Home > First National Bank > Performance and Condition Ratios
First National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3941% | 3,284 |
| Cost of funding earning assets | 1.0290% | 3,230 |
| Net interest margin | 3.3652% | 2,479 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.5213% | 2,238 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8862% | 2,590 |
| Return on assets (ROA) | 0.8862% | 2,564 |
| Pretax return on assets | 1.1241% | 2,334 |
| Return on Equity (ROE) | 15.4600% | 1,198 |
| Retained earnings to average equity (ytd only) | 13.4084% | 458 |
| Net charge-offs to loans | 0.2139% | 507 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 11.7580% | 2,178 |
| Efficiency ratio | 69.1640% | 1,994 |
| Assets per employee ($millions) | 5.4843% | 3,267 |
| Cash dividends to net income (ytd only)* | 13.2658% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1758% | 290 |
| Loan loss allowance to noncurrent loans | 1,557.7206% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.0661% | 3,132 |
| Noncurrent loans to loans | 0.1397% | 2,815 |
| Net loans and leases to total assets | 46.3100% | 3,802 |
| Net loans and leases to deposits | 49.9294% | 3,951 |
| Net loans and leases to core deposits | 51.1844% | 4,058 |
| Total domestic deposits to total assets | 92.7600% | 199 |
| Equity capital to assets | 6.5009% | 4,111 |
| Core capital (leverage) ratio | 8.8205% | 3,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2406% | 873 |
| Memoranda: | ||
| Average total assets | $423,630,000 | 1,944 |
| Average earning assets | $400,783,800 | 1,906 |
| Average equity | $24,283,200 | 2,561 |
| Average total loans | $189,351,000 | 2,363 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3347% | 3,227 |
| Cost of funding earning assets | 0.9712% | 3,118 |
| Net interest margin | 3.3635% | 2,534 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 2.4850% | 2,282 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9208% | 2,613 |
| Return on assets (ROA) | 0.9208% | 2,599 |
| Pretax return on assets | 1.1642% | 2,376 |
| Return on Equity (ROE) | 16.6000% | 1,153 |
| Retained earnings to average equity (ytd only) | 13.7955% | 701 |
| Net charge-offs to loans | 0.0681% | 994 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 38.8125% | 1,462 |
| Efficiency ratio | 68.0966% | 2,001 |
| Assets per employee ($millions) | 5.4071% | 3,256 |
| Cash dividends to net income (ytd only)* | 16.8985% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3349% | 249 |
| Loan loss allowance to noncurrent loans | 1,545.5782% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.0725% | 3,117 |
| Noncurrent loans to loans | 0.1511% | 2,798 |
| Net loans and leases to total assets | 46.8700% | 3,790 |
| Net loans and leases to deposits | 50.0983% | 3,930 |
| Net loans and leases to core deposits | 51.2060% | 4,004 |
| Total domestic deposits to total assets | 93.5600% | 237 |
| Equity capital to assets | 5.6747% | 4,091 |
| Core capital (leverage) ratio | 8.6934% | 4,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7232% | 855 |
| Memoranda: | ||
| Average total assets | $426,706,000 | 1,931 |
| Average earning assets | $403,770,500 | 1,897 |
| Average equity | $23,669,000 | 2,587 |
| Average total loans | $188,005,250 | 2,379 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2804% | 3,129 |
| Cost of funding earning assets | 0.8824% | 2,978 |
| Net interest margin | 3.3980% | 2,522 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.3847% | 2,542 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0010% | 2,417 |
| Return on assets (ROA) | 1.0010% | 2,412 |
| Pretax return on assets | 1.2707% | 2,160 |
| Return on Equity (ROE) | 18.1800% | 927 |
| Retained earnings to average equity (ytd only) | 13.9989% | 677 |
| Net charge-offs to loans | -0.0603% | 4,419 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.2371% | 2,343 |
| Assets per employee ($millions) | 5.8667% | 2,827 |
| Cash dividends to net income (ytd only)* | 22.9848% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4784% | 227 |
| Loan loss allowance to noncurrent loans | 2,280.0971% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 3,292 |
| Noncurrent loans to loans | 0.1087% | 2,934 |
| Net loans and leases to total assets | 43.7500% | 3,890 |
| Net loans and leases to deposits | 46.8454% | 4,023 |
| Net loans and leases to core deposits | 47.8981% | 4,071 |
| Total domestic deposits to total assets | 93.4000% | 194 |
| Equity capital to assets | 5.8172% | 4,199 |
| Core capital (leverage) ratio | 8.0961% | 4,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2090% | 927 |
| Memoranda: | ||
| Average total assets | $433,763,333 | 1,904 |
| Average earning assets | $410,941,667 | 1,873 |
| Average equity | $23,887,667 | 2,576 |
| Average total loans | $185,801,667 | 2,385 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1397% | 3,163 |
| Cost of funding earning assets | 0.7437% | 2,917 |
| Net interest margin | 3.3960% | 2,644 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.3239% | 2,753 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0313% | 2,434 |
| Return on assets (ROA) | 1.0313% | 2,402 |
| Pretax return on assets | 1.3189% | 2,122 |
| Return on Equity (ROE) | 19.2500% | 848 |
| Retained earnings to average equity (ytd only) | 15.2726% | 769 |
| Net charge-offs to loans | 0.0043% | 1,819 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 724.5000% | 161 |
| Efficiency ratio | 63.7931% | 2,485 |
| Assets per employee ($millions) | 6.0470% | 2,724 |
| Cash dividends to net income (ytd only)* | 20.6531% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5007% | 221 |
| Loan loss allowance to noncurrent loans | 942.8862% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.1115% | 2,743 |
| Noncurrent loans to loans | 0.2652% | 2,196 |
| Net loans and leases to total assets | 40.9700% | 4,002 |
| Net loans and leases to deposits | 43.7221% | 4,106 |
| Net loans and leases to core deposits | 44.6491% | 4,154 |
| Total domestic deposits to total assets | 93.7100% | 200 |
| Equity capital to assets | 5.4949% | 4,340 |
| Core capital (leverage) ratio | 7.7615% | 4,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2343% | 959 |
| Memoranda: | ||
| Average total assets | $439,442,500 | 1,908 |
| Average earning assets | $416,842,500 | 1,875 |
| Average equity | $23,545,500 | 2,621 |
| Average total loans | $183,944,500 | 2,422 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9478% | 4,194 |
| Cost of funding earning assets | 0.2120% | 3,663 |
| Net interest margin | 2.7358% | 4,001 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.2333% | 2,935 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6481% | 3,763 |
| Return on assets (ROA) | 0.6481% | 3,713 |
| Pretax return on assets | 0.8153% | 3,585 |
| Return on Equity (ROE) | 11.4000% | 2,344 |
| Retained earnings to average equity (ytd only) | 9.9894% | 1,154 |
| Net charge-offs to loans | 0.1755% | 474 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 11.8911% | 2,134 |
| Efficiency ratio | 73.2556% | 1,290 |
| Assets per employee ($millions) | 6.1614% | 2,632 |
| Cash dividends to net income (ytd only)* | 12.3603% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5447% | 204 |
| Loan loss allowance to noncurrent loans | 937.5758% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.1132% | 2,734 |
| Noncurrent loans to loans | 0.2714% | 2,181 |
| Net loans and leases to total assets | 40.6300% | 4,044 |
| Net loans and leases to deposits | 43.1934% | 4,141 |
| Net loans and leases to core deposits | 43.8613% | 4,184 |
| Total domestic deposits to total assets | 94.0700% | 235 |
| Equity capital to assets | 5.2199% | 4,311 |
| Core capital (leverage) ratio | 7.4535% | 4,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0150% | 976 |
| Memoranda: | ||
| Average total assets | $441,897,200 | 1,881 |
| Average earning assets | $420,749,600 | 1,847 |
| Average equity | $25,126,600 | 2,574 |
| Average total loans | $172,635,200 | 2,431 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6446% | 4,350 |
| Cost of funding earning assets | 0.1819% | 3,498 |
| Net interest margin | 2.4627% | 4,246 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.1967% | 2,944 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4782% | 4,122 |
| Return on assets (ROA) | 0.4782% | 4,071 |
| Pretax return on assets | 0.5872% | 4,012 |
| Return on Equity (ROE) | 8.2400% | 3,260 |
| Retained earnings to average equity (ytd only) | 6.9260% | 2,388 |
| Net charge-offs to loans | 0.2436% | 280 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 6.2733% | 2,120 |
| Efficiency ratio | 78.9081% | 845 |
| Assets per employee ($millions) | 6.2710% | 2,513 |
| Cash dividends to net income (ytd only)* | 15.9849% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6393% | 198 |
| Loan loss allowance to noncurrent loans | 874.3396% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.1190% | 2,776 |
| Noncurrent loans to loans | 0.3019% | 2,162 |
| Net loans and leases to total assets | 38.3900% | 4,132 |
| Net loans and leases to deposits | 40.5422% | 4,222 |
| Net loans and leases to core deposits | 41.0921% | 4,246 |
| Total domestic deposits to total assets | 94.7000% | 258 |
| Equity capital to assets | 4.6080% | 4,376 |
| Core capital (leverage) ratio | 7.2157% | 4,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7444% | 1,038 |
| Memoranda: | ||
| Average total assets | $443,007,250 | 1,884 |
| Average earning assets | $422,239,500 | 1,850 |
| Average equity | $25,699,500 | 2,587 |
| Average total loans | $170,198,500 | 2,455 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3625% | 4,481 |
| Cost of funding earning assets | 0.1768% | 3,220 |
| Net interest margin | 2.1857% | 4,451 |
| Noninterest income to average assets | 0.4301% | 2,569 |
| Noninterest expense to average assets | 2.1309% | 3,062 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3251% | 4,245 |
| Return on assets (ROA) | 0.3251% | 4,197 |
| Pretax return on assets | 0.3848% | 4,182 |
| Return on Equity (ROE) | 5.2430% | 3,769 |
| Retained earnings to average equity (ytd only) | 3.3908% | 3,314 |
| Net charge-offs to loans | 0.3658% | 187 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 2.7630% | 2,017 |
| Efficiency ratio | 84.7025% | 641 |
| Assets per employee ($millions) | 6.5073% | 2,309 |
| Cash dividends to net income (ytd only)* | 35.3268% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6985% | 197 |
| Loan loss allowance to noncurrent loans | 452.7344% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.2281% | 2,180 |
| Noncurrent loans to loans | 0.5961% | 1,419 |
| Net loans and leases to total assets | 37.2289% | 4,200 |
| Net loans and leases to deposits | 39.3680% | 4,290 |
| Net loans and leases to core deposits | 40.0395% | 4,315 |
| Total domestic deposits to total assets | 94.5664% | 194 |
| Equity capital to assets | 4.8420% | 4,504 |
| Core capital (leverage) ratio | 7.1570% | 4,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7273% | 1,031 |
| Memoranda: | ||
| Average total assets | $442,261,667 | 1,896 |
| Average earning assets | $422,017,333 | 1,877 |
| Average equity | $27,427,000 | 2,557 |
| Average total loans | $168,405,333 | 2,478 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2222% | 4,520 |
| Cost of funding earning assets | 0.1772% | 3,120 |
| Net interest margin | 2.0449% | 4,484 |
| Noninterest income to average assets | 0.4493% | 2,392 |
| Noninterest expense to average assets | 2.1463% | 2,994 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2288% | 4,285 |
| Return on assets (ROA) | 0.2288% | 4,251 |
| Pretax return on assets | 0.2588% | 4,255 |
| Return on Equity (ROE) | 3.3168% | 4,029 |
| Retained earnings to average equity (ytd only) | 3.3168% | 3,165 |
| Net charge-offs to loans | 0.5806% | 119 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 1.1736% | 1,748 |
| Efficiency ratio | 89.2383% | 585 |
| Assets per employee ($millions) | 6.4719% | 2,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8586% | 179 |
| Loan loss allowance to noncurrent loans | 360.3065% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.2965% | 1,935 |
| Noncurrent loans to loans | 0.7934% | 1,197 |
| Net loans and leases to total assets | 36.3073% | 4,188 |
| Net loans and leases to deposits | 39.0060% | 4,286 |
| Net loans and leases to core deposits | 39.6958% | 4,321 |
| Total domestic deposits to total assets | 93.0814% | 254 |
| Equity capital to assets | 6.3757% | 4,476 |
| Core capital (leverage) ratio | 7.3702% | 4,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8312% | 927 |
| Memoranda: | ||
| Average total assets | $438,889,500 | 1,913 |
| Average earning assets | $419,771,000 | 1,886 |
| Average equity | $30,270,000 | 2,469 |
| Average total loans | $166,710,000 | 2,494 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5201% | 4,462 |
| Cost of funding earning assets | 0.1806% | 3,653 |
| Net interest margin | 2.3395% | 4,382 |
| Noninterest income to average assets | 0.5324% | 2,428 |
| Noninterest expense to average assets | 2.3554% | 2,641 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3471% | 4,353 |
| Return on assets (ROA) | 0.3471% | 4,377 |
