Home > The First National Bank of Shiner > Performance and Condition Ratios
The First National Bank of Shiner, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0497% | 3,882 |
| Cost of funding earning assets | 2.3956% | 467 |
| Net interest margin | 1.6541% | 4,484 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 1.3339% | 4,423 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.3849% | 3,902 |
| Return on assets (ROA) | 0.3382% | 3,971 |
| Pretax return on assets | 0.3281% | 4,064 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,044 |
| Net charge-offs to loans | -0.2692% | 4,572 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 64.3887% | 2,562 |
| Assets per employee ($millions) | 16.1643% | 168 |
| Cash dividends to net income (ytd only)* | 33.5345% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7188% | 629 |
| Loan loss allowance to noncurrent loans | 5,561.0169% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 3,756 |
| Noncurrent loans to loans | 0.0309% | 3,514 |
| Net loans and leases to total assets | 20.7300% | 4,398 |
| Net loans and leases to deposits | 21.7437% | 4,416 |
| Net loans and leases to core deposits | 26.4080% | 4,427 |
| Total domestic deposits to total assets | 95.3200% | 53 |
| Equity capital to assets | -2.8114% | 4,611 |
| Core capital (leverage) ratio | 11.3291% | 1,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $881,768,400 | 1,102 |
| Average earning assets | $840,515,600 | 1,070 |
| Average equity | $-45,140,600 | 4,595 |
| Average total loans | $161,240,200 | 2,594 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0392% | 3,779 |
| Cost of funding earning assets | 2.2124% | 484 |
| Net interest margin | 1.8269% | 4,476 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 1.1578% | 4,493 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7620% | 3,129 |
| Return on assets (ROA) | 0.6994% | 3,306 |
| Pretax return on assets | 0.6959% | 3,563 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,110 |
| Net charge-offs to loans | -0.3831% | 4,608 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.2740% | 3,052 |
| Assets per employee ($millions) | 13.6547% | 258 |
| Cash dividends to net income (ytd only)* | 21.7628% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7855% | 583 |
| Loan loss allowance to noncurrent loans | 4,659.6774% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 3,776 |
| Noncurrent loans to loans | 0.0383% | 3,492 |
| Net loans and leases to total assets | 19.7300% | 4,434 |
| Net loans and leases to deposits | 19.0911% | 4,455 |
| Net loans and leases to core deposits | 22.5677% | 4,434 |
| Total domestic deposits to total assets | 103.3200% | 19 |
| Equity capital to assets | -10.9255% | 4,639 |
| Core capital (leverage) ratio | 11.1302% | 1,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.2448% | 243 |
| Memoranda: | ||
| Average total assets | $875,911,000 | 1,112 |
| Average earning assets | $834,196,250 | 1,080 |
| Average equity | $-50,063,500 | 4,623 |
| Average total loans | $153,827,000 | 2,651 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8462% | 3,956 |
| Cost of funding earning assets | 1.8923% | 619 |
| Net interest margin | 1.9539% | 4,506 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 1.1391% | 4,524 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8967% | 2,764 |
| Return on assets (ROA) | 0.8855% | 2,796 |
| Pretax return on assets | 0.8820% | 3,215 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,069 |
| Net charge-offs to loans | -0.5927% | 4,639 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.0011% | 3,532 |
| Assets per employee ($millions) | 15.1463% | 193 |
| Cash dividends to net income (ytd only)* | 25.1130% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8277% | 571 |
| Loan loss allowance to noncurrent loans | 4,386.3636% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 3,785 |
| Noncurrent loans to loans | 0.0417% | 3,429 |
| Net loans and leases to total assets | 17.4000% | 4,473 |
| Net loans and leases to deposits | 17.8581% | 4,485 |
| Net loans and leases to core deposits | 20.8963% | 4,468 |
| Total domestic deposits to total assets | 97.4400% | 39 |
| Equity capital to assets | -4.1978% | 4,666 |
| Core capital (leverage) ratio | 10.9855% | 1,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.7171% | 248 |
| Memoranda: | ||
| Average total assets | $899,339,333 | 1,085 |
| Average earning assets | $857,161,667 | 1,040 |
| Average equity | $-37,411,667 | 4,652 |
| Average total loans | $151,169,667 | 2,662 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6950% | 4,030 |
| Cost of funding earning assets | 1.6510% | 631 |
| Net interest margin | 2.0439% | 4,552 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 1.1332% | 4,592 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9843% | 2,583 |
| Return on assets (ROA) | 0.9581% | 2,624 |
| Pretax return on assets | 0.9581% | 3,104 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,013 |
| Net charge-offs to loans | -1.2334% | 4,680 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.5126% | 3,737 |
| Assets per employee ($millions) | 15.5323% | 182 |
| Cash dividends to net income (ytd only)* | 46.2749% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9766% | 457 |
| Loan loss allowance to noncurrent loans | 4,302.8571% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 3,800 |
| Noncurrent loans to loans | 0.0459% | 3,408 |
| Net loans and leases to total assets | 16.0300% | 4,547 |
| Net loans and leases to deposits | 16.5102% | 4,557 |
| Net loans and leases to core deposits | 19.4563% | 4,540 |
| Total domestic deposits to total assets | 97.0800% | 29 |
| Equity capital to assets | -3.3165% | 4,692 |
| Core capital (leverage) ratio | 10.9341% | 1,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.9317% | 265 |
| Memoranda: | ||
| Average total assets | $902,194,000 | 1,095 |
| Average earning assets | $859,332,500 | 1,057 |
| Average equity | $-37,361,000 | 4,676 |
| Average total loans | $147,558,000 | 2,726 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3286% | 3,517 |
| Cost of funding earning assets | 0.7815% | 417 |
| Net interest margin | 2.5471% | 4,239 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 1.0791% | 4,628 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5084% | 865 |
| Return on assets (ROA) | 1.5247% | 802 |
| Pretax return on assets | 1.5293% | 1,366 |
| Return on Equity (ROE) | 139.0900% | 4 |
| Retained earnings to average equity (ytd only) | 48.7523% | 10 |
| Net charge-offs to loans | 0.0390% | 1,320 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 245.5536% | 556 |
| Efficiency ratio | 41.1562% | 4,514 |
| Assets per employee ($millions) | 14.7873% | 212 |
| Cash dividends to net income (ytd only)* | 64.9491% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9176% | 511 |
| Loan loss allowance to noncurrent loans | 301.1001% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.1042% | 2,807 |
| Noncurrent loans to loans | 0.6369% | 1,164 |
| Net loans and leases to total assets | 16.0500% | 4,576 |
| Net loans and leases to deposits | 15.3665% | 4,591 |
| Net loans and leases to core deposits | 18.4022% | 4,571 |
| Total domestic deposits to total assets | 104.4200% | 2 |
| Equity capital to assets | -5.0219% | 4,725 |
| Core capital (leverage) ratio | 11.0613% | 1,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.0964% | 262 |
| Memoranda: | ||
| Average total assets | $908,863,600 | 1,070 |
| Average earning assets | $867,143,000 | 1,033 |
| Average equity | $9,962,600 | 3,873 |
| Average total loans | $143,750,600 | 2,693 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2459% | 3,319 |
| Cost of funding earning assets | 0.6192% | 393 |
| Net interest margin | 2.6268% | 4,060 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 1.0577% | 4,658 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.6230% | 623 |
| Return on assets (ROA) | 1.6453% | 584 |
| Pretax return on assets | 1.6320% | 1,048 |
| Return on Equity (ROE) | 64.5300% | 19 |
| Retained earnings to average equity (ytd only) | 13.2608% | 575 |
| Net charge-offs to loans | 0.0250% | 1,324 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 410.4444% | 375 |
| Efficiency ratio | 39.3052% | 4,589 |
| Assets per employee ($millions) | 14.0712% | 236 |
| Cash dividends to net income (ytd only)* | 79.4492% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8794% | 622 |
| Loan loss allowance to noncurrent loans | 267.5048% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 2,747 |
| Noncurrent loans to loans | 0.7026% | 1,164 |
| Net loans and leases to total assets | 17.1000% | 4,609 |
| Net loans and leases to deposits | 16.0775% | 4,630 |
| Net loans and leases to core deposits | 19.5253% | 4,603 |
| Total domestic deposits to total assets | 106.3900% | 1 |
| Equity capital to assets | -6.8826% | 4,764 |
| Core capital (leverage) ratio | 10.9117% | 1,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4198% | 283 |
| Memoranda: | ||
| Average total assets | $917,966,250 | 1,064 |
| Average earning assets | $877,309,500 | 1,029 |
| Average equity | $23,406,750 | 2,716 |
| Average total loans | $144,005,000 | 2,699 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1214% | 3,251 |
| Cost of funding earning assets | 0.5207% | 460 |
| Net interest margin | 2.6007% | 3,908 |
| Noninterest income to average assets | 0.1471% | 4,281 |
| Noninterest expense to average assets | 1.0128% | 4,691 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6137% | 531 |
| Return on assets (ROA) | 1.6314% | 500 |
| Pretax return on assets | 1.6437% | 861 |
| Return on Equity (ROE) | 30.4004% | 55 |
| Retained earnings to average equity (ytd only) | 20.5147% | 67 |
| Net charge-offs to loans | 0.0252% | 1,220 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 425.6667% | 297 |
| Efficiency ratio | 38.3836% | 4,645 |
| Assets per employee ($millions) | 14.7097% | 211 |
| Cash dividends to net income (ytd only)* | 32.5182% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9632% | 596 |
| Loan loss allowance to noncurrent loans | 293.0306% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.1091% | 2,946 |
| Noncurrent loans to loans | 0.6700% | 1,283 |
| Net loans and leases to total assets | 15.9669% | 4,679 |
| Net loans and leases to deposits | 15.7037% | 4,692 |
| Net loans and leases to core deposits | 18.4652% | 4,677 |
| Total domestic deposits to total assets | 101.6764% | 2 |
| Equity capital to assets | -2.1288% | 4,769 |
| Core capital (leverage) ratio | 11.2285% | 1,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2976% | 238 |
| Memoranda: | ||
| Average total assets | $942,531,667 | 1,041 |
| Average earning assets | $902,996,333 | 1,007 |
| Average equity | $50,578,333 | 1,665 |
| Average total loans | $142,949,000 | 2,722 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9554% | 3,386 |
| Cost of funding earning assets | 0.4881% | 524 |
| Net interest margin | 2.4673% | 3,961 |
| Noninterest income to average assets | 0.1400% | 4,315 |
| Noninterest expense to average assets | 0.9569% | 4,732 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5541% | 566 |
| Return on assets (ROA) | 1.5692% | 547 |
| Pretax return on assets | 1.5692% | 879 |
| Return on Equity (ROE) | 18.0671% | 330 |
| Retained earnings to average equity (ytd only) | 11.4870% | 685 |
| Net charge-offs to loans | 0.0445% | 841 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 237.9375% | 384 |
| Efficiency ratio | 38.1076% | 4,681 |
| Assets per employee ($millions) | 15.9587% | 169 |
| Cash dividends to net income (ytd only)* | 36.4204% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9255% | 707 |
| Loan loss allowance to noncurrent loans | 286.5841% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.1029% | 3,089 |
| Noncurrent loans to loans | 0.6719% | 1,412 |
| Net loans and leases to total assets | 15.0222% | 4,711 |
| Net loans and leases to deposits | 15.8850% | 4,719 |
| Net loans and leases to core deposits | 18.8591% | 4,702 |
| Total domestic deposits to total assets | 94.5681% | 71 |
| Equity capital to assets | 5.0544% | 4,718 |
| Core capital (leverage) ratio | 10.9716% | 1,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6851% | 246 |
| Memoranda: | ||
| Average total assets | $979,860,000 | 997 |
| Average earning assets | $941,585,500 | 969 |
| Average equity | $85,105,000 | 1,138 |
| Average total loans | $143,749,500 | 2,703 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8871% | 4,077 |
| Cost of funding earning assets | 0.5710% | 628 |
| Net interest margin | 2.3162% | 4,401 |
| Noninterest income to average assets | 0.1405% | 4,448 |
| Noninterest expense to average assets | 0.9371% | 4,767 |
| Loan and lease loss provision to assets | 0.0503% | 2,053 |
| Net operating income to assets | 1.3753% | 1,360 |
| Return on assets (ROA) | 1.5518% | 940 |
