Home > The Northumberland National Bank > Performance and Condition Ratios
The Northumberland National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0377% | 3,901 |
| Cost of funding earning assets | 1.4744% | 2,009 |
| Net interest margin | 2.5633% | 4,015 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.6074% | 1,982 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.3473% | 3,960 |
| Return on assets (ROA) | 0.3051% | 4,018 |
| Pretax return on assets | 0.3391% | 4,048 |
| Return on Equity (ROE) | 4.2900% | 3,848 |
| Retained earnings to average equity (ytd only) | 1.9459% | 3,587 |
| Net charge-offs to loans | 0.0173% | 2,021 |
| Credit loss provision to net charge-offs | -65.7534% | 4,465 |
| Earnings coverage of net charge-offs (x) | 35.0137% | 1,525 |
| Efficiency ratio | 87.3158% | 507 |
| Assets per employee ($millions) | 6.3015% | 2,551 |
| Cash dividends to net income (ytd only)* | 54.6382% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9360% | 3,585 |
| Loan loss allowance to noncurrent loans | 156.1118% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.3904% | 1,419 |
| Noncurrent loans to loans | 0.5996% | 1,312 |
| Net loans and leases to total assets | 63.7400% | 2,486 |
| Net loans and leases to deposits | 71.6982% | 2,768 |
| Net loans and leases to core deposits | 79.5054% | 2,736 |
| Total domestic deposits to total assets | 88.9000% | 1,098 |
| Equity capital to assets | 7.7421% | 3,581 |
| Core capital (leverage) ratio | 9.7156% | 3,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7301% | 1,131 |
| Memoranda: | ||
| Average total assets | $674,819,000 | 1,345 |
| Average earning assets | $627,085,000 | 1,330 |
| Average equity | $47,997,200 | 1,658 |
| Average total loans | $422,397,800 | 1,418 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0038% | 3,840 |
| Cost of funding earning assets | 1.4075% | 1,848 |
| Net interest margin | 2.5962% | 4,038 |
| Noninterest income to average assets | 0.6000% | 1,525 |
| Noninterest expense to average assets | 2.6826% | 1,718 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.3174% | 4,094 |
| Return on assets (ROA) | 0.2601% | 4,169 |
| Pretax return on assets | 0.2820% | 4,185 |
| Return on Equity (ROE) | 3.7400% | 4,015 |
| Retained earnings to average equity (ytd only) | 0.5524% | 4,038 |
| Net charge-offs to loans | 0.0117% | 1,967 |
| Credit loss provision to net charge-offs | -189.1892% | 4,545 |
| Earnings coverage of net charge-offs (x) | 45.3243% | 1,369 |
| Efficiency ratio | 89.0313% | 408 |
| Assets per employee ($millions) | 6.1741% | 2,592 |
| Cash dividends to net income (ytd only)* | 85.2273% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 3,546 |
| Loan loss allowance to noncurrent loans | 272.9547% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.2352% | 2,075 |
| Noncurrent loans to loans | 0.3495% | 1,970 |
| Net loans and leases to total assets | 63.4400% | 2,511 |
| Net loans and leases to deposits | 70.8576% | 2,786 |
| Net loans and leases to core deposits | 76.4357% | 2,835 |
| Total domestic deposits to total assets | 89.5300% | 1,060 |
| Equity capital to assets | 6.6504% | 3,775 |
| Core capital (leverage) ratio | 9.4785% | 3,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7085% | 988 |
| Memoranda: | ||
| Average total assets | $676,533,250 | 1,337 |
| Average earning assets | $628,124,500 | 1,328 |
| Average equity | $47,068,000 | 1,669 |
| Average total loans | $420,547,250 | 1,412 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8839% | 3,897 |
| Cost of funding earning assets | 1.3443% | 1,601 |
| Net interest margin | 2.5396% | 4,172 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 2.6791% | 1,691 |
| Loan and lease loss provision to assets | -0.0200% | 4,411 |
| Net operating income to assets | 0.2847% | 4,178 |
| Return on assets (ROA) | 0.1948% | 4,304 |
| Pretax return on assets | 0.2004% | 4,317 |
| Return on Equity (ROE) | 2.7500% | 4,194 |
| Retained earnings to average equity (ytd only) | -0.6674% | 4,184 |
| Net charge-offs to loans | 0.0062% | 2,018 |
| Credit loss provision to net charge-offs | -538.4615% | 4,601 |
| Earnings coverage of net charge-offs (x) | 71.4615% | 1,109 |
| Efficiency ratio | 90.7672% | 333 |
| Assets per employee ($millions) | 6.1262% | 2,598 |
| Cash dividends to net income (ytd only)* | 124.2470% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 3,535 |
| Loan loss allowance to noncurrent loans | 287.1994% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.2164% | 2,113 |
| Noncurrent loans to loans | 0.3375% | 1,921 |
| Net loans and leases to total assets | 61.5800% | 2,617 |
| Net loans and leases to deposits | 68.9717% | 2,860 |
| Net loans and leases to core deposits | 74.0774% | 2,876 |
| Total domestic deposits to total assets | 89.2800% | 1,146 |
| Equity capital to assets | 7.0819% | 3,750 |
| Core capital (leverage) ratio | 9.3196% | 3,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5677% | 1,200 |
| Memoranda: | ||
| Average total assets | $681,798,667 | 1,325 |
| Average earning assets | $633,176,333 | 1,317 |
| Average equity | $48,244,333 | 1,644 |
| Average total loans | $419,679,333 | 1,405 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7647% | 3,917 |
| Cost of funding earning assets | 1.2802% | 1,272 |
| Net interest margin | 2.4844% | 4,322 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 2.6540% | 1,799 |
| Loan and lease loss provision to assets | -0.0300% | 4,479 |
| Net operating income to assets | 0.2899% | 4,263 |
| Return on assets (ROA) | 0.1056% | 4,402 |
| Pretax return on assets | 0.0875% | 4,413 |
| Return on Equity (ROE) | 1.4900% | 4,343 |
| Retained earnings to average equity (ytd only) | -0.9814% | 4,124 |
| Net charge-offs to loans | 0.0076% | 1,666 |
| Credit loss provision to net charge-offs | -687.5000% | 4,639 |
| Earnings coverage of net charge-offs (x) | 51.3750% | 1,097 |
| Efficiency ratio | 91.7154% | 316 |
| Assets per employee ($millions) | 6.1931% | 2,587 |
| Cash dividends to net income (ytd only)* | 165.7459% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9763% | 3,614 |
| Loan loss allowance to noncurrent loans | 319.8276% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.1920% | 2,184 |
| Noncurrent loans to loans | 0.3052% | 2,053 |
| Net loans and leases to total assets | 60.2200% | 2,624 |
| Net loans and leases to deposits | 67.4785% | 2,815 |
| Net loans and leases to core deposits | 70.8602% | 2,889 |
| Total domestic deposits to total assets | 89.2400% | 1,448 |
| Equity capital to assets | 7.2631% | 3,696 |
| Core capital (leverage) ratio | 9.3473% | 3,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6028% | 1,235 |
| Memoranda: | ||
| Average total assets | $685,755,500 | 1,335 |
| Average earning assets | $637,084,000 | 1,330 |
| Average equity | $48,504,500 | 1,646 |
| Average total loans | $420,011,000 | 1,418 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2514% | 3,708 |
| Cost of funding earning assets | 0.5353% | 1,189 |
| Net interest margin | 2.7161% | 4,034 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.5195% | 2,053 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.5069% | 4,081 |
| Return on assets (ROA) | 0.5026% | 4,046 |
| Pretax return on assets | 0.5813% | 4,061 |
| Return on Equity (ROE) | 6.8000% | 3,673 |
| Retained earnings to average equity (ytd only) | 4.3064% | 3,296 |
| Net charge-offs to loans | -0.0005% | 3,301 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.5293% | 679 |
| Assets per employee ($millions) | 6.3340% | 2,482 |
| Cash dividends to net income (ytd only)* | 36.6246% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8628% | 3,886 |
| Loan loss allowance to noncurrent loans | 214.8083% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.2478% | 1,913 |
| Noncurrent loans to loans | 0.4017% | 1,720 |
| Net loans and leases to total assets | 61.1600% | 2,533 |
| Net loans and leases to deposits | 67.2290% | 2,792 |
| Net loans and leases to core deposits | 69.8577% | 2,885 |
| Total domestic deposits to total assets | 90.9700% | 971 |
| Equity capital to assets | 6.8823% | 3,720 |
| Core capital (leverage) ratio | 9.6128% | 3,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3850% | 1,270 |
| Memoranda: | ||
| Average total assets | $693,228,600 | 1,318 |
| Average earning assets | $648,362,000 | 1,305 |
| Average equity | $51,272,400 | 1,586 |
| Average total loans | $407,286,000 | 1,373 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1284% | 3,606 |
| Cost of funding earning assets | 0.4023% | 1,272 |
| Net interest margin | 2.7261% | 3,874 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.4930% | 2,030 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.5287% | 4,017 |
| Return on assets (ROA) | 0.5230% | 3,971 |
| Pretax return on assets | 0.6065% | 3,976 |
| Return on Equity (ROE) | 6.9500% | 3,604 |
| Retained earnings to average equity (ytd only) | 4.4647% | 3,301 |
| Net charge-offs to loans | -0.0003% | 3,121 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.2794% | 815 |
| Assets per employee ($millions) | 6.4898% | 2,323 |
| Cash dividends to net income (ytd only)* | 35.7771% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8784% | 3,918 |
| Loan loss allowance to noncurrent loans | 320.1739% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 2,451 |
| Noncurrent loans to loans | 0.2743% | 2,276 |
| Net loans and leases to total assets | 60.4000% | 2,457 |
| Net loans and leases to deposits | 64.9466% | 2,797 |
| Net loans and leases to core deposits | 66.9182% | 2,884 |
| Total domestic deposits to total assets | 93.0000% | 581 |
| Equity capital to assets | 6.3391% | 3,827 |
| Core capital (leverage) ratio | 9.1897% | 3,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1654% | 1,378 |
| Memoranda: | ||
| Average total assets | $695,516,750 | 1,322 |
| Average earning assets | $651,516,750 | 1,311 |
| Average equity | $52,320,500 | 1,586 |
| Average total loans | $403,608,750 | 1,371 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8479% | 3,899 |
| Cost of funding earning assets | 0.3307% | 1,435 |
| Net interest margin | 2.5172% | 4,062 |
| Noninterest income to average assets | 0.5980% | 1,750 |
| Noninterest expense to average assets | 2.4832% | 1,981 |
| Loan and lease loss provision to assets | 0.0716% | 1,337 |
| Net operating income to assets | 0.3664% | 4,176 |
| Return on assets (ROA) | 0.3656% | 4,136 |
| Pretax return on assets | 0.4063% | 4,147 |
| Return on Equity (ROE) | 4.6211% | 3,888 |
| Retained earnings to average equity (ytd only) | 2.9407% | 3,464 |
| Net charge-offs to loans | -0.0025% | 3,175 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8363% | 690 |
| Assets per employee ($millions) | 6.4095% | 2,382 |
| Cash dividends to net income (ytd only)* | 36.3636% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8930% | 3,973 |
| Loan loss allowance to noncurrent loans | 378.9047% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.1398% | 2,736 |
| Noncurrent loans to loans | 0.2357% | 2,536 |
| Net loans and leases to total assets | 58.8059% | 2,456 |
| Net loans and leases to deposits | 64.2632% | 2,691 |
| Net loans and leases to core deposits | 66.3336% | 2,789 |
| Total domestic deposits to total assets | 91.5079% | 1,025 |
| Equity capital to assets | 7.0444% | 3,744 |
| Core capital (leverage) ratio | 9.1019% | 3,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8850% | 1,462 |
| Memoranda: | ||
| Average total assets | $698,050,333 | 1,323 |
| Average earning assets | $655,565,333 | 1,319 |
| Average equity | $55,224,667 | 1,543 |
| Average total loans | $398,419,667 | 1,386 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7688% | 3,808 |
| Cost of funding earning assets | 0.3166% | 1,499 |
| Net interest margin | 2.4523% | 3,988 |
| Noninterest income to average assets | 0.6116% | 1,644 |
| Noninterest expense to average assets | 2.5294% | 1,806 |
| Loan and lease loss provision to assets | 0.1440% | 559 |
| Net operating income to assets | 0.2379% | 4,266 |
| Return on assets (ROA) | 0.2396% | 4,234 |
| Pretax return on assets | 0.2465% | 4,274 |
| Return on Equity (ROE) | 2.8688% | 4,119 |
| Retained earnings to average equity (ytd only) | 0.6275% | 3,894 |
| Net charge-offs to loans | -0.0041% | 3,283 |
| Credit loss provision to net charge-offs | -6,250.0000% | 3,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6785% | 695 |
| Assets per employee ($millions) | 6.3671% | 2,484 |
| Cash dividends to net income (ytd only)* | 78.1250% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9488% | 3,906 |
| Loan loss allowance to noncurrent loans | 438.3803% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.1228% | 2,958 |
| Noncurrent loans to loans | 0.2164% | 2,736 |
| Net loans and leases to total assets | 56.1843% | 2,512 |
| Net loans and leases to deposits | 61.0762% | 2,800 |
| Net loans and leases to core deposits | 63.0549% | 2,884 |
| Total domestic deposits to total assets | 91.9904% | 581 |
| Equity capital to assets | 7.7433% | 3,770 |
| Core capital (leverage) ratio | 9.0647% | 3,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7255% | 1,330 |
| Memoranda: | ||
| Average total assets | $694,554,500 | 1,330 |
| Average earning assets | $653,275,000 | 1,322 |
| Average equity | $58,004,000 | 1,524 |
| Average total loans | $388,458,500 | 1,401 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9510% | 3,961 |
| Cost of funding earning assets | 0.3753% | 1,714 |
