Home > FirstState Bank > Performance and Condition Ratios
FirstState Bank, 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 | 5.3302% | 1,433 |
| Cost of funding earning assets | 1.3246% | 2,445 |
| Net interest margin | 4.0056% | 1,196 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 2.6842% | 1,777 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.1851% | 1,682 |
| Return on assets (ROA) | 1.1851% | 1,661 |
| Pretax return on assets | 1.4518% | 1,530 |
| Return on Equity (ROE) | 25.2600% | 303 |
| Retained earnings to average equity (ytd only) | 15.4469% | 300 |
| Net charge-offs to loans | 0.1810% | 591 |
| Credit loss provision to net charge-offs | 26.0536% | 2,287 |
| Earnings coverage of net charge-offs (x) | 17.2375% | 1,976 |
| Efficiency ratio | 64.4629% | 2,548 |
| Assets per employee ($millions) | 5.7170% | 3,057 |
| Cash dividends to net income (ytd only)* | 38.8565% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3841% | 1,445 |
| Loan loss allowance to noncurrent loans | 2,331.3953% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 3,499 |
| Noncurrent loans to loans | 0.0594% | 3,296 |
| Net loans and leases to total assets | 45.4300% | 3,839 |
| Net loans and leases to deposits | 48.4055% | 3,984 |
| Net loans and leases to core deposits | 52.7152% | 4,012 |
| Total domestic deposits to total assets | 93.8600% | 115 |
| Equity capital to assets | 5.5958% | 4,321 |
| Core capital (leverage) ratio | 12.0506% | 1,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $304,036,800 | 2,410 |
| Average earning assets | $279,635,200 | 2,416 |
| Average equity | $14,261,800 | 3,320 |
| Average total loans | $144,232,800 | 2,726 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2575% | 1,348 |
| Cost of funding earning assets | 1.2236% | 2,357 |
| Net interest margin | 4.0339% | 1,170 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 2.7154% | 1,615 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.1527% | 1,916 |
| Return on assets (ROA) | 1.1527% | 1,898 |
| Pretax return on assets | 1.4782% | 1,611 |
| Return on Equity (ROE) | 25.8700% | 358 |
| Retained earnings to average equity (ytd only) | 18.9245% | 301 |
| Net charge-offs to loans | 0.2128% | 413 |
| Credit loss provision to net charge-offs | 7.8261% | 2,039 |
| Earnings coverage of net charge-offs (x) | 14.6826% | 1,989 |
| Efficiency ratio | 64.5124% | 2,439 |
| Assets per employee ($millions) | 5.5418% | 3,148 |
| Cash dividends to net income (ytd only)* | 26.8611% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3770% | 1,544 |
| Loan loss allowance to noncurrent loans | 3,894.1176% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 3,664 |
| Noncurrent loans to loans | 0.0354% | 3,512 |
| Net loans and leases to total assets | 46.6700% | 3,800 |
| Net loans and leases to deposits | 48.6856% | 3,983 |
| Net loans and leases to core deposits | 52.7413% | 3,970 |
| Total domestic deposits to total assets | 95.8500% | 86 |
| Equity capital to assets | 3.3763% | 4,466 |
| Core capital (leverage) ratio | 11.9096% | 1,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $301,437,500 | 2,426 |
| Average earning assets | $277,540,250 | 2,432 |
| Average equity | $13,428,500 | 3,382 |
| Average total loans | $144,076,500 | 2,726 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1396% | 1,303 |
| Cost of funding earning assets | 1.1036% | 2,270 |
| Net interest margin | 4.0360% | 1,186 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.7251% | 1,586 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.1435% | 1,992 |
| Return on assets (ROA) | 1.1435% | 1,986 |
| Pretax return on assets | 1.4638% | 1,666 |
| Return on Equity (ROE) | 23.7200% | 447 |
| Retained earnings to average equity (ytd only) | 14.0525% | 669 |
| Net charge-offs to loans | 0.0236% | 1,409 |
| Credit loss provision to net charge-offs | 105.8824% | 1,402 |
| Earnings coverage of net charge-offs (x) | 131.3529% | 803 |
| Efficiency ratio | 64.6957% | 2,410 |
| Assets per employee ($millions) | 5.3864% | 3,248 |
| Cash dividends to net income (ytd only)* | 40.7688% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5378% | 1,070 |
| Loan loss allowance to noncurrent loans | 2,748.7500% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 3,526 |
| Noncurrent loans to loans | 0.0559% | 3,296 |
| Net loans and leases to total assets | 46.6800% | 3,760 |
| Net loans and leases to deposits | 49.5286% | 3,939 |
| Net loans and leases to core deposits | 53.6039% | 3,909 |
| Total domestic deposits to total assets | 94.2400% | 135 |
| Equity capital to assets | 5.0763% | 4,373 |
| Core capital (leverage) ratio | 11.6348% | 1,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $300,316,333 | 2,438 |
| Average earning assets | $276,559,000 | 2,445 |
| Average equity | $14,474,333 | 3,314 |
| Average total loans | $144,027,333 | 2,730 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0196% | 1,195 |
| Cost of funding earning assets | 0.9987% | 2,053 |
| Net interest margin | 4.0209% | 1,227 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 2.7952% | 1,443 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0505% | 2,379 |
| Return on assets (ROA) | 1.0505% | 2,345 |
| Pretax return on assets | 1.3776% | 1,944 |
| Return on Equity (ROE) | 22.4000% | 554 |
| Retained earnings to average equity (ytd only) | 22.3969% | 273 |
| Net charge-offs to loans | -0.0111% | 3,877 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.9866% | 2,090 |
| Assets per employee ($millions) | 5.4091% | 3,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 1,194 |
| Loan loss allowance to noncurrent loans | 2,975.6757% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 3,546 |
| Noncurrent loans to loans | 0.0512% | 3,375 |
| Net loans and leases to total assets | 47.0300% | 3,712 |
| Net loans and leases to deposits | 49.8246% | 3,895 |
| Net loans and leases to core deposits | 53.9277% | 3,833 |
| Total domestic deposits to total assets | 94.4000% | 138 |
| Equity capital to assets | 5.0747% | 4,409 |
| Core capital (leverage) ratio | 11.6902% | 1,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $299,655,500 | 2,474 |
| Average earning assets | $275,163,500 | 2,478 |
| Average equity | $14,055,500 | 3,382 |
| Average total loans | $144,543,000 | 2,758 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3374% | 995 |
| Cost of funding earning assets | 0.6190% | 833 |
| Net interest margin | 3.7184% | 1,337 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.6102% | 1,799 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0038% | 2,554 |
| Return on assets (ROA) | 0.8767% | 2,995 |
| Pretax return on assets | 1.1879% | 2,477 |
| Return on Equity (ROE) | 13.6900% | 1,604 |
| Retained earnings to average equity (ytd only) | 6.6049% | 2,409 |
| Net charge-offs to loans | 0.0093% | 2,031 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 320.0769% | 469 |
| Efficiency ratio | 65.9325% | 2,234 |
| Assets per employee ($millions) | 5.2928% | 3,430 |
| Cash dividends to net income (ytd only)* | 51.7560% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5220% | 1,143 |
| Loan loss allowance to noncurrent loans | 1,928.0702% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 3,419 |
| Noncurrent loans to loans | 0.0789% | 3,193 |
| Net loans and leases to total assets | 47.9800% | 3,669 |
| Net loans and leases to deposits | 50.3826% | 3,882 |
| Net loans and leases to core deposits | 54.1019% | 3,802 |
| Total domestic deposits to total assets | 95.2300% | 126 |
| Equity capital to assets | 4.2979% | 4,488 |
| Core capital (leverage) ratio | 11.5829% | 1,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $308,526,000 | 2,412 |
| Average earning assets | $286,575,600 | 2,406 |
| Average equity | $19,758,000 | 2,973 |
| Average total loans | $139,426,600 | 2,734 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1687% | 946 |
| Cost of funding earning assets | 0.5599% | 548 |
| Net interest margin | 3.6088% | 1,369 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.6884% | 1,496 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8683% | 3,009 |
| Return on assets (ROA) | 0.8683% | 2,980 |
| Pretax return on assets | 1.1935% | 2,392 |
| Return on Equity (ROE) | 12.5800% | 1,841 |
| Retained earnings to average equity (ytd only) | 8.2368% | 1,916 |
| Net charge-offs to loans | -0.0019% | 3,259 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.2537% | 1,855 |
| Assets per employee ($millions) | 5.3492% | 3,376 |
| Cash dividends to net income (ytd only)* | 34.4998% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5993% | 1,063 |
| Loan loss allowance to noncurrent loans | 2,666.2651% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 3,655 |
| Noncurrent loans to loans | 0.0600% | 3,449 |
| Net loans and leases to total assets | 45.4600% | 3,792 |
| Net loans and leases to deposits | 48.3638% | 3,937 |
| Net loans and leases to core deposits | 51.6587% | 3,872 |
| Total domestic deposits to total assets | 93.9900% | 359 |
| Equity capital to assets | 3.6354% | 4,528 |
| Core capital (leverage) ratio | 11.2420% | 1,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $311,557,750 | 2,409 |
| Average earning assets | $290,762,500 | 2,397 |
| Average equity | $21,512,750 | 2,855 |
| Average total loans | $138,179,500 | 2,745 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9808% | 961 |
| Cost of funding earning assets | 0.5465% | 398 |
| Net interest margin | 3.4343% | 1,500 |
| Noninterest income to average assets | 0.5273% | 2,053 |
| Noninterest expense to average assets | 2.5206% | 1,862 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8956% | 2,600 |
| Return on assets (ROA) | 0.8956% | 2,577 |
| Pretax return on assets | 1.2251% | 1,985 |
| Return on Equity (ROE) | 11.2798% | 1,896 |
| Retained earnings to average equity (ytd only) | 5.6918% | 2,438 |
| Net charge-offs to loans | -0.0188% | 3,838 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2927% | 2,343 |
| Assets per employee ($millions) | 5.4625% | 3,267 |
| Cash dividends to net income (ytd only)* | 49.5400% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6196% | 1,105 |
| Loan loss allowance to noncurrent loans | 8,237.0370% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 3,941 |
| Noncurrent loans to loans | 0.0197% | 3,821 |
| Net loans and leases to total assets | 44.1644% | 3,818 |
| Net loans and leases to deposits | 47.7466% | 3,929 |
| Net loans and leases to core deposits | 50.9271% | 3,880 |
| Total domestic deposits to total assets | 92.4975% | 653 |
| Equity capital to assets | 5.3511% | 4,408 |
| Core capital (leverage) ratio | 10.8443% | 1,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $315,559,000 | 2,406 |
| Average earning assets | $295,720,000 | 2,405 |
| Average equity | $25,053,667 | 2,681 |
| Average total loans | $138,113,667 | 2,763 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8458% | 1,006 |
| Cost of funding earning assets | 0.5500% | 373 |
| Net interest margin | 3.2958% | 1,572 |
| Noninterest income to average assets | 0.5893% | 1,738 |
| Noninterest expense to average assets | 2.5107% | 1,860 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8327% | 2,545 |
| Return on assets (ROA) | 0.8327% | 2,541 |
| Pretax return on assets | 1.1761% | 1,892 |
| Return on Equity (ROE) | 9.0761% | 2,291 |
| Retained earnings to average equity (ytd only) | 9.0761% | 1,250 |
| Net charge-offs to loans | -0.0173% | 3,840 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1002% | 2,493 |
| Assets per employee ($millions) | 5.6416% | 3,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5999% | 1,274 |
| Loan loss allowance to noncurrent loans | 3,575.8065% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 3,853 |
| Noncurrent loans to loans | 0.0447% | 3,660 |
| Net loans and leases to total assets | 43.1586% | 3,805 |
| Net loans and leases to deposits | 47.9156% | 3,871 |
| Net loans and leases to core deposits | 51.4785% | 3,771 |
| Total domestic deposits to total assets | 90.0722% | 1,522 |
| Equity capital to assets | 7.8964% | 3,648 |
| Core capital (leverage) ratio | 10.5237% | 1,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $320,389,500 | 2,395 |
| Average earning assets | $301,109,000 | 2,384 |
| Average equity | $29,396,000 | 2,520 |
| Average total loans | $138,509,500 | 2,762 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9542% | 1,475 |
| Cost of funding earning assets | 0.6764% | 359 |
| Net interest margin | 3.2778% | 2,373 |
| Noninterest income to average assets | 0.4450% | 2,835 |
| Noninterest expense to average assets | 2.4853% | 2,226 |
| Loan and lease loss provision to assets | 0.0325% | 2,398 |
| Net operating income to assets | 0.8844% | 3,101 |
| Return on assets (ROA) | 1.0224% | 2,657 |
| Pretax return on assets | 1.2006% | 2,661 |
| Return on Equity (ROE) | 9.5860% | 2,685 |
| Retained earnings to average equity (ytd only) | 5.4078% | 2,613 |
| Net charge-offs to loans | -0.1904% | 4,700 |
| Credit loss provision to net charge-offs | -38.9313% | 3,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8890% | 1,745 |
| Assets per employee ($millions) | 5.6991% | 3,054 |
