Home > First National Bank of Scotia > Performance and Condition Ratios
First National Bank of Scotia, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3917% | 3,291 |
| Cost of funding earning assets | 0.4183% | 4,274 |
| Net interest margin | 3.9734% | 1,247 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 3.1136% | 942 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.8432% | 2,731 |
| Return on assets (ROA) | 0.7071% | 3,150 |
| Pretax return on assets | 0.8939% | 2,976 |
| Return on Equity (ROE) | 10.0400% | 2,487 |
| Retained earnings to average equity (ytd only) | 7.3617% | 1,770 |
| Net charge-offs to loans | 0.1631% | 642 |
| Credit loss provision to net charge-offs | 91.0781% | 1,944 |
| Earnings coverage of net charge-offs (x) | 9.6679% | 2,279 |
| Efficiency ratio | 72.7031% | 1,590 |
| Assets per employee ($millions) | 4.3707% | 4,008 |
| Cash dividends to net income (ytd only)* | 26.6794% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1698% | 2,457 |
| Loan loss allowance to noncurrent loans | 181.8963% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.4762% | 1,175 |
| Noncurrent loans to loans | 0.6431% | 1,220 |
| Net loans and leases to total assets | 73.1800% | 1,453 |
| Net loans and leases to deposits | 83.6281% | 1,811 |
| Net loans and leases to core deposits | 84.4151% | 2,424 |
| Total domestic deposits to total assets | 87.5100% | 1,514 |
| Equity capital to assets | 7.8096% | 3,537 |
| Core capital (leverage) ratio | 8.4590% | 4,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3285% | 2,122 |
| Memoranda: | ||
| Average total assets | $667,404,800 | 1,358 |
| Average earning assets | $622,513,200 | 1,341 |
| Average equity | $46,999,800 | 1,678 |
| Average total loans | $494,793,600 | 1,244 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2812% | 3,325 |
| Cost of funding earning assets | 0.3508% | 4,315 |
| Net interest margin | 3.9304% | 1,343 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 2.9674% | 1,116 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.9371% | 2,560 |
| Return on assets (ROA) | 0.7495% | 3,169 |
| Pretax return on assets | 1.0039% | 2,851 |
| Return on Equity (ROE) | 10.9400% | 2,389 |
| Retained earnings to average equity (ytd only) | 8.4072% | 1,837 |
| Net charge-offs to loans | 0.0435% | 1,266 |
| Credit loss provision to net charge-offs | 182.0988% | 1,186 |
| Earnings coverage of net charge-offs (x) | 40.8395% | 1,433 |
| Efficiency ratio | 69.2436% | 1,873 |
| Assets per employee ($millions) | 4.4954% | 3,946 |
| Cash dividends to net income (ytd only)* | 23.1260% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 2,139 |
| Loan loss allowance to noncurrent loans | 150.5286% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.5991% | 984 |
| Noncurrent loans to loans | 0.8267% | 998 |
| Net loans and leases to total assets | 71.5700% | 1,631 |
| Net loans and leases to deposits | 80.8683% | 1,979 |
| Net loans and leases to core deposits | 81.4700% | 2,505 |
| Total domestic deposits to total assets | 88.5100% | 1,407 |
| Equity capital to assets | 6.9459% | 3,640 |
| Core capital (leverage) ratio | 8.2673% | 4,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0118% | 2,266 |
| Memoranda: | ||
| Average total assets | $669,260,250 | 1,347 |
| Average earning assets | $624,831,000 | 1,332 |
| Average equity | $45,864,250 | 1,696 |
| Average total loans | $496,314,500 | 1,237 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1427% | 3,408 |
| Cost of funding earning assets | 0.2697% | 4,356 |
| Net interest margin | 3.8730% | 1,479 |
| Noninterest income to average assets | 0.6900% | 1,151 |
| Noninterest expense to average assets | 2.9621% | 1,102 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.9947% | 2,435 |
| Return on assets (ROA) | 0.7107% | 3,320 |
| Pretax return on assets | 0.9524% | 3,041 |
| Return on Equity (ROE) | 10.4200% | 2,586 |
| Retained earnings to average equity (ytd only) | 7.8748% | 2,006 |
| Net charge-offs to loans | 0.0374% | 1,160 |
| Credit loss provision to net charge-offs | 139.7849% | 1,242 |
| Earnings coverage of net charge-offs (x) | 49.0215% | 1,296 |
| Efficiency ratio | 68.3930% | 1,937 |
| Assets per employee ($millions) | 4.3419% | 4,036 |
| Cash dividends to net income (ytd only)* | 24.4191% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 2,361 |
| Loan loss allowance to noncurrent loans | 205.6655% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.4440% | 1,199 |
| Noncurrent loans to loans | 0.5923% | 1,266 |
| Net loans and leases to total assets | 74.0400% | 1,289 |
| Net loans and leases to deposits | 83.7536% | 1,694 |
| Net loans and leases to core deposits | 84.4501% | 2,185 |
| Total domestic deposits to total assets | 88.4100% | 1,458 |
| Equity capital to assets | 7.0990% | 3,742 |
| Core capital (leverage) ratio | 8.1605% | 4,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8117% | 2,367 |
| Memoranda: | ||
| Average total assets | $666,078,000 | 1,353 |
| Average earning assets | $625,920,667 | 1,335 |
| Average equity | $45,436,000 | 1,710 |
| Average total loans | $497,760,000 | 1,220 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9585% | 3,535 |
| Cost of funding earning assets | 0.1219% | 4,507 |
| Net interest margin | 3.8366% | 1,608 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.8670% | 1,299 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9065% | 2,832 |
| Return on assets (ROA) | 0.3383% | 4,149 |
| Pretax return on assets | 0.4513% | 4,054 |
| Return on Equity (ROE) | 5.0600% | 3,880 |
| Retained earnings to average equity (ytd only) | 2.4772% | 3,611 |
| Net charge-offs to loans | -0.0008% | 3,300 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.0624% | 1,636 |
| Assets per employee ($millions) | 4.6117% | 3,954 |
| Cash dividends to net income (ytd only)* | 51.0601% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1886% | 2,616 |
| Loan loss allowance to noncurrent loans | 291.4831% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.3055% | 1,638 |
| Noncurrent loans to loans | 0.4078% | 1,710 |
| Net loans and leases to total assets | 74.0300% | 1,203 |
| Net loans and leases to deposits | 83.3539% | 1,544 |
| Net loans and leases to core deposits | 83.7608% | 1,998 |
| Total domestic deposits to total assets | 88.8100% | 1,609 |
| Equity capital to assets | 6.8904% | 3,878 |
| Core capital (leverage) ratio | 8.0005% | 4,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4475% | 2,583 |
| Memoranda: | ||
| Average total assets | $669,132,500 | 1,365 |
| Average earning assets | $630,043,500 | 1,344 |
| Average equity | $44,728,500 | 1,748 |
| Average total loans | $499,296,000 | 1,226 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5166% | 3,032 |
| Cost of funding earning assets | 0.0644% | 4,525 |
| Net interest margin | 3.4522% | 2,093 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.7564% | 1,424 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 0.6331% | 3,795 |
| Return on assets (ROA) | 0.6324% | 3,754 |
| Pretax return on assets | 0.7732% | 3,688 |
| Return on Equity (ROE) | 9.6400% | 2,926 |
| Retained earnings to average equity (ytd only) | 6.8131% | 2,316 |
| Net charge-offs to loans | 0.1571% | 526 |
| Credit loss provision to net charge-offs | 142.4731% | 1,338 |
| Earnings coverage of net charge-offs (x) | 8.4839% | 2,267 |
| Efficiency ratio | 74.7671% | 1,144 |
| Assets per employee ($millions) | 4.5241% | 4,021 |
| Cash dividends to net income (ytd only)* | 29.3405% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2036% | 2,366 |
| Loan loss allowance to noncurrent loans | 192.8824% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.4637% | 1,096 |
| Noncurrent loans to loans | 0.6240% | 1,188 |
| Net loans and leases to total assets | 73.4200% | 1,270 |
| Net loans and leases to deposits | 79.6262% | 1,799 |
| Net loans and leases to core deposits | 80.0321% | 2,133 |
| Total domestic deposits to total assets | 92.2100% | 584 |
| Equity capital to assets | 6.4789% | 3,905 |
| Core capital (leverage) ratio | 7.7027% | 4,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3487% | 2,630 |
| Memoranda: | ||
| Average total assets | $678,519,600 | 1,333 |
| Average earning assets | $634,961,600 | 1,325 |
| Average equity | $44,502,800 | 1,769 |
| Average total loans | $473,493,800 | 1,223 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3819% | 2,966 |
| Cost of funding earning assets | 0.0633% | 4,510 |
| Net interest margin | 3.3187% | 2,241 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.6519% | 1,587 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.6012% | 3,829 |
| Return on assets (ROA) | 0.5993% | 3,794 |
| Pretax return on assets | 0.7991% | 3,574 |
| Return on Equity (ROE) | 9.1100% | 2,999 |
| Retained earnings to average equity (ytd only) | 5.6657% | 2,868 |
| Net charge-offs to loans | 0.1172% | 536 |
| Credit loss provision to net charge-offs | 120.4380% | 1,219 |
| Earnings coverage of net charge-offs (x) | 11.1606% | 1,957 |
| Efficiency ratio | 74.6952% | 1,210 |
| Assets per employee ($millions) | 4.7638% | 3,864 |
| Cash dividends to net income (ytd only)* | 37.8105% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1661% | 2,710 |
| Loan loss allowance to noncurrent loans | 235.7494% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.3487% | 1,553 |
| Noncurrent loans to loans | 0.4947% | 1,564 |
| Net loans and leases to total assets | 69.6800% | 1,506 |
| Net loans and leases to deposits | 75.2734% | 1,939 |
| Net loans and leases to core deposits | 75.6386% | 2,228 |
| Total domestic deposits to total assets | 92.5600% | 696 |
| Equity capital to assets | 6.0147% | 3,960 |
| Core capital (leverage) ratio | 7.4019% | 4,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2365% | 2,737 |
| Memoranda: | ||
| Average total assets | $680,756,750 | 1,341 |
| Average earning assets | $636,507,750 | 1,328 |
| Average equity | $44,783,250 | 1,782 |
| Average total loans | $467,467,500 | 1,235 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2615% | 2,869 |
| Cost of funding earning assets | 0.0627% | 4,508 |
| Net interest margin | 3.1988% | 2,192 |
