Home > The First National Bank and Trust > Performance and Condition Ratios
The First National Bank and Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4726% | 3,136 |
| Cost of funding earning assets | 1.0261% | 3,238 |
| Net interest margin | 3.4464% | 2,311 |
| Noninterest income to average assets | 2.6100% | 209 |
| Noninterest expense to average assets | 3.6105% | 503 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 1.8461% | 572 |
| Return on assets (ROA) | 1.8461% | 555 |
| Pretax return on assets | 1.9731% | 700 |
| Return on Equity (ROE) | 32.5100% | 149 |
| Retained earnings to average equity (ytd only) | 22.5426% | 99 |
| Net charge-offs to loans | 0.0052% | 2,525 |
| Credit loss provision to net charge-offs | 5,857.1429% | 95 |
| Earnings coverage of net charge-offs (x) | 662.1429% | 219 |
| Efficiency ratio | 62.5182% | 2,777 |
| Assets per employee ($millions) | 4.2070% | 4,084 |
| Cash dividends to net income (ytd only)* | 30.6603% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6097% | 819 |
| Loan loss allowance to noncurrent loans | 131.9011% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.7919% | 647 |
| Noncurrent loans to loans | 1.2204% | 582 |
| Net loans and leases to total assets | 63.8400% | 2,478 |
| Net loans and leases to deposits | 70.5966% | 2,841 |
| Net loans and leases to core deposits | 82.6146% | 2,544 |
| Total domestic deposits to total assets | 90.4300% | 645 |
| Equity capital to assets | 6.7903% | 4,020 |
| Core capital (leverage) ratio | 12.2861% | 1,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $214,128,200 | 2,880 |
| Average earning assets | $196,463,600 | 2,900 |
| Average equity | $12,159,200 | 3,508 |
| Average total loans | $133,830,000 | 2,828 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3601% | 3,176 |
| Cost of funding earning assets | 0.8947% | 3,285 |
| Net interest margin | 3.4654% | 2,294 |
| Noninterest income to average assets | 3.2400% | 183 |
| Noninterest expense to average assets | 3.6700% | 458 |
| Loan and lease loss provision to assets | 0.2600% | 385 |
| Net operating income to assets | 2.3225% | 315 |
| Return on assets (ROA) | 2.3225% | 310 |
| Pretax return on assets | 2.4900% | 383 |
| Return on Equity (ROE) | 43.0100% | 104 |
| Retained earnings to average equity (ytd only) | 35.8685% | 56 |
| Net charge-offs to loans | 0.0050% | 2,286 |
| Credit loss provision to net charge-offs | 8,200.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 881.4000% | 183 |
| Efficiency ratio | 57.2053% | 3,292 |
| Assets per employee ($millions) | 4.3605% | 4,017 |
| Cash dividends to net income (ytd only)* | 16.6041% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6604% | 771 |
| Loan loss allowance to noncurrent loans | 132.1744% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 0.7784% | 712 |
| Noncurrent loans to loans | 1.2562% | 612 |
| Net loans and leases to total assets | 60.9300% | 2,756 |
| Net loans and leases to deposits | 66.3101% | 3,105 |
| Net loans and leases to core deposits | 76.5706% | 2,826 |
| Total domestic deposits to total assets | 91.8900% | 472 |
| Equity capital to assets | 5.2104% | 4,213 |
| Core capital (leverage) ratio | 12.2283% | 1,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $214,021,000 | 2,890 |
| Average earning assets | $196,414,000 | 2,903 |
| Average equity | $11,556,750 | 3,570 |
| Average total loans | $132,482,250 | 2,842 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2300% | 3,231 |
| Cost of funding earning assets | 0.7733% | 3,289 |
| Net interest margin | 3.4567% | 2,371 |
| Noninterest income to average assets | 4.2700% | 139 |
| Noninterest expense to average assets | 3.7868% | 407 |
| Loan and lease loss provision to assets | 0.3900% | 217 |
| Net operating income to assets | 3.0270% | 146 |
| Return on assets (ROA) | 3.0270% | 146 |
| Pretax return on assets | 3.2649% | 169 |
| Return on Equity (ROE) | 55.3900% | 56 |
| Retained earnings to average equity (ytd only) | 48.4756% | 35 |
| Net charge-offs to loans | 0.0091% | 1,864 |
| Credit loss provision to net charge-offs | 6,833.3333% | 87 |
| Earnings coverage of net charge-offs (x) | 647.0000% | 225 |
| Efficiency ratio | 50.9167% | 3,855 |
| Assets per employee ($millions) | 4.3333% | 4,041 |
| Cash dividends to net income (ytd only)* | 12.4884% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6710% | 796 |
| Loan loss allowance to noncurrent loans | 128.4078% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.8059% | 636 |
| Noncurrent loans to loans | 1.3013% | 545 |
| Net loans and leases to total assets | 60.8900% | 2,688 |
| Net loans and leases to deposits | 66.9235% | 2,998 |
| Net loans and leases to core deposits | 75.5185% | 2,790 |
| Total domestic deposits to total assets | 90.9900% | 652 |
| Equity capital to assets | 6.1796% | 4,105 |
| Core capital (leverage) ratio | 12.0452% | 1,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $212,686,333 | 2,914 |
| Average earning assets | $194,749,667 | 2,933 |
| Average equity | $11,622,333 | 3,575 |
| Average total loans | $131,613,000 | 2,849 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0878% | 3,271 |
| Cost of funding earning assets | 0.6129% | 3,341 |
| Net interest margin | 3.4750% | 2,436 |
| Noninterest income to average assets | 0.7600% | 945 |
| Noninterest expense to average assets | 2.9654% | 1,122 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9302% | 2,753 |
| Return on assets (ROA) | 0.9302% | 2,709 |
| Pretax return on assets | 0.9948% | 3,013 |
| Return on Equity (ROE) | 18.2500% | 996 |
| Retained earnings to average equity (ytd only) | 10.3175% | 1,625 |
| Net charge-offs to loans | 0.0123% | 1,492 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 131.0000% | 663 |
| Efficiency ratio | 74.8802% | 1,256 |
| Assets per employee ($millions) | 4.1728% | 4,181 |
| Cash dividends to net income (ytd only)* | 43.4694% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4016% | 1,616 |
| Loan loss allowance to noncurrent loans | 104.9800% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.8209% | 576 |
| Noncurrent loans to loans | 1.3351% | 496 |
| Net loans and leases to total assets | 60.6300% | 2,585 |
| Net loans and leases to deposits | 66.6438% | 2,880 |
| Net loans and leases to core deposits | 74.6107% | 2,633 |
| Total domestic deposits to total assets | 90.9700% | 813 |
| Equity capital to assets | 5.3239% | 4,367 |
| Core capital (leverage) ratio | 11.0457% | 1,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $210,697,500 | 2,967 |
| Average earning assets | $193,843,000 | 2,972 |
| Average equity | $10,739,000 | 3,697 |
| Average total loans | $130,332,000 | 2,888 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5698% | 2,884 |
| Cost of funding earning assets | 0.2769% | 3,074 |
| Net interest margin | 3.2929% | 2,581 |
| Noninterest income to average assets | 0.9400% | 721 |
| Noninterest expense to average assets | 3.2191% | 699 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7265% | 3,548 |
| Return on assets (ROA) | 0.7482% | 3,428 |
| Pretax return on assets | 0.7858% | 3,663 |
| Return on Equity (ROE) | 12.1100% | 2,099 |
| Retained earnings to average equity (ytd only) | 4.0759% | 3,371 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.8391% | 657 |
| Assets per employee ($millions) | 4.2568% | 4,170 |
| Cash dividends to net income (ytd only)* | 66.3486% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5284% | 1,122 |
| Loan loss allowance to noncurrent loans | 107.4174% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 0.8855% | 507 |
| Noncurrent loans to loans | 1.4228% | 467 |
| Net loans and leases to total assets | 61.2800% | 2,520 |
| Net loans and leases to deposits | 67.0687% | 2,808 |
| Net loans and leases to core deposits | 73.8112% | 2,580 |
| Total domestic deposits to total assets | 91.3700% | 819 |
| Equity capital to assets | 4.8652% | 4,392 |
| Core capital (leverage) ratio | 10.9650% | 1,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $210,092,200 | 2,975 |
| Average earning assets | $193,962,200 | 2,979 |
| Average equity | $12,978,600 | 3,574 |
| Average total loans | $121,116,800 | 2,906 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4199% | 2,864 |
| Cost of funding earning assets | 0.2028% | 3,232 |
| Net interest margin | 3.2171% | 2,575 |
| Noninterest income to average assets | 0.9800% | 698 |
| Noninterest expense to average assets | 3.1782% | 707 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7297% | 3,480 |
| Return on assets (ROA) | 0.7589% | 3,335 |
| Pretax return on assets | 0.8064% | 3,561 |
| Return on Equity (ROE) | 11.6700% | 2,147 |
| Retained earnings to average equity (ytd only) | 3.3122% | 3,694 |
| Net charge-offs to loans | -0.0045% | 3,454 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.3878% | 752 |
| Assets per employee ($millions) | 4.3334% | 4,163 |
| Cash dividends to net income (ytd only)* | 71.6194% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5356% | 1,205 |
| Loan loss allowance to noncurrent loans | 107.9219% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.8861% | 544 |
| Noncurrent loans to loans | 1.4228% | 500 |
| Net loans and leases to total assets | 61.3200% | 2,375 |
| Net loans and leases to deposits | 67.3457% | 2,599 |
| Net loans and leases to core deposits | 73.6366% | 2,376 |
| Total domestic deposits to total assets | 91.0500% | 1,219 |
| Equity capital to assets | 3.9163% | 4,482 |
| Core capital (leverage) ratio | 10.7912% | 1,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $210,469,500 | 3,000 |
| Average earning assets | $194,618,750 | 2,988 |
| Average equity | $13,686,250 | 3,547 |
| Average total loans | $118,943,250 | 2,938 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2683% | 2,843 |
| Cost of funding earning assets | 0.1868% | 3,089 |
| Net interest margin | 3.0814% | 2,593 |
| Noninterest income to average assets | 1.0043% | 656 |
| Noninterest expense to average assets | 3.0952% | 737 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7159% | 3,254 |
| Return on assets (ROA) | 0.7582% | 3,073 |
| Pretax return on assets | 0.8112% | 3,294 |
| Return on Equity (ROE) | 10.3135% | 2,224 |
| Retained earnings to average equity (ytd only) | 1.3391% | 3,915 |
| Net charge-offs to loans | -0.0156% | 3,779 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1667% | 933 |
| Assets per employee ($millions) | 4.2390% | 4,247 |
| Cash dividends to net income (ytd only)* | 87.0162% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6532% | 1,046 |
| Loan loss allowance to noncurrent loans | 103.8001% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 0.9249% | 536 |
| Noncurrent loans to loans | 1.5927% | 457 |
| Net loans and leases to total assets | 57.1078% | 2,628 |
| Net loans and leases to deposits | 61.4225% | 2,934 |
| Net loans and leases to core deposits | 66.0950% | 2,810 |
| Total domestic deposits to total assets | 92.9753% | 522 |
| Equity capital to assets | 4.8958% | 4,497 |
| Core capital (leverage) ratio | 10.7505% | 1,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,292,333 | 3,023 |
| Average earning assets | $195,884,000 | 3,022 |
| Average equity | $15,533,000 | 3,450 |
| Average total loans | $115,414,667 | 2,998 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1636% | 2,790 |
| Cost of funding earning assets | 0.1774% | 3,117 |
| Net interest margin | 2.9862% | 2,542 |
| Noninterest income to average assets | 0.8354% | 963 |
| Noninterest expense to average assets | 2.9040% | 946 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6652% | 3,175 |
| Return on assets (ROA) | 0.7490% | 2,851 |
| Pretax return on assets | 0.8016% | 3,107 |
| Return on Equity (ROE) | 8.7620% | 2,410 |
| Retained earnings to average equity (ytd only) | -2.9646% | 4,309 |
| Net charge-offs to loans | -0.0248% | 4,002 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3219% | 1,127 |
| Assets per employee ($millions) | 4.1595% | 4,323 |
| Cash dividends to net income (ytd only)* | 133.8346% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7423% | 978 |
| Loan loss allowance to noncurrent loans | 103.1056% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 0.9289% | 574 |
| Noncurrent loans to loans | 1.6898% | 461 |
| Net loans and leases to total assets | 54.0165% | 2,758 |
| Net loans and leases to deposits | 58.4439% | 3,039 |
| Net loans and leases to core deposits | 62.2776% | 2,950 |
| Total domestic deposits to total assets | 92.4246% | 425 |
| Equity capital to assets | 7.4475% | 3,967 |
| Core capital (leverage) ratio | 10.3058% | 2,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,084,000 | 3,018 |
| Average earning assets | $198,378,500 | 3,016 |
| Average equity | $18,215,000 | 3,307 |
| Average total loans | $112,816,000 | 3,025 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3483% | 3,056 |
| Cost of funding earning assets | 0.2261% | 3,184 |
| Net interest margin | 3.1222% | 2,837 |
| Noninterest income to average assets | 2.0633% | 303 |
| Noninterest expense to average assets | 3.3346% | 593 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5288% | 960 |
