Home > First National Bank of Louisiana > Performance and Condition Ratios
First National Bank of Louisiana, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0011% | 2,067 |
| Cost of funding earning assets | 0.8035% | 3,719 |
| Net interest margin | 4.1976% | 938 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.4283% | 2,503 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 2.0319% | 448 |
| Return on assets (ROA) | 2.0319% | 431 |
| Pretax return on assets | 2.0319% | 637 |
| Return on Equity (ROE) | 19.6800% | 641 |
| Retained earnings to average equity (ytd only) | 10.8842% | 817 |
| Net charge-offs to loans | 0.0077% | 2,388 |
| Credit loss provision to net charge-offs | 962.9630% | 426 |
| Earnings coverage of net charge-offs (x) | 417.2593% | 339 |
| Efficiency ratio | 53.8638% | 3,686 |
| Assets per employee ($millions) | 7.3620% | 1,836 |
| Cash dividends to net income (ytd only)* | 44.6847% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 2,259 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 65.4500% | 2,317 |
| Net loans and leases to deposits | 73.9014% | 2,623 |
| Net loans and leases to core deposits | 79.8482% | 2,707 |
| Total domestic deposits to total assets | 88.5600% | 1,194 |
| Equity capital to assets | 10.6012% | 1,676 |
| Core capital (leverage) ratio | 11.9968% | 1,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0876% | 903 |
| Memoranda: | ||
| Average total assets | $541,660,400 | 1,637 |
| Average earning assets | $511,247,000 | 1,600 |
| Average equity | $55,934,400 | 1,469 |
| Average total loans | $350,558,400 | 1,610 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8890% | 2,087 |
| Cost of funding earning assets | 0.6822% | 3,807 |
| Net interest margin | 4.2067% | 915 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 2.3842% | 2,565 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 2.1141% | 428 |
| Return on assets (ROA) | 2.1141% | 420 |
| Pretax return on assets | 2.1141% | 640 |
| Return on Equity (ROE) | 20.6200% | 665 |
| Retained earnings to average equity (ytd only) | 16.3585% | 436 |
| Net charge-offs to loans | 0.0085% | 2,095 |
| Credit loss provision to net charge-offs | 636.3636% | 538 |
| Earnings coverage of net charge-offs (x) | 393.5455% | 368 |
| Efficiency ratio | 52.5953% | 3,711 |
| Assets per employee ($millions) | 7.2466% | 1,790 |
| Cash dividends to net income (ytd only)* | 20.6504% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2258% | 2,246 |
| Loan loss allowance to noncurrent loans | 435,900.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 3,678 |
| Noncurrent loans to loans | 0.0003% | 3,842 |
| Net loans and leases to total assets | 65.5000% | 2,293 |
| Net loans and leases to deposits | 74.1181% | 2,553 |
| Net loans and leases to core deposits | 78.5197% | 2,718 |
| Total domestic deposits to total assets | 88.3700% | 1,457 |
| Equity capital to assets | 10.5691% | 1,524 |
| Core capital (leverage) ratio | 12.6564% | 1,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9435% | 821 |
| Memoranda: | ||
| Average total assets | $537,197,750 | 1,647 |
| Average earning assets | $506,189,750 | 1,615 |
| Average equity | $55,089,250 | 1,473 |
| Average total loans | $345,529,000 | 1,623 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7808% | 2,034 |
| Cost of funding earning assets | 0.6020% | 3,746 |
| Net interest margin | 4.1788% | 961 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 2.3746% | 2,575 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 2.1380% | 382 |
| Return on assets (ROA) | 2.1380% | 377 |
| Pretax return on assets | 2.1380% | 587 |
| Return on Equity (ROE) | 21.0600% | 617 |
| Retained earnings to average equity (ytd only) | 17.2874% | 380 |
| Net charge-offs to loans | 0.0006% | 2,426 |
| Credit loss provision to net charge-offs | 3,000.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 5,776.0000% | 11 |
| Efficiency ratio | 52.4922% | 3,741 |
| Assets per employee ($millions) | 7.0043% | 1,925 |
| Cash dividends to net income (ytd only)* | 17.9255% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2298% | 2,290 |
| Loan loss allowance to noncurrent loans | 1,611.3208% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 3,274 |
| Noncurrent loans to loans | 0.0763% | 3,136 |
| Net loans and leases to total assets | 65.2800% | 2,236 |
| Net loans and leases to deposits | 74.0044% | 2,490 |
| Net loans and leases to core deposits | 76.0613% | 2,759 |
| Total domestic deposits to total assets | 88.2200% | 1,523 |
| Equity capital to assets | 10.8011% | 1,462 |
| Core capital (leverage) ratio | 12.2904% | 1,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5265% | 878 |
| Memoranda: | ||
| Average total assets | $537,513,667 | 1,643 |
| Average earning assets | $506,606,333 | 1,611 |
| Average equity | $54,560,000 | 1,492 |
| Average total loans | $342,173,667 | 1,625 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6409% | 1,993 |
| Cost of funding earning assets | 0.5451% | 3,552 |
| Net interest margin | 4.0958% | 1,103 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.3333% | 2,716 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.0000% | 495 |
| Return on assets (ROA) | 2.0000% | 490 |
| Pretax return on assets | 2.0000% | 783 |
| Return on Equity (ROE) | 20.3300% | 721 |
| Retained earnings to average equity (ytd only) | 16.4804% | 642 |
| Net charge-offs to loans | 0.0024% | 1,946 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 1,359.0000% | 68 |
| Efficiency ratio | 53.8462% | 3,616 |
| Assets per employee ($millions) | 7.0151% | 1,969 |
| Cash dividends to net income (ytd only)* | 18.9478% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2555% | 2,265 |
| Loan loss allowance to noncurrent loans | 1,587.6404% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 3,286 |
| Noncurrent loans to loans | 0.0791% | 3,171 |
| Net loans and leases to total assets | 62.5300% | 2,411 |
| Net loans and leases to deposits | 70.4060% | 2,573 |
| Net loans and leases to core deposits | 72.3897% | 2,788 |
| Total domestic deposits to total assets | 88.8200% | 1,607 |
| Equity capital to assets | 10.3219% | 1,658 |
| Core capital (leverage) ratio | 11.4891% | 1,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6573% | 887 |
| Memoranda: | ||
| Average total assets | $543,607,500 | 1,645 |
| Average earning assets | $513,694,500 | 1,611 |
| Average equity | $53,469,500 | 1,526 |
| Average total loans | $339,649,500 | 1,652 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5761% | 2,864 |
| Cost of funding earning assets | 0.2120% | 3,661 |
| Net interest margin | 3.3640% | 2,370 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.0386% | 3,473 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5522% | 777 |
| Return on assets (ROA) | 1.5522% | 743 |
| Pretax return on assets | 1.5522% | 1,285 |
| Return on Equity (ROE) | 17.1000% | 845 |
| Retained earnings to average equity (ytd only) | 9.7216% | 1,233 |
| Net charge-offs to loans | 0.0066% | 2,165 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 427.6190% | 372 |
| Efficiency ratio | 56.7729% | 3,494 |
| Assets per employee ($millions) | 7.5900% | 1,556 |
| Cash dividends to net income (ytd only)* | 43.1403% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2963% | 1,910 |
| Loan loss allowance to noncurrent loans | 17,716.0000% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 3,881 |
| Noncurrent loans to loans | 0.0073% | 3,806 |
| Net loans and leases to total assets | 60.8700% | 2,568 |
| Net loans and leases to deposits | 67.6814% | 2,752 |
| Net loans and leases to core deposits | 68.8637% | 2,951 |
| Total domestic deposits to total assets | 89.9300% | 1,390 |
| Equity capital to assets | 9.3685% | 2,098 |
| Core capital (leverage) ratio | 10.5545% | 2,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8657% | 999 |
| Memoranda: | ||
| Average total assets | $578,542,000 | 1,546 |
| Average earning assets | $549,874,800 | 1,502 |
| Average equity | $52,522,400 | 1,552 |
| Average total loans | $319,887,800 | 1,637 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2946% | 3,189 |
| Cost of funding earning assets | 0.1506% | 3,838 |
| Net interest margin | 3.1440% | 2,791 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 1.9322% | 3,666 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4417% | 973 |
| Return on assets (ROA) | 1.4417% | 951 |
| Pretax return on assets | 1.4417% | 1,592 |
| Return on Equity (ROE) | 16.0000% | 979 |
| Retained earnings to average equity (ytd only) | 12.0912% | 777 |
| Net charge-offs to loans | 0.0072% | 1,880 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 371.8824% | 412 |
| Efficiency ratio | 57.2693% | 3,479 |
| Assets per employee ($millions) | 8.2536% | 1,195 |
| Cash dividends to net income (ytd only)* | 24.4385% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3389% | 1,848 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 55.7400% | 2,926 |
| Net loans and leases to deposits | 61.4485% | 3,072 |
| Net loans and leases to core deposits | 62.2510% | 3,230 |
| Total domestic deposits to total assets | 90.7100% | 1,357 |
| Equity capital to assets | 8.4635% | 2,571 |
| Core capital (leverage) ratio | 10.1141% | 2,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2521% | 955 |
| Memoranda: | ||
| Average total assets | $584,660,250 | 1,529 |
| Average earning assets | $556,002,250 | 1,495 |
| Average equity | $52,676,000 | 1,573 |
| Average total loans | $314,443,000 | 1,652 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0538% | 3,418 |
| Cost of funding earning assets | 0.1211% | 3,950 |
| Net interest margin | 2.9328% | 3,079 |
| Noninterest income to average assets | 0.3728% | 2,912 |
| Noninterest expense to average assets | 1.8651% | 3,796 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3026% | 1,129 |
| Return on assets (ROA) | 1.3026% | 1,112 |
| Pretax return on assets | 1.3026% | 1,741 |
| Return on Equity (ROE) | 14.1707% | 1,071 |
| Retained earnings to average equity (ytd only) | 10.3347% | 943 |
| Net charge-offs to loans | 0.0097% | 1,621 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 253.6667% | 466 |
| Efficiency ratio | 58.8782% | 3,450 |
| Assets per employee ($millions) | 7.9744% | 1,320 |
| Cash dividends to net income (ytd only)* | 27.0696% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4152% | 1,693 |
| Loan loss allowance to noncurrent loans | 2,091.9811% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 3,617 |
| Noncurrent loans to loans | 0.0676% | 3,459 |
| Net loans and leases to total assets | 53.0726% | 3,053 |
| Net loans and leases to deposits | 58.7552% | 3,159 |
| Net loans and leases to core deposits | 59.5853% | 3,300 |
| Total domestic deposits to total assets | 90.3283% | 1,563 |
| Equity capital to assets | 8.9107% | 2,441 |
| Core capital (leverage) ratio | 9.8650% | 2,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6365% | 901 |
| Memoranda: | ||
| Average total assets | $584,211,000 | 1,538 |
| Average earning assets | $556,743,000 | 1,500 |
| Average equity | $53,702,333 | 1,592 |
| Average total loans | $308,893,667 | 1,676 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9594% | 3,372 |
| Cost of funding earning assets | 0.1219% | 3,878 |
| Net interest margin | 2.8375% | 3,021 |
| Noninterest income to average assets | 0.3636% | 2,916 |
| Noninterest expense to average assets | 1.8132% | 3,907 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2548% | 1,106 |
| Return on assets (ROA) | 1.2548% | 1,094 |
| Pretax return on assets | 1.2548% | 1,642 |
| Return on Equity (ROE) | 13.4462% | 952 |
| Retained earnings to average equity (ytd only) | 9.6746% | 1,101 |
| Net charge-offs to loans | 0.0052% | 1,568 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 459.0000% | 222 |
| Efficiency ratio | 59.1000% | 3,576 |
| Assets per employee ($millions) | 8.2752% | 1,219 |
| Cash dividends to net income (ytd only)* | 28.0501% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4816% | 1,616 |
| Loan loss allowance to noncurrent loans | 2,067.9070% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 3,673 |
| Noncurrent loans to loans | 0.0716% | 3,495 |
| Net loans and leases to total assets | 50.3182% | 3,140 |
| Net loans and leases to deposits | 55.7320% | 3,294 |
| Net loans and leases to core deposits | 56.5123% | 3,410 |
| Total domestic deposits to total assets | 90.2859% | 1,393 |
| Equity capital to assets | 9.0258% | 2,688 |
| Core capital (leverage) ratio | 9.7427% | 2,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2991% | 858 |
| Memoranda: | ||
| Average total assets | $585,250,000 | 1,544 |
| Average earning assets | $557,821,000 | 1,509 |
| Average equity | $54,617,500 | 1,609 |
| Average total loans | $306,646,500 | 1,677 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2104% | 3,450 |
| Cost of funding earning assets | 0.2576% | 2,835 |
| Net interest margin | 2.9527% | 3,315 |
| Noninterest income to average assets | 0.3717% | 3,204 |
| Noninterest expense to average assets | 2.1297% | 3,305 |
| Loan and lease loss provision to assets | -0.0880% | 4,501 |
