Home > First Bankers Trust Company > Performance and Condition Ratios
First Bankers Trust Company, 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 | 3.8216% | 4,159 |
| Cost of funding earning assets | 1.5450% | 1,825 |
| Net interest margin | 2.2766% | 4,272 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 2.0670% | 3,481 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.5631% | 3,531 |
| Return on assets (ROA) | 0.5631% | 3,519 |
| Pretax return on assets | 0.6902% | 3,462 |
| Return on Equity (ROE) | 10.3200% | 2,399 |
| Retained earnings to average equity (ytd only) | 7.7364% | 1,613 |
| Net charge-offs to loans | 0.0346% | 1,613 |
| Credit loss provision to net charge-offs | 287.8788% | 982 |
| Earnings coverage of net charge-offs (x) | 42.4192% | 1,409 |
| Efficiency ratio | 73.6183% | 1,492 |
| Assets per employee ($millions) | 7.4065% | 1,801 |
| Cash dividends to net income (ytd only)* | 25.0509% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6542% | 752 |
| Loan loss allowance to noncurrent loans | 93.3912% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.9309% | 537 |
| Noncurrent loans to loans | 1.7713% | 344 |
| Net loans and leases to total assets | 51.3000% | 3,522 |
| Net loans and leases to deposits | 60.2322% | 3,507 |
| Net loans and leases to core deposits | 65.6182% | 3,513 |
| Total domestic deposits to total assets | 85.1700% | 2,256 |
| Equity capital to assets | 5.7168% | 4,293 |
| Core capital (leverage) ratio | 9.4705% | 3,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3031% | 1,205 |
| Memoranda: | ||
| Average total assets | $1,134,237,000 | 892 |
| Average earning assets | $1,055,173,400 | 878 |
| Average equity | $61,876,200 | 1,364 |
| Average total loans | $571,803,800 | 1,117 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6918% | 4,217 |
| Cost of funding earning assets | 1.4634% | 1,695 |
| Net interest margin | 2.2284% | 4,337 |
| Noninterest income to average assets | 0.6800% | 1,252 |
| Noninterest expense to average assets | 2.0659% | 3,435 |
| Loan and lease loss provision to assets | -0.0300% | 4,416 |
| Net operating income to assets | 0.5866% | 3,576 |
| Return on assets (ROA) | 0.5866% | 3,564 |
| Pretax return on assets | 0.7178% | 3,512 |
| Return on Equity (ROE) | 10.8900% | 2,404 |
| Retained earnings to average equity (ytd only) | 9.1347% | 1,649 |
| Net charge-offs to loans | 0.0196% | 1,730 |
| Credit loss provision to net charge-offs | -277.1084% | 4,554 |
| Earnings coverage of net charge-offs (x) | 70.5783% | 1,107 |
| Efficiency ratio | 74.9348% | 1,274 |
| Assets per employee ($millions) | 7.3567% | 1,723 |
| Cash dividends to net income (ytd only)* | 16.0804% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5604% | 963 |
| Loan loss allowance to noncurrent loans | 77.3314% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 1.0324% | 488 |
| Noncurrent loans to loans | 2.0179% | 299 |
| Net loans and leases to total assets | 50.3600% | 3,593 |
| Net loans and leases to deposits | 61.5571% | 3,430 |
| Net loans and leases to core deposits | 68.8239% | 3,279 |
| Total domestic deposits to total assets | 81.8200% | 3,246 |
| Equity capital to assets | 5.1778% | 4,220 |
| Core capital (leverage) ratio | 9.4620% | 3,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6638% | 1,163 |
| Memoranda: | ||
| Average total assets | $1,130,795,250 | 897 |
| Average earning assets | $1,051,737,500 | 882 |
| Average equity | $60,938,000 | 1,367 |
| Average total loans | $565,046,000 | 1,124 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5063% | 4,337 |
| Cost of funding earning assets | 1.3031% | 1,704 |
| Net interest margin | 2.2031% | 4,420 |
| Noninterest income to average assets | 0.6600% | 1,238 |
| Noninterest expense to average assets | 2.0882% | 3,380 |
| Loan and lease loss provision to assets | -0.2700% | 4,623 |
| Net operating income to assets | 0.7046% | 3,336 |
| Return on assets (ROA) | 0.7046% | 3,340 |
| Pretax return on assets | 0.8844% | 3,208 |
| Return on Equity (ROE) | 12.9100% | 1,918 |
| Retained earnings to average equity (ytd only) | 12.9073% | 821 |
| Net charge-offs to loans | 0.0140% | 1,666 |
| Credit loss provision to net charge-offs | -3,846.1538% | 4,656 |
| Earnings coverage of net charge-offs (x) | 88.8718% | 996 |
| Efficiency ratio | 77.1707% | 1,074 |
| Assets per employee ($millions) | 6.7198% | 2,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6405% | 856 |
| Loan loss allowance to noncurrent loans | 132.5136% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.6122% | 877 |
| Noncurrent loans to loans | 1.2380% | 572 |
| Net loans and leases to total assets | 48.6400% | 3,652 |
| Net loans and leases to deposits | 58.7270% | 3,500 |
| Net loans and leases to core deposits | 69.0580% | 3,178 |
| Total domestic deposits to total assets | 82.8300% | 3,084 |
| Equity capital to assets | 5.4635% | 4,299 |
| Core capital (leverage) ratio | 9.7508% | 3,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0708% | 1,113 |
| Memoranda: | ||
| Average total assets | $1,122,971,333 | 891 |
| Average earning assets | $1,044,418,000 | 879 |
| Average equity | $61,298,667 | 1,364 |
| Average total loans | $556,419,667 | 1,125 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4644% | 4,303 |
| Cost of funding earning assets | 1.0349% | 1,934 |
| Net interest margin | 2.4295% | 4,363 |
| Noninterest income to average assets | 0.6600% | 1,223 |
| Noninterest expense to average assets | 2.1249% | 3,322 |
| Loan and lease loss provision to assets | -0.5400% | 4,661 |
| Net operating income to assets | 1.0323% | 2,428 |
| Return on assets (ROA) | 1.0323% | 2,397 |
| Pretax return on assets | 1.3380% | 2,063 |
| Return on Equity (ROE) | 18.9200% | 896 |
| Retained earnings to average equity (ytd only) | 18.9195% | 443 |
| Net charge-offs to loans | -0.0130% | 3,943 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.6468% | 1,479 |
| Assets per employee ($millions) | 6.6415% | 2,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6786% | 864 |
| Loan loss allowance to noncurrent loans | 127.1930% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 0.6578% | 752 |
| Noncurrent loans to loans | 1.3198% | 506 |
| Net loans and leases to total assets | 49.0100% | 3,567 |
| Net loans and leases to deposits | 60.1203% | 3,328 |
| Net loans and leases to core deposits | 68.1120% | 3,092 |
| Total domestic deposits to total assets | 81.5100% | 3,558 |
| Equity capital to assets | 5.6768% | 4,300 |
| Core capital (leverage) ratio | 9.4789% | 3,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3171% | 1,108 |
| Memoranda: | ||
| Average total assets | $1,113,274,500 | 914 |
| Average earning assets | $1,035,458,000 | 901 |
| Average equity | $60,741,500 | 1,383 |
| Average total loans | $552,155,500 | 1,145 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8469% | 4,283 |
| Cost of funding earning assets | 0.2754% | 3,093 |
| Net interest margin | 2.5715% | 4,207 |
| Noninterest income to average assets | 0.6700% | 1,396 |
| Noninterest expense to average assets | 2.0304% | 3,501 |
| Loan and lease loss provision to assets | -0.0400% | 4,387 |
| Net operating income to assets | 0.8650% | 3,098 |
| Return on assets (ROA) | 0.8213% | 3,181 |
| Pretax return on assets | 1.0386% | 2,945 |
| Return on Equity (ROE) | 13.5900% | 1,629 |
| Retained earnings to average equity (ytd only) | 10.1655% | 1,103 |
| Net charge-offs to loans | 0.0273% | 1,512 |
| Credit loss provision to net charge-offs | -352.1127% | 4,623 |
| Earnings coverage of net charge-offs (x) | 85.8521% | 1,052 |
| Efficiency ratio | 65.8721% | 2,245 |
| Assets per employee ($millions) | 6.6911% | 2,188 |
| Cash dividends to net income (ytd only)* | 25.1916% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9596% | 468 |
| Loan loss allowance to noncurrent loans | 140.6429% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.6877% | 704 |
| Noncurrent loans to loans | 1.3933% | 483 |
| Net loans and leases to total assets | 48.3900% | 3,648 |
| Net loans and leases to deposits | 58.6792% | 3,412 |
| Net loans and leases to core deposits | 63.3682% | 3,304 |
| Total domestic deposits to total assets | 82.4600% | 3,539 |
| Equity capital to assets | 5.2370% | 4,306 |
| Core capital (leverage) ratio | 9.2314% | 3,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8800% | 1,148 |
| Memoranda: | ||
| Average total assets | $1,160,054,000 | 874 |
| Average earning assets | $1,088,637,800 | 859 |
| Average equity | $70,110,000 | 1,247 |
| Average total loans | $519,297,400 | 1,145 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7181% | 4,281 |
| Cost of funding earning assets | 0.1875% | 3,423 |
| Net interest margin | 2.5306% | 4,184 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 1.9310% | 3,673 |
| Loan and lease loss provision to assets | -0.0600% | 4,520 |
| Net operating income to assets | 0.9317% | 2,751 |
| Return on assets (ROA) | 0.8739% | 2,958 |
| Pretax return on assets | 1.1180% | 2,667 |
| Return on Equity (ROE) | 14.0100% | 1,423 |
| Retained earnings to average equity (ytd only) | 9.6298% | 1,450 |
| Net charge-offs to loans | 0.0102% | 1,739 |
| Credit loss provision to net charge-offs | -1,282.0513% | 4,727 |
| Earnings coverage of net charge-offs (x) | 255.3846% | 530 |
| Efficiency ratio | 62.9686% | 2,692 |
| Assets per employee ($millions) | 6.5637% | 2,272 |
| Cash dividends to net income (ytd only)* | 31.2785% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0382% | 473 |
| Loan loss allowance to noncurrent loans | 133.9801% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.7404% | 685 |
| Noncurrent loans to loans | 1.5213% | 459 |
| Net loans and leases to total assets | 46.9900% | 3,703 |
| Net loans and leases to deposits | 56.7255% | 3,421 |
| Net loans and leases to core deposits | 58.1094% | 3,496 |
| Total domestic deposits to total assets | 82.8400% | 3,717 |
| Equity capital to assets | 4.8945% | 4,313 |
| Core capital (leverage) ratio | 8.8796% | 3,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8645% | 1,206 |
| Memoranda: | ||
| Average total assets | $1,170,714,500 | 875 |
| Average earning assets | $1,102,009,000 | 858 |
| Average equity | $73,007,750 | 1,224 |
| Average total loans | $511,251,750 | 1,158 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5710% | 4,302 |
| Cost of funding earning assets | 0.1524% | 3,538 |
| Net interest margin | 2.4187% | 4,204 |
| Noninterest income to average assets | 0.6834% | 1,415 |
| Noninterest expense to average assets | 1.8705% | 3,777 |
| Loan and lease loss provision to assets | -0.0841% | 4,575 |
| Net operating income to assets | 0.9325% | 2,433 |
| Return on assets (ROA) | 0.8597% | 2,711 |
| Pretax return on assets | 1.0933% | 2,433 |
| Return on Equity (ROE) | 12.9165% | 1,400 |
| Retained earnings to average equity (ytd only) | 8.8730% | 1,324 |
| Net charge-offs to loans | 0.0099% | 1,615 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,665 |
| Earnings coverage of net charge-offs (x) | 261.9200% | 449 |
| Efficiency ratio | 62.9103% | 2,931 |
| Assets per employee ($millions) | 6.7351% | 2,137 |
| Cash dividends to net income (ytd only)* | 31.3050% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0755% | 472 |
| Loan loss allowance to noncurrent loans | 130.3891% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.7366% | 719 |
| Noncurrent loans to loans | 1.5917% | 458 |
| Net loans and leases to total assets | 44.7527% | 3,776 |
| Net loans and leases to deposits | 53.1066% | 3,598 |
| Net loans and leases to core deposits | 54.8562% | 3,646 |
| Total domestic deposits to total assets | 84.2696% | 3,635 |
| Equity capital to assets | 4.7891% | 4,520 |
| Core capital (leverage) ratio | 8.5817% | 3,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7884% | 1,226 |
| Memoranda: | ||
| Average total assets | $1,189,011,000 | 859 |
| Average earning assets | $1,125,006,667 | 846 |
| Average equity | $79,139,000 | 1,172 |
| Average total loans | $503,247,000 | 1,166 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4479% | 4,330 |
| Cost of funding earning assets | 0.1454% | 3,561 |
| Net interest margin | 2.3025% | 4,235 |
| Noninterest income to average assets | 0.6406% | 1,529 |
| Noninterest expense to average assets | 1.8568% | 3,791 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7759% | 2,744 |
| Return on assets (ROA) | 0.7592% | 2,811 |
| Pretax return on assets | 0.9552% | 2,591 |
| Return on Equity (ROE) | 10.0603% | 1,946 |
| Retained earnings to average equity (ytd only) | 6.5489% | 2,057 |
| Net charge-offs to loans | -0.0016% | 3,074 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5132% | 2,828 |
| Assets per employee ($millions) | 7.0829% | 1,935 |
| Cash dividends to net income (ytd only)* | 34.9040% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2675% | 393 |
| Loan loss allowance to noncurrent loans | 141.2309% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.7150% | 790 |
| Noncurrent loans to loans | 1.6055% | 501 |
| Net loans and leases to total assets | 41.4771% | 3,916 |
| Net loans and leases to deposits | 52.6094% | 3,524 |
| Net loans and leases to core deposits | 54.9495% | 3,530 |
| Total domestic deposits to total assets | 78.8398% | 4,354 |
| Equity capital to assets | 6.5550% | 4,405 |
| Core capital (leverage) ratio | 8.3052% | 4,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6104% | 1,363 |
| Memoranda: | ||
| Average total assets | $1,207,664,500 | 856 |
