Home > American Bank > Performance and Condition Ratios
American Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3030% | 1,488 |
| Cost of funding earning assets | 2.1489% | 701 |
| Net interest margin | 3.1541% | 2,972 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 1.7560% | 4,060 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.4395% | 1,140 |
| Return on assets (ROA) | 1.4395% | 1,109 |
| Pretax return on assets | 1.5049% | 1,407 |
| Return on Equity (ROE) | 15.7000% | 1,155 |
| Retained earnings to average equity (ytd only) | 8.1263% | 1,500 |
| Net charge-offs to loans | 0.0330% | 1,637 |
| Credit loss provision to net charge-offs | 65.9722% | 2,116 |
| Earnings coverage of net charge-offs (x) | 55.0139% | 1,235 |
| Efficiency ratio | 53.4712% | 3,715 |
| Assets per employee ($millions) | 11.7065% | 442 |
| Cash dividends to net income (ytd only)* | 48.2380% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 2,633 |
| Loan loss allowance to noncurrent loans | 602.2573% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.1610% | 2,459 |
| Noncurrent loans to loans | 0.1882% | 2,573 |
| Net loans and leases to total assets | 84.5800% | 236 |
| Net loans and leases to deposits | 98.2744% | 634 |
| Net loans and leases to core deposits | 120.9337% | 597 |
| Total domestic deposits to total assets | 86.0600% | 1,996 |
| Equity capital to assets | 9.0697% | 2,625 |
| Core capital (leverage) ratio | 9.0765% | 3,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4446% | 2,732 |
| Memoranda: | ||
| Average total assets | $518,451,600 | 1,696 |
| Average earning assets | $486,574,200 | 1,674 |
| Average equity | $47,537,000 | 1,668 |
| Average total loans | $436,862,600 | 1,378 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1195% | 1,594 |
| Cost of funding earning assets | 1.9460% | 792 |
| Net interest margin | 3.1735% | 2,978 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 1.7692% | 4,031 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.4163% | 1,283 |
| Return on assets (ROA) | 1.4163% | 1,266 |
| Pretax return on assets | 1.4981% | 1,558 |
| Return on Equity (ROE) | 15.4000% | 1,372 |
| Retained earnings to average equity (ytd only) | 5.1775% | 2,876 |
| Net charge-offs to loans | 0.0464% | 1,223 |
| Credit loss provision to net charge-offs | 24.8322% | 1,995 |
| Earnings coverage of net charge-offs (x) | 38.8926% | 1,460 |
| Efficiency ratio | 53.8945% | 3,598 |
| Assets per employee ($millions) | 11.4469% | 445 |
| Cash dividends to net income (ytd only)* | 66.3839% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1389% | 2,680 |
| Loan loss allowance to noncurrent loans | 531.0171% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.1846% | 2,362 |
| Noncurrent loans to loans | 0.2145% | 2,492 |
| Net loans and leases to total assets | 85.0700% | 207 |
| Net loans and leases to deposits | 105.3899% | 309 |
| Net loans and leases to core deposits | 127.5504% | 379 |
| Total domestic deposits to total assets | 80.7200% | 3,429 |
| Equity capital to assets | 8.8891% | 2,483 |
| Core capital (leverage) ratio | 9.2835% | 3,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0790% | 2,813 |
| Memoranda: | ||
| Average total assets | $510,513,500 | 1,712 |
| Average earning assets | $479,537,750 | 1,688 |
| Average equity | $46,945,750 | 1,674 |
| Average total loans | $428,410,000 | 1,388 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9906% | 1,581 |
| Cost of funding earning assets | 1.7485% | 817 |
| Net interest margin | 3.2421% | 2,882 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 1.7684% | 4,057 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.4828% | 1,140 |
| Return on assets (ROA) | 1.4828% | 1,133 |
| Pretax return on assets | 1.5662% | 1,471 |
| Return on Equity (ROE) | 15.9300% | 1,278 |
| Retained earnings to average equity (ytd only) | 4.1026% | 3,192 |
| Net charge-offs to loans | 0.0705% | 857 |
| Credit loss provision to net charge-offs | 25.1701% | 1,753 |
| Earnings coverage of net charge-offs (x) | 27.1088% | 1,598 |
| Efficiency ratio | 52.6610% | 3,727 |
| Assets per employee ($millions) | 11.0419% | 507 |
| Cash dividends to net income (ytd only)* | 74.2534% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2178% | 2,363 |
| Loan loss allowance to noncurrent loans | 701.4628% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.1481% | 2,512 |
| Noncurrent loans to loans | 0.1736% | 2,611 |
| Net loans and leases to total assets | 84.2400% | 252 |
| Net loans and leases to deposits | 101.7533% | 443 |
| Net loans and leases to core deposits | 123.7906% | 434 |
| Total domestic deposits to total assets | 82.7900% | 3,092 |
| Equity capital to assets | 9.2476% | 2,348 |
| Core capital (leverage) ratio | 9.5788% | 3,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6182% | 2,732 |
| Memoranda: | ||
| Average total assets | $501,349,667 | 1,723 |
| Average earning assets | $470,808,000 | 1,710 |
| Average equity | $46,653,000 | 1,679 |
| Average total loans | $416,888,000 | 1,410 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8231% | 1,574 |
| Cost of funding earning assets | 1.5826% | 719 |
| Net interest margin | 3.2405% | 3,017 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 1.7347% | 4,146 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.4151% | 1,365 |
| Return on assets (ROA) | 1.4151% | 1,337 |
| Pretax return on assets | 1.4986% | 1,675 |
| Return on Equity (ROE) | 15.1600% | 1,526 |
| Retained earnings to average equity (ytd only) | 6.6417% | 2,605 |
| Net charge-offs to loans | 0.0137% | 1,441 |
| Credit loss provision to net charge-offs | 264.2857% | 735 |
| Earnings coverage of net charge-offs (x) | 144.0000% | 624 |
| Efficiency ratio | 51.7241% | 3,804 |
| Assets per employee ($millions) | 10.5927% | 583 |
| Cash dividends to net income (ytd only)* | 56.1862% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3311% | 1,891 |
| Loan loss allowance to noncurrent loans | 557.5258% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.1991% | 2,141 |
| Noncurrent loans to loans | 0.2388% | 2,308 |
| Net loans and leases to total assets | 82.2700% | 344 |
| Net loans and leases to deposits | 95.3654% | 692 |
| Net loans and leases to core deposits | 117.3299% | 505 |
| Total domestic deposits to total assets | 86.2700% | 2,516 |
| Equity capital to assets | 9.6050% | 2,058 |
| Core capital (leverage) ratio | 9.6791% | 3,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7907% | 2,787 |
| Memoranda: | ||
| Average total assets | $498,061,000 | 1,744 |
| Average earning assets | $468,329,000 | 1,733 |
| Average equity | $46,494,000 | 1,699 |
| Average total loans | $408,746,000 | 1,452 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9981% | 1,723 |
| Cost of funding earning assets | 0.7787% | 422 |
| Net interest margin | 3.2195% | 2,808 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 1.7711% | 4,063 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.5867% | 712 |
| Return on assets (ROA) | 1.5867% | 680 |
| Pretax return on assets | 1.6680% | 1,001 |
| Return on Equity (ROE) | 15.4100% | 1,160 |
| Retained earnings to average equity (ytd only) | 7.5939% | 1,989 |
| Net charge-offs to loans | 0.0082% | 2,080 |
| Credit loss provision to net charge-offs | 666.6667% | 555 |
| Earnings coverage of net charge-offs (x) | 243.9667% | 559 |
| Efficiency ratio | 50.8066% | 4,081 |
| Assets per employee ($millions) | 10.6012% | 560 |
| Cash dividends to net income (ytd only)* | 50.7236% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 2,062 |
| Loan loss allowance to noncurrent loans | 371.0826% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.2759% | 1,777 |
| Noncurrent loans to loans | 0.3414% | 1,926 |
| Net loans and leases to total assets | 79.7900% | 620 |
| Net loans and leases to deposits | 91.6157% | 938 |
| Net loans and leases to core deposits | 105.2430% | 779 |
| Total domestic deposits to total assets | 87.0900% | 2,366 |
| Equity capital to assets | 9.0764% | 2,313 |
| Core capital (leverage) ratio | 10.3684% | 2,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0788% | 2,711 |
| Memoranda: | ||
| Average total assets | $426,796,600 | 1,930 |
| Average earning assets | $405,938,200 | 1,893 |
| Average equity | $43,943,200 | 1,787 |
| Average total loans | $363,715,200 | 1,503 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8495% | 1,622 |
| Cost of funding earning assets | 0.6442% | 345 |
| Net interest margin | 3.2053% | 2,607 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 1.8407% | 3,900 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.5920% | 668 |
| Return on assets (ROA) | 1.5920% | 648 |
| Pretax return on assets | 1.6704% | 959 |
| Return on Equity (ROE) | 14.9100% | 1,198 |
| Retained earnings to average equity (ytd only) | 4.3519% | 3,336 |
| Net charge-offs to loans | 0.0114% | 1,692 |
| Credit loss provision to net charge-offs | 333.3333% | 763 |
| Earnings coverage of net charge-offs (x) | 173.0000% | 679 |
| Efficiency ratio | 51.9400% | 4,014 |
| Assets per employee ($millions) | 9.5501% | 749 |
| Cash dividends to net income (ytd only)* | 70.8101% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3398% | 1,844 |
| Loan loss allowance to noncurrent loans | 353.1444% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.3444% | 1,573 |
| Noncurrent loans to loans | 0.3794% | 1,871 |
| Net loans and leases to total assets | 89.5500% | 32 |
| Net loans and leases to deposits | 108.2757% | 147 |
| Net loans and leases to core deposits | 119.3787% | 268 |
| Total domestic deposits to total assets | 82.7000% | 3,728 |
| Equity capital to assets | 10.5263% | 1,356 |
| Core capital (leverage) ratio | 10.7833% | 1,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7474% | 2,572 |
| Memoranda: | ||
| Average total assets | $406,281,500 | 2,021 |
| Average earning assets | $388,716,500 | 1,966 |
| Average equity | $43,382,500 | 1,840 |
| Average total loans | $351,838,000 | 1,527 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6413% | 1,717 |
| Cost of funding earning assets | 0.6036% | 265 |
| Net interest margin | 3.0377% | 2,771 |
| Noninterest income to average assets | 0.5278% | 2,051 |
| Noninterest expense to average assets | 1.8663% | 3,790 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4994% | 710 |
| Return on assets (ROA) | 1.4994% | 690 |
| Pretax return on assets | 1.5785% | 991 |
| Return on Equity (ROE) | 13.9724% | 1,121 |
| Retained earnings to average equity (ytd only) | 1.6520% | 3,838 |
| Net charge-offs to loans | 0.0211% | 1,312 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 88.0556% | 879 |
| Efficiency ratio | 54.1775% | 3,949 |
| Assets per employee ($millions) | 8.3748% | 1,126 |
| Cash dividends to net income (ytd only)* | 88.1767% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4442% | 1,578 |
| Loan loss allowance to noncurrent loans | 364.4574% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.3416% | 1,636 |
| Noncurrent loans to loans | 0.3962% | 1,943 |
| Net loans and leases to total assets | 84.9520% | 137 |
| Net loans and leases to deposits | 101.8394% | 214 |
| Net loans and leases to core deposits | 107.7992% | 401 |
| Total domestic deposits to total assets | 83.4177% | 3,800 |
| Equity capital to assets | 10.7548% | 1,335 |
| Core capital (leverage) ratio | 10.6291% | 1,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6368% | 2,233 |
| Memoranda: | ||
| Average total assets | $401,640,333 | 2,046 |
| Average earning assets | $385,688,000 | 2,001 |
| Average equity | $43,099,333 | 1,889 |
| Average total loans | $341,986,333 | 1,552 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4969% | 1,822 |
| Cost of funding earning assets | 0.6040% | 259 |
| Net interest margin | 2.8929% | 2,866 |
| Noninterest income to average assets | 0.5141% | 2,077 |
| Noninterest expense to average assets | 1.8861% | 3,712 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3401% | 922 |
| Return on assets (ROA) | 1.3401% | 910 |
| Pretax return on assets | 1.4198% | 1,202 |
| Return on Equity (ROE) | 12.5022% | 1,159 |
| Retained earnings to average equity (ytd only) | 2.0450% | 3,526 |
| Net charge-offs to loans | 0.0071% | 1,494 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 237.5000% | 385 |
| Efficiency ratio | 57.0524% | 3,779 |
| Assets per employee ($millions) | 8.7007% | 1,020 |
| Cash dividends to net income (ytd only)* | 83.6431% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4839% | 1,605 |
| Loan loss allowance to noncurrent loans | 423.0252% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.2973% | 1,931 |
| Noncurrent loans to loans | 0.3508% | 2,228 |
| Net loans and leases to total assets | 83.5039% | 103 |
| Net loans and leases to deposits | 100.1802% | 171 |
| Net loans and leases to core deposits | 105.7218% | 355 |
| Total domestic deposits to total assets | 83.3537% | 3,895 |
| Equity capital to assets | 10.7712% | 1,456 |
| Core capital (leverage) ratio | 10.7025% | 1,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7208% | 2,336 |
