Home > The Citizens National Bank of Hillsboro > Performance and Condition Ratios
The Citizens National Bank of Hillsboro, 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 | 3.0702% | 4,507 |
| Cost of funding earning assets | 1.0748% | 3,131 |
| Net interest margin | 1.9954% | 4,413 |
| Noninterest income to average assets | 1.0400% | 596 |
| Noninterest expense to average assets | 2.2426% | 2,999 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.6878% | 3,225 |
| Return on assets (ROA) | 0.6048% | 3,422 |
| Pretax return on assets | 0.6048% | 3,624 |
| Return on Equity (ROE) | 29.4600% | 193 |
| Retained earnings to average equity (ytd only) | 10.5689% | 887 |
| Net charge-offs to loans | 0.0083% | 2,356 |
| Credit loss provision to net charge-offs | 600.0000% | 588 |
| Earnings coverage of net charge-offs (x) | 297.6000% | 435 |
| Efficiency ratio | 76.1615% | 1,230 |
| Assets per employee ($millions) | 7.3337% | 1,849 |
| Cash dividends to net income (ytd only)* | 64.1186% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9570% | 3,506 |
| Loan loss allowance to noncurrent loans | 1,065.4545% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 3,522 |
| Noncurrent loans to loans | 0.0898% | 3,092 |
| Net loans and leases to total assets | 28.5200% | 4,326 |
| Net loans and leases to deposits | 29.7467% | 4,359 |
| Net loans and leases to core deposits | 31.5870% | 4,381 |
| Total domestic deposits to total assets | 95.8700% | 43 |
| Equity capital to assets | 3.3205% | 4,533 |
| Core capital (leverage) ratio | 12.9884% | 1,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.2664% | 254 |
| Memoranda: | ||
| Average total assets | $211,988,400 | 2,900 |
| Average earning assets | $202,269,600 | 2,842 |
| Average equity | $4,352,400 | 4,321 |
| Average total loans | $60,244,800 | 3,703 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9793% | 4,534 |
| Cost of funding earning assets | 0.9328% | 3,198 |
| Net interest margin | 2.0465% | 4,426 |
| Noninterest income to average assets | 1.0500% | 596 |
| Noninterest expense to average assets | 2.2478% | 2,948 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.7421% | 3,196 |
| Return on assets (ROA) | 0.6313% | 3,462 |
| Pretax return on assets | 0.6313% | 3,681 |
| Return on Equity (ROE) | 36.3900% | 147 |
| Retained earnings to average equity (ytd only) | 10.0496% | 1,388 |
| Net charge-offs to loans | 0.0022% | 2,475 |
| Credit loss provision to net charge-offs | 2,300.0000% | 211 |
| Earnings coverage of net charge-offs (x) | 1,202.0000% | 133 |
| Efficiency ratio | 74.8167% | 1,287 |
| Assets per employee ($millions) | 6.9220% | 2,014 |
| Cash dividends to net income (ytd only)* | 72.3829% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9361% | 3,610 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 29.7100% | 4,319 |
| Net loans and leases to deposits | 32.0115% | 4,353 |
| Net loans and leases to core deposits | 33.9915% | 4,350 |
| Total domestic deposits to total assets | 92.8100% | 329 |
| Equity capital to assets | 0.2475% | 4,591 |
| Core capital (leverage) ratio | 12.8148% | 1,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.5482% | 275 |
| Memoranda: | ||
| Average total assets | $211,816,500 | 2,906 |
| Average earning assets | $202,547,500 | 2,860 |
| Average equity | $3,675,000 | 4,392 |
| Average total loans | $59,997,250 | 3,716 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8873% | 4,574 |
| Cost of funding earning assets | 0.7751% | 3,280 |
| Net interest margin | 2.1123% | 4,454 |
| Noninterest income to average assets | 1.0900% | 500 |
| Noninterest expense to average assets | 2.2383% | 2,975 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.8555% | 2,905 |
| Return on assets (ROA) | 0.6904% | 3,361 |
| Pretax return on assets | 0.6904% | 3,620 |
| Return on Equity (ROE) | 31.1300% | 197 |
| Retained earnings to average equity (ytd only) | 4.7371% | 3,014 |
| Net charge-offs to loans | 0.0034% | 2,195 |
| Credit loss provision to net charge-offs | 1,500.0000% | 316 |
| Earnings coverage of net charge-offs (x) | 927.0000% | 163 |
| Efficiency ratio | 72.0193% | 1,561 |
| Assets per employee ($millions) | 6.7400% | 2,108 |
| Cash dividends to net income (ytd only)* | 84.7826% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9284% | 3,688 |
| Loan loss allowance to noncurrent loans | 1,105.7692% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 3,542 |
| Noncurrent loans to loans | 0.0840% | 3,087 |
| Net loans and leases to total assets | 29.3700% | 4,342 |
| Net loans and leases to deposits | 32.1356% | 4,369 |
| Net loans and leases to core deposits | 33.7312% | 4,363 |
| Total domestic deposits to total assets | 91.3900% | 529 |
| Equity capital to assets | 2.5414% | 4,585 |
| Core capital (leverage) ratio | 12.8213% | 1,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.5296% | 265 |
| Memoranda: | ||
| Average total assets | $213,202,000 | 2,904 |
| Average earning assets | $203,857,667 | 2,864 |
| Average equity | $4,728,667 | 4,320 |
| Average total loans | $59,236,333 | 3,733 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8829% | 4,584 |
| Cost of funding earning assets | 0.6469% | 3,233 |
| Net interest margin | 2.2360% | 4,481 |
| Noninterest income to average assets | 1.0700% | 522 |
| Noninterest expense to average assets | 2.1604% | 3,224 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.0365% | 2,415 |
| Return on assets (ROA) | 0.7152% | 3,384 |
| Pretax return on assets | 0.7152% | 3,628 |
| Return on Equity (ROE) | 34.7000% | 163 |
| Retained earnings to average equity (ytd only) | 5.1374% | 2,997 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.2643% | 2,066 |
| Assets per employee ($millions) | 7.4643% | 1,645 |
| Cash dividends to net income (ytd only)* | 85.1948% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9841% | 3,580 |
| Loan loss allowance to noncurrent loans | 28,450.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 3,932 |
| Noncurrent loans to loans | 0.0035% | 3,831 |
| Net loans and leases to total assets | 27.3900% | 4,412 |
| Net loans and leases to deposits | 28.3726% | 4,476 |
| Net loans and leases to core deposits | 30.0294% | 4,458 |
| Total domestic deposits to total assets | 96.5400% | 36 |
| Equity capital to assets | 2.7163% | 4,610 |
| Core capital (leverage) ratio | 12.2170% | 1,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6330% | 253 |
| Memoranda: | ||
| Average total assets | $215,332,500 | 2,940 |
| Average earning assets | $205,902,000 | 2,893 |
| Average equity | $4,438,000 | 4,406 |
| Average total loans | $57,887,000 | 3,793 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5025% | 4,508 |
| Cost of funding earning assets | 0.3088% | 2,801 |
| Net interest margin | 2.1938% | 4,482 |
| Noninterest income to average assets | 1.1900% | 483 |
| Noninterest expense to average assets | 2.0034% | 3,569 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.2847% | 1,488 |
| Return on assets (ROA) | 1.2531% | 1,539 |
| Pretax return on assets | 1.2531% | 2,269 |
| Return on Equity (ROE) | 30.9600% | 103 |
| Retained earnings to average equity (ytd only) | 9.5082% | 1,311 |
| Net charge-offs to loans | 0.0018% | 2,480 |
| Credit loss provision to net charge-offs | 3,000.0000% | 190 |
| Earnings coverage of net charge-offs (x) | 2,958.0000% | 48 |
| Efficiency ratio | 60.6858% | 2,961 |
| Assets per employee ($millions) | 7.9166% | 1,367 |
| Cash dividends to net income (ytd only)* | 69.2927% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9697% | 3,516 |
| Loan loss allowance to noncurrent loans | 14,050.0000% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 3,933 |
| Noncurrent loans to loans | 0.0069% | 3,813 |
| Net loans and leases to total assets | 25.8900% | 4,478 |
| Net loans and leases to deposits | 26.5127% | 4,517 |
| Net loans and leases to core deposits | 28.0322% | 4,507 |
| Total domestic deposits to total assets | 97.6600% | 42 |
| Equity capital to assets | 1.4432% | 4,667 |
| Core capital (leverage) ratio | 11.9897% | 1,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.9739% | 238 |
| Memoranda: | ||
| Average total assets | $227,909,800 | 2,855 |
| Average earning assets | $218,937,200 | 2,807 |
| Average equity | $9,223,600 | 3,972 |
| Average total loans | $55,584,600 | 3,815 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3965% | 4,497 |
| Cost of funding earning assets | 0.2586% | 2,621 |
| Net interest margin | 2.1379% | 4,497 |
| Noninterest income to average assets | 1.2100% | 502 |
| Noninterest expense to average assets | 1.9831% | 3,526 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.2742% | 1,445 |
| Return on assets (ROA) | 1.2324% | 1,557 |
| Pretax return on assets | 1.2324% | 2,249 |
| Return on Equity (ROE) | 26.3600% | 153 |
| Retained earnings to average equity (ytd only) | 8.9096% | 1,676 |
| Net charge-offs to loans | 0.0024% | 2,181 |
| Credit loss provision to net charge-offs | 2,300.0000% | 223 |
| Earnings coverage of net charge-offs (x) | 2,216.0000% | 53 |
| Efficiency ratio | 60.6324% | 3,034 |
| Assets per employee ($millions) | 7.7595% | 1,441 |
| Cash dividends to net income (ytd only)* | 66.1952% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9480% | 3,695 |
| Loan loss allowance to noncurrent loans | 2,518.1818% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 3,881 |
| Noncurrent loans to loans | 0.0376% | 3,622 |
| Net loans and leases to total assets | 26.6400% | 4,494 |
| Net loans and leases to deposits | 26.6607% | 4,554 |
| Net loans and leases to core deposits | 28.2872% | 4,532 |
| Total domestic deposits to total assets | 99.9400% | 18 |
| Equity capital to assets | -0.5638% | 4,741 |
| Core capital (leverage) ratio | 11.6313% | 1,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4254% | 263 |
| Memoranda: | ||
| Average total assets | $229,470,750 | 2,865 |
| Average earning assets | $220,646,750 | 2,818 |
| Average equity | $10,729,750 | 3,835 |
| Average total loans | $54,991,750 | 3,833 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2972% | 4,524 |
| Cost of funding earning assets | 0.2152% | 2,705 |
| Net interest margin | 2.0819% | 4,519 |
| Noninterest income to average assets | 1.2204% | 461 |
| Noninterest expense to average assets | 1.9842% | 3,473 |
| Loan and lease loss provision to assets | 0.0128% | 2,365 |
| Net operating income to assets | 1.2281% | 1,336 |
| Return on assets (ROA) | 1.1664% | 1,524 |
| Pretax return on assets | 1.1664% | 2,182 |
| Return on Equity (ROE) | 18.5121% | 417 |
| Retained earnings to average equity (ytd only) | 6.4697% | 2,184 |
| Net charge-offs to loans | 0.0037% | 1,902 |
| Credit loss provision to net charge-offs | 1,500.0000% | 295 |
| Earnings coverage of net charge-offs (x) | 1,449.0000% | 82 |
| Efficiency ratio | 61.5242% | 3,106 |
| Assets per employee ($millions) | 7.4470% | 1,646 |
| Cash dividends to net income (ytd only)* | 65.0514% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9534% | 3,784 |
| Loan loss allowance to noncurrent loans | 2,103.8462% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 3,912 |
| Noncurrent loans to loans | 0.0453% | 3,606 |
| Net loans and leases to total assets | 25.4349% | 4,570 |
| Net loans and leases to deposits | 26.4078% | 4,613 |
| Net loans and leases to core deposits | 28.0349% | 4,599 |
| Total domestic deposits to total assets | 96.3157% | 69 |
| Equity capital to assets | 3.0822% | 4,685 |
| Core capital (leverage) ratio | 11.3697% | 1,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.1708% | 243 |
| Memoranda: | ||
| Average total assets | $233,539,333 | 2,867 |
| Average earning assets | $224,887,333 | 2,826 |
| Average equity | $14,714,667 | 3,525 |
| Average total loans | $53,842,000 | 3,895 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1984% | 4,531 |
| Cost of funding earning assets | 0.2054% | 2,720 |
| Net interest margin | 1.9930% | 4,522 |
| Noninterest income to average assets | 1.0964% | 562 |
| Noninterest expense to average assets | 1.9497% | 3,553 |
| Loan and lease loss provision to assets | 0.0134% | 2,104 |
| Net operating income to assets | 1.0528% | 1,677 |
| Return on assets (ROA) | 1.0528% | 1,668 |
| Pretax return on assets | 1.0528% | 2,284 |
| Return on Equity (ROE) | 13.4844% | 942 |
| Retained earnings to average equity (ytd only) | 5.0244% | 2,588 |
| Net charge-offs to loans | 0.0077% | 1,469 |
| Credit loss provision to net charge-offs | 800.0000% | 392 |
| Earnings coverage of net charge-offs (x) | 636.0000% | 156 |
| Efficiency ratio | 64.6470% | 2,954 |
| Assets per employee ($millions) | 7.9061% | 1,430 |
| Cash dividends to net income (ytd only)* | 62.7389% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 3,704 |
| Loan loss allowance to noncurrent loans | 1,925.0000% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 3,943 |
| Noncurrent loans to loans | 0.0522% | 3,605 |
| Net loans and leases to total assets | 23.1449% | 4,628 |
| Net loans and leases to deposits | 24.6663% | 4,656 |
| Net loans and leases to core deposits | 26.6106% | 4,646 |
| Total domestic deposits to total assets | 93.8324% | 130 |