| Pretax return on assets | 1.5486% | 1,572 |
| Return on Equity (ROE) | 12.7810% | 1,532 |
| Retained earnings to average equity (ytd only) | 8.5567% | 1,326 |
| Net charge-offs to loans | 0.5025% | 165 |
| Credit loss provision to net charge-offs | 67.1233% | 2,029 |
| Earnings coverage of net charge-offs (x) | 18.9959% | 1,893 |
| Efficiency ratio | 39.7166% | 4,693 |
| Assets per employee ($millions) | 17.5545% | 141 |
| Cash dividends to net income (ytd only)* | 33.0513% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9493% | 661 |
| Loan loss allowance to noncurrent loans | 273.0205% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.1005% | 3,235 |
| Noncurrent loans to loans | 0.7140% | 1,426 |
| Net loans and leases to total assets | 13.7980% | 4,763 |
| Net loans and leases to deposits | 15.8106% | 4,766 |
| Net loans and leases to core deposits | 18.8693% | 4,750 |
| Total domestic deposits to total assets | 87.2707% | 2,403 |
| Equity capital to assets | 12.0433% | 1,233 |
| Core capital (leverage) ratio | 10.9817% | 1,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6009% | 268 |
| Memoranda: | ||
| Average total assets | $974,896,200 | 976 |
| Average earning assets | $934,001,000 | 959 |
| Average equity | $118,363,000 | 876 |
| Average total loans | $145,285,400 | 2,674 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9149% | 4,145 |
| Cost of funding earning assets | 0.5982% | 645 |
| Net interest margin | 2.3167% | 4,479 |
| Noninterest income to average assets | 0.1383% | 4,505 |
| Noninterest expense to average assets | 0.9418% | 4,848 |
| Loan and lease loss provision to assets | 0.0484% | 2,031 |
| Net operating income to assets | 1.3787% | 1,605 |
| Return on assets (ROA) | 1.5610% | 1,172 |
| Pretax return on assets | 1.5471% | 1,858 |
| Return on Equity (ROE) | 12.8296% | 1,751 |
| Retained earnings to average equity (ytd only) | 8.2829% | 1,958 |
| Net charge-offs to loans | 0.6576% | 121 |
| Credit loss provision to net charge-offs | 48.6787% | 1,868 |
| Earnings coverage of net charge-offs (x) | 14.2128% | 1,896 |
| Efficiency ratio | 39.9906% | 4,722 |
| Assets per employee ($millions) | 17.8473% | 132 |
| Cash dividends to net income (ytd only)* | 35.4390% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9291% | 734 |
| Loan loss allowance to noncurrent loans | 257.1429% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.1055% | 3,401 |
| Noncurrent loans to loans | 0.7502% | 1,497 |
| Net loans and leases to total assets | 13.7966% | 4,839 |
| Net loans and leases to deposits | 15.7467% | 4,841 |
| Net loans and leases to core deposits | 18.7359% | 4,826 |
| Total domestic deposits to total assets | 87.6158% | 2,052 |
| Equity capital to assets | 11.7762% | 1,501 |
| Core capital (leverage) ratio | 10.7428% | 1,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6259% | 285 |
| Memoranda: | ||
| Average total assets | $964,080,500 | 996 |
| Average earning assets | $922,503,750 | 979 |
| Average equity | $117,298,750 | 895 |
| Average total loans | $145,787,000 | 2,710 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9338% | 4,169 |
| Cost of funding earning assets | 0.6229% | 661 |
| Net interest margin | 2.3110% | 4,508 |
| Noninterest income to average assets | 0.1350% | 4,528 |
| Noninterest expense to average assets | 0.9440% | 4,881 |
| Loan and lease loss provision to assets | 0.0292% | 2,392 |
| Net operating income to assets | 1.3696% | 1,655 |
| Return on assets (ROA) | 1.5743% | 1,166 |
| Pretax return on assets | 1.5798% | 1,797 |
| Return on Equity (ROE) | 12.7992% | 1,783 |
| Retained earnings to average equity (ytd only) | 9.4056% | 1,587 |
| Net charge-offs to loans | 0.9639% | 84 |
| Credit loss provision to net charge-offs | 19.5804% | 1,736 |
| Earnings coverage of net charge-offs (x) | 9.4098% | 1,835 |
| Efficiency ratio | 40.2009% | 4,742 |
| Assets per employee ($millions) | 17.5795% | 138 |
| Cash dividends to net income (ytd only)* | 26.5146% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6982% | 1,061 |
| Loan loss allowance to noncurrent loans | 229.5051% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.1069% | 3,512 |
| Noncurrent loans to loans | 0.7399% | 1,611 |
| Net loans and leases to total assets | 14.1994% | 4,872 |
| Net loans and leases to deposits | 16.3405% | 4,875 |
| Net loans and leases to core deposits | 19.5326% | 4,859 |
| Total domestic deposits to total assets | 86.8973% | 2,383 |
| Equity capital to assets | 12.2611% | 1,240 |
| Core capital (leverage) ratio | 10.5296% | 1,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7892% | 311 |
| Memoranda: | ||
| Average total assets | $958,239,667 | 996 |
| Average earning assets | $917,702,333 | 980 |
| Average equity | $117,866,333 | 878 |
| Average total loans | $148,352,000 | 2,704 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9479% | 4,188 |
| Cost of funding earning assets | 0.6501% | 694 |
| Net interest margin | 2.2978% | 4,526 |
| Noninterest income to average assets | 0.1371% | 4,520 |
| Noninterest expense to average assets | 0.9586% | 4,915 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3828% | 1,612 |
| Return on assets (ROA) | 1.6631% | 1,052 |
| Pretax return on assets | 1.6631% | 1,575 |
| Return on Equity (ROE) | 13.4975% | 1,541 |
| Retained earnings to average equity (ytd only) | 6.5633% | 2,705 |
| Net charge-offs to loans | 0.2904% | 291 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 29.6972% | 1,098 |
| Efficiency ratio | 40.9414% | 4,718 |
| Assets per employee ($millions) | 16.7132% | 147 |
| Cash dividends to net income (ytd only)* | 51.3743% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9549% | 652 |
| Loan loss allowance to noncurrent loans | 135.2451% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.2359% | 2,963 |
| Noncurrent loans to loans | 1.4454% | 873 |
| Net loans and leases to total assets | 15.6686% | 4,890 |
| Net loans and leases to deposits | 17.8147% | 4,891 |
| Net loans and leases to core deposits | 21.3918% | 4,878 |
| Total domestic deposits to total assets | 87.9537% | 1,866 |
| Equity capital to assets | 11.4608% | 1,562 |
| Core capital (leverage) ratio | 10.8838% | 1,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $936,343,000 | 1,004 |
| Average earning assets | $898,267,000 | 979 |
| Average equity | $115,369,500 | 892 |
| Average total loans | $150,157,500 | 2,686 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0987% | 4,564 |
| Cost of funding earning assets | 0.9568% | 699 |
| Net interest margin | 2.1420% | 4,790 |
| Noninterest income to average assets | 0.1488% | 4,551 |
| Noninterest expense to average assets | 0.9794% | 4,935 |
| Loan and lease loss provision to assets | 0.1525% | 2,465 |
| Net operating income to assets | 1.0613% | 2,061 |
| Return on assets (ROA) | 1.8368% | 385 |
| Pretax return on assets | 1.8315% | 638 |
| Return on Equity (ROE) | 14.2682% | 752 |
| Retained earnings to average equity (ytd only) | 9.2261% | 722 |
| Net charge-offs to loans | 0.0626% | 1,883 |
| Credit loss provision to net charge-offs | 1,497.8022% | 564 |
| Earnings coverage of net charge-offs (x) | 118.6703% | 711 |
| Efficiency ratio | 44.7650% | 4,766 |
| Assets per employee ($millions) | 16.7276% | 134 |
| Cash dividends to net income (ytd only)* | 35.3378% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0120% | 572 |
| Loan loss allowance to noncurrent loans | 160.0528% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.2072% | 3,254 |
| Noncurrent loans to loans | 1.2571% | 1,089 |
| Net loans and leases to total assets | 15.7683% | 4,908 |
| Net loans and leases to deposits | 18.3885% | 4,914 |
| Net loans and leases to core deposits | 22.0099% | 4,899 |
| Total domestic deposits to total assets | 85.7508% | 2,472 |
| Equity capital to assets | 13.1810% | 1,030 |
| Core capital (leverage) ratio | 11.0036% | 1,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $893,564,800 | 974 |
| Average earning assets | $850,670,600 | 953 |
| Average equity | $115,032,200 | 858 |
| Average total loans | $145,365,600 | 2,702 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2027% | 4,588 |
| Cost of funding earning assets | 1.0482% | 642 |
| Net interest margin | 2.1545% | 4,830 |
| Noninterest income to average assets | 0.1477% | 4,563 |
| Noninterest expense to average assets | 0.9754% | 4,975 |
| Loan and lease loss provision to assets | 0.1530% | 2,481 |
| Net operating income to assets | 1.0607% | 2,106 |
| Return on assets (ROA) | 2.0695% | 281 |
| Pretax return on assets | 2.0749% | 445 |
| Return on Equity (ROE) | 16.1783% | 532 |
| Retained earnings to average equity (ytd only) | 13.7578% | 266 |
| Net charge-offs to loans | 0.0667% | 1,658 |
| Credit loss provision to net charge-offs | 1,406.9444% | 647 |
| Earnings coverage of net charge-offs (x) | 112.1111% | 733 |
| Efficiency ratio | 44.4460% | 4,773 |
| Assets per employee ($millions) | 15.8724% | 139 |
| Cash dividends to net income (ytd only)* | 14.9613% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7449% | 815 |
| Loan loss allowance to noncurrent loans | 1,589.4118% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 4,343 |
| Noncurrent loans to loans | 0.1098% | 3,927 |
| Net loans and leases to total assets | 17.1178% | 4,945 |
| Net loans and leases to deposits | 20.1022% | 4,949 |
| Net loans and leases to core deposits | 24.2467% | 4,929 |
| Total domestic deposits to total assets | 85.1537% | 2,378 |
| Equity capital to assets | 13.7690% | 917 |
| Core capital (leverage) ratio | 11.4050% | 1,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $882,769,250 | 970 |
| Average earning assets | $838,643,250 | 944 |
| Average equity | $112,922,000 | 866 |
| Average total loans | $144,021,500 | 2,715 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2891% | 4,659 |
| Cost of funding earning assets | 1.1639% | 579 |
| Net interest margin | 2.1252% | 4,913 |
| Noninterest income to average assets | 0.1496% | 4,557 |
| Noninterest expense to average assets | 0.9755% | 5,010 |
| Loan and lease loss provision to assets | 0.1960% | 2,082 |
| Net operating income to assets | 1.0303% | 2,219 |
| Return on assets (ROA) | 2.2081% | 241 |
| Pretax return on assets | 2.1786% | 372 |
| Return on Equity (ROE) | 17.7175% | 395 |
| Retained earnings to average equity (ytd only) | 15.4399% | 202 |
| Net charge-offs to loans | 0.0584% | 1,669 |
| Credit loss provision to net charge-offs | 2,104.8780% | 463 |
| Earnings coverage of net charge-offs (x) | 128.5366% | 591 |
| Efficiency ratio | 44.9091% | 4,779 |
| Assets per employee ($millions) | 15.4869% | 152 |
| Cash dividends to net income (ytd only)* | 12.8548% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7072% | 802 |
| Loan loss allowance to noncurrent loans | 1,710.5960% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 4,474 |
| Noncurrent loans to loans | 0.0998% | 4,055 |
| Net loans and leases to total assets | 16.5569% | 4,977 |
| Net loans and leases to deposits | 19.2694% | 4,984 |
| Net loans and leases to core deposits | 23.2099% | 4,969 |
| Total domestic deposits to total assets | 85.9232% | 2,043 |
| Equity capital to assets | 13.0399% | 1,147 |
| Core capital (leverage) ratio | 10.9050% | 2,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $880,741,333 | 955 |
| Average earning assets | $838,223,000 | 929 |
| Average equity | $109,767,333 | 880 |
| Average total loans | $140,410,667 | 2,742 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2612% | 4,835 |
| Cost of funding earning assets | 1.2640% | 627 |
| Net interest margin | 1.9972% | 5,015 |
| Noninterest income to average assets | 0.1454% | 4,637 |
| Noninterest expense to average assets | 0.9881% | 5,062 |
| Loan and lease loss provision to assets | 0.1835% | 1,630 |
| Net operating income to assets | 0.8830% | 2,575 |
| Return on assets (ROA) | 2.3803% | 148 |
| Pretax return on assets | 2.3803% | 206 |
| Return on Equity (ROE) | 19.5652% | 185 |
| Retained earnings to average equity (ytd only) | 19.5652% | 66 |
| Net charge-offs to loans | 0.0948% | 1,121 |
| Credit loss provision to net charge-offs | 1,250.0000% | 485 |
| Earnings coverage of net charge-offs (x) | 72.6563% | 709 |
| Efficiency ratio | 48.0911% | 4,754 |
| Assets per employee ($millions) | 14.9957% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5093% | 1,310 |
| Loan loss allowance to noncurrent loans | 583.2877% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.0413% | 4,404 |
| Noncurrent loans to loans | 0.2588% | 3,566 |
| Net loans and leases to total assets | 15.7028% | 5,030 |
| Net loans and leases to deposits | 18.1475% | 5,036 |
| Net loans and leases to core deposits | 21.6122% | 5,023 |
| Total domestic deposits to total assets | 86.5288% | 1,762 |
| Equity capital to assets | 12.4070% | 1,792 |
| Core capital (leverage) ratio | 10.8068% | 2,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $871,993,000 | 942 |