| Pretax return on assets | 0.4124% | 4,379 |
| Return on Equity (ROE) | 4.4842% | 4,105 |
| Retained earnings to average equity (ytd only) | 1.9665% | 3,985 |
| Net charge-offs to loans | -0.2411% | 4,729 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1012% | 512 |
| Assets per employee ($millions) | 6.0790% | 2,686 |
| Cash dividends to net income (ytd only)* | 56.1453% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9266% | 158 |
| Loan loss allowance to noncurrent loans | 653.9683% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 2,725 |
| Noncurrent loans to loans | 0.4475% | 2,016 |
| Net loans and leases to total assets | 37.4670% | 4,223 |
| Net loans and leases to deposits | 40.7190% | 4,320 |
| Net loans and leases to core deposits | 41.3840% | 4,358 |
| Total domestic deposits to total assets | 92.0135% | 174 |
| Equity capital to assets | 7.4210% | 4,616 |
| Core capital (leverage) ratio | 7.4047% | 4,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4976% | 1,163 |
| Memoranda: | ||
| Average total assets | $412,503,400 | 1,949 |
| Average earning assets | $394,147,400 | 1,926 |
| Average equity | $31,934,600 | 2,427 |
| Average total loans | $167,972,200 | 2,483 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4373% | 4,611 |
| Cost of funding earning assets | 0.1815% | 3,801 |
| Net interest margin | 2.2557% | 4,523 |
| Noninterest income to average assets | 0.5455% | 2,431 |
| Noninterest expense to average assets | 2.3597% | 2,566 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2921% | 4,529 |
| Return on assets (ROA) | 0.2921% | 4,552 |
| Pretax return on assets | 0.3394% | 4,558 |
| Return on Equity (ROE) | 3.7318% | 4,344 |
| Retained earnings to average equity (ytd only) | 1.3250% | 4,347 |
| Net charge-offs to loans | -0.3188% | 4,811 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4255% | 381 |
| Assets per employee ($millions) | 5.7015% | 2,990 |
| Cash dividends to net income (ytd only)* | 64.4944% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1096% | 139 |
| Loan loss allowance to noncurrent loans | 612.2677% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.1913% | 2,843 |
| Noncurrent loans to loans | 0.5079% | 2,038 |
| Net loans and leases to total assets | 36.4899% | 4,364 |
| Net loans and leases to deposits | 39.8506% | 4,454 |
| Net loans and leases to core deposits | 40.5275% | 4,498 |
| Total domestic deposits to total assets | 91.5667% | 222 |
| Equity capital to assets | 7.6976% | 4,652 |
| Core capital (leverage) ratio | 7.4957% | 4,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6844% | 862 |
| Memoranda: | ||
| Average total assets | $406,207,000 | 1,989 |
| Average earning assets | $387,799,250 | 1,960 |
| Average equity | $31,798,000 | 2,468 |
| Average total loans | $167,732,000 | 2,522 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4048% | 4,671 |
| Cost of funding earning assets | 0.1819% | 3,929 |
| Net interest margin | 2.2228% | 4,580 |
| Noninterest income to average assets | 0.5796% | 2,296 |
| Noninterest expense to average assets | 2.3847% | 2,517 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2738% | 4,558 |
| Return on assets (ROA) | 0.2738% | 4,573 |
| Pretax return on assets | 0.3157% | 4,572 |
| Return on Equity (ROE) | 3.4778% | 4,412 |
| Retained earnings to average equity (ytd only) | -0.1584% | 4,533 |
| Net charge-offs to loans | -0.0375% | 4,247 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3081% | 390 |
| Assets per employee ($millions) | 5.9135% | 2,703 |
| Cash dividends to net income (ytd only)* | 104.5537% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7964% | 190 |
| Loan loss allowance to noncurrent loans | 518.3673% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.2072% | 2,907 |
| Noncurrent loans to loans | 0.5395% | 2,051 |
| Net loans and leases to total assets | 37.3264% | 4,413 |
| Net loans and leases to deposits | 40.6767% | 4,504 |
| Net loans and leases to core deposits | 41.4369% | 4,540 |
| Total domestic deposits to total assets | 91.7635% | 179 |
| Equity capital to assets | 7.5049% | 4,739 |
| Core capital (leverage) ratio | 7.8441% | 4,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9096% | 974 |
| Memoranda: | ||
| Average total assets | $400,973,000 | 2,002 |
| Average earning assets | $382,576,000 | 1,969 |
| Average equity | $31,571,667 | 2,470 |
| Average total loans | $170,677,667 | 2,505 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2065% | 4,792 |
| Cost of funding earning assets | 0.1922% | 3,988 |
| Net interest margin | 2.0142% | 4,723 |
| Noninterest income to average assets | 0.6187% | 2,134 |
| Noninterest expense to average assets | 2.2894% | 2,824 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2244% | 4,615 |
| Return on assets (ROA) | 0.2244% | 4,639 |
| Pretax return on assets | 0.2491% | 4,645 |
| Return on Equity (ROE) | 2.7788% | 4,509 |
| Retained earnings to average equity (ytd only) | -0.3442% | 4,394 |
| Net charge-offs to loans | -0.0413% | 4,321 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1865% | 365 |
| Assets per employee ($millions) | 5.7828% | 2,815 |
| Cash dividends to net income (ytd only)* | 112.3853% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6765% | 205 |
| Loan loss allowance to noncurrent loans | 658.6705% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.1760% | 3,290 |
| Noncurrent loans to loans | 0.4063% | 2,649 |
| Net loans and leases to total assets | 42.1485% | 4,225 |
| Net loans and leases to deposits | 46.0791% | 4,349 |
| Net loans and leases to core deposits | 46.9954% | 4,408 |
| Total domestic deposits to total assets | 91.4699% | 249 |
| Equity capital to assets | 7.8946% | 4,548 |
| Core capital (leverage) ratio | 8.1615% | 4,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9897% | 791 |
| Memoranda: | ||
| Average total assets | $388,572,500 | 2,034 |
| Average earning assets | $370,368,500 | 1,999 |
| Average equity | $31,380,500 | 2,472 |
| Average total loans | $174,267,500 | 2,483 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8204% | 4,740 |
| Cost of funding earning assets | 0.3103% | 4,085 |
| Net interest margin | 2.5101% | 4,579 |
| Noninterest income to average assets | 0.6724% | 1,945 |
| Noninterest expense to average assets | 2.5928% | 2,574 |
| Loan and lease loss provision to assets | 0.0914% | 3,215 |
| Net operating income to assets | 0.2924% | 4,441 |
| Return on assets (ROA) | 0.2955% | 4,502 |
| Pretax return on assets | 0.3545% | 4,479 |
| Return on Equity (ROE) | 3.2645% | 4,312 |
| Retained earnings to average equity (ytd only) | 1.6130% | 3,990 |
| Net charge-offs to loans | -0.0646% | 4,725 |
| Credit loss provision to net charge-offs | -291.6667% | 3,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4314% | 550 |
| Assets per employee ($millions) | 5.4072% | 2,945 |
| Cash dividends to net income (ytd only)* | 50.5894% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5472% | 247 |
| Loan loss allowance to noncurrent loans | 920.8925% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.1284% | 3,643 |
| Noncurrent loans to loans | 0.2766% | 3,200 |
| Net loans and leases to total assets | 45.2434% | 4,177 |
| Net loans and leases to deposits | 49.6523% | 4,330 |
| Net loans and leases to core deposits | 50.7039% | 4,395 |
| Total domestic deposits to total assets | 91.1206% | 197 |
| Equity capital to assets | 8.2615% | 4,594 |
| Core capital (leverage) ratio | 8.6142% | 4,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1807% | 754 |
| Memoranda: | ||
| Average total assets | $344,457,800 | 2,080 |
| Average earning assets | $324,212,200 | 2,061 |
| Average equity | $31,184,200 | 2,420 |
| Average total loans | $167,055,200 | 2,512 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9628% | 4,758 |
| Cost of funding earning assets | 0.3459% | 4,079 |
| Net interest margin | 2.6169% | 4,553 |
| Noninterest income to average assets | 0.6523% | 1,980 |
| Noninterest expense to average assets | 2.6184% | 2,488 |
| Loan and lease loss provision to assets | 0.0858% | 3,239 |
| Net operating income to assets | 0.3309% | 4,391 |
| Return on assets (ROA) | 0.3351% | 4,439 |
| Pretax return on assets | 0.4076% | 4,423 |
| Return on Equity (ROE) | 3.6112% | 4,267 |
| Retained earnings to average equity (ytd only) | 1.3998% | 4,115 |
| Net charge-offs to loans | -0.0852% | 4,793 |
| Credit loss provision to net charge-offs | -204.7619% | 3,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2868% | 584 |
| Assets per employee ($millions) | 4.4670% | 3,883 |
| Cash dividends to net income (ytd only)* | 61.2366% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5489% | 213 |
| Loan loss allowance to noncurrent loans | 1,726.4591% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0719% | 4,075 |
| Noncurrent loans to loans | 0.1476% | 3,793 |
| Net loans and leases to total assets | 47.4685% | 4,240 |
| Net loans and leases to deposits | 52.4710% | 4,391 |
| Net loans and leases to core deposits | 53.7911% | 4,459 |
| Total domestic deposits to total assets | 90.4663% | 293 |
| Equity capital to assets | 8.7919% | 4,262 |
| Core capital (leverage) ratio | 8.7028% | 4,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3577% | 632 |
| Memoranda: | ||
| Average total assets | $334,594,250 | 2,099 |
| Average earning assets | $313,795,250 | 2,085 |
| Average equity | $31,051,000 | 2,421 |
| Average total loans | $164,260,250 | 2,539 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0918% | 4,789 |
| Cost of funding earning assets | 0.4021% | 4,024 |
| Net interest margin | 2.6897% | 4,563 |
| Noninterest income to average assets | 0.5657% | 2,277 |
| Noninterest expense to average assets | 2.6397% | 2,551 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3548% | 4,324 |
| Return on assets (ROA) | 0.3602% | 4,369 |
| Pretax return on assets | 0.4446% | 4,340 |
| Return on Equity (ROE) | 3.8088% | 4,163 |
| Retained earnings to average equity (ytd only) | 0.4785% | 4,217 |
| Net charge-offs to loans | -0.1292% | 4,889 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7711% | 546 |
| Assets per employee ($millions) | 4.6671% | 3,569 |
| Cash dividends to net income (ytd only)* | 87.4363% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4128% | 247 |
| Loan loss allowance to noncurrent loans | 2,142.1320% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 4,256 |
| Noncurrent loans to loans | 0.1126% | 4,001 |
| Net loans and leases to total assets | 47.4956% | 4,284 |
| Net loans and leases to deposits | 52.4871% | 4,428 |
| Net loans and leases to core deposits | 53.7964% | 4,504 |
| Total domestic deposits to total assets | 90.4900% | 273 |
| Equity capital to assets | 8.6602% | 4,383 |
| Core capital (leverage) ratio | 9.1219% | 3,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0483% | 897 |
| Memoranda: | ||
| Average total assets | $327,004,667 | 2,107 |
| Average earning assets | $305,391,667 | 2,103 |
| Average equity | $30,928,333 | 2,414 |
| Average total loans | $160,989,667 | 2,556 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4550% | 4,681 |
| Cost of funding earning assets | 0.5314% | 3,781 |
| Net interest margin | 2.9236% | 4,398 |
| Noninterest income to average assets | 0.5225% | 2,429 |
| Noninterest expense to average assets | 2.7977% | 2,435 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3662% | 4,205 |
| Return on assets (ROA) | 0.3745% | 4,228 |
| Pretax return on assets | 0.4607% | 4,188 |
| Return on Equity (ROE) | 3.7754% | 4,017 |
| Retained earnings to average equity (ytd only) | 0.3373% | 3,912 |
| Net charge-offs to loans | -0.0156% | 4,235 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1331% | 695 |
| Assets per employee ($millions) | 4.1068% | 3,775 |
| Cash dividends to net income (ytd only)* | 91.0653% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7036% | 194 |
| Loan loss allowance to noncurrent loans | 1,230.4478% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 4,073 |
| Noncurrent loans to loans | 0.2197% | 3,697 |
| Net loans and leases to total assets | 48.1608% | 4,328 |
| Net loans and leases to deposits | 53.9232% | 4,449 |
| Net loans and leases to core deposits | 55.5157% | 4,513 |
| Total domestic deposits to total assets | 89.3136% | 542 |
| Equity capital to assets | 10.0053% | 3,778 |
| Core capital (leverage) ratio | 10.0643% | 3,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6218% | 685 |
| Memoranda: | ||
| Average total assets | $310,823,000 | 2,149 |
| Average earning assets | $289,784,000 | 2,137 |
| Average equity | $30,831,500 | 2,412 |
| Average total loans | $154,032,500 | 2,599 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7653% | 4,616 |
| Cost of funding earning assets | 0.5531% | 3,858 |
| Net interest margin | 3.2123% | 4,158 |
| Noninterest income to average assets | 0.6170% | 2,153 |
| Noninterest expense to average assets | 2.7373% | 2,782 |
| Loan and lease loss provision to assets | 0.0287% | 3,441 |
| Net operating income to assets | 0.6695% | 3,953 |
| Return on assets (ROA) | 0.6695% | 4,028 |
| Pretax return on assets | 0.8599% | 3,854 |
| Return on Equity (ROE) | 6.7881% | 3,628 |
| Retained earnings to average equity (ytd only) | 4.7473% | 2,556 |
