Home > The First National Bank & Trust > Performance and Condition Ratios
The First National Bank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4270% | 1,265 |
| Cost of funding earning assets | 1.5453% | 1,823 |
| Net interest margin | 3.8817% | 1,413 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 2.1091% | 3,387 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 2.2945% | 304 |
| Return on assets (ROA) | 2.2665% | 305 |
| Pretax return on assets | 2.2665% | 452 |
| Return on Equity (ROE) | 33.3200% | 140 |
| Retained earnings to average equity (ytd only) | 3.8597% | 3,009 |
| Net charge-offs to loans | -0.0221% | 4,192 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 47.8966% | 4,096 |
| Assets per employee ($millions) | 7.4445% | 1,770 |
| Cash dividends to net income (ytd only)* | 88.4152% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9599% | 409 |
| Loan loss allowance to noncurrent loans | 783.8889% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.1151% | 2,764 |
| Noncurrent loans to loans | 0.2500% | 2,301 |
| Net loans and leases to total assets | 45.1500% | 3,855 |
| Net loans and leases to deposits | 49.2511% | 3,966 |
| Net loans and leases to core deposits | 54.3973% | 3,967 |
| Total domestic deposits to total assets | 91.6700% | 363 |
| Equity capital to assets | 7.5563% | 3,682 |
| Core capital (leverage) ratio | 11.6115% | 1,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $307,340,800 | 2,394 |
| Average earning assets | $298,398,000 | 2,317 |
| Average equity | $20,908,200 | 2,785 |
| Average total loans | $144,795,200 | 2,717 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2443% | 1,367 |
| Cost of funding earning assets | 1.3695% | 1,952 |
| Net interest margin | 3.8748% | 1,453 |
| Noninterest income to average assets | 0.6500% | 1,345 |
| Noninterest expense to average assets | 2.0535% | 3,459 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 2.3807% | 297 |
| Return on assets (ROA) | 2.3637% | 295 |
| Pretax return on assets | 2.3637% | 444 |
| Return on Equity (ROE) | 35.7600% | 155 |
| Retained earnings to average equity (ytd only) | 7.9818% | 1,974 |
| Net charge-offs to loans | -0.0395% | 4,316 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 46.3983% | 4,114 |
| Assets per employee ($millions) | 7.5567% | 1,597 |
| Cash dividends to net income (ytd only)* | 77.6774% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9089% | 471 |
| Loan loss allowance to noncurrent loans | 127.0014% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.7136% | 791 |
| Noncurrent loans to loans | 1.5031% | 483 |
| Net loans and leases to total assets | 46.5700% | 3,806 |
| Net loans and leases to deposits | 49.4364% | 3,958 |
| Net loans and leases to core deposits | 53.6745% | 3,949 |
| Total domestic deposits to total assets | 94.2100% | 169 |
| Equity capital to assets | 5.6487% | 4,094 |
| Core capital (leverage) ratio | 12.2376% | 1,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $306,009,250 | 2,405 |
| Average earning assets | $297,230,750 | 2,326 |
| Average equity | $20,228,750 | 2,825 |
| Average total loans | $144,998,000 | 2,716 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1630% | 1,271 |
| Cost of funding earning assets | 1.2161% | 1,940 |
| Net interest margin | 3.9469% | 1,333 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.0798% | 3,400 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 2.3824% | 274 |
| Return on assets (ROA) | 2.3568% | 280 |
| Pretax return on assets | 2.3568% | 427 |
| Return on Equity (ROE) | 33.9800% | 161 |
| Retained earnings to average equity (ytd only) | 7.7775% | 2,043 |
| Net charge-offs to loans | -0.0527% | 4,383 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 46.7959% | 4,125 |
| Assets per employee ($millions) | 7.2170% | 1,777 |
| Cash dividends to net income (ytd only)* | 77.1094% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9619% | 447 |
| Loan loss allowance to noncurrent loans | 119.5383% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.7905% | 644 |
| Noncurrent loans to loans | 1.6413% | 389 |
| Net loans and leases to total assets | 47.2200% | 3,731 |
| Net loans and leases to deposits | 50.9818% | 3,879 |
| Net loans and leases to core deposits | 54.0667% | 3,888 |
| Total domestic deposits to total assets | 92.6200% | 306 |
| Equity capital to assets | 7.2322% | 3,676 |
| Core capital (leverage) ratio | 12.2274% | 1,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $304,737,000 | 2,419 |
| Average earning assets | $295,875,667 | 2,338 |
| Average equity | $21,138,000 | 2,761 |
| Average total loans | $144,297,667 | 2,721 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0355% | 1,165 |
| Cost of funding earning assets | 0.9919% | 2,076 |
| Net interest margin | 4.0436% | 1,190 |
| Noninterest income to average assets | 0.6500% | 1,252 |
| Noninterest expense to average assets | 2.0973% | 3,391 |
| Loan and lease loss provision to assets | -0.0200% | 4,456 |
| Net operating income to assets | 2.5036% | 241 |
| Return on assets (ROA) | 2.5036% | 239 |
| Pretax return on assets | 2.5036% | 357 |
| Return on Equity (ROE) | 36.8400% | 137 |
| Retained earnings to average equity (ytd only) | 11.6342% | 1,333 |
| Net charge-offs to loans | -0.0496% | 4,356 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 45.7038% | 4,236 |
| Assets per employee ($millions) | 7.5002% | 1,621 |
| Cash dividends to net income (ytd only)* | 68.4238% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9649% | 472 |
| Loan loss allowance to noncurrent loans | 549.2218% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.1671% | 2,331 |
| Noncurrent loans to loans | 0.3578% | 1,863 |
| Net loans and leases to total assets | 45.8000% | 3,780 |
| Net loans and leases to deposits | 49.5584% | 3,908 |
| Net loans and leases to core deposits | 52.5977% | 3,884 |
| Total domestic deposits to total assets | 92.4200% | 419 |
| Equity capital to assets | 7.0219% | 3,818 |
| Core capital (leverage) ratio | 11.8398% | 1,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $309,156,500 | 2,411 |
| Average earning assets | $300,427,000 | 2,341 |
| Average equity | $21,007,000 | 2,796 |
| Average total loans | $145,190,500 | 2,749 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1645% | 1,322 |
| Cost of funding earning assets | 0.3579% | 2,419 |
| Net interest margin | 3.8065% | 1,148 |
| Noninterest income to average assets | 0.6800% | 1,362 |
| Noninterest expense to average assets | 2.0502% | 3,440 |
| Loan and lease loss provision to assets | -0.1900% | 4,620 |
| Net operating income to assets | 2.5128% | 144 |
| Return on assets (ROA) | 2.4226% | 153 |
| Pretax return on assets | 2.4226% | 222 |
| Return on Equity (ROE) | 28.9500% | 130 |
| Retained earnings to average equity (ytd only) | 6.2971% | 2,535 |
| Net charge-offs to loans | 0.0667% | 981 |
| Credit loss provision to net charge-offs | -607.0707% | 4,638 |
| Earnings coverage of net charge-offs (x) | 73.8788% | 1,130 |
| Efficiency ratio | 46.7833% | 4,306 |
| Assets per employee ($millions) | 7.2280% | 1,800 |
| Cash dividends to net income (ytd only)* | 78.2466% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9426% | 481 |
| Loan loss allowance to noncurrent loans | 341.7266% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.2683% | 1,813 |
| Noncurrent loans to loans | 0.5685% | 1,309 |
| Net loans and leases to total assets | 46.2900% | 3,782 |
| Net loans and leases to deposits | 49.9767% | 3,900 |
| Net loans and leases to core deposits | 52.7642% | 3,878 |
| Total domestic deposits to total assets | 92.6200% | 486 |
| Equity capital to assets | 6.5704% | 3,873 |
| Core capital (leverage) ratio | 11.4278% | 1,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $314,993,000 | 2,378 |
| Average earning assets | $305,370,400 | 2,311 |
| Average equity | $26,361,400 | 2,510 |
| Average total loans | $148,358,400 | 2,649 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9426% | 1,378 |
| Cost of funding earning assets | 0.2743% | 2,443 |
| Net interest margin | 3.6684% | 1,223 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.0157% | 3,440 |
| Loan and lease loss provision to assets | -0.2700% | 4,696 |
| Net operating income to assets | 2.5397% | 148 |
| Return on assets (ROA) | 2.5275% | 150 |
| Pretax return on assets | 2.5275% | 209 |
| Return on Equity (ROE) | 28.6900% | 117 |
| Retained earnings to average equity (ytd only) | 10.8736% | 1,088 |
| Net charge-offs to loans | 0.0439% | 1,050 |
| Credit loss provision to net charge-offs | -1,328.5714% | 4,729 |
| Earnings coverage of net charge-offs (x) | 109.5714% | 901 |
| Efficiency ratio | 46.9794% | 4,328 |
| Assets per employee ($millions) | 7.7285% | 1,461 |
| Cash dividends to net income (ytd only)* | 62.0931% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9414% | 558 |
| Loan loss allowance to noncurrent loans | 269.1218% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.3737% | 1,450 |
| Noncurrent loans to loans | 0.7214% | 1,131 |
| Net loans and leases to total assets | 45.4300% | 3,793 |
| Net loans and leases to deposits | 48.3038% | 3,942 |
| Net loans and leases to core deposits | 51.2770% | 3,891 |
| Total domestic deposits to total assets | 94.0500% | 348 |
| Equity capital to assets | 5.8936% | 4,004 |
| Core capital (leverage) ratio | 11.5762% | 1,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $316,040,500 | 2,390 |
| Average earning assets | $306,250,000 | 2,316 |
| Average equity | $27,846,500 | 2,469 |
| Average total loans | $148,770,000 | 2,653 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7686% | 1,374 |
| Cost of funding earning assets | 0.2222% | 2,621 |
| Net interest margin | 3.5464% | 1,189 |
| Noninterest income to average assets | 0.5339% | 2,024 |
| Noninterest expense to average assets | 1.9717% | 3,508 |
| Loan and lease loss provision to assets | -0.2521% | 4,709 |
| Net operating income to assets | 2.2409% | 153 |
| Return on assets (ROA) | 2.2409% | 153 |
| Pretax return on assets | 2.2409% | 231 |
| Return on Equity (ROE) | 22.8970% | 167 |
| Retained earnings to average equity (ytd only) | 8.1414% | 1,566 |
| Net charge-offs to loans | -0.0642% | 4,324 |
| Credit loss provision to net charge-offs | 829.1667% | 468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6722% | 4,267 |
| Assets per employee ($millions) | 7.6975% | 1,480 |
| Cash dividends to net income (ytd only)* | 64.4432% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1612% | 405 |
| Loan loss allowance to noncurrent loans | 164.2710% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.6172% | 898 |
| Noncurrent loans to loans | 1.3156% | 599 |
| Net loans and leases to total assets | 45.9030% | 3,716 |
| Net loans and leases to deposits | 49.2527% | 3,850 |
| Net loans and leases to core deposits | 52.2391% | 3,805 |
| Total domestic deposits to total assets | 93.1989% | 467 |
| Equity capital to assets | 6.7599% | 3,901 |
| Core capital (leverage) ratio | 11.3800% | 1,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $315,765,000 | 2,404 |
| Average earning assets | $305,102,333 | 2,350 |
| Average equity | $30,903,667 | 2,379 |
| Average total loans | $149,426,333 | 2,650 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6603% | 1,366 |
| Cost of funding earning assets | 0.1761% | 3,142 |
| Net interest margin | 3.4842% | 1,122 |
| Noninterest income to average assets | 0.5572% | 1,874 |
| Noninterest expense to average assets | 1.8515% | 3,807 |
| Loan and lease loss provision to assets | -0.0253% | 4,464 |
| Net operating income to assets | 2.0883% | 191 |
| Return on assets (ROA) | 2.0883% | 190 |
| Pretax return on assets | 2.0883% | 305 |
| Return on Equity (ROE) | 18.4821% | 302 |
| Retained earnings to average equity (ytd only) | 5.7049% | 2,352 |
| Net charge-offs to loans | -0.0533% | 4,276 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1692% | 4,445 |
| Assets per employee ($millions) | 7.6525% | 1,585 |
| Cash dividends to net income (ytd only)* | 69.1328% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3670% | 332 |
| Loan loss allowance to noncurrent loans | 433.4554% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.3235% | 1,817 |
| Noncurrent loans to loans | 0.5461% | 1,671 |
| Net loans and leases to total assets | 46.6695% | 3,519 |
| Net loans and leases to deposits | 52.1534% | 3,559 |
| Net loans and leases to core deposits | 55.1490% | 3,514 |
| Total domestic deposits to total assets | 89.4850% | 1,821 |
| Equity capital to assets | 10.0618% | 1,846 |
| Core capital (leverage) ratio | 11.4626% | 1,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $315,849,500 | 2,417 |
| Average earning assets | $304,342,500 | 2,369 |
| Average equity | $35,688,500 | 2,229 |
| Average total loans | $150,105,500 | 2,628 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8854% | 1,655 |
| Cost of funding earning assets | 0.2255% | 3,190 |
| Net interest margin | 3.6600% | 1,318 |
| Noninterest income to average assets | 0.5841% | 2,227 |
| Noninterest expense to average assets | 2.0330% | 3,573 |
| Loan and lease loss provision to assets | 0.0151% | 2,778 |
| Net operating income to assets | 2.0371% | 318 |
| Return on assets (ROA) | 2.0599% | 317 |
| Pretax return on assets | 2.0599% | 545 |
