Home > First National Bank North > Performance and Condition Ratios
First National Bank North, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2262% | 1,615 |
| Cost of funding earning assets | 1.1188% | 3,014 |
| Net interest margin | 4.1074% | 1,065 |
| Noninterest income to average assets | 0.6400% | 1,394 |
| Noninterest expense to average assets | 2.2952% | 2,868 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 2.2325% | 324 |
| Return on assets (ROA) | 2.2325% | 313 |
| Pretax return on assets | 2.2341% | 473 |
| Return on Equity (ROE) | 23.8000% | 361 |
| Retained earnings to average equity (ytd only) | 10.6289% | 869 |
| Net charge-offs to loans | 0.0417% | 1,484 |
| Credit loss provision to net charge-offs | 173.6111% | 1,339 |
| Earnings coverage of net charge-offs (x) | 80.6759% | 1,017 |
| Efficiency ratio | 50.1302% | 3,973 |
| Assets per employee ($millions) | 6.6218% | 2,326 |
| Cash dividends to net income (ytd only)* | 55.3319% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6102% | 817 |
| Loan loss allowance to noncurrent loans | 1,224.1713% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 2,360 |
| Noncurrent loans to loans | 0.1315% | 2,854 |
| Net loans and leases to total assets | 69.9000% | 1,820 |
| Net loans and leases to deposits | 81.0497% | 2,025 |
| Net loans and leases to core deposits | 90.4010% | 2,023 |
| Total domestic deposits to total assets | 86.2500% | 1,929 |
| Equity capital to assets | 9.8276% | 2,107 |
| Core capital (leverage) ratio | 10.2867% | 2,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3636% | 1,016 |
| Memoranda: | ||
| Average total assets | $763,215,200 | 1,223 |
| Average earning assets | $732,135,200 | 1,189 |
| Average equity | $71,606,600 | 1,228 |
| Average total loans | $518,584,800 | 1,197 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0426% | 1,748 |
| Cost of funding earning assets | 0.9713% | 3,116 |
| Net interest margin | 4.0713% | 1,116 |
| Noninterest income to average assets | 0.6500% | 1,345 |
| Noninterest expense to average assets | 2.2832% | 2,843 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 2.2062% | 371 |
| Return on assets (ROA) | 2.2062% | 364 |
| Pretax return on assets | 2.2078% | 553 |
| Return on Equity (ROE) | 23.8000% | 448 |
| Retained earnings to average equity (ytd only) | 15.2905% | 524 |
| Net charge-offs to loans | 0.0350% | 1,391 |
| Credit loss provision to net charge-offs | 279.8507% | 925 |
| Earnings coverage of net charge-offs (x) | 96.7537% | 932 |
| Efficiency ratio | 50.1058% | 3,906 |
| Assets per employee ($millions) | 6.7698% | 2,128 |
| Cash dividends to net income (ytd only)* | 35.7603% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6516% | 781 |
| Loan loss allowance to noncurrent loans | 2,353.6842% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0520% | 3,286 |
| Noncurrent loans to loans | 0.0702% | 3,254 |
| Net loans and leases to total assets | 67.8200% | 2,064 |
| Net loans and leases to deposits | 77.9488% | 2,248 |
| Net loans and leases to core deposits | 85.3110% | 2,229 |
| Total domestic deposits to total assets | 87.0100% | 1,894 |
| Equity capital to assets | 9.3711% | 2,187 |
| Core capital (leverage) ratio | 10.4412% | 2,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8105% | 972 |
| Memoranda: | ||
| Average total assets | $760,330,000 | 1,226 |
| Average earning assets | $729,176,500 | 1,191 |
| Average equity | $70,473,250 | 1,240 |
| Average total loans | $510,622,750 | 1,205 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8255% | 1,936 |
| Cost of funding earning assets | 0.8302% | 3,129 |
| Net interest margin | 3.9954% | 1,251 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 2.2627% | 2,908 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 2.0867% | 413 |
| Return on assets (ROA) | 2.0867% | 407 |
| Pretax return on assets | 2.0883% | 639 |
| Return on Equity (ROE) | 22.6000% | 506 |
| Retained earnings to average equity (ytd only) | 14.7622% | 590 |
| Net charge-offs to loans | 0.0324% | 1,246 |
| Credit loss provision to net charge-offs | 462.9630% | 678 |
| Earnings coverage of net charge-offs (x) | 101.5679% | 928 |
| Efficiency ratio | 50.8396% | 3,858 |
| Assets per employee ($millions) | 6.7336% | 2,116 |
| Cash dividends to net income (ytd only)* | 34.6801% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7082% | 738 |
| Loan loss allowance to noncurrent loans | 2,548.7252% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 3,182 |
| Noncurrent loans to loans | 0.0670% | 3,220 |
| Net loans and leases to total assets | 68.6400% | 1,891 |
| Net loans and leases to deposits | 79.0780% | 2,039 |
| Net loans and leases to core deposits | 85.6777% | 2,094 |
| Total domestic deposits to total assets | 86.8100% | 1,985 |
| Equity capital to assets | 9.4770% | 2,172 |
| Core capital (leverage) ratio | 10.3809% | 2,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3834% | 1,052 |
| Memoranda: | ||
| Average total assets | $752,008,667 | 1,235 |
| Average earning assets | $720,085,333 | 1,199 |
| Average equity | $69,434,000 | 1,247 |
| Average total loans | $500,317,333 | 1,214 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5860% | 2,120 |
| Cost of funding earning assets | 0.6198% | 3,323 |
| Net interest margin | 3.9662% | 1,335 |
| Noninterest income to average assets | 0.6200% | 1,354 |
| Noninterest expense to average assets | 2.2356% | 2,998 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 2.0604% | 453 |
| Return on assets (ROA) | 2.0604% | 449 |
| Pretax return on assets | 2.0604% | 699 |
| Return on Equity (ROE) | 22.6100% | 540 |
| Retained earnings to average equity (ytd only) | 22.6149% | 265 |
| Net charge-offs to loans | 0.0099% | 1,570 |
| Credit loss provision to net charge-offs | 1,875.0000% | 209 |
| Earnings coverage of net charge-offs (x) | 341.0833% | 330 |
| Efficiency ratio | 50.6273% | 3,885 |
| Assets per employee ($millions) | 6.5672% | 2,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7935% | 670 |
| Loan loss allowance to noncurrent loans | 1,815.8859% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.0987% | 2,843 |
| Noncurrent loans to loans | 0.0988% | 3,050 |
| Net loans and leases to total assets | 65.2100% | 2,135 |
| Net loans and leases to deposits | 75.0527% | 2,205 |
| Net loans and leases to core deposits | 81.2425% | 2,165 |
| Total domestic deposits to total assets | 86.8900% | 2,308 |
| Equity capital to assets | 9.4929% | 2,150 |
| Core capital (leverage) ratio | 10.3754% | 2,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0051% | 990 |
| Memoranda: | ||
| Average total assets | $750,931,000 | 1,254 |
| Average earning assets | $718,969,000 | 1,214 |
| Average equity | $68,415,000 | 1,269 |
| Average total loans | $487,134,000 | 1,256 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8559% | 2,112 |
| Cost of funding earning assets | 0.3480% | 2,492 |
| Net interest margin | 3.5079% | 1,906 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 2.0470% | 3,453 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.8214% | 420 |
| Return on assets (ROA) | 1.8214% | 400 |
| Pretax return on assets | 1.8229% | 699 |
| Return on Equity (ROE) | 21.2800% | 376 |
| Retained earnings to average equity (ytd only) | 9.7294% | 1,232 |
| Net charge-offs to loans | 0.0281% | 1,500 |
| Credit loss provision to net charge-offs | 894.3089% | 467 |
| Earnings coverage of net charge-offs (x) | 123.1870% | 876 |
| Efficiency ratio | 51.0151% | 4,064 |
| Assets per employee ($millions) | 6.8473% | 2,084 |
| Cash dividends to net income (ytd only)* | 54.2696% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8240% | 628 |
| Loan loss allowance to noncurrent loans | 2,005.2995% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 2,030 |
| Noncurrent loans to loans | 0.0910% | 3,107 |
| Net loans and leases to total assets | 62.1900% | 2,413 |
| Net loans and leases to deposits | 68.5274% | 2,698 |
| Net loans and leases to core deposits | 73.6458% | 2,593 |
| Total domestic deposits to total assets | 90.7500% | 1,038 |
| Equity capital to assets | 8.7308% | 2,543 |
| Core capital (leverage) ratio | 9.3686% | 3,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6401% | 1,031 |
| Memoranda: | ||
| Average total assets | $770,872,200 | 1,218 |
| Average earning assets | $740,421,200 | 1,179 |
| Average equity | $65,996,000 | 1,309 |
| Average total loans | $438,471,800 | 1,296 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6010% | 2,345 |
| Cost of funding earning assets | 0.3110% | 2,048 |
| Net interest margin | 3.2900% | 2,326 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 1.9983% | 3,492 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.7192% | 505 |
| Return on assets (ROA) | 1.7192% | 495 |
| Pretax return on assets | 1.7206% | 867 |
| Return on Equity (ROE) | 20.1800% | 421 |
| Retained earnings to average equity (ytd only) | 12.8718% | 636 |
| Net charge-offs to loans | 0.0302% | 1,232 |
| Credit loss provision to net charge-offs | 695.8763% | 518 |
| Earnings coverage of net charge-offs (x) | 110.1031% | 894 |
| Efficiency ratio | 52.1076% | 3,997 |
| Assets per employee ($millions) | 6.8564% | 2,055 |
| Cash dividends to net income (ytd only)* | 36.2109% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8162% | 710 |
| Loan loss allowance to noncurrent loans | 1,409.8472% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 3,145 |
| Noncurrent loans to loans | 0.1288% | 2,989 |
| Net loans and leases to total assets | 56.9300% | 2,809 |
| Net loans and leases to deposits | 62.4018% | 2,993 |
| Net loans and leases to core deposits | 67.0328% | 2,876 |
| Total domestic deposits to total assets | 91.2400% | 1,141 |
| Equity capital to assets | 8.1331% | 2,812 |
| Core capital (leverage) ratio | 9.1812% | 3,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2760% | 951 |
| Memoranda: | ||
| Average total assets | $775,289,250 | 1,216 |
| Average earning assets | $745,552,500 | 1,179 |
| Average equity | $66,054,750 | 1,317 |
| Average total loans | $428,806,250 | 1,309 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4098% | 2,402 |
| Cost of funding earning assets | 0.3046% | 1,681 |
| Net interest margin | 3.1052% | 2,519 |
| Noninterest income to average assets | 0.6831% | 1,418 |
| Noninterest expense to average assets | 1.9907% | 3,451 |
| Loan and lease loss provision to assets | 0.1167% | 861 |
| Net operating income to assets | 1.5626% | 604 |
| Return on assets (ROA) | 1.5626% | 588 |
| Pretax return on assets | 1.5639% | 1,023 |
| Return on Equity (ROE) | 18.0608% | 465 |
| Retained earnings to average equity (ytd only) | 11.9226% | 615 |
| Net charge-offs to loans | 0.0057% | 1,795 |
| Credit loss provision to net charge-offs | 3,750.0000% | 142 |
| Earnings coverage of net charge-offs (x) | 539.8333% | 241 |
| Efficiency ratio | 54.2223% | 3,945 |
| Assets per employee ($millions) | 6.7396% | 2,131 |
| Cash dividends to net income (ytd only)* | 33.9864% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8484% | 744 |
| Loan loss allowance to noncurrent loans | 1,822.3214% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 3,399 |
| Noncurrent loans to loans | 0.1014% | 3,250 |
| Net loans and leases to total assets | 56.4247% | 2,704 |
| Net loans and leases to deposits | 61.9760% | 2,889 |
| Net loans and leases to core deposits | 66.9132% | 2,750 |
| Total domestic deposits to total assets | 91.0428% | 1,214 |
| Equity capital to assets | 8.4962% | 2,766 |
| Core capital (leverage) ratio | 9.1720% | 3,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9350% | 1,000 |
| Memoranda: | ||
| Average total assets | $770,891,333 | 1,222 |
| Average earning assets | $741,864,000 | 1,195 |
| Average equity | $66,697,000 | 1,334 |
| Average total loans | $419,339,000 | 1,331 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2048% | 2,676 |
| Cost of funding earning assets | 0.3074% | 1,582 |
| Net interest margin | 2.8974% | 2,852 |
| Noninterest income to average assets | 0.7490% | 1,172 |
| Noninterest expense to average assets | 1.9736% | 3,498 |
| Loan and lease loss provision to assets | 0.1166% | 717 |
| Net operating income to assets | 1.4515% | 711 |
| Return on assets (ROA) | 1.4515% | 709 |
| Pretax return on assets | 1.4515% | 1,126 |
| Return on Equity (ROE) | 16.6274% | 461 |
| Retained earnings to average equity (ytd only) | 16.6274% | 198 |
| Net charge-offs to loans | 0.0029% | 1,680 |
| Credit loss provision to net charge-offs | 7,500.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 1,009.0000% | 81 |
| Efficiency ratio | 55.7262% | 3,907 |
| Assets per employee ($millions) | 6.7115% | 2,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9200% | 712 |
| Loan loss allowance to noncurrent loans | 1,255.6082% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.0835% | 3,242 |
| Noncurrent loans to loans | 0.1529% | 3,037 |
| Net loans and leases to total assets | 53.5337% | 2,817 |
| Net loans and leases to deposits | 58.8391% | 2,999 |
| Net loans and leases to core deposits | 63.8958% | 2,800 |
| Total domestic deposits to total assets | 90.9833% | 1,043 |
| Equity capital to assets | 8.7303% | 2,948 |
| Core capital (leverage) ratio | 8.9503% | 3,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1319% | 889 |
| Memoranda: | ||
| Average total assets | $772,182,500 | 1,225 |
| Average earning assets | $744,248,500 | 1,197 |