| Average earning assets | $833,551,000 | 906 |
| Average equity | $106,086,500 | 906 |
| Average total loans | $134,964,500 | 2,776 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4015% | 4,915 |
| Cost of funding earning assets | 1.3282% | 709 |
| Net interest margin | 2.0733% | 5,084 |
| Noninterest income to average assets | 0.1697% | 4,640 |
| Noninterest expense to average assets | 1.1377% | 5,103 |
| Loan and lease loss provision to assets | 0.0643% | 2,743 |
| Net operating income to assets | 0.9696% | 2,952 |
| Return on assets (ROA) | 1.1096% | 2,495 |
| Pretax return on assets | 1.0767% | 3,242 |
| Return on Equity (ROE) | 9.5559% | 2,498 |
| Retained earnings to average equity (ytd only) | 9.5559% | 580 |
| Net charge-offs to loans | 0.6680% | 256 |
| Credit loss provision to net charge-offs | 61.7433% | 3,020 |
| Earnings coverage of net charge-offs (x) | 9.6162% | 2,643 |
| Efficiency ratio | 53.1966% | 4,500 |
| Assets per employee ($millions) | 14.8145% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3665% | 1,645 |
| Loan loss allowance to noncurrent loans | 522.5519% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 4,441 |
| Noncurrent loans to loans | 0.2615% | 3,506 |
| Net loans and leases to total assets | 14.7932% | 5,099 |
| Net loans and leases to deposits | 16.9947% | 5,107 |
| Net loans and leases to core deposits | 20.1606% | 5,094 |
| Total domestic deposits to total assets | 87.0462% | 1,584 |
| Equity capital to assets | 11.9178% | 2,188 |
| Core capital (leverage) ratio | 10.5496% | 2,903 |
| Tier 1 risk-based capital ratio | 26.1128% | 668 |
| Total risk-based capital ratio | 26.6437% | 705 |
| Memoranda: | ||
| Average total assets | $793,547,600 | 979 |
| Average earning assets | $753,580,800 | 957 |
| Average equity | $92,141,600 | 960 |
| Average total loans | $123,644,200 | 2,899 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4444% | 4,992 |
| Cost of funding earning assets | 1.3208% | 742 |
| Net interest margin | 2.1236% | 5,166 |
| Noninterest income to average assets | 0.1721% | 4,683 |
| Noninterest expense to average assets | 1.1315% | 5,183 |
| Loan and lease loss provision to assets | 0.0618% | 2,667 |
| Net operating income to assets | 1.0382% | 2,829 |
| Return on assets (ROA) | 1.1818% | 2,344 |
| Pretax return on assets | 1.1361% | 3,181 |
| Return on Equity (ROE) | 10.2524% | 2,330 |
| Retained earnings to average equity (ytd only) | 10.2524% | 695 |
| Net charge-offs to loans | 0.8970% | 167 |
| Credit loss provision to net charge-offs | 43.7424% | 2,830 |
| Earnings coverage of net charge-offs (x) | 7.4666% | 2,739 |
| Efficiency ratio | 51.7661% | 4,614 |
| Assets per employee ($millions) | 13.2295% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2880% | 2,023 |
| Loan loss allowance to noncurrent loans | 538.0000% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.0372% | 4,538 |
| Noncurrent loans to loans | 0.2394% | 3,684 |
| Net loans and leases to total assets | 15.3274% | 5,181 |
| Net loans and leases to deposits | 17.7206% | 5,184 |
| Net loans and leases to core deposits | 20.7520% | 5,172 |
| Total domestic deposits to total assets | 86.4950% | 1,773 |
| Equity capital to assets | 12.4890% | 1,917 |
| Core capital (leverage) ratio | 10.7981% | 2,839 |
| Tier 1 risk-based capital ratio | 26.5053% | 677 |
| Total risk-based capital ratio | 27.0103% | 709 |
| Memoranda: | ||
| Average total assets | $777,124,750 | 996 |
| Average earning assets | $736,908,750 | 972 |
| Average equity | $89,576,500 | 980 |
| Average total loans | $122,337,750 | 2,949 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4753% | 5,027 |
| Cost of funding earning assets | 1.2847% | 777 |
| Net interest margin | 2.1906% | 5,209 |
| Noninterest income to average assets | 0.1627% | 4,778 |
| Noninterest expense to average assets | 1.1429% | 5,234 |
| Loan and lease loss provision to assets | 0.0678% | 2,457 |
| Net operating income to assets | 1.0900% | 2,564 |
| Return on assets (ROA) | 1.1369% | 2,461 |
| Pretax return on assets | 1.0712% | 3,319 |
| Return on Equity (ROE) | 10.1608% | 2,315 |
| Retained earnings to average equity (ytd only) | 10.1608% | 712 |
| Net charge-offs to loans | 1.2872% | 98 |
| Credit loss provision to net charge-offs | 33.2907% | 2,584 |
| Earnings coverage of net charge-offs (x) | 5.3636% | 2,666 |
| Efficiency ratio | 51.1373% | 4,716 |
| Assets per employee ($millions) | 13.5836% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 2,088 |
| Loan loss allowance to noncurrent loans | 540.2778% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.0429% | 4,553 |
| Noncurrent loans to loans | 0.2373% | 3,689 |
| Net loans and leases to total assets | 15.2052% | 5,232 |
| Net loans and leases to deposits | 17.4722% | 5,232 |
| Net loans and leases to core deposits | 20.1669% | 5,220 |
| Total domestic deposits to total assets | 87.0253% | 1,588 |
| Equity capital to assets | 12.1092% | 2,111 |
| Core capital (leverage) ratio | 10.6622% | 2,922 |
| Tier 1 risk-based capital ratio | 26.3954% | 665 |
| Total risk-based capital ratio | 26.8952% | 693 |
| Memoranda: | ||
| Average total assets | $767,166,670 | 1,008 |
| Average earning assets | $725,751,000 | 990 |
| Average equity | $85,840,000 | 1,017 |
| Average total loans | $121,348,330 | 2,973 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4850% | 5,055 |
| Cost of funding earning assets | 1.2326% | 819 |
| Net interest margin | 2.2524% | 5,263 |
| Noninterest income to average assets | 0.1638% | 4,756 |
| Noninterest expense to average assets | 1.1443% | 5,294 |
| Loan and lease loss provision to assets | 0.0159% | 3,231 |
| Net operating income to assets | 1.2478% | 1,899 |
| Return on assets (ROA) | 1.2526% | 1,924 |
| Pretax return on assets | 1.1411% | 3,006 |
| Return on Equity (ROE) | 11.6952% | 1,654 |
| Retained earnings to average equity (ytd only) | 11.6952% | 672 |
| Net charge-offs to loans | 0.0330% | 1,798 |
| Credit loss provision to net charge-offs | 300.0000% | 819 |
| Earnings coverage of net charge-offs (x) | 218.0000% | 357 |
| Efficiency ratio | 49.8274% | 4,843 |
| Assets per employee ($millions) | 12.6809% | 175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7161% | 830 |
| Loan loss allowance to noncurrent loans | 154.1912% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.1758% | 3,939 |
| Noncurrent loans to loans | 1.1129% | 1,506 |
| Net loans and leases to total assets | 15.5262% | 5,289 |
| Net loans and leases to deposits | 17.5874% | 5,291 |
| Net loans and leases to core deposits | 19.9845% | 5,282 |
| Total domestic deposits to total assets | 88.2802% | 1,201 |
| Equity capital to assets | 11.1254% | 2,727 |
| Core capital (leverage) ratio | 10.6315% | 2,912 |
| Tier 1 risk-based capital ratio | 26.0542% | 683 |
| Total risk-based capital ratio | 26.7357% | 705 |
| Memoranda: | ||
| Average total assets | $756,826,000 | 1,021 |
| Average earning assets | $716,556,500 | 1,001 |
| Average equity | $81,059,000 | 1,060 |
| Average total loans | $121,347,500 | 3,007 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4451% | 4,970 |
| Cost of funding earning assets | 0.9973% | 762 |
| Net interest margin | 2.4478% | 5,233 |
| Noninterest income to average assets | 0.1662% | 4,892 |
| Noninterest expense to average assets | 1.1788% | 5,325 |
| Loan and lease loss provision to assets | 0.0341% | 3,513 |
| Net operating income to assets | 1.2497% | 1,973 |
| Return on assets (ROA) | 1.2612% | 1,936 |
| Pretax return on assets | 1.2757% | 2,596 |
| Return on Equity (ROE) | 12.1767% | 1,649 |
| Retained earnings to average equity (ytd only) | 12.1767% | 307 |
| Net charge-offs to loans | 0.1376% | 1,382 |
| Credit loss provision to net charge-offs | 150.0000% | 1,832 |
| Earnings coverage of net charge-offs (x) | 57.1313% | 1,050 |
| Efficiency ratio | 47.5920% | 5,059 |
| Assets per employee ($millions) | 12.3353% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7237% | 795 |
| Loan loss allowance to noncurrent loans | 124.3713% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.2256% | 3,702 |
| Noncurrent loans to loans | 1.3859% | 1,127 |
| Net loans and leases to total assets | 16.0002% | 5,331 |
| Net loans and leases to deposits | 17.9203% | 5,335 |
| Net loans and leases to core deposits | 20.1410% | 5,325 |
| Total domestic deposits to total assets | 89.2853% | 741 |
| Equity capital to assets | 10.2766% | 3,401 |
| Core capital (leverage) ratio | 10.7739% | 2,758 |
| Tier 1 risk-based capital ratio | 26.8510% | 621 |
| Total risk-based capital ratio | 27.5680% | 643 |
| Memoranda: | ||
| Average total assets | $704,182,400 | 1,054 |
| Average earning assets | $664,766,000 | 1,033 |
| Average equity | $72,934,400 | 1,117 |
| Average total loans | $116,307,400 | 3,042 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4540% | 4,974 |
| Cost of funding earning assets | 0.9517% | 744 |
| Net interest margin | 2.5023% | 5,283 |
| Noninterest income to average assets | 0.1607% | 4,977 |
| Noninterest expense to average assets | 1.1843% | 5,396 |
| Loan and lease loss provision to assets | 0.0316% | 3,383 |
| Net operating income to assets | 1.2995% | 1,860 |
| Return on assets (ROA) | 1.3143% | 1,807 |
| Pretax return on assets | 1.3212% | 2,536 |
| Return on Equity (ROE) | 12.6635% | 1,556 |
| Retained earnings to average equity (ytd only) | 12.6635% | 396 |
| Net charge-offs to loans | 0.1770% | 941 |
| Credit loss provision to net charge-offs | 107.8431% | 2,140 |
| Earnings coverage of net charge-offs (x) | 45.5959% | 1,239 |
| Efficiency ratio | 46.9546% | 5,104 |
| Assets per employee ($millions) | 11.6867% | 212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6946% | 883 |
| Loan loss allowance to noncurrent loans | 329.3443% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.0885% | 4,528 |
| Noncurrent loans to loans | 0.5145% | 2,839 |
| Net loans and leases to total assets | 16.9021% | 5,400 |
| Net loans and leases to deposits | 18.8839% | 5,403 |
| Net loans and leases to core deposits | 21.6194% | 5,391 |
| Total domestic deposits to total assets | 89.5054% | 673 |
| Equity capital to assets | 10.0430% | 3,595 |
| Core capital (leverage) ratio | 10.8842% | 2,688 |
| Tier 1 risk-based capital ratio | 27.1207% | 620 |
| Total risk-based capital ratio | 27.8400% | 636 |
| Memoranda: | ||
| Average total assets | $695,199,000 | 1,068 |
| Average earning assets | $656,077,500 | 1,045 |
| Average equity | $72,153,250 | 1,129 |
| Average total loans | $115,260,000 | 3,076 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4232% | 5,014 |
| Cost of funding earning assets | 0.9009% | 730 |
| Net interest margin | 2.5223% | 5,330 |
| Noninterest income to average assets | 0.1598% | 5,026 |
| Noninterest expense to average assets | 1.1812% | 5,460 |
| Loan and lease loss provision to assets | 0.0258% | 3,400 |
| Net operating income to assets | 1.3223% | 1,693 |
| Return on assets (ROA) | 1.3439% | 1,629 |
| Pretax return on assets | 1.3553% | 2,306 |
| Return on Equity (ROE) | 12.8115% | 1,439 |
| Retained earnings to average equity (ytd only) | 12.8115% | 411 |
| Net charge-offs to loans | 0.3399% | 473 |
| Credit loss provision to net charge-offs | 46.3918% | 2,514 |
| Earnings coverage of net charge-offs (x) | 24.4227% | 1,680 |
| Efficiency ratio | 46.4935% | 5,190 |
| Assets per employee ($millions) | 12.6675% | 163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5970% | 1,116 |
| Loan loss allowance to noncurrent loans | 338.6404% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.0802% | 4,609 |
| Noncurrent loans to loans | 0.4716% | 3,019 |
| Net loans and leases to total assets | 16.7419% | 5,462 |
| Net loans and leases to deposits | 18.7493% | 5,468 |
| Net loans and leases to core deposits | 21.2851% | 5,458 |
| Total domestic deposits to total assets | 89.2934% | 820 |
| Equity capital to assets | 10.3321% | 3,306 |
| Core capital (leverage) ratio | 10.5612% | 2,970 |
| Tier 1 risk-based capital ratio | 26.4812% | 637 |
| Total risk-based capital ratio | 27.1626% | 662 |
| Memoranda: | ||
| Average total assets | $697,092,670 | 1,064 |
| Average earning assets | $657,979,330 | 1,047 |
| Average equity | $73,121,670 | 1,115 |
| Average total loans | $114,162,670 | 3,107 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3862% | 5,042 |
| Cost of funding earning assets | 0.8544% | 750 |
| Net interest margin | 2.5317% | 5,372 |
| Noninterest income to average assets | 0.1595% | 5,063 |
| Noninterest expense to average assets | 1.1806% | 5,524 |
| Loan and lease loss provision to assets | 0.0258% | 3,182 |
| Net operating income to assets | 1.3446% | 1,495 |
| Return on assets (ROA) | 1.3871% | 1,391 |
| Pretax return on assets | 1.3871% | 2,058 |
| Return on Equity (ROE) | 13.1253% | 1,228 |
| Retained earnings to average equity (ytd only) | 13.1253% | 502 |