| Noninterest income to average assets | 0.4408% | 2,503 |
| Noninterest expense to average assets | 2.6426% | 1,518 |
| Loan and lease loss provision to assets | 0.0979% | 1,022 |
| Net operating income to assets | 0.5230% | 3,836 |
| Return on assets (ROA) | 0.5200% | 3,795 |
| Pretax return on assets | 0.6932% | 3,597 |
| Return on Equity (ROE) | 7.6766% | 3,107 |
| Retained earnings to average equity (ytd only) | 5.1455% | 2,654 |
| Net charge-offs to loans | 0.1443% | 448 |
| Credit loss provision to net charge-offs | 99.6979% | 1,308 |
| Earnings coverage of net charge-offs (x) | 8.0967% | 1,832 |
| Efficiency ratio | 76.8746% | 1,192 |
| Assets per employee ($millions) | 4.6782% | 3,948 |
| Cash dividends to net income (ytd only)* | 32.9720% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 2,722 |
| Loan loss allowance to noncurrent loans | 251.5299% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.3324% | 1,670 |
| Noncurrent loans to loans | 0.4740% | 1,695 |
| Net loans and leases to total assets | 69.3045% | 1,367 |
| Net loans and leases to deposits | 75.2581% | 1,742 |
| Net loans and leases to core deposits | 75.6983% | 2,044 |
| Total domestic deposits to total assets | 92.0891% | 802 |
| Equity capital to assets | 6.4160% | 4,051 |
| Core capital (leverage) ratio | 7.5537% | 4,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4469% | 2,692 |
| Memoranda: | ||
| Average total assets | $674,248,667 | 1,355 |
| Average earning assets | $631,676,667 | 1,351 |
| Average equity | $45,671,000 | 1,809 |
| Average total loans | $458,729,667 | 1,249 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1774% | 2,757 |
| Cost of funding earning assets | 0.0626% | 4,510 |
| Net interest margin | 3.1148% | 2,124 |
| Noninterest income to average assets | 0.4148% | 2,590 |
| Noninterest expense to average assets | 2.6319% | 1,518 |
| Loan and lease loss provision to assets | 0.0982% | 849 |
| Net operating income to assets | 0.4608% | 3,811 |
| Return on assets (ROA) | 0.4570% | 3,789 |
| Pretax return on assets | 0.6093% | 3,609 |
| Return on Equity (ROE) | 6.5718% | 3,168 |
| Retained earnings to average equity (ytd only) | 1.6258% | 3,649 |
| Net charge-offs to loans | 0.2426% | 256 |
| Credit loss provision to net charge-offs | 60.4396% | 1,170 |
| Earnings coverage of net charge-offs (x) | 4.3846% | 1,626 |
| Efficiency ratio | 78.7011% | 1,253 |
| Assets per employee ($millions) | 4.8145% | 3,909 |
| Cash dividends to net income (ytd only)* | 75.2604% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2197% | 2,759 |
| Loan loss allowance to noncurrent loans | 405.3168% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.2037% | 2,408 |
| Noncurrent loans to loans | 0.3009% | 2,385 |
| Net loans and leases to total assets | 66.8644% | 1,322 |
| Net loans and leases to deposits | 72.9536% | 1,704 |
| Net loans and leases to core deposits | 73.4823% | 1,979 |
| Total domestic deposits to total assets | 91.6534% | 724 |
| Equity capital to assets | 6.6425% | 4,367 |
| Core capital (leverage) ratio | 7.4046% | 4,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7126% | 2,710 |
| Memoranda: | ||
| Average total assets | $672,206,000 | 1,362 |
| Average earning assets | $632,215,500 | 1,358 |
| Average equity | $46,745,500 | 1,827 |
| Average total loans | $450,200,500 | 1,257 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4283% | 2,854 |
| Cost of funding earning assets | 0.0830% | 4,511 |
| Net interest margin | 3.3453% | 2,189 |
| Noninterest income to average assets | 0.4902% | 2,620 |
| Noninterest expense to average assets | 2.8279% | 1,293 |
| Loan and lease loss provision to assets | 0.0600% | 1,855 |
| Net operating income to assets | 0.6058% | 3,866 |
| Return on assets (ROA) | 0.6089% | 3,900 |
| Pretax return on assets | 0.7639% | 3,802 |
| Return on Equity (ROE) | 8.8669% | 2,967 |
| Retained earnings to average equity (ytd only) | 6.0652% | 2,332 |
| Net charge-offs to loans | 0.0269% | 1,703 |
| Credit loss provision to net charge-offs | 330.5085% | 1,017 |
| Earnings coverage of net charge-offs (x) | 45.1525% | 1,361 |
| Efficiency ratio | 77.5199% | 992 |
| Assets per employee ($millions) | 4.9293% | 3,798 |
| Cash dividends to net income (ytd only)* | 31.5976% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2773% | 2,469 |
| Loan loss allowance to noncurrent loans | 271.9559% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.3112% | 1,992 |
| Noncurrent loans to loans | 0.4697% | 1,955 |
| Net loans and leases to total assets | 65.4070% | 1,544 |
| Net loans and leases to deposits | 71.6881% | 1,943 |
| Net loans and leases to core deposits | 72.1533% | 2,245 |
| Total domestic deposits to total assets | 91.2382% | 407 |
| Equity capital to assets | 7.2672% | 4,660 |
| Core capital (leverage) ratio | 7.4462% | 4,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0088% | 2,627 |
| Memoranda: | ||
| Average total assets | $649,713,200 | 1,363 |
| Average earning assets | $613,281,400 | 1,351 |
| Average equity | $44,615,400 | 1,935 |
| Average total loans | $439,114,200 | 1,290 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4263% | 3,025 |
| Cost of funding earning assets | 0.0887% | 4,583 |
| Net interest margin | 3.3376% | 2,315 |
| Noninterest income to average assets | 0.4903% | 2,665 |
| Noninterest expense to average assets | 2.6575% | 1,688 |
| Loan and lease loss provision to assets | 0.0465% | 2,068 |
| Net operating income to assets | 0.7022% | 3,763 |
| Return on assets (ROA) | 0.7050% | 3,823 |
| Pretax return on assets | 0.9404% | 3,607 |
| Return on Equity (ROE) | 10.4242% | 2,581 |
| Retained earnings to average equity (ytd only) | 6.8852% | 2,459 |
| Net charge-offs to loans | 0.0384% | 1,317 |
| Credit loss provision to net charge-offs | 178.5714% | 1,260 |
| Earnings coverage of net charge-offs (x) | 37.7302% | 1,405 |
| Efficiency ratio | 72.9902% | 1,307 |
| Assets per employee ($millions) | 5.0527% | 3,649 |
| Cash dividends to net income (ytd only)* | 33.9495% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2439% | 2,772 |
| Loan loss allowance to noncurrent loans | 339.9258% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.2372% | 2,590 |
| Noncurrent loans to loans | 0.3659% | 2,472 |
| Net loans and leases to total assets | 64.0178% | 1,775 |
| Net loans and leases to deposits | 69.8394% | 2,260 |
| Net loans and leases to core deposits | 70.1042% | 2,587 |
| Total domestic deposits to total assets | 91.6644% | 196 |
| Equity capital to assets | 6.8964% | 4,828 |
| Core capital (leverage) ratio | 7.4637% | 4,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1992% | 2,648 |
| Memoranda: | ||
| Average total assets | $644,547,000 | 1,388 |
| Average earning assets | $608,451,750 | 1,373 |
| Average equity | $43,589,750 | 1,985 |
| Average total loans | $437,856,000 | 1,312 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4594% | 3,008 |
| Cost of funding earning assets | 0.0975% | 4,595 |
| Net interest margin | 3.3619% | 2,269 |
| Noninterest income to average assets | 0.5180% | 2,542 |
| Noninterest expense to average assets | 2.6477% | 1,737 |
| Loan and lease loss provision to assets | 0.0190% | 2,580 |
| Net operating income to assets | 0.7691% | 3,599 |
| Return on assets (ROA) | 0.7721% | 3,651 |
| Pretax return on assets | 1.0300% | 3,371 |
| Return on Equity (ROE) | 11.4988% | 2,238 |
| Retained earnings to average equity (ytd only) | 8.7749% | 1,789 |
| Net charge-offs to loans | 0.0541% | 1,083 |
| Credit loss provision to net charge-offs | 50.8475% | 1,600 |
| Earnings coverage of net charge-offs (x) | 27.9915% | 1,350 |
| Efficiency ratio | 71.6967% | 1,461 |
| Assets per employee ($millions) | 4.8484% | 3,788 |
| Cash dividends to net income (ytd only)* | 23.6885% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 2,920 |
| Loan loss allowance to noncurrent loans | 436.1633% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.1886% | 3,016 |
| Noncurrent loans to loans | 0.2759% | 2,951 |
| Net loans and leases to total assets | 67.5106% | 1,513 |
| Net loans and leases to deposits | 73.5133% | 2,046 |
| Net loans and leases to core deposits | 73.9130% | 2,416 |
| Total domestic deposits to total assets | 91.8346% | 161 |
| Equity capital to assets | 6.7788% | 4,877 |
| Core capital (leverage) ratio | 7.2002% | 4,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7311% | 2,798 |
| Memoranda: | ||
| Average total assets | $632,026,000 | 1,400 |
| Average earning assets | $596,872,000 | 1,384 |
| Average equity | $42,439,333 | 2,017 |
| Average total loans | $436,417,333 | 1,316 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5931% | 2,662 |
| Cost of funding earning assets | 0.1121% | 4,572 |
| Net interest margin | 3.4810% | 1,878 |
| Noninterest income to average assets | 0.5244% | 2,507 |
| Noninterest expense to average assets | 2.6618% | 1,710 |
| Loan and lease loss provision to assets | 0.1926% | 640 |
| Net operating income to assets | 0.7187% | 3,669 |
| Return on assets (ROA) | 0.7253% | 3,713 |
| Pretax return on assets | 0.9679% | 3,464 |
| Return on Equity (ROE) | 10.8553% | 2,405 |
| Retained earnings to average equity (ytd only) | 5.3028% | 3,126 |
| Net charge-offs to loans | 0.0379% | 1,088 |
| Credit loss provision to net charge-offs | 731.7073% | 504 |
| Earnings coverage of net charge-offs (x) | 43.7805% | 951 |
| Efficiency ratio | 69.7913% | 1,731 |
| Assets per employee ($millions) | 4.8473% | 3,805 |
| Cash dividends to net income (ytd only)* | 51.1504% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3050% | 2,417 |
| Loan loss allowance to noncurrent loans | 423.3358% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.2058% | 3,128 |
| Noncurrent loans to loans | 0.3083% | 2,996 |
| Net loans and leases to total assets | 65.8992% | 1,809 |
| Net loans and leases to deposits | 71.6834% | 2,342 |
| Net loans and leases to core deposits | 72.0840% | 2,697 |
| Total domestic deposits to total assets | 91.9309% | 161 |
| Equity capital to assets | 6.3911% | 4,911 |
| Core capital (leverage) ratio | 7.1425% | 4,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4895% | 2,818 |