| Return on Equity (ROE) | 15.6674% | 812 |
| Retained earnings to average equity (ytd only) | 2.5046% | 3,828 |
| Net charge-offs to loans | 0.0302% | 1,635 |
| Credit loss provision to net charge-offs | 100.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | 136.0426% | 721 |
| Efficiency ratio | 49.6464% | 4,309 |
| Assets per employee ($millions) | 7.5702% | 1,574 |
| Cash dividends to net income (ytd only)* | 84.0137% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3630% | 349 |
| Loan loss allowance to noncurrent loans | 474.5989% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.2969% | 2,054 |
| Noncurrent loans to loans | 0.4979% | 1,881 |
| Net loans and leases to total assets | 46.1349% | 3,682 |
| Net loans and leases to deposits | 53.1575% | 3,653 |
| Net loans and leases to core deposits | 56.2589% | 3,599 |
| Total domestic deposits to total assets | 86.7890% | 2,584 |
| Equity capital to assets | 12.5203% | 1,053 |
| Core capital (leverage) ratio | 11.4047% | 1,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $311,565,200 | 2,386 |
| Average earning assets | $298,035,600 | 2,344 |
| Average equity | $40,964,000 | 2,055 |
| Average total loans | $155,372,800 | 2,584 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0262% | 1,475 |
| Cost of funding earning assets | 0.2411% | 3,199 |
| Net interest margin | 3.7851% | 1,145 |
| Noninterest income to average assets | 0.5945% | 2,237 |
| Noninterest expense to average assets | 1.9834% | 3,733 |
| Loan and lease loss provision to assets | 0.0048% | 2,881 |
| Net operating income to assets | 2.2251% | 308 |
| Return on assets (ROA) | 2.3193% | 278 |
| Pretax return on assets | 2.3193% | 454 |
| Return on Equity (ROE) | 17.4270% | 701 |
| Retained earnings to average equity (ytd only) | 5.7271% | 2,943 |
| Net charge-offs to loans | 0.0094% | 1,968 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | 471.2727% | 315 |
| Efficiency ratio | 46.9627% | 4,446 |
| Assets per employee ($millions) | 7.7180% | 1,436 |
| Cash dividends to net income (ytd only)* | 67.1365% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3752% | 346 |
| Loan loss allowance to noncurrent loans | 598.6509% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.2493% | 2,535 |
| Noncurrent loans to loans | 0.3968% | 2,370 |
| Net loans and leases to total assets | 46.1109% | 3,781 |
| Net loans and leases to deposits | 53.2710% | 3,794 |
| Net loans and leases to core deposits | 56.4931% | 3,736 |
| Total domestic deposits to total assets | 86.5591% | 2,526 |
| Equity capital to assets | 13.2807% | 910 |
| Core capital (leverage) ratio | 11.7797% | 1,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $309,969,500 | 2,414 |
| Average earning assets | $296,351,000 | 2,374 |
| Average equity | $41,253,000 | 2,066 |
| Average total loans | $156,657,250 | 2,616 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0063% | 1,552 |
| Cost of funding earning assets | 0.2631% | 3,162 |
| Net interest margin | 3.7432% | 1,233 |
| Noninterest income to average assets | 0.5653% | 2,353 |
| Noninterest expense to average assets | 2.0032% | 3,688 |
| Loan and lease loss provision to assets | 0.0117% | 2,708 |
| Net operating income to assets | 2.1188% | 392 |
| Return on assets (ROA) | 2.2572% | 321 |
| Pretax return on assets | 2.2572% | 517 |
| Return on Equity (ROE) | 16.9481% | 791 |
| Retained earnings to average equity (ytd only) | 6.0201% | 2,796 |
| Net charge-offs to loans | 0.0226% | 1,492 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | 182.1667% | 527 |
| Efficiency ratio | 48.3496% | 4,362 |
| Assets per employee ($millions) | 7.6538% | 1,391 |
| Cash dividends to net income (ytd only)* | 64.4790% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2804% | 380 |
| Loan loss allowance to noncurrent loans | 270.3732% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.4184% | 1,935 |
| Noncurrent loans to loans | 0.8434% | 1,458 |
| Net loans and leases to total assets | 48.4782% | 3,680 |
| Net loans and leases to deposits | 56.0595% | 3,706 |
| Net loans and leases to core deposits | 59.5619% | 3,654 |
| Total domestic deposits to total assets | 86.4763% | 2,558 |
| Equity capital to assets | 13.1913% | 893 |
| Core capital (leverage) ratio | 11.7113% | 1,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $307,813,667 | 2,411 |
| Average earning assets | $293,435,333 | 2,384 |
| Average equity | $40,995,667 | 2,063 |
| Average total loans | $159,055,667 | 2,607 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8090% | 2,076 |
| Cost of funding earning assets | 0.2883% | 3,117 |
| Net interest margin | 3.5207% | 1,774 |
| Noninterest income to average assets | 0.6299% | 2,091 |
| Noninterest expense to average assets | 1.9330% | 3,903 |
| Loan and lease loss provision to assets | 0.0131% | 2,611 |
| Net operating income to assets | 2.0327% | 549 |
| Return on assets (ROA) | 2.0327% | 590 |
| Pretax return on assets | 2.0327% | 902 |
| Return on Equity (ROE) | 15.1878% | 1,168 |
| Retained earnings to average equity (ytd only) | 7.3439% | 2,467 |
| Net charge-offs to loans | 0.0249% | 1,257 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | 155.9000% | 474 |
| Efficiency ratio | 48.4499% | 4,311 |
| Assets per employee ($millions) | 7.5158% | 1,441 |
| Cash dividends to net income (ytd only)* | 51.6462% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2107% | 418 |
| Loan loss allowance to noncurrent loans | 144.5440% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.8311% | 1,070 |
| Noncurrent loans to loans | 1.5294% | 811 |
| Net loans and leases to total assets | 50.9611% | 3,539 |
| Net loans and leases to deposits | 58.8850% | 3,572 |
| Net loans and leases to core deposits | 62.5555% | 3,537 |
| Total domestic deposits to total assets | 86.5434% | 2,506 |
| Equity capital to assets | 13.0665% | 895 |
| Core capital (leverage) ratio | 11.9043% | 1,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $304,818,000 | 2,418 |
| Average earning assets | $289,942,000 | 2,383 |
| Average equity | $40,796,000 | 2,054 |
| Average total loans | $160,745,000 | 2,592 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9754% | 2,804 |
| Cost of funding earning assets | 0.4983% | 2,960 |
| Net interest margin | 3.4771% | 2,542 |
| Noninterest income to average assets | 0.5862% | 2,271 |
| Noninterest expense to average assets | 2.1126% | 3,910 |
| Loan and lease loss provision to assets | 0.0573% | 3,649 |
| Net operating income to assets | 1.7737% | 414 |
| Return on assets (ROA) | 1.9255% | 327 |
| Pretax return on assets | 1.9255% | 530 |
| Return on Equity (ROE) | 14.7023% | 689 |
| Retained earnings to average equity (ytd only) | 5.5294% | 2,030 |
| Net charge-offs to loans | 0.0445% | 2,175 |
| Credit loss provision to net charge-offs | 235.1351% | 1,992 |
| Earnings coverage of net charge-offs (x) | 75.1351% | 931 |
| Efficiency ratio | 53.4447% | 4,263 |
| Assets per employee ($millions) | 7.3534% | 1,363 |
| Cash dividends to net income (ytd only)* | 62.3910% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2063% | 403 |
| Loan loss allowance to noncurrent loans | 134.1648% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.9509% | 1,016 |
| Noncurrent loans to loans | 1.6444% | 800 |
| Net loans and leases to total assets | 52.1926% | 3,647 |
| Net loans and leases to deposits | 61.0215% | 3,679 |
| Net loans and leases to core deposits | 64.9288% | 3,635 |
| Total domestic deposits to total assets | 85.5315% | 2,556 |
| Equity capital to assets | 14.2453% | 742 |
| Core capital (leverage) ratio | 12.2639% | 1,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $303,661,000 | 2,280 |
| Average earning assets | $293,205,800 | 2,218 |
| Average equity | $39,769,400 | 2,027 |
| Average total loans | $166,374,400 | 2,516 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0209% | 2,912 |
| Cost of funding earning assets | 0.5460% | 2,958 |
| Net interest margin | 3.4749% | 2,675 |
| Noninterest income to average assets | 0.5777% | 2,267 |
| Noninterest expense to average assets | 2.0950% | 3,958 |
| Loan and lease loss provision to assets | 0.0736% | 3,401 |
| Net operating income to assets | 1.7760% | 479 |
| Return on assets (ROA) | 1.9780% | 342 |
| Pretax return on assets | 1.9780% | 540 |
| Return on Equity (ROE) | 15.4387% | 620 |
| Retained earnings to average equity (ytd only) | 2.9591% | 3,540 |
| Net charge-offs to loans | 0.0540% | 1,835 |
| Credit loss provision to net charge-offs | 247.0588% | 1,934 |
| Earnings coverage of net charge-offs (x) | 62.0588% | 1,079 |
| Efficiency ratio | 52.9889% | 4,254 |
| Assets per employee ($millions) | 7.0709% | 1,449 |
| Cash dividends to net income (ytd only)* | 80.8331% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1615% | 375 |
| Loan loss allowance to noncurrent loans | 127.8818% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 1.0045% | 1,104 |
| Noncurrent loans to loans | 1.6902% | 811 |
| Net loans and leases to total assets | 54.1077% | 3,794 |
| Net loans and leases to deposits | 63.0830% | 3,856 |
| Net loans and leases to core deposits | 67.2002% | 3,810 |
| Total domestic deposits to total assets | 85.7723% | 2,156 |
| Equity capital to assets | 13.9055% | 886 |
| Core capital (leverage) ratio | 11.7465% | 1,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $304,204,000 | 2,256 |
| Average earning assets | $294,752,750 | 2,187 |
| Average equity | $38,974,750 | 2,048 |
| Average total loans | $167,741,750 | 2,510 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0704% | 3,124 |
| Cost of funding earning assets | 0.6136% | 2,901 |
| Net interest margin | 3.4569% | 2,928 |
| Noninterest income to average assets | 0.5623% | 2,294 |
| Noninterest expense to average assets | 1.9849% | 4,261 |
| Loan and lease loss provision to assets | 0.1246% | 2,781 |
| Net operating income to assets | 1.8081% | 490 |
| Return on assets (ROA) | 2.1088% | 288 |
| Pretax return on assets | 2.1088% | 432 |
| Return on Equity (ROE) | 16.9263% | 463 |
| Retained earnings to average equity (ytd only) | 5.3664% | 2,324 |
| Net charge-offs to loans | 0.1077% | 1,217 |
| Credit loss provision to net charge-offs | 209.8901% | 1,875 |
| Earnings coverage of net charge-offs (x) | 32.5604% | 1,372 |
| Efficiency ratio | 50.5495% | 4,469 |
| Assets per employee ($millions) | 7.2914% | 1,284 |
| Cash dividends to net income (ytd only)* | 68.2957% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0527% | 404 |
| Loan loss allowance to noncurrent loans | 64.2999% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 1.8024% | 439 |
| Noncurrent loans to loans | 3.1925% | 283 |
| Net loans and leases to total assets | 54.0266% | 3,871 |
| Net loans and leases to deposits | 62.4446% | 3,976 |
| Net loans and leases to core deposits | 66.7706% | 3,937 |
| Total domestic deposits to total assets | 86.5193% | 1,799 |
| Equity capital to assets | 13.1356% | 1,106 |
| Core capital (leverage) ratio | 11.3351% | 1,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $306,613,333 | 2,211 |
| Average earning assets | $297,609,667 | 2,139 |
| Average equity | $38,201,000 | 2,073 |
| Average total loans | $168,910,000 | 2,476 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2260% | 3,134 |
| Cost of funding earning assets | 0.7279% | 2,791 |
| Net interest margin | 3.4980% | 2,993 |
| Noninterest income to average assets | 0.6360% | 1,877 |
| Noninterest expense to average assets | 2.0676% | 4,281 |
| Loan and lease loss provision to assets | 0.0818% | 2,676 |
| Net operating income to assets | 1.8789% | 348 |
| Return on assets (ROA) | 2.4674% | 124 |
| Pretax return on assets | 2.4674% | 176 |
| Return on Equity (ROE) | 20.3762% | 150 |
| Retained earnings to average equity (ytd only) | 9.3927% | 872 |
| Net charge-offs to loans | 0.1486% | 863 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 23.9677% | 1,316 |
| Efficiency ratio | 51.1955% | 4,600 |
| Assets per employee ($millions) | 7.0155% | 1,081 |
| Cash dividends to net income (ytd only)* | 53.9037% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0725% | 452 |
| Loan loss allowance to noncurrent loans | 95.5943% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 1.2587% | 957 |
| Noncurrent loans to loans | 2.1680% | 619 |
| Net loans and leases to total assets | 54.0379% | 3,989 |
| Net loans and leases to deposits | 61.3290% | 4,140 |
| Net loans and leases to core deposits | 66.0731% | 4,078 |
| Total domestic deposits to total assets | 88.1114% | 1,064 |
| Equity capital to assets | 11.8279% | 2,197 |
| Core capital (leverage) ratio | 11.6180% | 1,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $303,155,500 | 2,194 |
| Average earning assets | $293,993,000 | 2,113 |
| Average equity | $36,709,500 | 2,123 |
| Average total loans | $166,895,500 | 2,472 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5761% | 2,694 |
| Cost of funding earning assets | 0.8664% | 2,351 |
| Net interest margin | 3.7097% | 2,791 |
| Noninterest income to average assets | 0.3726% | 3,467 |
| Noninterest expense to average assets | 2.0473% | 4,453 |
| Loan and lease loss provision to assets | -0.0484% | 5,017 |
| Net operating income to assets | 1.9735% | 378 |
| Return on assets (ROA) | 1.9813% | 382 |
