Home > The First National Bank in Creston > Performance and Condition Ratios
The First National Bank in Creston, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2463% | 4,022 |
| Cost of funding earning assets | 1.8804% | 2,295 |
| Net interest margin | 2.3659% | 4,043 |
| Noninterest income to average assets | 1.4600% | 340 |
| Noninterest expense to average assets | 2.9753% | 1,119 |
| Loan and lease loss provision to assets | 0.0700% | 1,402 |
| Net operating income to assets | 0.4825% | 3,442 |
| Return on assets (ROA) | 0.4846% | 3,459 |
| Pretax return on assets | 0.6369% | 3,314 |
| Return on Equity (ROE) | 6.0500% | 3,202 |
| Retained earnings to average equity (ytd only) | 6.0546% | 2,091 |
| Net charge-offs to loans | 0.0185% | 1,485 |
| Credit loss provision to net charge-offs | 576.9231% | 476 |
| Earnings coverage of net charge-offs (x) | 60.5385% | 882 |
| Efficiency ratio | 77.2716% | 1,426 |
| Assets per employee ($millions) | 7.0269% | 2,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2656% | 1,921 |
| Loan loss allowance to noncurrent loans | 325.1613% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.2433% | 2,145 |
| Noncurrent loans to loans | 0.3892% | 1,960 |
| Net loans and leases to total assets | 61.2000% | 2,738 |
| Net loans and leases to deposits | 78.4074% | 2,200 |
| Net loans and leases to core deposits | 82.5935% | 2,532 |
| Total domestic deposits to total assets | 78.0600% | 3,794 |
| Equity capital to assets | 8.0389% | 3,344 |
| Core capital (leverage) ratio | 9.4143% | 3,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4673% | 1,712 |
| Memoranda: | ||
| Average total assets | $449,027,500 | 1,894 |
| Average earning assets | $420,975,000 | 1,877 |
| Average equity | $35,939,500 | 2,099 |
| Average total loans | $281,389,000 | 1,906 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1012% | 3,808 |
| Cost of funding earning assets | 1.4387% | 2,111 |
| Net interest margin | 2.6625% | 3,878 |
| Noninterest income to average assets | 1.4400% | 406 |
| Noninterest expense to average assets | 3.1146% | 938 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.5677% | 3,521 |
| Return on assets (ROA) | 0.5777% | 3,489 |
| Pretax return on assets | 0.7594% | 3,314 |
| Return on Equity (ROE) | 7.9600% | 3,031 |
| Retained earnings to average equity (ytd only) | 7.8220% | 1,597 |
| Net charge-offs to loans | 0.0156% | 2,080 |
| Credit loss provision to net charge-offs | 1,011.3636% | 404 |
| Earnings coverage of net charge-offs (x) | 82.5682% | 1,005 |
| Efficiency ratio | 75.8341% | 1,260 |
| Assets per employee ($millions) | 6.5931% | 2,347 |
| Cash dividends to net income (ytd only)* | 1.7843% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2204% | 2,177 |
| Loan loss allowance to noncurrent loans | 383.8317% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.2014% | 2,222 |
| Noncurrent loans to loans | 0.3179% | 2,046 |
| Net loans and leases to total assets | 62.5700% | 2,616 |
| Net loans and leases to deposits | 80.1711% | 2,089 |
| Net loans and leases to core deposits | 84.6370% | 2,412 |
| Total domestic deposits to total assets | 78.0500% | 3,720 |
| Equity capital to assets | 7.9687% | 3,442 |
| Core capital (leverage) ratio | 9.2268% | 3,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5042% | 2,064 |
| Memoranda: | ||
| Average total assets | $446,290,600 | 1,869 |
| Average earning assets | $416,754,000 | 1,848 |
| Average equity | $32,370,200 | 2,168 |
| Average total loans | $281,163,600 | 1,869 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0402% | 3,777 |
| Cost of funding earning assets | 1.3529% | 1,997 |
| Net interest margin | 2.6872% | 3,898 |
| Noninterest income to average assets | 1.4800% | 392 |
| Noninterest expense to average assets | 3.1423% | 882 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.5946% | 3,557 |
| Return on assets (ROA) | 0.6027% | 3,525 |
| Pretax return on assets | 0.7929% | 3,350 |
| Return on Equity (ROE) | 8.5200% | 3,052 |
| Retained earnings to average equity (ytd only) | 8.3259% | 1,858 |
| Net charge-offs to loans | 0.0100% | 2,027 |
| Credit loss provision to net charge-offs | 1,761.9048% | 271 |
| Earnings coverage of net charge-offs (x) | 135.3333% | 785 |
| Efficiency ratio | 75.3147% | 1,241 |
| Assets per employee ($millions) | 6.2997% | 2,495 |
| Cash dividends to net income (ytd only)* | 2.2829% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1930% | 2,396 |
| Loan loss allowance to noncurrent loans | 607.4733% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.1256% | 2,721 |
| Noncurrent loans to loans | 0.1964% | 2,570 |
| Net loans and leases to total assets | 63.2200% | 2,539 |
| Net loans and leases to deposits | 83.3873% | 1,793 |
| Net loans and leases to core deposits | 87.3834% | 2,101 |
| Total domestic deposits to total assets | 75.8100% | 4,029 |
| Equity capital to assets | 7.1523% | 3,541 |
| Core capital (leverage) ratio | 9.0591% | 3,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1826% | 2,206 |
| Memoranda: | ||
| Average total assets | $445,780,500 | 1,870 |
| Average earning assets | $416,475,250 | 1,849 |
| Average equity | $31,531,250 | 2,188 |
| Average total loans | $280,452,500 | 1,874 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9618% | 3,762 |
| Cost of funding earning assets | 1.2663% | 1,806 |
| Net interest margin | 2.6955% | 3,978 |
| Noninterest income to average assets | 1.4800% | 333 |
| Noninterest expense to average assets | 3.1553% | 838 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.5856% | 3,620 |
| Return on assets (ROA) | 0.5938% | 3,594 |
| Pretax return on assets | 0.7820% | 3,437 |
| Return on Equity (ROE) | 8.4300% | 3,134 |
| Retained earnings to average equity (ytd only) | 8.1331% | 1,919 |
| Net charge-offs to loans | 0.0151% | 1,634 |
| Credit loss provision to net charge-offs | 680.9524% | 532 |
| Earnings coverage of net charge-offs (x) | 89.0000% | 995 |
| Efficiency ratio | 75.5903% | 1,214 |
| Assets per employee ($millions) | 6.0627% | 2,661 |
| Cash dividends to net income (ytd only)* | 3.4796% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1396% | 2,754 |
| Loan loss allowance to noncurrent loans | 405.9873% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.1774% | 2,306 |
| Noncurrent loans to loans | 0.2807% | 2,139 |
| Net loans and leases to total assets | 62.4700% | 2,530 |
| Net loans and leases to deposits | 78.5097% | 2,090 |
| Net loans and leases to core deposits | 82.0840% | 2,330 |
| Total domestic deposits to total assets | 79.5700% | 3,638 |
| Equity capital to assets | 7.2764% | 3,652 |
| Core capital (leverage) ratio | 8.8866% | 3,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0675% | 2,272 |
| Memoranda: | ||
| Average total assets | $445,280,333 | 1,871 |
| Average earning assets | $416,027,333 | 1,853 |
| Average equity | $31,378,000 | 2,205 |
| Average total loans | $278,546,333 | 1,872 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8507% | 3,767 |
| Cost of funding earning assets | 1.1569% | 1,567 |
| Net interest margin | 2.6938% | 4,080 |
| Noninterest income to average assets | 1.4700% | 338 |
| Noninterest expense to average assets | 3.1409% | 877 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.5917% | 3,704 |
| Return on assets (ROA) | 0.6009% | 3,650 |
| Pretax return on assets | 0.7926% | 3,483 |
| Return on Equity (ROE) | 8.6700% | 3,140 |
| Retained earnings to average equity (ytd only) | 8.0736% | 2,199 |
| Net charge-offs to loans | 0.0518% | 846 |
| Credit loss provision to net charge-offs | 208.3333% | 810 |
| Earnings coverage of net charge-offs (x) | 26.3056% | 1,352 |
| Efficiency ratio | 75.3480% | 1,216 |
| Assets per employee ($millions) | 6.2723% | 2,528 |
| Cash dividends to net income (ytd only)* | 6.8554% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 2,984 |
| Loan loss allowance to noncurrent loans | 224.2775% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.3108% | 1,619 |
| Noncurrent loans to loans | 0.4968% | 1,476 |
| Net loans and leases to total assets | 61.8600% | 2,478 |
| Net loans and leases to deposits | 74.0770% | 2,290 |
| Net loans and leases to core deposits | 78.7768% | 2,334 |
| Total domestic deposits to total assets | 83.5100% | 3,193 |
| Equity capital to assets | 7.1879% | 3,738 |
| Core capital (leverage) ratio | 8.7060% | 3,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8233% | 2,460 |
| Memoranda: | ||
| Average total assets | $446,630,500 | 1,887 |
| Average earning assets | $416,961,000 | 1,873 |
| Average equity | $30,965,000 | 2,250 |
| Average total loans | $277,990,000 | 1,890 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2038% | 3,812 |
| Cost of funding earning assets | 0.3082% | 2,808 |
| Net interest margin | 2.8956% | 3,692 |
| Noninterest income to average assets | 1.5200% | 339 |
| Noninterest expense to average assets | 3.1682% | 758 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.7671% | 3,431 |
| Return on assets (ROA) | 0.7656% | 3,376 |
| Pretax return on assets | 1.0098% | 3,051 |
| Return on Equity (ROE) | 10.3400% | 2,700 |
| Retained earnings to average equity (ytd only) | 7.9913% | 1,833 |
| Net charge-offs to loans | -0.0008% | 3,338 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.5321% | 1,494 |
| Assets per employee ($millions) | 6.0531% | 2,716 |
| Cash dividends to net income (ytd only)* | 22.7314% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 2,268 |
| Loan loss allowance to noncurrent loans | 256.7221% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.2956% | 1,673 |
| Noncurrent loans to loans | 0.4773% | 1,506 |
| Net loans and leases to total assets | 61.1700% | 2,529 |
| Net loans and leases to deposits | 72.7481% | 2,348 |
| Net loans and leases to core deposits | 78.4446% | 2,245 |
| Total domestic deposits to total assets | 84.0800% | 3,189 |
| Equity capital to assets | 6.6796% | 3,827 |
| Core capital (leverage) ratio | 8.5612% | 4,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3309% | 2,636 |
| Memoranda: | ||
| Average total assets | $430,376,600 | 1,920 |
| Average earning assets | $403,333,800 | 1,906 |
| Average equity | $31,859,600 | 2,252 |
| Average total loans | $256,550,600 | 1,904 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0274% | 3,839 |
| Cost of funding earning assets | 0.1843% | 3,460 |
| Net interest margin | 2.8431% | 3,644 |
| Noninterest income to average assets | 1.5200% | 357 |
| Noninterest expense to average assets | 3.1753% | 711 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.7363% | 3,462 |
| Return on assets (ROA) | 0.7321% | 3,422 |
| Pretax return on assets | 0.9693% | 3,115 |
| Return on Equity (ROE) | 9.6400% | 2,831 |
| Retained earnings to average equity (ytd only) | 6.9500% | 2,377 |
| Net charge-offs to loans | -0.0011% | 3,185 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.3716% | 1,465 |
| Assets per employee ($millions) | 5.9450% | 2,815 |
| Cash dividends to net income (ytd only)* | 27.9179% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2562% | 2,234 |
| Loan loss allowance to noncurrent loans | 264.1087% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.2883% | 1,800 |
| Noncurrent loans to loans | 0.4756% | 1,608 |
| Net loans and leases to total assets | 59.8400% | 2,520 |
| Net loans and leases to deposits | 69.2034% | 2,438 |
| Net loans and leases to core deposits | 72.4386% | 2,454 |
| Total domestic deposits to total assets | 86.4700% | 2,934 |
| Equity capital to assets | 6.3677% | 3,808 |
| Core capital (leverage) ratio | 8.6863% | 3,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5657% | 2,634 |
| Memoranda: | ||
| Average total assets | $425,988,500 | 1,945 |
| Average earning assets | $400,024,000 | 1,927 |
| Average equity | $32,344,500 | 2,261 |
| Average total loans | $251,341,250 | 1,933 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8989% | 3,785 |
| Cost of funding earning assets | 0.1713% | 3,297 |
| Net interest margin | 2.7275% | 3,648 |
| Noninterest income to average assets | 1.5189% | 333 |
| Noninterest expense to average assets | 3.1862% | 643 |
| Loan and lease loss provision to assets | 0.0416% | 1,829 |
| Net operating income to assets | 0.6441% | 3,495 |
| Return on assets (ROA) | 0.6373% | 3,467 |
| Pretax return on assets | 0.8471% | 3,215 |
| Return on Equity (ROE) | 7.9553% | 3,027 |
| Retained earnings to average equity (ytd only) | 4.6942% | 2,818 |
| Net charge-offs to loans | -0.0016% | 3,091 |
| Credit loss provision to net charge-offs | -4,400.0000% | 3,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5343% | 1,451 |
| Assets per employee ($millions) | 5.7754% | 2,953 |
| Cash dividends to net income (ytd only)* | 40.9933% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3327% | 2,037 |
| Loan loss allowance to noncurrent loans | 478.5609% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.1663% | 2,541 |
| Noncurrent loans to loans | 0.2785% | 2,352 |
| Net loans and leases to total assets | 57.2314% | 2,612 |
| Net loans and leases to deposits | 65.1012% | 2,629 |
| Net loans and leases to core deposits | 67.4717% | 2,700 |
| Total domestic deposits to total assets | 87.9115% | 2,609 |
| Equity capital to assets | 7.2226% | 3,650 |
| Core capital (leverage) ratio | 8.4828% | 3,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2025% | 2,410 |
| Memoranda: | ||
| Average total assets | $423,322,333 | 1,968 |
| Average earning assets | $398,017,333 | 1,951 |
| Average equity | $33,914,333 | 2,232 |