| Net operating income to assets | 1.1221% | 2,203 |
| Return on assets (ROA) | 1.1221% | 2,264 |
| Pretax return on assets | 1.1221% | 2,900 |
| Return on Equity (ROE) | 11.4963% | 1,988 |
| Retained earnings to average equity (ytd only) | 5.6842% | 2,486 |
| Net charge-offs to loans | 0.0164% | 1,968 |
| Credit loss provision to net charge-offs | -892.8571% | 3,892 |
| Earnings coverage of net charge-offs (x) | 104.9821% | 861 |
| Efficiency ratio | 67.3135% | 2,078 |
| Assets per employee ($millions) | 8.0967% | 1,277 |
| Cash dividends to net income (ytd only)* | 50.5565% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4208% | 1,839 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 52.9637% | 2,968 |
| Net loans and leases to deposits | 59.0032% | 3,170 |
| Net loans and leases to core deposits | 59.9954% | 3,312 |
| Total domestic deposits to total assets | 89.7642% | 1,078 |
| Equity capital to assets | 9.6413% | 3,002 |
| Core capital (leverage) ratio | 9.8949% | 2,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4294% | 831 |
| Memoranda: | ||
| Average total assets | $568,478,000 | 1,517 |
| Average earning assets | $537,572,200 | 1,502 |
| Average equity | $55,487,200 | 1,620 |
| Average total loans | $340,669,800 | 1,555 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2724% | 3,455 |
| Cost of funding earning assets | 0.3013% | 2,579 |
| Net interest margin | 2.9711% | 3,380 |
| Noninterest income to average assets | 0.3616% | 3,288 |
| Noninterest expense to average assets | 2.2134% | 3,027 |
| Loan and lease loss provision to assets | -0.1181% | 4,642 |
| Net operating income to assets | 1.0686% | 2,656 |
| Return on assets (ROA) | 1.0686% | 2,724 |
| Pretax return on assets | 1.0686% | 3,276 |
| Return on Equity (ROE) | 10.9132% | 2,395 |
| Retained earnings to average equity (ytd only) | 7.1887% | 2,346 |
| Net charge-offs to loans | -0.0012% | 3,136 |
| Credit loss provision to net charge-offs | 16,666.6667% | 42 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9567% | 1,605 |
| Assets per employee ($millions) | 7.6663% | 1,466 |
| Cash dividends to net income (ytd only)* | 34.1286% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4117% | 1,976 |
| Loan loss allowance to noncurrent loans | 8,051.7857% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 4,167 |
| Noncurrent loans to loans | 0.0175% | 4,075 |
| Net loans and leases to total assets | 56.2667% | 2,701 |
| Net loans and leases to deposits | 63.1259% | 2,943 |
| Net loans and leases to core deposits | 64.2828% | 3,111 |
| Total domestic deposits to total assets | 89.1341% | 1,207 |
| Equity capital to assets | 10.0579% | 2,841 |
| Core capital (leverage) ratio | 9.6466% | 2,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1797% | 929 |
| Memoranda: | ||
| Average total assets | $564,857,250 | 1,540 |
| Average earning assets | $532,762,750 | 1,527 |
| Average equity | $55,307,750 | 1,645 |
| Average total loans | $347,535,250 | 1,556 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3297% | 3,362 |
| Cost of funding earning assets | 0.3290% | 2,497 |
| Net interest margin | 3.0006% | 3,323 |
| Noninterest income to average assets | 0.3590% | 3,312 |
| Noninterest expense to average assets | 1.8864% | 3,999 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3085% | 1,839 |
| Return on assets (ROA) | 1.3085% | 1,912 |
| Pretax return on assets | 1.3085% | 2,610 |
| Return on Equity (ROE) | 13.4847% | 1,568 |
| Retained earnings to average equity (ytd only) | 9.7379% | 1,487 |
| Net charge-offs to loans | -0.0017% | 3,162 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0432% | 3,146 |
| Assets per employee ($millions) | 7.8751% | 1,269 |
| Cash dividends to net income (ytd only)* | 27.7853% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4404% | 1,810 |
| Loan loss allowance to noncurrent loans | 8,944.6429% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 4,242 |
| Noncurrent loans to loans | 0.0161% | 4,145 |
| Net loans and leases to total assets | 58.8144% | 2,568 |
| Net loans and leases to deposits | 69.4280% | 2,474 |
| Net loans and leases to core deposits | 70.7191% | 2,711 |
| Total domestic deposits to total assets | 84.7127% | 3,213 |
| Equity capital to assets | 9.6503% | 3,199 |
| Core capital (leverage) ratio | 9.6166% | 2,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6204% | 868 |
| Memoranda: | ||
| Average total assets | $566,596,333 | 1,533 |
| Average earning assets | $535,488,000 | 1,513 |
| Average equity | $54,981,000 | 1,645 |
| Average total loans | $356,913,667 | 1,535 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3580% | 3,318 |
| Cost of funding earning assets | 0.3395% | 2,627 |
| Net interest margin | 3.0185% | 3,210 |
| Noninterest income to average assets | 0.3681% | 3,255 |
| Noninterest expense to average assets | 1.8886% | 4,005 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3321% | 1,726 |
| Return on assets (ROA) | 1.3321% | 1,814 |
| Pretax return on assets | 1.3321% | 2,480 |
| Return on Equity (ROE) | 13.6884% | 1,494 |
| Retained earnings to average equity (ytd only) | 9.8983% | 1,677 |
| Net charge-offs to loans | -0.0022% | 3,158 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6391% | 3,216 |
| Assets per employee ($millions) | 8.1611% | 1,122 |
| Cash dividends to net income (ytd only)* | 27.6882% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3543% | 2,182 |
| Loan loss allowance to noncurrent loans | 8,488.1356% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 4,314 |
| Noncurrent loans to loans | 0.0160% | 4,219 |
| Net loans and leases to total assets | 62.9544% | 2,173 |
| Net loans and leases to deposits | 74.2516% | 2,093 |
| Net loans and leases to core deposits | 75.6881% | 2,379 |
| Total domestic deposits to total assets | 84.7852% | 3,189 |
| Equity capital to assets | 9.4706% | 3,232 |
| Core capital (leverage) ratio | 9.7751% | 2,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3671% | 871 |
| Memoranda: | ||
| Average total assets | $558,515,000 | 1,540 |
| Average earning assets | $527,812,000 | 1,518 |
| Average equity | $54,352,500 | 1,648 |
| Average total loans | $361,493,000 | 1,519 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8532% | 3,156 |
| Cost of funding earning assets | 0.4248% | 3,432 |
| Net interest margin | 3.4284% | 2,680 |
| Noninterest income to average assets | 0.4507% | 2,864 |
| Noninterest expense to average assets | 2.3355% | 3,306 |
| Loan and lease loss provision to assets | 0.1408% | 2,595 |
| Net operating income to assets | 1.1973% | 1,566 |
| Return on assets (ROA) | 1.1973% | 1,667 |
| Pretax return on assets | 1.1973% | 2,334 |
| Return on Equity (ROE) | 10.7789% | 1,712 |
| Retained earnings to average equity (ytd only) | 5.4214% | 2,082 |
| Net charge-offs to loans | 0.0074% | 3,069 |
| Credit loss provision to net charge-offs | 2,700.0000% | 358 |
| Earnings coverage of net charge-offs (x) | 256.5200% | 394 |
| Efficiency ratio | 63.5749% | 2,882 |
| Assets per employee ($millions) | 7.6799% | 1,174 |
| Cash dividends to net income (ytd only)* | 49.7037% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4173% | 1,902 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 64.7685% | 2,265 |
| Net loans and leases to deposits | 77.4159% | 2,134 |
| Net loans and leases to core deposits | 79.0379% | 2,450 |
| Total domestic deposits to total assets | 83.6631% | 3,214 |
| Equity capital to assets | 10.0130% | 3,127 |
| Core capital (leverage) ratio | 10.1382% | 2,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1625% | 881 |
| Memoranda: | ||
| Average total assets | $479,254,200 | 1,614 |
| Average earning assets | $450,533,400 | 1,597 |
| Average equity | $53,233,600 | 1,597 |
| Average total loans | $338,033,000 | 1,546 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5037% | 1,562 |
| Cost of funding earning assets | 0.4344% | 3,613 |
| Net interest margin | 4.0693% | 950 |
| Noninterest income to average assets | 0.4680% | 2,755 |
| Noninterest expense to average assets | 2.2915% | 3,445 |
| Loan and lease loss provision to assets | 0.1922% | 2,065 |
| Net operating income to assets | 1.8034% | 446 |
| Return on assets (ROA) | 1.8034% | 501 |
| Pretax return on assets | 1.8034% | 773 |
| Return on Equity (ROE) | 15.7857% | 572 |
| Retained earnings to average equity (ytd only) | 11.9052% | 438 |
| Net charge-offs to loans | 0.0040% | 3,021 |
| Credit loss provision to net charge-offs | 6,700.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 695.5000% | 174 |
| Efficiency ratio | 53.4502% | 4,206 |
| Assets per employee ($millions) | 7.5881% | 1,166 |
| Cash dividends to net income (ytd only)* | 24.5823% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3779% | 1,838 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 68.5718% | 2,164 |
| Net loans and leases to deposits | 87.1502% | 1,576 |
| Net loans and leases to core deposits | 88.8956% | 2,075 |
| Total domestic deposits to total assets | 78.6824% | 4,105 |
| Equity capital to assets | 10.6324% | 2,684 |
| Core capital (leverage) ratio | 10.5221% | 2,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5726% | 829 |
| Memoranda: | ||
| Average total assets | $464,669,500 | 1,635 |
| Average earning assets | $436,105,250 | 1,617 |
| Average equity | $53,084,750 | 1,590 |
| Average total loans | $334,242,000 | 1,552 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1057% | 677 |
| Cost of funding earning assets | 0.4501% | 3,791 |
| Net interest margin | 4.6556% | 370 |
| Noninterest income to average assets | 0.4970% | 2,584 |
| Noninterest expense to average assets | 2.4259% | 3,187 |
| Loan and lease loss provision to assets | 0.2966% | 1,451 |
| Net operating income to assets | 2.1347% | 244 |
| Return on assets (ROA) | 2.1347% | 271 |
| Pretax return on assets | 2.1347% | 409 |
| Return on Equity (ROE) | 18.1911% | 350 |
| Retained earnings to average equity (ytd only) | 14.2465% | 262 |
| Net charge-offs to loans | 0.0049% | 2,790 |
| Credit loss provision to net charge-offs | 8,250.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 676.2500% | 147 |
| Efficiency ratio | 49.9445% | 4,511 |
| Assets per employee ($millions) | 7.3309% | 1,262 |
| Cash dividends to net income (ytd only)* | 21.6842% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3672% | 1,703 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 68.4500% | 2,273 |
| Net loans and leases to deposits | 87.2238% | 1,636 |
| Net loans and leases to core deposits | 88.8196% | 2,172 |
| Total domestic deposits to total assets | 78.4763% | 4,121 |
| Equity capital to assets | 10.3546% | 2,885 |
| Core capital (leverage) ratio | 10.7820% | 2,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1414% | 888 |
| Memoranda: | ||
| Average total assets | $445,032,333 | 1,666 |
| Average earning assets | $416,785,333 | 1,659 |
| Average equity | $52,223,333 | 1,602 |
| Average total loans | $324,307,667 | 1,575 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5818% | 2,049 |
| Cost of funding earning assets | 0.5081% | 3,907 |
| Net interest margin | 4.0737% | 1,191 |
| Noninterest income to average assets | 0.5787% | 2,138 |
| Noninterest expense to average assets | 2.3962% | 3,545 |
| Loan and lease loss provision to assets | 0.0297% | 3,410 |
| Net operating income to assets | 1.9582% | 293 |
| Return on assets (ROA) | 1.9582% | 325 |
| Pretax return on assets | 1.9582% | 500 |
| Return on Equity (ROE) | 15.4956% | 482 |
| Retained earnings to average equity (ytd only) | 11.4570% | 491 |
| Net charge-offs to loans | 0.0053% | 2,388 |
| Credit loss provision to net charge-offs | 750.0000% | 687 |
| Earnings coverage of net charge-offs (x) | 501.5000% | 126 |
| Efficiency ratio | 54.6564% | 4,338 |
| Assets per employee ($millions) | 5.9567% | 1,717 |
| Cash dividends to net income (ytd only)* | 26.0628% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4560% | 1,511 |
| Loan loss allowance to noncurrent loans | 146,066.6667% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 4,607 |
| Noncurrent loans to loans | 0.0010% | 4,588 |
| Net loans and leases to total assets | 71.1291% | 2,068 |
| Net loans and leases to deposits | 90.7199% | 1,431 |
| Net loans and leases to core deposits | 92.6637% | 2,101 |
| Total domestic deposits to total assets | 78.4052% | 4,154 |
| Equity capital to assets | 12.4422% | 1,771 |
| Core capital (leverage) ratio | 12.5071% | 1,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1307% | 1,128 |
| Memoranda: | ||
| Average total assets | $403,637,000 | 1,758 |
| Average earning assets | $377,056,000 | 1,755 |
| Average equity | $51,008,000 | 1,632 |
| Average total loans | $303,310,000 | 1,630 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7777% | 2,112 |
| Cost of funding earning assets | 0.4408% | 4,306 |
| Net interest margin | 4.3370% | 1,013 |
| Noninterest income to average assets | 0.6104% | 2,170 |
| Noninterest expense to average assets | 2.6372% | 3,070 |
| Loan and lease loss provision to assets | 0.0511% | 3,000 |
| Net operating income to assets | 1.9739% | 376 |
| Return on assets (ROA) | 1.9739% | 391 |
| Pretax return on assets | 1.9739% | 632 |
