Home > First National Bank of Gillette > Performance and Condition Ratios
First National Bank of Gillette, 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 | 3.3472% | 4,446 |
| Cost of funding earning assets | 0.9550% | 3,395 |
| Net interest margin | 2.3922% | 4,195 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 1.6718% | 4,167 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.0245% | 2,142 |
| Return on assets (ROA) | 0.9038% | 2,513 |
| Pretax return on assets | 0.9038% | 2,956 |
| Return on Equity (ROE) | 12.4900% | 1,840 |
| Retained earnings to average equity (ytd only) | 7.6360% | 1,661 |
| Net charge-offs to loans | -0.0564% | 4,395 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.6210% | 2,887 |
| Assets per employee ($millions) | 8.5162% | 1,178 |
| Cash dividends to net income (ytd only)* | 38.8529% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6977% | 664 |
| Loan loss allowance to noncurrent loans | 611.2994% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 3,180 |
| Noncurrent loans to loans | 0.2777% | 2,184 |
| Net loans and leases to total assets | 21.0200% | 4,397 |
| Net loans and leases to deposits | 23.0736% | 4,411 |
| Net loans and leases to core deposits | 25.1771% | 4,432 |
| Total domestic deposits to total assets | 91.1000% | 480 |
| Equity capital to assets | 8.5712% | 2,999 |
| Core capital (leverage) ratio | 13.2448% | 984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.9659% | 165 |
| Memoranda: | ||
| Average total assets | $598,028,800 | 1,485 |
| Average earning assets | $587,356,600 | 1,400 |
| Average equity | $43,281,600 | 1,780 |
| Average total loans | $122,323,000 | 2,929 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2790% | 4,461 |
| Cost of funding earning assets | 0.8959% | 3,283 |
| Net interest margin | 2.3831% | 4,249 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 1.6817% | 4,153 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.0234% | 2,291 |
| Return on assets (ROA) | 0.8840% | 2,723 |
| Pretax return on assets | 0.8840% | 3,141 |
| Return on Equity (ROE) | 12.8000% | 1,943 |
| Retained earnings to average equity (ytd only) | 7.9621% | 1,978 |
| Net charge-offs to loans | -0.0452% | 4,341 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.0398% | 2,713 |
| Assets per employee ($millions) | 8.1006% | 1,297 |
| Cash dividends to net income (ytd only)* | 37.8024% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6447% | 793 |
| Loan loss allowance to noncurrent loans | 492.8736% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.0756% | 3,093 |
| Noncurrent loans to loans | 0.3337% | 2,034 |
| Net loans and leases to total assets | 22.2900% | 4,416 |
| Net loans and leases to deposits | 24.0392% | 4,433 |
| Net loans and leases to core deposits | 26.2420% | 4,415 |
| Total domestic deposits to total assets | 92.7300% | 346 |
| Equity capital to assets | 6.8683% | 3,677 |
| Core capital (leverage) ratio | 13.8372% | 861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.5554% | 178 |
| Memoranda: | ||
| Average total assets | $598,502,250 | 1,480 |
| Average earning assets | $587,519,250 | 1,406 |
| Average equity | $41,328,000 | 1,822 |
| Average total loans | $121,037,000 | 2,944 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1949% | 4,499 |
| Cost of funding earning assets | 0.8211% | 3,154 |
| Net interest margin | 2.3739% | 4,321 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 1.6576% | 4,201 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0394% | 2,286 |
| Return on assets (ROA) | 0.8857% | 2,795 |
| Pretax return on assets | 0.8857% | 3,204 |
| Return on Equity (ROE) | 12.8100% | 1,943 |
| Retained earnings to average equity (ytd only) | 7.0822% | 2,254 |
| Net charge-offs to loans | 0.0051% | 2,086 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 1,050.3333% | 138 |
| Efficiency ratio | 61.4604% | 2,781 |
| Assets per employee ($millions) | 7.9372% | 1,345 |
| Cash dividends to net income (ytd only)* | 44.6927% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8093% | 597 |
| Loan loss allowance to noncurrent loans | 1,537.7622% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 3,549 |
| Noncurrent loans to loans | 0.1177% | 2,891 |
| Net loans and leases to total assets | 20.3200% | 4,454 |
| Net loans and leases to deposits | 22.0280% | 4,465 |
| Net loans and leases to core deposits | 23.8583% | 4,452 |
| Total domestic deposits to total assets | 92.2400% | 370 |
| Equity capital to assets | 7.4139% | 3,574 |
| Core capital (leverage) ratio | 13.6879% | 835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.4632% | 162 |
| Memoranda: | ||
| Average total assets | $606,287,667 | 1,462 |
| Average earning assets | $595,571,000 | 1,391 |
| Average equity | $41,936,333 | 1,816 |
| Average total loans | $117,930,667 | 2,972 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1544% | 4,510 |
| Cost of funding earning assets | 0.7679% | 2,846 |
| Net interest margin | 2.3864% | 4,389 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 1.5285% | 4,367 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1518% | 2,058 |
| Return on assets (ROA) | 1.0563% | 2,330 |
| Pretax return on assets | 1.0563% | 2,841 |
| Return on Equity (ROE) | 15.8100% | 1,397 |
| Retained earnings to average equity (ytd only) | 9.9778% | 1,707 |
| Net charge-offs to loans | 0.0964% | 609 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 63.3214% | 993 |
| Efficiency ratio | 57.0286% | 3,302 |
| Assets per employee ($millions) | 8.2344% | 1,234 |
| Cash dividends to net income (ytd only)* | 36.9004% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8848% | 561 |
| Loan loss allowance to noncurrent loans | 910.0418% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.0980% | 2,848 |
| Noncurrent loans to loans | 0.2071% | 2,440 |
| Net loans and leases to total assets | 18.5800% | 4,531 |
| Net loans and leases to deposits | 20.0850% | 4,540 |
| Net loans and leases to core deposits | 21.5788% | 4,528 |
| Total domestic deposits to total assets | 92.5100% | 395 |
| Equity capital to assets | 7.2358% | 3,710 |
| Core capital (leverage) ratio | 12.7857% | 1,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.1593% | 172 |
| Memoranda: | ||
| Average total assets | $615,754,500 | 1,460 |
| Average earning assets | $604,749,000 | 1,391 |
| Average equity | $41,131,500 | 1,864 |
| Average total loans | $116,125,000 | 3,019 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7558% | 4,365 |
| Cost of funding earning assets | 0.3753% | 2,292 |
| Net interest margin | 2.3806% | 4,373 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 1.6607% | 4,231 |
| Loan and lease loss provision to assets | -0.1300% | 4,576 |
| Net operating income to assets | 1.2817% | 1,498 |
| Return on assets (ROA) | 1.0963% | 2,128 |
| Pretax return on assets | 1.0963% | 2,784 |
| Return on Equity (ROE) | 15.5400% | 1,136 |
| Retained earnings to average equity (ytd only) | 11.5019% | 779 |
| Net charge-offs to loans | -0.2279% | 4,639 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.0125% | 3,189 |
| Assets per employee ($millions) | 8.5228% | 1,082 |
| Cash dividends to net income (ytd only)* | 26.0030% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8844% | 557 |
| Loan loss allowance to noncurrent loans | 974.3363% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.0939% | 2,894 |
| Noncurrent loans to loans | 0.1934% | 2,509 |
| Net loans and leases to total assets | 18.4300% | 4,559 |
| Net loans and leases to deposits | 19.6828% | 4,569 |
| Net loans and leases to core deposits | 21.0434% | 4,558 |
| Total domestic deposits to total assets | 93.6300% | 284 |
| Equity capital to assets | 6.1353% | 4,040 |
| Core capital (leverage) ratio | 12.4762% | 1,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.9029% | 171 |
| Memoranda: | ||
| Average total assets | $613,890,600 | 1,448 |
| Average earning assets | $603,049,800 | 1,384 |
| Average equity | $43,297,200 | 1,810 |
| Average total loans | $110,149,000 | 3,026 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6644% | 4,324 |
| Cost of funding earning assets | 0.2776% | 2,410 |
| Net interest margin | 2.3868% | 4,342 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 1.6569% | 4,232 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1147% | 2,031 |
| Return on assets (ROA) | 0.9076% | 2,815 |
| Pretax return on assets | 0.9076% | 3,290 |
| Return on Equity (ROE) | 12.4600% | 1,886 |
| Retained earnings to average equity (ytd only) | 7.2230% | 2,290 |
| Net charge-offs to loans | -0.3024% | 4,690 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.7814% | 3,140 |
| Assets per employee ($millions) | 8.2018% | 1,219 |
| Cash dividends to net income (ytd only)* | 42.0168% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7123% | 180 |
| Loan loss allowance to noncurrent loans | 1,028.9655% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.1082% | 2,883 |
| Noncurrent loans to loans | 0.2636% | 2,318 |
| Net loans and leases to total assets | 17.8800% | 4,605 |
| Net loans and leases to deposits | 18.8280% | 4,616 |
| Net loans and leases to core deposits | 20.2202% | 4,601 |
| Total domestic deposits to total assets | 94.9500% | 231 |
| Equity capital to assets | 4.7342% | 4,343 |
| Core capital (leverage) ratio | 12.0843% | 1,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.5943% | 149 |
| Memoranda: | ||
| Average total assets | $611,822,000 | 1,460 |
| Average earning assets | $600,854,000 | 1,389 |
| Average equity | $44,578,500 | 1,787 |
| Average total loans | $108,472,500 | 3,055 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6251% | 4,247 |
| Cost of funding earning assets | 0.2461% | 2,325 |
| Net interest margin | 2.3790% | 4,252 |
| Noninterest income to average assets | 0.4164% | 2,653 |
| Noninterest expense to average assets | 1.6502% | 4,213 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1042% | 1,760 |
| Return on assets (ROA) | 0.8786% | 2,652 |
| Pretax return on assets | 0.8786% | 3,124 |
| Return on Equity (ROE) | 10.8302% | 2,041 |
| Retained earnings to average equity (ytd only) | 5.4291% | 2,541 |
| Net charge-offs to loans | -0.1519% | 4,539 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9104% | 3,308 |
| Assets per employee ($millions) | 8.1478% | 1,230 |
| Cash dividends to net income (ytd only)* | 49.8707% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5030% | 262 |
| Loan loss allowance to noncurrent loans | 456.4725% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 2,993 |
| Noncurrent loans to loans | 0.5483% | 1,520 |
| Net loans and leases to total assets | 18.2244% | 4,667 |
| Net loans and leases to deposits | 19.1878% | 4,679 |
| Net loans and leases to core deposits | 20.7271% | 4,669 |
| Total domestic deposits to total assets | 94.9791% | 146 |
| Equity capital to assets | 4.7303% | 4,528 |
| Core capital (leverage) ratio | 12.6308% | 928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.6018% | 123 |
| Memoranda: | ||
| Average total assets | $616,184,667 | 1,462 |
| Average earning assets | $605,547,000 | 1,390 |
| Average equity | $49,989,667 | 1,685 |
| Average total loans | $107,957,333 | 3,094 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7784% | 3,784 |
| Cost of funding earning assets | 0.2385% | 2,283 |
| Net interest margin | 2.5400% | 3,809 |
| Noninterest income to average assets | 0.4316% | 2,488 |
| Noninterest expense to average assets | 1.6127% | 4,275 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3160% | 967 |
| Return on assets (ROA) | 1.0687% | 1,616 |
| Pretax return on assets | 1.0687% | 2,236 |
| Return on Equity (ROE) | 10.9611% | 1,633 |
| Retained earnings to average equity (ytd only) | 6.6794% | 2,001 |
| Net charge-offs to loans | -0.2425% | 4,632 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0658% | 3,968 |
| Assets per employee ($millions) | 8.2940% | 1,213 |
| Cash dividends to net income (ytd only)* | 39.0625% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7467% | 211 |
| Loan loss allowance to noncurrent loans | 297.4522% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.1535% | 2,718 |
| Noncurrent loans to loans | 0.9234% | 991 |
| Net loans and leases to total assets | 16.1645% | 4,702 |
| Net loans and leases to deposits | 17.5093% | 4,709 |
| Net loans and leases to core deposits | 18.7769% | 4,703 |
| Total domestic deposits to total assets | 92.3196% | 469 |
| Equity capital to assets | 7.4166% | 3,982 |
| Core capital (leverage) ratio | 12.3862% | 945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.8445% | 105 |
| Memoranda: | ||
| Average total assets | $622,807,000 | 1,450 |
| Average earning assets | $612,284,500 | 1,387 |
| Average equity | $60,724,000 | 1,464 |
| Average total loans | $105,584,500 | 3,118 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5430% | 4,452 |
| Cost of funding earning assets | 0.2571% | 2,844 |
| Net interest margin | 2.2859% | 4,424 |
| Noninterest income to average assets | 0.6213% | 2,069 |
| Noninterest expense to average assets | 1.6660% | 4,342 |
| Loan and lease loss provision to assets | -0.1118% | 4,564 |
| Net operating income to assets | 1.3134% | 1,566 |
| Return on assets (ROA) | 0.9645% | 2,883 |
| Pretax return on assets | 0.9645% | 3,347 |
| Return on Equity (ROE) | 7.8673% | 3,257 |