| Average total loans | $247,451,667 | 1,953 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7334% | 3,880 |
| Cost of funding earning assets | 0.1710% | 3,205 |
| Net interest margin | 2.5623% | 3,748 |
| Noninterest income to average assets | 1.5088% | 352 |
| Noninterest expense to average assets | 3.0610% | 738 |
| Loan and lease loss provision to assets | 0.0415% | 1,609 |
| Net operating income to assets | 0.6140% | 3,353 |
| Return on assets (ROA) | 0.6073% | 3,351 |
| Pretax return on assets | 0.8138% | 3,068 |
| Return on Equity (ROE) | 7.2266% | 2,971 |
| Retained earnings to average equity (ytd only) | 3.6133% | 3,065 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3633% | 1,701 |
| Assets per employee ($millions) | 5.7840% | 3,022 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2989% | 2,367 |
| Loan loss allowance to noncurrent loans | 351.9168% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.2154% | 2,353 |
| Noncurrent loans to loans | 0.3691% | 2,164 |
| Net loans and leases to total assets | 57.0414% | 2,413 |
| Net loans and leases to deposits | 66.8127% | 2,263 |
| Net loans and leases to core deposits | 69.3342% | 2,348 |
| Total domestic deposits to total assets | 85.3750% | 3,450 |
| Equity capital to assets | 7.6505% | 3,830 |
| Core capital (leverage) ratio | 8.5092% | 3,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8024% | 2,678 |
| Memoranda: | ||
| Average total assets | $424,180,500 | 1,967 |
| Average earning assets | $399,948,000 | 1,955 |
| Average equity | $35,646,000 | 2,232 |
| Average total loans | $248,902,500 | 1,943 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5112% | 2,626 |
| Cost of funding earning assets | 0.2297% | 3,137 |
| Net interest margin | 3.2814% | 2,359 |
| Noninterest income to average assets | 1.4739% | 515 |
| Noninterest expense to average assets | 3.1695% | 758 |
| Loan and lease loss provision to assets | 0.0808% | 1,514 |
| Net operating income to assets | 0.9740% | 2,776 |
| Return on assets (ROA) | 0.9828% | 2,812 |
| Pretax return on assets | 1.3259% | 2,279 |
| Return on Equity (ROE) | 10.5386% | 2,336 |
| Retained earnings to average equity (ytd only) | 10.5386% | 798 |
| Net charge-offs to loans | 0.0511% | 1,302 |
| Credit loss provision to net charge-offs | 253.4884% | 1,160 |
| Earnings coverage of net charge-offs (x) | 43.7907% | 1,381 |
| Efficiency ratio | 66.1598% | 2,235 |
| Assets per employee ($millions) | 5.6804% | 3,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 2,530 |
| Loan loss allowance to noncurrent loans | 338.5684% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 2,431 |
| Noncurrent loans to loans | 0.3737% | 2,245 |
| Net loans and leases to total assets | 58.8271% | 2,292 |
| Net loans and leases to deposits | 70.3680% | 2,093 |
| Net loans and leases to core deposits | 73.1291% | 2,154 |
| Total domestic deposits to total assets | 83.5993% | 3,664 |
| Equity capital to assets | 9.1703% | 3,445 |
| Core capital (leverage) ratio | 8.6713% | 3,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7628% | 2,710 |
| Memoranda: | ||
| Average total assets | $404,767,400 | 1,971 |
| Average earning assets | $381,296,800 | 1,965 |
| Average equity | $37,747,000 | 2,168 |
| Average total loans | $252,580,600 | 1,914 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7415% | 2,171 |
| Cost of funding earning assets | 0.2459% | 3,157 |
| Net interest margin | 3.4957% | 1,871 |
| Noninterest income to average assets | 1.5356% | 528 |
| Noninterest expense to average assets | 3.1717% | 744 |
| Loan and lease loss provision to assets | 0.0948% | 1,259 |
| Net operating income to assets | 1.1582% | 2,332 |
| Return on assets (ROA) | 1.1671% | 2,353 |
| Pretax return on assets | 1.5715% | 1,790 |
| Return on Equity (ROE) | 12.4605% | 1,880 |
| Retained earnings to average equity (ytd only) | 12.4605% | 732 |
| Net charge-offs to loans | 0.0706% | 946 |
| Credit loss provision to net charge-offs | 212.6866% | 1,174 |
| Earnings coverage of net charge-offs (x) | 37.1343% | 1,415 |
| Efficiency ratio | 62.5896% | 2,597 |
| Assets per employee ($millions) | 5.6125% | 3,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 2,713 |
| Loan loss allowance to noncurrent loans | 320.8633% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 2,522 |
| Noncurrent loans to loans | 0.3906% | 2,394 |
| Net loans and leases to total assets | 60.8643% | 2,150 |
| Net loans and leases to deposits | 73.7604% | 1,885 |
| Net loans and leases to core deposits | 76.8917% | 1,969 |
| Total domestic deposits to total assets | 82.5162% | 3,820 |
| Equity capital to assets | 9.6823% | 3,210 |
| Core capital (leverage) ratio | 8.6272% | 3,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9065% | 2,742 |
| Memoranda: | ||
| Average total assets | $400,872,500 | 2,001 |
| Average earning assets | $377,410,250 | 1,999 |
| Average equity | $37,547,000 | 2,198 |
| Average total loans | $253,114,000 | 1,942 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7452% | 2,217 |
| Cost of funding earning assets | 0.2625% | 3,166 |
| Net interest margin | 3.4827% | 1,907 |
| Noninterest income to average assets | 1.5143% | 536 |
| Noninterest expense to average assets | 3.1196% | 815 |
| Loan and lease loss provision to assets | 0.1221% | 1,033 |
| Net operating income to assets | 1.1511% | 2,361 |
| Return on assets (ROA) | 1.1606% | 2,390 |
| Pretax return on assets | 1.5628% | 1,841 |
| Return on Equity (ROE) | 12.5335% | 1,876 |
| Retained earnings to average equity (ytd only) | 12.5335% | 808 |
| Net charge-offs to loans | 0.0519% | 1,100 |
| Credit loss provision to net charge-offs | 369.6970% | 801 |
| Earnings coverage of net charge-offs (x) | 50.6667% | 1,063 |
| Efficiency ratio | 61.9415% | 2,735 |
| Assets per employee ($millions) | 5.3558% | 3,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2363% | 2,746 |
| Loan loss allowance to noncurrent loans | 284.4625% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.2720% | 2,569 |
| Noncurrent loans to loans | 0.4346% | 2,370 |
| Net loans and leases to total assets | 61.8044% | 2,201 |
| Net loans and leases to deposits | 70.5162% | 2,359 |
| Net loans and leases to core deposits | 73.1926% | 2,500 |
| Total domestic deposits to total assets | 87.6457% | 2,019 |
| Equity capital to assets | 9.3377% | 3,475 |
| Core capital (leverage) ratio | 8.1635% | 4,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4779% | 2,553 |
| Memoranda: | ||
| Average total assets | $399,797,000 | 2,005 |
| Average earning assets | $376,322,333 | 1,992 |
| Average equity | $37,020,667 | 2,214 |
| Average total loans | $254,460,667 | 1,943 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0504% | 3,988 |
| Cost of funding earning assets | 0.2871% | 3,129 |
| Net interest margin | 2.7633% | 3,842 |
| Noninterest income to average assets | 1.4973% | 603 |
| Noninterest expense to average assets | 3.0764% | 868 |
| Loan and lease loss provision to assets | 0.0545% | 2,017 |
| Net operating income to assets | 0.7080% | 3,686 |
| Return on assets (ROA) | 0.7239% | 3,718 |
| Pretax return on assets | 0.9814% | 3,426 |
| Return on Equity (ROE) | 7.8517% | 3,373 |
| Retained earnings to average equity (ytd only) | 7.8517% | 2,297 |
| Net charge-offs to loans | 0.1180% | 600 |
| Credit loss provision to net charge-offs | 72.0000% | 1,239 |
| Earnings coverage of net charge-offs (x) | 13.4133% | 1,405 |
| Efficiency ratio | 71.4532% | 1,548 |
| Assets per employee ($millions) | 5.3959% | 3,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 3,347 |
| Loan loss allowance to noncurrent loans | 289.2157% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.2487% | 2,895 |
| Noncurrent loans to loans | 0.3866% | 2,704 |
| Net loans and leases to total assets | 63.6141% | 2,093 |
| Net loans and leases to deposits | 72.2511% | 2,287 |
| Net loans and leases to core deposits | 75.1210% | 2,420 |
| Total domestic deposits to total assets | 88.0459% | 1,826 |
| Equity capital to assets | 8.8772% | 3,811 |
| Core capital (leverage) ratio | 8.1065% | 4,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2094% | 2,888 |
| Memoranda: | ||
| Average total assets | $396,176,000 | 2,008 |
| Average earning assets | $372,016,000 | 1,993 |
| Average equity | $36,527,000 | 2,232 |
| Average total loans | $254,332,500 | 1,942 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8776% | 3,092 |
| Cost of funding earning assets | 0.5761% | 2,475 |
| Net interest margin | 3.3015% | 3,065 |
| Noninterest income to average assets | 1.7446% | 412 |
| Noninterest expense to average assets | 3.7722% | 472 |
| Loan and lease loss provision to assets | 0.0518% | 3,729 |
| Net operating income to assets | 0.7656% | 3,219 |
| Return on assets (ROA) | 0.7795% | 3,295 |
| Pretax return on assets | 1.0462% | 2,895 |
| Return on Equity (ROE) | 7.7495% | 2,906 |
| Retained earnings to average equity (ytd only) | 7.7495% | 1,130 |
| Net charge-offs to loans | 0.0014% | 3,371 |
| Credit loss provision to net charge-offs | 5,600.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 1,168.0000% | 93 |
| Efficiency ratio | 75.0222% | 1,331 |
| Assets per employee ($millions) | 4.8388% | 3,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2134% | 2,871 |
| Loan loss allowance to noncurrent loans | 307.2389% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.2621% | 2,992 |
| Noncurrent loans to loans | 0.3949% | 2,797 |
| Net loans and leases to total assets | 63.2731% | 2,458 |
| Net loans and leases to deposits | 73.0338% | 2,586 |
| Net loans and leases to core deposits | 77.1487% | 2,628 |
| Total domestic deposits to total assets | 86.6353% | 2,101 |
| Equity capital to assets | 9.5875% | 3,528 |
| Core capital (leverage) ratio | 8.1921% | 4,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5699% | 2,781 |
| Memoranda: | ||
| Average total assets | $324,320,800 | 2,167 |
| Average earning assets | $305,317,600 | 2,143 |
| Average equity | $32,621,400 | 2,351 |
| Average total loans | $213,015,600 | 2,148 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0745% | 2,745 |
| Cost of funding earning assets | 0.6608% | 2,263 |
| Net interest margin | 3.4137% | 2,878 |
| Noninterest income to average assets | 1.8414% | 358 |
| Noninterest expense to average assets | 3.8919% | 418 |
| Loan and lease loss provision to assets | 0.0487% | 3,745 |
| Net operating income to assets | 0.8543% | 2,892 |
| Return on assets (ROA) | 0.8710% | 2,944 |
| Pretax return on assets | 1.1365% | 2,618 |
| Return on Equity (ROE) | 8.5360% | 2,586 |
| Retained earnings to average equity (ytd only) | 8.5360% | 1,134 |
| Net charge-offs to loans | 0.0046% | 2,988 |
| Credit loss provision to net charge-offs | 1,614.2857% | 582 |
| Earnings coverage of net charge-offs (x) | 386.4286% | 297 |
| Efficiency ratio | 74.8489% | 1,320 |
| Assets per employee ($millions) | 4.6991% | 3,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 2,489 |
| Loan loss allowance to noncurrent loans | 591.8699% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.1547% | 3,643 |
| Noncurrent loans to loans | 0.2081% | 3,549 |
| Net loans and leases to total assets | 63.7214% | 2,802 |
| Net loans and leases to deposits | 73.4671% | 3,002 |
| Net loans and leases to core deposits | 77.7683% | 3,030 |
| Total domestic deposits to total assets | 86.7346% | 1,757 |
| Equity capital to assets | 9.8826% | 3,353 |
| Core capital (leverage) ratio | 8.1098% | 4,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9785% | 2,619 |
| Memoranda: | ||
| Average total assets | $309,834,250 | 2,221 |
| Average earning assets | $291,759,750 | 2,208 |
| Average equity | $31,614,250 | 2,395 |
| Average total loans | $205,058,750 | 2,197 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2109% | 2,728 |
| Cost of funding earning assets | 0.6979% | 2,393 |
| Net interest margin | 3.5129% | 2,744 |
| Noninterest income to average assets | 1.9317% | 306 |
| Noninterest expense to average assets | 4.0552% | 386 |
| Loan and lease loss provision to assets | 0.0392% | 3,787 |
| Net operating income to assets | 0.8820% | 2,766 |
| Return on assets (ROA) | 0.9081% | 2,779 |
| Pretax return on assets | 1.1851% | 2,409 |
| Return on Equity (ROE) | 8.7838% | 2,456 |
| Retained earnings to average equity (ytd only) | 8.7838% | 1,078 |
| Net charge-offs to loans | 0.0514% | 1,752 |
| Credit loss provision to net charge-offs | 114.0000% | 2,315 |
| Earnings coverage of net charge-offs (x) | 34.6600% | 1,343 |
| Efficiency ratio | 75.9827% | 1,267 |
| Assets per employee ($millions) | 4.7503% | 3,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2034% | 2,496 |
| Loan loss allowance to noncurrent loans | 457.3984% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.1981% | 3,547 |
| Noncurrent loans to loans | 0.2631% | 3,443 |
| Net loans and leases to total assets | 62.3275% | 3,092 |
| Net loans and leases to deposits | 72.1510% | 3,246 |
| Net loans and leases to core deposits | 76.3897% | 3,253 |
| Total domestic deposits to total assets | 86.3848% | 1,851 |
| Equity capital to assets | 9.6392% | 3,534 |
| Core capital (leverage) ratio | 8.3030% | 4,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6011% | 2,774 |
| Memoranda: | ||
| Average total assets | $290,934,667 | 2,308 |
| Average earning assets | $274,528,667 | 2,281 |
| Average equity | $30,078,000 | 2,457 |
| Average total loans | $194,587,667 | 2,258 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4396% | 2,479 |
