Home > First National Bank and Trust Company of Newtown > Performance and Condition Ratios
First National Bank and Trust Company of Newtown, 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 | 3.2573% | 4,464 |
| Cost of funding earning assets | 0.1120% | 4,479 |
| Net interest margin | 3.1453% | 2,985 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 1.8745% | 3,887 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 1.4133% | 1,194 |
| Return on assets (ROA) | 1.3498% | 1,296 |
| Pretax return on assets | 1.6565% | 1,141 |
| Return on Equity (ROE) | 37.8000% | 100 |
| Retained earnings to average equity (ytd only) | 21.3210% | 116 |
| Net charge-offs to loans | -0.1457% | 4,532 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 52.0276% | 3,830 |
| Assets per employee ($millions) | 8.9525% | 998 |
| Cash dividends to net income (ytd only)* | 43.5994% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8420% | 3,874 |
| Loan loss allowance to noncurrent loans | 147.1933% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.2194% | 2,130 |
| Noncurrent loans to loans | 0.5720% | 1,368 |
| Net loans and leases to total assets | 38.0200% | 4,095 |
| Net loans and leases to deposits | 42.8316% | 4,133 |
| Net loans and leases to core deposits | 42.9360% | 4,225 |
| Total domestic deposits to total assets | 88.7700% | 1,135 |
| Equity capital to assets | 5.1446% | 4,390 |
| Core capital (leverage) ratio | 11.6823% | 1,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7167% | 312 |
| Memoranda: | ||
| Average total assets | $1,199,169,600 | 856 |
| Average earning assets | $1,116,032,200 | 845 |
| Average equity | $42,817,000 | 1,794 |
| Average total loans | $427,619,600 | 1,402 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2746% | 4,463 |
| Cost of funding earning assets | 0.0981% | 4,508 |
| Net interest margin | 3.1765% | 2,970 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 1.8144% | 3,951 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4214% | 1,273 |
| Return on assets (ROA) | 1.4214% | 1,254 |
| Pretax return on assets | 1.7483% | 1,085 |
| Return on Equity (ROE) | 44.3900% | 95 |
| Retained earnings to average equity (ytd only) | 33.9476% | 62 |
| Net charge-offs to loans | -0.1952% | 4,566 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.9023% | 3,843 |
| Assets per employee ($millions) | 8.8110% | 1,000 |
| Cash dividends to net income (ytd only)* | 23.5212% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8707% | 3,822 |
| Loan loss allowance to noncurrent loans | 148.6775% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.2246% | 2,140 |
| Noncurrent loans to loans | 0.5857% | 1,369 |
| Net loans and leases to total assets | 38.0200% | 4,129 |
| Net loans and leases to deposits | 40.9321% | 4,184 |
| Net loans and leases to core deposits | 41.0373% | 4,238 |
| Total domestic deposits to total assets | 92.8700% | 317 |
| Equity capital to assets | 2.8309% | 4,503 |
| Core capital (leverage) ratio | 11.1730% | 1,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5309% | 332 |
| Memoranda: | ||
| Average total assets | $1,214,721,250 | 851 |
| Average earning assets | $1,131,066,750 | 835 |
| Average equity | $38,898,250 | 1,906 |
| Average total loans | $425,528,000 | 1,402 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2493% | 4,480 |
| Cost of funding earning assets | 0.0971% | 4,519 |
| Net interest margin | 3.1522% | 3,097 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 1.7688% | 4,051 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.3829% | 1,376 |
| Return on assets (ROA) | 1.3829% | 1,353 |
| Pretax return on assets | 1.7022% | 1,209 |
| Return on Equity (ROE) | 43.1000% | 93 |
| Retained earnings to average equity (ytd only) | 33.7372% | 67 |
| Net charge-offs to loans | -0.2939% | 4,609 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.0410% | 3,927 |
| Assets per employee ($millions) | 9.9808% | 677 |
| Cash dividends to net income (ytd only)* | 21.7204% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5488% | 1,037 |
| Loan loss allowance to noncurrent loans | 301.9266% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.1820% | 2,285 |
| Noncurrent loans to loans | 0.5130% | 1,433 |
| Net loans and leases to total assets | 34.9300% | 4,216 |
| Net loans and leases to deposits | 37.6967% | 4,260 |
| Net loans and leases to core deposits | 37.8380% | 4,296 |
| Total domestic deposits to total assets | 92.6700% | 300 |
| Equity capital to assets | 3.3733% | 4,551 |
| Core capital (leverage) ratio | 10.3117% | 2,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1018% | 352 |
| Memoranda: | ||
| Average total assets | $1,242,426,667 | 824 |
| Average earning assets | $1,159,067,333 | 816 |
| Average equity | $39,867,000 | 1,885 |
| Average total loans | $423,202,000 | 1,396 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2183% | 4,479 |
| Cost of funding earning assets | 0.0917% | 4,548 |
| Net interest margin | 3.1266% | 3,293 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 1.6585% | 4,244 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5054% | 1,178 |
| Return on assets (ROA) | 1.5054% | 1,152 |
| Pretax return on assets | 1.8574% | 978 |
| Return on Equity (ROE) | 48.0800% | 79 |
| Retained earnings to average equity (ytd only) | 41.1722% | 57 |
| Net charge-offs to loans | -0.5891% | 4,666 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.1710% | 4,145 |
| Assets per employee ($millions) | 10.5552% | 590 |
| Cash dividends to net income (ytd only)* | 14.3697% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4618% | 1,389 |
| Loan loss allowance to noncurrent loans | 277.3543% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 2,275 |
| Noncurrent loans to loans | 0.5270% | 1,405 |
| Net loans and leases to total assets | 32.9200% | 4,297 |
| Net loans and leases to deposits | 35.5958% | 4,340 |
| Net loans and leases to core deposits | 35.7104% | 4,372 |
| Total domestic deposits to total assets | 92.4800% | 406 |
| Equity capital to assets | 3.4969% | 4,574 |
| Core capital (leverage) ratio | 9.8825% | 2,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3502% | 383 |
| Memoranda: | ||
| Average total assets | $1,264,793,500 | 835 |
| Average earning assets | $1,182,503,000 | 816 |
| Average equity | $39,599,500 | 1,916 |
| Average total loans | $422,315,000 | 1,413 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6702% | 4,423 |
| Cost of funding earning assets | 0.0887% | 4,433 |
| Net interest margin | 2.5815% | 4,199 |
| Noninterest income to average assets | 0.6900% | 1,336 |
| Noninterest expense to average assets | 1.6676% | 4,224 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.1725% | 1,884 |
| Return on assets (ROA) | 1.1386% | 1,965 |
| Pretax return on assets | 1.3612% | 1,899 |
| Return on Equity (ROE) | 26.5000% | 162 |
| Retained earnings to average equity (ytd only) | 19.2828% | 106 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.4839% | 3,836 |
| Assets per employee ($millions) | 10.1852% | 640 |
| Cash dividends to net income (ytd only)* | 27.2336% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4227% | 1,430 |
| Loan loss allowance to noncurrent loans | 6,057.5758% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 3,824 |
| Noncurrent loans to loans | 0.0235% | 3,628 |
| Net loans and leases to total assets | 32.9000% | 4,314 |
| Net loans and leases to deposits | 35.1534% | 4,364 |
| Net loans and leases to core deposits | 35.2822% | 4,389 |
| Total domestic deposits to total assets | 93.5900% | 293 |
| Equity capital to assets | 2.7638% | 4,618 |
| Core capital (leverage) ratio | 9.3861% | 3,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2925% | 402 |
| Memoranda: | ||
| Average total assets | $1,305,442,600 | 788 |
| Average earning assets | $1,229,458,800 | 773 |
| Average equity | $56,091,400 | 1,479 |
| Average total loans | $403,411,800 | 1,385 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4987% | 4,442 |
| Cost of funding earning assets | 0.0871% | 4,372 |
| Net interest margin | 2.4116% | 4,312 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 1.6328% | 4,268 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.0226% | 2,397 |
| Return on assets (ROA) | 1.0258% | 2,358 |
| Pretax return on assets | 1.2365% | 2,238 |
| Return on Equity (ROE) | 21.9900% | 292 |
| Retained earnings to average equity (ytd only) | 16.5241% | 242 |
| Net charge-offs to loans | -0.0007% | 3,149 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.1079% | 3,616 |
| Assets per employee ($millions) | 10.8136% | 525 |
| Cash dividends to net income (ytd only)* | 24.8593% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4287% | 1,511 |
| Loan loss allowance to noncurrent loans | 3,335.6322% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 3,833 |
| Noncurrent loans to loans | 0.0428% | 3,581 |
| Net loans and leases to total assets | 30.8600% | 4,400 |
| Net loans and leases to deposits | 32.7904% | 4,443 |
| Net loans and leases to core deposits | 32.9509% | 4,467 |
| Total domestic deposits to total assets | 94.1100% | 344 |
| Equity capital to assets | 2.1956% | 4,652 |
| Core capital (leverage) ratio | 8.6803% | 3,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9497% | 435 |
| Memoranda: | ||
| Average total assets | $1,316,061,500 | 786 |
| Average earning assets | $1,241,210,250 | 772 |
| Average equity | $61,387,750 | 1,395 |
| Average total loans | $398,887,750 | 1,389 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3071% | 4,515 |
| Cost of funding earning assets | 0.0864% | 4,323 |
| Net interest margin | 2.2208% | 4,403 |
| Noninterest income to average assets | 0.6730% | 1,453 |
| Noninterest expense to average assets | 1.6044% | 4,301 |
| Loan and lease loss provision to assets | 0.0607% | 1,508 |
| Net operating income to assets | 0.9306% | 2,443 |
| Return on assets (ROA) | 0.9354% | 2,398 |
| Pretax return on assets | 1.1134% | 2,356 |
| Return on Equity (ROE) | 17.0939% | 559 |
| Retained earnings to average equity (ytd only) | 12.0326% | 599 |
| Net charge-offs to loans | -0.0005% | 2,986 |
| Credit loss provision to net charge-offs | -40,100.0000% | 3,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8637% | 3,579 |
| Assets per employee ($millions) | 11.0295% | 488 |
| Cash dividends to net income (ytd only)* | 29.6087% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4299% | 1,638 |
| Loan loss allowance to noncurrent loans | 3,274.4318% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 3,893 |
| Noncurrent loans to loans | 0.0437% | 3,618 |
| Net loans and leases to total assets | 29.7685% | 4,466 |
| Net loans and leases to deposits | 32.0633% | 4,501 |
| Net loans and leases to core deposits | 32.2193% | 4,529 |
| Total domestic deposits to total assets | 92.8430% | 554 |
| Equity capital to assets | 3.7052% | 4,650 |
| Core capital (leverage) ratio | 8.3817% | 4,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2483% | 465 |
| Memoranda: | ||
| Average total assets | $1,322,205,000 | 777 |
| Average earning assets | $1,250,203,667 | 767 |
| Average equity | $72,353,333 | 1,263 |
| Average total loans | $396,437,333 | 1,391 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2452% | 4,506 |
| Cost of funding earning assets | 0.0857% | 4,295 |
| Net interest margin | 2.1595% | 4,389 |
| Noninterest income to average assets | 0.6176% | 1,615 |
| Noninterest expense to average assets | 1.5267% | 4,389 |
| Loan and lease loss provision to assets | 0.0085% | 2,164 |
| Net operating income to assets | 0.9289% | 2,159 |
| Return on assets (ROA) | 0.9459% | 2,079 |
| Pretax return on assets | 1.1483% | 1,989 |
| Return on Equity (ROE) | 14.8534% | 677 |
| Retained earnings to average equity (ytd only) | 11.7749% | 639 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3336% | 3,752 |
| Assets per employee ($millions) | 10.6804% | 563 |
| Cash dividends to net income (ytd only)* | 20.7262% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 2,053 |
| Loan loss allowance to noncurrent loans | 492.6874% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.0826% | 3,254 |
| Noncurrent loans to loans | 0.2768% | 2,481 |
| Net loans and leases to total assets | 29.4357% | 4,461 |
| Net loans and leases to deposits | 32.1616% | 4,491 |
| Net loans and leases to core deposits | 32.3143% | 4,524 |
| Total domestic deposits to total assets | 91.5245% | 787 |
| Equity capital to assets | 5.2183% | 4,698 |
| Core capital (leverage) ratio | 8.3349% | 4,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5142% | 397 |
| Memoranda: | ||
| Average total assets | $1,316,020,000 | 790 |
| Average earning assets | $1,246,412,000 | 778 |
| Average equity | $83,805,500 | 1,148 |
| Average total loans | $393,133,000 | 1,388 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3194% | 4,579 |
| Cost of funding earning assets | 0.0841% | 4,504 |
| Net interest margin | 2.2353% | 4,466 |
| Noninterest income to average assets | 0.5773% | 2,248 |
| Noninterest expense to average assets | 1.7475% | 4,232 |
| Loan and lease loss provision to assets | -0.0001% | 4,127 |
| Net operating income to assets | 0.7969% | 3,343 |