| Average equity | $67,407,000 | 1,366 |
| Average total loans | $408,168,500 | 1,350 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5234% | 2,595 |
| Cost of funding earning assets | 0.3805% | 1,680 |
| Net interest margin | 3.1430% | 2,758 |
| Noninterest income to average assets | 0.6952% | 1,782 |
| Noninterest expense to average assets | 1.9972% | 3,685 |
| Loan and lease loss provision to assets | 0.1220% | 1,008 |
| Net operating income to assets | 1.4344% | 1,169 |
| Return on assets (ROA) | 1.4344% | 1,248 |
| Pretax return on assets | 1.5849% | 1,466 |
| Return on Equity (ROE) | 15.4536% | 851 |
| Retained earnings to average equity (ytd only) | 6.4397% | 2,164 |
| Net charge-offs to loans | 0.0314% | 1,613 |
| Credit loss provision to net charge-offs | 731.7073% | 646 |
| Earnings coverage of net charge-offs (x) | 102.3415% | 871 |
| Efficiency ratio | 53.9171% | 3,938 |
| Assets per employee ($millions) | 7.0807% | 1,876 |
| Cash dividends to net income (ytd only)* | 58.3286% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9200% | 700 |
| Loan loss allowance to noncurrent loans | 1,415.0183% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.0788% | 3,398 |
| Noncurrent loans to loans | 0.1357% | 3,248 |
| Net loans and leases to total assets | 50.2138% | 3,247 |
| Net loans and leases to deposits | 55.2663% | 3,487 |
| Net loans and leases to core deposits | 60.1882% | 3,302 |
| Total domestic deposits to total assets | 90.8580% | 548 |
| Equity capital to assets | 8.7285% | 3,861 |
| Core capital (leverage) ratio | 8.3912% | 4,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $737,439,800 | 1,239 |
| Average earning assets | $705,990,600 | 1,211 |
| Average equity | $68,450,000 | 1,378 |
| Average total loans | $392,074,600 | 1,403 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5707% | 2,636 |
| Cost of funding earning assets | 0.3984% | 1,704 |
| Net interest margin | 3.1723% | 2,821 |
| Noninterest income to average assets | 0.7097% | 1,793 |
| Noninterest expense to average assets | 1.9903% | 3,709 |
| Loan and lease loss provision to assets | 0.1241% | 942 |
| Net operating income to assets | 1.6223% | 978 |
| Return on assets (ROA) | 1.6223% | 1,026 |
| Pretax return on assets | 1.6237% | 1,633 |
| Return on Equity (ROE) | 17.1993% | 740 |
| Retained earnings to average equity (ytd only) | 9.7096% | 1,404 |
| Net charge-offs to loans | 0.0281% | 1,491 |
| Credit loss provision to net charge-offs | 823.1707% | 578 |
| Earnings coverage of net charge-offs (x) | 115.9512% | 793 |
| Efficiency ratio | 53.2432% | 3,899 |
| Assets per employee ($millions) | 6.7072% | 2,090 |
| Cash dividends to net income (ytd only)* | 43.5467% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8826% | 798 |
| Loan loss allowance to noncurrent loans | 3,887.6289% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 3,369 |
| Noncurrent loans to loans | 0.0484% | 3,870 |
| Net loans and leases to total assets | 50.5223% | 3,347 |
| Net loans and leases to deposits | 55.8722% | 3,586 |
| Net loans and leases to core deposits | 61.2041% | 3,386 |
| Total domestic deposits to total assets | 90.4247% | 593 |
| Equity capital to assets | 9.0075% | 3,826 |
| Core capital (leverage) ratio | 8.5925% | 3,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $725,309,000 | 1,271 |
| Average earning assets | $692,391,750 | 1,245 |
| Average equity | $68,411,750 | 1,390 |
| Average total loans | $389,496,250 | 1,437 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6111% | 2,586 |
| Cost of funding earning assets | 0.4260% | 1,691 |
| Net interest margin | 3.1851% | 2,798 |
| Noninterest income to average assets | 0.7102% | 1,770 |
| Noninterest expense to average assets | 2.0236% | 3,623 |
| Loan and lease loss provision to assets | 0.1272% | 985 |
| Net operating income to assets | 1.5901% | 1,068 |
| Return on assets (ROA) | 1.5901% | 1,124 |
| Pretax return on assets | 1.5916% | 1,756 |
| Return on Equity (ROE) | 16.5854% | 840 |
| Retained earnings to average equity (ytd only) | 9.0634% | 1,690 |
| Net charge-offs to loans | 0.0378% | 1,254 |
| Credit loss provision to net charge-offs | 616.4384% | 612 |
| Earnings coverage of net charge-offs (x) | 83.3151% | 823 |
| Efficiency ratio | 54.0739% | 3,793 |
| Assets per employee ($millions) | 6.4094% | 2,229 |
| Cash dividends to net income (ytd only)* | 45.3528% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8809% | 764 |
| Loan loss allowance to noncurrent loans | 3,130.3419% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.1293% | 3,378 |
| Noncurrent loans to loans | 0.0601% | 3,881 |
| Net loans and leases to total assets | 52.2971% | 3,316 |
| Net loans and leases to deposits | 58.0913% | 3,535 |
| Net loans and leases to core deposits | 64.0826% | 3,280 |
| Total domestic deposits to total assets | 90.0257% | 764 |
| Equity capital to assets | 9.3781% | 3,439 |
| Core capital (leverage) ratio | 9.0013% | 3,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $707,733,000 | 1,291 |
| Average earning assets | $673,758,000 | 1,269 |
| Average equity | $67,855,000 | 1,388 |
| Average total loans | $385,787,000 | 1,454 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7075% | 2,339 |
| Cost of funding earning assets | 0.4644% | 1,627 |
| Net interest margin | 3.2432% | 2,567 |
| Noninterest income to average assets | 0.7624% | 1,679 |
| Noninterest expense to average assets | 2.0366% | 3,601 |
| Loan and lease loss provision to assets | 0.1293% | 1,061 |
| Net operating income to assets | 1.6741% | 983 |
| Return on assets (ROA) | 1.6741% | 1,031 |
| Pretax return on assets | 1.6741% | 1,552 |
| Return on Equity (ROE) | 17.2628% | 810 |
| Retained earnings to average equity (ytd only) | 17.2628% | 403 |
| Net charge-offs to loans | 0.0635% | 898 |
| Credit loss provision to net charge-offs | 368.8525% | 686 |
| Earnings coverage of net charge-offs (x) | 51.4590% | 882 |
| Efficiency ratio | 53.0371% | 3,909 |
| Assets per employee ($millions) | 6.1366% | 2,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8564% | 788 |
| Loan loss allowance to noncurrent loans | 1,591.2752% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.1484% | 3,430 |
| Noncurrent loans to loans | 0.1167% | 3,728 |
| Net loans and leases to total assets | 53.2853% | 3,313 |
| Net loans and leases to deposits | 59.4276% | 3,526 |
| Net loans and leases to core deposits | 65.9475% | 3,244 |
| Total domestic deposits to total assets | 89.6642% | 988 |
| Equity capital to assets | 9.7265% | 2,970 |
| Core capital (leverage) ratio | 9.2862% | 3,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $696,265,000 | 1,290 |
| Average earning assets | $660,707,500 | 1,277 |
| Average equity | $67,521,000 | 1,388 |
| Average total loans | $383,958,500 | 1,456 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1855% | 2,178 |
| Cost of funding earning assets | 0.6838% | 1,811 |
| Net interest margin | 3.5017% | 2,474 |
| Noninterest income to average assets | 0.8177% | 1,480 |
| Noninterest expense to average assets | 2.1812% | 3,716 |
| Loan and lease loss provision to assets | 0.2615% | 1,480 |
| Net operating income to assets | 1.7121% | 485 |
| Return on assets (ROA) | 1.7121% | 526 |
| Pretax return on assets | 1.7137% | 836 |
| Return on Equity (ROE) | 16.0232% | 501 |
| Retained earnings to average equity (ytd only) | 1.1642% | 4,162 |
| Net charge-offs to loans | 0.1064% | 1,408 |
| Credit loss provision to net charge-offs | 404.4118% | 1,421 |
| Earnings coverage of net charge-offs (x) | 30.5490% | 1,595 |
| Efficiency ratio | 52.4783% | 4,351 |
| Assets per employee ($millions) | 6.1323% | 2,228 |
| Cash dividends to net income (ytd only)* | 92.7342% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8060% | 842 |
| Loan loss allowance to noncurrent loans | 951.9178% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.1257% | 3,655 |
| Noncurrent loans to loans | 0.1897% | 3,532 |
| Net loans and leases to total assets | 55.0094% | 3,389 |
| Net loans and leases to deposits | 61.2832% | 3,654 |
| Net loans and leases to core deposits | 68.7785% | 3,347 |
| Total domestic deposits to total assets | 89.7627% | 655 |
| Equity capital to assets | 9.6679% | 3,444 |
| Core capital (leverage) ratio | 8.9273% | 3,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $631,038,200 | 1,283 |
| Average earning assets | $601,651,000 | 1,257 |
| Average equity | $67,427,400 | 1,333 |
| Average total loans | $383,386,800 | 1,416 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2300% | 2,307 |
| Cost of funding earning assets | 0.7295% | 1,858 |
| Net interest margin | 3.5005% | 2,586 |
| Noninterest income to average assets | 0.8243% | 1,408 |
| Noninterest expense to average assets | 2.2444% | 3,562 |
| Loan and lease loss provision to assets | 0.2377% | 1,708 |
| Net operating income to assets | 1.6894% | 588 |
| Return on assets (ROA) | 1.6894% | 652 |
| Pretax return on assets | 1.6911% | 984 |
| Return on Equity (ROE) | 15.4026% | 628 |
| Retained earnings to average equity (ytd only) | 8.4272% | 1,162 |
| Net charge-offs to loans | 0.1201% | 1,166 |
| Credit loss provision to net charge-offs | 318.8406% | 1,705 |
| Earnings coverage of net charge-offs (x) | 25.8754% | 1,708 |
| Efficiency ratio | 53.7820% | 4,172 |
| Assets per employee ($millions) | 6.1210% | 2,158 |
| Cash dividends to net income (ytd only)* | 45.2871% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6358% | 1,009 |
| Loan loss allowance to noncurrent loans | 801.7370% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.1626% | 3,606 |
| Noncurrent loans to loans | 0.2040% | 3,568 |
| Net loans and leases to total assets | 56.6819% | 3,551 |
| Net loans and leases to deposits | 63.7077% | 3,812 |
| Net loans and leases to core deposits | 71.6344% | 3,507 |
| Total domestic deposits to total assets | 88.9719% | 779 |
| Equity capital to assets | 10.2260% | 3,037 |
| Core capital (leverage) ratio | 9.6464% | 3,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $617,093,000 | 1,288 |
| Average earning assets | $590,369,750 | 1,254 |
| Average equity | $67,684,000 | 1,317 |
| Average total loans | $383,042,500 | 1,408 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4003% | 2,210 |
| Cost of funding earning assets | 0.7838% | 1,908 |
| Net interest margin | 3.6166% | 2,430 |
| Noninterest income to average assets | 0.8390% | 1,321 |
| Noninterest expense to average assets | 2.3232% | 3,462 |
| Loan and lease loss provision to assets | 0.2188% | 1,907 |
| Net operating income to assets | 1.7490% | 559 |
| Return on assets (ROA) | 1.7490% | 611 |
| Pretax return on assets | 1.7507% | 891 |
| Return on Equity (ROE) | 15.5419% | 628 |
| Retained earnings to average equity (ytd only) | 9.0225% | 1,002 |
| Net charge-offs to loans | 0.1805% | 835 |
| Credit loss provision to net charge-offs | 190.0585% | 1,957 |
| Earnings coverage of net charge-offs (x) | 17.1111% | 1,830 |
| Efficiency ratio | 54.1200% | 4,167 |
| Assets per employee ($millions) | 5.7625% | 2,406 |
| Cash dividends to net income (ytd only)* | 41.9473% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5199% | 1,208 |
| Loan loss allowance to noncurrent loans | 1,301.9481% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.0980% | 4,041 |
| Noncurrent loans to loans | 0.1167% | 3,983 |
| Net loans and leases to total assets | 59.8527% | 3,344 |
| Net loans and leases to deposits | 67.5294% | 3,604 |
| Net loans and leases to core deposits | 76.7894% | 3,222 |
| Total domestic deposits to total assets | 88.6320% | 895 |
| Equity capital to assets | 10.6000% | 2,664 |
| Core capital (leverage) ratio | 10.3145% | 2,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $594,275,000 | 1,305 |
| Average earning assets | $567,500,667 | 1,274 |
| Average equity | $66,877,333 | 1,320 |
| Average total loans | $379,042,333 | 1,399 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6287% | 1,916 |
| Cost of funding earning assets | 0.8414% | 2,161 |
| Net interest margin | 3.7873% | 2,027 |
| Noninterest income to average assets | 0.9381% | 984 |
| Noninterest expense to average assets | 2.4198% | 3,496 |
| Loan and lease loss provision to assets | 0.1414% | 1,972 |
| Net operating income to assets | 1.9886% | 275 |
| Return on assets (ROA) | 1.9886% | 303 |
| Pretax return on assets | 1.9886% | 457 |
| Return on Equity (ROE) | 17.0991% | 327 |
| Retained earnings to average equity (ytd only) | 17.0991% | 107 |
| Net charge-offs to loans | 0.2719% | 537 |
| Credit loss provision to net charge-offs | 79.3651% | 1,940 |
| Earnings coverage of net charge-offs (x) | 11.9563% | 1,713 |
| Efficiency ratio | 53.1852% | 4,454 |
| Assets per employee ($millions) | 4.9720% | 2,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5331% | 1,237 |
| Loan loss allowance to noncurrent loans | 696.4286% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.1937% | 3,715 |
| Noncurrent loans to loans | 0.2201% | 3,695 |
| Net loans and leases to total assets | 64.0795% | 3,056 |
| Net loans and leases to deposits | 73.2732% | 3,337 |
| Net loans and leases to core deposits | 83.3866% | 2,899 |
| Total domestic deposits to total assets | 87.4529% | 1,356 |
| Equity capital to assets | 12.0533% | 2,029 |
| Core capital (leverage) ratio | 11.3245% | 2,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $565,833,000 | 1,320 |
| Average earning assets | $539,586,500 | 1,291 |
