Home > The First National Bank of Raymond > Performance and Condition Ratios
The First National Bank of Raymond, 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 | 3.6623% | 4,305 |
| Cost of funding earning assets | 0.6776% | 3,957 |
| Net interest margin | 2.9847% | 3,317 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.3828% | 2,636 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.7978% | 2,876 |
| Return on assets (ROA) | 0.7978% | 2,859 |
| Pretax return on assets | 0.8077% | 3,196 |
| Return on Equity (ROE) | 18.4500% | 766 |
| Retained earnings to average equity (ytd only) | 7.5742% | 1,677 |
| Net charge-offs to loans | -0.0448% | 4,347 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.8995% | 1,472 |
| Assets per employee ($millions) | 5.0687% | 3,586 |
| Cash dividends to net income (ytd only)* | 58.9459% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1293% | 2,666 |
| Loan loss allowance to noncurrent loans | 96.8023% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 0.5656% | 988 |
| Noncurrent loans to loans | 1.1666% | 618 |
| Net loans and leases to total assets | 47.9300% | 3,729 |
| Net loans and leases to deposits | 54.6462% | 3,759 |
| Net loans and leases to core deposits | 58.2829% | 3,828 |
| Total domestic deposits to total assets | 87.7100% | 1,448 |
| Equity capital to assets | 5.2145% | 4,378 |
| Core capital (leverage) ratio | 10.7463% | 2,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $180,750,400 | 3,125 |
| Average earning assets | $173,986,800 | 3,060 |
| Average equity | $7,816,000 | 3,949 |
| Average total loans | $82,577,400 | 3,371 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6041% | 4,302 |
| Cost of funding earning assets | 0.5869% | 3,993 |
| Net interest margin | 3.0172% | 3,315 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.4001% | 2,515 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.7793% | 3,087 |
| Return on assets (ROA) | 0.7793% | 3,077 |
| Pretax return on assets | 0.7926% | 3,351 |
| Return on Equity (ROE) | 19.0100% | 819 |
| Retained earnings to average equity (ytd only) | 12.6994% | 855 |
| Net charge-offs to loans | -0.0608% | 4,410 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 74.2864% | 1,340 |
| Assets per employee ($millions) | 5.0404% | 3,575 |
| Cash dividends to net income (ytd only)* | 33.2068% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 2,274 |
| Loan loss allowance to noncurrent loans | 98.2301% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 0.6094% | 964 |
| Noncurrent loans to loans | 1.2398% | 626 |
| Net loans and leases to total assets | 45.9300% | 3,837 |
| Net loans and leases to deposits | 47.6003% | 4,019 |
| Net loans and leases to core deposits | 50.6469% | 4,025 |
| Total domestic deposits to total assets | 96.4900% | 64 |
| Equity capital to assets | 3.2701% | 4,469 |
| Core capital (leverage) ratio | 10.7297% | 2,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $180,320,000 | 3,131 |
| Average earning assets | $173,577,250 | 3,071 |
| Average equity | $7,391,250 | 4,004 |
| Average total loans | $81,106,000 | 3,401 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5625% | 4,289 |
| Cost of funding earning assets | 0.5733% | 3,823 |
| Net interest margin | 2.9892% | 3,458 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.3764% | 2,570 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.7620% | 3,186 |
| Return on assets (ROA) | 0.7620% | 3,204 |
| Pretax return on assets | 0.7818% | 3,439 |
| Return on Equity (ROE) | 17.4500% | 1,026 |
| Retained earnings to average equity (ytd only) | 12.4054% | 906 |
| Net charge-offs to loans | -0.0891% | 4,492 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.1189% | 1,335 |
| Assets per employee ($millions) | 5.4237% | 3,216 |
| Cash dividends to net income (ytd only)* | 28.9017% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2659% | 2,094 |
| Loan loss allowance to noncurrent loans | 96.0539% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 0.6129% | 875 |
| Noncurrent loans to loans | 1.3179% | 537 |
| Net loans and leases to total assets | 43.4900% | 3,900 |
| Net loans and leases to deposits | 45.5770% | 4,053 |
| Net loans and leases to core deposits | 48.2101% | 4,064 |
| Total domestic deposits to total assets | 95.4200% | 75 |
| Equity capital to assets | 4.3804% | 4,461 |
| Core capital (leverage) ratio | 10.5100% | 2,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $181,621,667 | 3,127 |
| Average earning assets | $174,763,000 | 3,069 |
| Average equity | $7,932,000 | 3,962 |
| Average total loans | $80,798,667 | 3,401 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5631% | 4,199 |
| Cost of funding earning assets | 0.5632% | 3,491 |
| Net interest margin | 2.9999% | 3,598 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.5013% | 2,242 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.6603% | 3,552 |
| Return on assets (ROA) | 0.6603% | 3,506 |
| Pretax return on assets | 0.6997% | 3,664 |
| Return on Equity (ROE) | 15.1400% | 1,532 |
| Retained earnings to average equity (ytd only) | 7.6210% | 2,328 |
| Net charge-offs to loans | 0.1565% | 441 |
| Credit loss provision to net charge-offs | 28.1250% | 1,361 |
| Earnings coverage of net charge-offs (x) | 10.2813% | 1,664 |
| Efficiency ratio | 77.2573% | 1,070 |
| Assets per employee ($millions) | 5.2272% | 3,483 |
| Cash dividends to net income (ytd only)* | 49.6689% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1513% | 2,814 |
| Loan loss allowance to noncurrent loans | 208.9888% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.2749% | 1,767 |
| Noncurrent loans to loans | 0.5509% | 1,345 |
| Net loans and leases to total assets | 43.6400% | 3,881 |
| Net loans and leases to deposits | 46.4358% | 4,022 |
| Net loans and leases to core deposits | 49.2533% | 4,010 |
| Total domestic deposits to total assets | 93.9900% | 172 |
| Equity capital to assets | 4.4635% | 4,498 |
| Core capital (leverage) ratio | 9.9187% | 2,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $182,942,000 | 3,156 |
| Average earning assets | $176,140,000 | 3,093 |
| Average equity | $7,978,000 | 4,002 |
| Average total loans | $81,778,500 | 3,429 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0475% | 4,077 |
| Cost of funding earning assets | 0.2382% | 3,426 |
| Net interest margin | 2.8093% | 3,876 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.2100% | 3,001 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.8043% | 3,311 |
| Return on assets (ROA) | 0.8043% | 3,238 |
| Pretax return on assets | 0.8163% | 3,583 |
| Return on Equity (ROE) | 13.9700% | 1,537 |
| Retained earnings to average equity (ytd only) | 8.1123% | 1,786 |
| Net charge-offs to loans | -0.0210% | 4,079 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.1492% | 1,429 |
| Assets per employee ($millions) | 5.3804% | 3,338 |
| Cash dividends to net income (ytd only)* | 41.9223% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1428% | 2,684 |
| Loan loss allowance to noncurrent loans | 159.7973% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.3236% | 1,565 |
| Noncurrent loans to loans | 0.7151% | 1,051 |
| Net loans and leases to total assets | 44.7400% | 3,858 |
| Net loans and leases to deposits | 48.4523% | 3,959 |
| Net loans and leases to core deposits | 51.2263% | 3,931 |
| Total domestic deposits to total assets | 92.3300% | 554 |
| Equity capital to assets | 4.2584% | 4,492 |
| Core capital (leverage) ratio | 10.3498% | 2,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $182,398,400 | 3,166 |
| Average earning assets | $176,735,800 | 3,090 |
| Average equity | $10,502,600 | 3,811 |
| Average total loans | $80,796,400 | 3,406 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9813% | 3,916 |
| Cost of funding earning assets | 0.1908% | 3,386 |
| Net interest margin | 2.7906% | 3,753 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.2224% | 2,867 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.7747% | 3,338 |
| Return on assets (ROA) | 0.7747% | 3,292 |
| Pretax return on assets | 0.7908% | 3,605 |
| Return on Equity (ROE) | 12.6300% | 1,827 |
| Retained earnings to average equity (ytd only) | 10.3032% | 1,255 |
| Net charge-offs to loans | -0.0382% | 4,227 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.7229% | 1,419 |
| Assets per employee ($millions) | 4.9245% | 3,743 |
| Cash dividends to net income (ytd only)* | 18.4136% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 2,408 |
| Loan loss allowance to noncurrent loans | 156.8369% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.3424% | 1,581 |
| Noncurrent loans to loans | 0.7796% | 1,039 |
| Net loans and leases to total assets | 43.3800% | 3,914 |
| Net loans and leases to deposits | 45.0540% | 4,065 |
| Net loans and leases to core deposits | 47.1279% | 4,057 |
| Total domestic deposits to total assets | 96.2900% | 107 |
| Equity capital to assets | 3.2491% | 4,571 |
| Core capital (leverage) ratio | 9.8952% | 2,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $182,264,750 | 3,189 |
| Average earning assets | $176,830,000 | 3,112 |
| Average equity | $11,180,750 | 3,790 |
| Average total loans | $80,300,000 | 3,420 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8650% | 3,863 |
| Cost of funding earning assets | 0.1940% | 2,990 |
| Net interest margin | 2.6710% | 3,761 |
| Noninterest income to average assets | 0.3295% | 3,193 |
| Noninterest expense to average assets | 2.2129% | 2,810 |
| Loan and lease loss provision to assets | 0.0337% | 1,975 |
| Net operating income to assets | 0.6492% | 3,475 |
| Return on assets (ROA) | 0.6492% | 3,424 |
| Pretax return on assets | 0.6731% | 3,646 |
| Return on Equity (ROE) | 9.1933% | 2,631 |
| Retained earnings to average equity (ytd only) | 7.9614% | 1,636 |
| Net charge-offs to loans | -0.0616% | 4,314 |
| Credit loss provision to net charge-offs | -124.0000% | 3,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3073% | 1,357 |
| Assets per employee ($millions) | 5.3335% | 3,399 |
| Cash dividends to net income (ytd only)* | 13.4003% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2778% | 2,286 |
| Loan loss allowance to noncurrent loans | 191.1824% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.2673% | 1,975 |
| Noncurrent loans to loans | 0.6684% | 1,287 |
| Net loans and leases to total assets | 39.4839% | 4,099 |
| Net loans and leases to deposits | 41.1822% | 4,221 |
| Net loans and leases to core deposits | 42.9256% | 4,229 |
| Total domestic deposits to total assets | 95.8762% | 91 |
| Equity capital to assets | 4.0381% | 4,620 |
| Core capital (leverage) ratio | 9.5568% | 2,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,925,667 | 3,208 |
| Average earning assets | $178,357,667 | 3,144 |
| Average equity | $12,987,667 | 3,682 |
| Average total loans | $81,113,333 | 3,438 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7768% | 3,788 |
| Cost of funding earning assets | 0.2011% | 2,785 |
| Net interest margin | 2.5757% | 3,717 |
| Noninterest income to average assets | 0.3572% | 2,952 |
| Noninterest expense to average assets | 2.3511% | 2,335 |
| Loan and lease loss provision to assets | 0.0679% | 1,205 |
| Net operating income to assets | 0.3878% | 3,979 |
| Return on assets (ROA) | 0.3878% | 3,944 |
| Pretax return on assets | 0.4360% | 3,973 |
| Return on Equity (ROE) | 4.5060% | 3,760 |
| Retained earnings to average equity (ytd only) | 3.7422% | 3,032 |
| Net charge-offs to loans | -0.0379% | 4,173 |
| Credit loss provision to net charge-offs | -387.5000% | 3,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8112% | 993 |
| Assets per employee ($millions) | 5.4166% | 3,377 |
| Cash dividends to net income (ytd only)* | 16.9492% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1105% | 3,287 |
| Loan loss allowance to noncurrent loans | 159.0832% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.3107% | 1,877 |
| Noncurrent loans to loans | 0.6980% | 1,363 |
| Net loans and leases to total assets | 44.0139% | 3,734 |
| Net loans and leases to deposits | 47.3814% | 3,908 |
| Net loans and leases to core deposits | 49.8605% | 3,883 |
| Total domestic deposits to total assets | 92.8927% | 301 |
| Equity capital to assets | 7.0033% | 4,216 |
| Core capital (leverage) ratio | 9.5563% | 2,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,553,000 | 3,231 |
| Average earning assets | $177,040,500 | 3,168 |
| Average equity | $15,712,500 | 3,496 |
| Average total loans | $84,340,500 | 3,401 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0394% | 3,800 |
| Cost of funding earning assets | 0.2575% | 2,837 |
| Net interest margin | 2.7818% | 3,706 |
| Noninterest income to average assets | 0.3400% | 3,379 |
| Noninterest expense to average assets | 2.0735% | 3,462 |
| Loan and lease loss provision to assets | 0.0507% | 2,046 |
| Net operating income to assets | 0.9038% | 3,027 |
| Return on assets (ROA) | 0.9674% | 2,868 |
| Pretax return on assets | 0.9776% | 3,321 |
| Return on Equity (ROE) | 9.1876% | 2,837 |
| Retained earnings to average equity (ytd only) | 4.3689% | 3,065 |