| Equity capital to assets | 5.4990% | 4,666 |
| Core capital (leverage) ratio | 10.5313% | 1,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.7255% | 231 |
| Memoranda: | ||
| Average total assets | $238,604,000 | 2,854 |
| Average earning assets | $229,805,500 | 2,809 |
| Average equity | $18,629,000 | 3,272 |
| Average total loans | $52,077,500 | 3,940 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1945% | 4,627 |
| Cost of funding earning assets | 0.2433% | 3,017 |
| Net interest margin | 1.9512% | 4,621 |
| Noninterest income to average assets | 1.0644% | 903 |
| Noninterest expense to average assets | 1.9735% | 3,758 |
| Loan and lease loss provision to assets | 0.0134% | 2,817 |
| Net operating income to assets | 0.9522% | 2,860 |
| Return on assets (ROA) | 0.9189% | 3,035 |
| Pretax return on assets | 0.9189% | 3,459 |
| Return on Equity (ROE) | 7.9595% | 3,233 |
| Retained earnings to average equity (ytd only) | 2.4526% | 3,840 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1463% | 2,104 |
| Assets per employee ($millions) | 8.5493% | 1,066 |
| Cash dividends to net income (ytd only)* | 69.1860% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0524% | 3,563 |
| Loan loss allowance to noncurrent loans | 5,320.0000% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 4,137 |
| Noncurrent loans to loans | 0.0198% | 3,930 |
| Net loans and leases to total assets | 20.1742% | 4,713 |
| Net loans and leases to deposits | 22.6100% | 4,719 |
| Net loans and leases to core deposits | 24.3387% | 4,714 |
| Total domestic deposits to total assets | 89.2268% | 1,397 |
| Equity capital to assets | 9.9423% | 2,705 |
| Core capital (leverage) ratio | 10.5633% | 1,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.8197% | 242 |
| Memoranda: | ||
| Average total assets | $224,627,200 | 2,876 |
| Average earning assets | $215,815,600 | 2,838 |
| Average equity | $25,931,200 | 2,788 |
| Average total loans | $54,111,400 | 3,929 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2658% | 4,687 |
| Cost of funding earning assets | 0.2576% | 3,038 |
| Net interest margin | 2.0082% | 4,674 |
| Noninterest income to average assets | 1.0329% | 1,011 |
| Noninterest expense to average assets | 2.0170% | 3,616 |
| Loan and lease loss provision to assets | 0.0142% | 2,710 |
| Net operating income to assets | 0.9305% | 3,148 |
| Return on assets (ROA) | 0.8848% | 3,365 |
| Pretax return on assets | 0.8848% | 3,727 |
| Return on Equity (ROE) | 7.3746% | 3,567 |
| Retained earnings to average equity (ytd only) | 3.0982% | 3,870 |
| Net charge-offs to loans | 0.0024% | 2,280 |
| Credit loss provision to net charge-offs | 2,300.0000% | 300 |
| Earnings coverage of net charge-offs (x) | 1,550.0000% | 94 |
| Efficiency ratio | 68.1070% | 1,812 |
| Assets per employee ($millions) | 8.0344% | 1,253 |
| Cash dividends to net income (ytd only)* | 57.9890% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0565% | 3,635 |
| Loan loss allowance to noncurrent loans | 859.0164% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.0262% | 4,000 |
| Noncurrent loans to loans | 0.1230% | 3,481 |
| Net loans and leases to total assets | 21.0619% | 4,783 |
| Net loans and leases to deposits | 23.8079% | 4,792 |
| Net loans and leases to core deposits | 25.5008% | 4,783 |
| Total domestic deposits to total assets | 88.4660% | 1,585 |
| Equity capital to assets | 10.9773% | 2,033 |
| Core capital (leverage) ratio | 11.1393% | 1,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.3270% | 226 |
| Memoranda: | ||
| Average total assets | $218,801,250 | 2,946 |
| Average earning assets | $210,131,500 | 2,899 |
| Average equity | $26,251,500 | 2,802 |
| Average total loans | $55,001,750 | 3,964 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3766% | 4,684 |
| Cost of funding earning assets | 0.2732% | 3,061 |
| Net interest margin | 2.1034% | 4,652 |
| Noninterest income to average assets | 0.9847% | 1,100 |
| Noninterest expense to average assets | 2.0657% | 3,502 |
| Loan and lease loss provision to assets | 0.0140% | 2,676 |
| Net operating income to assets | 0.9193% | 3,164 |
| Return on assets (ROA) | 0.8493% | 3,444 |
| Pretax return on assets | 0.8493% | 3,770 |
| Return on Equity (ROE) | 6.8665% | 3,692 |
| Retained earnings to average equity (ytd only) | 2.6892% | 3,942 |
| Net charge-offs to loans | 0.0035% | 2,039 |
| Credit loss provision to net charge-offs | 1,500.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 999.0000% | 127 |
| Efficiency ratio | 68.8785% | 1,775 |
| Assets per employee ($millions) | 7.4836% | 1,487 |
| Cash dividends to net income (ytd only)* | 60.8361% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8919% | 4,176 |
| Loan loss allowance to noncurrent loans | 1,202.3256% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.0192% | 4,156 |
| Noncurrent loans to loans | 0.0742% | 3,812 |
| Net loans and leases to total assets | 25.5883% | 4,758 |
| Net loans and leases to deposits | 29.0957% | 4,772 |
| Net loans and leases to core deposits | 31.2615% | 4,755 |
| Total domestic deposits to total assets | 87.9452% | 1,858 |
| Equity capital to assets | 11.5029% | 1,625 |
| Core capital (leverage) ratio | 11.9147% | 1,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.4672% | 209 |
| Memoranda: | ||
| Average total assets | $214,068,667 | 2,979 |
| Average earning assets | $204,999,000 | 2,945 |
| Average equity | $26,476,333 | 2,786 |
| Average total loans | $56,803,000 | 3,959 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5648% | 4,602 |
| Cost of funding earning assets | 0.2859% | 3,138 |
| Net interest margin | 2.2790% | 4,543 |
| Noninterest income to average assets | 0.9710% | 1,187 |
| Noninterest expense to average assets | 2.0723% | 3,504 |
| Loan and lease loss provision to assets | 0.0153% | 2,582 |
| Net operating income to assets | 1.0668% | 2,581 |
| Return on assets (ROA) | 1.0668% | 2,660 |
| Pretax return on assets | 1.0668% | 3,200 |
| Return on Equity (ROE) | 8.3128% | 3,238 |
| Retained earnings to average equity (ytd only) | 3.9997% | 3,501 |
| Net charge-offs to loans | 0.0071% | 1,645 |
| Credit loss provision to net charge-offs | 800.0000% | 474 |
| Earnings coverage of net charge-offs (x) | 565.0000% | 170 |
| Efficiency ratio | 65.6952% | 2,273 |
| Assets per employee ($millions) | 6.7025% | 1,994 |
| Cash dividends to net income (ytd only)* | 51.8851% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8787% | 4,220 |
| Loan loss allowance to noncurrent loans | 2,827.7778% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 4,323 |
| Noncurrent loans to loans | 0.0311% | 4,129 |
| Net loans and leases to total assets | 27.6342% | 4,756 |
| Net loans and leases to deposits | 31.8814% | 4,766 |
| Net loans and leases to core deposits | 32.3617% | 4,784 |
| Total domestic deposits to total assets | 86.6782% | 2,452 |
| Equity capital to assets | 12.6288% | 1,024 |
| Core capital (leverage) ratio | 11.9811% | 1,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.4743% | 213 |
| Memoranda: | ||
| Average total assets | $208,848,500 | 3,014 |
| Average earning assets | $200,091,000 | 2,971 |
| Average equity | $26,802,000 | 2,747 |
| Average total loans | $56,222,000 | 3,986 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8283% | 4,737 |
| Cost of funding earning assets | 0.3832% | 3,687 |
| Net interest margin | 2.4451% | 4,631 |
| Noninterest income to average assets | 0.7875% | 1,569 |
| Noninterest expense to average assets | 2.0892% | 3,954 |
| Loan and lease loss provision to assets | 0.0157% | 4,179 |
| Net operating income to assets | 1.0116% | 2,253 |
| Return on assets (ROA) | 1.0608% | 2,204 |
| Pretax return on assets | 1.0608% | 2,838 |
| Return on Equity (ROE) | 7.4435% | 3,021 |
| Retained earnings to average equity (ytd only) | 2.4836% | 3,610 |
| Net charge-offs to loans | 0.0074% | 3,067 |
| Credit loss provision to net charge-offs | 750.0000% | 955 |
| Earnings coverage of net charge-offs (x) | 490.5000% | 239 |
| Efficiency ratio | 67.0363% | 2,359 |
| Assets per employee ($millions) | 6.9973% | 1,590 |
| Cash dividends to net income (ytd only)* | 66.6338% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9226% | 4,121 |
| Loan loss allowance to noncurrent loans | 1,437.1429% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 4,316 |
| Noncurrent loans to loans | 0.0642% | 4,035 |
| Net loans and leases to total assets | 25.7310% | 4,827 |
| Net loans and leases to deposits | 29.8557% | 4,835 |
| Net loans and leases to core deposits | 30.2191% | 4,850 |
| Total domestic deposits to total assets | 86.1846% | 2,286 |
| Equity capital to assets | 13.0356% | 1,071 |
| Core capital (leverage) ratio | 12.2640% | 1,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.9837% | 218 |
| Memoranda: | ||
| Average total assets | $190,984,800 | 3,019 |
| Average earning assets | $181,911,200 | 2,984 |
| Average equity | $27,218,200 | 2,662 |
| Average total loans | $53,813,200 | 4,027 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0808% | 4,677 |
| Cost of funding earning assets | 0.4076% | 3,774 |
| Net interest margin | 2.6732% | 4,495 |
| Noninterest income to average assets | 0.7481% | 1,651 |
| Noninterest expense to average assets | 2.1096% | 3,919 |
| Loan and lease loss provision to assets | 0.0166% | 4,121 |
| Net operating income to assets | 1.1669% | 1,758 |
| Return on assets (ROA) | 1.2535% | 1,588 |
| Pretax return on assets | 1.2535% | 2,215 |
| Return on Equity (ROE) | 8.5889% | 2,568 |
| Retained earnings to average equity (ytd only) | 3.6151% | 3,247 |
| Net charge-offs to loans | 0.0099% | 2,744 |
| Credit loss provision to net charge-offs | 575.0000% | 1,186 |
| Earnings coverage of net charge-offs (x) | 413.2500% | 280 |
| Efficiency ratio | 64.0652% | 2,723 |
| Assets per employee ($millions) | 6.6017% | 1,753 |
| Cash dividends to net income (ytd only)* | 57.9098% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8236% | 4,305 |
| Loan loss allowance to noncurrent loans | 2,911.7647% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 4,464 |
| Noncurrent loans to loans | 0.0283% | 4,292 |
| Net loans and leases to total assets | 30.0980% | 4,820 |
| Net loans and leases to deposits | 35.2391% | 4,838 |
| Net loans and leases to core deposits | 35.6439% | 4,851 |
| Total domestic deposits to total assets | 85.4108% | 2,281 |
| Equity capital to assets | 13.9636% | 867 |
| Core capital (leverage) ratio | 12.6286% | 1,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.2190% | 213 |
| Memoranda: | ||
| Average total assets | $186,251,500 | 3,045 |
| Average earning assets | $177,310,500 | 3,008 |
| Average equity | $27,181,750 | 2,652 |
| Average total loans | $53,637,250 | 4,057 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3794% | 4,559 |
| Cost of funding earning assets | 0.4307% | 3,891 |
| Net interest margin | 2.9487% | 4,227 |
| Noninterest income to average assets | 0.6450% | 1,953 |
| Noninterest expense to average assets | 2.1556% | 3,914 |
| Loan and lease loss provision to assets | 0.0165% | 4,026 |
| Net operating income to assets | 1.2747% | 1,421 |
| Return on assets (ROA) | 1.4074% | 1,190 |
| Pretax return on assets | 1.4074% | 1,711 |
| Return on Equity (ROE) | 9.4953% | 2,155 |
| Retained earnings to average equity (ytd only) | 5.1214% | 2,418 |
| Net charge-offs to loans | 0.0194% | 2,339 |
| Credit loss provision to net charge-offs | 300.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 235.4000% | 388 |
| Efficiency ratio | 62.5398% | 3,040 |
| Assets per employee ($millions) | 6.7613% | 1,589 |
| Cash dividends to net income (ytd only)* | 46.0639% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8004% | 4,341 |
| Loan loss allowance to noncurrent loans | 2,557.8947% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 4,534 |
| Noncurrent loans to loans | 0.0313% | 4,357 |
| Net loans and leases to total assets | 30.7189% | 4,844 |
| Net loans and leases to deposits | 36.0521% | 4,862 |
| Net loans and leases to core deposits | 36.4706% | 4,873 |
| Total domestic deposits to total assets | 85.2069% | 2,303 |
| Equity capital to assets | 14.2479% | 795 |
| Core capital (leverage) ratio | 13.2516% | 935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.9704% | 283 |
| Memoranda: | ||
| Average total assets | $182,318,667 | 3,055 |
| Average earning assets | $173,226,000 | 3,022 |
| Average equity | $27,024,000 | 2,644 |
| Average total loans | $51,481,667 | 4,111 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2414% | 4,849 |
| Cost of funding earning assets | 0.4569% | 4,129 |
| Net interest margin | 2.7846% | 4,584 |
| Noninterest income to average assets | 0.7478% | 1,469 |
| Noninterest expense to average assets | 2.2458% | 3,898 |
| Loan and lease loss provision to assets | 0.0182% | 3,563 |
| Net operating income to assets | 1.1240% | 1,770 |
| Return on assets (ROA) | 1.3999% | 1,058 |
| Pretax return on assets | 1.3999% | 1,567 |
| Return on Equity (ROE) | 9.2444% | 2,013 |
| Retained earnings to average equity (ytd only) | 3.7941% | 2,761 |
| Net charge-offs to loans | 0.0256% | 1,855 |
