Home > The First National Bank of Oneida > Performance and Condition Ratios
The First National Bank of Oneida, 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 | 5.1399% | 1,772 |
| Cost of funding earning assets | 1.2409% | 2,689 |
| Net interest margin | 3.8990% | 1,380 |
| Noninterest income to average assets | 0.6400% | 1,394 |
| Noninterest expense to average assets | 2.6136% | 1,968 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5659% | 911 |
| Return on assets (ROA) | 1.5659% | 880 |
| Pretax return on assets | 1.6738% | 1,113 |
| Return on Equity (ROE) | 21.9900% | 459 |
| Retained earnings to average equity (ytd only) | 14.5226% | 362 |
| Net charge-offs to loans | -0.1717% | 4,549 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.9417% | 2,977 |
| Assets per employee ($millions) | 6.0066% | 2,820 |
| Cash dividends to net income (ytd only)* | 33.9572% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6611% | 163 |
| Loan loss allowance to noncurrent loans | 5,268.3673% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 3,449 |
| Noncurrent loans to loans | 0.0505% | 3,364 |
| Net loans and leases to total assets | 60.4600% | 2,808 |
| Net loans and leases to deposits | 66.7021% | 3,128 |
| Net loans and leases to core deposits | 79.5177% | 2,735 |
| Total domestic deposits to total assets | 90.6500% | 593 |
| Equity capital to assets | 8.0281% | 3,397 |
| Core capital (leverage) ratio | 10.9612% | 1,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0533% | 786 |
| Memoranda: | ||
| Average total assets | $310,489,200 | 2,377 |
| Average earning assets | $290,279,400 | 2,350 |
| Average equity | $22,110,400 | 2,687 |
| Average total loans | $184,647,600 | 2,400 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9839% | 1,861 |
| Cost of funding earning assets | 1.1313% | 2,654 |
| Net interest margin | 3.8526% | 1,492 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 2.4359% | 2,421 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6802% | 821 |
| Return on assets (ROA) | 1.6802% | 814 |
| Pretax return on assets | 1.7959% | 1,016 |
| Return on Equity (ROE) | 24.3800% | 413 |
| Retained earnings to average equity (ytd only) | 16.5280% | 423 |
| Net charge-offs to loans | -0.2626% | 4,587 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.5376% | 3,263 |
| Assets per employee ($millions) | 5.7322% | 2,985 |
| Cash dividends to net income (ytd only)* | 32.1986% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8228% | 144 |
| Loan loss allowance to noncurrent loans | 2,641.6244% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 3,191 |
| Noncurrent loans to loans | 0.1069% | 3,036 |
| Net loans and leases to total assets | 57.8800% | 3,036 |
| Net loans and leases to deposits | 62.6964% | 3,356 |
| Net loans and leases to core deposits | 72.8791% | 3,060 |
| Total domestic deposits to total assets | 92.3100% | 400 |
| Equity capital to assets | 6.6454% | 3,776 |
| Core capital (leverage) ratio | 10.7428% | 2,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9883% | 699 |
| Memoranda: | ||
| Average total assets | $310,026,250 | 2,378 |
| Average earning assets | $289,808,750 | 2,365 |
| Average equity | $21,369,250 | 2,729 |
| Average total loans | $182,305,500 | 2,421 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9241% | 1,702 |
| Cost of funding earning assets | 1.0097% | 2,572 |
| Net interest margin | 3.9144% | 1,397 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 2.3553% | 2,640 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7918% | 669 |
| Return on assets (ROA) | 1.7918% | 665 |
| Pretax return on assets | 1.9130% | 846 |
| Return on Equity (ROE) | 25.6900% | 354 |
| Retained earnings to average equity (ytd only) | 18.4140% | 317 |
| Net charge-offs to loans | -0.4317% | 4,633 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.1479% | 3,518 |
| Assets per employee ($millions) | 5.0901% | 3,516 |
| Cash dividends to net income (ytd only)* | 28.3195% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8374% | 150 |
| Loan loss allowance to noncurrent loans | 1,870.7143% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.0900% | 2,907 |
| Noncurrent loans to loans | 0.1517% | 2,713 |
| Net loans and leases to total assets | 56.8400% | 3,058 |
| Net loans and leases to deposits | 61.7230% | 3,322 |
| Net loans and leases to core deposits | 71.6381% | 3,032 |
| Total domestic deposits to total assets | 92.0800% | 396 |
| Equity capital to assets | 7.0326% | 3,779 |
| Core capital (leverage) ratio | 10.3147% | 2,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0750% | 807 |
| Memoranda: | ||
| Average total assets | $310,189,333 | 2,380 |
| Average earning assets | $289,390,667 | 2,374 |
| Average equity | $21,635,667 | 2,728 |
| Average total loans | $181,622,667 | 2,426 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7467% | 1,744 |
| Cost of funding earning assets | 0.8542% | 2,525 |
| Net interest margin | 3.8926% | 1,493 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 2.3715% | 2,604 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7991% | 670 |
| Return on assets (ROA) | 1.7991% | 662 |
| Pretax return on assets | 1.9227% | 881 |
| Return on Equity (ROE) | 25.9000% | 368 |
| Retained earnings to average equity (ytd only) | 18.5424% | 474 |
| Net charge-offs to loans | -0.7350% | 4,671 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.2257% | 3,483 |
| Assets per employee ($millions) | 5.3885% | 3,328 |
| Cash dividends to net income (ytd only)* | 28.4165% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8377% | 153 |
| Loan loss allowance to noncurrent loans | 1,535.9050% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.1091% | 2,759 |
| Noncurrent loans to loans | 0.1848% | 2,555 |
| Net loans and leases to total assets | 56.7100% | 2,985 |
| Net loans and leases to deposits | 61.5965% | 3,251 |
| Net loans and leases to core deposits | 68.1455% | 3,088 |
| Total domestic deposits to total assets | 92.0600% | 498 |
| Equity capital to assets | 7.2008% | 3,729 |
| Core capital (leverage) ratio | 10.1934% | 2,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7621% | 873 |
| Memoranda: | ||
| Average total assets | $307,489,500 | 2,423 |
| Average earning assets | $286,596,500 | 2,419 |
| Average equity | $21,356,500 | 2,766 |
| Average total loans | $180,130,500 | 2,448 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0176% | 1,667 |
| Cost of funding earning assets | 0.5637% | 1,045 |
| Net interest margin | 3.4539% | 2,085 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 2.7034% | 1,548 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1312% | 2,048 |
| Return on assets (ROA) | 1.1312% | 1,992 |
| Pretax return on assets | 1.2033% | 2,426 |
| Return on Equity (ROE) | 15.6300% | 1,116 |
| Retained earnings to average equity (ytd only) | 8.9279% | 1,500 |
| Net charge-offs to loans | -0.3812% | 4,687 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.1988% | 1,796 |
| Assets per employee ($millions) | 5.3060% | 3,415 |
| Cash dividends to net income (ytd only)* | 42.8817% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7241% | 167 |
| Loan loss allowance to noncurrent loans | 1,086.3229% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.1475% | 2,505 |
| Noncurrent loans to loans | 0.2508% | 2,273 |
| Net loans and leases to total assets | 57.2100% | 2,896 |
| Net loans and leases to deposits | 61.8283% | 3,211 |
| Net loans and leases to core deposits | 67.9969% | 3,010 |
| Total domestic deposits to total assets | 92.5200% | 516 |
| Equity capital to assets | 6.6816% | 3,825 |
| Core capital (leverage) ratio | 10.0182% | 2,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2960% | 936 |
| Memoranda: | ||
| Average total assets | $307,981,800 | 2,415 |
| Average earning assets | $289,155,000 | 2,392 |
| Average equity | $22,289,800 | 2,745 |
| Average total loans | $165,512,800 | 2,498 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8682% | 1,556 |
| Cost of funding earning assets | 0.5468% | 587 |
| Net interest margin | 3.3214% | 2,231 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 2.4717% | 2,096 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2322% | 1,580 |
| Return on assets (ROA) | 1.2322% | 1,558 |
| Pretax return on assets | 1.3201% | 1,981 |
| Return on Equity (ROE) | 16.7100% | 855 |
| Retained earnings to average equity (ytd only) | 10.2758% | 1,262 |
| Net charge-offs to loans | -0.3957% | 4,715 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.1853% | 2,388 |
| Assets per employee ($millions) | 5.0936% | 3,596 |
| Cash dividends to net income (ytd only)* | 38.5100% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7472% | 171 |
| Loan loss allowance to noncurrent loans | 1,107.7830% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.1387% | 2,633 |
| Noncurrent loans to loans | 0.2480% | 2,390 |
| Net loans and leases to total assets | 54.4100% | 3,059 |
| Net loans and leases to deposits | 58.2350% | 3,323 |
| Net loans and leases to core deposits | 65.0114% | 3,026 |
| Total domestic deposits to total assets | 93.4300% | 461 |
| Equity capital to assets | 5.8819% | 4,006 |
| Core capital (leverage) ratio | 9.7777% | 2,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6856% | 893 |
| Memoranda: | ||
| Average total assets | $309,366,250 | 2,420 |
| Average earning assets | $290,636,750 | 2,399 |
| Average equity | $22,810,250 | 2,751 |
| Average total loans | $162,426,250 | 2,523 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7350% | 1,456 |
| Cost of funding earning assets | 0.5414% | 416 |
| Net interest margin | 3.1936% | 2,205 |
| Noninterest income to average assets | 0.6349% | 1,599 |
| Noninterest expense to average assets | 2.4616% | 2,050 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1010% | 1,766 |
| Return on assets (ROA) | 1.1010% | 1,743 |
| Pretax return on assets | 1.1777% | 2,142 |
| Return on Equity (ROE) | 14.0040% | 1,114 |
| Retained earnings to average equity (ytd only) | 8.2058% | 1,544 |
| Net charge-offs to loans | -0.0251% | 3,977 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6398% | 2,289 |
| Assets per employee ($millions) | 5.2466% | 3,478 |
| Cash dividends to net income (ytd only)* | 41.4035% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5793% | 230 |
| Loan loss allowance to noncurrent loans | 1,085.6410% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.1286% | 2,809 |
| Noncurrent loans to loans | 0.2376% | 2,528 |
| Net loans and leases to total assets | 51.6608% | 3,197 |
| Net loans and leases to deposits | 55.7666% | 3,403 |
| Net loans and leases to core deposits | 61.6859% | 3,139 |
| Total domestic deposits to total assets | 92.6374% | 603 |
| Equity capital to assets | 6.6286% | 3,961 |
| Core capital (leverage) ratio | 9.4382% | 2,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3845% | 937 |
| Memoranda: | ||
| Average total assets | $310,616,000 | 2,430 |
| Average earning assets | $292,210,667 | 2,422 |
| Average equity | $24,421,667 | 2,715 |
| Average total loans | $159,576,333 | 2,553 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5962% | 1,516 |
| Cost of funding earning assets | 0.5409% | 392 |
| Net interest margin | 3.0553% | 2,311 |
| Noninterest income to average assets | 0.6042% | 1,676 |
| Noninterest expense to average assets | 2.3423% | 2,365 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0554% | 1,670 |
| Return on assets (ROA) | 1.0554% | 1,662 |
| Pretax return on assets | 1.1377% | 2,025 |
| Return on Equity (ROE) | 12.4521% | 1,179 |
| Retained earnings to average equity (ytd only) | 7.0830% | 1,866 |
| Net charge-offs to loans | -0.0432% | 4,209 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3070% | 2,592 |
| Assets per employee ($millions) | 5.3426% | 3,455 |
| Cash dividends to net income (ytd only)* | 43.1181% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7219% | 216 |
| Loan loss allowance to noncurrent loans | 1,443.6860% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.0999% | 3,108 |
| Noncurrent loans to loans | 0.1885% | 2,874 |
| Net loans and leases to total assets | 47.9595% | 3,389 |
| Net loans and leases to deposits | 52.3084% | 3,549 |
| Net loans and leases to core deposits | 57.6936% | 3,322 |
| Total domestic deposits to total assets | 91.6859% | 704 |
| Equity capital to assets | 7.5641% | 3,885 |
| Core capital (leverage) ratio | 9.3365% | 2,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5338% | 965 |
| Memoranda: | ||
| Average total assets | $311,148,000 | 2,443 |
| Average earning assets | $292,864,500 | 2,434 |
| Average equity | $26,373,000 | 2,691 |
| Average total loans | $157,289,000 | 2,574 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7437% | 1,995 |
| Cost of funding earning assets | 0.6532% | 414 |
| Net interest margin | 3.0905% | 2,938 |
| Noninterest income to average assets | 0.6568% | 1,917 |
| Noninterest expense to average assets | 2.4268% | 2,408 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0676% | 2,428 |
| Return on assets (ROA) | 1.0682% | 2,499 |
| Pretax return on assets | 1.1431% | 2,841 |
| Return on Equity (ROE) | 10.8341% | 2,227 |
| Retained earnings to average equity (ytd only) | 5.4903% | 2,569 |
| Net charge-offs to loans | -0.0989% | 4,582 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9923% | 1,983 |
