Home > Texas National Bank of Jacksonville > Performance and Condition Ratios
Texas National Bank of Jacksonville, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8064% | 826 |
| Cost of funding earning assets | 2.3015% | 539 |
| Net interest margin | 3.5049% | 2,168 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 2.2880% | 2,881 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.9884% | 2,257 |
| Return on assets (ROA) | 0.9884% | 2,237 |
| Pretax return on assets | 1.2516% | 2,005 |
| Return on Equity (ROE) | 10.2900% | 2,411 |
| Retained earnings to average equity (ytd only) | 8.5127% | 1,392 |
| Net charge-offs to loans | 0.0275% | 1,759 |
| Credit loss provision to net charge-offs | 268.3616% | 1,019 |
| Earnings coverage of net charge-offs (x) | 58.6497% | 1,200 |
| Efficiency ratio | 63.5627% | 2,659 |
| Assets per employee ($millions) | 6.7847% | 2,221 |
| Cash dividends to net income (ytd only)* | 17.2568% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2234% | 2,156 |
| Loan loss allowance to noncurrent loans | 1,723.3405% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.0578% | 3,198 |
| Noncurrent loans to loans | 0.0710% | 3,208 |
| Net loans and leases to total assets | 80.4800% | 583 |
| Net loans and leases to deposits | 90.1172% | 1,252 |
| Net loans and leases to core deposits | 103.1875% | 1,261 |
| Total domestic deposits to total assets | 89.3100% | 975 |
| Equity capital to assets | 9.8326% | 2,103 |
| Core capital (leverage) ratio | 10.1176% | 2,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3828% | 1,200 |
| Memoranda: | ||
| Average total assets | $791,489,400 | 1,196 |
| Average earning assets | $756,601,000 | 1,161 |
| Average equity | $76,039,000 | 1,173 |
| Average total loans | $642,724,800 | 1,035 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6623% | 836 |
| Cost of funding earning assets | 2.1012% | 592 |
| Net interest margin | 3.5611% | 2,082 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 2.2932% | 2,815 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.0292% | 2,277 |
| Return on assets (ROA) | 1.0292% | 2,266 |
| Pretax return on assets | 1.3025% | 2,035 |
| Return on Equity (ROE) | 10.7800% | 2,431 |
| Retained earnings to average equity (ytd only) | 10.3345% | 1,313 |
| Net charge-offs to loans | 0.0273% | 1,525 |
| Credit loss provision to net charge-offs | 286.2595% | 915 |
| Earnings coverage of net charge-offs (x) | 61.5878% | 1,189 |
| Efficiency ratio | 62.6706% | 2,643 |
| Assets per employee ($millions) | 6.8404% | 2,079 |
| Cash dividends to net income (ytd only)* | 4.1125% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2298% | 2,219 |
| Loan loss allowance to noncurrent loans | 1,466.7890% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 3,169 |
| Noncurrent loans to loans | 0.0838% | 3,163 |
| Net loans and leases to total assets | 78.2200% | 855 |
| Net loans and leases to deposits | 87.3348% | 1,444 |
| Net loans and leases to core deposits | 100.5030% | 1,292 |
| Total domestic deposits to total assets | 89.5600% | 1,051 |
| Equity capital to assets | 9.4810% | 2,110 |
| Core capital (leverage) ratio | 10.0731% | 2,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2617% | 1,252 |
| Memoranda: | ||
| Average total assets | $787,517,250 | 1,198 |
| Average earning assets | $752,135,750 | 1,167 |
| Average equity | $75,202,250 | 1,175 |
| Average total loans | $638,948,000 | 1,036 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4234% | 931 |
| Cost of funding earning assets | 1.8980% | 611 |
| Net interest margin | 3.5253% | 2,210 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.3176% | 2,751 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.9784% | 2,487 |
| Return on assets (ROA) | 0.9784% | 2,476 |
| Pretax return on assets | 1.2362% | 2,269 |
| Return on Equity (ROE) | 10.2200% | 2,637 |
| Retained earnings to average equity (ytd only) | 9.5469% | 1,523 |
| Net charge-offs to loans | 0.0305% | 1,277 |
| Credit loss provision to net charge-offs | 257.7320% | 940 |
| Earnings coverage of net charge-offs (x) | 52.0515% | 1,272 |
| Efficiency ratio | 64.0538% | 2,483 |
| Assets per employee ($millions) | 6.7586% | 2,093 |
| Cash dividends to net income (ytd only)* | 6.5824% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2405% | 2,227 |
| Loan loss allowance to noncurrent loans | 882.0313% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.1123% | 2,749 |
| Noncurrent loans to loans | 0.1406% | 2,767 |
| Net loans and leases to total assets | 78.8900% | 748 |
| Net loans and leases to deposits | 88.0949% | 1,336 |
| Net loans and leases to core deposits | 101.6318% | 1,153 |
| Total domestic deposits to total assets | 89.5500% | 1,069 |
| Equity capital to assets | 9.5460% | 2,130 |
| Core capital (leverage) ratio | 10.2209% | 2,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1275% | 1,291 |
| Memoranda: | ||
| Average total assets | $776,406,333 | 1,203 |
| Average earning assets | $740,867,667 | 1,178 |
| Average equity | $74,328,000 | 1,184 |
| Average total loans | $635,252,667 | 1,027 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2500% | 890 |
| Cost of funding earning assets | 1.7256% | 535 |
| Net interest margin | 3.5244% | 2,303 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.3012% | 2,811 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.9542% | 2,677 |
| Return on assets (ROA) | 0.9542% | 2,641 |
| Pretax return on assets | 1.2049% | 2,413 |
| Return on Equity (ROE) | 9.9500% | 2,798 |
| Retained earnings to average equity (ytd only) | 9.9527% | 1,712 |
| Net charge-offs to loans | 0.0126% | 1,480 |
| Credit loss provision to net charge-offs | 875.0000% | 391 |
| Earnings coverage of net charge-offs (x) | 124.1000% | 693 |
| Efficiency ratio | 63.9663% | 2,466 |
| Assets per employee ($millions) | 6.5174% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 2,307 |
| Loan loss allowance to noncurrent loans | 795.2716% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.1282% | 2,617 |
| Noncurrent loans to loans | 0.1569% | 2,701 |
| Net loans and leases to total assets | 80.6900% | 481 |
| Net loans and leases to deposits | 90.1086% | 1,037 |
| Net loans and leases to core deposits | 104.1393% | 916 |
| Total domestic deposits to total assets | 89.5500% | 1,321 |
| Equity capital to assets | 9.6003% | 2,065 |
| Core capital (leverage) ratio | 10.1314% | 2,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9518% | 1,382 |
| Memoranda: | ||
| Average total assets | $765,855,000 | 1,231 |
| Average earning assets | $731,121,500 | 1,200 |
| Average equity | $73,427,000 | 1,205 |
| Average total loans | $634,345,500 | 1,035 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6158% | 601 |
| Cost of funding earning assets | 0.7206% | 531 |
| Net interest margin | 3.8952% | 962 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 2.3857% | 2,466 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.2482% | 1,608 |
| Return on assets (ROA) | 1.2482% | 1,557 |
| Pretax return on assets | 1.5808% | 1,213 |
| Return on Equity (ROE) | 13.1400% | 1,758 |
| Retained earnings to average equity (ytd only) | 11.5574% | 768 |
| Net charge-offs to loans | -0.0602% | 4,392 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.7856% | 3,087 |
| Assets per employee ($millions) | 6.5184% | 2,316 |
| Cash dividends to net income (ytd only)* | 12.0469% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2205% | 2,295 |
| Loan loss allowance to noncurrent loans | 582.2690% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.1760% | 2,314 |
| Noncurrent loans to loans | 0.2096% | 2,444 |
| Net loans and leases to total assets | 82.9500% | 329 |
| Net loans and leases to deposits | 92.5536% | 888 |
| Net loans and leases to core deposits | 107.1622% | 702 |
| Total domestic deposits to total assets | 89.6300% | 1,507 |
| Equity capital to assets | 9.5746% | 1,948 |
| Core capital (leverage) ratio | 10.2630% | 2,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5426% | 1,465 |
| Memoranda: | ||
| Average total assets | $731,513,400 | 1,269 |
| Average earning assets | $699,862,800 | 1,232 |
| Average equity | $69,487,800 | 1,261 |
| Average total loans | $612,555,600 | 1,023 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5121% | 493 |
| Cost of funding earning assets | 0.6038% | 427 |
| Net interest margin | 3.9083% | 788 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 2.3920% | 2,362 |
| Loan and lease loss provision to assets | -0.0200% | 4,406 |
| Net operating income to assets | 1.3128% | 1,310 |
| Return on assets (ROA) | 1.3128% | 1,278 |
| Pretax return on assets | 1.6609% | 978 |
| Return on Equity (ROE) | 13.8500% | 1,469 |
| Retained earnings to average equity (ytd only) | 13.3639% | 561 |
| Net charge-offs to loans | -0.0866% | 4,451 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.2874% | 3,210 |
| Assets per employee ($millions) | 5.9831% | 2,779 |
| Cash dividends to net income (ytd only)* | 3.5004% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 2,499 |
| Loan loss allowance to noncurrent loans | 481.0135% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.2693% | 1,875 |
| Noncurrent loans to loans | 0.2506% | 2,377 |
| Net loans and leases to total assets | 81.5300% | 407 |
| Net loans and leases to deposits | 90.8795% | 831 |
| Net loans and leases to core deposits | 101.0991% | 777 |
| Total domestic deposits to total assets | 89.7100% | 1,780 |
| Equity capital to assets | 9.3609% | 1,975 |
| Core capital (leverage) ratio | 10.0932% | 2,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2209% | 1,643 |
| Memoranda: | ||
| Average total assets | $725,357,250 | 1,286 |
| Average earning assets | $694,197,250 | 1,251 |
| Average equity | $68,760,500 | 1,281 |
| Average total loans | $606,948,750 | 1,031 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4527% | 403 |
| Cost of funding earning assets | 0.5480% | 394 |
| Net interest margin | 3.9047% | 598 |
| Noninterest income to average assets | 0.2844% | 3,470 |
| Noninterest expense to average assets | 2.3929% | 2,247 |
| Loan and lease loss provision to assets | -0.0279% | 4,457 |
| Net operating income to assets | 1.3086% | 1,114 |
| Return on assets (ROA) | 1.3086% | 1,096 |
| Pretax return on assets | 1.6562% | 834 |
| Return on Equity (ROE) | 13.7446% | 1,179 |
| Retained earnings to average equity (ytd only) | 13.0110% | 466 |
| Net charge-offs to loans | -0.1326% | 4,509 |
| Credit loss provision to net charge-offs | 25.0627% | 1,584 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5081% | 3,364 |
| Assets per employee ($millions) | 6.3248% | 2,463 |
| Cash dividends to net income (ytd only)* | 5.3373% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2259% | 2,561 |
| Loan loss allowance to noncurrent loans | 456.5085% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.2860% | 1,865 |
| Noncurrent loans to loans | 0.2685% | 2,403 |
| Net loans and leases to total assets | 83.1350% | 224 |
| Net loans and leases to deposits | 93.8713% | 524 |
| Net loans and leases to core deposits | 101.9502% | 595 |
| Total domestic deposits to total assets | 88.5628% | 2,352 |
| Equity capital to assets | 9.5244% | 1,997 |
| Core capital (leverage) ratio | 9.9355% | 2,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0175% | 1,700 |
| Memoranda: | ||
| Average total assets | $715,854,333 | 1,296 |
| Average earning assets | $685,073,000 | 1,271 |
| Average equity | $68,157,667 | 1,317 |
| Average total loans | $601,888,333 | 1,025 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4000% | 380 |
| Cost of funding earning assets | 0.5643% | 337 |
| Net interest margin | 3.8357% | 590 |
| Noninterest income to average assets | 0.2800% | 3,458 |
| Noninterest expense to average assets | 2.3963% | 2,179 |
| Loan and lease loss provision to assets | 0.1690% | 463 |
| Net operating income to assets | 1.1029% | 1,522 |
| Return on assets (ROA) | 1.1029% | 1,511 |
| Pretax return on assets | 1.3942% | 1,269 |
| Return on Equity (ROE) | 11.5861% | 1,427 |
| Retained earnings to average equity (ytd only) | 11.5861% | 659 |
| Net charge-offs to loans | 0.0617% | 699 |
| Credit loss provision to net charge-offs | 326.0870% | 646 |
| Earnings coverage of net charge-offs (x) | 30.1630% | 1,128 |
| Efficiency ratio | 60.5207% | 3,432 |
| Assets per employee ($millions) | 6.3571% | 2,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2224% | 2,745 |
| Loan loss allowance to noncurrent loans | 359.5538% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.3508% | 1,701 |
| Noncurrent loans to loans | 0.3400% | 2,263 |
| Net loans and leases to total assets | 84.1452% | 83 |
| Net loans and leases to deposits | 95.0265% | 315 |
| Net loans and leases to core deposits | 103.9396% | 401 |
| Total domestic deposits to total assets | 88.5492% | 2,278 |
| Equity capital to assets | 9.5093% | 2,272 |
| Core capital (leverage) ratio | 9.8744% | 2,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4589% | 2,011 |
| Memoranda: | ||
| Average total assets | $710,105,500 | 1,309 |
| Average earning assets | $681,177,000 | 1,276 |
| Average equity | $67,598,500 | 1,363 |
| Average total loans | $596,738,000 | 1,024 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5683% | 534 |
| Cost of funding earning assets | 0.7540% | 257 |
