Home > First National Bank of Oklahoma > Performance and Condition Ratios
First National Bank of Oklahoma, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9690% | 662 |
| Cost of funding earning assets | 2.5099% | 353 |
| Net interest margin | 3.4591% | 2,280 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 2.0053% | 3,611 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.5837% | 885 |
| Return on assets (ROA) | 1.5837% | 854 |
| Pretax return on assets | 1.5837% | 1,265 |
| Return on Equity (ROE) | 17.6300% | 872 |
| Retained earnings to average equity (ytd only) | 7.3083% | 1,789 |
| Net charge-offs to loans | 0.0102% | 2,262 |
| Credit loss provision to net charge-offs | 580.3279% | 607 |
| Earnings coverage of net charge-offs (x) | 203.6066% | 582 |
| Efficiency ratio | 55.1592% | 3,590 |
| Assets per employee ($millions) | 11.2048% | 506 |
| Cash dividends to net income (ytd only)* | 58.5530% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2214% | 2,167 |
| Loan loss allowance to noncurrent loans | 1,026.5110% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.0942% | 2,891 |
| Noncurrent loans to loans | 0.1190% | 2,925 |
| Net loans and leases to total assets | 78.1700% | 853 |
| Net loans and leases to deposits | 89.9346% | 1,271 |
| Net loans and leases to core deposits | 100.4210% | 1,407 |
| Total domestic deposits to total assets | 86.9200% | 1,707 |
| Equity capital to assets | 9.2408% | 2,516 |
| Core capital (leverage) ratio | 9.6156% | 3,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9871% | 1,872 |
| Memoranda: | ||
| Average total assets | $761,895,800 | 1,224 |
| Average earning assets | $724,375,400 | 1,193 |
| Average equity | $68,429,200 | 1,271 |
| Average total loans | $596,304,600 | 1,093 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7617% | 719 |
| Cost of funding earning assets | 2.3228% | 388 |
| Net interest margin | 3.4389% | 2,368 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 1.9964% | 3,604 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.5778% | 967 |
| Return on assets (ROA) | 1.5778% | 961 |
| Pretax return on assets | 1.5778% | 1,403 |
| Return on Equity (ROE) | 17.7000% | 985 |
| Retained earnings to average equity (ytd only) | 8.5071% | 1,813 |
| Net charge-offs to loans | 0.0162% | 1,817 |
| Credit loss provision to net charge-offs | 445.8333% | 688 |
| Earnings coverage of net charge-offs (x) | 131.7083% | 794 |
| Efficiency ratio | 54.5158% | 3,546 |
| Assets per employee ($millions) | 11.1209% | 485 |
| Cash dividends to net income (ytd only)* | 51.9314% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2249% | 2,253 |
| Loan loss allowance to noncurrent loans | 1,076.8116% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.1252% | 2,725 |
| Noncurrent loans to loans | 0.1138% | 3,006 |
| Net loans and leases to total assets | 78.0800% | 870 |
| Net loans and leases to deposits | 90.1089% | 1,231 |
| Net loans and leases to core deposits | 100.0600% | 1,316 |
| Total domestic deposits to total assets | 86.6500% | 1,998 |
| Equity capital to assets | 9.0279% | 2,398 |
| Core capital (leverage) ratio | 9.8621% | 2,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0926% | 1,863 |
| Memoranda: | ||
| Average total assets | $759,086,500 | 1,229 |
| Average earning assets | $721,579,750 | 1,196 |
| Average equity | $67,675,500 | 1,272 |
| Average total loans | $592,419,000 | 1,096 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5605% | 767 |
| Cost of funding earning assets | 2.1440% | 379 |
| Net interest margin | 3.4165% | 2,481 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.0028% | 3,590 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.5948% | 956 |
| Return on assets (ROA) | 1.5948% | 955 |
| Pretax return on assets | 1.5948% | 1,422 |
| Return on Equity (ROE) | 17.9600% | 961 |
| Retained earnings to average equity (ytd only) | 4.8285% | 2,983 |
| Net charge-offs to loans | 0.0014% | 2,352 |
| Credit loss provision to net charge-offs | 5,750.0000% | 103 |
| Earnings coverage of net charge-offs (x) | 1,565.2500% | 88 |
| Efficiency ratio | 54.7452% | 3,551 |
| Assets per employee ($millions) | 11.0889% | 500 |
| Cash dividends to net income (ytd only)* | 73.1222% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 2,171 |
| Loan loss allowance to noncurrent loans | 1,061.1748% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.1285% | 2,652 |
| Noncurrent loans to loans | 0.1178% | 2,890 |
| Net loans and leases to total assets | 77.6200% | 875 |
| Net loans and leases to deposits | 89.3814% | 1,232 |
| Net loans and leases to core deposits | 96.9904% | 1,414 |
| Total domestic deposits to total assets | 86.8400% | 1,975 |
| Equity capital to assets | 8.8919% | 2,594 |
| Core capital (leverage) ratio | 9.6124% | 3,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9399% | 1,924 |
| Memoranda: | ||
| Average total assets | $756,334,000 | 1,229 |
| Average earning assets | $718,746,333 | 1,202 |
| Average equity | $67,142,333 | 1,276 |
| Average total loans | $587,705,667 | 1,092 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3066% | 824 |
| Cost of funding earning assets | 1.8919% | 373 |
| Net interest margin | 3.4147% | 2,594 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 2.0521% | 3,493 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.7220% | 788 |
| Return on assets (ROA) | 1.7220% | 780 |
| Pretax return on assets | 1.7220% | 1,232 |
| Return on Equity (ROE) | 19.4100% | 824 |
| Retained earnings to average equity (ytd only) | 18.4911% | 478 |
| Net charge-offs to loans | 0.0041% | 1,835 |
| Credit loss provision to net charge-offs | 2,383.3333% | 176 |
| Earnings coverage of net charge-offs (x) | 567.3333% | 201 |
| Efficiency ratio | 53.3059% | 3,675 |
| Assets per employee ($millions) | 11.8004% | 421 |
| Cash dividends to net income (ytd only)* | 4.7531% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 2,262 |
| Loan loss allowance to noncurrent loans | 865.0118% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.1207% | 2,663 |
| Noncurrent loans to loans | 0.1451% | 2,767 |
| Net loans and leases to total assets | 75.0300% | 1,075 |
| Net loans and leases to deposits | 85.3584% | 1,402 |
| Net loans and leases to core deposits | 91.5727% | 1,524 |
| Total domestic deposits to total assets | 87.9000% | 1,963 |
| Equity capital to assets | 8.9862% | 2,531 |
| Core capital (leverage) ratio | 9.8868% | 2,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2590% | 1,879 |
| Memoranda: | ||
| Average total assets | $757,478,000 | 1,245 |
| Average earning assets | $719,714,000 | 1,212 |
| Average equity | $67,189,000 | 1,286 |
| Average total loans | $585,219,000 | 1,109 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5385% | 677 |
| Cost of funding earning assets | 0.6270% | 798 |
| Net interest margin | 3.9115% | 930 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 1.9920% | 3,597 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.8161% | 425 |
| Return on assets (ROA) | 1.8161% | 408 |
| Pretax return on assets | 1.8161% | 712 |
| Return on Equity (ROE) | 21.0800% | 390 |
| Retained earnings to average equity (ytd only) | 10.2853% | 1,071 |
| Net charge-offs to loans | 0.0488% | 1,188 |
| Credit loss provision to net charge-offs | 361.2546% | 818 |
| Earnings coverage of net charge-offs (x) | 53.3063% | 1,316 |
| Efficiency ratio | 50.5562% | 4,094 |
| Assets per employee ($millions) | 11.1631% | 485 |
| Cash dividends to net income (ytd only)* | 51.1992% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 2,283 |
| Loan loss allowance to noncurrent loans | 487.8397% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.2075% | 2,128 |
| Noncurrent loans to loans | 0.2505% | 2,276 |
| Net loans and leases to total assets | 77.6000% | 840 |
| Net loans and leases to deposits | 89.3437% | 1,100 |
| Net loans and leases to core deposits | 94.5384% | 1,270 |
| Total domestic deposits to total assets | 86.8600% | 2,440 |
| Equity capital to assets | 8.7510% | 2,529 |
| Core capital (leverage) ratio | 9.5229% | 3,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8306% | 2,041 |
| Memoranda: | ||
| Average total assets | $741,530,000 | 1,258 |
| Average earning assets | $707,165,800 | 1,226 |
| Average equity | $63,897,000 | 1,336 |
| Average total loans | $555,286,800 | 1,096 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2990% | 740 |
| Cost of funding earning assets | 0.4217% | 1,146 |
| Net interest margin | 3.8772% | 836 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 1.9443% | 3,637 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.8079% | 424 |
| Return on assets (ROA) | 1.8079% | 412 |
| Pretax return on assets | 1.8079% | 719 |
| Return on Equity (ROE) | 21.0600% | 350 |
| Retained earnings to average equity (ytd only) | 11.1016% | 1,027 |
| Net charge-offs to loans | 0.0643% | 846 |
| Credit loss provision to net charge-offs | 312.5000% | 793 |
| Earnings coverage of net charge-offs (x) | 41.1288% | 1,375 |
| Efficiency ratio | 49.8429% | 4,172 |
| Assets per employee ($millions) | 10.7340% | 535 |
| Cash dividends to net income (ytd only)* | 47.2939% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2289% | 2,373 |
| Loan loss allowance to noncurrent loans | 411.0462% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.2454% | 1,995 |
| Noncurrent loans to loans | 0.2990% | 2,168 |
| Net loans and leases to total assets | 77.4400% | 755 |
| Net loans and leases to deposits | 87.3407% | 1,078 |
| Net loans and leases to core deposits | 91.9964% | 1,179 |
| Total domestic deposits to total assets | 88.6600% | 2,233 |
| Equity capital to assets | 8.7073% | 2,402 |
| Core capital (leverage) ratio | 9.4550% | 3,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6567% | 2,193 |
| Memoranda: | ||
| Average total assets | $739,930,500 | 1,270 |
| Average earning assets | $706,568,250 | 1,232 |
| Average equity | $63,508,500 | 1,357 |
| Average total loans | $547,211,000 | 1,102 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0801% | 808 |
| Cost of funding earning assets | 0.3012% | 1,701 |
| Net interest margin | 3.7789% | 788 |
| Noninterest income to average assets | 0.1970% | 4,017 |
| Noninterest expense to average assets | 1.9210% | 3,653 |
| Loan and lease loss provision to assets | 0.1310% | 739 |
| Net operating income to assets | 1.7571% | 372 |
| Return on assets (ROA) | 1.7571% | 365 |
| Pretax return on assets | 1.7571% | 663 |
| Return on Equity (ROE) | 20.5693% | 273 |
| Retained earnings to average equity (ytd only) | 6.4102% | 2,203 |
| Net charge-offs to loans | 0.0746% | 714 |
| Credit loss provision to net charge-offs | 242.2886% | 883 |
| Earnings coverage of net charge-offs (x) | 34.9104% | 1,325 |
| Efficiency ratio | 50.4309% | 4,222 |
| Assets per employee ($millions) | 10.2057% | 619 |
| Cash dividends to net income (ytd only)* | 68.8361% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1985% | 2,684 |
| Loan loss allowance to noncurrent loans | 333.9427% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.2793% | 1,913 |
| Noncurrent loans to loans | 0.3589% | 2,072 |
| Net loans and leases to total assets | 76.8950% | 644 |
| Net loans and leases to deposits | 85.2466% | 1,034 |
| Net loans and leases to core deposits | 89.7198% | 1,139 |
| Total domestic deposits to total assets | 90.2031% | 1,629 |
| Equity capital to assets | 8.4458% | 2,803 |
| Core capital (leverage) ratio | 8.9210% | 3,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0601% | 2,471 |
| Memoranda: | ||
| Average total assets | $743,269,333 | 1,265 |
| Average earning assets | $710,468,667 | 1,233 |
| Average equity | $63,492,667 | 1,384 |
| Average total loans | $538,854,667 | 1,108 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8292% | 1,033 |
| Cost of funding earning assets | 0.2726% | 1,904 |
| Net interest margin | 3.5565% | 971 |
| Noninterest income to average assets | 0.1951% | 3,991 |
| Noninterest expense to average assets | 1.8661% | 3,762 |
| Loan and lease loss provision to assets | 0.0574% | 1,364 |
| Net operating income to assets | 1.6758% | 428 |
| Return on assets (ROA) | 1.6758% | 430 |
| Pretax return on assets | 1.6758% | 717 |
| Return on Equity (ROE) | 19.5113% | 246 |
| Retained earnings to average equity (ytd only) | 19.5113% | 106 |
| Net charge-offs to loans | 0.0372% | 917 |
| Credit loss provision to net charge-offs | 220.4082% | 747 |
| Earnings coverage of net charge-offs (x) | 66.5510% | 814 |
| Efficiency ratio | 51.8458% | 4,210 |
| Assets per employee ($millions) | 11.1522% | 486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2137% | 2,785 |
| Loan loss allowance to noncurrent loans | 310.4563% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.2774% | 2,017 |
| Noncurrent loans to loans | 0.3909% | 2,086 |
| Net loans and leases to total assets | 70.1089% | 1,013 |
| Net loans and leases to deposits | 77.7028% | 1,309 |
| Net loans and leases to core deposits | 82.5346% | 1,323 |
| Total domestic deposits to total assets | 90.2269% | 1,427 |
| Equity capital to assets | 8.5742% | 3,100 |
| Core capital (leverage) ratio | 8.8983% | 3,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0502% | 2,180 |
| Memoranda: | ||
| Average total assets | $752,601,000 | 1,255 |
| Average earning assets | $720,367,500 | 1,228 |
| Average equity | $64,639,500 | 1,410 |
| Average total loans | $526,309,500 | 1,121 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3974% | 718 |