| Net charge-offs to loans | -0.0146% | 4,563 |
| Credit loss provision to net charge-offs | -378.2609% | 4,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4937% | 1,423 |
| Assets per employee ($millions) | 4.0210% | 3,875 |
| Cash dividends to net income (ytd only)* | 30.0641% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6458% | 178 |
| Loan loss allowance to noncurrent loans | 321.3895% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.4084% | 2,761 |
| Noncurrent loans to loans | 0.8232% | 1,861 |
| Net loans and leases to total assets | 48.3000% | 4,414 |
| Net loans and leases to deposits | 53.9785% | 4,530 |
| Net loans and leases to core deposits | 55.4873% | 4,605 |
| Total domestic deposits to total assets | 89.4799% | 496 |
| Equity capital to assets | 9.8349% | 4,071 |
| Core capital (leverage) ratio | 10.2189% | 3,278 |
| Tier 1 risk-based capital ratio | 20.2124% | 1,298 |
| Total risk-based capital ratio | 21.4800% | 1,268 |
| Memoranda: | ||
| Average total assets | $303,069,600 | 2,151 |
| Average earning assets | $283,880,200 | 2,122 |
| Average equity | $29,890,400 | 2,403 |
| Average total loans | $157,020,800 | 2,545 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8339% | 4,631 |
| Cost of funding earning assets | 0.5461% | 3,954 |
| Net interest margin | 3.2877% | 4,107 |
| Noninterest income to average assets | 0.6107% | 2,149 |
| Noninterest expense to average assets | 2.7733% | 2,643 |
| Loan and lease loss provision to assets | 0.0386% | 3,129 |
| Net operating income to assets | 0.6843% | 4,060 |
| Return on assets (ROA) | 0.6843% | 4,122 |
| Pretax return on assets | 0.8792% | 3,939 |
| Return on Equity (ROE) | 6.9337% | 3,705 |
| Retained earnings to average equity (ytd only) | 4.1908% | 3,303 |
| Net charge-offs to loans | -0.0161% | 4,524 |
| Credit loss provision to net charge-offs | -457.8947% | 4,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1353% | 1,432 |
| Assets per employee ($millions) | 4.0568% | 3,829 |
| Cash dividends to net income (ytd only)* | 39.5588% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6531% | 184 |
| Loan loss allowance to noncurrent loans | 303.7666% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.4572% | 2,697 |
| Noncurrent loans to loans | 0.8734% | 1,834 |
| Net loans and leases to total assets | 50.9593% | 4,375 |
| Net loans and leases to deposits | 57.2995% | 4,498 |
| Net loans and leases to core deposits | 58.6250% | 4,580 |
| Total domestic deposits to total assets | 88.9351% | 633 |
| Equity capital to assets | 10.2555% | 3,771 |
| Core capital (leverage) ratio | 10.2324% | 3,384 |
| Tier 1 risk-based capital ratio | 20.0041% | 1,358 |
| Total risk-based capital ratio | 21.2720% | 1,329 |
| Memoranda: | ||
| Average total assets | $300,427,500 | 2,181 |
| Average earning assets | $281,482,500 | 2,155 |
| Average equity | $29,651,500 | 2,430 |
| Average total loans | $157,375,000 | 2,568 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7801% | 4,739 |
| Cost of funding earning assets | 0.5228% | 4,018 |
| Net interest margin | 3.2574% | 4,226 |
| Noninterest income to average assets | 0.5791% | 2,251 |
| Noninterest expense to average assets | 2.7603% | 2,720 |
| Loan and lease loss provision to assets | 0.0497% | 2,826 |
| Net operating income to assets | 0.6440% | 4,186 |
| Return on assets (ROA) | 0.6440% | 4,233 |
| Pretax return on assets | 0.8242% | 4,035 |
| Return on Equity (ROE) | 6.6096% | 3,836 |
| Retained earnings to average equity (ytd only) | 4.1616% | 3,166 |
| Net charge-offs to loans | 0.0278% | 2,298 |
| Credit loss provision to net charge-offs | 340.9091% | 823 |
| Earnings coverage of net charge-offs (x) | 59.9545% | 983 |
| Efficiency ratio | 75.9526% | 1,401 |
| Assets per employee ($millions) | 4.2661% | 3,485 |
| Cash dividends to net income (ytd only)* | 37.0370% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5842% | 199 |
| Loan loss allowance to noncurrent loans | 298.0176% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.4434% | 2,747 |
| Noncurrent loans to loans | 0.8671% | 1,872 |
| Net loans and leases to total assets | 49.8149% | 4,481 |
| Net loans and leases to deposits | 55.6662% | 4,609 |
| Net loans and leases to core deposits | 56.8955% | 4,683 |
| Total domestic deposits to total assets | 89.4886% | 481 |
| Equity capital to assets | 9.7766% | 4,160 |
| Core capital (leverage) ratio | 10.2806% | 3,305 |
| Tier 1 risk-based capital ratio | 19.3763% | 1,467 |
| Total risk-based capital ratio | 20.6433% | 1,431 |
| Memoranda: | ||
| Average total assets | $301,855,330 | 2,176 |
| Average earning assets | $283,113,330 | 2,146 |
| Average equity | $29,411,670 | 2,433 |
| Average total loans | $158,158,000 | 2,565 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7950% | 4,715 |
| Cost of funding earning assets | 0.4956% | 4,080 |
| Net interest margin | 3.2995% | 4,165 |
| Noninterest income to average assets | 0.5602% | 2,228 |
| Noninterest expense to average assets | 2.8075% | 2,543 |
| Loan and lease loss provision to assets | 0.0495% | 2,669 |
| Net operating income to assets | 0.6270% | 4,156 |
| Return on assets (ROA) | 0.6270% | 4,198 |
| Pretax return on assets | 0.8008% | 4,041 |
| Return on Equity (ROE) | 6.4462% | 3,861 |
| Retained earnings to average equity (ytd only) | 1.9105% | 4,089 |
| Net charge-offs to loans | 0.0529% | 1,529 |
| Credit loss provision to net charge-offs | 176.1905% | 1,131 |
| Earnings coverage of net charge-offs (x) | 30.2857% | 1,325 |
| Efficiency ratio | 76.7544% | 1,409 |
| Assets per employee ($millions) | 4.0134% | 3,901 |
| Cash dividends to net income (ytd only)* | 70.3625% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5844% | 223 |
| Loan loss allowance to noncurrent loans | 308.6723% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.4447% | 2,820 |
| Noncurrent loans to loans | 0.8373% | 1,964 |
| Net loans and leases to total assets | 51.7462% | 4,356 |
| Net loans and leases to deposits | 57.9479% | 4,506 |
| Net loans and leases to core deposits | 59.2332% | 4,600 |
| Total domestic deposits to total assets | 89.2978% | 730 |
| Equity capital to assets | 9.9949% | 3,832 |
| Core capital (leverage) ratio | 9.9669% | 3,638 |
| Tier 1 risk-based capital ratio | 19.1331% | 1,521 |
| Total risk-based capital ratio | 20.3997% | 1,487 |
| Memoranda: | ||
| Average total assets | $299,202,500 | 2,200 |
| Average earning assets | $280,894,000 | 2,172 |
| Average equity | $29,102,500 | 2,459 |
| Average total loans | $158,701,500 | 2,575 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5738% | 4,829 |
| Cost of funding earning assets | 0.2954% | 4,590 |
| Net interest margin | 3.2784% | 4,315 |
| Noninterest income to average assets | 0.5699% | 2,451 |
| Noninterest expense to average assets | 2.7625% | 2,816 |
| Loan and lease loss provision to assets | 0.0449% | 3,281 |
| Net operating income to assets | 0.6846% | 4,184 |
| Return on assets (ROA) | 0.6846% | 4,188 |
| Pretax return on assets | 0.8293% | 4,092 |
| Return on Equity (ROE) | 7.3312% | 3,718 |
| Retained earnings to average equity (ytd only) | 6.1277% | 2,130 |
| Net charge-offs to loans | 0.0132% | 3,237 |
| Credit loss provision to net charge-offs | 642.8571% | 536 |
| Earnings coverage of net charge-offs (x) | 125.1905% | 634 |
| Efficiency ratio | 75.9623% | 1,373 |
| Assets per employee ($millions) | 4.1839% | 3,635 |
| Cash dividends to net income (ytd only)* | 16.4157% | 3,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4763% | 238 |
| Loan loss allowance to noncurrent loans | 1,040.5195% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.1261% | 4,192 |
| Noncurrent loans to loans | 0.2380% | 3,728 |
| Net loans and leases to total assets | 51.6556% | 4,423 |
| Net loans and leases to deposits | 57.4859% | 4,593 |
| Net loans and leases to core deposits | 58.4849% | 4,686 |
| Total domestic deposits to total assets | 89.8578% | 522 |
| Equity capital to assets | 9.4694% | 4,153 |
| Core capital (leverage) ratio | 9.9801% | 3,605 |
| Tier 1 risk-based capital ratio | 18.4754% | 1,623 |
| Total risk-based capital ratio | 19.7412% | 1,574 |
| Memoranda: | ||
| Average total assets | $300,739,200 | 2,153 |
| Average earning assets | $281,323,000 | 2,128 |
| Average equity | $28,085,600 | 2,453 |
| Average total loans | $158,618,200 | 2,543 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5213% | 4,912 |
| Cost of funding earning assets | 0.2573% | 4,748 |
| Net interest margin | 3.2640% | 4,371 |
| Noninterest income to average assets | 0.5710% | 2,469 |
| Noninterest expense to average assets | 2.8329% | 2,522 |
| Loan and lease loss provision to assets | 0.0534% | 2,907 |
| Net operating income to assets | 0.5790% | 4,555 |
| Return on assets (ROA) | 0.5790% | 4,564 |
| Pretax return on assets | 0.7339% | 4,461 |
| Return on Equity (ROE) | 6.2225% | 4,194 |
| Retained earnings to average equity (ytd only) | 5.0842% | 3,190 |
| Net charge-offs to loans | 0.0203% | 2,733 |
| Credit loss provision to net charge-offs | 500.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 73.7066% | 923 |
| Efficiency ratio | 78.2518% | 1,095 |
| Assets per employee ($millions) | 3.9458% | 3,973 |
| Cash dividends to net income (ytd only)* | 18.2939% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5284% | 233 |
| Loan loss allowance to noncurrent loans | 1,004.5340% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 4,247 |
| Noncurrent loans to loans | 0.2517% | 3,788 |
| Net loans and leases to total assets | 52.6518% | 4,449 |
| Net loans and leases to deposits | 58.7429% | 4,606 |
| Net loans and leases to core deposits | 60.0367% | 4,701 |
| Total domestic deposits to total assets | 89.6309% | 624 |
| Equity capital to assets | 9.6804% | 3,929 |
| Core capital (leverage) ratio | 9.6661% | 3,979 |
| Tier 1 risk-based capital ratio | 18.2320% | 1,732 |
| Total risk-based capital ratio | 19.4976% | 1,684 |
| Memoranda: | ||
| Average total assets | $299,567,250 | 2,167 |
| Average earning assets | $279,851,250 | 2,144 |
| Average equity | $27,876,500 | 2,470 |
| Average total loans | $157,828,750 | 2,563 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4020% | 5,040 |
| Cost of funding earning assets | 0.2120% | 4,964 |
| Net interest margin | 3.1900% | 4,529 |
| Noninterest income to average assets | 0.5674% | 2,490 |
| Noninterest expense to average assets | 2.8164% | 2,616 |
| Loan and lease loss provision to assets | 0.0497% | 2,920 |
| Net operating income to assets | 0.5396% | 4,651 |
| Return on assets (ROA) | 0.5396% | 4,658 |
| Pretax return on assets | 0.6806% | 4,555 |
| Return on Equity (ROE) | 5.8746% | 4,282 |
| Retained earnings to average equity (ytd only) | 5.8746% | 2,624 |
| Net charge-offs to loans | 0.0697% | 1,642 |
| Credit loss provision to net charge-offs | 136.3636% | 1,672 |
| Earnings coverage of net charge-offs (x) | 20.0545% | 1,827 |
| Efficiency ratio | 79.4101% | 1,079 |
| Assets per employee ($millions) | 4.2404% | 3,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5206% | 241 |
| Loan loss allowance to noncurrent loans | 815.0000% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.1572% | 4,206 |
| Noncurrent loans to loans | 0.3093% | 3,600 |
| Net loans and leases to total assets | 49.5526% | 4,631 |
| Net loans and leases to deposits | 54.9517% | 4,802 |
| Net loans and leases to core deposits | 56.0962% | 4,868 |
| Total domestic deposits to total assets | 90.1748% | 514 |
| Equity capital to assets | 9.1852% | 4,394 |
| Core capital (leverage) ratio | 9.7215% | 3,859 |
| Tier 1 risk-based capital ratio | 19.0373% | 1,541 |
| Total risk-based capital ratio | 20.3043% | 1,503 |
| Memoranda: | ||
| Average total assets | $302,092,330 | 2,158 |
| Average earning assets | $282,131,330 | 2,144 |
| Average equity | $27,746,670 | 2,485 |
| Average total loans | $157,862,670 | 2,572 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4242% | 4,987 |
| Cost of funding earning assets | 0.1771% | 5,129 |
| Net interest margin | 3.2471% | 4,322 |
| Noninterest income to average assets | 0.5764% | 2,388 |
| Noninterest expense to average assets | 2.8581% | 2,505 |
| Loan and lease loss provision to assets | 0.0599% | 2,571 |
| Net operating income to assets | 0.5365% | 4,614 |
| Return on assets (ROA) | 0.5365% | 4,617 |
| Pretax return on assets | 0.6856% | 4,486 |
| Return on Equity (ROE) | 5.8409% | 4,210 |
| Retained earnings to average equity (ytd only) | 5.8409% | 2,786 |
| Net charge-offs to loans | 0.1206% | 1,063 |
| Credit loss provision to net charge-offs | 93.7500% | 1,644 |
| Earnings coverage of net charge-offs (x) | 11.6667% | 1,833 |
| Efficiency ratio | 79.3129% | 1,219 |
| Assets per employee ($millions) | 3.9416% | 4,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4765% | 259 |
| Loan loss allowance to noncurrent loans | 1,398.9209% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0953% | 4,621 |
| Noncurrent loans to loans | 0.1770% | 4,179 |
| Net loans and leases to total assets | 52.5048% | 4,403 |
| Net loans and leases to deposits | 58.4499% | 4,567 |
| Net loans and leases to core deposits | 59.7276% | 4,672 |
| Total domestic deposits to total assets | 89.8286% | 724 |
