Home > The First State Bank > Performance and Condition Ratios
The First State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3449% | 1,405 |
| Cost of funding earning assets | 0.5766% | 4,106 |
| Net interest margin | 4.7682% | 434 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 2.7171% | 1,696 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 2.4621% | 249 |
| Return on assets (ROA) | 2.4489% | 243 |
| Pretax return on assets | 2.4489% | 353 |
| Return on Equity (ROE) | 38.1400% | 96 |
| Retained earnings to average equity (ytd only) | 11.5304% | 694 |
| Net charge-offs to loans | 0.0360% | 1,586 |
| Credit loss provision to net charge-offs | 225.2525% | 1,137 |
| Earnings coverage of net charge-offs (x) | 100.4798% | 902 |
| Efficiency ratio | 52.2310% | 3,812 |
| Assets per employee ($millions) | 5.1091% | 3,554 |
| Cash dividends to net income (ytd only)* | 69.7713% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3414% | 1,606 |
| Loan loss allowance to noncurrent loans | 1,624.2826% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 3,211 |
| Noncurrent loans to loans | 0.0826% | 3,134 |
| Net loans and leases to total assets | 67.0400% | 2,143 |
| Net loans and leases to deposits | 72.8654% | 2,708 |
| Net loans and leases to core deposits | 75.6964% | 2,996 |
| Total domestic deposits to total assets | 92.0100% | 309 |
| Equity capital to assets | 7.2453% | 3,847 |
| Core capital (leverage) ratio | 10.1751% | 2,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $803,614,800 | 1,178 |
| Average earning assets | $757,661,000 | 1,159 |
| Average equity | $51,594,200 | 1,568 |
| Average total loans | $549,755,600 | 1,153 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2407% | 1,372 |
| Cost of funding earning assets | 0.5177% | 4,106 |
| Net interest margin | 4.7230% | 448 |
| Noninterest income to average assets | 0.7000% | 1,185 |
| Noninterest expense to average assets | 2.6898% | 1,694 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 2.4621% | 277 |
| Return on assets (ROA) | 2.4445% | 276 |
| Pretax return on assets | 2.4445% | 408 |
| Return on Equity (ROE) | 39.3500% | 117 |
| Retained earnings to average equity (ytd only) | 14.7176% | 591 |
| Net charge-offs to loans | 0.0165% | 1,808 |
| Credit loss provision to net charge-offs | 570.5882% | 576 |
| Earnings coverage of net charge-offs (x) | 218.5441% | 558 |
| Efficiency ratio | 52.0303% | 3,753 |
| Assets per employee ($millions) | 5.0526% | 3,565 |
| Cash dividends to net income (ytd only)* | 62.5943% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 1,686 |
| Loan loss allowance to noncurrent loans | 18,572.5000% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 3,818 |
| Noncurrent loans to loans | 0.0072% | 3,757 |
| Net loans and leases to total assets | 67.9600% | 2,043 |
| Net loans and leases to deposits | 72.8643% | 2,656 |
| Net loans and leases to core deposits | 75.3631% | 2,911 |
| Total domestic deposits to total assets | 93.2700% | 264 |
| Equity capital to assets | 5.9544% | 4,004 |
| Core capital (leverage) ratio | 10.1310% | 2,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $802,709,750 | 1,179 |
| Average earning assets | $756,932,750 | 1,162 |
| Average equity | $49,871,000 | 1,596 |
| Average total loans | $550,061,500 | 1,147 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0751% | 1,410 |
| Cost of funding earning assets | 0.4249% | 4,127 |
| Net interest margin | 4.6502% | 493 |
| Noninterest income to average assets | 0.6700% | 1,209 |
| Noninterest expense to average assets | 2.6570% | 1,764 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 2.3492% | 290 |
| Return on assets (ROA) | 2.3228% | 293 |
| Pretax return on assets | 2.3228% | 451 |
| Return on Equity (ROE) | 36.8700% | 130 |
| Retained earnings to average equity (ytd only) | 14.7697% | 588 |
| Net charge-offs to loans | 0.0062% | 2,019 |
| Credit loss provision to net charge-offs | 2,600.0000% | 209 |
| Earnings coverage of net charge-offs (x) | 565.2353% | 257 |
| Efficiency ratio | 52.4322% | 3,745 |
| Assets per employee ($millions) | 5.0419% | 3,563 |
| Cash dividends to net income (ytd only)* | 59.9464% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 1,771 |
| Loan loss allowance to noncurrent loans | 2,710.0719% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 3,420 |
| Noncurrent loans to loans | 0.0493% | 3,359 |
| Net loans and leases to total assets | 70.2700% | 1,709 |
| Net loans and leases to deposits | 75.6752% | 2,342 |
| Net loans and leases to core deposits | 77.4627% | 2,659 |
| Total domestic deposits to total assets | 92.8500% | 274 |
| Equity capital to assets | 6.4416% | 4,015 |
| Core capital (leverage) ratio | 9.9393% | 2,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $802,490,667 | 1,179 |
| Average earning assets | $756,827,667 | 1,158 |
| Average equity | $50,549,333 | 1,587 |
| Average total loans | $548,939,667 | 1,135 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8393% | 1,528 |
| Cost of funding earning assets | 0.3181% | 4,144 |
| Net interest margin | 4.5211% | 570 |
| Noninterest income to average assets | 0.6800% | 1,161 |
| Noninterest expense to average assets | 2.6338% | 1,864 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 2.2640% | 339 |
| Return on assets (ROA) | 2.2170% | 356 |
| Pretax return on assets | 2.2170% | 557 |
| Return on Equity (ROE) | 35.5900% | 153 |
| Retained earnings to average equity (ytd only) | 15.0609% | 796 |
| Net charge-offs to loans | 0.1234% | 529 |
| Credit loss provision to net charge-offs | 134.1317% | 992 |
| Earnings coverage of net charge-offs (x) | 27.9641% | 1,334 |
| Efficiency ratio | 52.9530% | 3,710 |
| Assets per employee ($millions) | 5.1381% | 3,540 |
| Cash dividends to net income (ytd only)* | 57.6820% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3014% | 2,031 |
| Loan loss allowance to noncurrent loans | 2,788.3268% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 3,465 |
| Noncurrent loans to loans | 0.0467% | 3,401 |
| Net loans and leases to total assets | 67.3700% | 1,916 |
| Net loans and leases to deposits | 72.5686% | 2,419 |
| Net loans and leases to core deposits | 74.0810% | 2,671 |
| Total domestic deposits to total assets | 92.8400% | 335 |
| Equity capital to assets | 6.5141% | 4,023 |
| Core capital (leverage) ratio | 9.7055% | 2,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $807,948,500 | 1,188 |
| Average earning assets | $763,171,000 | 1,169 |
| Average equity | $50,329,000 | 1,607 |
| Average total loans | $541,536,000 | 1,158 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4558% | 787 |
| Cost of funding earning assets | 0.0972% | 4,405 |
| Net interest margin | 4.3586% | 376 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 2.5918% | 1,849 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 2.0895% | 251 |
| Return on assets (ROA) | 2.0895% | 242 |
| Pretax return on assets | 2.0895% | 385 |
| Return on Equity (ROE) | 31.7500% | 94 |
| Retained earnings to average equity (ytd only) | 10.4226% | 1,034 |
| Net charge-offs to loans | 0.0766% | 879 |
| Credit loss provision to net charge-offs | 143.9024% | 1,327 |
| Earnings coverage of net charge-offs (x) | 42.7683% | 1,466 |
| Efficiency ratio | 53.1969% | 3,862 |
| Assets per employee ($millions) | 5.1873% | 3,524 |
| Cash dividends to net income (ytd only)* | 67.1703% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 1,880 |
| Loan loss allowance to noncurrent loans | 2,173.6677% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.1254% | 2,650 |
| Noncurrent loans to loans | 0.0599% | 3,322 |
| Net loans and leases to total assets | 64.9400% | 2,147 |
| Net loans and leases to deposits | 69.4794% | 2,625 |
| Net loans and leases to core deposits | 70.9080% | 2,807 |
| Total domestic deposits to total assets | 93.4700% | 312 |
| Equity capital to assets | 5.9453% | 4,107 |
| Core capital (leverage) ratio | 9.4254% | 3,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $810,946,200 | 1,172 |
| Average earning assets | $765,655,200 | 1,152 |
| Average equity | $53,374,400 | 1,535 |
| Average total loans | $535,271,600 | 1,120 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3621% | 636 |
| Cost of funding earning assets | 0.0823% | 4,401 |
| Net interest margin | 4.2798% | 351 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.5704% | 1,793 |
| Loan and lease loss provision to assets | 0.2200% | 387 |
| Net operating income to assets | 1.8833% | 356 |
| Return on assets (ROA) | 1.8833% | 350 |
| Pretax return on assets | 1.8833% | 607 |
| Return on Equity (ROE) | 27.9400% | 121 |
| Retained earnings to average equity (ytd only) | 8.4620% | 1,829 |
| Net charge-offs to loans | 0.0595% | 888 |
| Credit loss provision to net charge-offs | 558.5774% | 575 |
| Earnings coverage of net charge-offs (x) | 53.5397% | 1,244 |
| Efficiency ratio | 53.6149% | 3,851 |
| Assets per employee ($millions) | 5.1225% | 3,568 |
| Cash dividends to net income (ytd only)* | 69.7147% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4129% | 1,568 |
| Loan loss allowance to noncurrent loans | 935.6377% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 2,929 |
| Noncurrent loans to loans | 0.1510% | 2,856 |
| Net loans and leases to total assets | 67.2500% | 1,760 |
| Net loans and leases to deposits | 71.6162% | 2,238 |
| Net loans and leases to core deposits | 73.1972% | 2,413 |
| Total domestic deposits to total assets | 93.9100% | 376 |
| Equity capital to assets | 5.4319% | 4,151 |
| Core capital (leverage) ratio | 9.1081% | 3,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $811,379,250 | 1,181 |
| Average earning assets | $766,252,750 | 1,158 |
| Average equity | $54,690,500 | 1,517 |
| Average total loans | $535,977,250 | 1,119 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2585% | 557 |
| Cost of funding earning assets | 0.0732% | 4,440 |
| Net interest margin | 4.1853% | 347 |
| Noninterest income to average assets | 0.6469% | 1,554 |
| Noninterest expense to average assets | 2.4839% | 1,978 |
| Loan and lease loss provision to assets | 0.2900% | 228 |
| Net operating income to assets | 1.8261% | 319 |
| Return on assets (ROA) | 1.8261% | 313 |
| Pretax return on assets | 1.8261% | 558 |
| Return on Equity (ROE) | 25.4378% | 103 |
| Retained earnings to average equity (ytd only) | 8.9319% | 1,310 |
| Net charge-offs to loans | 0.0778% | 689 |
| Credit loss provision to net charge-offs | 570.3883% | 596 |
| Earnings coverage of net charge-offs (x) | 41.6214% | 1,241 |
| Efficiency ratio | 52.6022% | 4,081 |
| Assets per employee ($millions) | 5.1231% | 3,573 |
| Cash dividends to net income (ytd only)* | 64.8871% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3921% | 1,791 |
| Loan loss allowance to noncurrent loans | 1,829.6209% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 3,463 |
| Noncurrent loans to loans | 0.0761% | 3,413 |
| Net loans and leases to total assets | 67.9969% | 1,478 |
| Net loans and leases to deposits | 72.9093% | 1,964 |
| Net loans and leases to core deposits | 74.6732% | 2,113 |
| Total domestic deposits to total assets | 93.2623% | 447 |
| Equity capital to assets | 5.8251% | 4,263 |
| Core capital (leverage) ratio | 9.0462% | 3,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $810,346,000 | 1,183 |
| Average earning assets | $765,387,333 | 1,170 |
| Average equity | $58,173,333 | 1,475 |
| Average total loans | $529,432,000 | 1,125 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0934% | 650 |
| Cost of funding earning assets | 0.0724% | 4,425 |
| Net interest margin | 4.0210% | 400 |
| Noninterest income to average assets | 0.6206% | 1,604 |
| Noninterest expense to average assets | 2.4137% | 2,115 |
| Loan and lease loss provision to assets | 0.4254% | 118 |
| Net operating income to assets | 1.5762% | 545 |
| Return on assets (ROA) | 1.5762% | 537 |
| Pretax return on assets | 1.5762% | 870 |
| Return on Equity (ROE) | 20.0835% | 227 |
| Retained earnings to average equity (ytd only) | 7.5760% | 1,709 |
| Net charge-offs to loans | 0.1285% | 439 |
| Credit loss provision to net charge-offs | 521.0843% | 501 |
| Earnings coverage of net charge-offs (x) | 24.5181% | 1,210 |
| Efficiency ratio | 53.3526% | 4,096 |
| Assets per employee ($millions) | 5.2846% | 3,498 |
| Cash dividends to net income (ytd only)* | 62.2777% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4011% | 1,899 |
| Loan loss allowance to noncurrent loans | 3,105.0000% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 3,746 |
| Noncurrent loans to loans | 0.0451% | 3,657 |
| Net loans and leases to total assets | 64.8600% | 1,518 |
| Net loans and leases to deposits | 70.2026% | 1,949 |
| Net loans and leases to core deposits | 72.1363% | 2,093 |
| Total domestic deposits to total assets | 92.3897% | 438 |
| Equity capital to assets | 7.0761% | 4,176 |
| Core capital (leverage) ratio | 8.7423% | 3,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $813,355,000 | 1,179 |
| Average earning assets | $767,579,500 | 1,172 |
| Average equity | $63,833,500 | 1,416 |
| Average total loans | $516,828,500 | 1,133 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3767% | 745 |
| Cost of funding earning assets | 0.0942% | 4,424 |
| Net interest margin | 4.2825% | 424 |
| Noninterest income to average assets | 0.5238% | 2,471 |