| Net interest margin | 3.8143% | 979 |
| Noninterest income to average assets | 0.2222% | 4,040 |
| Noninterest expense to average assets | 2.4271% | 2,406 |
| Loan and lease loss provision to assets | 0.1721% | 673 |
| Net operating income to assets | 1.0065% | 2,644 |
| Return on assets (ROA) | 1.0065% | 2,715 |
| Pretax return on assets | 1.2765% | 2,434 |
| Return on Equity (ROE) | 10.5034% | 2,346 |
| Retained earnings to average equity (ytd only) | 8.8153% | 1,250 |
| Net charge-offs to loans | 0.1759% | 553 |
| Credit loss provision to net charge-offs | 117.9435% | 1,661 |
| Earnings coverage of net charge-offs (x) | 9.9294% | 2,237 |
| Efficiency ratio | 62.6243% | 2,773 |
| Assets per employee ($millions) | 6.3234% | 2,466 |
| Cash dividends to net income (ytd only)* | 16.0725% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2277% | 2,747 |
| Loan loss allowance to noncurrent loans | 348.6212% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.3534% | 1,810 |
| Noncurrent loans to loans | 0.3522% | 2,319 |
| Net loans and leases to total assets | 81.8601% | 188 |
| Net loans and leases to deposits | 93.0985% | 413 |
| Net loans and leases to core deposits | 102.6826% | 445 |
| Total domestic deposits to total assets | 87.9284% | 2,081 |
| Equity capital to assets | 9.5297% | 3,119 |
| Core capital (leverage) ratio | 9.6235% | 2,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4591% | 2,063 |
| Memoranda: | ||
| Average total assets | $679,981,400 | 1,310 |
| Average earning assets | $651,311,000 | 1,289 |
| Average equity | $65,159,600 | 1,422 |
| Average total loans | $564,092,400 | 1,069 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5950% | 577 |
| Cost of funding earning assets | 0.7974% | 246 |
| Net interest margin | 3.7976% | 1,124 |
| Noninterest income to average assets | 0.2142% | 4,118 |
| Noninterest expense to average assets | 2.4244% | 2,357 |
| Loan and lease loss provision to assets | 0.1605% | 689 |
| Net operating income to assets | 0.9986% | 2,913 |
| Return on assets (ROA) | 0.9986% | 2,978 |
| Pretax return on assets | 1.2631% | 2,725 |
| Return on Equity (ROE) | 10.4060% | 2,591 |
| Retained earnings to average equity (ytd only) | 9.8898% | 1,358 |
| Net charge-offs to loans | 0.1516% | 549 |
| Credit loss provision to net charge-offs | 127.5591% | 1,432 |
| Earnings coverage of net charge-offs (x) | 11.3150% | 2,004 |
| Efficiency ratio | 63.0040% | 2,535 |
| Assets per employee ($millions) | 6.1942% | 2,508 |
| Cash dividends to net income (ytd only)* | 4.9603% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 2,756 |
| Loan loss allowance to noncurrent loans | 354.3040% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.3001% | 2,276 |
| Noncurrent loans to loans | 0.3519% | 2,515 |
| Net loans and leases to total assets | 80.7906% | 251 |
| Net loans and leases to deposits | 92.0297% | 493 |
| Net loans and leases to core deposits | 101.8181% | 531 |
| Total domestic deposits to total assets | 87.7875% | 1,959 |
| Equity capital to assets | 9.4482% | 3,425 |
| Core capital (leverage) ratio | 9.6697% | 2,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6071% | 2,124 |
| Memoranda: | ||
| Average total assets | $672,922,500 | 1,335 |
| Average earning assets | $643,907,500 | 1,316 |
| Average equity | $64,576,750 | 1,448 |
| Average total loans | $558,377,250 | 1,098 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7442% | 502 |
| Cost of funding earning assets | 0.8465% | 232 |
| Net interest margin | 3.8977% | 978 |
| Noninterest income to average assets | 0.1904% | 4,253 |
| Noninterest expense to average assets | 2.4244% | 2,381 |
| Loan and lease loss provision to assets | 0.1466% | 818 |
| Net operating income to assets | 1.0649% | 2,663 |
| Return on assets (ROA) | 1.0649% | 2,738 |
| Pretax return on assets | 1.3468% | 2,488 |
| Return on Equity (ROE) | 11.0361% | 2,412 |
| Retained earnings to average equity (ytd only) | 10.2531% | 1,325 |
| Net charge-offs to loans | 0.0449% | 1,182 |
| Credit loss provision to net charge-offs | 391.1290% | 767 |
| Earnings coverage of net charge-offs (x) | 39.8548% | 1,167 |
| Efficiency ratio | 61.8820% | 2,745 |
| Assets per employee ($millions) | 6.5189% | 2,156 |
| Cash dividends to net income (ytd only)* | 7.0942% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2885% | 2,494 |
| Loan loss allowance to noncurrent loans | 308.2603% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.4041% | 1,992 |
| Noncurrent loans to loans | 0.4180% | 2,429 |
| Net loans and leases to total assets | 82.6985% | 187 |
| Net loans and leases to deposits | 94.2296% | 447 |
| Net loans and leases to core deposits | 104.8583% | 505 |
| Total domestic deposits to total assets | 87.7627% | 1,951 |
| Equity capital to assets | 9.5534% | 3,287 |
| Core capital (leverage) ratio | 9.6089% | 2,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6155% | 2,118 |
| Memoranda: | ||
| Average total assets | $661,851,000 | 1,347 |
| Average earning assets | $632,935,333 | 1,327 |
| Average equity | $63,863,333 | 1,450 |
| Average total loans | $551,938,000 | 1,107 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8757% | 431 |
| Cost of funding earning assets | 0.9037% | 219 |
| Net interest margin | 3.9720% | 885 |
| Noninterest income to average assets | 0.1845% | 4,271 |
| Noninterest expense to average assets | 2.4521% | 2,322 |
| Loan and lease loss provision to assets | 0.1445% | 918 |
| Net operating income to assets | 1.0902% | 2,507 |
| Return on assets (ROA) | 1.0902% | 2,580 |
| Pretax return on assets | 1.3847% | 2,324 |
| Return on Equity (ROE) | 11.2395% | 2,293 |
| Retained earnings to average equity (ytd only) | 11.2395% | 1,337 |
| Net charge-offs to loans | -0.0052% | 3,408 |
| Credit loss provision to net charge-offs | -3,357.1429% | 3,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5907% | 2,825 |
| Assets per employee ($millions) | 6.3109% | 2,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3344% | 2,274 |
| Loan loss allowance to noncurrent loans | 230.6058% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.5825% | 1,636 |
| Noncurrent loans to loans | 0.5787% | 2,123 |
| Net loans and leases to total assets | 80.3644% | 319 |
| Net loans and leases to deposits | 92.3852% | 573 |
| Net loans and leases to core deposits | 103.6143% | 588 |
| Total domestic deposits to total assets | 86.9885% | 2,313 |
| Equity capital to assets | 9.5523% | 3,147 |
| Core capital (leverage) ratio | 9.8584% | 2,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1811% | 1,849 |
| Memoranda: | ||
| Average total assets | $650,532,000 | 1,354 |
| Average earning assets | $621,858,000 | 1,333 |
| Average equity | $63,099,000 | 1,449 |
| Average total loans | $541,181,500 | 1,125 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1921% | 340 |
| Cost of funding earning assets | 1.3202% | 167 |
| Net interest margin | 3.8719% | 1,298 |
| Noninterest income to average assets | 0.2075% | 4,233 |
| Noninterest expense to average assets | 2.3802% | 3,176 |
| Loan and lease loss provision to assets | 0.3226% | 1,134 |
| Net operating income to assets | 0.9484% | 2,490 |
| Return on assets (ROA) | 0.9484% | 2,637 |
| Pretax return on assets | 1.2015% | 2,315 |
| Return on Equity (ROE) | 9.3585% | 2,256 |
| Retained earnings to average equity (ytd only) | 7.4567% | 1,209 |
| Net charge-offs to loans | 0.2429% | 714 |
| Credit loss provision to net charge-offs | 153.6313% | 2,401 |
| Earnings coverage of net charge-offs (x) | 7.2578% | 2,710 |
| Efficiency ratio | 60.9633% | 3,323 |
| Assets per employee ($millions) | 5.8528% | 2,495 |
| Cash dividends to net income (ytd only)* | 20.3216% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3078% | 2,374 |
| Loan loss allowance to noncurrent loans | 259.4684% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.5524% | 1,903 |
| Noncurrent loans to loans | 0.5040% | 2,461 |
| Net loans and leases to total assets | 83.9193% | 175 |
| Net loans and leases to deposits | 97.8504% | 466 |
| Net loans and leases to core deposits | 110.4201% | 494 |
| Total domestic deposits to total assets | 85.7628% | 2,469 |
| Equity capital to assets | 9.8555% | 3,258 |
| Core capital (leverage) ratio | 9.9149% | 2,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0123% | 1,846 |
| Memoranda: | ||
| Average total assets | $596,681,600 | 1,337 |
| Average earning assets | $569,695,600 | 1,307 |
| Average equity | $60,469,200 | 1,436 |
| Average total loans | $515,935,800 | 1,111 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3229% | 336 |
| Cost of funding earning assets | 1.4125% | 162 |
| Net interest margin | 3.9104% | 1,328 |
| Noninterest income to average assets | 0.2323% | 4,108 |
| Noninterest expense to average assets | 2.3460% | 3,297 |
| Loan and lease loss provision to assets | 0.3459% | 1,107 |
| Net operating income to assets | 1.0032% | 2,329 |
| Return on assets (ROA) | 1.0032% | 2,459 |
| Pretax return on assets | 1.2727% | 2,147 |
| Return on Equity (ROE) | 9.8266% | 2,078 |
| Retained earnings to average equity (ytd only) | 9.1601% | 944 |
| Net charge-offs to loans | 0.2993% | 527 |
| Credit loss provision to net charge-offs | 133.0716% | 2,431 |
| Earnings coverage of net charge-offs (x) | 6.2269% | 2,668 |
| Efficiency ratio | 59.1739% | 3,499 |
| Assets per employee ($millions) | 6.1164% | 2,163 |
| Cash dividends to net income (ytd only)* | 6.7827% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2727% | 2,279 |
| Loan loss allowance to noncurrent loans | 219.7716% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.6679% | 1,724 |
| Noncurrent loans to loans | 0.5791% | 2,347 |
| Net loans and leases to total assets | 84.5821% | 234 |
| Net loans and leases to deposits | 99.1089% | 571 |
| Net loans and leases to core deposits | 110.5089% | 681 |
| Total domestic deposits to total assets | 85.3426% | 2,309 |
| Equity capital to assets | 10.0317% | 3,201 |
| Core capital (leverage) ratio | 10.1298% | 2,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4916% | 1,660 |
| Memoranda: | ||
| Average total assets | $587,826,000 | 1,333 |
| Average earning assets | $561,054,250 | 1,306 |
| Average equity | $60,012,250 | 1,435 |
| Average total loans | $510,548,250 | 1,109 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5036% | 336 |
| Cost of funding earning assets | 1.5017% | 164 |
| Net interest margin | 4.0019% | 1,317 |
| Noninterest income to average assets | 0.2322% | 4,088 |
| Noninterest expense to average assets | 2.3376% | 3,435 |
| Loan and lease loss provision to assets | 0.4067% | 989 |
| Net operating income to assets | 1.0311% | 2,216 |
| Return on assets (ROA) | 1.0311% | 2,349 |
| Pretax return on assets | 1.3066% | 2,009 |
| Return on Equity (ROE) | 10.0372% | 1,972 |
| Retained earnings to average equity (ytd only) | 10.0372% | 783 |
| Net charge-offs to loans | 0.4176% | 382 |
| Credit loss provision to net charge-offs | 111.5859% | 2,331 |
| Earnings coverage of net charge-offs (x) | 4.7009% | 2,576 |
| Efficiency ratio | 57.7068% | 3,732 |
| Assets per employee ($millions) | 6.0646% | 2,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2486% | 2,264 |
| Loan loss allowance to noncurrent loans | 216.7615% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.6671% | 1,841 |
| Noncurrent loans to loans | 0.5760% | 2,428 |
| Net loans and leases to total assets | 85.3461% | 168 |
| Net loans and leases to deposits | 101.2168% | 482 |
| Net loans and leases to core deposits | 113.3730% | 617 |
| Total domestic deposits to total assets | 84.3202% | 2,628 |
| Equity capital to assets | 10.1418% | 3,077 |
| Core capital (leverage) ratio | 10.2402% | 2,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5957% | 1,602 |
| Memoranda: | ||
| Average total assets | $577,847,667 | 1,334 |
| Average earning assets | $551,386,000 | 1,308 |
| Average equity | $59,359,000 | 1,435 |
| Average total loans | $504,314,000 | 1,109 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3836% | 472 |
| Cost of funding earning assets | 1.5966% | 193 |
| Net interest margin | 3.7870% | 2,029 |
| Noninterest income to average assets | 0.2909% | 3,785 |
| Noninterest expense to average assets | 2.3489% | 3,660 |
| Loan and lease loss provision to assets | 0.3565% | 867 |
| Net operating income to assets | 0.9503% | 2,349 |
| Return on assets (ROA) | 0.9503% | 2,449 |
| Pretax return on assets | 1.2009% | 2,194 |
| Return on Equity (ROE) | 9.1888% | 2,030 |
| Retained earnings to average equity (ytd only) | 9.1888% | 919 |
| Net charge-offs to loans | 0.3702% | 388 |
| Credit loss provision to net charge-offs | 109.7826% | 1,758 |
| Earnings coverage of net charge-offs (x) | 4.7957% | 2,115 |
| Efficiency ratio | 60.1301% | 3,722 |
| Assets per employee ($millions) | 5.8903% | 1,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2965% | 2,167 |
| Loan loss allowance to noncurrent loans | 149.9649% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.9399% | 1,418 |
| Noncurrent loans to loans | 0.8645% | 1,887 |
| Net loans and leases to total assets | 85.3047% | 181 |
| Net loans and leases to deposits | 101.9561% | 448 |
| Net loans and leases to core deposits | 115.3957% | 611 |
| Total domestic deposits to total assets | 83.6681% | 2,898 |
| Equity capital to assets | 10.3826% | 3,438 |
