Home > The First National Bank of Grayson > Performance and Condition Ratios
The First National Bank of Grayson, 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 | 4.8253% | 2,426 |
| Cost of funding earning assets | 0.8219% | 3,676 |
| Net interest margin | 4.0034% | 1,202 |
| Noninterest income to average assets | 1.0000% | 640 |
| Noninterest expense to average assets | 2.7722% | 1,572 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.5029% | 1,011 |
| Return on assets (ROA) | 1.5026% | 984 |
| Pretax return on assets | 1.9580% | 712 |
| Return on Equity (ROE) | 16.0700% | 1,084 |
| Retained earnings to average equity (ytd only) | 8.3279% | 1,452 |
| Net charge-offs to loans | 0.0875% | 993 |
| Credit loss provision to net charge-offs | 87.7193% | 1,965 |
| Earnings coverage of net charge-offs (x) | 38.3743% | 1,469 |
| Efficiency ratio | 57.9193% | 3,303 |
| Assets per employee ($millions) | 3.7906% | 4,222 |
| Cash dividends to net income (ytd only)* | 48.1707% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1548% | 2,530 |
| Loan loss allowance to noncurrent loans | 173.4912% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.4150% | 1,343 |
| Noncurrent loans to loans | 0.6656% | 1,178 |
| Net loans and leases to total assets | 60.3300% | 2,815 |
| Net loans and leases to deposits | 68.0262% | 3,030 |
| Net loans and leases to core deposits | 73.6746% | 3,091 |
| Total domestic deposits to total assets | 88.6900% | 1,161 |
| Equity capital to assets | 10.0730% | 1,964 |
| Core capital (leverage) ratio | 12.3729% | 1,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $327,424,600 | 2,280 |
| Average earning assets | $308,789,200 | 2,254 |
| Average equity | $30,620,000 | 2,240 |
| Average total loans | $195,328,000 | 2,315 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7470% | 2,379 |
| Cost of funding earning assets | 0.7570% | 3,642 |
| Net interest margin | 3.9899% | 1,235 |
| Noninterest income to average assets | 1.0100% | 629 |
| Noninterest expense to average assets | 2.7199% | 1,605 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.5262% | 1,069 |
| Return on assets (ROA) | 1.5262% | 1,058 |
| Pretax return on assets | 2.0474% | 716 |
| Return on Equity (ROE) | 16.6300% | 1,145 |
| Retained earnings to average equity (ytd only) | 16.0025% | 460 |
| Net charge-offs to loans | 0.0410% | 1,300 |
| Credit loss provision to net charge-offs | 36.6667% | 1,947 |
| Earnings coverage of net charge-offs (x) | 84.5000% | 1,016 |
| Efficiency ratio | 56.8274% | 3,326 |
| Assets per employee ($millions) | 3.6109% | 4,292 |
| Cash dividends to net income (ytd only)* | 3.8002% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 2,669 |
| Loan loss allowance to noncurrent loans | 214.8713% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.3389% | 1,673 |
| Noncurrent loans to loans | 0.5310% | 1,495 |
| Net loans and leases to total assets | 61.4600% | 2,708 |
| Net loans and leases to deposits | 68.7664% | 2,925 |
| Net loans and leases to core deposits | 71.5802% | 3,122 |
| Total domestic deposits to total assets | 89.3700% | 1,129 |
| Equity capital to assets | 9.8638% | 1,905 |
| Core capital (leverage) ratio | 12.4838% | 1,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $328,731,000 | 2,276 |
| Average earning assets | $309,972,250 | 2,248 |
| Average equity | $30,161,250 | 2,245 |
| Average total loans | $194,995,000 | 2,320 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5872% | 2,440 |
| Cost of funding earning assets | 0.6836% | 3,531 |
| Net interest margin | 3.9037% | 1,422 |
| Noninterest income to average assets | 1.0000% | 566 |
| Noninterest expense to average assets | 2.6421% | 1,817 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5356% | 1,044 |
| Return on assets (ROA) | 1.5356% | 1,036 |
| Pretax return on assets | 2.0374% | 705 |
| Return on Equity (ROE) | 17.1500% | 1,077 |
| Retained earnings to average equity (ytd only) | 16.5080% | 428 |
| Net charge-offs to loans | 0.0319% | 1,252 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 109.2258% | 889 |
| Efficiency ratio | 56.3328% | 3,374 |
| Assets per employee ($millions) | 3.9627% | 4,195 |
| Cash dividends to net income (ytd only)* | 3.7226% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1537% | 2,694 |
| Loan loss allowance to noncurrent loans | 173.7894% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.4133% | 1,291 |
| Noncurrent loans to loans | 0.6639% | 1,122 |
| Net loans and leases to total assets | 57.5100% | 3,005 |
| Net loans and leases to deposits | 63.5811% | 3,223 |
| Net loans and leases to core deposits | 65.6459% | 3,370 |
| Total domestic deposits to total assets | 90.4500% | 798 |
| Equity capital to assets | 9.1343% | 2,420 |
| Core capital (leverage) ratio | 11.9059% | 1,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $332,388,333 | 2,269 |
| Average earning assets | $313,653,000 | 2,241 |
| Average equity | $29,767,333 | 2,270 |
| Average total loans | $194,147,000 | 2,327 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4729% | 2,384 |
| Cost of funding earning assets | 0.6111% | 3,346 |
| Net interest margin | 3.8618% | 1,556 |
| Noninterest income to average assets | 1.0000% | 575 |
| Noninterest expense to average assets | 2.4909% | 2,273 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6258% | 937 |
| Return on assets (ROA) | 1.6258% | 939 |
| Pretax return on assets | 2.1553% | 610 |
| Return on Equity (ROE) | 18.3400% | 983 |
| Retained earnings to average equity (ytd only) | 17.6851% | 542 |
| Net charge-offs to loans | 0.0455% | 900 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 80.8636% | 888 |
| Efficiency ratio | 53.4811% | 3,655 |
| Assets per employee ($millions) | 3.8066% | 4,325 |
| Cash dividends to net income (ytd only)* | 3.5768% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1683% | 2,723 |
| Loan loss allowance to noncurrent loans | 213.5466% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 1,472 |
| Noncurrent loans to loans | 0.5471% | 1,352 |
| Net loans and leases to total assets | 57.9900% | 2,873 |
| Net loans and leases to deposits | 64.1892% | 3,068 |
| Net loans and leases to core deposits | 65.7393% | 3,247 |
| Total domestic deposits to total assets | 90.3300% | 1,039 |
| Equity capital to assets | 9.1723% | 2,391 |
| Core capital (leverage) ratio | 11.5861% | 1,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $330,167,500 | 2,312 |
| Average earning assets | $311,567,500 | 2,286 |
| Average equity | $29,267,500 | 2,320 |
| Average total loans | $193,235,000 | 2,356 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7501% | 2,406 |
| Cost of funding earning assets | 0.2540% | 3,288 |
| Net interest margin | 3.4960% | 1,945 |
| Noninterest income to average assets | 0.9900% | 658 |
| Noninterest expense to average assets | 2.5323% | 2,019 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.2961% | 1,447 |
| Return on assets (ROA) | 1.2961% | 1,407 |
| Pretax return on assets | 1.7188% | 883 |
| Return on Equity (ROE) | 13.6000% | 1,626 |
| Retained earnings to average equity (ytd only) | 0.6413% | 4,252 |
| Net charge-offs to loans | 0.0515% | 1,152 |
| Credit loss provision to net charge-offs | 172.3404% | 1,209 |
| Earnings coverage of net charge-offs (x) | 63.0638% | 1,220 |
| Efficiency ratio | 58.7672% | 3,223 |
| Assets per employee ($millions) | 3.7835% | 4,353 |
| Cash dividends to net income (ytd only)* | 95.2852% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1318% | 2,728 |
| Loan loss allowance to noncurrent loans | 191.1248% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.3910% | 1,308 |
| Noncurrent loans to loans | 0.5922% | 1,263 |
| Net loans and leases to total assets | 57.7200% | 2,842 |
| Net loans and leases to deposits | 64.2501% | 3,022 |
| Net loans and leases to core deposits | 65.1584% | 3,187 |
| Total domestic deposits to total assets | 89.8400% | 1,436 |
| Equity capital to assets | 8.5547% | 2,673 |
| Core capital (leverage) ratio | 11.0394% | 1,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $335,466,000 | 2,276 |
| Average earning assets | $317,275,400 | 2,254 |
| Average equity | $31,965,600 | 2,243 |
| Average total loans | $182,455,000 | 2,355 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5383% | 2,493 |
| Cost of funding earning assets | 0.2069% | 3,194 |
| Net interest margin | 3.3314% | 2,196 |
| Noninterest income to average assets | 0.9900% | 677 |
| Noninterest expense to average assets | 2.4938% | 2,029 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.1951% | 1,710 |
| Return on assets (ROA) | 1.1951% | 1,688 |
| Pretax return on assets | 1.5903% | 1,141 |
| Return on Equity (ROE) | 12.2400% | 1,957 |
| Retained earnings to average equity (ytd only) | 11.6572% | 872 |
| Net charge-offs to loans | 0.0555% | 929 |
| Credit loss provision to net charge-offs | 205.3333% | 968 |
| Earnings coverage of net charge-offs (x) | 55.6533% | 1,226 |
| Efficiency ratio | 60.0305% | 3,109 |
| Assets per employee ($millions) | 3.9599% | 4,339 |
| Cash dividends to net income (ytd only)* | 4.7335% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1522% | 2,783 |
| Loan loss allowance to noncurrent loans | 147.5034% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.4673% | 1,158 |
| Noncurrent loans to loans | 0.7811% | 1,034 |
| Net loans and leases to total assets | 55.7200% | 2,929 |
| Net loans and leases to deposits | 61.5142% | 3,068 |
| Net loans and leases to core deposits | 62.4653% | 3,219 |
| Total domestic deposits to total assets | 90.5800% | 1,411 |
| Equity capital to assets | 9.0242% | 2,198 |
| Core capital (leverage) ratio | 11.3425% | 1,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $337,041,250 | 2,290 |
| Average earning assets | $319,016,250 | 2,256 |
| Average equity | $32,917,250 | 2,235 |
| Average total loans | $180,026,000 | 2,375 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2987% | 2,744 |
| Cost of funding earning assets | 0.1541% | 3,522 |
| Net interest margin | 3.1446% | 2,386 |
| Noninterest income to average assets | 0.9888% | 688 |
| Noninterest expense to average assets | 2.5066% | 1,909 |
| Loan and lease loss provision to assets | 0.0374% | 1,918 |
| Net operating income to assets | 1.0611% | 1,936 |
| Return on assets (ROA) | 1.0611% | 1,904 |
| Pretax return on assets | 1.4223% | 1,379 |
| Return on Equity (ROE) | 10.5969% | 2,137 |
| Retained earnings to average equity (ytd only) | 10.0282% | 1,011 |
| Net charge-offs to loans | 0.0464% | 930 |
| Credit loss provision to net charge-offs | 153.6585% | 1,081 |
| Earnings coverage of net charge-offs (x) | 60.0244% | 1,077 |
| Efficiency ratio | 63.0627% | 2,910 |
| Assets per employee ($millions) | 3.8551% | 4,431 |
| Cash dividends to net income (ytd only)* | 5.3661% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 2,791 |
| Loan loss allowance to noncurrent loans | 141.5559% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.4702% | 1,210 |
| Noncurrent loans to loans | 0.8343% | 1,022 |
| Net loans and leases to total assets | 52.5119% | 3,108 |
| Net loans and leases to deposits | 58.2930% | 3,197 |
| Net loans and leases to core deposits | 59.3459% | 3,316 |
| Total domestic deposits to total assets | 90.0826% | 1,677 |
| Equity capital to assets | 9.5572% | 1,973 |
| Core capital (leverage) ratio | 11.2356% | 1,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $337,190,000 | 2,298 |
| Average earning assets | $319,273,333 | 2,276 |
| Average equity | $33,764,667 | 2,238 |
| Average total loans | $176,792,000 | 2,401 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1735% | 2,766 |
| Cost of funding earning assets | 0.1218% | 3,880 |
| Net interest margin | 3.0517% | 2,320 |
| Noninterest income to average assets | 0.9817% | 700 |
| Noninterest expense to average assets | 2.4215% | 2,099 |
| Loan and lease loss provision to assets | 0.0750% | 1,103 |
| Net operating income to assets | 1.0317% | 1,752 |
| Return on assets (ROA) | 1.0317% | 1,742 |
| Pretax return on assets | 1.3767% | 1,307 |
| Return on Equity (ROE) | 10.0710% | 1,942 |
| Retained earnings to average equity (ytd only) | 9.5134% | 1,144 |
| Net charge-offs to loans | 0.0754% | 617 |
| Credit loss provision to net charge-offs | 190.9091% | 792 |
| Earnings coverage of net charge-offs (x) | 36.9697% | 1,038 |
| Efficiency ratio | 62.3656% | 3,220 |
| Assets per employee ($millions) | 3.9559% | 4,422 |
| Cash dividends to net income (ytd only)* | 5.5363% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 2,753 |
| Loan loss allowance to noncurrent loans | 148.5059% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.4230% | 1,435 |
| Noncurrent loans to loans | 0.8221% | 1,147 |
| Net loans and leases to total assets | 50.8205% | 3,090 |
| Net loans and leases to deposits | 56.5551% | 3,213 |
| Net loans and leases to core deposits | 57.5738% | 3,339 |
| Total domestic deposits to total assets | 89.8602% | 1,651 |
| Equity capital to assets | 9.7447% | 2,093 |
| Core capital (leverage) ratio | 11.2098% | 1,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $336,159,500 | 2,318 |
| Average earning assets | $318,515,500 | 2,293 |
| Average equity | $34,435,500 | 2,274 |
| Average total loans | $175,050,000 | 2,417 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4648% | 2,763 |
| Cost of funding earning assets | 0.1162% | 4,264 |
