Home > The Karnes County National Bank of Karnes City > Performance and Condition Ratios
The Karnes County National Bank of Karnes City, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9833% | 3,994 |
| Cost of funding earning assets | 0.7258% | 3,887 |
| Net interest margin | 3.2575% | 2,740 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 1.8105% | 3,991 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1948% | 1,660 |
| Return on assets (ROA) | 1.1812% | 1,668 |
| Pretax return on assets | 1.4310% | 1,574 |
| Return on Equity (ROE) | 17.1400% | 931 |
| Retained earnings to average equity (ytd only) | 15.7202% | 284 |
| Net charge-offs to loans | -0.0564% | 4,394 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 55.5674% | 3,540 |
| Assets per employee ($millions) | 12.4713% | 370 |
| Cash dividends to net income (ytd only)* | 8.2687% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1789% | 2,415 |
| Loan loss allowance to noncurrent loans | 81.4344% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 0.5235% | 1,072 |
| Noncurrent loans to loans | 1.4477% | 477 |
| Net loans and leases to total assets | 35.7400% | 4,168 |
| Net loans and leases to deposits | 41.5259% | 4,161 |
| Net loans and leases to core deposits | 43.5537% | 4,214 |
| Total domestic deposits to total assets | 86.0600% | 1,996 |
| Equity capital to assets | 7.7686% | 3,563 |
| Core capital (leverage) ratio | 11.2351% | 1,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3953% | 398 |
| Memoranda: | ||
| Average total assets | $491,464,600 | 1,744 |
| Average earning assets | $470,791,200 | 1,708 |
| Average equity | $33,873,600 | 2,099 |
| Average total loans | $170,251,200 | 2,519 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8927% | 4,005 |
| Cost of funding earning assets | 0.5391% | 4,077 |
| Net interest margin | 3.3536% | 2,562 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 1.7989% | 3,979 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2792% | 1,589 |
| Return on assets (ROA) | 1.2609% | 1,622 |
| Pretax return on assets | 1.5372% | 1,492 |
| Return on Equity (ROE) | 18.9300% | 826 |
| Retained earnings to average equity (ytd only) | 18.4335% | 320 |
| Net charge-offs to loans | -0.0792% | 4,455 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.5618% | 3,621 |
| Assets per employee ($millions) | 11.9208% | 383 |
| Cash dividends to net income (ytd only)* | 2.6081% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2651% | 2,032 |
| Loan loss allowance to noncurrent loans | 83.2309% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 0.5661% | 1,039 |
| Noncurrent loans to loans | 1.5200% | 474 |
| Net loans and leases to total assets | 36.7800% | 4,158 |
| Net loans and leases to deposits | 42.2083% | 4,157 |
| Net loans and leases to core deposits | 44.2134% | 4,169 |
| Total domestic deposits to total assets | 87.1300% | 1,849 |
| Equity capital to assets | 6.2872% | 3,900 |
| Core capital (leverage) ratio | 12.1503% | 1,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8333% | 443 |
| Memoranda: | ||
| Average total assets | $486,499,500 | 1,758 |
| Average earning assets | $467,221,750 | 1,719 |
| Average equity | $32,411,250 | 2,151 |
| Average total loans | $166,585,500 | 2,555 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8096% | 4,003 |
| Cost of funding earning assets | 0.3067% | 4,303 |
| Net interest margin | 3.5029% | 2,260 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 1.7787% | 4,040 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4095% | 1,304 |
| Return on assets (ROA) | 1.3822% | 1,355 |
| Pretax return on assets | 1.6902% | 1,234 |
| Return on Equity (ROE) | 20.3600% | 671 |
| Retained earnings to average equity (ytd only) | 19.6348% | 258 |
| Net charge-offs to loans | -0.1189% | 4,534 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.7817% | 3,865 |
| Assets per employee ($millions) | 11.3146% | 470 |
| Cash dividends to net income (ytd only)* | 3.5746% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3337% | 1,788 |
| Loan loss allowance to noncurrent loans | 82.7041% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 0.5995% | 899 |
| Noncurrent loans to loans | 1.6126% | 405 |
| Net loans and leases to total assets | 36.6800% | 4,158 |
| Net loans and leases to deposits | 41.1303% | 4,183 |
| Net loans and leases to core deposits | 42.4532% | 4,203 |
| Total domestic deposits to total assets | 89.1800% | 1,183 |
| Equity capital to assets | 7.2089% | 3,684 |
| Core capital (leverage) ratio | 12.0196% | 1,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8461% | 438 |
| Memoranda: | ||
| Average total assets | $485,748,000 | 1,758 |
| Average earning assets | $466,923,333 | 1,721 |
| Average equity | $32,972,000 | 2,142 |
| Average total loans | $161,432,667 | 2,587 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7671% | 3,913 |
| Cost of funding earning assets | 0.1958% | 4,387 |
| Net interest margin | 3.5713% | 2,186 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 1.7017% | 4,195 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5253% | 1,128 |
| Return on assets (ROA) | 1.5253% | 1,109 |
| Pretax return on assets | 1.8620% | 963 |
| Return on Equity (ROE) | 23.1400% | 498 |
| Retained earnings to average equity (ytd only) | 23.1420% | 237 |
| Net charge-offs to loans | 0.0154% | 1,392 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 385.5000% | 288 |
| Efficiency ratio | 47.7406% | 4,097 |
| Assets per employee ($millions) | 13.1899% | 298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3782% | 1,707 |
| Loan loss allowance to noncurrent loans | 75.9240% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 0.5776% | 888 |
| Noncurrent loans to loans | 1.8152% | 337 |
| Net loans and leases to total assets | 31.3800% | 4,340 |
| Net loans and leases to deposits | 33.9293% | 4,381 |
| Net loans and leases to core deposits | 34.8800% | 4,384 |
| Total domestic deposits to total assets | 92.4900% | 400 |
| Equity capital to assets | 7.1326% | 3,769 |
| Core capital (leverage) ratio | 10.8420% | 1,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9733% | 394 |
| Memoranda: | ||
| Average total assets | $496,673,500 | 1,750 |
| Average earning assets | $478,033,000 | 1,711 |
| Average equity | $32,737,000 | 2,173 |
| Average total loans | $155,922,500 | 2,654 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8325% | 4,295 |
| Cost of funding earning assets | 0.1080% | 4,353 |
| Net interest margin | 2.7244% | 4,025 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 1.6574% | 4,235 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9278% | 2,853 |
| Return on assets (ROA) | 0.9278% | 2,795 |
| Pretax return on assets | 1.0991% | 2,774 |
| Return on Equity (ROE) | 12.2900% | 2,038 |
| Retained earnings to average equity (ytd only) | 11.1872% | 843 |
| Net charge-offs to loans | -0.0999% | 4,519 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.1267% | 3,040 |
| Assets per employee ($millions) | 13.6703% | 264 |
| Cash dividends to net income (ytd only)* | 8.9532% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4538% | 1,328 |
| Loan loss allowance to noncurrent loans | 62.6237% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 0.7187% | 662 |
| Noncurrent loans to loans | 2.3215% | 213 |
| Net loans and leases to total assets | 30.5100% | 4,382 |
| Net loans and leases to deposits | 32.5611% | 4,421 |
| Net loans and leases to core deposits | 33.5060% | 4,425 |
| Total domestic deposits to total assets | 93.7000% | 277 |
| Equity capital to assets | 6.0399% | 4,076 |
| Core capital (leverage) ratio | 11.1422% | 1,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2256% | 407 |
| Memoranda: | ||
| Average total assets | $469,481,600 | 1,802 |
| Average earning assets | $452,575,400 | 1,747 |
| Average equity | $35,451,200 | 2,088 |
| Average total loans | $134,173,800 | 2,785 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6362% | 4,360 |
| Cost of funding earning assets | 0.0912% | 4,343 |
| Net interest margin | 2.5451% | 4,171 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 1.5618% | 4,348 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8638% | 3,024 |
| Return on assets (ROA) | 0.8638% | 2,997 |
| Pretax return on assets | 1.0242% | 2,951 |
| Return on Equity (ROE) | 10.8600% | 2,439 |
| Retained earnings to average equity (ytd only) | 10.5376% | 1,184 |
| Net charge-offs to loans | -0.0854% | 4,447 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.3935% | 3,066 |
| Assets per employee ($millions) | 12.3442% | 345 |
| Cash dividends to net income (ytd only)* | 2.9950% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4212% | 1,542 |
| Loan loss allowance to noncurrent loans | 59.4016% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 0.7766% | 643 |
| Noncurrent loans to loans | 2.3926% | 226 |
| Net loans and leases to total assets | 32.0000% | 4,374 |
| Net loans and leases to deposits | 34.1509% | 4,417 |
| Net loans and leases to core deposits | 35.2432% | 4,417 |
| Total domestic deposits to total assets | 93.7000% | 415 |
| Equity capital to assets | 6.0785% | 3,934 |
| Core capital (leverage) ratio | 11.1172% | 1,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0411% | 429 |
| Memoranda: | ||
| Average total assets | $463,819,750 | 1,827 |
| Average earning assets | $447,494,000 | 1,775 |
| Average equity | $36,883,000 | 2,073 |
| Average total loans | $129,627,000 | 2,831 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4381% | 4,432 |
| Cost of funding earning assets | 0.0882% | 4,306 |
| Net interest margin | 2.3498% | 4,281 |
| Noninterest income to average assets | 0.1251% | 4,371 |
| Noninterest expense to average assets | 1.5487% | 4,360 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7272% | 3,218 |
| Return on assets (ROA) | 0.7272% | 3,172 |
| Pretax return on assets | 0.8475% | 3,213 |
| Return on Equity (ROE) | 8.4692% | 2,875 |
| Retained earnings to average equity (ytd only) | 8.0155% | 1,609 |
| Net charge-offs to loans | -0.0442% | 4,192 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6315% | 2,691 |
| Assets per employee ($millions) | 12.6973% | 313 |
| Cash dividends to net income (ytd only)* | 5.3571% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5694% | 1,222 |
| Loan loss allowance to noncurrent loans | 58.4095% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 0.7895% | 658 |
| Noncurrent loans to loans | 2.6868% | 206 |
| Net loans and leases to total assets | 28.9247% | 4,494 |
| Net loans and leases to deposits | 31.0806% | 4,525 |
| Net loans and leases to core deposits | 32.1420% | 4,533 |
| Total domestic deposits to total assets | 93.0635% | 499 |
| Equity capital to assets | 6.7316% | 3,923 |
| Core capital (leverage) ratio | 11.1334% | 1,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0353% | 366 |
| Memoranda: | ||
| Average total assets | $462,067,000 | 1,836 |
| Average earning assets | $446,582,000 | 1,799 |
| Average equity | $39,673,000 | 2,012 |
| Average total loans | $122,081,667 | 2,923 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2459% | 4,502 |
| Cost of funding earning assets | 0.0861% | 4,289 |
| Net interest margin | 2.1597% | 4,388 |
| Noninterest income to average assets | 0.1197% | 4,407 |
| Noninterest expense to average assets | 1.5008% | 4,425 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6243% | 3,316 |
| Return on assets (ROA) | 0.6243% | 3,295 |
| Pretax return on assets | 0.7129% | 3,354 |
| Return on Equity (ROE) | 6.5723% | 3,166 |
| Retained earnings to average equity (ytd only) | 6.5723% | 2,042 |
| Net charge-offs to loans | -0.0069% | 3,456 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7946% | 2,532 |
| Assets per employee ($millions) | 12.6328% | 337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6718% | 1,101 |
| Loan loss allowance to noncurrent loans | 55.4432% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 0.8038% | 689 |
| Noncurrent loans to loans | 3.0153% | 176 |
| Net loans and leases to total assets | 26.2108% | 4,555 |
| Net loans and leases to deposits | 28.6318% | 4,581 |
| Net loans and leases to core deposits | 29.6033% | 4,587 |
| Total domestic deposits to total assets | 91.5445% | 780 |
| Equity capital to assets | 8.2914% | 3,329 |
| Core capital (leverage) ratio | 10.6404% | 1,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4740% | 358 |
| Memoranda: | ||
| Average total assets | $464,550,000 | 1,842 |
| Average earning assets | $450,427,000 | 1,787 |
| Average equity | $44,124,500 | 1,915 |
| Average total loans | $115,961,000 | 2,982 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1397% | 4,639 |
| Cost of funding earning assets | 0.0868% | 4,487 |
| Net interest margin | 2.0529% | 4,571 |
| Noninterest income to average assets | 0.1363% | 4,469 |
| Noninterest expense to average assets | 1.6229% | 4,396 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4593% | 4,166 |
| Return on assets (ROA) | 0.5166% | 4,096 |
| Pretax return on assets | 0.5700% | 4,156 |