| Equity capital to assets | 9.4946% | 4,094 |
| Core capital (leverage) ratio | 9.2568% | 4,369 |
| Tier 1 risk-based capital ratio | 17.5699% | 1,954 |
| Total risk-based capital ratio | 18.8356% | 1,904 |
| Memoranda: | ||
| Average total assets | $300,484,500 | 2,190 |
| Average earning assets | $280,123,000 | 2,180 |
| Average equity | $27,598,500 | 2,520 |
| Average total loans | $159,194,000 | 2,576 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2304% | 5,158 |
| Cost of funding earning assets | 0.1782% | 5,108 |
| Net interest margin | 3.0522% | 4,783 |
| Noninterest income to average assets | 0.6331% | 2,284 |
| Noninterest expense to average assets | 2.7291% | 3,033 |
| Loan and lease loss provision to assets | 0.0099% | 4,081 |
| Net operating income to assets | 0.3810% | 4,752 |
| Return on assets (ROA) | 0.3874% | 4,744 |
| Pretax return on assets | 0.7326% | 4,434 |
| Return on Equity (ROE) | 4.2930% | 4,411 |
| Retained earnings to average equity (ytd only) | 2.7052% | 3,695 |
| Net charge-offs to loans | -0.0348% | 5,094 |
| Credit loss provision to net charge-offs | -54.5455% | 4,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8369% | 1,244 |
| Assets per employee ($millions) | 4.1796% | 3,691 |
| Cash dividends to net income (ytd only)* | 36.9863% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4121% | 276 |
| Loan loss allowance to noncurrent loans | 2,800.0000% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 4,910 |
| Noncurrent loans to loans | 0.0861% | 4,619 |
| Net loans and leases to total assets | 50.9106% | 4,597 |
| Net loans and leases to deposits | 56.2592% | 4,788 |
| Net loans and leases to core deposits | 57.4100% | 4,879 |
| Total domestic deposits to total assets | 90.4930% | 399 |
| Equity capital to assets | 8.8924% | 4,822 |
| Core capital (leverage) ratio | 9.0230% | 4,621 |
| Tier 1 risk-based capital ratio | 17.1935% | 2,028 |
| Total risk-based capital ratio | 18.4583% | 1,979 |
| Memoranda: | ||
| Average total assets | $301,524,400 | 2,158 |
| Average earning assets | $279,435,600 | 2,156 |
| Average equity | $27,207,000 | 2,534 |
| Average total loans | $157,922,000 | 2,570 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2039% | 5,224 |
| Cost of funding earning assets | 0.1811% | 5,132 |
| Net interest margin | 3.0228% | 4,868 |
| Noninterest income to average assets | 0.6119% | 2,411 |
| Noninterest expense to average assets | 2.7295% | 2,959 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4766% | 4,802 |
| Return on assets (ROA) | 0.4860% | 4,810 |
| Pretax return on assets | 0.6965% | 4,618 |
| Return on Equity (ROE) | 5.3660% | 4,385 |
| Retained earnings to average equity (ytd only) | 3.2432% | 3,995 |
| Net charge-offs to loans | -0.0535% | 5,180 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9817% | 1,107 |
| Assets per employee ($millions) | 4.0225% | 3,953 |
| Cash dividends to net income (ytd only)* | 39.5608% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4376% | 287 |
| Loan loss allowance to noncurrent loans | 806.2500% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.2268% | 4,155 |
| Noncurrent loans to loans | 0.3023% | 3,856 |
| Net loans and leases to total assets | 52.0354% | 4,563 |
| Net loans and leases to deposits | 57.7558% | 4,775 |
| Net loans and leases to core deposits | 59.0489% | 4,863 |
| Total domestic deposits to total assets | 90.0955% | 443 |
| Equity capital to assets | 9.2501% | 4,686 |
| Core capital (leverage) ratio | 9.0820% | 4,650 |
| Tier 1 risk-based capital ratio | 17.6630% | 1,957 |
| Total risk-based capital ratio | 18.9285% | 1,890 |
| Memoranda: | ||
| Average total assets | $299,583,750 | 2,187 |
| Average earning assets | $277,573,750 | 2,185 |
| Average equity | $27,133,000 | 2,551 |
| Average total loans | $157,064,500 | 2,596 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0829% | 5,363 |
| Cost of funding earning assets | 0.1811% | 5,132 |
| Net interest margin | 2.9017% | 5,093 |
| Noninterest income to average assets | 0.6016% | 2,445 |
| Noninterest expense to average assets | 2.6987% | 3,092 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4182% | 4,938 |
| Return on assets (ROA) | 0.4323% | 4,917 |
| Pretax return on assets | 0.6122% | 4,774 |
| Return on Equity (ROE) | 4.8075% | 4,562 |
| Retained earnings to average equity (ytd only) | 3.0890% | 3,876 |
| Net charge-offs to loans | -0.1189% | 5,463 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0040% | 1,006 |
| Assets per employee ($millions) | 4.2648% | 3,500 |
| Cash dividends to net income (ytd only)* | 35.7473% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5038% | 282 |
| Loan loss allowance to noncurrent loans | 465.9498% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 4,018 |
| Noncurrent loans to loans | 0.5373% | 3,146 |
| Net loans and leases to total assets | 48.1202% | 4,820 |
| Net loans and leases to deposits | 53.0155% | 5,016 |
| Net loans and leases to core deposits | 54.1223% | 5,084 |
| Total domestic deposits to total assets | 90.7663% | 274 |
| Equity capital to assets | 8.6532% | 5,182 |
| Core capital (leverage) ratio | 9.4945% | 4,140 |
| Tier 1 risk-based capital ratio | 17.9857% | 1,857 |
| Total risk-based capital ratio | 19.2520% | 1,813 |
| Memoranda: | ||
| Average total assets | $300,224,000 | 2,189 |
| Average earning assets | $278,246,670 | 2,186 |
| Average equity | $26,999,330 | 2,563 |
| Average total loans | $156,499,330 | 2,609 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1214% | 5,343 |
| Cost of funding earning assets | 0.1861% | 5,101 |
| Net interest margin | 2.9353% | 5,016 |
| Noninterest income to average assets | 0.6262% | 2,289 |
| Noninterest expense to average assets | 2.7989% | 2,797 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3811% | 5,003 |
| Return on assets (ROA) | 0.4088% | 4,946 |
| Pretax return on assets | 0.5839% | 4,765 |
| Return on Equity (ROE) | 4.4553% | 4,616 |
| Retained earnings to average equity (ytd only) | 0.9983% | 4,661 |
| Net charge-offs to loans | -0.1504% | 5,567 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7219% | 996 |
| Assets per employee ($millions) | 3.8203% | 4,316 |
| Cash dividends to net income (ytd only)* | 77.5920% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5042% | 312 |
| Loan loss allowance to noncurrent loans | 402.7083% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.3595% | 3,761 |
| Noncurrent loans to loans | 0.6218% | 2,960 |
| Net loans and leases to total assets | 52.5307% | 4,471 |
| Net loans and leases to deposits | 58.3490% | 4,676 |
| Net loans and leases to core deposits | 59.5678% | 4,798 |
| Total domestic deposits to total assets | 90.0284% | 650 |
| Equity capital to assets | 9.3821% | 4,412 |
| Core capital (leverage) ratio | 9.4484% | 4,176 |
| Tier 1 risk-based capital ratio | 18.2302% | 1,796 |
| Total risk-based capital ratio | 19.4967% | 1,759 |
| Memoranda: | ||
| Average total assets | $292,538,500 | 2,249 |
| Average earning assets | $270,772,500 | 2,244 |
| Average equity | $26,844,500 | 2,584 |
| Average total loans | $156,866,500 | 2,623 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1238% | 5,383 |
| Cost of funding earning assets | 0.2047% | 4,971 |
| Net interest margin | 2.9191% | 5,100 |
| Noninterest income to average assets | 0.6852% | 2,241 |
| Noninterest expense to average assets | 2.7451% | 3,208 |
| Loan and lease loss provision to assets | 0.0178% | 4,025 |
| Net operating income to assets | 0.4367% | 4,832 |
| Return on assets (ROA) | 0.4369% | 4,919 |
| Pretax return on assets | 0.6227% | 4,729 |
| Return on Equity (ROE) | 4.6554% | 4,584 |
| Retained earnings to average equity (ytd only) | 3.2360% | 3,607 |
| Net charge-offs to loans | -0.1886% | 5,727 |
| Credit loss provision to net charge-offs | -17.1821% | 4,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0913% | 1,291 |
| Assets per employee ($millions) | 4.1466% | 3,714 |
| Cash dividends to net income (ytd only)* | 30.4878% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3890% | 362 |
| Loan loss allowance to noncurrent loans | 620.0326% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.2392% | 4,351 |
| Noncurrent loans to loans | 0.3853% | 3,759 |
| Net loans and leases to total assets | 52.1003% | 4,597 |
| Net loans and leases to deposits | 57.6068% | 4,821 |
| Net loans and leases to core deposits | 58.8244% | 4,916 |
| Total domestic deposits to total assets | 90.4412% | 467 |
| Equity capital to assets | 8.9790% | 4,841 |
| Core capital (leverage) ratio | 9.4151% | 4,204 |
| Tier 1 risk-based capital ratio | 17.7159% | 1,939 |
| Total risk-based capital ratio | 18.9811% | 1,897 |
| Memoranda: | ||
| Average total assets | $281,521,600 | 2,278 |
| Average earning assets | $260,385,000 | 2,280 |
| Average equity | $26,421,200 | 2,602 |
| Average total loans | $154,290,400 | 2,586 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1424% | 5,433 |
| Cost of funding earning assets | 0.2102% | 4,973 |
| Net interest margin | 2.9322% | 5,126 |
| Noninterest income to average assets | 0.6939% | 2,196 |
| Noninterest expense to average assets | 2.8309% | 2,904 |
| Loan and lease loss provision to assets | 0.0240% | 3,766 |
| Net operating income to assets | 0.3921% | 5,041 |
| Return on assets (ROA) | 0.3924% | 5,134 |
| Pretax return on assets | 0.5496% | 5,004 |
| Return on Equity (ROE) | 4.1329% | 4,856 |
| Retained earnings to average equity (ytd only) | 2.2336% | 4,579 |
| Net charge-offs to loans | -0.1943% | 5,754 |
| Credit loss provision to net charge-offs | -22.4215% | 4,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1615% | 1,057 |
| Assets per employee ($millions) | 3.8923% | 4,147 |
| Cash dividends to net income (ytd only)* | 45.9562% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4208% | 366 |
| Loan loss allowance to noncurrent loans | 552.2895% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.2780% | 4,314 |
| Noncurrent loans to loans | 0.4383% | 3,713 |
| Net loans and leases to total assets | 53.7798% | 4,509 |
| Net loans and leases to deposits | 59.8100% | 4,772 |
| Net loans and leases to core deposits | 61.2432% | 4,873 |
| Total domestic deposits to total assets | 89.9177% | 513 |
| Equity capital to assets | 9.4718% | 4,687 |
| Core capital (leverage) ratio | 9.4391% | 4,272 |
| Tier 1 risk-based capital ratio | 18.1181% | 1,883 |
| Total risk-based capital ratio | 19.3839% | 1,847 |
| Memoranda: | ||
| Average total assets | $277,263,750 | 2,311 |
| Average earning assets | $256,275,250 | 2,316 |
| Average equity | $26,324,750 | 2,632 |
| Average total loans | $153,024,500 | 2,610 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1353% | 5,511 |
| Cost of funding earning assets | 0.2121% | 5,017 |
| Net interest margin | 2.9232% | 5,226 |
| Noninterest income to average assets | 0.6747% | 2,253 |
| Noninterest expense to average assets | 2.8378% | 2,885 |
| Loan and lease loss provision to assets | 0.0362% | 3,433 |
| Net operating income to assets | 0.3658% | 5,134 |
| Return on assets (ROA) | 0.3663% | 5,222 |
| Pretax return on assets | 0.5053% | 5,115 |
| Return on Equity (ROE) | 3.8550% | 4,967 |
| Retained earnings to average equity (ytd only) | 2.7122% | 4,180 |
| Net charge-offs to loans | 0.0721% | 2,153 |
| Credit loss provision to net charge-offs | 90.9091% | 2,226 |
| Earnings coverage of net charge-offs (x) | 13.5818% | 2,118 |
| Efficiency ratio | 83.9940% | 1,051 |
| Assets per employee ($millions) | 3.7588% | 4,350 |
| Cash dividends to net income (ytd only)* | 29.6443% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2927% | 477 |
| Loan loss allowance to noncurrent loans | 250.6155% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.5227% | 3,466 |
| Noncurrent loans to loans | 0.9148% | 2,450 |
| Net loans and leases to total assets | 53.0281% | 4,585 |
| Net loans and leases to deposits | 58.9797% | 4,853 |
| Net loans and leases to core deposits | 60.4001% | 4,964 |
| Total domestic deposits to total assets | 89.9090% | 527 |
| Equity capital to assets | 9.5143% | 4,759 |
| Core capital (leverage) ratio | 9.7570% | 3,862 |
| Tier 1 risk-based capital ratio | 18.4016% | 1,822 |
| Total risk-based capital ratio | 19.6655% | 1,781 |
| Memoranda: | ||
| Average total assets | $276,270,670 | 2,325 |
| Average earning assets | $255,540,000 | 2,338 |
| Average equity | $26,251,670 | 2,646 |
| Average total loans | $152,548,330 | 2,619 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1497% | 5,548 |
| Cost of funding earning assets | 0.2153% | 5,052 |
| Net interest margin | 2.9344% | 5,250 |
| Noninterest income to average assets | 0.6668% | 2,182 |
| Noninterest expense to average assets | 2.8097% | 3,031 |
| Loan and lease loss provision to assets | 0.0538% | 2,862 |
| Net operating income to assets | 0.3734% | 5,074 |
| Return on assets (ROA) | 0.3734% | 5,149 |
| Pretax return on assets | 0.5157% | 5,042 |
| Return on Equity (ROE) | 3.9318% | 4,912 |
| Retained earnings to average equity (ytd only) | 1.6370% | 4,618 |
| Net charge-offs to loans | 0.0783% | 1,704 |
| Credit loss provision to net charge-offs | 123.3333% | 1,417 |
| Earnings coverage of net charge-offs (x) | 13.0667% | 1,754 |