| Net interest margin | 3.3485% | 2,172 |
| Noninterest income to average assets | 1.0755% | 892 |
| Noninterest expense to average assets | 2.5780% | 1,928 |
| Loan and lease loss provision to assets | 0.0353% | 2,348 |
| Net operating income to assets | 1.2372% | 1,786 |
| Return on assets (ROA) | 1.2372% | 1,847 |
| Pretax return on assets | 1.6397% | 1,312 |
| Return on Equity (ROE) | 11.5033% | 1,987 |
| Retained earnings to average equity (ytd only) | 10.2732% | 849 |
| Net charge-offs to loans | 0.0163% | 1,971 |
| Credit loss provision to net charge-offs | 407.1429% | 901 |
| Earnings coverage of net charge-offs (x) | 193.0714% | 558 |
| Efficiency ratio | 60.4765% | 3,086 |
| Assets per employee ($millions) | 3.4959% | 4,586 |
| Cash dividends to net income (ytd only)* | 10.6937% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 2,870 |
| Loan loss allowance to noncurrent loans | 192.5960% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.3294% | 1,918 |
| Noncurrent loans to loans | 0.6249% | 1,587 |
| Net loans and leases to total assets | 52.0791% | 3,056 |
| Net loans and leases to deposits | 58.7756% | 3,188 |
| Net loans and leases to core deposits | 59.8393% | 3,326 |
| Total domestic deposits to total assets | 88.6066% | 1,734 |
| Equity capital to assets | 10.7550% | 1,972 |
| Core capital (leverage) ratio | 11.0002% | 1,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $322,732,800 | 2,330 |
| Average earning assets | $306,253,000 | 2,298 |
| Average equity | $34,711,800 | 2,305 |
| Average total loans | $171,277,400 | 2,453 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4323% | 3,007 |
| Cost of funding earning assets | 0.1200% | 4,352 |
| Net interest margin | 3.3122% | 2,382 |
| Noninterest income to average assets | 1.0703% | 963 |
| Noninterest expense to average assets | 2.5639% | 1,947 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2376% | 2,031 |
| Return on assets (ROA) | 1.2376% | 2,093 |
| Pretax return on assets | 1.6525% | 1,546 |
| Return on Equity (ROE) | 11.5068% | 2,210 |
| Retained earnings to average equity (ytd only) | 11.3211% | 989 |
| Net charge-offs to loans | 0.0055% | 2,128 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 567.2857% | 265 |
| Efficiency ratio | 60.6692% | 2,882 |
| Assets per employee ($millions) | 3.3581% | 4,682 |
| Cash dividends to net income (ytd only)* | 1.6140% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1855% | 3,052 |
| Loan loss allowance to noncurrent loans | 169.5286% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.3610% | 1,996 |
| Noncurrent loans to loans | 0.6993% | 1,586 |
| Net loans and leases to total assets | 51.0102% | 3,299 |
| Net loans and leases to deposits | 57.4882% | 3,448 |
| Net loans and leases to core deposits | 58.7057% | 3,571 |
| Total domestic deposits to total assets | 88.7317% | 1,439 |
| Equity capital to assets | 10.8429% | 2,133 |
| Core capital (leverage) ratio | 11.0298% | 1,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $320,387,500 | 2,367 |
| Average earning assets | $304,319,000 | 2,337 |
| Average equity | $34,460,000 | 2,345 |
| Average total loans | $170,329,500 | 2,497 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3222% | 3,371 |
| Cost of funding earning assets | 0.1254% | 4,386 |
| Net interest margin | 3.1967% | 2,768 |
| Noninterest income to average assets | 1.0684% | 963 |
| Noninterest expense to average assets | 2.6162% | 1,817 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1106% | 2,506 |
| Return on assets (ROA) | 1.1106% | 2,565 |
| Pretax return on assets | 1.4867% | 2,058 |
| Return on Equity (ROE) | 10.3547% | 2,638 |
| Retained earnings to average equity (ytd only) | 10.3547% | 1,299 |
| Net charge-offs to loans | -0.0106% | 3,686 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6266% | 2,478 |
| Assets per employee ($millions) | 3.1392% | 4,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2077% | 2,888 |
| Loan loss allowance to noncurrent loans | 136.4247% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.4647% | 1,800 |
| Noncurrent loans to loans | 0.8852% | 1,391 |
| Net loans and leases to total assets | 51.8621% | 3,356 |
| Net loans and leases to deposits | 58.4298% | 3,504 |
| Net loans and leases to core deposits | 59.7740% | 3,632 |
| Total domestic deposits to total assets | 88.7596% | 1,411 |
| Equity capital to assets | 10.8625% | 2,097 |
| Core capital (leverage) ratio | 10.6303% | 1,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $317,486,333 | 2,372 |
| Average earning assets | $301,369,000 | 2,339 |
| Average equity | $34,052,333 | 2,354 |
| Average total loans | $170,478,000 | 2,507 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3591% | 3,313 |
| Cost of funding earning assets | 0.1333% | 4,432 |
| Net interest margin | 3.2258% | 2,615 |
| Noninterest income to average assets | 1.0932% | 991 |
| Noninterest expense to average assets | 2.4572% | 2,308 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2856% | 1,871 |
| Return on assets (ROA) | 1.2856% | 1,941 |
| Pretax return on assets | 1.6980% | 1,494 |
| Return on Equity (ROE) | 12.0638% | 1,989 |
| Retained earnings to average equity (ytd only) | 12.0638% | 1,126 |
| Net charge-offs to loans | -0.0513% | 4,404 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9829% | 3,161 |
| Assets per employee ($millions) | 3.2675% | 4,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 3,039 |
| Loan loss allowance to noncurrent loans | 133.0078% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.4748% | 1,965 |
| Noncurrent loans to loans | 0.8869% | 1,526 |
| Net loans and leases to total assets | 52.9089% | 3,357 |
| Net loans and leases to deposits | 59.4071% | 3,529 |
| Net loans and leases to core deposits | 60.7380% | 3,656 |
| Total domestic deposits to total assets | 89.0617% | 1,309 |
| Equity capital to assets | 10.4991% | 2,275 |
| Core capital (leverage) ratio | 10.9168% | 1,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9932% | 3,059 |
| Memoranda: | ||
| Average total assets | $316,128,000 | 2,367 |
| Average earning assets | $300,081,500 | 2,330 |
| Average equity | $33,687,500 | 2,366 |
| Average total loans | $171,670,000 | 2,504 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1025% | 2,415 |
| Cost of funding earning assets | 0.2360% | 4,438 |
| Net interest margin | 3.8665% | 1,316 |
| Noninterest income to average assets | 1.1650% | 807 |
| Noninterest expense to average assets | 2.8906% | 1,709 |
| Loan and lease loss provision to assets | 0.0672% | 3,539 |
| Net operating income to assets | 1.4764% | 863 |
| Return on assets (ROA) | 1.4764% | 937 |
| Pretax return on assets | 1.8633% | 595 |
| Return on Equity (ROE) | 12.7361% | 1,110 |
| Retained earnings to average equity (ytd only) | 8.4578% | 916 |
| Net charge-offs to loans | 0.0263% | 2,510 |
| Credit loss provision to net charge-offs | 427.2727% | 1,374 |
| Earnings coverage of net charge-offs (x) | 122.7045% | 695 |
| Efficiency ratio | 59.8161% | 3,488 |
| Assets per employee ($millions) | 3.2502% | 4,739 |
| Cash dividends to net income (ytd only)* | 33.5917% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1878% | 3,013 |
| Loan loss allowance to noncurrent loans | 132.6986% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.4932% | 2,086 |
| Noncurrent loans to loans | 0.8951% | 1,574 |
| Net loans and leases to total assets | 54.4493% | 3,451 |
| Net loans and leases to deposits | 61.7074% | 3,626 |
| Net loans and leases to core deposits | 63.4891% | 3,731 |
| Total domestic deposits to total assets | 88.2378% | 1,355 |
| Equity capital to assets | 10.8210% | 2,411 |
| Core capital (leverage) ratio | 11.0002% | 1,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $279,666,400 | 2,398 |
| Average earning assets | $264,450,000 | 2,372 |
| Average equity | $32,419,600 | 2,366 |
| Average total loans | $167,265,600 | 2,508 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3063% | 2,079 |
| Cost of funding earning assets | 0.2641% | 4,453 |
| Net interest margin | 4.0422% | 1,030 |
| Noninterest income to average assets | 1.1674% | 777 |
| Noninterest expense to average assets | 2.9677% | 1,511 |
| Loan and lease loss provision to assets | 0.0760% | 3,369 |
| Net operating income to assets | 1.5472% | 816 |
| Return on assets (ROA) | 1.5472% | 892 |
| Pretax return on assets | 1.9452% | 576 |
| Return on Equity (ROE) | 13.1003% | 1,078 |
| Retained earnings to average equity (ytd only) | 12.5077% | 372 |
| Net charge-offs to loans | 0.0384% | 2,080 |
| Credit loss provision to net charge-offs | 322.9167% | 1,691 |
| Earnings coverage of net charge-offs (x) | 86.0208% | 877 |
| Efficiency ratio | 59.3505% | 3,479 |
| Assets per employee ($millions) | 2.9857% | 4,845 |
| Cash dividends to net income (ytd only)* | 4.5239% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 2,836 |
| Loan loss allowance to noncurrent loans | 129.5039% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.5622% | 2,039 |
| Noncurrent loans to loans | 0.9037% | 1,654 |
| Net loans and leases to total assets | 57.2615% | 3,497 |
| Net loans and leases to deposits | 65.2534% | 3,676 |
| Net loans and leases to core deposits | 67.2730% | 3,807 |
| Total domestic deposits to total assets | 87.7525% | 1,320 |
| Equity capital to assets | 11.5595% | 1,958 |
| Core capital (leverage) ratio | 11.4014% | 1,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $272,390,500 | 2,421 |
| Average earning assets | $257,507,750 | 2,392 |
| Average equity | $32,171,500 | 2,364 |
| Average total loans | $166,546,000 | 2,519 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4477% | 2,082 |
| Cost of funding earning assets | 0.3028% | 4,474 |
| Net interest margin | 4.1449% | 1,029 |
| Noninterest income to average assets | 1.1526% | 751 |
| Noninterest expense to average assets | 3.0461% | 1,475 |
| Loan and lease loss provision to assets | 0.0873% | 3,188 |
| Net operating income to assets | 1.5260% | 883 |
| Return on assets (ROA) | 1.5260% | 958 |
| Pretax return on assets | 1.9348% | 632 |
| Return on Equity (ROE) | 12.8206% | 1,144 |
| Retained earnings to average equity (ytd only) | 12.2134% | 435 |
| Net charge-offs to loans | 0.0278% | 2,163 |
| Credit loss provision to net charge-offs | 504.3478% | 1,223 |
| Earnings coverage of net charge-offs (x) | 116.7826% | 638 |
| Efficiency ratio | 59.9673% | 3,417 |
| Assets per employee ($millions) | 2.9392% | 4,869 |
| Cash dividends to net income (ytd only)* | 4.7361% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1588% | 2,737 |
| Loan loss allowance to noncurrent loans | 122.0570% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.7022% | 1,751 |
| Noncurrent loans to loans | 0.9494% | 1,630 |
| Net loans and leases to total assets | 58.9366% | 3,430 |
| Net loans and leases to deposits | 67.0878% | 3,637 |
| Net loans and leases to core deposits | 69.1274% | 3,770 |
| Total domestic deposits to total assets | 87.8500% | 1,260 |
| Equity capital to assets | 11.4990% | 1,973 |
| Core capital (leverage) ratio | 11.3828% | 1,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $265,654,667 | 2,436 |
| Average earning assets | $250,961,333 | 2,412 |
| Average equity | $31,621,000 | 2,379 |
| Average total loans | $165,551,333 | 2,512 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7684% | 1,507 |
| Cost of funding earning assets | 0.3900% | 4,392 |
| Net interest margin | 4.3784% | 652 |
| Noninterest income to average assets | 1.2628% | 550 |
| Noninterest expense to average assets | 2.9977% | 1,892 |
| Loan and lease loss provision to assets | 0.1797% | 1,658 |
| Net operating income to assets | 1.7458% | 461 |
| Return on assets (ROA) | 1.7458% | 505 |
| Pretax return on assets | 2.2084% | 289 |
| Return on Equity (ROE) | 14.3946% | 628 |
| Retained earnings to average equity (ytd only) | 13.7760% | 272 |
| Net charge-offs to loans | 0.0906% | 1,153 |
| Credit loss provision to net charge-offs | 310.8108% | 1,152 |
| Earnings coverage of net charge-offs (x) | 41.2973% | 1,013 |
| Efficiency ratio | 55.5136% | 4,254 |
| Assets per employee ($millions) | 2.7212% | 4,895 |
| Cash dividends to net income (ytd only)* | 4.2972% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1885% | 2,732 |
| Loan loss allowance to noncurrent loans | 142.3889% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.6745% | 1,974 |
| Noncurrent loans to loans | 0.8347% | 1,941 |
| Net loans and leases to total assets | 62.2204% | 3,277 |
| Net loans and leases to deposits | 71.4897% | 3,482 |
| Net loans and leases to core deposits | 73.6894% | 3,655 |
| Total domestic deposits to total assets | 87.0341% | 1,540 |
| Equity capital to assets | 12.2233% | 1,901 |
| Core capital (leverage) ratio | 12.0858% | 1,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $255,930,500 | 2,459 |
| Average earning assets | $241,001,000 | 2,437 |
| Average equity | $31,039,500 | 2,402 |
| Average total loans | $163,327,000 | 2,509 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8246% | 1,970 |
| Cost of funding earning assets | 0.5053% | 4,073 |
| Net interest margin | 4.3193% | 1,051 |
| Noninterest income to average assets | 1.3460% | 525 |
| Noninterest expense to average assets | 3.3588% | 1,184 |
| Loan and lease loss provision to assets | 0.0072% | 3,863 |
