Home > The First National Bank of Elmer > Performance and Condition Ratios
The First National Bank of Elmer, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7642% | 2,549 |
| Cost of funding earning assets | 0.4049% | 4,284 |
| Net interest margin | 4.3592% | 745 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 3.1406% | 896 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8941% | 2,567 |
| Return on assets (ROA) | 0.8941% | 2,540 |
| Pretax return on assets | 1.2547% | 1,995 |
| Return on Equity (ROE) | 10.4900% | 2,364 |
| Retained earnings to average equity (ytd only) | 8.3696% | 1,435 |
| Net charge-offs to loans | 0.0003% | 2,897 |
| Credit loss provision to net charge-offs | 500.0000% | 667 |
| Earnings coverage of net charge-offs (x) | 4,577.0000% | 17 |
| Efficiency ratio | 71.4312% | 1,716 |
| Assets per employee ($millions) | 4.7971% | 3,776 |
| Cash dividends to net income (ytd only)* | 20.2271% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4092% | 1,360 |
| Loan loss allowance to noncurrent loans | 58,328.5714% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.3500% | 1,563 |
| Noncurrent loans to loans | 0.0024% | 3,785 |
| Net loans and leases to total assets | 78.3500% | 827 |
| Net loans and leases to deposits | 86.5283% | 1,581 |
| Net loans and leases to core deposits | 89.1124% | 2,111 |
| Total domestic deposits to total assets | 90.5500% | 616 |
| Equity capital to assets | 8.9572% | 2,705 |
| Core capital (leverage) ratio | 9.5958% | 3,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5069% | 1,684 |
| Memoranda: | ||
| Average total assets | $364,384,800 | 2,141 |
| Average earning assets | $344,006,200 | 2,115 |
| Average equity | $31,052,800 | 2,219 |
| Average total loans | $285,891,000 | 1,845 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7131% | 2,443 |
| Cost of funding earning assets | 0.3622% | 4,301 |
| Net interest margin | 4.3509% | 750 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 3.0411% | 1,003 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9540% | 2,503 |
| Return on assets (ROA) | 0.9540% | 2,491 |
| Pretax return on assets | 1.3398% | 1,931 |
| Return on Equity (ROE) | 11.3400% | 2,294 |
| Retained earnings to average equity (ytd only) | 9.6044% | 1,516 |
| Net charge-offs to loans | 0.0005% | 2,646 |
| Credit loss provision to net charge-offs | 1,300.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 3,674.0000% | 24 |
| Efficiency ratio | 69.3425% | 1,863 |
| Assets per employee ($millions) | 4.9120% | 3,665 |
| Cash dividends to net income (ytd only)* | 15.3049% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4281% | 1,340 |
| Loan loss allowance to noncurrent loans | 51,137.5000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.3755% | 1,530 |
| Noncurrent loans to loans | 0.0028% | 3,800 |
| Net loans and leases to total assets | 79.8400% | 663 |
| Net loans and leases to deposits | 88.2107% | 1,367 |
| Net loans and leases to core deposits | 91.2657% | 1,845 |
| Total domestic deposits to total assets | 90.5100% | 807 |
| Equity capital to assets | 8.9313% | 2,459 |
| Core capital (leverage) ratio | 9.5762% | 3,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5277% | 1,701 |
| Memoranda: | ||
| Average total assets | $364,336,500 | 2,142 |
| Average earning assets | $343,827,500 | 2,118 |
| Average equity | $30,652,000 | 2,221 |
| Average total loans | $284,929,000 | 1,852 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6602% | 2,288 |
| Cost of funding earning assets | 0.3230% | 4,280 |
| Net interest margin | 4.3372% | 764 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 3.0128% | 1,025 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 0.9900% | 2,453 |
| Return on assets (ROA) | 0.9900% | 2,441 |
| Pretax return on assets | 1.3890% | 1,843 |
| Return on Equity (ROE) | 12.0000% | 2,156 |
| Retained earnings to average equity (ytd only) | 9.3737% | 1,581 |
| Net charge-offs to loans | 0.0007% | 2,415 |
| Credit loss provision to net charge-offs | -6,400.0000% | 4,662 |
| Earnings coverage of net charge-offs (x) | 2,491.0000% | 54 |
| Efficiency ratio | 68.9904% | 1,869 |
| Assets per employee ($millions) | 4.9463% | 3,637 |
| Cash dividends to net income (ytd only)* | 21.9110% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3982% | 1,539 |
| Loan loss allowance to noncurrent loans | 4,054.5455% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.3980% | 1,341 |
| Noncurrent loans to loans | 0.0345% | 3,493 |
| Net loans and leases to total assets | 78.3900% | 794 |
| Net loans and leases to deposits | 86.2102% | 1,483 |
| Net loans and leases to core deposits | 89.1118% | 1,858 |
| Total domestic deposits to total assets | 90.9300% | 674 |
| Equity capital to assets | 8.6045% | 2,775 |
| Core capital (leverage) ratio | 9.0201% | 3,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1594% | 1,827 |
| Memoranda: | ||
| Average total assets | $367,893,667 | 2,135 |
| Average earning assets | $347,321,667 | 2,111 |
| Average equity | $30,340,333 | 2,253 |
| Average total loans | $284,419,667 | 1,843 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4859% | 2,349 |
| Cost of funding earning assets | 0.2739% | 4,245 |
| Net interest margin | 4.2120% | 932 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 3.0121% | 1,043 |
| Loan and lease loss provision to assets | -0.0400% | 4,493 |
| Net operating income to assets | 0.9179% | 2,796 |
| Return on assets (ROA) | 0.9179% | 2,752 |
| Pretax return on assets | 1.2863% | 2,215 |
| Return on Equity (ROE) | 11.3700% | 2,382 |
| Retained earnings to average equity (ytd only) | 9.5276% | 1,811 |
| Net charge-offs to loans | 0.0014% | 1,995 |
| Credit loss provision to net charge-offs | -4,100.0000% | 4,678 |
| Earnings coverage of net charge-offs (x) | 1,153.0000% | 88 |
| Efficiency ratio | 70.8027% | 1,666 |
| Assets per employee ($millions) | 5.1539% | 3,529 |
| Cash dividends to net income (ytd only)* | 16.1972% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4052% | 1,597 |
| Loan loss allowance to noncurrent loans | 1,654.5082% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.4306% | 1,198 |
| Noncurrent loans to loans | 0.0849% | 3,136 |
| Net loans and leases to total assets | 76.3300% | 944 |
| Net loans and leases to deposits | 83.7923% | 1,513 |
| Net loans and leases to core deposits | 85.8897% | 1,873 |
| Total domestic deposits to total assets | 91.1000% | 768 |
| Equity capital to assets | 8.2761% | 3,056 |
| Core capital (leverage) ratio | 8.8464% | 3,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8798% | 2,009 |
| Memoranda: | ||
| Average total assets | $371,302,000 | 2,149 |
| Average earning assets | $351,946,000 | 2,108 |
| Average equity | $29,976,000 | 2,295 |
| Average total loans | $283,092,500 | 1,869 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7334% | 2,444 |
| Cost of funding earning assets | 0.2111% | 3,667 |
| Net interest margin | 3.5223% | 1,860 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 2.6978% | 1,563 |
| Loan and lease loss provision to assets | -0.0500% | 4,417 |
| Net operating income to assets | 0.7002% | 3,620 |
| Return on assets (ROA) | 0.7002% | 3,566 |
| Pretax return on assets | 0.9753% | 3,147 |
| Return on Equity (ROE) | 9.2900% | 3,035 |
| Retained earnings to average equity (ytd only) | 7.5845% | 1,992 |
| Net charge-offs to loans | 0.0011% | 2,532 |
| Credit loss provision to net charge-offs | -5,800.0000% | 4,710 |
| Earnings coverage of net charge-offs (x) | 1,181.6667% | 153 |
| Efficiency ratio | 74.3710% | 1,178 |
| Assets per employee ($millions) | 5.2327% | 3,484 |
| Cash dividends to net income (ytd only)* | 18.3521% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5702% | 1,031 |
| Loan loss allowance to noncurrent loans | 287.5246% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.4099% | 1,252 |
| Noncurrent loans to loans | 0.5461% | 1,355 |
| Net loans and leases to total assets | 73.8900% | 1,224 |
| Net loans and leases to deposits | 80.6479% | 1,726 |
| Net loans and leases to core deposits | 81.7814% | 2,021 |
| Total domestic deposits to total assets | 91.6200% | 742 |
| Equity capital to assets | 7.8705% | 3,141 |
| Core capital (leverage) ratio | 8.3435% | 4,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7371% | 2,079 |
| Memoranda: | ||
| Average total assets | $381,311,600 | 2,099 |
| Average earning assets | $363,260,400 | 2,057 |
| Average equity | $28,742,800 | 2,394 |
| Average total loans | $265,220,600 | 1,874 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5220% | 2,541 |
| Cost of funding earning assets | 0.2136% | 3,108 |
| Net interest margin | 3.3084% | 2,269 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 2.6718% | 1,525 |
| Loan and lease loss provision to assets | -0.0300% | 4,434 |
| Net operating income to assets | 0.5674% | 3,920 |
| Return on assets (ROA) | 0.5674% | 3,875 |
| Pretax return on assets | 0.7859% | 3,620 |
| Return on Equity (ROE) | 7.6100% | 3,434 |
| Retained earnings to average equity (ytd only) | 6.5365% | 2,540 |
| Net charge-offs to loans | 0.0015% | 2,253 |
| Credit loss provision to net charge-offs | -2,900.0000% | 4,742 |
| Earnings coverage of net charge-offs (x) | 725.0000% | 224 |
| Efficiency ratio | 77.9524% | 918 |
| Assets per employee ($millions) | 5.5088% | 3,209 |
| Cash dividends to net income (ytd only)* | 14.0845% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6721% | 918 |
| Loan loss allowance to noncurrent loans | 293.6226% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.3944% | 1,378 |
| Noncurrent loans to loans | 0.5695% | 1,408 |
| Net loans and leases to total assets | 68.1100% | 1,668 |
| Net loans and leases to deposits | 73.8991% | 2,062 |
| Net loans and leases to core deposits | 74.9592% | 2,280 |
| Total domestic deposits to total assets | 92.1600% | 832 |
| Equity capital to assets | 7.3434% | 3,306 |
| Core capital (leverage) ratio | 7.9418% | 4,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1358% | 1,999 |
| Memoranda: | ||
| Average total assets | $383,758,250 | 2,106 |
| Average earning assets | $365,727,250 | 2,066 |
| Average equity | $28,618,250 | 2,428 |
| Average total loans | $261,803,500 | 1,888 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3626% | 2,537 |
| Cost of funding earning assets | 0.2184% | 2,658 |
| Net interest margin | 3.1442% | 2,388 |
| Noninterest income to average assets | 0.2772% | 3,508 |
| Noninterest expense to average assets | 2.6586% | 1,485 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4494% | 4,003 |
| Return on assets (ROA) | 0.4494% | 3,956 |
| Pretax return on assets | 0.6165% | 3,781 |
| Return on Equity (ROE) | 5.9961% | 3,573 |
| Retained earnings to average equity (ytd only) | 4.3944% | 2,924 |
| Net charge-offs to loans | 0.0015% | 2,067 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 590.5000% | 224 |
| Efficiency ratio | 81.1763% | 860 |
| Assets per employee ($millions) | 5.6129% | 3,117 |
| Cash dividends to net income (ytd only)* | 26.7131% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7308% | 913 |
| Loan loss allowance to noncurrent loans | 255.1261% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.4905% | 1,162 |
| Noncurrent loans to loans | 0.6784% | 1,274 |
| Net loans and leases to total assets | 65.8065% | 1,721 |
| Net loans and leases to deposits | 71.2114% | 2,092 |
| Net loans and leases to core deposits | 72.4745% | 2,286 |
| Total domestic deposits to total assets | 92.4101% | 689 |
| Equity capital to assets | 7.1707% | 3,680 |
| Core capital (leverage) ratio | 7.7756% | 4,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0418% | 2,044 |
| Memoranda: | ||
| Average total assets | $383,139,667 | 2,115 |
| Average earning assets | $365,312,333 | 2,080 |
| Average equity | $28,718,667 | 2,481 |
| Average total loans | $260,041,333 | 1,897 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2677% | 2,483 |
| Cost of funding earning assets | 0.2229% | 2,488 |
| Net interest margin | 3.0448% | 2,347 |
| Noninterest income to average assets | 0.2771% | 3,482 |
| Noninterest expense to average assets | 2.6976% | 1,371 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3553% | 4,045 |
| Return on assets (ROA) | 0.3553% | 4,010 |
| Pretax return on assets | 0.4833% | 3,894 |
| Return on Equity (ROE) | 4.6359% | 3,721 |
| Retained earnings to average equity (ytd only) | 4.6359% | 2,728 |
| Net charge-offs to loans | 0.0371% | 921 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 19.0417% | 1,294 |
| Efficiency ratio | 84.8072% | 796 |
| Assets per employee ($millions) | 4.9458% | 3,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7232% | 1,018 |
| Loan loss allowance to noncurrent loans | 241.1921% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.5307% | 1,128 |
| Noncurrent loans to loans | 0.7145% | 1,328 |
| Net loans and leases to total assets | 67.8683% | 1,226 |
| Net loans and leases to deposits | 73.7224% | 1,630 |
| Net loans and leases to core deposits | 75.1883% | 1,832 |
| Total domestic deposits to total assets | 92.0592% | 554 |
| Equity capital to assets | 7.5068% | 3,933 |
| Core capital (leverage) ratio | 7.9430% | 4,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2350% | 2,513 |
| Memoranda: | ||
| Average total assets | $378,258,500 | 2,140 |
| Average earning assets | $360,743,500 | 2,110 |
| Average equity | $28,991,000 | 2,536 |