| Cost of funding earning assets | 0.7486% | 2,677 |
| Net interest margin | 3.6910% | 2,354 |
| Noninterest income to average assets | 2.2680% | 228 |
| Noninterest expense to average assets | 4.2430% | 397 |
| Loan and lease loss provision to assets | 0.0239% | 3,501 |
| Net operating income to assets | 1.1378% | 1,729 |
| Return on assets (ROA) | 1.1882% | 1,673 |
| Pretax return on assets | 1.5593% | 1,157 |
| Return on Equity (ROE) | 10.9466% | 1,424 |
| Retained earnings to average equity (ytd only) | 10.9466% | 572 |
| Net charge-offs to loans | 0.1006% | 1,079 |
| Credit loss provision to net charge-offs | 34.0909% | 2,132 |
| Earnings coverage of net charge-offs (x) | 21.6818% | 1,382 |
| Efficiency ratio | 73.6318% | 1,867 |
| Assets per employee ($millions) | 3.9531% | 3,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6027% | 1,062 |
| Loan loss allowance to noncurrent loans | 427.2308% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.2913% | 3,285 |
| Noncurrent loans to loans | 0.3751% | 3,139 |
| Net loans and leases to total assets | 67.3897% | 2,634 |
| Net loans and leases to deposits | 76.2543% | 3,046 |
| Net loans and leases to core deposits | 80.8055% | 3,126 |
| Total domestic deposits to total assets | 88.3750% | 941 |
| Equity capital to assets | 11.0286% | 2,831 |
| Core capital (leverage) ratio | 10.7723% | 2,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8783% | 1,635 |
| Memoranda: | ||
| Average total assets | $251,142,000 | 2,487 |
| Average earning assets | $237,768,500 | 2,457 |
| Average equity | $27,259,500 | 2,627 |
| Average total loans | $175,007,000 | 2,414 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7665% | 2,141 |
| Cost of funding earning assets | 0.8868% | 2,250 |
| Net interest margin | 3.8797% | 2,243 |
| Noninterest income to average assets | 2.1111% | 240 |
| Noninterest expense to average assets | 4.0429% | 507 |
| Loan and lease loss provision to assets | 0.0244% | 3,531 |
| Net operating income to assets | 1.5522% | 937 |
| Return on assets (ROA) | 1.5681% | 959 |
| Pretax return on assets | 1.7262% | 1,119 |
| Return on Equity (ROE) | 15.1658% | 658 |
| Retained earnings to average equity (ytd only) | 6.4508% | 1,638 |
| Net charge-offs to loans | 0.1307% | 1,464 |
| Credit loss provision to net charge-offs | 25.9740% | 3,297 |
| Earnings coverage of net charge-offs (x) | 18.4589% | 2,060 |
| Efficiency ratio | 69.9951% | 2,173 |
| Assets per employee ($millions) | 3.8352% | 4,115 |
| Cash dividends to net income (ytd only)* | 57.4650% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5871% | 1,005 |
| Loan loss allowance to noncurrent loans | 1,700.0000% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0915% | 4,173 |
| Noncurrent loans to loans | 0.0934% | 4,150 |
| Net loans and leases to total assets | 69.7742% | 2,435 |
| Net loans and leases to deposits | 79.5691% | 2,824 |
| Net loans and leases to core deposits | 83.8352% | 2,962 |
| Total domestic deposits to total assets | 87.6901% | 1,280 |
| Equity capital to assets | 10.6773% | 3,276 |
| Core capital (leverage) ratio | 10.5906% | 2,864 |
| Tier 1 risk-based capital ratio | 14.2617% | 3,136 |
| Total risk-based capital ratio | 15.5149% | 3,054 |
| Memoranda: | ||
| Average total assets | $246,034,400 | 2,487 |
| Average earning assets | $232,412,000 | 2,457 |
| Average equity | $25,438,800 | 2,687 |
| Average total loans | $176,762,000 | 2,355 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8139% | 2,077 |
| Cost of funding earning assets | 0.9154% | 2,158 |
| Net interest margin | 3.8984% | 2,260 |
| Noninterest income to average assets | 2.1455% | 236 |
| Noninterest expense to average assets | 4.0034% | 531 |
| Loan and lease loss provision to assets | 0.0245% | 3,404 |
| Net operating income to assets | 1.7046% | 737 |
| Return on assets (ROA) | 1.7268% | 744 |
| Pretax return on assets | 1.8225% | 1,023 |
| Return on Equity (ROE) | 16.8411% | 495 |
| Retained earnings to average equity (ytd only) | 6.0291% | 2,361 |
| Net charge-offs to loans | 0.0211% | 2,691 |
| Credit loss provision to net charge-offs | 160.7143% | 1,551 |
| Earnings coverage of net charge-offs (x) | 119.7935% | 649 |
| Efficiency ratio | 68.7039% | 2,304 |
| Assets per employee ($millions) | 3.7475% | 4,219 |
| Cash dividends to net income (ytd only)* | 64.2003% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7284% | 771 |
| Loan loss allowance to noncurrent loans | 843.3803% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.2028% | 3,760 |
| Noncurrent loans to loans | 0.2049% | 3,809 |
| Net loans and leases to total assets | 69.8830% | 2,496 |
| Net loans and leases to deposits | 78.8951% | 3,018 |
| Net loans and leases to core deposits | 83.3234% | 3,150 |
| Total domestic deposits to total assets | 88.5771% | 791 |
| Equity capital to assets | 10.6815% | 3,395 |
| Core capital (leverage) ratio | 10.5469% | 3,064 |
| Tier 1 risk-based capital ratio | 14.4492% | 3,104 |
| Total risk-based capital ratio | 15.7042% | 3,018 |
| Memoranda: | ||
| Average total assets | $245,221,250 | 2,509 |
| Average earning assets | $231,575,750 | 2,484 |
| Average equity | $25,144,250 | 2,720 |
| Average total loans | $176,766,750 | 2,380 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8104% | 2,029 |
| Cost of funding earning assets | 0.9197% | 2,052 |
| Net interest margin | 3.8907% | 2,267 |
| Noninterest income to average assets | 2.1378% | 239 |
| Noninterest expense to average assets | 4.0225% | 522 |
| Loan and lease loss provision to assets | 0.0244% | 3,318 |
| Net operating income to assets | 1.6840% | 748 |
| Return on assets (ROA) | 1.6894% | 768 |
| Pretax return on assets | 1.7732% | 1,102 |
| Return on Equity (ROE) | 16.7065% | 497 |
| Retained earnings to average equity (ytd only) | 6.0597% | 2,253 |
| Net charge-offs to loans | 0.0056% | 2,951 |
| Credit loss provision to net charge-offs | 600.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 440.4000% | 171 |
| Efficiency ratio | 69.1812% | 2,354 |
| Assets per employee ($millions) | 3.9037% | 3,994 |
| Cash dividends to net income (ytd only)* | 63.7283% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6907% | 836 |
| Loan loss allowance to noncurrent loans | 713.0641% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.1712% | 3,908 |
| Noncurrent loans to loans | 0.2371% | 3,691 |
| Net loans and leases to total assets | 70.9761% | 2,391 |
| Net loans and leases to deposits | 79.6727% | 2,990 |
| Net loans and leases to core deposits | 84.6262% | 3,064 |
| Total domestic deposits to total assets | 89.0845% | 631 |
| Equity capital to assets | 10.4446% | 3,566 |
| Core capital (leverage) ratio | 10.2700% | 3,312 |
| Tier 1 risk-based capital ratio | 14.0755% | 3,279 |
| Total risk-based capital ratio | 15.3304% | 3,198 |
| Memoranda: | ||
| Average total assets | $245,765,000 | 2,521 |
| Average earning assets | $232,245,330 | 2,482 |
| Average equity | $24,852,670 | 2,738 |
| Average total loans | $177,948,330 | 2,364 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7986% | 1,906 |
| Cost of funding earning assets | 0.8997% | 2,007 |
| Net interest margin | 3.8989% | 2,192 |
| Noninterest income to average assets | 2.1035% | 232 |
| Noninterest expense to average assets | 3.9336% | 583 |
| Loan and lease loss provision to assets | 0.0244% | 3,111 |
| Net operating income to assets | 1.7377% | 679 |
| Return on assets (ROA) | 1.7470% | 684 |
| Pretax return on assets | 1.8382% | 890 |
| Return on Equity (ROE) | 17.5646% | 441 |
| Retained earnings to average equity (ytd only) | 6.1386% | 2,393 |
| Net charge-offs to loans | 0.0135% | 2,219 |
| Credit loss provision to net charge-offs | 250.0000% | 918 |
| Earnings coverage of net charge-offs (x) | 189.6667% | 409 |
| Efficiency ratio | 67.9797% | 2,644 |
| Assets per employee ($millions) | 3.9001% | 4,066 |
| Cash dividends to net income (ytd only)* | 65.0513% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6992% | 863 |
| Loan loss allowance to noncurrent loans | 1,539.1753% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0908% | 4,360 |
| Noncurrent loans to loans | 0.1104% | 4,238 |
| Net loans and leases to total assets | 70.3037% | 2,438 |
| Net loans and leases to deposits | 78.6914% | 2,983 |
| Net loans and leases to core deposits | 83.5490% | 3,061 |
| Total domestic deposits to total assets | 89.3410% | 713 |
| Equity capital to assets | 10.1230% | 3,701 |
| Core capital (leverage) ratio | 10.1707% | 3,422 |
| Tier 1 risk-based capital ratio | 13.9664% | 3,352 |
| Total risk-based capital ratio | 15.2216% | 3,267 |
| Memoranda: | ||
| Average total assets | $245,680,000 | 2,549 |
| Average earning assets | $232,067,500 | 2,508 |
| Average equity | $24,435,500 | 2,765 |
| Average total loans | $178,144,000 | 2,388 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5772% | 2,202 |
| Cost of funding earning assets | 0.7474% | 1,805 |
| Net interest margin | 3.8298% | 2,561 |
| Noninterest income to average assets | 1.9719% | 273 |
| Noninterest expense to average assets | 3.7860% | 696 |
| Loan and lease loss provision to assets | 0.0484% | 3,211 |
| Net operating income to assets | 1.6755% | 725 |
| Return on assets (ROA) | 1.6740% | 729 |
| Pretax return on assets | 1.7620% | 1,019 |
| Return on Equity (ROE) | 17.8614% | 406 |
| Retained earnings to average equity (ytd only) | 6.2539% | 2,056 |
| Net charge-offs to loans | -0.0205% | 4,706 |
| Credit loss provision to net charge-offs | -315.7895% | 4,548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6305% | 2,607 |
| Assets per employee ($millions) | 3.8993% | 4,035 |
| Cash dividends to net income (ytd only)* | 64.9867% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6488% | 929 |
| Loan loss allowance to noncurrent loans | 1,136.2595% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.1335% | 4,156 |
| Noncurrent loans to loans | 0.1451% | 4,092 |
| Net loans and leases to total assets | 72.2906% | 2,211 |
| Net loans and leases to deposits | 80.6328% | 2,886 |
| Net loans and leases to core deposits | 85.6784% | 2,939 |
| Total domestic deposits to total assets | 89.6541% | 594 |
| Equity capital to assets | 9.7691% | 3,886 |
| Core capital (leverage) ratio | 9.8433% | 3,757 |
| Tier 1 risk-based capital ratio | 13.4580% | 3,574 |
| Total risk-based capital ratio | 14.7128% | 3,474 |
| Memoranda: | ||
| Average total assets | $247,728,200 | 2,486 |
| Average earning assets | $234,553,000 | 2,453 |
| Average equity | $23,217,600 | 2,794 |
| Average total loans | $185,503,200 | 2,292 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4982% | 2,311 |
| Cost of funding earning assets | 0.7128% | 1,782 |
| Net interest margin | 3.7855% | 2,701 |
| Noninterest income to average assets | 1.9964% | 275 |
| Noninterest expense to average assets | 3.7628% | 696 |
| Loan and lease loss provision to assets | 0.0483% | 3,025 |
| Net operating income to assets | 1.6820% | 781 |
| Return on assets (ROA) | 1.6800% | 783 |
| Pretax return on assets | 1.7686% | 1,093 |
| Return on Equity (ROE) | 18.1151% | 417 |
| Retained earnings to average equity (ytd only) | 6.3414% | 2,460 |
| Net charge-offs to loans | -0.0307% | 4,763 |
| Credit loss provision to net charge-offs | -209.3023% | 4,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4108% | 2,642 |
| Assets per employee ($millions) | 3.9660% | 3,942 |
| Cash dividends to net income (ytd only)* | 64.9937% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5901% | 1,100 |
| Loan loss allowance to noncurrent loans | 1,157.6471% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.1174% | 4,388 |
| Noncurrent loans to loans | 0.1374% | 4,265 |
| Net loans and leases to total assets | 71.9786% | 2,332 |
| Net loans and leases to deposits | 83.7251% | 2,632 |
| Net loans and leases to core deposits | 89.0424% | 2,742 |
| Total domestic deposits to total assets | 85.9702% | 2,210 |
| Equity capital to assets | 9.1500% | 4,418 |
| Core capital (leverage) ratio | 9.6270% | 4,020 |
| Tier 1 risk-based capital ratio | 13.0670% | 3,864 |
| Total risk-based capital ratio | 14.3211% | 3,777 |
| Memoranda: | ||
| Average total assets | $248,247,000 | 2,499 |
| Average earning assets | $235,139,000 | 2,464 |
| Average equity | $23,022,500 | 2,826 |
| Average total loans | $186,738,750 | 2,288 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4289% | 2,326 |
| Cost of funding earning assets | 0.6717% | 1,800 |
| Net interest margin | 3.7571% | 2,724 |
| Noninterest income to average assets | 1.9952% | 277 |
| Noninterest expense to average assets | 3.7745% | 688 |
| Loan and lease loss provision to assets | 0.0487% | 2,942 |
| Net operating income to assets | 1.6452% | 808 |
| Return on assets (ROA) | 1.6421% | 826 |
| Pretax return on assets | 1.7282% | 1,144 |
| Return on Equity (ROE) | 17.6258% | 461 |
| Retained earnings to average equity (ytd only) | 6.1773% | 2,467 |
| Net charge-offs to loans | -0.0289% | 4,725 |
| Credit loss provision to net charge-offs | -222.2222% | 4,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9527% | 2,652 |
| Assets per employee ($millions) | 4.1274% | 3,684 |
| Cash dividends to net income (ytd only)* | 64.9530% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5799% | 1,161 |
| Loan loss allowance to noncurrent loans | 72,650.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0417% | 4,815 |
| Noncurrent loans to loans | 0.0022% | 4,967 |
| Net loans and leases to total assets | 71.9044% | 2,291 |
| Net loans and leases to deposits | 80.5289% | 2,894 |
