Home > The First National Bank of Dennison > Performance and Condition Ratios
The First National Bank of Dennison, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5635% | 1,086 |
| Cost of funding earning assets | 0.9010% | 3,519 |
| Net interest margin | 4.6625% | 494 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 3.5965% | 509 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.8437% | 2,729 |
| Return on assets (ROA) | 0.8437% | 2,701 |
| Pretax return on assets | 1.0274% | 2,593 |
| Return on Equity (ROE) | 15.9800% | 1,098 |
| Retained earnings to average equity (ytd only) | 8.0491% | 1,521 |
| Net charge-offs to loans | 0.1301% | 757 |
| Credit loss provision to net charge-offs | 79.8122% | 2,026 |
| Earnings coverage of net charge-offs (x) | 14.3991% | 2,081 |
| Efficiency ratio | 76.7792% | 1,186 |
| Assets per employee ($millions) | 4.1620% | 4,099 |
| Cash dividends to net income (ytd only)* | 49.6427% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1896% | 2,356 |
| Loan loss allowance to noncurrent loans | 751.3208% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.0936% | 2,896 |
| Noncurrent loans to loans | 0.1583% | 2,728 |
| Net loans and leases to total assets | 58.4300% | 2,998 |
| Net loans and leases to deposits | 62.3515% | 3,387 |
| Net loans and leases to core deposits | 64.7726% | 3,550 |
| Total domestic deposits to total assets | 93.7200% | 125 |
| Equity capital to assets | 5.8378% | 4,262 |
| Core capital (leverage) ratio | 9.7634% | 3,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $281,966,200 | 2,514 |
| Average earning assets | $259,927,400 | 2,520 |
| Average equity | $14,883,600 | 3,279 |
| Average total loans | $163,657,400 | 2,570 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3884% | 1,147 |
| Cost of funding earning assets | 0.8119% | 3,490 |
| Net interest margin | 4.5765% | 552 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 3.3950% | 627 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.9594% | 2,485 |
| Return on assets (ROA) | 0.9594% | 2,475 |
| Pretax return on assets | 1.1421% | 2,452 |
| Return on Equity (ROE) | 18.6700% | 859 |
| Retained earnings to average equity (ytd only) | 13.3293% | 770 |
| Net charge-offs to loans | 0.1319% | 614 |
| Credit loss provision to net charge-offs | 71.4286% | 1,801 |
| Earnings coverage of net charge-offs (x) | 15.7019% | 1,952 |
| Efficiency ratio | 73.9408% | 1,365 |
| Assets per employee ($millions) | 4.4762% | 3,953 |
| Cash dividends to net income (ytd only)* | 28.6137% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1844% | 2,443 |
| Loan loss allowance to noncurrent loans | 1,471.8519% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.0486% | 3,323 |
| Noncurrent loans to loans | 0.0805% | 3,185 |
| Net loans and leases to total assets | 59.7300% | 2,870 |
| Net loans and leases to deposits | 62.9681% | 3,335 |
| Net loans and leases to core deposits | 65.1754% | 3,472 |
| Total domestic deposits to total assets | 94.8600% | 130 |
| Equity capital to assets | 4.6947% | 4,300 |
| Core capital (leverage) ratio | 10.0519% | 2,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $281,703,750 | 2,518 |
| Average earning assets | $259,318,250 | 2,529 |
| Average equity | $14,474,000 | 3,308 |
| Average total loans | $162,729,500 | 2,585 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1872% | 1,231 |
| Cost of funding earning assets | 0.6974% | 3,492 |
| Net interest margin | 4.4898% | 615 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 3.3769% | 622 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.9135% | 2,710 |
| Return on assets (ROA) | 0.9135% | 2,692 |
| Pretax return on assets | 1.0816% | 2,688 |
| Return on Equity (ROE) | 17.2900% | 1,047 |
| Retained earnings to average equity (ytd only) | 9.5348% | 1,528 |
| Net charge-offs to loans | 0.1118% | 632 |
| Credit loss provision to net charge-offs | 81.1111% | 1,548 |
| Earnings coverage of net charge-offs (x) | 17.8222% | 1,783 |
| Efficiency ratio | 74.8747% | 1,266 |
| Assets per employee ($millions) | 4.6873% | 3,831 |
| Cash dividends to net income (ytd only)* | 44.8569% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2284% | 2,300 |
| Loan loss allowance to noncurrent loans | 2,688.0000% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 3,517 |
| Noncurrent loans to loans | 0.0457% | 3,390 |
| Net loans and leases to total assets | 58.6100% | 2,908 |
| Net loans and leases to deposits | 62.3379% | 3,284 |
| Net loans and leases to core deposits | 64.3100% | 3,429 |
| Total domestic deposits to total assets | 94.0200% | 150 |
| Equity capital to assets | 5.5107% | 4,291 |
| Core capital (leverage) ratio | 9.5856% | 3,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $283,096,667 | 2,512 |
| Average earning assets | $260,678,667 | 2,525 |
| Average equity | $14,955,667 | 3,276 |
| Average total loans | $161,053,333 | 2,591 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8041% | 2,269 |
| Cost of funding earning assets | 0.2337% | 3,475 |
| Net interest margin | 3.5704% | 1,727 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 3.2613% | 665 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.5973% | 3,889 |
| Return on assets (ROA) | 0.5973% | 3,847 |
| Pretax return on assets | 0.7048% | 3,836 |
| Return on Equity (ROE) | 9.8400% | 2,853 |
| Retained earnings to average equity (ytd only) | 4.5724% | 3,214 |
| Net charge-offs to loans | 0.0323% | 1,426 |
| Credit loss provision to net charge-offs | 31.9149% | 1,886 |
| Earnings coverage of net charge-offs (x) | 43.1277% | 1,458 |
| Efficiency ratio | 82.1205% | 588 |
| Assets per employee ($millions) | 5.2309% | 3,486 |
| Cash dividends to net income (ytd only)* | 53.5484% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2901% | 1,948 |
| Loan loss allowance to noncurrent loans | 1,417.3611% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 3,302 |
| Noncurrent loans to loans | 0.0910% | 3,106 |
| Net loans and leases to total assets | 54.2800% | 3,175 |
| Net loans and leases to deposits | 57.2360% | 3,499 |
| Net loans and leases to core deposits | 58.0770% | 3,610 |
| Total domestic deposits to total assets | 94.8400% | 157 |
| Equity capital to assets | 4.7772% | 4,418 |
| Core capital (leverage) ratio | 9.0535% | 3,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $285,472,600 | 2,527 |
| Average earning assets | $265,318,400 | 2,520 |
| Average equity | $17,321,400 | 3,183 |
| Average total loans | $145,466,400 | 2,677 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5382% | 2,494 |
| Cost of funding earning assets | 0.1595% | 3,732 |
| Net interest margin | 3.3786% | 2,043 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 3.1934% | 694 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5527% | 3,961 |
| Return on assets (ROA) | 0.5527% | 3,901 |
| Pretax return on assets | 0.6453% | 3,905 |
| Return on Equity (ROE) | 8.6400% | 3,129 |
| Retained earnings to average equity (ytd only) | 4.4063% | 3,324 |
| Net charge-offs to loans | 0.0319% | 1,204 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 40.5588% | 1,383 |
| Efficiency ratio | 83.1891% | 597 |
| Assets per employee ($millions) | 5.0210% | 3,653 |
| Cash dividends to net income (ytd only)* | 49.0262% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3372% | 1,855 |
| Loan loss allowance to noncurrent loans | 1,125.9669% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.0632% | 3,255 |
| Noncurrent loans to loans | 0.1188% | 3,052 |
| Net loans and leases to total assets | 52.5400% | 3,229 |
| Net loans and leases to deposits | 55.1874% | 3,537 |
| Net loans and leases to core deposits | 56.0955% | 3,621 |
| Total domestic deposits to total assets | 95.2100% | 197 |
| Equity capital to assets | 4.3261% | 4,435 |
| Core capital (leverage) ratio | 9.2273% | 3,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $284,916,000 | 2,548 |
| Average earning assets | $266,609,000 | 2,531 |
| Average equity | $18,215,750 | 3,147 |
| Average total loans | $142,281,500 | 2,715 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3207% | 2,674 |
| Cost of funding earning assets | 0.1177% | 3,989 |
| Net interest margin | 3.2030% | 2,178 |
| Noninterest income to average assets | 0.7136% | 1,284 |
| Noninterest expense to average assets | 3.1825% | 650 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4647% | 3,977 |
| Return on assets (ROA) | 0.4647% | 3,927 |
| Pretax return on assets | 0.5336% | 3,952 |
| Return on Equity (ROE) | 6.5573% | 3,435 |
| Retained earnings to average equity (ytd only) | 2.3015% | 3,666 |
| Net charge-offs to loans | 0.0418% | 968 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 26.1724% | 1,452 |
| Efficiency ratio | 85.6413% | 594 |
| Assets per employee ($millions) | 4.7420% | 3,897 |
| Cash dividends to net income (ytd only)* | 64.9017% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4217% | 1,662 |
| Loan loss allowance to noncurrent loans | 937.6147% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 3,199 |
| Noncurrent loans to loans | 0.1516% | 2,936 |
| Net loans and leases to total assets | 50.6584% | 3,302 |
| Net loans and leases to deposits | 53.8046% | 3,554 |
| Net loans and leases to core deposits | 54.6599% | 3,658 |
| Total domestic deposits to total assets | 94.1525% | 258 |
| Equity capital to assets | 5.3192% | 4,415 |
| Core capital (leverage) ratio | 9.1216% | 3,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $284,489,667 | 2,567 |
| Average earning assets | $266,689,000 | 2,559 |
| Average equity | $20,160,667 | 3,052 |
| Average total loans | $138,904,667 | 2,759 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1410% | 2,853 |
| Cost of funding earning assets | 0.1101% | 4,011 |
| Net interest margin | 3.0310% | 2,401 |
| Noninterest income to average assets | 0.7656% | 1,132 |
| Noninterest expense to average assets | 3.1487% | 649 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3667% | 4,028 |
| Return on assets (ROA) | 0.3667% | 3,992 |
| Pretax return on assets | 0.4588% | 3,937 |
| Return on Equity (ROE) | 4.6140% | 3,725 |
| Retained earnings to average equity (ytd only) | 4.3509% | 2,818 |
| Net charge-offs to loans | 0.0616% | 701 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 15.6667% | 1,347 |
| Efficiency ratio | 87.2826% | 668 |
| Assets per employee ($millions) | 4.7678% | 3,951 |
| Cash dividends to net income (ytd only)* | 5.7034% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4896% | 1,580 |
| Loan loss allowance to noncurrent loans | 1,405.4795% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.0755% | 3,316 |
| Noncurrent loans to loans | 0.1060% | 3,307 |
| Net loans and leases to total assets | 47.4387% | 3,443 |
| Net loans and leases to deposits | 51.4262% | 3,614 |
| Net loans and leases to core deposits | 52.2316% | 3,712 |
| Total domestic deposits to total assets | 92.2462% | 490 |
| Equity capital to assets | 7.1407% | 4,134 |
| Core capital (leverage) ratio | 9.2303% | 3,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $286,844,500 | 2,570 |
| Average earning assets | $268,957,500 | 2,562 |
| Average equity | $22,800,000 | 2,923 |
| Average total loans | $136,469,000 | 2,778 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2245% | 3,421 |
| Cost of funding earning assets | 0.1265% | 4,179 |
| Net interest margin | 3.0980% | 2,906 |
| Noninterest income to average assets | 0.6903% | 1,798 |
| Noninterest expense to average assets | 2.8759% | 1,204 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5927% | 3,892 |
| Return on assets (ROA) | 0.5927% | 3,935 |
| Pretax return on assets | 0.7304% | 3,867 |
| Return on Equity (ROE) | 6.7591% | 3,584 |
| Retained earnings to average equity (ytd only) | 3.7542% | 3,315 |
| Net charge-offs to loans | -0.0135% | 3,836 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7467% | 820 |
| Assets per employee ($millions) | 4.7151% | 3,954 |
| Cash dividends to net income (ytd only)* | 44.4576% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5335% | 1,444 |
| Loan loss allowance to noncurrent loans | 1,219.4118% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.0591% | 3,573 |
| Noncurrent loans to loans | 0.1258% | 3,304 |
| Net loans and leases to total assets | 46.2783% | 3,664 |
| Net loans and leases to deposits | 51.0667% | 3,796 |
| Net loans and leases to core deposits | 51.7809% | 3,906 |
| Total domestic deposits to total assets | 90.6231% | 657 |
| Equity capital to assets | 8.7521% | 3,842 |
| Core capital (leverage) ratio | 9.1962% | 3,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $284,644,000 | 2,509 |
| Average earning assets | $267,917,000 | 2,502 |
| Average equity | $24,959,000 | 2,851 |
| Average total loans | $133,312,800 | 2,809 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4633% | 2,935 |
| Cost of funding earning assets | 0.1278% | 4,276 |
| Net interest margin | 3.3355% | 2,317 |
| Noninterest income to average assets | 0.4809% | 2,707 |
