Home > First Bank of Boaz > Performance and Condition Ratios
First Bank of Boaz, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2160% | 3,594 |
| Cost of funding earning assets | 1.4564% | 2,059 |
| Net interest margin | 2.7596% | 3,733 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 1.3854% | 4,399 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1686% | 1,728 |
| Return on assets (ROA) | 1.1686% | 1,701 |
| Pretax return on assets | 1.4052% | 1,623 |
| Return on Equity (ROE) | 13.0200% | 1,724 |
| Retained earnings to average equity (ytd only) | 6.0452% | 2,223 |
| Net charge-offs to loans | -0.0098% | 3,987 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 49.6449% | 4,003 |
| Assets per employee ($millions) | 11.0245% | 526 |
| Cash dividends to net income (ytd only)* | 53.5826% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7047% | 651 |
| Loan loss allowance to noncurrent loans | 298.5994% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.1472% | 2,536 |
| Noncurrent loans to loans | 0.5709% | 1,371 |
| Net loans and leases to total assets | 25.3400% | 4,360 |
| Net loans and leases to deposits | 32.1898% | 4,329 |
| Net loans and leases to core deposits | 37.2299% | 4,326 |
| Total domestic deposits to total assets | 78.7300% | 3,645 |
| Equity capital to assets | 10.6465% | 1,655 |
| Core capital (leverage) ratio | 21.6234% | 217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $247,226,600 | 2,704 |
| Average earning assets | $232,497,400 | 2,669 |
| Average equity | $22,183,000 | 2,676 |
| Average total loans | $61,363,600 | 3,690 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1939% | 3,479 |
| Cost of funding earning assets | 1.3376% | 2,040 |
| Net interest margin | 2.8563% | 3,627 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 1.3945% | 4,404 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2136% | 1,760 |
| Return on assets (ROA) | 1.2136% | 1,747 |
| Pretax return on assets | 1.4847% | 1,589 |
| Return on Equity (ROE) | 14.1700% | 1,612 |
| Retained earnings to average equity (ytd only) | 6.7501% | 2,375 |
| Net charge-offs to loans | -0.0153% | 4,060 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 48.4340% | 4,020 |
| Assets per employee ($millions) | 10.9735% | 503 |
| Cash dividends to net income (ytd only)* | 52.3662% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7614% | 610 |
| Loan loss allowance to noncurrent loans | 296.3889% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.1491% | 2,581 |
| Noncurrent loans to loans | 0.5943% | 1,349 |
| Net loans and leases to total assets | 24.6500% | 4,389 |
| Net loans and leases to deposits | 29.1508% | 4,390 |
| Net loans and leases to core deposits | 33.9144% | 4,351 |
| Total domestic deposits to total assets | 84.5600% | 2,632 |
| Equity capital to assets | 6.7642% | 3,722 |
| Core capital (leverage) ratio | 20.5499% | 259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $248,398,500 | 2,696 |
| Average earning assets | $233,446,250 | 2,676 |
| Average equity | $21,273,250 | 2,742 |
| Average total loans | $61,071,000 | 3,702 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1140% | 3,462 |
| Cost of funding earning assets | 1.1691% | 2,080 |
| Net interest margin | 2.9449% | 3,572 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 1.4175% | 4,401 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2444% | 1,710 |
| Return on assets (ROA) | 1.2444% | 1,707 |
| Pretax return on assets | 1.5555% | 1,490 |
| Return on Equity (ROE) | 13.6100% | 1,770 |
| Retained earnings to average equity (ytd only) | 6.4570% | 2,460 |
| Net charge-offs to loans | -0.0163% | 4,073 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 47.6791% | 4,082 |
| Assets per employee ($millions) | 10.3195% | 607 |
| Cash dividends to net income (ytd only)* | 52.5641% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7581% | 670 |
| Loan loss allowance to noncurrent loans | 296.1111% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.1454% | 2,530 |
| Noncurrent loans to loans | 0.5937% | 1,260 |
| Net loans and leases to total assets | 24.0500% | 4,420 |
| Net loans and leases to deposits | 29.3582% | 4,406 |
| Net loans and leases to core deposits | 34.2465% | 4,359 |
| Total domestic deposits to total assets | 81.9200% | 3,247 |
| Equity capital to assets | 9.6912% | 2,035 |
| Core capital (leverage) ratio | 19.9778% | 270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $250,725,333 | 2,688 |
| Average earning assets | $236,411,333 | 2,667 |
| Average equity | $22,921,000 | 2,631 |
| Average total loans | $61,235,667 | 3,704 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0145% | 3,424 |
| Cost of funding earning assets | 0.9485% | 2,222 |
| Net interest margin | 3.0659% | 3,427 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 1.4081% | 4,467 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2258% | 1,867 |
| Return on assets (ROA) | 1.2258% | 1,835 |
| Pretax return on assets | 1.6777% | 1,323 |
| Return on Equity (ROE) | 13.8200% | 1,811 |
| Retained earnings to average equity (ytd only) | 7.2921% | 2,424 |
| Net charge-offs to loans | -0.0130% | 3,942 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 45.6321% | 4,241 |
| Assets per employee ($millions) | 11.0846% | 498 |
| Cash dividends to net income (ytd only)* | 47.2186% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7191% | 775 |
| Loan loss allowance to noncurrent loans | 11,811.1111% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 3,874 |
| Noncurrent loans to loans | 0.0146% | 3,709 |
| Net loans and leases to total assets | 23.8400% | 4,479 |
| Net loans and leases to deposits | 28.9323% | 4,466 |
| Net loans and leases to core deposits | 34.3129% | 4,389 |
| Total domestic deposits to total assets | 82.3900% | 3,422 |
| Equity capital to assets | 9.4193% | 2,214 |
| Core capital (leverage) ratio | 19.9500% | 265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $252,253,500 | 2,716 |
| Average earning assets | $237,839,000 | 2,686 |
| Average equity | $22,380,500 | 2,690 |
| Average total loans | $61,537,000 | 3,737 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6075% | 2,784 |
| Cost of funding earning assets | 0.3577% | 2,420 |
| Net interest margin | 3.2497% | 2,704 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 1.2699% | 4,572 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6322% | 633 |
| Return on assets (ROA) | 1.4728% | 916 |
| Pretax return on assets | 1.8022% | 733 |
| Return on Equity (ROE) | 12.3200% | 2,030 |
| Retained earnings to average equity (ytd only) | 7.0408% | 2,228 |
| Net charge-offs to loans | -0.0192% | 4,051 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 38.8752% | 4,562 |
| Assets per employee ($millions) | 10.3984% | 591 |
| Cash dividends to net income (ytd only)* | 42.8385% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7326% | 761 |
| Loan loss allowance to noncurrent loans | 9,645.4545% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 3,885 |
| Noncurrent loans to loans | 0.0180% | 3,703 |
| Net loans and leases to total assets | 24.1100% | 4,504 |
| Net loans and leases to deposits | 28.8794% | 4,492 |
| Net loans and leases to core deposits | 34.4775% | 4,407 |
| Total domestic deposits to total assets | 83.5000% | 3,311 |
| Equity capital to assets | 8.3134% | 2,842 |
| Core capital (leverage) ratio | 19.9127% | 256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $260,734,400 | 2,665 |
| Average earning assets | $248,235,600 | 2,627 |
| Average equity | $31,175,600 | 2,287 |
| Average total loans | $57,284,000 | 3,785 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4833% | 2,669 |
| Cost of funding earning assets | 0.2840% | 2,346 |
| Net interest margin | 3.1993% | 2,624 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.2396% | 4,610 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.6549% | 589 |
| Return on assets (ROA) | 1.6549% | 572 |
| Pretax return on assets | 1.9823% | 481 |
| Return on Equity (ROE) | 12.9100% | 1,726 |
| Retained earnings to average equity (ytd only) | 8.3512% | 1,869 |
| Net charge-offs to loans | -0.0142% | 3,854 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 38.4736% | 4,605 |
| Assets per employee ($millions) | 10.6190% | 550 |
| Cash dividends to net income (ytd only)* | 35.3103% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7728% | 764 |
| Loan loss allowance to noncurrent loans | 2,072.5490% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 3,744 |
| Noncurrent loans to loans | 0.0855% | 3,264 |
| Net loans and leases to total assets | 22.9800% | 4,561 |
| Net loans and leases to deposits | 27.2180% | 4,549 |
| Net loans and leases to core deposits | 31.9638% | 4,478 |
| Total domestic deposits to total assets | 84.4300% | 3,399 |
| Equity capital to assets | 7.5776% | 3,166 |
| Core capital (leverage) ratio | 18.8737% | 281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $263,527,500 | 2,661 |
| Average earning assets | $251,671,000 | 2,625 |
| Average equity | $33,782,750 | 2,200 |
| Average total loans | $56,295,250 | 3,815 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3362% | 2,621 |
| Cost of funding earning assets | 0.2539% | 2,211 |
| Net interest margin | 3.0824% | 2,589 |
| Noninterest income to average assets | 0.1614% | 4,202 |
| Noninterest expense to average assets | 1.2402% | 4,620 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5885% | 562 |
| Return on assets (ROA) | 1.5885% | 551 |
| Pretax return on assets | 1.8925% | 475 |
| Return on Equity (ROE) | 10.9619% | 1,993 |
| Retained earnings to average equity (ytd only) | 6.8745% | 2,028 |
| Net charge-offs to loans | -0.0217% | 3,911 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5878% | 4,622 |
| Assets per employee ($millions) | 10.6812% | 540 |
| Cash dividends to net income (ytd only)* | 37.2873% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8538% | 732 |
| Loan loss allowance to noncurrent loans | 2,032.6923% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 3,804 |
| Noncurrent loans to loans | 0.0912% | 3,311 |
| Net loans and leases to total assets | 21.8300% | 4,635 |
| Net loans and leases to deposits | 26.6425% | 4,608 |
| Net loans and leases to core deposits | 31.5916% | 4,538 |
| Total domestic deposits to total assets | 81.9367% | 4,012 |
| Equity capital to assets | 10.1498% | 1,627 |
| Core capital (leverage) ratio | 18.7862% | 240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $266,418,333 | 2,672 |
| Average earning assets | $256,816,667 | 2,619 |
| Average equity | $38,606,333 | 2,056 |
| Average total loans | $55,186,000 | 3,874 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2146% | 2,640 |
| Cost of funding earning assets | 0.2360% | 2,309 |
| Net interest margin | 2.9786% | 2,571 |
| Noninterest income to average assets | 0.1562% | 4,219 |
| Noninterest expense to average assets | 1.2039% | 4,665 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5885% | 523 |
| Return on assets (ROA) | 1.5885% | 522 |
| Pretax return on assets | 1.8537% | 487 |
| Return on Equity (ROE) | 9.6036% | 2,122 |
| Retained earnings to average equity (ytd only) | 5.8263% | 2,306 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3735% | 4,655 |
| Assets per employee ($millions) | 10.7965% | 540 |
| Cash dividends to net income (ytd only)* | 39.3321% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9108% | 726 |
| Loan loss allowance to noncurrent loans | 1,944.4444% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 3,847 |
| Noncurrent loans to loans | 0.0983% | 3,353 |
| Net loans and leases to total assets | 19.9698% | 4,670 |
| Net loans and leases to deposits | 25.5359% | 4,647 |
| Net loans and leases to core deposits | 30.2488% | 4,576 |
| Total domestic deposits to total assets | 78.2026% | 4,393 |
| Equity capital to assets | 14.1823% | 499 |
| Core capital (leverage) ratio | 17.4763% | 271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $271,453,000 | 2,654 |
| Average earning assets | $264,421,500 | 2,589 |
| Average equity | $44,900,000 | 1,892 |
| Average total loans | $54,270,000 | 3,895 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0884% | 3,707 |
| Cost of funding earning assets | 0.2914% | 2,489 |
| Net interest margin | 2.7970% | 3,670 |
| Noninterest income to average assets | 0.2559% | 3,844 |
| Noninterest expense to average assets | 1.1354% | 4,732 |
| Loan and lease loss provision to assets | 0.0719% | 1,657 |
| Net operating income to assets | 1.3325% | 1,507 |
| Return on assets (ROA) | 1.4991% | 1,070 |
| Pretax return on assets | 1.9916% | 610 |
| Return on Equity (ROE) | 8.1946% | 3,157 |
| Retained earnings to average equity (ytd only) | 5.2181% | 2,707 |