| Average total loans | $258,507,500 | 1,897 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7149% | 2,066 |
| Cost of funding earning assets | 0.2517% | 2,914 |
| Net interest margin | 3.4631% | 1,844 |
| Noninterest income to average assets | 0.2870% | 3,672 |
| Noninterest expense to average assets | 2.7373% | 1,520 |
| Loan and lease loss provision to assets | 0.0833% | 1,478 |
| Net operating income to assets | 0.5529% | 3,973 |
| Return on assets (ROA) | 0.5529% | 4,025 |
| Pretax return on assets | 0.7616% | 3,811 |
| Return on Equity (ROE) | 6.8959% | 3,543 |
| Retained earnings to average equity (ytd only) | 5.1442% | 2,727 |
| Net charge-offs to loans | -0.0287% | 4,107 |
| Credit loss provision to net charge-offs | -389.6104% | 3,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4141% | 1,069 |
| Assets per employee ($millions) | 5.2914% | 3,486 |
| Cash dividends to net income (ytd only)* | 25.4016% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7939% | 874 |
| Loan loss allowance to noncurrent loans | 196.2532% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.6181% | 1,060 |
| Noncurrent loans to loans | 0.9141% | 1,109 |
| Net loans and leases to total assets | 66.4019% | 1,429 |
| Net loans and leases to deposits | 72.3936% | 1,874 |
| Net loans and leases to core deposits | 74.1021% | 2,067 |
| Total domestic deposits to total assets | 91.7235% | 263 |
| Equity capital to assets | 7.8240% | 4,457 |
| Core capital (leverage) ratio | 7.8415% | 4,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7632% | 2,335 |
| Memoranda: | ||
| Average total assets | $360,281,400 | 2,150 |
| Average earning assets | $342,810,600 | 2,114 |
| Average equity | $28,886,800 | 2,602 |
| Average total loans | $268,150,000 | 1,843 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8295% | 1,950 |
| Cost of funding earning assets | 0.2574% | 3,040 |
| Net interest margin | 3.5721% | 1,669 |
| Noninterest income to average assets | 0.2813% | 3,753 |
| Noninterest expense to average assets | 2.7520% | 1,458 |
| Loan and lease loss provision to assets | 0.1122% | 1,076 |
| Net operating income to assets | 0.5880% | 4,022 |
| Return on assets (ROA) | 0.5880% | 4,070 |
| Pretax return on assets | 0.8117% | 3,866 |
| Return on Equity (ROE) | 7.2877% | 3,591 |
| Retained earnings to average equity (ytd only) | 6.1936% | 2,746 |
| Net charge-offs to loans | -0.0334% | 4,181 |
| Credit loss provision to net charge-offs | -441.1765% | 3,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8652% | 1,143 |
| Assets per employee ($millions) | 5.2962% | 3,409 |
| Cash dividends to net income (ytd only)* | 15.0127% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7421% | 1,024 |
| Loan loss allowance to noncurrent loans | 369.7561% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.3566% | 2,008 |
| Noncurrent loans to loans | 0.4711% | 2,148 |
| Net loans and leases to total assets | 69.1913% | 1,167 |
| Net loans and leases to deposits | 75.5678% | 1,710 |
| Net loans and leases to core deposits | 77.3779% | 1,927 |
| Total domestic deposits to total assets | 91.5619% | 223 |
| Equity capital to assets | 7.9339% | 4,553 |
| Core capital (leverage) ratio | 7.8836% | 4,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8008% | 2,428 |
| Memoranda: | ||
| Average total assets | $356,429,750 | 2,184 |
| Average earning assets | $338,732,000 | 2,161 |
| Average equity | $28,760,000 | 2,638 |
| Average total loans | $271,682,250 | 1,863 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9192% | 1,769 |
| Cost of funding earning assets | 0.2635% | 3,157 |
| Net interest margin | 3.6556% | 1,456 |
| Noninterest income to average assets | 0.2815% | 3,734 |
| Noninterest expense to average assets | 2.8351% | 1,279 |
| Loan and lease loss provision to assets | 0.1706% | 679 |
| Net operating income to assets | 0.5500% | 4,110 |
| Return on assets (ROA) | 0.5500% | 4,154 |
| Pretax return on assets | 0.7473% | 3,978 |
| Return on Equity (ROE) | 6.7760% | 3,708 |
| Retained earnings to average equity (ytd only) | 5.1293% | 3,136 |
| Net charge-offs to loans | 0.0087% | 1,812 |
| Credit loss provision to net charge-offs | 2,500.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 134.5000% | 631 |
| Efficiency ratio | 75.5417% | 1,125 |
| Assets per employee ($millions) | 5.3059% | 3,343 |
| Cash dividends to net income (ytd only)* | 24.3020% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6688% | 1,125 |
| Loan loss allowance to noncurrent loans | 317.5551% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.4254% | 1,918 |
| Noncurrent loans to loans | 0.5255% | 2,099 |
| Net loans and leases to total assets | 70.8825% | 1,101 |
| Net loans and leases to deposits | 77.3093% | 1,698 |
| Net loans and leases to core deposits | 79.2247% | 1,941 |
| Total domestic deposits to total assets | 91.6869% | 196 |
| Equity capital to assets | 7.7728% | 4,644 |
| Core capital (leverage) ratio | 7.8542% | 4,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6134% | 2,512 |
| Memoranda: | ||
| Average total assets | $351,661,000 | 2,200 |
| Average earning assets | $333,949,667 | 2,173 |
| Average equity | $28,542,000 | 2,640 |
| Average total loans | $275,221,333 | 1,855 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1485% | 1,290 |
| Cost of funding earning assets | 0.2661% | 3,316 |
| Net interest margin | 3.8824% | 1,013 |
| Noninterest income to average assets | 0.2938% | 3,644 |
| Noninterest expense to average assets | 3.1002% | 839 |
| Loan and lease loss provision to assets | 0.2282% | 501 |
| Net operating income to assets | 0.4833% | 4,202 |
| Return on assets (ROA) | 0.4833% | 4,240 |
| Pretax return on assets | 0.6542% | 4,103 |
| Return on Equity (ROE) | 5.8213% | 3,909 |
| Retained earnings to average equity (ytd only) | 5.8213% | 2,952 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8431% | 964 |
| Assets per employee ($millions) | 4.9740% | 3,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5706% | 1,371 |
| Loan loss allowance to noncurrent loans | 276.0252% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.4862% | 1,933 |
| Noncurrent loans to loans | 0.5690% | 2,152 |
| Net loans and leases to total assets | 77.6389% | 489 |
| Net loans and leases to deposits | 84.9857% | 1,049 |
| Net loans and leases to core deposits | 87.0174% | 1,453 |
| Total domestic deposits to total assets | 91.3553% | 276 |
| Equity capital to assets | 8.0908% | 4,439 |
| Core capital (leverage) ratio | 8.3792% | 4,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1681% | 2,223 |
| Memoranda: | ||
| Average total assets | $341,785,500 | 2,230 |
| Average earning assets | $324,746,000 | 2,202 |
| Average equity | $28,378,500 | 2,642 |
| Average total loans | $278,965,000 | 1,841 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2268% | 2,066 |
| Cost of funding earning assets | 0.3164% | 4,049 |
| Net interest margin | 3.9103% | 1,184 |
| Noninterest income to average assets | 0.2982% | 3,697 |
| Noninterest expense to average assets | 3.0274% | 1,379 |
| Loan and lease loss provision to assets | 0.2992% | 1,257 |
| Net operating income to assets | 0.4952% | 4,039 |
| Return on assets (ROA) | 0.4952% | 4,125 |
| Pretax return on assets | 0.6649% | 3,954 |
| Return on Equity (ROE) | 5.5798% | 3,717 |
| Retained earnings to average equity (ytd only) | 4.8049% | 2,368 |
| Net charge-offs to loans | 0.0526% | 2,038 |
| Credit loss provision to net charge-offs | 655.6338% | 1,043 |
| Earnings coverage of net charge-offs (x) | 21.1268% | 1,913 |
| Efficiency ratio | 75.8454% | 1,251 |
| Assets per employee ($millions) | 4.8591% | 3,538 |
| Cash dividends to net income (ytd only)* | 13.8871% | 3,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4962% | 1,596 |
| Loan loss allowance to noncurrent loans | 259.6273% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.5396% | 1,938 |
| Noncurrent loans to loans | 0.5763% | 2,257 |
| Net loans and leases to total assets | 83.2857% | 210 |
| Net loans and leases to deposits | 91.5957% | 808 |
| Net loans and leases to core deposits | 93.9500% | 1,253 |
| Total domestic deposits to total assets | 90.9275% | 244 |
| Equity capital to assets | 8.5298% | 4,425 |
| Core capital (leverage) ratio | 8.4627% | 4,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7767% | 2,319 |
| Memoranda: | ||
| Average total assets | $311,160,000 | 2,235 |
| Average earning assets | $293,888,400 | 2,215 |
| Average equity | $27,617,400 | 2,628 |
| Average total loans | $269,766,000 | 1,830 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1587% | 2,498 |
| Cost of funding earning assets | 0.3265% | 4,180 |
| Net interest margin | 3.8322% | 1,527 |
| Noninterest income to average assets | 0.2986% | 3,697 |
| Noninterest expense to average assets | 2.9674% | 1,513 |
| Loan and lease loss provision to assets | 0.2484% | 1,630 |
| Net operating income to assets | 0.5253% | 3,968 |
| Return on assets (ROA) | 0.5253% | 4,063 |
| Pretax return on assets | 0.6998% | 3,899 |
| Return on Equity (ROE) | 5.8571% | 3,601 |
| Retained earnings to average equity (ytd only) | 5.7116% | 2,233 |
| Net charge-offs to loans | 0.0199% | 2,459 |
| Credit loss provision to net charge-offs | 1,427.5000% | 642 |
| Earnings coverage of net charge-offs (x) | 54.4750% | 1,149 |
| Efficiency ratio | 75.7808% | 1,222 |
| Assets per employee ($millions) | 4.6657% | 3,638 |
| Cash dividends to net income (ytd only)* | 2.4855% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3564% | 1,925 |
| Loan loss allowance to noncurrent loans | 184.6516% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.7137% | 1,636 |
| Noncurrent loans to loans | 0.7346% | 1,972 |
| Net loans and leases to total assets | 87.3316% | 97 |
| Net loans and leases to deposits | 96.0829% | 754 |
| Net loans and leases to core deposits | 98.3504% | 1,285 |
| Total domestic deposits to total assets | 90.8919% | 195 |
| Equity capital to assets | 8.5937% | 4,406 |
| Core capital (leverage) ratio | 8.5202% | 4,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4510% | 2,437 |
| Memoranda: | ||
| Average total assets | $306,345,750 | 2,241 |
| Average earning assets | $289,153,250 | 2,221 |
| Average equity | $27,475,750 | 2,623 |
| Average total loans | $267,365,000 | 1,827 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3031% | 2,463 |
| Cost of funding earning assets | 0.3420% | 4,302 |
| Net interest margin | 3.9611% | 1,420 |
| Noninterest income to average assets | 0.3104% | 3,604 |
| Noninterest expense to average assets | 2.9894% | 1,597 |
| Loan and lease loss provision to assets | 0.1575% | 2,419 |
| Net operating income to assets | 0.6649% | 3,527 |
| Return on assets (ROA) | 0.6649% | 3,617 |
| Pretax return on assets | 0.8985% | 3,315 |
| Return on Equity (ROE) | 7.3024% | 3,009 |
| Retained earnings to average equity (ytd only) | 7.3024% | 1,536 |
| Net charge-offs to loans | 0.0292% | 2,132 |
| Credit loss provision to net charge-offs | 621.0526% | 1,083 |
| Earnings coverage of net charge-offs (x) | 41.6316% | 1,220 |
| Efficiency ratio | 73.8944% | 1,471 |
| Assets per employee ($millions) | 4.6036% | 3,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 2,179 |
| Loan loss allowance to noncurrent loans | 139.9766% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.9004% | 1,359 |
| Noncurrent loans to loans | 0.9032% | 1,696 |
| Net loans and leases to total assets | 85.7495% | 149 |
| Net loans and leases to deposits | 94.4356% | 918 |
| Net loans and leases to core deposits | 96.7063% | 1,522 |
| Total domestic deposits to total assets | 90.8022% | 195 |
| Equity capital to assets | 8.5303% | 4,461 |
| Core capital (leverage) ratio | 8.8080% | 4,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4106% | 2,438 |
| Memoranda: | ||
| Average total assets | $299,594,333 | 2,259 |
| Average earning assets | $282,496,000 | 2,229 |
| Average equity | $27,278,667 | 2,626 |
| Average total loans | $260,104,333 | 1,846 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4420% | 2,471 |
| Cost of funding earning assets | 0.3713% | 4,455 |
| Net interest margin | 4.0707% | 1,195 |
| Noninterest income to average assets | 0.3441% | 3,461 |
| Noninterest expense to average assets | 3.1417% | 1,543 |
| Loan and lease loss provision to assets | 0.1301% | 2,089 |
| Net operating income to assets | 0.6798% | 3,337 |
| Return on assets (ROA) | 0.6798% | 3,404 |
| Pretax return on assets | 0.9218% | 3,074 |
| Return on Equity (ROE) | 7.2061% | 2,863 |
| Retained earnings to average equity (ytd only) | 7.2061% | 1,468 |
| Net charge-offs to loans | 0.0500% | 1,509 |
| Credit loss provision to net charge-offs | 300.0000% | 1,171 |
| Earnings coverage of net charge-offs (x) | 24.2581% | 1,304 |
| Efficiency ratio | 74.9166% | 1,699 |
| Assets per employee ($millions) | 3.9733% | 3,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3641% | 1,842 |
| Loan loss allowance to noncurrent loans | 218.6827% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.7037% | 1,905 |
| Noncurrent loans to loans | 0.6238% | 2,432 |
| Net loans and leases to total assets | 87.2764% | 87 |
| Net loans and leases to deposits | 97.1264% | 806 |
| Net loans and leases to core deposits | 99.8277% | 1,484 |
| Total domestic deposits to total assets | 89.8586% | 369 |
| Equity capital to assets | 9.5220% | 4,203 |
| Core capital (leverage) ratio | 9.5780% | 3,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2302% | 2,604 |