| Memoranda: | ||
| Average total assets | $401,466,500 | 2,050 |
| Average earning assets | $387,427,000 | 1,998 |
| Average equity | $43,032,500 | 1,948 |
| Average total loans | $339,729,000 | 1,555 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0334% | 1,283 |
| Cost of funding earning assets | 0.7240% | 290 |
| Net interest margin | 3.3094% | 2,292 |
| Noninterest income to average assets | 0.4917% | 2,611 |
| Noninterest expense to average assets | 1.7741% | 4,185 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.8282% | 477 |
| Return on assets (ROA) | 1.8282% | 498 |
| Pretax return on assets | 1.9186% | 698 |
| Return on Equity (ROE) | 17.1039% | 570 |
| Retained earnings to average equity (ytd only) | 8.3551% | 1,405 |
| Net charge-offs to loans | 0.0032% | 2,500 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 738.6000% | 198 |
| Efficiency ratio | 48.0445% | 4,401 |
| Assets per employee ($millions) | 8.7543% | 995 |
| Cash dividends to net income (ytd only)* | 51.1509% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4811% | 1,631 |
| Loan loss allowance to noncurrent loans | 683.7178% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.1830% | 2,653 |
| Noncurrent loans to loans | 0.2166% | 2,878 |
| Net loans and leases to total assets | 83.2319% | 141 |
| Net loans and leases to deposits | 99.6637% | 202 |
| Net loans and leases to core deposits | 105.0699% | 389 |
| Total domestic deposits to total assets | 83.5128% | 3,689 |
| Equity capital to assets | 10.6667% | 2,035 |
| Core capital (leverage) ratio | 11.1207% | 1,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7391% | 2,345 |
| Memoranda: | ||
| Average total assets | $384,974,800 | 2,042 |
| Average earning assets | $372,364,800 | 1,996 |
| Average equity | $41,148,600 | 2,044 |
| Average total loans | $316,151,600 | 1,639 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2070% | 1,096 |
| Cost of funding earning assets | 0.7584% | 300 |
| Net interest margin | 3.4486% | 2,012 |
| Noninterest income to average assets | 0.5301% | 2,496 |
| Noninterest expense to average assets | 1.7921% | 4,183 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.9698% | 487 |
| Return on assets (ROA) | 1.9698% | 513 |
| Pretax return on assets | 2.0724% | 706 |
| Return on Equity (ROE) | 18.4186% | 577 |
| Retained earnings to average equity (ytd only) | 6.6244% | 2,569 |
| Net charge-offs to loans | 0.0047% | 2,162 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 537.7273% | 277 |
| Efficiency ratio | 46.3735% | 4,481 |
| Assets per employee ($millions) | 8.7302% | 980 |
| Cash dividends to net income (ytd only)* | 64.0342% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5886% | 1,363 |
| Loan loss allowance to noncurrent loans | 776.4253% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 2,970 |
| Noncurrent loans to loans | 0.2046% | 3,136 |
| Net loans and leases to total assets | 83.1550% | 134 |
| Net loans and leases to deposits | 100.6607% | 213 |
| Net loans and leases to core deposits | 106.4012% | 397 |
| Total domestic deposits to total assets | 82.6092% | 3,798 |
| Equity capital to assets | 11.0672% | 1,966 |
| Core capital (leverage) ratio | 11.0337% | 1,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3196% | 2,254 |
| Memoranda: | ||
| Average total assets | $380,543,500 | 2,078 |
| Average earning assets | $367,945,500 | 2,031 |
| Average equity | $40,697,000 | 2,094 |
| Average total loans | $310,136,000 | 1,689 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1407% | 1,277 |
| Cost of funding earning assets | 0.7838% | 309 |
| Net interest margin | 3.3569% | 2,281 |
| Noninterest income to average assets | 0.5488% | 2,412 |
| Noninterest expense to average assets | 1.7983% | 4,186 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8982% | 590 |
| Return on assets (ROA) | 1.8982% | 619 |
| Pretax return on assets | 1.9976% | 841 |
| Return on Equity (ROE) | 17.9542% | 660 |
| Retained earnings to average equity (ytd only) | 5.7059% | 2,919 |
| Net charge-offs to loans | 0.0052% | 1,958 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 477.2500% | 272 |
| Efficiency ratio | 47.3742% | 4,434 |
| Assets per employee ($millions) | 8.2863% | 1,084 |
| Cash dividends to net income (ytd only)* | 68.2194% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6767% | 1,113 |
| Loan loss allowance to noncurrent loans | 299.5841% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.4513% | 1,830 |
| Noncurrent loans to loans | 0.5597% | 1,997 |
| Net loans and leases to total assets | 79.2925% | 357 |
| Net loans and leases to deposits | 96.0236% | 382 |
| Net loans and leases to core deposits | 102.9155% | 568 |
| Total domestic deposits to total assets | 82.5761% | 3,797 |
| Equity capital to assets | 10.9104% | 2,060 |
| Core capital (leverage) ratio | 10.6284% | 1,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1374% | 1,931 |
| Memoranda: | ||
| Average total assets | $382,258,333 | 2,072 |
| Average earning assets | $369,747,333 | 2,019 |
| Average equity | $40,414,000 | 2,088 |
| Average total loans | $307,780,667 | 1,708 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1741% | 1,245 |
| Cost of funding earning assets | 0.8228% | 317 |
| Net interest margin | 3.3512% | 2,244 |
| Noninterest income to average assets | 0.6978% | 1,874 |
| Noninterest expense to average assets | 1.6302% | 4,490 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.2256% | 397 |
| Return on assets (ROA) | 2.2256% | 431 |
| Pretax return on assets | 2.3052% | 584 |
| Return on Equity (ROE) | 21.3806% | 440 |
| Retained earnings to average equity (ytd only) | 14.6774% | 663 |
| Net charge-offs to loans | 0.0026% | 1,833 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 1,115.0000% | 82 |
| Efficiency ratio | 41.4237% | 4,690 |
| Assets per employee ($millions) | 8.7050% | 908 |
| Cash dividends to net income (ytd only)* | 31.3516% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6276% | 1,224 |
| Loan loss allowance to noncurrent loans | 595.2830% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.2265% | 3,022 |
| Noncurrent loans to loans | 0.2734% | 3,122 |
| Net loans and leases to total assets | 81.5079% | 247 |
| Net loans and leases to deposits | 99.5263% | 301 |
| Net loans and leases to core deposits | 106.9690% | 481 |
| Total domestic deposits to total assets | 81.8958% | 3,912 |
| Equity capital to assets | 10.9571% | 1,894 |
| Core capital (leverage) ratio | 10.5022% | 2,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1044% | 1,870 |
| Memoranda: | ||
| Average total assets | $386,945,500 | 2,040 |
| Average earning assets | $373,831,500 | 1,987 |
| Average equity | $40,279,500 | 2,076 |
| Average total loans | $311,315,500 | 1,695 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2878% | 1,905 |
| Cost of funding earning assets | 1.2088% | 264 |
| Net interest margin | 3.0790% | 3,678 |
| Noninterest income to average assets | 0.6664% | 1,963 |
| Noninterest expense to average assets | 1.7341% | 4,567 |
| Loan and lease loss provision to assets | 0.0534% | 3,704 |
| Net operating income to assets | 1.7586% | 426 |
| Return on assets (ROA) | 1.7586% | 464 |
| Pretax return on assets | 1.8521% | 610 |
| Return on Equity (ROE) | 17.1333% | 395 |
| Retained earnings to average equity (ytd only) | 5.2279% | 2,173 |
| Net charge-offs to loans | 0.0026% | 3,299 |
| Credit loss provision to net charge-offs | 2,500.0000% | 374 |
| Earnings coverage of net charge-offs (x) | 891.7500% | 133 |
| Efficiency ratio | 47.6442% | 4,648 |
| Assets per employee ($millions) | 9.0813% | 720 |
| Cash dividends to net income (ytd only)* | 69.4866% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6161% | 1,248 |
| Loan loss allowance to noncurrent loans | 246.1014% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.5135% | 2,017 |
| Noncurrent loans to loans | 0.6567% | 2,038 |
| Net loans and leases to total assets | 76.9407% | 700 |
| Net loans and leases to deposits | 98.0316% | 460 |
| Net loans and leases to core deposits | 108.1835% | 565 |
| Total domestic deposits to total assets | 78.4856% | 4,264 |
| Equity capital to assets | 9.8968% | 3,222 |
| Core capital (leverage) ratio | 10.1174% | 2,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3880% | 2,088 |
| Memoranda: | ||
| Average total assets | $374,378,200 | 1,944 |
| Average earning assets | $361,517,400 | 1,901 |
| Average equity | $38,428,200 | 2,080 |
| Average total loans | $309,445,800 | 1,650 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4147% | 1,817 |
| Cost of funding earning assets | 1.2808% | 267 |
| Net interest margin | 3.1340% | 3,658 |
| Noninterest income to average assets | 0.6422% | 2,014 |
| Noninterest expense to average assets | 1.6895% | 4,634 |
| Loan and lease loss provision to assets | 0.0725% | 3,415 |
| Net operating income to assets | 1.8065% | 441 |
| Return on assets (ROA) | 1.8065% | 497 |
| Pretax return on assets | 1.9046% | 626 |
| Return on Equity (ROE) | 17.4295% | 410 |
| Retained earnings to average equity (ytd only) | 1.4399% | 4,099 |
| Net charge-offs to loans | 0.0013% | 3,173 |
| Credit loss provision to net charge-offs | 6,666.6667% | 174 |
| Earnings coverage of net charge-offs (x) | 1,819.3333% | 61 |
| Efficiency ratio | 46.0779% | 4,706 |
| Assets per employee ($millions) | 8.6293% | 798 |
| Cash dividends to net income (ytd only)* | 91.7385% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5911% | 1,126 |
| Loan loss allowance to noncurrent loans | 156.3563% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.8515% | 1,363 |
| Noncurrent loans to loans | 1.0176% | 1,469 |
| Net loans and leases to total assets | 82.3463% | 412 |
| Net loans and leases to deposits | 106.0558% | 323 |
| Net loans and leases to core deposits | 117.7929% | 460 |
| Total domestic deposits to total assets | 77.6443% | 4,249 |
| Equity capital to assets | 9.9964% | 3,222 |
| Core capital (leverage) ratio | 9.8960% | 2,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7432% | 2,307 |
| Memoranda: | ||
| Average total assets | $368,079,000 | 1,950 |
| Average earning assets | $355,195,000 | 1,902 |
| Average equity | $38,149,000 | 2,084 |
| Average total loans | $308,685,750 | 1,651 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8155% | 1,131 |
| Cost of funding earning assets | 1.3340% | 313 |
| Net interest margin | 3.4815% | 2,853 |
| Noninterest income to average assets | 0.5299% | 2,441 |
| Noninterest expense to average assets | 1.7578% | 4,618 |
| Loan and lease loss provision to assets | 0.1098% | 2,914 |
| Net operating income to assets | 1.9445% | 372 |
| Return on assets (ROA) | 1.9445% | 415 |
| Pretax return on assets | 2.0230% | 519 |
| Return on Equity (ROE) | 18.4607% | 337 |
| Retained earnings to average equity (ytd only) | 8.3727% | 1,198 |
| Net charge-offs to loans | 0.0020% | 2,948 |
| Credit loss provision to net charge-offs | 6,666.6667% | 175 |
| Earnings coverage of net charge-offs (x) | 1,294.6667% | 66 |
| Efficiency ratio | 45.1800% | 4,766 |
| Assets per employee ($millions) | 9.1711% | 647 |
| Cash dividends to net income (ytd only)* | 54.6456% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6250% | 952 |
| Loan loss allowance to noncurrent loans | 183.7514% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.7142% | 1,723 |
| Noncurrent loans to loans | 0.8843% | 1,728 |
| Net loans and leases to total assets | 79.4479% | 665 |
| Net loans and leases to deposits | 105.2027% | 339 |
| Net loans and leases to core deposits | 117.3176% | 493 |
| Total domestic deposits to total assets | 75.5189% | 4,473 |
| Equity capital to assets | 10.1629% | 3,053 |
| Core capital (leverage) ratio | 10.2232% | 2,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4690% | 2,012 |
| Memoranda: | ||
| Average total assets | $364,209,333 | 1,948 |
| Average earning assets | $351,570,667 | 1,893 |
| Average equity | $38,362,667 | 2,060 |
| Average total loans | $305,676,333 | 1,641 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6372% | 1,888 |
| Cost of funding earning assets | 1.3835% | 427 |
| Net interest margin | 3.2537% | 3,711 |
| Noninterest income to average assets | 0.4670% | 2,714 |
| Noninterest expense to average assets | 1.7087% | 4,771 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.8263% | 387 |
| Return on assets (ROA) | 1.8263% | 432 |
| Pretax return on assets | 1.8964% | 572 |
| Return on Equity (ROE) | 17.0130% | 339 |
| Retained earnings to average equity (ytd only) | 10.2183% | 703 |
| Net charge-offs to loans | 0.0026% | 2,502 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 838.5000% | 66 |
| Efficiency ratio | 47.3965% | 4,784 |
| Assets per employee ($millions) | 8.2154% | 685 |
| Cash dividends to net income (ytd only)* | 39.9381% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5906% | 1,093 |
| Loan loss allowance to noncurrent loans | 251.9979% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.5331% | 2,395 |