| Net charge-offs to loans | 0.0102% | 2,175 |
| Credit loss provision to net charge-offs | 3,333.3333% | 199 |
| Earnings coverage of net charge-offs (x) | 859.0000% | 175 |
| Efficiency ratio | 38.0007% | 4,721 |
| Assets per employee ($millions) | 11.8693% | 413 |
| Cash dividends to net income (ytd only)* | 36.3222% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9594% | 650 |
| Loan loss allowance to noncurrent loans | 1,521.7391% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 3,875 |
| Noncurrent loans to loans | 0.1288% | 3,287 |
| Net loans and leases to total assets | 19.2455% | 4,725 |
| Net loans and leases to deposits | 26.2970% | 4,684 |
| Net loans and leases to core deposits | 31.3816% | 4,614 |
| Total domestic deposits to total assets | 73.1854% | 4,614 |
| Equity capital to assets | 18.8723% | 219 |
| Core capital (leverage) ratio | 17.1540% | 283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.0194% | 199 |
| Memoranda: | ||
| Average total assets | $278,224,400 | 2,557 |
| Average earning assets | $271,758,400 | 2,472 |
| Average equity | $50,899,400 | 1,738 |
| Average total loans | $58,982,600 | 3,833 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0884% | 3,837 |
| Cost of funding earning assets | 0.3052% | 2,543 |
| Net interest margin | 2.7831% | 3,815 |
| Noninterest income to average assets | 0.3286% | 3,459 |
| Noninterest expense to average assets | 1.1486% | 4,804 |
| Loan and lease loss provision to assets | 0.0383% | 2,227 |
| Net operating income to assets | 1.4194% | 1,481 |
| Return on assets (ROA) | 1.6360% | 994 |
| Pretax return on assets | 2.1302% | 641 |
| Return on Equity (ROE) | 9.0123% | 3,106 |
| Retained earnings to average equity (ytd only) | 5.9933% | 2,822 |
| Net charge-offs to loans | -0.0243% | 4,052 |
| Credit loss provision to net charge-offs | -727.2727% | 3,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.7489% | 4,776 |
| Assets per employee ($millions) | 11.8365% | 388 |
| Cash dividends to net income (ytd only)* | 33.4985% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8535% | 838 |
| Loan loss allowance to noncurrent loans | 662.2378% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.0820% | 3,554 |
| Noncurrent loans to loans | 0.2799% | 2,797 |
| Net loans and leases to total assets | 17.6523% | 4,816 |
| Net loans and leases to deposits | 23.8390% | 4,791 |
| Net loans and leases to core deposits | 28.1927% | 4,755 |
| Total domestic deposits to total assets | 74.0479% | 4,635 |
| Equity capital to assets | 18.2260% | 260 |
| Core capital (leverage) ratio | 16.9156% | 319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.7916% | 200 |
| Memoranda: | ||
| Average total assets | $279,532,250 | 2,561 |
| Average earning assets | $272,586,750 | 2,492 |
| Average equity | $50,744,250 | 1,758 |
| Average total loans | $60,331,000 | 3,862 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1178% | 3,824 |
| Cost of funding earning assets | 0.3206% | 2,582 |
| Net interest margin | 2.7971% | 3,792 |
| Noninterest income to average assets | 0.4144% | 3,038 |
| Noninterest expense to average assets | 1.1424% | 4,840 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6499% | 956 |
| Return on assets (ROA) | 1.9891% | 523 |
| Pretax return on assets | 2.4157% | 406 |
| Return on Equity (ROE) | 10.9721% | 2,433 |
| Retained earnings to average equity (ytd only) | 7.8650% | 2,121 |
| Net charge-offs to loans | -0.0063% | 3,504 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.3304% | 4,833 |
| Assets per employee ($millions) | 11.4235% | 410 |
| Cash dividends to net income (ytd only)* | 28.3183% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5436% | 1,442 |
| Loan loss allowance to noncurrent loans | 1,087.3418% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.0616% | 3,819 |
| Noncurrent loans to loans | 0.1420% | 3,487 |
| Net loans and leases to total assets | 19.9848% | 4,836 |
| Net loans and leases to deposits | 27.2910% | 4,792 |
| Net loans and leases to core deposits | 32.4476% | 4,738 |
| Total domestic deposits to total assets | 73.2284% | 4,681 |
| Equity capital to assets | 18.7337% | 242 |
| Core capital (leverage) ratio | 17.2243% | 293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.1026% | 216 |
| Memoranda: | ||
| Average total assets | $278,017,333 | 2,563 |
| Average earning assets | $271,349,000 | 2,499 |
| Average equity | $50,400,333 | 1,760 |
| Average total loans | $63,410,333 | 3,843 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0881% | 3,908 |
| Cost of funding earning assets | 0.3280% | 2,725 |
| Net interest margin | 2.7601% | 3,850 |
| Noninterest income to average assets | 0.3344% | 3,429 |
| Noninterest expense to average assets | 1.0959% | 4,886 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6988% | 940 |
| Return on assets (ROA) | 2.3476% | 367 |
| Pretax return on assets | 2.6691% | 343 |
| Return on Equity (ROE) | 13.1651% | 1,623 |
| Retained earnings to average equity (ytd only) | 10.2324% | 1,590 |
| Net charge-offs to loans | -0.0059% | 3,460 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.1963% | 4,843 |
| Assets per employee ($millions) | 11.1647% | 430 |
| Cash dividends to net income (ytd only)* | 22.2763% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3073% | 2,405 |
| Loan loss allowance to noncurrent loans | 1,320.0000% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 3,979 |
| Noncurrent loans to loans | 0.0990% | 3,811 |
| Net loans and leases to total assets | 23.2060% | 4,820 |
| Net loans and leases to deposits | 32.6109% | 4,754 |
| Net loans and leases to core deposits | 38.8231% | 4,650 |
| Total domestic deposits to total assets | 71.1605% | 4,740 |
| Equity capital to assets | 17.3182% | 287 |
| Core capital (leverage) ratio | 17.7133% | 273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.5279% | 211 |
| Memoranda: | ||
| Average total assets | $279,944,000 | 2,543 |
| Average earning assets | $273,181,000 | 2,469 |
| Average equity | $49,920,000 | 1,762 |
| Average total loans | $67,290,500 | 3,788 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5448% | 3,933 |
| Cost of funding earning assets | 0.5480% | 2,624 |
| Net interest margin | 2.9968% | 3,891 |
| Noninterest income to average assets | 0.3289% | 3,487 |
| Noninterest expense to average assets | 1.3164% | 4,867 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.5592% | 693 |
| Return on assets (ROA) | 1.5845% | 720 |
| Pretax return on assets | 1.9657% | 489 |
| Return on Equity (ROE) | 8.6606% | 2,532 |
| Retained earnings to average equity (ytd only) | 5.6602% | 1,966 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4922% | 4,857 |
| Assets per employee ($millions) | 11.2308% | 383 |
| Cash dividends to net income (ytd only)* | 34.6443% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 2,731 |
| Loan loss allowance to noncurrent loans | 1,242.0290% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 4,055 |
| Noncurrent loans to loans | 0.1001% | 3,892 |
| Net loans and leases to total assets | 24.2525% | 4,851 |
| Net loans and leases to deposits | 35.7211% | 4,752 |
| Net loans and leases to core deposits | 43.1067% | 4,626 |
| Total domestic deposits to total assets | 67.8941% | 4,818 |
| Equity capital to assets | 18.3431% | 252 |
| Core capital (leverage) ratio | 17.0069% | 310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.6587% | 221 |
| Memoranda: | ||
| Average total assets | $259,958,200 | 2,514 |
| Average earning assets | $253,470,400 | 2,449 |
| Average equity | $47,560,000 | 1,774 |
| Average total loans | $68,069,400 | 3,771 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6260% | 3,962 |
| Cost of funding earning assets | 0.6039% | 2,586 |
| Net interest margin | 3.0222% | 3,924 |
| Noninterest income to average assets | 0.3951% | 3,107 |
| Noninterest expense to average assets | 1.3670% | 4,880 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.6107% | 705 |
| Return on assets (ROA) | 1.6455% | 726 |
| Pretax return on assets | 2.0171% | 503 |
| Return on Equity (ROE) | 9.0004% | 2,394 |
| Retained earnings to average equity (ytd only) | 5.8485% | 2,173 |
| Net charge-offs to loans | -0.0157% | 4,352 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9084% | 4,873 |
| Assets per employee ($millions) | 11.2031% | 370 |
| Cash dividends to net income (ytd only)* | 35.0191% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1460% | 2,959 |
| Loan loss allowance to noncurrent loans | 1,234.2857% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 4,150 |
| Noncurrent loans to loans | 0.0928% | 3,997 |
| Net loans and leases to total assets | 26.6098% | 4,879 |
| Net loans and leases to deposits | 39.2759% | 4,771 |
| Net loans and leases to core deposits | 44.6046% | 4,696 |
| Total domestic deposits to total assets | 67.7510% | 4,819 |
| Equity capital to assets | 18.0547% | 296 |
| Core capital (leverage) ratio | 17.1217% | 327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0532% | 241 |
| Memoranda: | ||
| Average total assets | $254,755,000 | 2,536 |
| Average earning assets | $248,382,000 | 2,466 |
| Average equity | $46,574,500 | 1,790 |
| Average total loans | $67,849,000 | 3,792 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7495% | 3,982 |
| Cost of funding earning assets | 0.6773% | 2,515 |
| Net interest margin | 3.0722% | 3,961 |
| Noninterest income to average assets | 0.5359% | 2,412 |
| Noninterest expense to average assets | 1.4421% | 4,882 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.7686% | 539 |
| Return on assets (ROA) | 1.8245% | 526 |
| Pretax return on assets | 2.1542% | 392 |
| Return on Equity (ROE) | 9.9329% | 2,004 |
| Retained earnings to average equity (ytd only) | 6.5070% | 1,858 |
| Net charge-offs to loans | -0.0061% | 4,073 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8464% | 4,894 |
| Assets per employee ($millions) | 11.1905% | 368 |
| Cash dividends to net income (ytd only)* | 34.4904% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1143% | 2,973 |
| Loan loss allowance to noncurrent loans | 262.3853% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.1169% | 3,957 |
| Noncurrent loans to loans | 0.4247% | 2,888 |
| Net loans and leases to total assets | 27.2160% | 4,899 |
| Net loans and leases to deposits | 39.5853% | 4,800 |
| Net loans and leases to core deposits | 46.2289% | 4,709 |
| Total domestic deposits to total assets | 68.7527% | 4,826 |
| Equity capital to assets | 17.3008% | 348 |
| Core capital (leverage) ratio | 16.2385% | 413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.4925% | 233 |
| Memoranda: | ||
| Average total assets | $246,314,333 | 2,564 |
| Average earning assets | $240,087,333 | 2,490 |
| Average equity | $45,243,667 | 1,820 |
| Average total loans | $65,334,667 | 3,846 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0565% | 3,636 |
| Cost of funding earning assets | 0.8102% | 2,324 |
| Net interest margin | 3.2463% | 3,735 |
| Noninterest income to average assets | 0.2038% | 4,330 |
| Noninterest expense to average assets | 1.4652% | 4,936 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6668% | 544 |
| Return on assets (ROA) | 1.7910% | 466 |
| Pretax return on assets | 2.0419% | 416 |
| Return on Equity (ROE) | 9.4172% | 1,947 |
| Retained earnings to average equity (ytd only) | 5.8628% | 1,931 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5300% | 4,895 |
| Assets per employee ($millions) | 9.0512% | 526 |
| Cash dividends to net income (ytd only)* | 37.7432% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4348% | 1,566 |
| Loan loss allowance to noncurrent loans | 1,142.6667% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 4,311 |
| Noncurrent loans to loans | 0.1256% | 4,017 |
| Net loans and leases to total assets | 26.0170% | 4,959 |
| Net loans and leases to deposits | 34.9998% | 4,920 |
| Net loans and leases to core deposits | 40.5448% | 4,871 |
| Total domestic deposits to total assets | 74.3348% | 4,635 |
| Equity capital to assets | 18.8816% | 296 |
| Core capital (leverage) ratio | 18.3545% | 319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.8014% | 216 |
| Memoranda: | ||
| Average total assets | $229,590,500 | 2,636 |
| Average earning assets | $223,641,500 | 2,546 |
| Average equity | $43,665,000 | 1,858 |
| Average total loans | $59,503,000 | 3,965 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9180% | 4,400 |
| Cost of funding earning assets | 0.8550% | 2,402 |
| Net interest margin | 3.0630% | 4,430 |
| Noninterest income to average assets | 0.1877% | 4,539 |
| Noninterest expense to average assets | 1.3680% | 5,053 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4975% | 1,062 |
