Home > First Bank of Owasso > Performance and Condition Ratios
First Bank of Owasso, 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 | 7.0277% | 218 |
| Cost of funding earning assets | 1.4802% | 1,988 |
| Net interest margin | 5.5475% | 175 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.0665% | 3,482 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 3.7832% | 109 |
| Return on assets (ROA) | 3.7832% | 111 |
| Pretax return on assets | 3.7832% | 126 |
| Return on Equity (ROE) | 28.9700% | 200 |
| Retained earnings to average equity (ytd only) | 14.3701% | 371 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 35.2071% | 4,450 |
| Assets per employee ($millions) | 7.0599% | 2,031 |
| Cash dividends to net income (ytd only)* | 50.3890% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6077% | 821 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 76.0600% | 1,108 |
| Net loans and leases to deposits | 89.7779% | 1,286 |
| Net loans and leases to core deposits | 89.9370% | 2,052 |
| Total domestic deposits to total assets | 84.7200% | 2,403 |
| Equity capital to assets | 15.0288% | 550 |
| Core capital (leverage) ratio | 15.6265% | 533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1056% | 684 |
| Memoranda: | ||
| Average total assets | $553,744,600 | 1,600 |
| Average earning assets | $533,785,800 | 1,538 |
| Average equity | $72,324,000 | 1,216 |
| Average total loans | $405,708,200 | 1,459 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9455% | 206 |
| Cost of funding earning assets | 1.4915% | 1,634 |
| Net interest margin | 5.4540% | 189 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 2.0133% | 3,561 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 3.7415% | 122 |
| Return on assets (ROA) | 3.7415% | 122 |
| Pretax return on assets | 3.7415% | 140 |
| Return on Equity (ROE) | 29.6900% | 233 |
| Retained earnings to average equity (ytd only) | 14.1701% | 655 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 34.8670% | 4,464 |
| Assets per employee ($millions) | 7.2409% | 1,795 |
| Cash dividends to net income (ytd only)* | 52.2685% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6639% | 765 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 75.1300% | 1,222 |
| Net loans and leases to deposits | 87.4402% | 1,434 |
| Net loans and leases to core deposits | 87.6408% | 2,081 |
| Total domestic deposits to total assets | 85.9300% | 2,219 |
| Equity capital to assets | 13.9227% | 663 |
| Core capital (leverage) ratio | 14.3382% | 745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4559% | 764 |
| Memoranda: | ||
| Average total assets | $561,573,000 | 1,576 |
| Average earning assets | $541,728,500 | 1,520 |
| Average equity | $70,776,250 | 1,232 |
| Average total loans | $406,168,000 | 1,452 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7100% | 213 |
| Cost of funding earning assets | 1.4532% | 1,329 |
| Net interest margin | 5.2568% | 224 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 1.9585% | 3,693 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 3.5954% | 110 |
| Return on assets (ROA) | 3.5954% | 112 |
| Pretax return on assets | 3.5954% | 134 |
| Return on Equity (ROE) | 29.4800% | 224 |
| Retained earnings to average equity (ytd only) | 18.2768% | 327 |
| Net charge-offs to loans | 0.0005% | 2,436 |
| Credit loss provision to net charge-offs | 5,400.0000% | 106 |
| Earnings coverage of net charge-offs (x) | 10,347.0000% | 5 |
| Efficiency ratio | 35.1448% | 4,489 |
| Assets per employee ($millions) | 7.8437% | 1,390 |
| Cash dividends to net income (ytd only)* | 37.9967% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6276% | 885 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 70.3400% | 1,705 |
| Net loans and leases to deposits | 80.7293% | 1,919 |
| Net loans and leases to core deposits | 80.9929% | 2,409 |
| Total domestic deposits to total assets | 87.1300% | 1,887 |
| Equity capital to assets | 12.7554% | 870 |
| Core capital (leverage) ratio | 13.5618% | 861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9755% | 816 |
| Memoranda: | ||
| Average total assets | $572,567,667 | 1,551 |
| Average earning assets | $552,729,333 | 1,489 |
| Average equity | $69,837,000 | 1,238 |
| Average total loans | $406,932,333 | 1,442 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5113% | 177 |
| Cost of funding earning assets | 1.4054% | 1,010 |
| Net interest margin | 5.1059% | 255 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 1.9085% | 3,837 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 3.4669% | 121 |
| Return on assets (ROA) | 3.4669% | 121 |
| Pretax return on assets | 3.4669% | 147 |
| Return on Equity (ROE) | 29.0800% | 252 |
| Retained earnings to average equity (ytd only) | 13.6699% | 982 |
| Net charge-offs to loans | 0.0010% | 2,024 |
| Credit loss provision to net charge-offs | 2,700.0000% | 155 |
| Earnings coverage of net charge-offs (x) | 4,988.0000% | 12 |
| Efficiency ratio | 35.3802% | 4,550 |
| Assets per employee ($millions) | 8.2278% | 1,235 |
| Cash dividends to net income (ytd only)* | 52.9933% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7098% | 798 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 67.6100% | 1,884 |
| Net loans and leases to deposits | 76.6969% | 2,064 |
| Net loans and leases to core deposits | 77.0897% | 2,454 |
| Total domestic deposits to total assets | 88.1500% | 1,875 |
| Equity capital to assets | 11.7876% | 1,063 |
| Core capital (leverage) ratio | 12.6845% | 1,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2208% | 961 |
| Memoranda: | ||
| Average total assets | $572,392,000 | 1,574 |
| Average earning assets | $552,150,000 | 1,512 |
| Average equity | $68,237,500 | 1,271 |
| Average total loans | $405,682,000 | 1,461 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3771% | 922 |
| Cost of funding earning assets | 0.5245% | 1,239 |
| Net interest margin | 3.8526% | 1,060 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 1.7539% | 4,085 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 2.4174% | 160 |
| Return on assets (ROA) | 2.4174% | 155 |
| Pretax return on assets | 2.4174% | 225 |
| Return on Equity (ROE) | 22.4900% | 304 |
| Retained earnings to average equity (ytd only) | 13.5558% | 446 |
| Net charge-offs to loans | -0.0003% | 3,279 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 41.8634% | 4,492 |
| Assets per employee ($millions) | 7.5669% | 1,569 |
| Cash dividends to net income (ytd only)* | 39.7304% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7183% | 783 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 71.8600% | 1,434 |
| Net loans and leases to deposits | 81.7797% | 1,634 |
| Net loans and leases to core deposits | 82.4459% | 1,974 |
| Total domestic deposits to total assets | 87.8700% | 2,115 |
| Equity capital to assets | 12.0650% | 910 |
| Core capital (leverage) ratio | 12.8871% | 969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7691% | 1,017 |
| Memoranda: | ||
| Average total assets | $595,361,200 | 1,497 |
| Average earning assets | $574,262,000 | 1,441 |
| Average equity | $63,987,200 | 1,335 |
| Average total loans | $383,092,400 | 1,444 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9065% | 1,471 |
| Cost of funding earning assets | 0.3870% | 1,385 |
| Net interest margin | 3.5195% | 1,612 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 1.6881% | 4,171 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 2.1663% | 220 |
| Return on assets (ROA) | 2.1663% | 217 |
| Pretax return on assets | 2.1663% | 339 |
| Return on Equity (ROE) | 20.7400% | 382 |
| Retained earnings to average equity (ytd only) | 12.6439% | 671 |
| Net charge-offs to loans | -0.0004% | 3,123 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 43.5924% | 4,473 |
| Assets per employee ($millions) | 8.0417% | 1,302 |
| Cash dividends to net income (ytd only)* | 39.0232% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7550% | 794 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 67.7800% | 1,701 |
| Net loans and leases to deposits | 76.2882% | 1,854 |
| Net loans and leases to core deposits | 76.8428% | 2,125 |
| Total domestic deposits to total assets | 88.8500% | 2,153 |
| Equity capital to assets | 11.1123% | 1,138 |
| Core capital (leverage) ratio | 11.5674% | 1,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4289% | 1,098 |
| Memoranda: | ||
| Average total assets | $606,106,000 | 1,474 |
| Average earning assets | $584,995,250 | 1,425 |
| Average equity | $63,322,750 | 1,362 |
| Average total loans | $377,895,750 | 1,456 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4342% | 2,340 |
| Cost of funding earning assets | 0.3306% | 1,437 |
| Net interest margin | 3.1036% | 2,524 |
| Noninterest income to average assets | 0.4820% | 2,299 |
| Noninterest expense to average assets | 1.6063% | 4,298 |
| Loan and lease loss provision to assets | 0.0175% | 2,289 |
| Net operating income to assets | 1.8513% | 303 |
| Return on assets (ROA) | 1.8513% | 299 |
| Pretax return on assets | 1.8513% | 529 |
| Return on Equity (ROE) | 18.0748% | 464 |
| Retained earnings to average equity (ytd only) | 10.7393% | 835 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2226% | 4,440 |
| Assets per employee ($millions) | 9.2788% | 811 |
| Cash dividends to net income (ytd only)* | 40.5840% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8631% | 721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 58.3357% | 2,496 |
| Net loans and leases to deposits | 64.9725% | 2,645 |
| Net loans and leases to core deposits | 66.2847% | 2,794 |
| Total domestic deposits to total assets | 89.7852% | 1,805 |
| Equity capital to assets | 10.1707% | 1,614 |
| Core capital (leverage) ratio | 10.8346% | 1,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9259% | 1,002 |
| Memoranda: | ||
| Average total assets | $617,820,000 | 1,459 |
| Average earning assets | $595,830,333 | 1,415 |
| Average equity | $63,281,333 | 1,387 |
| Average total loans | $372,557,333 | 1,468 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2805% | 2,444 |
| Cost of funding earning assets | 0.2995% | 1,664 |
| Net interest margin | 2.9810% | 2,565 |
| Noninterest income to average assets | 0.5079% | 2,105 |
| Noninterest expense to average assets | 1.6191% | 4,267 |
| Loan and lease loss provision to assets | 0.0175% | 2,041 |
| Net operating income to assets | 1.7412% | 375 |
| Return on assets (ROA) | 1.7412% | 377 |
| Pretax return on assets | 1.7412% | 632 |
| Return on Equity (ROE) | 16.9395% | 431 |
| Retained earnings to average equity (ytd only) | 7.0829% | 1,867 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9331% | 4,405 |
| Assets per employee ($millions) | 8.9735% | 924 |
| Cash dividends to net income (ytd only)* | 58.1872% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8672% | 786 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 56.5647% | 2,473 |
| Net loans and leases to deposits | 62.7687% | 2,647 |
| Net loans and leases to core deposits | 65.0979% | 2,711 |
| Total domestic deposits to total assets | 90.1161% | 1,493 |
| Equity capital to assets | 9.8657% | 1,996 |
| Core capital (leverage) ratio | 10.2872% | 2,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0050% | 1,042 |
| Memoranda: | ||
| Average total assets | $615,891,000 | 1,468 |
| Average earning assets | $592,951,000 | 1,424 |
| Average equity | $63,307,500 | 1,424 |
| Average total loans | $374,063,500 | 1,448 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9814% | 1,402 |
| Cost of funding earning assets | 0.3617% | 1,841 |
| Net interest margin | 3.6197% | 1,409 |
| Noninterest income to average assets | 0.5536% | 2,345 |
| Noninterest expense to average assets | 1.7118% | 4,279 |
| Loan and lease loss provision to assets | 0.0647% | 1,768 |
| Net operating income to assets | 2.2604% | 219 |
| Return on assets (ROA) | 2.2604% | 228 |
| Pretax return on assets | 2.2604% | 367 |
| Return on Equity (ROE) | 21.0360% | 260 |
| Retained earnings to average equity (ytd only) | 12.8975% | 408 |
| Net charge-offs to loans | -0.0095% | 3,727 |
| Credit loss provision to net charge-offs | -933.3333% | 3,902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4035% | 4,625 |
| Assets per employee ($millions) | 8.4952% | 1,085 |
| Cash dividends to net income (ytd only)* | 38.6884% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7932% | 876 |
| Loan loss allowance to noncurrent loans | 170,750.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 4,208 |
| Noncurrent loans to loans | 0.0011% | 4,127 |
| Net loans and leases to total assets | 62.9021% | 1,839 |
| Net loans and leases to deposits | 70.4991% | 2,076 |
| Net loans and leases to core deposits | 74.9686% | 1,999 |
| Total domestic deposits to total assets | 89.2240% | 1,400 |
| Equity capital to assets | 10.7219% | 2,000 |
