Home > Llano National Bank > Performance and Condition Ratios
Llano National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4650% | 3,155 |
| Cost of funding earning assets | 0.9895% | 3,320 |
| Net interest margin | 3.4755% | 2,243 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 2.4479% | 2,453 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1237% | 1,847 |
| Return on assets (ROA) | 1.1175% | 1,841 |
| Pretax return on assets | 1.2781% | 1,932 |
| Return on Equity (ROE) | 16.8000% | 977 |
| Retained earnings to average equity (ytd only) | 4.6634% | 2,727 |
| Net charge-offs to loans | -0.0361% | 4,300 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.5732% | 2,406 |
| Assets per employee ($millions) | 6.2385% | 2,599 |
| Cash dividends to net income (ytd only)* | 72.2455% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3893% | 220 |
| Loan loss allowance to noncurrent loans | 567.4785% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.2331% | 2,051 |
| Noncurrent loans to loans | 0.4210% | 1,726 |
| Net loans and leases to total assets | 54.0400% | 3,346 |
| Net loans and leases to deposits | 60.2342% | 3,506 |
| Net loans and leases to core deposits | 63.4557% | 3,614 |
| Total domestic deposits to total assets | 89.7200% | 837 |
| Equity capital to assets | 7.3334% | 3,799 |
| Core capital (leverage) ratio | 11.3554% | 1,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $298,870,000 | 2,432 |
| Average earning assets | $278,519,400 | 2,424 |
| Average equity | $19,878,200 | 2,865 |
| Average total loans | $160,583,200 | 2,599 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3831% | 3,132 |
| Cost of funding earning assets | 0.9048% | 3,260 |
| Net interest margin | 3.4783% | 2,260 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.5070% | 2,216 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1098% | 2,024 |
| Return on assets (ROA) | 1.1015% | 2,032 |
| Pretax return on assets | 1.2515% | 2,166 |
| Return on Equity (ROE) | 17.0000% | 1,076 |
| Retained earnings to average equity (ytd only) | 11.5575% | 1,060 |
| Net charge-offs to loans | -0.0787% | 4,454 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.5364% | 2,215 |
| Assets per employee ($millions) | 6.2379% | 2,537 |
| Cash dividends to net income (ytd only)* | 32.0097% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4439% | 211 |
| Loan loss allowance to noncurrent loans | 595.6781% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 2,145 |
| Noncurrent loans to loans | 0.4103% | 1,803 |
| Net loans and leases to total assets | 53.2900% | 3,408 |
| Net loans and leases to deposits | 58.1957% | 3,598 |
| Net loans and leases to core deposits | 61.7976% | 3,623 |
| Total domestic deposits to total assets | 91.5700% | 543 |
| Equity capital to assets | 6.1767% | 3,925 |
| Core capital (leverage) ratio | 11.4726% | 1,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $298,725,000 | 2,435 |
| Average earning assets | $278,366,500 | 2,427 |
| Average equity | $19,357,750 | 2,903 |
| Average total loans | $159,283,500 | 2,614 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2599% | 3,173 |
| Cost of funding earning assets | 0.8057% | 3,190 |
| Net interest margin | 3.4542% | 2,376 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.4322% | 2,401 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0317% | 2,316 |
| Return on assets (ROA) | 1.0198% | 2,346 |
| Pretax return on assets | 1.1947% | 2,372 |
| Return on Equity (ROE) | 15.4900% | 1,367 |
| Retained earnings to average equity (ytd only) | 14.6801% | 599 |
| Net charge-offs to loans | -0.0786% | 4,477 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.8016% | 2,137 |
| Assets per employee ($millions) | 6.4002% | 2,386 |
| Cash dividends to net income (ytd only)* | 5.2562% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4352% | 239 |
| Loan loss allowance to noncurrent loans | 590.9091% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.2231% | 2,074 |
| Noncurrent loans to loans | 0.4121% | 1,696 |
| Net loans and leases to total assets | 52.8100% | 3,350 |
| Net loans and leases to deposits | 58.5843% | 3,508 |
| Net loans and leases to core deposits | 61.3642% | 3,565 |
| Total domestic deposits to total assets | 90.1400% | 889 |
| Equity capital to assets | 6.7474% | 3,900 |
| Core capital (leverage) ratio | 11.4121% | 1,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $298,494,333 | 2,447 |
| Average earning assets | $278,502,000 | 2,431 |
| Average equity | $19,645,667 | 2,895 |
| Average total loans | $157,861,000 | 2,619 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1741% | 3,097 |
| Cost of funding earning assets | 0.6315% | 3,288 |
| Net interest margin | 3.5426% | 2,257 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.5708% | 2,047 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9770% | 2,603 |
| Return on assets (ROA) | 0.9525% | 2,644 |
| Pretax return on assets | 1.0951% | 2,721 |
| Return on Equity (ROE) | 14.6600% | 1,632 |
| Retained earnings to average equity (ytd only) | 14.6584% | 851 |
| Net charge-offs to loans | -0.0103% | 3,850 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.5921% | 1,791 |
| Assets per employee ($millions) | 6.0231% | 2,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4716% | 228 |
| Loan loss allowance to noncurrent loans | 1,076.0331% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.1230% | 2,650 |
| Noncurrent loans to loans | 0.2297% | 2,351 |
| Net loans and leases to total assets | 52.2200% | 3,334 |
| Net loans and leases to deposits | 59.8118% | 3,342 |
| Net loans and leases to core deposits | 62.9057% | 3,391 |
| Total domestic deposits to total assets | 87.3100% | 2,159 |
| Equity capital to assets | 6.7350% | 3,950 |
| Core capital (leverage) ratio | 11.1402% | 1,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $297,336,500 | 2,486 |
| Average earning assets | $277,425,000 | 2,462 |
| Average equity | $19,320,000 | 2,952 |
| Average total loans | $155,382,500 | 2,662 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7838% | 2,322 |
| Cost of funding earning assets | 0.1910% | 3,831 |
| Net interest margin | 3.5929% | 1,667 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.3009% | 2,731 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2721% | 1,523 |
| Return on assets (ROA) | 1.2691% | 1,484 |
| Pretax return on assets | 1.4433% | 1,646 |
| Return on Equity (ROE) | 17.0400% | 857 |
| Retained earnings to average equity (ytd only) | 13.3565% | 464 |
| Net charge-offs to loans | 0.0126% | 1,913 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 244.6471% | 558 |
| Efficiency ratio | 61.3942% | 2,859 |
| Assets per employee ($millions) | 6.6565% | 2,210 |
| Cash dividends to net income (ytd only)* | 21.6009% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5555% | 202 |
| Loan loss allowance to noncurrent loans | 863.4956% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.1509% | 2,486 |
| Noncurrent loans to loans | 0.2959% | 2,079 |
| Net loans and leases to total assets | 49.6800% | 3,527 |
| Net loans and leases to deposits | 56.6237% | 3,535 |
| Net loans and leases to core deposits | 59.8793% | 3,512 |
| Total domestic deposits to total assets | 87.7500% | 2,162 |
| Equity capital to assets | 6.2639% | 3,993 |
| Core capital (leverage) ratio | 11.2088% | 1,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $287,456,400 | 2,516 |
| Average earning assets | $268,615,600 | 2,498 |
| Average equity | $21,412,800 | 2,823 |
| Average total loans | $135,415,000 | 2,774 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6732% | 2,116 |
| Cost of funding earning assets | 0.1364% | 3,975 |
| Net interest margin | 3.5368% | 1,555 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.3185% | 2,578 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2307% | 1,587 |
| Return on assets (ROA) | 1.2361% | 1,544 |
| Pretax return on assets | 1.4039% | 1,703 |
| Return on Equity (ROE) | 15.9300% | 993 |
| Retained earnings to average equity (ytd only) | 13.6318% | 522 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.3865% | 2,780 |
| Assets per employee ($millions) | 6.3653% | 2,432 |
| Cash dividends to net income (ytd only)* | 14.4103% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7451% | 172 |
| Loan loss allowance to noncurrent loans | 698.7522% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 2,298 |
| Noncurrent loans to loans | 0.3929% | 1,830 |
| Net loans and leases to total assets | 48.4900% | 3,584 |
| Net loans and leases to deposits | 52.4874% | 3,699 |
| Net loans and leases to core deposits | 55.4130% | 3,665 |
| Total domestic deposits to total assets | 92.3800% | 753 |
| Equity capital to assets | 5.5614% | 4,109 |
| Core capital (leverage) ratio | 11.0122% | 1,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $284,434,750 | 2,552 |
| Average earning assets | $265,922,000 | 2,533 |
| Average equity | $22,075,250 | 2,815 |
| Average total loans | $131,086,250 | 2,814 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5099% | 2,113 |
| Cost of funding earning assets | 0.1318% | 3,818 |
| Net interest margin | 3.3782% | 1,668 |
| Noninterest income to average assets | 0.4299% | 2,571 |
| Noninterest expense to average assets | 2.2674% | 2,644 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1206% | 1,701 |
| Return on assets (ROA) | 1.1284% | 1,650 |
| Pretax return on assets | 1.3342% | 1,630 |
| Return on Equity (ROE) | 13.2733% | 1,300 |
| Retained earnings to average equity (ytd only) | 13.0660% | 458 |
| Net charge-offs to loans | 0.0157% | 1,440 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 188.0000% | 559 |
| Efficiency ratio | 63.1156% | 2,898 |
| Assets per employee ($millions) | 6.3146% | 2,472 |
| Cash dividends to net income (ytd only)* | 1.5615% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1508% | 121 |
| Loan loss allowance to noncurrent loans | 651.6667% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.2111% | 2,261 |
| Noncurrent loans to loans | 0.4835% | 1,663 |
| Net loans and leases to total assets | 42.2953% | 3,954 |
| Net loans and leases to deposits | 45.2422% | 4,056 |
| Net loans and leases to core deposits | 47.6516% | 4,042 |
| Total domestic deposits to total assets | 93.4864% | 394 |
| Equity capital to assets | 6.1550% | 4,153 |
| Core capital (leverage) ratio | 10.9431% | 1,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $283,767,333 | 2,569 |
| Average earning assets | $265,647,333 | 2,567 |
| Average equity | $24,123,667 | 2,737 |
| Average total loans | $127,181,667 | 2,872 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3934% | 2,108 |
| Cost of funding earning assets | 0.1333% | 3,724 |
| Net interest margin | 3.2601% | 1,684 |
| Noninterest income to average assets | 0.3399% | 3,058 |
| Noninterest expense to average assets | 2.2837% | 2,563 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9634% | 2,024 |
| Return on assets (ROA) | 0.9789% | 1,968 |
| Pretax return on assets | 1.1454% | 2,000 |
| Return on Equity (ROE) | 10.1164% | 1,922 |
| Retained earnings to average equity (ytd only) | 10.1164% | 992 |
| Net charge-offs to loans | 0.0497% | 794 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 49.9375% | 928 |
| Efficiency ratio | 66.9562% | 2,642 |
| Assets per employee ($millions) | 6.2226% | 2,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9479% | 164 |
| Loan loss allowance to noncurrent loans | 529.1328% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.2980% | 1,930 |
| Noncurrent loans to loans | 0.5571% | 1,645 |
| Net loans and leases to total assets | 44.9143% | 3,667 |
| Net loans and leases to deposits | 49.3424% | 3,787 |
| Net loans and leases to core deposits | 51.6975% | 3,755 |
| Total domestic deposits to total assets | 91.0257% | 1,022 |
| Equity capital to assets | 8.6385% | 3,032 |
| Core capital (leverage) ratio | 10.6429% | 1,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $283,571,500 | 2,586 |
| Average earning assets | $267,109,000 | 2,569 |
| Average equity | $27,440,500 | 2,637 |
| Average total loans | $128,724,500 | 2,860 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6765% | 2,182 |
| Cost of funding earning assets | 0.1717% | 3,757 |
| Net interest margin | 3.5048% | 1,717 |
| Noninterest income to average assets | 0.3645% | 3,248 |
| Noninterest expense to average assets | 2.4297% | 2,399 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3560% | 1,421 |
| Return on assets (ROA) | 1.3864% | 1,380 |
| Pretax return on assets | 1.2769% | 2,430 |
| Return on Equity (ROE) | 12.1912% | 1,746 |
| Retained earnings to average equity (ytd only) | 10.8679% | 730 |
| Net charge-offs to loans | -0.0568% | 4,382 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0940% | 2,246 |
| Assets per employee ($millions) | 6.5326% | 2,307 |
| Cash dividends to net income (ytd only)* | 10.8549% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1365% | 133 |