| Memoranda: | ||
| Average total assets | $623,193,000 | 1,405 |
| Average earning assets | $588,914,000 | 1,384 |
| Average equity | $41,638,500 | 2,032 |
| Average total loans | $432,649,000 | 1,323 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8083% | 3,278 |
| Cost of funding earning assets | 0.1856% | 4,628 |
| Net interest margin | 3.6227% | 2,066 |
| Noninterest income to average assets | 0.5669% | 2,346 |
| Noninterest expense to average assets | 3.0746% | 1,283 |
| Loan and lease loss provision to assets | 0.1618% | 2,351 |
| Net operating income to assets | 0.5801% | 3,814 |
| Return on assets (ROA) | 0.5883% | 3,896 |
| Pretax return on assets | 0.7463% | 3,775 |
| Return on Equity (ROE) | 8.0078% | 2,816 |
| Retained earnings to average equity (ytd only) | 4.8963% | 2,318 |
| Net charge-offs to loans | 0.0211% | 2,639 |
| Credit loss provision to net charge-offs | 994.3820% | 788 |
| Earnings coverage of net charge-offs (x) | 55.1461% | 1,119 |
| Efficiency ratio | 77.4044% | 1,091 |
| Assets per employee ($millions) | 4.4875% | 3,921 |
| Cash dividends to net income (ytd only)* | 38.8561% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2514% | 2,675 |
| Loan loss allowance to noncurrent loans | 449.3344% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.2014% | 3,283 |
| Noncurrent loans to loans | 0.2785% | 3,197 |
| Net loans and leases to total assets | 71.4079% | 1,379 |
| Net loans and leases to deposits | 78.2187% | 2,045 |
| Net loans and leases to core deposits | 78.6970% | 2,489 |
| Total domestic deposits to total assets | 91.2927% | 158 |
| Equity capital to assets | 6.9975% | 4,916 |
| Core capital (leverage) ratio | 7.4295% | 4,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7388% | 2,716 |
| Memoranda: | ||
| Average total assets | $546,839,600 | 1,436 |
| Average earning assets | $514,011,600 | 1,422 |
| Average equity | $40,173,400 | 2,018 |
| Average total loans | $422,016,800 | 1,291 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8541% | 3,404 |
| Cost of funding earning assets | 0.1996% | 4,678 |
| Net interest margin | 3.6545% | 2,089 |
| Noninterest income to average assets | 0.5939% | 2,205 |
| Noninterest expense to average assets | 3.0197% | 1,404 |
| Loan and lease loss provision to assets | 0.1460% | 2,563 |
| Net operating income to assets | 0.6433% | 3,650 |
| Return on assets (ROA) | 0.6520% | 3,724 |
| Pretax return on assets | 0.8711% | 3,465 |
| Return on Equity (ROE) | 8.7589% | 2,494 |
| Retained earnings to average equity (ytd only) | 4.8806% | 2,612 |
| Net charge-offs to loans | 0.0616% | 1,719 |
| Credit loss provision to net charge-offs | 301.5464% | 1,754 |
| Earnings coverage of net charge-offs (x) | 20.7784% | 1,890 |
| Efficiency ratio | 75.0139% | 1,299 |
| Assets per employee ($millions) | 4.4339% | 3,922 |
| Cash dividends to net income (ytd only)* | 44.2786% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1678% | 2,855 |
| Loan loss allowance to noncurrent loans | 296.1470% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.2798% | 3,044 |
| Noncurrent loans to loans | 0.3943% | 2,878 |
| Net loans and leases to total assets | 70.1187% | 1,930 |
| Net loans and leases to deposits | 76.3465% | 2,716 |
| Net loans and leases to core deposits | 76.8461% | 3,108 |
| Total domestic deposits to total assets | 91.8427% | 65 |
| Equity capital to assets | 6.7080% | 4,977 |
| Core capital (leverage) ratio | 7.5671% | 4,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9514% | 2,634 |
| Memoranda: | ||
| Average total assets | $534,338,500 | 1,450 |
| Average earning assets | $501,756,500 | 1,433 |
| Average equity | $39,775,750 | 2,024 |
| Average total loans | $419,622,250 | 1,293 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9995% | 3,324 |
| Cost of funding earning assets | 0.2192% | 4,711 |
| Net interest margin | 3.7803% | 1,889 |
| Noninterest income to average assets | 0.5498% | 2,353 |
| Noninterest expense to average assets | 3.1131% | 1,326 |
| Loan and lease loss provision to assets | 0.1290% | 2,730 |
| Net operating income to assets | 0.6398% | 3,610 |
| Return on assets (ROA) | 0.6538% | 3,662 |
| Pretax return on assets | 0.8732% | 3,391 |
| Return on Equity (ROE) | 8.4549% | 2,577 |
| Retained earnings to average equity (ytd only) | 4.0707% | 2,867 |
| Net charge-offs to loans | 0.0585% | 1,666 |
| Credit loss provision to net charge-offs | 270.4918% | 1,692 |
| Earnings coverage of net charge-offs (x) | 20.6311% | 1,680 |
| Efficiency ratio | 75.9782% | 1,268 |
| Assets per employee ($millions) | 4.1106% | 4,194 |
| Cash dividends to net income (ytd only)* | 51.8541% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1150% | 2,971 |
| Loan loss allowance to noncurrent loans | 351.0576% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.2452% | 3,333 |
| Noncurrent loans to loans | 0.3176% | 3,249 |
| Net loans and leases to total assets | 76.3557% | 1,078 |
| Net loans and leases to deposits | 83.4819% | 2,048 |
| Net loans and leases to core deposits | 84.1069% | 2,595 |
| Total domestic deposits to total assets | 91.4638% | 90 |
| Equity capital to assets | 7.1595% | 4,945 |
| Core capital (leverage) ratio | 7.9057% | 4,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8922% | 2,650 |
| Memoranda: | ||
| Average total assets | $511,448,333 | 1,473 |
| Average earning assets | $479,964,000 | 1,456 |
| Average equity | $39,551,000 | 2,017 |
| Average total loans | $416,890,333 | 1,282 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2120% | 3,174 |
| Cost of funding earning assets | 0.2346% | 4,806 |
| Net interest margin | 3.9774% | 1,452 |
| Noninterest income to average assets | 0.5799% | 2,129 |
| Noninterest expense to average assets | 3.3212% | 1,182 |
| Loan and lease loss provision to assets | 0.1353% | 2,033 |
| Net operating income to assets | 0.6362% | 3,487 |
| Return on assets (ROA) | 0.6464% | 3,519 |
| Pretax return on assets | 0.8629% | 3,244 |
| Return on Equity (ROE) | 8.0175% | 2,515 |
| Retained earnings to average equity (ytd only) | 5.0771% | 2,242 |
| Net charge-offs to loans | 0.0733% | 1,291 |
| Credit loss provision to net charge-offs | 220.0000% | 1,365 |
| Earnings coverage of net charge-offs (x) | 16.0133% | 1,542 |
| Efficiency ratio | 77.1238% | 1,446 |
| Assets per employee ($millions) | 3.5156% | 4,470 |
| Cash dividends to net income (ytd only)* | 36.6751% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 2,884 |
| Loan loss allowance to noncurrent loans | 352.2131% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.2708% | 3,373 |
| Noncurrent loans to loans | 0.3291% | 3,313 |
| Net loans and leases to total assets | 81.3511% | 522 |
| Net loans and leases to deposits | 90.1062% | 1,499 |
| Net loans and leases to core deposits | 90.8288% | 2,269 |
| Total domestic deposits to total assets | 90.2835% | 242 |
| Equity capital to assets | 8.0480% | 4,961 |
| Core capital (leverage) ratio | 8.6844% | 4,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4098% | 2,966 |
| Memoranda: | ||
| Average total assets | $487,650,500 | 1,497 |
| Average earning assets | $456,881,500 | 1,477 |
| Average equity | $39,314,000 | 2,012 |
| Average total loans | $409,498,000 | 1,272 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1863% | 3,840 |
| Cost of funding earning assets | 0.2247% | 4,907 |
| Net interest margin | 3.9616% | 1,966 |
| Noninterest income to average assets | 0.6163% | 2,160 |
| Noninterest expense to average assets | 3.3031% | 1,290 |
| Loan and lease loss provision to assets | 0.1359% | 1,570 |
| Net operating income to assets | 0.7056% | 3,855 |
| Return on assets (ROA) | 0.7062% | 3,915 |
| Pretax return on assets | 0.9033% | 3,735 |
| Return on Equity (ROE) | 9.1874% | 2,667 |
| Retained earnings to average equity (ytd only) | 5.4910% | 2,168 |
| Net charge-offs to loans | 0.1014% | 1,710 |
| Credit loss provision to net charge-offs | 156.3981% | 1,646 |
| Earnings coverage of net charge-offs (x) | 11.9479% | 2,454 |
| Efficiency ratio | 76.0861% | 1,355 |
| Assets per employee ($millions) | 3.4264% | 4,545 |
| Cash dividends to net income (ytd only)* | 40.2332% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1126% | 2,873 |
| Loan loss allowance to noncurrent loans | 434.4340% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.2194% | 3,581 |
| Noncurrent loans to loans | 0.2561% | 3,531 |
| Net loans and leases to total assets | 84.7205% | 261 |
| Net loans and leases to deposits | 94.0550% | 1,143 |
| Net loans and leases to core deposits | 95.1851% | 1,972 |
| Total domestic deposits to total assets | 90.0755% | 300 |
| Equity capital to assets | 8.0761% | 5,047 |
| Core capital (leverage) ratio | 8.6782% | 4,731 |
| Tier 1 risk-based capital ratio | 10.8446% | 4,909 |
| Total risk-based capital ratio | 12.0954% | 4,817 |
| Memoranda: | ||
| Average total assets | $485,671,600 | 1,462 |
| Average earning assets | $456,659,800 | 1,442 |
| Average equity | $37,333,600 | 2,039 |
| Average total loans | $416,090,800 | 1,226 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1656% | 4,001 |
| Cost of funding earning assets | 0.2200% | 4,994 |
| Net interest margin | 3.9455% | 2,118 |
| Noninterest income to average assets | 0.6202% | 2,106 |
| Noninterest expense to average assets | 3.2135% | 1,441 |
| Loan and lease loss provision to assets | 0.1357% | 1,416 |
| Net operating income to assets | 0.7337% | 3,900 |
| Return on assets (ROA) | 0.7348% | 3,965 |
| Pretax return on assets | 0.9796% | 3,651 |
| Return on Equity (ROE) | 9.6802% | 2,582 |
| Retained earnings to average equity (ytd only) | 6.0754% | 2,335 |
| Net charge-offs to loans | 0.0598% | 1,964 |
| Credit loss provision to net charge-offs | 264.7059% | 1,043 |
| Earnings coverage of net charge-offs (x) | 21.7217% | 1,901 |
| Efficiency ratio | 74.2634% | 1,524 |
| Assets per employee ($millions) | 3.5280% | 4,470 |
| Cash dividends to net income (ytd only)* | 37.2388% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1268% | 2,892 |
| Loan loss allowance to noncurrent loans | 356.3262% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 3,451 |
