Home > The First National Bank and Trust Company of Vinita > Performance and Condition Ratios
The First National Bank and Trust Company of Vinita, Performance and Condition Ratios
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9579% | 1,683 |
| Cost of funding earning assets | 0.3279% | 2,726 |
| Net interest margin | 3.6300% | 1,502 |
| Noninterest income to average assets | 0.7808% | 1,633 |
| Noninterest expense to average assets | 4.5062% | 209 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.3376% | 4,868 |
| Return on assets (ROA) | -0.3376% | 4,872 |
| Pretax return on assets | -0.3376% | 4,866 |
| Return on Equity (ROE) | -3.7995% | 4,891 |
| Retained earnings to average equity (ytd only) | -3.7995% | 4,638 |
| Net charge-offs to loans | -1.6970% | 4,927 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.0974% | 121 |
| Assets per employee ($millions) | 3.9761% | 4,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9065% | 43 |
| Loan loss allowance to noncurrent loans | 81.8235% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 4.6092% | 43 |
| Noncurrent loans to loans | 5.9965% | 58 |
| Net loans and leases to total assets | 64.2185% | 2,014 |
| Net loans and leases to deposits | 70.5226% | 2,456 |
| Net loans and leases to core deposits | 73.3024% | 2,581 |
| Total domestic deposits to total assets | 91.0609% | 381 |
| Equity capital to assets | 8.6081% | 4,040 |
| Core capital (leverage) ratio | 8.3507% | 4,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2003% | 3,047 |
| Memoranda: | ||
| Average total assets | $291,512,000 | 2,478 |
| Average earning assets | $272,063,500 | 2,478 |
| Average equity | $25,898,000 | 2,801 |
| Average total loans | $205,302,500 | 2,243 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6473% | 999 |
| Cost of funding earning assets | 0.8871% | 892 |
| Net interest margin | 3.7602% | 1,615 |
| Noninterest income to average assets | 0.6698% | 1,954 |
| Noninterest expense to average assets | 3.7866% | 467 |
| Loan and lease loss provision to assets | 3.1076% | 16 |
| Net operating income to assets | -2.6944% | 4,972 |
| Return on assets (ROA) | -2.6663% | 4,971 |
| Pretax return on assets | -2.6663% | 4,973 |
| Return on Equity (ROE) | -31.4249% | 4,989 |
| Retained earnings to average equity (ytd only) | -31.4249% | 4,979 |
| Net charge-offs to loans | 2.3784% | 39 |
| Credit loss provision to net charge-offs | 189.6783% | 2,209 |
| Earnings coverage of net charge-offs (x) | 0.2522% | 3,329 |
| Efficiency ratio | 90.1613% | 373 |
| Assets per employee ($millions) | 3.5602% | 4,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3065% | 59 |
| Loan loss allowance to noncurrent loans | 86.0143% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 4.3431% | 52 |
| Noncurrent loans to loans | 5.0067% | 92 |
| Net loans and leases to total assets | 70.2943% | 1,522 |
| Net loans and leases to deposits | 77.6911% | 2,103 |
| Net loans and leases to core deposits | 80.6677% | 2,303 |
| Total domestic deposits to total assets | 90.4791% | 386 |
| Equity capital to assets | 9.1729% | 3,914 |
| Core capital (leverage) ratio | 8.2461% | 4,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2826% | 3,050 |
| Memoranda: | ||
| Average total assets | $345,345,600 | 2,075 |
| Average earning assets | $324,211,200 | 2,062 |
| Average equity | $29,301,600 | 2,520 |
| Average total loans | $237,890,200 | 1,981 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7375% | 989 |
| Cost of funding earning assets | 0.9934% | 776 |
| Net interest margin | 3.7441% | 1,783 |
| Noninterest income to average assets | 0.7328% | 1,693 |
| Noninterest expense to average assets | 3.5771% | 636 |
| Loan and lease loss provision to assets | 3.6195% | 17 |
| Net operating income to assets | -2.9408% | 5,005 |
| Return on assets (ROA) | -2.9053% | 5,005 |
| Pretax return on assets | -2.9053% | 5,003 |
| Return on Equity (ROE) | -34.8445% | 5,019 |
| Retained earnings to average equity (ytd only) | -34.8445% | 5,010 |
| Net charge-offs to loans | 3.1170% | 31 |
| Credit loss provision to net charge-offs | 170.8275% | 2,229 |
| Earnings coverage of net charge-offs (x) | 0.3204% | 3,134 |
| Efficiency ratio | 84.0504% | 597 |
| Assets per employee ($millions) | 3.8314% | 4,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5553% | 88 |
| Loan loss allowance to noncurrent loans | 78.3090% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 3.6987% | 95 |
| Noncurrent loans to loans | 4.5401% | 130 |
| Net loans and leases to total assets | 68.1836% | 2,212 |
| Net loans and leases to deposits | 74.8417% | 2,870 |
| Net loans and leases to core deposits | 83.7583% | 2,501 |
| Total domestic deposits to total assets | 91.1039% | 153 |
| Equity capital to assets | 8.5820% | 4,416 |
| Core capital (leverage) ratio | 7.8196% | 4,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1982% | 3,072 |
| Memoranda: | ||
| Average total assets | $360,435,000 | 1,976 |
| Average earning assets | $339,156,750 | 1,961 |
| Average equity | $30,052,750 | 2,471 |
| Average total loans | $245,015,000 | 1,951 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7351% | 1,319 |
| Cost of funding earning assets | 1.1437% | 624 |
| Net interest margin | 3.5913% | 2,512 |
| Noninterest income to average assets | 0.7101% | 1,702 |
| Noninterest expense to average assets | 3.2212% | 1,120 |
| Loan and lease loss provision to assets | 4.8785% | 17 |
| Net operating income to assets | -4.0013% | 5,043 |
| Return on assets (ROA) | -3.9586% | 5,044 |
| Pretax return on assets | -3.9586% | 5,040 |
| Return on Equity (ROE) | -47.8734% | 5,056 |
| Retained earnings to average equity (ytd only) | -47.8734% | 5,047 |
| Net charge-offs to loans | 3.6036% | 27 |
| Credit loss provision to net charge-offs | 201.4330% | 1,906 |
| Earnings coverage of net charge-offs (x) | 0.3622% | 2,928 |
| Efficiency ratio | 78.5956% | 997 |
| Assets per employee ($millions) | 4.1839% | 4,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4467% | 94 |
| Loan loss allowance to noncurrent loans | 86.4156% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 3.2439% | 132 |
| Noncurrent loans to loans | 3.9885% | 170 |
| Net loans and leases to total assets | 68.8673% | 2,204 |
| Net loans and leases to deposits | 75.0812% | 2,962 |
| Net loans and leases to core deposits | 86.7715% | 2,373 |
| Total domestic deposits to total assets | 91.7238% | 69 |
| Equity capital to assets | 8.1175% | 4,665 |
| Core capital (leverage) ratio | 6.9181% | 5,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.1664% | 3,200 |
| Memoranda: | ||
| Average total assets | $374,579,000 | 1,906 |
| Average earning assets | $353,405,667 | 1,882 |
| Average equity | $30,973,333 | 2,411 |
| Average total loans | $251,747,000 | 1,891 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8576% | 1,293 |
| Cost of funding earning assets | 1.3384% | 500 |
| Net interest margin | 3.5193% | 2,917 |
| Noninterest income to average assets | 0.6934% | 1,677 |
| Noninterest expense to average assets | 3.0693% | 1,719 |
| Loan and lease loss provision to assets | 2.4470% | 49 |
| Net operating income to assets | -1.4960% | 5,023 |
| Return on assets (ROA) | -1.4290% | 5,006 |
| Pretax return on assets | -1.4290% | 4,990 |
| Return on Equity (ROE) | -17.1417% | 5,046 |
| Retained earnings to average equity (ytd only) | -17.1417% | 4,928 |
| Net charge-offs to loans | -0.3357% | 4,992 |
| Credit loss provision to net charge-offs | -1,115.0235% | 3,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3455% | 1,526 |
| Assets per employee ($millions) | 4.3321% | 3,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6182% | 210 |
| Loan loss allowance to noncurrent loans | 55.8705% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 3.4353% | 143 |
| Noncurrent loans to loans | 4.6862% | 143 |
| Net loans and leases to total assets | 62.9364% | 3,195 |
| Net loans and leases to deposits | 68.8348% | 3,672 |
| Net loans and leases to core deposits | 79.0405% | 3,285 |
| Total domestic deposits to total assets | 91.4311% | 73 |
| Equity capital to assets | 8.4296% | 4,863 |
| Core capital (leverage) ratio | 7.7229% | 5,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1449% | 3,306 |
| Memoranda: | ||
| Average total assets | $388,237,500 | 1,812 |
| Average earning assets | $367,010,000 | 1,789 |
| Average equity | $32,365,500 | 2,337 |
| Average total loans | $253,777,000 | 1,837 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8902% | 1,781 |
| Cost of funding earning assets | 1.4461% | 472 |
| Net interest margin | 3.4442% | 3,609 |
| Noninterest income to average assets | 0.5267% | 2,595 |
| Noninterest expense to average assets | 2.8160% | 2,549 |
| Loan and lease loss provision to assets | 2.1474% | 39 |
| Net operating income to assets | -1.1552% | 5,104 |
| Return on assets (ROA) | -1.1054% | 5,107 |
| Pretax return on assets | -1.1054% | 5,103 |
| Return on Equity (ROE) | -13.0846% | 5,139 |
| Retained earnings to average equity (ytd only) | -19.6736% | 5,137 |
| Net charge-offs to loans | 3.2389% | 32 |
| Credit loss provision to net charge-offs | 106.3623% | 2,332 |
| Earnings coverage of net charge-offs (x) | 0.4915% | 3,612 |
| Efficiency ratio | 73.9452% | 1,609 |
| Assets per employee ($millions) | 4.3923% | 3,382 |
| Cash dividends to net income (ytd only)* | -50.3568% | 5,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5234% | 1,159 |
| Loan loss allowance to noncurrent loans | 27.8143% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 3.9839% | 103 |
| Noncurrent loans to loans | 5.4769% | 85 |
| Net loans and leases to total assets | 65.0874% | 3,061 |
| Net loans and leases to deposits | 71.9037% | 3,528 |
| Net loans and leases to core deposits | 88.4181% | 2,570 |
| Total domestic deposits to total assets | 90.5203% | 193 |
| Equity capital to assets | 8.2447% | 4,998 |
| Core capital (leverage) ratio | 7.5662% | 5,098 |
| Tier 1 risk-based capital ratio | 10.3839% | 5,051 |
| Total risk-based capital ratio | 11.6339% | 4,989 |
| Memoranda: | ||
| Average total assets | $443,744,000 | 1,582 |
| Average earning assets | $422,801,800 | 1,535 |
| Average equity | $37,486,800 | 2,030 |
| Average total loans | $276,604,200 | 1,707 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9561% | 1,662 |
| Cost of funding earning assets | 1.4615% | 466 |
| Net interest margin | 3.4945% | 3,577 |
| Noninterest income to average assets | 0.4782% | 2,860 |
| Noninterest expense to average assets | 2.7883% | 2,592 |
| Loan and lease loss provision to assets | 0.1132% | 1,721 |
| Net operating income to assets | 0.9080% | 3,317 |
| Return on assets (ROA) | 0.9690% | 3,167 |
| Pretax return on assets | 0.9690% | 3,690 |
| Return on Equity (ROE) | 11.4118% | 1,834 |
| Retained earnings to average equity (ytd only) | 3.8005% | 3,495 |
| Net charge-offs to loans | 0.2129% | 829 |
| Credit loss provision to net charge-offs | 86.4143% | 2,435 |
| Earnings coverage of net charge-offs (x) | 7.7951% | 2,714 |
| Efficiency ratio | 73.1924% | 1,673 |
| Assets per employee ($millions) | 4.8582% | 2,723 |
| Cash dividends to net income (ytd only)* | 66.6968% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 2,550 |
