Home > FIRST NATIONAL BANK OF NOKOMIS > Performance and Condition Ratios
FIRST NATIONAL BANK OF NOKOMIS, 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 | 4.1635% | 3,694 |
| Cost of funding earning assets | 0.5272% | 4,175 |
| Net interest margin | 3.6363% | 1,887 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 2.5683% | 2,103 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.2867% | 1,455 |
| Return on assets (ROA) | 1.2113% | 1,590 |
| Pretax return on assets | 1.2202% | 2,090 |
| Return on Equity (ROE) | 16.5500% | 1,010 |
| Retained earnings to average equity (ytd only) | 6.7989% | 1,957 |
| Net charge-offs to loans | 0.0123% | 2,195 |
| Credit loss provision to net charge-offs | 736.3636% | 512 |
| Earnings coverage of net charge-offs (x) | 222.0000% | 548 |
| Efficiency ratio | 65.4128% | 2,428 |
| Assets per employee ($millions) | 4.1608% | 4,100 |
| Cash dividends to net income (ytd only)* | 58.9253% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2526% | 1,997 |
| Loan loss allowance to noncurrent loans | 94.6210% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.6858% | 762 |
| Noncurrent loans to loans | 1.3238% | 525 |
| Net loans and leases to total assets | 51.1600% | 3,533 |
| Net loans and leases to deposits | 56.1186% | 3,704 |
| Net loans and leases to core deposits | 57.5816% | 3,852 |
| Total domestic deposits to total assets | 91.1600% | 462 |
| Equity capital to assets | 8.3134% | 3,184 |
| Core capital (leverage) ratio | 10.5237% | 2,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1133% | 774 |
| Memoranda: | ||
| Average total assets | $181,286,400 | 3,114 |
| Average earning assets | $170,531,000 | 3,088 |
| Average equity | $13,266,800 | 3,401 |
| Average total loans | $89,655,800 | 3,292 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1024% | 3,657 |
| Cost of funding earning assets | 0.4976% | 4,140 |
| Net interest margin | 3.6048% | 1,998 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.5525% | 2,074 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.2482% | 1,653 |
| Return on assets (ROA) | 1.1502% | 1,903 |
| Pretax return on assets | 1.1561% | 2,399 |
| Return on Equity (ROE) | 16.2600% | 1,210 |
| Retained earnings to average equity (ytd only) | 10.5711% | 1,248 |
| Net charge-offs to loans | 0.0195% | 1,738 |
| Credit loss provision to net charge-offs | 407.6923% | 713 |
| Earnings coverage of net charge-offs (x) | 135.9231% | 782 |
| Efficiency ratio | 66.1459% | 2,260 |
| Assets per employee ($millions) | 4.1579% | 4,096 |
| Cash dividends to net income (ytd only)* | 34.9904% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2461% | 2,128 |
| Loan loss allowance to noncurrent loans | 103.7649% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.6091% | 965 |
| Noncurrent loans to loans | 1.2009% | 651 |
| Net loans and leases to total assets | 50.0900% | 3,610 |
| Net loans and leases to deposits | 54.2579% | 3,779 |
| Net loans and leases to core deposits | 55.2532% | 3,891 |
| Total domestic deposits to total assets | 92.3100% | 400 |
| Equity capital to assets | 6.9613% | 3,628 |
| Core capital (leverage) ratio | 10.4477% | 2,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4735% | 762 |
| Memoranda: | ||
| Average total assets | $181,879,000 | 3,118 |
| Average earning assets | $171,213,250 | 3,090 |
| Average equity | $12,865,000 | 3,434 |
| Average total loans | $88,898,000 | 3,303 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0044% | 3,680 |
| Cost of funding earning assets | 0.4443% | 4,090 |
| Net interest margin | 3.5602% | 2,130 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.5291% | 2,118 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.1787% | 1,885 |
| Return on assets (ROA) | 1.0311% | 2,312 |
| Pretax return on assets | 1.0344% | 2,820 |
| Return on Equity (ROE) | 14.5000% | 1,576 |
| Retained earnings to average equity (ytd only) | 8.3201% | 1,867 |
| Net charge-offs to loans | 0.0317% | 1,255 |
| Credit loss provision to net charge-offs | 300.0000% | 858 |
| Earnings coverage of net charge-offs (x) | 80.2143% | 1,050 |
| Efficiency ratio | 67.1420% | 2,088 |
| Assets per employee ($millions) | 4.2599% | 4,078 |
| Cash dividends to net income (ytd only)* | 42.6299% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2503% | 2,169 |
| Loan loss allowance to noncurrent loans | 725.9740% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 2,866 |
| Noncurrent loans to loans | 0.1722% | 2,618 |
| Net loans and leases to total assets | 48.2000% | 3,672 |
| Net loans and leases to deposits | 52.2792% | 3,827 |
| Net loans and leases to core deposits | 53.2092% | 3,917 |
| Total domestic deposits to total assets | 92.2100% | 371 |
| Equity capital to assets | 7.2428% | 3,667 |
| Core capital (leverage) ratio | 10.0670% | 2,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0513% | 809 |
| Memoranda: | ||
| Average total assets | $182,909,000 | 3,112 |
| Average earning assets | $172,408,333 | 3,087 |
| Average equity | $13,004,667 | 3,433 |
| Average total loans | $88,303,667 | 3,315 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9167% | 3,640 |
| Cost of funding earning assets | 0.3880% | 3,998 |
| Net interest margin | 3.5288% | 2,290 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.5036% | 2,236 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1883% | 1,962 |
| Return on assets (ROA) | 1.1883% | 1,922 |
| Pretax return on assets | 1.1949% | 2,438 |
| Return on Equity (ROE) | 16.8700% | 1,199 |
| Retained earnings to average equity (ytd only) | 10.5333% | 1,572 |
| Net charge-offs to loans | 0.0046% | 1,806 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 546.0000% | 212 |
| Efficiency ratio | 67.5148% | 2,034 |
| Assets per employee ($millions) | 4.4469% | 4,052 |
| Cash dividends to net income (ytd only)* | 37.5691% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 2,290 |
| Loan loss allowance to noncurrent loans | 585.4839% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.1215% | 2,654 |
| Noncurrent loans to loans | 0.2135% | 2,407 |
| Net loans and leases to total assets | 46.0700% | 3,774 |
| Net loans and leases to deposits | 49.9260% | 3,893 |
| Net loans and leases to core deposits | 50.6260% | 3,969 |
| Total domestic deposits to total assets | 92.2700% | 452 |
| Equity capital to assets | 7.2121% | 3,721 |
| Core capital (leverage) ratio | 9.7655% | 2,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8650% | 866 |
| Memoranda: | ||
| Average total assets | $182,776,500 | 3,158 |
| Average earning assets | $172,185,500 | 3,124 |
| Average equity | $12,873,500 | 3,488 |
| Average total loans | $87,747,000 | 3,359 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3800% | 3,398 |
| Cost of funding earning assets | 0.1721% | 3,986 |
| Net interest margin | 3.2078% | 2,851 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.3972% | 2,432 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.0311% | 2,455 |
| Return on assets (ROA) | 1.0311% | 2,394 |
| Pretax return on assets | 1.0400% | 2,943 |
| Return on Equity (ROE) | 12.9400% | 1,832 |
| Retained earnings to average equity (ytd only) | 5.3152% | 2,915 |
| Net charge-offs to loans | 0.0150% | 1,827 |
| Credit loss provision to net charge-offs | 276.9231% | 951 |
| Earnings coverage of net charge-offs (x) | 147.2308% | 796 |
| Efficiency ratio | 69.1334% | 1,806 |
| Assets per employee ($millions) | 4.1578% | 4,220 |
| Cash dividends to net income (ytd only)* | 58.9151% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9088% | 3,736 |
| Loan loss allowance to noncurrent loans | 313.6719% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 2,533 |
| Noncurrent loans to loans | 0.2897% | 2,109 |
| Net loans and leases to total assets | 48.9700% | 3,591 |
| Net loans and leases to deposits | 52.8582% | 3,741 |
| Net loans and leases to core deposits | 53.3006% | 3,848 |
| Total domestic deposits to total assets | 92.6500% | 478 |
| Equity capital to assets | 6.8669% | 3,732 |
| Core capital (leverage) ratio | 10.0713% | 2,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9843% | 832 |
| Memoranda: | ||
| Average total assets | $180,583,600 | 3,186 |
| Average earning assets | $170,239,200 | 3,148 |
| Average equity | $14,392,600 | 3,423 |
| Average total loans | $86,941,400 | 3,317 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2644% | 3,271 |
| Cost of funding earning assets | 0.1561% | 3,776 |
| Net interest margin | 3.1083% | 2,909 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.3457% | 2,491 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.9898% | 2,506 |
| Return on assets (ROA) | 0.9898% | 2,483 |
| Pretax return on assets | 0.9972% | 3,019 |
| Return on Equity (ROE) | 12.0100% | 2,030 |
| Retained earnings to average equity (ytd only) | 8.3904% | 1,856 |
| Net charge-offs to loans | 0.0200% | 1,436 |
| Credit loss provision to net charge-offs | 276.9231% | 851 |
| Earnings coverage of net charge-offs (x) | 106.9231% | 917 |
| Efficiency ratio | 69.3989% | 1,836 |
| Assets per employee ($millions) | 4.5597% | 4,012 |
| Cash dividends to net income (ytd only)* | 30.1339% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9039% | 3,838 |
| Loan loss allowance to noncurrent loans | 286.7857% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.1575% | 2,515 |
| Noncurrent loans to loans | 0.3152% | 2,115 |
| Net loans and leases to total assets | 49.5100% | 3,497 |
| Net loans and leases to deposits | 53.2627% | 3,648 |
| Net loans and leases to core deposits | 53.7915% | 3,759 |
| Total domestic deposits to total assets | 92.9500% | 592 |
| Equity capital to assets | 6.4776% | 3,749 |
| Core capital (leverage) ratio | 10.0807% | 2,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2390% | 825 |
| Memoranda: | ||
| Average total assets | $181,033,500 | 3,196 |
| Average earning assets | $170,851,500 | 3,168 |
| Average equity | $14,921,500 | 3,411 |
| Average total loans | $86,586,250 | 3,336 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1226% | 3,250 |
| Cost of funding earning assets | 0.1546% | 3,518 |
| Net interest margin | 2.9680% | 2,977 |
| Noninterest income to average assets | 0.4239% | 2,606 |
| Noninterest expense to average assets | 2.3075% | 2,529 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9094% | 2,544 |
| Return on assets (ROA) | 0.9094% | 2,513 |
| Pretax return on assets | 0.9204% | 2,992 |
| Return on Equity (ROE) | 10.3141% | 2,223 |
| Retained earnings to average equity (ytd only) | 6.7391% | 2,075 |
| Net charge-offs to loans | 0.0303% | 1,120 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 64.4615% | 1,045 |
| Efficiency ratio | 71.2827% | 1,797 |
| Assets per employee ($millions) | 4.6762% | 3,952 |
| Cash dividends to net income (ytd only)* | 34.6618% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8933% | 3,972 |
| Loan loss allowance to noncurrent loans | 924.0964% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.0444% | 3,539 |
| Noncurrent loans to loans | 0.0967% | 3,285 |
| Net loans and leases to total assets | 45.4910% | 3,739 |
| Net loans and leases to deposits | 49.3776% | 3,841 |
| Net loans and leases to core deposits | 49.9205% | 3,937 |
| Total domestic deposits to total assets | 92.1288% | 787 |
| Equity capital to assets | 7.3698% | 3,549 |
| Core capital (leverage) ratio | 10.2636% | 2,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2140% | 963 |
| Memoranda: | ||
| Average total assets | $182,102,333 | 3,226 |
| Average earning assets | $172,034,667 | 3,200 |
| Average equity | $16,055,667 | 3,403 |
| Average total loans | $85,834,333 | 3,384 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0643% | 3,070 |
| Cost of funding earning assets | 0.1533% | 3,457 |
| Net interest margin | 2.9109% | 2,800 |
| Noninterest income to average assets | 0.3941% | 2,724 |
| Noninterest expense to average assets | 2.4272% | 2,082 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7037% | 3,045 |
| Return on assets (ROA) | 0.7037% | 3,037 |
| Pretax return on assets | 0.7148% | 3,350 |
| Return on Equity (ROE) | 7.3527% | 2,928 |
| Retained earnings to average equity (ytd only) | 3.6065% | 3,068 |
| Net charge-offs to loans | 0.0373% | 915 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 40.1250% | 1,006 |
| Efficiency ratio | 77.0376% | 1,402 |
| Assets per employee ($millions) | 4.2048% | 4,307 |
| Cash dividends to net income (ytd only)* | 50.9494% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9009% | 4,044 |
| Loan loss allowance to noncurrent loans | 1,265.5738% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.0357% | 3,682 |
| Noncurrent loans to loans | 0.0712% | 3,496 |
| Net loans and leases to total assets | 45.8994% | 3,589 |
| Net loans and leases to deposits | 50.3543% | 3,704 |
| Net loans and leases to core deposits | 50.9201% | 3,817 |
| Total domestic deposits to total assets | 91.1530% | 955 |
| Equity capital to assets | 8.3465% | 3,287 |
| Core capital (leverage) ratio | 9.9515% | 2,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8521% | 1,068 |
| Memoranda: | ||
| Average total assets | $179,629,500 | 3,262 |
| Average earning assets | $169,567,000 | 3,227 |
| Average equity | $17,191,000 | 3,383 |
| Average total loans | $85,823,000 | 3,390 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3422% | 3,079 |
| Cost of funding earning assets | 0.2198% | 3,258 |
