Home > Central National Bank > Performance and Condition Ratios
Central 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 | 4.9124% | 2,252 |
| Cost of funding earning assets | 2.1883% | 651 |
| Net interest margin | 2.7241% | 3,783 |
| Noninterest income to average assets | 1.5200% | 380 |
| Noninterest expense to average assets | 3.0705% | 1,011 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 0.8009% | 2,871 |
| Return on assets (ROA) | 0.6892% | 3,198 |
| Pretax return on assets | 0.8341% | 3,130 |
| Return on Equity (ROE) | 7.9200% | 3,041 |
| Retained earnings to average equity (ytd only) | 5.1985% | 2,533 |
| Net charge-offs to loans | -0.0997% | 4,494 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 76.3907% | 1,216 |
| Assets per employee ($millions) | 4.8852% | 3,717 |
| Cash dividends to net income (ytd only)* | 34.3918% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9913% | 376 |
| Loan loss allowance to noncurrent loans | 2,572.7447% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0402% | 3,348 |
| Noncurrent loans to loans | 0.0774% | 3,166 |
| Net loans and leases to total assets | 50.9600% | 3,541 |
| Net loans and leases to deposits | 56.3775% | 3,692 |
| Net loans and leases to core deposits | 57.9805% | 3,839 |
| Total domestic deposits to total assets | 90.3900% | 654 |
| Equity capital to assets | 8.9751% | 2,690 |
| Core capital (leverage) ratio | 11.0075% | 1,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,265,697,000 | 825 |
| Average earning assets | $1,161,723,200 | 816 |
| Average equity | $110,089,400 | 888 |
| Average total loans | $674,229,400 | 993 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9817% | 1,867 |
| Cost of funding earning assets | 2.2602% | 446 |
| Net interest margin | 2.7215% | 3,851 |
| Noninterest income to average assets | 1.4700% | 394 |
| Noninterest expense to average assets | 3.0814% | 954 |
| Loan and lease loss provision to assets | -0.0300% | 4,416 |
| Net operating income to assets | 0.7349% | 3,220 |
| Return on assets (ROA) | 0.7347% | 3,207 |
| Pretax return on assets | 0.9156% | 3,064 |
| Return on Equity (ROE) | 8.5200% | 3,052 |
| Retained earnings to average equity (ytd only) | 8.5170% | 1,810 |
| Net charge-offs to loans | -0.0385% | 4,312 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 77.6035% | 1,038 |
| Assets per employee ($millions) | 4.4527% | 3,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9320% | 442 |
| Loan loss allowance to noncurrent loans | 2,147.8405% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 3,316 |
| Noncurrent loans to loans | 0.0900% | 3,132 |
| Net loans and leases to total assets | 53.8000% | 3,374 |
| Net loans and leases to deposits | 59.5064% | 3,534 |
| Net loans and leases to core deposits | 61.0476% | 3,654 |
| Total domestic deposits to total assets | 90.4000% | 841 |
| Equity capital to assets | 8.9186% | 2,468 |
| Core capital (leverage) ratio | 10.2820% | 2,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,258,474,250 | 831 |
| Average earning assets | $1,155,162,250 | 822 |
| Average equity | $108,564,000 | 889 |
| Average total loans | $674,506,250 | 991 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8426% | 1,896 |
| Cost of funding earning assets | 2.1835% | 348 |
| Net interest margin | 2.6591% | 4,026 |
| Noninterest income to average assets | 1.4500% | 341 |
| Noninterest expense to average assets | 3.0041% | 1,040 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7123% | 3,320 |
| Return on assets (ROA) | 0.7120% | 3,318 |
| Pretax return on assets | 0.8900% | 3,196 |
| Return on Equity (ROE) | 8.3400% | 3,155 |
| Retained earnings to average equity (ytd only) | 8.3443% | 1,863 |
| Net charge-offs to loans | -0.0455% | 4,354 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.1390% | 1,080 |
| Assets per employee ($millions) | 4.6942% | 3,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9085% | 489 |
| Loan loss allowance to noncurrent loans | 1,793.9891% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 3,196 |
| Noncurrent loans to loans | 0.1064% | 2,950 |
| Net loans and leases to total assets | 52.6700% | 3,358 |
| Net loans and leases to deposits | 58.0655% | 3,530 |
| Net loans and leases to core deposits | 59.7926% | 3,644 |
| Total domestic deposits to total assets | 90.7000% | 728 |
| Equity capital to assets | 8.6019% | 2,777 |
| Core capital (leverage) ratio | 9.8159% | 2,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,271,283,667 | 811 |
| Average earning assets | $1,168,306,000 | 809 |
| Average equity | $108,481,667 | 883 |
| Average total loans | $676,255,000 | 981 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6222% | 2,032 |
| Cost of funding earning assets | 2.0650% | 257 |
| Net interest margin | 2.5571% | 4,249 |
| Noninterest income to average assets | 1.5100% | 329 |
| Noninterest expense to average assets | 3.0249% | 1,020 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6732% | 3,521 |
| Return on assets (ROA) | 0.6732% | 3,475 |
| Pretax return on assets | 0.8334% | 3,384 |
| Return on Equity (ROE) | 7.9200% | 3,311 |
| Retained earnings to average equity (ytd only) | 7.9216% | 2,246 |
| Net charge-offs to loans | -0.0513% | 4,368 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.4001% | 965 |
| Assets per employee ($millions) | 4.5588% | 3,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9502% | 485 |
| Loan loss allowance to noncurrent loans | 1,782.5375% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 3,214 |
| Noncurrent loans to loans | 0.1094% | 2,980 |
| Net loans and leases to total assets | 51.4700% | 3,384 |
| Net loans and leases to deposits | 56.7198% | 3,531 |
| Net loans and leases to core deposits | 58.7236% | 3,597 |
| Total domestic deposits to total assets | 90.7400% | 894 |
| Equity capital to assets | 8.5849% | 2,824 |
| Core capital (leverage) ratio | 9.8497% | 2,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,266,166,500 | 833 |
| Average earning assets | $1,162,402,500 | 830 |
| Average equity | $107,605,000 | 898 |
| Average total loans | $670,351,000 | 1,001 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6841% | 2,571 |
| Cost of funding earning assets | 0.6634% | 683 |
| Net interest margin | 3.0207% | 3,393 |
| Noninterest income to average assets | 2.2000% | 217 |
| Noninterest expense to average assets | 3.2212% | 695 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3903% | 1,159 |
| Return on assets (ROA) | 0.9939% | 2,541 |
| Pretax return on assets | 1.2531% | 2,271 |
| Return on Equity (ROE) | 11.0600% | 2,452 |
| Retained earnings to average equity (ytd only) | 9.2929% | 1,391 |
| Net charge-offs to loans | 0.0291% | 1,482 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 119.3838% | 889 |
| Efficiency ratio | 64.7329% | 2,397 |
| Assets per employee ($millions) | 4.5503% | 4,001 |
| Cash dividends to net income (ytd only)* | 15.9898% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9353% | 488 |
| Loan loss allowance to noncurrent loans | 1,600.4932% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.0646% | 3,154 |
| Noncurrent loans to loans | 0.1209% | 2,916 |
| Net loans and leases to total assets | 52.3700% | 3,333 |
| Net loans and leases to deposits | 57.5709% | 3,483 |
| Net loans and leases to core deposits | 59.8218% | 3,516 |
| Total domestic deposits to total assets | 90.9700% | 971 |
| Equity capital to assets | 8.4107% | 2,767 |
| Core capital (leverage) ratio | 9.9383% | 2,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,258,513,600 | 814 |
| Average earning assets | $1,157,772,400 | 819 |
| Average equity | $113,075,800 | 862 |
| Average total loans | $636,165,400 | 991 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4347% | 2,819 |
| Cost of funding earning assets | 0.3981% | 1,301 |
| Net interest margin | 3.0366% | 3,126 |
| Noninterest income to average assets | 2.2900% | 229 |
| Noninterest expense to average assets | 3.2272% | 662 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4678% | 913 |
| Return on assets (ROA) | 1.1106% | 2,015 |
| Pretax return on assets | 1.4045% | 1,702 |
| Return on Equity (ROE) | 12.1700% | 1,983 |
| Retained earnings to average equity (ytd only) | 12.1674% | 758 |
| Net charge-offs to loans | 0.0695% | 809 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 53.6208% | 1,243 |
| Efficiency ratio | 63.4800% | 2,626 |
| Assets per employee ($millions) | 4.4564% | 4,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9550% | 540 |
| Loan loss allowance to noncurrent loans | 1,463.9681% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.0716% | 3,178 |
| Noncurrent loans to loans | 0.1335% | 2,968 |
| Net loans and leases to total assets | 52.5400% | 3,229 |
| Net loans and leases to deposits | 58.1544% | 3,331 |
| Net loans and leases to core deposits | 59.7431% | 3,403 |
| Total domestic deposits to total assets | 90.3400% | 1,509 |
| Equity capital to assets | 8.6159% | 2,470 |
| Core capital (leverage) ratio | 10.2479% | 2,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,259,172,000 | 819 |
| Average earning assets | $1,160,176,000 | 819 |
| Average equity | $114,937,750 | 859 |
| Average total loans | $627,531,000 | 997 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2054% | 3,025 |
| Cost of funding earning assets | 0.2066% | 2,828 |
| Net interest margin | 2.9988% | 2,875 |
| Noninterest income to average assets | 1.8911% | 249 |
| Noninterest expense to average assets | 3.1682% | 663 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1836% | 1,486 |
| Return on assets (ROA) | 1.1836% | 1,461 |
| Pretax return on assets | 1.4920% | 1,194 |
| Return on Equity (ROE) | 12.7365% | 1,454 |
| Retained earnings to average equity (ytd only) | 12.7365% | 498 |
| Net charge-offs to loans | -0.0081% | 3,511 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9842% | 2,246 |
| Assets per employee ($millions) | 4.5993% | 4,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0551% | 497 |
| Loan loss allowance to noncurrent loans | 789.9401% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.1316% | 2,790 |
| Noncurrent loans to loans | 0.2602% | 2,438 |
| Net loans and leases to total assets | 49.5290% | 3,420 |
| Net loans and leases to deposits | 55.3489% | 3,432 |
| Net loans and leases to core deposits | 57.0330% | 3,491 |
| Total domestic deposits to total assets | 89.4852% | 1,953 |
| Equity capital to assets | 8.4421% | 2,807 |
| Core capital (leverage) ratio | 10.1018% | 2,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,270,390,000 | 812 |
| Average earning assets | $1,173,075,333 | 815 |
| Average equity | $118,054,000 | 853 |
| Average total loans | $617,803,000 | 1,003 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1123% | 2,944 |
| Cost of funding earning assets | 0.1535% | 3,453 |
| Net interest margin | 2.9587% | 2,643 |
| Noninterest income to average assets | 2.1576% | 212 |
| Noninterest expense to average assets | 3.3564% | 490 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2275% | 1,176 |
| Return on assets (ROA) | 1.2275% | 1,160 |
| Pretax return on assets | 1.5429% | 930 |
| Return on Equity (ROE) | 12.6317% | 1,121 |
| Retained earnings to average equity (ytd only) | 12.6317% | 512 |
| Net charge-offs to loans | 0.0363% | 933 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 89.1273% | 711 |
| Efficiency ratio | 68.5083% | 2,443 |
| Assets per employee ($millions) | 4.5547% | 4,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1509% | 480 |
| Loan loss allowance to noncurrent loans | 616.4081% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.1668% | 2,628 |
| Noncurrent loans to loans | 0.3489% | 2,235 |
| Net loans and leases to total assets | 46.7689% | 3,513 |
| Net loans and leases to deposits | 52.7186% | 3,516 |
| Net loans and leases to core deposits | 54.3277% | 3,572 |
| Total domestic deposits to total assets | 88.7142% | 2,204 |
| Equity capital to assets | 9.3382% | 2,408 |
| Core capital (leverage) ratio | 10.0082% | 2,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,270,881,500 | 820 |
| Average earning assets | $1,177,668,000 | 816 |
| Average equity | $123,498,500 | 837 |
| Average total loans | $605,746,000 | 1,010 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4985% | 2,667 |
| Cost of funding earning assets | 0.1542% | 3,925 |
| Net interest margin | 3.3442% | 2,192 |
| Noninterest income to average assets | 2.0158% | 316 |
| Noninterest expense to average assets | 3.3251% | 603 |
| Loan and lease loss provision to assets | 0.2276% | 440 |
| Net operating income to assets | 1.2477% | 1,749 |
| Return on assets (ROA) | 1.2482% | 1,808 |
| Pretax return on assets | 1.5662% | 1,520 |
| Return on Equity (ROE) | 11.6335% | 1,937 |
| Retained earnings to average equity (ytd only) | 5.4627% | 2,585 |
| Net charge-offs to loans | 0.4024% | 209 |
| Credit loss provision to net charge-offs | 112.6126% | 1,695 |