| Noncurrent loans to loans | 0.3162% | 3,395 |
| Net loans and leases to total assets | 80.7486% | 739 |
| Net loans and leases to deposits | 88.8462% | 1,831 |
| Net loans and leases to core deposits | 89.9302% | 2,551 |
| Total domestic deposits to total assets | 90.8859% | 114 |
| Equity capital to assets | 7.4536% | 5,193 |
| Core capital (leverage) ratio | 8.5875% | 4,898 |
| Tier 1 risk-based capital ratio | 10.6925% | 5,023 |
| Total risk-based capital ratio | 11.9433% | 4,938 |
| Memoranda: | ||
| Average total assets | $486,310,250 | 1,469 |
| Average earning assets | $456,911,000 | 1,449 |
| Average equity | $36,912,750 | 2,066 |
| Average total loans | $416,637,500 | 1,234 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1868% | 3,958 |
| Cost of funding earning assets | 0.2222% | 5,023 |
| Net interest margin | 3.9646% | 2,040 |
| Noninterest income to average assets | 0.6037% | 2,130 |
| Noninterest expense to average assets | 3.2797% | 1,321 |
| Loan and lease loss provision to assets | 0.1378% | 1,342 |
| Net operating income to assets | 0.6834% | 4,055 |
| Return on assets (ROA) | 0.6842% | 4,108 |
| Pretax return on assets | 0.9122% | 3,808 |
| Return on Equity (ROE) | 8.9576% | 2,873 |
| Retained earnings to average equity (ytd only) | 5.7987% | 2,369 |
| Net charge-offs to loans | 0.0542% | 1,871 |
| Credit loss provision to net charge-offs | 292.0354% | 922 |
| Earnings coverage of net charge-offs (x) | 22.2301% | 1,700 |
| Efficiency ratio | 75.7716% | 1,422 |
| Assets per employee ($millions) | 3.4487% | 4,556 |
| Cash dividends to net income (ytd only)* | 35.2654% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0978% | 3,080 |
| Loan loss allowance to noncurrent loans | 555.6364% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.1888% | 3,827 |
| Noncurrent loans to loans | 0.1976% | 3,843 |
| Net loans and leases to total assets | 86.1526% | 201 |
| Net loans and leases to deposits | 95.0674% | 1,143 |
| Net loans and leases to core deposits | 96.2997% | 2,034 |
| Total domestic deposits to total assets | 90.6226% | 169 |
| Equity capital to assets | 7.7682% | 5,212 |
| Core capital (leverage) ratio | 8.5393% | 4,949 |
| Tier 1 risk-based capital ratio | 10.4247% | 5,128 |
| Total risk-based capital ratio | 11.6754% | 5,046 |
| Memoranda: | ||
| Average total assets | $479,068,000 | 1,488 |
| Average earning assets | $450,084,000 | 1,469 |
| Average equity | $36,594,670 | 2,074 |
| Average total loans | $417,214,000 | 1,229 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1016% | 4,121 |
| Cost of funding earning assets | 0.2149% | 5,086 |
| Net interest margin | 3.8866% | 2,234 |
| Noninterest income to average assets | 0.5913% | 2,086 |
| Noninterest expense to average assets | 3.3125% | 1,260 |
| Loan and lease loss provision to assets | 0.1378% | 1,255 |
| Net operating income to assets | 0.5972% | 4,254 |
| Return on assets (ROA) | 0.5997% | 4,281 |
| Pretax return on assets | 0.7993% | 4,046 |
| Return on Equity (ROE) | 7.9177% | 3,298 |
| Retained earnings to average equity (ytd only) | 4.7308% | 3,029 |
| Net charge-offs to loans | 0.0537% | 1,517 |
| Credit loss provision to net charge-offs | 294.6429% | 842 |
| Earnings coverage of net charge-offs (x) | 19.9643% | 1,577 |
| Efficiency ratio | 78.0094% | 1,264 |
| Assets per employee ($millions) | 3.4531% | 4,603 |
| Cash dividends to net income (ytd only)* | 40.2507% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0694% | 3,303 |
| Loan loss allowance to noncurrent loans | 202.4423% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.4737% | 2,719 |
| Noncurrent loans to loans | 0.5282% | 2,734 |
| Net loans and leases to total assets | 85.6567% | 216 |
| Net loans and leases to deposits | 97.4070% | 851 |
| Net loans and leases to core deposits | 99.2087% | 1,692 |
| Total domestic deposits to total assets | 87.9368% | 1,370 |
| Equity capital to assets | 7.5541% | 5,257 |
| Core capital (leverage) ratio | 8.3753% | 5,073 |
| Tier 1 risk-based capital ratio | 10.2185% | 5,242 |
| Total risk-based capital ratio | 11.4606% | 5,187 |
| Memoranda: | ||
| Average total assets | $478,918,500 | 1,493 |
| Average earning assets | $450,365,000 | 1,476 |
| Average equity | $36,273,000 | 2,084 |
| Average total loans | $417,035,500 | 1,239 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8558% | 4,379 |
| Cost of funding earning assets | 0.1191% | 5,248 |
| Net interest margin | 3.7367% | 2,913 |
| Noninterest income to average assets | 0.6015% | 2,282 |
| Noninterest expense to average assets | 3.1941% | 1,570 |
| Loan and lease loss provision to assets | 0.1263% | 1,732 |
| Net operating income to assets | 0.5920% | 4,438 |
| Return on assets (ROA) | 0.5903% | 4,451 |
| Pretax return on assets | 0.7794% | 4,227 |
| Return on Equity (ROE) | 7.7353% | 3,556 |
| Retained earnings to average equity (ytd only) | 4.3891% | 3,130 |
| Net charge-offs to loans | 0.0694% | 2,126 |
| Credit loss provision to net charge-offs | 212.7660% | 1,359 |
| Earnings coverage of net charge-offs (x) | 15.2908% | 2,334 |
| Efficiency ratio | 77.8679% | 1,142 |
| Assets per employee ($millions) | 3.4130% | 4,646 |
| Cash dividends to net income (ytd only)* | 43.2596% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0510% | 3,378 |
| Loan loss allowance to noncurrent loans | 177.4482% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.5188% | 2,518 |
| Noncurrent loans to loans | 0.5923% | 2,511 |
| Net loans and leases to total assets | 86.6636% | 197 |
| Net loans and leases to deposits | 95.3839% | 1,133 |
| Net loans and leases to core deposits | 97.1223% | 1,960 |
| Total domestic deposits to total assets | 90.8576% | 239 |
| Equity capital to assets | 7.5941% | 5,267 |
| Core capital (leverage) ratio | 8.2167% | 5,161 |
| Tier 1 risk-based capital ratio | 10.1598% | 5,264 |
| Total risk-based capital ratio | 11.3732% | 5,219 |
| Memoranda: | ||
| Average total assets | $474,974,200 | 1,470 |
| Average earning assets | $444,942,800 | 1,465 |
| Average equity | $36,249,200 | 2,020 |
| Average total loans | $406,108,800 | 1,243 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7631% | 4,519 |
| Cost of funding earning assets | 0.1094% | 5,330 |
| Net interest margin | 3.6537% | 3,190 |
| Noninterest income to average assets | 0.6033% | 2,289 |
| Noninterest expense to average assets | 3.0998% | 1,767 |
| Loan and lease loss provision to assets | 0.1263% | 1,596 |
| Net operating income to assets | 0.5549% | 4,635 |
| Return on assets (ROA) | 0.5542% | 4,645 |
| Pretax return on assets | 0.7970% | 4,298 |
| Return on Equity (ROE) | 7.2532% | 3,839 |
| Retained earnings to average equity (ytd only) | 4.1720% | 3,690 |
| Net charge-offs to loans | 0.0654% | 1,895 |
| Credit loss provision to net charge-offs | 227.2727% | 1,261 |
| Earnings coverage of net charge-offs (x) | 16.6315% | 2,156 |
| Efficiency ratio | 77.0347% | 1,221 |
| Assets per employee ($millions) | 3.3374% | 4,741 |
| Cash dividends to net income (ytd only)* | 42.4810% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0482% | 3,474 |
| Loan loss allowance to noncurrent loans | 171.4912% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.5010% | 2,698 |
| Noncurrent loans to loans | 0.6112% | 2,555 |
| Net loans and leases to total assets | 81.1081% | 857 |
| Net loans and leases to deposits | 88.8662% | 2,038 |
| Net loans and leases to core deposits | 89.1902% | 2,730 |
| Total domestic deposits to total assets | 91.2700% | 172 |
| Equity capital to assets | 7.3749% | 5,333 |
| Core capital (leverage) ratio | 8.2477% | 5,224 |
| Tier 1 risk-based capital ratio | 10.0657% | 5,369 |
| Total risk-based capital ratio | 11.2598% | 5,328 |
| Memoranda: | ||
| Average total assets | $475,116,000 | 1,474 |
| Average earning assets | $444,797,000 | 1,471 |
| Average equity | $36,304,750 | 2,021 |
| Average total loans | $403,759,750 | 1,246 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7372% | 4,495 |
| Cost of funding earning assets | 0.1021% | 5,404 |
| Net interest margin | 3.6351% | 3,179 |
| Noninterest income to average assets | 0.6656% | 2,024 |
| Noninterest expense to average assets | 3.2086% | 1,516 |
| Loan and lease loss provision to assets | 0.1286% | 1,544 |
| Net operating income to assets | 0.4823% | 4,785 |
| Return on assets (ROA) | 0.4843% | 4,787 |
| Pretax return on assets | 0.7342% | 4,424 |
| Return on Equity (ROE) | 6.2604% | 4,150 |
| Retained earnings to average equity (ytd only) | 3.1579% | 3,986 |
| Net charge-offs to loans | 0.0717% | 1,620 |
| Credit loss provision to net charge-offs | 208.3333% | 1,268 |
| Earnings coverage of net charge-offs (x) | 13.9375% | 2,127 |
| Efficiency ratio | 78.8581% | 1,132 |
| Assets per employee ($millions) | 3.3122% | 4,803 |
| Cash dividends to net income (ytd only)* | 49.5575% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0297% | 3,649 |
| Loan loss allowance to noncurrent loans | 172.8319% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.5173% | 2,687 |
| Noncurrent loans to loans | 0.5958% | 2,633 |
| Net loans and leases to total assets | 85.9302% | 273 |
| Net loans and leases to deposits | 94.2602% | 1,328 |
| Net loans and leases to core deposits | 94.6831% | 2,161 |
| Total domestic deposits to total assets | 91.1627% | 214 |
| Equity capital to assets | 7.7423% | 5,310 |
| Core capital (leverage) ratio | 8.3105% | 5,206 |
| Tier 1 risk-based capital ratio | 9.9455% | 5,443 |
| Total risk-based capital ratio | 11.1097% | 5,403 |
| Memoranda: | ||
| Average total assets | $466,615,670 | 1,515 |
| Average earning assets | $436,849,330 | 1,501 |
| Average equity | $36,099,670 | 2,028 |
| Average total loans | $401,565,670 | 1,254 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6653% | 4,559 |
| Cost of funding earning assets | 0.1011% | 5,464 |
| Net interest margin | 3.5642% | 3,300 |
| Noninterest income to average assets | 0.6705% | 1,957 |
| Noninterest expense to average assets | 3.2318% | 1,499 |
| Loan and lease loss provision to assets | 0.1291% | 1,461 |
| Net operating income to assets | 0.3923% | 4,940 |
| Return on assets (ROA) | 0.3950% | 4,938 |
| Pretax return on assets | 0.6507% | 4,568 |
