Home > The First National Bank in Trinidad > Performance and Condition Ratios
The First National Bank in Trinidad, 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 | 4.0741% | 3,847 |
| Cost of funding earning assets | 0.8377% | 3,637 |
| Net interest margin | 3.2364% | 2,781 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.6620% | 1,842 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.5613% | 3,535 |
| Return on assets (ROA) | 0.5595% | 3,530 |
| Pretax return on assets | 0.5595% | 3,706 |
| Return on Equity (ROE) | 18.4700% | 762 |
| Retained earnings to average equity (ytd only) | 7.1705% | 1,845 |
| Net charge-offs to loans | -0.1122% | 4,507 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 81.7639% | 792 |
| Assets per employee ($millions) | 4.5985% | 3,892 |
| Cash dividends to net income (ytd only)* | 61.1719% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4398% | 1,236 |
| Loan loss allowance to noncurrent loans | 214.9373% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.3218% | 1,655 |
| Noncurrent loans to loans | 0.6699% | 1,171 |
| Net loans and leases to total assets | 43.8400% | 3,909 |
| Net loans and leases to deposits | 54.2877% | 3,780 |
| Net loans and leases to core deposits | 54.8601% | 3,949 |
| Total domestic deposits to total assets | 80.7600% | 3,349 |
| Equity capital to assets | 3.8178% | 4,505 |
| Core capital (leverage) ratio | 9.9047% | 2,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $277,572,400 | 2,540 |
| Average earning assets | $252,471,400 | 2,558 |
| Average equity | $8,409,400 | 3,889 |
| Average total loans | $114,087,600 | 3,002 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0367% | 3,785 |
| Cost of funding earning assets | 0.6891% | 3,786 |
| Net interest margin | 3.3476% | 2,576 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.6428% | 1,818 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.6925% | 3,341 |
| Return on assets (ROA) | 0.6901% | 3,329 |
| Pretax return on assets | 0.6901% | 3,572 |
| Return on Equity (ROE) | 24.4900% | 409 |
| Retained earnings to average equity (ytd only) | 11.5108% | 1,064 |
| Net charge-offs to loans | -0.1553% | 4,551 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.5476% | 965 |
| Assets per employee ($millions) | 4.1177% | 4,111 |
| Cash dividends to net income (ytd only)* | 53.0035% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5514% | 985 |
| Loan loss allowance to noncurrent loans | 242.4837% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.3027% | 1,801 |
| Noncurrent loans to loans | 0.6398% | 1,276 |
| Net loans and leases to total assets | 42.6700% | 3,967 |
| Net loans and leases to deposits | 48.4717% | 3,991 |
| Net loans and leases to core deposits | 48.9710% | 4,066 |
| Total domestic deposits to total assets | 88.0300% | 1,564 |
| Equity capital to assets | 1.7627% | 4,553 |
| Core capital (leverage) ratio | 10.0779% | 2,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $273,389,000 | 2,564 |
| Average earning assets | $248,611,500 | 2,585 |
| Average equity | $7,702,750 | 3,966 |
| Average total loans | $109,879,000 | 3,060 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9437% | 3,800 |
| Cost of funding earning assets | 0.5452% | 3,896 |
| Net interest margin | 3.3986% | 2,518 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.6218% | 1,869 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.7653% | 3,176 |
| Return on assets (ROA) | 0.7617% | 3,207 |
| Pretax return on assets | 0.7617% | 3,484 |
| Return on Equity (ROE) | 24.0000% | 431 |
| Retained earnings to average equity (ytd only) | 13.5964% | 733 |
| Net charge-offs to loans | 0.0019% | 2,312 |
| Credit loss provision to net charge-offs | 3,000.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 1,073.0000% | 133 |
| Efficiency ratio | 76.9049% | 1,099 |
| Assets per employee ($millions) | 4.0989% | 4,145 |
| Cash dividends to net income (ytd only)* | 43.3526% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4767% | 1,251 |
| Loan loss allowance to noncurrent loans | 131.4729% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.4952% | 1,096 |
| Noncurrent loans to loans | 1.1232% | 630 |
| Net loans and leases to total assets | 41.2000% | 3,996 |
| Net loans and leases to deposits | 46.0709% | 4,045 |
| Net loans and leases to core deposits | 46.5401% | 4,113 |
| Total domestic deposits to total assets | 89.4300% | 1,103 |
| Equity capital to assets | 3.2389% | 4,554 |
| Core capital (leverage) ratio | 10.1673% | 2,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $272,555,667 | 2,572 |
| Average earning assets | $247,988,000 | 2,594 |
| Average equity | $8,649,333 | 3,885 |
| Average total loans | $106,648,333 | 3,097 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8232% | 3,812 |
| Cost of funding earning assets | 0.3877% | 3,999 |
| Net interest margin | 3.4355% | 2,544 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.7328% | 1,589 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.6821% | 3,509 |
| Return on assets (ROA) | 0.6747% | 3,472 |
| Pretax return on assets | 0.6747% | 3,709 |
| Return on Equity (ROE) | 21.4900% | 623 |
| Retained earnings to average equity (ytd only) | 12.1034% | 1,249 |
| Net charge-offs to loans | 0.0039% | 1,846 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 478.0000% | 240 |
| Efficiency ratio | 79.5114% | 872 |
| Assets per employee ($millions) | 4.0720% | 4,221 |
| Cash dividends to net income (ytd only)* | 43.6681% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5885% | 1,033 |
| Loan loss allowance to noncurrent loans | 161.7902% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 0.4065% | 1,271 |
| Noncurrent loans to loans | 0.9818% | 750 |
| Net loans and leases to total assets | 38.1700% | 4,108 |
| Net loans and leases to deposits | 41.9020% | 4,167 |
| Net loans and leases to core deposits | 42.4217% | 4,215 |
| Total domestic deposits to total assets | 91.1000% | 768 |
| Equity capital to assets | 3.3314% | 4,582 |
| Core capital (leverage) ratio | 10.3067% | 2,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $271,519,000 | 2,603 |
| Average earning assets | $246,602,500 | 2,630 |
| Average equity | $8,526,500 | 3,943 |
| Average total loans | $102,549,000 | 3,180 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0926% | 3,999 |
| Cost of funding earning assets | 0.2034% | 3,732 |
| Net interest margin | 2.8892% | 3,704 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.6063% | 1,812 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.5024% | 4,086 |
| Return on assets (ROA) | 0.5016% | 4,048 |
| Pretax return on assets | 0.5016% | 4,169 |
| Return on Equity (ROE) | 10.3800% | 2,684 |
| Retained earnings to average equity (ytd only) | 5.6640% | 2,766 |
| Net charge-offs to loans | 0.1508% | 545 |
| Credit loss provision to net charge-offs | 44.4444% | 1,844 |
| Earnings coverage of net charge-offs (x) | 10.7259% | 2,183 |
| Efficiency ratio | 83.2582% | 525 |
| Assets per employee ($millions) | 4.0330% | 4,273 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6792% | 824 |
| Loan loss allowance to noncurrent loans | 125.2442% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.4926% | 1,033 |
| Noncurrent loans to loans | 1.3407% | 510 |
| Net loans and leases to total assets | 36.1200% | 4,210 |
| Net loans and leases to deposits | 37.2487% | 4,317 |
| Net loans and leases to core deposits | 37.9561% | 4,332 |
| Total domestic deposits to total assets | 96.9800% | 50 |
| Equity capital to assets | 2.9473% | 4,609 |
| Core capital (leverage) ratio | 10.0244% | 2,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $276,289,400 | 2,569 |
| Average earning assets | $251,728,800 | 2,602 |
| Average equity | $13,347,400 | 3,541 |
| Average total loans | $89,498,400 | 3,295 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8434% | 4,137 |
| Cost of funding earning assets | 0.2015% | 3,255 |
| Net interest margin | 2.6419% | 4,042 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 2.5715% | 1,787 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.3667% | 4,296 |
| Return on assets (ROA) | 0.3667% | 4,244 |
| Pretax return on assets | 0.3667% | 4,307 |
| Return on Equity (ROE) | 6.9300% | 3,607 |
| Retained earnings to average equity (ytd only) | 3.4845% | 3,632 |
| Net charge-offs to loans | 0.2068% | 321 |
| Credit loss provision to net charge-offs | 33.3333% | 1,590 |
| Earnings coverage of net charge-offs (x) | 5.9926% | 2,127 |
| Efficiency ratio | 86.8818% | 422 |
| Assets per employee ($millions) | 4.1460% | 4,255 |
| Cash dividends to net income (ytd only)* | 49.7382% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8261% | 694 |
| Loan loss allowance to noncurrent loans | 121.2032% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 0.4907% | 1,112 |
| Noncurrent loans to loans | 1.5067% | 469 |
| Net loans and leases to total assets | 31.9700% | 4,375 |
| Net loans and leases to deposits | 32.5042% | 4,454 |
| Net loans and leases to core deposits | 33.1266% | 4,464 |
| Total domestic deposits to total assets | 98.3600% | 43 |
| Equity capital to assets | 1.5768% | 4,677 |
| Core capital (leverage) ratio | 9.7558% | 2,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $277,809,000 | 2,579 |
| Average earning assets | $253,446,000 | 2,613 |
| Average equity | $14,693,250 | 3,438 |
| Average total loans | $87,054,250 | 3,331 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6247% | 4,249 |
| Cost of funding earning assets | 0.2027% | 2,879 |
| Net interest margin | 2.4219% | 4,197 |
| Noninterest income to average assets | 0.6659% | 1,477 |
| Noninterest expense to average assets | 2.5556% | 1,764 |
| Loan and lease loss provision to assets | 0.0216% | 2,213 |
| Net operating income to assets | 0.2988% | 4,291 |
| Return on assets (ROA) | 0.2988% | 4,240 |
| Pretax return on assets | 0.2988% | 4,297 |
| Return on Equity (ROE) | 4.5778% | 3,894 |
| Retained earnings to average equity (ytd only) | 1.7098% | 3,824 |
| Net charge-offs to loans | 0.3026% | 230 |
| Credit loss provision to net charge-offs | 23.0769% | 1,592 |
| Earnings coverage of net charge-offs (x) | 3.4231% | 1,998 |
| Efficiency ratio | 88.8611% | 462 |
| Assets per employee ($millions) | 4.0083% | 4,368 |
| Cash dividends to net income (ytd only)* | 62.6506% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8904% | 676 |
| Loan loss allowance to noncurrent loans | 116.5366% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 0.5247% | 1,082 |
| Noncurrent loans to loans | 1.6221% | 447 |
| Net loans and leases to total assets | 31.7328% | 4,409 |
| Net loans and leases to deposits | 32.6878% | 4,481 |
| Net loans and leases to core deposits | 33.3479% | 4,496 |
| Total domestic deposits to total assets | 97.0784% | 43 |
| Equity capital to assets | 2.8568% | 4,697 |
| Core capital (leverage) ratio | 9.8032% | 2,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $277,817,667 | 2,597 |
| Average earning assets | $253,516,000 | 2,647 |
| Average equity | $18,131,000 | 3,225 |
| Average total loans | $85,917,667 | 3,380 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4791% | 4,292 |
| Cost of funding earning assets | 0.2016% | 2,775 |
| Net interest margin | 2.2775% | 4,268 |
| Noninterest income to average assets | 0.7718% | 1,110 |
| Noninterest expense to average assets | 2.6058% | 1,586 |
| Loan and lease loss provision to assets | 0.0212% | 1,971 |
| Net operating income to assets | 0.2252% | 4,291 |
| Return on assets (ROA) | 0.2252% | 4,256 |
| Pretax return on assets | 0.2252% | 4,297 |
| Return on Equity (ROE) | 2.7225% | 4,152 |
| Retained earnings to average equity (ytd only) | -0.0171% | 4,014 |
| Net charge-offs to loans | 0.5852% | 118 |
| Credit loss provision to net charge-offs | 12.0000% | 1,312 |
| Earnings coverage of net charge-offs (x) | 1.3920% | 1,740 |
| Efficiency ratio | 91.3605% | 490 |
| Assets per employee ($millions) | 4.4665% | 4,157 |
| Cash dividends to net income (ytd only)* | 100.6289% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9375% | 691 |
| Loan loss allowance to noncurrent loans | 139.7260% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.4151% | 1,460 |
| Noncurrent loans to loans | 1.3866% | 617 |
| Net loans and leases to total assets | 29.3547% | 4,466 |
| Net loans and leases to deposits | 31.4573% | 4,514 |
| Net loans and leases to core deposits | 32.2125% | 4,528 |
| Total domestic deposits to total assets | 93.3160% | 200 |
| Equity capital to assets | 6.5877% | 4,391 |
| Core capital (leverage) ratio | 9.4646% | 2,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $282,449,000 | 2,590 |
| Average earning assets | $258,000,000 | 2,620 |
| Average equity | $23,360,500 | 2,878 |
| Average total loans | $85,445,500 | 3,394 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9869% | 3,898 |
| Cost of funding earning assets | 0.2119% | 3,347 |
| Net interest margin | 2.7750% | 3,722 |
| Noninterest income to average assets | 0.3949% | 3,075 |
| Noninterest expense to average assets | 2.8105% | 1,337 |
