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 | 4.8248% | 2,427 |
| Cost of funding earning assets | 1.4148% | 2,190 |
| Net interest margin | 3.4101% | 2,388 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.1861% | 3,167 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3672% | 1,284 |
| Return on assets (ROA) | 1.3136% | 1,375 |
| Pretax return on assets | 1.3624% | 1,714 |
| Return on Equity (ROE) | 19.0700% | 705 |
| Retained earnings to average equity (ytd only) | 8.1365% | 1,495 |
| Net charge-offs to loans | -0.0263% | 4,239 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.9147% | 3,089 |
| Assets per employee ($millions) | 7.1470% | 1,977 |
| Cash dividends to net income (ytd only)* | 57.3284% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0823% | 329 |
| Loan loss allowance to noncurrent loans | 902.1779% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 2,780 |
| Noncurrent loans to loans | 0.2308% | 2,391 |
| Net loans and leases to total assets | 48.1000% | 3,721 |
| Net loans and leases to deposits | 55.4122% | 3,737 |
| Net loans and leases to core deposits | 65.5321% | 3,515 |
| Total domestic deposits to total assets | 86.8000% | 1,754 |
| Equity capital to assets | 7.2064% | 3,858 |
| Core capital (leverage) ratio | 10.4885% | 2,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $474,736,800 | 1,785 |
| Average earning assets | $447,144,200 | 1,758 |
| Average equity | $32,704,400 | 2,157 |
| Average total loans | $224,044,800 | 2,134 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 3,423.0000% | 9 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5,444.0000% | 33 |
| Cost of funding earning assets | 0.0000% | 4,547 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 1.3991% | 1,307 |
| Pretax return on assets | 1.4508% | 1,672 |
| Return on Equity (ROE) | 20.5500% | 669 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0037% | 2,368 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 1,292 |
| Efficiency ratio | 2.7796% | 4,597 |
| Assets per employee ($millions) | 0.0022% | 4,604 |
| Cash dividends to net income (ytd only)* | 2.1330% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2,584.0000% | 3 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | 0.0000% | 4,499 |
| Net loans and leases to core deposits | 0.0107% | 4,483 |
| Total domestic deposits to total assets | 52.0000% | 4,492 |
| Equity capital to assets | 1,087.0000% | 42 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $567,000 | 4,631 |
| Average earning assets | $11,658 | 4,583 |
| Average equity | $191 | 4,565 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 3,480.0000% | 37 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5,044.0000% | 35 |
| Cost of funding earning assets | 0.0000% | 4,571 |
| Net interest margin | 0.0000% | 4,613 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 1.5511% | 1,014 |
| Pretax return on assets | 1.6097% | 1,392 |
| Return on Equity (ROE) | 22.4800% | 513 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0030% | 2,228 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 1,297 |
| Efficiency ratio | 1.8435% | 4,623 |
| Assets per employee ($millions) | 0.0033% | 4,628 |
| Cash dividends to net income (ytd only)* | 2.1076% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2,470.0000% | 6 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.0000% | 464 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | 0.0000% | 4,532 |
| Net loans and leases to core deposits | 0.0102% | 4,522 |
| Total domestic deposits to total assets | 50.0000% | 4,525 |
| Equity capital to assets | 1,087.0000% | 42 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $365,000 | 4,660 |
| Average earning assets | $12,198 | 4,607 |
| Average equity | $197 | 4,593 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8530% | 1,500 |
| Cost of funding earning assets | 0.6858% | 3,096 |
| Net interest margin | 4.1671% | 998 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.3070% | 2,793 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.9734% | 510 |
| Return on assets (ROA) | 1.9776% | 500 |
| Pretax return on assets | 2.0554% | 706 |
| Return on Equity (ROE) | 28.2400% | 280 |
| Retained earnings to average equity (ytd only) | 15.4582% | 742 |
| Net charge-offs to loans | -0.0248% | 4,163 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.1627% | 3,763 |
| Assets per employee ($millions) | 6.3188% | 2,485 |
| Cash dividends to net income (ytd only)* | 45.2558% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4444% | 231 |
| Loan loss allowance to noncurrent loans | 410.8534% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.2649% | 1,816 |
| Noncurrent loans to loans | 0.5949% | 1,251 |
| Net loans and leases to total assets | 42.9100% | 3,915 |
| Net loans and leases to deposits | 47.8970% | 3,963 |
| Net loans and leases to core deposits | 51.1436% | 3,948 |
| Total domestic deposits to total assets | 89.5800% | 1,306 |
| Equity capital to assets | 7.2818% | 3,684 |
| Core capital (leverage) ratio | 10.7059% | 2,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $462,588,500 | 1,843 |
| Average earning assets | $435,693,500 | 1,817 |
| Average equity | $32,397,000 | 2,196 |
| Average total loans | $209,302,500 | 2,243 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8984% | 1,990 |
| Cost of funding earning assets | 0.4212% | 1,930 |
| Net interest margin | 3.4772% | 2,001 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.0961% | 3,302 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5661% | 749 |
| Return on assets (ROA) | 1.5671% | 711 |
| Pretax return on assets | 1.6254% | 1,097 |
| Return on Equity (ROE) | 20.0600% | 473 |
| Retained earnings to average equity (ytd only) | 7.1682% | 2,170 |
| Net charge-offs to loans | -0.0009% | 3,348 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.7335% | 3,604 |
| Assets per employee ($millions) | 6.3728% | 2,443 |
| Cash dividends to net income (ytd only)* | 64.2704% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2927% | 270 |
| Loan loss allowance to noncurrent loans | 563.3257% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.1920% | 2,216 |
| Noncurrent loans to loans | 0.4070% | 1,704 |
| Net loans and leases to total assets | 45.3100% | 3,833 |
| Net loans and leases to deposits | 49.8253% | 3,905 |
| Net loans and leases to core deposits | 53.4601% | 3,834 |
| Total domestic deposits to total assets | 90.9400% | 982 |
| Equity capital to assets | 6.7076% | 3,809 |
| Core capital (leverage) ratio | 10.3283% | 2,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $474,893,000 | 1,785 |
| Average earning assets | $448,007,000 | 1,765 |
| Average equity | $37,094,200 | 2,034 |
| Average total loans | $217,753,000 | 2,120 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7657% | 1,849 |
| Cost of funding earning assets | 0.3343% | 1,819 |
| Net interest margin | 3.4314% | 1,862 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.1087% | 3,188 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5300% | 782 |
| Return on assets (ROA) | 1.5313% | 759 |
| Pretax return on assets | 1.5880% | 1,148 |
| Return on Equity (ROE) | 18.9500% | 533 |
| Retained earnings to average equity (ytd only) | 6.8521% | 2,423 |
| Net charge-offs to loans | -0.0031% | 3,355 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.4064% | 3,585 |
| Assets per employee ($millions) | 6.5905% | 2,243 |
| Cash dividends to net income (ytd only)* | 63.8453% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2246% | 336 |
| Loan loss allowance to noncurrent loans | 403.4230% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.2654% | 1,893 |
| Noncurrent loans to loans | 0.5514% | 1,440 |
| Net loans and leases to total assets | 46.5000% | 3,729 |
| Net loans and leases to deposits | 50.8929% | 3,793 |
| Net loans and leases to core deposits | 58.2029% | 3,490 |
| Total domestic deposits to total assets | 91.3600% | 1,098 |
| Equity capital to assets | 5.7710% | 4,051 |
| Core capital (leverage) ratio | 9.9391% | 2,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $477,311,750 | 1,792 |
| Average earning assets | $451,080,000 | 1,765 |
| Average equity | $38,566,500 | 2,002 |
| Average total loans | $218,258,750 | 2,120 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5756% | 1,916 |
| Cost of funding earning assets | 0.2651% | 2,089 |
| Net interest margin | 3.3105% | 1,876 |
| Noninterest income to average assets | 0.4933% | 2,240 |
| Noninterest expense to average assets | 2.1401% | 3,029 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4333% | 827 |
| Return on assets (ROA) | 1.4349% | 808 |
| Pretax return on assets | 1.4849% | 1,215 |
| Return on Equity (ROE) | 16.2515% | 666 |
| Retained earnings to average equity (ytd only) | 5.2427% | 2,615 |
| Net charge-offs to loans | -0.0018% | 3,120 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3984% | 3,503 |
| Assets per employee ($millions) | 6.7201% | 2,155 |
| Cash dividends to net income (ytd only)* | 67.7401% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2374% | 359 |
| Loan loss allowance to noncurrent loans | 404.4154% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.2552% | 2,040 |
| Noncurrent loans to loans | 0.5533% | 1,509 |
| Net loans and leases to total assets | 44.6649% | 3,781 |
| Net loans and leases to deposits | 51.1601% | 3,749 |
| Net loans and leases to core deposits | 58.4169% | 3,396 |
| Total domestic deposits to total assets | 87.3041% | 2,824 |
| Equity capital to assets | 6.8598% | 3,840 |
| Core capital (leverage) ratio | 10.2214% | 2,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $480,440,667 | 1,792 |
| Average earning assets | $454,248,667 | 1,770 |
| Average equity | $42,420,667 | 1,916 |
| Average total loans | $216,840,333 | 2,132 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4227% | 2,024 |
| Cost of funding earning assets | 0.2549% | 2,103 |
| Net interest margin | 3.1679% | 1,977 |
| Noninterest income to average assets | 0.3417% | 3,047 |
| Noninterest expense to average assets | 2.2167% | 2,795 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0888% | 1,554 |
| Return on assets (ROA) | 1.0912% | 1,548 |
| Pretax return on assets | 1.1288% | 2,052 |
| Return on Equity (ROE) | 11.1065% | 1,580 |
| Retained earnings to average equity (ytd only) | 1.1566% | 3,788 |
| Net charge-offs to loans | -0.0056% | 3,371 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5836% | 2,820 |
| Assets per employee ($millions) | 6.3158% | 2,540 |
| Cash dividends to net income (ytd only)* | 89.5865% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4626% | 297 |
| Loan loss allowance to noncurrent loans | 255.6589% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.4085% | 1,483 |
| Noncurrent loans to loans | 0.9632% | 941 |
| Net loans and leases to total assets | 41.3645% | 3,928 |
| Net loans and leases to deposits | 48.1692% | 3,858 |
| Net loans and leases to core deposits | 50.4774% | 3,846 |
| Total domestic deposits to total assets | 85.8733% | 3,305 |
| Equity capital to assets | 8.7336% | 2,944 |
| Core capital (leverage) ratio | 10.0785% | 2,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $478,736,000 | 1,801 |
| Average earning assets | $453,556,500 | 1,776 |
| Average equity | $47,035,500 | 1,814 |
| Average total loans | $214,732,000 | 2,143 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8148% | 1,836 |
| Cost of funding earning assets | 0.3061% | 2,347 |
| Net interest margin | 3.5087% | 1,707 |
| Noninterest income to average assets | 0.3435% | 3,359 |
| Noninterest expense to average assets | 2.1011% | 3,386 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5012% | 1,012 |
| Return on assets (ROA) | 1.5103% | 1,031 |
| Pretax return on assets | 1.5647% | 1,524 |
| Return on Equity (ROE) | 12.5880% | 1,611 |
| Retained earnings to average equity (ytd only) | -4.8090% | 4,705 |
| Net charge-offs to loans | 0.1250% | 728 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 26.1603% | 1,705 |
| Efficiency ratio | 56.7989% | 3,601 |
| Assets per employee ($millions) | 6.8139% | 2,054 |
| Cash dividends to net income (ytd only)* | 138.2030% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1629% | 475 |
| Loan loss allowance to noncurrent loans | 109.2838% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 0.9351% | 612 |
| Noncurrent loans to loans | 1.9792% | 397 |
| Net loans and leases to total assets | 46.2260% | 3,670 |
| Net loans and leases to deposits | 55.1759% | 3,498 |
| Net loans and leases to core deposits | 57.7367% | 3,496 |
| Total domestic deposits to total assets | 83.7794% | 3,617 |
| Equity capital to assets | 10.8935% | 1,863 |
| Core capital (leverage) ratio | 10.0448% | 2,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $482,700,200 | 1,739 |
| Average earning assets | $455,781,400 | 1,725 |
| Average equity | $57,912,400 | 1,563 |
| Average total loans | $229,538,600 | 2,051 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9237% | 1,698 |