| Core capital (leverage) ratio | 10.9389% | 1,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8314% | 1,082 |
| Memoranda: | ||
| Average total assets | $563,976,800 | 1,530 |
| Average earning assets | $542,723,400 | 1,486 |
| Average equity | $60,600,800 | 1,503 |
| Average total loans | $410,386,200 | 1,349 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1601% | 1,166 |
| Cost of funding earning assets | 0.3763% | 1,883 |
| Net interest margin | 3.7838% | 1,150 |
| Noninterest income to average assets | 0.5580% | 2,381 |
| Noninterest expense to average assets | 1.7168% | 4,302 |
| Loan and lease loss provision to assets | 0.0654% | 1,688 |
| Net operating income to assets | 2.4171% | 238 |
| Return on assets (ROA) | 2.4171% | 247 |
| Pretax return on assets | 2.4171% | 382 |
| Return on Equity (ROE) | 22.4813% | 275 |
| Retained earnings to average equity (ytd only) | 13.8989% | 517 |
| Net charge-offs to loans | -0.0124% | 3,765 |
| Credit loss provision to net charge-offs | -697.4359% | 3,752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8824% | 4,699 |
| Assets per employee ($millions) | 7.1798% | 1,750 |
| Cash dividends to net income (ytd only)* | 38.1755% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7225% | 1,066 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 68.6465% | 1,243 |
| Net loans and leases to deposits | 77.3171% | 1,543 |
| Net loans and leases to core deposits | 84.2664% | 1,406 |
| Total domestic deposits to total assets | 88.7857% | 1,407 |
| Equity capital to assets | 11.1451% | 1,919 |
| Core capital (leverage) ratio | 10.7459% | 1,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8202% | 1,172 |
| Memoranda: | ||
| Average total assets | $556,305,000 | 1,566 |
| Average earning assets | $535,362,000 | 1,517 |
| Average equity | $59,811,250 | 1,542 |
| Average total loans | $417,761,250 | 1,354 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4677% | 767 |
| Cost of funding earning assets | 0.3827% | 2,032 |
| Net interest margin | 4.0850% | 714 |
| Noninterest income to average assets | 0.5235% | 2,513 |
| Noninterest expense to average assets | 1.6921% | 4,369 |
| Loan and lease loss provision to assets | 0.0652% | 1,740 |
| Net operating income to assets | 2.7006% | 171 |
| Return on assets (ROA) | 2.7006% | 176 |
| Pretax return on assets | 2.7006% | 258 |
| Return on Equity (ROE) | 25.4312% | 176 |
| Retained earnings to average equity (ytd only) | 17.5321% | 244 |
| Net charge-offs to loans | -0.0183% | 3,954 |
| Credit loss provision to net charge-offs | -461.5385% | 3,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.9567% | 4,803 |
| Assets per employee ($millions) | 8.1475% | 1,141 |
| Cash dividends to net income (ytd only)* | 31.0607% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5725% | 1,349 |
| Loan loss allowance to noncurrent loans | 2,260.5442% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 3,912 |
| Noncurrent loans to loans | 0.0696% | 3,841 |
| Net loans and leases to total assets | 71.9132% | 979 |
| Net loans and leases to deposits | 80.4802% | 1,386 |
| Net loans and leases to core deposits | 88.8769% | 1,212 |
| Total domestic deposits to total assets | 89.3551% | 1,107 |
| Equity capital to assets | 10.6117% | 2,298 |
| Core capital (leverage) ratio | 10.4277% | 2,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7424% | 1,403 |
| Memoranda: | ||
| Average total assets | $555,065,333 | 1,562 |
| Average earning assets | $534,595,667 | 1,517 |
| Average equity | $58,943,333 | 1,549 |
| Average total loans | $426,623,333 | 1,335 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0463% | 329 |
| Cost of funding earning assets | 0.4021% | 2,079 |
| Net interest margin | 4.6442% | 290 |
| Noninterest income to average assets | 0.5249% | 2,503 |
| Noninterest expense to average assets | 1.7049% | 4,367 |
| Loan and lease loss provision to assets | 0.0663% | 1,820 |
| Net operating income to assets | 3.2178% | 128 |
| Return on assets (ROA) | 3.2178% | 140 |
| Pretax return on assets | 3.2178% | 185 |
| Return on Equity (ROE) | 30.2900% | 137 |
| Retained earnings to average equity (ytd only) | 19.4311% | 292 |
| Net charge-offs to loans | -0.0243% | 4,086 |
| Credit loss provision to net charge-offs | -342.3077% | 3,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.1744% | 4,870 |
| Assets per employee ($millions) | 8.1006% | 1,153 |
| Cash dividends to net income (ytd only)* | 35.8499% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4789% | 1,679 |
| Loan loss allowance to noncurrent loans | 21,806.6667% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 4,364 |
| Noncurrent loans to loans | 0.0068% | 4,291 |
| Net loans and leases to total assets | 75.7771% | 647 |
| Net loans and leases to deposits | 84.5111% | 1,095 |
| Net loans and leases to core deposits | 93.3472% | 1,022 |
| Total domestic deposits to total assets | 89.6652% | 986 |
| Equity capital to assets | 10.2755% | 2,452 |
| Core capital (leverage) ratio | 10.5063% | 2,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8326% | 1,626 |
| Memoranda: | ||
| Average total assets | $543,361,000 | 1,577 |
| Average earning assets | $522,285,500 | 1,532 |
| Average equity | $57,722,000 | 1,565 |
| Average total loans | $428,612,500 | 1,339 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0147% | 473 |
| Cost of funding earning assets | 0.6758% | 1,845 |
| Net interest margin | 4.3389% | 470 |
| Noninterest income to average assets | 0.5514% | 2,416 |
| Noninterest expense to average assets | 1.8665% | 4,370 |
| Loan and lease loss provision to assets | 0.1248% | 2,801 |
| Net operating income to assets | 2.7126% | 115 |
| Return on assets (ROA) | 2.7126% | 120 |
| Pretax return on assets | 2.7126% | 148 |
| Return on Equity (ROE) | 25.1215% | 108 |
| Retained earnings to average equity (ytd only) | 14.9358% | 158 |
| Net charge-offs to loans | 0.0082% | 3,038 |
| Credit loss provision to net charge-offs | 1,785.2941% | 481 |
| Earnings coverage of net charge-offs (x) | 405.7941% | 274 |
| Efficiency ratio | 39.6800% | 4,878 |
| Assets per employee ($millions) | 7.4142% | 1,334 |
| Cash dividends to net income (ytd only)* | 40.5459% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5490% | 1,433 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 79.8372% | 440 |
| Net loans and leases to deposits | 89.8128% | 939 |
| Net loans and leases to core deposits | 103.3668% | 754 |
| Total domestic deposits to total assets | 88.8930% | 1,033 |
| Equity capital to assets | 11.0140% | 2,243 |
| Core capital (leverage) ratio | 10.6884% | 2,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4864% | 1,682 |
| Memoranda: | ||
| Average total assets | $486,255,200 | 1,590 |
| Average earning assets | $465,369,800 | 1,553 |
| Average equity | $52,504,800 | 1,613 |
| Average total loans | $414,965,400 | 1,312 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2829% | 352 |
| Cost of funding earning assets | 0.7398% | 1,804 |
| Net interest margin | 4.5431% | 346 |
| Noninterest income to average assets | 0.5401% | 2,425 |
| Noninterest expense to average assets | 1.8822% | 4,361 |
| Loan and lease loss provision to assets | 0.1350% | 2,666 |
| Net operating income to assets | 2.8718% | 102 |
| Return on assets (ROA) | 2.8718% | 106 |
| Pretax return on assets | 2.8718% | 133 |
| Return on Equity (ROE) | 26.7386% | 95 |
| Retained earnings to average equity (ytd only) | 16.8005% | 130 |
| Net charge-offs to loans | 0.0109% | 2,714 |
| Credit loss provision to net charge-offs | 1,429.4118% | 638 |
| Earnings coverage of net charge-offs (x) | 318.3235% | 339 |
| Efficiency ratio | 38.4987% | 4,926 |
| Assets per employee ($millions) | 7.5724% | 1,174 |
| Cash dividends to net income (ytd only)* | 37.1675% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4018% | 1,732 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 83.6651% | 306 |
| Net loans and leases to deposits | 93.4386% | 967 |
| Net loans and leases to core deposits | 110.5803% | 679 |
| Total domestic deposits to total assets | 89.5402% | 574 |
| Equity capital to assets | 10.3838% | 2,885 |
| Core capital (leverage) ratio | 10.0960% | 2,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2228% | 1,758 |
| Memoranda: | ||
| Average total assets | $479,924,750 | 1,586 |
| Average earning assets | $459,407,000 | 1,544 |
| Average equity | $51,544,750 | 1,635 |
| Average total loans | $414,993,000 | 1,305 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7697% | 199 |
| Cost of funding earning assets | 0.8217% | 1,721 |
| Net interest margin | 4.9481% | 224 |
| Noninterest income to average assets | 0.5341% | 2,418 |
| Noninterest expense to average assets | 1.9563% | 4,318 |
| Loan and lease loss provision to assets | 0.1572% | 2,424 |
| Net operating income to assets | 3.1528% | 75 |
| Return on assets (ROA) | 3.1528% | 78 |
| Pretax return on assets | 3.1528% | 102 |
| Return on Equity (ROE) | 28.9881% | 69 |
| Retained earnings to average equity (ytd only) | 19.7780% | 93 |
| Net charge-offs to loans | 0.0169% | 2,392 |
| Credit loss provision to net charge-offs | 1,070.5882% | 758 |
| Earnings coverage of net charge-offs (x) | 225.4706% | 403 |
| Efficiency ratio | 37.1485% | 4,968 |
| Assets per employee ($millions) | 7.9179% | 1,002 |
| Cash dividends to net income (ytd only)* | 31.7721% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3769% | 1,667 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 82.3060% | 394 |
| Net loans and leases to deposits | 91.4530% | 1,221 |
| Net loans and leases to core deposits | 111.9206% | 666 |
| Total domestic deposits to total assets | 89.9981% | 401 |
| Equity capital to assets | 9.9426% | 3,260 |
| Core capital (leverage) ratio | 10.5479% | 2,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7153% | 1,920 |
| Memoranda: | ||
| Average total assets | $463,210,667 | 1,619 |
| Average earning assets | $443,002,667 | 1,566 |
| Average equity | $50,379,333 | 1,662 |
| Average total loans | $403,395,333 | 1,313 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1857% | 678 |
| Cost of funding earning assets | 1.0448% | 1,240 |
| Net interest margin | 4.1408% | 1,054 |
| Noninterest income to average assets | 0.5761% | 2,147 |
| Noninterest expense to average assets | 2.1090% | 4,205 |
| Loan and lease loss provision to assets | 0.1711% | 1,720 |
| Net operating income to assets | 2.2443% | 167 |
| Return on assets (ROA) | 2.2443% | 185 |
| Pretax return on assets | 2.2443% | 268 |
| Return on Equity (ROE) | 19.5728% | 184 |
| Retained earnings to average equity (ytd only) | 6.9013% | 1,575 |
| Net charge-offs to loans | 0.0357% | 1,697 |
| Credit loss provision to net charge-offs | 535.2941% | 847 |
| Earnings coverage of net charge-offs (x) | 75.5882% | 695 |
| Efficiency ratio | 46.6140% | 4,813 |
| Assets per employee ($millions) | 6.5108% | 1,337 |
| Cash dividends to net income (ytd only)* | 64.7404% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5410% | 1,218 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 86.6015% | 115 |
| Net loans and leases to deposits | 97.8252% | 736 |
| Net loans and leases to core deposits | 133.4404% | 228 |
| Total domestic deposits to total assets | 88.5268% | 870 |
| Equity capital to assets | 11.1414% | 2,737 |
| Core capital (leverage) ratio | 11.2528% | 2,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7044% | 2,393 |
| Memoranda: | ||
| Average total assets | $425,606,000 | 1,690 |
| Average earning assets | $405,810,500 | 1,650 |
| Average equity | $48,802,500 | 1,697 |
| Average total loans | $380,423,500 | 1,353 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5305% | 532 |
| Cost of funding earning assets | 1.4505% | 462 |
| Net interest margin | 4.0799% | 1,593 |
| Noninterest income to average assets | 0.5529% | 2,457 |
| Noninterest expense to average assets | 1.9934% | 4,543 |
| Loan and lease loss provision to assets | 0.1741% | 1,200 |
| Net operating income to assets | 2.2472% | 203 |
| Return on assets (ROA) | 2.2472% | 217 |
| Pretax return on assets | 2.2472% | 348 |
| Return on Equity (ROE) | 20.7110% | 176 |
| Retained earnings to average equity (ytd only) | 11.1173% | 316 |
| Net charge-offs to loans | 0.0456% | 2,469 |
| Credit loss provision to net charge-offs | 437.1257% | 656 |
| Earnings coverage of net charge-offs (x) | 60.7844% | 969 |
| Efficiency ratio | 45.1534% | 4,941 |
| Assets per employee ($millions) | 6.0070% | 1,630 |
| Cash dividends to net income (ytd only)* | 46.3220% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5758% | 1,034 |
| Loan loss allowance to noncurrent loans | 29,265.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 4,661 |
| Noncurrent loans to loans | 0.0054% | 4,581 |
| Net loans and leases to total assets | 89.4978% | 52 |
| Net loans and leases to deposits | 101.8082% | 484 |