| Average equity | $65,804,500 | 1,332 |
| Average total loans | $370,688,000 | 1,384 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7991% | 2,042 |
| Cost of funding earning assets | 0.8053% | 2,657 |
| Net interest margin | 3.9938% | 1,875 |
| Noninterest income to average assets | 0.8807% | 1,219 |
| Noninterest expense to average assets | 2.5092% | 3,425 |
| Loan and lease loss provision to assets | 0.1496% | 1,427 |
| Net operating income to assets | 2.0412% | 314 |
| Return on assets (ROA) | 2.0412% | 334 |
| Pretax return on assets | 2.0430% | 543 |
| Return on Equity (ROE) | 18.3096% | 318 |
| Retained earnings to average equity (ytd only) | 6.2913% | 1,724 |
| Net charge-offs to loans | 0.0443% | 2,501 |
| Credit loss provision to net charge-offs | 512.4224% | 572 |
| Earnings coverage of net charge-offs (x) | 75.1056% | 836 |
| Efficiency ratio | 52.5877% | 4,561 |
| Assets per employee ($millions) | 4.9549% | 2,655 |
| Cash dividends to net income (ytd only)* | 65.6392% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5320% | 1,135 |
| Loan loss allowance to noncurrent loans | 1,246.0699% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 3,976 |
| Noncurrent loans to loans | 0.1229% | 4,033 |
| Net loans and leases to total assets | 64.9377% | 3,077 |
| Net loans and leases to deposits | 73.4721% | 3,397 |
| Net loans and leases to core deposits | 82.5690% | 3,079 |
| Total domestic deposits to total assets | 88.3842% | 948 |
| Equity capital to assets | 11.2046% | 2,813 |
| Core capital (leverage) ratio | 10.6449% | 2,816 |
| Tier 1 risk-based capital ratio | 16.8621% | 2,098 |
| Total risk-based capital ratio | 18.1165% | 2,041 |
| Memoranda: | ||
| Average total assets | $551,492,600 | 1,298 |
| Average earning assets | $527,645,200 | 1,269 |
| Average equity | $61,481,400 | 1,363 |
| Average total loans | $363,759,400 | 1,372 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8012% | 2,116 |
| Cost of funding earning assets | 0.7905% | 2,762 |
| Net interest margin | 4.0107% | 1,900 |
| Noninterest income to average assets | 0.8754% | 1,206 |
| Noninterest expense to average assets | 2.5034% | 3,428 |
| Loan and lease loss provision to assets | 0.1095% | 1,776 |
| Net operating income to assets | 2.0962% | 321 |
| Return on assets (ROA) | 2.0962% | 333 |
| Pretax return on assets | 2.0982% | 552 |
| Return on Equity (ROE) | 18.8277% | 326 |
| Retained earnings to average equity (ytd only) | 9.8224% | 798 |
| Net charge-offs to loans | 0.0417% | 2,264 |
| Credit loss provision to net charge-offs | 398.2301% | 759 |
| Earnings coverage of net charge-offs (x) | 80.3201% | 858 |
| Efficiency ratio | 52.0962% | 4,588 |
| Assets per employee ($millions) | 4.6694% | 2,950 |
| Cash dividends to net income (ytd only)* | 47.8301% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4454% | 1,409 |
| Loan loss allowance to noncurrent loans | 1,005.6075% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.1258% | 4,099 |
| Noncurrent loans to loans | 0.1437% | 4,024 |
| Net loans and leases to total assets | 64.9255% | 3,191 |
| Net loans and leases to deposits | 73.7457% | 3,498 |
| Net loans and leases to core deposits | 82.3804% | 3,221 |
| Total domestic deposits to total assets | 88.0397% | 1,020 |
| Equity capital to assets | 11.3166% | 2,825 |
| Core capital (leverage) ratio | 10.9034% | 2,735 |
| Tier 1 risk-based capital ratio | 17.0688% | 2,059 |
| Total risk-based capital ratio | 18.3219% | 2,014 |
| Memoranda: | ||
| Average total assets | $548,151,250 | 1,315 |
| Average earning assets | $524,215,750 | 1,285 |
| Average equity | $61,029,250 | 1,369 |
| Average total loans | $361,571,000 | 1,388 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7816% | 2,120 |
| Cost of funding earning assets | 0.7744% | 2,780 |
| Net interest margin | 4.0071% | 1,899 |
| Noninterest income to average assets | 0.8442% | 1,222 |
| Noninterest expense to average assets | 2.5462% | 3,340 |
| Loan and lease loss provision to assets | 0.1106% | 1,690 |
| Net operating income to assets | 2.0120% | 377 |
| Return on assets (ROA) | 2.0120% | 401 |
| Pretax return on assets | 2.0139% | 663 |
| Return on Equity (ROE) | 18.1753% | 373 |
| Retained earnings to average equity (ytd only) | 10.0633% | 737 |
| Net charge-offs to loans | 0.0559% | 1,843 |
| Credit loss provision to net charge-offs | 300.0000% | 895 |
| Earnings coverage of net charge-offs (x) | 57.6300% | 1,005 |
| Efficiency ratio | 52.9203% | 4,571 |
| Assets per employee ($millions) | 4.4735% | 3,184 |
| Cash dividends to net income (ytd only)* | 44.6317% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4286% | 1,498 |
| Loan loss allowance to noncurrent loans | 932.9181% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 4,062 |
| Noncurrent loans to loans | 0.1531% | 3,998 |
| Net loans and leases to total assets | 66.2847% | 3,067 |
| Net loans and leases to deposits | 75.2468% | 3,399 |
| Net loans and leases to core deposits | 83.9478% | 3,111 |
| Total domestic deposits to total assets | 88.0897% | 1,062 |
| Equity capital to assets | 11.3941% | 2,705 |
| Core capital (leverage) ratio | 11.0198% | 2,579 |
| Tier 1 risk-based capital ratio | 16.7889% | 2,145 |
| Total risk-based capital ratio | 18.0417% | 2,088 |
| Memoranda: | ||
| Average total assets | $542,536,670 | 1,325 |
| Average earning assets | $518,074,670 | 1,293 |
| Average equity | $60,059,670 | 1,376 |
| Average total loans | $358,026,000 | 1,406 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7163% | 2,170 |
| Cost of funding earning assets | 0.7353% | 2,859 |
| Net interest margin | 3.9810% | 1,907 |
| Noninterest income to average assets | 0.8741% | 1,103 |
| Noninterest expense to average assets | 2.5253% | 3,427 |
| Loan and lease loss provision to assets | 0.1109% | 1,601 |
| Net operating income to assets | 2.0373% | 361 |
| Return on assets (ROA) | 2.0373% | 378 |
| Pretax return on assets | 2.0373% | 599 |
| Return on Equity (ROE) | 18.6791% | 345 |
| Retained earnings to average equity (ytd only) | 18.6791% | 125 |
| Net charge-offs to loans | 0.1154% | 1,045 |
| Credit loss provision to net charge-offs | 147.0588% | 1,261 |
| Earnings coverage of net charge-offs (x) | 28.4804% | 1,359 |
| Efficiency ratio | 52.1203% | 4,692 |
| Assets per employee ($millions) | 4.5985% | 3,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4387% | 1,541 |
| Loan loss allowance to noncurrent loans | 953.3708% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.1640% | 3,994 |
| Noncurrent loans to loans | 0.1509% | 4,059 |
| Net loans and leases to total assets | 64.2742% | 3,251 |
| Net loans and leases to deposits | 72.7701% | 3,548 |
| Net loans and leases to core deposits | 79.9784% | 3,376 |
| Total domestic deposits to total assets | 88.3250% | 1,169 |
| Equity capital to assets | 11.2165% | 2,633 |
| Core capital (leverage) ratio | 11.1047% | 2,470 |
| Tier 1 risk-based capital ratio | 17.4527% | 1,952 |
| Total risk-based capital ratio | 18.7060% | 1,897 |
| Memoranda: | ||
| Average total assets | $540,918,500 | 1,337 |
| Average earning assets | $516,247,000 | 1,304 |
| Average equity | $58,996,500 | 1,391 |
| Average total loans | $353,535,500 | 1,426 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6962% | 1,834 |
| Cost of funding earning assets | 0.6144% | 2,621 |
| Net interest margin | 4.0818% | 1,746 |
| Noninterest income to average assets | 0.8504% | 1,310 |
| Noninterest expense to average assets | 2.6100% | 3,310 |
| Loan and lease loss provision to assets | 0.1337% | 1,621 |
| Net operating income to assets | 1.9874% | 372 |
| Return on assets (ROA) | 1.9874% | 367 |
| Pretax return on assets | 1.9893% | 574 |
| Return on Equity (ROE) | 18.8513% | 316 |
| Retained earnings to average equity (ytd only) | 7.3412% | 1,521 |
| Net charge-offs to loans | 0.0856% | 1,923 |
| Credit loss provision to net charge-offs | 234.2193% | 1,263 |
| Earnings coverage of net charge-offs (x) | 37.1827% | 1,390 |
| Efficiency ratio | 53.1963% | 4,696 |
| Assets per employee ($millions) | 4.4563% | 3,232 |
| Cash dividends to net income (ytd only)* | 61.0576% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4277% | 1,529 |
| Loan loss allowance to noncurrent loans | 1,355.6452% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.1237% | 4,205 |
| Noncurrent loans to loans | 0.1053% | 4,263 |
| Net loans and leases to total assets | 64.5700% | 3,289 |
| Net loans and leases to deposits | 72.5988% | 3,615 |
| Net loans and leases to core deposits | 79.3112% | 3,476 |
| Total domestic deposits to total assets | 88.9408% | 887 |
| Equity capital to assets | 10.5950% | 3,086 |
| Core capital (leverage) ratio | 10.3893% | 3,153 |
| Tier 1 risk-based capital ratio | 16.7040% | 2,169 |
| Total risk-based capital ratio | 17.9571% | 2,116 |
| Memoranda: | ||
| Average total assets | $527,159,200 | 1,336 |
| Average earning assets | $501,446,400 | 1,309 |
| Average equity | $55,577,000 | 1,404 |
| Average total loans | $351,823,000 | 1,396 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6521% | 1,827 |
| Cost of funding earning assets | 0.5807% | 2,627 |
| Net interest margin | 4.0714% | 1,717 |
| Noninterest income to average assets | 0.8743% | 1,271 |
| Noninterest expense to average assets | 2.5880% | 3,322 |
| Loan and lease loss provision to assets | 0.1145% | 1,770 |
| Net operating income to assets | 2.0454% | 341 |
| Return on assets (ROA) | 2.0454% | 341 |
| Pretax return on assets | 2.0472% | 555 |
| Return on Equity (ROE) | 19.4262% | 304 |
| Retained earnings to average equity (ytd only) | 10.8159% | 693 |
| Net charge-offs to loans | 0.0797% | 1,724 |
| Credit loss provision to net charge-offs | 214.2857% | 1,312 |
| Earnings coverage of net charge-offs (x) | 40.4671% | 1,346 |
| Efficiency ratio | 52.5386% | 4,754 |
| Assets per employee ($millions) | 4.6173% | 2,961 |
| Cash dividends to net income (ytd only)* | 44.3228% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3645% | 1,832 |
| Loan loss allowance to noncurrent loans | 895.2294% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.1279% | 4,324 |
| Noncurrent loans to loans | 0.1524% | 4,202 |
| Net loans and leases to total assets | 64.7347% | 3,342 |
| Net loans and leases to deposits | 72.8365% | 3,694 |
| Net loans and leases to core deposits | 79.3767% | 3,544 |
| Total domestic deposits to total assets | 88.8767% | 885 |
| Equity capital to assets | 10.4475% | 3,192 |
| Core capital (leverage) ratio | 10.4527% | 3,128 |
| Tier 1 risk-based capital ratio | 16.6219% | 2,233 |
| Total risk-based capital ratio | 17.8743% | 2,179 |
| Memoranda: | ||
| Average total assets | $524,144,500 | 1,343 |
| Average earning assets | $498,913,500 | 1,315 |
| Average equity | $55,188,750 | 1,418 |
| Average total loans | $351,474,750 | 1,395 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6220% | 1,717 |
| Cost of funding earning assets | 0.5412% | 2,680 |
| Net interest margin | 4.0808% | 1,614 |
| Noninterest income to average assets | 0.8584% | 1,292 |
| Noninterest expense to average assets | 2.5895% | 3,358 |
| Loan and lease loss provision to assets | 0.1160% | 1,713 |
| Net operating income to assets | 2.0288% | 359 |
| Return on assets (ROA) | 2.0288% | 357 |
| Pretax return on assets | 2.0308% | 568 |
| Return on Equity (ROE) | 19.2159% | 316 |
| Retained earnings to average equity (ytd only) | 10.6902% | 736 |
| Net charge-offs to loans | 0.0664% | 1,676 |
| Credit loss provision to net charge-offs | 258.6207% | 1,113 |
| Earnings coverage of net charge-offs (x) | 47.8621% | 1,155 |
| Efficiency ratio | 52.6900% | 4,815 |
| Assets per employee ($millions) | 4.4132% | 3,260 |
| Cash dividends to net income (ytd only)* | 44.3682% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3408% | 1,989 |
| Loan loss allowance to noncurrent loans | 1,023.9915% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.1278% | 4,364 |
| Noncurrent loans to loans | 0.1309% | 4,320 |
| Net loans and leases to total assets | 67.5732% | 2,934 |
| Net loans and leases to deposits | 76.0147% | 3,330 |
| Net loans and leases to core deposits | 82.3627% | 3,211 |
| Total domestic deposits to total assets | 88.8949% | 976 |
| Equity capital to assets | 10.5630% | 3,059 |
| Core capital (leverage) ratio | 10.6994% | 2,807 |
| Tier 1 risk-based capital ratio | 15.8999% | 2,472 |
| Total risk-based capital ratio | 17.1517% | 2,414 |
| Memoranda: | ||
| Average total assets | $517,246,330 | 1,367 |
| Average earning assets | $491,520,670 | 1,334 |
| Average equity | $54,611,000 | 1,429 |
| Average total loans | $349,440,000 | 1,407 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5412% | 1,743 |
| Cost of funding earning assets | 0.5149% | 2,681 |
| Net interest margin | 4.0263% | 1,632 |
| Noninterest income to average assets | 0.8487% | 1,305 |
| Noninterest expense to average assets | 2.5654% | 3,437 |
| Loan and lease loss provision to assets | 0.1169% | 1,616 |
| Net operating income to assets | 1.9872% | 385 |
| Return on assets (ROA) | 1.9872% | 384 |
| Pretax return on assets | 1.9872% | 583 |
| Return on Equity (ROE) | 18.8263% | 330 |
| Retained earnings to average equity (ytd only) | 18.8263% | 128 |
| Net charge-offs to loans | 0.0383% | 1,760 |
| Credit loss provision to net charge-offs | 454.5455% | 634 |
| Earnings coverage of net charge-offs (x) | 81.8182% | 695 |
| Efficiency ratio | 52.9206% | 4,892 |