| Earnings coverage of net charge-offs (x) | 8.8726% | 2,285 |
| Efficiency ratio | 64.9656% | 2,411 |
| Assets per employee ($millions) | 4.6053% | 4,029 |
| Cash dividends to net income (ytd only)* | 53.0434% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1881% | 455 |
| Loan loss allowance to noncurrent loans | 569.4336% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.1826% | 2,656 |
| Noncurrent loans to loans | 0.3843% | 2,214 |
| Net loans and leases to total assets | 46.4890% | 3,653 |
| Net loans and leases to deposits | 52.6841% | 3,691 |
| Net loans and leases to core deposits | 54.5506% | 3,723 |
| Total domestic deposits to total assets | 88.2411% | 1,912 |
| Equity capital to assets | 10.0995% | 2,555 |
| Core capital (leverage) ratio | 10.0876% | 2,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,208,312,400 | 824 |
| Average earning assets | $1,120,979,600 | 822 |
| Average equity | $129,643,000 | 799 |
| Average total loans | $606,819,000 | 999 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5741% | 2,626 |
| Cost of funding earning assets | 0.1653% | 3,972 |
| Net interest margin | 3.4088% | 2,129 |
| Noninterest income to average assets | 2.0746% | 325 |
| Noninterest expense to average assets | 3.2836% | 611 |
| Loan and lease loss provision to assets | 0.0838% | 1,423 |
| Net operating income to assets | 1.4811% | 1,317 |
| Return on assets (ROA) | 1.4818% | 1,366 |
| Pretax return on assets | 1.8662% | 1,007 |
| Return on Equity (ROE) | 13.5987% | 1,522 |
| Retained earnings to average equity (ytd only) | 13.5987% | 560 |
| Net charge-offs to loans | 0.1156% | 668 |
| Credit loss provision to net charge-offs | 142.3150% | 1,380 |
| Earnings coverage of net charge-offs (x) | 33.1157% | 1,473 |
| Efficiency ratio | 62.7508% | 2,572 |
| Assets per employee ($millions) | 4.3724% | 4,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2244% | 440 |
| Loan loss allowance to noncurrent loans | 282.6059% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.3835% | 1,908 |
| Noncurrent loans to loans | 0.7871% | 1,436 |
| Net loans and leases to total assets | 47.6393% | 3,660 |
| Net loans and leases to deposits | 55.2802% | 3,639 |
| Net loans and leases to core deposits | 56.9758% | 3,701 |
| Total domestic deposits to total assets | 86.1778% | 2,678 |
| Equity capital to assets | 11.3088% | 1,805 |
| Core capital (leverage) ratio | 10.7544% | 1,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,193,778,250 | 845 |
| Average earning assets | $1,106,013,500 | 838 |
| Average equity | $130,077,500 | 810 |
| Average total loans | $608,041,000 | 1,016 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5133% | 2,854 |
| Cost of funding earning assets | 0.1733% | 4,008 |
| Net interest margin | 3.3400% | 2,330 |
| Noninterest income to average assets | 2.3150% | 273 |
| Noninterest expense to average assets | 3.2550% | 657 |
| Loan and lease loss provision to assets | 0.1261% | 996 |
| Net operating income to assets | 1.5988% | 1,051 |
| Return on assets (ROA) | 1.5997% | 1,107 |
| Pretax return on assets | 2.0325% | 785 |
| Return on Equity (ROE) | 14.8719% | 1,195 |
| Retained earnings to average equity (ytd only) | 14.8719% | 446 |
| Net charge-offs to loans | 0.1812% | 466 |
| Credit loss provision to net charge-offs | 134.6499% | 1,211 |
| Earnings coverage of net charge-offs (x) | 23.0359% | 1,473 |
| Efficiency ratio | 60.1386% | 3,005 |
| Assets per employee ($millions) | 4.3559% | 4,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2286% | 406 |
| Loan loss allowance to noncurrent loans | 283.8296% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.3786% | 2,094 |
| Noncurrent loans to loans | 0.7852% | 1,547 |
| Net loans and leases to total assets | 47.1415% | 3,814 |
| Net loans and leases to deposits | 54.2535% | 3,843 |
| Net loans and leases to core deposits | 55.2869% | 3,943 |
| Total domestic deposits to total assets | 86.8911% | 2,386 |
| Equity capital to assets | 10.8651% | 2,095 |
| Core capital (leverage) ratio | 10.2384% | 2,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,189,445,000 | 837 |
| Average earning assets | $1,103,051,667 | 835 |
| Average equity | $127,946,000 | 820 |
| Average total loans | $614,728,333 | 996 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5085% | 2,896 |
| Cost of funding earning assets | 0.1876% | 4,023 |
| Net interest margin | 3.3209% | 2,332 |
| Noninterest income to average assets | 2.9494% | 202 |
| Noninterest expense to average assets | 3.5790% | 425 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.9177% | 645 |
| Return on assets (ROA) | 1.9196% | 689 |
| Pretax return on assets | 2.4537% | 472 |
| Return on Equity (ROE) | 17.9385% | 734 |
| Retained earnings to average equity (ytd only) | 17.9385% | 370 |
| Net charge-offs to loans | -0.0674% | 4,505 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3505% | 3,108 |
| Assets per employee ($millions) | 4.2657% | 4,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0949% | 507 |
| Loan loss allowance to noncurrent loans | 784.4900% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.1544% | 3,393 |
| Noncurrent loans to loans | 0.2670% | 3,153 |
| Net loans and leases to total assets | 50.3246% | 3,592 |
| Net loans and leases to deposits | 57.6077% | 3,668 |
| Net loans and leases to core deposits | 58.7862% | 3,784 |
| Total domestic deposits to total assets | 87.3573% | 2,155 |
| Equity capital to assets | 10.5202% | 2,256 |
| Core capital (leverage) ratio | 10.4759% | 2,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,176,513,500 | 839 |
| Average earning assets | $1,091,516,000 | 831 |
| Average equity | $125,897,000 | 825 |
| Average total loans | $629,106,000 | 977 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9014% | 3,022 |
| Cost of funding earning assets | 0.3894% | 3,651 |
| Net interest margin | 3.5120% | 2,432 |
| Noninterest income to average assets | 2.7997% | 213 |
| Noninterest expense to average assets | 3.8582% | 430 |
| Loan and lease loss provision to assets | 0.7650% | 175 |
| Net operating income to assets | 1.1640% | 1,671 |
| Return on assets (ROA) | 1.2417% | 1,516 |
| Pretax return on assets | 1.4907% | 1,360 |
| Return on Equity (ROE) | 11.1010% | 1,595 |
| Retained earnings to average equity (ytd only) | 8.5834% | 883 |
| Net charge-offs to loans | 0.7094% | 210 |
| Credit loss provision to net charge-offs | 192.3985% | 2,197 |
| Earnings coverage of net charge-offs (x) | 5.4377% | 2,867 |
| Efficiency ratio | 64.0863% | 2,807 |
| Assets per employee ($millions) | 4.0923% | 4,302 |
| Cash dividends to net income (ytd only)* | 22.6792% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0168% | 565 |
| Loan loss allowance to noncurrent loans | 734.0753% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.1935% | 3,309 |
| Noncurrent loans to loans | 0.2747% | 3,204 |
| Net loans and leases to total assets | 54.5312% | 3,443 |
| Net loans and leases to deposits | 62.1527% | 3,596 |
| Net loans and leases to core deposits | 63.5171% | 3,729 |
| Total domestic deposits to total assets | 87.7375% | 1,592 |
| Equity capital to assets | 10.8912% | 2,351 |
| Core capital (leverage) ratio | 10.4834% | 2,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,065,351,200 | 827 |
| Average earning assets | $976,943,000 | 834 |
| Average equity | $119,160,800 | 827 |
| Average total loans | $597,094,000 | 985 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9548% | 3,098 |
| Cost of funding earning assets | 0.4476% | 3,536 |
| Net interest margin | 3.5072% | 2,568 |
| Noninterest income to average assets | 2.8060% | 203 |
| Noninterest expense to average assets | 3.7624% | 479 |
| Loan and lease loss provision to assets | 0.5740% | 459 |
| Net operating income to assets | 1.3403% | 1,260 |
| Return on assets (ROA) | 1.4571% | 1,069 |
| Pretax return on assets | 1.8251% | 748 |
| Return on Equity (ROE) | 12.9342% | 1,131 |
| Retained earnings to average equity (ytd only) | 12.9342% | 335 |
| Net charge-offs to loans | 0.3208% | 491 |
| Credit loss provision to net charge-offs | 318.6969% | 1,706 |
| Earnings coverage of net charge-offs (x) | 12.5092% | 2,249 |
| Efficiency ratio | 62.5451% | 2,987 |
| Assets per employee ($millions) | 3.9793% | 4,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9062% | 578 |
| Loan loss allowance to noncurrent loans | 371.4903% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.3474% | 2,750 |
| Noncurrent loans to loans | 0.5131% | 2,516 |
| Net loans and leases to total assets | 56.4131% | 3,585 |
| Net loans and leases to deposits | 65.0332% | 3,700 |
| Net loans and leases to core deposits | 66.4440% | 3,867 |
| Total domestic deposits to total assets | 86.7452% | 1,753 |
| Equity capital to assets | 11.5015% | 2,003 |
| Core capital (leverage) ratio | 10.7531% | 2,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,045,228,750 | 831 |
| Average earning assets | $956,522,250 | 839 |
| Average equity | $117,752,000 | 831 |
| Average total loans | $586,942,000 | 992 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0419% | 3,217 |
| Cost of funding earning assets | 0.5088% | 3,480 |
| Net interest margin | 3.5330% | 2,694 |
| Noninterest income to average assets | 2.6835% | 194 |
| Noninterest expense to average assets | 3.8291% | 485 |
| Loan and lease loss provision to assets | 0.3406% | 1,258 |
| Net operating income to assets | 1.3857% | 1,145 |
| Return on assets (ROA) | 1.4678% | 1,073 |
| Pretax return on assets | 1.8409% | 754 |
| Return on Equity (ROE) | 13.1267% | 1,071 |
| Retained earnings to average equity (ytd only) | 13.1267% | 342 |
| Net charge-offs to loans | -0.0301% | 4,540 |
| Credit loss provision to net charge-offs | -2,034.8837% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8119% | 2,692 |
| Assets per employee ($millions) | 4.1281% | 4,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7165% | 788 |
| Loan loss allowance to noncurrent loans | 1,167.4242% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 3,827 |
| Noncurrent loans to loans | 0.1470% | 3,868 |
| Net loans and leases to total assets | 53.2450% | 3,937 |
| Net loans and leases to deposits | 65.1272% | 3,796 |
| Net loans and leases to core deposits | 66.5680% | 3,950 |
| Total domestic deposits to total assets | 81.7554% | 3,437 |
| Equity capital to assets | 10.5210% | 2,731 |
| Core capital (leverage) ratio | 10.9393% | 2,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,027,540,333 | 826 |
| Average earning assets | $937,830,667 | 842 |
| Average equity | $114,896,000 | 848 |
| Average total loans | $572,048,667 | 1,002 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3195% | 2,860 |
| Cost of funding earning assets | 0.7136% | 2,873 |
| Net interest margin | 3.6059% | 2,646 |
| Noninterest income to average assets | 2.9801% | 153 |
| Noninterest expense to average assets | 4.1984% | 418 |
| Loan and lease loss provision to assets | 0.4161% | 732 |
| Net operating income to assets | 1.3246% | 1,175 |
| Return on assets (ROA) | 1.4817% | 891 |
| Pretax return on assets | 1.8483% | 633 |
| Return on Equity (ROE) | 12.7953% | 915 |
| Retained earnings to average equity (ytd only) | 12.7953% | 339 |
| Net charge-offs to loans | -0.0831% | 4,779 |
| Credit loss provision to net charge-offs | -884.9558% | 3,528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9987% | 2,817 |
| Assets per employee ($millions) | 3.4564% | 4,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8476% | 665 |
| Loan loss allowance to noncurrent loans | 4,091.0569% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.1099% | 4,067 |
| Noncurrent loans to loans | 0.0452% | 4,371 |
| Net loans and leases to total assets | 54.8503% | 3,922 |
| Net loans and leases to deposits | 63.4088% | 4,014 |
| Net loans and leases to core deposits | 65.3531% | 4,112 |
| Total domestic deposits to total assets | 86.5027% | 1,780 |
| Equity capital to assets | 11.5737% | 2,376 |
| Core capital (leverage) ratio | 11.3487% | 2,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $961,311,500 | 857 |
| Average earning assets | $876,115,000 | 870 |
| Average equity | $111,322,500 | 861 |
| Average total loans | $543,859,000 | 1,022 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3414% | 3,415 |
| Cost of funding earning assets | 0.8865% | 2,251 |
| Net interest margin | 3.4550% | 3,577 |
| Noninterest income to average assets | 1.8730% | 289 |
| Noninterest expense to average assets | 3.9092% | 591 |
| Loan and lease loss provision to assets | 0.0518% | 2,987 |
| Net operating income to assets | 0.8706% | 3,310 |
| Return on assets (ROA) | 0.9774% | 2,997 |
| Pretax return on assets | 1.1776% | 2,921 |
| Return on Equity (ROE) | 8.6336% | 2,894 |
| Retained earnings to average equity (ytd only) | -1.4257% | 4,838 |
| Net charge-offs to loans | 0.0428% | 2,537 |