| Cost of funding earning assets | 0.3153% | 2,452 |
| Net interest margin | 3.6084% | 1,582 |
| Noninterest income to average assets | 0.3267% | 3,473 |
| Noninterest expense to average assets | 2.0780% | 3,425 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6017% | 1,026 |
| Return on assets (ROA) | 1.6129% | 1,043 |
| Pretax return on assets | 1.6665% | 1,496 |
| Return on Equity (ROE) | 13.1404% | 1,656 |
| Retained earnings to average equity (ytd only) | 4.8207% | 3,285 |
| Net charge-offs to loans | 0.0807% | 863 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 43.0791% | 1,318 |
| Efficiency ratio | 55.0159% | 3,655 |
| Assets per employee ($millions) | 6.9019% | 1,935 |
| Cash dividends to net income (ytd only)* | 63.3139% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2427% | 425 |
| Loan loss allowance to noncurrent loans | 90.7180% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 1.1454% | 533 |
| Noncurrent loans to loans | 2.4721% | 301 |
| Net loans and leases to total assets | 45.2948% | 3,850 |
| Net loans and leases to deposits | 53.7523% | 3,760 |
| Net loans and leases to core deposits | 60.2224% | 3,456 |
| Total domestic deposits to total assets | 84.2658% | 3,383 |
| Equity capital to assets | 12.1602% | 1,328 |
| Core capital (leverage) ratio | 11.1009% | 1,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $482,428,750 | 1,759 |
| Average earning assets | $455,407,250 | 1,744 |
| Average equity | $59,215,250 | 1,550 |
| Average total loans | $229,778,500 | 2,091 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1048% | 1,338 |
| Cost of funding earning assets | 0.3224% | 2,564 |
| Net interest margin | 3.7824% | 1,167 |
| Noninterest income to average assets | 0.3322% | 3,436 |
| Noninterest expense to average assets | 2.1055% | 3,371 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7566% | 785 |
| Return on assets (ROA) | 1.7704% | 804 |
| Pretax return on assets | 1.8296% | 1,168 |
| Return on Equity (ROE) | 14.3779% | 1,311 |
| Retained earnings to average equity (ytd only) | 4.7148% | 3,297 |
| Net charge-offs to loans | 0.0364% | 1,273 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 103.7143% | 733 |
| Efficiency ratio | 53.0825% | 3,920 |
| Assets per employee ($millions) | 6.5147% | 2,160 |
| Cash dividends to net income (ytd only)* | 67.2081% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2979% | 358 |
| Loan loss allowance to noncurrent loans | 82.0136% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 1.3172% | 484 |
| Noncurrent loans to loans | 2.8019% | 271 |
| Net loans and leases to total assets | 45.7641% | 3,921 |
| Net loans and leases to deposits | 54.7377% | 3,814 |
| Net loans and leases to core deposits | 60.9740% | 3,545 |
| Total domestic deposits to total assets | 83.6062% | 3,543 |
| Equity capital to assets | 12.2639% | 1,237 |
| Core capital (leverage) ratio | 10.8727% | 1,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $479,893,667 | 1,760 |
| Average earning assets | $455,317,000 | 1,741 |
| Average equity | $59,090,667 | 1,544 |
| Average total loans | $230,687,333 | 2,094 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1808% | 1,233 |
| Cost of funding earning assets | 0.3335% | 2,675 |
| Net interest margin | 3.8472% | 1,062 |
| Noninterest income to average assets | 0.3576% | 3,297 |
| Noninterest expense to average assets | 2.1496% | 3,274 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8226% | 753 |
| Return on assets (ROA) | 1.8095% | 827 |
| Pretax return on assets | 1.8371% | 1,223 |
| Return on Equity (ROE) | 14.6662% | 1,285 |
| Retained earnings to average equity (ytd only) | 4.8481% | 3,275 |
| Net charge-offs to loans | -0.0292% | 4,159 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1328% | 3,894 |
| Assets per employee ($millions) | 6.4819% | 2,192 |
| Cash dividends to net income (ytd only)* | 66.9437% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3334% | 342 |
| Loan loss allowance to noncurrent loans | 77.9908% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 1.4467% | 459 |
| Noncurrent loans to loans | 2.9919% | 266 |
| Net loans and leases to total assets | 45.7954% | 3,972 |
| Net loans and leases to deposits | 53.0183% | 4,003 |
| Net loans and leases to core deposits | 58.7431% | 3,785 |
| Total domestic deposits to total assets | 86.3767% | 2,589 |
| Equity capital to assets | 12.1439% | 1,225 |
| Core capital (leverage) ratio | 10.9303% | 1,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $478,795,500 | 1,753 |
| Average earning assets | $453,313,000 | 1,733 |
| Average equity | $59,074,500 | 1,538 |
| Average total loans | $233,124,500 | 2,077 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3154% | 1,826 |
| Cost of funding earning assets | 0.5394% | 2,689 |
| Net interest margin | 3.7761% | 1,569 |
| Noninterest income to average assets | 0.3184% | 3,554 |
| Noninterest expense to average assets | 2.1568% | 3,798 |
| Loan and lease loss provision to assets | 0.1913% | 2,036 |
| Net operating income to assets | 1.4971% | 820 |
| Return on assets (ROA) | 1.5241% | 825 |
| Pretax return on assets | 1.5669% | 1,142 |
| Return on Equity (ROE) | 12.7333% | 1,111 |
| Retained earnings to average equity (ytd only) | 5.9404% | 1,822 |
| Net charge-offs to loans | 0.0462% | 2,142 |
| Credit loss provision to net charge-offs | 775.8621% | 927 |
| Earnings coverage of net charge-offs (x) | 70.1724% | 976 |
| Efficiency ratio | 54.8452% | 4,110 |
| Assets per employee ($millions) | 6.3725% | 2,026 |
| Cash dividends to net income (ytd only)* | 53.3473% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1675% | 436 |
| Loan loss allowance to noncurrent loans | 83.4024% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 1.3642% | 577 |
| Noncurrent loans to loans | 2.5988% | 381 |
| Net loans and leases to total assets | 49.4020% | 3,871 |
| Net loans and leases to deposits | 57.7941% | 3,904 |
| Net loans and leases to core deposits | 67.9552% | 3,416 |
| Total domestic deposits to total assets | 85.4794% | 2,582 |
| Equity capital to assets | 12.5331% | 1,303 |
| Core capital (leverage) ratio | 10.7563% | 1,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $470,427,000 | 1,637 |
| Average earning assets | $444,589,000 | 1,608 |
| Average equity | $56,309,200 | 1,521 |
| Average total loans | $250,944,800 | 1,915 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4468% | 1,709 |
| Cost of funding earning assets | 0.5866% | 2,694 |
| Net interest margin | 3.8602% | 1,444 |
| Noninterest income to average assets | 0.3105% | 3,633 |
| Noninterest expense to average assets | 2.1794% | 3,729 |
| Loan and lease loss provision to assets | 0.2561% | 1,585 |
| Net operating income to assets | 1.4896% | 930 |
| Return on assets (ROA) | 1.5150% | 957 |
| Pretax return on assets | 1.5526% | 1,318 |
| Return on Equity (ROE) | 12.8105% | 1,170 |
| Retained earnings to average equity (ytd only) | 6.0732% | 2,078 |
| Net charge-offs to loans | 0.0479% | 1,926 |
| Credit loss provision to net charge-offs | 989.0110% | 831 |
| Earnings coverage of net charge-offs (x) | 68.8462% | 1,009 |
| Efficiency ratio | 54.3737% | 4,107 |
| Assets per employee ($millions) | 6.5568% | 1,785 |
| Cash dividends to net income (ytd only)* | 52.5920% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0112% | 487 |
| Loan loss allowance to noncurrent loans | 85.0073% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 1.3574% | 672 |
| Noncurrent loans to loans | 2.3659% | 465 |
| Net loans and leases to total assets | 53.5008% | 3,844 |
| Net loans and leases to deposits | 62.9754% | 3,862 |
| Net loans and leases to core deposits | 79.5761% | 2,880 |
| Total domestic deposits to total assets | 84.9551% | 2,453 |
| Equity capital to assets | 12.2495% | 1,549 |
| Core capital (leverage) ratio | 10.3363% | 2,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $468,550,250 | 1,627 |
| Average earning assets | $443,246,250 | 1,598 |
| Average equity | $55,411,500 | 1,534 |
| Average total loans | $253,346,000 | 1,901 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2759% | 2,534 |
| Cost of funding earning assets | 0.6652% | 2,588 |
| Net interest margin | 3.6107% | 2,449 |
| Noninterest income to average assets | 0.2597% | 3,920 |
| Noninterest expense to average assets | 2.2477% | 3,660 |
| Loan and lease loss provision to assets | 0.2580% | 1,639 |
| Net operating income to assets | 1.1552% | 1,783 |
| Return on assets (ROA) | 1.1552% | 1,917 |
| Pretax return on assets | 1.1707% | 2,462 |
| Return on Equity (ROE) | 9.8899% | 2,018 |
| Retained earnings to average equity (ytd only) | 3.0071% | 3,389 |
| Net charge-offs to loans | 0.1284% | 1,070 |
| Credit loss provision to net charge-offs | 372.6708% | 1,467 |
| Earnings coverage of net charge-offs (x) | 20.6398% | 1,679 |
| Efficiency ratio | 60.4608% | 3,348 |
| Assets per employee ($millions) | 6.3786% | 1,878 |
| Cash dividends to net income (ytd only)* | 69.5943% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8607% | 577 |
| Loan loss allowance to noncurrent loans | 93.8352% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 1.1273% | 1,005 |
| Noncurrent loans to loans | 1.9830% | 688 |
| Net loans and leases to total assets | 52.4682% | 3,997 |
| Net loans and leases to deposits | 62.6148% | 3,971 |
| Net loans and leases to core deposits | 77.9101% | 3,117 |
| Total domestic deposits to total assets | 83.7951% | 2,819 |
| Equity capital to assets | 11.6346% | 1,886 |
| Core capital (leverage) ratio | 10.2659% | 2,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $465,184,667 | 1,607 |
| Average earning assets | $440,192,667 | 1,577 |
| Average equity | $54,338,000 | 1,546 |
| Average total loans | $250,682,667 | 1,897 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4112% | 2,581 |
| Cost of funding earning assets | 0.7989% | 2,402 |
| Net interest margin | 3.6123% | 2,624 |
| Noninterest income to average assets | 0.3308% | 3,547 |
| Noninterest expense to average assets | 2.3609% | 3,624 |
| Loan and lease loss provision to assets | 0.2654% | 1,176 |
| Net operating income to assets | 1.1367% | 1,734 |
| Return on assets (ROA) | 1.1367% | 1,839 |
| Pretax return on assets | 1.1084% | 2,490 |
| Return on Equity (ROE) | 9.7100% | 1,836 |
| Retained earnings to average equity (ytd only) | 2.6070% | 3,221 |
| Net charge-offs to loans | 0.1160% | 1,009 |
| Credit loss provision to net charge-offs | 422.5352% | 967 |
| Earnings coverage of net charge-offs (x) | 21.8732% | 1,378 |
| Efficiency ratio | 62.5296% | 3,433 |
| Assets per employee ($millions) | 5.8003% | 1,840 |
| Cash dividends to net income (ytd only)* | 73.1518% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9299% | 576 |
| Loan loss allowance to noncurrent loans | 72.2832% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 1.5028% | 710 |
| Noncurrent loans to loans | 2.6699% | 430 |
| Net loans and leases to total assets | 52.5211% | 4,090 |
| Net loans and leases to deposits | 67.1663% | 3,780 |
| Net loans and leases to core deposits | 78.6272% | 3,304 |
| Total domestic deposits to total assets | 78.1956% | 4,183 |
| Equity capital to assets | 11.6734% | 2,308 |
| Core capital (leverage) ratio | 10.6173% | 2,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $452,199,500 | 1,602 |
| Average earning assets | $426,099,000 | 1,574 |
| Average equity | $52,935,000 | 1,576 |
| Average total loans | $244,731,000 | 1,900 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5856% | 2,668 |
| Cost of funding earning assets | 1.0023% | 1,712 |
| Net interest margin | 3.5833% | 3,192 |
| Noninterest income to average assets | 0.4258% | 3,132 |
| Noninterest expense to average assets | 2.1743% | 4,215 |
| Loan and lease loss provision to assets | 0.2705% | 663 |
| Net operating income to assets | 1.3166% | 1,629 |
| Return on assets (ROA) | 1.3166% | 1,708 |
| Pretax return on assets | 1.3550% | 2,312 |
| Return on Equity (ROE) | 11.5151% | 1,687 |
| Retained earnings to average equity (ytd only) | 2.8802% | 3,596 |
| Net charge-offs to loans | 0.5426% | 342 |
| Credit loss provision to net charge-offs | 89.4855% | 2,657 |
| Earnings coverage of net charge-offs (x) | 5.3773% | 3,095 |
| Efficiency ratio | 56.5284% | 4,144 |
| Assets per employee ($millions) | 5.7946% | 1,796 |
| Cash dividends to net income (ytd only)* | 74.9872% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7992% | 662 |
| Loan loss allowance to noncurrent loans | 78.3612% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 1.2627% | 888 |
| Noncurrent loans to loans | 2.2960% | 521 |
| Net loans and leases to total assets | 53.7023% | 4,094 |
| Net loans and leases to deposits | 65.3783% | 3,987 |
| Net loans and leases to core deposits | 80.4861% | 3,257 |
| Total domestic deposits to total assets | 82.1409% | 3,469 |
| Equity capital to assets | 11.7389% | 2,323 |
| Core capital (leverage) ratio | 10.6069% | 2,853 |