| Net interest margin | 3.1224% | 2,835 |
| Noninterest income to average assets | 0.4625% | 2,756 |
| Noninterest expense to average assets | 2.2662% | 2,896 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1226% | 2,200 |
| Return on assets (ROA) | 1.1226% | 2,261 |
| Pretax return on assets | 1.1401% | 2,853 |
| Return on Equity (ROE) | 10.3317% | 2,402 |
| Retained earnings to average equity (ytd only) | 3.8198% | 3,284 |
| Net charge-offs to loans | 0.2142% | 433 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 11.0328% | 2,177 |
| Efficiency ratio | 66.3130% | 2,221 |
| Assets per employee ($millions) | 4.3562% | 4,226 |
| Cash dividends to net income (ytd only)* | 63.0282% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9075% | 4,048 |
| Loan loss allowance to noncurrent loans | 516.5563% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 3,312 |
| Noncurrent loans to loans | 0.1757% | 3,070 |
| Net loans and leases to total assets | 48.8815% | 3,418 |
| Net loans and leases to deposits | 55.1591% | 3,499 |
| Net loans and leases to core deposits | 55.7450% | 3,639 |
| Total domestic deposits to total assets | 88.6191% | 1,724 |
| Equity capital to assets | 10.8696% | 1,885 |
| Core capital (leverage) ratio | 10.3244% | 2,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3612% | 984 |
| Memoranda: | ||
| Average total assets | $177,082,200 | 3,235 |
| Average earning assets | $166,957,000 | 3,216 |
| Average equity | $19,241,800 | 3,281 |
| Average total loans | $85,421,200 | 3,398 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2625% | 3,478 |
| Cost of funding earning assets | 0.2338% | 3,273 |
| Net interest margin | 3.0287% | 3,236 |
| Noninterest income to average assets | 0.4357% | 2,908 |
| Noninterest expense to average assets | 2.2288% | 2,976 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0446% | 2,749 |
| Return on assets (ROA) | 1.0446% | 2,814 |
| Pretax return on assets | 1.0634% | 3,289 |
| Return on Equity (ROE) | 9.6147% | 2,877 |
| Retained earnings to average equity (ytd only) | 5.7633% | 2,926 |
| Net charge-offs to loans | -0.0172% | 3,905 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4715% | 1,901 |
| Assets per employee ($millions) | 4.2492% | 4,300 |
| Cash dividends to net income (ytd only)* | 40.0574% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 3,369 |
| Loan loss allowance to noncurrent loans | 289.0208% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.1963% | 2,813 |
| Noncurrent loans to loans | 0.3858% | 2,403 |
| Net loans and leases to total assets | 49.5758% | 3,460 |
| Net loans and leases to deposits | 56.2536% | 3,558 |
| Net loans and leases to core deposits | 56.8543% | 3,708 |
| Total domestic deposits to total assets | 88.1291% | 1,762 |
| Equity capital to assets | 11.2544% | 1,854 |
| Core capital (leverage) ratio | 10.2860% | 2,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6440% | 1,018 |
| Memoranda: | ||
| Average total assets | $177,790,750 | 3,263 |
| Average earning assets | $167,679,000 | 3,238 |
| Average equity | $19,317,250 | 3,312 |
| Average total loans | $85,287,750 | 3,445 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0896% | 3,890 |
| Cost of funding earning assets | 0.2475% | 3,301 |
| Net interest margin | 2.8421% | 3,695 |
| Noninterest income to average assets | 0.4291% | 2,956 |
| Noninterest expense to average assets | 2.2025% | 3,087 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8872% | 3,257 |
| Return on assets (ROA) | 0.8872% | 3,333 |
| Pretax return on assets | 0.9085% | 3,644 |
| Return on Equity (ROE) | 8.2619% | 3,333 |
| Retained earnings to average equity (ytd only) | 4.1726% | 3,466 |
| Net charge-offs to loans | -0.0260% | 4,100 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5819% | 1,571 |
| Assets per employee ($millions) | 4.3410% | 4,225 |
| Cash dividends to net income (ytd only)* | 49.4962% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1122% | 3,365 |
| Loan loss allowance to noncurrent loans | 282.3188% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.2029% | 2,935 |
| Noncurrent loans to loans | 0.3940% | 2,494 |
| Net loans and leases to total assets | 47.4962% | 3,780 |
| Net loans and leases to deposits | 53.4167% | 3,896 |
| Net loans and leases to core deposits | 53.9562% | 4,024 |
| Total domestic deposits to total assets | 88.9164% | 1,322 |
| Equity capital to assets | 10.5345% | 2,365 |
| Core capital (leverage) ratio | 9.6859% | 2,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9829% | 1,123 |
| Memoranda: | ||
| Average total assets | $178,982,333 | 3,255 |
| Average earning assets | $168,889,667 | 3,235 |
| Average equity | $19,220,667 | 3,316 |
| Average total loans | $84,602,667 | 3,471 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7477% | 2,246 |
| Cost of funding earning assets | 0.2677% | 3,299 |
| Net interest margin | 3.4800% | 1,883 |
| Noninterest income to average assets | 0.3854% | 3,174 |
| Noninterest expense to average assets | 2.2698% | 2,880 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3704% | 1,634 |
| Return on assets (ROA) | 1.3704% | 1,720 |
| Pretax return on assets | 1.3975% | 2,285 |
| Return on Equity (ROE) | 12.5513% | 1,815 |
| Retained earnings to average equity (ytd only) | 8.1955% | 2,176 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7087% | 2,805 |
| Assets per employee ($millions) | 4.4730% | 4,126 |
| Cash dividends to net income (ytd only)* | 34.7039% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1566% | 3,160 |
| Loan loss allowance to noncurrent loans | 302.8302% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.2225% | 3,039 |
| Noncurrent loans to loans | 0.3819% | 2,722 |
| Net loans and leases to total assets | 44.8746% | 4,047 |
| Net loans and leases to deposits | 51.6863% | 4,062 |
| Net loans and leases to core deposits | 52.2166% | 4,182 |
| Total domestic deposits to total assets | 86.8211% | 2,382 |
| Equity capital to assets | 10.4531% | 2,313 |
| Core capital (leverage) ratio | 9.8961% | 2,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3110% | 1,216 |
| Memoranda: | ||
| Average total assets | $177,460,500 | 3,263 |
| Average earning assets | $167,355,500 | 3,236 |
| Average equity | $19,376,500 | 3,292 |
| Average total loans | $83,267,500 | 3,507 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7630% | 3,406 |
| Cost of funding earning assets | 0.4361% | 3,371 |
| Net interest margin | 3.3269% | 2,998 |
| Noninterest income to average assets | 0.4460% | 2,882 |
| Noninterest expense to average assets | 2.4335% | 3,043 |
| Loan and lease loss provision to assets | 0.0813% | 3,358 |
| Net operating income to assets | 1.0294% | 2,182 |
| Return on assets (ROA) | 1.0294% | 2,325 |
| Pretax return on assets | 1.0375% | 2,923 |
| Return on Equity (ROE) | 8.5237% | 2,590 |
| Retained earnings to average equity (ytd only) | -0.5815% | 4,600 |
| Net charge-offs to loans | -0.0656% | 4,729 |
| Credit loss provision to net charge-offs | -235.7143% | 3,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2796% | 2,199 |
| Assets per employee ($millions) | 4.1837% | 4,223 |
| Cash dividends to net income (ytd only)* | 106.8223% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 3,181 |
| Loan loss allowance to noncurrent loans | 236.0294% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.3026% | 2,786 |
| Noncurrent loans to loans | 0.4899% | 2,499 |
| Net loans and leases to total assets | 47.9875% | 3,975 |
| Net loans and leases to deposits | 56.0002% | 3,997 |
| Net loans and leases to core deposits | 56.5251% | 4,126 |
| Total domestic deposits to total assets | 85.6917% | 2,492 |
| Equity capital to assets | 11.4167% | 1,946 |
| Core capital (leverage) ratio | 10.3168% | 2,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7424% | 1,099 |
| Memoranda: | ||
| Average total assets | $162,320,000 | 3,267 |
| Average earning assets | $151,554,400 | 3,251 |
| Average equity | $19,604,200 | 3,221 |
| Average total loans | $85,421,600 | 3,478 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9147% | 3,206 |
| Cost of funding earning assets | 0.4747% | 3,395 |
| Net interest margin | 3.4400% | 2,781 |
| Noninterest income to average assets | 0.4166% | 3,000 |
| Noninterest expense to average assets | 2.5047% | 2,826 |
| Loan and lease loss provision to assets | 0.1100% | 2,943 |
| Net operating income to assets | 1.0032% | 2,330 |
| Return on assets (ROA) | 1.0032% | 2,460 |
| Pretax return on assets | 1.0082% | 3,039 |
| Return on Equity (ROE) | 8.1863% | 2,731 |
| Retained earnings to average equity (ytd only) | 4.0932% | 3,001 |
| Net charge-offs to loans | -0.0419% | 4,625 |
| Credit loss provision to net charge-offs | -488.8889% | 3,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9052% | 2,060 |
| Assets per employee ($millions) | 4.1376% | 4,206 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0743% | 3,337 |
| Loan loss allowance to noncurrent loans | 227.8049% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.3154% | 2,890 |
| Noncurrent loans to loans | 0.4716% | 2,641 |
| Net loans and leases to total assets | 51.9658% | 3,970 |
| Net loans and leases to deposits | 61.3922% | 3,962 |
| Net loans and leases to core deposits | 61.9941% | 4,109 |
| Total domestic deposits to total assets | 84.6456% | 2,574 |
| Equity capital to assets | 12.2759% | 1,532 |
| Core capital (leverage) ratio | 10.9292% | 1,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6753% | 952 |
| Memoranda: | ||
| Average total assets | $160,017,500 | 3,274 |
| Average earning assets | $149,142,750 | 3,253 |
| Average equity | $19,609,500 | 3,225 |
| Average total loans | $85,958,000 | 3,485 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0670% | 3,138 |
| Cost of funding earning assets | 0.5184% | 3,422 |
| Net interest margin | 3.5486% | 2,642 |
| Noninterest income to average assets | 0.4058% | 3,043 |
| Noninterest expense to average assets | 2.5666% | 2,777 |
| Loan and lease loss provision to assets | 0.1669% | 2,336 |
| Net operating income to assets | 0.9672% | 2,433 |
| Return on assets (ROA) | 0.9672% | 2,565 |
| Pretax return on assets | 0.9697% | 3,113 |
| Return on Equity (ROE) | 7.8973% | 2,790 |
| Retained earnings to average equity (ytd only) | 4.5010% | 2,705 |
| Net charge-offs to loans | 0.0023% | 2,928 |
| Credit loss provision to net charge-offs | 13,200.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 899.0000% | 103 |
| Efficiency ratio | 69.1021% | 2,075 |
| Assets per employee ($millions) | 3.7928% | 4,475 |
| Cash dividends to net income (ytd only)* | 43.0065% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0674% | 3,245 |
| Loan loss allowance to noncurrent loans | 218.3133% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.4752% | 2,418 |
| Noncurrent loans to loans | 0.4889% | 2,686 |
| Net loans and leases to total assets | 50.3215% | 4,149 |
| Net loans and leases to deposits | 59.2987% | 4,151 |
| Net loans and leases to core deposits | 59.8728% | 4,268 |
| Total domestic deposits to total assets | 84.8611% | 2,449 |
| Equity capital to assets | 12.1074% | 1,600 |
| Core capital (leverage) ratio | 11.1196% | 1,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5163% | 975 |
| Memoranda: | ||
| Average total assets | $158,189,000 | 3,268 |
| Average earning assets | $146,988,000 | 3,252 |
| Average equity | $19,373,667 | 3,235 |
| Average total loans | $85,631,000 | 3,489 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1289% | 3,440 |
| Cost of funding earning assets | 0.5762% | 3,558 |
| Net interest margin | 3.5527% | 2,811 |
| Noninterest income to average assets | 0.4472% | 2,806 |
| Noninterest expense to average assets | 2.6235% | 2,912 |
| Loan and lease loss provision to assets | 0.2522% | 1,230 |
| Net operating income to assets | 0.8528% | 2,698 |
| Return on assets (ROA) | 0.8528% | 2,797 |
| Pretax return on assets | 0.8580% | 3,258 |
| Return on Equity (ROE) | 6.9206% | 2,983 |
| Retained earnings to average equity (ytd only) | 3.5869% | 2,855 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0557% | 2,343 |
| Assets per employee ($millions) | 3.6141% | 4,372 |
| Cash dividends to net income (ytd only)* | 48.1707% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 3,574 |
| Loan loss allowance to noncurrent loans | 192.4945% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.5347% | 2,388 |
| Noncurrent loans to loans | 0.5325% | 2,669 |
| Net loans and leases to total assets | 54.1774% | 3,978 |
| Net loans and leases to deposits | 62.3910% | 4,080 |
| Net loans and leases to core deposits | 63.2344% | 4,213 |
| Total domestic deposits to total assets | 86.8353% | 1,630 |
| Equity capital to assets | 12.4994% | 1,730 |
| Core capital (leverage) ratio | 11.4600% | 2,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8120% | 1,006 |
| Memoranda: | ||
| Average total assets | $153,843,000 | 3,279 |
| Average earning assets | $142,315,500 | 3,275 |
| Average equity | $18,958,000 | 3,277 |
| Average total loans | $86,005,000 | 3,485 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2861% | 3,570 |
| Cost of funding earning assets | 0.5440% | 3,906 |
| Net interest margin | 3.7421% | 2,685 |
| Noninterest income to average assets | 0.4791% | 2,860 |
| Noninterest expense to average assets | 2.6505% | 3,026 |
