Home > The First National Bank of Bellville > Performance and Condition Ratios
The First National Bank of Bellville, 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 | 4.2587% | 3,509 |
| Cost of funding earning assets | 2.5677% | 318 |
| Net interest margin | 1.6910% | 4,477 |
| Noninterest income to average assets | 0.7500% | 1,059 |
| Noninterest expense to average assets | 4.2284% | 320 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | -1.9147% | 4,568 |
| Return on assets (ROA) | -1.9461% | 4,566 |
| Pretax return on assets | -1.9364% | 4,556 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,044 |
| Net charge-offs to loans | 0.0411% | 1,494 |
| Credit loss provision to net charge-offs | -224.4898% | 4,505 |
| Earnings coverage of net charge-offs (x) | -148.9286% | 4,598 |
| Efficiency ratio | 75.4160% | 1,307 |
| Assets per employee ($millions) | 12.6193% | 358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4740% | 1,127 |
| Loan loss allowance to noncurrent loans | 1,231.6498% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.0528% | 3,242 |
| Noncurrent loans to loans | 0.1197% | 2,921 |
| Net loans and leases to total assets | 31.2500% | 4,270 |
| Net loans and leases to deposits | 33.1313% | 4,323 |
| Net loans and leases to core deposits | 40.9811% | 4,273 |
| Total domestic deposits to total assets | 94.3300% | 89 |
| Equity capital to assets | -1.4788% | 4,609 |
| Core capital (leverage) ratio | 11.0635% | 1,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $768,727,200 | 1,217 |
| Average earning assets | $718,153,600 | 1,206 |
| Average equity | $-13,018,200 | 4,590 |
| Average total loans | $238,619,400 | 2,067 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2353% | 3,410 |
| Cost of funding earning assets | 2.3943% | 338 |
| Net interest margin | 1.8410% | 4,475 |
| Noninterest income to average assets | 0.7400% | 1,065 |
| Noninterest expense to average assets | 2.0263% | 3,527 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4232% | 3,924 |
| Return on assets (ROA) | 0.3812% | 3,994 |
| Pretax return on assets | 0.3787% | 4,087 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,110 |
| Net charge-offs to loans | 0.0198% | 1,728 |
| Credit loss provision to net charge-offs | -771.4286% | 4,588 |
| Earnings coverage of net charge-offs (x) | 69.0000% | 1,121 |
| Efficiency ratio | 72.0347% | 1,563 |
| Assets per employee ($millions) | 11.4945% | 435 |
| Cash dividends to net income (ytd only)* | 137.1115% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4678% | 1,200 |
| Loan loss allowance to noncurrent loans | 1,739.8104% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 3,518 |
| Noncurrent loans to loans | 0.0844% | 3,161 |
| Net loans and leases to total assets | 33.5000% | 4,252 |
| Net loans and leases to deposits | 32.9639% | 4,345 |
| Net loans and leases to core deposits | 38.7020% | 4,284 |
| Total domestic deposits to total assets | 101.6200% | 23 |
| Equity capital to assets | -5.9133% | 4,636 |
| Core capital (leverage) ratio | 10.9648% | 2,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3905% | 369 |
| Memoranda: | ||
| Average total assets | $765,310,250 | 1,219 |
| Average earning assets | $711,054,000 | 1,211 |
| Average equity | $-13,380,250 | 4,619 |
| Average total loans | $236,231,500 | 2,073 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0225% | 3,635 |
| Cost of funding earning assets | 2.0649% | 430 |
| Net interest margin | 1.9576% | 4,504 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 1.9977% | 3,608 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5482% | 3,705 |
| Return on assets (ROA) | 0.5622% | 3,682 |
| Pretax return on assets | 0.5604% | 3,870 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,069 |
| Net charge-offs to loans | 0.0268% | 1,353 |
| Credit loss provision to net charge-offs | -870.9677% | 4,615 |
| Earnings coverage of net charge-offs (x) | 68.3226% | 1,123 |
| Efficiency ratio | 68.2892% | 1,948 |
| Assets per employee ($millions) | 12.1188% | 365 |
| Cash dividends to net income (ytd only)* | 137.6778% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5050% | 1,164 |
| Loan loss allowance to noncurrent loans | 10,500.0000% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 3,836 |
| Noncurrent loans to loans | 0.0143% | 3,675 |
| Net loans and leases to total assets | 31.0100% | 4,307 |
| Net loans and leases to deposits | 32.0766% | 4,371 |
| Net loans and leases to core deposits | 36.5314% | 4,315 |
| Total domestic deposits to total assets | 96.6700% | 47 |
| Equity capital to assets | -0.6719% | 4,658 |
| Core capital (leverage) ratio | 11.0688% | 1,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1637% | 384 |
| Memoranda: | ||
| Average total assets | $775,198,667 | 1,205 |
| Average earning assets | $721,487,000 | 1,196 |
| Average equity | $-3,340,000 | 4,644 |
| Average total loans | $231,609,667 | 2,089 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8820% | 3,709 |
| Cost of funding earning assets | 1.8370% | 425 |
| Net interest margin | 2.0450% | 4,551 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 1.9814% | 3,665 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6400% | 3,608 |
| Return on assets (ROA) | 0.6617% | 3,500 |
| Pretax return on assets | 0.6637% | 3,735 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,013 |
| Net charge-offs to loans | 0.0142% | 1,424 |
| Credit loss provision to net charge-offs | -3,375.0000% | 4,675 |
| Earnings coverage of net charge-offs (x) | 155.5000% | 601 |
| Efficiency ratio | 65.6109% | 2,255 |
| Assets per employee ($millions) | 11.8125% | 418 |
| Cash dividends to net income (ytd only)* | 234.0094% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6297% | 949 |
| Loan loss allowance to noncurrent loans | 13,207.1429% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 3,873 |
| Noncurrent loans to loans | 0.0123% | 3,729 |
| Net loans and leases to total assets | 28.2000% | 4,401 |
| Net loans and leases to deposits | 29.3423% | 4,458 |
| Net loans and leases to core deposits | 33.2906% | 4,408 |
| Total domestic deposits to total assets | 96.1200% | 46 |
| Equity capital to assets | 0.1721% | 4,662 |
| Core capital (leverage) ratio | 11.0889% | 1,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7519% | 365 |
| Memoranda: | ||
| Average total assets | $774,996,000 | 1,222 |
| Average earning assets | $720,976,500 | 1,211 |
| Average equity | $-2,404,500 | 4,668 |
| Average total loans | $225,322,000 | 2,137 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6115% | 2,769 |
| Cost of funding earning assets | 0.8767% | 281 |
| Net interest margin | 2.7348% | 4,004 |
| Noninterest income to average assets | 0.7100% | 1,267 |
| Noninterest expense to average assets | 1.8265% | 3,978 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4127% | 1,099 |
| Return on assets (ROA) | 1.4297% | 1,015 |
| Pretax return on assets | 1.4447% | 1,638 |
| Return on Equity (ROE) | 33.2600% | 85 |
| Retained earnings to average equity (ytd only) | 13.6782% | 430 |
| Net charge-offs to loans | 0.0429% | 1,259 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 126.2333% | 863 |
| Efficiency ratio | 51.5870% | 4,019 |
| Assets per employee ($millions) | 11.3217% | 468 |
| Cash dividends to net income (ytd only)* | 58.8804% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7772% | 686 |
| Loan loss allowance to noncurrent loans | 9,246.5116% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 3,863 |
| Noncurrent loans to loans | 0.0192% | 3,678 |
| Net loans and leases to total assets | 28.9700% | 4,410 |
| Net loans and leases to deposits | 29.1181% | 4,488 |
| Net loans and leases to core deposits | 33.5132% | 4,424 |
| Total domestic deposits to total assets | 99.4900% | 16 |
| Equity capital to assets | -0.8135% | 4,715 |
| Core capital (leverage) ratio | 11.1532% | 1,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7550% | 342 |
| Memoranda: | ||
| Average total assets | $795,897,200 | 1,189 |
| Average earning assets | $740,407,000 | 1,180 |
| Average equity | $34,207,800 | 2,146 |
| Average total loans | $209,899,400 | 2,167 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5113% | 2,587 |
| Cost of funding earning assets | 0.6779% | 298 |
| Net interest margin | 2.8334% | 3,663 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 1.7363% | 4,100 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5128% | 825 |
| Return on assets (ROA) | 1.5298% | 764 |
| Pretax return on assets | 1.6166% | 1,079 |
| Return on Equity (ROE) | 27.8100% | 122 |
| Retained earnings to average equity (ytd only) | 7.6412% | 2,135 |
| Net charge-offs to loans | 0.0672% | 823 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 92.8365% | 979 |
| Efficiency ratio | 48.7265% | 4,232 |
| Assets per employee ($millions) | 11.4260% | 454 |
| Cash dividends to net income (ytd only)* | 72.5187% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7692% | 769 |
| Loan loss allowance to noncurrent loans | 13,206.6667% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 3,979 |
| Noncurrent loans to loans | 0.0134% | 3,839 |
| Net loans and leases to total assets | 29.1700% | 4,443 |
| Net loans and leases to deposits | 28.7947% | 4,514 |
| Net loans and leases to core deposits | 33.7478% | 4,451 |
| Total domestic deposits to total assets | 101.3100% | 10 |
| Equity capital to assets | -2.3563% | 4,756 |
| Core capital (leverage) ratio | 10.8752% | 1,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8989% | 385 |
| Memoranda: | ||
| Average total assets | $805,233,000 | 1,186 |
| Average earning assets | $749,603,250 | 1,176 |
| Average equity | $44,302,500 | 1,795 |
| Average total loans | $206,443,000 | 2,194 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3704% | 2,515 |
| Cost of funding earning assets | 0.5416% | 415 |
| Net interest margin | 2.8288% | 3,355 |
| Noninterest income to average assets | 0.6915% | 1,378 |
| Noninterest expense to average assets | 1.5620% | 4,342 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6819% | 447 |
| Return on assets (ROA) | 1.6955% | 426 |
| Pretax return on assets | 1.7797% | 630 |
| Return on Equity (ROE) | 21.4515% | 222 |
| Retained earnings to average equity (ytd only) | 13.1430% | 448 |
| Net charge-offs to loans | 0.0199% | 1,335 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 362.9000% | 348 |
| Efficiency ratio | 46.9444% | 4,397 |
| Assets per employee ($millions) | 11.9543% | 385 |
| Cash dividends to net income (ytd only)* | 38.7319% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8982% | 660 |
| Loan loss allowance to noncurrent loans | 13,051.6129% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 4,021 |
| Noncurrent loans to loans | 0.0145% | 3,858 |
| Net loans and leases to total assets | 26.9100% | 4,541 |
| Net loans and leases to deposits | 27.7912% | 4,587 |
| Net loans and leases to core deposits | 33.0128% | 4,507 |
| Total domestic deposits to total assets | 96.8289% | 57 |
| Equity capital to assets | 1.5016% | 4,742 |
| Core capital (leverage) ratio | 11.0858% | 1,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5656% | 340 |
| Memoranda: | ||
| Average total assets | $822,271,000 | 1,170 |
| Average earning assets | $766,190,000 | 1,169 |
| Average equity | $64,993,000 | 1,360 |
| Average total loans | $200,609,667 | 2,231 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2033% | 2,682 |
| Cost of funding earning assets | 0.4999% | 495 |
| Net interest margin | 2.7034% | 3,392 |
| Noninterest income to average assets | 0.7210% | 1,249 |
| Noninterest expense to average assets | 1.5022% | 4,421 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7455% | 368 |
| Return on assets (ROA) | 1.7640% | 358 |
| Pretax return on assets | 1.7640% | 596 |
| Return on Equity (ROE) | 16.2609% | 507 |
| Retained earnings to average equity (ytd only) | 9.7146% | 1,090 |
| Net charge-offs to loans | 0.0062% | 1,528 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 1,229.0000% | 69 |
| Efficiency ratio | 46.2536% | 4,485 |
| Assets per employee ($millions) | 12.5826% | 341 |
| Cash dividends to net income (ytd only)* | 40.2576% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0695% | 551 |
| Loan loss allowance to noncurrent loans | 12,312.1212% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 4,054 |
| Noncurrent loans to loans | 0.0168% | 3,882 |
| Net loans and leases to total assets | 23.5084% | 4,619 |
| Net loans and leases to deposits | 25.5986% | 4,645 |
| Net loans and leases to core deposits | 30.5733% | 4,571 |
| Total domestic deposits to total assets | 91.8344% | 644 |
| Equity capital to assets | 7.7233% | 3,786 |
| Core capital (leverage) ratio | 10.9986% | 1,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0793% | 327 |
| Memoranda: | ||
| Average total assets | $844,892,500 | 1,141 |
| Average earning assets | $789,686,500 | 1,140 |