| Loan and lease loss provision to assets | 0.0226% | 2,615 |
| Net operating income to assets | 0.0809% | 4,635 |
| Return on assets (ROA) | 0.3956% | 4,312 |
| Pretax return on assets | 0.3956% | 4,394 |
| Return on Equity (ROE) | 3.6069% | 4,275 |
| Retained earnings to average equity (ytd only) | 1.7194% | 4,063 |
| Net charge-offs to loans | 0.0305% | 1,627 |
| Credit loss provision to net charge-offs | 222.2222% | 1,244 |
| Earnings coverage of net charge-offs (x) | 10.1852% | 2,219 |
| Efficiency ratio | 96.4475% | 195 |
| Assets per employee ($millions) | 4.5001% | 4,115 |
| Cash dividends to net income (ytd only)* | 52.3311% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0102% | 595 |
| Loan loss allowance to noncurrent loans | 106.6095% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 0.5763% | 1,147 |
| Noncurrent loans to loans | 1.8856% | 426 |
| Net loans and leases to total assets | 29.9518% | 4,504 |
| Net loans and leases to deposits | 33.2907% | 4,549 |
| Net loans and leases to core deposits | 34.0743% | 4,555 |
| Total domestic deposits to total assets | 89.9703% | 976 |
| Equity capital to assets | 9.9411% | 2,707 |
| Core capital (leverage) ratio | 9.6326% | 2,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $265,647,200 | 2,632 |
| Average earning assets | $241,157,000 | 2,673 |
| Average equity | $29,138,800 | 2,591 |
| Average total loans | $88,458,000 | 3,358 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0390% | 3,933 |
| Cost of funding earning assets | 0.2141% | 3,474 |
| Net interest margin | 2.8249% | 3,723 |
| Noninterest income to average assets | 0.4227% | 2,965 |
| Noninterest expense to average assets | 2.9409% | 1,057 |
| Loan and lease loss provision to assets | 0.0230% | 2,532 |
| Net operating income to assets | 0.0184% | 4,735 |
| Return on assets (ROA) | 0.3808% | 4,433 |
| Pretax return on assets | 0.3808% | 4,514 |
| Return on Equity (ROE) | 3.3857% | 4,405 |
| Retained earnings to average equity (ytd only) | 1.7065% | 4,267 |
| Net charge-offs to loans | 0.0405% | 1,282 |
| Credit loss provision to net charge-offs | 166.6667% | 1,292 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,330 |
| Efficiency ratio | 98.6135% | 169 |
| Assets per employee ($millions) | 4.2951% | 4,269 |
| Cash dividends to net income (ytd only)* | 49.5979% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9624% | 682 |
| Loan loss allowance to noncurrent loans | 125.2357% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 0.5728% | 1,346 |
| Noncurrent loans to loans | 1.5670% | 658 |
| Net loans and leases to total assets | 31.8851% | 4,541 |
| Net loans and leases to deposits | 35.7497% | 4,582 |
| Net loans and leases to core deposits | 36.6395% | 4,600 |
| Total domestic deposits to total assets | 89.1899% | 1,173 |
| Equity capital to assets | 10.7277% | 2,238 |
| Core capital (leverage) ratio | 9.7153% | 2,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $261,181,750 | 2,684 |
| Average earning assets | $236,651,000 | 2,721 |
| Average equity | $29,377,500 | 2,609 |
| Average total loans | $88,908,000 | 3,394 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0786% | 3,909 |
| Cost of funding earning assets | 0.2143% | 3,611 |
| Net interest margin | 2.8643% | 3,649 |
| Noninterest income to average assets | 0.4511% | 2,835 |
| Noninterest expense to average assets | 3.1770% | 747 |
| Loan and lease loss provision to assets | 0.0233% | 2,509 |
| Net operating income to assets | -0.1597% | 4,822 |
| Return on assets (ROA) | 0.3906% | 4,443 |
| Pretax return on assets | 0.3906% | 4,510 |
| Return on Equity (ROE) | 3.4176% | 4,416 |
| Retained earnings to average equity (ytd only) | 1.8919% | 4,141 |
| Net charge-offs to loans | 0.0628% | 987 |
| Credit loss provision to net charge-offs | 107.1429% | 1,325 |
| Earnings coverage of net charge-offs (x) | -6.2857% | 2,226 |
| Efficiency ratio | 104.4864% | 128 |
| Assets per employee ($millions) | 4.2943% | 4,260 |
| Cash dividends to net income (ytd only)* | 44.6429% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9180% | 708 |
| Loan loss allowance to noncurrent loans | 132.1236% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.6402% | 1,298 |
| Noncurrent loans to loans | 1.4516% | 793 |
| Net loans and leases to total assets | 32.3416% | 4,577 |
| Net loans and leases to deposits | 36.3121% | 4,622 |
| Net loans and leases to core deposits | 37.2253% | 4,644 |
| Total domestic deposits to total assets | 89.0657% | 1,252 |
| Equity capital to assets | 10.8622% | 2,098 |
| Core capital (leverage) ratio | 9.9806% | 2,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $258,045,667 | 2,698 |
| Average earning assets | $233,289,333 | 2,736 |
| Average equity | $29,494,000 | 2,601 |
| Average total loans | $89,209,000 | 3,413 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0583% | 3,968 |
| Cost of funding earning assets | 0.2167% | 3,761 |
| Net interest margin | 2.8416% | 3,662 |
| Noninterest income to average assets | 0.5671% | 2,341 |
| Noninterest expense to average assets | 2.7514% | 1,487 |
| Loan and lease loss provision to assets | 0.0238% | 2,472 |
| Net operating income to assets | 0.3543% | 4,441 |
| Return on assets (ROA) | 0.3543% | 4,470 |
| Pretax return on assets | 0.3543% | 4,547 |
| Return on Equity (ROE) | 3.0189% | 4,470 |
| Retained earnings to average equity (ytd only) | 1.5974% | 4,100 |
| Net charge-offs to loans | 0.0045% | 1,753 |
| Credit loss provision to net charge-offs | 1,500.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 238.0000% | 354 |
| Efficiency ratio | 87.9188% | 449 |
| Assets per employee ($millions) | 4.0657% | 4,440 |
| Cash dividends to net income (ytd only)* | 47.0852% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9478% | 670 |
| Loan loss allowance to noncurrent loans | 174.9239% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.5653% | 1,673 |
| Noncurrent loans to loans | 1.1135% | 1,203 |
| Net loans and leases to total assets | 33.8627% | 4,578 |
| Net loans and leases to deposits | 38.1162% | 4,621 |
| Net loans and leases to core deposits | 39.1317% | 4,644 |
| Total domestic deposits to total assets | 88.8407% | 1,419 |
| Equity capital to assets | 11.0617% | 1,814 |
| Core capital (leverage) ratio | 10.5133% | 2,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,797,000 | 2,720 |
| Average earning assets | $227,054,500 | 2,769 |
| Average equity | $29,547,500 | 2,581 |
| Average total loans | $89,209,000 | 3,423 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7194% | 3,529 |
| Cost of funding earning assets | 0.2170% | 4,523 |
| Net interest margin | 3.5024% | 2,471 |
| Noninterest income to average assets | 0.3492% | 3,371 |
| Noninterest expense to average assets | 2.9228% | 1,625 |
| Loan and lease loss provision to assets | 0.0264% | 4,069 |
| Net operating income to assets | 0.5262% | 3,971 |
| Return on assets (ROA) | 0.5271% | 4,059 |
| Pretax return on assets | 0.5271% | 4,221 |
| Return on Equity (ROE) | 4.0857% | 4,139 |
| Retained earnings to average equity (ytd only) | 2.0429% | 3,807 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1001% | 626 |
| Assets per employee ($millions) | 3.8665% | 4,462 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8997% | 722 |
| Loan loss allowance to noncurrent loans | 97.1575% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.8939% | 1,113 |
| Noncurrent loans to loans | 1.9553% | 602 |
| Net loans and leases to total assets | 35.6632% | 4,600 |
| Net loans and leases to deposits | 40.7628% | 4,640 |
| Net loans and leases to core deposits | 41.6098% | 4,660 |
| Total domestic deposits to total assets | 87.4895% | 1,711 |
| Equity capital to assets | 12.4313% | 1,353 |
| Core capital (leverage) ratio | 10.6996% | 2,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $227,657,800 | 2,740 |
| Average earning assets | $203,202,800 | 2,801 |
| Average equity | $29,370,600 | 2,514 |
| Average total loans | $94,662,200 | 3,323 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9010% | 3,251 |
| Cost of funding earning assets | 0.2177% | 4,614 |
| Net interest margin | 3.6833% | 2,001 |
| Noninterest income to average assets | 0.3682% | 3,251 |
| Noninterest expense to average assets | 2.9910% | 1,461 |
| Loan and lease loss provision to assets | 0.0269% | 3,995 |
| Net operating income to assets | 0.6316% | 3,691 |
| Return on assets (ROA) | 0.6328% | 3,774 |
| Pretax return on assets | 0.6328% | 4,043 |
| Return on Equity (ROE) | 4.8558% | 3,932 |
| Retained earnings to average equity (ytd only) | 2.4670% | 3,757 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9554% | 733 |
| Assets per employee ($millions) | 3.7120% | 4,550 |
| Cash dividends to net income (ytd only)* | 49.1958% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7597% | 791 |
| Loan loss allowance to noncurrent loans | 126.9865% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.7589% | 1,526 |
| Noncurrent loans to loans | 1.3858% | 1,051 |
| Net loans and leases to total assets | 39.1948% | 4,587 |
| Net loans and leases to deposits | 45.0181% | 4,633 |
| Net loans and leases to core deposits | 45.7603% | 4,667 |
| Total domestic deposits to total assets | 87.0645% | 1,640 |
| Equity capital to assets | 12.8497% | 1,246 |
| Core capital (leverage) ratio | 10.8627% | 1,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $222,708,000 | 2,756 |
| Average earning assets | $198,405,250 | 2,822 |
| Average equity | $29,022,750 | 2,528 |
| Average total loans | $95,837,750 | 3,308 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1483% | 2,912 |
| Cost of funding earning assets | 0.2195% | 4,708 |
| Net interest margin | 3.9288% | 1,503 |
| Noninterest income to average assets | 0.4138% | 2,997 |
| Noninterest expense to average assets | 3.0797% | 1,403 |
| Loan and lease loss provision to assets | 0.0277% | 3,906 |
| Net operating income to assets | 0.7953% | 3,059 |
| Return on assets (ROA) | 0.7972% | 3,169 |
| Pretax return on assets | 0.7972% | 3,593 |
| Return on Equity (ROE) | 6.0855% | 3,474 |
| Retained earnings to average equity (ytd only) | 3.4059% | 3,224 |
| Net charge-offs to loans | 0.0063% | 2,741 |
| Credit loss provision to net charge-offs | 1,000.0000% | 787 |
| Earnings coverage of net charge-offs (x) | 297.0000% | 322 |
| Efficiency ratio | 78.9112% | 969 |
| Assets per employee ($millions) | 3.5338% | 4,643 |
| Cash dividends to net income (ytd only)* | 44.0324% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7542% | 725 |
| Loan loss allowance to noncurrent loans | 101.6374% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 1.0470% | 1,122 |
| Noncurrent loans to loans | 1.7259% | 834 |
| Net loans and leases to total assets | 40.2470% | 4,596 |
| Net loans and leases to deposits | 46.3054% | 4,647 |
| Net loans and leases to core deposits | 47.2301% | 4,682 |
| Total domestic deposits to total assets | 86.9163% | 1,655 |
| Equity capital to assets | 13.0116% | 1,158 |
| Core capital (leverage) ratio | 11.6142% | 1,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,516,667 | 2,781 |
| Average earning assets | $192,270,333 | 2,855 |
| Average equity | $28,362,333 | 2,561 |
| Average total loans | $95,695,667 | 3,306 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9185% | 3,999 |
| Cost of funding earning assets | 0.2241% | 4,829 |
| Net interest margin | 3.6944% | 2,343 |
| Noninterest income to average assets | 0.3709% | 3,290 |
| Noninterest expense to average assets | 3.3417% | 1,152 |
| Loan and lease loss provision to assets | 0.0288% | 3,424 |
| Net operating income to assets | 0.2633% | 4,427 |
| Return on assets (ROA) | 0.2671% | 4,441 |
| Pretax return on assets | 0.2671% | 4,498 |
| Return on Equity (ROE) | 2.0314% | 4,439 |
| Retained earnings to average equity (ytd only) | 0.1315% | 3,962 |
| Net charge-offs to loans | 0.0084% | 2,262 |
| Credit loss provision to net charge-offs | 750.0000% | 687 |
| Earnings coverage of net charge-offs (x) | 76.0000% | 690 |
| Efficiency ratio | 91.9619% | 433 |
| Assets per employee ($millions) | 3.1892% | 4,696 |
| Cash dividends to net income (ytd only)* | 93.5252% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7398% | 807 |
| Loan loss allowance to noncurrent loans | 49.1861% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 2.0106% | 414 |
| Noncurrent loans to loans | 3.5371% | 265 |
| Net loans and leases to total assets | 44.5954% | 4,486 |
| Net loans and leases to deposits | 51.4873% | 4,540 |
| Net loans and leases to core deposits | 52.6313% | 4,613 |
| Total domestic deposits to total assets | 86.6144% | 1,730 |
| Equity capital to assets | 13.2867% | 1,310 |
| Core capital (leverage) ratio | 12.3962% | 1,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $208,160,000 | 2,808 |
| Average earning assets | $183,845,000 | 2,884 |
| Average equity | $27,370,000 | 2,615 |
| Average total loans | $95,771,500 | 3,284 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1124% | 4,015 |
| Cost of funding earning assets | 0.2303% | 4,898 |