| Noninterest expense to average assets | 2.5951% | 1,882 |
| Loan and lease loss provision to assets | 0.1652% | 708 |
| Net operating income to assets | 1.7777% | 535 |
| Return on assets (ROA) | 1.7745% | 563 |
| Pretax return on assets | 1.7745% | 968 |
| Return on Equity (ROE) | 19.8883% | 314 |
| Retained earnings to average equity (ytd only) | 6.1129% | 2,310 |
| Net charge-offs to loans | 0.0548% | 1,242 |
| Credit loss provision to net charge-offs | 486.0902% | 820 |
| Earnings coverage of net charge-offs (x) | 57.1579% | 1,211 |
| Efficiency ratio | 55.3857% | 3,773 |
| Assets per employee ($millions) | 5.4544% | 3,302 |
| Cash dividends to net income (ytd only)* | 69.2640% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3458% | 2,157 |
| Loan loss allowance to noncurrent loans | 1,424.6835% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.0579% | 3,578 |
| Noncurrent loans to loans | 0.0945% | 3,450 |
| Net loans and leases to total assets | 60.5048% | 2,109 |
| Net loans and leases to deposits | 66.6166% | 2,451 |
| Net loans and leases to core deposits | 68.4595% | 2,607 |
| Total domestic deposits to total assets | 90.8255% | 572 |
| Equity capital to assets | 8.6111% | 3,978 |
| Core capital (leverage) ratio | 8.7460% | 3,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $782,515,600 | 1,181 |
| Average earning assets | $733,501,600 | 1,175 |
| Average equity | $69,819,800 | 1,350 |
| Average total loans | $485,552,200 | 1,190 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9752% | 314 |
| Cost of funding earning assets | 0.1069% | 4,446 |
| Net interest margin | 4.8683% | 181 |
| Noninterest income to average assets | 0.5925% | 2,239 |
| Noninterest expense to average assets | 2.8531% | 1,211 |
| Loan and lease loss provision to assets | 0.1508% | 749 |
| Net operating income to assets | 2.1352% | 369 |
| Return on assets (ROA) | 2.1279% | 397 |
| Pretax return on assets | 2.1279% | 649 |
| Return on Equity (ROE) | 24.3027% | 197 |
| Retained earnings to average equity (ytd only) | 8.1373% | 2,011 |
| Net charge-offs to loans | 0.0448% | 1,218 |
| Credit loss provision to net charge-offs | 470.7792% | 787 |
| Earnings coverage of net charge-offs (x) | 71.3961% | 1,055 |
| Efficiency ratio | 53.3579% | 3,890 |
| Assets per employee ($millions) | 4.6809% | 3,983 |
| Cash dividends to net income (ytd only)* | 66.5169% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2975% | 2,501 |
| Loan loss allowance to noncurrent loans | 1,275.4564% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.0752% | 3,602 |
| Noncurrent loans to loans | 0.1017% | 3,575 |
| Net loans and leases to total assets | 72.9935% | 777 |
| Net loans and leases to deposits | 80.6982% | 1,221 |
| Net loans and leases to core deposits | 82.4319% | 1,539 |
| Total domestic deposits to total assets | 90.4525% | 585 |
| Equity capital to assets | 8.8155% | 3,986 |
| Core capital (leverage) ratio | 8.7506% | 3,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $641,306,750 | 1,394 |
| Average earning assets | $598,908,250 | 1,396 |
| Average equity | $56,151,500 | 1,620 |
| Average total loans | $458,719,750 | 1,261 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8936% | 408 |
| Cost of funding earning assets | 0.1163% | 4,467 |
| Net interest margin | 4.7773% | 227 |
| Noninterest income to average assets | 0.5831% | 2,287 |
| Noninterest expense to average assets | 2.8412% | 1,269 |
| Loan and lease loss provision to assets | 0.1571% | 743 |
| Net operating income to assets | 2.0370% | 458 |
| Return on assets (ROA) | 2.0426% | 480 |
| Pretax return on assets | 2.0426% | 764 |
| Return on Equity (ROE) | 23.3836% | 245 |
| Retained earnings to average equity (ytd only) | 9.0125% | 1,705 |
| Net charge-offs to loans | 0.0520% | 1,099 |
| Credit loss provision to net charge-offs | 427.3504% | 735 |
| Earnings coverage of net charge-offs (x) | 59.6923% | 971 |
| Efficiency ratio | 53.9618% | 3,813 |
| Assets per employee ($millions) | 4.6415% | 3,978 |
| Cash dividends to net income (ytd only)* | 61.4580% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2751% | 2,558 |
| Loan loss allowance to noncurrent loans | 1,936.1905% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0523% | 3,892 |
| Noncurrent loans to loans | 0.0659% | 3,861 |
| Net loans and leases to total assets | 72.1530% | 948 |
| Net loans and leases to deposits | 80.2745% | 1,400 |
| Net loans and leases to core deposits | 82.0103% | 1,726 |
| Total domestic deposits to total assets | 89.8828% | 836 |
| Equity capital to assets | 8.6057% | 4,125 |
| Core capital (leverage) ratio | 8.6321% | 3,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $636,632,000 | 1,395 |
| Average earning assets | $593,299,667 | 1,395 |
| Average equity | $55,611,667 | 1,623 |
| Average total loans | $450,080,667 | 1,289 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7511% | 531 |
| Cost of funding earning assets | 0.1285% | 4,468 |
| Net interest margin | 4.6226% | 307 |
| Noninterest income to average assets | 0.6015% | 2,206 |
| Noninterest expense to average assets | 2.7821% | 1,404 |
| Loan and lease loss provision to assets | 0.1434% | 927 |
| Net operating income to assets | 1.9620% | 600 |
| Return on assets (ROA) | 1.9748% | 633 |
| Pretax return on assets | 1.9748% | 987 |
| Return on Equity (ROE) | 22.4334% | 366 |
| Retained earnings to average equity (ytd only) | 8.0207% | 2,225 |
| Net charge-offs to loans | 0.0991% | 691 |
| Credit loss provision to net charge-offs | 208.3333% | 875 |
| Earnings coverage of net charge-offs (x) | 30.5926% | 1,088 |
| Efficiency ratio | 54.3546% | 3,744 |
| Assets per employee ($millions) | 4.6462% | 3,985 |
| Cash dividends to net income (ytd only)* | 64.2465% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 2,318 |
| Loan loss allowance to noncurrent loans | 1,726.0355% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 3,975 |
| Noncurrent loans to loans | 0.0768% | 3,909 |
| Net loans and leases to total assets | 66.7542% | 1,690 |
| Net loans and leases to deposits | 73.4064% | 2,168 |
| Net loans and leases to core deposits | 75.1630% | 2,417 |
| Total domestic deposits to total assets | 90.9378% | 425 |
| Equity capital to assets | 8.4542% | 4,147 |
| Core capital (leverage) ratio | 8.7587% | 3,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $627,719,000 | 1,395 |
| Average earning assets | $582,013,500 | 1,404 |
| Average equity | $55,257,000 | 1,626 |
| Average total loans | $435,966,000 | 1,316 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5455% | 175 |
| Cost of funding earning assets | 0.2217% | 4,502 |
| Net interest margin | 5.3239% | 82 |
| Noninterest income to average assets | 0.6465% | 2,040 |
| Noninterest expense to average assets | 3.0337% | 1,367 |
| Loan and lease loss provision to assets | 0.2521% | 1,537 |
| Net operating income to assets | 2.3352% | 164 |
| Return on assets (ROA) | 2.3618% | 171 |
| Pretax return on assets | 2.3618% | 234 |
| Return on Equity (ROE) | 25.7452% | 99 |
| Retained earnings to average equity (ytd only) | 8.1837% | 1,002 |
| Net charge-offs to loans | 0.0541% | 2,013 |
| Credit loss provision to net charge-offs | 637.3333% | 1,065 |
| Earnings coverage of net charge-offs (x) | 65.4044% | 1,020 |
| Efficiency ratio | 52.0128% | 4,380 |
| Assets per employee ($millions) | 4.5147% | 3,901 |
| Cash dividends to net income (ytd only)* | 68.2126% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3235% | 2,295 |
| Loan loss allowance to noncurrent loans | 2,529.2035% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0374% | 4,169 |
| Noncurrent loans to loans | 0.0523% | 4,082 |
| Net loans and leases to total assets | 70.4444% | 1,501 |
| Net loans and leases to deposits | 78.0617% | 2,064 |
| Net loans and leases to core deposits | 80.1379% | 2,354 |
| Total domestic deposits to total assets | 90.2419% | 473 |
| Equity capital to assets | 9.1777% | 3,908 |
| Core capital (leverage) ratio | 8.6173% | 4,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $568,772,800 | 1,401 |
| Average earning assets | $531,455,600 | 1,389 |
| Average equity | $52,176,800 | 1,623 |
| Average total loans | $416,120,600 | 1,309 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5849% | 194 |
| Cost of funding earning assets | 0.2366% | 4,546 |
| Net interest margin | 5.3482% | 89 |
| Noninterest income to average assets | 0.6365% | 2,042 |
| Noninterest expense to average assets | 2.9373% | 1,596 |
| Loan and lease loss provision to assets | 0.3059% | 1,317 |
| Net operating income to assets | 2.4109% | 160 |
| Return on assets (ROA) | 2.4469% | 161 |
| Pretax return on assets | 2.4469% | 231 |
| Return on Equity (ROE) | 26.6761% | 97 |
| Retained earnings to average equity (ytd only) | 10.1438% | 728 |
| Net charge-offs to loans | 0.0440% | 1,997 |
| Credit loss provision to net charge-offs | 944.1176% | 865 |
| Earnings coverage of net charge-offs (x) | 83.8603% | 896 |
| Efficiency ratio | 50.1475% | 4,481 |
| Assets per employee ($millions) | 4.5772% | 3,748 |
| Cash dividends to net income (ytd only)* | 61.9743% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2331% | 2,481 |
| Loan loss allowance to noncurrent loans | 3,821.6216% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0241% | 4,346 |
| Noncurrent loans to loans | 0.0323% | 4,264 |
| Net loans and leases to total assets | 73.8616% | 1,385 |
| Net loans and leases to deposits | 81.6088% | 2,138 |
| Net loans and leases to core deposits | 83.6740% | 2,509 |
| Total domestic deposits to total assets | 90.5068% | 283 |
| Equity capital to assets | 8.8448% | 4,220 |
| Core capital (leverage) ratio | 8.6809% | 4,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $559,724,750 | 1,397 |
| Average earning assets | $525,118,750 | 1,388 |
| Average equity | $51,340,500 | 1,639 |
| Average total loans | $412,180,750 | 1,311 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6508% | 256 |
| Cost of funding earning assets | 0.2619% | 4,586 |
| Net interest margin | 5.3888% | 101 |
| Noninterest income to average assets | 0.6529% | 1,925 |
| Noninterest expense to average assets | 3.0499% | 1,462 |
| Loan and lease loss provision to assets | 0.3078% | 1,400 |
| Net operating income to assets | 2.3372% | 179 |
| Return on assets (ROA) | 2.3929% | 176 |
| Pretax return on assets | 2.3929% | 253 |
| Return on Equity (ROE) | 25.7410% | 103 |
| Retained earnings to average equity (ytd only) | 9.2037% | 955 |
| Net charge-offs to loans | 0.0580% | 1,676 |
| Credit loss provision to net charge-offs | 725.2174% | 978 |
| Earnings coverage of net charge-offs (x) | 62.3130% | 939 |
| Efficiency ratio | 51.7726% | 4,371 |
| Assets per employee ($millions) | 4.3232% | 3,979 |
| Cash dividends to net income (ytd only)* | 64.2449% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 2,582 |
| Loan loss allowance to noncurrent loans | 2,721.8750% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 4,387 |
| Noncurrent loans to loans | 0.0436% | 4,309 |
| Net loans and leases to total assets | 73.9554% | 1,417 |
| Net loans and leases to deposits | 81.8474% | 2,224 |
| Net loans and leases to core deposits | 83.8562% | 2,615 |
| Total domestic deposits to total assets | 90.3577% | 310 |
| Equity capital to assets | 8.9234% | 4,154 |
| Core capital (leverage) ratio | 8.6960% | 4,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $541,851,000 | 1,414 |
| Average earning assets | $506,973,667 | 1,401 |
| Average equity | $50,371,000 | 1,663 |
| Average total loans | $396,680,000 | 1,333 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6338% | 279 |
| Cost of funding earning assets | 0.2940% | 4,674 |
| Net interest margin | 5.3399% | 119 |
| Noninterest income to average assets | 0.7787% | 1,372 |
| Noninterest expense to average assets | 3.1434% | 1,537 |
| Loan and lease loss provision to assets | 0.2637% | 1,181 |
| Net operating income to assets | 2.3578% | 140 |
| Return on assets (ROA) | 2.3971% | 143 |
| Pretax return on assets | 2.3971% | 202 |
| Return on Equity (ROE) | 25.2131% | 66 |
| Retained earnings to average equity (ytd only) | 6.9663% | 1,550 |
| Net charge-offs to loans | 0.1248% | 961 |
| Credit loss provision to net charge-offs | 292.3077% | 1,201 |
| Earnings coverage of net charge-offs (x) | 29.0598% | 1,203 |
| Efficiency ratio | 52.6548% | 4,495 |
| Assets per employee ($millions) | 3.8427% | 4,125 |
| Cash dividends to net income (ytd only)* | 72.3705% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 2,560 |
| Loan loss allowance to noncurrent loans | 6,310.6667% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 4,570 |
| Noncurrent loans to loans | 0.0193% | 4,497 |
| Net loans and leases to total assets | 73.8153% | 1,643 |
| Net loans and leases to deposits | 82.1208% | 2,439 |
| Net loans and leases to core deposits | 84.4567% | 2,811 |
| Total domestic deposits to total assets | 89.8862% | 360 |
| Equity capital to assets | 9.5908% | 4,141 |
| Core capital (leverage) ratio | 9.1819% | 4,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $518,796,000 | 1,422 |
| Average earning assets | $484,432,500 | 1,411 |
| Average equity | $49,323,500 | 1,682 |
| Average total loans | $374,992,500 | 1,368 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6329% | 448 |
| Cost of funding earning assets | 0.3177% | 4,689 |
