Home > Commercial National Bank of Texarkana > Performance and Condition Ratios
Commercial National Bank of Texarkana, 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 | 5.0641% | 1,942 |
| Cost of funding earning assets | 1.1555% | 2,921 |
| Net interest margin | 3.9087% | 1,357 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 2.7209% | 1,686 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.5335% | 961 |
| Return on assets (ROA) | 1.5335% | 931 |
| Pretax return on assets | 1.5335% | 1,350 |
| Return on Equity (ROE) | 33.9600% | 134 |
| Retained earnings to average equity (ytd only) | 9.6871% | 1,093 |
| Net charge-offs to loans | 0.0270% | 1,778 |
| Credit loss provision to net charge-offs | -432.2034% | 4,532 |
| Earnings coverage of net charge-offs (x) | 83.2034% | 1,000 |
| Efficiency ratio | 62.8669% | 2,741 |
| Assets per employee ($millions) | 5.5139% | 3,240 |
| Cash dividends to net income (ytd only)* | 71.4774% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8759% | 3,791 |
| Loan loss allowance to noncurrent loans | 641.6393% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 2,865 |
| Noncurrent loans to loans | 0.1365% | 2,826 |
| Net loans and leases to total assets | 71.7300% | 1,614 |
| Net loans and leases to deposits | 76.8437% | 2,367 |
| Net loans and leases to core deposits | 85.1418% | 2,369 |
| Total domestic deposits to total assets | 93.3400% | 148 |
| Equity capital to assets | 4.7429% | 4,444 |
| Core capital (leverage) ratio | 9.2486% | 3,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6236% | 1,650 |
| Memoranda: | ||
| Average total assets | $305,445,000 | 2,403 |
| Average earning assets | $285,418,200 | 2,378 |
| Average equity | $13,791,600 | 3,364 |
| Average total loans | $218,370,200 | 2,172 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9539% | 1,940 |
| Cost of funding earning assets | 1.0746% | 2,816 |
| Net interest margin | 3.8793% | 1,450 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 2.6411% | 1,825 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.6213% | 904 |
| Return on assets (ROA) | 1.6213% | 893 |
| Pretax return on assets | 1.6213% | 1,309 |
| Return on Equity (ROE) | 36.3700% | 148 |
| Retained earnings to average equity (ytd only) | 13.5606% | 731 |
| Net charge-offs to loans | 0.0252% | 1,572 |
| Credit loss provision to net charge-offs | -743.9024% | 4,587 |
| Earnings coverage of net charge-offs (x) | 94.6098% | 945 |
| Efficiency ratio | 60.8696% | 2,863 |
| Assets per employee ($millions) | 5.2376% | 3,397 |
| Cash dividends to net income (ytd only)* | 62.7160% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8801% | 3,795 |
| Loan loss allowance to noncurrent loans | 539.2157% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.1175% | 2,783 |
| Noncurrent loans to loans | 0.1632% | 2,729 |
| Net loans and leases to total assets | 71.3700% | 1,653 |
| Net loans and leases to deposits | 76.6915% | 2,363 |
| Net loans and leases to core deposits | 84.3942% | 2,302 |
| Total domestic deposits to total assets | 93.0600% | 286 |
| Equity capital to assets | 4.1293% | 4,390 |
| Core capital (leverage) ratio | 9.2740% | 3,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7905% | 1,634 |
| Memoranda: | ||
| Average total assets | $304,612,250 | 2,413 |
| Average earning assets | $285,130,250 | 2,383 |
| Average equity | $13,578,250 | 3,366 |
| Average total loans | $217,104,750 | 2,179 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8231% | 1,942 |
| Cost of funding earning assets | 0.9493% | 2,773 |
| Net interest margin | 3.8738% | 1,476 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 2.5872% | 1,960 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.5422% | 1,031 |
| Return on assets (ROA) | 1.5422% | 1,024 |
| Pretax return on assets | 1.5422% | 1,514 |
| Return on Equity (ROE) | 33.7700% | 163 |
| Retained earnings to average equity (ytd only) | 7.5989% | 2,096 |
| Net charge-offs to loans | 0.0296% | 1,301 |
| Credit loss provision to net charge-offs | -546.8750% | 4,602 |
| Earnings coverage of net charge-offs (x) | 77.3750% | 1,068 |
| Efficiency ratio | 61.4330% | 2,787 |
| Assets per employee ($millions) | 5.3728% | 3,258 |
| Cash dividends to net income (ytd only)* | 77.4989% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9339% | 3,677 |
| Loan loss allowance to noncurrent loans | 10,863.1579% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 3,798 |
| Noncurrent loans to loans | 0.0086% | 3,730 |
| Net loans and leases to total assets | 71.5000% | 1,585 |
| Net loans and leases to deposits | 79.9363% | 1,987 |
| Net loans and leases to core deposits | 87.6873% | 1,947 |
| Total domestic deposits to total assets | 89.4400% | 1,097 |
| Equity capital to assets | 4.4627% | 4,447 |
| Core capital (leverage) ratio | 9.0176% | 3,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0826% | 1,858 |
| Memoranda: | ||
| Average total assets | $304,889,000 | 2,415 |
| Average earning assets | $285,253,000 | 2,392 |
| Average equity | $13,923,000 | 3,366 |
| Average total loans | $216,566,000 | 2,176 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6747% | 1,911 |
| Cost of funding earning assets | 0.7904% | 2,767 |
| Net interest margin | 3.8844% | 1,507 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 2.5811% | 2,008 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.5779% | 1,020 |
| Return on assets (ROA) | 1.5779% | 1,017 |
| Pretax return on assets | 1.5779% | 1,514 |
| Return on Equity (ROE) | 34.1600% | 170 |
| Retained earnings to average equity (ytd only) | 7.0031% | 2,495 |
| Net charge-offs to loans | 0.0504% | 863 |
| Credit loss provision to net charge-offs | 185.1852% | 860 |
| Earnings coverage of net charge-offs (x) | 46.2963% | 1,128 |
| Efficiency ratio | 61.0955% | 2,810 |
| Assets per employee ($millions) | 5.4039% | 3,314 |
| Cash dividends to net income (ytd only)* | 79.5000% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 3,199 |
| Loan loss allowance to noncurrent loans | 1,835.2000% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.0413% | 3,371 |
| Noncurrent loans to loans | 0.0584% | 3,317 |
| Net loans and leases to total assets | 70.0300% | 1,625 |
| Net loans and leases to deposits | 74.5969% | 2,251 |
| Net loans and leases to core deposits | 81.0733% | 2,179 |
| Total domestic deposits to total assets | 93.8800% | 183 |
| Equity capital to assets | 4.5543% | 4,485 |
| Core capital (leverage) ratio | 8.9089% | 3,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3357% | 1,856 |
| Memoranda: | ||
| Average total assets | $304,208,000 | 2,446 |
| Average earning assets | $284,422,000 | 2,430 |
| Average equity | $14,051,000 | 3,383 |
| Average total loans | $214,339,000 | 2,211 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2285% | 1,195 |
| Cost of funding earning assets | 0.2019% | 3,746 |
| Net interest margin | 4.0266% | 759 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 2.6039% | 1,820 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.6845% | 552 |
| Return on assets (ROA) | 1.6845% | 528 |
| Pretax return on assets | 1.6845% | 955 |
| Return on Equity (ROE) | 31.3900% | 101 |
| Retained earnings to average equity (ytd only) | 19.4783% | 103 |
| Net charge-offs to loans | 0.0271% | 1,515 |
| Credit loss provision to net charge-offs | 740.7407% | 525 |
| Earnings coverage of net charge-offs (x) | 100.8889% | 969 |
| Efficiency ratio | 58.8861% | 3,209 |
| Assets per employee ($millions) | 5.6630% | 3,073 |
| Cash dividends to net income (ytd only)* | 37.9556% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 3,082 |
| Loan loss allowance to noncurrent loans | 1,534.4595% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.0484% | 3,323 |
| Noncurrent loans to loans | 0.0690% | 3,259 |
| Net loans and leases to total assets | 69.3900% | 1,695 |
| Net loans and leases to deposits | 77.3698% | 2,005 |
| Net loans and leases to core deposits | 82.8892% | 1,942 |
| Total domestic deposits to total assets | 89.6900% | 1,490 |
| Equity capital to assets | 4.6828% | 4,440 |
| Core capital (leverage) ratio | 8.8697% | 3,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1757% | 1,912 |
| Memoranda: | ||
| Average total assets | $299,666,200 | 2,453 |
| Average earning assets | $281,353,000 | 2,438 |
| Average equity | $16,079,400 | 3,267 |
| Average total loans | $199,192,400 | 2,236 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1302% | 1,009 |
| Cost of funding earning assets | 0.1347% | 3,992 |
| Net interest margin | 3.9955% | 644 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 2.5259% | 1,935 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 1.7088% | 520 |
| Return on assets (ROA) | 1.7088% | 508 |
| Pretax return on assets | 1.7088% | 887 |
| Return on Equity (ROE) | 30.8400% | 97 |
| Retained earnings to average equity (ytd only) | 19.4112% | 120 |
| Net charge-offs to loans | 0.0328% | 1,195 |
| Credit loss provision to net charge-offs | 729.1667% | 500 |
| Earnings coverage of net charge-offs (x) | 86.8958% | 1,009 |
| Efficiency ratio | 57.5211% | 3,441 |
| Assets per employee ($millions) | 5.6610% | 3,066 |
| Cash dividends to net income (ytd only)* | 37.0584% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 3,186 |
| Loan loss allowance to noncurrent loans | 1,302.3392% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 3,323 |
| Noncurrent loans to loans | 0.0816% | 3,293 |
| Net loans and leases to total assets | 69.0800% | 1,562 |
| Net loans and leases to deposits | 75.6114% | 1,913 |
| Net loans and leases to core deposits | 79.3310% | 1,947 |
| Total domestic deposits to total assets | 91.3700% | 1,093 |
| Equity capital to assets | 4.2142% | 4,452 |
| Core capital (leverage) ratio | 8.6590% | 3,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1151% | 2,008 |
| Memoranda: | ||
| Average total assets | $298,132,750 | 2,476 |
| Average earning assets | $280,206,750 | 2,459 |
| Average equity | $16,519,250 | 3,271 |
| Average total loans | $195,374,500 | 2,262 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9677% | 991 |
| Cost of funding earning assets | 0.1010% | 4,180 |
| Net interest margin | 3.8667% | 654 |
| Noninterest income to average assets | 0.6326% | 1,604 |
| Noninterest expense to average assets | 2.5163% | 1,876 |
| Loan and lease loss provision to assets | 0.1345% | 712 |
| Net operating income to assets | 1.6121% | 533 |
| Return on assets (ROA) | 1.6121% | 517 |
| Pretax return on assets | 1.6121% | 910 |
| Return on Equity (ROE) | 26.9272% | 84 |
| Retained earnings to average equity (ytd only) | 11.0269% | 780 |
| Net charge-offs to loans | 0.0325% | 1,081 |
| Credit loss provision to net charge-offs | 645.1613% | 537 |
| Earnings coverage of net charge-offs (x) | 83.8065% | 906 |
| Efficiency ratio | 59.0285% | 3,438 |
| Assets per employee ($millions) | 5.6780% | 3,050 |
| Cash dividends to net income (ytd only)* | 59.0492% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0444% | 3,408 |
| Loan loss allowance to noncurrent loans | 5,369.2308% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 3,892 |
| Noncurrent loans to loans | 0.0195% | 3,822 |
| Net loans and leases to total assets | 67.1981% | 1,559 |
| Net loans and leases to deposits | 70.4934% | 2,155 |
| Net loans and leases to core deposits | 73.4444% | 2,211 |
| Total domestic deposits to total assets | 95.3254% | 119 |
| Equity capital to assets | 3.9376% | 4,632 |
| Core capital (leverage) ratio | 8.1776% | 4,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7325% | 2,189 |
| Memoranda: | ||
| Average total assets | $297,499,667 | 2,494 |
| Average earning assets | $279,308,333 | 2,487 |
| Average equity | $17,811,000 | 3,251 |
| Average total loans | $190,666,333 | 2,295 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8210% | 1,051 |
| Cost of funding earning assets | 0.1013% | 4,115 |
| Net interest margin | 3.7197% | 723 |
| Noninterest income to average assets | 0.5706% | 1,822 |
| Noninterest expense to average assets | 2.4687% | 1,964 |
| Loan and lease loss provision to assets | 0.1005% | 832 |
| Net operating income to assets | 1.4935% | 645 |
| Return on assets (ROA) | 1.4935% | 636 |
| Pretax return on assets | 1.4935% | 1,032 |
| Return on Equity (ROE) | 21.3361% | 182 |
| Retained earnings to average equity (ytd only) | 6.7931% | 1,963 |
| Net charge-offs to loans | 0.0215% | 1,111 |
| Credit loss provision to net charge-offs | 750.0000% | 407 |
| Earnings coverage of net charge-offs (x) | 119.0000% | 614 |
| Efficiency ratio | 60.7649% | 3,403 |
| Assets per employee ($millions) | 5.7605% | 3,048 |
| Cash dividends to net income (ytd only)* | 68.1614% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0350% | 3,580 |
| Loan loss allowance to noncurrent loans | 4,853.6585% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 3,927 |
| Noncurrent loans to loans | 0.0213% | 3,841 |
| Net loans and leases to total assets | 63.5207% | 1,686 |
| Net loans and leases to deposits | 68.9850% | 2,052 |
| Net loans and leases to core deposits | 72.0043% | 2,111 |
| Total domestic deposits to total assets | 92.0791% | 545 |
| Equity capital to assets | 6.2100% | 4,529 |
| Core capital (leverage) ratio | 8.0860% | 4,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6481% | 2,365 |