| Noncurrent loans to loans | 0.6312% | 2,409 |
| Net loans and leases to total assets | 83.1130% | 345 |
| Net loans and leases to deposits | 112.5642% | 155 |
| Net loans and leases to core deposits | 124.5656% | 356 |
| Total domestic deposits to total assets | 73.8361% | 4,673 |
| Equity capital to assets | 10.6344% | 3,203 |
| Core capital (leverage) ratio | 11.0888% | 2,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6442% | 2,424 |
| Memoranda: | ||
| Average total assets | $353,720,500 | 1,942 |
| Average earning assets | $341,154,000 | 1,887 |
| Average equity | $37,971,000 | 2,069 |
| Average total loans | $302,975,500 | 1,631 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6882% | 2,361 |
| Cost of funding earning assets | 1.5284% | 369 |
| Net interest margin | 3.1598% | 4,269 |
| Noninterest income to average assets | 0.3122% | 3,824 |
| Noninterest expense to average assets | 1.8665% | 4,697 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4261% | 1,255 |
| Return on assets (ROA) | 1.4261% | 1,322 |
| Pretax return on assets | 1.4864% | 1,847 |
| Return on Equity (ROE) | 12.8898% | 1,203 |
| Retained earnings to average equity (ytd only) | 5.7519% | 2,004 |
| Net charge-offs to loans | 0.0050% | 3,495 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 346.8571% | 254 |
| Efficiency ratio | 55.6692% | 4,246 |
| Assets per employee ($millions) | 7.8628% | 752 |
| Cash dividends to net income (ytd only)* | 55.3767% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6158% | 947 |
| Loan loss allowance to noncurrent loans | 180.4606% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.7781% | 1,661 |
| Noncurrent loans to loans | 0.8954% | 1,717 |
| Net loans and leases to total assets | 85.5010% | 204 |
| Net loans and leases to deposits | 109.1279% | 204 |
| Net loans and leases to core deposits | 120.5658% | 464 |
| Total domestic deposits to total assets | 78.3494% | 4,308 |
| Equity capital to assets | 10.8396% | 3,149 |
| Core capital (leverage) ratio | 11.0816% | 2,423 |
| Tier 1 risk-based capital ratio | 12.1102% | 4,298 |
| Total risk-based capital ratio | 13.3645% | 4,181 |
| Memoranda: | ||
| Average total assets | $326,702,600 | 2,002 |
| Average earning assets | $314,383,000 | 1,946 |
| Average equity | $36,144,800 | 2,089 |
| Average total loans | $280,930,000 | 1,686 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7477% | 2,278 |
| Cost of funding earning assets | 1.5403% | 364 |
| Net interest margin | 3.2073% | 4,282 |
| Noninterest income to average assets | 0.2875% | 4,011 |
| Noninterest expense to average assets | 1.7935% | 4,824 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5069% | 1,169 |
| Return on assets (ROA) | 1.5069% | 1,223 |
| Pretax return on assets | 1.5782% | 1,708 |
| Return on Equity (ROE) | 13.5468% | 1,097 |
| Retained earnings to average equity (ytd only) | 3.9397% | 3,430 |
| Net charge-offs to loans | 0.0053% | 3,202 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 346.2761% | 283 |
| Efficiency ratio | 53.1941% | 4,475 |
| Assets per employee ($millions) | 7.7957% | 748 |
| Cash dividends to net income (ytd only)* | 70.9179% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7177% | 790 |
| Loan loss allowance to noncurrent loans | 175.2343% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.8472% | 1,621 |
| Noncurrent loans to loans | 0.9802% | 1,633 |
| Net loans and leases to total assets | 84.9469% | 260 |
| Net loans and leases to deposits | 110.6046% | 210 |
| Net loans and leases to core deposits | 123.1499% | 435 |
| Total domestic deposits to total assets | 76.8023% | 4,541 |
| Equity capital to assets | 11.1422% | 2,974 |
| Core capital (leverage) ratio | 11.3200% | 2,363 |
| Tier 1 risk-based capital ratio | 12.5188% | 4,131 |
| Total risk-based capital ratio | 13.7745% | 4,006 |
| Memoranda: | ||
| Average total assets | $321,887,750 | 2,033 |
| Average earning assets | $309,534,500 | 1,979 |
| Average equity | $35,805,750 | 2,114 |
| Average total loans | $275,997,750 | 1,722 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7243% | 2,290 |
| Cost of funding earning assets | 1.5319% | 344 |
| Net interest margin | 3.1924% | 4,383 |
| Noninterest income to average assets | 0.2531% | 4,240 |
| Noninterest expense to average assets | 1.8979% | 4,751 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3623% | 1,537 |
| Return on assets (ROA) | 1.3623% | 1,599 |
| Pretax return on assets | 1.4286% | 2,108 |
| Return on Equity (ROE) | 12.2540% | 1,489 |
| Retained earnings to average equity (ytd only) | 1.3772% | 4,327 |
| Net charge-offs to loans | 0.0058% | 2,942 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 285.7500% | 274 |
| Efficiency ratio | 57.0543% | 4,124 |
| Assets per employee ($millions) | 7.5659% | 785 |
| Cash dividends to net income (ytd only)* | 88.7615% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8105% | 667 |
| Loan loss allowance to noncurrent loans | 209.2943% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.7314% | 1,893 |
| Noncurrent loans to loans | 0.8650% | 1,876 |
| Net loans and leases to total assets | 83.0159% | 474 |
| Net loans and leases to deposits | 109.9525% | 220 |
| Net loans and leases to core deposits | 120.2432% | 539 |
| Total domestic deposits to total assets | 75.5016% | 4,724 |
| Equity capital to assets | 11.2217% | 2,837 |
| Core capital (leverage) ratio | 10.9656% | 2,632 |
| Tier 1 risk-based capital ratio | 13.0393% | 3,819 |
| Total risk-based capital ratio | 14.2964% | 3,722 |
| Memoranda: | ||
| Average total assets | $320,043,330 | 2,046 |
| Average earning assets | $308,107,000 | 1,995 |
| Average equity | $35,580,330 | 2,113 |
| Average total loans | $273,665,330 | 1,739 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5875% | 2,579 |
| Cost of funding earning assets | 1.4817% | 345 |
| Net interest margin | 3.1058% | 4,591 |
| Noninterest income to average assets | 0.2030% | 4,538 |
| Noninterest expense to average assets | 1.8581% | 4,856 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2691% | 1,818 |
| Return on assets (ROA) | 1.2691% | 1,866 |
| Pretax return on assets | 1.3338% | 2,316 |
| Return on Equity (ROE) | 11.4684% | 1,751 |
| Retained earnings to average equity (ytd only) | 4.2092% | 3,234 |
| Net charge-offs to loans | 0.0014% | 2,711 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 1,071.0000% | 47 |
| Efficiency ratio | 58.2130% | 4,052 |
| Assets per employee ($millions) | 7.6786% | 753 |
| Cash dividends to net income (ytd only)* | 63.2974% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7833% | 730 |
| Loan loss allowance to noncurrent loans | 225.5093% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.6698% | 2,091 |
| Noncurrent loans to loans | 0.7908% | 2,062 |
| Net loans and leases to total assets | 83.1840% | 444 |
| Net loans and leases to deposits | 109.8054% | 221 |
| Net loans and leases to core deposits | 119.7741% | 536 |
| Total domestic deposits to total assets | 75.7558% | 4,790 |
| Equity capital to assets | 11.0861% | 2,762 |
| Core capital (leverage) ratio | 11.1031% | 2,472 |
| Tier 1 risk-based capital ratio | 12.7845% | 3,989 |
| Total risk-based capital ratio | 14.0408% | 3,886 |
| Memoranda: | ||
| Average total assets | $321,181,000 | 2,057 |
| Average earning assets | $309,103,000 | 2,005 |
| Average equity | $35,541,000 | 2,117 |
| Average total loans | $276,167,000 | 1,738 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7796% | 1,598 |
| Cost of funding earning assets | 1.0780% | 536 |
| Net interest margin | 3.7016% | 3,028 |
| Noninterest income to average assets | 0.3178% | 3,985 |
| Noninterest expense to average assets | 2.1325% | 4,488 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6442% | 786 |
| Return on assets (ROA) | 1.6442% | 787 |
| Pretax return on assets | 1.7235% | 1,104 |
| Return on Equity (ROE) | 14.0768% | 1,026 |
| Retained earnings to average equity (ytd only) | 3.9849% | 3,381 |
| Net charge-offs to loans | -0.0968% | 5,140 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3026% | 4,483 |
| Assets per employee ($millions) | 7.4386% | 823 |
| Cash dividends to net income (ytd only)* | 71.6916% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7450% | 765 |
| Loan loss allowance to noncurrent loans | 228.4107% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.6669% | 2,055 |
| Noncurrent loans to loans | 0.7640% | 2,092 |
| Net loans and leases to total assets | 85.7628% | 247 |
| Net loans and leases to deposits | 116.8457% | 138 |
| Net loans and leases to core deposits | 123.0989% | 469 |
| Total domestic deposits to total assets | 73.3984% | 4,982 |
| Equity capital to assets | 11.0451% | 2,643 |
| Core capital (leverage) ratio | 11.5769% | 2,040 |
| Tier 1 risk-based capital ratio | 12.3416% | 4,218 |
| Total risk-based capital ratio | 13.5976% | 4,092 |
| Memoranda: | ||
| Average total assets | $297,354,800 | 2,177 |
| Average earning assets | $284,230,400 | 2,111 |
| Average equity | $34,731,000 | 2,086 |
| Average total loans | $266,444,400 | 1,750 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7867% | 1,463 |
| Cost of funding earning assets | 1.0083% | 577 |
| Net interest margin | 3.7784% | 2,719 |
| Noninterest income to average assets | 0.3245% | 3,973 |
| Noninterest expense to average assets | 2.0535% | 4,647 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.7971% | 604 |
| Return on assets (ROA) | 1.7971% | 609 |
| Pretax return on assets | 1.8780% | 849 |
| Return on Equity (ROE) | 15.1600% | 843 |
| Retained earnings to average equity (ytd only) | 5.5018% | 2,949 |
| Net charge-offs to loans | -0.1312% | 5,219 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2320% | 4,785 |
| Assets per employee ($millions) | 6.9701% | 943 |
| Cash dividends to net income (ytd only)* | 63.7080% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8059% | 718 |
| Loan loss allowance to noncurrent loans | 230.1842% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.7063% | 2,083 |
| Noncurrent loans to loans | 0.7845% | 2,139 |
| Net loans and leases to total assets | 88.4077% | 127 |
| Net loans and leases to deposits | 117.9736% | 128 |
| Net loans and leases to core deposits | 124.2496% | 457 |
| Total domestic deposits to total assets | 74.9385% | 4,892 |
| Equity capital to assets | 11.7885% | 2,041 |
| Core capital (leverage) ratio | 11.9537% | 1,814 |
| Tier 1 risk-based capital ratio | 12.7209% | 4,068 |
| Total risk-based capital ratio | 13.9773% | 3,961 |
| Memoranda: | ||
| Average total assets | $291,728,500 | 2,209 |
| Average earning assets | $278,487,750 | 2,155 |
| Average equity | $34,581,500 | 2,097 |
| Average total loans | $263,257,250 | 1,774 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7298% | 1,429 |
| Cost of funding earning assets | 0.9603% | 557 |
| Net interest margin | 3.7694% | 2,675 |
| Noninterest income to average assets | 0.3217% | 4,034 |
| Noninterest expense to average assets | 2.0805% | 4,651 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7878% | 594 |
| Return on assets (ROA) | 1.7878% | 597 |
| Pretax return on assets | 1.8667% | 850 |
| Return on Equity (ROE) | 15.0533% | 840 |
| Retained earnings to average equity (ytd only) | 3.9556% | 3,628 |
| Net charge-offs to loans | -0.1992% | 5,324 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7082% | 4,813 |
| Assets per employee ($millions) | 6.6721% | 1,089 |
| Cash dividends to net income (ytd only)* | 73.7229% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8435% | 694 |
| Loan loss allowance to noncurrent loans | 499.3852% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.3402% | 3,386 |
| Noncurrent loans to loans | 0.3692% | 3,368 |
| Net loans and leases to total assets | 90.4538% | 63 |
| Net loans and leases to deposits | 114.5965% | 183 |
| Net loans and leases to core deposits | 119.9483% | 565 |
| Total domestic deposits to total assets | 78.9325% | 4,436 |
| Equity capital to assets | 12.0582% | 1,819 |
| Core capital (leverage) ratio | 12.0448% | 1,685 |
| Tier 1 risk-based capital ratio | 12.8064% | 4,003 |
| Total risk-based capital ratio | 14.0637% | 3,912 |
| Memoranda: | ||
| Average total assets | $289,066,330 | 2,234 |
| Average earning assets | $278,025,670 | 2,166 |
| Average equity | $34,331,330 | 2,116 |
| Average total loans | $261,061,670 | 1,785 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5530% | 1,708 |
| Cost of funding earning assets | 0.9221% | 535 |
| Net interest margin | 3.6309% | 3,067 |
| Noninterest income to average assets | 0.3405% | 3,874 |
| Noninterest expense to average assets | 2.0376% | 4,777 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7122% | 672 |
| Return on assets (ROA) | 1.7122% | 680 |
| Pretax return on assets | 1.7936% | 921 |
| Return on Equity (ROE) | 14.5265% | 892 |
| Retained earnings to average equity (ytd only) | 6.2808% | 2,594 |
| Net charge-offs to loans | 0.0062% | 2,514 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 325.2500% | 205 |