| Loan loss allowance to noncurrent loans | 55.3416% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 1.6094% | 649 |
| Noncurrent loans to loans | 2.1546% | 604 |
| Net loans and leases to total assets | 61.9473% | 3,501 |
| Net loans and leases to deposits | 70.6418% | 3,719 |
| Net loans and leases to core deposits | 89.1828% | 2,618 |
| Total domestic deposits to total assets | 87.6921% | 1,166 |
| Equity capital to assets | 9.2502% | 4,630 |
| Core capital (leverage) ratio | 9.0941% | 4,558 |
| Tier 1 risk-based capital ratio | 12.2059% | 4,305 |
| Total risk-based capital ratio | 13.2023% | 4,326 |
| Memoranda: | ||
| Average total assets | $456,950,250 | 1,536 |
| Average earning assets | $435,604,000 | 1,502 |
| Average equity | $38,801,000 | 1,997 |
| Average total loans | $281,161,500 | 1,697 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8509% | 1,908 |
| Cost of funding earning assets | 1.4691% | 421 |
| Net interest margin | 3.3818% | 3,950 |
| Noninterest income to average assets | 0.4520% | 2,949 |
| Noninterest expense to average assets | 2.7586% | 2,725 |
| Loan and lease loss provision to assets | 0.1108% | 1,687 |
| Net operating income to assets | 0.8049% | 3,634 |
| Return on assets (ROA) | 0.8240% | 3,626 |
| Pretax return on assets | 0.8240% | 4,037 |
| Return on Equity (ROE) | 9.9887% | 2,394 |
| Retained earnings to average equity (ytd only) | 2.9027% | 3,763 |
| Net charge-offs to loans | 0.2605% | 640 |
| Credit loss provision to net charge-offs | 69.5652% | 2,322 |
| Earnings coverage of net charge-offs (x) | 5.7473% | 2,622 |
| Efficiency ratio | 75.0766% | 1,507 |
| Assets per employee ($millions) | 5.0275% | 2,445 |
| Cash dividends to net income (ytd only)* | 70.9406% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1611% | 2,731 |
| Loan loss allowance to noncurrent loans | 52.8504% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 1.6427% | 649 |
| Noncurrent loans to loans | 2.1970% | 615 |
| Net loans and leases to total assets | 59.8852% | 3,741 |
| Net loans and leases to deposits | 65.6612% | 4,120 |
| Net loans and leases to core deposits | 84.1412% | 3,095 |
| Total domestic deposits to total assets | 91.2033% | 83 |
| Equity capital to assets | 8.6328% | 4,993 |
| Core capital (leverage) ratio | 8.7833% | 4,790 |
| Tier 1 risk-based capital ratio | 11.9160% | 4,470 |
| Total risk-based capital ratio | 12.8869% | 4,511 |
| Memoranda: | ||
| Average total assets | $461,901,330 | 1,530 |
| Average earning assets | $440,122,670 | 1,492 |
| Average equity | $38,103,000 | 2,018 |
| Average total loans | $282,491,330 | 1,704 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8325% | 1,810 |
| Cost of funding earning assets | 1.4350% | 402 |
| Net interest margin | 3.3975% | 3,892 |
| Noninterest income to average assets | 0.4662% | 2,763 |
| Noninterest expense to average assets | 2.6820% | 2,958 |
| Loan and lease loss provision to assets | 0.1075% | 1,652 |
| Net operating income to assets | 0.9082% | 3,205 |
| Return on assets (ROA) | 0.9082% | 3,252 |
| Pretax return on assets | 0.9082% | 3,742 |
| Return on Equity (ROE) | 11.2718% | 1,835 |
| Retained earnings to average equity (ytd only) | 4.9798% | 2,919 |
| Net charge-offs to loans | 0.1848% | 753 |
| Credit loss provision to net charge-offs | 94.6565% | 1,676 |
| Earnings coverage of net charge-offs (x) | 8.9466% | 2,059 |
| Efficiency ratio | 72.5334% | 1,955 |
| Assets per employee ($millions) | 5.2071% | 2,280 |
| Cash dividends to net income (ytd only)* | 55.8206% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2065% | 2,540 |
| Loan loss allowance to noncurrent loans | 62.6913% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 1.5664% | 742 |
| Noncurrent loans to loans | 1.9246% | 784 |
| Net loans and leases to total assets | 59.3490% | 3,759 |
| Net loans and leases to deposits | 64.8512% | 4,133 |
| Net loans and leases to core deposits | 88.2668% | 2,656 |
| Total domestic deposits to total assets | 91.5157% | 99 |
| Equity capital to assets | 8.3624% | 5,057 |
| Core capital (leverage) ratio | 8.5930% | 4,952 |
| Tier 1 risk-based capital ratio | 12.0278% | 4,441 |
| Total risk-based capital ratio | 13.0418% | 4,475 |
| Memoranda: | ||
| Average total assets | $461,588,000 | 1,543 |
| Average earning assets | $439,023,500 | 1,510 |
| Average equity | $37,190,000 | 2,050 |
| Average total loans | $283,617,000 | 1,704 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6966% | 1,827 |
| Cost of funding earning assets | 1.0186% | 707 |
| Net interest margin | 3.6780% | 3,127 |
| Noninterest income to average assets | 0.5182% | 2,726 |
| Noninterest expense to average assets | 2.8346% | 2,567 |
| Loan and lease loss provision to assets | 0.1100% | 2,000 |
| Net operating income to assets | 1.0553% | 2,776 |
| Return on assets (ROA) | 1.0553% | 2,765 |
| Pretax return on assets | 1.0553% | 3,426 |
| Return on Equity (ROE) | 13.7646% | 1,114 |
| Retained earnings to average equity (ytd only) | 6.0773% | 2,155 |
| Net charge-offs to loans | 0.0714% | 2,095 |
| Credit loss provision to net charge-offs | 244.6701% | 1,214 |
| Earnings coverage of net charge-offs (x) | 25.9239% | 1,748 |
| Efficiency ratio | 70.8671% | 2,059 |
| Assets per employee ($millions) | 5.0521% | 2,432 |
| Cash dividends to net income (ytd only)* | 55.8486% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1654% | 2,742 |
| Loan loss allowance to noncurrent loans | 63.3898% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 1.6766% | 645 |
| Noncurrent loans to loans | 1.8384% | 764 |
| Net loans and leases to total assets | 62.0925% | 3,556 |
| Net loans and leases to deposits | 67.4298% | 4,013 |
| Net loans and leases to core deposits | 91.5566% | 2,447 |
| Total domestic deposits to total assets | 92.0847% | 65 |
| Equity capital to assets | 7.7491% | 5,231 |
| Core capital (leverage) ratio | 8.6128% | 4,949 |
| Tier 1 risk-based capital ratio | 11.6197% | 4,657 |
| Total risk-based capital ratio | 12.6129% | 4,694 |
| Memoranda: | ||
| Average total assets | $438,265,800 | 1,568 |
| Average earning assets | $414,876,600 | 1,539 |
| Average equity | $33,600,600 | 2,130 |
| Average total loans | $275,727,200 | 1,692 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6534% | 1,815 |
| Cost of funding earning assets | 0.9317% | 800 |
| Net interest margin | 3.7216% | 2,935 |
| Noninterest income to average assets | 0.5110% | 2,800 |
| Noninterest expense to average assets | 2.8548% | 2,444 |
| Loan and lease loss provision to assets | 0.1063% | 1,888 |
| Net operating income to assets | 1.0734% | 2,769 |
| Return on assets (ROA) | 1.0734% | 2,780 |
| Pretax return on assets | 1.0734% | 3,490 |
| Return on Equity (ROE) | 14.0404% | 1,109 |
| Retained earnings to average equity (ytd only) | 4.6613% | 3,413 |
| Net charge-offs to loans | 0.0147% | 2,896 |
| Credit loss provision to net charge-offs | 1,150.0000% | 358 |
| Earnings coverage of net charge-offs (x) | 127.6635% | 626 |
| Efficiency ratio | 70.7611% | 2,081 |
| Assets per employee ($millions) | 4.8755% | 2,625 |
| Cash dividends to net income (ytd only)* | 66.8005% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2074% | 2,583 |
| Loan loss allowance to noncurrent loans | 56.9130% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 1.8782% | 598 |
| Noncurrent loans to loans | 2.1215% | 675 |
| Net loans and leases to total assets | 62.6311% | 3,583 |
| Net loans and leases to deposits | 68.4946% | 4,024 |
| Net loans and leases to core deposits | 90.9815% | 2,566 |
| Total domestic deposits to total assets | 91.4395% | 141 |
| Equity capital to assets | 7.0731% | 5,381 |
| Core capital (leverage) ratio | 8.6529% | 5,002 |
| Tier 1 risk-based capital ratio | 11.6724% | 4,691 |
| Total risk-based capital ratio | 12.7022% | 4,701 |
| Memoranda: | ||
| Average total assets | $432,896,500 | 1,595 |
| Average earning assets | $409,844,250 | 1,567 |
| Average equity | $33,094,250 | 2,157 |
| Average total loans | $272,451,000 | 1,714 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5737% | 1,862 |
| Cost of funding earning assets | 0.8633% | 862 |
| Net interest margin | 3.7103% | 2,885 |
| Noninterest income to average assets | 0.4938% | 2,897 |
| Noninterest expense to average assets | 2.8082% | 2,636 |
| Loan and lease loss provision to assets | 0.1188% | 1,671 |
| Net operating income to assets | 1.0785% | 2,669 |
| Return on assets (ROA) | 1.0785% | 2,675 |
| Pretax return on assets | 1.0785% | 3,391 |
| Return on Equity (ROE) | 13.7530% | 1,144 |
| Retained earnings to average equity (ytd only) | 4.4972% | 3,343 |
| Net charge-offs to loans | 0.0609% | 1,736 |
| Credit loss provision to net charge-offs | 310.9756% | 978 |
| Earnings coverage of net charge-offs (x) | 31.3415% | 1,461 |
| Efficiency ratio | 70.1093% | 2,295 |
| Assets per employee ($millions) | 4.9042% | 2,555 |
| Cash dividends to net income (ytd only)* | 67.3002% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1736% | 2,864 |
| Loan loss allowance to noncurrent loans | 49.8621% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 2.0676% | 507 |
| Noncurrent loans to loans | 2.3538% | 571 |
| Net loans and leases to total assets | 62.0790% | 3,591 |
| Net loans and leases to deposits | 68.4236% | 3,994 |
| Net loans and leases to core deposits | 92.6654% | 2,339 |
| Total domestic deposits to total assets | 90.7275% | 319 |
| Equity capital to assets | 7.3497% | 5,409 |
| Core capital (leverage) ratio | 8.6214% | 5,021 |
| Tier 1 risk-based capital ratio | 11.6687% | 4,706 |
| Total risk-based capital ratio | 12.6655% | 4,735 |
| Memoranda: | ||
| Average total assets | $429,306,670 | 1,614 |
| Average earning assets | $406,326,000 | 1,587 |
| Average equity | $33,665,330 | 2,136 |
| Average total loans | $269,511,670 | 1,735 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4547% | 2,012 |
| Cost of funding earning assets | 0.7903% | 988 |
| Net interest margin | 3.6644% | 2,941 |
| Noninterest income to average assets | 0.4971% | 2,818 |
| Noninterest expense to average assets | 2.7529% | 2,865 |
| Loan and lease loss provision to assets | 0.1040% | 1,786 |
| Net operating income to assets | 1.1236% | 2,318 |
| Return on assets (ROA) | 1.1236% | 2,333 |
| Pretax return on assets | 1.1236% | 3,076 |
| Return on Equity (ROE) | 13.8748% | 1,046 |
| Retained earnings to average equity (ytd only) | 6.5698% | 2,468 |
| Net charge-offs to loans | 0.0873% | 1,286 |
| Credit loss provision to net charge-offs | 189.6552% | 1,077 |
| Earnings coverage of net charge-offs (x) | 22.3966% | 1,400 |
| Efficiency ratio | 69.1595% | 2,636 |
| Assets per employee ($millions) | 5.1071% | 2,357 |
| Cash dividends to net income (ytd only)* | 52.6493% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 3,147 |
| Loan loss allowance to noncurrent loans | 82.6431% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 1.4953% | 929 |
| Noncurrent loans to loans | 1.3788% | 1,296 |
| Net loans and leases to total assets | 62.6147% | 3,473 |
| Net loans and leases to deposits | 69.3179% | 3,846 |
| Net loans and leases to core deposits | 97.3166% | 1,879 |