| Return on assets (ROA) | 0.8129% | 3,365 |
| Pretax return on assets | 0.9757% | 3,330 |
| Return on Equity (ROE) | 10.3617% | 2,394 |
| Retained earnings to average equity (ytd only) | 6.1480% | 2,295 |
| Net charge-offs to loans | -0.0005% | 3,229 |
| Credit loss provision to net charge-offs | 50.0000% | 2,134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6296% | 2,457 |
| Assets per employee ($millions) | 10.3784% | 599 |
| Cash dividends to net income (ytd only)* | 40.6665% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3710% | 2,045 |
| Loan loss allowance to noncurrent loans | 333.1883% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.1230% | 3,074 |
| Noncurrent loans to loans | 0.4115% | 2,124 |
| Net loans and leases to total assets | 29.4935% | 4,527 |
| Net loans and leases to deposits | 33.0847% | 4,557 |
| Net loans and leases to core deposits | 33.2494% | 4,579 |
| Total domestic deposits to total assets | 89.1454% | 1,439 |
| Equity capital to assets | 7.5325% | 4,582 |
| Core capital (leverage) ratio | 8.2836% | 4,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,251,466,600 | 797 |
| Average earning assets | $1,190,608,600 | 778 |
| Average equity | $98,178,400 | 1,025 |
| Average total loans | $402,455,800 | 1,365 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3120% | 4,668 |
| Cost of funding earning assets | 0.0835% | 4,621 |
| Net interest margin | 2.2285% | 4,549 |
| Noninterest income to average assets | 0.5843% | 2,278 |
| Noninterest expense to average assets | 1.7605% | 4,243 |
| Loan and lease loss provision to assets | -0.0181% | 4,347 |
| Net operating income to assets | 0.8013% | 3,520 |
| Return on assets (ROA) | 0.8208% | 3,543 |
| Pretax return on assets | 0.9841% | 3,509 |
| Return on Equity (ROE) | 10.3540% | 2,612 |
| Retained earnings to average equity (ytd only) | 6.7536% | 2,516 |
| Net charge-offs to loans | -0.0007% | 3,098 |
| Credit loss provision to net charge-offs | 8,400.0000% | 93 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1319% | 2,230 |
| Assets per employee ($millions) | 9.9595% | 645 |
| Cash dividends to net income (ytd only)* | 34.7729% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3257% | 2,369 |
| Loan loss allowance to noncurrent loans | 556.1028% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 3,630 |
| Noncurrent loans to loans | 0.2384% | 2,980 |
| Net loans and leases to total assets | 29.8594% | 4,594 |
| Net loans and leases to deposits | 33.4856% | 4,638 |
| Net loans and leases to core deposits | 33.6400% | 4,666 |
| Total domestic deposits to total assets | 89.1709% | 1,184 |
| Equity capital to assets | 7.4964% | 4,707 |
| Core capital (leverage) ratio | 8.3222% | 4,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,237,415,000 | 817 |
| Average earning assets | $1,176,437,500 | 796 |
| Average equity | $98,097,750 | 1,045 |
| Average total loans | $405,310,000 | 1,390 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2828% | 4,733 |
| Cost of funding earning assets | 0.0832% | 4,680 |
| Net interest margin | 2.1996% | 4,601 |
| Noninterest income to average assets | 0.5908% | 2,262 |
| Noninterest expense to average assets | 1.7831% | 4,221 |
| Loan and lease loss provision to assets | -0.0328% | 4,472 |
| Net operating income to assets | 0.7820% | 3,560 |
| Return on assets (ROA) | 0.7822% | 3,625 |
| Pretax return on assets | 0.9328% | 3,592 |
| Return on Equity (ROE) | 9.6806% | 2,879 |
| Retained earnings to average equity (ytd only) | 6.6332% | 2,570 |
| Net charge-offs to loans | -0.0005% | 3,041 |
| Credit loss provision to net charge-offs | 20,000.0000% | 20 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4668% | 2,086 |
| Assets per employee ($millions) | 9.8498% | 639 |
| Cash dividends to net income (ytd only)* | 31.4795% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2759% | 2,555 |
| Loan loss allowance to noncurrent loans | 267.2708% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 3,240 |
| Noncurrent loans to loans | 0.4774% | 2,242 |
| Net loans and leases to total assets | 31.4280% | 4,607 |
| Net loans and leases to deposits | 35.3423% | 4,645 |
| Net loans and leases to core deposits | 35.4958% | 4,681 |
| Total domestic deposits to total assets | 88.9246% | 1,317 |
| Equity capital to assets | 7.7654% | 4,646 |
| Core capital (leverage) ratio | 8.4066% | 4,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,218,308,000 | 824 |
| Average earning assets | $1,158,683,333 | 798 |
| Average equity | $98,444,333 | 1,034 |
| Average total loans | $409,815,000 | 1,383 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3177% | 4,752 |
| Cost of funding earning assets | 0.0828% | 4,734 |
| Net interest margin | 2.2349% | 4,588 |
| Noninterest income to average assets | 0.5962% | 2,228 |
| Noninterest expense to average assets | 1.8716% | 4,054 |
| Loan and lease loss provision to assets | -0.0416% | 4,634 |
| Net operating income to assets | 0.7530% | 3,565 |
| Return on assets (ROA) | 0.7536% | 3,632 |
| Pretax return on assets | 0.8959% | 3,608 |
| Return on Equity (ROE) | 9.1364% | 2,987 |
| Retained earnings to average equity (ytd only) | 6.4923% | 2,731 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6777% | 1,851 |
| Assets per employee ($millions) | 9.3758% | 730 |
| Cash dividends to net income (ytd only)* | 28.9403% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 2,656 |
| Loan loss allowance to noncurrent loans | 258.6173% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.1636% | 3,347 |
| Noncurrent loans to loans | 0.4841% | 2,403 |
| Net loans and leases to total assets | 33.3786% | 4,593 |
| Net loans and leases to deposits | 37.4654% | 4,643 |
| Net loans and leases to core deposits | 37.6321% | 4,676 |
| Total domestic deposits to total assets | 89.0917% | 1,291 |
| Equity capital to assets | 7.6577% | 4,653 |
| Core capital (leverage) ratio | 8.8577% | 3,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,192,151,000 | 830 |
| Average earning assets | $1,135,622,000 | 806 |
| Average equity | $98,332,000 | 1,023 |
| Average total loans | $412,476,500 | 1,377 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6768% | 4,800 |
| Cost of funding earning assets | 0.0898% | 4,884 |
| Net interest margin | 2.5870% | 4,515 |
| Noninterest income to average assets | 0.6094% | 2,187 |
| Noninterest expense to average assets | 1.9215% | 4,279 |
| Loan and lease loss provision to assets | 0.0787% | 3,396 |
| Net operating income to assets | 0.8854% | 2,761 |
| Return on assets (ROA) | 0.9153% | 2,768 |
| Pretax return on assets | 1.0886% | 2,743 |
| Return on Equity (ROE) | 9.7490% | 2,096 |
| Retained earnings to average equity (ytd only) | 6.2036% | 1,708 |
| Net charge-offs to loans | -0.0005% | 3,901 |
| Credit loss provision to net charge-offs | -41,900.0000% | 4,498 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9341% | 2,988 |
| Assets per employee ($millions) | 8.7534% | 813 |
| Cash dividends to net income (ytd only)* | 36.3674% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3182% | 2,326 |
| Loan loss allowance to noncurrent loans | 183.3732% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.2549% | 3,022 |
| Noncurrent loans to loans | 0.7189% | 1,900 |
| Net loans and leases to total assets | 34.9927% | 4,611 |
| Net loans and leases to deposits | 39.9797% | 4,660 |
| Net loans and leases to core deposits | 40.1660% | 4,690 |
| Total domestic deposits to total assets | 87.5264% | 1,696 |
| Equity capital to assets | 8.8857% | 4,161 |
| Core capital (leverage) ratio | 9.0198% | 3,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,064,678,600 | 828 |
| Average earning assets | $1,005,760,600 | 807 |
| Average equity | $99,958,800 | 960 |
| Average total loans | $403,039,600 | 1,345 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7509% | 4,853 |
| Cost of funding earning assets | 0.0909% | 4,938 |
| Net interest margin | 2.6600% | 4,513 |
| Noninterest income to average assets | 0.6052% | 2,155 |
| Noninterest expense to average assets | 1.8843% | 4,355 |
| Loan and lease loss provision to assets | 0.1074% | 2,977 |
| Net operating income to assets | 0.9409% | 2,559 |
| Return on assets (ROA) | 0.9813% | 2,544 |
| Pretax return on assets | 1.1682% | 2,496 |
| Return on Equity (ROE) | 10.3004% | 1,908 |
| Retained earnings to average equity (ytd only) | 6.8732% | 1,749 |
| Net charge-offs to loans | -0.0007% | 3,789 |
| Credit loss provision to net charge-offs | -42,050.0000% | 4,450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5540% | 3,294 |
| Assets per employee ($millions) | 8.6154% | 805 |
| Cash dividends to net income (ytd only)* | 33.2726% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2738% | 2,275 |
| Loan loss allowance to noncurrent loans | 546.1303% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.0870% | 3,997 |
| Noncurrent loans to loans | 0.2332% | 3,467 |
| Net loans and leases to total assets | 36.8286% | 4,649 |
| Net loans and leases to deposits | 42.1929% | 4,695 |
| Net loans and leases to core deposits | 42.3720% | 4,738 |
| Total domestic deposits to total assets | 87.2861% | 1,549 |
| Equity capital to assets | 9.2452% | 3,913 |
| Core capital (leverage) ratio | 9.0493% | 3,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,044,173,750 | 832 |
| Average earning assets | $983,932,000 | 813 |
| Average equity | $99,475,500 | 962 |
| Average total loans | $402,144,250 | 1,339 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8224% | 4,898 |
| Cost of funding earning assets | 0.0920% | 4,986 |
| Net interest margin | 2.7304% | 4,527 |
| Noninterest income to average assets | 0.6128% | 2,085 |
| Noninterest expense to average assets | 1.9574% | 4,316 |
| Loan and lease loss provision to assets | 0.0762% | 3,340 |
| Net operating income to assets | 0.9620% | 2,451 |
| Return on assets (ROA) | 1.0244% | 2,368 |
| Pretax return on assets | 1.2191% | 2,300 |
| Return on Equity (ROE) | 10.6364% | 1,758 |
| Retained earnings to average equity (ytd only) | 6.9451% | 1,686 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5842% | 3,187 |
| Assets per employee ($millions) | 8.4882% | 809 |
| Cash dividends to net income (ytd only)* | 34.7041% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 2,730 |
| Loan loss allowance to noncurrent loans | 551.9685% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.0799% | 4,124 |
| Noncurrent loans to loans | 0.2102% | 3,630 |
| Net loans and leases to total assets | 37.5899% | 4,683 |
| Net loans and leases to deposits | 43.1760% | 4,719 |
| Net loans and leases to core deposits | 43.3465% | 4,765 |
| Total domestic deposits to total assets | 87.0620% | 1,594 |
| Equity capital to assets | 9.2754% | 3,858 |
| Core capital (leverage) ratio | 9.5983% | 3,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,016,025,667 | 833 |
| Average earning assets | $954,715,667 | 826 |
| Average equity | $97,853,000 | 963 |
| Average total loans | $395,853,333 | 1,337 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0773% | 4,921 |
| Cost of funding earning assets | 0.0950% | 5,048 |
| Net interest margin | 2.9824% | 4,311 |
| Noninterest income to average assets | 0.6756% | 1,748 |
| Noninterest expense to average assets | 2.0358% | 4,333 |
| Loan and lease loss provision to assets | 0.1673% | 1,753 |
| Net operating income to assets | 1.0523% | 1,995 |
| Return on assets (ROA) | 1.1648% | 1,753 |
| Pretax return on assets | 1.3978% | 1,570 |
| Return on Equity (ROE) | 11.8432% | 1,145 |
| Retained earnings to average equity (ytd only) | 6.9992% | 1,534 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7457% | 3,905 |
| Assets per employee ($millions) | 6.8834% | 1,148 |
| Cash dividends to net income (ytd only)* | 40.9010% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2711% | 2,278 |
| Loan loss allowance to noncurrent loans | 301.5922% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.1659% | 3,836 |
| Noncurrent loans to loans | 0.4215% | 2,982 |
| Net loans and leases to total assets | 38.8610% | 4,702 |
| Net loans and leases to deposits | 45.1064% | 4,740 |
| Net loans and leases to core deposits | 45.2975% | 4,788 |
| Total domestic deposits to total assets | 86.1539% | 1,941 |
| Equity capital to assets | 10.1371% | 3,665 |
| Core capital (leverage) ratio | 10.3380% | 3,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $968,064,500 | 849 |
| Average earning assets | $905,593,000 | 837 |
| Average equity | $95,210,500 | 979 |
| Average total loans | $382,336,500 | 1,350 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2610% | 4,979 |
| Cost of funding earning assets | 0.1002% | 5,106 |
| Net interest margin | 3.1608% | 4,267 |
| Noninterest income to average assets | 0.7132% | 1,762 |
| Noninterest expense to average assets | 2.2436% | 4,077 |
| Loan and lease loss provision to assets | -0.0057% | 4,923 |
| Net operating income to assets | 1.1849% | 2,114 |
| Return on assets (ROA) | 1.1956% | 2,169 |
| Pretax return on assets | 1.4241% | 2,069 |
| Return on Equity (ROE) | 13.4250% | 1,045 |
| Retained earnings to average equity (ytd only) | 7.6403% | 1,099 |