| Average equity | $91,655,500 | 1,068 |
| Average total loans | $194,342,500 | 2,271 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1178% | 3,649 |
| Cost of funding earning assets | 0.5693% | 635 |
| Net interest margin | 2.5485% | 4,125 |
| Noninterest income to average assets | 0.5764% | 2,254 |
| Noninterest expense to average assets | 1.4620% | 4,576 |
| Loan and lease loss provision to assets | 0.0415% | 2,221 |
| Net operating income to assets | 1.4207% | 1,213 |
| Return on assets (ROA) | 1.5039% | 1,052 |
| Pretax return on assets | 1.5463% | 1,583 |
| Return on Equity (ROE) | 10.7240% | 2,268 |
| Retained earnings to average equity (ytd only) | 7.3397% | 1,788 |
| Net charge-offs to loans | 0.0097% | 2,197 |
| Credit loss provision to net charge-offs | 1,944.4444% | 317 |
| Earnings coverage of net charge-offs (x) | 703.2778% | 208 |
| Efficiency ratio | 49.3255% | 4,336 |
| Assets per employee ($millions) | 13.2108% | 294 |
| Cash dividends to net income (ytd only)* | 31.5582% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1138% | 509 |
| Loan loss allowance to noncurrent loans | 14,521.4286% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 4,146 |
| Noncurrent loans to loans | 0.0146% | 3,984 |
| Net loans and leases to total assets | 21.5948% | 4,701 |
| Net loans and leases to deposits | 25.2465% | 4,699 |
| Net loans and leases to core deposits | 30.2078% | 4,639 |
| Total domestic deposits to total assets | 85.5357% | 3,075 |
| Equity capital to assets | 13.7793% | 709 |
| Core capital (leverage) ratio | 11.0313% | 1,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2937% | 338 |
| Memoranda: | ||
| Average total assets | $842,804,400 | 1,099 |
| Average earning assets | $789,602,200 | 1,102 |
| Average equity | $118,192,600 | 880 |
| Average total loans | $185,054,600 | 2,344 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1391% | 3,725 |
| Cost of funding earning assets | 0.5924% | 664 |
| Net interest margin | 2.5467% | 4,210 |
| Noninterest income to average assets | 0.5813% | 2,293 |
| Noninterest expense to average assets | 1.4427% | 4,649 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4516% | 1,392 |
| Return on assets (ROA) | 1.5141% | 1,288 |
| Pretax return on assets | 1.5903% | 1,737 |
| Return on Equity (ROE) | 10.7475% | 2,461 |
| Retained earnings to average equity (ytd only) | 8.4820% | 1,883 |
| Net charge-offs to loans | 0.0029% | 2,250 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 2,388.5000% | 61 |
| Efficiency ratio | 48.6206% | 4,324 |
| Assets per employee ($millions) | 16.6860% | 153 |
| Cash dividends to net income (ytd only)* | 21.0793% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0015% | 624 |
| Loan loss allowance to noncurrent loans | 3,730.0000% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 4,147 |
| Noncurrent loans to loans | 0.0537% | 3,839 |
| Net loans and leases to total assets | 21.4609% | 4,777 |
| Net loans and leases to deposits | 25.3977% | 4,776 |
| Net loans and leases to core deposits | 30.7773% | 4,713 |
| Total domestic deposits to total assets | 84.4995% | 3,298 |
| Equity capital to assets | 14.4999% | 635 |
| Core capital (leverage) ratio | 11.0031% | 1,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7104% | 389 |
| Memoranda: | ||
| Average total assets | $835,527,000 | 1,120 |
| Average earning assets | $782,785,000 | 1,121 |
| Average equity | $117,704,750 | 892 |
| Average total loans | $183,229,750 | 2,399 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1529% | 3,763 |
| Cost of funding earning assets | 0.6147% | 691 |
| Net interest margin | 2.5382% | 4,261 |
| Noninterest income to average assets | 0.5788% | 2,301 |
| Noninterest expense to average assets | 1.4654% | 4,656 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4236% | 1,506 |
| Return on assets (ROA) | 1.5133% | 1,321 |
| Pretax return on assets | 1.5846% | 1,780 |
| Return on Equity (ROE) | 10.8506% | 2,480 |
| Retained earnings to average equity (ytd only) | 9.1236% | 1,673 |
| Net charge-offs to loans | -0.0044% | 3,395 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5642% | 4,264 |
| Assets per employee ($millions) | 16.6505% | 155 |
| Cash dividends to net income (ytd only)* | 15.9160% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0670% | 537 |
| Loan loss allowance to noncurrent loans | 12,058.0645% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 4,302 |
| Noncurrent loans to loans | 0.0171% | 4,139 |
| Net loans and leases to total assets | 20.8565% | 4,826 |
| Net loans and leases to deposits | 24.5496% | 4,826 |
| Net loans and leases to core deposits | 29.8114% | 4,778 |
| Total domestic deposits to total assets | 84.9565% | 3,115 |
| Equity capital to assets | 14.1772% | 682 |
| Core capital (leverage) ratio | 10.7703% | 1,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6005% | 397 |
| Memoranda: | ||
| Average total assets | $830,373,333 | 1,121 |
| Average earning assets | $777,878,667 | 1,115 |
| Average equity | $115,809,000 | 898 |
| Average total loans | $182,186,333 | 2,423 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1405% | 3,803 |
| Cost of funding earning assets | 0.6351% | 746 |
| Net interest margin | 2.5054% | 4,291 |
| Noninterest income to average assets | 0.5788% | 2,295 |
| Noninterest expense to average assets | 1.4568% | 4,692 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4690% | 1,396 |
| Return on assets (ROA) | 1.5323% | 1,320 |
| Pretax return on assets | 1.5323% | 1,908 |
| Return on Equity (ROE) | 11.0818% | 2,337 |
| Retained earnings to average equity (ytd only) | 11.0818% | 1,381 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7918% | 4,202 |
| Assets per employee ($millions) | 15.9068% | 168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0518% | 541 |
| Loan loss allowance to noncurrent loans | 11,668.7500% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 4,374 |
| Noncurrent loans to loans | 0.0176% | 4,203 |
| Net loans and leases to total assets | 21.5501% | 4,840 |
| Net loans and leases to deposits | 24.9472% | 4,846 |
| Net loans and leases to core deposits | 29.9615% | 4,811 |
| Total domestic deposits to total assets | 86.3830% | 2,584 |
| Equity capital to assets | 12.9905% | 915 |
| Core capital (leverage) ratio | 10.8530% | 1,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $820,972,500 | 1,119 |
| Average earning assets | $769,059,500 | 1,114 |
| Average equity | $113,519,000 | 904 |
| Average total loans | $182,856,500 | 2,422 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3115% | 4,314 |
| Cost of funding earning assets | 1.0026% | 589 |
| Net interest margin | 2.3089% | 4,717 |
| Noninterest income to average assets | 0.5807% | 2,302 |
| Noninterest expense to average assets | 1.4938% | 4,785 |
| Loan and lease loss provision to assets | 0.1373% | 2,645 |
| Net operating income to assets | 1.0443% | 2,124 |
| Return on assets (ROA) | 1.7383% | 493 |
| Pretax return on assets | 1.8293% | 643 |
| Return on Equity (ROE) | 11.8858% | 1,352 |
| Retained earnings to average equity (ytd only) | 4.8161% | 2,363 |
| Net charge-offs to loans | 0.0347% | 2,352 |
| Credit loss provision to net charge-offs | 1,670.3125% | 506 |
| Earnings coverage of net charge-offs (x) | 150.3594% | 572 |
| Efficiency ratio | 54.7217% | 4,124 |
| Assets per employee ($millions) | 15.6690% | 158 |
| Cash dividends to net income (ytd only)* | 59.4798% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0324% | 546 |
| Loan loss allowance to noncurrent loans | 10,982.3529% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 4,440 |
| Noncurrent loans to loans | 0.0185% | 4,270 |
| Net loans and leases to total assets | 22.0906% | 4,871 |
| Net loans and leases to deposits | 26.2384% | 4,875 |
| Net loans and leases to core deposits | 30.7763% | 4,841 |
| Total domestic deposits to total assets | 84.1920% | 3,053 |
| Equity capital to assets | 14.6769% | 638 |
| Core capital (leverage) ratio | 10.8180% | 1,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $778,565,400 | 1,082 |
| Average earning assets | $724,686,000 | 1,072 |
| Average equity | $113,867,400 | 866 |
| Average total loans | $184,304,200 | 2,375 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4157% | 4,327 |
| Cost of funding earning assets | 1.1088% | 521 |
| Net interest margin | 2.3069% | 4,778 |
| Noninterest income to average assets | 0.5912% | 2,212 |
| Noninterest expense to average assets | 1.4823% | 4,819 |
| Loan and lease loss provision to assets | 0.1246% | 2,777 |
| Net operating income to assets | 1.0670% | 2,084 |
| Return on assets (ROA) | 1.9529% | 359 |
| Pretax return on assets | 2.0712% | 448 |
| Return on Equity (ROE) | 13.3653% | 1,015 |
| Retained earnings to average equity (ytd only) | 8.0884% | 1,275 |
| Net charge-offs to loans | 0.0094% | 2,772 |
| Credit loss provision to net charge-offs | 5,530.7692% | 200 |
| Earnings coverage of net charge-offs (x) | 556.4615% | 215 |
| Efficiency ratio | 54.1833% | 4,126 |
| Assets per employee ($millions) | 15.4180% | 150 |
| Cash dividends to net income (ytd only)* | 39.4819% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8268% | 682 |
| Loan loss allowance to noncurrent loans | 9,541.6667% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 4,503 |
| Noncurrent loans to loans | 0.0191% | 4,342 |
| Net loans and leases to total assets | 23.0247% | 4,902 |
| Net loans and leases to deposits | 27.3892% | 4,908 |
| Net loans and leases to core deposits | 32.0325% | 4,889 |
| Total domestic deposits to total assets | 84.0649% | 2,797 |
| Equity capital to assets | 14.8283% | 676 |
| Core capital (leverage) ratio | 11.1656% | 1,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $769,509,500 | 1,079 |
| Average earning assets | $715,346,500 | 1,066 |
| Average equity | $112,437,750 | 868 |
| Average total loans | $184,448,750 | 2,378 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5628% | 4,325 |
| Cost of funding earning assets | 1.2636% | 415 |
| Net interest margin | 2.2992% | 4,837 |
| Noninterest income to average assets | 0.5904% | 2,166 |
| Noninterest expense to average assets | 1.4782% | 4,862 |
| Loan and lease loss provision to assets | 0.1500% | 2,503 |
| Net operating income to assets | 1.0544% | 2,130 |
| Return on assets (ROA) | 2.0014% | 371 |
| Pretax return on assets | 2.0710% | 480 |
| Return on Equity (ROE) | 13.7693% | 924 |
| Retained earnings to average equity (ytd only) | 7.1503% | 1,594 |
| Net charge-offs to loans | 0.0207% | 2,308 |
| Credit loss provision to net charge-offs | 2,994.7368% | 363 |
| Earnings coverage of net charge-offs (x) | 248.5263% | 373 |
| Efficiency ratio | 54.2885% | 4,147 |
| Assets per employee ($millions) | 15.6882% | 149 |
| Cash dividends to net income (ytd only)* | 48.0706% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7062% | 803 |
| Loan loss allowance to noncurrent loans | 8,407.6923% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 4,569 |
| Noncurrent loans to loans | 0.0203% | 4,412 |
| Net loans and leases to total assets | 24.0818% | 4,927 |
| Net loans and leases to deposits | 28.5364% | 4,938 |
| Net loans and leases to core deposits | 33.5015% | 4,911 |
| Total domestic deposits to total assets | 84.3899% | 2,601 |
| Equity capital to assets | 14.5905% | 712 |
| Core capital (leverage) ratio | 10.7714% | 2,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $758,766,667 | 1,075 |
| Average earning assets | $703,709,333 | 1,069 |
| Average equity | $110,289,000 | 875 |
| Average total loans | $183,254,000 | 2,373 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5311% | 4,604 |
| Cost of funding earning assets | 1.4003% | 398 |
| Net interest margin | 2.1308% | 4,983 |
| Noninterest income to average assets | 0.6027% | 2,029 |
| Noninterest expense to average assets | 1.4832% | 4,931 |
| Loan and lease loss provision to assets | 0.0161% | 3,596 |
| Net operating income to assets | 1.0773% | 1,915 |
| Return on assets (ROA) | 2.4447% | 127 |
| Pretax return on assets | 2.4447% | 182 |
| Return on Equity (ROE) | 16.8526% | 350 |
| Retained earnings to average equity (ytd only) | 9.8291% | 777 |
| Net charge-offs to loans | 0.0268% | 1,839 |
| Credit loss provision to net charge-offs | 250.0000% | 1,279 |
| Earnings coverage of net charge-offs (x) | 169.9167% | 387 |
| Efficiency ratio | 57.5650% | 4,062 |
| Assets per employee ($millions) | 15.6196% | 117 |
| Cash dividends to net income (ytd only)* | 41.6758% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5164% | 1,289 |
| Loan loss allowance to noncurrent loans | 6,867.5000% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 4,618 |
| Noncurrent loans to loans | 0.0221% | 4,482 |
| Net loans and leases to total assets | 23.3099% | 4,983 |
| Net loans and leases to deposits | 28.0738% | 4,991 |
| Net loans and leases to core deposits | 33.6048% | 4,951 |