| Core capital (leverage) ratio | 10.4966% | 2,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2090% | 1,842 |
| Memoranda: | ||
| Average total assets | $566,574,000 | 1,317 |
| Average earning assets | $540,897,000 | 1,286 |
| Average equity | $58,593,000 | 1,445 |
| Average total loans | $497,024,500 | 1,101 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5054% | 557 |
| Cost of funding earning assets | 1.5675% | 332 |
| Net interest margin | 3.9378% | 2,038 |
| Noninterest income to average assets | 0.2701% | 4,062 |
| Noninterest expense to average assets | 2.3615% | 3,801 |
| Loan and lease loss provision to assets | 0.2459% | 758 |
| Net operating income to assets | 1.1244% | 2,354 |
| Return on assets (ROA) | 1.1244% | 2,454 |
| Pretax return on assets | 1.4225% | 2,076 |
| Return on Equity (ROE) | 11.1303% | 1,831 |
| Retained earnings to average equity (ytd only) | 8.8768% | 740 |
| Net charge-offs to loans | 0.3820% | 513 |
| Credit loss provision to net charge-offs | 72.5416% | 2,879 |
| Earnings coverage of net charge-offs (x) | 4.9226% | 3,152 |
| Efficiency ratio | 58.6000% | 3,900 |
| Assets per employee ($millions) | 5.8519% | 1,755 |
| Cash dividends to net income (ytd only)* | 20.2462% | 3,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 2,065 |
| Loan loss allowance to noncurrent loans | 117.3343% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 0.9917% | 1,257 |
| Noncurrent loans to loans | 1.0829% | 1,395 |
| Net loans and leases to total assets | 87.9146% | 86 |
| Net loans and leases to deposits | 105.0284% | 335 |
| Net loans and leases to core deposits | 118.9522% | 506 |
| Total domestic deposits to total assets | 83.7056% | 2,949 |
| Equity capital to assets | 10.3000% | 3,628 |
| Core capital (leverage) ratio | 10.2546% | 3,239 |
| Tier 1 risk-based capital ratio | 13.6744% | 3,425 |
| Total risk-based capital ratio | 14.9275% | 3,325 |
| Memoranda: | ||
| Average total assets | $549,096,600 | 1,308 |
| Average earning assets | $524,271,400 | 1,282 |
| Average equity | $55,470,200 | 1,463 |
| Average total loans | $487,191,200 | 1,103 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4485% | 642 |
| Cost of funding earning assets | 1.5458% | 351 |
| Net interest margin | 3.9027% | 2,243 |
| Noninterest income to average assets | 0.2774% | 4,089 |
| Noninterest expense to average assets | 2.3820% | 3,738 |
| Loan and lease loss provision to assets | 0.1343% | 1,431 |
| Net operating income to assets | 1.1742% | 2,286 |
| Return on assets (ROA) | 1.1742% | 2,366 |
| Pretax return on assets | 1.4854% | 2,002 |
| Return on Equity (ROE) | 11.6827% | 1,724 |
| Retained earnings to average equity (ytd only) | 10.4678% | 636 |
| Net charge-offs to loans | 0.0069% | 3,128 |
| Credit loss provision to net charge-offs | 2,200.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 265.3000% | 349 |
| Efficiency ratio | 59.5240% | 3,725 |
| Assets per employee ($millions) | 5.8231% | 1,741 |
| Cash dividends to net income (ytd only)* | 10.3993% | 3,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4765% | 1,317 |
| Loan loss allowance to noncurrent loans | 231.8282% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.6204% | 2,147 |
| Noncurrent loans to loans | 0.6369% | 2,378 |
| Net loans and leases to total assets | 88.2493% | 84 |
| Net loans and leases to deposits | 105.5683% | 339 |
| Net loans and leases to core deposits | 118.1993% | 593 |
| Total domestic deposits to total assets | 83.5945% | 2,968 |
| Equity capital to assets | 10.2387% | 3,785 |
| Core capital (leverage) ratio | 10.1974% | 3,430 |
| Tier 1 risk-based capital ratio | 13.7386% | 3,457 |
| Total risk-based capital ratio | 14.9952% | 3,361 |
| Memoranda: | ||
| Average total assets | $545,924,000 | 1,319 |
| Average earning assets | $520,958,000 | 1,289 |
| Average equity | $54,871,750 | 1,476 |
| Average total loans | $483,926,750 | 1,112 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3677% | 716 |
| Cost of funding earning assets | 1.5059% | 376 |
| Net interest margin | 3.8618% | 2,362 |
| Noninterest income to average assets | 0.2770% | 4,083 |
| Noninterest expense to average assets | 2.3820% | 3,785 |
| Loan and lease loss provision to assets | 0.1200% | 1,560 |
| Net operating income to assets | 1.1541% | 2,313 |
| Return on assets (ROA) | 1.1541% | 2,384 |
| Pretax return on assets | 1.4610% | 1,987 |
| Return on Equity (ROE) | 11.5562% | 1,759 |
| Retained earnings to average equity (ytd only) | 9.7072% | 840 |
| Net charge-offs to loans | 0.0100% | 2,770 |
| Credit loss provision to net charge-offs | 1,354.1667% | 269 |
| Earnings coverage of net charge-offs (x) | 178.3750% | 425 |
| Efficiency ratio | 60.1062% | 3,712 |
| Assets per employee ($millions) | 5.8075% | 1,691 |
| Cash dividends to net income (ytd only)* | 16.0000% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4621% | 1,381 |
| Loan loss allowance to noncurrent loans | 161.8284% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.8535% | 1,643 |
| Noncurrent loans to loans | 0.9035% | 1,811 |
| Net loans and leases to total assets | 87.5722% | 130 |
| Net loans and leases to deposits | 104.5418% | 399 |
| Net loans and leases to core deposits | 118.3258% | 592 |
| Total domestic deposits to total assets | 83.7677% | 2,961 |
| Equity capital to assets | 10.0720% | 3,918 |
| Core capital (leverage) ratio | 10.1345% | 3,469 |
| Tier 1 risk-based capital ratio | 13.5770% | 3,535 |
| Total risk-based capital ratio | 14.8334% | 3,434 |
| Memoranda: | ||
| Average total assets | $541,560,670 | 1,329 |
| Average earning assets | $516,904,670 | 1,298 |
| Average equity | $54,083,670 | 1,487 |
| Average total loans | $478,329,330 | 1,123 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2882% | 774 |
| Cost of funding earning assets | 1.4510% | 384 |
| Net interest margin | 3.8372% | 2,385 |
| Noninterest income to average assets | 0.2826% | 3,986 |
| Noninterest expense to average assets | 2.3322% | 3,943 |
| Loan and lease loss provision to assets | 0.1305% | 1,337 |
| Net operating income to assets | 1.1713% | 2,170 |
| Return on assets (ROA) | 1.1713% | 2,227 |
| Pretax return on assets | 1.4815% | 1,833 |
| Return on Equity (ROE) | 11.7807% | 1,619 |
| Retained earnings to average equity (ytd only) | 8.0313% | 1,649 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1304% | 3,935 |
| Assets per employee ($millions) | 5.7599% | 1,740 |
| Cash dividends to net income (ytd only)* | 31.8269% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4817% | 1,391 |
| Loan loss allowance to noncurrent loans | 249.3097% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.5733% | 2,350 |
| Noncurrent loans to loans | 0.5943% | 2,559 |
| Net loans and leases to total assets | 86.4942% | 160 |
| Net loans and leases to deposits | 103.2573% | 432 |
| Net loans and leases to core deposits | 116.8929% | 620 |
| Total domestic deposits to total assets | 83.7656% | 3,126 |
| Equity capital to assets | 9.9591% | 3,864 |
| Core capital (leverage) ratio | 10.0093% | 3,596 |
| Tier 1 risk-based capital ratio | 13.5269% | 3,591 |
| Total risk-based capital ratio | 14.7833% | 3,502 |
| Memoranda: | ||
| Average total assets | $536,487,000 | 1,347 |
| Average earning assets | $511,935,000 | 1,312 |
| Average equity | $53,341,500 | 1,490 |
| Average total loans | $472,338,000 | 1,136 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3325% | 549 |
| Cost of funding earning assets | 1.2451% | 279 |
| Net interest margin | 4.0874% | 1,724 |
| Noninterest income to average assets | 0.2726% | 4,277 |
| Noninterest expense to average assets | 2.4749% | 3,686 |
| Loan and lease loss provision to assets | 0.1999% | 947 |
| Net operating income to assets | 1.1851% | 2,239 |
| Return on assets (ROA) | 1.1851% | 2,236 |
| Pretax return on assets | 1.4990% | 1,787 |
| Return on Equity (ROE) | 12.2658% | 1,622 |
| Retained earnings to average equity (ytd only) | 9.0984% | 827 |
| Net charge-offs to loans | 0.0626% | 2,230 |
| Credit loss provision to net charge-offs | 351.8519% | 906 |
| Earnings coverage of net charge-offs (x) | 29.9057% | 1,606 |
| Efficiency ratio | 59.2961% | 3,970 |
| Assets per employee ($millions) | 5.5952% | 1,871 |
| Cash dividends to net income (ytd only)* | 25.8231% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4634% | 1,405 |
| Loan loss allowance to noncurrent loans | 314.3249% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.4636% | 2,708 |
| Noncurrent loans to loans | 0.4656% | 2,881 |
| Net loans and leases to total assets | 87.0031% | 167 |
| Net loans and leases to deposits | 103.8013% | 487 |
| Net loans and leases to core deposits | 118.5049% | 599 |
| Total domestic deposits to total assets | 83.8169% | 3,055 |
| Equity capital to assets | 9.9261% | 3,743 |
| Core capital (leverage) ratio | 9.9457% | 3,651 |
| Tier 1 risk-based capital ratio | 13.5225% | 3,535 |
| Total risk-based capital ratio | 14.7789% | 3,438 |
| Memoranda: | ||
| Average total assets | $522,807,800 | 1,345 |
| Average earning assets | $498,992,800 | 1,316 |
| Average equity | $50,514,600 | 1,507 |
| Average total loans | $474,552,000 | 1,100 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3045% | 521 |
| Cost of funding earning assets | 1.2072% | 241 |
| Net interest margin | 4.0972% | 1,638 |
| Noninterest income to average assets | 0.2994% | 4,148 |
| Noninterest expense to average assets | 2.5064% | 3,574 |
| Loan and lease loss provision to assets | 0.2100% | 806 |
| Net operating income to assets | 1.1788% | 2,324 |
| Return on assets (ROA) | 1.1788% | 2,328 |
| Pretax return on assets | 1.4933% | 1,920 |
| Return on Equity (ROE) | 12.2860% | 1,685 |
| Retained earnings to average equity (ytd only) | 10.1507% | 876 |
| Net charge-offs to loans | 0.0709% | 1,824 |
| Credit loss provision to net charge-offs | 324.1107% | 967 |
| Earnings coverage of net charge-offs (x) | 26.2889% | 1,750 |
| Efficiency ratio | 59.5389% | 3,876 |
| Assets per employee ($millions) | 5.5449% | 1,873 |
| Cash dividends to net income (ytd only)* | 17.3800% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 1,706 |
| Loan loss allowance to noncurrent loans | 388.3275% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.3598% | 3,234 |
| Noncurrent loans to loans | 0.3602% | 3,358 |
| Net loans and leases to total assets | 88.5524% | 124 |
| Net loans and leases to deposits | 105.6132% | 458 |
| Net loans and leases to core deposits | 121.6128% | 527 |
| Total domestic deposits to total assets | 83.8460% | 2,997 |
| Equity capital to assets | 9.7520% | 3,869 |
| Core capital (leverage) ratio | 9.7894% | 3,854 |
| Tier 1 risk-based capital ratio | 13.0978% | 3,848 |
| Total risk-based capital ratio | 14.3532% | 3,757 |
| Memoranda: | ||
| Average total assets | $520,622,750 | 1,352 |
| Average earning assets | $496,878,250 | 1,320 |
| Average equity | $49,952,750 | 1,527 |
| Average total loans | $475,857,250 | 1,093 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2434% | 516 |
| Cost of funding earning assets | 1.1655% | 213 |
| Net interest margin | 4.0778% | 1,620 |
| Noninterest income to average assets | 0.3038% | 4,141 |
| Noninterest expense to average assets | 2.5162% | 3,588 |
| Loan and lease loss provision to assets | 0.1742% | 1,053 |
| Net operating income to assets | 1.1933% | 2,228 |
| Return on assets (ROA) | 1.1933% | 2,229 |
| Pretax return on assets | 1.5107% | 1,774 |
| Return on Equity (ROE) | 12.5071% | 1,542 |
| Retained earnings to average equity (ytd only) | 10.4787% | 796 |
| Net charge-offs to loans | 0.1014% | 1,337 |
| Credit loss provision to net charge-offs | 186.7220% | 1,367 |
| Earnings coverage of net charge-offs (x) | 18.0622% | 1,924 |
| Efficiency ratio | 59.8950% | 3,954 |
| Assets per employee ($millions) | 5.3395% | 2,056 |
| Cash dividends to net income (ytd only)* | 16.2180% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3118% | 2,109 |
| Loan loss allowance to noncurrent loans | 330.6165% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.4357% | 2,980 |
| Noncurrent loans to loans | 0.3968% | 3,268 |
| Net loans and leases to total assets | 90.0586% | 71 |
| Net loans and leases to deposits | 107.2691% | 381 |
| Net loans and leases to core deposits | 122.0882% | 517 |
| Total domestic deposits to total assets | 83.9557% | 3,083 |
| Equity capital to assets | 9.5920% | 4,010 |
| Core capital (leverage) ratio | 9.6302% | 3,963 |
| Tier 1 risk-based capital ratio | 12.6523% | 4,092 |
| Total risk-based capital ratio | 13.9063% | 3,992 |
| Memoranda: | ||
| Average total assets | $516,726,000 | 1,368 |
| Average earning assets | $493,844,330 | 1,326 |
| Average equity | $49,300,000 | 1,548 |
| Average total loans | $475,122,000 | 1,099 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1401% | 549 |
| Cost of funding earning assets | 1.1011% | 228 |
| Net interest margin | 4.0389% | 1,600 |
| Noninterest income to average assets | 0.2545% | 4,477 |
| Noninterest expense to average assets | 2.5702% | 3,426 |
| Loan and lease loss provision to assets | 0.1762% | 987 |
| Net operating income to assets | 1.0854% | 2,494 |
| Return on assets (ROA) | 1.0854% | 2,513 |
| Pretax return on assets | 1.3744% | 2,086 |
| Return on Equity (ROE) | 11.4079% | 1,802 |
| Retained earnings to average equity (ytd only) | 7.2925% | 2,152 |