| Net loans and leases to core deposits | 85.8688% | 2,934 |
| Total domestic deposits to total assets | 89.2902% | 822 |
| Equity capital to assets | 9.1691% | 4,412 |
| Core capital (leverage) ratio | 9.5257% | 4,088 |
| Tier 1 risk-based capital ratio | 13.0199% | 3,883 |
| Total risk-based capital ratio | 14.2738% | 3,797 |
| Memoranda: | ||
| Average total assets | $246,388,000 | 2,522 |
| Average earning assets | $233,422,330 | 2,487 |
| Average equity | $22,955,000 | 2,849 |
| Average total loans | $187,101,330 | 2,285 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3517% | 2,348 |
| Cost of funding earning assets | 0.6556% | 1,690 |
| Net interest margin | 3.6961% | 2,815 |
| Noninterest income to average assets | 1.9992% | 273 |
| Noninterest expense to average assets | 3.8080% | 669 |
| Loan and lease loss provision to assets | 0.0492% | 2,797 |
| Net operating income to assets | 1.5573% | 940 |
| Return on assets (ROA) | 1.5511% | 958 |
| Pretax return on assets | 1.6332% | 1,288 |
| Return on Equity (ROE) | 16.5138% | 553 |
| Retained earnings to average equity (ytd only) | 5.8017% | 2,811 |
| Net charge-offs to loans | -0.0191% | 4,535 |
| Credit loss provision to net charge-offs | -333.3333% | 3,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2744% | 2,622 |
| Assets per employee ($millions) | 3.9168% | 4,122 |
| Cash dividends to net income (ytd only)* | 64.8677% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5453% | 1,302 |
| Loan loss allowance to noncurrent loans | 9,219.3548% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0782% | 4,697 |
| Noncurrent loans to loans | 0.0168% | 4,919 |
| Net loans and leases to total assets | 73.7923% | 1,897 |
| Net loans and leases to deposits | 81.7586% | 2,615 |
| Net loans and leases to core deposits | 87.7684% | 2,649 |
| Total domestic deposits to total assets | 90.2564% | 559 |
| Equity capital to assets | 9.2760% | 4,289 |
| Core capital (leverage) ratio | 9.7398% | 3,810 |
| Tier 1 risk-based capital ratio | 12.8339% | 4,047 |
| Total risk-based capital ratio | 14.0876% | 3,930 |
| Memoranda: | ||
| Average total assets | $243,697,500 | 2,564 |
| Average earning assets | $230,623,500 | 2,527 |
| Average equity | $22,890,000 | 2,877 |
| Average total loans | $188,682,500 | 2,289 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3240% | 2,250 |
| Cost of funding earning assets | 0.5862% | 1,702 |
| Net interest margin | 3.7378% | 2,643 |
| Noninterest income to average assets | 2.0401% | 290 |
| Noninterest expense to average assets | 3.8416% | 662 |
| Loan and lease loss provision to assets | 0.1499% | 1,506 |
| Net operating income to assets | 1.5132% | 777 |
| Return on assets (ROA) | 1.5136% | 790 |
| Pretax return on assets | 1.5840% | 1,340 |
| Return on Equity (ROE) | 16.1560% | 462 |
| Retained earnings to average equity (ytd only) | 5.4950% | 1,815 |
| Net charge-offs to loans | -0.0243% | 5,008 |
| Credit loss provision to net charge-offs | -782.6087% | 5,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9055% | 2,718 |
| Assets per employee ($millions) | 3.9449% | 4,053 |
| Cash dividends to net income (ytd only)* | 65.9879% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4650% | 1,527 |
| Loan loss allowance to noncurrent loans | 3,480.2469% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0790% | 4,723 |
| Noncurrent loans to loans | 0.0421% | 4,810 |
| Net loans and leases to total assets | 78.7906% | 1,160 |
| Net loans and leases to deposits | 88.7907% | 1,923 |
| Net loans and leases to core deposits | 94.6264% | 2,141 |
| Total domestic deposits to total assets | 88.7375% | 1,124 |
| Equity capital to assets | 9.5126% | 4,226 |
| Core capital (leverage) ratio | 9.7166% | 3,790 |
| Tier 1 risk-based capital ratio | 12.3093% | 4,324 |
| Total risk-based capital ratio | 13.5626% | 4,231 |
| Memoranda: | ||
| Average total assets | $240,082,800 | 2,564 |
| Average earning assets | $227,058,200 | 2,528 |
| Average equity | $22,493,200 | 2,904 |
| Average total loans | $189,600,400 | 2,245 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2927% | 2,283 |
| Cost of funding earning assets | 0.5762% | 1,704 |
| Net interest margin | 3.7165% | 2,695 |
| Noninterest income to average assets | 2.0710% | 294 |
| Noninterest expense to average assets | 3.6241% | 839 |
| Loan and lease loss provision to assets | 0.1500% | 1,393 |
| Net operating income to assets | 1.7326% | 549 |
| Return on assets (ROA) | 1.7331% | 558 |
| Pretax return on assets | 1.8137% | 857 |
| Return on Equity (ROE) | 18.5702% | 297 |
| Retained earnings to average equity (ytd only) | 6.4957% | 1,961 |
| Net charge-offs to loans | -0.0268% | 4,963 |
| Credit loss provision to net charge-offs | -710.5263% | 4,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8633% | 3,390 |
| Assets per employee ($millions) | 3.8486% | 4,237 |
| Cash dividends to net income (ytd only)* | 65.0208% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4248% | 1,791 |
| Loan loss allowance to noncurrent loans | 5,335.2941% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 4,933 |
| Noncurrent loans to loans | 0.0267% | 5,004 |
| Net loans and leases to total assets | 78.8937% | 1,135 |
| Net loans and leases to deposits | 90.4356% | 1,755 |
| Net loans and leases to core deposits | 96.6341% | 2,009 |
| Total domestic deposits to total assets | 87.2374% | 1,760 |
| Equity capital to assets | 9.6655% | 4,279 |
| Core capital (leverage) ratio | 9.5220% | 4,137 |
| Tier 1 risk-based capital ratio | 12.3983% | 4,379 |
| Total risk-based capital ratio | 13.6508% | 4,287 |
| Memoranda: | ||
| Average total assets | $239,943,750 | 2,584 |
| Average earning assets | $227,016,750 | 2,548 |
| Average equity | $22,393,750 | 2,932 |
| Average total loans | $188,895,500 | 2,262 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1975% | 2,481 |
| Cost of funding earning assets | 0.5442% | 1,811 |
| Net interest margin | 3.6532% | 2,827 |
| Noninterest income to average assets | 2.1324% | 291 |
| Noninterest expense to average assets | 3.6449% | 827 |
| Loan and lease loss provision to assets | 0.1498% | 1,353 |
| Net operating income to assets | 1.7206% | 544 |
| Return on assets (ROA) | 1.7214% | 545 |
| Pretax return on assets | 1.8013% | 835 |
| Return on Equity (ROE) | 18.6643% | 286 |
| Retained earnings to average equity (ytd only) | 6.5221% | 1,832 |
| Net charge-offs to loans | -0.0329% | 5,000 |
| Credit loss provision to net charge-offs | -580.6452% | 4,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1450% | 3,482 |
| Assets per employee ($millions) | 3.7178% | 4,414 |
| Cash dividends to net income (ytd only)* | 65.0556% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3785% | 2,044 |
| Loan loss allowance to noncurrent loans | 3,123.8095% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 4,934 |
| Noncurrent loans to loans | 0.0441% | 4,973 |
| Net loans and leases to total assets | 77.6830% | 1,290 |
| Net loans and leases to deposits | 86.9459% | 2,111 |
| Net loans and leases to core deposits | 93.2623% | 2,218 |
| Total domestic deposits to total assets | 89.3463% | 787 |
| Equity capital to assets | 9.3961% | 4,517 |
| Core capital (leverage) ratio | 9.3941% | 4,236 |
| Tier 1 risk-based capital ratio | 12.2749% | 4,441 |
| Total risk-based capital ratio | 13.5270% | 4,328 |
| Memoranda: | ||
| Average total assets | $240,388,000 | 2,587 |
| Average earning assets | $227,852,330 | 2,549 |
| Average equity | $22,170,670 | 2,954 |
| Average total loans | $188,204,000 | 2,273 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0558% | 2,821 |
| Cost of funding earning assets | 0.5279% | 1,874 |
| Net interest margin | 3.5279% | 3,171 |
| Noninterest income to average assets | 1.8803% | 337 |
| Noninterest expense to average assets | 3.5953% | 900 |
| Loan and lease loss provision to assets | 0.1502% | 1,234 |
| Net operating income to assets | 1.4164% | 968 |
| Return on assets (ROA) | 1.4164% | 996 |
| Pretax return on assets | 1.4798% | 1,605 |
| Return on Equity (ROE) | 15.5047% | 592 |
| Retained earnings to average equity (ytd only) | 5.4239% | 2,652 |
| Net charge-offs to loans | -0.0299% | 4,931 |
| Credit loss provision to net charge-offs | -642.8571% | 4,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8059% | 3,078 |
| Assets per employee ($millions) | 3.6042% | 4,636 |
| Cash dividends to net income (ytd only)* | 65.0177% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3605% | 2,258 |
| Loan loss allowance to noncurrent loans | 2,621.8750% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 4,992 |
| Noncurrent loans to loans | 0.0519% | 4,984 |
| Net loans and leases to total assets | 76.7130% | 1,304 |
| Net loans and leases to deposits | 86.3883% | 1,993 |
| Net loans and leases to core deposits | 91.1395% | 2,247 |
| Total domestic deposits to total assets | 88.8002% | 1,255 |
| Equity capital to assets | 9.2993% | 4,515 |
| Core capital (leverage) ratio | 9.4639% | 4,157 |
| Tier 1 risk-based capital ratio | 12.3121% | 4,502 |
| Total risk-based capital ratio | 13.5638% | 4,406 |
| Memoranda: | ||
| Average total assets | $239,755,000 | 2,615 |
| Average earning assets | $227,327,500 | 2,578 |
| Average equity | $21,903,000 | 2,994 |
| Average total loans | $187,132,000 | 2,298 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1953% | 2,502 |
| Cost of funding earning assets | 0.5284% | 1,880 |
| Net interest margin | 3.6670% | 2,832 |
| Noninterest income to average assets | 1.8347% | 387 |
| Noninterest expense to average assets | 3.6205% | 982 |
| Loan and lease loss provision to assets | 0.1542% | 1,622 |
| Net operating income to assets | 1.4755% | 875 |
| Return on assets (ROA) | 1.4821% | 884 |
| Pretax return on assets | 1.5331% | 1,481 |
| Return on Equity (ROE) | 16.1564% | 493 |
| Retained earnings to average equity (ytd only) | 5.6454% | 1,923 |
| Net charge-offs to loans | 0.1342% | 1,900 |
| Credit loss provision to net charge-offs | 138.9961% | 1,966 |
| Earnings coverage of net charge-offs (x) | 15.1467% | 2,229 |
| Efficiency ratio | 68.2990% | 3,185 |
| Assets per employee ($millions) | 3.8354% | 4,241 |
| Cash dividends to net income (ytd only)* | 65.0578% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2749% | 2,677 |
| Loan loss allowance to noncurrent loans | 976.9231% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 4,910 |
| Noncurrent loans to loans | 0.1305% | 4,711 |
| Net loans and leases to total assets | 77.3287% | 1,310 |
| Net loans and leases to deposits | 86.5904% | 2,095 |
| Net loans and leases to core deposits | 91.5061% | 2,348 |
| Total domestic deposits to total assets | 89.3039% | 953 |
| Equity capital to assets | 8.9744% | 4,846 |
| Core capital (leverage) ratio | 9.4493% | 4,159 |
| Tier 1 risk-based capital ratio | 11.9688% | 4,752 |
| Total risk-based capital ratio | 13.2196% | 4,635 |
| Memoranda: | ||
| Average total assets | $233,449,400 | 2,629 |
| Average earning assets | $220,673,200 | 2,591 |
| Average equity | $21,415,600 | 3,030 |
| Average total loans | $193,020,600 | 2,174 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2438% | 2,364 |
| Cost of funding earning assets | 0.5347% | 1,837 |
| Net interest margin | 3.7091% | 2,685 |
| Noninterest income to average assets | 1.8069% | 404 |
| Noninterest expense to average assets | 3.6847% | 872 |
| Loan and lease loss provision to assets | 0.1556% | 1,494 |
| Net operating income to assets | 1.4235% | 1,021 |
| Return on assets (ROA) | 1.4330% | 1,050 |
| Pretax return on assets | 1.4814% | 1,771 |
| Return on Equity (ROE) | 15.5325% | 605 |
| Retained earnings to average equity (ytd only) | 5.4273% | 2,529 |
| Net charge-offs to loans | 0.0488% | 2,675 |
| Credit loss provision to net charge-offs | 380.2817% | 876 |
| Earnings coverage of net charge-offs (x) | 39.7765% | 1,252 |
| Efficiency ratio | 69.3676% | 2,988 |
| Assets per employee ($millions) | 3.5670% | 4,692 |
| Cash dividends to net income (ytd only)* | 65.0583% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3100% | 2,634 |
| Loan loss allowance to noncurrent loans | 1,307.8125% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.1051% | 5,011 |
| Noncurrent loans to loans | 0.1002% | 4,939 |
| Net loans and leases to total assets | 82.8656% | 524 |
| Net loans and leases to deposits | 95.6477% | 1,083 |
| Net loans and leases to core deposits | 102.8349% | 1,428 |
| Total domestic deposits to total assets | 86.6362% | 2,063 |
| Equity capital to assets | 9.5594% | 4,602 |
| Core capital (leverage) ratio | 9.4380% | 4,273 |
| Tier 1 risk-based capital ratio | 11.8527% | 4,886 |
| Total risk-based capital ratio | 13.1044% | 4,779 |
| Memoranda: | ||
| Average total assets | $231,404,000 | 2,657 |
| Average earning assets | $218,666,500 | 2,620 |
| Average equity | $21,348,250 | 3,059 |
| Average total loans | $193,960,000 | 2,171 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2334% | 2,391 |
| Cost of funding earning assets | 0.5317% | 1,861 |
| Net interest margin | 3.7018% | 2,691 |
| Noninterest income to average assets | 1.7854% | 405 |
| Noninterest expense to average assets | 3.6912% | 893 |
| Loan and lease loss provision to assets | 0.1549% | 1,476 |
| Net operating income to assets | 1.3918% | 1,071 |
| Return on assets (ROA) | 1.4059% | 1,108 |
| Pretax return on assets | 1.4524% | 1,832 |
| Return on Equity (ROE) | 15.4224% | 621 |
| Retained earnings to average equity (ytd only) | 5.3893% | 2,493 |