| Average earning assets | $1,150,063,500 | 830 |
| Average equity | $91,130,500 | 1,077 |
| Average total loans | $491,699,000 | 1,173 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3692% | 4,554 |
| Cost of funding earning assets | 0.2153% | 3,314 |
| Net interest margin | 2.1539% | 4,512 |
| Noninterest income to average assets | 0.6160% | 2,093 |
| Noninterest expense to average assets | 1.8633% | 4,015 |
| Loan and lease loss provision to assets | -0.0489% | 4,350 |
| Net operating income to assets | 0.6800% | 3,671 |
| Return on assets (ROA) | 0.7370% | 3,586 |
| Pretax return on assets | 0.9320% | 3,414 |
| Return on Equity (ROE) | 8.2636% | 3,142 |
| Retained earnings to average equity (ytd only) | 5.2411% | 2,697 |
| Net charge-offs to loans | 0.0266% | 1,708 |
| Credit loss provision to net charge-offs | -453.1250% | 3,739 |
| Earnings coverage of net charge-offs (x) | 75.2109% | 1,032 |
| Efficiency ratio | 69.5814% | 1,787 |
| Assets per employee ($millions) | 7.0832% | 1,875 |
| Cash dividends to net income (ytd only)* | 36.5756% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3932% | 329 |
| Loan loss allowance to noncurrent loans | 129.9398% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 0.7517% | 819 |
| Noncurrent loans to loans | 1.8418% | 449 |
| Net loans and leases to total assets | 38.1059% | 4,187 |
| Net loans and leases to deposits | 47.1682% | 4,039 |
| Net loans and leases to core deposits | 48.9818% | 4,056 |
| Total domestic deposits to total assets | 80.7873% | 4,129 |
| Equity capital to assets | 8.5083% | 4,043 |
| Core capital (leverage) ratio | 7.8085% | 4,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2074% | 1,213 |
| Memoranda: | ||
| Average total assets | $1,187,130,600 | 833 |
| Average earning assets | $1,134,412,600 | 812 |
| Average equity | $105,874,000 | 965 |
| Average total loans | $481,720,000 | 1,197 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3537% | 4,652 |
| Cost of funding earning assets | 0.2321% | 3,301 |
| Net interest margin | 2.1216% | 4,614 |
| Noninterest income to average assets | 0.6225% | 2,124 |
| Noninterest expense to average assets | 1.8502% | 4,056 |
| Loan and lease loss provision to assets | -0.0034% | 4,299 |
| Net operating income to assets | 0.6341% | 3,943 |
| Return on assets (ROA) | 0.7107% | 3,805 |
| Pretax return on assets | 0.8984% | 3,701 |
| Return on Equity (ROE) | 7.8748% | 3,439 |
| Retained earnings to average equity (ytd only) | 4.8639% | 3,269 |
| Net charge-offs to loans | 0.0022% | 2,297 |
| Credit loss provision to net charge-offs | -375.0000% | 3,563 |
| Earnings coverage of net charge-offs (x) | 881.0000% | 184 |
| Efficiency ratio | 69.7465% | 1,626 |
| Assets per employee ($millions) | 7.4876% | 1,580 |
| Cash dividends to net income (ytd only)* | 38.2348% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5425% | 270 |
| Loan loss allowance to noncurrent loans | 113.3888% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.8953% | 770 |
| Noncurrent loans to loans | 2.2423% | 365 |
| Net loans and leases to total assets | 37.3746% | 4,328 |
| Net loans and leases to deposits | 47.5254% | 4,146 |
| Net loans and leases to core deposits | 50.0737% | 4,133 |
| Total domestic deposits to total assets | 78.6413% | 4,363 |
| Equity capital to assets | 8.6562% | 4,097 |
| Core capital (leverage) ratio | 7.9716% | 4,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9776% | 1,356 |
| Memoranda: | ||
| Average total assets | $1,177,563,750 | 851 |
| Average earning assets | $1,124,319,000 | 828 |
| Average equity | $106,277,250 | 976 |
| Average total loans | $482,550,500 | 1,218 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3715% | 4,686 |
| Cost of funding earning assets | 0.2456% | 3,318 |
| Net interest margin | 2.1259% | 4,644 |
| Noninterest income to average assets | 0.6249% | 2,110 |
| Noninterest expense to average assets | 1.8277% | 4,124 |
| Loan and lease loss provision to assets | 0.0294% | 2,391 |
| Net operating income to assets | 0.6310% | 3,916 |
| Return on assets (ROA) | 0.6491% | 3,937 |
| Pretax return on assets | 0.8187% | 3,824 |
| Return on Equity (ROE) | 7.0881% | 3,638 |
| Retained earnings to average equity (ytd only) | 4.0647% | 3,498 |
| Net charge-offs to loans | -0.0153% | 3,866 |
| Credit loss provision to net charge-offs | -459.4595% | 3,446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7235% | 1,791 |
| Assets per employee ($millions) | 6.7925% | 1,946 |
| Cash dividends to net income (ytd only)* | 42.6553% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5610% | 260 |
| Loan loss allowance to noncurrent loans | 105.2345% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 1.0717% | 697 |
| Noncurrent loans to loans | 2.4336% | 340 |
| Net loans and leases to total assets | 39.8016% | 4,295 |
| Net loans and leases to deposits | 50.5975% | 4,069 |
| Net loans and leases to core deposits | 54.2054% | 4,012 |
| Total domestic deposits to total assets | 78.6632% | 4,371 |
| Equity capital to assets | 8.8912% | 3,900 |
| Core capital (leverage) ratio | 8.1382% | 4,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9348% | 1,353 |
| Memoranda: | ||
| Average total assets | $1,155,771,000 | 856 |
| Average earning assets | $1,102,587,000 | 836 |
| Average equity | $105,839,000 | 972 |
| Average total loans | $484,512,667 | 1,212 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4507% | 4,687 |
| Cost of funding earning assets | 0.2655% | 3,324 |
| Net interest margin | 2.1852% | 4,621 |
| Noninterest income to average assets | 0.6255% | 2,107 |
| Noninterest expense to average assets | 1.8153% | 4,187 |
| Loan and lease loss provision to assets | 0.0595% | 1,932 |
| Net operating income to assets | 0.6460% | 3,819 |
| Return on assets (ROA) | 0.6784% | 3,826 |
| Pretax return on assets | 0.8776% | 3,650 |
| Return on Equity (ROE) | 7.2983% | 3,524 |
| Retained earnings to average equity (ytd only) | 4.2856% | 3,422 |
| Net charge-offs to loans | -0.0313% | 4,190 |
| Credit loss provision to net charge-offs | -447.3684% | 3,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7570% | 2,112 |
| Assets per employee ($millions) | 6.6019% | 2,094 |
| Cash dividends to net income (ytd only)* | 41.2797% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5463% | 241 |
| Loan loss allowance to noncurrent loans | 103.4728% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 1.1019% | 718 |
| Noncurrent loans to loans | 2.4608% | 381 |
| Net loans and leases to total assets | 40.4983% | 4,318 |
| Net loans and leases to deposits | 53.8004% | 3,952 |
| Net loans and leases to core deposits | 57.8730% | 3,845 |
| Total domestic deposits to total assets | 75.2751% | 4,615 |
| Equity capital to assets | 8.9742% | 3,711 |
| Core capital (leverage) ratio | 8.4765% | 4,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8995% | 1,325 |
| Memoranda: | ||
| Average total assets | $1,142,705,500 | 856 |
| Average earning assets | $1,090,812,500 | 833 |
| Average equity | $106,216,000 | 962 |
| Average total loans | $485,379,000 | 1,212 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1361% | 4,524 |
| Cost of funding earning assets | 0.4361% | 3,373 |
| Net interest margin | 2.7000% | 4,374 |
| Noninterest income to average assets | 0.7263% | 1,761 |
| Noninterest expense to average assets | 1.9975% | 4,146 |
| Loan and lease loss provision to assets | 0.2340% | 1,664 |
| Net operating income to assets | 0.8221% | 3,009 |
| Return on assets (ROA) | 0.8218% | 3,134 |
| Pretax return on assets | 1.0576% | 2,845 |
| Return on Equity (ROE) | 8.1846% | 2,746 |
| Retained earnings to average equity (ytd only) | 5.0770% | 2,240 |
| Net charge-offs to loans | 0.4080% | 422 |
| Credit loss provision to net charge-offs | 118.1684% | 2,651 |
| Earnings coverage of net charge-offs (x) | 6.5239% | 2,775 |
| Efficiency ratio | 60.2490% | 3,421 |
| Assets per employee ($millions) | 6.3821% | 2,017 |
| Cash dividends to net income (ytd only)* | 37.9687% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5058% | 263 |
| Loan loss allowance to noncurrent loans | 100.7125% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 1.1643% | 761 |
| Noncurrent loans to loans | 2.4881% | 405 |
| Net loans and leases to total assets | 42.3502% | 4,330 |
| Net loans and leases to deposits | 54.7086% | 4,082 |
| Net loans and leases to core deposits | 59.4009% | 3,980 |
| Total domestic deposits to total assets | 77.4106% | 4,374 |
| Equity capital to assets | 9.6310% | 3,473 |
| Core capital (leverage) ratio | 8.2287% | 4,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8459% | 1,299 |
| Memoranda: | ||
| Average total assets | $1,025,525,400 | 864 |
| Average earning assets | $973,594,000 | 837 |
| Average equity | $102,973,800 | 940 |
| Average total loans | $497,737,800 | 1,142 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2604% | 4,526 |
| Cost of funding earning assets | 0.4759% | 3,387 |
| Net interest margin | 2.7845% | 4,360 |
| Noninterest income to average assets | 0.7227% | 1,728 |
| Noninterest expense to average assets | 2.0294% | 4,090 |
| Loan and lease loss provision to assets | 0.2127% | 1,896 |
| Net operating income to assets | 0.8695% | 2,824 |
| Return on assets (ROA) | 0.8691% | 2,962 |
| Pretax return on assets | 1.1198% | 2,678 |
| Return on Equity (ROE) | 8.5582% | 2,581 |
| Retained earnings to average equity (ytd only) | 5.4156% | 2,368 |
| Net charge-offs to loans | 0.5257% | 285 |
| Credit loss provision to net charge-offs | 81.0127% | 2,753 |
| Earnings coverage of net charge-offs (x) | 5.0759% | 2,765 |
| Efficiency ratio | 59.8529% | 3,408 |
| Assets per employee ($millions) | 6.3852% | 1,926 |
| Cash dividends to net income (ytd only)* | 36.7197% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3000% | 298 |
| Loan loss allowance to noncurrent loans | 101.4850% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 1.1519% | 894 |
| Noncurrent loans to loans | 2.2663% | 499 |
| Net loans and leases to total assets | 44.9270% | 4,373 |
| Net loans and leases to deposits | 59.3599% | 4,102 |
| Net loans and leases to core deposits | 63.5374% | 4,030 |
| Total domestic deposits to total assets | 75.6858% | 4,452 |
| Equity capital to assets | 9.9059% | 3,319 |
| Core capital (leverage) ratio | 8.5035% | 4,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7893% | 1,306 |
| Memoranda: | ||
| Average total assets | $1,002,689,750 | 866 |
| Average earning assets | $950,586,000 | 842 |
| Average equity | $101,826,000 | 941 |
| Average total loans | $500,884,000 | 1,123 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4128% | 4,527 |
| Cost of funding earning assets | 0.5195% | 3,418 |
| Net interest margin | 2.8932% | 4,320 |
| Noninterest income to average assets | 0.6772% | 1,822 |
| Noninterest expense to average assets | 2.0595% | 4,117 |
| Loan and lease loss provision to assets | 0.2047% | 2,005 |
| Net operating income to assets | 0.8952% | 2,703 |
| Return on assets (ROA) | 0.8946% | 2,826 |
| Pretax return on assets | 1.1510% | 2,546 |
| Return on Equity (ROE) | 8.7301% | 2,481 |
| Retained earnings to average equity (ytd only) | 5.5345% | 2,264 |
| Net charge-offs to loans | 0.2715% | 587 |
| Credit loss provision to net charge-offs | 146.6276% | 2,148 |
| Earnings coverage of net charge-offs (x) | 9.7185% | 2,201 |
| Efficiency ratio | 59.7867% | 3,437 |
| Assets per employee ($millions) | 6.4960% | 1,779 |
| Cash dividends to net income (ytd only)* | 36.6049% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3483% | 273 |
| Loan loss allowance to noncurrent loans | 90.3365% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 1.3674% | 730 |
| Noncurrent loans to loans | 2.5995% | 435 |
| Net loans and leases to total assets | 46.1287% | 4,359 |
| Net loans and leases to deposits | 62.0325% | 4,002 |
| Net loans and leases to core deposits | 67.3093% | 3,903 |
| Total domestic deposits to total assets | 74.3621% | 4,566 |
| Equity capital to assets | 9.6235% | 3,547 |
| Core capital (leverage) ratio | 8.6663% | 4,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2138% | 1,441 |
| Memoranda: | ||
| Average total assets | $977,219,667 | 874 |
| Average earning assets | $925,050,667 | 850 |
| Average equity | $100,136,333 | 945 |
| Average total loans | $502,438,667 | 1,114 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6556% | 4,463 |
| Cost of funding earning assets | 0.5796% | 3,537 |
| Net interest margin | 3.0761% | 4,141 |
| Noninterest income to average assets | 0.6999% | 1,648 |
| Noninterest expense to average assets | 2.1918% | 4,023 |
| Loan and lease loss provision to assets | 0.1739% | 1,700 |
| Net operating income to assets | 0.9616% | 2,312 |
| Return on assets (ROA) | 0.9616% | 2,416 |
| Pretax return on assets | 1.2367% | 2,077 |
| Return on Equity (ROE) | 9.0570% | 2,090 |
| Retained earnings to average equity (ytd only) | 5.7814% | 1,962 |
| Net charge-offs to loans | 0.2057% | 673 |
| Credit loss provision to net charge-offs | 156.8627% | 1,561 |
| Earnings coverage of net charge-offs (x) | 12.7255% | 1,682 |
| Efficiency ratio | 60.3355% | 3,698 |
| Assets per employee ($millions) | 5.5012% | 2,118 |
| Cash dividends to net income (ytd only)* | 36.1664% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4302% | 275 |
| Loan loss allowance to noncurrent loans | 158.0739% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.9881% | 1,339 |
| Noncurrent loans to loans | 1.5374% | 1,029 |
| Net loans and leases to total assets | 52.1488% | 4,104 |