| Loan loss allowance to noncurrent loans | 526.1745% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.3062% | 2,008 |
| Noncurrent loans to loans | 0.5961% | 1,648 |
| Net loans and leases to total assets | 43.0972% | 3,903 |
| Net loans and leases to deposits | 48.8999% | 3,950 |
| Net loans and leases to core deposits | 51.7895% | 3,904 |
| Total domestic deposits to total assets | 88.1336% | 1,973 |
| Equity capital to assets | 10.7347% | 1,989 |
| Core capital (leverage) ratio | 10.4825% | 1,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $256,489,000 | 2,683 |
| Average earning assets | $242,350,200 | 2,665 |
| Average equity | $29,168,600 | 2,586 |
| Average total loans | $109,129,000 | 3,089 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7448% | 2,158 |
| Cost of funding earning assets | 0.1822% | 3,790 |
| Net interest margin | 3.5627% | 1,695 |
| Noninterest income to average assets | 0.3701% | 3,246 |
| Noninterest expense to average assets | 2.5038% | 2,107 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0509% | 2,724 |
| Return on assets (ROA) | 1.0799% | 2,690 |
| Pretax return on assets | 1.2642% | 2,721 |
| Return on Equity (ROE) | 9.3490% | 2,987 |
| Retained earnings to average equity (ytd only) | 9.3490% | 1,553 |
| Net charge-offs to loans | -0.1242% | 4,680 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0565% | 1,965 |
| Assets per employee ($millions) | 6.3598% | 2,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5561% | 101 |
| Loan loss allowance to noncurrent loans | 466.5094% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.3101% | 2,223 |
| Noncurrent loans to loans | 0.7623% | 1,482 |
| Net loans and leases to total assets | 39.2322% | 4,244 |
| Net loans and leases to deposits | 44.3312% | 4,297 |
| Net loans and leases to core deposits | 45.9525% | 4,326 |
| Total domestic deposits to total assets | 88.4979% | 1,564 |
| Equity capital to assets | 10.9689% | 2,045 |
| Core capital (leverage) ratio | 10.6604% | 1,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $250,385,750 | 2,742 |
| Average earning assets | $236,408,000 | 2,723 |
| Average equity | $28,922,250 | 2,628 |
| Average total loans | $105,166,000 | 3,178 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8437% | 1,961 |
| Cost of funding earning assets | 0.1977% | 3,775 |
| Net interest margin | 3.6461% | 1,479 |
| Noninterest income to average assets | 0.3774% | 3,228 |
| Noninterest expense to average assets | 2.5193% | 2,082 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1149% | 2,488 |
| Return on assets (ROA) | 1.1546% | 2,408 |
| Pretax return on assets | 1.3400% | 2,520 |
| Return on Equity (ROE) | 9.8096% | 2,824 |
| Retained earnings to average equity (ytd only) | 9.8096% | 1,458 |
| Net charge-offs to loans | -0.1881% | 4,788 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0687% | 2,140 |
| Assets per employee ($millions) | 6.0298% | 2,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8096% | 77 |
| Loan loss allowance to noncurrent loans | 375.3321% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.5176% | 1,612 |
| Noncurrent loans to loans | 1.0150% | 1,212 |
| Net loans and leases to total assets | 38.5248% | 4,364 |
| Net loans and leases to deposits | 43.6619% | 4,397 |
| Net loans and leases to core deposits | 45.4028% | 4,415 |
| Total domestic deposits to total assets | 88.2344% | 1,705 |
| Equity capital to assets | 11.2734% | 1,775 |
| Core capital (leverage) ratio | 11.1205% | 1,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $242,690,333 | 2,794 |
| Average earning assets | $228,684,667 | 2,770 |
| Average equity | $28,564,000 | 2,639 |
| Average total loans | $103,139,667 | 3,217 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7540% | 2,233 |
| Cost of funding earning assets | 0.2124% | 3,803 |
| Net interest margin | 3.5416% | 1,722 |
| Noninterest income to average assets | 0.3754% | 3,220 |
| Noninterest expense to average assets | 2.6468% | 1,749 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9293% | 3,048 |
| Return on assets (ROA) | 0.9864% | 2,947 |
| Pretax return on assets | 1.1229% | 3,058 |
| Return on Equity (ROE) | 8.1896% | 3,274 |
| Retained earnings to average equity (ytd only) | 8.1896% | 2,179 |
| Net charge-offs to loans | -0.0195% | 3,982 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4417% | 1,549 |
| Assets per employee ($millions) | 5.4334% | 3,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8094% | 77 |
| Loan loss allowance to noncurrent loans | 385.5289% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.6170% | 1,541 |
| Noncurrent loans to loans | 0.9881% | 1,361 |
| Net loans and leases to total assets | 40.8013% | 4,299 |
| Net loans and leases to deposits | 46.3557% | 4,330 |
| Net loans and leases to core deposits | 48.3068% | 4,363 |
| Total domestic deposits to total assets | 88.0178% | 1,833 |
| Equity capital to assets | 11.5702% | 1,501 |
| Core capital (leverage) ratio | 11.4399% | 1,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,394,500 | 2,832 |
| Average earning assets | $220,349,500 | 2,819 |
| Average equity | $28,231,000 | 2,656 |
| Average total loans | $102,787,500 | 3,221 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2380% | 2,035 |
| Cost of funding earning assets | 0.3009% | 4,138 |
| Net interest margin | 3.9371% | 1,120 |
| Noninterest income to average assets | 0.4321% | 2,949 |
| Noninterest expense to average assets | 2.7238% | 2,165 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.2485% | 1,384 |
| Return on assets (ROA) | 1.2669% | 1,450 |
| Pretax return on assets | 1.3924% | 1,681 |
| Return on Equity (ROE) | 9.9622% | 2,021 |
| Retained earnings to average equity (ytd only) | 8.4147% | 935 |
| Net charge-offs to loans | 0.2126% | 819 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 12.3463% | 2,339 |
| Efficiency ratio | 66.4983% | 2,450 |
| Assets per employee ($millions) | 5.1048% | 3,277 |
| Cash dividends to net income (ytd only)* | 15.5336% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7036% | 78 |
| Loan loss allowance to noncurrent loans | 398.5537% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.6060% | 1,744 |
| Noncurrent loans to loans | 0.9293% | 1,515 |
| Net loans and leases to total assets | 43.6666% | 4,267 |
| Net loans and leases to deposits | 50.3036% | 4,302 |
| Net loans and leases to core deposits | 52.5822% | 4,311 |
| Total domestic deposits to total assets | 86.8060% | 2,033 |
| Equity capital to assets | 12.5375% | 1,298 |
| Core capital (leverage) ratio | 11.5731% | 1,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $207,835,200 | 2,880 |
| Average earning assets | $193,415,600 | 2,880 |
| Average equity | $26,430,000 | 2,717 |
| Average total loans | $108,677,800 | 3,111 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4190% | 1,806 |
| Cost of funding earning assets | 0.3186% | 4,225 |
| Net interest margin | 4.1005% | 895 |
| Noninterest income to average assets | 0.4553% | 2,823 |
| Noninterest expense to average assets | 2.8595% | 1,803 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.2045% | 1,621 |
| Return on assets (ROA) | 1.2255% | 1,679 |
| Pretax return on assets | 1.4278% | 1,641 |
| Return on Equity (ROE) | 9.5983% | 2,168 |
| Retained earnings to average equity (ytd only) | 9.3403% | 895 |
| Net charge-offs to loans | 0.0243% | 2,353 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 106.5000% | 758 |
| Efficiency ratio | 67.0788% | 2,303 |
| Assets per employee ($millions) | 4.9011% | 3,377 |
| Cash dividends to net income (ytd only)* | 2.6882% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7773% | 73 |
| Loan loss allowance to noncurrent loans | 418.2939% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.4693% | 2,315 |
| Noncurrent loans to loans | 0.9030% | 1,655 |
| Net loans and leases to total assets | 47.0091% | 4,267 |
| Net loans and leases to deposits | 54.2794% | 4,326 |
| Net loans and leases to core deposits | 56.5563% | 4,361 |
| Total domestic deposits to total assets | 86.6058% | 1,814 |
| Equity capital to assets | 12.7263% | 1,315 |
| Core capital (leverage) ratio | 12.0510% | 1,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,364,500 | 2,901 |
| Average earning assets | $187,909,250 | 2,909 |
| Average equity | $25,837,250 | 2,742 |
| Average total loans | $109,805,250 | 3,111 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5880% | 1,672 |
| Cost of funding earning assets | 0.3372% | 4,326 |
| Net interest margin | 4.2508% | 824 |
| Noninterest income to average assets | 0.4564% | 2,781 |
| Noninterest expense to average assets | 2.8996% | 1,831 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2709% | 1,431 |
| Return on assets (ROA) | 1.2848% | 1,514 |
| Pretax return on assets | 1.5038% | 1,446 |
| Return on Equity (ROE) | 10.0503% | 1,963 |
| Retained earnings to average equity (ytd only) | 9.6518% | 849 |
| Net charge-offs to loans | 0.0471% | 1,810 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 56.1538% | 1,019 |
| Efficiency ratio | 66.0938% | 2,504 |
| Assets per employee ($millions) | 4.6745% | 3,565 |
| Cash dividends to net income (ytd only)* | 3.9651% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6801% | 80 |
| Loan loss allowance to noncurrent loans | 435.5841% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.5025% | 2,331 |
| Noncurrent loans to loans | 0.8449% | 1,803 |
| Net loans and leases to total assets | 50.5671% | 4,130 |
| Net loans and leases to deposits | 58.5500% | 4,192 |
| Net loans and leases to core deposits | 61.1295% | 4,206 |
| Total domestic deposits to total assets | 86.3657% | 1,860 |
| Equity capital to assets | 12.9550% | 1,182 |
| Core capital (leverage) ratio | 12.5845% | 1,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $196,302,333 | 2,932 |
| Average earning assets | $181,516,667 | 2,942 |
| Average equity | $25,093,667 | 2,773 |
| Average total loans | $110,490,667 | 3,091 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7233% | 1,640 |
| Cost of funding earning assets | 0.3545% | 4,502 |
| Net interest margin | 4.3687% | 666 |
| Noninterest income to average assets | 0.5114% | 2,501 |
| Noninterest expense to average assets | 2.9502% | 2,007 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3559% | 1,091 |
| Return on assets (ROA) | 1.3631% | 1,156 |
| Pretax return on assets | 1.6061% | 1,038 |
| Return on Equity (ROE) | 10.7433% | 1,493 |
| Retained earnings to average equity (ytd only) | 10.7433% | 611 |
| Net charge-offs to loans | 0.0072% | 2,312 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 378.0000% | 180 |
| Efficiency ratio | 64.8699% | 3,103 |
| Assets per employee ($millions) | 4.1983% | 3,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6620% | 93 |
| Loan loss allowance to noncurrent loans | 379.1280% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.5706% | 2,289 |
| Noncurrent loans to loans | 0.9659% | 1,699 |
| Net loans and leases to total assets | 56.9121% | 3,761 |
| Net loans and leases to deposits | 65.2471% | 3,910 |
| Net loans and leases to core deposits | 67.8587% | 3,996 |
| Total domestic deposits to total assets | 87.2255% | 1,457 |
| Equity capital to assets | 12.4283% | 1,779 |
| Core capital (leverage) ratio | 13.0117% | 1,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,277,500 | 2,964 |
| Average earning assets | $174,878,500 | 2,968 |
| Average equity | $24,015,000 | 2,848 |
| Average total loans | $110,519,500 | 3,070 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8117% | 2,010 |
| Cost of funding earning assets | 0.3309% | 4,652 |
| Net interest margin | 4.4807% | 742 |
| Noninterest income to average assets | 0.4643% | 2,930 |
| Noninterest expense to average assets | 2.9333% | 2,194 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4596% | 1,157 |
| Return on assets (ROA) | 1.4634% | 1,208 |
| Pretax return on assets | 1.6871% | 1,225 |
| Return on Equity (ROE) | 11.6052% | 1,655 |
| Retained earnings to average equity (ytd only) | 10.0431% | 476 |
| Net charge-offs to loans | -0.0451% | 4,808 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5461% | 3,136 |
| Assets per employee ($millions) | 4.1224% | 3,736 |
| Cash dividends to net income (ytd only)* | 13.4601% | 3,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7366% | 74 |
| Loan loss allowance to noncurrent loans | 381.4366% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.5653% | 2,192 |
| Noncurrent loans to loans | 0.9796% | 1,560 |
| Net loans and leases to total assets | 55.5513% | 3,953 |
| Net loans and leases to deposits | 64.8636% | 4,016 |
| Net loans and leases to core deposits | 67.1698% | 4,128 |
| Total domestic deposits to total assets | 85.6432% | 2,223 |
| Equity capital to assets | 12.9461% | 1,559 |
| Core capital (leverage) ratio | 12.7115% | 1,365 |
| Tier 1 risk-based capital ratio | 21.5204% | 1,082 |