| Assets per employee ($millions) | 4.3260% | 3,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3707% | 1,951 |
| Loan loss allowance to noncurrent loans | 807.4703% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.1434% | 4,371 |
| Noncurrent loans to loans | 0.1698% | 4,218 |
| Net loans and leases to total assets | 67.0383% | 2,886 |
| Net loans and leases to deposits | 75.5884% | 3,260 |
| Net loans and leases to core deposits | 81.4409% | 3,195 |
| Total domestic deposits to total assets | 88.6886% | 1,262 |
| Equity capital to assets | 10.8107% | 2,762 |
| Core capital (leverage) ratio | 10.6741% | 2,764 |
| Tier 1 risk-based capital ratio | 16.2858% | 2,363 |
| Total risk-based capital ratio | 17.5385% | 2,308 |
| Memoranda: | ||
| Average total assets | $513,283,000 | 1,387 |
| Average earning assets | $487,092,500 | 1,362 |
| Average equity | $54,179,500 | 1,445 |
| Average total loans | $344,310,500 | 1,427 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4839% | 1,768 |
| Cost of funding earning assets | 0.4795% | 2,508 |
| Net interest margin | 4.0044% | 1,740 |
| Noninterest income to average assets | 0.7882% | 1,614 |
| Noninterest expense to average assets | 2.5969% | 3,457 |
| Loan and lease loss provision to assets | 0.1360% | 1,685 |
| Net operating income to assets | 1.8575% | 367 |
| Return on assets (ROA) | 1.8575% | 372 |
| Pretax return on assets | 1.8594% | 664 |
| Return on Equity (ROE) | 18.1027% | 296 |
| Retained earnings to average equity (ytd only) | 5.6146% | 1,760 |
| Net charge-offs to loans | 0.0649% | 2,543 |
| Credit loss provision to net charge-offs | 322.5806% | 892 |
| Earnings coverage of net charge-offs (x) | 47.3410% | 1,130 |
| Efficiency ratio | 54.4939% | 4,909 |
| Assets per employee ($millions) | 4.4878% | 3,202 |
| Cash dividends to net income (ytd only)* | 68.9846% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3578% | 1,940 |
| Loan loss allowance to noncurrent loans | 440.9696% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.2474% | 3,902 |
| Noncurrent loans to loans | 0.3079% | 3,677 |
| Net loans and leases to total assets | 65.3010% | 3,181 |
| Net loans and leases to deposits | 73.1817% | 3,580 |
| Net loans and leases to core deposits | 78.4410% | 3,552 |
| Total domestic deposits to total assets | 89.2313% | 898 |
| Equity capital to assets | 10.3031% | 3,384 |
| Core capital (leverage) ratio | 9.9598% | 3,508 |
| Tier 1 risk-based capital ratio | 15.6632% | 2,561 |
| Total risk-based capital ratio | 16.7907% | 2,548 |
| Memoranda: | ||
| Average total assets | $514,841,000 | 1,358 |
| Average earning assets | $489,086,200 | 1,333 |
| Average equity | $52,826,400 | 1,457 |
| Average total loans | $334,107,600 | 1,435 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4458% | 1,804 |
| Cost of funding earning assets | 0.4726% | 2,493 |
| Net interest margin | 3.9732% | 1,793 |
| Noninterest income to average assets | 0.8046% | 1,570 |
| Noninterest expense to average assets | 2.5874% | 3,447 |
| Loan and lease loss provision to assets | 0.1166% | 1,857 |
| Net operating income to assets | 1.8740% | 410 |
| Return on assets (ROA) | 1.8740% | 415 |
| Pretax return on assets | 1.8759% | 731 |
| Return on Equity (ROE) | 18.2831% | 311 |
| Retained earnings to average equity (ytd only) | 9.7382% | 641 |
| Net charge-offs to loans | 0.0385% | 2,665 |
| Credit loss provision to net charge-offs | 468.7500% | 683 |
| Earnings coverage of net charge-offs (x) | 80.0917% | 812 |
| Efficiency ratio | 54.4359% | 4,904 |
| Assets per employee ($millions) | 4.4858% | 3,175 |
| Cash dividends to net income (ytd only)* | 46.7367% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3118% | 2,302 |
| Loan loss allowance to noncurrent loans | 769.6246% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.1967% | 4,311 |
| Noncurrent loans to loans | 0.1704% | 4,382 |
| Net loans and leases to total assets | 64.0989% | 3,383 |
| Net loans and leases to deposits | 72.0730% | 3,765 |
| Net loans and leases to core deposits | 77.3284% | 3,694 |
| Total domestic deposits to total assets | 88.9361% | 917 |
| Equity capital to assets | 10.3768% | 3,508 |
| Core capital (leverage) ratio | 10.0999% | 3,443 |
| Tier 1 risk-based capital ratio | 16.0345% | 2,486 |
| Total risk-based capital ratio | 17.2846% | 2,427 |
| Memoranda: | ||
| Average total assets | $514,526,750 | 1,372 |
| Average earning assets | $488,900,000 | 1,340 |
| Average equity | $52,739,500 | 1,473 |
| Average total loans | $332,220,500 | 1,443 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3953% | 1,830 |
| Cost of funding earning assets | 0.4690% | 2,417 |
| Net interest margin | 3.9262% | 1,848 |
| Noninterest income to average assets | 0.7677% | 1,696 |
| Noninterest expense to average assets | 2.6087% | 3,407 |
| Loan and lease loss provision to assets | 0.1177% | 1,745 |
| Net operating income to assets | 1.7681% | 482 |
| Return on assets (ROA) | 1.7681% | 492 |
| Pretax return on assets | 1.7700% | 898 |
| Return on Equity (ROE) | 17.3235% | 383 |
| Retained earnings to average equity (ytd only) | 8.7598% | 913 |
| Net charge-offs to loans | 0.0487% | 2,245 |
| Credit loss provision to net charge-offs | 375.0000% | 825 |
| Earnings coverage of net charge-offs (x) | 60.1250% | 948 |
| Efficiency ratio | 55.8960% | 4,838 |
| Assets per employee ($millions) | 4.3289% | 3,380 |
| Cash dividends to net income (ytd only)* | 49.4340% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3014% | 2,406 |
| Loan loss allowance to noncurrent loans | 695.7075% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.2674% | 4,057 |
| Noncurrent loans to loans | 0.1871% | 4,369 |
| Net loans and leases to total assets | 64.9709% | 3,257 |
| Net loans and leases to deposits | 73.0058% | 3,649 |
| Net loans and leases to core deposits | 78.0814% | 3,590 |
| Total domestic deposits to total assets | 88.9943% | 958 |
| Equity capital to assets | 10.4437% | 3,411 |
| Core capital (leverage) ratio | 10.2246% | 3,239 |
| Tier 1 risk-based capital ratio | 15.8704% | 2,554 |
| Total risk-based capital ratio | 17.1220% | 2,497 |
| Memoranda: | ||
| Average total assets | $509,593,330 | 1,391 |
| Average earning assets | $483,974,000 | 1,360 |
| Average equity | $52,010,330 | 1,494 |
| Average total loans | $328,359,670 | 1,461 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3135% | 1,918 |
| Cost of funding earning assets | 0.4724% | 2,334 |
| Net interest margin | 3.8411% | 1,981 |
| Noninterest income to average assets | 0.7482% | 1,753 |
| Noninterest expense to average assets | 2.6154% | 3,433 |
| Loan and lease loss provision to assets | 0.1179% | 1,617 |
| Net operating income to assets | 1.6574% | 599 |
| Return on assets (ROA) | 1.6574% | 611 |
| Pretax return on assets | 1.6574% | 1,102 |
| Return on Equity (ROE) | 16.4312% | 471 |
| Retained earnings to average equity (ytd only) | 16.4312% | 186 |
| Net charge-offs to loans | 0.0432% | 1,971 |
| Credit loss provision to net charge-offs | 428.5714% | 624 |
| Earnings coverage of net charge-offs (x) | 64.5429% | 765 |
| Efficiency ratio | 57.4011% | 4,790 |
| Assets per employee ($millions) | 4.3303% | 3,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3021% | 2,524 |
| Loan loss allowance to noncurrent loans | 855.7114% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.3643% | 3,741 |
| Noncurrent loans to loans | 0.1522% | 4,579 |
| Net loans and leases to total assets | 64.4372% | 3,211 |
| Net loans and leases to deposits | 72.4464% | 3,566 |
| Net loans and leases to core deposits | 77.3564% | 3,525 |
| Total domestic deposits to total assets | 88.9447% | 1,167 |
| Equity capital to assets | 10.4854% | 3,200 |
| Core capital (leverage) ratio | 10.1578% | 3,303 |
| Tier 1 risk-based capital ratio | 16.0058% | 2,546 |
| Total risk-based capital ratio | 17.2569% | 2,501 |
| Memoranda: | ||
| Average total assets | $508,982,000 | 1,396 |
| Average earning assets | $482,669,000 | 1,365 |
| Average equity | $51,341,500 | 1,505 |
| Average total loans | $324,410,500 | 1,488 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3098% | 2,109 |
| Cost of funding earning assets | 0.4982% | 2,105 |
| Net interest margin | 3.8116% | 2,273 |
| Noninterest income to average assets | 0.8633% | 1,525 |
| Noninterest expense to average assets | 2.6149% | 3,631 |
| Loan and lease loss provision to assets | 0.1590% | 1,558 |
| Net operating income to assets | 1.6919% | 554 |
| Return on assets (ROA) | 1.6919% | 579 |
| Pretax return on assets | 1.6939% | 1,015 |
| Return on Equity (ROE) | 16.2764% | 482 |
| Retained earnings to average equity (ytd only) | -7.9270% | 5,751 |
| Net charge-offs to loans | 0.2071% | 1,346 |
| Credit loss provision to net charge-offs | 120.6637% | 2,199 |
| Earnings coverage of net charge-offs (x) | 14.0649% | 2,318 |
| Efficiency ratio | 56.3665% | 5,031 |
| Assets per employee ($millions) | 4.3700% | 3,330 |
| Cash dividends to net income (ytd only)* | 148.7023% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 2,570 |
| Loan loss allowance to noncurrent loans | 394.3074% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.4472% | 3,474 |
| Noncurrent loans to loans | 0.3285% | 3,965 |
| Net loans and leases to total assets | 61.4211% | 3,667 |
| Net loans and leases to deposits | 68.7081% | 4,030 |
| Net loans and leases to core deposits | 73.2389% | 3,985 |
| Total domestic deposits to total assets | 89.3943% | 903 |
| Equity capital to assets | 9.6991% | 4,072 |
| Core capital (leverage) ratio | 9.4546% | 4,146 |
| Tier 1 risk-based capital ratio | 15.5782% | 2,712 |
| Total risk-based capital ratio | 16.8295% | 2,645 |
| Memoranda: | ||
| Average total assets | $503,273,000 | 1,364 |
| Average earning assets | $475,913,800 | 1,331 |
| Average equity | $52,315,000 | 1,468 |
| Average total loans | $320,062,000 | 1,449 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3362% | 2,050 |
| Cost of funding earning assets | 0.5042% | 2,067 |
| Net interest margin | 3.8320% | 2,220 |
| Noninterest income to average assets | 0.8890% | 1,446 |
| Noninterest expense to average assets | 2.6185% | 3,599 |
| Loan and lease loss provision to assets | 0.1200% | 1,932 |
| Net operating income to assets | 1.7692% | 516 |
| Return on assets (ROA) | 1.7692% | 545 |
| Pretax return on assets | 1.7711% | 950 |
| Return on Equity (ROE) | 16.7311% | 469 |
| Retained earnings to average equity (ytd only) | -7.5400% | 5,807 |
| Net charge-offs to loans | 0.2143% | 1,084 |
| Credit loss provision to net charge-offs | 87.5486% | 2,569 |
| Earnings coverage of net charge-offs (x) | 13.8015% | 2,281 |
| Efficiency ratio | 55.9142% | 5,073 |
| Assets per employee ($millions) | 4.1467% | 3,693 |
| Cash dividends to net income (ytd only)* | 145.0655% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 2,974 |
| Loan loss allowance to noncurrent loans | 184.8995% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.8334% | 2,460 |
| Noncurrent loans to loans | 0.6746% | 3,001 |
| Net loans and leases to total assets | 60.4127% | 3,828 |
| Net loans and leases to deposits | 68.3262% | 4,120 |
| Net loans and leases to core deposits | 71.3747% | 4,217 |
| Total domestic deposits to total assets | 88.4181% | 1,182 |
| Equity capital to assets | 10.2042% | 3,910 |
| Core capital (leverage) ratio | 9.7618% | 3,858 |
| Tier 1 risk-based capital ratio | 16.2790% | 2,511 |
| Total risk-based capital ratio | 17.5295% | 2,455 |
| Memoranda: | ||
| Average total assets | $500,177,500 | 1,378 |
| Average earning assets | $472,572,250 | 1,340 |
| Average equity | $52,890,250 | 1,461 |
| Average total loans | $319,858,250 | 1,453 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3591% | 1,951 |
| Cost of funding earning assets | 0.5124% | 2,006 |
| Net interest margin | 3.8467% | 2,150 |
| Noninterest income to average assets | 0.8350% | 1,596 |
| Noninterest expense to average assets | 2.6188% | 3,663 |
| Loan and lease loss provision to assets | 0.1214% | 1,885 |
| Net operating income to assets | 1.7267% | 550 |
| Return on assets (ROA) | 1.7267% | 580 |
| Pretax return on assets | 1.7287% | 1,030 |
| Return on Equity (ROE) | 16.1317% | 522 |
| Retained earnings to average equity (ytd only) | -16.0069% | 5,942 |
| Net charge-offs to loans | 0.2563% | 929 |
| Credit loss provision to net charge-offs | 72.9927% | 2,448 |
| Earnings coverage of net charge-offs (x) | 11.1217% | 2,282 |
| Efficiency ratio | 56.3989% | 5,103 |
| Assets per employee ($millions) | 4.0659% | 3,790 |
| Cash dividends to net income (ytd only)* | 199.2264% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 3,326 |
| Loan loss allowance to noncurrent loans | 401.6444% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.6159% | 3,166 |
| Noncurrent loans to loans | 0.3002% | 4,295 |
| Net loans and leases to total assets | 64.0337% | 3,355 |
| Net loans and leases to deposits | 72.6599% | 3,731 |
| Net loans and leases to core deposits | 75.8884% | 3,832 |
| Total domestic deposits to total assets | 88.1279% | 1,366 |
| Equity capital to assets | 10.3534% | 3,790 |
| Core capital (leverage) ratio | 9.9354% | 3,642 |
| Tier 1 risk-based capital ratio | 15.7502% | 2,765 |
| Total risk-based capital ratio | 17.0002% | 2,694 |
| Memoranda: | ||
| Average total assets | $494,124,670 | 1,400 |
| Average earning assets | $466,789,000 | 1,366 |
| Average equity | $52,889,670 | 1,465 |