| Pretax return on assets | 1.9813% | 624 |
| Return on Equity (ROE) | 16.9300% | 428 |
| Retained earnings to average equity (ytd only) | 1.8447% | 4,060 |
| Net charge-offs to loans | -0.1027% | 4,961 |
| Credit loss provision to net charge-offs | 85.6322% | 2,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5305% | 4,638 |
| Assets per employee ($millions) | 6.7698% | 1,142 |
| Cash dividends to net income (ytd only)* | 89.1040% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0618% | 414 |
| Loan loss allowance to noncurrent loans | 413.6691% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.3328% | 3,092 |
| Noncurrent loans to loans | 0.4984% | 2,691 |
| Net loans and leases to total assets | 53.7928% | 4,086 |
| Net loans and leases to deposits | 61.4405% | 4,215 |
| Net loans and leases to core deposits | 66.2005% | 4,184 |
| Total domestic deposits to total assets | 87.5526% | 1,343 |
| Equity capital to assets | 12.3876% | 1,893 |
| Core capital (leverage) ratio | 11.3334% | 2,225 |
| Tier 1 risk-based capital ratio | 19.7655% | 1,358 |
| Total risk-based capital ratio | 21.0242% | 1,330 |
| Memoranda: | ||
| Average total assets | $307,569,200 | 2,119 |
| Average earning assets | $298,460,600 | 2,036 |
| Average equity | $35,995,200 | 2,095 |
| Average total loans | $169,493,800 | 2,414 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6054% | 2,705 |
| Cost of funding earning assets | 0.8850% | 2,295 |
| Net interest margin | 3.7205% | 2,852 |
| Noninterest income to average assets | 0.3542% | 3,607 |
| Noninterest expense to average assets | 2.0235% | 4,506 |
| Loan and lease loss provision to assets | -0.0255% | 5,089 |
| Net operating income to assets | 1.9669% | 421 |
| Return on assets (ROA) | 1.9682% | 440 |
| Pretax return on assets | 1.9682% | 738 |
| Return on Equity (ROE) | 17.0639% | 468 |
| Retained earnings to average equity (ytd only) | 3.4158% | 3,702 |
| Net charge-offs to loans | -0.0659% | 4,895 |
| Credit loss provision to net charge-offs | 70.2381% | 2,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0362% | 4,670 |
| Assets per employee ($millions) | 6.9393% | 1,044 |
| Cash dividends to net income (ytd only)* | 79.9824% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0578% | 418 |
| Loan loss allowance to noncurrent loans | 224.1715% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.5312% | 2,411 |
| Noncurrent loans to loans | 0.9180% | 1,742 |
| Net loans and leases to total assets | 53.7798% | 4,199 |
| Net loans and leases to deposits | 61.5071% | 4,315 |
| Net loans and leases to core deposits | 66.3732% | 4,253 |
| Total domestic deposits to total assets | 87.4369% | 1,288 |
| Equity capital to assets | 12.4773% | 1,926 |
| Core capital (leverage) ratio | 11.2579% | 2,419 |
| Tier 1 risk-based capital ratio | 19.8103% | 1,397 |
| Total risk-based capital ratio | 21.0687% | 1,360 |
| Memoranda: | ||
| Average total assets | $308,300,750 | 2,133 |
| Average earning assets | $299,203,500 | 2,040 |
| Average equity | $35,559,500 | 2,129 |
| Average total loans | $170,035,750 | 2,440 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5553% | 2,825 |
| Cost of funding earning assets | 0.8617% | 2,343 |
| Net interest margin | 3.6936% | 2,949 |
| Noninterest income to average assets | 0.2199% | 4,428 |
| Noninterest expense to average assets | 2.0647% | 4,477 |
| Loan and lease loss provision to assets | -0.1371% | 5,225 |
| Net operating income to assets | 1.8733% | 511 |
| Return on assets (ROA) | 1.8753% | 533 |
| Pretax return on assets | 1.8753% | 880 |
| Return on Equity (ROE) | 16.7081% | 496 |
| Retained earnings to average equity (ytd only) | 4.0330% | 3,231 |
| Net charge-offs to loans | -0.2775% | 5,177 |
| Credit loss provision to net charge-offs | 89.4515% | 2,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3212% | 4,435 |
| Assets per employee ($millions) | 7.1481% | 934 |
| Cash dividends to net income (ytd only)* | 75.8621% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0569% | 423 |
| Loan loss allowance to noncurrent loans | 166.3452% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.6893% | 1,988 |
| Noncurrent loans to loans | 1.2365% | 1,291 |
| Net loans and leases to total assets | 52.2318% | 4,339 |
| Net loans and leases to deposits | 59.3208% | 4,463 |
| Net loans and leases to core deposits | 64.3267% | 4,400 |
| Total domestic deposits to total assets | 88.0499% | 1,084 |
| Equity capital to assets | 11.8529% | 2,301 |
| Core capital (leverage) ratio | 11.1217% | 2,488 |
| Tier 1 risk-based capital ratio | 19.6548% | 1,412 |
| Total risk-based capital ratio | 20.9131% | 1,383 |
| Memoranda: | ||
| Average total assets | $309,291,000 | 2,124 |
| Average earning assets | $299,871,330 | 2,039 |
| Average equity | $34,713,670 | 2,153 |
| Average total loans | $170,829,000 | 2,447 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4914% | 2,903 |
| Cost of funding earning assets | 0.8245% | 2,401 |
| Net interest margin | 3.6670% | 3,019 |
| Noninterest income to average assets | 0.2269% | 4,383 |
| Noninterest expense to average assets | 2.0008% | 4,640 |
| Loan and lease loss provision to assets | 0.0157% | 3,233 |
| Net operating income to assets | 1.7608% | 637 |
| Return on assets (ROA) | 1.7608% | 654 |
| Pretax return on assets | 1.7608% | 1,073 |
| Return on Equity (ROE) | 16.1527% | 572 |
| Retained earnings to average equity (ytd only) | 4.1877% | 3,245 |
| Net charge-offs to loans | -0.0302% | 4,646 |
| Credit loss provision to net charge-offs | -92.3077% | 3,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9696% | 4,620 |
| Assets per employee ($millions) | 7.0551% | 982 |
| Cash dividends to net income (ytd only)* | 74.0741% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0399% | 463 |
| Loan loss allowance to noncurrent loans | 121.0526% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 1.6245% | 696 |
| Noncurrent loans to loans | 1.6851% | 924 |
| Net loans and leases to total assets | 53.3705% | 4,246 |
| Net loans and leases to deposits | 60.0748% | 4,406 |
| Net loans and leases to core deposits | 63.8603% | 4,388 |
| Total domestic deposits to total assets | 88.8402% | 939 |
| Equity capital to assets | 11.0613% | 2,789 |
| Core capital (leverage) ratio | 11.1017% | 2,474 |
| Tier 1 risk-based capital ratio | 19.1698% | 1,510 |
| Total risk-based capital ratio | 20.4279% | 1,479 |
| Memoranda: | ||
| Average total assets | $306,679,000 | 2,159 |
| Average earning assets | $296,921,000 | 2,065 |
| Average equity | $33,431,000 | 2,222 |
| Average total loans | $172,380,000 | 2,453 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3261% | 3,023 |
| Cost of funding earning assets | 0.6198% | 2,591 |
| Net interest margin | 3.7064% | 3,011 |
| Noninterest income to average assets | 0.5727% | 2,434 |
| Noninterest expense to average assets | 2.1413% | 4,466 |
| Loan and lease loss provision to assets | 0.1502% | 1,411 |
| Net operating income to assets | 1.8594% | 494 |
| Return on assets (ROA) | 1.8691% | 479 |
| Pretax return on assets | 1.8691% | 773 |
| Return on Equity (ROE) | 17.8668% | 404 |
| Retained earnings to average equity (ytd only) | 1.6382% | 4,487 |
| Net charge-offs to loans | 0.2186% | 880 |
| Credit loss provision to net charge-offs | 119.0355% | 2,185 |
| Earnings coverage of net charge-offs (x) | 15.9239% | 2,290 |
| Efficiency ratio | 51.5858% | 4,828 |
| Assets per employee ($millions) | 6.5855% | 1,179 |
| Cash dividends to net income (ytd only)* | 90.8312% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9501% | 523 |
| Loan loss allowance to noncurrent loans | 76.2127% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 1.5878% | 716 |
| Noncurrent loans to loans | 2.5587% | 465 |
| Net loans and leases to total assets | 56.8474% | 4,062 |
| Net loans and leases to deposits | 64.1520% | 4,248 |
| Net loans and leases to core deposits | 67.9610% | 4,239 |
| Total domestic deposits to total assets | 88.6136% | 1,020 |
| Equity capital to assets | 10.7367% | 2,941 |
| Core capital (leverage) ratio | 10.8207% | 2,710 |
| Tier 1 risk-based capital ratio | 18.5575% | 1,605 |
| Total risk-based capital ratio | 19.8147% | 1,555 |
| Memoranda: | ||
| Average total assets | $312,190,600 | 2,078 |
| Average earning assets | $301,400,400 | 2,017 |
| Average equity | $32,658,400 | 2,174 |
| Average total loans | $180,239,600 | 2,331 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2791% | 3,041 |
| Cost of funding earning assets | 0.5690% | 2,715 |
| Net interest margin | 3.7101% | 2,984 |
| Noninterest income to average assets | 0.5566% | 2,538 |
| Noninterest expense to average assets | 2.1464% | 4,442 |
| Loan and lease loss provision to assets | 0.0733% | 2,486 |
| Net operating income to assets | 1.9141% | 466 |
| Return on assets (ROA) | 1.9141% | 466 |
| Pretax return on assets | 1.9141% | 799 |
| Return on Equity (ROE) | 18.4140% | 388 |
| Retained earnings to average equity (ytd only) | 3.7317% | 3,904 |
| Net charge-offs to loans | -0.2036% | 5,300 |
| Credit loss provision to net charge-offs | -62.4549% | 4,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9229% | 4,820 |
| Assets per employee ($millions) | 6.9260% | 962 |
| Cash dividends to net income (ytd only)* | 79.7342% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1263% | 401 |
| Loan loss allowance to noncurrent loans | 78.6098% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 1.7570% | 679 |
| Noncurrent loans to loans | 2.7049% | 451 |
| Net loans and leases to total assets | 56.1219% | 4,211 |
| Net loans and leases to deposits | 62.6202% | 4,417 |
| Net loans and leases to core deposits | 66.4917% | 4,383 |
| Total domestic deposits to total assets | 89.6227% | 628 |
| Equity capital to assets | 10.2939% | 3,339 |
| Core capital (leverage) ratio | 10.9205% | 2,658 |
| Tier 1 risk-based capital ratio | 18.4536% | 1,683 |
| Total risk-based capital ratio | 19.7131% | 1,638 |
| Memoranda: | ||
| Average total assets | $314,505,250 | 2,084 |
| Average earning assets | $303,234,000 | 2,017 |
| Average equity | $32,691,750 | 2,177 |
| Average total loans | $181,391,000 | 2,336 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2805% | 2,835 |
| Cost of funding earning assets | 0.5436% | 2,664 |
| Net interest margin | 3.7369% | 2,801 |
| Noninterest income to average assets | 0.5573% | 2,539 |
| Noninterest expense to average assets | 2.0428% | 4,716 |
| Loan and lease loss provision to assets | 0.1281% | 1,550 |
| Net operating income to assets | 1.9819% | 393 |
| Return on assets (ROA) | 1.9819% | 390 |
| Pretax return on assets | 1.9819% | 628 |
| Return on Equity (ROE) | 19.0061% | 330 |
| Retained earnings to average equity (ytd only) | 4.4141% | 3,394 |
| Net charge-offs to loans | -0.2721% | 5,372 |
| Credit loss provision to net charge-offs | -81.4516% | 4,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1908% | 5,067 |
| Assets per employee ($millions) | 7.0116% | 917 |
| Cash dividends to net income (ytd only)* | 76.7754% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1243% | 425 |
| Loan loss allowance to noncurrent loans | 667.8383% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.4171% | 3,054 |
| Noncurrent loans to loans | 0.3181% | 3,570 |
| Net loans and leases to total assets | 55.4890% | 4,203 |
| Net loans and leases to deposits | 61.9341% | 4,421 |
| Net loans and leases to core deposits | 65.5398% | 4,394 |
| Total domestic deposits to total assets | 89.5935% | 708 |
| Equity capital to assets | 10.3235% | 3,317 |
| Core capital (leverage) ratio | 10.7701% | 2,733 |
| Tier 1 risk-based capital ratio | 18.3834% | 1,702 |
| Total risk-based capital ratio | 19.6428% | 1,665 |
| Memoranda: | ||
| Average total assets | $315,450,330 | 2,093 |
| Average earning assets | $303,514,000 | 2,027 |
| Average equity | $32,894,670 | 2,174 |
| Average total loans | $182,283,000 | 2,332 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2886% | 2,567 |
| Cost of funding earning assets | 0.5185% | 2,652 |
| Net interest margin | 3.7701% | 2,543 |
| Noninterest income to average assets | 0.5998% | 2,258 |
| Noninterest expense to average assets | 2.1394% | 4,559 |
| Loan and lease loss provision to assets | -0.0748% | 5,491 |
| Net operating income to assets | 2.1775% | 257 |
| Return on assets (ROA) | 2.1775% | 257 |
| Pretax return on assets | 2.1775% | 394 |
| Return on Equity (ROE) | 20.7772% | 207 |
| Retained earnings to average equity (ytd only) | 6.2561% | 2,604 |
| Net charge-offs to loans | -0.2370% | 5,405 |
| Credit loss provision to net charge-offs | 54.1284% | 1,920 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4335% | 5,061 |
| Assets per employee ($millions) | 7.0304% | 944 |
| Cash dividends to net income (ytd only)* | 69.8893% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8811% | 681 |
| Loan loss allowance to noncurrent loans | 470.9141% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.5857% | 2,570 |
| Noncurrent loans to loans | 0.3995% | 3,351 |
| Net loans and leases to total assets | 56.0556% | 4,118 |
| Net loans and leases to deposits | 62.5578% | 4,296 |
| Net loans and leases to core deposits | 73.1425% | 3,872 |
| Total domestic deposits to total assets | 89.6061% | 835 |
| Equity capital to assets | 10.3212% | 3,249 |