| Noninterest expense to average assets | 2.8643% | 1,199 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6068% | 3,994 |
| Return on assets (ROA) | 0.6068% | 4,044 |
| Pretax return on assets | 0.7547% | 3,966 |
| Return on Equity (ROE) | 6.9166% | 3,689 |
| Retained earnings to average equity (ytd only) | 4.7003% | 3,331 |
| Net charge-offs to loans | -0.0201% | 3,969 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1461% | 801 |
| Assets per employee ($millions) | 4.4919% | 4,126 |
| Cash dividends to net income (ytd only)* | 32.0433% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5237% | 1,540 |
| Loan loss allowance to noncurrent loans | 1,383.3333% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 3,792 |
| Noncurrent loans to loans | 0.1101% | 3,542 |
| Net loans and leases to total assets | 46.6497% | 3,745 |
| Net loans and leases to deposits | 51.5716% | 3,912 |
| Net loans and leases to core deposits | 52.2233% | 4,024 |
| Total domestic deposits to total assets | 90.4561% | 583 |
| Equity capital to assets | 8.8527% | 3,956 |
| Core capital (leverage) ratio | 9.2373% | 3,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $283,899,250 | 2,536 |
| Average earning assets | $267,099,750 | 2,527 |
| Average equity | $24,905,500 | 2,892 |
| Average total loans | $132,846,000 | 2,853 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3885% | 3,208 |
| Cost of funding earning assets | 0.1352% | 4,316 |
| Net interest margin | 3.2533% | 2,602 |
| Noninterest income to average assets | 0.4804% | 2,711 |
| Noninterest expense to average assets | 2.9409% | 1,084 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4832% | 4,253 |
| Return on assets (ROA) | 0.4832% | 4,293 |
| Pretax return on assets | 0.6027% | 4,234 |
| Return on Equity (ROE) | 5.5250% | 4,021 |
| Retained earnings to average equity (ytd only) | 2.1760% | 4,072 |
| Net charge-offs to loans | -0.0471% | 4,345 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9906% | 617 |
| Assets per employee ($millions) | 4.3462% | 4,221 |
| Cash dividends to net income (ytd only)* | 60.6149% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5300% | 1,492 |
| Loan loss allowance to noncurrent loans | 1,381.4570% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.0526% | 3,887 |
| Noncurrent loans to loans | 0.1108% | 3,637 |
| Net loans and leases to total assets | 46.8040% | 3,846 |
| Net loans and leases to deposits | 51.6729% | 4,014 |
| Net loans and leases to core deposits | 52.3779% | 4,111 |
| Total domestic deposits to total assets | 90.5776% | 529 |
| Equity capital to assets | 8.6576% | 4,081 |
| Core capital (leverage) ratio | 8.9584% | 3,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $282,704,667 | 2,542 |
| Average earning assets | $266,193,000 | 2,530 |
| Average equity | $24,724,000 | 2,894 |
| Average total loans | $131,733,000 | 2,881 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2855% | 3,484 |
| Cost of funding earning assets | 0.1490% | 4,311 |
| Net interest margin | 3.1365% | 2,886 |
| Noninterest income to average assets | 0.4775% | 2,717 |
| Noninterest expense to average assets | 2.8193% | 1,327 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4860% | 4,199 |
| Return on assets (ROA) | 0.4860% | 4,237 |
| Pretax return on assets | 0.5986% | 4,192 |
| Return on Equity (ROE) | 5.5292% | 3,984 |
| Retained earnings to average equity (ytd only) | 5.3671% | 3,105 |
| Net charge-offs to loans | -0.1236% | 4,696 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4854% | 676 |
| Assets per employee ($millions) | 4.1387% | 4,392 |
| Cash dividends to net income (ytd only)* | 2.9326% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5539% | 1,409 |
| Loan loss allowance to noncurrent loans | 895.2991% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.0819% | 3,795 |
| Noncurrent loans to loans | 0.1736% | 3,489 |
| Net loans and leases to total assets | 46.4793% | 3,926 |
| Net loans and leases to deposits | 51.2232% | 4,089 |
| Net loans and leases to core deposits | 51.9243% | 4,198 |
| Total domestic deposits to total assets | 90.7388% | 496 |
| Equity capital to assets | 8.6298% | 4,023 |
| Core capital (leverage) ratio | 9.2762% | 3,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $280,633,500 | 2,539 |
| Average earning assets | $263,095,500 | 2,535 |
| Average equity | $24,669,000 | 2,895 |
| Average total loans | $129,428,500 | 2,908 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0723% | 2,502 |
| Cost of funding earning assets | 0.2424% | 4,413 |
| Net interest margin | 3.8299% | 1,420 |
| Noninterest income to average assets | 0.4535% | 2,853 |
| Noninterest expense to average assets | 3.0705% | 1,289 |
| Loan and lease loss provision to assets | 0.0872% | 3,276 |
| Net operating income to assets | 0.6942% | 3,453 |
| Return on assets (ROA) | 0.6942% | 3,587 |
| Pretax return on assets | 0.8793% | 3,426 |
| Return on Equity (ROE) | 7.4494% | 3,019 |
| Retained earnings to average equity (ytd only) | 4.4415% | 2,572 |
| Net charge-offs to loans | 0.1428% | 1,129 |
| Credit loss provision to net charge-offs | 116.4021% | 2,670 |
| Earnings coverage of net charge-offs (x) | 12.8995% | 2,308 |
| Efficiency ratio | 76.0581% | 1,220 |
| Assets per employee ($millions) | 4.2436% | 4,181 |
| Cash dividends to net income (ytd only)* | 40.3769% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6568% | 1,145 |
| Loan loss allowance to noncurrent loans | 642.1875% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.1160% | 3,713 |
| Noncurrent loans to loans | 0.2580% | 3,269 |
| Net loans and leases to total assets | 44.2215% | 4,231 |
| Net loans and leases to deposits | 49.0711% | 4,355 |
| Net loans and leases to core deposits | 49.7774% | 4,427 |
| Total domestic deposits to total assets | 90.1172% | 519 |
| Equity capital to assets | 8.6810% | 4,308 |
| Core capital (leverage) ratio | 9.3973% | 3,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $252,236,200 | 2,565 |
| Average earning assets | $236,010,600 | 2,547 |
| Average equity | $23,505,400 | 2,906 |
| Average total loans | $132,319,800 | 2,838 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0310% | 2,886 |
| Cost of funding earning assets | 0.2698% | 4,434 |
| Net interest margin | 3.7613% | 1,732 |
| Noninterest income to average assets | 0.4498% | 2,850 |
| Noninterest expense to average assets | 3.1614% | 1,136 |
| Loan and lease loss provision to assets | 0.0922% | 3,162 |
| Net operating income to assets | 0.5878% | 3,809 |
| Return on assets (ROA) | 0.5878% | 3,909 |
| Pretax return on assets | 0.7280% | 3,835 |
| Return on Equity (ROE) | 6.1891% | 3,483 |
| Retained earnings to average equity (ytd only) | 4.4623% | 2,820 |
| Net charge-offs to loans | 0.1478% | 995 |
| Credit loss provision to net charge-offs | 114.0940% | 2,521 |
| Earnings coverage of net charge-offs (x) | 10.1678% | 2,374 |
| Efficiency ratio | 79.4046% | 909 |
| Assets per employee ($millions) | 4.0475% | 4,283 |
| Cash dividends to net income (ytd only)* | 27.9006% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 1,310 |
| Loan loss allowance to noncurrent loans | 1,054.1237% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0737% | 4,064 |
| Noncurrent loans to loans | 0.1449% | 3,805 |
| Net loans and leases to total assets | 50.1040% | 4,094 |
| Net loans and leases to deposits | 55.8923% | 4,268 |
| Net loans and leases to core deposits | 56.7403% | 4,350 |
| Total domestic deposits to total assets | 89.6438% | 538 |
| Equity capital to assets | 9.0547% | 4,074 |
| Core capital (leverage) ratio | 10.1128% | 2,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $246,337,250 | 2,586 |
| Average earning assets | $231,298,750 | 2,567 |
| Average equity | $23,395,500 | 2,911 |
| Average total loans | $134,391,750 | 2,821 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1807% | 2,822 |
| Cost of funding earning assets | 0.3037% | 4,469 |
| Net interest margin | 3.8770% | 1,631 |
| Noninterest income to average assets | 0.4287% | 2,920 |
| Noninterest expense to average assets | 3.2332% | 1,103 |
| Loan and lease loss provision to assets | 0.0914% | 3,125 |
| Net operating income to assets | 0.5990% | 3,741 |
| Return on assets (ROA) | 0.5990% | 3,817 |
| Pretax return on assets | 0.7418% | 3,764 |
| Return on Equity (ROE) | 6.2013% | 3,439 |
| Retained earnings to average equity (ytd only) | 3.5952% | 3,126 |
| Net charge-offs to loans | 0.2348% | 670 |
| Credit loss provision to net charge-offs | 69.6203% | 2,550 |
| Earnings coverage of net charge-offs (x) | 6.3481% | 2,449 |
| Efficiency ratio | 79.5097% | 925 |
| Assets per employee ($millions) | 3.9373% | 4,367 |
| Cash dividends to net income (ytd only)* | 42.0250% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4215% | 1,511 |
| Loan loss allowance to noncurrent loans | 726.4706% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.1047% | 4,010 |
| Noncurrent loans to loans | 0.1957% | 3,675 |
| Net loans and leases to total assets | 52.7344% | 3,972 |
| Net loans and leases to deposits | 58.8191% | 4,175 |
| Net loans and leases to core deposits | 59.5879% | 4,280 |
| Total domestic deposits to total assets | 89.6552% | 510 |
| Equity capital to assets | 9.0784% | 4,011 |
| Core capital (leverage) ratio | 9.7780% | 3,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $240,753,333 | 2,603 |
| Average earning assets | $225,895,667 | 2,584 |
| Average equity | $23,253,333 | 2,914 |
| Average total loans | $134,568,000 | 2,811 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2539% | 3,056 |
| Cost of funding earning assets | 0.3597% | 4,484 |
| Net interest margin | 3.8941% | 1,690 |
| Noninterest income to average assets | 0.4948% | 2,573 |
| Noninterest expense to average assets | 4.0536% | 480 |
| Loan and lease loss provision to assets | 0.0692% | 2,884 |
| Net operating income to assets | 0.0052% | 4,748 |
| Return on assets (ROA) | 0.0052% | 4,737 |
| Pretax return on assets | 0.0052% | 4,733 |
| Return on Equity (ROE) | 0.0520% | 4,736 |
| Retained earnings to average equity (ytd only) | 0.0520% | 3,978 |
| Net charge-offs to loans | 0.3053% | 481 |
| Credit loss provision to net charge-offs | 39.6040% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.4257% | 2,466 |
| Efficiency ratio | 98.1978% | 271 |
| Assets per employee ($millions) | 3.6819% | 4,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5156% | 1,290 |
| Loan loss allowance to noncurrent loans | 543.4903% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 3,877 |
| Noncurrent loans to loans | 0.2789% | 3,491 |
| Net loans and leases to total assets | 54.9627% | 3,915 |
| Net loans and leases to deposits | 61.8798% | 4,103 |
| Net loans and leases to core deposits | 63.0351% | 4,230 |
| Total domestic deposits to total assets | 88.8217% | 745 |
| Equity capital to assets | 10.0410% | 3,743 |
| Core capital (leverage) ratio | 10.5677% | 2,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $231,200,500 | 2,615 |
| Average earning assets | $215,710,000 | 2,609 |
| Average equity | $23,084,500 | 2,917 |
| Average total loans | $132,346,500 | 2,808 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7301% | 2,243 |
| Cost of funding earning assets | 0.4137% | 4,400 |
| Net interest margin | 4.3164% | 1,060 |
| Noninterest income to average assets | 0.5028% | 2,719 |
| Noninterest expense to average assets | 3.1690% | 1,595 |
| Loan and lease loss provision to assets | 0.1128% | 1,859 |
| Net operating income to assets | 0.9739% | 2,935 |
| Return on assets (ROA) | 0.9739% | 3,021 |
| Pretax return on assets | 1.2359% | 2,719 |
| Return on Equity (ROE) | 10.0260% | 2,284 |
| Retained earnings to average equity (ytd only) | 5.1269% | 2,352 |
| Net charge-offs to loans | 0.1475% | 1,338 |
| Credit loss provision to net charge-offs | 126.2136% | 2,020 |
| Earnings coverage of net charge-offs (x) | 15.0922% | 2,250 |
| Efficiency ratio | 70.1460% | 2,146 |
| Assets per employee ($millions) | 3.6578% | 4,311 |
| Cash dividends to net income (ytd only)* | 48.8641% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4966% | 1,239 |
| Loan loss allowance to noncurrent loans | 397.6424% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.2209% | 3,570 |
| Noncurrent loans to loans | 0.3764% | 3,094 |
| Net loans and leases to total assets | 57.8089% | 3,783 |
| Net loans and leases to deposits | 65.0717% | 3,999 |
| Net loans and leases to core deposits | 66.2977% | 4,175 |
| Total domestic deposits to total assets | 88.8388% | 730 |
| Equity capital to assets | 9.9279% | 3,987 |
| Core capital (leverage) ratio | 10.3384% | 3,151 |
| Tier 1 risk-based capital ratio | 17.9697% | 1,770 |
| Total risk-based capital ratio | 19.2228% | 1,718 |
| Memoranda: | ||
| Average total assets | $230,513,200 | 2,572 |
| Average earning assets | $214,413,000 | 2,571 |
| Average equity | $22,391,800 | 2,929 |
| Average total loans | $139,637,600 | 2,723 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7536% | 2,261 |
| Cost of funding earning assets | 0.4246% | 4,422 |
| Net interest margin | 4.3290% | 1,103 |