| Memoranda: | ||
| Average total assets | $298,622,500 | 2,502 |
| Average earning assets | $280,348,500 | 2,500 |
| Average equity | $20,903,500 | 3,066 |
| Average total loans | $185,750,000 | 2,331 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1497% | 1,086 |
| Cost of funding earning assets | 0.1401% | 4,066 |
| Net interest margin | 4.0096% | 695 |
| Noninterest income to average assets | 0.6411% | 1,986 |
| Noninterest expense to average assets | 2.6407% | 1,774 |
| Loan and lease loss provision to assets | 0.1361% | 894 |
| Net operating income to assets | 1.6257% | 748 |
| Return on assets (ROA) | 1.6389% | 762 |
| Pretax return on assets | 1.6389% | 1,315 |
| Return on Equity (ROE) | 19.7111% | 324 |
| Retained earnings to average equity (ytd only) | 10.1829% | 871 |
| Net charge-offs to loans | 0.0321% | 1,594 |
| Credit loss provision to net charge-offs | 690.9091% | 669 |
| Earnings coverage of net charge-offs (x) | 89.4364% | 933 |
| Efficiency ratio | 59.9821% | 3,153 |
| Assets per employee ($millions) | 5.6169% | 3,150 |
| Cash dividends to net income (ytd only)* | 48.3392% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0740% | 3,463 |
| Loan loss allowance to noncurrent loans | 1,384.8921% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.0467% | 3,666 |
| Noncurrent loans to loans | 0.0776% | 3,544 |
| Net loans and leases to total assets | 59.5606% | 2,204 |
| Net loans and leases to deposits | 65.1219% | 2,589 |
| Net loans and leases to core deposits | 69.1267% | 2,537 |
| Total domestic deposits to total assets | 91.4601% | 324 |
| Equity capital to assets | 7.7948% | 4,471 |
| Core capital (leverage) ratio | 8.1073% | 4,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1921% | 2,163 |
| Memoranda: | ||
| Average total assets | $279,208,800 | 2,546 |
| Average earning assets | $261,920,200 | 2,540 |
| Average equity | $23,215,400 | 2,964 |
| Average total loans | $171,399,200 | 2,451 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1158% | 1,268 |
| Cost of funding earning assets | 0.1471% | 4,134 |
| Net interest margin | 3.9687% | 836 |
| Noninterest income to average assets | 0.6322% | 2,088 |
| Noninterest expense to average assets | 2.6240% | 1,776 |
| Loan and lease loss provision to assets | 0.1482% | 766 |
| Net operating income to assets | 1.5795% | 1,079 |
| Return on assets (ROA) | 1.5975% | 1,085 |
| Pretax return on assets | 1.5975% | 1,711 |
| Return on Equity (ROE) | 18.8929% | 528 |
| Retained earnings to average equity (ytd only) | 9.8829% | 1,360 |
| Net charge-offs to loans | 0.0244% | 1,552 |
| Credit loss provision to net charge-offs | 983.8710% | 517 |
| Earnings coverage of net charge-offs (x) | 114.7742% | 799 |
| Efficiency ratio | 60.2990% | 2,940 |
| Assets per employee ($millions) | 5.6687% | 3,022 |
| Cash dividends to net income (ytd only)* | 47.6900% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0827% | 3,518 |
| Loan loss allowance to noncurrent loans | 3,987.2340% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 4,104 |
| Noncurrent loans to loans | 0.0272% | 4,001 |
| Net loans and leases to total assets | 59.2202% | 2,349 |
| Net loans and leases to deposits | 64.6734% | 2,766 |
| Net loans and leases to core deposits | 68.8083% | 2,707 |
| Total domestic deposits to total assets | 91.5681% | 221 |
| Equity capital to assets | 8.2507% | 4,385 |
| Core capital (leverage) ratio | 8.1142% | 4,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5616% | 2,144 |
| Memoranda: | ||
| Average total assets | $274,586,750 | 2,593 |
| Average earning assets | $257,342,500 | 2,587 |
| Average equity | $23,218,000 | 2,999 |
| Average total loans | $169,440,250 | 2,503 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9934% | 1,581 |
| Cost of funding earning assets | 0.1573% | 4,147 |
| Net interest margin | 3.8361% | 1,088 |
| Noninterest income to average assets | 0.6287% | 2,090 |
| Noninterest expense to average assets | 2.6699% | 1,665 |
| Loan and lease loss provision to assets | 0.0741% | 1,596 |
| Net operating income to assets | 1.4829% | 1,344 |
| Return on assets (ROA) | 1.5110% | 1,326 |
| Pretax return on assets | 1.5110% | 1,984 |
| Return on Equity (ROE) | 17.7169% | 687 |
| Retained earnings to average equity (ytd only) | 10.0407% | 1,377 |
| Net charge-offs to loans | 0.0012% | 2,192 |
| Credit loss provision to net charge-offs | 10,000.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 2,100.0000% | 49 |
| Efficiency ratio | 63.1644% | 2,544 |
| Assets per employee ($millions) | 5.1162% | 3,543 |
| Cash dividends to net income (ytd only)* | 43.3268% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9737% | 3,909 |
| Loan loss allowance to noncurrent loans | 1,439.8305% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 3,971 |
| Noncurrent loans to loans | 0.0676% | 3,853 |
| Net loans and leases to total assets | 61.4066% | 2,249 |
| Net loans and leases to deposits | 68.1749% | 2,598 |
| Net loans and leases to core deposits | 72.8140% | 2,537 |
| Total domestic deposits to total assets | 90.0721% | 740 |
| Equity capital to assets | 8.2263% | 4,416 |
| Core capital (leverage) ratio | 8.0175% | 4,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6774% | 2,098 |
| Memoranda: | ||
| Average total assets | $269,747,667 | 2,614 |
| Average earning assets | $253,015,333 | 2,610 |
| Average equity | $23,006,333 | 3,010 |
| Average total loans | $168,226,333 | 2,526 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9754% | 1,648 |
| Cost of funding earning assets | 0.1666% | 4,190 |
| Net interest margin | 3.8088% | 1,115 |
| Noninterest income to average assets | 0.6214% | 2,124 |
| Noninterest expense to average assets | 2.5174% | 2,131 |
| Loan and lease loss provision to assets | 0.0758% | 1,673 |
| Net operating income to assets | 1.5974% | 1,133 |
| Return on assets (ROA) | 1.5974% | 1,183 |
| Pretax return on assets | 1.5974% | 1,734 |
| Return on Equity (ROE) | 18.3820% | 676 |
| Retained earnings to average equity (ytd only) | 10.2548% | 1,584 |
| Net charge-offs to loans | 0.0073% | 1,639 |
| Credit loss provision to net charge-offs | 1,666.6667% | 279 |
| Earnings coverage of net charge-offs (x) | 368.0000% | 251 |
| Efficiency ratio | 60.0723% | 3,022 |
| Assets per employee ($millions) | 4.6319% | 3,994 |
| Cash dividends to net income (ytd only)* | 44.2125% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9821% | 3,911 |
| Loan loss allowance to noncurrent loans | 2,138.9610% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 4,160 |
| Noncurrent loans to loans | 0.0459% | 4,057 |
| Net loans and leases to total assets | 60.7611% | 2,437 |
| Net loans and leases to deposits | 66.4260% | 2,877 |
| Net loans and leases to core deposits | 71.1200% | 2,774 |
| Total domestic deposits to total assets | 91.4719% | 248 |
| Equity capital to assets | 8.2994% | 4,278 |
| Core capital (leverage) ratio | 8.2601% | 4,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1351% | 1,862 |
| Memoranda: | ||
| Average total assets | $263,926,500 | 2,636 |
| Average earning assets | $247,319,500 | 2,629 |
| Average equity | $22,935,500 | 3,001 |
| Average total loans | $165,094,000 | 2,549 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4811% | 1,361 |
| Cost of funding earning assets | 0.2477% | 4,387 |
| Net interest margin | 4.2334% | 589 |
| Noninterest income to average assets | 0.6676% | 1,958 |
| Noninterest expense to average assets | 2.8591% | 1,790 |
| Loan and lease loss provision to assets | 0.1638% | 2,327 |
| Net operating income to assets | 1.6354% | 592 |
| Return on assets (ROA) | 1.6375% | 637 |
| Pretax return on assets | 1.6375% | 984 |
| Return on Equity (ROE) | 17.9547% | 335 |
| Retained earnings to average equity (ytd only) | 5.6697% | 1,959 |
| Net charge-offs to loans | 0.0274% | 2,484 |
| Credit loss provision to net charge-offs | 940.4762% | 813 |
| Earnings coverage of net charge-offs (x) | 103.3095% | 769 |
| Efficiency ratio | 61.3762% | 3,251 |
| Assets per employee ($millions) | 4.0408% | 4,344 |
| Cash dividends to net income (ytd only)* | 68.4224% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9847% | 3,924 |
| Loan loss allowance to noncurrent loans | 758.2938% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.0829% | 3,917 |
| Noncurrent loans to loans | 0.1299% | 3,763 |
| Net loans and leases to total assets | 63.2012% | 2,464 |
| Net loans and leases to deposits | 69.6524% | 2,918 |
| Net loans and leases to core deposits | 74.8691% | 2,830 |
| Total domestic deposits to total assets | 90.7380% | 296 |
| Equity capital to assets | 9.1096% | 3,964 |
| Core capital (leverage) ratio | 8.2353% | 4,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1995% | 1,780 |
| Memoranda: | ||
| Average total assets | $241,163,800 | 2,650 |
| Average earning assets | $227,334,000 | 2,618 |
| Average equity | $21,994,200 | 3,008 |
| Average total loans | $153,275,800 | 2,633 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3911% | 1,870 |
| Cost of funding earning assets | 0.2613% | 4,467 |
| Net interest margin | 4.1298% | 847 |
| Noninterest income to average assets | 0.6526% | 1,979 |
| Noninterest expense to average assets | 2.8156% | 1,932 |
| Loan and lease loss provision to assets | 0.1653% | 2,346 |
| Net operating income to assets | 1.5704% | 779 |
| Return on assets (ROA) | 1.5732% | 849 |
| Pretax return on assets | 1.5732% | 1,261 |
| Return on Equity (ROE) | 17.2445% | 422 |
| Retained earnings to average equity (ytd only) | 3.5829% | 3,265 |
| Net charge-offs to loans | 0.0194% | 2,471 |
| Credit loss provision to net charge-offs | 1,340.9091% | 677 |
| Earnings coverage of net charge-offs (x) | 140.7273% | 633 |
| Efficiency ratio | 61.8625% | 3,101 |
| Assets per employee ($millions) | 3.7307% | 4,535 |
| Cash dividends to net income (ytd only)* | 79.2231% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9084% | 4,044 |
| Loan loss allowance to noncurrent loans | 1,006.6225% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.0587% | 4,146 |
| Noncurrent loans to loans | 0.0902% | 4,008 |
| Net loans and leases to total assets | 64.4103% | 2,719 |
| Net loans and leases to deposits | 71.0597% | 3,209 |
| Net loans and leases to core deposits | 76.2944% | 3,144 |
| Total domestic deposits to total assets | 90.6424% | 250 |
| Equity capital to assets | 8.8129% | 4,245 |
| Core capital (leverage) ratio | 8.0792% | 4,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9247% | 1,853 |
| Memoranda: | ||
| Average total assets | $237,812,750 | 2,648 |
| Average earning assets | $224,507,500 | 2,618 |
| Average equity | $21,695,250 | 3,027 |
| Average total loans | $150,972,250 | 2,660 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4864% | 1,951 |
| Cost of funding earning assets | 0.2813% | 4,530 |
| Net interest margin | 4.2051% | 911 |
| Noninterest income to average assets | 0.6728% | 1,841 |
| Noninterest expense to average assets | 2.9013% | 1,827 |
| Loan and lease loss provision to assets | 0.1686% | 2,316 |
| Net operating income to assets | 1.5713% | 803 |
| Return on assets (ROA) | 1.5756% | 870 |
| Pretax return on assets | 1.5756% | 1,276 |
| Return on Equity (ROE) | 17.0559% | 449 |
| Retained earnings to average equity (ytd only) | 5.2797% | 2,356 |
| Net charge-offs to loans | 0.0055% | 2,764 |
| Credit loss provision to net charge-offs | 4,875.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 503.0000% | 204 |
| Efficiency ratio | 62.5116% | 3,046 |
| Assets per employee ($millions) | 4.0975% | 4,207 |
| Cash dividends to net income (ytd only)* | 69.0450% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8894% | 4,035 |
| Loan loss allowance to noncurrent loans | 921.7949% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.0614% | 4,223 |
| Noncurrent loans to loans | 0.0965% | 4,064 |
| Net loans and leases to total assets | 63.0773% | 2,994 |
| Net loans and leases to deposits | 69.5370% | 3,455 |
| Net loans and leases to core deposits | 74.8103% | 3,387 |
| Total domestic deposits to total assets | 90.7104% | 219 |
| Equity capital to assets | 8.9413% | 4,138 |
| Core capital (leverage) ratio | 8.4082% | 4,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4832% | 1,637 |
| Memoranda: | ||
| Average total assets | $231,278,000 | 2,671 |
| Average earning assets | $218,257,333 | 2,645 |
| Average equity | $21,365,000 | 3,042 |
| Average total loans | $145,522,000 | 2,694 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4675% | 2,397 |
| Cost of funding earning assets | 0.3054% | 4,645 |
| Net interest margin | 4.1620% | 999 |
| Noninterest income to average assets | 0.7840% | 1,355 |
| Noninterest expense to average assets | 3.0306% | 1,806 |
| Loan and lease loss provision to assets | 0.1728% | 1,708 |
| Net operating income to assets | 1.4971% | 789 |
| Return on assets (ROA) | 1.5062% | 842 |
| Pretax return on assets | 1.5062% | 1,289 |
| Return on Equity (ROE) | 16.0077% | 424 |
| Retained earnings to average equity (ytd only) | 3.6926% | 2,804 |
| Net charge-offs to loans | 0.0146% | 2,082 |
| Credit loss provision to net charge-offs | 1,900.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 183.6000% | 368 |
| Efficiency ratio | 64.4737% | 3,157 |
| Assets per employee ($millions) | 3.4226% | 4,544 |
