Home > First American Bank and Trust > Performance and Condition Ratios
First American Bank and Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2105% | 3,606 |
| Cost of funding earning assets | 1.2370% | 2,704 |
| Net interest margin | 2.9735% | 3,348 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.3423% | 2,736 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 0.8136% | 2,830 |
| Return on assets (ROA) | 0.8136% | 2,808 |
| Pretax return on assets | 1.0111% | 2,652 |
| Return on Equity (ROE) | 9.9300% | 2,513 |
| Retained earnings to average equity (ytd only) | 6.4154% | 2,088 |
| Net charge-offs to loans | 0.1170% | 817 |
| Credit loss provision to net charge-offs | -31.7378% | 4,446 |
| Earnings coverage of net charge-offs (x) | 14.7534% | 2,069 |
| Efficiency ratio | 70.2954% | 1,840 |
| Assets per employee ($millions) | 6.6067% | 2,338 |
| Cash dividends to net income (ytd only)* | 35.3956% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7875% | 551 |
| Loan loss allowance to noncurrent loans | 244.8556% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.4259% | 1,304 |
| Noncurrent loans to loans | 0.7300% | 1,067 |
| Net loans and leases to total assets | 57.2900% | 3,099 |
| Net loans and leases to deposits | 68.9202% | 2,957 |
| Net loans and leases to core deposits | 74.2464% | 3,065 |
| Total domestic deposits to total assets | 83.1300% | 2,859 |
| Equity capital to assets | 8.8756% | 2,767 |
| Core capital (leverage) ratio | 11.8431% | 1,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7133% | 498 |
| Memoranda: | ||
| Average total assets | $1,432,438,400 | 738 |
| Average earning assets | $1,357,990,400 | 721 |
| Average equity | $117,358,600 | 844 |
| Average total loans | $821,497,200 | 848 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1583% | 3,542 |
| Cost of funding earning assets | 1.1254% | 2,669 |
| Net interest margin | 3.0329% | 3,271 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.3697% | 2,598 |
| Loan and lease loss provision to assets | -0.0300% | 4,416 |
| Net operating income to assets | 0.8499% | 2,860 |
| Return on assets (ROA) | 0.8499% | 2,843 |
| Pretax return on assets | 1.0544% | 2,701 |
| Return on Equity (ROE) | 10.6000% | 2,483 |
| Retained earnings to average equity (ytd only) | 6.8449% | 2,346 |
| Net charge-offs to loans | 0.1464% | 565 |
| Credit loss provision to net charge-offs | -34.0402% | 4,492 |
| Earnings coverage of net charge-offs (x) | 12.2701% | 2,074 |
| Efficiency ratio | 69.7876% | 1,813 |
| Assets per employee ($millions) | 6.4359% | 2,370 |
| Cash dividends to net income (ytd only)* | 35.4084% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8233% | 543 |
| Loan loss allowance to noncurrent loans | 350.5386% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.3110% | 1,776 |
| Noncurrent loans to loans | 0.5201% | 1,521 |
| Net loans and leases to total assets | 58.7000% | 2,970 |
| Net loans and leases to deposits | 70.0015% | 2,842 |
| Net loans and leases to core deposits | 75.0689% | 2,926 |
| Total domestic deposits to total assets | 83.8500% | 2,821 |
| Equity capital to assets | 7.7537% | 3,208 |
| Core capital (leverage) ratio | 11.7247% | 1,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4110% | 524 |
| Memoranda: | ||
| Average total assets | $1,428,833,500 | 741 |
| Average earning assets | $1,353,079,750 | 723 |
| Average equity | $114,594,000 | 852 |
| Average total loans | $815,855,250 | 851 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0504% | 3,583 |
| Cost of funding earning assets | 0.9826% | 2,658 |
| Net interest margin | 3.0678% | 3,287 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.3372% | 2,689 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8376% | 2,965 |
| Return on assets (ROA) | 0.8376% | 2,975 |
| Pretax return on assets | 1.0360% | 2,812 |
| Return on Equity (ROE) | 10.3300% | 2,617 |
| Retained earnings to average equity (ytd only) | 6.3417% | 2,499 |
| Net charge-offs to loans | 0.2282% | 357 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 8.0759% | 2,062 |
| Efficiency ratio | 69.2872% | 1,836 |
| Assets per employee ($millions) | 6.4336% | 2,348 |
| Cash dividends to net income (ytd only)* | 38.6213% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8866% | 511 |
| Loan loss allowance to noncurrent loans | 403.7594% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.2713% | 1,845 |
| Noncurrent loans to loans | 0.4673% | 1,543 |
| Net loans and leases to total assets | 56.9600% | 3,049 |
| Net loans and leases to deposits | 68.0784% | 2,916 |
| Net loans and leases to core deposits | 72.2564% | 2,999 |
| Total domestic deposits to total assets | 83.6700% | 2,898 |
| Equity capital to assets | 8.2739% | 3,038 |
| Core capital (leverage) ratio | 11.4286% | 1,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2180% | 541 |
| Memoranda: | ||
| Average total assets | $1,437,436,000 | 727 |
| Average earning assets | $1,361,244,333 | 708 |
| Average equity | $116,530,000 | 839 |
| Average total loans | $808,206,333 | 840 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9069% | 3,656 |
| Cost of funding earning assets | 0.7821% | 2,795 |
| Net interest margin | 3.1248% | 3,296 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.3274% | 2,741 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8735% | 2,944 |
| Return on assets (ROA) | 0.8735% | 2,898 |
| Pretax return on assets | 1.0783% | 2,771 |
| Return on Equity (ROE) | 10.8900% | 2,523 |
| Retained earnings to average equity (ytd only) | 5.9703% | 2,770 |
| Net charge-offs to loans | -0.0520% | 4,373 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.3381% | 1,937 |
| Assets per employee ($millions) | 6.5856% | 2,278 |
| Cash dividends to net income (ytd only)* | 45.1521% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0518% | 399 |
| Loan loss allowance to noncurrent loans | 357.1213% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.3191% | 1,570 |
| Noncurrent loans to loans | 0.5745% | 1,297 |
| Net loans and leases to total assets | 53.7200% | 3,223 |
| Net loans and leases to deposits | 64.7919% | 3,027 |
| Net loans and leases to core deposits | 69.0468% | 3,018 |
| Total domestic deposits to total assets | 82.9100% | 3,318 |
| Equity capital to assets | 8.1203% | 3,160 |
| Core capital (leverage) ratio | 11.4780% | 1,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0225% | 569 |
| Memoranda: | ||
| Average total assets | $1,445,242,000 | 736 |
| Average earning assets | $1,366,497,500 | 717 |
| Average equity | $115,975,000 | 850 |
| Average total loans | $799,591,000 | 860 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6419% | 2,678 |
| Cost of funding earning assets | 0.2340% | 3,474 |
| Net interest margin | 3.4080% | 2,231 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.3126% | 2,685 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1473% | 1,982 |
| Return on assets (ROA) | 1.1473% | 1,924 |
| Pretax return on assets | 1.4045% | 1,758 |
| Return on Equity (ROE) | 13.0100% | 1,807 |
| Retained earnings to average equity (ytd only) | 9.6045% | 1,279 |
| Net charge-offs to loans | 0.1019% | 727 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 26.0108% | 1,761 |
| Efficiency ratio | 62.2139% | 2,731 |
| Assets per employee ($millions) | 6.1804% | 2,614 |
| Cash dividends to net income (ytd only)* | 26.1672% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0875% | 369 |
| Loan loss allowance to noncurrent loans | 584.9291% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.2035% | 2,151 |
| Noncurrent loans to loans | 0.3569% | 1,867 |
| Net loans and leases to total assets | 54.6700% | 3,143 |
| Net loans and leases to deposits | 63.5557% | 3,077 |
| Net loans and leases to core deposits | 65.6046% | 3,161 |
| Total domestic deposits to total assets | 86.0100% | 2,720 |
| Equity capital to assets | 7.9248% | 3,100 |
| Core capital (leverage) ratio | 11.3756% | 1,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3420% | 598 |
| Memoranda: | ||
| Average total assets | $1,374,060,200 | 754 |
| Average earning assets | $1,303,156,800 | 731 |
| Average equity | $121,183,200 | 805 |
| Average total loans | $728,380,200 | 875 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5208% | 2,547 |
| Cost of funding earning assets | 0.1557% | 3,782 |
| Net interest margin | 3.3650% | 2,082 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 2.2621% | 2,745 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1703% | 1,811 |
| Return on assets (ROA) | 1.1702% | 1,787 |
| Pretax return on assets | 1.4280% | 1,636 |
| Return on Equity (ROE) | 12.9300% | 1,718 |
| Retained earnings to average equity (ytd only) | 9.4447% | 1,500 |
| Net charge-offs to loans | 0.1545% | 420 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 17.6840% | 1,779 |
| Efficiency ratio | 61.3008% | 2,930 |
| Assets per employee ($millions) | 6.4340% | 2,378 |
| Cash dividends to net income (ytd only)* | 26.9446% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1583% | 371 |
| Loan loss allowance to noncurrent loans | 467.4167% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.2558% | 1,939 |
| Noncurrent loans to loans | 0.4617% | 1,646 |
| Net loans and leases to total assets | 53.2900% | 3,158 |
| Net loans and leases to deposits | 60.4981% | 3,149 |
| Net loans and leases to core deposits | 61.7247% | 3,255 |
| Total domestic deposits to total assets | 88.0800% | 2,405 |
| Equity capital to assets | 7.1377% | 3,436 |
| Core capital (leverage) ratio | 11.1817% | 1,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7261% | 582 |
| Memoranda: | ||
| Average total assets | $1,363,748,000 | 762 |
| Average earning assets | $1,295,328,750 | 743 |
| Average equity | $123,438,750 | 805 |
| Average total loans | $712,930,750 | 885 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4135% | 2,394 |
| Cost of funding earning assets | 0.1080% | 4,102 |
| Net interest margin | 3.3054% | 1,895 |
| Noninterest income to average assets | 0.5060% | 2,170 |
| Noninterest expense to average assets | 2.2369% | 2,745 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1500% | 1,600 |
| Return on assets (ROA) | 1.1488% | 1,587 |
| Pretax return on assets | 1.4109% | 1,407 |
| Return on Equity (ROE) | 11.8310% | 1,711 |
| Retained earnings to average equity (ytd only) | 8.2913% | 1,515 |
| Net charge-offs to loans | -0.0333% | 4,087 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2979% | 3,140 |
| Assets per employee ($millions) | 6.5643% | 2,266 |
| Cash dividends to net income (ytd only)* | 29.9189% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4230% | 282 |
| Loan loss allowance to noncurrent loans | 474.6444% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.2712% | 1,955 |
| Noncurrent loans to loans | 0.5105% | 1,602 |
| Net loans and leases to total assets | 50.4542% | 3,327 |
| Net loans and leases to deposits | 56.4632% | 3,346 |
| Net loans and leases to core deposits | 57.6179% | 3,452 |
| Total domestic deposits to total assets | 89.3576% | 2,021 |
| Equity capital to assets | 8.0565% | 3,078 |
| Core capital (leverage) ratio | 11.1695% | 1,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9355% | 541 |
| Memoranda: | ||
| Average total assets | $1,352,941,000 | 764 |
| Average earning assets | $1,286,554,333 | 749 |
| Average equity | $131,366,667 | 765 |
| Average total loans | $697,117,000 | 888 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2957% | 2,400 |
| Cost of funding earning assets | 0.0992% | 4,140 |
| Net interest margin | 3.1965% | 1,893 |
| Noninterest income to average assets | 0.4940% | 2,171 |
| Noninterest expense to average assets | 2.2799% | 2,575 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0385% | 1,728 |
| Return on assets (ROA) | 1.0385% | 1,726 |
| Pretax return on assets | 1.2602% | 1,619 |
| Return on Equity (ROE) | 9.8289% | 2,034 |
| Retained earnings to average equity (ytd only) | 5.7937% | 2,318 |
| Net charge-offs to loans | -0.0145% | 3,748 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4016% | 2,981 |
| Assets per employee ($millions) | 6.3537% | 2,498 |
| Cash dividends to net income (ytd only)* | 41.0545% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5043% | 286 |
| Loan loss allowance to noncurrent loans | 191.6722% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.6593% | 895 |
| Noncurrent loans to loans | 1.3066% | 668 |
| Net loans and leases to total assets | 49.1946% | 3,255 |
| Net loans and leases to deposits | 54.5925% | 3,371 |
| Net loans and leases to core deposits | 55.7440% | 3,465 |
| Total domestic deposits to total assets | 90.1124% | 1,494 |
| Equity capital to assets | 9.4731% | 2,308 |
| Core capital (leverage) ratio | 11.3655% | 1,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7612% | 582 |
| Memoranda: | ||
| Average total assets | $1,336,879,500 | 771 |
| Average earning assets | $1,274,016,500 | 757 |
| Average equity | $141,256,500 | 741 |
| Average total loans | $687,587,500 | 894 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6405% | 2,279 |
| Cost of funding earning assets | 0.1540% | 3,927 |
| Net interest margin | 3.4865% | 1,779 |