| Net loans and leases to core deposits | 145.4074% | 144 |
| Total domestic deposits to total assets | 87.9082% | 1,171 |
| Equity capital to assets | 11.8191% | 2,262 |
| Core capital (leverage) ratio | 11.3376% | 2,223 |
| Tier 1 risk-based capital ratio | 12.8348% | 3,879 |
| Total risk-based capital ratio | 14.0888% | 3,763 |
| Memoranda: | ||
| Average total assets | $419,235,400 | 1,673 |
| Average earning assets | $396,820,800 | 1,644 |
| Average equity | $45,487,800 | 1,746 |
| Average total loans | $366,221,000 | 1,366 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5618% | 527 |
| Cost of funding earning assets | 1.5037% | 404 |
| Net interest margin | 4.0581% | 1,734 |
| Noninterest income to average assets | 0.5318% | 2,552 |
| Noninterest expense to average assets | 1.9497% | 4,645 |
| Loan and lease loss provision to assets | 0.1729% | 1,065 |
| Net operating income to assets | 2.2468% | 249 |
| Return on assets (ROA) | 2.2468% | 261 |
| Pretax return on assets | 2.2468% | 413 |
| Return on Equity (ROE) | 21.1648% | 194 |
| Retained earnings to average equity (ytd only) | 10.3204% | 677 |
| Net charge-offs to loans | 0.0541% | 2,063 |
| Credit loss provision to net charge-offs | 369.5946% | 816 |
| Earnings coverage of net charge-offs (x) | 51.7361% | 1,166 |
| Efficiency ratio | 44.6228% | 4,986 |
| Assets per employee ($millions) | 6.4501% | 1,299 |
| Cash dividends to net income (ytd only)* | 51.2377% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5019% | 1,244 |
| Loan loss allowance to noncurrent loans | 9,174.1935% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 4,683 |
| Noncurrent loans to loans | 0.0164% | 4,602 |
| Net loans and leases to total assets | 86.3205% | 172 |
| Net loans and leases to deposits | 98.4088% | 775 |
| Net loans and leases to core deposits | 142.0387% | 166 |
| Total domestic deposits to total assets | 87.7163% | 1,158 |
| Equity capital to assets | 10.8007% | 3,294 |
| Core capital (leverage) ratio | 10.8749% | 2,765 |
| Tier 1 risk-based capital ratio | 12.1057% | 4,363 |
| Total risk-based capital ratio | 13.3584% | 4,258 |
| Memoranda: | ||
| Average total assets | $421,925,500 | 1,673 |
| Average earning assets | $398,996,500 | 1,635 |
| Average equity | $44,790,250 | 1,766 |
| Average total loans | $364,919,000 | 1,381 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5401% | 528 |
| Cost of funding earning assets | 1.5244% | 349 |
| Net interest margin | 4.0157% | 1,874 |
| Noninterest income to average assets | 0.5300% | 2,505 |
| Noninterest expense to average assets | 1.9469% | 4,685 |
| Loan and lease loss provision to assets | 0.1730% | 1,047 |
| Net operating income to assets | 2.2145% | 258 |
| Return on assets (ROA) | 2.2145% | 268 |
| Pretax return on assets | 2.2145% | 430 |
| Return on Equity (ROE) | 20.9865% | 205 |
| Retained earnings to average equity (ytd only) | 11.0186% | 541 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9173% | 5,030 |
| Assets per employee ($millions) | 6.6125% | 1,183 |
| Cash dividends to net income (ytd only)* | 47.4968% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5347% | 1,173 |
| Loan loss allowance to noncurrent loans | 2,569.0909% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 4,507 |
| Noncurrent loans to loans | 0.0597% | 4,415 |
| Net loans and leases to total assets | 84.3696% | 330 |
| Net loans and leases to deposits | 94.7094% | 1,181 |
| Net loans and leases to core deposits | 130.4341% | 321 |
| Total domestic deposits to total assets | 89.0825% | 633 |
| Equity capital to assets | 10.6157% | 3,421 |
| Core capital (leverage) ratio | 10.4447% | 3,147 |
| Tier 1 risk-based capital ratio | 12.1716% | 4,315 |
| Total risk-based capital ratio | 13.4247% | 4,198 |
| Memoranda: | ||
| Average total assets | $418,514,330 | 1,690 |
| Average earning assets | $396,493,000 | 1,644 |
| Average equity | $44,161,670 | 1,785 |
| Average total loans | $360,315,330 | 1,397 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4904% | 530 |
| Cost of funding earning assets | 1.4564% | 377 |
| Net interest margin | 4.0340% | 1,737 |
| Noninterest income to average assets | 0.5203% | 2,435 |
| Noninterest expense to average assets | 1.9173% | 4,770 |
| Loan and lease loss provision to assets | 0.1744% | 962 |
| Net operating income to assets | 2.2526% | 245 |
| Return on assets (ROA) | 2.2526% | 255 |
| Pretax return on assets | 2.2526% | 395 |
| Return on Equity (ROE) | 21.4145% | 196 |
| Retained earnings to average equity (ytd only) | 7.7829% | 1,744 |
| Net charge-offs to loans | -0.0011% | 3,812 |
| Credit loss provision to net charge-offs | -18,000.0000% | 4,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1347% | 5,095 |
| Assets per employee ($millions) | 6.6478% | 1,172 |
| Cash dividends to net income (ytd only)* | 63.6559% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5200% | 1,274 |
| Loan loss allowance to noncurrent loans | 27,355.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 4,860 |
| Noncurrent loans to loans | 0.0056% | 4,779 |
| Net loans and leases to total assets | 82.0288% | 583 |
| Net loans and leases to deposits | 91.6283% | 1,442 |
| Net loans and leases to core deposits | 126.1438% | 380 |
| Total domestic deposits to total assets | 89.5235% | 629 |
| Equity capital to assets | 10.1666% | 3,663 |
| Core capital (leverage) ratio | 10.3239% | 3,251 |
| Tier 1 risk-based capital ratio | 12.0339% | 4,438 |
| Total risk-based capital ratio | 13.2870% | 4,333 |
| Memoranda: | ||
| Average total assets | $412,864,000 | 1,724 |
| Average earning assets | $391,372,500 | 1,671 |
| Average equity | $43,428,500 | 1,802 |
| Average total loans | $356,330,500 | 1,417 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3206% | 559 |
| Cost of funding earning assets | 1.0881% | 519 |
| Net interest margin | 4.2326% | 1,318 |
| Noninterest income to average assets | 0.6053% | 2,263 |
| Noninterest expense to average assets | 2.1189% | 4,519 |
| Loan and lease loss provision to assets | 0.1961% | 968 |
| Net operating income to assets | 2.2804% | 223 |
| Return on assets (ROA) | 2.2804% | 213 |
| Pretax return on assets | 2.2804% | 303 |
| Return on Equity (ROE) | 20.9958% | 198 |
| Retained earnings to average equity (ytd only) | 10.9877% | 441 |
| Net charge-offs to loans | -0.0003% | 4,151 |
| Credit loss provision to net charge-offs | -73,000.0000% | 5,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1093% | 5,116 |
| Assets per employee ($millions) | 6.0557% | 1,483 |
| Cash dividends to net income (ytd only)* | 47.6673% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4997% | 1,294 |
| 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 | 88.2696% | 106 |
| Net loans and leases to deposits | 99.3998% | 786 |
| Net loans and leases to core deposits | 146.4768% | 155 |
| Total domestic deposits to total assets | 88.8026% | 943 |
| Equity capital to assets | 10.9055% | 2,788 |
| Core capital (leverage) ratio | 11.1012% | 2,435 |
| Tier 1 risk-based capital ratio | 11.8425% | 4,541 |
| Total risk-based capital ratio | 13.0951% | 4,414 |
| Memoranda: | ||
| Average total assets | $372,214,800 | 1,820 |
| Average earning assets | $350,897,200 | 1,804 |
| Average equity | $40,427,200 | 1,843 |
| Average total loans | $333,532,800 | 1,468 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2333% | 587 |
| Cost of funding earning assets | 1.0056% | 583 |
| Net interest margin | 4.2276% | 1,292 |
| Noninterest income to average assets | 0.6000% | 2,308 |
| Noninterest expense to average assets | 2.1432% | 4,448 |
| Loan and lease loss provision to assets | 0.1984% | 882 |
| Net operating income to assets | 2.2416% | 253 |
| Return on assets (ROA) | 2.2416% | 250 |
| Pretax return on assets | 2.2416% | 373 |
| Return on Equity (ROE) | 20.6615% | 233 |
| Retained earnings to average equity (ytd only) | 9.2555% | 1,132 |
| Net charge-offs to loans | -0.0004% | 3,987 |
| Credit loss provision to net charge-offs | -54,600.0000% | 4,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7608% | 5,114 |
| Assets per employee ($millions) | 5.9642% | 1,515 |
| Cash dividends to net income (ytd only)* | 55.2044% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5007% | 1,341 |
| Loan loss allowance to noncurrent loans | 26,873.6842% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 5,006 |
| Noncurrent loans to loans | 0.0056% | 4,913 |
| Net loans and leases to total assets | 87.7995% | 148 |
| Net loans and leases to deposits | 98.5662% | 902 |
| Net loans and leases to core deposits | 149.1745% | 139 |
| Total domestic deposits to total assets | 89.0767% | 824 |
| Equity capital to assets | 10.7740% | 2,875 |
| Core capital (leverage) ratio | 10.7396% | 2,850 |
| Tier 1 risk-based capital ratio | 11.6716% | 4,693 |
| Total risk-based capital ratio | 12.9241% | 4,579 |
| Memoranda: | ||
| Average total assets | $366,863,750 | 1,850 |
| Average earning assets | $345,652,750 | 1,833 |
| Average equity | $39,802,500 | 1,868 |
| Average total loans | $328,732,000 | 1,482 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1646% | 592 |
| Cost of funding earning assets | 0.8681% | 836 |
| Net interest margin | 4.2965% | 1,038 |
| Noninterest income to average assets | 0.5885% | 2,391 |
| Noninterest expense to average assets | 2.1502% | 4,487 |
| Loan and lease loss provision to assets | 0.2000% | 857 |
| Net operating income to assets | 2.2806% | 217 |
| Return on assets (ROA) | 2.2806% | 213 |
| Pretax return on assets | 2.2806% | 342 |
| Return on Equity (ROE) | 20.9696% | 207 |
| Retained earnings to average equity (ytd only) | 10.1825% | 876 |
| Net charge-offs to loans | -0.0006% | 3,868 |
| Credit loss provision to net charge-offs | -36,200.0000% | 4,853 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4320% | 5,193 |
| Assets per employee ($millions) | 5.9238% | 1,520 |
| Cash dividends to net income (ytd only)* | 51.4417% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4509% | 1,554 |
| 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 | 86.8268% | 209 |
| Net loans and leases to deposits | 97.2183% | 1,020 |
| Net loans and leases to core deposits | 145.8372% | 151 |
| Total domestic deposits to total assets | 89.3111% | 811 |
| Equity capital to assets | 10.5037% | 3,114 |
| Core capital (leverage) ratio | 10.8870% | 2,625 |
| Tier 1 risk-based capital ratio | 11.3133% | 4,890 |
| Total risk-based capital ratio | 12.5647% | 4,785 |
| Memoranda: | ||
| Average total assets | $361,916,000 | 1,879 |
| Average earning assets | $340,511,670 | 1,863 |
| Average equity | $39,361,670 | 1,892 |
| Average total loans | $324,895,000 | 1,501 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1730% | 517 |
| Cost of funding earning assets | 0.7050% | 1,415 |
| Net interest margin | 4.4680% | 658 |
| Noninterest income to average assets | 0.5937% | 2,292 |
| Noninterest expense to average assets | 2.2503% | 4,291 |
| Loan and lease loss provision to assets | 0.2055% | 799 |
| Net operating income to assets | 2.3348% | 195 |
| Return on assets (ROA) | 2.3348% | 196 |
| Pretax return on assets | 2.3348% | 302 |
| Return on Equity (ROE) | 21.0713% | 192 |
| Retained earnings to average equity (ytd only) | 5.8011% | 2,812 |
| Net charge-offs to loans | -0.0013% | 3,772 |
| Credit loss provision to net charge-offs | -18,000.0000% | 4,539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9733% | 5,234 |
| Assets per employee ($millions) | 5.4830% | 1,953 |
| Cash dividends to net income (ytd only)* | 72.4694% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4445% | 1,680 |
| Loan loss allowance to noncurrent loans | 23,700.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 5,109 |
| Noncurrent loans to loans | 0.0061% | 4,994 |
| Net loans and leases to total assets | 89.3685% | 79 |
| Net loans and leases to deposits | 102.6259% | 552 |
| Net loans and leases to core deposits | 137.2080% | 244 |
| Total domestic deposits to total assets | 87.0819% | 2,090 |
| Equity capital to assets | 10.7879% | 2,783 |
| Core capital (leverage) ratio | 11.2039% | 2,244 |
| Tier 1 risk-based capital ratio | 11.2454% | 5,009 |
| Total risk-based capital ratio | 12.4966% | 4,899 |
| Memoranda: | ||
| Average total assets | $350,351,000 | 1,953 |
| Average earning assets | $329,094,500 | 1,928 |
| Average equity | $38,820,500 | 1,923 |
| Average total loans | $317,720,000 | 1,534 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1008% | 531 |
| Cost of funding earning assets | 0.3875% | 3,358 |
| Net interest margin | 4.7133% | 413 |
| Noninterest income to average assets | 0.6923% | 1,999 |
| Noninterest expense to average assets | 2.3608% | 4,176 |
| Loan and lease loss provision to assets | 0.1610% | 1,392 |
| Net operating income to assets | 2.5607% | 111 |
| Return on assets (ROA) | 2.5607% | 109 |