| Credit loss provision to net charge-offs | 266.6667% | 1,252 |
| Earnings coverage of net charge-offs (x) | 167.0000% | 393 |
| Efficiency ratio | 66.2853% | 2,913 |
| Assets per employee ($millions) | 5.8828% | 1,771 |
| Cash dividends to net income (ytd only)* | 58.9577% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 3,798 |
| Loan loss allowance to noncurrent loans | 506.3158% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.0538% | 4,322 |
| Noncurrent loans to loans | 0.1939% | 3,782 |
| Net loans and leases to total assets | 27.4875% | 4,939 |
| Net loans and leases to deposits | 32.9485% | 4,945 |
| Net loans and leases to core deposits | 33.2814% | 4,955 |
| Total domestic deposits to total assets | 83.4257% | 2,971 |
| Equity capital to assets | 15.7992% | 614 |
| Core capital (leverage) ratio | 14.0743% | 895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.5240% | 222 |
| Memoranda: | ||
| Average total assets | $175,439,000 | 3,080 |
| Average earning assets | $166,346,000 | 3,050 |
| Average equity | $26,567,500 | 2,667 |
| Average total loans | $46,863,000 | 4,210 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2595% | 4,980 |
| Cost of funding earning assets | 0.5390% | 3,927 |
| Net interest margin | 2.7204% | 4,826 |
| Noninterest income to average assets | 0.8676% | 1,254 |
| Noninterest expense to average assets | 2.1602% | 4,243 |
| Loan and lease loss provision to assets | 0.0176% | 3,662 |
| Net operating income to assets | 1.2856% | 1,746 |
| Return on assets (ROA) | 1.3061% | 1,744 |
| Pretax return on assets | 1.3061% | 2,491 |
| Return on Equity (ROE) | 9.3178% | 2,600 |
| Retained earnings to average equity (ytd only) | 2.9312% | 3,564 |
| Net charge-offs to loans | 0.0666% | 2,137 |
| Credit loss provision to net charge-offs | 96.7742% | 2,559 |
| Earnings coverage of net charge-offs (x) | 71.5161% | 874 |
| Efficiency ratio | 62.3727% | 3,309 |
| Assets per employee ($millions) | 6.2284% | 1,463 |
| Cash dividends to net income (ytd only)* | 68.5419% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0641% | 3,146 |
| Loan loss allowance to noncurrent loans | 2,163.6364% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 4,600 |
| Noncurrent loans to loans | 0.0492% | 4,350 |
| Net loans and leases to total assets | 25.3782% | 5,026 |
| Net loans and leases to deposits | 30.0014% | 5,036 |
| Net loans and leases to core deposits | 30.3031% | 5,044 |
| Total domestic deposits to total assets | 84.5901% | 2,648 |
| Equity capital to assets | 14.4799% | 940 |
| Core capital (leverage) ratio | 14.3383% | 840 |
| Tier 1 risk-based capital ratio | 34.1823% | 350 |
| Total risk-based capital ratio | 34.8587% | 360 |
| Memoranda: | ||
| Average total assets | $170,119,800 | 3,111 |
| Average earning assets | $162,327,000 | 3,065 |
| Average equity | $23,846,800 | 2,807 |
| Average total loans | $46,571,200 | 4,248 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3029% | 5,064 |
| Cost of funding earning assets | 0.5648% | 3,846 |
| Net interest margin | 2.7381% | 4,909 |
| Noninterest income to average assets | 0.8825% | 1,180 |
| Noninterest expense to average assets | 2.1839% | 4,210 |
| Loan and lease loss provision to assets | 0.0173% | 3,568 |
| Net operating income to assets | 1.3006% | 1,861 |
| Return on assets (ROA) | 1.3029% | 1,931 |
| Pretax return on assets | 1.3029% | 2,661 |
| Return on Equity (ROE) | 9.3746% | 2,731 |
| Retained earnings to average equity (ytd only) | 2.9622% | 3,898 |
| Net charge-offs to loans | 0.0794% | 1,688 |
| Credit loss provision to net charge-offs | 78.5714% | 2,522 |
| Earnings coverage of net charge-offs (x) | 59.6823% | 1,059 |
| Efficiency ratio | 62.3649% | 3,270 |
| Assets per employee ($millions) | 5.8931% | 1,679 |
| Cash dividends to net income (ytd only)* | 68.4020% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9538% | 3,811 |
| Loan loss allowance to noncurrent loans | 1,345.7143% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 4,637 |
| Noncurrent loans to loans | 0.0709% | 4,316 |
| Net loans and leases to total assets | 29.6424% | 5,056 |
| Net loans and leases to deposits | 35.2250% | 5,074 |
| Net loans and leases to core deposits | 35.6008% | 5,088 |
| Total domestic deposits to total assets | 84.1516% | 2,764 |
| Equity capital to assets | 15.1291% | 818 |
| Core capital (leverage) ratio | 14.6926% | 818 |
| Tier 1 risk-based capital ratio | 33.7108% | 380 |
| Total risk-based capital ratio | 34.3758% | 388 |
| Memoranda: | ||
| Average total assets | $169,051,250 | 3,152 |
| Average earning assets | $161,713,000 | 3,100 |
| Average equity | $23,495,500 | 2,850 |
| Average total loans | $47,030,500 | 4,289 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3211% | 5,117 |
| Cost of funding earning assets | 0.5840% | 3,730 |
| Net interest margin | 2.7371% | 4,973 |
| Noninterest income to average assets | 0.9296% | 1,007 |
| Noninterest expense to average assets | 2.1972% | 4,230 |
| Loan and lease loss provision to assets | 0.0176% | 3,442 |
| Net operating income to assets | 1.3333% | 1,641 |
| Return on assets (ROA) | 1.3228% | 1,741 |
| Pretax return on assets | 1.3228% | 2,464 |
| Return on Equity (ROE) | 9.7974% | 2,483 |
| Retained earnings to average equity (ytd only) | 2.9384% | 3,747 |
| Net charge-offs to loans | 0.1168% | 1,264 |
| Credit loss provision to net charge-offs | 55.5556% | 2,432 |
| Earnings coverage of net charge-offs (x) | 42.6296% | 1,202 |
| Efficiency ratio | 61.9252% | 3,446 |
| Assets per employee ($millions) | 5.9817% | 1,560 |
| Cash dividends to net income (ytd only)* | 70.0089% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9833% | 3,725 |
| Loan loss allowance to noncurrent loans | 1,788.4615% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 4,714 |
| Noncurrent loans to loans | 0.0550% | 4,437 |
| Net loans and leases to total assets | 27.9574% | 5,124 |
| Net loans and leases to deposits | 32.9807% | 5,139 |
| Net loans and leases to core deposits | 33.3920% | 5,154 |
| Total domestic deposits to total assets | 84.7690% | 2,573 |
| Equity capital to assets | 14.6328% | 912 |
| Core capital (leverage) ratio | 14.2912% | 880 |
| Tier 1 risk-based capital ratio | 33.4312% | 378 |
| Total risk-based capital ratio | 34.0873% | 391 |
| Memoranda: | ||
| Average total assets | $170,399,330 | 3,157 |
| Average earning assets | $163,018,330 | 3,103 |
| Average equity | $23,006,000 | 2,882 |
| Average total loans | $46,246,330 | 4,333 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3555% | 5,145 |
| Cost of funding earning assets | 0.6108% | 3,507 |
| Net interest margin | 2.7448% | 5,032 |
| Noninterest income to average assets | 1.0032% | 804 |
| Noninterest expense to average assets | 2.2112% | 4,235 |
| Loan and lease loss provision to assets | 0.0186% | 3,204 |
| Net operating income to assets | 1.3988% | 1,382 |
| Return on assets (ROA) | 1.4035% | 1,397 |
| Pretax return on assets | 1.4035% | 2,070 |
| Return on Equity (ROE) | 10.8380% | 2,010 |
| Retained earnings to average equity (ytd only) | 3.7385% | 3,427 |
| Net charge-offs to loans | 0.1487% | 879 |
| Credit loss provision to net charge-offs | 47.0588% | 1,994 |
| Earnings coverage of net charge-offs (x) | 35.8235% | 1,225 |
| Efficiency ratio | 60.9365% | 3,690 |
| Assets per employee ($millions) | 6.0378% | 1,517 |
| Cash dividends to net income (ytd only)* | 65.5058% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0021% | 3,694 |
| Loan loss allowance to noncurrent loans | 821.0526% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.0337% | 4,669 |
| Noncurrent loans to loans | 0.1221% | 4,196 |
| Net loans and leases to total assets | 27.3480% | 5,186 |
| Net loans and leases to deposits | 33.1688% | 5,179 |
| Net loans and leases to core deposits | 33.5893% | 5,194 |
| Total domestic deposits to total assets | 82.4510% | 3,602 |
| Equity capital to assets | 13.8349% | 1,097 |
| Core capital (leverage) ratio | 13.7315% | 1,016 |
| Tier 1 risk-based capital ratio | 33.2491% | 377 |
| Total risk-based capital ratio | 33.9096% | 389 |
| Memoranda: | ||
| Average total assets | $171,855,500 | 3,171 |
| Average earning assets | $164,385,500 | 3,121 |
| Average equity | $22,255,000 | 2,947 |
| Average total loans | $45,724,500 | 4,393 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1038% | 5,189 |
| Cost of funding earning assets | 0.5564% | 3,009 |
| Net interest margin | 2.5474% | 5,187 |
| Noninterest income to average assets | 0.6380% | 2,110 |
| Noninterest expense to average assets | 2.0161% | 4,723 |
| Loan and lease loss provision to assets | 0.0167% | 3,824 |
| Net operating income to assets | 1.0404% | 2,845 |
| Return on assets (ROA) | 1.0845% | 2,656 |
| Pretax return on assets | 1.0845% | 3,328 |
| Return on Equity (ROE) | 9.2723% | 2,847 |
| Retained earnings to average equity (ytd only) | 3.0924% | 3,850 |
| Net charge-offs to loans | 0.0025% | 3,653 |
| Credit loss provision to net charge-offs | 3,000.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 1,894.0000% | 52 |
| Efficiency ratio | 65.6012% | 2,933 |
| Assets per employee ($millions) | 6.2376% | 1,368 |
| Cash dividends to net income (ytd only)* | 66.6495% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0660% | 3,291 |
| Loan loss allowance to noncurrent loans | 518.4783% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 4,580 |
| Noncurrent loans to loans | 0.2056% | 3,845 |
| Net loans and leases to total assets | 25.3474% | 5,263 |
| Net loans and leases to deposits | 30.1113% | 5,265 |
| Net loans and leases to core deposits | 30.5357% | 5,270 |
| Total domestic deposits to total assets | 84.1789% | 2,945 |
| Equity capital to assets | 12.0931% | 1,826 |
| Core capital (leverage) ratio | 13.6574% | 1,024 |
| Tier 1 risk-based capital ratio | 31.5066% | 412 |
| Total risk-based capital ratio | 32.1501% | 427 |
| Memoranda: | ||
| Average total assets | $179,154,600 | 3,063 |
| Average earning assets | $171,274,200 | 3,010 |
| Average equity | $20,954,800 | 3,001 |
| Average total loans | $40,580,400 | 4,540 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0754% | 5,256 |
| Cost of funding earning assets | 0.5568% | 2,817 |
| Net interest margin | 2.5187% | 5,272 |
| Noninterest income to average assets | 0.5288% | 2,686 |
| Noninterest expense to average assets | 1.9761% | 4,780 |
| Loan and lease loss provision to assets | 0.0170% | 3,672 |
| Net operating income to assets | 0.9444% | 3,326 |
| Return on assets (ROA) | 1.0029% | 3,081 |
| Pretax return on assets | 1.0029% | 3,714 |
| Return on Equity (ROE) | 8.6450% | 3,264 |
| Retained earnings to average equity (ytd only) | 2.8689% | 4,286 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2709% | 2,668 |
| Assets per employee ($millions) | 6.0884% | 1,431 |
| Cash dividends to net income (ytd only)* | 66.8143% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2072% | 2,585 |
| Loan loss allowance to noncurrent loans | 796.6102% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.0346% | 4,811 |
| Noncurrent loans to loans | 0.1515% | 4,210 |
| Net loans and leases to total assets | 22.5618% | 5,364 |
| Net loans and leases to deposits | 26.8047% | 5,369 |
| Net loans and leases to core deposits | 27.2881% | 5,370 |
| Total domestic deposits to total assets | 84.1712% | 2,883 |
| Equity capital to assets | 11.6862% | 2,116 |
| Core capital (leverage) ratio | 13.4021% | 1,141 |
| Tier 1 risk-based capital ratio | 33.3872% | 358 |
| Total risk-based capital ratio | 34.0649% | 372 |
| Memoranda: | ||
| Average total assets | $180,280,000 | 3,071 |
| Average earning assets | $172,415,750 | 3,023 |
| Average equity | $20,913,250 | 3,026 |
| Average total loans | $39,538,750 | 4,611 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0516% | 5,312 |
| Cost of funding earning assets | 0.5616% | 2,506 |
| Net interest margin | 2.4900% | 5,351 |
| Noninterest income to average assets | 0.5328% | 2,671 |
| Noninterest expense to average assets | 1.9657% | 4,855 |
| Loan and lease loss provision to assets | 0.0163% | 3,560 |
| Net operating income to assets | 0.9327% | 3,313 |
| Return on assets (ROA) | 1.0188% | 2,939 |
| Pretax return on assets | 1.0188% | 3,604 |
| Return on Equity (ROE) | 8.8026% | 3,111 |
| Retained earnings to average equity (ytd only) | 3.0127% | 4,044 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4393% | 2,741 |
| Assets per employee ($millions) | 6.4845% | 1,182 |
| Cash dividends to net income (ytd only)* | 65.7754% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 3,072 |
| Loan loss allowance to noncurrent loans | 759.0164% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 4,851 |
| Noncurrent loans to loans | 0.1493% | 4,235 |
| Net loans and leases to total assets | 23.0653% | 5,417 |
| Net loans and leases to deposits | 27.3961% | 5,423 |
| Net loans and leases to core deposits | 27.8757% | 5,424 |
| Total domestic deposits to total assets | 84.1919% | 2,996 |
| Equity capital to assets | 11.6974% | 2,067 |
| Core capital (leverage) ratio | 13.1745% | 1,164 |
| Tier 1 risk-based capital ratio | 32.0236% | 407 |