| Net operating income to assets | 1.6404% | 755 |
| Return on assets (ROA) | 1.6404% | 799 |
| Pretax return on assets | 2.0411% | 546 |
| Return on Equity (ROE) | 13.9871% | 898 |
| Retained earnings to average equity (ytd only) | 7.3209% | 1,244 |
| Net charge-offs to loans | 0.0951% | 1,776 |
| Credit loss provision to net charge-offs | 11.6883% | 3,349 |
| Earnings coverage of net charge-offs (x) | 33.4286% | 1,472 |
| Efficiency ratio | 61.9794% | 3,386 |
| Assets per employee ($millions) | 2.5838% | 4,976 |
| Cash dividends to net income (ytd only)* | 47.6595% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1575% | 2,655 |
| Loan loss allowance to noncurrent loans | 124.3046% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.7577% | 1,708 |
| Noncurrent loans to loans | 0.9312% | 1,644 |
| Net loans and leases to total assets | 63.9520% | 3,206 |
| Net loans and leases to deposits | 73.8788% | 3,365 |
| Net loans and leases to core deposits | 75.8930% | 3,581 |
| Total domestic deposits to total assets | 86.5635% | 1,821 |
| Equity capital to assets | 12.0289% | 2,120 |
| Core capital (leverage) ratio | 11.7866% | 1,901 |
| Tier 1 risk-based capital ratio | 20.2830% | 1,284 |
| Total risk-based capital ratio | 21.5330% | 1,261 |
| Memoranda: | ||
| Average total assets | $251,339,600 | 2,454 |
| Average earning assets | $236,308,800 | 2,436 |
| Average equity | $29,477,200 | 2,424 |
| Average total loans | $161,979,600 | 2,489 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8071% | 2,092 |
| Cost of funding earning assets | 0.5260% | 4,044 |
| Net interest margin | 4.2811% | 1,197 |
| Noninterest income to average assets | 1.3327% | 530 |
| Noninterest expense to average assets | 3.3147% | 1,236 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6258% | 874 |
| Return on assets (ROA) | 1.6258% | 915 |
| Pretax return on assets | 2.0435% | 626 |
| Return on Equity (ROE) | 13.9519% | 992 |
| Retained earnings to average equity (ytd only) | 13.3014% | 256 |
| Net charge-offs to loans | 0.0741% | 1,760 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 42.8323% | 1,308 |
| Efficiency ratio | 61.7234% | 3,367 |
| Assets per employee ($millions) | 2.6347% | 5,037 |
| Cash dividends to net income (ytd only)* | 4.6625% | 3,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1985% | 2,517 |
| Loan loss allowance to noncurrent loans | 126.1811% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.7642% | 1,800 |
| Noncurrent loans to loans | 0.9498% | 1,697 |
| Net loans and leases to total assets | 62.6791% | 3,424 |
| Net loans and leases to deposits | 72.1077% | 3,605 |
| Net loans and leases to core deposits | 74.0684% | 3,824 |
| Total domestic deposits to total assets | 86.9243% | 1,558 |
| Equity capital to assets | 12.2667% | 2,065 |
| Core capital (leverage) ratio | 12.1910% | 1,738 |
| Tier 1 risk-based capital ratio | 20.7472% | 1,224 |
| Total risk-based capital ratio | 21.9975% | 1,200 |
| Memoranda: | ||
| Average total assets | $251,517,000 | 2,471 |
| Average earning assets | $236,506,750 | 2,444 |
| Average equity | $29,309,500 | 2,445 |
| Average total loans | $161,934,500 | 2,515 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7928% | 2,083 |
| Cost of funding earning assets | 0.5356% | 3,950 |
| Net interest margin | 4.2571% | 1,224 |
| Noninterest income to average assets | 1.2946% | 519 |
| Noninterest expense to average assets | 3.3340% | 1,223 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5296% | 1,064 |
| Return on assets (ROA) | 1.5296% | 1,113 |
| Pretax return on assets | 1.9686% | 721 |
| Return on Equity (ROE) | 13.3624% | 1,134 |
| Retained earnings to average equity (ytd only) | 12.6943% | 332 |
| Net charge-offs to loans | 0.0702% | 1,658 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 43.3509% | 1,195 |
| Efficiency ratio | 62.7254% | 3,326 |
| Assets per employee ($millions) | 2.4982% | 5,128 |
| Cash dividends to net income (ytd only)* | 5.0000% | 3,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2203% | 2,417 |
| Loan loss allowance to noncurrent loans | 122.6332% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.8210% | 1,713 |
| Noncurrent loans to loans | 0.9950% | 1,645 |
| Net loans and leases to total assets | 63.3816% | 3,410 |
| Net loans and leases to deposits | 72.6035% | 3,630 |
| Net loans and leases to core deposits | 74.6135% | 3,852 |
| Total domestic deposits to total assets | 87.2983% | 1,445 |
| Equity capital to assets | 11.9712% | 2,205 |
| Core capital (leverage) ratio | 11.8199% | 1,932 |
| Tier 1 risk-based capital ratio | 20.1036% | 1,333 |
| Total risk-based capital ratio | 21.3543% | 1,301 |
| Memoranda: | ||
| Average total assets | $251,046,670 | 2,484 |
| Average earning assets | $236,355,670 | 2,451 |
| Average equity | $28,737,330 | 2,469 |
| Average total loans | $162,427,330 | 2,510 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7536% | 2,047 |
| Cost of funding earning assets | 0.5413% | 3,865 |
| Net interest margin | 4.2123% | 1,282 |
| Noninterest income to average assets | 1.2461% | 528 |
| Noninterest expense to average assets | 3.1169% | 1,696 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6610% | 795 |
| Return on assets (ROA) | 1.6610% | 822 |
| Pretax return on assets | 2.0996% | 524 |
| Return on Equity (ROE) | 14.8474% | 782 |
| Retained earnings to average equity (ytd only) | 14.1655% | 342 |
| Net charge-offs to loans | 0.0587% | 1,454 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 55.0417% | 966 |
| Efficiency ratio | 59.5978% | 3,863 |
| Assets per employee ($millions) | 2.6199% | 5,141 |
| Cash dividends to net income (ytd only)* | 4.5933% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2338% | 2,406 |
| Loan loss allowance to noncurrent loans | 103.8100% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 0.8946% | 1,574 |
| Noncurrent loans to loans | 1.1885% | 1,393 |
| Net loans and leases to total assets | 63.3033% | 3,374 |
| Net loans and leases to deposits | 72.1103% | 3,595 |
| Net loans and leases to core deposits | 73.6514% | 3,814 |
| Total domestic deposits to total assets | 87.7867% | 1,444 |
| Equity capital to assets | 11.4320% | 2,463 |
| Core capital (leverage) ratio | 11.4968% | 2,134 |
| Tier 1 risk-based capital ratio | 19.4076% | 1,460 |
| Total risk-based capital ratio | 20.6586% | 1,437 |
| Memoranda: | ||
| Average total assets | $251,661,500 | 2,494 |
| Average earning assets | $237,207,500 | 2,477 |
| Average equity | $28,153,000 | 2,511 |
| Average total loans | $163,494,000 | 2,527 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4064% | 2,741 |
| Cost of funding earning assets | 0.4909% | 3,417 |
| Net interest margin | 3.9155% | 2,280 |
| Noninterest income to average assets | 1.2907% | 562 |
| Noninterest expense to average assets | 3.0990% | 1,796 |
| Loan and lease loss provision to assets | 0.0387% | 3,426 |
| Net operating income to assets | 1.4595% | 1,242 |
| Return on assets (ROA) | 1.4595% | 1,233 |
| Pretax return on assets | 1.8401% | 835 |
| Return on Equity (ROE) | 13.7661% | 1,112 |
| Retained earnings to average equity (ytd only) | 4.7615% | 2,912 |
| Net charge-offs to loans | 0.1171% | 1,577 |
| Credit loss provision to net charge-offs | 53.1915% | 3,157 |
| Earnings coverage of net charge-offs (x) | 25.8138% | 1,756 |
| Efficiency ratio | 62.1092% | 3,502 |
| Assets per employee ($millions) | 2.5960% | 5,180 |
| Cash dividends to net income (ytd only)* | 65.4111% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2142% | 2,496 |
| Loan loss allowance to noncurrent loans | 94.9081% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 0.9678% | 1,413 |
| Noncurrent loans to loans | 1.2794% | 1,240 |
| Net loans and leases to total assets | 65.0371% | 3,251 |
| Net loans and leases to deposits | 74.3493% | 3,474 |
| Net loans and leases to core deposits | 76.1721% | 3,702 |
| Total domestic deposits to total assets | 87.4751% | 1,551 |
| Equity capital to assets | 10.9420% | 2,745 |
| Core capital (leverage) ratio | 11.0000% | 2,528 |
| Tier 1 risk-based capital ratio | 18.2955% | 1,667 |
| Total risk-based capital ratio | 19.5463% | 1,622 |
| Memoranda: | ||
| Average total assets | $258,306,400 | 2,415 |
| Average earning assets | $243,236,800 | 2,389 |
| Average equity | $27,386,200 | 2,493 |
| Average total loans | $160,480,600 | 2,522 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3186% | 2,900 |
| Cost of funding earning assets | 0.4709% | 3,388 |
| Net interest margin | 3.8476% | 2,477 |
| Noninterest income to average assets | 1.2603% | 605 |
| Noninterest expense to average assets | 3.0761% | 1,824 |
| Loan and lease loss provision to assets | 0.0359% | 3,289 |
| Net operating income to assets | 1.3906% | 1,526 |
| Return on assets (ROA) | 1.3906% | 1,523 |
| Pretax return on assets | 1.7691% | 1,091 |
| Return on Equity (ROE) | 13.2187% | 1,352 |
| Retained earnings to average equity (ytd only) | 12.5165% | 415 |
| Net charge-offs to loans | 0.1131% | 1,367 |
| Credit loss provision to net charge-offs | 51.8519% | 2,815 |
| Earnings coverage of net charge-offs (x) | 26.0660% | 1,758 |
| Efficiency ratio | 62.8731% | 3,362 |
| Assets per employee ($millions) | 2.5075% | 5,278 |
| Cash dividends to net income (ytd only)* | 5.3118% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 2,274 |
| Loan loss allowance to noncurrent loans | 97.8846% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 0.9461% | 1,545 |
| Noncurrent loans to loans | 1.2943% | 1,293 |
| Net loans and leases to total assets | 62.6532% | 3,579 |
| Net loans and leases to deposits | 71.2589% | 3,830 |
| Net loans and leases to core deposits | 72.9944% | 4,010 |
| Total domestic deposits to total assets | 87.9233% | 1,268 |
| Equity capital to assets | 11.2621% | 2,420 |
| Core capital (leverage) ratio | 11.2869% | 2,344 |
| Tier 1 risk-based capital ratio | 19.5438% | 1,429 |
| Total risk-based capital ratio | 20.7951% | 1,394 |
| Memoranda: | ||
| Average total assets | $259,930,500 | 2,412 |
| Average earning assets | $244,612,500 | 2,394 |
| Average equity | $27,344,500 | 2,500 |
| Average total loans | $159,155,000 | 2,543 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2137% | 3,076 |
| Cost of funding earning assets | 0.4477% | 3,373 |
| Net interest margin | 3.7659% | 2,694 |
| Noninterest income to average assets | 1.2863% | 584 |
| Noninterest expense to average assets | 3.0615% | 1,882 |
| Loan and lease loss provision to assets | 0.0397% | 3,113 |
| Net operating income to assets | 1.3641% | 1,556 |
| Return on assets (ROA) | 1.3641% | 1,557 |
| Pretax return on assets | 1.7272% | 1,148 |
| Return on Equity (ROE) | 13.2680% | 1,273 |
| Retained earnings to average equity (ytd only) | 12.5557% | 443 |
| Net charge-offs to loans | 0.0429% | 2,009 |
| Credit loss provision to net charge-offs | 152.9412% | 1,564 |
| Earnings coverage of net charge-offs (x) | 68.1176% | 926 |
| Efficiency ratio | 63.2485% | 3,423 |
| Assets per employee ($millions) | 2.6257% | 5,298 |
| Cash dividends to net income (ytd only)* | 5.3691% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3416% | 1,984 |
| Loan loss allowance to noncurrent loans | 120.3977% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.7552% | 1,969 |
| Noncurrent loans to loans | 1.1143% | 1,577 |
| Net loans and leases to total assets | 59.9451% | 3,816 |
| Net loans and leases to deposits | 67.5724% | 4,044 |
| Net loans and leases to core deposits | 69.8947% | 4,151 |
| Total domestic deposits to total assets | 88.7124% | 1,051 |
| Equity capital to assets | 10.6652% | 2,962 |
| Core capital (leverage) ratio | 10.7005% | 2,806 |
| Tier 1 risk-based capital ratio | 19.0051% | 1,549 |
| Total risk-based capital ratio | 20.2572% | 1,513 |
| Memoranda: | ||
| Average total assets | $262,155,330 | 2,402 |
| Average earning assets | $246,578,000 | 2,383 |
| Average equity | $26,952,000 | 2,533 |
| Average total loans | $158,637,000 | 2,563 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1118% | 3,196 |
| Cost of funding earning assets | 0.4104% | 3,510 |
| Net interest margin | 3.7015% | 2,791 |
| Noninterest income to average assets | 1.2611% | 584 |
| Noninterest expense to average assets | 2.9310% | 2,251 |
| Loan and lease loss provision to assets | 0.0608% | 2,560 |
| Net operating income to assets | 1.3857% | 1,383 |
| Return on assets (ROA) | 1.3857% | 1,398 |
| Pretax return on assets | 1.7504% | 1,003 |
| Return on Equity (ROE) | 13.7318% | 1,075 |
| Retained earnings to average equity (ytd only) | 13.0091% | 521 |
| Net charge-offs to loans | 0.0201% | 2,096 |
| Credit loss provision to net charge-offs | 500.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 149.0000% | 436 |
| Efficiency ratio | 61.6469% | 3,849 |
| Assets per employee ($millions) | 2.6809% | 5,339 |
| Cash dividends to net income (ytd only)* | 5.2632% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3430% | 2,044 |
| Loan loss allowance to noncurrent loans | 125.2496% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.7336% | 2,114 |
| Noncurrent loans to loans | 1.0723% | 1,708 |
| Net loans and leases to total assets | 59.0361% | 3,848 |
| Net loans and leases to deposits | 66.1657% | 4,077 |
| Net loans and leases to core deposits | 68.6182% | 4,181 |
| Total domestic deposits to total assets | 89.2246% | 996 |
| Equity capital to assets | 10.1462% | 3,455 |