| Core capital (leverage) ratio | 10.6591% | 2,784 |
| Tier 1 risk-based capital ratio | 18.2851% | 1,747 |
| Total risk-based capital ratio | 19.5422% | 1,712 |
| Memoranda: | ||
| Average total assets | $315,413,500 | 2,106 |
| Average earning assets | $304,716,500 | 2,027 |
| Average equity | $33,055,500 | 2,183 |
| Average total loans | $183,984,000 | 2,334 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0171% | 3,344 |
| Cost of funding earning assets | 0.4140% | 3,111 |
| Net interest margin | 3.6031% | 3,153 |
| Noninterest income to average assets | 0.5103% | 2,935 |
| Noninterest expense to average assets | 1.9141% | 5,096 |
| Loan and lease loss provision to assets | 0.1991% | 1,041 |
| Net operating income to assets | 1.8932% | 346 |
| Return on assets (ROA) | 1.9266% | 331 |
| Pretax return on assets | 1.9266% | 573 |
| Return on Equity (ROE) | 18.1621% | 291 |
| Retained earnings to average equity (ytd only) | 1.8771% | 4,186 |
| Net charge-offs to loans | 0.3300% | 771 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 10.5078% | 2,667 |
| Efficiency ratio | 47.7760% | 5,329 |
| Assets per employee ($millions) | 6.9880% | 973 |
| Cash dividends to net income (ytd only)* | 89.6647% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7893% | 792 |
| Loan loss allowance to noncurrent loans | 110.2699% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 1.2873% | 1,131 |
| Noncurrent loans to loans | 1.6226% | 1,025 |
| Net loans and leases to total assets | 58.4738% | 3,969 |
| Net loans and leases to deposits | 65.8667% | 4,198 |
| Net loans and leases to core deposits | 78.8893% | 3,511 |
| Total domestic deposits to total assets | 88.7760% | 1,106 |
| Equity capital to assets | 10.6399% | 3,003 |
| Core capital (leverage) ratio | 10.4270% | 2,936 |
| Tier 1 risk-based capital ratio | 17.6300% | 1,908 |
| Total risk-based capital ratio | 18.8866% | 1,856 |
| Memoranda: | ||
| Average total assets | $320,413,200 | 2,064 |
| Average earning assets | $310,895,200 | 1,987 |
| Average equity | $33,988,400 | 2,132 |
| Average total loans | $193,339,600 | 2,216 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9898% | 3,393 |
| Cost of funding earning assets | 0.3859% | 3,323 |
| Net interest margin | 3.6039% | 3,132 |
| Noninterest income to average assets | 0.5331% | 2,821 |
| Noninterest expense to average assets | 1.8697% | 5,175 |
| Loan and lease loss provision to assets | 0.1375% | 1,557 |
| Net operating income to assets | 2.0225% | 308 |
| Return on assets (ROA) | 2.0668% | 286 |
| Pretax return on assets | 2.0668% | 480 |
| Return on Equity (ROE) | 19.4988% | 249 |
| Retained earnings to average equity (ytd only) | 4.2593% | 3,365 |
| Net charge-offs to loans | 0.2272% | 953 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | 15.7077% | 2,209 |
| Efficiency ratio | 46.3974% | 5,407 |
| Assets per employee ($millions) | 7.3291% | 816 |
| Cash dividends to net income (ytd only)* | 78.1563% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7500% | 943 |
| Loan loss allowance to noncurrent loans | 76.5190% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 1.6479% | 884 |
| Noncurrent loans to loans | 2.2870% | 698 |
| Net loans and leases to total assets | 58.3227% | 4,028 |
| Net loans and leases to deposits | 65.4379% | 4,289 |
| Net loans and leases to core deposits | 79.1952% | 3,519 |
| Total domestic deposits to total assets | 89.1268% | 817 |
| Equity capital to assets | 10.8125% | 3,052 |
| Core capital (leverage) ratio | 10.4978% | 2,990 |
| Tier 1 risk-based capital ratio | 17.4883% | 2,014 |
| Total risk-based capital ratio | 18.7439% | 1,958 |
| Memoranda: | ||
| Average total assets | $321,901,750 | 2,069 |
| Average earning assets | $312,318,500 | 1,991 |
| Average equity | $34,121,000 | 2,142 |
| Average total loans | $194,868,000 | 2,210 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9676% | 3,324 |
| Cost of funding earning assets | 0.3589% | 3,492 |
| Net interest margin | 3.6087% | 3,004 |
| Noninterest income to average assets | 0.4569% | 3,310 |
| Noninterest expense to average assets | 1.8563% | 5,247 |
| Loan and lease loss provision to assets | 0.1623% | 1,233 |
| Net operating income to assets | 1.9384% | 346 |
| Return on assets (ROA) | 1.9384% | 357 |
| Pretax return on assets | 1.9384% | 604 |
| Return on Equity (ROE) | 18.4105% | 299 |
| Retained earnings to average equity (ytd only) | 4.2395% | 3,187 |
| Net charge-offs to loans | 0.3173% | 643 |
| Credit loss provision to net charge-offs | 83.9228% | 2,217 |
| Earnings coverage of net charge-offs (x) | 10.8650% | 2,316 |
| Efficiency ratio | 46.9128% | 5,440 |
| Assets per employee ($millions) | 7.4806% | 749 |
| Cash dividends to net income (ytd only)* | 76.9724% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7127% | 1,034 |
| Loan loss allowance to noncurrent loans | 71.2743% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 1.7577% | 800 |
| Noncurrent loans to loans | 2.4030% | 650 |
| Net loans and leases to total assets | 58.8739% | 3,933 |
| Net loans and leases to deposits | 66.0562% | 4,218 |
| Net loans and leases to core deposits | 79.6554% | 3,445 |
| Total domestic deposits to total assets | 89.1269% | 900 |
| Equity capital to assets | 10.8194% | 3,013 |
| Core capital (leverage) ratio | 10.2173% | 3,249 |
| Tier 1 risk-based capital ratio | 17.1421% | 2,123 |
| Total risk-based capital ratio | 18.3972% | 2,064 |
| Memoranda: | ||
| Average total assets | $321,709,000 | 2,072 |
| Average earning assets | $312,025,670 | 1,999 |
| Average equity | $33,872,000 | 2,149 |
| Average total loans | $196,014,330 | 2,205 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9852% | 3,095 |
| Cost of funding earning assets | 0.3228% | 3,819 |
| Net interest margin | 3.6624% | 2,642 |
| Noninterest income to average assets | 0.5234% | 2,812 |
| Noninterest expense to average assets | 1.8562% | 5,299 |
| Loan and lease loss provision to assets | 0.4588% | 229 |
| Net operating income to assets | 1.7630% | 484 |
| Return on assets (ROA) | 1.7630% | 494 |
| Pretax return on assets | 1.7630% | 875 |
| Return on Equity (ROE) | 16.9785% | 416 |
| Retained earnings to average equity (ytd only) | 2.6102% | 4,094 |
| Net charge-offs to loans | 0.9490% | 175 |
| Credit loss provision to net charge-offs | 78.6780% | 1,763 |
| Earnings coverage of net charge-offs (x) | 3.8102% | 2,446 |
| Efficiency ratio | 45.5183% | 5,548 |
| Assets per employee ($millions) | 7.7202% | 695 |
| Cash dividends to net income (ytd only)* | 84.6262% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6464% | 1,257 |
| Loan loss allowance to noncurrent loans | 211.7264% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.8481% | 2,181 |
| Noncurrent loans to loans | 0.7776% | 2,520 |
| Net loans and leases to total assets | 59.8776% | 3,799 |
| Net loans and leases to deposits | 67.1169% | 4,079 |
| Net loans and leases to core deposits | 83.6827% | 2,930 |
| Total domestic deposits to total assets | 89.2139% | 1,047 |
| Equity capital to assets | 10.3701% | 3,328 |
| Core capital (leverage) ratio | 10.3509% | 3,058 |
| Tier 1 risk-based capital ratio | 16.6399% | 2,304 |
| Total risk-based capital ratio | 17.8948% | 2,264 |
| Memoranda: | ||
| Average total assets | $321,731,500 | 2,088 |
| Average earning assets | $312,256,000 | 2,013 |
| Average equity | $33,407,000 | 2,180 |
| Average total loans | $197,683,500 | 2,201 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9549% | 3,364 |
| Cost of funding earning assets | 0.3301% | 3,746 |
| Net interest margin | 3.6248% | 2,982 |
| Noninterest income to average assets | 0.4690% | 3,415 |
| Noninterest expense to average assets | 1.8415% | 5,436 |
| Loan and lease loss provision to assets | 0.0911% | 2,536 |
| Net operating income to assets | 2.0532% | 281 |
| Return on assets (ROA) | 2.0610% | 291 |
| Pretax return on assets | 2.0610% | 436 |
| Return on Equity (ROE) | 18.9854% | 264 |
| Retained earnings to average equity (ytd only) | 2.0044% | 4,406 |
| Net charge-offs to loans | -0.0046% | 4,796 |
| Credit loss provision to net charge-offs | -3,233.3333% | 5,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2022% | 5,634 |
| Assets per employee ($millions) | 7.7857% | 657 |
| Cash dividends to net income (ytd only)* | 89.4425% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6922% | 1,155 |
| Loan loss allowance to noncurrent loans | 114.6083% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 1.0372% | 1,826 |
| Noncurrent loans to loans | 1.4765% | 1,369 |
| Net loans and leases to total assets | 60.9668% | 3,738 |
| Net loans and leases to deposits | 68.4858% | 4,053 |
| Net loans and leases to core deposits | 83.2545% | 3,101 |
| Total domestic deposits to total assets | 89.0211% | 1,111 |
| Equity capital to assets | 10.3971% | 3,275 |
| Core capital (leverage) ratio | 10.1544% | 3,297 |
| Tier 1 risk-based capital ratio | 16.6821% | 2,274 |
| Total risk-based capital ratio | 17.9378% | 2,216 |
| Memoranda: | ||
| Average total assets | $319,405,200 | 2,061 |
| Average earning assets | $309,893,200 | 1,976 |
| Average equity | $34,674,000 | 2,095 |
| Average total loans | $197,384,600 | 2,136 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9396% | 3,455 |
| Cost of funding earning assets | 0.3330% | 3,749 |
| Net interest margin | 3.6066% | 3,049 |
| Noninterest income to average assets | 0.4950% | 3,291 |
| Noninterest expense to average assets | 1.8227% | 5,488 |
| Loan and lease loss provision to assets | 0.0764% | 2,698 |
| Net operating income to assets | 2.0948% | 297 |
| Return on assets (ROA) | 2.1052% | 302 |
| Pretax return on assets | 2.1052% | 457 |
| Return on Equity (ROE) | 18.8379% | 307 |
| Retained earnings to average equity (ytd only) | -2.0167% | 5,596 |
| Net charge-offs to loans | -0.0284% | 5,143 |
| Credit loss provision to net charge-offs | -435.7143% | 5,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6370% | 5,684 |
| Assets per employee ($millions) | 7.7001% | 668 |
| Cash dividends to net income (ytd only)* | 110.7058% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6422% | 1,343 |
| Loan loss allowance to noncurrent loans | 95.6484% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 1.0587% | 1,946 |
| Noncurrent loans to loans | 1.7169% | 1,217 |
| Net loans and leases to total assets | 60.6542% | 3,793 |
| Net loans and leases to deposits | 68.1443% | 4,136 |
| Net loans and leases to core deposits | 82.7301% | 3,229 |
| Total domestic deposits to total assets | 89.0085% | 903 |
| Equity capital to assets | 10.9458% | 3,065 |
| Core capital (leverage) ratio | 10.2547% | 3,275 |
| Tier 1 risk-based capital ratio | 16.6463% | 2,360 |
| Total risk-based capital ratio | 17.9014% | 2,304 |
| Memoranda: | ||
| Average total assets | $319,453,250 | 2,065 |
| Average earning assets | $309,903,750 | 1,977 |
| Average equity | $35,700,250 | 2,049 |
| Average total loans | $197,239,750 | 2,147 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9548% | 3,406 |
| Cost of funding earning assets | 0.3392% | 3,701 |
| Net interest margin | 3.6156% | 3,034 |
| Noninterest income to average assets | 0.4985% | 3,204 |
| Noninterest expense to average assets | 1.8244% | 5,568 |
| Loan and lease loss provision to assets | 0.0629% | 2,881 |
| Net operating income to assets | 2.1154% | 267 |
| Return on assets (ROA) | 2.1312% | 273 |
| Pretax return on assets | 2.1312% | 440 |
| Return on Equity (ROE) | 18.9382% | 304 |
| Retained earnings to average equity (ytd only) | -4.0781% | 5,698 |
| Net charge-offs to loans | 0.0254% | 2,966 |
| Credit loss provision to net charge-offs | 400.0000% | 772 |
| Earnings coverage of net charge-offs (x) | 138.6000% | 430 |
| Efficiency ratio | 45.5788% | 5,771 |
| Assets per employee ($millions) | 7.6079% | 671 |
| Cash dividends to net income (ytd only)* | 121.5339% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5753% | 1,600 |
| Loan loss allowance to noncurrent loans | 83.0454% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 1.1777% | 1,774 |
| Noncurrent loans to loans | 1.8969% | 1,070 |
| Net loans and leases to total assets | 61.1067% | 3,737 |
| Net loans and leases to deposits | 68.7449% | 4,109 |
| Net loans and leases to core deposits | 82.7069% | 3,207 |
| Total domestic deposits to total assets | 88.8891% | 964 |
| Equity capital to assets | 11.0674% | 2,979 |
| Core capital (leverage) ratio | 10.1630% | 3,372 |
| Tier 1 risk-based capital ratio | 16.5887% | 2,398 |
| Total risk-based capital ratio | 17.8426% | 2,343 |
| Memoranda: | ||
| Average total assets | $318,136,330 | 2,085 |
| Average earning assets | $308,334,000 | 2,001 |
| Average equity | $35,800,670 | 2,044 |
| Average total loans | $196,508,670 | 2,154 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9560% | 3,381 |
| Cost of funding earning assets | 0.3511% | 3,590 |
| Net interest margin | 3.6049% | 3,064 |
| Noninterest income to average assets | 0.5318% | 2,922 |
| Noninterest expense to average assets | 1.7490% | 5,704 |
| Loan and lease loss provision to assets | 0.0265% | 3,323 |
| Net operating income to assets | 2.2493% | 217 |
| Return on assets (ROA) | 2.2808% | 217 |
| Pretax return on assets | 2.2808% | 327 |
| Return on Equity (ROE) | 20.1005% | 241 |