| Return on Equity (ROE) | 4.4821% | 4,106 |
| Retained earnings to average equity (ytd only) | 3.9457% | 3,239 |
| Net charge-offs to loans | -0.1600% | 4,674 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1961% | 1,091 |
| Assets per employee ($millions) | 13.5790% | 269 |
| Cash dividends to net income (ytd only)* | 11.9681% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9390% | 673 |
| Loan loss allowance to noncurrent loans | 52.8844% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 0.8523% | 688 |
| Noncurrent loans to loans | 3.6664% | 131 |
| Net loans and leases to total assets | 22.7958% | 4,676 |
| Net loans and leases to deposits | 25.5633% | 4,695 |
| Net loans and leases to core deposits | 26.4160% | 4,695 |
| Total domestic deposits to total assets | 89.1738% | 1,428 |
| Equity capital to assets | 10.7203% | 2,002 |
| Core capital (leverage) ratio | 10.9733% | 1,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3245% | 274 |
| Memoranda: | ||
| Average total assets | $436,684,000 | 1,874 |
| Average earning assets | $424,073,400 | 1,826 |
| Average equity | $50,333,800 | 1,755 |
| Average total loans | $92,502,000 | 3,300 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1731% | 4,722 |
| Cost of funding earning assets | 0.0868% | 4,597 |
| Net interest margin | 2.0863% | 4,630 |
| Noninterest income to average assets | 0.1382% | 4,507 |
| Noninterest expense to average assets | 1.6488% | 4,403 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4579% | 4,286 |
| Return on assets (ROA) | 0.5340% | 4,177 |
| Pretax return on assets | 0.5997% | 4,236 |
| Return on Equity (ROE) | 4.5478% | 4,216 |
| Retained earnings to average equity (ytd only) | 4.3103% | 3,475 |
| Net charge-offs to loans | -0.1291% | 4,695 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2280% | 1,024 |
| Assets per employee ($millions) | 13.3964% | 273 |
| Cash dividends to net income (ytd only)* | 5.2204% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0537% | 578 |
| Loan loss allowance to noncurrent loans | 50.3366% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 0.9073% | 761 |
| Noncurrent loans to loans | 4.0799% | 126 |
| Net loans and leases to total assets | 21.7818% | 4,773 |
| Net loans and leases to deposits | 24.7597% | 4,780 |
| Net loans and leases to core deposits | 25.5945% | 4,782 |
| Total domestic deposits to total assets | 87.9726% | 1,863 |
| Equity capital to assets | 11.6680% | 1,561 |
| Core capital (leverage) ratio | 11.1760% | 1,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.5953% | 238 |
| Memoranda: | ||
| Average total assets | $430,433,500 | 1,911 |
| Average earning assets | $417,762,000 | 1,861 |
| Average equity | $50,543,750 | 1,763 |
| Average total loans | $88,796,000 | 3,399 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0464% | 4,795 |
| Cost of funding earning assets | 0.0865% | 4,658 |
| Net interest margin | 1.9599% | 4,726 |
| Noninterest income to average assets | 0.1294% | 4,557 |
| Noninterest expense to average assets | 1.6748% | 4,398 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3278% | 4,492 |
| Return on assets (ROA) | 0.4468% | 4,346 |
| Pretax return on assets | 0.4853% | 4,405 |
| Return on Equity (ROE) | 3.7970% | 4,366 |
| Retained earnings to average equity (ytd only) | 3.4384% | 3,704 |
| Net charge-offs to loans | -0.0584% | 4,436 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4752% | 637 |
| Assets per employee ($millions) | 12.5469% | 312 |
| Cash dividends to net income (ytd only)* | 9.4439% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1916% | 433 |
| Loan loss allowance to noncurrent loans | 33.0408% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 1.3891% | 441 |
| Noncurrent loans to loans | 6.6329% | 46 |
| Net loans and leases to total assets | 20.4844% | 4,828 |
| Net loans and leases to deposits | 23.2967% | 4,837 |
| Net loans and leases to core deposits | 24.0972% | 4,838 |
| Total domestic deposits to total assets | 87.9283% | 1,869 |
| Equity capital to assets | 11.7670% | 1,475 |
| Core capital (leverage) ratio | 11.0737% | 1,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.1688% | 214 |
| Memoranda: | ||
| Average total assets | $426,551,000 | 1,920 |
| Average earning assets | $413,806,667 | 1,867 |
| Average equity | $50,197,667 | 1,767 |
| Average total loans | $85,624,000 | 3,463 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0004% | 4,839 |
| Cost of funding earning assets | 0.0850% | 4,725 |
| Net interest margin | 1.9154% | 4,765 |
| Noninterest income to average assets | 0.1229% | 4,581 |
| Noninterest expense to average assets | 1.6768% | 4,419 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2939% | 4,528 |
| Return on assets (ROA) | 0.3479% | 4,482 |
| Pretax return on assets | 0.3611% | 4,540 |
| Return on Equity (ROE) | 2.9563% | 4,479 |
| Retained earnings to average equity (ytd only) | 2.9563% | 3,796 |
| Net charge-offs to loans | -0.0573% | 4,448 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6190% | 564 |
| Assets per employee ($millions) | 13.0939% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2123% | 416 |
| Loan loss allowance to noncurrent loans | 32.3305% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 1.3513% | 512 |
| Noncurrent loans to loans | 6.8428% | 48 |
| Net loans and leases to total assets | 19.3112% | 4,865 |
| Net loans and leases to deposits | 21.8140% | 4,871 |
| Net loans and leases to core deposits | 22.4949% | 4,870 |
| Total domestic deposits to total assets | 88.5265% | 1,593 |
| Equity capital to assets | 11.2322% | 1,696 |
| Core capital (leverage) ratio | 11.0268% | 1,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.8123% | 239 |
| Memoranda: | ||
| Average total assets | $426,530,000 | 1,914 |
| Average earning assets | $413,918,500 | 1,856 |
| Average equity | $50,198,000 | 1,755 |
| Average total loans | $83,764,500 | 3,499 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2759% | 4,884 |
| Cost of funding earning assets | 0.0927% | 4,875 |
| Net interest margin | 2.1832% | 4,770 |
| Noninterest income to average assets | 0.1196% | 4,670 |
| Noninterest expense to average assets | 1.7341% | 4,566 |
| Loan and lease loss provision to assets | 0.0061% | 4,276 |
| Net operating income to assets | 0.4391% | 4,166 |
| Return on assets (ROA) | 0.5583% | 3,976 |
| Pretax return on assets | 0.6279% | 4,021 |
| Return on Equity (ROE) | 4.6843% | 3,981 |
| Retained earnings to average equity (ytd only) | 4.1346% | 2,742 |
| Net charge-offs to loans | -0.3285% | 4,923 |
| Credit loss provision to net charge-offs | -11.4679% | 3,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6173% | 1,065 |
| Assets per employee ($millions) | 11.3296% | 374 |
| Cash dividends to net income (ytd only)* | 11.7340% | 3,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4280% | 287 |
| Loan loss allowance to noncurrent loans | 40.0207% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 1.1842% | 740 |
| Noncurrent loans to loans | 6.0669% | 53 |
| Net loans and leases to total assets | 19.0452% | 4,892 |
| Net loans and leases to deposits | 21.7950% | 4,895 |
| Net loans and leases to core deposits | 22.5334% | 4,893 |
| Total domestic deposits to total assets | 87.3831% | 1,751 |
| Equity capital to assets | 12.3548% | 1,392 |
| Core capital (leverage) ratio | 11.7496% | 1,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2445% | 378 |
| Memoranda: | ||
| Average total assets | $412,147,400 | 1,821 |
| Average earning assets | $399,181,800 | 1,771 |
| Average equity | $49,121,800 | 1,723 |
| Average total loans | $66,359,800 | 3,803 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3801% | 4,921 |
| Cost of funding earning assets | 0.0940% | 4,930 |
| Net interest margin | 2.2862% | 4,784 |
| Noninterest income to average assets | 0.1165% | 4,694 |
| Noninterest expense to average assets | 1.7240% | 4,598 |
| Loan and lease loss provision to assets | 0.0080% | 4,194 |
| Net operating income to assets | 0.5196% | 3,980 |
| Return on assets (ROA) | 0.6047% | 3,851 |
| Pretax return on assets | 0.6963% | 3,910 |
| Return on Equity (ROE) | 5.1196% | 3,861 |
| Retained earnings to average equity (ytd only) | 4.8737% | 2,621 |
| Net charge-offs to loans | -0.1353% | 4,871 |
| Credit loss provision to net charge-offs | -39.0625% | 3,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9720% | 1,406 |
| Assets per employee ($millions) | 10.6584% | 414 |
| Cash dividends to net income (ytd only)* | 4.8026% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5011% | 228 |
| Loan loss allowance to noncurrent loans | 36.3655% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 1.2724% | 759 |
| Noncurrent loans to loans | 6.8775% | 58 |
| Net loans and leases to total assets | 17.5857% | 4,944 |
| Net loans and leases to deposits | 20.2845% | 4,947 |
| Net loans and leases to core deposits | 21.0017% | 4,949 |
| Total domestic deposits to total assets | 86.6952% | 1,774 |
| Equity capital to assets | 12.8733% | 1,240 |
| Core capital (leverage) ratio | 11.4862% | 1,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.6018% | 169 |
| Memoranda: | ||
| Average total assets | $413,217,500 | 1,801 |
| Average earning assets | $400,193,750 | 1,744 |
| Average equity | $48,804,500 | 1,722 |
| Average total loans | $63,046,750 | 3,882 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4615% | 4,973 |
| Cost of funding earning assets | 0.0930% | 4,983 |
| Net interest margin | 2.3685% | 4,811 |
| Noninterest income to average assets | 0.1116% | 4,736 |
| Noninterest expense to average assets | 1.6720% | 4,710 |
| Loan and lease loss provision to assets | 0.0119% | 4,072 |
| Net operating income to assets | 0.6283% | 3,644 |
| Return on assets (ROA) | 0.7237% | 3,414 |
| Pretax return on assets | 0.8315% | 3,504 |
| Return on Equity (ROE) | 6.3053% | 3,397 |
| Retained earnings to average equity (ytd only) | 5.9314% | 2,113 |
| Net charge-offs to loans | -0.1458% | 4,905 |
| Credit loss provision to net charge-offs | -56.8182% | 3,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5006% | 2,019 |
| Assets per employee ($millions) | 11.5796% | 345 |
| Cash dividends to net income (ytd only)* | 5.9289% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8136% | 163 |
| Loan loss allowance to noncurrent loans | 35.4923% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 1.2191% | 888 |
| Noncurrent loans to loans | 7.9274% | 43 |
| Net loans and leases to total assets | 14.5750% | 4,991 |
| Net loans and leases to deposits | 16.7034% | 5,000 |
| Net loans and leases to core deposits | 17.2572% | 4,993 |
| Total domestic deposits to total assets | 87.2575% | 1,521 |
| Equity capital to assets | 12.2469% | 1,514 |
| Core capital (leverage) ratio | 11.2312% | 1,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.2129% | 162 |
| Memoranda: | ||
| Average total assets | $419,503,333 | 1,753 |
| Average earning assets | $406,335,000 | 1,685 |
| Average equity | $48,150,333 | 1,732 |
| Average total loans | $60,352,333 | 3,939 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6996% | 5,015 |
| Cost of funding earning assets | 0.0952% | 5,045 |
| Net interest margin | 2.6044% | 4,752 |
| Noninterest income to average assets | 0.1188% | 4,759 |
| Noninterest expense to average assets | 1.5779% | 4,871 |
| Loan and lease loss provision to assets | 0.0238% | 3,504 |
| Net operating income to assets | 0.8881% | 2,559 |
| Return on assets (ROA) | 0.9439% | 2,470 |
| Pretax return on assets | 1.1064% | 2,497 |
| Return on Equity (ROE) | 8.5055% | 2,309 |
| Retained earnings to average equity (ytd only) | 8.5055% | 1,100 |
| Net charge-offs to loans | -0.1485% | 4,895 |
| Credit loss provision to net charge-offs | -113.6364% | 3,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7122% | 3,777 |
| Assets per employee ($millions) | 13.0233% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9355% | 159 |
| Loan loss allowance to noncurrent loans | 41.3080% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 1.0392% | 1,265 |
| Noncurrent loans to loans | 7.1064% | 57 |
| Net loans and leases to total assets | 13.7818% | 5,042 |
| Net loans and leases to deposits | 15.6596% | 5,047 |
| Net loans and leases to core deposits | 16.1743% | 5,044 |
| Total domestic deposits to total assets | 88.0087% | 1,104 |
| Equity capital to assets | 11.6385% | 2,333 |
| Core capital (leverage) ratio | 10.7874% | 2,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.3460% | 171 |
| Memoranda: | ||
| Average total assets | $420,822,500 | 1,708 |
| Average earning assets | $407,769,000 | 1,642 |
| Average equity | $46,699,000 | 1,767 |
| Average total loans | $59,270,000 | 3,970 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9768% | 5,060 |
| Cost of funding earning assets | 0.0929% | 5,113 |
| Net interest margin | 2.8840% | 4,674 |
| Noninterest income to average assets | 0.1264% | 4,830 |
| Noninterest expense to average assets | 1.8016% | 4,772 |
| Loan and lease loss provision to assets | -0.2570% | 5,136 |