| Noninterest income to average assets | 0.5971% | 2,171 |
| Noninterest expense to average assets | 2.5546% | 2,010 |
| Loan and lease loss provision to assets | 0.0297% | 2,464 |
| Net operating income to assets | 1.0964% | 2,304 |
| Return on assets (ROA) | 1.0987% | 2,364 |
| Pretax return on assets | 1.3445% | 2,222 |
| Return on Equity (ROE) | 8.5794% | 3,056 |
| Retained earnings to average equity (ytd only) | 5.8457% | 2,423 |
| Net charge-offs to loans | -0.0472% | 4,306 |
| Credit loss provision to net charge-offs | -107.3620% | 3,373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0712% | 2,390 |
| Assets per employee ($millions) | 6.1108% | 2,653 |
| Cash dividends to net income (ytd only)* | 31.8631% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5131% | 271 |
| Loan loss allowance to noncurrent loans | 429.7432% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.3067% | 2,006 |
| Noncurrent loans to loans | 0.5848% | 1,675 |
| Net loans and leases to total assets | 51.1317% | 3,163 |
| Net loans and leases to deposits | 58.1242% | 3,244 |
| Net loans and leases to core deposits | 59.4084% | 3,362 |
| Total domestic deposits to total assets | 87.9697% | 2,060 |
| Equity capital to assets | 11.7080% | 1,388 |
| Core capital (leverage) ratio | 12.1243% | 1,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6829% | 516 |
| Memoranda: | ||
| Average total assets | $1,178,250,000 | 841 |
| Average earning assets | $1,124,979,600 | 820 |
| Average equity | $150,896,600 | 706 |
| Average total loans | $691,154,400 | 888 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7213% | 2,217 |
| Cost of funding earning assets | 0.1712% | 3,908 |
| Net interest margin | 3.5501% | 1,731 |
| Noninterest income to average assets | 0.6003% | 2,212 |
| Noninterest expense to average assets | 2.6138% | 1,799 |
| Loan and lease loss provision to assets | 0.0408% | 2,183 |
| Net operating income to assets | 1.0883% | 2,601 |
| Return on assets (ROA) | 1.0915% | 2,646 |
| Pretax return on assets | 1.3367% | 2,527 |
| Return on Equity (ROE) | 8.3194% | 3,310 |
| Retained earnings to average equity (ytd only) | 5.4593% | 3,054 |
| Net charge-offs to loans | -0.0976% | 4,603 |
| Credit loss provision to net charge-offs | -69.0335% | 3,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5539% | 2,166 |
| Assets per employee ($millions) | 5.5720% | 3,120 |
| Cash dividends to net income (ytd only)* | 34.3780% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5332% | 275 |
| Loan loss allowance to noncurrent loans | 325.2054% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.4568% | 1,663 |
| Noncurrent loans to loans | 0.7790% | 1,452 |
| Net loans and leases to total assets | 56.4676% | 2,675 |
| Net loans and leases to deposits | 65.1333% | 2,718 |
| Net loans and leases to core deposits | 66.9901% | 2,861 |
| Total domestic deposits to total assets | 86.6955% | 2,464 |
| Equity capital to assets | 12.8125% | 1,049 |
| Core capital (leverage) ratio | 12.9383% | 859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5270% | 567 |
| Memoranda: | ||
| Average total assets | $1,145,886,000 | 874 |
| Average earning assets | $1,093,241,750 | 851 |
| Average equity | $150,344,250 | 718 |
| Average total loans | $692,470,750 | 905 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6584% | 2,448 |
| Cost of funding earning assets | 0.1877% | 3,871 |
| Net interest margin | 3.4708% | 1,944 |
| Noninterest income to average assets | 0.6651% | 1,951 |
| Noninterest expense to average assets | 2.5578% | 1,972 |
| Loan and lease loss provision to assets | 0.0618% | 1,807 |
| Net operating income to assets | 1.1069% | 2,521 |
| Return on assets (ROA) | 1.1070% | 2,584 |
| Pretax return on assets | 1.3580% | 2,444 |
| Return on Equity (ROE) | 8.3688% | 3,290 |
| Retained earnings to average equity (ytd only) | 5.2640% | 3,092 |
| Net charge-offs to loans | -0.1219% | 4,685 |
| Credit loss provision to net charge-offs | -82.7423% | 3,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3070% | 2,384 |
| Assets per employee ($millions) | 5.3212% | 3,331 |
| Cash dividends to net income (ytd only)* | 37.0991% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4820% | 284 |
| Loan loss allowance to noncurrent loans | 291.7691% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.5589% | 1,490 |
| Noncurrent loans to loans | 0.8507% | 1,450 |
| Net loans and leases to total assets | 59.2548% | 2,513 |
| Net loans and leases to deposits | 68.5692% | 2,560 |
| Net loans and leases to core deposits | 70.7346% | 2,709 |
| Total domestic deposits to total assets | 86.4160% | 2,586 |
| Equity capital to assets | 13.1298% | 906 |
| Core capital (leverage) ratio | 12.9022% | 822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9605% | 544 |
| Memoranda: | ||
| Average total assets | $1,132,238,333 | 874 |
| Average earning assets | $1,080,568,333 | 847 |
| Average equity | $149,771,333 | 717 |
| Average total loans | $694,097,000 | 905 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6358% | 2,534 |
| Cost of funding earning assets | 0.1982% | 3,929 |
| Net interest margin | 3.4377% | 1,997 |
| Noninterest income to average assets | 0.6650% | 1,975 |
| Noninterest expense to average assets | 2.5634% | 1,981 |
| Loan and lease loss provision to assets | 0.1068% | 1,286 |
| Net operating income to assets | 1.0397% | 2,671 |
| Return on assets (ROA) | 1.0395% | 2,754 |
| Pretax return on assets | 1.2733% | 2,645 |
| Return on Equity (ROE) | 7.8283% | 3,382 |
| Retained earnings to average equity (ytd only) | 4.0080% | 3,500 |
| Net charge-offs to loans | 0.0243% | 1,265 |
| Credit loss provision to net charge-offs | 714.2857% | 507 |
| Earnings coverage of net charge-offs (x) | 92.3333% | 644 |
| Efficiency ratio | 64.9968% | 2,353 |
| Assets per employee ($millions) | 5.2118% | 3,418 |
| Cash dividends to net income (ytd only)* | 48.8014% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4350% | 289 |
| Loan loss allowance to noncurrent loans | 273.7022% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.5819% | 1,637 |
| Noncurrent loans to loans | 0.8897% | 1,522 |
| Net loans and leases to total assets | 59.3126% | 2,634 |
| Net loans and leases to deposits | 68.5427% | 2,645 |
| Net loans and leases to core deposits | 70.4933% | 2,830 |
| Total domestic deposits to total assets | 86.5338% | 2,511 |
| Equity capital to assets | 13.0820% | 890 |
| Core capital (leverage) ratio | 13.2534% | 789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4407% | 486 |
| Memoranda: | ||
| Average total assets | $1,123,668,500 | 870 |
| Average earning assets | $1,071,775,000 | 846 |
| Average equity | $149,201,500 | 717 |
| Average total loans | $691,947,500 | 911 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1843% | 2,184 |
| Cost of funding earning assets | 0.3144% | 4,060 |
| Net interest margin | 3.8700% | 1,308 |
| Noninterest income to average assets | 0.7139% | 1,818 |
| Noninterest expense to average assets | 2.7556% | 2,051 |
| Loan and lease loss provision to assets | 0.3842% | 838 |
| Net operating income to assets | 1.0188% | 2,224 |
| Return on assets (ROA) | 1.0284% | 2,328 |
| Pretax return on assets | 1.2554% | 2,137 |
| Return on Equity (ROE) | 7.1901% | 3,131 |
| Retained earnings to average equity (ytd only) | 4.3486% | 2,625 |
| Net charge-offs to loans | -0.0026% | 4,020 |
| Credit loss provision to net charge-offs | -21,666.6667% | 4,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8624% | 3,002 |
| Assets per employee ($millions) | 5.0279% | 3,364 |
| Cash dividends to net income (ytd only)* | 39.5191% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3891% | 302 |
| Loan loss allowance to noncurrent loans | 314.4295% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 2,027 |
| Noncurrent loans to loans | 0.7598% | 1,807 |
| Net loans and leases to total assets | 60.8928% | 2,746 |
| Net loans and leases to deposits | 70.5600% | 2,816 |
| Net loans and leases to core deposits | 72.9203% | 3,005 |
| Total domestic deposits to total assets | 86.2993% | 2,232 |
| Equity capital to assets | 13.4788% | 933 |
| Core capital (leverage) ratio | 13.5108% | 781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7616% | 454 |
| Memoranda: | ||
| Average total assets | $1,015,010,800 | 872 |
| Average earning assets | $962,492,000 | 848 |
| Average equity | $145,171,600 | 693 |
| Average total loans | $687,772,200 | 881 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2634% | 2,211 |
| Cost of funding earning assets | 0.3457% | 4,081 |
| Net interest margin | 3.9177% | 1,310 |
| Noninterest income to average assets | 0.7112% | 1,761 |
| Noninterest expense to average assets | 2.7221% | 2,195 |
| Loan and lease loss provision to assets | 0.3565% | 1,058 |
| Net operating income to assets | 1.0963% | 1,996 |
| Return on assets (ROA) | 1.1011% | 2,103 |
| Pretax return on assets | 1.3465% | 1,887 |
| Return on Equity (ROE) | 7.5765% | 2,977 |
| Retained earnings to average equity (ytd only) | 4.5909% | 2,750 |
| Net charge-offs to loans | -0.0012% | 3,829 |
| Credit loss provision to net charge-offs | -44,166.6667% | 4,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5965% | 3,137 |
| Assets per employee ($millions) | 4.8195% | 3,465 |
| Cash dividends to net income (ytd only)* | 39.4062% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1649% | 372 |
| Loan loss allowance to noncurrent loans | 259.0855% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.6548% | 1,769 |
| Noncurrent loans to loans | 0.8356% | 1,756 |
| Net loans and leases to total assets | 65.8050% | 2,544 |
| Net loans and leases to deposits | 76.9658% | 2,658 |
| Net loans and leases to core deposits | 80.0338% | 2,840 |
| Total domestic deposits to total assets | 85.4990% | 2,248 |
| Equity capital to assets | 14.1240% | 820 |
| Core capital (leverage) ratio | 13.6752% | 787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5620% | 480 |
| Memoranda: | ||
| Average total assets | $990,970,500 | 875 |
| Average earning assets | $937,942,250 | 857 |
| Average equity | $144,021,250 | 690 |
| Average total loans | $686,419,000 | 876 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3700% | 2,280 |
| Cost of funding earning assets | 0.3682% | 4,184 |
| Net interest margin | 4.0018% | 1,318 |
| Noninterest income to average assets | 0.7159% | 1,685 |
| Noninterest expense to average assets | 2.7773% | 2,142 |
| Loan and lease loss provision to assets | 0.2369% | 1,785 |
| Net operating income to assets | 1.2125% | 1,608 |
| Return on assets (ROA) | 1.2199% | 1,708 |
| Pretax return on assets | 1.4965% | 1,466 |
| Return on Equity (ROE) | 8.3093% | 2,630 |
| Retained earnings to average equity (ytd only) | 5.0476% | 2,453 |
| Net charge-offs to loans | -0.0356% | 4,588 |
| Credit loss provision to net charge-offs | -950.4132% | 3,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6965% | 3,169 |
| Assets per employee ($millions) | 4.7323% | 3,497 |
| Cash dividends to net income (ytd only)* | 39.2538% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9609% | 468 |
| Loan loss allowance to noncurrent loans | 272.9841% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.5734% | 2,086 |
| Noncurrent loans to loans | 0.7183% | 2,082 |
| Net loans and leases to total assets | 66.5163% | 2,556 |
| Net loans and leases to deposits | 77.8131% | 2,682 |
| Net loans and leases to core deposits | 81.2860% | 2,838 |
| Total domestic deposits to total assets | 85.4821% | 2,212 |
| Equity capital to assets | 14.0073% | 851 |
| Core capital (leverage) ratio | 14.0296% | 741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7254% | 464 |
| Memoranda: | ||
| Average total assets | $971,075,667 | 879 |
| Average earning assets | $918,637,333 | 859 |
| Average equity | $142,563,667 | 687 |
| Average total loans | $679,664,333 | 872 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5959% | 2,007 |
| Cost of funding earning assets | 0.4082% | 4,337 |
| Net interest margin | 4.1877% | 946 |
| Noninterest income to average assets | 0.8101% | 1,285 |
| Noninterest expense to average assets | 2.9628% | 1,976 |
| Loan and lease loss provision to assets | 0.1071% | 2,340 |
| Net operating income to assets | 1.3706% | 1,057 |
| Return on assets (ROA) | 1.3859% | 1,097 |
| Pretax return on assets | 1.7059% | 848 |
| Return on Equity (ROE) | 9.2035% | 2,026 |
| Retained earnings to average equity (ytd only) | 5.1494% | 2,211 |
| Net charge-offs to loans | -0.0030% | 3,723 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2839% | 3,466 |
| Assets per employee ($millions) | 4.0940% | 3,792 |
| Cash dividends to net income (ytd only)* | 44.0495% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9317% | 573 |
| Loan loss allowance to noncurrent loans | 243.9107% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.6543% | 2,038 |
| Noncurrent loans to loans | 0.7920% | 2,030 |
| Net loans and leases to total assets | 69.2370% | 2,362 |
| Net loans and leases to deposits | 81.6200% | 2,505 |
| Net loans and leases to core deposits | 85.6656% | 2,708 |
| Total domestic deposits to total assets | 84.8285% | 2,476 |
| Equity capital to assets | 14.9246% | 774 |