| Tier 1 risk-based capital ratio | 15.0578% | 2,759 |
| Total risk-based capital ratio | 16.3101% | 2,689 |
| Memoranda: | ||
| Average total assets | $443,630,200 | 1,583 |
| Average earning assets | $417,720,000 | 1,556 |
| Average equity | $50,724,800 | 1,575 |
| Average total loans | $247,137,400 | 1,840 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5907% | 2,756 |
| Cost of funding earning assets | 1.0262% | 1,651 |
| Net interest margin | 3.5645% | 3,355 |
| Noninterest income to average assets | 0.4077% | 3,265 |
| Noninterest expense to average assets | 2.1654% | 4,242 |
| Loan and lease loss provision to assets | 0.2718% | 573 |
| Net operating income to assets | 1.2954% | 1,877 |
| Return on assets (ROA) | 1.2954% | 1,965 |
| Pretax return on assets | 1.3311% | 2,562 |
| Return on Equity (ROE) | 11.4074% | 1,836 |
| Retained earnings to average equity (ytd only) | 2.8585% | 3,948 |
| Net charge-offs to loans | 0.6825% | 232 |
| Credit loss provision to net charge-offs | 71.1462% | 2,604 |
| Earnings coverage of net charge-offs (x) | 4.1961% | 3,034 |
| Efficiency ratio | 56.7594% | 4,089 |
| Assets per employee ($millions) | 5.8483% | 1,719 |
| Cash dividends to net income (ytd only)* | 74.9417% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6537% | 895 |
| Loan loss allowance to noncurrent loans | 84.6802% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 1.1360% | 1,145 |
| Noncurrent loans to loans | 1.9528% | 697 |
| Net loans and leases to total assets | 56.5054% | 4,014 |
| Net loans and leases to deposits | 69.0855% | 3,836 |
| Net loans and leases to core deposits | 87.5458% | 2,776 |
| Total domestic deposits to total assets | 81.7905% | 3,534 |
| Equity capital to assets | 11.8387% | 2,385 |
| Core capital (leverage) ratio | 10.5405% | 3,073 |
| Tier 1 risk-based capital ratio | 14.7767% | 2,963 |
| Total risk-based capital ratio | 16.0279% | 2,889 |
| Memoranda: | ||
| Average total assets | $441,543,500 | 1,590 |
| Average earning assets | $416,277,000 | 1,567 |
| Average equity | $50,141,750 | 1,598 |
| Average total loans | $247,129,500 | 1,853 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5852% | 2,723 |
| Cost of funding earning assets | 1.0203% | 1,598 |
| Net interest margin | 3.5649% | 3,381 |
| Noninterest income to average assets | 0.4481% | 2,969 |
| Noninterest expense to average assets | 2.1736% | 4,287 |
| Loan and lease loss provision to assets | 0.2724% | 552 |
| Net operating income to assets | 1.3355% | 1,633 |
| Return on assets (ROA) | 1.3355% | 1,698 |
| Pretax return on assets | 1.3601% | 2,346 |
| Return on Equity (ROE) | 11.9312% | 1,602 |
| Retained earnings to average equity (ytd only) | 3.2322% | 3,610 |
| Net charge-offs to loans | 1.0304% | 137 |
| Credit loss provision to net charge-offs | 47.6569% | 2,486 |
| Earnings coverage of net charge-offs (x) | 2.8562% | 2,900 |
| Efficiency ratio | 56.4170% | 4,200 |
| Assets per employee ($millions) | 6.0470% | 1,510 |
| Cash dividends to net income (ytd only)* | 72.9096% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6363% | 952 |
| Loan loss allowance to noncurrent loans | 103.0422% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.8778% | 1,598 |
| Noncurrent loans to loans | 1.5880% | 964 |
| Net loans and leases to total assets | 53.5038% | 4,245 |
| Net loans and leases to deposits | 68.3935% | 3,945 |
| Net loans and leases to core deposits | 80.9577% | 3,344 |
| Total domestic deposits to total assets | 78.2294% | 4,348 |
| Equity capital to assets | 11.7552% | 2,378 |
| Core capital (leverage) ratio | 10.5214% | 3,064 |
| Tier 1 risk-based capital ratio | 15.3577% | 2,676 |
| Total risk-based capital ratio | 16.6087% | 2,611 |
| Memoranda: | ||
| Average total assets | $440,569,000 | 1,594 |
| Average earning assets | $414,989,330 | 1,571 |
| Average equity | $49,316,000 | 1,615 |
| Average total loans | $244,382,330 | 1,874 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6061% | 2,513 |
| Cost of funding earning assets | 1.0276% | 1,453 |
| Net interest margin | 3.5786% | 3,335 |
| Noninterest income to average assets | 0.3381% | 3,598 |
| Noninterest expense to average assets | 2.2020% | 4,252 |
| Loan and lease loss provision to assets | 0.2726% | 504 |
| Net operating income to assets | 1.2260% | 1,964 |
| Return on assets (ROA) | 1.2260% | 2,010 |
| Pretax return on assets | 1.2278% | 2,705 |
| Return on Equity (ROE) | 11.2350% | 1,852 |
| Retained earnings to average equity (ytd only) | 2.1987% | 4,011 |
| Net charge-offs to loans | 0.0162% | 2,146 |
| Credit loss provision to net charge-offs | 3,000.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 165.1000% | 466 |
| Efficiency ratio | 58.7629% | 3,985 |
| Assets per employee ($millions) | 5.7726% | 1,727 |
| Cash dividends to net income (ytd only)* | 80.4299% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0426% | 460 |
| Loan loss allowance to noncurrent loans | 65.3012% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 1.7397% | 629 |
| Noncurrent loans to loans | 3.1279% | 334 |
| Net loans and leases to total assets | 54.0345% | 4,207 |
| Net loans and leases to deposits | 66.5608% | 4,011 |
| Net loans and leases to core deposits | 80.9690% | 3,277 |
| Total domestic deposits to total assets | 81.1806% | 3,934 |
| Equity capital to assets | 11.2627% | 2,594 |
| Core capital (leverage) ratio | 10.3799% | 3,183 |
| Tier 1 risk-based capital ratio | 15.0389% | 2,878 |
| Total risk-based capital ratio | 16.2935% | 2,789 |
| Memoranda: | ||
| Average total assets | $440,138,500 | 1,598 |
| Average earning assets | $413,795,000 | 1,578 |
| Average equity | $48,028,500 | 1,641 |
| Average total loans | $246,518,000 | 1,881 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5476% | 2,306 |
| Cost of funding earning assets | 0.8691% | 1,226 |
| Net interest margin | 3.6785% | 3,124 |
| Noninterest income to average assets | 0.3805% | 3,552 |
| Noninterest expense to average assets | 2.1828% | 4,377 |
| Loan and lease loss provision to assets | 0.2356% | 757 |
| Net operating income to assets | 1.3507% | 1,615 |
| Return on assets (ROA) | 1.3507% | 1,599 |
| Pretax return on assets | 1.4100% | 2,097 |
| Return on Equity (ROE) | 12.7654% | 1,438 |
| Retained earnings to average equity (ytd only) | 4.8509% | 2,859 |
| Net charge-offs to loans | 0.1068% | 1,680 |
| Credit loss provision to net charge-offs | 396.8992% | 829 |
| Earnings coverage of net charge-offs (x) | 27.7248% | 1,679 |
| Efficiency ratio | 56.4029% | 4,357 |
| Assets per employee ($millions) | 6.0451% | 1,488 |
| Cash dividends to net income (ytd only)* | 61.9997% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8047% | 675 |
| Loan loss allowance to noncurrent loans | 67.3616% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 1.5541% | 743 |
| Noncurrent loans to loans | 2.6792% | 429 |
| Net loans and leases to total assets | 55.8043% | 4,150 |
| Net loans and leases to deposits | 67.8016% | 3,995 |
| Net loans and leases to core deposits | 84.0048% | 3,093 |
| Total domestic deposits to total assets | 82.3052% | 3,553 |
| Equity capital to assets | 10.5728% | 3,105 |
| Core capital (leverage) ratio | 10.2040% | 3,352 |
| Tier 1 risk-based capital ratio | 14.2920% | 3,170 |
| Total risk-based capital ratio | 15.5445% | 3,085 |
| Memoranda: | ||
| Average total assets | $434,665,800 | 1,579 |
| Average earning assets | $407,425,800 | 1,560 |
| Average equity | $45,991,600 | 1,632 |
| Average total loans | $241,530,800 | 1,871 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4989% | 2,307 |
| Cost of funding earning assets | 0.8093% | 1,292 |
| Net interest margin | 3.6896% | 3,060 |
| Noninterest income to average assets | 0.3662% | 3,675 |
| Noninterest expense to average assets | 2.2081% | 4,305 |
| Loan and lease loss provision to assets | 0.2237% | 734 |
| Net operating income to assets | 1.3500% | 1,663 |
| Return on assets (ROA) | 1.3500% | 1,680 |
| Pretax return on assets | 1.3970% | 2,239 |
| Return on Equity (ROE) | 12.7562% | 1,521 |
| Retained earnings to average equity (ytd only) | 5.0190% | 3,223 |
| Net charge-offs to loans | 0.1342% | 1,203 |
| Credit loss provision to net charge-offs | 301.6667% | 1,018 |
| Earnings coverage of net charge-offs (x) | 21.8543% | 1,903 |
| Efficiency ratio | 56.9930% | 4,255 |
| Assets per employee ($millions) | 5.8139% | 1,632 |
| Cash dividends to net income (ytd only)* | 60.6547% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7445% | 805 |
| Loan loss allowance to noncurrent loans | 72.4794% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 1.3916% | 960 |
| Noncurrent loans to loans | 2.4068% | 556 |
| Net loans and leases to total assets | 55.6211% | 4,244 |
| Net loans and leases to deposits | 69.6695% | 3,945 |
| Net loans and leases to core deposits | 85.6928% | 3,024 |
| Total domestic deposits to total assets | 79.8357% | 4,152 |
| Equity capital to assets | 10.3375% | 3,297 |
| Core capital (leverage) ratio | 10.1810% | 3,429 |
| Tier 1 risk-based capital ratio | 14.4549% | 3,150 |
| Total risk-based capital ratio | 15.7068% | 3,065 |
| Memoranda: | ||
| Average total assets | $431,498,500 | 1,601 |
| Average earning assets | $404,945,000 | 1,581 |
| Average equity | $45,665,500 | 1,645 |
| Average total loans | $238,358,500 | 1,900 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4377% | 2,296 |
| Cost of funding earning assets | 0.7510% | 1,364 |
| Net interest margin | 3.6867% | 2,983 |
| Noninterest income to average assets | 0.3730% | 3,663 |
| Noninterest expense to average assets | 2.2694% | 4,214 |
| Loan and lease loss provision to assets | 0.1995% | 863 |
| Net operating income to assets | 1.3117% | 1,726 |
| Return on assets (ROA) | 1.3117% | 1,724 |
| Pretax return on assets | 1.3610% | 2,292 |
| Return on Equity (ROE) | 12.2978% | 1,621 |
| Retained earnings to average equity (ytd only) | 4.5790% | 3,303 |
| Net charge-offs to loans | 0.0841% | 1,491 |
| Credit loss provision to net charge-offs | 433.3333% | 774 |
| Earnings coverage of net charge-offs (x) | 33.8889% | 1,410 |
| Efficiency ratio | 58.5499% | 4,146 |
| Assets per employee ($millions) | 5.7530% | 1,682 |
| Cash dividends to net income (ytd only)* | 62.7660% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7162% | 878 |
| Loan loss allowance to noncurrent loans | 67.7546% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 1.4306% | 950 |
| Noncurrent loans to loans | 2.5330% | 510 |
| Net loans and leases to total assets | 54.3814% | 4,305 |
| Net loans and leases to deposits | 66.4333% | 4,147 |
| Net loans and leases to core deposits | 83.1885% | 3,150 |
| Total domestic deposits to total assets | 81.8587% | 3,768 |
| Equity capital to assets | 10.4163% | 3,194 |
| Core capital (leverage) ratio | 10.1396% | 3,440 |
| Tier 1 risk-based capital ratio | 14.3543% | 3,178 |
| Total risk-based capital ratio | 15.6058% | 3,099 |
| Memoranda: | ||
| Average total assets | $429,983,670 | 1,611 |
| Average earning assets | $403,178,330 | 1,599 |
| Average equity | $45,862,000 | 1,638 |
| Average total loans | $235,532,000 | 1,915 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4379% | 2,063 |
| Cost of funding earning assets | 0.6638% | 1,637 |
| Net interest margin | 3.7741% | 2,525 |
| Noninterest income to average assets | 0.3809% | 3,587 |
| Noninterest expense to average assets | 2.4177% | 3,899 |
| Loan and lease loss provision to assets | 0.1267% | 1,487 |
| Net operating income to assets | 1.3191% | 1,578 |
| Return on assets (ROA) | 1.3191% | 1,584 |
| Pretax return on assets | 1.3679% | 2,113 |
| Return on Equity (ROE) | 12.2204% | 1,501 |
| Retained earnings to average equity (ytd only) | 4.4849% | 3,405 |
| Net charge-offs to loans | 0.0103% | 2,377 |
| Credit loss provision to net charge-offs | 2,250.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 265.5000% | 256 |
| Efficiency ratio | 61.1031% | 3,931 |
| Assets per employee ($millions) | 5.5909% | 1,854 |
| Cash dividends to net income (ytd only)* | 63.3001% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7362% | 888 |
| Loan loss allowance to noncurrent loans | 103.7008% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 1.0666% | 1,462 |
| Noncurrent loans to loans | 1.6742% | 1,023 |
| Net loans and leases to total assets | 52.6285% | 4,392 |
| Net loans and leases to deposits | 66.7976% | 4,034 |
| Net loans and leases to core deposits | 76.4211% | 3,633 |
| Total domestic deposits to total assets | 78.7880% | 4,608 |
| Equity capital to assets | 10.6523% | 2,921 |
| Core capital (leverage) ratio | 10.2407% | 3,254 |
| Tier 1 risk-based capital ratio | 14.8057% | 2,979 |
| Total risk-based capital ratio | 16.0570% | 2,902 |
| Memoranda: | ||
| Average total assets | $426,360,500 | 1,631 |
| Average earning assets | $398,928,500 | 1,617 |
| Average equity | $46,021,500 | 1,645 |
| Average total loans | $232,336,000 | 1,946 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3803% | 2,082 |