| Cash dividends to net income (ytd only)* | 43.5866% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5970% | 1,267 |
| Loan loss allowance to noncurrent loans | 4,422.0000% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 3,782 |
| Noncurrent loans to loans | 0.0361% | 3,818 |
| Net loans and leases to total assets | 41.9395% | 3,983 |
| Net loans and leases to deposits | 48.7074% | 3,958 |
| Net loans and leases to core deposits | 52.5198% | 3,855 |
| Total domestic deposits to total assets | 86.1049% | 2,863 |
| Equity capital to assets | 10.4187% | 2,247 |
| Core capital (leverage) ratio | 10.2964% | 2,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $314,172,800 | 2,369 |
| Average earning assets | $298,188,000 | 2,343 |
| Average equity | $33,507,200 | 2,358 |
| Average total loans | $137,622,400 | 2,752 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9853% | 1,572 |
| Cost of funding earning assets | 0.7083% | 368 |
| Net interest margin | 3.2769% | 2,487 |
| Noninterest income to average assets | 0.4344% | 2,909 |
| Noninterest expense to average assets | 2.4611% | 2,236 |
| Loan and lease loss provision to assets | 0.0437% | 2,120 |
| Net operating income to assets | 0.7750% | 3,586 |
| Return on assets (ROA) | 0.9451% | 3,181 |
| Pretax return on assets | 1.2558% | 2,752 |
| Return on Equity (ROE) | 8.8082% | 3,164 |
| Retained earnings to average equity (ytd only) | 6.0157% | 2,814 |
| Net charge-offs to loans | -0.0223% | 4,008 |
| Credit loss provision to net charge-offs | -443.4783% | 3,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4193% | 1,665 |
| Assets per employee ($millions) | 5.5105% | 3,191 |
| Cash dividends to net income (ytd only)* | 31.7029% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4559% | 1,794 |
| Loan loss allowance to noncurrent loans | 735.8209% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.1173% | 3,335 |
| Noncurrent loans to loans | 0.1979% | 3,158 |
| Net loans and leases to total assets | 41.7627% | 4,108 |
| Net loans and leases to deposits | 48.7557% | 4,082 |
| Net loans and leases to core deposits | 52.6088% | 4,007 |
| Total domestic deposits to total assets | 85.6571% | 2,890 |
| Equity capital to assets | 10.5924% | 2,374 |
| Core capital (leverage) ratio | 10.2579% | 2,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $311,503,750 | 2,407 |
| Average earning assets | $295,716,250 | 2,378 |
| Average equity | $33,422,750 | 2,392 |
| Average total loans | $137,415,250 | 2,790 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0900% | 1,363 |
| Cost of funding earning assets | 0.7375% | 384 |
| Net interest margin | 3.3525% | 2,291 |
| Noninterest income to average assets | 0.4307% | 2,950 |
| Noninterest expense to average assets | 2.4449% | 2,324 |
| Loan and lease loss provision to assets | 0.0596% | 1,841 |
| Net operating income to assets | 0.8737% | 3,291 |
| Return on assets (ROA) | 1.0855% | 2,665 |
| Pretax return on assets | 1.3828% | 2,386 |
| Return on Equity (ROE) | 10.0724% | 2,717 |
| Retained earnings to average equity (ytd only) | 5.8656% | 2,858 |
| Net charge-offs to loans | -0.0014% | 3,132 |
| Credit loss provision to net charge-offs | -9,200.0000% | 4,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5555% | 1,931 |
| Assets per employee ($millions) | 5.4540% | 3,181 |
| Cash dividends to net income (ytd only)* | 41.7661% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4103% | 1,931 |
| Loan loss allowance to noncurrent loans | 726.5918% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 3,449 |
| Noncurrent loans to loans | 0.1941% | 3,257 |
| Net loans and leases to total assets | 42.8725% | 4,118 |
| Net loans and leases to deposits | 50.0210% | 4,110 |
| Net loans and leases to core deposits | 54.1510% | 4,017 |
| Total domestic deposits to total assets | 85.7090% | 2,835 |
| Equity capital to assets | 10.6028% | 2,309 |
| Core capital (leverage) ratio | 10.2328% | 2,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $308,802,333 | 2,408 |
| Average earning assets | $293,693,000 | 2,382 |
| Average equity | $33,279,000 | 2,389 |
| Average total loans | $138,070,667 | 2,802 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2515% | 1,114 |
| Cost of funding earning assets | 0.7562% | 434 |
| Net interest margin | 3.4953% | 1,837 |
| Noninterest income to average assets | 0.4262% | 2,950 |
| Noninterest expense to average assets | 2.3695% | 2,594 |
| Loan and lease loss provision to assets | 0.0787% | 1,629 |
| Net operating income to assets | 1.0966% | 2,491 |
| Return on assets (ROA) | 1.5526% | 1,278 |
| Pretax return on assets | 1.8424% | 1,212 |
| Return on Equity (ROE) | 14.2872% | 1,375 |
| Retained earnings to average equity (ytd only) | 14.2872% | 729 |
| Net charge-offs to loans | 0.0376% | 1,094 |
| Credit loss provision to net charge-offs | 461.5385% | 611 |
| Earnings coverage of net charge-offs (x) | 80.8462% | 698 |
| Efficiency ratio | 63.2260% | 2,573 |
| Assets per employee ($millions) | 5.3646% | 3,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3499% | 2,198 |
| Loan loss allowance to noncurrent loans | 552.1866% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.1446% | 3,448 |
| Noncurrent loans to loans | 0.2445% | 3,222 |
| Net loans and leases to total assets | 44.4832% | 4,082 |
| Net loans and leases to deposits | 51.8415% | 4,056 |
| Net loans and leases to core deposits | 56.1821% | 3,960 |
| Total domestic deposits to total assets | 85.8061% | 2,810 |
| Equity capital to assets | 10.4472% | 2,317 |
| Core capital (leverage) ratio | 10.6291% | 1,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $305,038,000 | 2,415 |
| Average earning assets | $289,877,000 | 2,384 |
| Average equity | $33,148,500 | 2,389 |
| Average total loans | $138,326,500 | 2,806 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7111% | 876 |
| Cost of funding earning assets | 0.9833% | 630 |
| Net interest margin | 3.7278% | 1,715 |
| Noninterest income to average assets | 0.5038% | 2,616 |
| Noninterest expense to average assets | 2.6962% | 2,251 |
| Loan and lease loss provision to assets | 0.1476% | 2,528 |
| Net operating income to assets | 1.0060% | 2,267 |
| Return on assets (ROA) | 1.0470% | 2,255 |
| Pretax return on assets | 1.2409% | 2,191 |
| Return on Equity (ROE) | 9.0425% | 2,376 |
| Retained earnings to average equity (ytd only) | 4.6696% | 2,437 |
| Net charge-offs to loans | 0.1357% | 1,191 |
| Credit loss provision to net charge-offs | 221.7391% | 2,059 |
| Earnings coverage of net charge-offs (x) | 20.1304% | 1,949 |
| Efficiency ratio | 66.8071% | 2,386 |
| Assets per employee ($millions) | 5.1539% | 3,224 |
| Cash dividends to net income (ytd only)* | 48.3592% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 2,173 |
| Loan loss allowance to noncurrent loans | 533.8150% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.1515% | 3,521 |
| Noncurrent loans to loans | 0.2538% | 3,283 |
| Net loans and leases to total assets | 44.9953% | 4,193 |
| Net loans and leases to deposits | 53.0938% | 4,153 |
| Net loans and leases to core deposits | 57.3556% | 4,080 |
| Total domestic deposits to total assets | 84.7469% | 2,856 |
| Equity capital to assets | 11.3040% | 2,015 |
| Core capital (leverage) ratio | 10.6140% | 2,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $276,496,400 | 2,423 |
| Average earning assets | $261,976,000 | 2,391 |
| Average equity | $32,015,400 | 2,390 |
| Average total loans | $135,612,400 | 2,797 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7872% | 895 |
| Cost of funding earning assets | 1.0375% | 667 |
| Net interest margin | 3.7497% | 1,766 |
| Noninterest income to average assets | 0.4730% | 2,730 |
| Noninterest expense to average assets | 2.6559% | 2,372 |
| Loan and lease loss provision to assets | 0.1436% | 2,585 |
| Net operating income to assets | 1.0120% | 2,296 |
| Return on assets (ROA) | 1.0636% | 2,229 |
| Pretax return on assets | 1.2905% | 2,096 |
| Return on Equity (ROE) | 9.1261% | 2,343 |
| Retained earnings to average equity (ytd only) | 6.1700% | 2,031 |
| Net charge-offs to loans | 0.1290% | 1,107 |
| Credit loss provision to net charge-offs | 222.9008% | 2,031 |
| Earnings coverage of net charge-offs (x) | 21.2672% | 1,870 |
| Efficiency ratio | 65.9496% | 2,473 |
| Assets per employee ($millions) | 5.0655% | 3,160 |
| Cash dividends to net income (ytd only)* | 32.3924% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3235% | 2,070 |
| Loan loss allowance to noncurrent loans | 401.8018% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.2144% | 3,370 |
| Noncurrent loans to loans | 0.3294% | 3,102 |
| Net loans and leases to total assets | 46.0668% | 4,314 |
| Net loans and leases to deposits | 54.8059% | 4,302 |
| Net loans and leases to core deposits | 59.2742% | 4,243 |
| Total domestic deposits to total assets | 84.0544% | 2,801 |
| Equity capital to assets | 11.6430% | 1,910 |
| Core capital (leverage) ratio | 10.8185% | 2,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $270,888,250 | 2,432 |
| Average earning assets | $256,761,000 | 2,398 |
| Average equity | $31,571,500 | 2,399 |
| Average total loans | $135,427,750 | 2,809 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0640% | 733 |
| Cost of funding earning assets | 1.0875% | 736 |
| Net interest margin | 3.9765% | 1,385 |
| Noninterest income to average assets | 0.4756% | 2,677 |
| Noninterest expense to average assets | 2.7199% | 2,324 |
| Loan and lease loss provision to assets | 0.1600% | 2,400 |
| Net operating income to assets | 1.1478% | 1,808 |
| Return on assets (ROA) | 1.2290% | 1,678 |
| Pretax return on assets | 1.4547% | 1,574 |
| Return on Equity (ROE) | 10.5407% | 1,797 |
| Retained earnings to average equity (ytd only) | 6.0085% | 2,079 |
| Net charge-offs to loans | 0.0870% | 1,378 |
| Credit loss provision to net charge-offs | 359.3220% | 1,493 |
| Earnings coverage of net charge-offs (x) | 34.0847% | 1,350 |
| Efficiency ratio | 64.1788% | 2,799 |
| Assets per employee ($millions) | 5.0991% | 3,068 |
| Cash dividends to net income (ytd only)* | 42.9975% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2897% | 2,054 |
| Loan loss allowance to noncurrent loans | 277.9343% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 3,437 |
| Noncurrent loans to loans | 0.4640% | 2,749 |
| Net loans and leases to total assets | 47.6032% | 4,279 |
| Net loans and leases to deposits | 56.3678% | 4,280 |
| Net loans and leases to core deposits | 60.7672% | 4,224 |
| Total domestic deposits to total assets | 84.4512% | 2,576 |
| Equity capital to assets | 11.3541% | 2,078 |
| Core capital (leverage) ratio | 11.1857% | 1,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $264,940,667 | 2,443 |
| Average earning assets | $250,673,000 | 2,416 |
| Average equity | $30,889,667 | 2,416 |
| Average total loans | $135,639,333 | 2,798 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9142% | 1,159 |
| Cost of funding earning assets | 1.1581% | 885 |
| Net interest margin | 3.7560% | 2,123 |
| Noninterest income to average assets | 0.5152% | 2,472 |
| Noninterest expense to average assets | 2.7443% | 2,597 |
| Loan and lease loss provision to assets | 0.1445% | 1,948 |
| Net operating income to assets | 0.9706% | 2,281 |
| Return on assets (ROA) | 1.1075% | 1,914 |
| Pretax return on assets | 1.3321% | 1,775 |
| Return on Equity (ROE) | 9.3615% | 1,973 |
| Retained earnings to average equity (ytd only) | 9.3615% | 880 |
| Net charge-offs to loans | 0.1129% | 1,026 |
| Credit loss provision to net charge-offs | 242.1053% | 1,306 |
| Earnings coverage of net charge-offs (x) | 21.9737% | 1,374 |
| Efficiency ratio | 67.6607% | 2,727 |
| Assets per employee ($millions) | 4.4309% | 3,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2506% | 2,386 |
| Loan loss allowance to noncurrent loans | 207.2930% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.3148% | 3,177 |
| Noncurrent loans to loans | 0.6033% | 2,482 |
| Net loans and leases to total assets | 51.5259% | 4,146 |
| Net loans and leases to deposits | 61.4015% | 4,134 |
| Net loans and leases to core deposits | 66.7253% | 4,040 |
| Total domestic deposits to total assets | 83.9164% | 2,812 |
| Equity capital to assets | 11.5640% | 2,382 |
| Core capital (leverage) ratio | 11.8596% | 1,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $254,635,000 | 2,467 |
| Average earning assets | $240,039,500 | 2,447 |
| Average equity | $30,123,500 | 2,444 |
| Average total loans | $134,605,000 | 2,783 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1053% | 1,202 |
| Cost of funding earning assets | 1.1336% | 1,213 |
| Net interest margin | 3.9717% | 1,934 |
| Noninterest income to average assets | 0.5535% | 2,451 |
| Noninterest expense to average assets | 2.8380% | 2,483 |
| Loan and lease loss provision to assets | 0.1906% | 1,074 |
| Net operating income to assets | 1.1145% | 2,383 |
| Return on assets (ROA) | 1.1508% | 2,353 |
| Pretax return on assets | 1.3210% | 2,435 |
| Return on Equity (ROE) | 9.2996% | 2,609 |
| Retained earnings to average equity (ytd only) | 4.9178% | 2,464 |
| Net charge-offs to loans | 0.2268% | 900 |
| Credit loss provision to net charge-offs | 152.3333% | 1,675 |
| Earnings coverage of net charge-offs (x) | 11.7467% | 2,468 |