| Return on assets (ROA) | 1.7409% | 602 |
| Pretax return on assets | 1.8451% | 825 |
| Return on Equity (ROE) | 16.8947% | 606 |
| Retained earnings to average equity (ytd only) | 12.4578% | 476 |
| Net charge-offs to loans | 0.0158% | 1,995 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 182.2222% | 574 |
| Efficiency ratio | 67.3111% | 2,079 |
| Assets per employee ($millions) | 4.2783% | 4,283 |
| Cash dividends to net income (ytd only)* | 26.2621% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7835% | 895 |
| Loan loss allowance to noncurrent loans | 99.1508% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 0.9175% | 633 |
| Noncurrent loans to loans | 1.7988% | 468 |
| Net loans and leases to total assets | 50.0997% | 3,259 |
| Net loans and leases to deposits | 55.5291% | 3,464 |
| Net loans and leases to core deposits | 59.0737% | 3,387 |
| Total domestic deposits to total assets | 90.2223% | 858 |
| Equity capital to assets | 9.5976% | 3,046 |
| Core capital (leverage) ratio | 10.2075% | 2,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,540,200 | 3,046 |
| Average earning assets | $187,528,200 | 3,048 |
| Average equity | $20,870,400 | 3,138 |
| Average total loans | $113,955,400 | 3,009 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4144% | 3,060 |
| Cost of funding earning assets | 0.2399% | 3,211 |
| Net interest margin | 3.1744% | 2,815 |
| Noninterest income to average assets | 2.4951% | 245 |
| Noninterest expense to average assets | 3.2824% | 612 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.0072% | 457 |
| Return on assets (ROA) | 2.2192% | 330 |
| Pretax return on assets | 2.3689% | 411 |
| Return on Equity (ROE) | 21.1382% | 350 |
| Retained earnings to average equity (ytd only) | 17.2954% | 224 |
| Net charge-offs to loans | 0.0070% | 2,061 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 532.1667% | 281 |
| Efficiency ratio | 60.4973% | 2,911 |
| Assets per employee ($millions) | 4.3020% | 4,264 |
| Cash dividends to net income (ytd only)* | 18.1791% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7180% | 1,077 |
| Loan loss allowance to noncurrent loans | 96.0096% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 0.9867% | 675 |
| Noncurrent loans to loans | 1.7894% | 541 |
| Net loans and leases to total assets | 54.1943% | 2,947 |
| Net loans and leases to deposits | 60.6019% | 3,174 |
| Net loans and leases to core deposits | 64.7494% | 3,063 |
| Total domestic deposits to total assets | 89.4268% | 1,052 |
| Equity capital to assets | 10.3360% | 2,581 |
| Core capital (leverage) ratio | 10.4580% | 2,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $198,627,500 | 3,109 |
| Average earning assets | $183,376,500 | 3,112 |
| Average equity | $20,852,750 | 3,175 |
| Average total loans | $114,619,750 | 3,045 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4835% | 2,928 |
| Cost of funding earning assets | 0.2512% | 3,271 |
| Net interest margin | 3.2322% | 2,657 |
| Noninterest income to average assets | 3.3705% | 160 |
| Noninterest expense to average assets | 3.2019% | 716 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.9363% | 139 |
| Return on assets (ROA) | 3.0817% | 123 |
| Pretax return on assets | 3.3006% | 139 |
| Return on Equity (ROE) | 29.1904% | 108 |
| Retained earnings to average equity (ytd only) | 25.1886% | 69 |
| Net charge-offs to loans | 0.0035% | 2,042 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 1,529.5000% | 75 |
| Efficiency ratio | 50.4535% | 4,196 |
| Assets per employee ($millions) | 4.1028% | 4,390 |
| Cash dividends to net income (ytd only)* | 13.7091% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7051% | 1,044 |
| Loan loss allowance to noncurrent loans | 99.6018% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 0.9793% | 776 |
| Noncurrent loans to loans | 1.7119% | 617 |
| Net loans and leases to total assets | 56.2325% | 2,869 |
| Net loans and leases to deposits | 63.1351% | 3,091 |
| Net loans and leases to core deposits | 67.6032% | 2,989 |
| Total domestic deposits to total assets | 89.0670% | 1,250 |
| Equity capital to assets | 10.6658% | 2,251 |
| Core capital (leverage) ratio | 10.9190% | 1,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $194,571,000 | 3,141 |
| Average earning assets | $179,132,333 | 3,141 |
| Average equity | $20,541,000 | 3,201 |
| Average total loans | $114,080,667 | 3,067 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6088% | 2,612 |
| Cost of funding earning assets | 0.2705% | 3,268 |
| Net interest margin | 3.3382% | 2,281 |
| Noninterest income to average assets | 1.5849% | 555 |
| Noninterest expense to average assets | 3.0494% | 913 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5134% | 1,298 |
| Return on assets (ROA) | 1.6187% | 1,143 |
| Pretax return on assets | 1.7244% | 1,442 |
| Return on Equity (ROE) | 15.4191% | 1,134 |
| Retained earnings to average equity (ytd only) | 10.9504% | 1,411 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4125% | 2,314 |
| Assets per employee ($millions) | 4.2288% | 4,327 |
| Cash dividends to net income (ytd only)* | 28.9817% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7428% | 957 |
| Loan loss allowance to noncurrent loans | 99.7013% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 1.1464% | 667 |
| Noncurrent loans to loans | 1.7481% | 683 |
| Net loans and leases to total assets | 58.0511% | 2,793 |
| Net loans and leases to deposits | 64.6338% | 3,071 |
| Net loans and leases to core deposits | 69.4244% | 2,914 |
| Total domestic deposits to total assets | 89.8153% | 904 |
| Equity capital to assets | 10.0012% | 2,705 |
| Core capital (leverage) ratio | 10.4029% | 2,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,286,000 | 3,172 |
| Average earning assets | $174,464,500 | 3,174 |
| Average equity | $19,871,500 | 3,246 |
| Average total loans | $112,442,500 | 3,095 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0292% | 2,641 |
| Cost of funding earning assets | 0.4591% | 3,225 |
| Net interest margin | 3.5701% | 2,246 |
| Noninterest income to average assets | 1.2894% | 685 |
| Noninterest expense to average assets | 3.5207% | 676 |
| Loan and lease loss provision to assets | 0.2609% | 1,486 |
| Net operating income to assets | 0.7278% | 3,339 |
| Return on assets (ROA) | 1.0245% | 2,343 |
| Pretax return on assets | 1.0787% | 2,771 |
| Return on Equity (ROE) | 9.1766% | 2,326 |
| Retained earnings to average equity (ytd only) | 5.2888% | 2,143 |
| Net charge-offs to loans | -0.0994% | 4,812 |
| Credit loss provision to net charge-offs | -422.4299% | 3,901 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4112% | 1,090 |
| Assets per employee ($millions) | 4.0010% | 4,376 |
| Cash dividends to net income (ytd only)* | 42.3662% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8216% | 822 |
| Loan loss allowance to noncurrent loans | 93.1195% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 1.2481% | 674 |
| Noncurrent loans to loans | 1.9562% | 600 |
| Net loans and leases to total assets | 58.6563% | 3,017 |
| Net loans and leases to deposits | 66.0774% | 3,266 |
| Net loans and leases to core deposits | 71.3330% | 3,147 |
| Total domestic deposits to total assets | 88.7691% | 1,085 |
| Equity capital to assets | 11.0234% | 2,232 |
| Core capital (leverage) ratio | 10.5939% | 2,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,259,400 | 3,167 |
| Average earning assets | $158,145,200 | 3,183 |
| Average equity | $19,342,600 | 3,249 |
| Average total loans | $107,626,200 | 3,125 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1183% | 2,628 |
| Cost of funding earning assets | 0.5040% | 3,197 |
| Net interest margin | 3.6144% | 2,229 |
| Noninterest income to average assets | 1.4188% | 564 |
| Noninterest expense to average assets | 3.6060% | 609 |
| Loan and lease loss provision to assets | 0.2627% | 1,547 |
| Net operating income to assets | 0.7919% | 3,121 |
| Return on assets (ROA) | 1.0991% | 2,110 |
| Pretax return on assets | 1.1679% | 2,499 |
| Return on Equity (ROE) | 9.8116% | 2,086 |
| Retained earnings to average equity (ytd only) | 5.7920% | 2,184 |
| Net charge-offs to loans | -0.1320% | 4,869 |
| Credit loss provision to net charge-offs | -316.9811% | 3,710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5643% | 1,153 |
| Assets per employee ($millions) | 3.8820% | 4,417 |
| Cash dividends to net income (ytd only)* | 40.9673% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6400% | 1,002 |
| Loan loss allowance to noncurrent loans | 87.3957% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 1.2353% | 795 |
| Noncurrent loans to loans | 1.8766% | 679 |
| Net loans and leases to total assets | 64.7498% | 2,672 |
| Net loans and leases to deposits | 73.4288% | 3,005 |
| Net loans and leases to core deposits | 79.6412% | 2,869 |
| Total domestic deposits to total assets | 88.1803% | 1,130 |
| Equity capital to assets | 11.5621% | 1,956 |
| Core capital (leverage) ratio | 10.6220% | 2,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,563,000 | 3,172 |
| Average earning assets | $155,301,250 | 3,191 |
| Average equity | $19,106,250 | 3,269 |
| Average total loans | $107,043,500 | 3,137 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1528% | 2,901 |
| Cost of funding earning assets | 0.5485% | 3,246 |
| Net interest margin | 3.6043% | 2,469 |
| Noninterest income to average assets | 1.2944% | 607 |
| Noninterest expense to average assets | 3.6090% | 644 |
| Loan and lease loss provision to assets | 0.1182% | 2,837 |
| Net operating income to assets | 0.7959% | 3,058 |
| Return on assets (ROA) | 1.1337% | 1,980 |
| Pretax return on assets | 1.2046% | 2,353 |
| Return on Equity (ROE) | 10.2335% | 1,911 |
| Retained earnings to average equity (ytd only) | 6.2105% | 1,981 |
| Net charge-offs to loans | -0.2031% | 4,941 |
| Credit loss provision to net charge-offs | -94.3396% | 3,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9297% | 967 |
| Assets per employee ($millions) | 3.7571% | 4,504 |
| Cash dividends to net income (ytd only)* | 39.3118% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4897% | 1,294 |
| Loan loss allowance to noncurrent loans | 73.1707% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.2249% | 882 |
| Noncurrent loans to loans | 2.0359% | 654 |
| Net loans and leases to total assets | 59.2677% | 3,403 |
| Net loans and leases to deposits | 68.6365% | 3,513 |
| Net loans and leases to core deposits | 74.3773% | 3,428 |
| Total domestic deposits to total assets | 86.3501% | 1,867 |
| Equity capital to assets | 10.6433% | 2,625 |
| Core capital (leverage) ratio | 10.6364% | 2,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,187,000 | 3,167 |
| Average earning assets | $153,871,000 | 3,188 |
| Average equity | $18,742,333 | 3,296 |
| Average total loans | $104,392,000 | 3,172 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3658% | 2,727 |
| Cost of funding earning assets | 0.6580% | 3,125 |
| Net interest margin | 3.7078% | 2,300 |
| Noninterest income to average assets | 0.9942% | 870 |
| Noninterest expense to average assets | 3.5664% | 851 |
| Loan and lease loss provision to assets | 0.2473% | 1,255 |
| Net operating income to assets | 0.5039% | 3,884 |
| Return on assets (ROA) | 0.9200% | 2,564 |
| Pretax return on assets | 0.9819% | 2,900 |
| Return on Equity (ROE) | 8.1238% | 2,469 |
| Retained earnings to average equity (ytd only) | 3.4068% | 2,919 |
| Net charge-offs to loans | -0.4466% | 5,014 |
| Credit loss provision to net charge-offs | -88.4956% | 3,172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9318% | 974 |
| Assets per employee ($millions) | 3.2510% | 4,665 |
| Cash dividends to net income (ytd only)* | 58.0645% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6477% | 959 |
| Loan loss allowance to noncurrent loans | 73.3835% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 1.3619% | 841 |
| Noncurrent loans to loans | 2.2453% | 579 |
| Net loans and leases to total assets | 59.6549% | 3,534 |
| Net loans and leases to deposits | 67.4213% | 3,766 |
| Net loans and leases to core deposits | 73.5487% | 3,668 |
| Total domestic deposits to total assets | 88.4808% | 890 |
| Equity capital to assets | 11.2007% | 2,678 |
| Core capital (leverage) ratio | 11.3395% | 2,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,732,000 | 3,195 |
| Average earning assets | $146,502,500 | 3,225 |
| Average equity | $18,316,500 | 3,345 |
| Average total loans | $101,208,000 | 3,210 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3182% | 3,487 |
| Cost of funding earning assets | 0.6578% | 3,376 |
| Net interest margin | 3.6604% | 2,925 |
| Noninterest income to average assets | 1.5101% | 406 |
| Noninterest expense to average assets | 3.8406% | 633 |
| Loan and lease loss provision to assets | 0.2133% | 938 |
| Net operating income to assets | 0.7454% | 3,717 |
| Return on assets (ROA) | 0.8308% | 3,546 |
| Pretax return on assets | 0.8662% | 3,834 |
| Return on Equity (ROE) | 7.5055% | 3,366 |
| Retained earnings to average equity (ytd only) | 4.3612% | 2,785 |