| Net interest margin | 2.5757% | 4,088 |
| Noninterest income to average assets | 0.8265% | 1,389 |
| Noninterest expense to average assets | 2.4656% | 2,292 |
| Loan and lease loss provision to assets | -0.0296% | 4,272 |
| Net operating income to assets | 0.6823% | 3,667 |
| Return on assets (ROA) | 0.7079% | 3,658 |
| Pretax return on assets | 0.8413% | 3,640 |
| Return on Equity (ROE) | 7.5664% | 3,356 |
| Retained earnings to average equity (ytd only) | 5.2667% | 2,686 |
| Net charge-offs to loans | 0.0124% | 2,101 |
| Credit loss provision to net charge-offs | -421.7391% | 3,719 |
| Earnings coverage of net charge-offs (x) | 111.2609% | 827 |
| Efficiency ratio | 75.9436% | 1,111 |
| Assets per employee ($millions) | 6.3770% | 2,430 |
| Cash dividends to net income (ytd only)* | 30.3945% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9083% | 4,047 |
| Loan loss allowance to noncurrent loans | 449.7416% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.1114% | 3,150 |
| Noncurrent loans to loans | 0.2020% | 2,939 |
| Net loans and leases to total assets | 54.6363% | 2,774 |
| Net loans and leases to deposits | 60.3189% | 3,048 |
| Net loans and leases to core deposits | 62.2653% | 3,137 |
| Total domestic deposits to total assets | 90.5791% | 682 |
| Equity capital to assets | 8.9583% | 3,666 |
| Core capital (leverage) ratio | 9.1216% | 3,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2464% | 1,203 |
| Memoranda: | ||
| Average total assets | $655,296,600 | 1,356 |
| Average earning assets | $615,714,400 | 1,348 |
| Average equity | $61,310,200 | 1,490 |
| Average total loans | $370,433,600 | 1,458 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0046% | 3,991 |
| Cost of funding earning assets | 0.3889% | 1,786 |
| Net interest margin | 2.6157% | 4,109 |
| Noninterest income to average assets | 0.8396% | 1,415 |
| Noninterest expense to average assets | 2.5726% | 1,920 |
| Loan and lease loss provision to assets | 0.0051% | 2,875 |
| Net operating income to assets | 0.6067% | 3,995 |
| Return on assets (ROA) | 0.6380% | 3,992 |
| Pretax return on assets | 0.7531% | 3,975 |
| Return on Equity (ROE) | 6.7417% | 3,733 |
| Retained earnings to average equity (ytd only) | 4.4428% | 3,427 |
| Net charge-offs to loans | 0.0167% | 1,731 |
| Credit loss provision to net charge-offs | 54.3478% | 1,835 |
| Earnings coverage of net charge-offs (x) | 75.8913% | 1,008 |
| Efficiency ratio | 78.1032% | 864 |
| Assets per employee ($millions) | 6.1238% | 2,568 |
| Cash dividends to net income (ytd only)* | 34.0997% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 3,840 |
| Loan loss allowance to noncurrent loans | 385.4167% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.1400% | 3,177 |
| Noncurrent loans to loans | 0.2598% | 2,891 |
| Net loans and leases to total assets | 53.3464% | 3,041 |
| Net loans and leases to deposits | 58.8983% | 3,333 |
| Net loans and leases to core deposits | 60.8221% | 3,411 |
| Total domestic deposits to total assets | 90.5736% | 520 |
| Equity capital to assets | 8.9626% | 3,865 |
| Core capital (leverage) ratio | 9.2152% | 3,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6470% | 1,204 |
| Memoranda: | ||
| Average total assets | $645,348,000 | 1,384 |
| Average earning assets | $605,508,250 | 1,381 |
| Average equity | $61,070,750 | 1,517 |
| Average total loans | $367,228,750 | 1,496 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0610% | 3,936 |
| Cost of funding earning assets | 0.4114% | 1,789 |
| Net interest margin | 2.6496% | 4,082 |
| Noninterest income to average assets | 0.8429% | 1,414 |
| Noninterest expense to average assets | 2.6298% | 1,775 |
| Loan and lease loss provision to assets | 0.0079% | 2,757 |
| Net operating income to assets | 0.5838% | 4,014 |
| Return on assets (ROA) | 0.6271% | 3,984 |
| Pretax return on assets | 0.7394% | 3,990 |
| Return on Equity (ROE) | 6.5018% | 3,784 |
| Retained earnings to average equity (ytd only) | 4.0369% | 3,502 |
| Net charge-offs to loans | 0.0257% | 1,432 |
| Credit loss provision to net charge-offs | 53.1915% | 1,593 |
| Earnings coverage of net charge-offs (x) | 46.7872% | 1,096 |
| Efficiency ratio | 79.0711% | 842 |
| Assets per employee ($millions) | 6.0486% | 2,566 |
| Cash dividends to net income (ytd only)* | 37.9101% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 3,779 |
| Loan loss allowance to noncurrent loans | 312.6796% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.1811% | 3,057 |
| Noncurrent loans to loans | 0.3237% | 2,760 |
| Net loans and leases to total assets | 55.3800% | 2,971 |
| Net loans and leases to deposits | 61.4229% | 3,261 |
| Net loans and leases to core deposits | 63.3377% | 3,350 |
| Total domestic deposits to total assets | 90.1618% | 695 |
| Equity capital to assets | 9.3718% | 3,448 |
| Core capital (leverage) ratio | 9.3800% | 3,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8797% | 1,152 |
| Memoranda: | ||
| Average total assets | $631,843,000 | 1,401 |
| Average earning assets | $592,100,000 | 1,400 |
| Average equity | $60,937,333 | 1,506 |
| Average total loans | $366,444,000 | 1,500 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1414% | 3,799 |
| Cost of funding earning assets | 0.4585% | 1,660 |
| Net interest margin | 2.6829% | 3,999 |
| Noninterest income to average assets | 0.9454% | 1,227 |
| Noninterest expense to average assets | 2.6873% | 1,648 |
| Loan and lease loss provision to assets | 0.0161% | 2,565 |
| Net operating income to assets | 0.6321% | 3,859 |
| Return on assets (ROA) | 0.6665% | 3,859 |
| Pretax return on assets | 0.7889% | 3,832 |
| Return on Equity (ROE) | 6.8097% | 3,654 |
| Retained earnings to average equity (ytd only) | 4.1582% | 3,457 |
| Net charge-offs to loans | -0.0022% | 3,154 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8690% | 963 |
| Assets per employee ($millions) | 6.0073% | 2,596 |
| Cash dividends to net income (ytd only)* | 38.9372% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0221% | 3,760 |
| Loan loss allowance to noncurrent loans | 329.9296% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.1801% | 3,268 |
| Noncurrent loans to loans | 0.3098% | 2,995 |
| Net loans and leases to total assets | 57.5438% | 2,851 |
| Net loans and leases to deposits | 63.9224% | 3,130 |
| Net loans and leases to core deposits | 66.2802% | 3,218 |
| Total domestic deposits to total assets | 90.0213% | 805 |
| Equity capital to assets | 9.5475% | 3,153 |
| Core capital (leverage) ratio | 9.6609% | 2,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9339% | 1,079 |
| Memoranda: | ||
| Average total assets | $621,140,000 | 1,409 |
| Average earning assets | $580,127,000 | 1,410 |
| Average equity | $60,795,500 | 1,503 |
| Average total loans | $366,932,000 | 1,502 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5632% | 3,893 |
| Cost of funding earning assets | 0.6485% | 2,001 |
| Net interest margin | 2.9148% | 4,084 |
| Noninterest income to average assets | 0.9597% | 1,121 |
| Noninterest expense to average assets | 2.7151% | 2,196 |
| Loan and lease loss provision to assets | 0.0472% | 3,807 |
| Net operating income to assets | 0.7756% | 3,179 |
| Return on assets (ROA) | 0.7849% | 3,273 |
| Pretax return on assets | 0.9390% | 3,255 |
| Return on Equity (ROE) | 7.5932% | 2,966 |
| Retained earnings to average equity (ytd only) | 5.2545% | 2,160 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6011% | 1,494 |
| Assets per employee ($millions) | 5.8240% | 2,521 |
| Cash dividends to net income (ytd only)* | 30.8001% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0135% | 3,817 |
| Loan loss allowance to noncurrent loans | 259.1226% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.2796% | 2,895 |
| Noncurrent loans to loans | 0.3911% | 2,810 |
| Net loans and leases to total assets | 59.4309% | 2,929 |
| Net loans and leases to deposits | 66.6066% | 3,217 |
| Net loans and leases to core deposits | 69.4568% | 3,287 |
| Total domestic deposits to total assets | 89.2268% | 885 |
| Equity capital to assets | 10.0355% | 3,100 |
| Core capital (leverage) ratio | 9.8220% | 2,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1561% | 1,029 |
| Memoranda: | ||
| Average total assets | $571,650,800 | 1,393 |
| Average earning assets | $535,270,200 | 1,382 |
| Average equity | $59,092,600 | 1,465 |
| Average total loans | $371,259,600 | 1,443 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6460% | 3,918 |
| Cost of funding earning assets | 0.6940% | 2,059 |
| Net interest margin | 2.9520% | 4,081 |
| Noninterest income to average assets | 0.9265% | 1,160 |
| Noninterest expense to average assets | 2.7661% | 2,069 |
| Loan and lease loss provision to assets | 0.0582% | 3,623 |
| Net operating income to assets | 0.7327% | 3,345 |
| Return on assets (ROA) | 0.7378% | 3,426 |
| Pretax return on assets | 0.8792% | 3,434 |
| Return on Equity (ROE) | 7.0807% | 3,163 |
| Retained earnings to average equity (ytd only) | 5.0577% | 2,531 |
| Net charge-offs to loans | -0.0011% | 3,820 |
| Credit loss provision to net charge-offs | -8,166.6667% | 4,314 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8378% | 1,321 |
| Assets per employee ($millions) | 5.6196% | 2,612 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 3,670 |
| Loan loss allowance to noncurrent loans | 252.3874% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.3081% | 2,926 |
| Noncurrent loans to loans | 0.3998% | 2,860 |
| Net loans and leases to total assets | 61.5109% | 3,068 |
| Net loans and leases to deposits | 69.1139% | 3,388 |
| Net loans and leases to core deposits | 72.4368% | 3,441 |
| Total domestic deposits to total assets | 88.9993% | 768 |
| Equity capital to assets | 10.2559% | 3,003 |
| Core capital (leverage) ratio | 9.9622% | 2,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2017% | 1,023 |
| Memoranda: | ||
| Average total assets | $561,684,250 | 1,391 |
| Average earning assets | $526,994,750 | 1,381 |
| Average equity | $58,523,500 | 1,465 |
| Average total loans | $372,286,750 | 1,434 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7490% | 3,983 |
| Cost of funding earning assets | 0.7531% | 2,101 |
| Net interest margin | 2.9960% | 4,130 |
| Noninterest income to average assets | 0.8160% | 1,392 |
| Noninterest expense to average assets | 2.7626% | 2,180 |
| Loan and lease loss provision to assets | 0.0800% | 3,290 |
| Net operating income to assets | 0.6624% | 3,540 |
| Return on assets (ROA) | 0.6642% | 3,619 |
| Pretax return on assets | 0.7863% | 3,628 |
| Return on Equity (ROE) | 6.3395% | 3,383 |
| Retained earnings to average equity (ytd only) | 4.6527% | 2,636 |
| Net charge-offs to loans | -0.0037% | 3,926 |
| Credit loss provision to net charge-offs | -3,157.1429% | 4,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1962% | 1,247 |
| Assets per employee ($millions) | 5.3719% | 2,764 |
| Cash dividends to net income (ytd only)* | 26.6085% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9918% | 3,615 |
| Loan loss allowance to noncurrent loans | 196.7380% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.3925% | 2,724 |
| Noncurrent loans to loans | 0.5041% | 2,637 |
| Net loans and leases to total assets | 63.8961% | 2,895 |
| Net loans and leases to deposits | 71.8165% | 3,277 |
| Net loans and leases to core deposits | 76.0928% | 3,277 |
| Total domestic deposits to total assets | 88.9714% | 757 |
| Equity capital to assets | 10.3304% | 2,903 |
| Core capital (leverage) ratio | 10.1468% | 2,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1253% | 1,034 |
| Memoranda: | ||
| Average total assets | $552,225,667 | 1,388 |
| Average earning assets | $517,891,333 | 1,380 |
| Average equity | $57,859,333 | 1,463 |
| Average total loans | $374,165,333 | 1,419 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9415% | 3,954 |
| Cost of funding earning assets | 0.8151% | 2,298 |
| Net interest margin | 3.1264% | 4,040 |
| Noninterest income to average assets | 0.7794% | 1,371 |
| Noninterest expense to average assets | 2.8750% | 2,197 |
| Loan and lease loss provision to assets | 0.1257% | 2,135 |
| Net operating income to assets | 0.6067% | 3,580 |
| Return on assets (ROA) | 0.6019% | 3,646 |
| Pretax return on assets | 0.7069% | 3,665 |
| Return on Equity (ROE) | 5.7023% | 3,421 |
| Retained earnings to average equity (ytd only) | 4.3363% | 2,561 |
| Net charge-offs to loans | -0.0362% | 4,531 |
| Credit loss provision to net charge-offs | -500.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4502% | 1,406 |
| Assets per employee ($millions) | 5.2304% | 2,392 |
| Cash dividends to net income (ytd only)* | 23.9558% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9699% | 3,843 |
| Loan loss allowance to noncurrent loans | 178.6028% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.4087% | 2,823 |
| Noncurrent loans to loans | 0.5430% | 2,638 |
| Net loans and leases to total assets | 68.6244% | 2,447 |
| Net loans and leases to deposits | 77.6587% | 2,923 |
| Net loans and leases to core deposits | 83.1869% | 2,920 |
| Total domestic deposits to total assets | 88.3667% | 945 |
| Equity capital to assets | 10.6559% | 3,189 |
| Core capital (leverage) ratio | 10.5086% | 2,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6829% | 1,196 |
| Memoranda: | ||
| Average total assets | $540,944,000 | 1,375 |
| Average earning assets | $507,420,500 | 1,358 |
| Average equity | $57,100,000 | 1,467 |