| Total risk-based capital ratio | 32.6676% | 424 |
| Memoranda: | ||
| Average total assets | $183,548,670 | 3,064 |
| Average earning assets | $175,581,000 | 3,002 |
| Average equity | $21,243,670 | 2,996 |
| Average total loans | $39,741,000 | 4,649 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0167% | 5,361 |
| Cost of funding earning assets | 0.4965% | 2,823 |
| Net interest margin | 2.5202% | 5,378 |
| Noninterest income to average assets | 0.5006% | 2,795 |
| Noninterest expense to average assets | 1.9363% | 4,962 |
| Loan and lease loss provision to assets | 0.0170% | 3,311 |
| Net operating income to assets | 0.9586% | 3,038 |
| Return on assets (ROA) | 1.1055% | 2,412 |
| Pretax return on assets | 1.1055% | 3,157 |
| Return on Equity (ROE) | 9.5998% | 2,635 |
| Retained earnings to average equity (ytd only) | 3.6069% | 3,761 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4960% | 3,080 |
| Assets per employee ($millions) | 6.6842% | 1,099 |
| Cash dividends to net income (ytd only)* | 62.4277% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1231% | 3,240 |
| Loan loss allowance to noncurrent loans | 800.0000% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.0316% | 4,950 |
| Noncurrent loans to loans | 0.1404% | 4,336 |
| Net loans and leases to total assets | 22.2453% | 5,489 |
| Net loans and leases to deposits | 26.3717% | 5,487 |
| Net loans and leases to core deposits | 26.8029% | 5,486 |
| Total domestic deposits to total assets | 84.3529% | 3,166 |
| Equity capital to assets | 11.4487% | 2,174 |
| Core capital (leverage) ratio | 12.1680% | 1,551 |
| Tier 1 risk-based capital ratio | 31.5527% | 420 |
| Total risk-based capital ratio | 32.1810% | 437 |
| Memoranda: | ||
| Average total assets | $187,782,500 | 3,056 |
| Average earning assets | $179,667,500 | 2,997 |
| Average equity | $21,625,500 | 2,987 |
| Average total loans | $39,188,500 | 4,718 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9304% | 5,397 |
| Cost of funding earning assets | 0.5256% | 2,134 |
| Net interest margin | 2.4048% | 5,461 |
| Noninterest income to average assets | 0.4337% | 3,412 |
| Noninterest expense to average assets | 1.7773% | 5,258 |
| Loan and lease loss provision to assets | 0.0155% | 3,982 |
| Net operating income to assets | 0.9471% | 2,465 |
| Return on assets (ROA) | 1.0960% | 1,887 |
| Pretax return on assets | 1.0960% | 3,201 |
| Return on Equity (ROE) | 9.2162% | 2,203 |
| Retained earnings to average equity (ytd only) | 3.0344% | 3,487 |
| Net charge-offs to loans | 0.0024% | 4,019 |
| Credit loss provision to net charge-offs | 3,000.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 1,862.0000% | 35 |
| Efficiency ratio | 64.8679% | 3,468 |
| Assets per employee ($millions) | 7.2256% | 875 |
| Cash dividends to net income (ytd only)* | 67.0755% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 2,855 |
| Loan loss allowance to noncurrent loans | 630.9859% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 4,954 |
| Noncurrent loans to loans | 0.1880% | 4,166 |
| Net loans and leases to total assets | 19.1326% | 5,575 |
| Net loans and leases to deposits | 24.1553% | 5,572 |
| Net loans and leases to core deposits | 24.5438% | 5,573 |
| Total domestic deposits to total assets | 79.2066% | 4,499 |
| Equity capital to assets | 11.5787% | 2,131 |
| Core capital (leverage) ratio | 11.9118% | 1,658 |
| Tier 1 risk-based capital ratio | 31.2388% | 410 |
| Total risk-based capital ratio | 31.8552% | 437 |
| Memoranda: | ||
| Average total assets | $193,435,800 | 2,980 |
| Average earning assets | $185,506,200 | 2,908 |
| Average equity | $23,003,000 | 2,861 |
| Average total loans | $40,847,800 | 4,709 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9417% | 5,450 |
| Cost of funding earning assets | 0.5358% | 1,984 |
| Net interest margin | 2.4059% | 5,523 |
| Noninterest income to average assets | 0.4324% | 3,456 |
| Noninterest expense to average assets | 1.7849% | 5,288 |
| Loan and lease loss provision to assets | 0.0159% | 3,826 |
| Net operating income to assets | 0.9422% | 2,818 |
| Return on assets (ROA) | 1.1411% | 1,964 |
| Pretax return on assets | 1.1411% | 3,154 |
| Return on Equity (ROE) | 9.5324% | 2,333 |
| Retained earnings to average equity (ytd only) | 3.7507% | 3,692 |
| Net charge-offs to loans | 0.0032% | 3,626 |
| Credit loss provision to net charge-offs | 2,300.0000% | 184 |
| Earnings coverage of net charge-offs (x) | 1,390.4436% | 72 |
| Efficiency ratio | 65.0718% | 3,366 |
| Assets per employee ($millions) | 6.8491% | 1,007 |
| Cash dividends to net income (ytd only)* | 60.6540% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 3,435 |
| Loan loss allowance to noncurrent loans | 864.7059% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 5,109 |
| Noncurrent loans to loans | 0.1283% | 4,544 |
| Net loans and leases to total assets | 21.2565% | 5,631 |
| Net loans and leases to deposits | 27.2792% | 5,617 |
| Net loans and leases to core deposits | 27.7490% | 5,622 |
| Total domestic deposits to total assets | 77.9221% | 4,742 |
| Equity capital to assets | 12.8764% | 1,453 |
| Core capital (leverage) ratio | 12.3212% | 1,499 |
| Tier 1 risk-based capital ratio | 30.9564% | 440 |
| Total risk-based capital ratio | 31.5590% | 461 |
| Memoranda: | ||
| Average total assets | $193,022,000 | 3,013 |
| Average earning assets | $185,374,000 | 2,935 |
| Average equity | $23,106,500 | 2,867 |
| Average total loans | $41,616,250 | 4,726 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9323% | 5,486 |
| Cost of funding earning assets | 0.5501% | 1,778 |
| Net interest margin | 2.3822% | 5,577 |
| Noninterest income to average assets | 0.4036% | 3,669 |
| Noninterest expense to average assets | 1.7545% | 5,364 |
| Loan and lease loss provision to assets | 0.0153% | 3,648 |
| Net operating income to assets | 0.9217% | 2,797 |
| Return on assets (ROA) | 1.2160% | 1,589 |
| Pretax return on assets | 1.2160% | 2,718 |
| Return on Equity (ROE) | 10.4060% | 1,880 |
| Retained earnings to average equity (ytd only) | 5.1418% | 2,615 |
| Net charge-offs to loans | 0.0047% | 3,312 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 917.0000% | 76 |
| Efficiency ratio | 65.1860% | 3,475 |
| Assets per employee ($millions) | 6.8603% | 980 |
| Cash dividends to net income (ytd only)* | 50.5882% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0302% | 3,959 |
| Loan loss allowance to noncurrent loans | 1,139.4737% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 5,196 |
| Noncurrent loans to loans | 0.0904% | 4,765 |
| Net loans and leases to total assets | 22.4578% | 5,665 |
| Net loans and leases to deposits | 28.8717% | 5,646 |
| Net loans and leases to core deposits | 29.2653% | 5,655 |
| Total domestic deposits to total assets | 77.7851% | 4,851 |
| Equity capital to assets | 12.8799% | 1,430 |
| Core capital (leverage) ratio | 11.9125% | 1,684 |
| Tier 1 risk-based capital ratio | 29.5055% | 492 |
| Total risk-based capital ratio | 30.0709% | 504 |
| Memoranda: | ||
| Average total assets | $195,720,330 | 3,000 |
| Average earning assets | $187,975,330 | 2,934 |
| Average equity | $22,871,330 | 2,889 |
| Average total loans | $42,238,330 | 4,738 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9034% | 5,538 |
| Cost of funding earning assets | 0.5712% | 1,569 |
| Net interest margin | 2.3322% | 5,647 |
| Noninterest income to average assets | 0.3742% | 3,847 |
| Noninterest expense to average assets | 1.7077% | 5,469 |
| Loan and lease loss provision to assets | 0.0159% | 3,363 |
| Net operating income to assets | 0.8937% | 2,796 |
| Return on assets (ROA) | 1.1305% | 1,782 |
| Pretax return on assets | 1.1305% | 2,862 |
| Return on Equity (ROE) | 10.1526% | 1,905 |
| Retained earnings to average equity (ytd only) | 5.5232% | 2,585 |
| Net charge-offs to loans | 0.0094% | 2,643 |
| Credit loss provision to net charge-offs | 800.0000% | 390 |
| Earnings coverage of net charge-offs (x) | 457.0000% | 122 |
| Efficiency ratio | 65.2471% | 3,627 |
| Assets per employee ($millions) | 7.4442% | 777 |
| Cash dividends to net income (ytd only)* | 45.5986% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9775% | 4,410 |
| Loan loss allowance to noncurrent loans | 364.1026% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.0582% | 5,053 |
| Noncurrent loans to loans | 0.2685% | 4,151 |
| Net loans and leases to total assets | 21.4704% | 5,735 |
| Net loans and leases to deposits | 28.6787% | 5,696 |
| Net loans and leases to core deposits | 29.3295% | 5,701 |
| Total domestic deposits to total assets | 74.8653% | 5,343 |
| Equity capital to assets | 11.4835% | 2,195 |
| Core capital (leverage) ratio | 11.0934% | 2,274 |
| Tier 1 risk-based capital ratio | 27.6031% | 587 |
| Total risk-based capital ratio | 28.1300% | 621 |
| Memoranda: | ||
| Average total assets | $200,967,000 | 2,989 |
| Average earning assets | $193,290,500 | 2,895 |
| Average equity | $22,378,500 | 2,956 |
| Average total loans | $42,342,000 | 4,777 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7547% | 5,667 |
| Cost of funding earning assets | 0.5937% | 1,384 |
| Net interest margin | 2.1610% | 5,770 |
| Noninterest income to average assets | 0.3519% | 4,213 |
| Noninterest expense to average assets | 1.5870% | 5,655 |
| Loan and lease loss provision to assets | 0.0072% | 4,215 |
| Net operating income to assets | 0.8461% | 3,079 |
| Return on assets (ROA) | 0.8939% | 2,978 |
| Pretax return on assets | 0.8924% | 3,875 |
| Return on Equity (ROE) | 7.7962% | 3,057 |
| Retained earnings to average equity (ytd only) | 2.5679% | 4,058 |
| Net charge-offs to loans | 0.0159% | 3,768 |
| Credit loss provision to net charge-offs | 250.0000% | 1,154 |
| Earnings coverage of net charge-offs (x) | 294.1667% | 256 |
| Efficiency ratio | 65.0703% | 3,747 |
| Assets per employee ($millions) | 7.4423% | 751 |
| Cash dividends to net income (ytd only)* | 67.0626% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0194% | 4,198 |
| Loan loss allowance to noncurrent loans | 352.1008% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.0592% | 5,099 |
| Noncurrent loans to loans | 0.2895% | 4,113 |
| Net loans and leases to total assets | 20.2472% | 5,799 |
| Net loans and leases to deposits | 26.8323% | 5,773 |
| Net loans and leases to core deposits | 27.5287% | 5,777 |
| Total domestic deposits to total assets | 75.4585% | 5,301 |
| Equity capital to assets | 10.7872% | 2,829 |
| Core capital (leverage) ratio | 10.6027% | 2,769 |
| Tier 1 risk-based capital ratio | 26.9856% | 614 |
| Total risk-based capital ratio | 27.4994% | 656 |
| Memoranda: | ||
| Average total assets | $207,189,400 | 2,889 |
| Average earning assets | $200,092,800 | 2,789 |
| Average equity | $23,755,200 | 2,822 |
| Average total loans | $37,833,800 | 4,951 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7495% | 5,739 |
| Cost of funding earning assets | 0.5939% | 1,381 |
| Net interest margin | 2.1556% | 5,836 |
| Noninterest income to average assets | 0.3494% | 4,287 |
| Noninterest expense to average assets | 1.5731% | 5,707 |
| Loan and lease loss provision to assets | 0.0064% | 4,100 |
| Net operating income to assets | 0.8559% | 3,121 |
| Return on assets (ROA) | 0.9012% | 3,041 |
| Pretax return on assets | 0.8993% | 3,982 |
| Return on Equity (ROE) | 7.7499% | 3,146 |
| Retained earnings to average equity (ytd only) | 2.5595% | 4,379 |
| Net charge-offs to loans | 0.0036% | 3,801 |
| Credit loss provision to net charge-offs | 1,000.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 1,350.3459% | 44 |
| Efficiency ratio | 64.6457% | 3,830 |
| Assets per employee ($millions) | 7.4456% | 737 |
| Cash dividends to net income (ytd only)* | 66.9737% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0467% | 4,144 |
| Loan loss allowance to noncurrent loans | 544.1558% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 5,334 |
| Noncurrent loans to loans | 0.1924% | 4,580 |
| Net loans and leases to total assets | 19.0001% | 5,883 |
| Net loans and leases to deposits | 27.1805% | 5,838 |
| Net loans and leases to core deposits | 28.0448% | 5,844 |
| Total domestic deposits to total assets | 69.9033% | 5,701 |
| Equity capital to assets | 12.2358% | 1,953 |
| Core capital (leverage) ratio | 10.5468% | 2,939 |
| Tier 1 risk-based capital ratio | 26.9398% | 646 |
| Total risk-based capital ratio | 27.4561% | 682 |
| Memoranda: | ||
| Average total assets | $208,751,500 | 2,881 |
| Average earning assets | $201,824,000 | 2,782 |
| Average equity | $24,275,000 | 2,796 |
| Average total loans | $37,016,250 | 5,024 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7734% | 5,811 |
| Cost of funding earning assets | 0.5822% | 1,456 |
| Net interest margin | 2.1912% | 5,904 |
| Noninterest income to average assets | 0.3448% | 4,315 |
| Noninterest expense to average assets | 1.5801% | 5,774 |
| Loan and lease loss provision to assets | 0.0048% | 3,958 |
| Net operating income to assets | 0.8820% | 2,958 |
| Return on assets (ROA) | 0.9500% | 2,766 |
| Pretax return on assets | 0.9471% | 3,784 |
| Return on Equity (ROE) | 8.3139% | 2,828 |