| Efficiency ratio | 53.1846% | 4,864 |
| Assets per employee ($millions) | 6.6440% | 1,124 |
| Cash dividends to net income (ytd only)* | 56.7633% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7809% | 818 |
| Loan loss allowance to noncurrent loans | 457.7954% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.3525% | 3,436 |
| Noncurrent loans to loans | 0.3890% | 3,394 |
| Net loans and leases to total assets | 88.9930% | 93 |
| Net loans and leases to deposits | 110.3537% | 246 |
| Net loans and leases to core deposits | 114.6110% | 773 |
| Total domestic deposits to total assets | 80.6434% | 4,287 |
| Equity capital to assets | 12.0592% | 1,740 |
| Core capital (leverage) ratio | 12.0754% | 1,608 |
| Tier 1 risk-based capital ratio | 13.0373% | 3,928 |
| Total risk-based capital ratio | 14.2938% | 3,840 |
| Memoranda: | ||
| Average total assets | $290,149,000 | 2,248 |
| Average earning assets | $278,937,000 | 2,186 |
| Average equity | $34,199,500 | 2,134 |
| Average total loans | $259,399,000 | 1,797 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3951% | 2,038 |
| Cost of funding earning assets | 0.8821% | 416 |
| Net interest margin | 3.5130% | 3,483 |
| Noninterest income to average assets | 0.3402% | 4,036 |
| Noninterest expense to average assets | 2.1317% | 4,692 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4622% | 879 |
| Return on assets (ROA) | 1.4622% | 888 |
| Pretax return on assets | 1.5384% | 1,492 |
| Return on Equity (ROE) | 12.6604% | 1,033 |
| Retained earnings to average equity (ytd only) | 7.4654% | 933 |
| Net charge-offs to loans | -0.0041% | 4,606 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0825% | 4,516 |
| Assets per employee ($millions) | 7.0145% | 962 |
| Cash dividends to net income (ytd only)* | 41.0331% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7750% | 817 |
| Loan loss allowance to noncurrent loans | 497.7346% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 3,619 |
| Noncurrent loans to loans | 0.3566% | 3,492 |
| Net loans and leases to total assets | 86.6677% | 210 |
| Net loans and leases to deposits | 105.7981% | 406 |
| Net loans and leases to core deposits | 109.0502% | 1,060 |
| Total domestic deposits to total assets | 81.9179% | 3,890 |
| Equity capital to assets | 11.5228% | 2,188 |
| Core capital (leverage) ratio | 12.0940% | 1,556 |
| Tier 1 risk-based capital ratio | 12.7526% | 4,057 |
| Total risk-based capital ratio | 14.0088% | 3,951 |
| Memoranda: | ||
| Average total assets | $283,346,800 | 2,271 |
| Average earning assets | $268,573,800 | 2,219 |
| Average equity | $32,724,200 | 2,188 |
| Average total loans | $243,718,600 | 1,857 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4261% | 1,873 |
| Cost of funding earning assets | 0.8897% | 372 |
| Net interest margin | 3.5365% | 3,364 |
| Noninterest income to average assets | 0.3436% | 4,081 |
| Noninterest expense to average assets | 2.0831% | 4,768 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5218% | 857 |
| Return on assets (ROA) | 1.5218% | 878 |
| Pretax return on assets | 1.5988% | 1,429 |
| Return on Equity (ROE) | 13.1691% | 1,018 |
| Retained earnings to average equity (ytd only) | 6.1774% | 2,128 |
| Net charge-offs to loans | 0.0078% | 3,447 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 240.2367% | 367 |
| Efficiency ratio | 56.5767% | 4,665 |
| Assets per employee ($millions) | 6.5381% | 1,160 |
| Cash dividends to net income (ytd only)* | 53.0918% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9136% | 680 |
| Loan loss allowance to noncurrent loans | 332.6087% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.5025% | 3,061 |
| Noncurrent loans to loans | 0.5753% | 2,970 |
| Net loans and leases to total assets | 85.6766% | 276 |
| Net loans and leases to deposits | 106.3152% | 403 |
| Net loans and leases to core deposits | 109.3070% | 1,070 |
| Total domestic deposits to total assets | 80.5874% | 4,176 |
| Equity capital to assets | 12.0364% | 1,943 |
| Core capital (leverage) ratio | 11.9421% | 1,728 |
| Tier 1 risk-based capital ratio | 13.4646% | 3,726 |
| Total risk-based capital ratio | 14.7227% | 3,634 |
| Memoranda: | ||
| Average total assets | $280,531,750 | 2,301 |
| Average earning assets | $264,813,750 | 2,263 |
| Average equity | $32,418,500 | 2,215 |
| Average total loans | $239,662,500 | 1,896 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3061% | 2,099 |
| Cost of funding earning assets | 0.8668% | 375 |
| Net interest margin | 3.4393% | 3,631 |
| Noninterest income to average assets | 0.3264% | 4,214 |
| Noninterest expense to average assets | 2.0672% | 4,837 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4867% | 894 |
| Return on assets (ROA) | 1.4867% | 914 |
| Pretax return on assets | 1.5624% | 1,452 |
| Return on Equity (ROE) | 13.0405% | 1,027 |
| Retained earnings to average equity (ytd only) | 6.2098% | 2,013 |
| Net charge-offs to loans | 0.0075% | 3,185 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 245.2222% | 346 |
| Efficiency ratio | 56.9534% | 4,717 |
| Assets per employee ($millions) | 6.6642% | 1,066 |
| Cash dividends to net income (ytd only)* | 52.3810% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8919% | 731 |
| Loan loss allowance to noncurrent loans | 364.9722% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.4608% | 3,272 |
| Noncurrent loans to loans | 0.5184% | 3,201 |
| Net loans and leases to total assets | 87.2084% | 188 |
| Net loans and leases to deposits | 108.1242% | 315 |
| Net loans and leases to core deposits | 110.9759% | 954 |
| Total domestic deposits to total assets | 80.6558% | 4,267 |
| Equity capital to assets | 11.9132% | 1,986 |
| Core capital (leverage) ratio | 11.7384% | 1,804 |
| Tier 1 risk-based capital ratio | 13.1846% | 3,894 |
| Total risk-based capital ratio | 14.4425% | 3,786 |
| Memoranda: | ||
| Average total assets | $282,509,000 | 2,292 |
| Average earning assets | $271,335,670 | 2,227 |
| Average equity | $32,207,330 | 2,220 |
| Average total loans | $239,597,330 | 1,889 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9959% | 3,056 |
| Cost of funding earning assets | 0.8523% | 374 |
| Net interest margin | 3.1436% | 4,519 |
| Noninterest income to average assets | 0.2925% | 4,462 |
| Noninterest expense to average assets | 1.9001% | 5,240 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3317% | 1,163 |
| Return on assets (ROA) | 1.3317% | 1,192 |
| Pretax return on assets | 1.4083% | 1,860 |
| Return on Equity (ROE) | 11.9368% | 1,258 |
| Retained earnings to average equity (ytd only) | 11.9368% | 477 |
| Net charge-offs to loans | 0.0050% | 2,800 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 337.0000% | 177 |
| Efficiency ratio | 57.4316% | 4,787 |
| Assets per employee ($millions) | 6.6788% | 1,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9708% | 708 |
| Loan loss allowance to noncurrent loans | 209.8039% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.7818% | 2,345 |
| Noncurrent loans to loans | 0.9393% | 2,166 |
| Net loans and leases to total assets | 81.5885% | 615 |
| Net loans and leases to deposits | 100.4693% | 591 |
| Net loans and leases to core deposits | 103.4217% | 1,258 |
| Total domestic deposits to total assets | 81.2074% | 4,366 |
| Equity capital to assets | 11.5904% | 2,118 |
| Core capital (leverage) ratio | 11.3871% | 2,035 |
| Tier 1 risk-based capital ratio | 13.7622% | 3,622 |
| Total risk-based capital ratio | 15.0213% | 3,523 |
| Memoranda: | ||
| Average total assets | $287,146,500 | 2,276 |
| Average earning assets | $275,480,000 | 2,211 |
| Average equity | $32,035,500 | 2,235 |
| Average total loans | $237,957,000 | 1,906 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1654% | 2,606 |
| Cost of funding earning assets | 0.8689% | 351 |
| Net interest margin | 3.2965% | 4,154 |
| Noninterest income to average assets | 0.3351% | 4,339 |
| Noninterest expense to average assets | 1.9745% | 5,241 |
| Loan and lease loss provision to assets | 0.2132% | 1,057 |
| Net operating income to assets | 1.2222% | 1,430 |
| Return on assets (ROA) | 1.2198% | 1,528 |
| Pretax return on assets | 1.2884% | 2,317 |
| Return on Equity (ROE) | 11.0440% | 1,565 |
| Retained earnings to average equity (ytd only) | 3.6449% | 3,327 |
| Net charge-offs to loans | 0.0037% | 4,126 |
| Credit loss provision to net charge-offs | 6,666.6667% | 70 |
| Earnings coverage of net charge-offs (x) | 470.3333% | 176 |
| Efficiency ratio | 56.7620% | 4,979 |
| Assets per employee ($millions) | 7.1655% | 851 |
| Cash dividends to net income (ytd only)* | 66.9968% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8989% | 804 |
| Loan loss allowance to noncurrent loans | 115.3596% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 1.3585% | 1,276 |
| Noncurrent loans to loans | 1.6461% | 1,181 |
| Net loans and leases to total assets | 80.9595% | 743 |
| Net loans and leases to deposits | 98.6189% | 769 |
| Net loans and leases to core deposits | 101.5403% | 1,481 |
| Total domestic deposits to total assets | 82.0933% | 4,049 |
| Equity capital to assets | 10.7422% | 2,875 |
| Core capital (leverage) ratio | 11.1391% | 2,221 |
| Tier 1 risk-based capital ratio | 12.6911% | 4,275 |
| Total risk-based capital ratio | 13.9489% | 4,157 |
| Memoranda: | ||
| Average total assets | $281,440,600 | 2,279 |
| Average earning assets | $268,375,000 | 2,226 |
| Average equity | $31,084,800 | 2,286 |
| Average total loans | $246,068,400 | 1,814 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2657% | 2,276 |
| Cost of funding earning assets | 0.8768% | 328 |
| Net interest margin | 3.3889% | 3,893 |
| Noninterest income to average assets | 0.3482% | 4,296 |
| Noninterest expense to average assets | 1.9385% | 5,317 |
| Loan and lease loss provision to assets | 0.2874% | 604 |
| Net operating income to assets | 1.2914% | 1,319 |
| Return on assets (ROA) | 1.2914% | 1,422 |
| Pretax return on assets | 1.3532% | 2,225 |
| Return on Equity (ROE) | 11.6081% | 1,452 |
| Retained earnings to average equity (ytd only) | 3.8579% | 3,560 |
| Net charge-offs to loans | 0.0027% | 3,845 |
| Credit loss provision to net charge-offs | 12,000.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 684.6402% | 136 |
| Efficiency ratio | 54.1622% | 5,230 |
| Assets per employee ($millions) | 6.4388% | 1,145 |
| Cash dividends to net income (ytd only)* | 66.7655% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9774% | 751 |
| Loan loss allowance to noncurrent loans | 136.4121% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 1.2491% | 1,572 |
| Noncurrent loans to loans | 1.4496% | 1,496 |
| Net loans and leases to total assets | 84.4688% | 370 |
| Net loans and leases to deposits | 104.8551% | 417 |
| Net loans and leases to core deposits | 108.2951% | 1,030 |
| Total domestic deposits to total assets | 80.5576% | 4,370 |
| Equity capital to assets | 11.5941% | 2,437 |
| Core capital (leverage) ratio | 11.2880% | 2,199 |
| Tier 1 risk-based capital ratio | 13.1538% | 4,062 |
| Total risk-based capital ratio | 14.4127% | 3,964 |
| Memoranda: | ||
| Average total assets | $278,354,750 | 2,302 |
| Average earning assets | $265,367,000 | 2,257 |
| Average equity | $30,966,250 | 2,305 |
| Average total loans | $246,973,000 | 1,814 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2731% | 2,239 |
| Cost of funding earning assets | 0.8638% | 349 |
| Net interest margin | 3.4094% | 3,854 |
| Noninterest income to average assets | 0.2968% | 4,660 |
| Noninterest expense to average assets | 1.8684% | 5,505 |
| Loan and lease loss provision to assets | 0.4271% | 343 |
| Net operating income to assets | 1.1901% | 1,636 |
| Return on assets (ROA) | 1.1901% | 1,731 |
| Pretax return on assets | 1.2463% | 2,615 |
| Return on Equity (ROE) | 10.8441% | 1,705 |
| Retained earnings to average equity (ytd only) | 3.0613% | 3,965 |
| Net charge-offs to loans | 0.0048% | 3,532 |
| Credit loss provision to net charge-offs | 10,000.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 391.8333% | 177 |
| Efficiency ratio | 52.7532% | 5,401 |
| Assets per employee ($millions) | 6.8210% | 941 |
| Cash dividends to net income (ytd only)* | 71.7703% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8979% | 898 |
| Loan loss allowance to noncurrent loans | 139.1843% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 1.2132% | 1,707 |
| Noncurrent loans to loans | 1.3636% | 1,640 |
| Net loans and leases to total assets | 87.2797% | 183 |
| Net loans and leases to deposits | 110.6417% | 237 |
| Net loans and leases to core deposits | 114.4502% | 704 |
| Total domestic deposits to total assets | 78.8850% | 4,811 |
| Equity capital to assets | 11.3466% | 2,699 |
| Core capital (leverage) ratio | 11.1598% | 2,275 |
| Tier 1 risk-based capital ratio | 12.5159% | 4,511 |
| Total risk-based capital ratio | 13.7739% | 4,419 |
| Memoranda: | ||
| Average total assets | $280,996,330 | 2,295 |
| Average earning assets | $267,437,670 | 2,248 |