| Retained earnings to average equity (ytd only) | 5.1315% | 2,734 |
| Net charge-offs to loans | -0.0493% | 4,320 |
| Credit loss provision to net charge-offs | 985.9155% | 542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0985% | 3,430 |
| Assets per employee ($millions) | 8.5386% | 1,069 |
| Cash dividends to net income (ytd only)* | 34.7740% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5093% | 276 |
| Loan loss allowance to noncurrent loans | 336.4865% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.1462% | 2,918 |
| Noncurrent loans to loans | 0.7457% | 1,365 |
| Net loans and leases to total assets | 16.8420% | 4,743 |
| Net loans and leases to deposits | 19.2019% | 4,749 |
| Net loans and leases to core deposits | 20.5493% | 4,738 |
| Total domestic deposits to total assets | 87.7100% | 2,189 |
| Equity capital to assets | 12.0167% | 1,244 |
| Core capital (leverage) ratio | 12.1113% | 1,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.4698% | 128 |
| Memoranda: | ||
| Average total assets | $626,095,600 | 1,402 |
| Average earning assets | $615,251,200 | 1,349 |
| Average equity | $76,761,200 | 1,246 |
| Average total loans | $143,982,000 | 2,690 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5184% | 4,557 |
| Cost of funding earning assets | 0.2633% | 2,979 |
| Net interest margin | 2.2551% | 4,524 |
| Noninterest income to average assets | 0.6587% | 1,978 |
| Noninterest expense to average assets | 1.6440% | 4,408 |
| Loan and lease loss provision to assets | -0.0853% | 4,569 |
| Net operating income to assets | 1.3176% | 1,767 |
| Return on assets (ROA) | 0.9801% | 3,066 |
| Pretax return on assets | 0.9801% | 3,520 |
| Return on Equity (ROE) | 7.9545% | 3,414 |
| Retained earnings to average equity (ytd only) | 4.3168% | 3,473 |
| Net charge-offs to loans | -0.0463% | 4,321 |
| Credit loss provision to net charge-offs | 754.7170% | 613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1577% | 3,399 |
| Assets per employee ($millions) | 8.1661% | 1,197 |
| Cash dividends to net income (ytd only)* | 45.7317% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4278% | 318 |
| Loan loss allowance to noncurrent loans | 313.7072% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.1752% | 2,947 |
| Noncurrent loans to loans | 0.7739% | 1,461 |
| Net loans and leases to total assets | 19.8240% | 4,800 |
| Net loans and leases to deposits | 22.7941% | 4,801 |
| Net loans and leases to core deposits | 24.4773% | 4,790 |
| Total domestic deposits to total assets | 86.9698% | 2,365 |
| Equity capital to assets | 12.6145% | 1,130 |
| Core capital (leverage) ratio | 12.2245% | 1,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.3024% | 127 |
| Memoranda: | ||
| Average total assets | $624,655,750 | 1,422 |
| Average earning assets | $614,241,750 | 1,362 |
| Average equity | $76,969,500 | 1,263 |
| Average total loans | $152,688,500 | 2,646 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4800% | 4,632 |
| Cost of funding earning assets | 0.2666% | 3,117 |
| Net interest margin | 2.2134% | 4,588 |
| Noninterest income to average assets | 0.6903% | 1,850 |
| Noninterest expense to average assets | 1.6666% | 4,413 |
| Loan and lease loss provision to assets | -0.1272% | 4,677 |
| Net operating income to assets | 1.3275% | 1,784 |
| Return on assets (ROA) | 1.0529% | 2,785 |
| Pretax return on assets | 1.0529% | 3,327 |
| Return on Equity (ROE) | 8.6116% | 3,225 |
| Retained earnings to average equity (ytd only) | 4.1887% | 3,461 |
| Net charge-offs to loans | -0.0358% | 4,228 |
| Credit loss provision to net charge-offs | 1,379.3103% | 381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1336% | 3,267 |
| Assets per employee ($millions) | 8.6129% | 975 |
| Cash dividends to net income (ytd only)* | 51.3595% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1157% | 488 |
| Loan loss allowance to noncurrent loans | 115.8871% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.4232% | 1,924 |
| Noncurrent loans to loans | 1.8257% | 563 |
| Net loans and leases to total assets | 21.7623% | 4,805 |
| Net loans and leases to deposits | 24.8887% | 4,821 |
| Net loans and leases to core deposits | 26.7060% | 4,815 |
| Total domestic deposits to total assets | 87.4385% | 2,120 |
| Equity capital to assets | 11.9730% | 1,375 |
| Core capital (leverage) ratio | 11.6953% | 1,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.6403% | 130 |
| Memoranda: | ||
| Average total assets | $628,722,667 | 1,408 |
| Average earning assets | $618,222,333 | 1,348 |
| Average equity | $76,873,333 | 1,255 |
| Average total loans | $162,106,667 | 2,581 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5759% | 4,590 |
| Cost of funding earning assets | 0.2719% | 3,252 |
| Net interest margin | 2.3040% | 4,518 |
| Noninterest income to average assets | 0.7495% | 1,712 |
| Noninterest expense to average assets | 1.6880% | 4,398 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3248% | 1,745 |
| Return on assets (ROA) | 1.3344% | 1,811 |
| Pretax return on assets | 1.3344% | 2,475 |
| Return on Equity (ROE) | 10.7990% | 2,424 |
| Retained earnings to average equity (ytd only) | 7.6884% | 2,353 |
| Net charge-offs to loans | -0.0604% | 4,469 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0281% | 3,545 |
| Assets per employee ($millions) | 8.8893% | 866 |
| Cash dividends to net income (ytd only)* | 28.8046% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9578% | 647 |
| Loan loss allowance to noncurrent loans | 116.5065% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.4617% | 2,007 |
| Noncurrent loans to loans | 1.6804% | 716 |
| Net loans and leases to total assets | 26.9382% | 4,772 |
| Net loans and leases to deposits | 30.7859% | 4,784 |
| Net loans and leases to core deposits | 32.9517% | 4,776 |
| Total domestic deposits to total assets | 87.5017% | 2,088 |
| Equity capital to assets | 11.9968% | 1,284 |
| Core capital (leverage) ratio | 11.9158% | 1,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.6914% | 130 |
| Memoranda: | ||
| Average total assets | $624,408,500 | 1,402 |
| Average earning assets | $613,373,000 | 1,348 |
| Average equity | $77,155,000 | 1,249 |
| Average total loans | $172,310,000 | 2,497 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8460% | 4,732 |
| Cost of funding earning assets | 0.4846% | 3,046 |
| Net interest margin | 2.3614% | 4,681 |
| Noninterest income to average assets | 0.7316% | 1,737 |
| Noninterest expense to average assets | 1.6935% | 4,624 |
| Loan and lease loss provision to assets | 0.1293% | 2,743 |
| Net operating income to assets | 1.2245% | 1,465 |
| Return on assets (ROA) | 0.9529% | 2,615 |
| Pretax return on assets | 0.9529% | 3,210 |
| Return on Equity (ROE) | 7.4757% | 3,010 |
| Retained earnings to average equity (ytd only) | 3.5134% | 3,072 |
| Net charge-offs to loans | 0.2453% | 700 |
| Credit loss provision to net charge-offs | 204.4855% | 2,142 |
| Earnings coverage of net charge-offs (x) | 21.4142% | 1,900 |
| Efficiency ratio | 55.5750% | 4,036 |
| Assets per employee ($millions) | 8.3470% | 927 |
| Cash dividends to net income (ytd only)* | 53.0019% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9678% | 633 |
| Loan loss allowance to noncurrent loans | 108.5024% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 0.5027% | 2,061 |
| Noncurrent loans to loans | 1.8136% | 684 |
| Net loans and leases to total assets | 27.1725% | 4,807 |
| Net loans and leases to deposits | 31.2769% | 4,821 |
| Net loans and leases to core deposits | 33.2466% | 4,820 |
| Total domestic deposits to total assets | 86.8772% | 1,996 |
| Equity capital to assets | 12.7240% | 1,218 |
| Core capital (leverage) ratio | 11.6001% | 1,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.4159% | 149 |
| Memoranda: | ||
| Average total assets | $599,520,000 | 1,330 |
| Average earning assets | $587,921,200 | 1,285 |
| Average equity | $76,421,200 | 1,203 |
| Average total loans | $154,488,600 | 2,621 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7800% | 4,840 |
| Cost of funding earning assets | 0.5402% | 2,989 |
| Net interest margin | 2.2398% | 4,800 |
| Noninterest income to average assets | 0.8074% | 1,468 |
| Noninterest expense to average assets | 1.6603% | 4,668 |
| Loan and lease loss provision to assets | 0.1121% | 2,920 |
| Net operating income to assets | 1.2316% | 1,546 |
| Return on assets (ROA) | 1.0429% | 2,303 |
| Pretax return on assets | 1.0429% | 2,930 |
| Return on Equity (ROE) | 8.1778% | 2,735 |
| Retained earnings to average equity (ytd only) | 2.8554% | 3,579 |
| Net charge-offs to loans | 0.3309% | 473 |
| Credit loss provision to net charge-offs | 134.0483% | 2,423 |
| Earnings coverage of net charge-offs (x) | 16.0751% | 2,070 |
| Efficiency ratio | 55.2704% | 4,007 |
| Assets per employee ($millions) | 8.5035% | 842 |
| Cash dividends to net income (ytd only)* | 65.0838% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7616% | 787 |
| Loan loss allowance to noncurrent loans | 83.6481% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 0.5970% | 1,940 |
| Noncurrent loans to loans | 2.1059% | 568 |
| Net loans and leases to total assets | 27.8503% | 4,853 |
| Net loans and leases to deposits | 31.9964% | 4,879 |
| Net loans and leases to core deposits | 34.1561% | 4,872 |
| Total domestic deposits to total assets | 87.0418% | 1,652 |
| Equity capital to assets | 12.4546% | 1,446 |
| Core capital (leverage) ratio | 11.4028% | 1,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.0853% | 275 |
| Memoranda: | ||
| Average total assets | $594,981,250 | 1,321 |
| Average earning assets | $583,496,500 | 1,272 |
| Average equity | $75,878,250 | 1,204 |
| Average total loans | $150,309,000 | 2,665 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8589% | 4,892 |
| Cost of funding earning assets | 0.5951% | 2,992 |
| Net interest margin | 2.2638% | 4,852 |
| Noninterest income to average assets | 0.7538% | 1,568 |
| Noninterest expense to average assets | 1.6985% | 4,683 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2739% | 1,425 |
| Return on assets (ROA) | 1.0314% | 2,347 |
| Pretax return on assets | 1.0314% | 2,927 |
| Return on Equity (ROE) | 8.0212% | 2,740 |
| Retained earnings to average equity (ytd only) | 1.3156% | 4,004 |
| Net charge-offs to loans | 0.6081% | 262 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 8.6659% | 2,272 |
| Efficiency ratio | 57.1429% | 3,795 |
| Assets per employee ($millions) | 8.9101% | 698 |
| Cash dividends to net income (ytd only)* | 83.5979% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4040% | 1,568 |
| Loan loss allowance to noncurrent loans | 54.6549% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 0.7352% | 1,681 |
| Noncurrent loans to loans | 2.5688% | 444 |
| Net loans and leases to total assets | 28.2185% | 4,885 |
| Net loans and leases to deposits | 32.3769% | 4,911 |
| Net loans and leases to core deposits | 36.6167% | 4,872 |
| Total domestic deposits to total assets | 87.1563% | 1,559 |
| Equity capital to assets | 12.2836% | 1,492 |
| Core capital (leverage) ratio | 11.3646% | 1,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9728% | 310 |
| Memoranda: | ||
| Average total assets | $586,391,000 | 1,318 |
| Average earning assets | $574,693,333 | 1,259 |
| Average equity | $75,400,333 | 1,201 |
| Average total loans | $141,751,667 | 2,724 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0243% | 4,947 |
| Cost of funding earning assets | 0.6692% | 3,061 |
| Net interest margin | 2.3551% | 4,903 |
| Noninterest income to average assets | 0.5660% | 2,202 |
| Noninterest expense to average assets | 1.6709% | 4,800 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2015% | 1,511 |
| Return on assets (ROA) | 0.9885% | 2,318 |
| Pretax return on assets | 0.9885% | 2,874 |
| Return on Equity (ROE) | 7.4993% | 2,731 |
| Retained earnings to average equity (ytd only) | -2.3543% | 4,289 |
| Net charge-offs to loans | -0.1278% | 4,869 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1706% | 3,976 |
| Assets per employee ($millions) | 7.9951% | 735 |
| Cash dividends to net income (ytd only)* | 131.3937% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4727% | 256 |
| Loan loss allowance to noncurrent loans | 60.0718% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 0.8959% | 1,499 |
| Noncurrent loans to loans | 4.1163% | 183 |
| Net loans and leases to total assets | 21.2265% | 5,001 |
| Net loans and leases to deposits | 24.6360% | 5,012 |
| Net loans and leases to core deposits | 28.4880% | 4,997 |
| Total domestic deposits to total assets | 86.1605% | 1,937 |
| Equity capital to assets | 13.5329% | 1,207 |
| Core capital (leverage) ratio | 12.2098% | 1,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.7824% | 189 |
| Memoranda: | ||
| Average total assets | $563,279,500 | 1,329 |
| Average earning assets | $551,664,000 | 1,263 |
| Average equity | $74,246,500 | 1,211 |
| Average total loans | $122,099,500 | 2,931 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1512% | 5,013 |
| Cost of funding earning assets | 0.6860% | 3,228 |
| Net interest margin | 2.4652% | 4,982 |
| Noninterest income to average assets | 0.5152% | 2,645 |
| Noninterest expense to average assets | 1.8210% | 4,751 |