| Cost of funding earning assets | 0.3871% | 1,635 |
| Net interest margin | 4.0103% | 691 |
| Noninterest income to average assets | 0.2141% | 4,088 |
| Noninterest expense to average assets | 1.9733% | 3,760 |
| Loan and lease loss provision to assets | 0.1048% | 1,207 |
| Net operating income to assets | 1.9534% | 372 |
| Return on assets (ROA) | 1.9534% | 395 |
| Pretax return on assets | 1.9534% | 669 |
| Return on Equity (ROE) | 21.8705% | 225 |
| Retained earnings to average equity (ytd only) | 13.0197% | 401 |
| Net charge-offs to loans | 0.0331% | 1,574 |
| Credit loss provision to net charge-offs | 433.5366% | 875 |
| Earnings coverage of net charge-offs (x) | 85.1707% | 959 |
| Efficiency ratio | 48.9474% | 4,355 |
| Assets per employee ($millions) | 10.6693% | 556 |
| Cash dividends to net income (ytd only)* | 40.4692% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2533% | 2,610 |
| Loan loss allowance to noncurrent loans | 399.6900% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.2160% | 2,480 |
| Noncurrent loans to loans | 0.3136% | 2,466 |
| Net loans and leases to total assets | 68.0147% | 1,264 |
| Net loans and leases to deposits | 75.3535% | 1,612 |
| Net loans and leases to core deposits | 79.9926% | 1,593 |
| Total domestic deposits to total assets | 90.2609% | 838 |
| Equity capital to assets | 8.6037% | 3,989 |
| Core capital (leverage) ratio | 8.7656% | 3,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0280% | 2,240 |
| Memoranda: | ||
| Average total assets | $678,663,000 | 1,312 |
| Average earning assets | $646,015,600 | 1,296 |
| Average equity | $60,615,800 | 1,502 |
| Average total loans | $495,993,800 | 1,173 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4649% | 717 |
| Cost of funding earning assets | 0.4165% | 1,572 |
| Net interest margin | 4.0484% | 716 |
| Noninterest income to average assets | 0.2142% | 4,117 |
| Noninterest expense to average assets | 1.9499% | 3,813 |
| Loan and lease loss provision to assets | 0.1053% | 1,151 |
| Net operating income to assets | 2.0062% | 458 |
| Return on assets (ROA) | 2.0062% | 484 |
| Pretax return on assets | 2.0062% | 789 |
| Return on Equity (ROE) | 22.2308% | 287 |
| Retained earnings to average equity (ytd only) | 14.0575% | 508 |
| Net charge-offs to loans | -0.0263% | 4,083 |
| Credit loss provision to net charge-offs | -539.1753% | 3,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0103% | 4,364 |
| Assets per employee ($millions) | 10.8252% | 505 |
| Cash dividends to net income (ytd only)* | 36.7654% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3141% | 2,420 |
| Loan loss allowance to noncurrent loans | 381.0415% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.2429% | 2,568 |
| Noncurrent loans to loans | 0.3449% | 2,542 |
| Net loans and leases to total assets | 69.5028% | 1,129 |
| Net loans and leases to deposits | 77.5934% | 1,515 |
| Net loans and leases to core deposits | 82.8662% | 1,507 |
| Total domestic deposits to total assets | 89.5731% | 976 |
| Equity capital to assets | 8.9546% | 3,872 |
| Core capital (leverage) ratio | 8.9741% | 3,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3370% | 2,242 |
| Memoranda: | ||
| Average total assets | $661,615,500 | 1,352 |
| Average earning assets | $628,738,750 | 1,338 |
| Average equity | $59,705,500 | 1,543 |
| Average total loans | $491,388,000 | 1,202 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4354% | 811 |
| Cost of funding earning assets | 0.4489% | 1,526 |
| Net interest margin | 3.9865% | 846 |
| Noninterest income to average assets | 0.2128% | 4,129 |
| Noninterest expense to average assets | 1.9509% | 3,832 |
| Loan and lease loss provision to assets | 0.1112% | 1,139 |
| Net operating income to assets | 1.9357% | 551 |
| Return on assets (ROA) | 1.9357% | 570 |
| Pretax return on assets | 1.9357% | 939 |
| Return on Equity (ROE) | 21.3908% | 359 |
| Retained earnings to average equity (ytd only) | 9.5999% | 1,529 |
| Net charge-offs to loans | -0.0269% | 4,114 |
| Credit loss provision to net charge-offs | -545.4545% | 3,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7988% | 4,338 |
| Assets per employee ($millions) | 9.7757% | 654 |
| Cash dividends to net income (ytd only)* | 55.1213% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2627% | 2,624 |
| Loan loss allowance to noncurrent loans | 133.6655% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.7097% | 1,156 |
| Noncurrent loans to loans | 0.9446% | 1,307 |
| Net loans and leases to total assets | 73.0943% | 847 |
| Net loans and leases to deposits | 81.4874% | 1,276 |
| Net loans and leases to core deposits | 87.5081% | 1,310 |
| Total domestic deposits to total assets | 89.7000% | 925 |
| Equity capital to assets | 8.8221% | 3,952 |
| Core capital (leverage) ratio | 8.8930% | 3,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6509% | 2,491 |
| Memoranda: | ||
| Average total assets | $647,607,000 | 1,373 |
| Average earning assets | $614,878,000 | 1,354 |
| Average equity | $58,604,667 | 1,558 |
| Average total loans | $489,996,667 | 1,205 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4445% | 853 |
| Cost of funding earning assets | 0.4944% | 1,422 |
| Net interest margin | 3.9500% | 911 |
| Noninterest income to average assets | 0.2164% | 4,099 |
| Noninterest expense to average assets | 1.9674% | 3,814 |
| Loan and lease loss provision to assets | 0.1041% | 1,309 |
| Net operating income to assets | 1.8942% | 670 |
| Return on assets (ROA) | 1.8942% | 719 |
| Pretax return on assets | 1.8942% | 1,124 |
| Return on Equity (ROE) | 20.6557% | 492 |
| Retained earnings to average equity (ytd only) | 18.9361% | 320 |
| Net charge-offs to loans | -0.0016% | 3,096 |
| Credit loss provision to net charge-offs | -8,250.0000% | 3,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6103% | 4,219 |
| Assets per employee ($millions) | 10.1800% | 563 |
| Cash dividends to net income (ytd only)* | 8.3250% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2031% | 2,911 |
| Loan loss allowance to noncurrent loans | 111.2829% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 0.8339% | 1,066 |
| Noncurrent loans to loans | 1.0811% | 1,237 |
| Net loans and leases to total assets | 76.2030% | 615 |
| Net loans and leases to deposits | 85.3825% | 1,008 |
| Net loans and leases to core deposits | 92.6823% | 1,067 |
| Total domestic deposits to total assets | 89.2490% | 1,202 |
| Equity capital to assets | 9.1116% | 3,577 |
| Core capital (leverage) ratio | 9.2675% | 3,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8789% | 2,331 |
| Memoranda: | ||
| Average total assets | $634,148,000 | 1,387 |
| Average earning assets | $601,917,000 | 1,367 |
| Average equity | $58,153,500 | 1,558 |
| Average total loans | $485,323,000 | 1,214 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9321% | 565 |
| Cost of funding earning assets | 0.9387% | 743 |
| Net interest margin | 3.9934% | 982 |
| Noninterest income to average assets | 0.2333% | 4,102 |
| Noninterest expense to average assets | 2.0131% | 4,116 |
| Loan and lease loss provision to assets | 0.2447% | 1,585 |
| Net operating income to assets | 1.7483% | 438 |
| Return on assets (ROA) | 1.7585% | 465 |
| Pretax return on assets | 1.7585% | 749 |
| Return on Equity (ROE) | 20.2807% | 217 |
| Retained earnings to average equity (ytd only) | 12.1152% | 303 |
| Net charge-offs to loans | 0.0933% | 1,526 |
| Credit loss provision to net charge-offs | 340.8257% | 1,605 |
| Earnings coverage of net charge-offs (x) | 27.7615% | 1,672 |
| Efficiency ratio | 50.2507% | 4,515 |
| Assets per employee ($millions) | 9.3451% | 665 |
| Cash dividends to net income (ytd only)* | 40.2622% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2559% | 2,639 |
| Loan loss allowance to noncurrent loans | 119.9062% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.7966% | 1,284 |
| Noncurrent loans to loans | 1.0474% | 1,358 |
| Net loans and leases to total assets | 74.9451% | 911 |
| Net loans and leases to deposits | 84.9974% | 1,359 |
| Net loans and leases to core deposits | 93.0778% | 1,302 |
| Total domestic deposits to total assets | 88.1734% | 1,395 |
| Equity capital to assets | 9.2323% | 3,855 |
| Core capital (leverage) ratio | 8.9559% | 3,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9339% | 2,262 |
| Memoranda: | ||
| Average total assets | $607,323,400 | 1,316 |
| Average earning assets | $573,768,800 | 1,302 |
| Average equity | $52,661,000 | 1,609 |
| Average total loans | $467,066,400 | 1,193 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9111% | 717 |
| Cost of funding earning assets | 1.0489% | 638 |
| Net interest margin | 3.8622% | 1,441 |
| Noninterest income to average assets | 0.2365% | 4,079 |
| Noninterest expense to average assets | 1.9714% | 4,208 |
| Loan and lease loss provision to assets | 0.2964% | 1,364 |
| Net operating income to assets | 1.6142% | 697 |
| Return on assets (ROA) | 1.6278% | 752 |
| Pretax return on assets | 1.6278% | 1,110 |
| Return on Equity (ROE) | 19.0883% | 291 |
| Retained earnings to average equity (ytd only) | 11.2318% | 531 |
| Net charge-offs to loans | 0.1248% | 1,132 |
| Credit loss provision to net charge-offs | 307.7803% | 1,737 |
| Earnings coverage of net charge-offs (x) | 19.8375% | 1,925 |
| Efficiency ratio | 50.7835% | 4,441 |
| Assets per employee ($millions) | 9.5081% | 601 |
| Cash dividends to net income (ytd only)* | 41.1589% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 2,677 |
| Loan loss allowance to noncurrent loans | 105.1493% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.8859% | 1,304 |
| Noncurrent loans to loans | 1.1394% | 1,332 |
| Net loans and leases to total assets | 76.5647% | 1,024 |
| Net loans and leases to deposits | 86.6140% | 1,632 |
| Net loans and leases to core deposits | 99.7830% | 1,175 |
| Total domestic deposits to total assets | 88.3976% | 1,016 |
| Equity capital to assets | 8.7161% | 4,317 |
| Core capital (leverage) ratio | 8.4464% | 4,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4393% | 2,020 |
| Memoranda: | ||
| Average total assets | $604,960,000 | 1,305 |
| Average earning assets | $571,019,250 | 1,297 |
| Average equity | $51,590,500 | 1,634 |
| Average total loans | $466,802,250 | 1,194 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8850% | 1,001 |
| Cost of funding earning assets | 1.1880% | 523 |
| Net interest margin | 3.6970% | 2,172 |
| Noninterest income to average assets | 0.2344% | 4,074 |
| Noninterest expense to average assets | 1.9780% | 4,273 |
| Loan and lease loss provision to assets | 0.3180% | 1,344 |
| Net operating income to assets | 1.4232% | 1,063 |
| Return on assets (ROA) | 1.4439% | 1,121 |
| Pretax return on assets | 1.4439% | 1,605 |
| Return on Equity (ROE) | 17.0603% | 448 |
| Retained earnings to average equity (ytd only) | 15.6045% | 193 |
| Net charge-offs to loans | 0.1884% | 808 |
| Credit loss provision to net charge-offs | 219.0367% | 1,845 |
| Earnings coverage of net charge-offs (x) | 11.9931% | 2,079 |
| Efficiency ratio | 53.1829% | 4,265 |
| Assets per employee ($millions) | 9.8230% | 528 |
| Cash dividends to net income (ytd only)* | 8.5332% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1105% | 2,997 |
| Loan loss allowance to noncurrent loans | 121.4351% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.6821% | 1,799 |
| Noncurrent loans to loans | 0.9145% | 1,686 |
| Net loans and leases to total assets | 73.4574% | 1,484 |
| Net loans and leases to deposits | 83.4938% | 2,046 |
| Net loans and leases to core deposits | 98.7220% | 1,355 |
| Total domestic deposits to total assets | 87.9795% | 1,190 |
| Equity capital to assets | 8.2415% | 4,617 |
| Core capital (leverage) ratio | 8.1642% | 4,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1203% | 2,559 |
| Memoranda: | ||
| Average total assets | $600,603,667 | 1,293 |
| Average earning assets | $566,140,333 | 1,276 |
| Average equity | $50,831,333 | 1,644 |
| Average total loans | $462,759,667 | 1,188 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1419% | 733 |
| Cost of funding earning assets | 1.4055% | 387 |
| Net interest margin | 3.7364% | 2,194 |
| Noninterest income to average assets | 0.2719% | 3,905 |
| Noninterest expense to average assets | 2.0917% | 4,232 |
| Loan and lease loss provision to assets | 0.3572% | 863 |
| Net operating income to assets | 1.3316% | 1,152 |
| Return on assets (ROA) | 1.3316% | 1,244 |
| Pretax return on assets | 1.3316% | 1,776 |
| Return on Equity (ROE) | 15.5053% | 480 |
| Retained earnings to average equity (ytd only) | 14.2939% | 235 |
| Net charge-offs to loans | 0.3776% | 381 |
| Credit loss provision to net charge-offs | 120.3271% | 1,706 |
| Earnings coverage of net charge-offs (x) | 5.6893% | 2,036 |
| Efficiency ratio | 55.3293% | 4,276 |
| Assets per employee ($millions) | 9.0584% | 525 |
| Cash dividends to net income (ytd only)* | 7.8125% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0719% | 3,349 |
| Loan loss allowance to noncurrent loans | 90.9360% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 0.9356% | 1,422 |
| Noncurrent loans to loans | 1.1787% | 1,398 |
| Net loans and leases to total assets | 78.2607% | 940 |
| Net loans and leases to deposits | 89.8367% | 1,530 |
| Net loans and leases to core deposits | 111.4828% | 778 |
| Total domestic deposits to total assets | 87.1143% | 1,511 |