| Assets per employee ($millions) | 5.5833% | 3,178 |
| Cash dividends to net income (ytd only)* | 49.3243% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6474% | 230 |
| Loan loss allowance to noncurrent loans | 1,316.8750% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.1114% | 3,149 |
| Noncurrent loans to loans | 0.2010% | 2,945 |
| Net loans and leases to total assets | 50.4618% | 3,227 |
| Net loans and leases to deposits | 56.1832% | 3,401 |
| Net loans and leases to core deposits | 62.0287% | 3,160 |
| Total domestic deposits to total assets | 89.8165% | 1,055 |
| Equity capital to assets | 9.4121% | 3,213 |
| Core capital (leverage) ratio | 9.3574% | 3,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6530% | 1,129 |
| Memoranda: | ||
| Average total assets | $290,958,400 | 2,476 |
| Average earning assets | $274,196,200 | 2,462 |
| Average equity | $28,687,200 | 2,613 |
| Average total loans | $157,718,400 | 2,567 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7611% | 2,119 |
| Cost of funding earning assets | 0.6785% | 433 |
| Net interest margin | 3.0825% | 3,097 |
| Noninterest income to average assets | 0.6585% | 1,980 |
| Noninterest expense to average assets | 2.2407% | 2,925 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2393% | 2,022 |
| Return on assets (ROA) | 1.2393% | 2,086 |
| Pretax return on assets | 1.3225% | 2,565 |
| Return on Equity (ROE) | 12.4188% | 1,898 |
| Retained earnings to average equity (ytd only) | 7.4736% | 2,237 |
| Net charge-offs to loans | -0.1212% | 4,674 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8847% | 2,555 |
| Assets per employee ($millions) | 5.2666% | 3,433 |
| Cash dividends to net income (ytd only)* | 39.8200% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6308% | 232 |
| Loan loss allowance to noncurrent loans | 1,176.7507% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.1263% | 3,271 |
| Noncurrent loans to loans | 0.2236% | 3,054 |
| Net loans and leases to total assets | 51.7941% | 3,209 |
| Net loans and leases to deposits | 57.8682% | 3,418 |
| Net loans and leases to core deposits | 64.0980% | 3,132 |
| Total domestic deposits to total assets | 89.5036% | 1,008 |
| Equity capital to assets | 9.7256% | 3,173 |
| Core capital (leverage) ratio | 9.5988% | 2,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8890% | 981 |
| Memoranda: | ||
| Average total assets | $286,927,000 | 2,519 |
| Average earning assets | $270,378,250 | 2,504 |
| Average equity | $28,633,250 | 2,642 |
| Average total loans | $157,354,500 | 2,605 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7555% | 2,187 |
| Cost of funding earning assets | 0.7133% | 433 |
| Net interest margin | 3.0422% | 3,204 |
| Noninterest income to average assets | 0.6598% | 1,970 |
| Noninterest expense to average assets | 2.2279% | 2,987 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2212% | 2,105 |
| Return on assets (ROA) | 1.2212% | 2,182 |
| Pretax return on assets | 1.3033% | 2,623 |
| Return on Equity (ROE) | 12.1284% | 2,011 |
| Retained earnings to average equity (ytd only) | 7.1505% | 2,370 |
| Net charge-offs to loans | -0.1622% | 4,751 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0914% | 2,557 |
| Assets per employee ($millions) | 5.1605% | 3,497 |
| Cash dividends to net income (ytd only)* | 41.0435% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6518% | 226 |
| Loan loss allowance to noncurrent loans | 1,131.3514% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.1333% | 3,348 |
| Noncurrent loans to loans | 0.2344% | 3,109 |
| Net loans and leases to total assets | 52.2417% | 3,319 |
| Net loans and leases to deposits | 58.3792% | 3,512 |
| Net loans and leases to core deposits | 64.4655% | 3,248 |
| Total domestic deposits to total assets | 89.4869% | 1,037 |
| Equity capital to assets | 9.8047% | 3,052 |
| Core capital (leverage) ratio | 9.4689% | 2,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4095% | 1,048 |
| Memoranda: | ||
| Average total assets | $282,503,333 | 2,545 |
| Average earning assets | $266,650,333 | 2,524 |
| Average equity | $28,445,667 | 2,645 |
| Average total loans | $156,577,333 | 2,626 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6895% | 2,386 |
| Cost of funding earning assets | 0.7551% | 437 |
| Net interest margin | 2.9344% | 3,428 |
| Noninterest income to average assets | 0.6520% | 2,020 |
| Noninterest expense to average assets | 2.1758% | 3,179 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2433% | 1,999 |
| Return on assets (ROA) | 1.2433% | 2,082 |
| Pretax return on assets | 1.2462% | 2,711 |
| Return on Equity (ROE) | 12.1776% | 1,952 |
| Retained earnings to average equity (ytd only) | 7.1650% | 2,523 |
| Net charge-offs to loans | -0.2924% | 4,845 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5826% | 2,521 |
| Assets per employee ($millions) | 5.0689% | 3,569 |
| Cash dividends to net income (ytd only)* | 41.1628% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6879% | 203 |
| Loan loss allowance to noncurrent loans | 793.1559% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.2000% | 3,157 |
| Noncurrent loans to loans | 0.3389% | 2,883 |
| Net loans and leases to total assets | 52.2763% | 3,418 |
| Net loans and leases to deposits | 58.3934% | 3,607 |
| Net loans and leases to core deposits | 64.4039% | 3,377 |
| Total domestic deposits to total assets | 89.5245% | 1,057 |
| Equity capital to assets | 9.7553% | 2,942 |
| Core capital (leverage) ratio | 9.9661% | 2,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6178% | 980 |
| Memoranda: | ||
| Average total assets | $276,682,000 | 2,563 |
| Average earning assets | $261,174,500 | 2,545 |
| Average equity | $28,248,500 | 2,653 |
| Average total loans | $155,939,500 | 2,637 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6346% | 1,032 |
| Cost of funding earning assets | 0.9223% | 797 |
| Net interest margin | 3.7123% | 1,756 |
| Noninterest income to average assets | 0.7912% | 1,553 |
| Noninterest expense to average assets | 2.7444% | 2,104 |
| Loan and lease loss provision to assets | 0.2951% | 1,276 |
| Net operating income to assets | 1.1634% | 1,674 |
| Return on assets (ROA) | 1.1634% | 1,789 |
| Pretax return on assets | 1.2331% | 2,213 |
| Return on Equity (ROE) | 10.2781% | 1,894 |
| Retained earnings to average equity (ytd only) | 4.4437% | 2,570 |
| Net charge-offs to loans | -0.0271% | 4,501 |
| Credit loss provision to net charge-offs | -1,674.4186% | 4,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2329% | 2,781 |
| Assets per employee ($millions) | 4.4819% | 3,929 |
| Cash dividends to net income (ytd only)* | 56.7653% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5902% | 231 |
| Loan loss allowance to noncurrent loans | 722.0641% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.2322% | 3,127 |
| Noncurrent loans to loans | 0.3587% | 2,913 |
| Net loans and leases to total assets | 57.7108% | 3,118 |
| Net loans and leases to deposits | 65.2153% | 3,342 |
| Net loans and leases to core deposits | 72.3455% | 3,044 |
| Total domestic deposits to total assets | 88.4928% | 1,234 |
| Equity capital to assets | 10.7063% | 2,515 |
| Core capital (leverage) ratio | 10.3876% | 2,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8547% | 920 |
| Memoranda: | ||
| Average total assets | $243,947,400 | 2,623 |
| Average earning assets | $228,781,400 | 2,608 |
| Average equity | $27,612,200 | 2,629 |
| Average total loans | $158,433,600 | 2,573 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8191% | 857 |
| Cost of funding earning assets | 0.9433% | 921 |
| Net interest margin | 3.8758% | 1,416 |
| Noninterest income to average assets | 0.8084% | 1,461 |
| Noninterest expense to average assets | 2.6457% | 2,398 |
| Loan and lease loss provision to assets | 0.4020% | 874 |
| Net operating income to assets | 1.3147% | 1,321 |
| Return on assets (ROA) | 1.3147% | 1,407 |
| Pretax return on assets | 1.3895% | 1,768 |
| Return on Equity (ROE) | 11.4439% | 1,533 |
| Retained earnings to average equity (ytd only) | 6.0986% | 2,062 |
| Net charge-offs to loans | -0.0294% | 4,524 |
| Credit loss provision to net charge-offs | -2,057.1429% | 4,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6251% | 3,443 |
| Assets per employee ($millions) | 4.2039% | 4,144 |
| Cash dividends to net income (ytd only)* | 46.7091% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4810% | 235 |
| Loan loss allowance to noncurrent loans | 564.8536% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.3049% | 2,938 |
| Noncurrent loans to loans | 0.4392% | 2,737 |
| Net loans and leases to total assets | 63.1121% | 2,871 |
| Net loans and leases to deposits | 71.8310% | 3,147 |
| Net loans and leases to core deposits | 79.3228% | 2,903 |
| Total domestic deposits to total assets | 87.8620% | 1,280 |
| Equity capital to assets | 11.2293% | 2,208 |
| Core capital (leverage) ratio | 10.6907% | 2,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3815% | 855 |
| Memoranda: | ||
| Average total assets | $238,825,750 | 2,639 |
| Average earning assets | $223,605,250 | 2,625 |
| Average equity | $27,437,500 | 2,629 |
| Average total loans | $158,875,750 | 2,581 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0399% | 773 |
| Cost of funding earning assets | 0.9494% | 1,153 |
| Net interest margin | 4.0906% | 1,134 |
| Noninterest income to average assets | 0.8594% | 1,263 |
| Noninterest expense to average assets | 2.6669% | 2,475 |
| Loan and lease loss provision to assets | 0.5462% | 617 |
| Net operating income to assets | 1.3826% | 1,150 |
| Return on assets (ROA) | 1.3834% | 1,239 |
| Pretax return on assets | 1.4713% | 1,524 |
| Return on Equity (ROE) | 11.9446% | 1,345 |
| Retained earnings to average equity (ytd only) | 6.4476% | 1,881 |
| Net charge-offs to loans | -0.0076% | 4,129 |
| Credit loss provision to net charge-offs | -10,666.6667% | 4,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9424% | 3,828 |
| Assets per employee ($millions) | 4.1758% | 4,128 |
| Cash dividends to net income (ytd only)* | 46.0210% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4336% | 243 |
| Loan loss allowance to noncurrent loans | 457.7236% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.3728% | 2,808 |
| Noncurrent loans to loans | 0.5317% | 2,573 |
| Net loans and leases to total assets | 63.0614% | 2,997 |
| Net loans and leases to deposits | 71.6906% | 3,288 |
| Net loans and leases to core deposits | 78.9853% | 3,026 |
| Total domestic deposits to total assets | 87.9632% | 1,194 |
| Equity capital to assets | 11.1512% | 2,209 |
| Core capital (leverage) ratio | 10.7191% | 2,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2629% | 874 |
| Memoranda: | ||
| Average total assets | $234,357,000 | 2,647 |
| Average earning assets | $219,090,333 | 2,635 |
| Average equity | $27,142,000 | 2,634 |
| Average total loans | $157,421,333 | 2,588 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9341% | 1,107 |
| Cost of funding earning assets | 0.9671% | 1,578 |
| Net interest margin | 3.9671% | 1,486 |
| Noninterest income to average assets | 1.0660% | 750 |
| Noninterest expense to average assets | 2.8144% | 2,392 |
| Loan and lease loss provision to assets | 0.3182% | 974 |
| Net operating income to assets | 1.5328% | 722 |
| Return on assets (ROA) | 1.5345% | 787 |
| Pretax return on assets | 1.6264% | 999 |
| Return on Equity (ROE) | 12.9826% | 889 |
| Retained earnings to average equity (ytd only) | 7.1045% | 1,501 |
| Net charge-offs to loans | -0.0284% | 4,453 |
| Credit loss provision to net charge-offs | -1,636.3636% | 3,670 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1602% | 3,842 |
| Assets per employee ($millions) | 3.7839% | 4,189 |
| Cash dividends to net income (ytd only)* | 45.2765% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2339% | 358 |
| Loan loss allowance to noncurrent loans | 366.1765% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.4350% | 2,725 |
| Noncurrent loans to loans | 0.6101% | 2,461 |
| Net loans and leases to total assets | 66.0961% | 2,805 |
| Net loans and leases to deposits | 75.7975% | 3,091 |
| Net loans and leases to core deposits | 84.4322% | 2,813 |
| Total domestic deposits to total assets | 87.2008% | 1,468 |
| Equity capital to assets | 11.8408% | 2,187 |
| Core capital (leverage) ratio | 11.5312% | 2,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2220% | 953 |
| Memoranda: | ||
| Average total assets | $226,261,500 | 2,663 |
| Average earning assets | $210,533,500 | 2,660 |
| Average equity | $26,743,500 | 2,655 |
| Average total loans | $155,162,000 | 2,587 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0583% | 1,319 |
| Cost of funding earning assets | 0.8739% | 2,315 |
| Net interest margin | 4.1844% | 1,349 |
| Noninterest income to average assets | 0.7874% | 1,484 |
| Noninterest expense to average assets | 2.9528% | 2,139 |
| Loan and lease loss provision to assets | 0.2996% | 561 |
| Net operating income to assets | 1.3866% | 1,388 |
| Return on assets (ROA) | 1.3866% | 1,468 |
| Pretax return on assets | 1.4563% | 1,952 |
| Return on Equity (ROE) | 12.0328% | 1,498 |
| Retained earnings to average equity (ytd only) | 4.4119% | 2,755 |
| Net charge-offs to loans | 0.1715% | 1,176 |
| Credit loss provision to net charge-offs | 256.6406% | 1,070 |