| Core capital (leverage) ratio | 14.9477% | 697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7558% | 581 |
| Memoranda: | ||
| Average total assets | $933,698,000 | 881 |
| Average earning assets | $879,995,500 | 865 |
| Average equity | $140,599,000 | 689 |
| Average total loans | $664,715,500 | 867 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6726% | 2,409 |
| Cost of funding earning assets | 0.3836% | 4,498 |
| Net interest margin | 4.2890% | 1,110 |
| Noninterest income to average assets | 0.8487% | 1,306 |
| Noninterest expense to average assets | 3.0641% | 1,841 |
| Loan and lease loss provision to assets | 0.0109% | 3,796 |
| Net operating income to assets | 1.4910% | 1,079 |
| Return on assets (ROA) | 1.5225% | 1,061 |
| Pretax return on assets | 1.8616% | 814 |
| Return on Equity (ROE) | 10.4014% | 2,118 |
| Retained earnings to average equity (ytd only) | 7.3169% | 1,247 |
| Net charge-offs to loans | 0.0290% | 2,819 |
| Credit loss provision to net charge-offs | 54.6448% | 3,085 |
| Earnings coverage of net charge-offs (x) | 91.5683% | 723 |
| Efficiency ratio | 62.5550% | 3,283 |
| Assets per employee ($millions) | 3.9899% | 3,909 |
| Cash dividends to net income (ytd only)* | 29.6549% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9106% | 538 |
| Loan loss allowance to noncurrent loans | 249.1232% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.6483% | 1,963 |
| Noncurrent loans to loans | 0.7669% | 1,980 |
| Net loans and leases to total assets | 70.4262% | 2,326 |
| Net loans and leases to deposits | 83.2318% | 2,417 |
| Net loans and leases to core deposits | 87.3270% | 2,669 |
| Total domestic deposits to total assets | 84.6146% | 2,637 |
| Equity capital to assets | 15.1954% | 746 |
| Core capital (leverage) ratio | 14.9897% | 693 |
| Tier 1 risk-based capital ratio | 21.9410% | 1,032 |
| Total risk-based capital ratio | 23.2002% | 1,008 |
| Memoranda: | ||
| Average total assets | $913,604,600 | 865 |
| Average earning assets | $862,601,200 | 840 |
| Average equity | $133,731,600 | 687 |
| Average total loans | $630,489,800 | 876 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6682% | 2,508 |
| Cost of funding earning assets | 0.3721% | 4,591 |
| Net interest margin | 4.2961% | 1,170 |
| Noninterest income to average assets | 0.8480% | 1,284 |
| Noninterest expense to average assets | 2.9050% | 2,252 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6313% | 860 |
| Return on assets (ROA) | 1.6621% | 847 |
| Pretax return on assets | 2.0335% | 642 |
| Return on Equity (ROE) | 11.4654% | 1,814 |
| Retained earnings to average equity (ytd only) | 8.2116% | 1,313 |
| Net charge-offs to loans | -0.0045% | 4,179 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2754% | 3,769 |
| Assets per employee ($millions) | 3.8916% | 4,040 |
| Cash dividends to net income (ytd only)* | 28.3791% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9629% | 498 |
| Loan loss allowance to noncurrent loans | 245.7964% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.6161% | 2,155 |
| Noncurrent loans to loans | 0.7986% | 1,975 |
| Net loans and leases to total assets | 70.2145% | 2,435 |
| Net loans and leases to deposits | 83.1170% | 2,554 |
| Net loans and leases to core deposits | 86.9079% | 2,829 |
| Total domestic deposits to total assets | 84.4766% | 2,640 |
| Equity capital to assets | 15.2594% | 778 |
| Core capital (leverage) ratio | 15.1154% | 720 |
| Tier 1 risk-based capital ratio | 21.6433% | 1,117 |
| Total risk-based capital ratio | 22.9028% | 1,088 |
| Memoranda: | ||
| Average total assets | $911,586,250 | 865 |
| Average earning assets | $859,985,500 | 843 |
| Average equity | $132,151,250 | 692 |
| Average total loans | $622,675,750 | 886 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6283% | 2,588 |
| Cost of funding earning assets | 0.3629% | 4,639 |
| Net interest margin | 4.2654% | 1,208 |
| Noninterest income to average assets | 0.8298% | 1,255 |
| Noninterest expense to average assets | 2.8782% | 2,336 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6205% | 864 |
| Return on assets (ROA) | 1.6205% | 905 |
| Pretax return on assets | 1.9779% | 706 |
| Return on Equity (ROE) | 11.3760% | 1,837 |
| Retained earnings to average equity (ytd only) | 7.8013% | 1,469 |
| Net charge-offs to loans | -0.0182% | 4,520 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2703% | 3,832 |
| Assets per employee ($millions) | 3.9755% | 3,899 |
| Cash dividends to net income (ytd only)* | 31.4232% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0228% | 455 |
| Loan loss allowance to noncurrent loans | 396.4640% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.4032% | 2,892 |
| Noncurrent loans to loans | 0.5102% | 2,749 |
| Net loans and leases to total assets | 67.4164% | 2,904 |
| Net loans and leases to deposits | 80.2350% | 2,924 |
| Net loans and leases to core deposits | 84.0077% | 3,107 |
| Total domestic deposits to total assets | 84.0236% | 2,848 |
| Equity capital to assets | 14.6698% | 903 |
| Core capital (leverage) ratio | 14.6021% | 800 |
| Tier 1 risk-based capital ratio | 21.4702% | 1,124 |
| Total risk-based capital ratio | 22.7301% | 1,101 |
| Memoranda: | ||
| Average total assets | $913,201,000 | 855 |
| Average earning assets | $862,002,670 | 836 |
| Average equity | $130,080,670 | 700 |
| Average total loans | $613,764,000 | 897 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5343% | 2,749 |
| Cost of funding earning assets | 0.3541% | 4,664 |
| Net interest margin | 4.1802% | 1,347 |
| Noninterest income to average assets | 0.8293% | 1,219 |
| Noninterest expense to average assets | 2.8525% | 2,407 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5730% | 951 |
| Return on assets (ROA) | 1.5730% | 978 |
| Pretax return on assets | 1.9178% | 760 |
| Return on Equity (ROE) | 11.2115% | 1,862 |
| Retained earnings to average equity (ytd only) | 6.7501% | 2,136 |
| Net charge-offs to loans | -0.0628% | 4,897 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7974% | 3,839 |
| Assets per employee ($millions) | 3.9199% | 4,043 |
| Cash dividends to net income (ytd only)* | 39.7934% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1077% | 414 |
| Loan loss allowance to noncurrent loans | 439.9794% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.3598% | 3,159 |
| Noncurrent loans to loans | 0.4790% | 2,876 |
| Net loans and leases to total assets | 64.6428% | 3,211 |
| Net loans and leases to deposits | 75.4887% | 3,304 |
| Net loans and leases to core deposits | 78.7864% | 3,464 |
| Total domestic deposits to total assets | 85.6323% | 2,429 |
| Equity capital to assets | 14.1299% | 994 |
| Core capital (leverage) ratio | 14.3075% | 867 |
| Tier 1 risk-based capital ratio | 21.6057% | 1,097 |
| Total risk-based capital ratio | 22.8663% | 1,078 |
| Memoranda: | ||
| Average total assets | $910,632,500 | 858 |
| Average earning assets | $858,522,500 | 842 |
| Average equity | $127,762,000 | 711 |
| Average total loans | $604,700,000 | 913 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4516% | 2,603 |
| Cost of funding earning assets | 0.2658% | 4,733 |
| Net interest margin | 4.1858% | 1,429 |
| Noninterest income to average assets | 0.8826% | 1,222 |
| Noninterest expense to average assets | 3.0104% | 2,020 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5031% | 1,110 |
| Return on assets (ROA) | 1.5128% | 1,069 |
| Pretax return on assets | 1.8457% | 818 |
| Return on Equity (ROE) | 11.2840% | 1,975 |
| Retained earnings to average equity (ytd only) | 8.3030% | 1,117 |
| Net charge-offs to loans | -0.0702% | 5,066 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1422% | 3,495 |
| Assets per employee ($millions) | 3.9305% | 3,995 |
| Cash dividends to net income (ytd only)* | 26.4181% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1171% | 390 |
| Loan loss allowance to noncurrent loans | 400.8189% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.4036% | 2,943 |
| Noncurrent loans to loans | 0.5282% | 2,683 |
| Net loans and leases to total assets | 65.3690% | 3,214 |
| Net loans and leases to deposits | 76.1044% | 3,343 |
| Net loans and leases to core deposits | 78.7552% | 3,520 |
| Total domestic deposits to total assets | 85.8939% | 2,288 |
| Equity capital to assets | 13.9278% | 994 |
| Core capital (leverage) ratio | 14.3012% | 843 |
| Tier 1 risk-based capital ratio | 21.2810% | 1,127 |
| Total risk-based capital ratio | 22.5415% | 1,106 |
| Memoranda: | ||
| Average total assets | $900,782,400 | 847 |
| Average earning assets | $852,571,200 | 828 |
| Average equity | $120,763,400 | 713 |
| Average total loans | $582,722,200 | 926 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4143% | 2,579 |
| Cost of funding earning assets | 0.2433% | 4,825 |
| Net interest margin | 4.1709% | 1,441 |
| Noninterest income to average assets | 0.8821% | 1,247 |
| Noninterest expense to average assets | 2.8949% | 2,317 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5873% | 986 |
| Return on assets (ROA) | 1.6002% | 964 |
| Pretax return on assets | 1.9573% | 705 |
| Return on Equity (ROE) | 12.0529% | 1,773 |
| Retained earnings to average equity (ytd only) | 9.0433% | 1,200 |
| Net charge-offs to loans | -0.1082% | 5,187 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8556% | 3,833 |
| Assets per employee ($millions) | 3.7863% | 4,194 |
| Cash dividends to net income (ytd only)* | 24.9699% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1395% | 398 |
| Loan loss allowance to noncurrent loans | 444.4213% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.3858% | 3,146 |
| Noncurrent loans to loans | 0.4814% | 2,944 |
| Net loans and leases to total assets | 66.0081% | 3,172 |
| Net loans and leases to deposits | 76.7510% | 3,348 |
| Net loans and leases to core deposits | 79.5130% | 3,535 |
| Total domestic deposits to total assets | 86.0030% | 2,190 |
| Equity capital to assets | 13.7419% | 1,042 |
| Core capital (leverage) ratio | 14.2313% | 878 |
| Tier 1 risk-based capital ratio | 21.3510% | 1,131 |
| Total risk-based capital ratio | 22.5459% | 1,123 |
| Memoranda: | ||
| Average total assets | $900,958,250 | 846 |
| Average earning assets | $854,180,250 | 823 |
| Average equity | $119,614,000 | 712 |
| Average total loans | $578,128,000 | 931 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3310% | 2,661 |
| Cost of funding earning assets | 0.2097% | 4,982 |
| Net interest margin | 4.1213% | 1,486 |
| Noninterest income to average assets | 0.8652% | 1,280 |
| Noninterest expense to average assets | 2.8463% | 2,515 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5800% | 961 |
| Return on assets (ROA) | 1.5961% | 933 |
| Pretax return on assets | 1.9564% | 673 |
| Return on Equity (ROE) | 12.1613% | 1,668 |
| Retained earnings to average equity (ytd only) | 9.1336% | 1,172 |
| Net charge-offs to loans | -0.2183% | 5,341 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5080% | 4,010 |
| Assets per employee ($millions) | 4.0680% | 3,789 |
| Cash dividends to net income (ytd only)* | 24.8963% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1863% | 380 |
| Loan loss allowance to noncurrent loans | 550.9153% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.3447% | 3,374 |
| Noncurrent loans to loans | 0.3969% | 3,267 |
| Net loans and leases to total assets | 63.8206% | 3,423 |
| Net loans and leases to deposits | 75.6711% | 3,370 |
| Net loans and leases to core deposits | 78.1406% | 3,569 |
| Total domestic deposits to total assets | 84.3395% | 2,939 |
| Equity capital to assets | 13.2630% | 1,200 |
| Core capital (leverage) ratio | 13.8893% | 934 |
| Tier 1 risk-based capital ratio | 22.4851% | 986 |
| Total risk-based capital ratio | 23.7488% | 963 |
| Memoranda: | ||
| Average total assets | $905,948,330 | 844 |
| Average earning assets | $861,225,330 | 822 |
| Average equity | $118,901,330 | 715 |
| Average total loans | $571,634,000 | 938 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2514% | 2,703 |
| Cost of funding earning assets | 0.1988% | 5,023 |
| Net interest margin | 4.0527% | 1,554 |
| Noninterest income to average assets | 0.8722% | 1,226 |
| Noninterest expense to average assets | 2.8281% | 2,612 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5362% | 992 |
| Return on assets (ROA) | 1.5680% | 933 |
| Pretax return on assets | 1.9387% | 663 |
| Return on Equity (ROE) | 12.0108% | 1,577 |
| Retained earnings to average equity (ytd only) | 8.9650% | 1,468 |
| Net charge-offs to loans | -0.4702% | 5,493 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8224% | 4,089 |
| Assets per employee ($millions) | 4.0100% | 3,964 |
| Cash dividends to net income (ytd only)* | 25.3593% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2736% | 339 |
| Loan loss allowance to noncurrent loans | 344.5831% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.4881% | 2,901 |
| Noncurrent loans to loans | 0.6598% | 2,572 |
| Net loans and leases to total assets | 63.2277% | 3,407 |
| Net loans and leases to deposits | 73.5918% | 3,459 |
| Net loans and leases to core deposits | 75.7095% | 3,694 |
| Total domestic deposits to total assets | 85.9168% | 2,578 |