| Credit loss provision to net charge-offs | 222.2222% | 1,193 |
| Earnings coverage of net charge-offs (x) | 47.2578% | 1,174 |
| Efficiency ratio | 78.0287% | 1,149 |
| Assets per employee ($millions) | 3.2463% | 4,674 |
| Cash dividends to net income (ytd only)* | 116.5131% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6473% | 891 |
| Loan loss allowance to noncurrent loans | 749.1625% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.2180% | 3,587 |
| Noncurrent loans to loans | 0.2199% | 3,664 |
| Net loans and leases to total assets | 56.3424% | 3,902 |
| Net loans and leases to deposits | 64.7733% | 4,021 |
| Net loans and leases to core deposits | 66.9148% | 4,139 |
| Total domestic deposits to total assets | 86.9841% | 1,616 |
| Equity capital to assets | 11.5871% | 2,448 |
| Core capital (leverage) ratio | 10.9227% | 2,571 |
| Tier 1 risk-based capital ratio | 16.5039% | 2,215 |
| Total risk-based capital ratio | 17.7555% | 2,159 |
| Memoranda: | ||
| Average total assets | $965,966,400 | 808 |
| Average earning assets | $877,058,600 | 824 |
| Average equity | $109,352,400 | 835 |
| Average total loans | $526,055,600 | 1,025 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2521% | 3,805 |
| Cost of funding earning assets | 0.9079% | 2,197 |
| Net interest margin | 3.3442% | 4,005 |
| Noninterest income to average assets | 1.8323% | 306 |
| Noninterest expense to average assets | 3.8035% | 655 |
| Loan and lease loss provision to assets | 0.0687% | 2,502 |
| Net operating income to assets | 0.8324% | 3,567 |
| Return on assets (ROA) | 0.9741% | 3,152 |
| Pretax return on assets | 1.1671% | 3,080 |
| Return on Equity (ROE) | 8.6542% | 3,031 |
| Retained earnings to average equity (ytd only) | -2.3314% | 4,951 |
| Net charge-offs to loans | 0.1316% | 1,208 |
| Credit loss provision to net charge-offs | 97.0874% | 2,319 |
| Earnings coverage of net charge-offs (x) | 15.0544% | 2,212 |
| Efficiency ratio | 78.1224% | 1,092 |
| Assets per employee ($millions) | 3.2448% | 4,712 |
| Cash dividends to net income (ytd only)* | 126.9393% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6031% | 990 |
| Loan loss allowance to noncurrent loans | 785.6884% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.1899% | 3,808 |
| Noncurrent loans to loans | 0.2040% | 3,811 |
| Net loans and leases to total assets | 54.6928% | 4,118 |
| Net loans and leases to deposits | 63.4974% | 4,209 |
| Net loans and leases to core deposits | 65.3783% | 4,311 |
| Total domestic deposits to total assets | 86.1339% | 1,930 |
| Equity capital to assets | 11.2950% | 2,838 |
| Core capital (leverage) ratio | 10.9711% | 2,671 |
| Tier 1 risk-based capital ratio | 16.6733% | 2,198 |
| Total risk-based capital ratio | 17.9246% | 2,132 |
| Memoranda: | ||
| Average total assets | $970,480,750 | 805 |
| Average earning assets | $881,137,000 | 819 |
| Average equity | $109,231,750 | 832 |
| Average total loans | $521,814,500 | 1,033 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2115% | 3,898 |
| Cost of funding earning assets | 0.9093% | 2,095 |
| Net interest margin | 3.3021% | 4,140 |
| Noninterest income to average assets | 1.7595% | 318 |
| Noninterest expense to average assets | 3.6928% | 761 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8878% | 3,329 |
| Return on assets (ROA) | 0.9813% | 3,055 |
| Pretax return on assets | 1.1765% | 2,997 |
| Return on Equity (ROE) | 8.7290% | 2,961 |
| Retained earnings to average equity (ytd only) | -4.1159% | 5,021 |
| Net charge-offs to loans | 0.1634% | 979 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 12.2494% | 2,163 |
| Efficiency ratio | 77.6347% | 1,201 |
| Assets per employee ($millions) | 3.2443% | 4,744 |
| Cash dividends to net income (ytd only)* | 147.1516% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5542% | 1,128 |
| Loan loss allowance to noncurrent loans | 670.7655% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.1907% | 3,821 |
| Noncurrent loans to loans | 0.2317% | 3,714 |
| Net loans and leases to total assets | 52.9028% | 4,295 |
| Net loans and leases to deposits | 61.4048% | 4,357 |
| Net loans and leases to core deposits | 62.9003% | 4,461 |
| Total domestic deposits to total assets | 86.1541% | 1,953 |
| Equity capital to assets | 11.1172% | 2,934 |
| Core capital (leverage) ratio | 10.9399% | 2,654 |
| Tier 1 risk-based capital ratio | 16.7725% | 2,153 |
| Total risk-based capital ratio | 18.0232% | 2,096 |
| Memoranda: | ||
| Average total assets | $969,496,000 | 805 |
| Average earning assets | $879,976,000 | 817 |
| Average equity | $108,992,670 | 824 |
| Average total loans | $515,395,000 | 1,044 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0870% | 4,162 |
| Cost of funding earning assets | 0.9000% | 2,003 |
| Net interest margin | 3.1870% | 4,413 |
| Noninterest income to average assets | 1.6202% | 336 |
| Noninterest expense to average assets | 3.7049% | 750 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6999% | 3,932 |
| Return on assets (ROA) | 0.7354% | 3,874 |
| Pretax return on assets | 0.8461% | 3,925 |
| Return on Equity (ROE) | 6.5043% | 3,842 |
| Retained earnings to average equity (ytd only) | 6.5043% | 2,246 |
| Net charge-offs to loans | 0.3842% | 404 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 3.9652% | 2,360 |
| Efficiency ratio | 82.1445% | 858 |
| Assets per employee ($millions) | 2.9513% | 4,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5878% | 1,087 |
| Loan loss allowance to noncurrent loans | 989.4800% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.1841% | 3,895 |
| Noncurrent loans to loans | 0.1605% | 4,023 |
| Net loans and leases to total assets | 53.0400% | 4,272 |
| Net loans and leases to deposits | 61.5470% | 4,329 |
| Net loans and leases to core deposits | 63.0491% | 4,427 |
| Total domestic deposits to total assets | 86.1781% | 2,195 |
| Equity capital to assets | 11.5730% | 2,328 |
| Core capital (leverage) ratio | 11.5821% | 2,075 |
| Tier 1 risk-based capital ratio | 17.7615% | 1,868 |
| Total risk-based capital ratio | 19.0131% | 1,823 |
| Memoranda: | ||
| Average total assets | $961,112,000 | 813 |
| Average earning assets | $871,540,500 | 829 |
| Average equity | $108,666,500 | 822 |
| Average total loans | $508,093,500 | 1,058 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2115% | 3,406 |
| Cost of funding earning assets | 0.8115% | 1,469 |
| Net interest margin | 3.4000% | 4,001 |
| Noninterest income to average assets | 2.0236% | 266 |
| Noninterest expense to average assets | 4.0294% | 512 |
| Loan and lease loss provision to assets | -0.1080% | 5,279 |
| Net operating income to assets | 1.0048% | 2,987 |
| Return on assets (ROA) | 1.0042% | 2,978 |
| Pretax return on assets | 1.1711% | 3,008 |
| Return on Equity (ROE) | 8.6935% | 3,147 |
| Retained earnings to average equity (ytd only) | 3.0842% | 3,855 |
| Net charge-offs to loans | -0.1480% | 5,222 |
| Credit loss provision to net charge-offs | 138.6963% | 1,944 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1922% | 1,109 |
| Assets per employee ($millions) | 3.2094% | 4,824 |
| Cash dividends to net income (ytd only)* | 64.5231% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7311% | 785 |
| Loan loss allowance to noncurrent loans | 555.4132% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.2582% | 3,553 |
| Noncurrent loans to loans | 0.3117% | 3,435 |
| Net loans and leases to total assets | 50.9475% | 4,458 |
| Net loans and leases to deposits | 58.1997% | 4,566 |
| Net loans and leases to core deposits | 59.4503% | 4,650 |
| Total domestic deposits to total assets | 87.5391% | 1,516 |
| Equity capital to assets | 11.0423% | 2,645 |
| Core capital (leverage) ratio | 11.5973% | 2,026 |
| Tier 1 risk-based capital ratio | 17.6551% | 1,860 |
| Total risk-based capital ratio | 18.9107% | 1,809 |
| Memoranda: | ||
| Average total assets | $925,982,600 | 826 |
| Average earning assets | $835,996,000 | 841 |
| Average equity | $106,965,000 | 798 |
| Average total loans | $487,284,400 | 1,073 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2710% | 3,073 |
| Cost of funding earning assets | 0.7986% | 1,346 |
| Net interest margin | 3.4723% | 3,796 |
| Noninterest income to average assets | 2.1550% | 247 |
| Noninterest expense to average assets | 4.0907% | 464 |
| Loan and lease loss provision to assets | -0.1456% | 5,378 |
| Net operating income to assets | 1.1232% | 2,559 |
| Return on assets (ROA) | 1.1275% | 2,551 |
| Pretax return on assets | 1.3504% | 2,425 |
| Return on Equity (ROE) | 9.6486% | 2,778 |
| Retained earnings to average equity (ytd only) | 9.6486% | 1,011 |
| Net charge-offs to loans | -0.1645% | 5,267 |
| Credit loss provision to net charge-offs | 167.5042% | 1,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1281% | 1,334 |
| Assets per employee ($millions) | 2.9518% | 5,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7449% | 804 |
| Loan loss allowance to noncurrent loans | 869.4812% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.1835% | 4,021 |
| Noncurrent loans to loans | 0.2007% | 3,994 |
| Net loans and leases to total assets | 53.9904% | 4,360 |
| Net loans and leases to deposits | 62.5899% | 4,421 |
| Net loans and leases to core deposits | 63.4239% | 4,555 |
| Total domestic deposits to total assets | 86.2605% | 2,075 |
| Equity capital to assets | 12.2752% | 1,721 |
| Core capital (leverage) ratio | 12.2676% | 1,640 |
| Tier 1 risk-based capital ratio | 18.7002% | 1,612 |
| Total risk-based capital ratio | 19.9565% | 1,576 |
| Memoranda: | ||
| Average total assets | $915,973,750 | 831 |
| Average earning assets | $827,053,000 | 849 |
| Average equity | $107,038,500 | 795 |
| Average total loans | $483,897,500 | 1,080 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1209% | 3,377 |
| Cost of funding earning assets | 0.8200% | 1,044 |
| Net interest margin | 3.3009% | 4,246 |
| Noninterest income to average assets | 2.2025% | 246 |
| Noninterest expense to average assets | 4.0725% | 487 |
| Loan and lease loss provision to assets | -0.1082% | 5,429 |
| Net operating income to assets | 1.0261% | 2,911 |
| Return on assets (ROA) | 1.0381% | 2,862 |
| Pretax return on assets | 1.2390% | 2,775 |
| Return on Equity (ROE) | 9.0303% | 3,003 |
| Retained earnings to average equity (ytd only) | 9.0303% | 1,210 |
| Net charge-offs to loans | 0.0382% | 2,086 |
| Credit loss provision to net charge-offs | -543.4783% | 4,381 |
| Earnings coverage of net charge-offs (x) | 56.0761% | 1,041 |
| Efficiency ratio | 76.6693% | 1,354 |
| Assets per employee ($millions) | 2.9559% | 5,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7148% | 883 |
| Loan loss allowance to noncurrent loans | 784.3045% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.1892% | 4,035 |
| Noncurrent loans to loans | 0.2186% | 3,938 |
| Net loans and leases to total assets | 52.7077% | 4,430 |
| Net loans and leases to deposits | 60.5015% | 4,504 |
| Net loans and leases to core deposits | 61.4889% | 4,630 |
| Total domestic deposits to total assets | 87.1181% | 1,792 |
| Equity capital to assets | 11.8474% | 1,959 |
| Core capital (leverage) ratio | 10.8906% | 2,623 |
| Tier 1 risk-based capital ratio | 18.4906% | 1,674 |
| Total risk-based capital ratio | 19.7470% | 1,638 |
| Memoranda: | ||
| Average total assets | $924,151,670 | 823 |
| Average earning assets | $836,136,670 | 844 |
| Average equity | $106,242,670 | 802 |
| Average total loans | $481,917,000 | 1,088 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0613% | 3,366 |
| Cost of funding earning assets | 0.8176% | 886 |
| Net interest margin | 3.2437% | 4,330 |
| Noninterest income to average assets | 2.4412% | 206 |
| Noninterest expense to average assets | 4.1935% | 414 |
| Loan and lease loss provision to assets | -0.2145% | 5,557 |
| Net operating income to assets | 1.1612% | 2,171 |
| Return on assets (ROA) | 1.1612% | 2,183 |
| Pretax return on assets | 1.4014% | 1,992 |
| Return on Equity (ROE) | 10.2530% | 2,299 |
| Retained earnings to average equity (ytd only) | 10.2530% | 1,083 |
| Net charge-offs to loans | 0.0075% | 2,473 |
| Credit loss provision to net charge-offs | -5,555.5556% | 4,462 |
| Earnings coverage of net charge-offs (x) | 307.4444% | 223 |
| Efficiency ratio | 76.2019% | 1,564 |
| Assets per employee ($millions) | 3.0454% | 5,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7605% | 847 |
| Loan loss allowance to noncurrent loans | 297.4974% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.4100% | 3,190 |
| Noncurrent loans to loans | 0.5918% | 2,763 |
| Net loans and leases to total assets | 50.5389% | 4,520 |
| Net loans and leases to deposits | 58.0099% | 4,580 |
| Net loans and leases to core deposits | 58.8842% | 4,706 |
| Total domestic deposits to total assets | 87.1212% | 2,075 |
| Equity capital to assets | 11.3317% | 2,273 |
| Core capital (leverage) ratio | 10.0890% | 3,436 |