| Total domestic deposits to total assets | 90.3298% | 531 |
| Equity capital to assets | 7.6364% | 5,385 |
| Core capital (leverage) ratio | 8.8585% | 4,840 |
| Tier 1 risk-based capital ratio | 11.8104% | 4,677 |
| Total risk-based capital ratio | 12.7867% | 4,737 |
| Memoranda: | ||
| Average total assets | $423,269,500 | 1,641 |
| Average earning assets | $402,358,000 | 1,610 |
| Average equity | $34,278,000 | 2,133 |
| Average total loans | $265,638,000 | 1,767 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2783% | 2,403 |
| Cost of funding earning assets | 0.6778% | 1,144 |
| Net interest margin | 3.6005% | 3,164 |
| Noninterest income to average assets | 0.6344% | 2,276 |
| Noninterest expense to average assets | 2.8021% | 2,765 |
| Loan and lease loss provision to assets | 0.1030% | 2,166 |
| Net operating income to assets | 1.1505% | 1,680 |
| Return on assets (ROA) | 1.1649% | 1,661 |
| Pretax return on assets | 1.1649% | 2,924 |
| Return on Equity (ROE) | 14.2663% | 725 |
| Retained earnings to average equity (ytd only) | 4.4112% | 2,510 |
| Net charge-offs to loans | 0.2008% | 1,279 |
| Credit loss provision to net charge-offs | 90.7692% | 2,775 |
| Earnings coverage of net charge-offs (x) | 11.0440% | 2,608 |
| Efficiency ratio | 69.0921% | 2,684 |
| Assets per employee ($millions) | 4.7406% | 2,810 |
| Cash dividends to net income (ytd only)* | 69.0792% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2020% | 2,765 |
| Loan loss allowance to noncurrent loans | 79.5918% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 1.6393% | 800 |
| Noncurrent loans to loans | 1.5102% | 1,126 |
| Net loans and leases to total assets | 61.4033% | 3,691 |
| Net loans and leases to deposits | 67.2858% | 4,080 |
| Net loans and leases to core deposits | 96.4570% | 1,988 |
| Total domestic deposits to total assets | 91.2575% | 184 |
| Equity capital to assets | 8.5847% | 5,056 |
| Core capital (leverage) ratio | 9.0521% | 4,581 |
| Tier 1 risk-based capital ratio | 12.2851% | 4,345 |
| Total risk-based capital ratio | 13.2989% | 4,381 |
| Memoranda: | ||
| Average total assets | $400,878,200 | 1,698 |
| Average earning assets | $380,923,000 | 1,669 |
| Average equity | $32,734,600 | 2,187 |
| Average total loans | $226,625,400 | 1,952 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1975% | 2,626 |
| Cost of funding earning assets | 0.6619% | 1,173 |
| Net interest margin | 3.5357% | 3,369 |
| Noninterest income to average assets | 0.6472% | 2,222 |
| Noninterest expense to average assets | 2.7434% | 2,916 |
| Loan and lease loss provision to assets | 0.1035% | 2,043 |
| Net operating income to assets | 1.1595% | 1,845 |
| Return on assets (ROA) | 1.1869% | 1,787 |
| Pretax return on assets | 1.1869% | 2,957 |
| Return on Equity (ROE) | 14.7314% | 694 |
| Retained earnings to average equity (ytd only) | 2.4823% | 4,408 |
| Net charge-offs to loans | 0.3376% | 622 |
| Credit loss provision to net charge-offs | 55.6757% | 2,850 |
| Earnings coverage of net charge-offs (x) | 6.7928% | 2,940 |
| Efficiency ratio | 68.4756% | 2,788 |
| Assets per employee ($millions) | 4.6845% | 2,856 |
| Cash dividends to net income (ytd only)* | 83.1499% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2204% | 2,805 |
| Loan loss allowance to noncurrent loans | 112.6910% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 1.3333% | 1,200 |
| Noncurrent loans to loans | 1.0830% | 1,776 |
| Net loans and leases to total assets | 57.1368% | 4,142 |
| Net loans and leases to deposits | 65.5830% | 4,282 |
| Net loans and leases to core deposits | 92.9181% | 2,355 |
| Total domestic deposits to total assets | 87.1213% | 1,812 |
| Equity capital to assets | 8.1811% | 5,447 |
| Core capital (leverage) ratio | 8.2241% | 5,408 |
| Tier 1 risk-based capital ratio | 11.9401% | 4,672 |
| Total risk-based capital ratio | 12.9507% | 4,713 |
| Memoranda: | ||
| Average total assets | $397,989,750 | 1,720 |
| Average earning assets | $378,116,500 | 1,689 |
| Average equity | $32,066,750 | 2,232 |
| Average total loans | $219,199,750 | 2,013 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1088% | 2,799 |
| Cost of funding earning assets | 0.6440% | 1,180 |
| Net interest margin | 3.4647% | 3,526 |
| Noninterest income to average assets | 0.6195% | 2,375 |
| Noninterest expense to average assets | 2.6975% | 3,097 |
| Loan and lease loss provision to assets | 0.1023% | 1,978 |
| Net operating income to assets | 1.1145% | 1,906 |
| Return on assets (ROA) | 1.1494% | 1,831 |
| Pretax return on assets | 1.1494% | 2,979 |
| Return on Equity (ROE) | 14.3418% | 769 |
| Retained earnings to average equity (ytd only) | -0.1011% | 5,091 |
| Net charge-offs to loans | 0.2817% | 721 |
| Credit loss provision to net charge-offs | 67.1096% | 2,407 |
| Earnings coverage of net charge-offs (x) | 7.9801% | 2,550 |
| Efficiency ratio | 68.9142% | 2,862 |
| Assets per employee ($millions) | 4.7848% | 2,671 |
| Cash dividends to net income (ytd only)* | 100.7052% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3731% | 2,075 |
| Loan loss allowance to noncurrent loans | 111.7517% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 1.4114% | 1,120 |
| Noncurrent loans to loans | 1.2287% | 1,580 |
| Net loans and leases to total assets | 52.7860% | 4,501 |
| Net loans and leases to deposits | 58.6794% | 4,722 |
| Net loans and leases to core deposits | 81.9907% | 3,252 |
| Total domestic deposits to total assets | 89.9567% | 553 |
| Equity capital to assets | 7.9604% | 5,551 |
| Core capital (leverage) ratio | 8.2559% | 5,387 |
| Tier 1 risk-based capital ratio | 12.3771% | 4,367 |
| Total risk-based capital ratio | 13.4825% | 4,358 |
| Memoranda: | ||
| Average total assets | $394,803,000 | 1,743 |
| Average earning assets | $375,439,000 | 1,699 |
| Average equity | $31,641,670 | 2,254 |
| Average total loans | $213,687,000 | 2,057 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0498% | 2,853 |
| Cost of funding earning assets | 0.6236% | 1,220 |
| Net interest margin | 3.4261% | 3,541 |
| Noninterest income to average assets | 0.7038% | 1,949 |
| Noninterest expense to average assets | 2.5566% | 3,635 |
| Loan and lease loss provision to assets | 0.0994% | 1,903 |
| Net operating income to assets | 1.3062% | 1,220 |
| Return on assets (ROA) | 1.3062% | 1,254 |
| Pretax return on assets | 1.3062% | 2,211 |
| Return on Equity (ROE) | 16.2399% | 500 |
| Retained earnings to average equity (ytd only) | 3.2557% | 3,805 |
| Net charge-offs to loans | 0.2642% | 690 |
| Credit loss provision to net charge-offs | 69.0647% | 1,847 |
| Earnings coverage of net charge-offs (x) | 9.7698% | 1,975 |
| Efficiency ratio | 64.5246% | 3,750 |
| Assets per employee ($millions) | 5.1725% | 2,210 |
| Cash dividends to net income (ytd only)* | 79.9525% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4681% | 1,806 |
| Loan loss allowance to noncurrent loans | 88.7864% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 1.6473% | 933 |
| Noncurrent loans to loans | 1.6535% | 1,171 |
| Net loans and leases to total assets | 51.9010% | 4,526 |
| Net loans and leases to deposits | 59.4339% | 4,603 |
| Net loans and leases to core deposits | 79.9695% | 3,300 |
| Total domestic deposits to total assets | 87.3257% | 2,060 |
| Equity capital to assets | 7.8815% | 5,576 |
| Core capital (leverage) ratio | 8.7543% | 4,998 |
| Tier 1 risk-based capital ratio | 12.9828% | 4,088 |
| Total risk-based capital ratio | 14.1544% | 4,043 |
| Memoranda: | ||
| Average total assets | $386,456,000 | 1,788 |
| Average earning assets | $367,526,500 | 1,746 |
| Average equity | $31,084,000 | 2,289 |
| Average total loans | $210,412,000 | 2,094 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1405% | 2,692 |
| Cost of funding earning assets | 0.5465% | 1,724 |
| Net interest margin | 3.5940% | 3,083 |
| Noninterest income to average assets | 0.6589% | 2,376 |
| Noninterest expense to average assets | 2.5935% | 3,691 |
| Loan and lease loss provision to assets | 0.2341% | 925 |
| Net operating income to assets | 1.2534% | 1,349 |
| Return on assets (ROA) | 1.3668% | 1,115 |
| Pretax return on assets | 1.3668% | 2,047 |
| Return on Equity (ROE) | 15.2067% | 601 |
| Retained earnings to average equity (ytd only) | 3.6313% | 3,338 |
| Net charge-offs to loans | 0.2173% | 1,274 |
| Credit loss provision to net charge-offs | 199.7717% | 1,422 |
| Earnings coverage of net charge-offs (x) | 12.6941% | 2,428 |
| Efficiency ratio | 63.5505% | 4,023 |
| Assets per employee ($millions) | 4.8653% | 2,554 |
| Cash dividends to net income (ytd only)* | 76.1206% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4799% | 1,755 |
| Loan loss allowance to noncurrent loans | 62.3105% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 1.6163% | 980 |
| Noncurrent loans to loans | 2.3750% | 681 |
| Net loans and leases to total assets | 55.4971% | 4,308 |
| Net loans and leases to deposits | 62.0950% | 4,538 |
| Net loans and leases to core deposits | 85.8847% | 2,861 |
| Total domestic deposits to total assets | 89.3745% | 911 |
| Equity capital to assets | 8.2154% | 5,461 |
| Core capital (leverage) ratio | 9.1400% | 4,566 |
| Tier 1 risk-based capital ratio | 13.8916% | 3,524 |
| Total risk-based capital ratio | 15.1418% | 3,441 |
| Memoranda: | ||
| Average total assets | $373,782,200 | 1,791 |
| Average earning assets | $355,901,200 | 1,746 |
| Average equity | $33,597,000 | 2,150 |
| Average total loans | $201,526,600 | 2,114 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1426% | 2,711 |
| Cost of funding earning assets | 0.5406% | 1,785 |
| Net interest margin | 3.6020% | 3,069 |
| Noninterest income to average assets | 0.6292% | 2,526 |
| Noninterest expense to average assets | 2.5758% | 3,741 |
| Loan and lease loss provision to assets | 0.2541% | 735 |
| Net operating income to assets | 1.2285% | 1,527 |
| Return on assets (ROA) | 1.3802% | 1,165 |
| Pretax return on assets | 1.3802% | 2,126 |
| Return on Equity (ROE) | 15.0308% | 663 |
| Retained earnings to average equity (ytd only) | 2.4488% | 4,453 |
| Net charge-offs to loans | 0.2002% | 1,170 |
| Credit loss provision to net charge-offs | 238.1271% | 1,242 |
| Earnings coverage of net charge-offs (x) | 13.8929% | 2,270 |
| Efficiency ratio | 63.4685% | 4,007 |
| Assets per employee ($millions) | 4.5407% | 3,019 |
| Cash dividends to net income (ytd only)* | 83.7083% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4934% | 1,786 |
| Loan loss allowance to noncurrent loans | 60.4329% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 1.7159% | 988 |
| Noncurrent loans to loans | 2.4711% | 714 |
| Net loans and leases to total assets | 55.5800% | 4,355 |
| Net loans and leases to deposits | 65.3072% | 4,399 |
| Net loans and leases to core deposits | 88.1870% | 2,741 |
| Total domestic deposits to total assets | 85.1055% | 2,756 |
| Equity capital to assets | 9.5377% | 4,623 |
| Core capital (leverage) ratio | 8.9092% | 4,932 |
| Tier 1 risk-based capital ratio | 13.9243% | 3,596 |
| Total risk-based capital ratio | 15.1746% | 3,521 |
| Memoranda: | ||
| Average total assets | $373,571,000 | 1,794 |
| Average earning assets | $355,641,750 | 1,747 |