| Return on Equity (ROE) | 15.9202% | 547 |
| Retained earnings to average equity (ytd only) | 6.6241% | 1,554 |
| Net charge-offs to loans | 0.0112% | 3,293 |
| Credit loss provision to net charge-offs | 606.0606% | 509 |
| Earnings coverage of net charge-offs (x) | 240.0606% | 345 |
| Efficiency ratio | 56.5656% | 4,137 |
| Assets per employee ($millions) | 5.6566% | 1,918 |
| Cash dividends to net income (ytd only)* | 58.3916% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4251% | 1,437 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 4,574 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 77.1949% | 1,228 |
| Net loans and leases to deposits | 92.2749% | 1,330 |
| Net loans and leases to core deposits | 94.0143% | 2,058 |
| Total domestic deposits to total assets | 83.6575% | 2,973 |
| Equity capital to assets | 12.8453% | 1,614 |
| Core capital (leverage) ratio | 12.7631% | 1,348 |
| Tier 1 risk-based capital ratio | 16.0882% | 2,374 |
| Total risk-based capital ratio | 17.3402% | 2,320 |
| Memoranda: | ||
| Average total assets | $391,209,800 | 1,767 |
| Average earning assets | $365,487,000 | 1,762 |
| Average equity | $48,504,400 | 1,646 |
| Average total loans | $295,894,600 | 1,625 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7802% | 2,178 |
| Cost of funding earning assets | 0.4352% | 4,382 |
| Net interest margin | 4.3450% | 1,065 |
| Noninterest income to average assets | 0.5937% | 2,236 |
| Noninterest expense to average assets | 2.5877% | 3,198 |
| Loan and lease loss provision to assets | 0.0307% | 3,288 |
| Net operating income to assets | 2.0359% | 373 |
| Return on assets (ROA) | 2.0359% | 386 |
| Pretax return on assets | 2.0359% | 639 |
| Return on Equity (ROE) | 16.5690% | 529 |
| Retained earnings to average equity (ytd only) | 9.9298% | 764 |
| Net charge-offs to loans | 0.0132% | 2,904 |
| Credit loss provision to net charge-offs | 310.3448% | 930 |
| Earnings coverage of net charge-offs (x) | 209.1836% | 430 |
| Efficiency ratio | 55.5987% | 4,206 |
| Assets per employee ($millions) | 5.4869% | 2,043 |
| Cash dividends to net income (ytd only)* | 40.0702% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4359% | 1,436 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 4,663 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 77.0570% | 1,303 |
| Net loans and leases to deposits | 93.2910% | 1,292 |
| Net loans and leases to core deposits | 95.1330% | 2,075 |
| Total domestic deposits to total assets | 82.5985% | 3,281 |
| Equity capital to assets | 13.3468% | 1,435 |
| Core capital (leverage) ratio | 12.8419% | 1,412 |
| Tier 1 risk-based capital ratio | 16.8258% | 2,141 |
| Total risk-based capital ratio | 18.0779% | 2,089 |
| Memoranda: | ||
| Average total assets | $391,435,500 | 1,783 |
| Average earning assets | $365,805,500 | 1,773 |
| Average equity | $48,096,500 | 1,654 |
| Average total loans | $293,455,000 | 1,644 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6750% | 2,437 |
| Cost of funding earning assets | 0.4254% | 4,412 |
| Net interest margin | 4.2496% | 1,239 |
| Noninterest income to average assets | 0.5529% | 2,374 |
| Noninterest expense to average assets | 2.5306% | 3,386 |
| Loan and lease loss provision to assets | 0.0303% | 3,211 |
| Net operating income to assets | 1.9701% | 407 |
| Return on assets (ROA) | 1.9701% | 427 |
| Pretax return on assets | 1.9701% | 718 |
| Return on Equity (ROE) | 16.4871% | 526 |
| Retained earnings to average equity (ytd only) | 8.5354% | 1,186 |
| Net charge-offs to loans | 0.0103% | 2,763 |
| Credit loss provision to net charge-offs | 400.0000% | 710 |
| Earnings coverage of net charge-offs (x) | 263.8667% | 308 |
| Efficiency ratio | 55.8505% | 4,261 |
| Assets per employee ($millions) | 5.9608% | 1,572 |
| Cash dividends to net income (ytd only)* | 48.2299% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4330% | 1,478 |
| Loan loss allowance to noncurrent loans | 5,359.4937% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 4,688 |
| Noncurrent loans to loans | 0.0267% | 4,590 |
| Net loans and leases to total assets | 72.9238% | 2,073 |
| Net loans and leases to deposits | 86.9744% | 2,133 |
| Net loans and leases to core deposits | 88.8633% | 2,717 |
| Total domestic deposits to total assets | 83.8452% | 2,930 |
| Equity capital to assets | 12.2377% | 2,030 |
| Core capital (leverage) ratio | 12.2524% | 1,673 |
| Tier 1 risk-based capital ratio | 16.5201% | 2,229 |
| Total risk-based capital ratio | 17.7724% | 2,180 |
| Memoranda: | ||
| Average total assets | $395,716,000 | 1,775 |
| Average earning assets | $370,438,670 | 1,763 |
| Average equity | $47,285,330 | 1,673 |
| Average total loans | $292,612,330 | 1,650 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5514% | 2,691 |
| Cost of funding earning assets | 0.4227% | 4,392 |
| Net interest margin | 4.1287% | 1,482 |
| Noninterest income to average assets | 0.5159% | 2,464 |
| Noninterest expense to average assets | 2.5104% | 3,480 |
| Loan and lease loss provision to assets | 0.0305% | 3,012 |
| Net operating income to assets | 1.8432% | 516 |
| Return on assets (ROA) | 1.8432% | 528 |
| Pretax return on assets | 1.8432% | 885 |
| Return on Equity (ROE) | 15.6159% | 648 |
| Retained earnings to average equity (ytd only) | 3.8717% | 3,369 |
| Net charge-offs to loans | 0.0192% | 2,079 |
| Credit loss provision to net charge-offs | 214.2857% | 1,008 |
| Earnings coverage of net charge-offs (x) | 131.7857% | 556 |
| Efficiency ratio | 57.2620% | 4,177 |
| Assets per employee ($millions) | 5.8928% | 1,630 |
| Cash dividends to net income (ytd only)* | 75.2066% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4493% | 1,513 |
| Loan loss allowance to noncurrent loans | 5,322.7848% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 4,763 |
| Noncurrent loans to loans | 0.0272% | 4,661 |
| Net loans and leases to total assets | 71.3582% | 2,276 |
| Net loans and leases to deposits | 84.6496% | 2,307 |
| Net loans and leases to core deposits | 86.4671% | 2,833 |
| Total domestic deposits to total assets | 84.2983% | 2,949 |
| Equity capital to assets | 11.7150% | 2,218 |
| Core capital (leverage) ratio | 11.9849% | 1,785 |
| Tier 1 risk-based capital ratio | 16.3249% | 2,328 |
| Total risk-based capital ratio | 17.5773% | 2,272 |
| Memoranda: | ||
| Average total assets | $393,887,500 | 1,791 |
| Average earning assets | $369,027,500 | 1,771 |
| Average equity | $46,491,000 | 1,685 |
| Average total loans | $291,182,500 | 1,662 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4610% | 2,576 |
| Cost of funding earning assets | 0.3459% | 4,306 |
| Net interest margin | 4.1151% | 1,635 |
| Noninterest income to average assets | 0.6347% | 2,129 |
| Noninterest expense to average assets | 2.6116% | 3,301 |
| Loan and lease loss provision to assets | 0.0392% | 3,416 |
| Net operating income to assets | 1.8417% | 509 |
| Return on assets (ROA) | 1.8417% | 505 |
| Pretax return on assets | 1.8417% | 830 |
| Return on Equity (ROE) | 16.1219% | 606 |
| Retained earnings to average equity (ytd only) | 9.7400% | 669 |
| Net charge-offs to loans | 0.0087% | 3,384 |
| Credit loss provision to net charge-offs | 600.0000% | 575 |
| Earnings coverage of net charge-offs (x) | 287.9200% | 338 |
| Efficiency ratio | 58.1317% | 4,140 |
| Assets per employee ($millions) | 5.6922% | 1,777 |
| Cash dividends to net income (ytd only)* | 39.5857% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4335% | 1,513 |
| Loan loss allowance to noncurrent loans | 5,440.2597% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 4,781 |
| Noncurrent loans to loans | 0.0263% | 4,656 |
| Net loans and leases to total assets | 74.4142% | 1,863 |
| Net loans and leases to deposits | 88.9408% | 1,937 |
| Net loans and leases to core deposits | 90.8564% | 2,503 |
| Total domestic deposits to total assets | 83.6672% | 3,098 |
| Equity capital to assets | 11.8943% | 1,973 |
| Core capital (leverage) ratio | 12.1051% | 1,666 |
| Tier 1 risk-based capital ratio | 16.1003% | 2,371 |
| Total risk-based capital ratio | 17.3529% | 2,313 |
| Memoranda: | ||
| Average total assets | $382,683,000 | 1,790 |
| Average earning assets | $358,752,200 | 1,774 |
| Average equity | $43,716,800 | 1,709 |
| Average total loans | $288,438,200 | 1,641 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4051% | 2,613 |
| Cost of funding earning assets | 0.3270% | 4,330 |
| Net interest margin | 4.0780% | 1,699 |
| Noninterest income to average assets | 0.6398% | 2,119 |
| Noninterest expense to average assets | 2.5545% | 3,427 |
| Loan and lease loss provision to assets | 0.0419% | 3,152 |
| Net operating income to assets | 1.8644% | 529 |
| Return on assets (ROA) | 1.8644% | 528 |
| Pretax return on assets | 1.8644% | 870 |
| Return on Equity (ROE) | 16.4931% | 616 |
| Retained earnings to average equity (ytd only) | 10.0887% | 894 |
| Net charge-offs to loans | 0.0093% | 3,090 |
| Credit loss provision to net charge-offs | 600.0000% | 592 |
| Earnings coverage of net charge-offs (x) | 272.7589% | 340 |
| Efficiency ratio | 57.2648% | 4,214 |
| Assets per employee ($millions) | 5.7124% | 1,720 |
| Cash dividends to net income (ytd only)* | 38.8306% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4430% | 1,545 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 75.4355% | 1,744 |
| Net loans and leases to deposits | 90.4746% | 1,828 |
| Net loans and leases to core deposits | 92.7177% | 2,414 |
| Total domestic deposits to total assets | 83.3775% | 3,173 |
| Equity capital to assets | 11.8450% | 2,008 |
| Core capital (leverage) ratio | 11.9792% | 1,796 |
| Tier 1 risk-based capital ratio | 15.6517% | 2,583 |
| Total risk-based capital ratio | 16.9038% | 2,522 |
| Memoranda: | ||
| Average total assets | $381,587,000 | 1,799 |
| Average earning assets | $357,549,000 | 1,782 |
| Average equity | $43,136,250 | 1,733 |
| Average total loans | $287,492,250 | 1,652 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3114% | 2,721 |
| Cost of funding earning assets | 0.3232% | 4,252 |
| Net interest margin | 3.9882% | 1,901 |
| Noninterest income to average assets | 0.6317% | 2,172 |
| Noninterest expense to average assets | 2.5189% | 3,581 |
| Loan and lease loss provision to assets | 0.0470% | 2,967 |
| Net operating income to assets | 1.8021% | 578 |
| Return on assets (ROA) | 1.8021% | 580 |
| Pretax return on assets | 1.8021% | 956 |
| Return on Equity (ROE) | 16.1955% | 635 |
| Retained earnings to average equity (ytd only) | 8.8907% | 1,256 |
| Net charge-offs to loans | 0.0104% | 2,773 |
| Credit loss provision to net charge-offs | 600.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 236.1333% | 375 |
| Efficiency ratio | 57.6670% | 4,291 |
| Assets per employee ($millions) | 5.8126% | 1,629 |
| Cash dividends to net income (ytd only)* | 45.1043% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 1,582 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 73.6037% | 2,011 |
| Net loans and leases to deposits | 88.6283% | 2,028 |
| Net loans and leases to core deposits | 90.8804% | 2,501 |
| Total domestic deposits to total assets | 83.0476% | 3,401 |
| Equity capital to assets | 11.3317% | 2,331 |
| Core capital (leverage) ratio | 11.5701% | 2,011 |
| Tier 1 risk-based capital ratio | 15.3616% | 2,703 |
| Total risk-based capital ratio | 16.6139% | 2,634 |
| Memoranda: | ||
| Average total assets | $383,109,330 | 1,803 |
| Average earning assets | $358,908,000 | 1,782 |
| Average equity | $42,629,000 | 1,759 |
| Average total loans | $287,132,670 | 1,657 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2549% | 2,689 |
| Cost of funding earning assets | 0.3176% | 4,213 |
| Net interest margin | 3.9373% | 1,908 |
| Noninterest income to average assets | 0.6175% | 2,182 |
| Noninterest expense to average assets | 2.5138% | 3,602 |
| Loan and lease loss provision to assets | 0.0470% | 2,824 |
| Net operating income to assets | 1.7354% | 633 |
| Return on assets (ROA) | 1.7354% | 644 |
| Pretax return on assets | 1.7354% | 1,032 |
| Return on Equity (ROE) | 15.7413% | 668 |
| Retained earnings to average equity (ytd only) | 5.8663% | 2,772 |
| Net charge-offs to loans | 0.0181% | 2,144 |
| Credit loss provision to net charge-offs | 346.1538% | 748 |
| Earnings coverage of net charge-offs (x) | 131.2308% | 496 |
| Efficiency ratio | 58.5117% | 4,284 |
| Assets per employee ($millions) | 5.7589% | 1,718 |
| Cash dividends to net income (ytd only)* | 62.7333% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4387% | 1,696 |
| Loan loss allowance to noncurrent loans | 1,914.0187% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 4,813 |
| Noncurrent loans to loans | 0.0752% | 4,648 |
| Net loans and leases to total assets | 73.8263% | 1,889 |
| Net loans and leases to deposits | 88.7962% | 1,831 |
| Net loans and leases to core deposits | 90.9856% | 2,375 |
| Total domestic deposits to total assets | 83.1412% | 3,619 |
| Equity capital to assets | 11.1182% | 2,461 |
| Core capital (leverage) ratio | 11.3124% | 2,158 |
| Tier 1 risk-based capital ratio | 15.2700% | 2,754 |
| Total risk-based capital ratio | 16.5227% | 2,690 |