| Average total loans | $375,774,500 | 1,365 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0576% | 4,131 |
| Cost of funding earning assets | 0.8839% | 2,264 |
| Net interest margin | 3.1736% | 4,242 |
| Noninterest income to average assets | 0.7175% | 1,753 |
| Noninterest expense to average assets | 2.8854% | 2,336 |
| Loan and lease loss provision to assets | 0.0656% | 2,705 |
| Net operating income to assets | 0.6286% | 4,075 |
| Return on assets (ROA) | 0.6365% | 4,120 |
| Pretax return on assets | 0.7404% | 4,109 |
| Return on Equity (ROE) | 6.3186% | 3,809 |
| Retained earnings to average equity (ytd only) | 3.9658% | 2,979 |
| Net charge-offs to loans | 0.0179% | 3,075 |
| Credit loss provision to net charge-offs | 541.5385% | 547 |
| Earnings coverage of net charge-offs (x) | 65.7538% | 923 |
| Efficiency ratio | 77.1761% | 1,244 |
| Assets per employee ($millions) | 5.1723% | 2,367 |
| Cash dividends to net income (ytd only)* | 37.2365% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9212% | 3,872 |
| Loan loss allowance to noncurrent loans | 160.0649% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.4008% | 2,795 |
| Noncurrent loans to loans | 0.5755% | 2,464 |
| Net loans and leases to total assets | 68.9967% | 2,541 |
| Net loans and leases to deposits | 77.9534% | 3,011 |
| Net loans and leases to core deposits | 83.3721% | 3,012 |
| Total domestic deposits to total assets | 88.5103% | 880 |
| Equity capital to assets | 10.4543% | 3,494 |
| Core capital (leverage) ratio | 10.3716% | 3,102 |
| Tier 1 risk-based capital ratio | 16.4541% | 2,234 |
| Total risk-based capital ratio | 17.4698% | 2,270 |
| Memoranda: | ||
| Average total assets | $536,707,000 | 1,339 |
| Average earning assets | $501,285,600 | 1,328 |
| Average equity | $54,062,200 | 1,493 |
| Average total loans | $363,204,000 | 1,375 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0499% | 4,258 |
| Cost of funding earning assets | 0.8841% | 2,298 |
| Net interest margin | 3.1658% | 4,368 |
| Noninterest income to average assets | 0.7005% | 1,783 |
| Noninterest expense to average assets | 2.8237% | 2,502 |
| Loan and lease loss provision to assets | 0.0629% | 2,633 |
| Net operating income to assets | 0.6595% | 4,133 |
| Return on assets (ROA) | 0.6706% | 4,165 |
| Pretax return on assets | 0.7812% | 4,171 |
| Return on Equity (ROE) | 6.7215% | 3,803 |
| Retained earnings to average equity (ytd only) | 4.5291% | 3,128 |
| Net charge-offs to loans | 0.0089% | 3,047 |
| Credit loss provision to net charge-offs | 1,054.1667% | 332 |
| Earnings coverage of net charge-offs (x) | 139.2881% | 571 |
| Efficiency ratio | 76.0389% | 1,327 |
| Assets per employee ($millions) | 5.0804% | 2,464 |
| Cash dividends to net income (ytd only)* | 32.6167% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9156% | 3,983 |
| Loan loss allowance to noncurrent loans | 149.3398% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.4180% | 2,837 |
| Noncurrent loans to loans | 0.6131% | 2,443 |
| Net loans and leases to total assets | 67.5441% | 2,863 |
| Net loans and leases to deposits | 75.6511% | 3,330 |
| Net loans and leases to core deposits | 80.7210% | 3,335 |
| Total domestic deposits to total assets | 89.2836% | 525 |
| Equity capital to assets | 10.1724% | 3,851 |
| Core capital (leverage) ratio | 10.3450% | 3,265 |
| Tier 1 risk-based capital ratio | 16.7105% | 2,181 |
| Total risk-based capital ratio | 17.7306% | 2,211 |
| Memoranda: | ||
| Average total assets | $536,402,750 | 1,342 |
| Average earning assets | $500,545,250 | 1,334 |
| Average equity | $53,518,750 | 1,504 |
| Average total loans | $360,354,750 | 1,393 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0273% | 4,322 |
| Cost of funding earning assets | 0.8792% | 2,246 |
| Net interest margin | 3.1482% | 4,457 |
| Noninterest income to average assets | 0.6580% | 1,883 |
| Noninterest expense to average assets | 2.8573% | 2,393 |
| Loan and lease loss provision to assets | 0.0476% | 2,863 |
| Net operating income to assets | 0.5957% | 4,317 |
| Return on assets (ROA) | 0.6052% | 4,334 |
| Pretax return on assets | 0.6985% | 4,334 |
| Return on Equity (ROE) | 6.1066% | 4,017 |
| Retained earnings to average equity (ytd only) | 4.0169% | 3,242 |
| Net charge-offs to loans | 0.0134% | 2,652 |
| Credit loss provision to net charge-offs | 529.1667% | 576 |
| Earnings coverage of net charge-offs (x) | 81.7917% | 803 |
| Efficiency ratio | 78.2944% | 1,112 |
| Assets per employee ($millions) | 4.8567% | 2,657 |
| Cash dividends to net income (ytd only)* | 34.2203% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9001% | 4,090 |
| Loan loss allowance to noncurrent loans | 148.5896% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.4114% | 2,864 |
| Noncurrent loans to loans | 0.6058% | 2,445 |
| Net loans and leases to total assets | 67.3034% | 2,924 |
| Net loans and leases to deposits | 75.3120% | 3,387 |
| Net loans and leases to core deposits | 80.2021% | 3,401 |
| Total domestic deposits to total assets | 89.3661% | 514 |
| Equity capital to assets | 10.1624% | 3,824 |
| Core capital (leverage) ratio | 10.2572% | 3,327 |
| Tier 1 risk-based capital ratio | 16.6519% | 2,188 |
| Total risk-based capital ratio | 17.6439% | 2,214 |
| Memoranda: | ||
| Average total assets | $534,004,000 | 1,349 |
| Average earning assets | $497,749,330 | 1,339 |
| Average equity | $52,926,000 | 1,515 |
| Average total loans | $356,952,330 | 1,410 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0027% | 4,360 |
| Cost of funding earning assets | 0.8634% | 2,191 |
| Net interest margin | 3.1393% | 4,517 |
| Noninterest income to average assets | 0.6578% | 1,793 |
| Noninterest expense to average assets | 2.8141% | 2,525 |
| Loan and lease loss provision to assets | 0.0337% | 2,956 |
| Net operating income to assets | 0.6345% | 4,139 |
| Return on assets (ROA) | 0.6383% | 4,165 |
| Pretax return on assets | 0.7402% | 4,196 |
| Return on Equity (ROE) | 6.5234% | 3,834 |
| Retained earnings to average equity (ytd only) | 4.5020% | 3,121 |
| Net charge-offs to loans | 0.0056% | 2,501 |
| Credit loss provision to net charge-offs | 900.0000% | 396 |
| Earnings coverage of net charge-offs (x) | 205.4000% | 378 |
| Efficiency ratio | 77.2319% | 1,357 |
| Assets per employee ($millions) | 4.8501% | 2,707 |
| Cash dividends to net income (ytd only)* | 30.9859% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9000% | 4,153 |
| Loan loss allowance to noncurrent loans | 130.0975% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.5183% | 2,554 |
| Noncurrent loans to loans | 0.6918% | 2,290 |
| Net loans and leases to total assets | 66.1073% | 3,038 |
| Net loans and leases to deposits | 73.7994% | 3,468 |
| Net loans and leases to core deposits | 78.3527% | 3,491 |
| Total domestic deposits to total assets | 89.5771% | 611 |
| Equity capital to assets | 9.9329% | 3,886 |
| Core capital (leverage) ratio | 10.2454% | 3,339 |
| Tier 1 risk-based capital ratio | 16.8457% | 2,157 |
| Total risk-based capital ratio | 17.8384% | 2,188 |
| Memoranda: | ||
| Average total assets | $533,885,000 | 1,354 |
| Average earning assets | $497,560,500 | 1,344 |
| Average equity | $52,243,000 | 1,519 |
| Average total loans | $354,014,000 | 1,425 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8607% | 4,366 |
| Cost of funding earning assets | 0.7953% | 1,542 |
| Net interest margin | 3.0654% | 4,707 |
| Noninterest income to average assets | 0.6837% | 1,915 |
| Noninterest expense to average assets | 2.7948% | 2,709 |
| Loan and lease loss provision to assets | 0.0873% | 2,403 |
| Net operating income to assets | 0.5676% | 4,508 |
| Return on assets (ROA) | 0.5647% | 4,515 |
| Pretax return on assets | 0.6462% | 4,542 |
| Return on Equity (ROE) | 6.0186% | 4,170 |
| Retained earnings to average equity (ytd only) | 3.8662% | 3,454 |
| Net charge-offs to loans | 0.0604% | 2,270 |
| Credit loss provision to net charge-offs | 224.6305% | 1,306 |
| Earnings coverage of net charge-offs (x) | 18.9606% | 2,095 |
| Efficiency ratio | 77.6856% | 1,164 |
| Assets per employee ($millions) | 4.9931% | 2,514 |
| Cash dividends to net income (ytd only)* | 35.7627% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8982% | 4,167 |
| Loan loss allowance to noncurrent loans | 158.3876% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.4466% | 2,780 |
| Noncurrent loans to loans | 0.5671% | 2,569 |
| Net loans and leases to total assets | 65.3189% | 3,220 |
| Net loans and leases to deposits | 73.0701% | 3,581 |
| Net loans and leases to core deposits | 77.9410% | 3,586 |
| Total domestic deposits to total assets | 89.3921% | 699 |
| Equity capital to assets | 9.6382% | 4,016 |
| Core capital (leverage) ratio | 10.0887% | 3,475 |
| Tier 1 risk-based capital ratio | 17.0347% | 2,053 |
| Total risk-based capital ratio | 18.0369% | 2,084 |
| Memoranda: | ||
| Average total assets | $522,443,400 | 1,348 |
| Average earning assets | $485,356,800 | 1,348 |
| Average equity | $49,014,600 | 1,538 |
| Average total loans | $336,341,600 | 1,456 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8155% | 4,404 |
| Cost of funding earning assets | 0.7713% | 1,474 |
| Net interest margin | 3.0442% | 4,789 |
| Noninterest income to average assets | 0.6724% | 1,969 |
| Noninterest expense to average assets | 2.8076% | 2,613 |
| Loan and lease loss provision to assets | 0.0665% | 2,651 |
| Net operating income to assets | 0.5468% | 4,649 |
| Return on assets (ROA) | 0.5439% | 4,664 |
| Pretax return on assets | 0.6201% | 4,699 |
| Return on Equity (ROE) | 5.8379% | 4,307 |
| Retained earnings to average equity (ytd only) | 3.7579% | 3,897 |
| Net charge-offs to loans | 0.0469% | 2,160 |
| Credit loss provision to net charge-offs | 221.3675% | 1,286 |
| Earnings coverage of net charge-offs (x) | 22.9738% | 1,858 |
| Efficiency ratio | 78.7554% | 1,049 |
| Assets per employee ($millions) | 4.9674% | 2,509 |
| Cash dividends to net income (ytd only)* | 35.6300% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8925% | 4,292 |
| Loan loss allowance to noncurrent loans | 139.0888% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.4993% | 2,702 |
| Noncurrent loans to loans | 0.6417% | 2,479 |
| Net loans and leases to total assets | 63.7833% | 3,453 |
| Net loans and leases to deposits | 70.6910% | 3,866 |
| Net loans and leases to core deposits | 75.2053% | 3,859 |
| Total domestic deposits to total assets | 90.2283% | 432 |
| Equity capital to assets | 9.1166% | 4,448 |
| Core capital (leverage) ratio | 10.2324% | 3,364 |
| Tier 1 risk-based capital ratio | 17.2152% | 2,012 |
| Total risk-based capital ratio | 18.2026% | 2,076 |
| Memoranda: | ||
| Average total assets | $519,488,750 | 1,358 |
| Average earning assets | $482,089,000 | 1,366 |
| Average equity | $48,395,000 | 1,556 |
| Average total loans | $332,392,750 | 1,472 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7748% | 4,403 |
| Cost of funding earning assets | 0.7445% | 1,399 |
| Net interest margin | 3.0303% | 4,838 |
| Noninterest income to average assets | 0.6662% | 2,022 |
| Noninterest expense to average assets | 2.8486% | 2,508 |
| Loan and lease loss provision to assets | 0.0694% | 2,494 |
| Net operating income to assets | 0.4976% | 4,757 |
| Return on assets (ROA) | 0.4931% | 4,766 |
| Pretax return on assets | 0.5556% | 4,806 |
| Return on Equity (ROE) | 5.2548% | 4,474 |
| Retained earnings to average equity (ytd only) | 3.1256% | 4,000 |
| Net charge-offs to loans | 0.0304% | 2,251 |
| Credit loss provision to net charge-offs | 358.0000% | 886 |
| Earnings coverage of net charge-offs (x) | 32.4800% | 1,436 |
| Efficiency ratio | 80.2476% | 986 |
| Assets per employee ($millions) | 5.1938% | 2,197 |
| Cash dividends to net income (ytd only)* | 40.5193% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9050% | 4,314 |
| Loan loss allowance to noncurrent loans | 131.0479% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.4547% | 2,912 |
| Noncurrent loans to loans | 0.6906% | 2,381 |
| Net loans and leases to total assets | 63.4323% | 3,460 |
| Net loans and leases to deposits | 70.3192% | 3,829 |
| Net loans and leases to core deposits | 74.5355% | 3,842 |
| Total domestic deposits to total assets | 90.2062% | 501 |
| Equity capital to assets | 9.2026% | 4,382 |
| Core capital (leverage) ratio | 10.1803% | 3,382 |
| Tier 1 risk-based capital ratio | 17.3501% | 1,986 |
| Total risk-based capital ratio | 18.3525% | 2,011 |
| Memoranda: | ||
| Average total assets | $515,480,000 | 1,373 |
| Average earning assets | $478,441,000 | 1,378 |
| Average equity | $48,374,670 | 1,560 |
| Average total loans | $329,166,670 | 1,484 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7138% | 4,437 |
| Cost of funding earning assets | 0.7065% | 1,403 |
| Net interest margin | 3.0073% | 4,872 |
| Noninterest income to average assets | 0.6631% | 1,986 |
| Noninterest expense to average assets | 2.8654% | 2,482 |
| Loan and lease loss provision to assets | 0.0274% | 3,159 |
| Net operating income to assets | 0.4994% | 4,693 |
| Return on assets (ROA) | 0.4987% | 4,701 |
| Pretax return on assets | 0.5621% | 4,764 |
| Return on Equity (ROE) | 5.2618% | 4,395 |
| Retained earnings to average equity (ytd only) | 2.9902% | 4,005 |
| Net charge-offs to loans | 0.0098% | 2,396 |
| Credit loss provision to net charge-offs | 437.5000% | 652 |
| Earnings coverage of net charge-offs (x) | 94.2500% | 642 |
| Efficiency ratio | 81.3548% | 1,015 |
| Assets per employee ($millions) | 4.8052% | 2,733 |