| Earnings coverage of net charge-offs (x) | 15.0430% | 2,254 |
| Efficiency ratio | 62.7094% | 3,262 |
| Assets per employee ($millions) | 3.8225% | 4,130 |
| Cash dividends to net income (ytd only)* | 63.3344% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1358% | 372 |
| Loan loss allowance to noncurrent loans | 368.1564% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.4745% | 2,510 |
| Noncurrent loans to loans | 0.5801% | 2,445 |
| Net loans and leases to total assets | 68.1001% | 2,668 |
| Net loans and leases to deposits | 78.0387% | 2,999 |
| Net loans and leases to core deposits | 85.8031% | 2,803 |
| Total domestic deposits to total assets | 87.2645% | 1,484 |
| Equity capital to assets | 11.7978% | 2,281 |
| Core capital (leverage) ratio | 11.6505% | 1,999 |
| Tier 1 risk-based capital ratio | 17.7890% | 1,813 |
| Total risk-based capital ratio | 19.0521% | 1,764 |
| Memoranda: | ||
| Average total assets | $219,320,000 | 2,665 |
| Average earning assets | $205,525,200 | 2,653 |
| Average equity | $25,272,600 | 2,698 |
| Average total loans | $149,253,200 | 2,630 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0620% | 1,386 |
| Cost of funding earning assets | 0.8489% | 2,472 |
| Net interest margin | 4.2131% | 1,350 |
| Noninterest income to average assets | 0.7766% | 1,499 |
| Noninterest expense to average assets | 2.8425% | 2,429 |
| Loan and lease loss provision to assets | 0.2329% | 726 |
| Net operating income to assets | 1.5697% | 995 |
| Return on assets (ROA) | 1.5697% | 1,051 |
| Pretax return on assets | 1.6495% | 1,473 |
| Return on Equity (ROE) | 13.7046% | 1,049 |
| Retained earnings to average equity (ytd only) | 6.5942% | 2,060 |
| Net charge-offs to loans | -0.0270% | 4,668 |
| Credit loss provision to net charge-offs | -1,273.3333% | 4,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1600% | 3,612 |
| Assets per employee ($millions) | 3.7149% | 4,263 |
| Cash dividends to net income (ytd only)* | 51.8835% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1515% | 359 |
| Loan loss allowance to noncurrent loans | 364.9007% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.5470% | 2,371 |
| Noncurrent loans to loans | 0.5896% | 2,515 |
| Net loans and leases to total assets | 68.5989% | 2,692 |
| Net loans and leases to deposits | 78.9058% | 3,017 |
| Net loans and leases to core deposits | 86.1046% | 2,900 |
| Total domestic deposits to total assets | 86.9377% | 1,550 |
| Equity capital to assets | 11.9806% | 2,272 |
| Core capital (leverage) ratio | 11.8768% | 1,940 |
| Tier 1 risk-based capital ratio | 17.9140% | 1,846 |
| Total risk-based capital ratio | 19.1771% | 1,782 |
| Memoranda: | ||
| Average total assets | $218,724,250 | 2,697 |
| Average earning assets | $204,973,250 | 2,674 |
| Average equity | $25,051,750 | 2,727 |
| Average total loans | $147,997,750 | 2,667 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0340% | 1,385 |
| Cost of funding earning assets | 0.8204% | 2,546 |
| Net interest margin | 4.2136% | 1,330 |
| Noninterest income to average assets | 0.7714% | 1,435 |
| Noninterest expense to average assets | 2.7268% | 2,820 |
| Loan and lease loss provision to assets | 0.2471% | 627 |
| Net operating income to assets | 1.6809% | 753 |
| Return on assets (ROA) | 1.6809% | 783 |
| Pretax return on assets | 1.7642% | 1,135 |
| Return on Equity (ROE) | 14.9051% | 780 |
| Retained earnings to average equity (ytd only) | 7.8947% | 1,437 |
| Net charge-offs to loans | -0.0780% | 4,954 |
| Credit loss provision to net charge-offs | -473.6842% | 4,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5512% | 4,064 |
| Assets per employee ($millions) | 3.6610% | 4,298 |
| Cash dividends to net income (ytd only)* | 47.0332% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1305% | 374 |
| Loan loss allowance to noncurrent loans | 504.8589% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.4202% | 2,835 |
| Noncurrent loans to loans | 0.4220% | 3,015 |
| Net loans and leases to total assets | 67.3602% | 2,914 |
| Net loans and leases to deposits | 77.1421% | 3,234 |
| Net loans and leases to core deposits | 83.5157% | 3,151 |
| Total domestic deposits to total assets | 87.3196% | 1,426 |
| Equity capital to assets | 11.7568% | 2,376 |
| Core capital (leverage) ratio | 11.6746% | 2,040 |
| Tier 1 risk-based capital ratio | 17.9610% | 1,819 |
| Total risk-based capital ratio | 19.2238% | 1,768 |
| Memoranda: | ||
| Average total assets | $218,572,330 | 2,702 |
| Average earning assets | $205,761,000 | 2,679 |
| Average equity | $24,649,330 | 2,754 |
| Average total loans | $146,110,000 | 2,698 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8981% | 1,599 |
| Cost of funding earning assets | 0.7924% | 2,581 |
| Net interest margin | 4.1057% | 1,536 |
| Noninterest income to average assets | 0.7302% | 1,505 |
| Noninterest expense to average assets | 2.5079% | 3,486 |
| Loan and lease loss provision to assets | 0.1651% | 1,019 |
| Net operating income to assets | 1.8328% | 529 |
| Return on assets (ROA) | 1.8328% | 543 |
| Pretax return on assets | 1.9355% | 732 |
| Return on Equity (ROE) | 16.6074% | 516 |
| Retained earnings to average equity (ytd only) | 9.4258% | 1,183 |
| Net charge-offs to loans | 0.0613% | 1,426 |
| Credit loss provision to net charge-offs | 409.0909% | 684 |
| Earnings coverage of net charge-offs (x) | 52.0455% | 999 |
| Efficiency ratio | 54.4188% | 4,498 |
| Assets per employee ($millions) | 4.0201% | 3,893 |
| Cash dividends to net income (ytd only)* | 43.2432% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0286% | 472 |
| Loan loss allowance to noncurrent loans | 457.8053% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.4260% | 2,884 |
| Noncurrent loans to loans | 0.4431% | 2,994 |
| Net loans and leases to total assets | 64.6964% | 3,207 |
| Net loans and leases to deposits | 73.5584% | 3,483 |
| Net loans and leases to core deposits | 78.8535% | 3,460 |
| Total domestic deposits to total assets | 87.9525% | 1,358 |
| Equity capital to assets | 11.1900% | 2,666 |
| Core capital (leverage) ratio | 11.7245% | 1,960 |
| Tier 1 risk-based capital ratio | 18.1539% | 1,757 |
| Total risk-based capital ratio | 19.4147% | 1,704 |
| Memoranda: | ||
| Average total assets | $218,028,000 | 2,735 |
| Average earning assets | $205,957,500 | 2,707 |
| Average equity | $24,061,500 | 2,801 |
| Average total loans | $143,572,500 | 2,759 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7082% | 1,796 |
| Cost of funding earning assets | 0.7754% | 1,661 |
| Net interest margin | 3.9327% | 2,218 |
| Noninterest income to average assets | 0.7682% | 1,576 |
| Noninterest expense to average assets | 2.8646% | 2,470 |
| Loan and lease loss provision to assets | 0.1728% | 1,153 |
| Net operating income to assets | 1.3071% | 1,760 |
| Return on assets (ROA) | 1.3071% | 1,749 |
| Pretax return on assets | 1.3973% | 2,146 |
| Return on Equity (ROE) | 12.1833% | 1,647 |
| Retained earnings to average equity (ytd only) | 4.6574% | 2,956 |
| Net charge-offs to loans | 0.0538% | 2,380 |
| Credit loss provision to net charge-offs | 513.8889% | 677 |
| Earnings coverage of net charge-offs (x) | 46.6944% | 1,184 |
| Efficiency ratio | 64.5956% | 3,098 |
| Assets per employee ($millions) | 3.9081% | 4,028 |
| Cash dividends to net income (ytd only)* | 61.7721% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0505% | 433 |
| Loan loss allowance to noncurrent loans | 100.2078% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 1.4785% | 798 |
| Noncurrent loans to loans | 2.0463% | 657 |
| Net loans and leases to total assets | 64.3132% | 3,321 |
| Net loans and leases to deposits | 72.8422% | 3,598 |
| Net loans and leases to core deposits | 78.2693% | 3,555 |
| Total domestic deposits to total assets | 88.2911% | 1,163 |
| Equity capital to assets | 10.8775% | 2,811 |
| Core capital (leverage) ratio | 11.4666% | 2,132 |
| Tier 1 risk-based capital ratio | 18.1727% | 1,710 |
| Total risk-based capital ratio | 19.4336% | 1,653 |
| Memoranda: | ||
| Average total assets | $214,130,800 | 2,738 |
| Average earning assets | $199,631,400 | 2,722 |
| Average equity | $22,974,000 | 2,822 |
| Average total loans | $133,821,800 | 2,835 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6429% | 1,864 |
| Cost of funding earning assets | 0.7674% | 1,494 |
| Net interest margin | 3.8754% | 2,388 |
| Noninterest income to average assets | 0.7897% | 1,509 |
| Noninterest expense to average assets | 2.6650% | 3,083 |
| Loan and lease loss provision to assets | 0.1122% | 1,806 |
| Net operating income to assets | 1.5388% | 1,098 |
| Return on assets (ROA) | 1.5388% | 1,095 |
| Pretax return on assets | 1.6161% | 1,528 |
| Return on Equity (ROE) | 14.3926% | 1,012 |
| Retained earnings to average equity (ytd only) | 6.8320% | 2,215 |
| Net charge-offs to loans | 0.0384% | 2,313 |
| Credit loss provision to net charge-offs | 473.6842% | 733 |
| Earnings coverage of net charge-offs (x) | 72.9670% | 930 |
| Efficiency ratio | 60.6611% | 3,712 |
| Assets per employee ($millions) | 3.8556% | 4,101 |
| Cash dividends to net income (ytd only)* | 52.5313% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0128% | 475 |
| Loan loss allowance to noncurrent loans | 208.6890% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.9328% | 1,576 |
| Noncurrent loans to loans | 0.9645% | 1,761 |
| Net loans and leases to total assets | 62.8559% | 3,561 |
| Net loans and leases to deposits | 71.2390% | 3,832 |
| Net loans and leases to core deposits | 76.9939% | 3,738 |
| Total domestic deposits to total assets | 88.2325% | 1,143 |
| Equity capital to assets | 10.8272% | 2,819 |
| Core capital (leverage) ratio | 11.5609% | 2,126 |
| Tier 1 risk-based capital ratio | 18.9951% | 1,539 |
| Total risk-based capital ratio | 20.2560% | 1,503 |
| Memoranda: | ||
| Average total assets | $213,926,500 | 2,756 |
| Average earning assets | $198,922,750 | 2,746 |
| Average equity | $22,872,250 | 2,834 |
| Average total loans | $131,993,750 | 2,873 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5568% | 1,914 |
| Cost of funding earning assets | 0.7543% | 1,353 |
| Net interest margin | 3.8025% | 2,555 |
| Noninterest income to average assets | 0.7616% | 1,604 |
| Noninterest expense to average assets | 2.6577% | 3,141 |
| Loan and lease loss provision to assets | 0.1212% | 1,627 |
| Net operating income to assets | 1.4374% | 1,319 |
| Return on assets (ROA) | 1.4374% | 1,319 |
| Pretax return on assets | 1.5167% | 1,755 |
| Return on Equity (ROE) | 13.5009% | 1,209 |
| Retained earnings to average equity (ytd only) | 5.9274% | 2,595 |
| Net charge-offs to loans | 0.1194% | 1,215 |
| Credit loss provision to net charge-offs | 166.6667% | 1,465 |
| Earnings coverage of net charge-offs (x) | 22.5256% | 1,742 |
| Efficiency ratio | 61.8707% | 3,639 |
| Assets per employee ($millions) | 3.7610% | 4,263 |
| Cash dividends to net income (ytd only)* | 56.0960% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9528% | 563 |
| Loan loss allowance to noncurrent loans | 160.4848% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 1.1097% | 1,334 |
| Noncurrent loans to loans | 1.2168% | 1,426 |
| Net loans and leases to total assets | 62.0180% | 3,601 |
| Net loans and leases to deposits | 71.7319% | 3,733 |
| Net loans and leases to core deposits | 77.4604% | 3,622 |
| Total domestic deposits to total assets | 86.4580% | 2,074 |
| Equity capital to assets | 10.6154% | 3,015 |
| Core capital (leverage) ratio | 11.2547% | 2,298 |
| Tier 1 risk-based capital ratio | 17.6918% | 1,891 |
| Total risk-based capital ratio | 18.9503% | 1,844 |
| Memoranda: | ||
| Average total assets | $214,549,330 | 2,774 |
| Average earning assets | $199,395,330 | 2,762 |
| Average equity | $22,843,000 | 2,855 |
| Average total loans | $130,648,670 | 2,904 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4946% | 1,889 |
| Cost of funding earning assets | 0.7411% | 1,226 |
| Net interest margin | 3.7535% | 2,600 |
| Noninterest income to average assets | 0.6690% | 1,961 |
| Noninterest expense to average assets | 2.4469% | 3,823 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6325% | 791 |
| Return on assets (ROA) | 1.6325% | 794 |
| Pretax return on assets | 1.7145% | 1,079 |
| Return on Equity (ROE) | 15.3107% | 752 |
| Retained earnings to average equity (ytd only) | 7.7602% | 1,936 |
| Net charge-offs to loans | -0.1061% | 5,220 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7998% | 4,252 |
| Assets per employee ($millions) | 3.7299% | 4,375 |
| Cash dividends to net income (ytd only)* | 49.3151% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0722% | 479 |
| Loan loss allowance to noncurrent loans | 164.1698% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.8630% | 1,834 |
| Noncurrent loans to loans | 1.2622% | 1,429 |
| Net loans and leases to total assets | 57.4528% | 3,995 |
| Net loans and leases to deposits | 65.7892% | 4,105 |
| Net loans and leases to core deposits | 71.0746% | 4,025 |
| Total domestic deposits to total assets | 87.3285% | 1,992 |
| Equity capital to assets | 10.5017% | 3,075 |
| Core capital (leverage) ratio | 11.2887% | 2,178 |
| Tier 1 risk-based capital ratio | 18.6288% | 1,657 |
| Total risk-based capital ratio | 19.8890% | 1,615 |
| Memoranda: | ||