| Tier 1 risk-based capital ratio | 18.3265% | 1,737 |
| Total risk-based capital ratio | 19.5841% | 1,703 |
| Memoranda: | ||
| Average total assets | $932,489,500 | 818 |
| Average earning assets | $844,960,000 | 841 |
| Average equity | $105,608,000 | 805 |
| Average total loans | $479,548,000 | 1,099 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8962% | 3,737 |
| Cost of funding earning assets | 0.5899% | 1,673 |
| Net interest margin | 3.3063% | 4,142 |
| Noninterest income to average assets | 2.4124% | 229 |
| Noninterest expense to average assets | 4.1586% | 441 |
| Loan and lease loss provision to assets | 0.0270% | 3,751 |
| Net operating income to assets | 1.0012% | 2,239 |
| Return on assets (ROA) | 1.0359% | 2,134 |
| Pretax return on assets | 1.2563% | 2,524 |
| Return on Equity (ROE) | 9.0971% | 2,270 |
| Retained earnings to average equity (ytd only) | 2.4693% | 3,855 |
| Net charge-offs to loans | 0.0331% | 3,130 |
| Credit loss provision to net charge-offs | 162.3377% | 1,651 |
| Earnings coverage of net charge-offs (x) | 74.7468% | 806 |
| Efficiency ratio | 75.0339% | 1,760 |
| Assets per employee ($millions) | 3.0099% | 5,194 |
| Cash dividends to net income (ytd only)* | 72.8560% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8631% | 689 |
| Loan loss allowance to noncurrent loans | 398.2620% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.3705% | 3,386 |
| Noncurrent loans to loans | 0.4678% | 3,103 |
| Net loans and leases to total assets | 50.4509% | 4,623 |
| Net loans and leases to deposits | 57.5991% | 4,712 |
| Net loans and leases to core deposits | 58.3083% | 4,836 |
| Total domestic deposits to total assets | 87.5897% | 1,710 |
| Equity capital to assets | 11.3191% | 2,349 |
| Core capital (leverage) ratio | 10.1572% | 3,236 |
| Tier 1 risk-based capital ratio | 18.3671% | 1,688 |
| Total risk-based capital ratio | 19.6241% | 1,641 |
| Memoranda: | ||
| Average total assets | $927,541,200 | 801 |
| Average earning assets | $838,044,000 | 818 |
| Average equity | $105,616,600 | 776 |
| Average total loans | $465,760,000 | 1,093 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8752% | 3,752 |
| Cost of funding earning assets | 0.5622% | 1,792 |
| Net interest margin | 3.3130% | 4,125 |
| Noninterest income to average assets | 2.2587% | 257 |
| Noninterest expense to average assets | 4.0669% | 481 |
| Loan and lease loss provision to assets | 0.0360% | 3,394 |
| Net operating income to assets | 0.8838% | 3,112 |
| Return on assets (ROA) | 0.9438% | 2,873 |
| Pretax return on assets | 1.2277% | 2,794 |
| Return on Equity (ROE) | 8.2763% | 2,985 |
| Retained earnings to average equity (ytd only) | 4.4891% | 3,228 |
| Net charge-offs to loans | -0.2492% | 5,580 |
| Credit loss provision to net charge-offs | -28.9352% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2981% | 1,693 |
| Assets per employee ($millions) | 2.8587% | 5,352 |
| Cash dividends to net income (ytd only)* | 45.7596% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0593% | 509 |
| Loan loss allowance to noncurrent loans | 250.0377% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.5652% | 2,834 |
| Noncurrent loans to loans | 0.8236% | 2,309 |
| Net loans and leases to total assets | 53.7673% | 4,432 |
| Net loans and leases to deposits | 62.7108% | 4,458 |
| Net loans and leases to core deposits | 63.7381% | 4,616 |
| Total domestic deposits to total assets | 85.7384% | 2,412 |
| Equity capital to assets | 12.2713% | 1,793 |
| Core capital (leverage) ratio | 10.5346% | 2,951 |
| Tier 1 risk-based capital ratio | 18.5077% | 1,725 |
| Total risk-based capital ratio | 19.7663% | 1,678 |
| Memoranda: | ||
| Average total assets | $926,156,250 | 809 |
| Average earning assets | $836,960,250 | 828 |
| Average equity | $105,616,750 | 776 |
| Average total loans | $462,278,750 | 1,107 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7101% | 4,195 |
| Cost of funding earning assets | 0.5354% | 1,876 |
| Net interest margin | 3.1746% | 4,485 |
| Noninterest income to average assets | 2.3259% | 254 |
| Noninterest expense to average assets | 3.9657% | 550 |
| Loan and lease loss provision to assets | 0.0531% | 2,917 |
| Net operating income to assets | 0.8769% | 3,031 |
| Return on assets (ROA) | 0.8826% | 3,067 |
| Pretax return on assets | 1.1835% | 2,834 |
| Return on Equity (ROE) | 7.8755% | 3,108 |
| Retained earnings to average equity (ytd only) | 5.9819% | 2,130 |
| Net charge-offs to loans | 0.2899% | 701 |
| Credit loss provision to net charge-offs | 37.8788% | 2,661 |
| Earnings coverage of net charge-offs (x) | 8.7742% | 2,486 |
| Efficiency ratio | 74.0624% | 2,007 |
| Assets per employee ($millions) | 2.8285% | 5,402 |
| Cash dividends to net income (ytd only)* | 24.0442% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7935% | 900 |
| Loan loss allowance to noncurrent loans | 224.0977% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.5312% | 2,997 |
| Noncurrent loans to loans | 0.8003% | 2,404 |
| Net loans and leases to total assets | 51.5679% | 4,605 |
| Net loans and leases to deposits | 59.8202% | 4,646 |
| Net loans and leases to core deposits | 60.9806% | 4,769 |
| Total domestic deposits to total assets | 86.2049% | 2,291 |
| Equity capital to assets | 12.1693% | 1,817 |
| Core capital (leverage) ratio | 10.0190% | 3,516 |
| Tier 1 risk-based capital ratio | 18.6703% | 1,676 |
| Total risk-based capital ratio | 19.9260% | 1,639 |
| Memoranda: | ||
| Average total assets | $942,442,000 | 798 |
| Average earning assets | $851,630,330 | 814 |
| Average equity | $105,619,330 | 778 |
| Average total loans | $455,251,670 | 1,119 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5517% | 4,547 |
| Cost of funding earning assets | 0.4980% | 2,102 |
| Net interest margin | 3.0537% | 4,779 |
| Noninterest income to average assets | 2.2632% | 265 |
| Noninterest expense to average assets | 3.8962% | 605 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9091% | 2,718 |
| Return on assets (ROA) | 0.9091% | 2,770 |
| Pretax return on assets | 1.1312% | 2,856 |
| Return on Equity (ROE) | 8.4488% | 2,699 |
| Retained earnings to average equity (ytd only) | 8.4488% | 1,294 |
| Net charge-offs to loans | 0.0858% | 1,492 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 28.4375% | 1,251 |
| Efficiency ratio | 76.5186% | 1,828 |
| Assets per employee ($millions) | 3.1211% | 5,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9550% | 728 |
| Loan loss allowance to noncurrent loans | 212.2879% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.5327% | 3,102 |
| Noncurrent loans to loans | 0.9209% | 2,198 |
| Net loans and leases to total assets | 45.6954% | 4,958 |
| Net loans and leases to deposits | 52.0670% | 5,030 |
| Net loans and leases to core deposits | 53.4336% | 5,088 |
| Total domestic deposits to total assets | 87.7628% | 1,853 |
| Equity capital to assets | 10.9685% | 2,661 |
| Core capital (leverage) ratio | 9.2765% | 4,372 |
| Tier 1 risk-based capital ratio | 19.0910% | 1,594 |
| Total risk-based capital ratio | 20.3494% | 1,552 |
| Memoranda: | ||
| Average total assets | $965,350,500 | 782 |
| Average earning assets | $873,825,000 | 789 |
| Average equity | $103,872,500 | 790 |
| Average total loans | $447,470,000 | 1,138 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6219% | 4,460 |
| Cost of funding earning assets | 0.4019% | 2,981 |
| Net interest margin | 3.2199% | 4,378 |
| Noninterest income to average assets | 2.0420% | 337 |
| Noninterest expense to average assets | 3.9256% | 665 |
| Loan and lease loss provision to assets | -0.0960% | 5,684 |
| Net operating income to assets | 0.8982% | 2,832 |
| Return on assets (ROA) | 0.9021% | 2,928 |
| Pretax return on assets | 1.1268% | 2,986 |
| Return on Equity (ROE) | 7.8852% | 3,009 |
| Retained earnings to average equity (ytd only) | 1.3569% | 4,732 |
| Net charge-offs to loans | 0.0343% | 3,344 |
| Credit loss provision to net charge-offs | -584.4156% | 5,198 |
| Earnings coverage of net charge-offs (x) | 62.4351% | 862 |
| Efficiency ratio | 78.2554% | 1,660 |
| Assets per employee ($millions) | 3.1474% | 5,222 |
| Cash dividends to net income (ytd only)* | 82.7912% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9803% | 681 |
| Loan loss allowance to noncurrent loans | 290.9270% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.4193% | 3,594 |
| Noncurrent loans to loans | 0.6807% | 2,830 |
| Net loans and leases to total assets | 45.1888% | 5,060 |
| Net loans and leases to deposits | 51.2215% | 5,160 |
| Net loans and leases to core deposits | 52.0334% | 5,226 |
| Total domestic deposits to total assets | 88.2224% | 1,522 |
| Equity capital to assets | 10.5534% | 3,096 |
| Core capital (leverage) ratio | 9.1644% | 4,533 |
| Tier 1 risk-based capital ratio | 18.9612% | 1,609 |
| Total risk-based capital ratio | 20.2188% | 1,572 |
| Memoranda: | ||
| Average total assets | $937,228,600 | 767 |
| Average earning assets | $846,886,600 | 776 |
| Average equity | $107,226,600 | 746 |
| Average total loans | $449,379,800 | 1,092 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6501% | 4,406 |
| Cost of funding earning assets | 0.3903% | 3,124 |
| Net interest margin | 3.2598% | 4,313 |
| Noninterest income to average assets | 2.0468% | 340 |
| Noninterest expense to average assets | 3.9912% | 596 |
| Loan and lease loss provision to assets | -0.1291% | 5,819 |
| Net operating income to assets | 0.9008% | 2,902 |
| Return on assets (ROA) | 0.9059% | 3,008 |
| Pretax return on assets | 1.1366% | 3,091 |
| Return on Equity (ROE) | 7.7608% | 3,140 |
| Retained earnings to average equity (ytd only) | 4.0728% | 3,405 |
| Net charge-offs to loans | 0.0921% | 2,031 |
| Credit loss provision to net charge-offs | -289.3891% | 4,947 |
| Earnings coverage of net charge-offs (x) | 22.4339% | 1,758 |
| Efficiency ratio | 78.9204% | 1,567 |
| Assets per employee ($millions) | 2.9647% | 5,415 |
| Cash dividends to net income (ytd only)* | 47.5210% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8996% | 852 |
| Loan loss allowance to noncurrent loans | 235.3388% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.4088% | 3,794 |
| Noncurrent loans to loans | 0.8072% | 2,649 |
| Net loans and leases to total assets | 49.2743% | 4,872 |
| Net loans and leases to deposits | 57.2015% | 4,920 |
| Net loans and leases to core deposits | 58.2869% | 5,034 |
| Total domestic deposits to total assets | 86.1416% | 2,285 |
| Equity capital to assets | 12.1367% | 2,014 |
| Core capital (leverage) ratio | 9.4357% | 4,279 |
| Tier 1 risk-based capital ratio | 19.2412% | 1,615 |
| Total risk-based capital ratio | 20.4957% | 1,570 |
| Memoranda: | ||
| Average total assets | $929,186,500 | 771 |
| Average earning assets | $839,625,750 | 784 |
| Average equity | $108,457,250 | 740 |
| Average total loans | $449,997,500 | 1,082 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6280% | 4,514 |
| Cost of funding earning assets | 0.3778% | 3,271 |
| Net interest margin | 3.2502% | 4,381 |
| Noninterest income to average assets | 1.9272% | 354 |
| Noninterest expense to average assets | 3.9173% | 664 |
| Loan and lease loss provision to assets | -0.1924% | 5,933 |
| Net operating income to assets | 0.9037% | 2,843 |
| Return on assets (ROA) | 0.9109% | 2,942 |
| Pretax return on assets | 1.1465% | 2,995 |
| Return on Equity (ROE) | 7.9062% | 3,027 |
| Retained earnings to average equity (ytd only) | 6.0507% | 2,092 |
| Net charge-offs to loans | 0.0849% | 1,996 |
| Credit loss provision to net charge-offs | -473.6842% | 4,917 |
| Earnings coverage of net charge-offs (x) | 23.2632% | 1,596 |
| Efficiency ratio | 79.5199% | 1,554 |
| Assets per employee ($millions) | 3.0226% | 5,399 |
| Cash dividends to net income (ytd only)* | 23.4687% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9336% | 847 |
| Loan loss allowance to noncurrent loans | 250.2697% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.3776% | 3,976 |
| Noncurrent loans to loans | 0.7726% | 2,815 |
| Net loans and leases to total assets | 47.7229% | 5,012 |
| Net loans and leases to deposits | 55.1341% | 5,074 |
| Net loans and leases to core deposits | 56.1644% | 5,157 |
| Total domestic deposits to total assets | 86.5579% | 2,132 |
| Equity capital to assets | 11.8482% | 2,233 |
| Core capital (leverage) ratio | 9.3749% | 4,364 |
| Tier 1 risk-based capital ratio | 19.1691% | 1,656 |
| Total risk-based capital ratio | 20.4239% | 1,620 |
| Memoranda: | ||
| Average total assets | $935,532,000 | 770 |
| Average earning assets | $844,816,000 | 778 |
| Average equity | $107,789,000 | 745 |
| Average total loans | $447,612,000 | 1,089 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5569% | 4,747 |
| Cost of funding earning assets | 0.3707% | 3,391 |
| Net interest margin | 3.1862% | 4,624 |
| Noninterest income to average assets | 1.8738% | 374 |