| Net charge-offs to loans | -0.0149% | 3,874 |
| Credit loss provision to net charge-offs | -750.0000% | 3,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7803% | 2,017 |
| Assets per employee ($millions) | 4.8757% | 3,831 |
| Cash dividends to net income (ytd only)* | 52.4476% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0652% | 3,498 |
| Loan loss allowance to noncurrent loans | 156.7190% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.3504% | 1,823 |
| Noncurrent loans to loans | 0.6797% | 1,472 |
| Net loans and leases to total assets | 47.5169% | 3,536 |
| Net loans and leases to deposits | 53.0486% | 3,663 |
| Net loans and leases to core deposits | 55.9526% | 3,621 |
| Total domestic deposits to total assets | 89.5724% | 1,191 |
| Equity capital to assets | 10.3393% | 2,329 |
| Core capital (leverage) ratio | 9.8347% | 2,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,377,400 | 3,231 |
| Average earning assets | $172,009,800 | 3,164 |
| Average equity | $18,677,400 | 3,331 |
| Average total loans | $80,505,600 | 3,476 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1208% | 3,768 |
| Cost of funding earning assets | 0.2680% | 2,923 |
| Net interest margin | 2.8528% | 3,650 |
| Noninterest income to average assets | 0.3584% | 3,312 |
| Noninterest expense to average assets | 2.0880% | 3,398 |
| Loan and lease loss provision to assets | 0.0675% | 1,656 |
| Net operating income to assets | 0.9594% | 3,049 |
| Return on assets (ROA) | 1.0129% | 2,923 |
| Pretax return on assets | 1.0264% | 3,382 |
| Return on Equity (ROE) | 9.5764% | 2,897 |
| Retained earnings to average equity (ytd only) | 7.4499% | 2,250 |
| Net charge-offs to loans | -0.0034% | 3,330 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2752% | 2,066 |
| Assets per employee ($millions) | 4.9705% | 3,730 |
| Cash dividends to net income (ytd only)* | 22.2058% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1583% | 3,176 |
| Loan loss allowance to noncurrent loans | 130.2053% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3811% | 1,917 |
| Noncurrent loans to loans | 0.8896% | 1,292 |
| Net loans and leases to total assets | 42.3467% | 4,067 |
| Net loans and leases to deposits | 47.5481% | 4,144 |
| Net loans and leases to core deposits | 49.9937% | 4,138 |
| Total domestic deposits to total assets | 89.0610% | 1,243 |
| Equity capital to assets | 10.8385% | 2,139 |
| Core capital (leverage) ratio | 9.7549% | 2,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,840,500 | 3,262 |
| Average earning assets | $172,644,250 | 3,191 |
| Average equity | $18,809,750 | 3,360 |
| Average total loans | $79,556,500 | 3,535 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2715% | 3,503 |
| Cost of funding earning assets | 0.2842% | 2,930 |
| Net interest margin | 2.9873% | 3,358 |
| Noninterest income to average assets | 0.3674% | 3,270 |
| Noninterest expense to average assets | 2.1073% | 3,362 |
| Loan and lease loss provision to assets | 0.1014% | 1,253 |
| Net operating income to assets | 1.0418% | 2,751 |
| Return on assets (ROA) | 1.1213% | 2,533 |
| Pretax return on assets | 1.1416% | 3,085 |
| Return on Equity (ROE) | 10.6903% | 2,530 |
| Retained earnings to average equity (ytd only) | 8.0043% | 2,069 |
| Net charge-offs to loans | 0.0025% | 2,110 |
| Credit loss provision to net charge-offs | 9,000.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 1,031.0000% | 121 |
| Efficiency ratio | 64.0124% | 2,427 |
| Assets per employee ($millions) | 5.1836% | 3,476 |
| Cash dividends to net income (ytd only)* | 25.1256% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0923% | 3,454 |
| Loan loss allowance to noncurrent loans | 112.3096% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 0.4410% | 1,863 |
| Noncurrent loans to loans | 0.9726% | 1,269 |
| Net loans and leases to total assets | 44.1714% | 4,032 |
| Net loans and leases to deposits | 49.3215% | 4,147 |
| Net loans and leases to core deposits | 52.2082% | 4,123 |
| Total domestic deposits to total assets | 89.5582% | 998 |
| Equity capital to assets | 10.3536% | 2,533 |
| Core capital (leverage) ratio | 9.5632% | 2,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,475,000 | 3,265 |
| Average earning assets | $172,398,667 | 3,193 |
| Average equity | $18,615,000 | 3,373 |
| Average total loans | $80,521,333 | 3,540 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4435% | 3,075 |
| Cost of funding earning assets | 0.3047% | 2,939 |
| Net interest margin | 3.1387% | 2,878 |
| Noninterest income to average assets | 0.4080% | 3,047 |
| Noninterest expense to average assets | 2.4296% | 2,403 |
| Loan and lease loss provision to assets | 0.2051% | 588 |
| Net operating income to assets | 0.7872% | 3,463 |
| Return on assets (ROA) | 0.8479% | 3,354 |
| Pretax return on assets | 0.8889% | 3,628 |
| Return on Equity (ROE) | 8.0300% | 3,309 |
| Retained earnings to average equity (ytd only) | 8.0300% | 2,222 |
| Net charge-offs to loans | -0.0149% | 3,855 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8287% | 1,727 |
| Assets per employee ($millions) | 4.8931% | 3,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0883% | 3,494 |
| Loan loss allowance to noncurrent loans | 110.8479% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.4430% | 2,058 |
| Noncurrent loans to loans | 0.9818% | 1,375 |
| Net loans and leases to total assets | 44.6303% | 4,075 |
| Net loans and leases to deposits | 49.6879% | 4,178 |
| Net loans and leases to core deposits | 52.6042% | 4,167 |
| Total domestic deposits to total assets | 89.8212% | 902 |
| Equity capital to assets | 10.0611% | 2,655 |
| Core capital (leverage) ratio | 9.5952% | 2,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,500,000 | 3,282 |
| Average earning assets | $170,641,500 | 3,205 |
| Average equity | $18,530,500 | 3,370 |
| Average total loans | $80,270,500 | 3,557 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5501% | 3,920 |
| Cost of funding earning assets | 0.4549% | 3,255 |
| Net interest margin | 3.0952% | 3,640 |
| Noninterest income to average assets | 0.4144% | 3,031 |
| Noninterest expense to average assets | 2.4597% | 2,959 |
| Loan and lease loss provision to assets | 0.0549% | 3,684 |
| Net operating income to assets | 0.8775% | 2,798 |
| Return on assets (ROA) | 0.8794% | 2,925 |
| Pretax return on assets | 0.8825% | 3,415 |
| Return on Equity (ROE) | 7.8999% | 2,858 |
| Retained earnings to average equity (ytd only) | 0.3308% | 4,414 |
| Net charge-offs to loans | -0.0199% | 4,426 |
| Credit loss provision to net charge-offs | -550.0000% | 3,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9669% | 1,687 |
| Assets per employee ($millions) | 4.5934% | 3,819 |
| Cash dividends to net income (ytd only)* | 95.8126% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0095% | 3,831 |
| Loan loss allowance to noncurrent loans | 95.3293% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 0.4913% | 2,090 |
| Noncurrent loans to loans | 1.0589% | 1,342 |
| Net loans and leases to total assets | 45.9269% | 4,129 |
| Net loans and leases to deposits | 53.1318% | 4,151 |
| Net loans and leases to core deposits | 56.4360% | 4,130 |
| Total domestic deposits to total assets | 86.4395% | 2,173 |
| Equity capital to assets | 11.0887% | 2,184 |
| Core capital (leverage) ratio | 9.7322% | 2,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6552% | 1,115 |
| Memoranda: | ||
| Average total assets | $160,222,600 | 3,284 |
| Average earning assets | $154,304,000 | 3,219 |
| Average equity | $17,835,600 | 3,382 |
| Average total loans | $80,451,400 | 3,546 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7054% | 3,788 |
| Cost of funding earning assets | 0.4803% | 3,356 |
| Net interest margin | 3.2251% | 3,409 |
| Noninterest income to average assets | 0.3963% | 3,101 |
| Noninterest expense to average assets | 2.4707% | 2,932 |
| Loan and lease loss provision to assets | 0.0735% | 3,404 |
| Net operating income to assets | 0.9515% | 2,513 |
| Return on assets (ROA) | 0.9540% | 2,638 |
| Pretax return on assets | 0.9582% | 3,204 |
| Return on Equity (ROE) | 8.5611% | 2,579 |
| Retained earnings to average equity (ytd only) | 2.4948% | 3,748 |
| Net charge-offs to loans | -0.0231% | 4,458 |
| Credit loss provision to net charge-offs | -621.4286% | 3,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1111% | 1,870 |
| Assets per employee ($millions) | 4.7614% | 3,524 |
| Cash dividends to net income (ytd only)* | 70.8592% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 3,652 |
| Loan loss allowance to noncurrent loans | 97.6601% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 0.5023% | 2,198 |
| Noncurrent loans to loans | 1.0367% | 1,445 |
| Net loans and leases to total assets | 46.5241% | 4,289 |
| Net loans and leases to deposits | 53.9901% | 4,337 |
| Net loans and leases to core deposits | 57.5022% | 4,321 |
| Total domestic deposits to total assets | 86.1715% | 1,991 |
| Equity capital to assets | 11.3112% | 2,139 |
| Core capital (leverage) ratio | 9.9754% | 2,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7836% | 1,086 |
| Memoranda: | ||
| Average total assets | $157,789,000 | 3,292 |
| Average earning assets | $151,844,750 | 3,222 |
| Average equity | $17,583,000 | 3,410 |
| Average total loans | $80,851,250 | 3,558 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9405% | 3,496 |
| Cost of funding earning assets | 0.5050% | 3,503 |
| Net interest margin | 3.4355% | 2,989 |
| Noninterest income to average assets | 0.3681% | 3,270 |
| Noninterest expense to average assets | 2.5085% | 2,940 |
| Loan and lease loss provision to assets | 0.1124% | 2,890 |
| Net operating income to assets | 1.0450% | 2,168 |
| Return on assets (ROA) | 1.0514% | 2,276 |
| Pretax return on assets | 1.0579% | 2,844 |
| Return on Equity (ROE) | 9.4868% | 2,159 |
| Retained earnings to average equity (ytd only) | 5.9904% | 2,084 |
| Net charge-offs to loans | -0.0220% | 4,433 |
| Credit loss provision to net charge-offs | -966.6667% | 3,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8509% | 2,252 |
| Assets per employee ($millions) | 4.6034% | 3,649 |
| Cash dividends to net income (ytd only)* | 36.8550% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 3,580 |
| Loan loss allowance to noncurrent loans | 107.3569% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 0.4930% | 2,359 |
| Noncurrent loans to loans | 0.9311% | 1,659 |
| Net loans and leases to total assets | 47.0921% | 4,309 |
| Net loans and leases to deposits | 54.6742% | 4,351 |
| Net loans and leases to core deposits | 58.0657% | 4,353 |
| Total domestic deposits to total assets | 86.1322% | 1,951 |
| Equity capital to assets | 11.3690% | 2,064 |
| Core capital (leverage) ratio | 10.7121% | 2,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7952% | 938 |
| Memoranda: | ||
| Average total assets | $154,835,667 | 3,306 |
| Average earning assets | $148,917,000 | 3,234 |
| Average equity | $17,160,667 | 3,455 |
| Average total loans | $81,693,333 | 3,550 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0271% | 3,714 |
| Cost of funding earning assets | 0.5382% | 3,756 |
| Net interest margin | 3.4889% | 3,020 |
| Noninterest income to average assets | 0.3856% | 3,198 |
| Noninterest expense to average assets | 2.7230% | 2,647 |
| Loan and lease loss provision to assets | 0.1660% | 1,761 |
| Net operating income to assets | 0.8330% | 2,784 |
| Return on assets (ROA) | 0.8461% | 2,817 |
| Pretax return on assets | 0.8595% | 3,255 |
| Return on Equity (ROE) | 7.7449% | 2,621 |
| Retained earnings to average equity (ytd only) | 5.2940% | 2,155 |
| Net charge-offs to loans | -0.0192% | 4,324 |
| Credit loss provision to net charge-offs | -1,550.0000% | 3,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4014% | 2,019 |
| Assets per employee ($millions) | 4.0382% | 3,868 |
| Cash dividends to net income (ytd only)* | 31.6456% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9210% | 4,031 |
| Loan loss allowance to noncurrent loans | 119.7472% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.5080% | 2,473 |
| Noncurrent loans to loans | 0.7691% | 2,075 |
| Net loans and leases to total assets | 54.5766% | 3,938 |
| Net loans and leases to deposits | 61.0464% | 4,157 |
| Net loans and leases to core deposits | 65.2488% | 4,114 |
| Total domestic deposits to total assets | 89.4018% | 509 |
| Equity capital to assets | 10.4791% | 3,343 |
| Core capital (leverage) ratio | 11.0897% | 2,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7706% | 1,178 |
| Memoranda: | ||
| Average total assets | $149,392,500 | 3,329 |
| Average earning assets | $143,428,000 | 3,260 |
| Average equity | $16,320,500 | 3,528 |
| Average total loans | $83,125,000 | 3,531 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9754% | 4,309 |
| Cost of funding earning assets | 0.5114% | 4,039 |
| Net interest margin | 3.4641% | 3,553 |
| Noninterest income to average assets | 0.4418% | 3,049 |
| Noninterest expense to average assets | 2.6678% | 2,974 |