| Net charge-offs to loans | -0.0042% | 4,314 |
| Credit loss provision to net charge-offs | 337.5000% | 821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4805% | 3,457 |
| Assets per employee ($millions) | 6.2618% | 1,443 |
| Cash dividends to net income (ytd only)* | 43.0889% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 2,445 |
| Loan loss allowance to noncurrent loans | 267.1395% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.1778% | 3,763 |
| Noncurrent loans to loans | 0.4485% | 2,833 |
| Net loans and leases to total assets | 39.1583% | 4,767 |
| Net loans and leases to deposits | 45.5996% | 4,798 |
| Net loans and leases to core deposits | 45.7687% | 4,837 |
| Total domestic deposits to total assets | 85.8742% | 2,112 |
| Equity capital to assets | 9.5228% | 4,336 |
| Core capital (leverage) ratio | 10.1578% | 3,345 |
| Tier 1 risk-based capital ratio | 21.9777% | 1,027 |
| Total risk-based capital ratio | 23.1190% | 1,021 |
| Memoranda: | ||
| Average total assets | $948,783,600 | 825 |
| Average earning assets | $881,320,600 | 821 |
| Average equity | $84,499,000 | 1,038 |
| Average total loans | $383,266,800 | 1,311 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2797% | 5,073 |
| Cost of funding earning assets | 0.1019% | 5,182 |
| Net interest margin | 3.1778% | 4,349 |
| Noninterest income to average assets | 0.7205% | 1,697 |
| Noninterest expense to average assets | 2.1148% | 4,336 |
| Loan and lease loss provision to assets | -0.0134% | 5,064 |
| Net operating income to assets | 1.3147% | 1,793 |
| Return on assets (ROA) | 1.3230% | 1,830 |
| Pretax return on assets | 1.5808% | 1,700 |
| Return on Equity (ROE) | 15.1178% | 753 |
| Retained earnings to average equity (ytd only) | 8.8261% | 1,094 |
| Net charge-offs to loans | -0.0052% | 4,217 |
| Credit loss provision to net charge-offs | 633.3333% | 516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5866% | 3,993 |
| Assets per employee ($millions) | 6.6280% | 1,211 |
| Cash dividends to net income (ytd only)* | 41.6180% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 2,631 |
| Loan loss allowance to noncurrent loans | 263.5668% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.1780% | 3,860 |
| Noncurrent loans to loans | 0.4462% | 2,971 |
| Net loans and leases to total assets | 39.4249% | 4,833 |
| Net loans and leases to deposits | 46.0927% | 4,872 |
| Net loans and leases to core deposits | 46.3329% | 4,912 |
| Total domestic deposits to total assets | 85.5339% | 2,196 |
| Equity capital to assets | 9.5050% | 4,445 |
| Core capital (leverage) ratio | 10.0121% | 3,631 |
| Tier 1 risk-based capital ratio | 21.7476% | 1,104 |
| Total risk-based capital ratio | 22.8850% | 1,092 |
| Memoranda: | ||
| Average total assets | $948,029,750 | 828 |
| Average earning assets | $880,635,000 | 821 |
| Average equity | $82,964,250 | 1,048 |
| Average total loans | $384,776,500 | 1,315 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2795% | 5,130 |
| Cost of funding earning assets | 0.1008% | 5,226 |
| Net interest margin | 3.1787% | 4,403 |
| Noninterest income to average assets | 0.7142% | 1,660 |
| Noninterest expense to average assets | 2.1171% | 4,384 |
| Loan and lease loss provision to assets | -0.0055% | 5,108 |
| Net operating income to assets | 1.3067% | 1,743 |
| Return on assets (ROA) | 1.2737% | 1,932 |
| Pretax return on assets | 1.5173% | 1,805 |
| Return on Equity (ROE) | 14.9889% | 762 |
| Retained earnings to average equity (ytd only) | 8.0717% | 1,360 |
| Net charge-offs to loans | -0.0073% | 4,227 |
| Credit loss provision to net charge-offs | 185.7143% | 1,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7151% | 4,045 |
| Assets per employee ($millions) | 6.5973% | 1,193 |
| Cash dividends to net income (ytd only)* | 46.1487% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1659% | 2,688 |
| Loan loss allowance to noncurrent loans | 328.7057% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.1436% | 4,046 |
| Noncurrent loans to loans | 0.3547% | 3,273 |
| Net loans and leases to total assets | 40.0081% | 4,845 |
| Net loans and leases to deposits | 46.3593% | 4,891 |
| Net loans and leases to core deposits | 46.5971% | 4,938 |
| Total domestic deposits to total assets | 86.3000% | 1,893 |
| Equity capital to assets | 9.0563% | 4,766 |
| Core capital (leverage) ratio | 9.7719% | 3,857 |
| Tier 1 risk-based capital ratio | 20.9675% | 1,179 |
| Total risk-based capital ratio | 22.1025% | 1,180 |
| Memoranda: | ||
| Average total assets | $945,895,330 | 821 |
| Average earning assets | $879,025,000 | 819 |
| Average equity | $80,379,330 | 1,080 |
| Average total loans | $386,114,670 | 1,315 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2208% | 5,205 |
| Cost of funding earning assets | 0.1020% | 5,281 |
| Net interest margin | 3.1187% | 4,554 |
| Noninterest income to average assets | 0.7132% | 1,564 |
| Noninterest expense to average assets | 2.0866% | 4,481 |
| Loan and lease loss provision to assets | -0.0358% | 5,244 |
| Net operating income to assets | 1.3074% | 1,675 |
| Return on assets (ROA) | 1.2458% | 1,950 |
| Pretax return on assets | 1.4852% | 1,820 |
| Return on Equity (ROE) | 15.1728% | 717 |
| Retained earnings to average equity (ytd only) | 9.2367% | 1,240 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8101% | 4,107 |
| Assets per employee ($millions) | 6.3967% | 1,293 |
| Cash dividends to net income (ytd only)* | 39.1230% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1563% | 2,809 |
| Loan loss allowance to noncurrent loans | 108.5395% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 0.4384% | 2,836 |
| Noncurrent loans to loans | 1.0653% | 1,565 |
| Net loans and leases to total assets | 40.6727% | 4,872 |
| Net loans and leases to deposits | 46.7909% | 4,906 |
| Net loans and leases to core deposits | 47.0503% | 4,960 |
| Total domestic deposits to total assets | 86.9244% | 1,853 |
| Equity capital to assets | 8.6067% | 4,922 |
| Core capital (leverage) ratio | 9.9666% | 3,639 |
| Tier 1 risk-based capital ratio | 20.9092% | 1,175 |
| Total risk-based capital ratio | 22.0519% | 1,171 |
| Memoranda: | ||
| Average total assets | $937,240,000 | 831 |
| Average earning assets | $870,355,000 | 830 |
| Average equity | $76,953,500 | 1,112 |
| Average total loans | $384,219,000 | 1,329 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1330% | 5,180 |
| Cost of funding earning assets | 0.1084% | 5,266 |
| Net interest margin | 3.0246% | 4,772 |
| Noninterest income to average assets | 0.7727% | 1,560 |
| Noninterest expense to average assets | 2.3050% | 4,110 |
| Loan and lease loss provision to assets | 0.2000% | 946 |
| Net operating income to assets | 0.9435% | 3,272 |
| Return on assets (ROA) | 0.9414% | 3,269 |
| Pretax return on assets | 1.0848% | 3,327 |
| Return on Equity (ROE) | 12.6660% | 1,479 |
| Retained earnings to average equity (ytd only) | 6.4785% | 1,936 |
| Net charge-offs to loans | 0.4763% | 383 |
| Credit loss provision to net charge-offs | 108.3285% | 2,367 |
| Earnings coverage of net charge-offs (x) | 6.9724% | 3,028 |
| Efficiency ratio | 64.1664% | 3,164 |
| Assets per employee ($millions) | 6.1459% | 1,421 |
| Cash dividends to net income (ytd only)* | 48.8511% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 2,597 |
| Loan loss allowance to noncurrent loans | 105.5093% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 0.4624% | 2,714 |
| Noncurrent loans to loans | 1.1323% | 1,414 |
| Net loans and leases to total assets | 40.3520% | 4,932 |
| Net loans and leases to deposits | 45.7270% | 4,992 |
| Net loans and leases to core deposits | 45.9642% | 5,040 |
| Total domestic deposits to total assets | 88.2455% | 1,184 |
| Equity capital to assets | 7.8120% | 5,217 |
| Core capital (leverage) ratio | 9.4463% | 4,177 |
| Tier 1 risk-based capital ratio | 20.3035% | 1,256 |
| Total risk-based capital ratio | 21.4675% | 1,251 |
| Memoranda: | ||
| Average total assets | $943,040,400 | 807 |
| Average earning assets | $879,091,400 | 801 |
| Average equity | $70,093,400 | 1,159 |
| Average total loans | $365,497,200 | 1,344 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0784% | 5,254 |
| Cost of funding earning assets | 0.1089% | 5,332 |
| Net interest margin | 2.9695% | 4,892 |
| Noninterest income to average assets | 0.8026% | 1,464 |
| Noninterest expense to average assets | 2.2616% | 4,195 |
| Loan and lease loss provision to assets | 0.2382% | 674 |
| Net operating income to assets | 0.9356% | 3,368 |
| Return on assets (ROA) | 0.9328% | 3,391 |
| Pretax return on assets | 1.0695% | 3,501 |
| Return on Equity (ROE) | 12.7098% | 1,535 |
| Retained earnings to average equity (ytd only) | 7.1900% | 2,033 |
| Net charge-offs to loans | 0.6421% | 224 |
| Credit loss provision to net charge-offs | 97.0132% | 2,337 |
| Earnings coverage of net charge-offs (x) | 5.3383% | 2,963 |
| Efficiency ratio | 63.3054% | 3,291 |
| Assets per employee ($millions) | 6.1644% | 1,373 |
| Cash dividends to net income (ytd only)* | 43.4296% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2022% | 2,610 |
| Loan loss allowance to noncurrent loans | 72.3291% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 0.6391% | 2,273 |
| Noncurrent loans to loans | 1.6621% | 937 |
| Net loans and leases to total assets | 37.9911% | 5,083 |
| Net loans and leases to deposits | 42.7586% | 5,137 |
| Net loans and leases to core deposits | 43.0440% | 5,179 |
| Total domestic deposits to total assets | 88.8502% | 896 |
| Equity capital to assets | 7.1504% | 5,366 |
| Core capital (leverage) ratio | 9.0712% | 4,638 |
| Tier 1 risk-based capital ratio | 20.5587% | 1,238 |
| Total risk-based capital ratio | 21.7685% | 1,219 |
| Memoranda: | ||
| Average total assets | $945,257,750 | 805 |
| Average earning assets | $881,746,750 | 800 |
| Average equity | $69,372,500 | 1,165 |
| Average total loans | $361,492,750 | 1,358 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0006% | 5,335 |
| Cost of funding earning assets | 0.1091% | 5,382 |
| Net interest margin | 2.8915% | 5,023 |
| Noninterest income to average assets | 0.8470% | 1,328 |
| Noninterest expense to average assets | 2.2851% | 4,179 |
| Loan and lease loss provision to assets | 0.0977% | 1,984 |
| Net operating income to assets | 1.0194% | 2,928 |
| Return on assets (ROA) | 1.0161% | 2,954 |
| Pretax return on assets | 1.1673% | 3,062 |
| Return on Equity (ROE) | 13.7281% | 1,149 |
| Retained earnings to average equity (ytd only) | 7.3011% | 1,918 |
| Net charge-offs to loans | 0.3667% | 430 |
| Credit loss provision to net charge-offs | 69.7885% | 2,348 |
| Earnings coverage of net charge-offs (x) | 9.0650% | 2,422 |
| Efficiency ratio | 64.2989% | 3,277 |
| Assets per employee ($millions) | 6.2418% | 1,304 |
| Cash dividends to net income (ytd only)* | 46.8165% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1835% | 2,818 |
| Loan loss allowance to noncurrent loans | 50.8325% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 0.8512% | 1,752 |
| Noncurrent loans to loans | 2.3282% | 582 |
| Net loans and leases to total assets | 36.1266% | 5,175 |
| Net loans and leases to deposits | 40.4977% | 5,234 |
| Net loans and leases to core deposits | 40.7495% | 5,268 |
| Total domestic deposits to total assets | 89.2065% | 849 |
| Equity capital to assets | 7.0575% | 5,442 |
| Core capital (leverage) ratio | 9.1232% | 4,550 |
| Tier 1 risk-based capital ratio | 20.5454% | 1,238 |
| Total risk-based capital ratio | 21.7277% | 1,227 |
| Memoranda: | ||
| Average total assets | $945,959,670 | 806 |
| Average earning assets | $885,564,670 | 793 |
| Average equity | $70,017,000 | 1,158 |
| Average total loans | $361,099,000 | 1,359 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9994% | 5,372 |
| Cost of funding earning assets | 0.1092% | 5,437 |
| Net interest margin | 2.8902% | 5,045 |
| Noninterest income to average assets | 0.9450% | 1,034 |
| Noninterest expense to average assets | 2.3423% | 4,076 |
| Loan and lease loss provision to assets | 0.2382% | 643 |
| Net operating income to assets | 0.9647% | 3,006 |
| Return on assets (ROA) | 0.9647% | 3,031 |
| Pretax return on assets | 1.0677% | 3,291 |
| Return on Equity (ROE) | 12.7247% | 1,342 |
| Retained earnings to average equity (ytd only) | 6.3510% | 2,565 |
| Net charge-offs to loans | 0.7282% | 206 |
| Credit loss provision to net charge-offs | 83.8369% | 1,709 |
| Earnings coverage of net charge-offs (x) | 4.5967% | 2,287 |
| Efficiency ratio | 64.2042% | 3,447 |
| Assets per employee ($millions) | 6.1000% | 1,430 |
| Cash dividends to net income (ytd only)* | 50.0890% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 2,884 |
| Loan loss allowance to noncurrent loans | 47.1839% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 0.9715% | 1,623 |
| Noncurrent loans to loans | 2.5168% | 541 |
| Net loans and leases to total assets | 38.1406% | 5,133 |
| Net loans and leases to deposits | 42.8460% | 5,193 |
| Net loans and leases to core deposits | 43.1235% | 5,235 |
| Total domestic deposits to total assets | 89.0180% | 1,081 |
| Equity capital to assets | 7.3162% | 5,472 |
| Core capital (leverage) ratio | 9.3303% | 4,281 |