| Core capital (leverage) ratio | 10.4470% | 3,010 |
| Tier 1 risk-based capital ratio | 18.5968% | 1,665 |
| Total risk-based capital ratio | 19.8492% | 1,629 |
| Memoranda: | ||
| Average total assets | $263,259,000 | 2,420 |
| Average earning assets | $247,577,500 | 2,402 |
| Average equity | $26,566,000 | 2,579 |
| Average total loans | $158,983,000 | 2,581 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0767% | 3,143 |
| Cost of funding earning assets | 0.2817% | 4,301 |
| Net interest margin | 3.7949% | 2,443 |
| Noninterest income to average assets | 1.3272% | 598 |
| Noninterest expense to average assets | 3.1296% | 1,777 |
| Loan and lease loss provision to assets | 0.1399% | 1,630 |
| Net operating income to assets | 1.0461% | 2,069 |
| Return on assets (ROA) | 1.0461% | 2,101 |
| Pretax return on assets | 1.6161% | 1,248 |
| Return on Equity (ROE) | 10.6078% | 1,634 |
| Retained earnings to average equity (ytd only) | 10.0378% | 342 |
| Net charge-offs to loans | 0.0821% | 2,284 |
| Credit loss provision to net charge-offs | 280.3150% | 1,002 |
| Earnings coverage of net charge-offs (x) | 35.1732% | 1,369 |
| Efficiency ratio | 63.9041% | 3,620 |
| Assets per employee ($millions) | 2.6375% | 5,406 |
| Cash dividends to net income (ytd only)* | 5.3739% | 4,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3202% | 2,117 |
| Loan loss allowance to noncurrent loans | 253.4379% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.4129% | 3,210 |
| Noncurrent loans to loans | 0.5209% | 2,953 |
| Net loans and leases to total assets | 60.1454% | 3,813 |
| Net loans and leases to deposits | 67.2665% | 4,083 |
| Net loans and leases to core deposits | 69.8739% | 4,181 |
| Total domestic deposits to total assets | 89.4136% | 815 |
| Equity capital to assets | 10.0353% | 3,668 |
| Core capital (leverage) ratio | 10.0691% | 3,363 |
| Tier 1 risk-based capital ratio | 19.0982% | 1,489 |
| Total risk-based capital ratio | 20.3514% | 1,452 |
| Memoranda: | ||
| Average total assets | $254,378,600 | 2,459 |
| Average earning assets | $238,528,200 | 2,439 |
| Average equity | $25,085,200 | 2,670 |
| Average total loans | $154,634,400 | 2,606 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0550% | 3,156 |
| Cost of funding earning assets | 0.2539% | 4,532 |
| Net interest margin | 3.8011% | 2,392 |
| Noninterest income to average assets | 1.3286% | 593 |
| Noninterest expense to average assets | 3.1294% | 1,722 |
| Loan and lease loss provision to assets | 0.1198% | 1,812 |
| Net operating income to assets | 1.0922% | 2,122 |
| Return on assets (ROA) | 1.0922% | 2,177 |
| Pretax return on assets | 1.6420% | 1,271 |
| Return on Equity (ROE) | 11.1262% | 1,646 |
| Retained earnings to average equity (ytd only) | 10.3576% | 516 |
| Net charge-offs to loans | 0.0843% | 1,959 |
| Credit loss provision to net charge-offs | 234.0206% | 1,192 |
| Earnings coverage of net charge-offs (x) | 34.4227% | 1,443 |
| Efficiency ratio | 63.8296% | 3,581 |
| Assets per employee ($millions) | 2.6774% | 5,450 |
| Cash dividends to net income (ytd only)* | 6.9081% | 3,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2855% | 2,431 |
| Loan loss allowance to noncurrent loans | 113.2994% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 0.7330% | 2,306 |
| Noncurrent loans to loans | 1.1346% | 1,696 |
| Net loans and leases to total assets | 58.0012% | 4,056 |
| Net loans and leases to deposits | 64.7527% | 4,337 |
| Net loans and leases to core deposits | 67.5660% | 4,378 |
| Total domestic deposits to total assets | 89.5735% | 631 |
| Equity capital to assets | 9.7595% | 4,180 |
| Core capital (leverage) ratio | 9.8163% | 3,800 |
| Tier 1 risk-based capital ratio | 18.9057% | 1,615 |
| Total risk-based capital ratio | 20.1581% | 1,574 |
| Memoranda: | ||
| Average total assets | $252,696,000 | 2,489 |
| Average earning assets | $236,837,250 | 2,468 |
| Average equity | $24,805,750 | 2,703 |
| Average total loans | $153,506,500 | 2,631 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0196% | 3,136 |
| Cost of funding earning assets | 0.2105% | 4,889 |
| Net interest margin | 3.8091% | 2,257 |
| Noninterest income to average assets | 1.3115% | 608 |
| Noninterest expense to average assets | 3.1717% | 1,647 |
| Loan and lease loss provision to assets | 0.1521% | 1,322 |
| Net operating income to assets | 1.0122% | 2,370 |
| Return on assets (ROA) | 1.0122% | 2,410 |
| Pretax return on assets | 1.5545% | 1,477 |
| Return on Equity (ROE) | 10.2898% | 1,915 |
| Retained earnings to average equity (ytd only) | 9.5128% | 703 |
| Net charge-offs to loans | 0.0576% | 2,105 |
| Credit loss provision to net charge-offs | 429.5455% | 745 |
| Earnings coverage of net charge-offs (x) | 48.2045% | 1,101 |
| Efficiency ratio | 64.8524% | 3,523 |
| Assets per employee ($millions) | 2.7007% | 5,472 |
| Cash dividends to net income (ytd only)* | 7.5517% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3228% | 2,303 |
| Loan loss allowance to noncurrent loans | 162.2687% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.5188% | 3,038 |
| Noncurrent loans to loans | 0.8152% | 2,367 |
| Net loans and leases to total assets | 56.2738% | 4,202 |
| Net loans and leases to deposits | 62.5049% | 4,468 |
| Net loans and leases to core deposits | 65.1102% | 4,532 |
| Total domestic deposits to total assets | 90.0310% | 527 |
| Equity capital to assets | 9.3942% | 4,519 |
| Core capital (leverage) ratio | 10.5672% | 2,847 |
| Tier 1 risk-based capital ratio | 18.4803% | 1,719 |
| Total risk-based capital ratio | 19.7332% | 1,681 |
| Memoranda: | ||
| Average total assets | $248,573,000 | 2,530 |
| Average earning assets | $232,759,330 | 2,501 |
| Average equity | $24,451,330 | 2,739 |
| Average total loans | $152,761,000 | 2,648 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1652% | 2,408 |
| Cost of funding earning assets | 0.2043% | 4,940 |
| Net interest margin | 3.9609% | 1,579 |
| Noninterest income to average assets | 1.3128% | 593 |
| Noninterest expense to average assets | 3.2645% | 1,446 |
| Loan and lease loss provision to assets | 0.1238% | 1,553 |
| Net operating income to assets | 1.0770% | 1,955 |
| Return on assets (ROA) | 1.0770% | 2,003 |
| Pretax return on assets | 1.6206% | 1,182 |
| Return on Equity (ROE) | 10.6806% | 1,677 |
| Retained earnings to average equity (ytd only) | 9.8845% | 832 |
| Net charge-offs to loans | 0.0785% | 1,549 |
| Credit loss provision to net charge-offs | 246.6667% | 896 |
| Earnings coverage of net charge-offs (x) | 34.7667% | 1,130 |
| Efficiency ratio | 65.0083% | 3,662 |
| Assets per employee ($millions) | 2.4625% | 5,637 |
| Cash dividends to net income (ytd only)* | 7.4534% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 2,825 |
| Loan loss allowance to noncurrent loans | 345.2252% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.2768% | 4,104 |
| Noncurrent loans to loans | 0.3619% | 3,795 |
| Net loans and leases to total assets | 62.7481% | 3,432 |
| Net loans and leases to deposits | 70.3981% | 3,758 |
| Net loans and leases to core deposits | 73.6933% | 3,860 |
| Total domestic deposits to total assets | 89.1332% | 1,090 |
| Equity capital to assets | 10.1458% | 3,579 |
| Core capital (leverage) ratio | 10.2641% | 3,171 |
| Tier 1 risk-based capital ratio | 17.7841% | 1,944 |
| Total risk-based capital ratio | 19.0353% | 1,893 |
| Memoranda: | ||
| Average total assets | $239,175,500 | 2,626 |
| Average earning assets | $223,182,000 | 2,618 |
| Average equity | $24,118,500 | 2,779 |
| Average total loans | $152,904,000 | 2,664 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0135% | 3,145 |
| Cost of funding earning assets | 0.1807% | 5,207 |
| Net interest margin | 3.8328% | 2,197 |
| Noninterest income to average assets | 1.3718% | 610 |
| Noninterest expense to average assets | 3.1882% | 1,818 |
| Loan and lease loss provision to assets | 0.1745% | 1,380 |
| Net operating income to assets | 1.0648% | 2,065 |
| Return on assets (ROA) | 1.0670% | 2,157 |
| Pretax return on assets | 1.5993% | 1,283 |
| Return on Equity (ROE) | 10.4376% | 1,789 |
| Retained earnings to average equity (ytd only) | 1.1965% | 4,812 |
| Net charge-offs to loans | 0.1168% | 2,090 |
| Credit loss provision to net charge-offs | 244.4444% | 1,186 |
| Earnings coverage of net charge-offs (x) | 24.8012% | 1,617 |
| Efficiency ratio | 64.1354% | 3,918 |
| Assets per employee ($millions) | 2.4187% | 5,699 |
| Cash dividends to net income (ytd only)* | 88.5368% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 2,951 |
| Loan loss allowance to noncurrent loans | 198.9373% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.4447% | 3,482 |
| Noncurrent loans to loans | 0.6172% | 3,002 |
| Net loans and leases to total assets | 63.5344% | 3,413 |
| Net loans and leases to deposits | 72.0826% | 3,704 |
| Net loans and leases to core deposits | 75.4715% | 3,794 |
| Total domestic deposits to total assets | 88.1411% | 1,567 |
| Equity capital to assets | 10.0211% | 3,697 |
| Core capital (leverage) ratio | 10.0755% | 3,397 |
| Tier 1 risk-based capital ratio | 17.2858% | 2,064 |
| Total risk-based capital ratio | 18.5369% | 2,023 |
| Memoranda: | ||
| Average total assets | $239,541,800 | 2,583 |
| Average earning assets | $224,168,400 | 2,554 |
| Average equity | $24,488,400 | 2,760 |
| Average total loans | $146,357,200 | 2,688 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9638% | 3,361 |
| Cost of funding earning assets | 0.1778% | 5,284 |
| Net interest margin | 3.7860% | 2,385 |
| Noninterest income to average assets | 1.3623% | 632 |
| Noninterest expense to average assets | 3.1549% | 1,889 |
| Loan and lease loss provision to assets | 0.1310% | 1,789 |
| Net operating income to assets | 1.0785% | 2,086 |
| Return on assets (ROA) | 1.0792% | 2,191 |
| Pretax return on assets | 1.6238% | 1,322 |
| Return on Equity (ROE) | 10.5055% | 1,864 |
| Retained earnings to average equity (ytd only) | 9.7327% | 634 |
| Net charge-offs to loans | 0.1086% | 1,857 |
| Credit loss provision to net charge-offs | 200.0000% | 1,437 |
| Earnings coverage of net charge-offs (x) | 26.7711% | 1,586 |
| Efficiency ratio | 64.1145% | 3,915 |
| Assets per employee ($millions) | 2.4787% | 5,733 |
| Cash dividends to net income (ytd only)* | 7.3559% | 3,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1794% | 3,375 |
| Loan loss allowance to noncurrent loans | 288.0992% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.3059% | 4,188 |
| Noncurrent loans to loans | 0.4094% | 3,810 |
| Net loans and leases to total assets | 61.3754% | 3,701 |
| Net loans and leases to deposits | 69.7092% | 4,011 |
| Net loans and leases to core deposits | 72.9859% | 4,088 |
| Total domestic deposits to total assets | 88.0449% | 1,382 |
| Equity capital to assets | 10.8158% | 3,227 |
| Core capital (leverage) ratio | 10.6659% | 2,813 |
| Tier 1 risk-based capital ratio | 18.8710% | 1,700 |
| Total risk-based capital ratio | 20.1212% | 1,661 |
| Memoranda: | ||
| Average total assets | $240,170,000 | 2,586 |
| Average earning assets | $224,963,750 | 2,559 |
| Average equity | $24,672,250 | 2,767 |
| Average total loans | $144,829,750 | 2,711 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9137% | 3,563 |
| Cost of funding earning assets | 0.1780% | 5,342 |
| Net interest margin | 3.7357% | 2,568 |
| Noninterest income to average assets | 1.3175% | 657 |
| Noninterest expense to average assets | 3.1406% | 1,950 |
| Loan and lease loss provision to assets | 0.1303% | 1,756 |
| Net operating income to assets | 1.0217% | 2,288 |
| Return on assets (ROA) | 1.0228% | 2,421 |
| Pretax return on assets | 1.5500% | 1,527 |
| Return on Equity (ROE) | 10.1327% | 1,993 |
| Retained earnings to average equity (ytd only) | 9.3431% | 758 |
| Net charge-offs to loans | 0.1279% | 1,565 |
| Credit loss provision to net charge-offs | 170.6522% | 1,452 |
| Earnings coverage of net charge-offs (x) | 21.9783% | 1,648 |
| Efficiency ratio | 65.0129% | 3,849 |
| Assets per employee ($millions) | 2.5279% | 5,769 |
| Cash dividends to net income (ytd only)* | 7.7922% | 3,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1539% | 3,619 |
| Loan loss allowance to noncurrent loans | 253.3733% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.3330% | 4,168 |
| Noncurrent loans to loans | 0.4554% | 3,739 |
| Net loans and leases to total assets | 59.6530% | 3,928 |
| Net loans and leases to deposits | 67.3606% | 4,239 |
| Net loans and leases to core deposits | 70.4516% | 4,293 |
| Total domestic deposits to total assets | 88.5576% | 1,137 |
| Equity capital to assets | 10.3809% | 3,756 |
| Core capital (leverage) ratio | 10.2173% | 3,315 |
| Tier 1 risk-based capital ratio | 18.2738% | 1,859 |
| Total risk-based capital ratio | 19.5215% | 1,823 |
| Memoranda: | ||
| Average total assets | $240,907,670 | 2,597 |
| Average earning assets | $225,822,670 | 2,569 |
| Average equity | $24,317,330 | 2,805 |
| Average total loans | $143,843,000 | 2,723 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8468% | 3,780 |
| Cost of funding earning assets | 0.1780% | 5,388 |
| Net interest margin | 3.6688% | 2,810 |
| Noninterest income to average assets | 1.2882% | 661 |
| Noninterest expense to average assets | 3.0464% | 2,253 |
| Loan and lease loss provision to assets | 0.2166% | 892 |