| Efficiency ratio | 65.8792% | 2,792 |
| Assets per employee ($millions) | 4.3496% | 3,435 |
| Cash dividends to net income (ytd only)* | 47.1185% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 2,432 |
| Loan loss allowance to noncurrent loans | 171.5645% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.3750% | 2,912 |
| Noncurrent loans to loans | 0.7001% | 2,126 |
| Net loans and leases to total assets | 52.9149% | 4,155 |
| Net loans and leases to deposits | 63.4967% | 4,105 |
| Net loans and leases to core deposits | 68.9890% | 4,022 |
| Total domestic deposits to total assets | 83.3349% | 3,089 |
| Equity capital to assets | 12.1011% | 2,075 |
| Core capital (leverage) ratio | 12.0318% | 1,755 |
| Tier 1 risk-based capital ratio | 17.7590% | 1,821 |
| Total risk-based capital ratio | 18.7293% | 1,853 |
| Memoranda: | ||
| Average total assets | $239,749,200 | 2,527 |
| Average earning assets | $226,626,400 | 2,485 |
| Average equity | $29,667,800 | 2,415 |
| Average total loans | $132,290,000 | 2,798 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1334% | 1,195 |
| Cost of funding earning assets | 1.1172% | 1,283 |
| Net interest margin | 4.0162% | 1,884 |
| Noninterest income to average assets | 0.5601% | 2,411 |
| Noninterest expense to average assets | 2.8338% | 2,458 |
| Loan and lease loss provision to assets | 0.2102% | 827 |
| Net operating income to assets | 1.1264% | 2,468 |
| Return on assets (ROA) | 1.1743% | 2,365 |
| Pretax return on assets | 1.3766% | 2,395 |
| Return on Equity (ROE) | 9.4341% | 2,703 |
| Retained earnings to average equity (ytd only) | 6.7179% | 2,001 |
| Net charge-offs to loans | 0.2827% | 620 |
| Credit loss provision to net charge-offs | 133.6918% | 1,785 |
| Earnings coverage of net charge-offs (x) | 9.7348% | 2,552 |
| Efficiency ratio | 64.9322% | 2,879 |
| Assets per employee ($millions) | 4.4596% | 3,269 |
| Cash dividends to net income (ytd only)* | 28.7908% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 2,695 |
| Loan loss allowance to noncurrent loans | 301.7408% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.2108% | 3,728 |
| Noncurrent loans to loans | 0.3859% | 3,168 |
| Net loans and leases to total assets | 53.9841% | 4,185 |
| Net loans and leases to deposits | 65.5727% | 4,092 |
| Net loans and leases to core deposits | 70.8239% | 4,010 |
| Total domestic deposits to total assets | 82.3270% | 3,379 |
| Equity capital to assets | 12.7329% | 1,765 |
| Core capital (leverage) ratio | 12.2425% | 1,709 |
| Tier 1 risk-based capital ratio | 18.0351% | 1,804 |
| Total risk-based capital ratio | 18.9815% | 1,846 |
| Memoranda: | ||
| Average total assets | $236,617,750 | 2,562 |
| Average earning assets | $224,121,750 | 2,526 |
| Average equity | $29,452,750 | 2,438 |
| Average total loans | $131,584,000 | 2,838 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0967% | 1,227 |
| Cost of funding earning assets | 1.0837% | 1,364 |
| Net interest margin | 4.0129% | 1,882 |
| Noninterest income to average assets | 0.5425% | 2,421 |
| Noninterest expense to average assets | 2.8392% | 2,446 |
| Loan and lease loss provision to assets | 0.2310% | 702 |
| Net operating income to assets | 1.0799% | 2,604 |
| Return on assets (ROA) | 1.1526% | 2,389 |
| Pretax return on assets | 1.3537% | 2,372 |
| Return on Equity (ROE) | 9.3347% | 2,710 |
| Retained earnings to average equity (ytd only) | 5.1767% | 2,681 |
| Net charge-offs to loans | 0.4006% | 418 |
| Credit loss provision to net charge-offs | 103.0534% | 1,922 |
| Earnings coverage of net charge-offs (x) | 6.6870% | 2,546 |
| Efficiency ratio | 65.4438% | 2,897 |
| Assets per employee ($millions) | 4.4624% | 3,199 |
| Cash dividends to net income (ytd only)* | 44.5434% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 3,054 |
| Loan loss allowance to noncurrent loans | 293.6255% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.2116% | 3,729 |
| Noncurrent loans to loans | 0.3756% | 3,180 |
| Net loans and leases to total assets | 54.8525% | 4,153 |
| Net loans and leases to deposits | 66.3594% | 4,077 |
| Net loans and leases to core deposits | 70.1768% | 4,102 |
| Total domestic deposits to total assets | 82.6597% | 3,317 |
| Equity capital to assets | 12.4393% | 1,895 |
| Core capital (leverage) ratio | 12.2451% | 1,678 |
| Tier 1 risk-based capital ratio | 17.8355% | 1,842 |
| Total risk-based capital ratio | 18.7422% | 1,904 |
| Memoranda: | ||
| Average total assets | $233,731,000 | 2,588 |
| Average earning assets | $221,084,330 | 2,558 |
| Average equity | $28,860,000 | 2,460 |
| Average total loans | $130,788,330 | 2,861 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0959% | 1,103 |
| Cost of funding earning assets | 1.0464% | 1,389 |
| Net interest margin | 4.0495% | 1,688 |
| Noninterest income to average assets | 0.5093% | 2,500 |
| Noninterest expense to average assets | 2.8456% | 2,430 |
| Loan and lease loss provision to assets | 0.2607% | 546 |
| Net operating income to assets | 1.0360% | 2,718 |
| Return on assets (ROA) | 1.0360% | 2,758 |
| Pretax return on assets | 1.2307% | 2,696 |
| Return on Equity (ROE) | 8.4233% | 3,070 |
| Retained earnings to average equity (ytd only) | 8.4233% | 1,515 |
| Net charge-offs to loans | 0.7669% | 191 |
| Credit loss provision to net charge-offs | 60.4839% | 1,908 |
| Earnings coverage of net charge-offs (x) | 3.4597% | 2,400 |
| Efficiency ratio | 65.6112% | 2,994 |
| Assets per employee ($millions) | 4.3244% | 3,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0572% | 3,370 |
| Loan loss allowance to noncurrent loans | 277.4848% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.2188% | 3,751 |
| Noncurrent loans to loans | 0.3810% | 3,221 |
| Net loans and leases to total assets | 54.8252% | 4,144 |
| Net loans and leases to deposits | 66.4513% | 4,019 |
| Net loans and leases to core deposits | 70.5302% | 4,055 |
| Total domestic deposits to total assets | 82.5043% | 3,581 |
| Equity capital to assets | 12.4643% | 1,755 |
| Core capital (leverage) ratio | 12.5632% | 1,469 |
| Tier 1 risk-based capital ratio | 18.7199% | 1,607 |
| Total risk-based capital ratio | 19.6078% | 1,642 |
| Memoranda: | ||
| Average total assets | $230,111,500 | 2,640 |
| Average earning assets | $217,509,000 | 2,603 |
| Average equity | $28,302,500 | 2,500 |
| Average total loans | $129,356,500 | 2,911 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0946% | 856 |
| Cost of funding earning assets | 0.8489% | 1,309 |
| Net interest margin | 4.2458% | 1,290 |
| Noninterest income to average assets | 0.6200% | 2,192 |
| Noninterest expense to average assets | 3.0529% | 1,918 |
| Loan and lease loss provision to assets | 0.1900% | 1,007 |
| Net operating income to assets | 1.1723% | 2,304 |
| Return on assets (ROA) | 1.1723% | 2,296 |
| Pretax return on assets | 1.3669% | 2,252 |
| Return on Equity (ROE) | 9.5647% | 2,713 |
| Retained earnings to average equity (ytd only) | 5.4549% | 2,504 |
| Net charge-offs to loans | 0.0594% | 2,289 |
| Credit loss provision to net charge-offs | 560.8108% | 625 |
| Earnings coverage of net charge-offs (x) | 45.9459% | 1,197 |
| Efficiency ratio | 66.2263% | 2,834 |
| Assets per employee ($millions) | 4.1220% | 3,716 |
| Cash dividends to net income (ytd only)* | 42.9688% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1336% | 2,911 |
| Loan loss allowance to noncurrent loans | 155.4613% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.4332% | 2,834 |
| Noncurrent loans to loans | 0.7292% | 2,166 |
| Net loans and leases to total assets | 56.3959% | 4,104 |
| Net loans and leases to deposits | 68.1801% | 3,967 |
| Net loans and leases to core deposits | 72.3500% | 3,969 |
| Total domestic deposits to total assets | 82.7161% | 3,418 |
| Equity capital to assets | 12.1297% | 1,797 |
| Core capital (leverage) ratio | 12.6394% | 1,395 |
| Tier 1 risk-based capital ratio | 18.0850% | 1,733 |
| Total risk-based capital ratio | 19.0236% | 1,776 |
| Memoranda: | ||
| Average total assets | $218,381,200 | 2,707 |
| Average earning assets | $205,215,800 | 2,678 |
| Average equity | $26,765,000 | 2,524 |
| Average total loans | $124,600,200 | 2,945 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0723% | 805 |
| Cost of funding earning assets | 0.7954% | 1,362 |
| Net interest margin | 4.2769% | 1,168 |
| Noninterest income to average assets | 0.5979% | 2,319 |
| Noninterest expense to average assets | 3.0981% | 1,770 |
| Loan and lease loss provision to assets | 0.1479% | 1,344 |
| Net operating income to assets | 1.1268% | 2,545 |
| Return on assets (ROA) | 1.1268% | 2,555 |
| Pretax return on assets | 1.3660% | 2,355 |
| Return on Equity (ROE) | 9.1690% | 3,014 |
| Retained earnings to average equity (ytd only) | 6.4103% | 2,429 |
| Net charge-offs to loans | 0.0659% | 1,886 |
| Credit loss provision to net charge-offs | 393.4426% | 835 |
| Earnings coverage of net charge-offs (x) | 40.2629% | 1,350 |
| Efficiency ratio | 67.1746% | 2,689 |
| Assets per employee ($millions) | 4.0786% | 3,770 |
| Cash dividends to net income (ytd only)* | 30.0878% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 3,688 |
| Loan loss allowance to noncurrent loans | 346.8085% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.1803% | 4,046 |
| Noncurrent loans to loans | 0.2917% | 3,637 |
| Net loans and leases to total assets | 57.9242% | 4,051 |
| Net loans and leases to deposits | 70.2895% | 3,896 |
| Net loans and leases to core deposits | 74.2581% | 3,931 |
| Total domestic deposits to total assets | 82.4081% | 3,487 |
| Equity capital to assets | 12.0281% | 1,893 |
| Core capital (leverage) ratio | 12.7828% | 1,376 |
| Tier 1 risk-based capital ratio | 18.6466% | 1,629 |
| Total risk-based capital ratio | 19.5130% | 1,681 |
| Memoranda: | ||
| Average total assets | $216,299,500 | 2,737 |
| Average earning assets | $203,007,750 | 2,716 |
| Average equity | $26,581,500 | 2,549 |
| Average total loans | $123,420,250 | 2,986 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0046% | 808 |
| Cost of funding earning assets | 0.7297% | 1,469 |
| Net interest margin | 4.2749% | 1,094 |
| Noninterest income to average assets | 0.6019% | 2,316 |
| Noninterest expense to average assets | 3.1416% | 1,687 |
| Loan and lease loss provision to assets | 0.1656% | 1,112 |
| Net operating income to assets | 1.0438% | 2,834 |
| Return on assets (ROA) | 1.0438% | 2,831 |
| Pretax return on assets | 1.3006% | 2,514 |
| Return on Equity (ROE) | 8.4324% | 3,296 |
| Retained earnings to average equity (ytd only) | 4.2989% | 3,454 |
| Net charge-offs to loans | 0.0362% | 2,126 |
| Credit loss provision to net charge-offs | 809.0909% | 496 |
| Earnings coverage of net charge-offs (x) | 71.6364% | 894 |
| Efficiency ratio | 68.1809% | 2,614 |
| Assets per employee ($millions) | 3.9727% | 3,943 |
| Cash dividends to net income (ytd only)* | 49.0196% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 3,654 |
| Loan loss allowance to noncurrent loans | 317.8660% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.2494% | 3,765 |
| Noncurrent loans to loans | 0.3237% | 3,543 |
| Net loans and leases to total assets | 56.3868% | 4,128 |
| Net loans and leases to deposits | 68.4626% | 3,988 |
| Net loans and leases to core deposits | 71.5583% | 4,039 |
| Total domestic deposits to total assets | 82.3614% | 3,609 |
| Equity capital to assets | 12.1264% | 1,767 |
| Core capital (leverage) ratio | 12.6504% | 1,367 |
| Tier 1 risk-based capital ratio | 18.4583% | 1,680 |
| Total risk-based capital ratio | 19.3226% | 1,742 |
| Memoranda: | ||
| Average total assets | $214,985,000 | 2,769 |
| Average earning assets | $201,453,330 | 2,741 |
| Average equity | $26,611,670 | 2,555 |
| Average total loans | $121,601,000 | 3,016 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9688% | 741 |
| Cost of funding earning assets | 0.6740% | 1,573 |
| Net interest margin | 4.2948% | 956 |
| Noninterest income to average assets | 0.5984% | 2,268 |
| Noninterest expense to average assets | 3.1290% | 1,743 |
| Loan and lease loss provision to assets | 0.1426% | 1,324 |
| Net operating income to assets | 1.0355% | 2,710 |
| Return on assets (ROA) | 1.0355% | 2,728 |
| Pretax return on assets | 1.3432% | 2,210 |
| Return on Equity (ROE) | 8.2791% | 3,255 |
| Retained earnings to average equity (ytd only) | 8.2791% | 1,735 |
| Net charge-offs to loans | -0.0300% | 4,740 |
| Credit loss provision to net charge-offs | -844.4444% | 4,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8049% | 2,864 |
| Assets per employee ($millions) | 3.8565% | 4,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0015% | 3,946 |
| Loan loss allowance to noncurrent loans | 255.8140% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.2866% | 3,712 |
| Noncurrent loans to loans | 0.3915% | 3,385 |
| Net loans and leases to total assets | 55.3805% | 4,172 |
| Net loans and leases to deposits | 67.2271% | 4,005 |
| Net loans and leases to core deposits | 69.1603% | 4,133 |
| Total domestic deposits to total assets | 82.3782% | 3,851 |
| Equity capital to assets | 12.2492% | 1,634 |
| Core capital (leverage) ratio | 12.8215% | 1,243 |
| Tier 1 risk-based capital ratio | 18.8129% | 1,600 |