| Retained earnings to average equity (ytd only) | 2.5646% | 4,258 |
| Net charge-offs to loans | 0.0056% | 3,507 |
| Credit loss provision to net charge-offs | 500.0000% | 645 |
| Earnings coverage of net charge-offs (x) | 923.0000% | 54 |
| Efficiency ratio | 64.1275% | 3,996 |
| Assets per employee ($millions) | 7.3194% | 757 |
| Cash dividends to net income (ytd only)* | 69.1532% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0672% | 4,123 |
| Loan loss allowance to noncurrent loans | 485.8824% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 5,410 |
| Noncurrent loans to loans | 0.2196% | 4,557 |
| Net loans and leases to total assets | 18.6812% | 5,958 |
| Net loans and leases to deposits | 26.7528% | 5,918 |
| Net loans and leases to core deposits | 27.6713% | 5,917 |
| Total domestic deposits to total assets | 69.8288% | 5,789 |
| Equity capital to assets | 12.2394% | 1,949 |
| Core capital (leverage) ratio | 10.4195% | 3,054 |
| Tier 1 risk-based capital ratio | 27.0962% | 642 |
| Total risk-based capital ratio | 27.6119% | 685 |
| Memoranda: | ||
| Average total assets | $208,842,670 | 2,899 |
| Average earning assets | $201,992,670 | 2,794 |
| Average equity | $23,863,670 | 2,847 |
| Average total loans | $36,011,670 | 5,107 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7847% | 5,864 |
| Cost of funding earning assets | 0.5754% | 1,508 |
| Net interest margin | 2.2093% | 5,960 |
| Noninterest income to average assets | 0.3397% | 4,301 |
| Noninterest expense to average assets | 1.5864% | 5,841 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8881% | 2,817 |
| Return on assets (ROA) | 1.0076% | 2,357 |
| Pretax return on assets | 1.0076% | 3,451 |
| Return on Equity (ROE) | 9.1341% | 2,352 |
| Retained earnings to average equity (ytd only) | 2.9071% | 4,062 |
| Net charge-offs to loans | -0.0115% | 4,589 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1104% | 4,107 |
| Assets per employee ($millions) | 7.4593% | 720 |
| Cash dividends to net income (ytd only)* | 68.1733% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1865% | 3,561 |
| Loan loss allowance to noncurrent loans | 708.6207% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.0278% | 5,528 |
| Noncurrent loans to loans | 0.1674% | 4,824 |
| Net loans and leases to total assets | 16.3884% | 6,029 |
| Net loans and leases to deposits | 23.1310% | 5,996 |
| Net loans and leases to core deposits | 23.9399% | 6,005 |
| Total domestic deposits to total assets | 70.8505% | 5,831 |
| Equity capital to assets | 11.4579% | 2,479 |
| Core capital (leverage) ratio | 10.1348% | 3,386 |
| Tier 1 risk-based capital ratio | 27.4590% | 644 |
| Total risk-based capital ratio | 27.9823% | 678 |
| Memoranda: | ||
| Average total assets | $210,792,000 | 2,886 |
| Average earning assets | $203,683,000 | 2,781 |
| Average equity | $23,253,500 | 2,899 |
| Average total loans | $34,668,000 | 5,190 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7604% | 5,907 |
| Cost of funding earning assets | 0.6191% | 1,241 |
| Net interest margin | 2.1413% | 6,008 |
| Noninterest income to average assets | 0.4104% | 3,950 |
| Noninterest expense to average assets | 1.5128% | 5,977 |
| Loan and lease loss provision to assets | 0.0071% | 4,256 |
| Net operating income to assets | 0.9490% | 2,617 |
| Return on assets (ROA) | 1.0241% | 2,322 |
| Pretax return on assets | 1.0241% | 3,367 |
| Return on Equity (ROE) | 9.3689% | 2,283 |
| Retained earnings to average equity (ytd only) | 2.8506% | 4,036 |
| Net charge-offs to loans | -0.0031% | 4,918 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2736% | 4,718 |
| Assets per employee ($millions) | 7.8786% | 591 |
| Cash dividends to net income (ytd only)* | 69.5733% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1817% | 3,581 |
| Loan loss allowance to noncurrent loans | 445.6522% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.0432% | 5,507 |
| Noncurrent loans to loans | 0.2652% | 4,495 |
| Net loans and leases to total assets | 16.1177% | 6,098 |
| Net loans and leases to deposits | 22.5024% | 6,064 |
| Net loans and leases to core deposits | 23.2645% | 6,067 |
| Total domestic deposits to total assets | 71.6265% | 5,816 |
| Equity capital to assets | 10.6129% | 3,231 |
| Core capital (leverage) ratio | 10.0957% | 3,387 |
| Tier 1 risk-based capital ratio | 26.9131% | 671 |
| Total risk-based capital ratio | 27.4288% | 707 |
| Memoranda: | ||
| Average total assets | $210,534,600 | 2,838 |
| Average earning assets | $202,400,000 | 2,755 |
| Average equity | $23,012,400 | 2,877 |
| Average total loans | $31,816,200 | 5,303 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7648% | 5,982 |
| Cost of funding earning assets | 0.6292% | 1,220 |
| Net interest margin | 2.1356% | 6,088 |
| Noninterest income to average assets | 0.4286% | 3,878 |
| Noninterest expense to average assets | 1.5105% | 6,040 |
| Loan and lease loss provision to assets | 0.0063% | 4,130 |
| Net operating income to assets | 0.9632% | 2,653 |
| Return on assets (ROA) | 1.0635% | 2,249 |
| Pretax return on assets | 1.0635% | 3,357 |
| Return on Equity (ROE) | 9.6589% | 2,238 |
| Retained earnings to average equity (ytd only) | 3.0966% | 4,249 |
| Net charge-offs to loans | -0.0043% | 4,810 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9063% | 4,751 |
| Assets per employee ($millions) | 7.9396% | 557 |
| Cash dividends to net income (ytd only)* | 67.9404% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1997% | 3,664 |
| Loan loss allowance to noncurrent loans | 455.0562% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 5,614 |
| Noncurrent loans to loans | 0.2636% | 4,633 |
| Net loans and leases to total assets | 15.5592% | 6,190 |
| Net loans and leases to deposits | 22.4706% | 6,153 |
| Net loans and leases to core deposits | 23.2507% | 6,158 |
| Total domestic deposits to total assets | 69.2426% | 5,997 |
| Equity capital to assets | 11.0278% | 2,993 |
| Core capital (leverage) ratio | 10.3135% | 3,242 |
| Tier 1 risk-based capital ratio | 27.5497% | 647 |
| Total risk-based capital ratio | 28.0741% | 682 |
| Memoranda: | ||
| Average total assets | $209,987,500 | 2,865 |
| Average earning assets | $201,719,000 | 2,782 |
| Average equity | $23,121,500 | 2,890 |
| Average total loans | $31,096,250 | 5,382 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8174% | 6,000 |
| Cost of funding earning assets | 0.6333% | 1,211 |
| Net interest margin | 2.1841% | 6,152 |
| Noninterest income to average assets | 0.3779% | 4,247 |
| Noninterest expense to average assets | 1.5336% | 6,096 |
| Loan and lease loss provision to assets | 0.0048% | 3,997 |
| Net operating income to assets | 0.9332% | 2,716 |
| Return on assets (ROA) | 1.0272% | 2,366 |
| Pretax return on assets | 1.0272% | 3,469 |
| Return on Equity (ROE) | 9.3339% | 2,373 |
| Retained earnings to average equity (ytd only) | 2.6843% | 4,351 |
| Net charge-offs to loans | -0.0066% | 4,809 |
| Credit loss provision to net charge-offs | -500.0000% | 5,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0489% | 4,673 |
| Assets per employee ($millions) | 7.5934% | 642 |
| Cash dividends to net income (ytd only)* | 71.2418% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 3,547 |
| Loan loss allowance to noncurrent loans | 588.2353% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.0332% | 5,733 |
| Noncurrent loans to loans | 0.2112% | 4,925 |
| Net loans and leases to total assets | 15.5090% | 6,261 |
| Net loans and leases to deposits | 22.5918% | 6,224 |
| Net loans and leases to core deposits | 23.4189% | 6,222 |
| Total domestic deposits to total assets | 68.6489% | 6,090 |
| Equity capital to assets | 10.9124% | 2,979 |
| Core capital (leverage) ratio | 10.1774% | 3,364 |
| Tier 1 risk-based capital ratio | 27.8669% | 650 |
| Total risk-based capital ratio | 28.3965% | 681 |
| Memoranda: | ||
| Average total assets | $208,527,330 | 2,908 |
| Average earning assets | $199,901,000 | 2,820 |
| Average equity | $22,948,670 | 2,918 |
| Average total loans | $30,208,670 | 5,465 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8428% | 6,042 |
| Cost of funding earning assets | 0.6273% | 1,250 |
| Net interest margin | 2.2155% | 6,199 |
| Noninterest income to average assets | 0.3633% | 4,306 |
| Noninterest expense to average assets | 1.5294% | 6,164 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9568% | 2,468 |
| Return on assets (ROA) | 1.1432% | 1,824 |
| Pretax return on assets | 1.1432% | 2,890 |
| Return on Equity (ROE) | 10.3458% | 1,850 |
| Retained earnings to average equity (ytd only) | 2.7715% | 4,293 |
| Net charge-offs to loans | -0.0137% | 4,870 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5149% | 4,876 |
| Assets per employee ($millions) | 7.8318% | 588 |
| Cash dividends to net income (ytd only)* | 73.2113% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3531% | 3,133 |
| Loan loss allowance to noncurrent loans | 443.8202% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 5,772 |
| Noncurrent loans to loans | 0.3049% | 4,698 |
| Net loans and leases to total assets | 13.6187% | 6,336 |
| Net loans and leases to deposits | 19.7983% | 6,308 |
| Net loans and leases to core deposits | 20.4975% | 6,308 |
| Total domestic deposits to total assets | 68.7873% | 6,174 |
| Equity capital to assets | 11.1705% | 2,788 |
| Core capital (leverage) ratio | 9.2118% | 4,694 |
| Tier 1 risk-based capital ratio | 25.8051% | 806 |
| Total risk-based capital ratio | 26.3340% | 859 |
| Memoranda: | ||
| Average total assets | $210,279,500 | 2,907 |
| Average earning assets | $201,492,000 | 2,817 |
| Average equity | $23,236,500 | 2,909 |
| Average total loans | $29,214,500 | 5,553 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0575% | 6,003 |
| Cost of funding earning assets | 0.6460% | 1,434 |
| Net interest margin | 2.4115% | 6,221 |
| Noninterest income to average assets | 0.3841% | 4,302 |
| Noninterest expense to average assets | 1.5285% | 6,281 |
| Loan and lease loss provision to assets | 0.0049% | 4,516 |
| Net operating income to assets | 1.1752% | 1,656 |
| Return on assets (ROA) | 1.4407% | 1,033 |
| Pretax return on assets | 1.4407% | 1,754 |
| Return on Equity (ROE) | 13.9289% | 945 |
| Retained earnings to average equity (ytd only) | 3.2699% | 3,904 |
| Net charge-offs to loans | 0.0036% | 4,886 |
| Credit loss provision to net charge-offs | 1,000.0000% | 268 |
| Earnings coverage of net charge-offs (x) | 2,418.0000% | 10 |
| Efficiency ratio | 56.4324% | 5,628 |
| Assets per employee ($millions) | 7.7444% | 593 |
| Cash dividends to net income (ytd only)* | 76.5244% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3477% | 3,182 |
| Loan loss allowance to noncurrent loans | 317.7419% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 5,776 |
| Noncurrent loans to loans | 0.4241% | 4,364 |
| Net loans and leases to total assets | 13.7934% | 6,428 |
| Net loans and leases to deposits | 20.1821% | 6,405 |
| Net loans and leases to core deposits | 20.9065% | 6,396 |
| Total domestic deposits to total assets | 68.3448% | 6,254 |
| Equity capital to assets | 10.9287% | 2,974 |
| Core capital (leverage) ratio | 10.0448% | 3,512 |
| Tier 1 risk-based capital ratio | 27.6491% | 634 |
| Total risk-based capital ratio | 28.1744% | 670 |
| Memoranda: | ||
| Average total assets | $204,901,800 | 2,934 |
| Average earning assets | $197,514,200 | 2,832 |
| Average equity | $21,193,400 | 3,031 |
| Average total loans | $28,023,400 | 5,653 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0917% | 6,040 |
| Cost of funding earning assets | 0.6468% | 1,477 |
| Net interest margin | 2.4450% | 6,270 |
| Noninterest income to average assets | 0.3931% | 4,300 |
| Noninterest expense to average assets | 1.5442% | 6,327 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2126% | 1,635 |
| Return on assets (ROA) | 1.5684% | 845 |
| Pretax return on assets | 1.5684% | 1,425 |
| Return on Equity (ROE) | 15.3871% | 758 |
| Retained earnings to average equity (ytd only) | 4.4083% | 3,516 |
| Net charge-offs to loans | -0.0048% | 5,290 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0142% | 5,662 |
| Assets per employee ($millions) | 7.1420% | 758 |
| Cash dividends to net income (ytd only)* | 71.3513% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4060% | 3,142 |
| Loan loss allowance to noncurrent loans | 285.9259% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.0652% | 5,891 |
| Noncurrent loans to loans | 0.4917% | 4,440 |
| Net loans and leases to total assets | 13.0689% | 6,515 |
| Net loans and leases to deposits | 19.2191% | 6,496 |
| Net loans and leases to core deposits | 19.9547% | 6,492 |
| Total domestic deposits to total assets | 67.9997% | 6,350 |
| Equity capital to assets | 10.4883% | 3,580 |
| Core capital (leverage) ratio | 10.2077% | 3,401 |
| Tier 1 risk-based capital ratio | 29.0483% | 577 |
| Total risk-based capital ratio | 29.5891% | 603 |
| Memoranda: | ||
| Average total assets | $203,852,250 | 2,969 |
| Average earning assets | $197,080,250 | 2,863 |
| Average equity | $20,778,750 | 3,084 |