| Net charge-offs to loans | 0.3572% | 437 |
| Credit loss provision to net charge-offs | 45.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 23.8900% | 1,372 |
| Efficiency ratio | 46.2784% | 5,262 |
| Assets per employee ($millions) | 12.5016% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7248% | 903 |
| Loan loss allowance to noncurrent loans | 866.9643% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.0320% | 4,947 |
| Noncurrent loans to loans | 0.1989% | 4,076 |
| Net loans and leases to total assets | 15.8053% | 5,528 |
| Net loans and leases to deposits | 17.6639% | 5,533 |
| Net loans and leases to core deposits | 19.6178% | 5,523 |
| Total domestic deposits to total assets | 89.4783% | 901 |
| Equity capital to assets | 10.1947% | 3,401 |
| Core capital (leverage) ratio | 10.2207% | 3,276 |
| Tier 1 risk-based capital ratio | 26.5148% | 647 |
| Total risk-based capital ratio | 27.2370% | 669 |
| Memoranda: | ||
| Average total assets | $697,283,000 | 1,068 |
| Average earning assets | $658,682,000 | 1,056 |
| Average equity | $73,690,000 | 1,113 |
| Average total loans | $111,976,000 | 3,163 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3592% | 4,997 |
| Cost of funding earning assets | 0.8166% | 566 |
| Net interest margin | 2.5425% | 5,385 |
| Noninterest income to average assets | 0.1540% | 5,188 |
| Noninterest expense to average assets | 1.2408% | 5,580 |
| Loan and lease loss provision to assets | 0.1171% | 1,942 |
| Net operating income to assets | 1.9789% | 293 |
| Return on assets (ROA) | 2.0068% | 285 |
| Pretax return on assets | 1.2467% | 2,570 |
| Return on Equity (ROE) | 19.7926% | 203 |
| Retained earnings to average equity (ytd only) | 18.3119% | 49 |
| Net charge-offs to loans | 0.1035% | 2,030 |
| Credit loss provision to net charge-offs | 764.7059% | 437 |
| Earnings coverage of net charge-offs (x) | 87.2353% | 717 |
| Efficiency ratio | 48.1559% | 5,306 |
| Assets per employee ($millions) | 11.9738% | 189 |
| Cash dividends to net income (ytd only)* | 7.4811% | 3,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7933% | 787 |
| Loan loss allowance to noncurrent loans | 950.9524% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 4,991 |
| Noncurrent loans to loans | 0.1886% | 4,162 |
| Net loans and leases to total assets | 15.7473% | 5,598 |
| Net loans and leases to deposits | 17.7904% | 5,604 |
| Net loans and leases to core deposits | 20.1072% | 5,592 |
| Total domestic deposits to total assets | 88.5160% | 1,246 |
| Equity capital to assets | 10.9446% | 2,680 |
| Core capital (leverage) ratio | 10.2733% | 3,100 |
| Tier 1 risk-based capital ratio | 25.8772% | 673 |
| Total risk-based capital ratio | 26.6276% | 688 |
| Memoranda: | ||
| Average total assets | $666,088,200 | 1,099 |
| Average earning assets | $634,680,800 | 1,066 |
| Average equity | $67,535,400 | 1,183 |
| Average total loans | $98,547,800 | 3,376 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3644% | 5,012 |
| Cost of funding earning assets | 0.8087% | 550 |
| Net interest margin | 2.5557% | 5,433 |
| Noninterest income to average assets | 0.1523% | 5,254 |
| Noninterest expense to average assets | 1.2269% | 5,645 |
| Loan and lease loss provision to assets | 0.0728% | 2,614 |
| Net operating income to assets | 1.1142% | 2,025 |
| Return on assets (ROA) | 1.1330% | 2,003 |
| Pretax return on assets | 1.3163% | 2,412 |
| Return on Equity (ROE) | 11.4136% | 1,523 |
| Retained earnings to average equity (ytd only) | 10.3946% | 508 |
| Net charge-offs to loans | 0.1175% | 1,616 |
| Credit loss provision to net charge-offs | 428.5714% | 730 |
| Earnings coverage of net charge-offs (x) | 80.4504% | 811 |
| Efficiency ratio | 47.2937% | 5,376 |
| Assets per employee ($millions) | 11.9795% | 184 |
| Cash dividends to net income (ytd only)* | 8.9286% | 3,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5330% | 1,418 |
| Loan loss allowance to noncurrent loans | 1,921.6867% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 5,197 |
| Noncurrent loans to loans | 0.0798% | 4,756 |
| Net loans and leases to total assets | 15.2715% | 5,668 |
| Net loans and leases to deposits | 17.5364% | 5,671 |
| Net loans and leases to core deposits | 19.9013% | 5,659 |
| Total domestic deposits to total assets | 87.0845% | 1,838 |
| Equity capital to assets | 10.7647% | 3,103 |
| Core capital (leverage) ratio | 9.4051% | 4,284 |
| Tier 1 risk-based capital ratio | 24.6859% | 790 |
| Total risk-based capital ratio | 25.3259% | 826 |
| Memoranda: | ||
| Average total assets | $658,990,500 | 1,111 |
| Average earning assets | $629,637,000 | 1,077 |
| Average equity | $65,417,250 | 1,225 |
| Average total loans | $95,345,000 | 3,454 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3668% | 5,005 |
| Cost of funding earning assets | 0.7990% | 527 |
| Net interest margin | 2.5678% | 5,457 |
| Noninterest income to average assets | 0.1511% | 5,305 |
| Noninterest expense to average assets | 1.2292% | 5,697 |
| Loan and lease loss provision to assets | 0.0733% | 2,503 |
| Net operating income to assets | 1.1201% | 1,888 |
| Return on assets (ROA) | 1.1376% | 1,883 |
| Pretax return on assets | 1.3211% | 2,304 |
| Return on Equity (ROE) | 11.8002% | 1,361 |
| Retained earnings to average equity (ytd only) | 10.2167% | 544 |
| Net charge-offs to loans | 0.1147% | 1,492 |
| Credit loss provision to net charge-offs | 452.8302% | 717 |
| Earnings coverage of net charge-offs (x) | 84.9057% | 736 |
| Efficiency ratio | 47.2203% | 5,427 |
| Assets per employee ($millions) | 11.2731% | 210 |
| Cash dividends to net income (ytd only)* | 13.4192% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5463% | 1,408 |
| Loan loss allowance to noncurrent loans | 2,788.8889% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 5,269 |
| Noncurrent loans to loans | 0.0554% | 4,910 |
| Net loans and leases to total assets | 14.4165% | 5,720 |
| Net loans and leases to deposits | 16.4476% | 5,726 |
| Net loans and leases to core deposits | 18.9056% | 5,710 |
| Total domestic deposits to total assets | 87.6510% | 1,640 |
| Equity capital to assets | 10.5157% | 3,318 |
| Core capital (leverage) ratio | 9.1756% | 4,519 |
| Tier 1 risk-based capital ratio | 24.4921% | 805 |
| Total risk-based capital ratio | 25.1106% | 847 |
| Memoranda: | ||
| Average total assets | $655,036,670 | 1,116 |
| Average earning assets | $625,515,670 | 1,081 |
| Average equity | $63,151,330 | 1,260 |
| Average total loans | $92,445,330 | 3,528 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3654% | 5,006 |
| Cost of funding earning assets | 0.7896% | 522 |
| Net interest margin | 2.5758% | 5,488 |
| Noninterest income to average assets | 0.1508% | 5,357 |
| Noninterest expense to average assets | 1.2123% | 5,764 |
| Loan and lease loss provision to assets | 0.0738% | 2,325 |
| Net operating income to assets | 1.1403% | 1,710 |
| Return on assets (ROA) | 1.1403% | 1,748 |
| Pretax return on assets | 1.3237% | 2,157 |
| Return on Equity (ROE) | 12.4037% | 1,135 |
| Retained earnings to average equity (ytd only) | 12.4037% | 432 |
| Net charge-offs to loans | 0.2445% | 732 |
| Credit loss provision to net charge-offs | 218.1818% | 958 |
| Earnings coverage of net charge-offs (x) | 41.2909% | 1,018 |
| Efficiency ratio | 46.4513% | 5,512 |
| Assets per employee ($millions) | 11.2471% | 208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5326% | 1,572 |
| Loan loss allowance to noncurrent loans | 222.1509% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 4,886 |
| Noncurrent loans to loans | 0.6899% | 2,775 |
| Net loans and leases to total assets | 13.6312% | 5,794 |
| Net loans and leases to deposits | 15.1132% | 5,796 |
| Net loans and leases to core deposits | 17.3142% | 5,785 |
| Total domestic deposits to total assets | 90.1938% | 578 |
| Equity capital to assets | 9.4243% | 4,369 |
| Core capital (leverage) ratio | 9.0056% | 4,731 |
| Tier 1 risk-based capital ratio | 24.6766% | 808 |
| Total risk-based capital ratio | 25.2628% | 851 |
| Memoranda: | ||
| Average total assets | $649,999,000 | 1,125 |
| Average earning assets | $620,549,500 | 1,089 |
| Average equity | $59,756,500 | 1,323 |
| Average total loans | $89,972,000 | 3,599 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2629% | 5,218 |
| Cost of funding earning assets | 0.8035% | 497 |
| Net interest margin | 2.4594% | 5,609 |
| Noninterest income to average assets | 0.1314% | 5,530 |
| Noninterest expense to average assets | 1.1735% | 5,834 |
| Loan and lease loss provision to assets | 0.0509% | 3,367 |
| Net operating income to assets | 1.0873% | 1,947 |
| Return on assets (ROA) | 1.1667% | 1,715 |
| Pretax return on assets | 1.3570% | 2,075 |
| Return on Equity (ROE) | 11.5282% | 1,388 |
| Retained earnings to average equity (ytd only) | 11.5282% | 252 |
| Net charge-offs to loans | 0.1505% | 1,756 |
| Credit loss provision to net charge-offs | 264.0000% | 1,090 |
| Earnings coverage of net charge-offs (x) | 68.2320% | 810 |
| Efficiency ratio | 47.1430% | 5,605 |
| Assets per employee ($millions) | 11.7757% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4715% | 1,792 |
| Loan loss allowance to noncurrent loans | 461.1888% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 5,171 |
| Noncurrent loans to loans | 0.3191% | 4,008 |
| Net loans and leases to total assets | 13.6367% | 5,854 |
| Net loans and leases to deposits | 15.0763% | 5,858 |
| Net loans and leases to core deposits | 17.2103% | 5,847 |
| Total domestic deposits to total assets | 90.4512% | 464 |
| Equity capital to assets | 8.9607% | 4,856 |
| Core capital (leverage) ratio | 8.7988% | 4,968 |
| Tier 1 risk-based capital ratio | 23.8974% | 876 |
| Total risk-based capital ratio | 24.4563% | 932 |
| Memoranda: | ||
| Average total assets | $648,254,600 | 1,097 |
| Average earning assets | $621,443,400 | 1,052 |
| Average equity | $65,604,600 | 1,198 |
| Average total loans | $83,032,000 | 3,738 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2627% | 5,261 |
| Cost of funding earning assets | 0.8029% | 496 |
| Net interest margin | 2.4597% | 5,682 |
| Noninterest income to average assets | 0.1230% | 5,630 |
| Noninterest expense to average assets | 1.1589% | 5,900 |
| Loan and lease loss provision to assets | 0.0463% | 3,317 |
| Net operating income to assets | 1.0983% | 2,002 |
| Return on assets (ROA) | 1.1883% | 1,775 |
| Pretax return on assets | 1.3841% | 2,108 |
| Return on Equity (ROE) | 11.4155% | 1,520 |
| Retained earnings to average equity (ytd only) | 11.4155% | 371 |
| Net charge-offs to loans | 0.2097% | 1,111 |
| Credit loss provision to net charge-offs | 175.7813% | 1,587 |
| Earnings coverage of net charge-offs (x) | 50.3679% | 1,064 |
| Efficiency ratio | 46.6440% | 5,645 |
| Assets per employee ($millions) | 11.9267% | 174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4180% | 2,122 |
| Loan loss allowance to noncurrent loans | 446.8635% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.0413% | 5,312 |
| Noncurrent loans to loans | 0.3173% | 4,114 |
| Net loans and leases to total assets | 12.8346% | 5,921 |
| Net loans and leases to deposits | 15.0213% | 5,925 |
| Net loans and leases to core deposits | 17.1561% | 5,916 |
| Total domestic deposits to total assets | 85.4422% | 2,627 |
| Equity capital to assets | 11.2895% | 2,713 |
| Core capital (leverage) ratio | 8.6597% | 5,202 |
| Tier 1 risk-based capital ratio | 23.7268% | 924 |
| Total risk-based capital ratio | 24.2530% | 987 |
| Memoranda: | ||
| Average total assets | $648,402,250 | 1,097 |
| Average earning assets | $622,544,500 | 1,047 |
| Average equity | $67,497,000 | 1,164 |
| Average total loans | $81,380,250 | 3,793 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2960% | 5,296 |
| Cost of funding earning assets | 0.8055% | 479 |
| Net interest margin | 2.4905% | 5,750 |
| Noninterest income to average assets | 0.1205% | 5,708 |
| Noninterest expense to average assets | 1.1559% | 5,982 |
| Loan and lease loss provision to assets | 0.0372% | 3,417 |
| Net operating income to assets | 1.1339% | 1,833 |
| Return on assets (ROA) | 1.2135% | 1,645 |
| Pretax return on assets | 1.4145% | 1,971 |
| Return on Equity (ROE) | 12.0011% | 1,323 |
| Retained earnings to average equity (ytd only) | 12.0011% | 325 |
| Net charge-offs to loans | 0.2649% | 909 |
| Credit loss provision to net charge-offs | 113.2075% | 1,937 |
| Earnings coverage of net charge-offs (x) | 41.4057% | 1,135 |
| Efficiency ratio | 45.9616% | 5,753 |
| Assets per employee ($millions) | 13.0915% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3893% | 2,347 |
| Loan loss allowance to noncurrent loans | 425.6604% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 5,414 |
| Noncurrent loans to loans | 0.3264% | 4,197 |
| Net loans and leases to total assets | 12.2318% | 6,001 |
| Net loans and leases to deposits | 14.3166% | 6,004 |