| Net interest margin | 3.8821% | 2,234 |
| Noninterest income to average assets | 0.3658% | 3,509 |
| Noninterest expense to average assets | 3.1267% | 1,699 |
| Loan and lease loss provision to assets | 0.0285% | 3,444 |
| Net operating income to assets | 0.6431% | 4,029 |
| Return on assets (ROA) | 0.6431% | 4,100 |
| Pretax return on assets | 0.6431% | 4,342 |
| Return on Equity (ROE) | 5.2956% | 4,130 |
| Retained earnings to average equity (ytd only) | 2.5538% | 3,753 |
| Net charge-offs to loans | 0.0822% | 1,942 |
| Credit loss provision to net charge-offs | 76.9231% | 2,833 |
| Earnings coverage of net charge-offs (x) | 18.1026% | 2,076 |
| Efficiency ratio | 82.3168% | 781 |
| Assets per employee ($millions) | 3.1187% | 4,758 |
| Cash dividends to net income (ytd only)* | 51.7751% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7175% | 765 |
| Loan loss allowance to noncurrent loans | 56.7447% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 1.8287% | 470 |
| Noncurrent loans to loans | 3.0267% | 307 |
| Net loans and leases to total assets | 45.8452% | 4,528 |
| Net loans and leases to deposits | 52.7559% | 4,577 |
| Net loans and leases to core deposits | 53.9812% | 4,649 |
| Total domestic deposits to total assets | 86.9005% | 1,658 |
| Equity capital to assets | 13.0072% | 1,517 |
| Core capital (leverage) ratio | 12.1496% | 1,683 |
| Tier 1 risk-based capital ratio | 25.8238% | 692 |
| Total risk-based capital ratio | 27.0793% | 673 |
| Memoranda: | ||
| Average total assets | $210,223,400 | 2,757 |
| Average earning assets | $185,879,000 | 2,833 |
| Average equity | $25,530,800 | 2,680 |
| Average total loans | $94,839,000 | 3,296 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1045% | 4,143 |
| Cost of funding earning assets | 0.2298% | 4,973 |
| Net interest margin | 3.8748% | 2,349 |
| Noninterest income to average assets | 0.3653% | 3,529 |
| Noninterest expense to average assets | 3.0954% | 1,724 |
| Loan and lease loss provision to assets | 0.0284% | 3,339 |
| Net operating income to assets | 0.6675% | 4,113 |
| Return on assets (ROA) | 0.6675% | 4,173 |
| Pretax return on assets | 0.6675% | 4,416 |
| Return on Equity (ROE) | 5.5932% | 4,168 |
| Retained earnings to average equity (ytd only) | 2.9499% | 3,907 |
| Net charge-offs to loans | 0.1100% | 1,367 |
| Credit loss provision to net charge-offs | 57.6923% | 2,728 |
| Earnings coverage of net charge-offs (x) | 14.1407% | 2,257 |
| Efficiency ratio | 81.6442% | 785 |
| Assets per employee ($millions) | 3.3356% | 4,641 |
| Cash dividends to net income (ytd only)* | 47.2590% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6950% | 834 |
| Loan loss allowance to noncurrent loans | 50.2460% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 1.9344% | 469 |
| Noncurrent loans to loans | 3.3733% | 256 |
| Net loans and leases to total assets | 45.0980% | 4,650 |
| Net loans and leases to deposits | 51.6799% | 4,720 |
| Net loans and leases to core deposits | 53.0425% | 4,774 |
| Total domestic deposits to total assets | 87.2642% | 1,397 |
| Equity capital to assets | 12.6520% | 1,813 |
| Core capital (leverage) ratio | 11.9222% | 1,906 |
| Tier 1 risk-based capital ratio | 25.4912% | 737 |
| Total risk-based capital ratio | 26.7461% | 724 |
| Memoranda: | ||
| Average total assets | $211,321,250 | 2,760 |
| Average earning assets | $186,845,250 | 2,848 |
| Average equity | $25,220,250 | 2,715 |
| Average total loans | $94,545,500 | 3,344 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0718% | 4,226 |
| Cost of funding earning assets | 0.2306% | 5,009 |
| Net interest margin | 3.8412% | 2,431 |
| Noninterest income to average assets | 0.3524% | 3,581 |
| Noninterest expense to average assets | 3.1108% | 1,701 |
| Loan and lease loss provision to assets | 0.0283% | 3,257 |
| Net operating income to assets | 0.6121% | 4,280 |
| Return on assets (ROA) | 0.6121% | 4,313 |
| Pretax return on assets | 0.6121% | 4,522 |
| Return on Equity (ROE) | 5.2333% | 4,282 |
| Retained earnings to average equity (ytd only) | 2.8912% | 3,772 |
| Net charge-offs to loans | 0.1597% | 996 |
| Credit loss provision to net charge-offs | 40.0000% | 2,532 |
| Earnings coverage of net charge-offs (x) | 9.0400% | 2,364 |
| Efficiency ratio | 82.9262% | 738 |
| Assets per employee ($millions) | 3.2993% | 4,697 |
| Cash dividends to net income (ytd only)* | 44.7531% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7030% | 810 |
| Loan loss allowance to noncurrent loans | 51.0223% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 1.8915% | 516 |
| Noncurrent loans to loans | 3.3378% | 271 |
| Net loans and leases to total assets | 44.3367% | 4,708 |
| Net loans and leases to deposits | 50.6857% | 4,781 |
| Net loans and leases to core deposits | 52.0114% | 4,819 |
| Total domestic deposits to total assets | 87.4738% | 1,351 |
| Equity capital to assets | 12.4438% | 1,892 |
| Core capital (leverage) ratio | 11.9781% | 1,845 |
| Tier 1 risk-based capital ratio | 26.0861% | 683 |
| Total risk-based capital ratio | 27.3421% | 669 |
| Memoranda: | ||
| Average total assets | $211,715,000 | 2,761 |
| Average earning assets | $187,336,330 | 2,853 |
| Average equity | $24,764,670 | 2,745 |
| Average total loans | $93,926,330 | 3,377 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0120% | 4,344 |
| Cost of funding earning assets | 0.2324% | 5,033 |
| Net interest margin | 3.7796% | 2,601 |
| Noninterest income to average assets | 0.3434% | 3,567 |
| Noninterest expense to average assets | 3.2567% | 1,373 |
| Loan and lease loss provision to assets | 0.0283% | 3,046 |
| Net operating income to assets | 0.4038% | 4,725 |
| Return on assets (ROA) | 0.4038% | 4,737 |
| Pretax return on assets | 0.4038% | 4,835 |
| Return on Equity (ROE) | 3.5653% | 4,667 |
| Retained earnings to average equity (ytd only) | 1.2329% | 4,267 |
| Net charge-offs to loans | 0.1587% | 845 |
| Credit loss provision to net charge-offs | 40.5405% | 2,028 |
| Earnings coverage of net charge-offs (x) | 6.1892% | 2,209 |
| Efficiency ratio | 88.2864% | 466 |
| Assets per employee ($millions) | 3.2714% | 4,763 |
| Cash dividends to net income (ytd only)* | 65.4206% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7827% | 733 |
| Loan loss allowance to noncurrent loans | 52.1560% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 1.9120% | 534 |
| Noncurrent loans to loans | 3.4180% | 269 |
| Net loans and leases to total assets | 43.2881% | 4,772 |
| Net loans and leases to deposits | 49.0382% | 4,849 |
| Net loans and leases to core deposits | 50.7154% | 4,868 |
| Total domestic deposits to total assets | 88.2742% | 1,206 |
| Equity capital to assets | 11.6188% | 2,299 |
| Core capital (leverage) ratio | 11.7672% | 1,928 |
| Tier 1 risk-based capital ratio | 26.6868% | 642 |
| Total risk-based capital ratio | 27.9435% | 630 |
| Memoranda: | ||
| Average total assets | $211,994,000 | 2,794 |
| Average earning assets | $187,637,000 | 2,877 |
| Average equity | $24,009,000 | 2,804 |
| Average total loans | $93,268,500 | 3,421 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8675% | 4,345 |
| Cost of funding earning assets | 0.2365% | 4,869 |
| Net interest margin | 3.6310% | 3,278 |
| Noninterest income to average assets | 0.3539% | 3,733 |
| Noninterest expense to average assets | 3.0461% | 1,946 |
| Loan and lease loss provision to assets | 0.0282% | 3,607 |
| Net operating income to assets | 0.4946% | 4,671 |
| Return on assets (ROA) | 0.4946% | 4,678 |
| Pretax return on assets | 0.4946% | 4,806 |
| Return on Equity (ROE) | 4.5278% | 4,582 |
| Retained earnings to average equity (ytd only) | 2.1584% | 4,290 |
| Net charge-offs to loans | 0.0323% | 2,757 |
| Credit loss provision to net charge-offs | 193.5484% | 1,483 |
| Earnings coverage of net charge-offs (x) | 35.8387% | 1,421 |
| Efficiency ratio | 85.3507% | 563 |
| Assets per employee ($millions) | 3.3535% | 4,701 |
| Cash dividends to net income (ytd only)* | 52.3311% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7685% | 725 |
| Loan loss allowance to noncurrent loans | 48.4875% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 1.8638% | 537 |
| Noncurrent loans to loans | 3.6473% | 231 |
| Net loans and leases to total assets | 43.1430% | 4,841 |
| Net loans and leases to deposits | 48.5477% | 4,924 |
| Net loans and leases to core deposits | 50.1544% | 4,939 |
| Total domestic deposits to total assets | 88.8674% | 915 |
| Equity capital to assets | 11.0390% | 2,647 |
| Core capital (leverage) ratio | 11.6436% | 1,996 |
| Tier 1 risk-based capital ratio | 25.8581% | 681 |
| Total risk-based capital ratio | 27.1149% | 663 |
| Memoranda: | ||
| Average total assets | $212,503,800 | 2,751 |
| Average earning assets | $188,157,600 | 2,847 |
| Average equity | $23,212,000 | 2,796 |
| Average total loans | $96,025,800 | 3,369 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8515% | 4,317 |
| Cost of funding earning assets | 0.2382% | 4,853 |
| Net interest margin | 3.6133% | 3,322 |
| Noninterest income to average assets | 0.3648% | 3,687 |
| Noninterest expense to average assets | 3.0569% | 1,868 |
| Loan and lease loss provision to assets | 0.0283% | 3,442 |
| Net operating income to assets | 0.4761% | 4,811 |
| Return on assets (ROA) | 0.4761% | 4,812 |
| Pretax return on assets | 0.4761% | 4,931 |
| Return on Equity (ROE) | 4.3708% | 4,726 |
| Retained earnings to average equity (ytd only) | 2.0613% | 4,563 |
| Net charge-offs to loans | 0.0415% | 2,254 |
| Credit loss provision to net charge-offs | 150.0000% | 1,705 |
| Earnings coverage of net charge-offs (x) | 26.7328% | 1,734 |
| Efficiency ratio | 85.8354% | 529 |
| Assets per employee ($millions) | 3.3209% | 4,755 |
| Cash dividends to net income (ytd only)* | 52.8401% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6995% | 869 |
| Loan loss allowance to noncurrent loans | 50.6279% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 1.8148% | 633 |
| Noncurrent loans to loans | 3.3569% | 298 |
| Net loans and leases to total assets | 44.9851% | 4,841 |
| Net loans and leases to deposits | 50.4951% | 4,940 |
| Net loans and leases to core deposits | 52.1007% | 4,971 |
| Total domestic deposits to total assets | 89.0879% | 819 |
| Equity capital to assets | 10.8382% | 2,812 |
| Core capital (leverage) ratio | 11.5842% | 2,107 |
| Tier 1 risk-based capital ratio | 24.8165% | 772 |
| Total risk-based capital ratio | 26.0719% | 749 |
| Memoranda: | ||
| Average total assets | $211,974,500 | 2,776 |
| Average earning assets | $187,524,750 | 2,875 |
| Average equity | $23,092,000 | 2,820 |
| Average total loans | $96,467,000 | 3,396 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7937% | 4,360 |
| Cost of funding earning assets | 0.2381% | 4,811 |
| Net interest margin | 3.5556% | 3,449 |
| Noninterest income to average assets | 0.3551% | 3,791 |
| Noninterest expense to average assets | 3.0937% | 1,805 |
| Loan and lease loss provision to assets | 0.0283% | 3,346 |
| Net operating income to assets | 0.3777% | 5,004 |
| Return on assets (ROA) | 0.3777% | 5,006 |
| Pretax return on assets | 0.3777% | 5,073 |
| Return on Equity (ROE) | 3.4616% | 4,935 |
| Retained earnings to average equity (ytd only) | 1.2981% | 4,688 |
| Net charge-offs to loans | 0.0603% | 1,744 |
| Credit loss provision to net charge-offs | 103.4483% | 1,968 |
| Earnings coverage of net charge-offs (x) | 14.8276% | 2,078 |
| Efficiency ratio | 88.3972% | 441 |
| Assets per employee ($millions) | 3.3094% | 4,807 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6673% | 964 |
| Loan loss allowance to noncurrent loans | 53.7377% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 1.7120% | 714 |
| Noncurrent loans to loans | 3.1027% | 352 |
| Net loans and leases to total assets | 45.6375% | 4,843 |
| Net loans and leases to deposits | 51.2212% | 4,939 |
| Net loans and leases to core deposits | 52.9347% | 4,962 |
| Total domestic deposits to total assets | 89.0989% | 895 |
| Equity capital to assets | 10.8213% | 2,816 |
| Core capital (leverage) ratio | 11.6630% | 1,931 |
| Tier 1 risk-based capital ratio | 24.4594% | 796 |
| Total risk-based capital ratio | 25.7142% | 771 |
| Memoranda: | ||
| Average total assets | $211,787,670 | 2,794 |
| Average earning assets | $187,310,330 | 2,886 |
| Average equity | $23,111,000 | 2,837 |
| Average total loans | $96,202,000 | 3,407 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7311% | 4,403 |
| Cost of funding earning assets | 0.2373% | 4,783 |
| Net interest margin | 3.4938% | 3,558 |
| Noninterest income to average assets | 0.3286% | 3,955 |
| Noninterest expense to average assets | 3.2241% | 1,522 |
| Loan and lease loss provision to assets | 0.0283% | 3,143 |
| Net operating income to assets | 0.1624% | 5,280 |
| Return on assets (ROA) | 0.1624% | 5,276 |
| Pretax return on assets | 0.1624% | 5,295 |
| Return on Equity (ROE) | 1.4823% | 5,257 |
| Retained earnings to average equity (ytd only) | -0.6722% | 4,878 |
| Net charge-offs to loans | 0.0336% | 1,836 |