| Net operating income to assets | 0.9655% | 2,432 |
| Return on assets (ROA) | 0.9666% | 2,539 |
| Pretax return on assets | 1.4615% | 1,714 |
| Return on Equity (ROE) | 9.7152% | 2,110 |
| Retained earnings to average equity (ytd only) | 8.9112% | 1,138 |
| Net charge-offs to loans | 0.2806% | 752 |
| Credit loss provision to net charge-offs | 130.0000% | 1,365 |
| Earnings coverage of net charge-offs (x) | 10.0600% | 1,948 |
| Efficiency ratio | 64.3260% | 4,067 |
| Assets per employee ($millions) | 2.5512% | 5,822 |
| Cash dividends to net income (ytd only)* | 8.2759% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 3,694 |
| Loan loss allowance to noncurrent loans | 159.4412% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.5545% | 3,402 |
| Noncurrent loans to loans | 0.7297% | 3,015 |
| Net loans and leases to total assets | 58.0110% | 4,041 |
| Net loans and leases to deposits | 65.1722% | 4,322 |
| Net loans and leases to core deposits | 67.9706% | 4,403 |
| Total domestic deposits to total assets | 89.0118% | 1,094 |
| Equity capital to assets | 10.0067% | 4,075 |
| Core capital (leverage) ratio | 10.1375% | 3,382 |
| Tier 1 risk-based capital ratio | 18.1930% | 1,932 |
| Total risk-based capital ratio | 19.4401% | 1,900 |
| Memoranda: | ||
| Average total assets | $240,023,000 | 2,618 |
| Average earning assets | $224,706,500 | 2,587 |
| Average equity | $23,880,000 | 2,847 |
| Average total loans | $142,537,500 | 2,742 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0060% | 3,289 |
| Cost of funding earning assets | 0.1547% | 5,653 |
| Net interest margin | 3.8513% | 2,199 |
| Noninterest income to average assets | 1.4122% | 605 |
| Noninterest expense to average assets | 3.3735% | 1,538 |
| Loan and lease loss provision to assets | 0.1319% | 1,813 |
| Net operating income to assets | 1.0050% | 2,339 |
| Return on assets (ROA) | 1.0050% | 2,430 |
| Pretax return on assets | 1.4958% | 1,566 |
| Return on Equity (ROE) | 10.0362% | 1,995 |
| Retained earnings to average equity (ytd only) | 6.8357% | 1,359 |
| Net charge-offs to loans | 0.3096% | 976 |
| Credit loss provision to net charge-offs | 70.1389% | 3,121 |
| Earnings coverage of net charge-offs (x) | 8.6528% | 2,921 |
| Efficiency ratio | 67.2878% | 3,700 |
| Assets per employee ($millions) | 2.4758% | 5,903 |
| Cash dividends to net income (ytd only)* | 31.8891% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1378% | 3,816 |
| Loan loss allowance to noncurrent loans | 153.0132% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.5503% | 3,452 |
| Noncurrent loans to loans | 0.7436% | 2,950 |
| Net loans and leases to total assets | 59.4060% | 3,916 |
| Net loans and leases to deposits | 66.8445% | 4,234 |
| Net loans and leases to core deposits | 69.7693% | 4,311 |
| Total domestic deposits to total assets | 88.8719% | 1,194 |
| Equity capital to assets | 9.8903% | 4,083 |
| Core capital (leverage) ratio | 9.9998% | 3,508 |
| Tier 1 risk-based capital ratio | 17.5895% | 2,097 |
| Total risk-based capital ratio | 18.8003% | 2,061 |
| Memoranda: | ||
| Average total assets | $229,641,000 | 2,667 |
| Average earning assets | $214,006,400 | 2,645 |
| Average equity | $22,996,800 | 2,879 |
| Average total loans | $139,526,200 | 2,727 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0034% | 3,323 |
| Cost of funding earning assets | 0.1529% | 5,757 |
| Net interest margin | 3.8505% | 2,183 |
| Noninterest income to average assets | 1.4233% | 613 |
| Noninterest expense to average assets | 3.4277% | 1,420 |
| Loan and lease loss provision to assets | 0.1242% | 1,829 |
| Net operating income to assets | 0.9635% | 2,652 |
| Return on assets (ROA) | 0.9635% | 2,741 |
| Pretax return on assets | 1.4567% | 1,812 |
| Return on Equity (ROE) | 9.5905% | 2,271 |
| Retained earnings to average equity (ytd only) | 9.3107% | 789 |
| Net charge-offs to loans | 0.1423% | 1,699 |
| Credit loss provision to net charge-offs | 143.2432% | 1,744 |
| Earnings coverage of net charge-offs (x) | 18.2364% | 2,009 |
| Efficiency ratio | 68.2727% | 3,491 |
| Assets per employee ($millions) | 2.4467% | 5,981 |
| Cash dividends to net income (ytd only)* | 2.9180% | 3,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2820% | 3,191 |
| Loan loss allowance to noncurrent loans | 111.9458% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 0.7136% | 3,121 |
| Noncurrent loans to loans | 1.1452% | 2,220 |
| Net loans and leases to total assets | 58.3839% | 4,093 |
| Net loans and leases to deposits | 65.6151% | 4,419 |
| Net loans and leases to core deposits | 68.4643% | 4,503 |
| Total domestic deposits to total assets | 88.9795% | 1,035 |
| Equity capital to assets | 9.9220% | 4,260 |
| Core capital (leverage) ratio | 9.9817% | 3,658 |
| Tier 1 risk-based capital ratio | 17.5897% | 2,161 |
| Total risk-based capital ratio | 18.8412% | 2,117 |
| Memoranda: | ||
| Average total assets | $227,631,750 | 2,704 |
| Average earning assets | $211,948,250 | 2,674 |
| Average equity | $22,869,250 | 2,911 |
| Average total loans | $138,702,750 | 2,761 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0213% | 3,197 |
| Cost of funding earning assets | 0.1520% | 5,829 |
| Net interest margin | 3.8694% | 2,077 |
| Noninterest income to average assets | 1.3391% | 684 |
| Noninterest expense to average assets | 3.5343% | 1,246 |
| Loan and lease loss provision to assets | 0.0734% | 2,640 |
| Net operating income to assets | 0.8731% | 3,027 |
| Return on assets (ROA) | 0.8731% | 3,135 |
| Pretax return on assets | 1.3302% | 2,245 |
| Return on Equity (ROE) | 8.6517% | 2,720 |
| Retained earnings to average equity (ytd only) | 8.2262% | 1,178 |
| Net charge-offs to loans | 0.0508% | 2,696 |
| Credit loss provision to net charge-offs | 234.2857% | 1,094 |
| Earnings coverage of net charge-offs (x) | 44.8286% | 1,036 |
| Efficiency ratio | 71.4130% | 3,091 |
| Assets per employee ($millions) | 2.4506% | 6,057 |
| Cash dividends to net income (ytd only)* | 4.9180% | 3,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2885% | 3,309 |
| Loan loss allowance to noncurrent loans | 119.0350% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.6801% | 3,363 |
| Noncurrent loans to loans | 1.0824% | 2,485 |
| Net loans and leases to total assets | 58.6481% | 4,020 |
| Net loans and leases to deposits | 65.7627% | 4,358 |
| Net loans and leases to core deposits | 68.6653% | 4,440 |
| Total domestic deposits to total assets | 89.1814% | 1,058 |
| Equity capital to assets | 9.7657% | 4,322 |
| Core capital (leverage) ratio | 10.0099% | 3,583 |
| Tier 1 risk-based capital ratio | 17.2581% | 2,301 |
| Total risk-based capital ratio | 18.5092% | 2,263 |
| Memoranda: | ||
| Average total assets | $223,582,330 | 2,759 |
| Average earning assets | $207,941,670 | 2,735 |
| Average equity | $22,562,000 | 2,949 |
| Average total loans | $137,666,670 | 2,780 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0734% | 2,942 |
| Cost of funding earning assets | 0.1523% | 5,916 |
| Net interest margin | 3.9211% | 1,818 |
| Noninterest income to average assets | 1.2951% | 685 |
| Noninterest expense to average assets | 3.4022% | 1,484 |
| Loan and lease loss provision to assets | 0.0661% | 2,613 |
| Net operating income to assets | 0.9718% | 2,383 |
| Return on assets (ROA) | 0.9718% | 2,519 |
| Pretax return on assets | 1.4678% | 1,669 |
| Return on Equity (ROE) | 9.4652% | 2,234 |
| Retained earnings to average equity (ytd only) | 8.6064% | 1,341 |
| Net charge-offs to loans | 0.0293% | 2,595 |
| Credit loss provision to net charge-offs | 360.0000% | 716 |
| Earnings coverage of net charge-offs (x) | 83.5000% | 573 |
| Efficiency ratio | 68.7384% | 3,706 |
| Assets per employee ($millions) | 2.2912% | 6,197 |
| Cash dividends to net income (ytd only)* | 9.0737% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 3,372 |
| Loan loss allowance to noncurrent loans | 181.0783% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.5160% | 3,958 |
| Noncurrent loans to loans | 0.7209% | 3,458 |
| Net loans and leases to total assets | 61.1801% | 3,498 |
| Net loans and leases to deposits | 69.0865% | 3,850 |
| Net loans and leases to core deposits | 72.3776% | 3,926 |
| Total domestic deposits to total assets | 88.5558% | 1,520 |
| Equity capital to assets | 10.3022% | 3,774 |
| Core capital (leverage) ratio | 10.3148% | 3,200 |
| Tier 1 risk-based capital ratio | 17.6602% | 2,250 |
| Total risk-based capital ratio | 18.9112% | 2,211 |
| Memoranda: | ||
| Average total assets | $217,743,000 | 2,826 |
| Average earning assets | $202,187,500 | 2,812 |
| Average equity | $22,355,500 | 2,986 |
| Average total loans | $136,611,500 | 2,795 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1885% | 2,984 |
| Cost of funding earning assets | 0.1684% | 5,991 |
| Net interest margin | 4.0201% | 1,840 |
| Noninterest income to average assets | 1.3988% | 621 |
| Noninterest expense to average assets | 3.4049% | 1,689 |
| Loan and lease loss provision to assets | 0.0945% | 2,574 |
| Net operating income to assets | 1.0817% | 2,048 |
| Return on assets (ROA) | 1.0817% | 2,099 |
| Pretax return on assets | 1.6223% | 1,170 |
| Return on Equity (ROE) | 10.5491% | 1,878 |
| Retained earnings to average equity (ytd only) | 5.3828% | 2,346 |
| Net charge-offs to loans | 0.0858% | 3,267 |
| Credit loss provision to net charge-offs | 175.4386% | 1,384 |
| Earnings coverage of net charge-offs (x) | 31.8684% | 1,274 |
| Efficiency ratio | 66.4791% | 4,159 |
| Assets per employee ($millions) | 2.1993% | 6,309 |
| Cash dividends to net income (ytd only)* | 48.9734% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 3,531 |
| Loan loss allowance to noncurrent loans | 209.0584% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.4598% | 4,281 |
| Noncurrent loans to loans | 0.6130% | 3,845 |
| Net loans and leases to total assets | 62.6919% | 3,410 |
| Net loans and leases to deposits | 71.1534% | 3,774 |
| Net loans and leases to core deposits | 74.6249% | 3,859 |
| Total domestic deposits to total assets | 88.1080% | 1,716 |
| Equity capital to assets | 10.2310% | 3,823 |
| Core capital (leverage) ratio | 10.2432% | 3,256 |
| Tier 1 risk-based capital ratio | 17.2731% | 2,392 |
| Total risk-based capital ratio | 18.5246% | 2,351 |
| Memoranda: | ||
| Average total assets | $211,607,600 | 2,863 |
| Average earning assets | $195,963,000 | 2,845 |
| Average equity | $21,698,600 | 2,981 |
| Average total loans | $132,906,600 | 2,808 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1851% | 3,045 |
| Cost of funding earning assets | 0.1710% | 6,055 |
| Net interest margin | 4.0141% | 1,841 |
| Noninterest income to average assets | 1.4028% | 635 |
| Noninterest expense to average assets | 3.3487% | 1,793 |
| Loan and lease loss provision to assets | 0.1120% | 2,177 |
| Net operating income to assets | 1.0995% | 2,030 |
| Return on assets (ROA) | 1.0995% | 2,097 |
| Pretax return on assets | 1.6572% | 1,169 |
| Return on Equity (ROE) | 10.7167% | 1,902 |
| Retained earnings to average equity (ytd only) | 9.8406% | 751 |
| Net charge-offs to loans | 0.0839% | 3,003 |
| Credit loss provision to net charge-offs | 213.2530% | 1,207 |
| Earnings coverage of net charge-offs (x) | 33.6759% | 1,272 |
| Efficiency ratio | 65.4298% | 4,307 |
| Assets per employee ($millions) | 2.1560% | 6,400 |
| Cash dividends to net income (ytd only)* | 8.1751% | 3,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 3,611 |
| Loan loss allowance to noncurrent loans | 191.9390% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.7322% | 3,622 |
| Noncurrent loans to loans | 0.6803% | 3,908 |
| Net loans and leases to total assets | 63.0327% | 3,338 |
| Net loans and leases to deposits | 71.6535% | 3,718 |
| Net loans and leases to core deposits | 75.1063% | 3,844 |
| Total domestic deposits to total assets | 87.9688% | 1,790 |
| Equity capital to assets | 10.6133% | 3,417 |
| Core capital (leverage) ratio | 10.6306% | 2,885 |
| Tier 1 risk-based capital ratio | 17.8031% | 2,273 |
| Total risk-based capital ratio | 19.0550% | 2,239 |
| Memoranda: | ||
| Average total assets | $210,626,500 | 2,899 |
| Average earning assets | $194,939,250 | 2,882 |
| Average equity | $21,610,500 | 2,992 |
| Average total loans | $131,914,500 | 2,833 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1487% | 3,156 |
| Cost of funding earning assets | 0.1737% | 6,114 |
| Net interest margin | 3.9750% | 1,887 |
| Noninterest income to average assets | 1.3783% | 638 |
| Noninterest expense to average assets | 3.3602% | 1,784 |
| Loan and lease loss provision to assets | 0.1274% | 1,938 |
| Net operating income to assets | 1.0390% | 2,171 |
| Return on assets (ROA) | 1.0390% | 2,237 |
| Pretax return on assets | 1.5665% | 1,343 |
| Return on Equity (ROE) | 10.2442% | 2,037 |
| Retained earnings to average equity (ytd only) | 9.3444% | 871 |
| Net charge-offs to loans | 0.0703% | 3,000 |
| Credit loss provision to net charge-offs | 291.3043% | 878 |
| Earnings coverage of net charge-offs (x) | 38.7391% | 1,082 |
| Efficiency ratio | 66.4849% | 4,286 |
| Assets per employee ($millions) | 2.2005% | 6,439 |
| Cash dividends to net income (ytd only)* | 8.7832% | 3,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3166% | 3,767 |
| Loan loss allowance to noncurrent loans | 202.5375% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.7309% | 3,782 |