| Total risk-based capital ratio | 22.8000% | 1,053 |
| Memoranda: | ||
| Average total assets | $183,276,600 | 2,975 |
| Average earning assets | $169,815,800 | 2,992 |
| Average equity | $23,110,400 | 2,862 |
| Average total loans | $110,963,400 | 3,070 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8482% | 1,977 |
| Cost of funding earning assets | 0.3238% | 4,738 |
| Net interest margin | 4.5244% | 730 |
| Noninterest income to average assets | 0.4667% | 2,918 |
| Noninterest expense to average assets | 2.8620% | 2,370 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5403% | 1,088 |
| Return on assets (ROA) | 1.5447% | 1,131 |
| Pretax return on assets | 1.8030% | 1,083 |
| Return on Equity (ROE) | 12.3364% | 1,503 |
| Retained earnings to average equity (ytd only) | 12.0434% | 380 |
| Net charge-offs to loans | -0.1006% | 4,992 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4173% | 3,418 |
| Assets per employee ($millions) | 4.0399% | 3,849 |
| Cash dividends to net income (ytd only)* | 2.3755% | 3,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7392% | 78 |
| Loan loss allowance to noncurrent loans | 373.7987% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.6226% | 2,139 |
| Noncurrent loans to loans | 1.0003% | 1,593 |
| Net loans and leases to total assets | 57.1152% | 3,958 |
| Net loans and leases to deposits | 66.0062% | 4,065 |
| Net loans and leases to core deposits | 68.6160% | 4,130 |
| Total domestic deposits to total assets | 86.5300% | 1,756 |
| Equity capital to assets | 13.0707% | 1,590 |
| Core capital (leverage) ratio | 13.0238% | 1,330 |
| Tier 1 risk-based capital ratio | 21.4988% | 1,132 |
| Total risk-based capital ratio | 22.7788% | 1,105 |
| Memoranda: | ||
| Average total assets | $181,687,750 | 3,026 |
| Average earning assets | $168,387,750 | 3,033 |
| Average equity | $22,750,500 | 2,911 |
| Average total loans | $111,346,250 | 3,097 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9113% | 1,718 |
| Cost of funding earning assets | 0.3162% | 4,783 |
| Net interest margin | 4.5951% | 626 |
| Noninterest income to average assets | 0.4603% | 2,909 |
| Noninterest expense to average assets | 2.8951% | 2,296 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5427% | 1,026 |
| Return on assets (ROA) | 1.5474% | 1,062 |
| Pretax return on assets | 1.8258% | 978 |
| Return on Equity (ROE) | 12.5465% | 1,388 |
| Retained earnings to average equity (ytd only) | 12.0968% | 395 |
| Net charge-offs to loans | -0.1468% | 5,079 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3973% | 3,525 |
| Assets per employee ($millions) | 4.0223% | 3,838 |
| Cash dividends to net income (ytd only)* | 3.5842% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7182% | 71 |
| Loan loss allowance to noncurrent loans | 321.7018% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.7375% | 1,883 |
| Noncurrent loans to loans | 1.1558% | 1,399 |
| Net loans and leases to total assets | 58.9558% | 3,829 |
| Net loans and leases to deposits | 67.9766% | 3,970 |
| Net loans and leases to core deposits | 70.6461% | 4,079 |
| Total domestic deposits to total assets | 86.7296% | 1,714 |
| Equity capital to assets | 12.9124% | 1,629 |
| Core capital (leverage) ratio | 12.8822% | 1,362 |
| Tier 1 risk-based capital ratio | 20.4010% | 1,274 |
| Total risk-based capital ratio | 21.6803% | 1,237 |
| Memoranda: | ||
| Average total assets | $180,305,330 | 3,051 |
| Average earning assets | $166,961,670 | 3,064 |
| Average equity | $22,237,330 | 2,952 |
| Average total loans | $111,707,330 | 3,105 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7225% | 2,150 |
| Cost of funding earning assets | 0.3145% | 4,800 |
| Net interest margin | 4.4080% | 881 |
| Noninterest income to average assets | 0.4512% | 2,848 |
| Noninterest expense to average assets | 2.6896% | 2,940 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5693% | 965 |
| Return on assets (ROA) | 1.5693% | 991 |
| Pretax return on assets | 1.8427% | 886 |
| Return on Equity (ROE) | 13.0318% | 1,207 |
| Retained earnings to average equity (ytd only) | 13.0318% | 458 |
| Net charge-offs to loans | -0.0321% | 4,673 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3428% | 3,899 |
| Assets per employee ($millions) | 4.1614% | 3,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5724% | 79 |
| Loan loss allowance to noncurrent loans | 204.5478% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 1.1361% | 1,198 |
| Noncurrent loans to loans | 1.7465% | 883 |
| Net loans and leases to total assets | 61.0617% | 3,596 |
| Net loans and leases to deposits | 69.9207% | 3,768 |
| Net loans and leases to core deposits | 72.9235% | 3,872 |
| Total domestic deposits to total assets | 87.3300% | 1,651 |
| Equity capital to assets | 12.4202% | 1,783 |
| Core capital (leverage) ratio | 12.4971% | 1,518 |
| Tier 1 risk-based capital ratio | 19.4053% | 1,462 |
| Total risk-based capital ratio | 20.6828% | 1,431 |
| Memoranda: | ||
| Average total assets | $179,955,500 | 3,090 |
| Average earning assets | $166,607,000 | 3,094 |
| Average equity | $21,670,000 | 3,010 |
| Average total loans | $112,144,000 | 3,133 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5681% | 2,236 |
| Cost of funding earning assets | 0.2470% | 4,822 |
| Net interest margin | 4.3211% | 1,106 |
| Noninterest income to average assets | 0.5982% | 2,300 |
| Noninterest expense to average assets | 2.8864% | 2,403 |
| Loan and lease loss provision to assets | 0.2068% | 909 |
| Net operating income to assets | 1.3104% | 1,754 |
| Return on assets (ROA) | 1.3109% | 1,735 |
| Pretax return on assets | 1.4899% | 1,811 |
| Return on Equity (ROE) | 11.3275% | 1,966 |
| Retained earnings to average equity (ytd only) | 9.0169% | 857 |
| Net charge-offs to loans | -0.0717% | 5,071 |
| Credit loss provision to net charge-offs | -486.6667% | 4,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9868% | 3,346 |
| Assets per employee ($millions) | 3.9341% | 3,989 |
| Cash dividends to net income (ytd only)* | 20.3976% | 3,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6396% | 72 |
| Loan loss allowance to noncurrent loans | 228.0632% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 1.0085% | 1,359 |
| Noncurrent loans to loans | 1.5959% | 920 |
| Net loans and leases to total assets | 59.0908% | 3,862 |
| Net loans and leases to deposits | 67.1763% | 4,034 |
| Net loans and leases to core deposits | 71.2508% | 4,045 |
| Total domestic deposits to total assets | 87.9637% | 1,312 |
| Equity capital to assets | 11.6677% | 2,125 |
| Core capital (leverage) ratio | 12.1029% | 1,668 |
| Tier 1 risk-based capital ratio | 17.1424% | 2,017 |
| Total risk-based capital ratio | 18.4156% | 1,953 |
| Memoranda: | ||
| Average total assets | $176,516,000 | 3,091 |
| Average earning assets | $162,759,800 | 3,112 |
| Average equity | $20,428,200 | 3,054 |
| Average total loans | $104,628,800 | 3,218 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5292% | 2,192 |
| Cost of funding earning assets | 0.2335% | 4,869 |
| Net interest margin | 4.2957% | 1,121 |
| Noninterest income to average assets | 0.6058% | 2,275 |
| Noninterest expense to average assets | 2.7563% | 2,789 |
| Loan and lease loss provision to assets | 0.2014% | 864 |
| Net operating income to assets | 1.3387% | 1,710 |
| Return on assets (ROA) | 1.3394% | 1,716 |
| Pretax return on assets | 1.6062% | 1,560 |
| Return on Equity (ROE) | 11.5976% | 1,955 |
| Retained earnings to average equity (ytd only) | 10.5445% | 758 |
| Net charge-offs to loans | 0.5064% | 305 |
| Credit loss provision to net charge-offs | 67.7749% | 2,657 |
| Earnings coverage of net charge-offs (x) | 6.0793% | 2,916 |
| Efficiency ratio | 60.4031% | 3,754 |
| Assets per employee ($millions) | 4.0086% | 3,873 |
| Cash dividends to net income (ytd only)* | 9.0807% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1867% | 117 |
| Loan loss allowance to noncurrent loans | 339.8239% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.5965% | 2,393 |
| Noncurrent loans to loans | 0.9377% | 1,816 |
| Net loans and leases to total assets | 58.4914% | 3,987 |
| Net loans and leases to deposits | 66.3881% | 4,169 |
| Net loans and leases to core deposits | 69.8866% | 4,199 |
| Total domestic deposits to total assets | 88.1052% | 1,198 |
| Equity capital to assets | 11.5511% | 2,224 |
| Core capital (leverage) ratio | 11.9362% | 1,822 |
| Tier 1 risk-based capital ratio | 18.1521% | 1,757 |
| Total risk-based capital ratio | 19.4225% | 1,701 |
| Memoranda: | ||
| Average total assets | $175,402,750 | 3,127 |
| Average earning assets | $161,582,750 | 3,152 |
| Average equity | $20,256,500 | 3,097 |
| Average total loans | $102,936,750 | 3,276 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4538% | 2,244 |
| Cost of funding earning assets | 0.2175% | 4,935 |
| Net interest margin | 4.2363% | 1,201 |
| Noninterest income to average assets | 0.6631% | 2,036 |
| Noninterest expense to average assets | 2.8214% | 2,597 |
| Loan and lease loss provision to assets | 0.1727% | 1,065 |
| Net operating income to assets | 1.3194% | 1,700 |
| Return on assets (ROA) | 1.3204% | 1,699 |
| Pretax return on assets | 1.5713% | 1,595 |
| Return on Equity (ROE) | 11.4340% | 1,935 |
| Retained earnings to average equity (ytd only) | 10.5867% | 765 |
| Net charge-offs to loans | -0.1308% | 5,240 |
| Credit loss provision to net charge-offs | -227.2727% | 4,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8159% | 3,645 |
| Assets per employee ($millions) | 3.9638% | 3,960 |
| Cash dividends to net income (ytd only)* | 7.4106% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5738% | 76 |
| Loan loss allowance to noncurrent loans | 344.3141% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.6514% | 2,277 |
| Noncurrent loans to loans | 1.0379% | 1,691 |
| Net loans and leases to total assets | 57.7072% | 4,021 |
| Net loans and leases to deposits | 65.3757% | 4,200 |
| Net loans and leases to core deposits | 68.8844% | 4,209 |
| Total domestic deposits to total assets | 88.2701% | 1,237 |
| Equity capital to assets | 11.4703% | 2,220 |
| Core capital (leverage) ratio | 12.0484% | 1,680 |
| Tier 1 risk-based capital ratio | 17.9507% | 1,812 |
| Total risk-based capital ratio | 19.2248% | 1,775 |
| Memoranda: | ||
| Average total assets | $173,740,670 | 3,171 |
| Average earning assets | $160,000,000 | 3,189 |
| Average equity | $20,063,000 | 3,122 |
| Average total loans | $100,920,670 | 3,320 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3832% | 2,253 |
| Cost of funding earning assets | 0.2155% | 4,927 |
| Net interest margin | 4.1677% | 1,252 |
| Noninterest income to average assets | 0.8167% | 1,398 |
| Noninterest expense to average assets | 2.7767% | 2,785 |
| Loan and lease loss provision to assets | 0.1750% | 997 |
| Net operating income to assets | 1.4261% | 1,263 |
| Return on assets (ROA) | 1.4280% | 1,266 |
| Pretax return on assets | 1.7034% | 1,107 |
| Return on Equity (ROE) | 12.3235% | 1,462 |
| Retained earnings to average equity (ytd only) | 11.6187% | 761 |
| Net charge-offs to loans | -0.1224% | 5,274 |
| Credit loss provision to net charge-offs | -250.0000% | 3,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6790% | 4,106 |
| Assets per employee ($millions) | 4.0091% | 3,966 |
| Cash dividends to net income (ytd only)* | 5.7190% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6485% | 82 |
| Loan loss allowance to noncurrent loans | 374.8988% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.6044% | 2,498 |
| Noncurrent loans to loans | 0.9732% | 1,873 |
| Net loans and leases to total assets | 56.7417% | 4,052 |
| Net loans and leases to deposits | 64.5120% | 4,179 |
| Net loans and leases to core deposits | 68.1310% | 4,212 |
| Total domestic deposits to total assets | 87.9552% | 1,641 |
| Equity capital to assets | 11.6213% | 2,046 |
| Core capital (leverage) ratio | 12.0157% | 1,642 |
| Tier 1 risk-based capital ratio | 18.5202% | 1,686 |
| Total risk-based capital ratio | 19.7953% | 1,642 |
| Memoranda: | ||
| Average total assets | $171,424,500 | 3,234 |
| Average earning assets | $157,785,500 | 3,239 |
| Average equity | $19,864,500 | 3,171 |
| Average total loans | $98,006,500 | 3,397 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1615% | 2,833 |
| Cost of funding earning assets | 0.1905% | 5,013 |
| Net interest margin | 3.9710% | 1,841 |
| Noninterest income to average assets | 0.4716% | 3,176 |
| Noninterest expense to average assets | 2.7008% | 3,126 |
| Loan and lease loss provision to assets | 0.2412% | 789 |
| Net operating income to assets | 1.0045% | 2,220 |
| Return on assets (ROA) | 1.0633% | 2,027 |
| Pretax return on assets | 1.2967% | 2,366 |
| Return on Equity (ROE) | 9.1340% | 2,253 |
| Retained earnings to average equity (ytd only) | 7.6574% | 874 |
| Net charge-offs to loans | 0.0748% | 2,377 |
| Credit loss provision to net charge-offs | 615.3846% | 521 |