| Equity capital to assets | 13.3746% | 1,081 |
| Core capital (leverage) ratio | 13.4431% | 1,024 |
| Tier 1 risk-based capital ratio | 22.7109% | 966 |
| Total risk-based capital ratio | 23.9755% | 948 |
| Memoranda: | ||
| Average total assets | $905,339,500 | 852 |
| Average earning assets | $861,260,500 | 827 |
| Average equity | $118,193,500 | 725 |
| Average total loans | $561,501,000 | 953 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0970% | 3,069 |
| Cost of funding earning assets | 0.1883% | 5,037 |
| Net interest margin | 3.9087% | 2,062 |
| Noninterest income to average assets | 0.8909% | 1,301 |
| Noninterest expense to average assets | 2.8487% | 2,611 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1112% | 1,822 |
| Return on assets (ROA) | 1.1124% | 1,843 |
| Pretax return on assets | 1.7598% | 877 |
| Return on Equity (ROE) | 8.5550% | 2,514 |
| Retained earnings to average equity (ytd only) | 5.5824% | 1,783 |
| Net charge-offs to loans | 0.0081% | 3,794 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 364.9302% | 240 |
| Efficiency ratio | 61.8376% | 3,966 |
| Assets per employee ($millions) | 4.1450% | 3,751 |
| Cash dividends to net income (ytd only)* | 34.7467% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2304% | 351 |
| Loan loss allowance to noncurrent loans | 345.8860% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.4525% | 3,056 |
| Noncurrent loans to loans | 0.6448% | 2,614 |
| Net loans and leases to total assets | 58.1503% | 3,993 |
| Net loans and leases to deposits | 67.4090% | 4,064 |
| Net loans and leases to core deposits | 69.3572% | 4,214 |
| Total domestic deposits to total assets | 86.2649% | 2,327 |
| Equity capital to assets | 12.7517% | 1,380 |
| Core capital (leverage) ratio | 13.3411% | 1,023 |
| Tier 1 risk-based capital ratio | 22.6206% | 949 |
| Total risk-based capital ratio | 23.8843% | 930 |
| Memoranda: | ||
| Average total assets | $892,590,800 | 840 |
| Average earning assets | $848,549,600 | 811 |
| Average equity | $116,060,800 | 705 |
| Average total loans | $533,835,600 | 955 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0984% | 2,987 |
| Cost of funding earning assets | 0.1853% | 5,093 |
| Net interest margin | 3.9131% | 1,992 |
| Noninterest income to average assets | 0.8946% | 1,289 |
| Noninterest expense to average assets | 2.7055% | 3,050 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3899% | 1,112 |
| Return on assets (ROA) | 1.3917% | 1,123 |
| Pretax return on assets | 1.9101% | 670 |
| Return on Equity (ROE) | 10.6489% | 1,846 |
| Retained earnings to average equity (ytd only) | 7.6608% | 1,368 |
| Net charge-offs to loans | 0.0171% | 3,166 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 185.9355% | 459 |
| Efficiency ratio | 58.6465% | 4,410 |
| Assets per employee ($millions) | 3.9737% | 4,026 |
| Cash dividends to net income (ytd only)* | 28.0603% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2937% | 345 |
| Loan loss allowance to noncurrent loans | 308.3793% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.5140% | 3,010 |
| Noncurrent loans to loans | 0.7438% | 2,500 |
| Net loans and leases to total assets | 59.6238% | 3,910 |
| Net loans and leases to deposits | 69.9977% | 3,962 |
| Net loans and leases to core deposits | 72.3269% | 4,106 |
| Total domestic deposits to total assets | 85.1797% | 2,644 |
| Equity capital to assets | 13.6818% | 1,086 |
| Core capital (leverage) ratio | 13.4811% | 1,028 |
| Tier 1 risk-based capital ratio | 23.1454% | 935 |
| Total risk-based capital ratio | 24.4096% | 914 |
| Memoranda: | ||
| Average total assets | $883,618,000 | 853 |
| Average earning assets | $839,683,500 | 824 |
| Average equity | $115,476,750 | 711 |
| Average total loans | $529,236,500 | 971 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0419% | 3,036 |
| Cost of funding earning assets | 0.1784% | 5,152 |
| Net interest margin | 3.8635% | 2,049 |
| Noninterest income to average assets | 0.8714% | 1,360 |
| Noninterest expense to average assets | 2.6977% | 3,095 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3540% | 1,166 |
| Return on assets (ROA) | 1.3544% | 1,191 |
| Pretax return on assets | 1.8475% | 750 |
| Return on Equity (ROE) | 10.5269% | 1,821 |
| Retained earnings to average equity (ytd only) | 7.5001% | 1,353 |
| Net charge-offs to loans | 0.0171% | 2,908 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 181.7111% | 440 |
| Efficiency ratio | 59.3588% | 4,415 |
| Assets per employee ($millions) | 3.9444% | 4,054 |
| Cash dividends to net income (ytd only)* | 28.7525% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3592% | 349 |
| Loan loss allowance to noncurrent loans | 295.6783% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.5380% | 2,975 |
| Noncurrent loans to loans | 0.7979% | 2,410 |
| Net loans and leases to total assets | 58.2071% | 4,005 |
| Net loans and leases to deposits | 68.2985% | 4,038 |
| Net loans and leases to core deposits | 70.4355% | 4,199 |
| Total domestic deposits to total assets | 85.2245% | 2,722 |
| Equity capital to assets | 13.4860% | 1,151 |
| Core capital (leverage) ratio | 13.0588% | 1,157 |
| Tier 1 risk-based capital ratio | 23.2622% | 916 |
| Total risk-based capital ratio | 24.5272% | 903 |
| Memoranda: | ||
| Average total assets | $885,426,330 | 858 |
| Average earning assets | $841,836,330 | 829 |
| Average equity | $113,918,000 | 723 |
| Average total loans | $527,014,000 | 973 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9711% | 3,143 |
| Cost of funding earning assets | 0.1711% | 5,229 |
| Net interest margin | 3.8000% | 2,114 |
| Noninterest income to average assets | 0.8815% | 1,303 |
| Noninterest expense to average assets | 2.6207% | 3,413 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3820% | 1,034 |
| Return on assets (ROA) | 1.3820% | 1,068 |
| Pretax return on assets | 1.8735% | 684 |
| Return on Equity (ROE) | 11.0023% | 1,569 |
| Retained earnings to average equity (ytd only) | 7.9155% | 1,498 |
| Net charge-offs to loans | -0.0128% | 4,523 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3125% | 4,681 |
| Assets per employee ($millions) | 4.0923% | 3,856 |
| Cash dividends to net income (ytd only)* | 28.0559% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3521% | 381 |
| Loan loss allowance to noncurrent loans | 329.3507% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.4849% | 3,281 |
| Noncurrent loans to loans | 0.7142% | 2,705 |
| Net loans and leases to total assets | 57.8634% | 3,987 |
| Net loans and leases to deposits | 67.2948% | 4,061 |
| Net loans and leases to core deposits | 69.3288% | 4,196 |
| Total domestic deposits to total assets | 85.9850% | 2,672 |
| Equity capital to assets | 12.8019% | 1,350 |
| Core capital (leverage) ratio | 12.9596% | 1,160 |
| Tier 1 risk-based capital ratio | 22.4016% | 1,043 |
| Total risk-based capital ratio | 23.6662% | 1,027 |
| Memoranda: | ||
| Average total assets | $890,313,000 | 853 |
| Average earning assets | $846,425,500 | 827 |
| Average equity | $111,831,500 | 737 |
| Average total loans | $529,517,500 | 973 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0085% | 3,167 |
| Cost of funding earning assets | 0.1817% | 5,197 |
| Net interest margin | 3.8269% | 2,223 |
| Noninterest income to average assets | 0.8933% | 1,435 |
| Noninterest expense to average assets | 2.7609% | 3,157 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2928% | 1,228 |
| Return on assets (ROA) | 1.3019% | 1,281 |
| Pretax return on assets | 1.7823% | 832 |
| Return on Equity (ROE) | 10.1614% | 1,893 |
| Retained earnings to average equity (ytd only) | 7.0539% | 1,210 |
| Net charge-offs to loans | 0.2461% | 1,124 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 12.1681% | 2,479 |
| Efficiency ratio | 60.9379% | 4,430 |
| Assets per employee ($millions) | 4.1324% | 3,733 |
| Cash dividends to net income (ytd only)* | 30.5811% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3197% | 386 |
| Loan loss allowance to noncurrent loans | 394.0070% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.4128% | 3,622 |
| Noncurrent loans to loans | 0.5888% | 3,083 |
| Net loans and leases to total assets | 58.3078% | 4,037 |
| Net loans and leases to deposits | 67.5279% | 4,124 |
| Net loans and leases to core deposits | 69.6557% | 4,269 |
| Total domestic deposits to total assets | 86.3462% | 2,436 |
| Equity capital to assets | 12.3211% | 1,622 |
| Core capital (leverage) ratio | 13.0807% | 1,107 |
| Tier 1 risk-based capital ratio | 21.8702% | 1,101 |
| Total risk-based capital ratio | 23.1346% | 1,073 |
| Memoranda: | ||
| Average total assets | $867,008,600 | 837 |
| Average earning assets | $824,068,800 | 812 |
| Average equity | $111,087,000 | 721 |
| Average total loans | $512,382,000 | 957 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0325% | 3,098 |
| Cost of funding earning assets | 0.1843% | 5,228 |
| Net interest margin | 3.8482% | 2,162 |
| Noninterest income to average assets | 0.8902% | 1,442 |
| Noninterest expense to average assets | 2.6641% | 3,450 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3702% | 1,125 |
| Return on assets (ROA) | 1.3799% | 1,166 |
| Pretax return on assets | 1.8980% | 711 |
| Return on Equity (ROE) | 10.6639% | 1,798 |
| Retained earnings to average equity (ytd only) | 7.5642% | 1,371 |
| Net charge-offs to loans | 0.3236% | 715 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 9.8822% | 2,642 |
| Efficiency ratio | 58.5675% | 4,739 |
| Assets per employee ($millions) | 3.9260% | 4,086 |
| Cash dividends to net income (ytd only)* | 29.0670% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3847% | 389 |
| Loan loss allowance to noncurrent loans | 271.1753% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.6733% | 2,891 |
| Noncurrent loans to loans | 0.8794% | 2,501 |
| Net loans and leases to total assets | 60.3669% | 3,832 |
| Net loans and leases to deposits | 70.8828% | 3,900 |
| Net loans and leases to core deposits | 73.4084% | 4,047 |
| Total domestic deposits to total assets | 85.1643% | 2,730 |
| Equity capital to assets | 13.7649% | 1,135 |
| Core capital (leverage) ratio | 12.9322% | 1,214 |
| Tier 1 risk-based capital ratio | 22.3407% | 1,086 |
| Total risk-based capital ratio | 23.6059% | 1,065 |
| Memoranda: | ||
| Average total assets | $860,609,750 | 842 |
| Average earning assets | $818,194,750 | 813 |
| Average equity | $111,364,000 | 722 |
| Average total loans | $507,273,000 | 965 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9899% | 3,275 |
| Cost of funding earning assets | 0.1828% | 5,295 |
| Net interest margin | 3.8071% | 2,295 |
| Noninterest income to average assets | 0.8632% | 1,497 |
| Noninterest expense to average assets | 2.6105% | 3,686 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3596% | 1,139 |
| Return on assets (ROA) | 1.3613% | 1,208 |
| Pretax return on assets | 1.8752% | 734 |
| Return on Equity (ROE) | 10.7408% | 1,745 |
| Retained earnings to average equity (ytd only) | 7.6008% | 1,340 |
| Net charge-offs to loans | 0.0747% | 2,115 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 43.2074% | 1,101 |
| Efficiency ratio | 58.2258% | 4,872 |
| Assets per employee ($millions) | 3.9933% | 3,913 |
| Cash dividends to net income (ytd only)* | 29.2344% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6178% | 313 |
| Loan loss allowance to noncurrent loans | 228.2195% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.8402% | 2,495 |
| Noncurrent loans to loans | 1.1470% | 2,003 |
| Net loans and leases to total assets | 58.2041% | 4,095 |
| Net loans and leases to deposits | 67.6009% | 4,218 |
| Net loans and leases to core deposits | 70.0790% | 4,317 |
| Total domestic deposits to total assets | 86.0996% | 2,368 |
| Equity capital to assets | 13.2125% | 1,381 |
| Core capital (leverage) ratio | 12.5673% | 1,319 |
| Tier 1 risk-based capital ratio | 21.6346% | 1,179 |
| Total risk-based capital ratio | 22.9020% | 1,163 |
| Memoranda: | ||
| Average total assets | $867,427,000 | 842 |
| Average earning assets | $824,827,670 | 801 |
| Average equity | $109,936,330 | 733 |
| Average total loans | $503,175,000 | 974 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9323% | 3,461 |
| Cost of funding earning assets | 0.1837% | 5,342 |
| Net interest margin | 3.7485% | 2,486 |
| Noninterest income to average assets | 0.8474% | 1,454 |
| Noninterest expense to average assets | 2.5922% | 3,771 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3199% | 1,208 |
| Return on assets (ROA) | 1.3222% | 1,285 |
| Pretax return on assets | 1.8246% | 814 |
| Return on Equity (ROE) | 10.6557% | 1,727 |
| Retained earnings to average equity (ytd only) | 7.4649% | 1,683 |
| Net charge-offs to loans | 0.0578% | 1,937 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 55.1389% | 822 |
| Efficiency ratio | 58.7318% | 4,912 |
| Assets per employee ($millions) | 4.0726% | 3,825 |
| Cash dividends to net income (ytd only)* | 29.9445% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6983% | 314 |
| Loan loss allowance to noncurrent loans | 212.1672% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.8670% | 2,527 |