| Noncurrent loans to loans | 0.6501% | 4,083 |
| Net loans and leases to total assets | 62.3049% | 3,358 |
| Net loans and leases to deposits | 70.5239% | 3,751 |
| Net loans and leases to core deposits | 73.9050% | 3,851 |
| Total domestic deposits to total assets | 88.3458% | 1,712 |
| Equity capital to assets | 10.3510% | 3,622 |
| Core capital (leverage) ratio | 10.2330% | 3,288 |
| Tier 1 risk-based capital ratio | 17.4157% | 2,457 |
| Total risk-based capital ratio | 18.6676% | 2,416 |
| Memoranda: | ||
| Average total assets | $210,404,670 | 2,911 |
| Average earning assets | $194,564,670 | 2,901 |
| Average equity | $21,339,000 | 3,014 |
| Average total loans | $130,904,330 | 2,858 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0853% | 3,347 |
| Cost of funding earning assets | 0.1770% | 6,189 |
| Net interest margin | 3.9083% | 2,058 |
| Noninterest income to average assets | 1.3106% | 657 |
| Noninterest expense to average assets | 3.0174% | 2,807 |
| Loan and lease loss provision to assets | 0.0762% | 2,619 |
| Net operating income to assets | 1.2172% | 1,437 |
| Return on assets (ROA) | 1.2172% | 1,494 |
| Pretax return on assets | 1.8344% | 760 |
| Return on Equity (ROE) | 12.1278% | 1,378 |
| Retained earnings to average equity (ytd only) | 11.2168% | 717 |
| Net charge-offs to loans | 0.0709% | 2,439 |
| Credit loss provision to net charge-offs | 173.9130% | 1,143 |
| Earnings coverage of net charge-offs (x) | 43.6087% | 833 |
| Efficiency ratio | 61.2292% | 5,240 |
| Assets per employee ($millions) | 2.3393% | 6,454 |
| Cash dividends to net income (ytd only)* | 7.5117% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 4,218 |
| Loan loss allowance to noncurrent loans | 187.2222% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.7746% | 3,808 |
| Noncurrent loans to loans | 0.6845% | 4,156 |
| Net loans and leases to total assets | 60.3125% | 3,504 |
| Net loans and leases to deposits | 67.9652% | 3,858 |
| Net loans and leases to core deposits | 71.0445% | 3,979 |
| Total domestic deposits to total assets | 88.7403% | 1,808 |
| Equity capital to assets | 9.9201% | 3,941 |
| Core capital (leverage) ratio | 10.2612% | 3,206 |
| Tier 1 risk-based capital ratio | 16.9479% | 2,717 |
| Total risk-based capital ratio | 18.1987% | 2,665 |
| Memoranda: | ||
| Average total assets | $209,984,500 | 2,934 |
| Average earning assets | $194,353,500 | 2,916 |
| Average equity | $21,075,500 | 3,042 |
| Average total loans | $129,670,500 | 2,883 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9644% | 4,221 |
| Cost of funding earning assets | 0.2055% | 6,256 |
| Net interest margin | 3.7589% | 2,808 |
| Noninterest income to average assets | 1.4390% | 671 |
| Noninterest expense to average assets | 3.0592% | 2,869 |
| Loan and lease loss provision to assets | 0.1621% | 2,256 |
| Net operating income to assets | 1.1400% | 1,793 |
| Return on assets (ROA) | 1.1400% | 1,859 |
| Pretax return on assets | 1.7427% | 867 |
| Return on Equity (ROE) | 11.4009% | 1,633 |
| Retained earnings to average equity (ytd only) | 1.0495% | 5,367 |
| Net charge-offs to loans | 0.1711% | 3,117 |
| Credit loss provision to net charge-offs | 162.3256% | 1,408 |
| Earnings coverage of net charge-offs (x) | 19.0791% | 1,626 |
| Efficiency ratio | 61.5622% | 5,282 |
| Assets per employee ($millions) | 2.3006% | 6,523 |
| Cash dividends to net income (ytd only)* | 90.7943% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 4,119 |
| Loan loss allowance to noncurrent loans | 178.7781% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.8293% | 3,818 |
| Noncurrent loans to loans | 0.7298% | 4,137 |
| Net loans and leases to total assets | 61.6283% | 3,418 |
| Net loans and leases to deposits | 70.8056% | 3,678 |
| Net loans and leases to core deposits | 74.3764% | 3,801 |
| Total domestic deposits to total assets | 87.0388% | 2,704 |
| Equity capital to assets | 10.1592% | 3,560 |
| Core capital (leverage) ratio | 10.0117% | 3,556 |
| Tier 1 risk-based capital ratio | 16.9739% | 2,622 |
| Total risk-based capital ratio | 18.2254% | 2,583 |
| Memoranda: | ||
| Average total assets | $215,353,200 | 2,857 |
| Average earning assets | $201,947,400 | 2,806 |
| Average equity | $21,533,400 | 2,979 |
| Average total loans | $125,639,600 | 2,921 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9170% | 4,439 |
| Cost of funding earning assets | 0.2069% | 6,375 |
| Net interest margin | 3.7102% | 2,994 |
| Noninterest income to average assets | 1.4458% | 705 |
| Noninterest expense to average assets | 3.0213% | 2,916 |
| Loan and lease loss provision to assets | 0.1370% | 2,574 |
| Net operating income to assets | 1.1584% | 1,780 |
| Return on assets (ROA) | 1.1584% | 1,847 |
| Pretax return on assets | 1.7755% | 952 |
| Return on Equity (ROE) | 11.6283% | 1,608 |
| Retained earnings to average equity (ytd only) | 10.7504% | 627 |
| Net charge-offs to loans | 0.1759% | 2,816 |
| Credit loss provision to net charge-offs | 135.7576% | 1,734 |
| Earnings coverage of net charge-offs (x) | 18.9519% | 1,650 |
| Efficiency ratio | 61.1504% | 5,253 |
| Assets per employee ($millions) | 2.3264% | 6,582 |
| Cash dividends to net income (ytd only)* | 7.5501% | 3,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 4,600 |
| Loan loss allowance to noncurrent loans | 327.1047% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.5975% | 4,647 |
| Noncurrent loans to loans | 0.3849% | 5,240 |
| Net loans and leases to total assets | 59.6653% | 3,744 |
| Net loans and leases to deposits | 67.8763% | 4,074 |
| Net loans and leases to core deposits | 71.1889% | 4,192 |
| Total domestic deposits to total assets | 87.9029% | 2,193 |
| Equity capital to assets | 10.7158% | 3,049 |
| Core capital (leverage) ratio | 10.5261% | 2,978 |
| Tier 1 risk-based capital ratio | 18.5235% | 2,134 |
| Total risk-based capital ratio | 19.7746% | 2,105 |
| Memoranda: | ||
| Average total assets | $218,004,000 | 2,854 |
| Average earning assets | $204,945,500 | 2,810 |
| Average equity | $21,716,500 | 2,990 |
| Average total loans | $125,086,500 | 2,956 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8794% | 4,549 |
| Cost of funding earning assets | 0.2174% | 6,384 |
| Net interest margin | 3.6620% | 3,126 |
| Noninterest income to average assets | 1.3736% | 831 |
| Noninterest expense to average assets | 3.0342% | 2,892 |
| Loan and lease loss provision to assets | 0.1485% | 2,478 |
| Net operating income to assets | 1.0666% | 2,050 |
| Return on assets (ROA) | 1.0666% | 2,169 |
| Pretax return on assets | 1.6380% | 1,258 |
| Return on Equity (ROE) | 10.9700% | 1,818 |
| Retained earnings to average equity (ytd only) | 10.0854% | 826 |
| Net charge-offs to loans | 0.1653% | 2,793 |
| Credit loss provision to net charge-offs | 159.2233% | 1,459 |
| Earnings coverage of net charge-offs (x) | 19.1553% | 1,517 |
| Efficiency ratio | 62.8099% | 5,047 |
| Assets per employee ($millions) | 2.3617% | 6,605 |
| Cash dividends to net income (ytd only)* | 8.0645% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 4,637 |
| Loan loss allowance to noncurrent loans | 192.4005% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.5784% | 4,807 |
| Noncurrent loans to loans | 0.6610% | 4,618 |
| Net loans and leases to total assets | 57.6182% | 4,044 |
| Net loans and leases to deposits | 65.0315% | 4,371 |
| Net loans and leases to core deposits | 67.9062% | 4,508 |
| Total domestic deposits to total assets | 88.6005% | 1,852 |
| Equity capital to assets | 10.1050% | 3,782 |
| Core capital (leverage) ratio | 9.8390% | 3,737 |
| Tier 1 risk-based capital ratio | 17.9523% | 2,327 |
| Total risk-based capital ratio | 19.2029% | 2,296 |
| Memoranda: | ||
| Average total assets | $220,881,000 | 2,828 |
| Average earning assets | $207,920,000 | 2,774 |
| Average equity | $21,476,670 | 3,036 |
| Average total loans | $124,610,000 | 2,977 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8805% | 4,548 |
| Cost of funding earning assets | 0.2253% | 6,440 |
| Net interest margin | 3.6553% | 3,056 |
| Noninterest income to average assets | 1.3526% | 840 |
| Noninterest expense to average assets | 2.9607% | 3,114 |
| Loan and lease loss provision to assets | 0.1608% | 2,263 |
| Net operating income to assets | 1.0953% | 1,874 |
| Return on assets (ROA) | 1.0953% | 1,984 |
| Pretax return on assets | 1.6814% | 1,123 |
| Return on Equity (ROE) | 11.4813% | 1,563 |
| Retained earnings to average equity (ytd only) | 10.5823% | 966 |
| Net charge-offs to loans | 0.1578% | 2,459 |
| Credit loss provision to net charge-offs | 183.6735% | 1,170 |
| Earnings coverage of net charge-offs (x) | 21.0408% | 1,171 |
| Efficiency ratio | 61.5327% | 5,369 |
| Assets per employee ($millions) | 2.5182% | 6,567 |
| Cash dividends to net income (ytd only)* | 7.8303% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 4,848 |
| Loan loss allowance to noncurrent loans | 167.0201% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.5368% | 5,053 |
| Noncurrent loans to loans | 0.7603% | 4,608 |
| Net loans and leases to total assets | 54.6369% | 4,308 |
| Net loans and leases to deposits | 61.3600% | 4,636 |
| Net loans and leases to core deposits | 64.1083% | 4,731 |
| Total domestic deposits to total assets | 89.0432% | 1,658 |
| Equity capital to assets | 9.6401% | 4,658 |
| Core capital (leverage) ratio | 9.4192% | 4,211 |
| Tier 1 risk-based capital ratio | 17.1975% | 2,678 |
| Total risk-based capital ratio | 18.4479% | 2,645 |
| Memoranda: | ||
| Average total assets | $223,865,000 | 2,835 |
| Average earning assets | $211,310,500 | 2,757 |
| Average equity | $21,356,500 | 3,096 |
| Average total loans | $124,203,000 | 3,005 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9868% | 5,351 |
| Cost of funding earning assets | 0.3186% | 6,368 |
| Net interest margin | 3.6683% | 3,789 |
| Noninterest income to average assets | 1.5185% | 682 |
| Noninterest expense to average assets | 2.9615% | 3,420 |
| Loan and lease loss provision to assets | 0.1163% | 4,176 |
| Net operating income to assets | 1.2991% | 1,299 |
| Return on assets (ROA) | 1.2991% | 1,447 |
| Pretax return on assets | 1.9063% | 749 |
| Return on Equity (ROE) | 14.6397% | 885 |
| Retained earnings to average equity (ytd only) | 10.4273% | 520 |
| Net charge-offs to loans | 0.1417% | 4,275 |
| Credit loss provision to net charge-offs | 157.7381% | 1,704 |
| Earnings coverage of net charge-offs (x) | 27.4405% | 1,071 |
| Efficiency ratio | 59.3046% | 5,653 |
| Assets per employee ($millions) | 2.4573% | 6,647 |
| Cash dividends to net income (ytd only)* | 28.7741% | 3,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 4,965 |
| Loan loss allowance to noncurrent loans | 127.6206% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.6341% | 4,884 |
| Noncurrent loans to loans | 0.9664% | 4,263 |
| Net loans and leases to total assets | 54.9371% | 4,462 |
| Net loans and leases to deposits | 61.6974% | 4,817 |
| Net loans and leases to core deposits | 64.6692% | 4,881 |
| Total domestic deposits to total assets | 89.0427% | 1,533 |
| Equity capital to assets | 9.4395% | 4,950 |
| Core capital (leverage) ratio | 9.0002% | 4,899 |
| Tier 1 risk-based capital ratio | 16.5763% | 2,849 |
| Total risk-based capital ratio | 17.8107% | 2,831 |
| Memoranda: | ||
| Average total assets | $227,924,000 | 2,748 |
| Average earning assets | $215,333,000 | 2,673 |
| Average equity | $20,225,800 | 3,177 |
| Average total loans | $118,518,800 | 3,110 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9743% | 5,586 |
| Cost of funding earning assets | 0.3327% | 6,452 |
| Net interest margin | 3.6415% | 4,049 |
| Noninterest income to average assets | 1.5248% | 639 |
| Noninterest expense to average assets | 2.9204% | 3,517 |
| Loan and lease loss provision to assets | 0.1194% | 4,058 |
| Net operating income to assets | 1.2780% | 1,498 |
| Return on assets (ROA) | 1.2780% | 1,645 |
| Pretax return on assets | 1.9260% | 821 |
| Return on Equity (ROE) | 14.6291% | 973 |
| Retained earnings to average equity (ytd only) | 13.6761% | 326 |
| Net charge-offs to loans | 0.1196% | 4,176 |
| Credit loss provision to net charge-offs | 195.2381% | 1,426 |
| Earnings coverage of net charge-offs (x) | 33.4563% | 1,004 |
| Efficiency ratio | 58.6939% | 5,697 |
| Assets per employee ($millions) | 2.6715% | 6,530 |
| Cash dividends to net income (ytd only)* | 6.5147% | 3,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 5,042 |
| Loan loss allowance to noncurrent loans | 103.7812% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.6759% | 4,993 |
| Noncurrent loans to loans | 1.2055% | 4,040 |
| Net loans and leases to total assets | 51.6040% | 5,102 |
| Net loans and leases to deposits | 57.5012% | 5,481 |
| Net loans and leases to core deposits | 60.2014% | 5,536 |
| Total domestic deposits to total assets | 89.7442% | 972 |
| Equity capital to assets | 8.9759% | 5,846 |
| Core capital (leverage) ratio | 8.7000% | 5,476 |
| Tier 1 risk-based capital ratio | 16.4599% | 3,026 |
| Total risk-based capital ratio | 17.6917% | 3,001 |
| Memoranda: | ||
| Average total assets | $229,001,500 | 2,764 |
| Average earning assets | $216,386,250 | 2,680 |
| Average equity | $20,005,250 | 3,235 |
| Average total loans | $117,053,250 | 3,184 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0414% | 5,511 |