| Average total loans | $320,779,000 | 1,452 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3079% | 2,105 |
| Cost of funding earning assets | 0.5233% | 1,919 |
| Net interest margin | 3.7846% | 2,348 |
| Noninterest income to average assets | 0.7916% | 1,652 |
| Noninterest expense to average assets | 2.5720% | 3,841 |
| Loan and lease loss provision to assets | 0.1222% | 1,726 |
| Net operating income to assets | 1.6729% | 611 |
| Return on assets (ROA) | 1.6729% | 647 |
| Pretax return on assets | 1.6729% | 1,127 |
| Return on Equity (ROE) | 15.3727% | 615 |
| Retained earnings to average equity (ytd only) | -33.2750% | 6,037 |
| Net charge-offs to loans | 0.3385% | 657 |
| Credit loss provision to net charge-offs | 55.5556% | 2,006 |
| Earnings coverage of net charge-offs (x) | 8.1630% | 2,082 |
| Efficiency ratio | 56.6393% | 5,135 |
| Assets per employee ($millions) | 4.1606% | 3,653 |
| Cash dividends to net income (ytd only)* | 316.4557% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2188% | 3,369 |
| Loan loss allowance to noncurrent loans | 241.7235% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.6870% | 2,997 |
| Noncurrent loans to loans | 0.5042% | 3,666 |
| Net loans and leases to total assets | 64.9164% | 3,120 |
| Net loans and leases to deposits | 73.7741% | 3,458 |
| Net loans and leases to core deposits | 77.1512% | 3,576 |
| Total domestic deposits to total assets | 87.9936% | 1,647 |
| Equity capital to assets | 10.5619% | 3,414 |
| Core capital (leverage) ratio | 9.9732% | 3,568 |
| Tier 1 risk-based capital ratio | 15.5847% | 2,869 |
| Total risk-based capital ratio | 16.8347% | 2,804 |
| Memoranda: | ||
| Average total assets | $491,133,500 | 1,410 |
| Average earning assets | $463,982,500 | 1,372 |
| Average equity | $53,445,500 | 1,441 |
| Average total loans | $319,096,000 | 1,453 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3115% | 2,190 |
| Cost of funding earning assets | 0.5774% | 1,522 |
| Net interest margin | 3.7341% | 2,628 |
| Noninterest income to average assets | 0.9039% | 1,438 |
| Noninterest expense to average assets | 2.7440% | 3,431 |
| Loan and lease loss provision to assets | 0.1524% | 1,540 |
| Net operating income to assets | 1.5296% | 810 |
| Return on assets (ROA) | 1.5296% | 844 |
| Pretax return on assets | 1.5317% | 1,458 |
| Return on Equity (ROE) | 13.6113% | 930 |
| Retained earnings to average equity (ytd only) | 4.8346% | 2,540 |
| Net charge-offs to loans | 0.3264% | 915 |
| Credit loss provision to net charge-offs | 72.9862% | 3,076 |
| Earnings coverage of net charge-offs (x) | 8.0658% | 3,002 |
| Efficiency ratio | 59.7175% | 4,944 |
| Assets per employee ($millions) | 3.7254% | 4,421 |
| Cash dividends to net income (ytd only)* | 64.4811% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2627% | 3,095 |
| Loan loss allowance to noncurrent loans | 214.0043% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.6329% | 3,170 |
| Noncurrent loans to loans | 0.5900% | 3,400 |
| Net loans and leases to total assets | 63.4272% | 3,357 |
| Net loans and leases to deposits | 72.6379% | 3,653 |
| Net loans and leases to core deposits | 76.2418% | 3,733 |
| Total domestic deposits to total assets | 87.3197% | 1,972 |
| Equity capital to assets | 11.1967% | 2,634 |
| Core capital (leverage) ratio | 10.6730% | 2,740 |
| Tier 1 risk-based capital ratio | 17.2521% | 2,201 |
| Total risk-based capital ratio | 18.5025% | 2,158 |
| Memoranda: | ||
| Average total assets | $487,564,800 | 1,384 |
| Average earning assets | $460,162,600 | 1,344 |
| Average equity | $54,792,600 | 1,363 |
| Average total loans | $311,915,200 | 1,418 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3025% | 2,221 |
| Cost of funding earning assets | 0.5856% | 1,498 |
| Net interest margin | 3.7169% | 2,687 |
| Noninterest income to average assets | 0.9217% | 1,394 |
| Noninterest expense to average assets | 2.7584% | 3,350 |
| Loan and lease loss provision to assets | 0.1529% | 1,423 |
| Net operating income to assets | 1.5184% | 895 |
| Return on assets (ROA) | 1.5184% | 929 |
| Pretax return on assets | 1.5203% | 1,625 |
| Return on Equity (ROE) | 13.4986% | 1,007 |
| Retained earnings to average equity (ytd only) | 7.3718% | 1,512 |
| Net charge-offs to loans | 0.3802% | 678 |
| Credit loss provision to net charge-offs | 62.9379% | 2,879 |
| Earnings coverage of net charge-offs (x) | 6.8859% | 2,982 |
| Efficiency ratio | 59.9876% | 4,892 |
| Assets per employee ($millions) | 3.6892% | 4,465 |
| Cash dividends to net income (ytd only)* | 45.3887% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 3,255 |
| Loan loss allowance to noncurrent loans | 317.2800% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.7025% | 3,148 |
| Noncurrent loans to loans | 0.4005% | 4,181 |
| Net loans and leases to total assets | 61.8747% | 3,627 |
| Net loans and leases to deposits | 70.8989% | 3,892 |
| Net loans and leases to core deposits | 74.4899% | 3,965 |
| Total domestic deposits to total assets | 87.2718% | 1,909 |
| Equity capital to assets | 11.2243% | 2,777 |
| Core capital (leverage) ratio | 10.8286% | 2,675 |
| Tier 1 risk-based capital ratio | 17.3641% | 2,231 |
| Total risk-based capital ratio | 18.6147% | 2,182 |
| Memoranda: | ||
| Average total assets | $485,586,500 | 1,388 |
| Average earning assets | $458,545,250 | 1,358 |
| Average equity | $54,621,500 | 1,377 |
| Average total loans | $310,322,250 | 1,431 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3033% | 2,155 |
| Cost of funding earning assets | 0.5913% | 1,479 |
| Net interest margin | 3.7120% | 2,658 |
| Noninterest income to average assets | 0.9185% | 1,394 |
| Noninterest expense to average assets | 2.7597% | 3,381 |
| Loan and lease loss provision to assets | 0.1541% | 1,381 |
| Net operating income to assets | 1.5101% | 882 |
| Return on assets (ROA) | 1.5101% | 923 |
| Pretax return on assets | 1.5122% | 1,613 |
| Return on Equity (ROE) | 13.4146% | 1,036 |
| Retained earnings to average equity (ytd only) | 7.1520% | 1,640 |
| Net charge-offs to loans | 0.2809% | 937 |
| Credit loss provision to net charge-offs | 85.2874% | 2,270 |
| Earnings coverage of net charge-offs (x) | 9.2207% | 2,476 |
| Efficiency ratio | 60.0713% | 4,969 |
| Assets per employee ($millions) | 3.6268% | 4,580 |
| Cash dividends to net income (ytd only)* | 46.6850% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3482% | 3,000 |
| Loan loss allowance to noncurrent loans | 129.3974% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 1.0216% | 2,464 |
| Noncurrent loans to loans | 1.0419% | 2,562 |
| Net loans and leases to total assets | 64.1689% | 3,245 |
| Net loans and leases to deposits | 73.5598% | 3,548 |
| Net loans and leases to core deposits | 76.3550% | 3,727 |
| Total domestic deposits to total assets | 87.2337% | 2,045 |
| Equity capital to assets | 11.4022% | 2,495 |
| Core capital (leverage) ratio | 10.9900% | 2,429 |
| Tier 1 risk-based capital ratio | 16.6441% | 2,540 |
| Total risk-based capital ratio | 17.8953% | 2,497 |
| Memoranda: | ||
| Average total assets | $481,433,670 | 1,417 |
| Average earning assets | $454,902,000 | 1,375 |
| Average equity | $54,194,670 | 1,395 |
| Average total loans | $309,719,670 | 1,435 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9945% | 3,250 |
| Cost of funding earning assets | 0.6461% | 1,142 |
| Net interest margin | 3.3484% | 4,027 |
| Noninterest income to average assets | 0.7952% | 1,729 |
| Noninterest expense to average assets | 2.3509% | 4,736 |
| Loan and lease loss provision to assets | 0.1469% | 1,382 |
| Net operating income to assets | 1.5111% | 828 |
| Return on assets (ROA) | 1.5111% | 878 |
| Pretax return on assets | 1.5111% | 1,529 |
| Return on Equity (ROE) | 14.1648% | 843 |
| Retained earnings to average equity (ytd only) | 14.1648% | 344 |
| Net charge-offs to loans | 0.0411% | 2,409 |
| Credit loss provision to net charge-offs | 586.9565% | 484 |
| Earnings coverage of net charge-offs (x) | 66.2609% | 672 |
| Efficiency ratio | 55.3596% | 5,567 |
| Assets per employee ($millions) | 4.5302% | 3,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3449% | 3,168 |
| Loan loss allowance to noncurrent loans | 106.3459% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.1555% | 2,329 |
| Noncurrent loans to loans | 1.2647% | 2,263 |
| Net loans and leases to total assets | 60.9702% | 3,527 |
| Net loans and leases to deposits | 69.5728% | 3,796 |
| Net loans and leases to core deposits | 73.0732% | 3,865 |
| Total domestic deposits to total assets | 87.6351% | 2,024 |
| Equity capital to assets | 10.9227% | 3,062 |
| Core capital (leverage) ratio | 10.6201% | 2,830 |
| Tier 1 risk-based capital ratio | 16.8549% | 2,534 |
| Total risk-based capital ratio | 18.0991% | 2,489 |
| Memoranda: | ||
| Average total assets | $367,684,500 | 1,806 |
| Average earning assets | $352,884,500 | 1,741 |
| Average equity | $39,224,000 | 1,865 |
| Average total loans | $223,905,000 | 1,920 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1487% | 3,131 |
| Cost of funding earning assets | 0.7028% | 1,089 |
| Net interest margin | 3.4459% | 3,998 |
| Noninterest income to average assets | 0.6949% | 2,326 |
| Noninterest expense to average assets | 2.4011% | 4,842 |
| Loan and lease loss provision to assets | 0.1313% | 1,996 |
| Net operating income to assets | 1.4535% | 973 |
| Return on assets (ROA) | 1.4535% | 1,007 |
| Pretax return on assets | 1.4557% | 1,706 |
| Return on Equity (ROE) | 13.9430% | 940 |
| Retained earnings to average equity (ytd only) | 3.5913% | 3,663 |
| Net charge-offs to loans | 0.2534% | 1,688 |
| Credit loss provision to net charge-offs | 87.4317% | 2,696 |
| Earnings coverage of net charge-offs (x) | 10.5701% | 2,599 |
| Efficiency ratio | 56.8744% | 5,581 |
| Assets per employee ($millions) | 4.4930% | 3,053 |
| Cash dividends to net income (ytd only)* | 74.2427% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3292% | 3,273 |
| Loan loss allowance to noncurrent loans | 115.1705% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 1.0149% | 2,719 |
| Noncurrent loans to loans | 1.1541% | 2,532 |
| Net loans and leases to total assets | 59.1967% | 3,896 |
| Net loans and leases to deposits | 67.3824% | 4,185 |
| Net loans and leases to core deposits | 70.9290% | 4,227 |
| Total domestic deposits to total assets | 87.8518% | 1,847 |
| Equity capital to assets | 10.4140% | 3,594 |
| Core capital (leverage) ratio | 9.8054% | 3,828 |
| Tier 1 risk-based capital ratio | 15.8744% | 3,023 |
| Total risk-based capital ratio | 17.1249% | 2,977 |
| Memoranda: | ||
| Average total assets | $365,664,000 | 1,781 |
| Average earning assets | $349,460,800 | 1,707 |
| Average equity | $38,119,400 | 1,853 |
| Average total loans | $216,631,600 | 1,925 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1304% | 3,252 |
| Cost of funding earning assets | 0.7119% | 1,095 |
| Net interest margin | 3.4185% | 4,156 |
| Noninterest income to average assets | 0.6999% | 2,326 |
| Noninterest expense to average assets | 2.3932% | 4,853 |
| Loan and lease loss provision to assets | 0.1315% | 1,909 |
| Net operating income to assets | 1.4353% | 1,059 |
| Return on assets (ROA) | 1.4353% | 1,100 |
| Pretax return on assets | 1.4379% | 1,857 |
| Return on Equity (ROE) | 13.7649% | 1,036 |
| Retained earnings to average equity (ytd only) | 6.5303% | 2,082 |
| Net charge-offs to loans | 0.0866% | 2,969 |
| Credit loss provision to net charge-offs | 257.1429% | 1,026 |
| Earnings coverage of net charge-offs (x) | 30.6861% | 1,349 |
| Efficiency ratio | 57.0388% | 5,552 |
| Assets per employee ($millions) | 4.5404% | 2,897 |
| Cash dividends to net income (ytd only)* | 52.5578% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4740% | 2,843 |
| Loan loss allowance to noncurrent loans | 107.3520% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 1.0705% | 2,821 |
| Noncurrent loans to loans | 1.3731% | 2,362 |
| Net loans and leases to total assets | 58.6497% | 3,984 |
| Net loans and leases to deposits | 66.8095% | 4,253 |
| Net loans and leases to core deposits | 70.5109% | 4,280 |
| Total domestic deposits to total assets | 87.7865% | 1,871 |
| Equity capital to assets | 10.5786% | 3,457 |
| Core capital (leverage) ratio | 9.9432% | 3,747 |
| Tier 1 risk-based capital ratio | 16.1443% | 2,989 |
| Total risk-based capital ratio | 17.3965% | 2,939 |
| Memoranda: | ||
| Average total assets | $364,973,500 | 1,797 |
| Average earning assets | $348,335,750 | 1,726 |
| Average equity | $38,057,250 | 1,861 |
| Average total loans | $215,531,000 | 1,946 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1351% | 3,208 |
| Cost of funding earning assets | 0.7213% | 1,078 |
| Net interest margin | 3.4139% | 4,120 |
| Noninterest income to average assets | 0.7307% | 2,146 |
| Noninterest expense to average assets | 2.3778% | 4,945 |
| Loan and lease loss provision to assets | 0.1319% | 1,880 |
| Net operating income to assets | 1.4740% | 919 |
| Return on assets (ROA) | 1.4740% | 956 |
| Pretax return on assets | 1.4768% | 1,612 |
| Return on Equity (ROE) | 14.2053% | 917 |
| Retained earnings to average equity (ytd only) | 6.8353% | 1,848 |
| Net charge-offs to loans | 0.0522% | 3,220 |
| Credit loss provision to net charge-offs | 428.5714% | 652 |
| Earnings coverage of net charge-offs (x) | 52.2857% | 885 |
| Efficiency ratio | 56.2982% | 5,712 |
| Assets per employee ($millions) | 4.5483% | 2,849 |