| Noncurrent loans to loans | 1.2718% | 1,901 |
| Net loans and leases to total assets | 56.5880% | 4,187 |
| Net loans and leases to deposits | 65.3185% | 4,314 |
| Net loans and leases to core deposits | 67.9569% | 4,405 |
| Total domestic deposits to total assets | 86.6339% | 2,391 |
| Equity capital to assets | 12.7219% | 1,547 |
| Core capital (leverage) ratio | 12.3313% | 1,416 |
| Tier 1 risk-based capital ratio | 21.8544% | 1,184 |
| Total risk-based capital ratio | 23.1230% | 1,162 |
| Memoranda: | ||
| Average total assets | $871,863,000 | 836 |
| Average earning assets | $829,443,500 | 801 |
| Average equity | $108,186,000 | 749 |
| Average total loans | $498,189,000 | 978 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1323% | 2,800 |
| Cost of funding earning assets | 0.2003% | 5,287 |
| Net interest margin | 3.9320% | 1,925 |
| Noninterest income to average assets | 0.9497% | 1,322 |
| Noninterest expense to average assets | 2.8754% | 2,945 |
| Loan and lease loss provision to assets | 0.0330% | 3,705 |
| Net operating income to assets | 1.2913% | 1,290 |
| Return on assets (ROA) | 1.3310% | 1,243 |
| Pretax return on assets | 1.8224% | 771 |
| Return on Equity (ROE) | 10.8301% | 1,671 |
| Retained earnings to average equity (ytd only) | 7.7880% | 985 |
| Net charge-offs to loans | -0.3573% | 6,040 |
| Credit loss provision to net charge-offs | -16.1290% | 4,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4853% | 4,690 |
| Assets per employee ($millions) | 4.1722% | 3,622 |
| Cash dividends to net income (ytd only)* | 28.0892% | 3,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7559% | 299 |
| Loan loss allowance to noncurrent loans | 796.5497% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.3192% | 4,316 |
| Noncurrent loans to loans | 0.3460% | 4,227 |
| Net loans and leases to total assets | 54.5965% | 4,437 |
| Net loans and leases to deposits | 62.8734% | 4,557 |
| Net loans and leases to core deposits | 65.0708% | 4,665 |
| Total domestic deposits to total assets | 86.8357% | 2,223 |
| Equity capital to assets | 12.1013% | 1,881 |
| Core capital (leverage) ratio | 12.5068% | 1,349 |
| Tier 1 risk-based capital ratio | 22.0215% | 1,141 |
| Total risk-based capital ratio | 23.2912% | 1,117 |
| Memoranda: | ||
| Average total assets | $832,408,400 | 834 |
| Average earning assets | $788,981,800 | 798 |
| Average equity | $102,297,800 | 754 |
| Average total loans | $477,170,000 | 977 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0932% | 2,971 |
| Cost of funding earning assets | 0.2039% | 5,345 |
| Net interest margin | 3.8893% | 2,069 |
| Noninterest income to average assets | 0.9704% | 1,257 |
| Noninterest expense to average assets | 2.7860% | 3,241 |
| Loan and lease loss provision to assets | 0.0366% | 3,487 |
| Net operating income to assets | 1.3372% | 1,252 |
| Return on assets (ROA) | 1.3869% | 1,191 |
| Pretax return on assets | 1.8991% | 723 |
| Return on Equity (ROE) | 11.2391% | 1,613 |
| Retained earnings to average equity (ytd only) | 8.2759% | 1,131 |
| Net charge-offs to loans | 0.0375% | 3,147 |
| Credit loss provision to net charge-offs | 169.1729% | 1,539 |
| Earnings coverage of net charge-offs (x) | 86.4055% | 707 |
| Efficiency ratio | 59.8673% | 4,909 |
| Assets per employee ($millions) | 3.9322% | 4,014 |
| Cash dividends to net income (ytd only)* | 26.3652% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4355% | 481 |
| Loan loss allowance to noncurrent loans | 655.1089% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.3510% | 4,368 |
| Noncurrent loans to loans | 0.3718% | 4,282 |
| Net loans and leases to total assets | 56.3817% | 4,308 |
| Net loans and leases to deposits | 66.0979% | 4,378 |
| Net loans and leases to core deposits | 68.8074% | 4,471 |
| Total domestic deposits to total assets | 85.3003% | 2,884 |
| Equity capital to assets | 12.5363% | 1,729 |
| Core capital (leverage) ratio | 12.2680% | 1,530 |
| Tier 1 risk-based capital ratio | 22.0162% | 1,195 |
| Total risk-based capital ratio | 23.2817% | 1,171 |
| Memoranda: | ||
| Average total assets | $820,428,750 | 860 |
| Average earning assets | $776,940,750 | 824 |
| Average equity | $101,239,500 | 767 |
| Average total loans | $472,900,250 | 981 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0682% | 3,015 |
| Cost of funding earning assets | 0.2051% | 5,395 |
| Net interest margin | 3.8631% | 2,093 |
| Noninterest income to average assets | 0.9571% | 1,287 |
| Noninterest expense to average assets | 2.7565% | 3,390 |
| Loan and lease loss provision to assets | 0.0368% | 3,385 |
| Net operating income to assets | 1.3278% | 1,246 |
| Return on assets (ROA) | 1.4029% | 1,121 |
| Pretax return on assets | 1.9267% | 698 |
| Return on Equity (ROE) | 11.4308% | 1,548 |
| Retained earnings to average equity (ytd only) | 8.4353% | 1,104 |
| Net charge-offs to loans | 0.0298% | 3,068 |
| Credit loss provision to net charge-offs | 214.2857% | 1,160 |
| Earnings coverage of net charge-offs (x) | 108.4429% | 571 |
| Efficiency ratio | 59.7038% | 5,020 |
| Assets per employee ($millions) | 3.8916% | 4,091 |
| Cash dividends to net income (ytd only)* | 26.2055% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4911% | 489 |
| Loan loss allowance to noncurrent loans | 1,377.3208% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.2455% | 4,890 |
| Noncurrent loans to loans | 0.1809% | 5,052 |
| Net loans and leases to total assets | 55.8748% | 4,351 |
| Net loans and leases to deposits | 64.0978% | 4,522 |
| Net loans and leases to core deposits | 66.4542% | 4,612 |
| Total domestic deposits to total assets | 87.1712% | 2,071 |
| Equity capital to assets | 12.2075% | 1,871 |
| Core capital (leverage) ratio | 12.1373% | 1,572 |
| Tier 1 risk-based capital ratio | 21.9270% | 1,221 |
| Total risk-based capital ratio | 23.1928% | 1,198 |
| Memoranda: | ||
| Average total assets | $816,027,000 | 869 |
| Average earning assets | $773,109,000 | 828 |
| Average equity | $100,150,330 | 775 |
| Average total loans | $469,950,330 | 988 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0191% | 3,165 |
| Cost of funding earning assets | 0.2063% | 5,455 |
| Net interest margin | 3.8128% | 2,190 |
| Noninterest income to average assets | 0.9274% | 1,311 |
| Noninterest expense to average assets | 2.7467% | 3,426 |
| Loan and lease loss provision to assets | 0.0369% | 3,161 |
| Net operating income to assets | 1.2888% | 1,313 |
| Return on assets (ROA) | 1.2888% | 1,397 |
| Pretax return on assets | 1.7603% | 939 |
| Return on Equity (ROE) | 10.4728% | 1,803 |
| Retained earnings to average equity (ytd only) | 7.4760% | 1,776 |
| Net charge-offs to loans | 0.0843% | 1,869 |
| Credit loss provision to net charge-offs | 75.7576% | 1,870 |
| Earnings coverage of net charge-offs (x) | 36.9192% | 1,027 |
| Efficiency ratio | 60.4480% | 5,035 |
| Assets per employee ($millions) | 3.9133% | 4,136 |
| Cash dividends to net income (ytd only)* | 28.6150% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4770% | 548 |
| Loan loss allowance to noncurrent loans | 1,461.2579% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.2546% | 4,925 |
| Noncurrent loans to loans | 0.1695% | 5,163 |
| Net loans and leases to total assets | 55.1313% | 4,304 |
| Net loans and leases to deposits | 63.3621% | 4,446 |
| Net loans and leases to core deposits | 65.6644% | 4,550 |
| Total domestic deposits to total assets | 87.0099% | 2,362 |
| Equity capital to assets | 12.2306% | 1,867 |
| Core capital (leverage) ratio | 12.0127% | 1,630 |
| Tier 1 risk-based capital ratio | 21.5153% | 1,320 |
| Total risk-based capital ratio | 22.7810% | 1,288 |
| Memoranda: | ||
| Average total assets | $813,480,000 | 868 |
| Average earning assets | $771,617,000 | 837 |
| Average equity | $100,106,500 | 776 |
| Average total loans | $469,665,000 | 987 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2819% | 2,675 |
| Cost of funding earning assets | 0.2336% | 5,483 |
| Net interest margin | 4.0484% | 1,744 |
| Noninterest income to average assets | 1.0425% | 1,128 |
| Noninterest expense to average assets | 3.0484% | 2,695 |
| Loan and lease loss provision to assets | 0.0686% | 3,115 |
| Net operating income to assets | 1.2318% | 1,489 |
| Return on assets (ROA) | 1.2490% | 1,502 |
| Pretax return on assets | 1.7612% | 865 |
| Return on Equity (ROE) | 10.2454% | 2,011 |
| Retained earnings to average equity (ytd only) | 7.1123% | 1,349 |
| Net charge-offs to loans | 0.0797% | 3,351 |
| Credit loss provision to net charge-offs | 143.0518% | 1,662 |
| Earnings coverage of net charge-offs (x) | 37.6785% | 1,141 |
| Efficiency ratio | 62.8020% | 4,785 |
| Assets per employee ($millions) | 3.7610% | 4,424 |
| Cash dividends to net income (ytd only)* | 30.5802% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4751% | 568 |
| Loan loss allowance to noncurrent loans | 1,303.5834% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.2610% | 4,981 |
| Noncurrent loans to loans | 0.1899% | 5,148 |
| Net loans and leases to total assets | 57.5277% | 4,112 |
| Net loans and leases to deposits | 66.2513% | 4,293 |
| Net loans and leases to core deposits | 68.8415% | 4,420 |
| Total domestic deposits to total assets | 86.8327% | 2,371 |
| Equity capital to assets | 12.3843% | 1,713 |
| Core capital (leverage) ratio | 12.3302% | 1,435 |
| Tier 1 risk-based capital ratio | 20.5475% | 1,501 |
| Total risk-based capital ratio | 21.8125% | 1,470 |
| Memoranda: | ||
| Average total assets | $765,841,600 | 886 |
| Average earning assets | $721,028,600 | 848 |
| Average equity | $93,359,400 | 792 |
| Average total loans | $460,653,200 | 962 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3270% | 2,515 |
| Cost of funding earning assets | 0.2393% | 5,522 |
| Net interest margin | 4.0876% | 1,616 |
| Noninterest income to average assets | 1.0496% | 1,116 |
| Noninterest expense to average assets | 2.9608% | 2,931 |
| Loan and lease loss provision to assets | 0.0792% | 2,761 |
| Net operating income to assets | 1.3023% | 1,362 |
| Return on assets (ROA) | 1.3249% | 1,362 |
| Pretax return on assets | 1.8843% | 743 |
| Return on Equity (ROE) | 10.9141% | 1,819 |
| Retained earnings to average equity (ytd only) | 7.7625% | 1,463 |
| Net charge-offs to loans | 0.0538% | 3,443 |
| Credit loss provision to net charge-offs | 243.2432% | 1,077 |
| Earnings coverage of net charge-offs (x) | 59.3407% | 868 |
| Efficiency ratio | 60.5250% | 5,115 |
| Assets per employee ($millions) | 3.6273% | 4,618 |
| Cash dividends to net income (ytd only)* | 28.8768% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5023% | 649 |
| Loan loss allowance to noncurrent loans | 1,195.1170% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.2791% | 5,151 |
| Noncurrent loans to loans | 0.2094% | 5,276 |
| Net loans and leases to total assets | 59.2458% | 3,897 |
| Net loans and leases to deposits | 68.6290% | 4,064 |
| Net loans and leases to core deposits | 71.8781% | 4,162 |
| Total domestic deposits to total assets | 86.3277% | 2,683 |
| Equity capital to assets | 12.4563% | 1,729 |
| Core capital (leverage) ratio | 12.6405% | 1,334 |
| Tier 1 risk-based capital ratio | 20.2631% | 1,598 |
| Total risk-based capital ratio | 21.5284% | 1,563 |
| Memoranda: | ||
| Average total assets | $757,967,750 | 903 |
| Average earning assets | $712,477,750 | 864 |
| Average equity | $92,013,000 | 807 |
| Average total loans | $458,233,750 | 967 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3134% | 2,540 |
| Cost of funding earning assets | 0.2442% | 5,544 |
| Net interest margin | 4.0691% | 1,609 |
| Noninterest income to average assets | 1.0410% | 1,095 |
| Noninterest expense to average assets | 2.9874% | 2,876 |
| Loan and lease loss provision to assets | 0.0996% | 2,362 |
| Net operating income to assets | 1.2496% | 1,448 |
| Return on assets (ROA) | 1.2647% | 1,468 |
| Pretax return on assets | 1.7982% | 848 |
| Return on Equity (ROE) | 10.5116% | 1,933 |
| Retained earnings to average equity (ytd only) | 7.3661% | 1,578 |
| Net charge-offs to loans | 0.0084% | 4,111 |
| Credit loss provision to net charge-offs | 1,973.6842% | 191 |
| Earnings coverage of net charge-offs (x) | 371.8421% | 188 |
| Efficiency ratio | 61.4230% | 5,088 |
| Assets per employee ($millions) | 3.5270% | 4,797 |
| Cash dividends to net income (ytd only)* | 29.9244% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5784% | 638 |
| Loan loss allowance to noncurrent loans | 1,267.5589% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.2948% | 5,185 |
| Noncurrent loans to loans | 0.2034% | 5,408 |
| Net loans and leases to total assets | 59.8255% | 3,748 |
| Net loans and leases to deposits | 69.5778% | 3,876 |
| Net loans and leases to core deposits | 72.9830% | 3,948 |
| Total domestic deposits to total assets | 85.9836% | 3,044 |
| Equity capital to assets | 12.5404% | 1,618 |
| Core capital (leverage) ratio | 12.3726% | 1,462 |
| Tier 1 risk-based capital ratio | 20.1361% | 1,651 |
| Total risk-based capital ratio | 21.4021% | 1,618 |
| Memoranda: | ||
| Average total assets | $753,087,670 | 907 |
| Average earning assets | $707,474,000 | 868 |
| Average equity | $90,604,670 | 810 |
