Home > The City National Bank of Sulphur Springs > Performance and Condition Ratios
The City National Bank of Sulphur Springs, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0849% | 1,888 |
| Cost of funding earning assets | 1.1483% | 2,942 |
| Net interest margin | 3.9367% | 1,299 |
| Noninterest income to average assets | 0.8700% | 812 |
| Noninterest expense to average assets | 2.8665% | 1,345 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.5134% | 990 |
| Return on assets (ROA) | 1.4476% | 1,090 |
| Pretax return on assets | 1.4487% | 1,536 |
| Return on Equity (ROE) | 19.0700% | 705 |
| Retained earnings to average equity (ytd only) | 7.7628% | 1,607 |
| Net charge-offs to loans | 0.0255% | 1,806 |
| Credit loss provision to net charge-offs | 485.7143% | 691 |
| Earnings coverage of net charge-offs (x) | 94.5810% | 926 |
| Efficiency ratio | 63.3970% | 2,682 |
| Assets per employee ($millions) | 4.9883% | 3,643 |
| Cash dividends to net income (ytd only)* | 59.2979% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4899% | 1,084 |
| Loan loss allowance to noncurrent loans | 126.5531% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.8433% | 600 |
| Noncurrent loans to loans | 1.1773% | 611 |
| Net loans and leases to total assets | 68.9800% | 1,920 |
| Net loans and leases to deposits | 78.7262% | 2,213 |
| Net loans and leases to core deposits | 85.1248% | 2,370 |
| Total domestic deposits to total assets | 87.6200% | 1,478 |
| Equity capital to assets | 8.2591% | 3,237 |
| Core capital (leverage) ratio | 9.2059% | 3,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3758% | 1,729 |
| Memoranda: | ||
| Average total assets | $1,224,025,000 | 840 |
| Average earning assets | $1,126,490,000 | 836 |
| Average equity | $92,904,200 | 1,003 |
| Average total loans | $823,213,000 | 847 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9559% | 1,933 |
| Cost of funding earning assets | 1.0438% | 2,910 |
| Net interest margin | 3.9121% | 1,374 |
| Noninterest income to average assets | 0.8700% | 813 |
| Noninterest expense to average assets | 2.8600% | 1,300 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.5060% | 1,111 |
| Return on assets (ROA) | 1.4560% | 1,190 |
| Pretax return on assets | 1.4571% | 1,655 |
| Return on Equity (ROE) | 19.6200% | 763 |
| Retained earnings to average equity (ytd only) | 9.2298% | 1,627 |
| Net charge-offs to loans | -0.0041% | 3,696 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.4694% | 2,567 |
| Assets per employee ($millions) | 4.9585% | 3,634 |
| Cash dividends to net income (ytd only)* | 52.9562% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5128% | 1,075 |
| Loan loss allowance to noncurrent loans | 121.4942% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.8479% | 650 |
| Noncurrent loans to loans | 1.2452% | 620 |
| Net loans and leases to total assets | 66.4400% | 2,205 |
| Net loans and leases to deposits | 73.3844% | 2,615 |
| Net loans and leases to core deposits | 78.7200% | 2,698 |
| Total domestic deposits to total assets | 90.5300% | 795 |
| Equity capital to assets | 7.0818% | 3,572 |
| Core capital (leverage) ratio | 9.1147% | 3,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3330% | 1,778 |
| Memoranda: | ||
| Average total assets | $1,222,001,000 | 846 |
| Average earning assets | $1,124,368,750 | 841 |
| Average equity | $90,689,750 | 1,022 |
| Average total loans | $813,330,750 | 852 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8079% | 1,977 |
| Cost of funding earning assets | 0.9395% | 2,804 |
| Net interest margin | 3.8684% | 1,489 |
| Noninterest income to average assets | 0.8900% | 698 |
| Noninterest expense to average assets | 2.8995% | 1,211 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.4289% | 1,261 |
| Return on assets (ROA) | 1.3594% | 1,409 |
| Pretax return on assets | 1.3604% | 1,917 |
| Return on Equity (ROE) | 18.0400% | 950 |
| Retained earnings to average equity (ytd only) | 7.2362% | 2,214 |
| Net charge-offs to loans | 0.0191% | 1,514 |
| Credit loss provision to net charge-offs | 672.7273% | 534 |
| Earnings coverage of net charge-offs (x) | 121.7273% | 838 |
| Efficiency ratio | 64.7961% | 2,399 |
| Assets per employee ($millions) | 4.8497% | 3,715 |
| Cash dividends to net income (ytd only)* | 59.8789% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5164% | 1,131 |
| Loan loss allowance to noncurrent loans | 119.4966% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 0.8596% | 580 |
| Noncurrent loans to loans | 1.2690% | 561 |
| Net loans and leases to total assets | 66.0800% | 2,150 |
| Net loans and leases to deposits | 73.3334% | 2,557 |
| Net loans and leases to core deposits | 78.0203% | 2,612 |
| Total domestic deposits to total assets | 90.1100% | 898 |
| Equity capital to assets | 7.5677% | 3,486 |
| Core capital (leverage) ratio | 9.0706% | 3,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9532% | 1,918 |
| Memoranda: | ||
| Average total assets | $1,214,469,333 | 840 |
| Average earning assets | $1,116,533,667 | 834 |
| Average equity | $91,539,667 | 1,007 |
| Average total loans | $804,587,333 | 844 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6672% | 1,933 |
| Cost of funding earning assets | 0.8258% | 2,625 |
| Net interest margin | 3.8414% | 1,600 |
| Noninterest income to average assets | 0.9100% | 670 |
| Noninterest expense to average assets | 2.7777% | 1,491 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.5514% | 1,075 |
| Return on assets (ROA) | 1.4312% | 1,296 |
| Pretax return on assets | 1.4325% | 1,806 |
| Return on Equity (ROE) | 19.0300% | 883 |
| Retained earnings to average equity (ytd only) | 12.1079% | 1,246 |
| Net charge-offs to loans | 0.0327% | 1,060 |
| Credit loss provision to net charge-offs | 530.7692% | 531 |
| Earnings coverage of net charge-offs (x) | 77.4615% | 906 |
| Efficiency ratio | 62.0261% | 2,697 |
| Assets per employee ($millions) | 4.7997% | 3,799 |
| Cash dividends to net income (ytd only)* | 36.3636% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5334% | 1,166 |
| Loan loss allowance to noncurrent loans | 110.7178% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.9285% | 466 |
| Noncurrent loans to loans | 1.3850% | 477 |
| Net loans and leases to total assets | 65.4300% | 2,118 |
| Net loans and leases to deposits | 73.0671% | 2,379 |
| Net loans and leases to core deposits | 76.9993% | 2,460 |
| Total domestic deposits to total assets | 89.5500% | 1,321 |
| Equity capital to assets | 7.7928% | 3,388 |
| Core capital (leverage) ratio | 9.0090% | 3,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9759% | 1,980 |
| Memoranda: | ||
| Average total assets | $1,208,214,000 | 861 |
| Average earning assets | $1,112,621,500 | 853 |
| Average equity | $90,882,500 | 1,024 |
| Average total loans | $795,227,000 | 866 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2169% | 1,212 |
| Cost of funding earning assets | 0.2560% | 3,275 |
| Net interest margin | 3.9609% | 838 |
| Noninterest income to average assets | 0.8800% | 826 |
| Noninterest expense to average assets | 2.7904% | 1,335 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.6067% | 682 |
| Return on assets (ROA) | 1.5947% | 669 |
| Pretax return on assets | 1.5951% | 1,179 |
| Return on Equity (ROE) | 20.5400% | 426 |
| Retained earnings to average equity (ytd only) | 11.4613% | 792 |
| Net charge-offs to loans | -0.0627% | 4,404 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.2627% | 2,876 |
| Assets per employee ($millions) | 4.7893% | 3,823 |
| Cash dividends to net income (ytd only)* | 44.2109% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3276% | 1,771 |
| Loan loss allowance to noncurrent loans | 96.5431% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 0.9046% | 493 |
| Noncurrent loans to loans | 1.3752% | 493 |
| Net loans and leases to total assets | 64.3200% | 2,219 |
| Net loans and leases to deposits | 71.7357% | 2,428 |
| Net loans and leases to core deposits | 74.4427% | 2,535 |
| Total domestic deposits to total assets | 89.6600% | 1,501 |
| Equity capital to assets | 7.2507% | 3,521 |
| Core capital (leverage) ratio | 8.9853% | 3,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8567% | 2,028 |
| Memoranda: | ||
| Average total assets | $1,181,211,000 | 867 |
| Average earning assets | $1,086,482,600 | 860 |
| Average equity | $91,691,400 | 1,013 |
| Average total loans | $710,965,000 | 893 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1306% | 1,006 |
| Cost of funding earning assets | 0.1977% | 3,308 |
| Net interest margin | 3.9329% | 736 |
| Noninterest income to average assets | 0.9000% | 820 |
| Noninterest expense to average assets | 2.8147% | 1,224 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.5657% | 715 |
| Return on assets (ROA) | 1.5519% | 721 |
| Pretax return on assets | 1.5524% | 1,261 |
| Return on Equity (ROE) | 19.6600% | 464 |
| Retained earnings to average equity (ytd only) | 11.1941% | 1,003 |
| Net charge-offs to loans | -0.0906% | 4,464 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.9179% | 2,839 |
| Assets per employee ($millions) | 4.7621% | 3,865 |
| Cash dividends to net income (ytd only)* | 43.0598% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3617% | 1,757 |
| Loan loss allowance to noncurrent loans | 94.3939% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 0.9061% | 524 |
| Noncurrent loans to loans | 1.4426% | 491 |
| Net loans and leases to total assets | 61.3900% | 2,366 |
| Net loans and leases to deposits | 66.0136% | 2,721 |
| Net loans and leases to core deposits | 68.4489% | 2,761 |
| Total domestic deposits to total assets | 93.0000% | 581 |
| Equity capital to assets | 6.3620% | 3,813 |
| Core capital (leverage) ratio | 8.8906% | 3,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1872% | 1,978 |
| Memoranda: | ||
| Average total assets | $1,174,786,000 | 873 |
| Average earning assets | $1,079,517,000 | 867 |
| Average equity | $92,736,750 | 1,016 |
| Average total loans | $692,019,500 | 913 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1300% | 730 |
| Cost of funding earning assets | 0.1653% | 3,374 |
| Net interest margin | 3.9648% | 532 |
| Noninterest income to average assets | 0.9328% | 783 |
| Noninterest expense to average assets | 2.8087% | 1,162 |
| Loan and lease loss provision to assets | 0.1458% | 655 |
| Net operating income to assets | 1.6221% | 523 |
| Return on assets (ROA) | 1.6185% | 512 |
| Pretax return on assets | 1.6192% | 904 |
| Return on Equity (ROE) | 19.2240% | 367 |
| Retained earnings to average equity (ytd only) | 11.4745% | 704 |
| Net charge-offs to loans | -0.1202% | 4,489 |
| Credit loss provision to net charge-offs | -209.8765% | 3,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8938% | 3,193 |
| Assets per employee ($millions) | 4.7698% | 3,872 |
| Cash dividends to net income (ytd only)* | 40.3115% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3999% | 1,746 |
| Loan loss allowance to noncurrent loans | 812.9353% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.1099% | 2,940 |
| Noncurrent loans to loans | 0.1722% | 2,834 |
| Net loans and leases to total assets | 58.1438% | 2,520 |
| Net loans and leases to deposits | 63.0693% | 2,800 |
| Net loans and leases to core deposits | 65.5014% | 2,857 |
| Total domestic deposits to total assets | 92.1902% | 764 |
| Equity capital to assets | 7.2293% | 3,643 |
| Core capital (leverage) ratio | 8.8415% | 3,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4058% | 1,899 |
| Memoranda: | ||
| Average total assets | $1,166,369,000 | 873 |
| Average earning assets | $1,072,142,000 | 875 |
| Average equity | $98,200,333 | 970 |
| Average total loans | $673,736,000 | 923 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1309% | 600 |
| Cost of funding earning assets | 0.1569% | 3,409 |
| Net interest margin | 3.9740% | 435 |
| Noninterest income to average assets | 0.9584% | 742 |
| Noninterest expense to average assets | 2.7841% | 1,192 |
| Loan and lease loss provision to assets | 0.1904% | 391 |
| Net operating income to assets | 1.6471% | 458 |
| Return on assets (ROA) | 1.6464% | 459 |
| Pretax return on assets | 1.6475% | 759 |
| Return on Equity (ROE) | 18.2312% | 319 |
| Retained earnings to average equity (ytd only) | 16.4453% | 209 |
| Net charge-offs to loans | -0.0170% | 3,826 |
| Credit loss provision to net charge-offs | -1,964.2857% | 3,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7559% | 3,510 |
| Assets per employee ($millions) | 4.6912% | 4,006 |
| Cash dividends to net income (ytd only)* | 9.7961% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3611% | 2,068 |
| Loan loss allowance to noncurrent loans | 835.0412% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.1234% | 2,949 |
| Noncurrent loans to loans | 0.1630% | 2,992 |
| Net loans and leases to total assets | 56.6245% | 2,465 |
| Net loans and leases to deposits | 62.0037% | 2,719 |
| Net loans and leases to core deposits | 64.3272% | 2,770 |
| Total domestic deposits to total assets | 91.3243% | 876 |
| Equity capital to assets | 8.1486% | 3,448 |
| Core capital (leverage) ratio | 8.9974% | 3,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8776% | 1,848 |
| Memoranda: | ||
| Average total assets | $1,155,719,500 | 882 |
| Average earning assets | $1,065,618,000 | 882 |