| Noninterest income to average assets | 0.5078% | 2,679 |
| Noninterest expense to average assets | 3.1573% | 1,563 |
| Loan and lease loss provision to assets | 0.1070% | 1,811 |
| Net operating income to assets | 1.0017% | 2,976 |
| Return on assets (ROA) | 1.0017% | 3,052 |
| Pretax return on assets | 1.2649% | 2,769 |
| Return on Equity (ROE) | 10.3693% | 2,264 |
| Retained earnings to average equity (ytd only) | 7.0286% | 1,848 |
| Net charge-offs to loans | 0.1440% | 1,127 |
| Credit loss provision to net charge-offs | 121.7105% | 1,935 |
| Earnings coverage of net charge-offs (x) | 15.6054% | 2,176 |
| Efficiency ratio | 69.7101% | 2,161 |
| Assets per employee ($millions) | 3.6516% | 4,331 |
| Cash dividends to net income (ytd only)* | 32.2170% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4295% | 1,467 |
| Loan loss allowance to noncurrent loans | 400.6000% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.2139% | 3,717 |
| Noncurrent loans to loans | 0.3568% | 3,262 |
| Net loans and leases to total assets | 59.0988% | 3,757 |
| Net loans and leases to deposits | 66.4716% | 4,029 |
| Net loans and leases to core deposits | 67.7893% | 4,184 |
| Total domestic deposits to total assets | 88.9084% | 644 |
| Equity capital to assets | 9.8070% | 4,207 |
| Core capital (leverage) ratio | 10.4171% | 3,176 |
| Tier 1 risk-based capital ratio | 17.2192% | 2,022 |
| Total risk-based capital ratio | 18.4711% | 1,975 |
| Memoranda: | ||
| Average total assets | $230,531,000 | 2,601 |
| Average earning assets | $214,146,500 | 2,596 |
| Average equity | $22,270,250 | 2,958 |
| Average total loans | $140,737,000 | 2,742 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6899% | 2,393 |
| Cost of funding earning assets | 0.4189% | 4,437 |
| Net interest margin | 4.2710% | 1,201 |
| Noninterest income to average assets | 0.4933% | 2,712 |
| Noninterest expense to average assets | 3.1141% | 1,689 |
| Loan and lease loss provision to assets | 0.1046% | 1,788 |
| Net operating income to assets | 0.9997% | 2,923 |
| Return on assets (ROA) | 0.9997% | 2,992 |
| Pretax return on assets | 1.2559% | 2,722 |
| Return on Equity (ROE) | 10.4017% | 2,213 |
| Retained earnings to average equity (ytd only) | 5.3414% | 2,600 |
| Net charge-offs to loans | 0.1958% | 847 |
| Credit loss provision to net charge-offs | 86.9565% | 2,162 |
| Earnings coverage of net charge-offs (x) | 11.3116% | 2,209 |
| Efficiency ratio | 69.5949% | 2,293 |
| Assets per employee ($millions) | 3.7276% | 4,211 |
| Cash dividends to net income (ytd only)* | 48.6486% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 1,703 |
| Loan loss allowance to noncurrent loans | 283.7209% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.2977% | 3,354 |
| Noncurrent loans to loans | 0.4858% | 2,827 |
| Net loans and leases to total assets | 60.4323% | 3,697 |
| Net loans and leases to deposits | 67.9172% | 3,974 |
| Net loans and leases to core deposits | 69.2714% | 4,138 |
| Total domestic deposits to total assets | 88.9793% | 671 |
| Equity capital to assets | 9.9879% | 3,984 |
| Core capital (leverage) ratio | 10.0301% | 3,555 |
| Tier 1 risk-based capital ratio | 16.1998% | 2,327 |
| Total risk-based capital ratio | 17.4509% | 2,280 |
| Memoranda: | ||
| Average total assets | $229,474,670 | 2,616 |
| Average earning assets | $213,905,330 | 2,610 |
| Average equity | $22,054,000 | 2,968 |
| Average total loans | $140,943,670 | 2,752 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5770% | 2,616 |
| Cost of funding earning assets | 0.3900% | 4,528 |
| Net interest margin | 4.1870% | 1,325 |
| Noninterest income to average assets | 0.4758% | 2,701 |
| Noninterest expense to average assets | 3.2048% | 1,481 |
| Loan and lease loss provision to assets | 0.1050% | 1,688 |
| Net operating income to assets | 0.8624% | 3,389 |
| Return on assets (ROA) | 0.8624% | 3,439 |
| Pretax return on assets | 1.0723% | 3,231 |
| Return on Equity (ROE) | 9.1553% | 2,734 |
| Retained earnings to average equity (ytd only) | 8.7839% | 1,392 |
| Net charge-offs to loans | 0.2191% | 641 |
| Credit loss provision to net charge-offs | 77.9221% | 1,797 |
| Earnings coverage of net charge-offs (x) | 8.7403% | 2,069 |
| Efficiency ratio | 73.1337% | 1,860 |
| Assets per employee ($millions) | 3.6067% | 4,459 |
| Cash dividends to net income (ytd only)* | 4.0568% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3855% | 1,734 |
| Loan loss allowance to noncurrent loans | 759.9222% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 4,254 |
| Noncurrent loans to loans | 0.1823% | 3,933 |
| Net loans and leases to total assets | 60.2208% | 3,684 |
| Net loans and leases to deposits | 67.3399% | 3,961 |
| Net loans and leases to core deposits | 68.6756% | 4,146 |
| Total domestic deposits to total assets | 89.4281% | 676 |
| Equity capital to assets | 9.4966% | 4,262 |
| Core capital (leverage) ratio | 10.1686% | 3,423 |
| Tier 1 risk-based capital ratio | 15.9902% | 2,445 |
| Total risk-based capital ratio | 17.2416% | 2,390 |
| Memoranda: | ||
| Average total assets | $228,657,000 | 2,652 |
| Average earning assets | $213,326,500 | 2,637 |
| Average equity | $21,539,500 | 3,023 |
| Average total loans | $140,607,000 | 2,794 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2750% | 3,195 |
| Cost of funding earning assets | 0.2689% | 4,715 |
| Net interest margin | 4.0061% | 1,968 |
| Noninterest income to average assets | 0.5116% | 2,768 |
| Noninterest expense to average assets | 2.9899% | 2,070 |
| Loan and lease loss provision to assets | 0.0873% | 2,402 |
| Net operating income to assets | 0.9346% | 3,309 |
| Return on assets (ROA) | 0.9346% | 3,302 |
| Pretax return on assets | 1.1804% | 2,963 |
| Return on Equity (ROE) | 10.4134% | 2,340 |
| Retained earnings to average equity (ytd only) | 5.8317% | 2,279 |
| Net charge-offs to loans | 0.1690% | 1,135 |
| Credit loss provision to net charge-offs | 85.4701% | 2,778 |
| Earnings coverage of net charge-offs (x) | 12.4103% | 2,531 |
| Efficiency ratio | 70.2245% | 2,144 |
| Assets per employee ($millions) | 3.5950% | 4,454 |
| Cash dividends to net income (ytd only)* | 43.9981% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4046% | 1,618 |
| Loan loss allowance to noncurrent loans | 509.0439% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.2066% | 3,795 |
| Noncurrent loans to loans | 0.2759% | 3,581 |
| Net loans and leases to total assets | 61.0566% | 3,660 |
| Net loans and leases to deposits | 68.2372% | 3,962 |
| Net loans and leases to core deposits | 69.5324% | 4,137 |
| Total domestic deposits to total assets | 89.4770% | 671 |
| Equity capital to assets | 9.3419% | 4,280 |
| Core capital (leverage) ratio | 9.9010% | 3,695 |
| Tier 1 risk-based capital ratio | 15.7059% | 2,529 |
| Total risk-based capital ratio | 16.9573% | 2,454 |
| Memoranda: | ||
| Average total assets | $229,074,600 | 2,618 |
| Average earning assets | $214,199,400 | 2,610 |
| Average equity | $20,560,000 | 3,038 |
| Average total loans | $138,474,200 | 2,784 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1644% | 3,423 |
| Cost of funding earning assets | 0.2505% | 4,781 |
| Net interest margin | 3.9140% | 2,242 |
| Noninterest income to average assets | 0.5073% | 2,823 |
| Noninterest expense to average assets | 2.9473% | 2,174 |
| Loan and lease loss provision to assets | 0.0493% | 3,005 |
| Net operating income to assets | 0.9344% | 3,373 |
| Return on assets (ROA) | 0.9344% | 3,378 |
| Pretax return on assets | 1.1747% | 3,096 |
| Return on Equity (ROE) | 10.5172% | 2,385 |
| Retained earnings to average equity (ytd only) | 7.4404% | 1,905 |
| Net charge-offs to loans | 0.1565% | 1,058 |
| Credit loss provision to net charge-offs | 52.4691% | 2,807 |
| Earnings coverage of net charge-offs (x) | 13.0188% | 2,402 |
| Efficiency ratio | 70.6553% | 2,096 |
| Assets per employee ($millions) | 3.6089% | 4,428 |
| Cash dividends to net income (ytd only)* | 29.2545% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3934% | 1,727 |
| Loan loss allowance to noncurrent loans | 494.1026% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.1689% | 4,107 |
| Noncurrent loans to loans | 0.2820% | 3,675 |
| Net loans and leases to total assets | 59.0406% | 3,944 |
| Net loans and leases to deposits | 65.7056% | 4,223 |
| Net loans and leases to core deposits | 66.9278% | 4,359 |
| Total domestic deposits to total assets | 89.8563% | 557 |
| Equity capital to assets | 9.0449% | 4,510 |
| Core capital (leverage) ratio | 9.9289% | 3,709 |
| Tier 1 risk-based capital ratio | 15.7048% | 2,566 |
| Total risk-based capital ratio | 16.9560% | 2,498 |
| Memoranda: | ||
| Average total assets | $229,722,000 | 2,629 |
| Average earning assets | $215,053,250 | 2,609 |
| Average equity | $20,410,500 | 3,080 |
| Average total loans | $138,029,250 | 2,815 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0679% | 3,557 |
| Cost of funding earning assets | 0.2366% | 4,821 |
| Net interest margin | 3.8313% | 2,447 |
| Noninterest income to average assets | 0.5015% | 2,860 |
| Noninterest expense to average assets | 2.9210% | 2,286 |
| Loan and lease loss provision to assets | 0.0523% | 2,868 |
| Net operating income to assets | 0.8888% | 3,504 |
| Return on assets (ROA) | 0.8888% | 3,508 |
| Pretax return on assets | 1.1155% | 3,251 |
| Return on Equity (ROE) | 10.0640% | 2,538 |
| Retained earnings to average equity (ytd only) | 5.4123% | 2,867 |
| Net charge-offs to loans | 0.0986% | 1,371 |
| Credit loss provision to net charge-offs | 88.2353% | 2,180 |
| Earnings coverage of net charge-offs (x) | 19.6912% | 1,843 |
| Efficiency ratio | 71.4377% | 2,094 |
| Assets per employee ($millions) | 3.5223% | 4,563 |
| Cash dividends to net income (ytd only)* | 46.2218% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4317% | 1,634 |
| Loan loss allowance to noncurrent loans | 1,232.0988% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.0708% | 4,658 |
| Noncurrent loans to loans | 0.1162% | 4,388 |
| Net loans and leases to total assets | 60.0187% | 3,809 |
| Net loans and leases to deposits | 66.6650% | 4,129 |
| Net loans and leases to core deposits | 67.9104% | 4,258 |
| Total domestic deposits to total assets | 90.0302% | 562 |
| Equity capital to assets | 8.8958% | 4,647 |
| Core capital (leverage) ratio | 9.6573% | 3,935 |
| Tier 1 risk-based capital ratio | 15.2679% | 2,745 |
| Total risk-based capital ratio | 16.5198% | 2,673 |
| Memoranda: | ||
| Average total assets | $229,306,000 | 2,643 |
| Average earning assets | $214,707,000 | 2,627 |
| Average equity | $20,250,330 | 3,108 |
| Average total loans | $137,941,330 | 2,817 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9177% | 3,879 |
| Cost of funding earning assets | 0.2254% | 4,862 |
| Net interest margin | 3.6922% | 2,831 |
| Noninterest income to average assets | 0.5003% | 2,797 |
| Noninterest expense to average assets | 3.0277% | 1,996 |
| Loan and lease loss provision to assets | 0.0349% | 3,039 |
| Net operating income to assets | 0.7234% | 4,012 |
| Return on assets (ROA) | 0.7234% | 4,018 |
| Pretax return on assets | 0.8924% | 3,875 |
| Return on Equity (ROE) | 8.2211% | 3,285 |
| Retained earnings to average equity (ytd only) | 8.2211% | 1,759 |
| Net charge-offs to loans | 0.1428% | 958 |
| Credit loss provision to net charge-offs | 40.8163% | 2,011 |
| Earnings coverage of net charge-offs (x) | 10.8571% | 1,880 |
| Efficiency ratio | 76.5535% | 1,511 |
| Assets per employee ($millions) | 3.5573% | 4,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4574% | 1,629 |
| Loan loss allowance to noncurrent loans | 1,431.1594% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 4,796 |
| Noncurrent loans to loans | 0.1018% | 4,514 |
| Net loans and leases to total assets | 57.7540% | 3,963 |
| Net loans and leases to deposits | 64.0552% | 4,207 |
| Net loans and leases to core deposits | 65.3284% | 4,358 |
| Total domestic deposits to total assets | 90.1628% | 594 |
| Equity capital to assets | 8.7794% | 4,765 |
| Core capital (leverage) ratio | 9.6557% | 3,901 |
| Tier 1 risk-based capital ratio | 15.2353% | 2,772 |
| Total risk-based capital ratio | 16.4872% | 2,707 |
| Memoranda: | ||
| Average total assets | $229,483,000 | 2,667 |
| Average earning assets | $214,720,500 | 2,652 |
| Average equity | $20,192,000 | 3,141 |
| Average total loans | $137,207,000 | 2,849 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9516% | 3,564 |
| Cost of funding earning assets | 0.1904% | 5,016 |
| Net interest margin | 3.7612% | 2,557 |
| Noninterest income to average assets | 0.5358% | 2,795 |
| Noninterest expense to average assets | 2.8979% | 2,460 |
| Loan and lease loss provision to assets | 0.0819% | 2,560 |
| Net operating income to assets | 0.5438% | 4,247 |
| Return on assets (ROA) | 0.5438% | 4,280 |
| Pretax return on assets | 1.0557% | 3,361 |
| Return on Equity (ROE) | 6.0668% | 3,732 |
| Retained earnings to average equity (ytd only) | 1.7291% | 4,275 |
| Net charge-offs to loans | 0.1338% | 1,718 |