| Average total loans | $454,483,000 | 971 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3077% | 2,492 |
| Cost of funding earning assets | 0.2465% | 5,618 |
| Net interest margin | 4.0613% | 1,568 |
| Noninterest income to average assets | 1.0305% | 1,062 |
| Noninterest expense to average assets | 3.0422% | 2,723 |
| Loan and lease loss provision to assets | 0.1191% | 2,000 |
| Net operating income to assets | 1.1820% | 1,535 |
| Return on assets (ROA) | 1.2120% | 1,512 |
| Pretax return on assets | 1.7233% | 926 |
| Return on Equity (ROE) | 10.2894% | 1,935 |
| Retained earnings to average equity (ytd only) | 7.2565% | 1,921 |
| Net charge-offs to loans | 0.0142% | 3,313 |
| Credit loss provision to net charge-offs | 1,406.2500% | 238 |
| Earnings coverage of net charge-offs (x) | 212.5000% | 229 |
| Efficiency ratio | 62.8334% | 5,019 |
| Assets per employee ($millions) | 3.6168% | 4,683 |
| Cash dividends to net income (ytd only)* | 29.4760% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5841% | 726 |
| Loan loss allowance to noncurrent loans | 602.9912% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.3066% | 5,237 |
| Noncurrent loans to loans | 0.4285% | 4,856 |
| Net loans and leases to total assets | 58.0332% | 3,834 |
| Net loans and leases to deposits | 66.5386% | 4,018 |
| Net loans and leases to core deposits | 69.7576% | 4,122 |
| Total domestic deposits to total assets | 87.2174% | 2,687 |
| Equity capital to assets | 11.9057% | 1,934 |
| Core capital (leverage) ratio | 12.2690% | 1,496 |
| Tier 1 risk-based capital ratio | 20.1567% | 1,681 |
| Total risk-based capital ratio | 21.4229% | 1,648 |
| Memoranda: | ||
| Average total assets | $755,772,500 | 904 |
| Average earning assets | $709,238,000 | 873 |
| Average equity | $89,023,500 | 823 |
| Average total loans | $452,142,000 | 972 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3827% | 2,648 |
| Cost of funding earning assets | 0.3945% | 4,708 |
| Net interest margin | 3.9882% | 1,982 |
| Noninterest income to average assets | 1.1556% | 1,058 |
| Noninterest expense to average assets | 3.0617% | 2,857 |
| Loan and lease loss provision to assets | 0.1849% | 1,991 |
| Net operating income to assets | 1.1370% | 1,805 |
| Return on assets (ROA) | 1.1549% | 1,802 |
| Pretax return on assets | 1.6522% | 1,048 |
| Return on Equity (ROE) | 9.6362% | 2,266 |
| Retained earnings to average equity (ytd only) | 6.6367% | 1,602 |
| Net charge-offs to loans | 0.1183% | 3,625 |
| Credit loss provision to net charge-offs | 258.1262% | 876 |
| Earnings coverage of net charge-offs (x) | 25.2906% | 1,335 |
| Efficiency ratio | 62.8278% | 5,086 |
| Assets per employee ($millions) | 3.6155% | 4,641 |
| Cash dividends to net income (ytd only)* | 31.1277% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5415% | 785 |
| Loan loss allowance to noncurrent loans | 886.7181% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.6718% | 4,230 |
| Noncurrent loans to loans | 0.2866% | 5,330 |
| Net loans and leases to total assets | 58.5533% | 3,944 |
| Net loans and leases to deposits | 66.8624% | 4,194 |
| Net loans and leases to core deposits | 69.9761% | 4,289 |
| Total domestic deposits to total assets | 87.5728% | 2,435 |
| Equity capital to assets | 11.6513% | 2,062 |
| Core capital (leverage) ratio | 12.4297% | 1,391 |
| Tier 1 risk-based capital ratio | 19.7298% | 1,725 |
| Total risk-based capital ratio | 20.9952% | 1,686 |
| Memoranda: | ||
| Average total assets | $730,177,800 | 909 |
| Average earning assets | $680,632,200 | 892 |
| Average equity | $87,513,400 | 804 |
| Average total loans | $442,052,600 | 964 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3878% | 2,636 |
| Cost of funding earning assets | 0.4302% | 4,504 |
| Net interest margin | 3.9576% | 2,084 |
| Noninterest income to average assets | 1.1357% | 1,136 |
| Noninterest expense to average assets | 2.9876% | 3,034 |
| Loan and lease loss provision to assets | 0.1932% | 1,886 |
| Net operating income to assets | 1.1442% | 1,838 |
| Return on assets (ROA) | 1.1682% | 1,820 |
| Pretax return on assets | 1.6755% | 1,154 |
| Return on Equity (ROE) | 9.6774% | 2,314 |
| Retained earnings to average equity (ytd only) | 6.7056% | 2,032 |
| Net charge-offs to loans | 0.1432% | 3,106 |
| Credit loss provision to net charge-offs | 222.4576% | 1,097 |
| Earnings coverage of net charge-offs (x) | 21.1228% | 1,560 |
| Efficiency ratio | 61.9596% | 5,145 |
| Assets per employee ($millions) | 3.4701% | 4,902 |
| Cash dividends to net income (ytd only)* | 30.7087% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5436% | 893 |
| Loan loss allowance to noncurrent loans | 993.2803% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.7062% | 4,342 |
| Noncurrent loans to loans | 0.2561% | 5,587 |
| Net loans and leases to total assets | 59.9227% | 3,706 |
| Net loans and leases to deposits | 69.0065% | 3,930 |
| Net loans and leases to core deposits | 72.6461% | 4,014 |
| Total domestic deposits to total assets | 86.8363% | 2,787 |
| Equity capital to assets | 12.1205% | 1,847 |
| Core capital (leverage) ratio | 12.3765% | 1,483 |
| Tier 1 risk-based capital ratio | 19.6455% | 1,828 |
| Total risk-based capital ratio | 20.9107% | 1,785 |
| Memoranda: | ||
| Average total assets | $724,717,000 | 922 |
| Average earning assets | $675,006,500 | 900 |
| Average equity | $87,486,750 | 810 |
| Average total loans | $439,611,750 | 973 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3547% | 2,743 |
| Cost of funding earning assets | 0.4378% | 4,570 |
| Net interest margin | 3.9169% | 2,157 |
| Noninterest income to average assets | 1.1430% | 1,169 |
| Noninterest expense to average assets | 2.9745% | 3,079 |
| Loan and lease loss provision to assets | 0.2064% | 1,833 |
| Net operating income to assets | 1.1213% | 1,859 |
| Return on assets (ROA) | 1.1573% | 1,827 |
| Pretax return on assets | 1.6644% | 1,198 |
| Return on Equity (ROE) | 9.5996% | 2,369 |
| Retained earnings to average equity (ytd only) | 6.6896% | 2,044 |
| Net charge-offs to loans | 0.0556% | 3,903 |
| Credit loss provision to net charge-offs | 614.7541% | 474 |
| Earnings coverage of net charge-offs (x) | 54.1967% | 755 |
| Efficiency ratio | 62.0480% | 5,164 |
| Assets per employee ($millions) | 3.4769% | 4,901 |
| Cash dividends to net income (ytd only)* | 30.3138% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5496% | 935 |
| Loan loss allowance to noncurrent loans | 518.0900% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.8346% | 4,152 |
| Noncurrent loans to loans | 0.4921% | 5,030 |
| Net loans and leases to total assets | 59.6373% | 3,725 |
| Net loans and leases to deposits | 68.3778% | 3,956 |
| Net loans and leases to core deposits | 71.9384% | 4,050 |
| Total domestic deposits to total assets | 87.2174% | 2,702 |
| Equity capital to assets | 11.8744% | 1,990 |
| Core capital (leverage) ratio | 11.9385% | 1,646 |
| Tier 1 risk-based capital ratio | 19.2543% | 1,922 |
| Total risk-based capital ratio | 20.5194% | 1,888 |
| Memoranda: | ||
| Average total assets | $726,854,000 | 919 |
| Average earning assets | $677,479,330 | 894 |
| Average equity | $87,628,330 | 811 |
| Average total loans | $438,928,330 | 973 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2571% | 3,071 |
| Cost of funding earning assets | 0.4425% | 4,677 |
| Net interest margin | 3.8146% | 2,393 |
| Noninterest income to average assets | 1.1242% | 1,185 |
| Noninterest expense to average assets | 2.9599% | 3,120 |
| Loan and lease loss provision to assets | 0.2470% | 1,461 |
| Net operating income to assets | 1.0271% | 2,117 |
| Return on assets (ROA) | 1.0271% | 2,228 |
| Pretax return on assets | 1.4711% | 1,644 |
| Return on Equity (ROE) | 8.4560% | 2,742 |
| Retained earnings to average equity (ytd only) | 5.7443% | 2,815 |
| Net charge-offs to loans | 0.0165% | 3,827 |
| Credit loss provision to net charge-offs | 2,500.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 173.8889% | 232 |
| Efficiency ratio | 63.2715% | 5,122 |
| Assets per employee ($millions) | 3.4938% | 4,992 |
| Cash dividends to net income (ytd only)* | 32.0684% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5520% | 1,059 |
| Loan loss allowance to noncurrent loans | 513.8091% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.8737% | 4,193 |
| Noncurrent loans to loans | 0.4967% | 5,186 |
| Net loans and leases to total assets | 57.9826% | 3,780 |
| Net loans and leases to deposits | 66.8897% | 3,929 |
| Net loans and leases to core deposits | 70.2132% | 4,050 |
| Total domestic deposits to total assets | 86.6838% | 3,136 |
| Equity capital to assets | 12.1685% | 1,928 |
| Core capital (leverage) ratio | 11.6729% | 1,769 |
| Tier 1 risk-based capital ratio | 19.4740% | 1,914 |
| Total risk-based capital ratio | 20.7395% | 1,883 |
| Memoranda: | ||
| Average total assets | $728,684,500 | 924 |
| Average earning assets | $678,866,500 | 898 |
| Average equity | $88,505,000 | 810 |
| Average total loans | $437,104,000 | 980 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5256% | 3,296 |
| Cost of funding earning assets | 0.5269% | 5,011 |
| Net interest margin | 3.9987% | 2,393 |
| Noninterest income to average assets | 1.0595% | 1,382 |
| Noninterest expense to average assets | 3.0416% | 3,129 |
| Loan and lease loss provision to assets | 0.3462% | 1,937 |
| Net operating income to assets | 0.9630% | 2,487 |
| Return on assets (ROA) | 1.0167% | 2,488 |
| Pretax return on assets | 1.4607% | 1,813 |
| Return on Equity (ROE) | 8.4388% | 2,900 |
| Retained earnings to average equity (ytd only) | 5.6522% | 2,283 |
| Net charge-offs to loans | 0.9363% | 1,189 |
| Credit loss provision to net charge-offs | 59.5811% | 4,458 |
| Earnings coverage of net charge-offs (x) | 2.9776% | 3,935 |
| Efficiency ratio | 63.7400% | 4,936 |
| Assets per employee ($millions) | 3.5128% | 4,983 |
| Cash dividends to net income (ytd only)* | 33.0215% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4233% | 1,203 |
| Loan loss allowance to noncurrent loans | 462.2993% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.9438% | 4,141 |
| Noncurrent loans to loans | 0.5242% | 5,222 |
| Net loans and leases to total assets | 59.0063% | 3,796 |
| Net loans and leases to deposits | 68.0647% | 3,970 |
| Net loans and leases to core deposits | 71.4771% | 4,108 |
| Total domestic deposits to total assets | 86.6915% | 2,998 |
| Equity capital to assets | 12.1231% | 1,962 |
| Core capital (leverage) ratio | 11.5644% | 1,833 |
| Tier 1 risk-based capital ratio | 18.9734% | 1,964 |
| Total risk-based capital ratio | 20.2374% | 1,931 |
| Memoranda: | ||
| Average total assets | $714,863,000 | 922 |
| Average earning assets | $663,664,000 | 907 |
| Average equity | $86,126,200 | 808 |
| Average total loans | $443,666,800 | 939 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5640% | 3,366 |
| Cost of funding earning assets | 0.5377% | 5,184 |
| Net interest margin | 4.0263% | 2,393 |
| Noninterest income to average assets | 1.0540% | 1,361 |
| Noninterest expense to average assets | 2.9825% | 3,296 |
| Loan and lease loss provision to assets | 0.3653% | 1,781 |
| Net operating income to assets | 1.0018% | 2,488 |
| Return on assets (ROA) | 1.0405% | 2,534 |
| Pretax return on assets | 1.4989% | 1,880 |
| Return on Equity (ROE) | 8.6505% | 2,977 |
| Retained earnings to average equity (ytd only) | 5.8474% | 2,792 |
| Net charge-offs to loans | 1.0240% | 1,032 |
| Credit loss provision to net charge-offs | 57.1010% | 4,235 |
| Earnings coverage of net charge-offs (x) | 2.8264% | 3,908 |
| Efficiency ratio | 62.2585% | 5,113 |
| Assets per employee ($millions) | 3.3968% | 5,219 |
| Cash dividends to net income (ytd only)* | 32.4032% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4539% | 1,265 |
| Loan loss allowance to noncurrent loans | 320.7436% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 1.1040% | 4,092 |
| Noncurrent loans to loans | 0.7651% | 4,880 |
| Net loans and leases to total assets | 60.8639% | 3,595 |
| Net loans and leases to deposits | 70.5418% | 3,822 |
| Net loans and leases to core deposits | 74.2055% | 3,954 |
| Total domestic deposits to total assets | 86.2806% | 3,100 |
| Equity capital to assets | 12.4055% | 1,961 |
| Core capital (leverage) ratio | 11.7122% | 1,835 |
| Tier 1 risk-based capital ratio | 18.6559% | 2,117 |
| Total risk-based capital ratio | 19.9205% | 2,079 |
| Memoranda: | ||
| Average total assets | $711,789,250 | 933 |
| Average earning assets | $660,543,500 | 917 |
| Average equity | $85,619,250 | 816 |
| Average total loans | $444,652,250 | 936 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5727% | 3,471 |
| Cost of funding earning assets | 0.5422% | 5,356 |
| Net interest margin | 4.0305% | 2,380 |
| Noninterest income to average assets | 1.0272% | 1,385 |
| Noninterest expense to average assets | 2.9941% | 3,276 |
| Loan and lease loss provision to assets | 0.3790% | 1,729 |
| Net operating income to assets | 0.9743% | 2,573 |
| Return on assets (ROA) | 1.0258% | 2,578 |
| Pretax return on assets | 1.4736% | 1,945 |
| Return on Equity (ROE) | 8.6177% | 2,976 |
| Retained earnings to average equity (ytd only) | 5.7876% | 2,833 |