| Cash dividends to net income (ytd only)* | 43.1711% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8931% | 4,478 |
| Loan loss allowance to noncurrent loans | 147.5138% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.3872% | 3,289 |
| Noncurrent loans to loans | 0.6055% | 2,734 |
| Net loans and leases to total assets | 63.3858% | 3,385 |
| Net loans and leases to deposits | 70.3663% | 3,755 |
| Net loans and leases to core deposits | 74.3383% | 3,791 |
| Total domestic deposits to total assets | 90.0797% | 632 |
| Equity capital to assets | 9.3644% | 4,217 |
| Core capital (leverage) ratio | 10.2240% | 3,271 |
| Tier 1 risk-based capital ratio | 17.6208% | 1,942 |
| Total risk-based capital ratio | 18.6117% | 1,963 |
| Memoranda: | ||
| Average total assets | $510,931,000 | 1,396 |
| Average earning assets | $474,448,500 | 1,400 |
| Average equity | $48,424,500 | 1,571 |
| Average total loans | $325,854,500 | 1,502 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6215% | 4,528 |
| Cost of funding earning assets | 0.6084% | 1,542 |
| Net interest margin | 3.0132% | 4,855 |
| Noninterest income to average assets | 0.6987% | 1,973 |
| Noninterest expense to average assets | 2.8027% | 2,762 |
| Loan and lease loss provision to assets | 0.0452% | 3,337 |
| Net operating income to assets | 0.4144% | 4,646 |
| Return on assets (ROA) | 0.4093% | 4,681 |
| Pretax return on assets | 0.6364% | 4,663 |
| Return on Equity (ROE) | 4.2252% | 4,428 |
| Retained earnings to average equity (ytd only) | 2.1516% | 4,031 |
| Net charge-offs to loans | 0.0304% | 3,191 |
| Credit loss provision to net charge-offs | 238.9474% | 1,163 |
| Earnings coverage of net charge-offs (x) | 36.4316% | 1,339 |
| Efficiency ratio | 78.7013% | 1,253 |
| Assets per employee ($millions) | 5.0765% | 2,389 |
| Cash dividends to net income (ytd only)* | 49.0759% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9013% | 4,469 |
| Loan loss allowance to noncurrent loans | 130.4348% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.4395% | 3,113 |
| Noncurrent loans to loans | 0.6910% | 2,488 |
| Net loans and leases to total assets | 63.0272% | 3,486 |
| Net loans and leases to deposits | 70.5671% | 3,825 |
| Net loans and leases to core deposits | 74.6668% | 3,832 |
| Total domestic deposits to total assets | 89.3153% | 863 |
| Equity capital to assets | 9.6328% | 4,108 |
| Core capital (leverage) ratio | 10.2229% | 3,160 |
| Tier 1 risk-based capital ratio | 18.1440% | 1,766 |
| Total risk-based capital ratio | 19.1716% | 1,770 |
| Memoranda: | ||
| Average total assets | $502,370,800 | 1,396 |
| Average earning assets | $465,657,400 | 1,396 |
| Average equity | $48,660,400 | 1,554 |
| Average total loans | $312,863,800 | 1,520 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5808% | 4,608 |
| Cost of funding earning assets | 0.5840% | 1,652 |
| Net interest margin | 2.9969% | 4,927 |
| Noninterest income to average assets | 0.6599% | 2,162 |
| Noninterest expense to average assets | 2.7877% | 2,772 |
| Loan and lease loss provision to assets | 0.0604% | 2,877 |
| Net operating income to assets | 0.4927% | 4,747 |
| Return on assets (ROA) | 0.4918% | 4,787 |
| Pretax return on assets | 0.5883% | 4,866 |
| Return on Equity (ROE) | 5.0698% | 4,509 |
| Retained earnings to average equity (ytd only) | 3.0562% | 4,088 |
| Net charge-offs to loans | 0.0442% | 2,556 |
| Credit loss provision to net charge-offs | 220.3883% | 1,255 |
| Earnings coverage of net charge-offs (x) | 23.7087% | 1,800 |
| Efficiency ratio | 79.5170% | 1,161 |
| Assets per employee ($millions) | 5.1172% | 2,311 |
| Cash dividends to net income (ytd only)* | 39.7185% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9079% | 4,535 |
| Loan loss allowance to noncurrent loans | 148.4910% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.3820% | 3,501 |
| Noncurrent loans to loans | 0.6114% | 2,880 |
| Net loans and leases to total assets | 61.9199% | 3,660 |
| Net loans and leases to deposits | 68.8694% | 4,049 |
| Net loans and leases to core deposits | 72.6371% | 4,094 |
| Total domestic deposits to total assets | 89.9092% | 502 |
| Equity capital to assets | 9.6556% | 4,289 |
| Core capital (leverage) ratio | 10.2789% | 3,226 |
| Tier 1 risk-based capital ratio | 18.2208% | 1,800 |
| Total risk-based capital ratio | 19.2489% | 1,806 |
| Memoranda: | ||
| Average total assets | $501,050,500 | 1,408 |
| Average earning assets | $464,385,500 | 1,411 |
| Average equity | $48,600,250 | 1,569 |
| Average total loans | $310,362,500 | 1,533 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5240% | 4,703 |
| Cost of funding earning assets | 0.5581% | 1,722 |
| Net interest margin | 2.9658% | 4,979 |
| Noninterest income to average assets | 0.6613% | 2,161 |
| Noninterest expense to average assets | 2.8266% | 2,664 |
| Loan and lease loss provision to assets | 0.0712% | 2,549 |
| Net operating income to assets | 0.4464% | 4,862 |
| Return on assets (ROA) | 0.4418% | 4,892 |
| Pretax return on assets | 0.5077% | 4,995 |
| Return on Equity (ROE) | 4.5479% | 4,645 |
| Retained earnings to average equity (ytd only) | 2.5036% | 4,189 |
| Net charge-offs to loans | 0.0234% | 2,757 |
| Credit loss provision to net charge-offs | 491.6667% | 676 |
| Earnings coverage of net charge-offs (x) | 40.3611% | 1,241 |
| Efficiency ratio | 81.2471% | 1,083 |
| Assets per employee ($millions) | 5.0471% | 2,341 |
| Cash dividends to net income (ytd only)* | 44.9500% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9210% | 4,551 |
| Loan loss allowance to noncurrent loans | 130.0802% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.4446% | 3,335 |
| Noncurrent loans to loans | 0.7080% | 2,632 |
| Net loans and leases to total assets | 62.2169% | 3,609 |
| Net loans and leases to deposits | 69.1882% | 3,969 |
| Net loans and leases to core deposits | 72.8406% | 4,030 |
| Total domestic deposits to total assets | 89.9242% | 562 |
| Equity capital to assets | 9.6985% | 4,227 |
| Core capital (leverage) ratio | 10.2980% | 3,145 |
| Tier 1 risk-based capital ratio | 18.2413% | 1,788 |
| Total risk-based capital ratio | 19.2866% | 1,799 |
| Memoranda: | ||
| Average total assets | $497,492,670 | 1,421 |
| Average earning assets | $461,186,000 | 1,424 |
| Average equity | $48,330,330 | 1,579 |
| Average total loans | $307,229,330 | 1,545 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4399% | 4,857 |
| Cost of funding earning assets | 0.5349% | 1,828 |
| Net interest margin | 2.9050% | 5,074 |
| Noninterest income to average assets | 0.6868% | 2,018 |
| Noninterest expense to average assets | 2.7456% | 2,972 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5230% | 4,505 |
| Return on assets (ROA) | 0.5135% | 4,576 |
| Pretax return on assets | 0.6220% | 4,677 |
| Return on Equity (ROE) | 5.2810% | 4,265 |
| Retained earnings to average equity (ytd only) | 3.2486% | 3,810 |
| Net charge-offs to loans | 0.0119% | 2,582 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 86.8889% | 617 |
| Efficiency ratio | 79.5781% | 1,426 |
| Assets per employee ($millions) | 4.9585% | 2,494 |
| Cash dividends to net income (ytd only)* | 38.4858% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9137% | 4,703 |
| Loan loss allowance to noncurrent loans | 130.4286% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 0.4397% | 3,434 |
| Noncurrent loans to loans | 0.7005% | 2,742 |
| Net loans and leases to total assets | 60.5619% | 3,722 |
| Net loans and leases to deposits | 67.3772% | 4,056 |
| Net loans and leases to core deposits | 71.0095% | 4,070 |
| Total domestic deposits to total assets | 89.8850% | 711 |
| Equity capital to assets | 9.7518% | 4,016 |
| Core capital (leverage) ratio | 10.3517% | 3,055 |
| Tier 1 risk-based capital ratio | 19.0410% | 1,609 |
| Total risk-based capital ratio | 20.0805% | 1,608 |
| Memoranda: | ||
| Average total assets | $493,886,500 | 1,437 |
| Average earning assets | $457,691,500 | 1,436 |
| Average equity | $48,021,000 | 1,585 |
| Average total loans | $302,378,500 | 1,568 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5013% | 4,780 |
| Cost of funding earning assets | 0.5319% | 1,856 |
| Net interest margin | 2.9694% | 5,018 |
| Noninterest income to average assets | 0.7058% | 2,150 |
| Noninterest expense to average assets | 2.7370% | 3,234 |
| Loan and lease loss provision to assets | 0.0427% | 3,527 |
| Net operating income to assets | 0.5635% | 4,373 |
| Return on assets (ROA) | 0.5884% | 4,368 |
| Pretax return on assets | 0.7097% | 4,459 |
| Return on Equity (ROE) | 5.9657% | 3,994 |
| Retained earnings to average equity (ytd only) | 4.0736% | 3,018 |
| Net charge-offs to loans | 0.0350% | 3,325 |
| Credit loss provision to net charge-offs | 200.0000% | 1,410 |
| Earnings coverage of net charge-offs (x) | 33.8077% | 1,330 |
| Efficiency ratio | 77.3742% | 1,793 |
| Assets per employee ($millions) | 4.8706% | 2,543 |
| Cash dividends to net income (ytd only)* | 31.7167% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9208% | 4,694 |
| Loan loss allowance to noncurrent loans | 122.2711% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 0.4619% | 3,411 |
| Noncurrent loans to loans | 0.7531% | 2,649 |
| Net loans and leases to total assets | 60.7643% | 3,766 |
| Net loans and leases to deposits | 67.5283% | 4,123 |
| Net loans and leases to core deposits | 71.1803% | 4,137 |
| Total domestic deposits to total assets | 89.9835% | 635 |
| Equity capital to assets | 9.6941% | 4,079 |
| Core capital (leverage) ratio | 10.3260% | 3,075 |
| Tier 1 risk-based capital ratio | 18.5658% | 1,711 |
| Total risk-based capital ratio | 19.5905% | 1,732 |
| Memoranda: | ||
| Average total assets | $487,096,200 | 1,416 |
| Average earning assets | $451,606,800 | 1,414 |
| Average equity | $48,041,000 | 1,577 |
| Average total loans | $297,365,000 | 1,531 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4937% | 4,823 |
| Cost of funding earning assets | 0.5304% | 1,877 |
| Net interest margin | 2.9633% | 5,076 |
| Noninterest income to average assets | 0.6693% | 2,317 |
| Noninterest expense to average assets | 2.7627% | 3,130 |
| Loan and lease loss provision to assets | 0.0420% | 3,398 |
| Net operating income to assets | 0.5227% | 4,606 |
| Return on assets (ROA) | 0.5518% | 4,596 |
| Pretax return on assets | 0.6484% | 4,749 |
| Return on Equity (ROE) | 5.5710% | 4,278 |
| Retained earnings to average equity (ytd only) | 3.7288% | 3,655 |
| Net charge-offs to loans | 0.0405% | 2,828 |
| Credit loss provision to net charge-offs | 170.0000% | 1,633 |
| Earnings coverage of net charge-offs (x) | 26.5438% | 1,593 |
| Efficiency ratio | 79.0319% | 1,552 |
| Assets per employee ($millions) | 4.9819% | 2,387 |
| Cash dividends to net income (ytd only)* | 33.0679% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9065% | 4,841 |
| Loan loss allowance to noncurrent loans | 115.8273% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 0.4829% | 3,503 |
| Noncurrent loans to loans | 0.7826% | 2,723 |
| Net loans and leases to total assets | 60.0558% | 3,869 |
| Net loans and leases to deposits | 66.7902% | 4,263 |
| Net loans and leases to core deposits | 70.2911% | 4,303 |
| Total domestic deposits to total assets | 89.9171% | 515 |
| Equity capital to assets | 9.8155% | 4,343 |
| Core capital (leverage) ratio | 10.2290% | 3,304 |
| Tier 1 risk-based capital ratio | 18.5184% | 1,786 |
| Total risk-based capital ratio | 19.5377% | 1,810 |
| Memoranda: | ||
| Average total assets | $485,888,500 | 1,419 |
| Average earning assets | $450,748,250 | 1,416 |
| Average equity | $48,129,250 | 1,579 |
| Average total loans | $296,282,750 | 1,534 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4992% | 4,863 |
| Cost of funding earning assets | 0.5343% | 1,836 |
| Net interest margin | 2.9649% | 5,143 |
| Noninterest income to average assets | 0.6169% | 2,528 |
| Noninterest expense to average assets | 2.7726% | 3,128 |
| Loan and lease loss provision to assets | 0.0527% | 3,090 |
| Net operating income to assets | 0.4734% | 4,788 |
| Return on assets (ROA) | 0.5177% | 4,726 |
| Pretax return on assets | 0.5932% | 4,902 |
| Return on Equity (ROE) | 5.2097% | 4,422 |
| Retained earnings to average equity (ytd only) | 3.3756% | 3,746 |
| Net charge-offs to loans | 0.0312% | 2,845 |
| Credit loss provision to net charge-offs | 276.0870% | 1,022 |
| Earnings coverage of net charge-offs (x) | 31.1522% | 1,365 |
| Efficiency ratio | 80.5843% | 1,432 |
| Assets per employee ($millions) | 4.9205% | 2,389 |
| Cash dividends to net income (ytd only)* | 35.2045% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9215% | 4,883 |
| Loan loss allowance to noncurrent loans | 107.8700% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 0.5366% | 3,424 |
| Noncurrent loans to loans | 0.8543% | 2,606 |
| Net loans and leases to total assets | 60.8089% | 3,777 |
| Net loans and leases to deposits | 67.7235% | 4,203 |
| Net loans and leases to core deposits | 71.3483% | 4,227 |
| Total domestic deposits to total assets | 89.7900% | 567 |
| Equity capital to assets | 9.9979% | 4,229 |
| Core capital (leverage) ratio | 10.1363% | 3,403 |
| Tier 1 risk-based capital ratio | 18.6591% | 1,765 |
| Total risk-based capital ratio | 19.7057% | 1,773 |
| Memoranda: | ||
| Average total assets | $481,788,000 | 1,435 |
| Average earning assets | $446,956,330 | 1,435 |
| Average equity | $47,872,330 | 1,584 |
| Average total loans | $294,400,670 | 1,545 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4948% | 4,905 |