| Noninterest expense to average assets | 3.6701% | 935 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8246% | 3,127 |
| Return on assets (ROA) | 0.8246% | 3,251 |
| Pretax return on assets | 1.0723% | 3,198 |
| Return on Equity (ROE) | 7.2598% | 3,312 |
| Retained earnings to average equity (ytd only) | 7.2598% | 1,768 |
| Net charge-offs to loans | -0.0550% | 5,375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3151% | 2,134 |
| Assets per employee ($millions) | 3.0540% | 5,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2469% | 553 |
| Loan loss allowance to noncurrent loans | 1,917.5000% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 5,388 |
| Noncurrent loans to loans | 0.1172% | 5,008 |
| Net loans and leases to total assets | 46.5698% | 5,079 |
| Net loans and leases to deposits | 53.5202% | 5,130 |
| Net loans and leases to core deposits | 54.4740% | 5,218 |
| Total domestic deposits to total assets | 87.0135% | 2,206 |
| Equity capital to assets | 11.5759% | 2,373 |
| Core capital (leverage) ratio | 9.4535% | 4,268 |
| Tier 1 risk-based capital ratio | 19.3084% | 1,656 |
| Total risk-based capital ratio | 20.5670% | 1,618 |
| Memoranda: | ||
| Average total assets | $934,794,000 | 777 |
| Average earning assets | $841,631,500 | 784 |
| Average equity | $106,174,000 | 756 |
| Average total loans | $443,426,000 | 1,097 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5600% | 4,778 |
| Cost of funding earning assets | 0.2783% | 4,500 |
| Net interest margin | 3.2817% | 4,366 |
| Noninterest income to average assets | 2.1179% | 326 |
| Noninterest expense to average assets | 3.9326% | 732 |
| Loan and lease loss provision to assets | -0.1611% | 5,934 |
| Net operating income to assets | 1.0189% | 2,266 |
| Return on assets (ROA) | 1.0196% | 2,335 |
| Pretax return on assets | 1.3038% | 2,274 |
| Return on Equity (ROE) | 8.7953% | 2,565 |
| Retained earnings to average equity (ytd only) | 2.0843% | 4,537 |
| Net charge-offs to loans | -0.3927% | 6,054 |
| Credit loss provision to net charge-offs | 85.2941% | 2,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4564% | 2,200 |
| Assets per employee ($millions) | 3.1800% | 5,311 |
| Cash dividends to net income (ytd only)* | 76.3026% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2361% | 561 |
| Loan loss allowance to noncurrent loans | 1,215.7055% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.0885% | 5,269 |
| Noncurrent loans to loans | 0.1839% | 4,753 |
| Net loans and leases to total assets | 46.1764% | 5,144 |
| Net loans and leases to deposits | 52.7804% | 5,236 |
| Net loans and leases to core deposits | 53.5545% | 5,344 |
| Total domestic deposits to total assets | 87.4878% | 1,888 |
| Equity capital to assets | 11.1416% | 2,685 |
| Core capital (leverage) ratio | 9.4399% | 4,265 |
| Tier 1 risk-based capital ratio | 19.4261% | 1,603 |
| Total risk-based capital ratio | 20.6864% | 1,565 |
| Memoranda: | ||
| Average total assets | $899,805,200 | 762 |
| Average earning assets | $810,649,000 | 772 |
| Average equity | $104,305,800 | 741 |
| Average total loans | $432,904,400 | 1,062 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5653% | 4,832 |
| Cost of funding earning assets | 0.2696% | 4,671 |
| Net interest margin | 3.2957% | 4,367 |
| Noninterest income to average assets | 2.1774% | 318 |
| Noninterest expense to average assets | 3.9390% | 709 |
| Loan and lease loss provision to assets | -0.2172% | 6,109 |
| Net operating income to assets | 1.0930% | 2,038 |
| Return on assets (ROA) | 1.0945% | 2,116 |
| Pretax return on assets | 1.4269% | 1,910 |
| Return on Equity (ROE) | 9.3463% | 2,389 |
| Retained earnings to average equity (ytd only) | 5.5096% | 2,572 |
| Net charge-offs to loans | -0.5360% | 6,164 |
| Credit loss provision to net charge-offs | 83.8150% | 2,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4947% | 2,321 |
| Assets per employee ($millions) | 3.0348% | 5,507 |
| Cash dividends to net income (ytd only)* | 41.0509% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3006% | 574 |
| Loan loss allowance to noncurrent loans | 2,651.4667% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0621% | 5,523 |
| Noncurrent loans to loans | 0.0868% | 5,285 |
| Net loans and leases to total assets | 48.3102% | 5,059 |
| Net loans and leases to deposits | 55.9537% | 5,127 |
| Net loans and leases to core deposits | 56.5409% | 5,279 |
| Total domestic deposits to total assets | 86.3396% | 2,365 |
| Equity capital to assets | 12.1712% | 1,984 |
| Core capital (leverage) ratio | 9.8340% | 3,853 |
| Tier 1 risk-based capital ratio | 19.8762% | 1,583 |
| Total risk-based capital ratio | 21.1361% | 1,538 |
| Memoranda: | ||
| Average total assets | $890,230,250 | 783 |
| Average earning assets | $802,081,250 | 786 |
| Average equity | $104,252,250 | 746 |
| Average total loans | $430,357,750 | 1,069 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4902% | 5,013 |
| Cost of funding earning assets | 0.2651% | 4,771 |
| Net interest margin | 3.2251% | 4,580 |
| Noninterest income to average assets | 2.1828% | 324 |
| Noninterest expense to average assets | 3.8107% | 858 |
| Loan and lease loss provision to assets | -0.3015% | 6,225 |
| Net operating income to assets | 1.1878% | 1,641 |
| Return on assets (ROA) | 1.1844% | 1,719 |
| Pretax return on assets | 1.5756% | 1,404 |
| Return on Equity (ROE) | 10.2450% | 1,963 |
| Retained earnings to average equity (ytd only) | 6.3819% | 2,015 |
| Net charge-offs to loans | -0.7758% | 6,249 |
| Credit loss provision to net charge-offs | 80.9838% | 2,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8318% | 2,698 |
| Assets per employee ($millions) | 3.0990% | 5,470 |
| Cash dividends to net income (ytd only)* | 37.7074% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2751% | 656 |
| Loan loss allowance to noncurrent loans | 1,900.1905% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 5,521 |
| Noncurrent loans to loans | 0.1197% | 5,283 |
| Net loans and leases to total assets | 48.3474% | 5,070 |
| Net loans and leases to deposits | 55.6589% | 5,141 |
| Net loans and leases to core deposits | 56.2265% | 5,297 |
| Total domestic deposits to total assets | 86.8639% | 2,238 |
| Equity capital to assets | 11.7731% | 2,181 |
| Core capital (leverage) ratio | 10.3770% | 3,108 |
| Tier 1 risk-based capital ratio | 19.3146% | 1,718 |
| Total risk-based capital ratio | 20.5746% | 1,683 |
| Memoranda: | ||
| Average total assets | $895,632,330 | 783 |
| Average earning assets | $807,166,000 | 783 |
| Average equity | $103,543,330 | 753 |
| Average total loans | $429,748,330 | 1,068 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3692% | 5,285 |
| Cost of funding earning assets | 0.2747% | 4,730 |
| Net interest margin | 3.0945% | 4,974 |
| Noninterest income to average assets | 2.1340% | 335 |
| Noninterest expense to average assets | 3.8023% | 876 |
| Loan and lease loss provision to assets | -0.2666% | 6,295 |
| Net operating income to assets | 1.0589% | 2,001 |
| Return on assets (ROA) | 1.0521% | 2,166 |
| Pretax return on assets | 1.3773% | 1,968 |
| Return on Equity (ROE) | 9.1835% | 2,364 |
| Retained earnings to average equity (ytd only) | 9.1835% | 1,134 |
| Net charge-offs to loans | -0.5736% | 6,260 |
| Credit loss provision to net charge-offs | 98.3607% | 1,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1780% | 2,492 |
| Assets per employee ($millions) | 3.1386% | 5,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2625% | 737 |
| Loan loss allowance to noncurrent loans | 1,684.6690% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 5,528 |
| Noncurrent loans to loans | 0.1343% | 5,299 |
| Net loans and leases to total assets | 45.8960% | 5,211 |
| Net loans and leases to deposits | 52.7152% | 5,287 |
| Net loans and leases to core deposits | 53.2033% | 5,411 |
| Total domestic deposits to total assets | 87.0641% | 2,340 |
| Equity capital to assets | 11.5147% | 2,449 |
| Core capital (leverage) ratio | 11.1031% | 2,313 |
| Tier 1 risk-based capital ratio | 19.8145% | 1,668 |
| Total risk-based capital ratio | 21.0503% | 1,630 |
| Memoranda: | ||
| Average total assets | $900,285,500 | 784 |
| Average earning assets | $811,118,500 | 784 |
| Average equity | $103,141,000 | 753 |
| Average total loans | $425,376,500 | 1,077 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5409% | 5,223 |
| Cost of funding earning assets | 0.2863% | 4,936 |
| Net interest margin | 3.2545% | 4,734 |
| Noninterest income to average assets | 2.2446% | 284 |
| Noninterest expense to average assets | 4.0133% | 745 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9090% | 2,829 |
| Return on assets (ROA) | 0.9583% | 2,668 |
| Pretax return on assets | 1.1876% | 2,705 |
| Return on Equity (ROE) | 8.1928% | 3,027 |
| Retained earnings to average equity (ytd only) | 3.1886% | 3,967 |
| Net charge-offs to loans | -0.0130% | 5,615 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0799% | 2,199 |
| Assets per employee ($millions) | 3.0493% | 5,634 |
| Cash dividends to net income (ytd only)* | 61.0799% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2813% | 737 |
| Loan loss allowance to noncurrent loans | 1,264.1361% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.1658% | 5,362 |
| Noncurrent loans to loans | 0.1805% | 5,183 |
| Net loans and leases to total assets | 46.4615% | 5,289 |
| Net loans and leases to deposits | 53.2086% | 5,392 |
| Net loans and leases to core deposits | 53.6824% | 5,518 |
| Total domestic deposits to total assets | 87.3195% | 2,117 |
| Equity capital to assets | 11.3969% | 2,518 |
| Core capital (leverage) ratio | 11.2786% | 2,158 |
| Tier 1 risk-based capital ratio | 19.3347% | 1,765 |
| Total risk-based capital ratio | 20.5931% | 1,726 |
| Memoranda: | ||
| Average total assets | $854,181,400 | 787 |
| Average earning assets | $759,926,000 | 806 |
| Average equity | $99,917,600 | 737 |
| Average total loans | $401,308,000 | 1,097 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5810% | 5,192 |
| Cost of funding earning assets | 0.2875% | 5,017 |
| Net interest margin | 3.2935% | 4,631 |
| Noninterest income to average assets | 2.2764% | 282 |
| Noninterest expense to average assets | 4.0070% | 747 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9520% | 2,674 |
| Return on assets (ROA) | 0.9964% | 2,532 |
| Pretax return on assets | 1.2476% | 2,583 |
| Return on Equity (ROE) | 8.4611% | 2,961 |
| Retained earnings to average equity (ytd only) | 4.4422% | 3,490 |
| Net charge-offs to loans | -0.2961% | 6,386 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0718% | 2,343 |
| Assets per employee ($millions) | 2.8460% | 5,916 |
| Cash dividends to net income (ytd only)* | 47.4984% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6277% | 546 |
| Loan loss allowance to noncurrent loans | 20,962.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.1979% | 5,426 |
| Noncurrent loans to loans | 0.0125% | 5,983 |
| Net loans and leases to total assets | 46.7352% | 5,314 |
| Net loans and leases to deposits | 54.4820% | 5,342 |
| Net loans and leases to core deposits | 54.9609% | 5,507 |
| Total domestic deposits to total assets | 85.7808% | 2,968 |
| Equity capital to assets | 12.1478% | 1,948 |
| Core capital (leverage) ratio | 11.3944% | 2,139 |
| Tier 1 risk-based capital ratio | 20.3282% | 1,591 |
| Total risk-based capital ratio | 21.5902% | 1,556 |
| Memoranda: | ||
| Average total assets | $845,129,500 | 801 |
| Average earning assets | $749,986,750 | 820 |
| Average equity | $99,527,750 | 736 |
| Average total loans | $395,798,500 | 1,109 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4862% | 5,438 |
| Cost of funding earning assets | 0.2886% | 5,089 |
| Net interest margin | 3.1976% | 4,956 |
| Noninterest income to average assets | 2.2854% | 283 |
| Noninterest expense to average assets | 3.8991% | 855 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9707% | 2,451 |
| Return on assets (ROA) | 0.9837% | 2,471 |
| Pretax return on assets | 1.2370% | 2,514 |
| Return on Equity (ROE) | 8.4399% | 2,872 |
| Retained earnings to average equity (ytd only) | 8.4399% | 1,159 |
| Net charge-offs to loans | 0.0015% | 4,347 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1,729.0000% | 24 |
| Efficiency ratio | 76.1572% | 2,604 |
| Assets per employee ($millions) | 2.9352% | 5,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3932% | 819 |
| Loan loss allowance to noncurrent loans | 901.8797% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.3090% | 5,132 |
| Noncurrent loans to loans | 0.2654% | 5,226 |
| Net loans and leases to total assets | 46.4595% | 5,319 |
| Net loans and leases to deposits | 53.5130% | 5,391 |
| Net loans and leases to core deposits | 53.8780% | 5,560 |
| Total domestic deposits to total assets | 86.8191% | 2,568 |
| Equity capital to assets | 12.1063% | 1,911 |
| Core capital (leverage) ratio | 11.3410% | 2,127 |