| Net charge-offs to loans | 1.3243% | 798 |
| Credit loss provision to net charge-offs | 45.7938% | 4,132 |
| Earnings coverage of net charge-offs (x) | 2.1496% | 3,910 |
| Efficiency ratio | 62.7279% | 5,127 |
| Assets per employee ($millions) | 3.4137% | 5,188 |
| Cash dividends to net income (ytd only)* | 32.8407% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4144% | 1,395 |
| Loan loss allowance to noncurrent loans | 272.6511% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 1.2188% | 3,979 |
| Noncurrent loans to loans | 0.8855% | 4,721 |
| Net loans and leases to total assets | 61.1192% | 3,607 |
| Net loans and leases to deposits | 70.5186% | 3,820 |
| Net loans and leases to core deposits | 74.1568% | 4,012 |
| Total domestic deposits to total assets | 86.6710% | 2,972 |
| Equity capital to assets | 12.1443% | 2,035 |
| Core capital (leverage) ratio | 11.4235% | 1,949 |
| Tier 1 risk-based capital ratio | 18.3394% | 2,183 |
| Total risk-based capital ratio | 19.6036% | 2,143 |
| Memoranda: | ||
| Average total assets | $712,407,330 | 935 |
| Average earning assets | $662,100,670 | 920 |
| Average equity | $84,802,000 | 815 |
| Average total loans | $445,215,000 | 934 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6009% | 3,498 |
| Cost of funding earning assets | 0.5470% | 5,514 |
| Net interest margin | 4.0539% | 2,278 |
| Noninterest income to average assets | 0.9496% | 1,572 |
| Noninterest expense to average assets | 2.9754% | 3,357 |
| Loan and lease loss provision to assets | 0.4204% | 1,499 |
| Net operating income to assets | 0.9359% | 2,765 |
| Return on assets (ROA) | 0.9367% | 2,968 |
| Pretax return on assets | 1.3229% | 2,448 |
| Return on Equity (ROE) | 7.9488% | 3,307 |
| Retained earnings to average equity (ytd only) | 5.0947% | 3,498 |
| Net charge-offs to loans | 0.5783% | 1,650 |
| Credit loss provision to net charge-offs | 116.4596% | 2,027 |
| Earnings coverage of net charge-offs (x) | 4.8261% | 2,496 |
| Efficiency ratio | 63.0703% | 5,089 |
| Assets per employee ($millions) | 3.4109% | 5,324 |
| Cash dividends to net income (ytd only)* | 35.9066% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7896% | 1,019 |
| Loan loss allowance to noncurrent loans | 220.1168% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 1.4775% | 3,648 |
| Noncurrent loans to loans | 1.2673% | 4,211 |
| Net loans and leases to total assets | 59.9548% | 3,678 |
| Net loans and leases to deposits | 68.8258% | 3,904 |
| Net loans and leases to core deposits | 72.2627% | 4,109 |
| Total domestic deposits to total assets | 87.1109% | 2,892 |
| Equity capital to assets | 11.7057% | 2,260 |
| Core capital (leverage) ratio | 11.2801% | 2,048 |
| Tier 1 risk-based capital ratio | 17.8732% | 2,342 |
| Total risk-based capital ratio | 19.1417% | 2,307 |
| Memoranda: | ||
| Average total assets | $713,589,000 | 934 |
| Average earning assets | $663,258,500 | 919 |
| Average equity | $84,088,000 | 817 |
| Average total loans | $445,467,500 | 932 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7977% | 3,824 |
| Cost of funding earning assets | 0.7328% | 5,322 |
| Net interest margin | 4.0649% | 2,584 |
| Noninterest income to average assets | 1.1239% | 1,045 |
| Noninterest expense to average assets | 2.9883% | 3,634 |
| Loan and lease loss provision to assets | 1.0347% | 909 |
| Net operating income to assets | 0.6346% | 3,810 |
| Return on assets (ROA) | 0.6577% | 3,892 |
| Pretax return on assets | 0.9109% | 3,574 |
| Return on Equity (ROE) | 5.7740% | 3,990 |
| Retained earnings to average equity (ytd only) | 3.5494% | 3,703 |
| Net charge-offs to loans | 1.2051% | 1,391 |
| Credit loss provision to net charge-offs | 134.8376% | 2,233 |
| Earnings coverage of net charge-offs (x) | 2.4937% | 3,968 |
| Efficiency ratio | 60.8771% | 5,623 |
| Assets per employee ($millions) | 3.3211% | 5,450 |
| Cash dividends to net income (ytd only)* | 38.5274% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7722% | 1,006 |
| Loan loss allowance to noncurrent loans | 112.1772% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 1.7199% | 3,373 |
| Noncurrent loans to loans | 2.4713% | 2,664 |
| Net loans and leases to total assets | 61.4458% | 3,703 |
| Net loans and leases to deposits | 70.6277% | 4,002 |
| Net loans and leases to core deposits | 74.2160% | 4,208 |
| Total domestic deposits to total assets | 86.9996% | 2,763 |
| Equity capital to assets | 11.8640% | 2,223 |
| Core capital (leverage) ratio | 11.3237% | 2,023 |
| Tier 1 risk-based capital ratio | 17.9541% | 2,203 |
| Total risk-based capital ratio | 19.2230% | 2,174 |
| Memoranda: | ||
| Average total assets | $710,363,000 | 921 |
| Average earning assets | $660,208,600 | 902 |
| Average equity | $80,914,600 | 823 |
| Average total loans | $452,313,800 | 924 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8263% | 3,903 |
| Cost of funding earning assets | 0.7800% | 5,278 |
| Net interest margin | 4.0463% | 2,708 |
| Noninterest income to average assets | 1.1199% | 1,059 |
| Noninterest expense to average assets | 2.9262% | 3,814 |
| Loan and lease loss provision to assets | 1.1705% | 679 |
| Net operating income to assets | 0.5676% | 4,235 |
| Return on assets (ROA) | 0.5985% | 4,272 |
| Pretax return on assets | 0.8242% | 4,041 |
| Return on Equity (ROE) | 5.3092% | 4,394 |
| Retained earnings to average equity (ytd only) | 3.0666% | 4,502 |
| Net charge-offs to loans | 1.4488% | 1,011 |
| Credit loss provision to net charge-offs | 126.6464% | 2,532 |
| Earnings coverage of net charge-offs (x) | 2.1125% | 4,087 |
| Efficiency ratio | 59.8656% | 5,745 |
| Assets per employee ($millions) | 3.2834% | 5,509 |
| Cash dividends to net income (ytd only)* | 42.2404% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6272% | 1,232 |
| Loan loss allowance to noncurrent loans | 95.3505% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 1.9815% | 3,161 |
| Noncurrent loans to loans | 2.7554% | 2,536 |
| Net loans and leases to total assets | 62.5677% | 3,595 |
| Net loans and leases to deposits | 72.5230% | 3,884 |
| Net loans and leases to core deposits | 76.1866% | 4,175 |
| Total domestic deposits to total assets | 86.2729% | 3,055 |
| Equity capital to assets | 11.8882% | 2,343 |
| Core capital (leverage) ratio | 11.0861% | 2,327 |
| Tier 1 risk-based capital ratio | 17.6844% | 2,367 |
| Total risk-based capital ratio | 18.9516% | 2,330 |
| Memoranda: | ||
| Average total assets | $711,936,000 | 925 |
| Average earning assets | $661,332,750 | 901 |
| Average equity | $80,260,500 | 840 |
| Average total loans | $454,153,000 | 938 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8525% | 3,857 |
| Cost of funding earning assets | 0.8078% | 5,317 |
| Net interest margin | 4.0446% | 2,634 |
| Noninterest income to average assets | 1.0959% | 1,079 |
| Noninterest expense to average assets | 2.8583% | 4,198 |
| Loan and lease loss provision to assets | 1.1154% | 724 |
| Net operating income to assets | 0.6327% | 3,901 |
| Return on assets (ROA) | 0.6333% | 4,019 |
| Pretax return on assets | 0.8815% | 3,701 |
| Return on Equity (ROE) | 5.7182% | 4,101 |
| Retained earnings to average equity (ytd only) | 3.4521% | 4,057 |
| Net charge-offs to loans | 2.0261% | 659 |
| Credit loss provision to net charge-offs | 86.5052% | 3,571 |
| Earnings coverage of net charge-offs (x) | 1.5480% | 4,129 |
| Efficiency ratio | 58.7603% | 6,065 |
| Assets per employee ($millions) | 3.3744% | 5,268 |
| Cash dividends to net income (ytd only)* | 39.6301% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2009% | 1,921 |
| Loan loss allowance to noncurrent loans | 74.7980% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 2.0087% | 3,220 |
| Noncurrent loans to loans | 2.9425% | 2,472 |
| Net loans and leases to total assets | 61.5270% | 3,981 |
| Net loans and leases to deposits | 70.2181% | 4,412 |
| Net loans and leases to core deposits | 73.6460% | 4,623 |
| Total domestic deposits to total assets | 87.6227% | 2,389 |
| Equity capital to assets | 11.4369% | 2,563 |
| Core capital (leverage) ratio | 10.8147% | 2,410 |
| Tier 1 risk-based capital ratio | 17.4137% | 2,370 |
| Total risk-based capital ratio | 18.6752% | 2,335 |
| Memoranda: | ||
| Average total assets | $717,220,000 | 921 |
| Average earning assets | $666,465,330 | 907 |
| Average equity | $79,430,000 | 850 |
| Average total loans | $456,445,670 | 951 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8534% | 3,804 |
| Cost of funding earning assets | 0.8440% | 5,308 |
| Net interest margin | 4.0094% | 2,650 |
| Noninterest income to average assets | 1.0578% | 1,176 |
| Noninterest expense to average assets | 2.8379% | 4,301 |
| Loan and lease loss provision to assets | 1.2474% | 558 |
| Net operating income to assets | 0.5103% | 4,449 |
| Return on assets (ROA) | 0.5111% | 4,528 |
| Pretax return on assets | 0.6974% | 4,311 |
| Return on Equity (ROE) | 4.6908% | 4,560 |
| Retained earnings to average equity (ytd only) | 2.4013% | 4,712 |
| Net charge-offs to loans | 2.1041% | 595 |
| Credit loss provision to net charge-offs | 92.6307% | 2,890 |
| Earnings coverage of net charge-offs (x) | 1.4434% | 3,627 |
| Efficiency ratio | 59.2232% | 6,096 |
| Assets per employee ($millions) | 3.4580% | 5,100 |
| Cash dividends to net income (ytd only)* | 48.8069% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2448% | 1,869 |
| Loan loss allowance to noncurrent loans | 83.3699% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 1.7998% | 3,569 |
| Noncurrent loans to loans | 2.6926% | 2,803 |
| Net loans and leases to total assets | 61.5099% | 3,963 |
| Net loans and leases to deposits | 69.6669% | 4,400 |
| Net loans and leases to core deposits | 73.0391% | 4,643 |
| Total domestic deposits to total assets | 88.2915% | 2,196 |
| Equity capital to assets | 10.8499% | 2,825 |
| Core capital (leverage) ratio | 10.5883% | 2,517 |
| Tier 1 risk-based capital ratio | 16.8068% | 2,544 |
| Total risk-based capital ratio | 18.0688% | 2,508 |
| Memoranda: | ||
| Average total assets | $721,515,000 | 927 |
| Average earning assets | $670,130,500 | 909 |
| Average equity | $78,622,500 | 849 |
| Average total loans | $461,763,000 | 948 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2079% | 3,566 |
| Cost of funding earning assets | 1.0509% | 5,429 |
| Net interest margin | 4.1570% | 2,333 |
| Noninterest income to average assets | 1.1108% | 1,201 |
| Noninterest expense to average assets | 2.9121% | 4,175 |
| Loan and lease loss provision to assets | 1.6018% | 900 |
| Net operating income to assets | 0.3708% | 4,676 |
| Return on assets (ROA) | 0.3708% | 4,824 |
| Pretax return on assets | 0.4516% | 4,788 |
| Return on Equity (ROE) | 3.2984% | 4,820 |
| Retained earnings to average equity (ytd only) | -3.0208% | 6,098 |
| Net charge-offs to loans | 1.7912% | 1,178 |
| Credit loss provision to net charge-offs | 131.1887% | 3,020 |
| Earnings coverage of net charge-offs (x) | 1.6817% | 4,477 |
| Efficiency ratio | 58.5234% | 6,277 |
| Assets per employee ($millions) | 3.3974% | 5,176 |
| Cash dividends to net income (ytd only)* | 191.5853% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2366% | 1,806 |
| Loan loss allowance to noncurrent loans | 109.0377% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 1.4139% | 4,225 |
| Noncurrent loans to loans | 2.0512% | 3,485 |
| Net loans and leases to total assets | 63.6339% | 3,946 |
| Net loans and leases to deposits | 72.4032% | 4,445 |
| Net loans and leases to core deposits | 75.5629% | 4,775 |
| Total domestic deposits to total assets | 87.8883% | 2,317 |
| Equity capital to assets | 10.9444% | 2,736 |
| Core capital (leverage) ratio | 10.5620% | 2,497 |
| Tier 1 risk-based capital ratio | 16.4470% | 2,542 |
| Total risk-based capital ratio | 17.7090% | 2,509 |
| Memoranda: | ||
| Average total assets | $717,932,600 | 931 |
| Average earning assets | $665,714,600 | 918 |
| Average equity | $80,706,400 | 818 |
| Average total loans | $489,396,000 | 916 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2597% | 3,533 |
| Cost of funding earning assets | 1.0732% | 5,578 |
| Net interest margin | 4.1865% | 2,267 |
| Noninterest income to average assets | 1.0717% | 1,247 |
| Noninterest expense to average assets | 2.9458% | 3,933 |
| Loan and lease loss provision to assets | 1.7172% | 736 |
| Net operating income to assets | 0.2703% | 5,278 |
| Return on assets (ROA) | 0.2703% | 5,441 |
| Pretax return on assets | 0.2894% | 5,541 |
| Return on Equity (ROE) | 2.3887% | 5,465 |
| Retained earnings to average equity (ytd only) | -5.2401% | 6,573 |
| Net charge-offs to loans | 1.8076% | 1,068 |
| Credit loss provision to net charge-offs | 137.8129% | 2,897 |
| Earnings coverage of net charge-offs (x) | 1.6104% | 4,511 |
| Efficiency ratio | 59.3582% | 6,052 |
| Assets per employee ($millions) | 3.3446% | 5,341 |
| Cash dividends to net income (ytd only)* | 319.3692% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1475% | 1,896 |
| Loan loss allowance to noncurrent loans | 95.3179% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 1.6060% | 4,042 |
| Noncurrent loans to loans | 2.2530% | 3,386 |