| Loan and lease loss provision to assets | 0.0183% | 3,645 |
| Net operating income to assets | 1.0889% | 2,480 |
| Return on assets (ROA) | 0.9172% | 3,216 |
| Pretax return on assets | 0.9172% | 3,687 |
| Return on Equity (ROE) | 7.3750% | 3,412 |
| Retained earnings to average equity (ytd only) | 4.8725% | 2,486 |
| Net charge-offs to loans | 0.3454% | 586 |
| Credit loss provision to net charge-offs | 22.4215% | 3,310 |
| Earnings coverage of net charge-offs (x) | 13.5605% | 2,349 |
| Efficiency ratio | 62.1882% | 3,345 |
| Assets per employee ($millions) | 8.2159% | 660 |
| Cash dividends to net income (ytd only)* | 33.9321% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4291% | 236 |
| Loan loss allowance to noncurrent loans | 54.1037% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 1.0415% | 1,193 |
| Noncurrent loans to loans | 4.4897% | 127 |
| Net loans and leases to total assets | 21.0651% | 5,061 |
| Net loans and leases to deposits | 24.2595% | 5,077 |
| Net loans and leases to core deposits | 27.7489% | 5,059 |
| Total domestic deposits to total assets | 86.8324% | 1,697 |
| Equity capital to assets | 12.8338% | 1,617 |
| Core capital (leverage) ratio | 12.2470% | 1,630 |
| Tier 1 risk-based capital ratio | 35.0624% | 328 |
| Total risk-based capital ratio | 36.3154% | 322 |
| Memoranda: | ||
| Average total assets | $546,230,600 | 1,316 |
| Average earning assets | $534,692,000 | 1,261 |
| Average equity | $67,932,000 | 1,244 |
| Average total loans | $129,130,400 | 2,831 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1609% | 5,103 |
| Cost of funding earning assets | 0.6788% | 3,319 |
| Net interest margin | 2.4821% | 5,070 |
| Noninterest income to average assets | 0.5029% | 2,715 |
| Noninterest expense to average assets | 1.8132% | 4,800 |
| Loan and lease loss provision to assets | 0.1725% | 1,069 |
| Net operating income to assets | 0.9468% | 3,178 |
| Return on assets (ROA) | 0.7947% | 3,767 |
| Pretax return on assets | 0.7947% | 4,126 |
| Return on Equity (ROE) | 6.4441% | 3,900 |
| Retained earnings to average equity (ytd only) | 3.0472% | 3,870 |
| Net charge-offs to loans | 0.4179% | 396 |
| Credit loss provision to net charge-offs | 170.7317% | 1,488 |
| Earnings coverage of net charge-offs (x) | 11.0781% | 2,455 |
| Efficiency ratio | 61.8319% | 3,349 |
| Assets per employee ($millions) | 7.9805% | 696 |
| Cash dividends to net income (ytd only)* | 52.7132% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8151% | 156 |
| Loan loss allowance to noncurrent loans | 60.6861% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 1.1543% | 1,121 |
| Noncurrent loans to loans | 4.6387% | 120 |
| Net loans and leases to total assets | 22.6266% | 5,141 |
| Net loans and leases to deposits | 26.0847% | 5,149 |
| Net loans and leases to core deposits | 30.2292% | 5,132 |
| Total domestic deposits to total assets | 86.7426% | 1,655 |
| Equity capital to assets | 12.8595% | 1,705 |
| Core capital (leverage) ratio | 12.4679% | 1,589 |
| Tier 1 risk-based capital ratio | 33.0666% | 396 |
| Total risk-based capital ratio | 34.3229% | 389 |
| Memoranda: | ||
| Average total assets | $541,063,250 | 1,336 |
| Average earning assets | $529,583,500 | 1,275 |
| Average equity | $66,726,250 | 1,267 |
| Average total loans | $130,815,250 | 2,844 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1543% | 5,166 |
| Cost of funding earning assets | 0.6691% | 3,320 |
| Net interest margin | 2.4853% | 5,134 |
| Noninterest income to average assets | 0.4901% | 2,732 |
| Noninterest expense to average assets | 1.8202% | 4,854 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1036% | 2,511 |
| Return on assets (ROA) | 0.9835% | 3,047 |
| Pretax return on assets | 0.9835% | 3,602 |
| Return on Equity (ROE) | 8.0931% | 3,254 |
| Retained earnings to average equity (ytd only) | 4.4213% | 3,055 |
| Net charge-offs to loans | -0.2111% | 5,136 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2536% | 3,388 |
| Assets per employee ($millions) | 7.3565% | 860 |
| Cash dividends to net income (ytd only)* | 45.3686% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6370% | 186 |
| Loan loss allowance to noncurrent loans | 46.6478% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 1.4955% | 755 |
| Noncurrent loans to loans | 5.6530% | 78 |
| Net loans and leases to total assets | 23.7744% | 5,177 |
| Net loans and leases to deposits | 27.4343% | 5,192 |
| Net loans and leases to core deposits | 32.0282% | 5,163 |
| Total domestic deposits to total assets | 86.6595% | 1,740 |
| Equity capital to assets | 12.9858% | 1,596 |
| Core capital (leverage) ratio | 12.6076% | 1,483 |
| Tier 1 risk-based capital ratio | 32.5800% | 403 |
| Total risk-based capital ratio | 33.8352% | 394 |
| Memoranda: | ||
| Average total assets | $537,866,670 | 1,344 |
| Average earning assets | $526,705,670 | 1,281 |
| Average equity | $65,364,670 | 1,283 |
| Average total loans | $131,686,000 | 2,846 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1468% | 5,223 |
| Cost of funding earning assets | 0.6576% | 3,276 |
| Net interest margin | 2.4892% | 5,193 |
| Noninterest income to average assets | 0.4072% | 3,143 |
| Noninterest expense to average assets | 1.7990% | 4,925 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0470% | 2,670 |
| Return on assets (ROA) | 0.9482% | 3,097 |
| Pretax return on assets | 0.9482% | 3,616 |
| Return on Equity (ROE) | 8.0787% | 3,229 |
| Retained earnings to average equity (ytd only) | 5.5462% | 2,671 |
| Net charge-offs to loans | -0.4092% | 5,252 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2115% | 3,355 |
| Assets per employee ($millions) | 7.8443% | 707 |
| Cash dividends to net income (ytd only)* | 31.3480% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6266% | 210 |
| Loan loss allowance to noncurrent loans | 48.6410% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 1.3517% | 941 |
| Noncurrent loans to loans | 5.4000% | 98 |
| Net loans and leases to total assets | 23.6573% | 5,241 |
| Net loans and leases to deposits | 27.0150% | 5,246 |
| Net loans and leases to core deposits | 31.3462% | 5,222 |
| Total domestic deposits to total assets | 87.5710% | 1,535 |
| Equity capital to assets | 12.1476% | 1,937 |
| Core capital (leverage) ratio | 12.5844% | 1,462 |
| Tier 1 risk-based capital ratio | 32.3777% | 401 |
| Total risk-based capital ratio | 33.6328% | 397 |
| Memoranda: | ||
| Average total assets | $538,286,500 | 1,343 |
| Average earning assets | $527,395,000 | 1,283 |
| Average equity | $63,178,500 | 1,313 |
| Average total loans | $131,962,500 | 2,880 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8771% | 5,269 |
| Cost of funding earning assets | 0.4914% | 3,414 |
| Net interest margin | 2.3857% | 5,254 |
| Noninterest income to average assets | 0.4756% | 2,969 |
| Noninterest expense to average assets | 1.7327% | 5,059 |
| Loan and lease loss provision to assets | 0.1594% | 1,292 |
| Net operating income to assets | 0.9107% | 3,401 |
| Return on assets (ROA) | 0.7340% | 4,031 |
| Pretax return on assets | 0.7340% | 4,329 |
| Return on Equity (ROE) | 6.6257% | 3,957 |
| Retained earnings to average equity (ytd only) | 4.4250% | 3,098 |
| Net charge-offs to loans | 0.6439% | 263 |
| Credit loss provision to net charge-offs | 102.5332% | 2,465 |
| Earnings coverage of net charge-offs (x) | 6.8830% | 3,042 |
| Efficiency ratio | 61.8200% | 3,563 |
| Assets per employee ($millions) | 7.7582% | 722 |
| Cash dividends to net income (ytd only)* | 33.2141% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5063% | 235 |
| Loan loss allowance to noncurrent loans | 36.6700% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 1.6938% | 632 |
| Noncurrent loans to loans | 6.8349% | 57 |
| Net loans and leases to total assets | 24.1176% | 5,279 |
| Net loans and leases to deposits | 27.2860% | 5,288 |
| Net loans and leases to core deposits | 31.5857% | 5,263 |
| Total domestic deposits to total assets | 88.3881% | 1,123 |
| Equity capital to assets | 11.3217% | 2,393 |
| Core capital (leverage) ratio | 12.3814% | 1,521 |
| Tier 1 risk-based capital ratio | 31.7031% | 400 |
| Total risk-based capital ratio | 32.9574% | 400 |
| Memoranda: | ||
| Average total assets | $533,218,200 | 1,325 |
| Average earning assets | $520,138,200 | 1,266 |
| Average equity | $59,073,400 | 1,339 |
| Average total loans | $128,737,800 | 2,888 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8296% | 5,347 |
| Cost of funding earning assets | 0.4472% | 3,537 |
| Net interest margin | 2.3823% | 5,326 |
| Noninterest income to average assets | 0.4588% | 3,114 |
| Noninterest expense to average assets | 1.7185% | 5,118 |
| Loan and lease loss provision to assets | 0.1126% | 1,802 |
| Net operating income to assets | 0.9461% | 3,317 |
| Return on assets (ROA) | 0.7406% | 4,114 |
| Pretax return on assets | 0.7406% | 4,443 |
| Return on Equity (ROE) | 6.7222% | 4,027 |
| Retained earnings to average equity (ytd only) | 3.7689% | 3,892 |
| Net charge-offs to loans | 0.3985% | 411 |
| Credit loss provision to net charge-offs | 117.8010% | 2,007 |
| Earnings coverage of net charge-offs (x) | 11.0733% | 2,543 |
| Efficiency ratio | 61.8782% | 3,531 |
| Assets per employee ($millions) | 7.4634% | 787 |
| Cash dividends to net income (ytd only)* | 43.9338% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4850% | 247 |
| Loan loss allowance to noncurrent loans | 33.5359% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 1.9521% | 550 |
| Noncurrent loans to loans | 7.4099% | 51 |
| Net loans and leases to total assets | 25.6494% | 5,327 |
| Net loans and leases to deposits | 28.9676% | 5,354 |
| Net loans and leases to core deposits | 33.7586% | 5,323 |
| Total domestic deposits to total assets | 88.5451% | 1,029 |
| Equity capital to assets | 11.1054% | 2,565 |
| Core capital (leverage) ratio | 12.5404% | 1,480 |
| Tier 1 risk-based capital ratio | 30.6640% | 449 |
| Total risk-based capital ratio | 31.9184% | 441 |
| Memoranda: | ||
| Average total assets | $532,694,000 | 1,330 |
| Average earning assets | $518,417,750 | 1,274 |
| Average equity | $58,690,000 | 1,348 |
| Average total loans | $127,816,250 | 2,928 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7256% | 5,429 |
| Cost of funding earning assets | 0.4177% | 3,588 |
| Net interest margin | 2.3079% | 5,414 |
| Noninterest income to average assets | 0.3888% | 3,565 |
| Noninterest expense to average assets | 1.7286% | 5,164 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9068% | 3,430 |
| Return on assets (ROA) | 0.6985% | 4,204 |
| Pretax return on assets | 0.6985% | 4,515 |
| Return on Equity (ROE) | 6.3558% | 4,118 |
| Retained earnings to average equity (ytd only) | 2.9769% | 4,067 |
| Net charge-offs to loans | 0.4343% | 355 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 8.9779% | 2,429 |
| Efficiency ratio | 65.5911% | 3,042 |
| Assets per employee ($millions) | 7.5024% | 763 |
| Cash dividends to net income (ytd only)* | 53.1632% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4437% | 262 |
| Loan loss allowance to noncurrent loans | 40.1113% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 1.4428% | 936 |
| Noncurrent loans to loans | 6.0922% | 86 |
| Net loans and leases to total assets | 23.0028% | 5,418 |
| Net loans and leases to deposits | 25.9785% | 5,431 |
| Net loans and leases to core deposits | 31.1298% | 5,396 |
| Total domestic deposits to total assets | 88.5456% | 1,127 |
| Equity capital to assets | 11.0419% | 2,597 |
| Core capital (leverage) ratio | 12.1178% | 1,636 |
| Tier 1 risk-based capital ratio | 31.4051% | 429 |
| Total risk-based capital ratio | 32.6581% | 426 |
| Memoranda: | ||
| Average total assets | $538,600,330 | 1,321 |
| Average earning assets | $524,295,000 | 1,261 |
| Average equity | $59,190,000 | 1,340 |
| Average total loans | $125,270,330 | 2,978 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6176% | 5,505 |
| Cost of funding earning assets | 0.4060% | 3,535 |
| Net interest margin | 2.2116% | 5,501 |
| Noninterest income to average assets | 0.4651% | 3,030 |
| Noninterest expense to average assets | 1.7274% | 5,221 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8912% | 3,331 |
| Return on assets (ROA) | 0.6932% | 4,132 |
| Pretax return on assets | 0.6932% | 4,458 |
| Return on Equity (ROE) | 6.3221% | 4,048 |
| Retained earnings to average equity (ytd only) | 3.6461% | 3,742 |
| Net charge-offs to loans | 0.0476% | 1,638 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 699 |
| Efficiency ratio | 65.9664% | 3,161 |
| Assets per employee ($millions) | 7.5819% | 744 |
| Cash dividends to net income (ytd only)* | 42.3280% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6251% | 222 |
| Loan loss allowance to noncurrent loans | 41.4782% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 1.6269% | 826 |
| Noncurrent loans to loans | 6.3288% | 93 |
| Net loans and leases to total assets | 22.6226% | 5,481 |
| Net loans and leases to deposits | 25.4676% | 5,493 |
| Net loans and leases to core deposits | 30.4652% | 5,455 |
| Total domestic deposits to total assets | 88.8292% | 1,191 |
| Equity capital to assets | 10.8353% | 2,734 |
| Core capital (leverage) ratio | 11.8958% | 1,713 |
| Tier 1 risk-based capital ratio | 31.0807% | 434 |
| Total risk-based capital ratio | 32.3351% | 426 |