| Cost of funding earning assets | 0.5439% | 1,762 |
| Net interest margin | 2.9509% | 5,217 |
| Noninterest income to average assets | 0.6011% | 2,521 |
| Noninterest expense to average assets | 2.6874% | 3,461 |
| Loan and lease loss provision to assets | 0.1060% | 1,925 |
| Net operating income to assets | 0.4795% | 4,708 |
| Return on assets (ROA) | 0.5126% | 4,683 |
| Pretax return on assets | 0.5811% | 4,874 |
| Return on Equity (ROE) | 5.1752% | 4,413 |
| Retained earnings to average equity (ytd only) | 3.3799% | 3,810 |
| Net charge-offs to loans | 0.0616% | 1,882 |
| Credit loss provision to net charge-offs | 282.2222% | 885 |
| Earnings coverage of net charge-offs (x) | 17.2889% | 1,583 |
| Efficiency ratio | 78.8591% | 1,772 |
| Assets per employee ($millions) | 4.9208% | 2,428 |
| Cash dividends to net income (ytd only)* | 34.6906% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9302% | 4,950 |
| Loan loss allowance to noncurrent loans | 71.6030% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 0.8309% | 2,612 |
| Noncurrent loans to loans | 1.2991% | 1,856 |
| Net loans and leases to total assets | 60.8682% | 3,666 |
| Net loans and leases to deposits | 67.8598% | 4,076 |
| Net loans and leases to core deposits | 71.4798% | 4,106 |
| Total domestic deposits to total assets | 89.6970% | 735 |
| Equity capital to assets | 9.9415% | 4,160 |
| Core capital (leverage) ratio | 10.1017% | 3,422 |
| Tier 1 risk-based capital ratio | 18.6383% | 1,815 |
| Total risk-based capital ratio | 19.6949% | 1,828 |
| Memoranda: | ||
| Average total assets | $479,116,500 | 1,436 |
| Average earning assets | $444,197,500 | 1,441 |
| Average equity | $47,457,000 | 1,589 |
| Average total loans | $292,114,000 | 1,554 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3929% | 5,176 |
| Cost of funding earning assets | 0.5674% | 1,614 |
| Net interest margin | 2.8255% | 5,470 |
| Noninterest income to average assets | 0.7559% | 1,951 |
| Noninterest expense to average assets | 2.8261% | 3,126 |
| Loan and lease loss provision to assets | 0.1278% | 1,889 |
| Net operating income to assets | 0.4150% | 5,005 |
| Return on assets (ROA) | 0.4439% | 4,989 |
| Pretax return on assets | 0.4682% | 5,182 |
| Return on Equity (ROE) | 4.5823% | 4,701 |
| Retained earnings to average equity (ytd only) | 2.4131% | 4,344 |
| Net charge-offs to loans | 0.1734% | 1,646 |
| Credit loss provision to net charge-offs | 124.6939% | 2,084 |
| Earnings coverage of net charge-offs (x) | 5.5184% | 3,376 |
| Efficiency ratio | 81.7313% | 1,442 |
| Assets per employee ($millions) | 4.7599% | 2,662 |
| Cash dividends to net income (ytd only)* | 47.3387% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9287% | 4,978 |
| Loan loss allowance to noncurrent loans | 111.2313% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 0.5679% | 3,387 |
| Noncurrent loans to loans | 0.8349% | 2,698 |
| Net loans and leases to total assets | 59.9309% | 3,849 |
| Net loans and leases to deposits | 66.8812% | 4,232 |
| Net loans and leases to core deposits | 70.8175% | 4,232 |
| Total domestic deposits to total assets | 89.6080% | 796 |
| Equity capital to assets | 9.8682% | 4,117 |
| Core capital (leverage) ratio | 10.0818% | 3,398 |
| Tier 1 risk-based capital ratio | 19.0539% | 1,697 |
| Total risk-based capital ratio | 20.1107% | 1,696 |
| Memoranda: | ||
| Average total assets | $478,214,800 | 1,417 |
| Average earning assets | $446,080,200 | 1,392 |
| Average equity | $46,330,800 | 1,595 |
| Average total loans | $282,535,600 | 1,539 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3671% | 5,282 |
| Cost of funding earning assets | 0.5733% | 1,594 |
| Net interest margin | 2.7939% | 5,591 |
| Noninterest income to average assets | 0.7761% | 1,900 |
| Noninterest expense to average assets | 2.5763% | 3,959 |
| Loan and lease loss provision to assets | 0.0880% | 2,398 |
| Net operating income to assets | 0.6039% | 4,368 |
| Return on assets (ROA) | 0.6372% | 4,311 |
| Pretax return on assets | 0.7622% | 4,456 |
| Return on Equity (ROE) | 6.6072% | 3,829 |
| Retained earnings to average equity (ytd only) | 4.1295% | 3,528 |
| Net charge-offs to loans | 0.1370% | 1,762 |
| Credit loss provision to net charge-offs | 109.3426% | 2,122 |
| Earnings coverage of net charge-offs (x) | 10.0797% | 2,631 |
| Efficiency ratio | 74.4410% | 2,483 |
| Assets per employee ($millions) | 4.7553% | 2,615 |
| Cash dividends to net income (ytd only)* | 37.5000% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9054% | 5,187 |
| Loan loss allowance to noncurrent loans | 104.4112% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 0.5517% | 3,653 |
| Noncurrent loans to loans | 0.8671% | 2,812 |
| Net loans and leases to total assets | 58.7951% | 4,041 |
| Net loans and leases to deposits | 65.4994% | 4,429 |
| Net loans and leases to core deposits | 69.3504% | 4,433 |
| Total domestic deposits to total assets | 89.7643% | 673 |
| Equity capital to assets | 9.7674% | 4,422 |
| Core capital (leverage) ratio | 10.1234% | 3,468 |
| Tier 1 risk-based capital ratio | 19.2918% | 1,707 |
| Total risk-based capital ratio | 20.3178% | 1,727 |
| Memoranda: | ||
| Average total assets | $478,770,250 | 1,415 |
| Average earning assets | $447,495,000 | 1,389 |
| Average equity | $46,170,500 | 1,609 |
| Average total loans | $281,184,250 | 1,555 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3613% | 5,310 |
| Cost of funding earning assets | 0.5789% | 1,576 |
| Net interest margin | 2.7824% | 5,653 |
| Noninterest income to average assets | 0.7912% | 1,814 |
| Noninterest expense to average assets | 2.5317% | 4,134 |
| Loan and lease loss provision to assets | 0.1296% | 1,708 |
| Net operating income to assets | 0.6061% | 4,316 |
| Return on assets (ROA) | 0.6473% | 4,240 |
| Pretax return on assets | 0.7807% | 4,385 |
| Return on Equity (ROE) | 6.7417% | 3,763 |
| Retained earnings to average equity (ytd only) | 4.2723% | 3,304 |
| Net charge-offs to loans | 0.0357% | 2,960 |
| Credit loss provision to net charge-offs | 620.0000% | 536 |
| Earnings coverage of net charge-offs (x) | 41.2400% | 1,111 |
| Efficiency ratio | 73.0039% | 2,837 |
| Assets per employee ($millions) | 4.7782% | 2,576 |
| Cash dividends to net income (ytd only)* | 36.6279% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0071% | 4,834 |
| Loan loss allowance to noncurrent loans | 111.4943% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 0.5527% | 3,767 |
| Noncurrent loans to loans | 0.9033% | 2,863 |
| Net loans and leases to total assets | 57.8650% | 4,116 |
| Net loans and leases to deposits | 64.3279% | 4,507 |
| Net loans and leases to core deposits | 68.3580% | 4,463 |
| Total domestic deposits to total assets | 89.9531% | 682 |
| Equity capital to assets | 9.6496% | 4,469 |
| Core capital (leverage) ratio | 9.9942% | 3,613 |
| Tier 1 risk-based capital ratio | 19.2763% | 1,724 |
| Total risk-based capital ratio | 20.4047% | 1,728 |
| Memoranda: | ||
| Average total assets | $478,263,670 | 1,427 |
| Average earning assets | $447,386,670 | 1,402 |
| Average equity | $45,923,330 | 1,623 |
| Average total loans | $279,923,330 | 1,562 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3736% | 5,269 |
| Cost of funding earning assets | 0.5786% | 1,587 |
| Net interest margin | 2.7950% | 5,650 |
| Noninterest income to average assets | 0.6621% | 2,352 |
| Noninterest expense to average assets | 2.4193% | 4,541 |
| Loan and lease loss provision to assets | 0.0836% | 2,298 |
| Net operating income to assets | 0.6250% | 4,173 |
| Return on assets (ROA) | 0.6855% | 3,999 |
| Pretax return on assets | 0.8485% | 4,068 |
| Return on Equity (ROE) | 7.1567% | 3,425 |
| Retained earnings to average equity (ytd only) | 4.4337% | 3,368 |
| Net charge-offs to loans | 0.0285% | 2,610 |
| Credit loss provision to net charge-offs | 500.0000% | 534 |
| Earnings coverage of net charge-offs (x) | 51.4000% | 821 |
| Efficiency ratio | 72.4120% | 3,103 |
| Assets per employee ($millions) | 4.7869% | 2,642 |
| Cash dividends to net income (ytd only)* | 38.0488% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9379% | 5,302 |
| Loan loss allowance to noncurrent loans | 99.8105% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 0.5532% | 3,825 |
| Noncurrent loans to loans | 0.9397% | 2,898 |
| Net loans and leases to total assets | 58.0973% | 3,933 |
| Net loans and leases to deposits | 64.6905% | 4,295 |
| Net loans and leases to core deposits | 68.6707% | 4,273 |
| Total domestic deposits to total assets | 89.8080% | 841 |
| Equity capital to assets | 9.6380% | 4,589 |
| Core capital (leverage) ratio | 9.9623% | 3,649 |
| Tier 1 risk-based capital ratio | 19.3140% | 1,786 |
| Total risk-based capital ratio | 20.3825% | 1,789 |
| Memoranda: | ||
| Average total assets | $478,485,000 | 1,429 |
| Average earning assets | $447,946,000 | 1,402 |
| Average equity | $45,831,000 | 1,630 |
| Average total loans | $280,233,000 | 1,557 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3667% | 5,591 |
| Cost of funding earning assets | 0.6356% | 1,510 |
| Net interest margin | 2.7311% | 5,895 |
| Noninterest income to average assets | 0.6608% | 2,500 |
| Noninterest expense to average assets | 2.2730% | 5,181 |
| Loan and lease loss provision to assets | 0.0371% | 3,837 |
| Net operating income to assets | 0.7202% | 3,793 |
| Return on assets (ROA) | 0.7623% | 3,657 |
| Pretax return on assets | 0.9636% | 3,632 |
| Return on Equity (ROE) | 8.1082% | 3,075 |
| Retained earnings to average equity (ytd only) | 5.8185% | 2,047 |
| Net charge-offs to loans | 0.0482% | 3,860 |
| Credit loss provision to net charge-offs | 136.9231% | 1,724 |
| Earnings coverage of net charge-offs (x) | 35.0231% | 1,200 |
| Efficiency ratio | 69.0944% | 3,691 |
| Assets per employee ($millions) | 4.8311% | 2,554 |
| Cash dividends to net income (ytd only)* | 28.2395% | 3,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9127% | 5,432 |
| Loan loss allowance to noncurrent loans | 88.9857% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 0.5999% | 3,793 |
| Noncurrent loans to loans | 1.0256% | 2,773 |
| Net loans and leases to total assets | 57.9523% | 4,048 |
| Net loans and leases to deposits | 64.4134% | 4,488 |
| Net loans and leases to core deposits | 67.9931% | 4,504 |
| Total domestic deposits to total assets | 89.9693% | 741 |
| Equity capital to assets | 9.5186% | 4,702 |
| Core capital (leverage) ratio | 9.8428% | 3,779 |
| Tier 1 risk-based capital ratio | 19.3342% | 1,766 |
| Total risk-based capital ratio | 20.3823% | 1,780 |
| Memoranda: | ||
| Average total assets | $479,849,000 | 1,391 |
| Average earning assets | $449,967,400 | 1,363 |
| Average equity | $45,115,000 | 1,597 |
| Average total loans | $269,698,000 | 1,579 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3556% | 5,666 |
| Cost of funding earning assets | 0.6465% | 1,479 |
| Net interest margin | 2.7091% | 5,995 |
| Noninterest income to average assets | 0.6658% | 2,499 |
| Noninterest expense to average assets | 2.2355% | 5,270 |
| Loan and lease loss provision to assets | 0.0466% | 3,455 |
| Net operating income to assets | 0.7282% | 3,794 |
| Return on assets (ROA) | 0.7738% | 3,654 |
| Pretax return on assets | 0.9809% | 3,671 |
| Return on Equity (ROE) | 8.2553% | 3,062 |
| Retained earnings to average equity (ytd only) | 5.9508% | 2,446 |
| Net charge-offs to loans | 0.0429% | 3,643 |
| Credit loss provision to net charge-offs | 195.3488% | 1,290 |
| Earnings coverage of net charge-offs (x) | 40.6757% | 1,120 |
| Efficiency ratio | 68.2684% | 3,815 |
| Assets per employee ($millions) | 4.8381% | 2,463 |
| Cash dividends to net income (ytd only)* | 27.9154% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9635% | 5,374 |
| Loan loss allowance to noncurrent loans | 151.2865% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.4019% | 4,716 |
| Noncurrent loans to loans | 0.6368% | 4,022 |
| Net loans and leases to total assets | 55.5194% | 4,393 |
| Net loans and leases to deposits | 61.5952% | 4,783 |
| Net loans and leases to core deposits | 64.8254% | 4,812 |
| Total domestic deposits to total assets | 90.1360% | 669 |
| Equity capital to assets | 9.6532% | 4,605 |
| Core capital (leverage) ratio | 9.6032% | 4,239 |
| Tier 1 risk-based capital ratio | 20.0233% | 1,668 |
| Total risk-based capital ratio | 21.1376% | 1,671 |
| Memoranda: | ||
| Average total assets | $480,240,500 | 1,400 |
| Average earning assets | $450,417,500 | 1,376 |
| Average equity | $45,012,250 | 1,606 |
| Average total loans | $267,190,250 | 1,599 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3414% | 5,727 |
| Cost of funding earning assets | 0.6595% | 1,437 |
| Net interest margin | 2.6819% | 6,068 |
| Noninterest income to average assets | 0.6316% | 2,648 |
| Noninterest expense to average assets | 2.2390% | 5,312 |
| Loan and lease loss provision to assets | 0.0158% | 3,943 |
| Net operating income to assets | 0.7061% | 3,806 |
| Return on assets (ROA) | 0.7386% | 3,722 |
| Pretax return on assets | 0.9312% | 3,753 |
| Return on Equity (ROE) | 7.9589% | 3,118 |
| Retained earnings to average equity (ytd only) | 5.6138% | 2,569 |
| Net charge-offs to loans | 0.0615% | 3,098 |
| Credit loss provision to net charge-offs | 46.3415% | 2,843 |
| Earnings coverage of net charge-offs (x) | 26.5854% | 1,365 |
| Efficiency ratio | 69.7262% | 3,704 |
| Assets per employee ($millions) | 4.9814% | 2,236 |