| Cost of funding earning assets | 0.6582% | 1,257 |
| Net interest margin | 3.7220% | 2,712 |
| Noninterest income to average assets | 0.3425% | 4,015 |
| Noninterest expense to average assets | 2.1992% | 4,530 |
| Loan and lease loss provision to assets | 0.1863% | 1,140 |
| Net operating income to assets | 1.4020% | 1,012 |
| Return on assets (ROA) | 1.4566% | 899 |
| Pretax return on assets | 1.4970% | 1,655 |
| Return on Equity (ROE) | 13.3331% | 877 |
| Retained earnings to average equity (ytd only) | 2.4673% | 3,856 |
| Net charge-offs to loans | 0.6156% | 372 |
| Credit loss provision to net charge-offs | 55.5245% | 3,269 |
| Earnings coverage of net charge-offs (x) | 4.8497% | 3,405 |
| Efficiency ratio | 56.1776% | 4,754 |
| Assets per employee ($millions) | 5.7042% | 1,748 |
| Cash dividends to net income (ytd only)* | 81.4946% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6120% | 1,112 |
| Loan loss allowance to noncurrent loans | 97.5747% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.0741% | 1,421 |
| Noncurrent loans to loans | 1.6520% | 997 |
| Net loans and leases to total assets | 54.5276% | 4,312 |
| Net loans and leases to deposits | 71.2493% | 3,769 |
| Net loans and leases to core deposits | 81.4675% | 3,287 |
| Total domestic deposits to total assets | 76.5308% | 4,918 |
| Equity capital to assets | 10.9348% | 2,696 |
| Core capital (leverage) ratio | 10.1294% | 3,271 |
| Tier 1 risk-based capital ratio | 14.1818% | 3,269 |
| Total risk-based capital ratio | 15.4321% | 3,165 |
| Memoranda: | ||
| Average total assets | $426,254,000 | 1,618 |
| Average earning assets | $398,949,600 | 1,598 |
| Average equity | $46,568,400 | 1,618 |
| Average total loans | $232,300,400 | 1,923 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3600% | 2,077 |
| Cost of funding earning assets | 0.6561% | 1,199 |
| Net interest margin | 3.7040% | 2,744 |
| Noninterest income to average assets | 0.3212% | 4,237 |
| Noninterest expense to average assets | 2.2091% | 4,505 |
| Loan and lease loss provision to assets | 0.2314% | 786 |
| Net operating income to assets | 1.3199% | 1,273 |
| Return on assets (ROA) | 1.4248% | 1,064 |
| Pretax return on assets | 1.4612% | 1,912 |
| Return on Equity (ROE) | 13.0449% | 1,050 |
| Retained earnings to average equity (ytd only) | 1.9233% | 4,666 |
| Net charge-offs to loans | 0.2198% | 988 |
| Credit loss provision to net charge-offs | 193.9633% | 1,373 |
| Earnings coverage of net charge-offs (x) | 13.2913% | 2,360 |
| Efficiency ratio | 56.7409% | 4,643 |
| Assets per employee ($millions) | 5.5815% | 1,845 |
| Cash dividends to net income (ytd only)* | 85.2559% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0366% | 540 |
| Loan loss allowance to noncurrent loans | 86.8061% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 1.4663% | 1,043 |
| Noncurrent loans to loans | 2.3461% | 671 |
| Net loans and leases to total assets | 54.6113% | 4,363 |
| Net loans and leases to deposits | 71.4721% | 3,828 |
| Net loans and leases to core deposits | 77.2614% | 3,705 |
| Total domestic deposits to total assets | 76.4093% | 4,970 |
| Equity capital to assets | 11.1922% | 2,682 |
| Core capital (leverage) ratio | 9.9754% | 3,596 |
| Tier 1 risk-based capital ratio | 14.1899% | 3,358 |
| Total risk-based capital ratio | 15.4445% | 3,258 |
| Memoranda: | ||
| Average total assets | $425,863,500 | 1,628 |
| Average earning assets | $399,346,000 | 1,612 |
| Average equity | $46,515,250 | 1,636 |
| Average total loans | $231,100,500 | 1,938 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3135% | 2,081 |
| Cost of funding earning assets | 0.6311% | 1,256 |
| Net interest margin | 3.6824% | 2,711 |
| Noninterest income to average assets | 0.3776% | 3,851 |
| Noninterest expense to average assets | 2.2264% | 4,511 |
| Loan and lease loss provision to assets | 0.2158% | 824 |
| Net operating income to assets | 1.3498% | 1,178 |
| Return on assets (ROA) | 1.5074% | 876 |
| Pretax return on assets | 1.5445% | 1,510 |
| Return on Equity (ROE) | 13.9150% | 823 |
| Retained earnings to average equity (ytd only) | 1.7708% | 4,541 |
| Net charge-offs to loans | 0.2957% | 687 |
| Credit loss provision to net charge-offs | 135.6932% | 1,628 |
| Earnings coverage of net charge-offs (x) | 10.0590% | 2,374 |
| Efficiency ratio | 56.7365% | 4,740 |
| Assets per employee ($millions) | 5.5814% | 1,801 |
| Cash dividends to net income (ytd only)* | 87.2744% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9651% | 639 |
| Loan loss allowance to noncurrent loans | 100.2628% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 1.2560% | 1,335 |
| Noncurrent loans to loans | 1.9600% | 866 |
| Net loans and leases to total assets | 53.1532% | 4,473 |
| Net loans and leases to deposits | 71.7157% | 3,766 |
| Net loans and leases to core deposits | 76.6623% | 3,712 |
| Total domestic deposits to total assets | 74.1166% | 5,283 |
| Equity capital to assets | 11.0555% | 2,744 |
| Core capital (leverage) ratio | 9.9287% | 3,618 |
| Tier 1 risk-based capital ratio | 14.1630% | 3,331 |
| Total risk-based capital ratio | 15.4167% | 3,250 |
| Memoranda: | ||
| Average total assets | $426,419,330 | 1,629 |
| Average earning assets | $399,306,670 | 1,615 |
| Average equity | $46,194,670 | 1,642 |
| Average total loans | $229,309,000 | 1,947 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2234% | 2,195 |
| Cost of funding earning assets | 0.6133% | 1,280 |
| Net interest margin | 3.6102% | 2,854 |
| Noninterest income to average assets | 0.3852% | 3,773 |
| Noninterest expense to average assets | 2.2630% | 4,496 |
| Loan and lease loss provision to assets | 0.1705% | 1,035 |
| Net operating income to assets | 1.3043% | 1,227 |
| Return on assets (ROA) | 1.5802% | 723 |
| Pretax return on assets | 1.6151% | 1,196 |
| Return on Equity (ROE) | 14.7401% | 682 |
| Retained earnings to average equity (ytd only) | 4.6381% | 3,095 |
| Net charge-offs to loans | 0.0862% | 1,485 |
| Credit loss provision to net charge-offs | 369.3878% | 689 |
| Earnings coverage of net charge-offs (x) | 32.5918% | 1,168 |
| Efficiency ratio | 58.5750% | 4,652 |
| Assets per employee ($millions) | 5.4090% | 1,975 |
| Cash dividends to net income (ytd only)* | 68.5340% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0832% | 574 |
| Loan loss allowance to noncurrent loans | 78.2342% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 1.5607% | 1,008 |
| Noncurrent loans to loans | 2.6628% | 569 |
| Net loans and leases to total assets | 51.8008% | 4,534 |
| Net loans and leases to deposits | 68.4353% | 3,952 |
| Net loans and leases to core deposits | 75.8314% | 3,668 |
| Total domestic deposits to total assets | 75.6931% | 5,261 |
| Equity capital to assets | 11.0346% | 2,595 |
| Core capital (leverage) ratio | 10.1411% | 3,325 |
| Tier 1 risk-based capital ratio | 14.6965% | 3,117 |
| Total risk-based capital ratio | 15.9509% | 3,039 |
| Memoranda: | ||
| Average total assets | $424,744,500 | 1,648 |
| Average earning assets | $397,874,500 | 1,629 |
| Average equity | $45,535,500 | 1,665 |
| Average total loans | $227,456,000 | 1,971 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3445% | 1,997 |
| Cost of funding earning assets | 0.5956% | 1,369 |
| Net interest margin | 3.7489% | 2,513 |
| Noninterest income to average assets | 0.3565% | 4,189 |
| Noninterest expense to average assets | 2.3414% | 4,447 |
| Loan and lease loss provision to assets | 0.2375% | 904 |
| Net operating income to assets | 1.2522% | 1,350 |
| Return on assets (ROA) | 1.2704% | 1,372 |
| Pretax return on assets | 1.2909% | 2,311 |
| Return on Equity (ROE) | 11.4133% | 1,431 |
| Retained earnings to average equity (ytd only) | 4.2399% | 2,887 |
| Net charge-offs to loans | 0.0976% | 2,319 |
| Credit loss provision to net charge-offs | 441.5929% | 726 |
| Earnings coverage of net charge-offs (x) | 28.0708% | 1,487 |
| Efficiency ratio | 58.7134% | 4,757 |
| Assets per employee ($millions) | 5.4810% | 1,879 |
| Cash dividends to net income (ytd only)* | 62.8513% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9004% | 803 |
| Loan loss allowance to noncurrent loans | 609.8495% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.3150% | 4,014 |
| Noncurrent loans to loans | 0.3116% | 4,026 |
| Net loans and leases to total assets | 53.1454% | 4,512 |
| Net loans and leases to deposits | 69.3999% | 3,972 |
| Net loans and leases to core deposits | 79.1157% | 3,466 |
| Total domestic deposits to total assets | 76.5785% | 5,172 |
| Equity capital to assets | 10.4187% | 3,249 |
| Core capital (leverage) ratio | 9.8985% | 3,626 |
| Tier 1 risk-based capital ratio | 13.9017% | 3,517 |
| Total risk-based capital ratio | 15.1550% | 3,432 |
| Memoranda: | ||
| Average total assets | $420,180,800 | 1,616 |
| Average earning assets | $391,692,600 | 1,602 |
| Average equity | $46,770,200 | 1,617 |
| Average total loans | $231,461,000 | 1,897 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3624% | 1,968 |
| Cost of funding earning assets | 0.5871% | 1,435 |
| Net interest margin | 3.7753% | 2,428 |
| Noninterest income to average assets | 0.3495% | 4,286 |
| Noninterest expense to average assets | 2.3860% | 4,319 |
| Loan and lease loss provision to assets | 0.2347% | 834 |
| Net operating income to assets | 1.2380% | 1,496 |
| Return on assets (ROA) | 1.2611% | 1,518 |
| Pretax return on assets | 1.2704% | 2,537 |
| Return on Equity (ROE) | 11.1446% | 1,620 |
| Retained earnings to average equity (ytd only) | 4.0662% | 3,407 |
| Net charge-offs to loans | 0.1260% | 1,701 |
| Credit loss provision to net charge-offs | 336.6972% | 951 |
| Earnings coverage of net charge-offs (x) | 21.2568% | 1,827 |
| Efficiency ratio | 59.5486% | 4,605 |
| Assets per employee ($millions) | 5.4645% | 1,885 |
| Cash dividends to net income (ytd only)* | 63.5142% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7853% | 1,038 |
| Loan loss allowance to noncurrent loans | 670.1754% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.2947% | 4,241 |
| Noncurrent loans to loans | 0.2664% | 4,308 |
| Net loans and leases to total assets | 54.2338% | 4,478 |
| Net loans and leases to deposits | 72.9517% | 3,710 |
| Net loans and leases to core deposits | 84.0023% | 3,120 |
| Total domestic deposits to total assets | 74.3420% | 5,400 |
| Equity capital to assets | 11.1442% | 2,868 |
| Core capital (leverage) ratio | 10.1314% | 3,401 |
| Tier 1 risk-based capital ratio | 14.7998% | 3,144 |
| Total risk-based capital ratio | 16.0533% | 3,078 |
| Memoranda: | ||
| Average total assets | $416,976,250 | 1,626 |
| Average earning assets | $388,583,500 | 1,613 |
| Average equity | $47,184,500 | 1,608 |
| Average total loans | $230,682,000 | 1,905 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4030% | 1,821 |
| Cost of funding earning assets | 0.5735% | 1,514 |
| Net interest margin | 3.8295% | 2,211 |
| Noninterest income to average assets | 0.3383% | 4,357 |
| Noninterest expense to average assets | 2.3823% | 4,395 |
| Loan and lease loss provision to assets | 0.2266% | 910 |
| Net operating income to assets | 1.3071% | 1,254 |
| Return on assets (ROA) | 1.3424% | 1,253 |
| Pretax return on assets | 1.3332% | 2,270 |
| Return on Equity (ROE) | 11.8014% | 1,386 |
| Retained earnings to average equity (ytd only) | 4.7707% | 2,883 |
| Net charge-offs to loans | 0.1973% | 1,160 |
| Credit loss provision to net charge-offs | 207.5221% | 1,262 |
| Earnings coverage of net charge-offs (x) | 13.9602% | 2,088 |
| Efficiency ratio | 58.7260% | 4,806 |
| Assets per employee ($millions) | 5.2057% | 2,082 |
| Cash dividends to net income (ytd only)* | 59.5752% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7247% | 1,223 |
| Loan loss allowance to noncurrent loans | 607.2643% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.3151% | 4,236 |
| Noncurrent loans to loans | 0.2840% | 4,356 |
| Net loans and leases to total assets | 54.4391% | 4,468 |
| Net loans and leases to deposits | 72.6479% | 3,733 |
| Net loans and leases to core deposits | 80.5801% | 3,409 |
| Total domestic deposits to total assets | 74.9356% | 5,419 |
| Equity capital to assets | 11.6109% | 2,433 |
| Core capital (leverage) ratio | 10.1006% | 3,450 |
| Tier 1 risk-based capital ratio | 14.3351% | 3,414 |
| Total risk-based capital ratio | 15.5867% | 3,335 |
| Memoranda: | ||
| Average total assets | $413,892,000 | 1,634 |
| Average earning assets | $385,689,000 | 1,619 |
| Average equity | $47,079,330 | 1,611 |
| Average total loans | $229,122,000 | 1,920 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4928% | 1,529 |
| Cost of funding earning assets | 0.5647% | 1,584 |
| Net interest margin | 3.9281% | 1,850 |
| Noninterest income to average assets | 0.3314% | 4,361 |
| Noninterest expense to average assets | 2.3323% | 4,569 |
| Loan and lease loss provision to assets | 0.1975% | 995 |
| Net operating income to assets | 1.3896% | 1,059 |