| Memoranda: | ||
| Average total assets | $545,315,000 | 1,314 |
| Average earning assets | $531,015,500 | 1,263 |
| Average equity | $59,790,500 | 1,333 |
| Average total loans | $125,990,500 | 2,988 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5911% | 5,529 |
| Cost of funding earning assets | 0.3767% | 3,450 |
| Net interest margin | 2.2144% | 5,531 |
| Noninterest income to average assets | 0.4807% | 3,121 |
| Noninterest expense to average assets | 1.6001% | 5,416 |
| Loan and lease loss provision to assets | 0.1879% | 1,124 |
| Net operating income to assets | 0.8506% | 2,949 |
| Return on assets (ROA) | 0.7165% | 3,577 |
| Pretax return on assets | 0.7165% | 4,468 |
| Return on Equity (ROE) | 6.5975% | 3,482 |
| Retained earnings to average equity (ytd only) | 2.8956% | 3,578 |
| Net charge-offs to loans | 0.7013% | 302 |
| Credit loss provision to net charge-offs | 120.3807% | 2,169 |
| Earnings coverage of net charge-offs (x) | 6.6529% | 3,156 |
| Efficiency ratio | 60.6426% | 4,166 |
| Assets per employee ($millions) | 7.7791% | 687 |
| Cash dividends to net income (ytd only)* | 56.1112% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5985% | 219 |
| Loan loss allowance to noncurrent loans | 40.3474% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 1.6471% | 793 |
| Noncurrent loans to loans | 6.4404% | 75 |
| Net loans and leases to total assets | 22.3820% | 5,553 |
| Net loans and leases to deposits | 25.2719% | 5,560 |
| Net loans and leases to core deposits | 30.3242% | 5,526 |
| Total domestic deposits to total assets | 88.5645% | 1,216 |
| Equity capital to assets | 11.0902% | 2,548 |
| Core capital (leverage) ratio | 11.2257% | 2,142 |
| Tier 1 risk-based capital ratio | 30.5621% | 443 |
| Total risk-based capital ratio | 31.8162% | 438 |
| Memoranda: | ||
| Average total assets | $572,073,800 | 1,248 |
| Average earning assets | $557,494,200 | 1,194 |
| Average equity | $62,129,400 | 1,274 |
| Average total loans | $127,344,000 | 2,954 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5647% | 5,600 |
| Cost of funding earning assets | 0.3738% | 3,430 |
| Net interest margin | 2.1909% | 5,602 |
| Noninterest income to average assets | 0.4649% | 3,246 |
| Noninterest expense to average assets | 1.6330% | 5,423 |
| Loan and lease loss provision to assets | 0.0982% | 2,145 |
| Net operating income to assets | 0.8697% | 3,178 |
| Return on assets (ROA) | 0.7459% | 3,820 |
| Pretax return on assets | 0.7459% | 4,497 |
| Return on Equity (ROE) | 6.9030% | 3,715 |
| Retained earnings to average equity (ytd only) | 1.9845% | 4,644 |
| Net charge-offs to loans | 0.0126% | 3,290 |
| Credit loss provision to net charge-offs | 3,541.6667% | 127 |
| Earnings coverage of net charge-offs (x) | 349.0744% | 270 |
| Efficiency ratio | 62.7843% | 3,760 |
| Assets per employee ($millions) | 7.9517% | 645 |
| Cash dividends to net income (ytd only)* | 71.2516% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7494% | 197 |
| Loan loss allowance to noncurrent loans | 35.5531% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 1.8556% | 726 |
| Noncurrent loans to loans | 7.7333% | 56 |
| Net loans and leases to total assets | 22.1097% | 5,622 |
| Net loans and leases to deposits | 25.0163% | 5,628 |
| Net loans and leases to core deposits | 29.8710% | 5,604 |
| Total domestic deposits to total assets | 88.3813% | 1,181 |
| Equity capital to assets | 11.1952% | 2,677 |
| Core capital (leverage) ratio | 10.9976% | 2,462 |
| Tier 1 risk-based capital ratio | 30.3761% | 464 |
| Total risk-based capital ratio | 31.6322% | 459 |
| Memoranda: | ||
| Average total assets | $577,013,500 | 1,248 |
| Average earning assets | $562,550,250 | 1,183 |
| Average equity | $62,348,500 | 1,274 |
| Average total loans | $127,450,750 | 2,974 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5204% | 5,654 |
| Cost of funding earning assets | 0.3640% | 3,438 |
| Net interest margin | 2.1564% | 5,660 |
| Noninterest income to average assets | 0.4515% | 3,341 |
| Noninterest expense to average assets | 1.6150% | 5,482 |
| Loan and lease loss provision to assets | 0.1463% | 1,392 |
| Net operating income to assets | 0.7939% | 3,424 |
| Return on assets (ROA) | 0.6587% | 4,096 |
| Pretax return on assets | 0.6587% | 4,661 |
| Return on Equity (ROE) | 6.1679% | 3,972 |
| Retained earnings to average equity (ytd only) | 2.9454% | 3,965 |
| Net charge-offs to loans | 0.0440% | 2,320 |
| Credit loss provision to net charge-offs | 1,517.8571% | 272 |
| Earnings coverage of net charge-offs (x) | 97.5714% | 663 |
| Efficiency ratio | 63.2054% | 3,801 |
| Assets per employee ($millions) | 8.0213% | 619 |
| Cash dividends to net income (ytd only)* | 52.2466% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6988% | 221 |
| Loan loss allowance to noncurrent loans | 36.2501% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 1.7831% | 777 |
| Noncurrent loans to loans | 7.4451% | 56 |
| Net loans and leases to total assets | 21.9303% | 5,673 |
| Net loans and leases to deposits | 24.7718% | 5,679 |
| Net loans and leases to core deposits | 30.0672% | 5,642 |
| Total domestic deposits to total assets | 88.5293% | 1,185 |
| Equity capital to assets | 11.0773% | 2,727 |
| Core capital (leverage) ratio | 10.6892% | 2,712 |
| Tier 1 risk-based capital ratio | 24.0117% | 849 |
| Total risk-based capital ratio | 25.2629% | 828 |
| Memoranda: | ||
| Average total assets | $581,161,000 | 1,245 |
| Average earning assets | $566,966,330 | 1,179 |
| Average equity | $62,063,000 | 1,281 |
| Average total loans | $127,149,670 | 2,986 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4786% | 5,729 |
| Cost of funding earning assets | 0.3503% | 3,529 |
| Net interest margin | 2.1283% | 5,730 |
| Noninterest income to average assets | 0.4322% | 3,430 |
| Noninterest expense to average assets | 1.6672% | 5,505 |
| Loan and lease loss provision to assets | 0.2058% | 795 |
| Net operating income to assets | 0.6394% | 3,982 |
| Return on assets (ROA) | 0.5386% | 4,473 |
| Pretax return on assets | 0.5386% | 4,873 |
| Return on Equity (ROE) | 5.1359% | 4,327 |
| Retained earnings to average equity (ytd only) | 3.1731% | 3,835 |
| Net charge-offs to loans | 0.0605% | 1,725 |
| Credit loss provision to net charge-offs | 1,578.9474% | 205 |
| Earnings coverage of net charge-offs (x) | 64.8421% | 760 |
| Efficiency ratio | 66.3572% | 3,434 |
| Assets per employee ($millions) | 8.0745% | 600 |
| Cash dividends to net income (ytd only)* | 38.2166% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6336% | 272 |
| Loan loss allowance to noncurrent loans | 39.1359% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 1.5304% | 1,034 |
| Noncurrent loans to loans | 6.7293% | 84 |
| Net loans and leases to total assets | 21.6029% | 5,733 |
| Net loans and leases to deposits | 24.3010% | 5,744 |
| Net loans and leases to core deposits | 29.3824% | 5,700 |
| Total domestic deposits to total assets | 88.8971% | 1,196 |
| Equity capital to assets | 10.7251% | 2,935 |
| Core capital (leverage) ratio | 10.7741% | 2,621 |
| Tier 1 risk-based capital ratio | 30.2100% | 472 |
| Total risk-based capital ratio | 31.4651% | 471 |
| Memoranda: | ||
| Average total assets | $583,008,000 | 1,234 |
| Average earning assets | $569,845,000 | 1,180 |
| Average equity | $61,138,500 | 1,299 |
| Average total loans | $125,641,000 | 3,030 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5210% | 5,753 |
| Cost of funding earning assets | 0.3509% | 3,505 |
| Net interest margin | 2.1701% | 5,764 |
| Noninterest income to average assets | 0.5622% | 2,858 |
| Noninterest expense to average assets | 1.7244% | 5,541 |
| Loan and lease loss provision to assets | 0.2061% | 1,105 |
| Net operating income to assets | 0.7441% | 3,564 |
| Return on assets (ROA) | 0.6939% | 3,920 |
| Pretax return on assets | 0.6939% | 4,514 |
| Return on Equity (ROE) | 6.3633% | 3,807 |
| Retained earnings to average equity (ytd only) | 3.8831% | 3,159 |
| Net charge-offs to loans | 0.1718% | 1,586 |
| Credit loss provision to net charge-offs | 574.1627% | 593 |
| Earnings coverage of net charge-offs (x) | 26.4737% | 1,546 |
| Efficiency ratio | 64.4751% | 3,855 |
| Assets per employee ($millions) | 7.4956% | 732 |
| Cash dividends to net income (ytd only)* | 38.9755% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5480% | 289 |
| Loan loss allowance to noncurrent loans | 44.9186% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 1.3117% | 1,336 |
| Noncurrent loans to loans | 5.6724% | 118 |
| Net loans and leases to total assets | 20.3844% | 5,796 |
| Net loans and leases to deposits | 22.7889% | 5,812 |
| Net loans and leases to core deposits | 27.4797% | 5,778 |
| Total domestic deposits to total assets | 89.4488% | 881 |
| Equity capital to assets | 10.2497% | 3,449 |
| Core capital (leverage) ratio | 10.5155% | 2,864 |
| Tier 1 risk-based capital ratio | 30.8912% | 447 |
| Total risk-based capital ratio | 32.1452% | 443 |
| Memoranda: | ||
| Average total assets | $582,334,800 | 1,200 |
| Average earning assets | $566,844,600 | 1,144 |
| Average equity | $63,505,200 | 1,237 |
| Average total loans | $121,635,800 | 3,042 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5333% | 5,814 |
| Cost of funding earning assets | 0.3528% | 3,509 |
| Net interest margin | 2.1805% | 5,825 |
| Noninterest income to average assets | 0.5794% | 2,769 |
| Noninterest expense to average assets | 1.7436% | 5,581 |
| Loan and lease loss provision to assets | 0.1375% | 1,707 |
| Net operating income to assets | 0.8203% | 3,279 |
| Return on assets (ROA) | 0.7279% | 3,834 |
| Pretax return on assets | 0.7279% | 4,535 |
| Return on Equity (ROE) | 6.5754% | 3,787 |
| Retained earnings to average equity (ytd only) | 3.3146% | 3,916 |
| Net charge-offs to loans | -0.0099% | 4,764 |
| Credit loss provision to net charge-offs | -6,666.6667% | 5,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5457% | 3,846 |
| Assets per employee ($millions) | 7.4169% | 746 |
| Cash dividends to net income (ytd only)* | 49.5907% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1966% | 526 |
| Loan loss allowance to noncurrent loans | 80.0117% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 0.6710% | 2,899 |
| Noncurrent loans to loans | 2.7453% | 596 |
| Net loans and leases to total assets | 21.3154% | 5,854 |
| Net loans and leases to deposits | 24.1864% | 5,869 |
| Net loans and leases to core deposits | 29.6267% | 5,828 |
| Total domestic deposits to total assets | 88.1297% | 1,339 |
| Equity capital to assets | 11.5033% | 2,512 |
| Core capital (leverage) ratio | 10.6459% | 2,830 |
| Tier 1 risk-based capital ratio | 30.5707% | 460 |
| Total risk-based capital ratio | 31.8223% | 457 |
| Memoranda: | ||
| Average total assets | $581,755,250 | 1,206 |
| Average earning assets | $566,161,000 | 1,143 |
| Average equity | $64,400,250 | 1,227 |
| Average total loans | $121,471,250 | 3,047 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5218% | 5,895 |
| Cost of funding earning assets | 0.3521% | 3,542 |
| Net interest margin | 2.1697% | 5,911 |
| Noninterest income to average assets | 0.5758% | 2,747 |
| Noninterest expense to average assets | 1.7027% | 5,686 |
| Loan and lease loss provision to assets | 0.1025% | 2,136 |
| Net operating income to assets | 0.8802% | 2,964 |
| Return on assets (ROA) | 0.7986% | 3,457 |
| Pretax return on assets | 0.7986% | 4,283 |
| Return on Equity (ROE) | 7.3067% | 3,368 |
| Retained earnings to average equity (ytd only) | 3.7112% | 3,528 |
| Net charge-offs to loans | -0.1295% | 5,698 |
| Credit loss provision to net charge-offs | -384.6154% | 4,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4050% | 4,115 |
| Assets per employee ($millions) | 7.1306% | 825 |
| Cash dividends to net income (ytd only)* | 49.2084% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0872% | 630 |
| Loan loss allowance to noncurrent loans | 106.2394% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.5008% | 3,537 |
| Noncurrent loans to loans | 1.9647% | 1,015 |
| Net loans and leases to total assets | 20.8438% | 5,930 |
| Net loans and leases to deposits | 23.6997% | 5,946 |
| Net loans and leases to core deposits | 29.0613% | 5,908 |
| Total domestic deposits to total assets | 87.9494% | 1,462 |
| Equity capital to assets | 11.7208% | 2,338 |
| Core capital (leverage) ratio | 10.2178% | 3,314 |
| Tier 1 risk-based capital ratio | 31.3843% | 439 |
| Total risk-based capital ratio | 32.6350% | 435 |
| Memoranda: | ||
| Average total assets | $585,305,670 | 1,200 |
| Average earning assets | $569,122,330 | 1,145 |
| Average equity | $63,968,330 | 1,235 |
| Average total loans | $120,472,670 | 3,071 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4890% | 5,967 |
| Cost of funding earning assets | 0.3463% | 3,640 |
| Net interest margin | 2.1427% | 5,979 |
| Noninterest income to average assets | 0.5333% | 2,909 |
| Noninterest expense to average assets | 1.7159% | 5,738 |
| Loan and lease loss provision to assets | 0.1006% | 2,015 |
| Net operating income to assets | 0.8003% | 3,250 |
| Return on assets (ROA) | 0.7332% | 3,675 |
| Pretax return on assets | 0.7332% | 4,406 |
| Return on Equity (ROE) | 6.9463% | 3,482 |
| Retained earnings to average equity (ytd only) | 5.0397% | 2,915 |