| Average equity | $30,837,000 | 2,321 |
| Average total loans | $251,618,330 | 1,790 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3078% | 2,106 |
| Cost of funding earning assets | 0.8663% | 354 |
| Net interest margin | 3.4415% | 3,708 |
| Noninterest income to average assets | 0.2820% | 4,699 |
| Noninterest expense to average assets | 1.8564% | 5,580 |
| Loan and lease loss provision to assets | 0.8419% | 120 |
| Net operating income to assets | 0.8026% | 3,236 |
| Return on assets (ROA) | 0.8026% | 3,350 |
| Pretax return on assets | 0.8447% | 4,048 |
| Return on Equity (ROE) | 7.4342% | 3,224 |
| Retained earnings to average equity (ytd only) | 7.4342% | 1,693 |
| Net charge-offs to loans | 0.0047% | 2,958 |
| Credit loss provision to net charge-offs | 20,000.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 400.6667% | 153 |
| Efficiency ratio | 52.3960% | 5,487 |
| Assets per employee ($millions) | 7.0107% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8394% | 1,074 |
| Loan loss allowance to noncurrent loans | 334.0580% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.5340% | 3,476 |
| Noncurrent loans to loans | 0.5506% | 3,528 |
| Net loans and leases to total assets | 89.9772% | 62 |
| Net loans and leases to deposits | 112.9853% | 166 |
| Net loans and leases to core deposits | 117.6078% | 547 |
| Total domestic deposits to total assets | 79.6362% | 4,829 |
| Equity capital to assets | 11.3614% | 2,567 |
| Core capital (leverage) ratio | 10.7789% | 2,642 |
| Tier 1 risk-based capital ratio | 12.1433% | 4,819 |
| Total risk-based capital ratio | 13.4006% | 4,713 |
| Memoranda: | ||
| Average total assets | $285,075,000 | 2,278 |
| Average earning assets | $270,116,500 | 2,242 |
| Average equity | $30,776,500 | 2,315 |
| Average total loans | $256,057,500 | 1,759 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2575% | 2,361 |
| Cost of funding earning assets | 0.8256% | 432 |
| Net interest margin | 3.4319% | 3,787 |
| Noninterest income to average assets | 0.3637% | 4,303 |
| Noninterest expense to average assets | 1.9091% | 5,603 |
| Loan and lease loss provision to assets | 0.0717% | 2,836 |
| Net operating income to assets | 1.5690% | 751 |
| Return on assets (ROA) | 1.5690% | 776 |
| Pretax return on assets | 1.6530% | 1,099 |
| Return on Equity (ROE) | 14.7895% | 721 |
| Retained earnings to average equity (ytd only) | 6.5055% | 1,541 |
| Net charge-offs to loans | -0.0620% | 5,623 |
| Credit loss provision to net charge-offs | -128.2051% | 5,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5370% | 5,603 |
| Assets per employee ($millions) | 7.4184% | 732 |
| Cash dividends to net income (ytd only)* | 56.0128% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5346% | 1,844 |
| Loan loss allowance to noncurrent loans | 895.7589% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.1779% | 4,894 |
| Noncurrent loans to loans | 0.1713% | 4,804 |
| Net loans and leases to total assets | 86.7713% | 181 |
| Net loans and leases to deposits | 107.9816% | 299 |
| Net loans and leases to core deposits | 112.0004% | 773 |
| Total domestic deposits to total assets | 80.3575% | 4,651 |
| Equity capital to assets | 10.2614% | 3,667 |
| Core capital (leverage) ratio | 10.5757% | 2,849 |
| Tier 1 risk-based capital ratio | 11.2964% | 5,379 |
| Total risk-based capital ratio | 12.5497% | 5,270 |
| Memoranda: | ||
| Average total assets | $278,770,200 | 2,283 |
| Average earning assets | $265,626,600 | 2,231 |
| Average equity | $29,575,000 | 2,350 |
| Average total loans | $251,503,400 | 1,718 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2496% | 2,404 |
| Cost of funding earning assets | 0.8277% | 430 |
| Net interest margin | 3.4219% | 3,866 |
| Noninterest income to average assets | 0.3845% | 4,188 |
| Noninterest expense to average assets | 1.9406% | 5,581 |
| Loan and lease loss provision to assets | 0.0972% | 2,228 |
| Net operating income to assets | 1.5522% | 846 |
| Return on assets (ROA) | 1.5522% | 884 |
| Pretax return on assets | 1.6246% | 1,312 |
| Return on Equity (ROE) | 14.5018% | 807 |
| Retained earnings to average equity (ytd only) | 6.0996% | 2,183 |
| Net charge-offs to loans | -0.0835% | 5,725 |
| Credit loss provision to net charge-offs | -128.2051% | 5,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9865% | 5,580 |
| Assets per employee ($millions) | 7.2278% | 785 |
| Cash dividends to net income (ytd only)* | 57.9393% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5948% | 1,807 |
| Loan loss allowance to noncurrent loans | 544.5047% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.2975% | 4,578 |
| Noncurrent loans to loans | 0.2929% | 4,539 |
| Net loans and leases to total assets | 90.1575% | 62 |
| Net loans and leases to deposits | 113.7372% | 174 |
| Net loans and leases to core deposits | 117.9607% | 533 |
| Total domestic deposits to total assets | 79.2682% | 4,918 |
| Equity capital to assets | 10.8867% | 3,142 |
| Core capital (leverage) ratio | 10.8636% | 2,631 |
| Tier 1 risk-based capital ratio | 11.5155% | 5,367 |
| Total risk-based capital ratio | 12.7697% | 5,287 |
| Memoranda: | ||
| Average total assets | $274,279,250 | 2,326 |
| Average earning assets | $262,729,500 | 2,265 |
| Average equity | $29,356,500 | 2,375 |
| Average total loans | $249,006,000 | 1,745 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2609% | 2,320 |
| Cost of funding earning assets | 0.8240% | 441 |
| Net interest margin | 3.4369% | 3,763 |
| Noninterest income to average assets | 0.4231% | 3,903 |
| Noninterest expense to average assets | 1.8865% | 5,734 |
| Loan and lease loss provision to assets | 0.1459% | 1,475 |
| Net operating income to assets | 1.6188% | 717 |
| Return on assets (ROA) | 1.6188% | 750 |
| Pretax return on assets | 1.6859% | 1,111 |
| Return on Equity (ROE) | 15.2117% | 711 |
| Retained earnings to average equity (ytd only) | 5.6144% | 2,459 |
| Net charge-offs to loans | -0.1298% | 5,875 |
| Credit loss provision to net charge-offs | -124.2236% | 4,932 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7357% | 5,813 |
| Assets per employee ($millions) | 6.5855% | 1,015 |
| Cash dividends to net income (ytd only)* | 63.0915% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6776% | 1,671 |
| Loan loss allowance to noncurrent loans | 591.7526% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.3606% | 4,452 |
| Noncurrent loans to loans | 0.2835% | 4,661 |
| Net loans and leases to total assets | 89.3952% | 89 |
| Net loans and leases to deposits | 105.7737% | 382 |
| Net loans and leases to core deposits | 110.6312% | 799 |
| Total domestic deposits to total assets | 84.5155% | 3,337 |
| Equity capital to assets | 11.1507% | 2,717 |
| Core capital (leverage) ratio | 10.6132% | 2,837 |
| Tier 1 risk-based capital ratio | 11.8796% | 5,231 |
| Total risk-based capital ratio | 13.1349% | 5,124 |
| Memoranda: | ||
| Average total assets | $274,153,670 | 2,343 |
| Average earning assets | $262,853,330 | 2,279 |
| Average equity | $29,175,000 | 2,403 |
| Average total loans | $248,129,330 | 1,754 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2308% | 2,346 |
| Cost of funding earning assets | 0.8109% | 473 |
| Net interest margin | 3.4199% | 3,762 |
| Noninterest income to average assets | 0.3721% | 4,230 |
| Noninterest expense to average assets | 1.8861% | 5,783 |
| Loan and lease loss provision to assets | 0.2862% | 521 |
| Net operating income to assets | 1.4181% | 999 |
| Return on assets (ROA) | 1.4181% | 1,055 |
| Pretax return on assets | 1.4768% | 1,637 |
| Return on Equity (ROE) | 13.6332% | 951 |
| Retained earnings to average equity (ytd only) | 13.6332% | 388 |
| Net charge-offs to loans | -0.2694% | 6,122 |
| Credit loss provision to net charge-offs | -117.6471% | 4,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6863% | 5,825 |
| Assets per employee ($millions) | 7.1564% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6062% | 2,031 |
| Loan loss allowance to noncurrent loans | 384.6227% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.4722% | 4,139 |
| Noncurrent loans to loans | 0.4176% | 4,338 |
| Net loans and leases to total assets | 88.3880% | 92 |
| Net loans and leases to deposits | 106.1827% | 310 |
| Net loans and leases to core deposits | 110.8385% | 711 |
| Total domestic deposits to total assets | 83.2414% | 4,100 |
| Equity capital to assets | 10.5995% | 3,428 |
| Core capital (leverage) ratio | 10.5676% | 2,885 |
| Tier 1 risk-based capital ratio | 11.6397% | 5,474 |
| Total risk-based capital ratio | 12.8942% | 5,378 |
| Memoranda: | ||
| Average total assets | $279,521,000 | 2,314 |
| Average earning assets | $267,844,000 | 2,263 |
| Average equity | $29,076,000 | 2,424 |
| Average total loans | $252,443,000 | 1,723 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2165% | 2,896 |
| Cost of funding earning assets | 0.8449% | 521 |
| Net interest margin | 3.3716% | 4,320 |
| Noninterest income to average assets | 0.3539% | 4,571 |
| Noninterest expense to average assets | 1.9161% | 5,905 |
| Loan and lease loss provision to assets | 0.2580% | 869 |
| Net operating income to assets | 1.3282% | 1,235 |
| Return on assets (ROA) | 1.3282% | 1,288 |
| Pretax return on assets | 1.4115% | 1,850 |
| Return on Equity (ROE) | 12.6625% | 1,221 |
| Retained earnings to average equity (ytd only) | 2.8221% | 4,231 |
| Net charge-offs to loans | 0.1941% | 2,113 |
| Credit loss provision to net charge-offs | 149.5726% | 1,612 |
| Earnings coverage of net charge-offs (x) | 9.6774% | 2,714 |
| Efficiency ratio | 53.4389% | 5,888 |
| Assets per employee ($millions) | 7.1780% | 770 |
| Cash dividends to net income (ytd only)* | 77.7130% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 2,751 |
| Loan loss allowance to noncurrent loans | 343.7030% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.4769% | 4,210 |
| Noncurrent loans to loans | 0.4186% | 4,387 |
| Net loans and leases to total assets | 89.4868% | 76 |
| Net loans and leases to deposits | 105.0360% | 398 |
| Net loans and leases to core deposits | 109.6414% | 796 |
| Total domestic deposits to total assets | 85.1963% | 3,210 |
| Equity capital to assets | 10.2053% | 3,846 |
| Core capital (leverage) ratio | 10.3646% | 3,096 |
| Tier 1 risk-based capital ratio | 10.9499% | 5,923 |
| Total risk-based capital ratio | 12.2021% | 5,855 |
| Memoranda: | ||
| Average total assets | $271,277,800 | 2,355 |
| Average earning assets | $260,023,200 | 2,275 |
| Average equity | $28,454,200 | 2,377 |
| Average total loans | $241,132,400 | 1,753 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2146% | 2,939 |
| Cost of funding earning assets | 0.8528% | 534 |
| Net interest margin | 3.3619% | 4,383 |
| Noninterest income to average assets | 0.3780% | 4,412 |
| Noninterest expense to average assets | 1.9134% | 5,929 |
| Loan and lease loss provision to assets | 0.2477% | 879 |
| Net operating income to assets | 1.3545% | 1,243 |
| Return on assets (ROA) | 1.3545% | 1,293 |
| Pretax return on assets | 1.4378% | 1,859 |
| Return on Equity (ROE) | 12.8238% | 1,259 |
| Retained earnings to average equity (ytd only) | 2.9738% | 4,484 |
| Net charge-offs to loans | 0.2634% | 1,481 |
| Credit loss provision to net charge-offs | 106.3830% | 2,092 |
| Earnings coverage of net charge-offs (x) | 7.2383% | 2,952 |
| Efficiency ratio | 53.1663% | 5,905 |
| Assets per employee ($millions) | 6.6983% | 919 |
| Cash dividends to net income (ytd only)* | 76.8106% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4920% | 2,755 |
| Loan loss allowance to noncurrent loans | 278.6290% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.5784% | 4,108 |
| Noncurrent loans to loans | 0.5355% | 4,330 |
| Net loans and leases to total assets | 87.3210% | 138 |
| Net loans and leases to deposits | 101.9190% | 508 |
| Net loans and leases to core deposits | 106.7620% | 911 |
| Total domestic deposits to total assets | 85.6769% | 3,028 |
| Equity capital to assets | 10.8867% | 3,079 |
| Core capital (leverage) ratio | 10.4457% | 3,106 |
| Tier 1 risk-based capital ratio | 11.8486% | 5,587 |
| Total risk-based capital ratio | 13.1017% | 5,504 |
| Memoranda: | ||
| Average total assets | $269,111,500 | 2,381 |
| Average earning assets | $257,825,250 | 2,305 |
| Average equity | $28,425,500 | 2,390 |
| Average total loans | $237,873,250 | 1,780 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3109% | 2,548 |
| Cost of funding earning assets | 0.8438% | 574 |
| Net interest margin | 3.4671% | 3,909 |
| Noninterest income to average assets | 0.3974% | 4,261 |
| Noninterest expense to average assets | 1.8481% | 6,078 |
| Loan and lease loss provision to assets | 0.2208% | 1,050 |
| Net operating income to assets | 1.5699% | 760 |
| Return on assets (ROA) | 1.5699% | 791 |
| Pretax return on assets | 1.6523% | 1,134 |
| Return on Equity (ROE) | 15.0102% | 790 |
| Retained earnings to average equity (ytd only) | 5.1582% | 2,855 |
| Net charge-offs to loans | 0.1809% | 1,952 |