| Return on Equity (ROE) | 5.1082% | 4,449 |
| Retained earnings to average equity (ytd only) | 1.9921% | 4,350 |
| Net charge-offs to loans | 0.0553% | 1,553 |
| Credit loss provision to net charge-offs | 272.7273% | 874 |
| Earnings coverage of net charge-offs (x) | 16.4000% | 1,626 |
| Efficiency ratio | 80.6313% | 1,074 |
| Assets per employee ($millions) | 3.3061% | 4,896 |
| Cash dividends to net income (ytd only)* | 61.0022% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0442% | 3,699 |
| Loan loss allowance to noncurrent loans | 385.1301% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.2709% | 3,784 |
| Noncurrent loans to loans | 0.2711% | 3,800 |
| Net loans and leases to total assets | 84.2458% | 416 |
| Net loans and leases to deposits | 92.5335% | 1,381 |
| Net loans and leases to core deposits | 92.8641% | 2,225 |
| Total domestic deposits to total assets | 91.0436% | 304 |
| Equity capital to assets | 7.7271% | 5,358 |
| Core capital (leverage) ratio | 8.2211% | 5,302 |
| Tier 1 risk-based capital ratio | 10.1237% | 5,465 |
| Total risk-based capital ratio | 11.3101% | 5,422 |
| Memoranda: | ||
| Average total assets | $464,760,500 | 1,528 |
| Average earning assets | $435,219,000 | 1,510 |
| Average equity | $35,942,500 | 2,046 |
| Average total loans | $398,170,000 | 1,265 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6319% | 4,501 |
| Cost of funding earning assets | 0.0783% | 5,554 |
| Net interest margin | 3.5536% | 3,325 |
| Noninterest income to average assets | 0.6537% | 2,178 |
| Noninterest expense to average assets | 3.1882% | 1,636 |
| Loan and lease loss provision to assets | 0.1296% | 1,769 |
| Net operating income to assets | 0.4731% | 4,448 |
| Return on assets (ROA) | 0.4725% | 4,483 |
| Pretax return on assets | 0.6569% | 4,613 |
| Return on Equity (ROE) | 6.2268% | 3,663 |
| Retained earnings to average equity (ytd only) | 2.9085% | 3,566 |
| Net charge-offs to loans | 0.1175% | 1,870 |
| Credit loss provision to net charge-offs | 129.0323% | 2,035 |
| Earnings coverage of net charge-offs (x) | 7.8409% | 2,986 |
| Efficiency ratio | 80.1945% | 1,084 |
| Assets per employee ($millions) | 3.3097% | 4,927 |
| Cash dividends to net income (ytd only)* | 53.2907% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 3,856 |
| Loan loss allowance to noncurrent loans | 377.3532% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.2702% | 3,805 |
| Noncurrent loans to loans | 0.2686% | 3,824 |
| Net loans and leases to total assets | 85.3389% | 308 |
| Net loans and leases to deposits | 93.7234% | 1,303 |
| Net loans and leases to core deposits | 93.8371% | 2,209 |
| Total domestic deposits to total assets | 91.0539% | 228 |
| Equity capital to assets | 7.7401% | 5,473 |
| Core capital (leverage) ratio | 8.2022% | 5,351 |
| Tier 1 risk-based capital ratio | 9.9934% | 5,537 |
| Total risk-based capital ratio | 11.1416% | 5,514 |
| Memoranda: | ||
| Average total assets | $463,058,200 | 1,502 |
| Average earning assets | $432,853,400 | 1,496 |
| Average equity | $35,138,200 | 2,072 |
| Average total loans | $395,578,200 | 1,244 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5527% | 4,680 |
| Cost of funding earning assets | 0.0742% | 5,629 |
| Net interest margin | 3.4785% | 3,573 |
| Noninterest income to average assets | 0.6117% | 2,414 |
| Noninterest expense to average assets | 3.0540% | 1,941 |
| Loan and lease loss provision to assets | 0.1296% | 1,672 |
| Net operating income to assets | 0.4365% | 4,911 |
| Return on assets (ROA) | 0.4357% | 4,946 |
| Pretax return on assets | 0.6799% | 4,656 |
| Return on Equity (ROE) | 5.7708% | 4,217 |
| Retained earnings to average equity (ytd only) | 2.5669% | 4,349 |
| Net charge-offs to loans | 0.0551% | 2,348 |
| Credit loss provision to net charge-offs | 276.0736% | 1,056 |
| Earnings coverage of net charge-offs (x) | 17.2698% | 2,109 |
| Efficiency ratio | 79.0238% | 1,211 |
| Assets per employee ($millions) | 3.5818% | 4,600 |
| Cash dividends to net income (ytd only)* | 55.5188% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0373% | 3,862 |
| Loan loss allowance to noncurrent loans | 310.2659% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.3395% | 3,692 |
| Noncurrent loans to loans | 0.3343% | 3,754 |
| Net loans and leases to total assets | 82.2772% | 636 |
| Net loans and leases to deposits | 91.9374% | 1,577 |
| Net loans and leases to core deposits | 92.1119% | 2,426 |
| Total domestic deposits to total assets | 89.4926% | 659 |
| Equity capital to assets | 7.2470% | 5,641 |
| Core capital (leverage) ratio | 8.0946% | 5,479 |
| Tier 1 risk-based capital ratio | 9.6551% | 5,657 |
| Total risk-based capital ratio | 10.8317% | 5,638 |
| Memoranda: | ||
| Average total assets | $462,984,250 | 1,511 |
| Average earning assets | $432,972,750 | 1,504 |
| Average equity | $34,956,750 | 2,084 |
| Average total loans | $394,605,250 | 1,254 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5655% | 4,600 |
| Cost of funding earning assets | 0.0709% | 5,679 |
| Net interest margin | 3.4946% | 3,421 |
| Noninterest income to average assets | 0.6278% | 2,328 |
| Noninterest expense to average assets | 3.1099% | 1,815 |
| Loan and lease loss provision to assets | 0.1319% | 1,585 |
| Net operating income to assets | 0.4346% | 4,884 |
| Return on assets (ROA) | 0.4335% | 4,915 |
| Pretax return on assets | 0.6555% | 4,669 |
| Return on Equity (ROE) | 5.6599% | 4,199 |
| Retained earnings to average equity (ytd only) | 2.4453% | 4,220 |
| Net charge-offs to loans | 0.0414% | 2,366 |
| Credit loss provision to net charge-offs | 370.3704% | 838 |
| Earnings coverage of net charge-offs (x) | 22.1605% | 1,721 |
| Efficiency ratio | 79.7610% | 1,233 |
| Assets per employee ($millions) | 3.3628% | 4,906 |
| Cash dividends to net income (ytd only)* | 56.7951% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0609% | 3,788 |
| Loan loss allowance to noncurrent loans | 338.7705% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.3306% | 3,805 |
| Noncurrent loans to loans | 0.3132% | 3,915 |
| Net loans and leases to total assets | 84.2780% | 416 |
| Net loans and leases to deposits | 92.5517% | 1,423 |
| Net loans and leases to core deposits | 92.7218% | 2,277 |
| Total domestic deposits to total assets | 91.0605% | 209 |
| Equity capital to assets | 7.6781% | 5,624 |
| Core capital (leverage) ratio | 8.2061% | 5,424 |
| Tier 1 risk-based capital ratio | 10.0236% | 5,622 |
| Total risk-based capital ratio | 11.2249% | 5,592 |
| Memoranda: | ||
| Average total assets | $454,938,000 | 1,544 |
| Average earning assets | $425,854,000 | 1,533 |
| Average equity | $34,841,670 | 2,087 |
| Average total loans | $391,143,000 | 1,267 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5493% | 4,555 |
| Cost of funding earning assets | 0.0714% | 5,741 |
| Net interest margin | 3.4779% | 3,364 |
| Noninterest income to average assets | 0.5721% | 2,550 |
| Noninterest expense to average assets | 3.1155% | 1,823 |
| Loan and lease loss provision to assets | 0.1322% | 1,445 |
| Net operating income to assets | 0.4301% | 4,860 |
| Return on assets (ROA) | 0.4276% | 4,885 |
| Pretax return on assets | 0.5827% | 4,770 |
| Return on Equity (ROE) | 5.5900% | 4,097 |
| Retained earnings to average equity (ytd only) | 2.3628% | 4,196 |
| Net charge-offs to loans | 0.0725% | 1,604 |
| Credit loss provision to net charge-offs | 211.2676% | 982 |
| Earnings coverage of net charge-offs (x) | 11.4789% | 1,889 |
| Efficiency ratio | 81.2601% | 1,223 |
| Assets per employee ($millions) | 3.4758% | 4,827 |
| Cash dividends to net income (ytd only)* | 57.7320% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0255% | 4,127 |
| Loan loss allowance to noncurrent loans | 331.9202% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.3073% | 3,961 |
| Noncurrent loans to loans | 0.3090% | 4,016 |
| Net loans and leases to total assets | 83.9989% | 367 |
| Net loans and leases to deposits | 92.1310% | 1,318 |
| Net loans and leases to core deposits | 92.4112% | 2,125 |
| Total domestic deposits to total assets | 91.1733% | 253 |
| Equity capital to assets | 7.5920% | 5,661 |
| Core capital (leverage) ratio | 8.2135% | 5,437 |
| Tier 1 risk-based capital ratio | 10.0169% | 5,690 |
| Total risk-based capital ratio | 11.1798% | 5,688 |
| Memoranda: | ||
| Average total assets | $453,737,500 | 1,555 |
| Average earning assets | $425,543,500 | 1,541 |
| Average equity | $34,705,000 | 2,095 |
| Average total loans | $391,930,000 | 1,269 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5527% | 4,635 |
| Cost of funding earning assets | 0.0692% | 5,807 |
| Net interest margin | 3.4835% | 3,497 |
| Noninterest income to average assets | 0.5750% | 2,787 |
| Noninterest expense to average assets | 3.0457% | 2,197 |
| Loan and lease loss provision to assets | 0.1342% | 1,858 |
| Net operating income to assets | 0.4611% | 4,766 |
| Return on assets (ROA) | 0.4611% | 4,847 |
| Pretax return on assets | 0.6703% | 4,587 |
| Return on Equity (ROE) | 6.0568% | 3,957 |
| Retained earnings to average equity (ytd only) | 2.6302% | 4,023 |
| Net charge-offs to loans | 0.1828% | 1,515 |
| Credit loss provision to net charge-offs | 85.2273% | 2,892 |
| Earnings coverage of net charge-offs (x) | 5.1080% | 3,389 |
| Efficiency ratio | 79.1040% | 1,543 |
| Assets per employee ($millions) | 3.3235% | 5,013 |
| Cash dividends to net income (ytd only)* | 56.5745% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 4,383 |
| Loan loss allowance to noncurrent loans | 218.1717% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.4444% | 3,485 |
| Noncurrent loans to loans | 0.4548% | 3,522 |
| Net loans and leases to total assets | 87.0488% | 181 |
| Net loans and leases to deposits | 96.7202% | 934 |
| Net loans and leases to core deposits | 97.0548% | 1,831 |
| Total domestic deposits to total assets | 90.0006% | 624 |
| Equity capital to assets | 7.7067% | 5,663 |
| Core capital (leverage) ratio | 8.1656% | 5,523 |
| Tier 1 risk-based capital ratio | 9.8228% | 5,779 |
| Total risk-based capital ratio | 10.9449% | 5,778 |
| Memoranda: | ||