| Net interest margin | 5.3152% | 147 |
| Noninterest income to average assets | 0.8608% | 1,270 |
| Noninterest expense to average assets | 3.2647% | 1,375 |
| Loan and lease loss provision to assets | 0.1766% | 1,183 |
| Net operating income to assets | 2.3778% | 161 |
| Return on assets (ROA) | 2.3914% | 165 |
| Pretax return on assets | 2.3914% | 253 |
| Return on Equity (ROE) | 25.7461% | 66 |
| Retained earnings to average equity (ytd only) | 8.8461% | 752 |
| Net charge-offs to loans | 0.0491% | 2,415 |
| Credit loss provision to net charge-offs | 512.3529% | 573 |
| Earnings coverage of net charge-offs (x) | 74.1176% | 843 |
| Efficiency ratio | 54.8425% | 4,339 |
| Assets per employee ($millions) | 4.0852% | 3,799 |
| Cash dividends to net income (ytd only)* | 65.6409% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2439% | 2,204 |
| Loan loss allowance to noncurrent loans | 4,418.6275% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 4,560 |
| Noncurrent loans to loans | 0.0282% | 4,454 |
| Net loans and leases to total assets | 68.9665% | 2,543 |
| Net loans and leases to deposits | 76.6725% | 3,116 |
| Net loans and leases to core deposits | 78.7100% | 3,396 |
| Total domestic deposits to total assets | 89.9496% | 335 |
| Equity capital to assets | 9.4238% | 4,409 |
| Core capital (leverage) ratio | 9.1585% | 4,394 |
| Tier 1 risk-based capital ratio | 11.9275% | 4,404 |
| Total risk-based capital ratio | 13.0755% | 4,333 |
| Memoranda: | ||
| Average total assets | $493,273,600 | 1,446 |
| Average earning assets | $460,154,800 | 1,432 |
| Average equity | $45,816,600 | 1,729 |
| Average total loans | $345,957,000 | 1,436 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6087% | 486 |
| Cost of funding earning assets | 0.3225% | 4,743 |
| Net interest margin | 5.2861% | 170 |
| Noninterest income to average assets | 0.8347% | 1,315 |
| Noninterest expense to average assets | 3.2576% | 1,359 |
| Loan and lease loss provision to assets | 0.2248% | 761 |
| Net operating income to assets | 2.2803% | 232 |
| Return on assets (ROA) | 2.2926% | 235 |
| Pretax return on assets | 2.2926% | 375 |
| Return on Equity (ROE) | 24.7792% | 95 |
| Retained earnings to average equity (ytd only) | 8.5419% | 1,191 |
| Net charge-offs to loans | 0.0328% | 2,415 |
| Credit loss provision to net charge-offs | 977.3810% | 366 |
| Earnings coverage of net charge-offs (x) | 108.9021% | 704 |
| Efficiency ratio | 55.4742% | 4,220 |
| Assets per employee ($millions) | 3.8732% | 4,064 |
| Cash dividends to net income (ytd only)* | 65.5279% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 2,397 |
| Loan loss allowance to noncurrent loans | 12,622.2222% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 4,731 |
| Noncurrent loans to loans | 0.0097% | 4,641 |
| Net loans and leases to total assets | 73.5812% | 1,904 |
| Net loans and leases to deposits | 82.0023% | 2,681 |
| Net loans and leases to core deposits | 84.4677% | 3,049 |
| Total domestic deposits to total assets | 89.7307% | 362 |
| Equity capital to assets | 9.5442% | 4,422 |
| Core capital (leverage) ratio | 9.2450% | 4,434 |
| Tier 1 risk-based capital ratio | 11.1515% | 4,842 |
| Total risk-based capital ratio | 12.2647% | 4,793 |
| Memoranda: | ||
| Average total assets | $486,886,000 | 1,466 |
| Average earning assets | $453,905,500 | 1,457 |
| Average equity | $45,047,500 | 1,758 |
| Average total loans | $341,865,750 | 1,465 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4506% | 618 |
| Cost of funding earning assets | 0.3183% | 4,774 |
| Net interest margin | 5.1323% | 225 |
| Noninterest income to average assets | 0.8653% | 1,166 |
| Noninterest expense to average assets | 3.3243% | 1,238 |
| Loan and lease loss provision to assets | 0.1658% | 1,098 |
| Net operating income to assets | 2.1594% | 292 |
| Return on assets (ROA) | 2.1731% | 293 |
| Pretax return on assets | 2.1731% | 473 |
| Return on Equity (ROE) | 23.7459% | 124 |
| Retained earnings to average equity (ytd only) | 8.0557% | 1,368 |
| Net charge-offs to loans | 0.0350% | 2,166 |
| Credit loss provision to net charge-offs | 689.6552% | 470 |
| Earnings coverage of net charge-offs (x) | 96.7414% | 717 |
| Efficiency ratio | 57.8816% | 4,030 |
| Assets per employee ($millions) | 3.7064% | 4,234 |
| Cash dividends to net income (ytd only)* | 66.0755% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 2,582 |
| Loan loss allowance to noncurrent loans | 1,460.9155% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0589% | 4,461 |
| Noncurrent loans to loans | 0.0814% | 4,313 |
| Net loans and leases to total assets | 71.5654% | 2,270 |
| Net loans and leases to deposits | 80.2867% | 2,919 |
| Net loans and leases to core deposits | 82.8791% | 3,207 |
| Total domestic deposits to total assets | 89.1373% | 612 |
| Equity capital to assets | 9.6436% | 4,278 |
| Core capital (leverage) ratio | 9.2117% | 4,447 |
| Tier 1 risk-based capital ratio | 11.9218% | 4,468 |
| Total risk-based capital ratio | 13.0378% | 4,425 |
| Memoranda: | ||
| Average total assets | $482,633,000 | 1,480 |
| Average earning assets | $449,898,000 | 1,470 |
| Average equity | $44,167,670 | 1,784 |
| Average total loans | $331,758,000 | 1,505 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2868% | 778 |
| Cost of funding earning assets | 0.3099% | 4,818 |
| Net interest margin | 4.9769% | 290 |
| Noninterest income to average assets | 0.8165% | 1,245 |
| Noninterest expense to average assets | 3.2437% | 1,397 |
| Loan and lease loss provision to assets | 0.1242% | 1,411 |
| Net operating income to assets | 2.0901% | 332 |
| Return on assets (ROA) | 2.0951% | 341 |
| Pretax return on assets | 2.0951% | 532 |
| Return on Equity (ROE) | 23.5248% | 132 |
| Retained earnings to average equity (ytd only) | 6.3787% | 2,284 |
| Net charge-offs to loans | 0.0198% | 2,059 |
| Credit loss provision to net charge-offs | 937.5000% | 392 |
| Earnings coverage of net charge-offs (x) | 167.1250% | 459 |
| Efficiency ratio | 58.4282% | 4,017 |
| Assets per employee ($millions) | 3.8022% | 4,189 |
| Cash dividends to net income (ytd only)* | 72.8854% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2052% | 2,546 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 66.9046% | 2,914 |
| Net loans and leases to deposits | 74.0499% | 3,449 |
| Net loans and leases to core deposits | 76.2074% | 3,647 |
| Total domestic deposits to total assets | 90.3508% | 334 |
| Equity capital to assets | 9.0435% | 4,648 |
| Core capital (leverage) ratio | 9.0210% | 4,640 |
| Tier 1 risk-based capital ratio | 11.9611% | 4,480 |
| Total risk-based capital ratio | 13.0533% | 4,468 |
| Memoranda: | ||
| Average total assets | $483,033,500 | 1,483 |
| Average earning assets | $450,484,500 | 1,474 |
| Average equity | $43,018,500 | 1,818 |
| Average total loans | $323,150,000 | 1,555 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1402% | 783 |
| Cost of funding earning assets | 0.2616% | 4,750 |
| Net interest margin | 4.8786% | 333 |
| Noninterest income to average assets | 1.0741% | 811 |
| Noninterest expense to average assets | 3.2232% | 1,497 |
| Loan and lease loss provision to assets | 0.0921% | 2,310 |
| Net operating income to assets | 2.3066% | 216 |
| Return on assets (ROA) | 2.3057% | 206 |
| Pretax return on assets | 2.3057% | 293 |
| Return on Equity (ROE) | 26.4492% | 67 |
| Retained earnings to average equity (ytd only) | 11.0615% | 428 |
| Net charge-offs to loans | 0.1161% | 1,589 |
| Credit loss provision to net charge-offs | 114.9425% | 2,256 |
| Earnings coverage of net charge-offs (x) | 29.9368% | 1,605 |
| Efficiency ratio | 56.8702% | 4,300 |
| Assets per employee ($millions) | 3.8655% | 4,083 |
| Cash dividends to net income (ytd only)* | 58.1786% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 2,612 |
| Loan loss allowance to noncurrent loans | 4,050.0000% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 4,784 |
| Noncurrent loans to loans | 0.0294% | 4,637 |
| Net loans and leases to total assets | 65.2921% | 3,224 |
| Net loans and leases to deposits | 72.1625% | 3,659 |
| Net loans and leases to core deposits | 74.1501% | 3,842 |
| Total domestic deposits to total assets | 90.4793% | 330 |
| Equity capital to assets | 8.7684% | 4,753 |
| Core capital (leverage) ratio | 8.9189% | 4,729 |
| Tier 1 risk-based capital ratio | 12.0816% | 4,373 |
| Total risk-based capital ratio | 13.1661% | 4,369 |
| Memoranda: | ||
| Average total assets | $434,315,200 | 1,581 |
| Average earning assets | $404,867,400 | 1,569 |
| Average equity | $37,861,200 | 1,947 |
| Average total loans | $299,794,400 | 1,599 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0632% | 817 |
| Cost of funding earning assets | 0.2483% | 4,793 |
| Net interest margin | 4.8149% | 368 |
| Noninterest income to average assets | 1.3456% | 522 |
| Noninterest expense to average assets | 3.0880% | 1,790 |
| Loan and lease loss provision to assets | 0.1264% | 1,593 |
| Net operating income to assets | 2.6208% | 127 |
| Return on assets (ROA) | 2.6196% | 127 |
| Pretax return on assets | 2.6196% | 187 |
| Return on Equity (ROE) | 30.0999% | 37 |
| Retained earnings to average equity (ytd only) | 15.9265% | 138 |
| Net charge-offs to loans | 0.1139% | 1,361 |
| Credit loss provision to net charge-offs | 158.7302% | 1,634 |
| Earnings coverage of net charge-offs (x) | 34.5121% | 1,476 |
| Efficiency ratio | 52.6390% | 4,741 |
| Assets per employee ($millions) | 3.8533% | 4,104 |
| Cash dividends to net income (ytd only)* | 47.0879% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1859% | 2,706 |
| Loan loss allowance to noncurrent loans | 1,189.9390% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.0703% | 4,626 |
| Noncurrent loans to loans | 0.0997% | 4,441 |
| Net loans and leases to total assets | 69.7518% | 2,686 |
| Net loans and leases to deposits | 77.3218% | 3,296 |
| Net loans and leases to core deposits | 79.6975% | 3,520 |
| Total domestic deposits to total assets | 90.2097% | 434 |
| Equity capital to assets | 9.0241% | 4,524 |
| Core capital (leverage) ratio | 9.1513% | 4,563 |
| Tier 1 risk-based capital ratio | 12.0369% | 4,483 |
| Total risk-based capital ratio | 13.1573% | 4,429 |
| Memoranda: | ||
| Average total assets | $422,096,500 | 1,622 |
| Average earning assets | $393,573,750 | 1,620 |
| Average equity | $36,734,500 | 1,998 |
| Average total loans | $294,920,000 | 1,624 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9981% | 827 |
| Cost of funding earning assets | 0.2419% | 4,788 |
| Net interest margin | 4.7561% | 385 |
| Noninterest income to average assets | 0.8557% | 1,302 |
| Noninterest expense to average assets | 3.1028% | 1,778 |
| Loan and lease loss provision to assets | 0.1473% | 1,293 |
| Net operating income to assets | 2.0458% | 342 |
| Return on assets (ROA) | 2.0458% | 342 |
| Pretax return on assets | 2.0458% | 549 |
| Return on Equity (ROE) | 23.8425% | 113 |
| Retained earnings to average equity (ytd only) | 9.9330% | 947 |
| Net charge-offs to loans | 0.1425% | 1,064 |
| Credit loss provision to net charge-offs | 148.5149% | 1,587 |
| Earnings coverage of net charge-offs (x) | 22.1139% | 1,754 |
| Efficiency ratio | 58.4314% | 4,165 |
| Assets per employee ($millions) | 3.8597% | 4,122 |
| Cash dividends to net income (ytd only)* | 58.3393% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2894% | 2,217 |
| Loan loss allowance to noncurrent loans | 2,320.4819% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0406% | 4,825 |
| Noncurrent loans to loans | 0.0556% | 4,665 |
| Net loans and leases to total assets | 72.0802% | 2,260 |
| Net loans and leases to deposits | 79.3613% | 3,017 |
| Net loans and leases to core deposits | 81.9849% | 3,240 |
| Total domestic deposits to total assets | 90.8253% | 295 |
| Equity capital to assets | 8.6548% | 4,838 |
| Core capital (leverage) ratio | 9.1494% | 4,521 |
| Tier 1 risk-based capital ratio | 11.6886% | 4,697 |
| Total risk-based capital ratio | 12.8996% | 4,592 |
| Memoranda: | ||
| Average total assets | $407,379,000 | 1,694 |
| Average earning assets | $380,307,670 | 1,687 |
| Average equity | $34,954,330 | 2,090 |
| Average total loans | $283,520,000 | 1,672 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8277% | 1,013 |
| Cost of funding earning assets | 0.2379% | 4,777 |
| Net interest margin | 4.5898% | 512 |
| Noninterest income to average assets | 0.8728% | 1,224 |
| Noninterest expense to average assets | 3.1025% | 1,818 |
| Loan and lease loss provision to assets | 0.1476% | 1,237 |
| Net operating income to assets | 1.9129% | 441 |
| Return on assets (ROA) | 1.9129% | 441 |
| Pretax return on assets | 1.9129% | 698 |
| Return on Equity (ROE) | 22.3918% | 152 |
| Retained earnings to average equity (ytd only) | 8.3854% | 1,694 |
| Net charge-offs to loans | 0.2624% | 587 |
| Credit loss provision to net charge-offs | 82.8729% | 1,723 |
| Earnings coverage of net charge-offs (x) | 11.5691% | 1,841 |
| Efficiency ratio | 59.9390% | 4,076 |
| Assets per employee ($millions) | 3.7256% | 4,383 |
| Cash dividends to net income (ytd only)* | 62.5514% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 2,023 |
| Loan loss allowance to noncurrent loans | 1,790.8654% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 4,841 |
| Noncurrent loans to loans | 0.0753% | 4,647 |