| Total risk-based capital ratio | 19.6456% | 1,689 |
| Memoranda: | ||
| Average total assets | $213,228,500 | 2,809 |
| Average earning assets | $199,404,000 | 2,792 |
| Average equity | $26,669,500 | 2,577 |
| Average total loans | $120,159,000 | 3,066 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9662% | 688 |
| Cost of funding earning assets | 0.6138% | 1,516 |
| Net interest margin | 4.3524% | 856 |
| Noninterest income to average assets | 0.6263% | 2,326 |
| Noninterest expense to average assets | 3.1923% | 1,625 |
| Loan and lease loss provision to assets | 0.0039% | 4,171 |
| Net operating income to assets | 0.9919% | 2,286 |
| Return on assets (ROA) | 1.0009% | 2,276 |
| Pretax return on assets | 1.5207% | 1,559 |
| Return on Equity (ROE) | 7.7799% | 2,899 |
| Retained earnings to average equity (ytd only) | 3.6416% | 3,073 |
| Net charge-offs to loans | 0.0876% | 2,217 |
| Credit loss provision to net charge-offs | 7.7670% | 3,678 |
| Earnings coverage of net charge-offs (x) | 30.3107% | 1,537 |
| Efficiency ratio | 67.8740% | 2,917 |
| Assets per employee ($millions) | 3.9715% | 4,010 |
| Cash dividends to net income (ytd only)* | 53.1915% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9414% | 4,267 |
| Loan loss allowance to noncurrent loans | 339.8792% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.2375% | 3,954 |
| Noncurrent loans to loans | 0.2770% | 3,788 |
| Net loans and leases to total assets | 56.2399% | 4,166 |
| Net loans and leases to deposits | 68.7728% | 3,965 |
| Net loans and leases to core deposits | 70.7938% | 4,123 |
| Total domestic deposits to total assets | 81.7764% | 3,919 |
| Equity capital to assets | 12.7725% | 1,367 |
| Core capital (leverage) ratio | 12.8931% | 1,181 |
| Tier 1 risk-based capital ratio | 18.6357% | 1,608 |
| Total risk-based capital ratio | 19.4184% | 1,708 |
| Memoranda: | ||
| Average total assets | $206,620,800 | 2,853 |
| Average earning assets | $193,548,400 | 2,827 |
| Average equity | $26,581,400 | 2,569 |
| Average total loans | $117,597,600 | 3,091 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9480% | 680 |
| Cost of funding earning assets | 0.6514% | 1,229 |
| Net interest margin | 4.2966% | 931 |
| Noninterest income to average assets | 0.6282% | 2,319 |
| Noninterest expense to average assets | 3.1269% | 1,730 |
| Loan and lease loss provision to assets | 0.0052% | 4,018 |
| Net operating income to assets | 1.0789% | 2,184 |
| Return on assets (ROA) | 1.0918% | 2,179 |
| Pretax return on assets | 1.5385% | 1,631 |
| Return on Equity (ROE) | 8.4710% | 2,896 |
| Retained earnings to average equity (ytd only) | 5.7043% | 2,428 |
| Net charge-offs to loans | 0.0672% | 2,162 |
| Credit loss provision to net charge-offs | 13.5593% | 3,199 |
| Earnings coverage of net charge-offs (x) | 39.8837% | 1,296 |
| Efficiency ratio | 67.2101% | 3,016 |
| Assets per employee ($millions) | 3.9245% | 4,112 |
| Cash dividends to net income (ytd only)* | 32.6605% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0077% | 4,008 |
| Loan loss allowance to noncurrent loans | 510.4803% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.1913% | 4,339 |
| Noncurrent loans to loans | 0.1974% | 4,290 |
| Net loans and leases to total assets | 55.2085% | 4,303 |
| Net loans and leases to deposits | 66.1627% | 4,239 |
| Net loans and leases to core deposits | 70.0387% | 4,240 |
| Total domestic deposits to total assets | 83.4435% | 3,311 |
| Equity capital to assets | 13.1776% | 1,303 |
| Core capital (leverage) ratio | 13.0720% | 1,186 |
| Tier 1 risk-based capital ratio | 18.5487% | 1,712 |
| Total risk-based capital ratio | 19.3532% | 1,785 |
| Memoranda: | ||
| Average total assets | $205,653,250 | 2,888 |
| Average earning assets | $192,612,500 | 2,866 |
| Average equity | $26,505,500 | 2,600 |
| Average total loans | $117,120,750 | 3,121 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9488% | 621 |
| Cost of funding earning assets | 0.6174% | 1,344 |
| Net interest margin | 4.3314% | 800 |
| Noninterest income to average assets | 0.6219% | 2,369 |
| Noninterest expense to average assets | 3.1376% | 1,744 |
| Loan and lease loss provision to assets | 0.0049% | 3,809 |
| Net operating income to assets | 1.0826% | 2,073 |
| Return on assets (ROA) | 1.0826% | 2,116 |
| Pretax return on assets | 1.5336% | 1,536 |
| Return on Equity (ROE) | 8.4642% | 2,794 |
| Retained earnings to average equity (ytd only) | 4.2665% | 3,168 |
| Net charge-offs to loans | 0.0732% | 1,891 |
| Credit loss provision to net charge-offs | 11.6279% | 2,839 |
| Earnings coverage of net charge-offs (x) | 36.6512% | 1,325 |
| Efficiency ratio | 67.0981% | 3,162 |
| Assets per employee ($millions) | 3.9820% | 3,981 |
| Cash dividends to net income (ytd only)* | 49.5942% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0270% | 3,979 |
| Loan loss allowance to noncurrent loans | 265.0224% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.2613% | 4,083 |
| Noncurrent loans to loans | 0.3875% | 3,637 |
| Net loans and leases to total assets | 55.0100% | 4,312 |
| Net loans and leases to deposits | 66.4908% | 4,188 |
| Net loans and leases to core deposits | 70.4358% | 4,198 |
| Total domestic deposits to total assets | 82.7334% | 3,644 |
| Equity capital to assets | 13.0317% | 1,366 |
| Core capital (leverage) ratio | 12.8104% | 1,251 |
| Tier 1 risk-based capital ratio | 18.3055% | 1,772 |
| Total risk-based capital ratio | 19.1258% | 1,849 |
| Memoranda: | ||
| Average total assets | $204,872,000 | 2,906 |
| Average earning assets | $191,764,330 | 2,888 |
| Average equity | $26,204,330 | 2,616 |
| Average total loans | $117,494,000 | 3,125 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9369% | 581 |
| Cost of funding earning assets | 0.6340% | 1,165 |
| Net interest margin | 4.3029% | 780 |
| Noninterest income to average assets | 0.6635% | 2,126 |
| Noninterest expense to average assets | 3.1760% | 1,678 |
| Loan and lease loss provision to assets | 0.0098% | 3,433 |
| Net operating income to assets | 1.0286% | 2,173 |
| Return on assets (ROA) | 1.0286% | 2,224 |
| Pretax return on assets | 1.4879% | 1,578 |
| Return on Equity (ROE) | 8.1195% | 2,859 |
| Retained earnings to average equity (ytd only) | 8.1195% | 1,411 |
| Net charge-offs to loans | 0.0404% | 2,011 |
| Credit loss provision to net charge-offs | 41.6667% | 2,053 |
| Earnings coverage of net charge-offs (x) | 63.5833% | 775 |
| Efficiency ratio | 67.9546% | 3,208 |
| Assets per employee ($millions) | 3.9528% | 4,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0325% | 4,079 |
| Loan loss allowance to noncurrent loans | 397.7049% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.2111% | 4,379 |
| Noncurrent loans to loans | 0.2596% | 4,186 |
| Net loans and leases to total assets | 56.5659% | 4,111 |
| Net loans and leases to deposits | 68.1488% | 3,976 |
| Net loans and leases to core deposits | 72.2062% | 3,970 |
| Total domestic deposits to total assets | 83.0035% | 3,838 |
| Equity capital to assets | 12.7931% | 1,357 |
| Core capital (leverage) ratio | 12.9299% | 1,172 |
| Tier 1 risk-based capital ratio | 18.6550% | 1,709 |
| Total risk-based capital ratio | 19.5140% | 1,753 |
| Memoranda: | ||
| Average total assets | $203,776,000 | 2,951 |
| Average earning assets | $189,916,500 | 2,936 |
| Average equity | $25,814,500 | 2,659 |
| Average total loans | $118,697,000 | 3,129 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9646% | 640 |
| Cost of funding earning assets | 0.7688% | 582 |
| Net interest margin | 4.1957% | 1,127 |
| Noninterest income to average assets | 0.5825% | 2,749 |
| Noninterest expense to average assets | 2.9050% | 2,655 |
| Loan and lease loss provision to assets | 0.0527% | 3,334 |
| Net operating income to assets | 1.1287% | 1,782 |
| Return on assets (ROA) | 1.2695% | 1,376 |
| Pretax return on assets | 1.7260% | 939 |
| Return on Equity (ROE) | 10.1922% | 1,881 |
| Retained earnings to average equity (ytd only) | 6.3461% | 1,529 |
| Net charge-offs to loans | 0.1012% | 2,269 |
| Credit loss provision to net charge-offs | 93.2203% | 2,742 |
| Earnings coverage of net charge-offs (x) | 28.1017% | 1,486 |
| Efficiency ratio | 64.6482% | 3,827 |
| Assets per employee ($millions) | 3.8847% | 4,169 |
| Cash dividends to net income (ytd only)* | 37.7358% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0174% | 4,212 |
| Loan loss allowance to noncurrent loans | 225.9259% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.3881% | 3,715 |
| Noncurrent loans to loans | 0.4503% | 3,536 |
| Net loans and leases to total assets | 58.7568% | 3,997 |
| Net loans and leases to deposits | 70.5721% | 3,849 |
| Net loans and leases to core deposits | 74.8249% | 3,853 |
| Total domestic deposits to total assets | 83.2578% | 3,672 |
| Equity capital to assets | 12.5408% | 1,498 |
| Core capital (leverage) ratio | 12.7910% | 1,216 |
| Tier 1 risk-based capital ratio | 18.1699% | 1,809 |
| Total risk-based capital ratio | 19.0285% | 1,866 |
| Memoranda: | ||
| Average total assets | $208,746,800 | 2,866 |
| Average earning assets | $194,578,400 | 2,857 |
| Average equity | $26,000,400 | 2,635 |
| Average total loans | $116,579,200 | 3,119 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9320% | 681 |
| Cost of funding earning assets | 0.7769% | 558 |
| Net interest margin | 4.1550% | 1,239 |
| Noninterest income to average assets | 0.6051% | 2,638 |
| Noninterest expense to average assets | 2.8924% | 2,663 |
| Loan and lease loss provision to assets | 0.0678% | 2,863 |
| Net operating income to assets | 1.1590% | 1,771 |
| Return on assets (ROA) | 1.3502% | 1,245 |
| Pretax return on assets | 1.7696% | 955 |
| Return on Equity (ROE) | 10.8581% | 1,721 |
| Retained earnings to average equity (ytd only) | 8.5652% | 955 |
| Net charge-offs to loans | 0.1302% | 1,664 |
| Credit loss provision to net charge-offs | 94.6903% | 2,464 |
| Earnings coverage of net charge-offs (x) | 22.1509% | 1,776 |
| Efficiency ratio | 64.5869% | 3,840 |
| Assets per employee ($millions) | 4.1588% | 3,674 |
| Cash dividends to net income (ytd only)* | 21.1170% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0370% | 4,202 |
| Loan loss allowance to noncurrent loans | 154.6835% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.4946% | 3,468 |
| Noncurrent loans to loans | 0.6704% | 3,016 |
| Net loans and leases to total assets | 57.2278% | 4,172 |
| Net loans and leases to deposits | 69.5682% | 4,021 |
| Net loans and leases to core deposits | 73.7718% | 4,019 |
| Total domestic deposits to total assets | 82.2614% | 3,853 |
| Equity capital to assets | 13.2936% | 1,350 |
| Core capital (leverage) ratio | 12.6606% | 1,328 |
| Tier 1 risk-based capital ratio | 18.6085% | 1,761 |
| Total risk-based capital ratio | 19.4883% | 1,827 |
| Memoranda: | ||
| Average total assets | $210,432,500 | 2,862 |
| Average earning assets | $196,158,000 | 2,842 |
| Average equity | $26,167,250 | 2,643 |
| Average total loans | $115,746,250 | 3,140 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8882% | 741 |
| Cost of funding earning assets | 0.8103% | 464 |
| Net interest margin | 4.0779% | 1,420 |
| Noninterest income to average assets | 0.6057% | 2,593 |
| Noninterest expense to average assets | 2.8009% | 3,026 |
| Loan and lease loss provision to assets | 0.0611% | 2,909 |
| Net operating income to assets | 1.1966% | 1,617 |
| Return on assets (ROA) | 1.4145% | 1,088 |
| Pretax return on assets | 1.8274% | 828 |
| Return on Equity (ROE) | 11.6320% | 1,438 |
| Retained earnings to average equity (ytd only) | 8.1517% | 1,128 |
| Net charge-offs to loans | 0.1686% | 1,329 |
| Credit loss provision to net charge-offs | 67.0103% | 2,508 |
| Earnings coverage of net charge-offs (x) | 17.5979% | 1,868 |
| Efficiency ratio | 63.5646% | 4,088 |
| Assets per employee ($millions) | 4.2745% | 3,419 |
| Cash dividends to net income (ytd only)* | 29.9202% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0347% | 4,324 |
| Loan loss allowance to noncurrent loans | 68.4602% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 0.9466% | 2,259 |
| Noncurrent loans to loans | 1.5113% | 1,450 |
| Net loans and leases to total assets | 53.5258% | 4,551 |
| Net loans and leases to deposits | 66.5420% | 4,302 |
| Net loans and leases to core deposits | 72.0498% | 4,175 |
| Total domestic deposits to total assets | 80.4392% | 4,433 |
| Equity capital to assets | 12.5218% | 1,754 |
| Core capital (leverage) ratio | 11.8608% | 1,722 |
| Tier 1 risk-based capital ratio | 17.9948% | 1,934 |
| Total risk-based capital ratio | 18.8481% | 2,013 |
| Memoranda: | ||
| Average total assets | $212,649,330 | 2,859 |
| Average earning assets | $198,191,000 | 2,841 |
| Average equity | $25,859,670 | 2,677 |
| Average total loans | $115,047,670 | 3,158 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9388% | 653 |
| Cost of funding earning assets | 0.8245% | 431 |
| Net interest margin | 4.1143% | 1,300 |
| Noninterest income to average assets | 0.5393% | 2,872 |
| Noninterest expense to average assets | 2.7778% | 3,156 |
| Loan and lease loss provision to assets | 0.1131% | 1,849 |
| Net operating income to assets | 1.1375% | 1,758 |
| Return on assets (ROA) | 1.3597% | 1,182 |