| Cash dividends to net income (ytd only)* | 76.9324% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9778% | 3,819 |
| Loan loss allowance to noncurrent loans | 649.0291% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.0926% | 4,152 |
| Noncurrent loans to loans | 0.1506% | 3,917 |
| Net loans and leases to total assets | 60.8648% | 3,416 |
| Net loans and leases to deposits | 67.3056% | 3,773 |
| Net loans and leases to core deposits | 72.9819% | 3,696 |
| Total domestic deposits to total assets | 90.4305% | 212 |
| Equity capital to assets | 9.4715% | 4,245 |
| Core capital (leverage) ratio | 9.3352% | 4,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7021% | 1,686 |
| Memoranda: | ||
| Average total assets | $219,893,500 | 2,711 |
| Average earning assets | $206,918,500 | 2,685 |
| Average equity | $20,690,000 | 3,103 |
| Average total loans | $137,441,000 | 2,747 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7540% | 2,181 |
| Cost of funding earning assets | 0.3492% | 4,595 |
| Net interest margin | 4.4048% | 888 |
| Noninterest income to average assets | 0.8138% | 1,414 |
| Noninterest expense to average assets | 3.0441% | 1,902 |
| Loan and lease loss provision to assets | 0.1434% | 1,487 |
| Net operating income to assets | 1.7898% | 534 |
| Return on assets (ROA) | 1.7898% | 566 |
| Pretax return on assets | 1.7898% | 965 |
| Return on Equity (ROE) | 20.5877% | 182 |
| Retained earnings to average equity (ytd only) | 6.7490% | 1,503 |
| Net charge-offs to loans | 0.0990% | 1,735 |
| Credit loss provision to net charge-offs | 234.6154% | 1,144 |
| Earnings coverage of net charge-offs (x) | 31.6308% | 1,531 |
| Efficiency ratio | 61.1599% | 3,513 |
| Assets per employee ($millions) | 3.2927% | 4,649 |
| Cash dividends to net income (ytd only)* | 67.2183% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9027% | 3,947 |
| Loan loss allowance to noncurrent loans | 1,103.5398% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.0925% | 4,165 |
| Noncurrent loans to loans | 0.0818% | 4,195 |
| Net loans and leases to total assets | 62.9919% | 3,314 |
| Net loans and leases to deposits | 69.5547% | 3,707 |
| Net loans and leases to core deposits | 75.9994% | 3,575 |
| Total domestic deposits to total assets | 90.5646% | 186 |
| Equity capital to assets | 9.3452% | 4,462 |
| Core capital (leverage) ratio | 9.1432% | 4,410 |
| Tier 1 risk-based capital ratio | 14.5262% | 3,003 |
| Total risk-based capital ratio | 15.4445% | 3,080 |
| Memoranda: | ||
| Average total assets | $212,704,800 | 2,733 |
| Average earning assets | $201,051,400 | 2,702 |
| Average equity | $18,491,600 | 3,280 |
| Average total loans | $131,376,600 | 2,810 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7770% | 2,191 |
| Cost of funding earning assets | 0.3535% | 4,645 |
| Net interest margin | 4.4235% | 898 |
| Noninterest income to average assets | 0.8118% | 1,385 |
| Noninterest expense to average assets | 3.0063% | 1,961 |
| Loan and lease loss provision to assets | 0.1922% | 928 |
| Net operating income to assets | 1.8013% | 617 |
| Return on assets (ROA) | 1.8013% | 649 |
| Pretax return on assets | 1.8013% | 1,087 |
| Return on Equity (ROE) | 21.1261% | 196 |
| Retained earnings to average equity (ytd only) | 5.5957% | 2,576 |
| Net charge-offs to loans | 0.1203% | 1,297 |
| Credit loss provision to net charge-offs | 260.6838% | 1,052 |
| Earnings coverage of net charge-offs (x) | 27.0335% | 1,725 |
| Efficiency ratio | 60.1286% | 3,623 |
| Assets per employee ($millions) | 3.0096% | 4,885 |
| Cash dividends to net income (ytd only)* | 73.5129% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9392% | 3,877 |
| Loan loss allowance to noncurrent loans | 656.2500% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.0899% | 4,269 |
| Noncurrent loans to loans | 0.1431% | 4,029 |
| Net loans and leases to total assets | 62.1951% | 3,475 |
| Net loans and leases to deposits | 68.4901% | 3,886 |
| Net loans and leases to core deposits | 75.5312% | 3,728 |
| Total domestic deposits to total assets | 90.8089% | 122 |
| Equity capital to assets | 9.0643% | 4,748 |
| Core capital (leverage) ratio | 9.1390% | 4,523 |
| Tier 1 risk-based capital ratio | 14.5588% | 3,044 |
| Total risk-based capital ratio | 15.5120% | 3,095 |
| Memoranda: | ||
| Average total assets | $211,551,000 | 2,756 |
| Average earning assets | $200,289,750 | 2,730 |
| Average equity | $18,037,250 | 3,356 |
| Average total loans | $129,685,500 | 2,861 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7575% | 2,200 |
| Cost of funding earning assets | 0.3516% | 4,672 |
| Net interest margin | 4.4059% | 931 |
| Noninterest income to average assets | 0.8139% | 1,304 |
| Noninterest expense to average assets | 3.0250% | 1,932 |
| Loan and lease loss provision to assets | 0.2229% | 739 |
| Net operating income to assets | 1.7378% | 674 |
| Return on assets (ROA) | 1.7378% | 705 |
| Pretax return on assets | 1.7378% | 1,193 |
| Return on Equity (ROE) | 20.8261% | 211 |
| Retained earnings to average equity (ytd only) | 4.4790% | 3,026 |
| Net charge-offs to loans | 0.1576% | 1,001 |
| Credit loss provision to net charge-offs | 232.6733% | 1,084 |
| Earnings coverage of net charge-offs (x) | 20.4653% | 1,774 |
| Efficiency ratio | 60.6735% | 3,632 |
| Assets per employee ($millions) | 3.3927% | 4,616 |
| Cash dividends to net income (ytd only)* | 78.4934% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9352% | 3,941 |
| Loan loss allowance to noncurrent loans | 528.9474% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.1067% | 4,224 |
| Noncurrent loans to loans | 0.1768% | 3,924 |
| Net loans and leases to total assets | 59.7672% | 3,758 |
| Net loans and leases to deposits | 65.6025% | 4,122 |
| Net loans and leases to core deposits | 71.9547% | 4,006 |
| Total domestic deposits to total assets | 91.1051% | 91 |
| Equity capital to assets | 8.7971% | 4,902 |
| Core capital (leverage) ratio | 8.9676% | 4,648 |
| Tier 1 risk-based capital ratio | 14.3387% | 3,148 |
| Total risk-based capital ratio | 15.2549% | 3,230 |
| Memoranda: | ||
| Average total assets | $210,840,000 | 2,778 |
| Average earning assets | $199,642,000 | 2,745 |
| Average equity | $17,593,330 | 3,405 |
| Average total loans | $128,193,670 | 2,892 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6330% | 2,435 |
| Cost of funding earning assets | 0.3673% | 4,614 |
| Net interest margin | 4.2658% | 1,159 |
| Noninterest income to average assets | 0.8023% | 1,296 |
| Noninterest expense to average assets | 3.0412% | 1,873 |
| Loan and lease loss provision to assets | 0.1433% | 1,193 |
| Net operating income to assets | 1.6562% | 801 |
| Return on assets (ROA) | 1.6562% | 829 |
| Pretax return on assets | 1.6562% | 1,319 |
| Return on Equity (ROE) | 20.4138% | 244 |
| Retained earnings to average equity (ytd only) | 6.9459% | 2,062 |
| Net charge-offs to loans | -0.0219% | 4,521 |
| Credit loss provision to net charge-offs | -1,071.4286% | 3,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8256% | 3,403 |
| Assets per employee ($millions) | 3.3194% | 4,725 |
| Cash dividends to net income (ytd only)* | 65.9746% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8980% | 4,165 |
| Loan loss allowance to noncurrent loans | 716.7702% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 4,437 |
| Noncurrent loans to loans | 0.1253% | 4,175 |
| Net loans and leases to total assets | 59.9445% | 3,714 |
| Net loans and leases to deposits | 65.4174% | 4,100 |
| Net loans and leases to core deposits | 71.7834% | 3,957 |
| Total domestic deposits to total assets | 91.6340% | 84 |
| Equity capital to assets | 8.2916% | 5,088 |
| Core capital (leverage) ratio | 9.0486% | 4,621 |
| Tier 1 risk-based capital ratio | 14.3390% | 3,177 |
| Total risk-based capital ratio | 15.2209% | 3,268 |
| Memoranda: | ||
| Average total assets | $209,389,500 | 2,813 |
| Average earning assets | $198,228,500 | 2,784 |
| Average equity | $16,988,500 | 3,476 |
| Average total loans | $127,814,000 | 2,929 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3785% | 2,830 |
| Cost of funding earning assets | 0.2410% | 4,841 |
| Net interest margin | 4.1375% | 1,568 |
| Noninterest income to average assets | 0.7852% | 1,499 |
| Noninterest expense to average assets | 2.9486% | 2,194 |
| Loan and lease loss provision to assets | 0.0608% | 2,942 |
| Net operating income to assets | 1.7065% | 684 |
| Return on assets (ROA) | 1.7065% | 670 |
| Pretax return on assets | 1.7065% | 1,153 |
| Return on Equity (ROE) | 22.0079% | 156 |
| Retained earnings to average equity (ytd only) | 5.4800% | 2,491 |
| Net charge-offs to loans | 0.0287% | 2,829 |
| Credit loss provision to net charge-offs | 357.1429% | 894 |
| Earnings coverage of net charge-offs (x) | 103.8571% | 725 |
| Efficiency ratio | 62.5258% | 3,430 |
| Assets per employee ($millions) | 3.2752% | 4,764 |
| Cash dividends to net income (ytd only)* | 75.0997% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8433% | 4,378 |
| Loan loss allowance to noncurrent loans | 824.6154% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 4,519 |
| Noncurrent loans to loans | 0.1023% | 4,273 |
| Net loans and leases to total assets | 61.0916% | 3,657 |
| Net loans and leases to deposits | 68.3824% | 3,948 |
| Net loans and leases to core deposits | 75.1278% | 3,778 |
| Total domestic deposits to total assets | 89.3383% | 720 |
| Equity capital to assets | 7.9298% | 5,187 |
| Core capital (leverage) ratio | 9.0131% | 4,642 |
| Tier 1 risk-based capital ratio | 14.6098% | 3,019 |
| Total risk-based capital ratio | 15.4586% | 3,125 |
| Memoranda: | ||
| Average total assets | $205,689,600 | 2,806 |
| Average earning assets | $195,407,800 | 2,758 |
| Average equity | $15,948,800 | 3,516 |
| Average total loans | $121,867,800 | 2,971 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3041% | 2,952 |
| Cost of funding earning assets | 0.2199% | 4,943 |
| Net interest margin | 4.0842% | 1,675 |
| Noninterest income to average assets | 0.7999% | 1,475 |
| Noninterest expense to average assets | 2.8647% | 2,418 |
| Loan and lease loss provision to assets | 0.0649% | 2,672 |
| Net operating income to assets | 1.7502% | 664 |
| Return on assets (ROA) | 1.7502% | 669 |
| Pretax return on assets | 1.7502% | 1,141 |
| Return on Equity (ROE) | 22.7020% | 145 |
| Retained earnings to average equity (ytd only) | 6.2266% | 2,539 |
| Net charge-offs to loans | 0.0276% | 2,554 |
| Credit loss provision to net charge-offs | 400.0000% | 820 |
| Earnings coverage of net charge-offs (x) | 111.9283% | 691 |
| Efficiency ratio | 61.2143% | 3,631 |
| Assets per employee ($millions) | 3.2471% | 4,838 |
| Cash dividends to net income (ytd only)* | 72.5723% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8526% | 4,450 |
| Loan loss allowance to noncurrent loans | 777.2059% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.0870% | 4,538 |
| Noncurrent loans to loans | 0.1097% | 4,397 |
| Net loans and leases to total assets | 60.0872% | 3,833 |
| Net loans and leases to deposits | 65.2123% | 4,257 |
| Net loans and leases to core deposits | 71.7786% | 4,096 |
| Total domestic deposits to total assets | 92.1409% | 72 |
| Equity capital to assets | 7.7540% | 5,253 |
| Core capital (leverage) ratio | 9.0335% | 4,674 |
| Tier 1 risk-based capital ratio | 14.6517% | 3,044 |
| Total risk-based capital ratio | 15.4965% | 3,165 |
| Memoranda: | ||
| Average total assets | $205,528,000 | 2,833 |
| Average earning assets | $195,251,500 | 2,781 |
| Average equity | $15,845,500 | 3,552 |
| Average total loans | $120,553,250 | 3,014 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2250% | 3,035 |
| Cost of funding earning assets | 0.2168% | 4,939 |
| Net interest margin | 4.0082% | 1,831 |
| Noninterest income to average assets | 0.8064% | 1,456 |
| Noninterest expense to average assets | 2.8691% | 2,441 |
| Loan and lease loss provision to assets | 0.0486% | 2,943 |
| Net operating income to assets | 1.6974% | 722 |
| Return on assets (ROA) | 1.6974% | 731 |
| Pretax return on assets | 1.6974% | 1,218 |
| Return on Equity (ROE) | 22.0581% | 163 |
| Retained earnings to average equity (ytd only) | 4.5328% | 3,328 |
| Net charge-offs to loans | 0.0335% | 2,180 |
| Credit loss provision to net charge-offs | 250.0000% | 1,136 |
| Earnings coverage of net charge-offs (x) | 89.8500% | 750 |
| Efficiency ratio | 62.1684% | 3,601 |
| Assets per employee ($millions) | 3.3208% | 4,795 |
| Cash dividends to net income (ytd only)* | 79.4505% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8406% | 4,576 |
| Loan loss allowance to noncurrent loans | 722.8571% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.1104% | 4,442 |
| Noncurrent loans to loans | 0.1163% | 4,385 |
| Net loans and leases to total assets | 57.0600% | 4,078 |
| Net loans and leases to deposits | 61.6528% | 4,441 |
| Net loans and leases to core deposits | 65.6652% | 4,386 |
| Total domestic deposits to total assets | 92.5505% | 48 |
| Equity capital to assets | 7.3716% | 5,402 |
| Core capital (leverage) ratio | 8.7396% | 4,936 |
| Tier 1 risk-based capital ratio | 14.3853% | 3,163 |
| Total risk-based capital ratio | 15.1966% | 3,306 |
| Memoranda: | ||
| Average total assets | $205,848,670 | 2,847 |