| Net loans and leases to total assets | 67.0685% | 2,885 |
| Net loans and leases to deposits | 73.6770% | 3,446 |
| Net loans and leases to core deposits | 76.9910% | 3,577 |
| Total domestic deposits to total assets | 91.0304% | 309 |
| Equity capital to assets | 8.5140% | 4,970 |
| Core capital (leverage) ratio | 8.9628% | 4,718 |
| Tier 1 risk-based capital ratio | 11.8715% | 4,628 |
| Total risk-based capital ratio | 13.0943% | 4,539 |
| Memoranda: | ||
| Average total assets | $406,506,000 | 1,710 |
| Average earning assets | $379,971,500 | 1,698 |
| Average equity | $34,727,000 | 2,114 |
| Average total loans | $275,905,000 | 1,713 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0259% | 615 |
| Cost of funding earning assets | 0.1880% | 5,042 |
| Net interest margin | 4.8379% | 322 |
| Noninterest income to average assets | 0.9050% | 1,251 |
| Noninterest expense to average assets | 3.3227% | 1,328 |
| Loan and lease loss provision to assets | 0.1326% | 1,734 |
| Net operating income to assets | 1.9463% | 315 |
| Return on assets (ROA) | 1.9463% | 320 |
| Pretax return on assets | 1.9463% | 549 |
| Return on Equity (ROE) | 21.6181% | 137 |
| Retained earnings to average equity (ytd only) | 5.0450% | 2,096 |
| Net charge-offs to loans | 0.0396% | 3,007 |
| Credit loss provision to net charge-offs | 459.4595% | 686 |
| Earnings coverage of net charge-offs (x) | 72.0360% | 834 |
| Efficiency ratio | 61.3496% | 4,043 |
| Assets per employee ($millions) | 3.6991% | 4,434 |
| Cash dividends to net income (ytd only)* | 76.6631% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3619% | 1,923 |
| Loan loss allowance to noncurrent loans | 1,455.4264% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0634% | 4,808 |
| Noncurrent loans to loans | 0.0936% | 4,573 |
| Net loans and leases to total assets | 66.8399% | 2,990 |
| Net loans and leases to deposits | 73.6309% | 3,548 |
| Net loans and leases to core deposits | 76.9936% | 3,667 |
| Total domestic deposits to total assets | 90.7770% | 305 |
| Equity capital to assets | 8.5921% | 5,049 |
| Core capital (leverage) ratio | 8.9812% | 4,669 |
| Tier 1 risk-based capital ratio | 11.7172% | 4,707 |
| Total risk-based capital ratio | 12.9558% | 4,599 |
| Memoranda: | ||
| Average total assets | $384,626,800 | 1,773 |
| Average earning assets | $357,487,800 | 1,768 |
| Average equity | $34,628,400 | 2,103 |
| Average total loans | $280,132,600 | 1,657 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0680% | 534 |
| Cost of funding earning assets | 0.1726% | 5,179 |
| Net interest margin | 4.8954% | 277 |
| Noninterest income to average assets | 0.9177% | 1,222 |
| Noninterest expense to average assets | 3.3282% | 1,284 |
| Loan and lease loss provision to assets | 0.1618% | 1,266 |
| Net operating income to assets | 1.9771% | 331 |
| Return on assets (ROA) | 1.9771% | 335 |
| Pretax return on assets | 1.9771% | 572 |
| Return on Equity (ROE) | 21.6947% | 150 |
| Retained earnings to average equity (ytd only) | 7.3448% | 1,520 |
| Net charge-offs to loans | 0.0308% | 2,812 |
| Credit loss provision to net charge-offs | 707.6923% | 479 |
| Earnings coverage of net charge-offs (x) | 93.5587% | 724 |
| Efficiency ratio | 60.7154% | 4,087 |
| Assets per employee ($millions) | 3.4694% | 4,770 |
| Cash dividends to net income (ytd only)* | 66.1448% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2769% | 2,481 |
| Loan loss allowance to noncurrent loans | 645.6110% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.1509% | 4,513 |
| Noncurrent loans to loans | 0.1978% | 4,289 |
| Net loans and leases to total assets | 75.3053% | 1,706 |
| Net loans and leases to deposits | 83.6794% | 2,597 |
| Net loans and leases to core deposits | 87.7660% | 2,796 |
| Total domestic deposits to total assets | 89.9927% | 477 |
| Equity capital to assets | 9.3444% | 4,598 |
| Core capital (leverage) ratio | 9.3175% | 4,387 |
| Tier 1 risk-based capital ratio | 11.7546% | 4,805 |
| Total risk-based capital ratio | 12.9907% | 4,684 |
| Memoranda: | ||
| Average total assets | $379,059,500 | 1,807 |
| Average earning assets | $352,264,750 | 1,802 |
| Average equity | $34,545,250 | 2,122 |
| Average total loans | $281,234,750 | 1,659 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9570% | 603 |
| Cost of funding earning assets | 0.1541% | 5,316 |
| Net interest margin | 4.8029% | 322 |
| Noninterest income to average assets | 0.9458% | 1,140 |
| Noninterest expense to average assets | 3.3540% | 1,268 |
| Loan and lease loss provision to assets | 0.1644% | 1,210 |
| Net operating income to assets | 1.8915% | 381 |
| Return on assets (ROA) | 1.8915% | 390 |
| Pretax return on assets | 1.8915% | 672 |
| Return on Equity (ROE) | 20.9362% | 179 |
| Retained earnings to average equity (ytd only) | 6.6872% | 1,745 |
| Net charge-offs to loans | -0.0014% | 4,156 |
| Credit loss provision to net charge-offs | -15,500.0000% | 5,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8296% | 4,020 |
| Assets per employee ($millions) | 3.5274% | 4,671 |
| Cash dividends to net income (ytd only)* | 68.0595% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2584% | 2,635 |
| Loan loss allowance to noncurrent loans | 4,643.0380% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 5,194 |
| Noncurrent loans to loans | 0.0271% | 5,053 |
| Net loans and leases to total assets | 75.5498% | 1,602 |
| Net loans and leases to deposits | 84.4336% | 2,414 |
| Net loans and leases to core deposits | 88.2080% | 2,682 |
| Total domestic deposits to total assets | 89.4784% | 731 |
| Equity capital to assets | 9.2404% | 4,681 |
| Core capital (leverage) ratio | 9.2914% | 4,376 |
| Tier 1 risk-based capital ratio | 11.5233% | 4,941 |
| Total risk-based capital ratio | 12.7345% | 4,858 |
| Memoranda: | ||
| Average total assets | $377,046,330 | 1,817 |
| Average earning assets | $350,457,330 | 1,814 |
| Average equity | $34,065,330 | 2,141 |
| Average total loans | $277,062,670 | 1,681 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8483% | 685 |
| Cost of funding earning assets | 0.1412% | 5,432 |
| Net interest margin | 4.7071% | 373 |
| Noninterest income to average assets | 0.9395% | 1,140 |
| Noninterest expense to average assets | 3.3357% | 1,320 |
| Loan and lease loss provision to assets | 0.1706% | 1,034 |
| Net operating income to assets | 1.8054% | 442 |
| Return on assets (ROA) | 1.8054% | 453 |
| Pretax return on assets | 1.8054% | 788 |
| Return on Equity (ROE) | 20.2167% | 222 |
| Retained earnings to average equity (ytd only) | 7.1887% | 1,785 |
| Net charge-offs to loans | 0.0178% | 2,432 |
| Credit loss provision to net charge-offs | 1,333.3333% | 244 |
| Earnings coverage of net charge-offs (x) | 154.4167% | 352 |
| Efficiency ratio | 62.6380% | 4,049 |
| Assets per employee ($millions) | 3.5417% | 4,733 |
| Cash dividends to net income (ytd only)* | 64.4418% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2563% | 2,778 |
| Loan loss allowance to noncurrent loans | 627.5986% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.1500% | 4,654 |
| Noncurrent loans to loans | 0.2002% | 4,402 |
| Net loans and leases to total assets | 74.0145% | 1,742 |
| Net loans and leases to deposits | 81.9327% | 2,520 |
| Net loans and leases to core deposits | 85.3631% | 2,775 |
| Total domestic deposits to total assets | 90.3358% | 531 |
| Equity capital to assets | 9.1178% | 4,694 |
| Core capital (leverage) ratio | 9.2230% | 4,447 |
| Tier 1 risk-based capital ratio | 11.2994% | 5,137 |
| Total risk-based capital ratio | 12.4513% | 5,098 |
| Memoranda: | ||
| Average total assets | $375,090,500 | 1,834 |
| Average earning assets | $348,409,500 | 1,836 |
| Average equity | $33,497,000 | 2,174 |
| Average total loans | $269,853,500 | 1,730 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7992% | 888 |
| Cost of funding earning assets | 0.1595% | 5,358 |
| Net interest margin | 4.6396% | 471 |
| Noninterest income to average assets | 0.7711% | 1,876 |
| Noninterest expense to average assets | 3.1914% | 1,810 |
| Loan and lease loss provision to assets | 0.1776% | 1,358 |
| Net operating income to assets | 1.7130% | 527 |
| Return on assets (ROA) | 1.7370% | 528 |
| Pretax return on assets | 1.7370% | 920 |
| Return on Equity (ROE) | 19.5812% | 227 |
| Retained earnings to average equity (ytd only) | 5.6020% | 1,944 |
| Net charge-offs to loans | 0.0770% | 2,591 |
| Credit loss provision to net charge-offs | 321.9512% | 928 |
| Earnings coverage of net charge-offs (x) | 34.2780% | 1,321 |
| Efficiency ratio | 62.5655% | 4,167 |
| Assets per employee ($millions) | 3.5689% | 4,655 |
| Cash dividends to net income (ytd only)* | 71.3910% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2856% | 2,620 |
| Loan loss allowance to noncurrent loans | 2,058.2822% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 5,182 |
| Noncurrent loans to loans | 0.0625% | 4,989 |
| Net loans and leases to total assets | 68.0952% | 2,752 |
| Net loans and leases to deposits | 75.1227% | 3,397 |
| Net loans and leases to core deposits | 79.3748% | 3,449 |
| Total domestic deposits to total assets | 90.6454% | 405 |
| Equity capital to assets | 8.7673% | 5,049 |
| Core capital (leverage) ratio | 9.1108% | 4,602 |
| Tier 1 risk-based capital ratio | 11.6774% | 4,939 |
| Total risk-based capital ratio | 12.8347% | 4,905 |
| Memoranda: | ||
| Average total assets | $371,681,200 | 1,805 |
| Average earning assets | $345,351,600 | 1,799 |
| Average equity | $32,970,400 | 2,181 |
| Average total loans | $266,356,400 | 1,695 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8179% | 865 |
| Cost of funding earning assets | 0.1602% | 5,414 |
| Net interest margin | 4.6578% | 462 |
| Noninterest income to average assets | 0.7596% | 1,933 |
| Noninterest expense to average assets | 3.1856% | 1,816 |
| Loan and lease loss provision to assets | 0.2162% | 966 |
| Net operating income to assets | 1.6849% | 611 |
| Return on assets (ROA) | 1.7170% | 607 |
| Pretax return on assets | 1.7170% | 1,068 |
| Return on Equity (ROE) | 19.2981% | 275 |
| Retained earnings to average equity (ytd only) | 5.2245% | 2,680 |
| Net charge-offs to loans | 0.0857% | 2,107 |
| Credit loss provision to net charge-offs | 348.8372% | 931 |
| Earnings coverage of net charge-offs (x) | 30.6741% | 1,465 |
| Efficiency ratio | 62.3716% | 4,164 |
| Assets per employee ($millions) | 3.5101% | 4,767 |
| Cash dividends to net income (ytd only)* | 72.9277% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 3,232 |
| Loan loss allowance to noncurrent loans | 4,107.4074% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 5,426 |
| Noncurrent loans to loans | 0.0292% | 5,264 |
| Net loans and leases to total assets | 74.2819% | 1,818 |
| Net loans and leases to deposits | 83.3533% | 2,564 |
| Net loans and leases to core deposits | 87.0005% | 2,845 |
| Total domestic deposits to total assets | 89.1169% | 842 |
| Equity capital to assets | 9.3933% | 4,767 |
| Core capital (leverage) ratio | 8.9758% | 4,855 |
| Tier 1 risk-based capital ratio | 11.2798% | 5,211 |
| Total risk-based capital ratio | 12.4070% | 5,193 |
| Memoranda: | ||
| Average total assets | $370,025,500 | 1,812 |
| Average earning assets | $343,762,500 | 1,809 |
| Average equity | $32,921,250 | 2,198 |
| Average total loans | $267,705,000 | 1,689 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7085% | 1,033 |
| Cost of funding earning assets | 0.1511% | 5,541 |
| Net interest margin | 4.5574% | 542 |
| Noninterest income to average assets | 0.7552% | 1,906 |
| Noninterest expense to average assets | 3.2015% | 1,806 |
| Loan and lease loss provision to assets | 0.1943% | 1,118 |
| Net operating income to assets | 1.6086% | 707 |
| Return on assets (ROA) | 1.6205% | 734 |
| Pretax return on assets | 1.6205% | 1,306 |
| Return on Equity (ROE) | 18.5566% | 321 |
| Retained earnings to average equity (ytd only) | 3.8263% | 3,453 |
| Net charge-offs to loans | 0.0703% | 2,185 |
| Credit loss provision to net charge-offs | 387.0968% | 792 |
| Earnings coverage of net charge-offs (x) | 35.9140% | 1,239 |
| Efficiency ratio | 63.6825% | 4,075 |
| Assets per employee ($millions) | 3.4792% | 4,782 |
| Cash dividends to net income (ytd only)* | 79.3804% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1416% | 3,707 |
| Loan loss allowance to noncurrent loans | 1,155.8394% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.0729% | 5,252 |
| Noncurrent loans to loans | 0.0988% | 5,059 |
| Net loans and leases to total assets | 72.9865% | 2,018 |
| Net loans and leases to deposits | 82.1240% | 2,698 |
| Net loans and leases to core deposits | 88.8000% | 2,658 |
| Total domestic deposits to total assets | 88.8735% | 975 |
| Equity capital to assets | 8.7978% | 5,406 |
| Core capital (leverage) ratio | 8.5059% | 5,362 |
| Tier 1 risk-based capital ratio | 10.7155% | 5,571 |
| Total risk-based capital ratio | 11.7855% | 5,568 |
| Memoranda: | ||
| Average total assets | $370,513,670 | 1,811 |
| Average earning assets | $345,459,670 | 1,798 |
| Average equity | $32,355,000 | 2,228 |
| Average total loans | $264,573,000 | 1,704 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6521% | 1,143 |
| Cost of funding earning assets | 0.1316% | 5,743 |
| Net interest margin | 4.5206% | 582 |
| Noninterest income to average assets | 0.7513% | 1,815 |