| Credit loss provision to net charge-offs | 187.5000% | 1,083 |
| Earnings coverage of net charge-offs (x) | 12.6250% | 1,793 |
| Efficiency ratio | 94.4137% | 287 |
| Assets per employee ($millions) | 3.2185% | 4,979 |
| Cash dividends to net income (ytd only)* | 145.3488% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7285% | 897 |
| Loan loss allowance to noncurrent loans | 55.0904% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 1.7471% | 716 |
| Noncurrent loans to loans | 3.1376% | 367 |
| Net loans and leases to total assets | 44.7047% | 4,863 |
| Net loans and leases to deposits | 50.2731% | 4,949 |
| Net loans and leases to core deposits | 51.8808% | 4,983 |
| Total domestic deposits to total assets | 88.9237% | 1,132 |
| Equity capital to assets | 10.9764% | 2,607 |
| Core capital (leverage) ratio | 11.5627% | 1,965 |
| Tier 1 risk-based capital ratio | 24.6604% | 774 |
| Total risk-based capital ratio | 25.9161% | 761 |
| Memoranda: | ||
| Average total assets | $211,779,500 | 2,827 |
| Average earning assets | $187,074,500 | 2,920 |
| Average equity | $23,206,500 | 2,842 |
| Average total loans | $95,152,500 | 3,445 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6100% | 4,555 |
| Cost of funding earning assets | 0.2497% | 4,567 |
| Net interest margin | 3.3603% | 3,972 |
| Noninterest income to average assets | 0.3783% | 3,771 |
| Noninterest expense to average assets | 2.8767% | 2,533 |
| Loan and lease loss provision to assets | 0.0070% | 4,124 |
| Net operating income to assets | 0.4770% | 4,436 |
| Return on assets (ROA) | 0.4770% | 4,473 |
| Pretax return on assets | 0.4770% | 4,960 |
| Return on Equity (ROE) | 4.3879% | 4,384 |
| Retained earnings to average equity (ytd only) | 2.0649% | 4,082 |
| Net charge-offs to loans | 0.0300% | 3,201 |
| Credit loss provision to net charge-offs | 53.5714% | 3,290 |
| Earnings coverage of net charge-offs (x) | 36.9643% | 1,324 |
| Efficiency ratio | 85.5990% | 665 |
| Assets per employee ($millions) | 3.2978% | 4,939 |
| Cash dividends to net income (ytd only)* | 52.9412% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7217% | 902 |
| Loan loss allowance to noncurrent loans | 50.3071% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 1.8283% | 667 |
| Noncurrent loans to loans | 3.4225% | 301 |
| Net loans and leases to total assets | 43.6183% | 4,996 |
| Net loans and leases to deposits | 49.0304% | 5,094 |
| Net loans and leases to core deposits | 50.6322% | 5,115 |
| Total domestic deposits to total assets | 88.9618% | 1,018 |
| Equity capital to assets | 10.9398% | 2,689 |
| Core capital (leverage) ratio | 11.2195% | 2,145 |
| Tier 1 risk-based capital ratio | 24.7569% | 744 |
| Total risk-based capital ratio | 26.0125% | 727 |
| Memoranda: | ||
| Average total assets | $213,856,000 | 2,780 |
| Average earning assets | $189,805,000 | 2,866 |
| Average equity | $23,245,600 | 2,832 |
| Average total loans | $93,484,000 | 3,461 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5961% | 4,573 |
| Cost of funding earning assets | 0.2508% | 4,560 |
| Net interest margin | 3.3454% | 4,029 |
| Noninterest income to average assets | 0.3880% | 3,768 |
| Noninterest expense to average assets | 2.8683% | 2,513 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4903% | 4,758 |
| Return on assets (ROA) | 0.4903% | 4,793 |
| Pretax return on assets | 0.4903% | 5,047 |
| Return on Equity (ROE) | 4.5182% | 4,706 |
| Retained earnings to average equity (ytd only) | 2.1326% | 4,584 |
| Net charge-offs to loans | 0.0014% | 3,730 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 787.9474% | 135 |
| Efficiency ratio | 85.4012% | 659 |
| Assets per employee ($millions) | 3.4603% | 4,786 |
| Cash dividends to net income (ytd only)* | 52.7992% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7713% | 903 |
| Loan loss allowance to noncurrent loans | 58.9496% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 1.6321% | 898 |
| Noncurrent loans to loans | 3.0047% | 431 |
| Net loans and leases to total assets | 41.9747% | 5,115 |
| Net loans and leases to deposits | 47.1143% | 5,223 |
| Net loans and leases to core deposits | 48.6907% | 5,244 |
| Total domestic deposits to total assets | 89.0912% | 835 |
| Equity capital to assets | 10.8189% | 3,047 |
| Core capital (leverage) ratio | 11.2199% | 2,248 |
| Tier 1 risk-based capital ratio | 24.8242% | 775 |
| Total risk-based capital ratio | 26.0796% | 757 |
| Memoranda: | ||
| Average total assets | $213,731,250 | 2,802 |
| Average earning assets | $189,790,750 | 2,894 |
| Average equity | $23,194,500 | 2,861 |
| Average total loans | $93,071,000 | 3,498 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5959% | 4,523 |
| Cost of funding earning assets | 0.2529% | 4,517 |
| Net interest margin | 3.3430% | 3,974 |
| Noninterest income to average assets | 0.3806% | 3,827 |
| Noninterest expense to average assets | 2.8619% | 2,535 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4946% | 4,721 |
| Return on assets (ROA) | 0.4946% | 4,758 |
| Pretax return on assets | 0.4946% | 5,014 |
| Return on Equity (ROE) | 4.5525% | 4,644 |
| Retained earnings to average equity (ytd only) | 2.2546% | 4,326 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2652% | 743 |
| Assets per employee ($millions) | 3.3817% | 4,887 |
| Cash dividends to net income (ytd only)* | 50.4762% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7736% | 936 |
| Loan loss allowance to noncurrent loans | 57.1280% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 1.8949% | 702 |
| Noncurrent loans to loans | 3.1046% | 404 |
| Net loans and leases to total assets | 42.9178% | 5,102 |
| Net loans and leases to deposits | 48.2884% | 5,204 |
| Net loans and leases to core deposits | 50.0153% | 5,223 |
| Total domestic deposits to total assets | 88.8781% | 1,019 |
| Equity capital to assets | 11.0388% | 2,766 |
| Core capital (leverage) ratio | 11.3270% | 2,103 |
| Tier 1 risk-based capital ratio | 25.1789% | 728 |
| Total risk-based capital ratio | 26.4350% | 718 |
| Memoranda: | ||
| Average total assets | $212,309,000 | 2,833 |
| Average earning assets | $188,993,330 | 2,920 |
| Average equity | $23,064,330 | 2,876 |
| Average total loans | $93,043,330 | 3,511 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6723% | 4,195 |
| Cost of funding earning assets | 0.2540% | 4,504 |
| Net interest margin | 3.4183% | 3,583 |
| Noninterest income to average assets | 0.3661% | 3,912 |
| Noninterest expense to average assets | 2.9197% | 2,398 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4945% | 4,624 |
| Return on assets (ROA) | 0.4945% | 4,645 |
| Pretax return on assets | 0.4945% | 4,981 |
| Return on Equity (ROE) | 4.5889% | 4,569 |
| Retained earnings to average equity (ytd only) | 2.5747% | 4,105 |
| Net charge-offs to loans | -0.0086% | 4,359 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5169% | 843 |
| Assets per employee ($millions) | 3.3335% | 5,013 |
| Cash dividends to net income (ytd only)* | 43.8931% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7881% | 976 |
| Loan loss allowance to noncurrent loans | 57.4957% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 1.8566% | 752 |
| Noncurrent loans to loans | 3.1099% | 431 |
| Net loans and leases to total assets | 42.5572% | 5,130 |
| Net loans and leases to deposits | 47.7373% | 5,234 |
| Net loans and leases to core deposits | 49.8970% | 5,224 |
| Total domestic deposits to total assets | 89.1486% | 1,079 |
| Equity capital to assets | 10.7708% | 2,891 |
| Core capital (leverage) ratio | 11.2552% | 2,143 |
| Tier 1 risk-based capital ratio | 25.5187% | 730 |
| Total risk-based capital ratio | 26.7754% | 709 |
| Memoranda: | ||
| Average total assets | $211,939,000 | 2,870 |
| Average earning assets | $188,982,500 | 2,950 |
| Average equity | $22,837,500 | 2,913 |
| Average total loans | $93,021,500 | 3,536 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3094% | 5,143 |
| Cost of funding earning assets | 0.2577% | 4,492 |
| Net interest margin | 3.0518% | 4,846 |
| Noninterest income to average assets | 0.3493% | 4,235 |
| Noninterest expense to average assets | 2.9254% | 2,587 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2008% | 5,415 |
| Return on assets (ROA) | 0.2008% | 5,470 |
| Pretax return on assets | 0.2008% | 5,495 |
| Return on Equity (ROE) | 1.7777% | 5,441 |
| Retained earnings to average equity (ytd only) | 0.3955% | 5,162 |
| Net charge-offs to loans | 0.0512% | 3,016 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 8.8936% | 2,822 |
| Efficiency ratio | 93.5761% | 397 |
| Assets per employee ($millions) | 3.2896% | 5,059 |
| Cash dividends to net income (ytd only)* | 77.7512% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7640% | 1,012 |
| Loan loss allowance to noncurrent loans | 55.6454% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 1.9094% | 748 |
| Noncurrent loans to loans | 3.1700% | 409 |
| Net loans and leases to total assets | 43.6727% | 5,131 |
| Net loans and leases to deposits | 49.0041% | 5,249 |
| Net loans and leases to core deposits | 51.3286% | 5,254 |
| Total domestic deposits to total assets | 89.1204% | 1,052 |
| Equity capital to assets | 10.7803% | 2,835 |
| Core capital (leverage) ratio | 11.0795% | 2,276 |
| Tier 1 risk-based capital ratio | 25.1933% | 755 |
| Total risk-based capital ratio | 26.4502% | 740 |
| Memoranda: | ||
| Average total assets | $208,146,000 | 2,873 |
| Average earning assets | $189,398,800 | 2,898 |
| Average equity | $23,513,400 | 2,846 |
| Average total loans | $91,724,400 | 3,543 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2844% | 5,236 |
| Cost of funding earning assets | 0.2558% | 4,553 |
| Net interest margin | 3.0286% | 4,957 |
| Noninterest income to average assets | 0.3649% | 4,169 |
| Noninterest expense to average assets | 2.9730% | 2,389 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1606% | 5,534 |
| Return on assets (ROA) | 0.1606% | 5,592 |
| Pretax return on assets | 0.1606% | 5,610 |
| Return on Equity (ROE) | 1.4054% | 5,578 |
| Retained earnings to average equity (ytd only) | 0.0843% | 5,314 |
| Net charge-offs to loans | 0.0643% | 2,429 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 5.6814% | 3,097 |
| Efficiency ratio | 94.8749% | 354 |
| Assets per employee ($millions) | 3.4161% | 4,888 |
| Cash dividends to net income (ytd only)* | 93.9999% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7978% | 1,017 |
| Loan loss allowance to noncurrent loans | 61.1686% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 1.8079% | 905 |
| Noncurrent loans to loans | 2.9391% | 524 |
| Net loans and leases to total assets | 41.9790% | 5,292 |
| Net loans and leases to deposits | 47.2232% | 5,402 |
| Net loans and leases to core deposits | 49.5546% | 5,402 |
| Total domestic deposits to total assets | 88.8949% | 965 |
| Equity capital to assets | 11.0140% | 2,996 |
| Core capital (leverage) ratio | 11.1028% | 2,355 |
| Tier 1 risk-based capital ratio | 26.7437% | 660 |
| Total risk-based capital ratio | 28.0011% | 644 |
| Memoranda: | ||
| Average total assets | $207,549,500 | 2,896 |
| Average earning assets | $189,739,000 | 2,909 |
| Average equity | $23,717,750 | 2,842 |
| Average total loans | $91,256,500 | 3,568 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3363% | 5,212 |
| Cost of funding earning assets | 0.2568% | 4,585 |
| Net interest margin | 3.0795% | 4,887 |
| Noninterest income to average assets | 0.4107% | 3,802 |
| Noninterest expense to average assets | 3.0499% | 2,208 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1805% | 5,558 |
| Return on assets (ROA) | 0.1805% | 5,613 |
| Pretax return on assets | 0.1805% | 5,640 |
| Return on Equity (ROE) | 1.5597% | 5,599 |
| Retained earnings to average equity (ytd only) | 0.2108% | 5,242 |
| Net charge-offs to loans | 0.0857% | 1,989 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 4.7436% | 2,947 |
| Efficiency ratio | 94.4126% | 399 |
| Assets per employee ($millions) | 3.2634% | 5,123 |
| Cash dividends to net income (ytd only)* | 86.4865% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8190% | 1,051 |
| Loan loss allowance to noncurrent loans | 127.7136% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 1.3191% | 1,526 |
| Noncurrent loans to loans | 1.4243% | 1,558 |
| Net loans and leases to total assets | 42.8742% | 5,292 |
| Net loans and leases to deposits | 48.4944% | 5,403 |
| Net loans and leases to core deposits | 50.9699% | 5,401 |
| Total domestic deposits to total assets | 88.4106% | 1,220 |
| Equity capital to assets | 11.3687% | 2,679 |
| Core capital (leverage) ratio | 11.5643% | 1,942 |
| Tier 1 risk-based capital ratio | 27.9894% | 595 |
| Total risk-based capital ratio | 29.2484% | 580 |
| Memoranda: | ||
| Average total assets | $204,993,670 | 2,932 |
| Average earning assets | $187,694,330 | 2,955 |
| Average equity | $23,722,330 | 2,856 |
| Average total loans | $91,008,670 | 3,588 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3845% | 5,159 |