| Efficiency ratio | 83.1470% | 1,245 |
| Assets per employee ($millions) | 3.6144% | 4,622 |
| Cash dividends to net income (ytd only)* | 58.3658% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2944% | 515 |
| Loan loss allowance to noncurrent loans | 249.6765% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.5485% | 3,420 |
| Noncurrent loans to loans | 0.9190% | 2,554 |
| Net loans and leases to total assets | 54.5575% | 4,397 |
| Net loans and leases to deposits | 60.7343% | 4,661 |
| Net loans and leases to core deposits | 62.1552% | 4,810 |
| Total domestic deposits to total assets | 89.8299% | 663 |
| Equity capital to assets | 9.6714% | 4,478 |
| Core capital (leverage) ratio | 9.8070% | 3,762 |
| Tier 1 risk-based capital ratio | 18.2088% | 1,928 |
| Total risk-based capital ratio | 19.4727% | 1,891 |
| Memoranda: | ||
| Average total assets | $275,331,500 | 2,343 |
| Average earning assets | $254,502,500 | 2,353 |
| Average equity | $26,145,500 | 2,649 |
| Average total loans | $153,343,500 | 2,603 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2754% | 5,388 |
| Cost of funding earning assets | 0.2410% | 4,878 |
| Net interest margin | 3.0344% | 5,059 |
| Noninterest income to average assets | 0.6750% | 2,322 |
| Noninterest expense to average assets | 2.7658% | 3,365 |
| Loan and lease loss provision to assets | 0.0566% | 3,176 |
| Net operating income to assets | 0.4755% | 4,790 |
| Return on assets (ROA) | 0.5271% | 4,672 |
| Pretax return on assets | 0.7316% | 4,426 |
| Return on Equity (ROE) | 5.4729% | 4,301 |
| Retained earnings to average equity (ytd only) | 3.7217% | 3,401 |
| Net charge-offs to loans | 0.4769% | 568 |
| Credit loss provision to net charge-offs | 20.7469% | 3,741 |
| Earnings coverage of net charge-offs (x) | 2.6266% | 3,861 |
| Efficiency ratio | 79.4236% | 1,758 |
| Assets per employee ($millions) | 3.8299% | 4,240 |
| Cash dividends to net income (ytd only)* | 31.9971% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2315% | 567 |
| Loan loss allowance to noncurrent loans | 261.5849% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.5165% | 3,576 |
| Noncurrent loans to loans | 0.8531% | 2,649 |
| Net loans and leases to total assets | 54.3143% | 4,475 |
| Net loans and leases to deposits | 60.2827% | 4,756 |
| Net loans and leases to core deposits | 61.6441% | 4,893 |
| Total domestic deposits to total assets | 90.0992% | 591 |
| Equity capital to assets | 9.3260% | 4,759 |
| Core capital (leverage) ratio | 9.6989% | 3,912 |
| Tier 1 risk-based capital ratio | 17.7758% | 2,029 |
| Total risk-based capital ratio | 19.0393% | 1,972 |
| Memoranda: | ||
| Average total assets | $265,025,000 | 2,380 |
| Average earning assets | $245,190,800 | 2,381 |
| Average equity | $25,525,800 | 2,649 |
| Average total loans | $151,609,200 | 2,575 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2723% | 5,457 |
| Cost of funding earning assets | 0.2487% | 4,894 |
| Net interest margin | 3.0236% | 5,143 |
| Noninterest income to average assets | 0.6881% | 2,289 |
| Noninterest expense to average assets | 2.8249% | 3,088 |
| Loan and lease loss provision to assets | 0.0663% | 2,855 |
| Net operating income to assets | 0.4302% | 5,048 |
| Return on assets (ROA) | 0.5009% | 4,873 |
| Pretax return on assets | 0.6907% | 4,710 |
| Return on Equity (ROE) | 5.1570% | 4,547 |
| Retained earnings to average equity (ytd only) | 2.8096% | 4,435 |
| Net charge-offs to loans | 0.5911% | 377 |
| Credit loss provision to net charge-offs | 19.4611% | 3,369 |
| Earnings coverage of net charge-offs (x) | 1.9371% | 3,759 |
| Efficiency ratio | 81.0597% | 1,515 |
| Assets per employee ($millions) | 3.5579% | 4,692 |
| Cash dividends to net income (ytd only)* | 45.5197% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3323% | 547 |
| Loan loss allowance to noncurrent loans | 251.5086% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.5702% | 3,587 |
| Noncurrent loans to loans | 0.9273% | 2,653 |
| Net loans and leases to total assets | 56.4472% | 4,298 |
| Net loans and leases to deposits | 63.0852% | 4,635 |
| Net loans and leases to core deposits | 64.5830% | 4,789 |
| Total domestic deposits to total assets | 89.4778% | 785 |
| Equity capital to assets | 9.8997% | 4,285 |
| Core capital (leverage) ratio | 9.7960% | 3,907 |
| Tier 1 risk-based capital ratio | 18.3296% | 1,946 |
| Total risk-based capital ratio | 19.5949% | 1,903 |
| Memoranda: | ||
| Average total assets | $261,385,250 | 2,430 |
| Average earning assets | $241,784,250 | 2,420 |
| Average equity | $25,388,750 | 2,685 |
| Average total loans | $150,681,500 | 2,597 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2647% | 5,507 |
| Cost of funding earning assets | 0.2520% | 4,915 |
| Net interest margin | 3.0127% | 5,194 |
| Noninterest income to average assets | 0.6620% | 2,404 |
| Noninterest expense to average assets | 2.8091% | 3,195 |
| Loan and lease loss provision to assets | 0.0840% | 2,437 |
| Net operating income to assets | 0.4035% | 5,124 |
| Return on assets (ROA) | 0.4726% | 4,975 |
| Pretax return on assets | 0.6475% | 4,831 |
| Return on Equity (ROE) | 4.8970% | 4,666 |
| Retained earnings to average equity (ytd only) | 3.2198% | 3,999 |
| Net charge-offs to loans | 0.7742% | 287 |
| Credit loss provision to net charge-offs | 18.8356% | 3,026 |
| Earnings coverage of net charge-offs (x) | 1.4281% | 3,514 |
| Efficiency ratio | 81.5201% | 1,556 |
| Assets per employee ($millions) | 3.5929% | 4,636 |
| Cash dividends to net income (ytd only)* | 34.2488% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3451% | 599 |
| Loan loss allowance to noncurrent loans | 263.0996% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.5491% | 3,778 |
| Noncurrent loans to loans | 0.8913% | 2,902 |
| Net loans and leases to total assets | 55.8352% | 4,358 |
| Net loans and leases to deposits | 62.1137% | 4,696 |
| Net loans and leases to core deposits | 63.4740% | 4,848 |
| Total domestic deposits to total assets | 89.8919% | 706 |
| Equity capital to assets | 9.5977% | 4,538 |
| Core capital (leverage) ratio | 9.8909% | 3,751 |
| Tier 1 risk-based capital ratio | 17.6564% | 2,168 |
| Total risk-based capital ratio | 18.9214% | 2,118 |
| Memoranda: | ||
| Average total assets | $261,938,330 | 2,441 |
| Average earning assets | $242,041,000 | 2,443 |
| Average equity | $25,281,000 | 2,699 |
| Average total loans | $150,872,330 | 2,602 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2141% | 5,624 |
| Cost of funding earning assets | 0.2616% | 4,886 |
| Net interest margin | 2.9525% | 5,338 |
| Noninterest income to average assets | 0.6139% | 2,582 |
| Noninterest expense to average assets | 2.8927% | 2,931 |
| Loan and lease loss provision to assets | 0.0923% | 2,149 |
| Net operating income to assets | 0.2650% | 5,517 |
| Return on assets (ROA) | 0.4062% | 5,162 |
| Pretax return on assets | 0.5462% | 5,058 |
| Return on Equity (ROE) | 4.1967% | 4,890 |
| Retained earnings to average equity (ytd only) | 0.8266% | 5,128 |
| Net charge-offs to loans | 1.3307% | 152 |
| Credit loss provision to net charge-offs | 12.0000% | 2,420 |
| Earnings coverage of net charge-offs (x) | 0.5820% | 3,033 |
| Efficiency ratio | 86.5960% | 1,124 |
| Assets per employee ($millions) | 3.5998% | 4,724 |
| Cash dividends to net income (ytd only)* | 80.3030% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4222% | 592 |
| Loan loss allowance to noncurrent loans | 245.1635% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.6756% | 3,463 |
| Noncurrent loans to loans | 0.9880% | 2,794 |
| Net loans and leases to total assets | 55.9377% | 4,210 |
| Net loans and leases to deposits | 62.3150% | 4,546 |
| Net loans and leases to core deposits | 63.6724% | 4,727 |
| Total domestic deposits to total assets | 89.7660% | 862 |
| Equity capital to assets | 9.7293% | 4,462 |
| Core capital (leverage) ratio | 9.6726% | 4,046 |
| Tier 1 risk-based capital ratio | 17.7608% | 2,212 |
| Total risk-based capital ratio | 19.0266% | 2,174 |
| Memoranda: | ||
| Average total assets | $259,969,000 | 2,468 |
| Average earning assets | $240,066,000 | 2,467 |
| Average equity | $25,162,500 | 2,730 |
| Average total loans | $150,299,500 | 2,618 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3512% | 5,621 |
| Cost of funding earning assets | 0.2899% | 4,898 |
| Net interest margin | 3.0613% | 5,294 |
| Noninterest income to average assets | 0.6452% | 2,582 |
| Noninterest expense to average assets | 2.6917% | 3,897 |
| Loan and lease loss provision to assets | 0.0844% | 2,792 |
| Net operating income to assets | 0.5074% | 4,787 |
| Return on assets (ROA) | 0.5103% | 4,856 |
| Pretax return on assets | 0.6934% | 4,652 |
| Return on Equity (ROE) | 5.4028% | 4,457 |
| Retained earnings to average equity (ytd only) | 3.6971% | 3,583 |
| Net charge-offs to loans | 0.2176% | 1,930 |
| Credit loss provision to net charge-offs | 67.5926% | 3,121 |
| Earnings coverage of net charge-offs (x) | 6.1975% | 3,252 |
| Efficiency ratio | 77.6690% | 2,254 |
| Assets per employee ($millions) | 3.5720% | 4,771 |
| Cash dividends to net income (ytd only)* | 31.5710% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6569% | 451 |
| Loan loss allowance to noncurrent loans | 198.8676% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.8544% | 3,068 |
| Noncurrent loans to loans | 1.3360% | 2,200 |
| Net loans and leases to total assets | 56.7506% | 4,234 |
| Net loans and leases to deposits | 63.1843% | 4,612 |
| Net loans and leases to core deposits | 64.5284% | 4,791 |
| Total domestic deposits to total assets | 89.8176% | 816 |
| Equity capital to assets | 9.6290% | 4,555 |
| Core capital (leverage) ratio | 9.7388% | 3,917 |
| Tier 1 risk-based capital ratio | 17.9614% | 2,152 |
| Total risk-based capital ratio | 19.2315% | 2,109 |
| Memoranda: | ||
| Average total assets | $259,460,600 | 2,435 |
| Average earning assets | $239,046,600 | 2,434 |
| Average equity | $24,506,000 | 2,714 |
| Average total loans | $148,930,400 | 2,589 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3371% | 5,693 |
| Cost of funding earning assets | 0.2943% | 4,932 |
| Net interest margin | 3.0428% | 5,394 |
| Noninterest income to average assets | 0.6303% | 2,685 |
| Noninterest expense to average assets | 2.7516% | 3,637 |
| Loan and lease loss provision to assets | 0.0612% | 3,135 |
| Net operating income to assets | 0.4628% | 5,024 |
| Return on assets (ROA) | 0.4667% | 5,084 |
| Pretax return on assets | 0.6262% | 4,943 |
| Return on Equity (ROE) | 4.9652% | 4,732 |
| Retained earnings to average equity (ytd only) | 2.6769% | 4,690 |
| Net charge-offs to loans | 0.2529% | 1,531 |
| Credit loss provision to net charge-offs | 42.3488% | 3,248 |
| Earnings coverage of net charge-offs (x) | 4.7188% | 3,392 |
| Efficiency ratio | 80.1319% | 1,897 |
| Assets per employee ($millions) | 3.6926% | 4,504 |
| Cash dividends to net income (ytd only)* | 46.0862% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6892% | 496 |
| Loan loss allowance to noncurrent loans | 275.9529% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.5887% | 4,076 |
| Noncurrent loans to loans | 0.9745% | 3,128 |
| Net loans and leases to total assets | 56.5537% | 4,263 |
| Net loans and leases to deposits | 63.0355% | 4,637 |
| Net loans and leases to core deposits | 64.5222% | 4,839 |
| Total domestic deposits to total assets | 89.7173% | 867 |
| Equity capital to assets | 9.6438% | 4,617 |
| Core capital (leverage) ratio | 9.5160% | 4,350 |
| Tier 1 risk-based capital ratio | 18.2412% | 2,139 |
| Total risk-based capital ratio | 19.5122% | 2,095 |
| Memoranda: | ||
| Average total assets | $259,137,500 | 2,460 |
| Average earning assets | $238,762,000 | 2,452 |
| Average equity | $24,355,500 | 2,730 |
| Average total loans | $148,158,500 | 2,613 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2746% | 5,835 |
| Cost of funding earning assets | 0.2967% | 5,000 |
| Net interest margin | 2.9779% | 5,581 |
| Noninterest income to average assets | 0.6125% | 2,751 |
| Noninterest expense to average assets | 2.6985% | 3,871 |
| Loan and lease loss provision to assets | 0.0767% | 2,740 |
| Net operating income to assets | 0.4348% | 5,079 |
| Return on assets (ROA) | 0.4405% | 5,131 |
| Pretax return on assets | 0.5871% | 4,991 |
| Return on Equity (ROE) | 4.7275% | 4,804 |
| Retained earnings to average equity (ytd only) | 3.0803% | 4,244 |
| Net charge-offs to loans | 0.0580% | 3,139 |
| Credit loss provision to net charge-offs | 232.5581% | 1,042 |
| Earnings coverage of net charge-offs (x) | 19.8837% | 1,606 |
| Efficiency ratio | 80.4393% | 1,953 |
| Assets per employee ($millions) | 3.8334% | 4,192 |
| Cash dividends to net income (ytd only)* | 34.8432% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8937% | 435 |
| Loan loss allowance to noncurrent loans | 258.8417% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.6798% | 3,955 |
| Noncurrent loans to loans | 1.1179% | 2,984 |
| Net loans and leases to total assets | 53.2992% | 4,618 |
| Net loans and leases to deposits | 59.1115% | 4,938 |
| Net loans and leases to core deposits | 60.4423% | 5,108 |
| Total domestic deposits to total assets | 90.1672% | 728 |