| Net loans and leases to deposits | 65.1323% | 3,917 |
| Net loans and leases to core deposits | 71.3551% | 3,792 |
| Total domestic deposits to total assets | 80.0660% | 3,844 |
| Equity capital to assets | 10.7661% | 3,082 |
| Core capital (leverage) ratio | 9.8862% | 3,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5898% | 1,444 |
| Memoranda: | ||
| Average total assets | $920,166,500 | 891 |
| Average earning assets | $868,249,500 | 876 |
| Average equity | $97,692,500 | 960 |
| Average total loans | $495,898,000 | 1,104 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7724% | 4,604 |
| Cost of funding earning assets | 0.6801% | 3,263 |
| Net interest margin | 3.0923% | 4,379 |
| Noninterest income to average assets | 0.7435% | 1,654 |
| Noninterest expense to average assets | 2.2996% | 3,948 |
| Loan and lease loss provision to assets | 0.2609% | 692 |
| Net operating income to assets | 0.8655% | 3,337 |
| Return on assets (ROA) | 0.8608% | 3,447 |
| Pretax return on assets | 1.0857% | 3,217 |
| Return on Equity (ROE) | 8.6569% | 2,889 |
| Retained earnings to average equity (ytd only) | 5.1578% | 2,330 |
| Net charge-offs to loans | 0.7010% | 240 |
| Credit loss provision to net charge-offs | 70.3606% | 2,908 |
| Earnings coverage of net charge-offs (x) | 3.6473% | 3,300 |
| Efficiency ratio | 62.4613% | 3,299 |
| Assets per employee ($millions) | 5.4534% | 2,103 |
| Cash dividends to net income (ytd only)* | 40.4194% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3540% | 261 |
| Loan loss allowance to noncurrent loans | 180.8253% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.8527% | 1,508 |
| Noncurrent loans to loans | 1.3018% | 1,159 |
| Net loans and leases to total assets | 53.0562% | 4,140 |
| Net loans and leases to deposits | 66.2461% | 3,943 |
| Net loans and leases to core deposits | 72.4448% | 3,830 |
| Total domestic deposits to total assets | 80.0895% | 3,960 |
| Equity capital to assets | 10.4680% | 3,481 |
| Core capital (leverage) ratio | 9.7425% | 3,798 |
| Tier 1 risk-based capital ratio | 14.8982% | 2,825 |
| Total risk-based capital ratio | 16.1575% | 2,757 |
| Memoranda: | ||
| Average total assets | $919,752,000 | 857 |
| Average earning assets | $865,184,800 | 836 |
| Average equity | $91,453,200 | 965 |
| Average total loans | $486,616,400 | 1,104 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7839% | 4,693 |
| Cost of funding earning assets | 0.6840% | 3,287 |
| Net interest margin | 3.0999% | 4,473 |
| Noninterest income to average assets | 0.7462% | 1,604 |
| Noninterest expense to average assets | 2.2399% | 4,093 |
| Loan and lease loss provision to assets | 0.2466% | 672 |
| Net operating income to assets | 0.9274% | 3,243 |
| Return on assets (ROA) | 0.9211% | 3,346 |
| Pretax return on assets | 1.1654% | 3,087 |
| Return on Equity (ROE) | 9.3881% | 2,722 |
| Retained earnings to average equity (ytd only) | 5.8404% | 2,440 |
| Net charge-offs to loans | 0.8664% | 174 |
| Credit loss provision to net charge-offs | 54.1574% | 2,753 |
| Earnings coverage of net charge-offs (x) | 3.1188% | 3,131 |
| Efficiency ratio | 60.6998% | 3,518 |
| Assets per employee ($millions) | 5.3964% | 2,126 |
| Cash dividends to net income (ytd only)* | 37.7893% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3470% | 267 |
| Loan loss allowance to noncurrent loans | 165.3326% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.9292% | 1,454 |
| Noncurrent loans to loans | 1.4195% | 1,071 |
| Net loans and leases to total assets | 52.1367% | 4,309 |
| Net loans and leases to deposits | 65.6169% | 4,089 |
| Net loans and leases to core deposits | 68.8987% | 4,113 |
| Total domestic deposits to total assets | 79.4562% | 4,093 |
| Equity capital to assets | 10.7420% | 3,343 |
| Core capital (leverage) ratio | 9.4139% | 4,268 |
| Tier 1 risk-based capital ratio | 14.8055% | 2,951 |
| Total risk-based capital ratio | 16.0640% | 2,872 |
| Memoranda: | ||
| Average total assets | $919,283,500 | 856 |
| Average earning assets | $864,055,500 | 841 |
| Average equity | $90,197,500 | 973 |
| Average total loans | $483,078,500 | 1,113 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6903% | 4,838 |
| Cost of funding earning assets | 0.6729% | 3,311 |
| Net interest margin | 3.0174% | 4,656 |
| Noninterest income to average assets | 0.7387% | 1,569 |
| Noninterest expense to average assets | 2.1932% | 4,239 |
| Loan and lease loss provision to assets | 0.3032% | 455 |
| Net operating income to assets | 0.8514% | 3,464 |
| Return on assets (ROA) | 0.8420% | 3,559 |
| Pretax return on assets | 1.0679% | 3,330 |
| Return on Equity (ROE) | 8.8564% | 2,914 |
| Retained earnings to average equity (ytd only) | 5.2118% | 2,664 |
| Net charge-offs to loans | 0.0075% | 2,883 |
| Credit loss provision to net charge-offs | 7,777.7778% | 38 |
| Earnings coverage of net charge-offs (x) | 354.7778% | 219 |
| Efficiency ratio | 60.8127% | 3,611 |
| Assets per employee ($millions) | 5.5906% | 1,880 |
| Cash dividends to net income (ytd only)* | 41.1523% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8905% | 145 |
| Loan loss allowance to noncurrent loans | 111.3895% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 1.5405% | 717 |
| Noncurrent loans to loans | 2.5949% | 436 |
| Net loans and leases to total assets | 50.4260% | 4,449 |
| Net loans and leases to deposits | 63.4807% | 4,251 |
| Net loans and leases to core deposits | 66.2440% | 4,306 |
| Total domestic deposits to total assets | 79.4351% | 4,141 |
| Equity capital to assets | 9.8302% | 4,110 |
| Core capital (leverage) ratio | 9.4824% | 4,162 |
| Tier 1 risk-based capital ratio | 14.4511% | 3,090 |
| Total risk-based capital ratio | 15.7151% | 3,003 |
| Memoranda: | ||
| Average total assets | $923,511,670 | 847 |
| Average earning assets | $868,432,330 | 831 |
| Average equity | $87,801,000 | 991 |
| Average total loans | $482,761,000 | 1,118 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7076% | 4,835 |
| Cost of funding earning assets | 0.6369% | 3,371 |
| Net interest margin | 3.0707% | 4,637 |
| Noninterest income to average assets | 0.6801% | 1,686 |
| Noninterest expense to average assets | 2.2409% | 4,165 |
| Loan and lease loss provision to assets | 0.4382% | 253 |
| Net operating income to assets | 0.7160% | 3,880 |
| Return on assets (ROA) | 0.7160% | 3,927 |
| Pretax return on assets | 0.8869% | 3,810 |
| Return on Equity (ROE) | 7.6656% | 3,398 |
| Retained earnings to average equity (ytd only) | 3.9126% | 3,342 |
| Net charge-offs to loans | -0.0443% | 4,799 |
| Credit loss provision to net charge-offs | -1,886.7925% | 4,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3249% | 3,484 |
| Assets per employee ($millions) | 5.3425% | 2,132 |
| Cash dividends to net income (ytd only)* | 48.9596% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9049% | 143 |
| Loan loss allowance to noncurrent loans | 116.6190% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 1.5115% | 792 |
| Noncurrent loans to loans | 2.4910% | 528 |
| Net loans and leases to total assets | 50.9775% | 4,410 |
| Net loans and leases to deposits | 62.4651% | 4,276 |
| Net loans and leases to core deposits | 65.1569% | 4,319 |
| Total domestic deposits to total assets | 81.6096% | 3,829 |
| Equity capital to assets | 9.5891% | 4,174 |
| Core capital (leverage) ratio | 9.1479% | 4,525 |
| Tier 1 risk-based capital ratio | 14.3858% | 3,154 |
| Total risk-based capital ratio | 15.6497% | 3,071 |
| Memoranda: | ||
| Average total assets | $912,864,500 | 855 |
| Average earning assets | $857,917,500 | 843 |
| Average equity | $85,263,500 | 1,015 |
| Average total loans | $478,837,000 | 1,127 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6383% | 4,757 |
| Cost of funding earning assets | 0.5497% | 3,048 |
| Net interest margin | 3.0885% | 4,670 |
| Noninterest income to average assets | 0.6907% | 1,883 |
| Noninterest expense to average assets | 2.1278% | 4,503 |
| Loan and lease loss provision to assets | 0.7036% | 145 |
| Net operating income to assets | 0.6240% | 4,350 |
| Return on assets (ROA) | 0.6247% | 4,356 |
| Pretax return on assets | 0.7666% | 4,250 |
| Return on Equity (ROE) | 7.0869% | 3,790 |
| Retained earnings to average equity (ytd only) | 2.8221% | 3,991 |
| Net charge-offs to loans | 0.5756% | 299 |
| Credit loss provision to net charge-offs | 229.5829% | 1,284 |
| Earnings coverage of net charge-offs (x) | 4.7943% | 3,255 |
| Efficiency ratio | 58.6466% | 4,058 |
| Assets per employee ($millions) | 5.3343% | 2,118 |
| Cash dividends to net income (ytd only)* | 60.1788% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6619% | 191 |
| Loan loss allowance to noncurrent loans | 101.8380% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 1.5514% | 746 |
| Noncurrent loans to loans | 2.6138% | 452 |
| Net loans and leases to total assets | 51.0115% | 4,453 |
| Net loans and leases to deposits | 63.1455% | 4,305 |
| Net loans and leases to core deposits | 64.9330% | 4,409 |
| Total domestic deposits to total assets | 80.7840% | 3,936 |
| Equity capital to assets | 9.0938% | 4,493 |
| Core capital (leverage) ratio | 9.0477% | 4,605 |
| Tier 1 risk-based capital ratio | 14.0870% | 3,253 |
| Total risk-based capital ratio | 15.3121% | 3,194 |
| Memoranda: | ||
| Average total assets | $930,954,800 | 818 |
| Average earning assets | $876,043,400 | 807 |
| Average equity | $82,066,600 | 1,003 |
| Average total loans | $495,618,200 | 1,058 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5886% | 4,825 |
| Cost of funding earning assets | 0.5232% | 3,037 |
| Net interest margin | 3.0654% | 4,761 |
| Noninterest income to average assets | 0.7007% | 1,859 |
| Noninterest expense to average assets | 2.1378% | 4,464 |
| Loan and lease loss provision to assets | 0.8598% | 102 |
| Net operating income to assets | 0.4974% | 4,766 |
| Return on assets (ROA) | 0.4985% | 4,769 |
| Pretax return on assets | 0.5905% | 4,749 |
| Return on Equity (ROE) | 5.6987% | 4,358 |
| Retained earnings to average equity (ytd only) | 1.2938% | 4,783 |
| Net charge-offs to loans | 0.1274% | 1,246 |
| Credit loss provision to net charge-offs | 1,263.1027% | 322 |
| Earnings coverage of net charge-offs (x) | 21.2874% | 1,928 |
| Efficiency ratio | 59.0969% | 3,950 |
| Assets per employee ($millions) | 5.7655% | 1,673 |
| Cash dividends to net income (ytd only)* | 77.2974% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9740% | 144 |
| Loan loss allowance to noncurrent loans | 98.8662% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 1.6902% | 729 |
| Noncurrent loans to loans | 3.0081% | 363 |
| Net loans and leases to total assets | 49.0515% | 4,661 |
| Net loans and leases to deposits | 61.0319% | 4,494 |
| Net loans and leases to core deposits | 63.9133% | 4,524 |
| Total domestic deposits to total assets | 80.3703% | 4,026 |
| Equity capital to assets | 8.1661% | 5,100 |
| Core capital (leverage) ratio | 8.3344% | 5,184 |
| Tier 1 risk-based capital ratio | 13.5439% | 3,603 |
| Total risk-based capital ratio | 14.8058% | 3,508 |
| Memoranda: | ||
| Average total assets | $934,318,250 | 811 |
| Average earning assets | $879,692,000 | 803 |
| Average equity | $81,724,250 | 1,007 |
| Average total loans | $499,315,250 | 1,051 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5472% | 4,854 |
| Cost of funding earning assets | 0.4962% | 3,026 |
| Net interest margin | 3.0510% | 4,810 |
| Noninterest income to average assets | 0.7084% | 1,841 |
| Noninterest expense to average assets | 2.1975% | 4,373 |
| Loan and lease loss provision to assets | 0.5538% | 194 |
| Net operating income to assets | 0.6690% | 4,288 |
| Return on assets (ROA) | 0.6706% | 4,286 |
| Pretax return on assets | 0.8302% | 4,161 |
| Return on Equity (ROE) | 7.4913% | 3,728 |
| Retained earnings to average equity (ytd only) | 2.8820% | 4,097 |
| Net charge-offs to loans | 0.1691% | 921 |
| Credit loss provision to net charge-offs | 601.4151% | 615 |
| Earnings coverage of net charge-offs (x) | 15.0094% | 2,067 |
| Efficiency ratio | 60.8748% | 3,784 |
| Assets per employee ($millions) | 5.3147% | 2,088 |
| Cash dividends to net income (ytd only)* | 61.5285% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2167% | 364 |
| Loan loss allowance to noncurrent loans | 143.4649% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.9533% | 1,581 |
| Noncurrent loans to loans | 1.5451% | 1,071 |
| Net loans and leases to total assets | 53.5645% | 4,372 |
| Net loans and leases to deposits | 66.7800% | 4,123 |
| Net loans and leases to core deposits | 69.8018% | 4,156 |
| Total domestic deposits to total assets | 80.2104% | 4,191 |
| Equity capital to assets | 8.7622% | 4,753 |
| Core capital (leverage) ratio | 9.0873% | 4,603 |
| Tier 1 risk-based capital ratio | 13.3510% | 3,705 |
| Total risk-based capital ratio | 14.6081% | 3,623 |
| Memoranda: | ||
| Average total assets | $920,965,670 | 827 |
| Average earning assets | $866,667,330 | 817 |
| Average equity | $82,442,670 | 1,004 |
| Average total loans | $501,555,000 | 1,043 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5701% | 4,766 |
| Cost of funding earning assets | 0.4805% | 2,955 |
| Net interest margin | 3.0895% | 4,721 |
| Noninterest income to average assets | 0.6755% | 1,933 |
| Noninterest expense to average assets | 2.2214% | 4,365 |
| Loan and lease loss provision to assets | 0.1632% | 1,104 |
| Net operating income to assets | 0.9357% | 3,129 |
| Return on assets (ROA) | 0.9388% | 3,130 |