| Return on assets (ROA) | 1.5212% | 1,064 |
| Pretax return on assets | 1.8155% | 899 |
| Return on Equity (ROE) | 8.3526% | 3,019 |
| Retained earnings to average equity (ytd only) | 4.8017% | 2,532 |
| Net charge-offs to loans | 0.0106% | 3,311 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 698.3333% | 149 |
| Efficiency ratio | 43.3554% | 4,999 |
| Assets per employee ($millions) | 8.6260% | 569 |
| Cash dividends to net income (ytd only)* | 42.5126% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4440% | 1,379 |
| Loan loss allowance to noncurrent loans | 1,126.3158% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.0550% | 4,354 |
| Noncurrent loans to loans | 0.1282% | 4,005 |
| Net loans and leases to total assets | 25.0844% | 5,028 |
| Net loans and leases to deposits | 34.9751% | 4,988 |
| Net loans and leases to core deposits | 40.6329% | 4,936 |
| Total domestic deposits to total assets | 71.7207% | 4,875 |
| Equity capital to assets | 19.1518% | 288 |
| Core capital (leverage) ratio | 17.9075% | 343 |
| Tier 1 risk-based capital ratio | 33.8942% | 358 |
| Total risk-based capital ratio | 34.5877% | 372 |
| Memoranda: | ||
| Average total assets | $234,427,800 | 2,544 |
| Average earning assets | $227,129,400 | 2,482 |
| Average equity | $42,693,200 | 1,827 |
| Average total loans | $56,560,000 | 4,040 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9291% | 4,493 |
| Cost of funding earning assets | 0.8495% | 2,469 |
| Net interest margin | 3.0795% | 4,511 |
| Noninterest income to average assets | 0.1840% | 4,619 |
| Noninterest expense to average assets | 1.3844% | 5,121 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4677% | 1,281 |
| Return on assets (ROA) | 1.4979% | 1,250 |
| Pretax return on assets | 1.8170% | 1,044 |
| Return on Equity (ROE) | 8.3317% | 3,184 |
| Retained earnings to average equity (ytd only) | 4.7186% | 3,046 |
| Net charge-offs to loans | 0.0024% | 3,351 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 3,142.7820% | 16 |
| Efficiency ratio | 43.7466% | 5,023 |
| Assets per employee ($millions) | 8.9359% | 497 |
| Cash dividends to net income (ytd only)* | 43.3663% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5441% | 1,132 |
| Loan loss allowance to noncurrent loans | 887.6289% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.0402% | 4,516 |
| Noncurrent loans to loans | 0.1740% | 3,917 |
| Net loans and leases to total assets | 22.7544% | 5,139 |
| Net loans and leases to deposits | 31.5807% | 5,113 |
| Net loans and leases to core deposits | 34.4011% | 5,101 |
| Total domestic deposits to total assets | 72.0514% | 4,916 |
| Equity capital to assets | 18.8769% | 320 |
| Core capital (leverage) ratio | 17.2527% | 406 |
| Tier 1 risk-based capital ratio | 34.9070% | 347 |
| Total risk-based capital ratio | 35.6350% | 354 |
| Memoranda: | ||
| Average total assets | $234,809,250 | 2,571 |
| Average earning assets | $227,257,500 | 2,509 |
| Average equity | $42,215,250 | 1,854 |
| Average total loans | $55,880,500 | 4,104 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9280% | 4,517 |
| Cost of funding earning assets | 0.8396% | 2,452 |
| Net interest margin | 3.0884% | 4,555 |
| Noninterest income to average assets | 0.1977% | 4,575 |
| Noninterest expense to average assets | 1.4038% | 5,158 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4551% | 1,282 |
| Return on assets (ROA) | 1.5009% | 1,197 |
| Pretax return on assets | 1.8379% | 960 |
| Return on Equity (ROE) | 8.4952% | 3,066 |
| Retained earnings to average equity (ytd only) | 4.7925% | 2,873 |
| Net charge-offs to loans | -0.0036% | 4,058 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0637% | 5,063 |
| Assets per employee ($millions) | 8.8502% | 496 |
| Cash dividends to net income (ytd only)* | 43.5853% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5397% | 1,160 |
| Loan loss allowance to noncurrent loans | 2,400.0000% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 4,719 |
| Noncurrent loans to loans | 0.0642% | 4,395 |
| Net loans and leases to total assets | 23.1222% | 5,184 |
| Net loans and leases to deposits | 31.7132% | 5,151 |
| Net loans and leases to core deposits | 34.4479% | 5,137 |
| Total domestic deposits to total assets | 72.9105% | 4,913 |
| Equity capital to assets | 18.2004% | 358 |
| Core capital (leverage) ratio | 17.5577% | 377 |
| Tier 1 risk-based capital ratio | 34.4338% | 353 |
| Total risk-based capital ratio | 35.1635% | 358 |
| Memoranda: | ||
| Average total assets | $232,656,330 | 2,596 |
| Average earning assets | $225,102,330 | 2,538 |
| Average equity | $41,105,670 | 1,888 |
| Average total loans | $55,920,670 | 4,125 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9599% | 4,457 |
| Cost of funding earning assets | 0.8367% | 2,342 |
| Net interest margin | 3.1232% | 4,547 |
| Noninterest income to average assets | 0.2039% | 4,530 |
| Noninterest expense to average assets | 1.4257% | 5,205 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4274% | 1,298 |
| Return on assets (ROA) | 1.4274% | 1,326 |
| Pretax return on assets | 1.7969% | 983 |
| Return on Equity (ROE) | 8.2079% | 3,164 |
| Retained earnings to average equity (ytd only) | 3.9586% | 3,327 |
| Net charge-offs to loans | 0.0143% | 2,194 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 515.5000% | 143 |
| Efficiency ratio | 44.2401% | 5,092 |
| Assets per employee ($millions) | 8.5470% | 553 |
| Cash dividends to net income (ytd only)* | 51.7705% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5290% | 1,247 |
| Loan loss allowance to noncurrent loans | 2,606.0606% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 4,796 |
| Noncurrent loans to loans | 0.0587% | 4,496 |
| Net loans and leases to total assets | 24.0010% | 5,238 |
| Net loans and leases to deposits | 32.6962% | 5,184 |
| Net loans and leases to core deposits | 36.0323% | 5,170 |
| Total domestic deposits to total assets | 73.4060% | 4,972 |
| Equity capital to assets | 17.8554% | 359 |
| Core capital (leverage) ratio | 17.3935% | 385 |
| Tier 1 risk-based capital ratio | 34.7184% | 333 |
| Total risk-based capital ratio | 35.4615% | 341 |
| Memoranda: | ||
| Average total assets | $229,506,500 | 2,647 |
| Average earning assets | $221,823,000 | 2,575 |
| Average equity | $39,913,000 | 1,925 |
| Average total loans | $55,823,000 | 4,169 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9658% | 4,126 |
| Cost of funding earning assets | 0.6815% | 2,203 |
| Net interest margin | 3.2843% | 4,293 |
| Noninterest income to average assets | 0.2108% | 4,649 |
| Noninterest expense to average assets | 1.3693% | 5,276 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5922% | 886 |
| Return on assets (ROA) | 1.5922% | 876 |
| Pretax return on assets | 1.9679% | 601 |
| Return on Equity (ROE) | 9.1935% | 2,896 |
| Retained earnings to average equity (ytd only) | 5.7275% | 2,339 |
| Net charge-offs to loans | 0.0900% | 1,880 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 89.1569% | 797 |
| Efficiency ratio | 41.0323% | 5,262 |
| Assets per employee ($millions) | 8.1034% | 639 |
| Cash dividends to net income (ytd only)* | 37.7005% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5560% | 1,126 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 23.2073% | 5,288 |
| Net loans and leases to deposits | 32.1935% | 5,241 |
| Net loans and leases to core deposits | 34.5464% | 5,240 |
| Total domestic deposits to total assets | 72.0871% | 5,067 |
| Equity capital to assets | 19.3094% | 258 |
| Core capital (leverage) ratio | 16.8370% | 424 |
| Tier 1 risk-based capital ratio | 32.4310% | 389 |
| Total risk-based capital ratio | 33.1336% | 394 |
| Memoranda: | ||
| Average total assets | $231,062,000 | 2,610 |
| Average earning assets | $219,956,600 | 2,565 |
| Average equity | $40,017,400 | 1,860 |
| Average total loans | $56,676,800 | 4,171 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9279% | 4,143 |
| Cost of funding earning assets | 0.6370% | 2,229 |
| Net interest margin | 3.2910% | 4,303 |
| Noninterest income to average assets | 0.2109% | 4,701 |
| Noninterest expense to average assets | 1.3850% | 5,332 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5461% | 1,073 |
| Return on assets (ROA) | 1.5461% | 1,076 |
| Pretax return on assets | 1.9697% | 673 |
| Return on Equity (ROE) | 9.1972% | 3,005 |
| Retained earnings to average equity (ytd only) | 5.5466% | 2,929 |
| Net charge-offs to loans | 0.0281% | 2,539 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 283.2431% | 322 |
| Efficiency ratio | 41.2852% | 5,296 |
| Assets per employee ($millions) | 8.2409% | 586 |
| Cash dividends to net income (ytd only)* | 39.6926% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6159% | 1,041 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 22.9544% | 5,363 |
| Net loans and leases to deposits | 30.6951% | 5,330 |
| Net loans and leases to core deposits | 32.6208% | 5,331 |
| Total domestic deposits to total assets | 74.7819% | 4,909 |
| Equity capital to assets | 16.6281% | 449 |
| Core capital (leverage) ratio | 16.3226% | 474 |
| Tier 1 risk-based capital ratio | 32.3010% | 386 |
| Total risk-based capital ratio | 33.0453% | 403 |
| Memoranda: | ||
| Average total assets | $230,077,750 | 2,625 |
| Average earning assets | $219,787,250 | 2,579 |
| Average equity | $38,677,500 | 1,922 |
| Average total loans | $56,996,250 | 4,208 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8816% | 4,122 |
| Cost of funding earning assets | 0.6004% | 2,222 |
| Net interest margin | 3.2812% | 4,306 |
| Noninterest income to average assets | 0.2158% | 4,733 |
| Noninterest expense to average assets | 1.3993% | 5,394 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5517% | 1,033 |
| Return on assets (ROA) | 1.5517% | 1,038 |
| Pretax return on assets | 1.9638% | 657 |
| Return on Equity (ROE) | 9.1954% | 2,934 |
| Retained earnings to average equity (ytd only) | 5.3805% | 2,885 |
| Net charge-offs to loans | 0.0174% | 2,566 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 446.0000% | 203 |
| Efficiency ratio | 41.6078% | 5,361 |
| Assets per employee ($millions) | 9.4074% | 388 |
| Cash dividends to net income (ytd only)* | 41.4869% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5961% | 1,124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 22.8875% | 5,420 |
| Net loans and leases to deposits | 30.2688% | 5,392 |
| Net loans and leases to core deposits | 32.7374% | 5,381 |
| Total domestic deposits to total assets | 75.6141% | 4,891 |
| Equity capital to assets | 16.0463% | 497 |
| Core capital (leverage) ratio | 16.8694% | 411 |
| Tier 1 risk-based capital ratio | 32.2380% | 402 |
| Total risk-based capital ratio | 32.9978% | 413 |
| Memoranda: | ||
| Average total assets | $227,108,000 | 2,662 |
| Average earning assets | $217,846,670 | 2,602 |
| Average equity | $38,323,670 | 1,942 |
| Average total loans | $57,408,670 | 4,232 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9770% | 3,703 |
| Cost of funding earning assets | 0.6074% | 2,009 |
| Net interest margin | 3.3696% | 3,991 |
| Noninterest income to average assets | 0.2326% | 4,621 |
| Noninterest expense to average assets | 1.4471% | 5,433 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6596% | 751 |
| Return on assets (ROA) | 1.6596% | 755 |
| Pretax return on assets | 2.0168% | 554 |
| Return on Equity (ROE) | 9.5717% | 2,651 |
| Retained earnings to average equity (ytd only) | 5.8107% | 2,802 |
| Net charge-offs to loans | -0.0416% | 4,884 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7768% | 5,407 |
| Assets per employee ($millions) | 8.6376% | 502 |
| Cash dividends to net income (ytd only)* | 39.2936% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6448% | 1,064 |
| Loan loss allowance to noncurrent loans | 13,128.5714% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 5,132 |
| Noncurrent loans to loans | 0.0125% | 4,944 |
| Net loans and leases to total assets | 24.4699% | 5,459 |
| Net loans and leases to deposits | 32.9451% | 5,409 |
| Net loans and leases to core deposits | 35.8336% | 5,397 |
| Total domestic deposits to total assets | 74.2749% | 5,126 |
| Equity capital to assets | 16.7073% | 420 |
| Core capital (leverage) ratio | 17.4153% | 349 |
| Tier 1 risk-based capital ratio | 31.5498% | 421 |
| Total risk-based capital ratio | 32.3119% | 429 |
| Memoranda: | ||
| Average total assets | $218,366,000 | 2,774 |
| Average earning assets | $209,404,000 | 2,698 |
| Average equity | $37,861,500 | 1,960 |
| Average total loans | $57,668,500 | 4,258 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9508% | 3,567 |
| Cost of funding earning assets | 0.6195% | 1,475 |