| Total domestic deposits to total assets | 83.0307% | 3,101 |
| Equity capital to assets | 14.4097% | 923 |
| Core capital (leverage) ratio | 11.1783% | 2,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $745,945,500 | 1,049 |
| Average earning assets | $691,000,000 | 1,050 |
| Average equity | $108,209,000 | 883 |
| Average total loans | $178,791,500 | 2,373 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6883% | 4,690 |
| Cost of funding earning assets | 1.5221% | 372 |
| Net interest margin | 2.1662% | 5,063 |
| Noninterest income to average assets | 0.5849% | 2,299 |
| Noninterest expense to average assets | 1.5329% | 4,990 |
| Loan and lease loss provision to assets | 0.0085% | 3,840 |
| Net operating income to assets | 1.0690% | 2,582 |
| Return on assets (ROA) | 1.2000% | 2,158 |
| Pretax return on assets | 1.1736% | 2,934 |
| Return on Equity (ROE) | 8.4939% | 2,942 |
| Retained earnings to average equity (ytd only) | 0.4525% | 4,559 |
| Net charge-offs to loans | 0.0273% | 2,849 |
| Credit loss provision to net charge-offs | 127.6596% | 1,997 |
| Earnings coverage of net charge-offs (x) | 158.4681% | 475 |
| Efficiency ratio | 59.3228% | 3,787 |
| Assets per employee ($millions) | 14.8272% | 124 |
| Cash dividends to net income (ytd only)* | 94.6725% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5468% | 1,097 |
| Loan loss allowance to noncurrent loans | 369.7832% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.1016% | 4,117 |
| Noncurrent loans to loans | 0.4183% | 2,943 |
| Net loans and leases to total assets | 23.9085% | 5,038 |
| Net loans and leases to deposits | 28.3448% | 5,047 |
| Net loans and leases to core deposits | 34.2583% | 5,010 |
| Total domestic deposits to total assets | 84.3488% | 2,735 |
| Equity capital to assets | 14.6080% | 898 |
| Core capital (leverage) ratio | 11.1971% | 2,339 |
| Tier 1 risk-based capital ratio | 25.1628% | 737 |
| Total risk-based capital ratio | 26.0575% | 748 |
| Memoranda: | ||
| Average total assets | $708,608,000 | 1,054 |
| Average earning assets | $653,902,800 | 1,054 |
| Average equity | $100,106,600 | 904 |
| Average total loans | $172,052,400 | 2,396 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7271% | 4,749 |
| Cost of funding earning assets | 1.5241% | 381 |
| Net interest margin | 2.2031% | 5,146 |
| Noninterest income to average assets | 0.5779% | 2,319 |
| Noninterest expense to average assets | 1.5162% | 5,061 |
| Loan and lease loss provision to assets | 0.0085% | 3,720 |
| Net operating income to assets | 1.1202% | 2,494 |
| Return on assets (ROA) | 1.2903% | 1,978 |
| Pretax return on assets | 1.2556% | 2,796 |
| Return on Equity (ROE) | 9.2141% | 2,797 |
| Retained earnings to average equity (ytd only) | 0.4922% | 4,668 |
| Net charge-offs to loans | 0.0296% | 2,490 |
| Credit loss provision to net charge-offs | 118.4211% | 1,973 |
| Earnings coverage of net charge-offs (x) | 152.0389% | 535 |
| Efficiency ratio | 58.0849% | 3,924 |
| Assets per employee ($millions) | 14.2104% | 140 |
| Cash dividends to net income (ytd only)* | 94.6581% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5725% | 1,054 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 23.9875% | 5,129 |
| Net loans and leases to deposits | 28.5282% | 5,134 |
| Net loans and leases to core deposits | 34.2409% | 5,102 |
| Total domestic deposits to total assets | 84.0836% | 2,789 |
| Equity capital to assets | 14.8966% | 871 |
| Core capital (leverage) ratio | 11.2739% | 2,402 |
| Tier 1 risk-based capital ratio | 25.5605% | 731 |
| Total risk-based capital ratio | 26.4685% | 745 |
| Memoranda: | ||
| Average total assets | $704,126,750 | 1,064 |
| Average earning assets | $649,562,500 | 1,064 |
| Average equity | $98,600,250 | 912 |
| Average total loans | $170,957,500 | 2,436 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7664% | 4,754 |
| Cost of funding earning assets | 1.4932% | 386 |
| Net interest margin | 2.2732% | 5,198 |
| Noninterest income to average assets | 0.5413% | 2,430 |
| Noninterest expense to average assets | 1.5342% | 5,100 |
| Loan and lease loss provision to assets | 0.0085% | 3,568 |
| Net operating income to assets | 1.1442% | 2,349 |
| Return on assets (ROA) | 1.2305% | 2,094 |
| Pretax return on assets | 1.1806% | 2,969 |
| Return on Equity (ROE) | 8.9805% | 2,862 |
| Retained earnings to average equity (ytd only) | 0.3514% | 4,605 |
| Net charge-offs to loans | 0.0294% | 2,270 |
| Credit loss provision to net charge-offs | 120.0000% | 1,736 |
| Earnings coverage of net charge-offs (x) | 154.8400% | 482 |
| Efficiency ratio | 58.1785% | 3,988 |
| Assets per employee ($millions) | 13.5620% | 142 |
| Cash dividends to net income (ytd only)* | 96.0871% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5951% | 1,039 |
| Loan loss allowance to noncurrent loans | 30,233.3333% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 4,823 |
| Noncurrent loans to loans | 0.0053% | 4,710 |
| Net loans and leases to total assets | 23.8024% | 5,176 |
| Net loans and leases to deposits | 28.2219% | 5,184 |
| Net loans and leases to core deposits | 33.2544% | 5,158 |
| Total domestic deposits to total assets | 84.3403% | 2,743 |
| Equity capital to assets | 14.6286% | 913 |
| Core capital (leverage) ratio | 11.1194% | 2,490 |
| Tier 1 risk-based capital ratio | 25.3528% | 721 |
| Total risk-based capital ratio | 26.2549% | 738 |
| Memoranda: | ||
| Average total assets | $701,996,000 | 1,068 |
| Average earning assets | $647,189,670 | 1,067 |
| Average equity | $96,186,000 | 925 |
| Average total loans | $170,223,670 | 2,451 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7778% | 4,740 |
| Cost of funding earning assets | 1.4394% | 397 |
| Net interest margin | 2.3384% | 5,246 |
| Noninterest income to average assets | 0.5380% | 2,352 |
| Noninterest expense to average assets | 1.5157% | 5,160 |
| Loan and lease loss provision to assets | 0.0086% | 3,326 |
| Net operating income to assets | 1.2576% | 1,855 |
| Return on assets (ROA) | 1.2639% | 1,885 |
| Pretax return on assets | 1.1799% | 2,876 |
| Return on Equity (ROE) | 9.5494% | 2,571 |
| Retained earnings to average equity (ytd only) | 0.2719% | 4,475 |
| Net charge-offs to loans | 0.0094% | 2,354 |
| Credit loss provision to net charge-offs | 375.0000% | 719 |
| Earnings coverage of net charge-offs (x) | 517.5000% | 142 |
| Efficiency ratio | 56.1812% | 4,309 |
| Assets per employee ($millions) | 13.7937% | 136 |
| Cash dividends to net income (ytd only)* | 97.1532% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5988% | 1,061 |
| Loan loss allowance to noncurrent loans | 45,450.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 4,897 |
| Noncurrent loans to loans | 0.0035% | 4,793 |
| Net loans and leases to total assets | 23.3994% | 5,243 |
| Net loans and leases to deposits | 27.2386% | 5,243 |
| Net loans and leases to core deposits | 31.5824% | 5,216 |
| Total domestic deposits to total assets | 85.9052% | 2,320 |
| Equity capital to assets | 13.4621% | 1,221 |
| Core capital (leverage) ratio | 11.0554% | 2,523 |
| Tier 1 risk-based capital ratio | 25.3455% | 736 |
| Total risk-based capital ratio | 26.2509% | 746 |
| Memoranda: | ||
| Average total assets | $700,382,500 | 1,081 |
| Average earning assets | $646,932,000 | 1,072 |
| Average equity | $92,697,000 | 945 |
| Average total loans | $170,045,000 | 2,474 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7122% | 4,650 |
| Cost of funding earning assets | 1.1513% | 412 |
| Net interest margin | 2.5609% | 5,179 |
| Noninterest income to average assets | 0.5671% | 2,462 |
| Noninterest expense to average assets | 1.5124% | 5,218 |
| Loan and lease loss provision to assets | 0.0089% | 3,947 |
| Net operating income to assets | 1.3557% | 1,595 |
| Return on assets (ROA) | 1.3659% | 1,537 |
| Pretax return on assets | 1.4185% | 2,076 |
| Return on Equity (ROE) | 10.1937% | 2,444 |
| Retained earnings to average equity (ytd only) | 0.1751% | 4,935 |
| Net charge-offs to loans | 0.0387% | 2,623 |
| Credit loss provision to net charge-offs | 92.3077% | 2,689 |
| Earnings coverage of net charge-offs (x) | 147.7385% | 568 |
| Efficiency ratio | 51.6343% | 4,823 |
| Assets per employee ($millions) | 13.1441% | 150 |
| Cash dividends to net income (ytd only)* | 98.2828% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6021% | 1,028 |
| Loan loss allowance to noncurrent loans | 4,178.4615% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 4,858 |
| Noncurrent loans to loans | 0.0383% | 4,589 |
| Net loans and leases to total assets | 24.4055% | 5,278 |
| Net loans and leases to deposits | 28.2455% | 5,286 |
| Net loans and leases to core deposits | 32.3044% | 5,257 |
| Total domestic deposits to total assets | 86.4050% | 2,052 |
| Equity capital to assets | 12.9971% | 1,351 |
| Core capital (leverage) ratio | 11.4991% | 2,102 |
| Tier 1 risk-based capital ratio | 26.5587% | 640 |
| Total risk-based capital ratio | 27.5047% | 646 |
| Memoranda: | ||
| Average total assets | $677,852,400 | 1,082 |
| Average earning assets | $625,212,600 | 1,079 |
| Average equity | $90,830,400 | 926 |
| Average total loans | $167,938,200 | 2,456 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6959% | 4,661 |
| Cost of funding earning assets | 1.1002% | 401 |
| Net interest margin | 2.5957% | 5,221 |
| Noninterest income to average assets | 0.5450% | 2,588 |
| Noninterest expense to average assets | 1.4791% | 5,290 |
| Loan and lease loss provision to assets | 0.0089% | 3,806 |
| Net operating income to assets | 1.3799% | 1,550 |
| Return on assets (ROA) | 1.3906% | 1,524 |
| Pretax return on assets | 1.4631% | 2,025 |
| Return on Equity (ROE) | 10.2994% | 2,480 |
| Retained earnings to average equity (ytd only) | 0.9562% | 4,863 |
| Net charge-offs to loans | 0.0350% | 2,388 |
| Credit loss provision to net charge-offs | 102.2727% | 2,224 |
| Earnings coverage of net charge-offs (x) | 168.4181% | 496 |
| Efficiency ratio | 50.3118% | 4,926 |
| Assets per employee ($millions) | 12.9562% | 158 |
| Cash dividends to net income (ytd only)* | 90.7158% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6026% | 1,079 |
| Loan loss allowance to noncurrent loans | 365.3691% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.1106% | 4,416 |
| Noncurrent loans to loans | 0.4386% | 3,083 |
| Net loans and leases to total assets | 24.8072% | 5,339 |
| Net loans and leases to deposits | 28.5983% | 5,357 |
| Net loans and leases to core deposits | 33.0649% | 5,327 |
| Total domestic deposits to total assets | 86.7437% | 1,851 |
| Equity capital to assets | 12.6522% | 1,494 |
| Core capital (leverage) ratio | 11.4897% | 2,172 |
| Tier 1 risk-based capital ratio | 27.1123% | 621 |
| Total risk-based capital ratio | 28.0738% | 622 |
| Memoranda: | ||
| Average total assets | $676,442,250 | 1,083 |
| Average earning assets | $624,101,500 | 1,082 |
| Average equity | $91,329,500 | 920 |
| Average total loans | $167,541,250 | 2,473 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6591% | 4,669 |
| Cost of funding earning assets | 1.0395% | 386 |
| Net interest margin | 2.6196% | 5,266 |
| Noninterest income to average assets | 0.5498% | 2,580 |
| Noninterest expense to average assets | 1.4489% | 5,367 |
| Loan and lease loss provision to assets | 0.0089% | 3,669 |
| Net operating income to assets | 1.4353% | 1,328 |
| Return on assets (ROA) | 1.4512% | 1,277 |
| Pretax return on assets | 1.5257% | 1,727 |
| Return on Equity (ROE) | 10.5292% | 2,320 |
| Retained earnings to average equity (ytd only) | 1.5317% | 4,629 |
| Net charge-offs to loans | 0.0228% | 2,417 |
| Credit loss provision to net charge-offs | 157.8947% | 1,526 |
| Earnings coverage of net charge-offs (x) | 270.5263% | 332 |
| Efficiency ratio | 48.8404% | 5,079 |
| Assets per employee ($millions) | 13.6952% | 129 |
| Cash dividends to net income (ytd only)* | 85.4527% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6063% | 1,092 |
| Loan loss allowance to noncurrent loans | 3,331.7073% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 4,981 |
| Noncurrent loans to loans | 0.0482% | 4,700 |
| Net loans and leases to total assets | 24.4387% | 5,406 |
| Net loans and leases to deposits | 28.3303% | 5,413 |
| Net loans and leases to core deposits | 33.4001% | 5,374 |
| Total domestic deposits to total assets | 86.2635% | 2,162 |
| Equity capital to assets | 13.1876% | 1,231 |
| Core capital (leverage) ratio | 11.7325% | 1,882 |
| Tier 1 risk-based capital ratio | 27.2002% | 595 |
| Total risk-based capital ratio | 28.1679% | 604 |
| Memoranda: | ||
| Average total assets | $677,348,330 | 1,082 |
| Average earning assets | $624,912,000 | 1,084 |
| Average equity | $93,359,000 | 895 |
| Average total loans | $166,770,330 | 2,495 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6746% | 4,525 |
| Cost of funding earning assets | 0.9816% | 402 |
| Net interest margin | 2.6930% | 5,262 |