| Earnings coverage of net charge-offs (x) | 37.4000% | 1,317 |
| Efficiency ratio | 64.8140% | 3,480 |
| Assets per employee ($millions) | 3.9642% | 4,023 |
| Cash dividends to net income (ytd only)* | 16.1656% | 3,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8088% | 72 |
| Loan loss allowance to noncurrent loans | 379.6414% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.8653% | 1,800 |
| Noncurrent loans to loans | 1.0033% | 1,770 |
| Net loans and leases to total assets | 53.3225% | 4,413 |
| Net loans and leases to deposits | 60.6099% | 4,525 |
| Net loans and leases to core deposits | 64.1555% | 4,522 |
| Total domestic deposits to total assets | 87.9766% | 1,516 |
| Equity capital to assets | 11.5541% | 2,152 |
| Core capital (leverage) ratio | 11.5332% | 1,921 |
| Tier 1 risk-based capital ratio | 18.9242% | 1,514 |
| Total risk-based capital ratio | 20.2002% | 1,472 |
| Memoranda: | ||
| Average total assets | $165,803,600 | 3,287 |
| Average earning assets | $154,294,000 | 3,268 |
| Average equity | $19,301,600 | 3,216 |
| Average total loans | $86,924,800 | 3,588 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0915% | 3,016 |
| Cost of funding earning assets | 0.1804% | 5,137 |
| Net interest margin | 3.9111% | 2,000 |
| Noninterest income to average assets | 0.4600% | 3,273 |
| Noninterest expense to average assets | 2.6506% | 3,244 |
| Loan and lease loss provision to assets | 0.2632% | 639 |
| Net operating income to assets | 0.8938% | 3,060 |
| Return on assets (ROA) | 0.9661% | 2,760 |
| Pretax return on assets | 1.2949% | 2,518 |
| Return on Equity (ROE) | 8.2831% | 2,983 |
| Retained earnings to average equity (ytd only) | 7.7624% | 1,320 |
| Net charge-offs to loans | -0.0502% | 5,161 |
| Credit loss provision to net charge-offs | -1,015.6250% | 4,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4545% | 3,457 |
| Assets per employee ($millions) | 3.8191% | 4,282 |
| Cash dividends to net income (ytd only)* | 6.2868% | 3,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9842% | 66 |
| Loan loss allowance to noncurrent loans | 250.4149% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 1.1741% | 1,402 |
| Noncurrent loans to loans | 1.5910% | 1,157 |
| Net loans and leases to total assets | 51.9302% | 4,571 |
| Net loans and leases to deposits | 59.3941% | 4,667 |
| Net loans and leases to core deposits | 62.4436% | 4,686 |
| Total domestic deposits to total assets | 87.4333% | 1,654 |
| Equity capital to assets | 11.9085% | 2,025 |
| Core capital (leverage) ratio | 11.7890% | 1,829 |
| Tier 1 risk-based capital ratio | 19.4384% | 1,493 |
| Total risk-based capital ratio | 20.7165% | 1,449 |
| Memoranda: | ||
| Average total assets | $164,639,750 | 3,328 |
| Average earning assets | $153,744,750 | 3,303 |
| Average equity | $19,203,250 | 3,251 |
| Average total loans | $85,033,000 | 3,658 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0258% | 3,112 |
| Cost of funding earning assets | 0.1758% | 5,170 |
| Net interest margin | 3.8500% | 2,096 |
| Noninterest income to average assets | 0.4795% | 3,155 |
| Noninterest expense to average assets | 2.6788% | 3,168 |
| Loan and lease loss provision to assets | 0.3058% | 489 |
| Net operating income to assets | 0.8257% | 3,267 |
| Return on assets (ROA) | 0.8746% | 3,101 |
| Pretax return on assets | 1.1779% | 2,861 |
| Return on Equity (ROE) | 7.5526% | 3,267 |
| Retained earnings to average equity (ytd only) | 6.7603% | 1,711 |
| Net charge-offs to loans | 0.0072% | 3,203 |
| Credit loss provision to net charge-offs | 8,333.3333% | 42 |
| Earnings coverage of net charge-offs (x) | 386.3333% | 217 |
| Efficiency ratio | 65.3927% | 3,447 |
| Assets per employee ($millions) | 4.0247% | 3,915 |
| Cash dividends to net income (ytd only)* | 10.4895% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0916% | 63 |
| Loan loss allowance to noncurrent loans | 200.9731% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 1.3781% | 1,148 |
| Noncurrent loans to loans | 2.0359% | 822 |
| Net loans and leases to total assets | 49.8749% | 4,717 |
| Net loans and leases to deposits | 56.9412% | 4,807 |
| Net loans and leases to core deposits | 60.1274% | 4,815 |
| Total domestic deposits to total assets | 87.5901% | 1,666 |
| Equity capital to assets | 11.8354% | 2,055 |
| Core capital (leverage) ratio | 11.6885% | 1,838 |
| Tier 1 risk-based capital ratio | 20.2927% | 1,302 |
| Total risk-based capital ratio | 21.5732% | 1,277 |
| Memoranda: | ||
| Average total assets | $163,506,670 | 3,358 |
| Average earning assets | $153,610,670 | 3,326 |
| Average equity | $18,934,000 | 3,283 |
| Average total loans | $83,082,670 | 3,720 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9143% | 3,352 |
| Cost of funding earning assets | 0.1728% | 5,214 |
| Net interest margin | 3.7415% | 2,345 |
| Noninterest income to average assets | 0.4915% | 3,033 |
| Noninterest expense to average assets | 2.5953% | 3,522 |
| Loan and lease loss provision to assets | 0.3072% | 424 |
| Net operating income to assets | 0.8233% | 3,105 |
| Return on assets (ROA) | 0.8233% | 3,164 |
| Pretax return on assets | 1.1011% | 2,978 |
| Return on Equity (ROE) | 7.1904% | 3,321 |
| Retained earnings to average equity (ytd only) | 5.5806% | 2,550 |
| Net charge-offs to loans | 0.7000% | 248 |
| Credit loss provision to net charge-offs | 87.4126% | 1,711 |
| Earnings coverage of net charge-offs (x) | 4.0070% | 2,427 |
| Efficiency ratio | 64.8250% | 3,694 |
| Assets per employee ($millions) | 4.0318% | 3,958 |
| Cash dividends to net income (ytd only)* | 22.3881% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9645% | 81 |
| Loan loss allowance to noncurrent loans | 188.8307% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 1.3593% | 1,238 |
| Noncurrent loans to loans | 2.0995% | 832 |
| Net loans and leases to total assets | 47.5666% | 4,854 |
| Net loans and leases to deposits | 53.9056% | 4,941 |
| Net loans and leases to core deposits | 56.5830% | 4,946 |
| Total domestic deposits to total assets | 88.2405% | 1,564 |
| Equity capital to assets | 11.3669% | 2,291 |
| Core capital (leverage) ratio | 11.6724% | 1,843 |
| Tier 1 risk-based capital ratio | 20.7305% | 1,259 |
| Total risk-based capital ratio | 22.0086% | 1,232 |
| Memoranda: | ||
| Average total assets | $162,753,500 | 3,394 |
| Average earning assets | $152,772,500 | 3,369 |
| Average equity | $18,636,000 | 3,329 |
| Average total loans | $81,718,500 | 3,774 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0714% | 2,948 |
| Cost of funding earning assets | 0.1889% | 5,119 |
| Net interest margin | 3.8825% | 2,020 |
| Noninterest income to average assets | 0.4319% | 3,665 |
| Noninterest expense to average assets | 2.6497% | 3,525 |
| Loan and lease loss provision to assets | 0.3220% | 563 |
| Net operating income to assets | 0.9175% | 2,735 |
| Return on assets (ROA) | 0.9344% | 2,764 |
| Pretax return on assets | 1.1671% | 2,821 |
| Return on Equity (ROE) | 7.7622% | 3,081 |
| Retained earnings to average equity (ytd only) | 4.7353% | 2,524 |
| Net charge-offs to loans | 0.1265% | 1,982 |
| Credit loss provision to net charge-offs | 477.1429% | 687 |
| Earnings coverage of net charge-offs (x) | 21.7524% | 1,769 |
| Efficiency ratio | 64.3515% | 3,873 |
| Assets per employee ($millions) | 4.0051% | 3,958 |
| Cash dividends to net income (ytd only)* | 38.9959% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0019% | 77 |
| Loan loss allowance to noncurrent loans | 168.3342% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 1.5056% | 1,101 |
| Noncurrent loans to loans | 2.3774% | 679 |
| Net loans and leases to total assets | 48.8739% | 4,840 |
| Net loans and leases to deposits | 55.5625% | 4,938 |
| Net loans and leases to core deposits | 58.5262% | 4,928 |
| Total domestic deposits to total assets | 87.9621% | 1,648 |
| Equity capital to assets | 11.5367% | 2,134 |
| Core capital (leverage) ratio | 11.5123% | 1,920 |
| Tier 1 risk-based capital ratio | 20.6248% | 1,272 |
| Total risk-based capital ratio | 21.9043% | 1,235 |
| Memoranda: | ||
| Average total assets | $155,602,000 | 3,442 |
| Average earning assets | $147,714,200 | 3,395 |
| Average equity | $18,731,800 | 3,310 |
| Average total loans | $83,002,600 | 3,739 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0723% | 2,979 |
| Cost of funding earning assets | 0.1876% | 5,202 |
| Net interest margin | 3.8847% | 2,032 |
| Noninterest income to average assets | 0.4385% | 3,645 |
| Noninterest expense to average assets | 2.6105% | 3,622 |
| Loan and lease loss provision to assets | 0.3246% | 508 |
| Net operating income to assets | 0.8781% | 3,018 |
| Return on assets (ROA) | 0.8995% | 3,047 |
| Pretax return on assets | 1.2327% | 2,694 |
| Return on Equity (ROE) | 7.3922% | 3,355 |
| Retained earnings to average equity (ytd only) | 6.7892% | 1,730 |
| Net charge-offs to loans | 0.0608% | 2,483 |
| Credit loss provision to net charge-offs | 989.4737% | 414 |
| Earnings coverage of net charge-offs (x) | 46.5747% | 1,128 |
| Efficiency ratio | 63.0788% | 4,063 |
| Assets per employee ($millions) | 3.6741% | 4,526 |
| Cash dividends to net income (ytd only)* | 8.1573% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9244% | 79 |
| Loan loss allowance to noncurrent loans | 154.8792% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 1.6096% | 1,083 |
| Noncurrent loans to loans | 2.5338% | 688 |
| Net loans and leases to total assets | 49.6804% | 4,843 |
| Net loans and leases to deposits | 57.1611% | 4,922 |
| Net loans and leases to core deposits | 60.4599% | 4,907 |
| Total domestic deposits to total assets | 86.9129% | 1,925 |
| Equity capital to assets | 12.2851% | 1,907 |
| Core capital (leverage) ratio | 11.7139% | 1,875 |
| Tier 1 risk-based capital ratio | 21.0515% | 1,262 |
| Total risk-based capital ratio | 22.3309% | 1,232 |
| Memoranda: | ||
| Average total assets | $154,452,000 | 3,472 |
| Average earning assets | $147,104,250 | 3,420 |
| Average equity | $18,794,250 | 3,324 |
| Average total loans | $83,363,000 | 3,746 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0561% | 3,038 |
| Cost of funding earning assets | 0.1855% | 5,278 |
| Net interest margin | 3.8705% | 2,082 |
| Noninterest income to average assets | 0.4423% | 3,576 |
| Noninterest expense to average assets | 2.6763% | 3,463 |
| Loan and lease loss provision to assets | 0.3262% | 516 |
| Net operating income to assets | 0.8403% | 3,129 |
| Return on assets (ROA) | 0.8403% | 3,265 |
| Pretax return on assets | 1.1418% | 3,033 |
| Return on Equity (ROE) | 6.9287% | 3,589 |
| Retained earnings to average equity (ytd only) | 6.0142% | 2,112 |
| Net charge-offs to loans | -0.0500% | 5,368 |
| Credit loss provision to net charge-offs | -1,190.4762% | 5,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5781% | 3,918 |
| Assets per employee ($millions) | 3.8385% | 4,194 |
| Cash dividends to net income (ytd only)* | 13.1988% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8340% | 93 |
| Loan loss allowance to noncurrent loans | 187.1795% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 1.4003% | 1,410 |
| Noncurrent loans to loans | 2.0483% | 959 |
| Net loans and leases to total assets | 51.2782% | 4,739 |
| Net loans and leases to deposits | 59.0025% | 4,851 |
| Net loans and leases to core deposits | 62.5366% | 4,851 |
| Total domestic deposits to total assets | 86.9084% | 1,954 |
| Equity capital to assets | 12.3628% | 1,860 |
| Core capital (leverage) ratio | 11.5896% | 1,920 |
| Tier 1 risk-based capital ratio | 21.0354% | 1,265 |
| Total risk-based capital ratio | 22.3140% | 1,241 |
| Memoranda: | ||
| Average total assets | $153,273,330 | 3,505 |
| Average earning assets | $146,595,670 | 3,449 |
| Average equity | $18,589,330 | 3,360 |
| Average total loans | $83,919,000 | 3,748 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0746% | 2,948 |
| Cost of funding earning assets | 0.1822% | 5,356 |
| Net interest margin | 3.8924% | 1,955 |
| Noninterest income to average assets | 0.4467% | 3,513 |
| Noninterest expense to average assets | 2.6616% | 3,540 |
| Loan and lease loss provision to assets | 0.3265% | 469 |
| Net operating income to assets | 0.8750% | 2,875 |
| Return on assets (ROA) | 0.8750% | 2,990 |
| Pretax return on assets | 1.1963% | 2,715 |
| Return on Equity (ROE) | 7.2854% | 3,298 |
| Retained earnings to average equity (ytd only) | 7.0679% | 1,854 |
| Net charge-offs to loans | -0.3909% | 5,965 |
| Credit loss provision to net charge-offs | -150.6024% | 4,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6080% | 4,187 |
| Assets per employee ($millions) | 3.8016% | 4,294 |
| Cash dividends to net income (ytd only)* | 2.9851% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6376% | 114 |
| Loan loss allowance to noncurrent loans | 151.4525% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 1.3356% | 1,598 |