| Equity capital to assets | 9.3024% | 4,980 |
| Core capital (leverage) ratio | 9.6214% | 4,146 |
| Tier 1 risk-based capital ratio | 18.9083% | 1,944 |
| Total risk-based capital ratio | 20.1828% | 1,899 |
| Memoranda: | ||
| Average total assets | $260,588,000 | 2,454 |
| Average earning assets | $239,964,670 | 2,444 |
| Average equity | $24,283,670 | 2,731 |
| Average total loans | $148,187,000 | 2,604 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2963% | 5,850 |
| Cost of funding earning assets | 0.3036% | 5,025 |
| Net interest margin | 2.9927% | 5,542 |
| Noninterest income to average assets | 0.5831% | 2,842 |
| Noninterest expense to average assets | 2.6942% | 3,944 |
| Loan and lease loss provision to assets | 0.1160% | 2,025 |
| Net operating income to assets | 0.4058% | 5,090 |
| Return on assets (ROA) | 0.4176% | 5,121 |
| Pretax return on assets | 0.5475% | 5,019 |
| Return on Equity (ROE) | 4.4771% | 4,803 |
| Retained earnings to average equity (ytd only) | 1.1607% | 5,140 |
| Net charge-offs to loans | 0.0962% | 2,206 |
| Credit loss provision to net charge-offs | 208.3333% | 1,003 |
| Earnings coverage of net charge-offs (x) | 11.6389% | 1,769 |
| Efficiency ratio | 80.6108% | 2,105 |
| Assets per employee ($millions) | 3.6695% | 4,587 |
| Cash dividends to net income (ytd only)* | 74.0741% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8128% | 531 |
| Loan loss allowance to noncurrent loans | 247.2222% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.7280% | 3,940 |
| Noncurrent loans to loans | 1.1378% | 3,142 |
| Net loans and leases to total assets | 56.2671% | 4,113 |
| Net loans and leases to deposits | 62.4821% | 4,491 |
| Net loans and leases to core deposits | 64.0064% | 4,690 |
| Total domestic deposits to total assets | 90.0532% | 1,045 |
| Equity capital to assets | 9.4115% | 4,610 |
| Core capital (leverage) ratio | 9.4815% | 4,313 |
| Tier 1 risk-based capital ratio | 18.2474% | 2,190 |
| Total risk-based capital ratio | 19.5206% | 2,145 |
| Memoranda: | ||
| Average total assets | $258,630,500 | 2,472 |
| Average earning assets | $238,450,500 | 2,463 |
| Average equity | $24,123,000 | 2,744 |
| Average total loans | $149,691,000 | 2,589 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5818% | 5,455 |
| Cost of funding earning assets | 0.3734% | 4,908 |
| Net interest margin | 3.2085% | 4,974 |
| Noninterest income to average assets | 0.6770% | 2,665 |
| Noninterest expense to average assets | 2.8549% | 3,515 |
| Loan and lease loss provision to assets | 0.0979% | 3,165 |
| Net operating income to assets | 0.4858% | 4,793 |
| Return on assets (ROA) | 0.5110% | 4,818 |
| Pretax return on assets | 0.7029% | 4,532 |
| Return on Equity (ROE) | 5.5090% | 4,388 |
| Retained earnings to average equity (ytd only) | 4.9813% | 2,611 |
| Net charge-offs to loans | 0.0139% | 5,174 |
| Credit loss provision to net charge-offs | 1,190.4762% | 212 |
| Earnings coverage of net charge-offs (x) | 93.1905% | 485 |
| Efficiency ratio | 78.8387% | 2,345 |
| Assets per employee ($millions) | 3.7199% | 4,436 |
| Cash dividends to net income (ytd only)* | 9.5785% | 4,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7504% | 639 |
| Loan loss allowance to noncurrent loans | 238.8473% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.7170% | 4,094 |
| Noncurrent loans to loans | 1.1515% | 3,235 |
| Net loans and leases to total assets | 56.2699% | 4,275 |
| Net loans and leases to deposits | 62.3929% | 4,684 |
| Net loans and leases to core deposits | 64.0982% | 4,859 |
| Total domestic deposits to total assets | 90.1864% | 981 |
| Equity capital to assets | 9.2440% | 4,755 |
| Core capital (leverage) ratio | 9.5624% | 4,168 |
| Tier 1 risk-based capital ratio | 17.8491% | 2,290 |
| Total risk-based capital ratio | 19.1218% | 2,251 |
| Memoranda: | ||
| Average total assets | $255,384,400 | 2,482 |
| Average earning assets | $234,348,600 | 2,478 |
| Average equity | $23,688,400 | 2,754 |
| Average total loans | $150,554,800 | 2,550 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6492% | 5,301 |
| Cost of funding earning assets | 0.3883% | 4,915 |
| Net interest margin | 3.2609% | 4,788 |
| Noninterest income to average assets | 0.6978% | 2,623 |
| Noninterest expense to average assets | 2.8871% | 3,352 |
| Loan and lease loss provision to assets | 0.1102% | 2,933 |
| Net operating income to assets | 0.4976% | 4,802 |
| Return on assets (ROA) | 0.5304% | 4,823 |
| Pretax return on assets | 0.7335% | 4,563 |
| Return on Equity (ROE) | 5.7135% | 4,335 |
| Retained earnings to average equity (ytd only) | 5.0070% | 3,080 |
| Net charge-offs to loans | -0.1710% | 6,622 |
| Credit loss provision to net charge-offs | -108.8083% | 5,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3457% | 2,365 |
| Assets per employee ($millions) | 3.5642% | 4,731 |
| Cash dividends to net income (ytd only)* | 12.3638% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9588% | 572 |
| Loan loss allowance to noncurrent loans | 457.9003% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.4317% | 5,133 |
| Noncurrent loans to loans | 0.6462% | 4,576 |
| Net loans and leases to total assets | 56.7623% | 4,207 |
| Net loans and leases to deposits | 63.2054% | 4,603 |
| Net loans and leases to core deposits | 65.1195% | 4,791 |
| Total domestic deposits to total assets | 89.8061% | 1,101 |
| Equity capital to assets | 9.5377% | 4,505 |
| Core capital (leverage) ratio | 9.3525% | 4,609 |
| Tier 1 risk-based capital ratio | 18.1334% | 2,271 |
| Total risk-based capital ratio | 19.4081% | 2,229 |
| Memoranda: | ||
| Average total assets | $254,131,750 | 2,509 |
| Average earning assets | $232,812,250 | 2,503 |
| Average equity | $23,592,750 | 2,794 |
| Average total loans | $150,526,500 | 2,559 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6566% | 5,269 |
| Cost of funding earning assets | 0.3978% | 4,966 |
| Net interest margin | 3.2588% | 4,736 |
| Noninterest income to average assets | 0.6696% | 2,797 |
| Noninterest expense to average assets | 2.8614% | 3,470 |
| Loan and lease loss provision to assets | 0.1033% | 3,071 |
| Net operating income to assets | 0.4968% | 4,813 |
| Return on assets (ROA) | 0.5374% | 4,794 |
| Pretax return on assets | 0.7478% | 4,511 |
| Return on Equity (ROE) | 5.8406% | 4,258 |
| Retained earnings to average equity (ytd only) | 5.8406% | 2,526 |
| Net charge-offs to loans | -0.1802% | 6,637 |
| Credit loss provision to net charge-offs | -96.3504% | 5,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2627% | 2,414 |
| Assets per employee ($millions) | 3.6456% | 4,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7888% | 717 |
| Loan loss allowance to noncurrent loans | 471.7024% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.4306% | 5,199 |
| Noncurrent loans to loans | 0.5912% | 4,780 |
| Net loans and leases to total assets | 54.8014% | 4,478 |
| Net loans and leases to deposits | 60.5655% | 4,912 |
| Net loans and leases to core deposits | 62.1571% | 5,081 |
| Total domestic deposits to total assets | 90.4828% | 766 |
| Equity capital to assets | 8.9531% | 5,260 |
| Core capital (leverage) ratio | 9.3542% | 4,461 |
| Tier 1 risk-based capital ratio | 17.5788% | 2,487 |
| Total risk-based capital ratio | 18.8515% | 2,443 |
| Memoranda: | ||
| Average total assets | $255,678,000 | 2,502 |
| Average earning assets | $234,317,670 | 2,503 |
| Average equity | $23,525,000 | 2,817 |
| Average total loans | $152,056,670 | 2,539 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7937% | 4,841 |
| Cost of funding earning assets | 0.4211% | 4,901 |
| Net interest margin | 3.3726% | 4,223 |
| Noninterest income to average assets | 0.7267% | 2,446 |
| Noninterest expense to average assets | 2.9467% | 3,172 |
| Loan and lease loss provision to assets | 0.1677% | 2,180 |
| Net operating income to assets | 0.4706% | 4,816 |
| Return on assets (ROA) | 0.4871% | 4,893 |
| Pretax return on assets | 0.7059% | 4,553 |
| Return on Equity (ROE) | 5.2195% | 4,448 |
| Retained earnings to average equity (ytd only) | 5.2195% | 3,100 |
| Net charge-offs to loans | -0.1385% | 6,566 |
| Credit loss provision to net charge-offs | -198.1132% | 5,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6188% | 2,672 |
| Assets per employee ($millions) | 3.4903% | 4,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7030% | 914 |
| Loan loss allowance to noncurrent loans | 478.0516% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.4974% | 5,137 |
| Noncurrent loans to loans | 0.5654% | 5,022 |
| Net loans and leases to total assets | 58.3406% | 3,734 |
| Net loans and leases to deposits | 64.7375% | 4,221 |
| Net loans and leases to core deposits | 66.4930% | 4,470 |
| Total domestic deposits to total assets | 90.1187% | 975 |
| Equity capital to assets | 9.3644% | 5,037 |
| Core capital (leverage) ratio | 9.3042% | 4,392 |
| Tier 1 risk-based capital ratio | 17.5479% | 2,539 |
| Total risk-based capital ratio | 18.8204% | 2,502 |
| Memoranda: | ||
| Average total assets | $250,452,000 | 2,575 |
| Average earning assets | $227,957,000 | 2,586 |
| Average equity | $23,374,000 | 2,869 |
| Average total loans | $153,071,500 | 2,536 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0647% | 5,083 |
| Cost of funding earning assets | 0.6191% | 4,184 |
| Net interest margin | 3.4456% | 4,718 |
| Noninterest income to average assets | 0.8189% | 2,181 |
| Noninterest expense to average assets | 2.8793% | 3,719 |
| Loan and lease loss provision to assets | 0.2273% | 2,859 |
| Net operating income to assets | 0.5883% | 4,295 |
| Return on assets (ROA) | 0.6009% | 4,496 |
| Pretax return on assets | 0.8820% | 3,985 |
| Return on Equity (ROE) | 6.5154% | 3,904 |
| Retained earnings to average equity (ytd only) | 3.9899% | 3,395 |
| Net charge-offs to loans | 0.0245% | 5,556 |
| Credit loss provision to net charge-offs | 1,478.9474% | 168 |
| Earnings coverage of net charge-offs (x) | 70.9737% | 520 |
| Efficiency ratio | 72.5272% | 3,317 |
| Assets per employee ($millions) | 3.4667% | 5,079 |
| Cash dividends to net income (ytd only)* | 38.7618% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5183% | 1,110 |
| Loan loss allowance to noncurrent loans | 364.8649% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.5188% | 5,181 |
| Noncurrent loans to loans | 0.6902% | 4,813 |
| Net loans and leases to total assets | 60.7143% | 3,473 |
| Net loans and leases to deposits | 67.3263% | 4,079 |
| Net loans and leases to core deposits | 69.1574% | 4,414 |
| Total domestic deposits to total assets | 90.1792% | 861 |
| Equity capital to assets | 9.3008% | 5,153 |
| Core capital (leverage) ratio | 9.3954% | 4,261 |
| Tier 1 risk-based capital ratio | 16.6981% | 2,792 |
| Total risk-based capital ratio | 17.9677% | 2,755 |
| Memoranda: | ||
| Average total assets | $247,285,800 | 2,553 |
| Average earning assets | $226,142,800 | 2,553 |
| Average equity | $22,807,400 | 2,871 |
| Average total loans | $155,332,200 | 2,500 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0998% | 5,186 |
| Cost of funding earning assets | 0.6655% | 4,059 |
| Net interest margin | 3.4344% | 4,903 |
| Noninterest income to average assets | 0.8242% | 2,142 |
| Noninterest expense to average assets | 2.8465% | 3,813 |
| Loan and lease loss provision to assets | 0.2421% | 2,630 |
| Net operating income to assets | 0.6051% | 4,372 |
| Return on assets (ROA) | 0.6220% | 4,543 |
| Pretax return on assets | 0.9150% | 4,045 |
| Return on Equity (ROE) | 6.7588% | 3,929 |
| Retained earnings to average equity (ytd only) | 5.8134% | 2,822 |
| Net charge-offs to loans | -0.0507% | 6,714 |
| Credit loss provision to net charge-offs | -759.3220% | 6,506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5431% | 3,408 |
| Assets per employee ($millions) | 3.2932% | 5,452 |
| Cash dividends to net income (ytd only)* | 13.9877% | 3,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5286% | 1,177 |
| Loan loss allowance to noncurrent loans | 396.5412% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.4924% | 5,444 |
| Noncurrent loans to loans | 0.6377% | 5,166 |
| Net loans and leases to total assets | 61.6568% | 3,451 |
| Net loans and leases to deposits | 68.6024% | 4,084 |
| Net loans and leases to core deposits | 70.6344% | 4,414 |
| Total domestic deposits to total assets | 89.8756% | 910 |
| Equity capital to assets | 9.5483% | 5,142 |
| Core capital (leverage) ratio | 9.3650% | 4,481 |
| Tier 1 risk-based capital ratio | 17.0512% | 2,715 |
| Total risk-based capital ratio | 18.3211% | 2,654 |
| Memoranda: | ||
| Average total assets | $246,706,750 | 2,588 |
| Average earning assets | $226,605,000 | 2,567 |
| Average equity | $22,705,500 | 2,909 |
| Average total loans | $155,300,500 | 2,528 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9557% | 5,766 |
| Cost of funding earning assets | 0.7017% | 4,001 |
| Net interest margin | 3.2540% | 5,581 |
| Noninterest income to average assets | 0.7517% | 2,408 |
| Noninterest expense to average assets | 2.7968% | 4,031 |
| Loan and lease loss provision to assets | 0.1889% | 3,208 |
| Net operating income to assets | 0.5212% | 4,714 |
| Return on assets (ROA) | 0.5329% | 4,945 |
| Pretax return on assets | 0.7670% | 4,582 |