| Return on assets (ROA) | 1.4450% | 997 |
| Pretax return on assets | 1.5115% | 1,546 |
| Return on Equity (ROE) | 12.8359% | 1,071 |
| Retained earnings to average equity (ytd only) | 9.1990% | 1,050 |
| Net charge-offs to loans | -0.0035% | 4,205 |
| Credit loss provision to net charge-offs | -10,250.0000% | 5,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6626% | 5,133 |
| Assets per employee ($millions) | 5.1171% | 2,220 |
| Cash dividends to net income (ytd only)* | 28.3333% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7386% | 1,268 |
| Loan loss allowance to noncurrent loans | 1,046.5054% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.2560% | 4,537 |
| Noncurrent loans to loans | 0.1661% | 4,831 |
| Net loans and leases to total assets | 54.4277% | 4,409 |
| Net loans and leases to deposits | 70.9410% | 3,761 |
| Net loans and leases to core deposits | 76.2779% | 3,654 |
| Total domestic deposits to total assets | 76.7224% | 5,331 |
| Equity capital to assets | 11.6445% | 2,293 |
| Core capital (leverage) ratio | 10.1297% | 3,390 |
| Tier 1 risk-based capital ratio | 14.1659% | 3,590 |
| Total risk-based capital ratio | 15.4174% | 3,516 |
| Memoranda: | ||
| Average total assets | $415,212,000 | 1,634 |
| Average earning assets | $386,037,500 | 1,623 |
| Average equity | $46,744,000 | 1,608 |
| Average total loans | $229,777,500 | 1,919 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4925% | 1,622 |
| Cost of funding earning assets | 0.5840% | 1,472 |
| Net interest margin | 3.9085% | 2,000 |
| Noninterest income to average assets | 0.3579% | 4,345 |
| Noninterest expense to average assets | 2.3972% | 4,524 |
| Loan and lease loss provision to assets | 0.2472% | 773 |
| Net operating income to assets | 1.2690% | 1,343 |
| Return on assets (ROA) | 1.2690% | 1,394 |
| Pretax return on assets | 1.3622% | 2,062 |
| Return on Equity (ROE) | 11.5525% | 1,423 |
| Retained earnings to average equity (ytd only) | 3.0047% | 3,921 |
| Net charge-offs to loans | 0.0245% | 3,761 |
| Credit loss provision to net charge-offs | 1,911.5385% | 181 |
| Earnings coverage of net charge-offs (x) | 124.4423% | 490 |
| Efficiency ratio | 58.0607% | 5,136 |
| Assets per employee ($millions) | 5.0735% | 2,277 |
| Cash dividends to net income (ytd only)* | 73.9906% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5643% | 1,737 |
| Loan loss allowance to noncurrent loans | 1,390.9434% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.2027% | 4,780 |
| Noncurrent loans to loans | 0.1125% | 5,052 |
| Net loans and leases to total assets | 54.4266% | 4,462 |
| Net loans and leases to deposits | 71.6792% | 3,754 |
| Net loans and leases to core deposits | 76.8640% | 3,676 |
| Total domestic deposits to total assets | 75.9308% | 5,450 |
| Equity capital to assets | 10.8911% | 2,945 |
| Core capital (leverage) ratio | 9.5194% | 4,147 |
| Tier 1 risk-based capital ratio | 13.2526% | 4,135 |
| Total risk-based capital ratio | 14.4885% | 4,082 |
| Memoranda: | ||
| Average total assets | $402,057,600 | 1,641 |
| Average earning assets | $375,335,400 | 1,621 |
| Average equity | $44,163,600 | 1,667 |
| Average total loans | $212,455,000 | 1,979 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4815% | 1,655 |
| Cost of funding earning assets | 0.5816% | 1,528 |
| Net interest margin | 3.8999% | 2,032 |
| Noninterest income to average assets | 0.3663% | 4,311 |
| Noninterest expense to average assets | 2.4099% | 4,485 |
| Loan and lease loss provision to assets | 0.2656% | 620 |
| Net operating income to assets | 1.2467% | 1,502 |
| Return on assets (ROA) | 1.2467% | 1,554 |
| Pretax return on assets | 1.3433% | 2,235 |
| Return on Equity (ROE) | 11.3237% | 1,593 |
| Retained earnings to average equity (ytd only) | 2.2262% | 4,768 |
| Net charge-offs to loans | 0.0297% | 3,342 |
| Credit loss provision to net charge-offs | 1,715.2174% | 215 |
| Earnings coverage of net charge-offs (x) | 103.8943% | 601 |
| Efficiency ratio | 58.0129% | 5,119 |
| Assets per employee ($millions) | 5.6000% | 1,686 |
| Cash dividends to net income (ytd only)* | 80.3403% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4880% | 2,209 |
| Loan loss allowance to noncurrent loans | 889.5408% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.2352% | 4,819 |
| Noncurrent loans to loans | 0.1673% | 4,983 |
| Net loans and leases to total assets | 53.5391% | 4,612 |
| Net loans and leases to deposits | 72.9389% | 3,655 |
| Net loans and leases to core deposits | 81.6332% | 3,294 |
| Total domestic deposits to total assets | 73.4027% | 5,758 |
| Equity capital to assets | 10.6732% | 3,388 |
| Core capital (leverage) ratio | 9.3205% | 4,557 |
| Tier 1 risk-based capital ratio | 12.4991% | 4,761 |
| Total risk-based capital ratio | 13.6194% | 4,750 |
| Memoranda: | ||
| Average total assets | $396,029,000 | 1,680 |
| Average earning assets | $370,908,250 | 1,648 |
| Average equity | $43,600,750 | 1,696 |
| Average total loans | $206,659,500 | 2,028 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5521% | 1,400 |
| Cost of funding earning assets | 0.5838% | 1,535 |
| Net interest margin | 3.9683% | 1,741 |
| Noninterest income to average assets | 0.3809% | 4,226 |
| Noninterest expense to average assets | 2.5095% | 4,215 |
| Loan and lease loss provision to assets | 0.2519% | 696 |
| Net operating income to assets | 1.2204% | 1,539 |
| Return on assets (ROA) | 1.2204% | 1,620 |
| Pretax return on assets | 1.3375% | 2,218 |
| Return on Equity (ROE) | 10.9597% | 1,696 |
| Retained earnings to average equity (ytd only) | 0.7945% | 5,242 |
| Net charge-offs to loans | 0.0527% | 2,666 |
| Credit loss provision to net charge-offs | 930.7692% | 385 |
| Earnings coverage of net charge-offs (x) | 58.7308% | 852 |
| Efficiency ratio | 59.2433% | 5,083 |
| Assets per employee ($millions) | 5.9057% | 1,428 |
| Cash dividends to net income (ytd only)* | 92.7505% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4259% | 2,637 |
| Loan loss allowance to noncurrent loans | 347.4836% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.3612% | 4,451 |
| Noncurrent loans to loans | 0.4103% | 4,249 |
| Net loans and leases to total assets | 51.6378% | 4,787 |
| Net loans and leases to deposits | 70.5328% | 3,869 |
| Net loans and leases to core deposits | 75.9029% | 3,782 |
| Total domestic deposits to total assets | 73.2110% | 5,850 |
| Equity capital to assets | 10.6595% | 3,262 |
| Core capital (leverage) ratio | 9.0154% | 4,949 |
| Tier 1 risk-based capital ratio | 12.2575% | 4,965 |
| Total risk-based capital ratio | 13.2976% | 5,014 |
| Memoranda: | ||
| Average total assets | $384,305,000 | 1,731 |
| Average earning assets | $360,051,330 | 1,705 |
| Average equity | $42,793,330 | 1,729 |
| Average total loans | $197,430,000 | 2,102 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7752% | 901 |
| Cost of funding earning assets | 0.6281% | 1,242 |
| Net interest margin | 4.1471% | 1,169 |
| Noninterest income to average assets | 0.3639% | 4,299 |
| Noninterest expense to average assets | 2.6186% | 3,867 |
| Loan and lease loss provision to assets | 0.2528% | 646 |
| Net operating income to assets | 1.3225% | 1,201 |
| Return on assets (ROA) | 1.3225% | 1,283 |
| Pretax return on assets | 1.3830% | 1,948 |
| Return on Equity (ROE) | 11.5875% | 1,454 |
| Retained earnings to average equity (ytd only) | 1.7145% | 4,790 |
| Net charge-offs to loans | 0.1342% | 1,443 |
| Credit loss provision to net charge-offs | 370.9677% | 705 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,309 |
| Efficiency ratio | 59.5349% | 5,153 |
| Assets per employee ($millions) | 5.9498% | 1,428 |
| Cash dividends to net income (ytd only)* | 85.2037% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4199% | 2,830 |
| Loan loss allowance to noncurrent loans | 918.6120% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.2319% | 5,004 |
| Noncurrent loans to loans | 0.1546% | 5,223 |
| Net loans and leases to total assets | 48.5405% | 4,979 |
| Net loans and leases to deposits | 63.0716% | 4,475 |
| Net loans and leases to core deposits | 67.7486% | 4,354 |
| Total domestic deposits to total assets | 76.9610% | 5,616 |
| Equity capital to assets | 11.2397% | 2,709 |
| Core capital (leverage) ratio | 9.2355% | 4,667 |
| Tier 1 risk-based capital ratio | 13.0604% | 4,570 |
| Total risk-based capital ratio | 14.0754% | 4,632 |
| Memoranda: | ||
| Average total assets | $363,853,500 | 1,826 |
| Average earning assets | $341,347,000 | 1,795 |
| Average equity | $41,527,500 | 1,776 |
| Average total loans | $184,773,000 | 2,233 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4522% | 2,060 |
| Cost of funding earning assets | 0.7005% | 1,107 |
| Net interest margin | 3.7516% | 2,805 |
| Noninterest income to average assets | 0.2082% | 5,618 |
| Noninterest expense to average assets | 2.1468% | 5,461 |
| Loan and lease loss provision to assets | 0.0641% | 3,230 |
| Net operating income to assets | 1.4536% | 972 |
| Return on assets (ROA) | 1.4585% | 997 |
| Pretax return on assets | 1.5238% | 1,457 |
| Return on Equity (ROE) | 13.3602% | 1,067 |
| Retained earnings to average equity (ytd only) | 4.2510% | 3,162 |
| Net charge-offs to loans | 0.1590% | 2,445 |
| Credit loss provision to net charge-offs | 80.3213% | 2,855 |
| Earnings coverage of net charge-offs (x) | 19.8474% | 1,752 |
| Efficiency ratio | 56.0326% | 5,661 |
| Assets per employee ($millions) | 5.6585% | 1,643 |
| Cash dividends to net income (ytd only)* | 68.1818% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6684% | 1,870 |
| Loan loss allowance to noncurrent loans | 1,039.3939% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.2860% | 4,890 |
| Noncurrent loans to loans | 0.1605% | 5,252 |
| Net loans and leases to total assets | 51.9649% | 4,789 |
| Net loans and leases to deposits | 68.5518% | 4,072 |
| Net loans and leases to core deposits | 75.0993% | 3,813 |
| Total domestic deposits to total assets | 75.8038% | 5,760 |
| Equity capital to assets | 11.6455% | 2,305 |
| Core capital (leverage) ratio | 9.5358% | 4,194 |
| Tier 1 risk-based capital ratio | 14.6764% | 3,674 |
| Total risk-based capital ratio | 15.9282% | 3,600 |
| Memoranda: | ||
| Average total assets | $312,236,800 | 2,080 |
| Average earning assets | $293,071,400 | 2,047 |
| Average equity | $34,086,200 | 2,044 |
| Average total loans | $156,575,200 | 2,475 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4530% | 2,042 |
| Cost of funding earning assets | 0.6958% | 1,169 |
| Net interest margin | 3.7572% | 2,784 |
| Noninterest income to average assets | 0.2057% | 5,699 |
| Noninterest expense to average assets | 2.1321% | 5,502 |
| Loan and lease loss provision to assets | 0.0533% | 3,308 |
| Net operating income to assets | 1.4819% | 973 |
| Return on assets (ROA) | 1.4848% | 996 |
| Pretax return on assets | 1.5505% | 1,480 |
| Return on Equity (ROE) | 13.8310% | 1,019 |
| Retained earnings to average equity (ytd only) | 4.8885% | 3,163 |
| Net charge-offs to loans | 0.2035% | 1,844 |
| Credit loss provision to net charge-offs | 52.9661% | 3,059 |
| Earnings coverage of net charge-offs (x) | 15.8982% | 2,024 |
| Efficiency ratio | 55.5949% | 5,692 |
| Assets per employee ($millions) | 5.5516% | 1,682 |
| Cash dividends to net income (ytd only)* | 64.6553% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6792% | 2,037 |
| Loan loss allowance to noncurrent loans | 519.7674% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.3522% | 4,865 |
| Noncurrent loans to loans | 0.3231% | 4,942 |
| Net loans and leases to total assets | 50.5132% | 4,949 |
| Net loans and leases to deposits | 68.8313% | 4,040 |
| Net loans and leases to core deposits | 77.1460% | 3,622 |
| Total domestic deposits to total assets | 73.3870% | 6,067 |
| Equity capital to assets | 11.4530% | 2,530 |
| Core capital (leverage) ratio | 9.4357% | 4,456 |
| Tier 1 risk-based capital ratio | 14.8113% | 3,698 |
| Total risk-based capital ratio | 16.0630% | 3,632 |
| Memoranda: | ||
| Average total assets | $312,491,500 | 2,090 |
| Average earning assets | $293,368,000 | 2,054 |
| Average equity | $33,547,000 | 2,079 |
| Average total loans | $154,602,000 | 2,506 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4404% | 2,035 |
| Cost of funding earning assets | 0.6925% | 1,226 |
| Net interest margin | 3.7479% | 2,769 |
| Noninterest income to average assets | 0.2032% | 5,742 |
| Noninterest expense to average assets | 2.1059% | 5,614 |
| Loan and lease loss provision to assets | 0.0319% | 3,645 |
| Net operating income to assets | 1.5087% | 855 |
| Return on assets (ROA) | 1.5130% | 889 |
| Pretax return on assets | 1.5794% | 1,310 |
| Return on Equity (ROE) | 14.4124% | 888 |
| Retained earnings to average equity (ytd only) | 5.2829% | 2,777 |
| Net charge-offs to loans | 0.0118% | 4,014 |
| Credit loss provision to net charge-offs | 555.5556% | 541 |
| Earnings coverage of net charge-offs (x) | 279.4444% | 243 |