| Cash dividends to net income (ytd only)* | 29.4648% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9234% | 5,652 |
| Loan loss allowance to noncurrent loans | 136.7018% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.3779% | 4,886 |
| Noncurrent loans to loans | 0.6755% | 4,027 |
| Net loans and leases to total assets | 54.6672% | 4,454 |
| Net loans and leases to deposits | 60.5200% | 4,823 |
| Net loans and leases to core deposits | 63.6289% | 4,848 |
| Total domestic deposits to total assets | 90.3292% | 647 |
| Equity capital to assets | 9.4508% | 4,789 |
| Core capital (leverage) ratio | 9.4710% | 4,369 |
| Tier 1 risk-based capital ratio | 19.7830% | 1,739 |
| Total risk-based capital ratio | 20.8480% | 1,758 |
| Memoranda: | ||
| Average total assets | $480,663,000 | 1,393 |
| Average earning assets | $450,646,670 | 1,368 |
| Average equity | $44,604,330 | 1,606 |
| Average total loans | $266,750,330 | 1,597 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3153% | 5,811 |
| Cost of funding earning assets | 0.6689% | 1,446 |
| Net interest margin | 2.6464% | 6,179 |
| Noninterest income to average assets | 0.5958% | 2,759 |
| Noninterest expense to average assets | 2.2395% | 5,359 |
| Loan and lease loss provision to assets | 0.0042% | 3,767 |
| Net operating income to assets | 0.6762% | 3,811 |
| Return on assets (ROA) | 0.6967% | 3,785 |
| Pretax return on assets | 0.8586% | 3,869 |
| Return on Equity (ROE) | 7.5782% | 3,156 |
| Retained earnings to average equity (ytd only) | 5.3093% | 2,915 |
| Net charge-offs to loans | 0.0555% | 2,608 |
| Credit loss provision to net charge-offs | 13.5135% | 2,575 |
| Earnings coverage of net charge-offs (x) | 27.1622% | 1,113 |
| Efficiency ratio | 71.3201% | 3,604 |
| Assets per employee ($millions) | 5.0288% | 2,224 |
| Cash dividends to net income (ytd only)* | 29.9401% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9257% | 5,782 |
| Loan loss allowance to noncurrent loans | 137.1397% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.4089% | 4,917 |
| Noncurrent loans to loans | 0.6750% | 4,174 |
| Net loans and leases to total assets | 54.8493% | 4,297 |
| Net loans and leases to deposits | 60.5240% | 4,709 |
| Net loans and leases to core deposits | 63.6687% | 4,717 |
| Total domestic deposits to total assets | 90.6241% | 728 |
| Equity capital to assets | 9.2237% | 4,845 |
| Core capital (leverage) ratio | 9.4781% | 4,316 |
| Tier 1 risk-based capital ratio | 19.5086% | 1,832 |
| Total risk-based capital ratio | 20.5795% | 1,845 |
| Memoranda: | ||
| Average total assets | $479,395,500 | 1,406 |
| Average earning assets | $449,668,500 | 1,371 |
| Average equity | $44,073,500 | 1,611 |
| Average total loans | $266,819,000 | 1,599 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4472% | 5,740 |
| Cost of funding earning assets | 0.7957% | 1,233 |
| Net interest margin | 2.6515% | 6,199 |
| Noninterest income to average assets | 0.7896% | 2,128 |
| Noninterest expense to average assets | 2.2124% | 5,597 |
| Loan and lease loss provision to assets | 0.0257% | 4,614 |
| Net operating income to assets | 0.8141% | 3,219 |
| Return on assets (ROA) | 0.8846% | 2,944 |
| Pretax return on assets | 1.1394% | 2,808 |
| Return on Equity (ROE) | 9.9672% | 2,131 |
| Retained earnings to average equity (ytd only) | 7.6571% | 1,170 |
| Net charge-offs to loans | 0.0290% | 4,843 |
| Credit loss provision to net charge-offs | 164.8649% | 1,381 |
| Earnings coverage of net charge-offs (x) | 69.0270% | 612 |
| Efficiency ratio | 65.8230% | 4,591 |
| Assets per employee ($millions) | 5.1185% | 2,049 |
| Cash dividends to net income (ytd only)* | 23.1777% | 3,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9404% | 5,791 |
| Loan loss allowance to noncurrent loans | 110.9389% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 0.4792% | 4,802 |
| Noncurrent loans to loans | 0.8477% | 3,860 |
| Net loans and leases to total assets | 55.4309% | 4,395 |
| Net loans and leases to deposits | 61.0755% | 4,820 |
| Net loans and leases to core deposits | 64.1184% | 4,856 |
| Total domestic deposits to total assets | 90.7580% | 682 |
| Equity capital to assets | 9.1630% | 4,847 |
| Core capital (leverage) ratio | 9.2229% | 4,687 |
| Tier 1 risk-based capital ratio | 19.4783% | 1,792 |
| Total risk-based capital ratio | 20.5750% | 1,794 |
| Memoranda: | ||
| Average total assets | $474,549,800 | 1,400 |
| Average earning assets | $447,294,000 | 1,356 |
| Average equity | $42,118,000 | 1,664 |
| Average total loans | $255,433,600 | 1,629 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4284% | 5,821 |
| Cost of funding earning assets | 0.8141% | 1,246 |
| Net interest margin | 2.6143% | 6,299 |
| Noninterest income to average assets | 0.7811% | 2,244 |
| Noninterest expense to average assets | 2.2073% | 5,592 |
| Loan and lease loss provision to assets | 0.0093% | 4,799 |
| Net operating income to assets | 0.7980% | 3,353 |
| Return on assets (ROA) | 0.8658% | 3,121 |
| Pretax return on assets | 1.1138% | 3,051 |
| Return on Equity (ROE) | 9.8345% | 2,253 |
| Retained earnings to average equity (ytd only) | 7.4933% | 1,646 |
| Net charge-offs to loans | 0.0090% | 4,969 |
| Credit loss provision to net charge-offs | 194.1176% | 1,246 |
| Earnings coverage of net charge-offs (x) | 217.3154% | 268 |
| Efficiency ratio | 66.4443% | 4,408 |
| Assets per employee ($millions) | 5.0354% | 2,118 |
| Cash dividends to net income (ytd only)* | 23.8065% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9577% | 5,892 |
| Loan loss allowance to noncurrent loans | 125.7245% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.4027% | 5,216 |
| Noncurrent loans to loans | 0.7618% | 4,324 |
| Net loans and leases to total assets | 52.3603% | 4,830 |
| Net loans and leases to deposits | 57.5416% | 5,231 |
| Net loans and leases to core deposits | 60.5935% | 5,250 |
| Total domestic deposits to total assets | 90.9955% | 539 |
| Equity capital to assets | 8.5834% | 5,645 |
| Core capital (leverage) ratio | 9.1327% | 4,918 |
| Tier 1 risk-based capital ratio | 19.5656% | 1,848 |
| Total risk-based capital ratio | 20.6726% | 1,851 |
| Memoranda: | ||
| Average total assets | $474,181,500 | 1,407 |
| Average earning assets | $447,118,000 | 1,369 |
| Average equity | $41,743,000 | 1,692 |
| Average total loans | $252,699,750 | 1,643 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4669% | 5,751 |
| Cost of funding earning assets | 0.8356% | 1,229 |
| Net interest margin | 2.6313% | 6,295 |
| Noninterest income to average assets | 0.8048% | 2,165 |
| Noninterest expense to average assets | 2.2478% | 5,505 |
| Loan and lease loss provision to assets | 0.0085% | 4,687 |
| Net operating income to assets | 0.7947% | 3,321 |
| Return on assets (ROA) | 0.8828% | 3,038 |
| Pretax return on assets | 1.1414% | 2,924 |
| Return on Equity (ROE) | 9.9418% | 2,222 |
| Retained earnings to average equity (ytd only) | 7.8642% | 1,542 |
| Net charge-offs to loans | 0.0271% | 4,317 |
| Credit loss provision to net charge-offs | 58.8235% | 3,042 |
| Earnings coverage of net charge-offs (x) | 71.7353% | 627 |
| Efficiency ratio | 66.7272% | 4,407 |
| Assets per employee ($millions) | 4.8942% | 2,235 |
| Cash dividends to net income (ytd only)* | 20.8977% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9558% | 5,967 |
| Loan loss allowance to noncurrent loans | 144.3001% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.3594% | 5,415 |
| Noncurrent loans to loans | 0.6624% | 4,617 |
| Net loans and leases to total assets | 53.3241% | 4,694 |
| Net loans and leases to deposits | 58.6508% | 5,105 |
| Net loans and leases to core deposits | 61.6499% | 5,129 |
| Total domestic deposits to total assets | 90.9178% | 576 |
| Equity capital to assets | 8.6746% | 5,582 |
| Core capital (leverage) ratio | 9.0212% | 4,950 |
| Tier 1 risk-based capital ratio | 19.4816% | 1,862 |
| Total risk-based capital ratio | 20.5904% | 1,869 |
| Memoranda: | ||
| Average total assets | $469,431,000 | 1,413 |
| Average earning assets | $442,820,000 | 1,381 |
| Average equity | $41,682,670 | 1,699 |
| Average total loans | $250,860,330 | 1,654 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4357% | 5,865 |
| Cost of funding earning assets | 0.8564% | 1,224 |
| Net interest margin | 2.5793% | 6,403 |
| Noninterest income to average assets | 0.8732% | 1,852 |
| Noninterest expense to average assets | 2.2503% | 5,565 |
| Loan and lease loss provision to assets | 0.0069% | 4,354 |
| Net operating income to assets | 0.8145% | 3,082 |
| Return on assets (ROA) | 0.9075% | 2,763 |
| Pretax return on assets | 1.1749% | 2,668 |
| Return on Equity (ROE) | 10.1017% | 2,024 |
| Retained earnings to average equity (ytd only) | 8.0604% | 1,735 |
| Net charge-offs to loans | 0.0113% | 3,920 |
| Credit loss provision to net charge-offs | 114.2857% | 1,652 |
| Earnings coverage of net charge-offs (x) | 177.4286% | 228 |
| Efficiency ratio | 66.0807% | 4,646 |
| Assets per employee ($millions) | 4.8344% | 2,434 |
| Cash dividends to net income (ytd only)* | 20.2077% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9781% | 6,054 |
| Loan loss allowance to noncurrent loans | 136.0266% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.4382% | 5,287 |
| Noncurrent loans to loans | 0.7190% | 4,691 |
| Net loans and leases to total assets | 53.0673% | 4,544 |
| Net loans and leases to deposits | 58.7150% | 4,946 |
| Net loans and leases to core deposits | 61.8223% | 4,968 |
| Total domestic deposits to total assets | 90.3813% | 830 |
| Equity capital to assets | 9.0105% | 5,470 |
| Core capital (leverage) ratio | 9.0582% | 4,790 |
| Tier 1 risk-based capital ratio | 19.7955% | 1,826 |
| Total risk-based capital ratio | 20.9500% | 1,824 |
| Memoranda: | ||
| Average total assets | $466,780,000 | 1,434 |
| Average earning assets | $441,827,500 | 1,395 |
| Average equity | $41,933,500 | 1,706 |
| Average total loans | $248,495,500 | 1,672 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8165% | 5,786 |
| Cost of funding earning assets | 1.0752% | 999 |
| Net interest margin | 2.7413% | 6,462 |
| Noninterest income to average assets | 0.7494% | 2,500 |
| Noninterest expense to average assets | 2.1309% | 6,064 |
| Loan and lease loss provision to assets | 0.0139% | 5,734 |
| Net operating income to assets | 0.9116% | 2,759 |
| Return on assets (ROA) | 0.9697% | 2,695 |
| Pretax return on assets | 1.2737% | 2,503 |
| Return on Equity (ROE) | 11.1784% | 1,748 |
| Retained earnings to average equity (ytd only) | 9.1108% | 793 |
| Net charge-offs to loans | 0.0586% | 5,108 |
| Credit loss provision to net charge-offs | 44.1379% | 4,837 |
| Earnings coverage of net charge-offs (x) | 38.3931% | 837 |
| Efficiency ratio | 62.4601% | 5,172 |
| Assets per employee ($millions) | 4.8398% | 2,431 |
| Cash dividends to net income (ytd only)* | 18.4961% | 3,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 5,955 |
| Loan loss allowance to noncurrent loans | 126.2455% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.4376% | 5,396 |
| Noncurrent loans to loans | 0.7925% | 4,598 |
| Net loans and leases to total assets | 52.3484% | 4,877 |
| Net loans and leases to deposits | 57.8786% | 5,248 |
| Net loans and leases to core deposits | 60.9474% | 5,276 |
| Total domestic deposits to total assets | 90.4451% | 730 |
| Equity capital to assets | 8.9564% | 5,570 |
| Core capital (leverage) ratio | 8.8545% | 5,090 |
| Tier 1 risk-based capital ratio | 20.1029% | 1,646 |
| Total risk-based capital ratio | 21.2990% | 1,636 |
| Memoranda: | ||
| Average total assets | $459,431,000 | 1,432 |
| Average earning assets | $434,609,800 | 1,387 |
| Average equity | $39,853,600 | 1,748 |
| Average total loans | $247,329,200 | 1,667 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8519% | 5,902 |
| Cost of funding earning assets | 1.1235% | 969 |
| Net interest margin | 2.7284% | 6,607 |
| Noninterest income to average assets | 0.7639% | 2,410 |
| Noninterest expense to average assets | 2.0954% | 6,172 |
| Loan and lease loss provision to assets | 0.0186% | 5,568 |
| Net operating income to assets | 0.9280% | 2,838 |
| Return on assets (ROA) | 0.9950% | 2,759 |
| Pretax return on assets | 1.3189% | 2,527 |
| Return on Equity (ROE) | 11.5659% | 1,772 |
| Retained earnings to average equity (ytd only) | 9.5024% | 1,065 |
| Net charge-offs to loans | 0.0775% | 4,630 |
| Credit loss provision to net charge-offs | 44.4444% | 4,519 |
| Earnings coverage of net charge-offs (x) | 29.7840% | 1,105 |
| Efficiency ratio | 61.4936% | 5,230 |
| Assets per employee ($millions) | 5.0109% | 2,174 |
| Cash dividends to net income (ytd only)* | 17.8414% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0223% | 5,999 |
| Loan loss allowance to noncurrent loans | 537.8556% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.1318% | 6,384 |
| Noncurrent loans to loans | 0.1901% | 6,133 |
| Net loans and leases to total assets | 51.0667% | 5,178 |
| Net loans and leases to deposits | 56.3628% | 5,602 |
| Net loans and leases to core deposits | 59.4510% | 5,610 |
| Total domestic deposits to total assets | 90.6036% | 557 |
| Equity capital to assets | 8.8528% | 5,975 |
| Core capital (leverage) ratio | 8.7985% | 5,351 |
| Tier 1 risk-based capital ratio | 19.8718% | 1,795 |
| Total risk-based capital ratio | 21.0779% | 1,777 |
| Memoranda: | ||
| Average total assets | $458,133,750 | 1,453 |
| Average earning assets | $433,164,250 | 1,411 |
| Average equity | $39,413,750 | 1,781 |