| Noninterest income to average assets | 0.5540% | 2,507 |
| Noninterest expense to average assets | 1.4738% | 5,416 |
| Loan and lease loss provision to assets | 0.0089% | 3,400 |
| Net operating income to assets | 1.4765% | 1,127 |
| Return on assets (ROA) | 1.5052% | 1,069 |
| Pretax return on assets | 1.5860% | 1,430 |
| Return on Equity (ROE) | 10.6864% | 2,091 |
| Retained earnings to average equity (ytd only) | 3.0984% | 3,965 |
| Net charge-offs to loans | 0.0266% | 1,964 |
| Credit loss provision to net charge-offs | 136.3636% | 1,290 |
| Earnings coverage of net charge-offs (x) | 239.5455% | 282 |
| Efficiency ratio | 48.5050% | 5,172 |
| Assets per employee ($millions) | 13.0705% | 152 |
| Cash dividends to net income (ytd only)* | 71.0059% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6474% | 1,058 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 24.4054% | 5,461 |
| Net loans and leases to deposits | 28.4642% | 5,465 |
| Net loans and leases to core deposits | 32.7135% | 5,426 |
| Total domestic deposits to total assets | 85.7407% | 2,658 |
| Equity capital to assets | 13.7440% | 967 |
| Core capital (leverage) ratio | 11.6089% | 1,923 |
| Tier 1 risk-based capital ratio | 27.5012% | 589 |
| Total risk-based capital ratio | 28.4771% | 594 |
| Memoranda: | ||
| Average total assets | $673,643,000 | 1,103 |
| Average earning assets | $621,462,000 | 1,099 |
| Average equity | $94,887,000 | 893 |
| Average total loans | $165,116,500 | 2,525 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5698% | 4,637 |
| Cost of funding earning assets | 0.8966% | 379 |
| Net interest margin | 2.6732% | 5,299 |
| Noninterest income to average assets | 0.6432% | 2,236 |
| Noninterest expense to average assets | 1.6037% | 5,413 |
| Loan and lease loss provision to assets | 0.0921% | 2,357 |
| Net operating income to assets | 2.0378% | 260 |
| Return on assets (ROA) | 2.1013% | 239 |
| Pretax return on assets | 1.4939% | 1,665 |
| Return on Equity (ROE) | 15.6163% | 527 |
| Retained earnings to average equity (ytd only) | 11.7793% | 192 |
| Net charge-offs to loans | 0.0342% | 3,104 |
| Credit loss provision to net charge-offs | 1,169.8113% | 317 |
| Earnings coverage of net charge-offs (x) | 193.3585% | 409 |
| Efficiency ratio | 51.2974% | 5,145 |
| Assets per employee ($millions) | 13.6138% | 129 |
| Cash dividends to net income (ytd only)* | 24.5705% | 3,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6509% | 1,034 |
| Loan loss allowance to noncurrent loans | 272,100.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0001% | 5,205 |
| Noncurrent loans to loans | 0.0006% | 5,078 |
| Net loans and leases to total assets | 23.8143% | 5,535 |
| Net loans and leases to deposits | 28.0202% | 5,540 |
| Net loans and leases to core deposits | 32.1103% | 5,504 |
| Total domestic deposits to total assets | 84.9897% | 2,840 |
| Equity capital to assets | 14.4203% | 800 |
| Core capital (leverage) ratio | 11.8980% | 1,665 |
| Tier 1 risk-based capital ratio | 27.7742% | 554 |
| Total risk-based capital ratio | 28.7681% | 559 |
| Memoranda: | ||
| Average total assets | $673,074,600 | 1,086 |
| Average earning assets | $625,216,600 | 1,081 |
| Average equity | $90,565,600 | 900 |
| Average total loans | $154,754,200 | 2,602 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5794% | 4,609 |
| Cost of funding earning assets | 0.8917% | 368 |
| Net interest margin | 2.6876% | 5,333 |
| Noninterest income to average assets | 0.6405% | 2,251 |
| Noninterest expense to average assets | 1.5821% | 5,466 |
| Loan and lease loss provision to assets | 0.0179% | 3,791 |
| Net operating income to assets | 1.2991% | 1,336 |
| Return on assets (ROA) | 1.3540% | 1,216 |
| Pretax return on assets | 1.6067% | 1,396 |
| Return on Equity (ROE) | 10.2492% | 2,015 |
| Retained earnings to average equity (ytd only) | 7.3546% | 1,515 |
| Net charge-offs to loans | 0.0701% | 2,123 |
| Credit loss provision to net charge-offs | 112.5000% | 2,107 |
| Earnings coverage of net charge-offs (x) | 98.1162% | 696 |
| Efficiency ratio | 50.3636% | 5,222 |
| Assets per employee ($millions) | 13.2973% | 131 |
| Cash dividends to net income (ytd only)* | 28.2424% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3664% | 2,043 |
| Loan loss allowance to noncurrent loans | 18,033.3333% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 5,268 |
| Noncurrent loans to loans | 0.0076% | 5,112 |
| Net loans and leases to total assets | 23.4941% | 5,608 |
| Net loans and leases to deposits | 27.5975% | 5,613 |
| Net loans and leases to core deposits | 31.9546% | 5,579 |
| Total domestic deposits to total assets | 85.1313% | 2,664 |
| Equity capital to assets | 14.2515% | 923 |
| Core capital (leverage) ratio | 10.8421% | 2,603 |
| Tier 1 risk-based capital ratio | 26.9063% | 625 |
| Total risk-based capital ratio | 27.7353% | 633 |
| Memoranda: | ||
| Average total assets | $671,171,250 | 1,095 |
| Average earning assets | $624,526,500 | 1,085 |
| Average equity | $88,667,750 | 917 |
| Average total loans | $152,237,250 | 2,648 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5665% | 4,599 |
| Cost of funding earning assets | 0.8834% | 340 |
| Net interest margin | 2.6831% | 5,376 |
| Noninterest income to average assets | 0.6315% | 2,307 |
| Noninterest expense to average assets | 1.5637% | 5,521 |
| Loan and lease loss provision to assets | 0.0178% | 3,608 |
| Net operating income to assets | 1.3046% | 1,283 |
| Return on assets (ROA) | 1.3418% | 1,218 |
| Pretax return on assets | 1.5907% | 1,377 |
| Return on Equity (ROE) | 10.4271% | 1,871 |
| Retained earnings to average equity (ytd only) | 5.9834% | 2,126 |
| Net charge-offs to loans | 0.0120% | 3,036 |
| Credit loss provision to net charge-offs | 666.6667% | 519 |
| Earnings coverage of net charge-offs (x) | 585.1111% | 137 |
| Efficiency ratio | 49.9905% | 5,308 |
| Assets per employee ($millions) | 13.8974% | 109 |
| Cash dividends to net income (ytd only)* | 42.6168% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4325% | 1,806 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 22.2802% | 5,670 |
| Net loans and leases to deposits | 25.9576% | 5,672 |
| Net loans and leases to core deposits | 30.3267% | 5,638 |
| Total domestic deposits to total assets | 85.8329% | 2,458 |
| Equity capital to assets | 13.5685% | 1,122 |
| Core capital (leverage) ratio | 10.3078% | 3,136 |
| Tier 1 risk-based capital ratio | 26.5084% | 638 |
| Total risk-based capital ratio | 27.3689% | 648 |
| Memoranda: | ||
| Average total assets | $673,273,330 | 1,088 |
| Average earning assets | $626,436,000 | 1,077 |
| Average equity | $86,639,330 | 946 |
| Average total loans | $150,193,670 | 2,676 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5512% | 4,550 |
| Cost of funding earning assets | 0.8823% | 311 |
| Net interest margin | 2.6688% | 5,424 |
| Noninterest income to average assets | 0.6382% | 2,233 |
| Noninterest expense to average assets | 1.5631% | 5,593 |
| Loan and lease loss provision to assets | 0.0179% | 3,337 |
| Net operating income to assets | 1.2982% | 1,249 |
| Return on assets (ROA) | 1.3187% | 1,226 |
| Pretax return on assets | 1.5631% | 1,329 |
| Return on Equity (ROE) | 10.5396% | 1,719 |
| Retained earnings to average equity (ytd only) | 10.5396% | 689 |
| Net charge-offs to loans | 0.0135% | 2,533 |
| Credit loss provision to net charge-offs | 600.0000% | 507 |
| Earnings coverage of net charge-offs (x) | 521.0000% | 106 |
| Efficiency ratio | 50.1053% | 5,369 |
| Assets per employee ($millions) | 13.9382% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4525% | 1,860 |
| Loan loss allowance to noncurrent loans | 2,625.3012% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 5,309 |
| Noncurrent loans to loans | 0.0553% | 4,974 |
| Net loans and leases to total assets | 21.6469% | 5,732 |
| Net loans and leases to deposits | 24.8919% | 5,737 |
| Net loans and leases to core deposits | 29.0591% | 5,704 |
| Total domestic deposits to total assets | 86.9636% | 2,234 |
| Equity capital to assets | 12.5289% | 1,507 |
| Core capital (leverage) ratio | 10.2850% | 3,134 |
| Tier 1 risk-based capital ratio | 25.2846% | 751 |
| Total risk-based capital ratio | 26.1005% | 775 |
| Memoranda: | ||
| Average total assets | $669,423,500 | 1,097 |
| Average earning assets | $622,442,500 | 1,084 |
| Average equity | $83,760,000 | 974 |
| Average total loans | $148,327,000 | 2,717 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5170% | 4,744 |
| Cost of funding earning assets | 0.9050% | 287 |
| Net interest margin | 2.6119% | 5,505 |
| Noninterest income to average assets | 0.6125% | 2,597 |
| Noninterest expense to average assets | 1.5751% | 5,666 |
| Loan and lease loss provision to assets | 0.0138% | 4,108 |
| Net operating income to assets | 1.2218% | 1,433 |
| Return on assets (ROA) | 1.3590% | 1,131 |
| Pretax return on assets | 1.6130% | 1,241 |
| Return on Equity (ROE) | 9.8183% | 2,045 |
| Retained earnings to average equity (ytd only) | 6.7622% | 1,324 |
| Net charge-offs to loans | 0.0348% | 3,334 |
| Credit loss provision to net charge-offs | 180.0000% | 1,554 |
| Earnings coverage of net charge-offs (x) | 190.2800% | 352 |
| Efficiency ratio | 51.8376% | 5,393 |
| Assets per employee ($millions) | 13.3852% | 120 |
| Cash dividends to net income (ytd only)* | 31.1262% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4690% | 1,799 |
| Loan loss allowance to noncurrent loans | 2,595.1807% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 5,351 |
| Noncurrent loans to loans | 0.0566% | 5,023 |
| Net loans and leases to total assets | 22.0284% | 5,785 |
| Net loans and leases to deposits | 25.3079% | 5,793 |
| Net loans and leases to core deposits | 29.5338% | 5,756 |
| Total domestic deposits to total assets | 87.0419% | 2,122 |
| Equity capital to assets | 12.4949% | 1,528 |
| Core capital (leverage) ratio | 10.3576% | 3,044 |
| Tier 1 risk-based capital ratio | 25.2490% | 751 |
| Total risk-based capital ratio | 26.0817% | 771 |
| Memoranda: | ||
| Average total assets | $650,101,200 | 1,094 |
| Average earning assets | $603,841,000 | 1,078 |
| Average equity | $89,985,000 | 887 |
| Average total loans | $143,771,200 | 2,732 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5401% | 4,708 |
| Cost of funding earning assets | 0.9087% | 277 |
| Net interest margin | 2.6314% | 5,563 |
| Noninterest income to average assets | 0.6214% | 2,566 |
| Noninterest expense to average assets | 1.5617% | 5,719 |
| Loan and lease loss provision to assets | 0.0123% | 4,001 |
| Net operating income to assets | 1.2555% | 1,435 |
| Return on assets (ROA) | 1.4144% | 1,090 |
| Pretax return on assets | 1.6816% | 1,170 |
| Return on Equity (ROE) | 9.9729% | 2,064 |
| Retained earnings to average equity (ytd only) | 8.2337% | 1,073 |
| Net charge-offs to loans | 0.0075% | 3,657 |
| Credit loss provision to net charge-offs | 750.0000% | 525 |
| Earnings coverage of net charge-offs (x) | 914.8163% | 94 |
| Efficiency ratio | 50.9283% | 5,444 |
| Assets per employee ($millions) | 13.5022% | 113 |
| Cash dividends to net income (ytd only)* | 17.4393% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5212% | 1,687 |
| Loan loss allowance to noncurrent loans | 829.8851% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.0394% | 5,318 |
| Noncurrent loans to loans | 0.1833% | 4,615 |
| Net loans and leases to total assets | 21.1947% | 5,856 |
| Net loans and leases to deposits | 25.1311% | 5,856 |
| Net loans and leases to core deposits | 29.4602% | 5,830 |
| Total domestic deposits to total assets | 84.3366% | 3,081 |
| Equity capital to assets | 14.7518% | 800 |
| Core capital (leverage) ratio | 10.3748% | 3,133 |
| Tier 1 risk-based capital ratio | 26.0259% | 717 |
| Total risk-based capital ratio | 26.8945% | 731 |
| Memoranda: | ||
| Average total assets | $648,657,750 | 1,096 |
| Average earning assets | $602,759,500 | 1,086 |
| Average equity | $91,993,500 | 876 |
| Average total loans | $143,055,750 | 2,735 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5975% | 4,596 |
| Cost of funding earning assets | 0.9119% | 275 |
| Net interest margin | 2.6856% | 5,588 |
| Noninterest income to average assets | 0.6270% | 2,477 |
| Noninterest expense to average assets | 1.5728% | 5,781 |
| Loan and lease loss provision to assets | 0.0093% | 3,904 |
| Net operating income to assets | 1.2866% | 1,314 |
| Return on assets (ROA) | 1.4250% | 1,058 |
| Pretax return on assets | 1.7034% | 1,081 |
| Return on Equity (ROE) | 10.1881% | 1,967 |
| Retained earnings to average equity (ytd only) | 7.5251% | 1,369 |
| Net charge-offs to loans | 0.0056% | 3,501 |
| Credit loss provision to net charge-offs | 750.0000% | 469 |
| Earnings coverage of net charge-offs (x) | 1,246.7500% | 35 |
| Efficiency ratio | 50.3979% | 5,539 |
| Assets per employee ($millions) | 13.4916% | 112 |