| Net interest margin | 3.3313% | 4,066 |
| Noninterest income to average assets | 0.2632% | 4,561 |
| Noninterest expense to average assets | 1.4788% | 5,485 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.9001% | 339 |
| Return on assets (ROA) | 1.9284% | 330 |
| Pretax return on assets | 2.0345% | 455 |
| Return on Equity (ROE) | 10.9248% | 1,513 |
| Retained earnings to average equity (ytd only) | 5.7842% | 1,666 |
| Net charge-offs to loans | 0.0491% | 2,806 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 156.8519% | 465 |
| Efficiency ratio | 42.4514% | 5,486 |
| Assets per employee ($millions) | 8.1598% | 605 |
| Cash dividends to net income (ytd only)* | 47.0545% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5337% | 1,306 |
| Loan loss allowance to noncurrent loans | 3,377.7778% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 5,100 |
| Noncurrent loans to loans | 0.0454% | 4,793 |
| Net loans and leases to total assets | 27.5988% | 5,481 |
| Net loans and leases to deposits | 38.4351% | 5,381 |
| Net loans and leases to core deposits | 39.9973% | 5,388 |
| Total domestic deposits to total assets | 71.8063% | 5,331 |
| Equity capital to assets | 18.0067% | 313 |
| Core capital (leverage) ratio | 17.3274% | 345 |
| Tier 1 risk-based capital ratio | 31.4484% | 404 |
| Total risk-based capital ratio | 32.2133% | 413 |
| Memoranda: | ||
| Average total assets | $211,258,400 | 2,807 |
| Average earning assets | $204,212,800 | 2,732 |
| Average equity | $37,291,400 | 1,960 |
| Average total loans | $55,010,000 | 4,328 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9107% | 3,654 |
| Cost of funding earning assets | 0.6418% | 1,292 |
| Net interest margin | 3.2690% | 4,264 |
| Noninterest income to average assets | 0.2641% | 4,619 |
| Noninterest expense to average assets | 1.4955% | 5,522 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5355% | 827 |
| Return on assets (ROA) | 1.5529% | 820 |
| Pretax return on assets | 1.9541% | 601 |
| Return on Equity (ROE) | 8.8422% | 2,703 |
| Retained earnings to average equity (ytd only) | 3.1261% | 4,050 |
| Net charge-offs to loans | 0.0421% | 2,603 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 179.8513% | 475 |
| Efficiency ratio | 43.6313% | 5,495 |
| Assets per employee ($millions) | 8.4640% | 526 |
| Cash dividends to net income (ytd only)* | 64.6460% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6835% | 1,062 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 24.4947% | 5,598 |
| Net loans and leases to deposits | 33.4968% | 5,537 |
| Net loans and leases to core deposits | 34.8393% | 5,540 |
| Total domestic deposits to total assets | 73.1255% | 5,302 |
| Equity capital to assets | 17.3263% | 396 |
| Core capital (leverage) ratio | 16.9360% | 389 |
| Tier 1 risk-based capital ratio | 30.5777% | 453 |
| Total risk-based capital ratio | 31.3543% | 468 |
| Memoranda: | ||
| Average total assets | $211,034,500 | 2,834 |
| Average earning assets | $204,218,750 | 2,746 |
| Average equity | $37,063,750 | 1,985 |
| Average total loans | $53,896,500 | 4,404 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8780% | 3,633 |
| Cost of funding earning assets | 0.6930% | 926 |
| Net interest margin | 3.1850% | 4,462 |
| Noninterest income to average assets | 0.2779% | 4,563 |
| Noninterest expense to average assets | 1.5287% | 5,550 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4370% | 984 |
| Return on assets (ROA) | 1.4633% | 952 |
| Pretax return on assets | 1.8671% | 716 |
| Return on Equity (ROE) | 8.2923% | 2,874 |
| Retained earnings to average equity (ytd only) | 1.8361% | 4,513 |
| Net charge-offs to loans | -0.0037% | 4,274 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4675% | 5,478 |
| Assets per employee ($millions) | 8.3560% | 533 |
| Cash dividends to net income (ytd only)* | 77.8581% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7096% | 1,042 |
| Loan loss allowance to noncurrent loans | 1,306.9444% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 5,130 |
| Noncurrent loans to loans | 0.1308% | 4,599 |
| Net loans and leases to total assets | 24.9024% | 5,630 |
| Net loans and leases to deposits | 34.1652% | 5,570 |
| Net loans and leases to core deposits | 35.4972% | 5,574 |
| Total domestic deposits to total assets | 72.8882% | 5,396 |
| Equity capital to assets | 17.4126% | 372 |
| Core capital (leverage) ratio | 16.8881% | 378 |
| Tier 1 risk-based capital ratio | 30.6191% | 443 |
| Total risk-based capital ratio | 31.4237% | 459 |
| Memoranda: | ||
| Average total assets | $208,024,670 | 2,876 |
| Average earning assets | $201,443,330 | 2,792 |
| Average equity | $36,708,670 | 1,990 |
| Average total loans | $53,586,330 | 4,433 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8994% | 3,404 |
| Cost of funding earning assets | 0.7681% | 585 |
| Net interest margin | 3.1313% | 4,560 |
| Noninterest income to average assets | 0.2438% | 4,782 |
| Noninterest expense to average assets | 1.5240% | 5,621 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3530% | 1,109 |
| Return on assets (ROA) | 1.4060% | 1,017 |
| Pretax return on assets | 1.8190% | 759 |
| Return on Equity (ROE) | 7.9119% | 2,966 |
| Retained earnings to average equity (ytd only) | 2.8107% | 4,005 |
| Net charge-offs to loans | -0.0151% | 4,600 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5465% | 5,508 |
| Assets per employee ($millions) | 7.9025% | 648 |
| Cash dividends to net income (ytd only)* | 64.4755% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8096% | 940 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 24.8769% | 5,686 |
| Net loans and leases to deposits | 34.4848% | 5,610 |
| Net loans and leases to core deposits | 35.9215% | 5,620 |
| Total domestic deposits to total assets | 72.1387% | 5,534 |
| Equity capital to assets | 17.8216% | 318 |
| Core capital (leverage) ratio | 17.7189% | 309 |
| Tier 1 risk-based capital ratio | 32.4927% | 400 |
| Total risk-based capital ratio | 33.3494% | 403 |
| Memoranda: | ||
| Average total assets | $203,409,000 | 2,954 |
| Average earning assets | $196,853,000 | 2,861 |
| Average equity | $36,148,000 | 2,021 |
| Average total loans | $52,858,000 | 4,488 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0393% | 3,067 |
| Cost of funding earning assets | 0.8033% | 498 |
| Net interest margin | 3.2360% | 4,343 |
| Noninterest income to average assets | 0.2393% | 4,991 |
| Noninterest expense to average assets | 1.4617% | 5,736 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.5521% | 762 |
| Return on assets (ROA) | 1.5521% | 782 |
| Pretax return on assets | 1.9154% | 599 |
| Return on Equity (ROE) | 8.5304% | 2,653 |
| Retained earnings to average equity (ytd only) | 4.7161% | 2,541 |
| Net charge-offs to loans | 0.0342% | 3,346 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 217.8889% | 321 |
| Efficiency ratio | 43.2827% | 5,717 |
| Assets per employee ($millions) | 7.7444% | 671 |
| Cash dividends to net income (ytd only)* | 44.7137% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7517% | 1,038 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 5,433 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 26.1832% | 5,727 |
| Net loans and leases to deposits | 37.1115% | 5,619 |
| Net loans and leases to core deposits | 38.5746% | 5,627 |
| Total domestic deposits to total assets | 70.5529% | 5,642 |
| Equity capital to assets | 17.7195% | 325 |
| Core capital (leverage) ratio | 17.2411% | 341 |
| Tier 1 risk-based capital ratio | 32.1966% | 406 |
| Total risk-based capital ratio | 33.0498% | 411 |
| Memoranda: | ||
| Average total assets | $204,759,000 | 2,903 |
| Average earning assets | $198,547,400 | 2,806 |
| Average equity | $37,255,000 | 1,964 |
| Average total loans | $52,650,600 | 4,504 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0494% | 3,038 |
| Cost of funding earning assets | 0.8035% | 494 |
| Net interest margin | 3.2459% | 4,356 |
| Noninterest income to average assets | 0.2354% | 5,065 |
| Noninterest expense to average assets | 1.4928% | 5,767 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4636% | 952 |
| Return on assets (ROA) | 1.4636% | 997 |
| Pretax return on assets | 1.8916% | 718 |
| Return on Equity (ROE) | 7.9929% | 3,009 |
| Retained earnings to average equity (ytd only) | 4.2922% | 3,269 |
| Net charge-offs to loans | 0.0433% | 2,777 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 171.5589% | 422 |
| Efficiency ratio | 44.1081% | 5,743 |
| Assets per employee ($millions) | 7.7326% | 659 |
| Cash dividends to net income (ytd only)* | 46.3004% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7864% | 1,036 |
| Loan loss allowance to noncurrent loans | 18,820.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 5,523 |
| Noncurrent loans to loans | 0.0095% | 5,369 |
| Net loans and leases to total assets | 24.7793% | 5,814 |
| Net loans and leases to deposits | 34.9833% | 5,740 |
| Net loans and leases to core deposits | 36.2263% | 5,753 |
| Total domestic deposits to total assets | 70.8318% | 5,652 |
| Equity capital to assets | 18.4358% | 312 |
| Core capital (leverage) ratio | 16.5900% | 402 |
| Tier 1 risk-based capital ratio | 32.1147% | 410 |
| Total risk-based capital ratio | 32.9799% | 412 |
| Memoranda: | ||
| Average total assets | $205,610,250 | 2,909 |
| Average earning assets | $199,466,000 | 2,810 |
| Average equity | $37,649,000 | 1,955 |
| Average total loans | $52,398,000 | 4,540 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0275% | 3,152 |
| Cost of funding earning assets | 0.8051% | 481 |
| Net interest margin | 3.2224% | 4,479 |
| Noninterest income to average assets | 0.2337% | 5,084 |
| Noninterest expense to average assets | 1.5057% | 5,833 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4529% | 966 |
| Return on assets (ROA) | 1.4529% | 1,017 |
| Pretax return on assets | 1.8587% | 767 |
| Return on Equity (ROE) | 7.9532% | 3,001 |
| Retained earnings to average equity (ytd only) | 4.1532% | 3,260 |
| Net charge-offs to loans | 0.0841% | 2,006 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 86.4091% | 656 |
| Efficiency ratio | 44.7544% | 5,799 |
| Assets per employee ($millions) | 7.4468% | 719 |
| Cash dividends to net income (ytd only)* | 47.7793% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8311% | 1,027 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 5,632 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 24.0659% | 5,892 |
| Net loans and leases to deposits | 34.0635% | 5,821 |
| Net loans and leases to core deposits | 35.0975% | 5,828 |
| Total domestic deposits to total assets | 70.6500% | 5,750 |
| Equity capital to assets | 18.5045% | 295 |
| Core capital (leverage) ratio | 16.8390% | 380 |
| Tier 1 risk-based capital ratio | 32.0712% | 415 |
| Total risk-based capital ratio | 32.9416% | 422 |
| Memoranda: | ||
| Average total assets | $204,554,000 | 2,937 |
| Average earning assets | $198,733,670 | 2,830 |
| Average equity | $37,368,670 | 1,972 |
| Average total loans | $52,305,670 | 4,579 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0400% | 3,069 |
| Cost of funding earning assets | 0.8064% | 483 |
| Net interest margin | 3.2336% | 4,461 |
| Noninterest income to average assets | 0.2310% | 5,089 |
| Noninterest expense to average assets | 1.5244% | 5,893 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4948% | 864 |
| Return on assets (ROA) | 1.4948% | 907 |
| Pretax return on assets | 1.8502% | 768 |
| Return on Equity (ROE) | 8.2370% | 2,791 |
| Retained earnings to average equity (ytd only) | 4.1566% | 3,408 |
| Net charge-offs to loans | 0.0454% | 2,111 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 156.1667% | 386 |
| Efficiency ratio | 45.1726% | 5,840 |
| Assets per employee ($millions) | 7.3123% | 769 |
| Cash dividends to net income (ytd only)* | 49.5376% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8273% | 1,101 |
| Loan loss allowance to noncurrent loans | 4,533.3333% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 5,609 |
| Noncurrent loans to loans | 0.0403% | 5,333 |
| Net loans and leases to total assets | 24.9813% | 5,935 |
| Net loans and leases to deposits | 35.2070% | 5,846 |
| Net loans and leases to core deposits | 36.3732% | 5,851 |
| Total domestic deposits to total assets | 70.9556% | 5,822 |
| Equity capital to assets | 18.1919% | 309 |
| Core capital (leverage) ratio | 16.7914% | 388 |
| Tier 1 risk-based capital ratio | 31.9760% | 434 |
| Total risk-based capital ratio | 32.8688% | 438 |
| Memoranda: | ||
| Average total assets | $202,575,500 | 2,959 |
| Average earning assets | $196,930,500 | 2,859 |
| Average equity | $36,761,000 | 2,000 |