| Average total assets | $214,635,000 | 2,797 |
| Average earning assets | $199,706,000 | 2,787 |
| Average equity | $22,886,000 | 2,878 |
| Average total loans | $128,172,500 | 2,957 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4679% | 1,820 |
| Cost of funding earning assets | 0.7659% | 757 |
| Net interest margin | 3.7020% | 2,787 |
| Noninterest income to average assets | 0.6545% | 2,168 |
| Noninterest expense to average assets | 2.6531% | 3,276 |
| Loan and lease loss provision to assets | 0.1906% | 1,102 |
| Net operating income to assets | 1.1806% | 1,581 |
| Return on assets (ROA) | 1.1810% | 1,598 |
| Pretax return on assets | 1.2436% | 2,577 |
| Return on Equity (ROE) | 11.0189% | 1,475 |
| Retained earnings to average equity (ytd only) | 3.3083% | 3,316 |
| Net charge-offs to loans | 0.2269% | 1,140 |
| Credit loss provision to net charge-offs | 139.7260% | 1,894 |
| Earnings coverage of net charge-offs (x) | 10.5103% | 2,666 |
| Efficiency ratio | 64.9177% | 3,461 |
| Assets per employee ($millions) | 3.9432% | 4,055 |
| Cash dividends to net income (ytd only)* | 69.9763% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0058% | 535 |
| Loan loss allowance to noncurrent loans | 274.1288% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.5692% | 2,643 |
| Noncurrent loans to loans | 0.7317% | 2,385 |
| Net loans and leases to total assets | 59.5621% | 3,870 |
| Net loans and leases to deposits | 68.7377% | 3,971 |
| Net loans and leases to core deposits | 74.5582% | 3,841 |
| Total domestic deposits to total assets | 86.6513% | 2,173 |
| Equity capital to assets | 10.8264% | 2,812 |
| Core capital (leverage) ratio | 11.0424% | 2,299 |
| Tier 1 risk-based capital ratio | 17.8537% | 1,844 |
| Total risk-based capital ratio | 19.1124% | 1,790 |
| Memoranda: | ||
| Average total assets | $214,054,400 | 2,777 |
| Average earning assets | $198,458,200 | 2,783 |
| Average equity | $22,942,400 | 2,867 |
| Average total loans | $128,671,400 | 2,932 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4247% | 1,879 |
| Cost of funding earning assets | 0.7615% | 718 |
| Net interest margin | 3.6632% | 2,900 |
| Noninterest income to average assets | 0.7154% | 1,936 |
| Noninterest expense to average assets | 2.6052% | 3,394 |
| Loan and lease loss provision to assets | 0.1524% | 1,362 |
| Net operating income to assets | 1.2920% | 1,367 |
| Return on assets (ROA) | 1.2920% | 1,399 |
| Pretax return on assets | 1.3542% | 2,265 |
| Return on Equity (ROE) | 12.0851% | 1,321 |
| Retained earnings to average equity (ytd only) | 4.3115% | 3,339 |
| Net charge-offs to loans | 0.2117% | 1,015 |
| Credit loss provision to net charge-offs | 120.0980% | 2,005 |
| Earnings coverage of net charge-offs (x) | 11.8727% | 2,470 |
| Efficiency ratio | 63.3585% | 3,660 |
| Assets per employee ($millions) | 3.9558% | 4,065 |
| Cash dividends to net income (ytd only)* | 64.3237% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8923% | 711 |
| Loan loss allowance to noncurrent loans | 277.6432% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.7124% | 2,373 |
| Noncurrent loans to loans | 0.6816% | 2,663 |
| Net loans and leases to total assets | 60.0731% | 3,854 |
| Net loans and leases to deposits | 69.1441% | 4,030 |
| Net loans and leases to core deposits | 75.1773% | 3,873 |
| Total domestic deposits to total assets | 86.8810% | 1,915 |
| Equity capital to assets | 10.8756% | 2,988 |
| Core capital (leverage) ratio | 11.0708% | 2,392 |
| Tier 1 risk-based capital ratio | 17.3871% | 2,040 |
| Total risk-based capital ratio | 18.6449% | 1,991 |
| Memoranda: | ||
| Average total assets | $214,334,500 | 2,795 |
| Average earning assets | $198,726,250 | 2,804 |
| Average equity | $22,914,750 | 2,891 |
| Average total loans | $128,483,250 | 2,957 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4336% | 1,718 |
| Cost of funding earning assets | 0.7614% | 652 |
| Net interest margin | 3.6722% | 2,748 |
| Noninterest income to average assets | 0.7250% | 1,887 |
| Noninterest expense to average assets | 2.5847% | 3,482 |
| Loan and lease loss provision to assets | 0.1547% | 1,297 |
| Net operating income to assets | 1.3158% | 1,266 |
| Return on assets (ROA) | 1.3158% | 1,288 |
| Pretax return on assets | 1.3824% | 2,090 |
| Return on Equity (ROE) | 12.3800% | 1,192 |
| Retained earnings to average equity (ytd only) | 4.4031% | 3,087 |
| Net charge-offs to loans | 0.2663% | 764 |
| Credit loss provision to net charge-offs | 97.6331% | 2,061 |
| Earnings coverage of net charge-offs (x) | 9.6982% | 2,406 |
| Efficiency ratio | 62.7076% | 3,862 |
| Assets per employee ($millions) | 3.8228% | 4,248 |
| Cash dividends to net income (ytd only)* | 64.4334% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9200% | 697 |
| Loan loss allowance to noncurrent loans | 271.1939% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.7479% | 2,325 |
| Noncurrent loans to loans | 0.7080% | 2,633 |
| Net loans and leases to total assets | 59.0831% | 3,912 |
| Net loans and leases to deposits | 68.1656% | 4,057 |
| Net loans and leases to core deposits | 73.4689% | 3,985 |
| Total domestic deposits to total assets | 86.6759% | 2,100 |
| Equity capital to assets | 10.9862% | 2,822 |
| Core capital (leverage) ratio | 10.8363% | 2,565 |
| Tier 1 risk-based capital ratio | 17.6182% | 1,964 |
| Total risk-based capital ratio | 18.8757% | 1,922 |
| Memoranda: | ||
| Average total assets | $213,256,000 | 2,821 |
| Average earning assets | $197,265,670 | 2,838 |
| Average equity | $22,665,670 | 2,915 |
| Average total loans | $126,903,670 | 2,989 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4046% | 1,636 |
| Cost of funding earning assets | 0.7602% | 615 |
| Net interest margin | 3.6444% | 2,717 |
| Noninterest income to average assets | 0.7348% | 1,804 |
| Noninterest expense to average assets | 2.5107% | 3,778 |
| Loan and lease loss provision to assets | 0.1691% | 1,050 |
| Net operating income to assets | 1.3512% | 1,115 |
| Return on assets (ROA) | 1.3512% | 1,150 |
| Pretax return on assets | 1.4245% | 1,791 |
| Return on Equity (ROE) | 12.9322% | 1,010 |
| Retained earnings to average equity (ytd only) | 4.4606% | 3,190 |
| Net charge-offs to loans | 0.1303% | 1,140 |
| Credit loss provision to net charge-offs | 219.5122% | 955 |
| Earnings coverage of net charge-offs (x) | 20.6829% | 1,475 |
| Efficiency ratio | 61.1722% | 4,289 |
| Assets per employee ($millions) | 3.9276% | 4,134 |
| Cash dividends to net income (ytd only)* | 65.5076% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0057% | 662 |
| Loan loss allowance to noncurrent loans | 239.0359% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.7462% | 2,432 |
| Noncurrent loans to loans | 0.8391% | 2,358 |
| Net loans and leases to total assets | 57.2001% | 4,045 |
| Net loans and leases to deposits | 65.5526% | 4,207 |
| Net loans and leases to core deposits | 70.8636% | 4,083 |
| Total domestic deposits to total assets | 87.2584% | 2,087 |
| Equity capital to assets | 10.4506% | 3,233 |
| Core capital (leverage) ratio | 10.8426% | 2,552 |
| Tier 1 risk-based capital ratio | 17.3588% | 2,082 |
| Total risk-based capital ratio | 18.6174% | 2,023 |
| Memoranda: | ||
| Average total assets | $212,845,000 | 2,853 |
| Average earning assets | $196,794,500 | 2,862 |
| Average equity | $22,239,000 | 2,963 |
| Average total loans | $125,875,500 | 3,026 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4343% | 1,731 |
| Cost of funding earning assets | 0.8229% | 449 |
| Net interest margin | 3.6115% | 3,035 |
| Noninterest income to average assets | 0.7819% | 1,820 |
| Noninterest expense to average assets | 2.8052% | 3,004 |
| Loan and lease loss provision to assets | 0.1151% | 2,142 |
| Net operating income to assets | 1.1599% | 1,647 |
| Return on assets (ROA) | 1.1599% | 1,745 |
| Pretax return on assets | 1.2174% | 2,599 |
| Return on Equity (ROE) | 10.4331% | 1,792 |
| Retained earnings to average equity (ytd only) | 2.2911% | 4,219 |
| Net charge-offs to loans | 0.3200% | 856 |
| Credit loss provision to net charge-offs | 59.2593% | 3,259 |
| Earnings coverage of net charge-offs (x) | 6.8593% | 3,112 |
| Efficiency ratio | 67.7950% | 3,279 |
| Assets per employee ($millions) | 3.7442% | 4,403 |
| Cash dividends to net income (ytd only)* | 78.0397% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9736% | 688 |
| Loan loss allowance to noncurrent loans | 216.2162% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.8113% | 2,323 |
| Noncurrent loans to loans | 0.9128% | 2,268 |
| Net loans and leases to total assets | 58.7486% | 3,999 |
| Net loans and leases to deposits | 67.3671% | 4,138 |
| Net loans and leases to core deposits | 73.3804% | 3,971 |
| Total domestic deposits to total assets | 87.2067% | 2,021 |
| Equity capital to assets | 10.4463% | 3,217 |
| Core capital (leverage) ratio | 10.8648% | 2,477 |
| Tier 1 risk-based capital ratio | 17.3738% | 2,038 |
| Total risk-based capital ratio | 18.6319% | 1,996 |
| Memoranda: | ||
| Average total assets | $208,470,000 | 2,869 |
| Average earning assets | $193,716,400 | 2,863 |
| Average equity | $23,176,200 | 2,875 |
| Average total loans | $126,547,200 | 2,970 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4375% | 1,736 |
| Cost of funding earning assets | 0.8295% | 429 |
| Net interest margin | 3.6081% | 3,043 |
| Noninterest income to average assets | 0.7974% | 1,773 |
| Noninterest expense to average assets | 2.7656% | 3,122 |
| Loan and lease loss provision to assets | 0.0640% | 2,950 |
| Net operating income to assets | 1.2669% | 1,393 |
| Return on assets (ROA) | 1.2669% | 1,489 |
| Pretax return on assets | 1.3277% | 2,322 |
| Return on Equity (ROE) | 11.2251% | 1,585 |
| Retained earnings to average equity (ytd only) | 3.1950% | 3,995 |
| Net charge-offs to loans | 0.2997% | 767 |
| Credit loss provision to net charge-offs | 35.0877% | 3,189 |
| Earnings coverage of net charge-offs (x) | 7.6246% | 2,860 |
| Efficiency ratio | 66.5229% | 3,499 |
| Assets per employee ($millions) | 3.6693% | 4,537 |
| Cash dividends to net income (ytd only)* | 71.5369% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0024% | 723 |
| Loan loss allowance to noncurrent loans | 143.3566% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 1.1198% | 1,809 |
| Noncurrent loans to loans | 1.3968% | 1,577 |
| Net loans and leases to total assets | 57.5624% | 4,135 |
| Net loans and leases to deposits | 66.2344% | 4,318 |
| Net loans and leases to core deposits | 72.4870% | 4,121 |
| Total domestic deposits to total assets | 86.9071% | 1,929 |
| Equity capital to assets | 11.4281% | 2,578 |
| Core capital (leverage) ratio | 10.8541% | 2,620 |
| Tier 1 risk-based capital ratio | 18.0782% | 1,893 |
| Total risk-based capital ratio | 19.3370% | 1,860 |
| Memoranda: | ||
| Average total assets | $208,169,250 | 2,888 |
| Average earning assets | $193,857,250 | 2,869 |
| Average equity | $23,494,500 | 2,864 |
| Average total loans | $126,769,000 | 2,976 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4507% | 1,672 |
| Cost of funding earning assets | 0.8326% | 410 |
| Net interest margin | 3.6181% | 3,029 |
| Noninterest income to average assets | 0.7515% | 1,927 |
| Noninterest expense to average assets | 2.6597% | 3,520 |
| Loan and lease loss provision to assets | 0.0385% | 3,387 |
| Net operating income to assets | 1.3607% | 1,136 |
| Return on assets (ROA) | 1.3607% | 1,212 |
| Pretax return on assets | 1.4280% | 1,919 |
| Return on Equity (ROE) | 12.1069% | 1,279 |
| Retained earnings to average equity (ytd only) | 4.0328% | 3,338 |
| Net charge-offs to loans | 0.2483% | 952 |
| Credit loss provision to net charge-offs | 25.1572% | 2,896 |
| Earnings coverage of net charge-offs (x) | 9.5849% | 2,409 |
| Efficiency ratio | 64.4590% | 3,940 |
| Assets per employee ($millions) | 3.6465% | 4,519 |
| Cash dividends to net income (ytd only)* | 66.6902% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0074% | 723 |
| Loan loss allowance to noncurrent loans | 167.0635% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 1.1537% | 1,837 |
| Noncurrent loans to loans | 1.2016% | 1,920 |
| Net loans and leases to total assets | 58.3035% | 4,087 |
| Net loans and leases to deposits | 67.1544% | 4,253 |
| Net loans and leases to core deposits | 73.4253% | 4,041 |
| Total domestic deposits to total assets | 86.8200% | 2,002 |
| Equity capital to assets | 11.2419% | 2,805 |
| Core capital (leverage) ratio | 10.7807% | 2,671 |
| Tier 1 risk-based capital ratio | 17.8318% | 1,982 |
| Total risk-based capital ratio | 19.0911% | 1,933 |
| Memoranda: | ||
| Average total assets | $207,841,670 | 2,905 |
| Average earning assets | $193,856,000 | 2,882 |
| Average equity | $23,358,670 | 2,885 |
| Average total loans | $128,074,330 | 2,967 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5028% | 1,497 |
| Cost of funding earning assets | 0.8353% | 413 |
| Net interest margin | 3.6674% | 2,816 |
| Noninterest income to average assets | 0.7883% | 1,665 |
| Noninterest expense to average assets | 2.5804% | 3,811 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5552% | 775 |
| Return on assets (ROA) | 1.5552% | 812 |
| Pretax return on assets | 1.6348% | 1,217 |
| Return on Equity (ROE) | 13.8402% | 864 |
| Retained earnings to average equity (ytd only) | 5.7019% | 2,530 |