| Average equity | $104,370,500 | 962 |
| Average total loans | $660,424,500 | 929 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1274% | 1,115 |
| Cost of funding earning assets | 0.2135% | 3,334 |
| Net interest margin | 3.9139% | 833 |
| Noninterest income to average assets | 1.1609% | 783 |
| Noninterest expense to average assets | 2.8963% | 1,163 |
| Loan and lease loss provision to assets | 0.0938% | 1,333 |
| Net operating income to assets | 1.7626% | 554 |
| Return on assets (ROA) | 1.7632% | 579 |
| Pretax return on assets | 1.7634% | 994 |
| Return on Equity (ROE) | 17.4503% | 524 |
| Retained earnings to average equity (ytd only) | 0.8793% | 4,291 |
| Net charge-offs to loans | 0.0489% | 1,332 |
| Credit loss provision to net charge-offs | 327.8689% | 1,021 |
| Earnings coverage of net charge-offs (x) | 64.8852% | 1,130 |
| Efficiency ratio | 60.4587% | 3,087 |
| Assets per employee ($millions) | 4.3806% | 4,209 |
| Cash dividends to net income (ytd only)* | 94.9609% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3146% | 2,296 |
| Loan loss allowance to noncurrent loans | 589.9931% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.1504% | 2,889 |
| Noncurrent loans to loans | 0.2228% | 2,847 |
| Net loans and leases to total assets | 56.1288% | 2,590 |
| Net loans and leases to deposits | 62.7256% | 2,806 |
| Net loans and leases to core deposits | 65.1576% | 2,890 |
| Total domestic deposits to total assets | 89.4830% | 1,249 |
| Equity capital to assets | 9.9321% | 2,723 |
| Core capital (leverage) ratio | 8.8005% | 3,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6884% | 1,981 |
| Memoranda: | ||
| Average total assets | $1,065,875,600 | 917 |
| Average earning assets | $978,241,400 | 921 |
| Average equity | $107,694,400 | 949 |
| Average total loans | $623,951,800 | 968 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1565% | 1,177 |
| Cost of funding earning assets | 0.2268% | 3,356 |
| Net interest margin | 3.9297% | 887 |
| Noninterest income to average assets | 1.1743% | 832 |
| Noninterest expense to average assets | 2.9334% | 1,070 |
| Loan and lease loss provision to assets | 0.0637% | 1,723 |
| Net operating income to assets | 1.7731% | 702 |
| Return on assets (ROA) | 1.7739% | 735 |
| Pretax return on assets | 1.7742% | 1,226 |
| Return on Equity (ROE) | 17.4751% | 693 |
| Retained earnings to average equity (ytd only) | -1.5915% | 4,690 |
| Net charge-offs to loans | 0.0443% | 1,226 |
| Credit loss provision to net charge-offs | 243.9024% | 1,116 |
| Earnings coverage of net charge-offs (x) | 70.3415% | 1,061 |
| Efficiency ratio | 61.0111% | 2,831 |
| Assets per employee ($millions) | 4.3859% | 4,198 |
| Cash dividends to net income (ytd only)* | 109.1072% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2980% | 2,497 |
| Loan loss allowance to noncurrent loans | 515.1075% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.2047% | 2,760 |
| Noncurrent loans to loans | 0.2520% | 2,927 |
| Net loans and leases to total assets | 54.3415% | 2,931 |
| Net loans and leases to deposits | 60.7385% | 3,165 |
| Net loans and leases to core deposits | 63.1565% | 3,209 |
| Total domestic deposits to total assets | 89.4680% | 1,027 |
| Equity capital to assets | 9.8862% | 3,012 |
| Core capital (leverage) ratio | 8.8602% | 3,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7490% | 2,067 |
| Memoranda: | ||
| Average total assets | $1,046,510,750 | 940 |
| Average earning assets | $957,710,000 | 949 |
| Average equity | $106,228,750 | 977 |
| Average total loans | $617,367,500 | 991 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1650% | 1,240 |
| Cost of funding earning assets | 0.2440% | 3,334 |
| Net interest margin | 3.9210% | 933 |
| Noninterest income to average assets | 1.3006% | 687 |
| Noninterest expense to average assets | 2.9954% | 992 |
| Loan and lease loss provision to assets | 0.0394% | 2,209 |
| Net operating income to assets | 1.8494% | 650 |
| Return on assets (ROA) | 1.8557% | 672 |
| Pretax return on assets | 1.8563% | 1,107 |
| Return on Equity (ROE) | 18.1049% | 635 |
| Retained earnings to average equity (ytd only) | -8.6450% | 4,852 |
| Net charge-offs to loans | 0.0033% | 2,062 |
| Credit loss provision to net charge-offs | 2,000.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 959.1000% | 134 |
| Efficiency ratio | 60.8485% | 2,894 |
| Assets per employee ($millions) | 4.1864% | 4,341 |
| Cash dividends to net income (ytd only)* | 147.7495% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 2,575 |
| Loan loss allowance to noncurrent loans | 369.5452% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.2505% | 2,673 |
| Noncurrent loans to loans | 0.3442% | 2,672 |
| Net loans and leases to total assets | 57.8113% | 2,693 |
| Net loans and leases to deposits | 64.5211% | 2,945 |
| Net loans and leases to core deposits | 67.1494% | 3,023 |
| Total domestic deposits to total assets | 89.6005% | 977 |
| Equity capital to assets | 9.7310% | 3,110 |
| Core capital (leverage) ratio | 8.3963% | 4,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4815% | 2,174 |
| Memoranda: | ||
| Average total assets | $1,015,237,000 | 955 |
| Average earning assets | $928,029,667 | 966 |
| Average equity | $104,060,000 | 985 |
| Average total loans | $613,882,333 | 1,001 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1733% | 1,247 |
| Cost of funding earning assets | 0.2580% | 3,398 |
| Net interest margin | 3.9152% | 960 |
| Noninterest income to average assets | 1.2096% | 843 |
| Noninterest expense to average assets | 2.9869% | 1,019 |
| Loan and lease loss provision to assets | 0.0407% | 2,240 |
| Net operating income to assets | 1.7692% | 832 |
| Return on assets (ROA) | 1.7920% | 852 |
| Pretax return on assets | 1.7928% | 1,300 |
| Return on Equity (ROE) | 17.0101% | 848 |
| Retained earnings to average equity (ytd only) | -19.9076% | 4,917 |
| Net charge-offs to loans | -0.0132% | 3,797 |
| Credit loss provision to net charge-offs | -500.0000% | 3,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8001% | 2,791 |
| Assets per employee ($millions) | 4.2208% | 4,330 |
| Cash dividends to net income (ytd only)* | 217.0338% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 2,610 |
| Loan loss allowance to noncurrent loans | 245.2784% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.4093% | 2,176 |
| Noncurrent loans to loans | 0.5143% | 2,313 |
| Net loans and leases to total assets | 58.9178% | 2,687 |
| Net loans and leases to deposits | 65.7906% | 2,940 |
| Net loans and leases to core deposits | 68.7668% | 2,990 |
| Total domestic deposits to total assets | 89.5536% | 1,046 |
| Equity capital to assets | 9.7806% | 2,916 |
| Core capital (leverage) ratio | 9.0940% | 3,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5032% | 2,085 |
| Memoranda: | ||
| Average total assets | $982,814,500 | 969 |
| Average earning assets | $900,688,000 | 978 |
| Average equity | $103,538,500 | 982 |
| Average total loans | $604,596,500 | 1,018 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8337% | 690 |
| Cost of funding earning assets | 0.4247% | 3,433 |
| Net interest margin | 4.4090% | 397 |
| Noninterest income to average assets | 1.1508% | 816 |
| Noninterest expense to average assets | 3.0937% | 1,247 |
| Loan and lease loss provision to assets | 0.2659% | 1,452 |
| Net operating income to assets | 1.8218% | 368 |
| Return on assets (ROA) | 1.8179% | 402 |
| Pretax return on assets | 1.8198% | 658 |
| Return on Equity (ROE) | 15.4377% | 574 |
| Retained earnings to average equity (ytd only) | 6.6653% | 1,525 |
| Net charge-offs to loans | 0.1000% | 1,470 |
| Credit loss provision to net charge-offs | 388.9860% | 1,465 |
| Earnings coverage of net charge-offs (x) | 30.5664% | 1,593 |
| Efficiency ratio | 59.3511% | 3,545 |
| Assets per employee ($millions) | 3.9745% | 4,395 |
| Cash dividends to net income (ytd only)* | 56.8245% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3611% | 2,142 |
| Loan loss allowance to noncurrent loans | 1,632.8482% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 3,485 |
| Noncurrent loans to loans | 0.0834% | 3,960 |
| Net loans and leases to total assets | 62.8087% | 2,508 |
| Net loans and leases to deposits | 71.4444% | 2,744 |
| Net loans and leases to core deposits | 74.2097% | 2,896 |
| Total domestic deposits to total assets | 87.9128% | 1,522 |
| Equity capital to assets | 11.4167% | 1,945 |
| Core capital (leverage) ratio | 9.6323% | 2,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4350% | 1,703 |
| Memoranda: | ||
| Average total assets | $836,701,800 | 1,019 |
| Average earning assets | $765,258,800 | 1,026 |
| Average equity | $98,525,000 | 968 |
| Average total loans | $572,070,000 | 1,021 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9630% | 647 |
| Cost of funding earning assets | 0.4646% | 3,443 |
| Net interest margin | 4.4983% | 375 |
| Noninterest income to average assets | 1.1388% | 811 |
| Noninterest expense to average assets | 3.1134% | 1,214 |
| Loan and lease loss provision to assets | 0.3297% | 1,181 |
| Net operating income to assets | 1.8039% | 445 |
| Return on assets (ROA) | 1.7985% | 506 |
| Pretax return on assets | 1.8008% | 777 |
| Return on Equity (ROE) | 15.1458% | 671 |
| Retained earnings to average equity (ytd only) | 6.5615% | 1,863 |
| Net charge-offs to loans | 0.1299% | 1,102 |
| Credit loss provision to net charge-offs | 364.3885% | 1,561 |
| Earnings coverage of net charge-offs (x) | 23.6061% | 1,788 |
| Efficiency ratio | 58.9732% | 3,524 |
| Assets per employee ($millions) | 4.0226% | 4,294 |
| Cash dividends to net income (ytd only)* | 56.6775% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 2,134 |
| Loan loss allowance to noncurrent loans | 763.9442% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.2189% | 3,347 |
| Noncurrent loans to loans | 0.1709% | 3,699 |
| Net loans and leases to total assets | 66.4272% | 2,459 |
| Net loans and leases to deposits | 75.7776% | 2,772 |
| Net loans and leases to core deposits | 79.0978% | 2,916 |
| Total domestic deposits to total assets | 87.6607% | 1,368 |
| Equity capital to assets | 11.5558% | 1,961 |
| Core capital (leverage) ratio | 9.8515% | 2,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $819,328,250 | 1,024 |
| Average earning assets | $748,672,500 | 1,031 |
| Average equity | $97,291,750 | 974 |
| Average total loans | $570,831,500 | 1,020 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0742% | 721 |
| Cost of funding earning assets | 0.5187% | 3,421 |
| Net interest margin | 4.5555% | 446 |
| Noninterest income to average assets | 1.1646% | 735 |
| Noninterest expense to average assets | 3.1739% | 1,205 |
| Loan and lease loss provision to assets | 0.3808% | 1,085 |
| Net operating income to assets | 1.7692% | 537 |
| Return on assets (ROA) | 1.7610% | 597 |
| Pretax return on assets | 1.7638% | 872 |
| Return on Equity (ROE) | 14.6870% | 758 |
| Retained earnings to average equity (ytd only) | 8.1250% | 1,263 |
| Net charge-offs to loans | 0.1946% | 790 |
| Credit loss provision to net charge-offs | 277.4545% | 1,676 |
| Earnings coverage of net charge-offs (x) | 15.6855% | 1,895 |
| Efficiency ratio | 59.2429% | 3,527 |
| Assets per employee ($millions) | 3.9959% | 4,319 |
| Cash dividends to net income (ytd only)* | 44.6790% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 2,417 |
| Loan loss allowance to noncurrent loans | 949.3386% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.2189% | 3,454 |
| Noncurrent loans to loans | 0.1285% | 3,944 |
| Net loans and leases to total assets | 68.2687% | 2,305 |
| Net loans and leases to deposits | 78.0012% | 2,653 |
| Net loans and leases to core deposits | 81.3664% | 2,831 |
| Total domestic deposits to total assets | 87.5226% | 1,407 |
| Equity capital to assets | 11.7342% | 1,815 |
| Core capital (leverage) ratio | 10.1214% | 2,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $801,471,000 | 1,029 |
| Average earning assets | $732,251,000 | 1,033 |
| Average equity | $96,098,667 | 975 |
| Average total loans | $565,271,000 | 1,009 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2527% | 597 |
| Cost of funding earning assets | 0.6085% | 3,391 |
| Net interest margin | 4.6442% | 380 |
| Noninterest income to average assets | 0.9502% | 954 |
| Noninterest expense to average assets | 3.2545% | 1,304 |
| Loan and lease loss provision to assets | 0.3167% | 979 |
| Net operating income to assets | 1.6054% | 619 |
| Return on assets (ROA) | 1.5884% | 705 |
| Pretax return on assets | 1.5915% | 1,076 |
| Return on Equity (ROE) | 13.0939% | 866 |
| Retained earnings to average equity (ytd only) | 11.0135% | 565 |
| Net charge-offs to loans | 0.2629% | 556 |
| Credit loss provision to net charge-offs | 168.9560% | 1,517 |
| Earnings coverage of net charge-offs (x) | 10.2692% | 1,772 |
| Efficiency ratio | 62.4739% | 3,442 |
| Assets per employee ($millions) | 3.6629% | 4,320 |
| Cash dividends to net income (ytd only)* | 15.8885% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1647% | 2,855 |
| Loan loss allowance to noncurrent loans | 729.1525% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.2541% | 3,435 |
| Noncurrent loans to loans | 0.1597% | 3,888 |
| Net loans and leases to total assets | 69.8585% | 2,271 |
| Net loans and leases to deposits | 80.2603% | 2,652 |