| Noncurrent loans to loans | 2.4018% | 806 |
| Net loans and leases to total assets | 53.5863% | 4,485 |
| Net loans and leases to deposits | 61.5937% | 4,606 |
| Net loans and leases to core deposits | 65.3640% | 4,587 |
| Total domestic deposits to total assets | 86.9996% | 2,211 |
| Equity capital to assets | 12.2842% | 1,840 |
| Core capital (leverage) ratio | 11.7602% | 1,784 |
| Tier 1 risk-based capital ratio | 20.3718% | 1,428 |
| Total risk-based capital ratio | 21.6491% | 1,399 |
| Memoranda: | ||
| Average total assets | $153,139,500 | 3,536 |
| Average earning assets | $147,056,500 | 3,459 |
| Average equity | $18,393,000 | 3,386 |
| Average total loans | $84,942,500 | 3,724 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1725% | 2,649 |
| Cost of funding earning assets | 0.1956% | 5,320 |
| Net interest margin | 3.9769% | 1,796 |
| Noninterest income to average assets | 0.4422% | 3,731 |
| Noninterest expense to average assets | 2.6476% | 3,763 |
| Loan and lease loss provision to assets | 0.3316% | 475 |
| Net operating income to assets | 0.9836% | 2,453 |
| Return on assets (ROA) | 0.9836% | 2,531 |
| Pretax return on assets | 1.2980% | 2,292 |
| Return on Equity (ROE) | 8.4664% | 2,728 |
| Retained earnings to average equity (ytd only) | 7.2414% | 1,182 |
| Net charge-offs to loans | 0.4100% | 696 |
| Credit loss provision to net charge-offs | 141.5254% | 1,857 |
| Earnings coverage of net charge-offs (x) | 6.9548% | 3,146 |
| Efficiency ratio | 61.9003% | 4,622 |
| Assets per employee ($millions) | 3.9542% | 4,020 |
| Cash dividends to net income (ytd only)* | 14.4684% | 3,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3613% | 150 |
| Loan loss allowance to noncurrent loans | 162.0339% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 1.1478% | 1,900 |
| Noncurrent loans to loans | 2.0745% | 994 |
| Net loans and leases to total assets | 53.4679% | 4,547 |
| Net loans and leases to deposits | 61.0019% | 4,703 |
| Net loans and leases to core deposits | 64.9262% | 4,680 |
| Total domestic deposits to total assets | 87.6496% | 1,818 |
| Equity capital to assets | 11.7408% | 2,157 |
| Core capital (leverage) ratio | 11.2922% | 2,128 |
| Tier 1 risk-based capital ratio | 19.7524% | 1,529 |
| Total risk-based capital ratio | 21.0263% | 1,499 |
| Memoranda: | ||
| Average total assets | $151,079,000 | 3,553 |
| Average earning assets | $145,690,400 | 3,464 |
| Average equity | $17,551,800 | 3,448 |
| Average total loans | $86,342,200 | 3,665 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1755% | 2,660 |
| Cost of funding earning assets | 0.1940% | 5,432 |
| Net interest margin | 3.9815% | 1,760 |
| Noninterest income to average assets | 0.4391% | 3,805 |
| Noninterest expense to average assets | 2.6064% | 3,855 |
| Loan and lease loss provision to assets | 0.3336% | 411 |
| Net operating income to assets | 0.9581% | 2,680 |
| Return on assets (ROA) | 0.9581% | 2,769 |
| Pretax return on assets | 1.3404% | 2,247 |
| Return on Equity (ROE) | 8.2693% | 2,935 |
| Retained earnings to average equity (ytd only) | 8.2693% | 1,135 |
| Net charge-offs to loans | 0.3403% | 773 |
| Credit loss provision to net charge-offs | 170.1357% | 1,530 |
| Earnings coverage of net charge-offs (x) | 8.5385% | 2,804 |
| Efficiency ratio | 60.8912% | 4,756 |
| Assets per employee ($millions) | 4.1744% | 3,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3647% | 168 |
| Loan loss allowance to noncurrent loans | 114.1270% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 1.5886% | 1,402 |
| Noncurrent loans to loans | 2.9482% | 607 |
| Net loans and leases to total assets | 52.0715% | 4,753 |
| Net loans and leases to deposits | 59.2484% | 4,907 |
| Net loans and leases to core deposits | 63.1199% | 4,861 |
| Total domestic deposits to total assets | 87.8868% | 1,621 |
| Equity capital to assets | 11.3996% | 2,587 |
| Core capital (leverage) ratio | 11.4412% | 2,088 |
| Tier 1 risk-based capital ratio | 19.0886% | 1,750 |
| Total risk-based capital ratio | 20.3618% | 1,709 |
| Memoranda: | ||
| Average total assets | $150,295,250 | 3,598 |
| Average earning assets | $144,999,500 | 3,502 |
| Average equity | $17,413,250 | 3,500 |
| Average total loans | $86,597,000 | 3,704 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2657% | 2,299 |
| Cost of funding earning assets | 0.1956% | 5,479 |
| Net interest margin | 4.0702% | 1,444 |
| Noninterest income to average assets | 0.4203% | 3,914 |
| Noninterest expense to average assets | 2.5963% | 3,919 |
| Loan and lease loss provision to assets | 0.3403% | 396 |
| Net operating income to assets | 1.0006% | 2,389 |
| Return on assets (ROA) | 1.0006% | 2,495 |
| Pretax return on assets | 1.4059% | 1,958 |
| Return on Equity (ROE) | 8.5864% | 2,754 |
| Retained earnings to average equity (ytd only) | 8.5864% | 1,047 |
| Net charge-offs to loans | 0.0966% | 2,049 |
| Credit loss provision to net charge-offs | 597.6190% | 558 |
| Earnings coverage of net charge-offs (x) | 30.6667% | 1,348 |
| Efficiency ratio | 59.7877% | 5,012 |
| Assets per employee ($millions) | 3.5196% | 4,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3993% | 174 |
| Loan loss allowance to noncurrent loans | 138.4034% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 1.3988% | 1,791 |
| Noncurrent loans to loans | 2.4561% | 915 |
| Net loans and leases to total assets | 55.0161% | 4,456 |
| Net loans and leases to deposits | 62.6217% | 4,650 |
| Net loans and leases to core deposits | 66.7835% | 4,588 |
| Total domestic deposits to total assets | 87.8547% | 1,726 |
| Equity capital to assets | 11.5380% | 2,385 |
| Core capital (leverage) ratio | 11.5960% | 1,925 |
| Tier 1 risk-based capital ratio | 19.1160% | 1,768 |
| Total risk-based capital ratio | 20.3908% | 1,732 |
| Memoranda: | ||
| Average total assets | $147,517,670 | 3,663 |
| Average earning assets | $142,156,670 | 3,565 |
| Average equity | $17,190,000 | 3,540 |
| Average total loans | $86,970,670 | 3,714 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3570% | 1,916 |
| Cost of funding earning assets | 0.1966% | 5,544 |
| Net interest margin | 4.1604% | 1,144 |
| Noninterest income to average assets | 0.4066% | 3,948 |
| Noninterest expense to average assets | 2.6373% | 3,798 |
| Loan and lease loss provision to assets | 0.3434% | 381 |
| Net operating income to assets | 1.0219% | 2,154 |
| Return on assets (ROA) | 1.0219% | 2,302 |
| Pretax return on assets | 1.4368% | 1,752 |
| Return on Equity (ROE) | 8.7252% | 2,586 |
| Retained earnings to average equity (ytd only) | 8.7252% | 1,297 |
| Net charge-offs to loans | -0.0366% | 5,364 |
| Credit loss provision to net charge-offs | -1,562.5000% | 5,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7015% | 5,130 |
| Assets per employee ($millions) | 3.6241% | 4,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3224% | 209 |
| Loan loss allowance to noncurrent loans | 143.1294% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 1.3755% | 1,922 |
| Noncurrent loans to loans | 2.3213% | 1,063 |
| Net loans and leases to total assets | 57.2880% | 4,053 |
| Net loans and leases to deposits | 65.4945% | 4,200 |
| Net loans and leases to core deposits | 69.7727% | 4,180 |
| Total domestic deposits to total assets | 87.4700% | 2,126 |
| Equity capital to assets | 11.8912% | 2,117 |
| Core capital (leverage) ratio | 11.3523% | 2,117 |
| Tier 1 risk-based capital ratio | 16.3361% | 2,762 |
| Total risk-based capital ratio | 17.6046% | 2,691 |
| Memoranda: | ||
| Average total assets | $145,605,000 | 3,722 |
| Average earning assets | $140,372,000 | 3,620 |
| Average equity | $17,054,000 | 3,582 |
| Average total loans | $87,359,500 | 3,717 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5561% | 1,679 |
| Cost of funding earning assets | 0.2118% | 5,650 |
| Net interest margin | 4.3443% | 975 |
| Noninterest income to average assets | 0.4245% | 4,009 |
| Noninterest expense to average assets | 2.7657% | 3,611 |
| Loan and lease loss provision to assets | 0.3503% | 542 |
| Net operating income to assets | 1.1391% | 1,820 |
| Return on assets (ROA) | 1.1391% | 1,887 |
| Pretax return on assets | 1.4893% | 1,582 |
| Return on Equity (ROE) | 10.0508% | 2,095 |
| Retained earnings to average equity (ytd only) | 8.4684% | 840 |
| Net charge-offs to loans | 0.4555% | 922 |
| Credit loss provision to net charge-offs | 125.3133% | 1,907 |
| Earnings coverage of net charge-offs (x) | 6.5815% | 3,173 |
| Efficiency ratio | 60.0548% | 5,217 |
| Assets per employee ($millions) | 3.6562% | 4,619 |
| Cash dividends to net income (ytd only)* | 15.7442% | 3,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0636% | 278 |
| Loan loss allowance to noncurrent loans | 124.0201% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 1.5412% | 1,758 |
| Noncurrent loans to loans | 2.4702% | 1,035 |
| Net loans and leases to total assets | 58.8714% | 3,936 |
| Net loans and leases to deposits | 67.0062% | 4,219 |
| Net loans and leases to core deposits | 71.6335% | 4,164 |
| Total domestic deposits to total assets | 87.8595% | 1,844 |
| Equity capital to assets | 11.5354% | 2,402 |
| Core capital (leverage) ratio | 10.8247% | 2,591 |
| Tier 1 risk-based capital ratio | 18.2067% | 2,080 |
| Total risk-based capital ratio | 19.4793% | 2,028 |
| Memoranda: | ||
| Average total assets | $142,748,000 | 3,743 |
| Average earning assets | $137,376,000 | 3,637 |
| Average equity | $16,177,800 | 3,643 |
| Average total loans | $87,587,400 | 3,682 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5654% | 1,656 |
| Cost of funding earning assets | 0.2129% | 5,729 |
| Net interest margin | 4.3525% | 951 |
| Noninterest income to average assets | 0.4285% | 4,030 |
| Noninterest expense to average assets | 2.8372% | 3,325 |
| Loan and lease loss provision to assets | 0.3534% | 495 |
| Net operating income to assets | 1.0046% | 2,433 |
| Return on assets (ROA) | 1.0046% | 2,497 |
| Pretax return on assets | 1.4257% | 1,903 |
| Return on Equity (ROE) | 8.9055% | 2,740 |
| Retained earnings to average equity (ytd only) | 8.5723% | 1,134 |
| Net charge-offs to loans | 0.5392% | 707 |
| Credit loss provision to net charge-offs | 106.5156% | 2,090 |
| Earnings coverage of net charge-offs (x) | 5.3627% | 3,280 |
| Efficiency ratio | 61.4617% | 4,971 |
| Assets per employee ($millions) | 3.9433% | 4,003 |
| Cash dividends to net income (ytd only)* | 3.7417% | 3,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9551% | 378 |
| Loan loss allowance to noncurrent loans | 106.6156% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 1.8348% | 1,609 |
| Noncurrent loans to loans | 2.7717% | 1,009 |
| Net loans and leases to total assets | 59.4899% | 3,869 |
| Net loans and leases to deposits | 67.7551% | 4,156 |
| Net loans and leases to core deposits | 72.5091% | 4,102 |
| Total domestic deposits to total assets | 87.8014% | 1,866 |
| Equity capital to assets | 11.3556% | 2,622 |
| Core capital (leverage) ratio | 10.8635% | 2,617 |
| Tier 1 risk-based capital ratio | 17.7866% | 2,282 |
| Total risk-based capital ratio | 19.0575% | 2,237 |
| Memoranda: | ||
| Average total assets | $141,873,500 | 3,789 |
| Average earning assets | $136,500,250 | 3,681 |
| Average equity | $16,004,750 | 3,687 |
| Average total loans | $87,279,750 | 3,724 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5235% | 1,757 |
| Cost of funding earning assets | 0.2161% | 5,787 |
| Net interest margin | 4.3074% | 1,009 |
| Noninterest income to average assets | 0.4198% | 4,097 |
| Noninterest expense to average assets | 2.8933% | 3,186 |
| Loan and lease loss provision to assets | 0.3416% | 531 |
| Net operating income to assets | 0.9464% | 2,565 |
| Return on assets (ROA) | 0.9464% | 2,668 |
| Pretax return on assets | 1.3264% | 2,168 |
| Return on Equity (ROE) | 8.4087% | 2,891 |
| Retained earnings to average equity (ytd only) | 8.1558% | 1,269 |
| Net charge-offs to loans | 0.7925% | 480 |
| Credit loss provision to net charge-offs | 69.9708% | 2,476 |
| Earnings coverage of net charge-offs (x) | 3.4169% | 3,314 |
| Efficiency ratio | 63.4321% | 4,784 |
| Assets per employee ($millions) | 3.6388% | 4,578 |
| Cash dividends to net income (ytd only)* | 3.0075% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8974% | 434 |
| Loan loss allowance to noncurrent loans | 90.0215% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 2.0787% | 1,513 |
| Noncurrent loans to loans | 3.2186% | 877 |
| Net loans and leases to total assets | 59.4398% | 3,794 |
| Net loans and leases to deposits | 67.6613% | 4,086 |
| Net loans and leases to core deposits | 72.5370% | 3,996 |
| Total domestic deposits to total assets | 87.8491% | 2,001 |
| Equity capital to assets | 11.3808% | 2,526 |
| Core capital (leverage) ratio | 10.8077% | 2,614 |
| Tier 1 risk-based capital ratio | 17.7673% | 2,320 |
| Total risk-based capital ratio | 19.0373% | 2,286 |
| Memoranda: | ||
| Average total assets | $140,530,670 | 3,840 |