| Credit loss provision to net charge-offs | 138.2488% | 1,535 |
| Earnings coverage of net charge-offs (x) | 11.7281% | 2,130 |
| Efficiency ratio | 49.6638% | 6,189 |
| Assets per employee ($millions) | 7.0602% | 778 |
| Cash dividends to net income (ytd only)* | 65.6353% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4819% | 2,984 |
| Loan loss allowance to noncurrent loans | 409.8131% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.3996% | 4,815 |
| Noncurrent loans to loans | 0.3616% | 4,910 |
| Net loans and leases to total assets | 86.9249% | 133 |
| Net loans and leases to deposits | 103.0266% | 399 |
| Net loans and leases to core deposits | 107.8557% | 779 |
| Total domestic deposits to total assets | 84.3713% | 3,794 |
| Equity capital to assets | 10.6437% | 3,264 |
| Core capital (leverage) ratio | 10.3962% | 3,087 |
| Tier 1 risk-based capital ratio | 11.6817% | 5,704 |
| Total risk-based capital ratio | 12.9347% | 5,649 |
| Memoranda: | ||
| Average total assets | $271,737,000 | 2,359 |
| Average earning assets | $260,503,670 | 2,284 |
| Average equity | $28,420,670 | 2,382 |
| Average total loans | $239,975,000 | 1,759 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2472% | 2,697 |
| Cost of funding earning assets | 0.8430% | 603 |
| Net interest margin | 3.4041% | 4,096 |
| Noninterest income to average assets | 0.4637% | 3,681 |
| Noninterest expense to average assets | 1.8372% | 6,167 |
| Loan and lease loss provision to assets | 0.2925% | 669 |
| Net operating income to assets | 1.5169% | 785 |
| Return on assets (ROA) | 1.5169% | 822 |
| Pretax return on assets | 1.6002% | 1,173 |
| Return on Equity (ROE) | 14.6298% | 834 |
| Retained earnings to average equity (ytd only) | 14.6298% | 348 |
| Net charge-offs to loans | 0.3609% | 998 |
| Credit loss provision to net charge-offs | 91.7431% | 1,783 |
| Earnings coverage of net charge-offs (x) | 5.9358% | 2,309 |
| Efficiency ratio | 49.2549% | 6,301 |
| Assets per employee ($millions) | 7.1885% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4028% | 3,588 |
| Loan loss allowance to noncurrent loans | 344.4894% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.5352% | 4,542 |
| Noncurrent loans to loans | 0.4072% | 4,914 |
| Net loans and leases to total assets | 87.6638% | 91 |
| Net loans and leases to deposits | 105.4099% | 248 |
| Net loans and leases to core deposits | 109.5433% | 602 |
| Total domestic deposits to total assets | 83.1647% | 4,545 |
| Equity capital to assets | 10.5651% | 3,187 |
| Core capital (leverage) ratio | 10.5242% | 2,899 |
| Tier 1 risk-based capital ratio | 11.4638% | 5,936 |
| Total risk-based capital ratio | 12.7154% | 5,883 |
| Memoranda: | ||
| Average total assets | $273,461,000 | 2,355 |
| Average earning assets | $262,387,000 | 2,267 |
| Average equity | $28,353,000 | 2,379 |
| Average total loans | $241,603,500 | 1,747 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2973% | 2,971 |
| Cost of funding earning assets | 0.9728% | 522 |
| Net interest margin | 3.3245% | 4,576 |
| Noninterest income to average assets | 0.4754% | 3,923 |
| Noninterest expense to average assets | 1.9064% | 6,179 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.6512% | 632 |
| Return on assets (ROA) | 1.6541% | 641 |
| Pretax return on assets | 1.7263% | 899 |
| Return on Equity (ROE) | 16.2753% | 589 |
| Retained earnings to average equity (ytd only) | 6.5153% | 1,676 |
| Net charge-offs to loans | -0.0623% | 6,377 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5214% | 6,251 |
| Assets per employee ($millions) | 7.0194% | 756 |
| Cash dividends to net income (ytd only)* | 59.9683% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4251% | 3,533 |
| Loan loss allowance to noncurrent loans | 1,381.0484% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.2148% | 5,637 |
| Noncurrent loans to loans | 0.1032% | 5,903 |
| Net loans and leases to total assets | 86.5396% | 130 |
| Net loans and leases to deposits | 102.1591% | 387 |
| Net loans and leases to core deposits | 105.2882% | 833 |
| Total domestic deposits to total assets | 84.7106% | 3,886 |
| Equity capital to assets | 10.1718% | 3,543 |
| Core capital (leverage) ratio | 10.2397% | 3,233 |
| Tier 1 risk-based capital ratio | 11.1785% | 6,087 |
| Total risk-based capital ratio | 12.4308% | 6,036 |
| Memoranda: | ||
| Average total assets | $267,157,800 | 2,378 |
| Average earning assets | $253,485,200 | 2,302 |
| Average equity | $27,151,600 | 2,448 |
| Average total loans | $221,657,200 | 1,847 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2939% | 3,022 |
| Cost of funding earning assets | 0.9924% | 511 |
| Net interest margin | 3.3015% | 4,633 |
| Noninterest income to average assets | 0.4590% | 4,088 |
| Noninterest expense to average assets | 1.8314% | 6,300 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.6689% | 659 |
| Return on assets (ROA) | 1.6727% | 686 |
| Pretax return on assets | 1.7556% | 983 |
| Return on Equity (ROE) | 16.4624% | 590 |
| Retained earnings to average equity (ytd only) | 6.5780% | 2,090 |
| Net charge-offs to loans | -0.0522% | 6,327 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1142% | 6,321 |
| Assets per employee ($millions) | 6.9617% | 766 |
| Cash dividends to net income (ytd only)* | 60.0421% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5165% | 3,390 |
| Loan loss allowance to noncurrent loans | 1,539.7260% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.2491% | 5,698 |
| Noncurrent loans to loans | 0.0985% | 6,041 |
| Net loans and leases to total assets | 82.7775% | 310 |
| Net loans and leases to deposits | 98.6081% | 528 |
| Net loans and leases to core deposits | 101.7589% | 1,008 |
| Total domestic deposits to total assets | 83.9459% | 4,208 |
| Equity capital to assets | 10.3537% | 3,445 |
| Core capital (leverage) ratio | 10.3130% | 3,224 |
| Tier 1 risk-based capital ratio | 11.8362% | 5,884 |
| Total risk-based capital ratio | 13.0893% | 5,834 |
| Memoranda: | ||
| Average total assets | $265,507,750 | 2,403 |
| Average earning assets | $251,234,250 | 2,331 |
| Average equity | $26,978,000 | 2,487 |
| Average total loans | $216,988,000 | 1,886 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3146% | 2,892 |
| Cost of funding earning assets | 1.0069% | 527 |
| Net interest margin | 3.3077% | 4,547 |
| Noninterest income to average assets | 0.4620% | 4,080 |
| Noninterest expense to average assets | 1.7598% | 6,436 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.7420% | 583 |
| Return on assets (ROA) | 1.7477% | 621 |
| Pretax return on assets | 1.8297% | 870 |
| Return on Equity (ROE) | 17.3096% | 528 |
| Retained earnings to average equity (ytd only) | 6.8776% | 1,944 |
| Net charge-offs to loans | -0.0567% | 6,311 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1077% | 6,477 |
| Assets per employee ($millions) | 6.8321% | 777 |
| Cash dividends to net income (ytd only)* | 60.2669% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5112% | 3,536 |
| Loan loss allowance to noncurrent loans | 1,389.2116% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.2623% | 5,702 |
| Noncurrent loans to loans | 0.1088% | 6,069 |
| Net loans and leases to total assets | 84.0462% | 235 |
| Net loans and leases to deposits | 100.1542% | 417 |
| Net loans and leases to core deposits | 103.6816% | 854 |
| Total domestic deposits to total assets | 83.9168% | 4,356 |
| Equity capital to assets | 10.3948% | 3,434 |
| Core capital (leverage) ratio | 10.0688% | 3,418 |
| Tier 1 risk-based capital ratio | 11.6741% | 6,008 |
| Total risk-based capital ratio | 12.9269% | 5,960 |
| Memoranda: | ||
| Average total assets | $265,829,330 | 2,406 |
| Average earning assets | $250,871,330 | 2,339 |
| Average equity | $26,840,670 | 2,504 |
| Average total loans | $215,199,330 | 1,902 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2735% | 3,012 |
| Cost of funding earning assets | 1.0149% | 565 |
| Net interest margin | 3.2587% | 4,686 |
| Noninterest income to average assets | 0.4298% | 4,251 |
| Noninterest expense to average assets | 1.8532% | 6,360 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5593% | 757 |
| Return on assets (ROA) | 1.5706% | 810 |
| Pretax return on assets | 1.6450% | 1,200 |
| Return on Equity (ROE) | 15.7803% | 642 |
| Retained earnings to average equity (ytd only) | 15.7803% | 297 |
| Net charge-offs to loans | -0.1075% | 6,478 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1570% | 6,285 |
| Assets per employee ($millions) | 7.3027% | 670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6117% | 3,351 |
| Loan loss allowance to noncurrent loans | 3,888.3721% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.1947% | 5,985 |
| Noncurrent loans to loans | 0.0414% | 6,360 |
| Net loans and leases to total assets | 75.5504% | 897 |
| Net loans and leases to deposits | 89.4009% | 1,015 |
| Net loans and leases to core deposits | 92.2887% | 1,480 |
| Total domestic deposits to total assets | 84.5075% | 4,262 |
| Equity capital to assets | 10.0958% | 4,021 |
| Core capital (leverage) ratio | 9.8287% | 3,626 |
| Tier 1 risk-based capital ratio | 12.5954% | 5,519 |
| Total risk-based capital ratio | 13.8498% | 5,463 |
| Memoranda: | ||
| Average total assets | $268,934,500 | 2,401 |
| Average earning assets | $252,250,000 | 2,351 |
| Average equity | $26,767,500 | 2,540 |
| Average total loans | $212,025,000 | 1,929 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8265% | 2,100 |
| Cost of funding earning assets | 1.1763% | 643 |
| Net interest margin | 3.6502% | 3,874 |
| Noninterest income to average assets | 0.6014% | 3,270 |
| Noninterest expense to average assets | 1.8920% | 6,502 |
| Loan and lease loss provision to assets | 0.1020% | 4,364 |
| Net operating income to assets | 1.9552% | 389 |
| Return on assets (ROA) | 1.9614% | 419 |
| Pretax return on assets | 2.0618% | 532 |
| Return on Equity (ROE) | 18.7529% | 377 |
| Retained earnings to average equity (ytd only) | 7.0494% | 1,545 |
| Net charge-offs to loans | -0.0059% | 6,396 |
| Credit loss provision to net charge-offs | -2,083.3333% | 6,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7251% | 6,764 |
| Assets per employee ($millions) | 7.2343% | 695 |
| Cash dividends to net income (ytd only)* | 62.4090% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5178% | 3,673 |
| Loan loss allowance to noncurrent loans | 345.2731% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.5200% | 5,179 |
| Noncurrent loans to loans | 0.4396% | 5,399 |
| Net loans and leases to total assets | 79.6812% | 504 |
| Net loans and leases to deposits | 93.7668% | 765 |
| Net loans and leases to core deposits | 96.5868% | 1,256 |
| Total domestic deposits to total assets | 84.9780% | 3,872 |
| Equity capital to assets | 9.8092% | 4,439 |
| Core capital (leverage) ratio | 10.0785% | 3,302 |
| Tier 1 risk-based capital ratio | 11.3880% | 6,167 |
| Total risk-based capital ratio | 12.6410% | 6,137 |
| Memoranda: | ||
| Average total assets | $245,083,000 | 2,573 |
| Average earning assets | $231,493,000 | 2,487 |
| Average equity | $25,633,400 | 2,602 |
| Average total loans | $204,723,200 | 1,969 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9196% | 1,939 |
| Cost of funding earning assets | 1.2034% | 682 |
| Net interest margin | 3.7161% | 3,725 |
| Noninterest income to average assets | 0.5407% | 3,667 |
| Noninterest expense to average assets | 1.8816% | 6,555 |
| Loan and lease loss provision to assets | 0.1392% | 3,798 |
| Net operating income to assets | 1.9774% | 395 |
| Return on assets (ROA) | 1.9774% | 451 |
| Pretax return on assets | 2.0587% | 615 |
| Return on Equity (ROE) | 18.5831% | 433 |
| Retained earnings to average equity (ytd only) | 7.5934% | 1,803 |
| Net charge-offs to loans | -0.0066% | 6,302 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1234% | 6,811 |
| Assets per employee ($millions) | 6.4779% | 965 |
| Cash dividends to net income (ytd only)* | 59.1382% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6091% | 3,482 |
| Loan loss allowance to noncurrent loans | 325.5699% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.6045% | 5,164 |
| Noncurrent loans to loans | 0.4942% | 5,457 |
| Net loans and leases to total assets | 83.8061% | 237 |
| Net loans and leases to deposits | 100.6333% | 411 |
| Net loans and leases to core deposits | 103.5813% | 890 |
| Total domestic deposits to total assets | 83.2787% | 4,528 |
| Equity capital to assets | 10.8381% | 3,456 |
| Core capital (leverage) ratio | 10.4467% | 2,980 |
| Tier 1 risk-based capital ratio | 11.9262% | 5,976 |
| Total risk-based capital ratio | 13.1801% | 5,962 |
| Memoranda: | ||
| Average total assets | $239,436,750 | 2,659 |
| Average earning assets | $228,008,750 | 2,550 |
| Average equity | $25,477,750 | 2,640 |
| Average total loans | $201,762,000 | 2,015 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9247% | 2,007 |
| Cost of funding earning assets | 1.2198% | 753 |