| Net charge-offs to loans | -0.0762% | 5,533 |
| Credit loss provision to net charge-offs | -652.1739% | 4,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5729% | 3,867 |
| Assets per employee ($millions) | 7.3390% | 760 |
| Cash dividends to net income (ytd only)* | 27.4474% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9407% | 908 |
| Loan loss allowance to noncurrent loans | 61.5426% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 0.7418% | 2,856 |
| Noncurrent loans to loans | 3.1534% | 492 |
| Net loans and leases to total assets | 19.7766% | 5,996 |
| Net loans and leases to deposits | 22.3000% | 6,009 |
| Net loans and leases to core deposits | 27.2065% | 5,971 |
| Total domestic deposits to total assets | 88.6845% | 1,249 |
| Equity capital to assets | 11.0182% | 2,919 |
| Core capital (leverage) ratio | 10.1243% | 3,398 |
| Tier 1 risk-based capital ratio | 31.2276% | 457 |
| Total risk-based capital ratio | 32.4344% | 456 |
| Memoranda: | ||
| Average total assets | $596,301,000 | 1,185 |
| Average earning assets | $579,838,000 | 1,123 |
| Average equity | $62,940,000 | 1,249 |
| Average total loans | $120,749,500 | 3,073 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4561% | 6,010 |
| Cost of funding earning assets | 0.3328% | 3,876 |
| Net interest margin | 2.1234% | 6,017 |
| Noninterest income to average assets | 0.8813% | 1,497 |
| Noninterest expense to average assets | 1.8638% | 5,663 |
| Loan and lease loss provision to assets | 0.1391% | 1,703 |
| Net operating income to assets | 0.9356% | 2,684 |
| Return on assets (ROA) | 0.9016% | 2,939 |
| Pretax return on assets | 0.9016% | 3,829 |
| Return on Equity (ROE) | 8.7224% | 2,613 |
| Retained earnings to average equity (ytd only) | 4.7258% | 2,622 |
| Net charge-offs to loans | 0.9382% | 221 |
| Credit loss provision to net charge-offs | 69.9153% | 3,128 |
| Earnings coverage of net charge-offs (x) | 5.4017% | 3,396 |
| Efficiency ratio | 63.4267% | 4,380 |
| Assets per employee ($millions) | 7.0405% | 873 |
| Cash dividends to net income (ytd only)* | 45.8201% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7264% | 1,293 |
| Loan loss allowance to noncurrent loans | 147.2626% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.3409% | 4,227 |
| Noncurrent loans to loans | 1.1723% | 2,016 |
| Net loans and leases to total assets | 19.9780% | 6,048 |
| Net loans and leases to deposits | 22.2999% | 6,066 |
| Net loans and leases to core deposits | 27.1191% | 6,031 |
| Total domestic deposits to total assets | 89.5882% | 805 |
| Equity capital to assets | 10.1059% | 3,855 |
| Core capital (leverage) ratio | 9.6867% | 3,927 |
| Tier 1 risk-based capital ratio | 30.3973% | 488 |
| Total risk-based capital ratio | 31.4991% | 488 |
| Memoranda: | ||
| Average total assets | $593,076,800 | 1,149 |
| Average earning assets | $574,601,200 | 1,082 |
| Average equity | $61,302,200 | 1,230 |
| Average total loans | $125,774,800 | 2,958 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4547% | 6,102 |
| Cost of funding earning assets | 0.3274% | 4,022 |
| Net interest margin | 2.1273% | 6,093 |
| Noninterest income to average assets | 0.9460% | 1,330 |
| Noninterest expense to average assets | 1.8929% | 5,651 |
| Loan and lease loss provision to assets | 0.0452% | 3,307 |
| Net operating income to assets | 1.0694% | 2,134 |
| Return on assets (ROA) | 1.0317% | 2,410 |
| Pretax return on assets | 1.0317% | 3,498 |
| Return on Equity (ROE) | 9.9242% | 2,135 |
| Retained earnings to average equity (ytd only) | 4.5979% | 3,200 |
| Net charge-offs to loans | 0.0137% | 3,692 |
| Credit loss provision to net charge-offs | 1,538.4615% | 231 |
| Earnings coverage of net charge-offs (x) | 379.4484% | 199 |
| Efficiency ratio | 62.9396% | 4,415 |
| Assets per employee ($millions) | 6.7579% | 961 |
| Cash dividends to net income (ytd only)* | 53.6693% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1876% | 680 |
| Loan loss allowance to noncurrent loans | 93.9746% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.4881% | 3,863 |
| Noncurrent loans to loans | 2.3279% | 909 |
| Net loans and leases to total assets | 20.0520% | 6,134 |
| Net loans and leases to deposits | 22.5127% | 6,152 |
| Net loans and leases to core deposits | 27.4705% | 6,118 |
| Total domestic deposits to total assets | 89.0697% | 1,000 |
| Equity capital to assets | 10.5710% | 3,521 |
| Core capital (leverage) ratio | 9.9924% | 3,641 |
| Tier 1 risk-based capital ratio | 30.5562% | 493 |
| Total risk-based capital ratio | 31.8080% | 486 |
| Memoranda: | ||
| Average total assets | $589,974,750 | 1,161 |
| Average earning assets | $571,728,750 | 1,100 |
| Average equity | $61,330,250 | 1,234 |
| Average total loans | $126,446,250 | 2,968 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4540% | 6,179 |
| Cost of funding earning assets | 0.3180% | 4,186 |
| Net interest margin | 2.1360% | 6,165 |
| Noninterest income to average assets | 0.9612% | 1,277 |
| Noninterest expense to average assets | 1.8990% | 5,711 |
| Loan and lease loss provision to assets | 0.0425% | 3,258 |
| Net operating income to assets | 1.0880% | 1,988 |
| Return on assets (ROA) | 1.0714% | 2,150 |
| Pretax return on assets | 1.0714% | 3,293 |
| Return on Equity (ROE) | 10.3652% | 1,910 |
| Retained earnings to average equity (ytd only) | 4.2816% | 3,299 |
| Net charge-offs to loans | 0.0219% | 3,227 |
| Credit loss provision to net charge-offs | 892.8571% | 395 |
| Earnings coverage of net charge-offs (x) | 237.5714% | 293 |
| Efficiency ratio | 62.6837% | 4,565 |
| Assets per employee ($millions) | 6.7936% | 928 |
| Cash dividends to net income (ytd only)* | 58.6929% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0188% | 956 |
| Loan loss allowance to noncurrent loans | 82.0399% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 0.5836% | 3,664 |
| Noncurrent loans to loans | 2.4608% | 912 |
| Net loans and leases to total assets | 21.0263% | 6,195 |
| Net loans and leases to deposits | 23.4737% | 6,219 |
| Net loans and leases to core deposits | 27.7343% | 6,184 |
| Total domestic deposits to total assets | 89.5740% | 859 |
| Equity capital to assets | 10.0998% | 3,924 |
| Core capital (leverage) ratio | 9.6552% | 4,066 |
| Tier 1 risk-based capital ratio | 29.8686% | 553 |
| Total risk-based capital ratio | 31.1198% | 546 |
| Memoranda: | ||
| Average total assets | $588,401,330 | 1,169 |
| Average earning assets | $569,761,670 | 1,107 |
| Average equity | $60,818,670 | 1,257 |
| Average total loans | $127,956,670 | 2,950 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4587% | 6,239 |
| Cost of funding earning assets | 0.3169% | 4,256 |
| Net interest margin | 2.1418% | 6,232 |
| Noninterest income to average assets | 0.9190% | 1,329 |
| Noninterest expense to average assets | 1.8983% | 5,761 |
| Loan and lease loss provision to assets | 0.0343% | 3,211 |
| Net operating income to assets | 1.0615% | 1,996 |
| Return on assets (ROA) | 1.0574% | 2,137 |
| Pretax return on assets | 1.0574% | 3,275 |
| Return on Equity (ROE) | 10.1118% | 1,955 |
| Retained earnings to average equity (ytd only) | 5.5245% | 2,761 |
| Net charge-offs to loans | -0.0657% | 5,663 |
| Credit loss provision to net charge-offs | -238.0952% | 4,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4012% | 4,573 |
| Assets per employee ($millions) | 6.9317% | 881 |
| Cash dividends to net income (ytd only)* | 45.3662% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0082% | 1,063 |
| Loan loss allowance to noncurrent loans | 75.8549% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 0.6368% | 3,587 |
| Noncurrent loans to loans | 2.6474% | 897 |
| Net loans and leases to total assets | 21.1270% | 6,257 |
| Net loans and leases to deposits | 23.7109% | 6,275 |
| Net loans and leases to core deposits | 28.1202% | 6,230 |
| Total domestic deposits to total assets | 89.1027% | 1,200 |
| Equity capital to assets | 10.6033% | 3,419 |
| Core capital (leverage) ratio | 9.9383% | 3,680 |
| Tier 1 risk-based capital ratio | 29.2571% | 582 |
| Total risk-based capital ratio | 30.5052% | 569 |
| Memoranda: | ||
| Average total assets | $583,681,500 | 1,180 |
| Average earning assets | $565,510,500 | 1,121 |
| Average equity | $61,037,500 | 1,254 |
| Average total loans | $127,788,000 | 2,951 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6529% | 6,281 |
| Cost of funding earning assets | 0.3289% | 4,505 |
| Net interest margin | 2.3240% | 6,258 |
| Noninterest income to average assets | 0.8523% | 1,673 |
| Noninterest expense to average assets | 1.9183% | 5,903 |
| Loan and lease loss provision to assets | 0.0228% | 4,153 |
| Net operating income to assets | 1.1481% | 1,779 |
| Return on assets (ROA) | 1.1282% | 1,926 |
| Pretax return on assets | 1.1282% | 2,974 |
| Return on Equity (ROE) | 11.2022% | 1,655 |
| Retained earnings to average equity (ytd only) | 8.3085% | 906 |
| Net charge-offs to loans | 0.0684% | 3,499 |
| Credit loss provision to net charge-offs | 143.6782% | 1,658 |
| Earnings coverage of net charge-offs (x) | 73.8851% | 681 |
| Efficiency ratio | 62.0991% | 4,901 |
| Assets per employee ($millions) | 6.8830% | 893 |
| Cash dividends to net income (ytd only)* | 25.8314% | 3,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9293% | 1,243 |
| Loan loss allowance to noncurrent loans | 129.0994% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.3959% | 4,508 |
| Noncurrent loans to loans | 1.4944% | 1,959 |
| Net loans and leases to total assets | 21.8043% | 6,347 |
| Net loans and leases to deposits | 24.3963% | 6,364 |
| Net loans and leases to core deposits | 28.5742% | 6,326 |
| Total domestic deposits to total assets | 89.3754% | 1,033 |
| Equity capital to assets | 10.3086% | 3,710 |
| Core capital (leverage) ratio | 10.0819% | 3,459 |
| Tier 1 risk-based capital ratio | 29.0434% | 563 |
| Total risk-based capital ratio | 30.2938% | 546 |
| Memoranda: | ||
| Average total assets | $549,016,600 | 1,217 |
| Average earning assets | $528,437,600 | 1,149 |
| Average equity | $55,292,600 | 1,321 |
| Average total loans | $127,192,800 | 2,922 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6730% | 6,348 |
| Cost of funding earning assets | 0.3328% | 4,534 |
| Net interest margin | 2.3402% | 6,322 |
| Noninterest income to average assets | 0.8186% | 1,821 |
| Noninterest expense to average assets | 1.8951% | 5,958 |
| Loan and lease loss provision to assets | 0.0308% | 3,796 |
| Net operating income to assets | 1.1425% | 1,886 |
| Return on assets (ROA) | 1.0979% | 2,108 |
| Pretax return on assets | 1.0979% | 3,195 |
| Return on Equity (ROE) | 10.9708% | 1,798 |
| Retained earnings to average equity (ytd only) | 7.0359% | 1,803 |
| Net charge-offs to loans | -0.0620% | 5,990 |
| Credit loss provision to net charge-offs | -211.8644% | 5,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7631% | 4,923 |
| Assets per employee ($millions) | 6.3607% | 1,106 |
| Cash dividends to net income (ytd only)* | 35.8664% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9772% | 1,297 |
| Loan loss allowance to noncurrent loans | 141.8693% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.4419% | 4,582 |
| Noncurrent loans to loans | 1.3936% | 2,322 |
| Net loans and leases to total assets | 23.8002% | 6,391 |
| Net loans and leases to deposits | 26.6566% | 6,416 |
| Net loans and leases to core deposits | 31.5953% | 6,370 |
| Total domestic deposits to total assets | 89.2844% | 1,085 |
| Equity capital to assets | 10.3282% | 3,758 |
| Core capital (leverage) ratio | 9.9272% | 3,770 |
| Tier 1 risk-based capital ratio | 27.0474% | 706 |
| Total risk-based capital ratio | 28.2982% | 690 |
| Memoranda: | ||
| Average total assets | $541,728,250 | 1,240 |
| Average earning assets | $520,803,500 | 1,178 |
| Average equity | $54,215,500 | 1,352 |
| Average total loans | $126,854,500 | 2,934 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6212% | 6,432 |
| Cost of funding earning assets | 0.3332% | 4,605 |
| Net interest margin | 2.2880% | 6,414 |
| Noninterest income to average assets | 0.6700% | 2,429 |
| Noninterest expense to average assets | 1.8275% | 6,107 |
| Loan and lease loss provision to assets | 0.0185% | 3,897 |
| Net operating income to assets | 1.0238% | 2,231 |
| Return on assets (ROA) | 0.9967% | 2,403 |
| Pretax return on assets | 0.9967% | 3,486 |
| Return on Equity (ROE) | 10.0683% | 2,118 |
| Retained earnings to average equity (ytd only) | 6.1397% | 2,242 |
| Net charge-offs to loans | -0.1313% | 6,227 |
| Credit loss provision to net charge-offs | -60.9756% | 5,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6809% | 4,743 |
| Assets per employee ($millions) | 6.3844% | 1,070 |
| Cash dividends to net income (ytd only)* | 39.0190% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9773% | 1,408 |
| Loan loss allowance to noncurrent loans | 128.9579% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.4721% | 4,584 |
| Noncurrent loans to loans | 1.5333% | 2,266 |
| Net loans and leases to total assets | 23.5142% | 6,462 |
| Net loans and leases to deposits | 26.2980% | 6,488 |
| Net loans and leases to core deposits | 31.0506% | 6,433 |
| Total domestic deposits to total assets | 89.4145% | 1,146 |
| Equity capital to assets | 10.1775% | 3,862 |
| Core capital (leverage) ratio | 9.8144% | 3,867 |