| Retained earnings to average equity (ytd only) | 4.3310% | 3,316 |
| Net charge-offs to loans | -0.0082% | 4,455 |
| Credit loss provision to net charge-offs | -525.0000% | 4,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4565% | 5,885 |
| Assets per employee ($millions) | 7.6203% | 665 |
| Cash dividends to net income (ytd only)* | 78.4530% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5646% | 1,736 |
| Loan loss allowance to noncurrent loans | 279.7998% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.3434% | 4,183 |
| Noncurrent loans to loans | 0.5592% | 3,509 |
| Net loans and leases to total assets | 60.4470% | 3,715 |
| Net loans and leases to deposits | 68.2188% | 4,035 |
| Net loans and leases to core deposits | 80.8028% | 3,253 |
| Total domestic deposits to total assets | 88.6075% | 1,301 |
| Equity capital to assets | 11.3222% | 2,604 |
| Core capital (leverage) ratio | 10.6167% | 2,831 |
| Tier 1 risk-based capital ratio | 16.3672% | 2,532 |
| Total risk-based capital ratio | 17.6200% | 2,486 |
| Memoranda: | ||
| Average total assets | $317,438,000 | 2,100 |
| Average earning assets | $307,580,500 | 2,009 |
| Average equity | $36,019,000 | 2,033 |
| Average total loans | $195,572,500 | 2,159 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0298% | 3,200 |
| Cost of funding earning assets | 0.3597% | 3,587 |
| Net interest margin | 3.6702% | 2,861 |
| Noninterest income to average assets | 0.5721% | 2,886 |
| Noninterest expense to average assets | 1.8381% | 5,690 |
| Loan and lease loss provision to assets | 0.1664% | 1,381 |
| Net operating income to assets | 2.1050% | 292 |
| Return on assets (ROA) | 2.1800% | 263 |
| Pretax return on assets | 2.1800% | 360 |
| Return on Equity (ROE) | 19.5401% | 272 |
| Retained earnings to average equity (ytd only) | -0.7233% | 5,624 |
| Net charge-offs to loans | 0.1422% | 1,927 |
| Credit loss provision to net charge-offs | 189.2857% | 1,457 |
| Earnings coverage of net charge-offs (x) | 25.8357% | 1,613 |
| Efficiency ratio | 44.7280% | 5,962 |
| Assets per employee ($millions) | 7.1550% | 839 |
| Cash dividends to net income (ytd only)* | 103.7016% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5673% | 1,731 |
| Loan loss allowance to noncurrent loans | 197.1558% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.4914% | 3,676 |
| Noncurrent loans to loans | 0.7949% | 2,807 |
| Net loans and leases to total assets | 60.8461% | 3,719 |
| Net loans and leases to deposits | 68.6885% | 4,060 |
| Net loans and leases to core deposits | 79.4602% | 3,396 |
| Total domestic deposits to total assets | 88.5828% | 1,336 |
| Equity capital to assets | 11.3718% | 2,469 |
| Core capital (leverage) ratio | 10.6768% | 2,737 |
| Tier 1 risk-based capital ratio | 16.9587% | 2,297 |
| Total risk-based capital ratio | 18.2122% | 2,246 |
| Memoranda: | ||
| Average total assets | $318,480,600 | 2,054 |
| Average earning assets | $306,960,200 | 1,981 |
| Average equity | $35,532,000 | 2,005 |
| Average total loans | $196,908,000 | 2,103 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0332% | 3,194 |
| Cost of funding earning assets | 0.3610% | 3,642 |
| Net interest margin | 3.6722% | 2,880 |
| Noninterest income to average assets | 0.5748% | 2,881 |
| Noninterest expense to average assets | 1.8276% | 5,742 |
| Loan and lease loss provision to assets | 0.0159% | 3,955 |
| Net operating income to assets | 2.2646% | 231 |
| Return on assets (ROA) | 2.2951% | 229 |
| Pretax return on assets | 2.2951% | 336 |
| Return on Equity (ROE) | 20.6698% | 238 |
| Retained earnings to average equity (ytd only) | -6.3987% | 6,065 |
| Net charge-offs to loans | -0.0925% | 5,754 |
| Credit loss provision to net charge-offs | -27.7372% | 4,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4873% | 6,021 |
| Assets per employee ($millions) | 6.9974% | 870 |
| Cash dividends to net income (ytd only)* | 130.9568% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5045% | 2,139 |
| Loan loss allowance to noncurrent loans | 256.0241% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.3690% | 4,288 |
| Noncurrent loans to loans | 0.5876% | 3,567 |
| Net loans and leases to total assets | 61.8540% | 3,632 |
| Net loans and leases to deposits | 69.5172% | 4,039 |
| Net loans and leases to core deposits | 75.9487% | 3,812 |
| Total domestic deposits to total assets | 88.9766% | 1,039 |
| Equity capital to assets | 10.9805% | 3,048 |
| Core capital (leverage) ratio | 10.1664% | 3,418 |
| Tier 1 risk-based capital ratio | 16.0330% | 2,779 |
| Total risk-based capital ratio | 17.2859% | 2,729 |
| Memoranda: | ||
| Average total assets | $319,395,250 | 2,062 |
| Average earning assets | $307,306,250 | 1,998 |
| Average equity | $35,464,750 | 2,018 |
| Average total loans | $197,483,250 | 2,102 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0007% | 3,281 |
| Cost of funding earning assets | 0.3596% | 3,709 |
| Net interest margin | 3.6411% | 2,939 |
| Noninterest income to average assets | 0.5615% | 2,967 |
| Noninterest expense to average assets | 1.8342% | 5,807 |
| Loan and lease loss provision to assets | 0.0380% | 3,359 |
| Net operating income to assets | 2.1913% | 261 |
| Return on assets (ROA) | 2.2368% | 256 |
| Pretax return on assets | 2.2368% | 390 |
| Return on Equity (ROE) | 20.0721% | 259 |
| Retained earnings to average equity (ytd only) | -9.1217% | 6,159 |
| Net charge-offs to loans | -0.0902% | 5,749 |
| Credit loss provision to net charge-offs | -68.5393% | 4,844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1380% | 6,073 |
| Assets per employee ($millions) | 7.1888% | 769 |
| Cash dividends to net income (ytd only)* | 145.4444% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5015% | 2,288 |
| Loan loss allowance to noncurrent loans | 307.9332% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.3029% | 4,671 |
| Noncurrent loans to loans | 0.4876% | 4,013 |
| Net loans and leases to total assets | 61.1790% | 3,669 |
| Net loans and leases to deposits | 68.6819% | 4,063 |
| Net loans and leases to core deposits | 73.9458% | 3,962 |
| Total domestic deposits to total assets | 89.0758% | 1,110 |
| Equity capital to assets | 10.8802% | 3,014 |
| Core capital (leverage) ratio | 10.0537% | 3,526 |
| Tier 1 risk-based capital ratio | 16.7331% | 2,510 |
| Total risk-based capital ratio | 17.9863% | 2,461 |
| Memoranda: | ||
| Average total assets | $320,898,670 | 2,071 |
| Average earning assets | $308,646,000 | 1,990 |
| Average equity | $35,761,000 | 2,013 |
| Average total loans | $197,396,330 | 2,103 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9857% | 3,278 |
| Cost of funding earning assets | 0.3605% | 3,747 |
| Net interest margin | 3.6253% | 2,907 |
| Noninterest income to average assets | 0.5693% | 2,838 |
| Noninterest expense to average assets | 1.7377% | 5,975 |
| Loan and lease loss provision to assets | -0.0928% | 6,198 |
| Net operating income to assets | 2.4097% | 176 |
| Return on assets (ROA) | 2.4295% | 183 |
| Pretax return on assets | 2.4295% | 268 |
| Return on Equity (ROE) | 21.5513% | 203 |
| Retained earnings to average equity (ytd only) | -4.7977% | 5,923 |
| Net charge-offs to loans | -0.2527% | 6,107 |
| Credit loss provision to net charge-offs | 60.0000% | 1,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8571% | 6,212 |
| Assets per employee ($millions) | 7.4049% | 709 |
| Cash dividends to net income (ytd only)* | 122.2618% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4564% | 2,642 |
| Loan loss allowance to noncurrent loans | 446.7085% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.1958% | 5,169 |
| Noncurrent loans to loans | 0.3260% | 4,625 |
| Net loans and leases to total assets | 59.1865% | 3,773 |
| Net loans and leases to deposits | 66.6353% | 4,088 |
| Net loans and leases to core deposits | 71.1138% | 4,050 |
| Total domestic deposits to total assets | 88.8215% | 1,380 |
| Equity capital to assets | 11.1315% | 2,826 |
| Core capital (leverage) ratio | 10.2581% | 3,269 |
| Tier 1 risk-based capital ratio | 17.4336% | 2,321 |
| Total risk-based capital ratio | 18.6869% | 2,276 |
| Memoranda: | ||
| Average total assets | $323,194,000 | 2,063 |
| Average earning assets | $310,709,000 | 1,984 |
| Average equity | $36,434,000 | 1,986 |
| Average total loans | $197,862,500 | 2,101 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1064% | 3,303 |
| Cost of funding earning assets | 0.3963% | 3,730 |
| Net interest margin | 3.7101% | 2,976 |
| Noninterest income to average assets | 0.5548% | 3,148 |
| Noninterest expense to average assets | 1.8607% | 5,991 |
| Loan and lease loss provision to assets | 0.2037% | 1,238 |
| Net operating income to assets | 2.0464% | 302 |
| Return on assets (ROA) | 2.0601% | 301 |
| Pretax return on assets | 2.0601% | 454 |
| Return on Equity (ROE) | 19.1128% | 305 |
| Retained earnings to average equity (ytd only) | 1.3465% | 5,171 |
| Net charge-offs to loans | 0.2107% | 1,979 |
| Credit loss provision to net charge-offs | 161.4251% | 1,502 |
| Earnings coverage of net charge-offs (x) | 17.8280% | 1,890 |
| Efficiency ratio | 45.1871% | 6,294 |
| Assets per employee ($millions) | 7.2858% | 724 |
| Cash dividends to net income (ytd only)* | 92.9550% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3997% | 2,953 |
| Loan loss allowance to noncurrent loans | 389.9721% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.2240% | 5,129 |
| Noncurrent loans to loans | 0.3589% | 4,574 |
| Net loans and leases to total assets | 61.5262% | 3,565 |
| Net loans and leases to deposits | 69.4915% | 3,978 |
| Net loans and leases to core deposits | 74.5810% | 3,866 |
| Total domestic deposits to total assets | 88.5377% | 1,503 |
| Equity capital to assets | 11.4170% | 2,499 |
| Core capital (leverage) ratio | 10.4420% | 3,006 |
| Tier 1 risk-based capital ratio | 17.1613% | 2,447 |
| Total risk-based capital ratio | 18.4137% | 2,399 |
| Memoranda: | ||
| Average total assets | $322,467,000 | 2,012 |
| Average earning assets | $309,077,000 | 1,944 |
| Average equity | $34,756,800 | 2,012 |
| Average total loans | $193,180,000 | 2,088 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0785% | 3,462 |
| Cost of funding earning assets | 0.4005% | 3,780 |
| Net interest margin | 3.6780% | 3,112 |
| Noninterest income to average assets | 0.5644% | 3,105 |
| Noninterest expense to average assets | 1.8298% | 6,050 |
| Loan and lease loss provision to assets | 0.1012% | 2,347 |
| Net operating income to assets | 2.1556% | 258 |
| Return on assets (ROA) | 2.1721% | 259 |
| Pretax return on assets | 2.1721% | 390 |
| Return on Equity (ROE) | 20.4528% | 253 |
| Retained earnings to average equity (ytd only) | -3.5533% | 6,184 |
| Net charge-offs to loans | 0.1010% | 2,792 |
| Credit loss provision to net charge-offs | 168.9655% | 1,455 |
| Earnings coverage of net charge-offs (x) | 37.6963% | 1,174 |
| Efficiency ratio | 44.6858% | 6,340 |
| Assets per employee ($millions) | 7.5196% | 639 |
| Cash dividends to net income (ytd only)* | 117.3732% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 3,414 |
| Loan loss allowance to noncurrent loans | 192.4473% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.4259% | 4,634 |
| Noncurrent loans to loans | 0.6994% | 3,859 |
| Net loans and leases to total assets | 60.0658% | 3,775 |
| Net loans and leases to deposits | 67.3366% | 4,203 |
| Net loans and leases to core deposits | 72.3448% | 4,118 |
| Total domestic deposits to total assets | 89.2022% | 1,128 |
| Equity capital to assets | 10.7468% | 3,241 |
| Core capital (leverage) ratio | 10.0383% | 3,625 |
| Tier 1 risk-based capital ratio | 16.6169% | 2,764 |
| Total risk-based capital ratio | 17.8684% | 2,717 |
| Memoranda: | ||
| Average total assets | $322,940,250 | 2,025 |
| Average earning assets | $309,257,750 | 1,952 |
| Average equity | $34,296,000 | 2,039 |
| Average total loans | $191,465,750 | 2,116 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0896% | 3,391 |
| Cost of funding earning assets | 0.4047% | 3,822 |
| Net interest margin | 3.6849% | 3,015 |
| Noninterest income to average assets | 0.5334% | 3,248 |
| Noninterest expense to average assets | 1.8191% | 6,120 |
| Loan and lease loss provision to assets | 0.0867% | 2,579 |
| Net operating income to assets | 2.1480% | 253 |
| Return on assets (ROA) | 2.1710% | 250 |
| Pretax return on assets | 2.1710% | 386 |
| Return on Equity (ROE) | 20.5242% | 265 |
| Retained earnings to average equity (ytd only) | -6.8590% | 6,342 |
| Net charge-offs to loans | 0.0422% | 3,383 |
| Credit loss provision to net charge-offs | 350.0000% | 762 |
| Earnings coverage of net charge-offs (x) | 90.1750% | 600 |
| Efficiency ratio | 44.7807% | 6,396 |
| Assets per employee ($millions) | 7.6015% | 588 |
| Cash dividends to net income (ytd only)* | 133.4189% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3575% | 3,551 |
| Loan loss allowance to noncurrent loans | 151.7755% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.5342% | 4,396 |
| Noncurrent loans to loans | 0.8944% | 3,464 |
| Net loans and leases to total assets | 58.9107% | 3,877 |
| Net loans and leases to deposits | 65.8643% | 4,279 |
| Net loans and leases to core deposits | 70.7802% | 4,178 |
| Total domestic deposits to total assets | 89.4425% | 1,128 |