| Net loans and leases to core deposits | 84.0159% | 2,851 |
| Total domestic deposits to total assets | 87.0399% | 1,536 |
| Equity capital to assets | 12.3220% | 1,850 |
| Core capital (leverage) ratio | 10.6251% | 2,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $776,645,500 | 1,027 |
| Average earning assets | $707,292,000 | 1,027 |
| Average equity | $94,212,000 | 986 |
| Average total loans | $553,793,000 | 1,005 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3355% | 767 |
| Cost of funding earning assets | 0.6580% | 3,373 |
| Net interest margin | 4.6775% | 499 |
| Noninterest income to average assets | 1.0375% | 895 |
| Noninterest expense to average assets | 3.2125% | 1,493 |
| Loan and lease loss provision to assets | 0.1086% | 1,912 |
| Net operating income to assets | 1.9698% | 384 |
| Return on assets (ROA) | 1.9531% | 409 |
| Pretax return on assets | 1.9558% | 656 |
| Return on Equity (ROE) | 16.5738% | 468 |
| Retained earnings to average equity (ytd only) | 6.2703% | 1,733 |
| Net charge-offs to loans | 0.0772% | 1,997 |
| Credit loss provision to net charge-offs | 193.5867% | 1,368 |
| Earnings coverage of net charge-offs (x) | 37.0879% | 1,382 |
| Efficiency ratio | 60.3218% | 3,643 |
| Assets per employee ($millions) | 3.6465% | 4,328 |
| Cash dividends to net income (ytd only)* | 62.1673% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 2,834 |
| Loan loss allowance to noncurrent loans | 196.1721% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.4108% | 2,753 |
| Noncurrent loans to loans | 0.5711% | 2,475 |
| Net loans and leases to total assets | 71.1356% | 2,230 |
| Net loans and leases to deposits | 81.4593% | 2,621 |
| Net loans and leases to core deposits | 85.4139% | 2,834 |
| Total domestic deposits to total assets | 87.3266% | 1,442 |
| Equity capital to assets | 11.9357% | 2,176 |
| Core capital (leverage) ratio | 10.3570% | 3,123 |
| Tier 1 risk-based capital ratio | 14.2319% | 3,153 |
| Total risk-based capital ratio | 15.3602% | 3,123 |
| Memoranda: | ||
| Average total assets | $750,298,200 | 1,027 |
| Average earning assets | $682,689,800 | 1,023 |
| Average equity | $88,416,800 | 999 |
| Average total loans | $545,196,600 | 990 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3253% | 816 |
| Cost of funding earning assets | 0.6606% | 3,394 |
| Net interest margin | 4.6647% | 534 |
| Noninterest income to average assets | 1.0321% | 872 |
| Noninterest expense to average assets | 3.2084% | 1,451 |
| Loan and lease loss provision to assets | 0.0885% | 2,131 |
| Net operating income to assets | 1.9707% | 418 |
| Return on assets (ROA) | 1.9485% | 456 |
| Pretax return on assets | 1.9512% | 768 |
| Return on Equity (ROE) | 16.5897% | 526 |
| Retained earnings to average equity (ytd only) | 6.1441% | 2,301 |
| Net charge-offs to loans | 0.0457% | 2,184 |
| Credit loss provision to net charge-offs | 266.1290% | 1,042 |
| Earnings coverage of net charge-offs (x) | 61.9848% | 1,035 |
| Efficiency ratio | 60.5077% | 3,542 |
| Assets per employee ($millions) | 3.6044% | 4,386 |
| Cash dividends to net income (ytd only)* | 62.9647% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0980% | 3,037 |
| Loan loss allowance to noncurrent loans | 468.7356% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1684% | 3,903 |
| Noncurrent loans to loans | 0.2343% | 3,702 |
| Net loans and leases to total assets | 71.0985% | 2,307 |
| Net loans and leases to deposits | 81.8060% | 2,711 |
| Net loans and leases to core deposits | 85.3948% | 2,959 |
| Total domestic deposits to total assets | 86.9111% | 1,569 |
| Equity capital to assets | 11.6540% | 2,559 |
| Core capital (leverage) ratio | 10.3795% | 3,224 |
| Tier 1 risk-based capital ratio | 13.8130% | 3,419 |
| Total risk-based capital ratio | 14.9150% | 3,404 |
| Memoranda: | ||
| Average total assets | $745,517,250 | 1,029 |
| Average earning assets | $677,358,750 | 1,031 |
| Average equity | $87,562,000 | 1,006 |
| Average total loans | $543,112,250 | 993 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3306% | 760 |
| Cost of funding earning assets | 0.6600% | 3,354 |
| Net interest margin | 4.6707% | 525 |
| Noninterest income to average assets | 1.0330% | 814 |
| Noninterest expense to average assets | 3.2543% | 1,386 |
| Loan and lease loss provision to assets | 0.0748% | 2,323 |
| Net operating income to assets | 1.9432% | 430 |
| Return on assets (ROA) | 1.9094% | 491 |
| Pretax return on assets | 1.9124% | 815 |
| Return on Equity (ROE) | 16.2132% | 557 |
| Retained earnings to average equity (ytd only) | 9.6947% | 848 |
| Net charge-offs to loans | 0.0386% | 2,115 |
| Credit loss provision to net charge-offs | 264.4231% | 978 |
| Earnings coverage of net charge-offs (x) | 71.4808% | 881 |
| Efficiency ratio | 61.3141% | 3,538 |
| Assets per employee ($millions) | 3.4934% | 4,505 |
| Cash dividends to net income (ytd only)* | 40.2050% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1025% | 3,057 |
| Loan loss allowance to noncurrent loans | 433.5025% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.1853% | 3,835 |
| Noncurrent loans to loans | 0.2543% | 3,623 |
| Net loans and leases to total assets | 72.0694% | 2,210 |
| Net loans and leases to deposits | 82.6490% | 2,658 |
| Net loans and leases to core deposits | 86.1294% | 2,949 |
| Total domestic deposits to total assets | 87.1993% | 1,499 |
| Equity capital to assets | 12.0802% | 2,127 |
| Core capital (leverage) ratio | 10.5655% | 3,018 |
| Tier 1 risk-based capital ratio | 14.3912% | 3,121 |
| Total risk-based capital ratio | 15.5114% | 3,100 |
| Memoranda: | ||
| Average total assets | $735,710,330 | 1,038 |
| Average earning assets | $668,215,330 | 1,047 |
| Average equity | $86,645,670 | 1,009 |
| Average total loans | $538,454,330 | 1,001 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2790% | 784 |
| Cost of funding earning assets | 0.6588% | 3,269 |
| Net interest margin | 4.6202% | 584 |
| Noninterest income to average assets | 0.9771% | 864 |
| Noninterest expense to average assets | 3.2612% | 1,364 |
| Loan and lease loss provision to assets | 0.0820% | 2,058 |
| Net operating income to assets | 1.8181% | 556 |
| Return on assets (ROA) | 1.7738% | 632 |
| Pretax return on assets | 1.7771% | 1,027 |
| Return on Equity (ROE) | 15.2615% | 704 |
| Retained earnings to average equity (ytd only) | 13.9348% | 357 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7634% | 3,420 |
| Assets per employee ($millions) | 3.5079% | 4,554 |
| Cash dividends to net income (ytd only)* | 8.6930% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 3,144 |
| Loan loss allowance to noncurrent loans | 684.5977% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.1300% | 4,145 |
| Noncurrent loans to loans | 0.1603% | 4,025 |
| Net loans and leases to total assets | 72.5250% | 2,074 |
| Net loans and leases to deposits | 82.8029% | 2,529 |
| Net loans and leases to core deposits | 86.5446% | 2,822 |
| Total domestic deposits to total assets | 87.5875% | 1,524 |
| Equity capital to assets | 11.7774% | 2,173 |
| Core capital (leverage) ratio | 10.5140% | 3,036 |
| Tier 1 risk-based capital ratio | 13.9720% | 3,349 |
| Total risk-based capital ratio | 15.0738% | 3,353 |
| Memoranda: | ||
| Average total assets | $731,518,500 | 1,046 |
| Average earning assets | $663,003,500 | 1,058 |
| Average equity | $85,024,500 | 1,017 |
| Average total loans | $536,560,500 | 1,008 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1763% | 727 |
| Cost of funding earning assets | 0.5159% | 3,253 |
| Net interest margin | 4.6604% | 530 |
| Noninterest income to average assets | 1.0245% | 897 |
| Noninterest expense to average assets | 3.2857% | 1,356 |
| Loan and lease loss provision to assets | 0.1743% | 1,141 |
| Net operating income to assets | 1.7828% | 574 |
| Return on assets (ROA) | 1.7652% | 595 |
| Pretax return on assets | 1.7672% | 1,005 |
| Return on Equity (ROE) | 15.6487% | 696 |
| Retained earnings to average equity (ytd only) | 9.2735% | 789 |
| Net charge-offs to loans | 0.1024% | 1,734 |
| Credit loss provision to net charge-offs | 233.3333% | 1,267 |
| Earnings coverage of net charge-offs (x) | 26.2203% | 1,734 |
| Efficiency ratio | 62.2499% | 3,479 |
| Assets per employee ($millions) | 3.4587% | 4,594 |
| Cash dividends to net income (ytd only)* | 40.7395% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 3,129 |
| Loan loss allowance to noncurrent loans | 1,044.4245% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.0952% | 4,349 |
| Noncurrent loans to loans | 0.1048% | 4,265 |
| Net loans and leases to total assets | 72.5652% | 2,163 |
| Net loans and leases to deposits | 82.6413% | 2,659 |
| Net loans and leases to core deposits | 87.0259% | 2,838 |
| Total domestic deposits to total assets | 87.8074% | 1,387 |
| Equity capital to assets | 11.4649% | 2,277 |
| Core capital (leverage) ratio | 10.2180% | 3,339 |
| Tier 1 risk-based capital ratio | 13.7736% | 3,403 |
| Total risk-based capital ratio | 14.8763% | 3,393 |
| Memoranda: | ||
| Average total assets | $698,602,800 | 1,065 |
| Average earning assets | $632,653,400 | 1,068 |
| Average equity | $78,805,400 | 1,041 |
| Average total loans | $509,700,200 | 1,032 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0947% | 763 |
| Cost of funding earning assets | 0.4835% | 3,306 |
| Net interest margin | 4.6112% | 582 |
| Noninterest income to average assets | 1.0346% | 893 |
| Noninterest expense to average assets | 3.3232% | 1,251 |
| Loan and lease loss provision to assets | 0.2027% | 852 |
| Net operating income to assets | 1.6817% | 783 |
| Return on assets (ROA) | 1.6584% | 830 |
| Pretax return on assets | 1.6605% | 1,380 |
| Return on Equity (ROE) | 14.7646% | 927 |
| Retained earnings to average equity (ytd only) | 8.9438% | 1,240 |
| Net charge-offs to loans | 0.0862% | 1,647 |
| Credit loss provision to net charge-offs | 323.0061% | 969 |
| Earnings coverage of net charge-offs (x) | 30.0580% | 1,606 |
| Efficiency ratio | 63.3851% | 3,281 |
| Assets per employee ($millions) | 3.4138% | 4,665 |
| Cash dividends to net income (ytd only)* | 39.4242% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1064% | 3,151 |
| Loan loss allowance to noncurrent loans | 515.7244% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.2503% | 3,709 |
| Noncurrent loans to loans | 0.2145% | 3,937 |
| Net loans and leases to total assets | 73.4891% | 2,076 |
| Net loans and leases to deposits | 84.2031% | 2,579 |
| Net loans and leases to core deposits | 88.8246% | 2,765 |
| Total domestic deposits to total assets | 87.2761% | 1,610 |
| Equity capital to assets | 11.2282% | 2,450 |
| Core capital (leverage) ratio | 10.1973% | 3,411 |
| Tier 1 risk-based capital ratio | 13.5367% | 3,605 |
| Total risk-based capital ratio | 14.6592% | 3,597 |
| Memoranda: | ||
| Average total assets | $692,535,250 | 1,071 |
| Average earning assets | $627,042,500 | 1,080 |
| Average equity | $77,787,500 | 1,052 |
| Average total loans | $504,535,000 | 1,035 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0136% | 789 |
| Cost of funding earning assets | 0.4532% | 3,331 |
| Net interest margin | 4.5604% | 605 |
| Noninterest income to average assets | 1.0526% | 872 |
| Noninterest expense to average assets | 3.3442% | 1,224 |
| Loan and lease loss provision to assets | 0.2776% | 531 |
| Net operating income to assets | 1.5582% | 1,014 |
| Return on assets (ROA) | 1.5288% | 1,081 |
| Pretax return on assets | 1.5308% | 1,706 |
| Return on Equity (ROE) | 13.6089% | 1,179 |
| Retained earnings to average equity (ytd only) | 8.2239% | 1,532 |
| Net charge-offs to loans | 0.1264% | 1,171 |
| Credit loss provision to net charge-offs | 303.5032% | 989 |
| Earnings coverage of net charge-offs (x) | 20.0955% | 1,824 |
| Efficiency ratio | 64.1243% | 3,297 |
| Assets per employee ($millions) | 3.2728% | 4,848 |
| Cash dividends to net income (ytd only)* | 39.5694% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 3,102 |
| Loan loss allowance to noncurrent loans | 378.2895% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.3463% | 3,371 |
| Noncurrent loans to loans | 0.2986% | 3,629 |
| Net loans and leases to total assets | 72.2053% | 2,242 |
| Net loans and leases to deposits | 82.1096% | 2,756 |
| Net loans and leases to core deposits | 86.8767% | 2,835 |
| Total domestic deposits to total assets | 87.9377% | 1,416 |
| Equity capital to assets | 11.2042% | 2,449 |
| Core capital (leverage) ratio | 10.0715% | 3,503 |
| Tier 1 risk-based capital ratio | 13.5399% | 3,594 |
| Total risk-based capital ratio | 14.6794% | 3,577 |
| Memoranda: | ||
| Average total assets | $686,690,000 | 1,077 |
| Average earning assets | $621,787,000 | 1,090 |
| Average equity | $77,140,670 | 1,056 |
| Average total loans | $496,825,670 | 1,057 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8711% | 927 |
| Cost of funding earning assets | 0.4301% | 3,368 |
| Net interest margin | 4.4410% | 699 |
| Noninterest income to average assets | 1.0395% | 842 |
| Noninterest expense to average assets | 3.3333% | 1,288 |
| Loan and lease loss provision to assets | 0.1467% | 1,255 |
| Net operating income to assets | 1.5812% | 898 |
| Return on assets (ROA) | 1.5331% | 1,003 |
| Pretax return on assets | 1.5355% | 1,580 |
| Return on Equity (ROE) | 13.6292% | 1,103 |
| Retained earnings to average equity (ytd only) | 12.8048% | 549 |