| Memoranda: | ||
| Average total assets | $382,847,500 | 1,811 |
| Average earning assets | $357,707,500 | 1,795 |
| Average equity | $42,207,500 | 1,788 |
| Average total loans | $287,445,500 | 1,671 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2841% | 2,383 |
| Cost of funding earning assets | 0.2783% | 4,333 |
| Net interest margin | 4.0058% | 1,736 |
| Noninterest income to average assets | 0.6004% | 2,447 |
| Noninterest expense to average assets | 2.4877% | 3,825 |
| Loan and lease loss provision to assets | 0.1051% | 2,133 |
| Net operating income to assets | 1.7480% | 482 |
| Return on assets (ROA) | 1.7480% | 487 |
| Pretax return on assets | 1.7480% | 900 |
| Return on Equity (ROE) | 16.2566% | 450 |
| Retained earnings to average equity (ytd only) | 9.6044% | 406 |
| Net charge-offs to loans | 0.0091% | 3,770 |
| Credit loss provision to net charge-offs | 1,523.0769% | 258 |
| Earnings coverage of net charge-offs (x) | 268.5385% | 315 |
| Efficiency ratio | 57.3097% | 4,612 |
| Assets per employee ($millions) | 5.8425% | 1,626 |
| Cash dividends to net income (ytd only)* | 40.9201% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4005% | 1,766 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 74.2015% | 1,885 |
| Net loans and leases to deposits | 92.1409% | 1,503 |
| Net loans and leases to core deposits | 94.2165% | 2,174 |
| Total domestic deposits to total assets | 80.5305% | 4,238 |
| Equity capital to assets | 10.9323% | 2,700 |
| Core capital (leverage) ratio | 10.9380% | 2,392 |
| Tier 1 risk-based capital ratio | 14.8172% | 2,916 |
| Total risk-based capital ratio | 16.0693% | 2,862 |
| Memoranda: | ||
| Average total assets | $376,778,800 | 1,796 |
| Average earning assets | $351,810,800 | 1,792 |
| Average equity | $40,512,800 | 1,842 |
| Average total loans | $286,979,600 | 1,621 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2527% | 2,422 |
| Cost of funding earning assets | 0.2566% | 4,510 |
| Net interest margin | 3.9961% | 1,715 |
| Noninterest income to average assets | 0.6026% | 2,472 |
| Noninterest expense to average assets | 2.4515% | 3,881 |
| Loan and lease loss provision to assets | 0.0872% | 2,341 |
| Net operating income to assets | 1.7944% | 473 |
| Return on assets (ROA) | 1.7944% | 483 |
| Pretax return on assets | 1.7944% | 903 |
| Return on Equity (ROE) | 16.7602% | 457 |
| Retained earnings to average equity (ytd only) | 10.7922% | 444 |
| Net charge-offs to loans | 0.0089% | 3,413 |
| Credit loss provision to net charge-offs | 1,289.4737% | 283 |
| Earnings coverage of net charge-offs (x) | 278.2400% | 330 |
| Efficiency ratio | 56.5760% | 4,668 |
| Assets per employee ($millions) | 5.9091% | 1,568 |
| Cash dividends to net income (ytd only)* | 35.6079% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3504% | 2,116 |
| Loan loss allowance to noncurrent loans | 841.2017% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.1213% | 4,641 |
| Noncurrent loans to loans | 0.1605% | 4,419 |
| Net loans and leases to total assets | 74.5583% | 1,828 |
| Net loans and leases to deposits | 94.3584% | 1,260 |
| Net loans and leases to core deposits | 96.3787% | 2,030 |
| Total domestic deposits to total assets | 79.0161% | 4,528 |
| Equity capital to assets | 10.9300% | 2,933 |
| Core capital (leverage) ratio | 10.9116% | 2,538 |
| Tier 1 risk-based capital ratio | 14.4556% | 3,210 |
| Total risk-based capital ratio | 15.7068% | 3,122 |
| Memoranda: | ||
| Average total assets | $374,571,500 | 1,822 |
| Average earning assets | $349,668,250 | 1,813 |
| Average equity | $40,102,000 | 1,870 |
| Average total loans | $286,176,750 | 1,637 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2069% | 2,447 |
| Cost of funding earning assets | 0.2311% | 4,707 |
| Net interest margin | 3.9758% | 1,693 |
| Noninterest income to average assets | 0.6020% | 2,442 |
| Noninterest expense to average assets | 2.4642% | 3,872 |
| Loan and lease loss provision to assets | 0.0862% | 2,265 |
| Net operating income to assets | 1.7755% | 472 |
| Return on assets (ROA) | 1.7755% | 482 |
| Pretax return on assets | 1.7755% | 886 |
| Return on Equity (ROE) | 16.7040% | 438 |
| Retained earnings to average equity (ytd only) | 10.3963% | 523 |
| Net charge-offs to loans | 0.0063% | 3,229 |
| Credit loss provision to net charge-offs | 1,777.7778% | 236 |
| Earnings coverage of net charge-offs (x) | 384.1111% | 219 |
| Efficiency ratio | 56.9650% | 4,714 |
| Assets per employee ($millions) | 5.7854% | 1,623 |
| Cash dividends to net income (ytd only)* | 37.7616% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 2,206 |
| Loan loss allowance to noncurrent loans | 765.9363% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.1335% | 4,651 |
| Noncurrent loans to loans | 0.1756% | 4,419 |
| Net loans and leases to total assets | 74.9959% | 1,700 |
| Net loans and leases to deposits | 92.8620% | 1,376 |
| Net loans and leases to core deposits | 94.4503% | 2,112 |
| Total domestic deposits to total assets | 80.7605% | 4,247 |
| Equity capital to assets | 10.8499% | 2,964 |
| Core capital (leverage) ratio | 10.5844% | 2,831 |
| Tier 1 risk-based capital ratio | 14.0811% | 3,387 |
| Total risk-based capital ratio | 15.3320% | 3,303 |
| Memoranda: | ||
| Average total assets | $371,398,670 | 1,841 |
| Average earning assets | $347,858,670 | 1,827 |
| Average equity | $39,475,670 | 1,895 |
| Average total loans | $284,805,330 | 1,639 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2068% | 2,257 |
| Cost of funding earning assets | 0.2051% | 4,931 |
| Net interest margin | 4.0017% | 1,470 |
| Noninterest income to average assets | 0.6069% | 2,382 |
| Noninterest expense to average assets | 2.4992% | 3,807 |
| Loan and lease loss provision to assets | 0.0867% | 2,091 |
| Net operating income to assets | 1.7644% | 480 |
| Return on assets (ROA) | 1.7644% | 491 |
| Pretax return on assets | 1.7644% | 871 |
| Return on Equity (ROE) | 16.7779% | 434 |
| Retained earnings to average equity (ytd only) | 9.6153% | 900 |
| Net charge-offs to loans | 0.0084% | 2,682 |
| Credit loss provision to net charge-offs | 1,333.3333% | 244 |
| Earnings coverage of net charge-offs (x) | 284.6667% | 211 |
| Efficiency ratio | 57.4489% | 4,785 |
| Assets per employee ($millions) | 5.8166% | 1,637 |
| Cash dividends to net income (ytd only)* | 42.6904% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 2,450 |
| Loan loss allowance to noncurrent loans | 41,866.6667% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 5,374 |
| Noncurrent loans to loans | 0.0031% | 5,263 |
| Net loans and leases to total assets | 73.5189% | 1,819 |
| Net loans and leases to deposits | 90.0976% | 1,522 |
| Net loans and leases to core deposits | 91.5893% | 2,210 |
| Total domestic deposits to total assets | 81.5992% | 4,277 |
| Equity capital to assets | 10.2632% | 3,456 |
| Core capital (leverage) ratio | 10.8460% | 2,546 |
| Tier 1 risk-based capital ratio | 13.5330% | 3,758 |
| Total risk-based capital ratio | 14.7838% | 3,666 |
| Memoranda: | ||
| Average total assets | $369,073,000 | 1,864 |
| Average earning assets | $345,251,500 | 1,848 |
| Average equity | $38,813,000 | 1,933 |
| Average total loans | $284,274,500 | 1,651 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2959% | 2,153 |
| Cost of funding earning assets | 0.2015% | 4,999 |
| Net interest margin | 4.0943% | 1,389 |
| Noninterest income to average assets | 0.6085% | 2,616 |
| Noninterest expense to average assets | 2.5545% | 3,824 |
| Loan and lease loss provision to assets | 0.2269% | 959 |
| Net operating income to assets | 1.6422% | 625 |
| Return on assets (ROA) | 1.6422% | 649 |
| Pretax return on assets | 1.6422% | 1,160 |
| Return on Equity (ROE) | 15.3950% | 577 |
| Retained earnings to average equity (ytd only) | 8.4834% | 708 |
| Net charge-offs to loans | -0.0048% | 4,802 |
| Credit loss provision to net charge-offs | -6,153.8462% | 5,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7466% | 4,881 |
| Assets per employee ($millions) | 5.2873% | 2,077 |
| Cash dividends to net income (ytd only)* | 44.8955% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3074% | 2,507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 78.7158% | 1,086 |
| Net loans and leases to deposits | 90.7166% | 1,604 |
| Net loans and leases to core deposits | 92.1699% | 2,285 |
| Total domestic deposits to total assets | 86.7712% | 2,252 |
| Equity capital to assets | 10.7907% | 2,827 |
| Core capital (leverage) ratio | 10.6310% | 2,742 |
| Tier 1 risk-based capital ratio | 13.1680% | 3,966 |
| Total risk-based capital ratio | 14.4183% | 3,891 |
| Memoranda: | ||
| Average total assets | $352,514,600 | 1,891 |
| Average earning assets | $328,479,600 | 1,879 |
| Average equity | $37,603,000 | 1,947 |
| Average total loans | $270,914,000 | 1,672 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2769% | 2,237 |
| Cost of funding earning assets | 0.2021% | 5,047 |
| Net interest margin | 4.0748% | 1,463 |
| Noninterest income to average assets | 0.5915% | 2,708 |
| Noninterest expense to average assets | 2.4967% | 3,993 |
| Loan and lease loss provision to assets | 0.2458% | 776 |
| Net operating income to assets | 1.6443% | 667 |
| Return on assets (ROA) | 1.6443% | 702 |
| Pretax return on assets | 1.6443% | 1,267 |
| Return on Equity (ROE) | 15.4596% | 618 |
| Retained earnings to average equity (ytd only) | 9.1611% | 772 |
| Net charge-offs to loans | -0.0124% | 4,850 |
| Credit loss provision to net charge-offs | -2,596.0000% | 5,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9147% | 4,962 |
| Assets per employee ($millions) | 5.3985% | 1,952 |
| Cash dividends to net income (ytd only)* | 40.7416% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 2,646 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 75.3427% | 1,648 |
| Net loans and leases to deposits | 86.9176% | 2,152 |
| Net loans and leases to core deposits | 88.4623% | 2,718 |
| Total domestic deposits to total assets | 86.6829% | 2,041 |
| Equity capital to assets | 10.9234% | 3,092 |
| Core capital (leverage) ratio | 10.9234% | 2,536 |
| Tier 1 risk-based capital ratio | 13.4090% | 3,914 |
| Total risk-based capital ratio | 14.6590% | 3,825 |
| Memoranda: | ||
| Average total assets | $352,081,000 | 1,898 |
| Average earning assets | $327,927,500 | 1,889 |
| Average equity | $37,447,250 | 1,971 |
| Average total loans | $268,006,500 | 1,687 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2844% | 2,200 |
| Cost of funding earning assets | 0.2040% | 5,101 |
| Net interest margin | 4.0804% | 1,415 |
| Noninterest income to average assets | 0.6045% | 2,598 |
| Noninterest expense to average assets | 2.4929% | 4,050 |
| Loan and lease loss provision to assets | 0.2566% | 743 |
| Net operating income to assets | 1.6528% | 640 |
| Return on assets (ROA) | 1.6528% | 682 |
| Pretax return on assets | 1.6528% | 1,214 |
| Return on Equity (ROE) | 15.6834% | 579 |
| Retained earnings to average equity (ytd only) | 9.3191% | 767 |
| Net charge-offs to loans | -0.0007% | 4,310 |
| Credit loss provision to net charge-offs | -45,000.0000% | 5,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6265% | 5,064 |
| Assets per employee ($millions) | 5.3839% | 1,901 |
| Cash dividends to net income (ytd only)* | 40.5797% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 3,051 |
| Loan loss allowance to noncurrent loans | 1,830.7692% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0520% | 5,349 |
| Noncurrent loans to loans | 0.0685% | 5,177 |
| Net loans and leases to total assets | 74.9826% | 1,652 |
| Net loans and leases to deposits | 86.4320% | 2,200 |
| Net loans and leases to core deposits | 88.1435% | 2,713 |
| Total domestic deposits to total assets | 86.7534% | 2,035 |
| Equity capital to assets | 10.8903% | 3,176 |
| Core capital (leverage) ratio | 10.5577% | 2,903 |
| Tier 1 risk-based capital ratio | 12.5335% | 4,493 |
| Total risk-based capital ratio | 13.6617% | 4,502 |
| Memoranda: | ||
| Average total assets | $350,674,670 | 1,907 |
| Average earning assets | $326,393,000 | 1,896 |
| Average equity | $36,956,330 | 1,996 |
| Average total loans | $266,675,000 | 1,684 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3106% | 2,092 |
| Cost of funding earning assets | 0.2039% | 5,165 |
| Net interest margin | 4.1067% | 1,322 |
| Noninterest income to average assets | 0.5982% | 2,545 |
| Noninterest expense to average assets | 2.5171% | 4,016 |
| Loan and lease loss provision to assets | 0.2564% | 674 |
| Net operating income to assets | 1.6568% | 629 |
| Return on assets (ROA) | 1.6568% | 669 |
| Pretax return on assets | 1.6568% | 1,166 |
| Return on Equity (ROE) | 15.9872% | 534 |
| Retained earnings to average equity (ytd only) | 9.8298% | 887 |
| Net charge-offs to loans | -0.0060% | 4,350 |
| Credit loss provision to net charge-offs | -5,625.0000% | 5,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8158% | 5,119 |
| Assets per employee ($millions) | 5.4772% | 1,849 |
| Cash dividends to net income (ytd only)* | 38.5144% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1707% | 3,658 |