| Net charge-offs to loans | 0.1827% | 1,066 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 14.2712% | 1,706 |
| Efficiency ratio | 61.2160% | 4,566 |
| Assets per employee ($millions) | 3.6266% | 4,597 |
| Cash dividends to net income (ytd only)* | 58.8015% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9974% | 823 |
| Loan loss allowance to noncurrent loans | 94.1048% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 1.8131% | 1,017 |
| Noncurrent loans to loans | 2.1226% | 985 |
| Net loans and leases to total assets | 61.3789% | 3,611 |
| Net loans and leases to deposits | 70.7266% | 3,783 |
| Net loans and leases to core deposits | 77.6195% | 3,529 |
| Total domestic deposits to total assets | 86.7833% | 2,312 |
| Equity capital to assets | 11.3629% | 2,565 |
| Core capital (leverage) ratio | 10.9851% | 2,416 |
| Tier 1 risk-based capital ratio | 17.4569% | 2,136 |
| Total risk-based capital ratio | 18.7160% | 2,105 |
| Memoranda: | ||
| Average total assets | $206,015,000 | 2,929 |
| Average earning assets | $192,504,500 | 2,905 |
| Average equity | $23,150,000 | 2,909 |
| Average total loans | $129,194,000 | 2,946 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6986% | 1,109 |
| Cost of funding earning assets | 0.8578% | 354 |
| Net interest margin | 3.8409% | 2,230 |
| Noninterest income to average assets | 0.5702% | 2,902 |
| Noninterest expense to average assets | 2.8179% | 3,158 |
| Loan and lease loss provision to assets | 0.1915% | 1,154 |
| Net operating income to assets | 1.0771% | 2,017 |
| Return on assets (ROA) | 1.0799% | 2,076 |
| Pretax return on assets | 1.1349% | 2,905 |
| Return on Equity (ROE) | 9.6253% | 2,165 |
| Retained earnings to average equity (ytd only) | 1.7115% | 4,750 |
| Net charge-offs to loans | 0.1415% | 1,931 |
| Credit loss provision to net charge-offs | 220.3390% | 1,290 |
| Earnings coverage of net charge-offs (x) | 15.2260% | 2,216 |
| Efficiency ratio | 68.0422% | 3,567 |
| Assets per employee ($millions) | 3.6663% | 4,539 |
| Cash dividends to net income (ytd only)* | 82.2192% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0516% | 739 |
| Loan loss allowance to noncurrent loans | 83.4385% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 2.0793% | 832 |
| Noncurrent loans to loans | 2.4589% | 758 |
| Net loans and leases to total assets | 61.5043% | 3,630 |
| Net loans and leases to deposits | 70.7070% | 3,835 |
| Net loans and leases to core deposits | 77.5991% | 3,594 |
| Total domestic deposits to total assets | 86.9848% | 2,150 |
| Equity capital to assets | 11.1103% | 2,719 |
| Core capital (leverage) ratio | 10.8622% | 2,543 |
| Tier 1 risk-based capital ratio | 16.9272% | 2,306 |
| Total risk-based capital ratio | 18.1868% | 2,254 |
| Memoranda: | ||
| Average total assets | $203,626,600 | 2,907 |
| Average earning assets | $189,331,400 | 2,899 |
| Average equity | $22,846,000 | 2,890 |
| Average total loans | $125,063,800 | 2,970 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6871% | 1,119 |
| Cost of funding earning assets | 0.8618% | 356 |
| Net interest margin | 3.8253% | 2,286 |
| Noninterest income to average assets | 0.7270% | 2,122 |
| Noninterest expense to average assets | 2.8378% | 3,045 |
| Loan and lease loss provision to assets | 0.1083% | 2,072 |
| Net operating income to assets | 1.2671% | 1,429 |
| Return on assets (ROA) | 1.2696% | 1,485 |
| Pretax return on assets | 1.3339% | 2,267 |
| Return on Equity (ROE) | 11.2884% | 1,601 |
| Retained earnings to average equity (ytd only) | 3.4945% | 3,981 |
| Net charge-offs to loans | 0.1322% | 1,813 |
| Credit loss provision to net charge-offs | 134.1463% | 1,830 |
| Earnings coverage of net charge-offs (x) | 17.8370% | 2,043 |
| Efficiency ratio | 66.3445% | 3,829 |
| Assets per employee ($millions) | 3.6498% | 4,520 |
| Cash dividends to net income (ytd only)* | 69.0439% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9306% | 1,010 |
| Loan loss allowance to noncurrent loans | 96.8297% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 1.9497% | 1,061 |
| Noncurrent loans to loans | 1.9938% | 1,164 |
| Net loans and leases to total assets | 61.4877% | 3,671 |
| Net loans and leases to deposits | 70.9093% | 3,890 |
| Net loans and leases to core deposits | 77.8529% | 3,621 |
| Total domestic deposits to total assets | 86.7131% | 2,183 |
| Equity capital to assets | 11.3392% | 2,657 |
| Core capital (leverage) ratio | 10.9624% | 2,527 |
| Tier 1 risk-based capital ratio | 17.1025% | 2,337 |
| Total risk-based capital ratio | 18.3603% | 2,283 |
| Memoranda: | ||
| Average total assets | $203,204,750 | 2,939 |
| Average earning assets | $188,597,750 | 2,927 |
| Average equity | $22,854,750 | 2,913 |
| Average total loans | $124,099,250 | 3,009 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6405% | 1,185 |
| Cost of funding earning assets | 0.8633% | 346 |
| Net interest margin | 3.7772% | 2,416 |
| Noninterest income to average assets | 0.7021% | 2,207 |
| Noninterest expense to average assets | 2.7198% | 3,527 |
| Loan and lease loss provision to assets | 0.0394% | 3,332 |
| Net operating income to assets | 1.3778% | 1,134 |
| Return on assets (ROA) | 1.3806% | 1,171 |
| Pretax return on assets | 1.4536% | 1,789 |
| Return on Equity (ROE) | 12.3090% | 1,281 |
| Retained earnings to average equity (ytd only) | 4.7126% | 3,046 |
| Net charge-offs to loans | 0.1320% | 1,709 |
| Credit loss provision to net charge-offs | 49.3827% | 2,713 |
| Earnings coverage of net charge-offs (x) | 18.6543% | 1,796 |
| Efficiency ratio | 64.6053% | 4,259 |
| Assets per employee ($millions) | 3.5891% | 4,641 |
| Cash dividends to net income (ytd only)* | 61.7143% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9120% | 1,139 |
| Loan loss allowance to noncurrent loans | 89.6513% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 1.9973% | 1,105 |
| Noncurrent loans to loans | 2.1327% | 1,125 |
| Net loans and leases to total assets | 59.9575% | 3,839 |
| Net loans and leases to deposits | 68.7350% | 4,059 |
| Net loans and leases to core deposits | 75.2845% | 3,826 |
| Total domestic deposits to total assets | 87.2299% | 2,046 |
| Equity capital to assets | 11.1096% | 2,771 |
| Core capital (leverage) ratio | 10.9401% | 2,488 |
| Tier 1 risk-based capital ratio | 17.6869% | 2,162 |
| Total risk-based capital ratio | 18.9447% | 2,112 |
| Memoranda: | ||
| Average total assets | $202,810,000 | 2,964 |
| Average earning assets | $188,341,000 | 2,947 |
| Average equity | $22,747,670 | 2,934 |
| Average total loans | $122,749,670 | 3,041 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6321% | 1,160 |
| Cost of funding earning assets | 0.8707% | 333 |
| Net interest margin | 3.7615% | 2,384 |
| Noninterest income to average assets | 0.7112% | 2,122 |
| Noninterest expense to average assets | 2.7792% | 3,317 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3451% | 1,150 |
| Return on assets (ROA) | 1.3451% | 1,217 |
| Pretax return on assets | 1.4322% | 1,768 |
| Return on Equity (ROE) | 11.9345% | 1,367 |
| Retained earnings to average equity (ytd only) | 5.0269% | 3,038 |
| Net charge-offs to loans | 0.0099% | 3,009 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 241.0000% | 234 |
| Efficiency ratio | 65.9925% | 4,157 |
| Assets per employee ($millions) | 3.6294% | 4,666 |
| Cash dividends to net income (ytd only)* | 57.8792% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0176% | 1,041 |
| Loan loss allowance to noncurrent loans | 138.9588% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 1.9341% | 1,248 |
| Noncurrent loans to loans | 1.4519% | 1,959 |
| Net loans and leases to total assets | 58.0391% | 3,938 |
| Net loans and leases to deposits | 67.2380% | 4,030 |
| Net loans and leases to core deposits | 73.7192% | 3,807 |
| Total domestic deposits to total assets | 86.3189% | 2,756 |
| Equity capital to assets | 11.3474% | 2,600 |
| Core capital (leverage) ratio | 10.8894% | 2,530 |
| Tier 1 risk-based capital ratio | 17.3445% | 2,363 |
| Total risk-based capital ratio | 18.6028% | 2,312 |
| Memoranda: | ||
| Average total assets | $201,925,000 | 2,992 |
| Average earning assets | $187,905,000 | 2,967 |
| Average equity | $22,757,500 | 2,948 |
| Average total loans | $121,598,500 | 3,067 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8380% | 1,033 |
| Cost of funding earning assets | 0.9395% | 312 |
| Net interest margin | 3.8985% | 2,246 |
| Noninterest income to average assets | 0.2403% | 5,404 |
| Noninterest expense to average assets | 2.7259% | 3,766 |
| Loan and lease loss provision to assets | 0.1196% | 2,181 |
| Net operating income to assets | 0.8761% | 2,992 |
| Return on assets (ROA) | 0.8761% | 3,077 |
| Pretax return on assets | 0.9874% | 3,551 |
| Return on Equity (ROE) | 8.0706% | 3,093 |
| Retained earnings to average equity (ytd only) | 1.3541% | 5,169 |
| Net charge-offs to loans | 0.3006% | 1,467 |
| Credit loss provision to net charge-offs | 65.6836% | 3,168 |
| Earnings coverage of net charge-offs (x) | 6.0777% | 3,276 |
| Efficiency ratio | 71.1173% | 3,353 |
| Assets per employee ($millions) | 3.5194% | 4,873 |
| Cash dividends to net income (ytd only)* | 83.2219% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9803% | 1,145 |
| Loan loss allowance to noncurrent loans | 171.0267% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 1.7990% | 1,451 |
| Noncurrent loans to loans | 1.1579% | 2,524 |
| Net loans and leases to total assets | 60.0057% | 3,793 |
| Net loans and leases to deposits | 69.4316% | 3,984 |
| Net loans and leases to core deposits | 77.4938% | 3,564 |
| Total domestic deposits to total assets | 86.4241% | 2,609 |
| Equity capital to assets | 11.1921% | 2,708 |
| Core capital (leverage) ratio | 10.5526% | 2,896 |
| Tier 1 risk-based capital ratio | 17.4797% | 2,325 |
| Total risk-based capital ratio | 18.7381% | 2,287 |
| Memoranda: | ||
| Average total assets | $204,775,600 | 2,936 |
| Average earning assets | $188,716,000 | 2,921 |
| Average equity | $22,228,800 | 2,924 |
| Average total loans | $124,102,000 | 2,970 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8371% | 1,038 |
| Cost of funding earning assets | 0.9432% | 315 |
| Net interest margin | 3.8939% | 2,270 |
| Noninterest income to average assets | 0.5565% | 3,160 |
| Noninterest expense to average assets | 2.6087% | 4,171 |
| Loan and lease loss provision to assets | 0.1328% | 1,887 |
| Net operating income to assets | 1.2794% | 1,438 |
| Return on assets (ROA) | 1.2794% | 1,492 |
| Pretax return on assets | 1.3934% | 2,038 |
| Return on Equity (ROE) | 11.8760% | 1,507 |
| Retained earnings to average equity (ytd only) | 5.2615% | 2,912 |
| Net charge-offs to loans | 0.3879% | 1,028 |
| Credit loss provision to net charge-offs | 56.6298% | 2,999 |
| Earnings coverage of net charge-offs (x) | 6.5083% | 3,075 |
| Efficiency ratio | 63.0895% | 4,702 |
| Assets per employee ($millions) | 3.5904% | 4,697 |
| Cash dividends to net income (ytd only)* | 55.6961% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9695% | 1,309 |
| Loan loss allowance to noncurrent loans | 176.3023% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 2.1368% | 1,304 |
| Noncurrent loans to loans | 1.1171% | 2,827 |
| Net loans and leases to total assets | 58.4448% | 4,013 |
| Net loans and leases to deposits | 67.3137% | 4,206 |
| Net loans and leases to core deposits | 74.9003% | 3,856 |
| Total domestic deposits to total assets | 86.8245% | 2,406 |
| Equity capital to assets | 11.1305% | 2,836 |
| Core capital (leverage) ratio | 10.8271% | 2,668 |
| Tier 1 risk-based capital ratio | 17.8376% | 2,264 |
| Total risk-based capital ratio | 19.0961% | 2,221 |
| Memoranda: | ||
| Average total assets | $205,818,000 | 2,949 |
| Average earning assets | $189,146,000 | 2,944 |
| Average equity | $22,173,000 | 2,939 |
| Average total loans | $124,425,750 | 2,985 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8430% | 1,001 |
| Cost of funding earning assets | 0.9538% | 311 |
| Net interest margin | 3.8893% | 2,215 |
| Noninterest income to average assets | 0.5887% | 2,871 |
| Noninterest expense to average assets | 2.5470% | 4,428 |
| Loan and lease loss provision to assets | 0.1988% | 1,216 |
| Net operating income to assets | 1.2948% | 1,327 |
| Return on assets (ROA) | 1.2948% | 1,376 |
| Pretax return on assets | 1.4064% | 1,869 |
| Return on Equity (ROE) | 12.1524% | 1,378 |
| Retained earnings to average equity (ytd only) | 5.7166% | 2,502 |
| Net charge-offs to loans | 0.3913% | 1,034 |
| Credit loss provision to net charge-offs | 83.6735% | 2,283 |
| Earnings coverage of net charge-offs (x) | 6.7551% | 2,727 |
| Efficiency ratio | 61.3408% | 5,099 |
| Assets per employee ($millions) | 3.6547% | 4,541 |
| Cash dividends to net income (ytd only)* | 52.9588% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0484% | 1,280 |
| Loan loss allowance to noncurrent loans | 152.7273% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 2.2350% | 1,353 |
| Noncurrent loans to loans | 1.3412% | 2,569 |
| Net loans and leases to total assets | 57.8449% | 4,012 |
| Net loans and leases to deposits | 66.8379% | 4,182 |
| Net loans and leases to core deposits | 74.1957% | 3,817 |
| Total domestic deposits to total assets | 86.5452% | 2,735 |
| Equity capital to assets | 10.8305% | 3,052 |
| Core capital (leverage) ratio | 10.5115% | 2,935 |