| Net charge-offs to loans | 0.2613% | 591 |
| Credit loss provision to net charge-offs | 73.0519% | 1,806 |
| Earnings coverage of net charge-offs (x) | 6.4286% | 2,160 |
| Efficiency ratio | 62.3717% | 3,722 |
| Assets per employee ($millions) | 5.3486% | 2,091 |
| Cash dividends to net income (ytd only)* | 36.0750% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2716% | 2,392 |
| Loan loss allowance to noncurrent loans | 223.0599% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.5809% | 2,585 |
| Noncurrent loans to loans | 0.5701% | 2,835 |
| Net loans and leases to total assets | 89.4076% | 77 |
| Net loans and leases to deposits | 107.3998% | 328 |
| Net loans and leases to core deposits | 129.0695% | 358 |
| Total domestic deposits to total assets | 83.2474% | 3,593 |
| Equity capital to assets | 9.3514% | 4,229 |
| Core capital (leverage) ratio | 9.5867% | 3,975 |
| Tier 1 risk-based capital ratio | 12.3441% | 4,347 |
| Total risk-based capital ratio | 13.5973% | 4,237 |
| Memoranda: | ||
| Average total assets | $510,786,000 | 1,399 |
| Average earning assets | $488,944,500 | 1,351 |
| Average equity | $48,598,000 | 1,568 |
| Average total loans | $471,491,500 | 1,119 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1015% | 529 |
| Cost of funding earning assets | 1.0049% | 206 |
| Net interest margin | 4.0966% | 1,454 |
| Noninterest income to average assets | 0.2427% | 4,681 |
| Noninterest expense to average assets | 2.4640% | 3,901 |
| Loan and lease loss provision to assets | 0.3439% | 467 |
| Net operating income to assets | 0.7726% | 3,290 |
| Return on assets (ROA) | 0.7726% | 3,331 |
| Pretax return on assets | 1.3351% | 2,231 |
| Return on Equity (ROE) | 8.1280% | 2,735 |
| Retained earnings to average equity (ytd only) | 3.9209% | 2,851 |
| Net charge-offs to loans | 0.5435% | 430 |
| Credit loss provision to net charge-offs | 69.9471% | 3,087 |
| Earnings coverage of net charge-offs (x) | 3.4148% | 3,611 |
| Efficiency ratio | 59.4739% | 4,342 |
| Assets per employee ($millions) | 5.0757% | 2,391 |
| Cash dividends to net income (ytd only)* | 51.7598% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 2,183 |
| Loan loss allowance to noncurrent loans | 64.5124% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 1.9406% | 596 |
| Noncurrent loans to loans | 2.0254% | 751 |
| Net loans and leases to total assets | 92.9188% | 22 |
| Net loans and leases to deposits | 111.1073% | 241 |
| Net loans and leases to core deposits | 134.9289% | 272 |
| Total domestic deposits to total assets | 83.6297% | 3,344 |
| Equity capital to assets | 9.6861% | 4,046 |
| Core capital (leverage) ratio | 9.5555% | 3,973 |
| Tier 1 risk-based capital ratio | 12.3182% | 4,318 |
| Total risk-based capital ratio | 13.5721% | 4,225 |
| Memoranda: | ||
| Average total assets | $500,124,800 | 1,402 |
| Average earning assets | $476,153,000 | 1,364 |
| Average equity | $47,539,600 | 1,579 |
| Average total loans | $452,436,600 | 1,125 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0773% | 527 |
| Cost of funding earning assets | 0.9900% | 206 |
| Net interest margin | 4.0873% | 1,423 |
| Noninterest income to average assets | 0.2029% | 5,000 |
| Noninterest expense to average assets | 2.4121% | 3,988 |
| Loan and lease loss provision to assets | 0.3741% | 388 |
| Net operating income to assets | 0.8990% | 3,034 |
| Return on assets (ROA) | 0.9001% | 3,082 |
| Pretax return on assets | 1.2883% | 2,551 |
| Return on Equity (ROE) | 9.5144% | 2,343 |
| Retained earnings to average equity (ytd only) | 5.2933% | 2,693 |
| Net charge-offs to loans | 0.4394% | 476 |
| Credit loss provision to net charge-offs | 95.0609% | 2,389 |
| Earnings coverage of net charge-offs (x) | 4.2206% | 3,254 |
| Efficiency ratio | 59.2234% | 4,325 |
| Assets per employee ($millions) | 5.2632% | 2,160 |
| Cash dividends to net income (ytd only)* | 44.3655% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5275% | 1,443 |
| Loan loss allowance to noncurrent loans | 78.1952% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 1.7094% | 839 |
| Noncurrent loans to loans | 1.9534% | 877 |
| Net loans and leases to total assets | 85.6787% | 275 |
| Net loans and leases to deposits | 102.6350% | 571 |
| Net loans and leases to core deposits | 124.9691% | 434 |
| Total domestic deposits to total assets | 83.4790% | 3,295 |
| Equity capital to assets | 9.4542% | 4,485 |
| Core capital (leverage) ratio | 9.4327% | 4,252 |
| Tier 1 risk-based capital ratio | 13.0969% | 3,947 |
| Total risk-based capital ratio | 14.3543% | 3,848 |
| Memoranda: | ||
| Average total assets | $500,802,500 | 1,410 |
| Average earning assets | $474,173,250 | 1,383 |
| Average equity | $47,379,500 | 1,600 |
| Average total loans | $448,468,250 | 1,136 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0599% | 515 |
| Cost of funding earning assets | 0.9514% | 223 |
| Net interest margin | 4.1086% | 1,305 |
| Noninterest income to average assets | 0.1335% | 5,385 |
| Noninterest expense to average assets | 2.4098% | 4,026 |
| Loan and lease loss provision to assets | 0.4422% | 280 |
| Net operating income to assets | 0.8586% | 3,120 |
| Return on assets (ROA) | 0.8586% | 3,170 |
| Pretax return on assets | 1.1874% | 2,814 |
| Return on Equity (ROE) | 9.0731% | 2,473 |
| Retained earnings to average equity (ytd only) | 4.8254% | 2,829 |
| Net charge-offs to loans | 0.6406% | 305 |
| Credit loss provision to net charge-offs | 76.3359% | 2,304 |
| Earnings coverage of net charge-offs (x) | 2.8133% | 3,121 |
| Efficiency ratio | 59.6577% | 4,369 |
| Assets per employee ($millions) | 5.0909% | 2,285 |
| Cash dividends to net income (ytd only)* | 46.8165% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4639% | 1,706 |
| Loan loss allowance to noncurrent loans | 73.7050% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 1.7643% | 793 |
| Noncurrent loans to loans | 1.9861% | 849 |
| Net loans and leases to total assets | 87.0389% | 200 |
| Net loans and leases to deposits | 104.7744% | 454 |
| Net loans and leases to core deposits | 125.8115% | 399 |
| Total domestic deposits to total assets | 83.0727% | 3,542 |
| Equity capital to assets | 9.4303% | 4,484 |
| Core capital (leverage) ratio | 9.3892% | 4,242 |
| Tier 1 risk-based capital ratio | 12.7975% | 4,121 |
| Total risk-based capital ratio | 14.0537% | 4,028 |
| Memoranda: | ||
| Average total assets | $497,561,330 | 1,419 |
| Average earning assets | $473,011,670 | 1,390 |
| Average equity | $47,084,000 | 1,613 |
| Average total loans | $449,892,000 | 1,134 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1108% | 436 |
| Cost of funding earning assets | 0.9102% | 265 |
| Net interest margin | 4.2007% | 991 |
| Noninterest income to average assets | 0.3123% | 4,316 |
| Noninterest expense to average assets | 2.3360% | 4,306 |
| Loan and lease loss provision to assets | 0.1821% | 944 |
| Net operating income to assets | 1.1935% | 1,519 |
| Return on assets (ROA) | 1.1935% | 1,562 |
| Pretax return on assets | 1.7939% | 814 |
| Return on Equity (ROE) | 12.5903% | 1,088 |
| Retained earnings to average equity (ytd only) | 8.3224% | 1,337 |
| Net charge-offs to loans | 0.0363% | 2,062 |
| Credit loss provision to net charge-offs | 548.7805% | 541 |
| Earnings coverage of net charge-offs (x) | 59.5610% | 807 |
| Efficiency ratio | 54.1753% | 5,111 |
| Assets per employee ($millions) | 5.1558% | 2,233 |
| Cash dividends to net income (ytd only)* | 33.8983% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5567% | 1,493 |
| Loan loss allowance to noncurrent loans | 193.7810% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.9386% | 1,960 |
| Noncurrent loans to loans | 0.8033% | 2,445 |
| Net loans and leases to total assets | 89.0464% | 82 |
| Net loans and leases to deposits | 108.0104% | 261 |
| Net loans and leases to core deposits | 128.6484% | 281 |
| Total domestic deposits to total assets | 82.4424% | 4,043 |
| Equity capital to assets | 9.4688% | 4,310 |
| Core capital (leverage) ratio | 9.6374% | 3,945 |
| Tier 1 risk-based capital ratio | 12.5631% | 4,351 |
| Total risk-based capital ratio | 13.8207% | 4,252 |
| Memoranda: | ||
| Average total assets | $494,341,500 | 1,434 |
| Average earning assets | $470,689,000 | 1,403 |
| Average equity | $46,861,500 | 1,619 |
| Average total loans | $452,241,000 | 1,122 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1166% | 487 |
| Cost of funding earning assets | 0.9356% | 244 |
| Net interest margin | 4.1811% | 1,162 |
| Noninterest income to average assets | 0.3191% | 4,457 |
| Noninterest expense to average assets | 2.2847% | 4,590 |
| Loan and lease loss provision to assets | 0.1729% | 1,404 |
| Net operating income to assets | 1.2311% | 1,405 |
| Return on assets (ROA) | 1.2310% | 1,497 |
| Pretax return on assets | 1.8381% | 719 |
| Return on Equity (ROE) | 13.1877% | 953 |
| Retained earnings to average equity (ytd only) | 9.8120% | 442 |
| Net charge-offs to loans | 0.0680% | 2,722 |
| Credit loss provision to net charge-offs | 278.9831% | 1,045 |
| Earnings coverage of net charge-offs (x) | 32.4542% | 1,361 |
| Efficiency ratio | 53.1834% | 5,303 |
| Assets per employee ($millions) | 5.6158% | 1,770 |
| Cash dividends to net income (ytd only)* | 25.5973% | 3,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5169% | 1,610 |
| Loan loss allowance to noncurrent loans | 217.0940% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.8635% | 2,191 |
| Noncurrent loans to loans | 0.6987% | 2,797 |
| Net loans and leases to total assets | 91.1332% | 45 |
| Net loans and leases to deposits | 108.0648% | 272 |
| Net loans and leases to core deposits | 127.4550% | 316 |
| Total domestic deposits to total assets | 84.3320% | 3,299 |
| Equity capital to assets | 9.4907% | 4,278 |
| Core capital (leverage) ratio | 9.3657% | 4,264 |
| Tier 1 risk-based capital ratio | 12.3944% | 4,447 |
| Total risk-based capital ratio | 13.6516% | 4,327 |
| Memoranda: | ||
| Average total assets | $476,035,600 | 1,440 |
| Average earning assets | $452,778,600 | 1,413 |
| Average equity | $44,435,200 | 1,676 |
| Average total loans | $433,767,400 | 1,125 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0930% | 505 |
| Cost of funding earning assets | 0.9303% | 249 |
| Net interest margin | 4.1627% | 1,219 |
| Noninterest income to average assets | 0.3682% | 4,141 |
| Noninterest expense to average assets | 2.2488% | 4,650 |
| Loan and lease loss provision to assets | 0.1689% | 1,348 |
| Net operating income to assets | 1.2611% | 1,417 |
| Return on assets (ROA) | 1.2611% | 1,517 |
| Pretax return on assets | 1.9093% | 694 |
| Return on Equity (ROE) | 13.5691% | 899 |
| Retained earnings to average equity (ytd only) | 10.5355% | 483 |
| Net charge-offs to loans | -0.0109% | 4,795 |
| Credit loss provision to net charge-offs | -1,711.4286% | 5,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9711% | 5,388 |
| Assets per employee ($millions) | 5.4592% | 1,893 |
| Cash dividends to net income (ytd only)* | 22.3564% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5591% | 1,593 |
| Loan loss allowance to noncurrent loans | 220.8373% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.8665% | 2,388 |
| Noncurrent loans to loans | 0.7060% | 2,920 |
| Net loans and leases to total assets | 90.4850% | 60 |
| Net loans and leases to deposits | 108.2639% | 303 |
| Net loans and leases to core deposits | 128.2437% | 325 |
| Total domestic deposits to total assets | 83.5782% | 3,364 |
| Equity capital to assets | 9.3762% | 4,783 |
| Core capital (leverage) ratio | 9.3321% | 4,419 |
| Tier 1 risk-based capital ratio | 12.3330% | 4,585 |
| Total risk-based capital ratio | 13.5910% | 4,483 |
| Memoranda: | ||
| Average total assets | $472,900,750 | 1,448 |
| Average earning assets | $449,728,000 | 1,420 |
| Average equity | $43,951,750 | 1,699 |
| Average total loans | $429,181,250 | 1,140 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0710% | 512 |
| Cost of funding earning assets | 0.9260% | 255 |
| Net interest margin | 4.1451% | 1,247 |
| Noninterest income to average assets | 0.3534% | 4,246 |
| Noninterest expense to average assets | 2.2250% | 4,787 |
| Loan and lease loss provision to assets | 0.1596% | 1,426 |
| Net operating income to assets | 1.2591% | 1,395 |
| Return on assets (ROA) | 1.2591% | 1,512 |
| Pretax return on assets | 1.9066% | 686 |
| Return on Equity (ROE) | 13.5891% | 907 |
| Retained earnings to average equity (ytd only) | 11.2859% | 405 |
| Net charge-offs to loans | -0.0222% | 4,990 |
| Credit loss provision to net charge-offs | -795.7447% | 5,039 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8500% | 5,451 |
| Assets per employee ($millions) | 5.5886% | 1,709 |
| Cash dividends to net income (ytd only)* | 16.9492% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5472% | 1,688 |
| Loan loss allowance to noncurrent loans | 229.0027% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.8326% | 2,510 |
| Noncurrent loans to loans | 0.6756% | 3,043 |
| Net loans and leases to total assets | 90.4350% | 59 |
| Net loans and leases to deposits | 108.3304% | 294 |
| Net loans and leases to core deposits | 129.0404% | 314 |
| Total domestic deposits to total assets | 83.4807% | 3,475 |
| Equity capital to assets | 9.3770% | 4,887 |
| Core capital (leverage) ratio | 9.3254% | 4,423 |