| Net operating income to assets | 1.1668% | 2,189 |
| Return on assets (ROA) | 1.2255% | 2,053 |
| Pretax return on assets | 1.4551% | 1,959 |
| Return on Equity (ROE) | 12.6570% | 1,285 |
| Retained earnings to average equity (ytd only) | 11.5291% | 277 |
| Net charge-offs to loans | -1.4442% | 5,139 |
| Credit loss provision to net charge-offs | 122.9965% | 2,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4926% | 3,452 |
| Assets per employee ($millions) | 13.2781% | 173 |
| Cash dividends to net income (ytd only)* | 8.9109% | 3,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8433% | 147 |
| Loan loss allowance to noncurrent loans | 101.6255% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 0.4206% | 2,713 |
| Noncurrent loans to loans | 2.7978% | 357 |
| Net loans and leases to total assets | 13.5750% | 5,107 |
| Net loans and leases to deposits | 15.2040% | 5,115 |
| Net loans and leases to core deposits | 15.6973% | 5,108 |
| Total domestic deposits to total assets | 89.2857% | 563 |
| Equity capital to assets | 10.5660% | 3,381 |
| Core capital (leverage) ratio | 10.8180% | 2,664 |
| Tier 1 risk-based capital ratio | 34.5994% | 338 |
| Total risk-based capital ratio | 35.8501% | 332 |
| Memoranda: | ||
| Average total assets | $412,073,800 | 1,704 |
| Average earning assets | $400,560,600 | 1,626 |
| Average equity | $39,899,000 | 1,939 |
| Average total loans | $59,617,200 | 3,994 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0477% | 5,137 |
| Cost of funding earning assets | 0.0875% | 5,196 |
| Net interest margin | 2.9602% | 4,680 |
| Noninterest income to average assets | 0.1226% | 4,911 |
| Noninterest expense to average assets | 1.8516% | 4,760 |
| Loan and lease loss provision to assets | -0.2720% | 5,222 |
| Net operating income to assets | 1.1981% | 2,197 |
| Return on assets (ROA) | 1.2356% | 2,154 |
| Pretax return on assets | 1.4671% | 2,053 |
| Return on Equity (ROE) | 13.0708% | 1,259 |
| Retained earnings to average equity (ytd only) | 12.5534% | 322 |
| Net charge-offs to loans | -1.7985% | 5,217 |
| Credit loss provision to net charge-offs | 103.6025% | 2,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6772% | 3,378 |
| Assets per employee ($millions) | 12.3555% | 197 |
| Cash dividends to net income (ytd only)* | 3.9589% | 3,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0865% | 124 |
| Loan loss allowance to noncurrent loans | 111.1311% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.4653% | 2,665 |
| Noncurrent loans to loans | 2.7773% | 383 |
| Net loans and leases to total assets | 14.3009% | 5,185 |
| Net loans and leases to deposits | 16.0697% | 5,188 |
| Net loans and leases to core deposits | 16.2351% | 5,186 |
| Total domestic deposits to total assets | 88.9925% | 612 |
| Equity capital to assets | 10.5420% | 3,508 |
| Core capital (leverage) ratio | 10.7683% | 2,870 |
| Tier 1 risk-based capital ratio | 35.1030% | 341 |
| Total risk-based capital ratio | 36.3565% | 337 |
| Memoranda: | ||
| Average total assets | $408,867,250 | 1,726 |
| Average earning assets | $397,704,500 | 1,644 |
| Average equity | $38,650,000 | 2,001 |
| Average total loans | $59,679,500 | 4,037 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9867% | 5,212 |
| Cost of funding earning assets | 0.0864% | 5,239 |
| Net interest margin | 2.9003% | 4,821 |
| Noninterest income to average assets | 0.1168% | 4,977 |
| Noninterest expense to average assets | 1.6684% | 5,007 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1027% | 2,514 |
| Return on assets (ROA) | 1.1367% | 2,462 |
| Pretax return on assets | 1.3107% | 2,524 |
| Return on Equity (ROE) | 12.5035% | 1,410 |
| Retained earnings to average equity (ytd only) | 11.6971% | 441 |
| Net charge-offs to loans | -0.6620% | 5,240 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7487% | 4,159 |
| Assets per employee ($millions) | 12.1340% | 202 |
| Cash dividends to net income (ytd only)* | 6.4488% | 3,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3549% | 96 |
| Loan loss allowance to noncurrent loans | 124.4325% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.4745% | 2,635 |
| Noncurrent loans to loans | 2.6962% | 405 |
| Net loans and leases to total assets | 14.9854% | 5,233 |
| Net loans and leases to deposits | 16.8024% | 5,236 |
| Net loans and leases to core deposits | 16.9903% | 5,232 |
| Total domestic deposits to total assets | 89.1862% | 596 |
| Equity capital to assets | 10.3406% | 3,655 |
| Core capital (leverage) ratio | 9.9734% | 3,607 |
| Tier 1 risk-based capital ratio | 32.3449% | 409 |
| Total risk-based capital ratio | 33.6008% | 403 |
| Memoranda: | ||
| Average total assets | $409,246,000 | 1,727 |
| Average earning assets | $398,366,670 | 1,638 |
| Average equity | $37,205,670 | 2,050 |
| Average total loans | $59,517,330 | 4,063 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9661% | 5,279 |
| Cost of funding earning assets | 0.0843% | 5,299 |
| Net interest margin | 2.8818% | 4,899 |
| Noninterest income to average assets | 0.1218% | 5,007 |
| Noninterest expense to average assets | 1.6642% | 5,048 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0908% | 2,508 |
| Return on assets (ROA) | 1.0908% | 2,552 |
| Pretax return on assets | 1.2658% | 2,580 |
| Return on Equity (ROE) | 12.8527% | 1,267 |
| Retained earnings to average equity (ytd only) | 12.8527% | 483 |
| Net charge-offs to loans | -0.3778% | 5,245 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7987% | 4,242 |
| Assets per employee ($millions) | 12.5360% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3005% | 99 |
| Loan loss allowance to noncurrent loans | 113.1778% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.4692% | 2,741 |
| Noncurrent loans to loans | 2.9162% | 388 |
| Net loans and leases to total assets | 13.7469% | 5,297 |
| Net loans and leases to deposits | 15.1512% | 5,301 |
| Net loans and leases to core deposits | 15.3121% | 5,300 |
| Total domestic deposits to total assets | 90.7314% | 221 |
| Equity capital to assets | 8.7885% | 4,830 |
| Core capital (leverage) ratio | 10.4287% | 3,134 |
| Tier 1 risk-based capital ratio | 34.4921% | 340 |
| Total risk-based capital ratio | 35.7459% | 332 |
| Memoranda: | ||
| Average total assets | $413,658,000 | 1,720 |
| Average earning assets | $403,088,000 | 1,622 |
| Average equity | $35,105,500 | 2,136 |
| Average total loans | $58,232,000 | 4,127 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8195% | 5,288 |
| Cost of funding earning assets | 0.0653% | 5,347 |
| Net interest margin | 2.7542% | 5,061 |
| Noninterest income to average assets | 0.1944% | 4,738 |
| Noninterest expense to average assets | 1.6830% | 5,112 |
| Loan and lease loss provision to assets | -0.0329% | 5,156 |
| Net operating income to assets | 1.0581% | 2,766 |
| Return on assets (ROA) | 1.0581% | 2,754 |
| Pretax return on assets | 1.2250% | 2,791 |
| Return on Equity (ROE) | 12.6896% | 1,473 |
| Retained earnings to average equity (ytd only) | 11.6719% | 346 |
| Net charge-offs to loans | -0.5034% | 5,341 |
| Credit loss provision to net charge-offs | 39.8754% | 3,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5368% | 4,076 |
| Assets per employee ($millions) | 12.5342% | 175 |
| Cash dividends to net income (ytd only)* | 8.0194% | 3,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2712% | 101 |
| Loan loss allowance to noncurrent loans | 2,167.8161% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0754% | 4,442 |
| Noncurrent loans to loans | 0.1509% | 4,064 |
| Net loans and leases to total assets | 13.4826% | 5,341 |
| Net loans and leases to deposits | 14.7500% | 5,344 |
| Net loans and leases to core deposits | 14.8955% | 5,341 |
| Total domestic deposits to total assets | 91.4078% | 131 |
| Equity capital to assets | 8.1846% | 5,093 |
| Core capital (leverage) ratio | 10.1823% | 3,370 |
| Tier 1 risk-based capital ratio | 33.0720% | 362 |
| Total risk-based capital ratio | 34.3258% | 356 |
| Memoranda: | ||
| Average total assets | $388,897,000 | 1,765 |
| Average earning assets | $378,511,600 | 1,683 |
| Average equity | $32,428,200 | 2,191 |
| Average total loans | $63,769,600 | 4,009 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7921% | 5,356 |
| Cost of funding earning assets | 0.0648% | 5,412 |
| Net interest margin | 2.7273% | 5,146 |
| Noninterest income to average assets | 0.2097% | 4,707 |
| Noninterest expense to average assets | 1.6322% | 5,186 |
| Loan and lease loss provision to assets | 0.0324% | 3,373 |
| Net operating income to assets | 1.0159% | 3,022 |
| Return on assets (ROA) | 1.0159% | 3,033 |
| Pretax return on assets | 1.1984% | 2,992 |
| Return on Equity (ROE) | 12.1225% | 1,750 |
| Retained earnings to average equity (ytd only) | 11.7484% | 514 |
| Net charge-offs to loans | -0.5370% | 5,403 |
| Credit loss provision to net charge-offs | -35.3612% | 4,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0090% | 4,254 |
| Assets per employee ($millions) | 11.6455% | 213 |
| Cash dividends to net income (ytd only)* | 3.0865% | 3,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3776% | 93 |
| Loan loss allowance to noncurrent loans | 59.1684% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 0.9859% | 1,479 |
| Noncurrent loans to loans | 5.7084% | 91 |
| Net loans and leases to total assets | 15.2525% | 5,408 |
| Net loans and leases to deposits | 16.7084% | 5,411 |
| Net loans and leases to core deposits | 16.8739% | 5,409 |
| Total domestic deposits to total assets | 91.2868% | 170 |
| Equity capital to assets | 8.3216% | 5,024 |
| Core capital (leverage) ratio | 10.1109% | 3,507 |
| Tier 1 risk-based capital ratio | 32.8326% | 374 |
| Total risk-based capital ratio | 34.0885% | 371 |
| Memoranda: | ||
| Average total assets | $382,714,000 | 1,791 |
| Average earning assets | $372,325,000 | 1,716 |
| Average equity | $32,071,750 | 2,214 |
| Average total loans | $65,298,500 | 4,014 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7364% | 5,425 |
| Cost of funding earning assets | 0.0645% | 5,466 |
| Net interest margin | 2.6719% | 5,235 |
| Noninterest income to average assets | 0.2423% | 4,562 |
| Noninterest expense to average assets | 1.6045% | 5,261 |
| Loan and lease loss provision to assets | 0.1010% | 1,930 |
| Net operating income to assets | 0.9891% | 3,070 |
| Return on assets (ROA) | 0.9891% | 3,074 |
| Pretax return on assets | 1.1366% | 3,176 |
| Return on Equity (ROE) | 11.7748% | 1,811 |
| Retained earnings to average equity (ytd only) | 11.2141% | 630 |
| Net charge-offs to loans | -0.5326% | 5,442 |
| Credit loss provision to net charge-offs | -108.4270% | 4,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4537% | 4,424 |
| Assets per employee ($millions) | 11.7057% | 205 |
| Cash dividends to net income (ytd only)* | 4.7619% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1764% | 118 |
| Loan loss allowance to noncurrent loans | 50.5511% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 1.1411% | 1,286 |
| Noncurrent loans to loans | 6.2835% | 83 |
| Net loans and leases to total assets | 16.2874% | 5,465 |
| Net loans and leases to deposits | 17.8132% | 5,475 |
| Net loans and leases to core deposits | 18.0455% | 5,475 |
| Total domestic deposits to total assets | 91.4341% | 164 |
| Equity capital to assets | 8.1986% | 5,134 |
| Core capital (leverage) ratio | 10.2434% | 3,297 |
| Tier 1 risk-based capital ratio | 31.4531% | 428 |
| Total risk-based capital ratio | 32.7088% | 423 |
| Memoranda: | ||
| Average total assets | $382,184,330 | 1,806 |
| Average earning assets | $371,874,670 | 1,721 |
| Average equity | $32,102,330 | 2,220 |
| Average total loans | $66,843,000 | 4,003 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6588% | 5,495 |
| Cost of funding earning assets | 0.0649% | 5,523 |
| Net interest margin | 2.5939% | 5,330 |
| Noninterest income to average assets | 0.3325% | 3,928 |
| Noninterest expense to average assets | 1.5794% | 5,336 |
| Loan and lease loss provision to assets | 0.2031% | 818 |
| Net operating income to assets | 0.9144% | 3,229 |
| Return on assets (ROA) | 0.9144% | 3,239 |
| Pretax return on assets | 1.0733% | 3,267 |
| Return on Equity (ROE) | 10.7554% | 2,067 |
| Retained earnings to average equity (ytd only) | 10.7554% | 952 |
| Net charge-offs to loans | -0.4781% | 5,495 |
| Credit loss provision to net charge-offs | -238.2716% | 3,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3058% | 4,663 |
| Assets per employee ($millions) | 12.4211% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9758% | 159 |
| Loan loss allowance to noncurrent loans | 32.4855% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 1.6569% | 795 |
| Noncurrent loans to loans | 9.1604% | 31 |
| Net loans and leases to total assets | 16.6556% | 5,522 |
| Net loans and leases to deposits | 18.2100% | 5,531 |
| Net loans and leases to core deposits | 18.4481% | 5,529 |
| Total domestic deposits to total assets | 91.4638% | 193 |
| Equity capital to assets | 8.1698% | 5,192 |
| Core capital (leverage) ratio | 10.0168% | 3,515 |