| Tier 1 risk-based capital ratio | 17.5019% | 2,412 |
| Total risk-based capital ratio | 18.7615% | 2,386 |
| Memoranda: | ||
| Average total assets | $206,206,330 | 2,963 |
| Average earning assets | $188,930,670 | 2,967 |
| Average equity | $21,971,000 | 2,950 |
| Average total loans | $125,230,330 | 2,967 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7262% | 1,204 |
| Cost of funding earning assets | 0.9781% | 301 |
| Net interest margin | 3.7481% | 2,686 |
| Noninterest income to average assets | 0.5362% | 3,139 |
| Noninterest expense to average assets | 2.6771% | 4,010 |
| Loan and lease loss provision to assets | 0.1462% | 1,664 |
| Net operating income to assets | 1.0392% | 2,044 |
| Return on assets (ROA) | 1.0392% | 2,117 |
| Pretax return on assets | 1.1348% | 2,747 |
| Return on Equity (ROE) | 9.8360% | 2,102 |
| Retained earnings to average equity (ytd only) | 4.0414% | 3,690 |
| Net charge-offs to loans | 0.5573% | 664 |
| Credit loss provision to net charge-offs | 42.6136% | 2,276 |
| Earnings coverage of net charge-offs (x) | 3.7330% | 2,639 |
| Efficiency ratio | 67.6355% | 4,240 |
| Assets per employee ($millions) | 3.7096% | 4,499 |
| Cash dividends to net income (ytd only)* | 58.9118% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9659% | 1,585 |
| Loan loss allowance to noncurrent loans | 134.6659% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 2.3467% | 1,390 |
| Noncurrent loans to loans | 1.4598% | 2,599 |
| Net loans and leases to total assets | 59.0282% | 3,697 |
| Net loans and leases to deposits | 67.8380% | 3,871 |
| Net loans and leases to core deposits | 74.9366% | 3,534 |
| Total domestic deposits to total assets | 87.0134% | 2,802 |
| Equity capital to assets | 10.5301% | 3,218 |
| Core capital (leverage) ratio | 10.4477% | 2,993 |
| Tier 1 risk-based capital ratio | 16.7799% | 2,781 |
| Total risk-based capital ratio | 18.0381% | 2,742 |
| Memoranda: | ||
| Average total assets | $205,150,000 | 2,995 |
| Average earning assets | $187,296,000 | 3,005 |
| Average equity | $21,675,500 | 2,977 |
| Average total loans | $126,334,500 | 2,936 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8615% | 1,174 |
| Cost of funding earning assets | 1.0851% | 307 |
| Net interest margin | 3.7764% | 2,740 |
| Noninterest income to average assets | 0.5298% | 3,551 |
| Noninterest expense to average assets | 2.7345% | 3,977 |
| Loan and lease loss provision to assets | 0.3326% | 973 |
| Net operating income to assets | 0.8316% | 3,128 |
| Return on assets (ROA) | 0.8316% | 3,213 |
| Pretax return on assets | 0.9084% | 3,731 |
| Return on Equity (ROE) | 7.8107% | 3,137 |
| Retained earnings to average equity (ytd only) | 2.7567% | 4,277 |
| Net charge-offs to loans | 0.7030% | 918 |
| Credit loss provision to net charge-offs | 74.4797% | 3,184 |
| Earnings coverage of net charge-offs (x) | 2.7788% | 4,076 |
| Efficiency ratio | 68.7831% | 4,053 |
| Assets per employee ($millions) | 3.6172% | 4,636 |
| Cash dividends to net income (ytd only)* | 64.7059% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0065% | 1,531 |
| Loan loss allowance to noncurrent loans | 126.6073% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 2.5237% | 1,353 |
| Noncurrent loans to loans | 1.5848% | 2,524 |
| Net loans and leases to total assets | 61.7223% | 3,409 |
| Net loans and leases to deposits | 71.1539% | 3,637 |
| Net loans and leases to core deposits | 78.5088% | 3,297 |
| Total domestic deposits to total assets | 86.7448% | 2,857 |
| Equity capital to assets | 10.6022% | 3,044 |
| Core capital (leverage) ratio | 10.3609% | 3,073 |
| Tier 1 risk-based capital ratio | 16.5333% | 2,840 |
| Total risk-based capital ratio | 17.7924% | 2,808 |
| Memoranda: | ||
| Average total assets | $204,424,600 | 2,976 |
| Average earning assets | $186,526,800 | 3,007 |
| Average equity | $21,765,000 | 2,951 |
| Average total loans | $129,866,400 | 2,870 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8692% | 1,194 |
| Cost of funding earning assets | 1.1000% | 311 |
| Net interest margin | 3.7692% | 2,758 |
| Noninterest income to average assets | 0.5290% | 3,596 |
| Noninterest expense to average assets | 2.7481% | 3,839 |
| Loan and lease loss provision to assets | 0.3664% | 862 |
| Net operating income to assets | 0.7783% | 3,470 |
| Return on assets (ROA) | 0.7783% | 3,595 |
| Pretax return on assets | 0.8531% | 4,084 |
| Return on Equity (ROE) | 7.3023% | 3,485 |
| Retained earnings to average equity (ytd only) | 2.5033% | 4,818 |
| Net charge-offs to loans | 0.8607% | 679 |
| Credit loss provision to net charge-offs | 66.8646% | 3,134 |
| Earnings coverage of net charge-offs (x) | 2.2256% | 4,099 |
| Efficiency ratio | 69.2636% | 3,880 |
| Assets per employee ($millions) | 3.6273% | 4,605 |
| Cash dividends to net income (ytd only)* | 65.7187% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0109% | 1,694 |
| Loan loss allowance to noncurrent loans | 164.6365% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 2.3281% | 1,693 |
| Noncurrent loans to loans | 1.2214% | 3,364 |
| Net loans and leases to total assets | 60.3090% | 3,649 |
| Net loans and leases to deposits | 69.2044% | 3,906 |
| Net loans and leases to core deposits | 76.8630% | 3,519 |
| Total domestic deposits to total assets | 87.1461% | 2,606 |
| Equity capital to assets | 10.5662% | 3,201 |
| Core capital (leverage) ratio | 10.3514% | 3,166 |
| Tier 1 risk-based capital ratio | 16.6551% | 2,880 |
| Total risk-based capital ratio | 17.9137% | 2,836 |
| Memoranda: | ||
| Average total assets | $204,890,250 | 2,991 |
| Average earning assets | $186,912,000 | 3,024 |
| Average equity | $21,837,250 | 2,984 |
| Average total loans | $130,436,500 | 2,867 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8700% | 1,175 |
| Cost of funding earning assets | 1.1134% | 317 |
| Net interest margin | 3.7566% | 2,735 |
| Noninterest income to average assets | 0.5373% | 3,591 |
| Noninterest expense to average assets | 2.5949% | 4,405 |
| Loan and lease loss provision to assets | 0.5110% | 526 |
| Net operating income to assets | 0.7855% | 3,375 |
| Return on assets (ROA) | 0.7855% | 3,537 |
| Pretax return on assets | 0.8634% | 4,051 |
| Return on Equity (ROE) | 7.3491% | 3,420 |
| Retained earnings to average equity (ytd only) | 3.0507% | 4,378 |
| Net charge-offs to loans | 0.9059% | 686 |
| Credit loss provision to net charge-offs | 87.6461% | 2,492 |
| Earnings coverage of net charge-offs (x) | 2.3573% | 3,734 |
| Efficiency ratio | 65.3752% | 4,658 |
| Assets per employee ($millions) | 3.6069% | 4,607 |
| Cash dividends to net income (ytd only)* | 58.4882% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1213% | 1,583 |
| Loan loss allowance to noncurrent loans | 135.2064% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 2.7112% | 1,540 |
| Noncurrent loans to loans | 1.5689% | 2,956 |
| Net loans and leases to total assets | 61.0225% | 3,483 |
| Net loans and leases to deposits | 69.9839% | 3,712 |
| Net loans and leases to core deposits | 77.3039% | 3,384 |
| Total domestic deposits to total assets | 87.1951% | 2,711 |
| Equity capital to assets | 10.4337% | 3,386 |
| Core capital (leverage) ratio | 10.2122% | 3,212 |
| Tier 1 risk-based capital ratio | 16.3065% | 3,032 |
| Total risk-based capital ratio | 17.5668% | 2,988 |
| Memoranda: | ||
| Average total assets | $205,477,330 | 2,999 |
| Average earning assets | $187,721,000 | 3,024 |
| Average equity | $21,962,000 | 2,992 |
| Average total loans | $132,242,330 | 2,839 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8721% | 1,149 |
| Cost of funding earning assets | 1.1209% | 337 |
| Net interest margin | 3.7512% | 2,655 |
| Noninterest income to average assets | 0.3505% | 4,876 |
| Noninterest expense to average assets | 2.7047% | 4,037 |
| Loan and lease loss provision to assets | 0.2979% | 1,173 |
| Net operating income to assets | 0.7263% | 3,558 |
| Return on assets (ROA) | 0.7263% | 3,694 |
| Pretax return on assets | 0.7886% | 4,215 |
| Return on Equity (ROE) | 6.7154% | 3,649 |
| Retained earnings to average equity (ytd only) | 3.1687% | 4,364 |
| Net charge-offs to loans | 0.5630% | 1,081 |
| Credit loss provision to net charge-offs | 80.9524% | 2,148 |
| Earnings coverage of net charge-offs (x) | 2.9524% | 2,891 |
| Efficiency ratio | 71.3405% | 3,745 |
| Assets per employee ($millions) | 3.6396% | 4,700 |
| Cash dividends to net income (ytd only)* | 52.8150% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0792% | 1,846 |
| Loan loss allowance to noncurrent loans | 72.8209% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 3.5340% | 1,197 |
| Noncurrent loans to loans | 2.8552% | 1,773 |
| Net loans and leases to total assets | 63.7046% | 2,770 |
| Net loans and leases to deposits | 73.3948% | 2,998 |
| Net loans and leases to core deposits | 81.0039% | 2,694 |
| Total domestic deposits to total assets | 86.7971% | 3,077 |
| Equity capital to assets | 10.9018% | 3,076 |
| Core capital (leverage) ratio | 10.1560% | 3,206 |
| Tier 1 risk-based capital ratio | 15.8102% | 3,369 |
| Total risk-based capital ratio | 17.0706% | 3,326 |
| Memoranda: | ||
| Average total assets | $205,419,500 | 3,032 |
| Average earning assets | $188,419,500 | 3,034 |
| Average equity | $22,217,500 | 3,004 |
| Average total loans | $134,275,000 | 2,813 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2830% | 957 |
| Cost of funding earning assets | 1.2677% | 418 |
| Net interest margin | 4.0153% | 2,333 |
| Noninterest income to average assets | 0.5217% | 3,762 |
| Noninterest expense to average assets | 2.7685% | 4,147 |
| Loan and lease loss provision to assets | 0.6808% | 776 |
| Net operating income to assets | 0.6579% | 3,951 |
| Return on assets (ROA) | 0.7090% | 3,952 |
| Pretax return on assets | 0.7842% | 4,350 |
| Return on Equity (ROE) | 6.6758% | 3,826 |
| Retained earnings to average equity (ytd only) | 3.8017% | 3,535 |
| Net charge-offs to loans | 0.6728% | 1,751 |
| Credit loss provision to net charge-offs | 149.7332% | 1,824 |
| Earnings coverage of net charge-offs (x) | 3.0971% | 3,884 |
| Efficiency ratio | 66.2833% | 4,447 |
| Assets per employee ($millions) | 3.5693% | 4,849 |
| Cash dividends to net income (ytd only)* | 43.0527% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0544% | 1,878 |
| Loan loss allowance to noncurrent loans | 77.1334% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 3.6132% | 1,243 |
| Noncurrent loans to loans | 2.6635% | 1,989 |
| Net loans and leases to total assets | 64.3213% | 2,842 |
| Net loans and leases to deposits | 76.1442% | 2,781 |
| Net loans and leases to core deposits | 83.9801% | 2,557 |
| Total domestic deposits to total assets | 84.4730% | 4,092 |
| Equity capital to assets | 10.7308% | 3,240 |
| Core capital (leverage) ratio | 10.0636% | 3,324 |
| Tier 1 risk-based capital ratio | 15.2753% | 3,560 |
| Total risk-based capital ratio | 16.5355% | 3,502 |
| Memoranda: | ||
| Average total assets | $206,070,200 | 2,971 |
| Average earning assets | $187,583,000 | 2,993 |
| Average equity | $21,885,000 | 2,991 |
| Average total loans | $139,273,400 | 2,728 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3334% | 952 |
| Cost of funding earning assets | 1.2854% | 467 |
| Net interest margin | 4.0480% | 2,301 |
| Noninterest income to average assets | 0.6063% | 3,236 |
| Noninterest expense to average assets | 2.8210% | 3,911 |
| Loan and lease loss provision to assets | 0.6737% | 768 |
| Net operating income to assets | 0.7174% | 3,838 |
| Return on assets (ROA) | 0.7864% | 3,764 |
| Pretax return on assets | 0.8673% | 4,232 |
| Return on Equity (ROE) | 7.4241% | 3,571 |
| Retained earnings to average equity (ytd only) | 4.7822% | 3,533 |
| Net charge-offs to loans | 0.5700% | 1,909 |
| Credit loss provision to net charge-offs | 173.6227% | 1,607 |
| Earnings coverage of net charge-offs (x) | 3.7763% | 3,517 |
| Efficiency ratio | 65.8153% | 4,477 |
| Assets per employee ($millions) | 3.7615% | 4,404 |
| Cash dividends to net income (ytd only)* | 35.5850% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9756% | 2,242 |
| Loan loss allowance to noncurrent loans | 61.9517% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 4.2640% | 1,108 |
| Noncurrent loans to loans | 3.1890% | 1,730 |
| Net loans and leases to total assets | 67.6155% | 2,348 |
| Net loans and leases to deposits | 80.2248% | 2,357 |
| Net loans and leases to core deposits | 88.5413% | 2,154 |
| Total domestic deposits to total assets | 84.2826% | 4,087 |
| Equity capital to assets | 11.0137% | 3,259 |
| Core capital (leverage) ratio | 10.1663% | 3,326 |
| Tier 1 risk-based capital ratio | 14.9443% | 3,887 |
| Total risk-based capital ratio | 16.2037% | 3,834 |
| Memoranda: | ||
| Average total assets | $205,832,750 | 3,011 |
| Average earning assets | $187,118,500 | 3,023 |
| Average equity | $21,802,500 | 3,020 |
| Average total loans | $140,104,000 | 2,749 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3327% | 983 |
| Cost of funding earning assets | 1.3071% | 509 |
| Net interest margin | 4.0257% | 2,398 |
| Noninterest income to average assets | 0.5330% | 3,703 |
| Noninterest expense to average assets | 2.7871% | 4,065 |
| Loan and lease loss provision to assets | 0.6820% | 825 |
| Net operating income to assets | 0.6534% | 4,094 |