| Credit loss provision to net charge-offs | 96.8586% | 2,664 |
| Earnings coverage of net charge-offs (x) | 13.4503% | 2,393 |
| Efficiency ratio | 71.8095% | 2,257 |
| Assets per employee ($millions) | 3.6733% | 4,477 |
| Cash dividends to net income (ytd only)* | 71.4984% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4428% | 1,605 |
| Loan loss allowance to noncurrent loans | 484.0580% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.1818% | 4,220 |
| Noncurrent loans to loans | 0.2981% | 3,711 |
| Net loans and leases to total assets | 60.1092% | 3,814 |
| Net loans and leases to deposits | 66.7600% | 4,127 |
| Net loans and leases to core deposits | 68.1149% | 4,284 |
| Total domestic deposits to total assets | 90.0378% | 556 |
| Equity capital to assets | 8.8188% | 4,881 |
| Core capital (leverage) ratio | 9.3037% | 4,285 |
| Tier 1 risk-based capital ratio | 14.7941% | 2,935 |
| Total risk-based capital ratio | 16.0457% | 2,875 |
| Memoranda: | ||
| Average total assets | $225,820,400 | 2,676 |
| Average earning assets | $210,118,800 | 2,664 |
| Average equity | $20,241,400 | 3,120 |
| Average total loans | $142,775,000 | 2,740 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9118% | 3,653 |
| Cost of funding earning assets | 0.1829% | 5,118 |
| Net interest margin | 3.7290% | 2,663 |
| Noninterest income to average assets | 0.5384% | 2,790 |
| Noninterest expense to average assets | 2.9040% | 2,391 |
| Loan and lease loss provision to assets | 0.1095% | 1,946 |
| Net operating income to assets | 0.6810% | 4,073 |
| Return on assets (ROA) | 0.6810% | 4,133 |
| Pretax return on assets | 0.9875% | 3,736 |
| Return on Equity (ROE) | 7.5669% | 3,359 |
| Retained earnings to average equity (ytd only) | 5.0687% | 2,842 |
| Net charge-offs to loans | 0.1670% | 1,242 |
| Credit loss provision to net charge-offs | 102.7778% | 2,232 |
| Earnings coverage of net charge-offs (x) | 10.3002% | 2,609 |
| Efficiency ratio | 72.5821% | 2,122 |
| Assets per employee ($millions) | 3.4326% | 4,822 |
| Cash dividends to net income (ytd only)* | 33.0145% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3928% | 1,919 |
| Loan loss allowance to noncurrent loans | 635.6467% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.1378% | 4,559 |
| Noncurrent loans to loans | 0.2191% | 4,185 |
| Net loans and leases to total assets | 62.0296% | 3,647 |
| Net loans and leases to deposits | 69.0078% | 4,036 |
| Net loans and leases to core deposits | 70.4034% | 4,220 |
| Total domestic deposits to total assets | 89.8879% | 509 |
| Equity capital to assets | 8.9985% | 4,915 |
| Core capital (leverage) ratio | 9.6628% | 3,975 |
| Tier 1 risk-based capital ratio | 14.4661% | 3,202 |
| Total risk-based capital ratio | 15.7176% | 3,111 |
| Memoranda: | ||
| Average total assets | $225,340,000 | 2,702 |
| Average earning assets | $209,240,250 | 2,689 |
| Average equity | $20,280,750 | 3,133 |
| Average total loans | $143,744,250 | 2,741 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8871% | 3,595 |
| Cost of funding earning assets | 0.1743% | 5,177 |
| Net interest margin | 3.7128% | 2,609 |
| Noninterest income to average assets | 0.5308% | 2,828 |
| Noninterest expense to average assets | 2.8571% | 2,554 |
| Loan and lease loss provision to assets | 0.0894% | 2,197 |
| Net operating income to assets | 0.7078% | 3,812 |
| Return on assets (ROA) | 0.7078% | 3,877 |
| Pretax return on assets | 1.0295% | 3,449 |
| Return on Equity (ROE) | 7.8639% | 3,114 |
| Retained earnings to average equity (ytd only) | 4.0908% | 3,276 |
| Net charge-offs to loans | 0.2189% | 932 |
| Credit loss provision to net charge-offs | 63.6943% | 2,434 |
| Earnings coverage of net charge-offs (x) | 7.9745% | 2,552 |
| Efficiency ratio | 71.8588% | 2,362 |
| Assets per employee ($millions) | 3.3822% | 4,885 |
| Cash dividends to net income (ytd only)* | 47.9798% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 2,118 |
| Loan loss allowance to noncurrent loans | 1,550.0000% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 4,986 |
| Noncurrent loans to loans | 0.0877% | 4,779 |
| Net loans and leases to total assets | 63.4556% | 3,457 |
| Net loans and leases to deposits | 70.8466% | 3,839 |
| Net loans and leases to core deposits | 72.4189% | 4,065 |
| Total domestic deposits to total assets | 89.5676% | 706 |
| Equity capital to assets | 9.1078% | 4,796 |
| Core capital (leverage) ratio | 9.5225% | 4,113 |
| Tier 1 risk-based capital ratio | 14.4262% | 3,203 |
| Total risk-based capital ratio | 15.6770% | 3,131 |
| Memoranda: | ||
| Average total assets | $223,792,670 | 2,730 |
| Average earning assets | $207,659,670 | 2,725 |
| Average equity | $20,142,670 | 3,145 |
| Average total loans | $143,435,000 | 2,753 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7774% | 3,839 |
| Cost of funding earning assets | 0.1653% | 5,265 |
| Net interest margin | 3.6121% | 2,843 |
| Noninterest income to average assets | 0.5284% | 2,777 |
| Noninterest expense to average assets | 3.0276% | 2,088 |
| Loan and lease loss provision to assets | 0.0625% | 2,556 |
| Net operating income to assets | 0.5587% | 4,334 |
| Return on assets (ROA) | 0.5587% | 4,382 |
| Pretax return on assets | 0.7926% | 4,131 |
| Return on Equity (ROE) | 6.2449% | 3,789 |
| Retained earnings to average equity (ytd only) | 6.2449% | 2,215 |
| Net charge-offs to loans | 0.1032% | 1,343 |
| Credit loss provision to net charge-offs | 94.5946% | 1,656 |
| Earnings coverage of net charge-offs (x) | 12.9459% | 1,816 |
| Efficiency ratio | 77.9770% | 1,631 |
| Assets per employee ($millions) | 3.3676% | 4,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4034% | 2,053 |
| Loan loss allowance to noncurrent loans | 671.5719% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.1325% | 4,730 |
| Noncurrent loans to loans | 0.2090% | 4,365 |
| Net loans and leases to total assets | 62.5218% | 3,467 |
| Net loans and leases to deposits | 69.8962% | 3,805 |
| Net loans and leases to core deposits | 71.4344% | 4,036 |
| Total domestic deposits to total assets | 89.4495% | 924 |
| Equity capital to assets | 8.9806% | 4,825 |
| Core capital (leverage) ratio | 9.5921% | 4,011 |
| Tier 1 risk-based capital ratio | 14.5486% | 3,174 |
| Total risk-based capital ratio | 15.8001% | 3,105 |
| Memoranda: | ||
| Average total assets | $224,075,500 | 2,757 |
| Average earning assets | $208,080,500 | 2,748 |
| Average equity | $20,048,500 | 3,168 |
| Average total loans | $143,351,000 | 2,770 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8072% | 3,885 |
| Cost of funding earning assets | 0.1733% | 5,260 |
| Net interest margin | 3.6339% | 2,941 |
| Noninterest income to average assets | 0.5326% | 3,019 |
| Noninterest expense to average assets | 2.8950% | 2,688 |
| Loan and lease loss provision to assets | 0.0631% | 3,114 |
| Net operating income to assets | 0.6657% | 3,924 |
| Return on assets (ROA) | 0.6657% | 4,042 |
| Pretax return on assets | 0.9593% | 3,622 |
| Return on Equity (ROE) | 7.4778% | 3,231 |
| Retained earnings to average equity (ytd only) | 3.3184% | 3,554 |
| Net charge-offs to loans | 0.0812% | 2,530 |
| Credit loss provision to net charge-offs | 126.1261% | 2,119 |
| Earnings coverage of net charge-offs (x) | 20.4234% | 1,857 |
| Efficiency ratio | 73.9005% | 2,300 |
| Assets per employee ($millions) | 3.4234% | 4,868 |
| Cash dividends to net income (ytd only)* | 55.6233% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3995% | 2,081 |
| Loan loss allowance to noncurrent loans | 1,069.1489% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.0845% | 4,999 |
| Noncurrent loans to loans | 0.1309% | 4,710 |
| Net loans and leases to total assets | 63.6416% | 3,404 |
| Net loans and leases to deposits | 71.0104% | 3,811 |
| Net loans and leases to core deposits | 72.6273% | 4,042 |
| Total domestic deposits to total assets | 89.6230% | 813 |
| Equity capital to assets | 8.9133% | 4,895 |
| Core capital (leverage) ratio | 9.4503% | 4,158 |
| Tier 1 risk-based capital ratio | 14.3082% | 3,277 |
| Total risk-based capital ratio | 15.5595% | 3,210 |
| Memoranda: | ||
| Average total assets | $221,726,600 | 2,746 |
| Average earning assets | $206,528,800 | 2,724 |
| Average equity | $19,738,400 | 3,198 |
| Average total loans | $136,710,600 | 2,821 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7733% | 4,006 |
| Cost of funding earning assets | 0.1732% | 5,320 |
| Net interest margin | 3.6000% | 3,075 |
| Noninterest income to average assets | 0.5423% | 2,959 |
| Noninterest expense to average assets | 2.8853% | 2,683 |
| Loan and lease loss provision to assets | 0.0722% | 2,768 |
| Net operating income to assets | 0.6506% | 4,082 |
| Return on assets (ROA) | 0.6506% | 4,202 |
| Pretax return on assets | 0.9365% | 3,858 |
| Return on Equity (ROE) | 7.3109% | 3,397 |
| Retained earnings to average equity (ytd only) | 5.0385% | 2,802 |
| Net charge-offs to loans | 0.1008% | 1,939 |
| Credit loss provision to net charge-offs | 117.6471% | 2,127 |
| Earnings coverage of net charge-offs (x) | 16.4310% | 2,109 |
| Efficiency ratio | 74.0958% | 2,266 |
| Assets per employee ($millions) | 3.3788% | 4,940 |
| Cash dividends to net income (ytd only)* | 31.0824% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4420% | 2,012 |
| Loan loss allowance to noncurrent loans | 783.9216% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.1143% | 4,965 |
| Noncurrent loans to loans | 0.1840% | 4,613 |
| Net loans and leases to total assets | 61.2655% | 3,710 |
| Net loans and leases to deposits | 68.6139% | 4,095 |
| Net loans and leases to core deposits | 70.3080% | 4,301 |
| Total domestic deposits to total assets | 89.2903% | 759 |
| Equity capital to assets | 9.0062% | 5,172 |
| Core capital (leverage) ratio | 9.5570% | 4,105 |
| Tier 1 risk-based capital ratio | 14.8878% | 3,102 |
| Total risk-based capital ratio | 16.1402% | 3,031 |
| Memoranda: | ||
| Average total assets | $221,528,000 | 2,749 |
| Average earning assets | $206,252,250 | 2,736 |
| Average equity | $19,714,500 | 3,220 |
| Average total loans | $134,981,750 | 2,848 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6889% | 4,332 |
| Cost of funding earning assets | 0.1699% | 5,411 |
| Net interest margin | 3.5190% | 3,419 |
| Noninterest income to average assets | 0.5456% | 2,924 |
| Noninterest expense to average assets | 2.7959% | 3,043 |
| Loan and lease loss provision to assets | 0.0724% | 2,687 |
| Net operating income to assets | 0.6777% | 3,909 |
| Return on assets (ROA) | 0.6777% | 4,049 |
| Pretax return on assets | 0.9564% | 3,760 |
| Return on Equity (ROE) | 7.6462% | 3,175 |
| Retained earnings to average equity (ytd only) | 4.2162% | 3,228 |
| Net charge-offs to loans | 0.0867% | 1,974 |
| Credit loss provision to net charge-offs | 137.9310% | 1,696 |
| Earnings coverage of net charge-offs (x) | 19.6034% | 1,764 |
| Efficiency ratio | 73.1015% | 2,499 |
| Assets per employee ($millions) | 3.4054% | 4,914 |
| Cash dividends to net income (ytd only)* | 44.8598% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4682% | 1,988 |
| Loan loss allowance to noncurrent loans | 685.9589% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.1319% | 4,981 |
| Noncurrent loans to loans | 0.2140% | 4,584 |
| Net loans and leases to total assets | 60.7288% | 3,783 |
| Net loans and leases to deposits | 67.5391% | 4,222 |
| Net loans and leases to core deposits | 69.1483% | 4,394 |
| Total domestic deposits to total assets | 89.9166% | 520 |
| Equity capital to assets | 8.9373% | 5,286 |
| Core capital (leverage) ratio | 9.3868% | 4,353 |
| Tier 1 risk-based capital ratio | 14.7878% | 3,161 |
| Total risk-based capital ratio | 16.0404% | 3,108 |
| Memoranda: | ||
| Average total assets | $221,036,330 | 2,766 |
| Average earning assets | $205,969,000 | 2,750 |
| Average equity | $19,591,330 | 3,241 |
| Average total loans | $133,768,000 | 2,871 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5730% | 4,692 |
| Cost of funding earning assets | 0.1713% | 5,456 |
| Net interest margin | 3.4017% | 3,861 |
| Noninterest income to average assets | 0.5379% | 2,883 |
| Noninterest expense to average assets | 2.8595% | 2,850 |
| Loan and lease loss provision to assets | 0.0362% | 3,179 |
| Net operating income to assets | 0.5596% | 4,369 |
| Return on assets (ROA) | 0.5596% | 4,474 |
| Pretax return on assets | 0.8077% | 4,168 |
| Return on Equity (ROE) | 6.3399% | 3,810 |
| Retained earnings to average equity (ytd only) | 6.3399% | 2,213 |
| Net charge-offs to loans | 0.1178% | 1,415 |
| Credit loss provision to net charge-offs | 51.2821% | 2,039 |
| Earnings coverage of net charge-offs (x) | 11.9487% | 1,829 |
| Efficiency ratio | 77.2127% | 2,007 |
| Assets per employee ($millions) | 3.6914% | 4,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4741% | 2,096 |
| Loan loss allowance to noncurrent loans | 630.8682% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 5,016 |
| Noncurrent loans to loans | 0.2337% | 4,596 |
| Net loans and leases to total assets | 59.2074% | 3,891 |