| Average total assets | $446,959,400 | 1,521 |
| Average earning assets | $420,242,800 | 1,499 |
| Average equity | $34,027,600 | 2,130 |
| Average total loans | $385,085,400 | 1,238 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4820% | 4,863 |
| Cost of funding earning assets | 0.0705% | 5,873 |
| Net interest margin | 3.4115% | 3,803 |
| Noninterest income to average assets | 0.5805% | 2,764 |
| Noninterest expense to average assets | 2.9417% | 2,493 |
| Loan and lease loss provision to assets | 0.1344% | 1,747 |
| Net operating income to assets | 0.4234% | 4,951 |
| Return on assets (ROA) | 0.4234% | 5,041 |
| Pretax return on assets | 0.7115% | 4,580 |
| Return on Equity (ROE) | 5.5787% | 4,275 |
| Retained earnings to average equity (ytd only) | 2.2779% | 4,557 |
| Net charge-offs to loans | 0.1752% | 1,319 |
| Credit loss provision to net charge-offs | 89.4632% | 2,534 |
| Earnings coverage of net charge-offs (x) | 5.6322% | 3,101 |
| Efficiency ratio | 77.6665% | 1,735 |
| Assets per employee ($millions) | 3.3382% | 4,998 |
| Cash dividends to net income (ytd only)* | 59.1679% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0320% | 4,229 |
| Loan loss allowance to noncurrent loans | 186.0629% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.4560% | 3,593 |
| Noncurrent loans to loans | 0.5547% | 3,332 |
| Net loans and leases to total assets | 81.3586% | 711 |
| Net loans and leases to deposits | 88.9505% | 1,894 |
| Net loans and leases to core deposits | 89.4820% | 2,628 |
| Total domestic deposits to total assets | 91.4650% | 121 |
| Equity capital to assets | 7.3162% | 5,861 |
| Core capital (leverage) ratio | 8.2101% | 5,565 |
| Tier 1 risk-based capital ratio | 10.0194% | 5,788 |
| Total risk-based capital ratio | 11.1854% | 5,768 |
| Memoranda: | ||
| Average total assets | $446,530,250 | 1,519 |
| Average earning assets | $419,787,250 | 1,500 |
| Average equity | $33,890,000 | 2,152 |
| Average total loans | $382,736,500 | 1,235 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5117% | 4,836 |
| Cost of funding earning assets | 0.0714% | 5,951 |
| Net interest margin | 3.4403% | 3,727 |
| Noninterest income to average assets | 0.5678% | 2,805 |
| Noninterest expense to average assets | 2.9518% | 2,511 |
| Loan and lease loss provision to assets | 0.1365% | 1,662 |
| Net operating income to assets | 0.4313% | 4,936 |
| Return on assets (ROA) | 0.4313% | 5,023 |
| Pretax return on assets | 0.7252% | 4,544 |
| Return on Equity (ROE) | 5.6112% | 4,242 |
| Retained earnings to average equity (ytd only) | 2.2966% | 4,413 |
| Net charge-offs to loans | 0.2119% | 1,108 |
| Credit loss provision to net charge-offs | 74.0741% | 2,437 |
| Earnings coverage of net charge-offs (x) | 4.6765% | 2,960 |
| Efficiency ratio | 77.4040% | 1,869 |
| Assets per employee ($millions) | 3.2194% | 5,180 |
| Cash dividends to net income (ytd only)* | 59.0717% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0275% | 4,361 |
| Loan loss allowance to noncurrent loans | 275.2461% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.3602% | 4,040 |
| Noncurrent loans to loans | 0.3733% | 4,028 |
| Net loans and leases to total assets | 86.1039% | 245 |
| Net loans and leases to deposits | 94.5464% | 1,232 |
| Net loans and leases to core deposits | 95.2056% | 2,050 |
| Total domestic deposits to total assets | 91.0705% | 183 |
| Equity capital to assets | 7.7702% | 5,866 |
| Core capital (leverage) ratio | 8.2484% | 5,574 |
| Tier 1 risk-based capital ratio | 10.1051% | 5,817 |
| Total risk-based capital ratio | 11.2715% | 5,796 |
| Memoranda: | ||
| Average total assets | $439,591,670 | 1,545 |
| Average earning assets | $414,732,330 | 1,520 |
| Average equity | $33,789,330 | 2,159 |
| Average total loans | $382,251,670 | 1,241 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5034% | 4,880 |
| Cost of funding earning assets | 0.0770% | 5,995 |
| Net interest margin | 3.4264% | 3,783 |
| Noninterest income to average assets | 0.5476% | 2,820 |
| Noninterest expense to average assets | 2.9423% | 2,564 |
| Loan and lease loss provision to assets | 0.1362% | 1,539 |
| Net operating income to assets | 0.4186% | 4,934 |
| Return on assets (ROA) | 0.4186% | 5,011 |
| Pretax return on assets | 0.7038% | 4,514 |
| Return on Equity (ROE) | 5.4761% | 4,241 |
| Retained earnings to average equity (ytd only) | 2.1501% | 4,398 |
| Net charge-offs to loans | 0.3677% | 602 |
| Credit loss provision to net charge-offs | 42.6136% | 2,126 |
| Earnings coverage of net charge-offs (x) | 2.6278% | 2,655 |
| Efficiency ratio | 77.7911% | 1,924 |
| Assets per employee ($millions) | 3.3184% | 5,096 |
| Cash dividends to net income (ytd only)* | 60.7375% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9976% | 4,626 |
| Loan loss allowance to noncurrent loans | 267.0399% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.3587% | 4,135 |
| Noncurrent loans to loans | 0.3736% | 4,096 |
| Net loans and leases to total assets | 85.8020% | 229 |
| Net loans and leases to deposits | 95.2360% | 1,019 |
| Net loans and leases to core deposits | 96.3408% | 1,763 |
| Total domestic deposits to total assets | 90.0941% | 565 |
| Equity capital to assets | 7.6527% | 5,917 |
| Core capital (leverage) ratio | 8.1340% | 5,697 |
| Tier 1 risk-based capital ratio | 9.7902% | 5,952 |
| Total risk-based capital ratio | 10.9037% | 5,957 |
| Memoranda: | ||
| Average total assets | $440,466,500 | 1,546 |
| Average earning assets | $415,830,500 | 1,522 |
| Average equity | $33,673,500 | 2,166 |
| Average total loans | $382,921,000 | 1,238 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5095% | 4,894 |
| Cost of funding earning assets | 0.0661% | 6,077 |
| Net interest margin | 3.4433% | 3,743 |
| Noninterest income to average assets | 0.6197% | 2,619 |
| Noninterest expense to average assets | 3.0221% | 2,473 |
| Loan and lease loss provision to assets | 0.1369% | 1,733 |
| Net operating income to assets | 0.4914% | 4,726 |
| Return on assets (ROA) | 0.4952% | 4,804 |
| Pretax return on assets | 0.7208% | 4,470 |
| Return on Equity (ROE) | 6.6168% | 3,720 |
| Retained earnings to average equity (ytd only) | 3.2047% | 3,775 |
| Net charge-offs to loans | 0.1591% | 1,788 |
| Credit loss provision to net charge-offs | 103.6269% | 2,420 |
| Earnings coverage of net charge-offs (x) | 6.4508% | 3,226 |
| Efficiency ratio | 78.0022% | 1,967 |
| Assets per employee ($millions) | 3.2805% | 5,178 |
| Cash dividends to net income (ytd only)* | 51.5668% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0481% | 4,334 |
| Loan loss allowance to noncurrent loans | 274.0791% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.3647% | 4,128 |
| Noncurrent loans to loans | 0.3824% | 4,080 |
| Net loans and leases to total assets | 86.2910% | 211 |
| Net loans and leases to deposits | 95.8342% | 1,032 |
| Net loans and leases to core deposits | 96.8343% | 1,764 |
| Total domestic deposits to total assets | 90.0420% | 613 |
| Equity capital to assets | 7.6372% | 5,959 |
| Core capital (leverage) ratio | 7.9449% | 5,864 |
| Tier 1 risk-based capital ratio | 9.7111% | 6,017 |
| Total risk-based capital ratio | 10.8748% | 6,016 |
| Memoranda: | ||
| Average total assets | $438,242,200 | 1,521 |
| Average earning assets | $414,221,600 | 1,489 |
| Average equity | $32,795,400 | 2,157 |
| Average total loans | $364,004,200 | 1,250 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3996% | 5,206 |
| Cost of funding earning assets | 0.0625% | 6,176 |
| Net interest margin | 3.3371% | 4,191 |
| Noninterest income to average assets | 0.6324% | 2,572 |
| Noninterest expense to average assets | 2.9025% | 2,844 |
| Loan and lease loss provision to assets | 0.1370% | 1,630 |
| Net operating income to assets | 0.4372% | 5,018 |
| Return on assets (ROA) | 0.4372% | 5,117 |
| Pretax return on assets | 0.7475% | 4,505 |
| Return on Equity (ROE) | 5.8728% | 4,210 |
| Retained earnings to average equity (ytd only) | 2.4416% | 4,652 |
| Net charge-offs to loans | 0.1633% | 1,521 |
| Credit loss provision to net charge-offs | 102.2727% | 2,218 |
| Earnings coverage of net charge-offs (x) | 6.6023% | 3,026 |
| Efficiency ratio | 76.6442% | 2,138 |
| Assets per employee ($millions) | 3.3072% | 5,112 |
| Cash dividends to net income (ytd only)* | 58.4262% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0903% | 4,285 |
| Loan loss allowance to noncurrent loans | 254.5743% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.3400% | 4,414 |
| Noncurrent loans to loans | 0.4283% | 4,068 |
| Net loans and leases to total assets | 78.5107% | 1,023 |
| Net loans and leases to deposits | 85.4883% | 2,209 |
| Net loans and leases to core deposits | 86.3178% | 2,819 |
| Total domestic deposits to total assets | 91.8379% | 112 |
| Equity capital to assets | 7.1504% | 6,130 |
| Core capital (leverage) ratio | 8.1092% | 5,836 |
| Tier 1 risk-based capital ratio | 9.9221% | 6,066 |
| Total risk-based capital ratio | 11.1330% | 6,037 |
| Memoranda: | ||
| Average total assets | $437,905,750 | 1,534 |
| Average earning assets | $413,963,750 | 1,502 |
| Average equity | $32,601,250 | 2,181 |
| Average total loans | $359,169,500 | 1,266 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4602% | 5,082 |
| Cost of funding earning assets | 0.0626% | 6,248 |
| Net interest margin | 3.3976% | 3,917 |
| Noninterest income to average assets | 0.6230% | 2,612 |
| Noninterest expense to average assets | 2.9930% | 2,572 |
| Loan and lease loss provision to assets | 0.1397% | 1,562 |
| Net operating income to assets | 0.4097% | 5,110 |
| Return on assets (ROA) | 0.4097% | 5,213 |
| Pretax return on assets | 0.7008% | 4,648 |
| Return on Equity (ROE) | 5.4266% | 4,412 |
| Retained earnings to average equity (ytd only) | 0.2528% | 5,430 |
| Net charge-offs to loans | 0.0561% | 2,605 |
| Credit loss provision to net charge-offs | 300.0000% | 927 |
| Earnings coverage of net charge-offs (x) | 18.0500% | 1,825 |
| Efficiency ratio | 78.0760% | 2,060 |
| Assets per employee ($millions) | 3.0795% | 5,498 |
| Cash dividends to net income (ytd only)* | 95.3409% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2109% | 3,727 |