| Net interest margin | 3.7049% | 3,792 |
| Noninterest income to average assets | 0.6952% | 2,700 |
| Noninterest expense to average assets | 1.8366% | 6,708 |
| Loan and lease loss provision to assets | 0.2089% | 2,989 |
| Net operating income to assets | 2.1032% | 340 |
| Return on assets (ROA) | 2.1032% | 379 |
| Pretax return on assets | 2.1825% | 499 |
| Return on Equity (ROE) | 19.8883% | 365 |
| Retained earnings to average equity (ytd only) | 8.0359% | 1,624 |
| Net charge-offs to loans | -0.0020% | 6,089 |
| Credit loss provision to net charge-offs | -12,500.0000% | 6,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4387% | 6,972 |
| Assets per employee ($millions) | 6.4358% | 995 |
| Cash dividends to net income (ytd only)* | 59.5948% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6463% | 3,437 |
| Loan loss allowance to noncurrent loans | 300.9183% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.6669% | 5,110 |
| Noncurrent loans to loans | 0.5471% | 5,424 |
| Net loans and leases to total assets | 82.2176% | 327 |
| Net loans and leases to deposits | 98.6675% | 487 |
| Net loans and leases to core deposits | 101.5662% | 1,001 |
| Total domestic deposits to total assets | 83.3279% | 4,615 |
| Equity capital to assets | 10.7314% | 3,416 |
| Core capital (leverage) ratio | 10.4103% | 2,911 |
| Tier 1 risk-based capital ratio | 11.9704% | 5,953 |
| Total risk-based capital ratio | 13.2249% | 5,922 |
| Memoranda: | ||
| Average total assets | $239,354,670 | 2,666 |
| Average earning assets | $228,238,000 | 2,542 |
| Average equity | $25,311,330 | 2,631 |
| Average total loans | $200,964,670 | 2,012 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9409% | 2,085 |
| Cost of funding earning assets | 1.2265% | 864 |
| Net interest margin | 3.7144% | 3,768 |
| Noninterest income to average assets | 0.8001% | 2,167 |
| Noninterest expense to average assets | 1.9169% | 6,614 |
| Loan and lease loss provision to assets | 0.2084% | 2,866 |
| Net operating income to assets | 2.1419% | 321 |
| Return on assets (ROA) | 2.1419% | 375 |
| Pretax return on assets | 2.2286% | 514 |
| Return on Equity (ROE) | 20.4049% | 364 |
| Retained earnings to average equity (ytd only) | 20.4049% | 181 |
| Net charge-offs to loans | 0.0020% | 4,721 |
| Credit loss provision to net charge-offs | 12,500.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 1,462.0000% | 9 |
| Efficiency ratio | 44.0276% | 6,990 |
| Assets per employee ($millions) | 6.2436% | 1,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5290% | 4,028 |
| Loan loss allowance to noncurrent loans | 220.8275% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.8114% | 4,918 |
| Noncurrent loans to loans | 0.6924% | 5,281 |
| Net loans and leases to total assets | 85.4795% | 136 |
| Net loans and leases to deposits | 106.0457% | 207 |
| Net loans and leases to core deposits | 108.8073% | 578 |
| Total domestic deposits to total assets | 80.6063% | 5,699 |
| Equity capital to assets | 10.8777% | 3,054 |
| Core capital (leverage) ratio | 10.7401% | 2,509 |
| Tier 1 risk-based capital ratio | 11.7676% | 6,112 |
| Total risk-based capital ratio | 13.0206% | 6,091 |
| Memoranda: | ||
| Average total assets | $239,970,500 | 2,671 |
| Average earning assets | $229,591,500 | 2,537 |
| Average equity | $25,190,000 | 2,643 |
| Average total loans | $201,919,000 | 2,019 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1642% | 2,206 |
| Cost of funding earning assets | 1.5179% | 665 |
| Net interest margin | 3.6463% | 4,538 |
| Noninterest income to average assets | 0.5688% | 3,371 |
| Noninterest expense to average assets | 1.9633% | 6,741 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.9858% | 318 |
| Return on assets (ROA) | 1.9858% | 338 |
| Pretax return on assets | 2.0809% | 457 |
| Return on Equity (ROE) | 18.5176% | 347 |
| Retained earnings to average equity (ytd only) | 1.7897% | 4,939 |
| Net charge-offs to loans | 0.2828% | 4,011 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 9.0150% | 2,050 |
| Efficiency ratio | 48.5464% | 6,915 |
| Assets per employee ($millions) | 6.2227% | 1,085 |
| Cash dividends to net income (ytd only)* | 90.3352% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5287% | 3,891 |
| Loan loss allowance to noncurrent loans | 254.2017% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.6717% | 5,304 |
| Noncurrent loans to loans | 0.6014% | 5,516 |
| Net loans and leases to total assets | 80.2929% | 462 |
| Net loans and leases to deposits | 95.8060% | 681 |
| Net loans and leases to core deposits | 99.1376% | 1,249 |
| Total domestic deposits to total assets | 83.8077% | 4,410 |
| Equity capital to assets | 10.1251% | 4,001 |
| Core capital (leverage) ratio | 9.9752% | 3,370 |
| Tier 1 risk-based capital ratio | 11.6009% | 6,095 |
| Total risk-based capital ratio | 12.8539% | 6,076 |
| Memoranda: | ||
| Average total assets | $231,347,600 | 2,707 |
| Average earning assets | $220,500,000 | 2,603 |
| Average equity | $24,808,800 | 2,601 |
| Average total loans | $188,846,800 | 2,145 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2403% | 2,062 |
| Cost of funding earning assets | 1.5821% | 630 |
| Net interest margin | 3.6582% | 4,535 |
| Noninterest income to average assets | 0.4942% | 3,916 |
| Noninterest expense to average assets | 1.9517% | 6,779 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.9342% | 395 |
| Return on assets (ROA) | 1.9342% | 431 |
| Pretax return on assets | 2.0258% | 596 |
| Return on Equity (ROE) | 17.7734% | 478 |
| Retained earnings to average equity (ytd only) | 6.2461% | 2,402 |
| Net charge-offs to loans | 0.2122% | 4,104 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 11.6902% | 1,786 |
| Efficiency ratio | 49.0685% | 6,882 |
| Assets per employee ($millions) | 5.9387% | 1,247 |
| Cash dividends to net income (ytd only)* | 64.8568% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7992% | 2,949 |
| Loan loss allowance to noncurrent loans | 202.2319% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.6964% | 5,404 |
| Noncurrent loans to loans | 0.8897% | 5,081 |
| Net loans and leases to total assets | 76.8717% | 859 |
| Net loans and leases to deposits | 93.2801% | 901 |
| Net loans and leases to core deposits | 96.7446% | 1,531 |
| Total domestic deposits to total assets | 82.4095% | 4,921 |
| Equity capital to assets | 10.9301% | 3,207 |
| Core capital (leverage) ratio | 10.5524% | 2,806 |
| Tier 1 risk-based capital ratio | 12.9391% | 5,142 |
| Total risk-based capital ratio | 14.1954% | 5,106 |
| Memoranda: | ||
| Average total assets | $228,513,500 | 2,744 |
| Average earning assets | $217,589,250 | 2,656 |
| Average equity | $24,868,000 | 2,592 |
| Average total loans | $186,587,750 | 2,183 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2550% | 2,049 |
| Cost of funding earning assets | 1.6249% | 634 |
| Net interest margin | 3.6301% | 4,602 |
| Noninterest income to average assets | 0.5178% | 3,728 |
| Noninterest expense to average assets | 1.9738% | 6,847 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.9096% | 403 |
| Return on assets (ROA) | 1.9096% | 432 |
| Pretax return on assets | 2.0010% | 588 |
| Return on Equity (ROE) | 17.5735% | 504 |
| Retained earnings to average equity (ytd only) | 8.2689% | 1,355 |
| Net charge-offs to loans | 0.3079% | 3,335 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 7.8483% | 2,154 |
| Efficiency ratio | 49.6572% | 6,964 |
| Assets per employee ($millions) | 5.5046% | 1,564 |
| Cash dividends to net income (ytd only)* | 52.9466% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7572% | 3,132 |
| Loan loss allowance to noncurrent loans | 432.9801% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.3695% | 6,214 |
| Noncurrent loans to loans | 0.4058% | 6,092 |
| Net loans and leases to total assets | 80.9799% | 449 |
| Net loans and leases to deposits | 97.3443% | 629 |
| Net loans and leases to core deposits | 101.0170% | 1,256 |
| Total domestic deposits to total assets | 83.1891% | 4,680 |
| Equity capital to assets | 11.1181% | 2,848 |
| Core capital (leverage) ratio | 10.4978% | 2,716 |
| Tier 1 risk-based capital ratio | 12.5358% | 5,313 |
| Total risk-based capital ratio | 13.7914% | 5,283 |
| Memoranda: | ||
| Average total assets | $227,482,000 | 2,775 |
| Average earning assets | $216,632,000 | 2,679 |
| Average equity | $24,719,000 | 2,586 |
| Average total loans | $188,349,330 | 2,190 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2645% | 1,993 |
| Cost of funding earning assets | 1.6408% | 702 |
| Net interest margin | 3.6237% | 4,464 |
| Noninterest income to average assets | 0.5517% | 3,497 |
| Noninterest expense to average assets | 1.9739% | 6,869 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.9354% | 383 |
| Return on assets (ROA) | 1.9354% | 402 |
| Pretax return on assets | 2.0282% | 529 |
| Return on Equity (ROE) | 18.0169% | 481 |
| Retained earnings to average equity (ytd only) | 18.0169% | 239 |
| Net charge-offs to loans | 0.0148% | 4,877 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 165.4286% | 189 |
| Efficiency ratio | 49.3217% | 7,042 |
| Assets per employee ($millions) | 5.8305% | 1,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8837% | 2,750 |
| Loan loss allowance to noncurrent loans | 342.5265% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.5352% | 5,893 |
| Noncurrent loans to loans | 0.5499% | 5,924 |
| Net loans and leases to total assets | 81.3650% | 407 |
| Net loans and leases to deposits | 98.4489% | 550 |
| Net loans and leases to core deposits | 102.1595% | 1,190 |
| Total domestic deposits to total assets | 82.6469% | 5,044 |
| Equity capital to assets | 11.0370% | 2,650 |
| Core capital (leverage) ratio | 10.6718% | 2,456 |
| Tier 1 risk-based capital ratio | 12.4296% | 5,331 |
| Total risk-based capital ratio | 13.6869% | 5,300 |
| Memoranda: | ||
| Average total assets | $228,379,500 | 2,787 |
| Average earning assets | $217,455,500 | 2,697 |
| Average equity | $24,532,500 | 2,594 |
| Average total loans | $189,509,000 | 2,203 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4940% | 2,313 |
| Cost of funding earning assets | 2.0071% | 592 |
| Net interest margin | 3.4869% | 5,296 |
| Noninterest income to average assets | 0.6224% | 3,328 |
| Noninterest expense to average assets | 1.9790% | 7,056 |
| Loan and lease loss provision to assets | 0.0553% | 6,591 |
| Net operating income to assets | 1.7824% | 437 |
| Return on assets (ROA) | 1.7824% | 473 |
| Pretax return on assets | 1.8667% | 657 |
| Return on Equity (ROE) | 17.3520% | 444 |
| Retained earnings to average equity (ytd only) | 8.4546% | 852 |
| Net charge-offs to loans | -0.0937% | 7,498 |
| Credit loss provision to net charge-offs | -72.9412% | 7,016 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7314% | 7,073 |
| Assets per employee ($millions) | 6.0361% | 1,183 |
| Cash dividends to net income (ytd only)* | 51.2756% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8687% | 2,644 |
| Loan loss allowance to noncurrent loans | 284.9480% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.9134% | 5,192 |
| Noncurrent loans to loans | 0.6558% | 5,743 |
| Net loans and leases to total assets | 81.4806% | 491 |
| Net loans and leases to deposits | 97.5347% | 751 |
| Net loans and leases to core deposits | 100.9659% | 1,538 |
| Total domestic deposits to total assets | 83.5401% | 4,584 |
| Equity capital to assets | 10.4495% | 3,214 |
| Core capital (leverage) ratio | 10.1637% | 2,907 |
| Tier 1 risk-based capital ratio | 11.7202% | 5,708 |
| Total risk-based capital ratio | 12.9770% | 5,709 |
| Memoranda: | ||
| Average total assets | $224,301,400 | 2,819 |
| Average earning assets | $210,902,000 | 2,747 |
| Average equity | $23,040,600 | 2,755 |
| Average total loans | $181,477,400 | 2,338 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5493% | 2,260 |
| Cost of funding earning assets | 2.0729% | 592 |
| Net interest margin | 3.4765% | 5,383 |
| Noninterest income to average assets | 0.5422% | 3,848 |
| Noninterest expense to average assets | 1.9668% | 7,107 |
| Loan and lease loss provision to assets | 0.0741% | 6,315 |
| Net operating income to assets | 1.6822% | 646 |
| Return on assets (ROA) | 1.6822% | 698 |
| Pretax return on assets | 1.7617% | 989 |
| Return on Equity (ROE) | 16.4494% | 658 |
| Retained earnings to average equity (ytd only) | 7.3888% | 1,650 |
| Net charge-offs to loans | -0.1272% | 7,579 |
| Credit loss provision to net charge-offs | -72.5146% | 6,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7214% | 7,005 |
| Assets per employee ($millions) | 5.8447% | 1,357 |
| Cash dividends to net income (ytd only)* | 55.0818% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0545% | 2,091 |
| Loan loss allowance to noncurrent loans | 286.1736% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 1.3859% | 4,392 |
| Noncurrent loans to loans | 0.7179% | 5,777 |
| Net loans and leases to total assets | 76.4167% | 1,327 |