| Loan and lease loss provision to assets | 0.3657% | 410 |
| Net operating income to assets | 0.9355% | 3,073 |
| Return on assets (ROA) | 0.9355% | 3,152 |
| Pretax return on assets | 0.9422% | 3,625 |
| Return on Equity (ROE) | 7.6753% | 3,299 |
| Retained earnings to average equity (ytd only) | 1.0347% | 4,372 |
| Net charge-offs to loans | 0.6319% | 287 |
| Credit loss provision to net charge-offs | 98.9170% | 2,518 |
| Earnings coverage of net charge-offs (x) | 3.5379% | 3,311 |
| Efficiency ratio | 66.7397% | 2,654 |
| Assets per employee ($millions) | 3.5413% | 4,443 |
| Cash dividends to net income (ytd only)* | 86.5193% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8914% | 3,994 |
| Loan loss allowance to noncurrent loans | 168.8453% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.6134% | 2,055 |
| Noncurrent loans to loans | 0.5279% | 2,599 |
| Net loans and leases to total assets | 56.5853% | 3,881 |
| Net loans and leases to deposits | 64.8809% | 4,013 |
| Net loans and leases to core deposits | 65.6330% | 4,205 |
| Total domestic deposits to total assets | 87.2142% | 1,510 |
| Equity capital to assets | 12.1429% | 2,047 |
| Core capital (leverage) ratio | 11.4876% | 2,121 |
| Tier 1 risk-based capital ratio | 17.9155% | 1,781 |
| Total risk-based capital ratio | 18.7207% | 1,857 |
| Memoranda: | ||
| Average total assets | $149,859,200 | 3,300 |
| Average earning assets | $139,333,800 | 3,286 |
| Average equity | $18,266,400 | 3,313 |
| Average total loans | $87,669,400 | 3,455 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2860% | 3,699 |
| Cost of funding earning assets | 0.5288% | 4,035 |
| Net interest margin | 3.7572% | 2,728 |
| Noninterest income to average assets | 0.4654% | 2,929 |
| Noninterest expense to average assets | 2.6853% | 2,905 |
| Loan and lease loss provision to assets | 0.3546% | 377 |
| Net operating income to assets | 0.9228% | 3,266 |
| Return on assets (ROA) | 0.9228% | 3,338 |
| Pretax return on assets | 0.9290% | 3,795 |
| Return on Equity (ROE) | 7.5633% | 3,484 |
| Retained earnings to average equity (ytd only) | 3.7414% | 3,527 |
| Net charge-offs to loans | 0.0258% | 2,579 |
| Credit loss provision to net charge-offs | 2,335.2941% | 175 |
| Earnings coverage of net charge-offs (x) | 84.5148% | 834 |
| Efficiency ratio | 67.4319% | 2,511 |
| Assets per employee ($millions) | 3.5335% | 4,466 |
| Cash dividends to net income (ytd only)* | 50.5322% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3288% | 1,843 |
| Loan loss allowance to noncurrent loans | 71.7996% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 1.0991% | 1,192 |
| Noncurrent loans to loans | 1.8506% | 762 |
| Net loans and leases to total assets | 56.7421% | 3,993 |
| Net loans and leases to deposits | 65.3181% | 4,108 |
| Net loans and leases to core deposits | 66.2054% | 4,264 |
| Total domestic deposits to total assets | 86.8705% | 1,587 |
| Equity capital to assets | 12.4023% | 1,980 |
| Core capital (leverage) ratio | 11.8543% | 1,955 |
| Tier 1 risk-based capital ratio | 17.9323% | 1,841 |
| Total risk-based capital ratio | 19.1149% | 1,803 |
| Memoranda: | ||
| Average total assets | $149,254,500 | 3,341 |
| Average earning assets | $139,178,000 | 3,325 |
| Average equity | $18,210,250 | 3,338 |
| Average total loans | $87,851,250 | 3,488 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2490% | 3,797 |
| Cost of funding earning assets | 0.5113% | 4,067 |
| Net interest margin | 3.7377% | 2,799 |
| Noninterest income to average assets | 0.4435% | 2,996 |
| Noninterest expense to average assets | 2.6908% | 2,938 |
| Loan and lease loss provision to assets | 0.0377% | 3,060 |
| Net operating income to assets | 1.2011% | 2,145 |
| Return on assets (ROA) | 1.2011% | 2,206 |
| Pretax return on assets | 1.2038% | 2,890 |
| Return on Equity (ROE) | 9.9006% | 2,442 |
| Retained earnings to average equity (ytd only) | 6.2337% | 2,176 |
| Net charge-offs to loans | -0.0091% | 4,294 |
| Credit loss provision to net charge-offs | -700.0000% | 4,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2208% | 2,500 |
| Assets per employee ($millions) | 3.6550% | 4,306 |
| Cash dividends to net income (ytd only)* | 37.0370% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9245% | 3,986 |
| Loan loss allowance to noncurrent loans | 159.7250% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.3750% | 3,010 |
| Noncurrent loans to loans | 0.5788% | 2,523 |
| Net loans and leases to total assets | 58.1409% | 3,904 |
| Net loans and leases to deposits | 67.0032% | 4,026 |
| Net loans and leases to core deposits | 67.9215% | 4,209 |
| Total domestic deposits to total assets | 86.7732% | 1,696 |
| Equity capital to assets | 12.5395% | 1,832 |
| Core capital (leverage) ratio | 12.0134% | 1,821 |
| Tier 1 risk-based capital ratio | 18.3024% | 1,724 |
| Total risk-based capital ratio | 19.1473% | 1,783 |
| Memoranda: | ||
| Average total assets | $148,359,330 | 3,371 |
| Average earning assets | $138,480,330 | 3,350 |
| Average equity | $17,999,000 | 3,353 |
| Average total loans | $88,010,000 | 3,498 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2092% | 3,832 |
| Cost of funding earning assets | 0.4938% | 4,086 |
| Net interest margin | 3.7154% | 2,836 |
| Noninterest income to average assets | 0.4417% | 2,901 |
| Noninterest expense to average assets | 2.7288% | 2,815 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1734% | 2,163 |
| Return on assets (ROA) | 1.1734% | 2,214 |
| Pretax return on assets | 1.1788% | 2,879 |
| Return on Equity (ROE) | 9.8392% | 2,434 |
| Retained earnings to average equity (ytd only) | 6.4080% | 2,275 |
| Net charge-offs to loans | -0.0091% | 4,194 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6255% | 2,405 |
| Assets per employee ($millions) | 3.4907% | 4,571 |
| Cash dividends to net income (ytd only)* | 34.8730% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8917% | 4,195 |
| Loan loss allowance to noncurrent loans | 164.1509% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.3611% | 3,154 |
| Noncurrent loans to loans | 0.5432% | 2,684 |
| Net loans and leases to total assets | 57.9779% | 3,894 |
| Net loans and leases to deposits | 66.3692% | 4,028 |
| Net loans and leases to core deposits | 67.1367% | 4,224 |
| Total domestic deposits to total assets | 87.3566% | 1,635 |
| Equity capital to assets | 11.9972% | 2,020 |
| Core capital (leverage) ratio | 11.8166% | 1,895 |
| Tier 1 risk-based capital ratio | 17.7556% | 1,869 |
| Total risk-based capital ratio | 18.5590% | 1,954 |
| Memoranda: | ||
| Average total assets | $147,611,500 | 3,417 |
| Average earning assets | $137,697,500 | 3,400 |
| Average equity | $17,603,000 | 3,397 |
| Average total loans | $88,045,000 | 3,536 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1808% | 3,495 |
| Cost of funding earning assets | 0.4215% | 3,847 |
| Net interest margin | 3.7593% | 2,828 |
| Noninterest income to average assets | 0.8071% | 1,423 |
| Noninterest expense to average assets | 2.6607% | 3,151 |
| Loan and lease loss provision to assets | -0.0412% | 5,175 |
| Net operating income to assets | 1.6747% | 728 |
| Return on assets (ROA) | 1.6747% | 727 |
| Pretax return on assets | 1.6920% | 1,189 |
| Return on Equity (ROE) | 15.1368% | 797 |
| Retained earnings to average equity (ytd only) | 6.5559% | 1,894 |
| Net charge-offs to loans | 0.5050% | 353 |
| Credit loss provision to net charge-offs | -13.6264% | 4,278 |
| Earnings coverage of net charge-offs (x) | 5.4571% | 3,194 |
| Efficiency ratio | 61.5112% | 3,625 |
| Assets per employee ($millions) | 3.4553% | 4,601 |
| Cash dividends to net income (ytd only)* | 56.6892% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8847% | 4,231 |
| Loan loss allowance to noncurrent loans | 225.7225% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.2935% | 3,404 |
| Noncurrent loans to loans | 0.3919% | 3,127 |
| Net loans and leases to total assets | 60.2945% | 3,741 |
| Net loans and leases to deposits | 69.5548% | 3,862 |
| Net loans and leases to core deposits | 70.3914% | 4,099 |
| Total domestic deposits to total assets | 86.6863% | 1,928 |
| Equity capital to assets | 11.8508% | 2,000 |
| Core capital (leverage) ratio | 11.7587% | 1,908 |
| Tier 1 risk-based capital ratio | 18.1341% | 1,721 |
| Total risk-based capital ratio | 18.9651% | 1,794 |
| Memoranda: | ||
| Average total assets | $150,412,400 | 3,381 |
| Average earning assets | $140,213,200 | 3,357 |
| Average equity | $16,641,600 | 3,445 |
| Average total loans | $90,090,600 | 3,480 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1125% | 3,593 |
| Cost of funding earning assets | 0.4040% | 3,830 |
| Net interest margin | 3.7085% | 2,989 |
| Noninterest income to average assets | 0.8769% | 1,259 |
| Noninterest expense to average assets | 2.5957% | 3,291 |
| Loan and lease loss provision to assets | -0.0545% | 5,298 |
| Net operating income to assets | 1.7803% | 621 |
| Return on assets (ROA) | 1.7803% | 625 |
| Pretax return on assets | 1.7961% | 1,021 |
| Return on Equity (ROE) | 16.3689% | 633 |
| Retained earnings to average equity (ytd only) | 11.9090% | 490 |
| Net charge-offs to loans | 0.6627% | 216 |
| Credit loss provision to net charge-offs | -13.7778% | 4,095 |
| Earnings coverage of net charge-offs (x) | 4.4044% | 3,065 |
| Efficiency ratio | 59.6434% | 3,858 |
| Assets per employee ($millions) | 3.4083% | 4,673 |
| Cash dividends to net income (ytd only)* | 27.2457% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8810% | 4,338 |
| Loan loss allowance to noncurrent loans | 531.0811% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.2490% | 3,714 |
| Noncurrent loans to loans | 0.1659% | 4,144 |
| Net loans and leases to total assets | 60.3406% | 3,809 |
| Net loans and leases to deposits | 69.3535% | 3,968 |
| Net loans and leases to core deposits | 70.2342% | 4,177 |
| Total domestic deposits to total assets | 87.0045% | 1,728 |
| Equity capital to assets | 11.6882% | 2,112 |
| Core capital (leverage) ratio | 11.7008% | 2,011 |
| Tier 1 risk-based capital ratio | 18.4056% | 1,690 |
| Total risk-based capital ratio | 19.2359% | 1,757 |
| Memoranda: | ||
| Average total assets | $151,735,250 | 3,400 |
| Average earning assets | $141,579,750 | 3,374 |
| Average equity | $16,502,500 | 3,486 |
| Average total loans | $90,543,000 | 3,496 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0280% | 3,699 |
| Cost of funding earning assets | 0.3652% | 3,977 |
| Net interest margin | 3.6629% | 3,069 |
| Noninterest income to average assets | 1.0543% | 869 |
| Noninterest expense to average assets | 2.5661% | 3,429 |
| Loan and lease loss provision to assets | 0.4887% | 235 |
| Net operating income to assets | 1.4036% | 1,429 |
| Return on assets (ROA) | 1.4036% | 1,431 |
| Pretax return on assets | 1.4114% | 2,103 |
| Return on Equity (ROE) | 13.2201% | 1,292 |
| Retained earnings to average equity (ytd only) | 8.8871% | 1,257 |
| Net charge-offs to loans | 1.9630% | 52 |
| Credit loss provision to net charge-offs | 41.9933% | 2,549 |
| Earnings coverage of net charge-offs (x) | 1.6327% | 3,042 |
| Efficiency ratio | 57.2804% | 4,330 |
| Assets per employee ($millions) | 3.5007% | 4,595 |
| Cash dividends to net income (ytd only)* | 32.7762% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8774% | 4,437 |
| Loan loss allowance to noncurrent loans | 319.6721% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.3780% | 3,226 |
| Noncurrent loans to loans | 0.2745% | 3,732 |
| Net loans and leases to total assets | 58.5371% | 3,948 |
| Net loans and leases to deposits | 68.6173% | 3,976 |
| Net loans and leases to core deposits | 69.6186% | 4,166 |
| Total domestic deposits to total assets | 85.3094% | 2,561 |
| Equity capital to assets | 11.0103% | 2,632 |
| Core capital (leverage) ratio | 11.1301% | 2,410 |
| Tier 1 risk-based capital ratio | 17.4647% | 1,952 |
| Total risk-based capital ratio | 18.2817% | 2,038 |
| Memoranda: | ||
| Average total assets | $153,461,000 | 3,393 |
| Average earning assets | $142,948,330 | 3,379 |
| Average equity | $16,293,330 | 3,522 |
| Average total loans | $90,984,000 | 3,495 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9509% | 3,783 |
| Cost of funding earning assets | 0.3508% | 3,982 |
| Net interest margin | 3.6000% | 3,181 |
| Noninterest income to average assets | 0.4544% | 3,087 |
| Noninterest expense to average assets | 2.4993% | 3,645 |
| Loan and lease loss provision to assets | 0.9682% | 91 |
| Net operating income to assets | 0.3202% | 5,064 |
| Return on assets (ROA) | 0.3202% | 5,069 |
| Pretax return on assets | 0.3253% | 5,138 |
| Return on Equity (ROE) | 3.0706% | 5,007 |
| Retained earnings to average equity (ytd only) | -0.3467% | 4,842 |
| Net charge-offs to loans | 3.2642% | 31 |
| Credit loss provision to net charge-offs | 49.9334% | 1,954 |
| Earnings coverage of net charge-offs (x) | 0.6671% | 2,627 |
| Efficiency ratio | 65.6909% | 3,223 |
| Assets per employee ($millions) | 3.6429% | 4,479 |
| Cash dividends to net income (ytd only)* | 111.2903% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0563% | 3,622 |
| Loan loss allowance to noncurrent loans | 162.6102% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 2.2260% | 465 |
| Noncurrent loans to loans | 0.6496% | 2,602 |
| Net loans and leases to total assets | 55.1332% | 4,195 |