| Noninterest expense to average assets | 3.2912% | 1,625 |
| Loan and lease loss provision to assets | 0.1957% | 1,009 |
| Net operating income to assets | 1.4863% | 882 |
| Return on assets (ROA) | 1.4863% | 922 |
| Pretax return on assets | 1.4863% | 1,637 |
| Return on Equity (ROE) | 17.0856% | 429 |
| Retained earnings to average equity (ytd only) | 3.4371% | 3,788 |
| Net charge-offs to loans | 0.0852% | 1,648 |
| Credit loss provision to net charge-offs | 327.2727% | 806 |
| Earnings coverage of net charge-offs (x) | 28.1273% | 1,224 |
| Efficiency ratio | 65.8286% | 3,834 |
| Assets per employee ($millions) | 3.2352% | 5,217 |
| Cash dividends to net income (ytd only)* | 79.8830% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1555% | 3,731 |
| Loan loss allowance to noncurrent loans | 3,118.5567% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 5,532 |
| Noncurrent loans to loans | 0.0371% | 5,346 |
| Net loans and leases to total assets | 70.7857% | 2,223 |
| Net loans and leases to deposits | 78.1119% | 2,999 |
| Net loans and leases to core deposits | 80.2957% | 3,294 |
| Total domestic deposits to total assets | 90.6209% | 390 |
| Equity capital to assets | 8.8805% | 5,277 |
| Core capital (leverage) ratio | 8.6465% | 5,241 |
| Tier 1 risk-based capital ratio | 10.8756% | 5,568 |
| Total risk-based capital ratio | 11.9245% | 5,588 |
| Memoranda: | ||
| Average total assets | $367,894,000 | 1,825 |
| Average earning assets | $343,585,000 | 1,814 |
| Average equity | $32,003,500 | 2,246 |
| Average total loans | $258,151,500 | 1,744 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6967% | 1,119 |
| Cost of funding earning assets | 0.1388% | 5,763 |
| Net interest margin | 4.5579% | 597 |
| Noninterest income to average assets | 0.7537% | 1,964 |
| Noninterest expense to average assets | 3.2553% | 1,820 |
| Loan and lease loss provision to assets | 0.1013% | 2,293 |
| Net operating income to assets | 1.6623% | 617 |
| Return on assets (ROA) | 1.6623% | 635 |
| Pretax return on assets | 1.6623% | 1,076 |
| Return on Equity (ROE) | 19.9893% | 256 |
| Retained earnings to average equity (ytd only) | 5.8306% | 1,879 |
| Net charge-offs to loans | 0.0602% | 3,016 |
| Credit loss provision to net charge-offs | 240.7895% | 1,182 |
| Earnings coverage of net charge-offs (x) | 41.9013% | 1,133 |
| Efficiency ratio | 64.4634% | 4,175 |
| Assets per employee ($millions) | 3.0096% | 5,514 |
| Cash dividends to net income (ytd only)* | 70.8313% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 3,807 |
| Loan loss allowance to noncurrent loans | 17,058.8235% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 5,702 |
| Noncurrent loans to loans | 0.0067% | 5,517 |
| Net loans and leases to total assets | 67.9670% | 2,705 |
| Net loans and leases to deposits | 74.7533% | 3,403 |
| Net loans and leases to core deposits | 76.8926% | 3,673 |
| Total domestic deposits to total assets | 90.9217% | 300 |
| Equity capital to assets | 8.5474% | 5,524 |
| Core capital (leverage) ratio | 8.4642% | 5,462 |
| Tier 1 risk-based capital ratio | 10.2983% | 5,865 |
| Total risk-based capital ratio | 11.2552% | 5,901 |
| Memoranda: | ||
| Average total assets | $361,137,000 | 1,814 |
| Average earning assets | $337,940,200 | 1,796 |
| Average equity | $30,031,000 | 2,317 |
| Average total loans | $252,476,800 | 1,713 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7180% | 1,065 |
| Cost of funding earning assets | 0.1402% | 5,846 |
| Net interest margin | 4.5778% | 568 |
| Noninterest income to average assets | 0.7482% | 2,032 |
| Noninterest expense to average assets | 3.2701% | 1,781 |
| Loan and lease loss provision to assets | 0.1211% | 1,879 |
| Net operating income to assets | 1.6388% | 705 |
| Return on assets (ROA) | 1.6388% | 731 |
| Pretax return on assets | 1.6388% | 1,271 |
| Return on Equity (ROE) | 19.8498% | 279 |
| Retained earnings to average equity (ytd only) | 5.8186% | 2,356 |
| Net charge-offs to loans | 0.0487% | 2,918 |
| Credit loss provision to net charge-offs | 354.3478% | 830 |
| Earnings coverage of net charge-offs (x) | 51.4906% | 1,018 |
| Efficiency ratio | 64.6060% | 4,140 |
| Assets per employee ($millions) | 2.9965% | 5,548 |
| Cash dividends to net income (ytd only)* | 70.6869% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 4,112 |
| Loan loss allowance to noncurrent loans | 1,513.4715% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0800% | 5,436 |
| Noncurrent loans to loans | 0.0740% | 5,331 |
| Net loans and leases to total assets | 71.1066% | 2,216 |
| Net loans and leases to deposits | 78.3816% | 3,061 |
| Net loans and leases to core deposits | 80.6784% | 3,374 |
| Total domestic deposits to total assets | 90.7185% | 335 |
| Equity capital to assets | 8.6836% | 5,588 |
| Core capital (leverage) ratio | 8.4028% | 5,626 |
| Tier 1 risk-based capital ratio | 10.4327% | 5,903 |
| Total risk-based capital ratio | 11.4239% | 5,934 |
| Memoranda: | ||
| Average total assets | $358,876,000 | 1,839 |
| Average earning assets | $335,672,500 | 1,824 |
| Average equity | $29,628,500 | 2,357 |
| Average total loans | $251,970,750 | 1,722 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6340% | 1,204 |
| Cost of funding earning assets | 0.1369% | 5,940 |
| Net interest margin | 4.4971% | 641 |
| Noninterest income to average assets | 0.7242% | 2,114 |
| Noninterest expense to average assets | 3.2759% | 1,773 |
| Loan and lease loss provision to assets | 0.1141% | 1,934 |
| Net operating income to assets | 1.5401% | 843 |
| Return on assets (ROA) | 1.5401% | 881 |
| Pretax return on assets | 1.5401% | 1,527 |
| Return on Equity (ROE) | 18.9868% | 336 |
| Retained earnings to average equity (ytd only) | 5.0190% | 2,851 |
| Net charge-offs to loans | 0.0506% | 2,701 |
| Credit loss provision to net charge-offs | 323.8095% | 881 |
| Earnings coverage of net charge-offs (x) | 46.9524% | 1,003 |
| Efficiency ratio | 66.0277% | 4,001 |
| Assets per employee ($millions) | 3.1250% | 5,438 |
| Cash dividends to net income (ytd only)* | 73.5657% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0853% | 4,405 |
| Loan loss allowance to noncurrent loans | 903.8339% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.1757% | 5,167 |
| Noncurrent loans to loans | 0.1201% | 5,281 |
| Net loans and leases to total assets | 71.1263% | 2,139 |
| Net loans and leases to deposits | 80.4410% | 2,729 |
| Net loans and leases to core deposits | 84.0638% | 2,974 |
| Total domestic deposits to total assets | 88.4204% | 1,434 |
| Equity capital to assets | 8.1109% | 5,930 |
| Core capital (leverage) ratio | 8.1785% | 5,805 |
| Tier 1 risk-based capital ratio | 10.0017% | 6,089 |
| Total risk-based capital ratio | 10.9717% | 6,127 |
| Memoranda: | ||
| Average total assets | $357,641,000 | 1,856 |
| Average earning assets | $334,483,000 | 1,846 |
| Average equity | $29,009,670 | 2,417 |
| Average total loans | $249,047,670 | 1,746 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5943% | 1,238 |
| Cost of funding earning assets | 0.1323% | 6,044 |
| Net interest margin | 4.4619% | 648 |
| Noninterest income to average assets | 0.7128% | 2,111 |
| Noninterest expense to average assets | 3.1789% | 2,034 |
| Loan and lease loss provision to assets | 0.0901% | 2,193 |
| Net operating income to assets | 1.6204% | 693 |
| Return on assets (ROA) | 1.6204% | 725 |
| Pretax return on assets | 1.6204% | 1,218 |
| Return on Equity (ROE) | 19.9767% | 266 |
| Retained earnings to average equity (ytd only) | 4.2202% | 3,477 |
| Net charge-offs to loans | 0.0411% | 2,407 |
| Credit loss provision to net charge-offs | 320.0000% | 776 |
| Earnings coverage of net charge-offs (x) | 60.7600% | 733 |
| Efficiency ratio | 64.6016% | 4,379 |
| Assets per employee ($millions) | 2.9846% | 5,688 |
| Cash dividends to net income (ytd only)* | 78.8742% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1168% | 4,429 |
| Loan loss allowance to noncurrent loans | 2,063.1579% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 5,542 |
| Noncurrent loans to loans | 0.0541% | 5,562 |
| Net loans and leases to total assets | 68.9847% | 2,288 |
| Net loans and leases to deposits | 75.7802% | 3,080 |
| Net loans and leases to core deposits | 77.6950% | 3,413 |
| Total domestic deposits to total assets | 91.0326% | 354 |
| Equity capital to assets | 8.2572% | 5,900 |
| Core capital (leverage) ratio | 8.0795% | 5,890 |
| Tier 1 risk-based capital ratio | 10.2347% | 6,103 |
| Total risk-based capital ratio | 11.2238% | 6,129 |
| Memoranda: | ||
| Average total assets | $355,212,000 | 1,871 |
| Average earning assets | $332,502,500 | 1,849 |
| Average equity | $28,813,500 | 2,442 |
| Average total loans | $243,241,000 | 1,786 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7714% | 1,169 |
| Cost of funding earning assets | 0.1637% | 6,018 |
| Net interest margin | 4.6077% | 612 |
| Noninterest income to average assets | 0.8979% | 1,507 |
| Noninterest expense to average assets | 3.3285% | 1,855 |
| Loan and lease loss provision to assets | 0.1710% | 1,519 |
| Net operating income to assets | 1.7020% | 579 |
| Return on assets (ROA) | 1.7363% | 546 |
| Pretax return on assets | 1.7363% | 915 |
| Return on Equity (ROE) | 22.0711% | 172 |
| Retained earnings to average equity (ytd only) | 7.9291% | 1,046 |
| Net charge-offs to loans | 0.0488% | 3,848 |
| Credit loss provision to net charge-offs | 535.7798% | 495 |
| Earnings coverage of net charge-offs (x) | 58.6789% | 805 |
| Efficiency ratio | 63.5739% | 4,654 |
| Assets per employee ($millions) | 3.1424% | 5,514 |
| Cash dividends to net income (ytd only)* | 64.0749% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1159% | 4,466 |
| Loan loss allowance to noncurrent loans | 518.7259% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.2080% | 5,193 |
| Noncurrent loans to loans | 0.2151% | 5,048 |
| Net loans and leases to total assets | 66.4632% | 2,813 |
| Net loans and leases to deposits | 72.8268% | 3,582 |
| Net loans and leases to core deposits | 74.5683% | 3,867 |
| Total domestic deposits to total assets | 91.2619% | 281 |
| Equity capital to assets | 8.0201% | 6,062 |
| Core capital (leverage) ratio | 7.9777% | 6,014 |
| Tier 1 risk-based capital ratio | 10.5400% | 6,083 |
| Total risk-based capital ratio | 11.5469% | 6,124 |
| Memoranda: | ||
| Average total assets | $341,477,400 | 1,903 |
| Average earning assets | $318,942,800 | 1,879 |
| Average equity | $26,863,200 | 2,499 |
| Average total loans | $223,247,800 | 1,878 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7983% | 1,109 |
| Cost of funding earning assets | 0.1740% | 6,043 |
| Net interest margin | 4.6243% | 585 |
| Noninterest income to average assets | 0.9262% | 1,432 |
| Noninterest expense to average assets | 3.3676% | 1,745 |
| Loan and lease loss provision to assets | 0.3494% | 506 |
| Net operating income to assets | 1.5278% | 883 |
| Return on assets (ROA) | 1.5741% | 831 |
| Pretax return on assets | 1.5741% | 1,409 |
| Return on Equity (ROE) | 20.1135% | 280 |
| Retained earnings to average equity (ytd only) | 6.6573% | 2,006 |
| Net charge-offs to loans | 0.0280% | 3,933 |
| Credit loss provision to net charge-offs | 1,921.7391% | 186 |
| Earnings coverage of net charge-offs (x) | 103.2421% | 576 |
| Efficiency ratio | 63.7926% | 4,581 |
| Assets per employee ($millions) | 3.0454% | 5,683 |
| Cash dividends to net income (ytd only)* | 66.9010% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 3,914 |
| Loan loss allowance to noncurrent loans | 2,294.7368% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 6,015 |
| Noncurrent loans to loans | 0.0547% | 5,798 |
| Net loans and leases to total assets | 69.2193% | 2,320 |
| Net loans and leases to deposits | 75.8236% | 3,200 |
| Net loans and leases to core deposits | 77.3343% | 3,604 |
| Total domestic deposits to total assets | 91.2899% | 285 |
| Equity capital to assets | 7.9232% | 6,170 |
| Core capital (leverage) ratio | 7.9333% | 6,115 |
| Tier 1 risk-based capital ratio | 10.0225% | 6,339 |
| Total risk-based capital ratio | 11.1431% | 6,340 |
| Memoranda: | ||
| Average total assets | $337,287,750 | 1,937 |
| Average earning assets | $314,993,750 | 1,910 |
| Average equity | $26,396,250 | 2,539 |
| Average total loans | $218,864,250 | 1,923 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7228% | 1,239 |
| Cost of funding earning assets | 0.1698% | 6,139 |
| Net interest margin | 4.5530% | 635 |
| Noninterest income to average assets | 0.9443% | 1,345 |
| Noninterest expense to average assets | 3.4108% | 1,654 |
| Loan and lease loss provision to assets | 0.3042% | 643 |
| Net operating income to assets | 1.4833% | 902 |
| Return on assets (ROA) | 1.5132% | 888 |
| Pretax return on assets | 1.5132% | 1,497 |
| Return on Equity (ROE) | 19.4190% | 324 |
| Retained earnings to average equity (ytd only) | 6.3244% | 2,140 |
| Net charge-offs to loans | 0.0237% | 3,727 |
| Credit loss provision to net charge-offs | 2,032.0000% | 179 |
| Earnings coverage of net charge-offs (x) | 119.4000% | 488 |
| Efficiency ratio | 65.1883% | 4,487 |
| Assets per employee ($millions) | 3.0595% | 5,671 |
| Cash dividends to net income (ytd only)* | 67.4317% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 4,593 |
| Loan loss allowance to noncurrent loans | 15,864.7059% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 6,252 |