| Tier 1 risk-based capital ratio | 29.2057% | 505 |
| Total risk-based capital ratio | 30.4590% | 501 |
| Memoranda: | ||
| Average total assets | $380,133,000 | 1,825 |
| Average earning assets | $369,790,500 | 1,743 |
| Average equity | $32,318,500 | 2,217 |
| Average total loans | $67,774,500 | 4,016 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8146% | 5,454 |
| Cost of funding earning assets | 0.0794% | 5,552 |
| Net interest margin | 2.7352% | 5,242 |
| Noninterest income to average assets | 0.1943% | 4,980 |
| Noninterest expense to average assets | 1.8316% | 5,214 |
| Loan and lease loss provision to assets | 0.8496% | 136 |
| Net operating income to assets | 0.1991% | 5,112 |
| Return on assets (ROA) | 0.2421% | 5,045 |
| Pretax return on assets | 0.2012% | 5,311 |
| Return on Equity (ROE) | 2.5145% | 4,947 |
| Retained earnings to average equity (ytd only) | 1.7111% | 4,282 |
| Net charge-offs to loans | 3.9049% | 26 |
| Credit loss provision to net charge-offs | 88.8256% | 2,810 |
| Earnings coverage of net charge-offs (x) | 1.0536% | 3,932 |
| Efficiency ratio | 64.5070% | 3,530 |
| Assets per employee ($millions) | 12.9383% | 147 |
| Cash dividends to net income (ytd only)* | 31.9527% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4378% | 267 |
| Loan loss allowance to noncurrent loans | 27.1140% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 1.9616% | 579 |
| Noncurrent loans to loans | 8.9908% | 32 |
| Net loans and leases to total assets | 18.0581% | 5,579 |
| Net loans and leases to deposits | 19.8792% | 5,592 |
| Net loans and leases to core deposits | 20.1328% | 5,591 |
| Total domestic deposits to total assets | 90.8388% | 283 |
| Equity capital to assets | 8.8427% | 4,860 |
| Core capital (leverage) ratio | 10.2507% | 3,129 |
| Tier 1 risk-based capital ratio | 21.3076% | 1,096 |
| Total risk-based capital ratio | 22.3048% | 1,113 |
| Memoranda: | ||
| Average total assets | $348,986,000 | 1,923 |
| Average earning assets | $337,494,000 | 1,855 |
| Average equity | $33,605,000 | 2,146 |
| Average total loans | $85,482,400 | 3,622 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8838% | 5,488 |
| Cost of funding earning assets | 0.0814% | 5,616 |
| Net interest margin | 2.8023% | 5,211 |
| Noninterest income to average assets | 0.1908% | 5,059 |
| Noninterest expense to average assets | 1.8444% | 5,213 |
| Loan and lease loss provision to assets | 1.1545% | 85 |
| Net operating income to assets | 0.1019% | 5,443 |
| Return on assets (ROA) | 0.1398% | 5,415 |
| Pretax return on assets | -0.0424% | 5,527 |
| Return on Equity (ROE) | 1.4198% | 5,384 |
| Retained earnings to average equity (ytd only) | 1.0639% | 4,956 |
| Net charge-offs to loans | 4.8749% | 18 |
| Credit loss provision to net charge-offs | 90.6174% | 2,453 |
| Earnings coverage of net charge-offs (x) | 0.8264% | 3,630 |
| Efficiency ratio | 63.6608% | 3,616 |
| Assets per employee ($millions) | 11.2538% | 217 |
| Cash dividends to net income (ytd only)* | 25.0705% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1181% | 469 |
| Loan loss allowance to noncurrent loans | 32.7866% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 2.0045% | 643 |
| Noncurrent loans to loans | 6.4604% | 88 |
| Net loans and leases to total assets | 23.2999% | 5,615 |
| Net loans and leases to deposits | 26.0478% | 5,626 |
| Net loans and leases to core deposits | 26.3887% | 5,630 |
| Total domestic deposits to total assets | 89.4507% | 674 |
| Equity capital to assets | 9.8768% | 4,053 |
| Core capital (leverage) ratio | 10.8206% | 2,622 |
| Tier 1 risk-based capital ratio | 22.2056% | 1,024 |
| Total risk-based capital ratio | 23.2939% | 1,026 |
| Memoranda: | ||
| Average total assets | $342,429,500 | 1,967 |
| Average earning assets | $330,716,750 | 1,899 |
| Average equity | $33,711,500 | 2,159 |
| Average total loans | $89,490,750 | 3,566 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9347% | 5,484 |
| Cost of funding earning assets | 0.0810% | 5,653 |
| Net interest margin | 2.8537% | 5,160 |
| Noninterest income to average assets | 0.1552% | 5,282 |
| Noninterest expense to average assets | 1.6292% | 5,470 |
| Loan and lease loss provision to assets | 0.6683% | 169 |
| Net operating income to assets | 0.5858% | 4,366 |
| Return on assets (ROA) | 0.6389% | 4,179 |
| Pretax return on assets | 0.6671% | 4,642 |
| Return on Equity (ROE) | 6.4967% | 3,823 |
| Retained earnings to average equity (ytd only) | 5.9588% | 2,144 |
| Net charge-offs to loans | 2.8481% | 48 |
| Credit loss provision to net charge-offs | 87.1264% | 2,178 |
| Earnings coverage of net charge-offs (x) | 1.6690% | 3,261 |
| Efficiency ratio | 56.0000% | 4,829 |
| Assets per employee ($millions) | 10.6212% | 257 |
| Cash dividends to net income (ytd only)* | 8.2797% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1998% | 437 |
| Loan loss allowance to noncurrent loans | 64.1000% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 1.3151% | 1,250 |
| Noncurrent loans to loans | 3.4318% | 339 |
| Net loans and leases to total assets | 25.6284% | 5,618 |
| Net loans and leases to deposits | 28.9193% | 5,645 |
| Net loans and leases to core deposits | 29.3142% | 5,654 |
| Total domestic deposits to total assets | 88.6204% | 1,147 |
| Equity capital to assets | 10.6789% | 3,147 |
| Core capital (leverage) ratio | 11.1627% | 2,267 |
| Tier 1 risk-based capital ratio | 24.7242% | 781 |
| Total risk-based capital ratio | 25.9749% | 759 |
| Memoranda: | ||
| Average total assets | $340,283,330 | 1,979 |
| Average earning assets | $328,413,000 | 1,913 |
| Average equity | $33,463,000 | 2,166 |
| Average total loans | $91,639,330 | 3,547 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8985% | 5,540 |
| Cost of funding earning assets | 0.0792% | 5,720 |
| Net interest margin | 2.8193% | 5,211 |
| Noninterest income to average assets | 0.1585% | 5,328 |
| Noninterest expense to average assets | 1.4436% | 5,667 |
| Loan and lease loss provision to assets | 0.9104% | 99 |
| Net operating income to assets | 0.4577% | 4,747 |
| Return on assets (ROA) | 0.4939% | 4,646 |
| Pretax return on assets | 0.5645% | 4,806 |
| Return on Equity (ROE) | 5.2370% | 4,284 |
| Retained earnings to average equity (ytd only) | 5.2370% | 2,762 |
| Net charge-offs to loans | 2.7481% | 61 |
| Credit loss provision to net charge-offs | 121.4506% | 1,389 |
| Earnings coverage of net charge-offs (x) | 1.9120% | 2,664 |
| Efficiency ratio | 50.1809% | 5,366 |
| Assets per employee ($millions) | 10.8236% | 235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3656% | 368 |
| Loan loss allowance to noncurrent loans | 56.3650% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 1.5739% | 990 |
| Noncurrent loans to loans | 4.1970% | 238 |
| Net loans and leases to total assets | 27.1226% | 5,647 |
| Net loans and leases to deposits | 30.3374% | 5,676 |
| Net loans and leases to core deposits | 30.7402% | 5,682 |
| Total domestic deposits to total assets | 89.4031% | 945 |
| Equity capital to assets | 9.8962% | 3,878 |
| Core capital (leverage) ratio | 10.7617% | 2,631 |
| Tier 1 risk-based capital ratio | 23.5778% | 909 |
| Total risk-based capital ratio | 24.8298% | 891 |
| Memoranda: | ||
| Average total assets | $345,797,000 | 1,960 |
| Average earning assets | $333,411,500 | 1,892 |
| Average equity | $32,614,000 | 2,210 |
| Average total loans | $94,318,500 | 3,509 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8666% | 5,605 |
| Cost of funding earning assets | 0.0829% | 5,768 |
| Net interest margin | 2.7838% | 5,318 |
| Noninterest income to average assets | 0.1603% | 5,409 |
| Noninterest expense to average assets | 1.4184% | 5,765 |
| Loan and lease loss provision to assets | 0.3778% | 430 |
| Net operating income to assets | 0.8415% | 3,103 |
| Return on assets (ROA) | 0.9533% | 2,673 |
| Pretax return on assets | 1.2127% | 2,612 |
| Return on Equity (ROE) | 10.2616% | 1,859 |
| Retained earnings to average equity (ytd only) | 9.4677% | 504 |
| Net charge-offs to loans | 0.6207% | 368 |
| Credit loss provision to net charge-offs | 226.3502% | 1,268 |
| Earnings coverage of net charge-offs (x) | 8.6825% | 2,846 |
| Efficiency ratio | 49.4666% | 5,509 |
| Assets per employee ($millions) | 11.4859% | 198 |
| Cash dividends to net income (ytd only)* | 7.7364% | 4,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1650% | 488 |
| Loan loss allowance to noncurrent loans | 48.8185% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 1.3512% | 1,283 |
| Noncurrent loans to loans | 4.4348% | 210 |
| Net loans and leases to total assets | 26.2204% | 5,726 |
| Net loans and leases to deposits | 29.0126% | 5,748 |
| Net loans and leases to core deposits | 29.3713% | 5,760 |
| Total domestic deposits to total assets | 90.3761% | 485 |
| Equity capital to assets | 8.9937% | 4,828 |
| Core capital (leverage) ratio | 10.1526% | 3,299 |
| Tier 1 risk-based capital ratio | 22.0449% | 1,076 |
| Total risk-based capital ratio | 23.2955% | 1,046 |
| Memoranda: | ||
| Average total assets | $366,110,600 | 1,826 |
| Average earning assets | $356,030,200 | 1,744 |
| Average equity | $34,010,200 | 2,131 |
| Average total loans | $98,438,400 | 3,416 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8602% | 5,683 |
| Cost of funding earning assets | 0.0838% | 5,832 |
| Net interest margin | 2.7764% | 5,394 |
| Noninterest income to average assets | 0.1577% | 5,483 |
| Noninterest expense to average assets | 1.3459% | 5,845 |
| Loan and lease loss provision to assets | 0.5002% | 249 |
| Net operating income to assets | 0.7121% | 3,780 |
| Return on assets (ROA) | 0.8225% | 3,403 |
| Pretax return on assets | 1.1770% | 2,930 |
| Return on Equity (ROE) | 8.7864% | 2,614 |
| Retained earnings to average equity (ytd only) | 8.4387% | 1,000 |
| Net charge-offs to loans | 0.7917% | 227 |
| Credit loss provision to net charge-offs | 234.8048% | 1,254 |
| Earnings coverage of net charge-offs (x) | 7.1325% | 2,912 |
| Efficiency ratio | 46.9705% | 5,631 |
| Assets per employee ($millions) | 11.5304% | 190 |
| Cash dividends to net income (ytd only)* | 3.9579% | 3,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1874% | 533 |
| Loan loss allowance to noncurrent loans | 54.7888% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 1.2282% | 1,610 |
| Noncurrent loans to loans | 3.9924% | 274 |
| Net loans and leases to total assets | 26.1212% | 5,795 |
| Net loans and leases to deposits | 29.2888% | 5,820 |
| Net loans and leases to core deposits | 29.6541% | 5,827 |
| Total domestic deposits to total assets | 89.1851% | 806 |
| Equity capital to assets | 10.1622% | 3,963 |
| Core capital (leverage) ratio | 9.6779% | 3,964 |
| Tier 1 risk-based capital ratio | 22.3831% | 1,080 |
| Total risk-based capital ratio | 23.6341% | 1,063 |
| Memoranda: | ||
| Average total assets | $368,622,750 | 1,817 |
| Average earning assets | $359,502,250 | 1,726 |
| Average equity | $34,507,000 | 2,115 |
| Average total loans | $99,191,250 | 3,408 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8769% | 5,751 |
| Cost of funding earning assets | 0.0865% | 5,905 |
| Net interest margin | 2.7904% | 5,436 |
| Noninterest income to average assets | 0.1649% | 5,496 |
| Noninterest expense to average assets | 1.3138% | 5,937 |
| Loan and lease loss provision to assets | 0.4770% | 282 |
| Net operating income to assets | 0.8586% | 3,055 |
| Return on assets (ROA) | 0.9566% | 2,740 |
| Pretax return on assets | 1.2214% | 2,698 |
| Return on Equity (ROE) | 10.5070% | 1,845 |
| Retained earnings to average equity (ytd only) | 9.9760% | 604 |
| Net charge-offs to loans | 0.2230% | 1,048 |
| Credit loss provision to net charge-offs | 792.8571% | 453 |
| Earnings coverage of net charge-offs (x) | 26.1429% | 1,496 |
| Efficiency ratio | 45.5154% | 5,773 |
| Assets per employee ($millions) | 11.7891% | 165 |
| Cash dividends to net income (ytd only)* | 5.0533% | 3,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0671% | 649 |
| Loan loss allowance to noncurrent loans | 170.0904% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.4734% | 3,635 |
| Noncurrent loans to loans | 1.2153% | 1,891 |
| Net loans and leases to total assets | 26.8346% | 5,853 |
| Net loans and leases to deposits | 29.9262% | 5,886 |
| Net loans and leases to core deposits | 30.3064% | 5,890 |
| Total domestic deposits to total assets | 89.6692% | 603 |
| Equity capital to assets | 9.7378% | 4,520 |
| Core capital (leverage) ratio | 9.3235% | 4,427 |
| Tier 1 risk-based capital ratio | 21.7617% | 1,162 |
| Total risk-based capital ratio | 23.0124% | 1,147 |
| Memoranda: | ||
| Average total assets | $372,350,000 | 1,801 |
| Average earning assets | $363,173,670 | 1,717 |
| Average equity | $33,901,330 | 2,156 |
| Average total loans | $100,436,330 | 3,401 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9049% | 5,778 |
| Cost of funding earning assets | 0.0906% | 5,951 |
| Net interest margin | 2.8143% | 5,449 |
| Noninterest income to average assets | 0.1703% | 5,473 |