| Tier 1 risk-based capital ratio | 20.4050% | 1,589 |
| Total risk-based capital ratio | 21.6645% | 1,556 |
| Memoranda: | ||
| Average total assets | $849,828,000 | 793 |
| Average earning assets | $753,320,670 | 817 |
| Average equity | $99,053,000 | 739 |
| Average total loans | $394,776,000 | 1,107 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4128% | 5,620 |
| Cost of funding earning assets | 0.2926% | 5,150 |
| Net interest margin | 3.1202% | 5,176 |
| Noninterest income to average assets | 2.3305% | 263 |
| Noninterest expense to average assets | 3.7767% | 1,023 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0335% | 2,069 |
| Return on assets (ROA) | 1.0343% | 2,141 |
| Pretax return on assets | 1.3178% | 2,035 |
| Return on Equity (ROE) | 9.0461% | 2,438 |
| Retained earnings to average equity (ytd only) | 9.0461% | 1,234 |
| Net charge-offs to loans | 0.2441% | 1,345 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 11.7573% | 1,760 |
| Efficiency ratio | 74.1467% | 3,113 |
| Assets per employee ($millions) | 2.9418% | 5,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4345% | 872 |
| Loan loss allowance to noncurrent loans | 686.5201% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.4329% | 4,841 |
| Noncurrent loans to loans | 0.3546% | 5,056 |
| Net loans and leases to total assets | 43.5711% | 5,550 |
| Net loans and leases to deposits | 49.8553% | 5,608 |
| Net loans and leases to core deposits | 50.2093% | 5,746 |
| Total domestic deposits to total assets | 87.3951% | 2,572 |
| Equity capital to assets | 11.5019% | 2,244 |
| Core capital (leverage) ratio | 11.2329% | 2,191 |
| Tier 1 risk-based capital ratio | 20.2722% | 1,653 |
| Total risk-based capital ratio | 21.5313% | 1,616 |
| Memoranda: | ||
| Average total assets | $853,547,000 | 795 |
| Average earning assets | $755,860,500 | 822 |
| Average equity | $97,588,500 | 748 |
| Average total loans | $391,681,000 | 1,128 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4137% | 5,815 |
| Cost of funding earning assets | 0.3559% | 5,085 |
| Net interest margin | 3.0577% | 5,435 |
| Noninterest income to average assets | 2.5312% | 277 |
| Noninterest expense to average assets | 4.0833% | 794 |
| Loan and lease loss provision to assets | 0.0117% | 4,892 |
| Net operating income to assets | 0.8753% | 2,903 |
| Return on assets (ROA) | 0.8840% | 2,947 |
| Pretax return on assets | 1.1528% | 2,763 |
| Return on Equity (ROE) | 7.5004% | 3,295 |
| Retained earnings to average equity (ytd only) | -2.8989% | 6,258 |
| Net charge-offs to loans | -0.0909% | 6,454 |
| Credit loss provision to net charge-offs | -27.1739% | 5,737 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9769% | 2,470 |
| Assets per employee ($millions) | 2.9448% | 5,913 |
| Cash dividends to net income (ytd only)* | 138.6505% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4129% | 917 |
| Loan loss allowance to noncurrent loans | 584.7932% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.4921% | 4,763 |
| Noncurrent loans to loans | 0.4126% | 4,973 |
| Net loans and leases to total assets | 46.0058% | 5,484 |
| Net loans and leases to deposits | 52.7137% | 5,570 |
| Net loans and leases to core deposits | 53.3561% | 5,713 |
| Total domestic deposits to total assets | 87.2750% | 2,589 |
| Equity capital to assets | 11.3633% | 2,274 |
| Core capital (leverage) ratio | 11.2221% | 2,178 |
| Tier 1 risk-based capital ratio | 19.2582% | 1,845 |
| Total risk-based capital ratio | 20.5172% | 1,808 |
| Memoranda: | ||
| Average total assets | $856,706,800 | 774 |
| Average earning assets | $757,984,800 | 789 |
| Average equity | $100,967,800 | 699 |
| Average total loans | $404,878,800 | 1,053 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4098% | 5,863 |
| Cost of funding earning assets | 0.3650% | 5,143 |
| Net interest margin | 3.0448% | 5,479 |
| Noninterest income to average assets | 2.6029% | 281 |
| Noninterest expense to average assets | 4.0300% | 828 |
| Loan and lease loss provision to assets | 0.0155% | 4,705 |
| Net operating income to assets | 0.9320% | 2,678 |
| Return on assets (ROA) | 0.9432% | 2,732 |
| Pretax return on assets | 1.2660% | 2,460 |
| Return on Equity (ROE) | 7.9332% | 3,155 |
| Retained earnings to average equity (ytd only) | 2.0626% | 5,094 |
| Net charge-offs to loans | -0.0695% | 6,405 |
| Credit loss provision to net charge-offs | -47.1698% | 5,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0864% | 2,718 |
| Assets per employee ($millions) | 2.8498% | 6,078 |
| Cash dividends to net income (ytd only)* | 74.0010% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3928% | 1,055 |
| Loan loss allowance to noncurrent loans | 371.1591% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.6436% | 4,508 |
| Noncurrent loans to loans | 0.6447% | 4,580 |
| Net loans and leases to total assets | 47.1127% | 5,437 |
| Net loans and leases to deposits | 54.5364% | 5,492 |
| Net loans and leases to core deposits | 55.3839% | 5,678 |
| Total domestic deposits to total assets | 86.3876% | 3,035 |
| Equity capital to assets | 12.3665% | 1,660 |
| Core capital (leverage) ratio | 11.7178% | 1,878 |
| Tier 1 risk-based capital ratio | 20.4334% | 1,616 |
| Total risk-based capital ratio | 21.6923% | 1,586 |
| Memoranda: | ||
| Average total assets | $859,593,500 | 772 |
| Average earning assets | $760,498,750 | 793 |
| Average equity | $102,200,250 | 701 |
| Average total loans | $406,489,250 | 1,050 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2965% | 6,093 |
| Cost of funding earning assets | 0.3649% | 5,266 |
| Net interest margin | 2.9316% | 5,722 |
| Noninterest income to average assets | 3.3397% | 218 |
| Noninterest expense to average assets | 4.4701% | 542 |
| Loan and lease loss provision to assets | 0.0229% | 4,452 |
| Net operating income to assets | 1.0234% | 2,223 |
| Return on assets (ROA) | 1.0390% | 2,279 |
| Pretax return on assets | 1.4677% | 1,717 |
| Return on Equity (ROE) | 8.8501% | 2,678 |
| Retained earnings to average equity (ytd only) | 4.9497% | 3,086 |
| Net charge-offs to loans | 0.0156% | 4,525 |
| Credit loss provision to net charge-offs | 312.5000% | 824 |
| Earnings coverage of net charge-offs (x) | 200.4375% | 259 |
| Efficiency ratio | 75.2708% | 2,900 |
| Assets per employee ($millions) | 2.8541% | 6,088 |
| Cash dividends to net income (ytd only)* | 44.0723% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2246% | 1,372 |
| Loan loss allowance to noncurrent loans | 268.6989% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.7753% | 4,285 |
| Noncurrent loans to loans | 0.8279% | 4,261 |
| Net loans and leases to total assets | 47.5988% | 5,361 |
| Net loans and leases to deposits | 54.6959% | 5,459 |
| Net loans and leases to core deposits | 55.4834% | 5,640 |
| Total domestic deposits to total assets | 87.0244% | 2,807 |
| Equity capital to assets | 11.8312% | 2,027 |
| Core capital (leverage) ratio | 11.4200% | 2,006 |
| Tier 1 risk-based capital ratio | 20.2374% | 1,672 |
| Total risk-based capital ratio | 21.4952% | 1,643 |
| Memoranda: | ||
| Average total assets | $873,498,330 | 761 |
| Average earning assets | $774,390,670 | 783 |
| Average equity | $102,552,670 | 701 |
| Average total loans | $410,395,330 | 1,032 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2534% | 6,233 |
| Cost of funding earning assets | 0.3674% | 5,396 |
| Net interest margin | 2.8860% | 5,839 |
| Noninterest income to average assets | 3.0518% | 242 |
| Noninterest expense to average assets | 3.8382% | 1,066 |
| Loan and lease loss provision to assets | 0.0452% | 3,853 |
| Net operating income to assets | 1.1507% | 1,669 |
| Return on assets (ROA) | 1.1507% | 1,774 |
| Pretax return on assets | 1.7320% | 1,001 |
| Return on Equity (ROE) | 9.8381% | 2,122 |
| Retained earnings to average equity (ytd only) | 9.8381% | 1,145 |
| Net charge-offs to loans | -0.0490% | 6,132 |
| Credit loss provision to net charge-offs | -200.0000% | 5,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3516% | 4,245 |
| Assets per employee ($millions) | 3.1346% | 5,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3922% | 1,259 |
| Loan loss allowance to noncurrent loans | 320.1999% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.7754% | 4,435 |
| Noncurrent loans to loans | 0.7471% | 4,633 |
| Net loans and leases to total assets | 43.0308% | 5,757 |
| Net loans and leases to deposits | 49.8136% | 5,799 |
| Net loans and leases to core deposits | 50.5091% | 5,934 |
| Total domestic deposits to total assets | 86.3837% | 3,306 |
| Equity capital to assets | 11.8766% | 2,122 |
| Core capital (leverage) ratio | 11.2318% | 2,072 |
| Tier 1 risk-based capital ratio | 21.4990% | 1,427 |
| Total risk-based capital ratio | 22.7586% | 1,396 |
| Memoranda: | ||
| Average total assets | $884,991,000 | 754 |
| Average earning assets | $786,142,000 | 779 |
| Average equity | $103,516,000 | 705 |
| Average total loans | $408,570,500 | 1,041 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5997% | 6,227 |
| Cost of funding earning assets | 0.4546% | 5,547 |
| Net interest margin | 3.1451% | 5,708 |
| Noninterest income to average assets | 2.5645% | 306 |
| Noninterest expense to average assets | 3.9098% | 1,090 |
| Loan and lease loss provision to assets | 0.1691% | 3,507 |
| Net operating income to assets | 0.9946% | 2,359 |
| Return on assets (ROA) | 1.0533% | 2,304 |
| Pretax return on assets | 1.3418% | 2,243 |
| Return on Equity (ROE) | 9.3155% | 2,477 |
| Retained earnings to average equity (ytd only) | 5.7752% | 2,209 |
| Net charge-offs to loans | 0.4378% | 2,485 |
| Credit loss provision to net charge-offs | 79.7872% | 3,841 |
| Earnings coverage of net charge-offs (x) | 6.7729% | 2,740 |
| Efficiency ratio | 72.0864% | 3,398 |
| Assets per employee ($millions) | 3.1531% | 5,733 |
| Cash dividends to net income (ytd only)* | 38.0045% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1332% | 1,679 |
| Loan loss allowance to noncurrent loans | 249.2643% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.8471% | 4,358 |
| Noncurrent loans to loans | 0.8558% | 4,468 |
| Net loans and leases to total assets | 47.1995% | 5,489 |
| Net loans and leases to deposits | 54.1124% | 5,639 |
| Net loans and leases to core deposits | 54.8882% | 5,803 |
| Total domestic deposits to total assets | 87.2249% | 2,690 |
| Equity capital to assets | 11.5188% | 2,428 |
| Core capital (leverage) ratio | 10.9963% | 2,255 |
| Tier 1 risk-based capital ratio | 19.4402% | 1,831 |
| Total risk-based capital ratio | 20.6975% | 1,796 |
| Memoranda: | ||
| Average total assets | $886,843,800 | 739 |
| Average earning assets | $784,198,600 | 760 |
| Average equity | $100,273,400 | 709 |
| Average total loans | $429,439,800 | 974 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6515% | 6,309 |
| Cost of funding earning assets | 0.4764% | 5,588 |
| Net interest margin | 3.1751% | 5,753 |
| Noninterest income to average assets | 2.5981% | 304 |
| Noninterest expense to average assets | 3.9674% | 979 |
| Loan and lease loss provision to assets | 0.2257% | 2,803 |
| Net operating income to assets | 0.9480% | 2,755 |
| Return on assets (ROA) | 1.0222% | 2,627 |
| Pretax return on assets | 1.3094% | 2,563 |
| Return on Equity (ROE) | 9.0837% | 2,756 |
| Retained earnings to average equity (ytd only) | 7.6801% | 1,768 |
| Net charge-offs to loans | 0.2467% | 3,242 |
| Credit loss provision to net charge-offs | 188.6792% | 1,464 |
| Earnings coverage of net charge-offs (x) | 12.0390% | 2,032 |
| Efficiency ratio | 71.9806% | 3,333 |
| Assets per employee ($millions) | 3.0744% | 5,914 |
| Cash dividends to net income (ytd only)* | 15.4526% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4469% | 1,272 |
| Loan loss allowance to noncurrent loans | 119.7796% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 2.0438% | 2,590 |
| Noncurrent loans to loans | 2.0428% | 2,803 |
| Net loans and leases to total assets | 47.4833% | 5,609 |
| Net loans and leases to deposits | 55.7303% | 5,658 |
| Net loans and leases to core deposits | 56.5176% | 5,850 |
| Total domestic deposits to total assets | 85.2019% | 3,660 |
| Equity capital to assets | 11.9751% | 2,279 |
| Core capital (leverage) ratio | 10.9054% | 2,481 |
| Tier 1 risk-based capital ratio | 19.7686% | 1,816 |
| Total risk-based capital ratio | 21.0292% | 1,787 |
| Memoranda: | ||
| Average total assets | $886,261,500 | 744 |
| Average earning assets | $784,124,250 | 765 |
| Average equity | $99,736,250 | 714 |
| Average total loans | $429,591,500 | 982 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6017% | 6,484 |
| Cost of funding earning assets | 0.4971% | 5,640 |
| Net interest margin | 3.1046% | 5,993 |
| Noninterest income to average assets | 2.4830% | 302 |
| Noninterest expense to average assets | 3.7394% | 1,313 |
| Loan and lease loss provision to assets | 0.2233% | 2,849 |