| Average total loans | $247,741,750 | 1,675 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9503% | 5,782 |
| Cost of funding earning assets | 1.1716% | 936 |
| Net interest margin | 2.7787% | 6,614 |
| Noninterest income to average assets | 0.6814% | 2,764 |
| Noninterest expense to average assets | 2.1075% | 6,219 |
| Loan and lease loss provision to assets | 0.0241% | 5,365 |
| Net operating income to assets | 0.8911% | 2,952 |
| Return on assets (ROA) | 0.9537% | 2,900 |
| Pretax return on assets | 1.2658% | 2,667 |
| Return on Equity (ROE) | 11.1959% | 1,922 |
| Retained earnings to average equity (ytd only) | 9.2371% | 1,199 |
| Net charge-offs to loans | 0.0688% | 4,466 |
| Credit loss provision to net charge-offs | 63.9535% | 3,708 |
| Earnings coverage of net charge-offs (x) | 31.9535% | 1,030 |
| Efficiency ratio | 62.3344% | 5,196 |
| Assets per employee ($millions) | 4.9304% | 2,263 |
| Cash dividends to net income (ytd only)* | 17.4954% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 6,086 |
| Loan loss allowance to noncurrent loans | 465.9851% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.1703% | 6,366 |
| Noncurrent loans to loans | 0.2181% | 6,146 |
| Net loans and leases to total assets | 53.2514% | 4,927 |
| Net loans and leases to deposits | 58.6330% | 5,383 |
| Net loans and leases to core deposits | 62.0176% | 5,385 |
| Total domestic deposits to total assets | 90.8216% | 519 |
| Equity capital to assets | 8.6784% | 6,051 |
| Core capital (leverage) ratio | 8.6152% | 5,494 |
| Tier 1 risk-based capital ratio | 18.9019% | 1,992 |
| Total risk-based capital ratio | 20.1022% | 1,989 |
| Memoranda: | ||
| Average total assets | $455,508,330 | 1,463 |
| Average earning assets | $431,562,670 | 1,416 |
| Average equity | $38,800,000 | 1,791 |
| Average total loans | $250,177,670 | 1,661 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0142% | 5,714 |
| Cost of funding earning assets | 1.1950% | 1,014 |
| Net interest margin | 2.8192% | 6,607 |
| Noninterest income to average assets | 0.6449% | 2,963 |
| Noninterest expense to average assets | 2.0943% | 6,281 |
| Loan and lease loss provision to assets | 0.0203% | 5,086 |
| Net operating income to assets | 0.9086% | 2,871 |
| Return on assets (ROA) | 0.9568% | 2,860 |
| Pretax return on assets | 1.2802% | 2,607 |
| Return on Equity (ROE) | 11.3410% | 1,891 |
| Retained earnings to average equity (ytd only) | 9.3568% | 1,455 |
| Net charge-offs to loans | 0.0667% | 3,821 |
| Credit loss provision to net charge-offs | 54.7619% | 3,202 |
| Earnings coverage of net charge-offs (x) | 33.4048% | 851 |
| Efficiency ratio | 61.7725% | 5,311 |
| Assets per employee ($millions) | 4.9148% | 2,366 |
| Cash dividends to net income (ytd only)* | 17.4954% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0010% | 6,243 |
| Loan loss allowance to noncurrent loans | 463.0515% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.1617% | 6,479 |
| Noncurrent loans to loans | 0.2162% | 6,255 |
| Net loans and leases to total assets | 54.5031% | 4,637 |
| Net loans and leases to deposits | 60.6862% | 5,072 |
| Net loans and leases to core deposits | 63.9952% | 5,114 |
| Total domestic deposits to total assets | 89.8113% | 1,183 |
| Equity capital to assets | 8.4562% | 6,122 |
| Core capital (leverage) ratio | 8.5382% | 5,525 |
| Tier 1 risk-based capital ratio | 18.9600% | 1,998 |
| Total risk-based capital ratio | 20.1978% | 1,960 |
| Memoranda: | ||
| Average total assets | $453,997,000 | 1,471 |
| Average earning assets | $432,463,500 | 1,416 |
| Average equity | $38,303,500 | 1,814 |
| Average total loans | $251,926,000 | 1,646 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2765% | 5,833 |
| Cost of funding earning assets | 1.4355% | 900 |
| Net interest margin | 2.8410% | 6,771 |
| Noninterest income to average assets | 0.6055% | 3,132 |
| Noninterest expense to average assets | 2.0594% | 6,564 |
| Loan and lease loss provision to assets | 0.0572% | 5,883 |
| Net operating income to assets | 0.8976% | 2,616 |
| Return on assets (ROA) | 0.9635% | 2,475 |
| Pretax return on assets | 1.2894% | 2,171 |
| Return on Equity (ROE) | 11.5744% | 1,536 |
| Retained earnings to average equity (ytd only) | 9.6096% | 646 |
| Net charge-offs to loans | 0.1001% | 5,351 |
| Credit loss provision to net charge-offs | 98.8142% | 3,630 |
| Earnings coverage of net charge-offs (x) | 21.7510% | 1,080 |
| Efficiency ratio | 61.2367% | 5,572 |
| Assets per employee ($millions) | 4.8486% | 2,384 |
| Cash dividends to net income (ytd only)* | 16.9753% | 3,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0063% | 6,192 |
| Loan loss allowance to noncurrent loans | 479.7732% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.1659% | 6,534 |
| Noncurrent loans to loans | 0.2097% | 6,324 |
| Net loans and leases to total assets | 55.3703% | 4,820 |
| Net loans and leases to deposits | 61.6198% | 5,289 |
| Net loans and leases to core deposits | 65.0233% | 5,359 |
| Total domestic deposits to total assets | 89.8578% | 1,070 |
| Equity capital to assets | 8.4175% | 6,237 |
| Core capital (leverage) ratio | 8.3421% | 5,790 |
| Tier 1 risk-based capital ratio | 18.7718% | 1,967 |
| Total risk-based capital ratio | 20.0220% | 1,927 |
| Memoranda: | ||
| Average total assets | $437,166,200 | 1,493 |
| Average earning assets | $417,418,800 | 1,438 |
| Average equity | $36,390,600 | 1,860 |
| Average total loans | $252,824,400 | 1,658 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2909% | 5,974 |
| Cost of funding earning assets | 1.4732% | 942 |
| Net interest margin | 2.8177% | 6,867 |
| Noninterest income to average assets | 0.5739% | 3,347 |
| Noninterest expense to average assets | 2.1500% | 6,395 |
| Loan and lease loss provision to assets | 0.0599% | 5,692 |
| Net operating income to assets | 0.8012% | 3,159 |
| Return on assets (ROA) | 0.8570% | 3,064 |
| Pretax return on assets | 1.1291% | 2,901 |
| Return on Equity (ROE) | 10.3259% | 2,096 |
| Retained earnings to average equity (ytd only) | 8.3815% | 1,360 |
| Net charge-offs to loans | 0.1802% | 4,353 |
| Credit loss provision to net charge-offs | 57.0175% | 4,872 |
| Earnings coverage of net charge-offs (x) | 10.6111% | 1,902 |
| Efficiency ratio | 65.1323% | 4,870 |
| Assets per employee ($millions) | 4.8833% | 2,348 |
| Cash dividends to net income (ytd only)* | 18.8306% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9533% | 6,446 |
| Loan loss allowance to noncurrent loans | 256.3169% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.2521% | 6,432 |
| Noncurrent loans to loans | 0.3719% | 6,107 |
| Net loans and leases to total assets | 54.7724% | 5,036 |
| Net loans and leases to deposits | 60.6935% | 5,556 |
| Net loans and leases to core deposits | 63.9084% | 5,625 |
| Total domestic deposits to total assets | 90.2443% | 749 |
| Equity capital to assets | 8.3018% | 6,481 |
| Core capital (leverage) ratio | 8.2700% | 6,023 |
| Tier 1 risk-based capital ratio | 18.1913% | 2,191 |
| Total risk-based capital ratio | 19.3860% | 2,170 |
| Memoranda: | ||
| Average total assets | $433,728,000 | 1,512 |
| Average earning assets | $414,324,000 | 1,452 |
| Average equity | $35,999,250 | 1,879 |
| Average total loans | $252,977,250 | 1,669 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3364% | 5,887 |
| Cost of funding earning assets | 1.5124% | 963 |
| Net interest margin | 2.8240% | 6,893 |
| Noninterest income to average assets | 0.5411% | 3,546 |
| Noninterest expense to average assets | 2.1489% | 6,505 |
| Loan and lease loss provision to assets | 0.0211% | 6,020 |
| Net operating income to assets | 0.8130% | 3,014 |
| Return on assets (ROA) | 0.8507% | 2,950 |
| Pretax return on assets | 1.1220% | 2,766 |
| Return on Equity (ROE) | 10.2507% | 2,033 |
| Retained earnings to average equity (ytd only) | 8.3598% | 1,316 |
| Net charge-offs to loans | 0.2019% | 3,938 |
| Credit loss provision to net charge-offs | 17.5781% | 5,167 |
| Earnings coverage of net charge-offs (x) | 9.1172% | 1,963 |
| Efficiency ratio | 65.6119% | 4,951 |
| Assets per employee ($millions) | 4.8483% | 2,344 |
| Cash dividends to net income (ytd only)* | 18.4471% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9306% | 6,576 |
| Loan loss allowance to noncurrent loans | 130.3132% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.4597% | 6,003 |
| Noncurrent loans to loans | 0.7141% | 5,482 |
| Net loans and leases to total assets | 56.8483% | 4,841 |
| Net loans and leases to deposits | 63.0576% | 5,385 |
| Net loans and leases to core deposits | 66.5717% | 5,439 |
| Total domestic deposits to total assets | 90.1530% | 894 |
| Equity capital to assets | 8.3874% | 6,320 |
| Core capital (leverage) ratio | 8.1490% | 6,101 |
| Tier 1 risk-based capital ratio | 18.0743% | 2,151 |
| Total risk-based capital ratio | 19.2549% | 2,128 |
| Memoranda: | ||
| Average total assets | $426,923,000 | 1,548 |
| Average earning assets | $408,353,670 | 1,489 |
| Average equity | $35,431,670 | 1,891 |
| Average total loans | $253,590,000 | 1,692 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3593% | 5,824 |
| Cost of funding earning assets | 1.5227% | 1,083 |
| Net interest margin | 2.8366% | 6,854 |
| Noninterest income to average assets | 0.2937% | 5,569 |
| Noninterest expense to average assets | 2.1288% | 6,570 |
| Loan and lease loss provision to assets | 0.0256% | 5,641 |
| Net operating income to assets | 0.6675% | 3,676 |
| Return on assets (ROA) | 0.6963% | 3,594 |
| Pretax return on assets | 0.8905% | 3,537 |
| Return on Equity (ROE) | 8.4365% | 2,728 |
| Retained earnings to average equity (ytd only) | 6.4278% | 2,406 |
| Net charge-offs to loans | -0.0188% | 6,547 |
| Credit loss provision to net charge-offs | -225.0000% | 5,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1102% | 4,244 |
| Assets per employee ($millions) | 5.0332% | 2,118 |
| Cash dividends to net income (ytd only)* | 23.8095% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 6,374 |
| Loan loss allowance to noncurrent loans | 145.1885% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.4635% | 6,057 |
| Noncurrent loans to loans | 0.6933% | 5,636 |
| Net loans and leases to total assets | 59.3048% | 4,405 |
| Net loans and leases to deposits | 65.6444% | 5,026 |
| Net loans and leases to core deposits | 68.7276% | 5,201 |
| Total domestic deposits to total assets | 90.3425% | 936 |
| Equity capital to assets | 8.1777% | 6,309 |
| Core capital (leverage) ratio | 8.2444% | 5,915 |
| Tier 1 risk-based capital ratio | 17.6219% | 2,238 |
| Total risk-based capital ratio | 18.8724% | 2,212 |
| Memoranda: | ||
| Average total assets | $422,212,500 | 1,577 |
| Average earning assets | $404,009,500 | 1,510 |
| Average equity | $34,848,500 | 1,902 |
| Average total loans | $255,193,000 | 1,697 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6242% | 6,042 |
| Cost of funding earning assets | 1.7587% | 1,347 |
| Net interest margin | 2.8655% | 6,946 |
| Noninterest income to average assets | 0.5517% | 3,807 |
| Noninterest expense to average assets | 2.1046% | 6,829 |
| Loan and lease loss provision to assets | 0.1730% | 5,487 |
| Net operating income to assets | 0.7529% | 2,988 |
| Return on assets (ROA) | 0.7873% | 2,983 |
| Pretax return on assets | 1.0360% | 2,829 |
| Return on Equity (ROE) | 9.4869% | 2,114 |
| Retained earnings to average equity (ytd only) | 6.4487% | 1,584 |
| Net charge-offs to loans | 0.2074% | 5,047 |
| Credit loss provision to net charge-offs | 143.4426% | 2,601 |
| Earnings coverage of net charge-offs (x) | 9.6475% | 1,800 |
| Efficiency ratio | 63.9086% | 5,369 |
| Assets per employee ($millions) | 4.9012% | 2,295 |
| Cash dividends to net income (ytd only)* | 32.0251% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 6,386 |
| Loan loss allowance to noncurrent loans | 129.7753% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.5257% | 5,982 |
| Noncurrent loans to loans | 0.7706% | 5,505 |
| Net loans and leases to total assets | 60.3803% | 4,617 |
| Net loans and leases to deposits | 67.0314% | 5,250 |
| Net loans and leases to core deposits | 70.1616% | 5,429 |
| Total domestic deposits to total assets | 90.0776% | 1,047 |
| Equity capital to assets | 8.3319% | 6,107 |
| Core capital (leverage) ratio | 8.1703% | 5,874 |
| Tier 1 risk-based capital ratio | 17.2268% | 2,257 |
| Total risk-based capital ratio | 18.4767% | 2,225 |
| Memoranda: | ||
| Average total assets | $404,534,800 | 1,633 |
| Average earning assets | $383,529,800 | 1,574 |
| Average equity | $33,572,600 | 1,967 |
| Average total loans | $235,321,800 | 1,857 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6547% | 6,176 |
| Cost of funding earning assets | 1.8045% | 1,400 |
| Net interest margin | 2.8502% | 7,078 |
| Noninterest income to average assets | 0.5841% | 3,547 |
| Noninterest expense to average assets | 2.0874% | 6,873 |
| Loan and lease loss provision to assets | 0.1816% | 5,228 |
| Net operating income to assets | 0.7666% | 3,152 |
| Return on assets (ROA) | 0.7923% | 3,198 |
| Pretax return on assets | 1.0460% | 3,010 |
| Return on Equity (ROE) | 9.5567% | 2,300 |
| Retained earnings to average equity (ytd only) | 6.2724% | 2,219 |
| Net charge-offs to loans | 0.1359% | 5,210 |
| Credit loss provision to net charge-offs | 232.7660% | 1,468 |
| Earnings coverage of net charge-offs (x) | 15.2976% | 1,448 |
| Efficiency ratio | 63.2426% | 5,395 |
| Assets per employee ($millions) | 4.9701% | 2,220 |