| Net loans and leases to deposits | 61.8047% | 4,351 |
| Net loans and leases to core deposits | 62.6294% | 4,507 |
| Total domestic deposits to total assets | 89.2056% | 1,008 |
| Equity capital to assets | 10.1847% | 3,411 |
| Core capital (leverage) ratio | 10.3271% | 3,154 |
| Tier 1 risk-based capital ratio | 15.9484% | 2,501 |
| Total risk-based capital ratio | 16.8699% | 2,567 |
| Memoranda: | ||
| Average total assets | $154,925,500 | 3,417 |
| Average earning assets | $143,665,000 | 3,414 |
| Average equity | $16,153,000 | 3,566 |
| Average total loans | $92,027,500 | 3,502 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7676% | 4,158 |
| Cost of funding earning assets | 0.3079% | 4,056 |
| Net interest margin | 3.4598% | 3,655 |
| Noninterest income to average assets | 0.3825% | 3,747 |
| Noninterest expense to average assets | 2.3889% | 4,109 |
| Loan and lease loss provision to assets | 0.3882% | 383 |
| Net operating income to assets | 0.8426% | 2,984 |
| Return on assets (ROA) | 0.8426% | 3,010 |
| Pretax return on assets | 0.8539% | 4,076 |
| Return on Equity (ROE) | 7.8985% | 2,839 |
| Retained earnings to average equity (ytd only) | -0.6331% | 5,135 |
| Net charge-offs to loans | 0.7186% | 295 |
| Credit loss provision to net charge-offs | 88.4892% | 2,817 |
| Earnings coverage of net charge-offs (x) | 2.8317% | 3,694 |
| Efficiency ratio | 65.5658% | 3,332 |
| Assets per employee ($millions) | 3.7367% | 4,382 |
| Cash dividends to net income (ytd only)* | 108.0150% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3413% | 2,014 |
| Loan loss allowance to noncurrent loans | 31.4362% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 3.2930% | 223 |
| Noncurrent loans to loans | 4.2669% | 210 |
| Net loans and leases to total assets | 62.3159% | 3,578 |
| Net loans and leases to deposits | 71.2858% | 3,761 |
| Net loans and leases to core deposits | 72.2767% | 4,031 |
| Total domestic deposits to total assets | 87.4169% | 1,805 |
| Equity capital to assets | 10.6733% | 2,971 |
| Core capital (leverage) ratio | 10.3953% | 2,971 |
| Tier 1 risk-based capital ratio | 15.3797% | 2,671 |
| Total risk-based capital ratio | 16.6257% | 2,612 |
| Memoranda: | ||
| Average total assets | $158,441,800 | 3,371 |
| Average earning assets | $148,767,800 | 3,339 |
| Average equity | $16,902,000 | 3,490 |
| Average total loans | $96,715,200 | 3,399 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6921% | 4,338 |
| Cost of funding earning assets | 0.3008% | 4,124 |
| Net interest margin | 3.3913% | 3,875 |
| Noninterest income to average assets | 0.3664% | 3,907 |
| Noninterest expense to average assets | 2.3569% | 4,131 |
| Loan and lease loss provision to assets | 0.0217% | 3,713 |
| Net operating income to assets | 1.1618% | 1,838 |
| Return on assets (ROA) | 1.1618% | 1,883 |
| Pretax return on assets | 1.1776% | 2,995 |
| Return on Equity (ROE) | 10.8920% | 1,746 |
| Retained earnings to average equity (ytd only) | 5.5400% | 2,514 |
| Net charge-offs to loans | 0.0248% | 2,952 |
| Credit loss provision to net charge-offs | 144.4444% | 1,738 |
| Earnings coverage of net charge-offs (x) | 79.8313% | 815 |
| Efficiency ratio | 66.0408% | 3,202 |
| Assets per employee ($millions) | 3.6750% | 4,487 |
| Cash dividends to net income (ytd only)* | 49.1382% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4018% | 1,881 |
| Loan loss allowance to noncurrent loans | 21.3395% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 4.1601% | 157 |
| Noncurrent loans to loans | 6.5690% | 84 |
| Net loans and leases to total assets | 61.6919% | 3,682 |
| Net loans and leases to deposits | 69.9360% | 3,968 |
| Net loans and leases to core deposits | 70.5811% | 4,209 |
| Total domestic deposits to total assets | 88.2119% | 1,250 |
| Equity capital to assets | 11.1255% | 2,740 |
| Core capital (leverage) ratio | 10.7104% | 2,750 |
| Tier 1 risk-based capital ratio | 15.6124% | 2,665 |
| Total risk-based capital ratio | 16.8628% | 2,608 |
| Memoranda: | ||
| Average total assets | $159,751,000 | 3,381 |
| Average earning assets | $150,261,250 | 3,348 |
| Average equity | $17,039,500 | 3,518 |
| Average total loans | $96,701,750 | 3,430 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5930% | 4,529 |
| Cost of funding earning assets | 0.2985% | 4,095 |
| Net interest margin | 3.2945% | 4,127 |
| Noninterest income to average assets | 0.3530% | 4,032 |
| Noninterest expense to average assets | 2.3016% | 4,345 |
| Loan and lease loss provision to assets | 0.0324% | 3,348 |
| Net operating income to assets | 1.1015% | 1,968 |
| Return on assets (ROA) | 1.1015% | 2,016 |
| Pretax return on assets | 1.1165% | 3,107 |
| Return on Equity (ROE) | 10.4751% | 1,843 |
| Retained earnings to average equity (ytd only) | 5.7655% | 2,251 |
| Net charge-offs to loans | 0.0333% | 2,530 |
| Credit loss provision to net charge-offs | 162.5000% | 1,448 |
| Earnings coverage of net charge-offs (x) | 57.5625% | 979 |
| Efficiency ratio | 66.4859% | 3,267 |
| Assets per employee ($millions) | 3.7914% | 4,287 |
| Cash dividends to net income (ytd only)* | 44.9604% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4292% | 1,821 |
| Loan loss allowance to noncurrent loans | 20.6825% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 4.2640% | 154 |
| Noncurrent loans to loans | 6.9103% | 72 |
| Net loans and leases to total assets | 60.1155% | 3,837 |
| Net loans and leases to deposits | 67.9370% | 4,079 |
| Net loans and leases to core deposits | 69.2096% | 4,279 |
| Total domestic deposits to total assets | 88.4872% | 1,210 |
| Equity capital to assets | 10.9062% | 2,918 |
| Core capital (leverage) ratio | 10.4517% | 2,975 |
| Tier 1 risk-based capital ratio | 15.5472% | 2,685 |
| Total risk-based capital ratio | 16.7979% | 2,621 |
| Memoranda: | ||
| Average total assets | $160,326,670 | 3,394 |
| Average earning assets | $150,736,330 | 3,358 |
| Average equity | $16,859,000 | 3,551 |
| Average total loans | $95,977,670 | 3,454 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4714% | 4,775 |
| Cost of funding earning assets | 0.2999% | 4,049 |
| Net interest margin | 3.1715% | 4,432 |
| Noninterest income to average assets | 0.3406% | 4,120 |
| Noninterest expense to average assets | 2.2975% | 4,412 |
| Loan and lease loss provision to assets | 0.0646% | 2,508 |
| Net operating income to assets | 0.9374% | 2,571 |
| Return on assets (ROA) | 0.9374% | 2,630 |
| Pretax return on assets | 0.9498% | 3,588 |
| Return on Equity (ROE) | 9.0816% | 2,374 |
| Retained earnings to average equity (ytd only) | 4.6974% | 3,056 |
| Net charge-offs to loans | -0.0042% | 4,132 |
| Credit loss provision to net charge-offs | -2,600.0000% | 4,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1441% | 3,016 |
| Assets per employee ($millions) | 4.0368% | 3,949 |
| Cash dividends to net income (ytd only)* | 48.2759% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4941% | 1,717 |
| Loan loss allowance to noncurrent loans | 30.1956% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 2.9306% | 353 |
| Noncurrent loans to loans | 4.9480% | 167 |
| Net loans and leases to total assets | 57.3682% | 4,028 |
| Net loans and leases to deposits | 64.4359% | 4,287 |
| Net loans and leases to core deposits | 67.0161% | 4,356 |
| Total domestic deposits to total assets | 89.0315% | 1,124 |
| Equity capital to assets | 10.4000% | 3,290 |
| Core capital (leverage) ratio | 10.0747% | 3,409 |
| Tier 1 risk-based capital ratio | 15.5620% | 2,726 |
| Total risk-based capital ratio | 16.8135% | 2,656 |
| Memoranda: | ||
| Average total assets | $160,870,000 | 3,414 |
| Average earning assets | $150,719,000 | 3,391 |
| Average equity | $16,605,000 | 3,589 |
| Average total loans | $95,408,500 | 3,489 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0214% | 3,120 |
| Cost of funding earning assets | 0.3048% | 4,016 |
| Net interest margin | 3.7166% | 2,620 |
| Noninterest income to average assets | 0.5194% | 3,104 |
| Noninterest expense to average assets | 2.2749% | 4,606 |
| Loan and lease loss provision to assets | 0.2574% | 808 |
| Net operating income to assets | 1.4578% | 903 |
| Return on assets (ROA) | 1.4798% | 890 |
| Pretax return on assets | 1.4987% | 1,588 |
| Return on Equity (ROE) | 13.2047% | 951 |
| Retained earnings to average equity (ytd only) | 2.8042% | 3,905 |
| Net charge-offs to loans | 0.1012% | 2,267 |
| Credit loss provision to net charge-offs | 410.4167% | 778 |
| Earnings coverage of net charge-offs (x) | 27.6458% | 1,506 |
| Efficiency ratio | 55.7366% | 5,087 |
| Assets per employee ($millions) | 4.0067% | 3,953 |
| Cash dividends to net income (ytd only)* | 78.7638% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4239% | 1,989 |
| Loan loss allowance to noncurrent loans | 123.1457% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 0.7475% | 2,490 |
| Noncurrent loans to loans | 1.1562% | 1,775 |
| Net loans and leases to total assets | 59.5255% | 3,904 |
| Net loans and leases to deposits | 66.7359% | 4,191 |
| Net loans and leases to core deposits | 69.4214% | 4,293 |
| Total domestic deposits to total assets | 89.1957% | 1,016 |
| Equity capital to assets | 10.2434% | 3,454 |
| Core capital (leverage) ratio | 10.2222% | 3,199 |
| Tier 1 risk-based capital ratio | 15.3700% | 2,807 |
| Total risk-based capital ratio | 16.6212% | 2,738 |
| Memoranda: | ||
| Average total assets | $153,062,400 | 3,471 |
| Average earning assets | $143,706,800 | 3,451 |
| Average equity | $17,153,000 | 3,537 |
| Average total loans | $94,816,800 | 3,484 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0549% | 3,018 |
| Cost of funding earning assets | 0.3029% | 4,063 |
| Net interest margin | 3.7520% | 2,512 |
| Noninterest income to average assets | 0.3852% | 4,026 |
| Noninterest expense to average assets | 2.2609% | 4,624 |
| Loan and lease loss provision to assets | 0.1437% | 1,629 |
| Net operating income to assets | 1.4864% | 905 |
| Return on assets (ROA) | 1.5161% | 902 |
| Pretax return on assets | 1.5373% | 1,583 |
| Return on Equity (ROE) | 13.2277% | 986 |
| Retained earnings to average equity (ytd only) | 6.8368% | 1,705 |
| Net charge-offs to loans | 0.0650% | 2,413 |
| Credit loss provision to net charge-offs | 354.3478% | 922 |
| Earnings coverage of net charge-offs (x) | 40.7186% | 1,225 |
| Efficiency ratio | 56.4443% | 5,012 |
| Assets per employee ($millions) | 4.1534% | 3,686 |
| Cash dividends to net income (ytd only)* | 48.3138% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 3,106 |
| Loan loss allowance to noncurrent loans | 104.0870% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 0.7691% | 2,627 |
| Noncurrent loans to loans | 1.1751% | 1,908 |
| Net loans and leases to total assets | 64.6516% | 3,317 |
| Net loans and leases to deposits | 74.0379% | 3,596 |
| Net loans and leases to core deposits | 77.3105% | 3,723 |
| Total domestic deposits to total assets | 87.3224% | 1,751 |
| Equity capital to assets | 11.9600% | 2,151 |
| Core capital (leverage) ratio | 11.2486% | 2,232 |
| Tier 1 risk-based capital ratio | 16.4475% | 2,437 |
| Total risk-based capital ratio | 17.6220% | 2,417 |
| Memoranda: | ||
| Average total assets | $151,260,750 | 3,519 |
| Average earning assets | $142,178,500 | 3,489 |
| Average equity | $17,337,000 | 3,534 |
| Average total loans | $94,326,250 | 3,507 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9701% | 3,347 |
| Cost of funding earning assets | 0.2979% | 4,158 |
| Net interest margin | 3.6722% | 2,818 |
| Noninterest income to average assets | 0.3820% | 4,009 |
| Noninterest expense to average assets | 2.2655% | 4,693 |
| Loan and lease loss provision to assets | 0.1844% | 1,181 |
| Net operating income to assets | 1.3712% | 1,114 |
| Return on assets (ROA) | 1.3712% | 1,185 |
| Pretax return on assets | 1.3909% | 2,063 |
| Return on Equity (ROE) | 12.1364% | 1,263 |
| Retained earnings to average equity (ytd only) | 5.9808% | 2,123 |
| Net charge-offs to loans | 0.0880% | 1,964 |
| Credit loss provision to net charge-offs | 341.4634% | 869 |
| Earnings coverage of net charge-offs (x) | 29.1707% | 1,406 |
| Efficiency ratio | 57.2016% | 4,999 |
| Assets per employee ($millions) | 4.2127% | 3,537 |
| Cash dividends to net income (ytd only)* | 50.7205% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 3,074 |
| Loan loss allowance to noncurrent loans | 112.6074% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 0.6717% | 2,988 |
| Noncurrent loans to loans | 1.1097% | 2,077 |
| Net loans and leases to total assets | 59.7746% | 3,913 |
| Net loans and leases to deposits | 67.9151% | 4,191 |
| Net loans and leases to core deposits | 70.6342% | 4,282 |
| Total domestic deposits to total assets | 88.0137% | 1,427 |
| Equity capital to assets | 11.3692% | 2,677 |
| Core capital (leverage) ratio | 10.9062% | 2,522 |
| Tier 1 risk-based capital ratio | 15.5217% | 2,852 |
| Total risk-based capital ratio | 16.6387% | 2,839 |
| Memoranda: | ||
| Average total assets | $151,840,000 | 3,533 |
| Average earning assets | $143,020,330 | 3,496 |
| Average equity | $17,155,000 | 3,569 |
| Average total loans | $93,146,330 | 3,543 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9510% | 3,398 |
| Cost of funding earning assets | 0.2954% | 4,210 |
| Net interest margin | 3.6556% | 2,870 |
| Noninterest income to average assets | 0.3631% | 4,121 |