| Loan loss allowance to noncurrent loans | 1,672.5806% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 5,411 |
| Noncurrent loans to loans | 0.0700% | 5,199 |
| Net loans and leases to total assets | 73.7694% | 1,762 |
| Net loans and leases to deposits | 84.4346% | 2,256 |
| Net loans and leases to core deposits | 86.2186% | 2,730 |
| Total domestic deposits to total assets | 87.3687% | 2,018 |
| Equity capital to assets | 10.3921% | 3,629 |
| Core capital (leverage) ratio | 10.2900% | 3,209 |
| Tier 1 risk-based capital ratio | 13.0546% | 4,234 |
| Total risk-based capital ratio | 14.1769% | 4,223 |
| Memoranda: | ||
| Average total assets | $351,035,500 | 1,907 |
| Average earning assets | $327,564,000 | 1,896 |
| Average equity | $36,379,000 | 2,021 |
| Average total loans | $267,144,500 | 1,683 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2841% | 2,265 |
| Cost of funding earning assets | 0.2106% | 5,186 |
| Net interest margin | 4.0735% | 1,477 |
| Noninterest income to average assets | 0.5795% | 2,835 |
| Noninterest expense to average assets | 2.5945% | 3,943 |
| Loan and lease loss provision to assets | 0.1052% | 2,226 |
| Net operating income to assets | 1.6648% | 614 |
| Return on assets (ROA) | 1.6648% | 632 |
| Pretax return on assets | 1.6648% | 1,072 |
| Return on Equity (ROE) | 16.8583% | 470 |
| Retained earnings to average equity (ytd only) | 10.7039% | 377 |
| Net charge-offs to loans | -0.0012% | 4,845 |
| Credit loss provision to net charge-offs | -12,166.6667% | 5,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4454% | 4,980 |
| Assets per employee ($millions) | 5.3239% | 1,981 |
| Cash dividends to net income (ytd only)* | 36.5068% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0728% | 4,196 |
| Loan loss allowance to noncurrent loans | 1,247.1861% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 5,369 |
| Noncurrent loans to loans | 0.0860% | 5,151 |
| Net loans and leases to total assets | 76.7700% | 1,293 |
| Net loans and leases to deposits | 87.9592% | 1,878 |
| Net loans and leases to core deposits | 89.7956% | 2,420 |
| Total domestic deposits to total assets | 87.2791% | 1,997 |
| Equity capital to assets | 10.3337% | 3,588 |
| Core capital (leverage) ratio | 10.0531% | 3,436 |
| Tier 1 risk-based capital ratio | 12.8263% | 4,438 |
| Total risk-based capital ratio | 13.8732% | 4,447 |
| Memoranda: | ||
| Average total assets | $346,999,000 | 1,883 |
| Average earning assets | $322,424,800 | 1,881 |
| Average equity | $34,268,000 | 2,075 |
| Average total loans | $258,858,800 | 1,675 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2486% | 2,410 |
| Cost of funding earning assets | 0.2107% | 5,284 |
| Net interest margin | 4.0379% | 1,588 |
| Noninterest income to average assets | 0.5767% | 2,870 |
| Noninterest expense to average assets | 2.5477% | 4,053 |
| Loan and lease loss provision to assets | 0.0864% | 2,435 |
| Net operating income to assets | 1.6880% | 641 |
| Return on assets (ROA) | 1.6880% | 664 |
| Pretax return on assets | 1.6880% | 1,138 |
| Return on Equity (ROE) | 17.2922% | 449 |
| Retained earnings to average equity (ytd only) | 11.8127% | 390 |
| Net charge-offs to loans | 0.0010% | 4,156 |
| Credit loss provision to net charge-offs | 11,250.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 2,307.5581% | 20 |
| Efficiency ratio | 58.9463% | 5,013 |
| Assets per employee ($millions) | 5.2044% | 2,062 |
| Cash dividends to net income (ytd only)* | 31.6879% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0373% | 4,543 |
| Loan loss allowance to noncurrent loans | 1,403.0769% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 5,553 |
| Noncurrent loans to loans | 0.0739% | 5,333 |
| Net loans and leases to total assets | 73.7545% | 1,780 |
| Net loans and leases to deposits | 84.1296% | 2,396 |
| Net loans and leases to core deposits | 85.5656% | 2,893 |
| Total domestic deposits to total assets | 87.6677% | 1,718 |
| Equity capital to assets | 10.0124% | 4,132 |
| Core capital (leverage) ratio | 9.8766% | 3,802 |
| Tier 1 risk-based capital ratio | 12.6993% | 4,611 |
| Total risk-based capital ratio | 13.7027% | 4,694 |
| Memoranda: | ||
| Average total assets | $347,235,750 | 1,899 |
| Average earning assets | $322,075,750 | 1,892 |
| Average equity | $33,895,000 | 2,109 |
| Average total loans | $256,437,250 | 1,699 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2364% | 2,404 |
| Cost of funding earning assets | 0.2124% | 5,326 |
| Net interest margin | 4.0239% | 1,573 |
| Noninterest income to average assets | 0.5826% | 2,837 |
| Noninterest expense to average assets | 2.5558% | 4,056 |
| Loan and lease loss provision to assets | 0.0870% | 2,369 |
| Net operating income to assets | 1.6625% | 670 |
| Return on assets (ROA) | 1.6625% | 696 |
| Pretax return on assets | 1.6625% | 1,163 |
| Return on Equity (ROE) | 17.1829% | 463 |
| Retained earnings to average equity (ytd only) | 11.9226% | 402 |
| Net charge-offs to loans | 0.0016% | 3,854 |
| Credit loss provision to net charge-offs | 7,500.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 1,509.0000% | 40 |
| Efficiency ratio | 59.3645% | 5,067 |
| Assets per employee ($millions) | 5.0884% | 2,156 |
| Cash dividends to net income (ytd only)* | 30.6137% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 4,640 |
| Loan loss allowance to noncurrent loans | 2,534.2857% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 5,751 |
| Noncurrent loans to loans | 0.0412% | 5,583 |
| Net loans and leases to total assets | 72.9551% | 1,831 |
| Net loans and leases to deposits | 83.0247% | 2,432 |
| Net loans and leases to core deposits | 84.4699% | 2,936 |
| Total domestic deposits to total assets | 87.8716% | 1,712 |
| Equity capital to assets | 9.8574% | 4,203 |
| Core capital (leverage) ratio | 9.6032% | 4,136 |
| Tier 1 risk-based capital ratio | 12.4651% | 4,832 |
| Total risk-based capital ratio | 13.4518% | 4,895 |
| Memoranda: | ||
| Average total assets | $345,014,000 | 1,915 |
| Average earning assets | $319,189,330 | 1,925 |
| Average equity | $33,382,000 | 2,147 |
| Average total loans | $253,998,330 | 1,717 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1834% | 2,520 |
| Cost of funding earning assets | 0.2124% | 5,395 |
| Net interest margin | 3.9709% | 1,649 |
| Noninterest income to average assets | 0.5643% | 2,862 |
| Noninterest expense to average assets | 2.5555% | 4,079 |
| Loan and lease loss provision to assets | 0.0871% | 2,239 |
| Net operating income to assets | 1.5895% | 721 |
| Return on assets (ROA) | 1.5895% | 758 |
| Pretax return on assets | 1.5895% | 1,293 |
| Return on Equity (ROE) | 16.5844% | 510 |
| Retained earnings to average equity (ytd only) | 12.2838% | 533 |
| Net charge-offs to loans | 0.0016% | 3,257 |
| Credit loss provision to net charge-offs | 7,500.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 1,444.0000% | 21 |
| Efficiency ratio | 60.3841% | 5,042 |
| Assets per employee ($millions) | 5.1763% | 2,143 |
| Cash dividends to net income (ytd only)* | 25.9313% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 5,021 |
| Loan loss allowance to noncurrent loans | 5,879.5455% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 5,905 |
| Noncurrent loans to loans | 0.0170% | 5,738 |
| Net loans and leases to total assets | 72.7318% | 1,694 |
| Net loans and leases to deposits | 82.5266% | 2,275 |
| Net loans and leases to core deposits | 83.9328% | 2,779 |
| Total domestic deposits to total assets | 88.1313% | 1,740 |
| Equity capital to assets | 9.5805% | 4,658 |
| Core capital (leverage) ratio | 9.6452% | 4,089 |
| Tier 1 risk-based capital ratio | 11.8941% | 5,314 |
| Total risk-based capital ratio | 12.8368% | 5,422 |
| Memoranda: | ||
| Average total assets | $344,514,500 | 1,929 |
| Average earning assets | $318,211,500 | 1,935 |
| Average equity | $33,019,000 | 2,180 |
| Average total loans | $253,450,000 | 1,713 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3501% | 2,409 |
| Cost of funding earning assets | 0.2330% | 5,494 |
| Net interest margin | 4.1171% | 1,520 |
| Noninterest income to average assets | 0.6626% | 2,491 |
| Noninterest expense to average assets | 2.7096% | 3,824 |
| Loan and lease loss provision to assets | 0.0516% | 3,527 |
| Net operating income to assets | 1.7232% | 555 |
| Return on assets (ROA) | 1.7232% | 566 |
| Pretax return on assets | 1.7232% | 932 |
| Return on Equity (ROE) | 18.2026% | 378 |
| Retained earnings to average equity (ytd only) | 12.1043% | 290 |
| Net charge-offs to loans | 0.0207% | 4,429 |
| Credit loss provision to net charge-offs | 343.7500% | 768 |
| Earnings coverage of net charge-offs (x) | 118.2917% | 447 |
| Efficiency ratio | 60.4238% | 5,160 |
| Assets per employee ($millions) | 4.9565% | 2,378 |
| Cash dividends to net income (ytd only)* | 33.5026% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0120% | 4,980 |
| Loan loss allowance to noncurrent loans | 5,463.0435% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 6,002 |
| Noncurrent loans to loans | 0.0185% | 5,821 |
| Net loans and leases to total assets | 72.9267% | 1,770 |
| Net loans and leases to deposits | 82.8086% | 2,365 |
| Net loans and leases to core deposits | 84.2947% | 2,865 |
| Total domestic deposits to total assets | 88.0665% | 1,732 |
| Equity capital to assets | 9.5881% | 4,608 |
| Core capital (leverage) ratio | 9.4796% | 4,276 |
| Tier 1 risk-based capital ratio | 12.6848% | 4,928 |
| Total risk-based capital ratio | 13.6927% | 4,992 |
| Memoranda: | ||
| Average total assets | $319,933,200 | 2,032 |
| Average earning assets | $296,979,400 | 2,018 |
| Average equity | $30,286,800 | 2,251 |
| Average total loans | $232,110,400 | 1,811 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3647% | 2,369 |
| Cost of funding earning assets | 0.2354% | 5,550 |
| Net interest margin | 4.1293% | 1,489 |
| Noninterest income to average assets | 0.6530% | 2,561 |
| Noninterest expense to average assets | 2.6982% | 3,832 |
| Loan and lease loss provision to assets | 0.0570% | 3,228 |
| Net operating income to assets | 1.7284% | 581 |
| Return on assets (ROA) | 1.7284% | 603 |
| Pretax return on assets | 1.7284% | 1,020 |
| Return on Equity (ROE) | 18.3209% | 413 |
| Retained earnings to average equity (ytd only) | 13.2750% | 297 |
| Net charge-offs to loans | 0.0286% | 3,910 |
| Credit loss provision to net charge-offs | 275.5102% | 972 |
| Earnings coverage of net charge-offs (x) | 86.2676% | 655 |
| Efficiency ratio | 60.1790% | 5,154 |
| Assets per employee ($millions) | 4.8036% | 2,510 |
| Cash dividends to net income (ytd only)* | 27.5416% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0179% | 5,135 |
| Loan loss allowance to noncurrent loans | 2,727.4725% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0413% | 6,005 |
| Noncurrent loans to loans | 0.0373% | 5,873 |
| Net loans and leases to total assets | 74.9939% | 1,365 |
| Net loans and leases to deposits | 85.4460% | 1,975 |
| Net loans and leases to core deposits | 87.0573% | 2,536 |
| Total domestic deposits to total assets | 87.7676% | 1,888 |
| Equity capital to assets | 9.7877% | 4,435 |
| Core capital (leverage) ratio | 9.6759% | 4,119 |
| Tier 1 risk-based capital ratio | 12.6786% | 5,052 |
| Total risk-based capital ratio | 13.6962% | 5,132 |
| Memoranda: | ||
| Average total assets | $315,655,500 | 2,077 |
| Average earning assets | $292,827,500 | 2,059 |
| Average equity | $29,779,500 | 2,294 |
| Average total loans | $228,061,000 | 1,847 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2945% | 2,600 |
| Cost of funding earning assets | 0.2357% | 5,624 |
| Net interest margin | 4.0588% | 1,639 |
| Noninterest income to average assets | 0.6524% | 2,527 |
| Noninterest expense to average assets | 2.7277% | 3,764 |
| Loan and lease loss provision to assets | 0.0510% | 3,285 |
| Net operating income to assets | 1.6403% | 651 |
| Return on assets (ROA) | 1.6403% | 683 |
| Pretax return on assets | 1.6403% | 1,162 |
| Return on Equity (ROE) | 17.6130% | 498 |
| Retained earnings to average equity (ytd only) | 13.4221% | 299 |
| Net charge-offs to loans | 0.0260% | 3,677 |
| Credit loss provision to net charge-offs | 275.8621% | 919 |
| Earnings coverage of net charge-offs (x) | 91.4483% | 594 |
| Efficiency ratio | 61.7261% | 5,048 |
| Assets per employee ($millions) | 4.5967% | 2,773 |
| Cash dividends to net income (ytd only)* | 23.7947% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0303% | 5,209 |
| Loan loss allowance to noncurrent loans | 382.3438% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.2018% | 5,516 |
| Noncurrent loans to loans | 0.2695% | 5,207 |
| Net loans and leases to total assets | 74.1095% | 1,426 |
| Net loans and leases to deposits | 84.3112% | 2,005 |
| Net loans and leases to core deposits | 85.9209% | 2,524 |
| Total domestic deposits to total assets | 87.8999% | 1,965 |
| Equity capital to assets | 9.6548% | 4,552 |
| Core capital (leverage) ratio | 9.5188% | 4,307 |
| Tier 1 risk-based capital ratio | 12.9045% | 4,971 |
| Total risk-based capital ratio | 13.9599% | 5,026 |
| Memoranda: | ||
| Average total assets | $313,593,330 | 2,083 |