| Pretax return on assets | 1.2021% | 2,740 |
| Return on Equity (ROE) | 10.3766% | 2,242 |
| Retained earnings to average equity (ytd only) | 5.8064% | 2,805 |
| Net charge-offs to loans | 0.0497% | 1,603 |
| Credit loss provision to net charge-offs | 604.8387% | 514 |
| Earnings coverage of net charge-offs (x) | 50.4516% | 941 |
| Efficiency ratio | 61.4917% | 3,874 |
| Assets per employee ($millions) | 5.2344% | 2,213 |
| Cash dividends to net income (ytd only)* | 44.0427% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9148% | 640 |
| Loan loss allowance to noncurrent loans | 110.4399% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 1.0509% | 1,487 |
| Noncurrent loans to loans | 1.7338% | 983 |
| Net loans and leases to total assets | 53.2599% | 4,345 |
| Net loans and leases to deposits | 65.5091% | 4,123 |
| Net loans and leases to core deposits | 68.6329% | 4,180 |
| Total domestic deposits to total assets | 81.3016% | 4,135 |
| Equity capital to assets | 9.0116% | 4,543 |
| Core capital (leverage) ratio | 9.0169% | 4,662 |
| Tier 1 risk-based capital ratio | 13.6530% | 3,572 |
| Total risk-based capital ratio | 14.9069% | 3,477 |
| Memoranda: | ||
| Average total assets | $919,067,000 | 839 |
| Average earning assets | $864,854,000 | 824 |
| Average equity | $83,149,000 | 1,004 |
| Average total loans | $499,045,500 | 1,052 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4795% | 4,812 |
| Cost of funding earning assets | 0.4317% | 2,945 |
| Net interest margin | 3.0478% | 4,795 |
| Noninterest income to average assets | 0.6927% | 1,997 |
| Noninterest expense to average assets | 2.1049% | 4,749 |
| Loan and lease loss provision to assets | 0.2451% | 776 |
| Net operating income to assets | 0.8113% | 3,109 |
| Return on assets (ROA) | 0.8099% | 3,159 |
| Pretax return on assets | 1.2035% | 2,758 |
| Return on Equity (ROE) | 8.8684% | 2,373 |
| Retained earnings to average equity (ytd only) | 4.3364% | 2,551 |
| Net charge-offs to loans | 0.2975% | 876 |
| Credit loss provision to net charge-offs | 149.9001% | 1,788 |
| Earnings coverage of net charge-offs (x) | 8.8728% | 2,856 |
| Efficiency ratio | 58.6833% | 4,448 |
| Assets per employee ($millions) | 5.4220% | 2,023 |
| Cash dividends to net income (ytd only)* | 51.1027% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7977% | 782 |
| Loan loss allowance to noncurrent loans | 112.1888% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.9800% | 1,579 |
| Noncurrent loans to loans | 1.6023% | 1,044 |
| Net loans and leases to total assets | 53.3226% | 4,412 |
| Net loans and leases to deposits | 65.1844% | 4,243 |
| Net loans and leases to core deposits | 66.8806% | 4,370 |
| Total domestic deposits to total assets | 81.8027% | 3,912 |
| Equity capital to assets | 9.0816% | 4,637 |
| Core capital (leverage) ratio | 8.8547% | 4,802 |
| Tier 1 risk-based capital ratio | 13.1751% | 3,807 |
| Total risk-based capital ratio | 14.4246% | 3,725 |
| Memoranda: | ||
| Average total assets | $918,106,200 | 809 |
| Average earning assets | $862,353,000 | 791 |
| Average equity | $83,848,000 | 967 |
| Average total loans | $504,558,600 | 1,018 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4632% | 4,876 |
| Cost of funding earning assets | 0.4241% | 2,939 |
| Net interest margin | 3.0391% | 4,832 |
| Noninterest income to average assets | 0.6928% | 2,032 |
| Noninterest expense to average assets | 2.1459% | 4,642 |
| Loan and lease loss provision to assets | 0.1604% | 1,283 |
| Net operating income to assets | 0.8538% | 3,257 |
| Return on assets (ROA) | 0.8519% | 3,314 |
| Pretax return on assets | 1.2380% | 2,755 |
| Return on Equity (ROE) | 9.3147% | 2,437 |
| Retained earnings to average equity (ytd only) | 4.7713% | 3,038 |
| Net charge-offs to loans | 0.0505% | 2,418 |
| Credit loss provision to net charge-offs | 575.9162% | 557 |
| Earnings coverage of net charge-offs (x) | 50.3142% | 1,110 |
| Efficiency ratio | 59.9762% | 4,219 |
| Assets per employee ($millions) | 5.1378% | 2,291 |
| Cash dividends to net income (ytd only)* | 48.7764% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8458% | 782 |
| Loan loss allowance to noncurrent loans | 110.5634% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 1.0257% | 1,646 |
| Noncurrent loans to loans | 1.6695% | 1,094 |
| Net loans and leases to total assets | 53.5602% | 4,449 |
| Net loans and leases to deposits | 65.3429% | 4,295 |
| Net loans and leases to core deposits | 67.1411% | 4,414 |
| Total domestic deposits to total assets | 81.9679% | 3,788 |
| Equity capital to assets | 9.3706% | 4,574 |
| Core capital (leverage) ratio | 8.8087% | 4,955 |
| Tier 1 risk-based capital ratio | 13.1734% | 3,895 |
| Total risk-based capital ratio | 14.4267% | 3,803 |
| Memoranda: | ||
| Average total assets | $914,485,750 | 816 |
| Average earning assets | $858,834,000 | 797 |
| Average equity | $83,636,500 | 977 |
| Average total loans | $504,102,500 | 1,018 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4205% | 4,937 |
| Cost of funding earning assets | 0.4091% | 2,985 |
| Net interest margin | 3.0114% | 4,883 |
| Noninterest income to average assets | 0.6876% | 2,047 |
| Noninterest expense to average assets | 2.1815% | 4,593 |
| Loan and lease loss provision to assets | 0.1534% | 1,313 |
| Net operating income to assets | 0.8223% | 3,285 |
| Return on assets (ROA) | 0.8226% | 3,341 |
| Pretax return on assets | 1.1819% | 2,842 |
| Return on Equity (ROE) | 9.0688% | 2,478 |
| Retained earnings to average equity (ytd only) | 4.4788% | 3,045 |
| Net charge-offs to loans | 0.0048% | 3,309 |
| Credit loss provision to net charge-offs | 5,833.3333% | 78 |
| Earnings coverage of net charge-offs (x) | 507.6667% | 166 |
| Efficiency ratio | 61.5092% | 4,082 |
| Assets per employee ($millions) | 5.1450% | 2,217 |
| Cash dividends to net income (ytd only)* | 50.6127% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8142% | 860 |
| Loan loss allowance to noncurrent loans | 107.2725% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 1.0066% | 1,742 |
| Noncurrent loans to loans | 1.6912% | 1,077 |
| Net loans and leases to total assets | 52.2613% | 4,549 |
| Net loans and leases to deposits | 63.3969% | 4,408 |
| Net loans and leases to core deposits | 64.7738% | 4,551 |
| Total domestic deposits to total assets | 82.4351% | 3,755 |
| Equity capital to assets | 9.1282% | 4,774 |
| Core capital (leverage) ratio | 8.7505% | 5,005 |
| Tier 1 risk-based capital ratio | 13.0764% | 3,957 |
| Total risk-based capital ratio | 14.3294% | 3,865 |
| Memoranda: | ||
| Average total assets | $912,759,000 | 826 |
| Average earning assets | $857,422,000 | 803 |
| Average equity | $82,789,330 | 988 |
| Average total loans | $504,857,330 | 1,013 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3865% | 4,956 |
| Cost of funding earning assets | 0.4159% | 2,851 |
| Net interest margin | 2.9706% | 4,961 |
| Noninterest income to average assets | 0.6646% | 2,123 |
| Noninterest expense to average assets | 2.2123% | 4,607 |
| Loan and lease loss provision to assets | 0.1554% | 1,170 |
| Net operating income to assets | 0.7654% | 3,400 |
| Return on assets (ROA) | 0.7654% | 3,450 |
| Pretax return on assets | 1.0815% | 3,055 |
| Return on Equity (ROE) | 8.4669% | 2,689 |
| Retained earnings to average equity (ytd only) | 3.8013% | 3,549 |
| Net charge-offs to loans | -0.0197% | 4,738 |
| Credit loss provision to net charge-offs | -1,400.0000% | 4,488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5989% | 3,903 |
| Assets per employee ($millions) | 4.8154% | 2,676 |
| Cash dividends to net income (ytd only)* | 55.1044% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7379% | 1,079 |
| Loan loss allowance to noncurrent loans | 115.8307% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 0.9646% | 1,907 |
| Noncurrent loans to loans | 1.5004% | 1,332 |
| Net loans and leases to total assets | 56.0059% | 4,167 |
| Net loans and leases to deposits | 70.6667% | 3,727 |
| Net loans and leases to core deposits | 79.0094% | 3,390 |
| Total domestic deposits to total assets | 79.2536% | 4,779 |
| Equity capital to assets | 9.3585% | 4,434 |
| Core capital (leverage) ratio | 8.7382% | 5,013 |
| Tier 1 risk-based capital ratio | 12.9426% | 4,113 |
| Total risk-based capital ratio | 14.1952% | 4,009 |
| Memoranda: | ||
| Average total assets | $900,946,500 | 841 |
| Average earning assets | $844,535,000 | 829 |
| Average equity | $81,446,500 | 998 |
| Average total loans | $508,082,000 | 1,002 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4304% | 4,923 |
| Cost of funding earning assets | 0.4324% | 2,688 |
| Net interest margin | 2.9980% | 4,965 |
| Noninterest income to average assets | 0.6745% | 2,294 |
| Noninterest expense to average assets | 2.1829% | 4,815 |
| Loan and lease loss provision to assets | 0.0664% | 3,036 |
| Net operating income to assets | 0.8478% | 3,074 |
| Return on assets (ROA) | 0.8875% | 3,006 |
| Pretax return on assets | 1.3018% | 2,280 |
| Return on Equity (ROE) | 9.6708% | 2,120 |
| Retained earnings to average equity (ytd only) | 5.0875% | 2,294 |
| Net charge-offs to loans | 0.1776% | 1,545 |
| Credit loss provision to net charge-offs | 65.8617% | 3,172 |
| Earnings coverage of net charge-offs (x) | 12.9901% | 2,404 |
| Efficiency ratio | 61.9629% | 4,257 |
| Assets per employee ($millions) | 5.0311% | 2,358 |
| Cash dividends to net income (ytd only)* | 47.3934% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6256% | 1,313 |
| Loan loss allowance to noncurrent loans | 245.9229% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.4644% | 3,400 |
| Noncurrent loans to loans | 0.6610% | 2,874 |
| Net loans and leases to total assets | 54.9104% | 4,356 |
| Net loans and leases to deposits | 69.1343% | 3,994 |
| Net loans and leases to core deposits | 72.2417% | 4,069 |
| Total domestic deposits to total assets | 79.4257% | 4,690 |
| Equity capital to assets | 8.7354% | 5,072 |
| Core capital (leverage) ratio | 8.4270% | 5,340 |
| Tier 1 risk-based capital ratio | 12.5172% | 4,367 |
| Total risk-based capital ratio | 13.7684% | 4,256 |
| Memoranda: | ||
| Average total assets | $903,463,600 | 795 |
| Average earning assets | $849,300,000 | 772 |
| Average equity | $82,909,400 | 962 |
| Average total loans | $512,856,800 | 955 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4266% | 4,963 |
| Cost of funding earning assets | 0.4399% | 2,638 |
| Net interest margin | 2.9867% | 5,038 |
| Noninterest income to average assets | 0.6683% | 2,325 |
| Noninterest expense to average assets | 2.1443% | 4,900 |
| Loan and lease loss provision to assets | 0.0667% | 2,887 |
| Net operating income to assets | 0.8768% | 3,026 |
| Return on assets (ROA) | 0.9268% | 2,902 |
| Pretax return on assets | 1.3414% | 2,268 |
| Return on Equity (ROE) | 9.9762% | 2,062 |
| Retained earnings to average equity (ytd only) | 5.4270% | 2,530 |
| Net charge-offs to loans | 0.1340% | 1,631 |
| Credit loss provision to net charge-offs | 87.3786% | 2,572 |
| Earnings coverage of net charge-offs (x) | 17.4913% | 2,046 |
| Efficiency ratio | 61.0763% | 4,377 |
| Assets per employee ($millions) | 5.1229% | 2,229 |
| Cash dividends to net income (ytd only)* | 45.6000% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6952% | 1,233 |
| Loan loss allowance to noncurrent loans | 262.6260% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.4646% | 3,573 |
| Noncurrent loans to loans | 0.6455% | 3,087 |
| Net loans and leases to total assets | 52.9137% | 4,580 |
| Net loans and leases to deposits | 66.5808% | 4,295 |
| Net loans and leases to core deposits | 69.3470% | 4,375 |
| Total domestic deposits to total assets | 79.4728% | 4,623 |
| Equity capital to assets | 9.1303% | 5,042 |
| Core capital (leverage) ratio | 8.5027% | 5,358 |
| Tier 1 risk-based capital ratio | 12.5301% | 4,455 |
| Total risk-based capital ratio | 13.7822% | 4,357 |
| Memoranda: | ||
| Average total assets | $899,158,750 | 801 |
| Average earning assets | $846,494,000 | 776 |
| Average equity | $83,530,500 | 963 |
| Average total loans | $512,594,750 | 960 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4692% | 4,943 |
| Cost of funding earning assets | 0.4436% | 2,625 |
| Net interest margin | 3.0256% | 5,029 |
| Noninterest income to average assets | 0.6610% | 2,324 |
| Noninterest expense to average assets | 2.1698% | 4,912 |
| Loan and lease loss provision to assets | 0.0678% | 2,784 |
| Net operating income to assets | 0.8851% | 2,935 |
| Return on assets (ROA) | 0.9622% | 2,712 |
| Pretax return on assets | 1.3813% | 2,094 |
| Return on Equity (ROE) | 10.2943% | 1,926 |
| Retained earnings to average equity (ytd only) | 5.6986% | 2,298 |
| Net charge-offs to loans | 0.0175% | 3,158 |
| Credit loss provision to net charge-offs | 666.6667% | 518 |
| Earnings coverage of net charge-offs (x) | 131.6222% | 456 |
| Efficiency ratio | 61.2912% | 4,463 |
| Assets per employee ($millions) | 4.5823% | 2,894 |
| Cash dividends to net income (ytd only)* | 44.6429% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7254% | 1,222 |
| Loan loss allowance to noncurrent loans | 169.0995% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.6859% | 2,931 |
| Noncurrent loans to loans | 1.0204% | 2,248 |
| Net loans and leases to total assets | 58.0483% | 4,108 |
| Net loans and leases to deposits | 74.4333% | 3,537 |
| Net loans and leases to core deposits | 78.0750% | 3,636 |
| Total domestic deposits to total assets | 77.9870% | 5,006 |