| Average equity | $34,302,000 | 2,133 |
| Average total loans | $199,150,750 | 2,132 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1256% | 2,763 |
| Cost of funding earning assets | 0.5323% | 1,853 |
| Net interest margin | 3.5933% | 3,123 |
| Noninterest income to average assets | 0.6503% | 2,366 |
| Noninterest expense to average assets | 2.5028% | 4,018 |
| Loan and lease loss provision to assets | 0.2908% | 627 |
| Net operating income to assets | 1.2799% | 1,335 |
| Return on assets (ROA) | 1.3827% | 1,157 |
| Pretax return on assets | 1.3827% | 2,089 |
| Return on Equity (ROE) | 15.2513% | 642 |
| Retained earnings to average equity (ytd only) | 2.2795% | 4,425 |
| Net charge-offs to loans | 0.3066% | 775 |
| Credit loss provision to net charge-offs | 181.3953% | 1,396 |
| Earnings coverage of net charge-offs (x) | 9.7973% | 2,381 |
| Efficiency ratio | 61.4409% | 4,438 |
| Assets per employee ($millions) | 4.7461% | 2,636 |
| Cash dividends to net income (ytd only)* | 85.0539% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4145% | 2,226 |
| Loan loss allowance to noncurrent loans | 60.3832% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 1.6146% | 1,141 |
| Noncurrent loans to loans | 2.3425% | 770 |
| Net loans and leases to total assets | 53.1394% | 4,573 |
| Net loans and leases to deposits | 62.3415% | 4,629 |
| Net loans and leases to core deposits | 82.5919% | 3,218 |
| Total domestic deposits to total assets | 85.2392% | 2,763 |
| Equity capital to assets | 9.2096% | 5,059 |
| Core capital (leverage) ratio | 8.7209% | 5,145 |
| Tier 1 risk-based capital ratio | 13.5793% | 3,852 |
| Total risk-based capital ratio | 14.7837% | 3,788 |
| Memoranda: | ||
| Average total assets | $375,496,670 | 1,785 |
| Average earning assets | $357,721,000 | 1,741 |
| Average equity | $34,043,000 | 2,146 |
| Average total loans | $196,361,330 | 2,156 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0429% | 3,057 |
| Cost of funding earning assets | 0.5100% | 2,032 |
| Net interest margin | 3.5329% | 3,349 |
| Noninterest income to average assets | 0.6673% | 2,180 |
| Noninterest expense to average assets | 2.5001% | 4,067 |
| Loan and lease loss provision to assets | 0.1984% | 990 |
| Net operating income to assets | 1.3368% | 1,164 |
| Return on assets (ROA) | 1.3293% | 1,270 |
| Pretax return on assets | 1.3293% | 2,189 |
| Return on Equity (ROE) | 14.7833% | 704 |
| Retained earnings to average equity (ytd only) | 1.9064% | 4,497 |
| Net charge-offs to loans | 0.0230% | 2,472 |
| Credit loss provision to net charge-offs | 1,672.7273% | 244 |
| Earnings coverage of net charge-offs (x) | 129.4545% | 452 |
| Efficiency ratio | 61.9557% | 4,448 |
| Assets per employee ($millions) | 5.2407% | 2,093 |
| Cash dividends to net income (ytd only)* | 87.1046% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4677% | 2,126 |
| Loan loss allowance to noncurrent loans | 51.5321% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 1.7084% | 1,133 |
| Noncurrent loans to loans | 2.8481% | 593 |
| Net loans and leases to total assets | 50.1708% | 4,791 |
| Net loans and leases to deposits | 58.0239% | 4,854 |
| Net loans and leases to core deposits | 76.6640% | 3,617 |
| Total domestic deposits to total assets | 86.4658% | 2,465 |
| Equity capital to assets | 8.9523% | 5,215 |
| Core capital (leverage) ratio | 8.9157% | 4,951 |
| Tier 1 risk-based capital ratio | 14.0728% | 3,641 |
| Total risk-based capital ratio | 15.2988% | 3,591 |
| Memoranda: | ||
| Average total assets | $371,027,000 | 1,807 |
| Average earning assets | $353,704,500 | 1,763 |
| Average equity | $33,362,000 | 2,181 |
| Average total loans | $190,933,000 | 2,203 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1209% | 2,843 |
| Cost of funding earning assets | 0.4820% | 2,340 |
| Net interest margin | 3.6389% | 2,984 |
| Noninterest income to average assets | 0.6176% | 2,631 |
| Noninterest expense to average assets | 2.4435% | 4,401 |
| Loan and lease loss provision to assets | 0.2501% | 761 |
| Net operating income to assets | 1.3881% | 1,057 |
| Return on assets (ROA) | 1.3847% | 1,111 |
| Pretax return on assets | 1.3847% | 1,961 |
| Return on Equity (ROE) | 15.1914% | 657 |
| Retained earnings to average equity (ytd only) | 5.7369% | 1,934 |
| Net charge-offs to loans | 0.3878% | 742 |
| Credit loss provision to net charge-offs | 128.4271% | 2,035 |
| Earnings coverage of net charge-offs (x) | 8.4127% | 2,955 |
| Efficiency ratio | 59.8651% | 4,923 |
| Assets per employee ($millions) | 4.9244% | 2,446 |
| Cash dividends to net income (ytd only)* | 62.2362% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4358% | 2,270 |
| Loan loss allowance to noncurrent loans | 46.2545% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 1.9066% | 953 |
| Noncurrent loans to loans | 3.1042% | 504 |
| Net loans and leases to total assets | 51.2909% | 4,750 |
| Net loans and leases to deposits | 57.8846% | 4,917 |
| Net loans and leases to core deposits | 75.0338% | 3,846 |
| Total domestic deposits to total assets | 88.6089% | 1,329 |
| Equity capital to assets | 9.0338% | 5,090 |
| Core capital (leverage) ratio | 9.4568% | 4,240 |
| Tier 1 risk-based capital ratio | 14.8890% | 3,223 |
| Total risk-based capital ratio | 16.1136% | 3,176 |
| Memoranda: | ||
| Average total assets | $355,883,400 | 1,840 |
| Average earning assets | $338,788,200 | 1,791 |
| Average equity | $32,439,400 | 2,173 |
| Average total loans | $178,714,800 | 2,253 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1529% | 2,738 |
| Cost of funding earning assets | 0.4910% | 2,307 |
| Net interest margin | 3.6619% | 2,921 |
| Noninterest income to average assets | 0.6997% | 2,227 |
| Noninterest expense to average assets | 2.4237% | 4,446 |
| Loan and lease loss provision to assets | 0.2746% | 584 |
| Net operating income to assets | 1.4862% | 940 |
| Return on assets (ROA) | 1.4460% | 1,059 |
| Pretax return on assets | 1.4460% | 1,840 |
| Return on Equity (ROE) | 15.8283% | 614 |
| Retained earnings to average equity (ytd only) | 5.5913% | 2,527 |
| Net charge-offs to loans | 0.2785% | 959 |
| Credit loss provision to net charge-offs | 198.1030% | 1,346 |
| Earnings coverage of net charge-offs (x) | 12.7045% | 2,382 |
| Efficiency ratio | 57.9212% | 5,129 |
| Assets per employee ($millions) | 4.7731% | 2,593 |
| Cash dividends to net income (ytd only)* | 64.6753% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6014% | 1,793 |
| Loan loss allowance to noncurrent loans | 47.8838% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 2.0004% | 1,025 |
| Noncurrent loans to loans | 3.3444% | 485 |
| Net loans and leases to total assets | 50.2759% | 4,907 |
| Net loans and leases to deposits | 57.1785% | 5,061 |
| Net loans and leases to core deposits | 75.1836% | 3,884 |
| Total domestic deposits to total assets | 87.9281% | 1,601 |
| Equity capital to assets | 9.6319% | 4,596 |
| Core capital (leverage) ratio | 9.1537% | 4,803 |
| Tier 1 risk-based capital ratio | 12.3818% | 4,835 |
| Total risk-based capital ratio | 13.4795% | 4,839 |
| Memoranda: | ||
| Average total assets | $354,983,500 | 1,859 |
| Average earning assets | $337,812,000 | 1,811 |
| Average equity | $32,430,500 | 2,192 |
| Average total loans | $176,626,500 | 2,284 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1786% | 2,621 |
| Cost of funding earning assets | 0.4918% | 2,331 |
| Net interest margin | 3.6868% | 2,769 |
| Noninterest income to average assets | 0.7867% | 1,838 |
| Noninterest expense to average assets | 2.3731% | 4,648 |
| Loan and lease loss provision to assets | 0.3063% | 493 |
| Net operating income to assets | 1.6121% | 728 |
| Return on assets (ROA) | 1.5237% | 906 |
| Pretax return on assets | 1.5237% | 1,580 |
| Return on Equity (ROE) | 16.9778% | 495 |
| Retained earnings to average equity (ytd only) | 7.1879% | 1,621 |
| Net charge-offs to loans | 0.4133% | 625 |
| Credit loss provision to net charge-offs | 150.2747% | 1,527 |
| Earnings coverage of net charge-offs (x) | 9.4121% | 2,456 |
| Efficiency ratio | 55.2975% | 5,493 |
| Assets per employee ($millions) | 4.7248% | 2,642 |
| Cash dividends to net income (ytd only)* | 57.6626% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4857% | 2,358 |
| Loan loss allowance to noncurrent loans | 54.0016% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 1.7005% | 1,397 |
| Noncurrent loans to loans | 2.7512% | 772 |
| Net loans and leases to total assets | 49.9984% | 4,932 |
| Net loans and leases to deposits | 56.4083% | 5,097 |
| Net loans and leases to core deposits | 74.3009% | 3,936 |
| Total domestic deposits to total assets | 88.6367% | 1,338 |
| Equity capital to assets | 8.9911% | 5,241 |
| Core capital (leverage) ratio | 8.7738% | 5,256 |
| Tier 1 risk-based capital ratio | 15.5201% | 3,096 |
| Total risk-based capital ratio | 16.7705% | 3,041 |
| Memoranda: | ||
| Average total assets | $357,165,670 | 1,863 |
| Average earning assets | $339,538,330 | 1,806 |
| Average equity | $32,053,670 | 2,220 |
| Average total loans | $176,158,330 | 2,299 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1369% | 2,686 |
| Cost of funding earning assets | 0.4824% | 2,433 |
| Net interest margin | 3.6546% | 2,794 |
| Noninterest income to average assets | 0.4577% | 3,591 |
| Noninterest expense to average assets | 2.3723% | 4,680 |
| Loan and lease loss provision to assets | 0.1239% | 1,677 |
| Net operating income to assets | 1.4379% | 964 |
| Return on assets (ROA) | 1.1119% | 1,934 |
| Pretax return on assets | 1.1119% | 3,028 |
| Return on Equity (ROE) | 12.4924% | 1,220 |
| Retained earnings to average equity (ytd only) | 3.5872% | 3,847 |
| Net charge-offs to loans | -0.0138% | 4,873 |
| Credit loss provision to net charge-offs | -1,850.0000% | 5,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3008% | 5,054 |
| Assets per employee ($millions) | 4.9321% | 2,444 |
| Cash dividends to net income (ytd only)* | 71.2851% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4871% | 2,499 |
| Loan loss allowance to noncurrent loans | 157.1773% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.7682% | 3,189 |
| Noncurrent loans to loans | 0.9461% | 2,885 |
| Net loans and leases to total assets | 47.9484% | 5,036 |
| Net loans and leases to deposits | 54.4721% | 5,160 |
| Net loans and leases to core deposits | 72.1530% | 3,946 |
| Total domestic deposits to total assets | 88.0239% | 1,805 |
| Equity capital to assets | 9.1265% | 5,162 |
| Core capital (leverage) ratio | 8.6334% | 5,390 |
| Tier 1 risk-based capital ratio | 15.4704% | 3,164 |
| Total risk-based capital ratio | 16.7207% | 3,099 |
| Memoranda: | ||
| Average total assets | $358,309,500 | 1,852 |
| Average earning assets | $340,831,000 | 1,800 |
| Average equity | $31,891,500 | 2,241 |
| Average total loans | $174,458,500 | 2,323 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1643% | 3,066 |
| Cost of funding earning assets | 0.4829% | 2,849 |
| Net interest margin | 3.6814% | 3,081 |
| Noninterest income to average assets | 0.4645% | 3,751 |
| Noninterest expense to average assets | 2.4855% | 4,592 |
| Loan and lease loss provision to assets | 0.2086% | 1,203 |