| Loan and lease loss provision to assets | 0.6441% | 179 |
| Net operating income to assets | 0.4419% | 4,515 |
| Return on assets (ROA) | 0.4438% | 4,547 |
| Pretax return on assets | 0.4547% | 4,638 |
| Return on Equity (ROE) | 4.0275% | 4,450 |
| Retained earnings to average equity (ytd only) | 1.1112% | 4,350 |
| Net charge-offs to loans | 1.0393% | 155 |
| Credit loss provision to net charge-offs | 105.1934% | 2,356 |
| Earnings coverage of net charge-offs (x) | 1.7912% | 3,491 |
| Efficiency ratio | 70.3990% | 2,112 |
| Assets per employee ($millions) | 4.0371% | 3,859 |
| Cash dividends to net income (ytd only)* | 72.4085% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8243% | 4,236 |
| Loan loss allowance to noncurrent loans | 101.6153% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.5690% | 2,181 |
| Noncurrent loans to loans | 0.8112% | 1,882 |
| Net loans and leases to total assets | 55.7370% | 3,939 |
| Net loans and leases to deposits | 62.9621% | 4,139 |
| Net loans and leases to core deposits | 67.3652% | 4,118 |
| Total domestic deposits to total assets | 88.5247% | 874 |
| Equity capital to assets | 11.3702% | 2,645 |
| Core capital (leverage) ratio | 11.0673% | 2,441 |
| Tier 1 risk-based capital ratio | 16.9441% | 2,065 |
| Total risk-based capital ratio | 17.6510% | 2,194 |
| Memoranda: | ||
| Average total assets | $147,799,800 | 3,328 |
| Average earning assets | $141,770,200 | 3,256 |
| Average equity | $16,288,200 | 3,521 |
| Average total loans | $87,075,600 | 3,465 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9810% | 4,401 |
| Cost of funding earning assets | 0.5006% | 4,140 |
| Net interest margin | 3.4804% | 3,632 |
| Noninterest income to average assets | 0.4405% | 3,078 |
| Noninterest expense to average assets | 2.6656% | 2,963 |
| Loan and lease loss provision to assets | 0.8611% | 116 |
| Net operating income to assets | 0.2384% | 4,913 |
| Return on assets (ROA) | 0.2325% | 4,931 |
| Pretax return on assets | 0.2469% | 4,956 |
| Return on Equity (ROE) | 2.1264% | 4,882 |
| Retained earnings to average equity (ytd only) | 0.2648% | 4,712 |
| Net charge-offs to loans | 1.3931% | 97 |
| Credit loss provision to net charge-offs | 103.7037% | 2,179 |
| Earnings coverage of net charge-offs (x) | 1.3421% | 3,306 |
| Efficiency ratio | 70.0407% | 2,111 |
| Assets per employee ($millions) | 3.7398% | 4,233 |
| Cash dividends to net income (ytd only)* | 87.5474% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8291% | 4,312 |
| Loan loss allowance to noncurrent loans | 103.5061% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.4907% | 2,566 |
| Noncurrent loans to loans | 0.8010% | 1,970 |
| Net loans and leases to total assets | 54.2911% | 4,158 |
| Net loans and leases to deposits | 61.2654% | 4,328 |
| Net loans and leases to core deposits | 65.7603% | 4,291 |
| Total domestic deposits to total assets | 88.6162% | 774 |
| Equity capital to assets | 11.2802% | 2,849 |
| Core capital (leverage) ratio | 11.0458% | 2,605 |
| Tier 1 risk-based capital ratio | 17.2271% | 2,018 |
| Total risk-based capital ratio | 17.9389% | 2,128 |
| Memoranda: | ||
| Average total assets | $147,406,500 | 3,371 |
| Average earning assets | $141,434,250 | 3,293 |
| Average equity | $16,114,250 | 3,563 |
| Average total loans | $87,857,500 | 3,487 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9612% | 4,459 |
| Cost of funding earning assets | 0.4881% | 4,174 |
| Net interest margin | 3.4732% | 3,676 |
| Noninterest income to average assets | 0.4350% | 3,035 |
| Noninterest expense to average assets | 2.7025% | 2,897 |
| Loan and lease loss provision to assets | 1.2981% | 67 |
| Net operating income to assets | -0.2495% | 5,157 |
| Return on assets (ROA) | -0.2536% | 5,164 |
| Pretax return on assets | -0.2318% | 5,153 |
| Return on Equity (ROE) | -2.3454% | 5,171 |
| Retained earnings to average equity (ytd only) | -3.9216% | 5,011 |
| Net charge-offs to loans | -0.0312% | 4,696 |
| Credit loss provision to net charge-offs | -6,800.0000% | 4,512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1601% | 2,043 |
| Assets per employee ($millions) | 3.6651% | 4,291 |
| Cash dividends to net income (ytd only)* | -67.2043% | 5,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7372% | 766 |
| Loan loss allowance to noncurrent loans | 94.1555% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 1.1671% | 1,156 |
| Noncurrent loans to loans | 1.8450% | 812 |
| Net loans and leases to total assets | 62.1574% | 3,529 |
| Net loans and leases to deposits | 70.7655% | 3,784 |
| Net loans and leases to core deposits | 76.0469% | 3,724 |
| Total domestic deposits to total assets | 87.8358% | 1,180 |
| Equity capital to assets | 11.1868% | 2,874 |
| Core capital (leverage) ratio | 11.0137% | 2,587 |
| Tier 1 risk-based capital ratio | 15.6162% | 2,579 |
| Total risk-based capital ratio | 16.8698% | 2,508 |
| Memoranda: | ||
| Average total assets | $146,678,670 | 3,392 |
| Average earning assets | $140,967,000 | 3,312 |
| Average equity | $15,861,000 | 3,598 |
| Average total loans | $89,845,670 | 3,462 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9692% | 4,433 |
| Cost of funding earning assets | 0.4720% | 4,192 |
| Net interest margin | 3.4972% | 3,599 |
| Noninterest income to average assets | 0.4635% | 2,780 |
| Noninterest expense to average assets | 2.7563% | 2,721 |
| Loan and lease loss provision to assets | 0.1390% | 1,240 |
| Net operating income to assets | 0.8779% | 3,318 |
| Return on assets (ROA) | 0.8779% | 3,367 |
| Pretax return on assets | 0.9215% | 3,695 |
| Return on Equity (ROE) | 8.2609% | 3,136 |
| Retained earnings to average equity (ytd only) | 8.2609% | 1,571 |
| Net charge-offs to loans | 0.0498% | 1,572 |
| Credit loss provision to net charge-offs | 463.6364% | 636 |
| Earnings coverage of net charge-offs (x) | 35.3636% | 1,233 |
| Efficiency ratio | 71.7143% | 2,076 |
| Assets per employee ($millions) | 3.8916% | 4,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7730% | 4,592 |
| Loan loss allowance to noncurrent loans | 38.5048% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 1.2030% | 1,113 |
| Noncurrent loans to loans | 2.0074% | 741 |
| Net loans and leases to total assets | 59.4642% | 3,755 |
| Net loans and leases to deposits | 66.8417% | 3,995 |
| Net loans and leases to core deposits | 71.5209% | 3,980 |
| Total domestic deposits to total assets | 88.9626% | 872 |
| Equity capital to assets | 10.9015% | 2,948 |
| Core capital (leverage) ratio | 11.3417% | 2,251 |
| Tier 1 risk-based capital ratio | 16.3803% | 2,307 |
| Total risk-based capital ratio | 17.0517% | 2,459 |
| Memoranda: | ||
| Average total assets | $146,717,000 | 3,427 |
| Average earning assets | $140,683,000 | 3,359 |
| Average equity | $15,591,500 | 3,634 |
| Average total loans | $88,401,000 | 3,527 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8746% | 4,327 |
| Cost of funding earning assets | 0.3784% | 4,112 |
| Net interest margin | 3.4962% | 3,718 |
| Noninterest income to average assets | 0.4737% | 2,976 |
| Noninterest expense to average assets | 2.7520% | 2,851 |
| Loan and lease loss provision to assets | 0.0382% | 3,439 |
| Net operating income to assets | 1.0231% | 2,915 |
| Return on assets (ROA) | 1.0231% | 2,904 |
| Pretax return on assets | 1.0336% | 3,498 |
| Return on Equity (ROE) | 9.8810% | 2,560 |
| Retained earnings to average equity (ytd only) | 2.6363% | 4,085 |
| Net charge-offs to loans | 0.1153% | 1,600 |
| Credit loss provision to net charge-offs | 53.3981% | 3,155 |
| Earnings coverage of net charge-offs (x) | 14.9806% | 2,351 |
| Efficiency ratio | 71.4986% | 1,969 |
| Assets per employee ($millions) | 3.8304% | 4,134 |
| Cash dividends to net income (ytd only)* | 73.3198% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7314% | 4,728 |
| Loan loss allowance to noncurrent loans | 82.3755% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 0.5379% | 2,443 |
| Noncurrent loans to loans | 0.8879% | 1,817 |
| Net loans and leases to total assets | 60.1402% | 3,754 |
| Net loans and leases to deposits | 67.1806% | 4,032 |
| Net loans and leases to core deposits | 71.7699% | 4,002 |
| Total domestic deposits to total assets | 89.5201% | 651 |
| Equity capital to assets | 10.3480% | 3,329 |
| Core capital (leverage) ratio | 11.4153% | 2,165 |
| Tier 1 risk-based capital ratio | 16.2167% | 2,335 |
| Total risk-based capital ratio | 16.8553% | 2,496 |
| Memoranda: | ||
| Average total assets | $143,969,600 | 3,455 |
| Average earning assets | $137,949,800 | 3,386 |
| Average equity | $14,907,400 | 3,652 |
| Average total loans | $89,320,400 | 3,490 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8491% | 4,322 |
| Cost of funding earning assets | 0.3613% | 4,106 |
| Net interest margin | 3.4878% | 3,738 |
| Noninterest income to average assets | 0.4829% | 2,962 |
| Noninterest expense to average assets | 2.7655% | 2,757 |
| Loan and lease loss provision to assets | 0.0046% | 3,877 |
| Net operating income to assets | 1.0429% | 2,900 |
| Return on assets (ROA) | 1.0429% | 2,915 |
| Pretax return on assets | 1.0568% | 3,550 |
| Return on Equity (ROE) | 10.0701% | 2,586 |
| Retained earnings to average equity (ytd only) | 6.4833% | 2,395 |
| Net charge-offs to loans | 0.1250% | 1,265 |
| Credit loss provision to net charge-offs | 5.9524% | 3,068 |
| Earnings coverage of net charge-offs (x) | 13.6068% | 2,341 |
| Efficiency ratio | 71.7787% | 1,923 |
| Assets per employee ($millions) | 3.5584% | 4,483 |
| Cash dividends to net income (ytd only)* | 35.6188% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7219% | 4,834 |
| Loan loss allowance to noncurrent loans | 78.6172% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 0.5494% | 2,544 |
| Noncurrent loans to loans | 0.9183% | 1,863 |
| Net loans and leases to total assets | 59.3237% | 3,919 |
| Net loans and leases to deposits | 66.3010% | 4,174 |
| Net loans and leases to core deposits | 70.9220% | 4,132 |
| Total domestic deposits to total assets | 89.4763% | 683 |
| Equity capital to assets | 10.4253% | 3,211 |
| Core capital (leverage) ratio | 11.8235% | 1,900 |
| Tier 1 risk-based capital ratio | 17.4000% | 1,964 |
| Total risk-based capital ratio | 18.0395% | 2,120 |
| Memoranda: | ||
| Average total assets | $143,573,250 | 3,498 |
| Average earning assets | $137,655,500 | 3,429 |
| Average equity | $14,868,750 | 3,682 |
| Average total loans | $89,605,000 | 3,517 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8371% | 4,249 |
| Cost of funding earning assets | 0.3495% | 4,076 |
| Net interest margin | 3.4876% | 3,673 |
| Noninterest income to average assets | 0.5223% | 2,737 |
| Noninterest expense to average assets | 2.8350% | 2,560 |
| Loan and lease loss provision to assets | 0.0069% | 3,697 |
| Net operating income to assets | 1.0001% | 3,022 |
| Return on assets (ROA) | 1.0001% | 3,020 |
| Pretax return on assets | 1.0209% | 3,598 |
| Return on Equity (ROE) | 9.6783% | 2,724 |
| Retained earnings to average equity (ytd only) | 5.6457% | 2,748 |
| Net charge-offs to loans | -0.0022% | 3,956 |
| Credit loss provision to net charge-offs | -500.0000% | 4,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9234% | 1,858 |
| Assets per employee ($millions) | 3.5591% | 4,520 |
| Cash dividends to net income (ytd only)* | 41.6667% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8028% | 4,682 |
| Loan loss allowance to noncurrent loans | 112.7419% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.4418% | 2,963 |
| Noncurrent loans to loans | 0.7121% | 2,328 |
| Net loans and leases to total assets | 60.6707% | 3,746 |
| Net loans and leases to deposits | 67.7789% | 4,032 |
| Net loans and leases to core deposits | 72.5791% | 3,975 |
| Total domestic deposits to total assets | 89.5127% | 735 |
| Equity capital to assets | 10.4024% | 3,209 |
| Core capital (leverage) ratio | 11.3891% | 2,167 |
| Tier 1 risk-based capital ratio | 17.0845% | 2,073 |
| Total risk-based capital ratio | 17.8129% | 2,184 |
| Memoranda: | ||
| Average total assets | $143,985,670 | 3,512 |
| Average earning assets | $137,916,330 | 3,442 |
| Average equity | $14,878,670 | 3,694 |
| Average total loans | $91,122,330 | 3,492 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7700% | 4,300 |
| Cost of funding earning assets | 0.3409% | 4,056 |
| Net interest margin | 3.4291% | 3,781 |
| Noninterest income to average assets | 0.5774% | 2,378 |
| Noninterest expense to average assets | 2.7570% | 2,853 |
| Loan and lease loss provision to assets | 0.0138% | 3,350 |
| Net operating income to assets | 1.0442% | 2,670 |
| Return on assets (ROA) | 1.0442% | 2,687 |
| Pretax return on assets | 1.0857% | 3,224 |
| Return on Equity (ROE) | 10.1385% | 2,364 |
| Retained earnings to average equity (ytd only) | 6.1153% | 2,658 |
| Net charge-offs to loans | -0.0129% | 4,357 |
| Credit loss provision to net charge-offs | -166.6667% | 3,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9885% | 2,342 |
| Assets per employee ($millions) | 3.6506% | 4,470 |
| Cash dividends to net income (ytd only)* | 39.6825% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7405% | 4,940 |