| Pretax return on assets | 1.7670% | 906 |
| Return on Equity (ROE) | 11.3505% | 1,487 |
| Retained earnings to average equity (ytd only) | 11.3505% | 594 |
| Net charge-offs to loans | 0.0662% | 1,831 |
| Credit loss provision to net charge-offs | 315.7895% | 820 |
| Earnings coverage of net charge-offs (x) | 44.4211% | 950 |
| Efficiency ratio | 63.5736% | 4,195 |
| Assets per employee ($millions) | 4.3749% | 3,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 4,033 |
| Loan loss allowance to noncurrent loans | 187.4446% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.4072% | 3,962 |
| Noncurrent loans to loans | 0.5880% | 3,426 |
| Net loans and leases to total assets | 53.1182% | 4,526 |
| Net loans and leases to deposits | 65.4995% | 4,303 |
| Net loans and leases to core deposits | 71.2915% | 4,126 |
| Total domestic deposits to total assets | 81.0971% | 4,470 |
| Equity capital to assets | 12.0684% | 1,980 |
| Core capital (leverage) ratio | 11.8181% | 1,734 |
| Tier 1 risk-based capital ratio | 17.7571% | 2,051 |
| Total risk-based capital ratio | 18.6625% | 2,118 |
| Memoranda: | ||
| Average total assets | $212,112,500 | 2,867 |
| Average earning assets | $197,457,500 | 2,849 |
| Average equity | $25,408,500 | 2,712 |
| Average total loans | $114,775,000 | 3,168 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0182% | 603 |
| Cost of funding earning assets | 0.9682% | 201 |
| Net interest margin | 4.0500% | 1,560 |
| Noninterest income to average assets | 0.6157% | 2,640 |
| Noninterest expense to average assets | 2.6885% | 3,618 |
| Loan and lease loss provision to assets | 0.1351% | 1,768 |
| Net operating income to assets | 1.1800% | 1,622 |
| Return on assets (ROA) | 1.2774% | 1,373 |
| Pretax return on assets | 1.6925% | 1,013 |
| Return on Equity (ROE) | 11.4443% | 1,458 |
| Retained earnings to average equity (ytd only) | 8.0833% | 891 |
| Net charge-offs to loans | 0.3578% | 825 |
| Credit loss provision to net charge-offs | 70.0730% | 3,123 |
| Earnings coverage of net charge-offs (x) | 8.8078% | 2,896 |
| Efficiency ratio | 61.2958% | 4,714 |
| Assets per employee ($millions) | 4.2828% | 3,427 |
| Cash dividends to net income (ytd only)* | 29.3686% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0733% | 4,192 |
| Loan loss allowance to noncurrent loans | 166.6214% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.4818% | 3,701 |
| Noncurrent loans to loans | 0.6442% | 3,249 |
| Net loans and leases to total assets | 53.9341% | 4,510 |
| Net loans and leases to deposits | 66.4717% | 4,273 |
| Net loans and leases to core deposits | 72.4767% | 4,089 |
| Total domestic deposits to total assets | 81.1385% | 4,443 |
| Equity capital to assets | 11.8872% | 2,042 |
| Core capital (leverage) ratio | 11.5362% | 1,931 |
| Tier 1 risk-based capital ratio | 16.1401% | 2,629 |
| Total risk-based capital ratio | 16.9602% | 2,764 |
| Memoranda: | ||
| Average total assets | $213,240,600 | 2,808 |
| Average earning assets | $198,518,800 | 2,794 |
| Average equity | $23,802,200 | 2,800 |
| Average total loans | $114,882,000 | 3,123 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9797% | 652 |
| Cost of funding earning assets | 0.9995% | 177 |
| Net interest margin | 3.9802% | 1,768 |
| Noninterest income to average assets | 0.6346% | 2,559 |
| Noninterest expense to average assets | 2.6786% | 3,638 |
| Loan and lease loss provision to assets | 0.1769% | 1,193 |
| Net operating income to assets | 1.1112% | 1,954 |
| Return on assets (ROA) | 1.2406% | 1,582 |
| Pretax return on assets | 1.6641% | 1,202 |
| Return on Equity (ROE) | 11.2940% | 1,598 |
| Retained earnings to average equity (ytd only) | 9.0261% | 894 |
| Net charge-offs to loans | 0.3269% | 809 |
| Credit loss provision to net charge-offs | 100.7092% | 2,245 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 2,689 |
| Efficiency ratio | 61.6189% | 4,624 |
| Assets per employee ($millions) | 4.5492% | 2,925 |
| Cash dividends to net income (ytd only)* | 20.0803% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 3,735 |
| Loan loss allowance to noncurrent loans | 135.8434% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.8989% | 2,627 |
| Noncurrent loans to loans | 0.8729% | 2,800 |
| Net loans and leases to total assets | 52.7358% | 4,688 |
| Net loans and leases to deposits | 67.3792% | 4,248 |
| Net loans and leases to core deposits | 73.7062% | 4,044 |
| Total domestic deposits to total assets | 78.2673% | 5,139 |
| Equity capital to assets | 11.3895% | 2,596 |
| Core capital (leverage) ratio | 11.1700% | 2,330 |
| Tier 1 risk-based capital ratio | 15.9327% | 2,828 |
| Total risk-based capital ratio | 16.8371% | 2,934 |
| Memoranda: | ||
| Average total assets | $214,086,750 | 2,827 |
| Average earning assets | $199,685,250 | 2,806 |
| Average equity | $23,516,250 | 2,854 |
| Average total loans | $114,999,500 | 3,150 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9472% | 656 |
| Cost of funding earning assets | 1.0091% | 171 |
| Net interest margin | 3.9381% | 1,863 |
| Noninterest income to average assets | 0.5220% | 3,212 |
| Noninterest expense to average assets | 2.6305% | 3,814 |
| Loan and lease loss provision to assets | 0.2054% | 953 |
| Net operating income to assets | 0.9846% | 2,477 |
| Return on assets (ROA) | 1.1598% | 1,816 |
| Pretax return on assets | 1.5959% | 1,338 |
| Return on Equity (ROE) | 10.6895% | 1,781 |
| Retained earnings to average equity (ytd only) | 7.2469% | 1,593 |
| Net charge-offs to loans | 0.4441% | 576 |
| Credit loss provision to net charge-offs | 85.9375% | 2,260 |
| Earnings coverage of net charge-offs (x) | 6.5313% | 2,772 |
| Efficiency ratio | 62.7534% | 4,553 |
| Assets per employee ($millions) | 4.5744% | 2,866 |
| Cash dividends to net income (ytd only)* | 32.2061% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1481% | 4,089 |
| Loan loss allowance to noncurrent loans | 130.4563% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 1.1182% | 2,271 |
| Noncurrent loans to loans | 0.8800% | 2,929 |
| Net loans and leases to total assets | 52.6631% | 4,689 |
| Net loans and leases to deposits | 66.6043% | 4,280 |
| Net loans and leases to core deposits | 73.0421% | 4,039 |
| Total domestic deposits to total assets | 79.0685% | 5,087 |
| Equity capital to assets | 10.7164% | 3,201 |
| Core capital (leverage) ratio | 10.7549% | 2,673 |
| Tier 1 risk-based capital ratio | 15.2247% | 3,236 |
| Total risk-based capital ratio | 16.0919% | 3,387 |
| Memoranda: | ||
| Average total assets | $214,178,670 | 2,845 |
| Average earning assets | $199,588,670 | 2,826 |
| Average equity | $23,237,670 | 2,892 |
| Average total loans | $115,296,670 | 3,164 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8508% | 782 |
| Cost of funding earning assets | 1.0333% | 146 |
| Net interest margin | 3.8175% | 2,178 |
| Noninterest income to average assets | 0.5071% | 3,244 |
| Noninterest expense to average assets | 2.7038% | 3,575 |
| Loan and lease loss provision to assets | 0.0374% | 3,151 |
| Net operating income to assets | 0.9174% | 2,664 |
| Return on assets (ROA) | 1.1601% | 1,771 |
| Pretax return on assets | 1.6710% | 1,111 |
| Return on Equity (ROE) | 10.6271% | 1,759 |
| Retained earnings to average equity (ytd only) | 10.6271% | 787 |
| Net charge-offs to loans | -0.0242% | 5,134 |
| Credit loss provision to net charge-offs | -285.7143% | 4,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5899% | 4,055 |
| Assets per employee ($millions) | 4.7080% | 2,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1964% | 4,003 |
| Loan loss allowance to noncurrent loans | 57.2973% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 1.4245% | 1,859 |
| Noncurrent loans to loans | 2.0880% | 1,235 |
| Net loans and leases to total assets | 52.5491% | 4,608 |
| Net loans and leases to deposits | 66.5594% | 4,098 |
| Net loans and leases to core deposits | 72.9438% | 3,879 |
| Total domestic deposits to total assets | 78.9506% | 5,274 |
| Equity capital to assets | 11.0271% | 2,939 |
| Core capital (leverage) ratio | 10.7293% | 2,715 |
| Tier 1 risk-based capital ratio | 15.2290% | 3,305 |
| Total risk-based capital ratio | 16.1469% | 3,426 |
| Memoranda: | ||
| Average total assets | $213,769,500 | 2,867 |
| Average earning assets | $198,978,500 | 2,846 |
| Average equity | $23,336,500 | 2,896 |
| Average total loans | $115,675,500 | 3,167 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1624% | 561 |
| Cost of funding earning assets | 1.1460% | 106 |
| Net interest margin | 4.0164% | 1,849 |
| Noninterest income to average assets | 0.5251% | 3,323 |
| Noninterest expense to average assets | 2.6115% | 4,172 |
| Loan and lease loss provision to assets | 0.1151% | 2,249 |
| Net operating income to assets | 1.1329% | 1,846 |
| Return on assets (ROA) | 1.2981% | 1,362 |
| Pretax return on assets | 1.7376% | 914 |
| Return on Equity (ROE) | 13.1319% | 1,106 |
| Retained earnings to average equity (ytd only) | 10.2320% | 480 |
| Net charge-offs to loans | 0.2114% | 1,976 |
| Credit loss provision to net charge-offs | 102.5532% | 2,335 |
| Earnings coverage of net charge-offs (x) | 14.5404% | 2,152 |
| Efficiency ratio | 61.5333% | 4,987 |
| Assets per employee ($millions) | 4.5863% | 2,893 |
| Cash dividends to net income (ytd only)* | 22.0832% | 3,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1630% | 4,209 |
| Loan loss allowance to noncurrent loans | 137.4364% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.8712% | 3,033 |
| Noncurrent loans to loans | 0.8462% | 3,197 |
| Net loans and leases to total assets | 54.4233% | 4,525 |
| Net loans and leases to deposits | 71.0692% | 3,780 |
| Net loans and leases to core deposits | 78.3275% | 3,484 |
| Total domestic deposits to total assets | 76.5779% | 5,660 |
| Equity capital to assets | 10.8033% | 3,117 |
| Core capital (leverage) ratio | 10.5147% | 2,926 |
| Tier 1 risk-based capital ratio | 15.2146% | 3,369 |
| Total risk-based capital ratio | 16.1387% | 3,482 |
| Memoranda: | ||
| Average total assets | $209,307,400 | 2,880 |
| Average earning assets | $193,804,600 | 2,867 |
| Average equity | $20,690,000 | 3,083 |
| Average total loans | $111,164,000 | 3,194 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1564% | 571 |
| Cost of funding earning assets | 1.1555% | 106 |
| Net interest margin | 4.0009% | 1,876 |
| Noninterest income to average assets | 0.5291% | 3,325 |
| Noninterest expense to average assets | 2.6150% | 4,151 |
| Loan and lease loss provision to assets | 0.1398% | 1,786 |
| Net operating income to assets | 1.0739% | 2,141 |
| Return on assets (ROA) | 1.2887% | 1,451 |
| Pretax return on assets | 1.7680% | 948 |
| Return on Equity (ROE) | 13.3498% | 1,129 |
| Retained earnings to average equity (ytd only) | 11.3662% | 470 |
| Net charge-offs to loans | 0.2281% | 1,680 |
| Credit loss provision to net charge-offs | 116.4894% | 1,955 |
| Earnings coverage of net charge-offs (x) | 13.4468% | 2,226 |
| Efficiency ratio | 61.8415% | 4,909 |
| Assets per employee ($millions) | 4.7334% | 2,616 |
| Cash dividends to net income (ytd only)* | 14.8589% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1970% | 4,244 |
| Loan loss allowance to noncurrent loans | 104.3215% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 0.9516% | 3,063 |
| Noncurrent loans to loans | 1.1475% | 2,763 |
| Net loans and leases to total assets | 53.3204% | 4,659 |
| Net loans and leases to deposits | 69.2744% | 3,994 |
| Net loans and leases to core deposits | 76.7522% | 3,663 |
| Total domestic deposits to total assets | 76.9698% | 5,680 |
| Equity capital to assets | 10.3172% | 3,770 |
| Core capital (leverage) ratio | 10.3411% | 3,231 |
| Tier 1 risk-based capital ratio | 15.1077% | 3,529 |
| Total risk-based capital ratio | 16.0593% | 3,634 |
| Memoranda: | ||
| Average total assets | $208,891,250 | 2,912 |
| Average earning assets | $193,152,000 | 2,898 |
| Average equity | $20,164,500 | 3,154 |
| Average total loans | $109,912,750 | 3,238 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1343% | 575 |
| Cost of funding earning assets | 1.1678% | 102 |
| Net interest margin | 3.9664% | 1,913 |
| Noninterest income to average assets | 0.5214% | 3,332 |
| Noninterest expense to average assets | 2.6388% | 4,100 |
| Loan and lease loss provision to assets | 0.1397% | 1,774 |
| Net operating income to assets | 1.0072% | 2,293 |
| Return on assets (ROA) | 1.3049% | 1,343 |
| Pretax return on assets | 1.8225% | 811 |
| Return on Equity (ROE) | 13.8441% | 985 |
| Retained earnings to average equity (ytd only) | 10.7767% | 570 |
| Net charge-offs to loans | 0.1053% | 2,630 |
| Credit loss provision to net charge-offs | 254.3860% | 978 |
| Earnings coverage of net charge-offs (x) | 28.1930% | 1,311 |
| Efficiency ratio | 63.0150% | 4,855 |
| Assets per employee ($millions) | 4.4057% | 3,078 |
| Cash dividends to net income (ytd only)* | 22.1566% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2944% | 3,877 |
| Loan loss allowance to noncurrent loans | 129.4490% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.8464% | 3,436 |
| Noncurrent loans to loans | 0.9999% | 3,234 |
| Net loans and leases to total assets | 51.6725% | 4,779 |
| Net loans and leases to deposits | 66.8159% | 4,186 |