| Equity capital to assets | 10.5153% | 3,425 |
| Core capital (leverage) ratio | 10.1233% | 3,440 |
| Tier 1 risk-based capital ratio | 16.6237% | 2,774 |
| Total risk-based capital ratio | 17.8750% | 2,739 |
| Memoranda: | ||
| Average total assets | $322,805,670 | 2,020 |
| Average earning assets | $308,394,330 | 1,957 |
| Average equity | $34,145,000 | 2,035 |
| Average total loans | $189,664,670 | 2,131 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1018% | 3,275 |
| Cost of funding earning assets | 0.4159% | 3,807 |
| Net interest margin | 3.6858% | 2,926 |
| Noninterest income to average assets | 0.5350% | 3,147 |
| Noninterest expense to average assets | 1.8181% | 6,198 |
| Loan and lease loss provision to assets | 0.1010% | 2,238 |
| Net operating income to assets | 2.1298% | 272 |
| Return on assets (ROA) | 2.1298% | 287 |
| Pretax return on assets | 2.1298% | 407 |
| Return on Equity (ROE) | 20.0752% | 277 |
| Retained earnings to average equity (ytd only) | -5.2539% | 6,136 |
| Net charge-offs to loans | 0.0663% | 2,489 |
| Credit loss provision to net charge-offs | 261.2903% | 880 |
| Earnings coverage of net charge-offs (x) | 57.7097% | 675 |
| Efficiency ratio | 44.8106% | 6,467 |
| Assets per employee ($millions) | 7.7417% | 551 |
| Cash dividends to net income (ytd only)* | 126.1710% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3760% | 3,712 |
| Loan loss allowance to noncurrent loans | 203.2838% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.3934% | 4,965 |
| Noncurrent loans to loans | 0.6769% | 4,172 |
| Net loans and leases to total assets | 57.3109% | 3,951 |
| Net loans and leases to deposits | 64.0623% | 4,305 |
| Net loans and leases to core deposits | 69.0253% | 4,202 |
| Total domestic deposits to total assets | 89.4612% | 1,386 |
| Equity capital to assets | 10.4905% | 3,253 |
| Core capital (leverage) ratio | 9.7850% | 3,885 |
| Tier 1 risk-based capital ratio | 17.3471% | 2,535 |
| Total risk-based capital ratio | 18.5984% | 2,501 |
| Memoranda: | ||
| Average total assets | $320,775,500 | 2,035 |
| Average earning assets | $305,820,500 | 1,979 |
| Average equity | $34,032,000 | 2,031 |
| Average total loans | $186,892,500 | 2,166 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9355% | 4,335 |
| Cost of funding earning assets | 0.5392% | 3,202 |
| Net interest margin | 3.3963% | 4,284 |
| Noninterest income to average assets | 0.5995% | 3,102 |
| Noninterest expense to average assets | 1.8778% | 6,219 |
| Loan and lease loss provision to assets | 0.1216% | 2,793 |
| Net operating income to assets | 1.8552% | 433 |
| Return on assets (ROA) | 1.9223% | 389 |
| Pretax return on assets | 1.9223% | 577 |
| Return on Equity (ROE) | 17.9259% | 414 |
| Retained earnings to average equity (ytd only) | 5.9080% | 2,031 |
| Net charge-offs to loans | 0.1452% | 3,350 |
| Credit loss provision to net charge-offs | 148.6381% | 1,566 |
| Earnings coverage of net charge-offs (x) | 24.1712% | 1,375 |
| Efficiency ratio | 48.6254% | 6,467 |
| Assets per employee ($millions) | 7.5333% | 592 |
| Cash dividends to net income (ytd only)* | 67.0419% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3796% | 3,743 |
| Loan loss allowance to noncurrent loans | 151.6052% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.5316% | 4,639 |
| Noncurrent loans to loans | 0.9100% | 3,709 |
| Net loans and leases to total assets | 57.6131% | 4,099 |
| Net loans and leases to deposits | 64.5809% | 4,453 |
| Net loans and leases to core deposits | 69.7967% | 4,303 |
| Total domestic deposits to total assets | 89.2108% | 1,483 |
| Equity capital to assets | 10.7314% | 2,898 |
| Core capital (leverage) ratio | 10.5283% | 2,882 |
| Tier 1 risk-based capital ratio | 18.0867% | 2,221 |
| Total risk-based capital ratio | 19.3382% | 2,185 |
| Memoranda: | ||
| Average total assets | $314,253,000 | 2,046 |
| Average earning assets | $301,184,800 | 1,967 |
| Average equity | $33,699,800 | 2,046 |
| Average total loans | $176,946,600 | 2,227 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8950% | 4,519 |
| Cost of funding earning assets | 0.5642% | 3,129 |
| Net interest margin | 3.3307% | 4,531 |
| Noninterest income to average assets | 0.6392% | 2,932 |
| Noninterest expense to average assets | 1.8369% | 6,290 |
| Loan and lease loss provision to assets | 0.0629% | 3,785 |
| Net operating income to assets | 1.9308% | 413 |
| Return on assets (ROA) | 2.0868% | 321 |
| Pretax return on assets | 2.0868% | 484 |
| Return on Equity (ROE) | 19.4626% | 339 |
| Retained earnings to average equity (ytd only) | 3.4089% | 4,262 |
| Net charge-offs to loans | 0.0366% | 4,413 |
| Credit loss provision to net charge-offs | 308.3333% | 827 |
| Earnings coverage of net charge-offs (x) | 97.7267% | 506 |
| Efficiency ratio | 47.8531% | 6,509 |
| Assets per employee ($millions) | 7.1171% | 701 |
| Cash dividends to net income (ytd only)* | 82.4848% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4248% | 3,783 |
| Loan loss allowance to noncurrent loans | 374.6291% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.2152% | 5,802 |
| Noncurrent loans to loans | 0.3803% | 5,262 |
| Net loans and leases to total assets | 55.7836% | 4,350 |
| Net loans and leases to deposits | 62.2854% | 4,717 |
| Net loans and leases to core deposits | 67.9282% | 4,535 |
| Total domestic deposits to total assets | 89.5613% | 1,251 |
| Equity capital to assets | 10.3803% | 3,416 |
| Core capital (leverage) ratio | 10.2612% | 3,303 |
| Tier 1 risk-based capital ratio | 18.1055% | 2,282 |
| Total risk-based capital ratio | 19.3575% | 2,250 |
| Memoranda: | ||
| Average total assets | $313,716,250 | 2,063 |
| Average earning assets | $300,586,750 | 1,983 |
| Average equity | $33,636,250 | 2,066 |
| Average total loans | $174,973,750 | 2,257 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8733% | 4,576 |
| Cost of funding earning assets | 0.5867% | 3,064 |
| Net interest margin | 3.2866% | 4,634 |
| Noninterest income to average assets | 0.5244% | 3,672 |
| Noninterest expense to average assets | 1.8732% | 6,264 |
| Loan and lease loss provision to assets | 0.0879% | 3,323 |
| Net operating income to assets | 1.7075% | 613 |
| Return on assets (ROA) | 1.9165% | 447 |
| Pretax return on assets | 1.9165% | 728 |
| Return on Equity (ROE) | 17.6874% | 488 |
| Retained earnings to average equity (ytd only) | 0.2234% | 5,789 |
| Net charge-offs to loans | 0.0723% | 3,677 |
| Credit loss provision to net charge-offs | 219.0476% | 1,107 |
| Earnings coverage of net charge-offs (x) | 44.7302% | 859 |
| Efficiency ratio | 50.9552% | 6,359 |
| Assets per employee ($millions) | 7.2124% | 656 |
| Cash dividends to net income (ytd only)* | 98.7367% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3729% | 4,156 |
| Loan loss allowance to noncurrent loans | 511.2474% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.1577% | 6,021 |
| Noncurrent loans to loans | 0.2685% | 5,637 |
| Net loans and leases to total assets | 57.9111% | 4,003 |
| Net loans and leases to deposits | 64.7190% | 4,408 |
| Net loans and leases to core deposits | 70.8527% | 4,180 |
| Total domestic deposits to total assets | 89.4809% | 1,338 |
| Equity capital to assets | 10.4555% | 3,363 |
| Core capital (leverage) ratio | 9.9912% | 3,538 |
| Tier 1 risk-based capital ratio | 17.6757% | 2,448 |
| Total risk-based capital ratio | 18.9278% | 2,412 |
| Memoranda: | ||
| Average total assets | $313,904,670 | 2,067 |
| Average earning assets | $300,309,000 | 1,985 |
| Average equity | $34,013,000 | 2,047 |
| Average total loans | $174,227,670 | 2,266 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8507% | 4,645 |
| Cost of funding earning assets | 0.6184% | 2,936 |
| Net interest margin | 3.2323% | 4,795 |
| Noninterest income to average assets | 0.5117% | 3,698 |
| Noninterest expense to average assets | 1.6961% | 6,563 |
| Loan and lease loss provision to assets | 0.0595% | 3,647 |
| Net operating income to assets | 1.8481% | 438 |
| Return on assets (ROA) | 1.8481% | 483 |
| Pretax return on assets | 1.8481% | 808 |
| Return on Equity (ROE) | 16.7670% | 530 |
| Retained earnings to average equity (ytd only) | -0.4712% | 5,873 |
| Net charge-offs to loans | 0.0517% | 3,312 |
| Credit loss provision to net charge-offs | 213.6364% | 1,037 |
| Earnings coverage of net charge-offs (x) | 68.4545% | 524 |
| Efficiency ratio | 46.9596% | 6,654 |
| Assets per employee ($millions) | 7.2796% | 677 |
| Cash dividends to net income (ytd only)* | 102.8101% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3951% | 4,263 |
| Loan loss allowance to noncurrent loans | 385.2201% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.1986% | 5,977 |
| Noncurrent loans to loans | 0.3622% | 5,497 |
| Net loans and leases to total assets | 54.0634% | 4,407 |
| Net loans and leases to deposits | 60.6311% | 4,721 |
| Net loans and leases to core deposits | 66.4064% | 4,480 |
| Total domestic deposits to total assets | 89.1677% | 1,588 |
| Equity capital to assets | 10.7783% | 3,219 |
| Core capital (leverage) ratio | 9.9649% | 3,431 |
| Tier 1 risk-based capital ratio | 17.9664% | 2,382 |
| Total risk-based capital ratio | 19.2183% | 2,344 |
| Memoranda: | ||
| Average total assets | $315,791,000 | 2,075 |
| Average earning assets | $302,072,000 | 1,996 |
| Average equity | $34,806,500 | 2,026 |
| Average total loans | $170,291,000 | 2,317 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2558% | 4,385 |
| Cost of funding earning assets | 0.7321% | 3,236 |
| Net interest margin | 3.5237% | 4,403 |
| Noninterest income to average assets | 0.5633% | 3,494 |
| Noninterest expense to average assets | 1.9554% | 6,406 |
| Loan and lease loss provision to assets | 0.0020% | 5,890 |
| Net operating income to assets | 1.9793% | 368 |
| Return on assets (ROA) | 1.9544% | 428 |
| Pretax return on assets | 1.9544% | 664 |
| Return on Equity (ROE) | 17.6921% | 468 |
| Retained earnings to average equity (ytd only) | 6.5511% | 1,790 |
| Net charge-offs to loans | -0.0547% | 6,721 |
| Credit loss provision to net charge-offs | -6.7416% | 6,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5043% | 6,625 |
| Assets per employee ($millions) | 7.2391% | 693 |
| Cash dividends to net income (ytd only)* | 62.9717% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4700% | 3,867 |
| Loan loss allowance to noncurrent loans | 2,004.1322% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 6,555 |
| Noncurrent loans to loans | 0.0733% | 6,301 |
| Net loans and leases to total assets | 52.2170% | 4,899 |
| Net loans and leases to deposits | 58.8844% | 5,142 |
| Net loans and leases to core deposits | 64.5173% | 4,901 |
| Total domestic deposits to total assets | 88.6771% | 1,785 |
| Equity capital to assets | 11.2728% | 2,658 |
| Core capital (leverage) ratio | 10.2029% | 3,134 |
| Tier 1 risk-based capital ratio | 19.2586% | 1,877 |
| Total risk-based capital ratio | 20.5117% | 1,851 |
| Memoranda: | ||
| Average total assets | $302,335,800 | 2,126 |
| Average earning assets | $289,437,400 | 2,046 |
| Average equity | $33,399,000 | 2,067 |
| Average total loans | $162,779,200 | 2,388 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3170% | 4,387 |
| Cost of funding earning assets | 0.7548% | 3,311 |
| Net interest margin | 3.5622% | 4,388 |
| Noninterest income to average assets | 0.5771% | 3,428 |
| Noninterest expense to average assets | 1.9229% | 6,483 |
| Loan and lease loss provision to assets | 0.0093% | 5,692 |
| Net operating income to assets | 2.0668% | 348 |
| Return on assets (ROA) | 2.0335% | 410 |
| Pretax return on assets | 2.0335% | 659 |
| Return on Equity (ROE) | 18.5058% | 442 |
| Retained earnings to average equity (ytd only) | 3.4610% | 4,430 |
| Net charge-offs to loans | -0.0197% | 6,490 |
| Credit loss provision to net charge-offs | -87.5000% | 6,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8947% | 6,723 |
| Assets per employee ($millions) | 7.0213% | 732 |
| Cash dividends to net income (ytd only)* | 81.2979% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4572% | 4,126 |
| Loan loss allowance to noncurrent loans | 552.3256% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.1392% | 6,367 |
| Noncurrent loans to loans | 0.2638% | 5,961 |
| Net loans and leases to total assets | 51.9891% | 5,047 |
| Net loans and leases to deposits | 58.4638% | 5,381 |
| Net loans and leases to core deposits | 64.2253% | 5,127 |
| Total domestic deposits to total assets | 88.9253% | 1,475 |
| Equity capital to assets | 11.0288% | 3,239 |
| Core capital (leverage) ratio | 9.7477% | 3,875 |
| Tier 1 risk-based capital ratio | 18.6636% | 2,116 |
| Total risk-based capital ratio | 19.9165% | 2,081 |
| Memoranda: | ||
| Average total assets | $300,099,750 | 2,157 |
| Average earning assets | $288,278,750 | 2,076 |
| Average equity | $32,976,250 | 2,108 |
| Average total loans | $162,232,500 | 2,424 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3341% | 4,437 |
| Cost of funding earning assets | 0.7636% | 3,489 |
| Net interest margin | 3.5706% | 4,384 |
| Noninterest income to average assets | 0.5734% | 3,421 |
| Noninterest expense to average assets | 1.8973% | 6,603 |
| Loan and lease loss provision to assets | 0.0357% | 5,232 |