| Tier 1 risk-based capital ratio | 20.0872% | 1,327 |
| Total risk-based capital ratio | 21.2009% | 1,323 |
| Memoranda: | ||
| Average total assets | $932,082,000 | 819 |
| Average earning assets | $871,776,000 | 813 |
| Average equity | $70,665,500 | 1,161 |
| Average total loans | $363,657,000 | 1,360 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8720% | 5,431 |
| Cost of funding earning assets | 0.1173% | 5,428 |
| Net interest margin | 2.7547% | 5,222 |
| Noninterest income to average assets | 0.6503% | 2,192 |
| Noninterest expense to average assets | 2.1837% | 4,561 |
| Loan and lease loss provision to assets | 0.1479% | 1,540 |
| Net operating income to assets | 0.4922% | 4,392 |
| Return on assets (ROA) | 0.4946% | 4,424 |
| Pretax return on assets | 0.9023% | 3,921 |
| Return on Equity (ROE) | 6.1498% | 3,695 |
| Retained earnings to average equity (ytd only) | 2.4112% | 3,888 |
| Net charge-offs to loans | 0.3210% | 789 |
| Credit loss provision to net charge-offs | 121.5290% | 2,151 |
| Earnings coverage of net charge-offs (x) | 8.5975% | 2,889 |
| Efficiency ratio | 67.6037% | 2,980 |
| Assets per employee ($millions) | 5.8161% | 1,644 |
| Cash dividends to net income (ytd only)* | 60.7915% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 2,718 |
| Loan loss allowance to noncurrent loans | 49.0988% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 0.9719% | 1,592 |
| Noncurrent loans to loans | 2.4644% | 547 |
| Net loans and leases to total assets | 38.9615% | 5,176 |
| Net loans and leases to deposits | 44.1084% | 5,246 |
| Net loans and leases to core deposits | 44.3840% | 5,286 |
| Total domestic deposits to total assets | 88.3314% | 1,336 |
| Equity capital to assets | 7.8509% | 5,440 |
| Core capital (leverage) ratio | 9.1258% | 4,493 |
| Tier 1 risk-based capital ratio | 19.7758% | 1,364 |
| Total risk-based capital ratio | 20.9937% | 1,338 |
| Memoranda: | ||
| Average total assets | $934,988,000 | 796 |
| Average earning assets | $875,621,600 | 772 |
| Average equity | $75,189,400 | 1,068 |
| Average total loans | $354,524,600 | 1,370 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8325% | 5,509 |
| Cost of funding earning assets | 0.1190% | 5,483 |
| Net interest margin | 2.7136% | 5,310 |
| Noninterest income to average assets | 0.6491% | 2,214 |
| Noninterest expense to average assets | 2.2162% | 4,490 |
| Loan and lease loss provision to assets | 0.1940% | 987 |
| Net operating income to assets | 0.6143% | 4,336 |
| Return on assets (ROA) | 0.6172% | 4,370 |
| Pretax return on assets | 0.7824% | 4,395 |
| Return on Equity (ROE) | 7.6303% | 3,332 |
| Retained earnings to average equity (ytd only) | 2.6442% | 4,313 |
| Net charge-offs to loans | 0.4311% | 488 |
| Credit loss provision to net charge-offs | 119.8594% | 2,009 |
| Earnings coverage of net charge-offs (x) | 6.0105% | 3,033 |
| Efficiency ratio | 69.4970% | 2,621 |
| Assets per employee ($millions) | 5.9087% | 1,569 |
| Cash dividends to net income (ytd only)* | 65.3457% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2123% | 2,858 |
| Loan loss allowance to noncurrent loans | 49.7171% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 0.9407% | 1,812 |
| Noncurrent loans to loans | 2.4384% | 637 |
| Net loans and leases to total assets | 38.1122% | 5,262 |
| Net loans and leases to deposits | 43.3299% | 5,325 |
| Net loans and leases to core deposits | 43.6047% | 5,373 |
| Total domestic deposits to total assets | 87.9583% | 1,384 |
| Equity capital to assets | 8.2881% | 5,400 |
| Core capital (leverage) ratio | 8.8798% | 4,889 |
| Tier 1 risk-based capital ratio | 19.7994% | 1,411 |
| Total risk-based capital ratio | 21.0098% | 1,383 |
| Memoranda: | ||
| Average total assets | $937,545,500 | 796 |
| Average earning assets | $877,540,250 | 778 |
| Average equity | $75,836,250 | 1,068 |
| Average total loans | $351,977,500 | 1,384 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8031% | 5,556 |
| Cost of funding earning assets | 0.1218% | 5,498 |
| Net interest margin | 2.6813% | 5,378 |
| Noninterest income to average assets | 0.6413% | 2,245 |
| Noninterest expense to average assets | 2.2214% | 4,528 |
| Loan and lease loss provision to assets | 0.0288% | 3,421 |
| Net operating income to assets | 0.6890% | 3,892 |
| Return on assets (ROA) | 0.6951% | 3,934 |
| Pretax return on assets | 0.9083% | 3,905 |
| Return on Equity (ROE) | 8.6642% | 2,687 |
| Retained earnings to average equity (ytd only) | 2.7994% | 4,034 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5061% | 2,584 |
| Assets per employee ($millions) | 6.0632% | 1,409 |
| Cash dividends to net income (ytd only)* | 67.6904% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 2,933 |
| Loan loss allowance to noncurrent loans | 45.6406% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 0.9780% | 1,797 |
| Noncurrent loans to loans | 2.6602% | 535 |
| Net loans and leases to total assets | 36.3157% | 5,370 |
| Net loans and leases to deposits | 41.0124% | 5,422 |
| Net loans and leases to core deposits | 41.2764% | 5,462 |
| Total domestic deposits to total assets | 88.5480% | 1,178 |
| Equity capital to assets | 8.0330% | 5,522 |
| Core capital (leverage) ratio | 8.9310% | 4,801 |
| Tier 1 risk-based capital ratio | 19.9865% | 1,376 |
| Total risk-based capital ratio | 21.1043% | 1,366 |
| Memoranda: | ||
| Average total assets | $936,902,000 | 803 |
| Average earning assets | $876,805,000 | 783 |
| Average equity | $75,160,000 | 1,078 |
| Average total loans | $348,487,000 | 1,398 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8006% | 5,599 |
| Cost of funding earning assets | 0.1237% | 5,535 |
| Net interest margin | 2.6769% | 5,411 |
| Noninterest income to average assets | 0.6373% | 2,238 |
| Noninterest expense to average assets | 2.1505% | 4,753 |
| Loan and lease loss provision to assets | 0.0329% | 3,129 |
| Net operating income to assets | 0.7240% | 3,602 |
| Return on assets (ROA) | 0.7586% | 3,490 |
| Pretax return on assets | 1.0025% | 3,361 |
| Return on Equity (ROE) | 9.4624% | 2,202 |
| Retained earnings to average equity (ytd only) | 3.4910% | 3,691 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4784% | 3,127 |
| Assets per employee ($millions) | 5.8418% | 1,615 |
| Cash dividends to net income (ytd only)* | 63.1068% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2215% | 3,000 |
| Loan loss allowance to noncurrent loans | 44.0249% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 1.0707% | 1,680 |
| Noncurrent loans to loans | 2.7745% | 525 |
| Net loans and leases to total assets | 36.4909% | 5,384 |
| Net loans and leases to deposits | 41.2586% | 5,431 |
| Net loans and leases to core deposits | 41.5164% | 5,482 |
| Total domestic deposits to total assets | 88.4443% | 1,462 |
| Equity capital to assets | 7.9506% | 5,542 |
| Core capital (leverage) ratio | 9.1654% | 4,528 |
| Tier 1 risk-based capital ratio | 19.9938% | 1,392 |
| Total risk-based capital ratio | 21.1018% | 1,391 |
| Memoranda: | ||
| Average total assets | $923,326,000 | 813 |
| Average earning assets | $863,388,500 | 806 |
| Average equity | $74,019,000 | 1,084 |
| Average total loans | $345,527,500 | 1,412 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7908% | 5,649 |
| Cost of funding earning assets | 0.1308% | 5,542 |
| Net interest margin | 2.6600% | 5,465 |
| Noninterest income to average assets | 0.6540% | 2,402 |
| Noninterest expense to average assets | 2.3079% | 4,539 |
| Loan and lease loss provision to assets | 0.0092% | 4,183 |
| Net operating income to assets | 0.6365% | 4,061 |
| Return on assets (ROA) | 0.7031% | 3,877 |
| Pretax return on assets | 0.9279% | 3,741 |
| Return on Equity (ROE) | 7.9733% | 2,948 |
| Retained earnings to average equity (ytd only) | 1.3148% | 4,751 |
| Net charge-offs to loans | 0.2414% | 1,154 |
| Credit loss provision to net charge-offs | 10.0851% | 3,739 |
| Earnings coverage of net charge-offs (x) | 9.2940% | 2,767 |
| Efficiency ratio | 73.0953% | 2,418 |
| Assets per employee ($millions) | 5.6989% | 1,695 |
| Cash dividends to net income (ytd only)* | 83.5097% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2130% | 3,043 |
| Loan loss allowance to noncurrent loans | 38.4715% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 1.3462% | 1,288 |
| Noncurrent loans to loans | 3.1530% | 416 |
| Net loans and leases to total assets | 37.4602% | 5,421 |
| Net loans and leases to deposits | 42.4272% | 5,480 |
| Net loans and leases to core deposits | 42.6820% | 5,533 |
| Total domestic deposits to total assets | 88.2930% | 1,493 |
| Equity capital to assets | 8.0850% | 5,523 |
| Core capital (leverage) ratio | 9.0903% | 4,630 |
| Tier 1 risk-based capital ratio | 20.0626% | 1,366 |
| Total risk-based capital ratio | 21.1500% | 1,360 |
| Memoranda: | ||
| Average total assets | $900,430,600 | 804 |
| Average earning assets | $847,396,400 | 775 |
| Average equity | $79,402,600 | 995 |
| Average total loans | $340,932,000 | 1,374 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7943% | 5,718 |
| Cost of funding earning assets | 0.1302% | 5,614 |
| Net interest margin | 2.6641% | 5,531 |
| Noninterest income to average assets | 0.6635% | 2,351 |
| Noninterest expense to average assets | 2.2945% | 4,545 |
| Loan and lease loss provision to assets | -0.0062% | 5,641 |
| Net operating income to assets | 0.6648% | 4,022 |
| Return on assets (ROA) | 0.7522% | 3,727 |
| Pretax return on assets | 1.0020% | 3,623 |
| Return on Equity (ROE) | 8.3551% | 2,828 |
| Retained earnings to average equity (ytd only) | 2.5583% | 4,380 |
| Net charge-offs to loans | 0.2476% | 948 |
| Credit loss provision to net charge-offs | -6.6456% | 4,606 |
| Earnings coverage of net charge-offs (x) | 9.3797% | 2,681 |
| Efficiency ratio | 72.2978% | 2,533 |
| Assets per employee ($millions) | 5.7625% | 1,609 |
| Cash dividends to net income (ytd only)* | 69.3809% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2478% | 2,970 |
| Loan loss allowance to noncurrent loans | 32.1220% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 1.4750% | 1,225 |
| Noncurrent loans to loans | 3.8844% | 293 |
| Net loans and leases to total assets | 36.3447% | 5,538 |
| Net loans and leases to deposits | 41.6575% | 5,591 |
| Net loans and leases to core deposits | 41.9115% | 5,634 |
| Total domestic deposits to total assets | 87.2465% | 1,779 |
| Equity capital to assets | 8.9841% | 5,193 |
| Core capital (leverage) ratio | 9.0897% | 4,730 |
| Tier 1 risk-based capital ratio | 20.7263% | 1,316 |
| Total risk-based capital ratio | 21.8617% | 1,306 |
| Memoranda: | ||
| Average total assets | $899,007,250 | 802 |
| Average earning assets | $847,048,000 | 775 |
| Average equity | $80,938,250 | 983 |
| Average total loans | $340,264,000 | 1,374 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8194% | 5,793 |
| Cost of funding earning assets | 0.1275% | 5,710 |
| Net interest margin | 2.6919% | 5,579 |
| Noninterest income to average assets | 0.6660% | 2,303 |
| Noninterest expense to average assets | 2.3235% | 4,544 |
| Loan and lease loss provision to assets | -0.0034% | 5,747 |
| Net operating income to assets | 0.6610% | 3,993 |
| Return on assets (ROA) | 0.7566% | 3,670 |
| Pretax return on assets | 1.0081% | 3,549 |
| Return on Equity (ROE) | 8.3978% | 2,794 |
| Retained earnings to average equity (ytd only) | 3.6709% | 3,553 |
| Net charge-offs to loans | 0.3441% | 683 |
| Credit loss provision to net charge-offs | -2.5597% | 4,437 |
| Earnings coverage of net charge-offs (x) | 6.6724% | 2,718 |
| Efficiency ratio | 72.5903% | 2,573 |
| Assets per employee ($millions) | 5.7058% | 1,618 |
| Cash dividends to net income (ytd only)* | 56.2871% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 3,065 |
| Loan loss allowance to noncurrent loans | 32.2912% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 1.5034% | 1,273 |
| Noncurrent loans to loans | 3.8739% | 319 |
| Net loans and leases to total assets | 36.7832% | 5,570 |
| Net loans and leases to deposits | 42.1403% | 5,615 |
| Net loans and leases to core deposits | 42.3733% | 5,670 |
| Total domestic deposits to total assets | 87.2875% | 1,763 |
| Equity capital to assets | 9.0415% | 5,208 |
| Core capital (leverage) ratio | 9.1795% | 4,625 |
| Tier 1 risk-based capital ratio | 20.7507% | 1,300 |
| Total risk-based capital ratio | 21.9069% | 1,297 |
| Memoranda: | ||
| Average total assets | $891,344,670 | 810 |
| Average earning assets | $839,324,000 | 785 |
| Average equity | $80,306,670 | 990 |
| Average total loans | $340,575,330 | 1,372 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8412% | 5,826 |
| Cost of funding earning assets | 0.1283% | 5,763 |
| Net interest margin | 2.7128% | 5,600 |
| Noninterest income to average assets | 0.6726% | 2,159 |
| Noninterest expense to average assets | 2.5207% | 4,010 |
| Loan and lease loss provision to assets | -0.0306% | 5,925 |
| Net operating income to assets | 0.5724% | 4,303 |
| Return on assets (ROA) | 0.6337% | 4,159 |
| Pretax return on assets | 0.8125% | 4,156 |
| Return on Equity (ROE) | 7.0469% | 3,428 |
| Retained earnings to average equity (ytd only) | 0.5644% | 4,976 |