| Average earning assets | $291,024,000 | 2,067 |
| Average equity | $29,205,670 | 2,323 |
| Average total loans | $222,800,000 | 1,880 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1953% | 2,897 |
| Cost of funding earning assets | 0.2376% | 5,692 |
| Net interest margin | 3.9577% | 1,899 |
| Noninterest income to average assets | 0.6427% | 2,501 |
| Noninterest expense to average assets | 2.7556% | 3,724 |
| Loan and lease loss provision to assets | 0.0257% | 3,499 |
| Net operating income to assets | 1.5369% | 753 |
| Return on assets (ROA) | 1.5369% | 787 |
| Pretax return on assets | 1.5369% | 1,319 |
| Return on Equity (ROE) | 16.8155% | 550 |
| Retained earnings to average equity (ytd only) | 14.9627% | 321 |
| Net charge-offs to loans | -0.0019% | 4,695 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8146% | 4,885 |
| Assets per employee ($millions) | 4.7285% | 2,624 |
| Cash dividends to net income (ytd only)* | 11.0184% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1031% | 5,105 |
| Loan loss allowance to noncurrent loans | 403.5058% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.1891% | 5,654 |
| Noncurrent loans to loans | 0.2734% | 5,287 |
| Net loans and leases to total assets | 68.3981% | 2,158 |
| Net loans and leases to deposits | 77.3771% | 2,644 |
| Net loans and leases to core deposits | 78.9998% | 3,090 |
| Total domestic deposits to total assets | 88.3958% | 1,997 |
| Equity capital to assets | 9.2435% | 4,825 |
| Core capital (leverage) ratio | 9.4182% | 4,395 |
| Tier 1 risk-based capital ratio | 13.0583% | 4,973 |
| Total risk-based capital ratio | 14.1457% | 5,006 |
| Memoranda: | ||
| Average total assets | $311,805,000 | 2,101 |
| Average earning assets | $289,562,500 | 2,083 |
| Average equity | $28,497,500 | 2,370 |
| Average total loans | $215,450,000 | 1,928 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3109% | 2,921 |
| Cost of funding earning assets | 0.2518% | 5,951 |
| Net interest margin | 4.0591% | 1,767 |
| Noninterest income to average assets | 0.7193% | 2,437 |
| Noninterest expense to average assets | 2.5865% | 4,515 |
| Loan and lease loss provision to assets | 0.1477% | 2,439 |
| Net operating income to assets | 1.7718% | 508 |
| Return on assets (ROA) | 1.7752% | 522 |
| Pretax return on assets | 1.7752% | 800 |
| Return on Equity (ROE) | 19.3179% | 322 |
| Retained earnings to average equity (ytd only) | 9.6552% | 633 |
| Net charge-offs to loans | 0.0200% | 5,036 |
| Credit loss provision to net charge-offs | 1,087.5000% | 233 |
| Earnings coverage of net charge-offs (x) | 141.3750% | 321 |
| Efficiency ratio | 57.4011% | 5,802 |
| Assets per employee ($millions) | 4.5791% | 2,755 |
| Cash dividends to net income (ytd only)* | 50.0191% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1313% | 4,990 |
| Loan loss allowance to noncurrent loans | 332.7778% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.2347% | 5,576 |
| Noncurrent loans to loans | 0.3400% | 5,168 |
| Net loans and leases to total assets | 68.2513% | 2,308 |
| Net loans and leases to deposits | 77.1018% | 2,841 |
| Net loans and leases to core deposits | 78.8918% | 3,254 |
| Total domestic deposits to total assets | 88.5210% | 1,899 |
| Equity capital to assets | 9.0322% | 4,996 |
| Core capital (leverage) ratio | 9.1176% | 4,830 |
| Tier 1 risk-based capital ratio | 12.9013% | 5,048 |
| Total risk-based capital ratio | 14.0069% | 5,084 |
| Memoranda: | ||
| Average total assets | $294,611,800 | 2,180 |
| Average earning assets | $274,839,000 | 2,145 |
| Average equity | $27,073,400 | 2,452 |
| Average total loans | $199,894,400 | 2,001 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2941% | 3,021 |
| Cost of funding earning assets | 0.2520% | 6,069 |
| Net interest margin | 4.0422% | 1,813 |
| Noninterest income to average assets | 0.7280% | 2,472 |
| Noninterest expense to average assets | 2.6111% | 4,356 |
| Loan and lease loss provision to assets | 0.0869% | 3,321 |
| Net operating income to assets | 1.8008% | 525 |
| Return on assets (ROA) | 1.8054% | 543 |
| Pretax return on assets | 1.8054% | 895 |
| Return on Equity (ROE) | 19.5581% | 334 |
| Retained earnings to average equity (ytd only) | 9.7543% | 841 |
| Net charge-offs to loans | 0.0901% | 3,671 |
| Credit loss provision to net charge-offs | 142.8571% | 1,646 |
| Earnings coverage of net charge-offs (x) | 31.0374% | 1,208 |
| Efficiency ratio | 58.0403% | 5,679 |
| Assets per employee ($millions) | 4.4997% | 2,886 |
| Cash dividends to net income (ytd only)* | 50.1266% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9896% | 5,770 |
| Loan loss allowance to noncurrent loans | 342.4293% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.1964% | 5,848 |
| Noncurrent loans to loans | 0.2890% | 5,507 |
| Net loans and leases to total assets | 67.2945% | 2,415 |
| Net loans and leases to deposits | 75.9632% | 2,969 |
| Net loans and leases to core deposits | 77.7285% | 3,393 |
| Total domestic deposits to total assets | 88.5882% | 1,787 |
| Equity capital to assets | 9.0525% | 5,121 |
| Core capital (leverage) ratio | 9.1338% | 4,915 |
| Tier 1 risk-based capital ratio | 13.1389% | 5,024 |
| Total risk-based capital ratio | 14.1288% | 5,146 |
| Memoranda: | ||
| Average total assets | $291,564,000 | 2,208 |
| Average earning assets | $271,993,500 | 2,170 |
| Average equity | $26,914,000 | 2,491 |
| Average total loans | $196,919,750 | 2,032 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2863% | 3,010 |
| Cost of funding earning assets | 0.2555% | 6,135 |
| Net interest margin | 4.0308% | 1,760 |
| Noninterest income to average assets | 0.7316% | 2,495 |
| Noninterest expense to average assets | 2.5450% | 4,580 |
| Loan and lease loss provision to assets | 0.1116% | 2,946 |
| Net operating income to assets | 1.8378% | 477 |
| Return on assets (ROA) | 1.8378% | 510 |
| Pretax return on assets | 1.8378% | 846 |
| Return on Equity (ROE) | 19.7731% | 321 |
| Retained earnings to average equity (ytd only) | 9.9053% | 867 |
| Net charge-offs to loans | 0.1304% | 3,068 |
| Credit loss provision to net charge-offs | 126.9841% | 1,778 |
| Earnings coverage of net charge-offs (x) | 22.1825% | 1,381 |
| Efficiency ratio | 56.6263% | 5,887 |
| Assets per employee ($millions) | 4.2783% | 3,210 |
| Cash dividends to net income (ytd only)* | 49.9051% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0178% | 5,747 |
| Loan loss allowance to noncurrent loans | 169.5833% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.4125% | 5,246 |
| Noncurrent loans to loans | 0.6002% | 4,755 |
| Net loans and leases to total assets | 68.0265% | 2,224 |
| Net loans and leases to deposits | 75.5438% | 2,941 |
| Net loans and leases to core deposits | 77.0608% | 3,417 |
| Total domestic deposits to total assets | 90.0490% | 998 |
| Equity capital to assets | 9.2175% | 4,963 |
| Core capital (leverage) ratio | 9.0789% | 4,861 |
| Tier 1 risk-based capital ratio | 13.2687% | 4,941 |
| Total risk-based capital ratio | 14.2813% | 5,063 |
| Memoranda: | ||
| Average total assets | $286,758,000 | 2,244 |
| Average earning assets | $267,687,000 | 2,208 |
| Average equity | $26,652,330 | 2,521 |
| Average total loans | $193,237,330 | 2,067 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2379% | 3,160 |
| Cost of funding earning assets | 0.2591% | 6,228 |
| Net interest margin | 3.9788% | 1,867 |
| Noninterest income to average assets | 0.7321% | 2,418 |
| Noninterest expense to average assets | 2.7344% | 3,935 |
| Loan and lease loss provision to assets | 0.1124% | 2,826 |
| Net operating income to assets | 1.6187% | 679 |
| Return on assets (ROA) | 1.6187% | 740 |
| Pretax return on assets | 1.6187% | 1,257 |
| Return on Equity (ROE) | 17.3425% | 484 |
| Retained earnings to average equity (ytd only) | 8.3852% | 1,613 |
| Net charge-offs to loans | 0.1369% | 2,587 |
| Credit loss provision to net charge-offs | 123.0769% | 1,575 |
| Earnings coverage of net charge-offs (x) | 18.9538% | 1,242 |
| Efficiency ratio | 61.2335% | 5,415 |
| Assets per employee ($millions) | 4.4252% | 3,109 |
| Cash dividends to net income (ytd only)* | 51.6493% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 5,773 |
| Loan loss allowance to noncurrent loans | 253.2663% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.2725% | 5,747 |
| Noncurrent loans to loans | 0.4166% | 5,376 |
| Net loans and leases to total assets | 64.7347% | 2,575 |
| Net loans and leases to deposits | 71.7730% | 3,209 |
| Net loans and leases to core deposits | 73.4952% | 3,639 |
| Total domestic deposits to total assets | 90.1937% | 935 |
| Equity capital to assets | 9.1818% | 5,273 |
| Core capital (leverage) ratio | 9.1523% | 4,634 |
| Tier 1 risk-based capital ratio | 13.3573% | 4,967 |
| Total risk-based capital ratio | 14.3969% | 5,062 |
| Memoranda: | ||
| Average total assets | $284,674,500 | 2,292 |
| Average earning assets | $267,115,000 | 2,237 |
| Average equity | $26,570,500 | 2,561 |
| Average total loans | $189,885,500 | 2,115 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4156% | 3,754 |
| Cost of funding earning assets | 0.3583% | 6,165 |
| Net interest margin | 4.0573% | 2,153 |
| Noninterest income to average assets | 0.7974% | 2,271 |
| Noninterest expense to average assets | 2.8930% | 3,668 |
| Loan and lease loss provision to assets | 0.1187% | 4,138 |
| Net operating income to assets | 1.5654% | 802 |
| Return on assets (ROA) | 1.5654% | 880 |
| Pretax return on assets | 1.5654% | 1,474 |
| Return on Equity (ROE) | 17.4489% | 499 |
| Retained earnings to average equity (ytd only) | 9.6667% | 664 |
| Net charge-offs to loans | 0.0651% | 5,037 |
| Credit loss provision to net charge-offs | 292.0354% | 834 |
| Earnings coverage of net charge-offs (x) | 41.4336% | 776 |
| Efficiency ratio | 63.2063% | 5,039 |
| Assets per employee ($millions) | 4.0777% | 3,794 |
| Cash dividends to net income (ytd only)* | 44.6002% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0605% | 5,718 |
| Loan loss allowance to noncurrent loans | 230.2647% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.3134% | 5,731 |
| Noncurrent loans to loans | 0.4606% | 5,361 |
| Net loans and leases to total assets | 67.3269% | 2,312 |
| Net loans and leases to deposits | 74.9400% | 2,973 |
| Net loans and leases to core deposits | 76.9395% | 3,418 |
| Total domestic deposits to total assets | 89.8411% | 1,045 |
| Equity capital to assets | 9.4935% | 4,884 |
| Core capital (leverage) ratio | 8.7750% | 5,218 |
| Tier 1 risk-based capital ratio | 13.4816% | 4,761 |
| Total risk-based capital ratio | 14.5460% | 4,848 |
| Memoranda: | ||
| Average total assets | $278,016,200 | 2,287 |
| Average earning assets | $258,991,800 | 2,251 |
| Average equity | $24,941,400 | 2,659 |
| Average total loans | $173,473,200 | 2,277 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3540% | 4,231 |
| Cost of funding earning assets | 0.3808% | 6,223 |
| Net interest margin | 3.9733% | 2,609 |
| Noninterest income to average assets | 0.8008% | 2,235 |
| Noninterest expense to average assets | 2.9053% | 3,579 |
| Loan and lease loss provision to assets | 0.1006% | 4,315 |
| Net operating income to assets | 1.4958% | 1,024 |
| Return on assets (ROA) | 1.4958% | 1,142 |
| Pretax return on assets | 1.4958% | 1,894 |
| Return on Equity (ROE) | 16.9185% | 618 |
| Retained earnings to average equity (ytd only) | 9.3781% | 1,101 |
| Net charge-offs to loans | 0.0479% | 4,981 |
| Credit loss provision to net charge-offs | 344.2623% | 779 |
| Earnings coverage of net charge-offs (x) | 54.6074% | 707 |
| Efficiency ratio | 64.5374% | 4,707 |
| Assets per employee ($millions) | 4.3042% | 3,261 |
| Cash dividends to net income (ytd only)* | 44.5690% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0389% | 5,937 |
| Loan loss allowance to noncurrent loans | 197.2449% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.3398% | 5,836 |
| Noncurrent loans to loans | 0.5267% | 5,387 |
| Net loans and leases to total assets | 63.8474% | 3,049 |
| Net loans and leases to deposits | 70.7010% | 3,802 |
| Net loans and leases to core deposits | 72.9402% | 4,131 |
| Total domestic deposits to total assets | 90.3062% | 676 |
| Equity capital to assets | 8.9656% | 5,857 |
| Core capital (leverage) ratio | 8.7132% | 5,455 |
| Tier 1 risk-based capital ratio | 13.1092% | 5,163 |
| Total risk-based capital ratio | 14.1365% | 5,305 |
| Memoranda: | ||
| Average total assets | $278,199,500 | 2,309 |
| Average earning assets | $259,125,250 | 2,263 |
| Average equity | $24,595,750 | 2,722 |
| Average total loans | $169,669,750 | 2,344 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3147% | 4,508 |
| Cost of funding earning assets | 0.4119% | 6,208 |
| Net interest margin | 3.9028% | 2,893 |
| Noninterest income to average assets | 0.8340% | 2,035 |
| Noninterest expense to average assets | 2.9635% | 3,395 |
| Loan and lease loss provision to assets | 0.0801% | 4,603 |
| Net operating income to assets | 1.4243% | 1,139 |
| Return on assets (ROA) | 1.4243% | 1,272 |
| Pretax return on assets | 1.4243% | 2,112 |
| Return on Equity (ROE) | 16.1896% | 741 |