| Cost of funding earning assets | 0.3519% | 6,504 |
| Net interest margin | 3.6895% | 3,874 |
| Noninterest income to average assets | 1.5200% | 637 |
| Noninterest expense to average assets | 2.9281% | 3,512 |
| Loan and lease loss provision to assets | 0.1022% | 4,243 |
| Net operating income to assets | 1.3165% | 1,397 |
| Return on assets (ROA) | 1.3165% | 1,549 |
| Pretax return on assets | 1.9729% | 726 |
| Return on Equity (ROE) | 15.2141% | 901 |
| Retained earnings to average equity (ytd only) | 14.2467% | 328 |
| Net charge-offs to loans | 0.0869% | 4,282 |
| Credit loss provision to net charge-offs | 232.0000% | 1,228 |
| Earnings coverage of net charge-offs (x) | 47.1000% | 768 |
| Efficiency ratio | 58.4008% | 5,813 |
| Assets per employee ($millions) | 2.5883% | 6,669 |
| Cash dividends to net income (ytd only)* | 6.3588% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2897% | 4,933 |
| Loan loss allowance to noncurrent loans | 272.2826% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.2802% | 6,076 |
| Noncurrent loans to loans | 0.4737% | 5,586 |
| Net loans and leases to total assets | 48.8405% | 5,512 |
| Net loans and leases to deposits | 54.1715% | 5,850 |
| Net loans and leases to core deposits | 56.9070% | 5,870 |
| Total domestic deposits to total assets | 90.1590% | 837 |
| Equity capital to assets | 8.6229% | 6,103 |
| Core capital (leverage) ratio | 8.6273% | 5,478 |
| Tier 1 risk-based capital ratio | 16.5057% | 2,912 |
| Total risk-based capital ratio | 17.7536% | 2,875 |
| Memoranda: | ||
| Average total assets | $226,970,000 | 2,788 |
| Average earning assets | $214,284,000 | 2,711 |
| Average equity | $19,639,670 | 3,266 |
| Average total loans | $115,119,000 | 3,232 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1553% | 5,265 |
| Cost of funding earning assets | 0.3733% | 6,537 |
| Net interest margin | 3.7821% | 3,476 |
| Noninterest income to average assets | 1.4011% | 733 |
| Noninterest expense to average assets | 2.9153% | 3,560 |
| Loan and lease loss provision to assets | 0.1132% | 3,940 |
| Net operating income to assets | 1.2987% | 1,464 |
| Return on assets (ROA) | 1.2987% | 1,631 |
| Pretax return on assets | 1.9399% | 818 |
| Return on Equity (ROE) | 14.9810% | 974 |
| Retained earnings to average equity (ytd only) | 13.9864% | 566 |
| Net charge-offs to loans | 0.0909% | 3,611 |
| Credit loss provision to net charge-offs | 242.3077% | 1,173 |
| Earnings coverage of net charge-offs (x) | 43.9615% | 696 |
| Efficiency ratio | 58.5683% | 5,838 |
| Assets per employee ($millions) | 2.6008% | 6,742 |
| Cash dividends to net income (ytd only)* | 6.6390% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2965% | 5,040 |
| Loan loss allowance to noncurrent loans | 231.0345% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.3583% | 5,985 |
| Noncurrent loans to loans | 0.5612% | 5,537 |
| Net loans and leases to total assets | 49.0316% | 5,429 |
| Net loans and leases to deposits | 54.4158% | 5,767 |
| Net loans and leases to core deposits | 57.3443% | 5,776 |
| Total domestic deposits to total assets | 90.1054% | 1,027 |
| Equity capital to assets | 8.5646% | 6,025 |
| Core capital (leverage) ratio | 8.5336% | 5,537 |
| Tier 1 risk-based capital ratio | 16.2950% | 3,018 |
| Total risk-based capital ratio | 17.5448% | 2,980 |
| Memoranda: | ||
| Average total assets | $222,687,000 | 2,854 |
| Average earning assets | $210,043,500 | 2,772 |
| Average equity | $19,304,500 | 3,309 |
| Average total loans | $114,408,500 | 3,266 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4733% | 5,169 |
| Cost of funding earning assets | 0.6183% | 5,991 |
| Net interest margin | 3.8550% | 3,544 |
| Noninterest income to average assets | 1.3611% | 696 |
| Noninterest expense to average assets | 2.9443% | 3,797 |
| Loan and lease loss provision to assets | 0.0327% | 6,155 |
| Net operating income to assets | 1.3166% | 1,200 |
| Return on assets (ROA) | 1.3166% | 1,301 |
| Pretax return on assets | 1.9719% | 561 |
| Return on Equity (ROE) | 15.3690% | 691 |
| Retained earnings to average equity (ytd only) | 6.0702% | 1,978 |
| Net charge-offs to loans | 0.0971% | 5,376 |
| Credit loss provision to net charge-offs | 65.4545% | 5,011 |
| Earnings coverage of net charge-offs (x) | 40.1273% | 676 |
| Efficiency ratio | 59.3741% | 5,848 |
| Assets per employee ($millions) | 2.5175% | 6,816 |
| Cash dividends to net income (ytd only)* | 60.5036% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 5,183 |
| Loan loss allowance to noncurrent loans | 228.8217% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.3727% | 6,046 |
| Noncurrent loans to loans | 0.5455% | 5,625 |
| Net loans and leases to total assets | 52.5106% | 5,231 |
| Net loans and leases to deposits | 58.8900% | 5,607 |
| Net loans and leases to core deposits | 62.2995% | 5,625 |
| Total domestic deposits to total assets | 89.1673% | 1,441 |
| Equity capital to assets | 8.7792% | 5,819 |
| Core capital (leverage) ratio | 8.5007% | 5,561 |
| Tier 1 risk-based capital ratio | 16.0295% | 3,030 |
| Total risk-based capital ratio | 17.2763% | 2,986 |
| Memoranda: | ||
| Average total assets | $220,188,200 | 2,836 |
| Average earning assets | $204,926,600 | 2,790 |
| Average equity | $18,862,600 | 3,300 |
| Average total loans | $113,299,800 | 3,307 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5211% | 5,198 |
| Cost of funding earning assets | 0.6710% | 5,927 |
| Net interest margin | 3.8502% | 3,614 |
| Noninterest income to average assets | 1.3230% | 748 |
| Noninterest expense to average assets | 2.9209% | 3,834 |
| Loan and lease loss provision to assets | 0.0398% | 5,947 |
| Net operating income to assets | 1.3049% | 1,364 |
| Return on assets (ROA) | 1.3049% | 1,452 |
| Pretax return on assets | 1.9332% | 722 |
| Return on Equity (ROE) | 15.3255% | 784 |
| Retained earnings to average equity (ytd only) | 15.3255% | 208 |
| Net charge-offs to loans | 0.0933% | 5,041 |
| Credit loss provision to net charge-offs | 83.5443% | 4,015 |
| Earnings coverage of net charge-offs (x) | 41.4180% | 753 |
| Efficiency ratio | 59.5614% | 5,786 |
| Assets per employee ($millions) | 2.5557% | 6,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 5,175 |
| Loan loss allowance to noncurrent loans | 218.5351% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.3755% | 6,138 |
| Noncurrent loans to loans | 0.5788% | 5,717 |
| Net loans and leases to total assets | 51.3267% | 5,540 |
| Net loans and leases to deposits | 57.8897% | 5,848 |
| Net loans and leases to core deposits | 61.3532% | 5,871 |
| Total domestic deposits to total assets | 88.6629% | 1,652 |
| Equity capital to assets | 9.0510% | 5,688 |
| Core capital (leverage) ratio | 8.7864% | 5,286 |
| Tier 1 risk-based capital ratio | 16.7302% | 2,751 |
| Total risk-based capital ratio | 17.9799% | 2,725 |
| Memoranda: | ||
| Average total assets | $221,110,000 | 2,831 |
| Average earning assets | $205,077,500 | 2,798 |
| Average equity | $18,826,500 | 3,309 |
| Average total loans | $112,844,000 | 3,353 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5219% | 5,286 |
| Cost of funding earning assets | 0.7311% | 5,774 |
| Net interest margin | 3.7909% | 3,824 |
| Noninterest income to average assets | 1.2424% | 815 |
| Noninterest expense to average assets | 2.9652% | 3,773 |
| Loan and lease loss provision to assets | 0.0399% | 5,812 |
| Net operating income to assets | 1.1681% | 1,671 |
| Return on assets (ROA) | 1.1681% | 1,749 |
| Pretax return on assets | 1.7336% | 984 |
| Return on Equity (ROE) | 14.0157% | 977 |
| Retained earnings to average equity (ytd only) | 14.0157% | 315 |
| Net charge-offs to loans | 0.0750% | 4,898 |
| Credit loss provision to net charge-offs | 104.7619% | 2,947 |
| Earnings coverage of net charge-offs (x) | 46.5952% | 663 |
| Efficiency ratio | 62.4402% | 5,514 |
| Assets per employee ($millions) | 2.5828% | 6,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3063% | 5,031 |
| Loan loss allowance to noncurrent loans | 305.7971% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.3088% | 6,356 |
| Noncurrent loans to loans | 0.4272% | 6,047 |
| Net loans and leases to total assets | 49.6613% | 5,869 |
| Net loans and leases to deposits | 55.9283% | 6,142 |
| Net loans and leases to core deposits | 59.0940% | 6,184 |
| Total domestic deposits to total assets | 88.7947% | 1,671 |
| Equity capital to assets | 8.5507% | 6,129 |
| Core capital (leverage) ratio | 8.3007% | 5,870 |
| Tier 1 risk-based capital ratio | 16.2117% | 2,875 |
| Total risk-based capital ratio | 17.4625% | 2,842 |
| Memoranda: | ||
| Average total assets | $220,696,670 | 2,854 |
| Average earning assets | $203,541,000 | 2,829 |
| Average equity | $18,393,670 | 3,350 |
| Average total loans | $111,929,670 | 3,414 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4559% | 5,498 |
| Cost of funding earning assets | 0.7608% | 5,798 |
| Net interest margin | 3.6951% | 4,137 |
| Noninterest income to average assets | 1.2017% | 883 |
| Noninterest expense to average assets | 2.9301% | 3,945 |
| Loan and lease loss provision to assets | 0.0201% | 5,700 |
| Net operating income to assets | 1.0883% | 1,881 |
| Return on assets (ROA) | 1.0883% | 1,926 |
| Pretax return on assets | 1.6626% | 1,051 |
| Return on Equity (ROE) | 13.2344% | 1,141 |
| Retained earnings to average equity (ytd only) | 13.2344% | 555 |
| Net charge-offs to loans | 0.0251% | 4,737 |
| Credit loss provision to net charge-offs | 157.1429% | 1,830 |
| Earnings coverage of net charge-offs (x) | 131.4286% | 241 |
| Efficiency ratio | 63.4021% | 5,459 |
| Assets per employee ($millions) | 2.6621% | 6,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3332% | 4,977 |
| Loan loss allowance to noncurrent loans | 197.4633% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.3835% | 6,244 |
| Noncurrent loans to loans | 0.6752% | 5,677 |
| Net loans and leases to total assets | 47.8101% | 6,100 |
| Net loans and leases to deposits | 53.4688% | 6,347 |
| Net loans and leases to core deposits | 56.4957% | 6,367 |
| Total domestic deposits to total assets | 89.4169% | 1,522 |
| Equity capital to assets | 7.9710% | 6,526 |
| Core capital (leverage) ratio | 8.2300% | 5,936 |
| Tier 1 risk-based capital ratio | 15.7333% | 3,035 |
| Total risk-based capital ratio | 16.9838% | 2,995 |
| Memoranda: | ||
| Average total assets | $218,692,000 | 2,893 |
| Average earning assets | $201,889,000 | 2,869 |
| Average equity | $17,983,500 | 3,396 |
| Average total loans | $111,360,000 | 3,459 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0506% | 4,313 |
| Cost of funding earning assets | 0.9995% | 5,697 |
| Net interest margin | 4.0511% | 2,801 |
| Noninterest income to average assets | 1.4027% | 739 |
| Noninterest expense to average assets | 3.1570% | 3,246 |
| Loan and lease loss provision to assets | 0.1706% | 5,519 |
| Net operating income to assets | 1.2139% | 1,381 |
| Return on assets (ROA) | 1.2139% | 1,458 |
| Pretax return on assets | 1.8021% | 761 |
| Return on Equity (ROE) | 14.4118% | 813 |
| Retained earnings to average equity (ytd only) | 7.8615% | 1,026 |
| Net charge-offs to loans | 0.2686% | 4,682 |
| Credit loss provision to net charge-offs | 115.7191% | 3,730 |
| Earnings coverage of net charge-offs (x) | 13.3813% | 1,415 |
| Efficiency ratio | 61.4187% | 5,825 |
| Assets per employee ($millions) | 2.4238% | 7,103 |
| Cash dividends to net income (ytd only)* | 45.4509% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3195% | 4,902 |
| Loan loss allowance to noncurrent loans | 214.3895% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.3920% | 6,292 |
| Noncurrent loans to loans | 0.6155% | 5,818 |
| Net loans and leases to total assets | 52.9205% | 5,793 |
| Net loans and leases to deposits | 59.9268% | 6,066 |
| Net loans and leases to core deposits | 63.3785% | 6,112 |
| Total domestic deposits to total assets | 88.3086% | 2,056 |
| Equity capital to assets | 8.5002% | 5,856 |
| Core capital (leverage) ratio | 8.4603% | 5,435 |
| Tier 1 risk-based capital ratio | 15.7910% | 2,847 |
| Total risk-based capital ratio | 17.0420% | 2,813 |
| Memoranda: | ||
| Average total assets | $202,820,200 | 3,068 |
| Average earning assets | $186,593,400 | 3,046 |
| Average equity | $17,083,200 | 3,577 |
| Average total loans | $111,307,000 | 3,515 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1117% | 4,258 |
| Cost of funding earning assets | 1.0399% | 5,743 |
| Net interest margin | 4.0718% | 2,749 |
| Noninterest income to average assets | 1.4107% | 684 |
| Noninterest expense to average assets | 3.1563% | 3,083 |
| Loan and lease loss provision to assets | 0.2158% | 4,906 |
| Net operating income to assets | 1.1929% | 1,609 |
| Return on assets (ROA) | 1.1929% | 1,695 |
| Pretax return on assets | 1.7840% | 957 |
| Return on Equity (ROE) | 14.1960% | 990 |
| Retained earnings to average equity (ytd only) | 9.4693% | 917 |
| Net charge-offs to loans | 0.3178% | 4,067 |
| Credit loss provision to net charge-offs | 123.0189% | 3,339 |
| Earnings coverage of net charge-offs (x) | 11.4001% | 1,795 |
| Efficiency ratio | 61.0861% | 5,774 |
| Assets per employee ($millions) | 2.3786% | 7,221 |
| Cash dividends to net income (ytd only)* | 33.2963% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3227% | 4,840 |