| Net charge-offs to loans | 0.0090% | 2,416 |
| Credit loss provision to net charge-offs | 2,272.7273% | 161 |
| Earnings coverage of net charge-offs (x) | 268.0000% | 254 |
| Efficiency ratio | 65.4109% | 3,264 |
| Assets per employee ($millions) | 3.3482% | 4,846 |
| Cash dividends to net income (ytd only)* | 6.0490% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0899% | 3,450 |
| Loan loss allowance to noncurrent loans | 698.4334% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.2493% | 3,877 |
| Noncurrent loans to loans | 0.1561% | 4,283 |
| Net loans and leases to total assets | 71.0815% | 2,317 |
| Net loans and leases to deposits | 80.7673% | 2,723 |
| Net loans and leases to core deposits | 85.5062% | 2,844 |
| Total domestic deposits to total assets | 88.0078% | 1,615 |
| Equity capital to assets | 11.3495% | 2,256 |
| Core capital (leverage) ratio | 10.2193% | 3,278 |
| Tier 1 risk-based capital ratio | 14.2974% | 3,228 |
| Total risk-based capital ratio | 15.4295% | 3,208 |
| Memoranda: | ||
| Average total assets | $681,487,000 | 1,089 |
| Average earning assets | $617,521,500 | 1,106 |
| Average equity | $76,659,000 | 1,070 |
| Average total loans | $490,693,500 | 1,072 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8545% | 883 |
| Cost of funding earning assets | 0.3687% | 3,531 |
| Net interest margin | 4.4859% | 633 |
| Noninterest income to average assets | 1.0241% | 971 |
| Noninterest expense to average assets | 3.2574% | 1,472 |
| Loan and lease loss provision to assets | 0.0805% | 2,592 |
| Net operating income to assets | 1.7388% | 485 |
| Return on assets (ROA) | 1.7388% | 496 |
| Pretax return on assets | 1.7405% | 915 |
| Return on Equity (ROE) | 15.3935% | 560 |
| Retained earnings to average equity (ytd only) | 7.9194% | 796 |
| Net charge-offs to loans | 0.1086% | 1,982 |
| Credit loss provision to net charge-offs | 105.8468% | 2,435 |
| Earnings coverage of net charge-offs (x) | 23.9435% | 1,781 |
| Efficiency ratio | 63.5749% | 3,667 |
| Assets per employee ($millions) | 3.5599% | 4,623 |
| Cash dividends to net income (ytd only)* | 48.5538% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0419% | 3,674 |
| Loan loss allowance to noncurrent loans | 343.7122% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.3378% | 3,512 |
| Noncurrent loans to loans | 0.3031% | 3,696 |
| Net loans and leases to total assets | 71.3909% | 2,321 |
| Net loans and leases to deposits | 81.8195% | 2,738 |
| Net loans and leases to core deposits | 86.1137% | 2,901 |
| Total domestic deposits to total assets | 87.2542% | 1,875 |
| Equity capital to assets | 11.1476% | 2,490 |
| Core capital (leverage) ratio | 9.9259% | 3,545 |
| Tier 1 risk-based capital ratio | 13.5748% | 3,584 |
| Total risk-based capital ratio | 14.6368% | 3,605 |
| Memoranda: | ||
| Average total assets | $652,182,400 | 1,116 |
| Average earning assets | $589,428,200 | 1,134 |
| Average equity | $73,667,400 | 1,083 |
| Average total loans | $456,558,600 | 1,109 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8386% | 858 |
| Cost of funding earning assets | 0.3521% | 3,646 |
| Net interest margin | 4.4865% | 619 |
| Noninterest income to average assets | 1.0355% | 951 |
| Noninterest expense to average assets | 3.2965% | 1,357 |
| Loan and lease loss provision to assets | 0.0868% | 2,351 |
| Net operating income to assets | 1.7029% | 576 |
| Return on assets (ROA) | 1.7039% | 587 |
| Pretax return on assets | 1.7052% | 1,110 |
| Return on Equity (ROE) | 15.0330% | 647 |
| Retained earnings to average equity (ytd only) | 8.6104% | 976 |
| Net charge-offs to loans | 0.1238% | 1,548 |
| Credit loss provision to net charge-offs | 100.9615% | 2,256 |
| Earnings coverage of net charge-offs (x) | 20.8342% | 1,936 |
| Efficiency ratio | 64.1795% | 3,512 |
| Assets per employee ($millions) | 3.4639% | 4,781 |
| Cash dividends to net income (ytd only)* | 42.7238% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1084% | 3,440 |
| Loan loss allowance to noncurrent loans | 231.4975% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.4630% | 3,182 |
| Noncurrent loans to loans | 0.4788% | 3,250 |
| Net loans and leases to total assets | 68.5870% | 2,760 |
| Net loans and leases to deposits | 78.1561% | 3,148 |
| Net loans and leases to core deposits | 82.1672% | 3,268 |
| Total domestic deposits to total assets | 87.7565% | 1,496 |
| Equity capital to assets | 11.4521% | 2,420 |
| Core capital (leverage) ratio | 10.1074% | 3,434 |
| Tier 1 risk-based capital ratio | 14.0575% | 3,418 |
| Total risk-based capital ratio | 15.1713% | 3,410 |
| Memoranda: | ||
| Average total assets | $645,242,750 | 1,136 |
| Average earning assets | $582,738,000 | 1,148 |
| Average equity | $73,135,000 | 1,098 |
| Average total loans | $448,066,500 | 1,140 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8353% | 795 |
| Cost of funding earning assets | 0.3427% | 3,657 |
| Net interest margin | 4.4925% | 573 |
| Noninterest income to average assets | 1.0035% | 1,010 |
| Noninterest expense to average assets | 3.2914% | 1,390 |
| Loan and lease loss provision to assets | 0.0813% | 2,361 |
| Net operating income to assets | 1.6862% | 578 |
| Return on assets (ROA) | 1.6877% | 587 |
| Pretax return on assets | 1.6890% | 1,084 |
| Return on Equity (ROE) | 14.9437% | 664 |
| Retained earnings to average equity (ytd only) | 9.1949% | 783 |
| Net charge-offs to loans | 0.1678% | 1,158 |
| Credit loss provision to net charge-offs | 69.7051% | 2,381 |
| Earnings coverage of net charge-offs (x) | 15.1689% | 2,038 |
| Efficiency ratio | 64.3356% | 3,622 |
| Assets per employee ($millions) | 3.3885% | 4,874 |
| Cash dividends to net income (ytd only)* | 38.4701% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 3,664 |
| Loan loss allowance to noncurrent loans | 299.3373% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.4047% | 3,488 |
| Noncurrent loans to loans | 0.3626% | 3,731 |
| Net loans and leases to total assets | 69.9664% | 2,530 |
| Net loans and leases to deposits | 79.7127% | 2,944 |
| Net loans and leases to core deposits | 83.8059% | 3,088 |
| Total domestic deposits to total assets | 87.7732% | 1,583 |
| Equity capital to assets | 11.5048% | 2,315 |
| Core capital (leverage) ratio | 9.9282% | 3,620 |
| Tier 1 risk-based capital ratio | 13.7205% | 3,577 |
| Total risk-based capital ratio | 14.8068% | 3,584 |
| Memoranda: | ||
| Average total assets | $639,790,670 | 1,144 |
| Average earning assets | $577,712,000 | 1,165 |
| Average equity | $72,257,670 | 1,108 |
| Average total loans | $444,469,670 | 1,151 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7566% | 832 |
| Cost of funding earning assets | 0.3352% | 3,699 |
| Net interest margin | 4.4214% | 616 |
| Noninterest income to average assets | 0.9294% | 1,167 |
| Noninterest expense to average assets | 3.3021% | 1,388 |
| Loan and lease loss provision to assets | 0.0660% | 2,482 |
| Net operating income to assets | 1.5589% | 732 |
| Return on assets (ROA) | 1.5728% | 733 |
| Pretax return on assets | 1.5734% | 1,300 |
| Return on Equity (ROE) | 14.0592% | 801 |
| Retained earnings to average equity (ytd only) | 13.2440% | 356 |
| Net charge-offs to loans | 0.2485% | 724 |
| Credit loss provision to net charge-offs | 38.6029% | 2,072 |
| Earnings coverage of net charge-offs (x) | 9.5037% | 1,990 |
| Efficiency ratio | 66.0031% | 3,496 |
| Assets per employee ($millions) | 3.3763% | 4,962 |
| Cash dividends to net income (ytd only)* | 5.7977% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1006% | 3,714 |
| Loan loss allowance to noncurrent loans | 512.5130% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.2974% | 4,005 |
| Noncurrent loans to loans | 0.2147% | 4,337 |
| Net loans and leases to total assets | 68.4880% | 2,608 |
| Net loans and leases to deposits | 77.7365% | 3,005 |
| Net loans and leases to core deposits | 81.7731% | 3,114 |
| Total domestic deposits to total assets | 88.1028% | 1,658 |
| Equity capital to assets | 11.2613% | 2,375 |
| Core capital (leverage) ratio | 9.8792% | 3,649 |
| Tier 1 risk-based capital ratio | 13.7539% | 3,630 |
| Total risk-based capital ratio | 14.8482% | 3,636 |
| Memoranda: | ||
| Average total assets | $636,081,500 | 1,149 |
| Average earning assets | $575,206,500 | 1,171 |
| Average equity | $71,156,500 | 1,118 |
| Average total loans | $437,805,500 | 1,165 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9174% | 716 |
| Cost of funding earning assets | 0.3612% | 3,401 |
| Net interest margin | 4.5562% | 546 |
| Noninterest income to average assets | 1.3309% | 643 |
| Noninterest expense to average assets | 3.6875% | 900 |
| Loan and lease loss provision to assets | 0.0210% | 3,951 |
| Net operating income to assets | 1.7650% | 474 |
| Return on assets (ROA) | 1.7644% | 495 |
| Pretax return on assets | 1.7656% | 864 |
| Return on Equity (ROE) | 16.9963% | 407 |
| Retained earnings to average equity (ytd only) | -1.4008% | 5,485 |
| Net charge-offs to loans | 0.0267% | 3,500 |
| Credit loss provision to net charge-offs | 110.4167% | 2,369 |
| Earnings coverage of net charge-offs (x) | 93.8438% | 633 |
| Efficiency ratio | 66.6051% | 3,496 |
| Assets per employee ($millions) | 3.4279% | 4,859 |
| Cash dividends to net income (ytd only)* | 108.2415% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1845% | 3,207 |
| Loan loss allowance to noncurrent loans | 265.6560% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.3557% | 3,858 |
| Noncurrent loans to loans | 0.4459% | 3,548 |
| Net loans and leases to total assets | 67.5849% | 2,838 |
| Net loans and leases to deposits | 76.6693% | 3,242 |
| Net loans and leases to core deposits | 80.8454% | 3,321 |
| Total domestic deposits to total assets | 88.1512% | 1,561 |
| Equity capital to assets | 11.1100% | 2,529 |
| Core capital (leverage) ratio | 9.6344% | 3,925 |
| Tier 1 risk-based capital ratio | 13.8164% | 3,570 |
| Total risk-based capital ratio | 14.9935% | 3,517 |
| Memoranda: | ||
| Average total assets | $504,080,200 | 1,361 |
| Average earning assets | $458,451,400 | 1,393 |
| Average equity | $52,329,000 | 1,467 |
| Average total loans | $359,978,600 | 1,306 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8601% | 793 |
| Cost of funding earning assets | 0.3553% | 3,484 |
| Net interest margin | 4.5048% | 621 |
| Noninterest income to average assets | 1.3855% | 619 |
| Noninterest expense to average assets | 3.7499% | 791 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.7345% | 556 |
| Return on assets (ROA) | 1.7345% | 590 |
| Pretax return on assets | 1.7359% | 1,025 |
| Return on Equity (ROE) | 17.1066% | 435 |
| Retained earnings to average equity (ytd only) | -4.5649% | 5,720 |
| Net charge-offs to loans | 0.0062% | 3,692 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 385.1753% | 232 |
| Efficiency ratio | 67.6989% | 3,282 |
| Assets per employee ($millions) | 3.2399% | 5,121 |
| Cash dividends to net income (ytd only)* | 126.6850% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4721% | 1,875 |
| Loan loss allowance to noncurrent loans | 329.8108% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.4709% | 3,543 |
| Noncurrent loans to loans | 0.4463% | 3,679 |
| Net loans and leases to total assets | 68.2668% | 2,760 |
| Net loans and leases to deposits | 75.9678% | 3,402 |
| Net loans and leases to core deposits | 78.7604% | 3,582 |
| Total domestic deposits to total assets | 89.8628% | 526 |
| Equity capital to assets | 9.2217% | 4,953 |
| Core capital (leverage) ratio | 9.2033% | 4,582 |
| Tier 1 risk-based capital ratio | 12.3561% | 4,569 |
| Total risk-based capital ratio | 13.6086% | 4,468 |
| Memoranda: | ||
| Average total assets | $473,275,750 | 1,447 |
| Average earning assets | $430,791,000 | 1,468 |
| Average equity | $47,988,000 | 1,585 |
| Average total loans | $342,713,000 | 1,361 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9339% | 668 |
| Cost of funding earning assets | 0.3640% | 3,414 |
| Net interest margin | 4.5700% | 532 |
| Noninterest income to average assets | 1.4843% | 538 |
| Noninterest expense to average assets | 3.6986% | 886 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.9412% | 369 |
| Return on assets (ROA) | 1.9412% | 389 |
| Pretax return on assets | 1.9425% | 644 |
| Return on Equity (ROE) | 18.5490% | 323 |
| Retained earnings to average equity (ytd only) | 11.4469% | 386 |
| Net charge-offs to loans | -0.0006% | 4,303 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9186% | 3,858 |
| Assets per employee ($millions) | 3.0778% | 5,344 |
| Cash dividends to net income (ytd only)* | 38.2880% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4768% | 1,957 |
| Loan loss allowance to noncurrent loans | 287.2593% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.5419% | 3,408 |
| Noncurrent loans to loans | 0.5141% | 3,541 |
| Net loans and leases to total assets | 72.3450% | 2,116 |
| Net loans and leases to deposits | 81.8660% | 2,723 |
| Net loans and leases to core deposits | 85.3850% | 2,948 |
| Total domestic deposits to total assets | 88.3700% | 1,234 |
| Equity capital to assets | 10.7262% | 3,368 |
| Core capital (leverage) ratio | 10.3421% | 3,143 |
| Tier 1 risk-based capital ratio | 13.7744% | 3,735 |
| Total risk-based capital ratio | 15.0271% | 3,652 |
| Memoranda: | ||
| Average total assets | $465,801,670 | 1,475 |