| Cash dividends to net income (ytd only)* | 51.8822% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4461% | 3,129 |
| Loan loss allowance to noncurrent loans | 89.9127% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 1.1787% | 2,723 |
| Noncurrent loans to loans | 1.6083% | 2,158 |
| Net loans and leases to total assets | 59.7671% | 3,759 |
| Net loans and leases to deposits | 68.0113% | 4,048 |
| Net loans and leases to core deposits | 71.7615% | 4,073 |
| Total domestic deposits to total assets | 87.8782% | 1,979 |
| Equity capital to assets | 10.5347% | 3,403 |
| Core capital (leverage) ratio | 9.9164% | 3,719 |
| Tier 1 risk-based capital ratio | 15.7996% | 3,192 |
| Total risk-based capital ratio | 17.0514% | 3,125 |
| Memoranda: | ||
| Average total assets | $364,040,670 | 1,799 |
| Average earning assets | $347,170,330 | 1,726 |
| Average equity | $37,774,670 | 1,862 |
| Average total loans | $214,400,000 | 1,950 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1143% | 3,226 |
| Cost of funding earning assets | 0.7271% | 1,094 |
| Net interest margin | 3.3872% | 4,183 |
| Noninterest income to average assets | 0.7272% | 2,047 |
| Noninterest expense to average assets | 2.3717% | 5,004 |
| Loan and lease loss provision to assets | 0.1318% | 1,845 |
| Net operating income to assets | 1.4544% | 891 |
| Return on assets (ROA) | 1.4544% | 922 |
| Pretax return on assets | 1.4577% | 1,561 |
| Return on Equity (ROE) | 14.1242% | 925 |
| Retained earnings to average equity (ytd only) | 14.1242% | 386 |
| Net charge-offs to loans | 0.0587% | 2,574 |
| Credit loss provision to net charge-offs | 387.0968% | 666 |
| Earnings coverage of net charge-offs (x) | 46.6774% | 795 |
| Efficiency ratio | 56.5169% | 5,795 |
| Assets per employee ($millions) | 4.3656% | 3,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4630% | 3,319 |
| Loan loss allowance to noncurrent loans | 104.8425% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 1.0322% | 3,189 |
| Noncurrent loans to loans | 1.3954% | 2,692 |
| Net loans and leases to total assets | 57.5483% | 3,919 |
| Net loans and leases to deposits | 65.1293% | 4,187 |
| Net loans and leases to core deposits | 68.8440% | 4,228 |
| Total domestic deposits to total assets | 88.3601% | 2,020 |
| Equity capital to assets | 10.5308% | 3,217 |
| Core capital (leverage) ratio | 9.8942% | 3,719 |
| Tier 1 risk-based capital ratio | 16.1545% | 3,085 |
| Total risk-based capital ratio | 17.4064% | 3,046 |
| Memoranda: | ||
| Average total assets | $364,129,000 | 1,803 |
| Average earning assets | $347,664,000 | 1,730 |
| Average equity | $37,496,000 | 1,872 |
| Average total loans | $211,269,000 | 1,968 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2961% | 2,974 |
| Cost of funding earning assets | 0.8223% | 1,081 |
| Net interest margin | 3.4738% | 4,009 |
| Noninterest income to average assets | 0.6901% | 2,598 |
| Noninterest expense to average assets | 2.3929% | 5,089 |
| Loan and lease loss provision to assets | 0.1641% | 2,227 |
| Net operating income to assets | 1.4351% | 953 |
| Return on assets (ROA) | 1.4351% | 989 |
| Pretax return on assets | 1.4365% | 1,666 |
| Return on Equity (ROE) | 14.4200% | 867 |
| Retained earnings to average equity (ytd only) | 6.5049% | 1,682 |
| Net charge-offs to loans | 0.3147% | 2,111 |
| Credit loss provision to net charge-offs | 90.1515% | 2,752 |
| Earnings coverage of net charge-offs (x) | 8.7955% | 2,606 |
| Efficiency ratio | 56.4968% | 5,894 |
| Assets per employee ($millions) | 4.5739% | 2,771 |
| Cash dividends to net income (ytd only)* | 54.8895% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4257% | 3,529 |
| Loan loss allowance to noncurrent loans | 138.3801% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.7797% | 3,941 |
| Noncurrent loans to loans | 1.0303% | 3,452 |
| Net loans and leases to total assets | 56.8200% | 4,216 |
| Net loans and leases to deposits | 64.1902% | 4,488 |
| Net loans and leases to core deposits | 67.3310% | 4,579 |
| Total domestic deposits to total assets | 88.5182% | 1,900 |
| Equity capital to assets | 10.0664% | 3,675 |
| Core capital (leverage) ratio | 9.3180% | 4,519 |
| Tier 1 risk-based capital ratio | 15.4556% | 3,401 |
| Total risk-based capital ratio | 16.7070% | 3,349 |
| Memoranda: | ||
| Average total assets | $362,694,000 | 1,788 |
| Average earning assets | $344,891,600 | 1,735 |
| Average equity | $36,095,800 | 1,913 |
| Average total loans | $209,713,000 | 1,929 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2983% | 3,002 |
| Cost of funding earning assets | 0.8409% | 1,090 |
| Net interest margin | 3.4574% | 4,068 |
| Noninterest income to average assets | 0.7041% | 2,583 |
| Noninterest expense to average assets | 2.3970% | 5,033 |
| Loan and lease loss provision to assets | 0.2192% | 1,661 |
| Net operating income to assets | 1.3705% | 1,172 |
| Return on assets (ROA) | 1.3705% | 1,220 |
| Pretax return on assets | 1.3720% | 2,028 |
| Return on Equity (ROE) | 13.8115% | 1,033 |
| Retained earnings to average equity (ytd only) | 7.4738% | 1,655 |
| Net charge-offs to loans | 0.2521% | 2,303 |
| Credit loss provision to net charge-offs | 150.2525% | 1,564 |
| Earnings coverage of net charge-offs (x) | 10.9065% | 2,302 |
| Efficiency ratio | 56.6651% | 5,838 |
| Assets per employee ($millions) | 4.6301% | 2,663 |
| Cash dividends to net income (ytd only)* | 45.8870% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5863% | 3,063 |
| Loan loss allowance to noncurrent loans | 132.8595% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.8709% | 3,932 |
| Noncurrent loans to loans | 1.1939% | 3,434 |
| Net loans and leases to total assets | 54.7880% | 4,485 |
| Net loans and leases to deposits | 62.1897% | 4,734 |
| Net loans and leases to core deposits | 65.2450% | 4,777 |
| Total domestic deposits to total assets | 88.0982% | 2,063 |
| Equity capital to assets | 9.8100% | 4,165 |
| Core capital (leverage) ratio | 9.2234% | 4,799 |
| Tier 1 risk-based capital ratio | 15.4518% | 3,494 |
| Total risk-based capital ratio | 16.7047% | 3,449 |
| Memoranda: | ||
| Average total assets | $361,890,000 | 1,808 |
| Average earning assets | $343,753,750 | 1,750 |
| Average equity | $35,911,250 | 1,934 |
| Average total loans | $209,412,000 | 1,940 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2976% | 2,960 |
| Cost of funding earning assets | 0.8603% | 1,081 |
| Net interest margin | 3.4373% | 4,051 |
| Noninterest income to average assets | 0.7280% | 2,512 |
| Noninterest expense to average assets | 2.3997% | 5,053 |
| Loan and lease loss provision to assets | 0.2339% | 1,593 |
| Net operating income to assets | 1.3580% | 1,173 |
| Return on assets (ROA) | 1.3580% | 1,258 |
| Pretax return on assets | 1.3591% | 2,087 |
| Return on Equity (ROE) | 13.6318% | 1,090 |
| Retained earnings to average equity (ytd only) | 7.6322% | 1,618 |
| Net charge-offs to loans | 0.2794% | 2,087 |
| Credit loss provision to net charge-offs | 142.8571% | 1,591 |
| Earnings coverage of net charge-offs (x) | 9.7279% | 2,244 |
| Efficiency ratio | 56.6406% | 5,884 |
| Assets per employee ($millions) | 4.4487% | 2,897 |
| Cash dividends to net income (ytd only)* | 44.0115% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5204% | 3,484 |
| Loan loss allowance to noncurrent loans | 126.2535% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.9083% | 3,972 |
| Noncurrent loans to loans | 1.2042% | 3,546 |
| Net loans and leases to total assets | 57.4849% | 4,065 |
| Net loans and leases to deposits | 65.3339% | 4,339 |
| Net loans and leases to core deposits | 69.0345% | 4,387 |
| Total domestic deposits to total assets | 87.9863% | 2,252 |
| Equity capital to assets | 9.8583% | 4,112 |
| Core capital (leverage) ratio | 9.2709% | 4,592 |
| Tier 1 risk-based capital ratio | 14.9294% | 3,823 |
| Total risk-based capital ratio | 16.1819% | 3,790 |
| Memoranda: | ||
| Average total assets | $359,051,330 | 1,819 |
| Average earning assets | $341,025,670 | 1,758 |
| Average equity | $35,769,330 | 1,949 |
| Average total loans | $210,479,670 | 1,931 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2885% | 2,931 |
| Cost of funding earning assets | 0.8763% | 1,104 |
| Net interest margin | 3.4122% | 4,073 |
| Noninterest income to average assets | 0.7545% | 2,316 |
| Noninterest expense to average assets | 2.3616% | 5,230 |
| Loan and lease loss provision to assets | 0.2344% | 1,556 |
| Net operating income to assets | 1.3906% | 1,051 |
| Return on assets (ROA) | 1.3906% | 1,134 |
| Pretax return on assets | 1.3917% | 1,886 |
| Return on Equity (ROE) | 13.8861% | 982 |
| Retained earnings to average equity (ytd only) | 13.8861% | 463 |
| Net charge-offs to loans | 0.0570% | 3,256 |
| Credit loss provision to net charge-offs | 700.0000% | 403 |
| Earnings coverage of net charge-offs (x) | 48.5667% | 687 |
| Efficiency ratio | 55.7515% | 6,082 |
| Assets per employee ($millions) | 4.2583% | 3,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5679% | 3,535 |
| Loan loss allowance to noncurrent loans | 80.6948% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 1.5111% | 2,988 |
| Noncurrent loans to loans | 1.9430% | 2,684 |
| Net loans and leases to total assets | 57.0768% | 3,907 |
| Net loans and leases to deposits | 64.8725% | 4,200 |
| Net loans and leases to core deposits | 67.9988% | 4,304 |
| Total domestic deposits to total assets | 87.9831% | 2,322 |
| Equity capital to assets | 10.2025% | 3,903 |
| Core capital (leverage) ratio | 9.2813% | 4,432 |
| Tier 1 risk-based capital ratio | 15.0966% | 3,771 |
| Total risk-based capital ratio | 16.3495% | 3,728 |
| Memoranda: | ||
| Average total assets | $358,403,500 | 1,847 |
| Average earning assets | $339,607,500 | 1,781 |
| Average equity | $35,892,000 | 1,967 |
| Average total loans | $210,548,000 | 1,941 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6972% | 2,608 |
| Cost of funding earning assets | 1.0191% | 1,258 |
| Net interest margin | 3.6782% | 3,750 |
| Noninterest income to average assets | 0.7108% | 2,670 |
| Noninterest expense to average assets | 2.4347% | 5,303 |
| Loan and lease loss provision to assets | 0.2528% | 2,634 |
| Net operating income to assets | 1.5174% | 884 |
| Return on assets (ROA) | 1.5174% | 977 |
| Pretax return on assets | 1.5189% | 1,626 |
| Return on Equity (ROE) | 14.4185% | 915 |
| Retained earnings to average equity (ytd only) | 4.4697% | 3,086 |
| Net charge-offs to loans | 0.1961% | 3,806 |
| Credit loss provision to net charge-offs | 213.7405% | 1,188 |
| Earnings coverage of net charge-offs (x) | 14.9796% | 1,685 |
| Efficiency ratio | 55.7845% | 6,078 |
| Assets per employee ($millions) | 4.4335% | 3,083 |
| Cash dividends to net income (ytd only)* | 69.0004% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4376% | 3,985 |
| Loan loss allowance to noncurrent loans | 92.3910% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 1.3792% | 3,329 |
| Noncurrent loans to loans | 1.5560% | 3,285 |
| Net loans and leases to total assets | 58.6477% | 3,862 |
| Net loans and leases to deposits | 66.5869% | 4,195 |
| Net loans and leases to core deposits | 69.6364% | 4,363 |
| Total domestic deposits to total assets | 88.0770% | 2,188 |
| Equity capital to assets | 9.8270% | 4,415 |
| Core capital (leverage) ratio | 8.7768% | 5,214 |
| Tier 1 risk-based capital ratio | 14.1375% | 4,286 |
| Total risk-based capital ratio | 15.3889% | 4,242 |
| Memoranda: | ||
| Average total assets | $332,283,400 | 1,937 |
| Average earning assets | $315,780,600 | 1,876 |
| Average equity | $34,969,000 | 1,978 |
| Average total loans | $200,446,200 | 2,003 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6809% | 2,883 |
| Cost of funding earning assets | 1.0337% | 1,374 |
| Net interest margin | 3.6472% | 4,014 |
| Noninterest income to average assets | 0.7285% | 2,581 |
| Noninterest expense to average assets | 2.4289% | 5,311 |
| Loan and lease loss provision to assets | 0.2580% | 2,511 |
| Net operating income to assets | 1.5107% | 1,000 |
| Return on assets (ROA) | 1.5107% | 1,111 |
| Pretax return on assets | 1.5124% | 1,836 |
| Return on Equity (ROE) | 14.0978% | 1,092 |
| Retained earnings to average equity (ytd only) | 7.5438% | 1,830 |
| Net charge-offs to loans | 0.1346% | 4,045 |
| Credit loss provision to net charge-offs | 316.5829% | 842 |
| Earnings coverage of net charge-offs (x) | 21.7234% | 1,389 |
| Efficiency ratio | 56.1927% | 6,032 |
| Assets per employee ($millions) | 4.6355% | 2,691 |
| Cash dividends to net income (ytd only)* | 46.4896% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4376% | 4,204 |
| Loan loss allowance to noncurrent loans | 78.5806% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 1.5967% | 3,204 |
| Noncurrent loans to loans | 1.8295% | 3,033 |
| Net loans and leases to total assets | 57.9472% | 4,145 |
| Net loans and leases to deposits | 65.9968% | 4,471 |
| Net loans and leases to core deposits | 69.6101% | 4,547 |
| Total domestic deposits to total assets | 87.8031% | 2,168 |
| Equity capital to assets | 9.8942% | 4,648 |
| Core capital (leverage) ratio | 8.8590% | 5,256 |
| Tier 1 risk-based capital ratio | 14.2477% | 4,351 |
| Total risk-based capital ratio | 15.4992% | 4,319 |
| Memoranda: | ||
| Average total assets | $325,576,250 | 1,997 |
| Average earning assets | $309,817,250 | 1,930 |
| Average equity | $34,888,750 | 2,002 |