| Net charge-offs to loans | 0.1834% | 1,096 |
| Credit loss provision to net charge-offs | 190.2299% | 1,388 |
| Earnings coverage of net charge-offs (x) | 8.8333% | 2,728 |
| Efficiency ratio | 79.4957% | 981 |
| Assets per employee ($millions) | 3.2176% | 4,689 |
| Cash dividends to net income (ytd only)* | 41.8929% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4178% | 1,460 |
| Loan loss allowance to noncurrent loans | 63.6404% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 1.4392% | 716 |
| Noncurrent loans to loans | 2.2278% | 551 |
| Net loans and leases to total assets | 63.6843% | 3,242 |
| Net loans and leases to deposits | 72.2247% | 3,506 |
| Net loans and leases to core deposits | 78.5477% | 3,412 |
| Total domestic deposits to total assets | 88.1753% | 1,044 |
| Equity capital to assets | 11.4562% | 2,566 |
| Core capital (leverage) ratio | 11.6503% | 2,000 |
| Tier 1 risk-based capital ratio | 15.4557% | 2,595 |
| Total risk-based capital ratio | 16.6838% | 2,534 |
| Memoranda: | ||
| Average total assets | $155,156,200 | 3,241 |
| Average earning assets | $140,775,200 | 3,266 |
| Average equity | $17,174,000 | 3,415 |
| Average total loans | $94,852,400 | 3,295 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2768% | 3,729 |
| Cost of funding earning assets | 0.6460% | 3,471 |
| Net interest margin | 3.6308% | 3,165 |
| Noninterest income to average assets | 1.2597% | 575 |
| Noninterest expense to average assets | 3.7179% | 732 |
| Loan and lease loss provision to assets | 0.1294% | 1,496 |
| Net operating income to assets | 0.6753% | 4,088 |
| Return on assets (ROA) | 0.7688% | 3,847 |
| Pretax return on assets | 0.8085% | 4,101 |
| Return on Equity (ROE) | 7.0078% | 3,678 |
| Retained earnings to average equity (ytd only) | 3.8224% | 3,483 |
| Net charge-offs to loans | 0.2435% | 730 |
| Credit loss provision to net charge-offs | 88.2353% | 2,412 |
| Earnings coverage of net charge-offs (x) | 5.7236% | 2,896 |
| Efficiency ratio | 81.5789% | 787 |
| Assets per employee ($millions) | 3.0913% | 4,844 |
| Cash dividends to net income (ytd only)* | 45.4549% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 1,987 |
| Loan loss allowance to noncurrent loans | 57.7747% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 1.4363% | 794 |
| Noncurrent loans to loans | 2.2417% | 555 |
| Net loans and leases to total assets | 62.4734% | 3,445 |
| Net loans and leases to deposits | 70.7637% | 3,708 |
| Net loans and leases to core deposits | 77.2243% | 3,614 |
| Total domestic deposits to total assets | 88.2845% | 921 |
| Equity capital to assets | 11.3803% | 2,760 |
| Core capital (leverage) ratio | 11.3893% | 2,314 |
| Tier 1 risk-based capital ratio | 15.4596% | 2,652 |
| Total risk-based capital ratio | 16.5756% | 2,635 |
| Memoranda: | ||
| Average total assets | $154,529,750 | 3,277 |
| Average earning assets | $140,350,500 | 3,304 |
| Average equity | $16,952,000 | 3,463 |
| Average total loans | $93,103,000 | 3,376 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2236% | 3,864 |
| Cost of funding earning assets | 0.6146% | 3,576 |
| Net interest margin | 3.6090% | 3,227 |
| Noninterest income to average assets | 1.2943% | 520 |
| Noninterest expense to average assets | 3.6526% | 795 |
| Loan and lease loss provision to assets | 0.1942% | 903 |
| Net operating income to assets | 0.6912% | 4,031 |
| Return on assets (ROA) | 0.7650% | 3,839 |
| Pretax return on assets | 0.8012% | 4,093 |
| Return on Equity (ROE) | 7.0612% | 3,656 |
| Retained earnings to average equity (ytd only) | 3.8353% | 3,328 |
| Net charge-offs to loans | 0.3256% | 520 |
| Credit loss provision to net charge-offs | 100.6711% | 1,951 |
| Earnings coverage of net charge-offs (x) | 4.7584% | 2,714 |
| Efficiency ratio | 79.9207% | 974 |
| Assets per employee ($millions) | 3.2747% | 4,720 |
| Cash dividends to net income (ytd only)* | 45.6853% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 1,617 |
| Loan loss allowance to noncurrent loans | 58.5189% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 1.3748% | 881 |
| Noncurrent loans to loans | 2.3904% | 519 |
| Net loans and leases to total assets | 55.4468% | 4,109 |
| Net loans and leases to deposits | 62.2200% | 4,321 |
| Net loans and leases to core deposits | 67.4946% | 4,235 |
| Total domestic deposits to total assets | 89.1143% | 618 |
| Equity capital to assets | 10.6616% | 3,372 |
| Core capital (leverage) ratio | 11.3579% | 2,291 |
| Tier 1 risk-based capital ratio | 15.7538% | 2,522 |
| Total risk-based capital ratio | 16.9210% | 2,490 |
| Memoranda: | ||
| Average total assets | $154,518,000 | 3,296 |
| Average earning assets | $140,260,670 | 3,326 |
| Average equity | $16,739,330 | 3,491 |
| Average total loans | $91,527,670 | 3,423 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2973% | 3,568 |
| Cost of funding earning assets | 0.5818% | 3,670 |
| Net interest margin | 3.7155% | 2,834 |
| Noninterest income to average assets | 1.6090% | 343 |
| Noninterest expense to average assets | 3.6502% | 800 |
| Loan and lease loss provision to assets | 0.4002% | 290 |
| Net operating income to assets | 0.8562% | 3,421 |
| Return on assets (ROA) | 0.8512% | 3,491 |
| Pretax return on assets | 0.9099% | 3,731 |
| Return on Equity (ROE) | 7.7898% | 3,344 |
| Retained earnings to average equity (ytd only) | 4.4931% | 3,125 |
| Net charge-offs to loans | 0.1227% | 1,010 |
| Credit loss provision to net charge-offs | 535.7143% | 587 |
| Earnings coverage of net charge-offs (x) | 17.6071% | 1,650 |
| Efficiency ratio | 73.5089% | 1,817 |
| Assets per employee ($millions) | 3.1409% | 4,881 |
| Cash dividends to net income (ytd only)* | 42.3197% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5120% | 1,300 |
| Loan loss allowance to noncurrent loans | 56.9293% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 1.6082% | 705 |
| Noncurrent loans to loans | 2.6559% | 470 |
| Net loans and leases to total assets | 59.6337% | 3,745 |
| Net loans and leases to deposits | 67.1609% | 3,969 |
| Net loans and leases to core deposits | 71.9483% | 3,947 |
| Total domestic deposits to total assets | 88.7923% | 963 |
| Equity capital to assets | 10.9913% | 2,859 |
| Core capital (leverage) ratio | 11.5251% | 2,119 |
| Tier 1 risk-based capital ratio | 15.8955% | 2,489 |
| Total risk-based capital ratio | 17.1460% | 2,419 |
| Memoranda: | ||
| Average total assets | $149,908,500 | 3,389 |
| Average earning assets | $135,432,500 | 3,435 |
| Average equity | $16,380,500 | 3,547 |
| Average total loans | $91,254,000 | 3,467 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0505% | 3,890 |
| Cost of funding earning assets | 0.4597% | 3,608 |
| Net interest margin | 3.5908% | 3,414 |
| Noninterest income to average assets | 1.1780% | 669 |
| Noninterest expense to average assets | 3.7000% | 773 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6754% | 4,219 |
| Return on assets (ROA) | 0.6368% | 4,326 |
| Pretax return on assets | 0.6643% | 4,502 |
| Return on Equity (ROE) | 5.6899% | 4,269 |
| Retained earnings to average equity (ytd only) | -0.5910% | 5,050 |
| Net charge-offs to loans | 0.0635% | 2,209 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 19.2500% | 2,077 |
| Efficiency ratio | 84.0070% | 652 |
| Assets per employee ($millions) | 3.1046% | 4,921 |
| Cash dividends to net income (ytd only)* | 110.3867% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4409% | 1,482 |
| Loan loss allowance to noncurrent loans | 51.3772% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 1.7168% | 623 |
| Noncurrent loans to loans | 2.8045% | 390 |
| Net loans and leases to total assets | 60.3328% | 3,734 |
| Net loans and leases to deposits | 67.8688% | 3,986 |
| Net loans and leases to core deposits | 72.8192% | 3,930 |
| Total domestic deposits to total assets | 88.8962% | 902 |
| Equity capital to assets | 10.8591% | 2,839 |
| Core capital (leverage) ratio | 12.0586% | 1,693 |
| Tier 1 risk-based capital ratio | 16.3757% | 2,279 |
| Total risk-based capital ratio | 17.6109% | 2,224 |
| Memoranda: | ||
| Average total assets | $142,106,400 | 3,473 |
| Average earning assets | $127,688,000 | 3,530 |
| Average equity | $15,905,400 | 3,521 |
| Average total loans | $81,860,000 | 3,630 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0791% | 3,703 |
| Cost of funding earning assets | 0.4242% | 3,699 |
| Net interest margin | 3.6549% | 3,185 |
| Noninterest income to average assets | 1.2364% | 631 |
| Noninterest expense to average assets | 3.5856% | 873 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9025% | 3,515 |
| Return on assets (ROA) | 0.8567% | 3,714 |
| Pretax return on assets | 0.8832% | 4,080 |
| Return on Equity (ROE) | 7.5959% | 3,711 |
| Retained earnings to average equity (ytd only) | 1.4907% | 4,731 |
| Net charge-offs to loans | 0.1017% | 1,473 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 16.1478% | 2,181 |
| Efficiency ratio | 79.3976% | 998 |
| Assets per employee ($millions) | 2.8863% | 5,115 |
| Cash dividends to net income (ytd only)* | 80.3754% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5561% | 1,181 |
| Loan loss allowance to noncurrent loans | 58.5970% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 1.5421% | 823 |
| Noncurrent loans to loans | 2.6556% | 464 |
| Net loans and leases to total assets | 57.1661% | 4,117 |
| Net loans and leases to deposits | 64.8882% | 4,284 |
| Net loans and leases to core deposits | 69.4701% | 4,223 |
| Total domestic deposits to total assets | 88.0994% | 1,201 |
| Equity capital to assets | 10.9029% | 2,747 |
| Core capital (leverage) ratio | 12.3018% | 1,611 |
| Tier 1 risk-based capital ratio | 17.4611% | 1,946 |
| Total risk-based capital ratio | 18.7111% | 1,901 |
| Memoranda: | ||
| Average total assets | $141,154,500 | 3,528 |
| Average earning assets | $126,659,000 | 3,587 |
| Average equity | $15,920,500 | 3,547 |
| Average total loans | $79,994,750 | 3,698 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0362% | 3,664 |
| Cost of funding earning assets | 0.3970% | 3,741 |
| Net interest margin | 3.6392% | 3,164 |
| Noninterest income to average assets | 1.1810% | 684 |
| Noninterest expense to average assets | 3.4949% | 1,002 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9191% | 3,382 |
| Return on assets (ROA) | 0.8379% | 3,727 |
| Pretax return on assets | 0.8649% | 4,069 |
| Return on Equity (ROE) | 7.3474% | 3,780 |
| Retained earnings to average equity (ytd only) | 1.6410% | 4,591 |
| Net charge-offs to loans | 0.0303% | 2,253 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 55.7500% | 1,049 |
| Efficiency ratio | 78.6535% | 1,149 |
| Assets per employee ($millions) | 2.9129% | 5,153 |
| Cash dividends to net income (ytd only)* | 77.6650% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6657% | 967 |
| Loan loss allowance to noncurrent loans | 54.2075% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 1.7508% | 686 |
| Noncurrent loans to loans | 3.0729% | 361 |
| Net loans and leases to total assets | 56.0282% | 4,163 |
| Net loans and leases to deposits | 63.8186% | 4,287 |
| Net loans and leases to core deposits | 67.9888% | 4,255 |
| Total domestic deposits to total assets | 87.7928% | 1,478 |
| Equity capital to assets | 11.2839% | 2,374 |
| Core capital (leverage) ratio | 12.2371% | 1,578 |
| Tier 1 risk-based capital ratio | 17.8968% | 1,826 |
| Total risk-based capital ratio | 19.1483% | 1,790 |
| Memoranda: | ||
| Average total assets | $141,062,670 | 3,554 |
| Average earning assets | $126,456,670 | 3,615 |
| Average equity | $16,087,330 | 3,553 |
| Average total loans | $79,283,670 | 3,727 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9578% | 3,767 |
| Cost of funding earning assets | 0.3804% | 3,732 |
| Net interest margin | 3.5774% | 3,258 |
| Noninterest income to average assets | 1.1547% | 693 |
| Noninterest expense to average assets | 3.3793% | 1,197 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9707% | 2,983 |
| Return on assets (ROA) | 0.8074% | 3,687 |
| Pretax return on assets | 0.8215% | 4,099 |
| Return on Equity (ROE) | 7.0433% | 3,770 |
| Retained earnings to average equity (ytd only) | 2.3888% | 4,212 |
| Net charge-offs to loans | 0.0607% | 1,496 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 29.1667% | 1,253 |
| Efficiency ratio | 77.3756% | 1,415 |
| Assets per employee ($millions) | 2.9440% | 5,189 |
| Cash dividends to net income (ytd only)* | 66.0839% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6725% | 1,009 |
| Loan loss allowance to noncurrent loans | 181.2842% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.5180% | 2,800 |
| Noncurrent loans to loans | 0.9226% | 1,972 |
| Net loans and leases to total assets | 55.2087% | 4,191 |
| Net loans and leases to deposits | 62.3549% | 4,316 |
| Net loans and leases to core deposits | 66.5325% | 4,280 |
| Total domestic deposits to total assets | 88.5395% | 1,334 |
| Equity capital to assets | 11.2695% | 2,329 |
| Core capital (leverage) ratio | 12.1427% | 1,560 |
| Tier 1 risk-based capital ratio | 17.9329% | 1,856 |
| Total risk-based capital ratio | 19.1842% | 1,804 |
| Memoranda: | ||