| Memoranda: | ||
| Average total assets | $285,962,000 | 2,285 |
| Average earning assets | $270,418,000 | 2,266 |
| Average equity | $26,977,000 | 2,641 |
| Average total loans | $248,222,000 | 1,875 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5379% | 2,818 |
| Cost of funding earning assets | 0.3963% | 4,451 |
| Net interest margin | 4.1415% | 1,446 |
| Noninterest income to average assets | 0.3775% | 3,439 |
| Noninterest expense to average assets | 3.1961% | 1,528 |
| Loan and lease loss provision to assets | 0.0697% | 2,613 |
| Net operating income to assets | 0.7462% | 3,712 |
| Return on assets (ROA) | 0.7462% | 3,790 |
| Pretax return on assets | 1.0274% | 3,398 |
| Return on Equity (ROE) | 8.1517% | 3,101 |
| Retained earnings to average equity (ytd only) | 5.2116% | 2,306 |
| Net charge-offs to loans | 0.0193% | 3,038 |
| Credit loss provision to net charge-offs | 430.4348% | 662 |
| Earnings coverage of net charge-offs (x) | 67.7826% | 901 |
| Efficiency ratio | 74.4468% | 1,557 |
| Assets per employee ($millions) | 3.9157% | 4,014 |
| Cash dividends to net income (ytd only)* | 36.0679% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3937% | 1,547 |
| Loan loss allowance to noncurrent loans | 212.6019% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.8581% | 1,494 |
| Noncurrent loans to loans | 0.6555% | 2,250 |
| Net loans and leases to total assets | 83.9338% | 325 |
| Net loans and leases to deposits | 93.2664% | 1,220 |
| Net loans and leases to core deposits | 95.5549% | 1,936 |
| Total domestic deposits to total assets | 89.9937% | 321 |
| Equity capital to assets | 9.3455% | 4,461 |
| Core capital (leverage) ratio | 9.4052% | 4,166 |
| Tier 1 risk-based capital ratio | 12.2257% | 4,228 |
| Total risk-based capital ratio | 13.4796% | 4,099 |
| Memoranda: | ||
| Average total assets | $284,222,200 | 2,256 |
| Average earning assets | $268,717,000 | 2,219 |
| Average equity | $26,019,000 | 2,633 |
| Average total loans | $238,115,200 | 1,899 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5676% | 2,841 |
| Cost of funding earning assets | 0.3995% | 4,505 |
| Net interest margin | 4.1681% | 1,453 |
| Noninterest income to average assets | 0.3401% | 3,691 |
| Noninterest expense to average assets | 3.2011% | 1,469 |
| Loan and lease loss provision to assets | 0.0930% | 2,050 |
| Net operating income to assets | 0.7197% | 3,947 |
| Return on assets (ROA) | 0.7197% | 4,014 |
| Pretax return on assets | 0.9865% | 3,632 |
| Return on Equity (ROE) | 7.9033% | 3,353 |
| Retained earnings to average equity (ytd only) | 5.8398% | 2,441 |
| Net charge-offs to loans | 0.0028% | 3,325 |
| Credit loss provision to net charge-offs | 3,960.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 459.3583% | 214 |
| Efficiency ratio | 74.7805% | 1,466 |
| Assets per employee ($millions) | 3.9094% | 4,015 |
| Cash dividends to net income (ytd only)* | 26.1096% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4518% | 1,391 |
| Loan loss allowance to noncurrent loans | 137.8313% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 1.0614% | 1,245 |
| Noncurrent loans to loans | 1.0533% | 1,520 |
| Net loans and leases to total assets | 81.6291% | 612 |
| Net loans and leases to deposits | 90.5944% | 1,619 |
| Net loans and leases to core deposits | 92.5884% | 2,308 |
| Total domestic deposits to total assets | 90.1039% | 262 |
| Equity capital to assets | 9.3309% | 4,574 |
| Core capital (leverage) ratio | 9.4329% | 4,244 |
| Tier 1 risk-based capital ratio | 12.5273% | 4,126 |
| Total risk-based capital ratio | 13.7822% | 3,996 |
| Memoranda: | ||
| Average total assets | $283,815,500 | 2,274 |
| Average earning assets | $268,316,000 | 2,236 |
| Average equity | $25,845,250 | 2,654 |
| Average total loans | $236,815,250 | 1,918 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5880% | 2,713 |
| Cost of funding earning assets | 0.4111% | 4,467 |
| Net interest margin | 4.1768% | 1,418 |
| Noninterest income to average assets | 0.3304% | 3,731 |
| Noninterest expense to average assets | 3.2256% | 1,450 |
| Loan and lease loss provision to assets | 0.1235% | 1,507 |
| Net operating income to assets | 0.6806% | 4,070 |
| Return on assets (ROA) | 0.6806% | 4,121 |
| Pretax return on assets | 0.9333% | 3,759 |
| Return on Equity (ROE) | 7.5360% | 3,479 |
| Retained earnings to average equity (ytd only) | 4.4090% | 3,063 |
| Net charge-offs to loans | 0.0051% | 2,975 |
| Credit loss provision to net charge-offs | 2,916.6667% | 131 |
| Earnings coverage of net charge-offs (x) | 249.5000% | 324 |
| Efficiency ratio | 75.3215% | 1,481 |
| Assets per employee ($millions) | 3.8213% | 4,093 |
| Cash dividends to net income (ytd only)* | 41.4938% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4473% | 1,432 |
| Loan loss allowance to noncurrent loans | 154.6981% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.9177% | 1,517 |
| Noncurrent loans to loans | 0.9356% | 1,745 |
| Net loans and leases to total assets | 82.0650% | 602 |
| Net loans and leases to deposits | 90.9426% | 1,637 |
| Net loans and leases to core deposits | 93.0201% | 2,324 |
| Total domestic deposits to total assets | 90.2382% | 265 |
| Equity capital to assets | 9.1999% | 4,653 |
| Core capital (leverage) ratio | 9.1082% | 4,541 |
| Tier 1 risk-based capital ratio | 12.2612% | 4,262 |
| Total risk-based capital ratio | 13.5160% | 4,126 |
| Memoranda: | ||
| Average total assets | $283,292,000 | 2,275 |
| Average earning assets | $268,049,330 | 2,246 |
| Average equity | $25,584,000 | 2,669 |
| Average total loans | $236,957,000 | 1,928 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6062% | 2,512 |
| Cost of funding earning assets | 0.4231% | 4,388 |
| Net interest margin | 4.1831% | 1,338 |
| Noninterest income to average assets | 0.3019% | 3,863 |
| Noninterest expense to average assets | 3.1910% | 1,517 |
| Loan and lease loss provision to assets | 0.1481% | 1,143 |
| Net operating income to assets | 0.6673% | 4,035 |
| Return on assets (ROA) | 0.6673% | 4,072 |
| Pretax return on assets | 0.9240% | 3,680 |
| Return on Equity (ROE) | 7.4581% | 3,475 |
| Retained earnings to average equity (ytd only) | 7.4581% | 1,862 |
| Net charge-offs to loans | -0.0017% | 3,839 |
| Credit loss provision to net charge-offs | -10,500.0000% | 4,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8511% | 1,631 |
| Assets per employee ($millions) | 3.8956% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4219% | 1,593 |
| Loan loss allowance to noncurrent loans | 147.6169% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.9642% | 1,456 |
| Noncurrent loans to loans | 0.9632% | 1,730 |
| Net loans and leases to total assets | 81.5459% | 638 |
| Net loans and leases to deposits | 90.2188% | 1,598 |
| Net loans and leases to core deposits | 94.8350% | 2,043 |
| Total domestic deposits to total assets | 90.3868% | 320 |
| Equity capital to assets | 9.0477% | 4,646 |
| Core capital (leverage) ratio | 9.1708% | 4,500 |
| Tier 1 risk-based capital ratio | 12.1214% | 4,398 |
| Total risk-based capital ratio | 13.3753% | 4,276 |
| Memoranda: | ||
| Average total assets | $283,550,000 | 2,291 |
| Average earning assets | $268,509,500 | 2,250 |
| Average equity | $25,368,500 | 2,684 |
| Average total loans | $237,701,500 | 1,935 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6291% | 2,053 |
| Cost of funding earning assets | 0.3502% | 4,280 |
| Net interest margin | 4.2790% | 1,202 |
| Noninterest income to average assets | 0.3928% | 3,480 |
| Noninterest expense to average assets | 3.3378% | 1,244 |
| Loan and lease loss provision to assets | 0.1997% | 949 |
| Net operating income to assets | 0.6786% | 4,209 |
| Return on assets (ROA) | 0.6786% | 4,214 |
| Pretax return on assets | 0.9327% | 3,808 |
| Return on Equity (ROE) | 7.6741% | 3,583 |
| Retained earnings to average equity (ytd only) | 4.7876% | 2,898 |
| Net charge-offs to loans | 0.0704% | 2,109 |
| Credit loss provision to net charge-offs | 329.3413% | 952 |
| Earnings coverage of net charge-offs (x) | 18.6766% | 2,119 |
| Efficiency ratio | 74.6670% | 1,542 |
| Assets per employee ($millions) | 3.7200% | 4,290 |
| Cash dividends to net income (ytd only)* | 37.6137% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 1,832 |
| Loan loss allowance to noncurrent loans | 87.5879% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 1.4693% | 803 |
| Noncurrent loans to loans | 1.5398% | 978 |
| Net loans and leases to total assets | 83.7998% | 432 |
| Net loans and leases to deposits | 92.6311% | 1,453 |
| Net loans and leases to core deposits | 97.4246% | 1,920 |
| Total domestic deposits to total assets | 90.4662% | 333 |
| Equity capital to assets | 8.8452% | 4,699 |
| Core capital (leverage) ratio | 8.9612% | 4,686 |
| Tier 1 risk-based capital ratio | 11.8837% | 4,506 |
| Total risk-based capital ratio | 13.1375% | 4,387 |
| Memoranda: | ||
| Average total assets | $275,423,800 | 2,293 |
| Average earning assets | $262,445,800 | 2,246 |
| Average equity | $24,354,800 | 2,695 |
| Average total loans | $237,333,600 | 1,898 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5232% | 2,216 |
| Cost of funding earning assets | 0.3252% | 4,347 |
| Net interest margin | 4.1980% | 1,362 |
| Noninterest income to average assets | 0.4854% | 2,945 |
| Noninterest expense to average assets | 3.3527% | 1,194 |
| Loan and lease loss provision to assets | 0.1901% | 935 |
| Net operating income to assets | 0.7022% | 4,217 |
| Return on assets (ROA) | 0.7022% | 4,226 |
| Pretax return on assets | 0.9439% | 3,889 |
| Return on Equity (ROE) | 7.9419% | 3,572 |
| Retained earnings to average equity (ytd only) | 5.9633% | 2,673 |
| Net charge-offs to loans | 0.0856% | 1,653 |
| Credit loss provision to net charge-offs | 256.5789% | 1,155 |
| Earnings coverage of net charge-offs (x) | 15.3093% | 2,236 |
| Efficiency ratio | 74.7258% | 1,489 |
| Assets per employee ($millions) | 3.9700% | 3,937 |
| Cash dividends to net income (ytd only)* | 24.9129% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2732% | 2,238 |
| Loan loss allowance to noncurrent loans | 96.7782% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 1.2885% | 1,066 |
| Noncurrent loans to loans | 1.3156% | 1,267 |
| Net loans and leases to total assets | 83.9311% | 463 |
| Net loans and leases to deposits | 92.5160% | 1,560 |
| Net loans and leases to core deposits | 97.3143% | 1,990 |
| Total domestic deposits to total assets | 90.7206% | 284 |
| Equity capital to assets | 8.6500% | 4,832 |
| Core capital (leverage) ratio | 8.9848% | 4,722 |
| Tier 1 risk-based capital ratio | 11.4111% | 4,842 |
| Total risk-based capital ratio | 12.6628% | 4,722 |
| Memoranda: | ||
| Average total assets | $273,600,000 | 2,316 |
| Average earning assets | $260,785,000 | 2,266 |
| Average equity | $24,191,750 | 2,720 |
| Average total loans | $236,627,750 | 1,912 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5061% | 2,076 |
| Cost of funding earning assets | 0.2966% | 4,439 |
| Net interest margin | 4.2095% | 1,267 |
| Noninterest income to average assets | 0.5224% | 2,735 |
| Noninterest expense to average assets | 3.4150% | 1,122 |
| Loan and lease loss provision to assets | 0.1892% | 927 |
| Net operating income to assets | 0.6998% | 4,194 |
| Return on assets (ROA) | 0.6998% | 4,201 |
| Pretax return on assets | 0.9417% | 3,836 |
| Return on Equity (ROE) | 7.8538% | 3,564 |
| Retained earnings to average equity (ytd only) | 4.8638% | 3,149 |
| Net charge-offs to loans | 0.1288% | 1,148 |
| Credit loss provision to net charge-offs | 168.8742% | 1,459 |
| Earnings coverage of net charge-offs (x) | 10.0927% | 2,354 |
| Efficiency ratio | 75.1224% | 1,542 |
| Assets per employee ($millions) | 3.8823% | 4,083 |
| Cash dividends to net income (ytd only)* | 38.0700% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2194% | 2,606 |
| Loan loss allowance to noncurrent loans | 77.7719% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 1.5444% | 853 |
| Noncurrent loans to loans | 1.5679% | 1,043 |
| Net loans and leases to total assets | 84.6056% | 392 |
| Net loans and leases to deposits | 93.1586% | 1,454 |
| Net loans and leases to core deposits | 97.2115% | 1,944 |
| Total domestic deposits to total assets | 90.8189% | 298 |
| Equity capital to assets | 8.5679% | 4,893 |
| Core capital (leverage) ratio | 9.0028% | 4,686 |
| Tier 1 risk-based capital ratio | 11.1510% | 4,967 |
| Total risk-based capital ratio | 12.4021% | 4,875 |
| Memoranda: | ||
| Average total assets | $269,520,670 | 2,355 |
| Average earning assets | $257,607,670 | 2,298 |
| Average equity | $24,014,000 | 2,750 |
| Average total loans | $234,503,330 | 1,922 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4800% | 1,924 |
| Cost of funding earning assets | 0.2788% | 4,516 |
| Net interest margin | 4.2012% | 1,177 |
| Noninterest income to average assets | 0.5256% | 2,654 |
| Noninterest expense to average assets | 3.4139% | 1,141 |
| Loan and lease loss provision to assets | 0.1828% | 933 |
| Net operating income to assets | 0.7099% | 4,065 |
| Return on assets (ROA) | 0.7099% | 4,073 |
| Pretax return on assets | 0.9689% | 3,638 |
| Return on Equity (ROE) | 7.8057% | 3,464 |
| Retained earnings to average equity (ytd only) | 1.8760% | 4,392 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7748% | 1,784 |
| Assets per employee ($millions) | 3.6924% | 4,424 |