| Net charge-offs to loans | 0.6743% | 320 |
| Credit loss provision to net charge-offs | -11.7338% | 4,087 |
| Earnings coverage of net charge-offs (x) | 2.6935% | 2,648 |
| Efficiency ratio | 78.1875% | 1,874 |
| Assets per employee ($millions) | 5.4530% | 1,866 |
| Cash dividends to net income (ytd only)* | 91.9913% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2675% | 3,071 |
| Loan loss allowance to noncurrent loans | 43.4561% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 1.1794% | 1,868 |
| Noncurrent loans to loans | 2.9168% | 568 |
| Net loans and leases to total assets | 37.4200% | 5,580 |
| Net loans and leases to deposits | 42.9158% | 5,628 |
| Net loans and leases to core deposits | 43.1484% | 5,683 |
| Total domestic deposits to total assets | 87.1941% | 2,107 |
| Equity capital to assets | 9.0616% | 5,112 |
| Core capital (leverage) ratio | 9.5336% | 4,128 |
| Tier 1 risk-based capital ratio | 20.9484% | 1,327 |
| Total risk-based capital ratio | 22.1353% | 1,310 |
| Memoranda: | ||
| Average total assets | $874,850,500 | 830 |
| Average earning assets | $822,765,000 | 810 |
| Average equity | $78,673,000 | 1,012 |
| Average total loans | $338,710,000 | 1,372 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9990% | 5,726 |
| Cost of funding earning assets | 0.1413% | 5,739 |
| Net interest margin | 2.8576% | 5,404 |
| Noninterest income to average assets | 0.6667% | 2,369 |
| Noninterest expense to average assets | 2.3859% | 4,546 |
| Loan and lease loss provision to assets | 0.0431% | 3,469 |
| Net operating income to assets | 0.6884% | 3,872 |
| Return on assets (ROA) | 0.7146% | 3,848 |
| Pretax return on assets | 0.9421% | 3,687 |
| Return on Equity (ROE) | 7.6897% | 3,142 |
| Retained earnings to average equity (ytd only) | 1.1257% | 5,065 |
| Net charge-offs to loans | 0.0462% | 3,291 |
| Credit loss provision to net charge-offs | 234.6154% | 1,217 |
| Earnings coverage of net charge-offs (x) | 51.7308% | 975 |
| Efficiency ratio | 71.5073% | 2,981 |
| Assets per employee ($millions) | 5.1860% | 2,134 |
| Cash dividends to net income (ytd only)* | 85.3610% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4412% | 2,250 |
| Loan loss allowance to noncurrent loans | 47.5397% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 1.4575% | 1,410 |
| Noncurrent loans to loans | 3.0316% | 524 |
| Net loans and leases to total assets | 38.9886% | 5,576 |
| Net loans and leases to deposits | 44.4943% | 5,633 |
| Net loans and leases to core deposits | 44.7416% | 5,693 |
| Total domestic deposits to total assets | 87.6261% | 1,835 |
| Equity capital to assets | 8.9217% | 5,198 |
| Core capital (leverage) ratio | 9.6719% | 3,940 |
| Tier 1 risk-based capital ratio | 20.9502% | 1,309 |
| Total risk-based capital ratio | 22.2013% | 1,283 |
| Memoranda: | ||
| Average total assets | $848,854,400 | 816 |
| Average earning assets | $793,104,200 | 793 |
| Average equity | $78,884,600 | 965 |
| Average total loans | $337,932,400 | 1,323 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0275% | 5,787 |
| Cost of funding earning assets | 0.1435% | 5,824 |
| Net interest margin | 2.8840% | 5,443 |
| Noninterest income to average assets | 0.6925% | 2,265 |
| Noninterest expense to average assets | 2.4220% | 4,451 |
| Loan and lease loss provision to assets | 0.0572% | 3,044 |
| Net operating income to assets | 0.6865% | 3,960 |
| Return on assets (ROA) | 0.7092% | 3,970 |
| Pretax return on assets | 0.9351% | 3,868 |
| Return on Equity (ROE) | 7.5544% | 3,308 |
| Retained earnings to average equity (ytd only) | 1.3248% | 5,188 |
| Net charge-offs to loans | 0.0617% | 2,711 |
| Credit loss provision to net charge-offs | 232.6923% | 1,199 |
| Earnings coverage of net charge-offs (x) | 39.1419% | 1,266 |
| Efficiency ratio | 71.5616% | 2,952 |
| Assets per employee ($millions) | 4.9097% | 2,406 |
| Cash dividends to net income (ytd only)* | 82.4627% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4382% | 2,418 |
| Loan loss allowance to noncurrent loans | 34.3752% | 5,339 |
| Noncurrent assets plus other real estate owned to assets | 2.1118% | 931 |
| Noncurrent loans to loans | 4.1838% | 293 |
| Net loans and leases to total assets | 39.3487% | 5,628 |
| Net loans and leases to deposits | 45.1575% | 5,682 |
| Net loans and leases to core deposits | 45.4108% | 5,753 |
| Total domestic deposits to total assets | 87.1365% | 1,963 |
| Equity capital to assets | 9.4739% | 4,782 |
| Core capital (leverage) ratio | 9.6038% | 4,161 |
| Tier 1 risk-based capital ratio | 20.9474% | 1,349 |
| Total risk-based capital ratio | 22.1987% | 1,324 |
| Memoranda: | ||
| Average total assets | $845,850,750 | 822 |
| Average earning assets | $789,529,750 | 799 |
| Average equity | $79,404,750 | 963 |
| Average total loans | $337,278,250 | 1,332 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0735% | 5,769 |
| Cost of funding earning assets | 0.1461% | 5,877 |
| Net interest margin | 2.9274% | 5,392 |
| Noninterest income to average assets | 0.7010% | 2,211 |
| Noninterest expense to average assets | 2.5325% | 4,130 |
| Loan and lease loss provision to assets | 0.0330% | 3,460 |
| Net operating income to assets | 0.6586% | 4,082 |
| Return on assets (ROA) | 0.6896% | 4,053 |
| Pretax return on assets | 0.9058% | 3,937 |
| Return on Equity (ROE) | 7.3693% | 3,392 |
| Retained earnings to average equity (ytd only) | 1.1002% | 5,130 |
| Net charge-offs to loans | 0.0060% | 3,695 |
| Credit loss provision to net charge-offs | 1,390.0000% | 264 |
| Earnings coverage of net charge-offs (x) | 378.5000% | 182 |
| Efficiency ratio | 73.8243% | 2,699 |
| Assets per employee ($millions) | 4.8772% | 2,427 |
| Cash dividends to net income (ytd only)* | 85.0705% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4313% | 2,607 |
| Loan loss allowance to noncurrent loans | 33.4141% | 5,425 |
| Noncurrent assets plus other real estate owned to assets | 2.1384% | 993 |
| Noncurrent loans to loans | 4.2834% | 327 |
| Net loans and leases to total assets | 39.1721% | 5,679 |
| Net loans and leases to deposits | 45.1348% | 5,719 |
| Net loans and leases to core deposits | 45.3719% | 5,789 |
| Total domestic deposits to total assets | 86.7889% | 2,271 |
| Equity capital to assets | 9.2011% | 5,015 |
| Core capital (leverage) ratio | 9.6100% | 4,126 |
| Tier 1 risk-based capital ratio | 20.5146% | 1,451 |
| Total risk-based capital ratio | 21.8200% | 1,415 |
| Memoranda: | ||
| Average total assets | $843,037,330 | 831 |
| Average earning assets | $786,010,000 | 812 |
| Average equity | $78,894,670 | 974 |
| Average total loans | $336,018,670 | 1,337 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0901% | 5,792 |
| Cost of funding earning assets | 0.1485% | 5,938 |
| Net interest margin | 2.9415% | 5,367 |
| Noninterest income to average assets | 0.6850% | 2,227 |
| Noninterest expense to average assets | 2.4712% | 4,363 |
| Loan and lease loss provision to assets | -0.1999% | 6,265 |
| Net operating income to assets | 0.8436% | 3,038 |
| Return on assets (ROA) | 0.8783% | 2,977 |
| Pretax return on assets | 1.2049% | 2,646 |
| Return on Equity (ROE) | 9.3064% | 2,312 |
| Retained earnings to average equity (ytd only) | 3.5612% | 3,867 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0772% | 3,160 |
| Assets per employee ($millions) | 4.8753% | 2,522 |
| Cash dividends to net income (ytd only)* | 61.7344% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 3,618 |
| Loan loss allowance to noncurrent loans | 24.0797% | 5,667 |
| Noncurrent assets plus other real estate owned to assets | 2.1848% | 1,053 |
| Noncurrent loans to loans | 5.2429% | 239 |
| Net loans and leases to total assets | 39.2154% | 5,645 |
| Net loans and leases to deposits | 45.0741% | 5,707 |
| Net loans and leases to core deposits | 45.3421% | 5,785 |
| Total domestic deposits to total assets | 87.0020% | 2,366 |
| Equity capital to assets | 9.4414% | 4,818 |
| Core capital (leverage) ratio | 9.8679% | 3,797 |
| Tier 1 risk-based capital ratio | 20.7012% | 1,479 |
| Total risk-based capital ratio | 21.8639% | 1,466 |
| Memoranda: | ||
| Average total assets | $840,237,000 | 835 |
| Average earning assets | $783,671,500 | 817 |
| Average equity | $79,300,000 | 967 |
| Average total loans | $335,400,000 | 1,344 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0264% | 6,034 |
| Cost of funding earning assets | 0.1721% | 5,968 |
| Net interest margin | 2.8543% | 5,726 |
| Noninterest income to average assets | 0.7366% | 2,138 |
| Noninterest expense to average assets | 2.4708% | 4,636 |
| Loan and lease loss provision to assets | -0.0663% | 6,081 |
| Net operating income to assets | 0.7334% | 3,718 |
| Return on assets (ROA) | 0.7590% | 3,677 |
| Pretax return on assets | 1.0278% | 3,391 |
| Return on Equity (ROE) | 8.0637% | 3,104 |
| Retained earnings to average equity (ytd only) | 1.6270% | 5,005 |
| Net charge-offs to loans | 0.0054% | 4,827 |
| Credit loss provision to net charge-offs | -3,027.7778% | 6,025 |
| Earnings coverage of net charge-offs (x) | 423.0000% | 125 |
| Efficiency ratio | 72.7204% | 3,084 |
| Assets per employee ($millions) | 4.8952% | 2,464 |
| Cash dividends to net income (ytd only)* | 79.8236% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4153% | 2,876 |
| Loan loss allowance to noncurrent loans | 26.3651% | 5,737 |
| Noncurrent assets plus other real estate owned to assets | 2.2595% | 1,071 |
| Noncurrent loans to loans | 5.3681% | 249 |
| Net loans and leases to total assets | 39.5562% | 5,775 |
| Net loans and leases to deposits | 45.5753% | 5,812 |
| Net loans and leases to core deposits | 45.8294% | 5,901 |
| Total domestic deposits to total assets | 86.7930% | 2,394 |
| Equity capital to assets | 9.4342% | 4,802 |
| Core capital (leverage) ratio | 9.7876% | 3,847 |
| Tier 1 risk-based capital ratio | 21.6741% | 1,276 |
| Total risk-based capital ratio | 22.9253% | 1,254 |
| Memoranda: | ||
| Average total assets | $821,464,200 | 824 |
| Average earning assets | $765,856,800 | 799 |
| Average equity | $77,321,800 | 948 |
| Average total loans | $330,294,800 | 1,326 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0551% | 6,082 |
| Cost of funding earning assets | 0.1758% | 6,028 |
| Net interest margin | 2.8793% | 5,748 |
| Noninterest income to average assets | 0.7432% | 2,123 |
| Noninterest expense to average assets | 2.4976% | 4,532 |
| Loan and lease loss provision to assets | -0.0948% | 6,261 |
| Net operating income to assets | 0.7546% | 3,645 |
| Return on assets (ROA) | 0.7790% | 3,626 |
| Pretax return on assets | 1.0549% | 3,360 |
| Return on Equity (ROE) | 8.2808% | 3,052 |
| Retained earnings to average equity (ytd only) | 1.8459% | 5,129 |
| Net charge-offs to loans | -0.0008% | 5,153 |
| Credit loss provision to net charge-offs | 29,150.0000% | 8 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9288% | 3,012 |
| Assets per employee ($millions) | 4.9130% | 2,361 |
| Cash dividends to net income (ytd only)* | 77.7083% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4447% | 2,968 |
| Loan loss allowance to noncurrent loans | 21.5628% | 5,910 |
| Noncurrent assets plus other real estate owned to assets | 2.7125% | 923 |
| Noncurrent loans to loans | 6.7002% | 184 |
| Net loans and leases to total assets | 39.1455% | 5,871 |
| Net loans and leases to deposits | 45.0921% | 5,923 |
| Net loans and leases to core deposits | 45.4215% | 5,978 |
| Total domestic deposits to total assets | 86.8123% | 2,414 |
| Equity capital to assets | 9.5913% | 4,681 |
| Core capital (leverage) ratio | 9.8204% | 3,914 |
| Tier 1 risk-based capital ratio | 21.6453% | 1,315 |
| Total risk-based capital ratio | 22.8967% | 1,295 |
| Memoranda: | ||
| Average total assets | $820,007,500 | 825 |
| Average earning assets | $763,691,250 | 804 |
| Average equity | $77,140,250 | 957 |
| Average total loans | $329,882,750 | 1,331 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0809% | 6,086 |
| Cost of funding earning assets | 0.1788% | 6,076 |
| Net interest margin | 2.9021% | 5,730 |
| Noninterest income to average assets | 0.7513% | 2,040 |
| Noninterest expense to average assets | 2.4938% | 4,593 |
| Loan and lease loss provision to assets | -0.1018% | 6,379 |
| Net operating income to assets | 0.7777% | 3,438 |
| Return on assets (ROA) | 0.8141% | 3,363 |
| Pretax return on assets | 1.1070% | 3,077 |
| Return on Equity (ROE) | 8.7106% | 2,727 |
| Retained earnings to average equity (ytd only) | 2.6413% | 4,521 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2865% | 3,283 |
| Assets per employee ($millions) | 5.0282% | 2,178 |
| Cash dividends to net income (ytd only)* | 69.6770% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4648% | 3,054 |
| Loan loss allowance to noncurrent loans | 35.9193% | 5,617 |
| Noncurrent assets plus other real estate owned to assets | 1.6857% | 1,933 |
| Noncurrent loans to loans | 4.0780% | 575 |
| Net loans and leases to total assets | 39.5067% | 5,859 |
| Net loans and leases to deposits | 45.3663% | 5,920 |
| Net loans and leases to core deposits | 45.7103% | 6,005 |
| Total domestic deposits to total assets | 87.0839% | 2,412 |