| Net loans and leases to deposits | 92.9138% | 1,339 |
| Net loans and leases to core deposits | 96.4866% | 2,201 |
| Total domestic deposits to total assets | 82.2448% | 4,894 |
| Equity capital to assets | 10.5809% | 3,430 |
| Core capital (leverage) ratio | 10.0657% | 3,186 |
| Tier 1 risk-based capital ratio | 12.3292% | 5,143 |
| Total risk-based capital ratio | 13.5882% | 5,106 |
| Memoranda: | ||
| Average total assets | $223,034,250 | 2,871 |
| Average earning assets | $209,172,500 | 2,802 |
| Average equity | $22,808,750 | 2,830 |
| Average total loans | $179,234,000 | 2,402 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5707% | 2,249 |
| Cost of funding earning assets | 2.1107% | 637 |
| Net interest margin | 3.4599% | 5,403 |
| Noninterest income to average assets | 0.4406% | 4,602 |
| Noninterest expense to average assets | 2.0309% | 7,052 |
| Loan and lease loss provision to assets | 0.1110% | 5,793 |
| Net operating income to assets | 1.4623% | 972 |
| Return on assets (ROA) | 1.4623% | 1,035 |
| Pretax return on assets | 1.5411% | 1,454 |
| Return on Equity (ROE) | 14.4652% | 948 |
| Retained earnings to average equity (ytd only) | 4.7213% | 3,070 |
| Net charge-offs to loans | -0.1810% | 7,633 |
| Credit loss provision to net charge-offs | -75.6098% | 6,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1422% | 6,743 |
| Assets per employee ($millions) | 5.8176% | 1,363 |
| Cash dividends to net income (ytd only)* | 67.3607% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0778% | 2,016 |
| Loan loss allowance to noncurrent loans | 383.6933% | 789 |
| Noncurrent assets plus other real estate owned to assets | 1.2295% | 4,681 |
| Noncurrent loans to loans | 0.5415% | 6,168 |
| Net loans and leases to total assets | 75.7432% | 1,536 |
| Net loans and leases to deposits | 92.3386% | 1,477 |
| Net loans and leases to core deposits | 95.6091% | 2,492 |
| Total domestic deposits to total assets | 82.0277% | 4,972 |
| Equity capital to assets | 10.2507% | 3,704 |
| Core capital (leverage) ratio | 9.8213% | 3,371 |
| Tier 1 risk-based capital ratio | 12.0322% | 5,278 |
| Total risk-based capital ratio | 13.2915% | 5,239 |
| Memoranda: | ||
| Average total assets | $223,346,330 | 2,892 |
| Average earning assets | $209,311,000 | 2,821 |
| Average equity | $22,578,330 | 2,849 |
| Average total loans | $181,218,670 | 2,412 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5688% | 2,286 |
| Cost of funding earning assets | 2.1407% | 713 |
| Net interest margin | 3.4282% | 5,471 |
| Noninterest income to average assets | 0.4633% | 4,351 |
| Noninterest expense to average assets | 2.0206% | 7,125 |
| Loan and lease loss provision to assets | 0.2209% | 4,291 |
| Net operating income to assets | 1.3524% | 1,179 |
| Return on assets (ROA) | 1.3524% | 1,247 |
| Pretax return on assets | 1.4290% | 1,697 |
| Return on Equity (ROE) | 13.4712% | 1,157 |
| Retained earnings to average equity (ytd only) | 13.4712% | 563 |
| Net charge-offs to loans | -0.3048% | 7,746 |
| Credit loss provision to net charge-offs | -87.3239% | 6,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0485% | 6,883 |
| Assets per employee ($millions) | 5.8154% | 1,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9312% | 2,361 |
| Loan loss allowance to noncurrent loans | 452.1127% | 701 |
| Noncurrent assets plus other real estate owned to assets | 1.2164% | 4,741 |
| Noncurrent loans to loans | 0.4272% | 6,442 |
| Net loans and leases to total assets | 81.1396% | 695 |
| Net loans and leases to deposits | 99.0274% | 819 |
| Net loans and leases to core deposits | 102.2479% | 1,875 |
| Total domestic deposits to total assets | 81.9365% | 5,100 |
| Equity capital to assets | 10.3635% | 3,390 |
| Core capital (leverage) ratio | 9.9027% | 3,285 |
| Tier 1 risk-based capital ratio | 11.6435% | 5,535 |
| Total risk-based capital ratio | 12.9013% | 5,489 |
| Memoranda: | ||
| Average total assets | $224,485,500 | 2,935 |
| Average earning assets | $210,025,500 | 2,875 |
| Average equity | $22,537,000 | 2,874 |
| Average total loans | $186,329,500 | 2,413 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7968% | 2,668 |
| Cost of funding earning assets | 2.7454% | 523 |
| Net interest margin | 3.0514% | 6,517 |
| Noninterest income to average assets | 0.7119% | 2,890 |
| Noninterest expense to average assets | 1.6727% | 7,719 |
| Loan and lease loss provision to assets | 0.8660% | 2,578 |
| Net operating income to assets | 0.9749% | 1,928 |
| Return on assets (ROA) | 0.9773% | 1,970 |
| Pretax return on assets | 1.0518% | 2,404 |
| Return on Equity (ROE) | 10.4523% | 1,565 |
| Retained earnings to average equity (ytd only) | 4.2004% | 2,278 |
| Net charge-offs to loans | 0.5933% | 3,440 |
| Credit loss provision to net charge-offs | 173.7619% | 2,432 |
| Earnings coverage of net charge-offs (x) | 3.8427% | 3,176 |
| Efficiency ratio | 46.5484% | 7,689 |
| Assets per employee ($millions) | 5.9996% | 1,245 |
| Cash dividends to net income (ytd only)* | 59.8139% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7201% | 2,833 |
| Loan loss allowance to noncurrent loans | 164.0704% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.9847% | 5,142 |
| Noncurrent loans to loans | 1.0484% | 5,221 |
| Net loans and leases to total assets | 81.8281% | 710 |
| Net loans and leases to deposits | 100.0139% | 902 |
| Net loans and leases to core deposits | 117.0541% | 2,219 |
| Total domestic deposits to total assets | 81.8167% | 5,025 |
| Equity capital to assets | 9.7252% | 4,109 |
| Core capital (leverage) ratio | 9.2552% | 4,046 |
| Tier 1 risk-based capital ratio | 10.8636% | 6,052 |
| Total risk-based capital ratio | 12.1188% | 6,016 |
| Memoranda: | ||
| Average total assets | $230,947,000 | 2,809 |
| Average earning assets | $217,673,000 | 2,735 |
| Average equity | $21,593,400 | 3,003 |
| Average total loans | $194,014,000 | 2,353 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8341% | 2,727 |
| Cost of funding earning assets | 2.8375% | 541 |
| Net interest margin | 2.9966% | 6,622 |
| Noninterest income to average assets | 0.7136% | 2,928 |
| Noninterest expense to average assets | 1.5118% | 7,882 |
| Loan and lease loss provision to assets | 1.1509% | 1,688 |
| Net operating income to assets | 0.8054% | 2,788 |
| Return on assets (ROA) | 0.8085% | 2,842 |
| Pretax return on assets | 0.8839% | 3,275 |
| Return on Equity (ROE) | 8.7338% | 2,361 |
| Retained earnings to average equity (ytd only) | 3.1392% | 3,563 |
| Net charge-offs to loans | 0.5707% | 2,968 |
| Credit loss provision to net charge-offs | 239.5210% | 1,827 |
| Earnings coverage of net charge-offs (x) | 4.2275% | 3,207 |
| Efficiency ratio | 42.5694% | 7,873 |
| Assets per employee ($millions) | 6.3587% | 1,051 |
| Cash dividends to net income (ytd only)* | 64.0568% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9189% | 1,982 |
| Loan loss allowance to noncurrent loans | 159.0142% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 1.1109% | 4,854 |
| Noncurrent loans to loans | 1.2068% | 4,934 |
| Net loans and leases to total assets | 79.9575% | 1,179 |
| Net loans and leases to deposits | 101.5000% | 968 |
| Net loans and leases to core deposits | 120.8951% | 2,169 |
| Total domestic deposits to total assets | 78.7759% | 5,873 |
| Equity capital to assets | 9.5516% | 4,676 |
| Core capital (leverage) ratio | 9.0108% | 4,631 |
| Tier 1 risk-based capital ratio | 10.8655% | 6,093 |
| Total risk-based capital ratio | 12.1233% | 6,041 |
| Memoranda: | ||
| Average total assets | $231,687,750 | 2,823 |
| Average earning assets | $218,778,500 | 2,737 |
| Average equity | $21,448,750 | 3,035 |
| Average total loans | $195,062,500 | 2,372 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9073% | 2,554 |
| Cost of funding earning assets | 2.9177% | 578 |
| Net interest margin | 2.9895% | 6,581 |
| Noninterest income to average assets | 0.9759% | 1,672 |
| Noninterest expense to average assets | 1.5382% | 7,954 |
| Loan and lease loss provision to assets | 1.4617% | 1,187 |
| Net operating income to assets | 0.7279% | 3,143 |
| Return on assets (ROA) | 0.7325% | 3,228 |
| Pretax return on assets | 0.8082% | 3,644 |
| Return on Equity (ROE) | 7.9962% | 2,769 |
| Retained earnings to average equity (ytd only) | 1.8958% | 4,289 |
| Net charge-offs to loans | 0.7631% | 2,151 |
| Credit loss provision to net charge-offs | 225.1656% | 2,043 |
| Earnings coverage of net charge-offs (x) | 3.4887% | 3,424 |
| Efficiency ratio | 40.3346% | 8,014 |
| Assets per employee ($millions) | 6.3731% | 1,017 |
| Cash dividends to net income (ytd only)* | 76.2911% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7742% | 2,118 |
| Loan loss allowance to noncurrent loans | 128.2335% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 1.4920% | 3,999 |
| Noncurrent loans to loans | 1.3836% | 4,446 |
| Net loans and leases to total assets | 81.1028% | 1,121 |
| Net loans and leases to deposits | 104.0182% | 914 |
| Net loans and leases to core deposits | 126.5308% | 1,817 |
| Total domestic deposits to total assets | 77.9698% | 6,081 |
| Equity capital to assets | 9.3296% | 4,828 |
| Core capital (leverage) ratio | 8.7360% | 5,032 |
| Tier 1 risk-based capital ratio | 10.5740% | 6,316 |
| Total risk-based capital ratio | 11.8303% | 6,252 |
| Memoranda: | ||
| Average total assets | $232,612,330 | 2,830 |
| Average earning assets | $219,966,330 | 2,742 |
| Average equity | $21,310,000 | 3,061 |
| Average total loans | $197,878,330 | 2,374 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0212% | 2,275 |
| Cost of funding earning assets | 2.9844% | 625 |
| Net interest margin | 3.0368% | 6,387 |
| Noninterest income to average assets | 1.2622% | 897 |
| Noninterest expense to average assets | 1.4517% | 8,019 |
| Loan and lease loss provision to assets | 2.3911% | 488 |
| Net operating income to assets | 0.2050% | 5,643 |
| Return on assets (ROA) | 0.2050% | 5,809 |
| Pretax return on assets | 0.2903% | 5,701 |
| Return on Equity (ROE) | 2.2575% | 5,683 |
| Retained earnings to average equity (ytd only) | 2.2575% | 4,620 |
| Net charge-offs to loans | 1.4785% | 975 |
| Credit loss provision to net charge-offs | 187.4163% | 2,340 |
| Earnings coverage of net charge-offs (x) | 2.1017% | 3,674 |
| Efficiency ratio | 35.0413% | 8,114 |
| Assets per employee ($millions) | 6.7174% | 871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5612% | 2,683 |
| Loan loss allowance to noncurrent loans | 106.7478% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 1.6779% | 3,409 |
| Noncurrent loans to loans | 1.4625% | 4,110 |
| Net loans and leases to total assets | 82.3086% | 968 |
| Net loans and leases to deposits | 105.2192% | 926 |
| Net loans and leases to core deposits | 132.1815% | 1,523 |
| Total domestic deposits to total assets | 78.2258% | 5,936 |
| Equity capital to assets | 9.0754% | 5,258 |
| Core capital (leverage) ratio | 8.5358% | 5,461 |
| Tier 1 risk-based capital ratio | 10.0441% | 6,864 |
| Total risk-based capital ratio | 11.2976% | 6,775 |
| Memoranda: | ||
| Average total assets | $234,203,000 | 2,832 |
| Average earning assets | $221,418,000 | 2,743 |
| Average equity | $21,262,500 | 3,084 |
| Average total loans | $202,099,500 | 2,346 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5130% | 2,893 |
| Cost of funding earning assets | 3.4371% | 631 |
| Net interest margin | 3.0759% | 6,719 |
| Noninterest income to average assets | 0.5174% | 4,489 |
| Noninterest expense to average assets | 1.5810% | 7,981 |
| Loan and lease loss provision to assets | 0.6843% | 2,131 |
| Net operating income to assets | 1.1090% | 2,111 |
| Return on assets (ROA) | 1.1090% | 2,027 |
| Pretax return on assets | 1.1501% | 2,833 |
| Return on Equity (ROE) | 12.0378% | 1,581 |
| Retained earnings to average equity (ytd only) | 2.3098% | 3,764 |
| Net charge-offs to loans | 0.4187% | 2,727 |
| Credit loss provision to net charge-offs | 187.6513% | 2,639 |
| Earnings coverage of net charge-offs (x) | 5.0303% | 3,777 |
| Efficiency ratio | 46.1737% | 7,920 |
| Assets per employee ($millions) | 6.4805% | 898 |
| Cash dividends to net income (ytd only)* | 80.8121% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 4,823 |
| Loan loss allowance to noncurrent loans | 60.0696% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 2.1616% | 2,263 |
| Noncurrent loans to loans | 1.9372% | 2,849 |
| Net loans and leases to total assets | 87.9561% | 375 |
| Net loans and leases to deposits | 115.9257% | 525 |
| Net loans and leases to core deposits | 147.2903% | 965 |
| Total domestic deposits to total assets | 75.8728% | 6,278 |
| Equity capital to assets | 9.0820% | 5,255 |
| Core capital (leverage) ratio | 8.8598% | 4,957 |
| Tier 1 risk-based capital ratio | 9.6325% | 7,169 |
| Total risk-based capital ratio | 10.7894% | 7,179 |
| Memoranda: | ||
| Average total assets | $226,501,400 | 2,813 |
| Average earning assets | $213,404,400 | 2,731 |
| Average equity | $20,867,600 | 3,113 |
| Average total loans | $197,286,600 | 2,325 |