| Retained earnings to average equity (ytd only) | 8.7773% | 1,349 |
| Net charge-offs to loans | 0.0134% | 5,255 |
| Credit loss provision to net charge-offs | 1,000.0000% | 319 |
| Earnings coverage of net charge-offs (x) | 187.9091% | 238 |
| Efficiency ratio | 66.3300% | 4,480 |
| Assets per employee ($millions) | 4.1703% | 3,518 |
| Cash dividends to net income (ytd only)* | 45.7844% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 5,772 |
| Loan loss allowance to noncurrent loans | 152.4696% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.4420% | 5,673 |
| Noncurrent loans to loans | 0.7216% | 5,064 |
| Net loans and leases to total assets | 60.5768% | 3,719 |
| Net loans and leases to deposits | 66.9935% | 4,366 |
| Net loans and leases to core deposits | 69.4043% | 4,611 |
| Total domestic deposits to total assets | 90.4219% | 706 |
| Equity capital to assets | 8.9152% | 5,787 |
| Core capital (leverage) ratio | 8.6700% | 5,418 |
| Tier 1 risk-based capital ratio | 13.8391% | 4,566 |
| Total risk-based capital ratio | 14.9251% | 4,661 |
| Memoranda: | ||
| Average total assets | $274,806,000 | 2,338 |
| Average earning assets | $255,870,670 | 2,297 |
| Average equity | $24,176,000 | 2,753 |
| Average total loans | $164,207,670 | 2,413 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3773% | 4,420 |
| Cost of funding earning assets | 0.4497% | 6,144 |
| Net interest margin | 3.9276% | 2,810 |
| Noninterest income to average assets | 0.8044% | 2,145 |
| Noninterest expense to average assets | 2.9739% | 3,364 |
| Loan and lease loss provision to assets | 0.0734% | 4,483 |
| Net operating income to assets | 1.4106% | 1,205 |
| Return on assets (ROA) | 1.4106% | 1,352 |
| Pretax return on assets | 1.4106% | 2,166 |
| Return on Equity (ROE) | 16.1452% | 783 |
| Retained earnings to average equity (ytd only) | 8.6522% | 1,717 |
| Net charge-offs to loans | -0.0050% | 5,794 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7106% | 4,424 |
| Assets per employee ($millions) | 4.0295% | 3,949 |
| Cash dividends to net income (ytd only)* | 46.4100% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1332% | 5,787 |
| Loan loss allowance to noncurrent loans | 145.3682% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.5522% | 5,499 |
| Noncurrent loans to loans | 0.7795% | 5,105 |
| Net loans and leases to total assets | 58.4612% | 3,961 |
| Net loans and leases to deposits | 64.5169% | 4,559 |
| Net loans and leases to core deposits | 66.9505% | 4,808 |
| Total domestic deposits to total assets | 90.6138% | 738 |
| Equity capital to assets | 8.7822% | 5,766 |
| Core capital (leverage) ratio | 8.6959% | 5,298 |
| Tier 1 risk-based capital ratio | 14.1320% | 4,371 |
| Total risk-based capital ratio | 15.2385% | 4,438 |
| Memoranda: | ||
| Average total assets | $272,504,500 | 2,365 |
| Average earning assets | $253,488,500 | 2,336 |
| Average equity | $23,809,000 | 2,784 |
| Average total loans | $160,741,500 | 2,473 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6722% | 4,368 |
| Cost of funding earning assets | 0.5776% | 6,204 |
| Net interest margin | 4.0946% | 2,447 |
| Noninterest income to average assets | 0.8294% | 1,927 |
| Noninterest expense to average assets | 3.0290% | 3,485 |
| Loan and lease loss provision to assets | 0.0851% | 5,539 |
| Net operating income to assets | 1.5400% | 760 |
| Return on assets (ROA) | 1.5400% | 827 |
| Pretax return on assets | 1.5400% | 1,365 |
| Return on Equity (ROE) | 18.0434% | 377 |
| Retained earnings to average equity (ytd only) | 9.8493% | 599 |
| Net charge-offs to loans | 0.2666% | 4,103 |
| Credit loss provision to net charge-offs | 51.6432% | 5,390 |
| Earnings coverage of net charge-offs (x) | 9.8568% | 1,920 |
| Efficiency ratio | 65.0811% | 4,937 |
| Assets per employee ($millions) | 3.9275% | 4,014 |
| Cash dividends to net income (ytd only)* | 45.4134% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1188% | 5,742 |
| Loan loss allowance to noncurrent loans | 142.1514% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.4631% | 5,809 |
| Noncurrent loans to loans | 0.7870% | 5,109 |
| Net loans and leases to total assets | 58.1823% | 4,339 |
| Net loans and leases to deposits | 64.1718% | 4,985 |
| Net loans and leases to core deposits | 66.7234% | 5,184 |
| Total domestic deposits to total assets | 90.6664% | 640 |
| Equity capital to assets | 8.6915% | 5,911 |
| Core capital (leverage) ratio | 8.7219% | 5,215 |
| Tier 1 risk-based capital ratio | 14.3215% | 4,093 |
| Total risk-based capital ratio | 15.4355% | 4,144 |
| Memoranda: | ||
| Average total assets | $258,370,600 | 2,444 |
| Average earning assets | $241,342,200 | 2,392 |
| Average equity | $22,052,400 | 2,887 |
| Average total loans | $159,794,800 | 2,499 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7172% | 4,369 |
| Cost of funding earning assets | 0.6010% | 6,283 |
| Net interest margin | 4.1162% | 2,409 |
| Noninterest income to average assets | 0.8500% | 1,835 |
| Noninterest expense to average assets | 3.0776% | 3,246 |
| Loan and lease loss provision to assets | 0.1097% | 5,066 |
| Net operating income to assets | 1.5093% | 913 |
| Return on assets (ROA) | 1.5093% | 999 |
| Pretax return on assets | 1.5093% | 1,628 |
| Return on Equity (ROE) | 17.7695% | 479 |
| Retained earnings to average equity (ytd only) | 9.4968% | 986 |
| Net charge-offs to loans | 0.2669% | 3,772 |
| Credit loss provision to net charge-offs | 65.6250% | 4,616 |
| Earnings coverage of net charge-offs (x) | 9.6843% | 2,015 |
| Efficiency ratio | 65.5284% | 4,800 |
| Assets per employee ($millions) | 3.6816% | 4,569 |
| Cash dividends to net income (ytd only)* | 46.5560% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1772% | 5,559 |
| Loan loss allowance to noncurrent loans | 96.0654% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.7594% | 5,257 |
| Noncurrent loans to loans | 1.2254% | 4,495 |
| Net loans and leases to total assets | 61.2394% | 3,898 |
| Net loans and leases to deposits | 67.8273% | 4,639 |
| Net loans and leases to core deposits | 70.8376% | 4,853 |
| Total domestic deposits to total assets | 90.2873% | 727 |
| Equity capital to assets | 8.9642% | 5,794 |
| Core capital (leverage) ratio | 8.7153% | 5,384 |
| Tier 1 risk-based capital ratio | 13.2556% | 4,912 |
| Total risk-based capital ratio | 14.3727% | 4,985 |
| Memoranda: | ||
| Average total assets | $255,213,250 | 2,482 |
| Average earning assets | $238,498,250 | 2,420 |
| Average equity | $21,677,000 | 2,919 |
| Average total loans | $159,879,000 | 2,514 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7020% | 4,529 |
| Cost of funding earning assets | 0.6135% | 6,391 |
| Net interest margin | 4.0886% | 2,451 |
| Noninterest income to average assets | 0.8743% | 1,733 |
| Noninterest expense to average assets | 3.1370% | 3,124 |
| Loan and lease loss provision to assets | 0.1179% | 4,798 |
| Net operating income to assets | 1.4443% | 991 |
| Return on assets (ROA) | 1.4443% | 1,050 |
| Pretax return on assets | 1.4443% | 1,680 |
| Return on Equity (ROE) | 17.3286% | 522 |
| Retained earnings to average equity (ytd only) | 9.4991% | 961 |
| Net charge-offs to loans | 0.1563% | 4,247 |
| Credit loss provision to net charge-offs | 120.0000% | 2,541 |
| Earnings coverage of net charge-offs (x) | 15.8960% | 1,377 |
| Efficiency ratio | 66.7559% | 4,731 |
| Assets per employee ($millions) | 3.5202% | 4,894 |
| Cash dividends to net income (ytd only)* | 45.1824% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2374% | 5,376 |
| Loan loss allowance to noncurrent loans | 97.8155% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.8128% | 5,256 |
| Noncurrent loans to loans | 1.2651% | 4,551 |
| Net loans and leases to total assets | 63.4528% | 3,588 |
| Net loans and leases to deposits | 70.0345% | 4,432 |
| Net loans and leases to core deposits | 73.4385% | 4,645 |
| Total domestic deposits to total assets | 90.6022% | 678 |
| Equity capital to assets | 8.7334% | 5,896 |
| Core capital (leverage) ratio | 8.5172% | 5,522 |
| Tier 1 risk-based capital ratio | 12.9894% | 4,923 |
| Total risk-based capital ratio | 14.1917% | 4,945 |
| Memoranda: | ||
| Average total assets | $254,380,000 | 2,503 |
| Average earning assets | $237,981,330 | 2,442 |
| Average equity | $21,202,000 | 2,968 |
| Average total loans | $159,938,000 | 2,538 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6060% | 4,915 |
| Cost of funding earning assets | 0.6260% | 6,492 |
| Net interest margin | 3.9800% | 2,770 |
| Noninterest income to average assets | 0.8444% | 1,869 |
| Noninterest expense to average assets | 3.1313% | 3,131 |
| Loan and lease loss provision to assets | 0.1648% | 3,984 |
| Net operating income to assets | 1.2808% | 1,323 |
| Return on assets (ROA) | 1.2808% | 1,369 |
| Pretax return on assets | 1.2808% | 2,097 |
| Return on Equity (ROE) | 15.7411% | 705 |
| Retained earnings to average equity (ytd only) | 7.9284% | 1,764 |
| Net charge-offs to loans | 0.1716% | 3,457 |
| Credit loss provision to net charge-offs | 154.4118% | 1,854 |
| Earnings coverage of net charge-offs (x) | 13.5441% | 1,427 |
| Efficiency ratio | 68.4156% | 4,576 |
| Assets per employee ($millions) | 3.5675% | 4,832 |
| Cash dividends to net income (ytd only)* | 49.6324% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 5,209 |
| Loan loss allowance to noncurrent loans | 83.8296% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 0.9285% | 5,039 |
| Noncurrent loans to loans | 1.5320% | 4,171 |
| Net loans and leases to total assets | 59.8274% | 4,300 |
| Net loans and leases to deposits | 65.4668% | 5,051 |
| Net loans and leases to core deposits | 68.8477% | 5,187 |
| Total domestic deposits to total assets | 91.3860% | 449 |
| Equity capital to assets | 8.0557% | 6,447 |
| Core capital (leverage) ratio | 8.4725% | 5,510 |
| Tier 1 risk-based capital ratio | 12.6802% | 5,087 |
| Total risk-based capital ratio | 13.8940% | 5,098 |
| Memoranda: | ||
| Average total assets | $254,843,500 | 2,522 |
| Average earning assets | $238,993,000 | 2,457 |
| Average equity | $20,735,500 | 3,021 |
| Average total loans | $158,488,000 | 2,585 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2657% | 3,295 |
| Cost of funding earning assets | 0.7094% | 6,856 |
| Net interest margin | 4.5563% | 1,119 |
| Noninterest income to average assets | 1.0598% | 1,335 |
| Noninterest expense to average assets | 3.2988% | 2,743 |
| Loan and lease loss provision to assets | 0.2134% | 5,124 |
| Net operating income to assets | 1.4768% | 807 |
| Return on assets (ROA) | 1.4768% | 865 |
| Pretax return on assets | 1.7584% | 835 |
| Return on Equity (ROE) | 17.1569% | 464 |
| Retained earnings to average equity (ytd only) | 7.5768% | 1,126 |
| Net charge-offs to loans | 0.0639% | 6,154 |
| Credit loss provision to net charge-offs | 485.4369% | 468 |
| Earnings coverage of net charge-offs (x) | 44.8544% | 516 |
| Efficiency ratio | 62.5881% | 5,608 |
| Assets per employee ($millions) | 3.5609% | 4,799 |
| Cash dividends to net income (ytd only)* | 55.8382% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 5,259 |
| Loan loss allowance to noncurrent loans | 86.6347% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 1.0310% | 4,937 |
| Noncurrent loans to loans | 1.4433% | 4,320 |
| Net loans and leases to total assets | 63.0475% | 4,059 |
| Net loans and leases to deposits | 69.2046% | 4,927 |
| Net loans and leases to core deposits | 72.7885% | 5,127 |
| Total domestic deposits to total assets | 91.1030% | 555 |
| Equity capital to assets | 8.2210% | 6,237 |
| Core capital (leverage) ratio | 8.4409% | 5,465 |
| Tier 1 risk-based capital ratio | 13.0930% | 4,528 |
| Total risk-based capital ratio | 14.3478% | 4,486 |
| Memoranda: | ||
| Average total assets | $234,297,400 | 2,700 |
| Average earning assets | $216,535,200 | 2,670 |
| Average equity | $20,166,800 | 3,125 |
| Average total loans | $161,188,000 | 2,600 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3972% | 2,901 |
| Cost of funding earning assets | 0.7156% | 7,025 |
| Net interest margin | 4.6816% | 880 |
| Noninterest income to average assets | 1.0589% | 1,279 |
| Noninterest expense to average assets | 3.3391% | 2,458 |
| Loan and lease loss provision to assets | 0.1359% | 5,670 |
| Net operating income to assets | 1.5076% | 913 |
| Return on assets (ROA) | 1.5076% | 992 |
| Pretax return on assets | 1.8893% | 786 |
| Return on Equity (ROE) | 17.3056% | 552 |
| Retained earnings to average equity (ytd only) | 7.7002% | 1,516 |
| Net charge-offs to loans | 0.0388% | 6,168 |
| Credit loss provision to net charge-offs | 500.0000% | 580 |
| Earnings coverage of net charge-offs (x) | 74.5049% | 408 |
| Efficiency ratio | 62.2467% | 5,577 |
| Assets per employee ($millions) | 3.4336% | 5,130 |
| Cash dividends to net income (ytd only)* | 55.5046% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1407% | 5,755 |
| Loan loss allowance to noncurrent loans | 159.4449% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.5796% | 5,989 |
| Noncurrent loans to loans | 0.7154% | 5,782 |
| Net loans and leases to total assets | 63.3153% | 4,253 |