| Average total loans | $197,137,000 | 2,054 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6538% | 3,125 |
| Cost of funding earning assets | 1.0296% | 1,587 |
| Net interest margin | 3.6242% | 4,169 |
| Noninterest income to average assets | 0.7685% | 2,338 |
| Noninterest expense to average assets | 2.3280% | 5,665 |
| Loan and lease loss provision to assets | 0.2679% | 2,442 |
| Net operating income to assets | 1.6245% | 801 |
| Return on assets (ROA) | 1.6245% | 889 |
| Pretax return on assets | 1.6257% | 1,473 |
| Return on Equity (ROE) | 14.7252% | 980 |
| Retained earnings to average equity (ytd only) | 8.3252% | 1,508 |
| Net charge-offs to loans | 0.1531% | 3,691 |
| Credit loss provision to net charge-offs | 285.7143% | 1,023 |
| Earnings coverage of net charge-offs (x) | 20.1973% | 1,400 |
| Efficiency ratio | 54.4644% | 6,276 |
| Assets per employee ($millions) | 4.4486% | 3,007 |
| Cash dividends to net income (ytd only)* | 43.4629% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3597% | 4,619 |
| Loan loss allowance to noncurrent loans | 85.5120% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 1.6583% | 3,231 |
| Noncurrent loans to loans | 1.5901% | 3,525 |
| Net loans and leases to total assets | 59.8202% | 3,859 |
| Net loans and leases to deposits | 68.1372% | 4,173 |
| Net loans and leases to core deposits | 71.5473% | 4,350 |
| Total domestic deposits to total assets | 87.7938% | 2,286 |
| Equity capital to assets | 10.0227% | 4,298 |
| Core capital (leverage) ratio | 10.0750% | 3,316 |
| Tier 1 risk-based capital ratio | 14.0760% | 4,384 |
| Total risk-based capital ratio | 15.3269% | 4,350 |
| Memoranda: | ||
| Average total assets | $313,579,330 | 2,067 |
| Average earning assets | $298,769,330 | 1,991 |
| Average equity | $34,593,670 | 2,001 |
| Average total loans | $191,991,330 | 2,103 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8468% | 2,455 |
| Cost of funding earning assets | 1.0848% | 1,477 |
| Net interest margin | 3.7620% | 3,553 |
| Noninterest income to average assets | 0.8783% | 1,835 |
| Noninterest expense to average assets | 2.3431% | 5,654 |
| Loan and lease loss provision to assets | 0.2851% | 2,182 |
| Net operating income to assets | 1.8517% | 536 |
| Return on assets (ROA) | 1.8517% | 609 |
| Pretax return on assets | 1.8517% | 971 |
| Return on Equity (ROE) | 15.9167% | 817 |
| Retained earnings to average equity (ytd only) | 15.9167% | 373 |
| Net charge-offs to loans | 0.2932% | 2,495 |
| Credit loss provision to net charge-offs | 157.8947% | 1,605 |
| Earnings coverage of net charge-offs (x) | 11.8346% | 1,644 |
| Efficiency ratio | 52.2121% | 6,525 |
| Assets per employee ($millions) | 3.9997% | 4,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 4,146 |
| Loan loss allowance to noncurrent loans | 139.8551% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 1.5315% | 3,563 |
| Noncurrent loans to loans | 1.0737% | 4,551 |
| Net loans and leases to total assets | 59.8833% | 3,693 |
| Net loans and leases to deposits | 69.7282% | 3,761 |
| Net loans and leases to core deposits | 73.1076% | 4,004 |
| Total domestic deposits to total assets | 85.8811% | 3,603 |
| Equity capital to assets | 11.7377% | 2,231 |
| Core capital (leverage) ratio | 11.8180% | 1,700 |
| Tier 1 risk-based capital ratio | 18.4506% | 2,161 |
| Total risk-based capital ratio | 19.7029% | 2,129 |
| Memoranda: | ||
| Average total assets | $294,647,500 | 2,206 |
| Average earning assets | $282,082,500 | 2,118 |
| Average equity | $34,278,500 | 2,017 |
| Average total loans | $181,421,000 | 2,215 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0495% | 2,655 |
| Cost of funding earning assets | 1.2831% | 1,564 |
| Net interest margin | 3.7664% | 3,999 |
| Noninterest income to average assets | 0.7456% | 2,360 |
| Noninterest expense to average assets | 2.3817% | 5,823 |
| Loan and lease loss provision to assets | 0.3590% | 2,849 |
| Net operating income to assets | 1.5840% | 687 |
| Return on assets (ROA) | 1.5840% | 750 |
| Pretax return on assets | 1.5858% | 1,238 |
| Return on Equity (ROE) | 13.6582% | 1,025 |
| Retained earnings to average equity (ytd only) | 4.3067% | 3,117 |
| Net charge-offs to loans | 0.3309% | 3,738 |
| Credit loss provision to net charge-offs | 173.6227% | 1,521 |
| Earnings coverage of net charge-offs (x) | 9.4057% | 1,990 |
| Efficiency ratio | 54.9785% | 6,425 |
| Assets per employee ($millions) | 4.2510% | 3,362 |
| Cash dividends to net income (ytd only)* | 68.4681% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4352% | 4,308 |
| Loan loss allowance to noncurrent loans | 115.2327% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 1.6515% | 3,475 |
| Noncurrent loans to loans | 1.2455% | 4,286 |
| Net loans and leases to total assets | 61.4603% | 3,701 |
| Net loans and leases to deposits | 71.7245% | 3,839 |
| Net loans and leases to core deposits | 75.2071% | 4,075 |
| Total domestic deposits to total assets | 85.6895% | 3,488 |
| Equity capital to assets | 11.5289% | 2,477 |
| Core capital (leverage) ratio | 11.2710% | 2,064 |
| Tier 1 risk-based capital ratio | 17.7583% | 2,279 |
| Total risk-based capital ratio | 19.0103% | 2,250 |
| Memoranda: | ||
| Average total assets | $289,703,400 | 2,196 |
| Average earning assets | $275,432,200 | 2,132 |
| Average equity | $33,598,800 | 1,985 |
| Average total loans | $181,034,600 | 2,232 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9934% | 3,111 |
| Cost of funding earning assets | 1.3266% | 1,563 |
| Net interest margin | 3.6668% | 4,494 |
| Noninterest income to average assets | 0.7521% | 2,299 |
| Noninterest expense to average assets | 2.3914% | 5,784 |
| Loan and lease loss provision to assets | 0.2909% | 3,191 |
| Net operating income to assets | 1.5452% | 859 |
| Return on assets (ROA) | 1.5452% | 931 |
| Pretax return on assets | 1.5471% | 1,528 |
| Return on Equity (ROE) | 13.3034% | 1,203 |
| Retained earnings to average equity (ytd only) | 8.6450% | 1,264 |
| Net charge-offs to loans | 0.2636% | 3,796 |
| Credit loss provision to net charge-offs | 176.4706% | 1,686 |
| Earnings coverage of net charge-offs (x) | 11.1512% | 1,837 |
| Efficiency ratio | 56.4676% | 6,216 |
| Assets per employee ($millions) | 4.6541% | 2,686 |
| Cash dividends to net income (ytd only)* | 35.0164% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3678% | 4,696 |
| Loan loss allowance to noncurrent loans | 85.0762% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 2.6690% | 2,420 |
| Noncurrent loans to loans | 1.6078% | 3,888 |
| Net loans and leases to total assets | 59.4814% | 4,235 |
| Net loans and leases to deposits | 69.4411% | 4,395 |
| Net loans and leases to core deposits | 72.8378% | 4,600 |
| Total domestic deposits to total assets | 85.6574% | 3,410 |
| Equity capital to assets | 11.6363% | 2,553 |
| Core capital (leverage) ratio | 11.5787% | 1,971 |
| Tier 1 risk-based capital ratio | 18.1719% | 2,195 |
| Total risk-based capital ratio | 19.4226% | 2,159 |
| Memoranda: | ||
| Average total assets | $288,800,250 | 2,218 |
| Average earning assets | $273,872,250 | 2,144 |
| Average equity | $33,544,500 | 1,991 |
| Average total loans | $180,568,750 | 2,258 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9574% | 3,369 |
| Cost of funding earning assets | 1.3687% | 1,554 |
| Net interest margin | 3.5886% | 4,760 |
| Noninterest income to average assets | 0.8195% | 1,931 |
| Noninterest expense to average assets | 2.4466% | 5,709 |
| Loan and lease loss provision to assets | 0.2939% | 3,048 |
| Net operating income to assets | 1.4886% | 914 |
| Return on assets (ROA) | 1.4886% | 970 |
| Pretax return on assets | 1.4900% | 1,563 |
| Return on Equity (ROE) | 12.8238% | 1,239 |
| Retained earnings to average equity (ytd only) | 7.7594% | 1,548 |
| Net charge-offs to loans | 0.3140% | 3,301 |
| Credit loss provision to net charge-offs | 147.8873% | 2,068 |
| Earnings coverage of net charge-offs (x) | 8.9754% | 1,982 |
| Efficiency ratio | 57.7502% | 6,198 |
| Assets per employee ($millions) | 4.2242% | 3,307 |
| Cash dividends to net income (ytd only)* | 39.4922% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3032% | 5,049 |
| Loan loss allowance to noncurrent loans | 179.5666% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 2.4812% | 2,690 |
| Noncurrent loans to loans | 0.7257% | 5,462 |
| Net loans and leases to total assets | 61.1683% | 4,056 |
| Net loans and leases to deposits | 71.4141% | 4,216 |
| Net loans and leases to core deposits | 74.9136% | 4,451 |
| Total domestic deposits to total assets | 85.6530% | 3,520 |
| Equity capital to assets | 11.7642% | 2,272 |
| Core capital (leverage) ratio | 11.6556% | 1,806 |
| Tier 1 risk-based capital ratio | 18.1641% | 2,119 |
| Total risk-based capital ratio | 19.4144% | 2,072 |
| Memoranda: | ||
| Average total assets | $285,780,000 | 2,246 |
| Average earning assets | $271,637,000 | 2,165 |
| Average equity | $33,172,670 | 1,994 |
| Average total loans | $180,882,000 | 2,270 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9820% | 3,183 |
| Cost of funding earning assets | 1.4140% | 1,544 |
| Net interest margin | 3.5680% | 4,733 |
| Noninterest income to average assets | 0.8672% | 1,788 |
| Noninterest expense to average assets | 2.3659% | 5,998 |
| Loan and lease loss provision to assets | 0.2947% | 2,802 |
| Net operating income to assets | 1.6082% | 679 |
| Return on assets (ROA) | 1.6082% | 723 |
| Pretax return on assets | 1.6096% | 1,168 |
| Return on Equity (ROE) | 13.9488% | 1,002 |
| Retained earnings to average equity (ytd only) | 13.9488% | 477 |
| Net charge-offs to loans | 0.2062% | 3,273 |
| Credit loss provision to net charge-offs | 223.4043% | 1,358 |
| Earnings coverage of net charge-offs (x) | 14.4362% | 1,370 |
| Efficiency ratio | 55.3073% | 6,584 |
| Assets per employee ($millions) | 4.0231% | 3,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 5,270 |
| Loan loss allowance to noncurrent loans | 42.9746% | 5,438 |
| Noncurrent assets plus other real estate owned to assets | 3.1389% | 2,197 |
| Noncurrent loans to loans | 2.9663% | 2,534 |
| Net loans and leases to total assets | 62.3607% | 3,781 |
| Net loans and leases to deposits | 72.4933% | 3,986 |
| Net loans and leases to core deposits | 76.2879% | 4,266 |
| Total domestic deposits to total assets | 86.0226% | 3,521 |
| Equity capital to assets | 11.7179% | 2,111 |
| Core capital (leverage) ratio | 11.6387% | 1,776 |
| Tier 1 risk-based capital ratio | 18.0887% | 2,086 |
| Total risk-based capital ratio | 19.3388% | 2,051 |
| Memoranda: | ||
| Average total assets | $285,047,500 | 2,266 |
| Average earning assets | $271,860,000 | 2,188 |
| Average equity | $32,863,000 | 1,996 |
| Average total loans | $182,311,500 | 2,285 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5827% | 1,967 |
| Cost of funding earning assets | 1.6262% | 1,924 |
| Net interest margin | 3.9565% | 3,234 |
| Noninterest income to average assets | 0.9051% | 1,835 |
| Noninterest expense to average assets | 2.5591% | 5,580 |
| Loan and lease loss provision to assets | 0.3012% | 4,398 |
| Net operating income to assets | 1.8210% | 394 |
| Return on assets (ROA) | 1.8210% | 429 |
| Pretax return on assets | 1.8228% | 726 |
| Return on Equity (ROE) | 15.7280% | 610 |
| Retained earnings to average equity (ytd only) | 5.6825% | 1,997 |
| Net charge-offs to loans | 0.5323% | 3,488 |
| Credit loss provision to net charge-offs | 82.5050% | 5,468 |
| Earnings coverage of net charge-offs (x) | 5.8181% | 2,531 |
| Efficiency ratio | 54.5680% | 6,755 |
| Assets per employee ($millions) | 4.1225% | 3,530 |
| Cash dividends to net income (ytd only)* | 63.8701% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 5,586 |
| Loan loss allowance to noncurrent loans | 48.1800% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 2.8173% | 2,490 |
| Noncurrent loans to loans | 2.4610% | 3,063 |
| Net loans and leases to total assets | 63.9862% | 3,876 |
| Net loans and leases to deposits | 74.6358% | 4,089 |
| Net loans and leases to core deposits | 78.4876% | 4,399 |
| Total domestic deposits to total assets | 85.7313% | 3,485 |
| Equity capital to assets | 11.3392% | 2,386 |
| Core capital (leverage) ratio | 11.1843% | 2,027 |
| Tier 1 risk-based capital ratio | 17.5038% | 2,173 |
| Total risk-based capital ratio | 18.7020% | 2,160 |
| Memoranda: | ||
| Average total assets | $275,561,800 | 2,316 |
| Average earning assets | $263,136,600 | 2,229 |
| Average equity | $31,904,800 | 2,057 |
| Average total loans | $188,984,000 | 2,257 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5972% | 2,071 |
| Cost of funding earning assets | 1.6545% | 2,080 |
| Net interest margin | 3.9427% | 3,347 |
| Noninterest income to average assets | 0.9126% | 1,751 |
| Noninterest expense to average assets | 2.5994% | 5,325 |
| Loan and lease loss provision to assets | 0.2854% | 4,288 |
| Net operating income to assets | 1.7921% | 517 |
| Return on assets (ROA) | 1.7921% | 565 |
| Pretax return on assets | 1.7941% | 933 |
| Return on Equity (ROE) | 15.3959% | 793 |
| Retained earnings to average equity (ytd only) | 9.1437% | 1,013 |
| Net charge-offs to loans | 0.5573% | 3,082 |
| Credit loss provision to net charge-offs | 73.5849% | 5,323 |
| Earnings coverage of net charge-offs (x) | 5.3623% | 2,764 |
| Efficiency ratio | 55.4837% | 6,625 |
| Assets per employee ($millions) | 3.9746% | 3,893 |