| Average earning assets | $195,598,670 | 2,794 |
| Average equity | $15,840,000 | 3,576 |
| Average total loans | $119,412,670 | 3,042 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1206% | 3,161 |
| Cost of funding earning assets | 0.2225% | 4,879 |
| Net interest margin | 3.8981% | 2,054 |
| Noninterest income to average assets | 0.8346% | 1,352 |
| Noninterest expense to average assets | 2.9956% | 2,074 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5458% | 963 |
| Return on assets (ROA) | 1.5458% | 970 |
| Pretax return on assets | 1.5458% | 1,541 |
| Return on Equity (ROE) | 19.6648% | 267 |
| Retained earnings to average equity (ytd only) | 4.6109% | 3,356 |
| Net charge-offs to loans | 0.0101% | 2,387 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 263.0000% | 260 |
| Efficiency ratio | 65.9620% | 3,163 |
| Assets per employee ($millions) | 3.2546% | 4,952 |
| Cash dividends to net income (ytd only)* | 76.5526% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8161% | 4,743 |
| Loan loss allowance to noncurrent loans | 491.9598% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.1502% | 4,329 |
| Noncurrent loans to loans | 0.1659% | 4,230 |
| Net loans and leases to total assets | 58.0255% | 3,938 |
| Net loans and leases to deposits | 62.8357% | 4,283 |
| Net loans and leases to core deposits | 67.5154% | 4,239 |
| Total domestic deposits to total assets | 92.3449% | 74 |
| Equity capital to assets | 7.5761% | 5,395 |
| Core capital (leverage) ratio | 8.8913% | 4,809 |
| Tier 1 risk-based capital ratio | 14.4122% | 3,163 |
| Total risk-based capital ratio | 15.2073% | 3,316 |
| Memoranda: | ||
| Average total assets | $204,169,000 | 2,896 |
| Average earning assets | $194,146,000 | 2,835 |
| Average equity | $16,049,000 | 3,585 |
| Average total loans | $118,926,000 | 3,079 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0096% | 3,374 |
| Cost of funding earning assets | 0.2095% | 4,871 |
| Net interest margin | 3.8001% | 2,428 |
| Noninterest income to average assets | 0.8116% | 1,524 |
| Noninterest expense to average assets | 3.0061% | 2,157 |
| Loan and lease loss provision to assets | 0.0191% | 3,922 |
| Net operating income to assets | 1.3894% | 1,043 |
| Return on assets (ROA) | 1.3894% | 1,062 |
| Pretax return on assets | 1.3894% | 2,029 |
| Return on Equity (ROE) | 17.6028% | 336 |
| Retained earnings to average equity (ytd only) | 0.8992% | 4,669 |
| Net charge-offs to loans | 0.0444% | 2,899 |
| Credit loss provision to net charge-offs | 75.4717% | 3,007 |
| Earnings coverage of net charge-offs (x) | 55.7925% | 1,007 |
| Efficiency ratio | 68.0945% | 2,879 |
| Assets per employee ($millions) | 3.1765% | 5,054 |
| Cash dividends to net income (ytd only)* | 94.8920% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8329% | 4,726 |
| Loan loss allowance to noncurrent loans | 405.7851% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 4,266 |
| Noncurrent loans to loans | 0.2053% | 4,091 |
| Net loans and leases to total assets | 57.5094% | 4,058 |
| Net loans and leases to deposits | 62.7410% | 4,387 |
| Net loans and leases to core deposits | 67.4155% | 4,334 |
| Total domestic deposits to total assets | 91.6615% | 114 |
| Equity capital to assets | 8.1476% | 5,331 |
| Core capital (leverage) ratio | 8.4783% | 5,156 |
| Tier 1 risk-based capital ratio | 14.4367% | 3,118 |
| Total risk-based capital ratio | 15.2438% | 3,269 |
| Memoranda: | ||
| Average total assets | $209,943,000 | 2,824 |
| Average earning assets | $199,046,000 | 2,776 |
| Average equity | $16,571,200 | 3,529 |
| Average total loans | $119,464,200 | 3,067 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9415% | 3,545 |
| Cost of funding earning assets | 0.2081% | 4,904 |
| Net interest margin | 3.7334% | 2,644 |
| Noninterest income to average assets | 0.7838% | 1,641 |
| Noninterest expense to average assets | 2.9646% | 2,205 |
| Loan and lease loss provision to assets | 0.0252% | 3,634 |
| Net operating income to assets | 1.3326% | 1,244 |
| Return on assets (ROA) | 1.3326% | 1,270 |
| Pretax return on assets | 1.3326% | 2,351 |
| Return on Equity (ROE) | 17.0152% | 416 |
| Retained earnings to average equity (ytd only) | 0.0402% | 5,199 |
| Net charge-offs to loans | 0.0311% | 2,806 |
| Credit loss provision to net charge-offs | 142.8571% | 1,748 |
| Earnings coverage of net charge-offs (x) | 76.9692% | 835 |
| Efficiency ratio | 68.5860% | 2,770 |
| Assets per employee ($millions) | 3.3584% | 4,903 |
| Cash dividends to net income (ytd only)* | 99.7635% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8471% | 4,768 |
| Loan loss allowance to noncurrent loans | 393.3594% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.1753% | 4,403 |
| Noncurrent loans to loans | 0.2153% | 4,203 |
| Net loans and leases to total assets | 56.6085% | 4,186 |
| Net loans and leases to deposits | 61.7545% | 4,530 |
| Net loans and leases to core deposits | 66.9271% | 4,427 |
| Total domestic deposits to total assets | 91.6671% | 87 |
| Equity capital to assets | 8.2407% | 5,425 |
| Core capital (leverage) ratio | 8.5617% | 5,196 |
| Tier 1 risk-based capital ratio | 14.3114% | 3,290 |
| Total risk-based capital ratio | 15.1382% | 3,425 |
| Memoranda: | ||
| Average total assets | $211,604,000 | 2,826 |
| Average earning assets | $200,563,000 | 2,788 |
| Average equity | $16,573,000 | 3,562 |
| Average total loans | $119,855,750 | 3,086 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9208% | 3,483 |
| Cost of funding earning assets | 0.2076% | 4,908 |
| Net interest margin | 3.7132% | 2,606 |
| Noninterest income to average assets | 0.7954% | 1,585 |
| Noninterest expense to average assets | 2.8788% | 2,492 |
| Loan and lease loss provision to assets | 0.0376% | 3,260 |
| Net operating income to assets | 1.3933% | 1,088 |
| Return on assets (ROA) | 1.3933% | 1,111 |
| Pretax return on assets | 1.3933% | 2,050 |
| Return on Equity (ROE) | 18.0978% | 326 |
| Retained earnings to average equity (ytd only) | -0.2931% | 5,121 |
| Net charge-offs to loans | 0.0233% | 2,761 |
| Credit loss provision to net charge-offs | 285.7143% | 989 |
| Earnings coverage of net charge-offs (x) | 108.7143% | 616 |
| Efficiency ratio | 66.7976% | 3,209 |
| Assets per employee ($millions) | 3.2987% | 4,987 |
| Cash dividends to net income (ytd only)* | 101.6194% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8669% | 4,762 |
| Loan loss allowance to noncurrent loans | 363.3452% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.3306% | 3,806 |
| Noncurrent loans to loans | 0.2386% | 4,173 |
| Net loans and leases to total assets | 56.1819% | 4,210 |
| Net loans and leases to deposits | 61.2154% | 4,549 |
| Net loans and leases to core deposits | 65.7764% | 4,483 |
| Total domestic deposits to total assets | 91.7773% | 93 |
| Equity capital to assets | 8.1529% | 5,467 |
| Core capital (leverage) ratio | 8.3046% | 5,351 |
| Tier 1 risk-based capital ratio | 14.4679% | 3,183 |
| Total risk-based capital ratio | 15.3156% | 3,319 |
| Memoranda: | ||
| Average total assets | $212,731,000 | 2,826 |
| Average earning assets | $201,337,330 | 2,795 |
| Average equity | $16,377,670 | 3,592 |
| Average total loans | $120,181,330 | 3,091 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8591% | 3,554 |
| Cost of funding earning assets | 0.2068% | 4,914 |
| Net interest margin | 3.6523% | 2,687 |
| Noninterest income to average assets | 0.7603% | 1,706 |
| Noninterest expense to average assets | 2.7399% | 2,991 |
| Loan and lease loss provision to assets | 0.0744% | 2,317 |
| Net operating income to assets | 1.3923% | 1,014 |
| Return on assets (ROA) | 1.3923% | 1,047 |
| Pretax return on assets | 1.3923% | 1,917 |
| Return on Equity (ROE) | 18.6145% | 302 |
| Retained earnings to average equity (ytd only) | 4.7717% | 3,025 |
| Net charge-offs to loans | 0.0198% | 2,393 |
| Credit loss provision to net charge-offs | 666.6667% | 475 |
| Earnings coverage of net charge-offs (x) | 131.5000% | 417 |
| Efficiency ratio | 65.1348% | 3,642 |
| Assets per employee ($millions) | 3.5296% | 4,750 |
| Cash dividends to net income (ytd only)* | 74.3658% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8423% | 4,950 |
| Loan loss allowance to noncurrent loans | 445.4545% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.2920% | 4,036 |
| Noncurrent loans to loans | 0.1891% | 4,449 |
| Net loans and leases to total assets | 55.3555% | 4,219 |
| Net loans and leases to deposits | 61.4255% | 4,469 |
| Net loans and leases to core deposits | 65.7779% | 4,442 |
| Total domestic deposits to total assets | 90.1180% | 610 |
| Equity capital to assets | 7.5373% | 5,670 |
| Core capital (leverage) ratio | 8.4166% | 5,283 |
| Tier 1 risk-based capital ratio | 14.0692% | 3,432 |
| Total risk-based capital ratio | 14.8908% | 3,597 |
| Memoranda: | ||
| Average total assets | $215,188,500 | 2,834 |
| Average earning assets | $203,050,000 | 2,800 |
| Average equity | $16,095,000 | 3,653 |
| Average total loans | $121,384,000 | 3,090 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7527% | 4,046 |
| Cost of funding earning assets | 0.2064% | 4,955 |
| Net interest margin | 3.5462% | 3,265 |
| Noninterest income to average assets | 0.8030% | 1,739 |
| Noninterest expense to average assets | 2.7806% | 3,088 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3739% | 1,055 |
| Return on assets (ROA) | 1.4076% | 1,015 |
| Pretax return on assets | 1.4076% | 1,915 |
| Return on Equity (ROE) | 17.2949% | 376 |
| Retained earnings to average equity (ytd only) | 1.4383% | 4,688 |
| Net charge-offs to loans | 0.0194% | 3,668 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 135.8095% | 462 |
| Efficiency ratio | 66.9295% | 3,451 |
| Assets per employee ($millions) | 3.4679% | 4,808 |
| Cash dividends to net income (ytd only)* | 91.6838% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8250% | 5,035 |
| Loan loss allowance to noncurrent loans | 393.2806% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.3125% | 4,025 |
| Noncurrent loans to loans | 0.2098% | 4,403 |
| Net loans and leases to total assets | 56.5405% | 4,213 |
| Net loans and leases to deposits | 62.4973% | 4,509 |
| Net loans and leases to core deposits | 66.5587% | 4,490 |
| Total domestic deposits to total assets | 90.4686% | 458 |
| Equity capital to assets | 7.4197% | 5,727 |
| Core capital (leverage) ratio | 8.2810% | 5,449 |
| Tier 1 risk-based capital ratio | 14.2084% | 3,343 |
| Total risk-based capital ratio | 15.0198% | 3,504 |
| Memoranda: | ||
| Average total assets | $207,584,000 | 2,884 |
| Average earning assets | $196,179,400 | 2,837 |
| Average equity | $16,895,200 | 3,564 |
| Average total loans | $108,084,200 | 3,238 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7323% | 4,139 |
| Cost of funding earning assets | 0.2069% | 4,999 |
| Net interest margin | 3.5254% | 3,371 |
| Noninterest income to average assets | 0.7919% | 1,795 |
| Noninterest expense to average assets | 2.7919% | 3,038 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3320% | 1,204 |
| Return on assets (ROA) | 1.3766% | 1,179 |
| Pretax return on assets | 1.3766% | 2,137 |
| Return on Equity (ROE) | 16.5393% | 488 |
| Retained earnings to average equity (ytd only) | -4.2337% | 5,703 |
| Net charge-offs to loans | 0.0127% | 3,507 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 206.4464% | 360 |
| Efficiency ratio | 67.6995% | 3,281 |
| Assets per employee ($millions) | 3.2241% | 5,137 |
| Cash dividends to net income (ytd only)* | 125.5977% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9356% | 4,727 |
| Loan loss allowance to noncurrent loans | 493.1373% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.2920% | 4,258 |
| Noncurrent loans to loans | 0.1897% | 4,586 |
| Net loans and leases to total assets | 50.8269% | 4,755 |
| Net loans and leases to deposits | 55.8910% | 5,004 |
| Net loans and leases to core deposits | 59.4413% | 4,967 |
| Total domestic deposits to total assets | 90.9395% | 205 |
| Equity capital to assets | 8.2579% | 5,645 |
| Core capital (leverage) ratio | 8.2614% | 5,528 |
| Tier 1 risk-based capital ratio | 14.5348% | 3,272 |
| Total risk-based capital ratio | 15.4128% | 3,402 |
| Memoranda: | ||
| Average total assets | $206,594,000 | 2,904 |
| Average earning assets | $195,261,750 | 2,856 |
| Average equity | $17,195,000 | 3,557 |
| Average total loans | $104,954,500 | 3,310 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7160% | 4,245 |
| Cost of funding earning assets | 0.2108% | 5,035 |
| Net interest margin | 3.5052% | 3,474 |
| Noninterest income to average assets | 0.7685% | 1,855 |
| Noninterest expense to average assets | 2.8025% | 3,018 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2821% | 1,330 |
| Return on assets (ROA) | 1.3122% | 1,336 |
| Pretax return on assets | 1.3122% | 2,359 |
| Return on Equity (ROE) | 15.7244% | 572 |
| Retained earnings to average equity (ytd only) | -3.6718% | 5,683 |
| Net charge-offs to loans | 0.0134% | 3,274 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 188.2857% | 350 |
| Efficiency ratio | 68.6116% | 3,224 |
| Assets per employee ($millions) | 3.2997% | 5,063 |
| Cash dividends to net income (ytd only)* | 123.3506% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9599% | 4,720 |