| Loan loss allowance to noncurrent loans | 121.9130% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.4513% | 3,041 |
| Noncurrent loans to loans | 0.6074% | 2,726 |
| Net loans and leases to total assets | 64.3513% | 3,266 |
| Net loans and leases to deposits | 72.1846% | 3,588 |
| Net loans and leases to core deposits | 76.9881% | 3,578 |
| Total domestic deposits to total assets | 89.1482% | 1,025 |
| Equity capital to assets | 10.0471% | 3,548 |
| Core capital (leverage) ratio | 11.2471% | 2,212 |
| Tier 1 risk-based capital ratio | 15.7430% | 2,574 |
| Total risk-based capital ratio | 16.4243% | 2,731 |
| Memoranda: | ||
| Average total assets | $144,797,500 | 3,537 |
| Average earning assets | $138,463,000 | 3,473 |
| Average equity | $14,913,500 | 3,718 |
| Average total loans | $93,148,000 | 3,481 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6720% | 4,403 |
| Cost of funding earning assets | 0.3302% | 3,872 |
| Net interest margin | 3.3418% | 4,035 |
| Noninterest income to average assets | 0.5427% | 2,760 |
| Noninterest expense to average assets | 2.7140% | 3,082 |
| Loan and lease loss provision to assets | 0.1094% | 2,059 |
| Net operating income to assets | 0.9041% | 2,689 |
| Return on assets (ROA) | 0.8993% | 2,743 |
| Pretax return on assets | 0.9084% | 3,894 |
| Return on Equity (ROE) | 8.4865% | 2,554 |
| Retained earnings to average equity (ytd only) | 1.5514% | 4,379 |
| Net charge-offs to loans | 0.1451% | 1,629 |
| Credit loss provision to net charge-offs | 117.1642% | 2,234 |
| Earnings coverage of net charge-offs (x) | 10.9552% | 2,621 |
| Efficiency ratio | 72.1477% | 2,199 |
| Assets per employee ($millions) | 3.6814% | 4,462 |
| Cash dividends to net income (ytd only)* | 81.7196% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7563% | 4,940 |
| Loan loss allowance to noncurrent loans | 118.8679% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 0.4646% | 3,015 |
| Noncurrent loans to loans | 0.6363% | 2,627 |
| Net loans and leases to total assets | 63.3371% | 3,448 |
| Net loans and leases to deposits | 71.4757% | 3,743 |
| Net loans and leases to core deposits | 76.2455% | 3,723 |
| Total domestic deposits to total assets | 88.6135% | 1,188 |
| Equity capital to assets | 10.5563% | 3,101 |
| Core capital (leverage) ratio | 11.0740% | 2,262 |
| Tier 1 risk-based capital ratio | 15.7524% | 2,533 |
| Total risk-based capital ratio | 16.4362% | 2,688 |
| Memoranda: | ||
| Average total assets | $143,554,400 | 3,561 |
| Average earning assets | $137,201,000 | 3,487 |
| Average equity | $15,212,400 | 3,696 |
| Average total loans | $92,377,000 | 3,483 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6559% | 4,433 |
| Cost of funding earning assets | 0.3234% | 3,910 |
| Net interest margin | 3.3325% | 4,070 |
| Noninterest income to average assets | 0.5508% | 2,725 |
| Noninterest expense to average assets | 2.7418% | 2,924 |
| Loan and lease loss provision to assets | 0.1458% | 1,438 |
| Net operating income to assets | 0.8377% | 3,337 |
| Return on assets (ROA) | 0.8313% | 3,418 |
| Pretax return on assets | 0.8434% | 4,229 |
| Return on Equity (ROE) | 7.8370% | 3,213 |
| Retained earnings to average equity (ytd only) | 4.2031% | 3,396 |
| Net charge-offs to loans | 0.1930% | 1,100 |
| Credit loss provision to net charge-offs | 117.1642% | 2,043 |
| Earnings coverage of net charge-offs (x) | 8.0001% | 2,823 |
| Efficiency ratio | 72.8877% | 2,057 |
| Assets per employee ($millions) | 3.7128% | 4,431 |
| Cash dividends to net income (ytd only)* | 46.3689% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7480% | 5,026 |
| Loan loss allowance to noncurrent loans | 114.5455% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 0.4883% | 3,102 |
| Noncurrent loans to loans | 0.6530% | 2,753 |
| Net loans and leases to total assets | 63.5080% | 3,488 |
| Net loans and leases to deposits | 72.5383% | 3,714 |
| Net loans and leases to core deposits | 76.5763% | 3,758 |
| Total domestic deposits to total assets | 87.5510% | 1,613 |
| Equity capital to assets | 10.9469% | 2,914 |
| Core capital (leverage) ratio | 11.0962% | 2,372 |
| Tier 1 risk-based capital ratio | 15.9894% | 2,514 |
| Total risk-based capital ratio | 16.6734% | 2,682 |
| Memoranda: | ||
| Average total assets | $143,549,750 | 3,588 |
| Average earning assets | $137,271,500 | 3,517 |
| Average equity | $15,226,500 | 3,727 |
| Average total loans | $92,564,250 | 3,510 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6336% | 4,421 |
| Cost of funding earning assets | 0.3173% | 3,908 |
| Net interest margin | 3.3163% | 4,059 |
| Noninterest income to average assets | 0.5408% | 2,763 |
| Noninterest expense to average assets | 2.8281% | 2,653 |
| Loan and lease loss provision to assets | 0.2194% | 807 |
| Net operating income to assets | 0.6439% | 4,111 |
| Return on assets (ROA) | 0.6344% | 4,191 |
| Pretax return on assets | 0.6525% | 4,678 |
| Return on Equity (ROE) | 6.0459% | 4,027 |
| Retained earnings to average equity (ytd only) | 4.0484% | 3,300 |
| Net charge-offs to loans | 0.2723% | 743 |
| Credit loss provision to net charge-offs | 124.6032% | 1,741 |
| Earnings coverage of net charge-offs (x) | 5.0079% | 2,866 |
| Efficiency ratio | 75.7439% | 1,761 |
| Assets per employee ($millions) | 3.7714% | 4,320 |
| Cash dividends to net income (ytd only)* | 33.0396% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7465% | 5,092 |
| Loan loss allowance to noncurrent loans | 321.5596% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.2107% | 4,323 |
| Noncurrent loans to loans | 0.2322% | 4,197 |
| Net loans and leases to total assets | 65.0323% | 3,245 |
| Net loans and leases to deposits | 74.2933% | 3,518 |
| Net loans and leases to core deposits | 78.3300% | 3,565 |
| Total domestic deposits to total assets | 87.5345% | 1,698 |
| Equity capital to assets | 10.9772% | 2,832 |
| Core capital (leverage) ratio | 11.2149% | 2,211 |
| Tier 1 risk-based capital ratio | 15.7490% | 2,602 |
| Total risk-based capital ratio | 16.4382% | 2,782 |
| Memoranda: | ||
| Average total assets | $143,133,330 | 3,615 |
| Average earning assets | $136,779,670 | 3,542 |
| Average equity | $15,018,330 | 3,760 |
| Average total loans | $92,535,000 | 3,524 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5988% | 4,422 |
| Cost of funding earning assets | 0.3106% | 3,934 |
| Net interest margin | 3.2882% | 4,050 |
| Noninterest income to average assets | 0.5397% | 2,711 |
| Noninterest expense to average assets | 2.9530% | 2,290 |
| Loan and lease loss provision to assets | 0.2181% | 732 |
| Net operating income to assets | 0.4698% | 4,707 |
| Return on assets (ROA) | 0.4698% | 4,731 |
| Pretax return on assets | 0.5061% | 4,960 |
| Return on Equity (ROE) | 4.5834% | 4,571 |
| Retained earnings to average equity (ytd only) | 4.5834% | 3,133 |
| Net charge-offs to loans | 0.2656% | 688 |
| Credit loss provision to net charge-offs | 127.8689% | 1,332 |
| Earnings coverage of net charge-offs (x) | 4.2459% | 2,403 |
| Efficiency ratio | 79.7719% | 1,407 |
| Assets per employee ($millions) | 3.5911% | 4,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7361% | 5,235 |
| Loan loss allowance to noncurrent loans | 183.2000% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.3613% | 3,756 |
| Noncurrent loans to loans | 0.4018% | 3,655 |
| Net loans and leases to total assets | 64.4995% | 3,199 |
| Net loans and leases to deposits | 73.1703% | 3,488 |
| Net loans and leases to core deposits | 77.0752% | 3,556 |
| Total domestic deposits to total assets | 88.1498% | 1,624 |
| Equity capital to assets | 10.3409% | 3,362 |
| Core capital (leverage) ratio | 11.0543% | 2,306 |
| Tier 1 risk-based capital ratio | 15.5774% | 2,723 |
| Total risk-based capital ratio | 16.2515% | 2,892 |
| Memoranda: | ||
| Average total assets | $143,042,500 | 3,647 |
| Average earning assets | $136,489,000 | 3,584 |
| Average equity | $14,661,500 | 3,821 |
| Average total loans | $91,851,500 | 3,558 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5949% | 4,517 |
| Cost of funding earning assets | 0.3031% | 4,035 |
| Net interest margin | 3.2918% | 4,166 |
| Noninterest income to average assets | 0.5577% | 2,873 |
| Noninterest expense to average assets | 2.7537% | 3,179 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8873% | 2,893 |
| Return on assets (ROA) | 0.9029% | 2,921 |
| Pretax return on assets | 0.9143% | 3,796 |
| Return on Equity (ROE) | 8.0915% | 2,890 |
| Retained earnings to average equity (ytd only) | 2.2844% | 4,221 |
| Net charge-offs to loans | 0.0964% | 2,333 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 14.4253% | 2,292 |
| Efficiency ratio | 74.8873% | 2,151 |
| Assets per employee ($millions) | 3.5611% | 4,665 |
| Cash dividends to net income (ytd only)* | 71.7684% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7414% | 5,264 |
| Loan loss allowance to noncurrent loans | 136.1789% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 0.4753% | 3,356 |
| Noncurrent loans to loans | 0.5444% | 3,215 |
| Net loans and leases to total assets | 62.9709% | 3,485 |
| Net loans and leases to deposits | 71.3041% | 3,778 |
| Net loans and leases to core deposits | 75.4758% | 3,793 |
| Total domestic deposits to total assets | 88.3131% | 1,482 |
| Equity capital to assets | 10.1578% | 3,538 |
| Core capital (leverage) ratio | 11.2255% | 2,142 |
| Tier 1 risk-based capital ratio | 15.9079% | 2,587 |
| Total risk-based capital ratio | 16.5868% | 2,753 |
| Memoranda: | ||
| Average total assets | $139,668,600 | 3,678 |
| Average earning assets | $131,296,200 | 3,629 |
| Average equity | $15,584,200 | 3,749 |
| Average total loans | $90,280,800 | 3,571 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6314% | 4,464 |
| Cost of funding earning assets | 0.3017% | 4,078 |
| Net interest margin | 3.3297% | 4,096 |
| Noninterest income to average assets | 0.5516% | 2,908 |
| Noninterest expense to average assets | 2.7611% | 3,141 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8995% | 2,910 |
| Return on assets (ROA) | 0.9277% | 2,890 |
| Pretax return on assets | 0.9431% | 3,836 |
| Return on Equity (ROE) | 8.1277% | 2,944 |
| Retained earnings to average equity (ytd only) | 6.1526% | 2,089 |
| Net charge-offs to loans | 0.1241% | 1,715 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 11.3449% | 2,490 |
| Efficiency ratio | 74.6019% | 2,172 |
| Assets per employee ($millions) | 3.4101% | 4,897 |
| Cash dividends to net income (ytd only)* | 24.3023% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7536% | 5,310 |
| Loan loss allowance to noncurrent loans | 156.5116% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.4170% | 3,757 |
| Noncurrent loans to loans | 0.4815% | 3,565 |
| Net loans and leases to total assets | 63.3912% | 3,476 |
| Net loans and leases to deposits | 71.8742% | 3,820 |
| Net loans and leases to core deposits | 75.5979% | 3,880 |
| Total domestic deposits to total assets | 88.1973% | 1,299 |
| Equity capital to assets | 11.6846% | 2,370 |
| Core capital (leverage) ratio | 11.4316% | 2,090 |
| Tier 1 risk-based capital ratio | 16.7845% | 2,308 |
| Total risk-based capital ratio | 17.4874% | 2,486 |
| Memoranda: | ||
| Average total assets | $138,975,250 | 3,710 |
| Average earning assets | $130,377,500 | 3,666 |
| Average equity | $15,863,000 | 3,740 |
| Average total loans | $90,259,250 | 3,588 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6569% | 4,425 |
| Cost of funding earning assets | 0.2973% | 4,164 |
| Net interest margin | 3.3596% | 4,024 |
| Noninterest income to average assets | 0.5451% | 2,927 |
| Noninterest expense to average assets | 2.8076% | 3,003 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8595% | 3,052 |
| Return on assets (ROA) | 0.8623% | 3,159 |
| Pretax return on assets | 0.8854% | 4,009 |
| Return on Equity (ROE) | 7.6154% | 3,194 |
| Retained earnings to average equity (ytd only) | 5.8962% | 2,186 |
| Net charge-offs to loans | 0.1811% | 1,259 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 7.4634% | 2,623 |
| Efficiency ratio | 75.5764% | 2,140 |
| Assets per employee ($millions) | 3.3821% | 4,949 |
| Cash dividends to net income (ytd only)* | 22.5753% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7530% | 5,395 |
| Loan loss allowance to noncurrent loans | 193.9655% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.3613% | 4,037 |
| Noncurrent loans to loans | 0.3882% | 3,968 |
| Net loans and leases to total assets | 64.1563% | 3,342 |
| Net loans and leases to deposits | 72.7166% | 3,727 |
| Net loans and leases to core deposits | 76.2564% | 3,796 |
| Total domestic deposits to total assets | 88.2278% | 1,305 |
| Equity capital to assets | 11.6835% | 2,374 |
| Core capital (leverage) ratio | 11.3405% | 2,107 |
| Tier 1 risk-based capital ratio | 16.6681% | 2,369 |
| Total risk-based capital ratio | 17.3804% | 2,526 |
| Memoranda: | ||
| Average total assets | $138,695,000 | 3,740 |
| Average earning assets | $129,837,000 | 3,694 |
| Average equity | $15,705,000 | 3,777 |