| Noninterest expense to average assets | 1.3220% | 5,990 |
| Loan and lease loss provision to assets | 0.2129% | 913 |
| Net operating income to assets | 1.0818% | 1,979 |
| Return on assets (ROA) | 1.1549% | 1,812 |
| Pretax return on assets | 1.4721% | 1,680 |
| Return on Equity (ROE) | 13.1284% | 1,008 |
| Retained earnings to average equity (ytd only) | 13.1284% | 379 |
| Net charge-offs to loans | 0.1988% | 1,002 |
| Credit loss provision to net charge-offs | 400.0000% | 706 |
| Earnings coverage of net charge-offs (x) | 29.9000% | 1,185 |
| Efficiency ratio | 45.3782% | 5,835 |
| Assets per employee ($millions) | 11.6660% | 171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4413% | 2,241 |
| Loan loss allowance to noncurrent loans | 445.6790% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.2242% | 4,664 |
| Noncurrent loans to loans | 0.3234% | 4,275 |
| Net loans and leases to total assets | 26.4510% | 5,912 |
| Net loans and leases to deposits | 29.3293% | 5,939 |
| Net loans and leases to core deposits | 29.8228% | 5,948 |
| Total domestic deposits to total assets | 90.1863% | 530 |
| Equity capital to assets | 9.2410% | 4,948 |
| Core capital (leverage) ratio | 9.1134% | 4,717 |
| Tier 1 risk-based capital ratio | 18.9439% | 1,748 |
| Total risk-based capital ratio | 19.7622% | 1,808 |
| Memoranda: | ||
| Average total assets | $375,794,500 | 1,785 |
| Average earning assets | $366,272,000 | 1,697 |
| Average equity | $33,058,000 | 2,192 |
| Average total loans | $100,584,500 | 3,413 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8605% | 5,845 |
| Cost of funding earning assets | 0.1006% | 5,959 |
| Net interest margin | 2.7599% | 5,581 |
| Noninterest income to average assets | 0.1808% | 5,507 |
| Noninterest expense to average assets | 1.3362% | 6,064 |
| Loan and lease loss provision to assets | 0.0238% | 3,909 |
| Net operating income to assets | 1.1241% | 1,821 |
| Return on assets (ROA) | 1.1241% | 1,888 |
| Pretax return on assets | 1.5040% | 1,545 |
| Return on Equity (ROE) | 15.8363% | 573 |
| Retained earnings to average equity (ytd only) | 14.8880% | 136 |
| Net charge-offs to loans | 0.0645% | 2,936 |
| Credit loss provision to net charge-offs | 141.2698% | 1,861 |
| Earnings coverage of net charge-offs (x) | 90.7778% | 628 |
| Efficiency ratio | 46.6561% | 5,892 |
| Assets per employee ($millions) | 11.4629% | 176 |
| Cash dividends to net income (ytd only)* | 5.9886% | 4,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2814% | 3,010 |
| Loan loss allowance to noncurrent loans | 548.3051% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.1980% | 4,804 |
| Noncurrent loans to loans | 0.2337% | 4,588 |
| Net loans and leases to total assets | 26.3527% | 5,968 |
| Net loans and leases to deposits | 28.9113% | 6,006 |
| Net loans and leases to core deposits | 29.3860% | 6,013 |
| Total domestic deposits to total assets | 91.1504% | 249 |
| Equity capital to assets | 8.3584% | 5,662 |
| Core capital (leverage) ratio | 8.8936% | 5,010 |
| Tier 1 risk-based capital ratio | 19.5099% | 1,584 |
| Total risk-based capital ratio | 20.2914% | 1,653 |
| Memoranda: | ||
| Average total assets | $374,346,600 | 1,752 |
| Average earning assets | $363,920,200 | 1,665 |
| Average equity | $26,571,800 | 2,590 |
| Average total loans | $97,729,800 | 3,424 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8333% | 5,937 |
| Cost of funding earning assets | 0.1029% | 6,046 |
| Net interest margin | 2.7304% | 5,690 |
| Noninterest income to average assets | 0.1789% | 5,580 |
| Noninterest expense to average assets | 1.2759% | 6,154 |
| Loan and lease loss provision to assets | 0.0100% | 4,069 |
| Net operating income to assets | 1.1638% | 1,781 |
| Return on assets (ROA) | 1.1638% | 1,849 |
| Pretax return on assets | 1.5470% | 1,547 |
| Return on Equity (ROE) | 17.1678% | 459 |
| Retained earnings to average equity (ytd only) | 16.7886% | 110 |
| Net charge-offs to loans | 0.0385% | 3,124 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 155.7244% | 451 |
| Efficiency ratio | 45.0397% | 6,001 |
| Assets per employee ($millions) | 11.3213% | 179 |
| Cash dividends to net income (ytd only)* | 2.2093% | 3,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2559% | 3,334 |
| Loan loss allowance to noncurrent loans | 128.0808% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 0.4023% | 4,165 |
| Noncurrent loans to loans | 0.9806% | 2,534 |
| Net loans and leases to total assets | 26.6839% | 6,052 |
| Net loans and leases to deposits | 28.9028% | 6,090 |
| Net loans and leases to core deposits | 29.3554% | 6,098 |
| Total domestic deposits to total assets | 92.3229% | 78 |
| Equity capital to assets | 7.3439% | 6,098 |
| Core capital (leverage) ratio | 7.2333% | 6,100 |
| Tier 1 risk-based capital ratio | 17.6854% | 2,121 |
| Total risk-based capital ratio | 18.5262% | 2,221 |
| Memoranda: | ||
| Average total assets | $373,364,250 | 1,773 |
| Average earning assets | $362,917,000 | 1,683 |
| Average equity | $25,310,250 | 2,691 |
| Average total loans | $96,917,250 | 3,472 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8112% | 6,008 |
| Cost of funding earning assets | 0.1044% | 6,115 |
| Net interest margin | 2.7068% | 5,756 |
| Noninterest income to average assets | 0.1806% | 5,609 |
| Noninterest expense to average assets | 1.2757% | 6,230 |
| Loan and lease loss provision to assets | 0.0059% | 3,981 |
| Net operating income to assets | 1.1541% | 1,765 |
| Return on assets (ROA) | 1.1541% | 1,830 |
| Pretax return on assets | 1.5254% | 1,570 |
| Return on Equity (ROE) | 17.5112% | 450 |
| Retained earnings to average equity (ytd only) | 16.9259% | 128 |
| Net charge-offs to loans | 0.0146% | 3,425 |
| Credit loss provision to net charge-offs | 157.1429% | 1,487 |
| Earnings coverage of net charge-offs (x) | 408.2857% | 160 |
| Efficiency ratio | 45.4476% | 6,060 |
| Assets per employee ($millions) | 11.7600% | 157 |
| Cash dividends to net income (ytd only)* | 3.3426% | 3,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3141% | 3,165 |
| Loan loss allowance to noncurrent loans | 328.6822% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.2469% | 4,887 |
| Noncurrent loans to loans | 0.3998% | 4,281 |
| Net loans and leases to total assets | 26.2021% | 6,130 |
| Net loans and leases to deposits | 28.2479% | 6,165 |
| Net loans and leases to core deposits | 28.6257% | 6,176 |
| Total domestic deposits to total assets | 92.7576% | 67 |
| Equity capital to assets | 6.9185% | 6,204 |
| Core capital (leverage) ratio | 6.9816% | 6,194 |
| Tier 1 risk-based capital ratio | 17.4408% | 2,237 |
| Total risk-based capital ratio | 18.3147% | 2,322 |
| Memoranda: | ||
| Average total assets | $373,284,330 | 1,784 |
| Average earning assets | $362,193,330 | 1,690 |
| Average equity | $24,601,330 | 2,758 |
| Average total loans | $95,569,670 | 3,524 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7416% | 6,106 |
| Cost of funding earning assets | 0.1025% | 6,194 |
| Net interest margin | 2.6391% | 5,878 |
| Noninterest income to average assets | 0.1790% | 5,644 |
| Noninterest expense to average assets | 1.2562% | 6,301 |
| Loan and lease loss provision to assets | 0.0117% | 3,576 |
| Net operating income to assets | 1.1164% | 1,809 |
| Return on assets (ROA) | 1.1164% | 1,914 |
| Pretax return on assets | 1.4755% | 1,644 |
| Return on Equity (ROE) | 17.3562% | 444 |
| Retained earnings to average equity (ytd only) | 17.3562% | 165 |
| Net charge-offs to loans | 0.0126% | 2,936 |
| Credit loss provision to net charge-offs | 366.6667% | 710 |
| Earnings coverage of net charge-offs (x) | 468.0000% | 119 |
| Efficiency ratio | 45.7915% | 6,112 |
| Assets per employee ($millions) | 12.2503% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3221% | 3,297 |
| Loan loss allowance to noncurrent loans | 733.3333% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.1809% | 5,229 |
| Noncurrent loans to loans | 0.1803% | 5,134 |
| Net loans and leases to total assets | 25.0780% | 6,193 |
| Net loans and leases to deposits | 26.9566% | 6,236 |
| Net loans and leases to core deposits | 27.3015% | 6,246 |
| Total domestic deposits to total assets | 93.0311% | 58 |
| Equity capital to assets | 6.6342% | 6,296 |
| Core capital (leverage) ratio | 6.6928% | 6,270 |
| Tier 1 risk-based capital ratio | 16.6355% | 2,620 |
| Total risk-based capital ratio | 17.5050% | 2,743 |
| Memoranda: | ||
| Average total assets | $377,647,000 | 1,764 |
| Average earning assets | $366,941,500 | 1,681 |
| Average equity | $24,291,000 | 2,799 |
| Average total loans | $94,957,500 | 3,546 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9669% | 6,081 |
| Cost of funding earning assets | 0.1276% | 6,211 |
| Net interest margin | 2.8393% | 5,750 |
| Noninterest income to average assets | 0.2266% | 5,504 |
| Noninterest expense to average assets | 1.3902% | 6,360 |
| Loan and lease loss provision to assets | 0.0600% | 3,325 |
| Net operating income to assets | 1.1600% | 1,719 |
| Return on assets (ROA) | 1.1636% | 1,778 |
| Pretax return on assets | 1.5084% | 1,511 |
| Return on Equity (ROE) | 18.6785% | 343 |
| Retained earnings to average equity (ytd only) | 17.6109% | 93 |
| Net charge-offs to loans | 0.0446% | 3,934 |
| Credit loss provision to net charge-offs | 527.0270% | 504 |
| Earnings coverage of net charge-offs (x) | 137.2703% | 389 |
| Efficiency ratio | 47.0607% | 6,223 |
| Assets per employee ($millions) | 12.5178% | 127 |
| Cash dividends to net income (ytd only)* | 5.7158% | 4,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3576% | 3,143 |
| Loan loss allowance to noncurrent loans | 708.3799% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.1843% | 5,294 |
| Noncurrent loans to loans | 0.1916% | 5,136 |
| Net loans and leases to total assets | 24.5343% | 6,304 |
| Net loans and leases to deposits | 26.2284% | 6,343 |
| Net loans and leases to core deposits | 26.5659% | 6,349 |
| Total domestic deposits to total assets | 93.5409% | 48 |
| Equity capital to assets | 6.2279% | 6,398 |
| Core capital (leverage) ratio | 6.7788% | 6,339 |
| Tier 1 risk-based capital ratio | 16.0346% | 2,945 |
| Total risk-based capital ratio | 16.8844% | 3,097 |
| Memoranda: | ||
| Average total assets | $324,781,400 | 2,000 |
| Average earning assets | $311,979,200 | 1,919 |
| Average equity | $20,231,800 | 3,141 |
| Average total loans | $83,051,000 | 3,796 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0198% | 6,120 |
| Cost of funding earning assets | 0.1347% | 6,265 |
| Net interest margin | 2.8852% | 5,732 |
| Noninterest income to average assets | 0.2140% | 5,651 |
| Noninterest expense to average assets | 1.4068% | 6,401 |
| Loan and lease loss provision to assets | 0.0624% | 3,109 |
| Net operating income to assets | 1.1690% | 1,801 |
| Return on assets (ROA) | 1.1740% | 1,853 |
| Pretax return on assets | 1.5153% | 1,597 |
| Return on Equity (ROE) | 18.8446% | 367 |
| Retained earnings to average equity (ytd only) | 18.3509% | 101 |
| Net charge-offs to loans | 0.0580% | 3,386 |
| Credit loss provision to net charge-offs | 417.1429% | 672 |
| Earnings coverage of net charge-offs (x) | 105.0756% | 566 |
| Efficiency ratio | 47.2386% | 6,236 |
| Assets per employee ($millions) | 10.8479% | 190 |
| Cash dividends to net income (ytd only)* | 2.6202% | 3,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3970% | 3,194 |
| Loan loss allowance to noncurrent loans | 598.5294% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.2446% | 5,248 |
| Noncurrent loans to loans | 0.2334% | 5,201 |
| Net loans and leases to total assets | 26.4812% | 6,348 |
| Net loans and leases to deposits | 28.4442% | 6,387 |
| Net loans and leases to core deposits | 28.8913% | 6,399 |
| Total domestic deposits to total assets | 93.0988% | 74 |
| Equity capital to assets | 6.5509% | 6,439 |
| Core capital (leverage) ratio | 7.1958% | 6,355 |
| Tier 1 risk-based capital ratio | 16.9735% | 2,631 |
| Total risk-based capital ratio | 17.8731% | 2,715 |
| Memoranda: | ||
| Average total assets | $312,093,000 | 2,096 |
| Average earning assets | $298,994,250 | 2,015 |
| Average equity | $19,442,750 | 3,236 |
| Average total loans | $80,463,000 | 3,888 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0195% | 6,154 |
| Cost of funding earning assets | 0.1352% | 6,335 |
| Net interest margin | 2.8843% | 5,762 |
| Noninterest income to average assets | 0.2132% | 5,675 |
| Noninterest expense to average assets | 1.4211% | 6,458 |
| Loan and lease loss provision to assets | 0.0208% | 3,854 |
| Net operating income to assets | 1.1873% | 1,630 |
| Return on assets (ROA) | 1.1949% | 1,674 |
| Pretax return on assets | 1.5414% | 1,420 |
| Return on Equity (ROE) | 19.5352% | 317 |
| Retained earnings to average equity (ytd only) | 18.7699% | 104 |
| Net charge-offs to loans | 0.0512% | 3,240 |
| Credit loss provision to net charge-offs | 160.0000% | 1,395 |
| Earnings coverage of net charge-offs (x) | 119.4000% | 488 |
| Efficiency ratio | 47.7919% | 6,297 |
| Assets per employee ($millions) | 10.2999% | 213 |