| Net loans and leases to deposits | 69.7571% | 5,187 |
| Net loans and leases to core deposits | 73.6655% | 5,337 |
| Total domestic deposits to total assets | 90.7653% | 528 |
| Equity capital to assets | 8.5554% | 6,216 |
| Core capital (leverage) ratio | 8.7509% | 5,103 |
| Tier 1 risk-based capital ratio | 12.9554% | 4,608 |
| Total risk-based capital ratio | 14.0867% | 4,687 |
| Memoranda: | ||
| Average total assets | $230,556,000 | 2,776 |
| Average earning assets | $212,032,000 | 2,768 |
| Average equity | $20,085,500 | 3,180 |
| Average total loans | $161,699,000 | 2,635 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5256% | 2,420 |
| Cost of funding earning assets | 0.7407% | 7,091 |
| Net interest margin | 4.7849% | 671 |
| Noninterest income to average assets | 1.0197% | 1,320 |
| Noninterest expense to average assets | 3.4075% | 2,243 |
| Loan and lease loss provision to assets | 0.0929% | 5,988 |
| Net operating income to assets | 1.3345% | 1,232 |
| Return on assets (ROA) | 1.3345% | 1,304 |
| Pretax return on assets | 1.9182% | 713 |
| Return on Equity (ROE) | 15.2206% | 814 |
| Retained earnings to average equity (ytd only) | 5.9713% | 2,343 |
| Net charge-offs to loans | 0.0489% | 5,698 |
| Credit loss provision to net charge-offs | 262.5000% | 1,446 |
| Earnings coverage of net charge-offs (x) | 56.8500% | 537 |
| Efficiency ratio | 62.8856% | 5,540 |
| Assets per employee ($millions) | 3.2108% | 5,666 |
| Cash dividends to net income (ytd only)* | 60.7687% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0229% | 6,303 |
| Loan loss allowance to noncurrent loans | 108.0130% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.6640% | 5,826 |
| Noncurrent loans to loans | 0.9470% | 5,409 |
| Net loans and leases to total assets | 69.3952% | 3,039 |
| Net loans and leases to deposits | 76.6392% | 4,212 |
| Net loans and leases to core deposits | 81.0784% | 4,544 |
| Total domestic deposits to total assets | 90.5479% | 667 |
| Equity capital to assets | 8.8093% | 5,737 |
| Core capital (leverage) ratio | 8.7098% | 5,060 |
| Tier 1 risk-based capital ratio | 12.2396% | 5,086 |
| Total risk-based capital ratio | 13.2631% | 5,264 |
| Memoranda: | ||
| Average total assets | $226,145,330 | 2,859 |
| Average earning assets | $207,904,000 | 2,839 |
| Average equity | $19,828,330 | 3,196 |
| Average total loans | $163,553,330 | 2,646 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6191% | 2,077 |
| Cost of funding earning assets | 0.7790% | 7,150 |
| Net interest margin | 4.8401% | 584 |
| Noninterest income to average assets | 1.0070% | 1,280 |
| Noninterest expense to average assets | 3.4503% | 2,108 |
| Loan and lease loss provision to assets | 0.0805% | 5,839 |
| Net operating income to assets | 0.7298% | 3,307 |
| Return on assets (ROA) | 0.7298% | 3,415 |
| Pretax return on assets | 1.9103% | 720 |
| Return on Equity (ROE) | 8.3436% | 2,717 |
| Retained earnings to average equity (ytd only) | -0.9611% | 6,037 |
| Net charge-offs to loans | 0.0828% | 4,598 |
| Credit loss provision to net charge-offs | 132.3529% | 2,666 |
| Earnings coverage of net charge-offs (x) | 32.7353% | 819 |
| Efficiency ratio | 63.4122% | 5,601 |
| Assets per employee ($millions) | 3.2325% | 5,692 |
| Cash dividends to net income (ytd only)* | 111.5196% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9897% | 6,517 |
| Loan loss allowance to noncurrent loans | 106.6489% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.6671% | 5,849 |
| Noncurrent loans to loans | 0.9280% | 5,462 |
| Net loans and leases to total assets | 69.9158% | 2,961 |
| Net loans and leases to deposits | 76.9081% | 4,235 |
| Net loans and leases to core deposits | 81.9779% | 4,489 |
| Total domestic deposits to total assets | 90.9083% | 581 |
| Equity capital to assets | 8.5379% | 5,948 |
| Core capital (leverage) ratio | 8.6258% | 5,161 |
| Tier 1 risk-based capital ratio | 11.8666% | 5,330 |
| Total risk-based capital ratio | 12.8586% | 5,539 |
| Memoranda: | ||
| Average total assets | $223,630,000 | 2,945 |
| Average earning assets | $204,871,000 | 2,930 |
| Average equity | $19,560,000 | 3,258 |
| Average total loans | $164,288,500 | 2,696 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8133% | 2,599 |
| Cost of funding earning assets | 0.9910% | 7,224 |
| Net interest margin | 4.8223% | 659 |
| Noninterest income to average assets | 1.0797% | 1,325 |
| Noninterest expense to average assets | 3.6210% | 2,099 |
| Loan and lease loss provision to assets | 0.1401% | 6,240 |
| Net operating income to assets | 1.2375% | 1,159 |
| Return on assets (ROA) | 1.2375% | 1,214 |
| Pretax return on assets | 1.7246% | 740 |
| Return on Equity (ROE) | 13.3959% | 890 |
| Retained earnings to average equity (ytd only) | 1.0110% | 4,326 |
| Net charge-offs to loans | 0.0218% | 6,929 |
| Credit loss provision to net charge-offs | 882.3529% | 333 |
| Earnings coverage of net charge-offs (x) | 117.4412% | 243 |
| Efficiency ratio | 66.0083% | 5,390 |
| Assets per employee ($millions) | 3.0670% | 6,057 |
| Cash dividends to net income (ytd only)* | 92.4528% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9567% | 6,600 |
| Loan loss allowance to noncurrent loans | 77.7073% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 0.9414% | 5,223 |
| Noncurrent loans to loans | 1.2311% | 4,890 |
| Net loans and leases to total assets | 75.7364% | 1,869 |
| Net loans and leases to deposits | 83.7884% | 3,317 |
| Net loans and leases to core deposits | 101.4593% | 3,851 |
| Total domestic deposits to total assets | 90.3901% | 784 |
| Equity capital to assets | 8.9665% | 5,199 |
| Core capital (leverage) ratio | 8.7627% | 4,816 |
| Tier 1 risk-based capital ratio | 11.4928% | 5,397 |
| Total risk-based capital ratio | 12.4446% | 5,684 |
| Memoranda: | ||
| Average total assets | $214,142,200 | 3,024 |
| Average earning assets | $195,653,600 | 3,021 |
| Average equity | $19,782,200 | 3,237 |
| Average total loans | $156,133,600 | 2,827 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7796% | 2,983 |
| Cost of funding earning assets | 1.0399% | 7,303 |
| Net interest margin | 4.7397% | 776 |
| Noninterest income to average assets | 1.0917% | 1,335 |
| Noninterest expense to average assets | 3.5527% | 2,137 |
| Loan and lease loss provision to assets | 0.1594% | 5,754 |
| Net operating income to assets | 1.1474% | 1,592 |
| Return on assets (ROA) | 1.1474% | 1,664 |
| Pretax return on assets | 1.7113% | 949 |
| Return on Equity (ROE) | 12.3277% | 1,281 |
| Retained earnings to average equity (ytd only) | 8.2968% | 1,045 |
| Net charge-offs to loans | 0.0252% | 6,531 |
| Credit loss provision to net charge-offs | 879.3103% | 430 |
| Earnings coverage of net charge-offs (x) | 103.1608% | 352 |
| Efficiency ratio | 65.5061% | 5,454 |
| Assets per employee ($millions) | 3.0688% | 5,991 |
| Cash dividends to net income (ytd only)* | 32.6975% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9612% | 6,483 |
| Loan loss allowance to noncurrent loans | 80.8012% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 0.8945% | 5,288 |
| Noncurrent loans to loans | 1.1896% | 4,957 |
| Net loans and leases to total assets | 73.4399% | 2,676 |
| Net loans and leases to deposits | 82.0679% | 4,010 |
| Net loans and leases to core deposits | 98.7180% | 4,519 |
| Total domestic deposits to total assets | 89.4868% | 971 |
| Equity capital to assets | 9.4443% | 4,819 |
| Core capital (leverage) ratio | 9.3390% | 4,127 |
| Tier 1 risk-based capital ratio | 12.2416% | 4,756 |
| Total risk-based capital ratio | 13.1795% | 4,973 |
| Memoranda: | ||
| Average total assets | $213,239,250 | 3,050 |
| Average earning assets | $194,886,000 | 3,058 |
| Average equity | $19,846,500 | 3,262 |
| Average total loans | $153,539,000 | 2,889 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7691% | 3,197 |
| Cost of funding earning assets | 1.0778% | 7,417 |
| Net interest margin | 4.6913% | 811 |
| Noninterest income to average assets | 1.1073% | 1,296 |
| Noninterest expense to average assets | 3.5854% | 2,106 |
| Loan and lease loss provision to assets | 0.1984% | 5,068 |
| Net operating income to assets | 1.0733% | 1,861 |
| Return on assets (ROA) | 1.0733% | 1,940 |
| Pretax return on assets | 1.6042% | 1,193 |
| Return on Equity (ROE) | 11.5903% | 1,537 |
| Retained earnings to average equity (ytd only) | 7.5092% | 1,384 |
| Net charge-offs to loans | 0.0186% | 6,260 |
| Credit loss provision to net charge-offs | 1,500.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 136.2857% | 291 |
| Efficiency ratio | 66.5439% | 5,451 |
| Assets per employee ($millions) | 2.9466% | 6,277 |
| Cash dividends to net income (ytd only)* | 35.2113% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 6,450 |
| Loan loss allowance to noncurrent loans | 118.7062% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.5965% | 5,926 |
| Noncurrent loans to loans | 0.8164% | 5,591 |
| Net loans and leases to total assets | 72.3490% | 3,126 |
| Net loans and leases to deposits | 80.5693% | 4,465 |
| Net loans and leases to core deposits | 96.1728% | 4,885 |
| Total domestic deposits to total assets | 89.7973% | 914 |
| Equity capital to assets | 9.2850% | 4,903 |
| Core capital (leverage) ratio | 9.2929% | 4,173 |
| Tier 1 risk-based capital ratio | 12.2190% | 4,737 |
| Total risk-based capital ratio | 13.1603% | 4,910 |
| Memoranda: | ||
| Average total assets | $211,690,000 | 3,089 |
| Average earning assets | $193,165,670 | 3,103 |
| Average equity | $19,602,670 | 3,307 |
| Average total loans | $150,862,330 | 2,967 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7963% | 3,326 |
| Cost of funding earning assets | 1.1114% | 7,498 |
| Net interest margin | 4.6848% | 792 |
| Noninterest income to average assets | 1.0934% | 1,249 |
| Noninterest expense to average assets | 3.6288% | 1,799 |
| Loan and lease loss provision to assets | 0.2000% | 4,439 |
| Net operating income to assets | 1.0134% | 2,255 |
| Return on assets (ROA) | 1.0134% | 2,395 |
| Pretax return on assets | 1.5201% | 1,609 |
| Return on Equity (ROE) | 10.9589% | 1,974 |
| Retained earnings to average equity (ytd only) | 6.8390% | 2,269 |
| Net charge-offs to loans | 0.0325% | 5,061 |
| Credit loss provision to net charge-offs | 875.0000% | 703 |
| Earnings coverage of net charge-offs (x) | 75.2500% | 543 |
| Efficiency ratio | 67.8419% | 4,993 |
| Assets per employee ($millions) | 2.9659% | 6,245 |
| Cash dividends to net income (ytd only)* | 37.5940% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9637% | 6,410 |
| Loan loss allowance to noncurrent loans | 105.7334% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.6203% | 5,638 |
| Noncurrent loans to loans | 0.9114% | 5,178 |
| Net loans and leases to total assets | 67.4026% | 4,269 |
| Net loans and leases to deposits | 74.7433% | 5,392 |
| Net loans and leases to core deposits | 88.3175% | 5,704 |
| Total domestic deposits to total assets | 90.1788% | 718 |
| Equity capital to assets | 9.0522% | 5,291 |
| Core capital (leverage) ratio | 9.3969% | 4,110 |
| Tier 1 risk-based capital ratio | 12.5369% | 4,519 |
| Total risk-based capital ratio | 13.4562% | 4,689 |
| Memoranda: | ||
| Average total assets | $209,985,500 | 3,115 |
| Average earning assets | $190,743,000 | 3,144 |
| Average equity | $19,418,000 | 3,362 |
| Average total loans | $147,721,000 | 3,047 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4900% | 3,012 |
| Cost of funding earning assets | 1.4628% | 7,665 |
| Net interest margin | 5.0272% | 474 |
| Noninterest income to average assets | 1.1621% | 1,148 |
| Noninterest expense to average assets | 3.7616% | 1,830 |
| Loan and lease loss provision to assets | 0.1046% | 6,039 |
| Net operating income to assets | 1.3244% | 1,415 |
| Return on assets (ROA) | 1.3322% | 1,352 |
| Pretax return on assets | 1.8654% | 821 |
| Return on Equity (ROE) | 13.9833% | 1,110 |
| Retained earnings to average equity (ytd only) | 9.0403% | 600 |
| Net charge-offs to loans | 0.0211% | 6,563 |
| Credit loss provision to net charge-offs | 689.6552% | 612 |
| Earnings coverage of net charge-offs (x) | 129.1034% | 348 |
| Efficiency ratio | 65.7551% | 5,178 |
| Assets per employee ($millions) | 2.7495% | 6,678 |
| Cash dividends to net income (ytd only)* | 35.3496% | 3,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8961% | 6,697 |
| Loan loss allowance to noncurrent loans | 96.7201% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 0.8542% | 4,708 |
| Noncurrent loans to loans | 0.9265% | 4,767 |
| Net loans and leases to total assets | 72.1326% | 3,554 |
| Net loans and leases to deposits | 80.7395% | 4,916 |
| Net loans and leases to core deposits | 95.0137% | 5,346 |
| Total domestic deposits to total assets | 89.3399% | 901 |
| Equity capital to assets | 9.4549% | 4,748 |
| Core capital (leverage) ratio | 9.6552% | 3,820 |
| Tier 1 risk-based capital ratio | 12.4187% | 4,496 |
| Total risk-based capital ratio | 13.2844% | 4,678 |
| Memoranda: | ||
| Average total assets | $191,114,400 | 3,257 |
| Average earning assets | $173,297,200 | 3,280 |
| Average equity | $18,207,400 | 3,524 |
| Average total loans | $137,155,800 | 3,143 |