| Cash dividends to net income (ytd only)* | 26.1381% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5004% | 1,863 |
| Loan loss allowance to noncurrent loans | 807.5472% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.0401% | 5,417 |
| Noncurrent loans to loans | 0.1858% | 4,689 |
| Net loans and leases to total assets | 21.2515% | 5,925 |
| Net loans and leases to deposits | 25.1877% | 5,932 |
| Net loans and leases to core deposits | 29.6337% | 5,900 |
| Total domestic deposits to total assets | 84.3724% | 3,130 |
| Equity capital to assets | 14.6424% | 831 |
| Core capital (leverage) ratio | 10.0053% | 3,555 |
| Tier 1 risk-based capital ratio | 24.9896% | 811 |
| Total risk-based capital ratio | 25.8439% | 834 |
| Memoranda: | ||
| Average total assets | $644,341,000 | 1,107 |
| Average earning assets | $598,302,670 | 1,094 |
| Average equity | $90,125,000 | 891 |
| Average total loans | $143,277,000 | 2,732 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6461% | 4,483 |
| Cost of funding earning assets | 0.9136% | 274 |
| Net interest margin | 2.7325% | 5,566 |
| Noninterest income to average assets | 0.6365% | 2,336 |
| Noninterest expense to average assets | 1.6032% | 5,829 |
| Loan and lease loss provision to assets | 0.0094% | 3,568 |
| Net operating income to assets | 1.3076% | 1,236 |
| Return on assets (ROA) | 1.4265% | 1,038 |
| Pretax return on assets | 1.7013% | 1,066 |
| Return on Equity (ROE) | 10.4531% | 1,794 |
| Retained earnings to average equity (ytd only) | 10.4531% | 750 |
| Net charge-offs to loans | -0.0056% | 4,322 |
| Credit loss provision to net charge-offs | -750.0000% | 4,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5353% | 5,594 |
| Assets per employee ($millions) | 13.2354% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4779% | 2,079 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 21.9044% | 5,971 |
| Net loans and leases to deposits | 25.5900% | 5,977 |
| Net loans and leases to core deposits | 30.4055% | 5,941 |
| Total domestic deposits to total assets | 85.5976% | 2,865 |
| Equity capital to assets | 13.6748% | 1,105 |
| Core capital (leverage) ratio | 10.0750% | 3,443 |
| Tier 1 risk-based capital ratio | 24.7790% | 837 |
| Total risk-based capital ratio | 25.6380% | 863 |
| Memoranda: | ||
| Average total assets | $635,967,500 | 1,114 |
| Average earning assets | $590,220,000 | 1,109 |
| Average equity | $86,788,000 | 919 |
| Average total loans | $143,600,000 | 2,730 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7364% | 4,248 |
| Cost of funding earning assets | 0.8575% | 355 |
| Net interest margin | 2.8789% | 5,374 |
| Noninterest income to average assets | 0.6035% | 2,700 |
| Noninterest expense to average assets | 1.5924% | 5,924 |
| Loan and lease loss provision to assets | 0.0102% | 4,201 |
| Net operating income to assets | 1.3084% | 1,248 |
| Return on assets (ROA) | 1.4548% | 968 |
| Pretax return on assets | 1.8512% | 722 |
| Return on Equity (ROE) | 10.8114% | 1,679 |
| Retained earnings to average equity (ytd only) | 8.0444% | 900 |
| Net charge-offs to loans | 0.0483% | 3,239 |
| Credit loss provision to net charge-offs | 89.5522% | 2,768 |
| Earnings coverage of net charge-offs (x) | 147.8060% | 426 |
| Efficiency ratio | 48.7210% | 5,815 |
| Assets per employee ($millions) | 11.7622% | 162 |
| Cash dividends to net income (ytd only)* | 25.5933% | 3,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4782% | 2,110 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 22.6014% | 6,024 |
| Net loans and leases to deposits | 26.3477% | 6,032 |
| Net loans and leases to core deposits | 31.3939% | 5,990 |
| Total domestic deposits to total assets | 85.7815% | 2,741 |
| Equity capital to assets | 13.6173% | 1,079 |
| Core capital (leverage) ratio | 10.1095% | 3,375 |
| Tier 1 risk-based capital ratio | 24.3304% | 883 |
| Total risk-based capital ratio | 25.1994% | 918 |
| Memoranda: | ||
| Average total assets | $590,874,400 | 1,156 |
| Average earning assets | $546,942,800 | 1,154 |
| Average equity | $79,508,400 | 958 |
| Average total loans | $138,829,600 | 2,737 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7591% | 4,225 |
| Cost of funding earning assets | 0.8466% | 382 |
| Net interest margin | 2.9124% | 5,386 |
| Noninterest income to average assets | 0.6070% | 2,701 |
| Noninterest expense to average assets | 1.6018% | 5,976 |
| Loan and lease loss provision to assets | 0.0103% | 4,064 |
| Net operating income to assets | 1.3669% | 1,192 |
| Return on assets (ROA) | 1.5377% | 908 |
| Pretax return on assets | 1.9015% | 714 |
| Return on Equity (ROE) | 11.4646% | 1,543 |
| Retained earnings to average equity (ytd only) | 9.5883% | 717 |
| Net charge-offs to loans | 0.0503% | 2,896 |
| Credit loss provision to net charge-offs | 86.5385% | 2,515 |
| Earnings coverage of net charge-offs (x) | 142.9648% | 479 |
| Efficiency ratio | 48.5002% | 5,850 |
| Assets per employee ($millions) | 12.7324% | 128 |
| Cash dividends to net income (ytd only)* | 16.3666% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5140% | 2,098 |
| Loan loss allowance to noncurrent loans | 1,363.8710% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 5,694 |
| Noncurrent loans to loans | 0.1110% | 5,188 |
| Net loans and leases to total assets | 22.9803% | 6,104 |
| Net loans and leases to deposits | 26.6829% | 6,121 |
| Net loans and leases to core deposits | 31.6185% | 6,075 |
| Total domestic deposits to total assets | 86.1238% | 2,467 |
| Equity capital to assets | 13.4073% | 1,273 |
| Core capital (leverage) ratio | 10.1151% | 3,480 |
| Tier 1 risk-based capital ratio | 24.5446% | 895 |
| Total risk-based capital ratio | 25.4382% | 916 |
| Memoranda: | ||
| Average total assets | $582,743,250 | 1,175 |
| Average earning assets | $539,376,250 | 1,175 |
| Average equity | $78,163,000 | 977 |
| Average total loans | $137,784,250 | 2,769 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7377% | 4,288 |
| Cost of funding earning assets | 0.8363% | 415 |
| Net interest margin | 2.9015% | 5,441 |
| Noninterest income to average assets | 0.5853% | 2,820 |
| Noninterest expense to average assets | 1.6242% | 6,038 |
| Loan and lease loss provision to assets | 0.0104% | 3,900 |
| Net operating income to assets | 1.3229% | 1,257 |
| Return on assets (ROA) | 1.5546% | 855 |
| Pretax return on assets | 1.9234% | 702 |
| Return on Equity (ROE) | 11.5885% | 1,502 |
| Retained earnings to average equity (ytd only) | 8.7488% | 1,010 |
| Net charge-offs to loans | 0.0160% | 3,385 |
| Credit loss provision to net charge-offs | 272.7273% | 989 |
| Earnings coverage of net charge-offs (x) | 432.5455% | 152 |
| Efficiency ratio | 49.6401% | 5,866 |
| Assets per employee ($millions) | 12.2919% | 139 |
| Cash dividends to net income (ytd only)* | 24.5043% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5347% | 2,139 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 23.2709% | 6,172 |
| Net loans and leases to deposits | 27.6329% | 6,175 |
| Net loans and leases to core deposits | 33.6693% | 6,113 |
| Total domestic deposits to total assets | 84.2144% | 3,481 |
| Equity capital to assets | 12.5591% | 1,627 |
| Core capital (leverage) ratio | 9.8290% | 3,828 |
| Tier 1 risk-based capital ratio | 23.1662% | 1,058 |
| Total risk-based capital ratio | 24.0557% | 1,084 |
| Memoranda: | ||
| Average total assets | $577,517,330 | 1,189 |
| Average earning assets | $534,766,670 | 1,188 |
| Average equity | $77,473,330 | 988 |
| Average total loans | $137,168,000 | 2,787 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7170% | 4,307 |
| Cost of funding earning assets | 0.8241% | 441 |
| Net interest margin | 2.8929% | 5,471 |
| Noninterest income to average assets | 0.5791% | 2,780 |
| Noninterest expense to average assets | 1.6259% | 6,090 |
| Loan and lease loss provision to assets | 0.0105% | 3,588 |
| Net operating income to assets | 1.3074% | 1,251 |
| Return on assets (ROA) | 1.6245% | 718 |
| Pretax return on assets | 2.0159% | 570 |
| Return on Equity (ROE) | 11.7231% | 1,421 |
| Retained earnings to average equity (ytd only) | 11.7231% | 609 |
| Net charge-offs to loans | 0.0294% | 2,593 |
| Credit loss provision to net charge-offs | 150.0000% | 1,240 |
| Earnings coverage of net charge-offs (x) | 233.5000% | 240 |
| Efficiency ratio | 49.8604% | 5,924 |
| Assets per employee ($millions) | 10.9121% | 202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5727% | 2,151 |
| Loan loss allowance to noncurrent loans | 1,486.7133% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 5,844 |
| Noncurrent loans to loans | 0.1058% | 5,381 |
| Net loans and leases to total assets | 22.5802% | 6,239 |
| Net loans and leases to deposits | 26.3304% | 6,243 |
| Net loans and leases to core deposits | 32.1134% | 6,182 |
| Total domestic deposits to total assets | 85.7571% | 3,063 |
| Equity capital to assets | 13.6566% | 1,105 |
| Core capital (leverage) ratio | 10.0117% | 3,582 |
| Tier 1 risk-based capital ratio | 24.0886% | 985 |
| Total risk-based capital ratio | 25.0271% | 1,003 |
| Memoranda: | ||
| Average total assets | $571,270,000 | 1,206 |
| Average earning assets | $529,573,500 | 1,206 |
| Average equity | $79,160,000 | 971 |
| Average total loans | $136,031,500 | 2,804 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0385% | 3,569 |
| Cost of funding earning assets | 0.9102% | 370 |
| Net interest margin | 3.1282% | 5,136 |
| Noninterest income to average assets | 0.7120% | 2,245 |
| Noninterest expense to average assets | 1.7429% | 6,122 |
| Loan and lease loss provision to assets | 0.0114% | 4,397 |
| Net operating income to assets | 1.4773% | 918 |
| Return on assets (ROA) | 1.5161% | 884 |
| Pretax return on assets | 1.8694% | 682 |
| Return on Equity (ROE) | 11.9653% | 1,423 |
| Retained earnings to average equity (ytd only) | 8.5261% | 819 |
| Net charge-offs to loans | 0.0430% | 3,962 |
| Credit loss provision to net charge-offs | 105.2632% | 2,277 |
| Earnings coverage of net charge-offs (x) | 169.7193% | 315 |
| Efficiency ratio | 48.7416% | 6,153 |
| Assets per employee ($millions) | 11.7720% | 151 |
| Cash dividends to net income (ytd only)* | 28.7428% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5495% | 2,257 |
| Loan loss allowance to noncurrent loans | 1,493.6620% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 5,942 |
| Noncurrent loans to loans | 0.1037% | 5,479 |
| Net loans and leases to total assets | 24.3565% | 6,307 |
| Net loans and leases to deposits | 28.5058% | 6,312 |
| Net loans and leases to core deposits | 33.7544% | 6,245 |
| Total domestic deposits to total assets | 85.4442% | 3,107 |
| Equity capital to assets | 14.0701% | 930 |
| Core capital (leverage) ratio | 10.0996% | 3,436 |
| Tier 1 risk-based capital ratio | 24.0066% | 956 |
| Total risk-based capital ratio | 24.9717% | 966 |
| Memoranda: | ||
| Average total assets | $527,804,000 | 1,273 |
| Average earning assets | $483,178,800 | 1,272 |
| Average equity | $66,876,800 | 1,106 |
| Average total loans | $132,666,400 | 2,813 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0935% | 3,410 |
| Cost of funding earning assets | 0.9228% | 357 |
| Net interest margin | 3.1707% | 5,053 |
| Noninterest income to average assets | 0.7267% | 2,201 |
| Noninterest expense to average assets | 1.7495% | 6,156 |
| Loan and lease loss provision to assets | 0.0115% | 4,190 |
| Net operating income to assets | 1.5286% | 881 |
| Return on assets (ROA) | 1.5639% | 857 |
| Pretax return on assets | 1.9034% | 716 |
| Return on Equity (ROE) | 12.7147% | 1,294 |
| Retained earnings to average equity (ytd only) | 10.5319% | 583 |
| Net charge-offs to loans | 0.0446% | 3,600 |
| Credit loss provision to net charge-offs | 102.2727% | 2,158 |
| Earnings coverage of net charge-offs (x) | 166.3728% | 377 |
| Efficiency ratio | 48.3090% | 6,186 |
| Assets per employee ($millions) | 10.7759% | 196 |
| Cash dividends to net income (ytd only)* | 17.1682% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5552% | 2,483 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 24.8944% | 6,371 |
| Net loans and leases to deposits | 28.9086% | 6,382 |
| Net loans and leases to core deposits | 34.7516% | 6,304 |
| Total domestic deposits to total assets | 86.1142% | 2,796 |
| Equity capital to assets | 13.4114% | 1,225 |
| Core capital (leverage) ratio | 10.0446% | 3,612 |
| Tier 1 risk-based capital ratio | 23.7759% | 1,015 |
| Total risk-based capital ratio | 24.7436% | 1,036 |
| Memoranda: | ||
| Average total assets | $521,433,750 | 1,298 |
| Average earning assets | $476,056,250 | 1,299 |
| Average equity | $64,134,000 | 1,151 |
| Average total loans | $131,612,500 | 2,839 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1302% | 3,230 |
| Cost of funding earning assets | 0.9325% | 348 |
| Net interest margin | 3.1977% | 4,955 |
| Noninterest income to average assets | 0.7342% | 2,119 |