| Pretax return on assets | 2.5607% | 162 |
| Return on Equity (ROE) | 21.5144% | 144 |
| Retained earnings to average equity (ytd only) | 7.9109% | 798 |
| Net charge-offs to loans | -0.0004% | 4,471 |
| Credit loss provision to net charge-offs | -50,200.0000% | 5,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4495% | 5,384 |
| Assets per employee ($millions) | 5.1337% | 2,329 |
| Cash dividends to net income (ytd only)* | 63.2298% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4836% | 1,464 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 89.3490% | 94 |
| Net loans and leases to deposits | 111.9392% | 217 |
| Net loans and leases to core deposits | 131.8532% | 302 |
| Total domestic deposits to total assets | 79.8193% | 4,371 |
| Equity capital to assets | 11.3930% | 2,290 |
| Core capital (leverage) ratio | 11.6370% | 1,841 |
| Tier 1 risk-based capital ratio | 11.6920% | 4,727 |
| Total risk-based capital ratio | 12.9431% | 4,611 |
| Memoranda: | ||
| Average total assets | $311,716,400 | 2,106 |
| Average earning assets | $290,348,400 | 2,096 |
| Average equity | $37,100,800 | 1,973 |
| Average total loans | $274,588,800 | 1,690 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0103% | 597 |
| Cost of funding earning assets | 0.2937% | 4,190 |
| Net interest margin | 4.7166% | 395 |
| Noninterest income to average assets | 0.7026% | 1,987 |
| Noninterest expense to average assets | 2.3947% | 4,030 |
| Loan and lease loss provision to assets | 0.1390% | 1,534 |
| Net operating income to assets | 2.5569% | 126 |
| Return on assets (ROA) | 2.5569% | 127 |
| Pretax return on assets | 2.5569% | 193 |
| Return on Equity (ROE) | 21.2309% | 162 |
| Retained earnings to average equity (ytd only) | 6.9777% | 1,700 |
| Net charge-offs to loans | -0.0010% | 4,269 |
| Credit loss provision to net charge-offs | -15,900.0000% | 5,236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0411% | 5,385 |
| Assets per employee ($millions) | 5.1907% | 2,234 |
| Cash dividends to net income (ytd only)* | 67.1341% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4598% | 1,677 |
| 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 | 88.8987% | 119 |
| Net loans and leases to deposits | 111.8770% | 219 |
| Net loans and leases to core deposits | 147.4502% | 136 |
| Total domestic deposits to total assets | 79.4611% | 4,444 |
| Equity capital to assets | 11.3575% | 2,514 |
| Core capital (leverage) ratio | 11.8059% | 1,815 |
| Tier 1 risk-based capital ratio | 11.6853% | 4,836 |
| Total risk-based capital ratio | 12.9365% | 4,724 |
| Memoranda: | ||
| Average total assets | $304,939,750 | 2,157 |
| Average earning assets | $283,699,250 | 2,151 |
| Average equity | $36,725,500 | 1,999 |
| Average total loans | $266,412,500 | 1,738 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9500% | 616 |
| Cost of funding earning assets | 0.1965% | 5,019 |
| Net interest margin | 4.7536% | 352 |
| Noninterest income to average assets | 0.7348% | 1,839 |
| Noninterest expense to average assets | 2.4641% | 3,873 |
| Loan and lease loss provision to assets | 0.1224% | 1,693 |
| Net operating income to assets | 2.5648% | 123 |
| Return on assets (ROA) | 2.5648% | 121 |
| Pretax return on assets | 2.5648% | 192 |
| Return on Equity (ROE) | 20.8515% | 184 |
| Retained earnings to average equity (ytd only) | 8.9638% | 852 |
| Net charge-offs to loans | -0.0016% | 4,163 |
| Credit loss provision to net charge-offs | -9,050.0000% | 5,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8346% | 5,396 |
| Assets per employee ($millions) | 4.9755% | 2,418 |
| Cash dividends to net income (ytd only)* | 57.0111% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5496% | 1,399 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 85.8953% | 281 |
| Net loans and leases to deposits | 109.0450% | 285 |
| Net loans and leases to core deposits | 116.8011% | 690 |
| Total domestic deposits to total assets | 78.7705% | 4,671 |
| Equity capital to assets | 11.9478% | 1,966 |
| Core capital (leverage) ratio | 12.4007% | 1,417 |
| Tier 1 risk-based capital ratio | 12.1810% | 4,506 |
| Total risk-based capital ratio | 13.4325% | 4,386 |
| Memoranda: | ||
| Average total assets | $295,851,670 | 2,214 |
| Average earning assets | $274,867,000 | 2,201 |
| Average equity | $36,390,670 | 2,011 |
| Average total loans | $255,316,670 | 1,792 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9106% | 615 |
| Cost of funding earning assets | 0.1712% | 5,228 |
| Net interest margin | 4.7394% | 354 |
| Noninterest income to average assets | 0.7344% | 1,805 |
| Noninterest expense to average assets | 2.5417% | 3,686 |
| Loan and lease loss provision to assets | 0.1254% | 1,532 |
| Net operating income to assets | 2.4651% | 144 |
| Return on assets (ROA) | 2.4651% | 143 |
| Pretax return on assets | 2.4651% | 228 |
| Return on Equity (ROE) | 19.7320% | 246 |
| Retained earnings to average equity (ytd only) | 3.6475% | 3,615 |
| Net charge-offs to loans | -0.0016% | 3,988 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5248% | 5,399 |
| Assets per employee ($millions) | 4.5749% | 3,052 |
| Cash dividends to net income (ytd only)* | 81.5150% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6384% | 1,281 |
| 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 | 85.0126% | 286 |
| Net loans and leases to deposits | 97.0232% | 850 |
| Net loans and leases to core deposits | 97.2255% | 1,730 |
| Total domestic deposits to total assets | 87.6209% | 1,930 |
| Equity capital to assets | 12.3097% | 1,655 |
| Core capital (leverage) ratio | 12.4388% | 1,367 |
| Tier 1 risk-based capital ratio | 12.6360% | 4,306 |
| Total risk-based capital ratio | 13.8883% | 4,209 |
| Memoranda: | ||
| Average total assets | $287,049,500 | 2,277 |
| Average earning assets | $266,361,000 | 2,271 |
| Average equity | $35,860,500 | 2,039 |
| Average total loans | $246,234,000 | 1,856 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8152% | 865 |
| Cost of funding earning assets | 0.1259% | 5,583 |
| Net interest margin | 4.6893% | 431 |
| Noninterest income to average assets | 0.8186% | 1,687 |
| Noninterest expense to average assets | 2.4988% | 4,018 |
| Loan and lease loss provision to assets | 0.1361% | 1,837 |
| Net operating income to assets | 2.5051% | 145 |
| Return on assets (ROA) | 2.5051% | 146 |
| Pretax return on assets | 2.5051% | 200 |
| Return on Equity (ROE) | 19.3948% | 242 |
| Retained earnings to average equity (ytd only) | 6.7087% | 1,349 |
| Net charge-offs to loans | -0.0123% | 4,996 |
| Credit loss provision to net charge-offs | -1,355.5556% | 5,339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6144% | 5,547 |
| Assets per employee ($millions) | 4.3954% | 3,283 |
| Cash dividends to net income (ytd only)* | 65.4097% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6937% | 1,151 |
| Loan loss allowance to noncurrent loans | 11,585.7143% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 5,354 |
| Noncurrent loans to loans | 0.0146% | 5,217 |
| Net loans and leases to total assets | 83.6655% | 416 |
| Net loans and leases to deposits | 102.0231% | 533 |
| Net loans and leases to core deposits | 102.2589% | 1,432 |
| Total domestic deposits to total assets | 82.0064% | 4,076 |
| Equity capital to assets | 12.6833% | 1,407 |
| Core capital (leverage) ratio | 13.2704% | 1,038 |
| Tier 1 risk-based capital ratio | 12.9345% | 4,112 |
| Total risk-based capital ratio | 14.1872% | 4,013 |
| Memoranda: | ||
| Average total assets | $268,886,800 | 2,371 |
| Average earning assets | $247,798,000 | 2,377 |
| Average equity | $34,731,000 | 2,092 |
| Average total loans | $218,927,600 | 1,978 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7830% | 934 |
| Cost of funding earning assets | 0.1248% | 5,653 |
| Net interest margin | 4.6582% | 461 |
| Noninterest income to average assets | 0.8388% | 1,613 |
| Noninterest expense to average assets | 2.4942% | 4,002 |
| Loan and lease loss provision to assets | 0.1375% | 1,710 |
| Net operating income to assets | 2.4957% | 157 |
| Return on assets (ROA) | 2.4957% | 161 |
| Pretax return on assets | 2.4957% | 217 |
| Return on Equity (ROE) | 19.2299% | 278 |
| Retained earnings to average equity (ytd only) | 5.9139% | 2,228 |
| Net charge-offs to loans | -0.0181% | 4,976 |
| Credit loss provision to net charge-offs | -944.8276% | 5,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6449% | 5,571 |
| Assets per employee ($millions) | 4.4016% | 3,249 |
| Cash dividends to net income (ytd only)* | 69.2462% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7949% | 1,024 |
| Loan loss allowance to noncurrent loans | 11,328.5714% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 5,469 |
| Noncurrent loans to loans | 0.0158% | 5,332 |
| Net loans and leases to total assets | 82.1458% | 595 |
| Net loans and leases to deposits | 94.9451% | 1,155 |
| Net loans and leases to core deposits | 95.1663% | 2,082 |
| Total domestic deposits to total assets | 86.5192% | 2,116 |
| Equity capital to assets | 13.3812% | 1,299 |
| Core capital (leverage) ratio | 13.1418% | 1,136 |
| Tier 1 risk-based capital ratio | 13.9461% | 3,590 |
| Total risk-based capital ratio | 15.2004% | 3,509 |
| Memoranda: | ||
| Average total assets | $265,782,000 | 2,398 |
| Average earning assets | $244,694,500 | 2,413 |
| Average equity | $34,494,000 | 2,117 |
| Average total loans | $213,806,750 | 2,021 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7520% | 954 |
| Cost of funding earning assets | 0.1239% | 5,732 |
| Net interest margin | 4.6280% | 483 |
| Noninterest income to average assets | 0.8493% | 1,549 |
| Noninterest expense to average assets | 2.4968% | 4,039 |
| Loan and lease loss provision to assets | 0.1367% | 1,658 |
| Net operating income to assets | 2.4780% | 161 |
| Return on assets (ROA) | 2.4780% | 161 |
| Pretax return on assets | 2.4780% | 228 |
| Return on Equity (ROE) | 19.2913% | 279 |
| Retained earnings to average equity (ytd only) | 8.0497% | 1,155 |
| Net charge-offs to loans | -0.0265% | 5,071 |
| Credit loss provision to net charge-offs | -650.0000% | 5,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8468% | 5,632 |
| Assets per employee ($millions) | 4.3452% | 3,304 |
| Cash dividends to net income (ytd only)* | 58.2727% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7938% | 1,085 |
| Loan loss allowance to noncurrent loans | 11,062.8571% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 5,506 |
| Noncurrent loans to loans | 0.0162% | 5,419 |
| Net loans and leases to total assets | 79.9756% | 908 |
| Net loans and leases to deposits | 92.3874% | 1,464 |
| Net loans and leases to core deposits | 92.6009% | 2,299 |
| Total domestic deposits to total assets | 86.5655% | 2,129 |
| Equity capital to assets | 13.2851% | 1,336 |
| Core capital (leverage) ratio | 12.5061% | 1,352 |
| Tier 1 risk-based capital ratio | 13.8281% | 3,707 |
| Total risk-based capital ratio | 15.0819% | 3,626 |
| Memoranda: | ||
| Average total assets | $266,344,670 | 2,417 |
| Average earning assets | $245,287,670 | 2,420 |
| Average equity | $34,212,330 | 2,137 |
| Average total loans | $211,440,000 | 2,041 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7155% | 1,014 |
| Cost of funding earning assets | 0.1217% | 5,806 |
| Net interest margin | 4.5938% | 508 |
| Noninterest income to average assets | 0.9364% | 1,221 |
| Noninterest expense to average assets | 2.4600% | 4,197 |
| Loan and lease loss provision to assets | 0.1363% | 1,538 |
| Net operating income to assets | 2.5799% | 142 |
| Return on assets (ROA) | 2.5799% | 147 |
| Pretax return on assets | 2.5799% | 211 |
| Return on Equity (ROE) | 20.4319% | 214 |
| Retained earnings to average equity (ytd only) | 5.2207% | 2,802 |
| Net charge-offs to loans | -0.0535% | 5,360 |
| Credit loss provision to net charge-offs | -325.0000% | 4,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5253% | 5,743 |
| Assets per employee ($millions) | 4.6074% | 2,886 |
| Cash dividends to net income (ytd only)* | 74.4483% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7916% | 1,170 |
| Loan loss allowance to noncurrent loans | 18,905.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 5,648 |
| Noncurrent loans to loans | 0.0095% | 5,484 |
| Net loans and leases to total assets | 74.9750% | 1,555 |
| Net loans and leases to deposits | 85.6381% | 2,100 |
| Net loans and leases to core deposits | 85.8250% | 2,765 |
| Total domestic deposits to total assets | 87.5487% | 1,899 |
| Equity capital to assets | 12.3309% | 1,798 |
| Core capital (leverage) ratio | 12.3871% | 1,383 |
| Tier 1 risk-based capital ratio | 13.8011% | 3,812 |
| Total risk-based capital ratio | 15.0546% | 3,749 |
| Memoranda: | ||
| Average total assets | $266,988,500 | 2,413 |
| Average earning assets | $246,419,500 | 2,418 |