| Average total loans | $27,720,250 | 5,716 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1755% | 5,980 |
| Cost of funding earning assets | 0.6508% | 1,508 |
| Net interest margin | 2.5247% | 6,246 |
| Noninterest income to average assets | 0.3837% | 4,378 |
| Noninterest expense to average assets | 1.5792% | 6,377 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2418% | 1,472 |
| Return on assets (ROA) | 1.7784% | 527 |
| Pretax return on assets | 1.7784% | 881 |
| Return on Equity (ROE) | 17.6212% | 497 |
| Retained earnings to average equity (ytd only) | 6.2549% | 2,181 |
| Net charge-offs to loans | -0.0072% | 5,246 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9790% | 5,748 |
| Assets per employee ($millions) | 6.7086% | 917 |
| Cash dividends to net income (ytd only)* | 64.5036% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3951% | 3,379 |
| Loan loss allowance to noncurrent loans | 327.1186% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.0586% | 6,003 |
| Noncurrent loans to loans | 0.4265% | 4,714 |
| Net loans and leases to total assets | 13.5557% | 6,576 |
| Net loans and leases to deposits | 20.3891% | 6,549 |
| Net loans and leases to core deposits | 21.2097% | 6,544 |
| Total domestic deposits to total assets | 66.4853% | 6,470 |
| Equity capital to assets | 10.9422% | 2,933 |
| Core capital (leverage) ratio | 10.2187% | 3,312 |
| Tier 1 risk-based capital ratio | 29.0395% | 575 |
| Total risk-based capital ratio | 29.5813% | 609 |
| Memoranda: | ||
| Average total assets | $202,764,000 | 3,002 |
| Average earning assets | $195,746,000 | 2,888 |
| Average equity | $20,464,000 | 3,122 |
| Average total loans | $27,809,000 | 5,758 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1725% | 6,044 |
| Cost of funding earning assets | 0.6484% | 1,592 |
| Net interest margin | 2.5241% | 6,313 |
| Noninterest income to average assets | 0.4167% | 4,056 |
| Noninterest expense to average assets | 1.5940% | 6,434 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2559% | 1,328 |
| Return on assets (ROA) | 1.9320% | 394 |
| Pretax return on assets | 1.9320% | 610 |
| Return on Equity (ROE) | 19.9746% | 287 |
| Retained earnings to average equity (ytd only) | 5.5474% | 2,766 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9310% | 5,843 |
| Assets per employee ($millions) | 6.7922% | 886 |
| Cash dividends to net income (ytd only)* | 72.2279% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3393% | 3,911 |
| Loan loss allowance to noncurrent loans | 437.5000% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.0432% | 6,159 |
| Noncurrent loans to loans | 0.3061% | 5,195 |
| Net loans and leases to total assets | 13.9183% | 6,643 |
| Net loans and leases to deposits | 21.0310% | 6,610 |
| Net loans and leases to core deposits | 21.8271% | 6,603 |
| Total domestic deposits to total assets | 66.1800% | 6,554 |
| Equity capital to assets | 9.9457% | 3,905 |
| Core capital (leverage) ratio | 9.9510% | 3,635 |
| Tier 1 risk-based capital ratio | 28.1077% | 637 |
| Total risk-based capital ratio | 28.6402% | 674 |
| Memoranda: | ||
| Average total assets | $203,517,000 | 3,017 |
| Average earning assets | $196,187,500 | 2,894 |
| Average equity | $19,685,000 | 3,203 |
| Average total loans | $27,879,500 | 5,807 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9164% | 6,413 |
| Cost of funding earning assets | 0.6568% | 2,154 |
| Net interest margin | 2.2596% | 6,549 |
| Noninterest income to average assets | 0.4975% | 3,781 |
| Noninterest expense to average assets | 1.5982% | 6,516 |
| Loan and lease loss provision to assets | 0.0051% | 5,024 |
| Net operating income to assets | 1.0713% | 2,034 |
| Return on assets (ROA) | 1.1866% | 1,685 |
| Pretax return on assets | 1.1871% | 2,632 |
| Return on Equity (ROE) | 11.1999% | 1,703 |
| Retained earnings to average equity (ytd only) | 3.3356% | 3,859 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7430% | 5,503 |
| Assets per employee ($millions) | 6.7756% | 863 |
| Cash dividends to net income (ytd only)* | 70.2173% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 3,532 |
| Loan loss allowance to noncurrent loans | 392.8571% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.0482% | 6,229 |
| Noncurrent loans to loans | 0.3628% | 5,102 |
| Net loans and leases to total assets | 13.1000% | 6,734 |
| Net loans and leases to deposits | 19.5775% | 6,708 |
| Net loans and leases to core deposits | 20.3109% | 6,698 |
| Total domestic deposits to total assets | 66.9135% | 6,613 |
| Equity capital to assets | 9.3985% | 4,546 |
| Core capital (leverage) ratio | 10.0162% | 3,541 |
| Tier 1 risk-based capital ratio | 28.0317% | 608 |
| Total risk-based capital ratio | 28.5700% | 637 |
| Memoranda: | ||
| Average total assets | $197,789,000 | 3,056 |
| Average earning assets | $190,608,800 | 2,946 |
| Average equity | $20,955,600 | 3,051 |
| Average total loans | $26,917,000 | 5,893 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8304% | 6,552 |
| Cost of funding earning assets | 0.6594% | 2,271 |
| Net interest margin | 2.1710% | 6,664 |
| Noninterest income to average assets | 0.4127% | 4,431 |
| Noninterest expense to average assets | 1.5395% | 6,609 |
| Loan and lease loss provision to assets | 0.0034% | 4,889 |
| Net operating income to assets | 0.9632% | 2,530 |
| Return on assets (ROA) | 1.1180% | 2,011 |
| Pretax return on assets | 1.1187% | 3,022 |
| Return on Equity (ROE) | 10.2526% | 2,082 |
| Retained earnings to average equity (ytd only) | 4.0089% | 3,842 |
| Net charge-offs to loans | -0.0099% | 5,890 |
| Credit loss provision to net charge-offs | -250.0000% | 5,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4135% | 5,214 |
| Assets per employee ($millions) | 6.5553% | 909 |
| Cash dividends to net income (ytd only)* | 60.8985% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4597% | 3,641 |
| Loan loss allowance to noncurrent loans | 636.6667% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 6,388 |
| Noncurrent loans to loans | 0.2293% | 5,658 |
| Net loans and leases to total assets | 13.1125% | 6,814 |
| Net loans and leases to deposits | 19.2325% | 6,794 |
| Net loans and leases to core deposits | 19.9622% | 6,791 |
| Total domestic deposits to total assets | 68.1789% | 6,659 |
| Equity capital to assets | 10.6128% | 3,148 |
| Core capital (leverage) ratio | 10.3448% | 3,177 |
| Tier 1 risk-based capital ratio | 28.8325% | 576 |
| Total risk-based capital ratio | 29.3833% | 611 |
| Memoranda: | ||
| Average total assets | $196,419,500 | 3,094 |
| Average earning assets | $189,461,500 | 2,981 |
| Average equity | $21,418,500 | 3,026 |
| Average total loans | $26,893,000 | 5,950 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7918% | 6,614 |
| Cost of funding earning assets | 0.6639% | 2,369 |
| Net interest margin | 2.1280% | 6,721 |
| Noninterest income to average assets | 0.3830% | 4,646 |
| Noninterest expense to average assets | 1.5412% | 6,648 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8913% | 2,842 |
| Return on assets (ROA) | 1.0156% | 2,390 |
| Pretax return on assets | 1.0166% | 3,431 |
| Return on Equity (ROE) | 9.2311% | 2,529 |
| Retained earnings to average equity (ytd only) | 2.8239% | 4,518 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3319% | 4,955 |
| Assets per employee ($millions) | 6.4122% | 951 |
| Cash dividends to net income (ytd only)* | 69.4082% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3085% | 4,465 |
| Loan loss allowance to noncurrent loans | 543.4783% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.0359% | 6,409 |
| Noncurrent loans to loans | 0.2408% | 5,700 |
| Net loans and leases to total assets | 14.7033% | 6,852 |
| Net loans and leases to deposits | 21.4443% | 6,824 |
| Net loans and leases to core deposits | 22.3148% | 6,820 |
| Total domestic deposits to total assets | 68.5650% | 6,705 |
| Equity capital to assets | 9.8651% | 4,102 |
| Core capital (leverage) ratio | 10.0264% | 3,472 |
| Tier 1 risk-based capital ratio | 27.6577% | 652 |
| Total risk-based capital ratio | 28.1854% | 688 |
| Memoranda: | ||
| Average total assets | $196,339,670 | 3,111 |
| Average earning assets | $189,193,670 | 3,002 |
| Average equity | $21,601,000 | 3,027 |
| Average total loans | $27,134,330 | 5,975 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7452% | 6,713 |
| Cost of funding earning assets | 0.6543% | 2,618 |
| Net interest margin | 2.0909% | 6,815 |
| Noninterest income to average assets | 0.3772% | 4,650 |
| Noninterest expense to average assets | 1.5328% | 6,713 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8531% | 2,888 |
| Return on assets (ROA) | 0.8531% | 3,025 |
| Pretax return on assets | 0.8552% | 3,937 |
| Return on Equity (ROE) | 7.3845% | 3,276 |
| Retained earnings to average equity (ytd only) | 2.6361% | 4,703 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1892% | 4,981 |
| Assets per employee ($millions) | 6.8326% | 831 |
| Cash dividends to net income (ytd only)* | 64.3026% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4322% | 4,080 |
| Loan loss allowance to noncurrent loans | 520.8333% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 6,499 |
| Noncurrent loans to loans | 0.2750% | 5,714 |
| Net loans and leases to total assets | 13.0248% | 6,936 |
| Net loans and leases to deposits | 19.3025% | 6,909 |
| Net loans and leases to core deposits | 19.9955% | 6,907 |
| Total domestic deposits to total assets | 67.4774% | 6,819 |
| Equity capital to assets | 11.5385% | 2,376 |
| Core capital (leverage) ratio | 9.9200% | 3,502 |
| Tier 1 risk-based capital ratio | 28.1239% | 634 |
| Total risk-based capital ratio | 28.6648% | 668 |
| Memoranda: | ||
| Average total assets | $198,327,000 | 3,115 |
| Average earning assets | $190,735,500 | 3,004 |
| Average equity | $22,913,000 | 2,935 |
| Average total loans | $26,372,000 | 6,052 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0118% | 6,766 |
| Cost of funding earning assets | 0.9077% | 1,894 |
| Net interest margin | 2.1041% | 6,898 |
| Noninterest income to average assets | 0.4880% | 3,977 |
| Noninterest expense to average assets | 1.5393% | 6,844 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9745% | 2,443 |
| Return on assets (ROA) | 1.0056% | 2,531 |
| Pretax return on assets | 1.0056% | 3,528 |
| Return on Equity (ROE) | 8.5369% | 2,852 |
| Retained earnings to average equity (ytd only) | 2.5624% | 4,423 |
| Net charge-offs to loans | -0.0832% | 6,791 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2338% | 5,350 |
| Assets per employee ($millions) | 6.8451% | 833 |
| Cash dividends to net income (ytd only)* | 69.9845% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4118% | 4,119 |
| Loan loss allowance to noncurrent loans | 378.7879% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 6,511 |
| Noncurrent loans to loans | 0.3727% | 5,562 |
| Net loans and leases to total assets | 13.1913% | 6,993 |
| Net loans and leases to deposits | 19.6198% | 6,974 |
| Net loans and leases to core deposits | 20.3241% | 6,972 |
| Total domestic deposits to total assets | 67.2347% | 6,875 |
| Equity capital to assets | 11.5677% | 2,377 |
| Core capital (leverage) ratio | 9.8675% | 3,584 |
| Tier 1 risk-based capital ratio | 27.5796% | 653 |
| Total risk-based capital ratio | 28.1141% | 697 |
| Memoranda: | ||
| Average total assets | $192,819,800 | 3,141 |
| Average earning assets | $185,633,800 | 3,021 |
| Average equity | $22,713,200 | 2,886 |
| Average total loans | $26,436,800 | 6,116 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0474% | 6,874 |
| Cost of funding earning assets | 0.9443% | 1,880 |
| Net interest margin | 2.1032% | 7,010 |
| Noninterest income to average assets | 0.4883% | 3,994 |
| Noninterest expense to average assets | 1.5409% | 6,918 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9753% | 2,634 |
| Return on assets (ROA) | 0.9753% | 2,855 |
| Pretax return on assets | 0.9753% | 3,806 |
| Return on Equity (ROE) | 8.2409% | 3,167 |
| Retained earnings to average equity (ytd only) | 2.9079% | 4,813 |
| Net charge-offs to loans | -0.1212% | 6,903 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2403% | 5,270 |
| Assets per employee ($millions) | 6.7310% | 845 |
| Cash dividends to net income (ytd only)* | 64.7143% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4065% | 4,348 |
| Loan loss allowance to noncurrent loans | 238.6076% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.0809% | 6,538 |
| Noncurrent loans to loans | 0.5895% | 5,261 |
| Net loans and leases to total assets | 13.5386% | 7,093 |
| Net loans and leases to deposits | 20.4205% | 7,070 |
| Net loans and leases to core deposits | 21.1753% | 7,069 |
| Total domestic deposits to total assets | 66.2988% | 6,971 |
| Equity capital to assets | 12.4043% | 1,962 |
| Core capital (leverage) ratio | 9.9828% | 3,569 |
| Tier 1 risk-based capital ratio | 27.7724% | 678 |
| Total risk-based capital ratio | 28.3160% | 720 |
| Memoranda: | ||
| Average total assets | $191,397,500 | 3,190 |
| Average earning assets | $184,544,000 | 3,060 |
| Average equity | $22,650,750 | 2,915 |