| Noncurrent loans to loans | 0.0073% | 6,074 |
| Net loans and leases to total assets | 66.8146% | 2,617 |
| Net loans and leases to deposits | 77.1039% | 2,912 |
| Net loans and leases to core deposits | 79.0272% | 3,319 |
| Total domestic deposits to total assets | 86.6553% | 2,669 |
| Equity capital to assets | 7.8814% | 6,220 |
| Core capital (leverage) ratio | 7.9901% | 6,105 |
| Tier 1 risk-based capital ratio | 10.5679% | 6,223 |
| Total risk-based capital ratio | 11.6320% | 6,244 |
| Memoranda: | ||
| Average total assets | $333,993,000 | 1,955 |
| Average earning assets | $312,061,330 | 1,928 |
| Average equity | $26,026,000 | 2,560 |
| Average total loans | $210,698,330 | 1,979 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6658% | 1,334 |
| Cost of funding earning assets | 0.1652% | 6,263 |
| Net interest margin | 4.5006% | 656 |
| Noninterest income to average assets | 0.9100% | 1,359 |
| Noninterest expense to average assets | 3.4691% | 1,552 |
| Loan and lease loss provision to assets | 0.2439% | 893 |
| Net operating income to assets | 1.3954% | 993 |
| Return on assets (ROA) | 1.4233% | 988 |
| Pretax return on assets | 1.4233% | 1,667 |
| Return on Equity (ROE) | 18.3744% | 411 |
| Retained earnings to average equity (ytd only) | 5.6862% | 2,699 |
| Net charge-offs to loans | 0.0160% | 3,270 |
| Credit loss provision to net charge-offs | 2,512.5000% | 136 |
| Earnings coverage of net charge-offs (x) | 168.8750% | 294 |
| Efficiency ratio | 67.4822% | 4,277 |
| Assets per employee ($millions) | 2.8931% | 5,984 |
| Cash dividends to net income (ytd only)* | 69.0537% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1668% | 4,791 |
| Loan loss allowance to noncurrent loans | 1,756.9343% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 6,164 |
| Noncurrent loans to loans | 0.0664% | 5,943 |
| Net loans and leases to total assets | 62.3673% | 3,174 |
| Net loans and leases to deposits | 68.3894% | 3,820 |
| Net loans and leases to core deposits | 70.3717% | 4,051 |
| Total domestic deposits to total assets | 91.1943% | 484 |
| Equity capital to assets | 8.0559% | 6,018 |
| Core capital (leverage) ratio | 8.0081% | 6,112 |
| Tier 1 risk-based capital ratio | 11.3400% | 6,000 |
| Total risk-based capital ratio | 12.3776% | 6,058 |
| Memoranda: | ||
| Average total assets | $329,655,000 | 1,983 |
| Average earning assets | $307,514,000 | 1,965 |
| Average equity | $25,535,500 | 2,593 |
| Average total loans | $200,222,500 | 2,050 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7585% | 1,417 |
| Cost of funding earning assets | 0.1777% | 6,405 |
| Net interest margin | 4.5807% | 637 |
| Noninterest income to average assets | 0.8665% | 1,797 |
| Noninterest expense to average assets | 3.3733% | 1,940 |
| Loan and lease loss provision to assets | 0.1149% | 2,893 |
| Net operating income to assets | 1.6521% | 631 |
| Return on assets (ROA) | 1.6984% | 594 |
| Pretax return on assets | 1.6984% | 960 |
| Return on Equity (ROE) | 21.0121% | 236 |
| Retained earnings to average equity (ytd only) | 5.0620% | 2,549 |
| Net charge-offs to loans | 0.0562% | 4,443 |
| Credit loss provision to net charge-offs | 354.2857% | 643 |
| Earnings coverage of net charge-offs (x) | 54.4952% | 746 |
| Efficiency ratio | 65.1268% | 4,707 |
| Assets per employee ($millions) | 2.9415% | 5,920 |
| Cash dividends to net income (ytd only)* | 75.9091% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1404% | 4,949 |
| Loan loss allowance to noncurrent loans | 6,511.7647% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 6,390 |
| Noncurrent loans to loans | 0.0175% | 6,214 |
| Net loans and leases to total assets | 57.7433% | 4,079 |
| Net loans and leases to deposits | 62.9045% | 4,623 |
| Net loans and leases to core deposits | 64.8165% | 4,794 |
| Total domestic deposits to total assets | 91.7953% | 334 |
| Equity capital to assets | 7.4414% | 6,310 |
| Core capital (leverage) ratio | 7.9055% | 6,199 |
| Tier 1 risk-based capital ratio | 11.5541% | 5,879 |
| Total risk-based capital ratio | 12.5408% | 5,969 |
| Memoranda: | ||
| Average total assets | $323,834,400 | 1,985 |
| Average earning assets | $302,135,200 | 1,962 |
| Average equity | $26,175,400 | 2,527 |
| Average total loans | $186,948,400 | 2,136 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7945% | 1,356 |
| Cost of funding earning assets | 0.1822% | 6,489 |
| Net interest margin | 4.6123% | 608 |
| Noninterest income to average assets | 0.8343% | 1,995 |
| Noninterest expense to average assets | 3.2597% | 2,178 |
| Loan and lease loss provision to assets | 0.1542% | 2,340 |
| Net operating income to assets | 1.7225% | 608 |
| Return on assets (ROA) | 1.7847% | 564 |
| Pretax return on assets | 1.7847% | 937 |
| Return on Equity (ROE) | 21.6359% | 217 |
| Retained earnings to average equity (ytd only) | 7.1048% | 1,827 |
| Net charge-offs to loans | 0.0389% | 4,373 |
| Credit loss provision to net charge-offs | 688.8889% | 422 |
| Earnings coverage of net charge-offs (x) | 83.8497% | 567 |
| Efficiency ratio | 62.8903% | 5,003 |
| Assets per employee ($millions) | 2.8958% | 6,016 |
| Cash dividends to net income (ytd only)* | 67.1620% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1624% | 5,058 |
| Loan loss allowance to noncurrent loans | 1,057.9439% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.0660% | 6,246 |
| Noncurrent loans to loans | 0.1099% | 6,002 |
| Net loans and leases to total assets | 59.3536% | 3,798 |
| Net loans and leases to deposits | 64.8048% | 4,432 |
| Net loans and leases to core deposits | 66.6981% | 4,650 |
| Total domestic deposits to total assets | 91.5883% | 345 |
| Equity capital to assets | 7.6677% | 6,320 |
| Core capital (leverage) ratio | 8.0961% | 6,153 |
| Tier 1 risk-based capital ratio | 12.2396% | 5,611 |
| Total risk-based capital ratio | 13.3053% | 5,687 |
| Memoranda: | ||
| Average total assets | $321,694,250 | 2,007 |
| Average earning assets | $300,058,250 | 1,985 |
| Average equity | $26,535,500 | 2,525 |
| Average total loans | $185,148,000 | 2,153 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7285% | 1,494 |
| Cost of funding earning assets | 0.1818% | 6,564 |
| Net interest margin | 4.5467% | 651 |
| Noninterest income to average assets | 0.7899% | 2,239 |
| Noninterest expense to average assets | 3.2006% | 2,353 |
| Loan and lease loss provision to assets | 0.1746% | 2,162 |
| Net operating income to assets | 1.6552% | 679 |
| Return on assets (ROA) | 1.7524% | 613 |
| Pretax return on assets | 1.7524% | 1,010 |
| Return on Equity (ROE) | 20.7523% | 261 |
| Retained earnings to average equity (ytd only) | 7.6852% | 1,602 |
| Net charge-offs to loans | 0.0363% | 4,174 |
| Credit loss provision to net charge-offs | 848.4848% | 359 |
| Earnings coverage of net charge-offs (x) | 88.9394% | 513 |
| Efficiency ratio | 62.9818% | 5,021 |
| Assets per employee ($millions) | 2.9372% | 5,951 |
| Cash dividends to net income (ytd only)* | 62.9669% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1074% | 5,412 |
| Loan loss allowance to noncurrent loans | 54,850.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0210% | 6,480 |
| Noncurrent loans to loans | 0.0020% | 6,459 |
| Net loans and leases to total assets | 60.6429% | 3,550 |
| Net loans and leases to deposits | 65.9741% | 4,269 |
| Net loans and leases to core deposits | 67.7604% | 4,523 |
| Total domestic deposits to total assets | 91.9192% | 266 |
| Equity capital to assets | 7.7446% | 6,341 |
| Core capital (leverage) ratio | 7.9370% | 6,225 |
| Tier 1 risk-based capital ratio | 11.8933% | 5,854 |
| Total risk-based capital ratio | 12.9122% | 5,972 |
| Memoranda: | ||
| Average total assets | $320,814,330 | 2,017 |
| Average earning assets | $299,205,000 | 1,991 |
| Average equity | $27,091,000 | 2,479 |
| Average total loans | $181,941,330 | 2,182 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6218% | 1,768 |
| Cost of funding earning assets | 0.1805% | 6,672 |
| Net interest margin | 4.4414% | 747 |
| Noninterest income to average assets | 0.7495% | 2,340 |
| Noninterest expense to average assets | 3.1782% | 2,422 |
| Loan and lease loss provision to assets | 0.2002% | 1,858 |
| Net operating income to assets | 1.4978% | 859 |
| Return on assets (ROA) | 1.5766% | 798 |
| Pretax return on assets | 1.5766% | 1,358 |
| Return on Equity (ROE) | 17.9197% | 439 |
| Retained earnings to average equity (ytd only) | 5.4186% | 2,994 |
| Net charge-offs to loans | 0.0391% | 3,480 |
| Credit loss provision to net charge-offs | 941.1765% | 330 |
| Earnings coverage of net charge-offs (x) | 79.8235% | 468 |
| Efficiency ratio | 64.4085% | 4,939 |
| Assets per employee ($millions) | 3.1380% | 5,750 |
| Cash dividends to net income (ytd only)* | 69.7619% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1661% | 5,343 |
| Loan loss allowance to noncurrent loans | 52,225.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0709% | 6,388 |
| Noncurrent loans to loans | 0.0022% | 6,524 |
| Net loans and leases to total assets | 55.3175% | 4,199 |
| Net loans and leases to deposits | 60.7326% | 4,714 |
| Net loans and leases to core deposits | 62.4158% | 4,914 |
| Total domestic deposits to total assets | 91.0837% | 496 |
| Equity capital to assets | 8.6533% | 5,855 |
| Core capital (leverage) ratio | 7.7685% | 6,311 |
| Tier 1 risk-based capital ratio | 12.2165% | 5,779 |
| Total risk-based capital ratio | 13.2403% | 5,882 |
| Memoranda: | ||
| Average total assets | $319,677,500 | 2,047 |
| Average earning assets | $297,026,500 | 2,025 |
| Average equity | $28,125,500 | 2,430 |
| Average total loans | $173,850,000 | 2,282 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0393% | 1,461 |
| Cost of funding earning assets | 0.2958% | 6,478 |
| Net interest margin | 4.7435% | 603 |
| Noninterest income to average assets | 0.9044% | 1,846 |
| Noninterest expense to average assets | 3.4052% | 2,032 |
| Loan and lease loss provision to assets | 0.0701% | 4,866 |
| Net operating income to assets | 1.8422% | 481 |
| Return on assets (ROA) | 1.9324% | 445 |
| Pretax return on assets | 1.9324% | 692 |
| Return on Equity (ROE) | 21.3174% | 246 |
| Retained earnings to average equity (ytd only) | 7.7591% | 1,205 |
| Net charge-offs to loans | 0.1178% | 4,510 |
| Credit loss provision to net charge-offs | 109.9476% | 2,660 |
| Earnings coverage of net charge-offs (x) | 29.9791% | 1,014 |
| Efficiency ratio | 63.2835% | 5,022 |
| Assets per employee ($millions) | 3.1302% | 5,785 |
| Cash dividends to net income (ytd only)* | 63.6018% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1551% | 5,323 |
| Loan loss allowance to noncurrent loans | 760.5469% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 6,109 |
| Noncurrent loans to loans | 0.1519% | 6,101 |
| Net loans and leases to total assets | 52.1819% | 4,904 |
| Net loans and leases to deposits | 58.1370% | 5,229 |
| Net loans and leases to core deposits | 59.8179% | 5,380 |
| Total domestic deposits to total assets | 89.7569% | 1,091 |
| Equity capital to assets | 8.9433% | 5,588 |
| Core capital (leverage) ratio | 7.9819% | 6,212 |
| Tier 1 risk-based capital ratio | 12.7633% | 5,282 |
| Total risk-based capital ratio | 13.7769% | 5,408 |
| Memoranda: | ||
| Average total assets | $299,423,000 | 2,143 |
| Average earning assets | $278,569,200 | 2,111 |
| Average equity | $27,142,200 | 2,471 |
| Average total loans | $162,082,000 | 2,399 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1304% | 1,355 |
| Cost of funding earning assets | 0.3201% | 6,511 |
| Net interest margin | 4.8104% | 553 |
| Noninterest income to average assets | 0.9205% | 1,761 |
| Noninterest expense to average assets | 3.4005% | 1,997 |
| Loan and lease loss provision to assets | 0.0724% | 4,759 |
| Net operating income to assets | 1.9389% | 417 |
| Return on assets (ROA) | 2.0172% | 421 |
| Pretax return on assets | 2.0172% | 680 |
| Return on Equity (ROE) | 22.1725% | 229 |
| Retained earnings to average equity (ytd only) | 10.2277% | 860 |
| Net charge-offs to loans | 0.0947% | 4,433 |
| Credit loss provision to net charge-offs | 140.3509% | 2,058 |
| Earnings coverage of net charge-offs (x) | 38.9639% | 898 |
| Efficiency ratio | 62.0315% | 5,144 |
| Assets per employee ($millions) | 2.9344% | 6,161 |
| Cash dividends to net income (ytd only)* | 53.8721% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1503% | 5,518 |
| Loan loss allowance to noncurrent loans | 1,154.3860% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.1971% | 6,219 |
| Noncurrent loans to loans | 0.0996% | 6,365 |
| Net loans and leases to total assets | 56.6751% | 4,348 |
| Net loans and leases to deposits | 63.0813% | 4,831 |
| Net loans and leases to core deposits | 65.0537% | 5,048 |
| Total domestic deposits to total assets | 89.8445% | 931 |
| Equity capital to assets | 9.8117% | 4,763 |
| Core capital (leverage) ratio | 8.2986% | 6,011 |
| Tier 1 risk-based capital ratio | 13.0567% | 5,202 |
| Total risk-based capital ratio | 14.1113% | 5,328 |
| Memoranda: | ||
| Average total assets | $294,459,000 | 2,197 |
| Average earning assets | $274,927,000 | 2,158 |
| Average equity | $26,789,250 | 2,518 |
| Average total loans | $160,464,250 | 2,448 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1281% | 1,428 |