| Noninterest expense to average assets | 2.2479% | 4,787 |
| Loan and lease loss provision to assets | 0.1335% | 1,580 |
| Net operating income to assets | 1.3963% | 1,040 |
| Return on assets (ROA) | 1.3963% | 1,101 |
| Pretax return on assets | 1.4176% | 1,855 |
| Return on Equity (ROE) | 12.3992% | 1,186 |
| Retained earnings to average equity (ytd only) | 6.5434% | 2,115 |
| Net charge-offs to loans | 0.1340% | 1,301 |
| Credit loss provision to net charge-offs | 161.2903% | 1,226 |
| Earnings coverage of net charge-offs (x) | 18.7419% | 1,532 |
| Efficiency ratio | 57.3436% | 5,070 |
| Assets per employee ($millions) | 4.3099% | 3,391 |
| Cash dividends to net income (ytd only)* | 47.2275% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 3,523 |
| Loan loss allowance to noncurrent loans | 150.7545% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.5131% | 3,550 |
| Noncurrent loans to loans | 0.7912% | 2,855 |
| Net loans and leases to total assets | 60.3523% | 3,722 |
| Net loans and leases to deposits | 68.5421% | 3,998 |
| Net loans and leases to core deposits | 69.6059% | 4,268 |
| Total domestic deposits to total assets | 88.0514% | 1,611 |
| Equity capital to assets | 11.3732% | 2,552 |
| Core capital (leverage) ratio | 10.9019% | 2,503 |
| Tier 1 risk-based capital ratio | 15.6571% | 2,841 |
| Total risk-based capital ratio | 16.7241% | 2,866 |
| Memoranda: | ||
| Average total assets | $149,825,500 | 3,582 |
| Average earning assets | $140,824,000 | 3,544 |
| Average equity | $16,872,000 | 3,609 |
| Average total loans | $92,545,000 | 3,563 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0221% | 3,227 |
| Cost of funding earning assets | 0.3066% | 4,175 |
| Net interest margin | 3.7155% | 2,693 |
| Noninterest income to average assets | 0.4015% | 4,025 |
| Noninterest expense to average assets | 2.2996% | 4,788 |
| Loan and lease loss provision to assets | 0.0951% | 2,419 |
| Net operating income to assets | 1.4672% | 920 |
| Return on assets (ROA) | 1.4733% | 940 |
| Pretax return on assets | 1.4945% | 1,571 |
| Return on Equity (ROE) | 12.7033% | 1,126 |
| Retained earnings to average equity (ytd only) | -0.9200% | 5,642 |
| Net charge-offs to loans | 0.0741% | 2,771 |
| Credit loss provision to net charge-offs | 210.6061% | 1,340 |
| Earnings coverage of net charge-offs (x) | 35.0758% | 1,297 |
| Efficiency ratio | 57.4071% | 5,210 |
| Assets per employee ($millions) | 4.2516% | 3,488 |
| Cash dividends to net income (ytd only)* | 107.2423% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1619% | 3,692 |
| Loan loss allowance to noncurrent loans | 123.5698% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 0.5920% | 3,307 |
| Noncurrent loans to loans | 0.9403% | 2,451 |
| Net loans and leases to total assets | 61.7399% | 3,594 |
| Net loans and leases to deposits | 69.9194% | 3,931 |
| Net loans and leases to core deposits | 70.4697% | 4,270 |
| Total domestic deposits to total assets | 88.3015% | 1,474 |
| Equity capital to assets | 11.1475% | 2,680 |
| Core capital (leverage) ratio | 10.5768% | 2,848 |
| Tier 1 risk-based capital ratio | 15.6866% | 2,841 |
| Total risk-based capital ratio | 16.7558% | 2,866 |
| Memoranda: | ||
| Average total assets | $146,199,000 | 3,627 |
| Average earning assets | $136,992,800 | 3,577 |
| Average equity | $16,956,200 | 3,532 |
| Average total loans | $89,095,600 | 3,608 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0066% | 3,311 |
| Cost of funding earning assets | 0.3041% | 4,290 |
| Net interest margin | 3.7025% | 2,757 |
| Noninterest income to average assets | 0.3939% | 4,126 |
| Noninterest expense to average assets | 2.3140% | 4,745 |
| Loan and lease loss provision to assets | 0.0861% | 2,440 |
| Net operating income to assets | 1.4419% | 1,024 |
| Return on assets (ROA) | 1.4483% | 1,055 |
| Pretax return on assets | 1.4684% | 1,766 |
| Return on Equity (ROE) | 12.3646% | 1,281 |
| Retained earnings to average equity (ytd only) | 3.9182% | 3,674 |
| Net charge-offs to loans | 0.0756% | 2,481 |
| Credit loss provision to net charge-offs | 188.0000% | 1,403 |
| Earnings coverage of net charge-offs (x) | 33.7975% | 1,381 |
| Efficiency ratio | 58.0882% | 5,111 |
| Assets per employee ($millions) | 4.2714% | 3,381 |
| Cash dividends to net income (ytd only)* | 68.3109% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1319% | 4,050 |
| Loan loss allowance to noncurrent loans | 130.3970% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.5300% | 3,721 |
| Noncurrent loans to loans | 0.8681% | 2,811 |
| Net loans and leases to total assets | 59.6996% | 3,920 |
| Net loans and leases to deposits | 68.8450% | 4,108 |
| Net loans and leases to core deposits | 69.5186% | 4,416 |
| Total domestic deposits to total assets | 86.7159% | 2,180 |
| Equity capital to assets | 11.3689% | 2,623 |
| Core capital (leverage) ratio | 10.9356% | 2,561 |
| Tier 1 risk-based capital ratio | 16.3361% | 2,655 |
| Total risk-based capital ratio | 17.3775% | 2,692 |
| Memoranda: | ||
| Average total assets | $145,547,500 | 3,670 |
| Average earning assets | $136,337,250 | 3,621 |
| Average equity | $17,048,250 | 3,553 |
| Average total loans | $88,131,500 | 3,662 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0239% | 3,188 |
| Cost of funding earning assets | 0.3021% | 4,378 |
| Net interest margin | 3.7219% | 2,619 |
| Noninterest income to average assets | 0.3991% | 4,084 |
| Noninterest expense to average assets | 2.3598% | 4,692 |
| Loan and lease loss provision to assets | 0.0686% | 2,741 |
| Net operating income to assets | 1.4356% | 1,025 |
| Return on assets (ROA) | 1.4425% | 1,043 |
| Pretax return on assets | 1.4635% | 1,752 |
| Return on Equity (ROE) | 12.1867% | 1,318 |
| Retained earnings to average equity (ytd only) | 2.6621% | 4,361 |
| Net charge-offs to loans | 0.1040% | 1,966 |
| Credit loss provision to net charge-offs | 108.8889% | 1,936 |
| Earnings coverage of net charge-offs (x) | 24.2000% | 1,572 |
| Efficiency ratio | 58.8681% | 5,126 |
| Assets per employee ($millions) | 3.9717% | 3,934 |
| Cash dividends to net income (ytd only)* | 78.1553% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1303% | 4,178 |
| Loan loss allowance to noncurrent loans | 127.9747% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.5525% | 3,769 |
| Noncurrent loans to loans | 0.8832% | 2,917 |
| Net loans and leases to total assets | 61.8483% | 3,569 |
| Net loans and leases to deposits | 72.3234% | 3,685 |
| Net loans and leases to core deposits | 72.9330% | 4,047 |
| Total domestic deposits to total assets | 85.5164% | 2,912 |
| Equity capital to assets | 11.8931% | 2,111 |
| Core capital (leverage) ratio | 11.4431% | 2,040 |
| Tier 1 risk-based capital ratio | 17.1866% | 2,335 |
| Total risk-based capital ratio | 18.2593% | 2,349 |
| Memoranda: | ||
| Average total assets | $142,806,670 | 3,738 |
| Average earning assets | $133,750,330 | 3,697 |
| Average equity | $16,903,670 | 3,580 |
| Average total loans | $86,558,330 | 3,721 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0015% | 3,225 |
| Cost of funding earning assets | 0.3000% | 4,443 |
| Net interest margin | 3.7015% | 2,612 |
| Noninterest income to average assets | 0.3756% | 4,197 |
| Noninterest expense to average assets | 2.3655% | 4,700 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4491% | 942 |
| Return on assets (ROA) | 1.4602% | 982 |
| Pretax return on assets | 1.4798% | 1,631 |
| Return on Equity (ROE) | 12.3658% | 1,250 |
| Retained earnings to average equity (ytd only) | -1.2579% | 5,584 |
| Net charge-offs to loans | -0.0188% | 5,019 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7953% | 5,118 |
| Assets per employee ($millions) | 3.9252% | 4,113 |
| Cash dividends to net income (ytd only)* | 110.1727% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2193% | 3,841 |
| Loan loss allowance to noncurrent loans | 129.9486% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.5506% | 3,841 |
| Noncurrent loans to loans | 0.9383% | 2,902 |
| Net loans and leases to total assets | 57.9614% | 3,948 |
| Net loans and leases to deposits | 66.3290% | 4,118 |
| Net loans and leases to core deposits | 66.8820% | 4,435 |
| Total domestic deposits to total assets | 87.3848% | 2,175 |
| Equity capital to assets | 12.0214% | 2,012 |
| Core capital (leverage) ratio | 11.2378% | 2,203 |
| Tier 1 risk-based capital ratio | 17.8554% | 2,182 |
| Total risk-based capital ratio | 18.9898% | 2,187 |
| Memoranda: | ||
| Average total assets | $142,719,000 | 3,764 |
| Average earning assets | $133,350,000 | 3,730 |
| Average equity | $16,853,000 | 3,607 |
| Average total loans | $85,116,000 | 3,774 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9439% | 3,952 |
| Cost of funding earning assets | 0.3277% | 4,518 |
| Net interest margin | 3.6162% | 3,351 |
| Noninterest income to average assets | 0.4343% | 3,939 |
| Noninterest expense to average assets | 2.2520% | 5,234 |
| Loan and lease loss provision to assets | 0.0755% | 2,969 |
| Net operating income to assets | 1.4644% | 945 |
| Return on assets (ROA) | 1.4685% | 974 |
| Pretax return on assets | 1.4893% | 1,583 |
| Return on Equity (ROE) | 12.6990% | 1,208 |
| Retained earnings to average equity (ytd only) | 1.0602% | 5,293 |
| Net charge-offs to loans | 0.0199% | 4,448 |
| Credit loss provision to net charge-offs | 641.1765% | 414 |
| Earnings coverage of net charge-offs (x) | 132.5294% | 405 |
| Efficiency ratio | 57.1948% | 5,546 |
| Assets per employee ($millions) | 3.7929% | 4,357 |
| Cash dividends to net income (ytd only)* | 91.6509% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1533% | 4,265 |
| Loan loss allowance to noncurrent loans | 119.8810% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.5828% | 3,844 |
| Noncurrent loans to loans | 0.9620% | 2,920 |
| Net loans and leases to total assets | 59.8833% | 3,804 |
| Net loans and leases to deposits | 69.9940% | 3,907 |
| Net loans and leases to core deposits | 70.5761% | 4,272 |
| Total domestic deposits to total assets | 85.5549% | 3,051 |
| Equity capital to assets | 11.5998% | 2,344 |
| Core capital (leverage) ratio | 11.3281% | 2,108 |
| Tier 1 risk-based capital ratio | 17.5532% | 2,296 |
| Total risk-based capital ratio | 18.6690% | 2,310 |
| Memoranda: | ||
| Average total assets | $144,360,200 | 3,718 |
| Average earning assets | $134,866,400 | 3,677 |
| Average equity | $16,694,200 | 3,576 |
| Average total loans | $85,269,200 | 3,731 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9220% | 4,088 |
| Cost of funding earning assets | 0.3325% | 4,538 |
| Net interest margin | 3.5895% | 3,468 |
| Noninterest income to average assets | 0.4348% | 3,987 |
| Noninterest expense to average assets | 2.2444% | 5,241 |
| Loan and lease loss provision to assets | 0.0840% | 2,676 |
| Net operating income to assets | 1.4449% | 1,038 |
| Return on assets (ROA) | 1.4504% | 1,061 |
| Pretax return on assets | 1.4707% | 1,738 |
| Return on Equity (ROE) | 12.5516% | 1,335 |
| Retained earnings to average equity (ytd only) | 4.6819% | 3,299 |
| Net charge-offs to loans | 0.0236% | 4,041 |
| Credit loss provision to net charge-offs | 606.6667% | 490 |
| Earnings coverage of net charge-offs (x) | 111.8640% | 536 |
| Efficiency ratio | 57.2889% | 5,536 |
| Assets per employee ($millions) | 3.5834% | 4,711 |
| Cash dividends to net income (ytd only)* | 62.6990% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 4,458 |
| Loan loss allowance to noncurrent loans | 118.9676% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.5961% | 4,060 |
| Noncurrent loans to loans | 0.9732% | 3,131 |
| Net loans and leases to total assets | 60.5390% | 3,695 |
| Net loans and leases to deposits | 70.8152% | 3,818 |
| Net loans and leases to core deposits | 71.5778% | 4,195 |
| Total domestic deposits to total assets | 85.4887% | 3,119 |
| Equity capital to assets | 12.2173% | 1,890 |
| Core capital (leverage) ratio | 11.6191% | 1,967 |
| Tier 1 risk-based capital ratio | 18.4934% | 2,054 |
| Total risk-based capital ratio | 19.6221% | 2,062 |
| Memoranda: | ||
| Average total assets | $144,417,250 | 3,753 |
| Average earning assets | $135,132,500 | 3,703 |
| Average equity | $16,688,000 | 3,594 |
| Average total loans | $84,757,000 | 3,783 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8394% | 4,375 |
| Cost of funding earning assets | 0.3341% | 4,595 |
| Net interest margin | 3.5053% | 3,769 |
| Noninterest income to average assets | 0.4480% | 3,888 |
| Noninterest expense to average assets | 2.2278% | 5,349 |
| Loan and lease loss provision to assets | 0.0781% | 2,721 |
| Net operating income to assets | 1.4004% | 1,062 |
| Return on assets (ROA) | 1.4112% | 1,075 |
| Pretax return on assets | 1.4304% | 1,781 |
| Return on Equity (ROE) | 12.4401% | 1,319 |
| Retained earnings to average equity (ytd only) | 3.8528% | 3,723 |
| Net charge-offs to loans | 0.0189% | 3,838 |
| Credit loss provision to net charge-offs | 712.5000% | 446 |
| Earnings coverage of net charge-offs (x) | 136.6250% | 441 |
| Efficiency ratio | 57.8889% | 5,568 |
| Assets per employee ($millions) | 3.6309% | 4,597 |
| Cash dividends to net income (ytd only)* | 69.0291% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1430% | 4,696 |
| Loan loss allowance to noncurrent loans | 182.2306% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.4110% | 4,780 |