| Average total loans | $26,405,750 | 6,194 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0663% | 6,950 |
| Cost of funding earning assets | 0.9646% | 1,967 |
| Net interest margin | 2.1018% | 7,075 |
| Noninterest income to average assets | 0.5228% | 3,764 |
| Noninterest expense to average assets | 1.5726% | 6,954 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9741% | 2,575 |
| Return on assets (ROA) | 0.9741% | 2,811 |
| Pretax return on assets | 0.9741% | 3,807 |
| Return on Equity (ROE) | 8.3687% | 3,079 |
| Retained earnings to average equity (ytd only) | 3.1089% | 4,564 |
| Net charge-offs to loans | -0.1827% | 6,979 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7513% | 5,288 |
| Assets per employee ($millions) | 6.3594% | 1,033 |
| Cash dividends to net income (ytd only)* | 62.8510% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3940% | 4,493 |
| Loan loss allowance to noncurrent loans | 299.2063% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.0660% | 6,652 |
| Noncurrent loans to loans | 0.4659% | 5,602 |
| Net loans and leases to total assets | 13.9782% | 7,154 |
| Net loans and leases to deposits | 21.1165% | 7,123 |
| Net loans and leases to core deposits | 22.4274% | 7,119 |
| Total domestic deposits to total assets | 66.1956% | 7,043 |
| Equity capital to assets | 11.9785% | 2,166 |
| Core capital (leverage) ratio | 10.0767% | 3,310 |
| Tier 1 risk-based capital ratio | 27.6422% | 678 |
| Total risk-based capital ratio | 28.1875% | 716 |
| Memoranda: | ||
| Average total assets | $190,130,670 | 3,215 |
| Average earning assets | $183,084,670 | 3,085 |
| Average equity | $22,130,000 | 2,970 |
| Average total loans | $26,273,000 | 6,244 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0605% | 7,026 |
| Cost of funding earning assets | 0.9764% | 2,125 |
| Net interest margin | 2.0841% | 7,135 |
| Noninterest income to average assets | 0.6133% | 3,147 |
| Noninterest expense to average assets | 1.5953% | 6,978 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0242% | 2,386 |
| Return on assets (ROA) | 1.0242% | 2,574 |
| Pretax return on assets | 1.0242% | 3,592 |
| Return on Equity (ROE) | 8.9303% | 2,861 |
| Retained earnings to average equity (ytd only) | 3.9323% | 4,229 |
| Net charge-offs to loans | -0.3399% | 7,091 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9010% | 5,469 |
| Assets per employee ($millions) | 6.3278% | 1,073 |
| Cash dividends to net income (ytd only)* | 55.9671% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4448% | 4,401 |
| Loan loss allowance to noncurrent loans | 357.1429% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 6,756 |
| Noncurrent loans to loans | 0.4045% | 5,863 |
| Net loans and leases to total assets | 13.4749% | 7,213 |
| Net loans and leases to deposits | 20.2945% | 7,187 |
| Net loans and leases to core deposits | 21.5538% | 7,183 |
| Total domestic deposits to total assets | 66.3970% | 7,097 |
| Equity capital to assets | 11.6249% | 2,327 |
| Core capital (leverage) ratio | 10.0541% | 3,306 |
| Tier 1 risk-based capital ratio | 27.7330% | 664 |
| Total risk-based capital ratio | 28.2809% | 713 |
| Memoranda: | ||
| Average total assets | $189,804,500 | 3,234 |
| Average earning assets | $182,714,000 | 3,115 |
| Average equity | $21,768,500 | 3,003 |
| Average total loans | $25,887,000 | 6,314 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3675% | 7,071 |
| Cost of funding earning assets | 1.0927% | 2,720 |
| Net interest margin | 2.2748% | 7,152 |
| Noninterest income to average assets | 0.4906% | 3,919 |
| Noninterest expense to average assets | 1.7062% | 7,051 |
| Loan and lease loss provision to assets | 0.0218% | 6,300 |
| Net operating income to assets | 0.9499% | 2,409 |
| Return on assets (ROA) | 1.1603% | 1,744 |
| Pretax return on assets | 1.1609% | 2,607 |
| Return on Equity (ROE) | 9.9913% | 2,063 |
| Retained earnings to average equity (ytd only) | 2.8835% | 4,193 |
| Net charge-offs to loans | 0.2582% | 4,161 |
| Credit loss provision to net charge-offs | 58.2090% | 5,216 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 955 |
| Efficiency ratio | 63.2423% | 5,254 |
| Assets per employee ($millions) | 6.3258% | 1,042 |
| Cash dividends to net income (ytd only)* | 71.1400% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3672% | 4,610 |
| Loan loss allowance to noncurrent loans | 294.1667% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.0632% | 6,794 |
| Noncurrent loans to loans | 0.4648% | 5,782 |
| Net loans and leases to total assets | 13.4190% | 7,271 |
| Net loans and leases to deposits | 20.1058% | 7,252 |
| Net loans and leases to core deposits | 21.3442% | 7,240 |
| Total domestic deposits to total assets | 66.7422% | 7,113 |
| Equity capital to assets | 11.3129% | 2,674 |
| Core capital (leverage) ratio | 9.9639% | 3,386 |
| Tier 1 risk-based capital ratio | 27.3775% | 677 |
| Total risk-based capital ratio | 27.8925% | 714 |
| Memoranda: | ||
| Average total assets | $179,171,800 | 3,347 |
| Average earning assets | $172,325,400 | 3,195 |
| Average equity | $20,808,200 | 3,031 |
| Average total loans | $25,950,600 | 6,362 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4782% | 7,094 |
| Cost of funding earning assets | 1.1107% | 2,906 |
| Net interest margin | 2.3674% | 7,188 |
| Noninterest income to average assets | 0.5008% | 3,865 |
| Noninterest expense to average assets | 1.7395% | 7,055 |
| Loan and lease loss provision to assets | 0.0030% | 6,377 |
| Net operating income to assets | 1.0355% | 2,194 |
| Return on assets (ROA) | 1.2689% | 1,562 |
| Pretax return on assets | 1.2697% | 2,400 |
| Return on Equity (ROE) | 10.8508% | 1,913 |
| Retained earnings to average equity (ytd only) | 4.4179% | 3,583 |
| Net charge-offs to loans | 0.1385% | 4,675 |
| Credit loss provision to net charge-offs | 14.8148% | 5,623 |
| Earnings coverage of net charge-offs (x) | 50.9617% | 636 |
| Efficiency ratio | 62.0005% | 5,407 |
| Assets per employee ($millions) | 6.2907% | 1,040 |
| Cash dividends to net income (ytd only)* | 59.2860% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3744% | 4,667 |
| Loan loss allowance to noncurrent loans | 350.9804% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.0540% | 6,913 |
| Noncurrent loans to loans | 0.3916% | 6,073 |
| Net loans and leases to total assets | 13.6122% | 7,346 |
| Net loans and leases to deposits | 20.4838% | 7,326 |
| Net loans and leases to core deposits | 21.6860% | 7,316 |
| Total domestic deposits to total assets | 66.4535% | 7,187 |
| Equity capital to assets | 11.7423% | 2,456 |
| Core capital (leverage) ratio | 10.2171% | 3,176 |
| Tier 1 risk-based capital ratio | 28.1413% | 645 |
| Total risk-based capital ratio | 28.6757% | 688 |
| Memoranda: | ||
| Average total assets | $176,521,000 | 3,402 |
| Average earning assets | $169,855,000 | 3,255 |
| Average equity | $20,643,000 | 3,057 |
| Average total loans | $25,983,500 | 6,425 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4725% | 7,175 |
| Cost of funding earning assets | 1.1265% | 3,064 |
| Net interest margin | 2.3460% | 7,261 |
| Noninterest income to average assets | 0.5126% | 3,764 |
| Noninterest expense to average assets | 1.8208% | 7,060 |
| Loan and lease loss provision to assets | 0.0046% | 6,190 |
| Net operating income to assets | 0.9394% | 2,483 |
| Return on assets (ROA) | 1.2270% | 1,575 |
| Pretax return on assets | 1.2281% | 2,381 |
| Return on Equity (ROE) | 10.5078% | 1,944 |
| Retained earnings to average equity (ytd only) | 5.1049% | 2,936 |
| Net charge-offs to loans | 0.1849% | 4,053 |
| Credit loss provision to net charge-offs | 16.6667% | 5,179 |
| Earnings coverage of net charge-offs (x) | 33.9583% | 846 |
| Efficiency ratio | 65.0314% | 5,054 |
| Assets per employee ($millions) | 6.0051% | 1,184 |
| Cash dividends to net income (ytd only)* | 51.4178% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3914% | 4,619 |
| Loan loss allowance to noncurrent loans | 313.9130% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 6,939 |
| Noncurrent loans to loans | 0.4432% | 6,023 |
| Net loans and leases to total assets | 14.2012% | 7,417 |
| Net loans and leases to deposits | 21.7115% | 7,396 |
| Net loans and leases to core deposits | 23.0742% | 7,387 |
| Total domestic deposits to total assets | 65.4085% | 7,273 |
| Equity capital to assets | 11.8554% | 2,205 |
| Core capital (leverage) ratio | 10.7662% | 2,459 |
| Tier 1 risk-based capital ratio | 28.4370% | 626 |
| Total risk-based capital ratio | 28.9866% | 661 |
| Memoranda: | ||
| Average total assets | $172,454,670 | 3,492 |
| Average earning assets | $165,644,330 | 3,343 |
| Average equity | $20,137,330 | 3,107 |
| Average total loans | $25,962,330 | 6,482 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3612% | 7,287 |
| Cost of funding earning assets | 1.1550% | 3,124 |
| Net interest margin | 2.2062% | 7,353 |
| Noninterest income to average assets | 0.5362% | 3,610 |
| Noninterest expense to average assets | 1.9098% | 6,973 |
| Loan and lease loss provision to assets | 0.0095% | 5,781 |
| Net operating income to assets | 0.7307% | 3,377 |
| Return on assets (ROA) | 1.1649% | 1,667 |
| Pretax return on assets | 1.1672% | 2,491 |
| Return on Equity (ROE) | 10.0579% | 2,074 |
| Retained earnings to average equity (ytd only) | 4.7319% | 3,361 |
| Net charge-offs to loans | 0.3696% | 2,588 |
| Credit loss provision to net charge-offs | 16.6667% | 4,299 |
| Earnings coverage of net charge-offs (x) | 13.0417% | 1,462 |
| Efficiency ratio | 71.1091% | 4,032 |
| Assets per employee ($millions) | 5.6120% | 1,479 |
| Cash dividends to net income (ytd only)* | 52.9532% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3978% | 4,678 |
| Loan loss allowance to noncurrent loans | 451.2500% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.0475% | 7,047 |
| Noncurrent loans to loans | 0.3098% | 6,368 |
| Net loans and leases to total assets | 15.1258% | 7,473 |
| Net loans and leases to deposits | 21.7545% | 7,454 |
| Net loans and leases to core deposits | 23.0691% | 7,448 |
| Total domestic deposits to total assets | 69.5298% | 7,203 |
| Equity capital to assets | 11.7789% | 2,057 |
| Core capital (leverage) ratio | 10.9787% | 2,211 |
| Tier 1 risk-based capital ratio | 29.1372% | 565 |
| Total risk-based capital ratio | 29.7093% | 595 |
| Memoranda: | ||
| Average total assets | $168,605,000 | 3,578 |
| Average earning assets | $161,727,500 | 3,430 |
| Average equity | $19,527,000 | 3,183 |
| Average total loans | $25,971,000 | 6,524 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7492% | 7,280 |
| Cost of funding earning assets | 1.5579% | 2,315 |
| Net interest margin | 2.1912% | 7,398 |
| Noninterest income to average assets | 0.4800% | 4,316 |
| Noninterest expense to average assets | 1.8827% | 7,183 |
| Loan and lease loss provision to assets | 0.0061% | 7,015 |
| Net operating income to assets | 0.6904% | 3,268 |
| Return on assets (ROA) | 1.7483% | 509 |
| Pretax return on assets | 1.7495% | 853 |
| Return on Equity (ROE) | 13.9519% | 886 |
| Retained earnings to average equity (ytd only) | 2.8011% | 3,895 |
| Net charge-offs to loans | 0.0190% | 6,623 |
| Credit loss provision to net charge-offs | 200.0000% | 1,561 |
| Earnings coverage of net charge-offs (x) | 229.4000% | 105 |
| Efficiency ratio | 72.0651% | 3,782 |
| Assets per employee ($millions) | 5.4467% | 1,636 |
| Cash dividends to net income (ytd only)* | 79.9235% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4589% | 4,229 |
| Loan loss allowance to noncurrent loans | 340.1786% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.0663% | 7,062 |
| Noncurrent loans to loans | 0.4289% | 6,188 |
| Net loans and leases to total assets | 15.2408% | 7,558 |
| Net loans and leases to deposits | 21.8531% | 7,544 |
| Net loans and leases to core deposits | 23.2141% | 7,536 |
| Total domestic deposits to total assets | 69.7422% | 7,250 |
| Equity capital to assets | 11.3847% | 2,352 |
| Core capital (leverage) ratio | 10.6495% | 2,416 |
| Tier 1 risk-based capital ratio | 28.5102% | 575 |
| Total risk-based capital ratio | 29.1088% | 604 |
| Memoranda: | ||
| Average total assets | $164,389,400 | 3,628 |
| Average earning assets | $157,581,800 | 3,494 |
| Average equity | $20,599,400 | 3,060 |
| Average total loans | $26,338,800 | 6,595 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8959% | 7,344 |
| Cost of funding earning assets | 1.6549% | 2,076 |
| Net interest margin | 2.2409% | 7,502 |
| Noninterest income to average assets | 0.4744% | 4,385 |
| Noninterest expense to average assets | 1.8847% | 7,228 |
| Loan and lease loss provision to assets | 0.0049% | 6,960 |
| Net operating income to assets | 0.7317% | 3,277 |
| Return on assets (ROA) | 2.1297% | 294 |
| Pretax return on assets | 2.1313% | 472 |
| Return on Equity (ROE) | 16.6030% | 639 |
| Retained earnings to average equity (ytd only) | 5.8887% | 2,422 |
| Net charge-offs to loans | 0.0202% | 6,391 |
| Credit loss provision to net charge-offs | 150.0000% | 2,593 |
| Earnings coverage of net charge-offs (x) | 226.1351% | 144 |