| Cost of funding earning assets | 0.3471% | 6,521 |
| Net interest margin | 4.7809% | 579 |
| Noninterest income to average assets | 0.9049% | 1,770 |
| Noninterest expense to average assets | 3.3882% | 2,058 |
| Loan and lease loss provision to assets | 0.0546% | 4,976 |
| Net operating income to assets | 1.9300% | 438 |
| Return on assets (ROA) | 2.0407% | 411 |
| Pretax return on assets | 2.0407% | 640 |
| Return on Equity (ROE) | 23.0467% | 208 |
| Retained earnings to average equity (ytd only) | 11.9244% | 594 |
| Net charge-offs to loans | 0.1123% | 4,056 |
| Credit loss provision to net charge-offs | 90.9091% | 3,017 |
| Earnings coverage of net charge-offs (x) | 33.0227% | 1,009 |
| Efficiency ratio | 62.1584% | 5,221 |
| Assets per employee ($millions) | 2.8381% | 6,346 |
| Cash dividends to net income (ytd only)* | 48.2597% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 5,535 |
| Loan loss allowance to noncurrent loans | 3,555.5556% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.2228% | 6,222 |
| Noncurrent loans to loans | 0.0326% | 6,605 |
| Net loans and leases to total assets | 56.5925% | 4,384 |
| Net loans and leases to deposits | 62.7567% | 4,907 |
| Net loans and leases to core deposits | 65.1285% | 5,096 |
| Total domestic deposits to total assets | 90.1776% | 827 |
| Equity capital to assets | 9.5104% | 5,040 |
| Core capital (leverage) ratio | 8.1587% | 6,087 |
| Tier 1 risk-based capital ratio | 13.3627% | 4,924 |
| Total risk-based capital ratio | 14.4360% | 5,024 |
| Memoranda: | ||
| Average total assets | $292,843,330 | 2,206 |
| Average earning assets | $273,670,330 | 2,166 |
| Average equity | $25,930,000 | 2,578 |
| Average total loans | $156,750,330 | 2,507 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0364% | 1,772 |
| Cost of funding earning assets | 0.3871% | 6,475 |
| Net interest margin | 4.6493% | 748 |
| Noninterest income to average assets | 0.8339% | 2,018 |
| Noninterest expense to average assets | 3.3804% | 2,057 |
| Loan and lease loss provision to assets | 0.1086% | 3,996 |
| Net operating income to assets | 1.7004% | 719 |
| Return on assets (ROA) | 1.7493% | 738 |
| Pretax return on assets | 1.7493% | 1,197 |
| Return on Equity (ROE) | 20.5018% | 355 |
| Retained earnings to average equity (ytd only) | 10.2191% | 1,211 |
| Net charge-offs to loans | 0.2601% | 2,632 |
| Credit loss provision to net charge-offs | 80.8081% | 2,710 |
| Earnings coverage of net charge-offs (x) | 13.4545% | 1,534 |
| Efficiency ratio | 64.0670% | 4,913 |
| Assets per employee ($millions) | 2.9700% | 6,212 |
| Cash dividends to net income (ytd only)* | 50.1553% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 5,230 |
| Loan loss allowance to noncurrent loans | 1,869.6078% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.2460% | 6,270 |
| Noncurrent loans to loans | 0.0670% | 6,582 |
| Net loans and leases to total assets | 50.1122% | 5,285 |
| Net loans and leases to deposits | 54.9800% | 5,708 |
| Net loans and leases to core deposits | 56.9473% | 5,822 |
| Total domestic deposits to total assets | 91.1461% | 496 |
| Equity capital to assets | 8.5738% | 6,015 |
| Core capital (leverage) ratio | 7.7389% | 6,456 |
| Tier 1 risk-based capital ratio | 13.1530% | 5,092 |
| Total risk-based capital ratio | 14.2449% | 5,194 |
| Memoranda: | ||
| Average total assets | $294,524,000 | 2,207 |
| Average earning assets | $275,914,000 | 2,158 |
| Average equity | $25,129,500 | 2,647 |
| Average total loans | $152,253,000 | 2,599 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5030% | 1,169 |
| Cost of funding earning assets | 0.5330% | 6,410 |
| Net interest margin | 4.9700% | 435 |
| Noninterest income to average assets | 0.9891% | 1,398 |
| Noninterest expense to average assets | 3.6411% | 1,659 |
| Loan and lease loss provision to assets | 0.2240% | 3,965 |
| Net operating income to assets | 1.7724% | 485 |
| Return on assets (ROA) | 1.8826% | 429 |
| Pretax return on assets | 1.8826% | 687 |
| Return on Equity (ROE) | 22.5677% | 171 |
| Retained earnings to average equity (ytd only) | 10.1803% | 526 |
| Net charge-offs to loans | 0.3277% | 3,753 |
| Credit loss provision to net charge-offs | 120.2358% | 2,650 |
| Earnings coverage of net charge-offs (x) | 10.7151% | 1,804 |
| Efficiency ratio | 63.4829% | 5,216 |
| Assets per employee ($millions) | 2.9498% | 6,196 |
| Cash dividends to net income (ytd only)* | 54.8901% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2655% | 5,093 |
| Loan loss allowance to noncurrent loans | 355.5351% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.3013% | 6,220 |
| Noncurrent loans to loans | 0.3559% | 6,005 |
| Net loans and leases to total assets | 52.0104% | 5,311 |
| Net loans and leases to deposits | 57.1091% | 5,788 |
| Net loans and leases to core deposits | 59.2725% | 5,909 |
| Total domestic deposits to total assets | 91.0719% | 481 |
| Equity capital to assets | 8.4891% | 6,160 |
| Core capital (leverage) ratio | 7.4785% | 6,661 |
| Tier 1 risk-based capital ratio | 12.2859% | 5,621 |
| Total risk-based capital ratio | 13.3979% | 5,704 |
| Memoranda: | ||
| Average total assets | $273,190,200 | 2,317 |
| Average earning assets | $255,514,000 | 2,267 |
| Average equity | $22,789,200 | 2,806 |
| Average total loans | $155,319,400 | 2,561 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6061% | 1,021 |
| Cost of funding earning assets | 0.5703% | 6,428 |
| Net interest margin | 5.0358% | 384 |
| Noninterest income to average assets | 0.9855% | 1,372 |
| Noninterest expense to average assets | 3.5376% | 1,836 |
| Loan and lease loss provision to assets | 0.1783% | 4,248 |
| Net operating income to assets | 1.9751% | 359 |
| Return on assets (ROA) | 2.0805% | 325 |
| Pretax return on assets | 2.0805% | 541 |
| Return on Equity (ROE) | 25.0596% | 128 |
| Retained earnings to average equity (ytd only) | 14.2328% | 284 |
| Net charge-offs to loans | 0.3246% | 3,473 |
| Credit loss provision to net charge-offs | 94.7368% | 3,615 |
| Earnings coverage of net charge-offs (x) | 11.4422% | 1,807 |
| Efficiency ratio | 61.0391% | 5,556 |
| Assets per employee ($millions) | 2.9192% | 6,276 |
| Cash dividends to net income (ytd only)* | 43.2040% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1544% | 5,661 |
| Loan loss allowance to noncurrent loans | 305.0761% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.3265% | 6,254 |
| Noncurrent loans to loans | 0.3784% | 6,095 |
| Net loans and leases to total assets | 55.0872% | 4,985 |
| Net loans and leases to deposits | 60.7115% | 5,553 |
| Net loans and leases to core deposits | 62.3703% | 5,787 |
| Total domestic deposits to total assets | 90.7360% | 538 |
| Equity capital to assets | 8.9286% | 5,837 |
| Core capital (leverage) ratio | 7.7872% | 6,571 |
| Tier 1 risk-based capital ratio | 12.7510% | 5,293 |
| Total risk-based capital ratio | 13.8296% | 5,408 |
| Memoranda: | ||
| Average total assets | $269,218,500 | 2,360 |
| Average earning assets | $251,553,500 | 2,304 |
| Average equity | $22,351,500 | 2,852 |
| Average total loans | $156,080,000 | 2,574 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6210% | 1,034 |
| Cost of funding earning assets | 0.6132% | 6,393 |
| Net interest margin | 5.0078% | 388 |
| Noninterest income to average assets | 0.9927% | 1,342 |
| Noninterest expense to average assets | 3.6634% | 1,597 |
| Loan and lease loss provision to assets | 0.1808% | 4,110 |
| Net operating income to assets | 1.8295% | 472 |
| Return on assets (ROA) | 1.9138% | 426 |
| Pretax return on assets | 1.9138% | 685 |
| Return on Equity (ROE) | 23.6798% | 172 |
| Retained earnings to average equity (ytd only) | 13.1586% | 379 |
| Net charge-offs to loans | 0.0679% | 4,959 |
| Credit loss provision to net charge-offs | 452.8302% | 673 |
| Earnings coverage of net charge-offs (x) | 50.3585% | 621 |
| Efficiency ratio | 63.4010% | 5,347 |
| Assets per employee ($millions) | 2.7512% | 6,562 |
| Cash dividends to net income (ytd only)* | 44.4313% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 5,345 |
| Loan loss allowance to noncurrent loans | 187.2321% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.5047% | 5,904 |
| Noncurrent loans to loans | 0.6644% | 5,582 |
| Net loans and leases to total assets | 59.7622% | 4,315 |
| Net loans and leases to deposits | 66.3911% | 4,942 |
| Net loans and leases to core deposits | 68.3503% | 5,254 |
| Total domestic deposits to total assets | 90.0154% | 970 |
| Equity capital to assets | 8.5045% | 6,176 |
| Core capital (leverage) ratio | 7.6567% | 6,618 |
| Tier 1 risk-based capital ratio | 12.1324% | 5,684 |
| Total risk-based capital ratio | 13.3331% | 5,686 |
| Memoranda: | ||
| Average total assets | $265,543,000 | 2,402 |
| Average earning assets | $248,210,330 | 2,346 |
| Average equity | $21,461,330 | 2,931 |
| Average total loans | $156,046,000 | 2,601 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5200% | 1,244 |
| Cost of funding earning assets | 0.6748% | 6,275 |
| Net interest margin | 4.8452% | 518 |
| Noninterest income to average assets | 0.9952% | 1,345 |
| Noninterest expense to average assets | 3.6288% | 1,705 |
| Loan and lease loss provision to assets | 0.1812% | 3,805 |
| Net operating income to assets | 1.7064% | 570 |
| Return on assets (ROA) | 1.7064% | 604 |
| Pretax return on assets | 1.7064% | 972 |
| Return on Equity (ROE) | 21.6849% | 256 |
| Retained earnings to average equity (ytd only) | 10.8424% | 931 |
| Net charge-offs to loans | 0.1774% | 3,431 |
| Credit loss provision to net charge-offs | 176.4706% | 1,653 |
| Earnings coverage of net charge-offs (x) | 18.3824% | 1,182 |
| Efficiency ratio | 64.5497% | 5,266 |
| Assets per employee ($millions) | 2.7728% | 6,577 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 5,523 |
| Loan loss allowance to noncurrent loans | 180.5395% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.5725% | 5,828 |
| Noncurrent loans to loans | 0.6758% | 5,675 |
| Net loans and leases to total assets | 56.9941% | 4,798 |
| Net loans and leases to deposits | 62.1239% | 5,481 |
| Net loans and leases to core deposits | 63.8538% | 5,745 |
| Total domestic deposits to total assets | 91.7426% | 356 |
| Equity capital to assets | 7.9688% | 6,530 |
| Core capital (leverage) ratio | 7.4080% | 6,783 |
| Tier 1 risk-based capital ratio | 12.4193% | 5,339 |
| Total risk-based capital ratio | 13.6184% | 5,370 |
| Memoranda: | ||
| Average total assets | $264,879,000 | 2,427 |
| Average earning assets | $247,173,000 | 2,378 |
| Average equity | $20,844,000 | 3,001 |
| Average total loans | $153,320,500 | 2,659 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8459% | 1,159 |
| Cost of funding earning assets | 0.8703% | 6,296 |
| Net interest margin | 4.9756% | 457 |
| Noninterest income to average assets | 1.0788% | 1,281 |
| Noninterest expense to average assets | 3.7053% | 1,692 |
| Loan and lease loss provision to assets | 0.2867% | 4,508 |
| Net operating income to assets | 1.7269% | 489 |
| Return on assets (ROA) | 1.9057% | 360 |
| Pretax return on assets | 1.9057% | 603 |
| Return on Equity (ROE) | 23.0521% | 141 |
| Retained earnings to average equity (ytd only) | 9.9583% | 533 |
| Net charge-offs to loans | 0.1217% | 5,670 |
| Credit loss provision to net charge-offs | 390.1099% | 635 |
| Earnings coverage of net charge-offs (x) | 27.4011% | 795 |
| Efficiency ratio | 63.8238% | 5,382 |
| Assets per employee ($millions) | 2.7744% | 6,557 |
| Cash dividends to net income (ytd only)* | 56.8008% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 5,564 |
| Loan loss allowance to noncurrent loans | 128.6521% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.6879% | 5,626 |
| Noncurrent loans to loans | 0.9258% | 5,199 |
| Net loans and leases to total assets | 57.3785% | 5,130 |
| Net loans and leases to deposits | 62.4628% | 5,795 |
| Net loans and leases to core deposits | 65.3040% | 5,944 |
| Total domestic deposits to total assets | 91.8603% | 307 |
| Equity capital to assets | 7.7687% | 6,695 |
| Core capital (leverage) ratio | 7.1494% | 6,941 |
| Tier 1 risk-based capital ratio | 11.9415% | 5,527 |
| Total risk-based capital ratio | 13.0984% | 5,607 |
| Memoranda: | ||
| Average total assets | $247,671,800 | 2,565 |
| Average earning assets | $230,966,400 | 2,515 |
| Average equity | $20,475,400 | 3,080 |
| Average total loans | $149,505,800 | 2,778 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9024% | 1,128 |
| Cost of funding earning assets | 0.8971% | 6,402 |
| Net interest margin | 5.0053% | 441 |
| Noninterest income to average assets | 1.1068% | 1,149 |
| Noninterest expense to average assets | 3.6689% | 1,634 |
| Loan and lease loss provision to assets | 0.2954% | 4,215 |
| Net operating income to assets | 1.8099% | 489 |
| Return on assets (ROA) | 2.0522% | 330 |
| Pretax return on assets | 2.0522% | 556 |
| Return on Equity (ROE) | 24.4256% | 133 |
| Retained earnings to average equity (ytd only) | 16.4227% | 153 |
| Net charge-offs to loans | 0.0655% | 5,858 |
| Credit loss provision to net charge-offs | 739.7260% | 403 |
| Earnings coverage of net charge-offs (x) | 52.7128% | 547 |
| Efficiency ratio | 62.6777% | 5,491 |
| Assets per employee ($millions) | 2.6588% | 6,837 |
| Cash dividends to net income (ytd only)* | 32.7647% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0771% | 6,030 |