| Average earning assets | $423,678,670 | 1,496 |
| Average equity | $48,746,670 | 1,558 |
| Average total loans | $342,466,330 | 1,362 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9064% | 683 |
| Cost of funding earning assets | 0.3675% | 3,423 |
| Net interest margin | 4.5389% | 567 |
| Noninterest income to average assets | 1.1067% | 890 |
| Noninterest expense to average assets | 3.6593% | 947 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5809% | 729 |
| Return on assets (ROA) | 1.5809% | 767 |
| Pretax return on assets | 1.5826% | 1,341 |
| Return on Equity (ROE) | 15.2986% | 625 |
| Retained earnings to average equity (ytd only) | 15.0155% | 245 |
| Net charge-offs to loans | -0.0222% | 4,906 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1020% | 3,282 |
| Assets per employee ($millions) | 3.0544% | 5,449 |
| Cash dividends to net income (ytd only)* | 1.8508% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4864% | 2,051 |
| Loan loss allowance to noncurrent loans | 239.5765% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.5417% | 3,443 |
| Noncurrent loans to loans | 0.6204% | 3,312 |
| Net loans and leases to total assets | 72.6775% | 1,923 |
| Net loans and leases to deposits | 82.1944% | 2,520 |
| Net loans and leases to core deposits | 85.7000% | 2,775 |
| Total domestic deposits to total assets | 88.4215% | 1,394 |
| Equity capital to assets | 10.5737% | 3,398 |
| Core capital (leverage) ratio | 10.1933% | 3,323 |
| Tier 1 risk-based capital ratio | 13.5233% | 3,969 |
| Total risk-based capital ratio | 14.7761% | 3,891 |
| Memoranda: | ||
| Average total assets | $464,793,500 | 1,477 |
| Average earning assets | $423,450,500 | 1,498 |
| Average equity | $48,030,500 | 1,573 |
| Average total loans | $341,941,500 | 1,359 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8823% | 795 |
| Cost of funding earning assets | 0.3889% | 3,275 |
| Net interest margin | 4.4933% | 666 |
| Noninterest income to average assets | 1.1404% | 904 |
| Noninterest expense to average assets | 3.5019% | 1,285 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.7633% | 513 |
| Return on assets (ROA) | 1.7602% | 534 |
| Pretax return on assets | 1.7617% | 870 |
| Return on Equity (ROE) | 17.4997% | 413 |
| Retained earnings to average equity (ytd only) | 6.6301% | 1,478 |
| Net charge-offs to loans | 0.0431% | 3,353 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 55.8828% | 926 |
| Efficiency ratio | 65.7845% | 3,940 |
| Assets per employee ($millions) | 3.1230% | 5,387 |
| Cash dividends to net income (ytd only)* | 62.1133% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4858% | 2,082 |
| Loan loss allowance to noncurrent loans | 239.5843% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.5446% | 3,472 |
| Noncurrent loans to loans | 0.6201% | 3,323 |
| Net loans and leases to total assets | 72.2733% | 2,003 |
| Net loans and leases to deposits | 81.3692% | 2,667 |
| Net loans and leases to core deposits | 84.7856% | 2,907 |
| Total domestic deposits to total assets | 88.8215% | 1,215 |
| Equity capital to assets | 10.0943% | 3,865 |
| Core capital (leverage) ratio | 9.6230% | 4,016 |
| Tier 1 risk-based capital ratio | 13.0523% | 4,273 |
| Total risk-based capital ratio | 14.3052% | 4,187 |
| Memoranda: | ||
| Average total assets | $459,151,000 | 1,463 |
| Average earning assets | $421,649,400 | 1,475 |
| Average equity | $46,183,600 | 1,597 |
| Average total loans | $336,115,000 | 1,331 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8745% | 812 |
| Cost of funding earning assets | 0.3910% | 3,312 |
| Net interest margin | 4.4835% | 674 |
| Noninterest income to average assets | 1.1398% | 922 |
| Noninterest expense to average assets | 3.4905% | 1,304 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.7671% | 558 |
| Return on assets (ROA) | 1.7671% | 573 |
| Pretax return on assets | 1.7689% | 954 |
| Return on Equity (ROE) | 17.5843% | 432 |
| Retained earnings to average equity (ytd only) | 9.5242% | 732 |
| Net charge-offs to loans | 0.0470% | 2,955 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 51.4489% | 1,020 |
| Efficiency ratio | 65.6584% | 3,954 |
| Assets per employee ($millions) | 3.2087% | 5,269 |
| Cash dividends to net income (ytd only)* | 45.8367% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5049% | 2,137 |
| Loan loss allowance to noncurrent loans | 176.7418% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.7190% | 3,109 |
| Noncurrent loans to loans | 0.8515% | 2,844 |
| Net loans and leases to total assets | 72.2293% | 2,024 |
| Net loans and leases to deposits | 81.5270% | 2,702 |
| Net loans and leases to core deposits | 84.9548% | 2,955 |
| Total domestic deposits to total assets | 88.5956% | 1,243 |
| Equity capital to assets | 10.2706% | 3,852 |
| Core capital (leverage) ratio | 9.7815% | 3,924 |
| Tier 1 risk-based capital ratio | 13.4457% | 4,171 |
| Total risk-based capital ratio | 14.6991% | 4,092 |
| Memoranda: | ||
| Average total assets | $457,608,500 | 1,474 |
| Average earning assets | $420,460,000 | 1,483 |
| Average equity | $45,986,750 | 1,614 |
| Average total loans | $334,800,000 | 1,340 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8541% | 800 |
| Cost of funding earning assets | 0.3940% | 3,336 |
| Net interest margin | 4.4602% | 680 |
| Noninterest income to average assets | 1.1207% | 963 |
| Noninterest expense to average assets | 3.4644% | 1,355 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7600% | 557 |
| Return on assets (ROA) | 1.7600% | 583 |
| Pretax return on assets | 1.7618% | 954 |
| Return on Equity (ROE) | 17.6450% | 438 |
| Retained earnings to average equity (ytd only) | 9.6621% | 739 |
| Net charge-offs to loans | 0.0462% | 2,773 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 52.1818% | 927 |
| Efficiency ratio | 65.5760% | 4,092 |
| Assets per employee ($millions) | 3.1400% | 5,418 |
| Cash dividends to net income (ytd only)* | 45.2417% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5301% | 2,161 |
| Loan loss allowance to noncurrent loans | 173.4143% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.7227% | 3,219 |
| Noncurrent loans to loans | 0.8824% | 2,919 |
| Net loans and leases to total assets | 72.1531% | 1,954 |
| Net loans and leases to deposits | 81.1767% | 2,646 |
| Net loans and leases to core deposits | 84.4826% | 2,935 |
| Total domestic deposits to total assets | 88.8840% | 1,198 |
| Equity capital to assets | 10.0696% | 3,957 |
| Core capital (leverage) ratio | 9.7094% | 3,984 |
| Tier 1 risk-based capital ratio | 13.3281% | 4,330 |
| Total risk-based capital ratio | 14.5817% | 4,253 |
| Memoranda: | ||
| Average total assets | $456,128,670 | 1,489 |
| Average earning assets | $419,850,000 | 1,497 |
| Average equity | $45,497,330 | 1,633 |
| Average total loans | $333,455,670 | 1,347 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8649% | 754 |
| Cost of funding earning assets | 0.3970% | 3,339 |
| Net interest margin | 4.4679% | 642 |
| Noninterest income to average assets | 1.0445% | 1,024 |
| Noninterest expense to average assets | 3.4455% | 1,414 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7223% | 563 |
| Return on assets (ROA) | 1.7223% | 593 |
| Pretax return on assets | 1.7249% | 1,001 |
| Return on Equity (ROE) | 17.3499% | 446 |
| Retained earnings to average equity (ytd only) | 17.0576% | 177 |
| Net charge-offs to loans | 0.0530% | 2,246 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 44.5909% | 906 |
| Efficiency ratio | 65.9072% | 4,175 |
| Assets per employee ($millions) | 3.1688% | 5,452 |
| Cash dividends to net income (ytd only)* | 1.6845% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5568% | 2,207 |
| Loan loss allowance to noncurrent loans | 239.3799% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.5374% | 3,885 |
| Noncurrent loans to loans | 0.6503% | 3,648 |
| Net loans and leases to total assets | 71.6874% | 1,861 |
| Net loans and leases to deposits | 80.6333% | 2,486 |
| Net loans and leases to core deposits | 84.1552% | 2,751 |
| Total domestic deposits to total assets | 88.9054% | 1,332 |
| Equity capital to assets | 10.1472% | 3,949 |
| Core capital (leverage) ratio | 9.6252% | 4,117 |
| Tier 1 risk-based capital ratio | 13.6573% | 4,243 |
| Total risk-based capital ratio | 14.9117% | 4,146 |
| Memoranda: | ||
| Average total assets | $454,973,500 | 1,497 |
| Average earning assets | $420,151,500 | 1,504 |
| Average equity | $45,164,500 | 1,649 |
| Average total loans | $332,224,500 | 1,355 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8699% | 974 |
| Cost of funding earning assets | 0.4383% | 3,298 |
| Net interest margin | 4.4316% | 845 |
| Noninterest income to average assets | 1.1563% | 901 |
| Noninterest expense to average assets | 3.6397% | 1,232 |
| Loan and lease loss provision to assets | 0.0674% | 3,142 |
| Net operating income to assets | 1.5147% | 853 |
| Return on assets (ROA) | 1.5118% | 890 |
| Pretax return on assets | 1.5127% | 1,495 |
| Return on Equity (ROE) | 15.5994% | 680 |
| Retained earnings to average equity (ytd only) | 5.9645% | 1,952 |
| Net charge-offs to loans | 0.1009% | 3,063 |
| Credit loss provision to net charge-offs | 91.7431% | 2,611 |
| Earnings coverage of net charge-offs (x) | 21.5566% | 1,671 |
| Efficiency ratio | 68.9556% | 3,721 |
| Assets per employee ($millions) | 3.1071% | 5,555 |
| Cash dividends to net income (ytd only)* | 61.7647% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5706% | 2,188 |
| Loan loss allowance to noncurrent loans | 208.3466% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.6102% | 3,761 |
| Noncurrent loans to loans | 0.7538% | 3,436 |
| Net loans and leases to total assets | 72.0714% | 1,899 |
| Net loans and leases to deposits | 80.7079% | 2,637 |
| Net loans and leases to core deposits | 84.7059% | 2,823 |
| Total domestic deposits to total assets | 89.2991% | 1,071 |
| Equity capital to assets | 9.7052% | 4,463 |
| Core capital (leverage) ratio | 9.0389% | 4,932 |
| Tier 1 risk-based capital ratio | 12.8217% | 4,846 |
| Total risk-based capital ratio | 14.0761% | 4,752 |
| Memoranda: | ||
| Average total assets | $445,309,800 | 1,489 |
| Average earning assets | $408,610,400 | 1,498 |
| Average equity | $43,155,600 | 1,666 |
| Average total loans | $323,950,000 | 1,349 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8758% | 979 |
| Cost of funding earning assets | 0.4428% | 3,338 |
| Net interest margin | 4.4329% | 844 |
| Noninterest income to average assets | 1.1272% | 955 |
| Noninterest expense to average assets | 3.5310% | 1,408 |
| Loan and lease loss provision to assets | 0.0376% | 3,648 |
| Net operating income to assets | 1.6136% | 730 |
| Return on assets (ROA) | 1.6136% | 759 |
| Pretax return on assets | 1.6148% | 1,282 |
| Return on Equity (ROE) | 16.6563% | 599 |
| Retained earnings to average equity (ytd only) | 8.6635% | 1,112 |
| Net charge-offs to loans | 0.0650% | 3,270 |
| Credit loss provision to net charge-offs | 79.6178% | 2,602 |
| Earnings coverage of net charge-offs (x) | 34.9870% | 1,237 |
| Efficiency ratio | 67.3786% | 3,969 |
| Assets per employee ($millions) | 3.1340% | 5,535 |
| Cash dividends to net income (ytd only)* | 47.9865% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6004% | 2,301 |
| Loan loss allowance to noncurrent loans | 219.8229% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.5839% | 4,094 |
| Noncurrent loans to loans | 0.7280% | 3,780 |
| Net loans and leases to total assets | 71.0093% | 2,024 |
| Net loans and leases to deposits | 79.5502% | 2,763 |
| Net loans and leases to core deposits | 83.5384% | 2,940 |
| Total domestic deposits to total assets | 89.2635% | 1,095 |
| Equity capital to assets | 9.8085% | 4,410 |
| Core capital (leverage) ratio | 9.3920% | 4,524 |
| Tier 1 risk-based capital ratio | 13.0663% | 4,822 |
| Total risk-based capital ratio | 14.3209% | 4,747 |
| Memoranda: | ||
| Average total assets | $443,226,750 | 1,513 |
| Average earning assets | $405,559,250 | 1,517 |
| Average equity | $42,937,750 | 1,684 |
| Average total loans | $321,896,750 | 1,363 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8980% | 914 |
| Cost of funding earning assets | 0.4468% | 3,366 |
| Net interest margin | 4.4512% | 776 |
| Noninterest income to average assets | 1.1250% | 931 |
| Noninterest expense to average assets | 3.5479% | 1,393 |
| Loan and lease loss provision to assets | 0.0567% | 3,159 |
| Net operating income to assets | 1.5849% | 728 |
| Return on assets (ROA) | 1.5849% | 762 |
| Pretax return on assets | 1.5867% | 1,283 |
| Return on Equity (ROE) | 16.4300% | 610 |
| Retained earnings to average equity (ytd only) | 9.2245% | 908 |
| Net charge-offs to loans | 0.0830% | 2,861 |
| Credit loss provision to net charge-offs | 93.9850% | 2,114 |
| Earnings coverage of net charge-offs (x) | 27.2180% | 1,351 |
| Efficiency ratio | 67.5995% | 4,086 |
| Assets per employee ($millions) | 3.0948% | 5,603 |
| Cash dividends to net income (ytd only)* | 43.8556% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6210% | 2,390 |
| Loan loss allowance to noncurrent loans | 546.5553% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.2172% | 5,466 |
| Noncurrent loans to loans | 0.2966% | 5,130 |
| Net loans and leases to total assets | 71.3034% | 1,864 |
| Net loans and leases to deposits | 79.7342% | 2,549 |