| Loan loss allowance to noncurrent loans | 173.6661% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.3373% | 4,142 |
| Noncurrent loans to loans | 0.5527% | 3,408 |
| Net loans and leases to total assets | 50.8872% | 4,774 |
| Net loans and leases to deposits | 55.7324% | 5,035 |
| Net loans and leases to core deposits | 59.9146% | 4,986 |
| Total domestic deposits to total assets | 91.3063% | 137 |
| Equity capital to assets | 8.6004% | 5,533 |
| Core capital (leverage) ratio | 8.4363% | 5,413 |
| Tier 1 risk-based capital ratio | 15.1511% | 3,005 |
| Total risk-based capital ratio | 16.0559% | 3,102 |
| Memoranda: | ||
| Average total assets | $205,602,670 | 2,925 |
| Average earning assets | $194,511,330 | 2,874 |
| Average equity | $17,158,000 | 3,567 |
| Average total loans | $104,098,330 | 3,338 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7013% | 4,320 |
| Cost of funding earning assets | 0.2176% | 5,030 |
| Net interest margin | 3.4837% | 3,544 |
| Noninterest income to average assets | 0.7142% | 1,965 |
| Noninterest expense to average assets | 2.8819% | 2,767 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1256% | 1,811 |
| Return on assets (ROA) | 1.1683% | 1,757 |
| Pretax return on assets | 1.1683% | 2,822 |
| Return on Equity (ROE) | 14.2153% | 800 |
| Retained earnings to average equity (ytd only) | 2.8808% | 4,075 |
| Net charge-offs to loans | 0.0270% | 2,399 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 82.8571% | 619 |
| Efficiency ratio | 71.9128% | 2,809 |
| Assets per employee ($millions) | 3.1983% | 5,284 |
| Cash dividends to net income (ytd only)* | 79.7342% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9771% | 4,724 |
| Loan loss allowance to noncurrent loans | 155.2308% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.3881% | 4,035 |
| Noncurrent loans to loans | 0.6295% | 3,282 |
| Net loans and leases to total assets | 50.7474% | 4,743 |
| Net loans and leases to deposits | 55.5716% | 5,010 |
| Net loans and leases to core deposits | 59.7561% | 4,956 |
| Total domestic deposits to total assets | 91.3189% | 194 |
| Equity capital to assets | 8.5962% | 5,497 |
| Core capital (leverage) ratio | 8.6833% | 5,196 |
| Tier 1 risk-based capital ratio | 16.0228% | 2,671 |
| Total risk-based capital ratio | 16.9568% | 2,754 |
| Memoranda: | ||
| Average total assets | $206,112,000 | 2,928 |
| Average earning assets | $194,849,000 | 2,876 |
| Average equity | $16,939,500 | 3,602 |
| Average total loans | $103,589,500 | 3,364 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7963% | 4,052 |
| Cost of funding earning assets | 0.2143% | 5,144 |
| Net interest margin | 3.5821% | 3,200 |
| Noninterest income to average assets | 0.8576% | 1,582 |
| Noninterest expense to average assets | 2.8386% | 3,078 |
| Loan and lease loss provision to assets | 0.0025% | 4,336 |
| Net operating income to assets | 1.3884% | 1,056 |
| Return on assets (ROA) | 1.4083% | 1,067 |
| Pretax return on assets | 1.4083% | 1,866 |
| Return on Equity (ROE) | 17.2147% | 435 |
| Retained earnings to average equity (ytd only) | 3.2384% | 3,748 |
| Net charge-offs to loans | 0.0038% | 4,319 |
| Credit loss provision to net charge-offs | 125.0000% | 2,074 |
| Earnings coverage of net charge-offs (x) | 698.2500% | 93 |
| Efficiency ratio | 67.1141% | 3,726 |
| Assets per employee ($millions) | 3.3988% | 4,980 |
| Cash dividends to net income (ytd only)* | 81.1881% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9777% | 4,725 |
| Loan loss allowance to noncurrent loans | 183.0631% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.3554% | 4,165 |
| Noncurrent loans to loans | 0.5341% | 3,564 |
| Net loans and leases to total assets | 48.8307% | 4,951 |
| Net loans and leases to deposits | 54.4347% | 5,137 |
| Net loans and leases to core deposits | 58.3191% | 5,088 |
| Total domestic deposits to total assets | 89.7052% | 749 |
| Equity capital to assets | 7.8575% | 5,902 |
| Core capital (leverage) ratio | 8.2158% | 5,684 |
| Tier 1 risk-based capital ratio | 15.5241% | 2,916 |
| Total risk-based capital ratio | 16.4406% | 3,020 |
| Memoranda: | ||
| Average total assets | $200,804,000 | 2,943 |
| Average earning assets | $189,024,000 | 2,903 |
| Average equity | $16,427,800 | 3,613 |
| Average total loans | $104,630,800 | 3,309 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8217% | 4,020 |
| Cost of funding earning assets | 0.2116% | 5,272 |
| Net interest margin | 3.6101% | 3,121 |
| Noninterest income to average assets | 0.8242% | 1,710 |
| Noninterest expense to average assets | 2.8639% | 2,961 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3547% | 1,216 |
| Return on assets (ROA) | 1.3809% | 1,208 |
| Pretax return on assets | 1.3809% | 2,094 |
| Return on Equity (ROE) | 16.7036% | 502 |
| Retained earnings to average equity (ytd only) | -1.9680% | 5,852 |
| Net charge-offs to loans | 0.0204% | 3,534 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 125.9541% | 518 |
| Efficiency ratio | 67.8884% | 3,567 |
| Assets per employee ($millions) | 3.2024% | 5,282 |
| Cash dividends to net income (ytd only)* | 111.7819% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9290% | 5,074 |
| Loan loss allowance to noncurrent loans | 287.0690% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.2637% | 4,715 |
| Noncurrent loans to loans | 0.3236% | 4,446 |
| Net loans and leases to total assets | 51.1828% | 4,834 |
| Net loans and leases to deposits | 55.5529% | 5,150 |
| Net loans and leases to core deposits | 59.3018% | 5,113 |
| Total domestic deposits to total assets | 92.1334% | 89 |
| Equity capital to assets | 7.7729% | 6,026 |
| Core capital (leverage) ratio | 8.2168% | 5,764 |
| Tier 1 risk-based capital ratio | 14.6246% | 3,484 |
| Total risk-based capital ratio | 15.5184% | 3,618 |
| Memoranda: | ||
| Average total assets | $198,323,000 | 2,991 |
| Average earning assets | $186,472,750 | 2,948 |
| Average equity | $16,395,250 | 3,643 |
| Average total loans | $104,809,500 | 3,325 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8489% | 3,879 |
| Cost of funding earning assets | 0.2109% | 5,341 |
| Net interest margin | 3.6380% | 2,949 |
| Noninterest income to average assets | 0.8480% | 1,609 |
| Noninterest expense to average assets | 2.9142% | 2,847 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3474% | 1,198 |
| Return on assets (ROA) | 1.3812% | 1,169 |
| Pretax return on assets | 1.3812% | 2,062 |
| Return on Equity (ROE) | 16.3600% | 565 |
| Retained earnings to average equity (ytd only) | -0.7409% | 5,651 |
| Net charge-offs to loans | 0.0212% | 3,251 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 119.4545% | 528 |
| Efficiency ratio | 68.3831% | 3,615 |
| Assets per employee ($millions) | 3.5175% | 4,753 |
| Cash dividends to net income (ytd only)* | 104.5286% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9420% | 5,129 |
| Loan loss allowance to noncurrent loans | 251.0000% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.3171% | 4,609 |
| Noncurrent loans to loans | 0.3753% | 4,362 |
| Net loans and leases to total assets | 51.7482% | 4,778 |
| Net loans and leases to deposits | 56.2476% | 5,109 |
| Net loans and leases to core deposits | 59.8736% | 5,079 |
| Total domestic deposits to total assets | 92.0006% | 120 |
| Equity capital to assets | 7.9019% | 6,021 |
| Core capital (leverage) ratio | 8.5379% | 5,499 |
| Tier 1 risk-based capital ratio | 14.4563% | 3,660 |
| Total risk-based capital ratio | 15.3347% | 3,803 |
| Memoranda: | ||
| Average total assets | $195,044,670 | 3,043 |
| Average earning assets | $183,014,000 | 3,016 |
| Average equity | $16,467,000 | 3,648 |
| Average total loans | $103,899,330 | 3,358 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9612% | 3,376 |
| Cost of funding earning assets | 0.2068% | 5,448 |
| Net interest margin | 3.7543% | 2,415 |
| Noninterest income to average assets | 0.8648% | 1,518 |
| Noninterest expense to average assets | 2.9891% | 2,623 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3812% | 1,065 |
| Return on assets (ROA) | 1.3896% | 1,101 |
| Pretax return on assets | 1.3896% | 1,925 |
| Return on Equity (ROE) | 15.9135% | 579 |
| Retained earnings to average equity (ytd only) | 3.2933% | 4,009 |
| Net charge-offs to loans | -0.0078% | 4,624 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3958% | 3,758 |
| Assets per employee ($millions) | 3.2114% | 5,392 |
| Cash dividends to net income (ytd only)* | 79.3051% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9924% | 5,074 |
| Loan loss allowance to noncurrent loans | 258.7786% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.3814% | 4,493 |
| Noncurrent loans to loans | 0.3835% | 4,444 |
| Net loans and leases to total assets | 52.6556% | 4,594 |
| Net loans and leases to deposits | 57.7376% | 4,936 |
| Net loans and leases to core deposits | 60.5753% | 4,947 |
| Total domestic deposits to total assets | 91.1981% | 295 |
| Equity capital to assets | 8.7111% | 5,565 |
| Core capital (leverage) ratio | 9.1692% | 4,760 |
| Tier 1 risk-based capital ratio | 15.6289% | 3,091 |
| Total risk-based capital ratio | 16.5793% | 3,174 |
| Memoranda: | ||
| Average total assets | $190,559,500 | 3,115 |
| Average earning assets | $177,927,000 | 3,086 |
| Average equity | $16,640,000 | 3,639 |
| Average total loans | $102,560,000 | 3,405 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0990% | 3,333 |
| Cost of funding earning assets | 0.2114% | 5,656 |
| Net interest margin | 3.8876% | 2,288 |
| Noninterest income to average assets | 1.0154% | 1,183 |
| Noninterest expense to average assets | 3.1111% | 2,482 |
| Loan and lease loss provision to assets | 0.0096% | 4,433 |
| Net operating income to assets | 1.5348% | 821 |
| Return on assets (ROA) | 1.5630% | 801 |
| Pretax return on assets | 1.5630% | 1,344 |
| Return on Equity (ROE) | 18.6386% | 345 |
| Retained earnings to average equity (ytd only) | 1.6690% | 4,978 |
| Net charge-offs to loans | 0.0419% | 3,983 |
| Credit loss provision to net charge-offs | 41.8605% | 3,639 |
| Earnings coverage of net charge-offs (x) | 67.4884% | 728 |
| Efficiency ratio | 66.8267% | 4,088 |
| Assets per employee ($millions) | 3.0891% | 5,576 |
| Cash dividends to net income (ytd only)* | 91.0453% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9889% | 5,119 |
| Loan loss allowance to noncurrent loans | 262.9534% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.3986% | 4,497 |
| Noncurrent loans to loans | 0.3761% | 4,516 |
| Net loans and leases to total assets | 53.9332% | 4,589 |
| Net loans and leases to deposits | 59.1603% | 4,967 |
| Net loans and leases to core deposits | 62.2274% | 4,985 |
| Total domestic deposits to total assets | 91.1645% | 315 |
| Equity capital to assets | 8.7538% | 5,531 |
| Core capital (leverage) ratio | 8.9866% | 5,018 |
| Tier 1 risk-based capital ratio | 15.8154% | 3,048 |
| Total risk-based capital ratio | 16.7822% | 3,147 |
| Memoranda: | ||
| Average total assets | $187,908,600 | 3,127 |
| Average earning assets | $175,945,600 | 3,089 |
| Average equity | $15,757,600 | 3,715 |
| Average total loans | $102,576,800 | 3,363 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1085% | 3,341 |
| Cost of funding earning assets | 0.2085% | 5,759 |
| Net interest margin | 3.9001% | 2,246 |
| Noninterest income to average assets | 1.0005% | 1,226 |
| Noninterest expense to average assets | 3.1355% | 2,364 |
| Loan and lease loss provision to assets | 0.0071% | 4,277 |
| Net operating income to assets | 1.5110% | 915 |
| Return on assets (ROA) | 1.5479% | 879 |
| Pretax return on assets | 1.5479% | 1,489 |
| Return on Equity (ROE) | 18.6640% | 382 |
| Retained earnings to average equity (ytd only) | 1.2928% | 5,378 |
| Net charge-offs to loans | 0.0299% | 3,890 |
| Credit loss provision to net charge-offs | 43.4783% | 3,228 |
| Earnings coverage of net charge-offs (x) | 92.9442% | 622 |
| Efficiency ratio | 67.3787% | 3,968 |
| Assets per employee ($millions) | 2.9718% | 5,756 |
| Cash dividends to net income (ytd only)* | 93.0737% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 5,187 |
| Loan loss allowance to noncurrent loans | 217.1247% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.3777% | 4,792 |
| Noncurrent loans to loans | 0.4640% | 4,514 |
| Net loans and leases to total assets | 54.7711% | 4,488 |
| Net loans and leases to deposits | 60.0149% | 4,940 |
| Net loans and leases to core deposits | 63.4182% | 4,935 |
| Total domestic deposits to total assets | 91.2626% | 288 |
| Equity capital to assets | 8.6180% | 5,707 |
| Core capital (leverage) ratio | 9.1276% | 4,885 |
| Tier 1 risk-based capital ratio | 15.9119% | 3,097 |
| Total risk-based capital ratio | 16.9099% | 3,173 |
| Memoranda: | ||
| Average total assets | $187,777,500 | 3,157 |
| Average earning assets | $175,890,750 | 3,115 |
| Average equity | $15,573,250 | 3,756 |
| Average total loans | $102,560,250 | 3,400 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1150% | 3,284 |
| Cost of funding earning assets | 0.2068% | 5,858 |
| Net interest margin | 3.9083% | 2,128 |
| Noninterest income to average assets | 0.9717% | 1,283 |
| Noninterest expense to average assets | 3.1267% | 2,405 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5062% | 857 |