| Equity capital to assets | 9.7548% | 4,507 |
| Core capital (leverage) ratio | 8.7012% | 5,172 |
| Tier 1 risk-based capital ratio | 12.4081% | 4,590 |
| Total risk-based capital ratio | 13.6608% | 4,503 |
| Memoranda: | ||
| Average total assets | $884,676,670 | 818 |
| Average earning assets | $832,697,670 | 793 |
| Average equity | $82,686,330 | 965 |
| Average total loans | $514,337,000 | 952 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4458% | 5,013 |
| Cost of funding earning assets | 0.4457% | 2,629 |
| Net interest margin | 3.0001% | 5,119 |
| Noninterest income to average assets | 0.6346% | 2,347 |
| Noninterest expense to average assets | 2.1731% | 4,968 |
| Loan and lease loss provision to assets | 0.0675% | 2,609 |
| Net operating income to assets | 0.8564% | 2,964 |
| Return on assets (ROA) | 0.8568% | 3,080 |
| Pretax return on assets | 1.2188% | 2,624 |
| Return on Equity (ROE) | 9.3680% | 2,257 |
| Retained earnings to average equity (ytd only) | 4.6963% | 3,123 |
| Net charge-offs to loans | 0.0055% | 2,924 |
| Credit loss provision to net charge-offs | 2,142.8571% | 196 |
| Earnings coverage of net charge-offs (x) | 408.4286% | 148 |
| Efficiency ratio | 62.2806% | 4,409 |
| Assets per employee ($millions) | 4.7905% | 2,606 |
| Cash dividends to net income (ytd only)* | 49.8688% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7137% | 1,325 |
| Loan loss allowance to noncurrent loans | 274.3925% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.4476% | 3,800 |
| Noncurrent loans to loans | 0.6245% | 3,303 |
| Net loans and leases to total assets | 57.3124% | 4,114 |
| Net loans and leases to deposits | 73.1816% | 3,528 |
| Net loans and leases to core deposits | 76.5760% | 3,627 |
| Total domestic deposits to total assets | 78.3153% | 5,085 |
| Equity capital to assets | 9.3815% | 4,793 |
| Core capital (leverage) ratio | 8.5584% | 5,337 |
| Tier 1 risk-based capital ratio | 11.7495% | 5,082 |
| Total risk-based capital ratio | 13.0014% | 4,990 |
| Memoranda: | ||
| Average total assets | $889,401,500 | 818 |
| Average earning assets | $837,299,500 | 792 |
| Average equity | $81,341,000 | 980 |
| Average total loans | $513,018,500 | 952 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4646% | 5,015 |
| Cost of funding earning assets | 0.4622% | 2,516 |
| Net interest margin | 3.0024% | 5,134 |
| Noninterest income to average assets | 0.7005% | 2,199 |
| Noninterest expense to average assets | 2.2235% | 4,996 |
| Loan and lease loss provision to assets | 0.0783% | 2,718 |
| Net operating income to assets | 0.8527% | 3,100 |
| Return on assets (ROA) | 0.9242% | 2,827 |
| Pretax return on assets | 1.3162% | 2,220 |
| Return on Equity (ROE) | 10.1901% | 1,935 |
| Retained earnings to average equity (ytd only) | 5.5832% | 2,026 |
| Net charge-offs to loans | 0.0382% | 3,459 |
| Credit loss provision to net charge-offs | 360.9626% | 823 |
| Earnings coverage of net charge-offs (x) | 59.5401% | 873 |
| Efficiency ratio | 62.6127% | 4,511 |
| Assets per employee ($millions) | 4.9305% | 2,441 |
| Cash dividends to net income (ytd only)* | 45.2091% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6922% | 1,368 |
| Loan loss allowance to noncurrent loans | 288.5448% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.4191% | 3,922 |
| Noncurrent loans to loans | 0.5865% | 3,413 |
| Net loans and leases to total assets | 56.0965% | 4,293 |
| Net loans and leases to deposits | 69.1094% | 4,019 |
| Net loans and leases to core deposits | 72.1165% | 4,123 |
| Total domestic deposits to total assets | 81.1707% | 4,436 |
| Equity capital to assets | 8.9139% | 5,206 |
| Core capital (leverage) ratio | 8.3793% | 5,545 |
| Tier 1 risk-based capital ratio | 11.6171% | 5,181 |
| Total risk-based capital ratio | 12.8687% | 5,089 |
| Memoranda: | ||
| Average total assets | $861,579,400 | 801 |
| Average earning assets | $807,891,000 | 776 |
| Average equity | $78,144,800 | 974 |
| Average total loans | $489,666,800 | 956 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4645% | 5,070 |
| Cost of funding earning assets | 0.4657% | 2,528 |
| Net interest margin | 2.9989% | 5,192 |
| Noninterest income to average assets | 0.7095% | 2,190 |
| Noninterest expense to average assets | 2.2042% | 5,043 |
| Loan and lease loss provision to assets | 0.0821% | 2,531 |
| Net operating income to assets | 0.8636% | 3,119 |
| Return on assets (ROA) | 0.9529% | 2,794 |
| Pretax return on assets | 1.3603% | 2,178 |
| Return on Equity (ROE) | 10.4592% | 1,916 |
| Retained earnings to average equity (ytd only) | 5.9110% | 2,302 |
| Net charge-offs to loans | 0.0358% | 3,193 |
| Credit loss provision to net charge-offs | 403.8462% | 753 |
| Earnings coverage of net charge-offs (x) | 64.6766% | 866 |
| Efficiency ratio | 61.9845% | 4,574 |
| Assets per employee ($millions) | 4.8229% | 2,527 |
| Cash dividends to net income (ytd only)* | 43.4855% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7181% | 1,432 |
| Loan loss allowance to noncurrent loans | 210.1495% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.5540% | 3,644 |
| Noncurrent loans to loans | 0.8175% | 2,924 |
| Net loans and leases to total assets | 55.8650% | 4,370 |
| Net loans and leases to deposits | 69.0567% | 4,087 |
| Net loans and leases to core deposits | 72.0163% | 4,191 |
| Total domestic deposits to total assets | 80.8972% | 4,500 |
| Equity capital to assets | 9.0459% | 5,268 |
| Core capital (leverage) ratio | 8.3901% | 5,636 |
| Tier 1 risk-based capital ratio | 11.7148% | 5,259 |
| Total risk-based capital ratio | 12.9666% | 5,176 |
| Memoranda: | ||
| Average total assets | $852,635,500 | 812 |
| Average earning assets | $798,819,000 | 790 |
| Average equity | $77,683,750 | 985 |
| Average total loans | $484,071,000 | 969 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4422% | 5,132 |
| Cost of funding earning assets | 0.4619% | 2,588 |
| Net interest margin | 2.9802% | 5,269 |
| Noninterest income to average assets | 0.7202% | 2,132 |
| Noninterest expense to average assets | 2.2166% | 5,064 |
| Loan and lease loss provision to assets | 0.0888% | 2,332 |
| Net operating income to assets | 0.8365% | 3,187 |
| Return on assets (ROA) | 0.9549% | 2,722 |
| Pretax return on assets | 1.3730% | 2,092 |
| Return on Equity (ROE) | 10.4551% | 1,863 |
| Retained earnings to average equity (ytd only) | 6.0458% | 2,219 |
| Net charge-offs to loans | 0.0376% | 2,931 |
| Credit loss provision to net charge-offs | 416.6667% | 722 |
| Earnings coverage of net charge-offs (x) | 60.6333% | 836 |
| Efficiency ratio | 62.5017% | 4,594 |
| Assets per employee ($millions) | 4.6024% | 2,825 |
| Cash dividends to net income (ytd only)* | 42.1732% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7446% | 1,507 |
| Loan loss allowance to noncurrent loans | 216.0878% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.5351% | 3,833 |
| Noncurrent loans to loans | 0.8074% | 3,098 |
| Net loans and leases to total assets | 55.9737% | 4,338 |
| Net loans and leases to deposits | 69.3401% | 4,002 |
| Net loans and leases to core deposits | 72.3646% | 4,100 |
| Total domestic deposits to total assets | 80.7234% | 4,686 |
| Equity capital to assets | 9.1269% | 5,114 |
| Core capital (leverage) ratio | 8.2385% | 5,754 |
| Tier 1 risk-based capital ratio | 11.7323% | 5,318 |
| Total risk-based capital ratio | 12.9841% | 5,233 |
| Memoranda: | ||
| Average total assets | $844,259,670 | 825 |
| Average earning assets | $790,141,670 | 802 |
| Average equity | $77,111,000 | 997 |
| Average total loans | $479,116,670 | 976 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4444% | 5,102 |
| Cost of funding earning assets | 0.4571% | 2,705 |
| Net interest margin | 2.9873% | 5,250 |
| Noninterest income to average assets | 0.6952% | 2,179 |
| Noninterest expense to average assets | 2.2139% | 5,111 |
| Loan and lease loss provision to assets | 0.1071% | 1,921 |
| Net operating income to assets | 0.8222% | 3,143 |
| Return on assets (ROA) | 0.8879% | 2,927 |
| Pretax return on assets | 1.2633% | 2,410 |
| Return on Equity (ROE) | 9.7173% | 2,126 |
| Retained earnings to average equity (ytd only) | 5.2909% | 2,894 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7590% | 4,662 |
| Assets per employee ($millions) | 4.6517% | 2,833 |
| Cash dividends to net income (ytd only)* | 45.5520% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7626% | 1,579 |
| Loan loss allowance to noncurrent loans | 209.4217% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.5558% | 3,818 |
| Noncurrent loans to loans | 0.8416% | 3,144 |
| Net loans and leases to total assets | 55.3135% | 4,283 |
| Net loans and leases to deposits | 68.1853% | 3,933 |
| Net loans and leases to core deposits | 71.2045% | 4,040 |
| Total domestic deposits to total assets | 81.1223% | 4,796 |
| Equity capital to assets | 9.1935% | 5,095 |
| Core capital (leverage) ratio | 8.4436% | 5,580 |
| Tier 1 risk-based capital ratio | 12.0034% | 5,233 |
| Total risk-based capital ratio | 13.2545% | 5,131 |
| Memoranda: | ||
| Average total assets | $840,671,500 | 832 |
| Average earning assets | $786,665,000 | 811 |
| Average equity | $76,811,500 | 995 |
| Average total loans | $476,154,000 | 977 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5300% | 5,249 |
| Cost of funding earning assets | 0.5033% | 2,643 |
| Net interest margin | 3.0268% | 5,387 |
| Noninterest income to average assets | 0.7237% | 2,197 |
| Noninterest expense to average assets | 2.2279% | 5,285 |
| Loan and lease loss provision to assets | 0.1434% | 1,850 |
| Net operating income to assets | 0.8445% | 3,144 |
| Return on assets (ROA) | 0.8449% | 3,238 |
| Pretax return on assets | 1.1752% | 2,759 |
| Return on Equity (ROE) | 9.5352% | 2,323 |
| Retained earnings to average equity (ytd only) | 5.3847% | 2,344 |
| Net charge-offs to loans | 0.0540% | 3,752 |
| Credit loss provision to net charge-offs | 479.5082% | 545 |
| Earnings coverage of net charge-offs (x) | 44.0656% | 1,013 |
| Efficiency ratio | 62.1538% | 4,889 |
| Assets per employee ($millions) | 4.5614% | 2,939 |
| Cash dividends to net income (ytd only)* | 43.5287% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7192% | 1,728 |
| Loan loss allowance to noncurrent loans | 205.1430% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.5651% | 3,911 |
| Noncurrent loans to loans | 0.8381% | 3,216 |
| Net loans and leases to total assets | 55.9987% | 4,333 |
| Net loans and leases to deposits | 69.0986% | 4,021 |
| Net loans and leases to core deposits | 72.2784% | 4,095 |
| Total domestic deposits to total assets | 81.0417% | 4,734 |
| Equity capital to assets | 9.0796% | 5,204 |
| Core capital (leverage) ratio | 8.1927% | 5,857 |
| Tier 1 risk-based capital ratio | 11.7474% | 5,516 |
| Total risk-based capital ratio | 12.9995% | 5,427 |
| Memoranda: | ||
| Average total assets | $815,718,600 | 828 |
| Average earning assets | $760,616,000 | 804 |
| Average equity | $72,279,400 | 1,015 |
| Average total loans | $451,835,600 | 977 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5101% | 5,375 |
| Cost of funding earning assets | 0.5106% | 2,652 |
| Net interest margin | 2.9995% | 5,506 |
| Noninterest income to average assets | 0.7303% | 2,185 |
| Noninterest expense to average assets | 2.1571% | 5,441 |
| Loan and lease loss provision to assets | 0.1480% | 1,693 |
| Net operating income to assets | 0.8653% | 3,101 |
| Return on assets (ROA) | 0.8656% | 3,184 |
| Pretax return on assets | 1.2207% | 2,701 |
| Return on Equity (ROE) | 9.8315% | 2,297 |
| Retained earnings to average equity (ytd only) | 5.6300% | 2,648 |
| Net charge-offs to loans | 0.0446% | 3,601 |
| Credit loss provision to net charge-offs | 604.0268% | 492 |
| Earnings coverage of net charge-offs (x) | 55.8528% | 913 |
| Efficiency ratio | 60.5028% | 5,121 |
| Assets per employee ($millions) | 4.6268% | 2,772 |
| Cash dividends to net income (ytd only)* | 42.7351% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7416% | 1,849 |
| Loan loss allowance to noncurrent loans | 227.2005% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.5285% | 4,289 |
| Noncurrent loans to loans | 0.7666% | 3,670 |
| Net loans and leases to total assets | 53.9077% | 4,586 |
| Net loans and leases to deposits | 66.0767% | 4,320 |
| Net loans and leases to core deposits | 69.3946% | 4,380 |
| Total domestic deposits to total assets | 81.5835% | 4,632 |
| Equity capital to assets | 8.8039% | 5,548 |
| Core capital (leverage) ratio | 7.9764% | 6,082 |
| Tier 1 risk-based capital ratio | 11.8161% | 5,601 |
| Total risk-based capital ratio | 13.0681% | 5,520 |
| Memoranda: | ||
| Average total assets | $810,963,000 | 838 |
| Average earning assets | $755,662,250 | 809 |
| Average equity | $71,401,500 | 1,029 |
| Average total loans | $445,889,250 | 995 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4698% | 5,480 |
| Cost of funding earning assets | 0.5114% | 2,715 |
| Net interest margin | 2.9584% | 5,614 |
| Noninterest income to average assets | 0.7131% | 2,219 |
| Noninterest expense to average assets | 2.1488% | 5,521 |
| Loan and lease loss provision to assets | 0.1571% | 1,577 |
| Net operating income to assets | 0.8334% | 3,161 |
| Return on assets (ROA) | 0.8305% | 3,269 |
| Pretax return on assets | 1.1582% | 2,840 |
| Return on Equity (ROE) | 9.4328% | 2,403 |
| Retained earnings to average equity (ytd only) | 5.1851% | 2,841 |
| Net charge-offs to loans | 0.0467% | 3,314 |
| Credit loss provision to net charge-offs | 611.6505% | 487 |