| Efficiency ratio | 55.1884% | 5,817 |
| Assets per employee ($millions) | 5.6923% | 1,529 |
| Cash dividends to net income (ytd only)* | 63.3446% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7747% | 1,907 |
| Loan loss allowance to noncurrent loans | 244.0999% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.3642% | 4,933 |
| Noncurrent loans to loans | 0.7270% | 3,880 |
| Net loans and leases to total assets | 49.2062% | 5,051 |
| Net loans and leases to deposits | 67.1654% | 4,148 |
| Net loans and leases to core deposits | 76.1180% | 3,619 |
| Total domestic deposits to total assets | 73.2612% | 6,169 |
| Equity capital to assets | 10.9082% | 2,970 |
| Core capital (leverage) ratio | 9.2450% | 4,674 |
| Tier 1 risk-based capital ratio | 14.4798% | 3,942 |
| Total risk-based capital ratio | 15.7322% | 3,883 |
| Memoranda: | ||
| Average total assets | $313,025,670 | 2,088 |
| Average earning assets | $293,128,000 | 2,051 |
| Average equity | $32,860,670 | 2,107 |
| Average total loans | $152,895,330 | 2,531 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4640% | 1,922 |
| Cost of funding earning assets | 0.7103% | 1,190 |
| Net interest margin | 3.7537% | 2,662 |
| Noninterest income to average assets | 0.1844% | 5,858 |
| Noninterest expense to average assets | 2.1048% | 5,672 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5325% | 764 |
| Return on assets (ROA) | 1.5412% | 779 |
| Pretax return on assets | 1.6057% | 1,159 |
| Return on Equity (ROE) | 14.9820% | 773 |
| Retained earnings to average equity (ytd only) | 4.9522% | 3,140 |
| Net charge-offs to loans | 0.0241% | 3,084 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 137.5556% | 360 |
| Efficiency ratio | 55.3310% | 5,894 |
| Assets per employee ($millions) | 5.5354% | 1,673 |
| Cash dividends to net income (ytd only)* | 66.9456% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8627% | 1,861 |
| Loan loss allowance to noncurrent loans | 238.7650% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.3981% | 4,947 |
| Noncurrent loans to loans | 0.7801% | 3,909 |
| Net loans and leases to total assets | 47.3179% | 5,205 |
| Net loans and leases to deposits | 62.9248% | 4,437 |
| Net loans and leases to core deposits | 68.3755% | 4,272 |
| Total domestic deposits to total assets | 75.1976% | 6,140 |
| Equity capital to assets | 10.5609% | 3,191 |
| Core capital (leverage) ratio | 9.1192% | 4,837 |
| Tier 1 risk-based capital ratio | 14.8773% | 3,774 |
| Total risk-based capital ratio | 16.1293% | 3,730 |
| Memoranda: | ||
| Average total assets | $310,154,000 | 2,110 |
| Average earning assets | $290,590,000 | 2,079 |
| Average equity | $31,905,000 | 2,162 |
| Average total loans | $149,499,000 | 2,593 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1401% | 3,581 |
| Cost of funding earning assets | 0.7180% | 1,692 |
| Net interest margin | 3.4221% | 4,195 |
| Noninterest income to average assets | 0.1674% | 6,080 |
| Noninterest expense to average assets | 1.9455% | 6,114 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3809% | 1,068 |
| Return on assets (ROA) | 1.3812% | 1,103 |
| Pretax return on assets | 1.4374% | 1,661 |
| Return on Equity (ROE) | 13.4186% | 1,085 |
| Retained earnings to average equity (ytd only) | 5.5926% | 2,224 |
| Net charge-offs to loans | -0.0245% | 6,179 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8630% | 5,964 |
| Assets per employee ($millions) | 5.6423% | 1,522 |
| Cash dividends to net income (ytd only)* | 58.3220% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8678% | 1,859 |
| Loan loss allowance to noncurrent loans | 282.4065% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.3509% | 5,211 |
| Noncurrent loans to loans | 0.6614% | 4,318 |
| Net loans and leases to total assets | 47.2870% | 5,366 |
| Net loans and leases to deposits | 60.8278% | 4,856 |
| Net loans and leases to core deposits | 65.5180% | 4,735 |
| Total domestic deposits to total assets | 77.7392% | 5,860 |
| Equity capital to assets | 10.0130% | 3,751 |
| Core capital (leverage) ratio | 8.8438% | 5,220 |
| Tier 1 risk-based capital ratio | 14.9250% | 3,714 |
| Total risk-based capital ratio | 16.1783% | 3,659 |
| Memoranda: | ||
| Average total assets | $318,429,400 | 2,019 |
| Average earning assets | $299,168,800 | 1,988 |
| Average equity | $32,775,400 | 2,098 |
| Average total loans | $143,019,000 | 2,657 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0684% | 3,869 |
| Cost of funding earning assets | 0.7172% | 1,830 |
| Net interest margin | 3.3513% | 4,460 |
| Noninterest income to average assets | 0.1910% | 6,040 |
| Noninterest expense to average assets | 1.9018% | 6,184 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3867% | 1,133 |
| Return on assets (ROA) | 1.3867% | 1,181 |
| Pretax return on assets | 1.4408% | 1,795 |
| Return on Equity (ROE) | 13.3848% | 1,141 |
| Retained earnings to average equity (ytd only) | 5.7346% | 2,575 |
| Net charge-offs to loans | -0.0651% | 6,386 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2402% | 6,001 |
| Assets per employee ($millions) | 5.8402% | 1,349 |
| Cash dividends to net income (ytd only)* | 57.1558% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9252% | 1,924 |
| Loan loss allowance to noncurrent loans | 263.2216% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.3735% | 5,290 |
| Noncurrent loans to loans | 0.7314% | 4,390 |
| Net loans and leases to total assets | 45.6653% | 5,581 |
| Net loans and leases to deposits | 63.3325% | 4,588 |
| Net loans and leases to core deposits | 67.5556% | 4,568 |
| Total domestic deposits to total assets | 72.1040% | 6,487 |
| Equity capital to assets | 9.9042% | 4,045 |
| Core capital (leverage) ratio | 8.5553% | 5,714 |
| Tier 1 risk-based capital ratio | 14.7258% | 3,929 |
| Total risk-based capital ratio | 15.9796% | 3,894 |
| Memoranda: | ||
| Average total assets | $320,455,250 | 2,013 |
| Average earning assets | $301,369,250 | 1,975 |
| Average equity | $33,201,000 | 2,099 |
| Average total loans | $141,389,500 | 2,691 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9589% | 4,269 |
| Cost of funding earning assets | 0.7184% | 1,931 |
| Net interest margin | 3.2406% | 4,803 |
| Noninterest income to average assets | 0.1875% | 6,087 |
| Noninterest expense to average assets | 1.8196% | 6,345 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3714% | 1,137 |
| Return on assets (ROA) | 1.3714% | 1,220 |
| Pretax return on assets | 1.4205% | 1,860 |
| Return on Equity (ROE) | 13.0493% | 1,235 |
| Retained earnings to average equity (ytd only) | 5.5174% | 2,727 |
| Net charge-offs to loans | -0.1046% | 6,510 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4549% | 6,110 |
| Assets per employee ($millions) | 6.0753% | 1,147 |
| Cash dividends to net income (ytd only)* | 57.7184% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9010% | 2,111 |
| Loan loss allowance to noncurrent loans | 259.2491% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.3566% | 5,420 |
| Noncurrent loans to loans | 0.7333% | 4,459 |
| Net loans and leases to total assets | 44.5314% | 5,696 |
| Net loans and leases to deposits | 63.1108% | 4,608 |
| Net loans and leases to core deposits | 66.8310% | 4,613 |
| Total domestic deposits to total assets | 70.5607% | 6,636 |
| Equity capital to assets | 9.6152% | 4,433 |
| Core capital (leverage) ratio | 8.2321% | 5,980 |
| Tier 1 risk-based capital ratio | 14.2685% | 4,246 |
| Total risk-based capital ratio | 15.5217% | 4,196 |
| Memoranda: | ||
| Average total assets | $322,150,000 | 2,015 |
| Average earning assets | $303,465,330 | 1,969 |
| Average equity | $33,856,330 | 2,057 |
| Average total loans | $139,572,000 | 2,728 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9651% | 4,247 |
| Cost of funding earning assets | 0.7579% | 1,785 |
| Net interest margin | 3.2072% | 4,908 |
| Noninterest income to average assets | 0.1729% | 6,222 |
| Noninterest expense to average assets | 1.7294% | 6,523 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4286% | 986 |
| Return on assets (ROA) | 1.4286% | 1,066 |
| Pretax return on assets | 1.4662% | 1,666 |
| Return on Equity (ROE) | 13.0239% | 1,162 |
| Retained earnings to average equity (ytd only) | 5.9979% | 2,677 |
| Net charge-offs to loans | -0.2787% | 6,756 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3529% | 6,358 |
| Assets per employee ($millions) | 5.7440% | 1,442 |
| Cash dividends to net income (ytd only)* | 53.9474% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1973% | 1,589 |
| Loan loss allowance to noncurrent loans | 227.6137% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.3895% | 5,421 |
| Noncurrent loans to loans | 0.9654% | 4,204 |
| Net loans and leases to total assets | 39.4648% | 6,039 |
| Net loans and leases to deposits | 52.9006% | 5,532 |
| Net loans and leases to core deposits | 55.7300% | 5,545 |
| Total domestic deposits to total assets | 74.6018% | 6,496 |
| Equity capital to assets | 10.8097% | 3,189 |
| Core capital (leverage) ratio | 8.3128% | 5,809 |
| Tier 1 risk-based capital ratio | 15.5284% | 3,512 |
| Total risk-based capital ratio | 16.7838% | 3,467 |
| Memoranda: | ||
| Average total assets | $319,192,500 | 2,050 |
| Average earning assets | $300,821,000 | 2,007 |
| Average equity | $35,012,500 | 2,015 |
| Average total loans | $134,896,500 | 2,805 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5113% | 3,350 |
| Cost of funding earning assets | 0.9896% | 1,414 |
| Net interest margin | 3.5217% | 4,412 |
| Noninterest income to average assets | 0.2119% | 5,905 |
| Noninterest expense to average assets | 1.9364% | 6,444 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.5268% | 870 |
| Return on assets (ROA) | 1.5268% | 963 |
| Pretax return on assets | 1.5857% | 1,424 |
| Return on Equity (ROE) | 13.6756% | 1,062 |
| Retained earnings to average equity (ytd only) | 5.9235% | 2,124 |
| Net charge-offs to loans | -0.0122% | 6,493 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3437% | 6,341 |
| Assets per employee ($millions) | 5.7586% | 1,465 |
| Cash dividends to net income (ytd only)* | 56.6857% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9700% | 2,102 |
| Loan loss allowance to noncurrent loans | 183.2558% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.4752% | 5,284 |
| Noncurrent loans to loans | 1.0750% | 4,053 |
| Net loans and leases to total assets | 43.3312% | 5,874 |
| Net loans and leases to deposits | 58.8594% | 5,146 |
| Net loans and leases to core deposits | 61.8740% | 5,168 |
| Total domestic deposits to total assets | 73.6181% | 6,567 |
| Equity capital to assets | 11.1309% | 2,805 |
| Core capital (leverage) ratio | 8.3974% | 5,761 |
| Tier 1 risk-based capital ratio | 14.2820% | 4,179 |
| Total risk-based capital ratio | 15.5357% | 4,132 |
| Memoranda: | ||
| Average total assets | $309,076,000 | 2,083 |
| Average earning assets | $290,515,400 | 2,040 |
| Average equity | $34,506,600 | 2,007 |
| Average total loans | $130,829,400 | 2,874 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5902% | 3,248 |
| Cost of funding earning assets | 1.0319% | 1,383 |
| Net interest margin | 3.5583% | 4,407 |
| Noninterest income to average assets | 0.2101% | 6,035 |
| Noninterest expense to average assets | 1.9260% | 6,477 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5752% | 904 |
| Return on assets (ROA) | 1.5752% | 1,002 |
| Pretax return on assets | 1.6325% | 1,472 |
| Return on Equity (ROE) | 14.0984% | 1,091 |
| Retained earnings to average equity (ytd only) | 6.3829% | 2,443 |
| Net charge-offs to loans | -0.0353% | 6,617 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5006% | 6,403 |
| Assets per employee ($millions) | 5.4743% | 1,664 |
| Cash dividends to net income (ytd only)* | 54.7257% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0784% | 1,957 |
| Loan loss allowance to noncurrent loans | 298.1740% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.3047% | 5,931 |
| Noncurrent loans to loans | 0.6970% | 5,042 |
| Net loans and leases to total assets | 42.6637% | 6,071 |
| Net loans and leases to deposits | 60.9858% | 5,086 |
| Net loans and leases to core deposits | 64.3033% | 5,120 |
| Total domestic deposits to total assets | 69.9567% | 6,845 |
| Equity capital to assets | 11.6719% | 2,567 |
| Core capital (leverage) ratio | 8.3685% | 5,926 |
| Tier 1 risk-based capital ratio | 14.5457% | 4,153 |
| Total risk-based capital ratio | 15.7999% | 4,116 |
| Memoranda: | ||
| Average total assets | $307,164,750 | 2,117 |
| Average earning assets | $289,043,500 | 2,068 |
| Average equity | $34,319,750 | 2,033 |
| Average total loans | $128,537,500 | 2,948 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6563% | 3,110 |
| Cost of funding earning assets | 1.0679% | 1,363 |
| Net interest margin | 3.5884% | 4,310 |
| Noninterest income to average assets | 0.2108% | 6,054 |