| Return on assets (ROA) | 1.5581% | 814 |
| Pretax return on assets | 1.5581% | 1,370 |
| Return on Equity (ROE) | 19.0287% | 360 |
| Retained earnings to average equity (ytd only) | -1.3961% | 5,913 |
| Net charge-offs to loans | 0.0311% | 3,574 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 88.9375% | 606 |
| Efficiency ratio | 67.4891% | 4,113 |
| Assets per employee ($millions) | 3.0506% | 5,687 |
| Cash dividends to net income (ytd only)* | 107.3370% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9822% | 5,422 |
| Loan loss allowance to noncurrent loans | 200.7843% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.3713% | 4,912 |
| Noncurrent loans to loans | 0.4892% | 4,533 |
| Net loans and leases to total assets | 55.4749% | 4,350 |
| Net loans and leases to deposits | 61.0979% | 4,775 |
| Net loans and leases to core deposits | 64.8363% | 4,740 |
| Total domestic deposits to total assets | 90.7967% | 475 |
| Equity capital to assets | 8.5520% | 5,758 |
| Core capital (leverage) ratio | 8.8417% | 5,236 |
| Tier 1 risk-based capital ratio | 15.4231% | 3,397 |
| Total risk-based capital ratio | 16.4120% | 3,492 |
| Memoranda: | ||
| Average total assets | $188,952,000 | 3,162 |
| Average earning assets | $177,010,000 | 3,115 |
| Average equity | $15,471,330 | 3,775 |
| Average total loans | $102,765,330 | 3,398 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1307% | 3,163 |
| Cost of funding earning assets | 0.2068% | 5,944 |
| Net interest margin | 3.9239% | 1,997 |
| Noninterest income to average assets | 0.9265% | 1,315 |
| Noninterest expense to average assets | 3.1011% | 2,526 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4938% | 831 |
| Return on assets (ROA) | 1.5337% | 796 |
| Pretax return on assets | 1.5337% | 1,330 |
| Return on Equity (ROE) | 19.1475% | 347 |
| Retained earnings to average equity (ytd only) | 7.9213% | 1,625 |
| Net charge-offs to loans | 0.0078% | 3,480 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 355.5000% | 135 |
| Efficiency ratio | 67.4897% | 4,273 |
| Assets per employee ($millions) | 2.8624% | 6,030 |
| Cash dividends to net income (ytd only)* | 58.6301% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0227% | 5,434 |
| Loan loss allowance to noncurrent loans | 218.5263% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.4665% | 4,740 |
| Noncurrent loans to loans | 0.4680% | 4,754 |
| Net loans and leases to total assets | 53.9932% | 4,422 |
| Net loans and leases to deposits | 59.1362% | 4,832 |
| Net loans and leases to core deposits | 62.0649% | 4,876 |
| Total domestic deposits to total assets | 91.3031% | 447 |
| Equity capital to assets | 8.6018% | 5,545 |
| Core capital (leverage) ratio | 9.1056% | 4,863 |
| Tier 1 risk-based capital ratio | 16.0615% | 3,146 |
| Total risk-based capital ratio | 17.0797% | 3,218 |
| Memoranda: | ||
| Average total assets | $190,385,000 | 3,165 |
| Average earning assets | $177,984,500 | 3,126 |
| Average equity | $15,250,000 | 3,819 |
| Average total loans | $102,020,500 | 3,427 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7744% | 4,898 |
| Cost of funding earning assets | 0.2476% | 5,979 |
| Net interest margin | 3.5268% | 3,781 |
| Noninterest income to average assets | 0.8595% | 1,832 |
| Noninterest expense to average assets | 3.0752% | 2,820 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0822% | 1,991 |
| Return on assets (ROA) | 1.4796% | 903 |
| Pretax return on assets | 1.4796% | 1,508 |
| Return on Equity (ROE) | 18.0636% | 402 |
| Retained earnings to average equity (ytd only) | 0.2530% | 5,733 |
| Net charge-offs to loans | 0.0049% | 5,371 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 417.8000% | 102 |
| Efficiency ratio | 73.9688% | 3,133 |
| Assets per employee ($millions) | 2.9956% | 5,842 |
| Cash dividends to net income (ytd only)* | 98.5994% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0142% | 5,492 |
| Loan loss allowance to noncurrent loans | 169.1057% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.4376% | 4,938 |
| Noncurrent loans to loans | 0.5997% | 4,485 |
| Net loans and leases to total assets | 52.1305% | 4,831 |
| Net loans and leases to deposits | 56.3759% | 5,266 |
| Net loans and leases to core deposits | 59.2310% | 5,279 |
| Total domestic deposits to total assets | 92.4695% | 197 |
| Equity capital to assets | 7.4447% | 6,308 |
| Core capital (leverage) ratio | 8.5511% | 5,607 |
| Tier 1 risk-based capital ratio | 15.3767% | 3,446 |
| Total risk-based capital ratio | 16.3710% | 3,542 |
| Memoranda: | ||
| Average total assets | $193,026,600 | 3,108 |
| Average earning assets | $180,505,000 | 3,059 |
| Average equity | $15,810,800 | 3,737 |
| Average total loans | $101,466,600 | 3,416 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7605% | 4,999 |
| Cost of funding earning assets | 0.2539% | 6,057 |
| Net interest margin | 3.5066% | 3,855 |
| Noninterest income to average assets | 0.8598% | 1,895 |
| Noninterest expense to average assets | 3.0840% | 2,713 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0557% | 2,170 |
| Return on assets (ROA) | 1.5832% | 819 |
| Pretax return on assets | 1.5832% | 1,376 |
| Return on Equity (ROE) | 18.8932% | 378 |
| Retained earnings to average equity (ytd only) | 4.4362% | 3,518 |
| Net charge-offs to loans | 0.0158% | 4,817 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 127.0800% | 418 |
| Efficiency ratio | 74.4983% | 2,985 |
| Assets per employee ($millions) | 2.7906% | 6,170 |
| Cash dividends to net income (ytd only)* | 76.5195% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0268% | 5,615 |
| Loan loss allowance to noncurrent loans | 178.7197% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.4195% | 5,162 |
| Noncurrent loans to loans | 0.5745% | 4,765 |
| Net loans and leases to total assets | 52.4710% | 4,820 |
| Net loans and leases to deposits | 57.1270% | 5,269 |
| Net loans and leases to core deposits | 60.7124% | 5,246 |
| Total domestic deposits to total assets | 91.8497% | 271 |
| Equity capital to assets | 8.0502% | 6,119 |
| Core capital (leverage) ratio | 9.0843% | 4,990 |
| Tier 1 risk-based capital ratio | 16.3591% | 3,009 |
| Total risk-based capital ratio | 17.3797% | 3,079 |
| Memoranda: | ||
| Average total assets | $192,604,500 | 3,139 |
| Average earning assets | $180,151,250 | 3,097 |
| Average equity | $16,139,500 | 3,723 |
| Average total loans | $101,196,750 | 3,450 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7585% | 4,963 |
| Cost of funding earning assets | 0.2585% | 6,116 |
| Net interest margin | 3.5000% | 3,781 |
| Noninterest income to average assets | 0.8411% | 2,027 |
| Noninterest expense to average assets | 3.0989% | 2,663 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0157% | 2,263 |
| Return on assets (ROA) | 1.8011% | 557 |
| Pretax return on assets | 1.8011% | 925 |
| Return on Equity (ROE) | 21.2207% | 237 |
| Retained earnings to average equity (ytd only) | 5.2595% | 2,886 |
| Net charge-offs to loans | 0.0178% | 4,487 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 109.2222% | 435 |
| Efficiency ratio | 75.3139% | 2,893 |
| Assets per employee ($millions) | 2.7116% | 6,278 |
| Cash dividends to net income (ytd only)* | 75.2151% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0169% | 5,750 |
| Loan loss allowance to noncurrent loans | 228.6976% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.4515% | 5,143 |
| Noncurrent loans to loans | 0.4447% | 5,151 |
| Net loans and leases to total assets | 53.1263% | 4,717 |
| Net loans and leases to deposits | 58.4036% | 5,124 |
| Net loans and leases to core deposits | 61.4898% | 5,144 |
| Total domestic deposits to total assets | 90.9641% | 557 |
| Equity capital to assets | 8.2340% | 6,032 |
| Core capital (leverage) ratio | 8.7923% | 5,302 |
| Tier 1 risk-based capital ratio | 16.0831% | 3,143 |
| Total risk-based capital ratio | 17.0955% | 3,240 |
| Memoranda: | ||
| Average total assets | $193,552,670 | 3,146 |
| Average earning assets | $181,029,670 | 3,100 |
| Average equity | $16,427,330 | 3,708 |
| Average total loans | $101,395,000 | 3,447 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6987% | 5,170 |
| Cost of funding earning assets | 0.2564% | 6,245 |
| Net interest margin | 3.4423% | 3,951 |
| Noninterest income to average assets | 0.8208% | 2,042 |
| Noninterest expense to average assets | 3.0518% | 2,830 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9845% | 2,292 |
| Return on assets (ROA) | 1.0009% | 2,340 |
| Pretax return on assets | 1.0009% | 3,351 |
| Return on Equity (ROE) | 11.6245% | 1,523 |
| Retained earnings to average equity (ytd only) | 2.4723% | 4,790 |
| Net charge-offs to loans | -0.0356% | 5,976 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6085% | 2,989 |
| Assets per employee ($millions) | 2.8177% | 6,261 |
| Cash dividends to net income (ytd only)* | 78.7321% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0493% | 5,798 |
| Loan loss allowance to noncurrent loans | 175.9599% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.4511% | 5,250 |
| Noncurrent loans to loans | 0.5963% | 4,946 |
| Net loans and leases to total assets | 51.1246% | 4,819 |
| Net loans and leases to deposits | 55.9939% | 5,243 |
| Net loans and leases to core deposits | 58.4888% | 5,293 |
| Total domestic deposits to total assets | 91.3039% | 407 |
| Equity capital to assets | 8.6030% | 5,914 |
| Core capital (leverage) ratio | 8.8605% | 5,106 |
| Tier 1 risk-based capital ratio | 15.9525% | 3,296 |
| Total risk-based capital ratio | 16.9933% | 3,362 |
| Memoranda: | ||
| Average total assets | $195,424,000 | 3,153 |
| Average earning assets | $182,552,500 | 3,107 |
| Average equity | $16,826,500 | 3,693 |
| Average total loans | $101,155,000 | 3,475 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1135% | 4,896 |
| Cost of funding earning assets | 0.3838% | 6,023 |
| Net interest margin | 3.7297% | 3,521 |
| Noninterest income to average assets | 0.7340% | 2,566 |
| Noninterest expense to average assets | 3.0160% | 3,216 |
| Loan and lease loss provision to assets | 0.0062% | 5,847 |
| Net operating income to assets | 1.1905% | 1,635 |
| Return on assets (ROA) | 1.3421% | 1,335 |
| Pretax return on assets | 1.3421% | 2,241 |
| Return on Equity (ROE) | 15.1943% | 781 |
| Retained earnings to average equity (ytd only) | 2.3650% | 4,571 |
| Net charge-offs to loans | 0.0765% | 4,912 |
| Credit loss provision to net charge-offs | 15.3846% | 5,339 |
| Earnings coverage of net charge-offs (x) | 29.7436% | 1,020 |
| Efficiency ratio | 71.5930% | 3,501 |
| Assets per employee ($millions) | 2.8886% | 6,179 |
| Cash dividends to net income (ytd only)* | 84.4350% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0259% | 5,878 |
| Loan loss allowance to noncurrent loans | 155.9701% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.4801% | 5,273 |
| Noncurrent loans to loans | 0.6578% | 4,885 |
| Net loans and leases to total assets | 51.3239% | 4,993 |
| Net loans and leases to deposits | 56.2211% | 5,425 |
| Net loans and leases to core deposits | 58.8564% | 5,467 |
| Total domestic deposits to total assets | 91.2894% | 401 |
| Equity capital to assets | 8.6175% | 5,951 |
| Core capital (leverage) ratio | 8.6670% | 5,374 |
| Tier 1 risk-based capital ratio | 15.5828% | 3,382 |
| Total risk-based capital ratio | 16.5975% | 3,470 |
| Memoranda: | ||
| Average total assets | $193,868,200 | 3,126 |
| Average earning assets | $180,820,400 | 3,076 |
| Average equity | $17,124,800 | 3,607 |
| Average total loans | $101,996,600 | 3,468 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1776% | 4,893 |
| Cost of funding earning assets | 0.4126% | 6,045 |
| Net interest margin | 3.7650% | 3,491 |
| Noninterest income to average assets | 0.7521% | 2,471 |
| Noninterest expense to average assets | 3.0340% | 3,117 |
| Loan and lease loss provision to assets | 0.0062% | 5,731 |
| Net operating income to assets | 1.2255% | 1,651 |
| Return on assets (ROA) | 1.2952% | 1,599 |
| Pretax return on assets | 1.2952% | 2,628 |
| Return on Equity (ROE) | 14.5718% | 984 |
| Retained earnings to average equity (ytd only) | 4.2388% | 3,910 |
| Net charge-offs to loans | 0.0431% | 5,047 |
| Credit loss provision to net charge-offs | 27.2727% | 4,843 |
| Earnings coverage of net charge-offs (x) | 54.0895% | 713 |
| Efficiency ratio | 71.1258% | 3,485 |
| Assets per employee ($millions) | 2.7160% | 6,471 |
| Cash dividends to net income (ytd only)* | 70.9111% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0574% | 5,863 |
| Loan loss allowance to noncurrent loans | 160.3245% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.5704% | 5,243 |
| Noncurrent loans to loans | 0.6595% | 5,123 |
| Net loans and leases to total assets | 54.2748% | 4,714 |
| Net loans and leases to deposits | 59.9374% | 5,212 |
| Net loans and leases to core deposits | 62.9858% | 5,264 |
| Total domestic deposits to total assets | 90.5524% | 578 |
| Equity capital to assets | 9.3462% | 5,412 |
| Core capital (leverage) ratio | 8.7339% | 5,425 |
| Tier 1 risk-based capital ratio | 15.9051% | 3,323 |
| Total risk-based capital ratio | 16.9747% | 3,378 |
| Memoranda: | ||
| Average total assets | $193,228,500 | 3,172 |
| Average earning assets | $180,324,250 | 3,113 |