| Equity capital to assets | 8.6305% | 4,781 |
| Core capital (leverage) ratio | 8.7183% | 4,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0518% | 3,083 |
| Memoranda: | ||
| Average total assets | $576,747,500 | 1,298 |
| Average earning assets | $541,594,500 | 1,284 |
| Average equity | $49,531,500 | 1,677 |
| Average total loans | $453,347,500 | 1,181 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3935% | 672 |
| Cost of funding earning assets | 1.6089% | 290 |
| Net interest margin | 3.7846% | 2,550 |
| Noninterest income to average assets | 0.2922% | 3,937 |
| Noninterest expense to average assets | 2.1455% | 4,278 |
| Loan and lease loss provision to assets | 0.2488% | 742 |
| Net operating income to assets | 1.4561% | 1,170 |
| Return on assets (ROA) | 1.4561% | 1,229 |
| Pretax return on assets | 1.4561% | 1,954 |
| Return on Equity (ROE) | 18.0570% | 335 |
| Retained earnings to average equity (ytd only) | 6.8439% | 1,457 |
| Net charge-offs to loans | 0.2331% | 876 |
| Credit loss provision to net charge-offs | 132.1074% | 1,927 |
| Earnings coverage of net charge-offs (x) | 9.0527% | 2,705 |
| Efficiency ratio | 55.7203% | 4,242 |
| Assets per employee ($millions) | 8.9650% | 508 |
| Cash dividends to net income (ytd only)* | 62.0982% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 3,074 |
| Loan loss allowance to noncurrent loans | 111.3212% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.7975% | 1,625 |
| Noncurrent loans to loans | 0.9679% | 1,581 |
| Net loans and leases to total assets | 77.2530% | 1,213 |
| Net loans and leases to deposits | 88.8865% | 1,715 |
| Net loans and leases to core deposits | 115.1169% | 632 |
| Total domestic deposits to total assets | 86.9119% | 1,653 |
| Equity capital to assets | 8.5452% | 4,893 |
| Core capital (leverage) ratio | 8.6020% | 4,783 |
| Tier 1 risk-based capital ratio | 10.8613% | 4,905 |
| Total risk-based capital ratio | 11.9396% | 4,879 |
| Memoranda: | ||
| Average total assets | $534,150,600 | 1,343 |
| Average earning assets | $502,196,800 | 1,326 |
| Average equity | $43,074,800 | 1,817 |
| Average total loans | $431,659,400 | 1,195 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4285% | 662 |
| Cost of funding earning assets | 1.6189% | 275 |
| Net interest margin | 3.8096% | 2,562 |
| Noninterest income to average assets | 0.3075% | 3,904 |
| Noninterest expense to average assets | 2.1590% | 4,258 |
| Loan and lease loss provision to assets | 0.1699% | 1,088 |
| Net operating income to assets | 1.5628% | 1,017 |
| Return on assets (ROA) | 1.5628% | 1,073 |
| Pretax return on assets | 1.5628% | 1,773 |
| Return on Equity (ROE) | 19.7015% | 272 |
| Retained earnings to average equity (ytd only) | 4.7771% | 3,006 |
| Net charge-offs to loans | 0.1572% | 1,054 |
| Credit loss provision to net charge-offs | 132.5397% | 1,796 |
| Earnings coverage of net charge-offs (x) | 13.5179% | 2,287 |
| Efficiency ratio | 55.4764% | 4,219 |
| Assets per employee ($millions) | 8.5345% | 566 |
| Cash dividends to net income (ytd only)* | 75.7526% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0560% | 3,245 |
| Loan loss allowance to noncurrent loans | 338.8244% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.3193% | 3,269 |
| Noncurrent loans to loans | 0.3117% | 3,409 |
| Net loans and leases to total assets | 80.0936% | 833 |
| Net loans and leases to deposits | 91.8864% | 1,449 |
| Net loans and leases to core deposits | 120.8608% | 504 |
| Total domestic deposits to total assets | 87.1658% | 1,442 |
| Equity capital to assets | 7.8306% | 5,159 |
| Core capital (leverage) ratio | 7.8562% | 5,145 |
| Tier 1 risk-based capital ratio | 9.6116% | 5,225 |
| Total risk-based capital ratio | 10.6694% | 5,224 |
| Memoranda: | ||
| Average total assets | $524,248,750 | 1,368 |
| Average earning assets | $493,235,500 | 1,350 |
| Average equity | $41,586,250 | 1,872 |
| Average total loans | $427,556,000 | 1,213 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3869% | 700 |
| Cost of funding earning assets | 1.5971% | 274 |
| Net interest margin | 3.7898% | 2,610 |
| Noninterest income to average assets | 0.2836% | 4,047 |
| Noninterest expense to average assets | 2.2421% | 4,143 |
| Loan and lease loss provision to assets | 0.1304% | 1,435 |
| Net operating income to assets | 1.4787% | 1,205 |
| Return on assets (ROA) | 1.4787% | 1,256 |
| Pretax return on assets | 1.4787% | 1,920 |
| Return on Equity (ROE) | 18.5573% | 346 |
| Retained earnings to average equity (ytd only) | -3.3405% | 4,983 |
| Net charge-offs to loans | 0.0028% | 3,068 |
| Credit loss provision to net charge-offs | 5,616.6667% | 60 |
| Earnings coverage of net charge-offs (x) | 693.1667% | 114 |
| Efficiency ratio | 58.2178% | 3,981 |
| Assets per employee ($millions) | 7.6352% | 760 |
| Cash dividends to net income (ytd only)* | 118.0010% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1055% | 3,044 |
| Loan loss allowance to noncurrent loans | 232.9961% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.4311% | 2,792 |
| Noncurrent loans to loans | 0.4745% | 2,854 |
| Net loans and leases to total assets | 82.1307% | 593 |
| Net loans and leases to deposits | 93.7425% | 1,285 |
| Net loans and leases to core deposits | 123.1023% | 453 |
| Total domestic deposits to total assets | 87.6131% | 1,278 |
| Equity capital to assets | 7.6814% | 5,219 |
| Core capital (leverage) ratio | 7.6686% | 5,216 |
| Tier 1 risk-based capital ratio | 9.2395% | 5,285 |
| Total risk-based capital ratio | 10.3500% | 5,286 |
| Memoranda: | ||
| Average total assets | $516,930,000 | 1,386 |
| Average earning assets | $486,626,330 | 1,366 |
| Average equity | $41,191,330 | 1,885 |
| Average total loans | $422,693,330 | 1,224 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3069% | 747 |
| Cost of funding earning assets | 1.5578% | 266 |
| Net interest margin | 3.7491% | 2,714 |
| Noninterest income to average assets | 0.2844% | 3,974 |
| Noninterest expense to average assets | 2.2954% | 4,032 |
| Loan and lease loss provision to assets | 0.0984% | 1,777 |
| Net operating income to assets | 1.4180% | 1,329 |
| Return on assets (ROA) | 1.4180% | 1,358 |
| Pretax return on assets | 1.4180% | 2,020 |
| Return on Equity (ROE) | 17.4717% | 447 |
| Retained earnings to average equity (ytd only) | 16.0759% | 219 |
| Net charge-offs to loans | 0.0096% | 2,349 |
| Credit loss provision to net charge-offs | 1,260.0000% | 308 |
| Earnings coverage of net charge-offs (x) | 194.1000% | 400 |
| Efficiency ratio | 60.2173% | 3,772 |
| Assets per employee ($millions) | 7.9392% | 686 |
| Cash dividends to net income (ytd only)* | 7.9890% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1041% | 3,107 |
| Loan loss allowance to noncurrent loans | 248.7083% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.4283% | 2,871 |
| Noncurrent loans to loans | 0.4439% | 2,993 |
| Net loans and leases to total assets | 78.9944% | 989 |
| Net loans and leases to deposits | 90.5240% | 1,566 |
| Net loans and leases to core deposits | 120.0214% | 529 |
| Total domestic deposits to total assets | 87.2636% | 1,677 |
| Equity capital to assets | 8.1113% | 5,147 |
| Core capital (leverage) ratio | 8.4140% | 5,055 |
| Tier 1 risk-based capital ratio | 10.1583% | 5,252 |
| Total risk-based capital ratio | 11.2601% | 5,236 |
| Memoranda: | ||
| Average total assets | $511,979,000 | 1,407 |
| Average earning assets | $481,711,500 | 1,386 |
| Average equity | $41,553,000 | 1,872 |
| Average total loans | $415,276,000 | 1,245 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2227% | 670 |
| Cost of funding earning assets | 1.1356% | 444 |
| Net interest margin | 4.0871% | 1,726 |
| Noninterest income to average assets | 0.3002% | 4,098 |
| Noninterest expense to average assets | 2.3453% | 4,007 |
| Loan and lease loss provision to assets | 0.1413% | 1,521 |
| Net operating income to assets | 1.6524% | 769 |
| Return on assets (ROA) | 1.6524% | 764 |
| Pretax return on assets | 1.6524% | 1,305 |
| Return on Equity (ROE) | 19.6985% | 267 |
| Retained earnings to average equity (ytd only) | 6.7383% | 1,791 |
| Net charge-offs to loans | 0.0105% | 3,321 |
| Credit loss provision to net charge-offs | 1,647.5000% | 260 |
| Earnings coverage of net charge-offs (x) | 209.1250% | 439 |
| Efficiency ratio | 56.6625% | 4,326 |
| Assets per employee ($millions) | 7.8121% | 700 |
| Cash dividends to net income (ytd only)* | 65.7929% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0934% | 3,149 |
| Loan loss allowance to noncurrent loans | 1,090.7990% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.1378% | 4,131 |
| Noncurrent loans to loans | 0.1002% | 4,280 |
| Net loans and leases to total assets | 81.5058% | 731 |
| Net loans and leases to deposits | 92.2632% | 1,512 |
| Net loans and leases to core deposits | 120.4858% | 529 |
| Total domestic deposits to total assets | 88.3406% | 1,142 |
| Equity capital to assets | 8.1212% | 5,119 |
| Core capital (leverage) ratio | 8.3275% | 5,104 |
| Tier 1 risk-based capital ratio | 10.0713% | 5,291 |
| Total risk-based capital ratio | 11.1797% | 5,274 |
| Memoranda: | ||
| Average total assets | $466,338,000 | 1,500 |
| Average earning assets | $438,014,200 | 1,484 |
| Average equity | $39,119,800 | 1,901 |
| Average total loans | $380,721,200 | 1,307 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1435% | 699 |
| Cost of funding earning assets | 1.0273% | 528 |
| Net interest margin | 4.1161% | 1,582 |
| Noninterest income to average assets | 0.3051% | 4,106 |
| Noninterest expense to average assets | 2.3342% | 4,011 |
| Loan and lease loss provision to assets | 0.1377% | 1,455 |
| Net operating income to assets | 1.6957% | 754 |
| Return on assets (ROA) | 1.6957% | 753 |
| Pretax return on assets | 1.6957% | 1,288 |
| Return on Equity (ROE) | 20.0397% | 273 |
| Retained earnings to average equity (ytd only) | 5.6740% | 2,839 |
| Net charge-offs to loans | 0.0039% | 3,324 |
| Credit loss provision to net charge-offs | 4,300.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 572.3102% | 158 |
| Efficiency ratio | 56.0081% | 4,390 |
| Assets per employee ($millions) | 6.9750% | 941 |
| Cash dividends to net income (ytd only)* | 71.6862% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0969% | 3,212 |
| Loan loss allowance to noncurrent loans | 903.9501% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.1470% | 4,213 |
| Noncurrent loans to loans | 0.1213% | 4,346 |
| Net loans and leases to total assets | 82.6579% | 611 |
| Net loans and leases to deposits | 94.2226% | 1,361 |
| Net loans and leases to core deposits | 119.8771% | 575 |
| Total domestic deposits to total assets | 87.7263% | 1,377 |
| Equity capital to assets | 8.3161% | 5,028 |
| Core capital (leverage) ratio | 8.5531% | 5,060 |
| Tier 1 risk-based capital ratio | 10.1693% | 5,337 |
| Total risk-based capital ratio | 11.2761% | 5,323 |
| Memoranda: | ||
| Average total assets | $457,929,250 | 1,529 |
| Average earning assets | $429,713,500 | 1,510 |
| Average equity | $38,748,750 | 1,919 |
| Average total loans | $372,898,500 | 1,332 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0417% | 744 |
| Cost of funding earning assets | 0.9366% | 619 |
| Net interest margin | 4.1051% | 1,539 |
| Noninterest income to average assets | 0.3019% | 4,160 |
| Noninterest expense to average assets | 2.3356% | 4,059 |
| Loan and lease loss provision to assets | 0.1202% | 1,641 |
| Net operating income to assets | 1.6956% | 724 |
| Return on assets (ROA) | 1.6956% | 732 |
| Pretax return on assets | 1.6956% | 1,220 |
| Return on Equity (ROE) | 19.9183% | 274 |
| Retained earnings to average equity (ytd only) | -1.0073% | 5,069 |
| Net charge-offs to loans | 0.0088% | 2,818 |
| Credit loss provision to net charge-offs | 1,700.0000% | 250 |
| Earnings coverage of net charge-offs (x) | 256.7500% | 348 |
| Efficiency ratio | 56.2606% | 4,448 |
| Assets per employee ($millions) | 7.2959% | 830 |
| Cash dividends to net income (ytd only)* | 105.0574% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1063% | 3,223 |
| Loan loss allowance to noncurrent loans | 771.5084% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.1168% | 4,410 |
| Noncurrent loans to loans | 0.1434% | 4,253 |
| Net loans and leases to total assets | 80.5715% | 933 |
| Net loans and leases to deposits | 91.0627% | 1,701 |
| Net loans and leases to core deposits | 116.3145% | 702 |
| Total domestic deposits to total assets | 88.4791% | 1,152 |
| Equity capital to assets | 8.2122% | 5,126 |
| Core capital (leverage) ratio | 8.4546% | 5,138 |
| Tier 1 risk-based capital ratio | 10.2266% | 5,361 |
| Total risk-based capital ratio | 11.3386% | 5,339 |
| Memoranda: | ||
| Average total assets | $452,473,000 | 1,551 |
| Average earning assets | $424,299,670 | 1,532 |
| Average equity | $38,517,330 | 1,927 |
| Average total loans | $365,067,000 | 1,350 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9028% | 866 |
| Cost of funding earning assets | 0.8936% | 613 |
| Net interest margin | 4.0092% | 1,697 |
| Noninterest income to average assets | 0.3039% | 4,129 |
| Noninterest expense to average assets | 2.3186% | 4,149 |
| Loan and lease loss provision to assets | 0.1167% | 1,620 |
| Net operating income to assets | 1.6227% | 814 |
| Return on assets (ROA) | 1.6227% | 817 |
| Pretax return on assets | 1.6227% | 1,323 |
| Return on Equity (ROE) | 18.7237% | 337 |
| Retained earnings to average equity (ytd only) | 17.3356% | 180 |