| Net charge-offs to loans | 0.0801% | 2,051 |
| Credit loss provision to net charge-offs | 230.7692% | 1,176 |
| Earnings coverage of net charge-offs (x) | 23.7308% | 1,579 |
| Efficiency ratio | 69.8583% | 3,000 |
| Assets per employee ($millions) | 3.5957% | 4,600 |
| Cash dividends to net income (ytd only)* | 65.0551% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2657% | 2,984 |
| Loan loss allowance to noncurrent loans | 2,806.9767% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0702% | 5,270 |
| Noncurrent loans to loans | 0.0451% | 5,278 |
| Net loans and leases to total assets | 83.1288% | 500 |
| Net loans and leases to deposits | 94.4734% | 1,242 |
| Net loans and leases to core deposits | 101.4279% | 1,513 |
| Total domestic deposits to total assets | 87.9918% | 1,439 |
| Equity capital to assets | 9.5339% | 4,733 |
| Core capital (leverage) ratio | 9.1829% | 4,621 |
| Tier 1 risk-based capital ratio | 11.6341% | 5,070 |
| Total risk-based capital ratio | 12.8858% | 4,968 |
| Memoranda: | ||
| Average total assets | $232,442,330 | 2,659 |
| Average earning assets | $219,679,670 | 2,620 |
| Average equity | $21,190,000 | 3,076 |
| Average total loans | $194,718,670 | 2,169 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1399% | 2,685 |
| Cost of funding earning assets | 0.5249% | 1,909 |
| Net interest margin | 3.6150% | 3,027 |
| Noninterest income to average assets | 1.7502% | 411 |
| Noninterest expense to average assets | 3.7145% | 879 |
| Loan and lease loss provision to assets | 0.1529% | 1,382 |
| Net operating income to assets | 1.2608% | 1,374 |
| Return on assets (ROA) | 1.2608% | 1,466 |
| Pretax return on assets | 1.2999% | 2,305 |
| Return on Equity (ROE) | 14.1424% | 806 |
| Retained earnings to average equity (ytd only) | 4.9365% | 2,983 |
| Net charge-offs to loans | 0.1708% | 1,116 |
| Credit loss provision to net charge-offs | 107.1429% | 1,539 |
| Earnings coverage of net charge-offs (x) | 10.1786% | 1,940 |
| Efficiency ratio | 71.8842% | 2,816 |
| Assets per employee ($millions) | 3.5015% | 4,805 |
| Cash dividends to net income (ytd only)* | 65.0943% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2124% | 3,405 |
| Loan loss allowance to noncurrent loans | 953.9095% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.1206% | 5,099 |
| Noncurrent loans to loans | 0.1271% | 4,964 |
| Net loans and leases to total assets | 80.5049% | 747 |
| Net loans and leases to deposits | 90.5976% | 1,504 |
| Net loans and leases to core deposits | 97.4144% | 1,678 |
| Total domestic deposits to total assets | 88.8599% | 1,176 |
| Equity capital to assets | 9.0178% | 5,158 |
| Core capital (leverage) ratio | 8.9711% | 4,894 |
| Tier 1 risk-based capital ratio | 11.3388% | 5,319 |
| Total risk-based capital ratio | 12.5888% | 5,222 |
| Memoranda: | ||
| Average total assets | $235,399,500 | 2,647 |
| Average earning assets | $222,517,000 | 2,602 |
| Average equity | $20,986,500 | 3,103 |
| Average total loans | $196,716,000 | 2,153 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1756% | 2,642 |
| Cost of funding earning assets | 0.4823% | 2,336 |
| Net interest margin | 3.6933% | 2,770 |
| Noninterest income to average assets | 2.0726% | 345 |
| Noninterest expense to average assets | 3.8550% | 808 |
| Loan and lease loss provision to assets | 0.1541% | 1,523 |
| Net operating income to assets | 1.4759% | 904 |
| Return on assets (ROA) | 1.4751% | 938 |
| Pretax return on assets | 1.5526% | 1,397 |
| Return on Equity (ROE) | 16.8810% | 465 |
| Retained earnings to average equity (ytd only) | 5.4605% | 2,099 |
| Net charge-offs to loans | 0.0285% | 3,651 |
| Credit loss provision to net charge-offs | 642.8571% | 524 |
| Earnings coverage of net charge-offs (x) | 71.2500% | 758 |
| Efficiency ratio | 69.3030% | 3,343 |
| Assets per employee ($millions) | 3.5253% | 4,793 |
| Cash dividends to net income (ytd only)* | 67.6530% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 3,793 |
| Loan loss allowance to noncurrent loans | 591.3043% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.1770% | 4,897 |
| Noncurrent loans to loans | 0.1933% | 4,711 |
| Net loans and leases to total assets | 84.6480% | 335 |
| Net loans and leases to deposits | 97.5645% | 854 |
| Net loans and leases to core deposits | 107.0699% | 1,041 |
| Total domestic deposits to total assets | 86.7611% | 2,249 |
| Equity capital to assets | 8.8134% | 5,294 |
| Core capital (leverage) ratio | 8.7564% | 5,157 |
| Tier 1 risk-based capital ratio | 10.5256% | 5,764 |
| Total risk-based capital ratio | 11.7026% | 5,717 |
| Memoranda: | ||
| Average total assets | $233,673,400 | 2,631 |
| Average earning assets | $220,807,800 | 2,577 |
| Average equity | $20,419,400 | 3,133 |
| Average total loans | $196,413,000 | 2,108 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1614% | 2,712 |
| Cost of funding earning assets | 0.4756% | 2,447 |
| Net interest margin | 3.6858% | 2,826 |
| Noninterest income to average assets | 1.9006% | 387 |
| Noninterest expense to average assets | 3.5844% | 1,146 |
| Loan and lease loss provision to assets | 0.1545% | 1,406 |
| Net operating income to assets | 1.5641% | 826 |
| Return on assets (ROA) | 1.5631% | 871 |
| Pretax return on assets | 1.6454% | 1,254 |
| Return on Equity (ROE) | 17.9261% | 402 |
| Retained earnings to average equity (ytd only) | 6.1416% | 2,156 |
| Net charge-offs to loans | 0.0431% | 3,032 |
| Credit loss provision to net charge-offs | 428.5714% | 718 |
| Earnings coverage of net charge-offs (x) | 49.9670% | 1,057 |
| Efficiency ratio | 66.5569% | 3,792 |
| Assets per employee ($millions) | 3.4825% | 4,821 |
| Cash dividends to net income (ytd only)* | 65.7394% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 4,227 |
| Loan loss allowance to noncurrent loans | 634.6705% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.1714% | 5,067 |
| Noncurrent loans to loans | 0.1733% | 4,960 |
| Net loans and leases to total assets | 84.1205% | 378 |
| Net loans and leases to deposits | 100.1060% | 657 |
| Net loans and leases to core deposits | 110.6326% | 841 |
| Total domestic deposits to total assets | 84.0314% | 3,410 |
| Equity capital to assets | 8.7725% | 5,512 |
| Core capital (leverage) ratio | 8.9518% | 5,053 |
| Tier 1 risk-based capital ratio | 10.5583% | 5,859 |
| Total risk-based capital ratio | 11.6993% | 5,836 |
| Memoranda: | ||
| Average total assets | $233,042,500 | 2,661 |
| Average earning assets | $220,336,250 | 2,602 |
| Average equity | $20,320,000 | 3,174 |
| Average total loans | $194,954,250 | 2,132 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1463% | 2,730 |
| Cost of funding earning assets | 0.4794% | 2,436 |
| Net interest margin | 3.6670% | 2,845 |
| Noninterest income to average assets | 2.1062% | 346 |
| Noninterest expense to average assets | 3.7724% | 904 |
| Loan and lease loss provision to assets | 0.1553% | 1,369 |
| Net operating income to assets | 1.5617% | 813 |
| Return on assets (ROA) | 1.5601% | 842 |
| Pretax return on assets | 1.6420% | 1,214 |
| Return on Equity (ROE) | 17.9288% | 415 |
| Retained earnings to average equity (ytd only) | 6.9811% | 1,710 |
| Net charge-offs to loans | -0.0041% | 4,699 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7095% | 3,717 |
| Assets per employee ($millions) | 3.3978% | 4,984 |
| Cash dividends to net income (ytd only)* | 61.0619% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 4,112 |
| Loan loss allowance to noncurrent loans | 562.0513% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.1858% | 5,123 |
| Noncurrent loans to loans | 0.2037% | 4,956 |
| Net loans and leases to total assets | 83.1397% | 457 |
| Net loans and leases to deposits | 95.9500% | 970 |
| Net loans and leases to core deposits | 103.4234% | 1,230 |
| Total domestic deposits to total assets | 86.6490% | 2,346 |
| Equity capital to assets | 8.9746% | 5,258 |
| Core capital (leverage) ratio | 8.7483% | 5,277 |
| Tier 1 risk-based capital ratio | 10.9150% | 5,756 |
| Total risk-based capital ratio | 12.0957% | 5,710 |
| Memoranda: | ||
| Average total assets | $231,787,000 | 2,689 |
| Average earning assets | $219,037,330 | 2,628 |
| Average equity | $20,168,670 | 3,202 |
| Average total loans | $192,799,000 | 2,157 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0864% | 2,890 |
| Cost of funding earning assets | 0.4749% | 2,505 |
| Net interest margin | 3.6115% | 2,957 |
| Noninterest income to average assets | 2.0372% | 362 |
| Noninterest expense to average assets | 3.7117% | 998 |
| Loan and lease loss provision to assets | 0.1539% | 1,323 |
| Net operating income to assets | 1.5122% | 826 |
| Return on assets (ROA) | 1.5155% | 869 |
| Pretax return on assets | 1.5959% | 1,280 |
| Return on Equity (ROE) | 17.6868% | 419 |
| Retained earnings to average equity (ytd only) | 9.4623% | 1,051 |
| Net charge-offs to loans | -0.0041% | 4,452 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0038% | 3,825 |
| Assets per employee ($millions) | 3.4620% | 4,967 |
| Cash dividends to net income (ytd only)* | 46.5011% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0955% | 4,543 |
| Loan loss allowance to noncurrent loans | 586.5922% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 5,209 |
| Noncurrent loans to loans | 0.1868% | 5,111 |
| Net loans and leases to total assets | 81.7414% | 487 |
| Net loans and leases to deposits | 92.2376% | 1,159 |
| Net loans and leases to core deposits | 99.5072% | 1,353 |
| Total domestic deposits to total assets | 88.6204% | 1,487 |
| Equity capital to assets | 8.7665% | 5,534 |
| Core capital (leverage) ratio | 8.6394% | 5,386 |
| Tier 1 risk-based capital ratio | 10.6585% | 5,954 |
| Total risk-based capital ratio | 11.7758% | 5,945 |
| Memoranda: | ||
| Average total assets | $233,854,000 | 2,689 |
| Average earning assets | $221,514,000 | 2,628 |
| Average equity | $20,037,500 | 3,234 |
| Average total loans | $193,467,500 | 2,142 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1804% | 3,010 |
| Cost of funding earning assets | 0.4895% | 2,778 |
| Net interest margin | 3.6909% | 3,041 |
| Noninterest income to average assets | 2.0517% | 325 |
| Noninterest expense to average assets | 3.7714% | 1,034 |
| Loan and lease loss provision to assets | 0.4193% | 414 |
| Net operating income to assets | 1.2855% | 1,336 |
| Return on assets (ROA) | 1.2860% | 1,386 |
| Pretax return on assets | 1.3397% | 2,109 |
| Return on Equity (ROE) | 14.9918% | 781 |
| Retained earnings to average equity (ytd only) | 1.1458% | 5,263 |
| Net charge-offs to loans | 0.4787% | 873 |
| Credit loss provision to net charge-offs | 107.9865% | 2,213 |
| Earnings coverage of net charge-offs (x) | 4.5287% | 3,628 |
| Efficiency ratio | 68.1991% | 3,866 |
| Assets per employee ($millions) | 3.5721% | 4,769 |
| Cash dividends to net income (ytd only)* | 92.3573% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0285% | 4,909 |
| Loan loss allowance to noncurrent loans | 510.9415% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.1964% | 5,241 |
| Noncurrent loans to loans | 0.2013% | 5,099 |
| Net loans and leases to total assets | 81.9602% | 524 |
| Net loans and leases to deposits | 95.5165% | 942 |
| Net loans and leases to core deposits | 105.1307% | 1,069 |
| Total domestic deposits to total assets | 85.8074% | 2,944 |
| Equity capital to assets | 8.3735% | 5,847 |
| Core capital (leverage) ratio | 8.3476% | 5,730 |
| Tier 1 risk-based capital ratio | 10.4564% | 6,121 |
| Total risk-based capital ratio | 11.5298% | 6,132 |
| Memoranda: | ||
| Average total assets | $228,935,800 | 2,712 |
| Average earning assets | $215,747,000 | 2,655 |
| Average equity | $19,637,400 | 3,197 |
| Average total loans | $185,701,000 | 2,165 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1591% | 3,131 |
| Cost of funding earning assets | 0.4834% | 2,921 |
| Net interest margin | 3.6756% | 3,127 |
| Noninterest income to average assets | 2.0566% | 330 |
| Noninterest expense to average assets | 3.7183% | 1,092 |
| Loan and lease loss provision to assets | 0.4225% | 387 |
| Net operating income to assets | 1.3220% | 1,309 |
| Return on assets (ROA) | 1.3226% | 1,366 |
| Pretax return on assets | 1.3783% | 2,089 |
| Return on Equity (ROE) | 15.3240% | 770 |
| Retained earnings to average equity (ytd only) | -0.1496% | 5,822 |
| Net charge-offs to loans | 0.4960% | 784 |
| Credit loss provision to net charge-offs | 105.5718% | 2,108 |
| Earnings coverage of net charge-offs (x) | 4.4985% | 3,443 |
| Efficiency ratio | 67.3791% | 3,967 |
| Assets per employee ($millions) | 3.6641% | 4,547 |
| Cash dividends to net income (ytd only)* | 100.9760% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 5,062 |
| Loan loss allowance to noncurrent loans | 485.2580% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.1876% | 5,463 |
| Noncurrent loans to loans | 0.2128% | 5,266 |
| Net loans and leases to total assets | 80.7126% | 639 |
| Net loans and leases to deposits | 94.7939% | 974 |
| Net loans and leases to core deposits | 104.0218% | 1,103 |
| Total domestic deposits to total assets | 85.1453% | 3,282 |
| Equity capital to assets | 8.3201% | 5,927 |
| Core capital (leverage) ratio | 8.4090% | 5,749 |
| Tier 1 risk-based capital ratio | 10.4142% | 6,232 |
| Total risk-based capital ratio | 11.4791% | 6,254 |
| Memoranda: | ||
| Average total assets | $227,230,500 | 2,740 |
| Average earning assets | $214,016,000 | 2,685 |
| Average equity | $19,611,500 | 3,211 |