| Noninterest expense to average assets | 1.7621% | 6,193 |
| Loan and lease loss provision to assets | 0.0116% | 4,014 |
| Net operating income to assets | 1.5177% | 842 |
| Return on assets (ROA) | 1.5476% | 830 |
| Pretax return on assets | 1.9075% | 674 |
| Return on Equity (ROE) | 12.9914% | 1,180 |
| Retained earnings to average equity (ytd only) | 9.5726% | 825 |
| Net charge-offs to loans | 0.0323% | 3,553 |
| Credit loss provision to net charge-offs | 142.8571% | 1,500 |
| Earnings coverage of net charge-offs (x) | 231.0952% | 294 |
| Efficiency ratio | 48.3504% | 6,273 |
| Assets per employee ($millions) | 12.3219% | 124 |
| Cash dividends to net income (ytd only)* | 26.3158% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5860% | 2,521 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 24.9095% | 6,432 |
| Net loans and leases to deposits | 28.7998% | 6,446 |
| Net loans and leases to core deposits | 34.8945% | 6,356 |
| Total domestic deposits to total assets | 86.4918% | 2,762 |
| Equity capital to assets | 13.0418% | 1,350 |
| Core capital (leverage) ratio | 9.7417% | 3,977 |
| Tier 1 risk-based capital ratio | 22.6402% | 1,162 |
| Total risk-based capital ratio | 23.6050% | 1,188 |
| Memoranda: | ||
| Average total assets | $515,646,670 | 1,308 |
| Average earning assets | $469,270,670 | 1,309 |
| Average equity | $61,425,330 | 1,190 |
| Average total loans | $130,067,000 | 2,870 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1403% | 3,133 |
| Cost of funding earning assets | 0.9500% | 341 |
| Net interest margin | 3.1904% | 4,952 |
| Noninterest income to average assets | 0.7425% | 1,979 |
| Noninterest expense to average assets | 1.7800% | 6,246 |
| Loan and lease loss provision to assets | 0.0118% | 3,675 |
| Net operating income to assets | 1.4473% | 903 |
| Return on assets (ROA) | 1.4653% | 897 |
| Pretax return on assets | 1.8633% | 707 |
| Return on Equity (ROE) | 12.9403% | 1,174 |
| Retained earnings to average equity (ytd only) | 12.9403% | 488 |
| Net charge-offs to loans | 0.0406% | 2,815 |
| Credit loss provision to net charge-offs | 115.3846% | 1,494 |
| Earnings coverage of net charge-offs (x) | 181.1538% | 272 |
| Efficiency ratio | 49.0039% | 6,315 |
| Assets per employee ($millions) | 11.3246% | 164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6603% | 2,469 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 24.1038% | 6,508 |
| Net loans and leases to deposits | 27.4677% | 6,517 |
| Net loans and leases to core deposits | 33.0741% | 6,430 |
| Total domestic deposits to total assets | 87.7533% | 2,382 |
| Equity capital to assets | 11.7384% | 2,067 |
| Core capital (leverage) ratio | 9.6469% | 4,066 |
| Tier 1 risk-based capital ratio | 22.1598% | 1,267 |
| Total risk-based capital ratio | 23.1222% | 1,287 |
| Memoranda: | ||
| Average total assets | $508,549,000 | 1,329 |
| Average earning assets | $460,639,000 | 1,338 |
| Average equity | $57,587,500 | 1,262 |
| Average total loans | $128,046,500 | 2,908 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2047% | 3,332 |
| Cost of funding earning assets | 0.9680% | 531 |
| Net interest margin | 3.2367% | 4,869 |
| Noninterest income to average assets | 0.6537% | 2,790 |
| Noninterest expense to average assets | 1.6822% | 6,465 |
| Loan and lease loss provision to assets | 0.0124% | 4,876 |
| Net operating income to assets | 1.6810% | 599 |
| Return on assets (ROA) | 1.7879% | 511 |
| Pretax return on assets | 2.0187% | 453 |
| Return on Equity (ROE) | 14.4302% | 862 |
| Retained earnings to average equity (ytd only) | 10.1890% | 529 |
| Net charge-offs to loans | 0.0283% | 4,859 |
| Credit loss provision to net charge-offs | 162.1622% | 1,411 |
| Earnings coverage of net charge-offs (x) | 250.6216% | 180 |
| Efficiency ratio | 46.8169% | 6,530 |
| Assets per employee ($millions) | 12.1016% | 132 |
| Cash dividends to net income (ytd only)* | 29.3914% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6494% | 2,571 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 25.4533% | 6,578 |
| Net loans and leases to deposits | 28.7041% | 6,604 |
| Net loans and leases to core deposits | 34.0486% | 6,518 |
| Total domestic deposits to total assets | 88.6748% | 1,814 |
| Equity capital to assets | 10.8887% | 2,715 |
| Core capital (leverage) ratio | 9.7775% | 3,871 |
| Tier 1 risk-based capital ratio | 21.5516% | 1,328 |
| Total risk-based capital ratio | 22.5243% | 1,352 |
| Memoranda: | ||
| Average total assets | $485,265,000 | 1,368 |
| Average earning assets | $440,693,600 | 1,376 |
| Average equity | $60,123,800 | 1,195 |
| Average total loans | $130,628,800 | 2,852 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1815% | 3,453 |
| Cost of funding earning assets | 0.9656% | 589 |
| Net interest margin | 3.2160% | 4,945 |
| Noninterest income to average assets | 0.6419% | 2,919 |
| Noninterest expense to average assets | 1.6626% | 6,506 |
| Loan and lease loss provision to assets | 0.0124% | 4,752 |
| Net operating income to assets | 1.7145% | 614 |
| Return on assets (ROA) | 1.8573% | 480 |
| Pretax return on assets | 2.0513% | 514 |
| Return on Equity (ROE) | 14.5380% | 880 |
| Retained earnings to average equity (ytd only) | 11.0776% | 563 |
| Net charge-offs to loans | 0.0163% | 4,804 |
| Credit loss provision to net charge-offs | 281.2500% | 900 |
| Earnings coverage of net charge-offs (x) | 431.3690% | 136 |
| Efficiency ratio | 46.5784% | 6,565 |
| Assets per employee ($millions) | 11.8377% | 143 |
| Cash dividends to net income (ytd only)* | 23.8024% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6524% | 2,792 |
| Loan loss allowance to noncurrent loans | 4,007.5472% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 6,465 |
| Noncurrent loans to loans | 0.0412% | 6,219 |
| Net loans and leases to total assets | 26.0470% | 6,647 |
| Net loans and leases to deposits | 29.5751% | 6,674 |
| Net loans and leases to core deposits | 35.3107% | 6,584 |
| Total domestic deposits to total assets | 88.0708% | 2,086 |
| Equity capital to assets | 11.3430% | 2,439 |
| Core capital (leverage) ratio | 9.6891% | 4,118 |
| Tier 1 risk-based capital ratio | 21.3534% | 1,430 |
| Total risk-based capital ratio | 22.3415% | 1,454 |
| Memoranda: | ||
| Average total assets | $482,539,500 | 1,383 |
| Average earning assets | $439,254,000 | 1,388 |
| Average equity | $61,648,250 | 1,176 |
| Average total loans | $131,183,750 | 2,856 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1250% | 3,640 |
| Cost of funding earning assets | 0.9572% | 693 |
| Net interest margin | 3.1678% | 5,057 |
| Noninterest income to average assets | 0.6304% | 3,016 |
| Noninterest expense to average assets | 1.6051% | 6,586 |
| Loan and lease loss provision to assets | 0.0125% | 4,632 |
| Net operating income to assets | 1.6990% | 623 |
| Return on assets (ROA) | 1.8949% | 461 |
| Pretax return on assets | 2.1258% | 482 |
| Return on Equity (ROE) | 14.2936% | 946 |
| Retained earnings to average equity (ytd only) | 9.2816% | 1,037 |
| Net charge-offs to loans | 0.0106% | 4,664 |
| Credit loss provision to net charge-offs | 428.5714% | 625 |
| Earnings coverage of net charge-offs (x) | 659.8571% | 61 |
| Efficiency ratio | 45.5563% | 6,657 |
| Assets per employee ($millions) | 11.8056% | 146 |
| Cash dividends to net income (ytd only)* | 35.0647% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6154% | 3,097 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 26.6509% | 6,668 |
| Net loans and leases to deposits | 30.4681% | 6,688 |
| Net loans and leases to core deposits | 36.6462% | 6,581 |
| Total domestic deposits to total assets | 87.4716% | 2,553 |
| Equity capital to assets | 12.1086% | 1,844 |
| Core capital (leverage) ratio | 9.1873% | 4,715 |
| Tier 1 risk-based capital ratio | 21.0013% | 1,490 |
| Total risk-based capital ratio | 22.0187% | 1,522 |
| Memoranda: | ||
| Average total assets | $481,604,000 | 1,382 |
| Average earning assets | $439,806,670 | 1,390 |
| Average equity | $63,846,670 | 1,143 |
| Average total loans | $132,064,330 | 2,841 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0744% | 3,823 |
| Cost of funding earning assets | 0.9540% | 770 |
| Net interest margin | 3.1204% | 5,191 |
| Noninterest income to average assets | 0.6262% | 3,002 |
| Noninterest expense to average assets | 1.6120% | 6,661 |
| Loan and lease loss provision to assets | 0.0125% | 4,297 |
| Net operating income to assets | 1.6530% | 645 |
| Return on assets (ROA) | 1.8768% | 459 |
| Pretax return on assets | 2.1099% | 483 |
| Return on Equity (ROE) | 13.5649% | 1,040 |
| Retained earnings to average equity (ytd only) | 13.5649% | 489 |
| Net charge-offs to loans | -0.0091% | 5,404 |
| Credit loss provision to net charge-offs | -500.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2826% | 6,683 |
| Assets per employee ($millions) | 11.8460% | 149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5935% | 3,423 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 26.8664% | 6,701 |
| Net loans and leases to deposits | 31.3583% | 6,707 |
| Net loans and leases to core deposits | 37.5938% | 6,574 |
| Total domestic deposits to total assets | 85.6756% | 3,694 |
| Equity capital to assets | 13.6579% | 1,157 |
| Core capital (leverage) ratio | 9.3500% | 4,325 |
| Tier 1 risk-based capital ratio | 21.1711% | 1,498 |
| Total risk-based capital ratio | 22.2117% | 1,522 |
| Memoranda: | ||
| Average total assets | $480,392,000 | 1,399 |
| Average earning assets | $439,815,000 | 1,405 |
| Average equity | $66,465,500 | 1,103 |
| Average total loans | $132,538,500 | 2,856 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3249% | 4,106 |
| Cost of funding earning assets | 1.0314% | 1,201 |
| Net interest margin | 3.2935% | 5,263 |
| Noninterest income to average assets | 0.6277% | 3,124 |
| Noninterest expense to average assets | 1.6461% | 6,762 |
| Loan and lease loss provision to assets | 0.0528% | 5,147 |
| Net operating income to assets | 1.6181% | 732 |
| Return on assets (ROA) | 2.0819% | 344 |
| Pretax return on assets | 2.4809% | 261 |
| Return on Equity (ROE) | 14.9088% | 826 |
| Retained earnings to average equity (ytd only) | 11.3254% | 405 |
| Net charge-offs to loans | 0.0905% | 4,768 |
| Credit loss provision to net charge-offs | 203.3898% | 1,260 |
| Earnings coverage of net charge-offs (x) | 76.3475% | 498 |
| Efficiency ratio | 43.6367% | 6,858 |
| Assets per employee ($millions) | 11.5877% | 162 |
| Cash dividends to net income (ytd only)* | 24.0359% | 3,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5814% | 3,399 |
| Loan loss allowance to noncurrent loans | 3,879.6296% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 6,657 |
| Noncurrent loans to loans | 0.0408% | 6,407 |
| Net loans and leases to total assets | 27.4433% | 6,776 |
| Net loans and leases to deposits | 32.2465% | 6,784 |
| Net loans and leases to core deposits | 38.0852% | 6,670 |
| Total domestic deposits to total assets | 85.1047% | 3,812 |
| Equity capital to assets | 14.0174% | 1,041 |
| Core capital (leverage) ratio | 9.2984% | 4,421 |
| Tier 1 risk-based capital ratio | 21.3405% | 1,390 |
| Total risk-based capital ratio | 22.4387% | 1,393 |
| Memoranda: | ||
| Average total assets | $454,640,600 | 1,443 |
| Average earning assets | $414,117,200 | 1,455 |
| Average equity | $63,485,800 | 1,114 |
| Average total loans | $130,420,600 | 2,882 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4197% | 3,967 |
| Cost of funding earning assets | 1.0517% | 1,274 |
| Net interest margin | 3.3679% | 5,148 |
| Noninterest income to average assets | 0.6238% | 3,138 |
| Noninterest expense to average assets | 1.6565% | 6,823 |
| Loan and lease loss provision to assets | 0.0534% | 5,082 |
| Net operating income to assets | 1.6579% | 753 |
| Return on assets (ROA) | 2.0842% | 381 |
| Pretax return on assets | 2.4864% | 299 |
| Return on Equity (ROE) | 14.9408% | 915 |
| Retained earnings to average equity (ytd only) | 11.8578% | 555 |
| Net charge-offs to loans | 0.1088% | 4,303 |
| Credit loss provision to net charge-offs | 169.8113% | 1,637 |
| Earnings coverage of net charge-offs (x) | 64.6414% | 618 |
| Efficiency ratio | 43.1776% | 6,923 |
| Assets per employee ($millions) | 11.8096% | 150 |
| Cash dividends to net income (ytd only)* | 20.6347% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5202% | 3,861 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 28.7922% | 6,852 |
| Net loans and leases to deposits | 34.0760% | 6,865 |
| Net loans and leases to core deposits | 40.9619% | 6,703 |
| Total domestic deposits to total assets | 84.4940% | 3,981 |
| Equity capital to assets | 14.3579% | 1,017 |
| Core capital (leverage) ratio | 9.0489% | 4,989 |
| Tier 1 risk-based capital ratio | 21.0674% | 1,507 |
| Total risk-based capital ratio | 22.1732% | 1,508 |
| Memoranda: | ||
| Average total assets | $449,526,750 | 1,481 |
| Average earning assets | $409,102,000 | 1,493 |