| Noninterest expense to average assets | 1.9150% | 6,571 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.6183% | 813 |
| Return on assets (ROA) | 1.6183% | 901 |
| Pretax return on assets | 1.6697% | 1,341 |
| Return on Equity (ROE) | 14.7018% | 985 |
| Retained earnings to average equity (ytd only) | 6.6858% | 2,281 |
| Net charge-offs to loans | -0.0394% | 6,602 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8243% | 6,516 |
| Assets per employee ($millions) | 5.3657% | 1,744 |
| Cash dividends to net income (ytd only)* | 54.5235% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1541% | 1,873 |
| Loan loss allowance to noncurrent loans | 496.7684% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.1844% | 6,328 |
| Noncurrent loans to loans | 0.4336% | 5,667 |
| Net loans and leases to total assets | 40.3851% | 6,314 |
| Net loans and leases to deposits | 57.6898% | 5,483 |
| Net loans and leases to core deposits | 60.8915% | 5,501 |
| Total domestic deposits to total assets | 70.0040% | 6,905 |
| Equity capital to assets | 11.2059% | 2,892 |
| Core capital (leverage) ratio | 8.0709% | 6,193 |
| Tier 1 risk-based capital ratio | 13.9571% | 4,475 |
| Total risk-based capital ratio | 15.2113% | 4,442 |
| Memoranda: | ||
| Average total assets | $307,367,000 | 2,110 |
| Average earning assets | $288,985,000 | 2,061 |
| Average equity | $33,832,670 | 2,048 |
| Average total loans | $126,861,670 | 2,985 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7983% | 2,648 |
| Cost of funding earning assets | 1.1239% | 1,279 |
| Net interest margin | 3.6744% | 3,942 |
| Noninterest income to average assets | 0.1860% | 6,267 |
| Noninterest expense to average assets | 1.8766% | 6,685 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7260% | 686 |
| Return on assets (ROA) | 1.7260% | 766 |
| Pretax return on assets | 1.7601% | 1,172 |
| Return on Equity (ROE) | 15.8261% | 830 |
| Retained earnings to average equity (ytd only) | 12.4520% | 759 |
| Net charge-offs to loans | -0.1809% | 6,972 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0540% | 6,673 |
| Assets per employee ($millions) | 5.4631% | 1,722 |
| Cash dividends to net income (ytd only)* | 21.3202% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3484% | 1,591 |
| Loan loss allowance to noncurrent loans | 239.2308% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.3854% | 5,913 |
| Noncurrent loans to loans | 0.9817% | 4,709 |
| Net loans and leases to total assets | 37.3758% | 6,533 |
| Net loans and leases to deposits | 52.7457% | 5,922 |
| Net loans and leases to core deposits | 56.2257% | 5,887 |
| Total domestic deposits to total assets | 70.8604% | 6,938 |
| Equity capital to assets | 10.8910% | 3,039 |
| Core capital (leverage) ratio | 8.1019% | 6,155 |
| Tier 1 risk-based capital ratio | 14.5140% | 4,095 |
| Total risk-based capital ratio | 15.7694% | 4,046 |
| Memoranda: | ||
| Average total assets | $305,445,000 | 2,128 |
| Average earning assets | $286,851,000 | 2,082 |
| Average equity | $33,312,000 | 2,076 |
| Average total loans | $126,067,500 | 3,021 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3068% | 1,677 |
| Cost of funding earning assets | 1.3719% | 1,157 |
| Net interest margin | 3.9348% | 3,184 |
| Noninterest income to average assets | 0.1760% | 6,231 |
| Noninterest expense to average assets | 1.9817% | 6,705 |
| Loan and lease loss provision to assets | 0.0174% | 6,346 |
| Net operating income to assets | 1.7970% | 457 |
| Return on assets (ROA) | 1.7970% | 498 |
| Pretax return on assets | 1.8737% | 703 |
| Return on Equity (ROE) | 17.1307% | 464 |
| Retained earnings to average equity (ytd only) | 6.8995% | 1,550 |
| Net charge-offs to loans | 0.2507% | 4,212 |
| Credit loss provision to net charge-offs | 15.0602% | 5,969 |
| Earnings coverage of net charge-offs (x) | 16.3464% | 1,335 |
| Efficiency ratio | 50.1530% | 6,825 |
| Assets per employee ($millions) | 5.4454% | 1,698 |
| Cash dividends to net income (ytd only)* | 59.7246% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0624% | 2,097 |
| Loan loss allowance to noncurrent loans | 565.3608% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.1720% | 6,520 |
| Noncurrent loans to loans | 0.3648% | 5,990 |
| Net loans and leases to total assets | 43.4757% | 6,255 |
| Net loans and leases to deposits | 61.4702% | 5,315 |
| Net loans and leases to core deposits | 65.6992% | 5,287 |
| Total domestic deposits to total assets | 70.7265% | 6,951 |
| Equity capital to assets | 10.9217% | 3,052 |
| Core capital (leverage) ratio | 8.0956% | 6,149 |
| Tier 1 risk-based capital ratio | 13.1533% | 4,957 |
| Total risk-based capital ratio | 14.4069% | 4,931 |
| Memoranda: | ||
| Average total assets | $286,974,600 | 2,220 |
| Average earning assets | $269,616,800 | 2,171 |
| Average equity | $30,103,800 | 2,191 |
| Average total loans | $132,445,200 | 2,945 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3474% | 1,683 |
| Cost of funding earning assets | 1.4101% | 1,192 |
| Net interest margin | 3.9372% | 3,197 |
| Noninterest income to average assets | 0.1808% | 6,297 |
| Noninterest expense to average assets | 1.8319% | 6,947 |
| Loan and lease loss provision to assets | 0.0235% | 6,153 |
| Net operating income to assets | 1.9489% | 383 |
| Return on assets (ROA) | 1.9489% | 420 |
| Pretax return on assets | 2.0292% | 590 |
| Return on Equity (ROE) | 18.7825% | 398 |
| Retained earnings to average equity (ytd only) | 8.3704% | 1,367 |
| Net charge-offs to loans | 0.2035% | 4,177 |
| Credit loss provision to net charge-offs | 24.7525% | 5,495 |
| Earnings coverage of net charge-offs (x) | 21.6334% | 1,178 |
| Efficiency ratio | 46.2878% | 7,044 |
| Assets per employee ($millions) | 5.3824% | 1,719 |
| Cash dividends to net income (ytd only)* | 55.4351% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1571% | 1,946 |
| Loan loss allowance to noncurrent loans | 432.5301% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.2351% | 6,473 |
| Noncurrent loans to loans | 0.4987% | 5,845 |
| Net loans and leases to total assets | 44.0057% | 6,333 |
| Net loans and leases to deposits | 64.9374% | 5,055 |
| Net loans and leases to core deposits | 69.2187% | 5,040 |
| Total domestic deposits to total assets | 67.7663% | 7,149 |
| Equity capital to assets | 11.3106% | 2,857 |
| Core capital (leverage) ratio | 8.1711% | 6,164 |
| Tier 1 risk-based capital ratio | 13.0882% | 5,030 |
| Total risk-based capital ratio | 14.3432% | 5,003 |
| Memoranda: | ||
| Average total assets | $283,844,250 | 2,247 |
| Average earning assets | $267,016,250 | 2,195 |
| Average equity | $29,452,250 | 2,230 |
| Average total loans | $132,319,000 | 2,970 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3763% | 1,633 |
| Cost of funding earning assets | 1.4543% | 1,182 |
| Net interest margin | 3.9220% | 3,209 |
| Noninterest income to average assets | 0.1751% | 6,408 |
| Noninterest expense to average assets | 1.8200% | 7,061 |
| Loan and lease loss provision to assets | 0.0357% | 5,869 |
| Net operating income to assets | 1.9358% | 380 |
| Return on assets (ROA) | 1.9358% | 399 |
| Pretax return on assets | 2.0130% | 576 |
| Return on Equity (ROE) | 19.2681% | 361 |
| Retained earnings to average equity (ytd only) | 8.1754% | 1,396 |
| Net charge-offs to loans | 0.1181% | 4,526 |
| Credit loss provision to net charge-offs | 64.1026% | 4,231 |
| Earnings coverage of net charge-offs (x) | 36.7436% | 793 |
| Efficiency ratio | 46.4893% | 7,137 |
| Assets per employee ($millions) | 4.9844% | 2,150 |
| Cash dividends to net income (ytd only)* | 57.5702% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3526% | 1,660 |
| Loan loss allowance to noncurrent loans | 173.8828% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.6304% | 5,658 |
| Noncurrent loans to loans | 1.3530% | 4,391 |
| Net loans and leases to total assets | 43.7686% | 6,453 |
| Net loans and leases to deposits | 62.5892% | 5,435 |
| Net loans and leases to core deposits | 65.2439% | 5,590 |
| Total domestic deposits to total assets | 69.9300% | 7,115 |
| Equity capital to assets | 10.6170% | 3,366 |
| Core capital (leverage) ratio | 7.9903% | 6,311 |
| Tier 1 risk-based capital ratio | 13.3347% | 4,661 |
| Total risk-based capital ratio | 14.5917% | 4,635 |
| Memoranda: | ||
| Average total assets | $279,781,670 | 2,295 |
| Average earning assets | $263,487,670 | 2,227 |
| Average equity | $28,108,670 | 2,304 |
| Average total loans | $132,044,330 | 3,003 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3564% | 1,707 |
| Cost of funding earning assets | 1.4721% | 1,286 |
| Net interest margin | 3.8843% | 3,223 |
| Noninterest income to average assets | 0.1441% | 6,690 |
| Noninterest expense to average assets | 1.7088% | 7,220 |
| Loan and lease loss provision to assets | 0.0720% | 5,104 |
| Net operating income to assets | 1.9350% | 384 |
| Return on assets (ROA) | 1.9350% | 403 |
| Pretax return on assets | 2.0244% | 537 |
| Return on Equity (ROE) | 19.8368% | 335 |
| Retained earnings to average equity (ytd only) | 15.6272% | 339 |
| Net charge-offs to loans | 0.1310% | 3,726 |
| Credit loss provision to net charge-offs | 113.6364% | 2,362 |
| Earnings coverage of net charge-offs (x) | 33.0682% | 781 |
| Efficiency ratio | 45.4752% | 7,226 |
| Assets per employee ($millions) | 5.2030% | 1,891 |
| Cash dividends to net income (ytd only)* | 21.2211% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3893% | 1,618 |
| Loan loss allowance to noncurrent loans | 218.7726% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.4990% | 5,977 |
| Noncurrent loans to loans | 1.0922% | 4,873 |
| Net loans and leases to total assets | 44.0574% | 6,466 |
| Net loans and leases to deposits | 62.0092% | 5,491 |
| Net loans and leases to core deposits | 64.6625% | 5,662 |
| Total domestic deposits to total assets | 71.0497% | 7,132 |
| Equity capital to assets | 9.8039% | 4,030 |
| Core capital (leverage) ratio | 7.9549% | 6,302 |
| Tier 1 risk-based capital ratio | 13.1479% | 4,711 |
| Total risk-based capital ratio | 14.4050% | 4,683 |
| Memoranda: | ||
| Average total assets | $277,617,500 | 2,324 |
| Average earning assets | $261,668,500 | 2,254 |
| Average equity | $27,081,000 | 2,370 |
| Average total loans | $134,393,000 | 2,995 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6383% | 1,775 |
| Cost of funding earning assets | 1.7115% | 1,548 |
| Net interest margin | 3.9269% | 3,363 |
| Noninterest income to average assets | 0.2288% | 6,167 |
| Noninterest expense to average assets | 2.0900% | 6,873 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.7315% | 485 |
| Return on assets (ROA) | 1.7315% | 530 |
| Pretax return on assets | 1.8207% | 729 |
| Return on Equity (ROE) | 17.5173% | 427 |
| Retained earnings to average equity (ytd only) | 8.6070% | 815 |
| Net charge-offs to loans | 0.1398% | 5,525 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 26.5000% | 820 |
| Efficiency ratio | 51.4812% | 7,027 |
| Assets per employee ($millions) | 5.1750% | 1,899 |
| Cash dividends to net income (ytd only)* | 50.8653% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1300% | 2,002 |
| Loan loss allowance to noncurrent loans | 184.3902% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.6041% | 5,814 |
| Noncurrent loans to loans | 1.1552% | 4,795 |
| Net loans and leases to total assets | 50.6603% | 6,089 |
| Net loans and leases to deposits | 71.3787% | 4,627 |
| Net loans and leases to core deposits | 75.2698% | 4,820 |
| Total domestic deposits to total assets | 70.9739% | 7,176 |
| Equity capital to assets | 9.7045% | 4,121 |
| Core capital (leverage) ratio | 7.7894% | 6,449 |
| Tier 1 risk-based capital ratio | 11.8803% | 5,589 |
| Total risk-based capital ratio | 13.1358% | 5,569 |
| Memoranda: | ||
| Average total assets | $273,636,000 | 2,331 |
| Average earning assets | $256,565,600 | 2,286 |
| Average equity | $27,047,600 | 2,374 |
| Average total loans | $134,470,400 | 3,044 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6275% | 1,957 |
| Cost of funding earning assets | 1.7466% | 1,641 |
| Net interest margin | 3.8809% | 3,606 |
| Noninterest income to average assets | 0.2730% | 5,929 |
| Noninterest expense to average assets | 1.9892% | 7,070 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.8239% | 470 |
| Return on assets (ROA) | 1.8239% | 517 |
| Pretax return on assets | 1.9204% | 739 |
| Return on Equity (ROE) | 18.3680% | 451 |
| Retained earnings to average equity (ytd only) | 13.9000% | 281 |
| Net charge-offs to loans | 0.0714% | 5,800 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 55.4814% | 524 |
| Efficiency ratio | 48.9213% | 7,217 |
| Assets per employee ($millions) | 5.3616% | 1,751 |
| Cash dividends to net income (ytd only)* | 24.3250% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2492% | 1,700 |
| Loan loss allowance to noncurrent loans | 130.4402% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.8913% | 5,319 |
| Noncurrent loans to loans | 1.7243% | 4,060 |