| Net loans and leases to core deposits | 74.0339% | 3,837 |
| Total domestic deposits to total assets | 77.3357% | 5,752 |
| Equity capital to assets | 9.8806% | 4,265 |
| Core capital (leverage) ratio | 10.0665% | 3,515 |
| Tier 1 risk-based capital ratio | 15.1153% | 3,574 |
| Total risk-based capital ratio | 16.1379% | 3,640 |
| Memoranda: | ||
| Average total assets | $207,520,670 | 2,947 |
| Average earning assets | $191,809,670 | 2,922 |
| Average equity | $19,560,670 | 3,217 |
| Average total loans | $108,233,670 | 3,280 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1973% | 485 |
| Cost of funding earning assets | 1.1922% | 95 |
| Net interest margin | 4.0051% | 1,740 |
| Noninterest income to average assets | 0.5118% | 3,319 |
| Noninterest expense to average assets | 2.5435% | 4,469 |
| Loan and lease loss provision to assets | 0.1654% | 1,462 |
| Net operating income to assets | 1.0519% | 2,000 |
| Return on assets (ROA) | 1.5024% | 844 |
| Pretax return on assets | 2.1309% | 406 |
| Return on Equity (ROE) | 16.3442% | 605 |
| Retained earnings to average equity (ytd only) | 16.3442% | 256 |
| Net charge-offs to loans | 0.0972% | 2,194 |
| Credit loss provision to net charge-offs | 326.9231% | 756 |
| Earnings coverage of net charge-offs (x) | 32.8462% | 994 |
| Efficiency ratio | 60.4813% | 5,337 |
| Assets per employee ($millions) | 4.3244% | 3,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3159% | 4,037 |
| Loan loss allowance to noncurrent loans | 103.9230% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 0.9149% | 3,438 |
| Noncurrent loans to loans | 1.2662% | 2,917 |
| Net loans and leases to total assets | 50.7267% | 4,825 |
| Net loans and leases to deposits | 65.3959% | 4,157 |
| Net loans and leases to core deposits | 72.4487% | 3,825 |
| Total domestic deposits to total assets | 77.5686% | 5,892 |
| Equity capital to assets | 9.4955% | 4,507 |
| Core capital (leverage) ratio | 10.1684% | 3,326 |
| Tier 1 risk-based capital ratio | 15.4904% | 3,437 |
| Total risk-based capital ratio | 16.5311% | 3,510 |
| Memoranda: | ||
| Average total assets | $205,544,000 | 2,991 |
| Average earning assets | $189,559,500 | 2,977 |
| Average equity | $18,893,500 | 3,294 |
| Average total loans | $106,997,000 | 3,317 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3911% | 444 |
| Cost of funding earning assets | 1.2606% | 134 |
| Net interest margin | 4.1305% | 1,568 |
| Noninterest income to average assets | 0.6284% | 2,931 |
| Noninterest expense to average assets | 2.5533% | 4,604 |
| Loan and lease loss provision to assets | 0.3316% | 978 |
| Net operating income to assets | 1.1941% | 1,590 |
| Return on assets (ROA) | 1.3201% | 1,239 |
| Pretax return on assets | 1.7191% | 909 |
| Return on Equity (ROE) | 14.0954% | 930 |
| Retained earnings to average equity (ytd only) | 10.9479% | 422 |
| Net charge-offs to loans | 0.4597% | 1,445 |
| Credit loss provision to net charge-offs | 139.4628% | 1,673 |
| Earnings coverage of net charge-offs (x) | 7.9360% | 2,761 |
| Efficiency ratio | 57.5017% | 5,792 |
| Assets per employee ($millions) | 4.2399% | 3,380 |
| Cash dividends to net income (ytd only)* | 22.3297% | 3,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2535% | 4,372 |
| Loan loss allowance to noncurrent loans | 83.8529% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 1.0230% | 3,381 |
| Noncurrent loans to loans | 1.4949% | 2,651 |
| Net loans and leases to total assets | 52.0600% | 4,838 |
| Net loans and leases to deposits | 66.7542% | 4,212 |
| Net loans and leases to core deposits | 74.3761% | 3,802 |
| Total domestic deposits to total assets | 77.9876% | 5,831 |
| Equity capital to assets | 8.8823% | 5,167 |
| Core capital (leverage) ratio | 9.8679% | 3,744 |
| Tier 1 risk-based capital ratio | 14.6767% | 3,851 |
| Total risk-based capital ratio | 15.6574% | 3,953 |
| Memoranda: | ||
| Average total assets | $203,542,600 | 2,994 |
| Average earning assets | $187,845,000 | 2,986 |
| Average equity | $19,063,000 | 3,271 |
| Average total loans | $105,297,400 | 3,334 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3783% | 460 |
| Cost of funding earning assets | 1.2696% | 143 |
| Net interest margin | 4.1088% | 1,607 |
| Noninterest income to average assets | 0.6616% | 2,817 |
| Noninterest expense to average assets | 2.5585% | 4,519 |
| Loan and lease loss provision to assets | 0.3799% | 814 |
| Net operating income to assets | 1.1921% | 1,665 |
| Return on assets (ROA) | 1.3474% | 1,277 |
| Pretax return on assets | 1.7168% | 1,065 |
| Return on Equity (ROE) | 14.2034% | 946 |
| Retained earnings to average equity (ytd only) | 12.1319% | 403 |
| Net charge-offs to loans | 0.5420% | 1,174 |
| Credit loss provision to net charge-offs | 136.1502% | 1,727 |
| Earnings coverage of net charge-offs (x) | 6.8004% | 2,904 |
| Efficiency ratio | 57.4158% | 5,753 |
| Assets per employee ($millions) | 4.2352% | 3,355 |
| Cash dividends to net income (ytd only)* | 14.5843% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2419% | 4,688 |
| Loan loss allowance to noncurrent loans | 58.0817% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 1.5141% | 2,663 |
| Noncurrent loans to loans | 2.1381% | 2,088 |
| Net loans and leases to total assets | 51.1673% | 4,987 |
| Net loans and leases to deposits | 65.9517% | 4,313 |
| Net loans and leases to core deposits | 73.6039% | 3,895 |
| Total domestic deposits to total assets | 77.5830% | 5,963 |
| Equity capital to assets | 9.0374% | 5,144 |
| Core capital (leverage) ratio | 9.7678% | 4,006 |
| Tier 1 risk-based capital ratio | 14.3472% | 4,187 |
| Total risk-based capital ratio | 15.2951% | 4,344 |
| Memoranda: | ||
| Average total assets | $203,549,000 | 3,015 |
| Average earning assets | $187,983,500 | 3,008 |
| Average equity | $19,309,500 | 3,271 |
| Average total loans | $104,797,750 | 3,369 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3575% | 475 |
| Cost of funding earning assets | 1.2900% | 148 |
| Net interest margin | 4.0675% | 1,641 |
| Noninterest income to average assets | 0.6590% | 2,862 |
| Noninterest expense to average assets | 2.5025% | 4,718 |
| Loan and lease loss provision to assets | 0.2799% | 1,308 |
| Net operating income to assets | 1.3188% | 1,274 |
| Return on assets (ROA) | 1.5606% | 874 |
| Pretax return on assets | 1.9348% | 689 |
| Return on Equity (ROE) | 16.1961% | 640 |
| Retained earnings to average equity (ytd only) | 13.1383% | 369 |
| Net charge-offs to loans | 0.0210% | 4,419 |
| Credit loss provision to net charge-offs | 2,590.9091% | 131 |
| Earnings coverage of net charge-offs (x) | 177.3636% | 281 |
| Efficiency ratio | 56.6348% | 5,886 |
| Assets per employee ($millions) | 4.4155% | 2,950 |
| Cash dividends to net income (ytd only)* | 18.8798% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3510% | 4,264 |
| Loan loss allowance to noncurrent loans | 47.9195% | 5,291 |
| Noncurrent assets plus other real estate owned to assets | 1.6567% | 2,623 |
| Noncurrent loans to loans | 2.8193% | 1,604 |
| Net loans and leases to total assets | 51.3370% | 4,947 |
| Net loans and leases to deposits | 65.8942% | 4,277 |
| Net loans and leases to core deposits | 73.4965% | 3,873 |
| Total domestic deposits to total assets | 77.9081% | 5,996 |
| Equity capital to assets | 8.7647% | 5,480 |
| Core capital (leverage) ratio | 9.4216% | 4,356 |
| Tier 1 risk-based capital ratio | 14.0219% | 4,407 |
| Total risk-based capital ratio | 15.0578% | 4,525 |
| Memoranda: | ||
| Average total assets | $203,636,000 | 3,025 |
| Average earning assets | $188,223,670 | 3,015 |
| Average equity | $19,622,000 | 3,243 |
| Average total loans | $104,622,000 | 3,389 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3164% | 497 |
| Cost of funding earning assets | 1.2878% | 165 |
| Net interest margin | 4.0286% | 1,683 |
| Noninterest income to average assets | 0.5454% | 3,474 |
| Noninterest expense to average assets | 2.4836% | 4,811 |
| Loan and lease loss provision to assets | 0.2629% | 1,348 |
| Net operating income to assets | 1.1986% | 1,531 |
| Return on assets (ROA) | 1.1986% | 1,639 |
| Pretax return on assets | 1.5302% | 1,488 |
| Return on Equity (ROE) | 11.9034% | 1,454 |
| Retained earnings to average equity (ytd only) | 11.9034% | 717 |
| Net charge-offs to loans | 0.0576% | 3,249 |
| Credit loss provision to net charge-offs | 893.3333% | 341 |
| Earnings coverage of net charge-offs (x) | 60.9333% | 588 |
| Efficiency ratio | 58.0734% | 5,839 |
| Assets per employee ($millions) | 4.4234% | 3,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2282% | 5,056 |
| Loan loss allowance to noncurrent loans | 111.1790% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.8119% | 4,343 |
| Noncurrent loans to loans | 1.1047% | 3,936 |
| Net loans and leases to total assets | 50.3140% | 4,941 |
| Net loans and leases to deposits | 65.8309% | 4,076 |
| Net loans and leases to core deposits | 73.2331% | 3,674 |
| Total domestic deposits to total assets | 76.4292% | 6,313 |
| Equity capital to assets | 10.1486% | 3,960 |
| Core capital (leverage) ratio | 9.2129% | 4,554 |
| Tier 1 risk-based capital ratio | 13.9226% | 4,566 |
| Total risk-based capital ratio | 14.8729% | 4,747 |
| Memoranda: | ||
| Average total assets | $203,898,500 | 3,053 |
| Average earning assets | $188,849,000 | 3,029 |
| Average equity | $20,532,000 | 3,194 |
| Average total loans | $104,083,500 | 3,417 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4999% | 624 |
| Cost of funding earning assets | 1.4705% | 189 |
| Net interest margin | 4.0294% | 2,274 |
| Noninterest income to average assets | 0.6737% | 2,862 |
| Noninterest expense to average assets | 2.6369% | 4,610 |
| Loan and lease loss provision to assets | 0.1667% | 3,529 |
| Net operating income to assets | 1.2330% | 1,494 |
| Return on assets (ROA) | 1.3766% | 1,258 |
| Pretax return on assets | 1.7678% | 980 |
| Return on Equity (ROE) | 14.8015% | 847 |
| Retained earnings to average equity (ytd only) | 11.6103% | 362 |
| Net charge-offs to loans | 0.4867% | 2,284 |
| Credit loss provision to net charge-offs | 68.2186% | 4,218 |
| Earnings coverage of net charge-offs (x) | 7.1640% | 2,661 |
| Efficiency ratio | 60.1015% | 5,522 |
| Assets per employee ($millions) | 4.2567% | 3,450 |
| Cash dividends to net income (ytd only)* | 21.5595% | 3,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1041% | 5,536 |
| Loan loss allowance to noncurrent loans | 123.6870% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.6925% | 4,756 |
| Noncurrent loans to loans | 0.8927% | 4,390 |
| Net loans and leases to total assets | 50.5885% | 5,093 |
| Net loans and leases to deposits | 66.0184% | 4,280 |
| Net loans and leases to core deposits | 73.5313% | 3,843 |
| Total domestic deposits to total assets | 76.6280% | 6,272 |
| Equity capital to assets | 9.9911% | 4,175 |
| Core capital (leverage) ratio | 8.8733% | 5,070 |
| Tier 1 risk-based capital ratio | 13.4781% | 4,763 |
| Total risk-based capital ratio | 14.3403% | 4,989 |
| Memoranda: | ||
| Average total assets | $202,168,800 | 3,015 |
| Average earning assets | $186,330,800 | 3,013 |
| Average equity | $18,802,200 | 3,359 |
| Average total loans | $101,507,400 | 3,482 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4901% | 693 |
| Cost of funding earning assets | 1.5034% | 197 |
| Net interest margin | 3.9866% | 2,555 |
| Noninterest income to average assets | 0.5601% | 3,543 |
| Noninterest expense to average assets | 2.7158% | 4,304 |
| Loan and lease loss provision to assets | 0.2215% | 2,848 |
| Net operating income to assets | 1.0594% | 2,258 |
| Return on assets (ROA) | 1.2524% | 1,735 |
| Pretax return on assets | 1.5335% | 1,769 |
| Return on Equity (ROE) | 13.7249% | 1,168 |
| Retained earnings to average equity (ytd only) | 11.5509% | 600 |
| Net charge-offs to loans | 0.0450% | 5,025 |
| Credit loss provision to net charge-offs | 985.2941% | 288 |
| Earnings coverage of net charge-offs (x) | 67.5914% | 603 |
| Efficiency ratio | 64.1218% | 4,788 |
| Assets per employee ($millions) | 4.4399% | 3,016 |
| Cash dividends to net income (ytd only)* | 15.8395% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5722% | 3,635 |
| Loan loss allowance to noncurrent loans | 125.7410% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.8784% | 4,524 |
| Noncurrent loans to loans | 1.2504% | 3,965 |
| Net loans and leases to total assets | 49.4124% | 5,382 |
| Net loans and leases to deposits | 64.4419% | 4,663 |
| Net loans and leases to core deposits | 71.8114% | 4,275 |
| Total domestic deposits to total assets | 76.6775% | 6,285 |
| Equity capital to assets | 9.7598% | 4,835 |
| Core capital (leverage) ratio | 8.6126% | 5,607 |
| Tier 1 risk-based capital ratio | 13.1829% | 5,104 |
| Total risk-based capital ratio | 14.4008% | 5,094 |
| Memoranda: | ||
| Average total assets | $201,630,750 | 3,054 |
| Average earning assets | $185,882,500 | 3,039 |
| Average equity | $18,399,250 | 3,451 |
| Average total loans | $100,755,000 | 3,541 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5072% | 713 |
| Cost of funding earning assets | 1.5630% | 181 |
| Net interest margin | 3.9442% | 2,733 |
| Noninterest income to average assets | 0.6107% | 3,190 |