| Cash dividends to net income (ytd only)* | 75.9657% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2563% | 2,481 |
| Loan loss allowance to noncurrent loans | 80.3456% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 1.5546% | 879 |
| Noncurrent loans to loans | 1.5636% | 1,118 |
| Net loans and leases to total assets | 87.9857% | 136 |
| Net loans and leases to deposits | 97.4987% | 909 |
| Net loans and leases to core deposits | 103.3939% | 1,424 |
| Total domestic deposits to total assets | 90.2430% | 569 |
| Equity capital to assets | 8.9596% | 4,601 |
| Core capital (leverage) ratio | 9.3082% | 4,314 |
| Tier 1 risk-based capital ratio | 11.3941% | 4,928 |
| Total risk-based capital ratio | 12.6461% | 4,826 |
| Memoranda: | ||
| Average total assets | $262,577,000 | 2,425 |
| Average earning assets | $252,499,500 | 2,350 |
| Average equity | $23,880,000 | 2,785 |
| Average total loans | $230,385,500 | 1,963 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4269% | 1,952 |
| Cost of funding earning assets | 0.2728% | 4,378 |
| Net interest margin | 4.1540% | 1,291 |
| Noninterest income to average assets | 0.4484% | 3,321 |
| Noninterest expense to average assets | 3.3391% | 1,305 |
| Loan and lease loss provision to assets | 0.2564% | 721 |
| Net operating income to assets | 0.5453% | 4,239 |
| Return on assets (ROA) | 0.5453% | 4,268 |
| Pretax return on assets | 0.8350% | 4,143 |
| Return on Equity (ROE) | 5.9295% | 3,794 |
| Retained earnings to average equity (ytd only) | 2.8776% | 3,587 |
| Net charge-offs to loans | 0.1026% | 2,043 |
| Credit loss provision to net charge-offs | 295.4955% | 958 |
| Earnings coverage of net charge-offs (x) | 12.5766% | 2,461 |
| Efficiency ratio | 75.3662% | 1,708 |
| Assets per employee ($millions) | 3.5521% | 4,634 |
| Cash dividends to net income (ytd only)* | 51.4695% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 2,339 |
| Loan loss allowance to noncurrent loans | 68.1786% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 1.7354% | 727 |
| Noncurrent loans to loans | 1.8710% | 843 |
| Net loans and leases to total assets | 85.2393% | 322 |
| Net loans and leases to deposits | 94.6619% | 1,201 |
| Net loans and leases to core deposits | 98.3159% | 1,840 |
| Total domestic deposits to total assets | 90.0460% | 553 |
| Equity capital to assets | 9.2328% | 4,495 |
| Core capital (leverage) ratio | 9.3928% | 4,169 |
| Tier 1 risk-based capital ratio | 11.8872% | 4,603 |
| Total risk-based capital ratio | 13.1390% | 4,483 |
| Memoranda: | ||
| Average total assets | $255,817,800 | 2,447 |
| Average earning assets | $245,230,600 | 2,379 |
| Average equity | $23,526,400 | 2,805 |
| Average total loans | $216,331,800 | 2,024 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4081% | 1,942 |
| Cost of funding earning assets | 0.2730% | 4,380 |
| Net interest margin | 4.1352% | 1,307 |
| Noninterest income to average assets | 0.3959% | 3,715 |
| Noninterest expense to average assets | 3.3172% | 1,305 |
| Loan and lease loss provision to assets | 0.1809% | 1,104 |
| Net operating income to assets | 0.5465% | 4,589 |
| Return on assets (ROA) | 0.5465% | 4,620 |
| Pretax return on assets | 0.8587% | 4,184 |
| Return on Equity (ROE) | 5.9485% | 4,147 |
| Retained earnings to average equity (ytd only) | 1.8899% | 4,679 |
| Net charge-offs to loans | 0.0616% | 2,234 |
| Credit loss provision to net charge-offs | 349.4949% | 867 |
| Earnings coverage of net charge-offs (x) | 20.0803% | 1,972 |
| Efficiency ratio | 76.1373% | 1,568 |
| Assets per employee ($millions) | 3.6334% | 4,540 |
| Cash dividends to net income (ytd only)* | 68.2294% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2049% | 2,907 |
| Loan loss allowance to noncurrent loans | 60.2347% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 1.8807% | 717 |
| Noncurrent loans to loans | 2.0003% | 852 |
| Net loans and leases to total assets | 83.6565% | 470 |
| Net loans and leases to deposits | 92.7188% | 1,455 |
| Net loans and leases to core deposits | 97.7594% | 1,904 |
| Total domestic deposits to total assets | 90.2260% | 401 |
| Equity capital to assets | 9.0442% | 4,878 |
| Core capital (leverage) ratio | 9.2668% | 4,445 |
| Tier 1 risk-based capital ratio | 11.7553% | 4,803 |
| Total risk-based capital ratio | 13.0061% | 4,672 |
| Memoranda: | ||
| Average total assets | $254,946,250 | 2,471 |
| Average earning assets | $244,209,000 | 2,405 |
| Average equity | $23,422,750 | 2,840 |
| Average total loans | $214,443,500 | 2,049 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3613% | 1,939 |
| Cost of funding earning assets | 0.2710% | 4,369 |
| Net interest margin | 4.0904% | 1,352 |
| Noninterest income to average assets | 0.4250% | 3,525 |
| Noninterest expense to average assets | 3.3111% | 1,353 |
| Loan and lease loss provision to assets | 0.1670% | 1,190 |
| Net operating income to assets | 0.5658% | 4,445 |
| Return on assets (ROA) | 0.5658% | 4,498 |
| Pretax return on assets | 0.8650% | 4,061 |
| Return on Equity (ROE) | 6.1259% | 3,993 |
| Retained earnings to average equity (ytd only) | 3.0072% | 3,925 |
| Net charge-offs to loans | 0.0934% | 1,686 |
| Credit loss provision to net charge-offs | 213.1313% | 1,215 |
| Earnings coverage of net charge-offs (x) | 13.1717% | 2,147 |
| Efficiency ratio | 76.2391% | 1,682 |
| Assets per employee ($millions) | 3.5951% | 4,584 |
| Cash dividends to net income (ytd only)* | 50.9091% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1672% | 3,205 |
| Loan loss allowance to noncurrent loans | 49.7741% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 2.0352% | 616 |
| Noncurrent loans to loans | 2.3450% | 671 |
| Net loans and leases to total assets | 82.8941% | 567 |
| Net loans and leases to deposits | 91.8575% | 1,515 |
| Net loans and leases to core deposits | 99.1163% | 1,716 |
| Total domestic deposits to total assets | 90.2421% | 449 |
| Equity capital to assets | 9.1587% | 4,751 |
| Core capital (leverage) ratio | 9.2823% | 4,380 |
| Tier 1 risk-based capital ratio | 11.9453% | 4,664 |
| Total risk-based capital ratio | 13.1959% | 4,560 |
| Memoranda: | ||
| Average total assets | $252,727,330 | 2,498 |
| Average earning assets | $242,081,670 | 2,429 |
| Average equity | $23,343,670 | 2,845 |
| Average total loans | $212,085,670 | 2,073 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4244% | 1,572 |
| Cost of funding earning assets | 0.2680% | 4,377 |
| Net interest margin | 4.1563% | 1,077 |
| Noninterest income to average assets | 0.3124% | 4,315 |
| Noninterest expense to average assets | 3.3533% | 1,279 |
| Loan and lease loss provision to assets | 0.1682% | 1,059 |
| Net operating income to assets | 0.5015% | 4,586 |
| Return on assets (ROA) | 0.5015% | 4,614 |
| Pretax return on assets | 0.7658% | 4,229 |
| Return on Equity (ROE) | 5.4054% | 4,192 |
| Retained earnings to average equity (ytd only) | -0.7081% | 5,031 |
| Net charge-offs to loans | 0.1870% | 910 |
| Credit loss provision to net charge-offs | 107.1429% | 1,498 |
| Earnings coverage of net charge-offs (x) | 5.9490% | 2,248 |
| Efficiency ratio | 78.2138% | 1,600 |
| Assets per employee ($millions) | 3.6222% | 4,611 |
| Cash dividends to net income (ytd only)* | 113.0990% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1369% | 3,478 |
| Loan loss allowance to noncurrent loans | 99.9177% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 1.0286% | 1,764 |
| Noncurrent loans to loans | 1.1379% | 1,790 |
| Net loans and leases to total assets | 83.3020% | 436 |
| Net loans and leases to deposits | 92.4584% | 1,274 |
| Net loans and leases to core deposits | 98.5590% | 1,614 |
| Total domestic deposits to total assets | 90.0967% | 617 |
| Equity capital to assets | 9.1370% | 4,674 |
| Core capital (leverage) ratio | 9.5223% | 4,100 |
| Tier 1 risk-based capital ratio | 11.8281% | 4,830 |
| Total risk-based capital ratio | 13.0664% | 4,743 |
| Memoranda: | ||
| Average total assets | $249,668,000 | 2,546 |
| Average earning assets | $238,767,500 | 2,479 |
| Average equity | $23,162,000 | 2,872 |
| Average total loans | $209,577,500 | 2,103 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4847% | 1,580 |
| Cost of funding earning assets | 0.2897% | 4,176 |
| Net interest margin | 4.1950% | 1,130 |
| Noninterest income to average assets | 0.3081% | 4,532 |
| Noninterest expense to average assets | 3.3757% | 1,412 |
| Loan and lease loss provision to assets | 0.2188% | 1,010 |
| Net operating income to assets | 0.4309% | 4,848 |
| Return on assets (ROA) | 0.4309% | 4,935 |
| Pretax return on assets | 0.7368% | 4,377 |
| Return on Equity (ROE) | 4.4350% | 4,688 |
| Retained earnings to average equity (ytd only) | 1.3849% | 4,717 |
| Net charge-offs to loans | 0.0736% | 2,648 |
| Credit loss provision to net charge-offs | 350.3356% | 876 |
| Earnings coverage of net charge-offs (x) | 15.3020% | 2,215 |
| Efficiency ratio | 77.9369% | 1,701 |
| Assets per employee ($millions) | 3.4140% | 4,881 |
| Cash dividends to net income (ytd only)* | 68.7743% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 3,250 |
| Loan loss allowance to noncurrent loans | 92.9394% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 1.1322% | 1,633 |
| Noncurrent loans to loans | 1.2680% | 1,615 |
| Net loans and leases to total assets | 82.6221% | 525 |
| Net loans and leases to deposits | 91.9047% | 1,468 |
| Net loans and leases to core deposits | 94.8407% | 2,025 |
| Total domestic deposits to total assets | 89.8998% | 680 |
| Equity capital to assets | 9.4086% | 4,364 |
| Core capital (leverage) ratio | 9.7585% | 3,797 |
| Tier 1 risk-based capital ratio | 12.3313% | 4,486 |
| Total risk-based capital ratio | 13.5819% | 4,375 |
| Memoranda: | ||
| Average total assets | $238,590,600 | 2,591 |
| Average earning assets | $228,821,800 | 2,525 |
| Average equity | $23,179,000 | 2,874 |
| Average total loans | $202,501,400 | 2,101 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5340% | 1,440 |
| Cost of funding earning assets | 0.2970% | 4,135 |
| Net interest margin | 4.2370% | 1,051 |
| Noninterest income to average assets | 0.3024% | 4,603 |
| Noninterest expense to average assets | 3.3757% | 1,394 |
| Loan and lease loss provision to assets | 0.2433% | 786 |
| Net operating income to assets | 0.4448% | 4,890 |
| Return on assets (ROA) | 0.4448% | 4,972 |
| Pretax return on assets | 0.7483% | 4,477 |
| Return on Equity (ROE) | 4.5417% | 4,703 |
| Retained earnings to average equity (ytd only) | 0.4771% | 5,233 |
| Net charge-offs to loans | 0.0681% | 2,353 |
| Credit loss provision to net charge-offs | 419.4175% | 812 |
| Earnings coverage of net charge-offs (x) | 17.0971% | 2,071 |
| Efficiency ratio | 77.2950% | 1,797 |
| Assets per employee ($millions) | 3.4226% | 4,881 |
| Cash dividends to net income (ytd only)* | 89.4931% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 3,299 |
| Loan loss allowance to noncurrent loans | 89.6006% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 1.1078% | 1,834 |
| Noncurrent loans to loans | 1.3281% | 1,667 |
| Net loans and leases to total assets | 82.4158% | 562 |
| Net loans and leases to deposits | 92.0738% | 1,490 |
| Net loans and leases to core deposits | 94.6259% | 2,138 |
| Total domestic deposits to total assets | 89.5106% | 666 |
| Equity capital to assets | 9.7022% | 4,464 |
| Core capital (leverage) ratio | 9.6755% | 3,967 |
| Tier 1 risk-based capital ratio | 12.4795% | 4,496 |
| Total risk-based capital ratio | 13.7298% | 4,386 |
| Memoranda: | ||
| Average total assets | $236,786,500 | 2,614 |
| Average earning assets | $227,168,000 | 2,547 |
| Average equity | $23,192,000 | 2,894 |
| Average total loans | $201,748,500 | 2,110 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5965% | 1,274 |
| Cost of funding earning assets | 0.3005% | 4,123 |
| Net interest margin | 4.2960% | 931 |
| Noninterest income to average assets | 0.2976% | 4,654 |
| Noninterest expense to average assets | 3.3834% | 1,405 |
| Loan and lease loss provision to assets | 0.2892% | 634 |
| Net operating income to assets | 0.5198% | 4,601 |
| Return on assets (ROA) | 0.5198% | 4,721 |
| Pretax return on assets | 0.7471% | 4,466 |
| Return on Equity (ROE) | 5.2903% | 4,390 |
| Retained earnings to average equity (ytd only) | 2.1921% | 4,476 |
| Net charge-offs to loans | 0.1749% | 1,291 |
| Credit loss provision to net charge-offs | 192.6554% | 1,337 |
| Earnings coverage of net charge-offs (x) | 6.9040% | 2,689 |
| Efficiency ratio | 76.5541% | 1,999 |
| Assets per employee ($millions) | 3.3296% | 5,017 |
| Cash dividends to net income (ytd only)* | 58.5644% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 3,837 |
| Loan loss allowance to noncurrent loans | 73.2539% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 1.2601% | 1,618 |
| Noncurrent loans to loans | 1.5294% | 1,420 |
| Net loans and leases to total assets | 81.4741% | 684 |
| Net loans and leases to deposits | 90.9642% | 1,637 |
| Net loans and leases to core deposits | 93.7048% | 2,196 |
| Total domestic deposits to total assets | 89.5672% | 650 |
| Equity capital to assets | 9.7867% | 4,464 |
| Core capital (leverage) ratio | 9.9340% | 3,645 |
| Tier 1 risk-based capital ratio | 12.7258% | 4,368 |
| Total risk-based capital ratio | 13.9434% | 4,297 |
| Memoranda: | ||
| Average total assets | $235,854,000 | 2,635 |
| Average earning assets | $226,303,330 | 2,566 |