| Noncurrent loans to loans | 0.6272% | 4,144 |
| Net loans and leases to total assets | 58.8804% | 3,880 |
| Net loans and leases to deposits | 67.5856% | 4,098 |
| Net loans and leases to core deposits | 68.4383% | 4,418 |
| Total domestic deposits to total assets | 87.1197% | 2,390 |
| Equity capital to assets | 11.9608% | 2,016 |
| Core capital (leverage) ratio | 11.1811% | 2,262 |
| Tier 1 risk-based capital ratio | 18.1647% | 2,183 |
| Total risk-based capital ratio | 19.2631% | 2,208 |
| Memoranda: | ||
| Average total assets | $145,972,000 | 3,743 |
| Average earning assets | $136,478,670 | 3,702 |
| Average equity | $16,559,330 | 3,604 |
| Average total loans | $84,477,330 | 3,805 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7317% | 4,738 |
| Cost of funding earning assets | 0.3382% | 4,661 |
| Net interest margin | 3.3935% | 4,146 |
| Noninterest income to average assets | 0.3726% | 4,408 |
| Noninterest expense to average assets | 2.2058% | 5,449 |
| Loan and lease loss provision to assets | 0.0783% | 2,583 |
| Net operating income to assets | 1.2420% | 1,368 |
| Return on assets (ROA) | 1.2527% | 1,396 |
| Pretax return on assets | 1.2689% | 2,217 |
| Return on Equity (ROE) | 11.3375% | 1,588 |
| Retained earnings to average equity (ytd only) | -0.4887% | 5,640 |
| Net charge-offs to loans | 0.0473% | 2,727 |
| Credit loss provision to net charge-offs | 290.0000% | 817 |
| Earnings coverage of net charge-offs (x) | 49.5000% | 753 |
| Efficiency ratio | 60.2896% | 5,359 |
| Assets per employee ($millions) | 3.6989% | 4,521 |
| Cash dividends to net income (ytd only)* | 104.3103% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1426% | 4,907 |
| Loan loss allowance to noncurrent loans | 521.7877% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.1210% | 5,884 |
| Noncurrent loans to loans | 0.2190% | 5,437 |
| Net loans and leases to total assets | 54.6153% | 4,333 |
| Net loans and leases to deposits | 61.8648% | 4,563 |
| Net loans and leases to core deposits | 62.7298% | 4,811 |
| Total domestic deposits to total assets | 88.2816% | 2,065 |
| Equity capital to assets | 11.1318% | 2,593 |
| Core capital (leverage) ratio | 10.4632% | 2,973 |
| Tier 1 risk-based capital ratio | 17.8708% | 2,348 |
| Total risk-based capital ratio | 18.9424% | 2,382 |
| Memoranda: | ||
| Average total assets | $148,156,000 | 3,732 |
| Average earning assets | $138,383,000 | 3,695 |
| Average equity | $16,370,500 | 3,639 |
| Average total loans | $84,545,500 | 3,833 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9253% | 4,366 |
| Cost of funding earning assets | 0.4229% | 4,401 |
| Net interest margin | 3.5024% | 3,902 |
| Noninterest income to average assets | 0.3799% | 4,599 |
| Noninterest expense to average assets | 2.1321% | 5,765 |
| Loan and lease loss provision to assets | 0.0736% | 3,645 |
| Net operating income to assets | 1.4337% | 957 |
| Return on assets (ROA) | 1.4860% | 893 |
| Pretax return on assets | 1.5061% | 1,429 |
| Return on Equity (ROE) | 13.2445% | 1,119 |
| Retained earnings to average equity (ytd only) | 1.7465% | 4,991 |
| Net charge-offs to loans | 0.0908% | 3,936 |
| Credit loss provision to net charge-offs | 144.7368% | 1,608 |
| Earnings coverage of net charge-offs (x) | 30.0395% | 1,190 |
| Efficiency ratio | 56.3882% | 5,907 |
| Assets per employee ($millions) | 3.8040% | 4,254 |
| Cash dividends to net income (ytd only)* | 86.8137% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 5,355 |
| Loan loss allowance to noncurrent loans | 452.9703% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.1523% | 5,861 |
| Noncurrent loans to loans | 0.2313% | 5,493 |
| Net loans and leases to total assets | 58.2622% | 3,990 |
| Net loans and leases to deposits | 67.9197% | 4,067 |
| Net loans and leases to core deposits | 68.8925% | 4,405 |
| Total domestic deposits to total assets | 85.7809% | 3,371 |
| Equity capital to assets | 10.9675% | 2,641 |
| Core capital (leverage) ratio | 10.5239% | 2,894 |
| Tier 1 risk-based capital ratio | 16.9517% | 2,630 |
| Total risk-based capital ratio | 17.9491% | 2,716 |
| Memoranda: | ||
| Average total assets | $149,526,400 | 3,711 |
| Average earning assets | $139,990,000 | 3,665 |
| Average equity | $16,776,800 | 3,591 |
| Average total loans | $83,706,600 | 3,835 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8988% | 4,506 |
| Cost of funding earning assets | 0.4392% | 4,390 |
| Net interest margin | 3.4596% | 4,061 |
| Noninterest income to average assets | 0.3578% | 4,832 |
| Noninterest expense to average assets | 2.1074% | 5,813 |
| Loan and lease loss provision to assets | 0.0712% | 3,644 |
| Net operating income to assets | 1.4059% | 1,090 |
| Return on assets (ROA) | 1.4755% | 989 |
| Pretax return on assets | 1.4951% | 1,629 |
| Return on Equity (ROE) | 13.0780% | 1,219 |
| Retained earnings to average equity (ytd only) | 5.1902% | 2,941 |
| Net charge-offs to loans | 0.0612% | 4,028 |
| Credit loss provision to net charge-offs | 210.5263% | 1,149 |
| Earnings coverage of net charge-offs (x) | 44.2329% | 941 |
| Efficiency ratio | 56.5819% | 5,844 |
| Assets per employee ($millions) | 4.0616% | 3,719 |
| Cash dividends to net income (ytd only)* | 60.3137% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0602% | 5,484 |
| Loan loss allowance to noncurrent loans | 507.1429% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.1211% | 6,063 |
| Noncurrent loans to loans | 0.2090% | 5,718 |
| Net loans and leases to total assets | 57.3187% | 4,117 |
| Net loans and leases to deposits | 67.5110% | 4,118 |
| Net loans and leases to core deposits | 68.7246% | 4,466 |
| Total domestic deposits to total assets | 84.9027% | 3,791 |
| Equity capital to assets | 11.1526% | 2,616 |
| Core capital (leverage) ratio | 10.7640% | 2,707 |
| Tier 1 risk-based capital ratio | 17.2308% | 2,617 |
| Total risk-based capital ratio | 18.2306% | 2,679 |
| Memoranda: | ||
| Average total assets | $149,818,750 | 3,748 |
| Average earning assets | $140,552,750 | 3,695 |
| Average equity | $16,903,250 | 3,615 |
| Average total loans | $82,795,500 | 3,888 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8423% | 4,680 |
| Cost of funding earning assets | 0.4597% | 4,316 |
| Net interest margin | 3.3827% | 4,256 |
| Noninterest income to average assets | 0.3394% | 4,960 |
| Noninterest expense to average assets | 2.1354% | 5,787 |
| Loan and lease loss provision to assets | 0.0682% | 3,680 |
| Net operating income to assets | 1.2946% | 1,334 |
| Return on assets (ROA) | 1.3938% | 1,178 |
| Pretax return on assets | 1.4125% | 1,886 |
| Return on Equity (ROE) | 12.3061% | 1,403 |
| Retained earnings to average equity (ytd only) | 3.4688% | 4,108 |
| Net charge-offs to loans | 0.0959% | 3,402 |
| Credit loss provision to net charge-offs | 130.7692% | 1,734 |
| Earnings coverage of net charge-offs (x) | 26.4872% | 1,242 |
| Efficiency ratio | 58.7609% | 5,631 |
| Assets per employee ($millions) | 4.0378% | 3,714 |
| Cash dividends to net income (ytd only)* | 71.8121% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 5,542 |
| Loan loss allowance to noncurrent loans | 513.2184% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.1165% | 6,135 |
| Noncurrent loans to loans | 0.2089% | 5,783 |
| Net loans and leases to total assets | 55.1500% | 4,431 |
| Net loans and leases to deposits | 62.9271% | 4,634 |
| Net loans and leases to core deposits | 64.0254% | 4,892 |
| Total domestic deposits to total assets | 87.6411% | 2,471 |
| Equity capital to assets | 10.9888% | 2,763 |
| Core capital (leverage) ratio | 10.3153% | 3,083 |
| Tier 1 risk-based capital ratio | 17.4893% | 2,517 |
| Total risk-based capital ratio | 18.4958% | 2,587 |
| Memoranda: | ||
| Average total assets | $149,665,330 | 3,782 |
| Average earning assets | $140,540,330 | 3,713 |
| Average equity | $16,951,000 | 3,626 |
| Average total loans | $81,373,670 | 3,943 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8061% | 4,807 |
| Cost of funding earning assets | 0.4875% | 4,202 |
| Net interest margin | 3.3186% | 4,448 |
| Noninterest income to average assets | 0.3578% | 4,805 |
| Noninterest expense to average assets | 2.1629% | 5,775 |
| Loan and lease loss provision to assets | 0.0641% | 3,558 |
| Net operating income to assets | 1.2219% | 1,466 |
| Return on assets (ROA) | 1.3832% | 1,147 |
| Pretax return on assets | 1.4019% | 1,846 |
| Return on Equity (ROE) | 12.0339% | 1,416 |
| Retained earnings to average equity (ytd only) | -0.3949% | 5,857 |
| Net charge-offs to loans | 0.0099% | 3,952 |
| Credit loss provision to net charge-offs | 1,200.0000% | 265 |
| Earnings coverage of net charge-offs (x) | 244.0000% | 160 |
| Efficiency ratio | 60.4006% | 5,532 |
| Assets per employee ($millions) | 4.2388% | 3,458 |
| Cash dividends to net income (ytd only)* | 103.2819% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 5,367 |
| Loan loss allowance to noncurrent loans | 668.8889% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.1049% | 6,269 |
| Noncurrent loans to loans | 0.1735% | 5,967 |
| Net loans and leases to total assets | 50.4037% | 4,934 |
| Net loans and leases to deposits | 57.0968% | 5,130 |
| Net loans and leases to core deposits | 58.0628% | 5,339 |
| Total domestic deposits to total assets | 88.2775% | 2,143 |
| Equity capital to assets | 11.1877% | 2,756 |
| Core capital (leverage) ratio | 10.1151% | 3,258 |
| Tier 1 risk-based capital ratio | 17.9340% | 2,397 |
| Total risk-based capital ratio | 19.0007% | 2,428 |
| Memoranda: | ||
| Average total assets | $149,799,000 | 3,812 |
| Average earning assets | $140,300,000 | 3,766 |
| Average equity | $17,218,000 | 3,624 |
| Average total loans | $80,417,500 | 4,002 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1962% | 4,605 |
| Cost of funding earning assets | 0.6305% | 4,095 |
| Net interest margin | 3.5657% | 4,244 |
| Noninterest income to average assets | 0.3759% | 4,784 |
| Noninterest expense to average assets | 2.0963% | 6,136 |
| Loan and lease loss provision to assets | 0.0987% | 4,409 |
| Net operating income to assets | 1.4346% | 1,036 |
| Return on assets (ROA) | 1.4472% | 1,129 |
| Pretax return on assets | 1.4660% | 1,798 |
| Return on Equity (ROE) | 12.4409% | 1,374 |
| Retained earnings to average equity (ytd only) | 2.2562% | 4,651 |
| Net charge-offs to loans | 0.2163% | 3,662 |
| Credit loss provision to net charge-offs | 84.4828% | 3,679 |
| Earnings coverage of net charge-offs (x) | 13.2874% | 1,841 |
| Efficiency ratio | 55.5658% | 6,113 |
| Assets per employee ($millions) | 3.9730% | 4,005 |
| Cash dividends to net income (ytd only)* | 81.8646% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 5,716 |
| Loan loss allowance to noncurrent loans | 512.2093% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.1816% | 6,108 |
| Noncurrent loans to loans | 0.2072% | 5,957 |
| Net loans and leases to total assets | 55.8748% | 4,316 |
| Net loans and leases to deposits | 63.7200% | 4,567 |
| Net loans and leases to core deposits | 64.8438% | 4,858 |
| Total domestic deposits to total assets | 87.6879% | 2,420 |
| Equity capital to assets | 11.8121% | 2,172 |
| Core capital (leverage) ratio | 10.5184% | 2,743 |
| Tier 1 risk-based capital ratio | 17.3458% | 2,505 |
| Total risk-based capital ratio | 18.3542% | 2,571 |
| Memoranda: | ||
| Average total assets | $148,978,200 | 3,796 |
| Average earning assets | $136,719,000 | 3,781 |
| Average equity | $17,330,000 | 3,573 |
| Average total loans | $80,447,200 | 4,030 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2145% | 4,765 |
| Cost of funding earning assets | 0.6564% | 4,138 |
| Net interest margin | 3.5581% | 4,408 |
| Noninterest income to average assets | 0.3773% | 4,805 |
| Noninterest expense to average assets | 2.0802% | 6,209 |
| Loan and lease loss provision to assets | 0.1070% | 4,229 |
| Net operating income to assets | 1.4247% | 1,173 |
| Return on assets (ROA) | 1.4379% | 1,270 |
| Pretax return on assets | 1.4575% | 2,046 |
| Return on Equity (ROE) | 12.4082% | 1,492 |
| Retained earnings to average equity (ytd only) | 5.6114% | 2,954 |
| Net charge-offs to loans | 0.2406% | 3,281 |
| Credit loss provision to net charge-offs | 83.3333% | 3,513 |
| Earnings coverage of net charge-offs (x) | 12.0761% | 2,030 |
| Efficiency ratio | 55.3918% | 6,120 |
| Assets per employee ($millions) | 3.9039% | 4,077 |
| Cash dividends to net income (ytd only)* | 54.7765% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 5,733 |
| Loan loss allowance to noncurrent loans | 267.8788% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.2224% | 6,150 |
| Noncurrent loans to loans | 0.4094% | 5,634 |
| Net loans and leases to total assets | 53.7371% | 4,786 |
| Net loans and leases to deposits | 61.5486% | 5,018 |
| Net loans and leases to core deposits | 62.6259% | 5,301 |
| Total domestic deposits to total assets | 87.3084% | 2,497 |
| Equity capital to assets | 12.0910% | 2,182 |
| Core capital (leverage) ratio | 10.6657% | 2,740 |
| Tier 1 risk-based capital ratio | 18.1090% | 2,297 |
| Total risk-based capital ratio | 19.1431% | 2,355 |
| Memoranda: | ||
| Average total assets | $149,472,250 | 3,829 |
| Average earning assets | $136,697,750 | 3,815 |
| Average equity | $17,321,500 | 3,602 |
| Average total loans | $79,804,500 | 4,084 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1865% | 4,997 |