| Equity capital to assets | 9.5792% | 4,653 |
| Core capital (leverage) ratio | 9.7640% | 3,940 |
| Tier 1 risk-based capital ratio | 21.1115% | 1,429 |
| Total risk-based capital ratio | 22.3624% | 1,402 |
| Memoranda: | ||
| Average total assets | $821,491,670 | 831 |
| Average earning assets | $763,869,670 | 802 |
| Average equity | $76,779,670 | 953 |
| Average total loans | $331,866,000 | 1,315 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0162% | 6,227 |
| Cost of funding earning assets | 0.1848% | 6,117 |
| Net interest margin | 2.8313% | 5,876 |
| Noninterest income to average assets | 0.7474% | 1,961 |
| Noninterest expense to average assets | 2.5885% | 4,309 |
| Loan and lease loss provision to assets | -0.1639% | 6,541 |
| Net operating income to assets | 0.7097% | 3,634 |
| Return on assets (ROA) | 0.7303% | 3,618 |
| Pretax return on assets | 0.9811% | 3,401 |
| Return on Equity (ROE) | 7.9130% | 2,968 |
| Retained earnings to average equity (ytd only) | 3.1557% | 4,233 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6320% | 2,707 |
| Assets per employee ($millions) | 4.9095% | 2,363 |
| Cash dividends to net income (ytd only)* | 60.1202% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4816% | 3,220 |
| Loan loss allowance to noncurrent loans | 37.2683% | 5,646 |
| Noncurrent assets plus other real estate owned to assets | 1.6431% | 2,151 |
| Noncurrent loans to loans | 3.9756% | 680 |
| Net loans and leases to total assets | 39.4689% | 5,846 |
| Net loans and leases to deposits | 45.1105% | 5,911 |
| Net loans and leases to core deposits | 45.4914% | 6,021 |
| Total domestic deposits to total assets | 87.4937% | 2,515 |
| Equity capital to assets | 9.2425% | 4,826 |
| Core capital (leverage) ratio | 9.9560% | 3,628 |
| Tier 1 risk-based capital ratio | 20.8455% | 1,502 |
| Total risk-based capital ratio | 22.0966% | 1,478 |
| Memoranda: | ||
| Average total assets | $819,923,000 | 834 |
| Average earning assets | $761,763,500 | 813 |
| Average equity | $75,673,000 | 969 |
| Average total loans | $332,485,500 | 1,322 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1794% | 6,159 |
| Cost of funding earning assets | 0.2361% | 6,056 |
| Net interest margin | 2.9433% | 5,699 |
| Noninterest income to average assets | 0.7045% | 2,517 |
| Noninterest expense to average assets | 2.6095% | 4,425 |
| Loan and lease loss provision to assets | -0.0474% | 6,374 |
| Net operating income to assets | 0.6629% | 3,965 |
| Return on assets (ROA) | 0.6801% | 3,986 |
| Pretax return on assets | 0.9048% | 3,749 |
| Return on Equity (ROE) | 7.1645% | 3,483 |
| Retained earnings to average equity (ytd only) | 0.0853% | 5,814 |
| Net charge-offs to loans | 0.2645% | 2,379 |
| Credit loss provision to net charge-offs | -42.8413% | 5,773 |
| Earnings coverage of net charge-offs (x) | 7.5505% | 2,819 |
| Efficiency ratio | 75.7685% | 2,813 |
| Assets per employee ($millions) | 4.8511% | 2,371 |
| Cash dividends to net income (ytd only)* | 98.8095% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5819% | 2,832 |
| Loan loss allowance to noncurrent loans | 42.6303% | 5,541 |
| Noncurrent assets plus other real estate owned to assets | 1.5916% | 2,337 |
| Noncurrent loans to loans | 3.7108% | 811 |
| Net loans and leases to total assets | 40.4016% | 5,930 |
| Net loans and leases to deposits | 46.2524% | 5,991 |
| Net loans and leases to core deposits | 46.6566% | 6,107 |
| Total domestic deposits to total assets | 87.3502% | 2,553 |
| Equity capital to assets | 9.2158% | 4,787 |
| Core capital (leverage) ratio | 9.8396% | 3,791 |
| Tier 1 risk-based capital ratio | 20.5162% | 1,538 |
| Total risk-based capital ratio | 21.7684% | 1,511 |
| Memoranda: | ||
| Average total assets | $815,188,400 | 814 |
| Average earning assets | $758,737,400 | 788 |
| Average equity | $77,381,600 | 918 |
| Average total loans | $340,677,200 | 1,255 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1830% | 6,220 |
| Cost of funding earning assets | 0.2454% | 6,120 |
| Net interest margin | 2.9376% | 5,720 |
| Noninterest income to average assets | 0.7176% | 2,520 |
| Noninterest expense to average assets | 2.5536% | 4,536 |
| Loan and lease loss provision to assets | -0.1506% | 6,678 |
| Net operating income to assets | 0.7717% | 3,501 |
| Return on assets (ROA) | 0.7930% | 3,517 |
| Pretax return on assets | 1.0790% | 3,197 |
| Return on Equity (ROE) | 8.2941% | 2,978 |
| Retained earnings to average equity (ytd only) | 3.3904% | 4,275 |
| Net charge-offs to loans | 0.1389% | 3,150 |
| Credit loss provision to net charge-offs | -258.2633% | 5,944 |
| Earnings coverage of net charge-offs (x) | 15.4229% | 1,867 |
| Efficiency ratio | 73.9583% | 3,077 |
| Assets per employee ($millions) | 4.7508% | 2,506 |
| Cash dividends to net income (ytd only)* | 59.1227% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5888% | 3,054 |
| Loan loss allowance to noncurrent loans | 38.4402% | 5,689 |
| Noncurrent assets plus other real estate owned to assets | 1.7489% | 2,346 |
| Noncurrent loans to loans | 4.1330% | 842 |
| Net loans and leases to total assets | 40.4112% | 6,002 |
| Net loans and leases to deposits | 46.6982% | 6,053 |
| Net loans and leases to core deposits | 47.1147% | 6,162 |
| Total domestic deposits to total assets | 86.5369% | 2,940 |
| Equity capital to assets | 9.2843% | 4,821 |
| Core capital (leverage) ratio | 10.0063% | 3,672 |
| Tier 1 risk-based capital ratio | 21.3087% | 1,437 |
| Total risk-based capital ratio | 22.5609% | 1,400 |
| Memoranda: | ||
| Average total assets | $816,450,000 | 818 |
| Average earning assets | $760,192,750 | 794 |
| Average equity | $78,061,750 | 925 |
| Average total loans | $342,703,750 | 1,246 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1688% | 6,268 |
| Cost of funding earning assets | 0.2494% | 6,174 |
| Net interest margin | 2.9193% | 5,754 |
| Noninterest income to average assets | 0.7096% | 2,593 |
| Noninterest expense to average assets | 2.5502% | 4,563 |
| Loan and lease loss provision to assets | -0.0986% | 6,711 |
| Net operating income to assets | 0.7201% | 3,720 |
| Return on assets (ROA) | 0.7520% | 3,711 |
| Pretax return on assets | 1.0208% | 3,415 |
| Return on Equity (ROE) | 7.7913% | 3,197 |
| Retained earnings to average equity (ytd only) | 2.2001% | 4,875 |
| Net charge-offs to loans | 0.2061% | 2,523 |
| Credit loss provision to net charge-offs | -113.1653% | 5,638 |
| Earnings coverage of net charge-offs (x) | 10.0868% | 2,196 |
| Efficiency ratio | 74.3683% | 3,057 |
| Assets per employee ($millions) | 4.8964% | 2,231 |
| Cash dividends to net income (ytd only)* | 71.7624% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6799% | 2,855 |
| Loan loss allowance to noncurrent loans | 29.7227% | 6,033 |
| Noncurrent assets plus other real estate owned to assets | 2.3893% | 1,785 |
| Noncurrent loans to loans | 5.6518% | 533 |
| Net loans and leases to total assets | 40.6907% | 5,994 |
| Net loans and leases to deposits | 47.0014% | 6,045 |
| Net loans and leases to core deposits | 47.4077% | 6,155 |
| Total domestic deposits to total assets | 86.5733% | 3,079 |
| Equity capital to assets | 9.2345% | 4,940 |
| Core capital (leverage) ratio | 9.9211% | 3,632 |
| Tier 1 risk-based capital ratio | 20.5657% | 1,599 |
| Total risk-based capital ratio | 21.8190% | 1,569 |
| Memoranda: | ||
| Average total assets | $819,388,330 | 814 |
| Average earning assets | $763,325,670 | 792 |
| Average equity | $79,088,000 | 919 |
| Average total loans | $346,390,330 | 1,221 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1778% | 6,318 |
| Cost of funding earning assets | 0.2533% | 6,270 |
| Net interest margin | 2.9245% | 5,764 |
| Noninterest income to average assets | 0.7283% | 2,435 |
| Noninterest expense to average assets | 2.6114% | 4,367 |
| Loan and lease loss provision to assets | -0.0620% | 6,800 |
| Net operating income to assets | 0.6519% | 3,948 |
| Return on assets (ROA) | 0.7150% | 3,759 |
| Pretax return on assets | 0.9881% | 3,406 |
| Return on Equity (ROE) | 7.2470% | 3,355 |
| Retained earnings to average equity (ytd only) | -0.4888% | 5,877 |
| Net charge-offs to loans | 0.4111% | 1,422 |
| Credit loss provision to net charge-offs | -35.2941% | 5,020 |
| Earnings coverage of net charge-offs (x) | 4.7731% | 2,475 |
| Efficiency ratio | 75.6953% | 2,974 |
| Assets per employee ($millions) | 4.7000% | 2,653 |
| Cash dividends to net income (ytd only)* | 106.7447% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7581% | 2,773 |
| Loan loss allowance to noncurrent loans | 30.2902% | 6,018 |
| Noncurrent assets plus other real estate owned to assets | 2.6773% | 1,697 |
| Noncurrent loans to loans | 5.8041% | 588 |
| Net loans and leases to total assets | 41.9243% | 5,851 |
| Net loans and leases to deposits | 48.4828% | 5,889 |
| Net loans and leases to core deposits | 48.9100% | 6,039 |
| Total domestic deposits to total assets | 86.4725% | 3,255 |
| Equity capital to assets | 9.8170% | 4,398 |
| Core capital (leverage) ratio | 10.1107% | 3,265 |
| Tier 1 risk-based capital ratio | 20.7122% | 1,612 |
| Total risk-based capital ratio | 21.9669% | 1,579 |
| Memoranda: | ||
| Average total assets | $812,888,000 | 822 |
| Average earning assets | $756,505,500 | 813 |
| Average equity | $80,198,500 | 917 |
| Average total loans | $347,339,500 | 1,221 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4289% | 6,449 |
| Cost of funding earning assets | 0.3014% | 6,442 |
| Net interest margin | 3.1274% | 5,746 |
| Noninterest income to average assets | 0.7945% | 2,285 |
| Noninterest expense to average assets | 2.5909% | 4,769 |
| Loan and lease loss provision to assets | -0.0932% | 6,921 |
| Net operating income to assets | 0.8977% | 2,828 |
| Return on assets (ROA) | 0.9129% | 2,991 |
| Pretax return on assets | 1.2335% | 2,660 |
| Return on Equity (ROE) | 9.0694% | 2,609 |
| Retained earnings to average equity (ytd only) | 1.9419% | 4,853 |
| Net charge-offs to loans | 0.0191% | 5,641 |
| Credit loss provision to net charge-offs | -1,104.4118% | 6,593 |
| Earnings coverage of net charge-offs (x) | 132.7059% | 309 |
| Efficiency ratio | 69.8214% | 3,856 |
| Assets per employee ($millions) | 4.8366% | 2,438 |
| Cash dividends to net income (ytd only)* | 78.5889% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8725% | 2,375 |
| Loan loss allowance to noncurrent loans | 35.1533% | 5,852 |
| Noncurrent assets plus other real estate owned to assets | 2.2789% | 2,154 |
| Noncurrent loans to loans | 5.3266% | 711 |
| Net loans and leases to total assets | 41.9819% | 6,012 |
| Net loans and leases to deposits | 48.5129% | 6,072 |
| Net loans and leases to core deposits | 48.9338% | 6,214 |
| Total domestic deposits to total assets | 86.5376% | 3,084 |
| Equity capital to assets | 9.9142% | 4,286 |
| Core capital (leverage) ratio | 9.9729% | 3,439 |
| Tier 1 risk-based capital ratio | 20.7706% | 1,510 |
| Total risk-based capital ratio | 22.0271% | 1,480 |
| Memoranda: | ||
| Average total assets | $805,806,800 | 815 |
| Average earning assets | $751,413,600 | 794 |
| Average equity | $81,107,600 | 864 |
| Average total loans | $356,300,600 | 1,171 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4822% | 6,528 |
| Cost of funding earning assets | 0.3116% | 6,553 |
| Net interest margin | 3.1706% | 5,768 |
| Noninterest income to average assets | 0.8311% | 2,116 |
| Noninterest expense to average assets | 2.5844% | 4,792 |
| Loan and lease loss provision to assets | -0.1744% | 7,079 |
| Net operating income to assets | 1.0158% | 2,423 |
| Return on assets (ROA) | 1.0159% | 2,657 |
| Pretax return on assets | 1.3778% | 2,313 |
| Return on Equity (ROE) | 10.0550% | 2,329 |
| Retained earnings to average equity (ytd only) | 3.7751% | 4,238 |
| Net charge-offs to loans | 0.0272% | 5,281 |
| Credit loss provision to net charge-offs | -1,438.3562% | 6,575 |
| Earnings coverage of net charge-offs (x) | 99.2612% | 427 |
| Efficiency ratio | 68.2318% | 4,010 |
| Assets per employee ($millions) | 4.7054% | 2,594 |
| Cash dividends to net income (ytd only)* | 62.4551% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7711% | 2,895 |
| Loan loss allowance to noncurrent loans | 34.0979% | 5,931 |
| Noncurrent assets plus other real estate owned to assets | 2.2758% | 2,344 |
| Noncurrent loans to loans | 5.1943% | 854 |
| Net loans and leases to total assets | 43.0385% | 6,035 |
| Net loans and leases to deposits | 50.0253% | 6,103 |
| Net loans and leases to core deposits | 50.4709% | 6,257 |
| Total domestic deposits to total assets | 86.0336% | 3,238 |
| Equity capital to assets | 10.2946% | 4,086 |
| Core capital (leverage) ratio | 10.0109% | 3,522 |
| Tier 1 risk-based capital ratio | 20.9665% | 1,534 |
| Total risk-based capital ratio | 22.2220% | 1,500 |
| Memoranda: | ||
| Average total assets | $802,913,250 | 824 |
| Average earning assets | $748,693,500 | 806 |
| Average equity | $81,125,250 | 866 |
| Average total loans | $357,950,750 | 1,168 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5268% | 6,576 |
| Cost of funding earning assets | 0.3203% | 6,647 |
| Net interest margin | 3.2065% | 5,717 |