| Average total loans | $90,577,670 | 3,595 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7241% | 4,234 |
| Cost of funding earning assets | 0.2938% | 4,232 |
| Net interest margin | 3.4303% | 3,762 |
| Noninterest income to average assets | 0.5681% | 2,693 |
| Noninterest expense to average assets | 2.9990% | 2,394 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7209% | 3,613 |
| Return on assets (ROA) | 0.7209% | 3,727 |
| Pretax return on assets | 0.7670% | 4,317 |
| Return on Equity (ROE) | 6.4675% | 3,746 |
| Retained earnings to average equity (ytd only) | 6.4675% | 2,156 |
| Net charge-offs to loans | 0.2504% | 826 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 4.6667% | 2,401 |
| Efficiency ratio | 79.0965% | 1,733 |
| Assets per employee ($millions) | 3.4916% | 4,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7852% | 5,412 |
| Loan loss allowance to noncurrent loans | 189.1892% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.3745% | 4,084 |
| Noncurrent loans to loans | 0.4150% | 3,951 |
| Net loans and leases to total assets | 63.3329% | 3,339 |
| Net loans and leases to deposits | 71.4365% | 3,702 |
| Net loans and leases to core deposits | 74.6361% | 3,826 |
| Total domestic deposits to total assets | 88.6562% | 1,273 |
| Equity capital to assets | 11.2328% | 2,700 |
| Core capital (leverage) ratio | 11.2327% | 2,203 |
| Tier 1 risk-based capital ratio | 16.4065% | 2,515 |
| Total risk-based capital ratio | 17.1438% | 2,667 |
| Memoranda: | ||
| Average total assets | $138,714,500 | 3,769 |
| Average earning assets | $129,320,000 | 3,725 |
| Average equity | $15,462,000 | 3,818 |
| Average total loans | $91,045,000 | 3,600 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5523% | 4,800 |
| Cost of funding earning assets | 0.3118% | 4,115 |
| Net interest margin | 3.2406% | 4,503 |
| Noninterest income to average assets | 0.6103% | 2,673 |
| Noninterest expense to average assets | 2.6641% | 3,715 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0130% | 2,291 |
| Return on assets (ROA) | 1.0025% | 2,446 |
| Pretax return on assets | 1.0117% | 3,417 |
| Return on Equity (ROE) | 9.4632% | 2,236 |
| Retained earnings to average equity (ytd only) | 3.4485% | 3,603 |
| Net charge-offs to loans | -0.0680% | 5,654 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8456% | 2,931 |
| Assets per employee ($millions) | 3.3602% | 5,050 |
| Cash dividends to net income (ytd only)* | 63.5593% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8145% | 5,373 |
| Loan loss allowance to noncurrent loans | 86.2187% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 0.6518% | 3,087 |
| Noncurrent loans to loans | 0.9447% | 2,442 |
| Net loans and leases to total assets | 66.9108% | 2,861 |
| Net loans and leases to deposits | 75.3248% | 3,338 |
| Net loans and leases to core deposits | 78.5716% | 3,486 |
| Total domestic deposits to total assets | 88.8297% | 1,207 |
| Equity capital to assets | 11.0593% | 2,765 |
| Core capital (leverage) ratio | 11.1141% | 2,295 |
| Tier 1 risk-based capital ratio | 15.6902% | 2,838 |
| Total risk-based capital ratio | 16.4656% | 3,011 |
| Memoranda: | ||
| Average total assets | $141,249,600 | 3,702 |
| Average earning assets | $134,080,600 | 3,624 |
| Average equity | $14,963,200 | 3,840 |
| Average total loans | $89,713,200 | 3,595 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4895% | 5,002 |
| Cost of funding earning assets | 0.3139% | 4,176 |
| Net interest margin | 3.1756% | 4,760 |
| Noninterest income to average assets | 0.5976% | 2,756 |
| Noninterest expense to average assets | 2.7385% | 3,434 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8744% | 3,069 |
| Return on assets (ROA) | 0.8753% | 3,146 |
| Pretax return on assets | 0.8875% | 4,022 |
| Return on Equity (ROE) | 8.3516% | 2,905 |
| Retained earnings to average equity (ytd only) | 6.2480% | 2,092 |
| Net charge-offs to loans | -0.0885% | 5,739 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1812% | 2,373 |
| Assets per employee ($millions) | 3.4579% | 4,876 |
| Cash dividends to net income (ytd only)* | 25.1879% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8290% | 5,442 |
| Loan loss allowance to noncurrent loans | 95.4488% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 0.5622% | 3,617 |
| Noncurrent loans to loans | 0.8686% | 2,809 |
| Net loans and leases to total assets | 63.7035% | 3,350 |
| Net loans and leases to deposits | 72.2439% | 3,738 |
| Net loans and leases to core deposits | 75.1698% | 3,889 |
| Total domestic deposits to total assets | 88.1784% | 1,464 |
| Equity capital to assets | 10.7714% | 3,274 |
| Core capital (leverage) ratio | 11.0056% | 2,484 |
| Tier 1 risk-based capital ratio | 15.9360% | 2,827 |
| Total risk-based capital ratio | 16.7126% | 2,996 |
| Memoranda: | ||
| Average total assets | $142,120,250 | 3,717 |
| Average earning assets | $135,488,250 | 3,642 |
| Average equity | $14,895,000 | 3,891 |
| Average total loans | $88,907,000 | 3,646 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4969% | 4,987 |
| Cost of funding earning assets | 0.3191% | 4,170 |
| Net interest margin | 3.1778% | 4,724 |
| Noninterest income to average assets | 0.5807% | 2,849 |
| Noninterest expense to average assets | 2.7729% | 3,344 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8144% | 3,309 |
| Return on assets (ROA) | 0.8282% | 3,338 |
| Pretax return on assets | 0.8465% | 4,136 |
| Return on Equity (ROE) | 7.9758% | 3,072 |
| Retained earnings to average equity (ytd only) | 6.6217% | 1,890 |
| Net charge-offs to loans | -0.1451% | 5,921 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5601% | 2,274 |
| Assets per employee ($millions) | 3.4080% | 4,967 |
| Cash dividends to net income (ytd only)* | 16.9779% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8728% | 5,397 |
| Loan loss allowance to noncurrent loans | 203.7534% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.2712% | 4,785 |
| Noncurrent loans to loans | 0.4284% | 4,193 |
| Net loans and leases to total assets | 61.7706% | 3,585 |
| Net loans and leases to deposits | 69.1475% | 4,024 |
| Net loans and leases to core deposits | 71.9560% | 4,142 |
| Total domestic deposits to total assets | 89.3316% | 989 |
| Equity capital to assets | 10.5654% | 3,374 |
| Core capital (leverage) ratio | 10.7850% | 2,632 |
| Tier 1 risk-based capital ratio | 15.6274% | 3,042 |
| Total risk-based capital ratio | 16.4048% | 3,208 |
| Memoranda: | ||
| Average total assets | $142,235,670 | 3,750 |
| Average earning assets | $135,375,330 | 3,676 |
| Average equity | $14,769,670 | 3,928 |
| Average total loans | $88,186,000 | 3,684 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5346% | 4,874 |
| Cost of funding earning assets | 0.3232% | 4,184 |
| Net interest margin | 3.2114% | 4,568 |
| Noninterest income to average assets | 0.6021% | 2,638 |
| Noninterest expense to average assets | 2.8825% | 2,961 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7316% | 3,638 |
| Return on assets (ROA) | 0.7555% | 3,645 |
| Pretax return on assets | 0.7917% | 4,274 |
| Return on Equity (ROE) | 7.3377% | 3,308 |
| Retained earnings to average equity (ytd only) | 7.3377% | 1,838 |
| Net charge-offs to loans | 0.0180% | 2,804 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 68.7500% | 654 |
| Efficiency ratio | 78.8388% | 2,069 |
| Assets per employee ($millions) | 3.6909% | 4,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7805% | 5,739 |
| Loan loss allowance to noncurrent loans | 220.3822% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.2223% | 5,050 |
| Noncurrent loans to loans | 0.3542% | 4,530 |
| Net loans and leases to total assets | 61.1125% | 3,514 |
| Net loans and leases to deposits | 68.3111% | 3,927 |
| Net loans and leases to core deposits | 71.2617% | 4,035 |
| Total domestic deposits to total assets | 89.4620% | 1,011 |
| Equity capital to assets | 10.4338% | 3,610 |
| Core capital (leverage) ratio | 10.3821% | 3,116 |
| Tier 1 risk-based capital ratio | 15.5241% | 3,131 |
| Total risk-based capital ratio | 16.2377% | 3,369 |
| Memoranda: | ||
| Average total assets | $143,488,500 | 3,753 |
| Average earning assets | $136,139,500 | 3,685 |
| Average equity | $14,773,000 | 3,952 |
| Average total loans | $88,743,000 | 3,677 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5414% | 5,219 |
| Cost of funding earning assets | 0.3750% | 3,977 |
| Net interest margin | 3.1664% | 5,029 |
| Noninterest income to average assets | 0.5738% | 3,028 |
| Noninterest expense to average assets | 2.6019% | 4,210 |
| Loan and lease loss provision to assets | 0.1277% | 2,054 |
| Net operating income to assets | 0.8466% | 3,133 |
| Return on assets (ROA) | 0.8687% | 3,121 |
| Pretax return on assets | 0.8687% | 4,007 |
| Return on Equity (ROE) | 9.1880% | 2,489 |
| Retained earnings to average equity (ytd only) | 2.7973% | 4,251 |
| Net charge-offs to loans | 0.2523% | 1,697 |
| Credit loss provision to net charge-offs | 86.4486% | 2,725 |
| Earnings coverage of net charge-offs (x) | 6.5935% | 3,170 |
| Efficiency ratio | 72.7554% | 3,079 |
| Assets per employee ($millions) | 3.4055% | 5,049 |
| Cash dividends to net income (ytd only)* | 69.5548% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7836% | 5,818 |
| Loan loss allowance to noncurrent loans | 194.9580% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.2496% | 5,027 |
| Noncurrent loans to loans | 0.4019% | 4,435 |
| Net loans and leases to total assets | 61.6153% | 3,554 |
| Net loans and leases to deposits | 69.0331% | 4,026 |
| Net loans and leases to core deposits | 72.3513% | 4,087 |
| Total domestic deposits to total assets | 89.2548% | 1,092 |
| Equity capital to assets | 10.1565% | 3,912 |
| Core capital (leverage) ratio | 10.3697% | 3,089 |
| Tier 1 risk-based capital ratio | 13.5761% | 4,364 |
| Total risk-based capital ratio | 14.2154% | 4,659 |
| Memoranda: | ||
| Average total assets | $144,817,000 | 3,709 |
| Average earning assets | $137,318,400 | 3,638 |
| Average equity | $13,691,800 | 4,074 |
| Average total loans | $84,811,000 | 3,746 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5385% | 5,299 |
| Cost of funding earning assets | 0.3823% | 3,994 |
| Net interest margin | 3.1562% | 5,101 |
| Noninterest income to average assets | 0.5379% | 3,272 |
| Noninterest expense to average assets | 2.6131% | 4,156 |
| Loan and lease loss provision to assets | 0.1340% | 1,867 |
| Net operating income to assets | 0.7912% | 3,464 |
| Return on assets (ROA) | 0.8169% | 3,450 |
| Pretax return on assets | 0.8169% | 4,302 |
| Return on Equity (ROE) | 8.8010% | 2,786 |
| Retained earnings to average equity (ytd only) | 6.0816% | 2,359 |
| Net charge-offs to loans | 0.3166% | 1,257 |
| Credit loss provision to net charge-offs | 73.3668% | 2,706 |
| Earnings coverage of net charge-offs (x) | 5.0653% | 3,327 |
| Efficiency ratio | 73.8521% | 2,843 |
| Assets per employee ($millions) | 3.6137% | 4,652 |
| Cash dividends to net income (ytd only)* | 30.8990% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7957% | 5,884 |
| Loan loss allowance to noncurrent loans | 185.1240% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.3618% | 4,840 |
| Noncurrent loans to loans | 0.4298% | 4,615 |
| Net loans and leases to total assets | 57.9597% | 4,079 |
| Net loans and leases to deposits | 64.8439% | 4,451 |
| Net loans and leases to core deposits | 67.7769% | 4,528 |
| Total domestic deposits to total assets | 89.3834% | 1,036 |
| Equity capital to assets | 9.9518% | 4,225 |
| Core capital (leverage) ratio | 10.2777% | 3,313 |
| Tier 1 risk-based capital ratio | 14.2503% | 4,050 |
| Total risk-based capital ratio | 14.8882% | 4,391 |
| Memoranda: | ||
| Average total assets | $145,263,500 | 3,738 |
| Average earning assets | $138,095,500 | 3,659 |
| Average equity | $13,483,000 | 4,135 |
| Average total loans | $83,807,500 | 3,801 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5766% | 5,213 |
| Cost of funding earning assets | 0.3913% | 3,979 |
| Net interest margin | 3.1853% | 4,987 |
| Noninterest income to average assets | 0.5374% | 3,220 |
| Noninterest expense to average assets | 2.6804% | 3,941 |
| Loan and lease loss provision to assets | 0.1677% | 1,463 |
| Net operating income to assets | 0.7106% | 3,780 |
| Return on assets (ROA) | 0.7505% | 3,670 |
| Pretax return on assets | 0.7505% | 4,456 |
| Return on Equity (ROE) | 8.2838% | 2,938 |
| Retained earnings to average equity (ytd only) | 4.1116% | 3,556 |
| Net charge-offs to loans | 0.4450% | 917 |
| Credit loss provision to net charge-offs | 65.5914% | 2,545 |
| Earnings coverage of net charge-offs (x) | 3.4355% | 3,311 |
| Efficiency ratio | 75.3187% | 2,752 |
| Assets per employee ($millions) | 3.5365% | 4,778 |
| Cash dividends to net income (ytd only)* | 50.3663% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8178% | 5,933 |
| Loan loss allowance to noncurrent loans | 165.2500% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.3862% | 4,857 |
| Noncurrent loans to loans | 0.4949% | 4,509 |