| Average total assets | $141,684,500 | 3,579 |
| Average earning assets | $127,241,500 | 3,629 |
| Average equity | $16,242,500 | 3,556 |
| Average total loans | $79,093,000 | 3,760 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9182% | 3,664 |
| Cost of funding earning assets | 0.3230% | 3,927 |
| Net interest margin | 3.5952% | 3,187 |
| Noninterest income to average assets | 1.1701% | 755 |
| Noninterest expense to average assets | 3.5999% | 894 |
| Loan and lease loss provision to assets | 0.0542% | 3,149 |
| Net operating income to assets | 0.7310% | 3,468 |
| Return on assets (ROA) | 0.8061% | 3,172 |
| Pretax return on assets | 0.8162% | 4,205 |
| Return on Equity (ROE) | 6.8098% | 3,371 |
| Retained earnings to average equity (ytd only) | 3.5147% | 3,172 |
| Net charge-offs to loans | 0.5983% | 384 |
| Credit loss provision to net charge-offs | 16.4114% | 3,633 |
| Earnings coverage of net charge-offs (x) | 2.4070% | 3,744 |
| Efficiency ratio | 81.9198% | 935 |
| Assets per employee ($millions) | 3.0225% | 5,180 |
| Cash dividends to net income (ytd only)* | 48.3871% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6983% | 951 |
| Loan loss allowance to noncurrent loans | 202.5719% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.4653% | 3,013 |
| Noncurrent loans to loans | 0.8384% | 2,127 |
| Net loans and leases to total assets | 54.5580% | 4,309 |
| Net loans and leases to deposits | 61.8977% | 4,460 |
| Net loans and leases to core deposits | 66.0401% | 4,408 |
| Total domestic deposits to total assets | 88.1422% | 1,413 |
| Equity capital to assets | 11.6572% | 2,072 |
| Core capital (leverage) ratio | 12.4052% | 1,398 |
| Tier 1 risk-based capital ratio | 18.4558% | 1,664 |
| Total risk-based capital ratio | 19.7079% | 1,619 |
| Memoranda: | ||
| Average total assets | $138,447,000 | 3,638 |
| Average earning assets | $124,164,600 | 3,682 |
| Average equity | $16,388,200 | 3,547 |
| Average total loans | $76,386,000 | 3,812 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8927% | 3,704 |
| Cost of funding earning assets | 0.3090% | 4,041 |
| Net interest margin | 3.5837% | 3,218 |
| Noninterest income to average assets | 1.1884% | 732 |
| Noninterest expense to average assets | 3.5488% | 923 |
| Loan and lease loss provision to assets | 0.0727% | 2,618 |
| Net operating income to assets | 0.7495% | 3,740 |
| Return on assets (ROA) | 0.8240% | 3,455 |
| Pretax return on assets | 0.8598% | 4,181 |
| Return on Equity (ROE) | 6.9336% | 3,699 |
| Retained earnings to average equity (ytd only) | 3.7441% | 3,696 |
| Net charge-offs to loans | 0.8077% | 227 |
| Credit loss provision to net charge-offs | 16.3399% | 3,181 |
| Earnings coverage of net charge-offs (x) | 1.9216% | 3,530 |
| Efficiency ratio | 80.5855% | 1,035 |
| Assets per employee ($millions) | 3.0106% | 5,260 |
| Cash dividends to net income (ytd only)* | 45.9998% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6712% | 1,090 |
| Loan loss allowance to noncurrent loans | 137.2690% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.7358% | 2,297 |
| Noncurrent loans to loans | 1.2175% | 1,559 |
| Net loans and leases to total assets | 56.8043% | 4,169 |
| Net loans and leases to deposits | 64.8802% | 4,329 |
| Net loans and leases to core deposits | 69.3630% | 4,281 |
| Total domestic deposits to total assets | 87.5525% | 1,609 |
| Equity capital to assets | 12.1594% | 1,860 |
| Core capital (leverage) ratio | 12.3442% | 1,489 |
| Tier 1 risk-based capital ratio | 18.1026% | 1,831 |
| Total risk-based capital ratio | 19.3539% | 1,784 |
| Memoranda: | ||
| Average total assets | $137,544,250 | 3,678 |
| Average earning assets | $123,407,000 | 3,721 |
| Average equity | $16,345,250 | 3,586 |
| Average total loans | $75,771,750 | 3,863 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8702% | 3,654 |
| Cost of funding earning assets | 0.2990% | 4,090 |
| Net interest margin | 3.5712% | 3,143 |
| Noninterest income to average assets | 1.2024% | 710 |
| Noninterest expense to average assets | 3.4817% | 1,038 |
| Loan and lease loss provision to assets | 0.1093% | 1,866 |
| Net operating income to assets | 0.7847% | 3,464 |
| Return on assets (ROA) | 0.8336% | 3,283 |
| Pretax return on assets | 0.8657% | 4,055 |
| Return on Equity (ROE) | 7.0702% | 3,519 |
| Retained earnings to average equity (ytd only) | 3.9059% | 3,376 |
| Net charge-offs to loans | 1.2184% | 160 |
| Credit loss provision to net charge-offs | 16.5563% | 2,810 |
| Earnings coverage of net charge-offs (x) | 1.3996% | 3,287 |
| Efficiency ratio | 79.0275% | 1,334 |
| Assets per employee ($millions) | 2.9818% | 5,283 |
| Cash dividends to net income (ytd only)* | 44.7552% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7540% | 977 |
| Loan loss allowance to noncurrent loans | 150.2237% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.6846% | 2,502 |
| Noncurrent loans to loans | 1.1676% | 1,679 |
| Net loans and leases to total assets | 54.8435% | 4,329 |
| Net loans and leases to deposits | 62.6781% | 4,458 |
| Net loans and leases to core deposits | 67.0472% | 4,416 |
| Total domestic deposits to total assets | 87.5003% | 1,721 |
| Equity capital to assets | 12.3058% | 1,728 |
| Core capital (leverage) ratio | 12.2026% | 1,532 |
| Tier 1 risk-based capital ratio | 18.1165% | 1,819 |
| Total risk-based capital ratio | 19.3687% | 1,778 |
| Memoranda: | ||
| Average total assets | $137,230,330 | 3,705 |
| Average earning assets | $123,095,330 | 3,750 |
| Average equity | $16,180,670 | 3,618 |
| Average total loans | $74,361,330 | 3,912 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0142% | 2,982 |
| Cost of funding earning assets | 0.2830% | 4,225 |
| Net interest margin | 3.7312% | 2,378 |
| Noninterest income to average assets | 1.1598% | 751 |
| Noninterest expense to average assets | 3.3396% | 1,309 |
| Loan and lease loss provision to assets | 0.2186% | 731 |
| Net operating income to assets | 0.8956% | 2,782 |
| Return on assets (ROA) | 0.9150% | 2,739 |
| Pretax return on assets | 0.9646% | 3,522 |
| Return on Equity (ROE) | 7.9336% | 2,957 |
| Retained earnings to average equity (ytd only) | 4.8764% | 2,963 |
| Net charge-offs to loans | 2.2878% | 72 |
| Credit loss provision to net charge-offs | 17.8998% | 2,182 |
| Earnings coverage of net charge-offs (x) | 0.9523% | 2,773 |
| Efficiency ratio | 74.1748% | 2,205 |
| Assets per employee ($millions) | 3.0866% | 5,284 |
| Cash dividends to net income (ytd only)* | 38.5350% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8651% | 850 |
| Loan loss allowance to noncurrent loans | 2,220.9677% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0770% | 4,966 |
| Noncurrent loans to loans | 0.0840% | 4,863 |
| Net loans and leases to total assets | 52.1631% | 4,500 |
| Net loans and leases to deposits | 59.0779% | 4,626 |
| Net loans and leases to core deposits | 63.0901% | 4,592 |
| Total domestic deposits to total assets | 88.2955% | 1,533 |
| Equity capital to assets | 11.5526% | 2,147 |
| Core capital (leverage) ratio | 12.1515% | 1,534 |
| Tier 1 risk-based capital ratio | 18.8636% | 1,643 |
| Total risk-based capital ratio | 20.1163% | 1,604 |
| Memoranda: | ||
| Average total assets | $137,264,000 | 3,734 |
| Average earning assets | $122,962,000 | 3,792 |
| Average equity | $15,831,500 | 3,681 |
| Average total loans | $73,258,000 | 3,966 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8256% | 3,816 |
| Cost of funding earning assets | 0.2749% | 4,311 |
| Net interest margin | 3.5507% | 3,249 |
| Noninterest income to average assets | 1.1871% | 800 |
| Noninterest expense to average assets | 3.6502% | 946 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6768% | 3,886 |
| Return on assets (ROA) | 0.7627% | 3,585 |
| Pretax return on assets | 0.8000% | 4,186 |
| Return on Equity (ROE) | 6.0701% | 3,948 |
| Retained earnings to average equity (ytd only) | 0.9259% | 4,950 |
| Net charge-offs to loans | 0.0471% | 3,095 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 28.2727% | 1,477 |
| Efficiency ratio | 83.7258% | 1,038 |
| Assets per employee ($millions) | 3.0141% | 5,349 |
| Cash dividends to net income (ytd only)* | 84.7458% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3677% | 368 |
| Loan loss allowance to noncurrent loans | 6,619.2308% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0523% | 5,133 |
| Noncurrent loans to loans | 0.0358% | 5,115 |
| Net loans and leases to total assets | 52.3221% | 4,575 |
| Net loans and leases to deposits | 59.2440% | 4,723 |
| Net loans and leases to core deposits | 63.2208% | 4,676 |
| Total domestic deposits to total assets | 88.3163% | 1,479 |
| Equity capital to assets | 11.5142% | 2,157 |
| Core capital (leverage) ratio | 12.2964% | 1,434 |
| Tier 1 risk-based capital ratio | 17.9042% | 1,877 |
| Total risk-based capital ratio | 19.1610% | 1,834 |
| Memoranda: | ||
| Average total assets | $131,499,800 | 3,807 |
| Average earning assets | $117,498,600 | 3,876 |
| Average equity | $16,523,600 | 3,622 |
| Average total loans | $70,004,200 | 4,044 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8406% | 3,794 |
| Cost of funding earning assets | 0.2686% | 4,401 |
| Net interest margin | 3.5720% | 3,193 |
| Noninterest income to average assets | 1.2008% | 796 |
| Noninterest expense to average assets | 3.6494% | 920 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7201% | 3,741 |
| Return on assets (ROA) | 0.8073% | 3,475 |
| Pretax return on assets | 0.8349% | 4,208 |
| Return on Equity (ROE) | 6.2883% | 3,933 |
| Retained earnings to average equity (ytd only) | 0.3025% | 5,271 |
| Net charge-offs to loans | 0.0500% | 2,659 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 28.0352% | 1,545 |
| Efficiency ratio | 83.0465% | 1,067 |
| Assets per employee ($millions) | 2.7340% | 5,590 |
| Cash dividends to net income (ytd only)* | 95.1895% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4398% | 354 |
| Loan loss allowance to noncurrent loans | 1,175.5102% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.1463% | 4,854 |
| Noncurrent loans to loans | 0.2076% | 4,526 |
| Net loans and leases to total assets | 52.6529% | 4,598 |
| Net loans and leases to deposits | 60.6277% | 4,709 |
| Net loans and leases to core deposits | 64.9106% | 4,677 |
| Total domestic deposits to total assets | 86.8463% | 1,964 |
| Equity capital to assets | 12.9396% | 1,515 |
| Core capital (leverage) ratio | 12.6784% | 1,321 |
| Tier 1 risk-based capital ratio | 18.3066% | 1,832 |
| Total risk-based capital ratio | 19.5640% | 1,802 |
| Memoranda: | ||
| Average total assets | $130,466,500 | 3,844 |
| Average earning assets | $116,644,750 | 3,913 |
| Average equity | $16,750,250 | 3,613 |
| Average total loans | $69,333,500 | 4,092 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8374% | 3,814 |
| Cost of funding earning assets | 0.2789% | 4,360 |
| Net interest margin | 3.5585% | 3,261 |
| Noninterest income to average assets | 1.1965% | 789 |
| Noninterest expense to average assets | 3.5619% | 1,066 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8003% | 3,307 |
| Return on assets (ROA) | 0.9001% | 2,996 |
| Pretax return on assets | 0.9323% | 3,826 |
| Return on Equity (ROE) | 7.0292% | 3,521 |
| Retained earnings to average equity (ytd only) | -0.6597% | 5,390 |
| Net charge-offs to loans | -0.0523% | 5,391 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1123% | 1,373 |
| Assets per employee ($millions) | 2.7083% | 5,676 |
| Cash dividends to net income (ytd only)* | 109.3857% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5337% | 349 |
| Loan loss allowance to noncurrent loans | 571.6129% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.2731% | 4,404 |
| Noncurrent loans to loans | 0.4433% | 3,781 |
| Net loans and leases to total assets | 52.4355% | 4,633 |
| Net loans and leases to deposits | 60.9543% | 4,734 |
| Net loans and leases to core deposits | 64.4802% | 4,711 |
| Total domestic deposits to total assets | 86.0242% | 2,410 |
| Equity capital to assets | 13.0904% | 1,449 |
| Core capital (leverage) ratio | 12.5701% | 1,317 |
| Tier 1 risk-based capital ratio | 18.2560% | 1,860 |
| Total risk-based capital ratio | 19.5148% | 1,824 |
| Memoranda: | ||
| Average total assets | $130,211,000 | 3,879 |
| Average earning assets | $116,901,670 | 3,934 |
| Average equity | $16,673,330 | 3,633 |
| Average total loans | $68,836,000 | 4,118 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8209% | 3,872 |
| Cost of funding earning assets | 0.2837% | 4,346 |
| Net interest margin | 3.5372% | 3,326 |
| Noninterest income to average assets | 1.1541% | 827 |
| Noninterest expense to average assets | 3.3763% | 1,429 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9211% | 2,643 |
| Return on assets (ROA) | 1.0006% | 2,394 |
| Pretax return on assets | 1.0375% | 3,331 |
| Return on Equity (ROE) | 7.9023% | 2,972 |
| Retained earnings to average equity (ytd only) | 7.9023% | 1,501 |
| Net charge-offs to loans | -0.0234% | 4,945 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9589% | 1,904 |