| Net operating income to assets | 1.2493% | 1,434 |
| Return on assets (ROA) | 1.2160% | 1,594 |
| Pretax return on assets | 1.2160% | 2,590 |
| Return on Equity (ROE) | 14.8215% | 809 |
| Retained earnings to average equity (ytd only) | 4.2251% | 3,184 |
| Net charge-offs to loans | 0.2918% | 1,497 |
| Credit loss provision to net charge-offs | 149.1632% | 1,618 |
| Earnings coverage of net charge-offs (x) | 10.4268% | 2,612 |
| Efficiency ratio | 63.0294% | 4,753 |
| Assets per employee ($millions) | 4.9525% | 2,382 |
| Cash dividends to net income (ytd only)* | 71.4939% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4331% | 2,783 |
| Loan loss allowance to noncurrent loans | 154.2131% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.7676% | 3,297 |
| Noncurrent loans to loans | 0.9293% | 2,993 |
| Net loans and leases to total assets | 48.0086% | 5,154 |
| Net loans and leases to deposits | 54.9377% | 5,252 |
| Net loans and leases to core deposits | 73.3837% | 3,980 |
| Total domestic deposits to total assets | 87.3873% | 2,088 |
| Equity capital to assets | 8.6724% | 5,592 |
| Core capital (leverage) ratio | 8.6098% | 5,435 |
| Tier 1 risk-based capital ratio | 12.3636% | 5,119 |
| Total risk-based capital ratio | 13.3628% | 5,195 |
| Memoranda: | ||
| Average total assets | $341,862,200 | 1,901 |
| Average earning assets | $323,058,400 | 1,851 |
| Average equity | $28,047,000 | 2,409 |
| Average total loans | $163,810,600 | 2,395 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1362% | 3,232 |
| Cost of funding earning assets | 0.4945% | 2,820 |
| Net interest margin | 3.6416% | 3,260 |
| Noninterest income to average assets | 0.4794% | 3,688 |
| Noninterest expense to average assets | 2.4937% | 4,554 |
| Loan and lease loss provision to assets | 0.1242% | 2,012 |
| Net operating income to assets | 1.2991% | 1,377 |
| Return on assets (ROA) | 1.2502% | 1,580 |
| Pretax return on assets | 1.2502% | 2,573 |
| Return on Equity (ROE) | 15.4711% | 749 |
| Retained earnings to average equity (ytd only) | 3.3860% | 4,211 |
| Net charge-offs to loans | 0.1686% | 2,110 |
| Credit loss provision to net charge-offs | 154.4118% | 1,540 |
| Earnings coverage of net charge-offs (x) | 17.6963% | 1,886 |
| Efficiency ratio | 63.6638% | 4,606 |
| Assets per employee ($millions) | 4.9728% | 2,271 |
| Cash dividends to net income (ytd only)* | 78.1141% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4088% | 3,132 |
| Loan loss allowance to noncurrent loans | 189.6552% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.8568% | 3,275 |
| Noncurrent loans to loans | 0.7428% | 3,747 |
| Net loans and leases to total assets | 46.8763% | 5,302 |
| Net loans and leases to deposits | 52.3962% | 5,509 |
| Net loans and leases to core deposits | 70.2021% | 4,305 |
| Total domestic deposits to total assets | 89.4650% | 999 |
| Equity capital to assets | 8.0522% | 6,105 |
| Core capital (leverage) ratio | 8.6374% | 5,518 |
| Tier 1 risk-based capital ratio | 12.5575% | 5,136 |
| Total risk-based capital ratio | 13.5376% | 5,231 |
| Memoranda: | ||
| Average total assets | $338,183,250 | 1,931 |
| Average earning assets | $319,225,250 | 1,883 |
| Average equity | $27,327,750 | 2,465 |
| Average total loans | $161,344,000 | 2,432 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1291% | 3,234 |
| Cost of funding earning assets | 0.5092% | 2,735 |
| Net interest margin | 3.6199% | 3,283 |
| Noninterest income to average assets | 0.5906% | 2,861 |
| Noninterest expense to average assets | 2.5197% | 4,512 |
| Loan and lease loss provision to assets | 0.1831% | 1,335 |
| Net operating income to assets | 1.3012% | 1,306 |
| Return on assets (ROA) | 1.2658% | 1,463 |
| Pretax return on assets | 1.2658% | 2,389 |
| Return on Equity (ROE) | 15.6452% | 687 |
| Retained earnings to average equity (ytd only) | 3.8427% | 3,734 |
| Net charge-offs to loans | 0.2211% | 1,710 |
| Credit loss provision to net charge-offs | 173.2955% | 1,313 |
| Earnings coverage of net charge-offs (x) | 14.0511% | 1,937 |
| Efficiency ratio | 62.9291% | 4,866 |
| Assets per employee ($millions) | 4.6497% | 2,695 |
| Cash dividends to net income (ytd only)* | 75.4386% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4847% | 2,975 |
| Loan loss allowance to noncurrent loans | 96.1663% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 1.3885% | 2,355 |
| Noncurrent loans to loans | 1.5439% | 2,246 |
| Net loans and leases to total assets | 46.5842% | 5,306 |
| Net loans and leases to deposits | 52.4003% | 5,473 |
| Net loans and leases to core deposits | 72.4184% | 4,004 |
| Total domestic deposits to total assets | 88.9007% | 1,418 |
| Equity capital to assets | 8.5182% | 5,785 |
| Core capital (leverage) ratio | 8.9296% | 5,114 |
| Tier 1 risk-based capital ratio | 13.0329% | 4,888 |
| Total risk-based capital ratio | 14.0637% | 4,969 |
| Memoranda: | ||
| Average total assets | $333,220,330 | 1,962 |
| Average earning assets | $314,211,670 | 1,910 |
| Average equity | $26,960,330 | 2,483 |
| Average total loans | $159,168,000 | 2,457 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0933% | 3,310 |
| Cost of funding earning assets | 0.5096% | 2,806 |
| Net interest margin | 3.5837% | 3,318 |
| Noninterest income to average assets | 0.5477% | 3,065 |
| Noninterest expense to average assets | 2.5882% | 4,310 |
| Loan and lease loss provision to assets | 0.1818% | 1,319 |
| Net operating income to assets | 1.1523% | 1,619 |
| Return on assets (ROA) | 1.1523% | 1,692 |
| Pretax return on assets | 1.1523% | 2,684 |
| Return on Equity (ROE) | 14.6398% | 832 |
| Retained earnings to average equity (ytd only) | 3.5714% | 3,992 |
| Net charge-offs to loans | 0.1691% | 1,706 |
| Credit loss provision to net charge-offs | 223.8806% | 967 |
| Earnings coverage of net charge-offs (x) | 16.4328% | 1,508 |
| Efficiency ratio | 65.9870% | 4,528 |
| Assets per employee ($millions) | 4.4488% | 3,059 |
| Cash dividends to net income (ytd only)* | 75.6046% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4894% | 3,185 |
| Loan loss allowance to noncurrent loans | 78.3702% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 1.5850% | 2,225 |
| Noncurrent loans to loans | 1.9004% | 1,995 |
| Net loans and leases to total assets | 46.9527% | 5,238 |
| Net loans and leases to deposits | 52.7992% | 5,402 |
| Net loans and leases to core deposits | 73.4807% | 3,703 |
| Total domestic deposits to total assets | 88.9269% | 1,708 |
| Equity capital to assets | 8.2670% | 5,851 |
| Core capital (leverage) ratio | 8.9937% | 5,021 |
| Tier 1 risk-based capital ratio | 13.2210% | 4,879 |
| Total risk-based capital ratio | 14.2563% | 4,931 |
| Memoranda: | ||
| Average total assets | $330,117,500 | 1,982 |
| Average earning assets | $310,853,000 | 1,942 |
| Average equity | $25,984,000 | 2,550 |
| Average total loans | $158,501,000 | 2,480 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1748% | 3,434 |
| Cost of funding earning assets | 0.5003% | 3,611 |
| Net interest margin | 3.6745% | 3,154 |
| Noninterest income to average assets | 0.6585% | 2,764 |
| Noninterest expense to average assets | 2.4039% | 5,061 |
| Loan and lease loss provision to assets | 0.4445% | 656 |
| Net operating income to assets | 1.2813% | 1,302 |
| Return on assets (ROA) | 1.3443% | 1,183 |
| Pretax return on assets | 1.3443% | 1,991 |
| Return on Equity (ROE) | 16.0514% | 615 |
| Retained earnings to average equity (ytd only) | 5.4437% | 2,320 |
| Net charge-offs to loans | 0.8234% | 755 |
| Credit loss provision to net charge-offs | 112.9464% | 2,138 |
| Earnings coverage of net charge-offs (x) | 4.3854% | 3,582 |
| Efficiency ratio | 58.2104% | 5,711 |
| Assets per employee ($millions) | 4.3556% | 3,164 |
| Cash dividends to net income (ytd only)* | 66.0858% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4079% | 3,617 |
| Loan loss allowance to noncurrent loans | 74.9834% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 1.6694% | 2,212 |
| Noncurrent loans to loans | 1.8777% | 2,140 |
| Net loans and leases to total assets | 47.6816% | 5,324 |
| Net loans and leases to deposits | 54.5034% | 5,427 |
| Net loans and leases to core deposits | 78.1913% | 3,335 |
| Total domestic deposits to total assets | 87.4836% | 2,478 |
| Equity capital to assets | 7.4774% | 6,296 |
| Core capital (leverage) ratio | 8.5796% | 5,568 |
| Tier 1 risk-based capital ratio | 13.0119% | 4,965 |
| Total risk-based capital ratio | 14.0023% | 5,087 |
| Memoranda: | ||
| Average total assets | $341,524,600 | 1,888 |
| Average earning assets | $322,626,000 | 1,844 |
| Average equity | $28,601,800 | 2,332 |
| Average total loans | $163,221,600 | 2,377 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1298% | 3,641 |
| Cost of funding earning assets | 0.5049% | 3,726 |
| Net interest margin | 3.6250% | 3,340 |
| Noninterest income to average assets | 0.6571% | 2,843 |
| Noninterest expense to average assets | 2.3710% | 5,116 |
| Loan and lease loss provision to assets | 0.5273% | 511 |
| Net operating income to assets | 1.1859% | 1,678 |
| Return on assets (ROA) | 1.2855% | 1,457 |
| Pretax return on assets | 1.2855% | 2,388 |
| Return on Equity (ROE) | 14.9636% | 802 |
| Retained earnings to average equity (ytd only) | 3.5267% | 4,184 |
| Net charge-offs to loans | 0.9723% | 593 |
| Credit loss provision to net charge-offs | 113.7960% | 2,068 |
| Earnings coverage of net charge-offs (x) | 3.6973% | 3,629 |
| Efficiency ratio | 58.0535% | 5,678 |
| Assets per employee ($millions) | 4.6615% | 2,632 |
| Cash dividends to net income (ytd only)* | 76.4316% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3933% | 3,923 |
| Loan loss allowance to noncurrent loans | 61.7947% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 1.7837% | 2,297 |
| Noncurrent loans to loans | 2.2547% | 1,946 |
| Net loans and leases to total assets | 46.0597% | 5,547 |
| Net loans and leases to deposits | 52.7530% | 5,651 |
| Net loans and leases to core deposits | 73.4690% | 3,909 |
| Total domestic deposits to total assets | 87.3121% | 2,500 |
| Equity capital to assets | 7.5266% | 6,385 |
| Core capital (leverage) ratio | 8.2540% | 6,010 |
| Tier 1 risk-based capital ratio | 12.5332% | 5,441 |
| Total risk-based capital ratio | 13.5090% | 5,534 |
| Memoranda: | ||
| Average total assets | $344,150,000 | 1,890 |
| Average earning assets | $325,366,000 | 1,833 |
| Average equity | $29,564,250 | 2,299 |
| Average total loans | $164,004,250 | 2,377 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1114% | 3,695 |
| Cost of funding earning assets | 0.5086% | 3,816 |
| Net interest margin | 3.6027% | 3,346 |
| Noninterest income to average assets | 0.6403% | 2,965 |
| Noninterest expense to average assets | 2.3304% | 5,276 |
| Loan and lease loss provision to assets | 0.4682% | 605 |
| Net operating income to assets | 1.2487% | 1,461 |
| Return on assets (ROA) | 1.4761% | 1,013 |
| Pretax return on assets | 1.4761% | 1,689 |
| Return on Equity (ROE) | 16.4994% | 603 |
| Retained earnings to average equity (ytd only) | 5.5193% | 2,725 |
| Net charge-offs to loans | 1.1106% | 535 |
| Credit loss provision to net charge-offs | 87.8821% | 2,488 |