| Cash dividends to net income (ytd only)* | 3.9173% | 3,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4041% | 3,331 |
| Loan loss allowance to noncurrent loans | 510.0000% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.2799% | 5,250 |
| Noncurrent loans to loans | 0.2753% | 5,192 |
| Net loans and leases to total assets | 25.4967% | 6,424 |
| Net loans and leases to deposits | 27.4395% | 6,468 |
| Net loans and leases to core deposits | 27.9247% | 6,474 |
| Total domestic deposits to total assets | 92.9197% | 86 |
| Equity capital to assets | 6.7383% | 6,476 |
| Core capital (leverage) ratio | 7.3523% | 6,355 |
| Tier 1 risk-based capital ratio | 17.4255% | 2,451 |
| Total risk-based capital ratio | 18.3091% | 2,556 |
| Memoranda: | ||
| Average total assets | $307,644,670 | 2,122 |
| Average earning assets | $294,416,670 | 2,041 |
| Average equity | $18,817,330 | 3,310 |
| Average total loans | $78,150,330 | 3,972 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0167% | 6,226 |
| Cost of funding earning assets | 0.1347% | 6,423 |
| Net interest margin | 2.8819% | 5,785 |
| Noninterest income to average assets | 0.2046% | 5,719 |
| Noninterest expense to average assets | 1.4334% | 6,540 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1841% | 1,528 |
| Return on assets (ROA) | 1.1871% | 1,587 |
| Pretax return on assets | 1.5350% | 1,326 |
| Return on Equity (ROE) | 20.4541% | 264 |
| Retained earnings to average equity (ytd only) | 20.4541% | 109 |
| Net charge-offs to loans | 0.0155% | 3,281 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 391.6667% | 118 |
| Efficiency ratio | 48.3516% | 6,340 |
| Assets per employee ($millions) | 10.7162% | 198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4671% | 3,298 |
| Loan loss allowance to noncurrent loans | 202.0073% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.4161% | 4,893 |
| Noncurrent loans to loans | 0.7263% | 4,050 |
| Net loans and leases to total assets | 23.9236% | 6,509 |
| Net loans and leases to deposits | 25.6017% | 6,552 |
| Net loans and leases to core deposits | 26.1223% | 6,553 |
| Total domestic deposits to total assets | 93.4453% | 80 |
| Equity capital to assets | 6.1673% | 6,554 |
| Core capital (leverage) ratio | 7.0817% | 6,450 |
| Tier 1 risk-based capital ratio | 17.2048% | 2,597 |
| Total risk-based capital ratio | 18.1001% | 2,718 |
| Memoranda: | ||
| Average total assets | $306,968,500 | 2,131 |
| Average earning assets | $293,968,000 | 2,053 |
| Average equity | $17,815,500 | 3,444 |
| Average total loans | $77,272,500 | 4,018 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1189% | 6,223 |
| Cost of funding earning assets | 0.1801% | 6,390 |
| Net interest margin | 2.9388% | 5,713 |
| Noninterest income to average assets | 0.2527% | 5,538 |
| Noninterest expense to average assets | 1.6511% | 6,483 |
| Loan and lease loss provision to assets | -0.0560% | 6,401 |
| Net operating income to assets | 1.1271% | 1,844 |
| Return on assets (ROA) | 1.1974% | 1,644 |
| Pretax return on assets | 1.5134% | 1,401 |
| Return on Equity (ROE) | 18.6780% | 362 |
| Retained earnings to average equity (ytd only) | 17.4443% | 115 |
| Net charge-offs to loans | -0.5879% | 6,735 |
| Credit loss provision to net charge-offs | 37.3171% | 4,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6811% | 6,078 |
| Assets per employee ($millions) | 10.8274% | 180 |
| Cash dividends to net income (ytd only)* | 6.6055% | 4,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4034% | 3,641 |
| Loan loss allowance to noncurrent loans | 233.6842% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.4024% | 5,045 |
| Noncurrent loans to loans | 0.6006% | 4,482 |
| Net loans and leases to total assets | 25.7220% | 6,574 |
| Net loans and leases to deposits | 27.2814% | 6,621 |
| Net loans and leases to core deposits | 27.8783% | 6,627 |
| Total domestic deposits to total assets | 94.2840% | 71 |
| Equity capital to assets | 5.4310% | 6,662 |
| Core capital (leverage) ratio | 6.9437% | 6,536 |
| Tier 1 risk-based capital ratio | 16.1587% | 3,023 |
| Total risk-based capital ratio | 17.0395% | 3,161 |
| Memoranda: | ||
| Average total assets | $273,092,000 | 2,325 |
| Average earning assets | $257,112,600 | 2,268 |
| Average equity | $17,507,200 | 3,495 |
| Average total loans | $69,735,400 | 4,274 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1174% | 6,300 |
| Cost of funding earning assets | 0.1910% | 6,442 |
| Net interest margin | 2.9264% | 5,754 |
| Noninterest income to average assets | 0.2525% | 5,627 |
| Noninterest expense to average assets | 1.6126% | 6,545 |
| Loan and lease loss provision to assets | -0.1225% | 6,653 |
| Net operating income to assets | 1.1846% | 1,682 |
| Return on assets (ROA) | 1.2797% | 1,466 |
| Pretax return on assets | 1.6306% | 1,263 |
| Return on Equity (ROE) | 19.1278% | 364 |
| Retained earnings to average equity (ytd only) | 18.5875% | 94 |
| Net charge-offs to loans | -0.8309% | 6,817 |
| Credit loss provision to net charge-offs | 58.0952% | 3,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7753% | 6,123 |
| Assets per employee ($millions) | 9.8236% | 242 |
| Cash dividends to net income (ytd only)* | 2.8247% | 3,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3979% | 3,904 |
| Loan loss allowance to noncurrent loans | 214.3750% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.4395% | 5,110 |
| Noncurrent loans to loans | 0.6521% | 4,570 |
| Net loans and leases to total assets | 25.4778% | 6,658 |
| Net loans and leases to deposits | 27.1094% | 6,709 |
| Net loans and leases to core deposits | 27.8061% | 6,713 |
| Total domestic deposits to total assets | 93.9814% | 73 |
| Equity capital to assets | 5.6771% | 6,721 |
| Core capital (leverage) ratio | 7.2567% | 6,525 |
| Tier 1 risk-based capital ratio | 16.6554% | 2,878 |
| Total risk-based capital ratio | 17.5217% | 3,015 |
| Memoranda: | ||
| Average total assets | $265,573,000 | 2,401 |
| Average earning assets | $249,216,750 | 2,343 |
| Average equity | $17,767,750 | 3,494 |
| Average total loans | $67,396,500 | 4,394 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0776% | 6,370 |
| Cost of funding earning assets | 0.1952% | 6,498 |
| Net interest margin | 2.8824% | 5,824 |
| Noninterest income to average assets | 0.2501% | 5,657 |
| Noninterest expense to average assets | 1.5451% | 6,643 |
| Loan and lease loss provision to assets | -0.2254% | 6,798 |
| Net operating income to assets | 1.2703% | 1,405 |
| Return on assets (ROA) | 1.4147% | 1,133 |
| Pretax return on assets | 1.8299% | 869 |
| Return on Equity (ROE) | 20.0335% | 297 |
| Retained earnings to average equity (ytd only) | 19.2466% | 101 |
| Net charge-offs to loans | -1.3012% | 6,883 |
| Credit loss provision to net charge-offs | 68.7059% | 2,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1626% | 6,270 |
| Assets per employee ($millions) | 9.2697% | 270 |
| Cash dividends to net income (ytd only)* | 3.9280% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4066% | 4,005 |
| Loan loss allowance to noncurrent loans | 226.6667% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.4685% | 5,101 |
| Noncurrent loans to loans | 0.6205% | 4,706 |
| Net loans and leases to total assets | 26.6283% | 6,670 |
| Net loans and leases to deposits | 28.5338% | 6,729 |
| Net loans and leases to core deposits | 29.5722% | 6,723 |
| Total domestic deposits to total assets | 93.3219% | 100 |
| Equity capital to assets | 6.3363% | 6,712 |
| Core capital (leverage) ratio | 7.2721% | 6,537 |
| Tier 1 risk-based capital ratio | 17.8044% | 2,395 |
| Total risk-based capital ratio | 18.7251% | 2,493 |
| Memoranda: | ||
| Average total assets | $259,136,330 | 2,466 |
| Average earning assets | $243,823,000 | 2,411 |
| Average equity | $18,299,330 | 3,423 |
| Average total loans | $65,325,000 | 4,487 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9168% | 6,594 |
| Cost of funding earning assets | 0.1917% | 6,618 |
| Net interest margin | 2.7251% | 6,178 |
| Noninterest income to average assets | 0.2534% | 5,646 |
| Noninterest expense to average assets | 1.5788% | 6,679 |
| Loan and lease loss provision to assets | -0.5731% | 6,965 |
| Net operating income to assets | 1.3972% | 1,029 |
| Return on assets (ROA) | 1.5217% | 896 |
| Pretax return on assets | 2.0021% | 591 |
| Return on Equity (ROE) | 20.4931% | 264 |
| Retained earnings to average equity (ytd only) | 20.4931% | 124 |
| Net charge-offs to loans | -2.8282% | 6,962 |
| Credit loss provision to net charge-offs | 83.3708% | 2,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5133% | 6,109 |
| Assets per employee ($millions) | 9.4125% | 274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4039% | 4,209 |
| Loan loss allowance to noncurrent loans | 62.8475% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 0.6385% | 4,778 |
| Noncurrent loans to loans | 2.2339% | 2,348 |
| Net loans and leases to total assets | 23.8498% | 6,778 |
| Net loans and leases to deposits | 25.8392% | 6,822 |
| Net loans and leases to core deposits | 26.8960% | 6,826 |
| Total domestic deposits to total assets | 92.3008% | 202 |
| Equity capital to assets | 7.0874% | 6,697 |
| Core capital (leverage) ratio | 7.1396% | 6,603 |
| Tier 1 risk-based capital ratio | 17.5088% | 2,555 |
| Total risk-based capital ratio | 18.3960% | 2,664 |
| Memoranda: | ||
| Average total assets | $258,929,000 | 2,498 |
| Average earning assets | $246,157,500 | 2,412 |
| Average equity | $19,226,000 | 3,347 |
| Average total loans | $62,937,500 | 4,605 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3528% | 6,538 |
| Cost of funding earning assets | 0.2406% | 6,711 |
| Net interest margin | 3.1122% | 5,787 |
| Noninterest income to average assets | 0.1789% | 6,119 |
| Noninterest expense to average assets | 1.9448% | 6,428 |
| Loan and lease loss provision to assets | 0.1149% | 4,195 |
| Net operating income to assets | 0.8228% | 3,169 |
| Return on assets (ROA) | 1.1969% | 1,780 |
| Pretax return on assets | 1.5452% | 1,540 |
| Return on Equity (ROE) | 16.0230% | 657 |
| Retained earnings to average equity (ytd only) | 14.7277% | 168 |
| Net charge-offs to loans | -0.0433% | 6,679 |
| Credit loss provision to net charge-offs | -991.3043% | 6,581 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3526% | 5,188 |
| Assets per employee ($millions) | 9.0702% | 321 |
| Cash dividends to net income (ytd only)* | 8.0842% | 4,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 4,036 |
| Loan loss allowance to noncurrent loans | 79.5709% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 0.5472% | 5,108 |
| Noncurrent loans to loans | 1.7912% | 2,931 |
| Net loans and leases to total assets | 24.0895% | 6,856 |
| Net loans and leases to deposits | 26.4650% | 6,896 |
| Net loans and leases to core deposits | 27.7082% | 6,890 |
| Total domestic deposits to total assets | 91.0239% | 484 |
| Equity capital to assets | 7.8017% | 6,501 |
| Core capital (leverage) ratio | 7.5345% | 6,486 |
| Tier 1 risk-based capital ratio | 18.4214% | 2,128 |
| Total risk-based capital ratio | 19.3293% | 2,208 |
| Memoranda: | ||
| Average total assets | $198,425,000 | 3,065 |
| Average earning assets | $187,453,400 | 2,996 |
| Average equity | $14,822,400 | 4,003 |
| Average total loans | $53,150,200 | 4,978 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4994% | 6,512 |
| Cost of funding earning assets | 0.2536% | 6,795 |
| Net interest margin | 3.2458% | 5,563 |
| Noninterest income to average assets | 0.2034% | 6,072 |
| Noninterest expense to average assets | 2.0348% | 6,299 |
| Loan and lease loss provision to assets | 0.1435% | 3,740 |
| Net operating income to assets | 0.8488% | 3,222 |
| Return on assets (ROA) | 1.1277% | 2,191 |
| Pretax return on assets | 1.4524% | 2,070 |
| Return on Equity (ROE) | 15.3191% | 847 |
| Retained earnings to average equity (ytd only) | 14.8538% | 245 |
| Net charge-offs to loans | 0.0363% | 5,139 |
| Credit loss provision to net charge-offs | 1,435.7143% | 193 |
| Earnings coverage of net charge-offs (x) | 123.9036% | 351 |
| Efficiency ratio | 62.1675% | 5,128 |
| Assets per employee ($millions) | 8.2992% | 427 |
| Cash dividends to net income (ytd only)* | 3.0381% | 3,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3655% | 4,519 |
| Loan loss allowance to noncurrent loans | 74.8577% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 0.6567% | 5,035 |
| Noncurrent loans to loans | 1.8241% | 3,043 |
| Net loans and leases to total assets | 26.4131% | 6,912 |
| Net loans and leases to deposits | 29.3950% | 6,962 |
| Net loans and leases to core deposits | 30.8847% | 6,952 |
| Total domestic deposits to total assets | 89.8558% | 922 |
| Equity capital to assets | 8.8558% | 5,970 |
| Core capital (leverage) ratio | 8.0521% | 6,285 |
| Tier 1 risk-based capital ratio | 19.3566% | 1,904 |
| Total risk-based capital ratio | 20.2736% | 1,976 |
| Memoranda: | ||
| Average total assets | $186,807,500 | 3,246 |
| Average earning assets | $176,673,250 | 3,176 |