| Average equity | $33,712,000 | 2,162 |
| Average total loans | $209,233,500 | 2,061 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7552% | 1,000 |
| Cost of funding earning assets | 0.1284% | 5,828 |
| Net interest margin | 4.6268% | 515 |
| Noninterest income to average assets | 0.8607% | 1,567 |
| Noninterest expense to average assets | 2.5969% | 3,935 |
| Loan and lease loss provision to assets | 0.1287% | 1,871 |
| Net operating income to assets | 2.3826% | 179 |
| Return on assets (ROA) | 2.3826% | 185 |
| Pretax return on assets | 2.3826% | 253 |
| Return on Equity (ROE) | 19.0167% | 307 |
| Retained earnings to average equity (ytd only) | 7.1088% | 1,234 |
| Net charge-offs to loans | 0.0191% | 3,890 |
| Credit loss provision to net charge-offs | 871.0526% | 389 |
| Earnings coverage of net charge-offs (x) | 169.9211% | 385 |
| Efficiency ratio | 50.8375% | 5,715 |
| Assets per employee ($millions) | 4.2219% | 3,533 |
| Cash dividends to net income (ytd only)* | 62.6183% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7655% | 1,201 |
| Loan loss allowance to noncurrent loans | 3,390.7407% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0575% | 5,432 |
| Noncurrent loans to loans | 0.0521% | 5,304 |
| Net loans and leases to total assets | 79.1200% | 970 |
| Net loans and leases to deposits | 94.7743% | 1,129 |
| Net loans and leases to core deposits | 95.0063% | 1,942 |
| Total domestic deposits to total assets | 83.4825% | 3,681 |
| Equity capital to assets | 12.9444% | 1,381 |
| Core capital (leverage) ratio | 12.7433% | 1,248 |
| Tier 1 risk-based capital ratio | 13.7619% | 3,848 |
| Total risk-based capital ratio | 15.0150% | 3,779 |
| Memoranda: | ||
| Average total assets | $257,114,400 | 2,444 |
| Average earning assets | $236,037,000 | 2,455 |
| Average equity | $32,213,800 | 2,190 |
| Average total loans | $199,211,000 | 2,076 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6151% | 1,293 |
| Cost of funding earning assets | 0.1295% | 5,920 |
| Net interest margin | 4.4856% | 672 |
| Noninterest income to average assets | 0.8591% | 1,586 |
| Noninterest expense to average assets | 2.6125% | 3,830 |
| Loan and lease loss provision to assets | 0.1240% | 1,835 |
| Net operating income to assets | 2.2380% | 241 |
| Return on assets (ROA) | 2.2380% | 252 |
| Pretax return on assets | 2.2380% | 377 |
| Return on Equity (ROE) | 18.0121% | 399 |
| Retained earnings to average equity (ytd only) | 6.3297% | 2,049 |
| Net charge-offs to loans | 0.0291% | 3,354 |
| Credit loss provision to net charge-offs | 555.8140% | 601 |
| Earnings coverage of net charge-offs (x) | 105.8871% | 592 |
| Efficiency ratio | 52.5185% | 5,615 |
| Assets per employee ($millions) | 3.9482% | 3,980 |
| Cash dividends to net income (ytd only)* | 64.8585% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7159% | 1,442 |
| Loan loss allowance to noncurrent loans | 2,134.7305% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0794% | 5,439 |
| Noncurrent loans to loans | 0.0804% | 5,306 |
| Net loans and leases to total assets | 78.3637% | 1,048 |
| Net loans and leases to deposits | 94.2869% | 1,172 |
| Net loans and leases to core deposits | 94.5156% | 2,032 |
| Total domestic deposits to total assets | 83.1119% | 3,773 |
| Equity capital to assets | 12.5666% | 1,705 |
| Core capital (leverage) ratio | 12.5297% | 1,402 |
| Tier 1 risk-based capital ratio | 13.8728% | 3,918 |
| Total risk-based capital ratio | 15.1259% | 3,862 |
| Memoranda: | ||
| Average total assets | $257,009,750 | 2,464 |
| Average earning assets | $235,799,000 | 2,475 |
| Average equity | $31,933,250 | 2,215 |
| Average total loans | $197,158,250 | 2,106 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5128% | 1,488 |
| Cost of funding earning assets | 0.1348% | 5,949 |
| Net interest margin | 4.3781% | 791 |
| Noninterest income to average assets | 0.8459% | 1,619 |
| Noninterest expense to average assets | 2.6261% | 3,829 |
| Loan and lease loss provision to assets | 0.1149% | 1,915 |
| Net operating income to assets | 2.1171% | 305 |
| Return on assets (ROA) | 2.1171% | 319 |
| Pretax return on assets | 2.1171% | 482 |
| Return on Equity (ROE) | 17.1055% | 472 |
| Retained earnings to average equity (ytd only) | 7.5105% | 1,472 |
| Net charge-offs to loans | -0.0031% | 4,648 |
| Credit loss provision to net charge-offs | -4,900.0000% | 5,585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0554% | 5,584 |
| Assets per employee ($millions) | 3.7578% | 4,312 |
| Cash dividends to net income (ytd only)* | 56.0931% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7607% | 1,467 |
| Loan loss allowance to noncurrent loans | 1,667.7725% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0814% | 5,546 |
| Noncurrent loans to loans | 0.1056% | 5,322 |
| Net loans and leases to total assets | 75.7238% | 1,403 |
| Net loans and leases to deposits | 86.6019% | 1,989 |
| Net loans and leases to core deposits | 86.8017% | 2,675 |
| Total domestic deposits to total assets | 87.4390% | 1,935 |
| Equity capital to assets | 12.4495% | 1,687 |
| Core capital (leverage) ratio | 12.0822% | 1,604 |
| Tier 1 risk-based capital ratio | 14.1629% | 3,836 |
| Total risk-based capital ratio | 15.4167% | 3,761 |
| Memoranda: | ||
| Average total assets | $255,819,670 | 2,490 |
| Average earning assets | $234,441,670 | 2,504 |
| Average equity | $31,662,330 | 2,238 |
| Average total loans | $193,622,670 | 2,145 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3602% | 1,901 |
| Cost of funding earning assets | 0.1359% | 6,028 |
| Net interest margin | 4.2242% | 1,016 |
| Noninterest income to average assets | 0.8533% | 1,553 |
| Noninterest expense to average assets | 2.6448% | 3,767 |
| Loan and lease loss provision to assets | 0.0882% | 2,220 |
| Net operating income to assets | 1.9852% | 350 |
| Return on assets (ROA) | 1.9852% | 368 |
| Pretax return on assets | 1.9852% | 608 |
| Return on Equity (ROE) | 16.0875% | 561 |
| Retained earnings to average equity (ytd only) | 3.8528% | 3,689 |
| Net charge-offs to loans | -0.0021% | 4,355 |
| Credit loss provision to net charge-offs | -5,600.0000% | 5,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0561% | 5,512 |
| Assets per employee ($millions) | 4.0172% | 3,926 |
| Cash dividends to net income (ytd only)* | 76.0508% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7371% | 1,649 |
| Loan loss allowance to noncurrent loans | 17,130.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 5,923 |
| Noncurrent loans to loans | 0.0101% | 5,765 |
| Net loans and leases to total assets | 73.0936% | 1,639 |
| Net loans and leases to deposits | 83.1051% | 2,196 |
| Net loans and leases to core deposits | 83.3940% | 2,830 |
| Total domestic deposits to total assets | 87.9533% | 1,853 |
| Equity capital to assets | 11.9279% | 2,078 |
| Core capital (leverage) ratio | 12.1699% | 1,534 |
| Tier 1 risk-based capital ratio | 14.0210% | 3,995 |
| Total risk-based capital ratio | 15.2745% | 3,917 |
| Memoranda: | ||
| Average total assets | $254,086,000 | 2,524 |
| Average earning assets | $232,469,000 | 2,531 |
| Average equity | $31,353,500 | 2,266 |
| Average total loans | $190,503,500 | 2,180 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4240% | 2,146 |
| Cost of funding earning assets | 0.1526% | 6,085 |
| Net interest margin | 4.2714% | 1,111 |
| Noninterest income to average assets | 0.8907% | 1,535 |
| Noninterest expense to average assets | 2.7077% | 3,834 |
| Loan and lease loss provision to assets | 0.1491% | 1,755 |
| Net operating income to assets | 1.9181% | 383 |
| Return on assets (ROA) | 1.9181% | 397 |
| Pretax return on assets | 1.9181% | 614 |
| Return on Equity (ROE) | 15.4772% | 703 |
| Retained earnings to average equity (ytd only) | 7.7286% | 1,119 |
| Net charge-offs to loans | -0.0061% | 5,489 |
| Credit loss provision to net charge-offs | -3,272.7273% | 6,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7066% | 5,597 |
| Assets per employee ($millions) | 3.6824% | 4,564 |
| Cash dividends to net income (ytd only)* | 50.0648% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8337% | 1,463 |
| Loan loss allowance to noncurrent loans | 18,722.2222% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 6,052 |
| Noncurrent loans to loans | 0.0098% | 5,882 |
| Net loans and leases to total assets | 74.2332% | 1,549 |
| Net loans and leases to deposits | 87.8864% | 1,745 |
| Net loans and leases to core deposits | 88.4487% | 2,455 |
| Total domestic deposits to total assets | 84.4650% | 3,524 |
| Equity capital to assets | 12.7889% | 1,472 |
| Core capital (leverage) ratio | 12.7417% | 1,230 |
| Tier 1 risk-based capital ratio | 14.9279% | 3,531 |
| Total risk-based capital ratio | 16.1826% | 3,458 |
| Memoranda: | ||
| Average total assets | $241,382,000 | 2,605 |
| Average earning assets | $219,508,600 | 2,631 |
| Average equity | $29,915,000 | 2,273 |
| Average total loans | $179,333,200 | 2,235 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3926% | 2,250 |
| Cost of funding earning assets | 0.1584% | 6,129 |
| Net interest margin | 4.2343% | 1,193 |
| Noninterest income to average assets | 0.8853% | 1,571 |
| Noninterest expense to average assets | 2.6515% | 4,011 |
| Loan and lease loss provision to assets | 0.1488% | 1,682 |
| Net operating income to assets | 1.9311% | 397 |
| Return on assets (ROA) | 1.9311% | 407 |
| Pretax return on assets | 1.9311% | 667 |
| Return on Equity (ROE) | 15.7080% | 716 |
| Retained earnings to average equity (ytd only) | 7.9710% | 1,374 |
| Net charge-offs to loans | -0.0067% | 5,348 |
| Credit loss provision to net charge-offs | -2,988.8889% | 6,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0402% | 5,657 |
| Assets per employee ($millions) | 3.9500% | 3,981 |
| Cash dividends to net income (ytd only)* | 49.2549% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8134% | 1,667 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 72.4512% | 1,773 |
| Net loans and leases to deposits | 82.9064% | 2,305 |
| Net loans and leases to core deposits | 83.6230% | 2,928 |
| Total domestic deposits to total assets | 87.3891% | 2,098 |
| Equity capital to assets | 12.4782% | 1,712 |
| Core capital (leverage) ratio | 12.1984% | 1,573 |
| Tier 1 risk-based capital ratio | 14.9425% | 3,621 |
| Total risk-based capital ratio | 16.1972% | 3,546 |
| Memoranda: | ||
| Average total assets | $240,968,000 | 2,622 |
| Average earning assets | $218,876,250 | 2,649 |
| Average equity | $29,623,250 | 2,301 |
| Average total loans | $178,220,250 | 2,256 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3492% | 2,385 |
| Cost of funding earning assets | 0.1639% | 6,164 |
| Net interest margin | 4.1853% | 1,284 |
| Noninterest income to average assets | 0.8379% | 1,710 |
| Noninterest expense to average assets | 2.6580% | 4,023 |
| Loan and lease loss provision to assets | 0.1494% | 1,650 |
| Net operating income to assets | 1.8226% | 472 |
| Return on assets (ROA) | 1.8226% | 485 |
| Pretax return on assets | 1.8226% | 810 |
| Return on Equity (ROE) | 14.9021% | 807 |
| Retained earnings to average equity (ytd only) | 8.3517% | 1,188 |
| Net charge-offs to loans | -0.0101% | 5,326 |
| Credit loss provision to net charge-offs | -1,988.8889% | 5,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4081% | 5,619 |
| Assets per employee ($millions) | 4.0966% | 3,654 |
| Cash dividends to net income (ytd only)* | 43.9560% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8091% | 1,825 |
| Loan loss allowance to noncurrent loans | 318,700.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 6,287 |
| Noncurrent loans to loans | 0.0006% | 6,118 |
| Net loans and leases to total assets | 70.3735% | 2,025 |
| Net loans and leases to deposits | 80.3329% | 2,471 |
| Net loans and leases to core deposits | 81.0276% | 3,096 |
| Total domestic deposits to total assets | 87.6024% | 2,145 |
| Equity capital to assets | 12.2410% | 1,820 |
| Core capital (leverage) ratio | 12.1507% | 1,572 |
| Tier 1 risk-based capital ratio | 14.8461% | 3,720 |
| Total risk-based capital ratio | 16.1001% | 3,660 |
| Memoranda: | ||
| Average total assets | $239,657,330 | 2,639 |
| Average earning assets | $217,142,330 | 2,667 |
| Average equity | $29,311,330 | 2,309 |
| Average total loans | $177,390,330 | 2,263 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2980% | 2,529 |
| Cost of funding earning assets | 0.1756% | 6,196 |
| Net interest margin | 4.1224% | 1,407 |
| Noninterest income to average assets | 0.8487% | 1,568 |
| Noninterest expense to average assets | 2.6510% | 4,110 |
| Loan and lease loss provision to assets | 0.1505% | 1,610 |
| Net operating income to assets | 1.7786% | 500 |
| Return on assets (ROA) | 1.7786% | 516 |
| Pretax return on assets | 1.7786% | 829 |
| Return on Equity (ROE) | 14.5490% | 851 |