| Cash dividends to net income (ytd only)* | 34.3673% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0756% | 6,037 |
| Loan loss allowance to noncurrent loans | 108.0606% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.5995% | 5,939 |
| Noncurrent loans to loans | 0.9954% | 5,244 |
| Net loans and leases to total assets | 58.1802% | 5,236 |
| Net loans and leases to deposits | 64.9706% | 5,793 |
| Net loans and leases to core deposits | 67.9462% | 5,948 |
| Total domestic deposits to total assets | 89.5484% | 1,098 |
| Equity capital to assets | 8.2973% | 6,512 |
| Core capital (leverage) ratio | 8.1527% | 6,115 |
| Tier 1 risk-based capital ratio | 16.8644% | 2,389 |
| Total risk-based capital ratio | 18.1154% | 2,349 |
| Memoranda: | ||
| Average total assets | $401,517,750 | 1,670 |
| Average earning assets | $379,938,750 | 1,605 |
| Average equity | $33,288,000 | 2,002 |
| Average total loans | $230,630,500 | 1,917 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6562% | 6,289 |
| Cost of funding earning assets | 1.8653% | 1,354 |
| Net interest margin | 2.7910% | 7,155 |
| Noninterest income to average assets | 0.5548% | 3,667 |
| Noninterest expense to average assets | 2.1035% | 6,899 |
| Loan and lease loss provision to assets | 0.0868% | 6,057 |
| Net operating income to assets | 0.7673% | 3,115 |
| Return on assets (ROA) | 0.7754% | 3,237 |
| Pretax return on assets | 1.0202% | 3,044 |
| Return on Equity (ROE) | 9.3552% | 2,331 |
| Retained earnings to average equity (ytd only) | 5.5790% | 2,570 |
| Net charge-offs to loans | 0.0620% | 5,523 |
| Credit loss provision to net charge-offs | 245.7143% | 1,566 |
| Earnings coverage of net charge-offs (x) | 31.0286% | 901 |
| Efficiency ratio | 65.3731% | 5,088 |
| Assets per employee ($millions) | 4.7946% | 2,457 |
| Cash dividends to net income (ytd only)* | 40.3646% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0302% | 6,269 |
| Loan loss allowance to noncurrent loans | 112.9122% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.5406% | 6,120 |
| Noncurrent loans to loans | 0.9123% | 5,455 |
| Net loans and leases to total assets | 57.3085% | 5,518 |
| Net loans and leases to deposits | 64.0004% | 6,040 |
| Net loans and leases to core deposits | 67.1157% | 6,137 |
| Total domestic deposits to total assets | 89.5440% | 1,151 |
| Equity capital to assets | 8.2822% | 6,447 |
| Core capital (leverage) ratio | 8.2091% | 5,929 |
| Tier 1 risk-based capital ratio | 17.0896% | 2,244 |
| Total risk-based capital ratio | 18.3368% | 2,199 |
| Memoranda: | ||
| Average total assets | $396,195,000 | 1,699 |
| Average earning assets | $375,497,000 | 1,646 |
| Average equity | $32,837,330 | 2,023 |
| Average total loans | $225,662,330 | 1,978 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6859% | 6,292 |
| Cost of funding earning assets | 1.8931% | 1,479 |
| Net interest margin | 2.7928% | 7,187 |
| Noninterest income to average assets | 0.5828% | 3,389 |
| Noninterest expense to average assets | 2.1161% | 6,894 |
| Loan and lease loss provision to assets | 0.1332% | 5,235 |
| Net operating income to assets | 0.7567% | 3,177 |
| Return on assets (ROA) | 0.7252% | 3,440 |
| Pretax return on assets | 0.9444% | 3,294 |
| Return on Equity (ROE) | 8.7463% | 2,579 |
| Retained earnings to average equity (ytd only) | 2.7548% | 4,487 |
| Net charge-offs to loans | 0.1143% | 4,296 |
| Credit loss provision to net charge-offs | 206.3492% | 1,809 |
| Earnings coverage of net charge-offs (x) | 17.3333% | 1,287 |
| Efficiency ratio | 65.0728% | 5,296 |
| Assets per employee ($millions) | 4.7344% | 2,594 |
| Cash dividends to net income (ytd only)* | 68.5028% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0878% | 6,061 |
| Loan loss allowance to noncurrent loans | 116.5370% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.5395% | 6,154 |
| Noncurrent loans to loans | 0.9335% | 5,454 |
| Net loans and leases to total assets | 55.4411% | 5,824 |
| Net loans and leases to deposits | 62.0735% | 6,268 |
| Net loans and leases to core deposits | 64.6343% | 6,408 |
| Total domestic deposits to total assets | 89.3152% | 1,354 |
| Equity capital to assets | 8.2583% | 6,355 |
| Core capital (leverage) ratio | 8.3099% | 5,723 |
| Tier 1 risk-based capital ratio | 17.3810% | 2,111 |
| Total risk-based capital ratio | 18.6276% | 2,085 |
| Memoranda: | ||
| Average total assets | $390,523,500 | 1,766 |
| Average earning assets | $370,814,000 | 1,704 |
| Average equity | $32,379,500 | 2,075 |
| Average total loans | $220,501,000 | 2,074 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9195% | 6,666 |
| Cost of funding earning assets | 2.2576% | 1,811 |
| Net interest margin | 2.6619% | 7,261 |
| Noninterest income to average assets | 0.5615% | 3,932 |
| Noninterest expense to average assets | 2.0425% | 7,292 |
| Loan and lease loss provision to assets | 0.1120% | 6,524 |
| Net operating income to assets | 0.7341% | 2,795 |
| Return on assets (ROA) | 0.7429% | 2,846 |
| Pretax return on assets | 0.9671% | 2,701 |
| Return on Equity (ROE) | 9.2320% | 1,946 |
| Retained earnings to average equity (ytd only) | 7.3402% | 864 |
| Net charge-offs to loans | 0.0979% | 6,151 |
| Credit loss provision to net charge-offs | 197.6636% | 1,993 |
| Earnings coverage of net charge-offs (x) | 18.8458% | 1,108 |
| Efficiency ratio | 65.3813% | 5,523 |
| Assets per employee ($millions) | 4.6758% | 2,653 |
| Cash dividends to net income (ytd only)* | 20.4918% | 3,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 6,108 |
| Loan loss allowance to noncurrent loans | 169.8760% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.4014% | 6,454 |
| Noncurrent loans to loans | 0.6211% | 6,000 |
| Net loans and leases to total assets | 56.2800% | 5,912 |
| Net loans and leases to deposits | 62.9403% | 6,366 |
| Net loans and leases to core deposits | 77.3746% | 6,309 |
| Total domestic deposits to total assets | 89.4181% | 1,257 |
| Equity capital to assets | 8.3248% | 6,160 |
| Core capital (leverage) ratio | 8.2720% | 5,671 |
| Tier 1 risk-based capital ratio | 17.3893% | 2,057 |
| Total risk-based capital ratio | 18.6398% | 2,013 |
| Memoranda: | ||
| Average total assets | $377,728,200 | 1,811 |
| Average earning assets | $361,660,800 | 1,733 |
| Average equity | $30,394,200 | 2,200 |
| Average total loans | $218,635,000 | 2,115 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9427% | 6,788 |
| Cost of funding earning assets | 2.3364% | 1,857 |
| Net interest margin | 2.6062% | 7,350 |
| Noninterest income to average assets | 0.5509% | 4,067 |
| Noninterest expense to average assets | 2.0504% | 7,281 |
| Loan and lease loss provision to assets | 0.0970% | 6,397 |
| Net operating income to assets | 0.6969% | 3,221 |
| Return on assets (ROA) | 0.7027% | 3,255 |
| Pretax return on assets | 0.9067% | 3,206 |
| Return on Equity (ROE) | 8.8112% | 2,336 |
| Retained earnings to average equity (ytd only) | 6.9170% | 1,538 |
| Net charge-offs to loans | 0.0336% | 6,427 |
| Credit loss provision to net charge-offs | 496.3636% | 799 |
| Earnings coverage of net charge-offs (x) | 50.9647% | 621 |
| Efficiency ratio | 67.0089% | 5,186 |
| Assets per employee ($millions) | 4.6184% | 2,676 |
| Cash dividends to net income (ytd only)* | 21.4972% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0667% | 5,922 |
| Loan loss allowance to noncurrent loans | 200.6867% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.3120% | 6,700 |
| Noncurrent loans to loans | 0.5315% | 6,246 |
| Net loans and leases to total assets | 56.5696% | 6,084 |
| Net loans and leases to deposits | 63.4831% | 6,544 |
| Net loans and leases to core deposits | 78.1417% | 6,475 |
| Total domestic deposits to total assets | 89.1096% | 1,150 |
| Equity capital to assets | 8.1857% | 6,657 |
| Core capital (leverage) ratio | 8.2464% | 5,924 |
| Tier 1 risk-based capital ratio | 17.3741% | 2,156 |
| Total risk-based capital ratio | 18.6245% | 2,111 |
| Memoranda: | ||
| Average total assets | $375,136,500 | 1,834 |
| Average earning assets | $359,231,500 | 1,757 |
| Average equity | $29,915,750 | 2,260 |
| Average total loans | $218,106,500 | 2,145 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9591% | 6,897 |
| Cost of funding earning assets | 2.4203% | 1,879 |
| Net interest margin | 2.5388% | 7,429 |
| Noninterest income to average assets | 0.4903% | 4,531 |
| Noninterest expense to average assets | 2.0445% | 7,387 |
| Loan and lease loss provision to assets | 0.0929% | 6,239 |
| Net operating income to assets | 0.6214% | 3,581 |
| Return on assets (ROA) | 0.6085% | 3,751 |
| Pretax return on assets | 0.7653% | 3,790 |
| Return on Equity (ROE) | 7.7001% | 2,889 |
| Retained earnings to average equity (ytd only) | 5.8311% | 2,102 |
| Net charge-offs to loans | 0.0404% | 5,904 |
| Credit loss provision to net charge-offs | 393.1818% | 1,184 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 857 |
| Efficiency ratio | 69.7332% | 4,837 |
| Assets per employee ($millions) | 4.7160% | 2,444 |
| Cash dividends to net income (ytd only)* | 24.2718% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 6,114 |
| Loan loss allowance to noncurrent loans | 389.7747% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.1633% | 7,141 |
| Noncurrent loans to loans | 0.2604% | 6,872 |
| Net loans and leases to total assets | 58.1368% | 5,944 |
| Net loans and leases to deposits | 65.0711% | 6,471 |
| Net loans and leases to core deposits | 81.3180% | 6,298 |
| Total domestic deposits to total assets | 89.3435% | 1,104 |
| Equity capital to assets | 7.8883% | 6,877 |
| Core capital (leverage) ratio | 8.1659% | 6,045 |
| Tier 1 risk-based capital ratio | 16.8145% | 2,360 |
| Total risk-based capital ratio | 18.0486% | 2,313 |
| Memoranda: | ||
| Average total assets | $372,406,000 | 1,871 |
| Average earning assets | $356,237,000 | 1,789 |
| Average equity | $29,428,330 | 2,312 |
| Average total loans | $217,747,000 | 2,176 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9683% | 7,015 |
| Cost of funding earning assets | 2.4847% | 1,972 |
| Net interest margin | 2.4836% | 7,522 |
| Noninterest income to average assets | 0.5265% | 4,085 |
| Noninterest expense to average assets | 2.0283% | 7,285 |
| Loan and lease loss provision to assets | 0.1568% | 4,927 |
| Net operating income to assets | 0.5700% | 4,145 |
| Return on assets (ROA) | 0.5709% | 4,338 |
| Pretax return on assets | 0.7125% | 4,390 |
| Return on Equity (ROE) | 7.2176% | 3,494 |
| Retained earnings to average equity (ytd only) | 5.3722% | 2,925 |
| Net charge-offs to loans | 0.0612% | 4,603 |
| Credit loss provision to net charge-offs | 439.3939% | 1,202 |
| Earnings coverage of net charge-offs (x) | 24.3333% | 1,244 |
| Efficiency ratio | 70.0261% | 4,571 |
| Assets per employee ($millions) | 4.6326% | 2,529 |
| Cash dividends to net income (ytd only)* | 25.5682% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0295% | 5,945 |
| Loan loss allowance to noncurrent loans | 361.7504% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 6,797 |
| Noncurrent loans to loans | 0.2846% | 6,726 |
| Net loans and leases to total assets | 57.8959% | 5,957 |
| Net loans and leases to deposits | 65.0779% | 6,453 |
| Net loans and leases to core deposits | 81.2963% | 6,286 |
| Total domestic deposits to total assets | 88.9641% | 1,243 |
| Equity capital to assets | 7.9607% | 6,869 |
| Core capital (leverage) ratio | 8.2054% | 6,089 |
| Tier 1 risk-based capital ratio | 16.7533% | 2,423 |
| Total risk-based capital ratio | 17.9920% | 2,359 |
| Memoranda: | ||
| Average total assets | $369,968,500 | 1,886 |
| Average earning assets | $353,037,000 | 1,814 |
| Average equity | $29,262,000 | 2,331 |
| Average total loans | $215,826,500 | 2,213 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4126% | 7,444 |
| Cost of funding earning assets | 2.9357% | 2,118 |
| Net interest margin | 2.4769% | 7,779 |
| Noninterest income to average assets | 0.4611% | 4,957 |
| Noninterest expense to average assets | 1.7975% | 7,758 |
| Loan and lease loss provision to assets | 0.0979% | 6,137 |
| Net operating income to assets | 0.7117% | 3,838 |
| Return on assets (ROA) | 0.7147% | 3,659 |
| Pretax return on assets | 0.9349% | 3,601 |
| Return on Equity (ROE) | 9.3069% | 2,523 |
| Retained earnings to average equity (ytd only) | 7.4663% | 996 |
| Net charge-offs to loans | 0.1138% | 5,125 |
| Credit loss provision to net charge-offs | 151.4894% | 3,460 |
| Earnings coverage of net charge-offs (x) | 15.9234% | 1,891 |
| Efficiency ratio | 63.5957% | 5,647 |
| Assets per employee ($millions) | 4.7350% | 2,275 |
| Cash dividends to net income (ytd only)* | 19.7768% | 4,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9867% | 6,169 |
| Loan loss allowance to noncurrent loans | 286.0999% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.2873% | 6,433 |
| Noncurrent loans to loans | 0.3449% | 6,342 |
| Net loans and leases to total assets | 57.6001% | 6,258 |
| Net loans and leases to deposits | 64.5684% | 6,748 |
| Net loans and leases to core deposits | 80.3403% | 6,592 |
| Total domestic deposits to total assets | 89.2080% | 959 |
| Equity capital to assets | 7.8578% | 7,035 |
| Core capital (leverage) ratio | 8.0940% | 6,332 |
| Tier 1 risk-based capital ratio | 16.6852% | 2,424 |
| Total risk-based capital ratio | 17.8724% | 2,376 |
| Memoranda: | ||
| Average total assets | $363,667,600 | 1,842 |
| Average earning assets | $347,282,000 | 1,782 |
| Average equity | $27,925,600 | 2,416 |
| Average total loans | $206,583,400 | 2,234 |