| Net loans and leases to core deposits | 16.3698% | 5,995 |
| Total domestic deposits to total assets | 85.4377% | 2,672 |
| Equity capital to assets | 11.2516% | 2,797 |
| Core capital (leverage) ratio | 8.3608% | 5,483 |
| Tier 1 risk-based capital ratio | 23.5126% | 962 |
| Total risk-based capital ratio | 24.0155% | 1,025 |
| Memoranda: | ||
| Average total assets | $645,879,330 | 1,104 |
| Average earning assets | $620,988,330 | 1,050 |
| Average equity | $65,310,670 | 1,206 |
| Average total loans | $80,039,670 | 3,840 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3039% | 5,318 |
| Cost of funding earning assets | 0.8122% | 461 |
| Net interest margin | 2.4917% | 5,813 |
| Noninterest income to average assets | 0.1178% | 5,753 |
| Noninterest expense to average assets | 1.1485% | 6,045 |
| Loan and lease loss provision to assets | 0.0374% | 3,159 |
| Net operating income to assets | 1.1443% | 1,734 |
| Return on assets (ROA) | 1.1797% | 1,717 |
| Pretax return on assets | 1.3717% | 1,995 |
| Return on Equity (ROE) | 12.3779% | 1,193 |
| Retained earnings to average equity (ytd only) | 12.3779% | 449 |
| Net charge-offs to loans | 0.0654% | 1,842 |
| Credit loss provision to net charge-offs | 461.5385% | 645 |
| Earnings coverage of net charge-offs (x) | 168.7692% | 361 |
| Efficiency ratio | 45.6392% | 5,825 |
| Assets per employee ($millions) | 12.4684% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4260% | 2,310 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 12.3787% | 6,062 |
| Net loans and leases to deposits | 13.8211% | 6,066 |
| Net loans and leases to core deposits | 15.8433% | 6,054 |
| Total domestic deposits to total assets | 89.5639% | 806 |
| Equity capital to assets | 9.7476% | 4,398 |
| Core capital (leverage) ratio | 8.0730% | 5,739 |
| Tier 1 risk-based capital ratio | 22.6026% | 1,076 |
| Total risk-based capital ratio | 23.1201% | 1,163 |
| Memoranda: | ||
| Average total assets | $641,532,000 | 1,104 |
| Average earning assets | $617,565,000 | 1,060 |
| Average equity | $61,141,000 | 1,277 |
| Average total loans | $79,462,500 | 3,870 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3374% | 5,282 |
| Cost of funding earning assets | 0.7595% | 609 |
| Net interest margin | 2.5779% | 5,772 |
| Noninterest income to average assets | 0.1242% | 5,792 |
| Noninterest expense to average assets | 1.2055% | 6,091 |
| Loan and lease loss provision to assets | 0.0229% | 3,926 |
| Net operating income to assets | 1.0008% | 2,359 |
| Return on assets (ROA) | 1.1031% | 1,980 |
| Pretax return on assets | 1.5137% | 1,514 |
| Return on Equity (ROE) | 11.9138% | 1,321 |
| Retained earnings to average equity (ytd only) | 11.9138% | 257 |
| Net charge-offs to loans | 0.0225% | 3,814 |
| Credit loss provision to net charge-offs | 812.5000% | 421 |
| Earnings coverage of net charge-offs (x) | 495.9375% | 131 |
| Efficiency ratio | 46.3307% | 5,915 |
| Assets per employee ($millions) | 12.6942% | 130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4373% | 2,260 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 12.0358% | 6,122 |
| Net loans and leases to deposits | 13.3519% | 6,128 |
| Net loans and leases to core deposits | 15.2800% | 6,113 |
| Total domestic deposits to total assets | 90.1426% | 577 |
| Equity capital to assets | 9.3087% | 4,779 |
| Core capital (leverage) ratio | 8.2362% | 5,658 |
| Tier 1 risk-based capital ratio | 22.5747% | 1,075 |
| Total risk-based capital ratio | 23.0899% | 1,149 |
| Memoranda: | ||
| Average total assets | $568,212,400 | 1,205 |
| Average earning assets | $546,143,000 | 1,158 |
| Average equity | $52,611,200 | 1,417 |
| Average total loans | $71,195,000 | 4,065 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3801% | 5,246 |
| Cost of funding earning assets | 0.7513% | 642 |
| Net interest margin | 2.6288% | 5,804 |
| Noninterest income to average assets | 0.1218% | 5,867 |
| Noninterest expense to average assets | 1.2306% | 6,167 |
| Loan and lease loss provision to assets | 0.0218% | 3,839 |
| Net operating income to assets | 1.0919% | 2,049 |
| Return on assets (ROA) | 1.2345% | 1,597 |
| Pretax return on assets | 1.5784% | 1,446 |
| Return on Equity (ROE) | 13.3531% | 1,045 |
| Retained earnings to average equity (ytd only) | 13.3531% | 256 |
| Net charge-offs to loans | 0.0287% | 3,368 |
| Credit loss provision to net charge-offs | 600.0000% | 563 |
| Earnings coverage of net charge-offs (x) | 390.9235% | 196 |
| Efficiency ratio | 46.4719% | 5,947 |
| Assets per employee ($millions) | 10.4879% | 227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4442% | 2,391 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 12.9536% | 6,204 |
| Net loans and leases to deposits | 14.3495% | 6,213 |
| Net loans and leases to core deposits | 16.3152% | 6,199 |
| Total domestic deposits to total assets | 90.2722% | 478 |
| Equity capital to assets | 9.4208% | 4,858 |
| Core capital (leverage) ratio | 8.6433% | 5,417 |
| Tier 1 risk-based capital ratio | 23.6515% | 982 |
| Total risk-based capital ratio | 24.1921% | 1,045 |
| Memoranda: | ||
| Average total assets | $551,588,250 | 1,240 |
| Average earning assets | $530,068,750 | 1,194 |
| Average equity | $50,993,250 | 1,464 |
| Average total loans | $69,617,250 | 4,140 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3997% | 5,232 |
| Cost of funding earning assets | 0.7475% | 656 |
| Net interest margin | 2.6522% | 5,821 |
| Noninterest income to average assets | 0.1160% | 5,964 |
| Noninterest expense to average assets | 1.2428% | 6,239 |
| Loan and lease loss provision to assets | 0.0220% | 3,691 |
| Net operating income to assets | 1.0956% | 1,970 |
| Return on assets (ROA) | 1.2830% | 1,432 |
| Pretax return on assets | 1.6408% | 1,218 |
| Return on Equity (ROE) | 13.9703% | 910 |
| Retained earnings to average equity (ytd only) | 13.9703% | 236 |
| Net charge-offs to loans | 0.0176% | 3,349 |
| Credit loss provision to net charge-offs | 1,000.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 648.0000% | 98 |
| Efficiency ratio | 46.6301% | 6,016 |
| Assets per employee ($millions) | 10.2736% | 242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4792% | 2,384 |
| Loan loss allowance to noncurrent loans | 5,855.5556% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 5,904 |
| Noncurrent loans to loans | 0.0253% | 5,658 |
| Net loans and leases to total assets | 13.1404% | 6,280 |
| Net loans and leases to deposits | 14.7727% | 6,284 |
| Net loans and leases to core deposits | 16.3642% | 6,273 |
| Total domestic deposits to total assets | 88.9508% | 1,164 |
| Equity capital to assets | 8.7799% | 5,455 |
| Core capital (leverage) ratio | 8.3586% | 5,669 |
| Tier 1 risk-based capital ratio | 22.9327% | 1,094 |
| Total risk-based capital ratio | 23.4667% | 1,158 |
| Memoranda: | ||
| Average total assets | $546,669,670 | 1,252 |
| Average earning assets | $525,458,330 | 1,211 |
| Average equity | $50,206,330 | 1,489 |
| Average total loans | $68,010,670 | 4,213 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3306% | 5,374 |
| Cost of funding earning assets | 0.7344% | 716 |
| Net interest margin | 2.5961% | 5,929 |
| Noninterest income to average assets | 0.1042% | 6,063 |
| Noninterest expense to average assets | 1.2133% | 6,320 |
| Loan and lease loss provision to assets | 0.0217% | 3,430 |
| Net operating income to assets | 1.0726% | 1,963 |
| Return on assets (ROA) | 1.3203% | 1,295 |
| Pretax return on assets | 1.6879% | 1,078 |
| Return on Equity (ROE) | 14.0772% | 864 |
| Retained earnings to average equity (ytd only) | 14.0772% | 354 |
| Net charge-offs to loans | 0.0301% | 2,583 |
| Credit loss provision to net charge-offs | 600.0000% | 466 |
| Earnings coverage of net charge-offs (x) | 384.8000% | 145 |
| Efficiency ratio | 46.5704% | 6,081 |
| Assets per employee ($millions) | 10.6350% | 221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4803% | 2,534 |
| Loan loss allowance to noncurrent loans | 4,659.0909% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 5,954 |
| Noncurrent loans to loans | 0.0318% | 5,668 |
| Net loans and leases to total assets | 12.3359% | 6,352 |
| Net loans and leases to deposits | 13.7272% | 6,358 |
| Net loans and leases to core deposits | 15.1149% | 6,347 |
| Total domestic deposits to total assets | 89.8647% | 805 |
| Equity capital to assets | 9.7080% | 4,496 |
| Core capital (leverage) ratio | 8.1521% | 5,846 |
| Tier 1 risk-based capital ratio | 22.3536% | 1,190 |
| Total risk-based capital ratio | 22.8813% | 1,268 |
| Memoranda: | ||
| Average total assets | $552,890,000 | 1,248 |
| Average earning assets | $532,644,500 | 1,198 |
| Average equity | $51,857,000 | 1,460 |
| Average total loans | $66,389,000 | 4,291 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4741% | 5,382 |
| Cost of funding earning assets | 0.7974% | 661 |
| Net interest margin | 2.6766% | 5,974 |
| Noninterest income to average assets | 0.1176% | 6,096 |
| Noninterest expense to average assets | 1.2509% | 6,406 |
| Loan and lease loss provision to assets | 0.0065% | 4,496 |
| Net operating income to assets | 1.1916% | 1,613 |
| Return on assets (ROA) | 1.2227% | 1,570 |
| Pretax return on assets | 1.4588% | 1,700 |
| Return on Equity (ROE) | 15.8236% | 642 |
| Retained earnings to average equity (ytd only) | 15.8236% | 130 |
| Net charge-offs to loans | -0.0743% | 6,037 |
| Credit loss provision to net charge-offs | -71.4286% | 5,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6908% | 6,235 |
| Assets per employee ($millions) | 11.7609% | 152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5740% | 2,180 |
| Loan loss allowance to noncurrent loans | 3,846.1538% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 6,072 |
| Noncurrent loans to loans | 0.0409% | 5,710 |
| Net loans and leases to total assets | 11.3129% | 6,450 |
| Net loans and leases to deposits | 12.4767% | 6,456 |
| Net loans and leases to core deposits | 13.5658% | 6,440 |
| Total domestic deposits to total assets | 90.6717% | 477 |
| Equity capital to assets | 9.0504% | 5,233 |
| Core capital (leverage) ratio | 8.0853% | 5,941 |
| Tier 1 risk-based capital ratio | 22.2989% | 1,178 |
| Total risk-based capital ratio | 22.8359% | 1,271 |
| Memoranda: | ||
| Average total assets | $464,133,800 | 1,440 |
| Average earning assets | $444,176,400 | 1,375 |
| Average equity | $35,864,200 | 1,955 |
| Average total loans | $56,525,600 | 4,598 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5532% | 5,262 |
| Cost of funding earning assets | 0.8120% | 645 |
| Net interest margin | 2.7413% | 5,952 |
| Noninterest income to average assets | 0.1143% | 6,190 |
| Noninterest expense to average assets | 1.2679% | 6,468 |
| Loan and lease loss provision to assets | 0.0091% | 4,244 |
| Net operating income to assets | 1.2542% | 1,512 |
| Return on assets (ROA) | 1.2776% | 1,501 |
| Pretax return on assets | 1.4830% | 1,701 |
| Return on Equity (ROE) | 17.4688% | 497 |
| Retained earnings to average equity (ytd only) | 17.4688% | 126 |
| Net charge-offs to loans | -0.1071% | 6,160 |
| Credit loss provision to net charge-offs | -68.1818% | 5,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3958% | 6,279 |
| Assets per employee ($millions) | 10.4125% | 214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6819% | 2,031 |
| Loan loss allowance to noncurrent loans | 3,455.1724% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 6,180 |
| Noncurrent loans to loans | 0.0487% | 5,817 |
| Net loans and leases to total assets | 12.2288% | 6,522 |
| Net loans and leases to deposits | 13.3864% | 6,528 |
| Net loans and leases to core deposits | 14.5442% | 6,514 |
| Total domestic deposits to total assets | 91.3528% | 268 |
| Equity capital to assets | 8.4527% | 5,831 |
| Core capital (leverage) ratio | 8.0748% | 6,017 |
| Tier 1 risk-based capital ratio | 22.1025% | 1,249 |
| Total risk-based capital ratio | 22.6923% | 1,334 |
| Memoranda: | ||
| Average total assets | $441,977,250 | 1,516 |
| Average earning assets | $422,176,000 | 1,459 |
| Average equity | $32,323,500 | 2,156 |
| Average total loans | $54,773,750 | 4,696 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5807% | 5,204 |
| Cost of funding earning assets | 0.8250% | 627 |
| Net interest margin | 2.7558% | 5,980 |
| Noninterest income to average assets | 0.1085% | 6,250 |
| Noninterest expense to average assets | 1.2680% | 6,536 |
| Loan and lease loss provision to assets | 0.0140% | 3,978 |
| Net operating income to assets | 1.2322% | 1,500 |
| Return on assets (ROA) | 1.2429% | 1,531 |
| Pretax return on assets | 1.4654% | 1,653 |
| Return on Equity (ROE) | 18.0389% | 455 |
| Retained earnings to average equity (ytd only) | 18.0389% | 122 |
| Net charge-offs to loans | -0.1091% | 6,176 |
| Credit loss provision to net charge-offs | -103.4483% | 5,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3660% | 6,345 |