| Net loans and leases to total assets | 55.2895% | 4,376 |
| Net loans and leases to deposits | 61.2663% | 4,754 |
| Net loans and leases to core deposits | 64.1510% | 4,809 |
| Total domestic deposits to total assets | 90.2445% | 691 |
| Equity capital to assets | 9.6431% | 4,569 |
| Core capital (leverage) ratio | 10.0487% | 3,538 |
| Tier 1 risk-based capital ratio | 14.1185% | 4,181 |
| Total risk-based capital ratio | 14.7548% | 4,521 |
| Memoranda: | ||
| Average total assets | $145,502,330 | 3,754 |
| Average earning assets | $138,008,670 | 3,676 |
| Average equity | $13,182,330 | 4,189 |
| Average total loans | $83,593,000 | 3,822 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6265% | 5,080 |
| Cost of funding earning assets | 0.4017% | 3,948 |
| Net interest margin | 3.2249% | 4,840 |
| Noninterest income to average assets | 0.5626% | 2,964 |
| Noninterest expense to average assets | 2.8678% | 3,319 |
| Loan and lease loss provision to assets | 0.1153% | 2,035 |
| Net operating income to assets | 0.6422% | 3,986 |
| Return on assets (ROA) | 0.7712% | 3,384 |
| Pretax return on assets | 0.7712% | 4,219 |
| Return on Equity (ROE) | 8.7933% | 2,553 |
| Retained earnings to average equity (ytd only) | 8.7933% | 1,314 |
| Net charge-offs to loans | 0.4001% | 911 |
| Credit loss provision to net charge-offs | 49.4118% | 2,215 |
| Earnings coverage of net charge-offs (x) | 3.2471% | 2,712 |
| Efficiency ratio | 79.1067% | 2,319 |
| Assets per employee ($millions) | 3.6259% | 4,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8017% | 6,101 |
| Loan loss allowance to noncurrent loans | 162.3810% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.2825% | 5,316 |
| Noncurrent loans to loans | 0.4937% | 4,679 |
| Net loans and leases to total assets | 56.7617% | 4,038 |
| Net loans and leases to deposits | 62.4095% | 4,506 |
| Net loans and leases to core deposits | 65.5099% | 4,549 |
| Total domestic deposits to total assets | 90.9505% | 588 |
| Equity capital to assets | 8.9513% | 5,166 |
| Core capital (leverage) ratio | 10.0151% | 3,555 |
| Tier 1 risk-based capital ratio | 13.8072% | 4,467 |
| Total risk-based capital ratio | 14.4487% | 4,829 |
| Memoranda: | ||
| Average total assets | $145,756,000 | 3,771 |
| Average earning assets | $138,425,000 | 3,693 |
| Average equity | $12,782,500 | 4,277 |
| Average total loans | $84,975,500 | 3,828 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6770% | 5,205 |
| Cost of funding earning assets | 0.4887% | 3,726 |
| Net interest margin | 3.1883% | 5,038 |
| Noninterest income to average assets | 0.6895% | 2,607 |
| Noninterest expense to average assets | 2.4735% | 4,850 |
| Loan and lease loss provision to assets | 0.0446% | 4,235 |
| Net operating income to assets | 1.1892% | 1,616 |
| Return on assets (ROA) | 1.2931% | 1,321 |
| Pretax return on assets | 1.2931% | 2,184 |
| Return on Equity (ROE) | 14.3330% | 881 |
| Retained earnings to average equity (ytd only) | 6.8484% | 1,504 |
| Net charge-offs to loans | 0.0268% | 4,883 |
| Credit loss provision to net charge-offs | 314.2857% | 729 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 515 |
| Efficiency ratio | 66.7213% | 4,423 |
| Assets per employee ($millions) | 3.4842% | 4,925 |
| Cash dividends to net income (ytd only)* | 52.2193% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8541% | 6,046 |
| Loan loss allowance to noncurrent loans | 145.2906% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.3493% | 5,216 |
| Noncurrent loans to loans | 0.5878% | 4,515 |
| Net loans and leases to total assets | 58.9155% | 3,886 |
| Net loans and leases to deposits | 64.5196% | 4,460 |
| Net loans and leases to core deposits | 67.8201% | 4,535 |
| Total domestic deposits to total assets | 91.3141% | 465 |
| Equity capital to assets | 8.5809% | 5,492 |
| Core capital (leverage) ratio | 9.8197% | 3,815 |
| Tier 1 risk-based capital ratio | 13.2517% | 4,820 |
| Total risk-based capital ratio | 13.9190% | 5,144 |
| Memoranda: | ||
| Average total assets | $148,088,200 | 3,737 |
| Average earning assets | $140,169,200 | 3,660 |
| Average equity | $13,360,800 | 4,192 |
| Average total loans | $78,483,800 | 3,990 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6408% | 5,329 |
| Cost of funding earning assets | 0.5014% | 3,754 |
| Net interest margin | 3.1394% | 5,201 |
| Noninterest income to average assets | 0.4694% | 4,003 |
| Noninterest expense to average assets | 2.4310% | 4,933 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0111% | 2,335 |
| Return on assets (ROA) | 1.1049% | 2,062 |
| Pretax return on assets | 1.1049% | 3,095 |
| Return on Equity (ROE) | 12.1045% | 1,445 |
| Retained earnings to average equity (ytd only) | 9.1713% | 1,012 |
| Net charge-offs to loans | 0.0087% | 4,982 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 226.4813% | 257 |
| Efficiency ratio | 70.6248% | 3,653 |
| Assets per employee ($millions) | 3.6793% | 4,489 |
| Cash dividends to net income (ytd only)* | 24.2326% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8613% | 6,152 |
| Loan loss allowance to noncurrent loans | 179.5213% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.2555% | 5,670 |
| Noncurrent loans to loans | 0.4798% | 5,000 |
| Net loans and leases to total assets | 52.7940% | 4,777 |
| Net loans and leases to deposits | 57.6878% | 5,218 |
| Net loans and leases to core deposits | 61.0565% | 5,211 |
| Total domestic deposits to total assets | 91.5167% | 366 |
| Equity capital to assets | 8.3705% | 5,859 |
| Core capital (leverage) ratio | 9.7454% | 4,041 |
| Tier 1 risk-based capital ratio | 13.8164% | 4,562 |
| Total risk-based capital ratio | 14.4631% | 4,917 |
| Memoranda: | ||
| Average total assets | $149,397,250 | 3,755 |
| Average earning assets | $141,466,250 | 3,682 |
| Average equity | $13,636,500 | 4,189 |
| Average total loans | $76,883,000 | 4,063 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6537% | 5,280 |
| Cost of funding earning assets | 0.5101% | 3,803 |
| Net interest margin | 3.1436% | 5,146 |
| Noninterest income to average assets | 0.4662% | 4,048 |
| Noninterest expense to average assets | 2.4990% | 4,736 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9391% | 2,621 |
| Return on assets (ROA) | 1.0430% | 2,262 |
| Pretax return on assets | 1.0430% | 3,320 |
| Return on Equity (ROE) | 11.1256% | 1,779 |
| Retained earnings to average equity (ytd only) | 9.7047% | 911 |
| Net charge-offs to loans | -0.0131% | 5,829 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6850% | 3,354 |
| Assets per employee ($millions) | 3.8505% | 4,112 |
| Cash dividends to net income (ytd only)* | 12.7714% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9086% | 6,109 |
| Loan loss allowance to noncurrent loans | 178.8512% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.2550% | 5,723 |
| Noncurrent loans to loans | 0.5080% | 4,998 |
| Net loans and leases to total assets | 49.7460% | 5,132 |
| Net loans and leases to deposits | 54.4943% | 5,475 |
| Net loans and leases to core deposits | 57.8513% | 5,436 |
| Total domestic deposits to total assets | 91.2866% | 450 |
| Equity capital to assets | 8.6002% | 5,669 |
| Core capital (leverage) ratio | 9.3007% | 4,536 |
| Tier 1 risk-based capital ratio | 13.7255% | 4,626 |
| Total risk-based capital ratio | 14.3892% | 4,980 |
| Memoranda: | ||
| Average total assets | $150,139,000 | 3,765 |
| Average earning assets | $141,937,670 | 3,695 |
| Average equity | $14,075,670 | 4,135 |
| Average total loans | $76,386,330 | 4,090 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7040% | 5,146 |
| Cost of funding earning assets | 0.5247% | 3,842 |
| Net interest margin | 3.1793% | 5,001 |
| Noninterest income to average assets | 0.4956% | 3,800 |
| Noninterest expense to average assets | 2.6165% | 4,351 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8660% | 2,833 |
| Return on assets (ROA) | 0.9033% | 2,789 |
| Pretax return on assets | 0.9033% | 3,752 |
| Return on Equity (ROE) | 9.2522% | 2,380 |
| Retained earnings to average equity (ytd only) | 9.2522% | 1,307 |
| Net charge-offs to loans | -0.0156% | 5,612 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1339% | 3,076 |
| Assets per employee ($millions) | 4.0191% | 3,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8936% | 6,273 |
| Loan loss allowance to noncurrent loans | 171.6080% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.2606% | 5,783 |
| Noncurrent loans to loans | 0.5207% | 5,135 |
| Net loans and leases to total assets | 49.5993% | 5,042 |
| Net loans and leases to deposits | 54.9327% | 5,353 |
| Net loans and leases to core deposits | 58.2881% | 5,321 |
| Total domestic deposits to total assets | 90.2910% | 885 |
| Equity capital to assets | 9.6023% | 4,707 |
| Core capital (leverage) ratio | 9.1254% | 4,679 |
| Tier 1 risk-based capital ratio | 13.5500% | 4,835 |
| Total risk-based capital ratio | 14.2196% | 5,196 |
| Memoranda: | ||
| Average total assets | $150,123,000 | 3,804 |
| Average earning assets | $141,037,500 | 3,748 |
| Average equity | $14,656,000 | 4,064 |
| Average total loans | $76,885,000 | 4,105 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0217% | 5,235 |
| Cost of funding earning assets | 0.6778% | 3,664 |
| Net interest margin | 3.3438% | 5,096 |
| Noninterest income to average assets | 0.5066% | 3,854 |
| Noninterest expense to average assets | 2.3906% | 5,429 |
| Loan and lease loss provision to assets | 0.0715% | 4,841 |
| Net operating income to assets | 1.1967% | 1,615 |
| Return on assets (ROA) | 1.4503% | 1,118 |
| Pretax return on assets | 1.4503% | 1,849 |
| Return on Equity (ROE) | 14.3459% | 924 |
| Retained earnings to average equity (ytd only) | 7.4155% | 1,370 |
| Net charge-offs to loans | 0.0561% | 5,151 |
| Credit loss provision to net charge-offs | 242.8571% | 1,017 |
| Earnings coverage of net charge-offs (x) | 43.0952% | 752 |
| Efficiency ratio | 65.3390% | 4,639 |
| Assets per employee ($millions) | 3.7826% | 4,406 |
| Cash dividends to net income (ytd only)* | 48.3092% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8793% | 6,312 |
| Loan loss allowance to noncurrent loans | 163.0695% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.2827% | 5,840 |
| Noncurrent loans to loans | 0.5392% | 5,178 |
| Net loans and leases to total assets | 51.9631% | 4,936 |
| Net loans and leases to deposits | 57.7497% | 5,273 |
| Net loans and leases to core deposits | 61.2972% | 5,237 |
| Total domestic deposits to total assets | 89.9798% | 962 |
| Equity capital to assets | 9.9287% | 4,272 |
| Core capital (leverage) ratio | 9.3621% | 4,315 |
| Tier 1 risk-based capital ratio | 13.2539% | 4,932 |
| Total risk-based capital ratio | 13.9224% | 5,290 |
| Memoranda: | ||
| Average total assets | $142,725,000 | 3,901 |
| Average earning assets | $134,546,400 | 3,814 |
| Average equity | $14,429,200 | 4,079 |
| Average total loans | $74,845,600 | 4,182 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0575% | 5,338 |
| Cost of funding earning assets | 0.7044% | 3,725 |
| Net interest margin | 3.3530% | 5,205 |
| Noninterest income to average assets | 0.5370% | 3,696 |
| Noninterest expense to average assets | 2.3637% | 5,506 |
| Loan and lease loss provision to assets | 0.0820% | 4,603 |
| Net operating income to assets | 1.2662% | 1,524 |
| Return on assets (ROA) | 1.5620% | 1,027 |
| Pretax return on assets | 1.5620% | 1,698 |
| Return on Equity (ROE) | 15.3784% | 835 |
| Retained earnings to average equity (ytd only) | 11.9002% | 544 |
| Net charge-offs to loans | 0.0719% | 4,690 |
| Credit loss provision to net charge-offs | 217.5000% | 1,278 |
| Earnings coverage of net charge-offs (x) | 35.7763% | 954 |
| Efficiency ratio | 63.6802% | 4,856 |
| Assets per employee ($millions) | 3.5765% | 4,797 |
| Cash dividends to net income (ytd only)* | 22.6177% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8998% | 6,382 |
| Loan loss allowance to noncurrent loans | 256.5385% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.2370% | 6,107 |
| Noncurrent loans to loans | 0.3507% | 5,774 |
| Net loans and leases to total assets | 51.3508% | 5,133 |
| Net loans and leases to deposits | 57.5473% | 5,475 |
| Net loans and leases to core deposits | 61.6318% | 5,392 |
| Total domestic deposits to total assets | 89.2324% | 1,294 |
| Equity capital to assets | 10.6543% | 3,660 |
| Core capital (leverage) ratio | 9.5811% | 4,146 |
| Tier 1 risk-based capital ratio | 12.9695% | 5,277 |
| Total risk-based capital ratio | 13.6012% | 5,706 |
| Memoranda: | ||
| Average total assets | $141,525,750 | 3,965 |
| Average earning assets | $134,004,750 | 3,876 |
| Average equity | $14,374,750 | 4,127 |
| Average total loans | $74,222,750 | 4,252 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0561% | 5,467 |
| Cost of funding earning assets | 0.7225% | 3,827 |
| Net interest margin | 3.3336% | 5,332 |
| Noninterest income to average assets | 0.5872% | 3,339 |
| Noninterest expense to average assets | 2.3529% | 5,610 |
| Loan and lease loss provision to assets | 0.0823% | 4,568 |
| Net operating income to assets | 1.3062% | 1,422 |