| Net loans and leases to core deposits | 83.8310% | 2,757 |
| Total domestic deposits to total assets | 89.4264% | 1,140 |
| Equity capital to assets | 9.7400% | 4,444 |
| Core capital (leverage) ratio | 9.3297% | 4,553 |
| Tier 1 risk-based capital ratio | 12.7861% | 5,046 |
| Total risk-based capital ratio | 14.0408% | 4,984 |
| Memoranda: | ||
| Average total assets | $440,538,000 | 1,524 |
| Average earning assets | $402,450,670 | 1,524 |
| Average equity | $42,495,330 | 1,682 |
| Average total loans | $320,638,330 | 1,359 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8879% | 892 |
| Cost of funding earning assets | 0.4495% | 3,435 |
| Net interest margin | 4.4383% | 741 |
| Noninterest income to average assets | 1.1197% | 888 |
| Noninterest expense to average assets | 3.5609% | 1,375 |
| Loan and lease loss provision to assets | 0.1142% | 2,049 |
| Net operating income to assets | 1.4987% | 820 |
| Return on assets (ROA) | 1.4987% | 850 |
| Pretax return on assets | 1.5024% | 1,423 |
| Return on Equity (ROE) | 15.6139% | 691 |
| Retained earnings to average equity (ytd only) | 15.2999% | 305 |
| Net charge-offs to loans | 0.1653% | 1,729 |
| Credit loss provision to net charge-offs | 94.6970% | 1,753 |
| Earnings coverage of net charge-offs (x) | 13.4091% | 1,668 |
| Efficiency ratio | 68.0191% | 4,180 |
| Assets per employee ($millions) | 3.0837% | 5,719 |
| Cash dividends to net income (ytd only)* | 2.0110% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6364% | 2,556 |
| Loan loss allowance to noncurrent loans | 595.7907% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.2592% | 5,405 |
| Noncurrent loans to loans | 0.2747% | 5,285 |
| Net loans and leases to total assets | 71.3857% | 1,665 |
| Net loans and leases to deposits | 79.7636% | 2,328 |
| Net loans and leases to core deposits | 83.4809% | 2,575 |
| Total domestic deposits to total assets | 89.4965% | 1,366 |
| Equity capital to assets | 9.7234% | 4,200 |
| Core capital (leverage) ratio | 9.4104% | 4,408 |
| Tier 1 risk-based capital ratio | 12.7878% | 5,130 |
| Total risk-based capital ratio | 14.0429% | 5,066 |
| Memoranda: | ||
| Average total assets | $437,979,000 | 1,539 |
| Average earning assets | $400,419,500 | 1,534 |
| Average equity | $42,039,500 | 1,700 |
| Average total loans | $319,455,500 | 1,364 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8833% | 1,124 |
| Cost of funding earning assets | 0.5201% | 3,394 |
| Net interest margin | 4.3632% | 966 |
| Noninterest income to average assets | 1.0805% | 1,214 |
| Noninterest expense to average assets | 3.3492% | 2,003 |
| Loan and lease loss provision to assets | 0.2889% | 1,186 |
| Net operating income to assets | 1.4395% | 938 |
| Return on assets (ROA) | 1.4370% | 983 |
| Pretax return on assets | 1.4402% | 1,652 |
| Return on Equity (ROE) | 15.3909% | 699 |
| Retained earnings to average equity (ytd only) | 6.0797% | 1,921 |
| Net charge-offs to loans | 0.3196% | 2,085 |
| Credit loss provision to net charge-offs | 126.0000% | 1,883 |
| Earnings coverage of net charge-offs (x) | 7.5530% | 2,818 |
| Efficiency ratio | 65.1475% | 4,705 |
| Assets per employee ($millions) | 3.0208% | 5,798 |
| Cash dividends to net income (ytd only)* | 60.4978% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6448% | 2,593 |
| Loan loss allowance to noncurrent loans | 136.9452% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.9623% | 3,494 |
| Noncurrent loans to loans | 1.2011% | 3,145 |
| Net loans and leases to total assets | 72.1030% | 1,663 |
| Net loans and leases to deposits | 80.4150% | 2,399 |
| Net loans and leases to core deposits | 84.0806% | 2,669 |
| Total domestic deposits to total assets | 89.6637% | 1,240 |
| Equity capital to assets | 9.4719% | 4,468 |
| Core capital (leverage) ratio | 8.9234% | 5,116 |
| Tier 1 risk-based capital ratio | 12.3376% | 5,403 |
| Total risk-based capital ratio | 13.5928% | 5,324 |
| Memoranda: | ||
| Average total assets | $436,193,200 | 1,516 |
| Average earning assets | $399,916,800 | 1,509 |
| Average equity | $40,725,400 | 1,718 |
| Average total loans | $312,844,200 | 1,353 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8811% | 1,161 |
| Cost of funding earning assets | 0.5344% | 3,424 |
| Net interest margin | 4.3466% | 995 |
| Noninterest income to average assets | 1.0926% | 1,224 |
| Noninterest expense to average assets | 3.3255% | 2,015 |
| Loan and lease loss provision to assets | 0.1405% | 2,533 |
| Net operating income to assets | 1.6061% | 744 |
| Return on assets (ROA) | 1.6061% | 786 |
| Pretax return on assets | 1.6091% | 1,320 |
| Return on Equity (ROE) | 17.2646% | 514 |
| Retained earnings to average equity (ytd only) | 9.3185% | 959 |
| Net charge-offs to loans | 0.3636% | 1,745 |
| Credit loss provision to net charge-offs | 54.1814% | 3,413 |
| Earnings coverage of net charge-offs (x) | 6.7468% | 2,913 |
| Efficiency ratio | 64.7547% | 4,688 |
| Assets per employee ($millions) | 3.1709% | 5,559 |
| Cash dividends to net income (ytd only)* | 46.0252% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4706% | 3,588 |
| Loan loss allowance to noncurrent loans | 157.0208% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.7183% | 4,310 |
| Noncurrent loans to loans | 0.9365% | 3,942 |
| Net loans and leases to total assets | 70.3719% | 1,898 |
| Net loans and leases to deposits | 78.5594% | 2,578 |
| Net loans and leases to core deposits | 82.0483% | 2,870 |
| Total domestic deposits to total assets | 89.5780% | 1,241 |
| Equity capital to assets | 9.5118% | 4,543 |
| Core capital (leverage) ratio | 9.0099% | 5,113 |
| Tier 1 risk-based capital ratio | 12.6734% | 5,344 |
| Total risk-based capital ratio | 13.9266% | 5,287 |
| Memoranda: | ||
| Average total assets | $436,494,000 | 1,529 |
| Average earning assets | $399,931,250 | 1,521 |
| Average equity | $40,606,250 | 1,734 |
| Average total loans | $311,333,750 | 1,366 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8607% | 1,190 |
| Cost of funding earning assets | 0.5491% | 3,425 |
| Net interest margin | 4.3115% | 1,005 |
| Noninterest income to average assets | 1.0726% | 1,333 |
| Noninterest expense to average assets | 3.2770% | 2,139 |
| Loan and lease loss provision to assets | 0.1192% | 2,832 |
| Net operating income to assets | 1.6266% | 714 |
| Return on assets (ROA) | 1.6266% | 780 |
| Pretax return on assets | 1.6298% | 1,278 |
| Return on Equity (ROE) | 17.6171% | 497 |
| Retained earnings to average equity (ytd only) | 10.3706% | 767 |
| Net charge-offs to loans | 0.5043% | 1,301 |
| Credit loss provision to net charge-offs | 33.1633% | 3,538 |
| Earnings coverage of net charge-offs (x) | 4.8648% | 3,013 |
| Efficiency ratio | 64.4252% | 4,802 |
| Assets per employee ($millions) | 3.1516% | 5,581 |
| Cash dividends to net income (ytd only)* | 41.1334% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4245% | 3,927 |
| Loan loss allowance to noncurrent loans | 186.0300% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.7305% | 4,391 |
| Noncurrent loans to loans | 0.7657% | 4,388 |
| Net loans and leases to total assets | 69.9631% | 1,891 |
| Net loans and leases to deposits | 77.7843% | 2,591 |
| Net loans and leases to core deposits | 81.3558% | 2,878 |
| Total domestic deposits to total assets | 89.9449% | 1,058 |
| Equity capital to assets | 9.2455% | 4,928 |
| Core capital (leverage) ratio | 8.7758% | 5,321 |
| Tier 1 risk-based capital ratio | 12.7480% | 5,328 |
| Total risk-based capital ratio | 14.0009% | 5,258 |
| Memoranda: | ||
| Average total assets | $436,130,330 | 1,527 |
| Average earning assets | $399,903,670 | 1,524 |
| Average equity | $40,267,670 | 1,747 |
| Average total loans | $310,934,000 | 1,365 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8669% | 1,164 |
| Cost of funding earning assets | 0.5642% | 3,438 |
| Net interest margin | 4.3026% | 964 |
| Noninterest income to average assets | 1.1126% | 1,201 |
| Noninterest expense to average assets | 3.2686% | 2,166 |
| Loan and lease loss provision to assets | 0.1476% | 2,402 |
| Net operating income to assets | 1.6403% | 658 |
| Return on assets (ROA) | 1.6403% | 720 |
| Pretax return on assets | 1.6431% | 1,206 |
| Return on Equity (ROE) | 17.7780% | 451 |
| Retained earnings to average equity (ytd only) | 17.4380% | 215 |
| Net charge-offs to loans | 0.3563% | 1,576 |
| Credit loss provision to net charge-offs | 57.9710% | 2,487 |
| Earnings coverage of net charge-offs (x) | 7.0326% | 2,128 |
| Efficiency ratio | 63.8220% | 5,034 |
| Assets per employee ($millions) | 3.1995% | 5,623 |
| Cash dividends to net income (ytd only)* | 1.9123% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5752% | 3,503 |
| Loan loss allowance to noncurrent loans | 180.0000% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.7060% | 4,611 |
| Noncurrent loans to loans | 0.8751% | 4,383 |
| Net loans and leases to total assets | 69.9189% | 1,675 |
| Net loans and leases to deposits | 77.7873% | 2,366 |
| Net loans and leases to core deposits | 82.0512% | 2,563 |
| Total domestic deposits to total assets | 89.8847% | 1,118 |
| Equity capital to assets | 9.3930% | 5,009 |
| Core capital (leverage) ratio | 8.8362% | 5,136 |
| Tier 1 risk-based capital ratio | 13.0848% | 5,156 |
| Total risk-based capital ratio | 14.3402% | 5,102 |
| Memoranda: | ||
| Average total assets | $433,580,500 | 1,552 |
| Average earning assets | $397,710,000 | 1,537 |
| Average equity | $40,004,500 | 1,775 |
| Average total loans | $309,821,500 | 1,374 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2096% | 1,099 |
| Cost of funding earning assets | 0.7340% | 3,216 |
| Net interest margin | 4.4755% | 988 |
| Noninterest income to average assets | 1.1400% | 1,202 |
| Noninterest expense to average assets | 3.3166% | 2,285 |
| Loan and lease loss provision to assets | 0.2888% | 2,356 |
| Net operating income to assets | 1.6193% | 731 |
| Return on assets (ROA) | 1.6176% | 810 |
| Pretax return on assets | 1.6209% | 1,329 |
| Return on Equity (ROE) | 18.1359% | 437 |
| Retained earnings to average equity (ytd only) | 8.0293% | 1,114 |
| Net charge-offs to loans | 0.1909% | 3,848 |
| Credit loss provision to net charge-offs | 209.4017% | 1,218 |
| Earnings coverage of net charge-offs (x) | 13.8598% | 1,784 |
| Efficiency ratio | 62.6685% | 5,140 |
| Assets per employee ($millions) | 3.0859% | 5,865 |
| Cash dividends to net income (ytd only)* | 55.7272% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6053% | 3,286 |
| Loan loss allowance to noncurrent loans | 129.3126% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.9664% | 4,094 |
| Noncurrent loans to loans | 1.2414% | 3,768 |
| Net loans and leases to total assets | 70.7244% | 1,699 |
| Net loans and leases to deposits | 78.5023% | 2,464 |
| Net loans and leases to core deposits | 83.1496% | 2,654 |
| Total domestic deposits to total assets | 90.0921% | 903 |
| Equity capital to assets | 9.0589% | 5,454 |
| Core capital (leverage) ratio | 8.4347% | 5,713 |
| Tier 1 risk-based capital ratio | 12.5358% | 5,444 |
| Total risk-based capital ratio | 13.7917% | 5,397 |
| Memoranda: | ||
| Average total assets | $424,198,200 | 1,548 |
| Average earning assets | $387,461,200 | 1,551 |
| Average equity | $37,836,600 | 1,834 |
| Average total loans | $306,418,200 | 1,369 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2374% | 1,122 |
| Cost of funding earning assets | 0.7685% | 3,206 |
| Net interest margin | 4.4690% | 1,049 |
| Noninterest income to average assets | 1.0948% | 1,255 |
| Noninterest expense to average assets | 3.3187% | 2,220 |
| Loan and lease loss provision to assets | 0.3316% | 1,976 |
| Net operating income to assets | 1.5195% | 985 |
| Return on assets (ROA) | 1.5195% | 1,095 |
| Pretax return on assets | 1.5229% | 1,798 |
| Return on Equity (ROE) | 17.1037% | 596 |
| Retained earnings to average equity (ytd only) | 8.6194% | 1,366 |
| Net charge-offs to loans | 0.2764% | 3,069 |
| Credit loss provision to net charge-offs | 165.8768% | 1,682 |
| Earnings coverage of net charge-offs (x) | 9.2780% | 2,342 |
| Efficiency ratio | 63.3706% | 4,908 |
| Assets per employee ($millions) | 3.0498% | 5,965 |
| Cash dividends to net income (ytd only)* | 49.6052% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5124% | 3,900 |
| Loan loss allowance to noncurrent loans | 258.2430% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.6122% | 5,141 |
| Noncurrent loans to loans | 0.5857% | 5,270 |
| Net loans and leases to total assets | 72.6277% | 1,447 |
| Net loans and leases to deposits | 80.6519% | 2,298 |
| Net loans and leases to core deposits | 85.1016% | 2,567 |
| Total domestic deposits to total assets | 90.0509% | 825 |
| Equity capital to assets | 9.0584% | 5,765 |
| Core capital (leverage) ratio | 8.4540% | 5,819 |
| Tier 1 risk-based capital ratio | 12.2695% | 5,794 |
| Total risk-based capital ratio | 13.5243% | 5,761 |
| Memoranda: | ||
| Average total assets | $422,240,750 | 1,574 |
| Average earning assets | $385,344,250 | 1,571 |
| Average equity | $37,511,500 | 1,874 |
| Average total loans | $305,389,250 | 1,385 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2468% | 1,148 |
| Cost of funding earning assets | 0.8044% | 3,154 |
| Net interest margin | 4.4424% | 1,100 |
| Noninterest income to average assets | 1.0697% | 1,251 |