| Net loans and leases to deposits | 65.7726% | 4,276 |
| Net loans and leases to core deposits | 67.1752% | 4,461 |
| Total domestic deposits to total assets | 90.0183% | 591 |
| Equity capital to assets | 8.8737% | 5,283 |
| Core capital (leverage) ratio | 9.4255% | 4,319 |
| Tier 1 risk-based capital ratio | 15.0409% | 3,138 |
| Total risk-based capital ratio | 16.2935% | 3,074 |
| Memoranda: | ||
| Average total assets | $220,878,000 | 2,771 |
| Average earning assets | $205,544,000 | 2,763 |
| Average equity | $19,495,500 | 3,257 |
| Average total loans | $132,438,000 | 2,897 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5588% | 4,781 |
| Cost of funding earning assets | 0.1950% | 5,327 |
| Net interest margin | 3.3637% | 4,060 |
| Noninterest income to average assets | 0.5503% | 3,010 |
| Noninterest expense to average assets | 2.7533% | 3,404 |
| Loan and lease loss provision to assets | 0.0417% | 3,501 |
| Net operating income to assets | 0.6245% | 4,167 |
| Return on assets (ROA) | 0.6245% | 4,256 |
| Pretax return on assets | 0.8896% | 3,879 |
| Return on Equity (ROE) | 6.9640% | 3,532 |
| Retained earnings to average equity (ytd only) | 2.9831% | 3,942 |
| Net charge-offs to loans | 0.0475% | 3,257 |
| Credit loss provision to net charge-offs | 147.5410% | 1,800 |
| Earnings coverage of net charge-offs (x) | 32.9344% | 1,358 |
| Efficiency ratio | 74.7232% | 2,475 |
| Assets per employee ($millions) | 3.6712% | 4,527 |
| Cash dividends to net income (ytd only)* | 57.1641% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5033% | 1,987 |
| Loan loss allowance to noncurrent loans | 617.1340% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.1457% | 5,009 |
| Noncurrent loans to loans | 0.2436% | 4,559 |
| Net loans and leases to total assets | 58.9263% | 3,982 |
| Net loans and leases to deposits | 65.5792% | 4,349 |
| Net loans and leases to core deposits | 66.8743% | 4,519 |
| Total domestic deposits to total assets | 89.8552% | 692 |
| Equity capital to assets | 8.7788% | 5,326 |
| Core capital (leverage) ratio | 9.2389% | 4,561 |
| Tier 1 risk-based capital ratio | 14.8724% | 3,232 |
| Total risk-based capital ratio | 16.1253% | 3,168 |
| Memoranda: | ||
| Average total assets | $215,707,000 | 2,782 |
| Average earning assets | $200,997,400 | 2,767 |
| Average equity | $19,342,200 | 3,239 |
| Average total loans | $128,462,000 | 2,908 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5375% | 4,892 |
| Cost of funding earning assets | 0.2006% | 5,372 |
| Net interest margin | 3.3369% | 4,193 |
| Noninterest income to average assets | 0.5487% | 3,061 |
| Noninterest expense to average assets | 2.7497% | 3,384 |
| Loan and lease loss provision to assets | 0.0435% | 3,349 |
| Net operating income to assets | 0.6108% | 4,331 |
| Return on assets (ROA) | 0.6108% | 4,438 |
| Pretax return on assets | 0.8675% | 4,101 |
| Return on Equity (ROE) | 6.7756% | 3,741 |
| Retained earnings to average equity (ytd only) | 4.3907% | 3,349 |
| Net charge-offs to loans | 0.0324% | 3,274 |
| Credit loss provision to net charge-offs | 225.8065% | 1,219 |
| Earnings coverage of net charge-offs (x) | 47.2930% | 1,097 |
| Efficiency ratio | 75.1146% | 2,386 |
| Assets per employee ($millions) | 3.4861% | 4,814 |
| Cash dividends to net income (ytd only)* | 35.1983% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5191% | 2,072 |
| Loan loss allowance to noncurrent loans | 565.6250% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.1629% | 5,110 |
| Noncurrent loans to loans | 0.2686% | 4,620 |
| Net loans and leases to total assets | 59.7172% | 3,917 |
| Net loans and leases to deposits | 66.5774% | 4,324 |
| Net loans and leases to core deposits | 67.8500% | 4,556 |
| Total domestic deposits to total assets | 89.6959% | 696 |
| Equity capital to assets | 9.0378% | 5,273 |
| Core capital (leverage) ratio | 9.4743% | 4,334 |
| Tier 1 risk-based capital ratio | 14.9847% | 3,303 |
| Total risk-based capital ratio | 16.2376% | 3,242 |
| Memoranda: | ||
| Average total assets | $214,566,250 | 2,822 |
| Average earning assets | $200,101,250 | 2,800 |
| Average equity | $19,343,500 | 3,265 |
| Average total loans | $127,633,000 | 2,945 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4827% | 5,035 |
| Cost of funding earning assets | 0.2116% | 5,331 |
| Net interest margin | 3.2710% | 4,417 |
| Noninterest income to average assets | 0.5419% | 3,097 |
| Noninterest expense to average assets | 2.7247% | 3,513 |
| Loan and lease loss provision to assets | 0.0467% | 3,186 |
| Net operating income to assets | 0.5877% | 4,406 |
| Return on assets (ROA) | 0.5877% | 4,501 |
| Pretax return on assets | 0.8325% | 4,197 |
| Return on Equity (ROE) | 6.5249% | 3,868 |
| Retained earnings to average equity (ytd only) | 2.9357% | 4,167 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6028% | 2,435 |
| Assets per employee ($millions) | 3.3803% | 5,020 |
| Cash dividends to net income (ytd only)* | 55.0079% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5484% | 2,087 |
| Loan loss allowance to noncurrent loans | 695.1389% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.1352% | 5,317 |
| Noncurrent loans to loans | 0.2227% | 4,891 |
| Net loans and leases to total assets | 59.7734% | 3,868 |
| Net loans and leases to deposits | 66.5167% | 4,288 |
| Net loans and leases to core deposits | 67.8104% | 4,504 |
| Total domestic deposits to total assets | 89.8622% | 723 |
| Equity capital to assets | 9.0131% | 5,222 |
| Core capital (leverage) ratio | 9.3005% | 4,550 |
| Tier 1 risk-based capital ratio | 14.5562% | 3,602 |
| Total risk-based capital ratio | 15.8086% | 3,529 |
| Memoranda: | ||
| Average total assets | $214,042,670 | 2,846 |
| Average earning assets | $200,364,330 | 2,813 |
| Average equity | $19,280,000 | 3,289 |
| Average total loans | $126,490,000 | 2,974 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4527% | 5,079 |
| Cost of funding earning assets | 0.2153% | 5,362 |
| Net interest margin | 3.2374% | 4,463 |
| Noninterest income to average assets | 0.5238% | 3,131 |
| Noninterest expense to average assets | 2.7066% | 3,564 |
| Loan and lease loss provision to assets | 0.0559% | 2,816 |
| Net operating income to assets | 0.5629% | 4,438 |
| Return on assets (ROA) | 0.5629% | 4,539 |
| Pretax return on assets | 0.7885% | 4,284 |
| Return on Equity (ROE) | 6.2516% | 3,898 |
| Retained earnings to average equity (ytd only) | 6.0446% | 2,475 |
| Net charge-offs to loans | 0.0128% | 2,933 |
| Credit loss provision to net charge-offs | 750.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 113.2500% | 446 |
| Efficiency ratio | 76.2205% | 2,482 |
| Assets per employee ($millions) | 3.7303% | 4,461 |
| Cash dividends to net income (ytd only)* | 3.3113% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5797% | 2,124 |
| Loan loss allowance to noncurrent loans | 960.1942% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.0952% | 5,564 |
| Noncurrent loans to loans | 0.1645% | 5,178 |
| Net loans and leases to total assets | 56.9577% | 4,094 |
| Net loans and leases to deposits | 63.2504% | 4,461 |
| Net loans and leases to core deposits | 64.4714% | 4,658 |
| Total domestic deposits to total assets | 90.0512% | 729 |
| Equity capital to assets | 8.9130% | 5,380 |
| Core capital (leverage) ratio | 9.4258% | 4,386 |
| Tier 1 risk-based capital ratio | 14.7383% | 3,581 |
| Total risk-based capital ratio | 15.9910% | 3,511 |
| Memoranda: | ||
| Average total assets | $214,586,000 | 2,857 |
| Average earning assets | $200,655,500 | 2,829 |
| Average equity | $19,323,000 | 3,308 |
| Average total loans | $125,088,500 | 2,999 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4727% | 5,385 |
| Cost of funding earning assets | 0.2501% | 5,321 |
| Net interest margin | 3.2226% | 4,850 |
| Noninterest income to average assets | 0.5461% | 3,193 |
| Noninterest expense to average assets | 2.7770% | 3,571 |
| Loan and lease loss provision to assets | 0.0471% | 3,629 |
| Net operating income to assets | 0.5192% | 4,734 |
| Return on assets (ROA) | 0.5192% | 4,821 |
| Pretax return on assets | 0.7240% | 4,535 |
| Return on Equity (ROE) | 5.7921% | 4,265 |
| Retained earnings to average equity (ytd only) | 2.2633% | 4,627 |
| Net charge-offs to loans | 0.0795% | 3,356 |
| Credit loss provision to net charge-offs | 102.0408% | 2,348 |
| Earnings coverage of net charge-offs (x) | 16.7143% | 1,990 |
| Efficiency ratio | 78.2672% | 2,171 |
| Assets per employee ($millions) | 3.5469% | 4,825 |
| Cash dividends to net income (ytd only)* | 60.9248% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5620% | 2,221 |
| Loan loss allowance to noncurrent loans | 648.5050% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.1414% | 5,465 |
| Noncurrent loans to loans | 0.2409% | 4,967 |
| Net loans and leases to total assets | 57.8037% | 4,070 |
| Net loans and leases to deposits | 64.1917% | 4,507 |
| Net loans and leases to core deposits | 65.4520% | 4,711 |
| Total domestic deposits to total assets | 90.0486% | 709 |
| Equity capital to assets | 9.0980% | 5,180 |
| Core capital (leverage) ratio | 9.1524% | 4,749 |
| Tier 1 risk-based capital ratio | 14.5432% | 3,749 |
| Total risk-based capital ratio | 15.7958% | 3,683 |
| Memoranda: | ||
| Average total assets | $212,423,800 | 2,856 |
| Average earning assets | $197,886,000 | 2,827 |
| Average equity | $19,043,200 | 3,284 |
| Average total loans | $123,274,200 | 2,983 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4438% | 5,511 |
| Cost of funding earning assets | 0.2511% | 5,395 |
| Net interest margin | 3.1927% | 4,991 |
| Noninterest income to average assets | 0.5369% | 3,278 |
| Noninterest expense to average assets | 2.7548% | 3,621 |
| Loan and lease loss provision to assets | 0.0471% | 3,437 |
| Net operating income to assets | 0.5042% | 4,859 |
| Return on assets (ROA) | 0.5042% | 4,920 |
| Pretax return on assets | 0.7052% | 4,690 |
| Return on Equity (ROE) | 5.6458% | 4,424 |
| Retained earnings to average equity (ytd only) | 3.2834% | 4,287 |
| Net charge-offs to loans | 0.0727% | 3,155 |
| Credit loss provision to net charge-offs | 111.9403% | 2,018 |
| Earnings coverage of net charge-offs (x) | 17.8808% | 1,878 |
| Efficiency ratio | 78.5497% | 2,104 |
| Assets per employee ($millions) | 3.4455% | 4,963 |
| Cash dividends to net income (ytd only)* | 41.8432% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5745% | 2,398 |
| Loan loss allowance to noncurrent loans | 689.4366% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 5,643 |
| Noncurrent loans to loans | 0.2284% | 5,211 |
| Net loans and leases to total assets | 57.2969% | 4,168 |
| Net loans and leases to deposits | 63.5983% | 4,586 |
| Net loans and leases to core deposits | 65.3469% | 4,765 |
| Total domestic deposits to total assets | 90.0919% | 693 |
| Equity capital to assets | 9.1081% | 5,245 |
| Core capital (leverage) ratio | 9.2420% | 4,720 |
| Tier 1 risk-based capital ratio | 14.5510% | 3,857 |
| Total risk-based capital ratio | 15.8035% | 3,796 |
| Memoranda: | ||
| Average total assets | $212,326,000 | 2,881 |
| Average earning assets | $197,528,250 | 2,859 |
| Average equity | $18,963,500 | 3,306 |
| Average total loans | $122,851,000 | 3,009 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4097% | 5,607 |
| Cost of funding earning assets | 0.2540% | 5,446 |
| Net interest margin | 3.1557% | 5,075 |
| Noninterest income to average assets | 0.5342% | 3,241 |
| Noninterest expense to average assets | 2.8146% | 3,444 |
| Loan and lease loss provision to assets | 0.0425% | 3,471 |
| Net operating income to assets | 0.4521% | 5,006 |
| Return on assets (ROA) | 0.4521% | 5,086 |
| Pretax return on assets | 0.6088% | 4,932 |
| Return on Equity (ROE) | 5.0960% | 4,629 |
| Retained earnings to average equity (ytd only) | 1.5214% | 5,135 |
| Net charge-offs to loans | 0.0670% | 3,033 |
| Credit loss provision to net charge-offs | 109.7561% | 1,829 |
| Earnings coverage of net charge-offs (x) | 16.8293% | 1,766 |
| Efficiency ratio | 81.2092% | 1,852 |
| Assets per employee ($millions) | 3.3994% | 5,057 |
| Cash dividends to net income (ytd only)* | 70.1461% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5765% | 2,555 |
| Loan loss allowance to noncurrent loans | 690.4594% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.1321% | 5,759 |
| Noncurrent loans to loans | 0.2283% | 5,315 |
| Net loans and leases to total assets | 56.9625% | 4,119 |
| Net loans and leases to deposits | 63.1125% | 4,582 |
| Net loans and leases to core deposits | 64.2631% | 4,799 |
| Total domestic deposits to total assets | 90.2555% | 682 |
| Equity capital to assets | 8.9446% | 5,364 |
| Core capital (leverage) ratio | 9.0838% | 4,895 |
| Tier 1 risk-based capital ratio | 14.3826% | 4,004 |
| Total risk-based capital ratio | 15.6354% | 3,940 |
| Memoranda: | ||
| Average total assets | $211,893,330 | 2,894 |
| Average earning assets | $196,847,670 | 2,875 |
| Average equity | $18,799,000 | 3,313 |