| Noninterest income to average assets | 0.7523% | 2,406 |
| Noninterest expense to average assets | 2.5682% | 4,891 |
| Loan and lease loss provision to assets | -0.3093% | 7,179 |
| Net operating income to assets | 1.0532% | 2,235 |
| Return on assets (ROA) | 1.0534% | 2,464 |
| Pretax return on assets | 1.4784% | 1,927 |
| Return on Equity (ROE) | 10.4921% | 2,170 |
| Retained earnings to average equity (ytd only) | 3.4088% | 4,329 |
| Net charge-offs to loans | 0.0406% | 4,807 |
| Credit loss provision to net charge-offs | -1,700.0000% | 6,475 |
| Earnings coverage of net charge-offs (x) | 64.2329% | 602 |
| Efficiency ratio | 68.7233% | 3,991 |
| Assets per employee ($millions) | 4.9035% | 2,287 |
| Cash dividends to net income (ytd only)* | 67.5106% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6912% | 3,259 |
| Loan loss allowance to noncurrent loans | 43.9675% | 5,453 |
| Noncurrent assets plus other real estate owned to assets | 1.6913% | 3,183 |
| Noncurrent loans to loans | 3.8464% | 1,454 |
| Net loans and leases to total assets | 43.2275% | 6,089 |
| Net loans and leases to deposits | 49.8589% | 6,190 |
| Net loans and leases to core deposits | 50.2753% | 6,327 |
| Total domestic deposits to total assets | 86.6998% | 2,957 |
| Equity capital to assets | 9.9411% | 4,435 |
| Core capital (leverage) ratio | 9.8778% | 3,611 |
| Tier 1 risk-based capital ratio | 20.4771% | 1,581 |
| Total risk-based capital ratio | 21.7307% | 1,560 |
| Memoranda: | ||
| Average total assets | $802,343,330 | 824 |
| Average earning assets | $746,856,330 | 806 |
| Average equity | $80,556,000 | 861 |
| Average total loans | $359,753,670 | 1,165 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6017% | 6,571 |
| Cost of funding earning assets | 0.3362% | 6,698 |
| Net interest margin | 3.2655% | 5,594 |
| Noninterest income to average assets | 0.7708% | 2,298 |
| Noninterest expense to average assets | 2.5340% | 5,046 |
| Loan and lease loss provision to assets | -0.4926% | 7,260 |
| Net operating income to assets | 1.2737% | 1,527 |
| Return on assets (ROA) | 1.2740% | 1,697 |
| Pretax return on assets | 1.7692% | 1,153 |
| Return on Equity (ROE) | 12.6259% | 1,503 |
| Retained earnings to average equity (ytd only) | 6.7086% | 2,581 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5085% | 4,461 |
| Assets per employee ($millions) | 4.7813% | 2,540 |
| Cash dividends to net income (ytd only)* | 46.8664% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7792% | 3,060 |
| Loan loss allowance to noncurrent loans | 48.4816% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 1.6507% | 3,377 |
| Noncurrent loans to loans | 3.6697% | 1,689 |
| Net loans and leases to total assets | 43.6306% | 6,048 |
| Net loans and leases to deposits | 50.1053% | 6,131 |
| Net loans and leases to core deposits | 50.5873% | 6,300 |
| Total domestic deposits to total assets | 87.0777% | 2,913 |
| Equity capital to assets | 9.9301% | 4,220 |
| Core capital (leverage) ratio | 10.2949% | 2,999 |
| Tier 1 risk-based capital ratio | 20.3515% | 1,632 |
| Total risk-based capital ratio | 21.6060% | 1,599 |
| Memoranda: | ||
| Average total assets | $796,524,500 | 830 |
| Average earning assets | $741,315,000 | 813 |
| Average equity | $80,374,500 | 862 |
| Average total loans | $360,672,000 | 1,163 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7570% | 6,774 |
| Cost of funding earning assets | 0.4148% | 6,852 |
| Net interest margin | 3.3422% | 5,677 |
| Noninterest income to average assets | 0.8333% | 1,913 |
| Noninterest expense to average assets | 2.6660% | 4,864 |
| Loan and lease loss provision to assets | 0.2645% | 3,574 |
| Net operating income to assets | 0.7918% | 3,075 |
| Return on assets (ROA) | 0.7918% | 3,241 |
| Pretax return on assets | 1.0084% | 3,212 |
| Return on Equity (ROE) | 7.6713% | 3,068 |
| Retained earnings to average equity (ytd only) | -0.1991% | 5,884 |
| Net charge-offs to loans | 0.0049% | 6,368 |
| Credit loss provision to net charge-offs | 11,227.7778% | 19 |
| Earnings coverage of net charge-offs (x) | 540.2778% | 60 |
| Efficiency ratio | 67.6835% | 4,426 |
| Assets per employee ($millions) | 4.6727% | 2,646 |
| Cash dividends to net income (ytd only)* | 102.5955% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0328% | 2,175 |
| Loan loss allowance to noncurrent loans | 43.2386% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 2.1704% | 2,770 |
| Noncurrent loans to loans | 4.7013% | 1,252 |
| Net loans and leases to total assets | 45.2273% | 6,087 |
| Net loans and leases to deposits | 51.9756% | 6,219 |
| Net loans and leases to core deposits | 52.5730% | 6,398 |
| Total domestic deposits to total assets | 87.0165% | 2,752 |
| Equity capital to assets | 10.2560% | 3,840 |
| Core capital (leverage) ratio | 10.1784% | 3,123 |
| Tier 1 risk-based capital ratio | 20.1238% | 1,611 |
| Total risk-based capital ratio | 21.3816% | 1,576 |
| Memoranda: | ||
| Average total assets | $763,977,600 | 861 |
| Average earning assets | $709,926,600 | 839 |
| Average equity | $78,852,200 | 854 |
| Average total loans | $368,422,600 | 1,149 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7944% | 6,845 |
| Cost of funding earning assets | 0.4317% | 6,935 |
| Net interest margin | 3.3627% | 5,678 |
| Noninterest income to average assets | 0.8818% | 1,714 |
| Noninterest expense to average assets | 2.8294% | 4,238 |
| Loan and lease loss provision to assets | 0.2580% | 3,439 |
| Net operating income to assets | 0.7377% | 3,440 |
| Return on assets (ROA) | 0.7377% | 3,609 |
| Pretax return on assets | 0.9156% | 3,703 |
| Return on Equity (ROE) | 7.1359% | 3,460 |
| Retained earnings to average equity (ytd only) | -0.8312% | 6,124 |
| Net charge-offs to loans | 0.0068% | 6,069 |
| Credit loss provision to net charge-offs | 7,726.3158% | 37 |
| Earnings coverage of net charge-offs (x) | 351.5113% | 108 |
| Efficiency ratio | 70.6835% | 3,818 |
| Assets per employee ($millions) | 4.5609% | 2,821 |
| Cash dividends to net income (ytd only)* | 111.6485% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8610% | 2,747 |
| Loan loss allowance to noncurrent loans | 40.8919% | 5,575 |
| Noncurrent assets plus other real estate owned to assets | 2.1363% | 2,991 |
| Noncurrent loans to loans | 4.5511% | 1,420 |
| Net loans and leases to total assets | 46.0655% | 6,143 |
| Net loans and leases to deposits | 52.9951% | 6,294 |
| Net loans and leases to core deposits | 53.6607% | 6,480 |
| Total domestic deposits to total assets | 86.9241% | 2,700 |
| Equity capital to assets | 10.2875% | 3,973 |
| Core capital (leverage) ratio | 10.1151% | 3,292 |
| Tier 1 risk-based capital ratio | 20.1333% | 1,655 |
| Total risk-based capital ratio | 21.3895% | 1,621 |
| Memoranda: | ||
| Average total assets | $758,717,750 | 869 |
| Average earning assets | $704,209,500 | 857 |
| Average equity | $78,437,500 | 865 |
| Average total loans | $369,926,000 | 1,155 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8252% | 6,892 |
| Cost of funding earning assets | 0.4489% | 7,011 |
| Net interest margin | 3.3763% | 5,622 |
| Noninterest income to average assets | 1.0018% | 1,309 |
| Noninterest expense to average assets | 2.8263% | 4,322 |
| Loan and lease loss provision to assets | 0.3254% | 2,838 |
| Net operating income to assets | 0.8174% | 2,996 |
| Return on assets (ROA) | 0.8174% | 3,116 |
| Pretax return on assets | 0.9781% | 3,323 |
| Return on Equity (ROE) | 7.8932% | 2,986 |
| Retained earnings to average equity (ytd only) | 2.2354% | 4,873 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4363% | 4,431 |
| Assets per employee ($millions) | 4.5621% | 2,742 |
| Cash dividends to net income (ytd only)* | 71.6797% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7826% | 3,052 |
| Loan loss allowance to noncurrent loans | 46.3449% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 1.8434% | 3,447 |
| Noncurrent loans to loans | 3.8463% | 1,806 |
| Net loans and leases to total assets | 47.0737% | 6,147 |
| Net loans and leases to deposits | 53.9180% | 6,308 |
| Net loans and leases to core deposits | 54.5808% | 6,527 |
| Total domestic deposits to total assets | 87.3061% | 2,567 |
| Equity capital to assets | 10.3517% | 3,689 |
| Core capital (leverage) ratio | 10.4695% | 2,741 |
| Tier 1 risk-based capital ratio | 20.2597% | 1,560 |
| Total risk-based capital ratio | 21.5150% | 1,532 |
| Memoranda: | ||
| Average total assets | $751,652,330 | 890 |
| Average earning assets | $696,384,670 | 874 |
| Average equity | $77,838,670 | 873 |
| Average total loans | $371,206,670 | 1,175 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8567% | 6,879 |
| Cost of funding earning assets | 0.4715% | 7,060 |
| Net interest margin | 3.3852% | 5,483 |
| Noninterest income to average assets | 0.8960% | 1,676 |
| Noninterest expense to average assets | 2.8276% | 4,342 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9095% | 2,515 |
| Return on assets (ROA) | 0.9095% | 2,573 |
| Pretax return on assets | 1.1995% | 2,370 |
| Return on Equity (ROE) | 8.7805% | 2,568 |
| Retained earnings to average equity (ytd only) | 2.7429% | 4,528 |
| Net charge-offs to loans | -0.0011% | 6,170 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2142% | 4,214 |
| Assets per employee ($millions) | 4.4069% | 3,035 |
| Cash dividends to net income (ytd only)* | 68.7611% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4435% | 4,467 |
| Loan loss allowance to noncurrent loans | 73.3424% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 0.9707% | 4,958 |
| Noncurrent loans to loans | 1.9681% | 3,617 |
| Net loans and leases to total assets | 48.6090% | 6,005 |
| Net loans and leases to deposits | 55.5657% | 6,167 |
| Net loans and leases to core deposits | 56.2229% | 6,396 |
| Total domestic deposits to total assets | 87.4803% | 2,672 |
| Equity capital to assets | 10.2320% | 3,499 |
| Core capital (leverage) ratio | 10.8745% | 2,293 |
| Tier 1 risk-based capital ratio | 20.2850% | 1,523 |
| Total risk-based capital ratio | 21.5365% | 1,496 |
| Memoranda: | ||
| Average total assets | $741,978,000 | 906 |
| Average earning assets | $686,280,000 | 892 |
| Average equity | $76,852,000 | 874 |
| Average total loans | $372,047,000 | 1,189 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2487% | 6,860 |
| Cost of funding earning assets | 0.6044% | 7,119 |
| Net interest margin | 3.6443% | 4,601 |
| Noninterest income to average assets | 0.8489% | 2,059 |
| Noninterest expense to average assets | 2.8039% | 4,598 |
| Loan and lease loss provision to assets | 0.0195% | 6,916 |
| Net operating income to assets | 1.0115% | 1,993 |
| Return on assets (ROA) | 1.0246% | 2,062 |
| Pretax return on assets | 1.3896% | 1,690 |
| Return on Equity (ROE) | 9.5677% | 2,089 |
| Retained earnings to average equity (ytd only) | 0.9897% | 5,044 |
| Net charge-offs to loans | 0.0134% | 6,692 |
| Credit loss provision to net charge-offs | 272.5490% | 1,006 |
| Earnings coverage of net charge-offs (x) | 194.8431% | 131 |
| Efficiency ratio | 66.8358% | 4,792 |
| Assets per employee ($millions) | 4.2712% | 3,260 |
| Cash dividends to net income (ytd only)* | 89.6556% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4403% | 4,327 |
| Loan loss allowance to noncurrent loans | 79.8452% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 0.9198% | 5,182 |
| Noncurrent loans to loans | 1.8039% | 3,813 |
| Net loans and leases to total assets | 50.2559% | 6,144 |
| Net loans and leases to deposits | 57.7499% | 6,280 |
| Net loans and leases to core deposits | 58.5356% | 6,515 |
| Total domestic deposits to total assets | 87.0234% | 2,807 |
| Equity capital to assets | 10.4874% | 3,170 |
| Core capital (leverage) ratio | 10.9312% | 2,212 |
| Tier 1 risk-based capital ratio | 20.3339% | 1,429 |
| Total risk-based capital ratio | 21.5855% | 1,408 |
| Memoranda: | ||
| Average total assets | $714,214,600 | 934 |
| Average earning assets | $655,824,400 | 931 |
| Average equity | $76,486,800 | 861 |
| Average total loans | $380,335,200 | 1,193 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3187% | 6,947 |
| Cost of funding earning assets | 0.6223% | 7,245 |
| Net interest margin | 3.6964% | 4,415 |
| Noninterest income to average assets | 0.8892% | 1,834 |
| Noninterest expense to average assets | 2.9271% | 3,992 |
| Loan and lease loss provision to assets | 0.0109% | 6,917 |
| Net operating income to assets | 0.9915% | 2,266 |
| Return on assets (ROA) | 1.0016% | 2,349 |
| Pretax return on assets | 1.3549% | 2,023 |
| Return on Equity (ROE) | 9.3032% | 2,388 |
| Retained earnings to average equity (ytd only) | 1.1858% | 5,341 |
| Net charge-offs to loans | 0.0003% | 6,669 |
| Credit loss provision to net charge-offs | 5,800.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 7,219.8722% | 2 |
| Efficiency ratio | 68.4026% | 4,387 |
| Assets per employee ($millions) | 4.2280% | 3,389 |
| Cash dividends to net income (ytd only)* | 87.2539% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4121% | 4,390 |
| Loan loss allowance to noncurrent loans | 64.9970% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 1.1416% | 4,837 |