| Assets per employee ($millions) | 2.9899% | 5,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5941% | 356 |
| Loan loss allowance to noncurrent loans | 1,028.0702% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 4,894 |
| Noncurrent loans to loans | 0.2523% | 4,529 |
| Net loans and leases to total assets | 50.1771% | 4,790 |
| Net loans and leases to deposits | 58.2231% | 4,839 |
| Net loans and leases to core deposits | 62.1842% | 4,809 |
| Total domestic deposits to total assets | 86.1808% | 2,596 |
| Equity capital to assets | 12.8979% | 1,460 |
| Core capital (leverage) ratio | 12.9217% | 1,190 |
| Tier 1 risk-based capital ratio | 19.4471% | 1,623 |
| Total risk-based capital ratio | 20.7064% | 1,589 |
| Memoranda: | ||
| Average total assets | $130,318,500 | 3,908 |
| Average earning assets | $117,041,000 | 3,956 |
| Average equity | $16,501,500 | 3,662 |
| Average total loans | $68,286,000 | 4,153 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9833% | 3,367 |
| Cost of funding earning assets | 0.2448% | 4,838 |
| Net interest margin | 3.7386% | 2,612 |
| Noninterest income to average assets | 1.2809% | 730 |
| Noninterest expense to average assets | 3.9413% | 726 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6415% | 4,075 |
| Return on assets (ROA) | 0.6941% | 3,951 |
| Pretax return on assets | 0.7551% | 4,351 |
| Return on Equity (ROE) | 5.6006% | 4,233 |
| Retained earnings to average equity (ytd only) | 1.4207% | 4,917 |
| Net charge-offs to loans | 0.1932% | 1,507 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 6.9147% | 3,152 |
| Efficiency ratio | 84.9553% | 1,093 |
| Assets per employee ($millions) | 2.8075% | 5,701 |
| Cash dividends to net income (ytd only)* | 74.6336% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5469% | 372 |
| Loan loss allowance to noncurrent loans | 908.8083% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.2191% | 4,716 |
| Noncurrent loans to loans | 0.2802% | 4,458 |
| Net loans and leases to total assets | 51.9679% | 4,700 |
| Net loans and leases to deposits | 60.0216% | 4,779 |
| Net loans and leases to core deposits | 63.4933% | 4,770 |
| Total domestic deposits to total assets | 86.5820% | 2,336 |
| Equity capital to assets | 12.4548% | 1,647 |
| Core capital (leverage) ratio | 12.8334% | 1,215 |
| Tier 1 risk-based capital ratio | 19.2303% | 1,649 |
| Total risk-based capital ratio | 20.4894% | 1,606 |
| Memoranda: | ||
| Average total assets | $127,800,000 | 3,939 |
| Average earning assets | $114,803,000 | 3,987 |
| Average equity | $15,837,600 | 3,704 |
| Average total loans | $66,784,000 | 4,175 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9246% | 3,661 |
| Cost of funding earning assets | 0.2455% | 4,929 |
| Net interest margin | 3.6791% | 2,853 |
| Noninterest income to average assets | 1.2071% | 827 |
| Noninterest expense to average assets | 3.8933% | 753 |
| Loan and lease loss provision to assets | 0.0010% | 4,224 |
| Net operating income to assets | 0.5918% | 4,422 |
| Return on assets (ROA) | 0.6475% | 4,259 |
| Pretax return on assets | 0.6789% | 4,754 |
| Return on Equity (ROE) | 5.2315% | 4,515 |
| Retained earnings to average equity (ytd only) | 1.5298% | 5,103 |
| Net charge-offs to loans | 0.0624% | 2,702 |
| Credit loss provision to net charge-offs | 3.2258% | 3,503 |
| Earnings coverage of net charge-offs (x) | 19.1624% | 1,962 |
| Efficiency ratio | 86.2373% | 986 |
| Assets per employee ($millions) | 2.8833% | 5,675 |
| Cash dividends to net income (ytd only)* | 70.7601% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6941% | 338 |
| Loan loss allowance to noncurrent loans | 419.2308% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.4414% | 4,019 |
| Noncurrent loans to loans | 0.6426% | 3,393 |
| Net loans and leases to total assets | 52.7545% | 4,684 |
| Net loans and leases to deposits | 61.1226% | 4,780 |
| Net loans and leases to core deposits | 64.7329% | 4,779 |
| Total domestic deposits to total assets | 86.3093% | 2,380 |
| Equity capital to assets | 12.6652% | 1,641 |
| Core capital (leverage) ratio | 12.8314% | 1,258 |
| Tier 1 risk-based capital ratio | 19.1426% | 1,739 |
| Total risk-based capital ratio | 20.4031% | 1,701 |
| Memoranda: | ||
| Average total assets | $127,463,250 | 3,984 |
| Average earning assets | $114,589,250 | 4,031 |
| Average equity | $15,775,750 | 3,748 |
| Average total loans | $66,262,750 | 4,233 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8435% | 3,903 |
| Cost of funding earning assets | 0.2422% | 5,028 |
| Net interest margin | 3.6013% | 3,088 |
| Noninterest income to average assets | 1.1812% | 868 |
| Noninterest expense to average assets | 3.7646% | 915 |
| Loan and lease loss provision to assets | 0.0016% | 4,056 |
| Net operating income to assets | 0.6286% | 4,221 |
| Return on assets (ROA) | 0.7128% | 3,949 |
| Pretax return on assets | 0.7410% | 4,522 |
| Return on Equity (ROE) | 5.8042% | 4,230 |
| Retained earnings to average equity (ytd only) | 1.2884% | 5,037 |
| Net charge-offs to loans | 0.1039% | 1,967 |
| Credit loss provision to net charge-offs | 2.9412% | 3,139 |
| Earnings coverage of net charge-offs (x) | 12.2941% | 2,220 |
| Efficiency ratio | 85.1826% | 1,132 |
| Assets per employee ($millions) | 2.6927% | 5,922 |
| Cash dividends to net income (ytd only)* | 77.8022% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8264% | 328 |
| Loan loss allowance to noncurrent loans | 253.4247% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.6846% | 3,346 |
| Noncurrent loans to loans | 1.1153% | 2,420 |
| Net loans and leases to total assets | 51.3498% | 4,815 |
| Net loans and leases to deposits | 58.7277% | 4,943 |
| Net loans and leases to core deposits | 62.2334% | 4,929 |
| Total domestic deposits to total assets | 87.4372% | 1,938 |
| Equity capital to assets | 12.4037% | 1,717 |
| Core capital (leverage) ratio | 12.7465% | 1,278 |
| Tier 1 risk-based capital ratio | 20.1181% | 1,521 |
| Total risk-based capital ratio | 21.3800% | 1,491 |
| Memoranda: | ||
| Average total assets | $127,662,000 | 4,001 |
| Average earning assets | $114,790,670 | 4,054 |
| Average equity | $15,678,330 | 3,781 |
| Average total loans | $65,423,330 | 4,297 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7926% | 4,039 |
| Cost of funding earning assets | 0.2403% | 5,126 |
| Net interest margin | 3.5524% | 3,217 |
| Noninterest income to average assets | 1.1176% | 908 |
| Noninterest expense to average assets | 3.6369% | 1,085 |
| Loan and lease loss provision to assets | 0.0031% | 3,669 |
| Net operating income to assets | 0.6534% | 4,032 |
| Return on assets (ROA) | 0.7163% | 3,848 |
| Pretax return on assets | 0.7379% | 4,472 |
| Return on Equity (ROE) | 5.8603% | 4,103 |
| Retained earnings to average equity (ytd only) | -1.7177% | 5,652 |
| Net charge-offs to loans | -0.0306% | 5,263 |
| Credit loss provision to net charge-offs | -20.0000% | 4,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3236% | 1,340 |
| Assets per employee ($millions) | 2.7444% | 5,935 |
| Cash dividends to net income (ytd only)* | 129.3103% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9431% | 315 |
| Loan loss allowance to noncurrent loans | 217.3763% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.7171% | 3,347 |
| Noncurrent loans to loans | 1.3539% | 2,121 |
| Net loans and leases to total assets | 48.2952% | 5,001 |
| Net loans and leases to deposits | 55.2844% | 5,101 |
| Net loans and leases to core deposits | 58.1761% | 5,113 |
| Total domestic deposits to total assets | 87.3577% | 2,185 |
| Equity capital to assets | 12.4802% | 1,704 |
| Core capital (leverage) ratio | 12.3276% | 1,440 |
| Tier 1 risk-based capital ratio | 19.9449% | 1,635 |
| Total risk-based capital ratio | 21.2078% | 1,601 |
| Memoranda: | ||
| Average total assets | $129,560,000 | 4,000 |
| Average earning assets | $116,542,000 | 4,052 |
| Average equity | $15,835,500 | 3,773 |
| Average total loans | $65,407,500 | 4,313 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0715% | 3,438 |
| Cost of funding earning assets | 0.2909% | 4,881 |
| Net interest margin | 3.7806% | 2,691 |
| Noninterest income to average assets | 1.1943% | 845 |
| Noninterest expense to average assets | 4.4715% | 474 |
| Loan and lease loss provision to assets | -0.1418% | 6,221 |
| Net operating income to assets | 0.2502% | 5,662 |
| Return on assets (ROA) | 0.2806% | 5,639 |
| Pretax return on assets | 0.2829% | 5,734 |
| Return on Equity (ROE) | 2.5424% | 5,622 |
| Retained earnings to average equity (ytd only) | -0.6530% | 5,872 |
| Net charge-offs to loans | -0.3939% | 6,366 |
| Credit loss provision to net charge-offs | 74.0000% | 2,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5908% | 439 |
| Assets per employee ($millions) | 2.7688% | 5,961 |
| Cash dividends to net income (ytd only)* | 125.6831% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8260% | 360 |
| Loan loss allowance to noncurrent loans | 202.2556% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.7677% | 3,295 |
| Noncurrent loans to loans | 1.3972% | 2,099 |
| Net loans and leases to total assets | 49.7556% | 4,997 |
| Net loans and leases to deposits | 56.6841% | 5,139 |
| Net loans and leases to core deposits | 59.4127% | 5,182 |
| Total domestic deposits to total assets | 87.7770% | 1,879 |
| Equity capital to assets | 11.9671% | 2,037 |
| Core capital (leverage) ratio | 12.2369% | 1,483 |
| Tier 1 risk-based capital ratio | 19.5958% | 1,688 |
| Total risk-based capital ratio | 20.8582% | 1,646 |
| Memoranda: | ||
| Average total assets | $130,449,800 | 3,962 |
| Average earning assets | $116,885,800 | 4,027 |
| Average equity | $14,396,000 | 3,959 |
| Average total loans | $63,474,000 | 4,379 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0267% | 3,655 |
| Cost of funding earning assets | 0.3069% | 4,823 |
| Net interest margin | 3.7198% | 2,942 |
| Noninterest income to average assets | 1.1573% | 896 |
| Noninterest expense to average assets | 4.3769% | 518 |
| Loan and lease loss provision to assets | -0.0082% | 6,084 |
| Net operating income to assets | 0.1185% | 5,999 |
| Return on assets (ROA) | 0.1593% | 5,963 |
| Pretax return on assets | 0.1593% | 6,002 |
| Return on Equity (ROE) | 1.4749% | 5,954 |
| Retained earnings to average equity (ytd only) | -1.3615% | 6,016 |
| Net charge-offs to loans | -0.1595% | 6,256 |
| Credit loss provision to net charge-offs | 10.6667% | 3,697 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5415% | 450 |
| Assets per employee ($millions) | 2.6843% | 6,097 |
| Cash dividends to net income (ytd only)* | 192.3121% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9506% | 380 |
| Loan loss allowance to noncurrent loans | 144.8885% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 1.1573% | 2,633 |
| Noncurrent loans to loans | 2.0365% | 1,545 |
| Net loans and leases to total assets | 49.1439% | 5,100 |
| Net loans and leases to deposits | 55.8287% | 5,254 |
| Net loans and leases to core deposits | 58.5939% | 5,298 |
| Total domestic deposits to total assets | 88.0263% | 1,753 |
| Equity capital to assets | 11.7803% | 2,239 |
| Core capital (leverage) ratio | 12.0815% | 1,651 |
| Tier 1 risk-based capital ratio | 20.1778% | 1,627 |
| Total risk-based capital ratio | 21.4416% | 1,584 |
| Memoranda: | ||
| Average total assets | $130,529,250 | 3,996 |
| Average earning assets | $116,850,250 | 4,062 |
| Average equity | $14,101,750 | 4,030 |
| Average total loans | $62,684,750 | 4,438 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0017% | 3,722 |
| Cost of funding earning assets | 0.3116% | 4,859 |
| Net interest margin | 3.6901% | 2,998 |
| Noninterest income to average assets | 1.1077% | 966 |
| Noninterest expense to average assets | 4.4171% | 490 |
| Loan and lease loss provision to assets | -0.0121% | 6,236 |
| Net operating income to assets | 0.0121% | 6,170 |
| Return on assets (ROA) | 0.0621% | 6,130 |
| Pretax return on assets | 0.0546% | 6,147 |
| Return on Equity (ROE) | 0.5921% | 6,128 |
| Retained earnings to average equity (ytd only) | -3.7405% | 6,157 |
| Net charge-offs to loans | -0.2087% | 6,351 |
| Credit loss provision to net charge-offs | 12.3077% | 3,281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1718% | 396 |
| Assets per employee ($millions) | 2.8166% | 6,011 |
| Cash dividends to net income (ytd only)* | 731.7073% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9957% | 387 |
| Loan loss allowance to noncurrent loans | 138.0707% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 1.2125% | 2,662 |
| Noncurrent loans to loans | 2.1697% | 1,521 |
| Net loans and leases to total assets | 46.8610% | 5,280 |
| Net loans and leases to deposits | 52.9896% | 5,426 |
| Net loans and leases to core deposits | 59.0825% | 5,196 |
| Total domestic deposits to total assets | 88.4343% | 1,666 |
| Equity capital to assets | 11.3527% | 2,551 |
| Core capital (leverage) ratio | 11.9384% | 1,695 |
| Tier 1 risk-based capital ratio | 20.2615% | 1,623 |
| Total risk-based capital ratio | 21.5257% | 1,592 |
| Memoranda: | ||
| Average total assets | $131,985,670 | 3,994 |
| Average earning assets | $118,099,330 | 4,059 |