| Retained earnings to average equity (ytd only) | 5.6979% | 2,691 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8811% | 5,661 |
| Assets per employee ($millions) | 4.2738% | 3,394 |
| Cash dividends to net income (ytd only)* | 60.8365% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7197% | 2,288 |
| Loan loss allowance to noncurrent loans | 1,528.7129% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 6,008 |
| Noncurrent loans to loans | 0.1125% | 5,788 |
| Net loans and leases to total assets | 71.1947% | 1,694 |
| Net loans and leases to deposits | 80.7900% | 2,193 |
| Net loans and leases to core deposits | 81.3850% | 2,806 |
| Total domestic deposits to total assets | 88.1232% | 2,157 |
| Equity capital to assets | 11.7687% | 2,036 |
| Core capital (leverage) ratio | 12.0396% | 1,632 |
| Tier 1 risk-based capital ratio | 14.0474% | 4,305 |
| Total risk-based capital ratio | 15.3002% | 4,235 |
| Memoranda: | ||
| Average total assets | $236,587,500 | 2,671 |
| Average earning assets | $214,147,500 | 2,707 |
| Average equity | $28,923,000 | 2,331 |
| Average total loans | $178,004,000 | 2,255 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3811% | 2,654 |
| Cost of funding earning assets | 0.2042% | 6,266 |
| Net interest margin | 4.1769% | 1,429 |
| Noninterest income to average assets | 1.2181% | 949 |
| Noninterest expense to average assets | 2.6733% | 4,201 |
| Loan and lease loss provision to assets | 0.1514% | 2,388 |
| Net operating income to assets | 2.1427% | 268 |
| Return on assets (ROA) | 2.1427% | 272 |
| Pretax return on assets | 2.1427% | 346 |
| Return on Equity (ROE) | 18.7175% | 358 |
| Retained earnings to average equity (ytd only) | 10.3174% | 513 |
| Net charge-offs to loans | -0.0196% | 6,138 |
| Credit loss provision to net charge-offs | -1,028.5714% | 6,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8175% | 6,152 |
| Assets per employee ($millions) | 3.8186% | 4,225 |
| Cash dividends to net income (ytd only)* | 44.8783% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6997% | 2,405 |
| Loan loss allowance to noncurrent loans | 1,455.8252% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0914% | 6,071 |
| Noncurrent loans to loans | 0.1168% | 5,857 |
| Net loans and leases to total assets | 76.9850% | 956 |
| Net loans and leases to deposits | 88.3297% | 1,431 |
| Net loans and leases to core deposits | 89.0544% | 2,133 |
| Total domestic deposits to total assets | 87.1565% | 2,642 |
| Equity capital to assets | 12.7272% | 1,408 |
| Core capital (leverage) ratio | 12.5179% | 1,349 |
| Tier 1 risk-based capital ratio | 14.4639% | 3,977 |
| Total risk-based capital ratio | 15.7171% | 3,914 |
| Memoranda: | ||
| Average total assets | $237,833,800 | 2,640 |
| Average earning assets | $213,485,800 | 2,684 |
| Average equity | $27,225,800 | 2,437 |
| Average total loans | $178,781,800 | 2,207 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3326% | 2,863 |
| Cost of funding earning assets | 0.2121% | 6,341 |
| Net interest margin | 4.1205% | 1,570 |
| Noninterest income to average assets | 1.3291% | 838 |
| Noninterest expense to average assets | 2.6598% | 4,161 |
| Loan and lease loss provision to assets | 0.1488% | 2,412 |
| Net operating income to assets | 2.2188% | 250 |
| Return on assets (ROA) | 2.2188% | 258 |
| Pretax return on assets | 2.2188% | 365 |
| Return on Equity (ROE) | 19.9024% | 303 |
| Retained earnings to average equity (ytd only) | 11.9663% | 426 |
| Net charge-offs to loans | -0.0245% | 6,110 |
| Credit loss provision to net charge-offs | -815.1515% | 6,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9056% | 6,188 |
| Assets per employee ($millions) | 3.9552% | 3,922 |
| Cash dividends to net income (ytd only)* | 39.8754% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6308% | 2,881 |
| Loan loss allowance to noncurrent loans | 1,377.2512% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0920% | 6,163 |
| Noncurrent loans to loans | 0.1184% | 5,970 |
| Net loans and leases to total assets | 76.4129% | 953 |
| Net loans and leases to deposits | 87.2890% | 1,460 |
| Net loans and leases to core deposits | 88.1064% | 2,174 |
| Total domestic deposits to total assets | 87.5402% | 2,391 |
| Equity capital to assets | 12.3195% | 1,695 |
| Core capital (leverage) ratio | 11.8364% | 1,785 |
| Tier 1 risk-based capital ratio | 14.0414% | 4,393 |
| Total risk-based capital ratio | 15.2939% | 4,347 |
| Memoranda: | ||
| Average total assets | $240,968,000 | 2,635 |
| Average earning assets | $216,276,750 | 2,674 |
| Average equity | $26,863,750 | 2,495 |
| Average total loans | $179,366,250 | 2,205 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2987% | 2,954 |
| Cost of funding earning assets | 0.2204% | 6,366 |
| Net interest margin | 4.0783% | 1,603 |
| Noninterest income to average assets | 0.7761% | 2,296 |
| Noninterest expense to average assets | 2.5994% | 4,391 |
| Loan and lease loss provision to assets | 0.1462% | 2,507 |
| Net operating income to assets | 1.6886% | 637 |
| Return on assets (ROA) | 1.6886% | 694 |
| Pretax return on assets | 1.6886% | 1,139 |
| Return on Equity (ROE) | 15.6603% | 708 |
| Retained earnings to average equity (ytd only) | 8.3870% | 1,338 |
| Net charge-offs to loans | -0.0178% | 5,938 |
| Credit loss provision to net charge-offs | -1,118.7500% | 6,046 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6220% | 5,652 |
| Assets per employee ($millions) | 4.2010% | 3,354 |
| Cash dividends to net income (ytd only)* | 46.4441% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5403% | 3,402 |
| Loan loss allowance to noncurrent loans | 1,301.8605% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0882% | 6,229 |
| Noncurrent loans to loans | 0.1183% | 6,035 |
| Net loans and leases to total assets | 73.4284% | 1,339 |
| Net loans and leases to deposits | 82.6653% | 1,968 |
| Net loans and leases to core deposits | 83.3850% | 2,644 |
| Total domestic deposits to total assets | 88.8262% | 1,721 |
| Equity capital to assets | 11.0322% | 2,720 |
| Core capital (leverage) ratio | 11.1141% | 2,244 |
| Tier 1 risk-based capital ratio | 12.8230% | 5,277 |
| Total risk-based capital ratio | 14.0741% | 5,203 |
| Memoranda: | ||
| Average total assets | $244,823,670 | 2,601 |
| Average earning assets | $219,600,330 | 2,644 |
| Average equity | $26,398,000 | 2,545 |
| Average total loans | $179,755,670 | 2,201 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3016% | 2,882 |
| Cost of funding earning assets | 0.2280% | 6,426 |
| Net interest margin | 4.0735% | 1,547 |
| Noninterest income to average assets | 0.7335% | 2,411 |
| Noninterest expense to average assets | 2.5786% | 4,478 |
| Loan and lease loss provision to assets | 0.1451% | 2,428 |
| Net operating income to assets | 1.6495% | 648 |
| Return on assets (ROA) | 1.6495% | 712 |
| Pretax return on assets | 1.6495% | 1,192 |
| Return on Equity (ROE) | 15.4761% | 682 |
| Retained earnings to average equity (ytd only) | 5.6888% | 2,847 |
| Net charge-offs to loans | -0.0045% | 5,246 |
| Credit loss provision to net charge-offs | -4,450.0000% | 5,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9638% | 5,723 |
| Assets per employee ($millions) | 4.1791% | 3,577 |
| Cash dividends to net income (ytd only)* | 63.2411% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5050% | 3,804 |
| Loan loss allowance to noncurrent loans | 291.3514% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.3629% | 5,503 |
| Noncurrent loans to loans | 0.5166% | 5,142 |
| Net loans and leases to total assets | 69.1860% | 1,804 |
| Net loans and leases to deposits | 77.2842% | 2,452 |
| Net loans and leases to core deposits | 78.0945% | 3,050 |
| Total domestic deposits to total assets | 89.5215% | 1,345 |
| Equity capital to assets | 10.3345% | 3,753 |
| Core capital (leverage) ratio | 10.5784% | 2,674 |
| Tier 1 risk-based capital ratio | 12.5597% | 5,550 |
| Total risk-based capital ratio | 13.8100% | 5,490 |
| Memoranda: | ||
| Average total assets | $245,406,000 | 2,629 |
| Average earning assets | $219,269,500 | 2,672 |
| Average equity | $26,156,500 | 2,603 |
| Average total loans | $178,776,500 | 2,226 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7471% | 2,406 |
| Cost of funding earning assets | 0.2844% | 6,527 |
| Net interest margin | 4.4627% | 1,018 |
| Noninterest income to average assets | 0.8183% | 2,185 |
| Noninterest expense to average assets | 2.8492% | 3,845 |
| Loan and lease loss provision to assets | 0.2141% | 3,003 |
| Net operating income to assets | 1.7233% | 589 |
| Return on assets (ROA) | 1.7233% | 662 |
| Pretax return on assets | 1.7233% | 1,083 |
| Return on Equity (ROE) | 15.6008% | 722 |
| Retained earnings to average equity (ytd only) | 9.4790% | 701 |
| Net charge-offs to loans | -0.0085% | 6,446 |
| Credit loss provision to net charge-offs | -3,206.6667% | 6,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5238% | 5,613 |
| Assets per employee ($millions) | 3.8670% | 4,237 |
| Cash dividends to net income (ytd only)* | 39.2405% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4589% | 3,903 |
| Loan loss allowance to noncurrent loans | 245.8924% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.4489% | 5,363 |
| Noncurrent loans to loans | 0.5933% | 5,042 |
| Net loans and leases to total assets | 74.5618% | 1,118 |
| Net loans and leases to deposits | 83.9882% | 1,757 |
| Net loans and leases to core deposits | 85.1050% | 2,412 |
| Total domestic deposits to total assets | 88.7765% | 1,715 |
| Equity capital to assets | 11.0086% | 2,941 |
| Core capital (leverage) ratio | 10.8201% | 2,419 |
| Tier 1 risk-based capital ratio | 12.6952% | 5,328 |
| Total risk-based capital ratio | 13.9456% | 5,270 |
| Memoranda: | ||
| Average total assets | $224,621,800 | 2,789 |
| Average earning assets | $199,744,400 | 2,850 |
| Average equity | $24,812,800 | 2,674 |
| Average total loans | $177,021,000 | 2,237 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8166% | 2,330 |
| Cost of funding earning assets | 0.2993% | 6,616 |
| Net interest margin | 4.5172% | 959 |
| Noninterest income to average assets | 0.8187% | 2,160 |
| Noninterest expense to average assets | 2.8703% | 3,710 |
| Loan and lease loss provision to assets | 0.2344% | 2,702 |
| Net operating income to assets | 1.7234% | 659 |
| Return on assets (ROA) | 1.7234% | 721 |
| Pretax return on assets | 1.7234% | 1,212 |
| Return on Equity (ROE) | 15.5871% | 803 |
| Retained earnings to average equity (ytd only) | 9.5034% | 1,064 |
| Net charge-offs to loans | -0.0121% | 6,400 |
| Credit loss provision to net charge-offs | -2,437.5000% | 6,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4497% | 5,591 |
| Assets per employee ($millions) | 3.7088% | 4,515 |
| Cash dividends to net income (ytd only)* | 39.0303% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4149% | 4,310 |
| Loan loss allowance to noncurrent loans | 277.2878% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.4009% | 5,690 |
| Noncurrent loans to loans | 0.5103% | 5,420 |
| Net loans and leases to total assets | 77.4549% | 799 |
| Net loans and leases to deposits | 87.3821% | 1,430 |
| Net loans and leases to core deposits | 89.0767% | 2,095 |
| Total domestic deposits to total assets | 88.6392% | 1,632 |
| Equity capital to assets | 11.2153% | 3,019 |
| Core capital (leverage) ratio | 10.9247% | 2,463 |
| Tier 1 risk-based capital ratio | 12.7091% | 5,468 |
| Total risk-based capital ratio | 13.9592% | 5,439 |
| Memoranda: | ||
| Average total assets | $221,805,000 | 2,843 |
| Average earning assets | $196,871,250 | 2,902 |
| Average equity | $24,524,000 | 2,731 |
| Average total loans | $176,654,500 | 2,275 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8036% | 2,492 |
| Cost of funding earning assets | 0.3065% | 6,712 |
| Net interest margin | 4.4971% | 998 |
| Noninterest income to average assets | 0.8406% | 2,002 |
| Noninterest expense to average assets | 2.8648% | 3,764 |
| Loan and lease loss provision to assets | 0.2714% | 2,411 |
| Net operating income to assets | 1.6866% | 692 |
| Return on assets (ROA) | 1.6866% | 776 |
| Pretax return on assets | 1.6866% | 1,300 |
| Return on Equity (ROE) | 15.3294% | 883 |
| Retained earnings to average equity (ytd only) | 10.7091% | 804 |
| Net charge-offs to loans | -0.0170% | 6,393 |
| Credit loss provision to net charge-offs | -1,993.3333% | 6,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4015% | 5,679 |
| Assets per employee ($millions) | 3.8973% | 4,079 |
| Cash dividends to net income (ytd only)* | 30.1399% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3346% | 4,726 |
| Loan loss allowance to noncurrent loans | 352.6929% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.2988% | 6,019 |
| Noncurrent loans to loans | 0.3784% | 5,781 |
| Net loans and leases to total assets | 77.8992% | 734 |