| Average equity | $23,174,330 | 2,901 |
| Average total loans | $202,387,000 | 2,113 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6041% | 1,256 |
| Cost of funding earning assets | 0.3101% | 4,058 |
| Net interest margin | 4.2939% | 942 |
| Noninterest income to average assets | 0.2822% | 4,697 |
| Noninterest expense to average assets | 3.2679% | 1,673 |
| Loan and lease loss provision to assets | 0.4292% | 307 |
| Net operating income to assets | 0.3642% | 5,096 |
| Return on assets (ROA) | 0.3642% | 5,177 |
| Pretax return on assets | 0.7045% | 4,509 |
| Return on Equity (ROE) | 3.6994% | 4,995 |
| Retained earnings to average equity (ytd only) | -2.4489% | 5,428 |
| Net charge-offs to loans | 0.2910% | 730 |
| Credit loss provision to net charge-offs | 168.4564% | 1,196 |
| Earnings coverage of net charge-offs (x) | 4.4497% | 2,433 |
| Efficiency ratio | 74.2424% | 2,435 |
| Assets per employee ($millions) | 3.2290% | 5,230 |
| Cash dividends to net income (ytd only)* | 166.1972% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0587% | 4,294 |
| Loan loss allowance to noncurrent loans | 73.4130% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 1.3592% | 1,559 |
| Noncurrent loans to loans | 1.4422% | 1,645 |
| Net loans and leases to total assets | 87.6823% | 133 |
| Net loans and leases to deposits | 98.3685% | 733 |
| Net loans and leases to core deposits | 100.3670% | 1,452 |
| Total domestic deposits to total assets | 89.1366% | 1,028 |
| Equity capital to assets | 10.0316% | 4,038 |
| Core capital (leverage) ratio | 9.8903% | 3,673 |
| Tier 1 risk-based capital ratio | 12.0960% | 4,858 |
| Total risk-based capital ratio | 13.2407% | 4,839 |
| Memoranda: | ||
| Average total assets | $233,914,000 | 2,661 |
| Average earning assets | $224,410,000 | 2,589 |
| Average equity | $23,030,500 | 2,924 |
| Average total loans | $204,813,500 | 2,099 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6147% | 1,296 |
| Cost of funding earning assets | 0.3389% | 3,807 |
| Net interest margin | 4.2758% | 1,006 |
| Noninterest income to average assets | 0.2781% | 4,894 |
| Noninterest expense to average assets | 3.4011% | 1,484 |
| Loan and lease loss provision to assets | 0.1252% | 1,926 |
| Net operating income to assets | 0.5523% | 4,486 |
| Return on assets (ROA) | 0.5523% | 4,584 |
| Pretax return on assets | 0.8434% | 4,050 |
| Return on Equity (ROE) | 5.6134% | 4,227 |
| Retained earnings to average equity (ytd only) | 2.3042% | 4,419 |
| Net charge-offs to loans | 0.2733% | 1,110 |
| Credit loss provision to net charge-offs | 52.9197% | 3,365 |
| Earnings coverage of net charge-offs (x) | 4.0931% | 3,609 |
| Efficiency ratio | 77.8338% | 1,992 |
| Assets per employee ($millions) | 3.2681% | 5,193 |
| Cash dividends to net income (ytd only)* | 58.9523% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9924% | 4,657 |
| Loan loss allowance to noncurrent loans | 70.1712% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 1.3099% | 1,622 |
| Noncurrent loans to loans | 1.4143% | 1,651 |
| Net loans and leases to total assets | 85.6806% | 255 |
| Net loans and leases to deposits | 95.5294% | 1,063 |
| Net loans and leases to core deposits | 98.8806% | 1,603 |
| Total domestic deposits to total assets | 89.6903% | 756 |
| Equity capital to assets | 9.6671% | 4,347 |
| Core capital (leverage) ratio | 9.7159% | 3,886 |
| Tier 1 risk-based capital ratio | 11.9617% | 4,975 |
| Total risk-based capital ratio | 13.0349% | 5,000 |
| Memoranda: | ||
| Average total assets | $231,570,200 | 2,649 |
| Average earning assets | $221,597,000 | 2,569 |
| Average equity | $22,784,800 | 2,896 |
| Average total loans | $200,481,600 | 2,064 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6053% | 1,316 |
| Cost of funding earning assets | 0.3440% | 3,821 |
| Net interest margin | 4.2613% | 1,037 |
| Noninterest income to average assets | 0.2866% | 4,900 |
| Noninterest expense to average assets | 3.3214% | 1,646 |
| Loan and lease loss provision to assets | 0.0870% | 2,420 |
| Net operating income to assets | 0.6358% | 4,210 |
| Return on assets (ROA) | 0.6358% | 4,320 |
| Pretax return on assets | 0.9532% | 3,806 |
| Return on Equity (ROE) | 6.4331% | 3,944 |
| Retained earnings to average equity (ytd only) | 2.0074% | 4,878 |
| Net charge-offs to loans | 0.3484% | 757 |
| Credit loss provision to net charge-offs | 28.8462% | 3,285 |
| Earnings coverage of net charge-offs (x) | 3.4481% | 3,498 |
| Efficiency ratio | 76.1506% | 2,224 |
| Assets per employee ($millions) | 3.3082% | 5,109 |
| Cash dividends to net income (ytd only)* | 68.7956% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9348% | 5,049 |
| Loan loss allowance to noncurrent loans | 60.3615% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 1.3776% | 1,678 |
| Noncurrent loans to loans | 1.5487% | 1,613 |
| Net loans and leases to total assets | 84.9988% | 304 |
| Net loans and leases to deposits | 94.6761% | 1,119 |
| Net loans and leases to core deposits | 101.4556% | 1,415 |
| Total domestic deposits to total assets | 89.7785% | 664 |
| Equity capital to assets | 9.4737% | 4,783 |
| Core capital (leverage) ratio | 9.5945% | 4,171 |
| Tier 1 risk-based capital ratio | 11.8586% | 5,163 |
| Total risk-based capital ratio | 12.8735% | 5,236 |
| Memoranda: | ||
| Average total assets | $229,819,750 | 2,682 |
| Average earning assets | $219,770,750 | 2,608 |
| Average equity | $22,715,250 | 2,922 |
| Average total loans | $198,987,250 | 2,081 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6383% | 1,194 |
| Cost of funding earning assets | 0.3485% | 3,822 |
| Net interest margin | 4.2898% | 935 |
| Noninterest income to average assets | 0.2868% | 4,909 |
| Noninterest expense to average assets | 3.2701% | 1,788 |
| Loan and lease loss provision to assets | 0.0885% | 2,335 |
| Net operating income to assets | 0.6993% | 3,897 |
| Return on assets (ROA) | 0.6993% | 4,014 |
| Pretax return on assets | 1.0260% | 3,476 |
| Return on Equity (ROE) | 6.9724% | 3,625 |
| Retained earnings to average equity (ytd only) | 3.6539% | 3,699 |
| Net charge-offs to loans | 0.4994% | 497 |
| Credit loss provision to net charge-offs | 20.4082% | 3,016 |
| Earnings coverage of net charge-offs (x) | 2.5694% | 3,319 |
| Efficiency ratio | 74.5811% | 2,601 |
| Assets per employee ($millions) | 3.3010% | 5,163 |
| Cash dividends to net income (ytd only)* | 47.5949% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9375% | 5,154 |
| Loan loss allowance to noncurrent loans | 57.5158% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 1.5731% | 1,540 |
| Noncurrent loans to loans | 1.6301% | 1,603 |
| Net loans and leases to total assets | 86.4237% | 217 |
| Net loans and leases to deposits | 96.3625% | 927 |
| Net loans and leases to core deposits | 103.8057% | 1,202 |
| Total domestic deposits to total assets | 89.6861% | 795 |
| Equity capital to assets | 9.7546% | 4,339 |
| Core capital (leverage) ratio | 10.0106% | 3,582 |
| Tier 1 risk-based capital ratio | 12.0106% | 5,143 |
| Total risk-based capital ratio | 13.0251% | 5,202 |
| Memoranda: | ||
| Average total assets | $225,926,000 | 2,737 |
| Average earning assets | $215,812,330 | 2,658 |
| Average equity | $22,660,670 | 2,942 |
| Average total loans | $196,246,330 | 2,118 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5701% | 1,289 |
| Cost of funding earning assets | 0.3588% | 3,766 |
| Net interest margin | 4.2113% | 1,039 |
| Noninterest income to average assets | 0.2598% | 5,099 |
| Noninterest expense to average assets | 3.0744% | 2,344 |
| Loan and lease loss provision to assets | 0.0902% | 2,190 |
| Net operating income to assets | 0.7921% | 3,308 |
| Return on assets (ROA) | 0.7921% | 3,438 |
| Pretax return on assets | 1.1186% | 2,999 |
| Return on Equity (ROE) | 7.7837% | 3,078 |
| Retained earnings to average equity (ytd only) | 1.2943% | 4,965 |
| Net charge-offs to loans | 0.8744% | 273 |
| Credit loss provision to net charge-offs | 11.9048% | 2,423 |
| Earnings coverage of net charge-offs (x) | 1.5952% | 2,896 |
| Efficiency ratio | 71.7776% | 3,206 |
| Assets per employee ($millions) | 3.1713% | 5,449 |
| Cash dividends to net income (ytd only)* | 83.3713% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0067% | 4,980 |
| Loan loss allowance to noncurrent loans | 68.9324% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 1.4253% | 1,856 |
| Noncurrent loans to loans | 1.4605% | 1,946 |
| Net loans and leases to total assets | 85.7985% | 207 |
| Net loans and leases to deposits | 96.4145% | 801 |
| Net loans and leases to core deposits | 101.8851% | 1,187 |
| Total domestic deposits to total assets | 88.9892% | 1,278 |
| Equity capital to assets | 10.1928% | 3,888 |
| Core capital (leverage) ratio | 10.2293% | 3,307 |
| Tier 1 risk-based capital ratio | 12.5509% | 4,873 |
| Total risk-based capital ratio | 13.6378% | 4,895 |
| Memoranda: | ||
| Average total assets | $221,703,000 | 2,790 |
| Average earning assets | $211,811,000 | 2,713 |
| Average equity | $22,560,000 | 2,969 |
| Average total loans | $192,134,500 | 2,158 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7701% | 1,171 |
| Cost of funding earning assets | 0.3992% | 3,695 |
| Net interest margin | 4.3709% | 929 |
| Noninterest income to average assets | 0.3264% | 4,783 |
| Noninterest expense to average assets | 3.3903% | 1,717 |
| Loan and lease loss provision to assets | 0.0929% | 2,610 |
| Net operating income to assets | 0.5898% | 4,425 |
| Return on assets (ROA) | 0.5898% | 4,504 |
| Pretax return on assets | 1.0033% | 3,481 |
| Return on Equity (ROE) | 5.8646% | 4,218 |
| Retained earnings to average equity (ytd only) | 2.5018% | 4,454 |
| Net charge-offs to loans | 0.0252% | 4,326 |
| Credit loss provision to net charge-offs | 427.0833% | 609 |
| Earnings coverage of net charge-offs (x) | 50.3750% | 922 |
| Efficiency ratio | 75.5659% | 2,582 |
| Assets per employee ($millions) | 3.1169% | 5,539 |
| Cash dividends to net income (ytd only)* | 57.3405% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 3,984 |
| Loan loss allowance to noncurrent loans | 88.9017% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 1.2427% | 2,270 |
| Noncurrent loans to loans | 1.3525% | 2,176 |
| Net loans and leases to total assets | 85.6586% | 230 |
| Net loans and leases to deposits | 95.9875% | 900 |
| Net loans and leases to core deposits | 100.3616% | 1,372 |
| Total domestic deposits to total assets | 89.2393% | 1,099 |
| Equity capital to assets | 10.2347% | 3,816 |
| Core capital (leverage) ratio | 10.1672% | 3,350 |
| Tier 1 risk-based capital ratio | 12.8007% | 4,858 |
| Total risk-based capital ratio | 14.0518% | 4,768 |
| Memoranda: | ||
| Average total assets | $220,572,000 | 2,774 |
| Average earning assets | $209,933,600 | 2,710 |
| Average equity | $22,183,800 | 2,930 |
| Average total loans | $190,610,200 | 2,115 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7677% | 1,164 |
| Cost of funding earning assets | 0.4040% | 3,748 |
| Net interest margin | 4.3637% | 935 |
| Noninterest income to average assets | 0.3231% | 4,848 |
| Noninterest expense to average assets | 3.2953% | 1,910 |
| Loan and lease loss provision to assets | 0.0938% | 2,485 |
| Net operating income to assets | 0.6407% | 4,257 |
| Return on assets (ROA) | 0.6407% | 4,351 |
| Pretax return on assets | 1.0829% | 3,254 |
| Return on Equity (ROE) | 6.3984% | 4,028 |
| Retained earnings to average equity (ytd only) | 2.0120% | 5,044 |
| Net charge-offs to loans | 0.0336% | 3,812 |
| Credit loss provision to net charge-offs | 322.9167% | 864 |
| Earnings coverage of net charge-offs (x) | 40.5198% | 1,123 |
| Efficiency ratio | 73.6878% | 2,865 |
| Assets per employee ($millions) | 3.1365% | 5,532 |
| Cash dividends to net income (ytd only)* | 68.5558% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1775% | 4,349 |
| Loan loss allowance to noncurrent loans | 83.9658% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 1.2949% | 2,388 |
| Noncurrent loans to loans | 1.4023% | 2,313 |
| Net loans and leases to total assets | 86.2780% | 185 |
| Net loans and leases to deposits | 96.7392% | 823 |
| Net loans and leases to core deposits | 101.1907% | 1,275 |
| Total domestic deposits to total assets | 89.1862% | 1,134 |
| Equity capital to assets | 10.1794% | 3,958 |
| Core capital (leverage) ratio | 10.0907% | 3,538 |
| Tier 1 risk-based capital ratio | 12.8620% | 4,943 |
| Total risk-based capital ratio | 14.1126% | 4,863 |
| Memoranda: | ||
| Average total assets | $220,390,750 | 2,797 |
| Average earning assets | $209,542,000 | 2,731 |
| Average equity | $22,067,500 | 2,948 |
| Average total loans | $190,296,000 | 2,125 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7435% | 1,195 |
| Cost of funding earning assets | 0.4073% | 3,798 |
| Net interest margin | 4.3362% | 961 |
| Noninterest income to average assets | 0.2946% | 5,061 |
| Noninterest expense to average assets | 3.3734% | 1,745 |
| Loan and lease loss provision to assets | 0.0934% | 2,466 |
| Net operating income to assets | 0.5882% | 4,415 |
| Return on assets (ROA) | 0.5882% | 4,511 |
| Pretax return on assets | 0.9480% | 3,686 |
| Return on Equity (ROE) | 5.9071% | 4,207 |
| Retained earnings to average equity (ytd only) | 2.6304% | 4,527 |
| Net charge-offs to loans | 0.0453% | 3,332 |
| Credit loss provision to net charge-offs | 239.5349% | 1,021 |
| Earnings coverage of net charge-offs (x) | 26.7209% | 1,358 |