| Noninterest expense to average assets | 2.7246% | 4,308 |
| Loan and lease loss provision to assets | 0.3088% | 2,138 |
| Net operating income to assets | 0.9687% | 2,588 |
| Return on assets (ROA) | 1.2532% | 1,724 |
| Pretax return on assets | 1.5581% | 1,680 |
| Return on Equity (ROE) | 14.0653% | 1,098 |
| Retained earnings to average equity (ytd only) | 10.7111% | 802 |
| Net charge-offs to loans | 0.0260% | 5,023 |
| Credit loss provision to net charge-offs | 2,384.6154% | 128 |
| Earnings coverage of net charge-offs (x) | 116.6923% | 374 |
| Efficiency ratio | 64.3227% | 4,831 |
| Assets per employee ($millions) | 4.3208% | 3,222 |
| Cash dividends to net income (ytd only)* | 23.8474% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5952% | 3,623 |
| Loan loss allowance to noncurrent loans | 135.6962% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.8854% | 4,599 |
| Noncurrent loans to loans | 1.1756% | 4,187 |
| Net loans and leases to total assets | 48.8445% | 5,511 |
| Net loans and leases to deposits | 63.1824% | 4,855 |
| Net loans and leases to core deposits | 70.2458% | 4,509 |
| Total domestic deposits to total assets | 77.3071% | 6,278 |
| Equity capital to assets | 9.2748% | 5,354 |
| Core capital (leverage) ratio | 8.3421% | 5,857 |
| Tier 1 risk-based capital ratio | 12.9895% | 5,200 |
| Total risk-based capital ratio | 14.2316% | 5,172 |
| Memoranda: | ||
| Average total assets | $200,762,330 | 3,073 |
| Average earning assets | $184,522,000 | 3,066 |
| Average equity | $17,888,000 | 3,516 |
| Average total loans | $100,163,330 | 3,567 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4842% | 782 |
| Cost of funding earning assets | 1.5864% | 198 |
| Net interest margin | 3.8978% | 2,935 |
| Noninterest income to average assets | 0.5651% | 3,458 |
| Noninterest expense to average assets | 2.8256% | 3,924 |
| Loan and lease loss provision to assets | 0.3707% | 1,703 |
| Net operating income to assets | 0.6993% | 3,882 |
| Return on assets (ROA) | 1.2144% | 1,880 |
| Pretax return on assets | 1.6933% | 1,319 |
| Return on Equity (ROE) | 13.9194% | 1,204 |
| Retained earnings to average equity (ytd only) | 13.9194% | 574 |
| Net charge-offs to loans | 0.1042% | 3,505 |
| Credit loss provision to net charge-offs | 711.5385% | 494 |
| Earnings coverage of net charge-offs (x) | 25.8846% | 1,015 |
| Efficiency ratio | 67.6908% | 4,235 |
| Assets per employee ($millions) | 4.3593% | 3,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4768% | 4,271 |
| Loan loss allowance to noncurrent loans | 78.6938% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 1.0343% | 4,428 |
| Noncurrent loans to loans | 1.8767% | 3,305 |
| Net loans and leases to total assets | 48.9051% | 5,443 |
| Net loans and leases to deposits | 62.8506% | 4,791 |
| Net loans and leases to core deposits | 69.9085% | 4,438 |
| Total domestic deposits to total assets | 77.8117% | 6,291 |
| Equity capital to assets | 8.8481% | 5,696 |
| Core capital (leverage) ratio | 8.2639% | 5,936 |
| Tier 1 risk-based capital ratio | 13.0408% | 5,187 |
| Total risk-based capital ratio | 14.2053% | 5,220 |
| Memoranda: | ||
| Average total assets | $199,605,000 | 3,107 |
| Average earning assets | $184,823,000 | 3,082 |
| Average equity | $17,414,500 | 3,590 |
| Average total loans | $99,845,000 | 3,601 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0167% | 422 |
| Cost of funding earning assets | 1.8163% | 201 |
| Net interest margin | 4.2004% | 2,058 |
| Noninterest income to average assets | 0.6042% | 3,141 |
| Noninterest expense to average assets | 2.9222% | 3,871 |
| Loan and lease loss provision to assets | 0.4508% | 2,348 |
| Net operating income to assets | 0.8248% | 2,932 |
| Return on assets (ROA) | 0.9799% | 2,417 |
| Pretax return on assets | 1.2872% | 2,184 |
| Return on Equity (ROE) | 12.6783% | 1,237 |
| Retained earnings to average equity (ytd only) | 8.6556% | 893 |
| Net charge-offs to loans | 1.1879% | 1,420 |
| Credit loss provision to net charge-offs | 75.5864% | 4,653 |
| Earnings coverage of net charge-offs (x) | 2.5717% | 3,931 |
| Efficiency ratio | 65.5774% | 4,852 |
| Assets per employee ($millions) | 4.1392% | 3,570 |
| Cash dividends to net income (ytd only)* | 31.7292% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3090% | 4,861 |
| Loan loss allowance to noncurrent loans | 53.8177% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 1.3932% | 3,906 |
| Noncurrent loans to loans | 2.4323% | 2,700 |
| Net loans and leases to total assets | 49.7481% | 5,622 |
| Net loans and leases to deposits | 63.8559% | 5,035 |
| Net loans and leases to core deposits | 70.9232% | 4,659 |
| Total domestic deposits to total assets | 77.9068% | 6,213 |
| Equity capital to assets | 8.5997% | 6,013 |
| Core capital (leverage) ratio | 8.0807% | 6,163 |
| Tier 1 risk-based capital ratio | 12.3581% | 5,575 |
| Total risk-based capital ratio | 13.3798% | 5,723 |
| Memoranda: | ||
| Average total assets | $192,970,000 | 3,144 |
| Average earning assets | $176,957,800 | 3,127 |
| Average equity | $14,915,200 | 3,928 |
| Average total loans | $96,889,600 | 3,703 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1335% | 372 |
| Cost of funding earning assets | 1.8664% | 202 |
| Net interest margin | 4.2670% | 1,841 |
| Noninterest income to average assets | 0.5771% | 3,322 |
| Noninterest expense to average assets | 2.9034% | 3,919 |
| Loan and lease loss provision to assets | 0.4733% | 2,097 |
| Net operating income to assets | 0.8343% | 3,002 |
| Return on assets (ROA) | 1.0400% | 2,332 |
| Pretax return on assets | 1.3782% | 2,014 |
| Return on Equity (ROE) | 13.8595% | 1,064 |
| Retained earnings to average equity (ytd only) | 11.0764% | 621 |
| Net charge-offs to loans | 1.0172% | 1,582 |
| Credit loss provision to net charge-offs | 92.7694% | 3,676 |
| Earnings coverage of net charge-offs (x) | 3.0914% | 3,586 |
| Efficiency ratio | 64.7973% | 4,935 |
| Assets per employee ($millions) | 4.1200% | 3,600 |
| Cash dividends to net income (ytd only)* | 20.0803% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5592% | 3,849 |
| Loan loss allowance to noncurrent loans | 65.3781% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 1.3734% | 4,075 |
| Noncurrent loans to loans | 2.3850% | 2,903 |
| Net loans and leases to total assets | 49.1315% | 5,819 |
| Net loans and leases to deposits | 63.3851% | 5,249 |
| Net loans and leases to core deposits | 70.4151% | 4,900 |
| Total domestic deposits to total assets | 77.5128% | 6,293 |
| Equity capital to assets | 8.6594% | 6,131 |
| Core capital (leverage) ratio | 8.2548% | 6,049 |
| Tier 1 risk-based capital ratio | 12.4790% | 5,503 |
| Total risk-based capital ratio | 13.6977% | 5,533 |
| Memoranda: | ||
| Average total assets | $191,542,250 | 3,180 |
| Average earning assets | $175,230,750 | 3,169 |
| Average equity | $14,372,500 | 4,058 |
| Average total loans | $96,074,250 | 3,755 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2136% | 326 |
| Cost of funding earning assets | 1.9149% | 191 |
| Net interest margin | 4.2987% | 1,662 |
| Noninterest income to average assets | 0.5658% | 3,364 |
| Noninterest expense to average assets | 2.8933% | 4,044 |
| Loan and lease loss provision to assets | 0.4750% | 2,087 |
| Net operating income to assets | 0.8472% | 2,870 |
| Return on assets (ROA) | 0.9194% | 2,655 |
| Pretax return on assets | 1.2118% | 2,435 |
| Return on Equity (ROE) | 12.9469% | 1,212 |
| Retained earnings to average equity (ytd only) | 8.4876% | 1,266 |
| Net charge-offs to loans | 0.3361% | 3,220 |
| Credit loss provision to net charge-offs | 281.2500% | 1,085 |
| Earnings coverage of net charge-offs (x) | 9.4250% | 1,925 |
| Efficiency ratio | 64.5093% | 5,145 |
| Assets per employee ($millions) | 3.9376% | 3,901 |
| Cash dividends to net income (ytd only)* | 34.4432% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9213% | 2,605 |
| Loan loss allowance to noncurrent loans | 62.0917% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 1.7845% | 3,531 |
| Noncurrent loans to loans | 3.0943% | 2,327 |
| Net loans and leases to total assets | 49.7935% | 5,848 |
| Net loans and leases to deposits | 63.7539% | 5,311 |
| Net loans and leases to core deposits | 69.2980% | 5,149 |
| Total domestic deposits to total assets | 78.1026% | 6,268 |
| Equity capital to assets | 7.9387% | 6,722 |
| Core capital (leverage) ratio | 7.9363% | 6,374 |
| Tier 1 risk-based capital ratio | 11.7929% | 5,943 |
| Total risk-based capital ratio | 13.0456% | 5,929 |
| Memoranda: | ||
| Average total assets | $189,469,330 | 3,232 |
| Average earning assets | $172,751,000 | 3,227 |
| Average equity | $13,455,000 | 4,237 |
| Average total loans | $95,198,330 | 3,813 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1296% | 379 |
| Cost of funding earning assets | 1.9604% | 189 |
| Net interest margin | 4.1693% | 2,001 |
| Noninterest income to average assets | 0.6456% | 2,873 |
| Noninterest expense to average assets | 2.8913% | 4,093 |
| Loan and lease loss provision to assets | 0.4901% | 1,793 |
| Net operating income to assets | 0.8288% | 2,888 |
| Return on assets (ROA) | 0.8288% | 2,949 |
| Pretax return on assets | 1.0526% | 2,933 |
| Return on Equity (ROE) | 12.4241% | 1,346 |
| Retained earnings to average equity (ytd only) | 12.4241% | 672 |
| Net charge-offs to loans | 0.3453% | 2,679 |
| Credit loss provision to net charge-offs | 283.9506% | 1,121 |
| Earnings coverage of net charge-offs (x) | 8.9383% | 1,772 |
| Efficiency ratio | 65.2090% | 5,166 |
| Assets per employee ($millions) | 3.9567% | 3,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8335% | 2,911 |
| Loan loss allowance to noncurrent loans | 53.0469% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 1.9003% | 3,436 |
| Noncurrent loans to loans | 3.4564% | 2,163 |
| Net loans and leases to total assets | 49.0801% | 5,950 |
| Net loans and leases to deposits | 62.1199% | 5,482 |
| Net loans and leases to core deposits | 67.7048% | 5,328 |
| Total domestic deposits to total assets | 79.0088% | 6,187 |
| Equity capital to assets | 6.9123% | 7,108 |
| Core capital (leverage) ratio | 8.0050% | 6,254 |
| Tier 1 risk-based capital ratio | 11.7214% | 5,922 |
| Total risk-based capital ratio | 12.9731% | 5,921 |
| Memoranda: | ||
| Average total assets | $187,733,500 | 3,268 |
| Average earning assets | $170,581,500 | 3,295 |
| Average equity | $12,524,000 | 4,443 |
| Average total loans | $93,820,500 | 3,884 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1958% | 566 |
| Cost of funding earning assets | 2.2121% | 295 |
| Net interest margin | 3.9836% | 3,086 |
| Noninterest income to average assets | 0.6141% | 3,384 |
| Noninterest expense to average assets | 2.7261% | 4,871 |
| Loan and lease loss provision to assets | 0.6010% | 2,730 |
| Net operating income to assets | 0.7255% | 3,121 |
| Return on assets (ROA) | 0.7993% | 2,936 |
| Pretax return on assets | 1.0156% | 2,877 |
| Return on Equity (ROE) | 10.7523% | 1,660 |
| Retained earnings to average equity (ytd only) | 7.0776% | 1,288 |
| Net charge-offs to loans | 0.7533% | 2,760 |
| Credit loss provision to net charge-offs | 161.2903% | 2,159 |
| Earnings coverage of net charge-offs (x) | 4.0880% | 3,072 |
| Efficiency ratio | 64.1553% | 5,325 |
| Assets per employee ($millions) | 3.9478% | 3,893 |
| Cash dividends to net income (ytd only)* | 34.1763% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7176% | 3,144 |
| Loan loss allowance to noncurrent loans | 46.1182% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 2.1030% | 3,214 |
| Noncurrent loans to loans | 3.7244% | 1,992 |
| Net loans and leases to total assets | 49.0954% | 6,265 |
| Net loans and leases to deposits | 62.0891% | 5,841 |
| Net loans and leases to core deposits | 70.4713% | 5,403 |
| Total domestic deposits to total assets | 79.0725% | 6,063 |
| Equity capital to assets | 6.4243% | 7,271 |
| Core capital (leverage) ratio | 7.7514% | 6,496 |
| Tier 1 risk-based capital ratio | 11.6116% | 5,805 |
| Total risk-based capital ratio | 12.8615% | 5,814 |
| Memoranda: | ||
| Average total assets | $183,042,200 | 3,326 |
| Average earning assets | $167,033,400 | 3,340 |
| Average equity | $13,606,400 | 4,235 |
| Average total loans | $90,535,600 | 4,036 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2452% | 562 |
| Cost of funding earning assets | 2.2438% | 329 |
| Net interest margin | 4.0013% | 3,103 |
| Noninterest income to average assets | 0.5482% | 3,807 |
| Noninterest expense to average assets | 2.6934% | 4,909 |
| Loan and lease loss provision to assets | 0.4985% | 2,970 |
| Net operating income to assets | 0.7167% | 3,339 |
| Return on assets (ROA) | 0.8055% | 3,126 |
| Pretax return on assets | 1.1373% | 2,706 |
| Return on Equity (ROE) | 10.4741% | 1,949 |
| Retained earnings to average equity (ytd only) | 8.0979% | 1,393 |
| Net charge-offs to loans | 0.5867% | 2,980 |
| Credit loss provision to net charge-offs | 172.2222% | 2,147 |
| Earnings coverage of net charge-offs (x) | 5.2197% | 2,808 |
| Efficiency ratio | 64.0647% | 5,226 |
| Assets per employee ($millions) | 4.0267% | 3,781 |
| Cash dividends to net income (ytd only)* | 22.6863% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6056% | 3,502 |