| Tier 1 risk-based capital ratio | 27.1566% | 693 |
| Total risk-based capital ratio | 28.3975% | 680 |
| Memoranda: | ||
| Average total assets | $539,965,330 | 1,249 |
| Average earning assets | $519,148,000 | 1,173 |
| Average equity | $53,455,000 | 1,360 |
| Average total loans | $124,867,000 | 2,972 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5683% | 6,529 |
| Cost of funding earning assets | 0.3331% | 4,712 |
| Net interest margin | 2.2352% | 6,510 |
| Noninterest income to average assets | 0.5288% | 3,199 |
| Noninterest expense to average assets | 1.8373% | 6,166 |
| Loan and lease loss provision to assets | 0.0371% | 3,319 |
| Net operating income to assets | 0.8021% | 3,144 |
| Return on assets (ROA) | 0.7248% | 3,646 |
| Pretax return on assets | 0.7248% | 4,403 |
| Return on Equity (ROE) | 7.4267% | 3,246 |
| Retained earnings to average equity (ytd only) | 4.3830% | 3,495 |
| Net charge-offs to loans | 0.1735% | 1,680 |
| Credit loss provision to net charge-offs | 94.3396% | 1,758 |
| Earnings coverage of net charge-offs (x) | 21.3208% | 1,297 |
| Efficiency ratio | 68.6459% | 4,072 |
| Assets per employee ($millions) | 6.3624% | 1,081 |
| Cash dividends to net income (ytd only)* | 40.9836% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9680% | 1,578 |
| Loan loss allowance to noncurrent loans | 98.8650% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 0.5268% | 4,569 |
| Noncurrent loans to loans | 1.9905% | 1,877 |
| Net loans and leases to total assets | 22.4660% | 6,534 |
| Net loans and leases to deposits | 25.0384% | 6,562 |
| Net loans and leases to core deposits | 29.5036% | 6,504 |
| Total domestic deposits to total assets | 89.7262% | 1,228 |
| Equity capital to assets | 9.9173% | 3,944 |
| Core capital (leverage) ratio | 9.9386% | 3,649 |
| Tier 1 risk-based capital ratio | 27.4608% | 684 |
| Total risk-based capital ratio | 28.7112% | 668 |
| Memoranda: | ||
| Average total assets | $538,610,000 | 1,254 |
| Average earning assets | $517,545,500 | 1,186 |
| Average equity | $52,567,000 | 1,376 |
| Average total loans | $122,210,500 | 3,025 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5956% | 6,590 |
| Cost of funding earning assets | 0.4022% | 4,624 |
| Net interest margin | 2.1934% | 6,582 |
| Noninterest income to average assets | 1.1520% | 1,062 |
| Noninterest expense to average assets | 2.0435% | 5,934 |
| Loan and lease loss provision to assets | 0.0727% | 3,661 |
| Net operating income to assets | 1.1423% | 1,788 |
| Return on assets (ROA) | 0.9989% | 2,395 |
| Pretax return on assets | 0.9989% | 3,351 |
| Return on Equity (ROE) | 10.0031% | 2,115 |
| Retained earnings to average equity (ytd only) | 6.7017% | 1,577 |
| Net charge-offs to loans | 0.3139% | 2,114 |
| Credit loss provision to net charge-offs | 95.4198% | 2,622 |
| Earnings coverage of net charge-offs (x) | 15.9440% | 1,835 |
| Efficiency ratio | 62.7113% | 5,099 |
| Assets per employee ($millions) | 6.3859% | 1,044 |
| Cash dividends to net income (ytd only)* | 33.0033% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0260% | 1,498 |
| Loan loss allowance to noncurrent loans | 80.9082% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 0.6338% | 4,335 |
| Noncurrent loans to loans | 2.5040% | 1,509 |
| Net loans and leases to total assets | 22.0061% | 6,634 |
| Net loans and leases to deposits | 24.4335% | 6,659 |
| Net loans and leases to core deposits | 28.8613% | 6,615 |
| Total domestic deposits to total assets | 90.0652% | 1,040 |
| Equity capital to assets | 9.6009% | 4,287 |
| Core capital (leverage) ratio | 9.7798% | 3,869 |
| Tier 1 risk-based capital ratio | 27.5619% | 638 |
| Total risk-based capital ratio | 28.8128% | 623 |
| Memoranda: | ||
| Average total assets | $515,692,600 | 1,287 |
| Average earning assets | $495,262,400 | 1,230 |
| Average equity | $51,494,200 | 1,382 |
| Average total loans | $125,211,600 | 2,932 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6153% | 6,658 |
| Cost of funding earning assets | 0.4144% | 4,680 |
| Net interest margin | 2.2009% | 6,647 |
| Noninterest income to average assets | 1.2633% | 920 |
| Noninterest expense to average assets | 2.1353% | 5,758 |
| Loan and lease loss provision to assets | 0.0784% | 3,494 |
| Net operating income to assets | 1.1677% | 1,746 |
| Return on assets (ROA) | 0.9551% | 2,667 |
| Pretax return on assets | 0.9551% | 3,670 |
| Return on Equity (ROE) | 9.4691% | 2,410 |
| Retained earnings to average equity (ytd only) | 5.0673% | 3,029 |
| Net charge-offs to loans | 0.3956% | 1,619 |
| Credit loss provision to net charge-offs | 80.0000% | 2,849 |
| Earnings coverage of net charge-offs (x) | 12.7226% | 2,103 |
| Efficiency ratio | 63.1498% | 4,956 |
| Assets per employee ($millions) | 6.1617% | 1,128 |
| Cash dividends to net income (ytd only)* | 46.4862% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9036% | 1,996 |
| Loan loss allowance to noncurrent loans | 84.0085% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 0.6225% | 4,573 |
| Noncurrent loans to loans | 2.2660% | 1,937 |
| Net loans and leases to total assets | 23.7454% | 6,693 |
| Net loans and leases to deposits | 26.3777% | 6,720 |
| Net loans and leases to core deposits | 31.3295% | 6,658 |
| Total domestic deposits to total assets | 90.0207% | 986 |
| Equity capital to assets | 9.5612% | 4,472 |
| Core capital (leverage) ratio | 9.8155% | 3,934 |
| Tier 1 risk-based capital ratio | 27.0147% | 703 |
| Total risk-based capital ratio | 28.2653% | 687 |
| Memoranda: | ||
| Average total assets | $510,511,750 | 1,311 |
| Average earning assets | $491,300,750 | 1,251 |
| Average equity | $51,492,500 | 1,389 |
| Average total loans | $126,393,250 | 2,936 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6103% | 6,701 |
| Cost of funding earning assets | 0.4251% | 4,709 |
| Net interest margin | 2.1852% | 6,688 |
| Noninterest income to average assets | 1.4621% | 739 |
| Noninterest expense to average assets | 2.1808% | 5,677 |
| Loan and lease loss provision to assets | 0.1181% | 2,849 |
| Net operating income to assets | 1.2634% | 1,420 |
| Return on assets (ROA) | 1.0312% | 2,314 |
| Pretax return on assets | 1.0312% | 3,370 |
| Return on Equity (ROE) | 10.0458% | 2,183 |
| Retained earnings to average equity (ytd only) | 5.0613% | 3,015 |
| Net charge-offs to loans | 0.0568% | 3,891 |
| Credit loss provision to net charge-offs | 833.3333% | 363 |
| Earnings coverage of net charge-offs (x) | 97.5000% | 474 |
| Efficiency ratio | 61.2198% | 5,294 |
| Assets per employee ($millions) | 5.8653% | 1,295 |
| Cash dividends to net income (ytd only)* | 49.6183% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2237% | 1,375 |
| Loan loss allowance to noncurrent loans | 104.4479% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 0.6001% | 4,748 |
| Noncurrent loans to loans | 2.1290% | 2,250 |
| Net loans and leases to total assets | 24.0246% | 6,721 |
| Net loans and leases to deposits | 26.8556% | 6,756 |
| Net loans and leases to core deposits | 32.0824% | 6,684 |
| Total domestic deposits to total assets | 89.4584% | 1,346 |
| Equity capital to assets | 10.1057% | 3,780 |
| Core capital (leverage) ratio | 9.6886% | 3,950 |
| Tier 1 risk-based capital ratio | 27.0499% | 689 |
| Total risk-based capital ratio | 28.2975% | 680 |
| Memoranda: | ||
| Average total assets | $508,156,000 | 1,313 |
| Average earning assets | $488,375,000 | 1,259 |
| Average equity | $52,161,000 | 1,375 |
| Average total loans | $126,762,330 | 2,941 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5636% | 6,796 |
| Cost of funding earning assets | 0.4356% | 4,748 |
| Net interest margin | 2.1280% | 6,800 |
| Noninterest income to average assets | 1.0699% | 1,302 |
| Noninterest expense to average assets | 2.2357% | 5,595 |
| Loan and lease loss provision to assets | 0.1170% | 2,774 |
| Net operating income to assets | 0.7743% | 3,311 |
| Return on assets (ROA) | 0.5076% | 4,763 |
| Pretax return on assets | 0.5076% | 5,229 |
| Return on Equity (ROE) | 4.9085% | 4,625 |
| Retained earnings to average equity (ytd only) | 0.0075% | 5,762 |
| Net charge-offs to loans | 0.1955% | 2,242 |
| Credit loss provision to net charge-offs | 238.0952% | 956 |
| Earnings coverage of net charge-offs (x) | 18.1429% | 1,274 |
| Efficiency ratio | 71.4963% | 3,712 |
| Assets per employee ($millions) | 5.9137% | 1,326 |
| Cash dividends to net income (ytd only)* | 99.8464% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0202% | 1,988 |
| Loan loss allowance to noncurrent loans | 66.3973% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 0.7934% | 4,384 |
| Noncurrent loans to loans | 3.0426% | 1,642 |
| Net loans and leases to total assets | 24.2891% | 6,765 |
| Net loans and leases to deposits | 27.2265% | 6,799 |
| Net loans and leases to core deposits | 32.0808% | 6,721 |
| Total domestic deposits to total assets | 89.2115% | 1,547 |
| Equity capital to assets | 10.3866% | 3,689 |
| Core capital (leverage) ratio | 9.6530% | 3,846 |
| Tier 1 risk-based capital ratio | 26.6290% | 736 |
| Total risk-based capital ratio | 27.8813% | 726 |
| Memoranda: | ||
| Average total assets | $512,960,000 | 1,314 |
| Average earning assets | $495,870,000 | 1,250 |
| Average equity | $53,050,500 | 1,368 |
| Average total loans | $128,894,500 | 2,908 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0032% | 6,771 |
| Cost of funding earning assets | 0.5086% | 5,158 |
| Net interest margin | 2.4946% | 6,719 |
| Noninterest income to average assets | 1.3653% | 836 |
| Noninterest expense to average assets | 2.5367% | 4,974 |
| Loan and lease loss provision to assets | 0.1851% | 3,324 |
| Net operating income to assets | 1.0544% | 2,105 |
| Return on assets (ROA) | 1.0772% | 2,211 |
| Pretax return on assets | 1.0772% | 3,247 |
| Return on Equity (ROE) | 9.7086% | 2,308 |
| Retained earnings to average equity (ytd only) | 5.1717% | 2,593 |
| Net charge-offs to loans | 0.4077% | 2,625 |
| Credit loss provision to net charge-offs | 169.2456% | 1,562 |
| Earnings coverage of net charge-offs (x) | 11.3346% | 2,042 |
| Efficiency ratio | 67.1764% | 4,297 |
| Assets per employee ($millions) | 6.0864% | 1,229 |
| Cash dividends to net income (ytd only)* | 46.7308% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8677% | 2,395 |
| Loan loss allowance to noncurrent loans | 89.5849% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 0.5308% | 5,154 |
| Noncurrent loans to loans | 2.0848% | 2,597 |
| Net loans and leases to total assets | 24.9840% | 6,837 |
| Net loans and leases to deposits | 27.9676% | 6,873 |
| Net loans and leases to core deposits | 32.8183% | 6,795 |
| Total domestic deposits to total assets | 89.3318% | 1,347 |
| Equity capital to assets | 10.2982% | 3,762 |
| Core capital (leverage) ratio | 9.6898% | 3,820 |
| Tier 1 risk-based capital ratio | 26.3719% | 735 |
| Total risk-based capital ratio | 27.5833% | 734 |
| Memoranda: | ||
| Average total assets | $472,781,000 | 1,401 |
| Average earning assets | $456,910,200 | 1,337 |
| Average equity | $52,458,800 | 1,359 |
| Average total loans | $126,794,000 | 2,935 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1125% | 6,846 |
| Cost of funding earning assets | 0.5210% | 5,300 |
| Net interest margin | 2.5915% | 6,766 |
| Noninterest income to average assets | 1.3834% | 782 |
| Noninterest expense to average assets | 2.5777% | 4,813 |
| Loan and lease loss provision to assets | 0.2311% | 2,736 |
| Net operating income to assets | 1.0802% | 2,168 |
| Return on assets (ROA) | 1.1914% | 1,950 |
| Pretax return on assets | 1.1914% | 3,016 |
| Return on Equity (ROE) | 10.5252% | 2,126 |
| Retained earnings to average equity (ytd only) | 4.4525% | 3,764 |
| Net charge-offs to loans | 0.2209% | 3,401 |
| Credit loss provision to net charge-offs | 384.6154% | 704 |
| Earnings coverage of net charge-offs (x) | 21.8266% | 1,381 |
| Efficiency ratio | 66.2830% | 4,400 |
| Assets per employee ($millions) | 5.4444% | 1,690 |
| Cash dividends to net income (ytd only)* | 57.6969% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1157% | 1,874 |
| Loan loss allowance to noncurrent loans | 91.3220% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 0.6631% | 5,020 |
| Noncurrent loans to loans | 2.3167% | 2,484 |
| Net loans and leases to total assets | 26.6204% | 6,908 |
| Net loans and leases to deposits | 30.1888% | 6,945 |
| Net loans and leases to core deposits | 36.0951% | 6,851 |
| Total domestic deposits to total assets | 88.1797% | 1,937 |
| Equity capital to assets | 11.3679% | 2,882 |
| Core capital (leverage) ratio | 10.0772% | 3,434 |
| Tier 1 risk-based capital ratio | 26.0563% | 816 |
| Total risk-based capital ratio | 27.2671% | 810 |
| Memoranda: | ||
| Average total assets | $461,640,500 | 1,445 |
| Average earning assets | $446,311,500 | 1,378 |
| Average equity | $52,254,250 | 1,367 |
| Average total loans | $125,564,250 | 3,006 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1449% | 6,912 |
| Cost of funding earning assets | 0.5295% | 5,432 |
| Net interest margin | 2.6154% | 6,808 |
| Noninterest income to average assets | 1.4504% | 692 |
| Noninterest expense to average assets | 2.5317% | 5,029 |
| Loan and lease loss provision to assets | 0.2394% | 2,671 |
| Net operating income to assets | 1.2080% | 1,685 |
| Return on assets (ROA) | 1.3986% | 1,338 |