| Return on assets (ROA) | 1.5488% | 1,019 |
| Pretax return on assets | 1.5488% | 1,715 |
| Return on Equity (ROE) | 15.5051% | 851 |
| Retained earnings to average equity (ytd only) | 10.1806% | 927 |
| Net charge-offs to loans | 0.0431% | 4,770 |
| Credit loss provision to net charge-offs | 362.5000% | 811 |
| Earnings coverage of net charge-offs (x) | 61.1875% | 622 |
| Efficiency ratio | 62.8886% | 5,099 |
| Assets per employee ($millions) | 3.5720% | 4,815 |
| Cash dividends to net income (ytd only)* | 34.3407% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9269% | 6,391 |
| Loan loss allowance to noncurrent loans | 256.5891% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.2359% | 6,180 |
| Noncurrent loans to loans | 0.3612% | 5,821 |
| Net loans and leases to total assets | 49.5255% | 5,418 |
| Net loans and leases to deposits | 55.3451% | 5,726 |
| Net loans and leases to core deposits | 59.4739% | 5,651 |
| Total domestic deposits to total assets | 89.4849% | 1,229 |
| Equity capital to assets | 10.0917% | 4,196 |
| Core capital (leverage) ratio | 9.1806% | 4,642 |
| Tier 1 risk-based capital ratio | 12.5030% | 5,563 |
| Total risk-based capital ratio | 13.1334% | 5,974 |
| Memoranda: | ||
| Average total assets | $141,014,670 | 3,989 |
| Average earning assets | $133,427,670 | 3,898 |
| Average equity | $14,085,670 | 4,180 |
| Average total loans | $74,254,000 | 4,272 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1668% | 5,226 |
| Cost of funding earning assets | 0.7521% | 3,848 |
| Net interest margin | 3.4147% | 5,059 |
| Noninterest income to average assets | 0.6225% | 3,091 |
| Noninterest expense to average assets | 2.3244% | 5,707 |
| Loan and lease loss provision to assets | 0.1656% | 3,317 |
| Net operating income to assets | 1.3478% | 1,329 |
| Return on assets (ROA) | 1.6162% | 940 |
| Pretax return on assets | 1.6162% | 1,519 |
| Return on Equity (ROE) | 16.2655% | 767 |
| Retained earnings to average equity (ytd only) | 12.6733% | 731 |
| Net charge-offs to loans | 0.0740% | 3,758 |
| Credit loss provision to net charge-offs | 414.2857% | 764 |
| Earnings coverage of net charge-offs (x) | 37.8571% | 775 |
| Efficiency ratio | 60.5655% | 5,534 |
| Assets per employee ($millions) | 3.7837% | 4,466 |
| Cash dividends to net income (ytd only)* | 22.0848% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9079% | 6,514 |
| Loan loss allowance to noncurrent loans | 390.5882% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.1732% | 6,453 |
| Noncurrent loans to loans | 0.2325% | 6,228 |
| Net loans and leases to total assets | 50.4023% | 5,254 |
| Net loans and leases to deposits | 55.9502% | 5,606 |
| Net loans and leases to core deposits | 59.7151% | 5,560 |
| Total domestic deposits to total assets | 90.0842% | 1,038 |
| Equity capital to assets | 9.7913% | 4,391 |
| Core capital (leverage) ratio | 9.1029% | 4,679 |
| Tier 1 risk-based capital ratio | 11.9444% | 5,995 |
| Total risk-based capital ratio | 12.5615% | 6,364 |
| Memoranda: | ||
| Average total assets | $140,082,000 | 4,032 |
| Average earning assets | $131,899,000 | 3,945 |
| Average equity | $13,919,000 | 4,216 |
| Average total loans | $75,669,000 | 4,249 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5468% | 4,886 |
| Cost of funding earning assets | 0.9761% | 3,533 |
| Net interest margin | 3.5707% | 4,843 |
| Noninterest income to average assets | 0.5009% | 3,831 |
| Noninterest expense to average assets | 2.7139% | 4,693 |
| Loan and lease loss provision to assets | 0.1156% | 5,153 |
| Net operating income to assets | 1.0112% | 2,161 |
| Return on assets (ROA) | 1.1317% | 1,838 |
| Pretax return on assets | 1.1414% | 2,689 |
| Return on Equity (ROE) | 11.7543% | 1,477 |
| Retained earnings to average equity (ytd only) | 7.0744% | 1,465 |
| Net charge-offs to loans | 0.3365% | 3,711 |
| Credit loss provision to net charge-offs | 59.9222% | 5,173 |
| Earnings coverage of net charge-offs (x) | 5.8833% | 2,654 |
| Efficiency ratio | 70.5033% | 3,844 |
| Assets per employee ($millions) | 3.5890% | 4,796 |
| Cash dividends to net income (ytd only)* | 39.8142% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7928% | 6,759 |
| Loan loss allowance to noncurrent loans | 300.9709% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.2654% | 6,304 |
| Noncurrent loans to loans | 0.2634% | 6,199 |
| Net loans and leases to total assets | 56.8876% | 4,562 |
| Net loans and leases to deposits | 64.3336% | 4,961 |
| Net loans and leases to core deposits | 67.8072% | 5,051 |
| Total domestic deposits to total assets | 88.4260% | 1,893 |
| Equity capital to assets | 10.0892% | 4,047 |
| Core capital (leverage) ratio | 9.1111% | 4,597 |
| Tier 1 risk-based capital ratio | 11.2348% | 6,327 |
| Total risk-based capital ratio | 11.7960% | 6,645 |
| Memoranda: | ||
| Average total assets | $133,168,200 | 4,105 |
| Average earning assets | $124,879,000 | 4,038 |
| Average equity | $12,820,800 | 4,369 |
| Average total loans | $76,372,400 | 4,257 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5787% | 4,954 |
| Cost of funding earning assets | 1.0247% | 3,510 |
| Net interest margin | 3.5540% | 4,963 |
| Noninterest income to average assets | 0.5631% | 3,424 |
| Noninterest expense to average assets | 2.7439% | 4,559 |
| Loan and lease loss provision to assets | 0.1239% | 4,883 |
| Net operating income to assets | 1.0214% | 2,247 |
| Return on assets (ROA) | 1.1745% | 1,847 |
| Pretax return on assets | 1.1745% | 2,720 |
| Return on Equity (ROE) | 12.3521% | 1,452 |
| Retained earnings to average equity (ytd only) | 12.3521% | 460 |
| Net charge-offs to loans | 0.3969% | 3,125 |
| Credit loss provision to net charge-offs | 54.4248% | 4,940 |
| Earnings coverage of net charge-offs (x) | 5.0309% | 2,894 |
| Efficiency ratio | 70.5517% | 3,843 |
| Assets per employee ($millions) | 3.4391% | 5,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8266% | 6,766 |
| Loan loss allowance to noncurrent loans | 248.9960% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.3082% | 6,297 |
| Noncurrent loans to loans | 0.3320% | 6,187 |
| Net loans and leases to total assets | 54.0741% | 5,152 |
| Net loans and leases to deposits | 60.2369% | 5,603 |
| Net loans and leases to core deposits | 62.6931% | 5,751 |
| Total domestic deposits to total assets | 89.7691% | 1,002 |
| Equity capital to assets | 10.1183% | 4,188 |
| Core capital (leverage) ratio | 9.3850% | 4,330 |
| Tier 1 risk-based capital ratio | 12.0600% | 5,855 |
| Total risk-based capital ratio | 12.6501% | 6,296 |
| Memoranda: | ||
| Average total assets | $132,364,500 | 4,145 |
| Average earning assets | $123,876,000 | 4,086 |
| Average equity | $12,586,000 | 4,431 |
| Average total loans | $75,914,250 | 4,320 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6052% | 4,941 |
| Cost of funding earning assets | 1.0630% | 3,525 |
| Net interest margin | 3.5422% | 4,956 |
| Noninterest income to average assets | 0.5665% | 3,359 |
| Noninterest expense to average assets | 2.8201% | 4,346 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0778% | 1,944 |
| Return on assets (ROA) | 1.1865% | 1,708 |
| Pretax return on assets | 1.1865% | 2,536 |
| Return on Equity (ROE) | 12.7660% | 1,253 |
| Retained earnings to average equity (ytd only) | 12.7660% | 412 |
| Net charge-offs to loans | 0.2178% | 3,825 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 8.4819% | 2,048 |
| Efficiency ratio | 72.3488% | 3,663 |
| Assets per employee ($millions) | 3.2999% | 5,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8571% | 6,754 |
| Loan loss allowance to noncurrent loans | 88.2759% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.5493% | 5,823 |
| Noncurrent loans to loans | 0.9709% | 5,045 |
| Net loans and leases to total assets | 56.0889% | 4,979 |
| Net loans and leases to deposits | 62.2710% | 5,464 |
| Net loans and leases to core deposits | 64.9011% | 5,618 |
| Total domestic deposits to total assets | 90.0723% | 938 |
| Equity capital to assets | 9.8073% | 4,382 |
| Core capital (leverage) ratio | 9.2627% | 4,310 |
| Tier 1 risk-based capital ratio | 11.9078% | 5,857 |
| Total risk-based capital ratio | 12.5284% | 6,332 |
| Memoranda: | ||
| Average total assets | $130,631,670 | 4,211 |
| Average earning assets | $122,861,000 | 4,130 |
| Average equity | $12,141,670 | 4,520 |
| Average total loans | $76,217,000 | 4,340 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6112% | 4,896 |
| Cost of funding earning assets | 1.1225% | 3,352 |
| Net interest margin | 3.4887% | 5,062 |
| Noninterest income to average assets | 0.5848% | 3,271 |
| Noninterest expense to average assets | 2.9642% | 3,795 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9019% | 2,555 |
| Return on assets (ROA) | 1.0681% | 2,006 |
| Pretax return on assets | 1.0681% | 2,875 |
| Return on Equity (ROE) | 11.8228% | 1,507 |
| Retained earnings to average equity (ytd only) | 11.8228% | 761 |
| Net charge-offs to loans | 0.4156% | 2,443 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 3.6625% | 2,675 |
| Efficiency ratio | 76.6720% | 3,039 |
| Assets per employee ($millions) | 3.4109% | 5,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8431% | 6,833 |
| Loan loss allowance to noncurrent loans | 79.0898% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 0.6112% | 5,751 |
| Noncurrent loans to loans | 1.0660% | 4,921 |
| Net loans and leases to total assets | 56.8483% | 4,835 |
| Net loans and leases to deposits | 62.6475% | 5,428 |
| Net loans and leases to core deposits | 62.6475% | 5,861 |
| Total domestic deposits to total assets | 90.7432% | 746 |
| Equity capital to assets | 9.1095% | 5,027 |
| Core capital (leverage) ratio | 8.9142% | 4,750 |
| Tier 1 risk-based capital ratio | 11.2399% | 6,316 |
| Total risk-based capital ratio | 11.8497% | 6,729 |
| Memoranda: | ||
| Average total assets | $129,950,500 | 4,264 |
| Average earning assets | $122,223,500 | 4,177 |
| Average equity | $11,740,000 | 4,618 |
| Average total loans | $76,988,500 | 4,358 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0338% | 4,395 |
| Cost of funding earning assets | 1.3630% | 3,497 |
| Net interest margin | 3.6708% | 4,489 |
| Noninterest income to average assets | 0.6290% | 3,293 |
| Noninterest expense to average assets | 2.8898% | 4,273 |
| Loan and lease loss provision to assets | 0.0804% | 6,349 |
| Net operating income to assets | 1.0775% | 1,768 |
| Return on assets (ROA) | 1.2440% | 1,378 |
| Pretax return on assets | 1.2440% | 2,089 |
| Return on Equity (ROE) | 12.5677% | 1,203 |
| Retained earnings to average equity (ytd only) | 4.2831% | 2,845 |
| Net charge-offs to loans | 0.2712% | 4,666 |
| Credit loss provision to net charge-offs | 49.2462% | 6,271 |
| Earnings coverage of net charge-offs (x) | 7.0955% | 2,202 |
| Efficiency ratio | 71.3938% | 3,910 |
| Assets per employee ($millions) | 3.2532% | 5,533 |
| Cash dividends to net income (ytd only)* | 65.9196% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9304% | 6,638 |
| Loan loss allowance to noncurrent loans | 83.6806% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 0.6810% | 5,641 |
| Noncurrent loans to loans | 1.1118% | 4,882 |
| Net loans and leases to total assets | 60.6802% | 4,552 |
| Net loans and leases to deposits | 66.7557% | 5,296 |
| Net loans and leases to core deposits | 69.1940% | 5,527 |
| Total domestic deposits to total assets | 90.8989% | 649 |
| Equity capital to assets | 8.9553% | 5,208 |
| Core capital (leverage) ratio | 8.9989% | 4,558 |
| Tier 1 risk-based capital ratio | 10.9170% | 6,395 |
| Total risk-based capital ratio | 11.6031% | 6,770 |
| Memoranda: | ||
| Average total assets | $121,944,800 | 4,447 |
| Average earning assets | $113,573,200 | 4,388 |
| Average equity | $12,070,600 | 4,581 |
| Average total loans | $73,386,200 | 4,556 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0688% | 4,485 |
| Cost of funding earning assets | 1.3963% | 3,608 |
| Net interest margin | 3.6725% | 4,533 |
| Noninterest income to average assets | 0.6263% | 3,278 |
| Noninterest expense to average assets | 2.8950% | 4,111 |
| Loan and lease loss provision to assets | 0.1082% | 5,950 |
| Net operating income to assets | 1.0394% | 2,101 |
| Return on assets (ROA) | 1.2150% | 1,632 |
| Pretax return on assets | 1.2150% | 2,437 |
| Return on Equity (ROE) | 11.9747% | 1,511 |
| Retained earnings to average equity (ytd only) | 10.5050% | 685 |
| Net charge-offs to loans | 0.2416% | 4,493 |
| Credit loss provision to net charge-offs | 74.8092% | 5,291 |
| Earnings coverage of net charge-offs (x) | 7.9314% | 2,237 |
| Efficiency ratio | 71.6120% | 3,772 |
| Assets per employee ($millions) | 3.1044% | 5,911 |
| Cash dividends to net income (ytd only)* | 12.2730% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0723% | 6,058 |
| Loan loss allowance to noncurrent loans | 74.9053% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 0.8504% | 5,394 |
| Noncurrent loans to loans | 1.4315% | 4,469 |
| Net loans and leases to total assets | 58.7685% | 5,143 |