| Assets per employee ($millions) | 10.0772% | 228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7705% | 1,919 |
| Loan loss allowance to noncurrent loans | 2,990.9091% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 6,238 |
| Noncurrent loans to loans | 0.0592% | 5,859 |
| Net loans and leases to total assets | 12.0756% | 6,586 |
| Net loans and leases to deposits | 13.1973% | 6,597 |
| Net loans and leases to core deposits | 14.3233% | 6,582 |
| Total domestic deposits to total assets | 91.5008% | 266 |
| Equity capital to assets | 8.3169% | 5,941 |
| Core capital (leverage) ratio | 8.1340% | 5,995 |
| Tier 1 risk-based capital ratio | 21.9987% | 1,257 |
| Total risk-based capital ratio | 22.6024% | 1,351 |
| Memoranda: | ||
| Average total assets | $429,645,000 | 1,560 |
| Average earning assets | $409,470,330 | 1,502 |
| Average equity | $29,602,670 | 2,292 |
| Average total loans | $53,173,330 | 4,781 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5574% | 5,279 |
| Cost of funding earning assets | 0.8413% | 608 |
| Net interest margin | 2.7162% | 6,092 |
| Noninterest income to average assets | 0.1130% | 6,289 |
| Noninterest expense to average assets | 1.2793% | 6,607 |
| Loan and lease loss provision to assets | 0.0287% | 3,451 |
| Net operating income to assets | 1.1174% | 1,740 |
| Return on assets (ROA) | 1.1213% | 1,792 |
| Pretax return on assets | 1.3913% | 1,778 |
| Return on Equity (ROE) | 18.3352% | 413 |
| Retained earnings to average equity (ytd only) | 18.3352% | 167 |
| Net charge-offs to loans | -0.2775% | 6,463 |
| Credit loss provision to net charge-offs | -83.3333% | 4,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4769% | 6,377 |
| Assets per employee ($millions) | 10.2891% | 215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8938% | 1,775 |
| Loan loss allowance to noncurrent loans | 2,686.4865% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 6,308 |
| Noncurrent loans to loans | 0.0705% | 5,930 |
| Net loans and leases to total assets | 11.9155% | 6,661 |
| Net loans and leases to deposits | 12.8106% | 6,669 |
| Net loans and leases to core deposits | 13.9240% | 6,655 |
| Total domestic deposits to total assets | 93.0129% | 116 |
| Equity capital to assets | 6.7626% | 6,491 |
| Core capital (leverage) ratio | 8.1841% | 5,963 |
| Tier 1 risk-based capital ratio | 21.6976% | 1,340 |
| Total risk-based capital ratio | 22.3235% | 1,442 |
| Memoranda: | ||
| Average total assets | $417,729,500 | 1,603 |
| Average earning assets | $397,026,000 | 1,552 |
| Average equity | $25,546,500 | 2,591 |
| Average total loans | $51,886,500 | 4,870 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5932% | 5,420 |
| Cost of funding earning assets | 0.8905% | 779 |
| Net interest margin | 2.7027% | 6,139 |
| Noninterest income to average assets | 0.1597% | 6,131 |
| Noninterest expense to average assets | 1.5041% | 6,573 |
| Loan and lease loss provision to assets | 0.0936% | 3,246 |
| Net operating income to assets | 1.1360% | 1,812 |
| Return on assets (ROA) | 1.1993% | 1,636 |
| Pretax return on assets | 1.1738% | 2,679 |
| Return on Equity (ROE) | 17.3268% | 473 |
| Retained earnings to average equity (ytd only) | 17.3268% | 118 |
| Net charge-offs to loans | -0.2512% | 6,647 |
| Credit loss provision to net charge-offs | -238.0952% | 6,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5402% | 5,994 |
| Assets per employee ($millions) | 9.6028% | 263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8094% | 2,037 |
| Loan loss allowance to noncurrent loans | 441.9048% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.0521% | 6,218 |
| Noncurrent loans to loans | 0.4095% | 4,983 |
| Net loans and leases to total assets | 12.4862% | 6,739 |
| Net loans and leases to deposits | 13.2263% | 6,748 |
| Net loans and leases to core deposits | 14.4066% | 6,737 |
| Total domestic deposits to total assets | 94.4042% | 64 |
| Equity capital to assets | 5.4223% | 6,663 |
| Core capital (leverage) ratio | 8.2706% | 5,907 |
| Tier 1 risk-based capital ratio | 21.0268% | 1,415 |
| Total risk-based capital ratio | 21.6410% | 1,533 |
| Memoranda: | ||
| Average total assets | $320,594,200 | 2,006 |
| Average earning assets | $302,294,600 | 1,961 |
| Average equity | $22,191,000 | 2,906 |
| Average total loans | $50,165,800 | 4,953 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5901% | 5,469 |
| Cost of funding earning assets | 0.8969% | 830 |
| Net interest margin | 2.6932% | 6,188 |
| Noninterest income to average assets | 0.1720% | 6,156 |
| Noninterest expense to average assets | 1.5697% | 6,580 |
| Loan and lease loss provision to assets | 0.1000% | 3,091 |
| Net operating income to assets | 1.1239% | 1,915 |
| Return on assets (ROA) | 1.2137% | 1,660 |
| Pretax return on assets | 1.1296% | 2,983 |
| Return on Equity (ROE) | 16.3434% | 604 |
| Retained earnings to average equity (ytd only) | 16.3434% | 150 |
| Net charge-offs to loans | -0.3020% | 6,727 |
| Credit loss provision to net charge-offs | -199.1150% | 5,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9327% | 5,695 |
| Assets per employee ($millions) | 8.3852% | 397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6376% | 2,855 |
| Loan loss allowance to noncurrent loans | 1,135.1351% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 6,424 |
| Noncurrent loans to loans | 0.1443% | 5,890 |
| Net loans and leases to total assets | 14.6759% | 6,804 |
| Net loans and leases to deposits | 15.5831% | 6,815 |
| Net loans and leases to core deposits | 17.1160% | 6,807 |
| Total domestic deposits to total assets | 94.1782% | 64 |
| Equity capital to assets | 5.5937% | 6,728 |
| Core capital (leverage) ratio | 8.1373% | 6,122 |
| Tier 1 risk-based capital ratio | 19.4857% | 1,864 |
| Total risk-based capital ratio | 20.0887% | 1,999 |
| Memoranda: | ||
| Average total assets | $299,913,500 | 2,159 |
| Average earning assets | $282,585,000 | 2,106 |
| Average equity | $22,271,500 | 2,930 |
| Average total loans | $49,885,500 | 5,011 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5248% | 5,642 |
| Cost of funding earning assets | 0.8883% | 949 |
| Net interest margin | 2.6365% | 6,291 |
| Noninterest income to average assets | 0.1837% | 6,104 |
| Noninterest expense to average assets | 1.5921% | 6,595 |
| Loan and lease loss provision to assets | 0.1052% | 3,033 |
| Net operating income to assets | 1.0383% | 2,163 |
| Return on assets (ROA) | 1.1799% | 1,753 |
| Pretax return on assets | 1.1126% | 3,043 |
| Return on Equity (ROE) | 14.4557% | 920 |
| Retained earnings to average equity (ytd only) | 14.4557% | 273 |
| Net charge-offs to loans | -0.0121% | 5,817 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6689% | 5,522 |
| Assets per employee ($millions) | 8.0448% | 452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 4,356 |
| Loan loss allowance to noncurrent loans | 770.5882% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 6,453 |
| Noncurrent loans to loans | 0.1729% | 5,885 |
| Net loans and leases to total assets | 15.4647% | 6,844 |
| Net loans and leases to deposits | 16.5887% | 6,865 |
| Net loans and leases to core deposits | 18.3421% | 6,846 |
| Total domestic deposits to total assets | 93.2245% | 111 |
| Equity capital to assets | 6.5728% | 6,674 |
| Core capital (leverage) ratio | 8.2167% | 5,993 |
| Tier 1 risk-based capital ratio | 19.3108% | 1,907 |
| Total risk-based capital ratio | 19.8360% | 2,076 |
| Memoranda: | ||
| Average total assets | $285,286,330 | 2,252 |
| Average earning assets | $268,841,330 | 2,197 |
| Average equity | $23,285,000 | 2,837 |
| Average total loans | $49,415,670 | 5,048 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4703% | 5,782 |
| Cost of funding earning assets | 0.8942% | 1,014 |
| Net interest margin | 2.5761% | 6,407 |
| Noninterest income to average assets | 0.2214% | 5,898 |
| Noninterest expense to average assets | 1.6661% | 6,605 |
| Loan and lease loss provision to assets | 0.1107% | 2,851 |
| Net operating income to assets | 0.9400% | 2,472 |
| Return on assets (ROA) | 1.1260% | 1,878 |
| Pretax return on assets | 1.0581% | 3,117 |
| Return on Equity (ROE) | 12.3982% | 1,319 |
| Retained earnings to average equity (ytd only) | 12.3982% | 646 |
| Net charge-offs to loans | -0.0484% | 6,118 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8969% | 5,167 |
| Assets per employee ($millions) | 7.5106% | 605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 5,385 |
| Loan loss allowance to noncurrent loans | 530.0000% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 6,488 |
| Noncurrent loans to loans | 0.2179% | 5,865 |
| Net loans and leases to total assets | 17.4836% | 6,896 |
| Net loans and leases to deposits | 19.1942% | 6,912 |
| Net loans and leases to core deposits | 21.2047% | 6,900 |
| Total domestic deposits to total assets | 91.0881% | 492 |
| Equity capital to assets | 8.5955% | 5,922 |
| Core capital (leverage) ratio | 8.0719% | 6,079 |
| Tier 1 risk-based capital ratio | 19.8088% | 1,824 |
| Total risk-based capital ratio | 20.3547% | 1,987 |
| Memoranda: | ||
| Average total assets | $271,056,000 | 2,379 |
| Average earning assets | $255,426,500 | 2,327 |
| Average equity | $24,616,500 | 2,745 |
| Average total loans | $49,536,000 | 5,072 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8764% | 5,647 |
| Cost of funding earning assets | 0.9658% | 1,552 |
| Net interest margin | 2.9106% | 6,206 |
| Noninterest income to average assets | 0.1969% | 6,009 |
| Noninterest expense to average assets | 2.1888% | 5,947 |
| Loan and lease loss provision to assets | 0.1361% | 3,918 |
| Net operating income to assets | 0.6074% | 4,201 |
| Return on assets (ROA) | 1.3060% | 1,424 |
| Pretax return on assets | 1.2883% | 2,458 |
| Return on Equity (ROE) | 12.4389% | 1,375 |
| Retained earnings to average equity (ytd only) | 12.4389% | 292 |
| Net charge-offs to loans | 1.1253% | 925 |
| Credit loss provision to net charge-offs | 57.8035% | 4,505 |
| Earnings coverage of net charge-offs (x) | 3.0829% | 3,891 |
| Efficiency ratio | 56.3735% | 6,019 |
| Assets per employee ($millions) | 6.5823% | 964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0331% | 5,840 |
| Loan loss allowance to noncurrent loans | 517.5258% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 6,564 |
| Noncurrent loans to loans | 0.1996% | 5,970 |
| Net loans and leases to total assets | 18.7326% | 6,946 |
| Net loans and leases to deposits | 20.8683% | 6,964 |
| Net loans and leases to core deposits | 22.8642% | 6,950 |
| Total domestic deposits to total assets | 89.7658% | 1,087 |
| Equity capital to assets | 9.6222% | 4,701 |
| Core capital (leverage) ratio | 8.3869% | 5,773 |
| Tier 1 risk-based capital ratio | 20.4551% | 1,574 |
| Total risk-based capital ratio | 20.9714% | 1,715 |
| Memoranda: | ||
| Average total assets | $220,441,000 | 2,836 |
| Average earning assets | $205,836,600 | 2,792 |
| Average equity | $23,145,200 | 2,834 |
| Average total loans | $46,121,000 | 5,243 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9429% | 5,674 |
| Cost of funding earning assets | 0.9820% | 1,665 |
| Net interest margin | 2.9609% | 6,251 |
| Noninterest income to average assets | 0.1608% | 6,334 |
| Noninterest expense to average assets | 1.6495% | 6,829 |
| Loan and lease loss provision to assets | 0.1419% | 3,758 |
| Net operating income to assets | 1.0422% | 2,311 |
| Return on assets (ROA) | 1.6022% | 937 |
| Pretax return on assets | 1.7454% | 1,170 |
| Return on Equity (ROE) | 14.8820% | 928 |
| Retained earnings to average equity (ytd only) | 14.8820% | 243 |
| Net charge-offs to loans | 0.0088% | 5,596 |
| Credit loss provision to net charge-offs | 7,500.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 675.6500% | 58 |
| Efficiency ratio | 54.1146% | 6,242 |
| Assets per employee ($millions) | 7.1216% | 704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0007% | 2,162 |
| Loan loss allowance to noncurrent loans | 240.5612% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.1668% | 6,286 |
| Noncurrent loans to loans | 0.8317% | 4,752 |
| Net loans and leases to total assets | 19.6546% | 7,030 |
| Net loans and leases to deposits | 22.4264% | 7,054 |
| Net loans and leases to core deposits | 24.9327% | 7,030 |
| Total domestic deposits to total assets | 87.6403% | 2,265 |
| Equity capital to assets | 10.3530% | 4,014 |
| Core capital (leverage) ratio | 8.1639% | 6,173 |
| Tier 1 risk-based capital ratio | 19.6934% | 1,830 |
| Total risk-based capital ratio | 20.7586% | 1,855 |
| Memoranda: | ||
| Average total assets | $211,374,250 | 2,941 |
| Average earning assets | $197,550,500 | 2,891 |
| Average equity | $22,756,250 | 2,904 |
| Average total loans | $45,503,750 | 5,322 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0582% | 5,460 |
| Cost of funding earning assets | 0.9972% | 1,777 |
| Net interest margin | 3.0610% | 6,100 |