| Efficiency ratio | 70.9527% | 3,889 |
| Assets per employee ($millions) | 5.1010% | 2,057 |
| Cash dividends to net income (ytd only)* | 64.5320% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3895% | 4,523 |
| Loan loss allowance to noncurrent loans | 393.7500% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.0607% | 7,192 |
| Noncurrent loans to loans | 0.3529% | 6,493 |
| Net loans and leases to total assets | 16.9644% | 7,648 |
| Net loans and leases to deposits | 22.9873% | 7,643 |
| Net loans and leases to core deposits | 25.1465% | 7,624 |
| Total domestic deposits to total assets | 73.7989% | 6,943 |
| Equity capital to assets | 13.0196% | 1,568 |
| Core capital (leverage) ratio | 11.7045% | 1,815 |
| Tier 1 risk-based capital ratio | 28.7781% | 582 |
| Total risk-based capital ratio | 29.3666% | 602 |
| Memoranda: | ||
| Average total assets | $163,274,500 | 3,688 |
| Average earning assets | $156,537,750 | 3,558 |
| Average equity | $20,943,500 | 3,055 |
| Average total loans | $26,394,750 | 6,687 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0715% | 7,306 |
| Cost of funding earning assets | 1.8018% | 1,635 |
| Net interest margin | 2.2697% | 7,547 |
| Noninterest income to average assets | 0.4606% | 4,430 |
| Noninterest expense to average assets | 1.8632% | 7,311 |
| Loan and lease loss provision to assets | 0.0073% | 6,819 |
| Net operating income to assets | 0.7637% | 3,133 |
| Return on assets (ROA) | 2.8390% | 97 |
| Pretax return on assets | 2.8414% | 146 |
| Return on Equity (ROE) | 22.2391% | 199 |
| Retained earnings to average equity (ytd only) | 12.0786% | 477 |
| Net charge-offs to loans | 0.0230% | 6,014 |
| Credit loss provision to net charge-offs | 200.0000% | 1,956 |
| Earnings coverage of net charge-offs (x) | 212.6667% | 159 |
| Efficiency ratio | 69.7931% | 4,225 |
| Assets per employee ($millions) | 5.0654% | 2,099 |
| Cash dividends to net income (ytd only)* | 45.6874% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4551% | 4,151 |
| Loan loss allowance to noncurrent loans | 249.3421% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 7,155 |
| Noncurrent loans to loans | 0.5836% | 6,081 |
| Net loans and leases to total assets | 16.3462% | 7,724 |
| Net loans and leases to deposits | 22.3965% | 7,715 |
| Net loans and leases to core deposits | 24.3921% | 7,702 |
| Total domestic deposits to total assets | 72.9855% | 7,100 |
| Equity capital to assets | 13.5193% | 1,339 |
| Core capital (leverage) ratio | 11.9506% | 1,669 |
| Tier 1 risk-based capital ratio | 29.0690% | 566 |
| Total risk-based capital ratio | 29.6543% | 588 |
| Memoranda: | ||
| Average total assets | $164,989,000 | 3,690 |
| Average earning assets | $158,172,670 | 3,553 |
| Average equity | $21,062,000 | 3,031 |
| Average total loans | $26,125,000 | 6,739 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1889% | 7,277 |
| Cost of funding earning assets | 2.1807% | 632 |
| Net interest margin | 2.0082% | 7,719 |
| Noninterest income to average assets | 0.4332% | 4,631 |
| Noninterest expense to average assets | 1.8110% | 7,453 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5468% | 4,152 |
| Return on assets (ROA) | 1.8488% | 492 |
| Pretax return on assets | 1.8536% | 800 |
| Return on Equity (ROE) | 14.8914% | 900 |
| Retained earnings to average equity (ytd only) | 5.6248% | 2,804 |
| Net charge-offs to loans | -0.0153% | 7,002 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6513% | 3,284 |
| Assets per employee ($millions) | 5.8924% | 1,343 |
| Cash dividends to net income (ytd only)* | 62.2279% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4102% | 4,369 |
| Loan loss allowance to noncurrent loans | 335.7143% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 7,314 |
| Noncurrent loans to loans | 0.4201% | 6,455 |
| Net loans and leases to total assets | 15.9327% | 7,825 |
| Net loans and leases to deposits | 23.2421% | 7,812 |
| Net loans and leases to core deposits | 25.6326% | 7,788 |
| Total domestic deposits to total assets | 68.5510% | 7,498 |
| Equity capital to assets | 12.7167% | 1,646 |
| Core capital (leverage) ratio | 10.5821% | 2,550 |
| Tier 1 risk-based capital ratio | 28.5312% | 601 |
| Total risk-based capital ratio | 29.1327% | 633 |
| Memoranda: | ||
| Average total assets | $168,970,000 | 3,680 |
| Average earning assets | $162,334,000 | 3,522 |
| Average equity | $20,978,500 | 3,066 |
| Average total loans | $26,164,000 | 6,821 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5568% | 7,333 |
| Cost of funding earning assets | 1.9055% | 3,436 |
| Net interest margin | 2.6513% | 7,277 |
| Noninterest income to average assets | 0.4837% | 4,540 |
| Noninterest expense to average assets | 1.7835% | 7,625 |
| Loan and lease loss provision to assets | 0.0030% | 7,417 |
| Net operating income to assets | 1.2418% | 1,151 |
| Return on assets (ROA) | 1.2418% | 1,205 |
| Pretax return on assets | 1.2436% | 1,842 |
| Return on Equity (ROE) | 10.3459% | 1,595 |
| Retained earnings to average equity (ytd only) | 2.6151% | 3,314 |
| Net charge-offs to loans | 0.0119% | 7,060 |
| Credit loss provision to net charge-offs | 166.6667% | 2,597 |
| Earnings coverage of net charge-offs (x) | 695.0000% | 35 |
| Efficiency ratio | 58.1097% | 6,746 |
| Assets per employee ($millions) | 5.9639% | 1,273 |
| Cash dividends to net income (ytd only)* | 74.7232% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4650% | 3,909 |
| Loan loss allowance to noncurrent loans | 372.2772% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.0584% | 7,351 |
| Noncurrent loans to loans | 0.3935% | 6,489 |
| Net loans and leases to total assets | 14.6220% | 7,911 |
| Net loans and leases to deposits | 22.7571% | 7,892 |
| Net loans and leases to core deposits | 27.6797% | 7,882 |
| Total domestic deposits to total assets | 64.2525% | 7,704 |
| Equity capital to assets | 12.1282% | 1,953 |
| Core capital (leverage) ratio | 9.9920% | 3,100 |
| Tier 1 risk-based capital ratio | 29.5126% | 552 |
| Total risk-based capital ratio | 30.1456% | 571 |
| Memoranda: | ||
| Average total assets | $167,254,200 | 3,656 |
| Average earning assets | $160,637,800 | 3,506 |
| Average equity | $20,075,600 | 3,182 |
| Average total loans | $25,169,800 | 6,904 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6071% | 7,411 |
| Cost of funding earning assets | 1.9531% | 3,606 |
| Net interest margin | 2.6540% | 7,285 |
| Noninterest income to average assets | 0.4937% | 4,540 |
| Noninterest expense to average assets | 1.8259% | 7,638 |
| Loan and lease loss provision to assets | 0.0040% | 7,271 |
| Net operating income to assets | 1.2125% | 1,435 |
| Return on assets (ROA) | 1.2125% | 1,495 |
| Pretax return on assets | 1.2149% | 2,216 |
| Return on Equity (ROE) | 10.1288% | 1,870 |
| Retained earnings to average equity (ytd only) | 2.3106% | 4,029 |
| Net charge-offs to loans | 0.0373% | 6,382 |
| Credit loss provision to net charge-offs | 71.4286% | 5,952 |
| Earnings coverage of net charge-offs (x) | 216.6431% | 177 |
| Efficiency ratio | 59.2289% | 6,527 |
| Assets per employee ($millions) | 6.0383% | 1,195 |
| Cash dividends to net income (ytd only)* | 77.1881% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5143% | 3,353 |
| Loan loss allowance to noncurrent loans | 217.5439% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.0977% | 7,303 |
| Noncurrent loans to loans | 0.6961% | 5,907 |
| Net loans and leases to total assets | 13.8164% | 8,001 |
| Net loans and leases to deposits | 23.3362% | 7,974 |
| Net loans and leases to core deposits | 27.6266% | 7,960 |
| Total domestic deposits to total assets | 59.2059% | 7,890 |
| Equity capital to assets | 11.8919% | 2,296 |
| Core capital (leverage) ratio | 10.1511% | 3,116 |
| Tier 1 risk-based capital ratio | 30.3499% | 549 |
| Total risk-based capital ratio | 31.0011% | 567 |
| Memoranda: | ||
| Average total assets | $165,829,750 | 3,697 |
| Average earning assets | $159,401,250 | 3,560 |
| Average equity | $19,850,500 | 3,261 |
| Average total loans | $25,046,000 | 6,972 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6892% | 7,406 |
| Cost of funding earning assets | 1.9895% | 3,825 |
| Net interest margin | 2.6996% | 7,199 |
| Noninterest income to average assets | 0.4707% | 4,706 |
| Noninterest expense to average assets | 1.8644% | 7,666 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1958% | 1,487 |
| Return on assets (ROA) | 1.1958% | 1,571 |
| Pretax return on assets | 1.1995% | 2,300 |
| Return on Equity (ROE) | 9.9662% | 2,031 |
| Retained earnings to average equity (ytd only) | 2.0178% | 4,221 |
| Net charge-offs to loans | 0.0555% | 5,709 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 139.4286% | 287 |
| Efficiency ratio | 60.0882% | 6,538 |
| Assets per employee ($millions) | 5.7949% | 1,345 |
| Cash dividends to net income (ytd only)* | 79.7533% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4834% | 3,287 |
| Loan loss allowance to noncurrent loans | 222.4242% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.0982% | 7,337 |
| Noncurrent loans to loans | 0.6669% | 5,919 |
| Net loans and leases to total assets | 14.5033% | 8,082 |
| Net loans and leases to deposits | 24.8851% | 8,037 |
| Net loans and leases to core deposits | 29.2134% | 8,042 |
| Total domestic deposits to total assets | 58.2811% | 7,976 |
| Equity capital to assets | 11.5233% | 2,527 |
| Core capital (leverage) ratio | 10.2496% | 3,043 |
| Tier 1 risk-based capital ratio | 31.6445% | 511 |
| Total risk-based capital ratio | 32.3204% | 525 |
| Memoranda: | ||
| Average total assets | $162,736,000 | 3,765 |
| Average earning assets | $156,317,670 | 3,629 |
| Average equity | $19,526,000 | 3,320 |
| Average total loans | $25,206,000 | 7,016 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8137% | 7,352 |
| Cost of funding earning assets | 2.0295% | 3,993 |
| Net interest margin | 2.7841% | 7,026 |
| Noninterest income to average assets | 0.4423% | 4,854 |
| Noninterest expense to average assets | 1.7341% | 7,781 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3743% | 1,197 |
| Return on assets (ROA) | 1.3743% | 1,289 |
| Pretax return on assets | 1.3818% | 2,018 |
| Return on Equity (ROE) | 11.2208% | 1,907 |
| Retained earnings to average equity (ytd only) | 3.3050% | 4,041 |
| Net charge-offs to loans | 0.1258% | 3,960 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 69.1250% | 578 |
| Efficiency ratio | 54.9318% | 7,110 |
| Assets per employee ($millions) | 5.7790% | 1,336 |
| Cash dividends to net income (ytd only)* | 70.5455% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 3,297 |
| Loan loss allowance to noncurrent loans | 241.4474% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.0907% | 7,319 |
| Noncurrent loans to loans | 0.5959% | 5,903 |
| Net loans and leases to total assets | 15.0008% | 8,126 |
| Net loans and leases to deposits | 26.0542% | 8,085 |
| Net loans and leases to core deposits | 30.2378% | 8,084 |
| Total domestic deposits to total assets | 57.5753% | 8,015 |
| Equity capital to assets | 11.9786% | 2,276 |
| Core capital (leverage) ratio | 10.8385% | 2,629 |
| Tier 1 risk-based capital ratio | 32.7342% | 502 |
| Total risk-based capital ratio | 33.4352% | 508 |
| Memoranda: | ||
| Average total assets | $160,078,500 | 3,836 |
| Average earning assets | $153,729,000 | 3,684 |
| Average equity | $19,606,500 | 3,320 |
| Average total loans | $25,439,000 | 7,032 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1287% | 7,743 |
| Cost of funding earning assets | 2.5443% | 3,982 |
| Net interest margin | 2.5843% | 7,659 |
| Noninterest income to average assets | 0.6894% | 3,188 |
| Noninterest expense to average assets | 2.0080% | 7,423 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1362% | 2,006 |
| Return on assets (ROA) | 1.1362% | 1,924 |
| Pretax return on assets | 1.1362% | 2,895 |
| Return on Equity (ROE) | 8.7736% | 2,724 |
| Retained earnings to average equity (ytd only) | 4.3926% | 2,386 |
| Net charge-offs to loans | 0.2306% | 3,936 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 25.4333% | 1,331 |
| Efficiency ratio | 62.9647% | 5,784 |
| Assets per employee ($millions) | 5.2609% | 1,680 |
| Cash dividends to net income (ytd only)* | 49.9345% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4741% | 2,807 |
| Loan loss allowance to noncurrent loans | 242.8571% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.1009% | 7,176 |
| Noncurrent loans to loans | 0.6070% | 5,551 |
| Net loans and leases to total assets | 16.3844% | 8,182 |
| Net loans and leases to deposits | 27.0346% | 8,149 |
| Net loans and leases to core deposits | 30.7428% | 8,148 |
| Total domestic deposits to total assets | 60.6052% | 7,942 |
| Equity capital to assets | 12.5441% | 1,987 |
| Core capital (leverage) ratio | 11.8612% | 2,047 |
| Tier 1 risk-based capital ratio | 33.7062% | 486 |
| Total risk-based capital ratio | 34.4492% | 494 |
| Memoranda: | ||
| Average total assets | $134,312,600 | 4,199 |
| Average earning assets | $127,576,800 | 4,095 |
| Average equity | $17,393,000 | 3,666 |
| Average total loans | $26,017,800 | 6,962 |