| Average equity | $13,848,330 | 4,072 |
| Average total loans | $62,284,670 | 4,471 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9759% | 3,788 |
| Cost of funding earning assets | 0.3182% | 4,885 |
| Net interest margin | 3.6577% | 3,031 |
| Noninterest income to average assets | 1.0991% | 924 |
| Noninterest expense to average assets | 4.5707% | 428 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1682% | 6,336 |
| Return on assets (ROA) | -0.1682% | 6,340 |
| Pretax return on assets | -0.1922% | 6,343 |
| Return on Equity (ROE) | -1.6694% | 6,339 |
| Retained earnings to average equity (ytd only) | -10.6126% | 6,382 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.3896% | 361 |
| Assets per employee ($millions) | 3.0250% | 5,821 |
| Cash dividends to net income (ytd only)* | -535.7143% | 6,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8508% | 508 |
| Loan loss allowance to noncurrent loans | 132.0261% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 1.1961% | 2,865 |
| Noncurrent loans to loans | 2.1593% | 1,690 |
| Net loans and leases to total assets | 46.5466% | 5,271 |
| Net loans and leases to deposits | 52.0386% | 5,451 |
| Net loans and leases to core deposits | 58.0998% | 5,191 |
| Total domestic deposits to total assets | 89.4462% | 1,396 |
| Equity capital to assets | 10.3472% | 3,404 |
| Core capital (leverage) ratio | 11.6730% | 1,849 |
| Tier 1 risk-based capital ratio | 19.6176% | 1,810 |
| Total risk-based capital ratio | 20.8800% | 1,780 |
| Memoranda: | ||
| Average total assets | $133,196,500 | 4,005 |
| Average earning assets | $119,420,000 | 4,055 |
| Average equity | $13,418,000 | 4,165 |
| Average total loans | $62,132,000 | 4,520 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1936% | 3,366 |
| Cost of funding earning assets | 0.4038% | 4,606 |
| Net interest margin | 3.7898% | 2,684 |
| Noninterest income to average assets | 1.2666% | 863 |
| Noninterest expense to average assets | 3.8738% | 1,028 |
| Loan and lease loss provision to assets | 0.1976% | 1,875 |
| Net operating income to assets | 0.5256% | 4,614 |
| Return on assets (ROA) | 0.5532% | 4,617 |
| Pretax return on assets | 0.5755% | 4,951 |
| Return on Equity (ROE) | 5.2981% | 4,498 |
| Retained earnings to average equity (ytd only) | 5.2981% | 2,418 |
| Net charge-offs to loans | 0.4859% | 1,372 |
| Credit loss provision to net charge-offs | 84.3558% | 2,916 |
| Earnings coverage of net charge-offs (x) | 3.1779% | 3,935 |
| Efficiency ratio | 83.8830% | 1,637 |
| Assets per employee ($millions) | 3.0294% | 5,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0053% | 464 |
| Loan loss allowance to noncurrent loans | 113.3416% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 1.4164% | 2,625 |
| Noncurrent loans to loans | 2.6515% | 1,393 |
| Net loans and leases to total assets | 44.0192% | 5,669 |
| Net loans and leases to deposits | 48.9085% | 5,837 |
| Net loans and leases to core deposits | 54.5530% | 5,638 |
| Total domestic deposits to total assets | 90.0033% | 1,077 |
| Equity capital to assets | 9.8009% | 4,040 |
| Core capital (leverage) ratio | 11.9393% | 1,649 |
| Tier 1 risk-based capital ratio | 20.6740% | 1,495 |
| Total risk-based capital ratio | 21.9370% | 1,465 |
| Memoranda: | ||
| Average total assets | $139,191,000 | 3,890 |
| Average earning assets | $123,092,200 | 3,989 |
| Average equity | $14,533,400 | 3,958 |
| Average total loans | $67,097,000 | 4,372 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2111% | 3,345 |
| Cost of funding earning assets | 0.4228% | 4,581 |
| Net interest margin | 3.7883% | 2,685 |
| Noninterest income to average assets | 1.2872% | 890 |
| Noninterest expense to average assets | 3.7279% | 1,206 |
| Loan and lease loss provision to assets | 0.2607% | 1,358 |
| Net operating income to assets | 0.6038% | 4,330 |
| Return on assets (ROA) | 0.6398% | 4,292 |
| Pretax return on assets | 0.6739% | 4,778 |
| Return on Equity (ROE) | 6.0398% | 4,170 |
| Retained earnings to average equity (ytd only) | 6.0398% | 2,386 |
| Net charge-offs to loans | 0.6303% | 977 |
| Credit loss provision to net charge-offs | 84.6154% | 2,736 |
| Earnings coverage of net charge-offs (x) | 2.9108% | 3,864 |
| Efficiency ratio | 80.6108% | 2,017 |
| Assets per employee ($millions) | 2.8258% | 6,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9731% | 566 |
| Loan loss allowance to noncurrent loans | 107.5059% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 1.5865% | 2,561 |
| Noncurrent loans to loans | 2.7655% | 1,518 |
| Net loans and leases to total assets | 44.6974% | 5,661 |
| Net loans and leases to deposits | 49.9348% | 5,838 |
| Net loans and leases to core deposits | 55.6214% | 5,657 |
| Total domestic deposits to total assets | 89.5114% | 1,292 |
| Equity capital to assets | 10.2507% | 3,575 |
| Core capital (leverage) ratio | 11.6914% | 1,895 |
| Tier 1 risk-based capital ratio | 20.4448% | 1,611 |
| Total risk-based capital ratio | 21.7076% | 1,583 |
| Memoranda: | ||
| Average total assets | $140,665,250 | 3,903 |
| Average earning assets | $123,922,000 | 4,002 |
| Average equity | $14,900,750 | 3,933 |
| Average total loans | $68,748,000 | 4,349 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2511% | 3,152 |
| Cost of funding earning assets | 0.4473% | 4,456 |
| Net interest margin | 3.8037% | 2,544 |
| Noninterest income to average assets | 1.3246% | 884 |
| Noninterest expense to average assets | 3.7045% | 1,240 |
| Loan and lease loss provision to assets | 0.2792% | 1,315 |
| Net operating income to assets | 0.6533% | 4,046 |
| Return on assets (ROA) | 0.7077% | 3,941 |
| Pretax return on assets | 0.7454% | 4,524 |
| Return on Equity (ROE) | 6.6146% | 3,824 |
| Retained earnings to average equity (ytd only) | 6.6146% | 2,086 |
| Net charge-offs to loans | 0.6959% | 943 |
| Credit loss provision to net charge-offs | 80.6452% | 2,612 |
| Earnings coverage of net charge-offs (x) | 2.7944% | 3,584 |
| Efficiency ratio | 79.2949% | 2,260 |
| Assets per employee ($millions) | 2.9303% | 5,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7645% | 737 |
| Loan loss allowance to noncurrent loans | 88.8293% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 1.6933% | 2,570 |
| Noncurrent loans to loans | 3.1121% | 1,419 |
| Net loans and leases to total assets | 46.5075% | 5,478 |
| Net loans and leases to deposits | 51.7990% | 5,702 |
| Net loans and leases to core deposits | 57.4150% | 5,474 |
| Total domestic deposits to total assets | 89.7845% | 1,157 |
| Equity capital to assets | 10.0071% | 3,907 |
| Core capital (leverage) ratio | 11.2966% | 2,091 |
| Tier 1 risk-based capital ratio | 19.2317% | 1,930 |
| Total risk-based capital ratio | 20.4933% | 1,898 |
| Memoranda: | ||
| Average total assets | $143,283,330 | 3,890 |
| Average earning assets | $126,086,330 | 3,986 |
| Average equity | $15,329,670 | 3,887 |
| Average total loans | $71,270,000 | 4,263 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6994% | 5,167 |
| Cost of funding earning assets | 0.4823% | 4,267 |
| Net interest margin | 3.2171% | 4,859 |
| Noninterest income to average assets | 1.1036% | 1,215 |
| Noninterest expense to average assets | 3.6751% | 1,286 |
| Loan and lease loss provision to assets | 0.0685% | 3,490 |
| Net operating income to assets | 0.1852% | 5,936 |
| Return on assets (ROA) | 0.2930% | 5,714 |
| Pretax return on assets | 0.3040% | 5,841 |
| Return on Equity (ROE) | 2.6578% | 5,721 |
| Retained earnings to average equity (ytd only) | 2.6578% | 4,690 |
| Net charge-offs to loans | 0.7625% | 800 |
| Credit loss provision to net charge-offs | 17.7305% | 3,070 |
| Earnings coverage of net charge-offs (x) | 0.6738% | 3,605 |
| Efficiency ratio | 93.3890% | 883 |
| Assets per employee ($millions) | 2.7738% | 6,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5327% | 1,077 |
| Loan loss allowance to noncurrent loans | 44.8912% | 5,386 |
| Noncurrent assets plus other real estate owned to assets | 3.3049% | 1,325 |
| Noncurrent loans to loans | 5.6418% | 626 |
| Net loans and leases to total assets | 46.7717% | 5,357 |
| Net loans and leases to deposits | 52.6421% | 5,562 |
| Net loans and leases to core deposits | 58.3257% | 5,310 |
| Total domestic deposits to total assets | 88.8484% | 1,768 |
| Equity capital to assets | 11.0372% | 2,919 |
| Core capital (leverage) ratio | 10.6518% | 2,594 |
| Tier 1 risk-based capital ratio | 18.0398% | 2,342 |
| Total risk-based capital ratio | 19.3000% | 2,306 |
| Memoranda: | ||
| Average total assets | $146,064,000 | 3,877 |
| Average earning assets | $128,562,000 | 3,970 |
| Average equity | $16,103,500 | 3,802 |
| Average total loans | $73,969,000 | 4,203 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2655% | 4,341 |
| Cost of funding earning assets | 0.7442% | 3,125 |
| Net interest margin | 3.5213% | 4,415 |
| Noninterest income to average assets | 0.5634% | 3,492 |
| Noninterest expense to average assets | 3.9008% | 1,099 |
| Loan and lease loss provision to assets | 0.7655% | 651 |
| Net operating income to assets | -0.9927% | 6,744 |
| Return on assets (ROA) | -0.8522% | 6,714 |
| Pretax return on assets | -0.8871% | 6,701 |
| Return on Equity (ROE) | -7.4165% | 6,669 |
| Retained earnings to average equity (ytd only) | -8.8835% | 6,602 |
| Net charge-offs to loans | 0.7262% | 1,620 |
| Credit loss provision to net charge-offs | 185.9706% | 1,409 |
| Earnings coverage of net charge-offs (x) | -0.6509% | 5,703 |
| Efficiency ratio | 107.3752% | 383 |
| Assets per employee ($millions) | 2.7387% | 6,380 |
| Cash dividends to net income (ytd only)* | -19.7794% | 7,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3742% | 1,275 |
| Loan loss allowance to noncurrent loans | 36.0811% | 5,817 |
| Noncurrent assets plus other real estate owned to assets | 3.7711% | 1,174 |
| Noncurrent loans to loans | 6.5801% | 502 |
| Net loans and leases to total assets | 51.9667% | 4,933 |
| Net loans and leases to deposits | 58.4834% | 5,187 |
| Net loans and leases to core deposits | 66.3808% | 4,702 |
| Total domestic deposits to total assets | 88.8572% | 1,672 |
| Equity capital to assets | 11.0130% | 2,933 |
| Core capital (leverage) ratio | 10.4402% | 2,836 |
| Tier 1 risk-based capital ratio | 16.3733% | 2,951 |
| Total risk-based capital ratio | 17.6319% | 2,910 |
| Memoranda: | ||
| Average total assets | $148,917,000 | 3,798 |
| Average earning assets | $129,810,000 | 3,902 |
| Average equity | $17,110,400 | 3,610 |
| Average total loans | $84,406,800 | 3,895 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3192% | 4,376 |
| Cost of funding earning assets | 0.8052% | 2,897 |
| Net interest margin | 3.5140% | 4,586 |
| Noninterest income to average assets | 0.8875% | 1,876 |
| Noninterest expense to average assets | 3.8799% | 1,092 |
| Loan and lease loss provision to assets | 0.6614% | 789 |
| Net operating income to assets | -0.5512% | 6,723 |
| Return on assets (ROA) | -0.5273% | 6,742 |
| Pretax return on assets | -0.5738% | 6,733 |
| Return on Equity (ROE) | -4.5428% | 6,702 |
| Retained earnings to average equity (ytd only) | -6.4755% | 6,694 |
| Net charge-offs to loans | 0.9476% | 1,135 |
| Credit loss provision to net charge-offs | 121.3115% | 2,389 |
| Earnings coverage of net charge-offs (x) | 0.1131% | 5,282 |
| Efficiency ratio | 98.4354% | 587 |
| Assets per employee ($millions) | 2.7434% | 6,440 |
| Cash dividends to net income (ytd only)* | -42.5424% | 7,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7494% | 2,969 |
| Loan loss allowance to noncurrent loans | 28.6214% | 6,177 |
| Noncurrent assets plus other real estate owned to assets | 4.5969% | 1,002 |
| Noncurrent loans to loans | 6.1123% | 661 |
| Net loans and leases to total assets | 55.8046% | 4,487 |
| Net loans and leases to deposits | 63.3225% | 4,795 |
| Net loans and leases to core deposits | 71.8738% | 4,270 |
| Total domestic deposits to total assets | 88.1276% | 1,967 |
| Equity capital to assets | 11.6058% | 2,642 |
| Core capital (leverage) ratio | 11.0917% | 2,308 |
| Tier 1 risk-based capital ratio | 16.1518% | 3,190 |
| Total risk-based capital ratio | 17.4043% | 3,160 |
| Memoranda: | ||
| Average total assets | $149,174,000 | 3,834 |
| Average earning assets | $129,651,500 | 3,950 |
| Average equity | $17,316,250 | 3,606 |
| Average total loans | $85,828,000 | 3,895 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3609% | 4,343 |
| Cost of funding earning assets | 0.8762% | 2,596 |
| Net interest margin | 3.4847% | 4,743 |
| Noninterest income to average assets | 1.0514% | 1,312 |
| Noninterest expense to average assets | 3.8738% | 1,112 |
| Loan and lease loss provision to assets | 0.8561% | 566 |
| Net operating income to assets | -0.5993% | 6,779 |
| Return on assets (ROA) | -0.5993% | 6,804 |
| Pretax return on assets | -0.6514% | 6,801 |
| Return on Equity (ROE) | -5.1621% | 6,774 |
| Retained earnings to average equity (ytd only) | -8.0542% | 6,771 |
| Net charge-offs to loans | 1.4793% | 677 |
| Credit loss provision to net charge-offs | 100.1565% | 2,711 |
| Earnings coverage of net charge-offs (x) | 0.2394% | 4,953 |