| Noninterest income to average assets | 0.1445% | 6,475 |
| Noninterest expense to average assets | 1.6217% | 6,905 |
| Loan and lease loss provision to assets | 0.1474% | 3,672 |
| Net operating income to assets | 1.1661% | 1,829 |
| Return on assets (ROA) | 1.5480% | 1,023 |
| Pretax return on assets | 1.6374% | 1,428 |
| Return on Equity (ROE) | 14.1692% | 1,074 |
| Retained earnings to average equity (ytd only) | 14.1692% | 335 |
| Net charge-offs to loans | 0.0089% | 5,343 |
| Credit loss provision to net charge-offs | 7,500.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 703.5000% | 48 |
| Efficiency ratio | 51.7174% | 6,522 |
| Assets per employee ($millions) | 6.9261% | 751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9181% | 2,489 |
| Loan loss allowance to noncurrent loans | 207.3986% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.1951% | 6,296 |
| Noncurrent loans to loans | 0.9248% | 4,656 |
| Net loans and leases to total assets | 20.6963% | 7,073 |
| Net loans and leases to deposits | 23.6308% | 7,093 |
| Net loans and leases to core deposits | 26.3529% | 7,079 |
| Total domestic deposits to total assets | 87.5819% | 2,411 |
| Equity capital to assets | 11.0251% | 3,089 |
| Core capital (leverage) ratio | 8.2585% | 5,981 |
| Tier 1 risk-based capital ratio | 20.5283% | 1,566 |
| Total risk-based capital ratio | 21.6141% | 1,590 |
| Memoranda: | ||
| Average total assets | $203,494,330 | 3,048 |
| Average earning assets | $190,134,330 | 2,998 |
| Average equity | $22,231,330 | 2,956 |
| Average total loans | $44,960,330 | 5,384 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0729% | 5,545 |
| Cost of funding earning assets | 0.9966% | 2,001 |
| Net interest margin | 3.0762% | 6,115 |
| Noninterest income to average assets | 0.1273% | 6,612 |
| Noninterest expense to average assets | 1.5281% | 7,036 |
| Loan and lease loss provision to assets | 0.1516% | 3,478 |
| Net operating income to assets | 1.2566% | 1,587 |
| Return on assets (ROA) | 1.4998% | 1,143 |
| Pretax return on assets | 1.5888% | 1,606 |
| Return on Equity (ROE) | 13.7976% | 1,227 |
| Retained earnings to average equity (ytd only) | 13.7976% | 589 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4889% | 6,766 |
| Assets per employee ($millions) | 7.1430% | 702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7466% | 3,175 |
| Loan loss allowance to noncurrent loans | 668.9076% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.0595% | 6,745 |
| Noncurrent loans to loans | 0.2611% | 6,165 |
| Net loans and leases to total assets | 22.3892% | 7,109 |
| Net loans and leases to deposits | 25.4758% | 7,127 |
| Net loans and leases to core deposits | 28.7740% | 7,092 |
| Total domestic deposits to total assets | 87.8842% | 2,408 |
| Equity capital to assets | 10.8873% | 3,046 |
| Core capital (leverage) ratio | 8.4033% | 5,736 |
| Tier 1 risk-based capital ratio | 20.4448% | 1,605 |
| Total risk-based capital ratio | 21.4925% | 1,626 |
| Memoranda: | ||
| Average total assets | $197,886,500 | 3,134 |
| Average earning assets | $185,422,000 | 3,075 |
| Average equity | $21,511,000 | 3,039 |
| Average total loans | $44,787,500 | 5,436 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5045% | 5,058 |
| Cost of funding earning assets | 1.0047% | 3,343 |
| Net interest margin | 3.4998% | 5,145 |
| Noninterest income to average assets | 0.1492% | 6,402 |
| Noninterest expense to average assets | 1.8658% | 6,869 |
| Loan and lease loss provision to assets | 0.3993% | 2,598 |
| Net operating income to assets | 1.1312% | 1,720 |
| Return on assets (ROA) | 1.4664% | 972 |
| Pretax return on assets | 1.5203% | 1,414 |
| Return on Equity (ROE) | 13.3058% | 1,085 |
| Retained earnings to average equity (ytd only) | 13.3058% | 206 |
| Net charge-offs to loans | -0.0125% | 6,908 |
| Credit loss provision to net charge-offs | -13,060.0000% | 6,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8598% | 6,711 |
| Assets per employee ($millions) | 7.8308% | 504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6386% | 3,422 |
| Loan loss allowance to noncurrent loans | 743.2990% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 6,838 |
| Noncurrent loans to loans | 0.2205% | 6,299 |
| Net loans and leases to total assets | 22.1071% | 7,182 |
| Net loans and leases to deposits | 26.3567% | 7,185 |
| Net loans and leases to core deposits | 30.1975% | 7,152 |
| Total domestic deposits to total assets | 83.8765% | 4,368 |
| Equity capital to assets | 10.8530% | 3,136 |
| Core capital (leverage) ratio | 8.3124% | 5,837 |
| Tier 1 risk-based capital ratio | 20.5756% | 1,503 |
| Total risk-based capital ratio | 21.5800% | 1,534 |
| Memoranda: | ||
| Average total assets | $163,524,400 | 3,580 |
| Average earning assets | $153,578,800 | 3,518 |
| Average equity | $18,022,200 | 3,419 |
| Average total loans | $40,106,200 | 5,691 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7044% | 4,440 |
| Cost of funding earning assets | 0.9945% | 3,720 |
| Net interest margin | 3.7099% | 4,294 |
| Noninterest income to average assets | 0.1407% | 6,543 |
| Noninterest expense to average assets | 1.9434% | 6,800 |
| Loan and lease loss provision to assets | 0.4888% | 2,033 |
| Net operating income to assets | 1.1699% | 1,747 |
| Return on assets (ROA) | 1.5111% | 989 |
| Pretax return on assets | 1.5343% | 1,566 |
| Return on Equity (ROE) | 13.6459% | 1,125 |
| Retained earnings to average equity (ytd only) | 13.6459% | 318 |
| Net charge-offs to loans | -0.0170% | 6,874 |
| Credit loss provision to net charge-offs | -11,400.0000% | 6,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2681% | 6,745 |
| Assets per employee ($millions) | 6.8901% | 784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5027% | 4,073 |
| Loan loss allowance to noncurrent loans | 638.0000% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 6,908 |
| Noncurrent loans to loans | 0.2355% | 6,401 |
| Net loans and leases to total assets | 23.3446% | 7,241 |
| Net loans and leases to deposits | 26.8844% | 7,256 |
| Net loans and leases to core deposits | 30.8680% | 7,218 |
| Total domestic deposits to total assets | 86.8334% | 2,755 |
| Equity capital to assets | 11.5646% | 2,629 |
| Core capital (leverage) ratio | 8.7118% | 5,390 |
| Tier 1 risk-based capital ratio | 21.0972% | 1,434 |
| Total risk-based capital ratio | 22.0509% | 1,470 |
| Memoranda: | ||
| Average total assets | $155,463,000 | 3,731 |
| Average earning assets | $145,731,750 | 3,667 |
| Average equity | $17,216,000 | 3,549 |
| Average total loans | $39,132,750 | 5,784 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9816% | 3,247 |
| Cost of funding earning assets | 0.9980% | 3,959 |
| Net interest margin | 3.9835% | 2,924 |
| Noninterest income to average assets | 0.1437% | 6,606 |
| Noninterest expense to average assets | 2.0438% | 6,703 |
| Loan and lease loss provision to assets | 0.6709% | 1,436 |
| Net operating income to assets | 1.1696% | 1,662 |
| Return on assets (ROA) | 1.5111% | 928 |
| Pretax return on assets | 1.4976% | 1,544 |
| Return on Equity (ROE) | 13.8949% | 1,001 |
| Retained earnings to average equity (ytd only) | 13.8949% | 323 |
| Net charge-offs to loans | -0.0210% | 6,833 |
| Credit loss provision to net charge-offs | -12,375.0000% | 6,818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3852% | 6,909 |
| Assets per employee ($millions) | 5.9520% | 1,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4457% | 4,365 |
| Loan loss allowance to noncurrent loans | 456.9106% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.0765% | 6,907 |
| Noncurrent loans to loans | 0.3164% | 6,282 |
| Net loans and leases to total assets | 23.8407% | 7,319 |
| Net loans and leases to deposits | 27.1365% | 7,341 |
| Net loans and leases to core deposits | 31.2981% | 7,308 |
| Total domestic deposits to total assets | 87.8547% | 2,242 |
| Equity capital to assets | 11.0887% | 2,866 |
| Core capital (leverage) ratio | 8.8973% | 4,884 |
| Tier 1 risk-based capital ratio | 21.8987% | 1,273 |
| Total risk-based capital ratio | 22.8169% | 1,291 |
| Memoranda: | ||
| Average total assets | $147,570,000 | 3,892 |
| Average earning assets | $138,069,330 | 3,824 |
| Average equity | $16,049,000 | 3,727 |
| Average total loans | $38,024,330 | 5,890 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5634% | 1,145 |
| Cost of funding earning assets | 1.0113% | 4,120 |
| Net interest margin | 4.5522% | 957 |
| Noninterest income to average assets | 0.1589% | 6,588 |
| Noninterest expense to average assets | 1.9546% | 6,899 |
| Loan and lease loss provision to assets | 1.3191% | 516 |
| Net operating income to assets | 1.1603% | 1,626 |
| Return on assets (ROA) | 1.5205% | 882 |
| Pretax return on assets | 1.4978% | 1,454 |
| Return on Equity (ROE) | 14.1392% | 963 |
| Retained earnings to average equity (ytd only) | 14.1392% | 461 |
| Net charge-offs to loans | -0.0106% | 6,381 |
| Credit loss provision to net charge-offs | -46,500.0000% | 6,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1222% | 7,342 |
| Assets per employee ($millions) | 5.6909% | 1,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4049% | 4,642 |
| Loan loss allowance to noncurrent loans | 394.7761% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 6,936 |
| Noncurrent loans to loans | 0.3559% | 6,278 |
| Net loans and leases to total assets | 25.0906% | 7,355 |
| Net loans and leases to deposits | 28.3858% | 7,382 |
| Net loans and leases to core deposits | 31.3916% | 7,362 |
| Total domestic deposits to total assets | 88.3911% | 2,148 |
| Equity capital to assets | 10.7053% | 2,985 |
| Core capital (leverage) ratio | 9.3384% | 4,070 |
| Tier 1 risk-based capital ratio | 22.0743% | 1,216 |
| Total risk-based capital ratio | 22.9863% | 1,244 |
| Memoranda: | ||
| Average total assets | $141,003,000 | 4,044 |
| Average earning assets | $131,717,000 | 3,982 |
| Average equity | $15,163,500 | 3,871 |
| Average total loans | $37,599,000 | 5,957 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0124% | 7,602 |
| Cost of funding earning assets | 0.2772% | 7,520 |
| Net interest margin | 0.7352% | 7,597 |
| Noninterest income to average assets | 0.0533% | 7,087 |
| Noninterest expense to average assets | 0.5376% | 7,609 |
| Loan and lease loss provision to assets | 0.0500% | 6,656 |
| Net operating income to assets | 0.1844% | 5,324 |
| Return on assets (ROA) | 0.2204% | 5,366 |
| Pretax return on assets | 0.2016% | 5,487 |
| Return on Equity (ROE) | 1.6901% | 5,498 |
| Retained earnings to average equity (ytd only) | 1.6901% | 4,671 |
| Net charge-offs to loans | -0.0054% | 7,270 |
| Credit loss provision to net charge-offs | -3,050.0000% | 7,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6823% | 4,628 |
| Assets per employee ($millions) | 6.0928% | 1,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1678% | 7,535 |
| Loan loss allowance to noncurrent loans | 45.3237% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 0.1037% | 6,973 |
| Noncurrent loans to loans | 0.3702% | 6,314 |
| Net loans and leases to total assets | 27.9621% | 7,406 |
| Net loans and leases to deposits | 31.6218% | 7,435 |
| Net loans and leases to core deposits | 33.5044% | 7,430 |
| Total domestic deposits to total assets | 88.4268% | 1,999 |
| Equity capital to assets | 10.8078% | 2,852 |
| Core capital (leverage) ratio | 9.5601% | 3,629 |
| Tier 1 risk-based capital ratio | 22.6056% | 1,091 |
| Total risk-based capital ratio | 22.7220% | 1,230 |
| Memoranda: | ||
| Average total assets | $122,026,600 | 4,444 |
| Average earning assets | $116,162,600 | 4,315 |
| Average equity | $15,916,000 | 3,786 |
| Average total loans | $37,294,200 | 6,054 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6808% | 7,456 |
| Cost of funding earning assets | 1.2749% | 4,405 |
| Net interest margin | 2.4059% | 7,435 |
| Noninterest income to average assets | 0.2946% | 5,775 |
| Noninterest expense to average assets | 2.0399% | 6,978 |
| Loan and lease loss provision to assets | 0.2913% | 4,248 |
| Net operating income to assets | 0.2834% | 5,230 |
| Return on assets (ROA) | 0.2834% | 5,393 |
| Pretax return on assets | 0.2655% | 5,576 |
| Return on Equity (ROE) | 2.0728% | 5,579 |
| Retained earnings to average equity (ytd only) | -0.4424% | 5,903 |
| Net charge-offs to loans | 0.5801% | 2,998 |
| Credit loss provision to net charge-offs | 160.4938% | 2,358 |
| Earnings coverage of net charge-offs (x) | 3.0680% | 3,597 |
| Efficiency ratio | 77.4806% | 2,696 |
| Assets per employee ($millions) | 6.4451% | 995 |
| Cash dividends to net income (ytd only)* | 121.3447% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2819% | 5,052 |
| Loan loss allowance to noncurrent loans | 135.3276% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.2866% | 6,653 |
| Noncurrent loans to loans | 0.9473% | 5,339 |
| Net loans and leases to total assets | 29.8701% | 7,473 |