| Average total loans | $122,348,670 | 3,022 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3926% | 5,664 |
| Cost of funding earning assets | 0.2553% | 5,536 |
| Net interest margin | 3.1373% | 5,128 |
| Noninterest income to average assets | 0.5181% | 3,277 |
| Noninterest expense to average assets | 2.7501% | 3,747 |
| Loan and lease loss provision to assets | 0.0569% | 2,974 |
| Net operating income to assets | 0.4574% | 4,903 |
| Return on assets (ROA) | 0.4574% | 4,972 |
| Pretax return on assets | 0.6263% | 4,735 |
| Return on Equity (ROE) | 5.1771% | 4,453 |
| Retained earnings to average equity (ytd only) | 5.1771% | 3,007 |
| Net charge-offs to loans | 0.0494% | 2,692 |
| Credit loss provision to net charge-offs | 200.0000% | 1,034 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,196 |
| Efficiency ratio | 80.0995% | 2,195 |
| Assets per employee ($millions) | 3.3721% | 5,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6171% | 2,622 |
| Loan loss allowance to noncurrent loans | 544.3213% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.1699% | 5,727 |
| Noncurrent loans to loans | 0.2971% | 5,226 |
| Net loans and leases to total assets | 56.2737% | 4,111 |
| Net loans and leases to deposits | 62.5190% | 4,487 |
| Net loans and leases to core deposits | 63.6812% | 4,716 |
| Total domestic deposits to total assets | 90.0105% | 1,069 |
| Equity capital to assets | 8.8273% | 5,299 |
| Core capital (leverage) ratio | 9.3118% | 4,561 |
| Tier 1 risk-based capital ratio | 14.5944% | 3,950 |
| Total risk-based capital ratio | 15.8472% | 3,901 |
| Memoranda: | ||
| Average total assets | $210,759,000 | 2,921 |
| Average earning assets | $195,840,000 | 2,900 |
| Average equity | $18,620,500 | 3,335 |
| Average total loans | $121,550,000 | 3,042 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6689% | 5,222 |
| Cost of funding earning assets | 0.2831% | 5,739 |
| Net interest margin | 3.3858% | 4,331 |
| Noninterest income to average assets | 0.5434% | 3,448 |
| Noninterest expense to average assets | 2.8767% | 3,441 |
| Loan and lease loss provision to assets | 0.0168% | 4,795 |
| Net operating income to assets | 0.5886% | 4,316 |
| Return on assets (ROA) | 0.5886% | 4,425 |
| Pretax return on assets | 0.7765% | 4,241 |
| Return on Equity (ROE) | 6.6176% | 3,768 |
| Retained earnings to average equity (ytd only) | 2.5120% | 4,465 |
| Net charge-offs to loans | 0.0270% | 4,879 |
| Credit loss provision to net charge-offs | 112.9032% | 2,139 |
| Earnings coverage of net charge-offs (x) | 53.2581% | 757 |
| Efficiency ratio | 78.3844% | 2,407 |
| Assets per employee ($millions) | 3.2165% | 5,457 |
| Cash dividends to net income (ytd only)* | 62.0408% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6038% | 2,746 |
| Loan loss allowance to noncurrent loans | 400.4107% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.2329% | 5,581 |
| Noncurrent loans to loans | 0.4005% | 5,008 |
| Net loans and leases to total assets | 57.2214% | 4,164 |
| Net loans and leases to deposits | 63.5565% | 4,553 |
| Net loans and leases to core deposits | 64.7551% | 4,804 |
| Total domestic deposits to total assets | 90.0322% | 1,053 |
| Equity capital to assets | 8.8428% | 5,212 |
| Core capital (leverage) ratio | 9.0988% | 4,858 |
| Tier 1 risk-based capital ratio | 14.5220% | 3,941 |
| Total risk-based capital ratio | 15.7744% | 3,872 |
| Memoranda: | ||
| Average total assets | $208,122,200 | 2,934 |
| Average earning assets | $192,182,400 | 2,927 |
| Average equity | $18,511,200 | 3,341 |
| Average total loans | $114,860,600 | 3,152 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6957% | 5,180 |
| Cost of funding earning assets | 0.2864% | 5,842 |
| Net interest margin | 3.4093% | 4,249 |
| Noninterest income to average assets | 0.5420% | 3,511 |
| Noninterest expense to average assets | 2.7970% | 3,674 |
| Loan and lease loss provision to assets | 0.0224% | 4,557 |
| Net operating income to assets | 0.6606% | 4,064 |
| Return on assets (ROA) | 0.6606% | 4,201 |
| Pretax return on assets | 0.8684% | 4,015 |
| Return on Equity (ROE) | 7.4164% | 3,424 |
| Retained earnings to average equity (ytd only) | 4.8531% | 3,190 |
| Net charge-offs to loans | -0.0259% | 6,125 |
| Credit loss provision to net charge-offs | -159.0909% | 5,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8435% | 2,757 |
| Assets per employee ($millions) | 3.2855% | 5,309 |
| Cash dividends to net income (ytd only)* | 34.5627% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6774% | 2,702 |
| Loan loss allowance to noncurrent loans | 710.2837% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.1341% | 6,043 |
| Noncurrent loans to loans | 0.2362% | 5,643 |
| Net loans and leases to total assets | 55.8382% | 4,343 |
| Net loans and leases to deposits | 62.1469% | 4,746 |
| Net loans and leases to core deposits | 63.1748% | 4,991 |
| Total domestic deposits to total assets | 89.8488% | 1,086 |
| Equity capital to assets | 8.8886% | 5,311 |
| Core capital (leverage) ratio | 9.3840% | 4,550 |
| Tier 1 risk-based capital ratio | 14.7436% | 3,918 |
| Total risk-based capital ratio | 15.9970% | 3,880 |
| Memoranda: | ||
| Average total assets | $207,884,250 | 2,951 |
| Average earning assets | $191,820,750 | 2,953 |
| Average equity | $18,517,000 | 3,376 |
| Average total loans | $113,179,500 | 3,206 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6804% | 5,210 |
| Cost of funding earning assets | 0.2898% | 5,906 |
| Net interest margin | 3.3906% | 4,221 |
| Noninterest income to average assets | 0.5244% | 3,671 |
| Noninterest expense to average assets | 2.8326% | 3,566 |
| Loan and lease loss provision to assets | 0.0145% | 4,597 |
| Net operating income to assets | 0.6200% | 4,197 |
| Return on assets (ROA) | 0.6200% | 4,357 |
| Pretax return on assets | 0.8074% | 4,284 |
| Return on Equity (ROE) | 6.9558% | 3,624 |
| Retained earnings to average equity (ytd only) | 3.3154% | 4,203 |
| Net charge-offs to loans | -0.0378% | 6,157 |
| Credit loss provision to net charge-offs | -71.4286% | 5,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5106% | 2,539 |
| Assets per employee ($millions) | 3.1230% | 5,633 |
| Cash dividends to net income (ytd only)* | 52.3364% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7203% | 2,704 |
| Loan loss allowance to noncurrent loans | 433.6980% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.2217% | 5,825 |
| Noncurrent loans to loans | 0.3967% | 5,278 |
| Net loans and leases to total assets | 54.9341% | 4,460 |
| Net loans and leases to deposits | 61.3642% | 4,816 |
| Net loans and leases to core deposits | 62.4128% | 5,060 |
| Total domestic deposits to total assets | 89.5214% | 1,310 |
| Equity capital to assets | 8.9260% | 5,297 |
| Core capital (leverage) ratio | 9.2124% | 4,680 |
| Tier 1 risk-based capital ratio | 14.8896% | 3,849 |
| Total risk-based capital ratio | 16.1438% | 3,816 |
| Memoranda: | ||
| Average total assets | $207,089,000 | 2,977 |
| Average earning assets | $191,177,000 | 2,976 |
| Average equity | $18,459,330 | 3,401 |
| Average total loans | $111,101,330 | 3,251 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6175% | 5,401 |
| Cost of funding earning assets | 0.2942% | 6,014 |
| Net interest margin | 3.3233% | 4,424 |
| Noninterest income to average assets | 0.5261% | 3,599 |
| Noninterest expense to average assets | 2.7132% | 4,004 |
| Loan and lease loss provision to assets | 0.0289% | 4,094 |
| Net operating income to assets | 0.6648% | 3,875 |
| Return on assets (ROA) | 0.6648% | 4,033 |
| Pretax return on assets | 0.8537% | 3,941 |
| Return on Equity (ROE) | 7.4635% | 3,238 |
| Retained earnings to average equity (ytd only) | 7.4635% | 1,956 |
| Net charge-offs to loans | -0.1064% | 6,473 |
| Credit loss provision to net charge-offs | -51.7241% | 5,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4555% | 3,015 |
| Assets per employee ($millions) | 3.2510% | 5,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8027% | 2,610 |
| Loan loss allowance to noncurrent loans | 295.2522% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.3239% | 5,614 |
| Noncurrent loans to loans | 0.6106% | 4,916 |
| Net loans and leases to total assets | 52.0989% | 4,693 |
| Net loans and leases to deposits | 58.0661% | 5,022 |
| Net loans and leases to core deposits | 59.0463% | 5,242 |
| Total domestic deposits to total assets | 89.7234% | 1,209 |
| Equity capital to assets | 8.9617% | 5,535 |
| Core capital (leverage) ratio | 9.2775% | 4,437 |
| Tier 1 risk-based capital ratio | 15.3900% | 3,597 |
| Total risk-based capital ratio | 16.6447% | 3,553 |
| Memoranda: | ||
| Average total assets | $207,575,500 | 3,007 |
| Average earning assets | $191,734,500 | 2,989 |
| Average equity | $18,490,000 | 3,453 |
| Average total loans | $109,047,000 | 3,306 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8935% | 5,587 |
| Cost of funding earning assets | 0.4095% | 5,852 |
| Net interest margin | 3.4840% | 4,567 |
| Noninterest income to average assets | 0.5683% | 3,457 |
| Noninterest expense to average assets | 2.9221% | 3,557 |
| Loan and lease loss provision to assets | 0.0447% | 5,288 |
| Net operating income to assets | 0.6119% | 4,183 |
| Return on assets (ROA) | 0.6175% | 4,422 |
| Pretax return on assets | 0.8167% | 4,236 |
| Return on Equity (ROE) | 6.7998% | 3,761 |
| Retained earnings to average equity (ytd only) | 2.7516% | 4,301 |
| Net charge-offs to loans | 0.1250% | 4,432 |
| Credit loss provision to net charge-offs | 68.7023% | 4,211 |
| Earnings coverage of net charge-offs (x) | 13.1221% | 1,864 |
| Efficiency ratio | 77.3846% | 2,533 |
| Assets per employee ($millions) | 3.1860% | 5,656 |
| Cash dividends to net income (ytd only)* | 59.5334% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8068% | 2,566 |
| Loan loss allowance to noncurrent loans | 420.3024% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.2236% | 6,002 |
| Noncurrent loans to loans | 0.4299% | 5,420 |
| Net loans and leases to total assets | 51.0698% | 5,027 |
| Net loans and leases to deposits | 56.8230% | 5,358 |
| Net loans and leases to core deposits | 57.4166% | 5,596 |
| Total domestic deposits to total assets | 89.8753% | 1,027 |
| Equity capital to assets | 8.8533% | 5,683 |
| Core capital (leverage) ratio | 8.9845% | 4,922 |
| Tier 1 risk-based capital ratio | 15.4787% | 3,435 |
| Total risk-based capital ratio | 16.7330% | 3,394 |
| Memoranda: | ||
| Average total assets | $201,290,400 | 3,022 |
| Average earning assets | $185,332,800 | 3,024 |
| Average equity | $18,280,000 | 3,433 |
| Average total loans | $104,764,400 | 3,404 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9108% | 5,762 |
| Cost of funding earning assets | 0.4323% | 5,924 |
| Net interest margin | 3.4785% | 4,720 |
| Noninterest income to average assets | 0.5698% | 3,470 |
| Noninterest expense to average assets | 2.8582% | 3,755 |
| Loan and lease loss provision to assets | 0.0600% | 4,971 |
| Net operating income to assets | 0.6605% | 4,089 |
| Return on assets (ROA) | 0.6605% | 4,356 |
| Pretax return on assets | 0.8513% | 4,300 |
| Return on Equity (ROE) | 7.2262% | 3,681 |
| Retained earnings to average equity (ytd only) | 4.7737% | 3,540 |
| Net charge-offs to loans | 0.0795% | 4,600 |
| Credit loss provision to net charge-offs | 145.1613% | 1,968 |
| Earnings coverage of net charge-offs (x) | 22.0335% | 1,373 |
| Efficiency ratio | 75.8230% | 2,704 |
| Assets per employee ($millions) | 3.1500% | 5,734 |
| Cash dividends to net income (ytd only)* | 33.9394% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8879% | 2,517 |
| Loan loss allowance to noncurrent loans | 502.4938% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.1958% | 6,224 |
| Noncurrent loans to loans | 0.3757% | 5,722 |
| Net loans and leases to total assets | 51.1451% | 5,166 |
| Net loans and leases to deposits | 57.0592% | 5,529 |
| Net loans and leases to core deposits | 58.1995% | 5,716 |
| Total domestic deposits to total assets | 89.6351% | 1,053 |
| Equity capital to assets | 9.0872% | 5,730 |
| Core capital (leverage) ratio | 9.4009% | 4,431 |
| Tier 1 risk-based capital ratio | 15.8184% | 3,366 |
| Total risk-based capital ratio | 17.0738% | 3,329 |
| Memoranda: | ||
| Average total assets | $199,841,250 | 3,078 |
| Average earning assets | $183,830,000 | 3,069 |
| Average equity | $18,266,500 | 3,470 |
| Average total loans | $104,029,250 | 3,457 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9266% | 5,846 |
| Cost of funding earning assets | 0.4552% | 5,938 |
| Net interest margin | 3.4714% | 4,794 |
| Noninterest income to average assets | 0.5853% | 3,352 |
| Noninterest expense to average assets | 2.9051% | 3,595 |
| Loan and lease loss provision to assets | 0.0706% | 4,746 |
| Net operating income to assets | 0.6236% | 4,259 |
| Return on assets (ROA) | 0.6236% | 4,507 |
| Pretax return on assets | 0.7951% | 4,491 |
| Return on Equity (ROE) | 6.8087% | 3,878 |
| Retained earnings to average equity (ytd only) | 3.1069% | 4,567 |