| Cost of funding earning assets | 0.2592% | 4,621 |
| Net interest margin | 3.1253% | 4,796 |
| Noninterest income to average assets | 0.3743% | 4,041 |
| Noninterest expense to average assets | 3.1439% | 1,971 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1044% | 5,677 |
| Return on assets (ROA) | 0.1044% | 5,722 |
| Pretax return on assets | 0.1044% | 5,733 |
| Return on Equity (ROE) | 0.8941% | 5,710 |
| Retained earnings to average equity (ytd only) | -0.2868% | 5,159 |
| Net charge-offs to loans | 0.0088% | 2,829 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 26.5000% | 1,271 |
| Efficiency ratio | 96.7859% | 379 |
| Assets per employee ($millions) | 3.1895% | 5,295 |
| Cash dividends to net income (ytd only)* | 132.0755% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8619% | 1,029 |
| Loan loss allowance to noncurrent loans | 106.2657% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 1.3457% | 1,578 |
| Noncurrent loans to loans | 1.7521% | 1,269 |
| Net loans and leases to total assets | 43.7938% | 5,253 |
| Net loans and leases to deposits | 49.6815% | 5,359 |
| Net loans and leases to core deposits | 52.1312% | 5,347 |
| Total domestic deposits to total assets | 88.1489% | 1,562 |
| Equity capital to assets | 11.6120% | 2,333 |
| Core capital (leverage) ratio | 11.6022% | 1,904 |
| Tier 1 risk-based capital ratio | 28.4981% | 576 |
| Total risk-based capital ratio | 29.7569% | 561 |
| Memoranda: | ||
| Average total assets | $203,063,000 | 2,954 |
| Average earning assets | $186,735,000 | 2,972 |
| Average equity | $23,711,500 | 2,857 |
| Average total loans | $90,911,000 | 3,606 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3099% | 5,332 |
| Cost of funding earning assets | 0.2664% | 4,629 |
| Net interest margin | 3.0435% | 5,040 |
| Noninterest income to average assets | 0.3505% | 4,397 |
| Noninterest expense to average assets | 2.9458% | 2,714 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2074% | 5,555 |
| Return on assets (ROA) | 0.2074% | 5,620 |
| Pretax return on assets | 0.2074% | 5,677 |
| Return on Equity (ROE) | 1.7562% | 5,636 |
| Retained earnings to average equity (ytd only) | 0.2364% | 5,418 |
| Net charge-offs to loans | 0.2601% | 1,164 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 1.7627% | 4,034 |
| Efficiency ratio | 93.4219% | 511 |
| Assets per employee ($millions) | 3.2581% | 5,214 |
| Cash dividends to net income (ytd only)* | 86.5385% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8714% | 1,009 |
| Loan loss allowance to noncurrent loans | 105.1393% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 1.3554% | 1,550 |
| Noncurrent loans to loans | 1.7800% | 1,246 |
| Net loans and leases to total assets | 44.0760% | 5,278 |
| Net loans and leases to deposits | 50.0855% | 5,388 |
| Net loans and leases to core deposits | 52.5079% | 5,392 |
| Total domestic deposits to total assets | 88.0015% | 1,628 |
| Equity capital to assets | 11.7425% | 2,156 |
| Core capital (leverage) ratio | 11.4772% | 1,975 |
| Tier 1 risk-based capital ratio | 29.0348% | 551 |
| Total risk-based capital ratio | 30.2956% | 541 |
| Memoranda: | ||
| Average total assets | $200,559,000 | 2,947 |
| Average earning assets | $184,688,800 | 2,949 |
| Average equity | $23,687,600 | 2,813 |
| Average total loans | $90,745,800 | 3,576 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3171% | 5,375 |
| Cost of funding earning assets | 0.2656% | 4,719 |
| Net interest margin | 3.0516% | 5,070 |
| Noninterest income to average assets | 0.3563% | 4,394 |
| Noninterest expense to average assets | 2.9650% | 2,621 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1998% | 5,679 |
| Return on assets (ROA) | 0.1998% | 5,738 |
| Pretax return on assets | 0.1998% | 5,792 |
| Return on Equity (ROE) | 1.6892% | 5,732 |
| Retained earnings to average equity (ytd only) | 0.1689% | 5,556 |
| Net charge-offs to loans | 0.3482% | 758 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1.2658% | 3,858 |
| Efficiency ratio | 93.6869% | 499 |
| Assets per employee ($millions) | 3.2595% | 5,199 |
| Cash dividends to net income (ytd only)* | 89.9997% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8854% | 1,102 |
| Loan loss allowance to noncurrent loans | 143.0860% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 1.3093% | 1,784 |
| Noncurrent loans to loans | 1.3177% | 1,936 |
| Net loans and leases to total assets | 43.6979% | 5,375 |
| Net loans and leases to deposits | 49.6358% | 5,490 |
| Net loans and leases to core deposits | 51.9535% | 5,502 |
| Total domestic deposits to total assets | 88.0370% | 1,532 |
| Equity capital to assets | 11.7245% | 2,328 |
| Core capital (leverage) ratio | 11.6903% | 1,894 |
| Tier 1 risk-based capital ratio | 29.2927% | 559 |
| Total risk-based capital ratio | 30.5537% | 549 |
| Memoranda: | ||
| Average total assets | $200,198,500 | 2,966 |
| Average earning assets | $184,250,750 | 2,978 |
| Average equity | $23,679,500 | 2,834 |
| Average total loans | $90,749,250 | 3,606 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3371% | 5,370 |
| Cost of funding earning assets | 0.2658% | 4,763 |
| Net interest margin | 3.0714% | 5,037 |
| Noninterest income to average assets | 0.3698% | 4,298 |
| Noninterest expense to average assets | 2.9434% | 2,737 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2525% | 5,574 |
| Return on assets (ROA) | 0.2525% | 5,654 |
| Pretax return on assets | 0.2525% | 5,736 |
| Return on Equity (ROE) | 2.1289% | 5,649 |
| Retained earnings to average equity (ytd only) | 0.6927% | 5,283 |
| Net charge-offs to loans | 0.4330% | 594 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.2792% | 3,543 |
| Efficiency ratio | 92.0978% | 635 |
| Assets per employee ($millions) | 3.3252% | 5,118 |
| Cash dividends to net income (ytd only)* | 67.4603% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8997% | 1,164 |
| Loan loss allowance to noncurrent loans | 82.4395% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 1.6565% | 1,445 |
| Noncurrent loans to loans | 2.3043% | 1,020 |
| Net loans and leases to total assets | 44.9587% | 5,318 |
| Net loans and leases to deposits | 51.1502% | 5,439 |
| Net loans and leases to core deposits | 53.4884% | 5,452 |
| Total domestic deposits to total assets | 87.8956% | 1,701 |
| Equity capital to assets | 11.9019% | 2,105 |
| Core capital (leverage) ratio | 11.8017% | 1,774 |
| Tier 1 risk-based capital ratio | 28.9395% | 595 |
| Total risk-based capital ratio | 30.2008% | 587 |
| Memoranda: | ||
| Average total assets | $199,568,000 | 2,998 |
| Average earning assets | $183,630,000 | 3,008 |
| Average equity | $23,674,670 | 2,843 |
| Average total loans | $90,997,000 | 3,612 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3108% | 5,422 |
| Cost of funding earning assets | 0.2657% | 4,842 |
| Net interest margin | 3.0451% | 5,090 |
| Noninterest income to average assets | 0.3427% | 4,457 |
| Noninterest expense to average assets | 3.1043% | 2,255 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0401% | 5,969 |
| Return on assets (ROA) | 0.0401% | 6,010 |
| Pretax return on assets | 0.0401% | 6,007 |
| Return on Equity (ROE) | 0.3384% | 6,008 |
| Retained earnings to average equity (ytd only) | -0.8461% | 5,525 |
| Net charge-offs to loans | 0.5464% | 452 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.1613% | 3,097 |
| Efficiency ratio | 98.7253% | 407 |
| Assets per employee ($millions) | 3.3410% | 5,180 |
| Cash dividends to net income (ytd only)* | 350.0000% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0030% | 1,072 |
| Loan loss allowance to noncurrent loans | 91.9248% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 1.6707% | 1,511 |
| Noncurrent loans to loans | 2.1790% | 1,165 |
| Net loans and leases to total assets | 44.1754% | 5,338 |
| Net loans and leases to deposits | 50.2030% | 5,448 |
| Net loans and leases to core deposits | 52.3254% | 5,466 |
| Total domestic deposits to total assets | 87.9936% | 1,826 |
| Equity capital to assets | 11.7799% | 2,216 |
| Core capital (leverage) ratio | 11.7571% | 1,804 |
| Tier 1 risk-based capital ratio | 28.8966% | 601 |
| Total risk-based capital ratio | 30.1582% | 588 |
| Memoranda: | ||
| Average total assets | $199,595,000 | 3,016 |
| Average earning assets | $183,639,000 | 3,018 |
| Average equity | $23,639,000 | 2,866 |
| Average total loans | $90,777,500 | 3,629 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5410% | 5,222 |
| Cost of funding earning assets | 0.2851% | 4,952 |
| Net interest margin | 3.2559% | 4,727 |
| Noninterest income to average assets | 0.7581% | 2,042 |
| Noninterest expense to average assets | 3.1908% | 2,238 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5349% | 4,662 |
| Return on assets (ROA) | 0.5349% | 4,742 |
| Pretax return on assets | 0.5349% | 5,160 |
| Return on Equity (ROE) | 4.3968% | 4,937 |
| Retained earnings to average equity (ytd only) | 2.9097% | 4,171 |
| Net charge-offs to loans | 0.0141% | 4,603 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 78.6923% | 634 |
| Efficiency ratio | 85.6441% | 1,208 |
| Assets per employee ($millions) | 3.3122% | 5,240 |
| Cash dividends to net income (ytd only)* | 33.8221% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1208% | 919 |
| Loan loss allowance to noncurrent loans | 106.9099% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 1.5987% | 1,688 |
| Noncurrent loans to loans | 1.9837% | 1,404 |
| Net loans and leases to total assets | 44.9137% | 5,411 |
| Net loans and leases to deposits | 51.1179% | 5,527 |
| Net loans and leases to core deposits | 53.3014% | 5,544 |
| Total domestic deposits to total assets | 87.8629% | 1,841 |
| Equity capital to assets | 11.9076% | 2,078 |
| Core capital (leverage) ratio | 12.0127% | 1,604 |
| Tier 1 risk-based capital ratio | 30.1883% | 501 |
| Total risk-based capital ratio | 31.4538% | 498 |
| Memoranda: | ||
| Average total assets | $191,266,600 | 3,090 |
| Average earning assets | $174,328,200 | 3,109 |
| Average equity | $23,266,800 | 2,821 |
| Average total loans | $92,273,400 | 3,581 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5798% | 5,195 |
| Cost of funding earning assets | 0.2878% | 5,014 |
| Net interest margin | 3.2920% | 4,638 |
| Noninterest income to average assets | 0.8807% | 1,588 |
| Noninterest expense to average assets | 3.2305% | 2,088 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6455% | 4,233 |
| Return on assets (ROA) | 0.6455% | 4,333 |
| Pretax return on assets | 0.6455% | 4,892 |
| Return on Equity (ROE) | 5.2774% | 4,592 |
| Retained earnings to average equity (ytd only) | 3.8616% | 3,907 |
| Net charge-offs to loans | 0.0519% | 3,472 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 25.4717% | 1,507 |
| Efficiency ratio | 83.3454% | 1,466 |
| Assets per employee ($millions) | 3.0777% | 5,633 |
| Cash dividends to net income (ytd only)* | 26.8264% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0689% | 1,137 |
| Loan loss allowance to noncurrent loans | 128.0831% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 1.8504% | 1,597 |
| Noncurrent loans to loans | 1.6152% | 2,019 |
| Net loans and leases to total assets | 47.4057% | 5,259 |
| Net loans and leases to deposits | 54.2473% | 5,367 |
| Net loans and leases to core deposits | 56.6711% | 5,411 |
| Total domestic deposits to total assets | 87.3880% | 2,099 |
| Equity capital to assets | 12.3981% | 1,774 |
| Core capital (leverage) ratio | 12.2651% | 1,538 |
| Tier 1 risk-based capital ratio | 30.2254% | 511 |
| Total risk-based capital ratio | 31.4902% | 506 |
| Memoranda: | ||
| Average total assets | $189,400,750 | 3,135 |
| Average earning assets | $172,334,500 | 3,157 |
| Average equity | $23,167,500 | 2,837 |
| Average total loans | $92,544,000 | 3,612 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5907% | 5,178 |
| Cost of funding earning assets | 0.2894% | 5,080 |
| Net interest margin | 3.3013% | 4,582 |
| Noninterest income to average assets | 0.4393% | 3,949 |
| Noninterest expense to average assets | 3.1938% | 2,215 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2403% | 5,735 |
| Return on assets (ROA) | 0.2403% | 5,806 |
| Pretax return on assets | 0.2403% | 5,893 |
| Return on Equity (ROE) | 1.9736% | 5,843 |
| Retained earnings to average equity (ytd only) | 0.5825% | 5,505 |
| Net charge-offs to loans | 0.0756% | 2,941 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 6.4857% | 2,764 |
| Efficiency ratio | 93.0025% | 693 |
| Assets per employee ($millions) | 3.0513% | 5,686 |
| Cash dividends to net income (ytd only)* | 70.4846% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0703% | 1,238 |
| Loan loss allowance to noncurrent loans | 118.2437% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 2.3357% | 1,260 |
| Noncurrent loans to loans | 1.7509% | 1,971 |
| Net loans and leases to total assets | 47.0488% | 5,261 |
| Net loans and leases to deposits | 53.5756% | 5,387 |
| Net loans and leases to core deposits | 56.0693% | 5,407 |