| Return on Equity (ROE) | 5.8621% | 4,386 |
| Retained earnings to average equity (ytd only) | 5.8621% | 2,794 |
| Net charge-offs to loans | 0.1349% | 3,849 |
| Credit loss provision to net charge-offs | 222.8571% | 1,273 |
| Earnings coverage of net charge-offs (x) | 11.0762% | 1,997 |
| Efficiency ratio | 74.8649% | 2,924 |
| Assets per employee ($millions) | 3.5370% | 4,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2762% | 1,632 |
| Loan loss allowance to noncurrent loans | 117.3725% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 1.2790% | 3,871 |
| Noncurrent loans to loans | 1.9393% | 3,011 |
| Net loans and leases to total assets | 60.1791% | 3,783 |
| Net loans and leases to deposits | 66.5416% | 4,437 |
| Net loans and leases to core deposits | 68.5348% | 4,723 |
| Total domestic deposits to total assets | 90.4383% | 700 |
| Equity capital to assets | 9.1117% | 5,571 |
| Core capital (leverage) ratio | 9.2254% | 4,565 |
| Tier 1 risk-based capital ratio | 16.6360% | 2,839 |
| Total risk-based capital ratio | 17.9023% | 2,780 |
| Memoranda: | ||
| Average total assets | $247,709,330 | 2,573 |
| Average earning assets | $227,165,330 | 2,558 |
| Average equity | $22,517,670 | 2,919 |
| Average total loans | $155,682,330 | 2,523 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9588% | 5,884 |
| Cost of funding earning assets | 0.7327% | 4,005 |
| Net interest margin | 3.2261% | 5,715 |
| Noninterest income to average assets | 0.6748% | 2,784 |
| Noninterest expense to average assets | 2.7919% | 4,065 |
| Loan and lease loss provision to assets | 0.1951% | 2,989 |
| Net operating income to assets | 0.4522% | 5,025 |
| Return on assets (ROA) | 0.4764% | 5,122 |
| Pretax return on assets | 0.6715% | 4,882 |
| Return on Equity (ROE) | 5.2473% | 4,668 |
| Retained earnings to average equity (ytd only) | 5.2473% | 3,403 |
| Net charge-offs to loans | 0.0205% | 4,402 |
| Credit loss provision to net charge-offs | 1,500.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 525 |
| Efficiency ratio | 77.0301% | 2,644 |
| Assets per employee ($millions) | 3.3523% | 5,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2772% | 1,718 |
| Loan loss allowance to noncurrent loans | 103.9466% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 1.3771% | 3,814 |
| Noncurrent loans to loans | 2.1907% | 2,925 |
| Net loans and leases to total assets | 61.4275% | 3,368 |
| Net loans and leases to deposits | 68.0510% | 4,050 |
| Net loans and leases to core deposits | 70.1556% | 4,394 |
| Total domestic deposits to total assets | 90.2669% | 937 |
| Equity capital to assets | 9.1794% | 5,262 |
| Core capital (leverage) ratio | 9.1864% | 4,542 |
| Tier 1 risk-based capital ratio | 16.5027% | 2,908 |
| Total risk-based capital ratio | 17.7692% | 2,867 |
| Memoranda: | ||
| Average total assets | $246,000,500 | 2,596 |
| Average earning assets | $224,915,500 | 2,601 |
| Average equity | $22,335,500 | 2,940 |
| Average total loans | $156,200,500 | 2,536 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1793% | 6,113 |
| Cost of funding earning assets | 0.9960% | 3,409 |
| Net interest margin | 3.1833% | 6,145 |
| Noninterest income to average assets | 0.6567% | 2,848 |
| Noninterest expense to average assets | 2.8915% | 3,990 |
| Loan and lease loss provision to assets | 0.5326% | 1,969 |
| Net operating income to assets | 0.1265% | 5,802 |
| Return on assets (ROA) | 0.3998% | 5,041 |
| Pretax return on assets | 0.5075% | 4,969 |
| Return on Equity (ROE) | 4.4023% | 4,676 |
| Retained earnings to average equity (ytd only) | 4.1631% | 3,217 |
| Net charge-offs to loans | 0.7216% | 2,352 |
| Credit loss provision to net charge-offs | 112.6325% | 2,932 |
| Earnings coverage of net charge-offs (x) | 1.4682% | 4,667 |
| Efficiency ratio | 80.6384% | 2,213 |
| Assets per employee ($millions) | 3.4828% | 5,056 |
| Cash dividends to net income (ytd only)* | 5.4336% | 3,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1385% | 1,916 |
| Loan loss allowance to noncurrent loans | 102.9135% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 1.3325% | 4,003 |
| Noncurrent loans to loans | 2.0779% | 3,098 |
| Net loans and leases to total assets | 62.7552% | 3,457 |
| Net loans and leases to deposits | 69.3773% | 4,223 |
| Net loans and leases to core deposits | 71.5697% | 4,582 |
| Total domestic deposits to total assets | 90.4549% | 745 |
| Equity capital to assets | 8.9805% | 5,573 |
| Core capital (leverage) ratio | 9.1826% | 4,490 |
| Tier 1 risk-based capital ratio | 15.8402% | 3,137 |
| Total risk-based capital ratio | 17.1048% | 3,087 |
| Memoranda: | ||
| Average total assets | $239,390,200 | 2,643 |
| Average earning assets | $220,277,400 | 2,608 |
| Average equity | $21,738,600 | 2,919 |
| Average total loans | $156,879,200 | 2,543 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2303% | 6,137 |
| Cost of funding earning assets | 1.0438% | 3,362 |
| Net interest margin | 3.1865% | 6,192 |
| Noninterest income to average assets | 0.6604% | 2,822 |
| Noninterest expense to average assets | 3.0971% | 3,173 |
| Loan and lease loss provision to assets | 0.4745% | 2,089 |
| Net operating income to assets | 0.0297% | 6,112 |
| Return on assets (ROA) | 0.3718% | 5,309 |
| Pretax return on assets | 0.4583% | 5,291 |
| Return on Equity (ROE) | 4.0822% | 4,960 |
| Retained earnings to average equity (ytd only) | 3.7616% | 4,069 |
| Net charge-offs to loans | 0.7721% | 2,019 |
| Credit loss provision to net charge-offs | 93.2671% | 3,653 |
| Earnings coverage of net charge-offs (x) | 1.0033% | 4,876 |
| Efficiency ratio | 85.8499% | 1,546 |
| Assets per employee ($millions) | 3.3564% | 5,352 |
| Cash dividends to net income (ytd only)* | 7.8548% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0635% | 2,165 |
| Loan loss allowance to noncurrent loans | 88.3837% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 1.6072% | 3,673 |
| Noncurrent loans to loans | 2.3347% | 2,966 |
| Net loans and leases to total assets | 63.4937% | 3,413 |
| Net loans and leases to deposits | 70.4863% | 4,222 |
| Net loans and leases to core deposits | 72.8086% | 4,606 |
| Total domestic deposits to total assets | 90.0795% | 822 |
| Equity capital to assets | 9.2038% | 5,507 |
| Core capital (leverage) ratio | 9.0262% | 4,889 |
| Tier 1 risk-based capital ratio | 15.8678% | 3,182 |
| Total risk-based capital ratio | 17.1306% | 3,133 |
| Memoranda: | ||
| Average total assets | $237,417,750 | 2,672 |
| Average earning assets | $219,585,500 | 2,632 |
| Average equity | $21,621,500 | 2,925 |
| Average total loans | $156,456,000 | 2,570 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2487% | 6,164 |
| Cost of funding earning assets | 1.0622% | 3,530 |
| Net interest margin | 3.1865% | 6,207 |
| Noninterest income to average assets | 0.7102% | 2,497 |
| Noninterest expense to average assets | 3.1983% | 2,907 |
| Loan and lease loss provision to assets | 0.4976% | 1,974 |
| Net operating income to assets | -0.0290% | 6,269 |
| Return on assets (ROA) | 0.3812% | 5,172 |
| Pretax return on assets | 0.4529% | 5,219 |
| Return on Equity (ROE) | 4.2012% | 4,833 |
| Retained earnings to average equity (ytd only) | 3.8108% | 3,789 |
| Net charge-offs to loans | 0.5398% | 2,475 |
| Credit loss provision to net charge-offs | 139.1509% | 2,187 |
| Earnings coverage of net charge-offs (x) | 1.2925% | 4,321 |
| Efficiency ratio | 87.3733% | 1,472 |
| Assets per employee ($millions) | 3.3388% | 5,347 |
| Cash dividends to net income (ytd only)* | 9.2920% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2043% | 1,912 |
| Loan loss allowance to noncurrent loans | 98.9565% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 1.5792% | 3,830 |
| Noncurrent loans to loans | 2.2275% | 3,192 |
| Net loans and leases to total assets | 62.1456% | 3,863 |
| Net loans and leases to deposits | 68.7185% | 4,602 |
| Net loans and leases to core deposits | 70.8278% | 4,973 |
| Total domestic deposits to total assets | 90.4349% | 744 |
| Equity capital to assets | 8.9422% | 5,661 |
| Core capital (leverage) ratio | 9.0636% | 4,622 |
| Tier 1 risk-based capital ratio | 15.8068% | 3,078 |
| Total risk-based capital ratio | 17.0721% | 3,045 |
| Memoranda: | ||
| Average total assets | $237,122,330 | 2,683 |
| Average earning assets | $219,548,670 | 2,652 |
| Average equity | $21,517,670 | 2,923 |
| Average total loans | $157,109,330 | 2,579 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2607% | 6,123 |
| Cost of funding earning assets | 1.0942% | 3,563 |
| Net interest margin | 3.1665% | 6,176 |
| Noninterest income to average assets | 0.8160% | 1,967 |
| Noninterest expense to average assets | 3.0776% | 3,347 |
| Loan and lease loss provision to assets | 0.3849% | 2,254 |
| Net operating income to assets | 0.3216% | 5,306 |
| Return on assets (ROA) | 0.3216% | 5,384 |
| Pretax return on assets | 0.2891% | 5,688 |
| Return on Equity (ROE) | 3.5175% | 5,134 |
| Retained earnings to average equity (ytd only) | 2.7317% | 4,534 |
| Net charge-offs to loans | 0.0581% | 4,351 |
| Credit loss provision to net charge-offs | 978.2609% | 397 |
| Earnings coverage of net charge-offs (x) | 17.1304% | 1,234 |
| Efficiency ratio | 82.0337% | 2,221 |
| Assets per employee ($millions) | 3.2079% | 5,691 |
| Cash dividends to net income (ytd only)* | 22.3404% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2322% | 1,887 |
| Loan loss allowance to noncurrent loans | 101.2027% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 1.5988% | 3,854 |
| Noncurrent loans to loans | 2.2057% | 3,311 |
| Net loans and leases to total assets | 64.5272% | 3,347 |
| Net loans and leases to deposits | 71.4632% | 4,138 |
| Net loans and leases to core deposits | 73.7430% | 4,555 |
| Total domestic deposits to total assets | 90.2944% | 967 |
| Equity capital to assets | 9.1637% | 4,927 |
| Core capital (leverage) ratio | 9.1970% | 4,292 |
| Tier 1 risk-based capital ratio | 15.7521% | 3,022 |
| Total risk-based capital ratio | 17.0184% | 2,974 |
| Memoranda: | ||
| Average total assets | $233,818,000 | 2,739 |
| Average earning assets | $216,771,000 | 2,703 |
| Average equity | $21,379,000 | 2,929 |
| Average total loans | $158,223,000 | 2,588 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7235% | 5,717 |
| Cost of funding earning assets | 1.2351% | 4,323 |
| Net interest margin | 3.4885% | 5,288 |
| Noninterest income to average assets | 0.7787% | 2,387 |
| Noninterest expense to average assets | 3.1444% | 3,298 |
| Loan and lease loss provision to assets | 0.4459% | 3,455 |
| Net operating income to assets | 0.3350% | 4,805 |
| Return on assets (ROA) | 0.3350% | 4,966 |
| Pretax return on assets | 0.4285% | 4,856 |
| Return on Equity (ROE) | 3.6242% | 4,688 |
| Retained earnings to average equity (ytd only) | 0.3371% | 5,414 |
| Net charge-offs to loans | 0.5415% | 3,445 |
| Credit loss provision to net charge-offs | 113.4361% | 3,837 |
| Earnings coverage of net charge-offs (x) | 2.2247% | 4,052 |
| Efficiency ratio | 78.2421% | 2,664 |
| Assets per employee ($millions) | 3.1128% | 5,851 |
| Cash dividends to net income (ytd only)* | 90.6977% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0063% | 2,282 |
| Loan loss allowance to noncurrent loans | 74.1383% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 1.9673% | 3,383 |
| Noncurrent loans to loans | 2.7062% | 2,810 |
| Net loans and leases to total assets | 67.9520% | 2,995 |
| Net loans and leases to deposits | 75.2578% | 3,966 |
| Net loans and leases to core deposits | 77.7501% | 4,483 |
| Total domestic deposits to total assets | 90.2922% | 939 |
| Equity capital to assets | 9.1231% | 4,959 |
| Core capital (leverage) ratio | 9.2058% | 4,159 |
| Tier 1 risk-based capital ratio | 14.9379% | 3,286 |
| Total risk-based capital ratio | 16.2003% | 3,230 |
| Memoranda: | ||
| Average total assets | $231,014,400 | 2,742 |
| Average earning assets | $214,565,000 | 2,692 |
| Average equity | $21,356,600 | 2,964 |
| Average total loans | $167,681,400 | 2,505 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8187% | 5,584 |
| Cost of funding earning assets | 1.2609% | 4,488 |
| Net interest margin | 3.5577% | 5,070 |
| Noninterest income to average assets | 0.7743% | 2,359 |
| Noninterest expense to average assets | 3.1226% | 3,227 |
| Loan and lease loss provision to assets | 0.4543% | 3,203 |
| Net operating income to assets | 0.3785% | 4,849 |
| Return on assets (ROA) | 0.3785% | 5,034 |
| Pretax return on assets | 0.4988% | 4,931 |
| Return on Equity (ROE) | 4.0802% | 4,735 |
| Retained earnings to average equity (ytd only) | 0.4929% | 5,605 |
| Net charge-offs to loans | 0.4675% | 3,417 |
| Credit loss provision to net charge-offs | 132.3777% | 3,052 |
| Earnings coverage of net charge-offs (x) | 2.7774% | 3,752 |
| Efficiency ratio | 76.6151% | 2,829 |
| Assets per employee ($millions) | 3.1578% | 5,785 |
| Cash dividends to net income (ytd only)* | 87.9206% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0203% | 2,172 |
| Loan loss allowance to noncurrent loans | 70.0000% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 2.1890% | 3,221 |
| Noncurrent loans to loans | 2.8861% | 2,768 |
| Net loans and leases to total assets | 69.8061% | 2,776 |