| Earnings coverage of net charge-offs (x) | 3.2227% | 3,453 |
| Efficiency ratio | 57.5801% | 5,787 |
| Assets per employee ($millions) | 4.5729% | 2,687 |
| Cash dividends to net income (ytd only)* | 66.5485% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 4,973 |
| Loan loss allowance to noncurrent loans | 58.0997% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 1.7304% | 2,516 |
| Noncurrent loans to loans | 2.0714% | 2,309 |
| Net loans and leases to total assets | 45.9064% | 5,543 |
| Net loans and leases to deposits | 52.3584% | 5,657 |
| Net loans and leases to core deposits | 71.6540% | 4,085 |
| Total domestic deposits to total assets | 87.6772% | 2,453 |
| Equity capital to assets | 7.4956% | 6,441 |
| Core capital (leverage) ratio | 8.2086% | 5,998 |
| Tier 1 risk-based capital ratio | 12.5116% | 5,490 |
| Total risk-based capital ratio | 13.3639% | 5,672 |
| Memoranda: | ||
| Average total assets | $343,882,670 | 1,894 |
| Average earning assets | $325,196,330 | 1,842 |
| Average equity | $30,764,670 | 2,239 |
| Average total loans | $164,962,670 | 2,365 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0943% | 3,749 |
| Cost of funding earning assets | 0.5105% | 3,966 |
| Net interest margin | 3.5837% | 3,325 |
| Noninterest income to average assets | 0.5981% | 3,152 |
| Noninterest expense to average assets | 2.4864% | 4,802 |
| Loan and lease loss provision to assets | 0.2743% | 1,287 |
| Net operating income to assets | 1.2255% | 1,446 |
| Return on assets (ROA) | 1.4457% | 1,043 |
| Pretax return on assets | 1.4457% | 1,719 |
| Return on Equity (ROE) | 14.9072% | 789 |
| Retained earnings to average equity (ytd only) | 7.6114% | 1,895 |
| Net charge-offs to loans | 1.2437% | 462 |
| Credit loss provision to net charge-offs | 45.2427% | 2,682 |
| Earnings coverage of net charge-offs (x) | 2.4738% | 3,022 |
| Efficiency ratio | 62.3745% | 5,263 |
| Assets per employee ($millions) | 4.6921% | 2,669 |
| Cash dividends to net income (ytd only)* | 48.9414% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 5,630 |
| Loan loss allowance to noncurrent loans | 44.9725% | 5,379 |
| Noncurrent assets plus other real estate owned to assets | 1.9740% | 2,376 |
| Noncurrent loans to loans | 2.4340% | 2,119 |
| Net loans and leases to total assets | 46.7901% | 5,352 |
| Net loans and leases to deposits | 54.8960% | 5,359 |
| Net loans and leases to core deposits | 75.3275% | 3,407 |
| Total domestic deposits to total assets | 85.2341% | 3,933 |
| Equity capital to assets | 9.4389% | 4,941 |
| Core capital (leverage) ratio | 8.4114% | 5,693 |
| Tier 1 risk-based capital ratio | 11.9080% | 5,972 |
| Total risk-based capital ratio | 12.6545% | 6,210 |
| Memoranda: | ||
| Average total assets | $339,768,000 | 1,937 |
| Average earning assets | $321,228,500 | 1,885 |
| Average equity | $32,950,500 | 2,129 |
| Average total loans | $165,638,500 | 2,370 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8016% | 2,185 |
| Cost of funding earning assets | 0.7010% | 3,487 |
| Net interest margin | 4.1007% | 2,000 |
| Noninterest income to average assets | 0.6982% | 2,736 |
| Noninterest expense to average assets | 2.8597% | 3,812 |
| Loan and lease loss provision to assets | 0.2625% | 2,545 |
| Net operating income to assets | 1.4395% | 1,029 |
| Return on assets (ROA) | 1.6047% | 833 |
| Pretax return on assets | 1.6047% | 1,374 |
| Return on Equity (ROE) | 15.5638% | 727 |
| Retained earnings to average equity (ytd only) | 5.6727% | 2,270 |
| Net charge-offs to loans | 0.3382% | 2,945 |
| Credit loss provision to net charge-offs | 142.0039% | 1,929 |
| Earnings coverage of net charge-offs (x) | 9.2062% | 2,291 |
| Efficiency ratio | 62.6894% | 5,133 |
| Assets per employee ($millions) | 4.3727% | 3,207 |
| Cash dividends to net income (ytd only)* | 63.5516% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 4,901 |
| Loan loss allowance to noncurrent loans | 40.8003% | 5,581 |
| Noncurrent assets plus other real estate owned to assets | 2.1377% | 2,287 |
| Noncurrent loans to loans | 3.0524% | 1,702 |
| Net loans and leases to total assets | 49.6317% | 5,220 |
| Net loans and leases to deposits | 57.9784% | 5,240 |
| Net loans and leases to core deposits | 79.5518% | 3,071 |
| Total domestic deposits to total assets | 85.6038% | 3,555 |
| Equity capital to assets | 9.9686% | 4,212 |
| Core capital (leverage) ratio | 8.4348% | 5,712 |
| Tier 1 risk-based capital ratio | 11.7978% | 5,909 |
| Total risk-based capital ratio | 12.6725% | 6,124 |
| Memoranda: | ||
| Average total assets | $280,732,200 | 2,263 |
| Average earning assets | $264,492,600 | 2,199 |
| Average equity | $28,945,400 | 2,326 |
| Average total loans | $153,444,600 | 2,522 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8844% | 2,069 |
| Cost of funding earning assets | 0.7683% | 3,207 |
| Net interest margin | 4.1161% | 2,034 |
| Noninterest income to average assets | 0.7238% | 2,602 |
| Noninterest expense to average assets | 2.8689% | 3,717 |
| Loan and lease loss provision to assets | 0.2838% | 2,300 |
| Net operating income to assets | 1.4461% | 1,133 |
| Return on assets (ROA) | 1.5860% | 973 |
| Pretax return on assets | 1.5860% | 1,616 |
| Return on Equity (ROE) | 15.2255% | 862 |
| Retained earnings to average equity (ytd only) | 5.1230% | 3,273 |
| Net charge-offs to loans | 0.3225% | 2,835 |
| Credit loss provision to net charge-offs | 157.0248% | 1,791 |
| Earnings coverage of net charge-offs (x) | 9.5730% | 2,306 |
| Efficiency ratio | 62.3836% | 5,087 |
| Assets per employee ($millions) | 4.2800% | 3,317 |
| Cash dividends to net income (ytd only)* | 66.3529% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2798% | 4,900 |
| Loan loss allowance to noncurrent loans | 41.4463% | 5,571 |
| Noncurrent assets plus other real estate owned to assets | 2.0239% | 2,608 |
| Noncurrent loans to loans | 3.0879% | 1,801 |
| Net loans and leases to total assets | 48.4259% | 5,498 |
| Net loans and leases to deposits | 57.6892% | 5,461 |
| Net loans and leases to core deposits | 82.1919% | 2,940 |
| Total domestic deposits to total assets | 83.9428% | 4,245 |
| Equity capital to assets | 10.1126% | 4,333 |
| Core capital (leverage) ratio | 9.2581% | 4,665 |
| Tier 1 risk-based capital ratio | 11.5463% | 6,202 |
| Total risk-based capital ratio | 12.4156% | 6,383 |
| Memoranda: | ||
| Average total assets | $267,834,250 | 2,388 |
| Average earning assets | $252,141,000 | 2,330 |
| Average equity | $27,899,750 | 2,421 |
| Average total loans | $150,051,250 | 2,604 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1752% | 1,325 |
| Cost of funding earning assets | 0.8609% | 2,720 |
| Net interest margin | 4.3142% | 1,447 |
| Noninterest income to average assets | 0.7935% | 2,216 |
| Noninterest expense to average assets | 3.0486% | 3,092 |
| Loan and lease loss provision to assets | 0.3373% | 1,954 |
| Net operating income to assets | 1.4527% | 1,078 |
| Return on assets (ROA) | 1.4592% | 1,202 |
| Pretax return on assets | 1.4592% | 1,979 |
| Return on Equity (ROE) | 13.8287% | 1,162 |
| Retained earnings to average equity (ytd only) | 3.6565% | 4,164 |
| Net charge-offs to loans | 0.4364% | 2,295 |
| Credit loss provision to net charge-offs | 130.7210% | 2,098 |
| Earnings coverage of net charge-offs (x) | 6.9373% | 2,557 |
| Efficiency ratio | 63.0057% | 5,080 |
| Assets per employee ($millions) | 3.3487% | 5,334 |
| Cash dividends to net income (ytd only)* | 73.5588% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2711% | 5,033 |
| Loan loss allowance to noncurrent loans | 43.7305% | 5,466 |
| Noncurrent assets plus other real estate owned to assets | 2.4165% | 2,312 |
| Noncurrent loans to loans | 2.9066% | 2,055 |
| Net loans and leases to total assets | 58.2846% | 4,113 |
| Net loans and leases to deposits | 71.1010% | 3,754 |
| Net loans and leases to core deposits | 95.0846% | 1,501 |
| Total domestic deposits to total assets | 81.9744% | 5,143 |
| Equity capital to assets | 10.2603% | 3,982 |
| Core capital (leverage) ratio | 8.4038% | 5,781 |
| Tier 1 risk-based capital ratio | 10.1897% | 6,776 |
| Total risk-based capital ratio | 11.1022% | 6,854 |
| Memoranda: | ||
| Average total assets | $247,259,330 | 2,580 |
| Average earning assets | $231,837,330 | 2,504 |
| Average equity | $26,090,670 | 2,560 |
| Average total loans | $146,181,330 | 2,667 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2119% | 1,291 |
| Cost of funding earning assets | 0.8867% | 2,784 |
| Net interest margin | 4.3252% | 1,392 |
| Noninterest income to average assets | 0.8673% | 1,876 |
| Noninterest expense to average assets | 3.1163% | 2,859 |
| Loan and lease loss provision to assets | 0.2630% | 2,357 |
| Net operating income to assets | 1.5398% | 957 |
| Return on assets (ROA) | 1.5398% | 1,076 |
| Pretax return on assets | 1.5398% | 1,770 |
| Return on Equity (ROE) | 14.3767% | 1,113 |
| Retained earnings to average equity (ytd only) | 3.6680% | 4,383 |
| Net charge-offs to loans | 0.1210% | 3,388 |
| Credit loss provision to net charge-offs | 367.4419% | 846 |
| Earnings coverage of net charge-offs (x) | 25.1860% | 1,037 |
| Efficiency ratio | 63.3503% | 5,043 |
| Assets per employee ($millions) | 3.4174% | 5,302 |
| Cash dividends to net income (ytd only)* | 74.4865% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3771% | 4,702 |
| Loan loss allowance to noncurrent loans | 47.0490% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 2.4034% | 2,463 |
| Noncurrent loans to loans | 2.9269% | 2,210 |
| Net loans and leases to total assets | 55.9894% | 4,389 |
| Net loans and leases to deposits | 66.0352% | 4,373 |
| Net loans and leases to core deposits | 87.5109% | 2,115 |
| Total domestic deposits to total assets | 84.7873% | 4,127 |
| Equity capital to assets | 10.2026% | 3,844 |
| Core capital (leverage) ratio | 8.9070% | 4,986 |
| Tier 1 risk-based capital ratio | 10.7693% | 6,637 |
| Total risk-based capital ratio | 11.7529% | 6,728 |
| Memoranda: | ||
| Average total assets | $240,288,500 | 2,666 |
| Average earning assets | $225,099,500 | 2,598 |
| Average equity | $25,736,000 | 2,598 |
| Average total loans | $142,172,000 | 2,750 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4882% | 1,194 |
| Cost of funding earning assets | 1.0014% | 3,370 |
| Net interest margin | 4.4868% | 1,169 |
| Noninterest income to average assets | 0.8273% | 1,934 |
| Noninterest expense to average assets | 3.3150% | 2,479 |
| Loan and lease loss provision to assets | 0.3405% | 2,973 |
| Net operating income to assets | 1.3547% | 1,127 |
| Return on assets (ROA) | 1.3860% | 1,142 |
| Pretax return on assets | 1.3860% | 1,822 |
| Return on Equity (ROE) | 13.9879% | 933 |
| Retained earnings to average equity (ytd only) | 4.2012% | 3,189 |
| Net charge-offs to loans | 0.6547% | 2,514 |
| Credit loss provision to net charge-offs | 86.4088% | 4,184 |
| Earnings coverage of net charge-offs (x) | 4.3017% | 3,172 |
| Efficiency ratio | 66.1655% | 4,742 |
| Assets per employee ($millions) | 3.1624% | 5,787 |
| Cash dividends to net income (ytd only)* | 69.9654% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3227% | 4,794 |