| Earnings coverage of net charge-offs (x) | 51.3689% | 897 |
| Efficiency ratio | 61.2553% | 5,109 |
| Assets per employee ($millions) | 4.6674% | 2,670 |
| Cash dividends to net income (ytd only)* | 45.0315% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7476% | 1,983 |
| Loan loss allowance to noncurrent loans | 152.7494% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.6731% | 3,975 |
| Noncurrent loans to loans | 1.1441% | 2,940 |
| Net loans and leases to total assets | 51.7633% | 4,765 |
| Net loans and leases to deposits | 63.4331% | 4,553 |
| Net loans and leases to core deposits | 66.7647% | 4,572 |
| Total domestic deposits to total assets | 81.6030% | 4,782 |
| Equity capital to assets | 8.6188% | 5,697 |
| Core capital (leverage) ratio | 8.2844% | 5,862 |
| Tier 1 risk-based capital ratio | 11.9388% | 5,574 |
| Total risk-based capital ratio | 13.1908% | 5,500 |
| Memoranda: | ||
| Average total assets | $802,134,000 | 849 |
| Average earning assets | $746,969,000 | 824 |
| Average equity | $70,626,000 | 1,034 |
| Average total loans | $441,368,330 | 1,001 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4540% | 5,529 |
| Cost of funding earning assets | 0.5298% | 2,608 |
| Net interest margin | 2.9242% | 5,698 |
| Noninterest income to average assets | 0.7070% | 2,143 |
| Noninterest expense to average assets | 2.2044% | 5,452 |
| Loan and lease loss provision to assets | 0.1844% | 1,297 |
| Net operating income to assets | 0.7701% | 3,308 |
| Return on assets (ROA) | 0.7633% | 3,424 |
| Pretax return on assets | 1.0261% | 3,226 |
| Return on Equity (ROE) | 8.5714% | 2,660 |
| Retained earnings to average equity (ytd only) | 4.2569% | 3,573 |
| Net charge-offs to loans | 0.0573% | 2,584 |
| Credit loss provision to net charge-offs | 571.4286% | 492 |
| Earnings coverage of net charge-offs (x) | 37.7937% | 913 |
| Efficiency ratio | 63.6445% | 4,915 |
| Assets per employee ($millions) | 4.5057% | 2,968 |
| Cash dividends to net income (ytd only)* | 50.3356% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7294% | 2,250 |
| Loan loss allowance to noncurrent loans | 79.2275% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 1.3277% | 2,661 |
| Noncurrent loans to loans | 2.1829% | 1,670 |
| Net loans and leases to total assets | 54.0853% | 4,403 |
| Net loans and leases to deposits | 65.7411% | 4,127 |
| Net loans and leases to core deposits | 69.6512% | 4,137 |
| Total domestic deposits to total assets | 82.2702% | 4,867 |
| Equity capital to assets | 8.8850% | 5,242 |
| Core capital (leverage) ratio | 8.4203% | 5,726 |
| Tier 1 risk-based capital ratio | 11.9636% | 5,667 |
| Total risk-based capital ratio | 13.2153% | 5,598 |
| Memoranda: | ||
| Average total assets | $780,802,500 | 871 |
| Average earning assets | $725,531,500 | 854 |
| Average equity | $69,533,500 | 1,048 |
| Average total loans | $439,516,000 | 1,007 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4471% | 5,741 |
| Cost of funding earning assets | 0.6225% | 2,456 |
| Net interest margin | 2.8246% | 5,939 |
| Noninterest income to average assets | 0.7459% | 2,306 |
| Noninterest expense to average assets | 2.2316% | 5,551 |
| Loan and lease loss provision to assets | 0.1838% | 2,003 |
| Net operating income to assets | 0.7081% | 3,759 |
| Return on assets (ROA) | 0.7678% | 3,551 |
| Pretax return on assets | 1.0386% | 3,197 |
| Return on Equity (ROE) | 8.8106% | 2,637 |
| Retained earnings to average equity (ytd only) | 4.4170% | 3,028 |
| Net charge-offs to loans | 0.1099% | 3,729 |
| Credit loss provision to net charge-offs | 308.3512% | 743 |
| Earnings coverage of net charge-offs (x) | 19.1563% | 1,620 |
| Efficiency ratio | 65.5002% | 4,649 |
| Assets per employee ($millions) | 4.3671% | 3,148 |
| Cash dividends to net income (ytd only)* | 49.8670% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6383% | 2,616 |
| Loan loss allowance to noncurrent loans | 84.2062% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 1.1885% | 3,025 |
| Noncurrent loans to loans | 1.9456% | 2,051 |
| Net loans and leases to total assets | 56.6398% | 4,234 |
| Net loans and leases to deposits | 68.5869% | 3,963 |
| Net loans and leases to core deposits | 73.6696% | 3,872 |
| Total domestic deposits to total assets | 82.5811% | 4,686 |
| Equity capital to assets | 8.9265% | 5,121 |
| Core capital (leverage) ratio | 8.0843% | 6,072 |
| Tier 1 risk-based capital ratio | 11.6595% | 5,820 |
| Total risk-based capital ratio | 12.9104% | 5,756 |
| Memoranda: | ||
| Average total assets | $783,564,800 | 855 |
| Average earning assets | $728,840,200 | 837 |
| Average equity | $68,281,200 | 1,046 |
| Average total loans | $424,845,400 | 1,007 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3627% | 5,956 |
| Cost of funding earning assets | 0.6279% | 2,568 |
| Net interest margin | 2.7347% | 6,112 |
| Noninterest income to average assets | 0.7628% | 2,306 |
| Noninterest expense to average assets | 2.2104% | 5,581 |
| Loan and lease loss provision to assets | 0.1829% | 1,989 |
| Net operating income to assets | 0.6758% | 3,979 |
| Return on assets (ROA) | 0.7550% | 3,706 |
| Pretax return on assets | 1.0212% | 3,415 |
| Return on Equity (ROE) | 8.7154% | 2,782 |
| Retained earnings to average equity (ytd only) | 4.3167% | 3,607 |
| Net charge-offs to loans | 0.1151% | 3,395 |
| Credit loss provision to net charge-offs | 297.5207% | 859 |
| Earnings coverage of net charge-offs (x) | 17.8457% | 1,710 |
| Efficiency ratio | 66.1956% | 4,445 |
| Assets per employee ($millions) | 4.4463% | 2,968 |
| Cash dividends to net income (ytd only)* | 50.4712% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5945% | 3,021 |
| Loan loss allowance to noncurrent loans | 59.0495% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 1.5874% | 2,558 |
| Noncurrent loans to loans | 2.7002% | 1,565 |
| Net loans and leases to total assets | 55.4822% | 4,395 |
| Net loans and leases to deposits | 66.7965% | 4,203 |
| Net loans and leases to core deposits | 71.7269% | 4,125 |
| Total domestic deposits to total assets | 83.0616% | 4,552 |
| Equity capital to assets | 8.6552% | 5,560 |
| Core capital (leverage) ratio | 8.1151% | 6,140 |
| Tier 1 risk-based capital ratio | 11.5634% | 6,025 |
| Total risk-based capital ratio | 12.8137% | 5,994 |
| Memoranda: | ||
| Average total assets | $787,305,500 | 852 |
| Average earning assets | $732,578,250 | 834 |
| Average equity | $68,199,250 | 1,054 |
| Average total loans | $420,410,250 | 1,018 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2804% | 6,116 |
| Cost of funding earning assets | 0.6289% | 2,692 |
| Net interest margin | 2.6515% | 6,266 |
| Noninterest income to average assets | 0.7700% | 2,325 |
| Noninterest expense to average assets | 2.1504% | 5,745 |
| Loan and lease loss provision to assets | 0.1822% | 2,087 |
| Net operating income to assets | 0.6702% | 3,960 |
| Return on assets (ROA) | 0.7887% | 3,518 |
| Pretax return on assets | 1.0696% | 3,221 |
| Return on Equity (ROE) | 9.1029% | 2,566 |
| Retained earnings to average equity (ytd only) | 4.7223% | 3,248 |
| Net charge-offs to loans | 0.1472% | 2,927 |
| Credit loss provision to net charge-offs | 236.0656% | 1,057 |
| Earnings coverage of net charge-offs (x) | 14.1443% | 1,847 |
| Efficiency ratio | 65.7821% | 4,587 |
| Assets per employee ($millions) | 4.4879% | 2,830 |
| Cash dividends to net income (ytd only)* | 48.1232% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5716% | 3,260 |
| Loan loss allowance to noncurrent loans | 70.7356% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 1.2691% | 3,223 |
| Noncurrent loans to loans | 2.2218% | 2,145 |
| Net loans and leases to total assets | 53.3715% | 4,684 |
| Net loans and leases to deposits | 64.0413% | 4,497 |
| Net loans and leases to core deposits | 68.7834% | 4,420 |
| Total domestic deposits to total assets | 83.3393% | 4,574 |
| Equity capital to assets | 8.5550% | 5,713 |
| Core capital (leverage) ratio | 8.0387% | 6,157 |
| Tier 1 risk-based capital ratio | 11.7659% | 5,944 |
| Total risk-based capital ratio | 13.0160% | 5,898 |
| Memoranda: | ||
| Average total assets | $790,371,670 | 849 |
| Average earning assets | $736,864,330 | 828 |
| Average equity | $68,483,330 | 1,056 |
| Average total loans | $414,311,670 | 1,027 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2940% | 6,161 |
| Cost of funding earning assets | 0.6426% | 2,723 |
| Net interest margin | 2.6514% | 6,295 |
| Noninterest income to average assets | 0.7673% | 2,262 |
| Noninterest expense to average assets | 2.2127% | 5,650 |
| Loan and lease loss provision to assets | 0.1816% | 2,040 |
| Net operating income to assets | 0.6336% | 4,062 |
| Return on assets (ROA) | 0.6336% | 4,217 |
| Pretax return on assets | 0.8460% | 3,971 |
| Return on Equity (ROE) | 7.2674% | 3,344 |
| Retained earnings to average equity (ytd only) | 2.9278% | 4,522 |
| Net charge-offs to loans | 0.1038% | 2,830 |
| Credit loss provision to net charge-offs | 339.6226% | 721 |
| Earnings coverage of net charge-offs (x) | 19.2170% | 1,231 |
| Efficiency ratio | 67.7409% | 4,360 |
| Assets per employee ($millions) | 4.6158% | 2,780 |
| Cash dividends to net income (ytd only)* | 59.7134% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5941% | 3,420 |
| Loan loss allowance to noncurrent loans | 142.0618% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.6137% | 4,853 |
| Noncurrent loans to loans | 1.1221% | 3,908 |
| Net loans and leases to total assets | 51.0882% | 4,827 |
| Net loans and leases to deposits | 62.0754% | 4,536 |
| Net loans and leases to core deposits | 67.2036% | 4,394 |
| Total domestic deposits to total assets | 82.3002% | 5,091 |
| Equity capital to assets | 8.7736% | 5,732 |
| Core capital (leverage) ratio | 7.9760% | 6,168 |
| Tier 1 risk-based capital ratio | 11.9039% | 5,974 |
| Total risk-based capital ratio | 13.1540% | 5,941 |
| Memoranda: | ||
| Average total assets | $792,867,000 | 848 |
| Average earning assets | $739,532,000 | 827 |
| Average equity | $69,130,500 | 1,052 |
| Average total loans | $408,536,000 | 1,042 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6566% | 6,124 |
| Cost of funding earning assets | 0.7941% | 2,714 |
| Net interest margin | 2.8626% | 6,294 |
| Noninterest income to average assets | 0.8004% | 2,261 |
| Noninterest expense to average assets | 2.0742% | 6,180 |
| Loan and lease loss provision to assets | 0.1869% | 3,302 |
| Net operating income to assets | 0.8447% | 3,069 |
| Return on assets (ROA) | 0.8936% | 3,084 |
| Pretax return on assets | 1.2612% | 2,562 |
| Return on Equity (ROE) | 10.2553% | 2,070 |
| Retained earnings to average equity (ytd only) | 6.6805% | 1,729 |
| Net charge-offs to loans | 0.0893% | 4,782 |
| Credit loss provision to net charge-offs | 412.6074% | 584 |
| Earnings coverage of net charge-offs (x) | 30.4470% | 1,004 |
| Efficiency ratio | 59.9278% | 5,553 |
| Assets per employee ($millions) | 4.7978% | 2,499 |
| Cash dividends to net income (ytd only)* | 34.8584% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5414% | 3,565 |
| Loan loss allowance to noncurrent loans | 134.7789% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.6033% | 4,966 |
| Noncurrent loans to loans | 1.1436% | 3,937 |
| Net loans and leases to total assets | 50.3523% | 5,119 |
| Net loans and leases to deposits | 59.9502% | 5,028 |
| Net loans and leases to core deposits | 66.0831% | 4,730 |
| Total domestic deposits to total assets | 83.9903% | 4,318 |
| Equity capital to assets | 8.6650% | 5,886 |
| Core capital (leverage) ratio | 7.6787% | 6,418 |
| Tier 1 risk-based capital ratio | 11.8314% | 5,888 |
| Total risk-based capital ratio | 13.0467% | 5,876 |
| Memoranda: | ||
| Average total assets | $770,472,200 | 866 |
| Average earning assets | $714,044,600 | 838 |
| Average equity | $67,135,800 | 1,048 |
| Average total loans | $390,599,000 | 1,073 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7333% | 6,161 |
| Cost of funding earning assets | 0.8098% | 2,864 |
| Net interest margin | 2.9235% | 6,313 |
| Noninterest income to average assets | 0.8073% | 2,209 |
| Noninterest expense to average assets | 2.0909% | 6,184 |
| Loan and lease loss provision to assets | 0.1885% | 3,234 |
| Net operating income to assets | 0.8686% | 3,138 |
| Return on assets (ROA) | 0.9333% | 3,046 |
| Pretax return on assets | 1.3284% | 2,499 |
| Return on Equity (ROE) | 10.6957% | 2,064 |
| Retained earnings to average equity (ytd only) | 7.0958% | 2,068 |
| Net charge-offs to loans | 0.1032% | 4,361 |
| Credit loss provision to net charge-offs | 361.2040% | 741 |
| Earnings coverage of net charge-offs (x) | 27.2974% | 1,189 |
| Efficiency ratio | 59.3804% | 5,600 |
| Assets per employee ($millions) | 4.9678% | 2,229 |
| Cash dividends to net income (ytd only)* | 33.6574% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5232% | 3,847 |
| Loan loss allowance to noncurrent loans | 117.8050% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.6394% | 5,073 |
| Noncurrent loans to loans | 1.2930% | 3,881 |
| Net loans and leases to total assets | 47.0722% | 5,650 |
| Net loans and leases to deposits | 56.2296% | 5,616 |
| Net loans and leases to core deposits | 61.4888% | 5,407 |
| Total domestic deposits to total assets | 83.7142% | 4,351 |
| Equity capital to assets | 8.4199% | 6,331 |
| Core capital (leverage) ratio | 7.7432% | 6,499 |
| Tier 1 risk-based capital ratio | 12.1708% | 5,846 |
| Total risk-based capital ratio | 13.3597% | 5,858 |
| Memoranda: | ||