| Noninterest expense to average assets | 3.3333% | 2,207 |
| Loan and lease loss provision to assets | 0.3566% | 1,852 |
| Net operating income to assets | 1.4277% | 1,135 |
| Return on assets (ROA) | 1.4277% | 1,269 |
| Pretax return on assets | 1.4311% | 2,085 |
| Return on Equity (ROE) | 16.1786% | 744 |
| Retained earnings to average equity (ytd only) | 7.5479% | 1,842 |
| Net charge-offs to loans | 0.2429% | 3,117 |
| Credit loss provision to net charge-offs | 204.3597% | 1,397 |
| Earnings coverage of net charge-offs (x) | 10.2452% | 2,077 |
| Efficiency ratio | 64.3023% | 4,842 |
| Assets per employee ($millions) | 3.0302% | 6,007 |
| Cash dividends to net income (ytd only)* | 53.3467% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5236% | 3,903 |
| Loan loss allowance to noncurrent loans | 252.5641% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.5453% | 5,395 |
| Noncurrent loans to loans | 0.6032% | 5,308 |
| Net loans and leases to total assets | 72.5537% | 1,465 |
| Net loans and leases to deposits | 80.3798% | 2,333 |
| Net loans and leases to core deposits | 85.1501% | 2,537 |
| Total domestic deposits to total assets | 90.2635% | 782 |
| Equity capital to assets | 8.9406% | 5,764 |
| Core capital (leverage) ratio | 8.2508% | 5,989 |
| Tier 1 risk-based capital ratio | 12.0635% | 5,885 |
| Total risk-based capital ratio | 13.3186% | 5,863 |
| Memoranda: | ||
| Average total assets | $420,663,670 | 1,578 |
| Average earning assets | $383,624,330 | 1,575 |
| Average equity | $37,123,000 | 1,875 |
| Average total loans | $302,231,670 | 1,403 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2560% | 1,196 |
| Cost of funding earning assets | 0.8408% | 3,141 |
| Net interest margin | 4.4152% | 1,191 |
| Noninterest income to average assets | 1.0400% | 1,336 |
| Noninterest expense to average assets | 3.3578% | 2,120 |
| Loan and lease loss provision to assets | 0.3140% | 1,997 |
| Net operating income to assets | 1.3816% | 1,254 |
| Return on assets (ROA) | 1.3816% | 1,402 |
| Pretax return on assets | 1.3854% | 2,232 |
| Return on Equity (ROE) | 15.7588% | 840 |
| Retained earnings to average equity (ytd only) | 15.3790% | 417 |
| Net charge-offs to loans | 0.1221% | 3,377 |
| Credit loss provision to net charge-offs | 362.6374% | 856 |
| Earnings coverage of net charge-offs (x) | 19.6264% | 1,221 |
| Efficiency ratio | 65.5880% | 4,636 |
| Assets per employee ($millions) | 3.0645% | 6,031 |
| Cash dividends to net income (ytd only)* | 2.4105% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5144% | 4,085 |
| Loan loss allowance to noncurrent loans | 294.9807% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.5923% | 5,413 |
| Noncurrent loans to loans | 0.5134% | 5,641 |
| Net loans and leases to total assets | 70.4916% | 1,671 |
| Net loans and leases to deposits | 77.9995% | 2,509 |
| Net loans and leases to core deposits | 82.5085% | 2,760 |
| Total domestic deposits to total assets | 90.3745% | 884 |
| Equity capital to assets | 8.9161% | 5,617 |
| Core capital (leverage) ratio | 8.3091% | 5,862 |
| Tier 1 risk-based capital ratio | 12.2628% | 5,784 |
| Total risk-based capital ratio | 13.5178% | 5,748 |
| Memoranda: | ||
| Average total assets | $420,395,500 | 1,584 |
| Average earning assets | $382,499,000 | 1,586 |
| Average equity | $36,855,500 | 1,890 |
| Average total loans | $298,185,500 | 1,426 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6833% | 810 |
| Cost of funding earning assets | 1.0226% | 3,218 |
| Net interest margin | 4.6607% | 814 |
| Noninterest income to average assets | 1.1240% | 1,044 |
| Noninterest expense to average assets | 3.5555% | 1,847 |
| Loan and lease loss provision to assets | 0.6061% | 1,707 |
| Net operating income to assets | 1.1864% | 1,541 |
| Return on assets (ROA) | 1.2142% | 1,581 |
| Pretax return on assets | 1.2177% | 2,396 |
| Return on Equity (ROE) | 14.1045% | 902 |
| Retained earnings to average equity (ytd only) | -4.7187% | 6,425 |
| Net charge-offs to loans | 0.8358% | 2,075 |
| Credit loss provision to net charge-offs | 100.7787% | 3,461 |
| Earnings coverage of net charge-offs (x) | 2.9861% | 3,715 |
| Efficiency ratio | 65.8452% | 4,802 |
| Assets per employee ($millions) | 3.0502% | 5,991 |
| Cash dividends to net income (ytd only)* | 133.4551% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4795% | 4,112 |
| Loan loss allowance to noncurrent loans | 416.5868% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.5406% | 5,618 |
| Noncurrent loans to loans | 0.3552% | 6,011 |
| Net loans and leases to total assets | 69.2364% | 2,172 |
| Net loans and leases to deposits | 76.4316% | 3,108 |
| Net loans and leases to core deposits | 80.7703% | 3,351 |
| Total domestic deposits to total assets | 90.5861% | 670 |
| Equity capital to assets | 8.6158% | 5,997 |
| Core capital (leverage) ratio | 7.8959% | 6,364 |
| Tier 1 risk-based capital ratio | 11.9640% | 5,863 |
| Total risk-based capital ratio | 13.2183% | 5,832 |
| Memoranda: | ||
| Average total assets | $405,685,400 | 1,600 |
| Average earning assets | $367,971,400 | 1,607 |
| Average equity | $34,925,000 | 1,926 |
| Average total loans | $291,945,200 | 1,459 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7555% | 768 |
| Cost of funding earning assets | 1.0548% | 3,285 |
| Net interest margin | 4.7007% | 763 |
| Noninterest income to average assets | 1.1660% | 967 |
| Noninterest expense to average assets | 3.6730% | 1,558 |
| Loan and lease loss provision to assets | 0.9494% | 929 |
| Net operating income to assets | 0.8020% | 3,149 |
| Return on assets (ROA) | 0.8418% | 3,127 |
| Pretax return on assets | 0.8451% | 3,965 |
| Return on Equity (ROE) | 9.7799% | 2,286 |
| Retained earnings to average equity (ytd only) | -11.6920% | 6,908 |
| Net charge-offs to loans | 0.6920% | 2,184 |
| Credit loss provision to net charge-offs | 189.4911% | 1,537 |
| Earnings coverage of net charge-offs (x) | 3.5023% | 3,415 |
| Efficiency ratio | 67.1466% | 4,493 |
| Assets per employee ($millions) | 2.9939% | 6,128 |
| Cash dividends to net income (ytd only)* | 219.5515% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9404% | 2,501 |
| Loan loss allowance to noncurrent loans | 169.0476% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 1.0777% | 4,608 |
| Noncurrent loans to loans | 1.1478% | 4,622 |
| Net loans and leases to total assets | 68.4828% | 2,378 |
| Net loans and leases to deposits | 75.3665% | 3,439 |
| Net loans and leases to core deposits | 79.5034% | 3,709 |
| Total domestic deposits to total assets | 90.8664% | 487 |
| Equity capital to assets | 8.3150% | 6,470 |
| Core capital (leverage) ratio | 7.6891% | 6,649 |
| Tier 1 risk-based capital ratio | 11.5487% | 6,216 |
| Total risk-based capital ratio | 12.8089% | 6,193 |
| Memoranda: | ||
| Average total assets | $402,635,750 | 1,618 |
| Average earning assets | $365,042,000 | 1,628 |
| Average equity | $34,655,250 | 1,942 |
| Average total loans | $291,513,250 | 1,474 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8816% | 605 |
| Cost of funding earning assets | 1.0943% | 3,289 |
| Net interest margin | 4.7873% | 613 |
| Noninterest income to average assets | 1.2313% | 835 |
| Noninterest expense to average assets | 3.8592% | 1,265 |
| Loan and lease loss provision to assets | 0.7464% | 1,250 |
| Net operating income to assets | 0.9604% | 2,391 |
| Return on assets (ROA) | 1.0208% | 2,231 |
| Pretax return on assets | 1.0243% | 3,142 |
| Return on Equity (ROE) | 11.7203% | 1,577 |
| Retained earnings to average equity (ytd only) | -15.0045% | 7,039 |
| Net charge-offs to loans | 0.9790% | 1,607 |
| Credit loss provision to net charge-offs | 104.0000% | 2,970 |
| Earnings coverage of net charge-offs (x) | 2.3832% | 3,628 |
| Efficiency ratio | 68.9032% | 4,340 |
| Assets per employee ($millions) | 3.0025% | 6,084 |
| Cash dividends to net income (ytd only)* | 228.0217% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4976% | 4,147 |
| Loan loss allowance to noncurrent loans | 554.1087% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.4887% | 5,946 |
| Noncurrent loans to loans | 0.2703% | 6,384 |
| Net loans and leases to total assets | 69.5781% | 2,303 |
| Net loans and leases to deposits | 76.6947% | 3,343 |
| Net loans and leases to core deposits | 80.6857% | 3,693 |
| Total domestic deposits to total assets | 90.7208% | 626 |
| Equity capital to assets | 8.5240% | 6,156 |
| Core capital (leverage) ratio | 7.8663% | 6,443 |
| Tier 1 risk-based capital ratio | 11.5879% | 6,100 |
| Total risk-based capital ratio | 12.8422% | 6,088 |
| Memoranda: | ||
| Average total assets | $397,132,330 | 1,653 |
| Average earning assets | $359,868,670 | 1,662 |
| Average equity | $34,589,670 | 1,927 |
| Average total loans | $291,110,000 | 1,495 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8618% | 654 |
| Cost of funding earning assets | 1.1398% | 3,229 |
| Net interest margin | 4.7220% | 673 |
| Noninterest income to average assets | 1.2015% | 885 |
| Noninterest expense to average assets | 4.0759% | 947 |
| Loan and lease loss provision to assets | 1.6050% | 381 |
| Net operating income to assets | -0.1833% | 6,542 |
| Return on assets (ROA) | -0.1833% | 6,562 |
| Pretax return on assets | -0.1802% | 6,526 |
| Return on Equity (ROE) | -2.0804% | 6,592 |
| Retained earnings to average equity (ytd only) | -42.7991% | 7,367 |
| Net charge-offs to loans | 1.6423% | 814 |
| Credit loss provision to net charge-offs | 130.7886% | 2,115 |
| Earnings coverage of net charge-offs (x) | 1.1611% | 3,787 |
| Efficiency ratio | 74.0969% | 3,495 |
| Assets per employee ($millions) | 3.0542% | 6,043 |
| Cash dividends to net income (ytd only)* | -1,957.3034% | 7,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6076% | 3,695 |
| Loan loss allowance to noncurrent loans | 223.9027% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 1.0100% | 4,883 |
| Noncurrent loans to loans | 0.7180% | 5,576 |
| Net loans and leases to total assets | 71.2449% | 1,873 |
| Net loans and leases to deposits | 78.4097% | 2,993 |
| Net loans and leases to core deposits | 82.4557% | 3,390 |
| Total domestic deposits to total assets | 90.8623% | 695 |
| Equity capital to assets | 8.4595% | 5,966 |
| Core capital (leverage) ratio | 8.0149% | 6,236 |
| Tier 1 risk-based capital ratio | 11.0884% | 6,444 |
| Total risk-based capital ratio | 12.3440% | 6,420 |
| Memoranda: | ||
| Average total assets | $388,525,500 | 1,697 |
| Average earning assets | $353,745,500 | 1,700 |
| Average equity | $34,225,000 | 1,935 |
| Average total loans | $290,326,500 | 1,515 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3176% | 447 |
| Cost of funding earning assets | 1.4363% | 3,039 |
| Net interest margin | 4.8813% | 566 |
| Noninterest income to average assets | 1.1153% | 1,188 |
| Noninterest expense to average assets | 3.4666% | 2,259 |
| Loan and lease loss provision to assets | 0.4611% | 3,362 |
| Net operating income to assets | 1.6336% | 589 |
| Return on assets (ROA) | 1.6336% | 634 |
| Pretax return on assets | 1.6352% | 1,061 |
| Return on Equity (ROE) | 17.8245% | 390 |
| Retained earnings to average equity (ytd only) | 7.7752% | 1,048 |
| Net charge-offs to loans | 0.4146% | 3,966 |
| Credit loss provision to net charge-offs | 144.4444% | 2,572 |
| Earnings coverage of net charge-offs (x) | 6.5675% | 2,328 |
| Efficiency ratio | 61.9342% | 5,743 |
| Assets per employee ($millions) | 3.0647% | 5,961 |
| Cash dividends to net income (ytd only)* | 56.3794% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4723% | 4,170 |
| Loan loss allowance to noncurrent loans | 126.3299% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 1.2782% | 4,476 |
| Noncurrent loans to loans | 1.1654% | 4,773 |
| Net loans and leases to total assets | 76.0858% | 1,255 |
| Net loans and leases to deposits | 85.8448% | 2,133 |
| Net loans and leases to core deposits | 90.6513% | 2,671 |
| Total domestic deposits to total assets | 88.6318% | 1,872 |
| Equity capital to assets | 9.1857% | 4,860 |
| Core capital (leverage) ratio | 8.5244% | 5,313 |
| Tier 1 risk-based capital ratio | 12.0195% | 5,452 |
| Total risk-based capital ratio | 13.2737% | 5,433 |
| Memoranda: | ||
| Average total assets | $366,553,400 | 1,790 |
| Average earning assets | $333,988,400 | 1,786 |
| Average equity | $33,594,200 | 1,966 |
| Average total loans | $282,191,400 | 1,584 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3524% | 457 |
| Cost of funding earning assets | 1.4753% | 3,120 |
| Net interest margin | 4.8771% | 578 |
| Noninterest income to average assets | 1.1205% | 1,116 |
| Noninterest expense to average assets | 3.4481% | 2,164 |
| Loan and lease loss provision to assets | 0.5081% | 2,916 |
| Net operating income to assets | 1.5964% | 753 |
| Return on assets (ROA) | 1.5964% | 823 |
| Pretax return on assets | 1.5983% | 1,348 |
| Return on Equity (ROE) | 17.4293% | 541 |
| Retained earnings to average equity (ytd only) | 8.6727% | 1,172 |
| Net charge-offs to loans | 0.4149% | 3,632 |
| Credit loss provision to net charge-offs | 159.2211% | 2,385 |
| Earnings coverage of net charge-offs (x) | 6.6002% | 2,490 |
| Efficiency ratio | 61.5638% | 5,691 |
| Assets per employee ($millions) | 2.9736% | 6,211 |
| Cash dividends to net income (ytd only)* | 50.2404% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4823% | 4,044 |