| Total domestic deposits to total assets | 87.8177% | 2,026 |
| Equity capital to assets | 11.9929% | 1,987 |
| Core capital (leverage) ratio | 12.2415% | 1,530 |
| Tier 1 risk-based capital ratio | 29.4435% | 547 |
| Total risk-based capital ratio | 30.7092% | 536 |
| Memoranda: | ||
| Average total assets | $188,928,000 | 3,163 |
| Average earning assets | $171,385,670 | 3,185 |
| Average equity | $23,004,000 | 2,847 |
| Average total loans | $92,602,000 | 3,623 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6087% | 5,146 |
| Cost of funding earning assets | 0.2942% | 5,134 |
| Net interest margin | 3.3144% | 4,476 |
| Noninterest income to average assets | 0.4507% | 3,789 |
| Noninterest expense to average assets | 3.3640% | 1,799 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0940% | 6,043 |
| Return on assets (ROA) | 0.0940% | 6,071 |
| Pretax return on assets | 0.0940% | 6,087 |
| Return on Equity (ROE) | 0.7659% | 6,088 |
| Retained earnings to average equity (ytd only) | -0.2785% | 5,609 |
| Net charge-offs to loans | 0.0906% | 2,255 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.0952% | 2,953 |
| Efficiency ratio | 97.2823% | 576 |
| Assets per employee ($millions) | 3.0534% | 5,772 |
| Cash dividends to net income (ytd only)* | 136.3636% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0797% | 1,371 |
| Loan loss allowance to noncurrent loans | 120.9040% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 2.2936% | 1,430 |
| Noncurrent loans to loans | 1.7202% | 2,251 |
| Net loans and leases to total assets | 48.6862% | 5,040 |
| Net loans and leases to deposits | 55.6816% | 5,139 |
| Net loans and leases to core deposits | 58.3693% | 5,176 |
| Total domestic deposits to total assets | 87.4368% | 2,539 |
| Equity capital to assets | 12.3329% | 1,669 |
| Core capital (leverage) ratio | 12.2148% | 1,526 |
| Tier 1 risk-based capital ratio | 29.4576% | 548 |
| Total risk-based capital ratio | 30.7233% | 539 |
| Memoranda: | ||
| Average total assets | $187,277,000 | 3,203 |
| Average earning assets | $169,925,000 | 3,222 |
| Average equity | $22,979,000 | 2,851 |
| Average total loans | $92,726,000 | 3,640 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7157% | 5,084 |
| Cost of funding earning assets | 0.3332% | 5,295 |
| Net interest margin | 3.3825% | 4,352 |
| Noninterest income to average assets | 0.5674% | 3,283 |
| Noninterest expense to average assets | 3.3178% | 2,098 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3205% | 5,451 |
| Return on assets (ROA) | 0.3205% | 5,548 |
| Pretax return on assets | 0.3205% | 5,673 |
| Return on Equity (ROE) | 2.6507% | 5,631 |
| Retained earnings to average equity (ytd only) | 1.0515% | 5,364 |
| Net charge-offs to loans | 0.0604% | 4,369 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 10.4310% | 2,367 |
| Efficiency ratio | 91.1897% | 935 |
| Assets per employee ($millions) | 3.0868% | 5,699 |
| Cash dividends to net income (ytd only)* | 60.3306% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0971% | 1,340 |
| Loan loss allowance to noncurrent loans | 179.9445% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 2.3346% | 1,496 |
| Noncurrent loans to loans | 1.1654% | 3,212 |
| Net loans and leases to total assets | 48.2735% | 5,267 |
| Net loans and leases to deposits | 55.1305% | 5,378 |
| Net loans and leases to core deposits | 57.7560% | 5,410 |
| Total domestic deposits to total assets | 87.5621% | 2,442 |
| Equity capital to assets | 12.2079% | 1,677 |
| Core capital (leverage) ratio | 12.0767% | 1,548 |
| Tier 1 risk-based capital ratio | 29.3097% | 532 |
| Total risk-based capital ratio | 30.5758% | 524 |
| Memoranda: | ||
| Average total assets | $188,742,200 | 3,176 |
| Average earning assets | $171,352,800 | 3,203 |
| Average equity | $22,824,000 | 2,845 |
| Average total loans | $96,005,200 | 3,553 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7107% | 5,135 |
| Cost of funding earning assets | 0.3399% | 5,383 |
| Net interest margin | 3.3709% | 4,397 |
| Noninterest income to average assets | 0.5436% | 3,499 |
| Noninterest expense to average assets | 3.3372% | 1,985 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2662% | 5,732 |
| Return on assets (ROA) | 0.2662% | 5,834 |
| Pretax return on assets | 0.2662% | 5,941 |
| Return on Equity (ROE) | 2.2062% | 5,877 |
| Retained earnings to average equity (ytd only) | 0.7432% | 5,677 |
| Net charge-offs to loans | 0.0826% | 3,767 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 6.2831% | 3,004 |
| Efficiency ratio | 92.6136% | 816 |
| Assets per employee ($millions) | 3.1307% | 5,618 |
| Cash dividends to net income (ytd only)* | 66.3145% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0718% | 1,563 |
| Loan loss allowance to noncurrent loans | 180.4267% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 2.4244% | 1,598 |
| Noncurrent loans to loans | 1.1483% | 3,512 |
| Net loans and leases to total assets | 48.1401% | 5,330 |
| Net loans and leases to deposits | 54.8195% | 5,470 |
| Net loans and leases to core deposits | 57.4960% | 5,487 |
| Total domestic deposits to total assets | 87.8156% | 2,236 |
| Equity capital to assets | 11.9775% | 1,932 |
| Core capital (leverage) ratio | 11.8751% | 1,752 |
| Tier 1 risk-based capital ratio | 29.3121% | 547 |
| Total risk-based capital ratio | 30.5782% | 543 |
| Memoranda: | ||
| Average total assets | $188,853,750 | 3,205 |
| Average earning assets | $171,425,500 | 3,225 |
| Average equity | $22,783,250 | 2,874 |
| Average total loans | $96,795,500 | 3,554 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7296% | 5,054 |
| Cost of funding earning assets | 0.3464% | 5,443 |
| Net interest margin | 3.3832% | 4,253 |
| Noninterest income to average assets | 0.5379% | 3,582 |
| Noninterest expense to average assets | 3.3718% | 1,885 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2392% | 5,800 |
| Return on assets (ROA) | 0.2392% | 5,923 |
| Pretax return on assets | 0.2392% | 6,020 |
| Return on Equity (ROE) | 1.9778% | 5,964 |
| Retained earnings to average equity (ytd only) | 0.5362% | 5,689 |
| Net charge-offs to loans | 0.1227% | 3,144 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.7500% | 3,310 |
| Efficiency ratio | 93.3765% | 793 |
| Assets per employee ($millions) | 3.1066% | 5,667 |
| Cash dividends to net income (ytd only)* | 72.8889% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0739% | 1,693 |
| Loan loss allowance to noncurrent loans | 119.1789% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 2.7148% | 1,537 |
| Noncurrent loans to loans | 1.7402% | 2,712 |
| Net loans and leases to total assets | 47.6823% | 5,358 |
| Net loans and leases to deposits | 54.2014% | 5,506 |
| Net loans and leases to core deposits | 56.9236% | 5,530 |
| Total domestic deposits to total assets | 87.9725% | 2,265 |
| Equity capital to assets | 11.8411% | 2,012 |
| Core capital (leverage) ratio | 11.9803% | 1,627 |
| Tier 1 risk-based capital ratio | 29.9666% | 522 |
| Total risk-based capital ratio | 31.2332% | 517 |
| Memoranda: | ||
| Average total assets | $188,147,000 | 3,228 |
| Average earning assets | $170,901,330 | 3,240 |
| Average equity | $22,753,000 | 2,892 |
| Average total loans | $97,767,330 | 3,545 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8229% | 4,745 |
| Cost of funding earning assets | 0.3525% | 5,513 |
| Net interest margin | 3.4704% | 3,819 |
| Noninterest income to average assets | 0.5013% | 3,760 |
| Noninterest expense to average assets | 3.6102% | 1,405 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0473% | 6,257 |
| Return on assets (ROA) | 0.0473% | 6,341 |
| Pretax return on assets | 0.0473% | 6,342 |
| Return on Equity (ROE) | 0.3872% | 6,351 |
| Retained earnings to average equity (ytd only) | -0.7392% | 5,919 |
| Net charge-offs to loans | 0.0842% | 3,001 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.0476% | 3,489 |
| Efficiency ratio | 98.7059% | 599 |
| Assets per employee ($millions) | 2.7838% | 6,294 |
| Cash dividends to net income (ytd only)* | 290.9091% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0205% | 1,987 |
| Loan loss allowance to noncurrent loans | 116.6373% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 2.6309% | 1,730 |
| Noncurrent loans to loans | 1.7323% | 2,954 |
| Net loans and leases to total assets | 51.5835% | 4,756 |
| Net loans and leases to deposits | 58.8879% | 4,925 |
| Net loans and leases to core deposits | 62.1153% | 4,944 |
| Total domestic deposits to total assets | 87.5962% | 2,577 |
| Equity capital to assets | 12.1733% | 1,924 |
| Core capital (leverage) ratio | 12.2429% | 1,441 |
| Tier 1 risk-based capital ratio | 29.1741% | 571 |
| Total risk-based capital ratio | 30.4397% | 565 |
| Memoranda: | ||
| Average total assets | $185,916,500 | 3,285 |
| Average earning assets | $169,088,000 | 3,291 |
| Average equity | $22,726,000 | 2,956 |
| Average total loans | $99,758,500 | 3,509 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1075% | 4,923 |
| Cost of funding earning assets | 0.3829% | 6,029 |
| Net interest margin | 3.7246% | 3,544 |
| Noninterest income to average assets | 0.5665% | 3,470 |
| Noninterest expense to average assets | 3.6195% | 1,567 |
| Loan and lease loss provision to assets | 0.0011% | 5,899 |
| Net operating income to assets | 0.3380% | 5,336 |
| Return on assets (ROA) | 0.3380% | 5,555 |
| Pretax return on assets | 0.3380% | 5,750 |
| Return on Equity (ROE) | 2.7884% | 5,637 |
| Retained earnings to average equity (ytd only) | 1.0844% | 5,329 |
| Net charge-offs to loans | 0.0058% | 5,885 |
| Credit loss provision to net charge-offs | 33.3333% | 5,054 |
| Earnings coverage of net charge-offs (x) | 105.3333% | 368 |
| Efficiency ratio | 91.4352% | 957 |
| Assets per employee ($millions) | 2.6858% | 6,437 |
| Cash dividends to net income (ytd only)* | 61.1111% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9788% | 2,075 |
| Loan loss allowance to noncurrent loans | 100.0499% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 2.6463% | 1,832 |
| Noncurrent loans to loans | 1.9779% | 2,720 |
| Net loans and leases to total assets | 53.5927% | 4,675 |
| Net loans and leases to deposits | 61.2505% | 4,875 |
| Net loans and leases to core deposits | 64.3737% | 4,918 |
| Total domestic deposits to total assets | 87.4977% | 2,527 |
| Equity capital to assets | 12.2746% | 1,871 |
| Core capital (leverage) ratio | 12.0970% | 1,518 |
| Tier 1 risk-based capital ratio | 29.0040% | 560 |
| Total risk-based capital ratio | 30.2702% | 547 |
| Memoranda: | ||
| Average total assets | $186,407,600 | 3,214 |
| Average earning assets | $169,761,800 | 3,231 |
| Average equity | $22,593,800 | 2,901 |
| Average total loans | $104,235,400 | 3,419 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0995% | 5,188 |
| Cost of funding earning assets | 0.3887% | 6,184 |
| Net interest margin | 3.7108% | 3,745 |
| Noninterest income to average assets | 0.5792% | 3,411 |
| Noninterest expense to average assets | 3.6596% | 1,435 |
| Loan and lease loss provision to assets | 0.0014% | 5,782 |
| Net operating income to assets | 0.3000% | 5,618 |
| Return on assets (ROA) | 0.3000% | 5,819 |
| Pretax return on assets | 0.3000% | 5,957 |
| Return on Equity (ROE) | 2.4827% | 5,886 |
| Retained earnings to average equity (ytd only) | 1.0049% | 5,768 |
| Net charge-offs to loans | 0.0178% | 5,428 |
| Credit loss provision to net charge-offs | 14.2857% | 5,027 |
| Earnings coverage of net charge-offs (x) | 30.1366% | 1,097 |
| Efficiency ratio | 92.3909% | 869 |
| Assets per employee ($millions) | 2.7165% | 6,470 |
| Cash dividends to net income (ytd only)* | 59.5243% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9597% | 2,288 |
| Loan loss allowance to noncurrent loans | 81.3111% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 2.6323% | 2,006 |
| Noncurrent loans to loans | 2.4101% | 2,390 |
| Net loans and leases to total assets | 53.3014% | 4,856 |
| Net loans and leases to deposits | 60.7692% | 5,115 |
| Net loans and leases to core deposits | 63.9151% | 5,158 |
| Total domestic deposits to total assets | 87.7111% | 2,221 |
| Equity capital to assets | 12.0957% | 2,179 |
| Core capital (leverage) ratio | 11.9749% | 1,670 |
| Tier 1 risk-based capital ratio | 29.7533% | 545 |
| Total risk-based capital ratio | 31.0210% | 536 |
| Memoranda: | ||
| Average total assets | $186,680,000 | 3,248 |
| Average earning assets | $170,128,250 | 3,264 |
| Average equity | $22,555,500 | 2,929 |
| Average total loans | $104,963,750 | 3,433 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1177% | 5,252 |
| Cost of funding earning assets | 0.4014% | 6,260 |
| Net interest margin | 3.7163% | 3,746 |
| Noninterest income to average assets | 0.5697% | 3,449 |
| Noninterest expense to average assets | 3.7913% | 1,230 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1652% | 6,012 |
| Return on assets (ROA) | 0.1652% | 6,185 |
| Pretax return on assets | 0.1652% | 6,203 |
| Return on Equity (ROE) | 1.3679% | 6,221 |
| Retained earnings to average equity (ytd only) | 0.1688% | 5,986 |