| Net charge-offs to loans | 0.0189% | 2,124 |
| Credit loss provision to net charge-offs | 770.5882% | 426 |
| Earnings coverage of net charge-offs (x) | 114.8235% | 549 |
| Efficiency ratio | 57.1366% | 4,448 |
| Assets per employee ($millions) | 7.3972% | 807 |
| Cash dividends to net income (ytd only)* | 7.4135% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 3,317 |
| Loan loss allowance to noncurrent loans | 835.2818% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 4,555 |
| Noncurrent loans to loans | 0.1328% | 4,374 |
| Net loans and leases to total assets | 79.0345% | 1,074 |
| Net loans and leases to deposits | 90.0774% | 1,684 |
| Net loans and leases to core deposits | 127.3038% | 389 |
| Total domestic deposits to total assets | 87.7407% | 1,768 |
| Equity capital to assets | 8.7793% | 4,766 |
| Core capital (leverage) ratio | 8.9141% | 4,785 |
| Tier 1 risk-based capital ratio | 11.0860% | 5,090 |
| Total risk-based capital ratio | 12.1953% | 5,062 |
| Memoranda: | ||
| Average total assets | $448,887,500 | 1,570 |
| Average earning assets | $420,333,500 | 1,553 |
| Average equity | $38,902,500 | 1,917 |
| Average total loans | $360,358,000 | 1,366 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9022% | 793 |
| Cost of funding earning assets | 0.6639% | 1,227 |
| Net interest margin | 4.2383% | 1,108 |
| Noninterest income to average assets | 0.5294% | 2,824 |
| Noninterest expense to average assets | 2.3872% | 4,117 |
| Loan and lease loss provision to assets | 0.2809% | 632 |
| Net operating income to assets | 1.8175% | 402 |
| Return on assets (ROA) | 1.8172% | 411 |
| Pretax return on assets | 1.8172% | 761 |
| Return on Equity (ROE) | 20.6538% | 170 |
| Retained earnings to average equity (ytd only) | 7.5398% | 909 |
| Net charge-offs to loans | 0.1780% | 1,404 |
| Credit loss provision to net charge-offs | 196.3272% | 1,392 |
| Earnings coverage of net charge-offs (x) | 14.6644% | 2,312 |
| Efficiency ratio | 53.2194% | 5,017 |
| Assets per employee ($millions) | 7.3204% | 836 |
| Cash dividends to net income (ytd only)* | 63.4942% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 3,455 |
| Loan loss allowance to noncurrent loans | 753.1008% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.1156% | 4,556 |
| Noncurrent loans to loans | 0.1433% | 4,352 |
| Net loans and leases to total assets | 79.7684% | 991 |
| Net loans and leases to deposits | 91.0725% | 1,639 |
| Net loans and leases to core deposits | 126.5692% | 419 |
| Total domestic deposits to total assets | 87.5878% | 1,712 |
| Equity capital to assets | 8.5524% | 5,086 |
| Core capital (leverage) ratio | 8.5298% | 5,110 |
| Tier 1 risk-based capital ratio | 10.6045% | 5,334 |
| Total risk-based capital ratio | 11.6805% | 5,305 |
| Memoranda: | ||
| Average total assets | $418,606,600 | 1,642 |
| Average earning assets | $390,743,400 | 1,632 |
| Average equity | $36,831,000 | 1,991 |
| Average total loans | $336,509,600 | 1,423 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8768% | 797 |
| Cost of funding earning assets | 0.6166% | 1,422 |
| Net interest margin | 4.2603% | 1,024 |
| Noninterest income to average assets | 0.6112% | 2,417 |
| Noninterest expense to average assets | 2.3746% | 4,081 |
| Loan and lease loss provision to assets | 0.3353% | 449 |
| Net operating income to assets | 1.8742% | 409 |
| Return on assets (ROA) | 1.8738% | 416 |
| Pretax return on assets | 1.8738% | 737 |
| Return on Equity (ROE) | 21.1370% | 171 |
| Retained earnings to average equity (ytd only) | 7.6364% | 1,378 |
| Net charge-offs to loans | 0.1585% | 1,291 |
| Credit loss provision to net charge-offs | 263.3588% | 1,088 |
| Earnings coverage of net charge-offs (x) | 17.3561% | 2,105 |
| Efficiency ratio | 51.8019% | 5,118 |
| Assets per employee ($millions) | 7.2904% | 829 |
| Cash dividends to net income (ytd only)* | 63.8720% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1385% | 3,263 |
| Loan loss allowance to noncurrent loans | 372.5730% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.2467% | 4,075 |
| Noncurrent loans to loans | 0.3056% | 3,847 |
| Net loans and leases to total assets | 79.8053% | 1,012 |
| Net loans and leases to deposits | 92.3205% | 1,519 |
| Net loans and leases to core deposits | 122.0435% | 516 |
| Total domestic deposits to total assets | 86.4437% | 2,117 |
| Equity capital to assets | 8.7508% | 5,118 |
| Core capital (leverage) ratio | 9.1284% | 4,602 |
| Tier 1 risk-based capital ratio | 10.8077% | 5,342 |
| Total risk-based capital ratio | 11.9436% | 5,304 |
| Memoranda: | ||
| Average total assets | $411,622,500 | 1,679 |
| Average earning assets | $383,845,500 | 1,663 |
| Average equity | $36,491,250 | 2,010 |
| Average total loans | $330,615,500 | 1,456 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7743% | 910 |
| Cost of funding earning assets | 0.6027% | 1,426 |
| Net interest margin | 4.1717% | 1,145 |
| Noninterest income to average assets | 0.7552% | 1,746 |
| Noninterest expense to average assets | 2.3751% | 4,135 |
| Loan and lease loss provision to assets | 0.4262% | 296 |
| Net operating income to assets | 1.8429% | 416 |
| Return on assets (ROA) | 1.8429% | 430 |
| Pretax return on assets | 1.8429% | 759 |
| Return on Equity (ROE) | 20.6933% | 190 |
| Retained earnings to average equity (ytd only) | 0.9748% | 4,846 |
| Net charge-offs to loans | 0.1384% | 1,328 |
| Credit loss provision to net charge-offs | 384.0000% | 804 |
| Earnings coverage of net charge-offs (x) | 20.4444% | 1,795 |
| Efficiency ratio | 51.1418% | 5,233 |
| Assets per employee ($millions) | 6.8189% | 1,005 |
| Cash dividends to net income (ytd only)* | 95.2891% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 2,952 |
| Loan loss allowance to noncurrent loans | 344.2895% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.2855% | 3,988 |
| Noncurrent loans to loans | 0.3517% | 3,770 |
| Net loans and leases to total assets | 78.7573% | 1,128 |
| Net loans and leases to deposits | 90.4630% | 1,670 |
| Net loans and leases to core deposits | 120.2254% | 552 |
| Total domestic deposits to total assets | 87.0602% | 1,922 |
| Equity capital to assets | 8.7346% | 5,116 |
| Core capital (leverage) ratio | 8.7994% | 4,949 |
| Tier 1 risk-based capital ratio | 10.9816% | 5,259 |
| Total risk-based capital ratio | 12.1965% | 5,180 |
| Memoranda: | ||
| Average total assets | $405,452,670 | 1,694 |
| Average earning assets | $377,978,330 | 1,692 |
| Average equity | $36,108,330 | 2,020 |
| Average total loans | $325,080,330 | 1,479 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7490% | 849 |
| Cost of funding earning assets | 0.5849% | 1,479 |
| Net interest margin | 4.1641% | 1,058 |
| Noninterest income to average assets | 1.1734% | 738 |
| Noninterest expense to average assets | 2.3319% | 4,315 |
| Loan and lease loss provision to assets | 0.5669% | 172 |
| Net operating income to assets | 2.1555% | 241 |
| Return on assets (ROA) | 2.1555% | 248 |
| Pretax return on assets | 2.1555% | 380 |
| Return on Equity (ROE) | 23.9706% | 106 |
| Retained earnings to average equity (ytd only) | 22.5930% | 70 |
| Net charge-offs to loans | 0.2749% | 660 |
| Credit loss provision to net charge-offs | 256.5022% | 869 |
| Earnings coverage of net charge-offs (x) | 12.3184% | 1,845 |
| Efficiency ratio | 46.1373% | 5,524 |
| Assets per employee ($millions) | 7.2956% | 822 |
| Cash dividends to net income (ytd only)* | 5.7471% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1214% | 3,577 |
| Loan loss allowance to noncurrent loans | 229.1797% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.3960% | 3,613 |
| Noncurrent loans to loans | 0.4893% | 3,337 |
| Net loans and leases to total assets | 78.9920% | 985 |
| Net loans and leases to deposits | 91.3048% | 1,396 |
| Net loans and leases to core deposits | 121.1122% | 435 |
| Total domestic deposits to total assets | 86.5146% | 2,432 |
| Equity capital to assets | 9.1462% | 4,664 |
| Core capital (leverage) ratio | 9.3377% | 4,292 |
| Tier 1 risk-based capital ratio | 11.5132% | 5,017 |
| Total risk-based capital ratio | 12.6348% | 5,000 |
| Memoranda: | ||
| Average total assets | $403,612,500 | 1,717 |
| Average earning assets | $376,164,000 | 1,706 |
| Average equity | $36,294,500 | 2,016 |
| Average total loans | $324,535,000 | 1,486 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7788% | 921 |
| Cost of funding earning assets | 0.5814% | 1,477 |
| Net interest margin | 4.1974% | 1,120 |
| Noninterest income to average assets | 0.3623% | 4,153 |
| Noninterest expense to average assets | 2.4217% | 4,238 |
| Loan and lease loss provision to assets | 0.2141% | 1,047 |
| Net operating income to assets | 1.6213% | 649 |
| Return on assets (ROA) | 1.6245% | 669 |
| Pretax return on assets | 1.6245% | 1,207 |
| Return on Equity (ROE) | 18.1021% | 322 |
| Retained earnings to average equity (ytd only) | 8.8186% | 623 |
| Net charge-offs to loans | 0.2003% | 1,386 |
| Credit loss provision to net charge-offs | 133.6079% | 2,026 |
| Earnings coverage of net charge-offs (x) | 11.4514% | 2,538 |
| Efficiency ratio | 56.8850% | 4,966 |
| Assets per employee ($millions) | 7.1191% | 869 |
| Cash dividends to net income (ytd only)* | 51.2841% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 4,159 |
| Loan loss allowance to noncurrent loans | 77.1076% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 1.1247% | 1,653 |
| Noncurrent loans to loans | 1.3307% | 1,546 |
| Net loans and leases to total assets | 80.1097% | 883 |
| Net loans and leases to deposits | 92.6831% | 1,346 |
| Net loans and leases to core deposits | 123.9752% | 384 |
| Total domestic deposits to total assets | 86.4340% | 2,402 |
| Equity capital to assets | 8.8348% | 4,978 |
| Core capital (leverage) ratio | 9.1287% | 4,585 |
| Tier 1 risk-based capital ratio | 11.1623% | 5,248 |
| Total risk-based capital ratio | 12.2028% | 5,259 |
| Memoranda: | ||
| Average total assets | $378,707,200 | 1,771 |
| Average earning assets | $351,409,400 | 1,766 |
| Average equity | $33,985,000 | 2,132 |
| Average total loans | $302,997,200 | 1,507 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7611% | 964 |
| Cost of funding earning assets | 0.5804% | 1,481 |
| Net interest margin | 4.1807% | 1,176 |
| Noninterest income to average assets | 0.3742% | 4,102 |
| Noninterest expense to average assets | 2.4310% | 4,190 |
| Loan and lease loss provision to assets | 0.1352% | 1,736 |
| Net operating income to assets | 1.6861% | 610 |
| Return on assets (ROA) | 1.6861% | 649 |
| Pretax return on assets | 1.6861% | 1,152 |
| Return on Equity (ROE) | 18.7113% | 317 |
| Retained earnings to average equity (ytd only) | 6.7149% | 1,777 |
| Net charge-offs to loans | 0.0018% | 3,873 |
| Credit loss provision to net charge-offs | 9,475.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 1,277.0169% | 49 |
| Efficiency ratio | 57.1692% | 4,935 |
| Assets per employee ($millions) | 7.3822% | 763 |
| Cash dividends to net income (ytd only)* | 64.1134% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1472% | 3,554 |
| Loan loss allowance to noncurrent loans | 181.7328% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.5486% | 3,265 |
| Noncurrent loans to loans | 0.6313% | 3,122 |
| Net loans and leases to total assets | 78.1600% | 1,166 |
| Net loans and leases to deposits | 90.5854% | 1,683 |
| Net loans and leases to core deposits | 122.4028% | 443 |
| Total domestic deposits to total assets | 86.2832% | 2,226 |
| Equity capital to assets | 8.9866% | 5,192 |
| Core capital (leverage) ratio | 8.9398% | 4,896 |
| Tier 1 risk-based capital ratio | 10.5868% | 5,577 |
| Total risk-based capital ratio | 11.6640% | 5,584 |
| Memoranda: | ||
| Average total assets | $373,716,000 | 1,792 |
| Average earning assets | $346,661,500 | 1,794 |
| Average equity | $33,675,750 | 2,164 |
| Average total loans | $298,075,000 | 1,527 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7952% | 897 |
| Cost of funding earning assets | 0.5695% | 1,550 |
| Net interest margin | 4.2257% | 1,068 |
| Noninterest income to average assets | 0.3656% | 4,144 |
| Noninterest expense to average assets | 2.4475% | 4,195 |
| Loan and lease loss provision to assets | 0.1005% | 2,157 |
| Net operating income to assets | 1.7325% | 544 |
| Return on assets (ROA) | 1.7325% | 574 |
| Pretax return on assets | 1.7325% | 1,020 |
| Return on Equity (ROE) | 19.2084% | 284 |
| Retained earnings to average equity (ytd only) | 1.4251% | 4,805 |
| Net charge-offs to loans | 0.0007% | 3,679 |
| Credit loss provision to net charge-offs | 18,600.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 3,394.0000% | 12 |
| Efficiency ratio | 57.1789% | 5,003 |
| Assets per employee ($millions) | 6.8018% | 950 |
| Cash dividends to net income (ytd only)* | 92.5810% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 3,973 |
| Loan loss allowance to noncurrent loans | 929.9435% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.1454% | 4,930 |
| Noncurrent loans to loans | 0.1177% | 4,976 |
| Net loans and leases to total assets | 79.5148% | 985 |
| Net loans and leases to deposits | 92.3351% | 1,467 |
| Net loans and leases to core deposits | 120.0672% | 511 |
| Total domestic deposits to total assets | 86.1154% | 2,362 |
| Equity capital to assets | 8.8455% | 5,366 |
| Core capital (leverage) ratio | 8.7103% | 5,160 |
| Tier 1 risk-based capital ratio | 10.3958% | 5,722 |