| Tier 1 risk-based capital ratio | 12.3453% | 4,619 |
| Total risk-based capital ratio | 13.6031% | 4,536 |
| Memoranda: | ||
| Average total assets | $468,579,000 | 1,467 |
| Average earning assets | $445,157,330 | 1,440 |
| Average equity | $43,417,000 | 1,721 |
| Average total loans | $423,375,330 | 1,151 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0634% | 520 |
| Cost of funding earning assets | 0.9164% | 270 |
| Net interest margin | 4.1470% | 1,222 |
| Noninterest income to average assets | 0.3679% | 4,091 |
| Noninterest expense to average assets | 2.1756% | 4,965 |
| Loan and lease loss provision to assets | 0.1281% | 1,663 |
| Net operating income to assets | 1.3272% | 1,193 |
| Return on assets (ROA) | 1.3272% | 1,275 |
| Pretax return on assets | 2.0045% | 560 |
| Return on Equity (ROE) | 14.4119% | 761 |
| Retained earnings to average equity (ytd only) | 14.4119% | 289 |
| Net charge-offs to loans | -0.0604% | 5,419 |
| Credit loss provision to net charge-offs | -236.5079% | 4,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4988% | 5,600 |
| Assets per employee ($millions) | 5.5583% | 1,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5494% | 1,787 |
| Loan loss allowance to noncurrent loans | 237.2009% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.7876% | 2,727 |
| Noncurrent loans to loans | 0.6532% | 3,213 |
| Net loans and leases to total assets | 86.9620% | 168 |
| Net loans and leases to deposits | 103.6794% | 429 |
| Net loans and leases to core deposits | 125.2317% | 349 |
| Total domestic deposits to total assets | 83.8759% | 3,567 |
| Equity capital to assets | 9.1285% | 5,058 |
| Core capital (leverage) ratio | 9.5045% | 4,190 |
| Tier 1 risk-based capital ratio | 12.4504% | 4,619 |
| Total risk-based capital ratio | 13.7081% | 4,518 |
| Memoranda: | ||
| Average total assets | $465,352,000 | 1,473 |
| Average earning assets | $442,152,000 | 1,446 |
| Average equity | $42,853,500 | 1,735 |
| Average total loans | $416,889,500 | 1,162 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2045% | 425 |
| Cost of funding earning assets | 0.9157% | 268 |
| Net interest margin | 4.2889% | 982 |
| Noninterest income to average assets | 0.3151% | 4,638 |
| Noninterest expense to average assets | 2.2531% | 4,916 |
| Loan and lease loss provision to assets | 0.2050% | 1,041 |
| Net operating income to assets | 1.2597% | 1,369 |
| Return on assets (ROA) | 1.2596% | 1,419 |
| Pretax return on assets | 1.9078% | 649 |
| Return on Equity (ROE) | 13.7686% | 893 |
| Retained earnings to average equity (ytd only) | 8.7836% | 708 |
| Net charge-offs to loans | 0.0407% | 3,408 |
| Credit loss provision to net charge-offs | 558.3851% | 597 |
| Earnings coverage of net charge-offs (x) | 57.5590% | 894 |
| Efficiency ratio | 51.6033% | 5,660 |
| Assets per employee ($millions) | 5.6587% | 1,649 |
| Cash dividends to net income (ytd only)* | 36.2056% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5381% | 1,833 |
| Loan loss allowance to noncurrent loans | 864.7541% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.3881% | 4,041 |
| Noncurrent loans to loans | 0.1779% | 4,781 |
| Net loans and leases to total assets | 89.5130% | 76 |
| Net loans and leases to deposits | 105.7403% | 375 |
| Net loans and leases to core deposits | 127.2821% | 310 |
| Total domestic deposits to total assets | 84.6536% | 3,235 |
| Equity capital to assets | 9.2937% | 4,799 |
| Core capital (leverage) ratio | 9.2150% | 4,588 |
| Tier 1 risk-based capital ratio | 12.2156% | 4,820 |
| Total risk-based capital ratio | 13.4728% | 4,712 |
| Memoranda: | ||
| Average total assets | $438,558,800 | 1,520 |
| Average earning assets | $414,234,000 | 1,488 |
| Average equity | $40,120,200 | 1,796 |
| Average total loans | $396,024,600 | 1,165 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2035% | 440 |
| Cost of funding earning assets | 0.9018% | 289 |
| Net interest margin | 4.3018% | 956 |
| Noninterest income to average assets | 0.2985% | 4,801 |
| Noninterest expense to average assets | 2.2300% | 4,967 |
| Loan and lease loss provision to assets | 0.2774% | 567 |
| Net operating income to assets | 1.2232% | 1,576 |
| Return on assets (ROA) | 1.2232% | 1,639 |
| Pretax return on assets | 1.8527% | 801 |
| Return on Equity (ROE) | 13.4264% | 1,020 |
| Retained earnings to average equity (ytd only) | 8.3802% | 1,096 |
| Net charge-offs to loans | 0.1017% | 2,124 |
| Credit loss provision to net charge-offs | 302.6756% | 956 |
| Earnings coverage of net charge-offs (x) | 23.2440% | 1,746 |
| Efficiency ratio | 51.1458% | 5,716 |
| Assets per employee ($millions) | 5.5559% | 1,730 |
| Cash dividends to net income (ytd only)* | 37.5846% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5440% | 1,989 |
| Loan loss allowance to noncurrent loans | 950.6135% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.4341% | 4,047 |
| Noncurrent loans to loans | 0.1624% | 4,998 |
| Net loans and leases to total assets | 85.7083% | 247 |
| Net loans and leases to deposits | 102.0185% | 544 |
| Net loans and leases to core deposits | 122.1299% | 421 |
| Total domestic deposits to total assets | 84.0126% | 3,418 |
| Equity capital to assets | 8.9090% | 5,389 |
| Core capital (leverage) ratio | 9.2026% | 4,723 |
| Tier 1 risk-based capital ratio | 12.1390% | 5,003 |
| Total risk-based capital ratio | 13.3962% | 4,901 |
| Memoranda: | ||
| Average total assets | $435,025,250 | 1,540 |
| Average earning assets | $410,736,500 | 1,509 |
| Average equity | $39,632,250 | 1,830 |
| Average total loans | $392,143,500 | 1,175 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1842% | 436 |
| Cost of funding earning assets | 0.8956% | 299 |
| Net interest margin | 4.2886% | 937 |
| Noninterest income to average assets | 0.1558% | 5,773 |
| Noninterest expense to average assets | 2.2439% | 4,993 |
| Loan and lease loss provision to assets | 0.3214% | 441 |
| Net operating income to assets | 1.0931% | 1,976 |
| Return on assets (ROA) | 1.0931% | 2,074 |
| Pretax return on assets | 1.6612% | 1,165 |
| Return on Equity (ROE) | 11.9033% | 1,397 |
| Retained earnings to average equity (ytd only) | 6.7946% | 1,794 |
| Net charge-offs to loans | 0.0329% | 3,005 |
| Credit loss provision to net charge-offs | 1,070.3125% | 332 |
| Earnings coverage of net charge-offs (x) | 66.0313% | 795 |
| Efficiency ratio | 53.0914% | 5,641 |
| Assets per employee ($millions) | 5.5460% | 1,698 |
| Cash dividends to net income (ytd only)* | 42.9185% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5391% | 2,119 |
| Loan loss allowance to noncurrent loans | 419.2308% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.6383% | 3,506 |
| Noncurrent loans to loans | 0.3671% | 4,391 |
| Net loans and leases to total assets | 89.5841% | 78 |
| Net loans and leases to deposits | 106.9884% | 339 |
| Net loans and leases to core deposits | 128.7228% | 291 |
| Total domestic deposits to total assets | 83.7326% | 3,675 |
| Equity capital to assets | 8.9941% | 5,239 |
| Core capital (leverage) ratio | 9.0877% | 4,839 |
| Tier 1 risk-based capital ratio | 11.5218% | 5,447 |
| Total risk-based capital ratio | 12.7784% | 5,365 |
| Memoranda: | ||
| Average total assets | $426,319,330 | 1,580 |
| Average earning assets | $404,651,670 | 1,538 |
| Average equity | $39,148,670 | 1,856 |
| Average total loans | $389,046,000 | 1,187 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1998% | 405 |
| Cost of funding earning assets | 0.8771% | 321 |
| Net interest margin | 4.3228% | 839 |
| Noninterest income to average assets | 0.3419% | 4,463 |
| Noninterest expense to average assets | 2.2268% | 5,079 |
| Loan and lease loss provision to assets | 0.2586% | 626 |
| Net operating income to assets | 1.2891% | 1,312 |
| Return on assets (ROA) | 1.2891% | 1,396 |
| Pretax return on assets | 1.9538% | 643 |
| Return on Equity (ROE) | 13.8868% | 903 |
| Retained earnings to average equity (ytd only) | 3.5697% | 3,858 |
| Net charge-offs to loans | 0.0566% | 2,196 |
| Credit loss provision to net charge-offs | 500.0000% | 534 |
| Earnings coverage of net charge-offs (x) | 42.7778% | 937 |
| Efficiency ratio | 50.1618% | 5,905 |
| Assets per employee ($millions) | 5.4619% | 1,825 |
| Cash dividends to net income (ytd only)* | 74.2942% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4791% | 2,539 |
| Loan loss allowance to noncurrent loans | 793.4426% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.6825% | 3,443 |
| Noncurrent loans to loans | 0.1864% | 5,112 |
| Net loans and leases to total assets | 89.6577% | 63 |
| Net loans and leases to deposits | 106.5582% | 293 |
| Net loans and leases to core deposits | 127.2782% | 282 |
| Total domestic deposits to total assets | 84.1397% | 3,765 |
| Equity capital to assets | 9.0291% | 5,251 |
| Core capital (leverage) ratio | 9.3139% | 4,547 |
| Tier 1 risk-based capital ratio | 11.4070% | 5,602 |
| Total risk-based capital ratio | 12.6627% | 5,507 |
| Memoranda: | ||
| Average total assets | $417,640,000 | 1,620 |
| Average earning assets | $395,859,000 | 1,577 |
| Average equity | $38,770,500 | 1,880 |
| Average total loans | $381,730,000 | 1,209 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3693% | 402 |
| Cost of funding earning assets | 0.9151% | 356 |
| Net interest margin | 4.4542% | 809 |
| Noninterest income to average assets | 0.1288% | 6,048 |
| Noninterest expense to average assets | 2.3847% | 4,885 |
| Loan and lease loss provision to assets | 0.2719% | 796 |
| Net operating income to assets | 1.0976% | 1,984 |
| Return on assets (ROA) | 1.0974% | 2,040 |
| Pretax return on assets | 1.6513% | 1,096 |
| Return on Equity (ROE) | 11.5047% | 1,556 |
| Retained earnings to average equity (ytd only) | 8.2776% | 921 |
| Net charge-offs to loans | 0.0751% | 3,413 |
| Credit loss provision to net charge-offs | 404.5802% | 637 |
| Earnings coverage of net charge-offs (x) | 28.6183% | 1,389 |
| Efficiency ratio | 55.3531% | 5,729 |
| Assets per employee ($millions) | 5.2440% | 2,021 |
| Cash dividends to net income (ytd only)* | 28.0505% | 3,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5081% | 2,438 |
| Loan loss allowance to noncurrent loans | 416.6915% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.7147% | 3,430 |
| Noncurrent loans to loans | 0.3619% | 4,570 |
| Net loans and leases to total assets | 90.4420% | 56 |
| Net loans and leases to deposits | 106.9410% | 323 |
| Net loans and leases to core deposits | 130.4283% | 238 |
| Total domestic deposits to total assets | 84.5719% | 3,471 |
| Equity capital to assets | 9.5548% | 4,649 |
| Core capital (leverage) ratio | 9.4923% | 4,251 |
| Tier 1 risk-based capital ratio | 12.2322% | 5,204 |
| Total risk-based capital ratio | 13.4886% | 5,109 |
| Memoranda: | ||
| Average total assets | $389,824,000 | 1,678 |
| Average earning assets | $365,764,800 | 1,647 |
| Average equity | $37,184,800 | 1,893 |
| Average total loans | $348,858,600 | 1,262 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3606% | 406 |
| Cost of funding earning assets | 0.9204% | 365 |
| Net interest margin | 4.4402% | 832 |
| Noninterest income to average assets | 0.4210% | 4,087 |
| Noninterest expense to average assets | 2.3899% | 4,863 |
| Loan and lease loss provision to assets | 0.2726% | 766 |
| Net operating income to assets | 1.2734% | 1,455 |
| Return on assets (ROA) | 1.2731% | 1,511 |
| Pretax return on assets | 1.9119% | 701 |
| Return on Equity (ROE) | 13.3526% | 1,128 |
| Retained earnings to average equity (ytd only) | 10.0950% | 681 |
| Net charge-offs to loans | 0.0439% | 3,621 |
| Credit loss provision to net charge-offs | 699.1150% | 433 |
| Earnings coverage of net charge-offs (x) | 56.0276% | 908 |
| Efficiency ratio | 52.2405% | 5,976 |
| Assets per employee ($millions) | 5.4411% | 1,780 |
| Cash dividends to net income (ytd only)* | 24.3969% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4983% | 2,719 |
| Loan loss allowance to noncurrent loans | 430.1101% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.9949% | 2,962 |
| Noncurrent loans to loans | 0.3484% | 4,858 |
| Net loans and leases to total assets | 89.3275% | 70 |
| Net loans and leases to deposits | 105.6930% | 338 |
| Net loans and leases to core deposits | 127.6409% | 260 |
| Total domestic deposits to total assets | 84.5160% | 3,543 |
| Equity capital to assets | 9.5110% | 4,785 |
| Core capital (leverage) ratio | 9.4619% | 4,424 |
| Tier 1 risk-based capital ratio | 12.2092% | 5,359 |
| Total risk-based capital ratio | 13.4653% | 5,270 |
| Memoranda: | ||
| Average total assets | $386,333,000 | 1,703 |
| Average earning assets | $361,417,750 | 1,679 |
| Average equity | $36,835,750 | 1,916 |
| Average total loans | $343,376,750 | 1,283 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3324% | 415 |
| Cost of funding earning assets | 0.9268% | 368 |
| Net interest margin | 4.4057% | 840 |
| Noninterest income to average assets | 0.4615% | 3,778 |
| Noninterest expense to average assets | 2.4432% | 4,760 |
| Loan and lease loss provision to assets | 0.2783% | 734 |
| Net operating income to assets | 1.2292% | 1,507 |
| Return on assets (ROA) | 1.2292% | 1,565 |
| Pretax return on assets | 1.8561% | 750 |
| Return on Equity (ROE) | 12.8806% | 1,206 |
| Retained earnings to average equity (ytd only) | 9.5793% | 823 |