| Net operating income to assets | 2.0710% | 350 |
| Return on assets (ROA) | 2.0205% | 435 |
| Pretax return on assets | 2.0205% | 669 |
| Return on Equity (ROE) | 18.4110% | 465 |
| Retained earnings to average equity (ytd only) | -1.2450% | 6,245 |
| Net charge-offs to loans | 0.0407% | 4,805 |
| Credit loss provision to net charge-offs | 160.6061% | 1,736 |
| Earnings coverage of net charge-offs (x) | 94.8485% | 448 |
| Efficiency ratio | 47.1676% | 6,824 |
| Assets per employee ($millions) | 6.8200% | 804 |
| Cash dividends to net income (ytd only)* | 106.7622% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4319% | 4,334 |
| Loan loss allowance to noncurrent loans | 1,450.6173% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0528% | 6,691 |
| Noncurrent loans to loans | 0.0987% | 6,417 |
| Net loans and leases to total assets | 52.7110% | 5,003 |
| Net loans and leases to deposits | 59.0587% | 5,332 |
| Net loans and leases to core deposits | 65.6711% | 5,039 |
| Total domestic deposits to total assets | 89.2518% | 1,357 |
| Equity capital to assets | 10.6970% | 3,462 |
| Core capital (leverage) ratio | 9.6806% | 3,864 |
| Tier 1 risk-based capital ratio | 17.7710% | 2,374 |
| Total risk-based capital ratio | 19.0236% | 2,343 |
| Memoranda: | ||
| Average total assets | $297,153,670 | 2,173 |
| Average earning assets | $285,501,670 | 2,087 |
| Average equity | $32,611,000 | 2,111 |
| Average total loans | $161,980,330 | 2,439 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4234% | 4,228 |
| Cost of funding earning assets | 0.7858% | 3,580 |
| Net interest margin | 3.6376% | 4,095 |
| Noninterest income to average assets | 0.6090% | 3,171 |
| Noninterest expense to average assets | 1.8325% | 6,756 |
| Loan and lease loss provision to assets | 0.0205% | 5,081 |
| Net operating income to assets | 2.2403% | 268 |
| Return on assets (ROA) | 2.1377% | 381 |
| Pretax return on assets | 2.1377% | 594 |
| Return on Equity (ROE) | 19.2234% | 435 |
| Retained earnings to average equity (ytd only) | -5.4520% | 6,614 |
| Net charge-offs to loans | -0.0124% | 6,011 |
| Credit loss provision to net charge-offs | -300.0000% | 5,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5670% | 6,963 |
| Assets per employee ($millions) | 6.8260% | 826 |
| Cash dividends to net income (ytd only)* | 128.3611% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4614% | 4,333 |
| Loan loss allowance to noncurrent loans | 1,039.8230% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0752% | 6,697 |
| Noncurrent loans to loans | 0.1405% | 6,404 |
| Net loans and leases to total assets | 52.7577% | 4,911 |
| Net loans and leases to deposits | 59.1826% | 5,257 |
| Net loans and leases to core deposits | 65.4510% | 4,976 |
| Total domestic deposits to total assets | 89.1438% | 1,607 |
| Equity capital to assets | 10.8082% | 3,136 |
| Core capital (leverage) ratio | 9.9111% | 3,483 |
| Tier 1 risk-based capital ratio | 18.0344% | 2,277 |
| Total risk-based capital ratio | 19.2870% | 2,246 |
| Memoranda: | ||
| Average total assets | $292,281,500 | 2,226 |
| Average earning assets | $279,965,500 | 2,134 |
| Average equity | $32,502,000 | 2,118 |
| Average total loans | $160,911,000 | 2,467 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6915% | 4,282 |
| Cost of funding earning assets | 1.0080% | 3,316 |
| Net interest margin | 3.6834% | 4,372 |
| Noninterest income to average assets | 0.5542% | 3,480 |
| Noninterest expense to average assets | 1.9334% | 6,785 |
| Loan and lease loss provision to assets | 0.1832% | 4,358 |
| Net operating income to assets | 1.9558% | 335 |
| Return on assets (ROA) | 1.9575% | 357 |
| Pretax return on assets | 1.9575% | 580 |
| Return on Equity (ROE) | 18.7651% | 331 |
| Retained earnings to average equity (ytd only) | 11.2034% | 381 |
| Net charge-offs to loans | 0.1526% | 4,918 |
| Credit loss provision to net charge-offs | 218.1435% | 1,119 |
| Earnings coverage of net charge-offs (x) | 25.4684% | 971 |
| Efficiency ratio | 47.2503% | 6,982 |
| Assets per employee ($millions) | 6.6097% | 899 |
| Cash dividends to net income (ytd only)* | 40.2969% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 4,249 |
| Loan loss allowance to noncurrent loans | 556.0859% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.1474% | 6,585 |
| Noncurrent loans to loans | 0.2602% | 6,205 |
| Net loans and leases to total assets | 55.8328% | 4,742 |
| Net loans and leases to deposits | 63.0937% | 5,113 |
| Net loans and leases to core deposits | 68.9788% | 4,906 |
| Total domestic deposits to total assets | 88.4919% | 1,852 |
| Equity capital to assets | 11.4497% | 2,546 |
| Core capital (leverage) ratio | 10.0881% | 3,236 |
| Tier 1 risk-based capital ratio | 18.2037% | 2,130 |
| Total risk-based capital ratio | 19.4561% | 2,095 |
| Memoranda: | ||
| Average total assets | $282,191,400 | 2,248 |
| Average earning assets | $269,530,400 | 2,174 |
| Average equity | $29,437,600 | 2,232 |
| Average total loans | $155,278,000 | 2,562 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6856% | 4,524 |
| Cost of funding earning assets | 1.0544% | 3,286 |
| Net interest margin | 3.6312% | 4,651 |
| Noninterest income to average assets | 0.5599% | 3,450 |
| Noninterest expense to average assets | 1.9000% | 6,849 |
| Loan and lease loss provision to assets | 0.1614% | 4,452 |
| Net operating income to assets | 1.9624% | 370 |
| Return on assets (ROA) | 1.9662% | 401 |
| Pretax return on assets | 1.9662% | 668 |
| Return on Equity (ROE) | 19.3239% | 352 |
| Retained earnings to average equity (ytd only) | 8.9688% | 1,156 |
| Net charge-offs to loans | 0.0442% | 5,546 |
| Credit loss provision to net charge-offs | 668.6275% | 407 |
| Earnings coverage of net charge-offs (x) | 87.9782% | 407 |
| Efficiency ratio | 46.9945% | 7,015 |
| Assets per employee ($millions) | 6.7206% | 842 |
| Cash dividends to net income (ytd only)* | 53.5870% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4708% | 4,246 |
| Loan loss allowance to noncurrent loans | 265.3061% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.4007% | 6,078 |
| Noncurrent loans to loans | 0.5544% | 5,758 |
| Net loans and leases to total assets | 54.2428% | 5,135 |
| Net loans and leases to deposits | 60.8534% | 5,535 |
| Net loans and leases to core deposits | 69.5291% | 5,003 |
| Total domestic deposits to total assets | 89.1368% | 1,343 |
| Equity capital to assets | 10.7566% | 3,415 |
| Core capital (leverage) ratio | 9.3952% | 4,312 |
| Tier 1 risk-based capital ratio | 17.4593% | 2,461 |
| Total risk-based capital ratio | 18.7118% | 2,433 |
| Memoranda: | ||
| Average total assets | $281,684,750 | 2,260 |
| Average earning assets | $268,703,000 | 2,185 |
| Average equity | $28,661,500 | 2,294 |
| Average total loans | $153,843,250 | 2,610 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6735% | 4,644 |
| Cost of funding earning assets | 1.1066% | 3,192 |
| Net interest margin | 3.5669% | 4,851 |
| Noninterest income to average assets | 0.5486% | 3,483 |
| Noninterest expense to average assets | 1.9452% | 6,884 |
| Loan and lease loss provision to assets | 0.1110% | 4,908 |
| Net operating income to assets | 1.8929% | 417 |
| Return on assets (ROA) | 1.8951% | 445 |
| Pretax return on assets | 1.8951% | 717 |
| Return on Equity (ROE) | 18.9993% | 386 |
| Retained earnings to average equity (ytd only) | 9.0473% | 1,088 |
| Net charge-offs to loans | 0.0329% | 5,388 |
| Credit loss provision to net charge-offs | 620.0000% | 506 |
| Earnings coverage of net charge-offs (x) | 111.9200% | 324 |
| Efficiency ratio | 49.0207% | 7,006 |
| Assets per employee ($millions) | 7.1841% | 665 |
| Cash dividends to net income (ytd only)* | 52.3810% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4056% | 4,539 |
| Loan loss allowance to noncurrent loans | 496.5831% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.2981% | 6,387 |
| Noncurrent loans to loans | 0.2830% | 6,356 |
| Net loans and leases to total assets | 51.9162% | 5,573 |
| Net loans and leases to deposits | 57.8197% | 5,959 |
| Net loans and leases to core deposits | 68.6211% | 5,227 |
| Total domestic deposits to total assets | 89.7898% | 1,080 |
| Equity capital to assets | 10.0938% | 4,026 |
| Core capital (leverage) ratio | 9.4343% | 4,052 |
| Tier 1 risk-based capital ratio | 17.3753% | 2,387 |
| Total risk-based capital ratio | 18.6271% | 2,358 |
| Memoranda: | ||
| Average total assets | $279,251,000 | 2,299 |
| Average earning assets | $266,224,330 | 2,210 |
| Average equity | $27,853,670 | 2,326 |
| Average total loans | $152,093,000 | 2,658 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7200% | 4,431 |
| Cost of funding earning assets | 1.1506% | 3,154 |
| Net interest margin | 3.5693% | 4,725 |
| Noninterest income to average assets | 0.6141% | 3,072 |
| Noninterest expense to average assets | 1.9352% | 6,927 |
| Loan and lease loss provision to assets | 0.0884% | 4,906 |
| Net operating income to assets | 1.9941% | 351 |
| Return on assets (ROA) | 1.9985% | 366 |
| Pretax return on assets | 1.9985% | 562 |
| Return on Equity (ROE) | 20.1672% | 322 |
| Retained earnings to average equity (ytd only) | 10.2694% | 1,057 |
| Net charge-offs to loans | -0.1062% | 7,104 |
| Credit loss provision to net charge-offs | -150.0000% | 5,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9106% | 7,118 |
| Assets per employee ($millions) | 6.8596% | 793 |
| Cash dividends to net income (ytd only)* | 49.0789% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4267% | 4,534 |
| Loan loss allowance to noncurrent loans | 584.2391% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.4434% | 6,101 |
| Noncurrent loans to loans | 0.2442% | 6,499 |
| Net loans and leases to total assets | 52.8164% | 5,485 |
| Net loans and leases to deposits | 58.7068% | 5,858 |
| Net loans and leases to core deposits | 70.7462% | 4,957 |
| Total domestic deposits to total assets | 89.9664% | 1,167 |
| Equity capital to assets | 9.8402% | 3,973 |
| Core capital (leverage) ratio | 9.8393% | 3,345 |
| Tier 1 risk-based capital ratio | 17.4261% | 2,329 |
| Total risk-based capital ratio | 18.6780% | 2,295 |
| Memoranda: | ||
| Average total assets | $271,602,500 | 2,374 |
| Average earning assets | $258,985,500 | 2,278 |
| Average equity | $26,915,000 | 2,384 |
| Average total loans | $150,590,500 | 2,707 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1113% | 4,055 |
| Cost of funding earning assets | 1.2767% | 4,038 |
| Net interest margin | 3.8346% | 3,801 |
| Noninterest income to average assets | 0.5930% | 3,524 |
| Noninterest expense to average assets | 2.1728% | 6,690 |
| Loan and lease loss provision to assets | 0.1911% | 5,317 |
| Net operating income to assets | 1.8687% | 361 |
| Return on assets (ROA) | 1.8954% | 366 |
| Pretax return on assets | 1.8954% | 618 |
| Return on Equity (ROE) | 18.1267% | 372 |
| Retained earnings to average equity (ytd only) | 5.9296% | 1,857 |
| Net charge-offs to loans | 0.1871% | 5,181 |
| Credit loss provision to net charge-offs | 169.6864% | 2,000 |
| Earnings coverage of net charge-offs (x) | 18.2892% | 1,109 |
| Efficiency ratio | 51.0940% | 7,055 |
| Assets per employee ($millions) | 6.3893% | 996 |
| Cash dividends to net income (ytd only)* | 67.2878% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3622% | 4,686 |
| Loan loss allowance to noncurrent loans | 416.6667% | 746 |
| Noncurrent assets plus other real estate owned to assets | 1.0834% | 4,840 |
| Noncurrent loans to loans | 0.3269% | 6,399 |
| Net loans and leases to total assets | 56.6642% | 5,234 |
| Net loans and leases to deposits | 63.1990% | 5,719 |
| Net loans and leases to core deposits | 77.7293% | 4,488 |
| Total domestic deposits to total assets | 89.6599% | 1,290 |
| Equity capital to assets | 9.9843% | 3,756 |
| Core capital (leverage) ratio | 9.7793% | 3,346 |
| Tier 1 risk-based capital ratio | 16.8418% | 2,409 |
| Total risk-based capital ratio | 18.0928% | 2,375 |
| Memoranda: | ||
| Average total assets | $254,827,400 | 2,501 |
| Average earning assets | $241,874,000 | 2,410 |
| Average equity | $26,645,800 | 2,405 |
| Average total loans | $153,394,800 | 2,715 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1211% | 4,215 |
| Cost of funding earning assets | 1.2779% | 4,382 |
| Net interest margin | 3.8432% | 3,782 |
| Noninterest income to average assets | 0.5949% | 3,472 |
| Noninterest expense to average assets | 2.1224% | 6,804 |
| Loan and lease loss provision to assets | 0.1449% | 5,585 |
| Net operating income to assets | 1.9754% | 349 |
| Return on assets (ROA) | 2.0086% | 363 |
| Pretax return on assets | 2.0086% | 611 |
| Return on Equity (ROE) | 18.9870% | 390 |
| Retained earnings to average equity (ytd only) | 2.7992% | 4,475 |
| Net charge-offs to loans | 0.2812% | 4,257 |
| Credit loss provision to net charge-offs | 84.6154% | 4,976 |
| Earnings coverage of net charge-offs (x) | 12.3816% | 1,690 |
| Efficiency ratio | 49.7889% | 7,170 |
| Assets per employee ($millions) | 6.8112% | 827 |
| Cash dividends to net income (ytd only)* | 85.2572% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1972% | 5,510 |
| Loan loss allowance to noncurrent loans | 187.6955% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 1.5053% | 4,201 |