| Return on assets (ROA) | 0.7555% | 3,851 |
| Pretax return on assets | 0.8320% | 4,349 |
| Return on Equity (ROE) | 7.2271% | 3,657 |
| Retained earnings to average equity (ytd only) | 5.0433% | 3,257 |
| Net charge-offs to loans | 0.6424% | 1,714 |
| Credit loss provision to net charge-offs | 156.6667% | 1,770 |
| Earnings coverage of net charge-offs (x) | 3.2200% | 3,451 |
| Efficiency ratio | 66.5358% | 4,420 |
| Assets per employee ($millions) | 3.6788% | 4,565 |
| Cash dividends to net income (ytd only)* | 30.2177% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8453% | 2,717 |
| Loan loss allowance to noncurrent loans | 57.6725% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 4.3400% | 1,148 |
| Noncurrent loans to loans | 3.1996% | 1,816 |
| Net loans and leases to total assets | 66.6654% | 2,534 |
| Net loans and leases to deposits | 78.6629% | 2,570 |
| Net loans and leases to core deposits | 86.1568% | 2,412 |
| Total domestic deposits to total assets | 84.7481% | 3,977 |
| Equity capital to assets | 10.6425% | 3,522 |
| Core capital (leverage) ratio | 9.7990% | 3,718 |
| Tier 1 risk-based capital ratio | 14.6790% | 3,978 |
| Total risk-based capital ratio | 15.9366% | 3,939 |
| Memoranda: | ||
| Average total assets | $206,737,330 | 3,011 |
| Average earning assets | $187,745,670 | 3,021 |
| Average equity | $21,613,000 | 3,029 |
| Average total loans | $140,102,670 | 2,766 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1631% | 1,401 |
| Cost of funding earning assets | 1.3222% | 576 |
| Net interest margin | 3.8409% | 3,183 |
| Noninterest income to average assets | 0.7166% | 2,567 |
| Noninterest expense to average assets | 2.8469% | 3,834 |
| Loan and lease loss provision to assets | 0.9271% | 471 |
| Net operating income to assets | 0.3615% | 5,420 |
| Return on assets (ROA) | 0.3631% | 5,599 |
| Pretax return on assets | 0.4288% | 5,645 |
| Return on Equity (ROE) | 3.5047% | 5,505 |
| Retained earnings to average equity (ytd only) | 1.3049% | 5,576 |
| Net charge-offs to loans | 1.2155% | 848 |
| Credit loss provision to net charge-offs | 112.6761% | 2,094 |
| Earnings coverage of net charge-offs (x) | 1.6455% | 3,500 |
| Efficiency ratio | 67.7701% | 4,213 |
| Assets per employee ($millions) | 3.7654% | 4,505 |
| Cash dividends to net income (ytd only)* | 62.7660% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7038% | 3,336 |
| Loan loss allowance to noncurrent loans | 41.6769% | 5,517 |
| Noncurrent assets plus other real estate owned to assets | 5.2602% | 968 |
| Noncurrent loans to loans | 4.0880% | 1,486 |
| Net loans and leases to total assets | 65.1455% | 2,622 |
| Net loans and leases to deposits | 76.0621% | 2,789 |
| Net loans and leases to core deposits | 82.9077% | 2,704 |
| Total domestic deposits to total assets | 85.6477% | 3,717 |
| Equity capital to assets | 10.1857% | 3,868 |
| Core capital (leverage) ratio | 9.6888% | 3,782 |
| Tier 1 risk-based capital ratio | 14.1413% | 4,364 |
| Total risk-based capital ratio | 15.3976% | 4,323 |
| Memoranda: | ||
| Average total assets | $207,099,000 | 3,025 |
| Average earning assets | $187,873,000 | 3,039 |
| Average equity | $21,457,000 | 3,048 |
| Average total loans | $140,193,000 | 2,784 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6238% | 913 |
| Cost of funding earning assets | 1.5175% | 666 |
| Net interest margin | 4.1063% | 2,403 |
| Noninterest income to average assets | 0.6118% | 3,105 |
| Noninterest expense to average assets | 2.8054% | 4,329 |
| Loan and lease loss provision to assets | 0.8099% | 1,208 |
| Net operating income to assets | 0.6689% | 3,633 |
| Return on assets (ROA) | 0.7260% | 3,533 |
| Pretax return on assets | 0.8040% | 3,968 |
| Return on Equity (ROE) | 7.0463% | 3,386 |
| Retained earnings to average equity (ytd only) | 1.6479% | 5,032 |
| Net charge-offs to loans | 0.8866% | 1,962 |
| Credit loss provision to net charge-offs | 129.6875% | 2,363 |
| Earnings coverage of net charge-offs (x) | 2.4828% | 3,971 |
| Efficiency ratio | 64.4041% | 5,056 |
| Assets per employee ($millions) | 3.5672% | 4,849 |
| Cash dividends to net income (ytd only)* | 76.6129% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6546% | 3,358 |
| Loan loss allowance to noncurrent loans | 48.4893% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 5.1723% | 1,017 |
| Noncurrent loans to loans | 3.4124% | 1,892 |
| Net loans and leases to total assets | 68.0209% | 2,388 |
| Net loans and leases to deposits | 79.7124% | 2,577 |
| Net loans and leases to core deposits | 86.7544% | 2,533 |
| Total domestic deposits to total assets | 85.3329% | 3,672 |
| Equity capital to assets | 10.5423% | 3,484 |
| Core capital (leverage) ratio | 9.7418% | 3,685 |
| Tier 1 risk-based capital ratio | 14.1524% | 4,216 |
| Total risk-based capital ratio | 15.4069% | 4,167 |
| Memoranda: | ||
| Average total assets | $204,964,000 | 2,999 |
| Average earning assets | $186,885,400 | 2,999 |
| Average equity | $21,117,600 | 2,995 |
| Average total loans | $144,367,800 | 2,724 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6796% | 879 |
| Cost of funding earning assets | 1.5541% | 711 |
| Net interest margin | 4.1254% | 2,372 |
| Noninterest income to average assets | 0.6654% | 2,797 |
| Noninterest expense to average assets | 2.8299% | 4,235 |
| Loan and lease loss provision to assets | 0.9316% | 947 |
| Net operating income to assets | 0.6031% | 4,070 |
| Return on assets (ROA) | 0.6791% | 3,897 |
| Pretax return on assets | 0.7537% | 4,300 |
| Return on Equity (ROE) | 6.6291% | 3,699 |
| Retained earnings to average equity (ytd only) | 0.6528% | 5,754 |
| Net charge-offs to loans | 1.2645% | 1,229 |
| Credit loss provision to net charge-offs | 104.1364% | 3,201 |
| Earnings coverage of net charge-offs (x) | 1.7895% | 4,317 |
| Efficiency ratio | 63.8681% | 5,097 |
| Assets per employee ($millions) | 3.6024% | 4,757 |
| Cash dividends to net income (ytd only)* | 90.1529% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4183% | 4,474 |
| Loan loss allowance to noncurrent loans | 41.5251% | 5,536 |
| Noncurrent assets plus other real estate owned to assets | 5.3182% | 1,067 |
| Noncurrent loans to loans | 3.4156% | 2,015 |
| Net loans and leases to total assets | 67.8348% | 2,512 |
| Net loans and leases to deposits | 81.0054% | 2,523 |
| Net loans and leases to core deposits | 88.1558% | 2,465 |
| Total domestic deposits to total assets | 83.7411% | 4,350 |
| Equity capital to assets | 10.3787% | 3,855 |
| Core capital (leverage) ratio | 9.4931% | 4,153 |
| Tier 1 risk-based capital ratio | 13.8292% | 4,476 |
| Total risk-based capital ratio | 15.0814% | 4,444 |
| Memoranda: | ||
| Average total assets | $205,371,750 | 3,012 |
| Average earning assets | $187,450,500 | 3,007 |
| Average equity | $21,038,000 | 3,003 |
| Average total loans | $145,300,750 | 2,724 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6801% | 904 |
| Cost of funding earning assets | 1.5716% | 781 |
| Net interest margin | 4.1085% | 2,377 |
| Noninterest income to average assets | 0.6583% | 2,773 |
| Noninterest expense to average assets | 2.7899% | 4,466 |
| Loan and lease loss provision to assets | 0.8375% | 1,083 |
| Net operating income to assets | 0.6875% | 3,611 |
| Return on assets (ROA) | 0.6875% | 3,729 |
| Pretax return on assets | 0.7985% | 4,038 |
| Return on Equity (ROE) | 6.7408% | 3,560 |
| Retained earnings to average equity (ytd only) | 0.7352% | 5,563 |
| Net charge-offs to loans | 1.2330% | 1,269 |
| Credit loss provision to net charge-offs | 95.1327% | 3,305 |
| Earnings coverage of net charge-offs (x) | 1.8584% | 3,940 |
| Efficiency ratio | 63.0363% | 5,403 |
| Assets per employee ($millions) | 3.3415% | 5,339 |
| Cash dividends to net income (ytd only)* | 89.0935% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3210% | 4,965 |
| Loan loss allowance to noncurrent loans | 40.0126% | 5,649 |
| Noncurrent assets plus other real estate owned to assets | 4.3765% | 1,442 |
| Noncurrent loans to loans | 3.3014% | 2,166 |
| Net loans and leases to total assets | 68.6162% | 2,492 |
| Net loans and leases to deposits | 82.2823% | 2,411 |
| Net loans and leases to core deposits | 88.5894% | 2,551 |
| Total domestic deposits to total assets | 83.3913% | 4,587 |
| Equity capital to assets | 10.1707% | 3,918 |
| Core capital (leverage) ratio | 9.4495% | 4,029 |
| Tier 1 risk-based capital ratio | 13.7388% | 4,353 |
| Total risk-based capital ratio | 14.9900% | 4,327 |
| Memoranda: | ||
| Average total assets | $205,384,330 | 3,027 |
| Average earning assets | $188,341,330 | 3,018 |
| Average equity | $20,947,000 | 3,007 |
| Average total loans | $146,637,000 | 2,737 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7946% | 745 |
| Cost of funding earning assets | 1.6089% | 792 |
| Net interest margin | 4.1857% | 1,944 |
| Noninterest income to average assets | 0.7120% | 2,506 |
| Noninterest expense to average assets | 2.6896% | 4,877 |
| Loan and lease loss provision to assets | 0.2445% | 3,221 |
| Net operating income to assets | 1.4925% | 888 |
| Return on assets (ROA) | 1.4925% | 933 |
| Pretax return on assets | 1.6099% | 1,167 |
| Return on Equity (ROE) | 14.6134% | 881 |
| Retained earnings to average equity (ytd only) | 8.5995% | 1,519 |
| Net charge-offs to loans | 0.1028% | 3,930 |
| Credit loss provision to net charge-offs | 328.9474% | 987 |
| Earnings coverage of net charge-offs (x) | 24.9474% | 975 |
| Efficiency ratio | 59.1907% | 6,102 |
| Assets per employee ($millions) | 3.5075% | 4,979 |
| Cash dividends to net income (ytd only)* | 41.1533% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3768% | 4,779 |
| Loan loss allowance to noncurrent loans | 35.7595% | 5,913 |
| Noncurrent assets plus other real estate owned to assets | 4.5882% | 1,408 |
| Noncurrent loans to loans | 3.8503% | 1,908 |
| Net loans and leases to total assets | 70.4032% | 2,052 |
| Net loans and leases to deposits | 84.1303% | 2,006 |
| Net loans and leases to core deposits | 90.3692% | 2,308 |
| Total domestic deposits to total assets | 83.6836% | 4,628 |
| Equity capital to assets | 10.2148% | 3,521 |
| Core capital (leverage) ratio | 9.7454% | 3,455 |
| Tier 1 risk-based capital ratio | 13.8591% | 4,168 |
| Total risk-based capital ratio | 15.1111% | 4,142 |
| Memoranda: | ||
| Average total assets | $204,489,500 | 3,061 |
| Average earning assets | $187,207,500 | 3,052 |
| Average equity | $20,885,000 | 2,997 |
| Average total loans | $147,926,500 | 2,742 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0743% | 737 |
| Cost of funding earning assets | 1.8309% | 1,057 |
| Net interest margin | 4.2434% | 2,021 |
| Noninterest income to average assets | 0.7268% | 2,668 |
| Noninterest expense to average assets | 2.7562% | 4,759 |
| Loan and lease loss provision to assets | 0.4884% | 3,218 |
| Net operating income to assets | 1.2411% | 1,315 |
| Return on assets (ROA) | 1.2411% | 1,384 |
| Pretax return on assets | 1.3695% | 1,739 |
| Return on Equity (ROE) | 12.2014% | 1,280 |
| Retained earnings to average equity (ytd only) | 2.9531% | 3,792 |
| Net charge-offs to loans | 0.8829% | 2,424 |
| Credit loss provision to net charge-offs | 74.9064% | 5,737 |
| Earnings coverage of net charge-offs (x) | 2.8494% | 3,650 |
| Efficiency ratio | 59.7332% | 6,088 |
| Assets per employee ($millions) | 3.3120% | 5,407 |
| Cash dividends to net income (ytd only)* | 75.7969% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 4,926 |
| Loan loss allowance to noncurrent loans | 39.9877% | 5,643 |
| Noncurrent assets plus other real estate owned to assets | 4.2339% | 1,578 |
| Noncurrent loans to loans | 3.2871% | 2,305 |
| Net loans and leases to total assets | 72.3522% | 2,018 |
| Net loans and leases to deposits | 85.9434% | 2,109 |
| Net loans and leases to core deposits | 92.6907% | 2,421 |
| Total domestic deposits to total assets | 84.1858% | 4,279 |
| Equity capital to assets | 10.2116% | 3,488 |
| Core capital (leverage) ratio | 9.6080% | 3,544 |
| Tier 1 risk-based capital ratio | 13.6871% | 4,070 |
| Total risk-based capital ratio | 14.9384% | 4,045 |
| Memoranda: | ||
| Average total assets | $204,741,400 | 3,043 |
| Average earning assets | $187,561,000 | 3,040 |
| Average equity | $20,825,400 | 3,036 |
| Average total loans | $151,205,600 | 2,751 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1112% | 743 |
| Cost of funding earning assets | 1.8577% | 1,176 |
| Net interest margin | 4.2535% | 2,018 |
| Noninterest income to average assets | 0.6887% | 2,887 |
| Noninterest expense to average assets | 2.7384% | 4,729 |
| Loan and lease loss provision to assets | 0.0649% | 6,416 |
| Net operating income to assets | 1.6441% | 681 |
| Return on assets (ROA) | 1.6441% | 749 |
| Pretax return on assets | 1.7836% | 958 |
| Return on Equity (ROE) | 16.1792% | 682 |
| Retained earnings to average equity (ytd only) | 6.3874% | 2,143 |
| Net charge-offs to loans | 0.3974% | 3,694 |
| Credit loss provision to net charge-offs | 22.0751% | 6,227 |
| Earnings coverage of net charge-offs (x) | 6.2870% | 2,552 |
| Efficiency ratio | 59.7000% | 5,999 |
| Assets per employee ($millions) | 3.2575% | 5,563 |
| Cash dividends to net income (ytd only)* | 60.5211% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 5,005 |
| Loan loss allowance to noncurrent loans | 27.1843% | 6,503 |