| Loan loss allowance to noncurrent loans | 230.6044% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.4221% | 4,227 |
| Noncurrent loans to loans | 0.5251% | 3,883 |
| Net loans and leases to total assets | 79.4216% | 880 |
| Net loans and leases to deposits | 86.9108% | 1,947 |
| Net loans and leases to core deposits | 88.0322% | 2,550 |
| Total domestic deposits to total assets | 91.3829% | 214 |
| Equity capital to assets | 7.5267% | 6,112 |
| Core capital (leverage) ratio | 8.1540% | 5,828 |
| Tier 1 risk-based capital ratio | 10.3684% | 5,968 |
| Total risk-based capital ratio | 11.6194% | 5,908 |
| Memoranda: | ||
| Average total assets | $429,538,670 | 1,568 |
| Average earning assets | $405,873,330 | 1,530 |
| Average equity | $32,432,670 | 2,200 |
| Average total loans | $356,387,000 | 1,277 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5039% | 4,952 |
| Cost of funding earning assets | 0.0641% | 6,315 |
| Net interest margin | 3.4398% | 3,671 |
| Noninterest income to average assets | 0.6102% | 2,593 |
| Noninterest expense to average assets | 3.0312% | 2,480 |
| Loan and lease loss provision to assets | 0.1399% | 1,468 |
| Net operating income to assets | 0.4068% | 5,048 |
| Return on assets (ROA) | 0.4068% | 5,158 |
| Pretax return on assets | 0.6951% | 4,609 |
| Return on Equity (ROE) | 5.3787% | 4,340 |
| Retained earnings to average equity (ytd only) | -1.5297% | 5,621 |
| Net charge-offs to loans | 0.0498% | 2,288 |
| Credit loss provision to net charge-offs | 333.3333% | 749 |
| Earnings coverage of net charge-offs (x) | 19.8889% | 1,434 |
| Efficiency ratio | 78.4025% | 2,129 |
| Assets per employee ($millions) | 3.2066% | 5,402 |
| Cash dividends to net income (ytd only)* | 128.4404% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 4,220 |
| Loan loss allowance to noncurrent loans | 229.8767% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.4152% | 4,368 |
| Noncurrent loans to loans | 0.5036% | 4,069 |
| Net loans and leases to total assets | 81.4824% | 519 |
| Net loans and leases to deposits | 89.2085% | 1,478 |
| Net loans and leases to core deposits | 90.5541% | 2,082 |
| Total domestic deposits to total assets | 91.3393% | 268 |
| Equity capital to assets | 7.5355% | 6,171 |
| Core capital (leverage) ratio | 7.9689% | 5,958 |
| Tier 1 risk-based capital ratio | 10.1399% | 6,131 |
| Total risk-based capital ratio | 11.3901% | 6,077 |
| Memoranda: | ||
| Average total assets | $428,742,500 | 1,580 |
| Average earning assets | $405,834,000 | 1,537 |
| Average equity | $32,424,000 | 2,213 |
| Average total loans | $361,276,500 | 1,268 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6779% | 4,857 |
| Cost of funding earning assets | 0.0612% | 6,417 |
| Net interest margin | 3.6167% | 3,348 |
| Noninterest income to average assets | 0.5915% | 2,907 |
| Noninterest expense to average assets | 3.0383% | 2,729 |
| Loan and lease loss provision to assets | 0.1240% | 2,113 |
| Net operating income to assets | 0.5476% | 4,607 |
| Return on assets (ROA) | 0.5688% | 4,598 |
| Pretax return on assets | 0.8503% | 4,075 |
| Return on Equity (ROE) | 7.3982% | 3,416 |
| Retained earnings to average equity (ytd only) | 3.7371% | 3,557 |
| Net charge-offs to loans | 0.0523% | 3,789 |
| Credit loss provision to net charge-offs | 284.9462% | 894 |
| Earnings coverage of net charge-offs (x) | 21.6613% | 1,666 |
| Efficiency ratio | 76.3195% | 2,463 |
| Assets per employee ($millions) | 3.2409% | 5,366 |
| Cash dividends to net income (ytd only)* | 49.4858% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0852% | 4,614 |
| Loan loss allowance to noncurrent loans | 220.8287% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.4231% | 4,409 |
| Noncurrent loans to loans | 0.4914% | 4,186 |
| Net loans and leases to total assets | 85.1654% | 267 |
| Net loans and leases to deposits | 95.8348% | 909 |
| Net loans and leases to core deposits | 97.1806% | 1,620 |
| Total domestic deposits to total assets | 88.8669% | 1,308 |
| Equity capital to assets | 7.5898% | 6,211 |
| Core capital (leverage) ratio | 8.0615% | 5,957 |
| Tier 1 risk-based capital ratio | 9.8887% | 6,284 |
| Total risk-based capital ratio | 11.1118% | 6,252 |
| Memoranda: | ||
| Average total assets | $427,383,200 | 1,556 |
| Average earning assets | $400,531,000 | 1,527 |
| Average equity | $32,859,400 | 2,119 |
| Average total loans | $355,787,400 | 1,243 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6310% | 5,062 |
| Cost of funding earning assets | 0.0588% | 6,508 |
| Net interest margin | 3.5723% | 3,542 |
| Noninterest income to average assets | 0.5829% | 2,976 |
| Noninterest expense to average assets | 2.9395% | 2,994 |
| Loan and lease loss provision to assets | 0.1279% | 1,959 |
| Net operating income to assets | 0.4973% | 4,882 |
| Return on assets (ROA) | 0.5242% | 4,853 |
| Pretax return on assets | 0.8962% | 4,005 |
| Return on Equity (ROE) | 6.7966% | 3,808 |
| Retained earnings to average equity (ytd only) | 3.4023% | 4,203 |
| Net charge-offs to loans | 0.0465% | 3,567 |
| Credit loss provision to net charge-offs | 333.3333% | 836 |
| Earnings coverage of net charge-offs (x) | 25.5848% | 1,506 |
| Efficiency ratio | 74.9582% | 2,668 |
| Assets per employee ($millions) | 3.1500% | 5,516 |
| Cash dividends to net income (ytd only)* | 49.9406% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0685% | 4,890 |
| Loan loss allowance to noncurrent loans | 218.2825% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.4217% | 4,653 |
| Noncurrent loans to loans | 0.4895% | 4,446 |
| Net loans and leases to total assets | 79.8727% | 725 |
| Net loans and leases to deposits | 89.1583% | 1,531 |
| Net loans and leases to core deposits | 90.3999% | 2,183 |
| Total domestic deposits to total assets | 89.5853% | 945 |
| Equity capital to assets | 7.3161% | 6,338 |
| Core capital (leverage) ratio | 8.0432% | 6,036 |
| Tier 1 risk-based capital ratio | 9.5994% | 6,424 |
| Total risk-based capital ratio | 10.7817% | 6,405 |
| Memoranda: | ||
| Average total assets | $427,279,750 | 1,565 |
| Average earning assets | $399,327,000 | 1,543 |
| Average equity | $32,957,000 | 2,115 |
| Average total loans | $352,651,250 | 1,259 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6625% | 4,970 |
| Cost of funding earning assets | 0.0581% | 6,569 |
| Net interest margin | 3.6044% | 3,345 |
| Noninterest income to average assets | 0.5577% | 3,065 |
| Noninterest expense to average assets | 3.0135% | 2,787 |
| Loan and lease loss provision to assets | 0.1150% | 2,117 |
| Net operating income to assets | 0.4755% | 4,912 |
| Return on assets (ROA) | 0.5169% | 4,835 |
| Pretax return on assets | 0.8839% | 3,949 |
| Return on Equity (ROE) | 6.5785% | 3,848 |
| Retained earnings to average equity (ytd only) | 3.1642% | 4,188 |
| Net charge-offs to loans | 0.0363% | 3,492 |
| Credit loss provision to net charge-offs | 380.9524% | 721 |
| Earnings coverage of net charge-offs (x) | 30.9524% | 1,229 |
| Efficiency ratio | 76.3350% | 2,565 |
| Assets per employee ($millions) | 2.9622% | 5,804 |
| Cash dividends to net income (ytd only)* | 51.8999% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 4,980 |
| Loan loss allowance to noncurrent loans | 228.2479% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.4272% | 4,727 |
| Noncurrent loans to loans | 0.4737% | 4,580 |
| Net loans and leases to total assets | 83.3077% | 355 |
| Net loans and leases to deposits | 91.3612% | 1,231 |
| Net loans and leases to core deposits | 92.8756% | 1,873 |
| Total domestic deposits to total assets | 91.1850% | 350 |
| Equity capital to assets | 7.8623% | 6,232 |
| Core capital (leverage) ratio | 8.1280% | 5,999 |
| Tier 1 risk-based capital ratio | 9.9784% | 6,405 |
| Total risk-based capital ratio | 11.1854% | 6,377 |
| Memoranda: | ||
| Average total assets | $417,457,000 | 1,600 |
| Average earning assets | $392,627,670 | 1,566 |
| Average equity | $32,804,000 | 2,112 |
| Average total loans | $347,282,670 | 1,268 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6574% | 4,987 |
| Cost of funding earning assets | 0.0594% | 6,648 |
| Net interest margin | 3.5979% | 3,254 |
| Noninterest income to average assets | 0.5694% | 2,925 |
| Noninterest expense to average assets | 3.0298% | 2,769 |
| Loan and lease loss provision to assets | 0.1154% | 2,033 |
| Net operating income to assets | 0.4694% | 4,844 |
| Return on assets (ROA) | 0.4694% | 4,918 |
| Pretax return on assets | 0.8022% | 4,106 |
| Return on Equity (ROE) | 5.9748% | 4,039 |
| Retained earnings to average equity (ytd only) | 2.5466% | 4,540 |
| Net charge-offs to loans | 0.0081% | 3,470 |
| Credit loss provision to net charge-offs | 1,714.2857% | 198 |
| Earnings coverage of net charge-offs (x) | 136.2857% | 364 |
| Efficiency ratio | 76.7544% | 2,678 |
| Assets per employee ($millions) | 3.0056% | 5,850 |
| Cash dividends to net income (ytd only)* | 57.3770% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0897% | 5,159 |
| Loan loss allowance to noncurrent loans | 203.5676% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.4706% | 4,729 |
| Noncurrent loans to loans | 0.5353% | 4,568 |
| Net loans and leases to total assets | 81.8258% | 370 |
| Net loans and leases to deposits | 89.7821% | 1,177 |
| Net loans and leases to core deposits | 91.4284% | 1,785 |
| Total domestic deposits to total assets | 91.1383% | 512 |
| Equity capital to assets | 7.8514% | 6,145 |
| Core capital (leverage) ratio | 8.1022% | 6,037 |
| Tier 1 risk-based capital ratio | 10.1343% | 6,444 |
| Total risk-based capital ratio | 11.3727% | 6,411 |
| Memoranda: | ||
| Average total assets | $415,872,500 | 1,613 |
| Average earning assets | $390,446,500 | 1,581 |
| Average equity | $32,670,500 | 2,111 |
| Average total loans | $343,802,000 | 1,277 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5922% | 5,424 |
| Cost of funding earning assets | 0.0725% | 6,724 |
| Net interest margin | 3.5198% | 3,809 |
| Noninterest income to average assets | 0.8074% | 2,051 |
| Noninterest expense to average assets | 3.2349% | 2,323 |
| Loan and lease loss provision to assets | 0.0876% | 3,352 |