| Net charge-offs to loans | 0.0659% | 4,506 |
| Credit loss provision to net charge-offs | 205.8824% | 1,378 |
| Earnings coverage of net charge-offs (x) | 25.2353% | 1,203 |
| Efficiency ratio | 77.0404% | 2,583 |
| Assets per employee ($millions) | 3.0297% | 6,009 |
| Cash dividends to net income (ytd only)* | 54.3689% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9401% | 2,413 |
| Loan loss allowance to noncurrent loans | 452.5727% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.2235% | 6,217 |
| Noncurrent loans to loans | 0.4287% | 5,676 |
| Net loans and leases to total assets | 51.1350% | 5,199 |
| Net loans and leases to deposits | 57.0608% | 5,542 |
| Net loans and leases to core deposits | 58.1479% | 5,763 |
| Total domestic deposits to total assets | 89.6149% | 1,152 |
| Equity capital to assets | 9.0584% | 5,640 |
| Core capital (leverage) ratio | 9.2649% | 4,506 |
| Tier 1 risk-based capital ratio | 15.7925% | 3,282 |
| Total risk-based capital ratio | 17.0488% | 3,245 |
| Memoranda: | ||
| Average total assets | $198,205,330 | 3,102 |
| Average earning assets | $181,886,670 | 3,103 |
| Average equity | $18,153,330 | 3,475 |
| Average total loans | $103,127,670 | 3,494 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9622% | 5,880 |
| Cost of funding earning assets | 0.4703% | 6,013 |
| Net interest margin | 3.4919% | 4,751 |
| Noninterest income to average assets | 0.5757% | 3,374 |
| Noninterest expense to average assets | 2.7710% | 4,156 |
| Loan and lease loss provision to assets | 0.0811% | 4,377 |
| Net operating income to assets | 0.7115% | 3,829 |
| Return on assets (ROA) | 0.7115% | 4,044 |
| Pretax return on assets | 0.9142% | 3,983 |
| Return on Equity (ROE) | 7.7255% | 3,398 |
| Retained earnings to average equity (ytd only) | 7.7255% | 2,081 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5737% | 3,162 |
| Assets per employee ($millions) | 3.0641% | 6,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9707% | 2,446 |
| Loan loss allowance to noncurrent loans | 407.0281% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.2500% | 6,262 |
| Noncurrent loans to loans | 0.4842% | 5,702 |
| Net loans and leases to total assets | 50.6249% | 5,215 |
| Net loans and leases to deposits | 56.6510% | 5,532 |
| Net loans and leases to core deposits | 57.8232% | 5,723 |
| Total domestic deposits to total assets | 89.3627% | 1,446 |
| Equity capital to assets | 9.1120% | 5,340 |
| Core capital (leverage) ratio | 9.4943% | 4,054 |
| Tier 1 risk-based capital ratio | 16.1850% | 3,082 |
| Total risk-based capital ratio | 17.4413% | 3,036 |
| Memoranda: | ||
| Average total assets | $197,328,500 | 3,142 |
| Average earning assets | $180,304,000 | 3,142 |
| Average equity | $18,173,500 | 3,469 |
| Average total loans | $102,555,500 | 3,527 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1102% | 6,264 |
| Cost of funding earning assets | 0.6091% | 6,053 |
| Net interest margin | 3.5011% | 5,142 |
| Noninterest income to average assets | 0.5833% | 3,271 |
| Noninterest expense to average assets | 3.0384% | 3,446 |
| Loan and lease loss provision to assets | 0.0347% | 6,129 |
| Net operating income to assets | 0.5897% | 4,056 |
| Return on assets (ROA) | 0.5897% | 4,234 |
| Pretax return on assets | 0.6848% | 4,386 |
| Return on Equity (ROE) | 6.1231% | 3,804 |
| Retained earnings to average equity (ytd only) | 2.0188% | 4,778 |
| Net charge-offs to loans | 0.0305% | 6,018 |
| Credit loss provision to net charge-offs | 209.6774% | 1,176 |
| Earnings coverage of net charge-offs (x) | 43.4516% | 630 |
| Efficiency ratio | 80.8529% | 2,181 |
| Assets per employee ($millions) | 2.9620% | 6,175 |
| Cash dividends to net income (ytd only)* | 67.0290% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9432% | 2,440 |
| Loan loss allowance to noncurrent loans | 406.3395% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.2501% | 6,342 |
| Noncurrent loans to loans | 0.4782% | 5,752 |
| Net loans and leases to total assets | 51.2911% | 5,430 |
| Net loans and leases to deposits | 57.1190% | 5,786 |
| Net loans and leases to core deposits | 58.2512% | 5,986 |
| Total domestic deposits to total assets | 89.7969% | 1,100 |
| Equity capital to assets | 9.3094% | 5,138 |
| Core capital (leverage) ratio | 9.3608% | 4,238 |
| Tier 1 risk-based capital ratio | 15.9680% | 3,066 |
| Total risk-based capital ratio | 17.2238% | 3,023 |
| Memoranda: | ||
| Average total assets | $187,206,800 | 3,232 |
| Average earning assets | $169,748,200 | 3,250 |
| Average equity | $18,030,200 | 3,418 |
| Average total loans | $101,562,000 | 3,580 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0994% | 6,416 |
| Cost of funding earning assets | 0.6224% | 6,171 |
| Net interest margin | 3.4769% | 5,287 |
| Noninterest income to average assets | 0.5812% | 3,293 |
| Noninterest expense to average assets | 3.0053% | 3,537 |
| Loan and lease loss provision to assets | 0.0173% | 6,222 |
| Net operating income to assets | 0.6251% | 3,990 |
| Return on assets (ROA) | 0.6251% | 4,164 |
| Pretax return on assets | 0.7166% | 4,411 |
| Return on Equity (ROE) | 6.4337% | 3,802 |
| Retained earnings to average equity (ytd only) | 3.9433% | 3,916 |
| Net charge-offs to loans | -0.0131% | 6,821 |
| Credit loss provision to net charge-offs | -240.0000% | 6,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3737% | 2,201 |
| Assets per employee ($millions) | 2.9504% | 6,230 |
| Cash dividends to net income (ytd only)* | 38.7099% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9642% | 2,436 |
| Loan loss allowance to noncurrent loans | 446.5169% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.2285% | 6,487 |
| Noncurrent loans to loans | 0.4399% | 5,962 |
| Net loans and leases to total assets | 50.9300% | 5,592 |
| Net loans and leases to deposits | 57.0312% | 5,932 |
| Net loans and leases to core deposits | 58.1525% | 6,116 |
| Total domestic deposits to total assets | 89.3020% | 1,251 |
| Equity capital to assets | 9.4563% | 5,156 |
| Core capital (leverage) ratio | 9.7192% | 3,817 |
| Tier 1 risk-based capital ratio | 16.4233% | 2,899 |
| Total risk-based capital ratio | 17.6795% | 2,864 |
| Memoranda: | ||
| Average total assets | $185,136,000 | 3,272 |
| Average earning assets | $168,152,000 | 3,287 |
| Average equity | $17,988,000 | 3,427 |
| Average total loans | $101,388,500 | 3,612 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1305% | 6,421 |
| Cost of funding earning assets | 0.6379% | 6,284 |
| Net interest margin | 3.4927% | 5,195 |
| Noninterest income to average assets | 0.5793% | 3,270 |
| Noninterest expense to average assets | 3.1065% | 3,228 |
| Loan and lease loss provision to assets | 0.0264% | 5,972 |
| Net operating income to assets | 0.5672% | 4,225 |
| Return on assets (ROA) | 0.5672% | 4,349 |
| Pretax return on assets | 0.6365% | 4,627 |
| Return on Equity (ROE) | 5.7828% | 4,069 |
| Retained earnings to average equity (ytd only) | 2.0173% | 4,971 |
| Net charge-offs to loans | -0.0375% | 6,981 |
| Credit loss provision to net charge-offs | -126.3158% | 6,329 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4147% | 2,045 |
| Assets per employee ($millions) | 2.7893% | 6,491 |
| Cash dividends to net income (ytd only)* | 65.1163% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9911% | 2,399 |
| Loan loss allowance to noncurrent loans | 256.2259% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.4231% | 6,084 |
| Noncurrent loans to loans | 0.7771% | 5,361 |
| Net loans and leases to total assets | 53.3681% | 5,376 |
| Net loans and leases to deposits | 59.6374% | 5,764 |
| Net loans and leases to core deposits | 60.7529% | 6,027 |
| Total domestic deposits to total assets | 89.4876% | 1,251 |
| Equity capital to assets | 9.7851% | 4,405 |
| Core capital (leverage) ratio | 9.8237% | 3,487 |
| Tier 1 risk-based capital ratio | 16.4054% | 2,788 |
| Total risk-based capital ratio | 17.6623% | 2,746 |
| Memoranda: | ||
| Average total assets | $181,938,670 | 3,340 |
| Average earning assets | $166,177,000 | 3,333 |
| Average equity | $17,846,000 | 3,441 |
| Average total loans | $101,464,000 | 3,646 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1105% | 6,484 |
| Cost of funding earning assets | 0.6385% | 6,434 |
| Net interest margin | 3.4720% | 5,138 |
| Noninterest income to average assets | 0.5684% | 3,380 |
| Noninterest expense to average assets | 3.0919% | 3,284 |
| Loan and lease loss provision to assets | 0.0531% | 5,339 |
| Net operating income to assets | 0.5596% | 4,234 |
| Return on assets (ROA) | 0.5596% | 4,312 |
| Pretax return on assets | 0.6104% | 4,645 |
| Return on Equity (ROE) | 5.6976% | 4,066 |
| Retained earnings to average equity (ytd only) | 5.6976% | 2,800 |
| Net charge-offs to loans | -0.0862% | 7,048 |
| Credit loss provision to net charge-offs | -109.0909% | 5,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3322% | 2,175 |
| Assets per employee ($millions) | 2.7993% | 6,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9776% | 2,472 |
| Loan loss allowance to noncurrent loans | 281.1533% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.3848% | 6,241 |
| Noncurrent loans to loans | 0.7034% | 5,609 |
| Net loans and leases to total assets | 53.6289% | 5,359 |
| Net loans and leases to deposits | 60.1594% | 5,715 |
| Net loans and leases to core deposits | 61.3788% | 5,982 |
| Total domestic deposits to total assets | 89.1445% | 1,680 |
| Equity capital to assets | 9.7037% | 4,170 |
| Core capital (leverage) ratio | 10.0074% | 3,136 |
| Tier 1 risk-based capital ratio | 16.2525% | 2,783 |
| Total risk-based capital ratio | 17.5094% | 2,742 |
| Memoranda: | ||
| Average total assets | $180,859,500 | 3,376 |
| Average earning assets | $166,012,500 | 3,360 |
| Average equity | $17,762,000 | 3,436 |
| Average total loans | $102,073,500 | 3,669 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6844% | 5,850 |
| Cost of funding earning assets | 0.7734% | 6,672 |
| Net interest margin | 3.9111% | 3,432 |
| Noninterest income to average assets | 0.6108% | 3,400 |
| Noninterest expense to average assets | 3.2932% | 2,761 |
| Loan and lease loss provision to assets | 0.1752% | 5,475 |
| Net operating income to assets | 0.6458% | 3,461 |
| Return on assets (ROA) | 0.6458% | 3,610 |
| Pretax return on assets | 0.7153% | 3,920 |
| Return on Equity (ROE) | 6.2779% | 3,462 |
| Retained earnings to average equity (ytd only) | 1.9923% | 4,471 |
| Net charge-offs to loans | 0.1818% | 5,218 |
| Credit loss provision to net charge-offs | 159.5745% | 2,192 |
| Earnings coverage of net charge-offs (x) | 8.1117% | 2,014 |
| Efficiency ratio | 78.7160% | 2,576 |
| Assets per employee ($millions) | 2.6813% | 6,718 |
| Cash dividends to net income (ytd only)* | 68.2640% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8949% | 2,581 |
| Loan loss allowance to noncurrent loans | 386.7327% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.2854% | 6,534 |
| Noncurrent loans to loans | 0.4900% | 6,054 |
| Net loans and leases to total assets | 57.1376% | 5,160 |
| Net loans and leases to deposits | 64.0950% | 5,619 |
| Net loans and leases to core deposits | 65.6386% | 5,913 |
| Total domestic deposits to total assets | 89.1452% | 1,575 |
| Equity capital to assets | 9.9433% | 3,819 |
| Core capital (leverage) ratio | 10.0905% | 2,982 |
| Tier 1 risk-based capital ratio | 15.8982% | 2,796 |
| Total risk-based capital ratio | 17.1540% | 2,751 |
| Memoranda: | ||
| Average total assets | $171,259,400 | 3,513 |
| Average earning assets | $156,454,000 | 3,514 |
| Average equity | $17,617,400 | 3,488 |
| Average total loans | $103,425,400 | 3,693 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7466% | 5,866 |
| Cost of funding earning assets | 0.7811% | 6,817 |
| Net interest margin | 3.9656% | 3,256 |
| Noninterest income to average assets | 0.5982% | 3,449 |
| Noninterest expense to average assets | 3.2894% | 2,604 |
| Loan and lease loss provision to assets | 0.1829% | 5,216 |
| Net operating income to assets | 0.6759% | 3,521 |
| Return on assets (ROA) | 0.6759% | 3,679 |
| Pretax return on assets | 0.7411% | 4,113 |
| Return on Equity (ROE) | 6.5141% | 3,568 |
| Retained earnings to average equity (ytd only) | 3.8585% | 3,750 |
| Net charge-offs to loans | 0.1726% | 4,931 |
| Credit loss provision to net charge-offs | 173.8806% | 2,116 |
| Earnings coverage of net charge-offs (x) | 8.7837% | 2,111 |
| Efficiency ratio | 78.0697% | 2,614 |
| Assets per employee ($millions) | 2.6336% | 6,876 |
| Cash dividends to net income (ytd only)* | 40.7667% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8837% | 2,533 |
| Loan loss allowance to noncurrent loans | 494.8980% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.2554% | 6,728 |
| Noncurrent loans to loans | 0.3806% | 6,429 |
| Net loans and leases to total assets | 58.1343% | 5,242 |
| Net loans and leases to deposits | 65.4878% | 5,723 |
| Net loans and leases to core deposits | 67.3471% | 6,008 |
| Total domestic deposits to total assets | 88.7711% | 1,526 |