| Noncurrent loans to loans | 2.1725% | 3,478 |
| Net loans and leases to total assets | 51.8030% | 6,124 |
| Net loans and leases to deposits | 59.9481% | 6,318 |
| Net loans and leases to core deposits | 60.8833% | 6,546 |
| Total domestic deposits to total assets | 86.4131% | 2,845 |
| Equity capital to assets | 10.9675% | 2,992 |
| Core capital (leverage) ratio | 10.8553% | 2,368 |
| Tier 1 risk-based capital ratio | 20.0334% | 1,540 |
| Total risk-based capital ratio | 21.2848% | 1,509 |
| Memoranda: | ||
| Average total assets | $710,172,750 | 945 |
| Average earning assets | $651,321,750 | 938 |
| Average equity | $76,459,000 | 865 |
| Average total loans | $382,313,000 | 1,198 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3238% | 7,007 |
| Cost of funding earning assets | 0.6330% | 7,334 |
| Net interest margin | 3.6909% | 4,404 |
| Noninterest income to average assets | 0.8299% | 1,971 |
| Noninterest expense to average assets | 2.9314% | 3,958 |
| Loan and lease loss provision to assets | 0.0082% | 6,812 |
| Net operating income to assets | 0.9518% | 2,358 |
| Return on assets (ROA) | 0.9665% | 2,397 |
| Pretax return on assets | 1.2914% | 2,117 |
| Return on Equity (ROE) | 9.0341% | 2,449 |
| Retained earnings to average equity (ytd only) | -0.0793% | 5,749 |
| Net charge-offs to loans | 0.0010% | 6,367 |
| Credit loss provision to net charge-offs | 1,450.0000% | 276 |
| Earnings coverage of net charge-offs (x) | 2,263.5000% | 3 |
| Efficiency ratio | 69.6052% | 4,262 |
| Assets per employee ($millions) | 4.2227% | 3,347 |
| Cash dividends to net income (ytd only)* | 100.8777% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3824% | 4,515 |
| Loan loss allowance to noncurrent loans | 58.9222% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 1.5878% | 4,076 |
| Noncurrent loans to loans | 2.3461% | 3,318 |
| Net loans and leases to total assets | 51.7864% | 6,237 |
| Net loans and leases to deposits | 59.8038% | 6,430 |
| Net loans and leases to core deposits | 60.6725% | 6,661 |
| Total domestic deposits to total assets | 86.5938% | 2,757 |
| Equity capital to assets | 10.5766% | 3,312 |
| Core capital (leverage) ratio | 10.9012% | 2,325 |
| Tier 1 risk-based capital ratio | 19.3136% | 1,648 |
| Total risk-based capital ratio | 20.5643% | 1,613 |
| Memoranda: | ||
| Average total assets | $707,313,000 | 952 |
| Average earning assets | $648,034,000 | 948 |
| Average equity | $75,669,000 | 867 |
| Average total loans | $383,861,330 | 1,200 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4703% | 6,854 |
| Cost of funding earning assets | 0.6485% | 7,442 |
| Net interest margin | 3.8218% | 3,698 |
| Noninterest income to average assets | 0.8866% | 1,678 |
| Noninterest expense to average assets | 2.9530% | 3,845 |
| Loan and lease loss provision to assets | 0.0167% | 6,467 |
| Net operating income to assets | 1.0609% | 1,958 |
| Return on assets (ROA) | 1.0855% | 1,957 |
| Pretax return on assets | 1.4431% | 1,658 |
| Return on Equity (ROE) | 10.0867% | 2,071 |
| Retained earnings to average equity (ytd only) | -3.2750% | 6,401 |
| Net charge-offs to loans | 0.0021% | 5,595 |
| Credit loss provision to net charge-offs | 1,450.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 1,241.0000% | 14 |
| Efficiency ratio | 67.4193% | 4,829 |
| Assets per employee ($millions) | 4.1626% | 3,537 |
| Cash dividends to net income (ytd only)* | 132.4682% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3836% | 4,498 |
| Loan loss allowance to noncurrent loans | 89.9118% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 1.2079% | 4,758 |
| Noncurrent loans to loans | 1.5389% | 4,441 |
| Net loans and leases to total assets | 53.7292% | 6,059 |
| Net loans and leases to deposits | 62.7187% | 6,207 |
| Net loans and leases to core deposits | 63.7500% | 6,467 |
| Total domestic deposits to total assets | 85.6669% | 3,337 |
| Equity capital to assets | 10.6168% | 3,130 |
| Core capital (leverage) ratio | 11.2944% | 2,036 |
| Tier 1 risk-based capital ratio | 18.9020% | 1,742 |
| Total risk-based capital ratio | 20.1528% | 1,701 |
| Memoranda: | ||
| Average total assets | $695,705,500 | 986 |
| Average earning assets | $635,923,500 | 985 |
| Average equity | $74,871,000 | 880 |
| Average total loans | $383,983,500 | 1,236 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6998% | 7,138 |
| Cost of funding earning assets | 0.9083% | 7,391 |
| Net interest margin | 3.7915% | 3,748 |
| Noninterest income to average assets | 0.8943% | 1,962 |
| Noninterest expense to average assets | 3.0036% | 4,124 |
| Loan and lease loss provision to assets | 0.0232% | 7,276 |
| Net operating income to assets | 1.0009% | 1,839 |
| Return on assets (ROA) | 1.0156% | 1,835 |
| Pretax return on assets | 1.3511% | 1,555 |
| Return on Equity (ROE) | 8.9887% | 2,028 |
| Retained earnings to average equity (ytd only) | 2.1992% | 3,569 |
| Net charge-offs to loans | 0.0018% | 7,228 |
| Credit loss provision to net charge-offs | 2,200.0000% | 146 |
| Earnings coverage of net charge-offs (x) | 1,285.8571% | 17 |
| Efficiency ratio | 68.9171% | 4,844 |
| Assets per employee ($millions) | 4.0706% | 3,674 |
| Cash dividends to net income (ytd only)* | 75.5335% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3712% | 4,379 |
| Loan loss allowance to noncurrent loans | 57.5936% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 1.3314% | 4,433 |
| Noncurrent loans to loans | 2.3809% | 3,188 |
| Net loans and leases to total assets | 55.1530% | 6,065 |
| Net loans and leases to deposits | 64.6730% | 6,191 |
| Net loans and leases to core deposits | 70.3325% | 6,747 |
| Total domestic deposits to total assets | 85.2798% | 3,420 |
| Equity capital to assets | 10.9103% | 2,768 |
| Core capital (leverage) ratio | 11.4583% | 1,940 |
| Tier 1 risk-based capital ratio | 19.0793% | 1,637 |
| Total risk-based capital ratio | 20.3298% | 1,602 |
| Memoranda: | ||
| Average total assets | $664,438,000 | 1,042 |
| Average earning assets | $607,044,000 | 1,032 |
| Average equity | $75,072,000 | 858 |
| Average total loans | $383,253,400 | 1,258 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7756% | 7,161 |
| Cost of funding earning assets | 0.9753% | 7,439 |
| Net interest margin | 3.8003% | 3,656 |
| Noninterest income to average assets | 0.9196% | 1,905 |
| Noninterest expense to average assets | 3.0589% | 3,809 |
| Loan and lease loss provision to assets | 0.0202% | 7,154 |
| Net operating income to assets | 0.9836% | 2,115 |
| Return on assets (ROA) | 0.9922% | 2,149 |
| Pretax return on assets | 1.3208% | 1,905 |
| Return on Equity (ROE) | 8.7038% | 2,371 |
| Retained earnings to average equity (ytd only) | 3.5075% | 3,328 |
| Net charge-offs to loans | 0.0024% | 6,957 |
| Credit loss provision to net charge-offs | 1,428.5714% | 270 |
| Earnings coverage of net charge-offs (x) | 938.4544% | 26 |
| Efficiency ratio | 69.7038% | 4,646 |
| Assets per employee ($millions) | 3.8159% | 4,157 |
| Cash dividends to net income (ytd only)* | 59.7022% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3495% | 4,206 |
| Loan loss allowance to noncurrent loans | 76.7568% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 1.0128% | 5,051 |
| Noncurrent loans to loans | 1.7581% | 3,979 |
| Net loans and leases to total assets | 56.8302% | 6,051 |
| Net loans and leases to deposits | 67.0321% | 6,207 |
| Net loans and leases to core deposits | 73.2351% | 6,769 |
| Total domestic deposits to total assets | 84.7805% | 3,333 |
| Equity capital to assets | 11.3242% | 2,726 |
| Core capital (leverage) ratio | 11.6444% | 1,996 |
| Tier 1 risk-based capital ratio | 19.4410% | 1,658 |
| Total risk-based capital ratio | 20.6914% | 1,619 |
| Memoranda: | ||
| Average total assets | $658,562,750 | 1,067 |
| Average earning assets | $601,126,500 | 1,055 |
| Average equity | $75,076,000 | 872 |
| Average total loans | $382,893,250 | 1,274 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8413% | 7,145 |
| Cost of funding earning assets | 1.0327% | 7,488 |
| Net interest margin | 3.8086% | 3,521 |
| Noninterest income to average assets | 0.9505% | 1,758 |
| Noninterest expense to average assets | 3.0996% | 3,705 |
| Loan and lease loss provision to assets | 0.0119% | 7,094 |
| Net operating income to assets | 0.9868% | 2,156 |
| Return on assets (ROA) | 0.9994% | 2,201 |
| Pretax return on assets | 1.3225% | 1,958 |
| Return on Equity (ROE) | 8.7465% | 2,450 |
| Retained earnings to average equity (ytd only) | 3.8609% | 3,139 |
| Net charge-offs to loans | 0.0010% | 6,618 |
| Credit loss provision to net charge-offs | 1,950.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 2,155.5000% | 9 |
| Efficiency ratio | 70.1661% | 4,746 |
| Assets per employee ($millions) | 3.7671% | 4,180 |
| Cash dividends to net income (ytd only)* | 55.8581% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 3,950 |
| Loan loss allowance to noncurrent loans | 79.8917% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 0.9587% | 5,061 |
| Noncurrent loans to loans | 1.6974% | 3,963 |
| Net loans and leases to total assets | 55.7182% | 6,243 |
| Net loans and leases to deposits | 64.9504% | 6,479 |
| Net loans and leases to core deposits | 70.7248% | 6,988 |
| Total domestic deposits to total assets | 85.7859% | 2,889 |
| Equity capital to assets | 11.0562% | 2,866 |
| Core capital (leverage) ratio | 11.7638% | 1,944 |
| Tier 1 risk-based capital ratio | 19.5149% | 1,674 |
| Total risk-based capital ratio | 20.7653% | 1,632 |
| Memoranda: | ||
| Average total assets | $654,215,000 | 1,094 |
| Average earning assets | $595,541,000 | 1,085 |
| Average equity | $74,750,000 | 888 |
| Average total loans | $381,559,000 | 1,301 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9750% | 6,995 |
| Cost of funding earning assets | 1.0987% | 7,528 |
| Net interest margin | 3.8762% | 3,153 |
| Noninterest income to average assets | 1.0358% | 1,384 |
| Noninterest expense to average assets | 3.0216% | 3,666 |
| Loan and lease loss provision to assets | 0.0143% | 6,671 |
| Net operating income to assets | 1.1525% | 1,796 |
| Return on assets (ROA) | 1.1544% | 1,910 |
| Pretax return on assets | 1.5294% | 1,586 |
| Return on Equity (ROE) | 9.9348% | 2,347 |
| Retained earnings to average equity (ytd only) | 5.5526% | 2,840 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2221% | 5,288 |
| Assets per employee ($millions) | 3.5981% | 4,566 |
| Cash dividends to net income (ytd only)* | 44.1097% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3445% | 3,828 |
| Loan loss allowance to noncurrent loans | 81.8398% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 0.9559% | 4,805 |
| Noncurrent loans to loans | 1.6428% | 3,807 |
| Net loans and leases to total assets | 57.4029% | 6,037 |
| Net loans and leases to deposits | 67.3794% | 6,235 |
| Net loans and leases to core deposits | 73.2321% | 6,853 |
| Total domestic deposits to total assets | 85.1935% | 3,106 |
| Equity capital to assets | 11.2919% | 2,727 |
| Core capital (leverage) ratio | 12.2359% | 1,797 |
| Tier 1 risk-based capital ratio | 19.2527% | 1,767 |
| Total risk-based capital ratio | 20.5030% | 1,724 |
| Memoranda: | ||
| Average total assets | $644,164,500 | 1,104 |
| Average earning assets | $586,134,000 | 1,113 |
| Average equity | $74,848,000 | 891 |
| Average total loans | $381,897,500 | 1,308 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5083% | 7,282 |
| Cost of funding earning assets | 1.4175% | 7,722 |
| Net interest margin | 4.0909% | 2,755 |
| Noninterest income to average assets | 1.0444% | 1,446 |
| Noninterest expense to average assets | 3.0275% | 3,980 |
| Loan and lease loss provision to assets | 0.0345% | 6,975 |
| Net operating income to assets | 1.2255% | 1,700 |
| Return on assets (ROA) | 1.1170% | 1,997 |
| Pretax return on assets | 1.4989% | 1,689 |
| Return on Equity (ROE) | 9.0444% | 2,632 |
| Retained earnings to average equity (ytd only) | -3.7181% | 6,263 |
| Net charge-offs to loans | 0.0014% | 7,016 |
| Credit loss provision to net charge-offs | 4,220.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 2,053.0000% | 8 |
| Efficiency ratio | 64.3391% | 5,490 |
| Assets per employee ($millions) | 3.4419% | 4,821 |
| Cash dividends to net income (ytd only)* | 141.1093% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3471% | 3,493 |
| Loan loss allowance to noncurrent loans | 53.6289% | 5,309 |
| Noncurrent assets plus other real estate owned to assets | 1.5181% | 3,180 |
| Noncurrent loans to loans | 2.5119% | 2,166 |
| Net loans and leases to total assets | 59.6221% | 5,967 |
| Net loans and leases to deposits | 70.1496% | 6,264 |
| Net loans and leases to core deposits | 75.7066% | 6,873 |
| Total domestic deposits to total assets | 84.9927% | 2,849 |
| Equity capital to assets | 11.9618% | 2,308 |
| Core capital (leverage) ratio | 12.2992% | 1,840 |
| Tier 1 risk-based capital ratio | 19.5866% | 1,685 |
| Total risk-based capital ratio | 20.8373% | 1,644 |
| Memoranda: | ||
| Average total assets | $611,724,200 | 1,107 |
| Average earning assets | $547,461,200 | 1,127 |
| Average equity | $75,549,400 | 876 |
| Average total loans | $368,710,000 | 1,316 |