| Loan loss allowance to noncurrent loans | 176.0047% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.4629% | 6,267 |
| Noncurrent loans to loans | 0.7515% | 5,701 |
| Net loans and leases to total assets | 54.3029% | 5,800 |
| Net loans and leases to deposits | 61.4936% | 6,170 |
| Net loans and leases to core deposits | 64.7501% | 6,237 |
| Total domestic deposits to total assets | 88.3066% | 1,786 |
| Equity capital to assets | 8.6781% | 6,060 |
| Core capital (leverage) ratio | 8.4915% | 5,522 |
| Tier 1 risk-based capital ratio | 15.8633% | 2,833 |
| Total risk-based capital ratio | 17.1148% | 2,775 |
| Memoranda: | ||
| Average total assets | $201,414,500 | 3,117 |
| Average earning assets | $185,271,250 | 3,108 |
| Average equity | $16,924,500 | 3,650 |
| Average total loans | $111,187,750 | 3,579 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1139% | 4,379 |
| Cost of funding earning assets | 1.0865% | 5,752 |
| Net interest margin | 4.0274% | 2,887 |
| Noninterest income to average assets | 1.3126% | 738 |
| Noninterest expense to average assets | 3.1592% | 3,053 |
| Loan and lease loss provision to assets | 0.2695% | 4,235 |
| Net operating income to assets | 1.0740% | 1,937 |
| Return on assets (ROA) | 1.0740% | 2,010 |
| Pretax return on assets | 1.5951% | 1,321 |
| Return on Equity (ROE) | 12.9260% | 1,258 |
| Retained earnings to average equity (ytd only) | 5.7182% | 2,485 |
| Net charge-offs to loans | 0.3071% | 3,779 |
| Credit loss provision to net charge-offs | 158.8235% | 2,477 |
| Earnings coverage of net charge-offs (x) | 10.9882% | 1,817 |
| Efficiency ratio | 62.7459% | 5,563 |
| Assets per employee ($millions) | 2.3981% | 7,231 |
| Cash dividends to net income (ytd only)* | 55.7621% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3760% | 4,551 |
| Loan loss allowance to noncurrent loans | 203.7333% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.4225% | 6,394 |
| Noncurrent loans to loans | 0.6754% | 5,900 |
| Net loans and leases to total assets | 54.3686% | 5,940 |
| Net loans and leases to deposits | 61.4636% | 6,275 |
| Net loans and leases to core deposits | 64.4256% | 6,363 |
| Total domestic deposits to total assets | 88.4565% | 1,754 |
| Equity capital to assets | 8.5058% | 6,157 |
| Core capital (leverage) ratio | 8.1565% | 6,028 |
| Tier 1 risk-based capital ratio | 15.3048% | 3,005 |
| Total risk-based capital ratio | 16.5567% | 2,965 |
| Memoranda: | ||
| Average total assets | $200,366,000 | 3,163 |
| Average earning assets | $184,633,000 | 3,139 |
| Average equity | $16,648,670 | 3,696 |
| Average total loans | $110,726,670 | 3,613 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1439% | 4,326 |
| Cost of funding earning assets | 1.2050% | 5,379 |
| Net interest margin | 3.9390% | 3,157 |
| Noninterest income to average assets | 1.2350% | 804 |
| Noninterest expense to average assets | 3.1307% | 3,136 |
| Loan and lease loss provision to assets | 0.1201% | 5,388 |
| Net operating income to assets | 1.0789% | 1,897 |
| Return on assets (ROA) | 1.0789% | 1,977 |
| Pretax return on assets | 1.6094% | 1,240 |
| Return on Equity (ROE) | 13.1415% | 1,224 |
| Retained earnings to average equity (ytd only) | -1.4873% | 6,121 |
| Net charge-offs to loans | 0.0289% | 5,165 |
| Credit loss provision to net charge-offs | 750.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 302 |
| Efficiency ratio | 64.2916% | 5,437 |
| Assets per employee ($millions) | 2.3566% | 7,386 |
| Cash dividends to net income (ytd only)* | 111.3173% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3444% | 4,711 |
| Loan loss allowance to noncurrent loans | 456.7901% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.2191% | 6,911 |
| Noncurrent loans to loans | 0.2943% | 6,734 |
| Net loans and leases to total assets | 53.5884% | 6,079 |
| Net loans and leases to deposits | 60.4706% | 6,420 |
| Net loans and leases to core deposits | 63.3554% | 6,502 |
| Total domestic deposits to total assets | 88.6189% | 1,723 |
| Equity capital to assets | 8.0624% | 6,587 |
| Core capital (leverage) ratio | 8.0246% | 6,201 |
| Tier 1 risk-based capital ratio | 14.8541% | 3,181 |
| Total risk-based capital ratio | 16.1058% | 3,139 |
| Memoranda: | ||
| Average total assets | $199,830,000 | 3,220 |
| Average earning assets | $183,906,500 | 3,206 |
| Average equity | $16,406,000 | 3,760 |
| Average total loans | $110,566,500 | 3,671 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6085% | 3,560 |
| Cost of funding earning assets | 1.3578% | 6,102 |
| Net interest margin | 4.2507% | 1,892 |
| Noninterest income to average assets | 1.4714% | 660 |
| Noninterest expense to average assets | 3.2257% | 3,291 |
| Loan and lease loss provision to assets | 0.1206% | 6,435 |
| Net operating income to assets | 1.3760% | 889 |
| Return on assets (ROA) | 1.3760% | 942 |
| Pretax return on assets | 2.0522% | 368 |
| Return on Equity (ROE) | 17.4728% | 409 |
| Retained earnings to average equity (ytd only) | 7.4765% | 827 |
| Net charge-offs to loans | 0.2276% | 5,195 |
| Credit loss provision to net charge-offs | 95.6175% | 5,795 |
| Earnings coverage of net charge-offs (x) | 17.2311% | 1,201 |
| Efficiency ratio | 59.6315% | 6,537 |
| Assets per employee ($millions) | 2.2385% | 7,535 |
| Cash dividends to net income (ytd only)* | 57.2107% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2860% | 4,839 |
| Loan loss allowance to noncurrent loans | 717.5879% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.1396% | 7,130 |
| Noncurrent loans to loans | 0.1792% | 6,974 |
| Net loans and leases to total assets | 55.6462% | 6,007 |
| Net loans and leases to deposits | 63.0630% | 6,357 |
| Net loans and leases to core deposits | 79.4477% | 6,148 |
| Total domestic deposits to total assets | 88.2391% | 1,863 |
| Equity capital to assets | 8.3618% | 6,110 |
| Core capital (leverage) ratio | 8.0316% | 6,115 |
| Tier 1 risk-based capital ratio | 14.7400% | 3,084 |
| Total risk-based capital ratio | 15.9905% | 3,037 |
| Memoranda: | ||
| Average total assets | $199,059,200 | 3,194 |
| Average earning assets | $183,900,000 | 3,168 |
| Average equity | $15,675,800 | 3,929 |
| Average total loans | $110,287,000 | 3,688 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6393% | 3,639 |
| Cost of funding earning assets | 1.4197% | 6,149 |
| Net interest margin | 4.2195% | 1,974 |
| Noninterest income to average assets | 1.4958% | 659 |
| Noninterest expense to average assets | 3.2408% | 3,152 |
| Loan and lease loss provision to assets | 0.1202% | 6,164 |
| Net operating income to assets | 1.3642% | 1,094 |
| Return on assets (ROA) | 1.3642% | 1,153 |
| Pretax return on assets | 2.0403% | 505 |
| Return on Equity (ROE) | 17.5915% | 493 |
| Retained earnings to average equity (ytd only) | 4.0921% | 2,990 |
| Net charge-offs to loans | 0.2228% | 4,653 |
| Credit loss provision to net charge-offs | 97.8261% | 5,224 |
| Earnings coverage of net charge-offs (x) | 17.5759% | 1,396 |
| Efficiency ratio | 59.8763% | 6,429 |
| Assets per employee ($millions) | 2.2240% | 7,591 |
| Cash dividends to net income (ytd only)* | 76.7384% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 4,536 |
| Loan loss allowance to noncurrent loans | 374.6736% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.2440% | 6,913 |
| Noncurrent loans to loans | 0.3457% | 6,663 |
| Net loans and leases to total assets | 55.2498% | 6,237 |
| Net loans and leases to deposits | 63.1577% | 6,576 |
| Net loans and leases to core deposits | 80.5719% | 6,296 |
| Total domestic deposits to total assets | 87.4790% | 1,900 |
| Equity capital to assets | 8.0149% | 6,837 |
| Core capital (leverage) ratio | 7.7059% | 6,723 |
| Tier 1 risk-based capital ratio | 14.0644% | 3,510 |
| Total risk-based capital ratio | 15.3150% | 3,458 |
| Memoranda: | ||
| Average total assets | $199,576,250 | 3,208 |
| Average earning assets | $184,723,250 | 3,184 |
| Average equity | $15,476,750 | 4,010 |
| Average total loans | $110,097,250 | 3,733 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7078% | 3,491 |
| Cost of funding earning assets | 1.4801% | 6,219 |
| Net interest margin | 4.2277% | 1,886 |
| Noninterest income to average assets | 1.5380% | 634 |
| Noninterest expense to average assets | 3.2320% | 3,227 |
| Loan and lease loss provision to assets | 0.1199% | 5,924 |
| Net operating income to assets | 1.4071% | 1,014 |
| Return on assets (ROA) | 1.4071% | 1,082 |
| Pretax return on assets | 2.0997% | 433 |
| Return on Equity (ROE) | 18.3481% | 464 |
| Retained earnings to average equity (ytd only) | 7.9882% | 1,209 |
| Net charge-offs to loans | 0.1129% | 5,032 |
| Credit loss provision to net charge-offs | 193.5484% | 2,361 |
| Earnings coverage of net charge-offs (x) | 35.8226% | 888 |
| Efficiency ratio | 59.1567% | 6,670 |
| Assets per employee ($millions) | 2.3162% | 7,527 |
| Cash dividends to net income (ytd only)* | 56.4631% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3479% | 3,991 |
| Loan loss allowance to noncurrent loans | 296.4356% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.2535% | 6,841 |
| Noncurrent loans to loans | 0.4547% | 6,387 |
| Net loans and leases to total assets | 55.0051% | 6,337 |
| Net loans and leases to deposits | 62.6504% | 6,693 |
| Net loans and leases to core deposits | 79.6997% | 6,434 |
| Total domestic deposits to total assets | 87.7969% | 1,870 |
| Equity capital to assets | 8.0002% | 6,752 |
| Core capital (leverage) ratio | 7.7174% | 6,727 |
| Tier 1 risk-based capital ratio | 13.3622% | 3,890 |
| Total risk-based capital ratio | 14.6129% | 3,828 |
| Memoranda: | ||
| Average total assets | $200,124,330 | 3,227 |
| Average earning assets | $185,256,330 | 3,198 |
| Average equity | $15,347,670 | 4,052 |
| Average total loans | $109,865,670 | 3,768 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7854% | 3,378 |
| Cost of funding earning assets | 1.5566% | 6,208 |
| Net interest margin | 4.2288% | 1,809 |
| Noninterest income to average assets | 1.7169% | 461 |
| Noninterest expense to average assets | 2.9015% | 4,153 |
| Loan and lease loss provision to assets | 0.1196% | 5,431 |
| Net operating income to assets | 1.7389% | 597 |
| Return on assets (ROA) | 1.7389% | 651 |
| Pretax return on assets | 2.5964% | 218 |
| Return on Equity (ROE) | 23.1707% | 256 |
| Retained earnings to average equity (ytd only) | 21.8952% | 132 |
| Net charge-offs to loans | 0.0549% | 4,700 |
| Credit loss provision to net charge-offs | 400.0000% | 1,293 |
| Earnings coverage of net charge-offs (x) | 90.8000% | 473 |
| Efficiency ratio | 51.5442% | 7,465 |
| Assets per employee ($millions) | 2.4993% | 7,280 |
| Cash dividends to net income (ytd only)* | 5.5046% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3594% | 3,735 |
| Loan loss allowance to noncurrent loans | 426.4368% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.1793% | 6,997 |
| Noncurrent loans to loans | 0.3188% | 6,645 |
| Net loans and leases to total assets | 53.1907% | 6,561 |
| Net loans and leases to deposits | 60.3717% | 6,864 |
| Net loans and leases to core deposits | 76.4358% | 6,644 |
| Total domestic deposits to total assets | 88.1054% | 1,696 |
| Equity capital to assets | 8.0002% | 6,811 |
| Core capital (leverage) ratio | 7.8477% | 6,695 |
| Tier 1 risk-based capital ratio | 13.5554% | 3,828 |
| Total risk-based capital ratio | 14.8055% | 3,758 |
| Memoranda: | ||
| Average total assets | $200,588,500 | 3,236 |
| Average earning assets | $185,018,000 | 3,226 |
| Average equity | $15,053,500 | 4,133 |
| Average total loans | $109,266,000 | 3,804 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7502% | 1,865 |
| Cost of funding earning assets | 2.1260% | 5,944 |
| Net interest margin | 4.6242% | 1,113 |
| Noninterest income to average assets | 1.3140% | 847 |
| Noninterest expense to average assets | 3.0774% | 3,793 |
| Loan and lease loss provision to assets | 0.1278% | 5,730 |
| Net operating income to assets | 1.5824% | 858 |
| Return on assets (ROA) | 1.6116% | 778 |
| Pretax return on assets | 2.4129% | 242 |
| Return on Equity (ROE) | 21.8146% | 262 |
| Retained earnings to average equity (ytd only) | 6.0824% | 1,495 |
| Net charge-offs to loans | 0.0747% | 5,691 |
| Credit loss provision to net charge-offs | 296.2963% | 1,529 |
| Earnings coverage of net charge-offs (x) | 57.9012% | 688 |
| Efficiency ratio | 55.1862% | 7,127 |
| Assets per employee ($millions) | 2.2843% | 7,586 |
| Cash dividends to net income (ytd only)* | 72.1176% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3158% | 3,671 |
| Loan loss allowance to noncurrent loans | 594.6281% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.1293% | 7,068 |
| Noncurrent loans to loans | 0.2213% | 6,727 |
| Net loans and leases to total assets | 54.3078% | 6,619 |
| Net loans and leases to deposits | 61.7336% | 6,966 |
| Net loans and leases to core deposits | 78.5644% | 6,718 |
| Total domestic deposits to total assets | 87.9712% | 1,482 |
| Equity capital to assets | 6.9999% | 7,742 |
| Core capital (leverage) ratio | 6.8444% | 7,799 |
| Tier 1 risk-based capital ratio | 11.5722% | 5,175 |
| Total risk-based capital ratio | 12.8219% | 5,064 |
| Memoranda: | ||
| Average total assets | $187,822,400 | 3,295 |
| Average earning assets | $173,045,800 | 3,284 |
| Average equity | $13,876,000 | 4,368 |
| Average total loans | $108,483,200 | 3,720 |