| Noncurrent loans to loans | 0.6378% | 5,933 |
| Net loans and leases to total assets | 57.3963% | 5,353 |
| Net loans and leases to deposits | 64.4583% | 5,857 |
| Net loans and leases to core deposits | 79.0735% | 4,649 |
| Total domestic deposits to total assets | 89.0440% | 1,370 |
| Equity capital to assets | 10.5901% | 3,420 |
| Core capital (leverage) ratio | 9.6153% | 3,744 |
| Tier 1 risk-based capital ratio | 15.8903% | 2,817 |
| Total risk-based capital ratio | 17.0431% | 2,814 |
| Memoranda: | ||
| Average total assets | $253,044,000 | 2,556 |
| Average earning assets | $240,176,000 | 2,457 |
| Average equity | $26,768,500 | 2,433 |
| Average total loans | $154,121,500 | 2,746 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0869% | 4,523 |
| Cost of funding earning assets | 1.2742% | 4,692 |
| Net interest margin | 3.8127% | 3,840 |
| Noninterest income to average assets | 0.5615% | 3,617 |
| Noninterest expense to average assets | 2.1408% | 6,786 |
| Loan and lease loss provision to assets | 0.0980% | 5,930 |
| Net operating income to assets | 1.9545% | 357 |
| Return on assets (ROA) | 1.9943% | 368 |
| Pretax return on assets | 1.9943% | 608 |
| Return on Equity (ROE) | 18.8592% | 399 |
| Retained earnings to average equity (ytd only) | 2.5231% | 4,548 |
| Net charge-offs to loans | 0.0296% | 5,924 |
| Credit loss provision to net charge-offs | 534.7826% | 694 |
| Earnings coverage of net charge-offs (x) | 112.0435% | 297 |
| Efficiency ratio | 50.8072% | 7,171 |
| Assets per employee ($millions) | 6.1995% | 1,099 |
| Cash dividends to net income (ytd only)* | 86.6214% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2573% | 5,141 |
| Loan loss allowance to noncurrent loans | 51.6967% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 1.4840% | 4,236 |
| Noncurrent loans to loans | 2.4320% | 3,218 |
| Net loans and leases to total assets | 60.2523% | 5,008 |
| Net loans and leases to deposits | 67.6192% | 5,602 |
| Net loans and leases to core deposits | 80.8899% | 4,565 |
| Total domestic deposits to total assets | 89.1053% | 1,375 |
| Equity capital to assets | 10.5757% | 3,316 |
| Core capital (leverage) ratio | 9.6315% | 3,636 |
| Tier 1 risk-based capital ratio | 15.4510% | 2,922 |
| Total risk-based capital ratio | 16.6769% | 2,896 |
| Memoranda: | ||
| Average total assets | $251,116,330 | 2,588 |
| Average earning assets | $239,202,000 | 2,488 |
| Average equity | $26,554,670 | 2,445 |
| Average total loans | $155,376,330 | 2,753 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2378% | 3,842 |
| Cost of funding earning assets | 1.2658% | 5,037 |
| Net interest margin | 3.9720% | 2,989 |
| Noninterest income to average assets | 0.5625% | 3,543 |
| Noninterest expense to average assets | 2.1043% | 6,929 |
| Loan and lease loss provision to assets | 0.1811% | 4,713 |
| Net operating income to assets | 2.0690% | 306 |
| Return on assets (ROA) | 2.0722% | 336 |
| Pretax return on assets | 2.0722% | 533 |
| Return on Equity (ROE) | 19.5972% | 404 |
| Retained earnings to average equity (ytd only) | 6.7294% | 2,256 |
| Net charge-offs to loans | 0.0334% | 5,113 |
| Credit loss provision to net charge-offs | 869.2308% | 532 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 302 |
| Efficiency ratio | 48.1045% | 7,433 |
| Assets per employee ($millions) | 6.1754% | 1,154 |
| Cash dividends to net income (ytd only)* | 65.6613% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2593% | 5,156 |
| Loan loss allowance to noncurrent loans | 44.6326% | 5,382 |
| Noncurrent assets plus other real estate owned to assets | 1.7256% | 3,886 |
| Noncurrent loans to loans | 2.8214% | 2,841 |
| Net loans and leases to total assets | 60.3901% | 5,053 |
| Net loans and leases to deposits | 68.0976% | 5,579 |
| Net loans and leases to core deposits | 80.4004% | 4,716 |
| Total domestic deposits to total assets | 88.6817% | 1,686 |
| Equity capital to assets | 10.5525% | 3,193 |
| Core capital (leverage) ratio | 10.0588% | 3,089 |
| Tier 1 risk-based capital ratio | 15.5064% | 2,863 |
| Total risk-based capital ratio | 16.7316% | 2,828 |
| Memoranda: | ||
| Average total assets | $249,585,500 | 2,658 |
| Average earning assets | $238,270,000 | 2,551 |
| Average equity | $26,391,500 | 2,472 |
| Average total loans | $155,515,500 | 2,821 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1839% | 5,728 |
| Cost of funding earning assets | 1.5979% | 5,037 |
| Net interest margin | 3.5859% | 4,598 |
| Noninterest income to average assets | 0.6269% | 3,449 |
| Noninterest expense to average assets | 2.0635% | 7,259 |
| Loan and lease loss provision to assets | 0.2727% | 5,230 |
| Net operating income to assets | 1.6863% | 464 |
| Return on assets (ROA) | 1.7666% | 405 |
| Pretax return on assets | 1.7666% | 678 |
| Return on Equity (ROE) | 17.5977% | 398 |
| Retained earnings to average equity (ytd only) | 7.9748% | 706 |
| Net charge-offs to loans | 0.2529% | 5,037 |
| Credit loss provision to net charge-offs | 172.5389% | 2,460 |
| Earnings coverage of net charge-offs (x) | 12.3938% | 1,515 |
| Efficiency ratio | 51.0333% | 7,472 |
| Assets per employee ($millions) | 5.9995% | 1,246 |
| Cash dividends to net income (ytd only)* | 54.6824% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1845% | 5,446 |
| Loan loss allowance to noncurrent loans | 30.7923% | 6,416 |
| Noncurrent assets plus other real estate owned to assets | 2.4425% | 2,849 |
| Noncurrent loans to loans | 3.8469% | 1,934 |
| Net loans and leases to total assets | 62.7403% | 4,860 |
| Net loans and leases to deposits | 71.5847% | 5,389 |
| Net loans and leases to core deposits | 100.8561% | 3,915 |
| Total domestic deposits to total assets | 87.6449% | 2,149 |
| Equity capital to assets | 10.5964% | 3,070 |
| Core capital (leverage) ratio | 9.8042% | 3,321 |
| Tier 1 risk-based capital ratio | 15.0757% | 2,900 |
| Total risk-based capital ratio | 16.2268% | 2,902 |
| Memoranda: | ||
| Average total assets | $244,200,800 | 2,672 |
| Average earning assets | $231,237,200 | 2,585 |
| Average equity | $24,514,600 | 2,658 |
| Average total loans | $152,600,800 | 2,882 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2023% | 5,866 |
| Cost of funding earning assets | 1.6616% | 5,100 |
| Net interest margin | 3.5407% | 4,697 |
| Noninterest income to average assets | 0.6432% | 3,395 |
| Noninterest expense to average assets | 2.0605% | 7,269 |
| Loan and lease loss provision to assets | 0.2237% | 5,181 |
| Net operating income to assets | 1.7088% | 551 |
| Return on assets (ROA) | 1.8154% | 460 |
| Pretax return on assets | 1.8154% | 780 |
| Return on Equity (ROE) | 18.3414% | 423 |
| Retained earnings to average equity (ytd only) | 5.3051% | 2,312 |
| Net charge-offs to loans | 0.2276% | 4,633 |
| Credit loss provision to net charge-offs | 157.9151% | 3,013 |
| Earnings coverage of net charge-offs (x) | 13.6411% | 1,665 |
| Efficiency ratio | 51.3425% | 7,461 |
| Assets per employee ($millions) | 5.7185% | 1,418 |
| Cash dividends to net income (ytd only)* | 71.0756% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1131% | 5,646 |
| Loan loss allowance to noncurrent loans | 28.3034% | 6,583 |
| Noncurrent assets plus other real estate owned to assets | 2.4714% | 2,784 |
| Noncurrent loans to loans | 3.9327% | 1,872 |
| Net loans and leases to total assets | 62.1425% | 5,218 |
| Net loans and leases to deposits | 70.7717% | 5,814 |
| Net loans and leases to core deposits | 95.2715% | 4,900 |
| Total domestic deposits to total assets | 87.8070% | 1,744 |
| Equity capital to assets | 10.3548% | 3,673 |
| Core capital (leverage) ratio | 9.3600% | 4,101 |
| Tier 1 risk-based capital ratio | 14.6590% | 3,198 |
| Total risk-based capital ratio | 15.7444% | 3,224 |
| Memoranda: | ||
| Average total assets | $243,756,250 | 2,691 |
| Average earning assets | $230,611,000 | 2,611 |
| Average equity | $24,127,000 | 2,732 |
| Average total loans | $151,706,500 | 2,917 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2657% | 5,808 |
| Cost of funding earning assets | 1.6997% | 5,277 |
| Net interest margin | 3.5660% | 4,516 |
| Noninterest income to average assets | 0.6270% | 3,485 |
| Noninterest expense to average assets | 2.1025% | 7,273 |
| Loan and lease loss provision to assets | 0.1045% | 6,121 |
| Net operating income to assets | 1.7865% | 479 |
| Return on assets (ROA) | 1.8030% | 501 |
| Pretax return on assets | 1.8030% | 846 |
| Return on Equity (ROE) | 18.5035% | 447 |
| Retained earnings to average equity (ytd only) | 3.6483% | 3,269 |
| Net charge-offs to loans | 0.0358% | 5,960 |
| Credit loss provision to net charge-offs | 470.3704% | 987 |
| Earnings coverage of net charge-offs (x) | 85.1111% | 452 |
| Efficiency ratio | 52.3800% | 7,481 |
| Assets per employee ($millions) | 6.1248% | 1,139 |
| Cash dividends to net income (ytd only)* | 80.2830% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 5,525 |
| Loan loss allowance to noncurrent loans | 42.2785% | 5,535 |
| Noncurrent assets plus other real estate owned to assets | 1.6431% | 3,741 |
| Noncurrent loans to loans | 2.6268% | 2,752 |
| Net loans and leases to total assets | 59.2175% | 5,803 |
| Net loans and leases to deposits | 66.6652% | 6,335 |
| Net loans and leases to core deposits | 89.6520% | 5,563 |
| Total domestic deposits to total assets | 88.8282% | 1,363 |
| Equity capital to assets | 9.3682% | 4,785 |
| Core capital (leverage) ratio | 9.1504% | 4,383 |
| Tier 1 risk-based capital ratio | 14.6846% | 3,154 |
| Total risk-based capital ratio | 15.7652% | 3,179 |
| Memoranda: | ||
| Average total assets | $243,043,000 | 2,725 |
| Average earning assets | $229,447,000 | 2,639 |
| Average equity | $23,682,000 | 2,792 |
| Average total loans | $150,766,670 | 2,972 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4079% | 5,383 |
| Cost of funding earning assets | 1.7623% | 5,303 |
| Net interest margin | 3.6455% | 4,118 |
| Noninterest income to average assets | 0.6360% | 3,300 |
| Noninterest expense to average assets | 2.1606% | 6,976 |
| Loan and lease loss provision to assets | 0.0720% | 6,061 |
| Net operating income to assets | 1.8343% | 496 |
| Return on assets (ROA) | 1.8393% | 550 |
| Pretax return on assets | 1.8393% | 912 |
| Return on Equity (ROE) | 18.5013% | 551 |
| Retained earnings to average equity (ytd only) | 6.6665% | 2,340 |
| Net charge-offs to loans | -0.1510% | 7,972 |
| Credit loss provision to net charge-offs | -75.4386% | 6,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8807% | 7,332 |
| Assets per employee ($millions) | 5.8594% | 1,281 |
| Cash dividends to net income (ytd only)* | 63.9672% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 5,468 |
| Loan loss allowance to noncurrent loans | 41.7187% | 5,761 |
| Noncurrent assets plus other real estate owned to assets | 1.7383% | 3,310 |
| Noncurrent loans to loans | 2.6374% | 2,492 |
| Net loans and leases to total assets | 62.4825% | 5,239 |
| Net loans and leases to deposits | 70.9775% | 5,871 |
| Net loans and leases to core deposits | 93.5922% | 5,199 |
| Total domestic deposits to total assets | 88.0314% | 1,736 |
| Equity capital to assets | 10.0347% | 3,966 |
| Core capital (leverage) ratio | 9.5148% | 3,960 |
| Tier 1 risk-based capital ratio | 14.4648% | 3,329 |
| Total risk-based capital ratio | 15.5312% | 3,368 |
| Memoranda: | ||
| Average total assets | $239,007,000 | 2,778 |
| Average earning assets | $224,932,000 | 2,705 |
| Average equity | $23,760,500 | 2,797 |
| Average total loans | $150,963,000 | 2,994 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9599% | 5,754 |
| Cost of funding earning assets | 2.4722% | 4,353 |
| Net interest margin | 3.4876% | 5,337 |
| Noninterest income to average assets | 0.6391% | 3,560 |
| Noninterest expense to average assets | 2.0687% | 7,302 |
| Loan and lease loss provision to assets | 0.0306% | 7,021 |
| Net operating income to assets | 1.8445% | 504 |
| Return on assets (ROA) | 1.8613% | 461 |
| Pretax return on assets | 1.8613% | 833 |
| Return on Equity (ROE) | 19.5425% | 412 |
| Retained earnings to average equity (ytd only) | 3.1333% | 3,207 |
| Net charge-offs to loans | -0.1865% | 8,158 |
| Credit loss provision to net charge-offs | -25.9124% | 7,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1706% | 7,466 |
| Assets per employee ($millions) | 5.7994% | 1,265 |
| Cash dividends to net income (ytd only)* | 83.9666% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 5,660 |
| Loan loss allowance to noncurrent loans | 37.4344% | 6,229 |
| Noncurrent assets plus other real estate owned to assets | 1.8366% | 2,688 |
| Noncurrent loans to loans | 2.7932% | 1,946 |
| Net loans and leases to total assets | 62.4871% | 5,542 |
| Net loans and leases to deposits | 70.8117% | 6,193 |
| Net loans and leases to core deposits | 88.9546% | 5,895 |
| Total domestic deposits to total assets | 88.2440% | 1,363 |
| Equity capital to assets | 9.8470% | 4,228 |
| Core capital (leverage) ratio | 9.3338% | 4,251 |
| Tier 1 risk-based capital ratio | 14.3551% | 3,360 |
| Total risk-based capital ratio | 15.3681% | 3,409 |
| Memoranda: | ||
| Average total assets | $231,883,000 | 2,745 |
| Average earning assets | $219,719,600 | 2,664 |
| Average equity | $22,085,200 | 2,961 |
| Average total loans | $146,912,400 | 2,980 |