| Average total assets | $763,981,250 | 879 |
| Average earning assets | $707,669,250 | 858 |
| Average equity | $66,667,000 | 1,059 |
| Average total loans | $386,423,250 | 1,091 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8741% | 5,974 |
| Cost of funding earning assets | 0.8360% | 2,900 |
| Net interest margin | 3.0381% | 6,152 |
| Noninterest income to average assets | 0.7904% | 2,230 |
| Noninterest expense to average assets | 2.1100% | 6,213 |
| Loan and lease loss provision to assets | 0.1932% | 3,156 |
| Net operating income to assets | 0.8995% | 2,911 |
| Return on assets (ROA) | 0.9986% | 2,694 |
| Pretax return on assets | 1.4314% | 2,082 |
| Return on Equity (ROE) | 11.2987% | 1,880 |
| Retained earnings to average equity (ytd only) | 7.6559% | 1,781 |
| Net charge-offs to loans | 0.0598% | 4,584 |
| Credit loss provision to net charge-offs | 626.0870% | 502 |
| Earnings coverage of net charge-offs (x) | 48.0609% | 754 |
| Efficiency ratio | 58.6289% | 5,784 |
| Assets per employee ($millions) | 4.7092% | 2,555 |
| Cash dividends to net income (ytd only)* | 32.2407% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4580% | 4,217 |
| Loan loss allowance to noncurrent loans | 107.3388% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.6932% | 5,048 |
| Noncurrent loans to loans | 1.3583% | 3,891 |
| Net loans and leases to total assets | 49.4814% | 5,424 |
| Net loans and leases to deposits | 58.9331% | 5,353 |
| Net loans and leases to core deposits | 64.5620% | 5,150 |
| Total domestic deposits to total assets | 83.9621% | 4,331 |
| Equity capital to assets | 8.4623% | 6,250 |
| Core capital (leverage) ratio | 8.1572% | 6,088 |
| Tier 1 risk-based capital ratio | 11.8860% | 6,002 |
| Total risk-based capital ratio | 13.0324% | 6,051 |
| Memoranda: | ||
| Average total assets | $745,412,330 | 900 |
| Average earning assets | $687,600,330 | 884 |
| Average equity | $65,883,670 | 1,068 |
| Average total loans | $384,626,670 | 1,101 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9795% | 5,830 |
| Cost of funding earning assets | 0.8750% | 2,872 |
| Net interest margin | 3.1045% | 6,023 |
| Noninterest income to average assets | 0.7883% | 2,219 |
| Noninterest expense to average assets | 2.2493% | 5,900 |
| Loan and lease loss provision to assets | 0.1993% | 2,944 |
| Net operating income to assets | 0.8463% | 3,182 |
| Return on assets (ROA) | 1.0480% | 2,483 |
| Pretax return on assets | 1.5135% | 1,838 |
| Return on Equity (ROE) | 11.5867% | 1,813 |
| Retained earnings to average equity (ytd only) | 7.9142% | 2,019 |
| Net charge-offs to loans | -0.0233% | 6,232 |
| Credit loss provision to net charge-offs | -1,636.3636% | 6,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1857% | 5,426 |
| Assets per employee ($millions) | 4.5150% | 2,965 |
| Cash dividends to net income (ytd only)* | 31.6957% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4625% | 4,327 |
| Loan loss allowance to noncurrent loans | 101.2177% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.7844% | 4,981 |
| Noncurrent loans to loans | 1.4450% | 3,945 |
| Net loans and leases to total assets | 51.2975% | 5,106 |
| Net loans and leases to deposits | 61.7039% | 4,961 |
| Net loans and leases to core deposits | 67.3457% | 4,753 |
| Total domestic deposits to total assets | 83.1349% | 4,871 |
| Equity capital to assets | 8.9727% | 5,535 |
| Core capital (leverage) ratio | 8.3349% | 5,823 |
| Tier 1 risk-based capital ratio | 12.1052% | 5,896 |
| Total risk-based capital ratio | 13.2513% | 5,946 |
| Memoranda: | ||
| Average total assets | $722,546,000 | 927 |
| Average earning assets | $670,644,000 | 907 |
| Average equity | $65,351,000 | 1,076 |
| Average total loans | $378,309,000 | 1,117 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1418% | 6,200 |
| Cost of funding earning assets | 1.0586% | 2,964 |
| Net interest margin | 3.0832% | 6,377 |
| Noninterest income to average assets | 0.7324% | 2,431 |
| Noninterest expense to average assets | 2.1936% | 6,283 |
| Loan and lease loss provision to assets | 0.2333% | 3,872 |
| Net operating income to assets | 0.8379% | 2,888 |
| Return on assets (ROA) | 0.8366% | 3,047 |
| Pretax return on assets | 1.1680% | 2,583 |
| Return on Equity (ROE) | 9.5159% | 2,242 |
| Retained earnings to average equity (ytd only) | 5.6319% | 2,225 |
| Net charge-offs to loans | 0.4160% | 3,343 |
| Credit loss provision to net charge-offs | 111.3374% | 2,991 |
| Earnings coverage of net charge-offs (x) | 6.6952% | 2,468 |
| Efficiency ratio | 60.7595% | 5,638 |
| Assets per employee ($millions) | 4.4884% | 2,931 |
| Cash dividends to net income (ytd only)* | 40.8163% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 4,555 |
| Loan loss allowance to noncurrent loans | 93.1239% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.8274% | 4,973 |
| Noncurrent loans to loans | 1.4820% | 3,927 |
| Net loans and leases to total assets | 51.9373% | 5,318 |
| Net loans and leases to deposits | 62.4248% | 5,182 |
| Net loans and leases to core deposits | 67.7497% | 5,061 |
| Total domestic deposits to total assets | 83.1998% | 4,669 |
| Equity capital to assets | 9.1182% | 5,394 |
| Core capital (leverage) ratio | 8.1389% | 6,088 |
| Tier 1 risk-based capital ratio | 11.9277% | 5,875 |
| Total risk-based capital ratio | 13.0033% | 5,978 |
| Memoranda: | ||
| Average total assets | $702,849,400 | 929 |
| Average earning assets | $652,953,600 | 909 |
| Average equity | $61,791,400 | 1,092 |
| Average total loans | $354,099,800 | 1,195 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1291% | 6,348 |
| Cost of funding earning assets | 1.0981% | 2,992 |
| Net interest margin | 3.0310% | 6,520 |
| Noninterest income to average assets | 0.7118% | 2,533 |
| Noninterest expense to average assets | 2.1460% | 6,416 |
| Loan and lease loss provision to assets | 0.2057% | 3,963 |
| Net operating income to assets | 0.8519% | 2,934 |
| Return on assets (ROA) | 0.8501% | 3,092 |
| Pretax return on assets | 1.1771% | 2,706 |
| Return on Equity (ROE) | 9.7618% | 2,291 |
| Retained earnings to average equity (ytd only) | 5.8256% | 2,657 |
| Net charge-offs to loans | 0.5174% | 2,686 |
| Credit loss provision to net charge-offs | 79.8226% | 4,147 |
| Earnings coverage of net charge-offs (x) | 5.3762% | 2,804 |
| Efficiency ratio | 60.4972% | 5,636 |
| Assets per employee ($millions) | 4.5163% | 2,885 |
| Cash dividends to net income (ytd only)* | 40.3226% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2849% | 5,076 |
| Loan loss allowance to noncurrent loans | 84.7981% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 0.8421% | 5,073 |
| Noncurrent loans to loans | 1.5153% | 4,014 |
| Net loans and leases to total assets | 50.4679% | 5,643 |
| Net loans and leases to deposits | 60.5596% | 5,573 |
| Net loans and leases to core deposits | 65.9590% | 5,420 |
| Total domestic deposits to total assets | 83.3359% | 4,542 |
| Equity capital to assets | 8.8891% | 5,872 |
| Core capital (leverage) ratio | 7.9248% | 6,462 |
| Tier 1 risk-based capital ratio | 11.8514% | 6,002 |
| Total risk-based capital ratio | 12.8476% | 6,163 |
| Memoranda: | ||
| Average total assets | $700,146,000 | 936 |
| Average earning assets | $651,263,250 | 916 |
| Average equity | $60,971,000 | 1,111 |
| Average total loans | $348,663,750 | 1,232 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0971% | 6,497 |
| Cost of funding earning assets | 1.1300% | 3,034 |
| Net interest margin | 2.9671% | 6,666 |
| Noninterest income to average assets | 0.6465% | 2,872 |
| Noninterest expense to average assets | 2.0937% | 6,608 |
| Loan and lease loss provision to assets | 0.2079% | 3,848 |
| Net operating income to assets | 0.8053% | 3,047 |
| Return on assets (ROA) | 0.8053% | 3,172 |
| Pretax return on assets | 1.1039% | 2,835 |
| Return on Equity (ROE) | 9.3148% | 2,376 |
| Retained earnings to average equity (ytd only) | 5.3070% | 2,805 |
| Net charge-offs to loans | 0.7362% | 2,034 |
| Credit loss provision to net charge-offs | 57.2337% | 4,408 |
| Earnings coverage of net charge-offs (x) | 3.6113% | 3,110 |
| Efficiency ratio | 61.1073% | 5,713 |
| Assets per employee ($millions) | 4.3873% | 3,015 |
| Cash dividends to net income (ytd only)* | 43.0262% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 5,181 |
| Loan loss allowance to noncurrent loans | 82.5718% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.8349% | 5,211 |
| Noncurrent loans to loans | 1.5415% | 4,092 |
| Net loans and leases to total assets | 48.9116% | 5,962 |
| Net loans and leases to deposits | 58.2068% | 5,914 |
| Net loans and leases to core deposits | 63.9433% | 5,725 |
| Total domestic deposits to total assets | 84.0307% | 4,336 |
| Equity capital to assets | 8.7432% | 5,882 |
| Core capital (leverage) ratio | 8.0763% | 6,198 |
| Tier 1 risk-based capital ratio | 11.8732% | 5,885 |
| Total risk-based capital ratio | 12.8339% | 6,096 |
| Memoranda: | ||
| Average total assets | $692,656,670 | 957 |
| Average earning assets | $644,062,670 | 939 |
| Average equity | $59,883,330 | 1,116 |
| Average total loans | $341,740,000 | 1,265 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0752% | 6,553 |
| Cost of funding earning assets | 1.1669% | 3,046 |
| Net interest margin | 2.9083% | 6,746 |
| Noninterest income to average assets | 0.6156% | 3,067 |
| Noninterest expense to average assets | 2.1351% | 6,555 |
| Loan and lease loss provision to assets | 0.2106% | 3,540 |
| Net operating income to assets | 0.7297% | 3,381 |
| Return on assets (ROA) | 0.7297% | 3,444 |
| Pretax return on assets | 0.9748% | 3,227 |
| Return on Equity (ROE) | 8.4896% | 2,699 |
| Retained earnings to average equity (ytd only) | 4.4048% | 3,534 |
| Net charge-offs to loans | 0.3340% | 2,723 |
| Credit loss provision to net charge-offs | 128.1139% | 2,156 |
| Earnings coverage of net charge-offs (x) | 7.2100% | 1,983 |
| Efficiency ratio | 63.6300% | 5,425 |
| Assets per employee ($millions) | 4.3870% | 3,065 |
| Cash dividends to net income (ytd only)* | 48.1155% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5196% | 4,111 |
| Loan loss allowance to noncurrent loans | 85.8129% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 1.0867% | 4,750 |
| Noncurrent loans to loans | 1.7709% | 3,863 |
| Net loans and leases to total assets | 48.2843% | 6,045 |
| Net loans and leases to deposits | 57.1566% | 6,009 |
| Net loans and leases to core deposits | 63.2512% | 5,808 |
| Total domestic deposits to total assets | 84.4771% | 4,282 |
| Equity capital to assets | 8.6895% | 5,671 |
| Core capital (leverage) ratio | 7.9964% | 6,263 |
| Tier 1 risk-based capital ratio | 12.0416% | 5,648 |
| Total risk-based capital ratio | 13.1693% | 5,754 |
| Memoranda: | ||
| Average total assets | $683,610,000 | 977 |
| Average earning assets | $635,846,000 | 952 |
| Average equity | $58,754,000 | 1,127 |
| Average total loans | $336,549,500 | 1,296 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2522% | 6,855 |
| Cost of funding earning assets | 1.3111% | 3,809 |
| Net interest margin | 2.9411% | 6,835 |
| Noninterest income to average assets | 0.7550% | 2,517 |
| Noninterest expense to average assets | 2.1480% | 6,735 |
| Loan and lease loss provision to assets | 0.1660% | 5,559 |
| Net operating income to assets | 0.8410% | 2,631 |
| Return on assets (ROA) | 0.9590% | 2,294 |
| Pretax return on assets | 1.3496% | 1,801 |
| Return on Equity (ROE) | 10.8682% | 1,626 |
| Retained earnings to average equity (ytd only) | 6.6881% | 1,460 |
| Net charge-offs to loans | 0.2246% | 4,940 |
| Credit loss provision to net charge-offs | 153.4091% | 2,322 |
| Earnings coverage of net charge-offs (x) | 12.4730% | 1,498 |
| Efficiency ratio | 60.4754% | 5,974 |
| Assets per employee ($millions) | 4.4631% | 2,933 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4872% | 4,079 |
| Loan loss allowance to noncurrent loans | 77.8657% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 1.2088% | 4,608 |
| Noncurrent loans to loans | 1.9099% | 3,674 |
| Net loans and leases to total assets | 48.6984% | 6,310 |
| Net loans and leases to deposits | 57.4456% | 6,311 |
| Net loans and leases to core deposits | 63.0903% | 6,142 |
| Total domestic deposits to total assets | 84.7731% | 3,959 |
| Equity capital to assets | 8.4996% | 5,858 |
| Core capital (leverage) ratio | 7.9758% | 6,235 |
| Tier 1 risk-based capital ratio | 11.9064% | 5,561 |
| Total risk-based capital ratio | 13.0182% | 5,675 |
| Memoranda: | ||
| Average total assets | $650,701,400 | 1,026 |
| Average earning assets | $606,746,600 | 999 |
| Average equity | $57,415,400 | 1,156 |
| Average total loans | $313,467,600 | 1,431 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2593% | 7,020 |
| Cost of funding earning assets | 1.3290% | 4,039 |
| Net interest margin | 2.9303% | 6,960 |
| Noninterest income to average assets | 0.7494% | 2,508 |
| Noninterest expense to average assets | 2.1361% | 6,765 |
| Loan and lease loss provision to assets | 0.1680% | 5,364 |
| Net operating income to assets | 0.8324% | 2,872 |
| Return on assets (ROA) | 0.9894% | 2,387 |
| Pretax return on assets | 1.4041% | 1,870 |
| Return on Equity (ROE) | 11.1048% | 1,755 |
| Retained earnings to average equity (ytd only) | 6.9134% | 1,896 |
| Net charge-offs to loans | 0.2216% | 4,613 |
| Credit loss provision to net charge-offs | 158.5127% | 2,403 |
| Earnings coverage of net charge-offs (x) | 12.7142% | 1,658 |
| Efficiency ratio | 60.3525% | 5,899 |