| Average equity | $13,751,500 | 4,251 |
| Average total loans | $51,476,000 | 5,103 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6231% | 6,456 |
| Cost of funding earning assets | 0.2667% | 6,845 |
| Net interest margin | 3.3565% | 5,243 |
| Noninterest income to average assets | 0.2969% | 5,429 |
| Noninterest expense to average assets | 2.1022% | 6,230 |
| Loan and lease loss provision to assets | 0.1727% | 3,378 |
| Net operating income to assets | 0.9258% | 2,780 |
| Return on assets (ROA) | 1.0579% | 2,444 |
| Pretax return on assets | 1.3604% | 2,350 |
| Return on Equity (ROE) | 15.6615% | 826 |
| Retained earnings to average equity (ytd only) | 14.8592% | 290 |
| Net charge-offs to loans | 0.0081% | 5,358 |
| Credit loss provision to net charge-offs | 7,650.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 604.0000% | 62 |
| Efficiency ratio | 60.6515% | 5,475 |
| Assets per employee ($millions) | 7.2174% | 656 |
| Cash dividends to net income (ytd only)* | 5.1227% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3901% | 4,502 |
| Loan loss allowance to noncurrent loans | 67.3524% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 0.8087% | 4,781 |
| Noncurrent loans to loans | 2.0639% | 2,872 |
| Net loans and leases to total assets | 27.4117% | 6,946 |
| Net loans and leases to deposits | 29.6952% | 7,015 |
| Net loans and leases to core deposits | 31.4521% | 7,000 |
| Total domestic deposits to total assets | 92.3102% | 183 |
| Equity capital to assets | 6.5393% | 6,975 |
| Core capital (leverage) ratio | 5.9383% | 6,997 |
| Tier 1 risk-based capital ratio | 13.7251% | 4,643 |
| Total risk-based capital ratio | 14.6635% | 4,852 |
| Memoranda: | ||
| Average total assets | $177,150,330 | 3,407 |
| Average earning assets | $167,260,000 | 3,309 |
| Average equity | $11,965,670 | 4,611 |
| Average total loans | $49,373,670 | 5,220 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6411% | 6,524 |
| Cost of funding earning assets | 0.2797% | 6,908 |
| Net interest margin | 3.3614% | 5,259 |
| Noninterest income to average assets | 0.2852% | 5,592 |
| Noninterest expense to average assets | 2.1629% | 6,127 |
| Loan and lease loss provision to assets | 0.2258% | 2,690 |
| Net operating income to assets | 0.8485% | 3,170 |
| Return on assets (ROA) | 0.9151% | 3,068 |
| Pretax return on assets | 1.1504% | 3,110 |
| Return on Equity (ROE) | 13.3022% | 1,324 |
| Retained earnings to average equity (ytd only) | 13.3022% | 641 |
| Net charge-offs to loans | -0.0341% | 6,392 |
| Credit loss provision to net charge-offs | -2,375.0000% | 6,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5860% | 5,175 |
| Assets per employee ($millions) | 6.7162% | 872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 4,602 |
| Loan loss allowance to noncurrent loans | 60.1717% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 1.0053% | 4,477 |
| Noncurrent loans to loans | 2.3301% | 2,776 |
| Net loans and leases to total assets | 27.1851% | 6,999 |
| Net loans and leases to deposits | 29.3858% | 7,065 |
| Net loans and leases to core deposits | 31.6587% | 7,044 |
| Total domestic deposits to total assets | 92.5112% | 186 |
| Equity capital to assets | 6.5083% | 7,011 |
| Core capital (leverage) ratio | 6.3994% | 6,984 |
| Tier 1 risk-based capital ratio | 13.8559% | 4,566 |
| Total risk-based capital ratio | 14.7801% | 4,795 |
| Memoranda: | ||
| Average total assets | $168,291,000 | 3,547 |
| Average earning assets | $158,742,000 | 3,458 |
| Average equity | $11,577,000 | 4,706 |
| Average total loans | $46,975,500 | 5,341 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1429% | 6,198 |
| Cost of funding earning assets | 0.4285% | 6,805 |
| Net interest margin | 3.7144% | 4,234 |
| Noninterest income to average assets | 0.3370% | 5,119 |
| Noninterest expense to average assets | 2.6613% | 4,881 |
| Loan and lease loss provision to assets | 0.0751% | 5,671 |
| Net operating income to assets | 0.8710% | 2,732 |
| Return on assets (ROA) | 0.8999% | 2,738 |
| Pretax return on assets | 1.1013% | 2,830 |
| Return on Equity (ROE) | 11.3150% | 1,615 |
| Retained earnings to average equity (ytd only) | 9.9284% | 588 |
| Net charge-offs to loans | 0.0026% | 6,419 |
| Credit loss provision to net charge-offs | 9,800.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 1,490.0000% | 13 |
| Efficiency ratio | 69.9899% | 3,964 |
| Assets per employee ($millions) | 5.5444% | 1,591 |
| Cash dividends to net income (ytd only)* | 12.2553% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 4,599 |
| Loan loss allowance to noncurrent loans | 55.4839% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 1.1575% | 4,297 |
| Noncurrent loans to loans | 2.4685% | 2,667 |
| Net loans and leases to total assets | 27.9244% | 7,061 |
| Net loans and leases to deposits | 30.4791% | 7,124 |
| Net loans and leases to core deposits | 32.3957% | 7,106 |
| Total domestic deposits to total assets | 91.6184% | 301 |
| Equity capital to assets | 7.3124% | 6,875 |
| Core capital (leverage) ratio | 6.8708% | 6,907 |
| Tier 1 risk-based capital ratio | 14.8898% | 3,705 |
| Total risk-based capital ratio | 15.7752% | 3,930 |
| Memoranda: | ||
| Average total assets | $130,576,200 | 4,156 |
| Average earning assets | $121,821,600 | 4,097 |
| Average equity | $10,384,400 | 4,927 |
| Average total loans | $38,962,400 | 5,743 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2735% | 6,021 |
| Cost of funding earning assets | 0.4564% | 6,863 |
| Net interest margin | 3.8170% | 3,789 |
| Noninterest income to average assets | 0.3772% | 4,850 |
| Noninterest expense to average assets | 2.7103% | 4,683 |
| Loan and lease loss provision to assets | 0.0611% | 5,683 |
| Net operating income to assets | 0.9324% | 2,609 |
| Return on assets (ROA) | 0.9324% | 2,768 |
| Pretax return on assets | 1.1639% | 2,770 |
| Return on Equity (ROE) | 11.4367% | 1,707 |
| Retained earnings to average equity (ytd only) | 10.8057% | 662 |
| Net charge-offs to loans | 0.0283% | 5,757 |
| Credit loss provision to net charge-offs | 712.5000% | 381 |
| Earnings coverage of net charge-offs (x) | 142.8266% | 266 |
| Efficiency ratio | 68.8725% | 4,141 |
| Assets per employee ($millions) | 4.9698% | 2,228 |
| Cash dividends to net income (ytd only)* | 5.5174% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3565% | 4,746 |
| Loan loss allowance to noncurrent loans | 51.8727% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 1.3187% | 4,164 |
| Noncurrent loans to loans | 2.6150% | 2,653 |
| Net loans and leases to total assets | 28.9514% | 7,119 |
| Net loans and leases to deposits | 31.9295% | 7,174 |
| Net loans and leases to core deposits | 33.5613% | 7,173 |
| Total domestic deposits to total assets | 90.6729% | 565 |
| Equity capital to assets | 8.2110% | 6,554 |
| Core capital (leverage) ratio | 7.4448% | 6,790 |
| Tier 1 risk-based capital ratio | 16.4800% | 2,874 |
| Total risk-based capital ratio | 17.4007% | 3,003 |
| Memoranda: | ||
| Average total assets | $124,409,250 | 4,306 |
| Average earning assets | $115,968,750 | 4,252 |
| Average equity | $10,142,500 | 4,998 |
| Average total loans | $37,714,750 | 5,854 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3482% | 5,849 |
| Cost of funding earning assets | 0.4811% | 6,912 |
| Net interest margin | 3.8670% | 3,455 |
| Noninterest income to average assets | 0.3983% | 4,692 |
| Noninterest expense to average assets | 2.7767% | 4,520 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9674% | 2,363 |
| Return on assets (ROA) | 0.9674% | 2,463 |
| Pretax return on assets | 1.2134% | 2,427 |
| Return on Equity (ROE) | 11.8995% | 1,523 |
| Retained earnings to average equity (ytd only) | 10.9113% | 682 |
| Net charge-offs to loans | -0.0055% | 6,595 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5889% | 4,189 |
| Assets per employee ($millions) | 4.7103% | 2,531 |
| Cash dividends to net income (ytd only)* | 8.3045% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3825% | 4,656 |
| Loan loss allowance to noncurrent loans | 45.3405% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 1.5372% | 3,899 |
| Noncurrent loans to loans | 3.0492% | 2,372 |
| Net loans and leases to total assets | 28.3809% | 7,232 |
| Net loans and leases to deposits | 31.5733% | 7,277 |
| Net loans and leases to core deposits | 33.5484% | 7,264 |
| Total domestic deposits to total assets | 89.8889% | 1,025 |
| Equity capital to assets | 8.0761% | 6,621 |
| Core capital (leverage) ratio | 7.9828% | 6,317 |
| Tier 1 risk-based capital ratio | 17.5551% | 2,319 |
| Total risk-based capital ratio | 18.4782% | 2,410 |
| Memoranda: | ||
| Average total assets | $119,494,330 | 4,473 |
| Average earning assets | $110,989,670 | 4,412 |
| Average equity | $9,714,670 | 5,117 |
| Average total loans | $36,672,670 | 5,947 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4438% | 5,543 |
| Cost of funding earning assets | 0.5312% | 6,859 |
| Net interest margin | 3.9126% | 3,078 |
| Noninterest income to average assets | 0.3943% | 4,747 |
| Noninterest expense to average assets | 2.8015% | 4,433 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9684% | 2,288 |
| Return on assets (ROA) | 0.9684% | 2,351 |
| Pretax return on assets | 1.2105% | 2,334 |
| Return on Equity (ROE) | 11.8688% | 1,494 |
| Retained earnings to average equity (ytd only) | 11.8688% | 754 |
| Net charge-offs to loans | 0.0436% | 4,507 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 87.5000% | 354 |
| Efficiency ratio | 69.8276% | 4,310 |
| Assets per employee ($millions) | 4.3307% | 3,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3852% | 4,739 |
| Loan loss allowance to noncurrent loans | 41.7152% | 5,523 |
| Noncurrent assets plus other real estate owned to assets | 1.8840% | 3,454 |
| Noncurrent loans to loans | 3.3207% | 2,263 |
| Net loans and leases to total assets | 30.5020% | 7,216 |
| Net loans and leases to deposits | 33.4691% | 7,283 |
| Net loans and leases to core deposits | 36.0674% | 7,263 |
| Total domestic deposits to total assets | 91.1349% | 560 |
| Equity capital to assets | 8.2246% | 6,255 |
| Core capital (leverage) ratio | 8.2316% | 5,934 |
| Tier 1 risk-based capital ratio | 17.9580% | 2,126 |
| Total risk-based capital ratio | 18.9179% | 2,200 |
| Memoranda: | ||
| Average total assets | $115,653,000 | 4,597 |
| Average earning assets | $106,936,000 | 4,561 |
| Average equity | $9,436,500 | 5,193 |
| Average total loans | $36,709,000 | 6,001 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8531% | 5,219 |
| Cost of funding earning assets | 0.8427% | 6,389 |
| Net interest margin | 4.0104% | 2,976 |
| Noninterest income to average assets | 0.3440% | 5,336 |
| Noninterest expense to average assets | 3.1863% | 3,144 |
| Loan and lease loss provision to assets | 0.0263% | 6,862 |
| Net operating income to assets | 0.6949% | 3,246 |
| Return on assets (ROA) | 0.7785% | 3,014 |
| Pretax return on assets | 0.9208% | 3,194 |
| Return on Equity (ROE) | 8.7035% | 2,418 |
| Retained earnings to average equity (ytd only) | 7.6578% | 1,099 |
| Net charge-offs to loans | -0.1694% | 7,535 |
| Credit loss provision to net charge-offs | -46.5517% | 7,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9664% | 2,541 |
| Assets per employee ($millions) | 4.2361% | 3,315 |
| Cash dividends to net income (ytd only)* | 12.0150% | 3,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3557% | 4,719 |
| Loan loss allowance to noncurrent loans | 44.4934% | 5,356 |
| Noncurrent assets plus other real estate owned to assets | 1.9007% | 3,477 |
| Noncurrent loans to loans | 3.0469% | 2,505 |
| Net loans and leases to total assets | 32.1274% | 7,285 |
| Net loans and leases to deposits | 35.6768% | 7,352 |
| Net loans and leases to core deposits | 38.2524% | 7,347 |
| Total domestic deposits to total assets | 90.0512% | 1,068 |
| Equity capital to assets | 8.0926% | 6,392 |
| Core capital (leverage) ratio | 8.1314% | 5,942 |
| Tier 1 risk-based capital ratio | 17.2363% | 2,251 |
| Total risk-based capital ratio | 18.1992% | 2,331 |
| Memoranda: | ||
| Average total assets | $102,627,000 | 4,906 |
| Average earning assets | $94,454,400 | 4,880 |
| Average equity | $9,180,200 | 5,366 |
| Average total loans | $34,240,000 | 6,198 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0103% | 4,765 |
| Cost of funding earning assets | 0.9099% | 6,361 |
| Net interest margin | 4.1004% | 2,619 |
| Noninterest income to average assets | 0.2675% | 5,982 |
| Noninterest expense to average assets | 3.2273% | 2,826 |
| Loan and lease loss provision to assets | 0.0334% | 6,740 |
| Net operating income to assets | 0.6995% | 3,413 |
| Return on assets (ROA) | 0.6995% | 3,572 |
| Pretax return on assets | 0.7797% | 3,981 |
| Return on Equity (ROE) | 7.6116% | 3,061 |
| Retained earnings to average equity (ytd only) | 7.6116% | 1,554 |
| Net charge-offs to loans | -0.2070% | 7,622 |
| Credit loss provision to net charge-offs | -48.0769% | 6,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8742% | 2,355 |