| Net operating income to assets | 1.0003% | 2,464 |
| Return on assets (ROA) | 1.0003% | 2,684 |
| Pretax return on assets | 1.2702% | 2,649 |
| Return on Equity (ROE) | 9.0741% | 2,786 |
| Retained earnings to average equity (ytd only) | 6.9474% | 2,130 |
| Net charge-offs to loans | 0.4013% | 2,420 |
| Credit loss provision to net charge-offs | 114.9425% | 2,382 |
| Earnings coverage of net charge-offs (x) | 7.6885% | 2,437 |
| Efficiency ratio | 71.4597% | 3,525 |
| Assets per employee ($millions) | 3.1206% | 5,800 |
| Cash dividends to net income (ytd only)* | 23.4375% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2664% | 1,645 |
| Loan loss allowance to noncurrent loans | 112.0742% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 1.8908% | 2,919 |
| Noncurrent loans to loans | 2.0222% | 2,924 |
| Net loans and leases to total assets | 46.7332% | 5,753 |
| Net loans and leases to deposits | 54.3627% | 5,833 |
| Net loans and leases to core deposits | 55.1713% | 6,010 |
| Total domestic deposits to total assets | 85.9655% | 3,368 |
| Equity capital to assets | 11.2453% | 2,846 |
| Core capital (leverage) ratio | 10.3822% | 2,946 |
| Tier 1 risk-based capital ratio | 18.7048% | 2,068 |
| Total risk-based capital ratio | 19.9632% | 2,024 |
| Memoranda: | ||
| Average total assets | $895,763,000 | 740 |
| Average earning assets | $793,395,670 | 759 |
| Average equity | $98,742,670 | 725 |
| Average total loans | $433,619,670 | 963 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6274% | 6,541 |
| Cost of funding earning assets | 0.5254% | 5,636 |
| Net interest margin | 3.1020% | 6,034 |
| Noninterest income to average assets | 2.4119% | 314 |
| Noninterest expense to average assets | 3.4585% | 1,849 |
| Loan and lease loss provision to assets | 0.2229% | 2,721 |
| Net operating income to assets | 1.1005% | 2,081 |
| Return on assets (ROA) | 1.1005% | 2,269 |
| Pretax return on assets | 1.4781% | 1,935 |
| Return on Equity (ROE) | 10.0845% | 2,380 |
| Retained earnings to average equity (ytd only) | 9.0634% | 1,569 |
| Net charge-offs to loans | 0.7221% | 1,393 |
| Credit loss provision to net charge-offs | 63.3714% | 3,051 |
| Earnings coverage of net charge-offs (x) | 4.8365% | 2,495 |
| Efficiency ratio | 67.0324% | 4,354 |
| Assets per employee ($millions) | 3.2456% | 5,669 |
| Cash dividends to net income (ytd only)* | 10.1256% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1722% | 1,941 |
| Loan loss allowance to noncurrent loans | 86.6936% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 2.2076% | 2,685 |
| Noncurrent loans to loans | 2.5056% | 2,604 |
| Net loans and leases to total assets | 45.9157% | 5,791 |
| Net loans and leases to deposits | 52.8618% | 5,907 |
| Net loans and leases to core deposits | 53.6761% | 6,080 |
| Total domestic deposits to total assets | 86.8598% | 3,040 |
| Equity capital to assets | 10.9226% | 3,003 |
| Core capital (leverage) ratio | 10.3333% | 2,951 |
| Tier 1 risk-based capital ratio | 18.6451% | 2,094 |
| Total risk-based capital ratio | 19.9028% | 2,060 |
| Memoranda: | ||
| Average total assets | $897,395,000 | 741 |
| Average earning assets | $794,848,500 | 757 |
| Average equity | $97,932,000 | 730 |
| Average total loans | $437,047,000 | 953 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0129% | 6,428 |
| Cost of funding earning assets | 0.6786% | 5,668 |
| Net interest margin | 3.3344% | 5,710 |
| Noninterest income to average assets | 2.0804% | 355 |
| Noninterest expense to average assets | 4.4603% | 606 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.5060% | 4,401 |
| Return on assets (ROA) | 0.5065% | 4,607 |
| Pretax return on assets | 0.5451% | 4,855 |
| Return on Equity (ROE) | 4.5394% | 4,606 |
| Retained earnings to average equity (ytd only) | 2.7456% | 4,281 |
| Net charge-offs to loans | 0.3822% | 3,497 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 2.6719% | 3,875 |
| Efficiency ratio | 88.5460% | 1,313 |
| Assets per employee ($millions) | 2.9741% | 6,148 |
| Cash dividends to net income (ytd only)* | 39.5165% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1212% | 1,947 |
| Loan loss allowance to noncurrent loans | 83.3421% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 2.3604% | 2,563 |
| Noncurrent loans to loans | 2.5452% | 2,581 |
| Net loans and leases to total assets | 49.4294% | 5,667 |
| Net loans and leases to deposits | 56.6661% | 5,824 |
| Net loans and leases to core deposits | 57.4749% | 6,043 |
| Total domestic deposits to total assets | 87.2292% | 2,627 |
| Equity capital to assets | 10.9030% | 3,074 |
| Core capital (leverage) ratio | 10.4508% | 2,787 |
| Tier 1 risk-based capital ratio | 17.4604% | 2,398 |
| Total risk-based capital ratio | 18.7178% | 2,358 |
| Memoranda: | ||
| Average total assets | $849,353,400 | 767 |
| Average earning assets | $744,941,800 | 794 |
| Average equity | $94,771,200 | 724 |
| Average total loans | $452,906,600 | 921 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0729% | 6,467 |
| Cost of funding earning assets | 0.7138% | 5,681 |
| Net interest margin | 3.3591% | 5,686 |
| Noninterest income to average assets | 2.1863% | 329 |
| Noninterest expense to average assets | 4.3690% | 662 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6419% | 3,911 |
| Return on assets (ROA) | 0.6419% | 4,091 |
| Pretax return on assets | 0.7590% | 4,284 |
| Return on Equity (ROE) | 5.7181% | 4,164 |
| Retained earnings to average equity (ytd only) | 4.0201% | 3,857 |
| Net charge-offs to loans | 0.3960% | 3,132 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 3.5445% | 3,401 |
| Efficiency ratio | 84.4438% | 1,692 |
| Assets per employee ($millions) | 2.6065% | 6,774 |
| Cash dividends to net income (ytd only)* | 29.6956% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2266% | 1,811 |
| Loan loss allowance to noncurrent loans | 84.3588% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 2.4231% | 2,658 |
| Noncurrent loans to loans | 2.6394% | 2,634 |
| Net loans and leases to total assets | 52.1889% | 5,422 |
| Net loans and leases to deposits | 60.0855% | 5,618 |
| Net loans and leases to core deposits | 61.2716% | 5,882 |
| Total domestic deposits to total assets | 86.8577% | 2,739 |
| Equity capital to assets | 11.6464% | 2,545 |
| Core capital (leverage) ratio | 10.7694% | 2,597 |
| Tier 1 risk-based capital ratio | 17.4763% | 2,453 |
| Total risk-based capital ratio | 18.7347% | 2,421 |
| Memoranda: | ||
| Average total assets | $839,375,500 | 787 |
| Average earning assets | $735,058,250 | 816 |
| Average equity | $94,224,750 | 730 |
| Average total loans | $453,862,250 | 939 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1050% | 6,485 |
| Cost of funding earning assets | 0.7276% | 5,791 |
| Net interest margin | 3.3774% | 5,616 |
| Noninterest income to average assets | 1.7923% | 425 |
| Noninterest expense to average assets | 4.1508% | 874 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5317% | 4,371 |
| Return on assets (ROA) | 0.5317% | 4,516 |
| Pretax return on assets | 0.5973% | 4,746 |
| Return on Equity (ROE) | 4.7956% | 4,547 |
| Retained earnings to average equity (ytd only) | 3.0798% | 4,311 |
| Net charge-offs to loans | 0.4909% | 2,631 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 2.2409% | 3,711 |
| Efficiency ratio | 86.1986% | 1,585 |
| Assets per employee ($millions) | 2.5634% | 6,843 |
| Cash dividends to net income (ytd only)* | 35.7782% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3208% | 1,710 |
| Loan loss allowance to noncurrent loans | 74.4306% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 2.7078% | 2,470 |
| Noncurrent loans to loans | 3.1181% | 2,313 |
| Net loans and leases to total assets | 50.8642% | 5,710 |
| Net loans and leases to deposits | 58.3070% | 5,903 |
| Net loans and leases to core deposits | 59.3989% | 6,147 |
| Total domestic deposits to total assets | 87.2351% | 2,605 |
| Equity capital to assets | 11.3101% | 2,674 |
| Core capital (leverage) ratio | 10.4661% | 2,747 |
| Tier 1 risk-based capital ratio | 17.1111% | 2,476 |
| Total risk-based capital ratio | 18.3699% | 2,448 |
| Memoranda: | ||
| Average total assets | $841,140,670 | 794 |
| Average earning assets | $736,132,000 | 820 |
| Average equity | $93,253,000 | 732 |
| Average total loans | $456,746,330 | 950 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0866% | 6,525 |
| Cost of funding earning assets | 0.7355% | 5,945 |
| Net interest margin | 3.3512% | 5,605 |
| Noninterest income to average assets | 1.8381% | 416 |
| Noninterest expense to average assets | 4.2654% | 750 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4766% | 4,589 |
| Return on assets (ROA) | 0.4766% | 4,669 |
| Pretax return on assets | 0.5122% | 4,987 |
| Return on Equity (ROE) | 4.3427% | 4,731 |
| Retained earnings to average equity (ytd only) | 2.1800% | 4,836 |
| Net charge-offs to loans | 0.1842% | 3,387 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 5.0186% | 2,347 |
| Efficiency ratio | 88.0664% | 1,510 |
| Assets per employee ($millions) | 2.5616% | 6,897 |
| Cash dividends to net income (ytd only)* | 49.8008% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5077% | 1,448 |
| Loan loss allowance to noncurrent loans | 68.2977% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 2.5516% | 2,679 |
| Noncurrent loans to loans | 3.6717% | 2,012 |
| Net loans and leases to total assets | 50.6262% | 5,762 |
| Net loans and leases to deposits | 57.9626% | 5,924 |
| Net loans and leases to core deposits | 59.0105% | 6,179 |
| Total domestic deposits to total assets | 87.3428% | 2,743 |
| Equity capital to assets | 10.9469% | 2,740 |
| Core capital (leverage) ratio | 10.3530% | 2,755 |
| Tier 1 risk-based capital ratio | 17.0229% | 2,463 |
| Total risk-based capital ratio | 18.2840% | 2,433 |
| Memoranda: | ||
| Average total assets | $842,600,000 | 791 |
| Average earning assets | $739,089,500 | 824 |
| Average equity | $92,477,500 | 731 |
| Average total loans | $466,877,000 | 936 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6648% | 5,910 |
| Cost of funding earning assets | 0.9151% | 6,103 |
| Net interest margin | 3.7498% | 4,154 |
| Noninterest income to average assets | 2.7413% | 254 |
| Noninterest expense to average assets | 4.2981% | 812 |
| Loan and lease loss provision to assets | 0.7977% | 2,040 |
| Net operating income to assets | 0.6953% | 3,244 |
| Return on assets (ROA) | 0.6953% | 3,376 |
| Pretax return on assets | 0.9123% | 3,234 |
| Return on Equity (ROE) | 6.3160% | 3,444 |
| Retained earnings to average equity (ytd only) | 5.3127% | 2,241 |
| Net charge-offs to loans | 1.8741% | 1,099 |
| Credit loss provision to net charge-offs | 70.5295% | 5,852 |
| Earnings coverage of net charge-offs (x) | 1.5119% | 4,622 |
| Efficiency ratio | 70.5415% | 4,064 |
| Assets per employee ($millions) | 2.5297% | 6,966 |
| Cash dividends to net income (ytd only)* | 15.8842% | 3,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2802% | 1,724 |
| Loan loss allowance to noncurrent loans | 81.1130% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 2.2690% | 3,005 |
| Noncurrent loans to loans | 2.8111% | 2,714 |
| Net loans and leases to total assets | 57.5898% | 5,088 |
| Net loans and leases to deposits | 65.8124% | 5,429 |
| Net loans and leases to core deposits | 68.0095% | 5,660 |
| Total domestic deposits to total assets | 87.5060% | 2,544 |
| Equity capital to assets | 11.0040% | 2,683 |
| Core capital (leverage) ratio | 10.6242% | 2,438 |
| Tier 1 risk-based capital ratio | 15.8178% | 2,831 |
| Total risk-based capital ratio | 17.0778% | 2,791 |
| Memoranda: | ||
| Average total assets | $814,857,800 | 831 |
| Average earning assets | $709,885,800 | 866 |
| Average equity | $89,709,200 | 746 |
| Average total loans | $491,761,800 | 907 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7137% | 5,966 |
| Cost of funding earning assets | 0.9573% | 6,141 |
| Net interest margin | 3.7564% | 4,158 |
| Noninterest income to average assets | 2.8195% | 232 |
| Noninterest expense to average assets | 4.4971% | 599 |
| Loan and lease loss provision to assets | 0.9062% | 1,674 |
| Net operating income to assets | 0.5524% | 4,083 |
| Return on assets (ROA) | 0.5524% | 4,252 |
| Pretax return on assets | 0.6842% | 4,285 |
| Return on Equity (ROE) | 5.0174% | 4,280 |
| Retained earnings to average equity (ytd only) | 4.0447% | 3,633 |
| Net charge-offs to loans | 2.2664% | 788 |
| Credit loss provision to net charge-offs | 65.8525% | 5,537 |
| Earnings coverage of net charge-offs (x) | 1.1558% | 4,909 |
| Efficiency ratio | 72.8835% | 3,546 |
| Assets per employee ($millions) | 2.3889% | 7,211 |
| Cash dividends to net income (ytd only)* | 19.3858% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2405% | 1,722 |
| Loan loss allowance to noncurrent loans | 75.7031% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 2.8618% | 2,535 |