| Average total loans | $52,900,500 | 4,593 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0586% | 3,079 |
| Cost of funding earning assets | 0.8467% | 377 |
| Net interest margin | 3.2119% | 4,589 |
| Noninterest income to average assets | 0.2487% | 5,104 |
| Noninterest expense to average assets | 1.5142% | 5,974 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.5111% | 845 |
| Return on assets (ROA) | 1.5393% | 825 |
| Pretax return on assets | 1.8862% | 673 |
| Return on Equity (ROE) | 8.5041% | 2,710 |
| Retained earnings to average equity (ytd only) | 5.2387% | 2,249 |
| Net charge-offs to loans | 0.1373% | 1,980 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 53.2206% | 959 |
| Efficiency ratio | 44.9833% | 5,954 |
| Assets per employee ($millions) | 7.1574% | 838 |
| Cash dividends to net income (ytd only)* | 38.3976% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7840% | 1,162 |
| Loan loss allowance to noncurrent loans | 6,386.6667% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 5,598 |
| Noncurrent loans to loans | 0.0279% | 5,403 |
| Net loans and leases to total assets | 26.3181% | 5,969 |
| Net loans and leases to deposits | 37.0033% | 5,864 |
| Net loans and leases to core deposits | 38.2509% | 5,871 |
| Total domestic deposits to total assets | 71.1236% | 5,845 |
| Equity capital to assets | 18.1008% | 307 |
| Core capital (leverage) ratio | 16.8026% | 389 |
| Tier 1 risk-based capital ratio | 31.5849% | 443 |
| Total risk-based capital ratio | 32.4824% | 450 |
| Memoranda: | ||
| Average total assets | $195,418,200 | 2,988 |
| Average earning assets | $189,671,200 | 2,894 |
| Average equity | $35,371,200 | 2,015 |
| Average total loans | $49,540,000 | 4,685 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0372% | 3,183 |
| Cost of funding earning assets | 0.8533% | 372 |
| Net interest margin | 3.1839% | 4,717 |
| Noninterest income to average assets | 0.2458% | 5,177 |
| Noninterest expense to average assets | 1.5271% | 6,023 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3673% | 1,190 |
| Return on assets (ROA) | 1.3809% | 1,207 |
| Pretax return on assets | 1.8238% | 855 |
| Return on Equity (ROE) | 7.6291% | 3,267 |
| Retained earnings to average equity (ytd only) | 4.5183% | 3,257 |
| Net charge-offs to loans | 0.0027% | 4,090 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 2,636.5263% | 15 |
| Efficiency ratio | 45.8179% | 5,969 |
| Assets per employee ($millions) | 7.1851% | 805 |
| Cash dividends to net income (ytd only)* | 40.7758% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0912% | 786 |
| Loan loss allowance to noncurrent loans | 940.3670% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.0567% | 5,548 |
| Noncurrent loans to loans | 0.2224% | 4,767 |
| Net loans and leases to total assets | 23.8545% | 6,097 |
| Net loans and leases to deposits | 33.4516% | 6,024 |
| Net loans and leases to core deposits | 34.5734% | 6,037 |
| Total domestic deposits to total assets | 71.3106% | 5,910 |
| Equity capital to assets | 17.7824% | 361 |
| Core capital (leverage) ratio | 16.5967% | 418 |
| Tier 1 risk-based capital ratio | 32.5139% | 430 |
| Total risk-based capital ratio | 33.5222% | 431 |
| Memoranda: | ||
| Average total assets | $194,171,250 | 3,026 |
| Average earning assets | $188,278,750 | 2,930 |
| Average equity | $35,145,250 | 2,040 |
| Average total loans | $48,499,750 | 4,769 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0314% | 3,152 |
| Cost of funding earning assets | 0.8604% | 358 |
| Net interest margin | 3.1710% | 4,745 |
| Noninterest income to average assets | 0.2523% | 5,146 |
| Noninterest expense to average assets | 1.5388% | 6,091 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3376% | 1,222 |
| Return on assets (ROA) | 1.3376% | 1,267 |
| Pretax return on assets | 1.7911% | 910 |
| Return on Equity (ROE) | 7.3450% | 3,410 |
| Retained earnings to average equity (ytd only) | 4.5742% | 3,125 |
| Net charge-offs to loans | 0.0083% | 3,610 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 859.0000% | 68 |
| Efficiency ratio | 46.2116% | 6,035 |
| Assets per employee ($millions) | 6.7406% | 953 |
| Cash dividends to net income (ytd only)* | 37.7241% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1324% | 812 |
| Loan loss allowance to noncurrent loans | 994.1748% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0568% | 5,637 |
| Noncurrent loans to loans | 0.2145% | 4,914 |
| Net loans and leases to total assets | 24.0421% | 6,160 |
| Net loans and leases to deposits | 33.6713% | 6,086 |
| Net loans and leases to core deposits | 34.8376% | 6,097 |
| Total domestic deposits to total assets | 71.4024% | 5,966 |
| Equity capital to assets | 17.7022% | 365 |
| Core capital (leverage) ratio | 16.6638% | 391 |
| Tier 1 risk-based capital ratio | 32.9876% | 425 |
| Total risk-based capital ratio | 34.0218% | 424 |
| Memoranda: | ||
| Average total assets | $191,834,330 | 3,081 |
| Average earning assets | $186,186,330 | 2,973 |
| Average equity | $34,935,330 | 2,058 |
| Average total loans | $48,327,670 | 4,811 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0357% | 3,095 |
| Cost of funding earning assets | 0.8553% | 370 |
| Net interest margin | 3.1804% | 4,676 |
| Noninterest income to average assets | 0.2358% | 5,275 |
| Noninterest expense to average assets | 1.5346% | 6,158 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3431% | 1,156 |
| Return on assets (ROA) | 1.3431% | 1,222 |
| Pretax return on assets | 1.7851% | 889 |
| Return on Equity (ROE) | 7.2704% | 3,352 |
| Retained earnings to average equity (ytd only) | 4.1024% | 3,543 |
| Net charge-offs to loans | -0.0083% | 4,642 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2270% | 6,092 |
| Assets per employee ($millions) | 6.9060% | 888 |
| Cash dividends to net income (ytd only)* | 43.5737% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1290% | 887 |
| Loan loss allowance to noncurrent loans | 821.6000% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.0688% | 5,657 |
| Noncurrent loans to loans | 0.2591% | 4,855 |
| Net loans and leases to total assets | 24.4150% | 6,205 |
| Net loans and leases to deposits | 34.9011% | 6,100 |
| Net loans and leases to core deposits | 36.0400% | 6,100 |
| Total domestic deposits to total assets | 69.9549% | 6,131 |
| Equity capital to assets | 18.4792% | 293 |
| Core capital (leverage) ratio | 17.6631% | 308 |
| Tier 1 risk-based capital ratio | 39.2632% | 272 |
| Total risk-based capital ratio | 40.4559% | 267 |
| Memoranda: | ||
| Average total assets | $190,012,500 | 3,121 |
| Average earning assets | $184,253,500 | 3,006 |
| Average equity | $35,101,000 | 2,060 |
| Average total loans | $48,481,000 | 4,830 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1332% | 3,191 |
| Cost of funding earning assets | 0.8993% | 391 |
| Net interest margin | 3.2339% | 4,819 |
| Noninterest income to average assets | 0.2563% | 5,301 |
| Noninterest expense to average assets | 1.5983% | 6,237 |
| Loan and lease loss provision to assets | 0.0375% | 3,826 |
| Net operating income to assets | 1.4239% | 1,035 |
| Return on assets (ROA) | 1.5463% | 828 |
| Pretax return on assets | 1.9007% | 639 |
| Return on Equity (ROE) | 9.0725% | 2,552 |
| Retained earnings to average equity (ytd only) | 7.4807% | 1,202 |
| Net charge-offs to loans | 0.0207% | 4,428 |
| Credit loss provision to net charge-offs | 700.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 333.3000% | 164 |
| Efficiency ratio | 47.2125% | 6,219 |
| Assets per employee ($millions) | 6.6663% | 971 |
| Cash dividends to net income (ytd only)* | 17.5451% | 3,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1057% | 942 |
| Loan loss allowance to noncurrent loans | 2,502.4390% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 5,748 |
| Noncurrent loans to loans | 0.0841% | 5,548 |
| Net loans and leases to total assets | 25.5540% | 6,286 |
| Net loans and leases to deposits | 36.5575% | 6,154 |
| Net loans and leases to core deposits | 37.7995% | 6,156 |
| Total domestic deposits to total assets | 69.9008% | 6,200 |
| Equity capital to assets | 18.4666% | 291 |
| Core capital (leverage) ratio | 16.8222% | 386 |
| Tier 1 risk-based capital ratio | 31.8407% | 437 |
| Total risk-based capital ratio | 32.8660% | 436 |
| Memoranda: | ||
| Average total assets | $186,505,600 | 3,139 |
| Average earning assets | $180,465,200 | 3,037 |
| Average equity | $31,788,400 | 2,175 |
| Average total loans | $48,197,000 | 4,876 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1498% | 3,172 |
| Cost of funding earning assets | 0.9002% | 418 |
| Net interest margin | 3.2496% | 4,790 |
| Noninterest income to average assets | 0.2517% | 5,415 |
| Noninterest expense to average assets | 1.6145% | 6,272 |
| Loan and lease loss provision to assets | 0.0501% | 3,377 |
| Net operating income to assets | 1.3176% | 1,319 |
| Return on assets (ROA) | 1.4708% | 1,025 |
| Pretax return on assets | 1.9299% | 670 |
| Return on Equity (ROE) | 8.8135% | 2,777 |
| Retained earnings to average equity (ytd only) | 7.3696% | 1,637 |
| Net charge-offs to loans | 0.0028% | 4,610 |
| Credit loss provision to net charge-offs | 7,000.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 2,493.1729% | 18 |
| Efficiency ratio | 47.5869% | 6,220 |
| Assets per employee ($millions) | 6.7946% | 874 |
| Cash dividends to net income (ytd only)* | 16.3830% | 3,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1211% | 1,057 |
| Loan loss allowance to noncurrent loans | 855.3719% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.0762% | 5,853 |
| Noncurrent loans to loans | 0.2480% | 5,158 |
| Net loans and leases to total assets | 25.1045% | 6,368 |
| Net loans and leases to deposits | 35.2579% | 6,263 |
| Net loans and leases to core deposits | 36.4171% | 6,275 |
| Total domestic deposits to total assets | 71.2025% | 6,223 |
| Equity capital to assets | 17.4492% | 382 |
| Core capital (leverage) ratio | 16.1460% | 459 |
| Tier 1 risk-based capital ratio | 30.9173% | 488 |
| Total risk-based capital ratio | 31.9428% | 486 |
| Memoranda: | ||
| Average total assets | $186,468,000 | 3,175 |
| Average earning assets | $180,245,250 | 3,056 |
| Average equity | $31,118,250 | 2,221 |
| Average total loans | $48,065,250 | 4,931 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2133% | 2,905 |
| Cost of funding earning assets | 0.9024% | 425 |
| Net interest margin | 3.3109% | 4,544 |
| Noninterest income to average assets | 0.2602% | 5,336 |
| Noninterest expense to average assets | 1.6101% | 6,349 |
| Loan and lease loss provision to assets | 0.0648% | 2,971 |
| Net operating income to assets | 1.3745% | 1,126 |
| Return on assets (ROA) | 1.6090% | 721 |
| Pretax return on assets | 2.0874% | 447 |
| Return on Equity (ROE) | 9.7945% | 2,246 |
| Retained earnings to average equity (ytd only) | 8.6836% | 1,079 |
| Net charge-offs to loans | 0.0335% | 3,540 |
| Credit loss provision to net charge-offs | 750.0000% | 421 |
| Earnings coverage of net charge-offs (x) | 213.8750% | 313 |
| Efficiency ratio | 46.5646% | 6,336 |
| Assets per employee ($millions) | 6.8386% | 862 |
| Cash dividends to net income (ytd only)* | 11.3423% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1783% | 1,061 |
| Loan loss allowance to noncurrent loans | 14,542.8571% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 6,186 |
| Noncurrent loans to loans | 0.0150% | 6,033 |
| Net loans and leases to total assets | 23.8748% | 6,456 |
| Net loans and leases to deposits | 33.1155% | 6,364 |
| Net loans and leases to core deposits | 34.4527% | 6,366 |
| Total domestic deposits to total assets | 72.0955% | 6,244 |
| Equity capital to assets | 16.8658% | 434 |
| Core capital (leverage) ratio | 16.4489% | 416 |
| Tier 1 risk-based capital ratio | 30.7285% | 492 |
| Total risk-based capital ratio | 31.7428% | 496 |
| Memoranda: | ||
| Average total assets | $185,207,670 | 3,205 |
| Average earning assets | $178,862,330 | 3,095 |
| Average equity | $30,425,330 | 2,252 |
| Average total loans | $47,821,670 | 4,972 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4325% | 2,013 |
| Cost of funding earning assets | 0.8984% | 458 |
| Net interest margin | 3.5341% | 3,549 |
| Noninterest income to average assets | 0.2680% | 5,225 |
| Noninterest expense to average assets | 1.6411% | 6,401 |
| Loan and lease loss provision to assets | 0.0659% | 2,807 |
| Net operating income to assets | 1.5897% | 679 |
| Return on assets (ROA) | 2.0915% | 299 |
| Pretax return on assets | 2.5858% | 200 |
| Return on Equity (ROE) | 12.9126% | 1,179 |
| Retained earnings to average equity (ytd only) | 12.9126% | 492 |
| Net charge-offs to loans | 0.1241% | 1,977 |