| Assets per employee ($millions) | 3.9818% | 3,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3856% | 4,547 |
| Loan loss allowance to noncurrent loans | 308.6957% | 953 |
| Noncurrent assets plus other real estate owned to assets | 1.1441% | 4,825 |
| Noncurrent loans to loans | 0.4488% | 6,292 |
| Net loans and leases to total assets | 32.9024% | 7,380 |
| Net loans and leases to deposits | 36.5748% | 7,458 |
| Net loans and leases to core deposits | 39.9532% | 7,429 |
| Total domestic deposits to total assets | 89.9590% | 899 |
| Equity capital to assets | 8.9137% | 5,688 |
| Core capital (leverage) ratio | 8.4012% | 5,696 |
| Tier 1 risk-based capital ratio | 17.9441% | 2,034 |
| Total risk-based capital ratio | 18.9507% | 2,079 |
| Memoranda: | ||
| Average total assets | $99,689,750 | 5,059 |
| Average earning assets | $91,728,750 | 5,016 |
| Average equity | $9,161,250 | 5,448 |
| Average total loans | $33,487,250 | 6,319 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0931% | 4,495 |
| Cost of funding earning assets | 0.9687% | 6,295 |
| Net interest margin | 4.1244% | 2,453 |
| Noninterest income to average assets | 0.2905% | 5,824 |
| Noninterest expense to average assets | 3.2426% | 2,753 |
| Loan and lease loss provision to assets | 0.0330% | 6,622 |
| Net operating income to assets | 0.7148% | 3,331 |
| Return on assets (ROA) | 0.7148% | 3,487 |
| Pretax return on assets | 0.7952% | 3,900 |
| Return on Equity (ROE) | 7.6934% | 3,018 |
| Retained earnings to average equity (ytd only) | 7.6934% | 1,553 |
| Net charge-offs to loans | -0.3059% | 7,691 |
| Credit loss provision to net charge-offs | -32.0000% | 6,614 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6559% | 2,484 |
| Assets per employee ($millions) | 3.8797% | 4,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4296% | 4,290 |
| Loan loss allowance to noncurrent loans | 517.0213% | 631 |
| Noncurrent assets plus other real estate owned to assets | 1.2745% | 4,598 |
| Noncurrent loans to loans | 0.2765% | 6,678 |
| Net loans and leases to total assets | 31.9892% | 7,485 |
| Net loans and leases to deposits | 35.5243% | 7,540 |
| Net loans and leases to core deposits | 37.5426% | 7,540 |
| Total domestic deposits to total assets | 90.0488% | 904 |
| Equity capital to assets | 8.8839% | 5,624 |
| Core capital (leverage) ratio | 8.5887% | 5,255 |
| Tier 1 risk-based capital ratio | 18.2943% | 1,873 |
| Total risk-based capital ratio | 19.3119% | 1,912 |
| Memoranda: | ||
| Average total assets | $97,083,330 | 5,163 |
| Average earning assets | $88,982,330 | 5,136 |
| Average equity | $9,020,670 | 5,495 |
| Average total loans | $32,693,000 | 6,396 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3176% | 3,459 |
| Cost of funding earning assets | 1.0129% | 6,316 |
| Net interest margin | 4.3047% | 1,677 |
| Noninterest income to average assets | 0.5405% | 3,723 |
| Noninterest expense to average assets | 3.3287% | 2,437 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9652% | 2,311 |
| Return on assets (ROA) | 0.9652% | 2,377 |
| Pretax return on assets | 1.1496% | 2,554 |
| Return on Equity (ROE) | 10.1374% | 2,055 |
| Retained earnings to average equity (ytd only) | 10.1374% | 1,109 |
| Net charge-offs to loans | -0.9488% | 7,847 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3295% | 3,523 |
| Assets per employee ($millions) | 3.5979% | 4,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5103% | 3,859 |
| Loan loss allowance to noncurrent loans | 545.0549% | 585 |
| Noncurrent assets plus other real estate owned to assets | 1.4855% | 4,284 |
| Noncurrent loans to loans | 0.2771% | 6,767 |
| Net loans and leases to total assets | 33.2966% | 7,520 |
| Net loans and leases to deposits | 37.1777% | 7,597 |
| Net loans and leases to core deposits | 39.9647% | 7,576 |
| Total domestic deposits to total assets | 89.5606% | 1,202 |
| Equity capital to assets | 9.3646% | 4,733 |
| Core capital (leverage) ratio | 9.4986% | 3,774 |
| Tier 1 risk-based capital ratio | 18.9892% | 1,727 |
| Total risk-based capital ratio | 20.0824% | 1,727 |
| Memoranda: | ||
| Average total assets | $93,249,500 | 5,345 |
| Average earning assets | $85,302,000 | 5,329 |
| Average equity | $8,878,000 | 5,574 |
| Average total loans | $32,042,000 | 6,521 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4752% | 4,291 |
| Cost of funding earning assets | 1.3685% | 6,061 |
| Net interest margin | 4.1068% | 2,417 |
| Noninterest income to average assets | 0.6726% | 3,134 |
| Noninterest expense to average assets | 4.8764% | 576 |
| Loan and lease loss provision to assets | 0.1929% | 5,798 |
| Net operating income to assets | -0.2698% | 5,927 |
| Return on assets (ROA) | -0.2698% | 5,924 |
| Pretax return on assets | -0.6787% | 6,170 |
| Return on Equity (ROE) | -2.5206% | 5,923 |
| Retained earnings to average equity (ytd only) | -2.5206% | 5,617 |
| Net charge-offs to loans | 0.1985% | 5,408 |
| Credit loss provision to net charge-offs | 292.5926% | 1,140 |
| Earnings coverage of net charge-offs (x) | -7.3704% | 7,139 |
| Efficiency ratio | 111.0648% | 777 |
| Assets per employee ($millions) | 3.3095% | 5,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3443% | 4,514 |
| Loan loss allowance to noncurrent loans | 315.7895% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 1.6608% | 3,883 |
| Noncurrent loans to loans | 0.4257% | 6,417 |
| Net loans and leases to total assets | 34.4942% | 7,579 |
| Net loans and leases to deposits | 38.6500% | 7,660 |
| Net loans and leases to core deposits | 53.0133% | 7,503 |
| Total domestic deposits to total assets | 89.2476% | 1,362 |
| Equity capital to assets | 9.6903% | 4,152 |
| Core capital (leverage) ratio | 9.4642% | 3,769 |
| Tier 1 risk-based capital ratio | 19.6225% | 1,539 |
| Total risk-based capital ratio | 20.6048% | 1,541 |
| Memoranda: | ||
| Average total assets | $81,926,000 | 5,670 |
| Average earning assets | $74,170,200 | 5,671 |
| Average equity | $8,767,600 | 5,676 |
| Average total loans | $27,209,000 | 6,789 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5407% | 4,210 |
| Cost of funding earning assets | 1.4418% | 6,073 |
| Net interest margin | 4.0989% | 2,402 |
| Noninterest income to average assets | 0.5745% | 3,896 |
| Noninterest expense to average assets | 4.3145% | 897 |
| Loan and lease loss provision to assets | 0.0683% | 6,682 |
| Net operating income to assets | 0.1249% | 5,393 |
| Return on assets (ROA) | 0.1249% | 5,458 |
| Pretax return on assets | -0.1016% | 5,848 |
| Return on Equity (ROE) | 1.1370% | 5,445 |
| Retained earnings to average equity (ytd only) | 1.1370% | 4,685 |
| Net charge-offs to loans | 0.1934% | 4,852 |
| Credit loss provision to net charge-offs | 107.8947% | 4,709 |
| Earnings coverage of net charge-offs (x) | -0.5263% | 6,481 |
| Efficiency ratio | 100.7779% | 1,026 |
| Assets per employee ($millions) | 3.1851% | 5,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1580% | 5,369 |
| Loan loss allowance to noncurrent loans | 186.5497% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 2.4605% | 2,797 |
| Noncurrent loans to loans | 0.6207% | 6,063 |
| Net loans and leases to total assets | 31.6620% | 7,763 |
| Net loans and leases to deposits | 36.0320% | 7,822 |
| Net loans and leases to core deposits | 49.9450% | 7,689 |
| Total domestic deposits to total assets | 87.8720% | 1,716 |
| Equity capital to assets | 10.5315% | 3,477 |
| Core capital (leverage) ratio | 10.1878% | 3,076 |
| Tier 1 risk-based capital ratio | 22.0586% | 1,221 |
| Total risk-based capital ratio | 22.8687% | 1,250 |
| Memoranda: | ||
| Average total assets | $80,068,250 | 5,761 |
| Average earning assets | $72,407,250 | 5,774 |
| Average equity | $8,794,750 | 5,721 |
| Average total loans | $26,200,500 | 6,906 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7527% | 3,280 |
| Cost of funding earning assets | 1.4772% | 6,234 |
| Net interest margin | 4.2755% | 1,725 |
| Noninterest income to average assets | 0.5173% | 4,293 |
| Noninterest expense to average assets | 4.4589% | 802 |
| Loan and lease loss provision to assets | 0.1050% | 6,113 |
| Net operating income to assets | 0.0640% | 5,667 |
| Return on assets (ROA) | 0.0640% | 5,757 |
| Pretax return on assets | -0.1921% | 6,115 |
| Return on Equity (ROE) | 0.5742% | 5,766 |
| Retained earnings to average equity (ytd only) | 0.5742% | 4,966 |
| Net charge-offs to loans | 0.2019% | 4,272 |
| Credit loss provision to net charge-offs | 157.6923% | 2,925 |
| Earnings coverage of net charge-offs (x) | -1.3077% | 6,289 |
| Efficiency ratio | 101.9918% | 1,094 |
| Assets per employee ($millions) | 2.8228% | 6,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 4,623 |
| Loan loss allowance to noncurrent loans | 318.2692% | 987 |
| Noncurrent assets plus other real estate owned to assets | 2.7392% | 2,349 |
| Noncurrent loans to loans | 0.3920% | 6,532 |
| Net loans and leases to total assets | 33.1486% | 7,802 |
| Net loans and leases to deposits | 37.8301% | 7,865 |
| Net loans and leases to core deposits | 51.7071% | 7,718 |
| Total domestic deposits to total assets | 87.6249% | 1,957 |
| Equity capital to assets | 10.9884% | 2,931 |
| Core capital (leverage) ratio | 11.1475% | 2,293 |
| Tier 1 risk-based capital ratio | 22.9260% | 1,145 |
| Total risk-based capital ratio | 23.8047% | 1,150 |
| Memoranda: | ||
| Average total assets | $78,091,330 | 5,859 |
| Average earning assets | $70,401,670 | 5,871 |
| Average equity | $8,707,330 | 5,773 |
| Average total loans | $25,751,330 | 6,984 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8133% | 3,233 |
| Cost of funding earning assets | 1.5434% | 6,266 |
| Net interest margin | 4.2700% | 1,675 |
| Noninterest income to average assets | 0.5566% | 3,867 |
| Noninterest expense to average assets | 4.3289% | 831 |
| Loan and lease loss provision to assets | 0.1391% | 5,174 |
| Net operating income to assets | 0.1391% | 5,862 |
| Return on assets (ROA) | 0.1391% | 6,029 |
| Pretax return on assets | -0.0618% | 6,444 |
| Return on Equity (ROE) | 1.2387% | 6,057 |
| Retained earnings to average equity (ytd only) | 1.2387% | 5,142 |
| Net charge-offs to loans | 0.1419% | 3,824 |
| Credit loss provision to net charge-offs | 300.0000% | 1,603 |
| Earnings coverage of net charge-offs (x) | 1.6667% | 3,895 |
| Efficiency ratio | 98.2456% | 1,203 |
| Assets per employee ($millions) | 2.7753% | 6,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2955% | 4,104 |
| Loan loss allowance to noncurrent loans | 158.2938% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 3.0062% | 1,877 |
| Noncurrent loans to loans | 0.8184% | 5,399 |
| Net loans and leases to total assets | 32.7474% | 7,841 |
| Net loans and leases to deposits | 38.5234% | 7,887 |
| Net loans and leases to core deposits | 52.6570% | 7,712 |
| Total domestic deposits to total assets | 85.0065% | 3,203 |
| Equity capital to assets | 11.4185% | 2,643 |
| Core capital (leverage) ratio | 11.1233% | 2,404 |
| Tier 1 risk-based capital ratio | 23.6245% | 1,122 |
| Total risk-based capital ratio | 24.5378% | 1,131 |
| Memoranda: | ||
| Average total assets | $77,618,000 | 5,900 |
| Average earning assets | $69,977,000 | 5,915 |
| Average equity | $8,718,500 | 5,802 |
| Average total loans | $25,361,500 | 7,040 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9218% | 5,936 |
| Cost of funding earning assets | 2.0318% | 6,313 |
| Net interest margin | 3.8899% | 3,614 |
| Noninterest income to average assets | 0.7211% | 2,979 |
| Noninterest expense to average assets | 3.9473% | 1,490 |
| Loan and lease loss provision to assets | 0.3000% | 3,975 |
| Net operating income to assets | 0.2422% | 5,726 |
| Return on assets (ROA) | 0.2422% | 5,545 |
| Pretax return on assets | 0.0874% | 5,972 |
| Return on Equity (ROE) | 2.0849% | 5,589 |
| Retained earnings to average equity (ytd only) | 1.5289% | 4,305 |
| Net charge-offs to loans | 0.5969% | 2,040 |
| Credit loss provision to net charge-offs | 147.6821% | 3,572 |
| Earnings coverage of net charge-offs (x) | 1.9073% | 5,113 |
| Efficiency ratio | 91.0615% | 1,438 |
| Assets per employee ($millions) | 3.3708% | 5,032 |
| Cash dividends to net income (ytd only)* | 26.6667% | 4,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 4,008 |
| Loan loss allowance to noncurrent loans | 196.2733% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 2.9795% | 1,544 |
| Noncurrent loans to loans | 0.6455% | 5,430 |
| Net loans and leases to total assets | 31.7636% | 7,954 |
| Net loans and leases to deposits | 36.2696% | 8,021 |
| Net loans and leases to core deposits | 49.5663% | 7,897 |
| Total domestic deposits to total assets | 87.5763% | 1,676 |
| Equity capital to assets | 11.0462% | 3,008 |
| Core capital (leverage) ratio | 11.1360% | 2,477 |
| Tier 1 risk-based capital ratio | 24.3628% | 1,044 |
| Total risk-based capital ratio | 25.2567% | 1,063 |
| Memoranda: | ||
| Average total assets | $74,330,200 | 5,904 |
| Average earning assets | $69,050,400 | 5,856 |
| Average equity | $8,633,400 | 5,864 |
| Average total loans | $25,295,600 | 7,011 |