| Net charge-offs to loans | 0.0422% | 3,379 |
| Credit loss provision to net charge-offs | 746.4789% | 434 |
| Earnings coverage of net charge-offs (x) | 57.2535% | 832 |
| Efficiency ratio | 53.3723% | 5,964 |
| Assets per employee ($millions) | 5.4780% | 1,714 |
| Cash dividends to net income (ytd only)* | 25.6301% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4930% | 2,934 |
| Loan loss allowance to noncurrent loans | 879.8995% | 571 |
| Noncurrent assets plus other real estate owned to assets | 1.1366% | 2,803 |
| Noncurrent loans to loans | 0.1697% | 5,501 |
| Net loans and leases to total assets | 86.6722% | 144 |
| Net loans and leases to deposits | 102.4495% | 423 |
| Net loans and leases to core deposits | 122.6194% | 325 |
| Total domestic deposits to total assets | 84.5999% | 3,687 |
| Equity capital to assets | 9.3172% | 4,964 |
| Core capital (leverage) ratio | 9.4641% | 4,379 |
| Tier 1 risk-based capital ratio | 12.1652% | 5,443 |
| Total risk-based capital ratio | 13.4210% | 5,355 |
| Memoranda: | ||
| Average total assets | $380,897,000 | 1,728 |
| Average earning assets | $355,859,670 | 1,700 |
| Average equity | $36,349,330 | 1,929 |
| Average total loans | $336,122,330 | 1,301 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3592% | 377 |
| Cost of funding earning assets | 0.9432% | 353 |
| Net interest margin | 4.4160% | 779 |
| Noninterest income to average assets | 0.5170% | 3,282 |
| Noninterest expense to average assets | 2.5224% | 4,543 |
| Loan and lease loss provision to assets | 0.2908% | 676 |
| Net operating income to assets | 1.2192% | 1,427 |
| Return on assets (ROA) | 1.2192% | 1,485 |
| Pretax return on assets | 1.8385% | 751 |
| Return on Equity (ROE) | 12.6147% | 1,256 |
| Retained earnings to average equity (ytd only) | 9.2716% | 1,165 |
| Net charge-offs to loans | 0.0353% | 2,897 |
| Credit loss provision to net charge-offs | 931.0345% | 335 |
| Earnings coverage of net charge-offs (x) | 68.1724% | 601 |
| Efficiency ratio | 54.2255% | 5,993 |
| Assets per employee ($millions) | 5.2229% | 1,987 |
| Cash dividends to net income (ytd only)* | 26.5018% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5112% | 3,095 |
| Loan loss allowance to noncurrent loans | 288.3734% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 1.2712% | 2,739 |
| Noncurrent loans to loans | 0.5241% | 4,602 |
| Net loans and leases to total assets | 84.9018% | 192 |
| Net loans and leases to deposits | 101.2953% | 389 |
| Net loans and leases to core deposits | 120.1346% | 325 |
| Total domestic deposits to total assets | 83.8162% | 4,338 |
| Equity capital to assets | 9.3969% | 4,635 |
| Core capital (leverage) ratio | 9.7306% | 3,955 |
| Tier 1 risk-based capital ratio | 12.3196% | 5,427 |
| Total risk-based capital ratio | 13.5754% | 5,350 |
| Memoranda: | ||
| Average total assets | $371,399,000 | 1,773 |
| Average earning assets | $347,735,500 | 1,728 |
| Average equity | $35,894,500 | 1,944 |
| Average total loans | $328,259,000 | 1,330 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5850% | 317 |
| Cost of funding earning assets | 1.0476% | 358 |
| Net interest margin | 4.5374% | 683 |
| Noninterest income to average assets | 0.2223% | 5,746 |
| Noninterest expense to average assets | 2.2100% | 5,603 |
| Loan and lease loss provision to assets | 0.2494% | 1,447 |
| Net operating income to assets | 1.4063% | 1,011 |
| Return on assets (ROA) | 1.4061% | 1,050 |
| Pretax return on assets | 2.0133% | 459 |
| Return on Equity (ROE) | 14.5175% | 849 |
| Retained earnings to average equity (ytd only) | 11.9873% | 320 |
| Net charge-offs to loans | 0.1688% | 3,132 |
| Credit loss provision to net charge-offs | 168.9453% | 1,350 |
| Earnings coverage of net charge-offs (x) | 15.3301% | 1,875 |
| Efficiency ratio | 49.4070% | 6,423 |
| Assets per employee ($millions) | 5.2398% | 1,914 |
| Cash dividends to net income (ytd only)* | 17.4287% | 3,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4826% | 3,270 |
| Loan loss allowance to noncurrent loans | 207.0842% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 1.5206% | 2,442 |
| Noncurrent loans to loans | 0.7160% | 4,171 |
| Net loans and leases to total assets | 89.4035% | 53 |
| Net loans and leases to deposits | 107.0019% | 235 |
| Net loans and leases to core deposits | 127.3572% | 225 |
| Total domestic deposits to total assets | 83.5532% | 4,337 |
| Equity capital to assets | 9.9552% | 3,832 |
| Core capital (leverage) ratio | 10.0297% | 3,520 |
| Tier 1 risk-based capital ratio | 12.3944% | 5,358 |
| Total risk-based capital ratio | 13.6497% | 5,295 |
| Memoranda: | ||
| Average total assets | $346,839,200 | 1,862 |
| Average earning assets | $324,924,600 | 1,823 |
| Average equity | $33,594,000 | 2,052 |
| Average total loans | $303,247,600 | 1,392 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5824% | 328 |
| Cost of funding earning assets | 1.0576% | 380 |
| Net interest margin | 4.5248% | 706 |
| Noninterest income to average assets | 0.4196% | 4,372 |
| Noninterest expense to average assets | 2.1532% | 5,714 |
| Loan and lease loss provision to assets | 0.2864% | 1,201 |
| Net operating income to assets | 1.4646% | 958 |
| Return on assets (ROA) | 1.4646% | 1,009 |
| Pretax return on assets | 2.2174% | 368 |
| Return on Equity (ROE) | 15.2309% | 765 |
| Retained earnings to average equity (ytd only) | 13.0171% | 330 |
| Net charge-offs to loans | 0.1516% | 3,027 |
| Credit loss provision to net charge-offs | 218.2891% | 1,113 |
| Earnings coverage of net charge-offs (x) | 19.0825% | 1,644 |
| Efficiency ratio | 46.2350% | 6,578 |
| Assets per employee ($millions) | 6.0000% | 1,242 |
| Cash dividends to net income (ytd only)* | 14.5350% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5794% | 3,104 |
| Loan loss allowance to noncurrent loans | 254.9763% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 1.6915% | 2,435 |
| Noncurrent loans to loans | 0.6194% | 4,657 |
| Net loans and leases to total assets | 85.2362% | 181 |
| Net loans and leases to deposits | 101.1339% | 422 |
| Net loans and leases to core deposits | 120.3041% | 316 |
| Total domestic deposits to total assets | 84.2805% | 4,071 |
| Equity capital to assets | 9.8051% | 4,174 |
| Core capital (leverage) ratio | 9.8950% | 3,825 |
| Tier 1 risk-based capital ratio | 12.4386% | 5,491 |
| Total risk-based capital ratio | 13.6945% | 5,428 |
| Memoranda: | ||
| Average total assets | $344,472,250 | 1,887 |
| Average earning assets | $322,600,750 | 1,849 |
| Average equity | $33,124,750 | 2,101 |
| Average total loans | $298,223,250 | 1,416 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5592% | 348 |
| Cost of funding earning assets | 1.0524% | 425 |
| Net interest margin | 4.5068% | 702 |
| Noninterest income to average assets | 0.3557% | 4,843 |
| Noninterest expense to average assets | 2.1495% | 5,747 |
| Loan and lease loss provision to assets | 0.3633% | 909 |
| Net operating income to assets | 1.3859% | 1,110 |
| Return on assets (ROA) | 1.3859% | 1,191 |
| Pretax return on assets | 2.1014% | 493 |
| Return on Equity (ROE) | 14.5108% | 908 |
| Retained earnings to average equity (ytd only) | 12.9769% | 386 |
| Net charge-offs to loans | 0.1841% | 2,654 |
| Credit loss provision to net charge-offs | 227.9412% | 1,079 |
| Earnings coverage of net charge-offs (x) | 15.4632% | 1,740 |
| Efficiency ratio | 46.5837% | 6,607 |
| Assets per employee ($millions) | 6.2687% | 1,034 |
| Cash dividends to net income (ytd only)* | 10.5708% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6366% | 3,022 |
| Loan loss allowance to noncurrent loans | 220.9968% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 1.7173% | 2,536 |
| Noncurrent loans to loans | 0.7406% | 4,445 |
| Net loans and leases to total assets | 83.4805% | 269 |
| Net loans and leases to deposits | 98.9960% | 479 |
| Net loans and leases to core deposits | 117.8771% | 353 |
| Total domestic deposits to total assets | 84.3271% | 4,189 |
| Equity capital to assets | 9.7303% | 4,260 |
| Core capital (leverage) ratio | 9.7913% | 3,806 |
| Tier 1 risk-based capital ratio | 12.8023% | 5,287 |
| Total risk-based capital ratio | 14.0595% | 5,212 |
| Memoranda: | ||
| Average total assets | $341,296,330 | 1,904 |
| Average earning assets | $322,490,330 | 1,849 |
| Average equity | $32,596,330 | 2,122 |
| Average total loans | $295,438,330 | 1,431 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5559% | 340 |
| Cost of funding earning assets | 1.0641% | 445 |
| Net interest margin | 4.4918% | 686 |
| Noninterest income to average assets | 0.3569% | 4,814 |
| Noninterest expense to average assets | 2.0839% | 5,946 |
| Loan and lease loss provision to assets | 0.4665% | 591 |
| Net operating income to assets | 1.3594% | 1,127 |
| Return on assets (ROA) | 1.3594% | 1,218 |
| Pretax return on assets | 2.0580% | 539 |
| Return on Equity (ROE) | 14.3709% | 886 |
| Retained earnings to average equity (ytd only) | 14.3709% | 411 |
| Net charge-offs to loans | 0.3598% | 1,558 |
| Credit loss provision to net charge-offs | 148.3146% | 1,380 |
| Earnings coverage of net charge-offs (x) | 8.0262% | 1,988 |
| Efficiency ratio | 45.2198% | 6,723 |
| Assets per employee ($millions) | 5.7412% | 1,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5328% | 3,688 |
| Loan loss allowance to noncurrent loans | 70.7804% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 1.9954% | 2,351 |
| Noncurrent loans to loans | 2.1656% | 2,427 |
| Net loans and leases to total assets | 86.6873% | 106 |
| Net loans and leases to deposits | 102.8231% | 257 |
| Net loans and leases to core deposits | 122.0820% | 259 |
| Total domestic deposits to total assets | 84.3072% | 4,350 |
| Equity capital to assets | 9.6508% | 4,640 |
| Core capital (leverage) ratio | 9.6157% | 3,893 |
| Tier 1 risk-based capital ratio | 12.2492% | 5,758 |
| Total risk-based capital ratio | 13.5052% | 5,708 |
| Memoranda: | ||
| Average total assets | $339,554,500 | 1,938 |
| Average earning assets | $321,388,000 | 1,883 |
| Average equity | $32,120,500 | 2,172 |
| Average total loans | $296,851,000 | 1,424 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9581% | 280 |
| Cost of funding earning assets | 1.1677% | 671 |
| Net interest margin | 4.7904% | 550 |
| Noninterest income to average assets | 0.5344% | 3,683 |
| Noninterest expense to average assets | 2.0901% | 6,148 |
| Loan and lease loss provision to assets | 0.6841% | 769 |
| Net operating income to assets | 1.5263% | 871 |
| Return on assets (ROA) | 1.5261% | 964 |
| Pretax return on assets | 2.3069% | 336 |
| Return on Equity (ROE) | 16.3932% | 604 |
| Retained earnings to average equity (ytd only) | 13.0422% | 251 |
| Net charge-offs to loans | 0.4532% | 2,419 |
| Credit loss provision to net charge-offs | 170.1319% | 1,554 |
| Earnings coverage of net charge-offs (x) | 7.4391% | 2,602 |
| Efficiency ratio | 41.1321% | 6,906 |
| Assets per employee ($millions) | 5.8686% | 1,382 |
| Cash dividends to net income (ytd only)* | 20.4415% | 3,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5029% | 3,734 |
| Loan loss allowance to noncurrent loans | 62.6640% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 2.1717% | 2,264 |
| Noncurrent loans to loans | 2.3983% | 2,228 |
| Net loans and leases to total assets | 85.5089% | 150 |
| Net loans and leases to deposits | 102.1392% | 324 |
| Net loans and leases to core deposits | 119.7840% | 287 |
| Total domestic deposits to total assets | 83.7180% | 4,431 |
| Equity capital to assets | 9.2693% | 5,182 |
| Core capital (leverage) ratio | 9.2986% | 4,420 |
| Tier 1 risk-based capital ratio | 11.8065% | 5,907 |
| Total risk-based capital ratio | 13.0616% | 5,868 |
| Memoranda: | ||
| Average total assets | $320,557,200 | 2,006 |
| Average earning assets | $304,273,400 | 1,944 |
| Average equity | $29,841,600 | 2,260 |
| Average total loans | $284,425,200 | 1,470 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0216% | 275 |
| Cost of funding earning assets | 1.1743% | 781 |
| Net interest margin | 4.8473% | 525 |
| Noninterest income to average assets | 0.5817% | 3,397 |
| Noninterest expense to average assets | 2.0561% | 6,255 |
| Loan and lease loss provision to assets | 0.6557% | 800 |
| Net operating income to assets | 1.6314% | 790 |
| Return on assets (ROA) | 1.6311% | 873 |
| Pretax return on assets | 2.4714% | 311 |
| Return on Equity (ROE) | 17.5013% | 551 |
| Retained earnings to average equity (ytd only) | 14.7816% | 248 |
| Net charge-offs to loans | 0.0615% | 4,804 |
| Credit loss provision to net charge-offs | 1,193.8462% | 231 |
| Earnings coverage of net charge-offs (x) | 56.9458% | 684 |
| Efficiency ratio | 39.6659% | 7,019 |
| Assets per employee ($millions) | 5.7177% | 1,441 |
| Cash dividends to net income (ytd only)* | 15.5400% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6913% | 3,182 |
| Loan loss allowance to noncurrent loans | 123.5983% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 1.2761% | 3,735 |
| Noncurrent loans to loans | 1.3683% | 3,735 |
| Net loans and leases to total assets | 88.4648% | 83 |
| Net loans and leases to deposits | 105.5241% | 244 |
| Net loans and leases to core deposits | 124.0284% | 247 |
| Total domestic deposits to total assets | 83.8338% | 4,304 |
| Equity capital to assets | 9.4999% | 5,208 |