| Total risk-based capital ratio | 11.4404% | 5,730 |
| Memoranda: | ||
| Average total assets | $370,330,330 | 1,812 |
| Average earning assets | $343,089,670 | 1,814 |
| Average equity | $33,402,000 | 2,178 |
| Average total loans | $296,261,000 | 1,536 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7869% | 879 |
| Cost of funding earning assets | 0.5535% | 1,669 |
| Net interest margin | 4.2334% | 1,029 |
| Noninterest income to average assets | 0.3583% | 4,161 |
| Noninterest expense to average assets | 2.4307% | 4,289 |
| Loan and lease loss provision to assets | 0.1010% | 2,008 |
| Net operating income to assets | 1.7457% | 520 |
| Return on assets (ROA) | 1.7457% | 555 |
| Pretax return on assets | 1.7457% | 950 |
| Return on Equity (ROE) | 19.1671% | 279 |
| Retained earnings to average equity (ytd only) | 18.4519% | 120 |
| Net charge-offs to loans | 0.0082% | 2,848 |
| Credit loss provision to net charge-offs | 1,550.0000% | 264 |
| Earnings coverage of net charge-offs (x) | 283.5000% | 209 |
| Efficiency ratio | 56.8274% | 5,116 |
| Assets per employee ($millions) | 6.6148% | 1,050 |
| Cash dividends to net income (ytd only)* | 3.7313% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0713% | 4,218 |
| Loan loss allowance to noncurrent loans | 844.7090% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.1899% | 4,811 |
| Noncurrent loans to loans | 0.1268% | 4,966 |
| Net loans and leases to total assets | 78.2042% | 1,074 |
| Net loans and leases to deposits | 91.5041% | 1,404 |
| Net loans and leases to core deposits | 114.2863% | 659 |
| Total domestic deposits to total assets | 85.4652% | 2,926 |
| Equity capital to assets | 9.1125% | 5,071 |
| Core capital (leverage) ratio | 9.2422% | 4,555 |
| Tier 1 risk-based capital ratio | 10.8304% | 5,588 |
| Total risk-based capital ratio | 11.8454% | 5,617 |
| Memoranda: | ||
| Average total assets | $368,446,000 | 1,819 |
| Average earning assets | $341,095,000 | 1,823 |
| Average equity | $33,557,500 | 2,176 |
| Average total loans | $294,013,500 | 1,546 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7475% | 1,015 |
| Cost of funding earning assets | 0.5334% | 1,895 |
| Net interest margin | 4.2141% | 1,141 |
| Noninterest income to average assets | 0.3894% | 4,115 |
| Noninterest expense to average assets | 2.4326% | 4,431 |
| Loan and lease loss provision to assets | 0.1312% | 1,824 |
| Net operating income to assets | 1.7139% | 563 |
| Return on assets (ROA) | 1.7276% | 571 |
| Pretax return on assets | 1.7276% | 936 |
| Return on Equity (ROE) | 19.1486% | 293 |
| Retained earnings to average equity (ytd only) | 10.4196% | 406 |
| Net charge-offs to loans | -0.0034% | 4,925 |
| Credit loss provision to net charge-offs | -4,977.7778% | 5,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8681% | 5,265 |
| Assets per employee ($millions) | 6.7896% | 969 |
| Cash dividends to net income (ytd only)* | 45.5855% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0711% | 4,206 |
| Loan loss allowance to noncurrent loans | 1,893.9024% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.1056% | 5,180 |
| Noncurrent loans to loans | 0.0566% | 5,291 |
| Net loans and leases to total assets | 79.7180% | 876 |
| Net loans and leases to deposits | 92.2434% | 1,376 |
| Net loans and leases to core deposits | 115.5883% | 613 |
| Total domestic deposits to total assets | 86.4213% | 2,420 |
| Equity capital to assets | 9.1029% | 5,019 |
| Core capital (leverage) ratio | 9.1009% | 4,755 |
| Tier 1 risk-based capital ratio | 10.6867% | 5,682 |
| Total risk-based capital ratio | 11.7073% | 5,712 |
| Memoranda: | ||
| Average total assets | $341,568,800 | 1,910 |
| Average earning assets | $315,158,200 | 1,922 |
| Average equity | $30,816,800 | 2,260 |
| Average total loans | $268,285,200 | 1,625 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7230% | 1,059 |
| Cost of funding earning assets | 0.5247% | 2,001 |
| Net interest margin | 4.1983% | 1,170 |
| Noninterest income to average assets | 0.3774% | 4,232 |
| Noninterest expense to average assets | 2.4158% | 4,465 |
| Loan and lease loss provision to assets | 0.1412% | 1,571 |
| Net operating income to assets | 1.6949% | 632 |
| Return on assets (ROA) | 1.7135% | 632 |
| Pretax return on assets | 1.7135% | 1,067 |
| Return on Equity (ROE) | 19.0379% | 332 |
| Retained earnings to average equity (ytd only) | 7.4771% | 1,458 |
| Net charge-offs to loans | -0.0066% | 4,885 |
| Credit loss provision to net charge-offs | -2,746.1538% | 5,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8159% | 5,247 |
| Assets per employee ($millions) | 6.4396% | 1,094 |
| Cash dividends to net income (ytd only)* | 60.7250% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0794% | 4,342 |
| Loan loss allowance to noncurrent loans | 923.2416% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.1487% | 5,168 |
| Noncurrent loans to loans | 0.1169% | 5,161 |
| Net loans and leases to total assets | 79.5678% | 874 |
| Net loans and leases to deposits | 91.6792% | 1,447 |
| Net loans and leases to core deposits | 115.3300% | 622 |
| Total domestic deposits to total assets | 86.7894% | 2,145 |
| Equity capital to assets | 8.9712% | 5,331 |
| Core capital (leverage) ratio | 8.9663% | 5,032 |
| Tier 1 risk-based capital ratio | 10.8907% | 5,711 |
| Total risk-based capital ratio | 11.9508% | 5,729 |
| Memoranda: | ||
| Average total assets | $336,998,250 | 1,956 |
| Average earning assets | $311,006,250 | 1,960 |
| Average equity | $30,331,750 | 2,311 |
| Average total loans | $262,863,500 | 1,663 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6965% | 1,071 |
| Cost of funding earning assets | 0.5163% | 2,101 |
| Net interest margin | 4.1802% | 1,149 |
| Noninterest income to average assets | 0.3713% | 4,286 |
| Noninterest expense to average assets | 2.3754% | 4,636 |
| Loan and lease loss provision to assets | 0.1548% | 1,373 |
| Net operating income to assets | 1.6928% | 635 |
| Return on assets (ROA) | 1.7210% | 630 |
| Pretax return on assets | 1.7210% | 1,043 |
| Return on Equity (ROE) | 19.0989% | 324 |
| Retained earnings to average equity (ytd only) | 1.9904% | 4,702 |
| Net charge-offs to loans | 0.0023% | 3,820 |
| Credit loss provision to net charge-offs | 8,600.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 1,026.6667% | 55 |
| Efficiency ratio | 56.2500% | 5,406 |
| Assets per employee ($millions) | 5.8979% | 1,433 |
| Cash dividends to net income (ytd only)* | 89.5783% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0896% | 4,377 |
| Loan loss allowance to noncurrent loans | 322.4195% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.3306% | 4,555 |
| Noncurrent loans to loans | 0.3379% | 4,476 |
| Net loans and leases to total assets | 77.0894% | 1,202 |
| Net loans and leases to deposits | 89.1076% | 1,705 |
| Net loans and leases to core deposits | 109.7189% | 848 |
| Total domestic deposits to total assets | 86.5127% | 2,430 |
| Equity capital to assets | 8.6901% | 5,535 |
| Core capital (leverage) ratio | 8.8479% | 5,160 |
| Tier 1 risk-based capital ratio | 10.9056% | 5,763 |
| Total risk-based capital ratio | 11.9755% | 5,769 |
| Memoranda: | ||
| Average total assets | $333,419,000 | 1,995 |
| Average earning assets | $307,209,000 | 2,002 |
| Average equity | $30,043,670 | 2,336 |
| Average total loans | $257,249,670 | 1,698 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6081% | 1,200 |
| Cost of funding earning assets | 0.5214% | 2,098 |
| Net interest margin | 4.0867% | 1,315 |
| Noninterest income to average assets | 0.3428% | 4,453 |
| Noninterest expense to average assets | 2.3799% | 4,654 |
| Loan and lease loss provision to assets | 0.1422% | 1,439 |
| Net operating income to assets | 1.5838% | 729 |
| Return on assets (ROA) | 1.6409% | 695 |
| Pretax return on assets | 1.6409% | 1,171 |
| Return on Equity (ROE) | 17.8796% | 392 |
| Retained earnings to average equity (ytd only) | 17.0850% | 174 |
| Net charge-offs to loans | -0.0016% | 4,342 |
| Credit loss provision to net charge-offs | -11,700.0000% | 5,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9633% | 5,340 |
| Assets per employee ($millions) | 6.5020% | 1,074 |
| Cash dividends to net income (ytd only)* | 4.4444% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0824% | 4,605 |
| Loan loss allowance to noncurrent loans | 217.8740% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.4605% | 4,187 |
| Noncurrent loans to loans | 0.4968% | 4,089 |
| Net loans and leases to total assets | 76.2575% | 1,174 |
| Net loans and leases to deposits | 88.2022% | 1,593 |
| Net loans and leases to core deposits | 111.1373% | 698 |
| Total domestic deposits to total assets | 86.4576% | 2,689 |
| Equity capital to assets | 9.2987% | 4,969 |
| Core capital (leverage) ratio | 9.3711% | 4,473 |
| Tier 1 risk-based capital ratio | 11.3333% | 5,642 |
| Total risk-based capital ratio | 12.3581% | 5,671 |
| Memoranda: | ||
| Average total assets | $329,089,500 | 2,029 |
| Average earning assets | $303,031,000 | 2,036 |
| Average equity | $30,202,000 | 2,335 |
| Average total loans | $252,569,000 | 1,722 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8217% | 1,070 |
| Cost of funding earning assets | 0.5191% | 2,498 |
| Net interest margin | 4.3026% | 1,058 |
| Noninterest income to average assets | 0.3625% | 4,496 |
| Noninterest expense to average assets | 2.5087% | 4,519 |
| Loan and lease loss provision to assets | 0.1566% | 1,678 |
| Net operating income to assets | 1.6363% | 660 |
| Return on assets (ROA) | 1.6363% | 685 |
| Pretax return on assets | 1.6363% | 1,135 |
| Return on Equity (ROE) | 17.8429% | 414 |
| Retained earnings to average equity (ytd only) | 8.4688% | 838 |
| Net charge-offs to loans | 0.0440% | 3,943 |
| Credit loss provision to net charge-offs | 465.0485% | 565 |
| Earnings coverage of net charge-offs (x) | 53.2524% | 879 |
| Efficiency ratio | 58.3207% | 5,425 |
| Assets per employee ($millions) | 6.4034% | 1,115 |
| Cash dividends to net income (ytd only)* | 52.5370% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0621% | 4,756 |
| Loan loss allowance to noncurrent loans | 236.8186% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.4213% | 4,417 |
| Noncurrent loans to loans | 0.4485% | 4,298 |
| Net loans and leases to total assets | 75.5869% | 1,331 |
| Net loans and leases to deposits | 86.5392% | 1,912 |
| Net loans and leases to core deposits | 108.3579% | 868 |
| Total domestic deposits to total assets | 87.3441% | 2,104 |
| Equity capital to assets | 9.0543% | 5,231 |
| Core capital (leverage) ratio | 8.9205% | 5,096 |
| Tier 1 risk-based capital ratio | 11.2864% | 5,775 |
| Total risk-based capital ratio | 12.3068% | 5,827 |
| Memoranda: | ||
| Average total assets | $305,939,200 | 2,125 |
| Average earning assets | $280,089,400 | 2,124 |
| Average equity | $28,056,000 | 2,406 |
| Average total loans | $234,191,000 | 1,797 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8470% | 1,025 |
| Cost of funding earning assets | 0.5090% | 2,675 |
| Net interest margin | 4.3380% | 976 |
| Noninterest income to average assets | 0.3644% | 4,514 |
| Noninterest expense to average assets | 2.5409% | 4,391 |
| Loan and lease loss provision to assets | 0.1432% | 1,754 |
| Net operating income to assets | 1.6437% | 679 |
| Return on assets (ROA) | 1.6437% | 706 |
| Pretax return on assets | 1.6437% | 1,201 |
| Return on Equity (ROE) | 17.8623% | 457 |
| Retained earnings to average equity (ytd only) | 5.4820% | 2,774 |
| Net charge-offs to loans | -0.0145% | 5,524 |
| Credit loss provision to net charge-offs | -1,292.0000% | 5,910 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7115% | 5,350 |
| Assets per employee ($millions) | 6.3352% | 1,123 |
| Cash dividends to net income (ytd only)* | 69.3095% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1140% | 4,690 |
| Loan loss allowance to noncurrent loans | 153.5129% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.6082% | 4,016 |
| Noncurrent loans to loans | 0.7257% | 3,789 |
| Net loans and leases to total assets | 72.0340% | 1,842 |
| Net loans and leases to deposits | 82.9634% | 2,297 |
| Net loans and leases to core deposits | 103.8110% | 1,114 |
| Total domestic deposits to total assets | 86.8262% | 2,405 |
| Equity capital to assets | 8.7646% | 5,579 |
| Core capital (leverage) ratio | 8.9627% | 5,119 |
| Tier 1 risk-based capital ratio | 11.4494% | 5,816 |
| Total risk-based capital ratio | 12.5187% | 5,832 |
| Memoranda: | ||
| Average total assets | $300,780,250 | 2,168 |
| Average earning assets | $274,804,500 | 2,176 |
| Average equity | $27,677,750 | 2,439 |
| Average total loans | $230,364,250 | 1,829 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9267% | 866 |
| Cost of funding earning assets | 0.5070% | 2,761 |
| Net interest margin | 4.4197% | 821 |
| Noninterest income to average assets | 0.3791% | 4,414 |
| Noninterest expense to average assets | 2.5520% | 4,408 |
| Loan and lease loss provision to assets | 0.1514% | 1,628 |
| Net operating income to assets | 1.7052% | 569 |
| Return on assets (ROA) | 1.7052% | 594 |
| Pretax return on assets | 1.7052% | 1,008 |
| Return on Equity (ROE) | 18.2127% | 442 |
| Retained earnings to average equity (ytd only) | -0.0655% | 5,695 |
| Net charge-offs to loans | 0.0166% | 3,893 |
| Credit loss provision to net charge-offs | 1,168.4211% | 299 |
| Earnings coverage of net charge-offs (x) | 143.3158% | 428 |