| Net loans and leases to deposits | 87.4949% | 1,424 |
| Net loans and leases to core deposits | 89.1514% | 2,077 |
| Total domestic deposits to total assets | 89.0329% | 1,478 |
| Equity capital to assets | 10.8393% | 3,302 |
| Core capital (leverage) ratio | 10.9773% | 2,324 |
| Tier 1 risk-based capital ratio | 12.2135% | 5,785 |
| Total risk-based capital ratio | 13.4036% | 5,807 |
| Memoranda: | ||
| Average total assets | $220,328,330 | 2,867 |
| Average earning assets | $195,103,330 | 2,937 |
| Average equity | $24,241,000 | 2,745 |
| Average total loans | $176,291,000 | 2,282 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8399% | 2,487 |
| Cost of funding earning assets | 0.3139% | 6,803 |
| Net interest margin | 4.5259% | 960 |
| Noninterest income to average assets | 0.8129% | 2,101 |
| Noninterest expense to average assets | 2.9751% | 3,359 |
| Loan and lease loss provision to assets | 0.2784% | 2,231 |
| Net operating income to assets | 1.5460% | 947 |
| Return on assets (ROA) | 1.5460% | 1,061 |
| Pretax return on assets | 1.5460% | 1,751 |
| Return on Equity (ROE) | 13.9417% | 1,194 |
| Retained earnings to average equity (ytd only) | 8.5860% | 1,741 |
| Net charge-offs to loans | -0.0184% | 6,155 |
| Credit loss provision to net charge-offs | -1,875.0000% | 6,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9876% | 5,275 |
| Assets per employee ($millions) | 3.7148% | 4,624 |
| Cash dividends to net income (ytd only)* | 38.4154% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 4,967 |
| Loan loss allowance to noncurrent loans | 330.4665% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.3027% | 6,137 |
| Noncurrent loans to loans | 0.3970% | 5,880 |
| Net loans and leases to total assets | 75.2472% | 890 |
| Net loans and leases to deposits | 84.3481% | 1,625 |
| Net loans and leases to core deposits | 85.9610% | 2,298 |
| Total domestic deposits to total assets | 89.2103% | 1,553 |
| Equity capital to assets | 10.6582% | 3,310 |
| Core capital (leverage) ratio | 10.8746% | 2,360 |
| Tier 1 risk-based capital ratio | 12.2789% | 5,777 |
| Total risk-based capital ratio | 13.4348% | 5,814 |
| Memoranda: | ||
| Average total assets | $215,521,500 | 2,940 |
| Average earning assets | $189,840,000 | 3,018 |
| Average equity | $23,899,500 | 2,771 |
| Average total loans | $173,663,500 | 2,328 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1986% | 2,062 |
| Cost of funding earning assets | 0.4461% | 6,742 |
| Net interest margin | 4.7525% | 682 |
| Noninterest income to average assets | 0.8373% | 1,893 |
| Noninterest expense to average assets | 3.0909% | 3,230 |
| Loan and lease loss provision to assets | 0.5588% | 1,868 |
| Net operating income to assets | 1.3544% | 1,130 |
| Return on assets (ROA) | 1.3544% | 1,218 |
| Pretax return on assets | 1.3544% | 1,934 |
| Return on Equity (ROE) | 12.5308% | 1,276 |
| Retained earnings to average equity (ytd only) | 7.6280% | 1,217 |
| Net charge-offs to loans | 0.4252% | 3,305 |
| Credit loss provision to net charge-offs | 154.0470% | 1,822 |
| Earnings coverage of net charge-offs (x) | 5.2742% | 2,844 |
| Efficiency ratio | 61.7678% | 5,492 |
| Assets per employee ($millions) | 3.4651% | 5,108 |
| Cash dividends to net income (ytd only)* | 39.1259% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 5,348 |
| Loan loss allowance to noncurrent loans | 188.3929% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.5478% | 5,600 |
| Noncurrent loans to loans | 0.6417% | 5,427 |
| Net loans and leases to total assets | 84.3464% | 195 |
| Net loans and leases to deposits | 95.5102% | 703 |
| Net loans and leases to core deposits | 97.5537% | 1,370 |
| Total domestic deposits to total assets | 88.3114% | 1,957 |
| Equity capital to assets | 11.5668% | 2,456 |
| Core capital (leverage) ratio | 11.4622% | 1,924 |
| Tier 1 risk-based capital ratio | 12.1189% | 5,750 |
| Total risk-based capital ratio | 13.2039% | 5,839 |
| Memoranda: | ||
| Average total assets | $211,166,800 | 2,930 |
| Average earning assets | $185,146,600 | 3,028 |
| Average equity | $22,823,800 | 2,803 |
| Average total loans | $180,144,400 | 2,244 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1738% | 2,300 |
| Cost of funding earning assets | 0.4780% | 6,789 |
| Net interest margin | 4.6958% | 771 |
| Noninterest income to average assets | 0.8093% | 2,015 |
| Noninterest expense to average assets | 3.0970% | 3,174 |
| Loan and lease loss provision to assets | 0.2813% | 3,275 |
| Net operating income to assets | 1.5541% | 841 |
| Return on assets (ROA) | 1.5541% | 916 |
| Pretax return on assets | 1.5541% | 1,503 |
| Return on Equity (ROE) | 14.6252% | 914 |
| Retained earnings to average equity (ytd only) | 8.9661% | 1,157 |
| Net charge-offs to loans | 0.5016% | 2,753 |
| Credit loss provision to net charge-offs | 65.7394% | 4,612 |
| Earnings coverage of net charge-offs (x) | 4.2899% | 3,119 |
| Efficiency ratio | 62.7889% | 5,278 |
| Assets per employee ($millions) | 3.3385% | 5,392 |
| Cash dividends to net income (ytd only)* | 38.6941% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8329% | 6,754 |
| Loan loss allowance to noncurrent loans | 55.6105% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 1.2894% | 4,232 |
| Noncurrent loans to loans | 1.4978% | 4,047 |
| Net loans and leases to total assets | 84.0915% | 218 |
| Net loans and leases to deposits | 95.0047% | 758 |
| Net loans and leases to core deposits | 97.0148% | 1,509 |
| Total domestic deposits to total assets | 88.5130% | 1,752 |
| Equity capital to assets | 11.3305% | 2,831 |
| Core capital (leverage) ratio | 11.1593% | 2,276 |
| Tier 1 risk-based capital ratio | 12.0167% | 5,882 |
| Total risk-based capital ratio | 12.7691% | 6,222 |
| Memoranda: | ||
| Average total assets | $212,849,000 | 2,923 |
| Average earning assets | $186,886,500 | 3,013 |
| Average equity | $22,618,000 | 2,825 |
| Average total loans | $181,544,000 | 2,247 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1909% | 2,296 |
| Cost of funding earning assets | 0.5092% | 6,818 |
| Net interest margin | 4.6817% | 761 |
| Noninterest income to average assets | 0.8007% | 2,010 |
| Noninterest expense to average assets | 3.1620% | 3,040 |
| Loan and lease loss provision to assets | 0.2775% | 3,158 |
| Net operating income to assets | 1.4786% | 929 |
| Return on assets (ROA) | 1.4786% | 986 |
| Pretax return on assets | 1.4786% | 1,590 |
| Return on Equity (ROE) | 14.2169% | 932 |
| Retained earnings to average equity (ytd only) | 8.4871% | 1,267 |
| Net charge-offs to loans | 0.0087% | 5,732 |
| Credit loss provision to net charge-offs | 3,725.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 235.7500% | 150 |
| Efficiency ratio | 64.2938% | 5,183 |
| Assets per employee ($millions) | 3.2424% | 5,541 |
| Cash dividends to net income (ytd only)* | 40.3023% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0927% | 5,988 |
| Loan loss allowance to noncurrent loans | 79.9195% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 1.3167% | 4,275 |
| Noncurrent loans to loans | 1.3672% | 4,370 |
| Net loans and leases to total assets | 85.2991% | 168 |
| Net loans and leases to deposits | 97.4876% | 621 |
| Net loans and leases to core deposits | 99.5305% | 1,386 |
| Total domestic deposits to total assets | 87.4974% | 2,469 |
| Equity capital to assets | 10.8571% | 3,122 |
| Core capital (leverage) ratio | 10.6327% | 2,582 |
| Tier 1 risk-based capital ratio | 11.3981% | 6,249 |
| Total risk-based capital ratio | 12.3920% | 6,415 |
| Memoranda: | ||
| Average total assets | $214,802,000 | 2,912 |
| Average earning assets | $188,907,330 | 3,012 |
| Average equity | $22,339,670 | 2,837 |
| Average total loans | $183,551,000 | 2,238 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2252% | 2,138 |
| Cost of funding earning assets | 0.5366% | 6,843 |
| Net interest margin | 4.6885% | 727 |
| Noninterest income to average assets | 0.8099% | 1,992 |
| Noninterest expense to average assets | 3.1878% | 2,932 |
| Loan and lease loss provision to assets | 0.2730% | 2,970 |
| Net operating income to assets | 1.4592% | 965 |
| Return on assets (ROA) | 1.4592% | 1,001 |
| Pretax return on assets | 1.4592% | 1,570 |
| Return on Equity (ROE) | 14.3372% | 930 |
| Retained earnings to average equity (ytd only) | 5.6370% | 2,833 |
| Net charge-offs to loans | 0.0087% | 4,985 |
| Credit loss provision to net charge-offs | 3,700.0000% | 99 |
| Earnings coverage of net charge-offs (x) | 234.7500% | 131 |
| Efficiency ratio | 64.7919% | 5,217 |
| Assets per employee ($millions) | 3.3956% | 5,255 |
| Cash dividends to net income (ytd only)* | 60.6827% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 6,386 |
| Loan loss allowance to noncurrent loans | 229.1407% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.5761% | 5,821 |
| Noncurrent loans to loans | 0.4384% | 6,132 |
| Net loans and leases to total assets | 83.4350% | 253 |
| Net loans and leases to deposits | 93.1136% | 907 |
| Net loans and leases to core deposits | 94.9538% | 1,774 |
| Total domestic deposits to total assets | 89.6057% | 1,425 |
| Equity capital to assets | 10.2342% | 3,496 |
| Core capital (leverage) ratio | 10.2299% | 2,895 |
| Tier 1 risk-based capital ratio | 10.9841% | 6,520 |
| Total risk-based capital ratio | 11.8971% | 6,711 |
| Memoranda: | ||
| Average total assets | $216,825,000 | 2,913 |
| Average earning assets | $190,080,500 | 3,012 |
| Average equity | $22,068,500 | 2,859 |
| Average total loans | $184,447,000 | 2,250 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3255% | 2,999 |
| Cost of funding earning assets | 0.7059% | 6,869 |
| Net interest margin | 4.6196% | 971 |
| Noninterest income to average assets | 0.8206% | 2,184 |
| Noninterest expense to average assets | 3.0440% | 3,676 |
| Loan and lease loss provision to assets | 0.1662% | 5,557 |
| Net operating income to assets | 1.6875% | 533 |
| Return on assets (ROA) | 1.6875% | 571 |
| Pretax return on assets | 1.6875% | 970 |
| Return on Equity (ROE) | 17.5116% | 429 |
| Retained earnings to average equity (ytd only) | 5.1038% | 2,356 |
| Net charge-offs to loans | 0.1701% | 5,308 |
| Credit loss provision to net charge-offs | 114.5511% | 3,789 |
| Earnings coverage of net charge-offs (x) | 12.7771% | 1,471 |
| Efficiency ratio | 62.1515% | 5,702 |
| Assets per employee ($millions) | 3.3802% | 5,217 |
| Cash dividends to net income (ytd only)* | 70.8544% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9131% | 6,689 |
| Loan loss allowance to noncurrent loans | 286.0034% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.4817% | 6,068 |
| Noncurrent loans to loans | 0.3193% | 6,416 |
| Net loans and leases to total assets | 85.0723% | 232 |
| Net loans and leases to deposits | 108.4938% | 262 |
| Net loans and leases to core deposits | 110.9546% | 873 |
| Total domestic deposits to total assets | 78.4121% | 6,235 |
| Equity capital to assets | 10.1216% | 3,588 |
| Core capital (leverage) ratio | 9.8881% | 3,222 |
| Tier 1 risk-based capital ratio | 10.8802% | 6,427 |
| Total risk-based capital ratio | 11.7256% | 6,692 |
| Memoranda: | ||
| Average total assets | $222,638,200 | 2,833 |
| Average earning assets | $196,487,200 | 2,926 |
| Average equity | $21,454,400 | 2,954 |
| Average total loans | $189,849,400 | 2,251 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2963% | 3,372 |
| Cost of funding earning assets | 0.7555% | 6,896 |
| Net interest margin | 4.5409% | 1,171 |
| Noninterest income to average assets | 0.8058% | 2,204 |
| Noninterest expense to average assets | 3.0066% | 3,717 |
| Loan and lease loss provision to assets | 0.1570% | 5,472 |
| Net operating income to assets | 1.6454% | 679 |
| Return on assets (ROA) | 1.6454% | 746 |
| Pretax return on assets | 1.6454% | 1,223 |
| Return on Equity (ROE) | 17.2847% | 554 |
| Retained earnings to average equity (ytd only) | 5.7907% | 2,481 |
| Net charge-offs to loans | 0.1586% | 5,048 |
| Credit loss provision to net charge-offs | 116.2996% | 3,585 |
| Earnings coverage of net charge-offs (x) | 13.3524% | 1,586 |
| Efficiency ratio | 62.5201% | 5,518 |
| Assets per employee ($millions) | 3.4649% | 5,067 |
| Cash dividends to net income (ytd only)* | 66.4980% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8745% | 6,823 |
| Loan loss allowance to noncurrent loans | 68.0516% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 1.0840% | 4,946 |
| Noncurrent loans to loans | 1.2851% | 4,709 |
| Net loans and leases to total assets | 83.6200% | 356 |
| Net loans and leases to deposits | 99.1625% | 709 |
| Net loans and leases to core deposits | 101.4521% | 1,701 |
| Total domestic deposits to total assets | 84.3262% | 3,947 |
| Equity capital to assets | 9.5426% | 4,774 |
| Core capital (leverage) ratio | 9.5852% | 3,790 |
| Tier 1 risk-based capital ratio | 10.3519% | 6,860 |