| Noncurrent assets plus other real estate owned to assets | 4.4632% | 1,523 |
| Noncurrent loans to loans | 4.7575% | 1,480 |
| Net loans and leases to total assets | 72.8965% | 2,034 |
| Net loans and leases to deposits | 86.6110% | 2,218 |
| Net loans and leases to core deposits | 93.6915% | 2,569 |
| Total domestic deposits to total assets | 84.1654% | 4,022 |
| Equity capital to assets | 10.7005% | 3,287 |
| Core capital (leverage) ratio | 9.8266% | 3,458 |
| Tier 1 risk-based capital ratio | 14.0477% | 3,799 |
| Total risk-based capital ratio | 15.2990% | 3,770 |
| Memoranda: | ||
| Average total assets | $205,418,250 | 3,071 |
| Average earning assets | $188,262,000 | 3,065 |
| Average equity | $20,874,000 | 3,064 |
| Average total loans | $151,976,250 | 2,779 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9509% | 1,050 |
| Cost of funding earning assets | 1.8849% | 1,285 |
| Net interest margin | 4.0660% | 2,716 |
| Noninterest income to average assets | 0.6651% | 2,929 |
| Noninterest expense to average assets | 2.7139% | 4,853 |
| Loan and lease loss provision to assets | 0.0968% | 5,944 |
| Net operating income to assets | 1.4494% | 993 |
| Return on assets (ROA) | 1.4494% | 1,060 |
| Pretax return on assets | 1.5762% | 1,368 |
| Return on Equity (ROE) | 14.5140% | 943 |
| Retained earnings to average equity (ytd only) | 4.2272% | 3,383 |
| Net charge-offs to loans | 0.2563% | 4,067 |
| Credit loss provision to net charge-offs | 51.0204% | 5,393 |
| Earnings coverage of net charge-offs (x) | 8.8163% | 2,091 |
| Efficiency ratio | 61.8627% | 5,712 |
| Assets per employee ($millions) | 3.3376% | 5,335 |
| Cash dividends to net income (ytd only)* | 70.8751% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4441% | 4,208 |
| Loan loss allowance to noncurrent loans | 31.9918% | 6,232 |
| Noncurrent assets plus other real estate owned to assets | 4.0255% | 1,714 |
| Noncurrent loans to loans | 4.5140% | 1,610 |
| Net loans and leases to total assets | 72.0957% | 2,371 |
| Net loans and leases to deposits | 85.0849% | 2,686 |
| Net loans and leases to core deposits | 92.0107% | 2,989 |
| Total domestic deposits to total assets | 84.7339% | 3,756 |
| Equity capital to assets | 10.0885% | 3,900 |
| Core capital (leverage) ratio | 9.2752% | 4,164 |
| Tier 1 risk-based capital ratio | 13.4123% | 4,129 |
| Total risk-based capital ratio | 14.6655% | 4,093 |
| Memoranda: | ||
| Average total assets | $206,570,000 | 3,084 |
| Average earning assets | $189,080,330 | 3,077 |
| Average equity | $20,628,330 | 3,088 |
| Average total loans | $152,917,330 | 2,784 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9164% | 1,165 |
| Cost of funding earning assets | 1.8688% | 1,572 |
| Net interest margin | 4.0476% | 2,658 |
| Noninterest income to average assets | 0.7481% | 2,311 |
| Noninterest expense to average assets | 2.7017% | 4,900 |
| Loan and lease loss provision to assets | 0.1454% | 5,097 |
| Net operating income to assets | 1.5156% | 871 |
| Return on assets (ROA) | 1.5156% | 935 |
| Pretax return on assets | 1.6454% | 1,171 |
| Return on Equity (ROE) | 15.2552% | 827 |
| Retained earnings to average equity (ytd only) | 3.7650% | 3,890 |
| Net charge-offs to loans | 0.2785% | 3,299 |
| Credit loss provision to net charge-offs | 70.0935% | 4,098 |
| Earnings coverage of net charge-offs (x) | 8.6355% | 1,937 |
| Efficiency ratio | 60.1381% | 6,146 |
| Assets per employee ($millions) | 3.3082% | 5,524 |
| Cash dividends to net income (ytd only)* | 75.3197% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4649% | 4,104 |
| Loan loss allowance to noncurrent loans | 32.8419% | 6,218 |
| Noncurrent assets plus other real estate owned to assets | 3.9700% | 1,734 |
| Noncurrent loans to loans | 4.4603% | 1,679 |
| Net loans and leases to total assets | 72.6186% | 2,297 |
| Net loans and leases to deposits | 84.7242% | 2,814 |
| Net loans and leases to core deposits | 91.3937% | 3,183 |
| Total domestic deposits to total assets | 85.7117% | 3,308 |
| Equity capital to assets | 9.9028% | 3,989 |
| Core capital (leverage) ratio | 9.3482% | 3,975 |
| Tier 1 risk-based capital ratio | 13.1376% | 4,243 |
| Total risk-based capital ratio | 14.3914% | 4,201 |
| Memoranda: | ||
| Average total assets | $206,390,500 | 3,140 |
| Average earning assets | $190,926,500 | 3,108 |
| Average equity | $20,504,500 | 3,131 |
| Average total loans | $153,689,500 | 2,839 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7328% | 435 |
| Cost of funding earning assets | 2.1495% | 2,236 |
| Net interest margin | 4.5833% | 1,015 |
| Noninterest income to average assets | 0.8062% | 2,377 |
| Noninterest expense to average assets | 2.8744% | 4,635 |
| Loan and lease loss provision to assets | 0.4582% | 4,077 |
| Net operating income to assets | 1.6078% | 540 |
| Return on assets (ROA) | 1.5920% | 594 |
| Pretax return on assets | 1.7106% | 761 |
| Return on Equity (ROE) | 16.0340% | 553 |
| Retained earnings to average equity (ytd only) | 4.1409% | 2,319 |
| Net charge-offs to loans | 0.1826% | 5,508 |
| Credit loss provision to net charge-offs | 330.3249% | 988 |
| Earnings coverage of net charge-offs (x) | 15.7581% | 1,288 |
| Efficiency ratio | 56.8036% | 6,913 |
| Assets per employee ($millions) | 3.2439% | 5,619 |
| Cash dividends to net income (ytd only)* | 74.1743% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4839% | 3,808 |
| Loan loss allowance to noncurrent loans | 107.3882% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 1.7513% | 3,744 |
| Noncurrent loans to loans | 1.3818% | 4,612 |
| Net loans and leases to total assets | 74.1312% | 2,244 |
| Net loans and leases to deposits | 88.2645% | 2,517 |
| Net loans and leases to core deposits | 117.3174% | 2,197 |
| Total domestic deposits to total assets | 83.9876% | 4,026 |
| Equity capital to assets | 9.9674% | 3,803 |
| Core capital (leverage) ratio | 9.2042% | 4,114 |
| Tier 1 risk-based capital ratio | 13.1025% | 4,079 |
| Total risk-based capital ratio | 14.3567% | 4,024 |
| Memoranda: | ||
| Average total assets | $199,692,000 | 3,186 |
| Average earning assets | $185,347,000 | 3,155 |
| Average equity | $19,826,600 | 3,228 |
| Average total loans | $151,673,600 | 2,894 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7982% | 418 |
| Cost of funding earning assets | 2.2140% | 2,343 |
| Net interest margin | 4.5841% | 1,013 |
| Noninterest income to average assets | 0.8247% | 2,318 |
| Noninterest expense to average assets | 2.7361% | 5,166 |
| Loan and lease loss provision to assets | 0.2955% | 4,613 |
| Net operating income to assets | 1.9132% | 347 |
| Return on assets (ROA) | 1.9376% | 358 |
| Pretax return on assets | 2.0786% | 464 |
| Return on Equity (ROE) | 19.5349% | 338 |
| Retained earnings to average equity (ytd only) | 7.5634% | 1,284 |
| Net charge-offs to loans | 0.1817% | 4,933 |
| Credit loss provision to net charge-offs | 213.5922% | 2,058 |
| Earnings coverage of net charge-offs (x) | 16.9709% | 1,433 |
| Efficiency ratio | 53.8177% | 7,255 |
| Assets per employee ($millions) | 3.1637% | 5,744 |
| Cash dividends to net income (ytd only)* | 61.2824% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 5,127 |
| Loan loss allowance to noncurrent loans | 75.2705% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 1.9943% | 3,355 |
| Noncurrent loans to loans | 1.5914% | 4,249 |
| Net loans and leases to total assets | 76.5030% | 1,892 |
| Net loans and leases to deposits | 95.5925% | 1,636 |
| Net loans and leases to core deposits | 126.8589% | 1,663 |
| Total domestic deposits to total assets | 80.0303% | 5,426 |
| Equity capital to assets | 10.2397% | 3,801 |
| Core capital (leverage) ratio | 9.6099% | 3,776 |
| Tier 1 risk-based capital ratio | 13.0507% | 4,154 |
| Total risk-based capital ratio | 14.3011% | 4,089 |
| Memoranda: | ||
| Average total assets | $198,523,500 | 3,215 |
| Average earning assets | $184,457,250 | 3,187 |
| Average equity | $19,690,750 | 3,290 |
| Average total loans | $151,146,750 | 2,925 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8242% | 432 |
| Cost of funding earning assets | 2.2922% | 2,382 |
| Net interest margin | 4.5320% | 1,094 |
| Noninterest income to average assets | 0.8073% | 2,375 |
| Noninterest expense to average assets | 2.7585% | 5,140 |
| Loan and lease loss provision to assets | 0.2951% | 4,204 |
| Net operating income to assets | 1.8275% | 434 |
| Return on assets (ROA) | 1.8275% | 478 |
| Pretax return on assets | 1.9644% | 609 |
| Return on Equity (ROE) | 18.6317% | 437 |
| Retained earnings to average equity (ytd only) | 6.4415% | 1,827 |
| Net charge-offs to loans | 0.1769% | 4,469 |
| Credit loss provision to net charge-offs | 220.4545% | 2,087 |
| Earnings coverage of net charge-offs (x) | 16.8788% | 1,514 |
| Efficiency ratio | 54.9717% | 7,229 |
| Assets per employee ($millions) | 3.1151% | 5,825 |
| Cash dividends to net income (ytd only)* | 65.4273% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1751% | 5,112 |
| Loan loss allowance to noncurrent loans | 187.6171% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 1.1592% | 4,622 |
| Noncurrent loans to loans | 0.6263% | 5,996 |
| Net loans and leases to total assets | 76.0545% | 2,169 |
| Net loans and leases to deposits | 92.7525% | 2,326 |
| Net loans and leases to core deposits | 120.9481% | 2,282 |
| Total domestic deposits to total assets | 81.9972% | 4,696 |
| Equity capital to assets | 9.8431% | 4,158 |
| Core capital (leverage) ratio | 9.4313% | 3,988 |
| Tier 1 risk-based capital ratio | 13.0046% | 4,145 |
| Total risk-based capital ratio | 14.2514% | 4,064 |
| Memoranda: | ||
| Average total assets | $197,205,670 | 3,255 |
| Average earning assets | $183,230,670 | 3,224 |
| Average equity | $19,343,330 | 3,348 |
| Average total loans | $149,269,330 | 2,998 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8999% | 408 |
| Cost of funding earning assets | 2.3461% | 2,521 |
| Net interest margin | 4.5538% | 1,031 |
| Noninterest income to average assets | 0.7159% | 2,788 |
| Noninterest expense to average assets | 2.5861% | 5,514 |
| Loan and lease loss provision to assets | 0.1530% | 4,974 |
| Net operating income to assets | 2.0436% | 326 |
| Return on assets (ROA) | 2.0436% | 369 |
| Pretax return on assets | 2.2006% | 443 |
| Return on Equity (ROE) | 20.8717% | 372 |
| Retained earnings to average equity (ytd only) | 8.5820% | 1,608 |
| Net charge-offs to loans | 0.2174% | 3,341 |
| Credit loss provision to net charge-offs | 93.7500% | 3,926 |
| Earnings coverage of net charge-offs (x) | 14.4250% | 1,669 |
| Efficiency ratio | 52.3534% | 7,381 |
| Assets per employee ($millions) | 3.2021% | 5,589 |
| Cash dividends to net income (ytd only)* | 58.8822% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 5,520 |
| Loan loss allowance to noncurrent loans | 298.5428% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.9913% | 4,714 |
| Noncurrent loans to loans | 0.3664% | 6,511 |
| Net loans and leases to total assets | 74.6565% | 2,585 |
| Net loans and leases to deposits | 91.1751% | 2,744 |
| Net loans and leases to core deposits | 118.4627% | 2,554 |
| Total domestic deposits to total assets | 81.8825% | 4,598 |
| Equity capital to assets | 9.8830% | 4,139 |
| Core capital (leverage) ratio | 9.4637% | 4,028 |
| Tier 1 risk-based capital ratio | 13.0386% | 4,167 |
| Total risk-based capital ratio | 14.1887% | 4,147 |
| Memoranda: | ||
| Average total assets | $196,124,000 | 3,283 |
| Average earning assets | $181,916,000 | 3,256 |
| Average equity | $19,203,000 | 3,386 |
| Average total loans | $147,188,000 | 3,053 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3727% | 520 |
| Cost of funding earning assets | 2.8453% | 2,497 |
| Net interest margin | 4.5274% | 1,357 |
| Noninterest income to average assets | 0.6667% | 3,362 |
| Noninterest expense to average assets | 2.7212% | 5,171 |
| Loan and lease loss provision to assets | 0.1225% | 5,789 |
| Net operating income to assets | 1.8791% | 454 |
| Return on assets (ROA) | 1.8835% | 436 |
| Pretax return on assets | 2.0200% | 574 |
| Return on Equity (ROE) | 20.0399% | 369 |
| Retained earnings to average equity (ytd only) | 6.0902% | 1,489 |
| Net charge-offs to loans | 0.0411% | 6,207 |
| Credit loss provision to net charge-offs | 412.2807% | 1,059 |
| Earnings coverage of net charge-offs (x) | 71.9474% | 563 |
| Efficiency ratio | 56.0026% | 7,012 |
| Assets per employee ($millions) | 3.0749% | 5,851 |
| Cash dividends to net income (ytd only)* | 69.6097% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 5,009 |
| Loan loss allowance to noncurrent loans | 261.3672% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.8043% | 4,838 |
| Noncurrent loans to loans | 0.4352% | 6,045 |
| Net loans and leases to total assets | 73.7554% | 3,168 |
| Net loans and leases to deposits | 90.2320% | 3,414 |
| Net loans and leases to core deposits | 116.6382% | 3,052 |
| Total domestic deposits to total assets | 81.7398% | 4,302 |
| Equity capital to assets | 9.6972% | 4,424 |
| Core capital (leverage) ratio | 9.4578% | 4,076 |
| Tier 1 risk-based capital ratio | 13.2646% | 3,958 |
| Total risk-based capital ratio | 14.4645% | 3,899 |
| Memoranda: | ||
| Average total assets | $191,827,200 | 3,244 |
| Average earning assets | $177,628,600 | 3,214 |
| Average equity | $18,029,000 | 3,551 |
| Average total loans | $138,776,200 | 3,117 |