| Efficiency ratio | 57.8874% | 5,570 |
| Assets per employee ($millions) | 6.0107% | 1,270 |
| Cash dividends to net income (ytd only)* | 100.3599% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0633% | 5,052 |
| Loan loss allowance to noncurrent loans | 223.2642% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.4368% | 4,703 |
| Noncurrent loans to loans | 0.4763% | 4,570 |
| Net loans and leases to total assets | 75.1540% | 1,287 |
| Net loans and leases to deposits | 87.1391% | 1,694 |
| Net loans and leases to core deposits | 107.2962% | 810 |
| Total domestic deposits to total assets | 86.2460% | 2,900 |
| Equity capital to assets | 8.8545% | 5,464 |
| Core capital (leverage) ratio | 9.0985% | 4,875 |
| Tier 1 risk-based capital ratio | 11.0661% | 6,023 |
| Total risk-based capital ratio | 12.0836% | 6,064 |
| Memoranda: | ||
| Average total assets | $293,341,670 | 2,204 |
| Average earning assets | $267,439,000 | 2,226 |
| Average equity | $27,464,330 | 2,444 |
| Average total loans | $228,698,670 | 1,837 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9262% | 826 |
| Cost of funding earning assets | 0.5056% | 2,842 |
| Net interest margin | 4.4206% | 770 |
| Noninterest income to average assets | 0.3697% | 4,430 |
| Noninterest expense to average assets | 2.5961% | 4,283 |
| Loan and lease loss provision to assets | 0.1548% | 1,563 |
| Net operating income to assets | 1.6559% | 614 |
| Return on assets (ROA) | 1.6559% | 643 |
| Pretax return on assets | 1.6559% | 1,063 |
| Return on Equity (ROE) | 17.1873% | 515 |
| Retained earnings to average equity (ytd only) | 16.4633% | 246 |
| Net charge-offs to loans | 0.0159% | 3,274 |
| Credit loss provision to net charge-offs | 1,233.3333% | 262 |
| Earnings coverage of net charge-offs (x) | 144.2222% | 340 |
| Efficiency ratio | 58.9110% | 5,553 |
| Assets per employee ($millions) | 5.8882% | 1,380 |
| Cash dividends to net income (ytd only)* | 4.2123% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0311% | 5,401 |
| Loan loss allowance to noncurrent loans | 173.4843% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.6634% | 4,134 |
| Noncurrent loans to loans | 0.5943% | 4,378 |
| Net loans and leases to total assets | 77.4322% | 828 |
| Net loans and leases to deposits | 89.5992% | 1,198 |
| Net loans and leases to core deposits | 111.2657% | 536 |
| Total domestic deposits to total assets | 86.4207% | 3,151 |
| Equity capital to assets | 9.5798% | 4,385 |
| Core capital (leverage) ratio | 9.6282% | 4,097 |
| Tier 1 risk-based capital ratio | 11.6283% | 5,842 |
| Total risk-based capital ratio | 12.6120% | 5,938 |
| Memoranda: | ||
| Average total assets | $286,740,500 | 2,256 |
| Average earning assets | $261,865,500 | 2,272 |
| Average equity | $27,625,000 | 2,430 |
| Average total loans | $226,620,000 | 1,852 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9952% | 926 |
| Cost of funding earning assets | 0.5349% | 3,249 |
| Net interest margin | 4.4604% | 801 |
| Noninterest income to average assets | 0.3989% | 4,449 |
| Noninterest expense to average assets | 2.6068% | 4,438 |
| Loan and lease loss provision to assets | 0.0837% | 3,446 |
| Net operating income to assets | 1.7943% | 488 |
| Return on assets (ROA) | 1.7943% | 503 |
| Pretax return on assets | 1.7943% | 768 |
| Return on Equity (ROE) | 19.0938% | 329 |
| Retained earnings to average equity (ytd only) | 10.4276% | 495 |
| Net charge-offs to loans | 0.0437% | 4,605 |
| Credit loss provision to net charge-offs | 253.3333% | 895 |
| Earnings coverage of net charge-offs (x) | 56.8556% | 719 |
| Efficiency ratio | 58.1260% | 5,722 |
| Assets per employee ($millions) | 5.8140% | 1,394 |
| Cash dividends to net income (ytd only)* | 45.3876% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0202% | 5,464 |
| Loan loss allowance to noncurrent loans | 146.8044% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.7862% | 3,920 |
| Noncurrent loans to loans | 0.6949% | 4,240 |
| Net loans and leases to total assets | 79.0562% | 710 |
| Net loans and leases to deposits | 90.9721% | 1,157 |
| Net loans and leases to core deposits | 108.8427% | 657 |
| Total domestic deposits to total assets | 86.9015% | 2,779 |
| Equity capital to assets | 9.6915% | 4,174 |
| Core capital (leverage) ratio | 9.6984% | 3,986 |
| Tier 1 risk-based capital ratio | 11.6182% | 5,845 |
| Total risk-based capital ratio | 12.5990% | 5,927 |
| Memoranda: | ||
| Average total assets | $272,475,200 | 2,328 |
| Average earning assets | $249,597,400 | 2,330 |
| Average equity | $25,605,200 | 2,575 |
| Average total loans | $205,789,400 | 1,956 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9722% | 995 |
| Cost of funding earning assets | 0.5452% | 3,317 |
| Net interest margin | 4.4270% | 844 |
| Noninterest income to average assets | 0.3835% | 4,647 |
| Noninterest expense to average assets | 2.5177% | 4,664 |
| Loan and lease loss provision to assets | 0.0758% | 3,538 |
| Net operating income to assets | 1.8476% | 485 |
| Return on assets (ROA) | 1.8476% | 497 |
| Pretax return on assets | 1.8476% | 810 |
| Return on Equity (ROE) | 19.8212% | 311 |
| Retained earnings to average equity (ytd only) | 8.1598% | 1,352 |
| Net charge-offs to loans | 0.0509% | 4,175 |
| Credit loss provision to net charge-offs | 200.0000% | 1,204 |
| Earnings coverage of net charge-offs (x) | 50.7423% | 859 |
| Efficiency ratio | 56.6899% | 5,835 |
| Assets per employee ($millions) | 5.6503% | 1,501 |
| Cash dividends to net income (ytd only)* | 58.8331% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0400% | 5,557 |
| Loan loss allowance to noncurrent loans | 133.7969% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.8477% | 3,997 |
| Noncurrent loans to loans | 0.7773% | 4,289 |
| Net loans and leases to total assets | 77.6433% | 792 |
| Net loans and leases to deposits | 88.7195% | 1,292 |
| Net loans and leases to core deposits | 108.0207% | 666 |
| Total domestic deposits to total assets | 87.5155% | 2,405 |
| Equity capital to assets | 9.5488% | 4,488 |
| Core capital (leverage) ratio | 9.5540% | 4,328 |
| Tier 1 risk-based capital ratio | 11.6456% | 5,984 |
| Total risk-based capital ratio | 12.6442% | 6,074 |
| Memoranda: | ||
| Average total assets | $270,826,500 | 2,352 |
| Average earning assets | $248,227,500 | 2,353 |
| Average equity | $25,245,000 | 2,634 |
| Average total loans | $201,512,750 | 1,998 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9010% | 1,091 |
| Cost of funding earning assets | 0.5589% | 3,329 |
| Net interest margin | 4.3420% | 951 |
| Noninterest income to average assets | 0.3679% | 4,767 |
| Noninterest expense to average assets | 2.4869% | 4,782 |
| Loan and lease loss provision to assets | 0.0532% | 3,925 |
| Net operating income to assets | 1.8168% | 501 |
| Return on assets (ROA) | 1.8168% | 538 |
| Pretax return on assets | 1.8168% | 899 |
| Return on Equity (ROE) | 19.6505% | 334 |
| Retained earnings to average equity (ytd only) | 2.0937% | 4,938 |
| Net charge-offs to loans | 0.0475% | 4,014 |
| Credit loss provision to net charge-offs | 153.1915% | 1,507 |
| Earnings coverage of net charge-offs (x) | 53.8511% | 759 |
| Efficiency ratio | 57.0799% | 5,844 |
| Assets per employee ($millions) | 5.5935% | 1,502 |
| Cash dividends to net income (ytd only)* | 89.3453% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0833% | 5,509 |
| Loan loss allowance to noncurrent loans | 142.6403% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.8898% | 4,016 |
| Noncurrent loans to loans | 0.7595% | 4,403 |
| Net loans and leases to total assets | 73.4923% | 1,324 |
| Net loans and leases to deposits | 82.5263% | 1,988 |
| Net loans and leases to core deposits | 99.9251% | 1,083 |
| Total domestic deposits to total assets | 89.0531% | 1,601 |
| Equity capital to assets | 9.1840% | 5,013 |
| Core capital (leverage) ratio | 9.1386% | 4,773 |
| Tier 1 risk-based capital ratio | 11.7531% | 5,953 |
| Total risk-based capital ratio | 12.7886% | 6,052 |
| Memoranda: | ||
| Average total assets | $270,696,670 | 2,367 |
| Average earning assets | $248,684,670 | 2,360 |
| Average equity | $25,027,330 | 2,662 |
| Average total loans | $197,752,330 | 2,027 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7920% | 1,305 |
| Cost of funding earning assets | 0.5754% | 3,329 |
| Net interest margin | 4.2166% | 1,149 |
| Noninterest income to average assets | 0.3797% | 4,626 |
| Noninterest expense to average assets | 2.6961% | 4,076 |
| Loan and lease loss provision to assets | 0.0530% | 3,740 |
| Net operating income to assets | 1.5026% | 850 |
| Return on assets (ROA) | 1.5026% | 928 |
| Pretax return on assets | 1.5026% | 1,544 |
| Return on Equity (ROE) | 16.1986% | 585 |
| Retained earnings to average equity (ytd only) | 16.0241% | 274 |
| Net charge-offs to loans | 0.1097% | 2,775 |
| Credit loss provision to net charge-offs | 66.6667% | 2,337 |
| Earnings coverage of net charge-offs (x) | 19.5741% | 1,216 |
| Efficiency ratio | 63.4129% | 5,092 |
| Assets per employee ($millions) | 5.4556% | 1,703 |
| Cash dividends to net income (ytd only)* | 1.0774% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0733% | 5,700 |
| Loan loss allowance to noncurrent loans | 120.0680% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.9711% | 3,988 |
| Noncurrent loans to loans | 0.8939% | 4,348 |
| Net loans and leases to total assets | 71.5626% | 1,422 |
| Net loans and leases to deposits | 81.1654% | 1,937 |
| Net loans and leases to core deposits | 98.5889% | 1,039 |
| Total domestic deposits to total assets | 88.1689% | 2,216 |
| Equity capital to assets | 9.4251% | 4,966 |
| Core capital (leverage) ratio | 9.2624% | 4,460 |
| Tier 1 risk-based capital ratio | 12.1819% | 5,802 |
| Total risk-based capital ratio | 13.2027% | 5,909 |
| Memoranda: | ||
| Average total assets | $271,801,000 | 2,375 |
| Average earning assets | $249,583,000 | 2,379 |
| Average equity | $25,212,000 | 2,685 |
| Average total loans | $196,889,000 | 2,053 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9625% | 1,657 |
| Cost of funding earning assets | 0.6450% | 3,958 |
| Net interest margin | 4.3174% | 1,364 |
| Noninterest income to average assets | 0.3981% | 4,624 |
| Noninterest expense to average assets | 2.6718% | 4,504 |
| Loan and lease loss provision to assets | 0.0727% | 4,824 |
| Net operating income to assets | 1.6486% | 690 |
| Return on assets (ROA) | 1.6690% | 736 |
| Pretax return on assets | 1.6690% | 1,215 |
| Return on Equity (ROE) | 19.2615% | 338 |
| Retained earnings to average equity (ytd only) | 11.0341% | 438 |
| Net charge-offs to loans | 0.0712% | 4,966 |
| Credit loss provision to net charge-offs | 146.2687% | 1,860 |
| Earnings coverage of net charge-offs (x) | 34.6493% | 903 |
| Efficiency ratio | 60.8186% | 5,411 |
| Assets per employee ($millions) | 5.4164% | 1,766 |
| Cash dividends to net income (ytd only)* | 42.7143% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0873% | 5,604 |
| Loan loss allowance to noncurrent loans | 113.4360% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.9324% | 4,172 |
| Noncurrent loans to loans | 0.9585% | 4,282 |
| Net loans and leases to total assets | 71.7502% | 1,524 |
| Net loans and leases to deposits | 81.7252% | 2,037 |
| Net loans and leases to core deposits | 98.8518% | 1,086 |
| Total domestic deposits to total assets | 87.7945% | 2,351 |
| Equity capital to assets | 9.1256% | 5,368 |
| Core capital (leverage) ratio | 8.6865% | 5,349 |
| Tier 1 risk-based capital ratio | 11.7748% | 5,919 |
| Total risk-based capital ratio | 12.8112% | 6,018 |
| Memoranda: | ||
| Average total assets | $269,748,000 | 2,344 |
| Average earning assets | $249,593,400 | 2,332 |
| Average equity | $23,373,000 | 2,814 |
| Average total loans | $188,142,600 | 2,111 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9526% | 1,822 |
| Cost of funding earning assets | 0.6569% | 4,135 |
| Net interest margin | 4.2957% | 1,477 |
| Noninterest income to average assets | 0.3879% | 4,730 |
| Noninterest expense to average assets | 2.6366% | 4,615 |
| Loan and lease loss provision to assets | 0.0792% | 4,645 |
| Net operating income to assets | 1.6550% | 755 |
| Return on assets (ROA) | 1.6822% | 794 |
| Pretax return on assets | 1.6822% | 1,318 |
| Return on Equity (ROE) | 19.6774% | 346 |
| Retained earnings to average equity (ytd only) | 8.6117% | 1,370 |
| Net charge-offs to loans | 0.0781% | 4,618 |
| Credit loss provision to net charge-offs | 146.7890% | 1,940 |
| Earnings coverage of net charge-offs (x) | 32.1559% | 1,043 |
| Efficiency ratio | 60.3237% | 5,444 |
| Assets per employee ($millions) | 5.4927% | 1,642 |
| Cash dividends to net income (ytd only)* | 56.2353% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1065% | 5,695 |
| Loan loss allowance to noncurrent loans | 136.3053% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.8057% | 4,690 |
| Noncurrent loans to loans | 0.8118% | 4,789 |
| Net loans and leases to total assets | 67.8005% | 2,325 |
| Net loans and leases to deposits | 77.1693% | 2,779 |
| Net loans and leases to core deposits | 93.8180% | 1,600 |
| Total domestic deposits to total assets | 87.8595% | 2,123 |
| Equity capital to assets | 8.4732% | 6,289 |
| Core capital (leverage) ratio | 8.4323% | 5,853 |
| Tier 1 risk-based capital ratio | 11.4423% | 6,256 |
| Total risk-based capital ratio | 12.4915% | 6,352 |
| Memoranda: | ||
| Average total assets | $269,480,000 | 2,371 |