| Pretax return on assets | 1.3986% | 2,202 |
| Return on Equity (ROE) | 12.3744% | 1,548 |
| Retained earnings to average equity (ytd only) | 4.5561% | 3,572 |
| Net charge-offs to loans | 0.1264% | 3,919 |
| Credit loss provision to net charge-offs | 696.2025% | 460 |
| Earnings coverage of net charge-offs (x) | 42.0886% | 842 |
| Efficiency ratio | 63.6254% | 4,962 |
| Assets per employee ($millions) | 5.3588% | 1,754 |
| Cash dividends to net income (ytd only)* | 63.1808% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0612% | 2,080 |
| Loan loss allowance to noncurrent loans | 87.4278% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.7189% | 5,002 |
| Noncurrent loans to loans | 2.3576% | 2,546 |
| Net loans and leases to total assets | 26.5280% | 6,966 |
| Net loans and leases to deposits | 30.0697% | 7,007 |
| Net loans and leases to core deposits | 33.5003% | 6,964 |
| Total domestic deposits to total assets | 88.2215% | 2,008 |
| Equity capital to assets | 11.4179% | 2,674 |
| Core capital (leverage) ratio | 9.9318% | 3,512 |
| Tier 1 risk-based capital ratio | 26.0314% | 801 |
| Total risk-based capital ratio | 27.2839% | 787 |
| Memoranda: | ||
| Average total assets | $459,447,330 | 1,448 |
| Average earning assets | $444,210,330 | 1,388 |
| Average equity | $51,930,000 | 1,369 |
| Average total loans | $124,973,670 | 3,027 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1302% | 6,988 |
| Cost of funding earning assets | 0.5367% | 5,574 |
| Net interest margin | 2.5935% | 6,879 |
| Noninterest income to average assets | 1.4195% | 723 |
| Noninterest expense to average assets | 2.5217% | 5,083 |
| Loan and lease loss provision to assets | 0.2616% | 2,364 |
| Net operating income to assets | 1.1562% | 1,863 |
| Return on assets (ROA) | 1.3663% | 1,443 |
| Pretax return on assets | 1.3663% | 2,305 |
| Return on Equity (ROE) | 12.1508% | 1,631 |
| Retained earnings to average equity (ytd only) | 6.4903% | 2,693 |
| Net charge-offs to loans | 0.0224% | 4,369 |
| Credit loss provision to net charge-offs | 4,285.7143% | 63 |
| Earnings coverage of net charge-offs (x) | 232.2857% | 153 |
| Efficiency ratio | 64.0106% | 4,921 |
| Assets per employee ($millions) | 5.8378% | 1,391 |
| Cash dividends to net income (ytd only)* | 46.5858% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8907% | 2,702 |
| Loan loss allowance to noncurrent loans | 139.5688% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.4908% | 5,634 |
| Noncurrent loans to loans | 1.3547% | 4,085 |
| Net loans and leases to total assets | 26.6102% | 7,017 |
| Net loans and leases to deposits | 30.0409% | 7,057 |
| Net loans and leases to core deposits | 33.4052% | 7,007 |
| Total domestic deposits to total assets | 88.5799% | 1,967 |
| Equity capital to assets | 11.1428% | 2,765 |
| Core capital (leverage) ratio | 10.3550% | 2,925 |
| Tier 1 risk-based capital ratio | 26.0575% | 797 |
| Total risk-based capital ratio | 27.2617% | 787 |
| Memoranda: | ||
| Average total assets | $458,742,500 | 1,456 |
| Average earning assets | $445,726,500 | 1,385 |
| Average equity | $51,585,000 | 1,373 |
| Average total loans | $125,046,000 | 3,046 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5933% | 6,934 |
| Cost of funding earning assets | 0.6163% | 6,002 |
| Net interest margin | 2.9770% | 6,563 |
| Noninterest income to average assets | 1.2884% | 777 |
| Noninterest expense to average assets | 2.7604% | 4,506 |
| Loan and lease loss provision to assets | 0.4095% | 2,544 |
| Net operating income to assets | 1.0107% | 2,163 |
| Return on assets (ROA) | 1.0681% | 2,070 |
| Pretax return on assets | 1.0681% | 2,964 |
| Return on Equity (ROE) | 8.9400% | 2,477 |
| Retained earnings to average equity (ytd only) | 4.5406% | 2,942 |
| Net charge-offs to loans | 1.7103% | 889 |
| Credit loss provision to net charge-offs | 81.4689% | 4,388 |
| Earnings coverage of net charge-offs (x) | 2.8254% | 3,800 |
| Efficiency ratio | 66.0292% | 4,768 |
| Assets per employee ($millions) | 5.6307% | 1,506 |
| Cash dividends to net income (ytd only)* | 49.2103% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7031% | 3,189 |
| Loan loss allowance to noncurrent loans | 146.4808% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.5028% | 5,713 |
| Noncurrent loans to loans | 1.1627% | 4,425 |
| Net loans and leases to total assets | 26.9321% | 7,092 |
| Net loans and leases to deposits | 30.4811% | 7,123 |
| Net loans and leases to core deposits | 33.9551% | 7,079 |
| Total domestic deposits to total assets | 88.3567% | 1,935 |
| Equity capital to assets | 11.3507% | 2,637 |
| Core capital (leverage) ratio | 10.5154% | 2,713 |
| Tier 1 risk-based capital ratio | 26.1570% | 761 |
| Total risk-based capital ratio | 27.3468% | 755 |
| Memoranda: | ||
| Average total assets | $409,040,600 | 1,585 |
| Average earning assets | $397,378,000 | 1,497 |
| Average equity | $48,870,200 | 1,395 |
| Average total loans | $120,214,400 | 3,167 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6638% | 6,966 |
| Cost of funding earning assets | 0.6403% | 6,091 |
| Net interest margin | 3.0235% | 6,536 |
| Noninterest income to average assets | 1.2083% | 902 |
| Noninterest expense to average assets | 2.8379% | 4,198 |
| Loan and lease loss provision to assets | 0.4598% | 2,160 |
| Net operating income to assets | 0.8461% | 2,955 |
| Return on assets (ROA) | 0.9554% | 2,671 |
| Pretax return on assets | 0.9554% | 3,568 |
| Return on Equity (ROE) | 7.8858% | 3,089 |
| Retained earnings to average equity (ytd only) | 1.9514% | 5,162 |
| Net charge-offs to loans | 2.2275% | 553 |
| Credit loss provision to net charge-offs | 68.9223% | 4,518 |
| Earnings coverage of net charge-offs (x) | 1.9574% | 4,189 |
| Efficiency ratio | 68.4852% | 4,219 |
| Assets per employee ($millions) | 5.3801% | 1,727 |
| Cash dividends to net income (ytd only)* | 75.2539% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4993% | 4,104 |
| Loan loss allowance to noncurrent loans | 100.4854% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.6371% | 5,548 |
| Noncurrent loans to loans | 1.4921% | 4,056 |
| Net loans and leases to total assets | 29.9331% | 7,091 |
| Net loans and leases to deposits | 34.2668% | 7,124 |
| Net loans and leases to core deposits | 38.6572% | 7,072 |
| Total domestic deposits to total assets | 87.3530% | 2,440 |
| Equity capital to assets | 12.3434% | 2,001 |
| Core capital (leverage) ratio | 10.8977% | 2,478 |
| Tier 1 risk-based capital ratio | 26.7024% | 758 |
| Total risk-based capital ratio | 27.8443% | 754 |
| Memoranda: | ||
| Average total assets | $398,686,250 | 1,637 |
| Average earning assets | $387,095,250 | 1,537 |
| Average equity | $48,305,250 | 1,417 |
| Average total loans | $119,413,000 | 3,213 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6916% | 7,021 |
| Cost of funding earning assets | 0.6603% | 6,169 |
| Net interest margin | 3.0313% | 6,548 |
| Noninterest income to average assets | 1.1404% | 997 |
| Noninterest expense to average assets | 2.6376% | 5,047 |
| Loan and lease loss provision to assets | 0.5692% | 1,702 |
| Net operating income to assets | 0.8743% | 2,753 |
| Return on assets (ROA) | 0.9740% | 2,440 |
| Pretax return on assets | 0.9740% | 3,340 |
| Return on Equity (ROE) | 8.0911% | 2,909 |
| Retained earnings to average equity (ytd only) | 0.5254% | 5,644 |
| Net charge-offs to loans | 3.3464% | 280 |
| Credit loss provision to net charge-offs | 57.0776% | 4,413 |
| Earnings coverage of net charge-offs (x) | 1.4475% | 4,203 |
| Efficiency ratio | 64.6293% | 5,123 |
| Assets per employee ($millions) | 5.1988% | 1,874 |
| Cash dividends to net income (ytd only)* | 93.5065% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 4,623 |
| Loan loss allowance to noncurrent loans | 62.0311% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 0.8398% | 5,198 |
| Noncurrent loans to loans | 2.2417% | 3,170 |
| Net loans and leases to total assets | 29.3809% | 7,201 |
| Net loans and leases to deposits | 33.6103% | 7,234 |
| Net loans and leases to core deposits | 38.3920% | 7,159 |
| Total domestic deposits to total assets | 87.4164% | 2,510 |
| Equity capital to assets | 12.3411% | 1,876 |
| Core capital (leverage) ratio | 10.6866% | 2,533 |
| Tier 1 risk-based capital ratio | 26.5870% | 753 |
| Total risk-based capital ratio | 27.6012% | 764 |
| Memoranda: | ||
| Average total assets | $395,285,330 | 1,664 |
| Average earning assets | $383,470,330 | 1,566 |
| Average equity | $47,583,330 | 1,424 |
| Average total loans | $117,798,670 | 3,272 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6487% | 7,108 |
| Cost of funding earning assets | 0.6833% | 6,231 |
| Net interest margin | 2.9654% | 6,648 |
| Noninterest income to average assets | 1.1129% | 1,057 |
| Noninterest expense to average assets | 2.7569% | 4,619 |
| Loan and lease loss provision to assets | 0.2276% | 3,385 |
| Net operating income to assets | 0.9996% | 2,183 |
| Return on assets (ROA) | 1.2272% | 1,510 |
| Pretax return on assets | 1.2272% | 2,282 |
| Return on Equity (ROE) | 10.3246% | 1,987 |
| Retained earnings to average equity (ytd only) | 2.6641% | 4,568 |
| Net charge-offs to loans | 5.7572% | 119 |
| Credit loss provision to net charge-offs | 13.2665% | 4,354 |
| Earnings coverage of net charge-offs (x) | 0.7152% | 4,100 |
| Efficiency ratio | 69.1976% | 4,435 |
| Assets per employee ($millions) | 5.2758% | 1,794 |
| Cash dividends to net income (ytd only)* | 74.1962% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8733% | 6,764 |
| Loan loss allowance to noncurrent loans | 46.8953% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 0.8520% | 5,199 |
| Noncurrent loans to loans | 1.8623% | 3,744 |
| Net loans and leases to total assets | 28.6482% | 7,277 |
| Net loans and leases to deposits | 32.5435% | 7,307 |
| Net loans and leases to core deposits | 37.6656% | 7,227 |
| Total domestic deposits to total assets | 88.0307% | 2,358 |
| Equity capital to assets | 11.7575% | 2,072 |
| Core capital (leverage) ratio | 11.0514% | 2,153 |
| Tier 1 risk-based capital ratio | 25.3746% | 840 |
| Total risk-based capital ratio | 25.9760% | 887 |
| Memoranda: | ||
| Average total assets | $395,373,000 | 1,675 |
| Average earning assets | $382,820,000 | 1,581 |
| Average equity | $46,994,500 | 1,424 |
| Average total loans | $117,836,000 | 3,293 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0568% | 7,086 |
| Cost of funding earning assets | 0.8741% | 6,277 |
| Net interest margin | 3.1827% | 6,306 |
| Noninterest income to average assets | 1.3006% | 869 |
| Noninterest expense to average assets | 2.5031% | 5,783 |
| Loan and lease loss provision to assets | 0.2074% | 5,174 |
| Net operating income to assets | 1.6696% | 550 |
| Return on assets (ROA) | 1.8637% | 395 |
| Pretax return on assets | 1.8637% | 663 |
| Return on Equity (ROE) | 16.2450% | 559 |
| Retained earnings to average equity (ytd only) | 11.3143% | 350 |
| Net charge-offs to loans | 0.5397% | 3,456 |
| Credit loss provision to net charge-offs | 123.5030% | 3,356 |
| Earnings coverage of net charge-offs (x) | 11.1766% | 1,630 |
| Efficiency ratio | 57.1461% | 6,444 |
| Assets per employee ($millions) | 5.1288% | 1,978 |
| Cash dividends to net income (ytd only)* | 30.3521% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0728% | 2,124 |
| Loan loss allowance to noncurrent loans | 55.8982% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 1.3507% | 4,315 |
| Noncurrent loans to loans | 3.7081% | 2,002 |
| Net loans and leases to total assets | 30.0957% | 7,349 |
| Net loans and leases to deposits | 34.3131% | 7,391 |
| Net loans and leases to core deposits | 40.8463% | 7,285 |
| Total domestic deposits to total assets | 87.7092% | 2,412 |
| Equity capital to assets | 12.0184% | 1,903 |
| Core capital (leverage) ratio | 10.0757% | 2,995 |
| Tier 1 risk-based capital ratio | 24.7554% | 865 |
| Total risk-based capital ratio | 26.0074% | 851 |
| Memoranda: | ||
| Average total assets | $397,752,200 | 1,660 |
| Average earning assets | $384,858,000 | 1,572 |
| Average equity | $45,632,600 | 1,468 |
| Average total loans | $123,783,000 | 3,241 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1063% | 7,197 |
| Cost of funding earning assets | 0.9002% | 6,389 |
| Net interest margin | 3.2061% | 6,322 |
| Noninterest income to average assets | 1.1474% | 1,063 |
| Noninterest expense to average assets | 2.3394% | 6,205 |
| Loan and lease loss provision to assets | 0.2001% | 5,053 |
| Net operating income to assets | 1.7107% | 610 |
| Return on assets (ROA) | 1.9459% | 409 |
| Pretax return on assets | 1.9459% | 712 |
| Return on Equity (ROE) | 17.1599% | 572 |
| Retained earnings to average equity (ytd only) | 10.5419% | 678 |
| Net charge-offs to loans | 0.5161% | 3,228 |
| Credit loss provision to net charge-offs | 124.2236% | 3,300 |
| Earnings coverage of net charge-offs (x) | 11.8614% | 1,749 |
| Efficiency ratio | 55.0420% | 6,676 |
| Assets per employee ($millions) | 5.1962% | 1,938 |
| Cash dividends to net income (ytd only)* | 38.5671% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9338% | 2,392 |
| Loan loss allowance to noncurrent loans | 54.7411% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 1.3775% | 4,415 |
| Noncurrent loans to loans | 3.5325% | 2,227 |