| Average total loans | $183,317,500 | 2,201 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1347% | 3,211 |
| Cost of funding earning assets | 0.4833% | 2,997 |
| Net interest margin | 3.6515% | 3,138 |
| Noninterest income to average assets | 2.0658% | 328 |
| Noninterest expense to average assets | 3.7552% | 1,034 |
| Loan and lease loss provision to assets | 0.1157% | 2,107 |
| Net operating income to assets | 1.5614% | 776 |
| Return on assets (ROA) | 1.5622% | 808 |
| Pretax return on assets | 1.6307% | 1,178 |
| Return on Equity (ROE) | 17.8773% | 469 |
| Retained earnings to average equity (ytd only) | 0.9570% | 5,373 |
| Net charge-offs to loans | 0.2612% | 1,503 |
| Credit loss provision to net charge-offs | 55.0847% | 2,714 |
| Earnings coverage of net charge-offs (x) | 8.3136% | 2,512 |
| Efficiency ratio | 68.2678% | 3,955 |
| Assets per employee ($millions) | 3.4851% | 4,881 |
| Cash dividends to net income (ytd only)* | 94.6469% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0089% | 5,304 |
| Loan loss allowance to noncurrent loans | 481.8421% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 5,640 |
| Noncurrent loans to loans | 0.2094% | 5,391 |
| Net loans and leases to total assets | 79.3065% | 766 |
| Net loans and leases to deposits | 91.3414% | 1,233 |
| Net loans and leases to core deposits | 98.8740% | 1,379 |
| Total domestic deposits to total assets | 86.8243% | 2,562 |
| Equity capital to assets | 8.6947% | 5,618 |
| Core capital (leverage) ratio | 8.6076% | 5,524 |
| Tier 1 risk-based capital ratio | 10.7985% | 6,130 |
| Total risk-based capital ratio | 11.8162% | 6,167 |
| Memoranda: | ||
| Average total assets | $224,805,670 | 2,771 |
| Average earning assets | $211,476,000 | 2,724 |
| Average equity | $19,645,000 | 3,213 |
| Average total loans | $180,673,330 | 2,224 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1065% | 3,254 |
| Cost of funding earning assets | 0.4894% | 3,015 |
| Net interest margin | 3.6171% | 3,186 |
| Noninterest income to average assets | 2.0255% | 332 |
| Noninterest expense to average assets | 3.7902% | 1,000 |
| Loan and lease loss provision to assets | 0.1072% | 2,139 |
| Net operating income to assets | 1.4718% | 861 |
| Return on assets (ROA) | 1.4718% | 889 |
| Pretax return on assets | 1.5343% | 1,329 |
| Return on Equity (ROE) | 16.7996% | 554 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,544 |
| Net charge-offs to loans | -0.0089% | 5,008 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7797% | 3,873 |
| Assets per employee ($millions) | 3.5028% | 4,915 |
| Cash dividends to net income (ytd only)* | 100.0000% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1303% | 4,982 |
| Loan loss allowance to noncurrent loans | 157.3113% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.5587% | 4,475 |
| Noncurrent loans to loans | 0.7185% | 4,070 |
| Net loans and leases to total assets | 76.8729% | 898 |
| Net loans and leases to deposits | 86.1905% | 1,582 |
| Net loans and leases to core deposits | 93.0485% | 1,636 |
| Total domestic deposits to total assets | 89.1895% | 1,539 |
| Equity capital to assets | 8.6036% | 5,543 |
| Core capital (leverage) ratio | 8.5579% | 5,573 |
| Tier 1 risk-based capital ratio | 10.9057% | 6,189 |
| Total risk-based capital ratio | 12.0343% | 6,207 |
| Memoranda: | ||
| Average total assets | $223,943,500 | 2,789 |
| Average earning assets | $210,887,500 | 2,741 |
| Average equity | $19,619,500 | 3,213 |
| Average total loans | $180,268,000 | 2,231 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3350% | 2,823 |
| Cost of funding earning assets | 0.5240% | 3,360 |
| Net interest margin | 3.8110% | 2,614 |
| Noninterest income to average assets | 2.1297% | 358 |
| Noninterest expense to average assets | 3.8867% | 1,008 |
| Loan and lease loss provision to assets | 0.0443% | 4,239 |
| Net operating income to assets | 1.6776% | 603 |
| Return on assets (ROA) | 1.6776% | 616 |
| Pretax return on assets | 1.7657% | 824 |
| Return on Equity (ROE) | 18.3181% | 384 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,851 |
| Net charge-offs to loans | 0.2499% | 2,471 |
| Credit loss provision to net charge-offs | 22.1709% | 4,409 |
| Earnings coverage of net charge-offs (x) | 9.0600% | 2,562 |
| Efficiency ratio | 68.2271% | 4,160 |
| Assets per employee ($millions) | 3.3364% | 5,213 |
| Cash dividends to net income (ytd only)* | 100.0000% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0555% | 5,320 |
| Loan loss allowance to noncurrent loans | 148.7711% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.5913% | 4,465 |
| Noncurrent loans to loans | 0.7095% | 4,191 |
| Net loans and leases to total assets | 82.4561% | 370 |
| Net loans and leases to deposits | 94.8572% | 812 |
| Net loans and leases to core deposits | 103.9259% | 917 |
| Total domestic deposits to total assets | 86.9265% | 2,764 |
| Equity capital to assets | 8.9236% | 5,127 |
| Core capital (leverage) ratio | 8.7920% | 5,294 |
| Tier 1 risk-based capital ratio | 10.6355% | 6,318 |
| Total risk-based capital ratio | 11.7010% | 6,336 |
| Memoranda: | ||
| Average total assets | $216,739,200 | 2,843 |
| Average earning assets | $202,861,800 | 2,799 |
| Average equity | $19,849,200 | 3,165 |
| Average total loans | $173,254,000 | 2,267 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3155% | 2,924 |
| Cost of funding earning assets | 0.5234% | 3,530 |
| Net interest margin | 3.7921% | 2,665 |
| Noninterest income to average assets | 2.1475% | 373 |
| Noninterest expense to average assets | 3.7706% | 1,120 |
| Loan and lease loss provision to assets | 0.0445% | 4,128 |
| Net operating income to assets | 1.7825% | 540 |
| Return on assets (ROA) | 1.7825% | 568 |
| Pretax return on assets | 1.8764% | 750 |
| Return on Equity (ROE) | 19.3372% | 348 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,931 |
| Net charge-offs to loans | 0.0156% | 4,821 |
| Credit loss provision to net charge-offs | 360.0000% | 729 |
| Earnings coverage of net charge-offs (x) | 155.4766% | 359 |
| Efficiency ratio | 66.2507% | 4,438 |
| Assets per employee ($millions) | 3.2809% | 5,323 |
| Cash dividends to net income (ytd only)* | 100.0000% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3099% | 4,333 |
| Loan loss allowance to noncurrent loans | 426.7890% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.5582% | 4,780 |
| Noncurrent loans to loans | 0.3069% | 5,459 |
| Net loans and leases to total assets | 79.7232% | 580 |
| Net loans and leases to deposits | 93.4536% | 866 |
| Net loans and leases to core deposits | 102.4309% | 963 |
| Total domestic deposits to total assets | 85.3078% | 3,581 |
| Equity capital to assets | 8.9711% | 5,222 |
| Core capital (leverage) ratio | 8.9272% | 5,229 |
| Tier 1 risk-based capital ratio | 10.9054% | 6,319 |
| Total risk-based capital ratio | 12.1564% | 6,285 |
| Memoranda: | ||
| Average total assets | $215,873,500 | 2,876 |
| Average earning assets | $201,748,500 | 2,828 |
| Average equity | $19,899,000 | 3,196 |
| Average total loans | $170,690,750 | 2,305 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2869% | 3,006 |
| Cost of funding earning assets | 0.5279% | 3,629 |
| Net interest margin | 3.7590% | 2,724 |
| Noninterest income to average assets | 2.1393% | 405 |
| Noninterest expense to average assets | 3.7603% | 1,155 |
| Loan and lease loss provision to assets | 0.0447% | 4,071 |
| Net operating income to assets | 1.7599% | 561 |
| Return on assets (ROA) | 1.7599% | 603 |
| Pretax return on assets | 1.8522% | 820 |
| Return on Equity (ROE) | 18.9191% | 391 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,846 |
| Net charge-offs to loans | 0.0202% | 4,440 |
| Credit loss provision to net charge-offs | 282.3529% | 909 |
| Earnings coverage of net charge-offs (x) | 119.7059% | 402 |
| Efficiency ratio | 66.4689% | 4,459 |
| Assets per employee ($millions) | 3.1884% | 5,506 |
| Cash dividends to net income (ytd only)* | 100.0000% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3214% | 4,394 |
| Loan loss allowance to noncurrent loans | 588.0102% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.4954% | 5,023 |
| Noncurrent loans to loans | 0.2247% | 5,742 |
| Net loans and leases to total assets | 79.3919% | 594 |
| Net loans and leases to deposits | 93.1146% | 871 |
| Net loans and leases to core deposits | 98.6610% | 1,161 |
| Total domestic deposits to total assets | 85.2625% | 3,759 |
| Equity capital to assets | 9.0965% | 5,106 |
| Core capital (leverage) ratio | 9.0820% | 4,856 |
| Tier 1 risk-based capital ratio | 11.0945% | 6,295 |
| Total risk-based capital ratio | 12.3454% | 6,270 |
| Memoranda: | ||
| Average total assets | $214,558,670 | 2,909 |
| Average earning assets | $200,795,670 | 2,863 |
| Average equity | $19,958,670 | 3,211 |
| Average total loans | $168,397,000 | 2,325 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2413% | 3,143 |
| Cost of funding earning assets | 0.5297% | 3,782 |
| Net interest margin | 3.7116% | 2,807 |
| Noninterest income to average assets | 2.1365% | 395 |
| Noninterest expense to average assets | 3.7970% | 1,116 |
| Loan and lease loss provision to assets | 0.0450% | 3,857 |
| Net operating income to assets | 1.6736% | 622 |
| Return on assets (ROA) | 1.6736% | 685 |
| Pretax return on assets | 1.7617% | 948 |
| Return on Equity (ROE) | 17.7915% | 449 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,764 |
| Net charge-offs to loans | 0.0556% | 3,270 |
| Credit loss provision to net charge-offs | 104.3478% | 1,766 |
| Earnings coverage of net charge-offs (x) | 41.9130% | 758 |
| Efficiency ratio | 67.7592% | 4,357 |
| Assets per employee ($millions) | 3.0959% | 5,835 |
| Cash dividends to net income (ytd only)* | 100.0000% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4060% | 4,201 |
| Loan loss allowance to noncurrent loans | 570.1754% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.5135% | 5,098 |
| Noncurrent loans to loans | 0.2466% | 5,795 |
| Net loans and leases to total assets | 75.7831% | 866 |
| Net loans and leases to deposits | 86.0451% | 1,346 |
| Net loans and leases to core deposits | 89.7294% | 1,725 |
| Total domestic deposits to total assets | 88.0737% | 2,262 |
| Equity capital to assets | 9.5218% | 4,820 |
| Core capital (leverage) ratio | 9.2192% | 4,535 |
| Tier 1 risk-based capital ratio | 11.7037% | 6,082 |
| Total risk-based capital ratio | 12.9554% | 6,058 |
| Memoranda: | ||
| Average total assets | $213,434,000 | 2,945 |
| Average earning assets | $199,373,500 | 2,909 |
| Average equity | $20,077,000 | 3,239 |
| Average total loans | $165,379,000 | 2,374 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5961% | 3,018 |
| Cost of funding earning assets | 0.6641% | 3,794 |
| Net interest margin | 3.9320% | 2,688 |
| Noninterest income to average assets | 2.0498% | 420 |
| Noninterest expense to average assets | 3.7633% | 1,311 |
| Loan and lease loss provision to assets | 0.1431% | 3,817 |
| Net operating income to assets | 1.7311% | 581 |
| Return on assets (ROA) | 1.7311% | 649 |
| Pretax return on assets | 1.8122% | 895 |
| Return on Equity (ROE) | 18.3442% | 415 |
| Retained earnings to average equity (ytd only) | 4.5848% | 2,998 |
| Net charge-offs to loans | 0.0163% | 5,684 |
| Credit loss provision to net charge-offs | 1,153.8462% | 223 |
| Earnings coverage of net charge-offs (x) | 157.6538% | 267 |
| Efficiency ratio | 65.8075% | 4,540 |
| Assets per employee ($millions) | 3.3805% | 5,263 |
| Cash dividends to net income (ytd only)* | 75.0069% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3460% | 4,425 |
| Loan loss allowance to noncurrent loans | 481.7797% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.5334% | 5,144 |
| Noncurrent loans to loans | 0.2794% | 5,784 |
| Net loans and leases to total assets | 77.0381% | 784 |
| Net loans and leases to deposits | 89.0746% | 1,154 |
| Net loans and leases to core deposits | 94.2454% | 1,447 |
| Total domestic deposits to total assets | 86.4872% | 3,105 |
| Equity capital to assets | 9.2947% | 5,161 |
| Core capital (leverage) ratio | 9.1893% | 4,599 |
| Tier 1 risk-based capital ratio | 10.9068% | 6,384 |
| Total risk-based capital ratio | 12.1568% | 6,352 |
| Memoranda: | ||
| Average total assets | $209,632,400 | 2,928 |
| Average earning assets | $195,599,800 | 2,888 |
| Average equity | $19,782,800 | 3,221 |
| Average total loans | $159,309,400 | 2,444 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6201% | 3,133 |
| Cost of funding earning assets | 0.6859% | 3,894 |
| Net interest margin | 3.9342% | 2,782 |
| Noninterest income to average assets | 2.0023% | 421 |
| Noninterest expense to average assets | 3.6604% | 1,433 |
| Loan and lease loss provision to assets | 0.1443% | 3,731 |
| Net operating income to assets | 1.7779% | 599 |
| Return on assets (ROA) | 1.7779% | 664 |
| Pretax return on assets | 1.8715% | 920 |
| Return on Equity (ROE) | 18.7665% | 418 |
| Retained earnings to average equity (ytd only) | 4.6900% | 3,598 |
| Net charge-offs to loans | 0.0025% | 5,734 |
| Credit loss provision to net charge-offs | 7,500.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 1,047.9750% | 39 |
| Efficiency ratio | 64.4866% | 4,714 |
| Assets per employee ($millions) | 3.2058% | 5,623 |
| Cash dividends to net income (ytd only)* | 75.0089% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 4,396 |
| Loan loss allowance to noncurrent loans | 107.3949% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 1.3423% | 3,612 |