| Loan loss allowance to noncurrent loans | 126.5416% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 1.3232% | 4,503 |
| Noncurrent loans to loans | 1.1714% | 4,906 |
| Net loans and leases to total assets | 76.5705% | 1,298 |
| Net loans and leases to deposits | 86.5309% | 2,233 |
| Net loans and leases to core deposits | 91.3797% | 2,893 |
| Total domestic deposits to total assets | 88.4892% | 1,677 |
| Equity capital to assets | 9.2644% | 5,200 |
| Core capital (leverage) ratio | 8.7019% | 5,184 |
| Tier 1 risk-based capital ratio | 11.8240% | 5,618 |
| Total risk-based capital ratio | 13.0783% | 5,594 |
| Memoranda: | ||
| Average total assets | $364,718,000 | 1,817 |
| Average earning assets | $331,581,500 | 1,829 |
| Average equity | $33,406,500 | 1,994 |
| Average total loans | $280,556,250 | 1,615 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3478% | 467 |
| Cost of funding earning assets | 1.5116% | 3,191 |
| Net interest margin | 4.8361% | 618 |
| Noninterest income to average assets | 1.1321% | 1,021 |
| Noninterest expense to average assets | 3.4630% | 2,116 |
| Loan and lease loss provision to assets | 0.3302% | 3,755 |
| Net operating income to assets | 1.7464% | 530 |
| Return on assets (ROA) | 1.7464% | 583 |
| Pretax return on assets | 1.7480% | 963 |
| Return on Equity (ROE) | 19.1402% | 378 |
| Retained earnings to average equity (ytd only) | 11.1234% | 630 |
| Net charge-offs to loans | 0.1558% | 4,699 |
| Credit loss provision to net charge-offs | 276.4977% | 1,348 |
| Earnings coverage of net charge-offs (x) | 17.4009% | 1,347 |
| Efficiency ratio | 61.7203% | 5,736 |
| Assets per employee ($millions) | 2.9749% | 6,186 |
| Cash dividends to net income (ytd only)* | 41.8847% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4581% | 4,136 |
| Loan loss allowance to noncurrent loans | 116.7755% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 1.1795% | 4,778 |
| Noncurrent loans to loans | 1.2487% | 4,879 |
| Net loans and leases to total assets | 75.9836% | 1,495 |
| Net loans and leases to deposits | 87.1444% | 2,314 |
| Net loans and leases to core deposits | 91.7966% | 3,014 |
| Total domestic deposits to total assets | 87.1927% | 2,436 |
| Equity capital to assets | 9.2471% | 5,082 |
| Core capital (leverage) ratio | 8.6471% | 5,161 |
| Tier 1 risk-based capital ratio | 12.2157% | 5,114 |
| Total risk-based capital ratio | 13.4701% | 5,079 |
| Memoranda: | ||
| Average total assets | $363,383,000 | 1,839 |
| Average earning assets | $331,297,330 | 1,839 |
| Average equity | $33,155,330 | 2,007 |
| Average total loans | $278,548,000 | 1,644 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4153% | 419 |
| Cost of funding earning assets | 1.5578% | 3,217 |
| Net interest margin | 4.8575% | 573 |
| Noninterest income to average assets | 1.1013% | 1,040 |
| Noninterest expense to average assets | 3.4983% | 1,986 |
| Loan and lease loss provision to assets | 0.3314% | 3,409 |
| Net operating income to assets | 1.7022% | 614 |
| Return on assets (ROA) | 1.7022% | 667 |
| Pretax return on assets | 1.7044% | 1,051 |
| Return on Equity (ROE) | 18.7841% | 451 |
| Retained earnings to average equity (ytd only) | 15.9317% | 348 |
| Net charge-offs to loans | 0.2341% | 3,530 |
| Credit loss provision to net charge-offs | 185.1852% | 1,979 |
| Earnings coverage of net charge-offs (x) | 11.3765% | 1,648 |
| Efficiency ratio | 61.8164% | 5,868 |
| Assets per employee ($millions) | 2.9595% | 6,307 |
| Cash dividends to net income (ytd only)* | 15.1849% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3867% | 4,483 |
| Loan loss allowance to noncurrent loans | 190.8732% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.7907% | 5,570 |
| Noncurrent loans to loans | 0.7265% | 5,868 |
| Net loans and leases to total assets | 76.2035% | 1,499 |
| Net loans and leases to deposits | 87.3400% | 2,347 |
| Net loans and leases to core deposits | 91.9561% | 3,110 |
| Total domestic deposits to total assets | 87.2492% | 2,502 |
| Equity capital to assets | 9.2472% | 4,921 |
| Core capital (leverage) ratio | 8.5951% | 5,211 |
| Tier 1 risk-based capital ratio | 11.8443% | 5,352 |
| Total risk-based capital ratio | 13.0971% | 5,297 |
| Memoranda: | ||
| Average total assets | $362,120,500 | 1,892 |
| Average earning assets | $330,461,000 | 1,897 |
| Average equity | $32,815,000 | 2,051 |
| Average total loans | $276,750,000 | 1,700 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6499% | 514 |
| Cost of funding earning assets | 1.8562% | 3,702 |
| Net interest margin | 4.7937% | 705 |
| Noninterest income to average assets | 1.2636% | 948 |
| Noninterest expense to average assets | 3.5241% | 2,321 |
| Loan and lease loss provision to assets | 0.4676% | 4,025 |
| Net operating income to assets | 1.6228% | 520 |
| Return on assets (ROA) | 1.6228% | 555 |
| Pretax return on assets | 1.6251% | 910 |
| Return on Equity (ROE) | 18.1409% | 357 |
| Retained earnings to average equity (ytd only) | 7.6576% | 788 |
| Net charge-offs to loans | 0.3864% | 4,273 |
| Credit loss provision to net charge-offs | 161.1603% | 2,758 |
| Earnings coverage of net charge-offs (x) | 7.2124% | 2,196 |
| Efficiency ratio | 61.3197% | 6,274 |
| Assets per employee ($millions) | 2.9054% | 6,447 |
| Cash dividends to net income (ytd only)* | 57.7883% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3592% | 4,435 |
| Loan loss allowance to noncurrent loans | 145.0622% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.8863% | 5,330 |
| Noncurrent loans to loans | 0.9370% | 5,439 |
| Net loans and leases to total assets | 74.5523% | 2,134 |
| Net loans and leases to deposits | 86.5385% | 2,816 |
| Net loans and leases to core deposits | 115.6467% | 2,358 |
| Total domestic deposits to total assets | 86.1493% | 2,934 |
| Equity capital to assets | 8.8777% | 5,313 |
| Core capital (leverage) ratio | 8.1386% | 5,932 |
| Tier 1 risk-based capital ratio | 11.3162% | 5,602 |
| Total risk-based capital ratio | 12.5687% | 5,537 |
| Memoranda: | ||
| Average total assets | $350,499,200 | 1,941 |
| Average earning assets | $318,291,200 | 1,961 |
| Average equity | $31,354,600 | 2,135 |
| Average total loans | $263,192,600 | 1,810 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7239% | 488 |
| Cost of funding earning assets | 1.9072% | 3,845 |
| Net interest margin | 4.8166% | 664 |
| Noninterest income to average assets | 1.3021% | 918 |
| Noninterest expense to average assets | 3.5462% | 2,156 |
| Loan and lease loss provision to assets | 0.4760% | 3,530 |
| Net operating income to assets | 1.6411% | 618 |
| Return on assets (ROA) | 1.6411% | 664 |
| Pretax return on assets | 1.6434% | 1,087 |
| Return on Equity (ROE) | 18.3082% | 426 |
| Retained earnings to average equity (ytd only) | 9.1049% | 818 |
| Net charge-offs to loans | 0.3431% | 3,921 |
| Credit loss provision to net charge-offs | 185.0746% | 2,461 |
| Earnings coverage of net charge-offs (x) | 8.2403% | 2,282 |
| Efficiency ratio | 61.1695% | 6,244 |
| Assets per employee ($millions) | 2.9278% | 6,335 |
| Cash dividends to net income (ytd only)* | 50.2690% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3800% | 4,059 |
| Loan loss allowance to noncurrent loans | 143.0961% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.8010% | 5,508 |
| Noncurrent loans to loans | 0.9644% | 5,368 |
| Net loans and leases to total assets | 73.6061% | 2,643 |
| Net loans and leases to deposits | 85.7349% | 3,372 |
| Net loans and leases to core deposits | 113.7907% | 2,850 |
| Total domestic deposits to total assets | 85.8531% | 2,776 |
| Equity capital to assets | 9.0312% | 5,442 |
| Core capital (leverage) ratio | 8.3545% | 5,741 |
| Tier 1 risk-based capital ratio | 11.3974% | 5,540 |
| Total risk-based capital ratio | 12.6497% | 5,480 |
| Memoranda: | ||
| Average total assets | $347,329,000 | 1,974 |
| Average earning assets | $314,651,000 | 2,002 |
| Average equity | $31,132,750 | 2,179 |
| Average total loans | $260,368,250 | 1,852 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7166% | 527 |
| Cost of funding earning assets | 1.9410% | 4,058 |
| Net interest margin | 4.7756% | 689 |
| Noninterest income to average assets | 1.3533% | 833 |
| Noninterest expense to average assets | 3.5775% | 2,131 |
| Loan and lease loss provision to assets | 0.5755% | 2,712 |
| Net operating income to assets | 1.5504% | 754 |
| Return on assets (ROA) | 1.5504% | 813 |
| Pretax return on assets | 1.5527% | 1,319 |
| Return on Equity (ROE) | 17.3422% | 546 |
| Retained earnings to average equity (ytd only) | 6.9447% | 1,601 |
| Net charge-offs to loans | 0.4259% | 3,098 |
| Credit loss provision to net charge-offs | 180.0000% | 2,538 |
| Earnings coverage of net charge-offs (x) | 6.6564% | 2,580 |
| Efficiency ratio | 61.2736% | 6,355 |
| Assets per employee ($millions) | 2.8403% | 6,538 |
| Cash dividends to net income (ytd only)* | 59.9550% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3378% | 4,052 |
| Loan loss allowance to noncurrent loans | 114.0424% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.9578% | 5,064 |
| Noncurrent loans to loans | 1.1731% | 4,872 |
| Net loans and leases to total assets | 75.5342% | 2,306 |
| Net loans and leases to deposits | 89.2372% | 2,948 |
| Net loans and leases to core deposits | 117.6900% | 2,572 |
| Total domestic deposits to total assets | 84.6443% | 3,427 |
| Equity capital to assets | 8.9721% | 5,352 |
| Core capital (leverage) ratio | 8.0983% | 6,170 |
| Tier 1 risk-based capital ratio | 11.0560% | 5,823 |
| Total risk-based capital ratio | 12.3078% | 5,738 |
| Memoranda: | ||
| Average total assets | $344,040,000 | 2,010 |
| Average earning assets | $313,550,670 | 2,032 |
| Average equity | $30,757,330 | 2,211 |
| Average total loans | $258,292,000 | 1,898 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6971% | 581 |
| Cost of funding earning assets | 1.9804% | 4,236 |
| Net interest margin | 4.7167% | 743 |
| Noninterest income to average assets | 1.2217% | 964 |
| Noninterest expense to average assets | 3.4177% | 2,305 |
| Loan and lease loss provision to assets | 0.3979% | 2,940 |
| Net operating income to assets | 1.7001% | 644 |
| Return on assets (ROA) | 1.7001% | 710 |
| Pretax return on assets | 1.7024% | 1,172 |
| Return on Equity (ROE) | 19.0514% | 500 |
| Retained earnings to average equity (ytd only) | 15.4425% | 374 |
| Net charge-offs to loans | 0.4270% | 2,392 |
| Credit loss provision to net charge-offs | 125.3676% | 3,168 |
| Earnings coverage of net charge-offs (x) | 6.6176% | 2,467 |
| Efficiency ratio | 60.4568% | 6,328 |
| Assets per employee ($millions) | 2.9188% | 6,375 |
| Cash dividends to net income (ytd only)* | 18.9430% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 4,545 |
| Loan loss allowance to noncurrent loans | 98.7263% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 1.2511% | 4,175 |
| Noncurrent loans to loans | 1.2524% | 4,466 |
| Net loans and leases to total assets | 73.7051% | 2,827 |
| Net loans and leases to deposits | 87.0566% | 3,462 |
| Net loans and leases to core deposits | 112.9181% | 3,115 |
| Total domestic deposits to total assets | 84.6634% | 3,383 |
| Equity capital to assets | 9.0885% | 5,242 |
| Core capital (leverage) ratio | 8.1830% | 6,139 |
| Tier 1 risk-based capital ratio | 11.4473% | 5,463 |
| Total risk-based capital ratio | 12.6980% | 5,358 |
| Memoranda: | ||
| Average total assets | $342,801,500 | 2,027 |
| Average earning assets | $312,254,500 | 2,048 |
| Average equity | $30,591,000 | 2,219 |
| Average total loans | $254,794,000 | 1,936 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1455% | 821 |
| Cost of funding earning assets | 2.5500% | 3,956 |
| Net interest margin | 4.5954% | 1,191 |
| Noninterest income to average assets | 1.2513% | 942 |
| Noninterest expense to average assets | 3.2916% | 2,989 |
| Loan and lease loss provision to assets | 0.6080% | 2,389 |
| Net operating income to assets | 1.5307% | 960 |
| Return on assets (ROA) | 1.5307% | 930 |
| Pretax return on assets | 1.5352% | 1,578 |
| Return on Equity (ROE) | 18.0987% | 513 |
| Retained earnings to average equity (ytd only) | 7.1329% | 1,110 |
| Net charge-offs to loans | 0.5694% | 2,107 |
| Credit loss provision to net charge-offs | 146.0114% | 3,615 |
| Earnings coverage of net charge-offs (x) | 5.1467% | 3,738 |
| Efficiency ratio | 59.0373% | 6,522 |
| Assets per employee ($millions) | 2.8913% | 6,333 |
| Cash dividends to net income (ytd only)* | 60.5890% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2310% | 4,302 |
| Loan loss allowance to noncurrent loans | 122.3053% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.9995% | 4,333 |
| Noncurrent loans to loans | 1.0065% | 4,577 |
| Net loans and leases to total assets | 73.1121% | 3,333 |
| Net loans and leases to deposits | 86.1732% | 4,096 |
| Net loans and leases to core deposits | 110.3769% | 3,736 |
| Total domestic deposits to total assets | 84.8431% | 2,917 |
| Equity capital to assets | 8.7576% | 5,718 |
| Core capital (leverage) ratio | 7.8417% | 6,737 |
| Tier 1 risk-based capital ratio | 11.0488% | 5,683 |
| Total risk-based capital ratio | 12.2994% | 5,569 |
| Memoranda: | ||
| Average total assets | $337,159,400 | 1,978 |
| Average earning assets | $306,935,400 | 1,990 |
| Average equity | $28,515,800 | 2,369 |
| Average total loans | $246,557,200 | 1,928 |