| Cost of funding earning assets | 0.6812% | 4,175 |
| Net interest margin | 3.5053% | 4,645 |
| Noninterest income to average assets | 0.3630% | 4,935 |
| Noninterest expense to average assets | 2.0648% | 6,307 |
| Loan and lease loss provision to assets | 0.0934% | 4,388 |
| Net operating income to assets | 1.3949% | 1,203 |
| Return on assets (ROA) | 1.4081% | 1,311 |
| Pretax return on assets | 1.4255% | 2,105 |
| Return on Equity (ROE) | 12.3274% | 1,568 |
| Retained earnings to average equity (ytd only) | 4.1013% | 3,877 |
| Net charge-offs to loans | 0.0830% | 4,318 |
| Credit loss provision to net charge-offs | 212.1212% | 1,329 |
| Earnings coverage of net charge-offs (x) | 34.1818% | 984 |
| Efficiency ratio | 55.8879% | 6,127 |
| Assets per employee ($millions) | 4.1684% | 3,524 |
| Cash dividends to net income (ytd only)* | 66.7299% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1755% | 5,458 |
| Loan loss allowance to noncurrent loans | 226.0766% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.2785% | 6,079 |
| Noncurrent loans to loans | 0.5200% | 5,486 |
| Net loans and leases to total assets | 52.9411% | 4,972 |
| Net loans and leases to deposits | 61.2024% | 5,100 |
| Net loans and leases to core deposits | 62.2678% | 5,364 |
| Total domestic deposits to total assets | 86.5017% | 3,068 |
| Equity capital to assets | 11.6145% | 2,474 |
| Core capital (leverage) ratio | 10.2142% | 3,123 |
| Tier 1 risk-based capital ratio | 17.6766% | 2,400 |
| Total risk-based capital ratio | 18.7838% | 2,429 |
| Memoranda: | ||
| Average total assets | $149,846,330 | 3,839 |
| Average earning assets | $137,108,330 | 3,831 |
| Average equity | $17,116,330 | 3,625 |
| Average total loans | $79,538,330 | 4,117 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2061% | 5,083 |
| Cost of funding earning assets | 0.7285% | 4,040 |
| Net interest margin | 3.4776% | 4,802 |
| Noninterest income to average assets | 0.3473% | 5,081 |
| Noninterest expense to average assets | 1.9795% | 6,503 |
| Loan and lease loss provision to assets | 0.0962% | 4,146 |
| Net operating income to assets | 1.4027% | 1,219 |
| Return on assets (ROA) | 1.4292% | 1,312 |
| Pretax return on assets | 1.4479% | 2,025 |
| Return on Equity (ROE) | 12.6179% | 1,506 |
| Retained earnings to average equity (ytd only) | 0.4245% | 5,860 |
| Net charge-offs to loans | 0.1567% | 3,152 |
| Credit loss provision to net charge-offs | 116.1290% | 2,034 |
| Earnings coverage of net charge-offs (x) | 18.3226% | 1,271 |
| Efficiency ratio | 54.6218% | 6,279 |
| Assets per employee ($millions) | 4.3596% | 3,279 |
| Cash dividends to net income (ytd only)* | 96.6355% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 5,570 |
| Loan loss allowance to noncurrent loans | 257.1831% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.2327% | 6,301 |
| Noncurrent loans to loans | 0.4605% | 5,760 |
| Net loans and leases to total assets | 49.9233% | 5,315 |
| Net loans and leases to deposits | 56.5238% | 5,545 |
| Net loans and leases to core deposits | 59.0489% | 5,622 |
| Total domestic deposits to total assets | 88.3227% | 2,117 |
| Equity capital to assets | 11.1590% | 2,747 |
| Core capital (leverage) ratio | 9.9601% | 3,408 |
| Tier 1 risk-based capital ratio | 17.7145% | 2,399 |
| Total risk-based capital ratio | 18.8127% | 2,428 |
| Memoranda: | ||
| Average total assets | $149,738,000 | 3,877 |
| Average earning assets | $135,612,500 | 3,890 |
| Average equity | $16,960,000 | 3,654 |
| Average total loans | $79,112,500 | 4,147 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6597% | 4,421 |
| Cost of funding earning assets | 0.9373% | 3,815 |
| Net interest margin | 3.7224% | 4,194 |
| Noninterest income to average assets | 0.4000% | 4,613 |
| Noninterest expense to average assets | 2.1922% | 6,286 |
| Loan and lease loss provision to assets | 0.0831% | 5,572 |
| Net operating income to assets | 1.5065% | 810 |
| Return on assets (ROA) | 1.5281% | 846 |
| Pretax return on assets | 1.5472% | 1,348 |
| Return on Equity (ROE) | 13.1108% | 1,137 |
| Retained earnings to average equity (ytd only) | 3.8668% | 3,456 |
| Net charge-offs to loans | -0.0204% | 6,960 |
| Credit loss provision to net charge-offs | -737.5000% | 6,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7717% | 6,342 |
| Assets per employee ($millions) | 4.0803% | 3,692 |
| Cash dividends to net income (ytd only)* | 70.5069% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1191% | 5,741 |
| Loan loss allowance to noncurrent loans | 238.3202% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.2594% | 6,317 |
| Noncurrent loans to loans | 0.4696% | 5,772 |
| Net loans and leases to total assets | 54.6177% | 4,927 |
| Net loans and leases to deposits | 62.1653% | 5,219 |
| Net loans and leases to core deposits | 65.1741% | 5,346 |
| Total domestic deposits to total assets | 87.8589% | 2,243 |
| Equity capital to assets | 11.5004% | 2,506 |
| Core capital (leverage) ratio | 10.2724% | 3,000 |
| Tier 1 risk-based capital ratio | 17.2362% | 2,497 |
| Total risk-based capital ratio | 18.3019% | 2,528 |
| Memoranda: | ||
| Average total assets | $142,003,000 | 3,939 |
| Average earning assets | $129,728,600 | 3,937 |
| Average equity | $16,551,200 | 3,643 |
| Average total loans | $78,419,400 | 4,197 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6859% | 4,521 |
| Cost of funding earning assets | 0.9717% | 3,876 |
| Net interest margin | 3.7142% | 4,268 |
| Noninterest income to average assets | 0.3949% | 4,707 |
| Noninterest expense to average assets | 2.2360% | 6,199 |
| Loan and lease loss provision to assets | 0.0739% | 5,528 |
| Net operating income to assets | 1.4692% | 1,010 |
| Return on assets (ROA) | 1.4964% | 1,024 |
| Pretax return on assets | 1.5153% | 1,610 |
| Return on Equity (ROE) | 12.7939% | 1,332 |
| Retained earnings to average equity (ytd only) | 7.5549% | 1,686 |
| Net charge-offs to loans | -0.0189% | 6,897 |
| Credit loss provision to net charge-offs | -709.0909% | 6,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9576% | 6,154 |
| Assets per employee ($millions) | 4.0812% | 3,674 |
| Cash dividends to net income (ytd only)* | 40.9497% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 5,866 |
| Loan loss allowance to noncurrent loans | 320.8178% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 6,596 |
| Noncurrent loans to loans | 0.3448% | 6,159 |
| Net loans and leases to total assets | 52.5122% | 5,385 |
| Net loans and leases to deposits | 59.9908% | 5,629 |
| Net loans and leases to core deposits | 61.6277% | 5,851 |
| Total domestic deposits to total assets | 87.5337% | 2,337 |
| Equity capital to assets | 11.8306% | 2,393 |
| Core capital (leverage) ratio | 10.7349% | 2,633 |
| Tier 1 risk-based capital ratio | 18.0261% | 2,239 |
| Total risk-based capital ratio | 19.0682% | 2,291 |
| Memoranda: | ||
| Average total assets | $140,781,250 | 3,980 |
| Average earning assets | $128,979,500 | 3,974 |
| Average equity | $16,465,750 | 3,667 |
| Average total loans | $77,740,250 | 4,255 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6799% | 4,622 |
| Cost of funding earning assets | 0.9962% | 3,978 |
| Net interest margin | 3.6837% | 4,342 |
| Noninterest income to average assets | 0.3979% | 4,696 |
| Noninterest expense to average assets | 2.2388% | 6,278 |
| Loan and lease loss provision to assets | 0.0750% | 5,375 |
| Net operating income to assets | 1.4882% | 915 |
| Return on assets (ROA) | 1.5295% | 890 |
| Pretax return on assets | 1.5483% | 1,380 |
| Return on Equity (ROE) | 13.1309% | 1,172 |
| Retained earnings to average equity (ytd only) | 7.8340% | 1,516 |
| Net charge-offs to loans | -0.0103% | 6,690 |
| Credit loss provision to net charge-offs | -1,300.0000% | 6,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6415% | 6,341 |
| Assets per employee ($millions) | 3.8526% | 4,084 |
| Cash dividends to net income (ytd only)* | 40.3393% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0876% | 6,005 |
| Loan loss allowance to noncurrent loans | 301.8182% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.2769% | 6,440 |
| Noncurrent loans to loans | 0.3603% | 6,190 |
| Net loans and leases to total assets | 54.4260% | 5,232 |
| Net loans and leases to deposits | 62.5181% | 5,446 |
| Net loans and leases to core deposits | 64.9171% | 5,616 |
| Total domestic deposits to total assets | 87.0563% | 2,709 |
| Equity capital to assets | 12.1080% | 2,024 |
| Core capital (leverage) ratio | 10.6217% | 2,598 |
| Tier 1 risk-based capital ratio | 18.3277% | 2,066 |
| Total risk-based capital ratio | 19.3695% | 2,088 |
| Memoranda: | ||
| Average total assets | $138,733,670 | 4,051 |
| Average earning assets | $128,890,670 | 4,013 |
| Average equity | $16,160,330 | 3,705 |
| Average total loans | $77,648,330 | 4,296 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6804% | 4,615 |
| Cost of funding earning assets | 1.0273% | 4,008 |
| Net interest margin | 3.6531% | 4,313 |
| Noninterest income to average assets | 0.3892% | 4,792 |
| Noninterest expense to average assets | 2.2399% | 6,330 |
| Loan and lease loss provision to assets | 0.0721% | 5,103 |
| Net operating income to assets | 1.4530% | 982 |
| Return on assets (ROA) | 1.4587% | 1,004 |
| Pretax return on assets | 1.4760% | 1,514 |
| Return on Equity (ROE) | 12.7746% | 1,256 |
| Retained earnings to average equity (ytd only) | 7.2204% | 2,060 |
| Net charge-offs to loans | -0.0255% | 6,654 |
| Credit loss provision to net charge-offs | -500.0000% | 5,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2409% | 6,354 |
| Assets per employee ($millions) | 4.0623% | 3,712 |
| Cash dividends to net income (ytd only)* | 43.4783% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0563% | 6,197 |
| Loan loss allowance to noncurrent loans | 717.8571% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.1554% | 6,778 |
| Noncurrent loans to loans | 0.1471% | 6,683 |
| Net loans and leases to total assets | 52.9670% | 5,457 |
| Net loans and leases to deposits | 60.1135% | 5,718 |
| Net loans and leases to core deposits | 62.9542% | 5,829 |
| Total domestic deposits to total assets | 88.1116% | 2,309 |
| Equity capital to assets | 11.1949% | 2,505 |
| Core capital (leverage) ratio | 10.2958% | 2,804 |
| Tier 1 risk-based capital ratio | 17.7833% | 2,186 |
| Total risk-based capital ratio | 18.7869% | 2,247 |
| Memoranda: | ||
| Average total assets | $138,754,000 | 4,082 |
| Average earning assets | $128,878,000 | 4,048 |
| Average equity | $15,844,000 | 3,748 |
| Average total loans | $78,315,000 | 4,317 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1302% | 3,958 |
| Cost of funding earning assets | 1.2740% | 4,058 |
| Net interest margin | 3.8561% | 3,707 |
| Noninterest income to average assets | 0.4591% | 4,446 |
| Noninterest expense to average assets | 2.3669% | 6,174 |
| Loan and lease loss provision to assets | 0.1106% | 6,052 |
| Net operating income to assets | 1.5328% | 711 |
| Return on assets (ROA) | 1.5792% | 706 |
| Pretax return on assets | 1.5976% | 1,134 |
| Return on Equity (ROE) | 12.7877% | 1,148 |
| Retained earnings to average equity (ytd only) | 3.7051% | 3,269 |
| Net charge-offs to loans | 0.0040% | 6,808 |
| Credit loss provision to net charge-offs | 4,800.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 721.3333% | 22 |
| Efficiency ratio | 56.7944% | 6,490 |
| Assets per employee ($millions) | 3.9802% | 3,827 |
| Cash dividends to net income (ytd only)* | 71.0258% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9613% | 6,526 |
| Loan loss allowance to noncurrent loans | 932.5301% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.1456% | 6,869 |
| Noncurrent loans to loans | 0.1031% | 6,881 |
| Net loans and leases to total assets | 58.9262% | 4,863 |
| Net loans and leases to deposits | 68.3996% | 5,051 |
| Net loans and leases to core deposits | 71.3239% | 5,292 |
| Total domestic deposits to total assets | 86.1498% | 3,278 |
| Equity capital to assets | 11.6540% | 2,158 |
| Core capital (leverage) ratio | 10.6607% | 2,403 |
| Tier 1 risk-based capital ratio | 16.8965% | 2,384 |
| Total risk-based capital ratio | 17.8352% | 2,470 |
| Memoranda: | ||
| Average total assets | $130,256,600 | 4,260 |
| Average earning assets | $120,561,200 | 4,214 |
| Average equity | $16,085,800 | 3,739 |
| Average total loans | $74,861,400 | 4,488 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1550% | 4,054 |
| Cost of funding earning assets | 1.3208% | 4,108 |
| Net interest margin | 3.8342% | 3,821 |
| Noninterest income to average assets | 0.4620% | 4,473 |
| Noninterest expense to average assets | 2.4208% | 5,966 |
| Loan and lease loss provision to assets | 0.1158% | 5,868 |
| Net operating income to assets | 1.4619% | 995 |
| Return on assets (ROA) | 1.4936% | 1,016 |
| Pretax return on assets | 1.5102% | 1,587 |
| Return on Equity (ROE) | 11.9188% | 1,527 |
| Retained earnings to average equity (ytd only) | 7.3575% | 1,665 |
| Net charge-offs to loans | -0.0054% | 7,217 |
| Credit loss provision to net charge-offs | -3,733.3333% | 7,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3162% | 6,215 |
| Assets per employee ($millions) | 3.8990% | 4,037 |
| Cash dividends to net income (ytd only)* | 38.2696% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 6,404 |