| Net loans and leases to total assets | 30.5553% | 7,451 |
| Net loans and leases to deposits | 34.7875% | 7,496 |
| Net loans and leases to core deposits | 41.4732% | 7,395 |
| Total domestic deposits to total assets | 87.8342% | 2,065 |
| Equity capital to assets | 11.8902% | 2,229 |
| Core capital (leverage) ratio | 10.3095% | 2,902 |
| Tier 1 risk-based capital ratio | 23.4587% | 1,007 |
| Total risk-based capital ratio | 24.6904% | 986 |
| Memoranda: | ||
| Average total assets | $399,743,750 | 1,677 |
| Average earning assets | $386,877,250 | 1,580 |
| Average equity | $45,329,250 | 1,484 |
| Average total loans | $124,780,750 | 3,266 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1686% | 7,211 |
| Cost of funding earning assets | 0.9415% | 6,420 |
| Net interest margin | 3.2272% | 6,231 |
| Noninterest income to average assets | 0.9560% | 1,498 |
| Noninterest expense to average assets | 2.2850% | 6,396 |
| Loan and lease loss provision to assets | 0.2262% | 4,643 |
| Net operating income to assets | 1.5703% | 783 |
| Return on assets (ROA) | 1.7839% | 552 |
| Pretax return on assets | 1.7839% | 917 |
| Return on Equity (ROE) | 15.9954% | 700 |
| Retained earnings to average equity (ytd only) | 8.7842% | 1,186 |
| Net charge-offs to loans | 0.2897% | 3,887 |
| Credit loss provision to net charge-offs | 250.0000% | 1,522 |
| Earnings coverage of net charge-offs (x) | 19.8556% | 1,241 |
| Efficiency ratio | 55.9852% | 6,638 |
| Assets per employee ($millions) | 5.0146% | 2,168 |
| Cash dividends to net income (ytd only)* | 45.0831% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0838% | 1,997 |
| Loan loss allowance to noncurrent loans | 47.5023% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 1.4906% | 4,225 |
| Noncurrent loans to loans | 4.3868% | 1,676 |
| Net loans and leases to total assets | 32.0070% | 7,484 |
| Net loans and leases to deposits | 36.5912% | 7,519 |
| Net loans and leases to core deposits | 43.4404% | 7,418 |
| Total domestic deposits to total assets | 87.4719% | 2,270 |
| Equity capital to assets | 12.0708% | 2,057 |
| Core capital (leverage) ratio | 8.8556% | 4,824 |
| Tier 1 risk-based capital ratio | 23.3341% | 1,021 |
| Total risk-based capital ratio | 24.5568% | 1,002 |
| Memoranda: | ||
| Average total assets | $397,891,330 | 1,695 |
| Average earning assets | $385,354,000 | 1,606 |
| Average equity | $44,375,330 | 1,503 |
| Average total loans | $124,280,000 | 3,313 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0896% | 7,382 |
| Cost of funding earning assets | 0.9678% | 6,514 |
| Net interest margin | 3.1218% | 6,540 |
| Noninterest income to average assets | 0.6852% | 2,695 |
| Noninterest expense to average assets | 2.1876% | 6,717 |
| Loan and lease loss provision to assets | 0.2215% | 4,283 |
| Net operating income to assets | 1.3025% | 1,293 |
| Return on assets (ROA) | 1.5526% | 877 |
| Pretax return on assets | 1.5526% | 1,387 |
| Return on Equity (ROE) | 14.4807% | 957 |
| Retained earnings to average equity (ytd only) | 10.8077% | 958 |
| Net charge-offs to loans | 0.2546% | 3,416 |
| Credit loss provision to net charge-offs | 284.8101% | 1,384 |
| Earnings coverage of net charge-offs (x) | 19.5949% | 1,192 |
| Efficiency ratio | 58.9390% | 6,350 |
| Assets per employee ($millions) | 5.2583% | 1,905 |
| Cash dividends to net income (ytd only)* | 25.3646% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9836% | 2,231 |
| Loan loss allowance to noncurrent loans | 48.8924% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 1.4000% | 4,413 |
| Noncurrent loans to loans | 4.0570% | 1,925 |
| Net loans and leases to total assets | 30.5657% | 7,605 |
| Net loans and leases to deposits | 34.5409% | 7,647 |
| Net loans and leases to core deposits | 40.6686% | 7,558 |
| Total domestic deposits to total assets | 88.4915% | 1,790 |
| Equity capital to assets | 11.1862% | 2,601 |
| Core capital (leverage) ratio | 9.6307% | 3,595 |
| Tier 1 risk-based capital ratio | 22.3617% | 1,155 |
| Total risk-based capital ratio | 23.6137% | 1,133 |
| Memoranda: | ||
| Average total assets | $406,282,000 | 1,711 |
| Average earning assets | $393,878,000 | 1,611 |
| Average equity | $43,561,500 | 1,537 |
| Average total loans | $124,131,000 | 3,378 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3178% | 7,547 |
| Cost of funding earning assets | 1.3200% | 6,244 |
| Net interest margin | 2.9978% | 6,653 |
| Noninterest income to average assets | 1.1515% | 1,160 |
| Noninterest expense to average assets | 2.3092% | 6,726 |
| Loan and lease loss provision to assets | 0.6028% | 3,381 |
| Net operating income to assets | 1.1530% | 1,379 |
| Return on assets (ROA) | 1.1314% | 1,465 |
| Pretax return on assets | 1.1314% | 2,158 |
| Return on Equity (ROE) | 11.1838% | 1,384 |
| Retained earnings to average equity (ytd only) | 5.5895% | 1,533 |
| Net charge-offs to loans | 1.7046% | 1,480 |
| Credit loss provision to net charge-offs | 113.7947% | 4,816 |
| Earnings coverage of net charge-offs (x) | 3.3144% | 3,403 |
| Efficiency ratio | 56.8065% | 6,911 |
| Assets per employee ($millions) | 5.4333% | 1,707 |
| Cash dividends to net income (ytd only)* | 50.0217% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8805% | 2,311 |
| Loan loss allowance to noncurrent loans | 50.0430% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 1.2830% | 4,521 |
| Noncurrent loans to loans | 3.7577% | 1,994 |
| Net loans and leases to total assets | 29.3788% | 7,725 |
| Net loans and leases to deposits | 32.8268% | 7,775 |
| Net loans and leases to core deposits | 46.4593% | 7,656 |
| Total domestic deposits to total assets | 89.4965% | 1,210 |
| Equity capital to assets | 10.2727% | 3,435 |
| Core capital (leverage) ratio | 7.8445% | 6,395 |
| Tier 1 risk-based capital ratio | 21.2329% | 1,257 |
| Total risk-based capital ratio | 22.4833% | 1,228 |
| Memoranda: | ||
| Average total assets | $406,410,400 | 1,688 |
| Average earning assets | $394,993,000 | 1,609 |
| Average equity | $41,113,000 | 1,627 |
| Average total loans | $126,303,600 | 3,346 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3392% | 7,650 |
| Cost of funding earning assets | 1.3631% | 6,359 |
| Net interest margin | 2.9761% | 6,669 |
| Noninterest income to average assets | 1.1894% | 1,100 |
| Noninterest expense to average assets | 2.2672% | 6,793 |
| Loan and lease loss provision to assets | 0.4447% | 3,681 |
| Net operating income to assets | 1.3729% | 1,077 |
| Return on assets (ROA) | 1.3600% | 1,162 |
| Pretax return on assets | 1.3600% | 1,798 |
| Return on Equity (ROE) | 13.4976% | 1,011 |
| Retained earnings to average equity (ytd only) | 5.9790% | 1,960 |
| Net charge-offs to loans | 1.8209% | 1,107 |
| Credit loss provision to net charge-offs | 77.8547% | 5,812 |
| Earnings coverage of net charge-offs (x) | 3.1822% | 3,647 |
| Efficiency ratio | 55.5036% | 7,067 |
| Assets per employee ($millions) | 5.3836% | 1,721 |
| Cash dividends to net income (ytd only)* | 55.7035% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2728% | 4,668 |
| Loan loss allowance to noncurrent loans | 23.4832% | 6,876 |
| Noncurrent assets plus other real estate owned to assets | 1.6682% | 3,869 |
| Noncurrent loans to loans | 5.4199% | 1,157 |
| Net loans and leases to total assets | 30.3866% | 7,797 |
| Net loans and leases to deposits | 34.0245% | 7,859 |
| Net loans and leases to core deposits | 48.3015% | 7,722 |
| Total domestic deposits to total assets | 89.3080% | 1,056 |
| Equity capital to assets | 10.2198% | 3,827 |
| Core capital (leverage) ratio | 8.9097% | 4,796 |
| Tier 1 risk-based capital ratio | 20.8508% | 1,388 |
| Total risk-based capital ratio | 21.7718% | 1,409 |
| Memoranda: | ||
| Average total assets | $404,780,500 | 1,708 |
| Average earning assets | $393,793,750 | 1,628 |
| Average equity | $40,786,500 | 1,656 |
| Average total loans | $126,969,750 | 3,359 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4015% | 7,709 |
| Cost of funding earning assets | 1.3950% | 6,497 |
| Net interest margin | 3.0065% | 6,533 |
| Noninterest income to average assets | 1.2133% | 1,057 |
| Noninterest expense to average assets | 2.2840% | 6,801 |
| Loan and lease loss provision to assets | 0.2001% | 5,055 |
| Net operating income to assets | 1.6491% | 622 |
| Return on assets (ROA) | 1.6491% | 684 |
| Pretax return on assets | 1.6491% | 1,115 |
| Return on Equity (ROE) | 16.4483% | 653 |
| Retained earnings to average equity (ytd only) | 7.4656% | 1,405 |
| Net charge-offs to loans | 1.1536% | 1,578 |
| Credit loss provision to net charge-offs | 54.9451% | 5,679 |
| Earnings coverage of net charge-offs (x) | 5.0769% | 2,924 |
| Efficiency ratio | 55.2597% | 7,199 |
| Assets per employee ($millions) | 5.4886% | 1,590 |
| Cash dividends to net income (ytd only)* | 54.6117% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3412% | 4,028 |
| Loan loss allowance to noncurrent loans | 23.9005% | 6,907 |
| Noncurrent assets plus other real estate owned to assets | 1.6840% | 3,661 |
| Noncurrent loans to loans | 5.6117% | 1,024 |
| Net loans and leases to total assets | 29.6065% | 7,894 |
| Net loans and leases to deposits | 32.9796% | 7,954 |
| Net loans and leases to core deposits | 46.6351% | 7,823 |
| Total domestic deposits to total assets | 89.7721% | 925 |
| Equity capital to assets | 9.7643% | 4,267 |
| Core capital (leverage) ratio | 8.1578% | 6,061 |
| Tier 1 risk-based capital ratio | 20.8577% | 1,424 |
| Total risk-based capital ratio | 21.8184% | 1,432 |
| Memoranda: | ||
| Average total assets | $399,733,330 | 1,758 |
| Average earning assets | $388,230,330 | 1,670 |
| Average equity | $40,077,000 | 1,696 |
| Average total loans | $126,211,330 | 3,416 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5200% | 7,699 |
| Cost of funding earning assets | 1.4377% | 6,617 |
| Net interest margin | 3.0823% | 6,247 |
| Noninterest income to average assets | 1.1723% | 1,066 |
| Noninterest expense to average assets | 2.1963% | 6,877 |
| Loan and lease loss provision to assets | 0.1545% | 4,958 |
| Net operating income to assets | 1.8141% | 515 |
| Return on assets (ROA) | 1.8182% | 568 |
| Pretax return on assets | 1.8182% | 945 |
| Return on Equity (ROE) | 17.8813% | 598 |
| Retained earnings to average equity (ytd only) | 10.7896% | 1,010 |
| Net charge-offs to loans | 1.2263% | 1,140 |
| Credit loss provision to net charge-offs | 38.8601% | 4,833 |
| Earnings coverage of net charge-offs (x) | 4.9508% | 2,787 |
| Efficiency ratio | 52.7331% | 7,343 |
| Assets per employee ($millions) | 5.1952% | 1,848 |
| Cash dividends to net income (ytd only)* | 39.6601% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4280% | 3,355 |
| Loan loss allowance to noncurrent loans | 26.2403% | 6,825 |
| Noncurrent assets plus other real estate owned to assets | 1.7081% | 3,357 |
| Noncurrent loans to loans | 5.4421% | 952 |
| Net loans and leases to total assets | 30.9384% | 7,895 |
| Net loans and leases to deposits | 34.6273% | 7,973 |
| Net loans and leases to core deposits | 47.0471% | 7,847 |
| Total domestic deposits to total assets | 89.3469% | 1,079 |
| Equity capital to assets | 10.2757% | 3,675 |
| Core capital (leverage) ratio | 9.4115% | 4,088 |
| Tier 1 risk-based capital ratio | 20.8513% | 1,472 |
| Total risk-based capital ratio | 21.8466% | 1,478 |
| Memoranda: | ||
| Average total assets | $388,290,000 | 1,814 |
| Average earning assets | $376,987,500 | 1,722 |
| Average equity | $39,482,500 | 1,722 |
| Average total loans | $125,905,000 | 3,447 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2054% | 7,684 |
| Cost of funding earning assets | 1.8445% | 6,883 |
| Net interest margin | 3.3610% | 5,816 |
| Noninterest income to average assets | 1.0171% | 1,532 |
| Noninterest expense to average assets | 2.2493% | 6,842 |
| Loan and lease loss provision to assets | 0.1284% | 5,724 |
| Net operating income to assets | 1.8785% | 457 |
| Return on assets (ROA) | 1.9275% | 396 |
| Pretax return on assets | 1.9275% | 726 |
| Return on Equity (ROE) | 19.4260% | 422 |
| Retained earnings to average equity (ytd only) | 10.4431% | 393 |
| Net charge-offs to loans | 0.2725% | 3,590 |
| Credit loss provision to net charge-offs | 134.7305% | 3,952 |
| Earnings coverage of net charge-offs (x) | 21.0659% | 1,548 |
| Efficiency ratio | 52.8481% | 7,401 |
| Assets per employee ($millions) | 5.0885% | 1,855 |
| Cash dividends to net income (ytd only)* | 46.2415% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6071% | 2,216 |
| Loan loss allowance to noncurrent loans | 28.6178% | 6,789 |
| Noncurrent assets plus other real estate owned to assets | 1.8829% | 2,613 |
| Noncurrent loans to loans | 5.6157% | 700 |
| Net loans and leases to total assets | 32.9903% | 7,916 |
| Net loans and leases to deposits | 36.7764% | 8,004 |
| Net loans and leases to core deposits | 48.4096% | 7,917 |
| Total domestic deposits to total assets | 89.7051% | 766 |
| Equity capital to assets | 10.0543% | 3,968 |
| Core capital (leverage) ratio | 9.4066% | 4,146 |
| Tier 1 risk-based capital ratio | 20.7446% | 1,495 |
| Total risk-based capital ratio | 21.6932% | 1,510 |
| Memoranda: | ||
| Average total assets | $350,603,200 | 1,899 |
| Average earning assets | $337,877,800 | 1,821 |
| Average equity | $34,788,400 | 1,945 |
| Average total loans | $122,585,800 | 3,411 |