| Average earning assets | $135,117,000 | 3,726 |
| Average equity | $15,817,000 | 3,719 |
| Average total loans | $86,559,670 | 3,755 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5266% | 1,713 |
| Cost of funding earning assets | 0.2173% | 5,870 |
| Net interest margin | 4.3093% | 978 |
| Noninterest income to average assets | 0.4062% | 4,133 |
| Noninterest expense to average assets | 2.8948% | 3,235 |
| Loan and lease loss provision to assets | 0.3433% | 522 |
| Net operating income to assets | 0.9325% | 2,493 |
| Return on assets (ROA) | 0.9325% | 2,564 |
| Pretax return on assets | 1.3101% | 2,062 |
| Return on Equity (ROE) | 8.3323% | 2,775 |
| Retained earnings to average equity (ytd only) | 7.8211% | 1,676 |
| Net charge-offs to loans | -0.2268% | 6,420 |
| Credit loss provision to net charge-offs | -244.8980% | 5,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6478% | 4,913 |
| Assets per employee ($millions) | 3.4731% | 4,976 |
| Cash dividends to net income (ytd only)* | 6.1350% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2225% | 350 |
| Loan loss allowance to noncurrent loans | 107.3105% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 2.0033% | 1,709 |
| Noncurrent loans to loans | 3.0030% | 1,050 |
| Net loans and leases to total assets | 60.2910% | 3,511 |
| Net loans and leases to deposits | 68.7680% | 3,765 |
| Net loans and leases to core deposits | 74.5875% | 3,579 |
| Total domestic deposits to total assets | 87.6730% | 2,422 |
| Equity capital to assets | 11.4783% | 2,272 |
| Core capital (leverage) ratio | 10.8046% | 2,593 |
| Tier 1 risk-based capital ratio | 17.7182% | 2,403 |
| Total risk-based capital ratio | 18.9931% | 2,363 |
| Memoranda: | ||
| Average total assets | $139,838,500 | 3,882 |
| Average earning assets | $134,405,500 | 3,757 |
| Average equity | $15,650,000 | 3,758 |
| Average total loans | $86,404,000 | 3,789 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4826% | 2,276 |
| Cost of funding earning assets | 0.2461% | 5,994 |
| Net interest margin | 4.2365% | 1,258 |
| Noninterest income to average assets | 0.4260% | 4,263 |
| Noninterest expense to average assets | 2.7772% | 3,805 |
| Loan and lease loss provision to assets | 0.3417% | 936 |
| Net operating income to assets | 0.9604% | 2,513 |
| Return on assets (ROA) | 0.9604% | 2,580 |
| Pretax return on assets | 1.3748% | 1,883 |
| Return on Equity (ROE) | 8.7639% | 2,663 |
| Retained earnings to average equity (ytd only) | 7.3309% | 1,302 |
| Net charge-offs to loans | 0.0798% | 4,102 |
| Credit loss provision to net charge-offs | 712.1212% | 341 |
| Earnings coverage of net charge-offs (x) | 35.7727% | 1,043 |
| Efficiency ratio | 61.8023% | 5,243 |
| Assets per employee ($millions) | 3.5189% | 4,863 |
| Cash dividends to net income (ytd only)* | 16.3512% | 3,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0373% | 449 |
| Loan loss allowance to noncurrent loans | 108.8492% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 1.8408% | 1,986 |
| Noncurrent loans to loans | 2.7904% | 1,272 |
| Net loans and leases to total assets | 59.4235% | 3,807 |
| Net loans and leases to deposits | 67.2042% | 4,159 |
| Net loans and leases to core deposits | 72.7705% | 3,979 |
| Total domestic deposits to total assets | 88.4224% | 1,936 |
| Equity capital to assets | 10.9084% | 2,697 |
| Core capital (leverage) ratio | 10.4493% | 2,964 |
| Tier 1 risk-based capital ratio | 17.2019% | 2,525 |
| Total risk-based capital ratio | 18.4732% | 2,494 |
| Memoranda: | ||
| Average total assets | $137,551,000 | 3,924 |
| Average earning assets | $132,066,000 | 3,798 |
| Average equity | $15,073,200 | 3,853 |
| Average total loans | $82,712,000 | 3,859 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4487% | 2,429 |
| Cost of funding earning assets | 0.2499% | 6,087 |
| Net interest margin | 4.1988% | 1,335 |
| Noninterest income to average assets | 0.4270% | 4,322 |
| Noninterest expense to average assets | 2.7953% | 3,678 |
| Loan and lease loss provision to assets | 0.3412% | 953 |
| Net operating income to assets | 0.9301% | 2,687 |
| Return on assets (ROA) | 0.9301% | 2,794 |
| Pretax return on assets | 1.3201% | 2,262 |
| Return on Equity (ROE) | 8.4781% | 2,890 |
| Retained earnings to average equity (ytd only) | 8.4781% | 1,231 |
| Net charge-offs to loans | -0.0750% | 6,425 |
| Credit loss provision to net charge-offs | -760.8696% | 6,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7215% | 5,028 |
| Assets per employee ($millions) | 3.4866% | 4,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0714% | 507 |
| Loan loss allowance to noncurrent loans | 99.1271% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 2.0213% | 1,986 |
| Noncurrent loans to loans | 3.0984% | 1,283 |
| Net loans and leases to total assets | 59.1056% | 3,837 |
| Net loans and leases to deposits | 66.9034% | 4,190 |
| Net loans and leases to core deposits | 72.0097% | 4,090 |
| Total domestic deposits to total assets | 88.3447% | 1,918 |
| Equity capital to assets | 10.8329% | 2,929 |
| Core capital (leverage) ratio | 10.5076% | 2,997 |
| Tier 1 risk-based capital ratio | 17.3898% | 2,546 |
| Total risk-based capital ratio | 18.6622% | 2,509 |
| Memoranda: | ||
| Average total assets | $136,750,250 | 3,980 |
| Average earning assets | $131,240,500 | 3,858 |
| Average equity | $15,003,000 | 3,910 |
| Average total loans | $81,824,750 | 3,921 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4048% | 2,547 |
| Cost of funding earning assets | 0.2534% | 6,150 |
| Net interest margin | 4.1514% | 1,404 |
| Noninterest income to average assets | 0.4343% | 4,284 |
| Noninterest expense to average assets | 2.7620% | 3,812 |
| Loan and lease loss provision to assets | 0.3386% | 1,002 |
| Net operating income to assets | 0.9422% | 2,604 |
| Return on assets (ROA) | 0.9422% | 2,748 |
| Pretax return on assets | 1.3133% | 2,255 |
| Return on Equity (ROE) | 8.5516% | 2,822 |
| Retained earnings to average equity (ytd only) | 8.5516% | 1,270 |
| Net charge-offs to loans | -0.0966% | 6,497 |
| Credit loss provision to net charge-offs | -589.7436% | 5,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5751% | 5,082 |
| Assets per employee ($millions) | 3.7641% | 4,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9972% | 587 |
| Loan loss allowance to noncurrent loans | 100.7296% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 1.9785% | 2,176 |
| Noncurrent loans to loans | 2.9754% | 1,500 |
| Net loans and leases to total assets | 59.3527% | 3,769 |
| Net loans and leases to deposits | 67.2523% | 4,106 |
| Net loans and leases to core deposits | 72.6387% | 3,968 |
| Total domestic deposits to total assets | 88.2537% | 2,074 |
| Equity capital to assets | 10.9825% | 2,771 |
| Core capital (leverage) ratio | 10.4634% | 2,930 |
| Tier 1 risk-based capital ratio | 17.2222% | 2,631 |
| Total risk-based capital ratio | 18.4931% | 2,589 |
| Memoranda: | ||
| Average total assets | $135,845,670 | 4,027 |
| Average earning assets | $130,222,670 | 3,900 |
| Average equity | $14,968,000 | 3,951 |
| Average total loans | $80,752,000 | 3,966 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3567% | 2,669 |
| Cost of funding earning assets | 0.2514% | 6,282 |
| Net interest margin | 4.1053% | 1,445 |
| Noninterest income to average assets | 0.4441% | 4,147 |
| Noninterest expense to average assets | 2.8056% | 3,678 |
| Loan and lease loss provision to assets | 0.3529% | 922 |
| Net operating income to assets | 0.8646% | 2,839 |
| Return on assets (ROA) | 0.8646% | 2,979 |
| Pretax return on assets | 1.2234% | 2,495 |
| Return on Equity (ROE) | 7.8343% | 3,062 |
| Retained earnings to average equity (ytd only) | 7.8343% | 1,811 |
| Net charge-offs to loans | 0.0803% | 3,036 |
| Credit loss provision to net charge-offs | 750.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 33.5000% | 902 |
| Efficiency ratio | 64.0268% | 5,008 |
| Assets per employee ($millions) | 3.7827% | 4,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8984% | 733 |
| Loan loss allowance to noncurrent loans | 106.4220% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 1.7580% | 2,654 |
| Noncurrent loans to loans | 2.7235% | 1,875 |
| Net loans and leases to total assets | 57.0765% | 3,908 |
| Net loans and leases to deposits | 64.8909% | 4,197 |
| Net loans and leases to core deposits | 69.8018% | 4,109 |
| Total domestic deposits to total assets | 87.9576% | 2,345 |
| Equity capital to assets | 11.1289% | 2,815 |
| Core capital (leverage) ratio | 10.3661% | 2,944 |
| Tier 1 risk-based capital ratio | 15.8158% | 3,363 |
| Total risk-based capital ratio | 17.0823% | 3,320 |
| Memoranda: | ||
| Average total assets | $136,015,000 | 4,062 |
| Average earning assets | $130,465,500 | 3,931 |
| Average equity | $15,011,000 | 3,994 |
| Average total loans | $79,672,000 | 4,019 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4997% | 3,391 |
| Cost of funding earning assets | 0.3286% | 6,318 |
| Net interest margin | 4.1711% | 1,738 |
| Noninterest income to average assets | 0.4582% | 4,192 |
| Noninterest expense to average assets | 2.8584% | 3,820 |
| Loan and lease loss provision to assets | 0.3589% | 1,855 |
| Net operating income to assets | 0.9309% | 2,641 |
| Return on assets (ROA) | 0.9309% | 2,888 |
| Pretax return on assets | 1.2341% | 2,658 |
| Return on Equity (ROE) | 8.5798% | 2,835 |
| Retained earnings to average equity (ytd only) | 7.0665% | 1,538 |
| Net charge-offs to loans | 0.0645% | 5,044 |
| Credit loss provision to net charge-offs | 959.1837% | 266 |
| Earnings coverage of net charge-offs (x) | 42.5714% | 760 |
| Efficiency ratio | 64.2134% | 4,843 |
| Assets per employee ($millions) | 3.6717% | 4,623 |
| Cash dividends to net income (ytd only)* | 17.6374% | 3,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7945% | 823 |
| Loan loss allowance to noncurrent loans | 117.1867% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 1.6393% | 2,946 |
| Noncurrent loans to loans | 2.3846% | 2,247 |
| Net loans and leases to total assets | 56.7400% | 4,152 |
| Net loans and leases to deposits | 64.3463% | 4,494 |
| Net loans and leases to core deposits | 69.6751% | 4,359 |
| Total domestic deposits to total assets | 88.1791% | 2,108 |
| Equity capital to assets | 10.9434% | 3,021 |
| Core capital (leverage) ratio | 10.1235% | 3,242 |
| Tier 1 risk-based capital ratio | 15.4345% | 3,471 |
| Total risk-based capital ratio | 16.7002% | 3,421 |
| Memoranda: | ||
| Average total assets | $130,948,600 | 4,126 |
| Average earning assets | $125,363,600 | 3,992 |
| Average equity | $14,207,800 | 4,119 |
| Average total loans | $75,923,200 | 4,158 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4877% | 3,683 |
| Cost of funding earning assets | 0.3404% | 6,418 |
| Net interest margin | 4.1473% | 1,909 |
| Noninterest income to average assets | 0.4625% | 4,194 |
| Noninterest expense to average assets | 2.9406% | 3,445 |
| Loan and lease loss provision to assets | 0.3700% | 1,754 |
| Net operating income to assets | 0.8407% | 3,259 |
| Return on assets (ROA) | 0.8407% | 3,506 |
| Pretax return on assets | 1.1213% | 3,268 |
| Return on Equity (ROE) | 7.7664% | 3,384 |
| Retained earnings to average equity (ytd only) | 7.7664% | 1,717 |
| Net charge-offs to loans | -0.1616% | 6,953 |
| Credit loss provision to net charge-offs | -395.6044% | 6,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3497% | 4,384 |
| Assets per employee ($millions) | 3.6357% | 4,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9041% | 796 |
| Loan loss allowance to noncurrent loans | 121.0129% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 1.6755% | 3,070 |
| Noncurrent loans to loans | 2.3999% | 2,404 |
| Net loans and leases to total assets | 57.3729% | 4,225 |
| Net loans and leases to deposits | 65.4950% | 4,535 |
| Net loans and leases to core deposits | 71.7588% | 4,284 |
| Total domestic deposits to total assets | 87.5989% | 2,295 |
| Equity capital to assets | 11.3238% | 2,910 |
| Core capital (leverage) ratio | 10.2667% | 3,204 |
| Tier 1 risk-based capital ratio | 15.6670% | 3,445 |
| Total risk-based capital ratio | 16.9336% | 3,401 |
| Memoranda: | ||
| Average total assets | $129,722,500 | 4,193 |
| Average earning assets | $124,157,750 | 4,059 |
| Average equity | $14,043,000 | 4,185 |
| Average total loans | $75,079,250 | 4,228 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4723% | 3,892 |
| Cost of funding earning assets | 0.3489% | 6,515 |
| Net interest margin | 4.1234% | 1,995 |
| Noninterest income to average assets | 0.4747% | 4,097 |
| Noninterest expense to average assets | 2.9520% | 3,434 |
| Loan and lease loss provision to assets | 0.3711% | 1,768 |
| Net operating income to assets | 0.8289% | 3,250 |
| Return on assets (ROA) | 0.8289% | 3,515 |
| Pretax return on assets | 1.0995% | 3,305 |
| Return on Equity (ROE) | 7.7773% | 3,359 |