| Efficiency ratio | 76.4114% | 2,551 |
| Assets per employee ($millions) | 3.1571% | 5,493 |
| Cash dividends to net income (ytd only)* | 55.4700% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 4,670 |
| Loan loss allowance to noncurrent loans | 109.2437% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 0.9577% | 3,144 |
| Noncurrent loans to loans | 1.0506% | 3,128 |
| Net loans and leases to total assets | 83.7412% | 318 |
| Net loans and leases to deposits | 93.3085% | 1,025 |
| Net loans and leases to core deposits | 99.2047% | 1,342 |
| Total domestic deposits to total assets | 89.7466% | 935 |
| Equity capital to assets | 9.7950% | 4,363 |
| Core capital (leverage) ratio | 9.9864% | 3,632 |
| Tier 1 risk-based capital ratio | 12.6279% | 5,140 |
| Total risk-based capital ratio | 13.8779% | 5,077 |
| Memoranda: | ||
| Average total assets | $220,670,330 | 2,803 |
| Average earning assets | $209,677,670 | 2,743 |
| Average equity | $21,973,670 | 2,949 |
| Average total loans | $189,834,000 | 2,129 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7773% | 1,089 |
| Cost of funding earning assets | 0.4147% | 3,820 |
| Net interest margin | 4.3626% | 871 |
| Noninterest income to average assets | 0.2521% | 5,348 |
| Noninterest expense to average assets | 3.1304% | 2,438 |
| Loan and lease loss provision to assets | 0.0939% | 2,353 |
| Net operating income to assets | 0.6975% | 3,699 |
| Return on assets (ROA) | 0.6975% | 3,775 |
| Pretax return on assets | 1.1705% | 2,611 |
| Return on Equity (ROE) | 6.9452% | 3,506 |
| Retained earnings to average equity (ytd only) | 0.4398% | 5,404 |
| Net charge-offs to loans | -0.0021% | 4,707 |
| Credit loss provision to net charge-offs | -5,100.0000% | 5,601 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2312% | 3,623 |
| Assets per employee ($millions) | 3.0032% | 5,855 |
| Cash dividends to net income (ytd only)* | 93.6675% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 4,868 |
| Loan loss allowance to noncurrent loans | 92.3270% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 1.1581% | 2,948 |
| Noncurrent loans to loans | 1.2468% | 2,958 |
| Net loans and leases to total assets | 86.2493% | 136 |
| Net loans and leases to deposits | 97.3170% | 582 |
| Net loans and leases to core deposits | 102.1104% | 980 |
| Total domestic deposits to total assets | 88.6271% | 1,877 |
| Equity capital to assets | 9.9876% | 3,858 |
| Core capital (leverage) ratio | 10.1453% | 3,356 |
| Tier 1 risk-based capital ratio | 12.4963% | 5,316 |
| Total risk-based capital ratio | 13.7463% | 5,255 |
| Memoranda: | ||
| Average total assets | $217,350,000 | 2,857 |
| Average earning assets | $206,391,000 | 2,784 |
| Average equity | $21,828,000 | 2,961 |
| Average total loans | $188,469,500 | 2,149 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6766% | 1,631 |
| Cost of funding earning assets | 0.4568% | 4,049 |
| Net interest margin | 4.2197% | 1,297 |
| Noninterest income to average assets | 0.3762% | 4,620 |
| Noninterest expense to average assets | 3.3533% | 1,987 |
| Loan and lease loss provision to assets | 0.0869% | 3,367 |
| Net operating income to assets | 0.5951% | 4,285 |
| Return on assets (ROA) | 0.6007% | 4,375 |
| Pretax return on assets | 0.9465% | 3,573 |
| Return on Equity (ROE) | 6.0434% | 4,056 |
| Retained earnings to average equity (ytd only) | 2.5358% | 4,446 |
| Net charge-offs to loans | 0.0977% | 3,863 |
| Credit loss provision to net charge-offs | 109.8837% | 2,188 |
| Earnings coverage of net charge-offs (x) | 12.9535% | 2,078 |
| Efficiency ratio | 76.5942% | 2,693 |
| Assets per employee ($millions) | 2.9516% | 5,907 |
| Cash dividends to net income (ytd only)* | 58.0398% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1581% | 4,875 |
| Loan loss allowance to noncurrent loans | 121.5376% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.9718% | 3,476 |
| Noncurrent loans to loans | 0.9529% | 3,608 |
| Net loans and leases to total assets | 85.1639% | 194 |
| Net loans and leases to deposits | 95.2876% | 783 |
| Net loans and leases to core deposits | 98.7031% | 1,259 |
| Total domestic deposits to total assets | 89.3757% | 1,400 |
| Equity capital to assets | 10.0989% | 3,641 |
| Core capital (leverage) ratio | 10.1520% | 3,364 |
| Tier 1 risk-based capital ratio | 12.8995% | 5,051 |
| Total risk-based capital ratio | 14.1499% | 4,993 |
| Memoranda: | ||
| Average total assets | $217,429,000 | 2,833 |
| Average earning assets | $206,198,000 | 2,765 |
| Average equity | $21,610,400 | 2,970 |
| Average total loans | $176,105,600 | 2,238 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6395% | 1,775 |
| Cost of funding earning assets | 0.4650% | 4,115 |
| Net interest margin | 4.1745% | 1,408 |
| Noninterest income to average assets | 0.3806% | 4,671 |
| Noninterest expense to average assets | 3.2237% | 2,289 |
| Loan and lease loss provision to assets | 0.1144% | 2,858 |
| Net operating income to assets | 0.6308% | 4,212 |
| Return on assets (ROA) | 0.6308% | 4,334 |
| Pretax return on assets | 1.0028% | 3,493 |
| Return on Equity (ROE) | 6.3720% | 3,993 |
| Retained earnings to average equity (ytd only) | 1.6872% | 5,296 |
| Net charge-offs to loans | 0.1451% | 3,093 |
| Credit loss provision to net charge-offs | 98.9418% | 2,410 |
| Earnings coverage of net charge-offs (x) | 9.6615% | 2,454 |
| Efficiency ratio | 74.2636% | 3,021 |
| Assets per employee ($millions) | 2.9945% | 5,855 |
| Cash dividends to net income (ytd only)* | 73.5209% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2073% | 4,829 |
| Loan loss allowance to noncurrent loans | 66.4899% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 1.4662% | 2,743 |
| Noncurrent loans to loans | 1.8157% | 2,479 |
| Net loans and leases to total assets | 79.7745% | 573 |
| Net loans and leases to deposits | 89.1442% | 1,252 |
| Net loans and leases to core deposits | 92.3042% | 1,749 |
| Total domestic deposits to total assets | 89.4892% | 1,304 |
| Equity capital to assets | 9.8470% | 4,109 |
| Core capital (leverage) ratio | 10.0051% | 3,674 |
| Tier 1 risk-based capital ratio | 13.2433% | 4,951 |
| Total risk-based capital ratio | 14.4941% | 4,888 |
| Memoranda: | ||
| Average total assets | $217,919,250 | 2,855 |
| Average earning assets | $206,740,000 | 2,776 |
| Average equity | $21,573,000 | 3,007 |
| Average total loans | $173,719,250 | 2,269 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6333% | 1,748 |
| Cost of funding earning assets | 0.4748% | 4,148 |
| Net interest margin | 4.1585% | 1,383 |
| Noninterest income to average assets | 0.3886% | 4,607 |
| Noninterest expense to average assets | 3.2642% | 2,174 |
| Loan and lease loss provision to assets | 0.1139% | 2,913 |
| Net operating income to assets | 0.5999% | 4,281 |
| Return on assets (ROA) | 0.5999% | 4,464 |
| Pretax return on assets | 0.9536% | 3,700 |
| Return on Equity (ROE) | 6.0494% | 4,143 |
| Retained earnings to average equity (ytd only) | 2.3160% | 4,813 |
| Net charge-offs to loans | 0.2141% | 2,478 |
| Credit loss provision to net charge-offs | 67.0270% | 2,892 |
| Earnings coverage of net charge-offs (x) | 6.2811% | 2,743 |
| Efficiency ratio | 75.3552% | 2,889 |
| Assets per employee ($millions) | 2.9904% | 5,864 |
| Cash dividends to net income (ytd only)* | 61.7152% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1950% | 5,027 |
| Loan loss allowance to noncurrent loans | 62.7879% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 1.5291% | 2,814 |
| Noncurrent loans to loans | 1.9032% | 2,502 |
| Net loans and leases to total assets | 78.4801% | 700 |
| Net loans and leases to deposits | 87.6397% | 1,389 |
| Net loans and leases to core deposits | 90.7357% | 1,837 |
| Total domestic deposits to total assets | 89.5486% | 1,295 |
| Equity capital to assets | 9.8806% | 4,080 |
| Core capital (leverage) ratio | 10.0434% | 3,451 |
| Tier 1 risk-based capital ratio | 13.3911% | 4,845 |
| Total risk-based capital ratio | 14.6413% | 4,796 |
| Memoranda: | ||
| Average total assets | $217,694,000 | 2,875 |
| Average earning assets | $206,418,670 | 2,792 |
| Average equity | $21,589,000 | 3,028 |
| Average total loans | $172,787,670 | 2,281 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6148% | 1,784 |
| Cost of funding earning assets | 0.4856% | 4,230 |
| Net interest margin | 4.1292% | 1,379 |
| Noninterest income to average assets | 0.3993% | 4,461 |
| Noninterest expense to average assets | 3.0525% | 2,827 |
| Loan and lease loss provision to assets | 0.1141% | 2,809 |
| Net operating income to assets | 0.7470% | 3,450 |
| Return on assets (ROA) | 0.7470% | 3,586 |
| Pretax return on assets | 1.1445% | 2,792 |
| Return on Equity (ROE) | 7.5189% | 3,212 |
| Retained earnings to average equity (ytd only) | 1.1667% | 5,381 |
| Net charge-offs to loans | 0.4499% | 1,329 |
| Credit loss provision to net charge-offs | 31.9588% | 2,862 |
| Earnings coverage of net charge-offs (x) | 3.5258% | 2,750 |
| Efficiency ratio | 70.8067% | 3,820 |
| Assets per employee ($millions) | 2.9661% | 6,047 |
| Cash dividends to net income (ytd only)* | 84.4828% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1521% | 5,397 |
| Loan loss allowance to noncurrent loans | 51.7054% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 1.9203% | 2,449 |
| Noncurrent loans to loans | 2.2281% | 2,354 |
| Net loans and leases to total assets | 79.2913% | 494 |
| Net loans and leases to deposits | 88.9220% | 1,058 |
| Net loans and leases to core deposits | 91.9676% | 1,507 |
| Total domestic deposits to total assets | 89.1695% | 1,586 |
| Equity capital to assets | 9.9807% | 4,172 |
| Core capital (leverage) ratio | 10.0049% | 3,374 |
| Tier 1 risk-based capital ratio | 13.0157% | 5,207 |
| Total risk-based capital ratio | 14.2403% | 5,175 |
| Memoranda: | ||
| Average total assets | $217,393,000 | 2,909 |
| Average earning assets | $205,947,500 | 2,832 |
| Average equity | $21,599,000 | 3,073 |
| Average total loans | $172,486,000 | 2,297 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7515% | 2,391 |
| Cost of funding earning assets | 0.6540% | 3,880 |
| Net interest margin | 4.0975% | 2,016 |
| Noninterest income to average assets | 0.4623% | 4,155 |
| Noninterest expense to average assets | 3.3109% | 2,301 |
| Loan and lease loss provision to assets | 0.1137% | 4,218 |
| Net operating income to assets | 0.5982% | 4,245 |
| Return on assets (ROA) | 0.5982% | 4,507 |
| Pretax return on assets | 0.9095% | 3,889 |
| Return on Equity (ROE) | 6.0956% | 4,122 |
| Retained earnings to average equity (ytd only) | 2.7874% | 4,283 |
| Net charge-offs to loans | 0.1050% | 4,616 |
| Credit loss provision to net charge-offs | 140.3409% | 1,962 |
| Earnings coverage of net charge-offs (x) | 12.6250% | 1,907 |
| Efficiency ratio | 76.3918% | 2,677 |
| Assets per employee ($millions) | 2.9898% | 6,029 |
| Cash dividends to net income (ytd only)* | 54.2725% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2453% | 4,903 |
| Loan loss allowance to noncurrent loans | 51.8348% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 1.9385% | 2,526 |
| Noncurrent loans to loans | 2.4024% | 2,224 |
| Net loans and leases to total assets | 77.5001% | 730 |
| Net loans and leases to deposits | 86.5143% | 1,443 |
| Net loans and leases to core deposits | 89.5130% | 1,890 |
| Total domestic deposits to total assets | 89.5807% | 1,204 |
| Equity capital to assets | 9.8905% | 4,328 |
| Core capital (leverage) ratio | 9.7978% | 3,661 |
| Tier 1 risk-based capital ratio | 13.3176% | 4,887 |
| Total risk-based capital ratio | 14.5686% | 4,828 |
| Memoranda: | ||
| Average total assets | $217,162,200 | 2,868 |
| Average earning assets | $205,198,000 | 2,803 |
| Average equity | $21,310,400 | 3,064 |
| Average total loans | $167,675,400 | 2,331 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7532% | 2,567 |
| Cost of funding earning assets | 0.6919% | 3,840 |
| Net interest margin | 4.0613% | 2,248 |
| Noninterest income to average assets | 0.3941% | 4,681 |
| Noninterest expense to average assets | 3.1714% | 2,659 |
| Loan and lease loss provision to assets | 0.1137% | 4,143 |
| Net operating income to assets | 0.6049% | 4,374 |
| Return on assets (ROA) | 0.6049% | 4,636 |
| Pretax return on assets | 0.9449% | 3,938 |
| Return on Equity (ROE) | 6.1765% | 4,245 |
| Retained earnings to average equity (ytd only) | 1.7575% | 5,450 |
| Net charge-offs to loans | 0.1351% | 4,039 |
| Credit loss provision to net charge-offs | 109.4675% | 2,684 |
| Earnings coverage of net charge-offs (x) | 10.1892% | 2,218 |
| Efficiency ratio | 74.9746% | 2,831 |
| Assets per employee ($millions) | 3.0629% | 5,943 |
| Cash dividends to net income (ytd only)* | 71.5443% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2383% | 5,102 |
| Loan loss allowance to noncurrent loans | 59.3545% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 1.6152% | 3,170 |
| Noncurrent loans to loans | 2.0863% | 2,757 |
| Net loans and leases to total assets | 75.1532% | 1,096 |
| Net loans and leases to deposits | 83.8407% | 1,887 |
| Net loans and leases to core deposits | 86.6555% | 2,383 |
| Total domestic deposits to total assets | 89.6380% | 1,052 |
| Equity capital to assets | 9.6918% | 4,933 |
| Core capital (leverage) ratio | 9.7198% | 3,923 |
| Tier 1 risk-based capital ratio | 13.3915% | 4,956 |
| Total risk-based capital ratio | 14.6425% | 4,916 |