| Loan loss allowance to noncurrent loans | 79.4030% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.8780% | 3,146 |
| Noncurrent loans to loans | 1.6658% | 3,664 |
| Net loans and leases to total assets | 61.0106% | 3,783 |
| Net loans and leases to deposits | 73.0555% | 3,654 |
| Net loans and leases to core deposits | 94.1765% | 1,673 |
| Total domestic deposits to total assets | 83.5127% | 4,534 |
| Equity capital to assets | 11.2745% | 2,716 |
| Core capital (leverage) ratio | 9.0944% | 4,629 |
| Tier 1 risk-based capital ratio | 11.2590% | 6,315 |
| Total risk-based capital ratio | 12.2381% | 6,445 |
| Memoranda: | ||
| Average total assets | $229,651,000 | 2,726 |
| Average earning assets | $214,094,000 | 2,682 |
| Average equity | $22,755,400 | 2,810 |
| Average total loans | $138,226,800 | 2,828 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4540% | 1,382 |
| Cost of funding earning assets | 1.0226% | 3,519 |
| Net interest margin | 4.4314% | 1,315 |
| Noninterest income to average assets | 0.8093% | 2,014 |
| Noninterest expense to average assets | 3.3231% | 2,426 |
| Loan and lease loss provision to assets | 0.2694% | 3,351 |
| Net operating income to assets | 1.3493% | 1,270 |
| Return on assets (ROA) | 1.3081% | 1,446 |
| Pretax return on assets | 1.3081% | 2,264 |
| Return on Equity (ROE) | 13.6680% | 1,119 |
| Retained earnings to average equity (ytd only) | 3.6379% | 4,161 |
| Net charge-offs to loans | 0.6347% | 2,344 |
| Credit loss provision to net charge-offs | 70.9924% | 4,453 |
| Earnings coverage of net charge-offs (x) | 4.2657% | 3,124 |
| Efficiency ratio | 67.2450% | 4,478 |
| Assets per employee ($millions) | 3.1525% | 5,780 |
| Cash dividends to net income (ytd only)* | 73.3836% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2960% | 5,028 |
| Loan loss allowance to noncurrent loans | 71.1173% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 1.8621% | 3,317 |
| Noncurrent loans to loans | 1.8223% | 3,610 |
| Net loans and leases to total assets | 58.6022% | 4,393 |
| Net loans and leases to deposits | 71.1437% | 4,117 |
| Net loans and leases to core deposits | 91.2586% | 2,081 |
| Total domestic deposits to total assets | 82.3716% | 4,941 |
| Equity capital to assets | 10.8401% | 3,301 |
| Core capital (leverage) ratio | 8.8802% | 5,139 |
| Tier 1 risk-based capital ratio | 11.2401% | 6,407 |
| Total risk-based capital ratio | 12.1983% | 6,548 |
| Memoranda: | ||
| Average total assets | $230,141,250 | 2,730 |
| Average earning assets | $214,612,250 | 2,689 |
| Average equity | $22,026,500 | 2,887 |
| Average total loans | $137,589,250 | 2,867 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4329% | 1,467 |
| Cost of funding earning assets | 1.0463% | 3,632 |
| Net interest margin | 4.3865% | 1,411 |
| Noninterest income to average assets | 0.7813% | 2,105 |
| Noninterest expense to average assets | 3.3331% | 2,456 |
| Loan and lease loss provision to assets | 0.2724% | 3,213 |
| Net operating income to assets | 1.2676% | 1,401 |
| Return on assets (ROA) | 1.1986% | 1,656 |
| Pretax return on assets | 1.1986% | 2,489 |
| Return on Equity (ROE) | 13.1141% | 1,174 |
| Retained earnings to average equity (ytd only) | 1.7575% | 5,117 |
| Net charge-offs to loans | 0.7313% | 2,045 |
| Credit loss provision to net charge-offs | 62.1514% | 4,295 |
| Earnings coverage of net charge-offs (x) | 3.5139% | 3,146 |
| Efficiency ratio | 68.3984% | 4,440 |
| Assets per employee ($millions) | 3.2094% | 5,618 |
| Cash dividends to net income (ytd only)* | 86.5987% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3355% | 4,892 |
| Loan loss allowance to noncurrent loans | 49.8888% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 2.3843% | 2,766 |
| Noncurrent loans to loans | 2.6769% | 2,720 |
| Net loans and leases to total assets | 56.6030% | 4,885 |
| Net loans and leases to deposits | 69.8077% | 4,464 |
| Net loans and leases to core deposits | 88.6095% | 2,549 |
| Total domestic deposits to total assets | 81.0842% | 5,499 |
| Equity capital to assets | 9.5447% | 4,740 |
| Core capital (leverage) ratio | 8.8641% | 4,938 |
| Tier 1 risk-based capital ratio | 11.2826% | 6,329 |
| Total risk-based capital ratio | 12.2638% | 6,506 |
| Memoranda: | ||
| Average total assets | $229,094,000 | 2,761 |
| Average earning assets | $213,699,000 | 2,716 |
| Average equity | $20,939,330 | 3,010 |
| Average total loans | $137,284,330 | 2,906 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4581% | 1,409 |
| Cost of funding earning assets | 1.0761% | 3,685 |
| Net interest margin | 4.3820% | 1,335 |
| Noninterest income to average assets | 0.7770% | 2,125 |
| Noninterest expense to average assets | 3.4861% | 2,043 |
| Loan and lease loss provision to assets | 0.2790% | 2,922 |
| Net operating income to assets | 1.1038% | 1,832 |
| Return on assets (ROA) | 1.0843% | 1,940 |
| Pretax return on assets | 1.0843% | 2,815 |
| Return on Equity (ROE) | 12.1416% | 1,420 |
| Retained earnings to average equity (ytd only) | -2.0368% | 6,150 |
| Net charge-offs to loans | 0.4960% | 2,236 |
| Credit loss provision to net charge-offs | 91.8605% | 2,909 |
| Earnings coverage of net charge-offs (x) | 4.5523% | 2,448 |
| Efficiency ratio | 71.5996% | 3,942 |
| Assets per employee ($millions) | 3.1025% | 5,943 |
| Cash dividends to net income (ytd only)* | 116.7752% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4174% | 4,574 |
| Loan loss allowance to noncurrent loans | 57.1304% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 2.0746% | 3,225 |
| Noncurrent loans to loans | 2.4810% | 3,012 |
| Net loans and leases to total assets | 59.7117% | 4,326 |
| Net loans and leases to deposits | 70.0938% | 4,332 |
| Net loans and leases to core deposits | 89.4994% | 2,408 |
| Total domestic deposits to total assets | 85.1884% | 3,954 |
| Equity capital to assets | 8.8051% | 5,484 |
| Core capital (leverage) ratio | 8.8025% | 4,925 |
| Tier 1 risk-based capital ratio | 11.0801% | 6,450 |
| Total risk-based capital ratio | 12.1531% | 6,549 |
| Memoranda: | ||
| Average total assets | $226,498,000 | 2,802 |
| Average earning assets | $211,503,000 | 2,760 |
| Average equity | $20,228,000 | 3,078 |
| Average total loans | $138,722,500 | 2,914 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7814% | 1,327 |
| Cost of funding earning assets | 1.2337% | 4,331 |
| Net interest margin | 4.5477% | 1,141 |
| Noninterest income to average assets | 0.7513% | 2,537 |
| Noninterest expense to average assets | 3.2793% | 2,798 |
| Loan and lease loss provision to assets | 0.4238% | 3,569 |
| Net operating income to assets | 1.2980% | 1,179 |
| Return on assets (ROA) | 1.6150% | 654 |
| Pretax return on assets | 1.6150% | 1,095 |
| Return on Equity (ROE) | 18.0098% | 380 |
| Retained earnings to average equity (ytd only) | 4.1625% | 2,934 |
| Net charge-offs to loans | 0.5900% | 3,262 |
| Credit loss provision to net charge-offs | 117.6542% | 3,626 |
| Earnings coverage of net charge-offs (x) | 4.7799% | 2,808 |
| Efficiency ratio | 65.5722% | 5,050 |
| Assets per employee ($millions) | 2.9015% | 6,322 |
| Cash dividends to net income (ytd only)* | 76.8878% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4344% | 4,354 |
| Loan loss allowance to noncurrent loans | 55.4160% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 1.8517% | 3,555 |
| Noncurrent loans to loans | 2.5884% | 2,943 |
| Net loans and leases to total assets | 61.0533% | 4,476 |
| Net loans and leases to deposits | 71.5055% | 4,608 |
| Net loans and leases to core deposits | 94.4167% | 2,212 |
| Total domestic deposits to total assets | 85.3827% | 3,673 |
| Equity capital to assets | 9.0599% | 5,060 |
| Core capital (leverage) ratio | 8.9067% | 4,683 |
| Tier 1 risk-based capital ratio | 11.1575% | 6,211 |
| Total risk-based capital ratio | 12.2403% | 6,308 |
| Memoranda: | ||
| Average total assets | $229,592,400 | 2,762 |
| Average earning assets | $214,550,000 | 2,693 |
| Average equity | $20,588,800 | 3,064 |
| Average total loans | $140,173,200 | 2,950 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8418% | 1,279 |
| Cost of funding earning assets | 1.2606% | 4,492 |
| Net interest margin | 4.5812% | 1,082 |
| Noninterest income to average assets | 0.7655% | 2,418 |
| Noninterest expense to average assets | 3.2799% | 2,634 |
| Loan and lease loss provision to assets | 0.2769% | 4,371 |
| Net operating income to assets | 1.4871% | 946 |
| Return on assets (ROA) | 1.7548% | 611 |
| Pretax return on assets | 1.7548% | 1,006 |
| Return on Equity (ROE) | 19.6167% | 328 |
| Retained earnings to average equity (ytd only) | 3.2243% | 4,174 |
| Net charge-offs to loans | 0.3973% | 3,695 |
| Credit loss provision to net charge-offs | 114.5585% | 3,652 |
| Earnings coverage of net charge-offs (x) | 7.2984% | 2,358 |
| Efficiency ratio | 65.0274% | 5,047 |
| Assets per employee ($millions) | 3.0474% | 6,033 |
| Cash dividends to net income (ytd only)* | 83.5635% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3823% | 4,562 |
| Loan loss allowance to noncurrent loans | 65.6531% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 1.4622% | 4,261 |
| Noncurrent loans to loans | 2.1055% | 3,564 |
| Net loans and leases to total assets | 57.7672% | 5,291 |
| Net loans and leases to deposits | 69.8484% | 5,173 |
| Net loans and leases to core deposits | 94.9290% | 2,395 |
| Total domestic deposits to total assets | 82.7037% | 4,714 |
| Equity capital to assets | 9.2690% | 5,189 |
| Core capital (leverage) ratio | 8.2655% | 5,937 |
| Tier 1 risk-based capital ratio | 11.0798% | 6,307 |
| Total risk-based capital ratio | 12.1540% | 6,441 |
| Memoranda: | ||
| Average total assets | $231,137,250 | 2,769 |
| Average earning assets | $215,863,750 | 2,714 |
| Average equity | $20,675,750 | 3,089 |
| Average total loans | $140,620,000 | 2,970 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9291% | 1,111 |
| Cost of funding earning assets | 1.2796% | 4,652 |
| Net interest margin | 4.6496% | 893 |
| Noninterest income to average assets | 0.7497% | 2,395 |
| Noninterest expense to average assets | 3.2840% | 2,612 |
| Loan and lease loss provision to assets | 0.2270% | 4,634 |
| Net operating income to assets | 1.5776% | 766 |
| Return on assets (ROA) | 1.8890% | 451 |
| Pretax return on assets | 1.8890% | 749 |
| Return on Equity (ROE) | 21.3804% | 239 |
| Retained earnings to average equity (ytd only) | 2.0869% | 4,813 |
| Net charge-offs to loans | 0.3882% | 3,424 |
| Credit loss provision to net charge-offs | 94.9091% | 4,262 |
| Earnings coverage of net charge-offs (x) | 7.5455% | 2,284 |
| Efficiency ratio | 64.5360% | 5,237 |
| Assets per employee ($millions) | 3.0412% | 6,057 |
| Cash dividends to net income (ytd only)* | 90.2394% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2973% | 4,933 |
| Loan loss allowance to noncurrent loans | 64.3512% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 1.4404% | 4,308 |
| Noncurrent loans to loans | 2.0159% | 3,696 |
| Net loans and leases to total assets | 59.2967% | 5,199 |
| Net loans and leases to deposits | 71.8139% | 5,021 |
| Net loans and leases to core deposits | 97.6147% | 2,272 |
| Total domestic deposits to total assets | 82.5699% | 4,758 |