| Average earning assets | $249,855,000 | 2,346 |
| Average equity | $23,037,750 | 2,874 |
| Average total loans | $186,065,750 | 2,149 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0053% | 1,775 |
| Cost of funding earning assets | 0.6783% | 4,194 |
| Net interest margin | 4.3270% | 1,401 |
| Noninterest income to average assets | 0.3948% | 4,690 |
| Noninterest expense to average assets | 2.6255% | 4,693 |
| Loan and lease loss provision to assets | 0.0933% | 4,393 |
| Net operating income to assets | 1.6967% | 676 |
| Return on assets (ROA) | 1.6967% | 762 |
| Pretax return on assets | 1.6967% | 1,264 |
| Return on Equity (ROE) | 19.7851% | 368 |
| Retained earnings to average equity (ytd only) | 3.1309% | 4,545 |
| Net charge-offs to loans | 0.0891% | 4,259 |
| Credit loss provision to net charge-offs | 151.2195% | 1,828 |
| Earnings coverage of net charge-offs (x) | 29.0244% | 1,096 |
| Efficiency ratio | 59.4618% | 5,668 |
| Assets per employee ($millions) | 5.3201% | 1,803 |
| Cash dividends to net income (ytd only)* | 84.1755% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 5,637 |
| Loan loss allowance to noncurrent loans | 93.7943% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 0.8547% | 4,673 |
| Noncurrent loans to loans | 1.2073% | 4,138 |
| Net loans and leases to total assets | 68.0912% | 2,279 |
| Net loans and leases to deposits | 77.7535% | 2,712 |
| Net loans and leases to core deposits | 94.0207% | 1,601 |
| Total domestic deposits to total assets | 87.5731% | 2,417 |
| Equity capital to assets | 8.3469% | 6,337 |
| Core capital (leverage) ratio | 8.3060% | 5,899 |
| Tier 1 risk-based capital ratio | 11.2016% | 6,401 |
| Total risk-based capital ratio | 12.2768% | 6,461 |
| Memoranda: | ||
| Average total assets | $265,930,330 | 2,406 |
| Average earning assets | $247,098,000 | 2,379 |
| Average equity | $22,805,000 | 2,878 |
| Average total loans | $184,069,670 | 2,172 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9667% | 2,012 |
| Cost of funding earning assets | 0.6919% | 4,350 |
| Net interest margin | 4.2748% | 1,545 |
| Noninterest income to average assets | 0.3708% | 4,900 |
| Noninterest expense to average assets | 2.5635% | 4,946 |
| Loan and lease loss provision to assets | 0.0638% | 4,626 |
| Net operating income to assets | 1.7429% | 668 |
| Return on assets (ROA) | 1.7429% | 744 |
| Pretax return on assets | 1.7429% | 1,215 |
| Return on Equity (ROE) | 20.0489% | 385 |
| Retained earnings to average equity (ytd only) | 19.8392% | 195 |
| Net charge-offs to loans | 0.1949% | 2,947 |
| Credit loss provision to net charge-offs | 47.1910% | 3,326 |
| Earnings coverage of net charge-offs (x) | 13.3596% | 1,544 |
| Efficiency ratio | 58.6579% | 5,826 |
| Assets per employee ($millions) | 5.2234% | 1,968 |
| Cash dividends to net income (ytd only)* | 1.0462% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0992% | 5,911 |
| Loan loss allowance to noncurrent loans | 83.4843% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 0.9272% | 4,668 |
| Noncurrent loans to loans | 1.3166% | 4,139 |
| Net loans and leases to total assets | 68.4650% | 2,028 |
| Net loans and leases to deposits | 78.6062% | 2,396 |
| Net loans and leases to core deposits | 99.8336% | 999 |
| Total domestic deposits to total assets | 87.0988% | 2,904 |
| Equity capital to assets | 8.8020% | 5,748 |
| Core capital (leverage) ratio | 8.7125% | 5,273 |
| Tier 1 risk-based capital ratio | 12.2108% | 5,815 |
| Total risk-based capital ratio | 13.2953% | 5,915 |
| Memoranda: | ||
| Average total assets | $263,234,000 | 2,446 |
| Average earning assets | $246,281,000 | 2,399 |
| Average equity | $22,884,000 | 2,864 |
| Average total loans | $182,673,000 | 2,200 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2032% | 2,045 |
| Cost of funding earning assets | 0.9173% | 3,981 |
| Net interest margin | 4.2859% | 1,746 |
| Noninterest income to average assets | 0.3506% | 4,997 |
| Noninterest expense to average assets | 2.6999% | 4,749 |
| Loan and lease loss provision to assets | 0.0954% | 5,402 |
| Net operating income to assets | 1.5634% | 726 |
| Return on assets (ROA) | 1.5638% | 780 |
| Pretax return on assets | 1.5638% | 1,296 |
| Return on Equity (ROE) | 18.8583% | 323 |
| Retained earnings to average equity (ytd only) | 11.0111% | 402 |
| Net charge-offs to loans | 0.0795% | 5,529 |
| Credit loss provision to net charge-offs | 171.4286% | 1,559 |
| Earnings coverage of net charge-offs (x) | 29.8071% | 850 |
| Efficiency ratio | 61.9425% | 5,472 |
| Assets per employee ($millions) | 5.0995% | 2,067 |
| Cash dividends to net income (ytd only)* | 41.6116% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1463% | 5,641 |
| Loan loss allowance to noncurrent loans | 117.2414% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.7179% | 5,205 |
| Noncurrent loans to loans | 0.9777% | 4,752 |
| Net loans and leases to total assets | 68.7721% | 2,255 |
| Net loans and leases to deposits | 78.8040% | 2,711 |
| Net loans and leases to core deposits | 113.4237% | 523 |
| Total domestic deposits to total assets | 87.2698% | 2,597 |
| Equity capital to assets | 8.5821% | 6,037 |
| Core capital (leverage) ratio | 8.3316% | 5,813 |
| Tier 1 risk-based capital ratio | 11.5455% | 6,136 |
| Total risk-based capital ratio | 12.6496% | 6,215 |
| Memoranda: | ||
| Average total assets | $251,568,800 | 2,505 |
| Average earning assets | $235,261,000 | 2,447 |
| Average equity | $20,860,800 | 3,023 |
| Average total loans | $176,172,400 | 2,306 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2389% | 2,064 |
| Cost of funding earning assets | 0.9605% | 3,953 |
| Net interest margin | 4.2784% | 1,796 |
| Noninterest income to average assets | 0.3645% | 4,952 |
| Noninterest expense to average assets | 2.6651% | 4,857 |
| Loan and lease loss provision to assets | 0.0962% | 5,256 |
| Net operating income to assets | 1.6030% | 772 |
| Return on assets (ROA) | 1.6035% | 838 |
| Pretax return on assets | 1.6035% | 1,376 |
| Return on Equity (ROE) | 19.5155% | 342 |
| Retained earnings to average equity (ytd only) | 9.0877% | 1,116 |
| Net charge-offs to loans | 0.0495% | 5,490 |
| Credit loss provision to net charge-offs | 276.9231% | 1,034 |
| Earnings coverage of net charge-offs (x) | 48.9102% | 661 |
| Efficiency ratio | 61.0655% | 5,551 |
| Assets per employee ($millions) | 5.0372% | 2,142 |
| Cash dividends to net income (ytd only)* | 53.4333% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1909% | 5,508 |
| Loan loss allowance to noncurrent loans | 97.3439% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.8353% | 5,092 |
| Noncurrent loans to loans | 1.2234% | 4,501 |
| Net loans and leases to total assets | 67.4697% | 2,577 |
| Net loans and leases to deposits | 77.7693% | 3,032 |
| Net loans and leases to core deposits | 112.7849% | 583 |
| Total domestic deposits to total assets | 86.7563% | 2,791 |
| Equity capital to assets | 8.3422% | 6,448 |
| Core capital (leverage) ratio | 8.1417% | 6,224 |
| Tier 1 risk-based capital ratio | 11.2112% | 6,423 |
| Total risk-based capital ratio | 12.3378% | 6,472 |
| Memoranda: | ||
| Average total assets | $249,442,250 | 2,538 |
| Average earning assets | $233,197,750 | 2,477 |
| Average equity | $20,496,000 | 3,076 |
| Average total loans | $174,982,250 | 2,324 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2299% | 2,148 |
| Cost of funding earning assets | 0.9920% | 4,000 |
| Net interest margin | 4.2379% | 1,886 |
| Noninterest income to average assets | 0.3482% | 5,099 |
| Noninterest expense to average assets | 2.6620% | 4,958 |
| Loan and lease loss provision to assets | 0.0972% | 5,110 |
| Net operating income to assets | 1.5541% | 797 |
| Return on assets (ROA) | 1.5541% | 851 |
| Pretax return on assets | 1.5541% | 1,369 |
| Return on Equity (ROE) | 19.0148% | 384 |
| Retained earnings to average equity (ytd only) | 3.4680% | 4,042 |
| Net charge-offs to loans | 0.0618% | 5,032 |
| Credit loss provision to net charge-offs | 222.2222% | 1,346 |
| Earnings coverage of net charge-offs (x) | 37.7593% | 774 |
| Efficiency ratio | 61.7161% | 5,627 |
| Assets per employee ($millions) | 4.7963% | 2,410 |
| Cash dividends to net income (ytd only)* | 81.7613% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1586% | 5,728 |
| Loan loss allowance to noncurrent loans | 119.7886% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.6940% | 5,517 |
| Noncurrent loans to loans | 0.9672% | 5,051 |
| Net loans and leases to total assets | 69.7802% | 2,266 |
| Net loans and leases to deposits | 80.6856% | 2,666 |
| Net loans and leases to core deposits | 107.9105% | 820 |
| Total domestic deposits to total assets | 86.4840% | 3,047 |
| Equity capital to assets | 8.1192% | 6,587 |
| Core capital (leverage) ratio | 7.8820% | 6,429 |
| Tier 1 risk-based capital ratio | 10.7897% | 6,671 |
| Total risk-based capital ratio | 11.9047% | 6,719 |
| Memoranda: | ||
| Average total assets | $246,956,670 | 2,582 |
| Average earning assets | $231,056,330 | 2,515 |
| Average equity | $20,184,330 | 3,096 |
| Average total loans | $174,837,000 | 2,355 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1310% | 2,509 |
| Cost of funding earning assets | 1.0001% | 4,205 |
| Net interest margin | 4.1309% | 2,152 |
| Noninterest income to average assets | 0.3370% | 5,212 |
| Noninterest expense to average assets | 2.6728% | 4,952 |
| Loan and lease loss provision to assets | 0.0977% | 4,792 |
| Net operating income to assets | 1.4325% | 1,013 |
| Return on assets (ROA) | 1.4325% | 1,048 |
| Pretax return on assets | 1.4325% | 1,642 |
| Return on Equity (ROE) | 17.4677% | 524 |
| Retained earnings to average equity (ytd only) | 16.7928% | 295 |
| Net charge-offs to loans | 0.0459% | 4,480 |
| Credit loss provision to net charge-offs | 300.0000% | 1,062 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 602 |
| Efficiency ratio | 63.5941% | 5,430 |
| Assets per employee ($millions) | 4.8837% | 2,312 |
| Cash dividends to net income (ytd only)* | 3.8636% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 5,885 |
| Loan loss allowance to noncurrent loans | 125.1709% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.7026% | 5,530 |
| Noncurrent loans to loans | 0.9105% | 5,219 |
| Net loans and leases to total assets | 70.1406% | 2,099 |
| Net loans and leases to deposits | 80.6717% | 2,577 |
| Net loans and leases to core deposits | 103.2287% | 1,116 |
| Total domestic deposits to total assets | 86.9457% | 2,973 |
| Equity capital to assets | 8.2801% | 6,188 |
| Core capital (leverage) ratio | 8.2575% | 5,889 |
| Tier 1 risk-based capital ratio | 11.0396% | 6,483 |
| Total risk-based capital ratio | 12.1384% | 6,560 |
| Memoranda: | ||
| Average total assets | $245,730,500 | 2,604 |
| Average earning assets | $229,974,000 | 2,546 |
| Average equity | $20,151,500 | 3,086 |
| Average total loans | $174,216,500 | 2,369 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4769% | 2,371 |
| Cost of funding earning assets | 1.2670% | 4,100 |
| Net interest margin | 4.2099% | 2,148 |
| Noninterest income to average assets | 0.3389% | 5,362 |
| Noninterest expense to average assets | 2.6306% | 5,294 |
| Loan and lease loss provision to assets | 0.1863% | 5,367 |
| Net operating income to assets | 1.4459% | 862 |
| Return on assets (ROA) | 1.5768% | 711 |
| Pretax return on assets | 1.5768% | 1,183 |
| Return on Equity (ROE) | 19.4656% | 287 |
| Retained earnings to average equity (ytd only) | 13.0624% | 206 |
| Net charge-offs to loans | 0.0596% | 6,200 |
| Credit loss provision to net charge-offs | 439.7959% | 528 |
| Earnings coverage of net charge-offs (x) | 38.5306% | 603 |
| Efficiency ratio | 61.7116% | 5,777 |
| Assets per employee ($millions) | 5.0499% | 2,082 |
| Cash dividends to net income (ytd only)* | 32.8947% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 5,738 |
| Loan loss allowance to noncurrent loans | 266.0377% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 6,432 |
| Noncurrent loans to loans | 0.4321% | 6,180 |
| Net loans and leases to total assets | 70.0298% | 2,530 |
| Net loans and leases to deposits | 80.4916% | 3,075 |
| Net loans and leases to core deposits | 105.4231% | 1,228 |
| Total domestic deposits to total assets | 87.0026% | 2,819 |
| Equity capital to assets | 8.1190% | 6,360 |
| Core capital (leverage) ratio | 7.7779% | 6,462 |
| Tier 1 risk-based capital ratio | 10.2802% | 6,829 |
| Total risk-based capital ratio | 11.3268% | 6,930 |
| Memoranda: | ||
| Average total assets | $231,351,200 | 2,737 |
| Average earning assets | $215,633,600 | 2,679 |
| Average equity | $18,740,800 | 3,308 |
| Average total loans | $164,419,400 | 2,559 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4656% | 2,580 |
| Cost of funding earning assets | 1.2992% | 4,223 |
| Net interest margin | 4.1664% | 2,345 |
| Noninterest income to average assets | 0.3616% | 5,268 |
| Noninterest expense to average assets | 2.5728% | 5,417 |
| Loan and lease loss provision to assets | 0.2094% | 4,973 |
| Net operating income to assets | 1.4588% | 1,004 |
| Return on assets (ROA) | 1.5777% | 849 |
| Pretax return on assets | 1.5777% | 1,398 |
| Return on Equity (ROE) | 19.4887% | 343 |
| Retained earnings to average equity (ytd only) | 10.8431% | 627 |
| Net charge-offs to loans | 0.0754% | 5,764 |
| Credit loss provision to net charge-offs | 390.2174% | 783 |
| Earnings coverage of net charge-offs (x) | 31.0879% | 858 |