| Credit loss provision to net charge-offs | 200.0000% | 1,034 |
| Earnings coverage of net charge-offs (x) | 61.6667% | 644 |
| Efficiency ratio | 44.6770% | 6,472 |
| Assets per employee ($millions) | 6.5699% | 980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0418% | 1,439 |
| Loan loss allowance to noncurrent loans | 12,262.5000% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0174% | 6,259 |
| Noncurrent loans to loans | 0.0167% | 6,118 |
| Net loans and leases to total assets | 25.5842% | 6,477 |
| Net loans and leases to deposits | 35.4962% | 6,333 |
| Net loans and leases to core deposits | 36.9881% | 6,336 |
| Total domestic deposits to total assets | 72.0761% | 6,354 |
| Equity capital to assets | 16.7028% | 431 |
| Core capital (leverage) ratio | 16.7721% | 388 |
| Tier 1 risk-based capital ratio | 30.6358% | 503 |
| Total risk-based capital ratio | 31.6209% | 504 |
| Memoranda: | ||
| Average total assets | $182,070,500 | 3,256 |
| Average earning assets | $175,432,000 | 3,154 |
| Average equity | $29,490,500 | 2,301 |
| Average total loans | $48,365,500 | 4,992 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3821% | 2,650 |
| Cost of funding earning assets | 0.9105% | 693 |
| Net interest margin | 3.4716% | 4,019 |
| Noninterest income to average assets | 0.2893% | 5,292 |
| Noninterest expense to average assets | 1.5356% | 6,556 |
| Loan and lease loss provision to assets | 0.0650% | 3,829 |
| Net operating income to assets | 1.5478% | 755 |
| Return on assets (ROA) | 1.5919% | 722 |
| Pretax return on assets | 2.0936% | 392 |
| Return on Equity (ROE) | 9.8778% | 2,160 |
| Retained earnings to average equity (ytd only) | 9.8778% | 583 |
| Net charge-offs to loans | 0.0960% | 3,882 |
| Credit loss provision to net charge-offs | 266.6667% | 849 |
| Earnings coverage of net charge-offs (x) | 86.1556% | 525 |
| Efficiency ratio | 42.2292% | 6,649 |
| Assets per employee ($millions) | 6.4351% | 1,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9841% | 1,593 |
| Loan loss allowance to noncurrent loans | 261.7886% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.2425% | 5,549 |
| Noncurrent loans to loans | 0.7579% | 4,076 |
| Net loans and leases to total assets | 26.4840% | 6,558 |
| Net loans and leases to deposits | 36.2818% | 6,416 |
| Net loans and leases to core deposits | 37.9640% | 6,416 |
| Total domestic deposits to total assets | 72.9954% | 6,358 |
| Equity capital to assets | 15.6812% | 575 |
| Core capital (leverage) ratio | 16.2126% | 449 |
| Tier 1 risk-based capital ratio | 28.6010% | 574 |
| Total risk-based capital ratio | 29.5358% | 581 |
| Memoranda: | ||
| Average total assets | $184,559,200 | 3,225 |
| Average earning assets | $177,927,600 | 3,100 |
| Average equity | $29,743,600 | 2,269 |
| Average total loans | $46,892,600 | 5,074 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3423% | 2,825 |
| Cost of funding earning assets | 0.9047% | 797 |
| Net interest margin | 3.4377% | 4,133 |
| Noninterest income to average assets | 0.2844% | 5,413 |
| Noninterest expense to average assets | 1.5232% | 6,624 |
| Loan and lease loss provision to assets | 0.0646% | 3,764 |
| Net operating income to assets | 1.6075% | 742 |
| Return on assets (ROA) | 1.6690% | 691 |
| Pretax return on assets | 2.0892% | 481 |
| Return on Equity (ROE) | 10.2889% | 2,068 |
| Retained earnings to average equity (ytd only) | 10.2889% | 731 |
| Net charge-offs to loans | 0.0258% | 4,607 |
| Credit loss provision to net charge-offs | 1,000.0000% | 305 |
| Earnings coverage of net charge-offs (x) | 321.3250% | 181 |
| Efficiency ratio | 42.3100% | 6,696 |
| Assets per employee ($millions) | 6.5644% | 905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0583% | 1,594 |
| Loan loss allowance to noncurrent loans | 467.3077% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.1175% | 6,076 |
| Noncurrent loans to loans | 0.4405% | 5,094 |
| Net loans and leases to total assets | 25.1640% | 6,665 |
| Net loans and leases to deposits | 34.3266% | 6,560 |
| Net loans and leases to core deposits | 35.8768% | 6,563 |
| Total domestic deposits to total assets | 73.3077% | 6,412 |
| Equity capital to assets | 15.5651% | 621 |
| Core capital (leverage) ratio | 15.9646% | 494 |
| Tier 1 risk-based capital ratio | 28.3044% | 607 |
| Total risk-based capital ratio | 29.2537% | 623 |
| Memoranda: | ||
| Average total assets | $185,653,000 | 3,244 |
| Average earning assets | $179,070,250 | 3,110 |
| Average equity | $30,115,750 | 2,263 |
| Average total loans | $46,444,250 | 5,138 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2956% | 2,974 |
| Cost of funding earning assets | 0.9007% | 895 |
| Net interest margin | 3.3949% | 4,206 |
| Noninterest income to average assets | 0.2888% | 5,388 |
| Noninterest expense to average assets | 1.5300% | 6,654 |
| Loan and lease loss provision to assets | 0.0644% | 3,732 |
| Net operating income to assets | 1.5916% | 757 |
| Return on assets (ROA) | 1.6847% | 701 |
| Pretax return on assets | 2.0873% | 508 |
| Return on Equity (ROE) | 10.2489% | 2,106 |
| Retained earnings to average equity (ytd only) | 10.2489% | 794 |
| Net charge-offs to loans | 0.0303% | 4,265 |
| Credit loss provision to net charge-offs | 857.1429% | 353 |
| Earnings coverage of net charge-offs (x) | 271.0000% | 186 |
| Efficiency ratio | 42.8958% | 6,735 |
| Assets per employee ($millions) | 6.6240% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0095% | 1,829 |
| Loan loss allowance to noncurrent loans | 6,742.8571% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 6,516 |
| Noncurrent loans to loans | 0.0298% | 6,320 |
| Net loans and leases to total assets | 24.8195% | 6,713 |
| Net loans and leases to deposits | 33.6518% | 6,622 |
| Net loans and leases to core deposits | 35.0741% | 6,622 |
| Total domestic deposits to total assets | 73.7538% | 6,459 |
| Equity capital to assets | 15.2816% | 661 |
| Core capital (leverage) ratio | 15.0833% | 598 |
| Tier 1 risk-based capital ratio | 27.6394% | 653 |
| Total risk-based capital ratio | 28.5615% | 658 |
| Memoranda: | ||
| Average total assets | $186,270,000 | 3,251 |
| Average earning assets | $179,857,000 | 3,114 |
| Average equity | $30,618,000 | 2,245 |
| Average total loans | $46,184,330 | 5,177 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2782% | 2,988 |
| Cost of funding earning assets | 0.8951% | 1,005 |
| Net interest margin | 3.3831% | 4,183 |
| Noninterest income to average assets | 0.2550% | 5,633 |
| Noninterest expense to average assets | 1.5300% | 6,717 |
| Loan and lease loss provision to assets | 0.0643% | 3,553 |
| Net operating income to assets | 1.6159% | 683 |
| Return on assets (ROA) | 1.8085% | 526 |
| Pretax return on assets | 2.1621% | 447 |
| Return on Equity (ROE) | 10.6312% | 1,826 |
| Retained earnings to average equity (ytd only) | 10.6312% | 955 |
| Net charge-offs to loans | 0.0524% | 3,305 |
| Credit loss provision to net charge-offs | 500.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 155.3333% | 260 |
| Efficiency ratio | 43.3779% | 6,796 |
| Assets per employee ($millions) | 6.6805% | 904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0415% | 1,935 |
| Loan loss allowance to noncurrent loans | 1,288.7324% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 6,104 |
| Noncurrent loans to loans | 0.1584% | 5,999 |
| Net loans and leases to total assets | 23.4717% | 6,786 |
| Net loans and leases to deposits | 33.2478% | 6,661 |
| Net loans and leases to core deposits | 34.7738% | 6,656 |
| Total domestic deposits to total assets | 70.5963% | 6,732 |
| Equity capital to assets | 17.0292% | 422 |
| Core capital (leverage) ratio | 14.8830% | 607 |
| Tier 1 risk-based capital ratio | 27.8010% | 653 |
| Total risk-based capital ratio | 28.7237% | 662 |
| Memoranda: | ||
| Average total assets | $186,669,500 | 3,275 |
| Average earning assets | $180,545,000 | 3,136 |
| Average equity | $31,755,500 | 2,197 |
| Average total loans | $45,788,000 | 5,222 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4463% | 3,627 |
| Cost of funding earning assets | 1.0475% | 1,133 |
| Net interest margin | 3.3989% | 4,888 |
| Noninterest income to average assets | 0.2700% | 5,528 |
| Noninterest expense to average assets | 1.5360% | 6,849 |
| Loan and lease loss provision to assets | 0.2001% | 3,136 |
| Net operating income to assets | 1.4515% | 1,002 |
| Return on assets (ROA) | 1.4955% | 1,017 |
| Pretax return on assets | 1.8695% | 795 |
| Return on Equity (ROE) | 8.7365% | 2,772 |
| Retained earnings to average equity (ytd only) | -2.7179% | 6,240 |
| Net charge-offs to loans | 0.6149% | 1,900 |
| Credit loss provision to net charge-offs | 132.5088% | 2,115 |
| Earnings coverage of net charge-offs (x) | 13.3428% | 1,835 |
| Efficiency ratio | 43.2607% | 6,871 |
| Assets per employee ($millions) | 6.6530% | 921 |
| Cash dividends to net income (ytd only)* | 131.1095% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9056% | 2,279 |
| Loan loss allowance to noncurrent loans | 1,713.4615% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 6,529 |
| Noncurrent loans to loans | 0.1112% | 6,211 |
| Net loans and leases to total assets | 24.6210% | 6,845 |
| Net loans and leases to deposits | 34.9525% | 6,709 |
| Net loans and leases to core deposits | 36.4862% | 6,717 |
| Total domestic deposits to total assets | 70.4414% | 6,771 |
| Equity capital to assets | 16.9939% | 417 |
| Core capital (leverage) ratio | 14.2364% | 735 |
| Tier 1 risk-based capital ratio | 26.6916% | 714 |
| Total risk-based capital ratio | 27.5814% | 735 |
| Memoranda: | ||
| Average total assets | $187,432,000 | 3,203 |
| Average earning assets | $180,913,800 | 3,074 |
| Average equity | $32,083,800 | 2,136 |
| Average total loans | $46,022,000 | 5,251 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4553% | 3,804 |
| Cost of funding earning assets | 1.0791% | 1,147 |
| Net interest margin | 3.3763% | 5,109 |
| Noninterest income to average assets | 0.2600% | 5,709 |
| Noninterest expense to average assets | 1.5441% | 6,915 |
| Loan and lease loss provision to assets | 0.1918% | 3,189 |
| Net operating income to assets | 1.4167% | 1,189 |
| Return on assets (ROA) | 1.4745% | 1,189 |
| Pretax return on assets | 1.8552% | 953 |
| Return on Equity (ROE) | 8.5986% | 2,997 |
| Retained earnings to average equity (ytd only) | 6.4821% | 2,385 |
| Net charge-offs to loans | 0.7679% | 1,441 |
| Credit loss provision to net charge-offs | 102.2727% | 2,875 |
| Earnings coverage of net charge-offs (x) | 10.5265% | 2,177 |
| Efficiency ratio | 43.8926% | 6,900 |
| Assets per employee ($millions) | 6.7849% | 822 |
| Cash dividends to net income (ytd only)* | 24.6148% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7527% | 2,955 |
| Loan loss allowance to noncurrent loans | 1,548.0769% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 6,700 |
| Noncurrent loans to loans | 0.1132% | 6,329 |
| Net loans and leases to total assets | 23.7530% | 6,974 |
| Net loans and leases to deposits | 34.0394% | 6,867 |
| Net loans and leases to core deposits | 35.6615% | 6,863 |
| Total domestic deposits to total assets | 69.7809% | 6,856 |
| Equity capital to assets | 17.8780% | 374 |
| Core capital (leverage) ratio | 15.3419% | 561 |
| Tier 1 risk-based capital ratio | 28.9146% | 592 |
| Total risk-based capital ratio | 29.7128% | 604 |
| Memoranda: | ||
| Average total assets | $187,719,000 | 3,237 |
| Average earning assets | $181,142,250 | 3,103 |
| Average equity | $32,190,500 | 2,154 |
| Average total loans | $45,838,500 | 5,313 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4992% | 3,765 |
| Cost of funding earning assets | 1.1281% | 1,104 |
| Net interest margin | 3.3710% | 5,202 |
| Noninterest income to average assets | 0.2471% | 5,811 |
| Noninterest expense to average assets | 1.5575% | 6,967 |
| Loan and lease loss provision to assets | 0.1765% | 3,336 |
| Net operating income to assets | 1.3793% | 1,236 |
| Return on assets (ROA) | 1.4644% | 1,193 |
| Pretax return on assets | 1.8763% | 892 |
| Return on Equity (ROE) | 8.6647% | 2,958 |
| Retained earnings to average equity (ytd only) | 6.5065% | 2,379 |
| Net charge-offs to loans | 1.0042% | 1,102 |
| Credit loss provision to net charge-offs | 71.7391% | 3,515 |
| Earnings coverage of net charge-offs (x) | 7.9000% | 2,398 |
| Efficiency ratio | 44.4852% | 6,936 |
| Assets per employee ($millions) | 6.5603% | 926 |
| Cash dividends to net income (ytd only)* | 24.9087% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7084% | 3,193 |
| Loan loss allowance to noncurrent loans | 643.8596% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.1146% | 6,505 |
| Noncurrent loans to loans | 0.2653% | 6,051 |