| Loan loss allowance to noncurrent loans | 73.8866% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 1.5429% | 4,134 |
| Noncurrent loans to loans | 2.1731% | 3,477 |
| Net loans and leases to total assets | 47.2746% | 6,581 |
| Net loans and leases to deposits | 61.1119% | 6,204 |
| Net loans and leases to core deposits | 69.5250% | 5,796 |
| Total domestic deposits to total assets | 77.3574% | 6,405 |
| Equity capital to assets | 8.2144% | 6,600 |
| Core capital (leverage) ratio | 7.7852% | 6,583 |
| Tier 1 risk-based capital ratio | 11.9483% | 5,510 |
| Total risk-based capital ratio | 13.1551% | 5,523 |
| Memoranda: | ||
| Average total assets | $182,416,500 | 3,389 |
| Average earning assets | $166,674,000 | 3,378 |
| Average equity | $14,028,000 | 4,192 |
| Average total loans | $89,998,000 | 4,116 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2496% | 566 |
| Cost of funding earning assets | 2.2693% | 374 |
| Net interest margin | 3.9803% | 3,113 |
| Noninterest income to average assets | 0.5607% | 3,625 |
| Noninterest expense to average assets | 2.7090% | 4,867 |
| Loan and lease loss provision to assets | 0.5407% | 2,618 |
| Net operating income to assets | 0.6403% | 3,678 |
| Return on assets (ROA) | 0.7694% | 3,259 |
| Pretax return on assets | 1.1347% | 2,655 |
| Return on Equity (ROE) | 10.2500% | 2,007 |
| Retained earnings to average equity (ytd only) | 6.5523% | 2,054 |
| Net charge-offs to loans | 0.7403% | 2,382 |
| Credit loss provision to net charge-offs | 146.6867% | 2,693 |
| Earnings coverage of net charge-offs (x) | 4.0301% | 3,084 |
| Efficiency ratio | 64.5844% | 5,230 |
| Assets per employee ($millions) | 3.8348% | 4,140 |
| Cash dividends to net income (ytd only)* | 36.0750% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4748% | 4,041 |
| Loan loss allowance to noncurrent loans | 68.7532% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 1.6265% | 4,003 |
| Noncurrent loans to loans | 2.1450% | 3,534 |
| Net loans and leases to total assets | 48.2352% | 6,608 |
| Net loans and leases to deposits | 62.1392% | 6,223 |
| Net loans and leases to core deposits | 70.8036% | 5,793 |
| Total domestic deposits to total assets | 77.6244% | 6,362 |
| Equity capital to assets | 7.7247% | 6,981 |
| Core capital (leverage) ratio | 7.7418% | 6,566 |
| Tier 1 risk-based capital ratio | 12.0224% | 5,292 |
| Total risk-based capital ratio | 13.1599% | 5,365 |
| Memoranda: | ||
| Average total assets | $180,137,330 | 3,442 |
| Average earning assets | $164,459,000 | 3,432 |
| Average equity | $13,522,000 | 4,314 |
| Average total loans | $89,687,670 | 4,149 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2416% | 585 |
| Cost of funding earning assets | 2.3252% | 397 |
| Net interest margin | 3.9164% | 3,256 |
| Noninterest income to average assets | 0.5837% | 3,384 |
| Noninterest expense to average assets | 2.6873% | 4,967 |
| Loan and lease loss provision to assets | 0.5882% | 2,152 |
| Net operating income to assets | 0.7005% | 3,442 |
| Return on assets (ROA) | 0.7005% | 3,554 |
| Pretax return on assets | 0.8778% | 3,549 |
| Return on Equity (ROE) | 9.4736% | 2,304 |
| Retained earnings to average equity (ytd only) | 9.4736% | 1,276 |
| Net charge-offs to loans | 0.4247% | 2,774 |
| Credit loss provision to net charge-offs | 275.7895% | 1,437 |
| Earnings coverage of net charge-offs (x) | 6.8737% | 2,155 |
| Efficiency ratio | 64.7027% | 5,352 |
| Assets per employee ($millions) | 3.8492% | 4,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4963% | 3,928 |
| Loan loss allowance to noncurrent loans | 47.8075% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 1.7710% | 3,831 |
| Noncurrent loans to loans | 3.1298% | 2,565 |
| Net loans and leases to total assets | 48.7975% | 6,592 |
| Net loans and leases to deposits | 62.7134% | 6,208 |
| Net loans and leases to core deposits | 71.4450% | 5,779 |
| Total domestic deposits to total assets | 77.8103% | 6,367 |
| Equity capital to assets | 7.4157% | 7,127 |
| Core capital (leverage) ratio | 7.8333% | 6,457 |
| Tier 1 risk-based capital ratio | 12.1378% | 5,047 |
| Total risk-based capital ratio | 13.3075% | 5,105 |
| Memoranda: | ||
| Average total assets | $178,170,500 | 3,520 |
| Average earning assets | $162,395,000 | 3,519 |
| Average equity | $13,173,500 | 4,437 |
| Average total loans | $89,473,500 | 4,208 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6384% | 523 |
| Cost of funding earning assets | 2.8406% | 389 |
| Net interest margin | 3.7978% | 3,714 |
| Noninterest income to average assets | 0.6801% | 3,087 |
| Noninterest expense to average assets | 2.8712% | 4,654 |
| Loan and lease loss provision to assets | 0.5394% | 3,670 |
| Net operating income to assets | 0.6838% | 3,000 |
| Return on assets (ROA) | 0.7200% | 2,929 |
| Pretax return on assets | 0.7558% | 3,388 |
| Return on Equity (ROE) | 9.6209% | 1,810 |
| Retained earnings to average equity (ytd only) | 5.6387% | 1,509 |
| Net charge-offs to loans | 0.5540% | 3,565 |
| Credit loss provision to net charge-offs | 186.5979% | 2,173 |
| Earnings coverage of net charge-offs (x) | 4.3485% | 2,979 |
| Efficiency ratio | 69.5495% | 4,725 |
| Assets per employee ($millions) | 3.8137% | 4,253 |
| Cash dividends to net income (ytd only)* | 41.3907% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3143% | 4,677 |
| Loan loss allowance to noncurrent loans | 38.9774% | 5,815 |
| Noncurrent assets plus other real estate owned to assets | 1.9438% | 3,463 |
| Noncurrent loans to loans | 3.3720% | 2,265 |
| Net loans and leases to total assets | 50.2491% | 6,615 |
| Net loans and leases to deposits | 64.9564% | 6,164 |
| Net loans and leases to core deposits | 99.8335% | 4,018 |
| Total domestic deposits to total assets | 77.3582% | 6,377 |
| Equity capital to assets | 7.3711% | 7,146 |
| Core capital (leverage) ratio | 7.7288% | 6,527 |
| Tier 1 risk-based capital ratio | 11.9543% | 4,981 |
| Total risk-based capital ratio | 12.9860% | 5,129 |
| Memoranda: | ||
| Average total assets | $167,768,600 | 3,643 |
| Average earning assets | $152,325,600 | 3,671 |
| Average equity | $12,556,000 | 4,617 |
| Average total loans | $87,541,600 | 4,285 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6938% | 514 |
| Cost of funding earning assets | 2.9188% | 426 |
| Net interest margin | 3.7750% | 3,759 |
| Noninterest income to average assets | 0.5700% | 3,925 |
| Noninterest expense to average assets | 2.8048% | 4,876 |
| Loan and lease loss provision to assets | 0.4172% | 3,820 |
| Net operating income to assets | 0.6158% | 3,551 |
| Return on assets (ROA) | 0.6158% | 3,599 |
| Pretax return on assets | 0.7717% | 3,621 |
| Return on Equity (ROE) | 8.1952% | 2,562 |
| Retained earnings to average equity (ytd only) | 3.9157% | 3,095 |
| Net charge-offs to loans | 0.4853% | 3,286 |
| Credit loss provision to net charge-offs | 163.7224% | 2,872 |
| Earnings coverage of net charge-offs (x) | 4.6656% | 3,047 |
| Efficiency ratio | 70.2295% | 4,545 |
| Assets per employee ($millions) | 3.7710% | 4,258 |
| Cash dividends to net income (ytd only)* | 52.2192% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0916% | 5,782 |
| Loan loss allowance to noncurrent loans | 49.3802% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 1.2870% | 4,503 |
| Noncurrent loans to loans | 2.2105% | 3,365 |
| Net loans and leases to total assets | 48.8750% | 6,878 |
| Net loans and leases to deposits | 63.6181% | 6,529 |
| Net loans and leases to core deposits | 97.7235% | 4,639 |
| Total domestic deposits to total assets | 76.8255% | 6,386 |
| Equity capital to assets | 7.7608% | 7,076 |
| Core capital (leverage) ratio | 7.6924% | 6,743 |
| Tier 1 risk-based capital ratio | 12.0255% | 4,952 |
| Total risk-based capital ratio | 12.8924% | 5,233 |
| Memoranda: | ||
| Average total assets | $165,853,750 | 3,696 |
| Average earning assets | $150,423,750 | 3,718 |
| Average equity | $12,462,250 | 4,666 |
| Average total loans | $87,095,750 | 4,336 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6785% | 564 |
| Cost of funding earning assets | 2.9990% | 477 |
| Net interest margin | 3.6795% | 4,043 |
| Noninterest income to average assets | 0.5689% | 3,903 |
| Noninterest expense to average assets | 2.8224% | 4,864 |
| Loan and lease loss provision to assets | 0.3406% | 3,895 |
| Net operating income to assets | 0.5874% | 3,730 |
| Return on assets (ROA) | 0.5874% | 3,838 |
| Pretax return on assets | 0.7294% | 3,903 |
| Return on Equity (ROE) | 7.9127% | 2,812 |
| Retained earnings to average equity (ytd only) | 1.2634% | 4,641 |
| Net charge-offs to loans | 0.2876% | 3,756 |
| Credit loss provision to net charge-offs | 220.8000% | 2,081 |
| Earnings coverage of net charge-offs (x) | 6.9360% | 2,528 |
| Efficiency ratio | 72.5111% | 4,307 |
| Assets per employee ($millions) | 3.5895% | 4,597 |
| Cash dividends to net income (ytd only)* | 84.0336% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0445% | 5,946 |
| Loan loss allowance to noncurrent loans | 54.5838% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 1.1464% | 4,651 |
| Noncurrent loans to loans | 1.9136% | 3,650 |
| Net loans and leases to total assets | 50.8210% | 6,796 |
| Net loans and leases to deposits | 65.9371% | 6,400 |
| Net loans and leases to core deposits | 95.6193% | 4,946 |
| Total domestic deposits to total assets | 77.0749% | 6,308 |
| Equity capital to assets | 6.8889% | 7,665 |
| Core capital (leverage) ratio | 8.0100% | 6,310 |
| Tier 1 risk-based capital ratio | 11.9940% | 4,923 |
| Total risk-based capital ratio | 12.8308% | 5,236 |
| Memoranda: | ||
| Average total assets | $162,059,000 | 3,781 |
| Average earning assets | $146,380,330 | 3,810 |
| Average equity | $12,031,330 | 4,809 |
| Average total loans | $86,934,000 | 4,365 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8040% | 478 |
| Cost of funding earning assets | 3.1164% | 438 |
| Net interest margin | 3.6876% | 3,946 |
| Noninterest income to average assets | 0.6300% | 3,352 |
| Noninterest expense to average assets | 2.7669% | 4,709 |
| Loan and lease loss provision to assets | 0.3301% | 3,341 |
| Net operating income to assets | 0.6980% | 3,568 |
| Return on assets (ROA) | 0.6980% | 3,757 |
| Pretax return on assets | 0.8517% | 3,884 |
| Return on Equity (ROE) | 9.0552% | 2,691 |
| Retained earnings to average equity (ytd only) | 9.0552% | 1,463 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0702% | 4,562 |
| Assets per employee ($millions) | 3.5491% | 4,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0216% | 6,025 |
| Loan loss allowance to noncurrent loans | 51.4236% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 1.1602% | 4,352 |
| Noncurrent loans to loans | 1.9867% | 3,281 |
| Net loans and leases to total assets | 53.6861% | 6,506 |
| Net loans and leases to deposits | 70.8451% | 5,888 |
| Net loans and leases to core deposits | 103.5157% | 4,189 |
| Total domestic deposits to total assets | 75.7795% | 6,557 |
| Equity capital to assets | 7.5250% | 7,331 |
| Core capital (leverage) ratio | 8.2670% | 5,969 |
| Tier 1 risk-based capital ratio | 12.6172% | 4,459 |
| Total risk-based capital ratio | 13.4649% | 4,687 |
| Memoranda: | ||
| Average total assets | $158,735,500 | 3,853 |
| Average earning assets | $142,856,500 | 3,901 |
| Average equity | $12,236,000 | 4,774 |
| Average total loans | $87,079,500 | 4,386 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2544% | 655 |
| Cost of funding earning assets | 3.4991% | 521 |
| Net interest margin | 3.7552% | 4,206 |
| Noninterest income to average assets | 0.7408% | 2,837 |
| Noninterest expense to average assets | 2.9142% | 4,399 |
| Loan and lease loss provision to assets | 0.3498% | 3,599 |
| Net operating income to assets | 0.6963% | 3,908 |
| Return on assets (ROA) | 0.7604% | 3,457 |
| Pretax return on assets | 0.9402% | 3,587 |
| Return on Equity (ROE) | 9.5220% | 2,430 |
| Retained earnings to average equity (ytd only) | 6.2470% | 1,406 |
| Net charge-offs to loans | 0.6315% | 1,948 |
| Credit loss provision to net charge-offs | 101.3258% | 5,245 |
| Earnings coverage of net charge-offs (x) | 3.5076% | 4,332 |
| Efficiency ratio | 70.6451% | 4,213 |
| Assets per employee ($millions) | 3.5058% | 4,641 |
| Cash dividends to net income (ytd only)* | 34.3938% | 3,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8614% | 6,844 |
| Loan loss allowance to noncurrent loans | 53.7803% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 0.9723% | 4,403 |
| Noncurrent loans to loans | 1.6017% | 3,369 |
| Net loans and leases to total assets | 55.0059% | 6,546 |
| Net loans and leases to deposits | 73.2170% | 5,929 |
| Net loans and leases to core deposits | 108.7920% | 3,884 |
| Total domestic deposits to total assets | 75.1272% | 6,425 |
| Equity capital to assets | 7.8941% | 6,979 |
| Core capital (leverage) ratio | 8.2481% | 6,059 |
| Tier 1 risk-based capital ratio | 12.4646% | 4,462 |
| Total risk-based capital ratio | 13.1934% | 4,748 |
| Memoranda: | ||
| Average total assets | $152,940,200 | 3,845 |
| Average earning assets | $137,834,000 | 3,896 |
| Average equity | $12,213,800 | 4,774 |
| Average total loans | $83,612,400 | 4,410 |