| Equity capital to assets | 10.3216% | 3,737 |
| Core capital (leverage) ratio | 10.5665% | 2,621 |
| Tier 1 risk-based capital ratio | 16.0825% | 2,724 |
| Total risk-based capital ratio | 17.3387% | 2,670 |
| Memoranda: | ||
| Average total assets | $169,833,250 | 3,585 |
| Average earning assets | $154,829,500 | 3,603 |
| Average equity | $17,622,750 | 3,532 |
| Average total loans | $103,515,250 | 3,747 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7306% | 6,042 |
| Cost of funding earning assets | 0.7971% | 6,923 |
| Net interest margin | 3.9335% | 3,304 |
| Noninterest income to average assets | 0.6077% | 3,283 |
| Noninterest expense to average assets | 3.2426% | 2,752 |
| Loan and lease loss provision to assets | 0.1958% | 4,917 |
| Net operating income to assets | 0.7003% | 3,406 |
| Return on assets (ROA) | 0.7003% | 3,561 |
| Pretax return on assets | 0.7537% | 4,052 |
| Return on Equity (ROE) | 6.7364% | 3,429 |
| Retained earnings to average equity (ytd only) | 2.7288% | 4,396 |
| Net charge-offs to loans | 0.1466% | 4,766 |
| Credit loss provision to net charge-offs | 217.1053% | 1,800 |
| Earnings coverage of net charge-offs (x) | 10.5263% | 1,879 |
| Efficiency ratio | 77.3499% | 2,839 |
| Assets per employee ($millions) | 2.4449% | 7,170 |
| Cash dividends to net income (ytd only)* | 59.4915% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8629% | 2,532 |
| Loan loss allowance to noncurrent loans | 1,072.2222% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.1461% | 7,026 |
| Noncurrent loans to loans | 0.1737% | 6,907 |
| Net loans and leases to total assets | 59.4073% | 5,172 |
| Net loans and leases to deposits | 66.9661% | 5,685 |
| Net loans and leases to core deposits | 68.8084% | 5,984 |
| Total domestic deposits to total assets | 88.7124% | 1,593 |
| Equity capital to assets | 10.2668% | 3,686 |
| Core capital (leverage) ratio | 10.4652% | 2,655 |
| Tier 1 risk-based capital ratio | 15.7329% | 2,789 |
| Total risk-based capital ratio | 16.9884% | 2,754 |
| Memoranda: | ||
| Average total assets | $168,504,330 | 3,628 |
| Average earning assets | $153,554,000 | 3,645 |
| Average equity | $17,516,670 | 3,543 |
| Average total loans | $103,690,670 | 3,778 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7683% | 6,007 |
| Cost of funding earning assets | 0.8017% | 7,083 |
| Net interest margin | 3.9666% | 3,017 |
| Noninterest income to average assets | 0.6292% | 3,092 |
| Noninterest expense to average assets | 3.3305% | 2,430 |
| Loan and lease loss provision to assets | 0.2393% | 4,132 |
| Net operating income to assets | 0.6938% | 3,465 |
| Return on assets (ROA) | 0.6938% | 3,580 |
| Pretax return on assets | 0.6699% | 4,337 |
| Return on Equity (ROE) | 6.6326% | 3,552 |
| Retained earnings to average equity (ytd only) | 6.2895% | 2,473 |
| Net charge-offs to loans | 0.3162% | 3,152 |
| Credit loss provision to net charge-offs | 121.9512% | 2,869 |
| Earnings coverage of net charge-offs (x) | 4.6341% | 2,584 |
| Efficiency ratio | 78.5553% | 2,802 |
| Assets per employee ($millions) | 2.4093% | 7,320 |
| Cash dividends to net income (ytd only)* | 5.1724% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7985% | 2,735 |
| Loan loss allowance to noncurrent loans | 701.5094% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.1986% | 6,967 |
| Noncurrent loans to loans | 0.2564% | 6,819 |
| Net loans and leases to total assets | 60.1871% | 5,091 |
| Net loans and leases to deposits | 67.9700% | 5,593 |
| Net loans and leases to core deposits | 69.2338% | 5,978 |
| Total domestic deposits to total assets | 88.5496% | 1,759 |
| Equity capital to assets | 10.5183% | 3,232 |
| Core capital (leverage) ratio | 10.6890% | 2,458 |
| Tier 1 risk-based capital ratio | 15.6935% | 2,785 |
| Total risk-based capital ratio | 16.9423% | 2,732 |
| Memoranda: | ||
| Average total assets | $167,184,500 | 3,710 |
| Average earning assets | $152,171,500 | 3,719 |
| Average equity | $17,489,500 | 3,572 |
| Average total loans | $103,735,000 | 3,833 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5232% | 4,024 |
| Cost of funding earning assets | 1.0172% | 7,177 |
| Net interest margin | 4.5059% | 1,169 |
| Noninterest income to average assets | 0.6846% | 3,058 |
| Noninterest expense to average assets | 3.5130% | 2,344 |
| Loan and lease loss provision to assets | 0.4260% | 4,272 |
| Net operating income to assets | 0.7273% | 2,822 |
| Return on assets (ROA) | 0.7278% | 2,896 |
| Pretax return on assets | 0.8757% | 3,001 |
| Return on Equity (ROE) | 6.9443% | 2,810 |
| Retained earnings to average equity (ytd only) | 1.4225% | 4,071 |
| Net charge-offs to loans | 0.4638% | 3,929 |
| Credit loss provision to net charge-offs | 143.7372% | 3,334 |
| Earnings coverage of net charge-offs (x) | 4.3901% | 2,968 |
| Efficiency ratio | 72.9743% | 4,101 |
| Assets per employee ($millions) | 2.3674% | 7,393 |
| Cash dividends to net income (ytd only)* | 79.5151% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7684% | 2,647 |
| Loan loss allowance to noncurrent loans | 667.0290% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 7,022 |
| Noncurrent loans to loans | 0.2651% | 6,764 |
| Net loans and leases to total assets | 61.7095% | 5,051 |
| Net loans and leases to deposits | 69.9315% | 5,610 |
| Net loans and leases to core deposits | 77.6199% | 6,286 |
| Total domestic deposits to total assets | 88.2428% | 1,862 |
| Equity capital to assets | 10.4031% | 3,281 |
| Core capital (leverage) ratio | 10.5907% | 2,511 |
| Tier 1 risk-based capital ratio | 15.4720% | 2,729 |
| Total risk-based capital ratio | 16.7207% | 2,682 |
| Memoranda: | ||
| Average total assets | $164,330,800 | 3,695 |
| Average earning assets | $150,602,200 | 3,702 |
| Average equity | $17,222,800 | 3,629 |
| Average total loans | $105,007,400 | 3,804 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6384% | 3,645 |
| Cost of funding earning assets | 1.0537% | 7,282 |
| Net interest margin | 4.5847% | 1,012 |
| Noninterest income to average assets | 0.6789% | 3,162 |
| Noninterest expense to average assets | 3.4718% | 2,349 |
| Loan and lease loss provision to assets | 0.4391% | 3,711 |
| Net operating income to assets | 0.8035% | 2,803 |
| Return on assets (ROA) | 0.8041% | 2,862 |
| Pretax return on assets | 0.9822% | 2,961 |
| Return on Equity (ROE) | 7.6582% | 2,791 |
| Retained earnings to average equity (ytd only) | 4.2047% | 2,927 |
| Net charge-offs to loans | 0.4308% | 3,530 |
| Credit loss provision to net charge-offs | 158.8235% | 2,992 |
| Earnings coverage of net charge-offs (x) | 5.1383% | 2,912 |
| Efficiency ratio | 70.9656% | 4,429 |
| Assets per employee ($millions) | 2.3396% | 7,457 |
| Cash dividends to net income (ytd only)* | 45.0960% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7236% | 2,536 |
| Loan loss allowance to noncurrent loans | 381.6284% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.2925% | 6,756 |
| Noncurrent loans to loans | 0.4517% | 6,418 |
| Net loans and leases to total assets | 63.6404% | 4,945 |
| Net loans and leases to deposits | 72.2329% | 5,610 |
| Net loans and leases to core deposits | 80.1161% | 6,343 |
| Total domestic deposits to total assets | 88.1044% | 1,611 |
| Equity capital to assets | 10.7440% | 3,249 |
| Core capital (leverage) ratio | 10.8407% | 2,535 |
| Tier 1 risk-based capital ratio | 15.4860% | 2,833 |
| Total risk-based capital ratio | 16.7400% | 2,770 |
| Memoranda: | ||
| Average total assets | $163,983,500 | 3,723 |
| Average earning assets | $150,699,750 | 3,711 |
| Average equity | $17,218,500 | 3,658 |
| Average total loans | $105,232,750 | 3,846 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7590% | 3,257 |
| Cost of funding earning assets | 1.1058% | 7,366 |
| Net interest margin | 4.6532% | 868 |
| Noninterest income to average assets | 0.6522% | 3,330 |
| Noninterest expense to average assets | 3.4245% | 2,554 |
| Loan and lease loss provision to assets | 0.4876% | 3,097 |
| Net operating income to assets | 0.8207% | 2,775 |
| Return on assets (ROA) | 0.8217% | 2,867 |
| Pretax return on assets | 1.0094% | 2,974 |
| Return on Equity (ROE) | 7.8864% | 2,821 |
| Retained earnings to average equity (ytd only) | 2.6678% | 3,843 |
| Net charge-offs to loans | 0.5164% | 2,776 |
| Credit loss provision to net charge-offs | 147.6015% | 3,127 |
| Earnings coverage of net charge-offs (x) | 4.5277% | 3,077 |
| Efficiency ratio | 69.5986% | 4,861 |
| Assets per employee ($millions) | 2.3340% | 7,507 |
| Cash dividends to net income (ytd only)* | 66.1721% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6677% | 2,458 |
| Loan loss allowance to noncurrent loans | 585.6667% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.1836% | 7,077 |
| Noncurrent loans to loans | 0.2848% | 6,804 |
| Net loans and leases to total assets | 63.4082% | 5,098 |
| Net loans and leases to deposits | 71.7108% | 5,776 |
| Net loans and leases to core deposits | 79.3178% | 6,464 |
| Total domestic deposits to total assets | 88.4222% | 1,563 |
| Equity capital to assets | 10.4565% | 3,460 |
| Core capital (leverage) ratio | 10.7137% | 2,652 |
| Tier 1 risk-based capital ratio | 15.2505% | 2,909 |
| Total risk-based capital ratio | 16.4979% | 2,839 |
| Memoranda: | ||
| Average total assets | $164,053,000 | 3,738 |
| Average earning assets | $150,478,330 | 3,736 |
| Average equity | $17,092,670 | 3,694 |
| Average total loans | $104,958,670 | 3,894 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7550% | 3,504 |
| Cost of funding earning assets | 1.1637% | 7,382 |
| Net interest margin | 4.5912% | 951 |
| Noninterest income to average assets | 0.5986% | 3,560 |
| Noninterest expense to average assets | 3.3944% | 2,377 |
| Loan and lease loss provision to assets | 0.4867% | 2,536 |
| Net operating income to assets | 0.7547% | 3,330 |
| Return on assets (ROA) | 0.7567% | 3,493 |
| Pretax return on assets | 0.9246% | 3,622 |
| Return on Equity (ROE) | 7.2761% | 3,476 |
| Retained earnings to average equity (ytd only) | 4.7026% | 3,300 |
| Net charge-offs to loans | 0.4658% | 2,283 |
| Credit loss provision to net charge-offs | 163.9344% | 2,603 |
| Earnings coverage of net charge-offs (x) | 4.7459% | 2,821 |
| Efficiency ratio | 70.6687% | 4,435 |
| Assets per employee ($millions) | 2.3652% | 7,506 |
| Cash dividends to net income (ytd only)* | 35.3698% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6409% | 2,351 |
| Loan loss allowance to noncurrent loans | 543.3121% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 6,958 |
| Noncurrent loans to loans | 0.3020% | 6,682 |
| Net loans and leases to total assets | 62.6615% | 5,215 |
| Net loans and leases to deposits | 70.7443% | 5,897 |
| Net loans and leases to core deposits | 78.2246% | 6,517 |
| Total domestic deposits to total assets | 88.5747% | 1,446 |
| Equity capital to assets | 10.4811% | 3,481 |
| Core capital (leverage) ratio | 10.7293% | 2,716 |
| Tier 1 risk-based capital ratio | 15.4468% | 2,876 |
| Total risk-based capital ratio | 16.6996% | 2,808 |
| Memoranda: | ||
| Average total assets | $164,389,000 | 3,754 |
| Average earning assets | $150,548,000 | 3,741 |
| Average equity | $17,097,000 | 3,716 |
| Average total loans | $104,761,000 | 3,911 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4773% | 3,076 |
| Cost of funding earning assets | 1.6888% | 7,284 |
| Net interest margin | 4.7884% | 797 |
| Noninterest income to average assets | 0.6340% | 3,604 |
| Noninterest expense to average assets | 3.5092% | 2,373 |
| Loan and lease loss provision to assets | 0.2976% | 4,004 |
| Net operating income to assets | 0.9755% | 2,662 |
| Return on assets (ROA) | 0.9798% | 2,520 |
| Pretax return on assets | 1.2090% | 2,606 |
| Return on Equity (ROE) | 9.6992% | 2,363 |
| Retained earnings to average equity (ytd only) | 3.6298% | 2,891 |
| Net charge-offs to loans | 0.3604% | 3,037 |
| Credit loss provision to net charge-offs | 133.6898% | 3,973 |
| Earnings coverage of net charge-offs (x) | 6.7433% | 3,285 |
| Efficiency ratio | 70.0368% | 4,344 |
| Assets per employee ($millions) | 2.3997% | 7,398 |
| Cash dividends to net income (ytd only)* | 62.5759% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5424% | 2,489 |
| Loan loss allowance to noncurrent loans | 474.6356% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.2072% | 6,745 |
| Noncurrent loans to loans | 0.3250% | 6,398 |
| Net loans and leases to total assets | 62.7646% | 5,497 |
| Net loans and leases to deposits | 72.7496% | 5,971 |
| Net loans and leases to core deposits | 80.8007% | 6,552 |
| Total domestic deposits to total assets | 86.2748% | 2,273 |
| Equity capital to assets | 10.3208% | 3,693 |
| Core capital (leverage) ratio | 10.2454% | 3,216 |
| Tier 1 risk-based capital ratio | 15.0166% | 3,040 |
| Total risk-based capital ratio | 16.2618% | 2,956 |
| Memoranda: | ||
| Average total assets | $167,987,200 | 3,583 |
| Average earning assets | $153,536,800 | 3,592 |
| Average equity | $16,970,400 | 3,745 |
| Average total loans | $103,786,600 | 3,853 |