| Net loans and leases to deposits | 65.6664% | 5,704 |
| Net loans and leases to core deposits | 67.5982% | 5,983 |
| Total domestic deposits to total assets | 89.4956% | 1,129 |
| Equity capital to assets | 10.3385% | 3,721 |
| Core capital (leverage) ratio | 9.6653% | 3,668 |
| Tier 1 risk-based capital ratio | 11.8697% | 5,573 |
| Total risk-based capital ratio | 12.6552% | 6,002 |
| Memoranda: | ||
| Average total assets | $120,712,250 | 4,531 |
| Average earning assets | $112,292,750 | 4,479 |
| Average equity | $12,247,750 | 4,611 |
| Average total loans | $72,305,000 | 4,666 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1015% | 4,446 |
| Cost of funding earning assets | 1.3987% | 3,881 |
| Net interest margin | 3.7028% | 4,354 |
| Noninterest income to average assets | 0.5905% | 3,410 |
| Noninterest expense to average assets | 2.9442% | 3,915 |
| Loan and lease loss provision to assets | 0.0836% | 6,092 |
| Net operating income to assets | 1.0037% | 2,185 |
| Return on assets (ROA) | 1.1459% | 1,773 |
| Pretax return on assets | 1.1459% | 2,602 |
| Return on Equity (ROE) | 11.3684% | 1,632 |
| Retained earnings to average equity (ytd only) | 10.5385% | 740 |
| Net charge-offs to loans | 0.3008% | 3,813 |
| Credit loss provision to net charge-offs | 46.2963% | 5,500 |
| Earnings coverage of net charge-offs (x) | 6.0185% | 2,548 |
| Efficiency ratio | 73.0290% | 3,654 |
| Assets per employee ($millions) | 3.0231% | 6,095 |
| Cash dividends to net income (ytd only)* | 7.2993% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0557% | 6,159 |
| Loan loss allowance to noncurrent loans | 82.1008% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 0.7840% | 5,549 |
| Noncurrent loans to loans | 1.2858% | 4,813 |
| Net loans and leases to total assets | 59.3717% | 5,180 |
| Net loans and leases to deposits | 66.2404% | 5,776 |
| Net loans and leases to core deposits | 68.1326% | 6,044 |
| Total domestic deposits to total assets | 89.6306% | 1,109 |
| Equity capital to assets | 10.2429% | 3,716 |
| Core capital (leverage) ratio | 9.7264% | 3,504 |
| Tier 1 risk-based capital ratio | 11.7124% | 5,574 |
| Total risk-based capital ratio | 12.4843% | 5,993 |
| Memoranda: | ||
| Average total assets | $119,557,330 | 4,573 |
| Average earning assets | $111,103,670 | 4,531 |
| Average equity | $12,051,000 | 4,665 |
| Average total loans | $71,817,330 | 4,725 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1474% | 4,310 |
| Cost of funding earning assets | 1.4240% | 4,024 |
| Net interest margin | 3.7234% | 4,133 |
| Noninterest income to average assets | 0.5990% | 3,281 |
| Noninterest expense to average assets | 3.0520% | 3,471 |
| Loan and lease loss provision to assets | 0.0168% | 6,465 |
| Net operating income to assets | 0.9792% | 2,264 |
| Return on assets (ROA) | 1.0768% | 1,984 |
| Pretax return on assets | 1.0768% | 2,815 |
| Return on Equity (ROE) | 10.7712% | 1,848 |
| Retained earnings to average equity (ytd only) | 10.7712% | 971 |
| Net charge-offs to loans | 0.4143% | 2,804 |
| Credit loss provision to net charge-offs | 6.7568% | 5,083 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,724 |
| Efficiency ratio | 75.3948% | 3,330 |
| Assets per employee ($millions) | 2.9720% | 6,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0639% | 6,164 |
| Loan loss allowance to noncurrent loans | 75.6513% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 0.8395% | 5,476 |
| Noncurrent loans to loans | 1.4063% | 4,626 |
| Net loans and leases to total assets | 59.0596% | 5,279 |
| Net loans and leases to deposits | 65.8433% | 5,842 |
| Net loans and leases to core deposits | 67.0768% | 6,200 |
| Total domestic deposits to total assets | 89.6972% | 1,138 |
| Equity capital to assets | 10.1119% | 3,733 |
| Core capital (leverage) ratio | 9.5022% | 3,769 |
| Tier 1 risk-based capital ratio | 11.6575% | 5,522 |
| Total risk-based capital ratio | 12.4359% | 5,931 |
| Memoranda: | ||
| Average total assets | $118,874,500 | 4,662 |
| Average earning assets | $110,113,500 | 4,607 |
| Average equity | $11,883,500 | 4,746 |
| Average total loans | $71,446,000 | 4,805 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5990% | 3,616 |
| Cost of funding earning assets | 1.8214% | 3,876 |
| Net interest margin | 3.7776% | 3,809 |
| Noninterest income to average assets | 0.5039% | 4,377 |
| Noninterest expense to average assets | 2.9231% | 4,447 |
| Loan and lease loss provision to assets | 0.3376% | 4,777 |
| Net operating income to assets | 0.7707% | 2,632 |
| Return on assets (ROA) | 1.1032% | 1,540 |
| Pretax return on assets | 1.1032% | 2,244 |
| Return on Equity (ROE) | 10.9558% | 1,438 |
| Retained earnings to average equity (ytd only) | 2.5734% | 3,344 |
| Net charge-offs to loans | 0.2795% | 4,885 |
| Credit loss provision to net charge-offs | 202.0202% | 1,925 |
| Earnings coverage of net charge-offs (x) | 6.6313% | 2,323 |
| Efficiency ratio | 72.5084% | 4,182 |
| Assets per employee ($millions) | 3.0479% | 6,097 |
| Cash dividends to net income (ytd only)* | 76.5111% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 5,663 |
| Loan loss allowance to noncurrent loans | 76.4378% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 0.9069% | 5,281 |
| Noncurrent loans to loans | 1.4987% | 4,416 |
| Net loans and leases to total assets | 59.8163% | 5,367 |
| Net loans and leases to deposits | 66.5142% | 5,998 |
| Net loans and leases to core deposits | 80.1675% | 6,081 |
| Total domestic deposits to total assets | 89.9301% | 999 |
| Equity capital to assets | 9.8815% | 3,911 |
| Core capital (leverage) ratio | 9.1341% | 4,225 |
| Tier 1 risk-based capital ratio | 11.3883% | 5,525 |
| Total risk-based capital ratio | 12.2424% | 5,891 |
| Memoranda: | ||
| Average total assets | $118,468,600 | 4,623 |
| Average earning assets | $110,626,800 | 4,546 |
| Average equity | $11,929,800 | 4,763 |
| Average total loans | $70,831,800 | 4,842 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6171% | 3,760 |
| Cost of funding earning assets | 1.8812% | 3,981 |
| Net interest margin | 3.7359% | 3,929 |
| Noninterest income to average assets | 0.5497% | 4,077 |
| Noninterest expense to average assets | 2.9309% | 4,313 |
| Loan and lease loss provision to assets | 0.3390% | 4,301 |
| Net operating income to assets | 0.7828% | 2,887 |
| Return on assets (ROA) | 1.0397% | 1,999 |
| Pretax return on assets | 1.0397% | 2,774 |
| Return on Equity (ROE) | 10.2761% | 1,826 |
| Retained earnings to average equity (ytd only) | 7.8267% | 1,191 |
| Net charge-offs to loans | 0.3382% | 3,950 |
| Credit loss provision to net charge-offs | 168.1564% | 2,783 |
| Earnings coverage of net charge-offs (x) | 5.5643% | 2,786 |
| Efficiency ratio | 72.3180% | 4,188 |
| Assets per employee ($millions) | 3.0187% | 6,114 |
| Cash dividends to net income (ytd only)* | 23.8356% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0416% | 6,055 |
| Loan loss allowance to noncurrent loans | 72.8697% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 1.2157% | 4,640 |
| Noncurrent loans to loans | 1.4294% | 4,530 |
| Net loans and leases to total assets | 58.5371% | 5,804 |
| Net loans and leases to deposits | 65.4145% | 6,363 |
| Net loans and leases to core deposits | 79.0779% | 6,417 |
| Total domestic deposits to total assets | 89.4865% | 972 |
| Equity capital to assets | 10.3405% | 3,687 |
| Core capital (leverage) ratio | 9.4310% | 4,003 |
| Tier 1 risk-based capital ratio | 11.6813% | 5,258 |
| Total risk-based capital ratio | 12.4447% | 5,712 |
| Memoranda: | ||
| Average total assets | $118,368,500 | 4,639 |
| Average earning assets | $110,992,500 | 4,557 |
| Average equity | $11,975,750 | 4,797 |
| Average total loans | $70,558,000 | 4,897 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7060% | 3,504 |
| Cost of funding earning assets | 1.9419% | 4,051 |
| Net interest margin | 3.7641% | 3,701 |
| Noninterest income to average assets | 0.5596% | 3,965 |
| Noninterest expense to average assets | 2.9649% | 4,231 |
| Loan and lease loss provision to assets | 0.1939% | 5,114 |
| Net operating income to assets | 0.9288% | 2,347 |
| Return on assets (ROA) | 1.0666% | 1,960 |
| Pretax return on assets | 1.0666% | 2,747 |
| Return on Equity (ROE) | 10.6220% | 1,814 |
| Retained earnings to average equity (ytd only) | 8.9279% | 965 |
| Net charge-offs to loans | 0.1195% | 4,966 |
| Credit loss provision to net charge-offs | 271.4286% | 1,723 |
| Earnings coverage of net charge-offs (x) | 15.7143% | 1,578 |
| Efficiency ratio | 72.5343% | 4,299 |
| Assets per employee ($millions) | 2.9913% | 6,157 |
| Cash dividends to net income (ytd only)* | 15.9490% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9943% | 6,296 |
| Loan loss allowance to noncurrent loans | 53.3436% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 1.2336% | 4,477 |
| Noncurrent loans to loans | 1.8639% | 3,710 |
| Net loans and leases to total assets | 57.7545% | 5,999 |
| Net loans and leases to deposits | 64.2616% | 6,538 |
| Net loans and leases to core deposits | 77.8911% | 6,551 |
| Total domestic deposits to total assets | 89.8741% | 881 |
| Equity capital to assets | 9.9287% | 4,050 |
| Core capital (leverage) ratio | 9.3501% | 4,098 |
| Tier 1 risk-based capital ratio | 11.6958% | 5,200 |
| Total risk-based capital ratio | 12.4200% | 5,624 |
| Memoranda: | ||
| Average total assets | $117,575,000 | 4,697 |
| Average earning assets | $110,200,330 | 4,618 |
| Average equity | $11,805,670 | 4,868 |
| Average total loans | $70,268,330 | 4,950 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8086% | 3,252 |
| Cost of funding earning assets | 2.0180% | 4,043 |
| Net interest margin | 3.7906% | 3,488 |
| Noninterest income to average assets | 0.6419% | 3,257 |
| Noninterest expense to average assets | 2.9931% | 3,801 |
| Loan and lease loss provision to assets | 0.3913% | 2,979 |
| Net operating income to assets | 0.8101% | 3,088 |
| Return on assets (ROA) | 0.8959% | 2,870 |
| Pretax return on assets | 0.8959% | 3,732 |
| Return on Equity (ROE) | 8.8711% | 2,773 |
| Retained earnings to average equity (ytd only) | 8.8711% | 1,519 |
| Net charge-offs to loans | 0.2780% | 3,006 |
| Credit loss provision to net charge-offs | 232.6531% | 1,976 |
| Earnings coverage of net charge-offs (x) | 7.1429% | 2,387 |
| Efficiency ratio | 71.3584% | 4,300 |
| Assets per employee ($millions) | 2.9835% | 6,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9562% | 6,456 |
| Loan loss allowance to noncurrent loans | 52.4027% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 1.3080% | 4,049 |
| Noncurrent loans to loans | 1.8247% | 3,525 |
| Net loans and leases to total assets | 59.6288% | 5,717 |
| Net loans and leases to deposits | 66.4299% | 6,339 |
| Net loans and leases to core deposits | 80.2927% | 6,361 |
| Total domestic deposits to total assets | 89.7620% | 904 |
| Equity capital to assets | 10.0168% | 3,986 |
| Core capital (leverage) ratio | 9.2439% | 4,338 |
| Tier 1 risk-based capital ratio | 11.0501% | 5,863 |
| Total risk-based capital ratio | 11.7439% | 6,317 |
| Memoranda: | ||
| Average total assets | $116,536,000 | 4,740 |
| Average earning assets | $109,216,500 | 4,663 |
| Average equity | $11,768,500 | 4,909 |
| Average total loans | $70,503,000 | 4,966 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1144% | 4,965 |
| Cost of funding earning assets | 2.3733% | 4,840 |
| Net interest margin | 3.7412% | 4,268 |
| Noninterest income to average assets | 0.5899% | 3,917 |
| Noninterest expense to average assets | 2.9476% | 4,266 |
| Loan and lease loss provision to assets | 0.1000% | 6,101 |
| Net operating income to assets | 1.0125% | 2,499 |
| Return on assets (ROA) | 1.0980% | 2,071 |
| Pretax return on assets | 1.0980% | 3,030 |
| Return on Equity (ROE) | 10.9732% | 1,917 |
| Retained earnings to average equity (ytd only) | 1.8894% | 4,053 |
| Net charge-offs to loans | 0.1301% | 4,933 |
| Credit loss provision to net charge-offs | 127.9070% | 4,168 |
| Earnings coverage of net charge-offs (x) | 14.2326% | 2,058 |
| Efficiency ratio | 72.5991% | 3,827 |
| Assets per employee ($millions) | 2.8433% | 6,465 |
| Cash dividends to net income (ytd only)* | 82.7815% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8994% | 6,684 |
| Loan loss allowance to noncurrent loans | 44.3336% | 5,795 |
| Noncurrent assets plus other real estate owned to assets | 1.4534% | 3,310 |
| Noncurrent loans to loans | 2.0287% | 2,730 |
| Net loans and leases to total assets | 60.2610% | 5,877 |
| Net loans and leases to deposits | 67.3685% | 6,518 |
| Net loans and leases to core deposits | 80.7826% | 6,556 |
| Total domestic deposits to total assets | 89.4498% | 865 |
| Equity capital to assets | 10.1845% | 3,822 |
| Core capital (leverage) ratio | 9.6314% | 3,847 |
| Tier 1 risk-based capital ratio | 11.2358% | 5,503 |
| Total risk-based capital ratio | 11.8901% | 5,958 |
| Memoranda: | ||
| Average total assets | $110,021,400 | 4,784 |
| Average earning assets | $102,053,600 | 4,746 |
| Average equity | $11,008,600 | 5,120 |
| Average total loans | $66,097,600 | 5,016 |