| Net charge-offs to loans | 0.0057% | 5,412 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 51.3333% | 713 |
| Efficiency ratio | 95.8243% | 709 |
| Assets per employee ($millions) | 2.7199% | 6,506 |
| Cash dividends to net income (ytd only)* | 87.6623% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9185% | 2,487 |
| Loan loss allowance to noncurrent loans | 82.9611% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 2.5242% | 2,218 |
| Noncurrent loans to loans | 2.3125% | 2,589 |
| Net loans and leases to total assets | 53.8641% | 4,825 |
| Net loans and leases to deposits | 61.2386% | 5,095 |
| Net loans and leases to core deposits | 64.2237% | 5,193 |
| Total domestic deposits to total assets | 87.9577% | 2,173 |
| Equity capital to assets | 11.8285% | 2,287 |
| Core capital (leverage) ratio | 11.9841% | 1,609 |
| Tier 1 risk-based capital ratio | 28.8679% | 581 |
| Total risk-based capital ratio | 30.1343% | 565 |
| Memoranda: | ||
| Average total assets | $186,427,330 | 3,260 |
| Average earning assets | $169,901,330 | 3,273 |
| Average equity | $22,516,670 | 2,920 |
| Average total loans | $105,983,670 | 3,432 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1938% | 5,124 |
| Cost of funding earning assets | 0.4213% | 6,309 |
| Net interest margin | 3.7725% | 3,505 |
| Noninterest income to average assets | 0.6029% | 3,218 |
| Noninterest expense to average assets | 3.8776% | 1,093 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1627% | 6,087 |
| Return on assets (ROA) | 0.1627% | 6,220 |
| Pretax return on assets | 0.1627% | 6,268 |
| Return on Equity (ROE) | 1.3325% | 6,282 |
| Retained earnings to average equity (ytd only) | 0.4442% | 5,853 |
| Net charge-offs to loans | 0.0150% | 4,479 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 18.7500% | 1,250 |
| Efficiency ratio | 95.9742% | 721 |
| Assets per employee ($millions) | 2.6569% | 6,690 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9127% | 2,638 |
| Loan loss allowance to noncurrent loans | 74.3143% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 2.8411% | 2,060 |
| Noncurrent loans to loans | 2.5738% | 2,533 |
| Net loans and leases to total assets | 55.2841% | 4,513 |
| Net loans and leases to deposits | 63.0602% | 4,763 |
| Net loans and leases to core deposits | 66.6030% | 4,844 |
| Total domestic deposits to total assets | 87.6688% | 2,544 |
| Equity capital to assets | 12.1124% | 1,966 |
| Core capital (leverage) ratio | 12.2820% | 1,445 |
| Tier 1 risk-based capital ratio | 28.7822% | 582 |
| Total risk-based capital ratio | 30.0484% | 571 |
| Memoranda: | ||
| Average total assets | $184,443,000 | 3,311 |
| Average earning assets | $168,058,500 | 3,317 |
| Average equity | $22,514,500 | 2,910 |
| Average total loans | $106,695,000 | 3,436 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5086% | 5,043 |
| Cost of funding earning assets | 0.5329% | 6,412 |
| Net interest margin | 3.9757% | 3,002 |
| Noninterest income to average assets | 0.6305% | 3,005 |
| Noninterest expense to average assets | 3.7651% | 1,417 |
| Loan and lease loss provision to assets | 0.0308% | 6,183 |
| Net operating income to assets | 0.5553% | 4,210 |
| Return on assets (ROA) | 0.5553% | 4,396 |
| Pretax return on assets | 0.5553% | 4,818 |
| Return on Equity (ROE) | 4.5500% | 4,601 |
| Retained earnings to average equity (ytd only) | 2.5698% | 4,400 |
| Net charge-offs to loans | 0.0418% | 5,895 |
| Credit loss provision to net charge-offs | 119.1489% | 2,685 |
| Earnings coverage of net charge-offs (x) | 22.7021% | 1,052 |
| Efficiency ratio | 86.5312% | 1,493 |
| Assets per employee ($millions) | 2.6508% | 6,662 |
| Cash dividends to net income (ytd only)* | 43.5213% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8505% | 2,708 |
| Loan loss allowance to noncurrent loans | 73.2143% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 2.9163% | 2,069 |
| Noncurrent loans to loans | 2.5275% | 2,605 |
| Net loans and leases to total assets | 58.2587% | 4,324 |
| Net loans and leases to deposits | 66.6406% | 4,647 |
| Net loans and leases to core deposits | 70.4612% | 4,726 |
| Total domestic deposits to total assets | 87.4223% | 2,516 |
| Equity capital to assets | 12.3027% | 1,908 |
| Core capital (leverage) ratio | 12.2086% | 1,488 |
| Tier 1 risk-based capital ratio | 27.6907% | 645 |
| Total risk-based capital ratio | 28.9570% | 635 |
| Memoranda: | ||
| Average total assets | $182,067,800 | 3,302 |
| Average earning assets | $170,385,600 | 3,241 |
| Average equity | $22,219,600 | 2,868 |
| Average total loans | $112,475,000 | 3,322 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5353% | 5,141 |
| Cost of funding earning assets | 0.5553% | 6,496 |
| Net interest margin | 3.9800% | 3,007 |
| Noninterest income to average assets | 0.6261% | 3,017 |
| Noninterest expense to average assets | 3.8065% | 1,294 |
| Loan and lease loss provision to assets | 0.0411% | 5,924 |
| Net operating income to assets | 0.5301% | 4,406 |
| Return on assets (ROA) | 0.5301% | 4,596 |
| Pretax return on assets | 0.5301% | 5,041 |
| Return on Equity (ROE) | 4.3523% | 4,836 |
| Retained earnings to average equity (ytd only) | 2.6667% | 4,759 |
| Net charge-offs to loans | 0.0541% | 5,430 |
| Credit loss provision to net charge-offs | 121.7391% | 2,660 |
| Earnings coverage of net charge-offs (x) | 16.9353% | 1,372 |
| Efficiency ratio | 86.9536% | 1,442 |
| Assets per employee ($millions) | 2.6121% | 6,767 |
| Cash dividends to net income (ytd only)* | 38.7269% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8016% | 2,942 |
| Loan loss allowance to noncurrent loans | 84.7029% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 2.5458% | 2,523 |
| Noncurrent loans to loans | 2.1270% | 3,208 |
| Net loans and leases to total assets | 59.9158% | 4,144 |
| Net loans and leases to deposits | 68.4712% | 4,530 |
| Net loans and leases to core deposits | 72.2560% | 4,678 |
| Total domestic deposits to total assets | 87.5051% | 2,349 |
| Equity capital to assets | 12.2363% | 2,066 |
| Core capital (leverage) ratio | 12.2536% | 1,560 |
| Tier 1 risk-based capital ratio | 28.5955% | 614 |
| Total risk-based capital ratio | 29.8621% | 606 |
| Memoranda: | ||
| Average total assets | $181,859,000 | 3,322 |
| Average earning assets | $171,421,750 | 3,226 |
| Average equity | $22,149,000 | 2,873 |
| Average total loans | $113,452,250 | 3,336 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5728% | 5,088 |
| Cost of funding earning assets | 0.5935% | 6,494 |
| Net interest margin | 3.9793% | 2,944 |
| Noninterest income to average assets | 0.6115% | 3,058 |
| Noninterest expense to average assets | 3.8716% | 1,242 |
| Loan and lease loss provision to assets | 0.0198% | 6,040 |
| Net operating income to assets | 0.4727% | 4,631 |
| Return on assets (ROA) | 0.4727% | 4,770 |
| Pretax return on assets | 0.4727% | 5,164 |
| Return on Equity (ROE) | 3.8869% | 4,988 |
| Retained earnings to average equity (ytd only) | 2.2560% | 4,855 |
| Net charge-offs to loans | 0.0070% | 5,767 |
| Credit loss provision to net charge-offs | 450.0000% | 676 |
| Earnings coverage of net charge-offs (x) | 111.7500% | 326 |
| Efficiency ratio | 88.7150% | 1,347 |
| Assets per employee ($millions) | 2.6096% | 6,776 |
| Cash dividends to net income (ytd only)* | 41.9580% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7907% | 3,026 |
| Loan loss allowance to noncurrent loans | 71.9800% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 2.5384% | 2,635 |
| Noncurrent loans to loans | 2.4877% | 2,899 |
| Net loans and leases to total assets | 60.4683% | 4,191 |
| Net loans and leases to deposits | 69.0380% | 4,561 |
| Net loans and leases to core deposits | 72.8725% | 4,728 |
| Total domestic deposits to total assets | 87.5870% | 2,417 |
| Equity capital to assets | 12.1420% | 2,001 |
| Core capital (leverage) ratio | 12.1233% | 1,543 |
| Tier 1 risk-based capital ratio | 28.3599% | 635 |
| Total risk-based capital ratio | 29.6270% | 616 |
| Memoranda: | ||
| Average total assets | $181,528,670 | 3,346 |
| Average earning assets | $171,185,330 | 3,258 |
| Average equity | $22,074,000 | 2,867 |
| Average total loans | $114,081,000 | 3,357 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6821% | 4,603 |
| Cost of funding earning assets | 0.6454% | 6,398 |
| Net interest margin | 4.0367% | 2,533 |
| Noninterest income to average assets | 0.5084% | 3,817 |
| Noninterest expense to average assets | 4.0385% | 987 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2719% | 5,535 |
| Return on assets (ROA) | 0.2719% | 5,594 |
| Pretax return on assets | 0.2719% | 5,743 |
| Return on Equity (ROE) | 2.2342% | 5,702 |
| Retained earnings to average equity (ytd only) | 1.3260% | 5,296 |
| Net charge-offs to loans | -0.1079% | 7,110 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6923% | 1,054 |
| Assets per employee ($millions) | 2.6707% | 6,740 |
| Cash dividends to net income (ytd only)* | 40.6504% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7917% | 3,039 |
| Loan loss allowance to noncurrent loans | 105.0698% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 2.1481% | 3,134 |
| Noncurrent loans to loans | 1.7053% | 3,932 |
| Net loans and leases to total assets | 61.2990% | 4,011 |
| Net loans and leases to deposits | 70.0315% | 4,339 |
| Net loans and leases to core deposits | 73.5590% | 4,581 |
| Total domestic deposits to total assets | 87.5306% | 2,648 |
| Equity capital to assets | 12.1307% | 1,841 |
| Core capital (leverage) ratio | 12.1426% | 1,484 |
| Tier 1 risk-based capital ratio | 27.2955% | 681 |
| Total risk-based capital ratio | 28.5620% | 667 |
| Memoranda: | ||
| Average total assets | $180,957,500 | 3,375 |
| Average earning assets | $170,438,000 | 3,297 |
| Average equity | $22,021,000 | 2,866 |
| Average total loans | $114,885,500 | 3,370 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8426% | 5,263 |
| Cost of funding earning assets | 0.9412% | 5,974 |
| Net interest margin | 3.9014% | 3,480 |
| Noninterest income to average assets | 0.5588% | 3,757 |
| Noninterest expense to average assets | 3.6925% | 1,716 |
| Loan and lease loss provision to assets | 0.1722% | 5,499 |
| Net operating income to assets | 0.3795% | 4,642 |
| Return on assets (ROA) | 0.3795% | 4,786 |
| Pretax return on assets | 0.3795% | 5,005 |
| Return on Equity (ROE) | 3.1841% | 4,880 |
| Retained earnings to average equity (ytd only) | 1.8995% | 4,538 |
| Net charge-offs to loans | 0.2678% | 4,691 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 3.2032% | 3,478 |
| Efficiency ratio | 87.0008% | 1,570 |
| Assets per employee ($millions) | 2.5396% | 6,947 |
| Cash dividends to net income (ytd only)* | 40.3458% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7179% | 3,143 |
| Loan loss allowance to noncurrent loans | 118.5536% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 1.9600% | 3,395 |
| Noncurrent loans to loans | 1.4491% | 4,307 |
| Net loans and leases to total assets | 63.4563% | 3,976 |
| Net loans and leases to deposits | 72.5786% | 4,419 |
| Net loans and leases to core deposits | 76.2629% | 4,672 |
| Total domestic deposits to total assets | 87.4311% | 2,593 |
| Equity capital to assets | 12.2079% | 1,783 |
| Core capital (leverage) ratio | 11.8883% | 1,623 |
| Tier 1 risk-based capital ratio | 26.2333% | 738 |
| Total risk-based capital ratio | 27.4976% | 719 |
| Memoranda: | ||
| Average total assets | $182,884,600 | 3,330 |
| Average earning assets | $172,759,000 | 3,229 |
| Average equity | $21,795,600 | 2,904 |
| Average total loans | $117,604,800 | 3,370 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8668% | 5,408 |
| Cost of funding earning assets | 0.9981% | 5,942 |
| Net interest margin | 3.8687% | 3,664 |
| Noninterest income to average assets | 0.5463% | 3,819 |
| Noninterest expense to average assets | 3.6586% | 1,653 |
| Loan and lease loss provision to assets | 0.2020% | 5,030 |
| Net operating income to assets | 0.3436% | 4,998 |
| Return on assets (ROA) | 0.3436% | 5,170 |
| Pretax return on assets | 0.3436% | 5,392 |
| Return on Equity (ROE) | 2.9007% | 5,265 |
| Retained earnings to average equity (ytd only) | 1.6742% | 5,122 |
| Net charge-offs to loans | 0.3302% | 4,012 |
| Credit loss provision to net charge-offs | 95.2055% | 4,554 |
| Earnings coverage of net charge-offs (x) | 2.5719% | 3,866 |
| Efficiency ratio | 87.0226% | 1,528 |
| Assets per employee ($millions) | 2.5451% | 7,015 |
| Cash dividends to net income (ytd only)* | 42.2834% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6762% | 3,231 |
| Loan loss allowance to noncurrent loans | 157.9952% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 1.6265% | 4,004 |
| Noncurrent loans to loans | 1.0609% | 5,120 |
| Net loans and leases to total assets | 62.7012% | 4,385 |
| Net loans and leases to deposits | 71.3739% | 4,929 |
| Net loans and leases to core deposits | 75.3399% | 5,141 |
| Total domestic deposits to total assets | 87.8489% | 2,051 |