| Average equity | $17,174,250 | 3,627 |
| Average total loans | $102,031,000 | 3,512 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1730% | 5,045 |
| Cost of funding earning assets | 0.4370% | 6,056 |
| Net interest margin | 3.7360% | 3,656 |
| Noninterest income to average assets | 0.7501% | 2,413 |
| Noninterest expense to average assets | 2.9564% | 3,419 |
| Loan and lease loss provision to assets | -0.0010% | 7,015 |
| Net operating income to assets | 1.2727% | 1,509 |
| Return on assets (ROA) | 1.3219% | 1,536 |
| Pretax return on assets | 1.3219% | 2,474 |
| Return on Equity (ROE) | 15.1225% | 918 |
| Retained earnings to average equity (ytd only) | 4.1968% | 3,818 |
| Net charge-offs to loans | 0.0334% | 4,913 |
| Credit loss provision to net charge-offs | -5.8824% | 5,916 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 550 |
| Efficiency ratio | 69.9224% | 3,779 |
| Assets per employee ($millions) | 2.9164% | 6,209 |
| Cash dividends to net income (ytd only)* | 72.2481% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0788% | 5,867 |
| Loan loss allowance to noncurrent loans | 167.8955% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.5441% | 5,398 |
| Noncurrent loans to loans | 0.6426% | 5,227 |
| Net loans and leases to total assets | 50.5350% | 5,292 |
| Net loans and leases to deposits | 55.4348% | 5,712 |
| Net loans and leases to core deposits | 58.9465% | 5,697 |
| Total domestic deposits to total assets | 91.1611% | 399 |
| Equity capital to assets | 8.7235% | 6,000 |
| Core capital (leverage) ratio | 8.5290% | 5,615 |
| Tier 1 risk-based capital ratio | 15.4036% | 3,502 |
| Total risk-based capital ratio | 16.4567% | 3,592 |
| Memoranda: | ||
| Average total assets | $195,170,670 | 3,149 |
| Average earning assets | $181,692,330 | 3,106 |
| Average equity | $17,060,670 | 3,635 |
| Average total loans | $101,775,000 | 3,520 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2097% | 5,072 |
| Cost of funding earning assets | 0.3797% | 6,507 |
| Net interest margin | 3.8300% | 3,245 |
| Noninterest income to average assets | 0.7025% | 2,653 |
| Noninterest expense to average assets | 3.0062% | 3,220 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2810% | 1,500 |
| Return on assets (ROA) | 1.3637% | 1,448 |
| Pretax return on assets | 1.3637% | 2,316 |
| Return on Equity (ROE) | 15.5835% | 870 |
| Retained earnings to average equity (ytd only) | 9.9168% | 1,290 |
| Net charge-offs to loans | 0.2235% | 2,805 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 10.8772% | 1,721 |
| Efficiency ratio | 70.1205% | 3,784 |
| Assets per employee ($millions) | 2.8428% | 6,446 |
| Cash dividends to net income (ytd only)* | 36.3636% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0336% | 6,139 |
| Loan loss allowance to noncurrent loans | 115.3173% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.6854% | 5,189 |
| Noncurrent loans to loans | 0.8963% | 4,873 |
| Net loans and leases to total assets | 52.2061% | 4,989 |
| Net loans and leases to deposits | 57.3286% | 5,457 |
| Net loans and leases to core deposits | 60.6204% | 5,474 |
| Total domestic deposits to total assets | 91.0646% | 527 |
| Equity capital to assets | 8.8615% | 5,682 |
| Core capital (leverage) ratio | 8.7586% | 5,187 |
| Tier 1 risk-based capital ratio | 15.4553% | 3,473 |
| Total risk-based capital ratio | 16.4710% | 3,570 |
| Memoranda: | ||
| Average total assets | $193,598,000 | 3,187 |
| Average earning assets | $181,199,500 | 3,132 |
| Average equity | $16,941,000 | 3,657 |
| Average total loans | $102,006,500 | 3,541 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7428% | 4,064 |
| Cost of funding earning assets | 0.4222% | 6,822 |
| Net interest margin | 4.3207% | 1,628 |
| Noninterest income to average assets | 0.8419% | 1,875 |
| Noninterest expense to average assets | 3.4152% | 2,203 |
| Loan and lease loss provision to assets | 0.2372% | 3,836 |
| Net operating income to assets | 1.2411% | 1,403 |
| Return on assets (ROA) | 1.3670% | 1,180 |
| Pretax return on assets | 1.3670% | 1,890 |
| Return on Equity (ROE) | 15.5382% | 672 |
| Retained earnings to average equity (ytd only) | 9.4457% | 684 |
| Net charge-offs to loans | 0.4116% | 3,363 |
| Credit loss provision to net charge-offs | 97.5336% | 3,688 |
| Earnings coverage of net charge-offs (x) | 6.0785% | 2,603 |
| Efficiency ratio | 69.7905% | 4,009 |
| Assets per employee ($millions) | 2.8100% | 6,443 |
| Cash dividends to net income (ytd only)* | 39.2102% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 5,853 |
| Loan loss allowance to noncurrent loans | 137.6704% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.6060% | 5,449 |
| Noncurrent loans to loans | 0.7909% | 5,100 |
| Net loans and leases to total assets | 52.0556% | 5,303 |
| Net loans and leases to deposits | 57.0430% | 5,797 |
| Net loans and leases to core deposits | 60.3772% | 5,812 |
| Total domestic deposits to total assets | 91.2568% | 410 |
| Equity capital to assets | 8.6401% | 5,972 |
| Core capital (leverage) ratio | 8.3440% | 5,787 |
| Tier 1 risk-based capital ratio | 15.0920% | 3,588 |
| Total risk-based capital ratio | 16.1623% | 3,661 |
| Memoranda: | ||
| Average total assets | $183,388,400 | 3,279 |
| Average earning assets | $171,964,200 | 3,200 |
| Average equity | $16,134,400 | 3,703 |
| Average total loans | $108,351,600 | 3,420 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8564% | 3,752 |
| Cost of funding earning assets | 0.4276% | 6,949 |
| Net interest margin | 4.4288% | 1,320 |
| Noninterest income to average assets | 0.8453% | 1,858 |
| Noninterest expense to average assets | 3.4726% | 2,009 |
| Loan and lease loss provision to assets | 0.3245% | 2,938 |
| Net operating income to assets | 1.1964% | 1,663 |
| Return on assets (ROA) | 1.2746% | 1,550 |
| Pretax return on assets | 1.2746% | 2,382 |
| Return on Equity (ROE) | 14.4176% | 958 |
| Retained earnings to average equity (ytd only) | 14.4176% | 273 |
| Net charge-offs to loans | 0.4742% | 2,839 |
| Credit loss provision to net charge-offs | 112.5320% | 2,904 |
| Earnings coverage of net charge-offs (x) | 5.2737% | 2,828 |
| Efficiency ratio | 69.5421% | 4,030 |
| Assets per employee ($millions) | 2.7262% | 6,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 5,893 |
| Loan loss allowance to noncurrent loans | 128.3991% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.6676% | 5,473 |
| Noncurrent loans to loans | 0.8565% | 5,154 |
| Net loans and leases to total assets | 55.1862% | 4,973 |
| Net loans and leases to deposits | 60.7463% | 5,549 |
| Net loans and leases to core deposits | 63.9429% | 5,621 |
| Total domestic deposits to total assets | 90.8470% | 493 |
| Equity capital to assets | 9.0387% | 5,705 |
| Core capital (leverage) ratio | 8.9642% | 4,990 |
| Tier 1 risk-based capital ratio | 14.9918% | 3,664 |
| Total risk-based capital ratio | 16.0918% | 3,731 |
| Memoranda: | ||
| Average total assets | $180,763,750 | 3,333 |
| Average earning assets | $169,312,250 | 3,264 |
| Average equity | $15,980,000 | 3,743 |
| Average total loans | $109,929,500 | 3,413 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9575% | 3,367 |
| Cost of funding earning assets | 0.4444% | 7,029 |
| Net interest margin | 4.5131% | 1,102 |
| Noninterest income to average assets | 0.8218% | 1,924 |
| Noninterest expense to average assets | 3.4745% | 2,051 |
| Loan and lease loss provision to assets | 0.4960% | 1,984 |
| Net operating income to assets | 1.0755% | 1,954 |
| Return on assets (ROA) | 1.1296% | 1,865 |
| Pretax return on assets | 1.1296% | 2,725 |
| Return on Equity (ROE) | 12.8817% | 1,227 |
| Retained earnings to average equity (ytd only) | 12.8817% | 401 |
| Net charge-offs to loans | 0.6266% | 2,266 |
| Credit loss provision to net charge-offs | 126.4368% | 2,420 |
| Earnings coverage of net charge-offs (x) | 4.0057% | 2,995 |
| Efficiency ratio | 68.8561% | 4,356 |
| Assets per employee ($millions) | 2.5583% | 6,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1120% | 5,909 |
| Loan loss allowance to noncurrent loans | 141.1628% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.7343% | 5,440 |
| Noncurrent loans to loans | 0.7878% | 5,335 |
| Net loans and leases to total assets | 60.2822% | 4,222 |
| Net loans and leases to deposits | 66.4369% | 4,929 |
| Net loans and leases to core deposits | 70.0104% | 5,074 |
| Total domestic deposits to total assets | 90.7360% | 613 |
| Equity capital to assets | 9.1651% | 5,331 |
| Core capital (leverage) ratio | 8.7799% | 5,078 |
| Tier 1 risk-based capital ratio | 14.4389% | 3,832 |
| Total risk-based capital ratio | 15.5867% | 3,886 |
| Memoranda: | ||
| Average total assets | $177,407,000 | 3,407 |
| Average earning assets | $166,051,000 | 3,335 |
| Average equity | $15,557,000 | 3,806 |
| Average total loans | $111,077,670 | 3,429 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9209% | 3,479 |
| Cost of funding earning assets | 0.4625% | 7,084 |
| Net interest margin | 4.4583% | 1,154 |
| Noninterest income to average assets | 0.7272% | 2,407 |
| Noninterest expense to average assets | 3.4638% | 2,107 |
| Loan and lease loss provision to assets | 0.5596% | 1,543 |
| Net operating income to assets | 0.8744% | 2,687 |
| Return on assets (ROA) | 0.8858% | 2,705 |
| Pretax return on assets | 0.8858% | 3,558 |
| Return on Equity (ROE) | 10.3378% | 1,980 |
| Retained earnings to average equity (ytd only) | 10.3378% | 1,035 |
| Net charge-offs to loans | 0.9069% | 1,467 |
| Credit loss provision to net charge-offs | 97.2441% | 2,809 |
| Earnings coverage of net charge-offs (x) | 2.4921% | 3,086 |
| Efficiency ratio | 70.7216% | 4,113 |
| Assets per employee ($millions) | 2.4151% | 7,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 6,377 |
| Loan loss allowance to noncurrent loans | 95.1365% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.9399% | 5,009 |
| Noncurrent loans to loans | 1.0576% | 4,939 |
| Net loans and leases to total assets | 62.2263% | 3,805 |
| Net loans and leases to deposits | 68.2589% | 4,639 |
| Net loans and leases to core deposits | 72.0752% | 4,775 |
| Total domestic deposits to total assets | 91.1622% | 547 |
| Equity capital to assets | 8.7232% | 5,621 |
| Core capital (leverage) ratio | 8.5492% | 5,354 |
| Tier 1 risk-based capital ratio | 13.8243% | 4,198 |
| Total risk-based capital ratio | 14.8708% | 4,311 |
| Memoranda: | ||
| Average total assets | $176,570,000 | 3,440 |
| Average earning assets | $165,173,500 | 3,374 |
| Average equity | $15,129,000 | 3,877 |
| Average total loans | $112,032,500 | 3,442 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1955% | 3,630 |
| Cost of funding earning assets | 0.6454% | 7,017 |
| Net interest margin | 4.5501% | 1,133 |
| Noninterest income to average assets | 0.8294% | 2,144 |
| Noninterest expense to average assets | 3.6538% | 1,801 |
| Loan and lease loss provision to assets | 0.3188% | 4,260 |
| Net operating income to assets | 1.1113% | 1,672 |
| Return on assets (ROA) | 1.0173% | 2,087 |
| Pretax return on assets | 1.0173% | 2,874 |
| Return on Equity (ROE) | 12.9426% | 1,101 |
| Retained earnings to average equity (ytd only) | 12.9426% | 212 |
| Net charge-offs to loans | 0.2638% | 4,715 |
| Credit loss provision to net charge-offs | 186.2745% | 1,753 |
| Earnings coverage of net charge-offs (x) | 8.3562% | 1,981 |
| Efficiency ratio | 71.8702% | 3,817 |
| Assets per employee ($millions) | 2.4907% | 7,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9908% | 6,423 |
| Loan loss allowance to noncurrent loans | 83.9820% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 1.1406% | 4,726 |
| Noncurrent loans to loans | 1.1797% | 4,745 |
| Net loans and leases to total assets | 63.4036% | 3,988 |
| Net loans and leases to deposits | 69.4389% | 4,892 |
| Net loans and leases to core deposits | 73.2950% | 5,068 |
| Total domestic deposits to total assets | 91.3085% | 457 |
| Equity capital to assets | 8.4138% | 5,975 |
| Core capital (leverage) ratio | 8.0357% | 6,143 |
| Tier 1 risk-based capital ratio | 13.2871% | 4,385 |
| Total risk-based capital ratio | 14.3124% | 4,514 |
| Memoranda: | ||
| Average total assets | $178,799,600 | 3,398 |
| Average earning assets | $167,184,200 | 3,337 |
| Average equity | $14,054,400 | 4,130 |
| Average total loans | $116,011,200 | 3,403 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2284% | 3,692 |
| Cost of funding earning assets | 0.6763% | 7,115 |
| Net interest margin | 4.5520% | 1,150 |
| Noninterest income to average assets | 0.8716% | 1,905 |
| Noninterest expense to average assets | 3.6937% | 1,576 |
| Loan and lease loss provision to assets | 0.3785% | 3,617 |
| Net operating income to assets | 1.0538% | 2,059 |
| Return on assets (ROA) | 0.9288% | 2,631 |
| Pretax return on assets | 0.9288% | 3,451 |
| Return on Equity (ROE) | 12.0253% | 1,495 |
| Retained earnings to average equity (ytd only) | 12.0253% | 456 |
| Net charge-offs to loans | 0.2479% | 4,451 |
| Credit loss provision to net charge-offs | 234.5622% | 1,444 |
| Earnings coverage of net charge-offs (x) | 8.8755% | 2,098 |
| Efficiency ratio | 72.0586% | 3,684 |
| Assets per employee ($millions) | 2.6359% | 6,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9982% | 6,403 |