| Efficiency ratio | 60.6657% | 5,845 |
| Assets per employee ($millions) | 5.2106% | 1,924 |
| Cash dividends to net income (ytd only)* | 44.3622% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1221% | 5,848 |
| Loan loss allowance to noncurrent loans | 176.5957% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.5426% | 6,067 |
| Noncurrent loans to loans | 0.6354% | 5,937 |
| Net loans and leases to total assets | 67.2553% | 3,396 |
| Net loans and leases to deposits | 77.4210% | 3,936 |
| Net loans and leases to core deposits | 98.6934% | 1,969 |
| Total domestic deposits to total assets | 86.8697% | 2,602 |
| Equity capital to assets | 7.6775% | 7,016 |
| Core capital (leverage) ratio | 7.5021% | 6,841 |
| Tier 1 risk-based capital ratio | 10.1093% | 7,007 |
| Total risk-based capital ratio | 11.1535% | 7,105 |
| Memoranda: | ||
| Average total assets | $228,590,500 | 2,810 |
| Average earning assets | $212,840,000 | 2,756 |
| Average equity | $18,506,000 | 3,391 |
| Average total loans | $162,593,750 | 2,620 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5253% | 2,422 |
| Cost of funding earning assets | 1.3182% | 4,424 |
| Net interest margin | 4.2071% | 2,136 |
| Noninterest income to average assets | 0.3776% | 5,105 |
| Noninterest expense to average assets | 2.6177% | 5,252 |
| Loan and lease loss provision to assets | 0.1951% | 4,925 |
| Net operating income to assets | 1.4768% | 951 |
| Return on assets (ROA) | 1.4768% | 1,012 |
| Pretax return on assets | 1.4768% | 1,622 |
| Return on Equity (ROE) | 17.8943% | 470 |
| Retained earnings to average equity (ytd only) | 17.8943% | 131 |
| Net charge-offs to loans | 0.0900% | 5,239 |
| Credit loss provision to net charge-offs | 300.0000% | 1,219 |
| Earnings coverage of net charge-offs (x) | 25.7083% | 1,023 |
| Efficiency ratio | 61.0234% | 5,850 |
| Assets per employee ($millions) | 4.9106% | 2,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0698% | 6,080 |
| Loan loss allowance to noncurrent loans | 141.7792% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.6512% | 5,863 |
| Noncurrent loans to loans | 0.7546% | 5,760 |
| Net loans and leases to total assets | 70.0294% | 2,890 |
| Net loans and leases to deposits | 80.5523% | 3,511 |
| Net loans and leases to core deposits | 103.0477% | 1,729 |
| Total domestic deposits to total assets | 86.9365% | 2,558 |
| Equity capital to assets | 7.7854% | 6,943 |
| Core capital (leverage) ratio | 7.9156% | 6,368 |
| Tier 1 risk-based capital ratio | 9.8807% | 7,092 |
| Total risk-based capital ratio | 10.8916% | 7,203 |
| Memoranda: | ||
| Average total assets | $221,418,000 | 2,919 |
| Average earning assets | $205,888,330 | 2,857 |
| Average equity | $18,274,000 | 3,420 |
| Average total loans | $160,085,000 | 2,696 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5392% | 2,411 |
| Cost of funding earning assets | 1.3677% | 4,374 |
| Net interest margin | 4.1716% | 2,148 |
| Noninterest income to average assets | 0.4126% | 4,788 |
| Noninterest expense to average assets | 2.6079% | 5,326 |
| Loan and lease loss provision to assets | 0.2184% | 4,314 |
| Net operating income to assets | 1.4468% | 988 |
| Return on assets (ROA) | 1.4468% | 1,061 |
| Pretax return on assets | 1.4468% | 1,645 |
| Return on Equity (ROE) | 16.9998% | 609 |
| Retained earnings to average equity (ytd only) | 16.9998% | 287 |
| Net charge-offs to loans | 0.0638% | 4,772 |
| Credit loss provision to net charge-offs | 468.0000% | 899 |
| Earnings coverage of net charge-offs (x) | 35.6800% | 769 |
| Efficiency ratio | 61.0310% | 5,997 |
| Assets per employee ($millions) | 4.4317% | 3,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0878% | 6,060 |
| Loan loss allowance to noncurrent loans | 177.7436% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.7498% | 5,652 |
| Noncurrent loans to loans | 0.6120% | 6,085 |
| Net loans and leases to total assets | 74.0750% | 1,958 |
| Net loans and leases to deposits | 85.9969% | 2,587 |
| Net loans and leases to core deposits | 107.5063% | 1,461 |
| Total domestic deposits to total assets | 86.1368% | 3,076 |
| Equity capital to assets | 8.7570% | 5,632 |
| Core capital (leverage) ratio | 8.3226% | 5,700 |
| Tier 1 risk-based capital ratio | 10.6720% | 6,471 |
| Total risk-based capital ratio | 11.7098% | 6,664 |
| Memoranda: | ||
| Average total assets | $214,271,500 | 3,054 |
| Average earning assets | $198,295,000 | 3,021 |
| Average equity | $18,235,500 | 3,447 |
| Average total loans | $156,701,500 | 2,801 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8086% | 2,622 |
| Cost of funding earning assets | 1.7171% | 4,419 |
| Net interest margin | 4.0915% | 2,495 |
| Noninterest income to average assets | 0.4931% | 4,469 |
| Noninterest expense to average assets | 2.8002% | 4,974 |
| Loan and lease loss provision to assets | 0.1906% | 5,817 |
| Net operating income to assets | 1.2902% | 1,053 |
| Return on assets (ROA) | 1.3048% | 1,067 |
| Pretax return on assets | 1.3048% | 1,678 |
| Return on Equity (ROE) | 15.4496% | 610 |
| Retained earnings to average equity (ytd only) | 10.2261% | 350 |
| Net charge-offs to loans | 0.0658% | 6,454 |
| Credit loss provision to net charge-offs | 402.1277% | 783 |
| Earnings coverage of net charge-offs (x) | 31.2447% | 738 |
| Efficiency ratio | 65.4104% | 5,514 |
| Assets per employee ($millions) | 4.4963% | 2,930 |
| Cash dividends to net income (ytd only)* | 33.8099% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0649% | 6,066 |
| Loan loss allowance to noncurrent loans | 102.8840% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.8502% | 5,406 |
| Noncurrent loans to loans | 1.0351% | 5,246 |
| Net loans and leases to total assets | 70.6397% | 3,095 |
| Net loans and leases to deposits | 81.0186% | 3,795 |
| Net loans and leases to core deposits | 123.4082% | 1,682 |
| Total domestic deposits to total assets | 87.1894% | 2,393 |
| Equity capital to assets | 8.2675% | 6,248 |
| Core capital (leverage) ratio | 8.1052% | 5,982 |
| Tier 1 risk-based capital ratio | 10.4475% | 6,451 |
| Total risk-based capital ratio | 11.4514% | 6,654 |
| Memoranda: | ||
| Average total assets | $198,342,400 | 3,201 |
| Average earning assets | $183,624,400 | 3,172 |
| Average equity | $16,751,200 | 3,724 |
| Average total loans | $142,864,000 | 3,039 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8268% | 2,770 |
| Cost of funding earning assets | 1.7863% | 4,441 |
| Net interest margin | 4.0405% | 2,633 |
| Noninterest income to average assets | 0.5423% | 4,139 |
| Noninterest expense to average assets | 2.8450% | 4,697 |
| Loan and lease loss provision to assets | 0.1993% | 5,397 |
| Net operating income to assets | 1.2434% | 1,361 |
| Return on assets (ROA) | 1.2634% | 1,377 |
| Pretax return on assets | 1.2634% | 2,071 |
| Return on Equity (ROE) | 14.8718% | 787 |
| Retained earnings to average equity (ytd only) | 7.7919% | 1,204 |
| Net charge-offs to loans | 0.0219% | 6,590 |
| Credit loss provision to net charge-offs | 1,260.8696% | 300 |
| Earnings coverage of net charge-offs (x) | 91.2488% | 387 |
| Efficiency ratio | 66.3514% | 5,307 |
| Assets per employee ($millions) | 4.6282% | 2,662 |
| Cash dividends to net income (ytd only)* | 47.6061% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 5,720 |
| Loan loss allowance to noncurrent loans | 98.3636% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.7922% | 5,530 |
| Noncurrent loans to loans | 1.1190% | 5,075 |
| Net loans and leases to total assets | 70.0216% | 3,511 |
| Net loans and leases to deposits | 80.5713% | 4,287 |
| Net loans and leases to core deposits | 125.2482% | 1,794 |
| Total domestic deposits to total assets | 86.9064% | 2,226 |
| Equity capital to assets | 8.2215% | 6,614 |
| Core capital (leverage) ratio | 8.0412% | 6,293 |
| Tier 1 risk-based capital ratio | 10.5287% | 6,437 |
| Total risk-based capital ratio | 11.5729% | 6,598 |
| Memoranda: | ||
| Average total assets | $193,972,500 | 3,268 |
| Average earning assets | $179,809,000 | 3,237 |
| Average equity | $16,478,250 | 3,817 |
| Average total loans | $140,055,750 | 3,116 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8968% | 2,598 |
| Cost of funding earning assets | 1.8679% | 4,430 |
| Net interest margin | 4.0289% | 2,588 |
| Noninterest income to average assets | 0.6131% | 3,580 |
| Noninterest expense to average assets | 2.9100% | 4,465 |
| Loan and lease loss provision to assets | 0.1987% | 5,065 |
| Net operating income to assets | 1.2251% | 1,416 |
| Return on assets (ROA) | 1.2558% | 1,418 |
| Pretax return on assets | 1.2558% | 2,142 |
| Return on Equity (ROE) | 14.6096% | 885 |
| Retained earnings to average equity (ytd only) | 3.8492% | 3,148 |
| Net charge-offs to loans | 0.0087% | 6,450 |
| Credit loss provision to net charge-offs | 3,133.3333% | 157 |
| Earnings coverage of net charge-offs (x) | 224.5000% | 187 |
| Efficiency ratio | 67.1463% | 5,331 |
| Assets per employee ($millions) | 4.4059% | 2,924 |
| Cash dividends to net income (ytd only)* | 73.6532% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1093% | 5,532 |
| Loan loss allowance to noncurrent loans | 70.8564% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 1.0955% | 4,766 |
| Noncurrent loans to loans | 1.5656% | 4,149 |
| Net loans and leases to total assets | 69.1964% | 3,901 |
| Net loans and leases to deposits | 79.8218% | 4,571 |
| Net loans and leases to core deposits | 124.0948% | 2,017 |
| Total domestic deposits to total assets | 86.6886% | 2,410 |
| Equity capital to assets | 8.1562% | 6,551 |
| Core capital (leverage) ratio | 7.9437% | 6,429 |
| Tier 1 risk-based capital ratio | 10.6216% | 6,262 |
| Total risk-based capital ratio | 11.6595% | 6,408 |
| Memoranda: | ||
| Average total assets | $189,206,670 | 3,345 |
| Average earning assets | $174,737,670 | 3,334 |
| Average equity | $16,263,330 | 3,868 |
| Average total loans | $137,588,670 | 3,192 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9035% | 2,777 |
| Cost of funding earning assets | 1.9631% | 4,317 |
| Net interest margin | 3.9404% | 2,882 |
| Noninterest income to average assets | 0.4137% | 5,105 |
| Noninterest expense to average assets | 2.8677% | 4,268 |
| Loan and lease loss provision to assets | 0.1668% | 4,795 |
| Net operating income to assets | 1.0137% | 2,252 |
| Return on assets (ROA) | 1.0765% | 2,177 |
| Pretax return on assets | 1.0765% | 3,074 |
| Return on Equity (ROE) | 12.1892% | 1,604 |
| Retained earnings to average equity (ytd only) | 12.1892% | 757 |
| Net charge-offs to loans | 0.0029% | 5,691 |
| Credit loss provision to net charge-offs | 7,700.0000% | 90 |
| Earnings coverage of net charge-offs (x) | 545.0000% | 49 |
| Efficiency ratio | 70.8400% | 4,401 |
| Assets per employee ($millions) | 4.3839% | 2,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0292% | 5,947 |
| Loan loss allowance to noncurrent loans | 111.0939% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.6683% | 5,492 |
| Noncurrent loans to loans | 0.9265% | 5,149 |
| Net loans and leases to total assets | 71.3869% | 3,382 |
| Net loans and leases to deposits | 82.8619% | 4,153 |
| Net loans and leases to core deposits | 125.1206% | 1,986 |
| Total domestic deposits to total assets | 86.1518% | 2,634 |
| Equity capital to assets | 8.5929% | 5,921 |
| Core capital (leverage) ratio | 8.4682% | 5,600 |
| Tier 1 risk-based capital ratio | 10.9275% | 5,964 |
| Total risk-based capital ratio | 11.9076% | 6,143 |
| Memoranda: | ||
| Average total assets | $184,677,000 | 3,439 |
| Average earning assets | $170,339,500 | 3,415 |
| Average equity | $16,309,500 | 3,883 |
| Average total loans | $137,017,000 | 3,225 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9265% | 1,324 |
| Cost of funding earning assets | 2.5891% | 3,729 |
| Net interest margin | 4.3374% | 1,863 |
| Noninterest income to average assets | 0.4873% | 4,724 |
| Noninterest expense to average assets | 2.9651% | 4,204 |
| Loan and lease loss provision to assets | 0.2297% | 4,591 |
| Net operating income to assets | 1.2470% | 1,637 |
| Return on assets (ROA) | 1.2482% | 1,576 |
| Pretax return on assets | 1.2482% | 2,487 |
| Return on Equity (ROE) | 14.5207% | 1,005 |
| Retained earnings to average equity (ytd only) | 9.2857% | 560 |
| Net charge-offs to loans | 0.0370% | 6,284 |
| Credit loss provision to net charge-offs | 822.2222% | 534 |
| Earnings coverage of net charge-offs (x) | 52.8667% | 737 |
| Efficiency ratio | 66.7552% | 4,957 |
| Assets per employee ($millions) | 4.4116% | 2,766 |
| Cash dividends to net income (ytd only)* | 36.0517% | 3,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0052% | 5,994 |
| Loan loss allowance to noncurrent loans | 389.6552% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.1972% | 6,778 |
| Noncurrent loans to loans | 0.2580% | 6,607 |
| Net loans and leases to total assets | 75.6799% | 2,711 |
| Net loans and leases to deposits | 88.7585% | 3,675 |
| Net loans and leases to core deposits | 116.6360% | 3,053 |
| Total domestic deposits to total assets | 85.2649% | 2,720 |
| Equity capital to assets | 9.0920% | 5,237 |
| Core capital (leverage) ratio | 8.7592% | 5,100 |
| Tier 1 risk-based capital ratio | 11.5391% | 5,208 |
| Total risk-based capital ratio | 12.5483% | 5,339 |
| Memoranda: | ||
| Average total assets | $161,107,800 | 3,702 |
| Average earning assets | $146,885,000 | 3,710 |
| Average equity | $13,849,200 | 4,375 |
| Average total loans | $121,583,800 | 3,428 |