| Net loans and leases to deposits | 77.4623% | 3,928 |
| Net loans and leases to core deposits | 80.2779% | 4,479 |
| Total domestic deposits to total assets | 90.1163% | 822 |
| Equity capital to assets | 9.2595% | 5,211 |
| Core capital (leverage) ratio | 9.2551% | 4,268 |
| Tier 1 risk-based capital ratio | 14.6597% | 3,419 |
| Total risk-based capital ratio | 15.9223% | 3,388 |
| Memoranda: | ||
| Average total assets | $230,402,500 | 2,779 |
| Average earning assets | $213,801,750 | 2,745 |
| Average equity | $21,371,000 | 2,997 |
| Average total loans | $169,129,250 | 2,527 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8682% | 5,544 |
| Cost of funding earning assets | 1.2713% | 4,707 |
| Net interest margin | 3.5969% | 4,823 |
| Noninterest income to average assets | 0.6920% | 2,753 |
| Noninterest expense to average assets | 3.0995% | 3,326 |
| Loan and lease loss provision to assets | 0.4124% | 3,257 |
| Net operating income to assets | 0.3924% | 4,785 |
| Return on assets (ROA) | 0.3924% | 4,945 |
| Pretax return on assets | 0.5209% | 4,841 |
| Return on Equity (ROE) | 4.2283% | 4,672 |
| Retained earnings to average equity (ytd only) | 2.5912% | 4,494 |
| Net charge-offs to loans | 0.2624% | 4,029 |
| Credit loss provision to net charge-offs | 212.0536% | 1,836 |
| Earnings coverage of net charge-offs (x) | 4.7991% | 2,840 |
| Efficiency ratio | 76.8568% | 2,922 |
| Assets per employee ($millions) | 3.1906% | 5,706 |
| Cash dividends to net income (ytd only)* | 38.7168% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0224% | 2,127 |
| Loan loss allowance to noncurrent loans | 88.0344% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 1.6886% | 3,909 |
| Noncurrent loans to loans | 2.2973% | 3,376 |
| Net loans and leases to total assets | 70.2411% | 2,846 |
| Net loans and leases to deposits | 77.8829% | 3,988 |
| Net loans and leases to core deposits | 80.8812% | 4,566 |
| Total domestic deposits to total assets | 90.1881% | 822 |
| Equity capital to assets | 9.2473% | 5,081 |
| Core capital (leverage) ratio | 9.5756% | 3,707 |
| Tier 1 risk-based capital ratio | 14.7248% | 3,317 |
| Total risk-based capital ratio | 15.9881% | 3,283 |
| Memoranda: | ||
| Average total assets | $230,363,330 | 2,806 |
| Average earning assets | $213,959,670 | 2,763 |
| Average equity | $21,379,670 | 2,991 |
| Average total loans | $170,760,670 | 2,531 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9757% | 5,133 |
| Cost of funding earning assets | 1.3008% | 4,808 |
| Net interest margin | 3.6749% | 4,373 |
| Noninterest income to average assets | 0.7054% | 2,560 |
| Noninterest expense to average assets | 3.1551% | 3,032 |
| Loan and lease loss provision to assets | 0.3929% | 3,015 |
| Net operating income to assets | 0.4225% | 4,743 |
| Return on assets (ROA) | 0.4225% | 4,879 |
| Pretax return on assets | 0.5710% | 4,709 |
| Return on Equity (ROE) | 4.5445% | 4,627 |
| Retained earnings to average equity (ytd only) | 1.2582% | 5,312 |
| Net charge-offs to loans | 0.0185% | 5,325 |
| Credit loss provision to net charge-offs | 2,812.5000% | 180 |
| Earnings coverage of net charge-offs (x) | 69.0000% | 443 |
| Efficiency ratio | 76.6003% | 3,117 |
| Assets per employee ($millions) | 3.0572% | 6,092 |
| Cash dividends to net income (ytd only)* | 72.3140% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9845% | 2,228 |
| Loan loss allowance to noncurrent loans | 105.7911% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 1.4397% | 4,349 |
| Noncurrent loans to loans | 1.8759% | 3,958 |
| Net loans and leases to total assets | 72.9837% | 2,204 |
| Net loans and leases to deposits | 81.0580% | 3,452 |
| Net loans and leases to core deposits | 84.5055% | 4,135 |
| Total domestic deposits to total assets | 90.0389% | 969 |
| Equity capital to assets | 9.4302% | 4,642 |
| Core capital (leverage) ratio | 9.4716% | 3,810 |
| Tier 1 risk-based capital ratio | 14.5333% | 3,357 |
| Total risk-based capital ratio | 15.7959% | 3,317 |
| Memoranda: | ||
| Average total assets | $229,089,000 | 2,882 |
| Average earning assets | $212,793,500 | 2,837 |
| Average equity | $21,300,500 | 3,033 |
| Average total loans | $172,652,500 | 2,575 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6080% | 3,563 |
| Cost of funding earning assets | 1.5730% | 5,167 |
| Net interest margin | 4.0350% | 2,720 |
| Noninterest income to average assets | 0.8516% | 2,172 |
| Noninterest expense to average assets | 3.2367% | 3,247 |
| Loan and lease loss provision to assets | 0.4663% | 4,041 |
| Net operating income to assets | 0.6244% | 3,235 |
| Return on assets (ROA) | 0.6241% | 3,297 |
| Pretax return on assets | 0.9009% | 2,920 |
| Return on Equity (ROE) | 6.6146% | 2,945 |
| Retained earnings to average equity (ytd only) | 4.0982% | 2,344 |
| Net charge-offs to loans | 0.2304% | 5,171 |
| Credit loss provision to net charge-offs | 251.4634% | 1,405 |
| Earnings coverage of net charge-offs (x) | 7.3756% | 2,161 |
| Efficiency ratio | 70.2976% | 4,562 |
| Assets per employee ($millions) | 3.1344% | 5,901 |
| Cash dividends to net income (ytd only)* | 38.0435% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7676% | 2,649 |
| Loan loss allowance to noncurrent loans | 131.3445% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 1.0261% | 5,053 |
| Noncurrent loans to loans | 1.3458% | 4,678 |
| Net loans and leases to total assets | 74.8983% | 2,055 |
| Net loans and leases to deposits | 82.9407% | 3,463 |
| Net loans and leases to core deposits | 97.1633% | 4,331 |
| Total domestic deposits to total assets | 90.3034% | 834 |
| Equity capital to assets | 9.1689% | 4,890 |
| Core capital (leverage) ratio | 9.2076% | 4,109 |
| Tier 1 risk-based capital ratio | 13.6418% | 3,729 |
| Total risk-based capital ratio | 14.9015% | 3,656 |
| Memoranda: | ||
| Average total assets | $221,118,200 | 2,926 |
| Average earning assets | $205,651,800 | 2,898 |
| Average equity | $20,863,000 | 3,088 |
| Average total loans | $177,976,800 | 2,541 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7068% | 3,306 |
| Cost of funding earning assets | 1.6225% | 5,294 |
| Net interest margin | 4.0844% | 2,464 |
| Noninterest income to average assets | 0.8308% | 2,285 |
| Noninterest expense to average assets | 3.3465% | 2,736 |
| Loan and lease loss provision to assets | 0.3309% | 4,357 |
| Net operating income to assets | 0.6725% | 3,307 |
| Return on assets (ROA) | 0.6721% | 3,369 |
| Pretax return on assets | 0.9517% | 3,053 |
| Return on Equity (ROE) | 7.0704% | 3,043 |
| Retained earnings to average equity (ytd only) | 3.6990% | 3,220 |
| Net charge-offs to loans | 0.1376% | 5,322 |
| Credit loss provision to net charge-offs | 294.5652% | 1,409 |
| Earnings coverage of net charge-offs (x) | 11.4238% | 1,855 |
| Efficiency ratio | 72.2838% | 4,195 |
| Assets per employee ($millions) | 2.9286% | 6,332 |
| Cash dividends to net income (ytd only)* | 47.6839% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5869% | 3,041 |
| Loan loss allowance to noncurrent loans | 179.3860% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.7266% | 5,679 |
| Noncurrent loans to loans | 0.8846% | 5,519 |
| Net loans and leases to total assets | 80.8365% | 1,012 |
| Net loans and leases to deposits | 90.0677% | 2,569 |
| Net loans and leases to core deposits | 108.4041% | 3,422 |
| Total domestic deposits to total assets | 89.7508% | 867 |
| Equity capital to assets | 9.5631% | 4,659 |
| Core capital (leverage) ratio | 9.5525% | 3,840 |
| Tier 1 risk-based capital ratio | 13.2002% | 4,054 |
| Total risk-based capital ratio | 14.4568% | 3,990 |
| Memoranda: | ||
| Average total assets | $218,410,750 | 2,984 |
| Average earning assets | $203,144,250 | 2,945 |
| Average equity | $20,762,000 | 3,132 |
| Average total loans | $178,258,250 | 2,563 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7419% | 3,332 |
| Cost of funding earning assets | 1.6800% | 5,364 |
| Net interest margin | 4.0619% | 2,464 |
| Noninterest income to average assets | 0.7872% | 2,477 |
| Noninterest expense to average assets | 3.3138% | 2,900 |
| Loan and lease loss provision to assets | 0.2954% | 4,201 |
| Net operating income to assets | 0.6726% | 3,373 |
| Return on assets (ROA) | 0.6706% | 3,494 |
| Pretax return on assets | 0.9551% | 3,163 |
| Return on Equity (ROE) | 7.0693% | 3,172 |
| Retained earnings to average equity (ytd only) | 5.3769% | 2,303 |
| Net charge-offs to loans | 0.1352% | 4,813 |
| Credit loss provision to net charge-offs | 268.3333% | 1,736 |
| Earnings coverage of net charge-offs (x) | 11.3833% | 1,906 |
| Efficiency ratio | 72.5593% | 4,290 |
| Assets per employee ($millions) | 2.8817% | 6,444 |
| Cash dividends to net income (ytd only)* | 23.9398% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5190% | 3,093 |
| Loan loss allowance to noncurrent loans | 125.9656% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.9940% | 4,979 |
| Noncurrent loans to loans | 1.2059% | 4,803 |
| Net loans and leases to total assets | 80.1366% | 1,293 |
| Net loans and leases to deposits | 89.3164% | 2,933 |
| Net loans and leases to core deposits | 105.5149% | 3,895 |
| Total domestic deposits to total assets | 89.7222% | 951 |
| Equity capital to assets | 9.5728% | 4,523 |
| Core capital (leverage) ratio | 9.4151% | 4,011 |
| Tier 1 risk-based capital ratio | 13.4506% | 3,844 |
| Total risk-based capital ratio | 14.7072% | 3,783 |
| Memoranda: | ||
| Average total assets | $217,998,670 | 3,003 |
| Average earning assets | $202,859,330 | 2,967 |
| Average equity | $20,681,000 | 3,149 |
| Average total loans | $177,538,330 | 2,609 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8887% | 2,857 |
| Cost of funding earning assets | 1.7700% | 5,258 |
| Net interest margin | 4.1187% | 2,215 |
| Noninterest income to average assets | 0.8184% | 2,242 |
| Noninterest expense to average assets | 3.4042% | 2,345 |
| Loan and lease loss provision to assets | 0.3347% | 3,314 |
| Net operating income to assets | 0.6529% | 3,785 |
| Return on assets (ROA) | 0.6529% | 3,968 |
| Pretax return on assets | 0.9140% | 3,665 |
| Return on Equity (ROE) | 6.9137% | 3,627 |
| Retained earnings to average equity (ytd only) | 3.5055% | 3,944 |
| Net charge-offs to loans | 0.0542% | 4,710 |
| Credit loss provision to net charge-offs | 758.3333% | 785 |
| Earnings coverage of net charge-offs (x) | 28.2917% | 1,108 |
| Efficiency ratio | 73.1621% | 3,980 |
| Assets per employee ($millions) | 2.8086% | 6,618 |
| Cash dividends to net income (ytd only)* | 49.2958% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5351% | 2,787 |
| Loan loss allowance to noncurrent loans | 219.3575% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.5471% | 5,829 |
| Noncurrent loans to loans | 0.6998% | 5,663 |
| Net loans and leases to total assets | 76.9816% | 2,044 |
| Net loans and leases to deposits | 85.5099% | 3,715 |
| Net loans and leases to core deposits | 103.4191% | 4,200 |
| Total domestic deposits to total assets | 90.0265% | 790 |
| Equity capital to assets | 9.2897% | 4,950 |
| Core capital (leverage) ratio | 9.3836% | 4,126 |
| Tier 1 risk-based capital ratio | 13.6395% | 3,778 |
| Total risk-based capital ratio | 14.8957% | 3,695 |
| Memoranda: | ||
| Average total assets | $217,495,000 | 3,022 |
| Average earning assets | $202,490,500 | 2,988 |
| Average equity | $20,539,000 | 3,180 |
| Average total loans | $177,202,000 | 2,625 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3321% | 3,772 |
| Cost of funding earning assets | 2.1316% | 5,923 |
| Net interest margin | 4.2005% | 2,313 |
| Noninterest income to average assets | 0.8692% | 2,115 |
| Noninterest expense to average assets | 3.5004% | 2,397 |
| Loan and lease loss provision to assets | 0.2589% | 4,330 |
| Net operating income to assets | 0.7026% | 3,883 |
| Return on assets (ROA) | 0.6876% | 3,786 |
| Pretax return on assets | 0.9496% | 3,556 |
| Return on Equity (ROE) | 7.6116% | 3,236 |
| Retained earnings to average equity (ytd only) | 5.4498% | 1,783 |
| Net charge-offs to loans | 0.2359% | 3,890 |
| Credit loss provision to net charge-offs | 137.3494% | 3,874 |
| Earnings coverage of net charge-offs (x) | 6.5229% | 3,343 |
| Efficiency ratio | 74.0086% | 3,572 |
| Assets per employee ($millions) | 2.6310% | 6,934 |
| Cash dividends to net income (ytd only)* | 28.4016% | 4,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 3,293 |
| Loan loss allowance to noncurrent loans | 147.0934% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.7991% | 4,857 |
| Noncurrent loans to loans | 0.9412% | 4,729 |
| Net loans and leases to total assets | 83.7263% | 931 |
| Net loans and leases to deposits | 93.3294% | 2,891 |
| Net loans and leases to core deposits | 110.5658% | 3,726 |
| Total domestic deposits to total assets | 89.7105% | 764 |
| Equity capital to assets | 9.6034% | 4,538 |
| Core capital (leverage) ratio | 9.4506% | 4,088 |
| Tier 1 risk-based capital ratio | 12.6520% | 4,323 |
| Total risk-based capital ratio | 13.9059% | 4,236 |
| Memoranda: | ||
| Average total assets | $220,201,800 | 2,873 |
| Average earning assets | $202,382,000 | 2,873 |
| Average equity | $19,890,600 | 3,246 |
| Average total loans | $175,914,400 | 2,553 |