| Total risk-based capital ratio | 11.1582% | 7,100 |
| Memoranda: | ||
| Average total assets | $224,215,250 | 2,856 |
| Average earning assets | $197,666,500 | 2,953 |
| Average equity | $21,344,000 | 3,000 |
| Average total loans | $190,878,500 | 2,279 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2562% | 3,681 |
| Cost of funding earning assets | 0.7961% | 6,927 |
| Net interest margin | 4.4600% | 1,292 |
| Noninterest income to average assets | 0.7992% | 2,119 |
| Noninterest expense to average assets | 3.0423% | 3,546 |
| Loan and lease loss provision to assets | 0.1428% | 5,469 |
| Net operating income to assets | 1.5580% | 799 |
| Return on assets (ROA) | 1.5580% | 853 |
| Pretax return on assets | 1.5580% | 1,409 |
| Return on Equity (ROE) | 16.3798% | 651 |
| Retained earnings to average equity (ytd only) | 7.3166% | 1,712 |
| Net charge-offs to loans | 0.1493% | 4,741 |
| Credit loss provision to net charge-offs | 111.9718% | 3,623 |
| Earnings coverage of net charge-offs (x) | 13.3380% | 1,598 |
| Efficiency ratio | 64.1424% | 5,309 |
| Assets per employee ($millions) | 3.3111% | 5,409 |
| Cash dividends to net income (ytd only)* | 55.3314% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8760% | 6,834 |
| Loan loss allowance to noncurrent loans | 82.1992% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 0.9007% | 5,318 |
| Noncurrent loans to loans | 1.0657% | 5,182 |
| Net loans and leases to total assets | 83.7732% | 375 |
| Net loans and leases to deposits | 92.8857% | 1,405 |
| Net loans and leases to core deposits | 94.6807% | 2,622 |
| Total domestic deposits to total assets | 90.1896% | 821 |
| Equity capital to assets | 9.6106% | 4,527 |
| Core capital (leverage) ratio | 9.6806% | 3,565 |
| Tier 1 risk-based capital ratio | 10.3326% | 6,812 |
| Total risk-based capital ratio | 11.1334% | 7,069 |
| Memoranda: | ||
| Average total assets | $222,726,670 | 2,896 |
| Average earning assets | $196,948,670 | 2,990 |
| Average equity | $21,184,670 | 3,017 |
| Average total loans | $190,201,330 | 2,311 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1854% | 4,102 |
| Cost of funding earning assets | 0.8048% | 7,074 |
| Net interest margin | 4.3806% | 1,443 |
| Noninterest income to average assets | 0.7638% | 2,215 |
| Noninterest expense to average assets | 3.0752% | 3,365 |
| Loan and lease loss provision to assets | 0.1336% | 5,227 |
| Net operating income to assets | 1.4374% | 1,006 |
| Return on assets (ROA) | 1.4374% | 1,082 |
| Pretax return on assets | 1.4374% | 1,675 |
| Return on Equity (ROE) | 15.1927% | 840 |
| Retained earnings to average equity (ytd only) | 3.4164% | 4,108 |
| Net charge-offs to loans | 0.0063% | 5,522 |
| Credit loss provision to net charge-offs | 2,466.6667% | 214 |
| Earnings coverage of net charge-offs (x) | 290.0000% | 111 |
| Efficiency ratio | 66.1873% | 5,078 |
| Assets per employee ($millions) | 3.1709% | 5,834 |
| Cash dividends to net income (ytd only)* | 77.5126% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9064% | 6,825 |
| Loan loss allowance to noncurrent loans | 82.2658% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 0.9650% | 5,224 |
| Noncurrent loans to loans | 1.1018% | 5,154 |
| Net loans and leases to total assets | 84.7698% | 310 |
| Net loans and leases to deposits | 101.7054% | 658 |
| Net loans and leases to core deposits | 104.0554% | 1,734 |
| Total domestic deposits to total assets | 83.3484% | 4,455 |
| Equity capital to assets | 9.4724% | 4,579 |
| Core capital (leverage) ratio | 9.4743% | 3,807 |
| Tier 1 risk-based capital ratio | 10.1401% | 6,938 |
| Total risk-based capital ratio | 10.9746% | 7,190 |
| Memoranda: | ||
| Average total assets | $221,511,000 | 2,973 |
| Average earning assets | $196,321,000 | 3,040 |
| Average equity | $20,957,500 | 3,067 |
| Average total loans | $190,157,500 | 2,370 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1734% | 5,772 |
| Cost of funding earning assets | 1.1969% | 6,670 |
| Net interest margin | 3.9766% | 2,960 |
| Noninterest income to average assets | 0.7874% | 2,466 |
| Noninterest expense to average assets | 2.9366% | 4,404 |
| Loan and lease loss provision to assets | 0.0980% | 6,638 |
| Net operating income to assets | 1.3269% | 981 |
| Return on assets (ROA) | 1.3269% | 1,026 |
| Pretax return on assets | 1.3269% | 1,622 |
| Return on Equity (ROE) | 14.0851% | 768 |
| Retained earnings to average equity (ytd only) | 5.4162% | 1,617 |
| Net charge-offs to loans | 0.1078% | 6,072 |
| Credit loss provision to net charge-offs | 106.5657% | 5,202 |
| Earnings coverage of net charge-offs (x) | 15.5000% | 1,306 |
| Efficiency ratio | 67.3302% | 5,126 |
| Assets per employee ($millions) | 3.1580% | 5,832 |
| Cash dividends to net income (ytd only)* | 61.5465% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8664% | 6,940 |
| Loan loss allowance to noncurrent loans | 463.4831% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.2664% | 6,786 |
| Noncurrent loans to loans | 0.1869% | 6,956 |
| Net loans and leases to total assets | 85.4009% | 314 |
| Net loans and leases to deposits | 113.5013% | 275 |
| Net loans and leases to core deposits | 121.1242% | 1,870 |
| Total domestic deposits to total assets | 75.2422% | 6,822 |
| Equity capital to assets | 9.4498% | 4,489 |
| Core capital (leverage) ratio | 9.6315% | 3,546 |
| Tier 1 risk-based capital ratio | 9.9300% | 6,935 |
| Total risk-based capital ratio | 10.7202% | 7,220 |
| Memoranda: | ||
| Average total assets | $215,387,400 | 3,012 |
| Average earning assets | $193,584,600 | 3,054 |
| Average equity | $20,291,000 | 3,159 |
| Average total loans | $183,689,200 | 2,472 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1614% | 6,060 |
| Cost of funding earning assets | 1.2988% | 6,563 |
| Net interest margin | 3.8626% | 3,379 |
| Noninterest income to average assets | 0.7883% | 2,500 |
| Noninterest expense to average assets | 2.8708% | 4,565 |
| Loan and lease loss provision to assets | 0.0841% | 6,525 |
| Net operating income to assets | 1.3192% | 1,180 |
| Return on assets (ROA) | 1.3192% | 1,250 |
| Pretax return on assets | 1.3192% | 1,910 |
| Return on Equity (ROE) | 14.0140% | 926 |
| Retained earnings to average equity (ytd only) | 4.4882% | 2,763 |
| Net charge-offs to loans | -0.0132% | 7,715 |
| Credit loss provision to net charge-offs | -750.0000% | 7,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1672% | 5,149 |
| Assets per employee ($millions) | 3.0538% | 6,033 |
| Cash dividends to net income (ytd only)* | 67.9735% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9614% | 6,482 |
| Loan loss allowance to noncurrent loans | 250.3497% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.4243% | 6,393 |
| Noncurrent loans to loans | 0.3840% | 6,577 |
| Net loans and leases to total assets | 86.2625% | 327 |
| Net loans and leases to deposits | 110.3491% | 456 |
| Net loans and leases to core deposits | 116.9724% | 2,526 |
| Total domestic deposits to total assets | 78.1724% | 6,031 |
| Equity capital to assets | 9.5796% | 4,642 |
| Core capital (leverage) ratio | 9.5470% | 3,848 |
| Tier 1 risk-based capital ratio | 9.8592% | 7,092 |
| Total risk-based capital ratio | 10.7281% | 7,348 |
| Memoranda: | ||
| Average total assets | $213,968,750 | 3,037 |
| Average earning assets | $193,095,250 | 3,077 |
| Average equity | $20,141,250 | 3,208 |
| Average total loans | $182,001,750 | 2,511 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1091% | 6,396 |
| Cost of funding earning assets | 1.3760% | 6,560 |
| Net interest margin | 3.7331% | 3,814 |
| Noninterest income to average assets | 0.8101% | 2,366 |
| Noninterest expense to average assets | 2.8902% | 4,538 |
| Loan and lease loss provision to assets | 0.0841% | 6,336 |
| Net operating income to assets | 1.2101% | 1,446 |
| Return on assets (ROA) | 1.2101% | 1,530 |
| Pretax return on assets | 1.2101% | 2,267 |
| Return on Equity (ROE) | 12.9312% | 1,194 |
| Retained earnings to average equity (ytd only) | 4.9428% | 2,545 |
| Net charge-offs to loans | 0.0133% | 6,366 |
| Credit loss provision to net charge-offs | 750.0000% | 623 |
| Earnings coverage of net charge-offs (x) | 115.4167% | 333 |
| Efficiency ratio | 69.0710% | 4,969 |
| Assets per employee ($millions) | 3.1320% | 5,773 |
| Cash dividends to net income (ytd only)* | 61.7761% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9309% | 6,643 |
| Loan loss allowance to noncurrent loans | 66.8877% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 1.5772% | 3,857 |
| Noncurrent loans to loans | 1.3918% | 4,428 |
| Net loans and leases to total assets | 85.6942% | 405 |
| Net loans and leases to deposits | 99.6283% | 1,326 |
| Net loans and leases to core deposits | 105.2089% | 3,934 |
| Total domestic deposits to total assets | 86.0140% | 2,786 |
| Equity capital to assets | 9.5029% | 4,607 |
| Core capital (leverage) ratio | 9.3931% | 4,035 |
| Tier 1 risk-based capital ratio | 9.8116% | 7,123 |
| Total risk-based capital ratio | 10.6476% | 7,443 |
| Memoranda: | ||
| Average total assets | $214,036,330 | 3,056 |
| Average earning assets | $193,458,670 | 3,100 |
| Average equity | $20,029,000 | 3,237 |
| Average total loans | $180,605,670 | 2,565 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0725% | 6,733 |
| Cost of funding earning assets | 1.4292% | 6,637 |
| Net interest margin | 3.6432% | 4,126 |
| Noninterest income to average assets | 0.7904% | 2,381 |
| Noninterest expense to average assets | 2.6882% | 5,064 |
| Loan and lease loss provision to assets | 0.0839% | 5,880 |
| Net operating income to assets | 1.3068% | 1,363 |
| Return on assets (ROA) | 1.3068% | 1,462 |
| Pretax return on assets | 1.3068% | 2,260 |
| Return on Equity (ROE) | 14.0735% | 1,156 |
| Retained earnings to average equity (ytd only) | 4.4369% | 3,453 |
| Net charge-offs to loans | 0.0045% | 5,649 |
| Credit loss provision to net charge-offs | 2,250.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 373.0000% | 93 |
| Efficiency ratio | 65.9049% | 5,348 |
| Assets per employee ($millions) | 3.1415% | 5,767 |
| Cash dividends to net income (ytd only)* | 68.4736% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9383% | 6,564 |
| Loan loss allowance to noncurrent loans | 1,750.0000% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.4599% | 6,105 |
| Noncurrent loans to loans | 0.0536% | 7,386 |
| Net loans and leases to total assets | 81.8273% | 1,040 |
| Net loans and leases to deposits | 96.3507% | 1,893 |
| Net loans and leases to core deposits | 101.8004% | 4,368 |
| Total domestic deposits to total assets | 84.9265% | 3,243 |
| Equity capital to assets | 9.2473% | 5,015 |
| Core capital (leverage) ratio | 9.3201% | 4,216 |
| Tier 1 risk-based capital ratio | 9.3245% | 7,565 |
| Total risk-based capital ratio | 10.1135% | 7,904 |
| Memoranda: | ||
| Average total assets | $214,566,000 | 3,059 |
| Average earning assets | $193,673,500 | 3,102 |
| Average equity | $19,924,000 | 3,269 |
| Average total loans | $178,796,500 | 2,609 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3787% | 3,530 |
| Cost of funding earning assets | 2.0937% | 6,080 |
| Net interest margin | 4.2850% | 2,034 |
| Noninterest income to average assets | 0.8623% | 2,152 |
| Noninterest expense to average assets | 2.9857% | 4,132 |
| Loan and lease loss provision to assets | 0.0891% | 6,267 |
| Net operating income to assets | 1.7634% | 590 |
| Return on assets (ROA) | 1.7634% | 567 |
| Pretax return on assets | 1.7634% | 1,014 |
| Return on Equity (ROE) | 18.8133% | 463 |
| Retained earnings to average equity (ytd only) | 2.8475% | 3,402 |
| Net charge-offs to loans | 0.0870% | 5,500 |
| Credit loss provision to net charge-offs | 122.2973% | 4,396 |
| Earnings coverage of net charge-offs (x) | 25.4189% | 1,332 |
| Efficiency ratio | 61.7099% | 6,007 |
| Assets per employee ($millions) | 3.0338% | 5,972 |
| Cash dividends to net income (ytd only)* | 84.8646% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9169% | 6,584 |
| Loan loss allowance to noncurrent loans | 1,670.4082% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.4511% | 5,868 |
| Noncurrent loans to loans | 0.0549% | 7,290 |
| Net loans and leases to total assets | 83.3006% | 993 |
| Net loans and leases to deposits | 109.0493% | 895 |
| Net loans and leases to core deposits | 115.8819% | 3,131 |
| Total domestic deposits to total assets | 76.3880% | 6,147 |
| Equity capital to assets | 9.3249% | 4,912 |
| Core capital (leverage) ratio | 9.4562% | 4,079 |
| Tier 1 risk-based capital ratio | 9.5217% | 7,282 |
| Total risk-based capital ratio | 10.3156% | 7,713 |
| Memoranda: | ||
| Average total assets | $203,068,400 | 3,101 |
| Average earning assets | $188,423,200 | 3,066 |
| Average equity | $19,034,400 | 3,388 |
| Average total loans | $170,205,200 | 2,614 |