| Memoranda: | ||
| Average total assets | $216,888,000 | 2,895 |
| Average earning assets | $204,853,500 | 2,821 |
| Average equity | $21,241,250 | 3,097 |
| Average total loans | $166,773,250 | 2,376 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8376% | 2,350 |
| Cost of funding earning assets | 0.7313% | 3,753 |
| Net interest margin | 4.1063% | 2,065 |
| Noninterest income to average assets | 0.4043% | 4,618 |
| Noninterest expense to average assets | 3.1844% | 2,647 |
| Loan and lease loss provision to assets | 0.1697% | 3,407 |
| Net operating income to assets | 0.5981% | 4,376 |
| Return on assets (ROA) | 0.5981% | 4,633 |
| Pretax return on assets | 0.9190% | 4,009 |
| Return on Equity (ROE) | 6.0857% | 4,284 |
| Retained earnings to average equity (ytd only) | 2.6796% | 4,838 |
| Net charge-offs to loans | -0.0084% | 6,248 |
| Credit loss provision to net charge-offs | -2,614.2857% | 6,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5226% | 2,988 |
| Assets per employee ($millions) | 2.9784% | 6,106 |
| Cash dividends to net income (ytd only)* | 55.9690% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3735% | 4,558 |
| Loan loss allowance to noncurrent loans | 65.4651% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 1.6212% | 3,294 |
| Noncurrent loans to loans | 2.0980% | 2,824 |
| Net loans and leases to total assets | 74.3769% | 1,198 |
| Net loans and leases to deposits | 82.9430% | 1,989 |
| Net loans and leases to core deposits | 85.7599% | 2,461 |
| Total domestic deposits to total assets | 89.6723% | 1,112 |
| Equity capital to assets | 9.8204% | 4,592 |
| Core capital (leverage) ratio | 9.7618% | 3,765 |
| Tier 1 risk-based capital ratio | 13.8622% | 4,546 |
| Total risk-based capital ratio | 15.1153% | 4,521 |
| Memoranda: | ||
| Average total assets | $215,675,000 | 2,920 |
| Average earning assets | $203,202,000 | 2,840 |
| Average equity | $21,197,330 | 3,094 |
| Average total loans | $166,427,330 | 2,386 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9686% | 1,999 |
| Cost of funding earning assets | 0.7691% | 3,704 |
| Net interest margin | 4.1994% | 1,759 |
| Noninterest income to average assets | 0.4153% | 4,556 |
| Noninterest expense to average assets | 2.9851% | 3,308 |
| Loan and lease loss provision to assets | 0.1155% | 3,909 |
| Net operating income to assets | 0.8845% | 2,996 |
| Return on assets (ROA) | 0.8845% | 3,215 |
| Pretax return on assets | 1.2700% | 2,649 |
| Return on Equity (ROE) | 8.9962% | 2,837 |
| Retained earnings to average equity (ytd only) | 2.2538% | 5,130 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3000% | 4,118 |
| Assets per employee ($millions) | 2.9918% | 6,168 |
| Cash dividends to net income (ytd only)* | 74.9474% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 5,105 |
| Loan loss allowance to noncurrent loans | 62.3789% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 1.6202% | 3,417 |
| Noncurrent loans to loans | 2.0533% | 3,084 |
| Net loans and leases to total assets | 75.9970% | 796 |
| Net loans and leases to deposits | 84.8917% | 1,547 |
| Net loans and leases to core deposits | 87.4755% | 2,119 |
| Total domestic deposits to total assets | 89.5224% | 1,360 |
| Equity capital to assets | 9.8305% | 4,333 |
| Core capital (leverage) ratio | 9.8732% | 3,536 |
| Tier 1 risk-based capital ratio | 13.5780% | 4,768 |
| Total risk-based capital ratio | 14.8297% | 4,757 |
| Memoranda: | ||
| Average total assets | $214,800,000 | 2,945 |
| Average earning assets | $202,312,500 | 2,869 |
| Average equity | $21,120,000 | 3,094 |
| Average total loans | $167,658,000 | 2,391 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3325% | 1,615 |
| Cost of funding earning assets | 0.9576% | 3,667 |
| Net interest margin | 4.3748% | 1,465 |
| Noninterest income to average assets | 0.5514% | 3,495 |
| Noninterest expense to average assets | 3.4055% | 2,224 |
| Loan and lease loss provision to assets | 0.1529% | 4,713 |
| Net operating income to assets | 0.7379% | 3,303 |
| Return on assets (ROA) | 0.7379% | 3,473 |
| Pretax return on assets | 1.1136% | 2,785 |
| Return on Equity (ROE) | 7.6533% | 3,075 |
| Retained earnings to average equity (ytd only) | 3.9064% | 3,432 |
| Net charge-offs to loans | 0.1905% | 4,620 |
| Credit loss provision to net charge-offs | 99.0937% | 3,614 |
| Earnings coverage of net charge-offs (x) | 8.2085% | 2,188 |
| Efficiency ratio | 72.8923% | 3,412 |
| Assets per employee ($millions) | 2.7817% | 6,483 |
| Cash dividends to net income (ytd only)* | 48.9577% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 5,313 |
| Loan loss allowance to noncurrent loans | 62.8084% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 1.6047% | 3,546 |
| Noncurrent loans to loans | 1.9370% | 3,291 |
| Net loans and leases to total assets | 78.1665% | 693 |
| Net loans and leases to deposits | 87.3137% | 1,473 |
| Net loans and leases to core deposits | 89.7297% | 2,159 |
| Total domestic deposits to total assets | 89.5237% | 1,250 |
| Equity capital to assets | 9.8343% | 4,395 |
| Core capital (leverage) ratio | 9.6425% | 3,810 |
| Tier 1 risk-based capital ratio | 13.2469% | 4,877 |
| Total risk-based capital ratio | 14.4977% | 4,858 |
| Memoranda: | ||
| Average total assets | $214,534,200 | 2,898 |
| Average earning assets | $202,064,600 | 2,825 |
| Average equity | $20,684,000 | 3,044 |
| Average total loans | $173,731,000 | 2,334 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3719% | 1,599 |
| Cost of funding earning assets | 0.9810% | 3,813 |
| Net interest margin | 4.3909% | 1,432 |
| Noninterest income to average assets | 0.5405% | 3,581 |
| Noninterest expense to average assets | 3.2776% | 2,569 |
| Loan and lease loss provision to assets | 0.1137% | 5,002 |
| Net operating income to assets | 0.8443% | 2,966 |
| Return on assets (ROA) | 0.8443% | 3,115 |
| Pretax return on assets | 1.2841% | 2,347 |
| Return on Equity (ROE) | 8.8006% | 2,690 |
| Retained earnings to average equity (ytd only) | 4.2675% | 3,693 |
| Net charge-offs to loans | 0.1548% | 4,530 |
| Credit loss provision to net charge-offs | 90.1478% | 3,766 |
| Earnings coverage of net charge-offs (x) | 11.0838% | 1,844 |
| Efficiency ratio | 70.1036% | 3,946 |
| Assets per employee ($millions) | 2.9578% | 6,213 |
| Cash dividends to net income (ytd only)* | 51.5086% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1871% | 5,518 |
| Loan loss allowance to noncurrent loans | 67.4695% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 1.5075% | 3,855 |
| Noncurrent loans to loans | 1.7594% | 3,693 |
| Net loans and leases to total assets | 78.8385% | 622 |
| Net loans and leases to deposits | 87.8762% | 1,447 |
| Net loans and leases to core deposits | 90.1343% | 2,231 |
| Total domestic deposits to total assets | 89.7154% | 1,030 |
| Equity capital to assets | 9.6714% | 4,823 |
| Core capital (leverage) ratio | 9.7397% | 3,789 |
| Tier 1 risk-based capital ratio | 12.8263% | 5,222 |
| Total risk-based capital ratio | 14.0767% | 5,204 |
| Memoranda: | ||
| Average total assets | $214,620,500 | 2,904 |
| Average earning assets | $202,109,000 | 2,831 |
| Average equity | $20,589,000 | 3,063 |
| Average total loans | $174,792,250 | 2,328 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4799% | 1,345 |
| Cost of funding earning assets | 1.0020% | 3,933 |
| Net interest margin | 4.4778% | 1,183 |
| Noninterest income to average assets | 0.5136% | 3,756 |
| Noninterest expense to average assets | 3.3653% | 2,354 |
| Loan and lease loss provision to assets | 0.1149% | 4,851 |
| Net operating income to assets | 0.8693% | 2,774 |
| Return on assets (ROA) | 0.8693% | 2,867 |
| Pretax return on assets | 1.2438% | 2,332 |
| Return on Equity (ROE) | 9.0868% | 2,474 |
| Retained earnings to average equity (ytd only) | 5.6707% | 2,610 |
| Net charge-offs to loans | 0.1571% | 4,241 |
| Credit loss provision to net charge-offs | 89.1304% | 3,477 |
| Earnings coverage of net charge-offs (x) | 10.5435% | 1,794 |
| Efficiency ratio | 71.2394% | 3,892 |
| Assets per employee ($millions) | 2.9044% | 6,295 |
| Cash dividends to net income (ytd only)* | 37.5940% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 5,629 |
| Loan loss allowance to noncurrent loans | 94.4700% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 1.2376% | 4,426 |
| Noncurrent loans to loans | 1.2504% | 4,568 |
| Net loans and leases to total assets | 80.8853% | 458 |
| Net loans and leases to deposits | 90.1859% | 1,249 |
| Net loans and leases to core deposits | 92.5503% | 2,068 |
| Total domestic deposits to total assets | 89.6873% | 1,126 |
| Equity capital to assets | 9.8128% | 4,374 |
| Core capital (leverage) ratio | 9.7788% | 3,551 |
| Tier 1 risk-based capital ratio | 12.9410% | 4,963 |
| Total risk-based capital ratio | 14.1918% | 4,944 |
| Memoranda: | ||
| Average total assets | $214,188,670 | 2,923 |
| Average earning assets | $201,392,330 | 2,855 |
| Average equity | $20,491,330 | 3,063 |
| Average total loans | $175,633,000 | 2,342 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4711% | 1,379 |
| Cost of funding earning assets | 1.0240% | 4,035 |
| Net interest margin | 4.4471% | 1,180 |
| Noninterest income to average assets | 0.5091% | 3,809 |
| Noninterest expense to average assets | 3.1922% | 2,922 |
| Loan and lease loss provision to assets | 0.1133% | 4,602 |
| Net operating income to assets | 1.0517% | 1,994 |
| Return on assets (ROA) | 1.0517% | 2,046 |
| Pretax return on assets | 1.3917% | 1,747 |
| Return on Equity (ROE) | 11.1338% | 1,698 |
| Retained earnings to average equity (ytd only) | 4.3473% | 3,561 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9589% | 4,658 |
| Assets per employee ($millions) | 2.8576% | 6,426 |
| Cash dividends to net income (ytd only)* | 60.9541% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 5,554 |
| Loan loss allowance to noncurrent loans | 80.2264% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 1.4678% | 4,056 |
| Noncurrent loans to loans | 1.5156% | 4,202 |
| Net loans and leases to total assets | 81.6784% | 370 |
| Net loans and leases to deposits | 91.3003% | 1,083 |
| Net loans and leases to core deposits | 93.8431% | 1,903 |
| Total domestic deposits to total assets | 89.4612% | 1,504 |
| Equity capital to assets | 9.6682% | 4,223 |
| Core capital (leverage) ratio | 9.5841% | 3,677 |
| Tier 1 risk-based capital ratio | 12.7034% | 5,061 |
| Total risk-based capital ratio | 13.9547% | 5,038 |
| Memoranda: | ||
| Average total assets | $215,273,000 | 2,933 |
| Average earning assets | $202,739,500 | 2,862 |
| Average equity | $20,334,500 | 3,066 |
| Average total loans | $176,678,000 | 2,351 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8765% | 1,090 |
| Cost of funding earning assets | 1.1681% | 4,749 |
| Net interest margin | 4.7084% | 802 |
| Noninterest income to average assets | 0.2565% | 5,967 |
| Noninterest expense to average assets | 3.3734% | 2,516 |
| Loan and lease loss provision to assets | 0.1209% | 5,951 |
| Net operating income to assets | 0.7167% | 3,162 |
| Return on assets (ROA) | 0.7167% | 3,292 |
| Pretax return on assets | 1.1761% | 2,306 |
| Return on Equity (ROE) | 7.8763% | 2,748 |
| Retained earnings to average equity (ytd only) | 4.3533% | 2,794 |
| Net charge-offs to loans | 0.1482% | 5,467 |
| Credit loss provision to net charge-offs | 94.9640% | 4,895 |
| Earnings coverage of net charge-offs (x) | 10.1871% | 1,743 |
| Efficiency ratio | 72.2298% | 3,744 |
| Assets per employee ($millions) | 3.1751% | 5,728 |
| Cash dividends to net income (ytd only)* | 44.7284% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 5,708 |
| Loan loss allowance to noncurrent loans | 72.7369% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 1.6551% | 3,819 |
| Noncurrent loans to loans | 1.5904% | 4,113 |
| Net loans and leases to total assets | 80.5382% | 593 |
| Net loans and leases to deposits | 89.4800% | 1,592 |
| Net loans and leases to core deposits | 94.0503% | 2,249 |
| Total domestic deposits to total assets | 90.0068% | 1,097 |
| Equity capital to assets | 9.2313% | 4,789 |
| Core capital (leverage) ratio | 9.2146% | 4,148 |
| Tier 1 risk-based capital ratio | 12.2482% | 5,260 |
| Total risk-based capital ratio | 13.4987% | 5,225 |
| Memoranda: | ||
| Average total assets | $218,354,000 | 2,891 |
| Average earning assets | $204,696,200 | 2,809 |
| Average equity | $19,869,800 | 3,166 |
| Average total loans | $187,607,000 | 2,269 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9339% | 1,066 |
| Cost of funding earning assets | 1.2009% | 4,864 |
| Net interest margin | 4.7331% | 777 |
| Noninterest income to average assets | 0.5286% | 3,951 |
| Noninterest expense to average assets | 3.2695% | 2,675 |
| Loan and lease loss provision to assets | 0.1607% | 5,426 |
| Net operating income to assets | 0.9442% | 2,435 |
| Return on assets (ROA) | 0.9442% | 2,566 |
| Pretax return on assets | 1.5327% | 1,524 |
| Return on Equity (ROE) | 10.4136% | 1,970 |
| Retained earnings to average equity (ytd only) | 5.6955% | 2,547 |
| Net charge-offs to loans | 0.1510% | 5,099 |
| Credit loss provision to net charge-offs | 122.3256% | 3,360 |
| Earnings coverage of net charge-offs (x) | 12.8883% | 1,643 |
| Efficiency ratio | 65.8786% | 4,889 |
| Assets per employee ($millions) | 3.0811% | 5,965 |
| Cash dividends to net income (ytd only)* | 45.3074% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 5,810 |