| Loan loss allowance to noncurrent loans | 74.2894% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 1.4246% | 4,316 |
| Noncurrent loans to loans | 1.3437% | 4,615 |
| Net loans and leases to total assets | 62.7101% | 4,382 |
| Net loans and leases to deposits | 68.3605% | 5,370 |
| Net loans and leases to core deposits | 73.4520% | 5,358 |
| Total domestic deposits to total assets | 91.7344% | 248 |
| Equity capital to assets | 8.0390% | 6,769 |
| Core capital (leverage) ratio | 7.7827% | 6,589 |
| Tier 1 risk-based capital ratio | 12.4966% | 4,985 |
| Total risk-based capital ratio | 13.5234% | 5,176 |
| Memoranda: | ||
| Average total assets | $179,289,500 | 3,430 |
| Average earning assets | $167,568,750 | 3,370 |
| Average equity | $13,848,250 | 4,235 |
| Average total loans | $116,702,750 | 3,429 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2741% | 3,588 |
| Cost of funding earning assets | 0.7320% | 7,119 |
| Net interest margin | 4.5421% | 1,115 |
| Noninterest income to average assets | 0.8765% | 1,773 |
| Noninterest expense to average assets | 3.7113% | 1,540 |
| Loan and lease loss provision to assets | 0.2937% | 4,034 |
| Net operating income to assets | 1.1142% | 1,806 |
| Return on assets (ROA) | 0.9203% | 2,571 |
| Pretax return on assets | 0.9203% | 3,416 |
| Return on Equity (ROE) | 12.0818% | 1,428 |
| Retained earnings to average equity (ytd only) | 12.0818% | 476 |
| Net charge-offs to loans | 0.1826% | 4,515 |
| Credit loss provision to net charge-offs | 244.8598% | 1,575 |
| Earnings coverage of net charge-offs (x) | 11.7383% | 1,732 |
| Efficiency ratio | 72.4984% | 3,739 |
| Assets per employee ($millions) | 2.5948% | 6,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8833% | 6,812 |
| Loan loss allowance to noncurrent loans | 50.5994% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 1.7650% | 3,809 |
| Noncurrent loans to loans | 1.7456% | 4,066 |
| Net loans and leases to total assets | 63.4920% | 4,353 |
| Net loans and leases to deposits | 69.1014% | 5,404 |
| Net loans and leases to core deposits | 74.3136% | 5,406 |
| Total domestic deposits to total assets | 91.8823% | 242 |
| Equity capital to assets | 7.9725% | 6,781 |
| Core capital (leverage) ratio | 7.5590% | 6,772 |
| Tier 1 risk-based capital ratio | 12.0677% | 5,253 |
| Total risk-based capital ratio | 12.9751% | 5,526 |
| Memoranda: | ||
| Average total assets | $178,427,670 | 3,463 |
| Average earning assets | $166,663,000 | 3,397 |
| Average equity | $13,590,670 | 4,293 |
| Average total loans | $117,202,330 | 3,456 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2644% | 3,712 |
| Cost of funding earning assets | 0.7922% | 7,111 |
| Net interest margin | 4.4722% | 1,206 |
| Noninterest income to average assets | 0.9230% | 1,545 |
| Noninterest expense to average assets | 3.5886% | 1,766 |
| Loan and lease loss provision to assets | 0.4828% | 2,570 |
| Net operating income to assets | 1.0352% | 2,053 |
| Return on assets (ROA) | 0.6939% | 3,579 |
| Pretax return on assets | 0.6939% | 4,257 |
| Return on Equity (ROE) | 9.3290% | 2,367 |
| Retained earnings to average equity (ytd only) | 9.3290% | 1,312 |
| Net charge-offs to loans | 0.2397% | 3,498 |
| Credit loss provision to net charge-offs | 302.8169% | 1,301 |
| Earnings coverage of net charge-offs (x) | 9.5211% | 1,842 |
| Efficiency ratio | 70.2726% | 4,249 |
| Assets per employee ($millions) | 2.4977% | 7,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8500% | 6,995 |
| Loan loss allowance to noncurrent loans | 44.8322% | 5,366 |
| Noncurrent assets plus other real estate owned to assets | 1.5924% | 4,110 |
| Noncurrent loans to loans | 1.8959% | 3,926 |
| Net loans and leases to total assets | 65.9079% | 3,873 |
| Net loans and leases to deposits | 71.4074% | 5,138 |
| Net loans and leases to core deposits | 76.5008% | 5,190 |
| Total domestic deposits to total assets | 92.2984% | 191 |
| Equity capital to assets | 7.5640% | 7,021 |
| Core capital (leverage) ratio | 7.4170% | 6,921 |
| Tier 1 risk-based capital ratio | 11.5385% | 5,637 |
| Total risk-based capital ratio | 12.4268% | 5,938 |
| Memoranda: | ||
| Average total assets | $178,121,500 | 3,521 |
| Average earning assets | $166,629,500 | 3,455 |
| Average equity | $13,249,000 | 4,422 |
| Average total loans | $118,459,000 | 3,483 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5675% | 3,767 |
| Cost of funding earning assets | 1.2011% | 6,654 |
| Net interest margin | 4.3665% | 1,528 |
| Noninterest income to average assets | 0.8632% | 2,126 |
| Noninterest expense to average assets | 3.1752% | 3,461 |
| Loan and lease loss provision to assets | 0.2064% | 5,690 |
| Net operating income to assets | 1.5598% | 599 |
| Return on assets (ROA) | -8.1317% | 7,928 |
| Pretax return on assets | -8.1317% | 7,919 |
| Return on Equity (ROE) | -93.6563% | 7,915 |
| Retained earnings to average equity (ytd only) | -99.7610% | 7,926 |
| Net charge-offs to loans | 0.2423% | 5,108 |
| Credit loss provision to net charge-offs | 132.8520% | 3,762 |
| Earnings coverage of net charge-offs (x) | 11.3682% | 1,594 |
| Efficiency ratio | 64.2565% | 5,731 |
| Assets per employee ($millions) | 2.6309% | 6,980 |
| Cash dividends to net income (ytd only)* | -6.5181% | 7,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7208% | 7,329 |
| Loan loss allowance to noncurrent loans | 58.6466% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 1.1347% | 4,824 |
| Noncurrent loans to loans | 1.2291% | 4,893 |
| Net loans and leases to total assets | 66.0565% | 4,135 |
| Net loans and leases to deposits | 71.3909% | 5,418 |
| Net loans and leases to core deposits | 90.6919% | 5,054 |
| Total domestic deposits to total assets | 92.5278% | 173 |
| Equity capital to assets | 7.3135% | 7,191 |
| Core capital (leverage) ratio | 6.5727% | 7,457 |
| Tier 1 risk-based capital ratio | 11.1835% | 5,738 |
| Total risk-based capital ratio | 11.9406% | 6,191 |
| Memoranda: | ||
| Average total assets | $178,290,000 | 3,467 |
| Average earning assets | $166,519,200 | 3,402 |
| Average equity | $15,480,000 | 3,973 |
| Average total loans | $114,339,000 | 3,603 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5416% | 4,205 |
| Cost of funding earning assets | 1.2419% | 6,751 |
| Net interest margin | 4.2997% | 1,733 |
| Noninterest income to average assets | 0.8203% | 2,334 |
| Noninterest expense to average assets | 3.3404% | 2,766 |
| Loan and lease loss provision to assets | 0.1781% | 5,577 |
| Net operating income to assets | 1.3158% | 1,185 |
| Return on assets (ROA) | -0.1265% | 5,966 |
| Pretax return on assets | -0.1265% | 5,880 |
| Return on Equity (ROE) | -1.4014% | 6,003 |
| Retained earnings to average equity (ytd only) | -9.2375% | 6,725 |
| Net charge-offs to loans | 0.2521% | 4,470 |
| Credit loss provision to net charge-offs | 111.2150% | 4,572 |
| Earnings coverage of net charge-offs (x) | 9.3270% | 2,121 |
| Efficiency ratio | 69.0974% | 4,763 |
| Assets per employee ($millions) | 2.6181% | 7,018 |
| Cash dividends to net income (ytd only)* | -559.1666% | 8,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6598% | 7,467 |
| Loan loss allowance to noncurrent loans | 52.2802% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 1.0839% | 4,912 |
| Noncurrent loans to loans | 1.2620% | 4,836 |
| Net loans and leases to total assets | 61.4742% | 5,332 |
| Net loans and leases to deposits | 67.7860% | 6,143 |
| Net loans and leases to core deposits | 86.8679% | 5,775 |
| Total domestic deposits to total assets | 90.6887% | 517 |
| Equity capital to assets | 8.7693% | 5,850 |
| Core capital (leverage) ratio | 8.8733% | 4,857 |
| Tier 1 risk-based capital ratio | 4.8790% | 8,003 |
| Total risk-based capital ratio | 5.1183% | 8,033 |
| Memoranda: | ||
| Average total assets | $178,136,750 | 3,492 |
| Average earning assets | $166,302,000 | 3,441 |
| Average equity | $16,079,000 | 3,896 |
| Average total loans | $113,165,000 | 3,649 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6057% | 4,051 |
| Cost of funding earning assets | 1.3202% | 6,735 |
| Net interest margin | 4.2854% | 1,689 |
| Noninterest income to average assets | 0.8003% | 2,408 |
| Noninterest expense to average assets | 3.3597% | 2,758 |
| Loan and lease loss provision to assets | 0.2001% | 5,057 |
| Net operating income to assets | 1.2386% | 1,386 |
| Return on assets (ROA) | -0.9900% | 6,975 |
| Pretax return on assets | -0.9900% | 6,809 |
| Return on Equity (ROE) | -10.8524% | 7,102 |
| Retained earnings to average equity (ytd only) | -22.8331% | 7,542 |
| Net charge-offs to loans | 0.2849% | 3,766 |
| Credit loss provision to net charge-offs | 109.4937% | 4,229 |
| Earnings coverage of net charge-offs (x) | 7.8734% | 2,369 |
| Efficiency ratio | 70.0169% | 4,779 |
| Assets per employee ($millions) | 2.6421% | 6,971 |
| Cash dividends to net income (ytd only)* | -110.3972% | 8,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6781% | 7,469 |
| Loan loss allowance to noncurrent loans | 54.0428% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 1.1207% | 4,711 |
| Noncurrent loans to loans | 1.2547% | 4,693 |
| Net loans and leases to total assets | 62.8342% | 5,211 |
| Net loans and leases to deposits | 69.3575% | 6,057 |
| Net loans and leases to core deposits | 86.8643% | 5,821 |
| Total domestic deposits to total assets | 90.5947% | 595 |
| Equity capital to assets | 8.7042% | 5,746 |
| Core capital (leverage) ratio | 9.0807% | 4,495 |
| Tier 1 risk-based capital ratio | 4.7126% | 8,107 |
| Total risk-based capital ratio | 4.9512% | 8,128 |
| Memoranda: | ||
| Average total assets | $172,934,670 | 3,588 |
| Average earning assets | $161,336,670 | 3,537 |
| Average equity | $15,775,330 | 3,965 |
| Average total loans | $110,922,330 | 3,744 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7027% | 3,791 |
| Cost of funding earning assets | 1.4033% | 6,723 |
| Net interest margin | 4.2994% | 1,601 |
| Noninterest income to average assets | 0.8131% | 2,265 |
| Noninterest expense to average assets | 3.3450% | 2,516 |
| Loan and lease loss provision to assets | 0.1545% | 4,957 |
| Net operating income to assets | 1.3052% | 1,369 |
| Return on assets (ROA) | 1.3052% | 1,467 |
| Pretax return on assets | 1.3052% | 2,266 |
| Return on Equity (ROE) | 13.9615% | 1,177 |
| Retained earnings to average equity (ytd only) | 4.6538% | 3,335 |
| Net charge-offs to loans | 0.4084% | 2,471 |
| Credit loss provision to net charge-offs | 58.5586% | 4,542 |
| Earnings coverage of net charge-offs (x) | 5.5315% | 2,655 |
| Efficiency ratio | 69.6190% | 4,654 |
| Assets per employee ($millions) | 2.4443% | 7,384 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6628% | 7,543 |
| Loan loss allowance to noncurrent loans | 57.0863% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 1.1883% | 4,293 |
| Noncurrent loans to loans | 1.1611% | 4,661 |
| Net loans and leases to total assets | 65.0123% | 4,810 |
| Net loans and leases to deposits | 72.4689% | 5,687 |
| Net loans and leases to core deposits | 90.2370% | 5,531 |
| Total domestic deposits to total assets | 89.7106% | 930 |
| Equity capital to assets | 9.5734% | 4,566 |
| Core capital (leverage) ratio | 10.6650% | 2,773 |
| Tier 1 risk-based capital ratio | 5.0624% | 8,170 |
| Total risk-based capital ratio | 5.2761% | 8,205 |
| Memoranda: | ||
| Average total assets | $168,251,000 | 3,685 |
| Average earning assets | $156,208,000 | 3,643 |
| Average equity | $15,729,000 | 3,996 |
| Average total loans | $108,718,500 | 3,820 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7424% | 1,895 |
| Cost of funding earning assets | 1.9368% | 6,622 |
| Net interest margin | 4.8057% | 777 |
| Noninterest income to average assets | 0.8754% | 2,079 |
| Noninterest expense to average assets | 3.4729% | 2,467 |
| Loan and lease loss provision to assets | 0.2498% | 4,419 |
| Net operating income to assets | 1.5811% | 864 |
| Return on assets (ROA) | 1.5817% | 826 |
| Pretax return on assets | 1.5817% | 1,442 |
| Return on Equity (ROE) | 19.1326% | 444 |
| Retained earnings to average equity (ytd only) | 4.2942% | 2,442 |
| Net charge-offs to loans | 0.3802% | 2,931 |
| Credit loss provision to net charge-offs | 99.7573% | 5,384 |
| Earnings coverage of net charge-offs (x) | 7.3107% | 3,144 |
| Efficiency ratio | 65.4785% | 5,226 |
| Assets per employee ($millions) | 2.5417% | 7,130 |
| Cash dividends to net income (ytd only)* | 77.5557% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7059% | 7,406 |
| Loan loss allowance to noncurrent loans | 67.1041% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 1.0952% | 4,096 |
| Noncurrent loans to loans | 1.0519% | 4,470 |
| Net loans and leases to total assets | 63.3571% | 5,392 |
| Net loans and leases to deposits | 70.3498% | 6,237 |
| Net loans and leases to core deposits | 87.3386% | 6,032 |
| Total domestic deposits to total assets | 90.0600% | 626 |
| Equity capital to assets | 9.1290% | 5,180 |
| Core capital (leverage) ratio | 10.5810% | 2,919 |
| Tier 1 risk-based capital ratio | 8.3855% | 8,015 |
| Total risk-based capital ratio | 8.7651% | 8,155 |
| Memoranda: | ||
| Average total assets | $164,501,800 | 3,637 |
| Average earning assets | $151,592,000 | 3,624 |
| Average equity | $13,599,800 | 4,425 |
| Average total loans | $108,351,600 | 3,726 |