| Average equity | $62,708,250 | 1,142 |
| Average total loans | $129,906,500 | 2,917 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5054% | 3,746 |
| Cost of funding earning assets | 1.0618% | 1,403 |
| Net interest margin | 3.4435% | 4,907 |
| Noninterest income to average assets | 0.6069% | 3,218 |
| Noninterest expense to average assets | 1.6333% | 6,895 |
| Loan and lease loss provision to assets | 0.0538% | 4,987 |
| Net operating income to assets | 1.7263% | 638 |
| Return on assets (ROA) | 2.0496% | 405 |
| Pretax return on assets | 2.4354% | 327 |
| Return on Equity (ROE) | 14.8421% | 962 |
| Retained earnings to average equity (ytd only) | 10.1319% | 944 |
| Net charge-offs to loans | 0.1153% | 4,021 |
| Credit loss provision to net charge-offs | 162.1622% | 1,718 |
| Earnings coverage of net charge-offs (x) | 63.3919% | 610 |
| Efficiency ratio | 41.9827% | 7,021 |
| Assets per employee ($millions) | 11.7708% | 154 |
| Cash dividends to net income (ytd only)* | 31.7356% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5546% | 3,763 |
| Loan loss allowance to noncurrent loans | 22,433.3333% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 6,864 |
| Noncurrent loans to loans | 0.0069% | 6,703 |
| Net loans and leases to total assets | 27.8509% | 6,935 |
| Net loans and leases to deposits | 32.8055% | 6,947 |
| Net loans and leases to core deposits | 40.1192% | 6,803 |
| Total domestic deposits to total assets | 84.8968% | 3,901 |
| Equity capital to assets | 13.9406% | 1,121 |
| Core capital (leverage) ratio | 8.5624% | 5,570 |
| Tier 1 risk-based capital ratio | 20.2630% | 1,647 |
| Total risk-based capital ratio | 21.3854% | 1,646 |
| Memoranda: | ||
| Average total assets | $445,843,670 | 1,498 |
| Average earning assets | $405,339,000 | 1,502 |
| Average equity | $61,568,000 | 1,160 |
| Average total loans | $128,323,000 | 2,957 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5528% | 3,702 |
| Cost of funding earning assets | 1.0681% | 1,575 |
| Net interest margin | 3.4847% | 4,774 |
| Noninterest income to average assets | 0.5947% | 3,269 |
| Noninterest expense to average assets | 1.6356% | 6,946 |
| Loan and lease loss provision to assets | 0.0546% | 4,722 |
| Net operating income to assets | 1.7353% | 680 |
| Return on assets (ROA) | 2.0581% | 435 |
| Pretax return on assets | 2.4561% | 357 |
| Return on Equity (ROE) | 14.9783% | 975 |
| Retained earnings to average equity (ytd only) | 14.9783% | 448 |
| Net charge-offs to loans | 0.2289% | 2,784 |
| Credit loss provision to net charge-offs | 82.1918% | 2,692 |
| Earnings coverage of net charge-offs (x) | 31.9863% | 879 |
| Efficiency ratio | 41.7332% | 7,062 |
| Assets per employee ($millions) | 11.4782% | 164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5240% | 4,048 |
| Loan loss allowance to noncurrent loans | 3,379.3103% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 6,893 |
| Noncurrent loans to loans | 0.0451% | 6,637 |
| Net loans and leases to total assets | 28.2922% | 6,970 |
| Net loans and leases to deposits | 33.1839% | 6,978 |
| Net loans and leases to core deposits | 41.1673% | 6,779 |
| Total domestic deposits to total assets | 85.2588% | 3,901 |
| Equity capital to assets | 13.6940% | 1,145 |
| Core capital (leverage) ratio | 8.6066% | 5,434 |
| Tier 1 risk-based capital ratio | 20.4471% | 1,603 |
| Total risk-based capital ratio | 21.5764% | 1,603 |
| Memoranda: | ||
| Average total assets | $439,234,000 | 1,519 |
| Average earning assets | $399,229,000 | 1,523 |
| Average equity | $60,354,000 | 1,180 |
| Average total loans | $127,548,500 | 2,988 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8918% | 3,400 |
| Cost of funding earning assets | 1.1961% | 2,056 |
| Net interest margin | 3.6957% | 4,315 |
| Noninterest income to average assets | 0.6465% | 2,913 |
| Noninterest expense to average assets | 1.7888% | 6,968 |
| Loan and lease loss provision to assets | 0.0463% | 5,996 |
| Net operating income to assets | 1.7699% | 490 |
| Return on assets (ROA) | 2.0169% | 321 |
| Pretax return on assets | 2.4247% | 241 |
| Return on Equity (ROE) | 14.8647% | 768 |
| Retained earnings to average equity (ytd only) | 12.0218% | 302 |
| Net charge-offs to loans | 0.0322% | 5,996 |
| Credit loss provision to net charge-offs | 450.0000% | 501 |
| Earnings coverage of net charge-offs (x) | 211.3000% | 164 |
| Efficiency ratio | 43.2827% | 7,140 |
| Assets per employee ($millions) | 11.0466% | 179 |
| Cash dividends to net income (ytd only)* | 19.1253% | 3,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5598% | 3,751 |
| Loan loss allowance to noncurrent loans | 1,483.4586% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0309% | 6,898 |
| Noncurrent loans to loans | 0.1051% | 6,548 |
| Net loans and leases to total assets | 28.9018% | 7,038 |
| Net loans and leases to deposits | 33.9306% | 7,049 |
| Net loans and leases to core deposits | 41.3408% | 6,904 |
| Total domestic deposits to total assets | 85.1791% | 3,754 |
| Equity capital to assets | 13.7893% | 1,142 |
| Core capital (leverage) ratio | 8.5941% | 5,410 |
| Tier 1 risk-based capital ratio | 19.7833% | 1,686 |
| Total risk-based capital ratio | 20.9610% | 1,666 |
| Memoranda: | ||
| Average total assets | $388,872,200 | 1,665 |
| Average earning assets | $348,889,200 | 1,700 |
| Average equity | $52,762,600 | 1,290 |
| Average total loans | $124,052,800 | 3,098 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0524% | 2,829 |
| Cost of funding earning assets | 1.2324% | 2,102 |
| Net interest margin | 3.8199% | 3,768 |
| Noninterest income to average assets | 0.6508% | 2,875 |
| Noninterest expense to average assets | 1.8023% | 6,996 |
| Loan and lease loss provision to assets | 0.0476% | 5,850 |
| Net operating income to assets | 1.8301% | 490 |
| Return on assets (ROA) | 2.0652% | 331 |
| Pretax return on assets | 2.4993% | 250 |
| Return on Equity (ROE) | 15.2921% | 789 |
| Retained earnings to average equity (ytd only) | 14.1180% | 291 |
| Net charge-offs to loans | 0.0324% | 5,695 |
| Credit loss provision to net charge-offs | 450.0000% | 613 |
| Earnings coverage of net charge-offs (x) | 214.1280% | 181 |
| Efficiency ratio | 42.4647% | 7,195 |
| Assets per employee ($millions) | 10.3749% | 224 |
| Cash dividends to net income (ytd only)* | 7.6779% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5295% | 3,961 |
| Loan loss allowance to noncurrent loans | 2,808.6957% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 7,023 |
| Noncurrent loans to loans | 0.0545% | 6,796 |
| Net loans and leases to total assets | 30.8355% | 7,060 |
| Net loans and leases to deposits | 37.0479% | 7,059 |
| Net loans and leases to core deposits | 45.7533% | 6,852 |
| Total domestic deposits to total assets | 83.2315% | 4,593 |
| Equity capital to assets | 14.5573% | 976 |
| Core capital (leverage) ratio | 8.6404% | 5,492 |
| Tier 1 risk-based capital ratio | 19.5637% | 1,796 |
| Total risk-based capital ratio | 20.7446% | 1,786 |
| Memoranda: | ||
| Average total assets | $378,385,750 | 1,722 |
| Average earning assets | $338,289,000 | 1,765 |
| Average equity | $51,101,500 | 1,339 |
| Average total loans | $123,444,250 | 3,136 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0890% | 2,732 |
| Cost of funding earning assets | 1.2549% | 2,222 |
| Net interest margin | 3.8341% | 3,627 |
| Noninterest income to average assets | 0.6563% | 2,788 |
| Noninterest expense to average assets | 1.8591% | 6,999 |
| Loan and lease loss provision to assets | 0.0487% | 5,705 |
| Net operating income to assets | 1.7979% | 507 |
| Return on assets (ROA) | 1.9560% | 386 |
| Pretax return on assets | 2.3526% | 315 |
| Return on Equity (ROE) | 14.9068% | 821 |
| Retained earnings to average equity (ytd only) | 13.0512% | 384 |
| Net charge-offs to loans | 0.0474% | 5,185 |
| Credit loss provision to net charge-offs | 310.3448% | 978 |
| Earnings coverage of net charge-offs (x) | 140.8966% | 254 |
| Efficiency ratio | 43.7783% | 7,239 |
| Assets per employee ($millions) | 9.9973% | 244 |
| Cash dividends to net income (ytd only)* | 12.4481% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4957% | 4,154 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 31.9913% | 7,114 |
| Net loans and leases to deposits | 37.6441% | 7,130 |
| Net loans and leases to core deposits | 47.7366% | 6,865 |
| Total domestic deposits to total assets | 84.9836% | 3,889 |
| Equity capital to assets | 13.5924% | 1,248 |
| Core capital (leverage) ratio | 8.2542% | 5,942 |
| Tier 1 risk-based capital ratio | 18.2477% | 2,093 |
| Total risk-based capital ratio | 19.4083% | 2,078 |
| Memoranda: | ||
| Average total assets | $369,640,670 | 1,771 |
| Average earning assets | $329,100,670 | 1,813 |
| Average equity | $48,501,330 | 1,394 |
| Average total loans | $122,357,330 | 3,184 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0053% | 3,090 |
| Cost of funding earning assets | 1.2792% | 2,306 |
| Net interest margin | 3.7260% | 3,967 |
| Noninterest income to average assets | 0.6631% | 2,769 |
| Noninterest expense to average assets | 1.9070% | 6,977 |
| Loan and lease loss provision to assets | 0.0501% | 5,375 |
| Net operating income to assets | 1.6936% | 579 |
| Return on assets (ROA) | 1.8347% | 487 |
| Pretax return on assets | 2.1796% | 412 |
| Return on Equity (ROE) | 14.2604% | 941 |
| Retained earnings to average equity (ytd only) | 14.2604% | 454 |
| Net charge-offs to loans | 0.0532% | 4,408 |
| Credit loss provision to net charge-offs | 281.2500% | 1,129 |
| Earnings coverage of net charge-offs (x) | 115.8125% | 285 |
| Efficiency ratio | 46.0331% | 7,203 |
| Assets per employee ($millions) | 9.5610% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5134% | 4,142 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 7,158 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 32.4972% | 7,148 |
| Net loans and leases to deposits | 37.5736% | 7,180 |
| Net loans and leases to core deposits | 47.2747% | 6,910 |
| Total domestic deposits to total assets | 86.4894% | 3,239 |
| Equity capital to assets | 12.9863% | 1,389 |
| Core capital (leverage) ratio | 8.3055% | 5,800 |
| Tier 1 risk-based capital ratio | 17.9540% | 2,129 |
| Total risk-based capital ratio | 19.1406% | 2,122 |
| Memoranda: | ||
| Average total assets | $359,514,500 | 1,827 |
| Average earning assets | $318,944,500 | 1,880 |
| Average equity | $46,254,000 | 1,452 |
| Average total loans | $120,223,000 | 3,254 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1368% | 3,919 |
| Cost of funding earning assets | 1.4268% | 3,088 |
| Net interest margin | 3.7100% | 4,307 |
| Noninterest income to average assets | 0.6785% | 2,970 |
| Noninterest expense to average assets | 2.0197% | 6,989 |
| Loan and lease loss provision to assets | 0.1887% | 5,345 |
| Net operating income to assets | 1.3790% | 991 |
| Return on assets (ROA) | 1.6772% | 583 |
| Pretax return on assets | 2.0842% | 401 |
| Return on Equity (ROE) | 11.6927% | 1,393 |
| Retained earnings to average equity (ytd only) | 11.3638% | 345 |
| Net charge-offs to loans | 0.0358% | 6,444 |
| Credit loss provision to net charge-offs | 1,538.4615% | 158 |
| Earnings coverage of net charge-offs (x) | 154.8974% | 160 |
| Efficiency ratio | 49.0371% | 7,201 |
| Assets per employee ($millions) | 8.8757% | 353 |
| Cash dividends to net income (ytd only)* | 2.8132% | 3,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5612% | 3,733 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 33.3889% | 7,247 |
| Net loans and leases to deposits | 39.1135% | 7,281 |
| Net loans and leases to core deposits | 48.6378% | 7,040 |
| Total domestic deposits to total assets | 85.3642% | 3,686 |
| Equity capital to assets | 12.7358% | 1,508 |
| Core capital (leverage) ratio | 8.1846% | 5,854 |
| Tier 1 risk-based capital ratio | 17.8055% | 2,066 |
| Total risk-based capital ratio | 19.0393% | 2,030 |
| Memoranda: | ||
| Average total assets | $317,919,200 | 2,047 |
| Average earning assets | $277,761,600 | 2,132 |
| Average equity | $45,601,000 | 1,469 |
| Average total loans | $108,846,800 | 3,574 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1746% | 3,963 |
| Cost of funding earning assets | 1.4423% | 3,314 |
| Net interest margin | 3.7322% | 4,255 |
| Noninterest income to average assets | 0.6631% | 3,052 |
| Noninterest expense to average assets | 2.0369% | 6,985 |
| Loan and lease loss provision to assets | 0.1930% | 5,110 |
| Net operating income to assets | 1.3450% | 1,240 |
| Return on assets (ROA) | 1.6586% | 729 |
| Pretax return on assets | 2.0793% | 528 |
| Return on Equity (ROE) | 11.2133% | 1,724 |
| Retained earnings to average equity (ytd only) | 11.2133% | 575 |
| Net charge-offs to loans | 0.0437% | 6,100 |
| Credit loss provision to net charge-offs | 1,285.7143% | 235 |
| Earnings coverage of net charge-offs (x) | 125.2451% | 255 |
| Efficiency ratio | 49.3923% | 7,191 |