| Net loans and leases to total assets | 65.4973% | 3,799 |
| Net loans and leases to deposits | 74.7485% | 4,391 |
| Net loans and leases to core deposits | 77.7727% | 4,830 |
| Total domestic deposits to total assets | 87.6235% | 2,198 |
| Equity capital to assets | 11.0800% | 2,875 |
| Core capital (leverage) ratio | 10.5847% | 2,609 |
| Tier 1 risk-based capital ratio | 15.8955% | 2,812 |
| Total risk-based capital ratio | 17.1565% | 2,750 |
| Memoranda: | ||
| Average total assets | $718,201,250 | 934 |
| Average earning assets | $665,749,750 | 923 |
| Average equity | $81,269,000 | 812 |
| Average total loans | $495,094,750 | 909 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3200% | 3,370 |
| Cost of funding earning assets | 1.0901% | 5,732 |
| Net interest margin | 4.2299% | 2,052 |
| Noninterest income to average assets | 1.0465% | 1,232 |
| Noninterest expense to average assets | 2.9447% | 3,913 |
| Loan and lease loss provision to assets | 1.1803% | 1,195 |
| Net operating income to assets | 0.6513% | 3,623 |
| Return on assets (ROA) | 0.6513% | 3,779 |
| Pretax return on assets | 0.8451% | 3,724 |
| Return on Equity (ROE) | 5.7162% | 3,932 |
| Retained earnings to average equity (ytd only) | 2.7911% | 4,358 |
| Net charge-offs to loans | 1.3201% | 1,436 |
| Credit loss provision to net charge-offs | 128.4764% | 3,129 |
| Earnings coverage of net charge-offs (x) | 2.2047% | 3,912 |
| Efficiency ratio | 59.1249% | 6,195 |
| Assets per employee ($millions) | 3.3277% | 5,366 |
| Cash dividends to net income (ytd only)* | 51.1727% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7460% | 2,913 |
| Loan loss allowance to noncurrent loans | 98.1492% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 1.2592% | 4,628 |
| Noncurrent loans to loans | 1.7790% | 4,025 |
| Net loans and leases to total assets | 67.9873% | 3,363 |
| Net loans and leases to deposits | 77.8684% | 3,995 |
| Net loans and leases to core deposits | 81.0875% | 4,543 |
| Total domestic deposits to total assets | 87.3105% | 2,373 |
| Equity capital to assets | 11.5953% | 2,360 |
| Core capital (leverage) ratio | 11.0681% | 2,188 |
| Tier 1 risk-based capital ratio | 16.1727% | 2,600 |
| Total risk-based capital ratio | 17.4287% | 2,554 |
| Memoranda: | ||
| Average total assets | $720,138,330 | 933 |
| Average earning assets | $668,003,670 | 921 |
| Average equity | $82,047,670 | 798 |
| Average total loans | $501,181,000 | 907 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3388% | 3,350 |
| Cost of funding earning assets | 1.0983% | 5,920 |
| Net interest margin | 4.2404% | 1,892 |
| Noninterest income to average assets | 1.1090% | 1,028 |
| Noninterest expense to average assets | 3.0556% | 3,456 |
| Loan and lease loss provision to assets | 0.9689% | 1,295 |
| Net operating income to assets | 0.8000% | 2,960 |
| Return on assets (ROA) | 0.8000% | 3,066 |
| Pretax return on assets | 1.0154% | 3,031 |
| Return on Equity (ROE) | 7.0841% | 3,305 |
| Retained earnings to average equity (ytd only) | 4.1426% | 3,660 |
| Net charge-offs to loans | 1.5294% | 1,136 |
| Credit loss provision to net charge-offs | 90.7676% | 3,645 |
| Earnings coverage of net charge-offs (x) | 1.8589% | 3,623 |
| Efficiency ratio | 60.5075% | 6,078 |
| Assets per employee ($millions) | 3.3433% | 5,443 |
| Cash dividends to net income (ytd only)* | 41.5225% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4962% | 3,929 |
| Loan loss allowance to noncurrent loans | 96.8215% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 1.1136% | 4,925 |
| Noncurrent loans to loans | 1.5454% | 4,428 |
| Net loans and leases to total assets | 68.2756% | 3,312 |
| Net loans and leases to deposits | 77.7643% | 4,091 |
| Net loans and leases to core deposits | 80.5498% | 4,697 |
| Total domestic deposits to total assets | 87.7981% | 2,179 |
| Equity capital to assets | 11.3148% | 2,491 |
| Core capital (leverage) ratio | 10.9570% | 2,255 |
| Tier 1 risk-based capital ratio | 15.8088% | 2,726 |
| Total risk-based capital ratio | 17.0616% | 2,668 |
| Memoranda: | ||
| Average total assets | $722,477,500 | 953 |
| Average earning assets | $669,740,500 | 942 |
| Average equity | $81,591,500 | 809 |
| Average total loans | $504,238,500 | 927 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7599% | 2,821 |
| Cost of funding earning assets | 1.2606% | 6,440 |
| Net interest margin | 4.4993% | 1,181 |
| Noninterest income to average assets | 1.8808% | 417 |
| Noninterest expense to average assets | 3.4768% | 2,434 |
| Loan and lease loss provision to assets | 1.0406% | 2,203 |
| Net operating income to assets | 1.0457% | 1,686 |
| Return on assets (ROA) | 1.0468% | 1,722 |
| Pretax return on assets | 1.5472% | 1,080 |
| Return on Equity (ROE) | 9.3545% | 1,901 |
| Retained earnings to average equity (ytd only) | 6.1500% | 1,298 |
| Net charge-offs to loans | 1.4010% | 1,791 |
| Credit loss provision to net charge-offs | 103.9034% | 5,315 |
| Earnings coverage of net charge-offs (x) | 2.5824% | 3,822 |
| Efficiency ratio | 57.1074% | 6,880 |
| Assets per employee ($millions) | 3.2119% | 5,696 |
| Cash dividends to net income (ytd only)* | 34.2558% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5233% | 3,606 |
| Loan loss allowance to noncurrent loans | 94.7822% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 1.4123% | 4,292 |
| Noncurrent loans to loans | 1.6071% | 4,248 |
| Net loans and leases to total assets | 69.2068% | 3,433 |
| Net loans and leases to deposits | 78.9408% | 4,182 |
| Net loans and leases to core deposits | 96.5193% | 4,398 |
| Total domestic deposits to total assets | 87.6691% | 2,133 |
| Equity capital to assets | 11.2716% | 2,483 |
| Core capital (leverage) ratio | 10.9638% | 2,245 |
| Tier 1 risk-based capital ratio | 15.3690% | 2,775 |
| Total risk-based capital ratio | 16.6220% | 2,726 |
| Memoranda: | ||
| Average total assets | $711,147,800 | 959 |
| Average earning assets | $661,041,400 | 937 |
| Average equity | $79,576,800 | 814 |
| Average total loans | $508,365,000 | 939 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8491% | 2,669 |
| Cost of funding earning assets | 1.2675% | 6,664 |
| Net interest margin | 4.5816% | 1,016 |
| Noninterest income to average assets | 2.1289% | 331 |
| Noninterest expense to average assets | 3.2120% | 3,261 |
| Loan and lease loss provision to assets | 0.9778% | 1,958 |
| Net operating income to assets | 1.4768% | 859 |
| Return on assets (ROA) | 1.4780% | 918 |
| Pretax return on assets | 2.2058% | 343 |
| Return on Equity (ROE) | 13.2325% | 1,061 |
| Retained earnings to average equity (ytd only) | 10.2021% | 598 |
| Net charge-offs to loans | 1.2693% | 1,618 |
| Credit loss provision to net charge-offs | 107.3050% | 4,737 |
| Earnings coverage of net charge-offs (x) | 3.4920% | 3,510 |
| Efficiency ratio | 49.9677% | 7,556 |
| Assets per employee ($millions) | 3.2059% | 5,633 |
| Cash dividends to net income (ytd only)* | 22.9008% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5286% | 3,286 |
| Loan loss allowance to noncurrent loans | 142.2901% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 1.0924% | 4,896 |
| Noncurrent loans to loans | 1.0743% | 5,161 |
| Net loans and leases to total assets | 70.0967% | 3,494 |
| Net loans and leases to deposits | 80.4196% | 4,317 |
| Net loans and leases to core deposits | 98.8217% | 4,511 |
| Total domestic deposits to total assets | 87.1637% | 2,096 |
| Equity capital to assets | 11.5731% | 2,530 |
| Core capital (leverage) ratio | 11.2852% | 2,196 |
| Tier 1 risk-based capital ratio | 15.5342% | 2,809 |
| Total risk-based capital ratio | 16.7873% | 2,742 |
| Memoranda: | ||
| Average total assets | $709,069,000 | 970 |
| Average earning assets | $660,072,750 | 949 |
| Average equity | $79,197,250 | 830 |
| Average total loans | $509,051,500 | 955 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8892% | 2,636 |
| Cost of funding earning assets | 1.3320% | 6,701 |
| Net interest margin | 4.5572% | 1,043 |
| Noninterest income to average assets | 2.5967% | 253 |
| Noninterest expense to average assets | 3.3015% | 2,957 |
| Loan and lease loss provision to assets | 1.0465% | 1,624 |
| Net operating income to assets | 1.6682% | 596 |
| Return on assets (ROA) | 1.6699% | 655 |
| Pretax return on assets | 2.5023% | 214 |
| Return on Equity (ROE) | 15.1351% | 812 |
| Retained earnings to average equity (ytd only) | 12.0589% | 433 |
| Net charge-offs to loans | 0.6199% | 2,483 |
| Credit loss provision to net charge-offs | 234.4740% | 1,975 |
| Earnings coverage of net charge-offs (x) | 7.9455% | 2,351 |
| Efficiency ratio | 47.9038% | 7,761 |
| Assets per employee ($millions) | 3.1754% | 5,640 |
| Cash dividends to net income (ytd only)* | 20.3252% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8545% | 1,897 |
| Loan loss allowance to noncurrent loans | 82.9798% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 1.6755% | 3,675 |
| Noncurrent loans to loans | 2.2348% | 3,210 |
| Net loans and leases to total assets | 71.9906% | 3,233 |
| Net loans and leases to deposits | 82.5739% | 4,123 |
| Net loans and leases to core deposits | 98.9047% | 4,608 |
| Total domestic deposits to total assets | 87.1833% | 2,154 |
| Equity capital to assets | 11.4997% | 2,543 |
| Core capital (leverage) ratio | 11.1113% | 2,322 |
| Tier 1 risk-based capital ratio | 15.1834% | 2,943 |
| Total risk-based capital ratio | 16.4405% | 2,876 |
| Memoranda: | ||
| Average total assets | $707,122,670 | 991 |
| Average earning assets | $659,613,330 | 966 |
| Average equity | $78,017,330 | 849 |
| Average total loans | $509,100,000 | 979 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8834% | 2,877 |
| Cost of funding earning assets | 1.4145% | 6,682 |
| Net interest margin | 4.4690% | 1,194 |
| Noninterest income to average assets | 1.5751% | 557 |
| Noninterest expense to average assets | 3.2922% | 2,679 |
| Loan and lease loss provision to assets | 0.6762% | 1,871 |
| Net operating income to assets | 1.1953% | 1,669 |
| Return on assets (ROA) | 1.1953% | 1,783 |
| Pretax return on assets | 1.7819% | 1,013 |
| Return on Equity (ROE) | 11.0649% | 1,948 |
| Retained earnings to average equity (ytd only) | 7.9348% | 1,837 |
| Net charge-offs to loans | 0.2102% | 3,377 |
| Credit loss provision to net charge-offs | 451.1278% | 1,171 |
| Earnings coverage of net charge-offs (x) | 16.3985% | 1,553 |
| Efficiency ratio | 56.6935% | 6,870 |
| Assets per employee ($millions) | 2.8704% | 6,473 |
| Cash dividends to net income (ytd only)* | 28.2885% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6426% | 2,339 |
| Loan loss allowance to noncurrent loans | 74.3594% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 1.5964% | 3,521 |
| Noncurrent loans to loans | 2.2091% | 2,963 |
| Net loans and leases to total assets | 70.0215% | 3,665 |
| Net loans and leases to deposits | 79.9858% | 4,617 |
| Net loans and leases to core deposits | 95.8328% | 4,989 |
| Total domestic deposits to total assets | 87.5424% | 1,951 |
| Equity capital to assets | 10.8657% | 3,110 |
| Core capital (leverage) ratio | 10.4191% | 3,012 |
| Tier 1 risk-based capital ratio | 14.5087% | 3,308 |
| Total risk-based capital ratio | 15.7634% | 3,228 |
| Memoranda: | ||
| Average total assets | $709,798,000 | 991 |
| Average earning assets | $663,152,000 | 961 |
| Average equity | $76,675,000 | 863 |
| Average total loans | $506,272,000 | 988 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6746% | 2,131 |
| Cost of funding earning assets | 1.8628% | 6,842 |
| Net interest margin | 4.8119% | 765 |
| Noninterest income to average assets | 1.5990% | 544 |
| Noninterest expense to average assets | 3.4135% | 2,635 |
| Loan and lease loss provision to assets | 0.4899% | 2,856 |
| Net operating income to assets | 1.3865% | 1,259 |
| Return on assets (ROA) | 1.4036% | 1,175 |
| Pretax return on assets | 2.1353% | 452 |
| Return on Equity (ROE) | 13.9082% | 1,128 |
| Retained earnings to average equity (ytd only) | 10.4811% | 389 |
| Net charge-offs to loans | 0.4623% | 2,516 |
| Credit loss provision to net charge-offs | 151.0440% | 3,473 |
| Earnings coverage of net charge-offs (x) | 8.0138% | 2,963 |
| Efficiency ratio | 56.2274% | 6,975 |
| Assets per employee ($millions) | 2.8538% | 6,440 |
| Cash dividends to net income (ytd only)* | 24.6407% | 4,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4738% | 2,809 |
| Loan loss allowance to noncurrent loans | 111.2710% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 1.0230% | 4,270 |
| Noncurrent loans to loans | 1.3245% | 3,864 |
| Net loans and leases to total assets | 70.4102% | 3,922 |
| Net loans and leases to deposits | 80.4558% | 4,964 |
| Net loans and leases to core deposits | 96.6910% | 5,184 |
| Total domestic deposits to total assets | 87.5142% | 1,700 |
| Equity capital to assets | 10.7382% | 3,263 |
| Core capital (leverage) ratio | 10.4018% | 3,071 |
| Tier 1 risk-based capital ratio | 14.2775% | 3,409 |
| Total risk-based capital ratio | 15.5301% | 3,325 |
| Memoranda: | ||
| Average total assets | $693,950,600 | 966 |
| Average earning assets | $636,574,000 | 955 |
| Average equity | $70,030,600 | 953 |
| Average total loans | $486,900,600 | 982 |