| Noncurrent loans to loans | 2.9596% | 2,695 |
| Net loans and leases to total assets | 61.9057% | 4,550 |
| Net loans and leases to deposits | 71.2656% | 4,957 |
| Net loans and leases to core deposits | 72.2878% | 5,477 |
| Total domestic deposits to total assets | 86.8661% | 2,603 |
| Equity capital to assets | 11.6235% | 2,435 |
| Core capital (leverage) ratio | 10.5567% | 2,631 |
| Tier 1 risk-based capital ratio | 15.3381% | 3,080 |
| Total risk-based capital ratio | 16.5975% | 3,036 |
| Memoranda: | ||
| Average total assets | $809,241,000 | 838 |
| Average earning assets | $704,023,000 | 878 |
| Average equity | $89,101,750 | 748 |
| Average total loans | $491,335,750 | 921 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6399% | 6,339 |
| Cost of funding earning assets | 0.9876% | 6,208 |
| Net interest margin | 3.6523% | 4,571 |
| Noninterest income to average assets | 2.7843% | 233 |
| Noninterest expense to average assets | 4.4556% | 608 |
| Loan and lease loss provision to assets | 0.6909% | 2,093 |
| Net operating income to assets | 0.6359% | 3,702 |
| Return on assets (ROA) | 0.6359% | 3,840 |
| Pretax return on assets | 0.8205% | 3,815 |
| Return on Equity (ROE) | 5.8795% | 3,860 |
| Retained earnings to average equity (ytd only) | 5.3142% | 2,718 |
| Net charge-offs to loans | 2.7551% | 597 |
| Credit loss provision to net charge-offs | 41.8767% | 5,582 |
| Earnings coverage of net charge-offs (x) | 0.9161% | 4,858 |
| Efficiency ratio | 73.6711% | 3,533 |
| Assets per employee ($millions) | 2.4550% | 7,158 |
| Cash dividends to net income (ytd only)* | 9.6154% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0856% | 1,992 |
| Loan loss allowance to noncurrent loans | 61.1470% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 2.9214% | 2,462 |
| Noncurrent loans to loans | 3.4108% | 2,332 |
| Net loans and leases to total assets | 58.3812% | 5,355 |
| Net loans and leases to deposits | 66.7997% | 5,708 |
| Net loans and leases to core deposits | 67.6623% | 6,086 |
| Total domestic deposits to total assets | 87.3974% | 2,328 |
| Equity capital to assets | 11.1427% | 2,734 |
| Core capital (leverage) ratio | 10.4195% | 2,695 |
| Tier 1 risk-based capital ratio | 15.4007% | 2,952 |
| Total risk-based capital ratio | 16.6580% | 2,914 |
| Memoranda: | ||
| Average total assets | $817,798,670 | 834 |
| Average earning assets | $712,646,670 | 865 |
| Average equity | $88,443,000 | 740 |
| Average total loans | $489,717,670 | 929 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6276% | 6,476 |
| Cost of funding earning assets | 1.0291% | 6,234 |
| Net interest margin | 3.5985% | 4,735 |
| Noninterest income to average assets | 2.2449% | 292 |
| Noninterest expense to average assets | 4.2613% | 754 |
| Loan and lease loss provision to assets | 0.6441% | 1,964 |
| Net operating income to assets | 0.4239% | 4,741 |
| Return on assets (ROA) | 0.4239% | 4,876 |
| Pretax return on assets | 0.4842% | 5,020 |
| Return on Equity (ROE) | 3.9788% | 4,906 |
| Retained earnings to average equity (ytd only) | 3.9788% | 3,762 |
| Net charge-offs to loans | 1.4168% | 1,219 |
| Credit loss provision to net charge-offs | 75.7576% | 3,981 |
| Earnings coverage of net charge-offs (x) | 1.3270% | 3,950 |
| Efficiency ratio | 77.9652% | 2,904 |
| Assets per employee ($millions) | 2.4928% | 7,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8396% | 942 |
| Loan loss allowance to noncurrent loans | 50.1443% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 3.8492% | 1,798 |
| Noncurrent loans to loans | 5.6629% | 1,207 |
| Net loans and leases to total assets | 57.0510% | 5,597 |
| Net loans and leases to deposits | 64.9471% | 5,950 |
| Net loans and leases to core deposits | 65.8321% | 6,298 |
| Total domestic deposits to total assets | 87.8422% | 2,144 |
| Equity capital to assets | 10.8474% | 2,898 |
| Core capital (leverage) ratio | 10.1246% | 3,013 |
| Tier 1 risk-based capital ratio | 15.1508% | 3,043 |
| Total risk-based capital ratio | 16.4161% | 2,991 |
| Memoranda: | ||
| Average total assets | $822,854,000 | 839 |
| Average earning assets | $719,081,000 | 877 |
| Average equity | $87,665,500 | 756 |
| Average total loans | $493,785,500 | 948 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4470% | 4,450 |
| Cost of funding earning assets | 1.5743% | 5,157 |
| Net interest margin | 3.8727% | 3,388 |
| Noninterest income to average assets | 2.5423% | 266 |
| Noninterest expense to average assets | 4.1764% | 1,122 |
| Loan and lease loss provision to assets | 1.2836% | 1,801 |
| Net operating income to assets | 0.3658% | 4,268 |
| Return on assets (ROA) | 0.7259% | 2,905 |
| Pretax return on assets | 0.9676% | 2,697 |
| Return on Equity (ROE) | 7.6340% | 2,525 |
| Retained earnings to average equity (ytd only) | 7.6340% | 793 |
| Net charge-offs to loans | 0.9380% | 2,517 |
| Credit loss provision to net charge-offs | 213.3918% | 1,799 |
| Earnings coverage of net charge-offs (x) | 2.9442% | 3,609 |
| Efficiency ratio | 68.3944% | 4,946 |
| Assets per employee ($millions) | 2.5476% | 7,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7367% | 984 |
| Loan loss allowance to noncurrent loans | 53.7086% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 3.6215% | 1,843 |
| Noncurrent loans to loans | 5.0955% | 1,316 |
| Net loans and leases to total assets | 59.5911% | 5,401 |
| Net loans and leases to deposits | 67.2791% | 5,912 |
| Net loans and leases to core deposits | 73.3914% | 6,571 |
| Total domestic deposits to total assets | 88.5730% | 1,690 |
| Equity capital to assets | 10.4650% | 3,224 |
| Core capital (leverage) ratio | 9.8937% | 3,208 |
| Tier 1 risk-based capital ratio | 14.1051% | 3,437 |
| Total risk-based capital ratio | 15.3695% | 3,387 |
| Memoranda: | ||
| Average total assets | $852,840,800 | 794 |
| Average earning assets | $749,857,800 | 831 |
| Average equity | $81,097,800 | 799 |
| Average total loans | $546,895,600 | 875 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6388% | 3,641 |
| Cost of funding earning assets | 1.6944% | 4,927 |
| Net interest margin | 3.9444% | 3,067 |
| Noninterest income to average assets | 2.4335% | 276 |
| Noninterest expense to average assets | 4.0727% | 1,185 |
| Loan and lease loss provision to assets | 1.4373% | 1,334 |
| Net operating income to assets | 0.2979% | 4,796 |
| Return on assets (ROA) | 0.7753% | 2,978 |
| Pretax return on assets | 1.0350% | 2,792 |
| Return on Equity (ROE) | 8.3573% | 2,501 |
| Retained earnings to average equity (ytd only) | 8.3573% | 1,023 |
| Net charge-offs to loans | 0.9119% | 2,144 |
| Credit loss provision to net charge-offs | 243.1501% | 1,790 |
| Earnings coverage of net charge-offs (x) | 3.1057% | 3,684 |
| Efficiency ratio | 66.7272% | 5,241 |
| Assets per employee ($millions) | 2.4874% | 7,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5837% | 984 |
| Loan loss allowance to noncurrent loans | 47.4648% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 4.0188% | 1,587 |
| Noncurrent loans to loans | 5.4433% | 1,150 |
| Net loans and leases to total assets | 63.5714% | 4,955 |
| Net loans and leases to deposits | 72.3119% | 5,599 |
| Net loans and leases to core deposits | 79.8094% | 6,371 |
| Total domestic deposits to total assets | 87.9128% | 1,700 |
| Equity capital to assets | 10.7028% | 3,283 |
| Core capital (leverage) ratio | 9.4616% | 3,964 |
| Tier 1 risk-based capital ratio | 13.4421% | 3,898 |
| Total risk-based capital ratio | 14.7049% | 3,824 |
| Memoranda: | ||
| Average total assets | $857,787,500 | 803 |
| Average earning assets | $755,718,000 | 832 |
| Average equity | $79,577,500 | 825 |
| Average total loans | $556,021,000 | 876 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7733% | 3,173 |
| Cost of funding earning assets | 1.7642% | 4,935 |
| Net interest margin | 4.0091% | 2,661 |
| Noninterest income to average assets | 2.2220% | 317 |
| Noninterest expense to average assets | 3.9183% | 1,448 |
| Loan and lease loss provision to assets | 1.6808% | 999 |
| Net operating income to assets | 0.1154% | 5,516 |
| Return on assets (ROA) | 0.7993% | 2,956 |
| Pretax return on assets | 1.0944% | 2,657 |
| Return on Equity (ROE) | 9.0445% | 2,345 |
| Retained earnings to average equity (ytd only) | 9.0445% | 923 |
| Net charge-offs to loans | 0.4990% | 2,834 |
| Credit loss provision to net charge-offs | 520.6945% | 887 |
| Earnings coverage of net charge-offs (x) | 5.6953% | 2,779 |
| Efficiency ratio | 66.0587% | 5,538 |
| Assets per employee ($millions) | 2.6399% | 6,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4494% | 941 |
| Loan loss allowance to noncurrent loans | 71.5455% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 2.8192% | 2,278 |
| Noncurrent loans to loans | 3.4236% | 2,060 |
| Net loans and leases to total assets | 65.9570% | 4,570 |
| Net loans and leases to deposits | 73.8367% | 5,476 |
| Net loans and leases to core deposits | 82.6536% | 6,189 |
| Total domestic deposits to total assets | 89.3282% | 1,108 |
| Equity capital to assets | 9.2149% | 4,992 |
| Core capital (leverage) ratio | 8.4036% | 5,606 |
| Tier 1 risk-based capital ratio | 11.5651% | 5,315 |
| Total risk-based capital ratio | 12.8185% | 5,248 |
| Memoranda: | ||
| Average total assets | $874,248,000 | 803 |
| Average earning assets | $770,788,000 | 832 |
| Average equity | $77,262,670 | 858 |
| Average total loans | $565,513,000 | 883 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8222% | 3,187 |
| Cost of funding earning assets | 1.8556% | 4,849 |
| Net interest margin | 3.9666% | 2,791 |
| Noninterest income to average assets | 1.7068% | 467 |
| Noninterest expense to average assets | 3.8753% | 1,344 |
| Loan and lease loss provision to assets | 1.7609% | 702 |
| Net operating income to assets | -0.1327% | 6,460 |
| Return on assets (ROA) | 0.0663% | 6,234 |
| Pretax return on assets | -0.1137% | 6,490 |
| Return on Equity (ROE) | 0.7663% | 6,204 |
| Retained earnings to average equity (ytd only) | 0.7663% | 5,357 |
| Net charge-offs to loans | 0.7060% | 1,774 |
| Credit loss provision to net charge-offs | 394.1414% | 1,312 |
| Earnings coverage of net charge-offs (x) | 2.9909% | 3,311 |
| Efficiency ratio | 72.3502% | 4,127 |
| Assets per employee ($millions) | 2.7669% | 6,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9688% | 1,482 |
| Loan loss allowance to noncurrent loans | 80.1657% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 2.0232% | 2,863 |
| Noncurrent loans to loans | 2.4559% | 2,691 |
| Net loans and leases to total assets | 63.0142% | 5,159 |
| Net loans and leases to deposits | 70.3993% | 5,941 |
| Net loans and leases to core deposits | 78.8983% | 6,471 |
| Total domestic deposits to total assets | 89.5096% | 1,002 |
| Equity capital to assets | 8.7917% | 5,636 |
| Core capital (leverage) ratio | 7.7601% | 6,805 |
| Tier 1 risk-based capital ratio | 10.7701% | 6,120 |
| Total risk-based capital ratio | 12.0195% | 6,031 |
| Memoranda: | ||
| Average total assets | $886,341,000 | 798 |
| Average earning assets | $783,138,500 | 820 |
| Average equity | $76,728,000 | 861 |
| Average total loans | $560,893,000 | 896 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4354% | 3,252 |
| Cost of funding earning assets | 2.5228% | 4,083 |
| Net interest margin | 3.9125% | 3,506 |
| Noninterest income to average assets | 0.7021% | 3,115 |
| Noninterest expense to average assets | 3.9932% | 1,428 |
| Loan and lease loss provision to assets | 1.0553% | 1,380 |
| Net operating income to assets | -0.4581% | 6,891 |
| Return on assets (ROA) | -0.4579% | 6,768 |
| Pretax return on assets | -0.9242% | 6,957 |
| Return on Equity (ROE) | -5.0277% | 6,872 |
| Retained earnings to average equity (ytd only) | -5.0277% | 6,520 |
| Net charge-offs to loans | 1.0026% | 1,236 |
| Credit loss provision to net charge-offs | 161.3752% | 3,201 |
| Earnings coverage of net charge-offs (x) | 0.2001% | 6,119 |
| Efficiency ratio | 94.0867% | 1,270 |
| Assets per employee ($millions) | 2.8516% | 6,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4359% | 3,000 |
| Loan loss allowance to noncurrent loans | 56.3295% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 2.0949% | 2,348 |
| Noncurrent loans to loans | 2.5491% | 2,136 |
| Net loans and leases to total assets | 61.4219% | 5,707 |
| Net loans and leases to deposits | 68.3400% | 6,427 |
| Net loans and leases to core deposits | 78.2893% | 6,736 |
| Total domestic deposits to total assets | 89.8770% | 702 |
| Equity capital to assets | 8.5261% | 6,042 |
| Core capital (leverage) ratio | 7.8150% | 6,780 |
| Tier 1 risk-based capital ratio | 10.4693% | 6,236 |
| Total risk-based capital ratio | 11.7000% | 6,141 |
| Memoranda: | ||
| Average total assets | $871,792,800 | 774 |
| Average earning assets | $762,473,000 | 813 |
| Average equity | $79,400,800 | 841 |
| Average total loans | $568,627,600 | 837 |