| Assets per employee ($millions) | 8.6677% | 387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4814% | 4,048 |
| Loan loss allowance to noncurrent loans | 2,908.6207% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 7,320 |
| Noncurrent loans to loans | 0.0509% | 7,117 |
| Net loans and leases to total assets | 33.1879% | 7,369 |
| Net loans and leases to deposits | 39.9993% | 7,371 |
| Net loans and leases to core deposits | 49.0180% | 7,158 |
| Total domestic deposits to total assets | 82.9712% | 4,598 |
| Equity capital to assets | 14.5267% | 1,013 |
| Core capital (leverage) ratio | 8.2324% | 5,990 |
| Tier 1 risk-based capital ratio | 17.8336% | 2,065 |
| Total risk-based capital ratio | 19.0345% | 2,050 |
| Memoranda: | ||
| Average total assets | $310,861,250 | 2,123 |
| Average earning assets | $271,037,250 | 2,207 |
| Average equity | $45,980,000 | 1,468 |
| Average total loans | $106,706,250 | 3,662 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2627% | 3,635 |
| Cost of funding earning assets | 1.4590% | 3,506 |
| Net interest margin | 3.8038% | 3,877 |
| Noninterest income to average assets | 0.6547% | 2,983 |
| Noninterest expense to average assets | 2.0550% | 7,010 |
| Loan and lease loss provision to assets | 0.1988% | 4,880 |
| Net operating income to assets | 1.3425% | 1,207 |
| Return on assets (ROA) | 1.5891% | 794 |
| Pretax return on assets | 2.0113% | 589 |
| Return on Equity (ROE) | 10.6725% | 1,871 |
| Retained earnings to average equity (ytd only) | 10.6725% | 718 |
| Net charge-offs to loans | 0.0249% | 5,986 |
| Credit loss provision to net charge-offs | 2,307.6923% | 180 |
| Earnings coverage of net charge-offs (x) | 220.3077% | 154 |
| Efficiency ratio | 49.2540% | 7,272 |
| Assets per employee ($millions) | 8.1965% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4373% | 4,253 |
| Loan loss allowance to noncurrent loans | 451.8841% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.1079% | 7,119 |
| Noncurrent loans to loans | 0.3181% | 6,589 |
| Net loans and leases to total assets | 33.4429% | 7,437 |
| Net loans and leases to deposits | 40.2342% | 7,440 |
| Net loans and leases to core deposits | 48.4601% | 7,265 |
| Total domestic deposits to total assets | 83.1207% | 4,516 |
| Equity capital to assets | 14.5184% | 1,006 |
| Core capital (leverage) ratio | 8.1866% | 5,961 |
| Tier 1 risk-based capital ratio | 17.7444% | 2,019 |
| Total risk-based capital ratio | 18.9212% | 2,019 |
| Memoranda: | ||
| Average total assets | $301,802,000 | 2,190 |
| Average earning assets | $261,689,000 | 2,291 |
| Average equity | $44,938,000 | 1,485 |
| Average total loans | $104,316,670 | 3,760 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3579% | 3,254 |
| Cost of funding earning assets | 1.4875% | 3,636 |
| Net interest margin | 3.8703% | 3,456 |
| Noninterest income to average assets | 0.6433% | 2,969 |
| Noninterest expense to average assets | 2.0951% | 6,954 |
| Loan and lease loss provision to assets | 0.2049% | 4,453 |
| Net operating income to assets | 1.3095% | 1,277 |
| Return on assets (ROA) | 1.5556% | 872 |
| Pretax return on assets | 2.0104% | 593 |
| Return on Equity (ROE) | 10.3072% | 2,004 |
| Retained earnings to average equity (ytd only) | 10.3072% | 1,081 |
| Net charge-offs to loans | 0.0469% | 4,938 |
| Credit loss provision to net charge-offs | 1,250.0000% | 385 |
| Earnings coverage of net charge-offs (x) | 115.6667% | 281 |
| Efficiency ratio | 49.6235% | 7,340 |
| Assets per employee ($millions) | 8.0032% | 517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3636% | 4,604 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 33.5354% | 7,509 |
| Net loans and leases to deposits | 40.5189% | 7,502 |
| Net loans and leases to core deposits | 48.5398% | 7,338 |
| Total domestic deposits to total assets | 82.7649% | 4,731 |
| Equity capital to assets | 14.7184% | 952 |
| Core capital (leverage) ratio | 8.1819% | 5,938 |
| Tier 1 risk-based capital ratio | 17.9650% | 1,951 |
| Total risk-based capital ratio | 19.1075% | 1,955 |
| Memoranda: | ||
| Average total assets | $292,871,000 | 2,293 |
| Average earning assets | $253,310,500 | 2,408 |
| Average equity | $44,202,000 | 1,520 |
| Average total loans | $102,243,000 | 3,878 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8222% | 2,567 |
| Cost of funding earning assets | 1.7832% | 4,084 |
| Net interest margin | 4.0390% | 2,697 |
| Noninterest income to average assets | 0.5219% | 4,241 |
| Noninterest expense to average assets | 2.1822% | 7,032 |
| Loan and lease loss provision to assets | 0.1778% | 5,919 |
| Net operating income to assets | 1.1852% | 1,286 |
| Return on assets (ROA) | 1.4829% | 760 |
| Pretax return on assets | 1.9721% | 429 |
| Return on Equity (ROE) | 9.4061% | 1,888 |
| Retained earnings to average equity (ytd only) | 8.4339% | 602 |
| Net charge-offs to loans | 0.0559% | 6,542 |
| Credit loss provision to net charge-offs | 820.7547% | 357 |
| Earnings coverage of net charge-offs (x) | 80.9245% | 338 |
| Efficiency ratio | 51.5372% | 7,427 |
| Assets per employee ($millions) | 7.4110% | 673 |
| Cash dividends to net income (ytd only)* | 10.3363% | 3,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2583% | 4,999 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 7,481 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 35.4433% | 7,544 |
| Net loans and leases to deposits | 43.2697% | 7,540 |
| Net loans and leases to core deposits | 72.9221% | 6,599 |
| Total domestic deposits to total assets | 81.9124% | 4,990 |
| Equity capital to assets | 15.4968% | 788 |
| Core capital (leverage) ratio | 8.2966% | 5,626 |
| Tier 1 risk-based capital ratio | 17.5152% | 2,019 |
| Total risk-based capital ratio | 18.5788% | 2,033 |
| Memoranda: | ||
| Average total assets | $244,662,600 | 2,665 |
| Average earning assets | $206,760,400 | 2,875 |
| Average equity | $38,570,600 | 1,740 |
| Average total loans | $94,741,000 | 4,091 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8673% | 2,594 |
| Cost of funding earning assets | 1.8207% | 4,285 |
| Net interest margin | 4.0466% | 2,611 |
| Noninterest income to average assets | 0.4446% | 4,936 |
| Noninterest expense to average assets | 2.1464% | 7,102 |
| Loan and lease loss provision to assets | 0.1274% | 6,074 |
| Net operating income to assets | 1.1640% | 1,554 |
| Return on assets (ROA) | 1.4578% | 960 |
| Pretax return on assets | 1.9675% | 574 |
| Return on Equity (ROE) | 9.2002% | 2,188 |
| Retained earnings to average equity (ytd only) | 7.8598% | 1,172 |
| Net charge-offs to loans | 0.0544% | 6,164 |
| Credit loss provision to net charge-offs | 592.1053% | 650 |
| Earnings coverage of net charge-offs (x) | 78.8875% | 428 |
| Efficiency ratio | 51.5763% | 7,441 |
| Assets per employee ($millions) | 7.1150% | 747 |
| Cash dividends to net income (ytd only)* | 14.5689% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0940% | 5,765 |
| Loan loss allowance to noncurrent loans | 1,516.9014% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 7,519 |
| Noncurrent loans to loans | 0.0721% | 7,316 |
| Net loans and leases to total assets | 36.0134% | 7,620 |
| Net loans and leases to deposits | 43.8402% | 7,624 |
| Net loans and leases to core deposits | 73.9055% | 6,734 |
| Total domestic deposits to total assets | 82.1470% | 4,617 |
| Equity capital to assets | 14.9089% | 1,029 |
| Core capital (leverage) ratio | 7.3870% | 7,093 |
| Tier 1 risk-based capital ratio | 14.9533% | 3,063 |
| Total risk-based capital ratio | 15.8780% | 3,163 |
| Memoranda: | ||
| Average total assets | $235,423,500 | 2,777 |
| Average earning assets | $197,790,250 | 3,016 |
| Average equity | $37,302,750 | 1,822 |
| Average total loans | $93,154,500 | 4,169 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9483% | 2,397 |
| Cost of funding earning assets | 1.8433% | 4,547 |
| Net interest margin | 4.1050% | 2,305 |
| Noninterest income to average assets | 0.4683% | 4,722 |
| Noninterest expense to average assets | 2.2335% | 6,966 |
| Loan and lease loss provision to assets | 0.1341% | 5,743 |
| Net operating income to assets | 1.1160% | 1,722 |
| Return on assets (ROA) | 1.4282% | 1,028 |
| Pretax return on assets | 1.9421% | 644 |
| Return on Equity (ROE) | 8.8042% | 2,424 |
| Retained earnings to average equity (ytd only) | 6.7382% | 1,687 |
| Net charge-offs to loans | 0.0438% | 5,854 |
| Credit loss provision to net charge-offs | 750.0000% | 623 |
| Earnings coverage of net charge-offs (x) | 92.5500% | 415 |
| Efficiency ratio | 52.9195% | 7,447 |
| Assets per employee ($millions) | 6.3819% | 1,014 |
| Cash dividends to net income (ytd only)* | 23.4668% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 5,624 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 37.9008% | 7,639 |
| Net loans and leases to deposits | 46.3430% | 7,625 |
| Net loans and leases to core deposits | 71.6237% | 6,920 |
| Total domestic deposits to total assets | 81.7832% | 4,776 |
| Equity capital to assets | 15.1291% | 1,005 |
| Core capital (leverage) ratio | 7.4186% | 7,114 |
| Tier 1 risk-based capital ratio | 14.9538% | 3,042 |
| Total risk-based capital ratio | 15.9298% | 3,097 |
| Memoranda: | ||
| Average total assets | $223,775,000 | 2,927 |
| Average earning assets | $186,405,670 | 3,188 |
| Average equity | $36,300,670 | 1,881 |
| Average total loans | $91,390,670 | 4,247 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0413% | 2,192 |
| Cost of funding earning assets | 1.8859% | 4,707 |
| Net interest margin | 4.1553% | 2,072 |
| Noninterest income to average assets | 0.4645% | 4,639 |
| Noninterest expense to average assets | 2.3190% | 6,473 |
| Loan and lease loss provision to assets | 0.1119% | 5,532 |
| Net operating income to assets | 1.0959% | 1,976 |
| Return on assets (ROA) | 1.4813% | 1,044 |
| Pretax return on assets | 2.0186% | 645 |
| Return on Equity (ROE) | 8.7963% | 2,796 |
| Retained earnings to average equity (ytd only) | 8.7963% | 1,539 |
| Net charge-offs to loans | 0.0132% | 5,419 |
| Credit loss provision to net charge-offs | 2,000.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 286.3333% | 143 |
| Efficiency ratio | 54.3292% | 7,189 |
| Assets per employee ($millions) | 6.0303% | 1,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 5,892 |
| Loan loss allowance to noncurrent loans | 4,735.0000% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 7,616 |
| Noncurrent loans to loans | 0.0219% | 7,491 |
| Net loans and leases to total assets | 40.5468% | 7,538 |
| Net loans and leases to deposits | 50.2463% | 7,482 |
| Net loans and leases to core deposits | 73.5315% | 6,837 |
| Total domestic deposits to total assets | 80.6960% | 5,091 |
| Equity capital to assets | 16.3495% | 817 |
| Core capital (leverage) ratio | 7.7543% | 6,816 |
| Tier 1 risk-based capital ratio | 15.0758% | 3,029 |
| Total risk-based capital ratio | 16.0442% | 3,091 |
| Memoranda: | ||
| Average total assets | $214,406,500 | 3,061 |
| Average earning assets | $178,373,000 | 3,301 |
| Average equity | $36,106,000 | 1,900 |
| Average total loans | $90,619,000 | 4,290 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5264% | 2,834 |
| Cost of funding earning assets | 2.3514% | 4,924 |
| Net interest margin | 4.1750% | 2,416 |
| Noninterest income to average assets | 0.5398% | 4,322 |
| Noninterest expense to average assets | 2.2245% | 6,911 |
| Loan and lease loss provision to assets | 0.0854% | 6,321 |
| Net operating income to assets | 1.1653% | 1,891 |
| Return on assets (ROA) | 1.2541% | 1,564 |
| Pretax return on assets | 1.7616% | 1,018 |
| Return on Equity (ROE) | 6.8206% | 3,614 |
| Retained earnings to average equity (ytd only) | 4.6605% | 2,229 |
| Net charge-offs to loans | 0.0380% | 6,269 |
| Credit loss provision to net charge-offs | 487.8788% | 894 |
| Earnings coverage of net charge-offs (x) | 98.3939% | 441 |
| Efficiency ratio | 50.3897% | 7,633 |
| Assets per employee ($millions) | 5.5593% | 1,416 |
| Cash dividends to net income (ytd only)* | 31.6702% | 4,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9908% | 6,138 |
| Loan loss allowance to noncurrent loans | 89,000.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 7,671 |
| Noncurrent loans to loans | 0.0011% | 7,566 |
| Net loans and leases to total assets | 43.2358% | 7,517 |
| Net loans and leases to deposits | 54.3145% | 7,420 |
| Net loans and leases to core deposits | 78.3357% | 6,734 |
| Total domestic deposits to total assets | 79.6026% | 5,165 |
| Equity capital to assets | 17.3720% | 733 |
| Core capital (leverage) ratio | 7.8500% | 6,723 |
| Tier 1 risk-based capital ratio | 14.9775% | 3,058 |
| Total risk-based capital ratio | 15.9402% | 3,126 |
| Memoranda: | ||
| Average total assets | $188,578,200 | 3,287 |
| Average earning assets | $153,868,400 | 3,585 |
| Average equity | $34,674,400 | 1,959 |
| Average total loans | $86,839,000 | 4,312 |