| Net loans and leases to total assets | 22.1973% | 7,057 |
| Net loans and leases to deposits | 31.4270% | 6,978 |
| Net loans and leases to core deposits | 32.9045% | 6,973 |
| Total domestic deposits to total assets | 70.6315% | 6,873 |
| Equity capital to assets | 17.2790% | 409 |
| Core capital (leverage) ratio | 15.1552% | 572 |
| Tier 1 risk-based capital ratio | 28.9256% | 578 |
| Total risk-based capital ratio | 29.6656% | 601 |
| Memoranda: | ||
| Average total assets | $186,966,670 | 3,252 |
| Average earning assets | $180,478,330 | 3,123 |
| Average equity | $31,599,330 | 2,169 |
| Average total loans | $45,808,000 | 5,349 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5417% | 3,748 |
| Cost of funding earning assets | 1.1589% | 1,145 |
| Net interest margin | 3.3828% | 5,184 |
| Noninterest income to average assets | 0.2331% | 5,957 |
| Noninterest expense to average assets | 1.6123% | 6,964 |
| Loan and lease loss provision to assets | 0.1295% | 3,727 |
| Net operating income to assets | 1.2454% | 1,613 |
| Return on assets (ROA) | 1.2454% | 1,789 |
| Pretax return on assets | 1.7547% | 1,186 |
| Return on Equity (ROE) | 7.4542% | 3,525 |
| Retained earnings to average equity (ytd only) | 5.2451% | 3,407 |
| Net charge-offs to loans | -0.3218% | 7,086 |
| Credit loss provision to net charge-offs | -157.8947% | 5,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1111% | 6,894 |
| Assets per employee ($millions) | 6.7172% | 871 |
| Cash dividends to net income (ytd only)* | 29.6360% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9610% | 2,483 |
| Loan loss allowance to noncurrent loans | 179.7595% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.2759% | 6,199 |
| Noncurrent loans to loans | 1.0909% | 4,509 |
| Net loans and leases to total assets | 23.8439% | 7,084 |
| Net loans and leases to deposits | 33.3912% | 6,972 |
| Net loans and leases to core deposits | 35.0288% | 6,964 |
| Total domestic deposits to total assets | 71.4077% | 6,909 |
| Equity capital to assets | 16.5997% | 485 |
| Core capital (leverage) ratio | 15.2849% | 559 |
| Tier 1 risk-based capital ratio | 28.7046% | 588 |
| Total risk-based capital ratio | 29.6197% | 601 |
| Memoranda: | ||
| Average total assets | $185,326,000 | 3,292 |
| Average earning assets | $178,789,000 | 3,160 |
| Average equity | $30,962,500 | 2,207 |
| Average total loans | $47,230,000 | 5,330 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8974% | 3,372 |
| Cost of funding earning assets | 1.2546% | 1,704 |
| Net interest margin | 3.6428% | 4,551 |
| Noninterest income to average assets | 0.2798% | 5,527 |
| Noninterest expense to average assets | 1.5896% | 7,127 |
| Loan and lease loss provision to assets | 0.1346% | 4,935 |
| Net operating income to assets | 1.6488% | 603 |
| Return on assets (ROA) | 1.8319% | 465 |
| Pretax return on assets | 2.2782% | 318 |
| Return on Equity (ROE) | 11.8843% | 1,438 |
| Retained earnings to average equity (ytd only) | 9.3780% | 704 |
| Net charge-offs to loans | 0.3919% | 3,455 |
| Credit loss provision to net charge-offs | 128.3422% | 2,415 |
| Earnings coverage of net charge-offs (x) | 20.8289% | 1,116 |
| Efficiency ratio | 42.1248% | 7,168 |
| Assets per employee ($millions) | 6.5204% | 946 |
| Cash dividends to net income (ytd only)* | 21.0897% | 3,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6401% | 3,418 |
| Loan loss allowance to noncurrent loans | 4,438.8889% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 6,814 |
| Noncurrent loans to loans | 0.0369% | 6,735 |
| Net loans and leases to total assets | 26.2464% | 7,114 |
| Net loans and leases to deposits | 36.9265% | 6,978 |
| Net loans and leases to core deposits | 38.8176% | 6,975 |
| Total domestic deposits to total assets | 71.0774% | 6,927 |
| Equity capital to assets | 16.8177% | 475 |
| Core capital (leverage) ratio | 15.3550% | 546 |
| Tier 1 risk-based capital ratio | 28.7585% | 577 |
| Total risk-based capital ratio | 29.5818% | 594 |
| Memoranda: | ||
| Average total assets | $178,343,000 | 3,359 |
| Average earning assets | $171,051,400 | 3,224 |
| Average equity | $27,490,000 | 2,359 |
| Average total loans | $47,718,400 | 5,357 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9469% | 3,345 |
| Cost of funding earning assets | 1.2705% | 1,857 |
| Net interest margin | 3.6764% | 4,441 |
| Noninterest income to average assets | 0.2798% | 5,609 |
| Noninterest expense to average assets | 1.6568% | 7,139 |
| Loan and lease loss provision to assets | 0.1354% | 4,744 |
| Net operating income to assets | 1.5530% | 843 |
| Return on assets (ROA) | 1.7719% | 599 |
| Pretax return on assets | 2.2908% | 361 |
| Return on Equity (ROE) | 11.7709% | 1,601 |
| Retained earnings to average equity (ytd only) | 9.1879% | 1,083 |
| Net charge-offs to loans | 0.1798% | 4,362 |
| Credit loss provision to net charge-offs | 281.2500% | 1,021 |
| Earnings coverage of net charge-offs (x) | 44.5006% | 713 |
| Efficiency ratio | 43.6151% | 7,157 |
| Assets per employee ($millions) | 6.3929% | 994 |
| Cash dividends to net income (ytd only)* | 21.9441% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8573% | 2,757 |
| Loan loss allowance to noncurrent loans | 1,180.8219% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.1402% | 6,689 |
| Noncurrent loans to loans | 0.1573% | 6,553 |
| Net loans and leases to total assets | 24.5692% | 7,220 |
| Net loans and leases to deposits | 34.3714% | 7,119 |
| Net loans and leases to core deposits | 36.2633% | 7,112 |
| Total domestic deposits to total assets | 71.4814% | 6,966 |
| Equity capital to assets | 16.4087% | 563 |
| Core capital (leverage) ratio | 15.2560% | 613 |
| Tier 1 risk-based capital ratio | 28.2893% | 632 |
| Total risk-based capital ratio | 29.1801% | 647 |
| Memoranda: | ||
| Average total assets | $177,286,250 | 3,391 |
| Average earning assets | $169,692,000 | 3,257 |
| Average equity | $26,686,500 | 2,425 |
| Average total loans | $47,468,750 | 5,407 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0021% | 3,144 |
| Cost of funding earning assets | 1.2994% | 1,944 |
| Net interest margin | 3.7027% | 4,249 |
| Noninterest income to average assets | 0.3001% | 5,487 |
| Noninterest expense to average assets | 1.6622% | 7,216 |
| Loan and lease loss provision to assets | 0.1375% | 4,585 |
| Net operating income to assets | 1.6068% | 723 |
| Return on assets (ROA) | 1.9326% | 404 |
| Pretax return on assets | 2.4481% | 268 |
| Return on Equity (ROE) | 13.2617% | 1,144 |
| Retained earnings to average equity (ytd only) | 10.5575% | 738 |
| Net charge-offs to loans | 0.3262% | 3,256 |
| Credit loss provision to net charge-offs | 153.8462% | 1,980 |
| Earnings coverage of net charge-offs (x) | 24.3205% | 1,065 |
| Efficiency ratio | 43.3393% | 7,262 |
| Assets per employee ($millions) | 6.1470% | 1,104 |
| Cash dividends to net income (ytd only)* | 20.3912% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7403% | 3,188 |
| Loan loss allowance to noncurrent loans | 481.0976% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.1604% | 6,689 |
| Noncurrent loans to loans | 0.3617% | 6,184 |
| Net loans and leases to total assets | 24.9902% | 7,300 |
| Net loans and leases to deposits | 34.4247% | 7,204 |
| Net loans and leases to core deposits | 36.3648% | 7,210 |
| Total domestic deposits to total assets | 72.5937% | 6,967 |
| Equity capital to assets | 15.6304% | 673 |
| Core capital (leverage) ratio | 15.5474% | 569 |
| Tier 1 risk-based capital ratio | 28.2940% | 640 |
| Total risk-based capital ratio | 29.1245% | 653 |
| Memoranda: | ||
| Average total assets | $174,583,330 | 3,453 |
| Average earning assets | $166,691,000 | 3,325 |
| Average equity | $25,441,670 | 2,515 |
| Average total loans | $47,821,000 | 5,444 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0394% | 2,910 |
| Cost of funding earning assets | 1.3274% | 2,022 |
| Net interest margin | 3.7120% | 4,035 |
| Noninterest income to average assets | 0.3103% | 5,449 |
| Noninterest expense to average assets | 1.6996% | 7,229 |
| Loan and lease loss provision to assets | 0.1389% | 4,268 |
| Net operating income to assets | 1.6222% | 660 |
| Return on assets (ROA) | 2.0817% | 325 |
| Pretax return on assets | 2.5680% | 231 |
| Return on Equity (ROE) | 14.8405% | 846 |
| Retained earnings to average equity (ytd only) | 12.0012% | 738 |
| Net charge-offs to loans | 0.2853% | 2,920 |
| Credit loss provision to net charge-offs | 171.4286% | 1,686 |
| Earnings coverage of net charge-offs (x) | 26.4000% | 924 |
| Efficiency ratio | 44.2702% | 7,272 |
| Assets per employee ($millions) | 5.7469% | 1,378 |
| Cash dividends to net income (ytd only)* | 19.1324% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6314% | 3,596 |
| Loan loss allowance to noncurrent loans | 2,487.0968% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0858% | 6,951 |
| Noncurrent loans to loans | 0.0656% | 6,879 |
| Net loans and leases to total assets | 26.9654% | 7,320 |
| Net loans and leases to deposits | 36.7193% | 7,203 |
| Net loans and leases to core deposits | 38.7885% | 7,200 |
| Total domestic deposits to total assets | 73.4365% | 6,961 |
| Equity capital to assets | 14.4873% | 883 |
| Core capital (leverage) ratio | 15.6658% | 555 |
| Tier 1 risk-based capital ratio | 27.0970% | 696 |
| Total risk-based capital ratio | 27.8925% | 720 |
| Memoranda: | ||
| Average total assets | $172,744,000 | 3,509 |
| Average earning assets | $164,225,000 | 3,385 |
| Average equity | $24,231,000 | 2,623 |
| Average total loans | $49,063,000 | 5,437 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2787% | 3,223 |
| Cost of funding earning assets | 1.6837% | 1,667 |
| Net interest margin | 3.5950% | 4,841 |
| Noninterest income to average assets | 0.3224% | 5,478 |
| Noninterest expense to average assets | 1.6252% | 7,391 |
| Loan and lease loss provision to assets | 0.1396% | 5,788 |
| Net operating income to assets | 1.5607% | 672 |
| Return on assets (ROA) | 1.6333% | 635 |
| Pretax return on assets | 2.0872% | 398 |
| Return on Equity (ROE) | 11.4839% | 1,459 |
| Retained earnings to average equity (ytd only) | 9.3687% | 628 |
| Net charge-offs to loans | 0.3990% | 4,045 |
| Credit loss provision to net charge-offs | 123.0769% | 3,383 |
| Earnings coverage of net charge-offs (x) | 18.8051% | 1,091 |
| Efficiency ratio | 43.2353% | 7,434 |
| Assets per employee ($millions) | 5.7694% | 1,380 |
| Cash dividends to net income (ytd only)* | 18.4182% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4666% | 4,206 |
| Loan loss allowance to noncurrent loans | 1,065.7143% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.3351% | 6,411 |
| Noncurrent loans to loans | 0.1376% | 6,798 |
| Net loans and leases to total assets | 28.9568% | 7,381 |
| Net loans and leases to deposits | 40.6273% | 7,235 |
| Net loans and leases to core deposits | 42.9970% | 7,232 |
| Total domestic deposits to total assets | 71.2743% | 7,151 |
| Equity capital to assets | 13.5687% | 1,162 |
| Core capital (leverage) ratio | 14.4954% | 748 |
| Tier 1 risk-based capital ratio | 25.5220% | 798 |
| Total risk-based capital ratio | 26.2676% | 825 |
| Memoranda: | ||
| Average total assets | $171,859,400 | 3,500 |
| Average earning assets | $164,281,600 | 3,369 |
| Average equity | $24,443,000 | 2,615 |
| Average total loans | $48,866,400 | 5,530 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2823% | 3,439 |
| Cost of funding earning assets | 1.7272% | 1,732 |
| Net interest margin | 3.5551% | 5,082 |
| Noninterest income to average assets | 0.3319% | 5,506 |
| Noninterest expense to average assets | 1.6220% | 7,489 |
| Loan and lease loss provision to assets | 0.1399% | 5,631 |
| Net operating income to assets | 1.5185% | 885 |
| Return on assets (ROA) | 1.6142% | 798 |
| Pretax return on assets | 2.1000% | 498 |
| Return on Equity (ROE) | 11.2195% | 1,723 |
| Retained earnings to average equity (ytd only) | 9.3613% | 942 |
| Net charge-offs to loans | 0.4493% | 3,506 |
| Credit loss provision to net charge-offs | 110.4294% | 3,829 |
| Earnings coverage of net charge-offs (x) | 16.6992% | 1,371 |
| Efficiency ratio | 43.3978% | 7,485 |
| Assets per employee ($millions) | 5.9584% | 1,268 |
| Cash dividends to net income (ytd only)* | 16.5625% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4539% | 4,188 |
| Loan loss allowance to noncurrent loans | 1,025.7143% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.3189% | 6,590 |
| Noncurrent loans to loans | 0.1417% | 6,893 |
| Net loans and leases to total assets | 27.2249% | 7,522 |
| Net loans and leases to deposits | 38.3485% | 7,412 |
| Net loans and leases to core deposits | 40.7778% | 7,405 |