| Loan loss allowance to noncurrent loans | 231.5789% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.3259% | 6,563 |
| Noncurrent loans to loans | 0.4310% | 6,334 |
| Net loans and leases to total assets | 55.9702% | 5,551 |
| Net loans and leases to deposits | 64.6420% | 5,832 |
| Net loans and leases to core deposits | 67.4969% | 5,993 |
| Total domestic deposits to total assets | 86.5849% | 2,767 |
| Equity capital to assets | 12.5959% | 1,814 |
| Core capital (leverage) ratio | 10.9608% | 2,287 |
| Tier 1 risk-based capital ratio | 18.3596% | 1,915 |
| Total risk-based capital ratio | 19.3269% | 1,967 |
| Memoranda: | ||
| Average total assets | $128,989,000 | 4,351 |
| Average earning assets | $119,518,250 | 4,294 |
| Average equity | $16,164,500 | 3,776 |
| Average total loans | $73,447,500 | 4,623 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1610% | 4,137 |
| Cost of funding earning assets | 1.3536% | 4,171 |
| Net interest margin | 3.8074% | 3,867 |
| Noninterest income to average assets | 0.4648% | 4,397 |
| Noninterest expense to average assets | 2.5102% | 5,685 |
| Loan and lease loss provision to assets | 0.1017% | 5,897 |
| Net operating income to assets | 1.3636% | 1,164 |
| Return on assets (ROA) | 1.4116% | 1,138 |
| Pretax return on assets | 1.4273% | 1,760 |
| Return on Equity (ROE) | 11.2844% | 1,653 |
| Retained earnings to average equity (ytd only) | 6.6305% | 2,001 |
| Net charge-offs to loans | 0.0466% | 5,737 |
| Credit loss provision to net charge-offs | 382.3529% | 946 |
| Earnings coverage of net charge-offs (x) | 55.6471% | 549 |
| Efficiency ratio | 60.8627% | 5,884 |
| Assets per employee ($millions) | 3.7903% | 4,242 |
| Cash dividends to net income (ytd only)* | 41.2417% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9230% | 6,683 |
| Loan loss allowance to noncurrent loans | 105.0926% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.5874% | 6,021 |
| Noncurrent loans to loans | 0.8783% | 5,514 |
| Net loans and leases to total assets | 56.7258% | 5,591 |
| Net loans and leases to deposits | 65.3735% | 5,884 |
| Net loans and leases to core deposits | 66.0737% | 6,241 |
| Total domestic deposits to total assets | 86.7718% | 2,664 |
| Equity capital to assets | 12.6656% | 1,700 |
| Core capital (leverage) ratio | 10.8607% | 2,357 |
| Tier 1 risk-based capital ratio | 18.3376% | 1,870 |
| Total risk-based capital ratio | 19.2424% | 1,931 |
| Memoranda: | ||
| Average total assets | $127,796,330 | 4,408 |
| Average earning assets | $118,350,000 | 4,357 |
| Average equity | $15,986,670 | 3,802 |
| Average total loans | $72,948,000 | 4,679 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1921% | 4,066 |
| Cost of funding earning assets | 1.4018% | 4,162 |
| Net interest margin | 3.7903% | 3,837 |
| Noninterest income to average assets | 0.4463% | 4,512 |
| Noninterest expense to average assets | 2.3888% | 6,128 |
| Loan and lease loss provision to assets | 0.1194% | 5,395 |
| Net operating income to assets | 1.4217% | 1,033 |
| Return on assets (ROA) | 1.5182% | 934 |
| Pretax return on assets | 1.5370% | 1,429 |
| Return on Equity (ROE) | 12.2132% | 1,436 |
| Retained earnings to average equity (ytd only) | 7.5352% | 1,907 |
| Net charge-offs to loans | 0.0938% | 4,478 |
| Credit loss provision to net charge-offs | 223.5294% | 1,690 |
| Earnings coverage of net charge-offs (x) | 29.1765% | 887 |
| Efficiency ratio | 58.4395% | 6,421 |
| Assets per employee ($millions) | 3.7688% | 4,382 |
| Cash dividends to net income (ytd only)* | 38.3023% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9229% | 6,766 |
| Loan loss allowance to noncurrent loans | 91.8539% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.7328% | 5,699 |
| Noncurrent loans to loans | 1.0047% | 5,315 |
| Net loans and leases to total assets | 54.7928% | 5,917 |
| Net loans and leases to deposits | 62.9509% | 6,178 |
| Net loans and leases to core deposits | 64.5417% | 6,418 |
| Total domestic deposits to total assets | 87.0406% | 2,610 |
| Equity capital to assets | 12.3998% | 1,812 |
| Core capital (leverage) ratio | 10.8050% | 2,367 |
| Tier 1 risk-based capital ratio | 18.4860% | 1,838 |
| Total risk-based capital ratio | 19.3788% | 1,887 |
| Memoranda: | ||
| Average total assets | $127,260,000 | 4,473 |
| Average earning assets | $117,563,000 | 4,430 |
| Average equity | $15,819,000 | 3,862 |
| Average total loans | $72,530,500 | 4,761 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4853% | 4,225 |
| Cost of funding earning assets | 1.8227% | 3,870 |
| Net interest margin | 3.6625% | 4,298 |
| Noninterest income to average assets | 0.4790% | 4,576 |
| Noninterest expense to average assets | 2.5092% | 6,092 |
| Loan and lease loss provision to assets | 0.1235% | 6,406 |
| Net operating income to assets | 1.2661% | 1,098 |
| Return on assets (ROA) | 1.3151% | 1,049 |
| Pretax return on assets | 1.2843% | 1,738 |
| Return on Equity (ROE) | 10.3898% | 1,582 |
| Retained earnings to average equity (ytd only) | 2.1831% | 3,583 |
| Net charge-offs to loans | 0.2441% | 5,091 |
| Credit loss provision to net charge-offs | 92.8571% | 5,899 |
| Earnings coverage of net charge-offs (x) | 10.2143% | 1,710 |
| Efficiency ratio | 62.7636% | 6,010 |
| Assets per employee ($millions) | 3.6109% | 4,761 |
| Cash dividends to net income (ytd only)* | 78.9886% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8531% | 6,972 |
| Loan loss allowance to noncurrent loans | 80.2281% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 0.8039% | 5,497 |
| Noncurrent loans to loans | 1.0634% | 5,196 |
| Net loans and leases to total assets | 58.2073% | 5,629 |
| Net loans and leases to deposits | 66.9875% | 5,948 |
| Net loans and leases to core deposits | 80.2485% | 6,068 |
| Total domestic deposits to total assets | 86.8928% | 2,565 |
| Equity capital to assets | 12.4615% | 1,765 |
| Core capital (leverage) ratio | 10.6962% | 2,436 |
| Tier 1 risk-based capital ratio | 17.4962% | 2,025 |
| Total risk-based capital ratio | 18.3342% | 2,093 |
| Memoranda: | ||
| Average total assets | $126,297,400 | 4,419 |
| Average earning assets | $116,858,600 | 4,379 |
| Average equity | $15,986,800 | 3,875 |
| Average total loans | $68,812,600 | 4,914 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4899% | 4,469 |
| Cost of funding earning assets | 1.9135% | 3,807 |
| Net interest margin | 3.5763% | 4,564 |
| Noninterest income to average assets | 0.4561% | 4,861 |
| Noninterest expense to average assets | 2.5108% | 6,038 |
| Loan and lease loss provision to assets | 0.1235% | 6,122 |
| Net operating income to assets | 1.1826% | 1,508 |
| Return on assets (ROA) | 1.1826% | 1,561 |
| Pretax return on assets | 1.1350% | 2,459 |
| Return on Equity (ROE) | 9.3062% | 2,158 |
| Retained earnings to average equity (ytd only) | 5.6834% | 2,110 |
| Net charge-offs to loans | 0.2767% | 4,314 |
| Credit loss provision to net charge-offs | 83.5714% | 5,661 |
| Earnings coverage of net charge-offs (x) | 8.5144% | 2,232 |
| Efficiency ratio | 64.4538% | 5,670 |
| Assets per employee ($millions) | 3.5181% | 4,883 |
| Cash dividends to net income (ytd only)* | 38.9285% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9075% | 6,728 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.7572% | 5,617 |
| Noncurrent loans to loans | 0.9075% | 5,474 |
| Net loans and leases to total assets | 53.6257% | 6,430 |
| Net loans and leases to deposits | 62.1146% | 6,663 |
| Net loans and leases to core deposits | 72.3579% | 6,821 |
| Total domestic deposits to total assets | 86.3334% | 2,520 |
| Equity capital to assets | 12.9457% | 1,718 |
| Core capital (leverage) ratio | 10.8923% | 2,484 |
| Tier 1 risk-based capital ratio | 18.8504% | 1,781 |
| Total risk-based capital ratio | 19.7177% | 1,819 |
| Memoranda: | ||
| Average total assets | $126,276,500 | 4,440 |
| Average earning assets | $116,988,250 | 4,409 |
| Average equity | $16,046,250 | 3,903 |
| Average total loans | $67,466,750 | 5,005 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4962% | 4,655 |
| Cost of funding earning assets | 2.0358% | 3,595 |
| Net interest margin | 3.4604% | 4,963 |
| Noninterest income to average assets | 0.4328% | 5,004 |
| Noninterest expense to average assets | 2.6302% | 5,616 |
| Loan and lease loss provision to assets | 0.1855% | 5,175 |
| Net operating income to assets | 0.9021% | 2,451 |
| Return on assets (ROA) | 0.9021% | 2,550 |
| Pretax return on assets | 0.8212% | 3,604 |
| Return on Equity (ROE) | 7.1439% | 3,138 |
| Retained earnings to average equity (ytd only) | 4.5575% | 2,758 |
| Net charge-offs to loans | 0.4083% | 3,160 |
| Credit loss provision to net charge-offs | 85.4015% | 5,053 |
| Earnings coverage of net charge-offs (x) | 4.6350% | 3,048 |
| Efficiency ratio | 70.0523% | 4,768 |
| Assets per employee ($millions) | 3.4599% | 4,926 |
| Cash dividends to net income (ytd only)* | 36.2039% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9357% | 6,620 |
| Loan loss allowance to noncurrent loans | 381.0976% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.4156% | 6,426 |
| Noncurrent loans to loans | 0.2455% | 6,898 |
| Net loans and leases to total assets | 51.6881% | 6,719 |
| Net loans and leases to deposits | 59.5682% | 6,924 |
| Net loans and leases to core deposits | 68.0156% | 7,122 |
| Total domestic deposits to total assets | 86.7712% | 2,367 |
| Equity capital to assets | 12.4766% | 1,935 |
| Core capital (leverage) ratio | 10.5055% | 2,808 |
| Tier 1 risk-based capital ratio | 18.6470% | 1,853 |
| Total risk-based capital ratio | 19.5315% | 1,888 |
| Memoranda: | ||
| Average total assets | $126,151,330 | 4,471 |
| Average earning assets | $116,807,670 | 4,450 |
| Average equity | $15,929,670 | 3,937 |
| Average total loans | $67,109,000 | 5,067 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6359% | 4,131 |
| Cost of funding earning assets | 2.1879% | 3,229 |
| Net interest margin | 3.4480% | 4,948 |
| Noninterest income to average assets | 0.4472% | 4,804 |
| Noninterest expense to average assets | 2.6545% | 5,204 |
| Loan and lease loss provision to assets | 0.0447% | 6,410 |
| Net operating income to assets | 1.0925% | 1,985 |
| Return on assets (ROA) | 1.0925% | 2,115 |
| Pretax return on assets | 0.9296% | 3,605 |
| Return on Equity (ROE) | 8.5992% | 2,884 |
| Retained earnings to average equity (ytd only) | 4.9533% | 3,156 |
| Net charge-offs to loans | 0.5411% | 2,099 |
| Credit loss provision to net charge-offs | 15.3846% | 5,137 |
| Earnings coverage of net charge-offs (x) | 3.3516% | 3,206 |
| Efficiency ratio | 70.8627% | 4,396 |
| Assets per employee ($millions) | 3.5848% | 4,606 |
| Cash dividends to net income (ytd only)* | 42.3977% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8711% | 6,870 |
| Loan loss allowance to noncurrent loans | 176.9470% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.4718% | 6,069 |
| Noncurrent loans to loans | 0.4923% | 6,196 |
| Net loans and leases to total assets | 51.5163% | 6,727 |
| Net loans and leases to deposits | 59.4374% | 6,936 |
| Net loans and leases to core deposits | 68.4330% | 7,112 |
| Total domestic deposits to total assets | 86.6732% | 2,372 |
| Equity capital to assets | 12.6828% | 1,896 |
| Core capital (leverage) ratio | 10.4519% | 2,982 |
| Tier 1 risk-based capital ratio | 18.9539% | 1,823 |
| Total risk-based capital ratio | 19.7837% | 1,882 |
| Memoranda: | ||
| Average total assets | $125,219,000 | 4,517 |
| Average earning assets | $115,546,000 | 4,491 |
| Average equity | $15,908,500 | 3,959 |
| Average total loans | $67,266,500 | 5,083 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1196% | 4,940 |
| Cost of funding earning assets | 2.6092% | 3,641 |
| Net interest margin | 3.5104% | 5,266 |
| Noninterest income to average assets | 0.5052% | 4,585 |
| Noninterest expense to average assets | 2.1755% | 7,034 |
| Loan and lease loss provision to assets | 0.0529% | 6,753 |
| Net operating income to assets | 1.5182% | 982 |
| Return on assets (ROA) | 1.5404% | 909 |
| Pretax return on assets | 1.5541% | 1,527 |
| Return on Equity (ROE) | 12.5501% | 1,430 |
| Retained earnings to average equity (ytd only) | -0.6729% | 5,502 |
| Net charge-offs to loans | 0.0600% | 5,919 |
| Credit loss provision to net charge-offs | 169.2308% | 3,034 |
| Earnings coverage of net charge-offs (x) | 50.6667% | 756 |
| Efficiency ratio | 55.6622% | 7,062 |
| Assets per employee ($millions) | 3.4714% | 4,747 |
| Cash dividends to net income (ytd only)* | 105.3618% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9304% | 6,503 |
| Loan loss allowance to noncurrent loans | 160.0496% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.3473% | 6,206 |
| Noncurrent loans to loans | 0.5813% | 5,627 |
| Net loans and leases to total assets | 54.9600% | 6,550 |
| Net loans and leases to deposits | 63.5289% | 6,840 |
| Net loans and leases to core deposits | 73.6318% | 6,987 |
| Total domestic deposits to total assets | 86.5119% | 2,165 |
| Equity capital to assets | 12.7264% | 1,907 |
| Core capital (leverage) ratio | 10.4678% | 3,002 |
| Tier 1 risk-based capital ratio | 17.7587% | 2,102 |
| Total risk-based capital ratio | 18.6557% | 2,144 |
| Memoranda: | ||
| Average total assets | $124,704,800 | 4,401 |
| Average earning assets | $115,628,200 | 4,371 |
| Average equity | $15,306,600 | 4,073 |
| Average total loans | $64,963,000 | 5,058 |