| Core capital (leverage) ratio | 9.6600% | 4,034 |
| Tier 1 risk-based capital ratio | 11.6696% | 6,134 |
| Total risk-based capital ratio | 12.9273% | 6,108 |
| Memoranda: | ||
| Average total assets | $315,601,250 | 2,060 |
| Average earning assets | $299,624,500 | 1,992 |
| Average equity | $29,414,250 | 2,306 |
| Average total loans | $281,657,250 | 1,498 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0403% | 279 |
| Cost of funding earning assets | 1.1871% | 867 |
| Net interest margin | 4.8532% | 514 |
| Noninterest income to average assets | 0.5875% | 3,337 |
| Noninterest expense to average assets | 2.0534% | 6,325 |
| Loan and lease loss provision to assets | 0.6157% | 951 |
| Net operating income to assets | 1.6632% | 729 |
| Return on assets (ROA) | 1.6632% | 815 |
| Pretax return on assets | 2.5205% | 289 |
| Return on Equity (ROE) | 17.9662% | 514 |
| Retained earnings to average equity (ytd only) | 16.5821% | 201 |
| Net charge-offs to loans | 0.1066% | 4,118 |
| Credit loss provision to net charge-offs | 649.3243% | 493 |
| Earnings coverage of net charge-offs (x) | 33.0743% | 1,007 |
| Efficiency ratio | 39.5679% | 7,069 |
| Assets per employee ($millions) | 5.8721% | 1,312 |
| Cash dividends to net income (ytd only)* | 7.7042% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5340% | 3,852 |
| Loan loss allowance to noncurrent loans | 116.0576% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 1.2315% | 3,948 |
| Noncurrent loans to loans | 1.3218% | 3,936 |
| Net loans and leases to total assets | 88.0773% | 77 |
| Net loans and leases to deposits | 103.2683% | 301 |
| Net loans and leases to core deposits | 121.4524% | 289 |
| Total domestic deposits to total assets | 85.2898% | 3,714 |
| Equity capital to assets | 9.4849% | 5,090 |
| Core capital (leverage) ratio | 9.6204% | 3,962 |
| Tier 1 risk-based capital ratio | 11.8380% | 6,036 |
| Total risk-based capital ratio | 13.0937% | 5,999 |
| Memoranda: | ||
| Average total assets | $312,165,670 | 2,078 |
| Average earning assets | $296,013,330 | 2,010 |
| Average equity | $28,898,670 | 2,337 |
| Average total loans | $277,785,000 | 1,513 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0573% | 282 |
| Cost of funding earning assets | 1.2229% | 881 |
| Net interest margin | 4.8344% | 527 |
| Noninterest income to average assets | 0.4004% | 4,666 |
| Noninterest expense to average assets | 2.0084% | 6,444 |
| Loan and lease loss provision to assets | 0.4133% | 1,525 |
| Net operating income to assets | 1.6932% | 730 |
| Return on assets (ROA) | 1.6932% | 812 |
| Pretax return on assets | 2.5638% | 306 |
| Return on Equity (ROE) | 18.5235% | 490 |
| Retained earnings to average equity (ytd only) | 18.5235% | 227 |
| Net charge-offs to loans | 0.1601% | 3,134 |
| Credit loss provision to net charge-offs | 290.9091% | 1,014 |
| Earnings coverage of net charge-offs (x) | 20.9545% | 1,172 |
| Efficiency ratio | 40.2850% | 7,101 |
| Assets per employee ($millions) | 5.9791% | 1,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3486% | 4,809 |
| Loan loss allowance to noncurrent loans | 264.5025% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.4982% | 5,619 |
| Noncurrent loans to loans | 0.5099% | 5,650 |
| Net loans and leases to total assets | 88.1822% | 69 |
| Net loans and leases to deposits | 103.4795% | 267 |
| Net loans and leases to core deposits | 120.4350% | 302 |
| Total domestic deposits to total assets | 85.2170% | 3,925 |
| Equity capital to assets | 9.3165% | 5,072 |
| Core capital (leverage) ratio | 9.3727% | 4,232 |
| Tier 1 risk-based capital ratio | 11.5532% | 6,251 |
| Total risk-based capital ratio | 12.8064% | 6,224 |
| Memoranda: | ||
| Average total assets | $309,702,000 | 2,100 |
| Average earning assets | $293,728,000 | 2,027 |
| Average equity | $28,310,000 | 2,373 |
| Average total loans | $274,858,500 | 1,531 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2384% | 281 |
| Cost of funding earning assets | 1.4586% | 838 |
| Net interest margin | 4.7797% | 652 |
| Noninterest income to average assets | 0.3684% | 4,874 |
| Noninterest expense to average assets | 1.9761% | 6,717 |
| Loan and lease loss provision to assets | 0.3207% | 3,119 |
| Net operating income to assets | 1.7128% | 540 |
| Return on assets (ROA) | 1.7367% | 554 |
| Pretax return on assets | 2.6304% | 171 |
| Return on Equity (ROE) | 20.1004% | 259 |
| Retained earnings to average equity (ytd only) | 17.7315% | 73 |
| Net charge-offs to loans | 0.0769% | 5,554 |
| Credit loss provision to net charge-offs | 474.7475% | 474 |
| Earnings coverage of net charge-offs (x) | 43.1566% | 632 |
| Efficiency ratio | 40.4031% | 7,204 |
| Assets per employee ($millions) | 6.0489% | 1,197 |
| Cash dividends to net income (ytd only)* | 11.7855% | 3,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3017% | 4,897 |
| Loan loss allowance to noncurrent loans | 356.6532% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.4668% | 5,795 |
| Noncurrent loans to loans | 0.3650% | 5,989 |
| Net loans and leases to total assets | 86.9591% | 109 |
| Net loans and leases to deposits | 101.9562% | 383 |
| Net loans and leases to core deposits | 119.9800% | 354 |
| Total domestic deposits to total assets | 85.2907% | 3,697 |
| Equity capital to assets | 8.9643% | 5,586 |
| Core capital (leverage) ratio | 8.9982% | 4,794 |
| Tier 1 risk-based capital ratio | 11.4132% | 6,207 |
| Total risk-based capital ratio | 12.6658% | 6,202 |
| Memoranda: | ||
| Average total assets | $293,147,000 | 2,180 |
| Average earning assets | $277,380,200 | 2,118 |
| Average equity | $25,327,800 | 2,542 |
| Average total loans | $257,588,400 | 1,637 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2546% | 292 |
| Cost of funding earning assets | 1.5094% | 828 |
| Net interest margin | 4.7453% | 693 |
| Noninterest income to average assets | 0.3742% | 4,874 |
| Noninterest expense to average assets | 1.9826% | 6,726 |
| Loan and lease loss provision to assets | 0.3899% | 2,518 |
| Net operating income to assets | 1.6448% | 712 |
| Return on assets (ROA) | 1.6770% | 734 |
| Pretax return on assets | 2.5421% | 229 |
| Return on Equity (ROE) | 19.6065% | 338 |
| Retained earnings to average equity (ytd only) | 17.4514% | 127 |
| Net charge-offs to loans | 0.0871% | 5,102 |
| Credit loss provision to net charge-offs | 509.6386% | 540 |
| Earnings coverage of net charge-offs (x) | 37.6864% | 801 |
| Efficiency ratio | 40.7464% | 7,240 |
| Assets per employee ($millions) | 5.8433% | 1,313 |
| Cash dividends to net income (ytd only)* | 10.9920% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3261% | 4,893 |
| Loan loss allowance to noncurrent loans | 538.9147% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.3456% | 6,205 |
| Noncurrent loans to loans | 0.2461% | 6,384 |
| Net loans and leases to total assets | 86.7913% | 109 |
| Net loans and leases to deposits | 102.0066% | 389 |
| Net loans and leases to core deposits | 119.6986% | 394 |
| Total domestic deposits to total assets | 85.0840% | 3,732 |
| Equity capital to assets | 8.8732% | 5,891 |
| Core capital (leverage) ratio | 8.7936% | 5,277 |
| Tier 1 risk-based capital ratio | 11.1166% | 6,470 |
| Total risk-based capital ratio | 12.3694% | 6,457 |
| Memoranda: | ||
| Average total assets | $289,310,750 | 2,216 |
| Average earning assets | $273,838,500 | 2,146 |
| Average equity | $24,746,250 | 2,609 |
| Average total loans | $254,035,500 | 1,662 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2414% | 306 |
| Cost of funding earning assets | 1.5478% | 844 |
| Net interest margin | 4.6936% | 743 |
| Noninterest income to average assets | 0.3827% | 4,819 |
| Noninterest expense to average assets | 2.0139% | 6,759 |
| Loan and lease loss provision to assets | 0.3938% | 2,446 |
| Net operating income to assets | 1.5998% | 735 |
| Return on assets (ROA) | 1.5998% | 777 |
| Pretax return on assets | 2.4238% | 277 |
| Return on Equity (ROE) | 18.9490% | 391 |
| Retained earnings to average equity (ytd only) | 17.2948% | 154 |
| Net charge-offs to loans | 0.0684% | 4,955 |
| Credit loss provision to net charge-offs | 655.8140% | 480 |
| Earnings coverage of net charge-offs (x) | 46.9186% | 658 |
| Efficiency ratio | 41.6823% | 7,307 |
| Assets per employee ($millions) | 6.0301% | 1,172 |
| Cash dividends to net income (ytd only)* | 8.7298% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3078% | 5,023 |
| Loan loss allowance to noncurrent loans | 662.7530% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.3235% | 6,319 |
| Noncurrent loans to loans | 0.1973% | 6,514 |
| Net loans and leases to total assets | 83.6206% | 265 |
| Net loans and leases to deposits | 97.9306% | 595 |
| Net loans and leases to core deposits | 116.5589% | 505 |
| Total domestic deposits to total assets | 85.3876% | 3,681 |
| Equity capital to assets | 8.5682% | 6,104 |
| Core capital (leverage) ratio | 8.6080% | 5,385 |
| Tier 1 risk-based capital ratio | 11.1910% | 6,386 |
| Total risk-based capital ratio | 12.4434% | 6,377 |
| Memoranda: | ||
| Average total assets | $286,411,330 | 2,236 |
| Average earning assets | $271,475,670 | 2,166 |
| Average equity | $24,180,670 | 2,640 |
| Average total loans | $251,340,000 | 1,704 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3204% | 273 |
| Cost of funding earning assets | 1.6256% | 744 |
| Net interest margin | 4.6949% | 713 |
| Noninterest income to average assets | 0.3831% | 4,849 |
| Noninterest expense to average assets | 2.0874% | 6,670 |
| Loan and lease loss provision to assets | 0.4002% | 2,195 |
| Net operating income to assets | 1.5368% | 806 |
| Return on assets (ROA) | 1.5368% | 849 |
| Pretax return on assets | 2.3301% | 320 |
| Return on Equity (ROE) | 18.3462% | 445 |
| Retained earnings to average equity (ytd only) | 18.3462% | 222 |
| Net charge-offs to loans | 0.1175% | 3,825 |
| Credit loss provision to net charge-offs | 381.0811% | 868 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 938 |
| Efficiency ratio | 43.3284% | 7,305 |
| Assets per employee ($millions) | 6.0650% | 1,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1836% | 5,704 |
| Loan loss allowance to noncurrent loans | 688.9908% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.3136% | 6,413 |
| Noncurrent loans to loans | 0.1718% | 6,625 |
| Net loans and leases to total assets | 86.1518% | 122 |
| Net loans and leases to deposits | 100.8468% | 425 |
| Net loans and leases to core deposits | 118.6394% | 454 |
| Total domestic deposits to total assets | 85.4284% | 3,823 |
| Equity capital to assets | 8.3007% | 6,163 |
| Core capital (leverage) ratio | 8.4284% | 5,576 |
| Tier 1 risk-based capital ratio | 10.3994% | 6,863 |
| Total risk-based capital ratio | 11.6498% | 6,848 |
| Memoranda: | ||
| Average total assets | $281,879,500 | 2,287 |
| Average earning assets | $266,248,000 | 2,226 |
| Average equity | $23,612,500 | 2,680 |
| Average total loans | $251,834,000 | 1,719 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4001% | 378 |
| Cost of funding earning assets | 1.8404% | 1,026 |
| Net interest margin | 4.5597% | 1,110 |
| Noninterest income to average assets | 0.4688% | 4,387 |
| Noninterest expense to average assets | 2.1807% | 6,665 |
| Loan and lease loss provision to assets | 0.4634% | 3,350 |
| Net operating income to assets | 1.3927% | 963 |
| Return on assets (ROA) | 1.4243% | 963 |
| Pretax return on assets | 2.1585% | 354 |
| Return on Equity (ROE) | 17.2388% | 455 |
| Retained earnings to average equity (ytd only) | 14.9212% | 130 |
| Net charge-offs to loans | 0.1625% | 5,362 |
| Credit loss provision to net charge-offs | 326.1456% | 791 |
| Earnings coverage of net charge-offs (x) | 18.1159% | 1,116 |
| Efficiency ratio | 45.8639% | 7,354 |
| Assets per employee ($millions) | 5.5640% | 1,524 |
| Cash dividends to net income (ytd only)* | 13.4445% | 3,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1190% | 5,882 |
| Loan loss allowance to noncurrent loans | 368.3794% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.3903% | 6,295 |
| Noncurrent loans to loans | 0.3038% | 6,445 |
| Net loans and leases to total assets | 90.6191% | 43 |
| Net loans and leases to deposits | 110.2985% | 234 |
| Net loans and leases to core deposits | 130.3441% | 327 |
| Total domestic deposits to total assets | 82.1580% | 5,136 |
| Equity capital to assets | 8.4581% | 5,911 |
| Core capital (leverage) ratio | 8.4215% | 5,497 |
| Tier 1 risk-based capital ratio | 10.1672% | 6,896 |
| Total risk-based capital ratio | 11.4017% | 6,882 |
| Memoranda: | ||
| Average total assets | $261,105,200 | 2,445 |
| Average earning assets | $245,433,200 | 2,377 |
| Average equity | $21,573,400 | 2,936 |
| Average total loans | $228,290,400 | 1,911 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3454% | 464 |
| Cost of funding earning assets | 1.8994% | 1,030 |
| Net interest margin | 4.4460% | 1,385 |
| Noninterest income to average assets | 0.5003% | 4,184 |
| Noninterest expense to average assets | 2.2043% | 6,593 |
| Loan and lease loss provision to assets | 0.4389% | 3,279 |
| Net operating income to assets | 1.3402% | 1,255 |
| Return on assets (ROA) | 1.3828% | 1,222 |
| Pretax return on assets | 2.0963% | 507 |
| Return on Equity (ROE) | 16.8410% | 607 |
| Retained earnings to average equity (ytd only) | 16.8410% | 145 |