| Efficiency ratio | 94.9820% | 756 |
| Assets per employee ($millions) | 2.6721% | 6,568 |
| Cash dividends to net income (ytd only)* | -56.0268% | 7,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5980% | 3,613 |
| Loan loss allowance to noncurrent loans | 24.1070% | 6,396 |
| Noncurrent assets plus other real estate owned to assets | 4.9135% | 978 |
| Noncurrent loans to loans | 6.6290% | 620 |
| Net loans and leases to total assets | 57.3111% | 4,279 |
| Net loans and leases to deposits | 65.1953% | 4,617 |
| Net loans and leases to core deposits | 74.4341% | 3,960 |
| Total domestic deposits to total assets | 87.9067% | 2,206 |
| Equity capital to assets | 11.8895% | 2,231 |
| Core capital (leverage) ratio | 11.1226% | 2,185 |
| Tier 1 risk-based capital ratio | 16.5015% | 2,915 |
| Total risk-based capital ratio | 17.7527% | 2,876 |
| Memoranda: | ||
| Average total assets | $149,518,000 | 3,848 |
| Average earning assets | $129,881,670 | 3,965 |
| Average equity | $17,357,330 | 3,591 |
| Average total loans | $86,390,000 | 3,895 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3695% | 4,449 |
| Cost of funding earning assets | 0.9089% | 2,620 |
| Net interest margin | 3.4606% | 4,874 |
| Noninterest income to average assets | 0.8992% | 1,751 |
| Noninterest expense to average assets | 3.5233% | 1,708 |
| Loan and lease loss provision to assets | 0.7231% | 715 |
| Net operating income to assets | -0.3050% | 6,712 |
| Return on assets (ROA) | -0.3050% | 6,751 |
| Pretax return on assets | -0.3339% | 6,748 |
| Return on Equity (ROE) | -2.6578% | 6,733 |
| Retained earnings to average equity (ytd only) | -8.4088% | 6,781 |
| Net charge-offs to loans | 0.9136% | 1,123 |
| Credit loss provision to net charge-offs | 137.5000% | 1,789 |
| Earnings coverage of net charge-offs (x) | 0.7400% | 3,962 |
| Efficiency ratio | 90.0538% | 1,093 |
| Assets per employee ($millions) | 2.7635% | 6,557 |
| Cash dividends to net income (ytd only)* | -216.3793% | 7,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6448% | 3,561 |
| Loan loss allowance to noncurrent loans | 26.4218% | 6,324 |
| Noncurrent assets plus other real estate owned to assets | 4.5253% | 1,180 |
| Noncurrent loans to loans | 6.2250% | 790 |
| Net loans and leases to total assets | 55.7500% | 4,430 |
| Net loans and leases to deposits | 66.8526% | 4,251 |
| Net loans and leases to core deposits | 76.3138% | 3,582 |
| Total domestic deposits to total assets | 83.3924% | 4,764 |
| Equity capital to assets | 11.3579% | 2,572 |
| Core capital (leverage) ratio | 10.9079% | 2,339 |
| Tier 1 risk-based capital ratio | 16.3245% | 3,001 |
| Total risk-based capital ratio | 17.5759% | 2,962 |
| Memoranda: | ||
| Average total assets | $152,129,500 | 3,836 |
| Average earning assets | $132,462,500 | 3,935 |
| Average equity | $17,458,000 | 3,578 |
| Average total loans | $87,565,000 | 3,896 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9056% | 3,325 |
| Cost of funding earning assets | 0.9811% | 3,503 |
| Net interest margin | 3.9245% | 3,226 |
| Noninterest income to average assets | 1.0937% | 1,109 |
| Noninterest expense to average assets | 3.7159% | 1,508 |
| Loan and lease loss provision to assets | 0.3802% | 2,722 |
| Net operating income to assets | 0.4308% | 4,733 |
| Return on assets (ROA) | 0.4599% | 4,802 |
| Pretax return on assets | 0.4777% | 5,053 |
| Return on Equity (ROE) | 4.1630% | 4,773 |
| Retained earnings to average equity (ytd only) | 3.6262% | 3,629 |
| Net charge-offs to loans | 0.5864% | 2,693 |
| Credit loss provision to net charge-offs | 105.4845% | 3,244 |
| Earnings coverage of net charge-offs (x) | 2.2962% | 4,072 |
| Efficiency ratio | 81.7865% | 2,051 |
| Assets per employee ($millions) | 2.8198% | 6,430 |
| Cash dividends to net income (ytd only)* | 12.8940% | 3,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5082% | 3,983 |
| Loan loss allowance to noncurrent loans | 22.5508% | 6,532 |
| Noncurrent assets plus other real estate owned to assets | 4.7535% | 1,146 |
| Noncurrent loans to loans | 6.6882% | 687 |
| Net loans and leases to total assets | 57.5538% | 4,449 |
| Net loans and leases to deposits | 69.2693% | 4,235 |
| Net loans and leases to core deposits | 79.0782% | 3,568 |
| Total domestic deposits to total assets | 83.0871% | 4,712 |
| Equity capital to assets | 11.5934% | 2,432 |
| Core capital (leverage) ratio | 11.2626% | 2,072 |
| Tier 1 risk-based capital ratio | 16.4070% | 2,857 |
| Total risk-based capital ratio | 17.6578% | 2,831 |
| Memoranda: | ||
| Average total assets | $151,782,000 | 3,767 |
| Average earning assets | $133,419,600 | 3,860 |
| Average equity | $16,766,800 | 3,613 |
| Average total loans | $93,276,200 | 3,779 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0335% | 2,917 |
| Cost of funding earning assets | 0.9963% | 3,700 |
| Net interest margin | 4.0372% | 2,742 |
| Noninterest income to average assets | 1.1007% | 1,099 |
| Noninterest expense to average assets | 3.7442% | 1,406 |
| Loan and lease loss provision to assets | 0.4853% | 2,049 |
| Net operating income to assets | 0.4023% | 4,990 |
| Return on assets (ROA) | 0.3974% | 5,194 |
| Pretax return on assets | 0.4211% | 5,401 |
| Return on Equity (ROE) | 3.6424% | 5,155 |
| Retained earnings to average equity (ytd only) | 2.9172% | 4,611 |
| Net charge-offs to loans | 0.6401% | 2,331 |
| Credit loss provision to net charge-offs | 121.8543% | 2,657 |
| Earnings coverage of net charge-offs (x) | 2.2892% | 3,984 |
| Efficiency ratio | 80.4192% | 2,192 |
| Assets per employee ($millions) | 2.7948% | 6,494 |
| Cash dividends to net income (ytd only)* | 19.9121% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5008% | 4,090 |
| Loan loss allowance to noncurrent loans | 72.2848% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 2.0726% | 3,057 |
| Noncurrent loans to loans | 2.0763% | 3,269 |
| Net loans and leases to total assets | 61.3597% | 3,876 |
| Net loans and leases to deposits | 73.9471% | 3,663 |
| Net loans and leases to core deposits | 82.0892% | 3,317 |
| Total domestic deposits to total assets | 82.9777% | 4,694 |
| Equity capital to assets | 11.6651% | 2,530 |
| Core capital (leverage) ratio | 11.1829% | 2,249 |
| Tier 1 risk-based capital ratio | 15.6141% | 3,325 |
| Total risk-based capital ratio | 16.8649% | 3,290 |
| Memoranda: | ||
| Average total assets | $151,660,500 | 3,799 |
| Average earning assets | $133,556,000 | 3,884 |
| Average equity | $16,545,250 | 3,654 |
| Average total loans | $94,350,750 | 3,793 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9240% | 3,515 |
| Cost of funding earning assets | 1.0137% | 3,861 |
| Net interest margin | 3.9103% | 3,263 |
| Noninterest income to average assets | 1.0019% | 1,308 |
| Noninterest expense to average assets | 3.7273% | 1,480 |
| Loan and lease loss provision to assets | 0.4279% | 2,289 |
| Net operating income to assets | 0.2907% | 5,402 |
| Return on assets (ROA) | 0.2831% | 5,566 |
| Pretax return on assets | 0.2923% | 5,688 |
| Return on Equity (ROE) | 2.6556% | 5,542 |
| Retained earnings to average equity (ytd only) | 1.5440% | 5,208 |
| Net charge-offs to loans | 0.4976% | 2,614 |
| Credit loss provision to net charge-offs | 138.2979% | 2,205 |
| Earnings coverage of net charge-offs (x) | 2.3532% | 3,647 |
| Efficiency ratio | 83.6584% | 1,863 |
| Assets per employee ($millions) | 2.7538% | 6,555 |
| Cash dividends to net income (ytd only)* | 41.8605% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5021% | 4,116 |
| Loan loss allowance to noncurrent loans | 33.1285% | 6,086 |
| Noncurrent assets plus other real estate owned to assets | 3.7779% | 1,721 |
| Noncurrent loans to loans | 4.5341% | 1,454 |
| Net loans and leases to total assets | 61.8240% | 3,919 |
| Net loans and leases to deposits | 74.2443% | 3,764 |
| Net loans and leases to core deposits | 82.1774% | 3,471 |
| Total domestic deposits to total assets | 83.2710% | 4,649 |
| Equity capital to assets | 11.3102% | 2,673 |
| Core capital (leverage) ratio | 10.9802% | 2,272 |
| Tier 1 risk-based capital ratio | 15.5143% | 3,230 |
| Total risk-based capital ratio | 16.7654% | 3,178 |
| Memoranda: | ||
| Average total assets | $151,907,330 | 3,817 |
| Average earning assets | $134,159,670 | 3,906 |
| Average equity | $16,192,000 | 3,700 |
| Average total loans | $94,462,670 | 3,830 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8330% | 3,897 |
| Cost of funding earning assets | 1.0060% | 4,163 |
| Net interest margin | 3.8270% | 3,481 |
| Noninterest income to average assets | 1.0214% | 1,264 |
| Noninterest expense to average assets | 3.6871% | 1,560 |
| Loan and lease loss provision to assets | 0.5863% | 1,472 |
| Net operating income to assets | 0.1381% | 5,979 |
| Return on assets (ROA) | 0.1225% | 6,092 |
| Pretax return on assets | 0.1225% | 6,124 |
| Return on Equity (ROE) | 1.1840% | 6,079 |
| Retained earnings to average equity (ytd only) | -0.6802% | 5,923 |
| Net charge-offs to loans | 0.9387% | 1,429 |
| Credit loss provision to net charge-offs | 100.8969% | 2,617 |
| Earnings coverage of net charge-offs (x) | 1.2466% | 3,737 |
| Efficiency ratio | 83.5794% | 2,005 |
| Assets per employee ($millions) | 2.7768% | 6,572 |
| Cash dividends to net income (ytd only)* | 157.4468% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3998% | 4,668 |
| Loan loss allowance to noncurrent loans | 52.7923% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 2.3522% | 2,895 |
| Noncurrent loans to loans | 2.6515% | 2,843 |
| Net loans and leases to total assets | 61.7266% | 3,914 |
| Net loans and leases to deposits | 73.4589% | 3,852 |
| Net loans and leases to core deposits | 80.6553% | 3,650 |
| Total domestic deposits to total assets | 84.0288% | 4,479 |
| Equity capital to assets | 10.6219% | 3,065 |
| Core capital (leverage) ratio | 10.7217% | 2,422 |
| Tier 1 risk-based capital ratio | 15.4046% | 3,209 |
| Total risk-based capital ratio | 16.6425% | 3,174 |
| Memoranda: | ||
| Average total assets | $153,508,000 | 3,820 |
| Average earning assets | $135,981,000 | 3,897 |
| Average equity | $15,878,500 | 3,743 |
| Average total loans | $95,025,000 | 3,856 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3552% | 2,873 |
| Cost of funding earning assets | 1.2843% | 3,985 |
| Net interest margin | 4.0708% | 2,704 |
| Noninterest income to average assets | 1.1421% | 1,136 |
| Noninterest expense to average assets | 3.6026% | 1,917 |
| Loan and lease loss provision to assets | 0.6960% | 2,353 |
| Net operating income to assets | 0.3878% | 4,597 |
| Return on assets (ROA) | 0.4797% | 4,349 |
| Pretax return on assets | 0.5133% | 4,573 |
| Return on Equity (ROE) | 4.5922% | 4,252 |
| Retained earnings to average equity (ytd only) | 2.7442% | 3,934 |
| Net charge-offs to loans | 0.8175% | 2,595 |
| Credit loss provision to net charge-offs | 130.5085% | 3,037 |
| Earnings coverage of net charge-offs (x) | 2.0823% | 4,160 |
| Efficiency ratio | 76.4384% | 2,978 |
| Assets per employee ($millions) | 2.9087% | 6,306 |
| Cash dividends to net income (ytd only)* | 40.2423% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3641% | 4,679 |
| Loan loss allowance to noncurrent loans | 59.8813% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 1.9405% | 3,424 |
| Noncurrent loans to loans | 2.2780% | 3,241 |
| Net loans and leases to total assets | 60.3982% | 4,609 |
| Net loans and leases to deposits | 71.2575% | 4,644 |
| Net loans and leases to core deposits | 81.4304% | 3,989 |
| Total domestic deposits to total assets | 84.7604% | 3,967 |
| Equity capital to assets | 10.0782% | 3,645 |
| Core capital (leverage) ratio | 10.3511% | 2,717 |
| Tier 1 risk-based capital ratio | 14.9518% | 3,277 |
| Total risk-based capital ratio | 16.1495% | 3,265 |
| Memoranda: | ||
| Average total assets | $154,890,000 | 3,795 |
| Average earning assets | $135,868,600 | 3,896 |
| Average equity | $16,179,600 | 3,724 |
| Average total loans | $101,036,000 | 3,762 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4091% | 2,837 |
| Cost of funding earning assets | 1.3503% | 3,898 |
| Net interest margin | 4.0588% | 2,820 |
| Noninterest income to average assets | 1.0643% | 1,267 |
| Noninterest expense to average assets | 3.5331% | 1,954 |
| Loan and lease loss provision to assets | 0.7369% | 2,081 |
| Net operating income to assets | 0.3306% | 5,045 |
| Return on assets (ROA) | 0.4570% | 4,693 |
| Pretax return on assets | 0.4794% | 4,994 |
| Return on Equity (ROE) | 4.3359% | 4,623 |
| Retained earnings to average equity (ytd only) | 2.5491% | 4,636 |
| Net charge-offs to loans | 0.5007% | 3,278 |
| Credit loss provision to net charge-offs | 222.1354% | 1,555 |
| Earnings coverage of net charge-offs (x) | 3.2656% | 3,514 |
| Efficiency ratio | 76.5344% | 2,849 |
| Assets per employee ($millions) | 2.8289% | 6,533 |
| Cash dividends to net income (ytd only)* | 41.2097% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4963% | 3,982 |
| Loan loss allowance to noncurrent loans | 34.8371% | 6,002 |
| Noncurrent assets plus other real estate owned to assets | 3.5899% | 1,983 |
| Noncurrent loans to loans | 4.2953% | 1,692 |