| Net loans and leases to total assets | 48.9636% | 6,440 |
| Net loans and leases to deposits | 72.1910% | 4,816 |
| Net loans and leases to core deposits | 76.8907% | 4,937 |
| Total domestic deposits to total assets | 67.8251% | 7,389 |
| Equity capital to assets | 10.5825% | 3,429 |
| Core capital (leverage) ratio | 7.9644% | 6,396 |
| Tier 1 risk-based capital ratio | 12.2339% | 5,237 |
| Total risk-based capital ratio | 13.4909% | 5,194 |
| Memoranda: | ||
| Average total assets | $273,476,500 | 2,360 |
| Average earning assets | $256,259,000 | 2,320 |
| Average equity | $27,155,250 | 2,396 |
| Average total loans | $132,595,000 | 3,129 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5689% | 2,253 |
| Cost of funding earning assets | 1.7884% | 1,691 |
| Net interest margin | 3.7805% | 3,987 |
| Noninterest income to average assets | 0.1803% | 6,619 |
| Noninterest expense to average assets | 1.9757% | 7,147 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.6489% | 646 |
| Return on assets (ROA) | 1.6489% | 693 |
| Pretax return on assets | 1.7446% | 970 |
| Return on Equity (ROE) | 16.9875% | 569 |
| Retained earnings to average equity (ytd only) | 12.5510% | 428 |
| Net charge-offs to loans | -0.1121% | 7,571 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0289% | 7,147 |
| Assets per employee ($millions) | 5.0391% | 2,135 |
| Cash dividends to net income (ytd only)* | 26.1161% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4657% | 1,345 |
| Loan loss allowance to noncurrent loans | 286.6492% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 6,267 |
| Noncurrent loans to loans | 0.8602% | 5,546 |
| Net loans and leases to total assets | 46.8851% | 6,715 |
| Net loans and leases to deposits | 67.6889% | 5,591 |
| Net loans and leases to core deposits | 72.0177% | 5,666 |
| Total domestic deposits to total assets | 69.2656% | 7,375 |
| Equity capital to assets | 10.0577% | 3,940 |
| Core capital (leverage) ratio | 7.4558% | 6,864 |
| Tier 1 risk-based capital ratio | 11.9450% | 5,359 |
| Total risk-based capital ratio | 13.2035% | 5,317 |
| Memoranda: | ||
| Average total assets | $271,701,670 | 2,403 |
| Average earning assets | $254,412,330 | 2,356 |
| Average equity | $26,372,330 | 2,461 |
| Average total loans | $130,242,670 | 3,197 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6976% | 1,789 |
| Cost of funding earning assets | 1.8186% | 1,805 |
| Net interest margin | 3.8790% | 3,411 |
| Noninterest income to average assets | 0.2171% | 6,409 |
| Noninterest expense to average assets | 1.9600% | 7,230 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.7622% | 540 |
| Return on assets (ROA) | 1.7622% | 590 |
| Pretax return on assets | 1.8827% | 758 |
| Return on Equity (ROE) | 18.5004% | 478 |
| Retained earnings to average equity (ytd only) | 13.8949% | 521 |
| Net charge-offs to loans | -0.3417% | 7,759 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9938% | 7,375 |
| Assets per employee ($millions) | 5.1221% | 2,062 |
| Cash dividends to net income (ytd only)* | 24.8945% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6619% | 1,112 |
| Loan loss allowance to noncurrent loans | 211.8622% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.5905% | 6,039 |
| Noncurrent loans to loans | 1.2564% | 4,881 |
| Net loans and leases to total assets | 44.7477% | 6,926 |
| Net loans and leases to deposits | 64.5466% | 5,998 |
| Net loans and leases to core deposits | 68.7069% | 6,030 |
| Total domestic deposits to total assets | 69.3262% | 7,455 |
| Equity capital to assets | 9.5571% | 4,445 |
| Core capital (leverage) ratio | 7.3774% | 6,960 |
| Tier 1 risk-based capital ratio | 11.9075% | 5,295 |
| Total risk-based capital ratio | 13.1670% | 5,238 |
| Memoranda: | ||
| Average total assets | $268,976,500 | 2,479 |
| Average earning assets | $251,402,000 | 2,435 |
| Average equity | $25,621,000 | 2,553 |
| Average total loans | $128,750,000 | 3,279 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9363% | 2,101 |
| Cost of funding earning assets | 2.1386% | 2,286 |
| Net interest margin | 3.7976% | 3,715 |
| Noninterest income to average assets | 0.2523% | 6,297 |
| Noninterest expense to average assets | 2.0421% | 7,294 |
| Loan and lease loss provision to assets | 1.3676% | 1,688 |
| Net operating income to assets | 0.3868% | 4,175 |
| Return on assets (ROA) | 0.3868% | 4,281 |
| Pretax return on assets | 0.4080% | 4,480 |
| Return on Equity (ROE) | 4.0411% | 4,076 |
| Retained earnings to average equity (ytd only) | -2.9624% | 5,694 |
| Net charge-offs to loans | 2.4897% | 928 |
| Credit loss provision to net charge-offs | 109.7372% | 5,015 |
| Earnings coverage of net charge-offs (x) | 1.4247% | 4,700 |
| Efficiency ratio | 51.2513% | 7,447 |
| Assets per employee ($millions) | 5.1246% | 2,049 |
| Cash dividends to net income (ytd only)* | 173.3068% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4205% | 1,332 |
| Loan loss allowance to noncurrent loans | 149.3259% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.8248% | 5,451 |
| Noncurrent loans to loans | 1.6209% | 4,217 |
| Net loans and leases to total assets | 48.5920% | 6,764 |
| Net loans and leases to deposits | 69.2671% | 5,691 |
| Net loans and leases to core deposits | 89.8779% | 5,142 |
| Total domestic deposits to total assets | 70.1516% | 7,415 |
| Equity capital to assets | 9.4930% | 4,418 |
| Core capital (leverage) ratio | 7.1368% | 7,123 |
| Tier 1 risk-based capital ratio | 10.9308% | 5,981 |
| Total risk-based capital ratio | 12.1889% | 5,951 |
| Memoranda: | ||
| Average total assets | $259,580,200 | 2,518 |
| Average earning assets | $243,705,800 | 2,469 |
| Average equity | $24,844,600 | 2,620 |
| Average total loans | $129,934,600 | 3,271 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9060% | 2,425 |
| Cost of funding earning assets | 2.2025% | 2,405 |
| Net interest margin | 3.7035% | 4,052 |
| Noninterest income to average assets | 0.2399% | 6,514 |
| Noninterest expense to average assets | 1.9204% | 7,514 |
| Loan and lease loss provision to assets | 1.7322% | 1,064 |
| Net operating income to assets | 0.0445% | 5,617 |
| Return on assets (ROA) | 0.0445% | 5,648 |
| Pretax return on assets | 0.0729% | 5,577 |
| Return on Equity (ROE) | 0.4636% | 5,647 |
| Retained earnings to average equity (ytd only) | -7.7578% | 6,570 |
| Net charge-offs to loans | 3.0381% | 543 |
| Credit loss provision to net charge-offs | 113.7521% | 4,466 |
| Earnings coverage of net charge-offs (x) | 1.1854% | 4,879 |
| Efficiency ratio | 49.2019% | 7,609 |
| Assets per employee ($millions) | 5.1723% | 1,932 |
| Cash dividends to net income (ytd only)* | 1,773.3124% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5018% | 1,058 |
| Loan loss allowance to noncurrent loans | 116.8436% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 1.0816% | 4,915 |
| Noncurrent loans to loans | 2.1411% | 3,457 |
| Net loans and leases to total assets | 48.7833% | 6,883 |
| Net loans and leases to deposits | 71.1453% | 5,780 |
| Net loans and leases to core deposits | 93.8532% | 5,027 |
| Total domestic deposits to total assets | 68.5686% | 7,530 |
| Equity capital to assets | 9.4258% | 4,849 |
| Core capital (leverage) ratio | 6.9806% | 7,447 |
| Tier 1 risk-based capital ratio | 10.5635% | 6,398 |
| Total risk-based capital ratio | 11.8227% | 6,355 |
| Memoranda: | ||
| Average total assets | $257,855,250 | 2,547 |
| Average earning assets | $242,683,500 | 2,490 |
| Average equity | $24,731,500 | 2,653 |
| Average total loans | $129,243,250 | 3,311 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8401% | 2,847 |
| Cost of funding earning assets | 2.2784% | 2,449 |
| Net interest margin | 3.5617% | 4,530 |
| Noninterest income to average assets | 0.2345% | 6,603 |
| Noninterest expense to average assets | 1.8806% | 7,649 |
| Loan and lease loss provision to assets | 0.6253% | 2,553 |
| Net operating income to assets | 1.0372% | 1,983 |
| Return on assets (ROA) | 1.0372% | 2,062 |
| Pretax return on assets | 1.0802% | 2,700 |
| Return on Equity (ROE) | 10.7505% | 1,767 |
| Retained earnings to average equity (ytd only) | 3.1352% | 3,570 |
| Net charge-offs to loans | 1.3964% | 1,343 |
| Credit loss provision to net charge-offs | 89.2857% | 4,947 |
| Earnings coverage of net charge-offs (x) | 2.4353% | 3,850 |
| Efficiency ratio | 49.8910% | 7,679 |
| Assets per employee ($millions) | 5.0502% | 2,030 |
| Cash dividends to net income (ytd only)* | 70.8365% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1795% | 1,274 |
| Loan loss allowance to noncurrent loans | 79.2138% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 1.4148% | 4,129 |
| Noncurrent loans to loans | 2.7515% | 2,617 |
| Net loans and leases to total assets | 48.8090% | 6,969 |
| Net loans and leases to deposits | 71.6128% | 5,795 |
| Net loans and leases to core deposits | 91.7057% | 5,377 |
| Total domestic deposits to total assets | 68.1568% | 7,613 |
| Equity capital to assets | 9.6378% | 4,444 |
| Core capital (leverage) ratio | 7.7425% | 6,684 |
| Tier 1 risk-based capital ratio | 12.0153% | 4,900 |
| Total risk-based capital ratio | 13.2711% | 4,826 |
| Memoranda: | ||
| Average total assets | $255,878,000 | 2,574 |
| Average earning assets | $240,781,670 | 2,514 |
| Average equity | $24,687,330 | 2,671 |
| Average total loans | $128,329,000 | 3,368 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7802% | 3,403 |
| Cost of funding earning assets | 2.3435% | 2,529 |
| Net interest margin | 3.4368% | 4,983 |
| Noninterest income to average assets | 0.2494% | 6,460 |
| Noninterest expense to average assets | 1.7927% | 7,707 |
| Loan and lease loss provision to assets | 0.5489% | 2,275 |
| Net operating income to assets | 1.1057% | 1,946 |
| Return on assets (ROA) | 1.1057% | 2,071 |
| Pretax return on assets | 1.1371% | 2,841 |
| Return on Equity (ROE) | 11.4543% | 1,830 |
| Retained earnings to average equity (ytd only) | 5.7678% | 2,743 |
| Net charge-offs to loans | 1.6189% | 896 |
| Credit loss provision to net charge-offs | 67.4374% | 4,398 |
| Earnings coverage of net charge-offs (x) | 2.0713% | 3,683 |
| Efficiency ratio | 48.6474% | 7,690 |
| Assets per employee ($millions) | 4.9784% | 2,092 |
| Cash dividends to net income (ytd only)* | 49.6454% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1761% | 1,108 |
| Loan loss allowance to noncurrent loans | 76.1161% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 1.4541% | 3,754 |
| Noncurrent loans to loans | 2.8589% | 2,287 |
| Net loans and leases to total assets | 48.2997% | 7,001 |
| Net loans and leases to deposits | 71.4836% | 5,810 |
| Net loans and leases to core deposits | 90.6459% | 5,493 |
| Total domestic deposits to total assets | 67.5675% | 7,627 |
| Equity capital to assets | 9.8976% | 4,118 |
| Core capital (leverage) ratio | 7.8986% | 6,621 |
| Tier 1 risk-based capital ratio | 12.2701% | 4,729 |
| Total risk-based capital ratio | 13.5259% | 4,637 |
| Memoranda: | ||
| Average total assets | $255,037,500 | 2,591 |
| Average earning assets | $239,644,500 | 2,536 |
| Average equity | $24,619,500 | 2,693 |
| Average total loans | $128,237,000 | 3,409 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7413% | 1,899 |
| Cost of funding earning assets | 2.9915% | 1,894 |
| Net interest margin | 3.7498% | 4,226 |
| Noninterest income to average assets | 0.2416% | 6,714 |
| Noninterest expense to average assets | 1.8990% | 7,614 |
| Loan and lease loss provision to assets | 0.1584% | 5,342 |
| Net operating income to assets | 1.6154% | 814 |
| Return on assets (ROA) | 1.6154% | 772 |
| Pretax return on assets | 1.6863% | 1,172 |
| Return on Equity (ROE) | 18.0388% | 524 |
| Retained earnings to average equity (ytd only) | 6.4361% | 1,351 |
| Net charge-offs to loans | 0.4037% | 2,794 |
| Credit loss provision to net charge-offs | 72.8597% | 6,034 |
| Earnings coverage of net charge-offs (x) | 8.4827% | 2,876 |
| Efficiency ratio | 47.9949% | 7,808 |
| Assets per employee ($millions) | 5.1235% | 1,803 |
| Cash dividends to net income (ytd only)* | 64.3207% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2095% | 937 |
| Loan loss allowance to noncurrent loans | 113.8310% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 1.0528% | 4,187 |
| Noncurrent loans to loans | 1.9411% | 2,844 |
| Net loans and leases to total assets | 50.0502% | 7,028 |
| Net loans and leases to deposits | 74.9696% | 5,736 |
| Net loans and leases to core deposits | 94.0807% | 5,442 |
| Total domestic deposits to total assets | 66.7606% | 7,597 |
| Equity capital to assets | 9.4111% | 4,808 |
| Core capital (leverage) ratio | 7.6184% | 7,052 |
| Tier 1 risk-based capital ratio | 11.6337% | 5,117 |
| Total risk-based capital ratio | 12.8904% | 5,002 |
| Memoranda: | ||
| Average total assets | $252,449,200 | 2,539 |
| Average earning assets | $235,771,400 | 2,496 |
| Average equity | $22,606,800 | 2,892 |
| Average total loans | $135,978,000 | 3,159 |