| Loan loss allowance to noncurrent loans | 184.2215% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.4525% | 6,295 |
| Noncurrent loans to loans | 0.5847% | 6,045 |
| Net loans and leases to total assets | 62.1395% | 4,500 |
| Net loans and leases to deposits | 68.2496% | 5,383 |
| Net loans and leases to core deposits | 71.4317% | 5,582 |
| Total domestic deposits to total assets | 91.0474% | 436 |
| Equity capital to assets | 8.5899% | 6,169 |
| Core capital (leverage) ratio | 7.5018% | 6,842 |
| Tier 1 risk-based capital ratio | 12.0095% | 5,457 |
| Total risk-based capital ratio | 13.1092% | 5,561 |
| Memoranda: | ||
| Average total assets | $243,697,000 | 2,649 |
| Average earning assets | $227,245,500 | 2,588 |
| Average equity | $20,475,250 | 3,126 |
| Average total loans | $148,618,250 | 2,832 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8219% | 1,374 |
| Cost of funding earning assets | 0.8955% | 6,598 |
| Net interest margin | 4.9264% | 505 |
| Noninterest income to average assets | 1.1139% | 1,059 |
| Noninterest expense to average assets | 3.6896% | 1,574 |
| Loan and lease loss provision to assets | 0.3024% | 3,978 |
| Net operating income to assets | 1.7154% | 572 |
| Return on assets (ROA) | 2.0876% | 309 |
| Pretax return on assets | 2.0876% | 503 |
| Return on Equity (ROE) | 25.0508% | 121 |
| Retained earnings to average equity (ytd only) | 12.6615% | 417 |
| Net charge-offs to loans | 0.0669% | 5,474 |
| Credit loss provision to net charge-offs | 750.0000% | 495 |
| Earnings coverage of net charge-offs (x) | 50.0417% | 590 |
| Efficiency ratio | 64.0271% | 5,332 |
| Assets per employee ($millions) | 2.5275% | 7,067 |
| Cash dividends to net income (ytd only)* | 49.4567% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9960% | 6,425 |
| Loan loss allowance to noncurrent loans | 189.3868% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.3355% | 6,583 |
| Noncurrent loans to loans | 0.5259% | 6,206 |
| Net loans and leases to total assets | 63.1637% | 4,426 |
| Net loans and leases to deposits | 69.4420% | 5,359 |
| Net loans and leases to core deposits | 71.8364% | 5,688 |
| Total domestic deposits to total assets | 90.9590% | 497 |
| Equity capital to assets | 8.1583% | 6,587 |
| Core capital (leverage) ratio | 7.4215% | 6,902 |
| Tier 1 risk-based capital ratio | 10.5031% | 6,684 |
| Total risk-based capital ratio | 11.4435% | 6,886 |
| Memoranda: | ||
| Average total assets | $238,075,330 | 2,726 |
| Average earning assets | $221,988,670 | 2,663 |
| Average equity | $19,839,670 | 3,194 |
| Average total loans | $143,599,330 | 2,944 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8468% | 1,332 |
| Cost of funding earning assets | 0.9026% | 6,761 |
| Net interest margin | 4.9441% | 469 |
| Noninterest income to average assets | 1.1320% | 972 |
| Noninterest expense to average assets | 3.6422% | 1,631 |
| Loan and lease loss provision to assets | 0.3120% | 3,548 |
| Net operating income to assets | 1.7925% | 506 |
| Return on assets (ROA) | 1.7925% | 553 |
| Pretax return on assets | 1.7925% | 889 |
| Return on Equity (ROE) | 21.2653% | 313 |
| Retained earnings to average equity (ytd only) | 7.5889% | 1,882 |
| Net charge-offs to loans | 0.1543% | 4,001 |
| Credit loss provision to net charge-offs | 346.1538% | 1,166 |
| Earnings coverage of net charge-offs (x) | 23.3462% | 1,056 |
| Efficiency ratio | 63.1674% | 5,629 |
| Assets per employee ($millions) | 2.5339% | 7,147 |
| Cash dividends to net income (ytd only)* | 64.3133% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0443% | 6,262 |
| Loan loss allowance to noncurrent loans | 180.5838% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.5152% | 6,207 |
| Noncurrent loans to loans | 0.5783% | 6,149 |
| Net loans and leases to total assets | 57.8423% | 5,465 |
| Net loans and leases to deposits | 63.4289% | 6,120 |
| Net loans and leases to core deposits | 66.7520% | 6,231 |
| Total domestic deposits to total assets | 91.1923% | 468 |
| Equity capital to assets | 8.5001% | 6,001 |
| Core capital (leverage) ratio | 7.7594% | 6,554 |
| Tier 1 risk-based capital ratio | 11.9860% | 5,208 |
| Total risk-based capital ratio | 12.9478% | 5,450 |
| Memoranda: | ||
| Average total assets | $230,739,000 | 2,870 |
| Average earning assets | $215,367,500 | 2,800 |
| Average equity | $19,449,500 | 3,273 |
| Average total loans | $134,773,500 | 3,165 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2145% | 1,202 |
| Cost of funding earning assets | 1.0671% | 7,064 |
| Net interest margin | 5.1475% | 326 |
| Noninterest income to average assets | 1.1398% | 1,185 |
| Noninterest expense to average assets | 3.7804% | 1,736 |
| Loan and lease loss provision to assets | 0.1925% | 5,801 |
| Net operating income to assets | 1.9642% | 246 |
| Return on assets (ROA) | 1.9642% | 258 |
| Pretax return on assets | 1.9642% | 435 |
| Return on Equity (ROE) | 23.3277% | 127 |
| Retained earnings to average equity (ytd only) | 8.0009% | 700 |
| Net charge-offs to loans | 0.0172% | 6,978 |
| Credit loss provision to net charge-offs | 1,826.0870% | 172 |
| Earnings coverage of net charge-offs (x) | 204.6087% | 136 |
| Efficiency ratio | 63.4581% | 5,880 |
| Assets per employee ($millions) | 2.5950% | 7,047 |
| Cash dividends to net income (ytd only)* | 65.7023% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9716% | 6,525 |
| Loan loss allowance to noncurrent loans | 169.2810% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.3350% | 6,604 |
| Noncurrent loans to loans | 0.5740% | 6,094 |
| Net loans and leases to total assets | 57.7983% | 5,689 |
| Net loans and leases to deposits | 63.4345% | 6,333 |
| Net loans and leases to core deposits | 76.6190% | 6,365 |
| Total domestic deposits to total assets | 91.1150% | 493 |
| Equity capital to assets | 8.3569% | 6,118 |
| Core capital (leverage) ratio | 7.6474% | 6,621 |
| Tier 1 risk-based capital ratio | 11.9673% | 4,971 |
| Total risk-based capital ratio | 12.8602% | 5,243 |
| Memoranda: | ||
| Average total assets | $218,204,600 | 2,968 |
| Average earning assets | $203,361,800 | 2,928 |
| Average equity | $18,373,000 | 3,448 |
| Average total loans | $133,730,600 | 3,196 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2979% | 1,142 |
| Cost of funding earning assets | 1.0916% | 7,196 |
| Net interest margin | 5.2063% | 297 |
| Noninterest income to average assets | 1.1283% | 1,234 |
| Noninterest expense to average assets | 3.6172% | 1,994 |
| Loan and lease loss provision to assets | 0.2597% | 4,882 |
| Net operating income to assets | 2.1020% | 234 |
| Return on assets (ROA) | 2.1020% | 256 |
| Pretax return on assets | 2.1020% | 440 |
| Return on Equity (ROE) | 24.9143% | 109 |
| Retained earnings to average equity (ytd only) | 10.7791% | 502 |
| Net charge-offs to loans | -0.0379% | 7,830 |
| Credit loss provision to net charge-offs | -1,105.2632% | 7,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2833% | 6,371 |
| Assets per employee ($millions) | 2.4973% | 7,230 |
| Cash dividends to net income (ytd only)* | 56.7354% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9748% | 6,418 |
| Loan loss allowance to noncurrent loans | 189.2458% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.3258% | 6,663 |
| Noncurrent loans to loans | 0.5151% | 6,275 |
| Net loans and leases to total assets | 62.6339% | 5,130 |
| Net loans and leases to deposits | 69.0823% | 6,021 |
| Net loans and leases to core deposits | 83.1750% | 6,105 |
| Total domestic deposits to total assets | 90.6656% | 530 |
| Equity capital to assets | 8.9239% | 5,602 |
| Core capital (leverage) ratio | 8.0265% | 6,312 |
| Tier 1 risk-based capital ratio | 11.7529% | 5,198 |
| Total risk-based capital ratio | 12.6707% | 5,450 |
| Memoranda: | ||
| Average total assets | $215,665,000 | 3,019 |
| Average earning assets | $200,929,500 | 2,970 |
| Average equity | $18,195,250 | 3,501 |
| Average total loans | $133,842,000 | 3,228 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2242% | 1,393 |
| Cost of funding earning assets | 1.1279% | 7,305 |
| Net interest margin | 5.0963% | 357 |
| Noninterest income to average assets | 1.0929% | 1,335 |
| Noninterest expense to average assets | 3.5931% | 2,086 |
| Loan and lease loss provision to assets | 0.3360% | 3,927 |
| Net operating income to assets | 1.9076% | 370 |
| Return on assets (ROA) | 1.9076% | 402 |
| Pretax return on assets | 1.9076% | 685 |
| Return on Equity (ROE) | 23.0656% | 193 |
| Retained earnings to average equity (ytd only) | 7.8541% | 1,258 |
| Net charge-offs to loans | 0.3860% | 3,272 |
| Credit loss provision to net charge-offs | 141.1765% | 3,299 |
| Earnings coverage of net charge-offs (x) | 9.4275% | 2,132 |
| Efficiency ratio | 61.3367% | 6,342 |
| Assets per employee ($millions) | 2.4957% | 7,263 |
| Cash dividends to net income (ytd only)* | 65.9491% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7243% | 7,367 |
| Loan loss allowance to noncurrent loans | 122.6438% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.3806% | 6,506 |
| Noncurrent loans to loans | 0.5906% | 6,075 |
| Net loans and leases to total assets | 63.9843% | 4,986 |
| Net loans and leases to deposits | 71.3661% | 5,828 |
| Net loans and leases to core deposits | 83.4485% | 6,126 |
| Total domestic deposits to total assets | 89.6563% | 978 |
| Equity capital to assets | 8.2746% | 6,378 |
| Core capital (leverage) ratio | 7.7573% | 6,668 |
| Tier 1 risk-based capital ratio | 11.3104% | 5,578 |
| Total risk-based capital ratio | 11.9944% | 6,079 |
| Memoranda: | ||
| Average total assets | $214,300,670 | 3,052 |
| Average earning assets | $199,478,670 | 3,008 |
| Average equity | $17,723,330 | 3,585 |
| Average total loans | $132,123,330 | 3,299 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1886% | 1,636 |
| Cost of funding earning assets | 1.2144% | 7,269 |
| Net interest margin | 4.9742% | 426 |
| Noninterest income to average assets | 1.0442% | 1,365 |
| Noninterest expense to average assets | 3.4296% | 2,280 |
| Loan and lease loss provision to assets | 0.3362% | 3,303 |
| Net operating income to assets | 1.9072% | 422 |
| Return on assets (ROA) | 1.9072% | 473 |
| Pretax return on assets | 1.9072% | 785 |
| Return on Equity (ROE) | 23.0669% | 261 |
| Retained earnings to average equity (ytd only) | 10.1440% | 1,154 |
| Net charge-offs to loans | 0.3627% | 2,646 |
| Credit loss provision to net charge-offs | 153.8462% | 2,714 |
| Earnings coverage of net charge-offs (x) | 10.2650% | 1,965 |
| Efficiency ratio | 60.2239% | 6,371 |
| Assets per employee ($millions) | 2.5084% | 7,263 |
| Cash dividends to net income (ytd only)* | 56.0235% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7397% | 7,339 |
| Loan loss allowance to noncurrent loans | 114.0143% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.3903% | 6,331 |
| Noncurrent loans to loans | 0.6488% | 5,786 |
| Net loans and leases to total assets | 59.7150% | 5,705 |
| Net loans and leases to deposits | 65.4043% | 6,427 |
| Net loans and leases to core deposits | 75.9027% | 6,682 |
| Total domestic deposits to total assets | 91.3013% | 324 |
| Equity capital to assets | 8.4354% | 6,174 |
| Core capital (leverage) ratio | 7.6615% | 6,936 |
| Tier 1 risk-based capital ratio | 11.6346% | 5,264 |
| Total risk-based capital ratio | 12.3192% | 5,745 |
| Memoranda: | ||
| Average total assets | $214,134,000 | 3,068 |
| Average earning assets | $199,269,500 | 3,023 |
| Average equity | $17,705,000 | 3,605 |
| Average total loans | $129,018,000 | 3,382 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9293% | 1,313 |
| Cost of funding earning assets | 1.8495% | 6,871 |
| Net interest margin | 5.0798% | 428 |
| Noninterest income to average assets | 1.1855% | 1,086 |
| Noninterest expense to average assets | 3.8080% | 1,738 |
| Loan and lease loss provision to assets | 0.5404% | 2,661 |
| Net operating income to assets | 1.5260% | 970 |
| Return on assets (ROA) | 1.5195% | 947 |
| Pretax return on assets | 1.5195% | 1,624 |
| Return on Equity (ROE) | 19.3915% | 425 |
| Retained earnings to average equity (ytd only) | 9.1695% | 578 |
| Net charge-offs to loans | 0.7978% | 1,563 |
| Credit loss provision to net charge-offs | 105.4294% | 5,080 |
| Earnings coverage of net charge-offs (x) | 4.0316% | 4,137 |
| Efficiency ratio | 64.3325% | 5,491 |
| Assets per employee ($millions) | 2.5303% | 7,151 |
| Cash dividends to net income (ytd only)* | 52.7140% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6994% | 7,422 |
| Loan loss allowance to noncurrent loans | 405.8824% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1040% | 7,166 |
| Noncurrent loans to loans | 0.1723% | 6,873 |
| Net loans and leases to total assets | 59.9214% | 5,918 |
| Net loans and leases to deposits | 65.4915% | 6,679 |
| Net loans and leases to core deposits | 75.6942% | 6,875 |
| Total domestic deposits to total assets | 91.4950% | 207 |
| Equity capital to assets | 8.0985% | 6,700 |
| Core capital (leverage) ratio | 7.5862% | 7,093 |
| Tier 1 risk-based capital ratio | 11.4429% | 5,295 |
| Total risk-based capital ratio | 12.0902% | 5,779 |
| Memoranda: | ||
| Average total assets | $197,636,600 | 3,173 |
| Average earning assets | $182,429,200 | 3,154 |
| Average equity | $15,486,200 | 4,027 |
| Average total loans | $126,968,200 | 3,318 |