| Total domestic deposits to total assets | 70.9933% | 7,219 |
| Equity capital to assets | 15.0947% | 869 |
| Core capital (leverage) ratio | 14.1719% | 888 |
| Tier 1 risk-based capital ratio | 25.9091% | 781 |
| Total risk-based capital ratio | 26.6539% | 809 |
| Memoranda: | ||
| Average total assets | $171,553,750 | 3,546 |
| Average earning assets | $164,343,000 | 3,418 |
| Average equity | $24,682,500 | 2,630 |
| Average total loans | $48,366,750 | 5,628 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3447% | 3,239 |
| Cost of funding earning assets | 1.7919% | 1,671 |
| Net interest margin | 3.5529% | 5,034 |
| Noninterest income to average assets | 0.3429% | 5,404 |
| Noninterest expense to average assets | 1.6305% | 7,548 |
| Loan and lease loss provision to assets | 0.1419% | 5,476 |
| Net operating income to assets | 1.5009% | 912 |
| Return on assets (ROA) | 1.5737% | 829 |
| Pretax return on assets | 2.0703% | 520 |
| Return on Equity (ROE) | 11.1306% | 1,706 |
| Retained earnings to average equity (ytd only) | 9.6923% | 918 |
| Net charge-offs to loans | 0.1499% | 4,736 |
| Credit loss provision to net charge-offs | 333.3333% | 1,087 |
| Earnings coverage of net charge-offs (x) | 49.7222% | 595 |
| Efficiency ratio | 43.5153% | 7,539 |
| Assets per employee ($millions) | 5.9533% | 1,263 |
| Cash dividends to net income (ytd only)* | 12.9226% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6159% | 3,382 |
| Loan loss allowance to noncurrent loans | 75.4808% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 0.6429% | 5,881 |
| Noncurrent loans to loans | 2.1408% | 3,539 |
| Net loans and leases to total assets | 27.6838% | 7,585 |
| Net loans and leases to deposits | 38.8337% | 7,471 |
| Net loans and leases to core deposits | 41.1458% | 7,470 |
| Total domestic deposits to total assets | 71.2881% | 7,237 |
| Equity capital to assets | 14.7186% | 946 |
| Core capital (leverage) ratio | 14.0864% | 909 |
| Tier 1 risk-based capital ratio | 26.3255% | 751 |
| Total risk-based capital ratio | 27.1723% | 762 |
| Memoranda: | ||
| Average total assets | $169,154,330 | 3,610 |
| Average earning assets | $162,066,000 | 3,481 |
| Average equity | $23,916,000 | 2,703 |
| Average total loans | $48,028,000 | 5,689 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3343% | 3,371 |
| Cost of funding earning assets | 1.8896% | 1,493 |
| Net interest margin | 3.4447% | 5,399 |
| Noninterest income to average assets | 0.3321% | 5,488 |
| Noninterest expense to average assets | 1.6272% | 7,636 |
| Loan and lease loss provision to assets | 0.1434% | 5,114 |
| Net operating income to assets | 1.3990% | 1,077 |
| Return on assets (ROA) | 1.5244% | 922 |
| Pretax return on assets | 2.0262% | 577 |
| Return on Equity (ROE) | 11.0150% | 1,786 |
| Retained earnings to average equity (ytd only) | 11.0150% | 921 |
| Net charge-offs to loans | 0.2178% | 3,620 |
| Credit loss provision to net charge-offs | 230.7692% | 1,651 |
| Earnings coverage of net charge-offs (x) | 32.2308% | 827 |
| Efficiency ratio | 44.8321% | 7,594 |
| Assets per employee ($millions) | 5.8863% | 1,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5570% | 3,631 |
| Loan loss allowance to noncurrent loans | 69.3396% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 0.6620% | 5,859 |
| Noncurrent loans to loans | 2.2455% | 3,461 |
| Net loans and leases to total assets | 27.2229% | 7,687 |
| Net loans and leases to deposits | 37.7866% | 7,585 |
| Net loans and leases to core deposits | 39.9405% | 7,577 |
| Total domestic deposits to total assets | 72.0437% | 7,262 |
| Equity capital to assets | 13.9260% | 1,166 |
| Core capital (leverage) ratio | 14.2942% | 898 |
| Tier 1 risk-based capital ratio | 26.1187% | 764 |
| Total risk-based capital ratio | 26.9225% | 784 |
| Memoranda: | ||
| Average total assets | $167,408,500 | 3,705 |
| Average earning assets | $160,247,000 | 3,562 |
| Average equity | $23,168,500 | 2,809 |
| Average total loans | $47,752,000 | 5,771 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6639% | 3,283 |
| Cost of funding earning assets | 2.0653% | 2,656 |
| Net interest margin | 3.5986% | 4,554 |
| Noninterest income to average assets | 0.3609% | 5,507 |
| Noninterest expense to average assets | 1.7650% | 7,644 |
| Loan and lease loss provision to assets | 0.1552% | 6,120 |
| Net operating income to assets | 1.4283% | 805 |
| Return on assets (ROA) | 1.4293% | 856 |
| Pretax return on assets | 1.8846% | 526 |
| Return on Equity (ROE) | 10.1188% | 1,657 |
| Retained earnings to average equity (ytd only) | 10.1188% | 359 |
| Net charge-offs to loans | 0.0847% | 6,268 |
| Credit loss provision to net charge-offs | 631.5789% | 463 |
| Earnings coverage of net charge-offs (x) | 82.9474% | 329 |
| Efficiency ratio | 46.4037% | 7,695 |
| Assets per employee ($millions) | 5.6591% | 1,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4514% | 3,965 |
| Loan loss allowance to noncurrent loans | 42.8484% | 5,551 |
| Noncurrent assets plus other real estate owned to assets | 1.0395% | 5,023 |
| Noncurrent loans to loans | 3.3872% | 2,257 |
| Net loans and leases to total assets | 29.0028% | 7,734 |
| Net loans and leases to deposits | 40.6953% | 7,603 |
| Net loans and leases to core deposits | 49.4957% | 7,598 |
| Total domestic deposits to total assets | 71.2683% | 7,310 |
| Equity capital to assets | 13.7495% | 1,237 |
| Core capital (leverage) ratio | 14.0430% | 969 |
| Tier 1 risk-based capital ratio | 26.4824% | 731 |
| Total risk-based capital ratio | 27.2810% | 743 |
| Memoranda: | ||
| Average total assets | $154,619,400 | 3,885 |
| Average earning assets | $147,918,800 | 3,746 |
| Average equity | $21,840,600 | 2,964 |
| Average total loans | $44,870,400 | 5,880 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6101% | 3,808 |
| Cost of funding earning assets | 2.0788% | 2,990 |
| Net interest margin | 3.5313% | 4,739 |
| Noninterest income to average assets | 0.3757% | 5,504 |
| Noninterest expense to average assets | 1.7769% | 7,682 |
| Loan and lease loss provision to assets | 0.0569% | 6,798 |
| Net operating income to assets | 1.4152% | 987 |
| Return on assets (ROA) | 1.4152% | 1,057 |
| Pretax return on assets | 1.9188% | 636 |
| Return on Equity (ROE) | 9.9476% | 1,929 |
| Retained earnings to average equity (ytd only) | 9.9476% | 643 |
| Net charge-offs to loans | 0.0788% | 5,890 |
| Credit loss provision to net charge-offs | 250.0000% | 1,716 |
| Earnings coverage of net charge-offs (x) | 86.7586% | 401 |
| Efficiency ratio | 47.3512% | 7,698 |
| Assets per employee ($millions) | 5.3254% | 1,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1618% | 5,350 |
| Loan loss allowance to noncurrent loans | 173.2258% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.2411% | 6,916 |
| Noncurrent loans to loans | 0.6707% | 5,960 |
| Net loans and leases to total assets | 27.6727% | 7,852 |
| Net loans and leases to deposits | 38.9383% | 7,762 |
| Net loans and leases to core deposits | 47.6829% | 7,739 |
| Total domestic deposits to total assets | 71.0680% | 7,329 |
| Equity capital to assets | 14.2489% | 1,225 |
| Core capital (leverage) ratio | 14.5376% | 950 |
| Tier 1 risk-based capital ratio | 27.0351% | 744 |
| Total risk-based capital ratio | 27.6760% | 772 |
| Memoranda: | ||
| Average total assets | $152,245,500 | 3,944 |
| Average earning assets | $145,591,500 | 3,805 |
| Average equity | $21,659,500 | 3,016 |
| Average total loans | $44,013,250 | 5,967 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7032% | 3,522 |
| Cost of funding earning assets | 2.1292% | 3,133 |
| Net interest margin | 3.5741% | 4,476 |
| Noninterest income to average assets | 0.3744% | 5,513 |
| Noninterest expense to average assets | 1.6991% | 7,832 |
| Loan and lease loss provision to assets | 0.0406% | 6,831 |
| Net operating income to assets | 1.5314% | 783 |
| Return on assets (ROA) | 1.5314% | 838 |
| Pretax return on assets | 2.0518% | 490 |
| Return on Equity (ROE) | 10.7708% | 1,763 |
| Retained earnings to average equity (ytd only) | 10.7708% | 595 |
| Net charge-offs to loans | 0.0693% | 5,542 |
| Credit loss provision to net charge-offs | 200.0000% | 2,268 |
| Earnings coverage of net charge-offs (x) | 103.2000% | 372 |
| Efficiency ratio | 44.8128% | 7,895 |
| Assets per employee ($millions) | 5.0895% | 1,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2017% | 4,927 |
| Loan loss allowance to noncurrent loans | 193.2331% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.2318% | 6,919 |
| Noncurrent loans to loans | 0.6219% | 6,009 |
| Net loans and leases to total assets | 27.6771% | 7,936 |
| Net loans and leases to deposits | 39.0697% | 7,841 |
| Net loans and leases to core deposits | 45.7131% | 7,840 |
| Total domestic deposits to total assets | 70.8402% | 7,386 |
| Equity capital to assets | 13.6804% | 1,429 |
| Core capital (leverage) ratio | 14.7304% | 969 |
| Tier 1 risk-based capital ratio | 28.1468% | 706 |
| Total risk-based capital ratio | 28.7994% | 725 |
| Memoranda: | ||
| Average total assets | $147,965,000 | 4,029 |
| Average earning assets | $141,464,000 | 3,915 |
| Average equity | $21,038,330 | 3,096 |
| Average total loans | $43,277,330 | 6,051 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8623% | 2,977 |
| Cost of funding earning assets | 2.1463% | 3,430 |
| Net interest margin | 3.7159% | 3,826 |
| Noninterest income to average assets | 0.3599% | 5,562 |
| Noninterest expense to average assets | 1.6730% | 7,850 |
| Loan and lease loss provision to assets | 0.0412% | 6,452 |
| Net operating income to assets | 1.7087% | 637 |
| Return on assets (ROA) | 1.7087% | 700 |
| Pretax return on assets | 2.2032% | 440 |
| Return on Equity (ROE) | 11.7839% | 1,731 |
| Retained earnings to average equity (ytd only) | 11.7839% | 828 |
| Net charge-offs to loans | 0.0276% | 5,143 |
| Credit loss provision to net charge-offs | 500.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 272.3333% | 151 |
| Efficiency ratio | 42.7069% | 7,978 |
| Assets per employee ($millions) | 5.0989% | 1,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1908% | 4,868 |
| Loan loss allowance to noncurrent loans | 149.8534% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.2306% | 6,831 |
| Noncurrent loans to loans | 0.7946% | 5,450 |
| Net loans and leases to total assets | 28.6764% | 7,945 |
| Net loans and leases to deposits | 41.1652% | 7,807 |
| Net loans and leases to core deposits | 47.5418% | 7,841 |
| Total domestic deposits to total assets | 69.6619% | 7,458 |
| Equity capital to assets | 14.2026% | 1,308 |
| Core capital (leverage) ratio | 14.9480% | 984 |
| Tier 1 risk-based capital ratio | 29.5963% | 645 |
| Total risk-based capital ratio | 30.2946% | 667 |
| Memoranda: | ||
| Average total assets | $145,604,500 | 4,083 |
| Average earning assets | $139,399,500 | 3,965 |
| Average equity | $21,113,500 | 3,104 |
| Average total loans | $43,529,500 | 6,074 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1392% | 4,839 |
| Cost of funding earning assets | 2.6527% | 3,407 |
| Net interest margin | 3.4864% | 5,342 |
| Noninterest income to average assets | 0.4395% | 5,119 |
| Noninterest expense to average assets | 1.7925% | 7,762 |
| Loan and lease loss provision to assets | 0.0489% | 6,800 |
| Net operating income to assets | 1.4673% | 1,083 |
| Return on assets (ROA) | 1.5215% | 944 |
| Pretax return on assets | 1.9956% | 613 |
| Return on Equity (ROE) | 9.9410% | 2,285 |
| Retained earnings to average equity (ytd only) | -6.4084% | 6,711 |
| Net charge-offs to loans | 0.1014% | 5,300 |
| Credit loss provision to net charge-offs | 160.0000% | 3,228 |
| Earnings coverage of net charge-offs (x) | 64.5556% | 628 |
| Efficiency ratio | 47.6010% | 7,842 |
| Assets per employee ($millions) | 4.9428% | 2,004 |
| Cash dividends to net income (ytd only)* | 164.4643% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 5,056 |
| Loan loss allowance to noncurrent loans | 198.8048% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.1751% | 6,860 |
| Noncurrent loans to loans | 0.5686% | 5,664 |
| Net loans and leases to total assets | 30.4489% | 7,977 |
| Net loans and leases to deposits | 44.3476% | 7,837 |
| Net loans and leases to core deposits | 53.6699% | 7,811 |
| Total domestic deposits to total assets | 68.6596% | 7,412 |
| Equity capital to assets | 14.8079% | 1,213 |
| Core capital (leverage) ratio | 14.6219% | 1,116 |
| Tier 1 risk-based capital ratio | 29.4535% | 672 |
| Total risk-based capital ratio | 30.1522% | 691 |
| Memoranda: | ||
| Average total assets | $147,227,000 | 3,950 |
| Average earning assets | $140,458,800 | 3,839 |
| Average equity | $22,533,000 | 2,903 |
| Average total loans | $44,399,600 | 5,956 |