| Retained earnings to average equity (ytd only) | 7.7773% | 1,728 |
| Net charge-offs to loans | -0.2395% | 7,037 |
| Credit loss provision to net charge-offs | -269.6629% | 6,192 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7483% | 4,373 |
| Assets per employee ($millions) | 3.6637% | 4,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8418% | 908 |
| Loan loss allowance to noncurrent loans | 100.6158% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 1.7552% | 3,097 |
| Noncurrent loans to loans | 2.8244% | 2,121 |
| Net loans and leases to total assets | 55.0587% | 4,621 |
| Net loans and leases to deposits | 62.2710% | 4,963 |
| Net loans and leases to core deposits | 67.9957% | 4,788 |
| Total domestic deposits to total assets | 88.4178% | 1,870 |
| Equity capital to assets | 10.7429% | 3,405 |
| Core capital (leverage) ratio | 10.2164% | 3,121 |
| Tier 1 risk-based capital ratio | 15.4941% | 3,446 |
| Total risk-based capital ratio | 16.7593% | 3,401 |
| Memoranda: | ||
| Average total assets | $129,335,330 | 4,225 |
| Average earning assets | $123,828,670 | 4,085 |
| Average equity | $13,783,670 | 4,235 |
| Average total loans | $74,326,330 | 4,270 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5113% | 3,863 |
| Cost of funding earning assets | 0.3656% | 6,572 |
| Net interest margin | 4.1457% | 1,953 |
| Noninterest income to average assets | 0.4342% | 4,418 |
| Noninterest expense to average assets | 2.9987% | 3,254 |
| Loan and lease loss provision to assets | 0.3748% | 1,683 |
| Net operating income to assets | 0.7840% | 3,453 |
| Return on assets (ROA) | 0.7840% | 3,695 |
| Pretax return on assets | 1.0277% | 3,583 |
| Return on Equity (ROE) | 7.3872% | 3,566 |
| Retained earnings to average equity (ytd only) | 7.3872% | 2,236 |
| Net charge-offs to loans | 0.0216% | 4,381 |
| Credit loss provision to net charge-offs | 3,000.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 112.2500% | 315 |
| Efficiency ratio | 68.1334% | 4,145 |
| Assets per employee ($millions) | 3.3446% | 5,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5772% | 1,255 |
| Loan loss allowance to noncurrent loans | 79.8913% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 2.0402% | 2,838 |
| Noncurrent loans to loans | 3.2258% | 1,989 |
| Net loans and leases to total assets | 56.8398% | 4,240 |
| Net loans and leases to deposits | 64.3449% | 4,585 |
| Net loans and leases to core deposits | 70.3970% | 4,355 |
| Total domestic deposits to total assets | 88.3362% | 2,105 |
| Equity capital to assets | 10.7991% | 3,147 |
| Core capital (leverage) ratio | 10.1639% | 3,156 |
| Tier 1 risk-based capital ratio | 15.3033% | 3,557 |
| Total risk-based capital ratio | 16.5650% | 3,505 |
| Memoranda: | ||
| Average total assets | $128,057,000 | 4,281 |
| Average earning assets | $122,537,500 | 4,143 |
| Average equity | $13,591,000 | 4,280 |
| Average total loans | $74,118,500 | 4,312 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6587% | 4,426 |
| Cost of funding earning assets | 0.4775% | 6,626 |
| Net interest margin | 4.1811% | 2,120 |
| Noninterest income to average assets | 0.4702% | 4,053 |
| Noninterest expense to average assets | 2.8733% | 4,069 |
| Loan and lease loss provision to assets | 0.3905% | 2,649 |
| Net operating income to assets | 0.9084% | 2,565 |
| Return on assets (ROA) | 0.9152% | 2,660 |
| Pretax return on assets | 1.2113% | 2,414 |
| Return on Equity (ROE) | 8.8662% | 2,511 |
| Retained earnings to average equity (ytd only) | 7.1639% | 1,422 |
| Net charge-offs to loans | 0.4096% | 3,379 |
| Credit loss provision to net charge-offs | 161.6162% | 1,707 |
| Earnings coverage of net charge-offs (x) | 6.5926% | 2,487 |
| Efficiency ratio | 64.3352% | 5,065 |
| Assets per employee ($millions) | 3.3953% | 5,258 |
| Cash dividends to net income (ytd only)* | 19.2000% | 3,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4229% | 1,419 |
| Loan loss allowance to noncurrent loans | 62.6308% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 2.2934% | 2,634 |
| Noncurrent loans to loans | 3.8685% | 1,623 |
| Net loans and leases to total assets | 56.0308% | 4,696 |
| Net loans and leases to deposits | 63.1798% | 5,099 |
| Net loans and leases to core deposits | 69.3638% | 4,867 |
| Total domestic deposits to total assets | 88.6847% | 1,731 |
| Equity capital to assets | 10.4302% | 3,610 |
| Core capital (leverage) ratio | 9.6459% | 3,806 |
| Tier 1 risk-based capital ratio | 14.9025% | 3,699 |
| Total risk-based capital ratio | 16.1634% | 3,660 |
| Memoranda: | ||
| Average total assets | $122,923,800 | 4,324 |
| Average earning assets | $117,480,200 | 4,197 |
| Average equity | $12,688,600 | 4,399 |
| Average total loans | $72,515,400 | 4,397 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6799% | 4,548 |
| Cost of funding earning assets | 0.4978% | 6,699 |
| Net interest margin | 4.1821% | 2,171 |
| Noninterest income to average assets | 0.4788% | 4,052 |
| Noninterest expense to average assets | 2.9972% | 3,564 |
| Loan and lease loss provision to assets | 0.3954% | 2,487 |
| Net operating income to assets | 0.7968% | 3,178 |
| Return on assets (ROA) | 0.7984% | 3,333 |
| Pretax return on assets | 1.0840% | 3,076 |
| Return on Equity (ROE) | 7.7567% | 3,156 |
| Retained earnings to average equity (ytd only) | 7.7567% | 1,604 |
| Net charge-offs to loans | 0.4363% | 2,977 |
| Credit loss provision to net charge-offs | 152.5424% | 2,039 |
| Earnings coverage of net charge-offs (x) | 5.6991% | 2,719 |
| Efficiency ratio | 66.9858% | 4,526 |
| Assets per employee ($millions) | 3.5727% | 4,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4232% | 1,500 |
| Loan loss allowance to noncurrent loans | 45.4331% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 3.0431% | 2,109 |
| Noncurrent loans to loans | 5.3335% | 1,130 |
| Net loans and leases to total assets | 54.3521% | 5,122 |
| Net loans and leases to deposits | 61.1697% | 5,489 |
| Net loans and leases to core deposits | 67.1579% | 5,287 |
| Total domestic deposits to total assets | 88.8545% | 1,515 |
| Equity capital to assets | 10.2724% | 3,998 |
| Core capital (leverage) ratio | 10.0965% | 3,312 |
| Tier 1 risk-based capital ratio | 15.1377% | 3,588 |
| Total risk-based capital ratio | 16.3975% | 3,546 |
| Memoranda: | ||
| Average total assets | $121,399,750 | 4,382 |
| Average earning assets | $115,983,500 | 4,251 |
| Average equity | $12,496,500 | 4,452 |
| Average total loans | $72,122,750 | 4,450 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7522% | 4,290 |
| Cost of funding earning assets | 0.5231% | 6,770 |
| Net interest margin | 4.2291% | 1,927 |
| Noninterest income to average assets | 0.4824% | 4,002 |
| Noninterest expense to average assets | 3.0691% | 3,363 |
| Loan and lease loss provision to assets | 0.4034% | 2,414 |
| Net operating income to assets | 0.7690% | 3,206 |
| Return on assets (ROA) | 0.7715% | 3,328 |
| Pretax return on assets | 1.0488% | 3,046 |
| Return on Equity (ROE) | 7.4890% | 3,195 |
| Retained earnings to average equity (ytd only) | 7.4890% | 1,662 |
| Net charge-offs to loans | 0.3763% | 3,047 |
| Credit loss provision to net charge-offs | 176.4706% | 1,701 |
| Earnings coverage of net charge-offs (x) | 6.3382% | 2,417 |
| Efficiency ratio | 67.9315% | 4,528 |
| Assets per employee ($millions) | 3.4711% | 5,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4005% | 1,588 |
| Loan loss allowance to noncurrent loans | 66.1527% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 2.2282% | 2,944 |
| Noncurrent loans to loans | 3.6287% | 1,940 |
| Net loans and leases to total assets | 57.4291% | 4,737 |
| Net loans and leases to deposits | 64.5917% | 5,199 |
| Net loans and leases to core deposits | 72.3088% | 4,777 |
| Total domestic deposits to total assets | 88.9109% | 1,589 |
| Equity capital to assets | 10.4108% | 3,624 |
| Core capital (leverage) ratio | 10.1133% | 3,128 |
| Tier 1 risk-based capital ratio | 15.0015% | 3,492 |
| Total risk-based capital ratio | 16.2624% | 3,461 |
| Memoranda: | ||
| Average total assets | $118,994,000 | 4,488 |
| Average earning assets | $113,546,330 | 4,346 |
| Average equity | $12,258,000 | 4,491 |
| Average total loans | $72,283,000 | 4,494 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8025% | 4,048 |
| Cost of funding earning assets | 0.5482% | 6,809 |
| Net interest margin | 4.2542% | 1,731 |
| Noninterest income to average assets | 0.4790% | 4,057 |
| Noninterest expense to average assets | 3.1220% | 3,172 |
| Loan and lease loss provision to assets | 0.4077% | 2,148 |
| Net operating income to assets | 0.7372% | 3,337 |
| Return on assets (ROA) | 0.7372% | 3,404 |
| Pretax return on assets | 1.0089% | 3,105 |
| Return on Equity (ROE) | 7.1956% | 3,295 |
| Retained earnings to average equity (ytd only) | 7.1956% | 2,070 |
| Net charge-offs to loans | 0.3522% | 2,655 |
| Credit loss provision to net charge-offs | 187.5000% | 1,564 |
| Earnings coverage of net charge-offs (x) | 6.5156% | 2,089 |
| Efficiency ratio | 68.7874% | 4,511 |
| Assets per employee ($millions) | 3.5738% | 4,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3065% | 1,750 |
| Loan loss allowance to noncurrent loans | 62.1692% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 2.3708% | 2,875 |
| Noncurrent loans to loans | 3.7100% | 1,986 |
| Net loans and leases to total assets | 59.9064% | 4,284 |
| Net loans and leases to deposits | 67.3794% | 4,768 |
| Net loans and leases to core deposits | 75.2140% | 4,394 |
| Total domestic deposits to total assets | 88.9091% | 1,831 |
| Equity capital to assets | 10.4236% | 3,264 |
| Core capital (leverage) ratio | 10.1467% | 2,982 |
| Tier 1 risk-based capital ratio | 14.8986% | 3,477 |
| Total risk-based capital ratio | 16.1586% | 3,438 |
| Memoranda: | ||
| Average total assets | $117,746,500 | 4,543 |
| Average earning assets | $112,359,000 | 4,398 |
| Average equity | $12,063,000 | 4,534 |
| Average total loans | $72,681,500 | 4,528 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0668% | 4,256 |
| Cost of funding earning assets | 0.7133% | 6,844 |
| Net interest margin | 4.3535% | 1,637 |
| Noninterest income to average assets | 0.5014% | 4,154 |
| Noninterest expense to average assets | 3.0359% | 3,707 |
| Loan and lease loss provision to assets | 0.4208% | 3,586 |
| Net operating income to assets | 0.7674% | 2,927 |
| Return on assets (ROA) | 0.7680% | 3,048 |
| Pretax return on assets | 1.1224% | 2,495 |
| Return on Equity (ROE) | 7.3432% | 2,950 |
| Retained earnings to average equity (ytd only) | 5.5138% | 2,100 |
| Net charge-offs to loans | 0.3930% | 4,069 |
| Credit loss provision to net charge-offs | 170.8633% | 1,978 |
| Earnings coverage of net charge-offs (x) | 6.2626% | 2,399 |
| Efficiency ratio | 66.3119% | 4,918 |
| Assets per employee ($millions) | 3.4576% | 5,033 |
| Cash dividends to net income (ytd only)* | 24.9135% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2069% | 1,853 |
| Loan loss allowance to noncurrent loans | 57.3665% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 2.3903% | 2,879 |
| Noncurrent loans to loans | 3.8469% | 1,911 |
| Net loans and leases to total assets | 60.7635% | 4,536 |
| Net loans and leases to deposits | 68.0593% | 5,095 |
| Net loans and leases to core deposits | 74.9929% | 4,852 |
| Total domestic deposits to total assets | 89.2803% | 1,502 |
| Equity capital to assets | 10.0656% | 3,667 |
| Core capital (leverage) ratio | 9.9961% | 3,100 |
| Tier 1 risk-based capital ratio | 14.5225% | 3,528 |
| Total risk-based capital ratio | 15.7818% | 3,482 |
| Memoranda: | ||
| Average total assets | $112,883,600 | 4,639 |
| Average earning assets | $105,708,000 | 4,571 |
| Average equity | $11,806,800 | 4,668 |
| Average total loans | $70,742,800 | 4,659 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1424% | 4,108 |
| Cost of funding earning assets | 0.7418% | 6,940 |
| Net interest margin | 4.4007% | 1,522 |
| Noninterest income to average assets | 0.5132% | 4,078 |
| Noninterest expense to average assets | 3.0828% | 3,412 |
| Loan and lease loss provision to assets | 0.4237% | 3,371 |
| Net operating income to assets | 0.7626% | 3,169 |
| Return on assets (ROA) | 0.7626% | 3,324 |
| Pretax return on assets | 1.1064% | 2,804 |
| Return on Equity (ROE) | 7.2200% | 3,246 |
| Retained earnings to average equity (ytd only) | 7.2200% | 1,741 |
| Net charge-offs to loans | 0.5662% | 3,053 |
| Credit loss provision to net charge-offs | 119.1275% | 3,471 |
| Earnings coverage of net charge-offs (x) | 4.3020% | 3,110 |
| Efficiency ratio | 66.8305% | 4,692 |
| Assets per employee ($millions) | 3.1862% | 5,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0731% | 2,064 |
| Loan loss allowance to noncurrent loans | 58.7156% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 2.1857% | 3,226 |
| Noncurrent loans to loans | 3.5308% | 2,231 |
| Net loans and leases to total assets | 60.6197% | 4,799 |