| Net loans and leases to deposits | 34.6737% | 7,502 |
| Net loans and leases to core deposits | 36.8236% | 7,486 |
| Total domestic deposits to total assets | 86.1462% | 3,009 |
| Equity capital to assets | 13.1646% | 1,505 |
| Core capital (leverage) ratio | 12.8069% | 1,295 |
| Tier 1 risk-based capital ratio | 28.7548% | 583 |
| Total risk-based capital ratio | 29.6296% | 589 |
| Memoranda: | ||
| Average total assets | $119,022,750 | 4,560 |
| Average earning assets | $113,884,250 | 4,430 |
| Average equity | $16,273,250 | 3,758 |
| Average total loans | $37,231,750 | 6,133 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6862% | 7,536 |
| Cost of funding earning assets | 1.3027% | 4,519 |
| Net interest margin | 2.3835% | 7,493 |
| Noninterest income to average assets | 0.1476% | 6,843 |
| Noninterest expense to average assets | 1.5983% | 7,566 |
| Loan and lease loss provision to assets | 0.2545% | 4,386 |
| Net operating income to assets | 0.4954% | 4,350 |
| Return on assets (ROA) | 0.4954% | 4,505 |
| Pretax return on assets | 0.5735% | 4,655 |
| Return on Equity (ROE) | 3.5776% | 4,977 |
| Retained earnings to average equity (ytd only) | 3.5776% | 3,822 |
| Net charge-offs to loans | 0.0644% | 5,498 |
| Credit loss provision to net charge-offs | 1,250.0000% | 310 |
| Earnings coverage of net charge-offs (x) | 40.6667% | 717 |
| Efficiency ratio | 64.6853% | 5,209 |
| Assets per employee ($millions) | 5.8511% | 1,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 4,606 |
| Loan loss allowance to noncurrent loans | 115.7303% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.3622% | 6,530 |
| Noncurrent loans to loans | 1.1784% | 4,989 |
| Net loans and leases to total assets | 30.3134% | 7,526 |
| Net loans and leases to deposits | 35.1576% | 7,550 |
| Net loans and leases to core deposits | 37.6746% | 7,538 |
| Total domestic deposits to total assets | 86.2215% | 2,956 |
| Equity capital to assets | 13.4016% | 1,387 |
| Core capital (leverage) ratio | 13.5847% | 1,032 |
| Tier 1 risk-based capital ratio | 28.7012% | 585 |
| Total risk-based capital ratio | 29.6351% | 590 |
| Memoranda: | ||
| Average total assets | $117,878,000 | 4,620 |
| Average earning assets | $112,690,670 | 4,490 |
| Average equity | $16,324,000 | 3,748 |
| Average total loans | $37,291,330 | 6,181 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8208% | 7,577 |
| Cost of funding earning assets | 1.3589% | 4,427 |
| Net interest margin | 2.4619% | 7,500 |
| Noninterest income to average assets | 0.1456% | 6,933 |
| Noninterest expense to average assets | 1.5947% | 7,660 |
| Loan and lease loss provision to assets | 0.3120% | 3,549 |
| Net operating income to assets | 0.5374% | 4,198 |
| Return on assets (ROA) | 0.5374% | 4,336 |
| Pretax return on assets | 0.6067% | 4,573 |
| Return on Equity (ROE) | 3.8148% | 4,976 |
| Retained earnings to average equity (ytd only) | 3.8148% | 3,854 |
| Net charge-offs to loans | 0.0108% | 5,434 |
| Credit loss provision to net charge-offs | 9,000.0000% | 50 |
| Earnings coverage of net charge-offs (x) | 265.0000% | 128 |
| Efficiency ratio | 62.3448% | 5,764 |
| Assets per employee ($millions) | 5.7800% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 5,091 |
| Loan loss allowance to noncurrent loans | 93.0140% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.4334% | 6,387 |
| Noncurrent loans to loans | 1.3652% | 4,694 |
| Net loans and leases to total assets | 31.3428% | 7,586 |
| Net loans and leases to deposits | 36.6550% | 7,606 |
| Net loans and leases to core deposits | 39.1570% | 7,597 |
| Total domestic deposits to total assets | 85.5077% | 3,412 |
| Equity capital to assets | 14.1264% | 1,107 |
| Core capital (leverage) ratio | 13.9445% | 974 |
| Tier 1 risk-based capital ratio | 29.4320% | 557 |
| Total risk-based capital ratio | 30.3073% | 565 |
| Memoranda: | ||
| Average total assets | $115,380,500 | 4,733 |
| Average earning assets | $110,971,500 | 4,583 |
| Average equity | $16,252,500 | 3,787 |
| Average total loans | $37,056,000 | 6,264 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0326% | 7,686 |
| Cost of funding earning assets | 1.6798% | 4,615 |
| Net interest margin | 2.3527% | 7,539 |
| Noninterest income to average assets | 0.2332% | 6,444 |
| Noninterest expense to average assets | 1.6413% | 7,744 |
| Loan and lease loss provision to assets | 0.3932% | 4,435 |
| Net operating income to assets | 0.4460% | 3,945 |
| Return on assets (ROA) | 0.4460% | 4,067 |
| Pretax return on assets | 0.4663% | 4,302 |
| Return on Equity (ROE) | 3.0023% | 4,496 |
| Retained earnings to average equity (ytd only) | 1.5074% | 4,016 |
| Net charge-offs to loans | 1.6837% | 1,500 |
| Credit loss provision to net charge-offs | 70.7155% | 6,477 |
| Earnings coverage of net charge-offs (x) | 1.5458% | 4,589 |
| Efficiency ratio | 64.4099% | 5,696 |
| Assets per employee ($millions) | 5.7581% | 1,414 |
| Cash dividends to net income (ytd only)* | 49.7925% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0076% | 6,329 |
| Loan loss allowance to noncurrent loans | 65.4514% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 0.5002% | 6,202 |
| Noncurrent loans to loans | 1.5395% | 4,345 |
| Net loans and leases to total assets | 32.1608% | 7,652 |
| Net loans and leases to deposits | 37.6025% | 7,690 |
| Net loans and leases to core deposits | 51.7464% | 7,536 |
| Total domestic deposits to total assets | 85.5282% | 3,277 |
| Equity capital to assets | 14.0454% | 1,156 |
| Core capital (leverage) ratio | 14.0056% | 978 |
| Tier 1 risk-based capital ratio | 29.5422% | 550 |
| Total risk-based capital ratio | 30.2618% | 561 |
| Memoranda: | ||
| Average total assets | $108,082,600 | 4,876 |
| Average earning assets | $104,177,200 | 4,721 |
| Average equity | $16,054,600 | 3,860 |
| Average total loans | $35,695,200 | 6,324 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2110% | 7,718 |
| Cost of funding earning assets | 1.7497% | 4,634 |
| Net interest margin | 2.4613% | 7,500 |
| Noninterest income to average assets | 0.1580% | 7,064 |
| Noninterest expense to average assets | 1.6542% | 7,797 |
| Loan and lease loss provision to assets | 0.3487% | 4,237 |
| Net operating income to assets | 0.4515% | 4,187 |
| Return on assets (ROA) | 0.4515% | 4,294 |
| Pretax return on assets | 0.5280% | 4,430 |
| Return on Equity (ROE) | 2.9954% | 4,798 |
| Retained earnings to average equity (ytd only) | 2.9954% | 3,654 |
| Net charge-offs to loans | 1.5841% | 1,290 |
| Credit loss provision to net charge-offs | 66.3484% | 6,060 |
| Earnings coverage of net charge-offs (x) | 1.6683% | 4,545 |
| Efficiency ratio | 64.1229% | 5,729 |
| Assets per employee ($millions) | 5.4612% | 1,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 4,972 |
| Loan loss allowance to noncurrent loans | 53.0245% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 0.7114% | 5,705 |
| Noncurrent loans to loans | 2.3121% | 3,250 |
| Net loans and leases to total assets | 30.3908% | 7,796 |
| Net loans and leases to deposits | 35.9289% | 7,826 |
| Net loans and leases to core deposits | 49.2493% | 7,705 |
| Total domestic deposits to total assets | 84.5858% | 3,435 |
| Equity capital to assets | 14.9171% | 1,025 |
| Core capital (leverage) ratio | 14.5335% | 951 |
| Tier 1 risk-based capital ratio | 32.1286% | 466 |
| Total risk-based capital ratio | 32.9771% | 473 |
| Memoranda: | ||
| Average total assets | $106,312,750 | 4,950 |
| Average earning assets | $102,491,000 | 4,805 |
| Average equity | $16,024,500 | 3,910 |
| Average total loans | $35,265,500 | 6,392 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2916% | 7,780 |
| Cost of funding earning assets | 1.8041% | 4,734 |
| Net interest margin | 2.4875% | 7,495 |
| Noninterest income to average assets | 0.1481% | 7,207 |
| Noninterest expense to average assets | 1.7790% | 7,767 |
| Loan and lease loss provision to assets | 0.4139% | 3,462 |
| Net operating income to assets | 0.1937% | 5,283 |
| Return on assets (ROA) | 0.1937% | 5,362 |
| Pretax return on assets | 0.3531% | 5,065 |
| Return on Equity (ROE) | 1.2802% | 5,544 |
| Retained earnings to average equity (ytd only) | 1.2802% | 4,628 |
| Net charge-offs to loans | 1.9878% | 933 |
| Credit loss provision to net charge-offs | 61.2360% | 5,572 |
| Earnings coverage of net charge-offs (x) | 1.1348% | 4,673 |
| Efficiency ratio | 68.6055% | 5,048 |
| Assets per employee ($millions) | 5.3331% | 1,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1938% | 4,990 |
| Loan loss allowance to noncurrent loans | 60.9012% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 0.6450% | 5,803 |
| Noncurrent loans to loans | 1.9602% | 3,578 |
| Net loans and leases to total assets | 32.5142% | 7,821 |
| Net loans and leases to deposits | 38.5248% | 7,852 |
| Net loans and leases to core deposits | 52.2187% | 7,703 |
| Total domestic deposits to total assets | 84.3982% | 3,561 |
| Equity capital to assets | 15.0336% | 1,018 |
| Core capital (leverage) ratio | 14.6338% | 994 |
| Tier 1 risk-based capital ratio | 31.1526% | 533 |
| Total risk-based capital ratio | 31.9955% | 542 |
| Memoranda: | ||
| Average total assets | $105,342,330 | 5,001 |
| Average earning assets | $101,547,330 | 4,855 |
| Average equity | $15,935,000 | 3,936 |
| Average total loans | $35,818,670 | 6,417 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4708% | 7,745 |
| Cost of funding earning assets | 1.8549% | 4,854 |
| Net interest margin | 2.6159% | 7,350 |
| Noninterest income to average assets | 0.1452% | 7,251 |
| Noninterest expense to average assets | 1.6889% | 7,835 |
| Loan and lease loss provision to assets | 0.8941% | 1,463 |
| Net operating income to assets | -0.3668% | 6,749 |
| Return on assets (ROA) | -0.3668% | 6,828 |
| Pretax return on assets | 0.0841% | 6,200 |
| Return on Equity (ROE) | -2.4174% | 6,713 |
| Retained earnings to average equity (ytd only) | -2.4174% | 6,178 |
| Net charge-offs to loans | 4.3230% | 269 |
| Credit loss provision to net charge-offs | 59.8465% | 4,520 |
| Earnings coverage of net charge-offs (x) | 0.6547% | 4,475 |
| Efficiency ratio | 62.1777% | 6,021 |
| Assets per employee ($millions) | 5.2302% | 1,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1329% | 5,240 |
| Loan loss allowance to noncurrent loans | 56.8990% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 0.6721% | 5,483 |
| Noncurrent loans to loans | 1.9911% | 3,268 |
| Net loans and leases to total assets | 33.3706% | 7,824 |
| Net loans and leases to deposits | 39.5749% | 7,851 |
| Net loans and leases to core deposits | 53.4408% | 7,691 |
| Total domestic deposits to total assets | 84.3228% | 3,544 |
| Equity capital to assets | 15.1400% | 1,061 |
| Core capital (leverage) ratio | 14.6046% | 1,053 |
| Tier 1 risk-based capital ratio | 31.1886% | 575 |
| Total risk-based capital ratio | 32.0051% | 576 |
| Memoranda: | ||
| Average total assets | $104,683,000 | 5,050 |
| Average earning assets | $100,922,000 | 4,889 |
| Average equity | $15,885,000 | 3,967 |
| Average total loans | $36,178,500 | 6,434 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2894% | 7,609 |
| Cost of funding earning assets | 2.1798% | 5,684 |
| Net interest margin | 3.1096% | 6,625 |
| Noninterest income to average assets | 0.1946% | 7,063 |
| Noninterest expense to average assets | 1.6100% | 7,954 |
| Loan and lease loss provision to assets | 0.0289% | 7,042 |
| Net operating income to assets | 1.1990% | 1,767 |
| Return on assets (ROA) | 1.2005% | 1,698 |
| Pretax return on assets | 1.5252% | 1,612 |
| Return on Equity (ROE) | 7.9055% | 3,113 |
| Retained earnings to average equity (ytd only) | 3.7180% | 2,820 |
| Net charge-offs to loans | 0.2015% | 4,186 |
| Credit loss provision to net charge-offs | 40.5405% | 6,448 |
| Earnings coverage of net charge-offs (x) | 21.7703% | 1,511 |
| Efficiency ratio | 49.9086% | 7,670 |
| Assets per employee ($millions) | 4.9887% | 1,951 |
| Cash dividends to net income (ytd only)* | 52.9695% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5034% | 2,669 |
| Loan loss allowance to noncurrent loans | 39.8426% | 6,064 |
| Noncurrent assets plus other real estate owned to assets | 1.3345% | 3,545 |
| Noncurrent loans to loans | 3.7733% | 1,319 |
| Net loans and leases to total assets | 34.8342% | 7,871 |
| Net loans and leases to deposits | 41.3383% | 7,913 |
| Net loans and leases to core deposits | 54.9941% | 7,766 |
| Total domestic deposits to total assets | 84.2662% | 3,196 |
| Equity capital to assets | 15.2088% | 1,111 |
| Core capital (leverage) ratio | 14.6927% | 1,090 |
| Tier 1 risk-based capital ratio | 30.7199% | 603 |
| Total risk-based capital ratio | 31.8334% | 600 |
| Memoranda: | ||
| Average total assets | $103,786,600 | 4,943 |
| Average earning assets | $99,047,200 | 4,832 |
| Average equity | $15,761,200 | 3,982 |
| Average total loans | $36,720,800 | 6,334 |