| Noncurrent loans to loans | 1.2990% | 3,866 |
| Net loans and leases to total assets | 75.3722% | 1,067 |
| Net loans and leases to deposits | 87.9393% | 1,361 |
| Net loans and leases to core deposits | 91.6660% | 1,813 |
| Total domestic deposits to total assets | 85.7093% | 3,408 |
| Equity capital to assets | 9.6106% | 5,041 |
| Core capital (leverage) ratio | 9.2089% | 4,746 |
| Tier 1 risk-based capital ratio | 11.8818% | 6,006 |
| Total risk-based capital ratio | 13.1333% | 5,988 |
| Memoranda: | ||
| Average total assets | $207,953,000 | 2,982 |
| Average earning assets | $194,191,000 | 2,942 |
| Average equity | $19,701,250 | 3,267 |
| Average total loans | $156,900,250 | 2,503 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6421% | 3,171 |
| Cost of funding earning assets | 0.7112% | 3,929 |
| Net interest margin | 3.9309% | 2,792 |
| Noninterest income to average assets | 2.0230% | 397 |
| Noninterest expense to average assets | 3.6850% | 1,407 |
| Loan and lease loss provision to assets | 0.1444% | 3,714 |
| Net operating income to assets | 1.7756% | 590 |
| Return on assets (ROA) | 1.7756% | 661 |
| Pretax return on assets | 1.8690% | 902 |
| Return on Equity (ROE) | 18.8333% | 428 |
| Retained earnings to average equity (ytd only) | 4.7058% | 3,479 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6681% | 4,773 |
| Assets per employee ($millions) | 3.1417% | 5,769 |
| Cash dividends to net income (ytd only)* | 75.0136% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3413% | 4,700 |
| Loan loss allowance to noncurrent loans | 279.5839% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.7216% | 4,991 |
| Noncurrent loans to loans | 0.4797% | 5,567 |
| Net loans and leases to total assets | 75.1315% | 1,085 |
| Net loans and leases to deposits | 86.4121% | 1,547 |
| Net loans and leases to core deposits | 89.9729% | 1,989 |
| Total domestic deposits to total assets | 86.9455% | 2,805 |
| Equity capital to assets | 9.4097% | 5,179 |
| Core capital (leverage) ratio | 9.0233% | 4,879 |
| Tier 1 risk-based capital ratio | 11.6661% | 6,129 |
| Total risk-based capital ratio | 12.9173% | 6,108 |
| Memoranda: | ||
| Average total assets | $207,812,670 | 2,998 |
| Average earning assets | $194,308,000 | 2,947 |
| Average equity | $19,593,000 | 3,273 |
| Average total loans | $156,107,670 | 2,520 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6748% | 3,152 |
| Cost of funding earning assets | 0.7281% | 4,044 |
| Net interest margin | 3.9467% | 2,734 |
| Noninterest income to average assets | 2.0264% | 401 |
| Noninterest expense to average assets | 3.7642% | 1,266 |
| Loan and lease loss provision to assets | 0.1453% | 3,544 |
| Net operating income to assets | 1.7223% | 692 |
| Return on assets (ROA) | 1.7223% | 771 |
| Pretax return on assets | 1.8133% | 1,047 |
| Return on Equity (ROE) | 18.2490% | 522 |
| Retained earnings to average equity (ytd only) | 4.5571% | 3,848 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7752% | 4,601 |
| Assets per employee ($millions) | 2.8492% | 6,435 |
| Cash dividends to net income (ytd only)* | 75.0281% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3536% | 4,790 |
| Loan loss allowance to noncurrent loans | 436.8421% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.5885% | 5,422 |
| Noncurrent loans to loans | 0.3099% | 6,061 |
| Net loans and leases to total assets | 72.7073% | 1,273 |
| Net loans and leases to deposits | 82.9088% | 1,805 |
| Net loans and leases to core deposits | 85.7201% | 2,325 |
| Total domestic deposits to total assets | 87.6956% | 2,532 |
| Equity capital to assets | 9.4057% | 4,953 |
| Core capital (leverage) ratio | 9.0942% | 4,691 |
| Tier 1 risk-based capital ratio | 11.0026% | 6,531 |
| Total risk-based capital ratio | 12.2267% | 6,538 |
| Memoranda: | ||
| Average total assets | $206,471,500 | 3,034 |
| Average earning assets | $193,377,000 | 2,982 |
| Average equity | $19,486,000 | 3,289 |
| Average total loans | $154,012,500 | 2,573 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1035% | 2,442 |
| Cost of funding earning assets | 0.9761% | 3,534 |
| Net interest margin | 4.1274% | 2,321 |
| Noninterest income to average assets | 2.0875% | 352 |
| Noninterest expense to average assets | 3.9214% | 1,155 |
| Loan and lease loss provision to assets | 0.2789% | 3,431 |
| Net operating income to assets | 1.6096% | 651 |
| Return on assets (ROA) | 1.6499% | 645 |
| Pretax return on assets | 1.7370% | 915 |
| Return on Equity (ROE) | 18.0777% | 373 |
| Retained earnings to average equity (ytd only) | 9.0416% | 788 |
| Net charge-offs to loans | 0.1505% | 4,936 |
| Credit loss provision to net charge-offs | 258.7156% | 933 |
| Earnings coverage of net charge-offs (x) | 18.3073% | 1,227 |
| Efficiency ratio | 66.5241% | 4,651 |
| Assets per employee ($millions) | 2.8466% | 6,387 |
| Cash dividends to net income (ytd only)* | 49.9850% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 4,940 |
| Loan loss allowance to noncurrent loans | 411.5226% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.5953% | 5,476 |
| Noncurrent loans to loans | 0.3141% | 6,103 |
| Net loans and leases to total assets | 74.5176% | 1,171 |
| Net loans and leases to deposits | 86.6481% | 1,585 |
| Net loans and leases to core deposits | 90.1251% | 2,114 |
| Total domestic deposits to total assets | 86.0002% | 3,324 |
| Equity capital to assets | 9.4700% | 4,928 |
| Core capital (leverage) ratio | 8.9856% | 4,816 |
| Tier 1 risk-based capital ratio | 11.0038% | 6,454 |
| Total risk-based capital ratio | 12.1980% | 6,463 |
| Memoranda: | ||
| Average total assets | $202,248,600 | 3,034 |
| Average earning assets | $186,559,600 | 3,010 |
| Average equity | $18,459,200 | 3,369 |
| Average total loans | $144,833,000 | 2,715 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0876% | 2,669 |
| Cost of funding earning assets | 1.0085% | 3,622 |
| Net interest margin | 4.0792% | 2,558 |
| Noninterest income to average assets | 1.9929% | 380 |
| Noninterest expense to average assets | 3.8529% | 1,229 |
| Loan and lease loss provision to assets | 0.1660% | 4,399 |
| Net operating income to assets | 1.6386% | 722 |
| Return on assets (ROA) | 1.6926% | 704 |
| Pretax return on assets | 1.7819% | 987 |
| Return on Equity (ROE) | 18.7244% | 402 |
| Retained earnings to average equity (ytd only) | 9.3585% | 1,023 |
| Net charge-offs to loans | 0.2182% | 4,072 |
| Credit loss provision to net charge-offs | 107.7253% | 3,069 |
| Earnings coverage of net charge-offs (x) | 12.2703% | 1,723 |
| Efficiency ratio | 67.0774% | 4,507 |
| Assets per employee ($millions) | 2.7909% | 6,503 |
| Cash dividends to net income (ytd only)* | 50.0195% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1101% | 5,849 |
| Loan loss allowance to noncurrent loans | 86.1856% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 1.3704% | 4,082 |
| Noncurrent loans to loans | 1.2880% | 4,380 |
| Net loans and leases to total assets | 73.1102% | 1,489 |
| Net loans and leases to deposits | 87.6543% | 1,471 |
| Net loans and leases to core deposits | 90.7850% | 2,151 |
| Total domestic deposits to total assets | 83.4074% | 4,519 |
| Equity capital to assets | 9.3877% | 5,254 |
| Core capital (leverage) ratio | 8.8803% | 5,138 |
| Tier 1 risk-based capital ratio | 10.6141% | 6,729 |
| Total risk-based capital ratio | 11.5978% | 6,827 |
| Memoranda: | ||
| Average total assets | $201,572,500 | 3,057 |
| Average earning assets | $185,360,500 | 3,035 |
| Average equity | $18,221,750 | 3,398 |
| Average total loans | $142,359,750 | 2,771 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0860% | 2,748 |
| Cost of funding earning assets | 1.0363% | 3,693 |
| Net interest margin | 4.0496% | 2,614 |
| Noninterest income to average assets | 1.9915% | 361 |
| Noninterest expense to average assets | 4.0109% | 1,035 |
| Loan and lease loss provision to assets | 0.1494% | 4,446 |
| Net operating income to assets | 1.4627% | 956 |
| Return on assets (ROA) | 1.5365% | 879 |
| Pretax return on assets | 1.6171% | 1,230 |
| Return on Equity (ROE) | 17.2207% | 532 |
| Retained earnings to average equity (ytd only) | 8.6048% | 1,232 |
| Net charge-offs to loans | -0.0014% | 6,521 |
| Credit loss provision to net charge-offs | -15,000.0000% | 6,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3704% | 4,040 |
| Assets per employee ($millions) | 2.6524% | 6,716 |
| Cash dividends to net income (ytd only)* | 50.0324% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 5,316 |
| Loan loss allowance to noncurrent loans | 81.4163% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 1.1692% | 4,552 |
| Noncurrent loans to loans | 1.5342% | 4,109 |
| Net loans and leases to total assets | 70.7891% | 2,054 |
| Net loans and leases to deposits | 83.7388% | 2,149 |
| Net loans and leases to core deposits | 85.5275% | 2,994 |
| Total domestic deposits to total assets | 84.5356% | 4,104 |
| Equity capital to assets | 9.1698% | 5,325 |
| Core capital (leverage) ratio | 8.6868% | 5,243 |
| Tier 1 risk-based capital ratio | 10.9518% | 6,570 |
| Total risk-based capital ratio | 12.0794% | 6,611 |
| Memoranda: | ||
| Average total assets | $200,851,670 | 3,089 |
| Average earning assets | $183,917,330 | 3,074 |
| Average equity | $17,920,330 | 3,431 |
| Average total loans | $139,605,330 | 2,855 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1671% | 2,365 |
| Cost of funding earning assets | 1.0679% | 3,732 |
| Net interest margin | 4.0992% | 2,275 |
| Noninterest income to average assets | 1.9892% | 355 |
| Noninterest expense to average assets | 4.1360% | 881 |
| Loan and lease loss provision to assets | 0.1496% | 4,148 |
| Net operating income to assets | 1.3328% | 1,198 |
| Return on assets (ROA) | 1.3328% | 1,245 |
| Pretax return on assets | 1.4026% | 1,718 |
| Return on Equity (ROE) | 15.1491% | 799 |
| Retained earnings to average equity (ytd only) | 7.5746% | 1,908 |
| Net charge-offs to loans | -0.0029% | 6,198 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7113% | 3,731 |
| Assets per employee ($millions) | 2.6719% | 6,737 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2712% | 5,288 |
| Loan loss allowance to noncurrent loans | 124.1033% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.7655% | 5,382 |
| Noncurrent loans to loans | 1.0243% | 5,009 |
| Net loans and leases to total assets | 67.0497% | 2,747 |
| Net loans and leases to deposits | 76.4745% | 3,339 |
| Net loans and leases to core deposits | 78.1887% | 3,990 |
| Total domestic deposits to total assets | 87.6759% | 2,567 |
| Equity capital to assets | 8.8879% | 5,367 |
| Core capital (leverage) ratio | 8.5555% | 5,341 |
| Tier 1 risk-based capital ratio | 11.8864% | 5,793 |
| Total risk-based capital ratio | 13.0893% | 5,833 |
| Memoranda: | ||
| Average total assets | $200,484,500 | 3,107 |
| Average earning assets | $180,913,000 | 3,131 |
| Average equity | $17,638,000 | 3,469 |
| Average total loans | $137,155,000 | 2,942 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5699% | 2,009 |
| Cost of funding earning assets | 1.2630% | 4,122 |
| Net interest margin | 4.3069% | 1,799 |
| Noninterest income to average assets | 1.9418% | 417 |
| Noninterest expense to average assets | 3.9937% | 1,169 |
| Loan and lease loss provision to assets | 0.0935% | 6,208 |
| Net operating income to assets | 1.7034% | 510 |
| Return on assets (ROA) | 1.7034% | 553 |
| Pretax return on assets | 1.7933% | 769 |
| Return on Equity (ROE) | 18.7682% | 328 |
| Retained earnings to average equity (ytd only) | 4.8694% | 2,499 |
| Net charge-offs to loans | 0.1359% | 5,557 |
| Credit loss provision to net charge-offs | 94.2408% | 4,931 |
| Earnings coverage of net charge-offs (x) | 19.0209% | 1,084 |
| Efficiency ratio | 67.9149% | 4,578 |
| Assets per employee ($millions) | 2.7857% | 6,541 |
| Cash dividends to net income (ytd only)* | 74.0549% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 5,531 |
| Loan loss allowance to noncurrent loans | 117.3050% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.7853% | 5,443 |
| Noncurrent loans to loans | 1.0201% | 5,028 |
| Net loans and leases to total assets | 68.0854% | 2,969 |
| Net loans and leases to deposits | 77.9249% | 3,522 |
| Net loans and leases to core deposits | 80.0414% | 4,214 |
| Total domestic deposits to total assets | 87.3732% | 2,626 |
| Equity capital to assets | 8.7076% | 5,573 |
| Core capital (leverage) ratio | 8.4160% | 5,507 |
| Tier 1 risk-based capital ratio | 11.4220% | 5,973 |
| Total risk-based capital ratio | 12.5492% | 6,077 |
| Memoranda: | ||
| Average total assets | $192,551,000 | 3,192 |
| Average earning assets | $176,088,600 | 3,166 |
| Average equity | $17,476,400 | 3,507 |
| Average total loans | $140,505,000 | 2,942 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5964% | 2,075 |
| Cost of funding earning assets | 1.2765% | 4,395 |
| Net interest margin | 4.3199% | 1,776 |
| Noninterest income to average assets | 1.8753% | 418 |
| Noninterest expense to average assets | 4.0430% | 996 |
| Loan and lease loss provision to assets | 0.0735% | 6,322 |
| Net operating income to assets | 1.6416% | 684 |
| Return on assets (ROA) | 1.6416% | 750 |
| Pretax return on assets | 1.7276% | 1,057 |
| Return on Equity (ROE) | 17.8950% | 489 |
| Retained earnings to average equity (ytd only) | 5.9192% | 2,404 |
| Net charge-offs to loans | 0.1824% | 4,866 |
| Credit loss provision to net charge-offs | 54.4041% | 5,818 |
| Earnings coverage of net charge-offs (x) | 13.3366% | 1,588 |