| Net loans and leases to total assets | 65.8883% | 3,716 |
| Net loans and leases to deposits | 78.7410% | 3,683 |
| Net loans and leases to core deposits | 90.5756% | 3,013 |
| Total domestic deposits to total assets | 83.6773% | 4,282 |
| Equity capital to assets | 11.0184% | 2,943 |
| Core capital (leverage) ratio | 10.5589% | 2,628 |
| Tier 1 risk-based capital ratio | 14.4146% | 3,563 |
| Total risk-based capital ratio | 15.6657% | 3,533 |
| Memoranda: | ||
| Average total assets | $154,344,750 | 3,854 |
| Average earning assets | $135,077,000 | 3,969 |
| Average equity | $16,267,000 | 3,761 |
| Average total loans | $102,250,000 | 3,792 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4045% | 2,959 |
| Cost of funding earning assets | 1.3844% | 3,976 |
| Net interest margin | 4.0201% | 2,923 |
| Noninterest income to average assets | 1.0551% | 1,206 |
| Noninterest expense to average assets | 3.4713% | 2,098 |
| Loan and lease loss provision to assets | 0.9078% | 1,603 |
| Net operating income to assets | 0.1788% | 5,636 |
| Return on assets (ROA) | 0.3487% | 5,146 |
| Pretax return on assets | 0.3629% | 5,333 |
| Return on Equity (ROE) | 3.3585% | 5,076 |
| Retained earnings to average equity (ytd only) | 2.1768% | 4,760 |
| Net charge-offs to loans | 0.1916% | 4,463 |
| Credit loss provision to net charge-offs | 717.3469% | 523 |
| Earnings coverage of net charge-offs (x) | 8.6429% | 2,114 |
| Efficiency ratio | 76.0396% | 3,069 |
| Assets per employee ($millions) | 3.0214% | 6,105 |
| Cash dividends to net income (ytd only)* | 35.1852% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6242% | 3,350 |
| Loan loss allowance to noncurrent loans | 51.7241% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 2.7127% | 2,663 |
| Noncurrent loans to loans | 3.1401% | 2,552 |
| Net loans and leases to total assets | 64.1896% | 4,223 |
| Net loans and leases to deposits | 76.1113% | 4,317 |
| Net loans and leases to core deposits | 89.3679% | 3,357 |
| Total domestic deposits to total assets | 84.3366% | 3,938 |
| Equity capital to assets | 10.4792% | 3,438 |
| Core capital (leverage) ratio | 10.4915% | 2,638 |
| Tier 1 risk-based capital ratio | 14.1446% | 3,638 |
| Total risk-based capital ratio | 15.3975% | 3,591 |
| Memoranda: | ||
| Average total assets | $154,872,000 | 3,874 |
| Average earning assets | $135,221,330 | 3,998 |
| Average equity | $16,078,670 | 3,785 |
| Average total loans | $102,272,670 | 3,825 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3918% | 3,073 |
| Cost of funding earning assets | 1.4104% | 4,111 |
| Net interest margin | 3.9813% | 2,952 |
| Noninterest income to average assets | 1.1681% | 899 |
| Noninterest expense to average assets | 3.5928% | 1,751 |
| Loan and lease loss provision to assets | 1.7587% | 646 |
| Net operating income to assets | -0.7362% | 6,973 |
| Return on assets (ROA) | -0.7362% | 6,998 |
| Pretax return on assets | -0.7024% | 6,900 |
| Return on Equity (ROE) | -7.1258% | 7,007 |
| Retained earnings to average equity (ytd only) | -7.1258% | 6,756 |
| Net charge-offs to loans | 0.1292% | 4,192 |
| Credit loss provision to net charge-offs | 2,048.4848% | 249 |
| Earnings coverage of net charge-offs (x) | 12.3030% | 1,576 |
| Efficiency ratio | 77.2804% | 3,019 |
| Assets per employee ($millions) | 2.7816% | 6,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6776% | 3,144 |
| Loan loss allowance to noncurrent loans | 65.0000% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 2.2935% | 3,156 |
| Noncurrent loans to loans | 2.5810% | 3,090 |
| Net loans and leases to total assets | 66.4485% | 3,759 |
| Net loans and leases to deposits | 79.1049% | 3,820 |
| Net loans and leases to core deposits | 93.8919% | 2,854 |
| Total domestic deposits to total assets | 84.0005% | 4,146 |
| Equity capital to assets | 10.5922% | 3,149 |
| Core capital (leverage) ratio | 10.2134% | 2,919 |
| Tier 1 risk-based capital ratio | 14.0946% | 3,598 |
| Total risk-based capital ratio | 15.3480% | 3,559 |
| Memoranda: | ||
| Average total assets | $153,752,500 | 3,949 |
| Average earning assets | $134,427,000 | 4,069 |
| Average equity | $15,886,000 | 3,849 |
| Average total loans | $102,152,000 | 3,882 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7323% | 2,943 |
| Cost of funding earning assets | 1.7645% | 4,178 |
| Net interest margin | 3.9677% | 2,992 |
| Noninterest income to average assets | 1.3457% | 823 |
| Noninterest expense to average assets | 4.0703% | 1,272 |
| Loan and lease loss provision to assets | 0.3349% | 4,797 |
| Net operating income to assets | 0.4248% | 4,030 |
| Return on assets (ROA) | 0.5203% | 3,739 |
| Pretax return on assets | 0.5325% | 4,102 |
| Return on Equity (ROE) | 4.8083% | 3,754 |
| Retained earnings to average equity (ytd only) | 2.6824% | 3,273 |
| Net charge-offs to loans | 0.5512% | 3,581 |
| Credit loss provision to net charge-offs | 89.6739% | 6,009 |
| Earnings coverage of net charge-offs (x) | 2.0616% | 4,180 |
| Efficiency ratio | 84.0928% | 2,337 |
| Assets per employee ($millions) | 2.8600% | 6,542 |
| Cash dividends to net income (ytd only)* | 44.2133% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 6,211 |
| Loan loss allowance to noncurrent loans | 44.8772% | 5,412 |
| Noncurrent assets plus other real estate owned to assets | 2.0006% | 3,402 |
| Noncurrent loans to loans | 2.2978% | 3,289 |
| Net loans and leases to total assets | 64.6739% | 4,453 |
| Net loans and leases to deposits | 76.3181% | 4,680 |
| Net loans and leases to core deposits | 93.6043% | 4,716 |
| Total domestic deposits to total assets | 84.7425% | 3,688 |
| Equity capital to assets | 10.0839% | 3,641 |
| Core capital (leverage) ratio | 10.3875% | 2,697 |
| Tier 1 risk-based capital ratio | 14.0023% | 3,497 |
| Total risk-based capital ratio | 14.9337% | 3,632 |
| Memoranda: | ||
| Average total assets | $147,800,600 | 3,990 |
| Average earning assets | $130,175,200 | 4,082 |
| Average equity | $15,993,200 | 3,872 |
| Average total loans | $100,141,600 | 3,946 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7794% | 2,987 |
| Cost of funding earning assets | 1.8950% | 3,910 |
| Net interest margin | 3.8844% | 3,286 |
| Noninterest income to average assets | 1.3771% | 795 |
| Noninterest expense to average assets | 4.1220% | 1,112 |
| Loan and lease loss provision to assets | 0.2246% | 5,174 |
| Net operating income to assets | 0.4428% | 4,224 |
| Return on assets (ROA) | 0.4428% | 4,330 |
| Pretax return on assets | 0.4621% | 4,635 |
| Return on Equity (ROE) | 4.0183% | 4,369 |
| Retained earnings to average equity (ytd only) | 4.0183% | 3,031 |
| Net charge-offs to loans | 0.5482% | 3,040 |
| Credit loss provision to net charge-offs | 59.9022% | 6,178 |
| Earnings coverage of net charge-offs (x) | 1.8313% | 4,432 |
| Efficiency ratio | 85.7197% | 2,093 |
| Assets per employee ($millions) | 2.4453% | 7,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 6,610 |
| Loan loss allowance to noncurrent loans | 32.8168% | 6,241 |
| Noncurrent assets plus other real estate owned to assets | 2.3404% | 2,939 |
| Noncurrent loans to loans | 2.8561% | 2,658 |
| Net loans and leases to total assets | 67.5259% | 4,061 |
| Net loans and leases to deposits | 80.9638% | 4,204 |
| Net loans and leases to core deposits | 100.5872% | 4,308 |
| Total domestic deposits to total assets | 83.4026% | 4,018 |
| Equity capital to assets | 11.0993% | 2,926 |
| Core capital (leverage) ratio | 10.8475% | 2,529 |
| Tier 1 risk-based capital ratio | 14.4358% | 3,310 |
| Total risk-based capital ratio | 15.2962% | 3,474 |
| Memoranda: | ||
| Average total assets | $145,425,750 | 4,050 |
| Average earning assets | $128,475,750 | 4,137 |
| Average equity | $16,026,000 | 3,908 |
| Average total loans | $99,479,000 | 4,002 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7416% | 3,334 |
| Cost of funding earning assets | 2.0214% | 3,674 |
| Net interest margin | 3.7202% | 3,874 |
| Noninterest income to average assets | 1.3913% | 790 |
| Noninterest expense to average assets | 4.2641% | 996 |
| Loan and lease loss provision to assets | 0.1526% | 5,548 |
| Net operating income to assets | 0.2483% | 5,091 |
| Return on assets (ROA) | 0.2483% | 5,189 |
| Pretax return on assets | 0.2552% | 5,314 |
| Return on Equity (ROE) | 2.2588% | 5,194 |
| Retained earnings to average equity (ytd only) | 2.2588% | 4,080 |
| Net charge-offs to loans | 0.5408% | 2,705 |
| Credit loss provision to net charge-offs | 41.1985% | 5,884 |
| Earnings coverage of net charge-offs (x) | 1.1011% | 4,692 |
| Efficiency ratio | 91.2708% | 1,702 |
| Assets per employee ($millions) | 2.3545% | 7,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9536% | 6,533 |
| Loan loss allowance to noncurrent loans | 28.2270% | 6,615 |
| Noncurrent assets plus other real estate owned to assets | 2.4688% | 2,614 |
| Noncurrent loans to loans | 3.3785% | 2,082 |
| Net loans and leases to total assets | 68.3007% | 4,106 |
| Net loans and leases to deposits | 83.2681% | 4,006 |
| Net loans and leases to core deposits | 104.9139% | 3,966 |
| Total domestic deposits to total assets | 82.0251% | 4,687 |
| Equity capital to assets | 10.7562% | 3,156 |
| Core capital (leverage) ratio | 10.7306% | 2,630 |
| Tier 1 risk-based capital ratio | 14.4309% | 3,289 |
| Total risk-based capital ratio | 15.3141% | 3,420 |
| Memoranda: | ||
| Average total assets | $144,180,330 | 4,100 |
| Average earning assets | $127,142,000 | 4,197 |
| Average equity | $15,849,330 | 3,948 |
| Average total loans | $98,746,670 | 4,047 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6893% | 3,860 |
| Cost of funding earning assets | 2.0812% | 3,734 |
| Net interest margin | 3.6081% | 4,284 |
| Noninterest income to average assets | 1.4573% | 659 |
| Noninterest expense to average assets | 4.2267% | 916 |
| Loan and lease loss provision to assets | 0.1256% | 5,350 |
| Net operating income to assets | 0.2764% | 5,379 |
| Return on assets (ROA) | 0.2764% | 5,551 |
| Pretax return on assets | 0.2848% | 5,716 |
| Return on Equity (ROE) | 2.4870% | 5,579 |
| Retained earnings to average equity (ytd only) | 2.4870% | 4,488 |
| Net charge-offs to loans | 0.1145% | 4,052 |
| Credit loss provision to net charge-offs | 160.7143% | 2,638 |
| Earnings coverage of net charge-offs (x) | 5.2500% | 2,712 |
| Efficiency ratio | 91.1499% | 1,638 |
| Assets per employee ($millions) | 2.3207% | 7,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1497% | 5,123 |
| Loan loss allowance to noncurrent loans | 42.6637% | 5,691 |
| Noncurrent assets plus other real estate owned to assets | 1.8751% | 3,100 |
| Noncurrent loans to loans | 2.6948% | 2,437 |
| Net loans and leases to total assets | 67.7634% | 4,191 |
| Net loans and leases to deposits | 81.4278% | 4,382 |
| Net loans and leases to core deposits | 104.2235% | 4,115 |
| Total domestic deposits to total assets | 83.2190% | 4,035 |
| Equity capital to assets | 11.0402% | 2,930 |
| Core capital (leverage) ratio | 10.9560% | 2,534 |
| Tier 1 risk-based capital ratio | 14.6669% | 3,220 |
| Total risk-based capital ratio | 15.7327% | 3,240 |
| Memoranda: | ||
| Average total assets | $143,280,000 | 4,120 |
| Average earning assets | $126,273,000 | 4,238 |
| Average equity | $15,923,000 | 3,955 |
| Average total loans | $97,787,000 | 4,092 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5746% | 2,603 |
| Cost of funding earning assets | 2.6907% | 3,202 |
| Net interest margin | 3.8839% | 3,644 |
| Noninterest income to average assets | 1.7068% | 467 |
| Noninterest expense to average assets | 4.0913% | 1,293 |
| Loan and lease loss provision to assets | 0.1250% | 5,768 |
| Net operating income to assets | 0.8562% | 3,198 |
| Return on assets (ROA) | 0.8562% | 3,039 |
| Pretax return on assets | 0.8742% | 3,815 |
| Return on Equity (ROE) | 7.8999% | 3,114 |
| Retained earnings to average equity (ytd only) | 2.4539% | 3,666 |
| Net charge-offs to loans | 0.1882% | 4,307 |
| Credit loss provision to net charge-offs | 98.3607% | 5,435 |
| Earnings coverage of net charge-offs (x) | 7.8634% | 3,011 |
| Efficiency ratio | 80.3710% | 2,543 |
| Assets per employee ($millions) | 2.3012% | 7,563 |
| Cash dividends to net income (ytd only)* | 68.9376% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1523% | 4,905 |
| Loan loss allowance to noncurrent loans | 50.9348% | 5,446 |
| Noncurrent assets plus other real estate owned to assets | 1.5370% | 3,147 |
| Noncurrent loans to loans | 2.2622% | 2,437 |
| Net loans and leases to total assets | 67.1608% | 4,606 |
| Net loans and leases to deposits | 80.9986% | 4,872 |
| Net loans and leases to core deposits | 103.2119% | 4,480 |
| Total domestic deposits to total assets | 82.9160% | 3,806 |
| Equity capital to assets | 11.1868% | 2,887 |
| Core capital (leverage) ratio | 10.8032% | 2,743 |
| Tier 1 risk-based capital ratio | 14.3622% | 3,355 |
| Total risk-based capital ratio | 15.3967% | 3,396 |
| Memoranda: | ||
| Average total assets | $144,011,600 | 4,008 |
| Average earning assets | $125,467,000 | 4,141 |
| Average equity | $15,607,800 | 4,003 |
| Average total loans | $97,250,600 | 4,024 |