| Cash dividends to net income (ytd only)* | 40.6097% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1585% | 5,671 |
| Loan loss allowance to noncurrent loans | 52.4902% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 2.5929% | 2,786 |
| Noncurrent loans to loans | 2.2070% | 3,435 |
| Net loans and leases to total assets | 65.0054% | 3,906 |
| Net loans and leases to deposits | 76.1293% | 4,159 |
| Net loans and leases to core deposits | 79.3836% | 4,604 |
| Total domestic deposits to total assets | 85.3881% | 3,412 |
| Equity capital to assets | 11.6731% | 2,378 |
| Core capital (leverage) ratio | 11.6002% | 1,873 |
| Tier 1 risk-based capital ratio | 17.6944% | 2,115 |
| Total risk-based capital ratio | 18.8732% | 2,107 |
| Memoranda: | ||
| Average total assets | $273,338,500 | 2,363 |
| Average earning assets | $261,102,000 | 2,284 |
| Average equity | $31,817,250 | 2,075 |
| Average total loans | $190,181,000 | 2,290 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6620% | 1,904 |
| Cost of funding earning assets | 1.6890% | 2,173 |
| Net interest margin | 3.9730% | 3,146 |
| Noninterest income to average assets | 0.9409% | 1,538 |
| Noninterest expense to average assets | 2.6495% | 5,128 |
| Loan and lease loss provision to assets | 0.2885% | 4,086 |
| Net operating income to assets | 1.7996% | 487 |
| Return on assets (ROA) | 1.7996% | 529 |
| Pretax return on assets | 1.8011% | 883 |
| Return on Equity (ROE) | 15.4758% | 765 |
| Retained earnings to average equity (ytd only) | 9.2995% | 1,014 |
| Net charge-offs to loans | 0.5665% | 2,841 |
| Credit loss provision to net charge-offs | 71.8232% | 4,918 |
| Earnings coverage of net charge-offs (x) | 5.2026% | 2,726 |
| Efficiency ratio | 55.8296% | 6,657 |
| Assets per employee ($millions) | 3.7090% | 4,447 |
| Cash dividends to net income (ytd only)* | 39.9096% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 5,657 |
| Loan loss allowance to noncurrent loans | 66.1968% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 2.1503% | 3,316 |
| Noncurrent loans to loans | 1.7490% | 4,062 |
| Net loans and leases to total assets | 69.5876% | 2,999 |
| Net loans and leases to deposits | 81.7812% | 3,304 |
| Net loans and leases to core deposits | 85.1670% | 3,961 |
| Total domestic deposits to total assets | 85.0900% | 3,581 |
| Equity capital to assets | 11.8818% | 2,163 |
| Core capital (leverage) ratio | 11.6759% | 1,823 |
| Tier 1 risk-based capital ratio | 17.1914% | 2,205 |
| Total risk-based capital ratio | 18.3940% | 2,178 |
| Memoranda: | ||
| Average total assets | $270,386,330 | 2,417 |
| Average earning assets | $258,497,330 | 2,318 |
| Average equity | $31,442,670 | 2,098 |
| Average total loans | $191,710,670 | 2,297 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6058% | 2,125 |
| Cost of funding earning assets | 1.7255% | 2,267 |
| Net interest margin | 3.8803% | 3,405 |
| Noninterest income to average assets | 0.9845% | 1,347 |
| Noninterest expense to average assets | 2.6825% | 4,986 |
| Loan and lease loss provision to assets | 0.2887% | 3,712 |
| Net operating income to assets | 1.7306% | 575 |
| Return on assets (ROA) | 1.7306% | 631 |
| Pretax return on assets | 1.7320% | 997 |
| Return on Equity (ROE) | 15.0458% | 867 |
| Retained earnings to average equity (ytd only) | 15.0458% | 405 |
| Net charge-offs to loans | 0.4681% | 2,644 |
| Credit loss provision to net charge-offs | 86.6667% | 3,731 |
| Earnings coverage of net charge-offs (x) | 6.0667% | 2,285 |
| Efficiency ratio | 56.9405% | 6,635 |
| Assets per employee ($millions) | 3.6729% | 4,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 5,379 |
| Loan loss allowance to noncurrent loans | 52.9666% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 2.1420% | 3,334 |
| Noncurrent loans to loans | 2.3081% | 3,378 |
| Net loans and leases to total assets | 70.2137% | 2,883 |
| Net loans and leases to deposits | 82.2051% | 3,250 |
| Net loans and leases to core deposits | 85.8379% | 3,925 |
| Total domestic deposits to total assets | 85.4129% | 3,456 |
| Equity capital to assets | 11.7712% | 2,186 |
| Core capital (leverage) ratio | 11.6073% | 1,853 |
| Tier 1 risk-based capital ratio | 17.1841% | 2,205 |
| Total risk-based capital ratio | 18.4345% | 2,154 |
| Memoranda: | ||
| Average total assets | $270,200,500 | 2,469 |
| Average earning assets | $258,946,500 | 2,359 |
| Average equity | $31,078,500 | 2,139 |
| Average total loans | $192,255,500 | 2,348 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9858% | 1,925 |
| Cost of funding earning assets | 2.0515% | 2,714 |
| Net interest margin | 3.9343% | 3,146 |
| Noninterest income to average assets | 0.8761% | 2,043 |
| Noninterest expense to average assets | 2.6211% | 5,710 |
| Loan and lease loss provision to assets | 0.3359% | 4,789 |
| Net operating income to assets | 1.6963% | 445 |
| Return on assets (ROA) | 1.6963% | 475 |
| Pretax return on assets | 1.6981% | 781 |
| Return on Equity (ROE) | 14.9499% | 680 |
| Retained earnings to average equity (ytd only) | 5.2072% | 1,713 |
| Net charge-offs to loans | 0.4698% | 3,899 |
| Credit loss provision to net charge-offs | 97.0716% | 5,724 |
| Earnings coverage of net charge-offs (x) | 5.8774% | 2,479 |
| Efficiency ratio | 56.2248% | 6,987 |
| Assets per employee ($millions) | 3.7299% | 4,452 |
| Cash dividends to net income (ytd only)* | 65.1693% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2170% | 5,259 |
| Loan loss allowance to noncurrent loans | 83.1572% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 1.5146% | 4,110 |
| Noncurrent loans to loans | 1.4635% | 4,474 |
| Net loans and leases to total assets | 70.3553% | 3,169 |
| Net loans and leases to deposits | 82.3984% | 3,564 |
| Net loans and leases to core deposits | 103.3754% | 3,642 |
| Total domestic deposits to total assets | 85.3842% | 3,367 |
| Equity capital to assets | 11.2369% | 2,507 |
| Core capital (leverage) ratio | 10.9399% | 2,260 |
| Tier 1 risk-based capital ratio | 16.5501% | 2,297 |
| Total risk-based capital ratio | 17.8007% | 2,241 |
| Memoranda: | ||
| Average total assets | $266,410,000 | 2,461 |
| Average earning assets | $255,905,000 | 2,360 |
| Average equity | $30,227,600 | 2,216 |
| Average total loans | $196,260,600 | 2,327 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9448% | 2,254 |
| Cost of funding earning assets | 2.1007% | 2,889 |
| Net interest margin | 3.8441% | 3,461 |
| Noninterest income to average assets | 0.9114% | 1,931 |
| Noninterest expense to average assets | 2.6767% | 5,426 |
| Loan and lease loss provision to assets | 0.2717% | 4,793 |
| Net operating income to assets | 1.6547% | 600 |
| Return on assets (ROA) | 1.6552% | 652 |
| Pretax return on assets | 1.6572% | 1,051 |
| Return on Equity (ROE) | 14.5517% | 828 |
| Retained earnings to average equity (ytd only) | 8.4417% | 997 |
| Net charge-offs to loans | 0.4477% | 3,439 |
| Credit loss provision to net charge-offs | 81.6944% | 5,716 |
| Earnings coverage of net charge-offs (x) | 5.7973% | 2,730 |
| Efficiency ratio | 58.0483% | 6,712 |
| Assets per employee ($millions) | 3.6562% | 4,528 |
| Cash dividends to net income (ytd only)* | 41.9885% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 5,262 |
| Loan loss allowance to noncurrent loans | 60.8649% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 1.7752% | 3,695 |
| Noncurrent loans to loans | 1.9310% | 3,731 |
| Net loans and leases to total assets | 69.4829% | 3,620 |
| Net loans and leases to deposits | 81.3323% | 4,145 |
| Net loans and leases to core deposits | 102.2014% | 4,134 |
| Total domestic deposits to total assets | 85.4309% | 3,007 |
| Equity capital to assets | 11.2951% | 2,753 |
| Core capital (leverage) ratio | 11.0424% | 2,377 |
| Tier 1 risk-based capital ratio | 16.6429% | 2,376 |
| Total risk-based capital ratio | 17.8829% | 2,332 |
| Memoranda: | ||
| Average total assets | $264,942,250 | 2,478 |
| Average earning assets | $254,579,750 | 2,386 |
| Average equity | $30,135,500 | 2,244 |
| Average total loans | $196,844,750 | 2,350 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0233% | 2,084 |
| Cost of funding earning assets | 2.1523% | 3,033 |
| Net interest margin | 3.8710% | 3,243 |
| Noninterest income to average assets | 0.9677% | 1,701 |
| Noninterest expense to average assets | 2.7015% | 5,380 |
| Loan and lease loss provision to assets | 0.2750% | 4,380 |
| Net operating income to assets | 1.7048% | 559 |
| Return on assets (ROA) | 1.7048% | 607 |
| Pretax return on assets | 1.7071% | 1,000 |
| Return on Equity (ROE) | 14.9516% | 835 |
| Retained earnings to average equity (ytd only) | 8.3332% | 1,111 |
| Net charge-offs to loans | 0.5046% | 2,813 |
| Credit loss provision to net charge-offs | 72.0000% | 5,385 |
| Earnings coverage of net charge-offs (x) | 5.1900% | 2,891 |
| Efficiency ratio | 57.5995% | 6,926 |
| Assets per employee ($millions) | 3.5663% | 4,650 |
| Cash dividends to net income (ytd only)* | 44.2652% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1504% | 5,266 |
| Loan loss allowance to noncurrent loans | 52.3532% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 1.8757% | 3,365 |
| Noncurrent loans to loans | 2.1974% | 3,259 |
| Net loans and leases to total assets | 72.1851% | 3,167 |
| Net loans and leases to deposits | 84.2729% | 3,830 |
| Net loans and leases to core deposits | 105.9716% | 3,846 |
| Total domestic deposits to total assets | 85.6564% | 2,938 |
| Equity capital to assets | 11.3122% | 2,671 |
| Core capital (leverage) ratio | 11.2263% | 2,245 |
| Tier 1 risk-based capital ratio | 16.4669% | 2,456 |
| Total risk-based capital ratio | 17.7109% | 2,406 |
| Memoranda: | ||
| Average total assets | $261,850,670 | 2,522 |
| Average earning assets | $251,358,330 | 2,429 |
| Average equity | $29,856,330 | 2,274 |
| Average total loans | $198,193,000 | 2,372 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9896% | 2,405 |
| Cost of funding earning assets | 2.2019% | 3,159 |
| Net interest margin | 3.7877% | 3,501 |
| Noninterest income to average assets | 0.9605% | 1,604 |
| Noninterest expense to average assets | 2.6251% | 5,343 |
| Loan and lease loss provision to assets | 0.2779% | 3,732 |
| Net operating income to assets | 1.6924% | 656 |
| Return on assets (ROA) | 1.6924% | 722 |
| Pretax return on assets | 1.6939% | 1,192 |
| Return on Equity (ROE) | 14.7828% | 1,019 |
| Retained earnings to average equity (ytd only) | 14.7828% | 440 |
| Net charge-offs to loans | 0.5130% | 2,181 |
| Credit loss provision to net charge-offs | 70.3125% | 4,345 |
| Earnings coverage of net charge-offs (x) | 4.9883% | 2,780 |
| Efficiency ratio | 57.0373% | 6,816 |
| Assets per employee ($millions) | 3.3540% | 5,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 5,052 |
| Loan loss allowance to noncurrent loans | 53.0654% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 2.0970% | 2,757 |
| Noncurrent loans to loans | 2.1859% | 3,002 |
| Net loans and leases to total assets | 75.2703% | 2,436 |
| Net loans and leases to deposits | 87.4825% | 3,386 |
| Net loans and leases to core deposits | 109.7575% | 3,466 |
| Total domestic deposits to total assets | 86.0404% | 2,696 |
| Equity capital to assets | 11.5300% | 2,571 |
| Core capital (leverage) ratio | 11.4041% | 2,206 |
| Tier 1 risk-based capital ratio | 16.0652% | 2,669 |
| Total risk-based capital ratio | 17.3154% | 2,607 |
| Memoranda: | ||
| Average total assets | $259,040,000 | 2,559 |
| Average earning assets | $248,698,000 | 2,459 |
| Average equity | $29,656,000 | 2,305 |
| Average total loans | $199,628,500 | 2,374 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9503% | 1,258 |
| Cost of funding earning assets | 2.7092% | 3,120 |
| Net interest margin | 4.2411% | 2,156 |
| Noninterest income to average assets | 0.7975% | 2,530 |
| Noninterest expense to average assets | 2.5249% | 5,913 |
| Loan and lease loss provision to assets | 0.2532% | 4,388 |
| Net operating income to assets | 2.0749% | 304 |
| Return on assets (ROA) | 2.0749% | 286 |
| Pretax return on assets | 2.0769% | 513 |
| Return on Equity (ROE) | 18.8256% | 461 |
| Retained earnings to average equity (ytd only) | 5.7686% | 1,636 |
| Net charge-offs to loans | 0.3288% | 3,204 |
| Credit loss provision to net charge-offs | 101.8809% | 5,229 |
| Earnings coverage of net charge-offs (x) | 9.3746% | 2,697 |
| Efficiency ratio | 51.9259% | 7,496 |
| Assets per employee ($millions) | 3.3307% | 5,142 |
| Cash dividends to net income (ytd only)* | 69.3579% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1933% | 4,584 |
| Loan loss allowance to noncurrent loans | 44.5668% | 5,780 |
| Noncurrent assets plus other real estate owned to assets | 2.4537% | 1,976 |
| Noncurrent loans to loans | 2.6776% | 2,024 |
| Net loans and leases to total assets | 77.0633% | 2,358 |
| Net loans and leases to deposits | 89.8888% | 3,474 |
| Net loans and leases to core deposits | 111.5626% | 3,609 |
| Total domestic deposits to total assets | 85.7319% | 2,520 |
| Equity capital to assets | 11.3652% | 2,734 |
| Core capital (leverage) ratio | 11.0400% | 2,564 |
| Tier 1 risk-based capital ratio | 15.3857% | 2,884 |
| Total risk-based capital ratio | 16.6362% | 2,820 |
| Memoranda: | ||
| Average total assets | $256,681,600 | 2,493 |
| Average earning assets | $245,572,400 | 2,402 |
| Average equity | $28,291,200 | 2,388 |
| Average total loans | $194,017,800 | 2,356 |