| Equity capital to assets | 11.7969% | 2,285 |
| Core capital (leverage) ratio | 11.6870% | 1,827 |
| Tier 1 risk-based capital ratio | 25.5060% | 818 |
| Total risk-based capital ratio | 26.7701% | 799 |
| Memoranda: | ||
| Average total assets | $183,528,250 | 3,366 |
| Average earning assets | $173,525,000 | 3,257 |
| Average equity | $21,741,500 | 2,951 |
| Average total loans | $117,901,500 | 3,405 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8301% | 5,683 |
| Cost of funding earning assets | 1.0433% | 5,952 |
| Net interest margin | 3.7868% | 3,950 |
| Noninterest income to average assets | 0.5154% | 3,993 |
| Noninterest expense to average assets | 3.7314% | 1,493 |
| Loan and lease loss provision to assets | 0.2626% | 4,298 |
| Net operating income to assets | 0.1040% | 5,856 |
| Return on assets (ROA) | 0.1040% | 5,970 |
| Pretax return on assets | 0.1040% | 5,971 |
| Return on Equity (ROE) | 0.8763% | 5,987 |
| Retained earnings to average equity (ytd only) | -0.9685% | 5,961 |
| Net charge-offs to loans | 0.3109% | 3,765 |
| Credit loss provision to net charge-offs | 131.1475% | 3,073 |
| Earnings coverage of net charge-offs (x) | 1.8306% | 4,151 |
| Efficiency ratio | 91.0547% | 1,262 |
| Assets per employee ($millions) | 2.5859% | 6,972 |
| Cash dividends to net income (ytd only)* | 210.5263% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7362% | 2,943 |
| Loan loss allowance to noncurrent loans | 129.4525% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 1.8299% | 3,721 |
| Noncurrent loans to loans | 1.3412% | 4,706 |
| Net loans and leases to total assets | 62.5310% | 4,574 |
| Net loans and leases to deposits | 71.0462% | 5,137 |
| Net loans and leases to core deposits | 75.2075% | 5,297 |
| Total domestic deposits to total assets | 88.0145% | 1,994 |
| Equity capital to assets | 11.5950% | 2,361 |
| Core capital (leverage) ratio | 11.5948% | 1,860 |
| Tier 1 risk-based capital ratio | 24.8114% | 860 |
| Total risk-based capital ratio | 26.0756% | 844 |
| Memoranda: | ||
| Average total assets | $182,773,000 | 3,400 |
| Average earning assets | $172,916,000 | 3,296 |
| Average equity | $21,682,670 | 2,948 |
| Average total loans | $117,708,330 | 3,437 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8146% | 5,841 |
| Cost of funding earning assets | 1.0912% | 5,953 |
| Net interest margin | 3.7235% | 4,132 |
| Noninterest income to average assets | 0.4948% | 4,090 |
| Noninterest expense to average assets | 3.7820% | 1,353 |
| Loan and lease loss provision to assets | 0.1149% | 5,462 |
| Net operating income to assets | 0.1259% | 5,942 |
| Return on assets (ROA) | 0.1259% | 6,062 |
| Pretax return on assets | 0.1259% | 6,070 |
| Return on Equity (ROE) | 1.0492% | 6,104 |
| Retained earnings to average equity (ytd only) | -0.2393% | 5,884 |
| Net charge-offs to loans | 0.4194% | 2,787 |
| Credit loss provision to net charge-offs | 42.2764% | 4,605 |
| Earnings coverage of net charge-offs (x) | 0.8862% | 4,253 |
| Efficiency ratio | 94.0143% | 1,133 |
| Assets per employee ($millions) | 2.5320% | 7,153 |
| Cash dividends to net income (ytd only)* | 122.8070% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6579% | 3,217 |
| Loan loss allowance to noncurrent loans | 126.0784% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 1.6456% | 4,013 |
| Noncurrent loans to loans | 1.3150% | 4,783 |
| Net loans and leases to total assets | 62.7632% | 4,597 |
| Net loans and leases to deposits | 71.6143% | 5,105 |
| Net loans and leases to core deposits | 71.6143% | 5,751 |
| Total domestic deposits to total assets | 87.6406% | 2,269 |
| Equity capital to assets | 11.9080% | 2,098 |
| Core capital (leverage) ratio | 11.8406% | 1,726 |
| Tier 1 risk-based capital ratio | 25.0169% | 861 |
| Total risk-based capital ratio | 26.2791% | 838 |
| Memoranda: | ||
| Average total assets | $181,068,000 | 3,481 |
| Average earning assets | $171,560,500 | 3,377 |
| Average equity | $21,730,000 | 2,977 |
| Average total loans | $117,323,000 | 3,512 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5995% | 3,614 |
| Cost of funding earning assets | 1.2523% | 6,464 |
| Net interest margin | 4.3472% | 1,580 |
| Noninterest income to average assets | 0.5445% | 4,074 |
| Noninterest expense to average assets | 3.7494% | 1,798 |
| Loan and lease loss provision to assets | 0.1694% | 5,995 |
| Net operating income to assets | 0.7275% | 2,821 |
| Return on assets (ROA) | 0.7275% | 2,898 |
| Pretax return on assets | 0.7275% | 3,482 |
| Return on Equity (ROE) | 5.9382% | 3,239 |
| Retained earnings to average equity (ytd only) | 2.6908% | 3,266 |
| Net charge-offs to loans | 0.2044% | 5,353 |
| Credit loss provision to net charge-offs | 121.1382% | 4,400 |
| Earnings coverage of net charge-offs (x) | 6.4146% | 2,370 |
| Efficiency ratio | 80.6972% | 2,790 |
| Assets per employee ($millions) | 2.4301% | 7,317 |
| Cash dividends to net income (ytd only)* | 54.6875% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6907% | 2,923 |
| Loan loss allowance to noncurrent loans | 125.7071% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 1.5993% | 3,979 |
| Noncurrent loans to loans | 1.3449% | 4,680 |
| Net loans and leases to total assets | 64.6700% | 4,454 |
| Net loans and leases to deposits | 73.9514% | 5,047 |
| Net loans and leases to core deposits | 94.7707% | 4,591 |
| Total domestic deposits to total assets | 87.4493% | 2,243 |
| Equity capital to assets | 12.0953% | 1,981 |
| Core capital (leverage) ratio | 12.0463% | 1,647 |
| Tier 1 risk-based capital ratio | 24.5423% | 895 |
| Total risk-based capital ratio | 25.8050% | 868 |
| Memoranda: | ||
| Average total assets | $175,947,600 | 3,507 |
| Average earning assets | $166,014,000 | 3,408 |
| Average equity | $21,555,200 | 3,007 |
| Average total loans | $120,324,800 | 3,477 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7066% | 3,309 |
| Cost of funding earning assets | 1.2789% | 6,626 |
| Net interest margin | 4.4277% | 1,370 |
| Noninterest income to average assets | 0.5113% | 4,394 |
| Noninterest expense to average assets | 3.6972% | 1,825 |
| Loan and lease loss provision to assets | 0.1745% | 5,616 |
| Net operating income to assets | 0.8130% | 2,752 |
| Return on assets (ROA) | 0.8130% | 2,818 |
| Pretax return on assets | 0.8130% | 3,497 |
| Return on Equity (ROE) | 6.6150% | 3,256 |
| Retained earnings to average equity (ytd only) | 3.1432% | 3,559 |
| Net charge-offs to loans | 0.1214% | 5,484 |
| Credit loss provision to net charge-offs | 208.1818% | 2,122 |
| Earnings coverage of net charge-offs (x) | 11.7821% | 1,824 |
| Efficiency ratio | 78.9200% | 3,004 |
| Assets per employee ($millions) | 2.4027% | 7,377 |
| Cash dividends to net income (ytd only)* | 52.4838% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7409% | 2,477 |
| Loan loss allowance to noncurrent loans | 195.9242% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.8628% | 5,355 |
| Noncurrent loans to loans | 0.8886% | 5,508 |
| Net loans and leases to total assets | 65.6170% | 4,505 |
| Net loans and leases to deposits | 75.1175% | 5,195 |
| Net loans and leases to core deposits | 94.9584% | 4,934 |
| Total domestic deposits to total assets | 87.3524% | 1,980 |
| Equity capital to assets | 12.2117% | 2,116 |
| Core capital (leverage) ratio | 12.0302% | 1,789 |
| Tier 1 risk-based capital ratio | 24.4006% | 960 |
| Total risk-based capital ratio | 25.6648% | 941 |
| Memoranda: | ||
| Average total assets | $174,977,000 | 3,531 |
| Average earning assets | $164,929,000 | 3,463 |
| Average equity | $21,506,250 | 3,030 |
| Average total loans | $120,832,000 | 3,491 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7768% | 3,152 |
| Cost of funding earning assets | 1.3144% | 6,755 |
| Net interest margin | 4.4625% | 1,261 |
| Noninterest income to average assets | 0.4999% | 4,446 |
| Noninterest expense to average assets | 3.7233% | 1,790 |
| Loan and lease loss provision to assets | 0.2034% | 5,022 |
| Net operating income to assets | 0.7791% | 2,938 |
| Return on assets (ROA) | 0.7791% | 3,033 |
| Pretax return on assets | 0.7791% | 3,748 |
| Return on Equity (ROE) | 6.3253% | 3,511 |
| Retained earnings to average equity (ytd only) | 2.5936% | 3,883 |
| Net charge-offs to loans | 0.1415% | 4,758 |
| Credit loss provision to net charge-offs | 205.8140% | 2,216 |
| Earnings coverage of net charge-offs (x) | 9.9419% | 2,054 |
| Efficiency ratio | 79.1209% | 3,177 |
| Assets per employee ($millions) | 2.3760% | 7,464 |
| Cash dividends to net income (ytd only)* | 58.9971% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7046% | 2,332 |
| Loan loss allowance to noncurrent loans | 284.7765% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.6421% | 5,813 |
| Noncurrent loans to loans | 0.5986% | 6,061 |
| Net loans and leases to total assets | 66.8718% | 4,385 |
| Net loans and leases to deposits | 76.5731% | 5,089 |
| Net loans and leases to core deposits | 92.5869% | 5,282 |
| Total domestic deposits to total assets | 87.3307% | 2,084 |
| Equity capital to assets | 12.1905% | 2,098 |
| Core capital (leverage) ratio | 12.2675% | 1,711 |
| Tier 1 risk-based capital ratio | 23.7594% | 1,065 |
| Total risk-based capital ratio | 25.0227% | 1,040 |
| Memoranda: | ||
| Average total assets | $174,037,000 | 3,569 |
| Average earning assets | $164,035,330 | 3,487 |
| Average equity | $21,437,670 | 3,044 |
| Average total loans | $121,532,000 | 3,503 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8915% | 2,841 |
| Cost of funding earning assets | 1.3796% | 6,786 |
| Net interest margin | 4.5119% | 1,107 |
| Noninterest income to average assets | 0.4759% | 4,546 |
| Noninterest expense to average assets | 3.6294% | 1,796 |
| Loan and lease loss provision to assets | 0.1132% | 5,518 |
| Net operating income to assets | 0.9795% | 2,398 |
| Return on assets (ROA) | 0.9795% | 2,526 |
| Pretax return on assets | 0.9795% | 3,427 |
| Return on Equity (ROE) | 7.9106% | 3,186 |
| Retained earnings to average equity (ytd only) | 6.4181% | 2,454 |
| Net charge-offs to loans | 0.1567% | 3,711 |
| Credit loss provision to net charge-offs | 102.0833% | 3,670 |
| Earnings coverage of net charge-offs (x) | 9.8542% | 2,011 |
| Efficiency ratio | 76.8591% | 3,352 |
| Assets per employee ($millions) | 2.3037% | 7,577 |
| Cash dividends to net income (ytd only)* | 18.8679% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5945% | 2,539 |
| Loan loss allowance to noncurrent loans | 353.7205% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.6206% | 5,635 |
| Noncurrent loans to loans | 0.4508% | 6,295 |
| Net loans and leases to total assets | 70.5589% | 3,562 |
| Net loans and leases to deposits | 81.2348% | 4,411 |
| Net loans and leases to core deposits | 98.7318% | 4,673 |
| Total domestic deposits to total assets | 86.8580% | 2,289 |
| Equity capital to assets | 12.6293% | 1,917 |
| Core capital (leverage) ratio | 12.3669% | 1,736 |
| Tier 1 risk-based capital ratio | 22.9032% | 1,206 |
| Total risk-based capital ratio | 24.1635% | 1,173 |
| Memoranda: | ||
| Average total assets | $173,142,500 | 3,603 |
| Average earning assets | $162,948,000 | 3,528 |
| Average equity | $21,439,500 | 3,055 |
| Average total loans | $122,489,500 | 3,506 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2690% | 4,135 |
| Cost of funding earning assets | 1.7117% | 7,232 |
| Net interest margin | 4.5573% | 1,292 |
| Noninterest income to average assets | 0.5046% | 4,590 |
| Noninterest expense to average assets | 3.5512% | 2,264 |
| Loan and lease loss provision to assets | 0.1108% | 5,952 |
| Net operating income to assets | 1.1420% | 1,978 |
| Return on assets (ROA) | 1.1420% | 1,898 |
| Pretax return on assets | 1.1310% | 2,916 |
| Return on Equity (ROE) | 9.2942% | 2,532 |
| Retained earnings to average equity (ytd only) | -4.7077% | 6,464 |
| Net charge-offs to loans | 0.0429% | 6,173 |
| Credit loss provision to net charge-offs | 379.2453% | 1,160 |
| Earnings coverage of net charge-offs (x) | 42.4906% | 871 |
| Efficiency ratio | 74.0911% | 3,556 |
| Assets per employee ($millions) | 2.3441% | 7,496 |
| Cash dividends to net income (ytd only)* | 150.6519% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5870% | 2,301 |
| Loan loss allowance to noncurrent loans | 288.5926% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.5728% | 5,471 |
| Noncurrent loans to loans | 0.5499% | 5,715 |
| Net loans and leases to total assets | 68.7087% | 4,318 |
| Net loans and leases to deposits | 78.7150% | 5,238 |
| Net loans and leases to core deposits | 94.4626% | 5,406 |
| Total domestic deposits to total assets | 87.2879% | 1,802 |
| Equity capital to assets | 12.1433% | 2,194 |
| Core capital (leverage) ratio | 11.6312% | 2,173 |
| Tier 1 risk-based capital ratio | 22.6092% | 1,237 |
| Total risk-based capital ratio | 23.8694% | 1,211 |
| Memoranda: | ||
| Average total assets | $181,344,800 | 3,392 |
| Average earning assets | $170,648,000 | 3,325 |
| Average equity | $22,282,600 | 2,939 |
| Average total loans | $123,490,600 | 3,390 |