| Net loans and leases to deposits | 68.5159% | 5,346 |
| Net loans and leases to core deposits | 75.8338% | 5,077 |
| Total domestic deposits to total assets | 88.4754% | 1,683 |
| Equity capital to assets | 10.6703% | 3,326 |
| Core capital (leverage) ratio | 10.4208% | 2,779 |
| Tier 1 risk-based capital ratio | 15.0605% | 3,225 |
| Total risk-based capital ratio | 16.3183% | 3,209 |
| Memoranda: | ||
| Average total assets | $111,714,750 | 4,722 |
| Average earning assets | $104,073,000 | 4,664 |
| Average equity | $11,800,250 | 4,739 |
| Average total loans | $70,167,250 | 4,755 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2475% | 3,725 |
| Cost of funding earning assets | 0.7767% | 6,984 |
| Net interest margin | 4.4708% | 1,269 |
| Noninterest income to average assets | 0.5329% | 3,852 |
| Noninterest expense to average assets | 3.1431% | 3,127 |
| Loan and lease loss provision to assets | 0.4245% | 3,201 |
| Net operating income to assets | 0.7569% | 3,162 |
| Return on assets (ROA) | 0.7569% | 3,322 |
| Pretax return on assets | 1.1037% | 2,776 |
| Return on Equity (ROE) | 7.1907% | 3,219 |
| Retained earnings to average equity (ytd only) | 7.1907% | 1,758 |
| Net charge-offs to loans | 0.5523% | 2,874 |
| Credit loss provision to net charge-offs | 121.7617% | 3,326 |
| Earnings coverage of net charge-offs (x) | 4.3834% | 2,965 |
| Efficiency ratio | 67.2854% | 4,713 |
| Assets per employee ($millions) | 3.0473% | 6,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0427% | 2,086 |
| Loan loss allowance to noncurrent loans | 61.0134% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 2.1180% | 3,352 |
| Noncurrent loans to loans | 3.3480% | 2,388 |
| Net loans and leases to total assets | 61.9690% | 4,688 |
| Net loans and leases to deposits | 69.8232% | 5,307 |
| Net loans and leases to core deposits | 77.8392% | 4,977 |
| Total domestic deposits to total assets | 88.7512% | 1,569 |
| Equity capital to assets | 10.4967% | 3,413 |
| Core capital (leverage) ratio | 10.2918% | 2,835 |
| Tier 1 risk-based capital ratio | 14.7655% | 3,279 |
| Total risk-based capital ratio | 16.0231% | 3,247 |
| Memoranda: | ||
| Average total assets | $110,719,000 | 4,780 |
| Average earning assets | $102,487,330 | 4,735 |
| Average equity | $11,654,000 | 4,768 |
| Average total loans | $69,888,330 | 4,798 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2736% | 3,674 |
| Cost of funding earning assets | 0.8138% | 7,043 |
| Net interest margin | 4.4598% | 1,233 |
| Noninterest income to average assets | 0.5068% | 3,996 |
| Noninterest expense to average assets | 3.1394% | 3,107 |
| Loan and lease loss provision to assets | 0.4011% | 2,966 |
| Net operating income to assets | 0.7183% | 3,355 |
| Return on assets (ROA) | 0.7183% | 3,466 |
| Pretax return on assets | 1.0428% | 2,926 |
| Return on Equity (ROE) | 6.8145% | 3,445 |
| Retained earnings to average equity (ytd only) | 6.8145% | 2,213 |
| Net charge-offs to loans | 1.0467% | 1,583 |
| Credit loss provision to net charge-offs | 60.7735% | 4,280 |
| Earnings coverage of net charge-offs (x) | 2.1878% | 3,443 |
| Efficiency ratio | 68.4964% | 4,630 |
| Assets per employee ($millions) | 3.1190% | 5,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8960% | 2,463 |
| Loan loss allowance to noncurrent loans | 47.3740% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 2.6226% | 2,776 |
| Noncurrent loans to loans | 4.0021% | 1,959 |
| Net loans and leases to total assets | 63.7045% | 4,394 |
| Net loans and leases to deposits | 71.9795% | 5,051 |
| Net loans and leases to core deposits | 79.8271% | 4,783 |
| Total domestic deposits to total assets | 88.5036% | 1,785 |
| Equity capital to assets | 10.6948% | 3,047 |
| Core capital (leverage) ratio | 10.2653% | 2,850 |
| Tier 1 risk-based capital ratio | 14.7302% | 3,240 |
| Total risk-based capital ratio | 15.9861% | 3,198 |
| Memoranda: | ||
| Average total assets | $109,703,500 | 4,879 |
| Average earning assets | $100,273,500 | 4,872 |
| Average equity | $11,563,500 | 4,829 |
| Average total loans | $69,169,000 | 4,891 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7067% | 3,071 |
| Cost of funding earning assets | 1.1040% | 6,963 |
| Net interest margin | 4.6026% | 980 |
| Noninterest income to average assets | 0.5722% | 3,840 |
| Noninterest expense to average assets | 3.1402% | 3,583 |
| Loan and lease loss provision to assets | 0.3540% | 4,678 |
| Net operating income to assets | 0.8786% | 2,248 |
| Return on assets (ROA) | 0.8786% | 2,312 |
| Pretax return on assets | 1.3150% | 1,656 |
| Return on Equity (ROE) | 8.2016% | 2,290 |
| Retained earnings to average equity (ytd only) | 6.2463% | 1,253 |
| Net charge-offs to loans | 0.0690% | 6,427 |
| Credit loss provision to net charge-offs | 811.1111% | 360 |
| Earnings coverage of net charge-offs (x) | 38.2444% | 620 |
| Efficiency ratio | 65.2954% | 5,538 |
| Assets per employee ($millions) | 3.1498% | 5,860 |
| Cash dividends to net income (ytd only)* | 23.8411% | 3,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0978% | 1,832 |
| Loan loss allowance to noncurrent loans | 43.0091% | 5,534 |
| Noncurrent assets plus other real estate owned to assets | 2.9843% | 2,350 |
| Noncurrent loans to loans | 4.8776% | 1,400 |
| Net loans and leases to total assets | 59.9009% | 5,358 |
| Net loans and leases to deposits | 67.5035% | 5,889 |
| Net loans and leases to core deposits | 93.5659% | 4,721 |
| Total domestic deposits to total assets | 88.7375% | 1,607 |
| Equity capital to assets | 10.3881% | 3,298 |
| Core capital (leverage) ratio | 10.2401% | 2,834 |
| Tier 1 risk-based capital ratio | 14.8384% | 3,031 |
| Total risk-based capital ratio | 16.0966% | 2,978 |
| Memoranda: | ||
| Average total assets | $103,114,200 | 5,010 |
| Average earning assets | $94,923,600 | 4,977 |
| Average equity | $11,046,600 | 5,011 |
| Average total loans | $65,188,400 | 5,058 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7573% | 3,073 |
| Cost of funding earning assets | 1.1551% | 7,026 |
| Net interest margin | 4.6021% | 988 |
| Noninterest income to average assets | 0.5803% | 3,850 |
| Noninterest expense to average assets | 3.2263% | 3,207 |
| Loan and lease loss provision to assets | 0.3355% | 4,327 |
| Net operating income to assets | 0.8816% | 2,493 |
| Return on assets (ROA) | 0.8816% | 2,567 |
| Pretax return on assets | 1.2855% | 1,985 |
| Return on Equity (ROE) | 8.1616% | 2,574 |
| Retained earnings to average equity (ytd only) | 8.1616% | 1,090 |
| Net charge-offs to loans | 0.0681% | 6,008 |
| Credit loss provision to net charge-offs | 772.7273% | 493 |
| Earnings coverage of net charge-offs (x) | 37.3325% | 788 |
| Efficiency ratio | 66.5581% | 5,278 |
| Assets per employee ($millions) | 3.2034% | 5,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9668% | 1,874 |
| Loan loss allowance to noncurrent loans | 46.9184% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 2.6553% | 2,620 |
| Noncurrent loans to loans | 4.1920% | 1,724 |
| Net loans and leases to total assets | 62.0970% | 5,225 |
| Net loans and leases to deposits | 70.3158% | 5,875 |
| Net loans and leases to core deposits | 97.8958% | 4,615 |
| Total domestic deposits to total assets | 88.3116% | 1,509 |
| Equity capital to assets | 10.8058% | 3,204 |
| Core capital (leverage) ratio | 10.6312% | 2,684 |
| Tier 1 risk-based capital ratio | 15.3030% | 2,912 |
| Total risk-based capital ratio | 16.5592% | 2,851 |
| Memoranda: | ||
| Average total assets | $101,332,250 | 5,088 |
| Average earning assets | $93,954,250 | 5,039 |
| Average equity | $10,945,250 | 5,082 |
| Average total loans | $64,622,750 | 5,120 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8324% | 2,890 |
| Cost of funding earning assets | 1.2215% | 7,043 |
| Net interest margin | 4.6109% | 934 |
| Noninterest income to average assets | 0.5747% | 3,873 |
| Noninterest expense to average assets | 3.2421% | 3,182 |
| Loan and lease loss provision to assets | 0.2904% | 4,251 |
| Net operating income to assets | 0.8991% | 2,463 |
| Return on assets (ROA) | 0.8991% | 2,567 |
| Pretax return on assets | 1.3057% | 2,011 |
| Return on Equity (ROE) | 8.3256% | 2,643 |
| Retained earnings to average equity (ytd only) | 8.3256% | 1,115 |
| Net charge-offs to loans | 0.0501% | 5,780 |
| Credit loss provision to net charge-offs | 906.2500% | 531 |
| Earnings coverage of net charge-offs (x) | 49.8125% | 685 |
| Efficiency ratio | 67.0116% | 5,359 |
| Assets per employee ($millions) | 3.0369% | 6,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9056% | 1,781 |
| Loan loss allowance to noncurrent loans | 51.1065% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 2.3195% | 2,806 |
| Noncurrent loans to loans | 3.7287% | 1,862 |
| Net loans and leases to total assets | 61.0217% | 5,517 |
| Net loans and leases to deposits | 68.8041% | 6,111 |
| Net loans and leases to core deposits | 92.8555% | 5,260 |
| Total domestic deposits to total assets | 88.6892% | 1,441 |
| Equity capital to assets | 10.6222% | 3,276 |
| Core capital (leverage) ratio | 10.7572% | 2,601 |
| Tier 1 risk-based capital ratio | 15.4822% | 2,816 |
| Total risk-based capital ratio | 16.7378% | 2,751 |
| Memoranda: | ||
| Average total assets | $99,872,330 | 5,166 |
| Average earning assets | $92,346,330 | 5,110 |
| Average equity | $10,786,000 | 5,143 |
| Average total loans | $63,843,330 | 5,185 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8394% | 3,094 |
| Cost of funding earning assets | 1.2957% | 7,024 |
| Net interest margin | 4.5438% | 1,046 |
| Noninterest income to average assets | 0.5622% | 3,815 |
| Noninterest expense to average assets | 3.2063% | 2,961 |
| Loan and lease loss provision to assets | 0.2444% | 4,024 |
| Net operating income to assets | 0.9167% | 2,628 |
| Return on assets (ROA) | 0.9167% | 2,769 |
| Pretax return on assets | 1.3119% | 2,245 |
| Return on Equity (ROE) | 8.4151% | 2,958 |
| Retained earnings to average equity (ytd only) | 8.4151% | 1,657 |
| Net charge-offs to loans | 0.1508% | 3,756 |
| Credit loss provision to net charge-offs | 250.0000% | 1,869 |
| Earnings coverage of net charge-offs (x) | 15.9167% | 1,579 |
| Efficiency ratio | 67.3225% | 5,076 |
| Assets per employee ($millions) | 2.8319% | 6,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7536% | 1,973 |
| Loan loss allowance to noncurrent loans | 72.3146% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 1.5780% | 3,562 |
| Noncurrent loans to loans | 2.4249% | 2,715 |
| Net loans and leases to total assets | 63.9318% | 5,003 |
| Net loans and leases to deposits | 72.4514% | 5,689 |
| Net loans and leases to core deposits | 98.5045% | 4,697 |
| Total domestic deposits to total assets | 88.2409% | 1,619 |
| Equity capital to assets | 10.9590% | 2,999 |
| Core capital (leverage) ratio | 10.9272% | 2,560 |
| Tier 1 risk-based capital ratio | 15.5473% | 2,834 |
| Total risk-based capital ratio | 16.8027% | 2,766 |
| Memoranda: | ||
| Average total assets | $98,181,000 | 5,230 |
| Average earning assets | $90,762,000 | 5,194 |
| Average equity | $10,695,000 | 5,189 |
| Average total loans | $63,649,000 | 5,222 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5290% | 2,810 |
| Cost of funding earning assets | 1.7846% | 7,045 |
| Net interest margin | 4.7444% | 882 |
| Noninterest income to average assets | 0.6383% | 3,569 |
| Noninterest expense to average assets | 3.2022% | 3,326 |
| Loan and lease loss provision to assets | 0.1909% | 4,976 |
| Net operating income to assets | 1.0434% | 2,388 |
| Return on assets (ROA) | 1.0434% | 2,279 |
| Pretax return on assets | 1.5863% | 1,429 |
| Return on Equity (ROE) | 9.6062% | 2,396 |
| Retained earnings to average equity (ytd only) | 7.5073% | 984 |
| Net charge-offs to loans | 0.0578% | 5,948 |
| Credit loss provision to net charge-offs | 529.4118% | 823 |
| Earnings coverage of net charge-offs (x) | 49.2941% | 767 |
| Efficiency ratio | 64.3101% | 5,497 |
| Assets per employee ($millions) | 2.6283% | 6,944 |
| Cash dividends to net income (ytd only)* | 21.8496% | 4,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7436% | 1,785 |
| Loan loss allowance to noncurrent loans | 109.0637% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 1.0324% | 4,241 |
| Noncurrent loans to loans | 1.5987% | 3,373 |
| Net loans and leases to total assets | 63.4529% | 5,379 |
| Net loans and leases to deposits | 71.7937% | 6,080 |
| Net loans and leases to core deposits | 94.8725% | 5,367 |
| Total domestic deposits to total assets | 88.3822% | 1,299 |
| Equity capital to assets | 10.8260% | 3,182 |
| Core capital (leverage) ratio | 10.7897% | 2,754 |
| Tier 1 risk-based capital ratio | 15.5321% | 2,835 |
| Total risk-based capital ratio | 16.7866% | 2,765 |
| Memoranda: | ||
| Average total assets | $94,309,200 | 5,218 |
| Average earning assets | $86,291,800 | 5,221 |
| Average equity | $10,243,400 | 5,330 |
| Average total loans | $58,800,800 | 5,328 |