| Equity capital to assets | 8.9610% | 5,506 |
| Core capital (leverage) ratio | 8.1717% | 5,998 |
| Tier 1 risk-based capital ratio | 11.0109% | 6,226 |
| Total risk-based capital ratio | 12.0515% | 6,429 |
| Memoranda: | ||
| Average total assets | $229,965,670 | 2,815 |
| Average earning assets | $214,601,330 | 2,756 |
| Average equity | $20,317,670 | 3,136 |
| Average total loans | $141,676,000 | 2,984 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0007% | 980 |
| Cost of funding earning assets | 1.2690% | 5,007 |
| Net interest margin | 4.7318% | 728 |
| Noninterest income to average assets | 0.7232% | 2,440 |
| Noninterest expense to average assets | 3.2879% | 2,565 |
| Loan and lease loss provision to assets | 0.2475% | 4,067 |
| Net operating income to assets | 1.6062% | 741 |
| Return on assets (ROA) | 1.9872% | 387 |
| Pretax return on assets | 1.9872% | 620 |
| Return on Equity (ROE) | 22.6576% | 246 |
| Retained earnings to average equity (ytd only) | 3.6829% | 3,946 |
| Net charge-offs to loans | 0.4164% | 2,795 |
| Credit loss provision to net charge-offs | 95.2703% | 3,542 |
| Earnings coverage of net charge-offs (x) | 7.1351% | 2,127 |
| Efficiency ratio | 63.9467% | 5,506 |
| Assets per employee ($millions) | 3.0128% | 6,188 |
| Cash dividends to net income (ytd only)* | 83.7456% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2946% | 4,964 |
| Loan loss allowance to noncurrent loans | 88.8027% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 1.1208% | 4,917 |
| Noncurrent loans to loans | 1.4578% | 4,558 |
| Net loans and leases to total assets | 60.2101% | 5,087 |
| Net loans and leases to deposits | 70.7515% | 5,235 |
| Net loans and leases to core deposits | 95.8991% | 2,604 |
| Total domestic deposits to total assets | 85.1008% | 3,611 |
| Equity capital to assets | 8.6346% | 5,827 |
| Core capital (leverage) ratio | 8.2160% | 5,885 |
| Tier 1 risk-based capital ratio | 10.8147% | 6,332 |
| Total risk-based capital ratio | 11.8420% | 6,542 |
| Memoranda: | ||
| Average total assets | $227,863,500 | 2,899 |
| Average earning assets | $212,774,000 | 2,838 |
| Average equity | $19,984,500 | 3,207 |
| Average total loans | $142,174,000 | 3,032 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4106% | 813 |
| Cost of funding earning assets | 1.3947% | 5,951 |
| Net interest margin | 5.0160% | 432 |
| Noninterest income to average assets | 0.8673% | 2,091 |
| Noninterest expense to average assets | 3.2403% | 3,230 |
| Loan and lease loss provision to assets | 0.4370% | 4,205 |
| Net operating income to assets | 1.9149% | 283 |
| Return on assets (ROA) | 2.0077% | 238 |
| Pretax return on assets | 1.9982% | 401 |
| Return on Equity (ROE) | 22.7222% | 139 |
| Retained earnings to average equity (ytd only) | 9.6642% | 405 |
| Net charge-offs to loans | 0.5192% | 3,702 |
| Credit loss provision to net charge-offs | 131.0484% | 3,871 |
| Earnings coverage of net charge-offs (x) | 7.0242% | 2,239 |
| Efficiency ratio | 58.0409% | 6,754 |
| Assets per employee ($millions) | 2.8685% | 6,522 |
| Cash dividends to net income (ytd only)* | 57.4682% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2875% | 4,833 |
| Loan loss allowance to noncurrent loans | 106.6705% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 1.0105% | 5,096 |
| Noncurrent loans to loans | 1.2070% | 4,931 |
| Net loans and leases to total assets | 63.0184% | 4,802 |
| Net loans and leases to deposits | 74.9902% | 4,874 |
| Net loans and leases to core deposits | 107.0437% | 3,212 |
| Total domestic deposits to total assets | 84.0356% | 4,010 |
| Equity capital to assets | 8.9112% | 5,264 |
| Core capital (leverage) ratio | 8.5592% | 5,174 |
| Tier 1 risk-based capital ratio | 10.9612% | 5,951 |
| Total risk-based capital ratio | 12.0164% | 6,115 |
| Memoranda: | ||
| Average total assets | $223,095,400 | 2,902 |
| Average earning assets | $209,730,000 | 2,838 |
| Average equity | $19,712,000 | 3,246 |
| Average total loans | $143,304,400 | 3,028 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4426% | 851 |
| Cost of funding earning assets | 1.4402% | 6,079 |
| Net interest margin | 5.0025% | 439 |
| Noninterest income to average assets | 0.8780% | 2,069 |
| Noninterest expense to average assets | 3.2804% | 2,995 |
| Loan and lease loss provision to assets | 0.4563% | 3,628 |
| Net operating income to assets | 1.8654% | 387 |
| Return on assets (ROA) | 1.9551% | 344 |
| Pretax return on assets | 1.9425% | 601 |
| Return on Equity (ROE) | 22.1748% | 200 |
| Retained earnings to average equity (ytd only) | 7.5431% | 1,300 |
| Net charge-offs to loans | 0.5057% | 3,198 |
| Credit loss provision to net charge-offs | 140.2574% | 3,507 |
| Earnings coverage of net charge-offs (x) | 7.0974% | 2,475 |
| Efficiency ratio | 58.6882% | 6,616 |
| Assets per employee ($millions) | 2.8320% | 6,580 |
| Cash dividends to net income (ytd only)* | 65.9835% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2819% | 4,605 |
| Loan loss allowance to noncurrent loans | 102.2384% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 1.0476% | 4,985 |
| Noncurrent loans to loans | 1.2538% | 4,847 |
| Net loans and leases to total assets | 63.6965% | 4,927 |
| Net loans and leases to deposits | 76.0809% | 5,030 |
| Net loans and leases to core deposits | 105.9121% | 3,711 |
| Total domestic deposits to total assets | 83.7220% | 3,851 |
| Equity capital to assets | 9.0025% | 5,474 |
| Core capital (leverage) ratio | 8.0578% | 6,254 |
| Tier 1 risk-based capital ratio | 10.5948% | 6,350 |
| Total risk-based capital ratio | 11.6519% | 6,514 |
| Memoranda: | ||
| Average total assets | $222,934,000 | 2,917 |
| Average earning assets | $209,971,750 | 2,859 |
| Average equity | $19,655,500 | 3,294 |
| Average total loans | $143,421,250 | 3,057 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4004% | 1,013 |
| Cost of funding earning assets | 1.4871% | 6,192 |
| Net interest margin | 4.9133% | 521 |
| Noninterest income to average assets | 0.8792% | 2,063 |
| Noninterest expense to average assets | 3.2288% | 3,241 |
| Loan and lease loss provision to assets | 0.3479% | 3,837 |
| Net operating income to assets | 1.9489% | 335 |
| Return on assets (ROA) | 1.9847% | 339 |
| Pretax return on assets | 1.9659% | 607 |
| Return on Equity (ROE) | 22.6675% | 209 |
| Retained earnings to average equity (ytd only) | 6.8238% | 1,656 |
| Net charge-offs to loans | 0.3563% | 3,402 |
| Credit loss provision to net charge-offs | 151.9531% | 3,025 |
| Earnings coverage of net charge-offs (x) | 9.9492% | 2,053 |
| Efficiency ratio | 58.6325% | 6,747 |
| Assets per employee ($millions) | 3.0430% | 6,016 |
| Cash dividends to net income (ytd only)* | 69.8963% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 5,018 |
| Loan loss allowance to noncurrent loans | 82.3947% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 1.0809% | 4,799 |
| Noncurrent loans to loans | 1.4433% | 4,333 |
| Net loans and leases to total assets | 63.3838% | 5,104 |
| Net loans and leases to deposits | 76.7300% | 5,064 |
| Net loans and leases to core deposits | 105.0553% | 3,952 |
| Total domestic deposits to total assets | 82.6064% | 4,418 |
| Equity capital to assets | 8.5967% | 5,899 |
| Core capital (leverage) ratio | 7.7631% | 6,656 |
| Tier 1 risk-based capital ratio | 10.4227% | 6,453 |
| Total risk-based capital ratio | 11.4384% | 6,655 |
| Memoranda: | ||
| Average total assets | $223,614,330 | 2,930 |
| Average earning assets | $210,613,000 | 2,861 |
| Average equity | $19,578,670 | 3,311 |
| Average total loans | $143,719,000 | 3,085 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2760% | 1,372 |
| Cost of funding earning assets | 1.5493% | 6,238 |
| Net interest margin | 4.7266% | 728 |
| Noninterest income to average assets | 0.9417% | 1,681 |
| Noninterest expense to average assets | 3.1702% | 3,111 |
| Loan and lease loss provision to assets | 0.1645% | 4,825 |
| Net operating income to assets | 2.1002% | 284 |
| Return on assets (ROA) | 2.1002% | 330 |
| Pretax return on assets | 2.0623% | 585 |
| Return on Equity (ROE) | 23.7652% | 226 |
| Retained earnings to average equity (ytd only) | 8.5898% | 1,604 |
| Net charge-offs to loans | 0.1320% | 3,904 |
| Credit loss provision to net charge-offs | 193.6170% | 2,280 |
| Earnings coverage of net charge-offs (x) | 26.2128% | 1,183 |
| Efficiency ratio | 58.7408% | 6,581 |
| Assets per employee ($millions) | 3.0599% | 5,996 |
| Cash dividends to net income (ytd only)* | 63.8554% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 5,198 |
| Loan loss allowance to noncurrent loans | 118.9345% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.7698% | 5,243 |
| Noncurrent loans to loans | 0.9574% | 5,081 |
| Net loans and leases to total assets | 63.3458% | 5,096 |
| Net loans and leases to deposits | 74.7819% | 5,384 |
| Net loans and leases to core deposits | 99.9902% | 4,541 |
| Total domestic deposits to total assets | 84.7074% | 3,357 |
| Equity capital to assets | 8.6322% | 5,867 |
| Core capital (leverage) ratio | 7.9511% | 6,546 |
| Tier 1 risk-based capital ratio | 10.3037% | 6,589 |
| Total risk-based capital ratio | 11.2699% | 6,806 |
| Memoranda: | ||
| Average total assets | $221,308,000 | 2,973 |
| Average earning assets | $208,605,500 | 2,900 |
| Average equity | $19,558,000 | 3,331 |
| Average total loans | $142,378,500 | 3,127 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8350% | 1,568 |
| Cost of funding earning assets | 2.1257% | 5,947 |
| Net interest margin | 4.7092% | 952 |
| Noninterest income to average assets | 0.8408% | 2,293 |
| Noninterest expense to average assets | 3.1297% | 3,588 |
| Loan and lease loss provision to assets | 0.2414% | 4,494 |
| Net operating income to assets | 1.8750% | 460 |
| Return on assets (ROA) | 1.9986% | 335 |
| Pretax return on assets | 1.9986% | 605 |
| Return on Equity (ROE) | 23.5772% | 189 |
| Retained earnings to average equity (ytd only) | 10.2832% | 416 |
| Net charge-offs to loans | 0.2734% | 3,579 |
| Credit loss provision to net charge-offs | 138.0435% | 3,856 |
| Earnings coverage of net charge-offs (x) | 12.1005% | 2,290 |
| Efficiency ratio | 59.6575% | 6,410 |
| Assets per employee ($millions) | 2.8825% | 6,362 |
| Cash dividends to net income (ytd only)* | 56.3853% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1513% | 4,908 |
| Loan loss allowance to noncurrent loans | 139.7046% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.7003% | 5,123 |
| Noncurrent loans to loans | 0.8241% | 4,988 |
| Net loans and leases to total assets | 63.8631% | 5,297 |
| Net loans and leases to deposits | 77.8697% | 5,361 |
| Net loans and leases to core deposits | 103.1684% | 4,487 |
| Total domestic deposits to total assets | 82.0127% | 4,197 |
| Equity capital to assets | 9.0524% | 5,303 |
| Core capital (leverage) ratio | 7.9795% | 6,529 |
| Tier 1 risk-based capital ratio | 10.4212% | 6,294 |
| Total risk-based capital ratio | 11.3957% | 6,443 |
| Memoranda: | ||
| Average total assets | $210,402,200 | 3,004 |
| Average earning assets | $196,826,400 | 2,924 |
| Average equity | $17,835,000 | 3,580 |
| Average total loans | $134,588,000 | 3,186 |