| Efficiency ratio | 69.1810% | 4,226 |
| Assets per employee ($millions) | 2.6292% | 6,886 |
| Cash dividends to net income (ytd only)* | 66.9224% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 5,791 |
| Loan loss allowance to noncurrent loans | 106.3385% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.8470% | 5,399 |
| Noncurrent loans to loans | 1.0663% | 5,108 |
| Net loans and leases to total assets | 70.6738% | 2,572 |
| Net loans and leases to deposits | 81.5548% | 3,180 |
| Net loans and leases to core deposits | 84.0832% | 3,919 |
| Total domestic deposits to total assets | 86.6581% | 2,712 |
| Equity capital to assets | 9.2152% | 5,291 |
| Core capital (leverage) ratio | 8.7450% | 5,113 |
| Tier 1 risk-based capital ratio | 10.8923% | 6,465 |
| Total risk-based capital ratio | 11.9218% | 6,645 |
| Memoranda: | ||
| Average total assets | $190,545,500 | 3,267 |
| Average earning assets | $175,060,750 | 3,234 |
| Average equity | $17,479,250 | 3,559 |
| Average total loans | $141,077,500 | 2,961 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6163% | 2,073 |
| Cost of funding earning assets | 1.2927% | 4,581 |
| Net interest margin | 4.3236% | 1,692 |
| Noninterest income to average assets | 1.8762% | 384 |
| Noninterest expense to average assets | 4.1394% | 874 |
| Loan and lease loss provision to assets | 0.0634% | 6,318 |
| Net operating income to assets | 1.5813% | 758 |
| Return on assets (ROA) | 1.5813% | 815 |
| Pretax return on assets | 1.6648% | 1,127 |
| Return on Equity (ROE) | 17.2655% | 547 |
| Retained earnings to average equity (ytd only) | 6.7285% | 1,956 |
| Net charge-offs to loans | 0.0437% | 5,769 |
| Credit loss provision to net charge-offs | 193.5484% | 2,035 |
| Earnings coverage of net charge-offs (x) | 52.7419% | 563 |
| Efficiency ratio | 70.5458% | 4,075 |
| Assets per employee ($millions) | 2.5979% | 6,952 |
| Cash dividends to net income (ytd only)* | 61.0294% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2213% | 5,347 |
| Loan loss allowance to noncurrent loans | 107.1474% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.9334% | 5,260 |
| Noncurrent loans to loans | 1.1399% | 5,056 |
| Net loans and leases to total assets | 73.2462% | 2,095 |
| Net loans and leases to deposits | 85.1827% | 2,664 |
| Net loans and leases to core deposits | 88.3477% | 3,505 |
| Total domestic deposits to total assets | 85.9872% | 3,099 |
| Equity capital to assets | 9.4178% | 4,838 |
| Core capital (leverage) ratio | 8.6852% | 5,104 |
| Tier 1 risk-based capital ratio | 11.4631% | 5,807 |
| Total risk-based capital ratio | 12.6406% | 5,854 |
| Memoranda: | ||
| Average total assets | $189,207,330 | 3,316 |
| Average earning assets | $174,669,330 | 3,263 |
| Average equity | $17,329,330 | 3,580 |
| Average total loans | $141,743,330 | 2,983 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6198% | 2,069 |
| Cost of funding earning assets | 1.3212% | 4,680 |
| Net interest margin | 4.2986% | 1,697 |
| Noninterest income to average assets | 1.7784% | 407 |
| Noninterest expense to average assets | 4.2084% | 800 |
| Loan and lease loss provision to assets | 0.0631% | 6,014 |
| Net operating income to assets | 1.3748% | 1,134 |
| Return on assets (ROA) | 1.3748% | 1,207 |
| Pretax return on assets | 1.4462% | 1,649 |
| Return on Equity (ROE) | 15.2217% | 837 |
| Retained earnings to average equity (ytd only) | 8.0298% | 1,698 |
| Net charge-offs to loans | 0.0586% | 4,826 |
| Credit loss provision to net charge-offs | 142.8571% | 2,488 |
| Earnings coverage of net charge-offs (x) | 34.1905% | 792 |
| Efficiency ratio | 73.6029% | 3,640 |
| Assets per employee ($millions) | 2.5832% | 7,076 |
| Cash dividends to net income (ytd only)* | 47.2477% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1784% | 5,614 |
| Loan loss allowance to noncurrent loans | 82.4225% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 1.0903% | 4,966 |
| Noncurrent loans to loans | 1.4298% | 4,591 |
| Net loans and leases to total assets | 74.4434% | 1,878 |
| Net loans and leases to deposits | 85.4697% | 2,686 |
| Net loans and leases to core deposits | 89.1878% | 3,472 |
| Total domestic deposits to total assets | 87.0992% | 2,579 |
| Equity capital to assets | 9.1786% | 5,019 |
| Core capital (leverage) ratio | 8.5772% | 5,242 |
| Tier 1 risk-based capital ratio | 11.2512% | 5,903 |
| Total risk-based capital ratio | 12.4100% | 5,965 |
| Memoranda: | ||
| Average total assets | $190,286,000 | 3,361 |
| Average earning assets | $174,382,000 | 3,331 |
| Average equity | $17,186,000 | 3,625 |
| Average total loans | $143,264,500 | 3,020 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7072% | 3,067 |
| Cost of funding earning assets | 1.6767% | 4,633 |
| Net interest margin | 4.0305% | 2,744 |
| Noninterest income to average assets | 1.8644% | 428 |
| Noninterest expense to average assets | 3.8536% | 1,590 |
| Loan and lease loss provision to assets | 0.1719% | 5,970 |
| Net operating income to assets | 1.5358% | 625 |
| Return on assets (ROA) | 1.5358% | 666 |
| Pretax return on assets | 1.6057% | 951 |
| Return on Equity (ROE) | 18.5566% | 332 |
| Retained earnings to average equity (ytd only) | 14.2291% | 112 |
| Net charge-offs to loans | 0.0226% | 6,919 |
| Credit loss provision to net charge-offs | 1,015.6250% | 287 |
| Earnings coverage of net charge-offs (x) | 105.0000% | 268 |
| Efficiency ratio | 68.4329% | 4,937 |
| Assets per employee ($millions) | 2.5263% | 7,158 |
| Cash dividends to net income (ytd only)* | 23.3207% | 3,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1524% | 5,632 |
| Loan loss allowance to noncurrent loans | 79.7414% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 1.1016% | 4,890 |
| Noncurrent loans to loans | 1.4452% | 4,503 |
| Net loans and leases to total assets | 74.3805% | 2,171 |
| Net loans and leases to deposits | 87.0577% | 2,726 |
| Net loans and leases to core deposits | 98.6346% | 4,161 |
| Total domestic deposits to total assets | 85.4382% | 3,329 |
| Equity capital to assets | 8.8874% | 5,298 |
| Core capital (leverage) ratio | 8.3987% | 5,443 |
| Tier 1 risk-based capital ratio | 10.7382% | 6,167 |
| Total risk-based capital ratio | 11.8620% | 6,264 |
| Memoranda: | ||
| Average total assets | $189,018,200 | 3,298 |
| Average earning assets | $176,652,800 | 3,258 |
| Average equity | $15,644,000 | 3,937 |
| Average total loans | $141,303,600 | 3,054 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7235% | 3,221 |
| Cost of funding earning assets | 1.7359% | 4,723 |
| Net interest margin | 3.9876% | 2,867 |
| Noninterest income to average assets | 1.8575% | 430 |
| Noninterest expense to average assets | 3.8603% | 1,492 |
| Loan and lease loss provision to assets | 0.2302% | 5,129 |
| Net operating income to assets | 1.4362% | 954 |
| Return on assets (ROA) | 1.4362% | 1,013 |
| Pretax return on assets | 1.5120% | 1,380 |
| Return on Equity (ROE) | 17.6855% | 484 |
| Retained earnings to average equity (ytd only) | 11.7816% | 370 |
| Net charge-offs to loans | 0.0142% | 6,716 |
| Credit loss provision to net charge-offs | 2,166.6667% | 184 |
| Earnings coverage of net charge-offs (x) | 163.9960% | 230 |
| Efficiency ratio | 68.9041% | 4,809 |
| Assets per employee ($millions) | 2.6129% | 7,024 |
| Cash dividends to net income (ytd only)* | 33.3825% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1807% | 5,220 |
| Loan loss allowance to noncurrent loans | 78.2326% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 1.1272% | 4,821 |
| Noncurrent loans to loans | 1.5092% | 4,394 |
| Net loans and leases to total assets | 73.8050% | 2,588 |
| Net loans and leases to deposits | 86.7696% | 3,172 |
| Net loans and leases to core deposits | 99.4265% | 4,437 |
| Total domestic deposits to total assets | 85.0586% | 3,206 |
| Equity capital to assets | 8.5950% | 6,119 |
| Core capital (leverage) ratio | 7.9347% | 6,464 |
| Tier 1 risk-based capital ratio | 10.1903% | 6,786 |
| Total risk-based capital ratio | 11.3305% | 6,847 |
| Memoranda: | ||
| Average total assets | $188,272,250 | 3,330 |
| Average earning assets | $176,810,750 | 3,277 |
| Average equity | $15,289,000 | 4,049 |
| Average total loans | $140,510,250 | 3,106 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6943% | 3,574 |
| Cost of funding earning assets | 1.8352% | 4,580 |
| Net interest margin | 3.8590% | 3,296 |
| Noninterest income to average assets | 1.8095% | 445 |
| Noninterest expense to average assets | 3.8069% | 1,648 |
| Loan and lease loss provision to assets | 0.3148% | 4,056 |
| Net operating income to assets | 1.2483% | 1,362 |
| Return on assets (ROA) | 1.2483% | 1,436 |
| Pretax return on assets | 1.3134% | 1,980 |
| Return on Equity (ROE) | 15.6829% | 739 |
| Retained earnings to average equity (ytd only) | 6.6083% | 1,742 |
| Net charge-offs to loans | 0.0214% | 6,201 |
| Credit loss provision to net charge-offs | 1,966.6667% | 271 |
| Earnings coverage of net charge-offs (x) | 101.7333% | 376 |
| Efficiency ratio | 70.0432% | 4,769 |
| Assets per employee ($millions) | 2.7341% | 6,770 |
| Cash dividends to net income (ytd only)* | 57.8632% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1717% | 5,132 |
| Loan loss allowance to noncurrent loans | 105.6942% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.8285% | 5,331 |
| Noncurrent loans to loans | 1.1086% | 5,003 |
| Net loans and leases to total assets | 73.8578% | 2,745 |
| Net loans and leases to deposits | 84.8347% | 3,749 |
| Net loans and leases to core deposits | 96.1893% | 4,882 |
| Total domestic deposits to total assets | 87.0609% | 2,223 |
| Equity capital to assets | 8.0243% | 6,722 |
| Core capital (leverage) ratio | 7.5000% | 7,019 |
| Tier 1 risk-based capital ratio | 9.6288% | 7,292 |
| Total risk-based capital ratio | 10.7509% | 7,346 |
| Memoranda: | ||
| Average total assets | $187,450,000 | 3,369 |
| Average earning assets | $176,107,000 | 3,315 |
| Average equity | $14,920,670 | 4,124 |
| Average total loans | $139,861,330 | 3,145 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7073% | 3,767 |
| Cost of funding earning assets | 1.9093% | 4,582 |
| Net interest margin | 3.7980% | 3,446 |
| Noninterest income to average assets | 1.5906% | 544 |
| Noninterest expense to average assets | 3.6543% | 1,744 |
| Loan and lease loss provision to assets | 0.0642% | 6,150 |
| Net operating income to assets | 1.3701% | 1,208 |
| Return on assets (ROA) | 1.3701% | 1,300 |
| Pretax return on assets | 1.4407% | 1,845 |
| Return on Equity (ROE) | 17.2833% | 661 |
| Retained earnings to average equity (ytd only) | 3.4567% | 3,968 |
| Net charge-offs to loans | 0.0431% | 4,876 |
| Credit loss provision to net charge-offs | 200.0000% | 2,207 |
| Earnings coverage of net charge-offs (x) | 46.8667% | 763 |
| Efficiency ratio | 70.8299% | 4,405 |
| Assets per employee ($millions) | 2.6936% | 6,901 |
| Cash dividends to net income (ytd only)* | 80.0000% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0220% | 6,019 |
| Loan loss allowance to noncurrent loans | 445.9807% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.2039% | 6,912 |
| Noncurrent loans to loans | 0.2292% | 6,878 |
| Net loans and leases to total assets | 72.2735% | 3,183 |
| Net loans and leases to deposits | 82.5489% | 4,202 |
| Net loans and leases to core deposits | 94.4860% | 5,116 |
| Total domestic deposits to total assets | 87.5523% | 1,947 |
| Equity capital to assets | 7.9841% | 6,837 |
| Core capital (leverage) ratio | 7.4352% | 7,232 |
| Tier 1 risk-based capital ratio | 9.7341% | 7,216 |
| Total risk-based capital ratio | 10.7117% | 7,410 |
| Memoranda: | ||
| Average total assets | $186,848,500 | 3,402 |
| Average earning assets | $175,564,000 | 3,345 |
| Average equity | $14,812,000 | 4,174 |
| Average total loans | $139,298,500 | 3,179 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1532% | 4,760 |
| Cost of funding earning assets | 2.4607% | 4,419 |
| Net interest margin | 3.6925% | 4,505 |
| Noninterest income to average assets | 1.9197% | 370 |
| Noninterest expense to average assets | 3.7410% | 1,873 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.5281% | 964 |
| Return on assets (ROA) | 1.5858% | 818 |
| Pretax return on assets | 1.6693% | 1,217 |
| Return on Equity (ROE) | 20.5654% | 331 |
| Retained earnings to average equity (ytd only) | 5.3833% | 1,819 |
| Net charge-offs to loans | 0.0960% | 5,367 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 22.7344% | 1,456 |
| Efficiency ratio | 69.9318% | 4,368 |
| Assets per employee ($millions) | 2.8460% | 6,459 |
| Cash dividends to net income (ytd only)* | 73.8236% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9602% | 6,344 |
| Loan loss allowance to noncurrent loans | 1,306.6667% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 7,351 |
| Noncurrent loans to loans | 0.0735% | 7,212 |
| Net loans and leases to total assets | 75.3369% | 2,799 |
| Net loans and leases to deposits | 86.9201% | 3,967 |
| Net loans and leases to core deposits | 99.2879% | 4,898 |
| Total domestic deposits to total assets | 86.6737% | 2,105 |
| Equity capital to assets | 7.8711% | 7,011 |
| Core capital (leverage) ratio | 7.4754% | 7,234 |
| Tier 1 risk-based capital ratio | 9.2003% | 7,615 |
| Total risk-based capital ratio | 10.1229% | 7,896 |
| Memoranda: | ||
| Average total assets | $180,915,400 | 3,397 |
| Average earning assets | $168,043,000 | 3,362 |
| Average equity | $13,950,600 | 4,349 |
| Average total loans | $133,273,600 | 3,213 |