| Assets per employee ($millions) | 4.3514% | 3,164 |
| Cash dividends to net income (ytd only)* | 37.7437% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5152% | 3,893 |
| Loan loss allowance to noncurrent loans | 90.3822% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.9260% | 5,249 |
| Noncurrent loans to loans | 1.6765% | 4,127 |
| Net loans and leases to total assets | 47.9434% | 6,526 |
| Net loans and leases to deposits | 56.7202% | 6,564 |
| Net loans and leases to core deposits | 62.2222% | 6,443 |
| Total domestic deposits to total assets | 84.5262% | 3,858 |
| Equity capital to assets | 8.8907% | 5,713 |
| Core capital (leverage) ratio | 8.0124% | 6,332 |
| Tier 1 risk-based capital ratio | 12.2086% | 5,258 |
| Total risk-based capital ratio | 13.3508% | 5,335 |
| Memoranda: | ||
| Average total assets | $642,663,750 | 1,051 |
| Average earning assets | $599,741,500 | 1,014 |
| Average equity | $57,259,250 | 1,162 |
| Average total loans | $307,445,000 | 1,479 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2355% | 7,135 |
| Cost of funding earning assets | 1.3297% | 4,340 |
| Net interest margin | 2.9059% | 7,000 |
| Noninterest income to average assets | 0.6807% | 2,817 |
| Noninterest expense to average assets | 2.0991% | 6,912 |
| Loan and lease loss provision to assets | 0.1705% | 5,167 |
| Net operating income to assets | 0.7824% | 3,055 |
| Return on assets (ROA) | 0.9247% | 2,553 |
| Pretax return on assets | 1.3266% | 2,013 |
| Return on Equity (ROE) | 10.3707% | 1,973 |
| Retained earnings to average equity (ytd only) | 6.1218% | 2,266 |
| Net charge-offs to loans | 0.3254% | 3,698 |
| Credit loss provision to net charge-offs | 110.2041% | 3,691 |
| Earnings coverage of net charge-offs (x) | 8.3633% | 2,148 |
| Efficiency ratio | 60.8728% | 5,882 |
| Assets per employee ($millions) | 4.1976% | 3,387 |
| Cash dividends to net income (ytd only)* | 40.9696% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4957% | 3,958 |
| Loan loss allowance to noncurrent loans | 76.2632% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 1.0430% | 5,053 |
| Noncurrent loans to loans | 1.9612% | 3,774 |
| Net loans and leases to total assets | 46.3198% | 6,761 |
| Net loans and leases to deposits | 54.7022% | 6,814 |
| Net loans and leases to core deposits | 60.8267% | 6,649 |
| Total domestic deposits to total assets | 84.6764% | 3,782 |
| Equity capital to assets | 8.6373% | 5,964 |
| Core capital (leverage) ratio | 8.2711% | 5,827 |
| Tier 1 risk-based capital ratio | 12.2195% | 5,105 |
| Total risk-based capital ratio | 13.3324% | 5,208 |
| Memoranda: | ||
| Average total assets | $633,512,000 | 1,066 |
| Average earning assets | $591,282,330 | 1,034 |
| Average equity | $56,486,330 | 1,166 |
| Average total loans | $301,186,330 | 1,525 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3284% | 7,086 |
| Cost of funding earning assets | 1.3495% | 4,499 |
| Net interest margin | 2.9790% | 6,880 |
| Noninterest income to average assets | 0.6643% | 2,856 |
| Noninterest expense to average assets | 2.2473% | 6,556 |
| Loan and lease loss provision to assets | 0.1752% | 4,768 |
| Net operating income to assets | 0.7119% | 3,385 |
| Return on assets (ROA) | 0.9926% | 2,281 |
| Pretax return on assets | 1.4299% | 1,693 |
| Return on Equity (ROE) | 10.9469% | 1,802 |
| Retained earnings to average equity (ytd only) | 10.9469% | 931 |
| Net charge-offs to loans | 0.3839% | 2,895 |
| Credit loss provision to net charge-offs | 95.4064% | 3,541 |
| Earnings coverage of net charge-offs (x) | 6.5265% | 2,207 |
| Efficiency ratio | 64.2064% | 5,456 |
| Assets per employee ($millions) | 4.1933% | 3,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5583% | 3,625 |
| Loan loss allowance to noncurrent loans | 90.1674% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.9336% | 5,282 |
| Noncurrent loans to loans | 1.7282% | 4,149 |
| Net loans and leases to total assets | 47.4618% | 6,719 |
| Net loans and leases to deposits | 57.4804% | 6,657 |
| Net loans and leases to core deposits | 64.6831% | 6,403 |
| Total domestic deposits to total assets | 82.5703% | 4,817 |
| Equity capital to assets | 9.1849% | 5,006 |
| Core capital (leverage) ratio | 8.4612% | 5,441 |
| Tier 1 risk-based capital ratio | 12.9865% | 4,343 |
| Total risk-based capital ratio | 14.1590% | 4,376 |
| Memoranda: | ||
| Average total assets | $616,560,000 | 1,113 |
| Average earning assets | $575,636,000 | 1,094 |
| Average equity | $55,906,000 | 1,189 |
| Average total loans | $294,859,500 | 1,595 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8711% | 6,778 |
| Cost of funding earning assets | 1.6197% | 4,939 |
| Net interest margin | 3.2514% | 5,924 |
| Noninterest income to average assets | 0.8178% | 2,318 |
| Noninterest expense to average assets | 2.2693% | 6,827 |
| Loan and lease loss provision to assets | 0.1889% | 5,833 |
| Net operating income to assets | 0.9760% | 1,921 |
| Return on assets (ROA) | 0.9990% | 1,890 |
| Pretax return on assets | 1.4291% | 1,364 |
| Return on Equity (ROE) | 11.3765% | 1,329 |
| Retained earnings to average equity (ytd only) | 6.5956% | 1,124 |
| Net charge-offs to loans | 0.1624% | 5,655 |
| Credit loss provision to net charge-offs | 228.3298% | 1,622 |
| Earnings coverage of net charge-offs (x) | 19.1586% | 1,097 |
| Efficiency ratio | 57.9986% | 6,758 |
| Assets per employee ($millions) | 4.1669% | 3,498 |
| Cash dividends to net income (ytd only)* | 42.0242% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5875% | 3,334 |
| Loan loss allowance to noncurrent loans | 127.3026% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.6366% | 5,869 |
| Noncurrent loans to loans | 1.2471% | 4,864 |
| Net loans and leases to total assets | 46.6808% | 6,923 |
| Net loans and leases to deposits | 55.4361% | 6,956 |
| Net loans and leases to core deposits | 69.9411% | 6,774 |
| Total domestic deposits to total assets | 84.2064% | 3,939 |
| Equity capital to assets | 8.9500% | 5,216 |
| Core capital (leverage) ratio | 8.0278% | 6,124 |
| Tier 1 risk-based capital ratio | 12.5036% | 4,522 |
| Total risk-based capital ratio | 13.6718% | 4,537 |
| Memoranda: | ||
| Average total assets | $571,677,200 | 1,213 |
| Average earning assets | $533,927,200 | 1,192 |
| Average equity | $50,199,800 | 1,340 |
| Average total loans | $291,299,600 | 1,646 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9452% | 6,780 |
| Cost of funding earning assets | 1.6772% | 5,023 |
| Net interest margin | 3.2680% | 5,759 |
| Noninterest income to average assets | 0.7439% | 2,738 |
| Noninterest expense to average assets | 2.2606% | 6,809 |
| Loan and lease loss provision to assets | 0.1927% | 5,452 |
| Net operating income to assets | 0.9340% | 2,293 |
| Return on assets (ROA) | 0.9647% | 2,234 |
| Pretax return on assets | 1.3892% | 1,726 |
| Return on Equity (ROE) | 11.0448% | 1,608 |
| Retained earnings to average equity (ytd only) | 6.1420% | 1,882 |
| Net charge-offs to loans | 0.2034% | 4,772 |
| Credit loss provision to net charge-offs | 182.4324% | 2,501 |
| Earnings coverage of net charge-offs (x) | 14.5539% | 1,593 |
| Efficiency ratio | 58.6382% | 6,625 |
| Assets per employee ($millions) | 4.2456% | 3,293 |
| Cash dividends to net income (ytd only)* | 44.3897% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5000% | 3,442 |
| Loan loss allowance to noncurrent loans | 101.4750% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.7194% | 5,691 |
| Noncurrent loans to loans | 1.4782% | 4,458 |
| Net loans and leases to total assets | 46.9674% | 7,034 |
| Net loans and leases to deposits | 54.8547% | 7,156 |
| Net loans and leases to core deposits | 67.8540% | 7,081 |
| Total domestic deposits to total assets | 85.6215% | 2,901 |
| Equity capital to assets | 8.7446% | 5,887 |
| Core capital (leverage) ratio | 8.1851% | 6,044 |
| Tier 1 risk-based capital ratio | 12.4990% | 4,538 |
| Total risk-based capital ratio | 13.6278% | 4,596 |
| Memoranda: | ||
| Average total assets | $560,420,000 | 1,245 |
| Average earning assets | $523,732,250 | 1,221 |
| Average equity | $48,951,000 | 1,393 |
| Average total loans | $290,992,750 | 1,670 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1019% | 6,430 |
| Cost of funding earning assets | 1.7482% | 5,022 |
| Net interest margin | 3.3537% | 5,347 |
| Noninterest income to average assets | 0.8048% | 2,388 |
| Noninterest expense to average assets | 2.2992% | 6,760 |
| Loan and lease loss provision to assets | 0.1993% | 5,061 |
| Net operating income to assets | 0.9872% | 2,153 |
| Return on assets (ROA) | 1.0140% | 2,148 |
| Pretax return on assets | 1.4689% | 1,535 |
| Return on Equity (ROE) | 11.6136% | 1,531 |
| Retained earnings to average equity (ytd only) | 9.0779% | 916 |
| Net charge-offs to loans | 0.0496% | 5,783 |
| Credit loss provision to net charge-offs | 750.0000% | 623 |
| Earnings coverage of net charge-offs (x) | 61.3333% | 587 |
| Efficiency ratio | 57.6406% | 6,919 |
| Assets per employee ($millions) | 4.1251% | 3,445 |
| Cash dividends to net income (ytd only)* | 21.8341% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5241% | 3,069 |
| Loan loss allowance to noncurrent loans | 233.9045% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.3418% | 6,600 |
| Noncurrent loans to loans | 0.6516% | 5,951 |
| Net loans and leases to total assets | 49.3457% | 6,927 |
| Net loans and leases to deposits | 58.1405% | 7,015 |
| Net loans and leases to core deposits | 70.4463% | 6,994 |
| Total domestic deposits to total assets | 84.8733% | 3,325 |
| Equity capital to assets | 8.6595% | 5,807 |
| Core capital (leverage) ratio | 8.5737% | 5,308 |
| Tier 1 risk-based capital ratio | 12.9661% | 4,172 |
| Total risk-based capital ratio | 14.1680% | 4,119 |
| Memoranda: | ||
| Average total assets | $542,022,000 | 1,308 |
| Average earning assets | $504,875,670 | 1,273 |
| Average equity | $47,323,670 | 1,456 |
| Average total loans | $290,143,330 | 1,705 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2624% | 6,058 |
| Cost of funding earning assets | 1.8392% | 4,921 |
| Net interest margin | 3.4232% | 5,037 |
| Noninterest income to average assets | 0.8516% | 2,073 |
| Noninterest expense to average assets | 2.1502% | 7,008 |
| Loan and lease loss provision to assets | 0.2085% | 4,356 |
| Net operating income to assets | 1.1388% | 1,839 |
| Return on assets (ROA) | 1.1388% | 1,957 |
| Pretax return on assets | 1.6731% | 1,236 |
| Return on Equity (ROE) | 12.9827% | 1,392 |
| Retained earnings to average equity (ytd only) | 7.7016% | 1,928 |
| Net charge-offs to loans | -0.0445% | 7,663 |
| Credit loss provision to net charge-offs | -843.7500% | 6,498 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4320% | 7,368 |
| Assets per employee ($millions) | 3.9513% | 3,771 |
| Cash dividends to net income (ytd only)* | 40.6780% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5158% | 2,885 |
| Loan loss allowance to noncurrent loans | 174.3971% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.4875% | 6,015 |
| Noncurrent loans to loans | 0.8692% | 5,276 |
| Net loans and leases to total assets | 51.6992% | 6,715 |
| Net loans and leases to deposits | 62.4326% | 6,699 |
| Net loans and leases to core deposits | 75.9307% | 6,680 |
| Total domestic deposits to total assets | 82.8081% | 4,241 |
| Equity capital to assets | 9.3570% | 4,858 |
| Core capital (leverage) ratio | 9.0313% | 4,653 |
| Tier 1 risk-based capital ratio | 13.1575% | 4,081 |
| Total risk-based capital ratio | 14.3649% | 4,018 |
| Memoranda: | ||
| Average total assets | $518,091,500 | 1,370 |
| Average earning assets | $481,298,500 | 1,346 |
| Average equity | $45,445,000 | 1,517 |
| Average total loans | $287,421,500 | 1,726 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9953% | 5,565 |
| Cost of funding earning assets | 2.3096% | 5,104 |
| Net interest margin | 3.6857% | 4,527 |
| Noninterest income to average assets | 0.7485% | 2,795 |
| Noninterest expense to average assets | 2.4909% | 6,040 |
| Loan and lease loss provision to assets | 0.2867% | 4,090 |
| Net operating income to assets | 0.9401% | 2,832 |
| Return on assets (ROA) | 0.9682% | 2,581 |
| Pretax return on assets | 1.3928% | 1,992 |
| Return on Equity (ROE) | 11.8313% | 1,647 |
| Retained earnings to average equity (ytd only) | 6.3002% | 1,395 |
| Net charge-offs to loans | 0.2137% | 4,073 |
| Credit loss provision to net charge-offs | 220.5638% | 2,174 |
| Earnings coverage of net charge-offs (x) | 12.6136% | 2,229 |
| Efficiency ratio | 59.3279% | 6,470 |
| Assets per employee ($millions) | 3.5573% | 4,531 |
| Cash dividends to net income (ytd only)* | 46.7498% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 3,205 |
| Loan loss allowance to noncurrent loans | 107.9412% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 1.0409% | 4,219 |
| Noncurrent loans to loans | 1.2959% | 3,921 |
| Net loans and leases to total assets | 57.9669% | 6,200 |
| Net loans and leases to deposits | 69.7899% | 6,292 |
| Net loans and leases to core deposits | 83.3828% | 6,354 |
| Total domestic deposits to total assets | 83.0592% | 3,746 |
| Equity capital to assets | 8.1213% | 6,667 |
| Core capital (leverage) ratio | 7.4464% | 7,266 |
| Tier 1 risk-based capital ratio | 10.2946% | 6,428 |
| Total risk-based capital ratio | 11.4376% | 6,398 |
| Memoranda: | ||
| Average total assets | $463,964,200 | 1,484 |
| Average earning assets | $425,700,200 | 1,467 |
| Average equity | $37,967,000 | 1,781 |
| Average total loans | $282,119,600 | 1,709 |