| Net charge-offs to loans | 0.1759% | 4,907 |
| Credit loss provision to net charge-offs | 289.1156% | 1,114 |
| Earnings coverage of net charge-offs (x) | 16.2755% | 1,387 |
| Efficiency ratio | 47.1504% | 7,322 |
| Assets per employee ($millions) | 5.8548% | 1,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0699% | 6,073 |
| Loan loss allowance to noncurrent loans | 310.6304% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.4185% | 6,374 |
| Noncurrent loans to loans | 0.3444% | 6,509 |
| Net loans and leases to total assets | 86.2810% | 182 |
| Net loans and leases to deposits | 103.8910% | 434 |
| Net loans and leases to core deposits | 123.4609% | 518 |
| Total domestic deposits to total assets | 83.0495% | 4,575 |
| Equity capital to assets | 8.4223% | 6,365 |
| Core capital (leverage) ratio | 8.4927% | 5,520 |
| Tier 1 risk-based capital ratio | 10.3095% | 6,890 |
| Total risk-based capital ratio | 11.4617% | 6,929 |
| Memoranda: | ||
| Average total assets | $258,222,000 | 2,510 |
| Average earning assets | $242,459,000 | 2,443 |
| Average equity | $21,201,750 | 3,023 |
| Average total loans | $222,898,500 | 1,975 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3131% | 501 |
| Cost of funding earning assets | 1.9657% | 997 |
| Net interest margin | 4.3474% | 1,602 |
| Noninterest income to average assets | 0.5186% | 3,965 |
| Noninterest expense to average assets | 2.2246% | 6,586 |
| Loan and lease loss provision to assets | 0.5029% | 2,788 |
| Net operating income to assets | 1.2308% | 1,480 |
| Return on assets (ROA) | 1.2525% | 1,485 |
| Pretax return on assets | 1.8977% | 737 |
| Return on Equity (ROE) | 15.3950% | 787 |
| Retained earnings to average equity (ytd only) | 15.3950% | 221 |
| Net charge-offs to loans | 0.2449% | 4,130 |
| Credit loss provision to net charge-offs | 238.8060% | 1,613 |
| Earnings coverage of net charge-offs (x) | 11.2425% | 1,786 |
| Efficiency ratio | 48.4428% | 7,318 |
| Assets per employee ($millions) | 5.3748% | 1,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0127% | 6,344 |
| Loan loss allowance to noncurrent loans | 344.0177% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.3307% | 6,593 |
| Noncurrent loans to loans | 0.2944% | 6,642 |
| Net loans and leases to total assets | 86.4355% | 198 |
| Net loans and leases to deposits | 104.6322% | 457 |
| Net loans and leases to core deposits | 125.8751% | 515 |
| Total domestic deposits to total assets | 82.6089% | 4,733 |
| Equity capital to assets | 8.2042% | 6,539 |
| Core capital (leverage) ratio | 8.2602% | 5,840 |
| Tier 1 risk-based capital ratio | 9.9980% | 7,028 |
| Total risk-based capital ratio | 11.0861% | 7,096 |
| Memoranda: | ||
| Average total assets | $254,522,670 | 2,558 |
| Average earning assets | $238,489,330 | 2,496 |
| Average equity | $20,708,000 | 3,078 |
| Average total loans | $218,903,000 | 2,034 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3178% | 513 |
| Cost of funding earning assets | 2.0569% | 922 |
| Net interest margin | 4.2608% | 1,822 |
| Noninterest income to average assets | 0.5198% | 3,893 |
| Noninterest expense to average assets | 2.2023% | 6,684 |
| Loan and lease loss provision to assets | 0.5758% | 2,189 |
| Net operating income to assets | 1.1408% | 1,703 |
| Return on assets (ROA) | 1.1851% | 1,657 |
| Pretax return on assets | 1.7977% | 878 |
| Return on Equity (ROE) | 14.6309% | 937 |
| Retained earnings to average equity (ytd only) | 14.6309% | 444 |
| Net charge-offs to loans | 0.1987% | 3,715 |
| Credit loss provision to net charge-offs | 339.6226% | 1,184 |
| Earnings coverage of net charge-offs (x) | 13.6038% | 1,486 |
| Efficiency ratio | 48.8471% | 7,385 |
| Assets per employee ($millions) | 5.0533% | 2,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0287% | 6,328 |
| Loan loss allowance to noncurrent loans | 268.0000% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.4053% | 6,457 |
| Noncurrent loans to loans | 0.3838% | 6,513 |
| Net loans and leases to total assets | 84.1941% | 355 |
| Net loans and leases to deposits | 102.4706% | 615 |
| Net loans and leases to core deposits | 122.3804% | 696 |
| Total domestic deposits to total assets | 82.1641% | 5,003 |
| Equity capital to assets | 8.1681% | 6,477 |
| Core capital (leverage) ratio | 8.1802% | 5,940 |
| Tier 1 risk-based capital ratio | 10.2350% | 6,861 |
| Total risk-based capital ratio | 11.3363% | 6,966 |
| Memoranda: | ||
| Average total assets | $250,102,000 | 2,652 |
| Average earning assets | $234,133,500 | 2,602 |
| Average equity | $20,258,500 | 3,173 |
| Average total loans | $213,370,000 | 2,146 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3818% | 864 |
| Cost of funding earning assets | 2.5444% | 905 |
| Net interest margin | 3.8374% | 3,540 |
| Noninterest income to average assets | 0.4334% | 4,924 |
| Noninterest expense to average assets | 2.3781% | 6,529 |
| Loan and lease loss provision to assets | 0.5412% | 3,662 |
| Net operating income to assets | 0.6999% | 2,934 |
| Return on assets (ROA) | 0.7362% | 2,870 |
| Pretax return on assets | 1.1328% | 2,151 |
| Return on Equity (ROE) | 9.2753% | 1,931 |
| Retained earnings to average equity (ytd only) | 9.2753% | 451 |
| Net charge-offs to loans | 0.2384% | 5,131 |
| Credit loss provision to net charge-offs | 275.5344% | 1,244 |
| Earnings coverage of net charge-offs (x) | 8.2375% | 1,971 |
| Efficiency ratio | 59.5096% | 6,556 |
| Assets per employee ($millions) | 4.9508% | 2,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9240% | 6,723 |
| Loan loss allowance to noncurrent loans | 401.0246% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.2775% | 6,760 |
| Noncurrent loans to loans | 0.2304% | 6,854 |
| Net loans and leases to total assets | 84.7717% | 369 |
| Net loans and leases to deposits | 104.8570% | 606 |
| Net loans and leases to core deposits | 191.5640% | 124 |
| Total domestic deposits to total assets | 80.8450% | 5,391 |
| Equity capital to assets | 8.0307% | 6,547 |
| Core capital (leverage) ratio | 8.2521% | 5,719 |
| Tier 1 risk-based capital ratio | 9.8724% | 6,968 |
| Total risk-based capital ratio | 10.8477% | 7,147 |
| Memoranda: | ||
| Average total assets | $214,330,800 | 3,021 |
| Average earning assets | $198,988,600 | 2,982 |
| Average equity | $17,013,000 | 3,669 |
| Average total loans | $176,583,000 | 2,554 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3360% | 1,058 |
| Cost of funding earning assets | 2.6636% | 877 |
| Net interest margin | 3.6724% | 4,192 |
| Noninterest income to average assets | 0.4142% | 5,180 |
| Noninterest expense to average assets | 2.4203% | 6,353 |
| Loan and lease loss provision to assets | 0.3721% | 4,097 |
| Net operating income to assets | 0.6729% | 3,304 |
| Return on assets (ROA) | 0.7242% | 3,190 |
| Pretax return on assets | 1.1014% | 2,561 |
| Return on Equity (ROE) | 9.1551% | 2,209 |
| Retained earnings to average equity (ytd only) | 9.1551% | 803 |
| Net charge-offs to loans | 0.1073% | 5,595 |
| Credit loss provision to net charge-offs | 425.9259% | 930 |
| Earnings coverage of net charge-offs (x) | 15.9774% | 1,503 |
| Efficiency ratio | 63.4221% | 5,854 |
| Assets per employee ($millions) | 4.9757% | 2,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8577% | 6,929 |
| Loan loss allowance to noncurrent loans | 266.1316% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.3050% | 6,727 |
| Noncurrent loans to loans | 0.3223% | 6,712 |
| Net loans and leases to total assets | 83.7337% | 572 |
| Net loans and leases to deposits | 104.1728% | 756 |
| Net loans and leases to core deposits | 180.0150% | 185 |
| Total domestic deposits to total assets | 80.3796% | 5,298 |
| Equity capital to assets | 7.7428% | 7,110 |
| Core capital (leverage) ratio | 7.9461% | 6,449 |
| Tier 1 risk-based capital ratio | 9.6139% | 7,297 |
| Total risk-based capital ratio | 10.5197% | 7,496 |
| Memoranda: | ||
| Average total assets | $206,028,750 | 3,125 |
| Average earning assets | $190,861,750 | 3,106 |
| Average equity | $16,296,500 | 3,854 |
| Average total loans | $167,778,750 | 2,678 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2734% | 1,275 |
| Cost of funding earning assets | 2.7632% | 870 |
| Net interest margin | 3.5102% | 4,756 |
| Noninterest income to average assets | 0.4213% | 5,108 |
| Noninterest expense to average assets | 2.5160% | 6,067 |
| Loan and lease loss provision to assets | 0.3427% | 3,879 |
| Net operating income to assets | 0.5379% | 3,950 |
| Return on assets (ROA) | 0.6189% | 3,710 |
| Pretax return on assets | 0.9233% | 3,264 |
| Return on Equity (ROE) | 7.7617% | 2,865 |
| Retained earnings to average equity (ytd only) | 7.7617% | 1,288 |
| Net charge-offs to loans | 0.1695% | 4,533 |
| Credit loss provision to net charge-offs | 251.8519% | 1,850 |
| Earnings coverage of net charge-offs (x) | 8.4148% | 2,265 |
| Efficiency ratio | 68.7225% | 5,029 |
| Assets per employee ($millions) | 4.7081% | 2,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8363% | 7,032 |
| Loan loss allowance to noncurrent loans | 258.7273% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.3301% | 6,638 |
| Noncurrent loans to loans | 0.3232% | 6,701 |
| Net loans and leases to total assets | 77.9087% | 1,762 |
| Net loans and leases to deposits | 98.8569% | 1,414 |
| Net loans and leases to core deposits | 167.0081% | 360 |
| Total domestic deposits to total assets | 78.8096% | 5,858 |
| Equity capital to assets | 7.8440% | 6,923 |
| Core capital (leverage) ratio | 8.0443% | 6,249 |
| Tier 1 risk-based capital ratio | 10.3640% | 6,517 |
| Total risk-based capital ratio | 11.2267% | 6,884 |
| Memoranda: | ||
| Average total assets | $198,410,330 | 3,246 |
| Average earning assets | $183,123,670 | 3,226 |
| Average equity | $15,821,330 | 3,956 |
| Average total loans | $159,268,000 | 2,833 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2951% | 1,314 |
| Cost of funding earning assets | 2.8444% | 881 |
| Net interest margin | 3.4508% | 4,933 |
| Noninterest income to average assets | 0.3592% | 5,571 |
| Noninterest expense to average assets | 2.4719% | 5,948 |
| Loan and lease loss provision to assets | 0.3486% | 3,231 |
| Net operating income to assets | 0.4851% | 4,489 |
| Return on assets (ROA) | 0.6549% | 3,959 |
| Pretax return on assets | 0.9782% | 3,431 |
| Return on Equity (ROE) | 8.1376% | 3,079 |
| Retained earnings to average equity (ytd only) | 8.1376% | 1,759 |
| Net charge-offs to loans | 0.3718% | 2,601 |
| Credit loss provision to net charge-offs | 115.3846% | 3,375 |
| Earnings coverage of net charge-offs (x) | 3.5524% | 3,145 |
| Efficiency ratio | 69.7259% | 4,638 |
| Assets per employee ($millions) | 4.5986% | 2,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7950% | 7,175 |
| Loan loss allowance to noncurrent loans | 236.6412% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.3330% | 6,514 |
| Noncurrent loans to loans | 0.3359% | 6,588 |
| Net loans and leases to total assets | 74.7783% | 2,560 |
| Net loans and leases to deposits | 95.9201% | 1,961 |
| Net loans and leases to core deposits | 159.8298% | 493 |
| Total domestic deposits to total assets | 77.9590% | 6,027 |
| Equity capital to assets | 8.1493% | 6,601 |
| Core capital (leverage) ratio | 8.5026% | 5,531 |
| Tier 1 risk-based capital ratio | 10.9554% | 5,938 |
| Total risk-based capital ratio | 11.7645% | 6,291 |
| Memoranda: | ||
| Average total assets | $189,328,500 | 3,368 |
| Average earning assets | $174,802,000 | 3,352 |
| Average equity | $15,238,000 | 4,097 |
| Average total loans | $153,825,500 | 2,943 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8045% | 1,659 |
| Cost of funding earning assets | 3.2051% | 1,173 |
| Net interest margin | 3.5993% | 4,893 |
| Noninterest income to average assets | 0.5069% | 4,567 |
| Noninterest expense to average assets | 2.7445% | 5,072 |
| Loan and lease loss provision to assets | 0.3990% | 3,297 |
| Net operating income to assets | 0.4466% | 4,965 |
| Return on assets (ROA) | 0.2305% | 5,579 |
| Pretax return on assets | 0.3650% | 5,341 |
| Return on Equity (ROE) | 2.9510% | 5,252 |
| Retained earnings to average equity (ytd only) | 2.9510% | 3,334 |
| Net charge-offs to loans | 0.1308% | 4,924 |
| Credit loss provision to net charge-offs | 367.4847% | 1,200 |
| Earnings coverage of net charge-offs (x) | 10.1472% | 2,567 |
| Efficiency ratio | 71.3543% | 4,059 |
| Assets per employee ($millions) | 3.9935% | 3,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8031% | 7,099 |
| Loan loss allowance to noncurrent loans | 112.0515% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 0.6854% | 5,171 |
| Noncurrent loans to loans | 0.7167% | 5,242 |
| Net loans and leases to total assets | 87.6130% | 405 |
| Net loans and leases to deposits | 105.8017% | 1,140 |
| Net loans and leases to core deposits | 166.8115% | 462 |
| Total domestic deposits to total assets | 82.8086% | 3,851 |
| Equity capital to assets | 7.9269% | 6,931 |
| Core capital (leverage) ratio | 7.9498% | 6,570 |
| Tier 1 risk-based capital ratio | 9.4215% | 7,392 |
| Total risk-based capital ratio | 10.2728% | 7,751 |
| Memoranda: | ||
| Average total assets | $150,120,400 | 3,895 |
| Average earning assets | $139,276,000 | 3,864 |
| Average equity | $11,725,000 | 4,908 |
| Average total loans | $124,647,600 | 3,358 |