| Loan loss allowance to noncurrent loans | 51.1544% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 2.4708% | 2,896 |
| Noncurrent loans to loans | 2.2098% | 3,432 |
| Net loans and leases to total assets | 85.0406% | 259 |
| Net loans and leases to deposits | 94.3942% | 1,158 |
| Net loans and leases to core deposits | 99.7860% | 1,868 |
| Total domestic deposits to total assets | 90.0909% | 832 |
| Equity capital to assets | 9.2540% | 5,220 |
| Core capital (leverage) ratio | 9.3061% | 4,202 |
| Tier 1 risk-based capital ratio | 11.5460% | 5,884 |
| Total risk-based capital ratio | 12.7843% | 5,883 |
| Memoranda: | ||
| Average total assets | $218,172,500 | 2,944 |
| Average earning assets | $204,401,250 | 2,865 |
| Average equity | $19,781,250 | 3,219 |
| Average total loans | $189,881,750 | 2,291 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9167% | 1,143 |
| Cost of funding earning assets | 1.2443% | 4,870 |
| Net interest margin | 4.6724% | 861 |
| Noninterest income to average assets | 0.4716% | 4,346 |
| Noninterest expense to average assets | 3.1912% | 2,930 |
| Loan and lease loss provision to assets | 0.1936% | 4,943 |
| Net operating income to assets | 0.9240% | 2,456 |
| Return on assets (ROA) | 0.9240% | 2,556 |
| Pretax return on assets | 1.4625% | 1,662 |
| Return on Equity (ROE) | 10.2614% | 2,004 |
| Retained earnings to average equity (ytd only) | 6.6439% | 1,992 |
| Net charge-offs to loans | 0.0525% | 5,650 |
| Credit loss provision to net charge-offs | 422.0000% | 861 |
| Earnings coverage of net charge-offs (x) | 36.1000% | 799 |
| Efficiency ratio | 65.8338% | 5,015 |
| Assets per employee ($millions) | 3.1040% | 5,914 |
| Cash dividends to net income (ytd only)* | 35.2532% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1706% | 5,600 |
| Loan loss allowance to noncurrent loans | 55.9301% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 2.4172% | 2,973 |
| Noncurrent loans to loans | 2.0930% | 3,596 |
| Net loans and leases to total assets | 87.0354% | 170 |
| Net loans and leases to deposits | 97.0352% | 953 |
| Net loans and leases to core deposits | 102.8560% | 1,749 |
| Total domestic deposits to total assets | 89.6947% | 1,075 |
| Equity capital to assets | 9.2279% | 5,105 |
| Core capital (leverage) ratio | 9.2453% | 4,220 |
| Tier 1 risk-based capital ratio | 11.3579% | 5,901 |
| Total risk-based capital ratio | 12.6088% | 5,884 |
| Memoranda: | ||
| Average total assets | $217,977,000 | 2,963 |
| Average earning assets | $204,135,000 | 2,885 |
| Average equity | $19,627,000 | 3,228 |
| Average total loans | $190,455,330 | 2,307 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8341% | 1,364 |
| Cost of funding earning assets | 1.3332% | 4,606 |
| Net interest margin | 4.5009% | 1,142 |
| Noninterest income to average assets | 0.4635% | 4,348 |
| Noninterest expense to average assets | 3.1806% | 2,938 |
| Loan and lease loss provision to assets | 0.3847% | 3,056 |
| Net operating income to assets | 0.6834% | 3,507 |
| Return on assets (ROA) | 0.6834% | 3,626 |
| Pretax return on assets | 1.1103% | 2,699 |
| Return on Equity (ROE) | 7.6846% | 3,030 |
| Retained earnings to average equity (ytd only) | 0.5769% | 5,596 |
| Net charge-offs to loans | 0.0147% | 5,379 |
| Credit loss provision to net charge-offs | 3,000.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 116.5714% | 278 |
| Efficiency ratio | 68.0251% | 4,718 |
| Assets per employee ($millions) | 2.9542% | 6,323 |
| Cash dividends to net income (ytd only)* | 92.4933% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 5,506 |
| Loan loss allowance to noncurrent loans | 53.2929% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 2.5638% | 2,837 |
| Noncurrent loans to loans | 2.2502% | 3,458 |
| Net loans and leases to total assets | 87.1806% | 160 |
| Net loans and leases to deposits | 97.1904% | 980 |
| Net loans and leases to core deposits | 102.3072% | 1,870 |
| Total domestic deposits to total assets | 89.7008% | 1,137 |
| Equity capital to assets | 9.0087% | 5,268 |
| Core capital (leverage) ratio | 8.9089% | 4,715 |
| Tier 1 risk-based capital ratio | 11.0737% | 6,093 |
| Total risk-based capital ratio | 12.3246% | 6,058 |
| Memoranda: | ||
| Average total assets | $218,327,000 | 3,011 |
| Average earning assets | $204,315,500 | 2,934 |
| Average equity | $19,415,500 | 3,277 |
| Average total loans | $190,009,000 | 2,374 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1030% | 1,509 |
| Cost of funding earning assets | 1.6339% | 4,869 |
| Net interest margin | 4.4691% | 1,244 |
| Noninterest income to average assets | 0.5886% | 3,727 |
| Noninterest expense to average assets | 3.4297% | 2,584 |
| Loan and lease loss provision to assets | 0.2383% | 5,468 |
| Net operating income to assets | 0.7012% | 2,928 |
| Return on assets (ROA) | 0.7012% | 2,996 |
| Pretax return on assets | 1.1239% | 2,176 |
| Return on Equity (ROE) | 8.1492% | 2,310 |
| Retained earnings to average equity (ytd only) | 4.4691% | 2,123 |
| Net charge-offs to loans | 0.2034% | 5,363 |
| Credit loss provision to net charge-offs | 134.1026% | 3,714 |
| Earnings coverage of net charge-offs (x) | 7.6667% | 2,097 |
| Efficiency ratio | 71.5725% | 4,337 |
| Assets per employee ($millions) | 3.0273% | 6,153 |
| Cash dividends to net income (ytd only)* | 45.1592% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0958% | 5,918 |
| Loan loss allowance to noncurrent loans | 94.2857% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 1.5620% | 4,035 |
| Noncurrent loans to loans | 1.1622% | 5,004 |
| Net loans and leases to total assets | 84.9088% | 361 |
| Net loans and leases to deposits | 93.6497% | 1,647 |
| Net loans and leases to core deposits | 107.5866% | 3,148 |
| Total domestic deposits to total assets | 90.6663% | 673 |
| Equity capital to assets | 8.7798% | 5,471 |
| Core capital (leverage) ratio | 8.8010% | 4,767 |
| Tier 1 risk-based capital ratio | 11.1040% | 5,828 |
| Total risk-based capital ratio | 12.3193% | 5,816 |
| Memoranda: | ||
| Average total assets | $219,495,600 | 2,951 |
| Average earning assets | $206,440,800 | 2,881 |
| Average equity | $18,885,200 | 3,358 |
| Average total loans | $191,744,000 | 2,384 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0925% | 1,677 |
| Cost of funding earning assets | 1.6848% | 4,979 |
| Net interest margin | 4.4076% | 1,422 |
| Noninterest income to average assets | 0.6395% | 3,426 |
| Noninterest expense to average assets | 3.2590% | 3,083 |
| Loan and lease loss provision to assets | 0.1655% | 5,700 |
| Net operating income to assets | 0.9030% | 2,413 |
| Return on assets (ROA) | 0.9030% | 2,481 |
| Pretax return on assets | 1.3697% | 1,771 |
| Return on Equity (ROE) | 10.5494% | 1,749 |
| Retained earnings to average equity (ytd only) | 5.6088% | 2,153 |
| Net charge-offs to loans | 0.0881% | 5,806 |
| Credit loss provision to net charge-offs | 214.1732% | 2,051 |
| Earnings coverage of net charge-offs (x) | 19.8661% | 1,263 |
| Efficiency ratio | 67.9782% | 4,981 |
| Assets per employee ($millions) | 3.0273% | 6,090 |
| Cash dividends to net income (ytd only)* | 46.8326% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0877% | 5,802 |
| Loan loss allowance to noncurrent loans | 88.4144% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 1.2711% | 4,527 |
| Noncurrent loans to loans | 1.2302% | 4,895 |
| Net loans and leases to total assets | 86.0431% | 340 |
| Net loans and leases to deposits | 94.9141% | 1,728 |
| Net loans and leases to core deposits | 109.5157% | 3,292 |
| Total domestic deposits to total assets | 90.6536% | 534 |
| Equity capital to assets | 8.7418% | 5,891 |
| Core capital (leverage) ratio | 8.7250% | 5,087 |
| Tier 1 risk-based capital ratio | 10.8138% | 6,140 |
| Total risk-based capital ratio | 12.0074% | 6,166 |
| Memoranda: | ||
| Average total assets | $219,120,500 | 2,972 |
| Average earning assets | $206,545,500 | 2,899 |
| Average equity | $18,755,750 | 3,408 |
| Average total loans | $192,249,000 | 2,403 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0659% | 1,924 |
| Cost of funding earning assets | 1.7334% | 5,101 |
| Net interest margin | 4.3325% | 1,570 |
| Noninterest income to average assets | 0.4980% | 4,459 |
| Noninterest expense to average assets | 3.2330% | 3,224 |
| Loan and lease loss provision to assets | 0.2471% | 4,605 |
| Net operating income to assets | 0.6948% | 3,278 |
| Return on assets (ROA) | 0.6948% | 3,387 |
| Pretax return on assets | 1.1039% | 2,624 |
| Return on Equity (ROE) | 8.1754% | 2,703 |
| Retained earnings to average equity (ytd only) | 4.4593% | 2,810 |
| Net charge-offs to loans | 0.0468% | 5,823 |
| Credit loss provision to net charge-offs | 600.0000% | 765 |
| Earnings coverage of net charge-offs (x) | 32.8000% | 939 |
| Efficiency ratio | 70.5272% | 4,675 |
| Assets per employee ($millions) | 3.0706% | 5,948 |
| Cash dividends to net income (ytd only)* | 45.4545% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1281% | 5,399 |
| Loan loss allowance to noncurrent loans | 65.8677% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 1.4909% | 4,001 |
| Noncurrent loans to loans | 1.7127% | 3,940 |
| Net loans and leases to total assets | 86.0661% | 371 |
| Net loans and leases to deposits | 94.7830% | 1,979 |
| Net loans and leases to core deposits | 111.2479% | 3,231 |
| Total domestic deposits to total assets | 90.8033% | 519 |
| Equity capital to assets | 8.5109% | 6,030 |
| Core capital (leverage) ratio | 8.5562% | 5,345 |
| Tier 1 risk-based capital ratio | 10.6777% | 6,207 |
| Total risk-based capital ratio | 11.9248% | 6,143 |
| Memoranda: | ||
| Average total assets | $218,495,670 | 2,997 |
| Average earning assets | $206,070,670 | 2,922 |
| Average equity | $18,568,000 | 3,455 |
| Average total loans | $192,251,330 | 2,432 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0627% | 2,100 |
| Cost of funding earning assets | 1.7961% | 5,131 |
| Net interest margin | 4.2666% | 1,686 |
| Noninterest income to average assets | 0.4899% | 4,410 |
| Noninterest expense to average assets | 3.1104% | 3,340 |
| Loan and lease loss provision to assets | 0.3352% | 3,310 |
| Net operating income to assets | 0.6851% | 3,633 |
| Return on assets (ROA) | 0.6851% | 3,817 |
| Pretax return on assets | 1.0644% | 3,129 |
| Return on Equity (ROE) | 8.0677% | 3,117 |
| Retained earnings to average equity (ytd only) | 0.5856% | 5,423 |
| Net charge-offs to loans | 0.0604% | 4,620 |
| Credit loss provision to net charge-offs | 627.5862% | 908 |
| Earnings coverage of net charge-offs (x) | 26.2069% | 1,184 |
| Efficiency ratio | 68.9669% | 4,779 |
| Assets per employee ($millions) | 2.8811% | 6,456 |
| Cash dividends to net income (ytd only)* | 92.7419% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 5,609 |
| Loan loss allowance to noncurrent loans | 72.1554% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 1.3285% | 4,008 |
| Noncurrent loans to loans | 1.4971% | 4,044 |
| Net loans and leases to total assets | 87.7825% | 284 |
| Net loans and leases to deposits | 96.7699% | 1,827 |
| Net loans and leases to core deposits | 114.1360% | 2,998 |
| Total domestic deposits to total assets | 90.7127% | 505 |
| Equity capital to assets | 8.4173% | 6,206 |
| Core capital (leverage) ratio | 8.6099% | 5,321 |
| Tier 1 risk-based capital ratio | 10.3595% | 6,535 |
| Total risk-based capital ratio | 11.5544% | 6,517 |
| Memoranda: | ||
| Average total assets | $217,203,500 | 3,031 |
| Average earning assets | $204,660,000 | 2,954 |
| Average equity | $18,444,000 | 3,492 |
| Average total loans | $192,154,000 | 2,446 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5723% | 2,614 |
| Cost of funding earning assets | 2.2365% | 5,432 |
| Net interest margin | 4.3358% | 1,868 |
| Noninterest income to average assets | 0.4942% | 4,652 |
| Noninterest expense to average assets | 3.3806% | 2,733 |
| Loan and lease loss provision to assets | 0.0329% | 6,995 |
| Net operating income to assets | 0.7006% | 3,890 |
| Return on assets (ROA) | 0.7006% | 3,726 |
| Pretax return on assets | 1.1425% | 2,864 |
| Return on Equity (ROE) | 8.3460% | 2,915 |
| Retained earnings to average equity (ytd only) | 3.1697% | 3,179 |
| Net charge-offs to loans | 0.0381% | 6,265 |
| Credit loss provision to net charge-offs | 97.2603% | 5,471 |
| Earnings coverage of net charge-offs (x) | 34.7945% | 1,046 |
| Efficiency ratio | 74.2027% | 3,538 |
| Assets per employee ($millions) | 2.7621% | 6,652 |
| Cash dividends to net income (ytd only)* | 62.0211% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0242% | 5,827 |
| Loan loss allowance to noncurrent loans | 77.4682% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 1.1660% | 3,928 |
| Noncurrent loans to loans | 1.3221% | 3,868 |
| Net loans and leases to total assets | 87.2857% | 443 |
| Net loans and leases to deposits | 96.2281% | 2,414 |
| Net loans and leases to core deposits | 112.0185% | 3,564 |
| Total domestic deposits to total assets | 90.7070% | 423 |
| Equity capital to assets | 8.5670% | 5,984 |
| Core capital (leverage) ratio | 8.4585% | 5,642 |
| Tier 1 risk-based capital ratio | 10.5993% | 6,103 |
| Total risk-based capital ratio | 11.7362% | 6,105 |
| Memoranda: | ||
| Average total assets | $216,112,400 | 2,923 |
| Average earning assets | $202,455,800 | 2,871 |
| Average equity | $18,140,400 | 3,539 |
| Average total loans | $191,663,200 | 2,376 |