| Net operating income to assets | 0.5749% | 4,380 |
| Return on assets (ROA) | 0.5749% | 4,497 |
| Pretax return on assets | 0.7817% | 4,218 |
| Return on Equity (ROE) | 7.8659% | 3,107 |
| Retained earnings to average equity (ytd only) | 3.8614% | 3,452 |
| Net charge-offs to loans | 0.1066% | 3,764 |
| Credit loss provision to net charge-offs | 104.6512% | 2,310 |
| Earnings coverage of net charge-offs (x) | 10.3866% | 2,378 |
| Efficiency ratio | 78.8204% | 2,347 |
| Assets per employee ($millions) | 2.9569% | 5,900 |
| Cash dividends to net income (ytd only)* | 50.9099% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0682% | 5,284 |
| Loan loss allowance to noncurrent loans | 228.4553% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.4138% | 5,014 |
| Noncurrent loans to loans | 0.4676% | 4,829 |
| Net loans and leases to total assets | 81.7299% | 435 |
| Net loans and leases to deposits | 90.9161% | 1,162 |
| Net loans and leases to core deposits | 92.4269% | 1,744 |
| Total domestic deposits to total assets | 89.8959% | 1,132 |
| Equity capital to assets | 7.8605% | 6,111 |
| Core capital (leverage) ratio | 8.1634% | 6,005 |
| Tier 1 risk-based capital ratio | 10.1751% | 6,464 |
| Total risk-based capital ratio | 11.3875% | 6,436 |
| Memoranda: | ||
| Average total assets | $411,050,400 | 1,606 |
| Average earning assets | $384,997,800 | 1,568 |
| Average equity | $30,041,200 | 2,249 |
| Average total loans | $322,571,800 | 1,323 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5294% | 5,617 |
| Cost of funding earning assets | 0.0750% | 6,806 |
| Net interest margin | 3.4544% | 4,074 |
| Noninterest income to average assets | 0.7987% | 2,155 |
| Noninterest expense to average assets | 3.0385% | 2,861 |
| Loan and lease loss provision to assets | 0.0877% | 3,306 |
| Net operating income to assets | 0.5495% | 4,589 |
| Return on assets (ROA) | 0.5495% | 4,732 |
| Pretax return on assets | 0.9059% | 3,857 |
| Return on Equity (ROE) | 7.6644% | 3,302 |
| Retained earnings to average equity (ytd only) | 3.8617% | 3,935 |
| Net charge-offs to loans | 0.0986% | 3,571 |
| Credit loss provision to net charge-offs | 114.8936% | 2,048 |
| Earnings coverage of net charge-offs (x) | 13.0126% | 2,074 |
| Efficiency ratio | 75.3566% | 2,837 |
| Assets per employee ($millions) | 2.9909% | 5,864 |
| Cash dividends to net income (ytd only)* | 49.6157% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1087% | 5,290 |
| Loan loss allowance to noncurrent loans | 212.6230% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.4380% | 5,114 |
| Noncurrent loans to loans | 0.5215% | 4,893 |
| Net loans and leases to total assets | 78.7804% | 670 |
| Net loans and leases to deposits | 86.2916% | 1,581 |
| Net loans and leases to core deposits | 87.6965% | 2,224 |
| Total domestic deposits to total assets | 91.2955% | 424 |
| Equity capital to assets | 7.1520% | 6,504 |
| Core capital (leverage) ratio | 8.1102% | 6,143 |
| Tier 1 risk-based capital ratio | 10.3759% | 6,488 |
| Total risk-based capital ratio | 11.6237% | 6,456 |
| Memoranda: | ||
| Average total assets | $410,320,250 | 1,618 |
| Average earning assets | $384,078,250 | 1,584 |
| Average equity | $29,416,500 | 2,311 |
| Average total loans | $317,717,000 | 1,341 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5450% | 5,595 |
| Cost of funding earning assets | 0.0800% | 6,851 |
| Net interest margin | 3.4649% | 3,944 |
| Noninterest income to average assets | 0.7956% | 2,207 |
| Noninterest expense to average assets | 3.0505% | 2,836 |
| Loan and lease loss provision to assets | 0.0881% | 3,317 |
| Net operating income to assets | 0.5312% | 4,660 |
| Return on assets (ROA) | 0.5312% | 4,825 |
| Pretax return on assets | 0.8993% | 3,912 |
| Return on Equity (ROE) | 7.4034% | 3,394 |
| Retained earnings to average equity (ytd only) | 3.5823% | 4,038 |
| Net charge-offs to loans | 0.0939% | 3,425 |
| Credit loss provision to net charge-offs | 122.4490% | 1,827 |
| Earnings coverage of net charge-offs (x) | 13.7211% | 1,878 |
| Efficiency ratio | 75.5456% | 2,852 |
| Assets per employee ($millions) | 3.0091% | 5,840 |
| Cash dividends to net income (ytd only)* | 51.6129% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1757% | 5,118 |
| Loan loss allowance to noncurrent loans | 237.3868% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.3921% | 5,307 |
| Noncurrent loans to loans | 0.4953% | 5,026 |
| Net loans and leases to total assets | 73.7525% | 1,290 |
| Net loans and leases to deposits | 80.6045% | 2,233 |
| Net loans and leases to core deposits | 82.2588% | 2,775 |
| Total domestic deposits to total assets | 91.4992% | 382 |
| Equity capital to assets | 7.0648% | 6,590 |
| Core capital (leverage) ratio | 8.0901% | 6,116 |
| Tier 1 risk-based capital ratio | 10.8131% | 6,410 |
| Total risk-based capital ratio | 12.0803% | 6,375 |
| Memoranda: | ||
| Average total assets | $408,517,330 | 1,628 |
| Average earning assets | $382,287,670 | 1,589 |
| Average equity | $29,311,000 | 2,317 |
| Average total loans | $313,227,670 | 1,353 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6103% | 5,427 |
| Cost of funding earning assets | 0.0848% | 6,926 |
| Net interest margin | 3.5255% | 3,592 |
| Noninterest income to average assets | 0.8156% | 2,071 |
| Noninterest expense to average assets | 3.1127% | 2,637 |
| Loan and lease loss provision to assets | 0.0892% | 3,177 |
| Net operating income to assets | 0.5322% | 4,529 |
| Return on assets (ROA) | 0.5322% | 4,673 |
| Pretax return on assets | 0.9097% | 3,719 |
| Return on Equity (ROE) | 7.3583% | 3,285 |
| Retained earnings to average equity (ytd only) | 3.5216% | 4,128 |
| Net charge-offs to loans | 0.1504% | 2,497 |
| Credit loss provision to net charge-offs | 76.2712% | 2,210 |
| Earnings coverage of net charge-offs (x) | 8.5424% | 1,934 |
| Efficiency ratio | 75.7050% | 2,973 |
| Assets per employee ($millions) | 2.8538% | 6,208 |
| Cash dividends to net income (ytd only)* | 52.1415% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1646% | 5,349 |
| Loan loss allowance to noncurrent loans | 244.4144% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.4008% | 5,388 |
| Noncurrent loans to loans | 0.4765% | 5,231 |
| Net loans and leases to total assets | 75.5996% | 892 |
| Net loans and leases to deposits | 82.8513% | 1,725 |
| Net loans and leases to core deposits | 84.6166% | 2,251 |
| Total domestic deposits to total assets | 91.2473% | 427 |
| Equity capital to assets | 7.2370% | 6,665 |
| Core capital (leverage) ratio | 8.0786% | 6,073 |
| Tier 1 risk-based capital ratio | 10.8873% | 6,453 |
| Total risk-based capital ratio | 12.1525% | 6,420 |
| Memoranda: | ||
| Average total assets | $403,642,000 | 1,656 |
| Average earning assets | $377,364,000 | 1,620 |
| Average equity | $29,191,500 | 2,356 |
| Average total loans | $313,765,000 | 1,359 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8823% | 5,627 |
| Cost of funding earning assets | 0.1717% | 6,885 |
| Net interest margin | 3.7106% | 3,603 |
| Noninterest income to average assets | 0.8413% | 2,077 |
| Noninterest expense to average assets | 3.3640% | 2,142 |
| Loan and lease loss provision to assets | 0.0754% | 4,780 |
| Net operating income to assets | 0.5815% | 4,323 |
| Return on assets (ROA) | 0.5858% | 4,565 |
| Pretax return on assets | 0.8536% | 4,089 |
| Return on Equity (ROE) | 8.5430% | 2,850 |
| Retained earnings to average equity (ytd only) | 4.8508% | 2,809 |
| Net charge-offs to loans | 0.0752% | 4,929 |
| Credit loss provision to net charge-offs | 129.8701% | 2,154 |
| Earnings coverage of net charge-offs (x) | 15.8874% | 1,622 |
| Efficiency ratio | 78.4751% | 2,364 |
| Assets per employee ($millions) | 2.8115% | 6,298 |
| Cash dividends to net income (ytd only)* | 43.2189% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1453% | 5,362 |
| Loan loss allowance to noncurrent loans | 192.1289% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.4932% | 5,237 |
| Noncurrent loans to loans | 0.5961% | 5,030 |
| Net loans and leases to total assets | 78.0818% | 667 |
| Net loans and leases to deposits | 85.5886% | 1,564 |
| Net loans and leases to core deposits | 87.3570% | 2,158 |
| Total domestic deposits to total assets | 91.2292% | 419 |
| Equity capital to assets | 7.2270% | 6,718 |
| Core capital (leverage) ratio | 8.0358% | 6,162 |
| Tier 1 risk-based capital ratio | 10.5233% | 6,545 |
| Total risk-based capital ratio | 11.7860% | 6,512 |
| Memoranda: | ||
| Average total assets | $397,738,600 | 1,644 |
| Average earning assets | $369,321,600 | 1,619 |
| Average equity | $27,273,800 | 2,464 |
| Average total loans | $307,294,200 | 1,366 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8857% | 5,819 |
| Cost of funding earning assets | 0.1953% | 6,960 |
| Net interest margin | 3.6904% | 3,838 |
| Noninterest income to average assets | 0.7876% | 2,294 |
| Noninterest expense to average assets | 3.1159% | 2,840 |
| Loan and lease loss provision to assets | 0.0908% | 4,465 |
| Net operating income to assets | 0.5869% | 4,449 |
| Return on assets (ROA) | 0.5923% | 4,691 |
| Pretax return on assets | 1.0124% | 3,662 |
| Return on Equity (ROE) | 8.7567% | 2,923 |
| Retained earnings to average equity (ytd only) | 5.5562% | 3,000 |
| Net charge-offs to loans | 0.0538% | 4,897 |
| Credit loss provision to net charge-offs | 219.5122% | 1,268 |
| Earnings coverage of net charge-offs (x) | 26.4790% | 1,212 |
| Efficiency ratio | 74.0002% | 2,983 |
| Assets per employee ($millions) | 3.0159% | 6,026 |
| Cash dividends to net income (ytd only)* | 36.5497% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1841% | 5,354 |
| Loan loss allowance to noncurrent loans | 208.4736% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.4220% | 5,632 |
| Noncurrent loans to loans | 0.5680% | 5,303 |
| Net loans and leases to total assets | 73.4265% | 1,334 |
| Net loans and leases to deposits | 80.0587% | 2,381 |
| Net loans and leases to core deposits | 81.6870% | 3,005 |
| Total domestic deposits to total assets | 91.7158% | 246 |
| Equity capital to assets | 6.6377% | 6,924 |
| Core capital (leverage) ratio | 8.0060% | 6,324 |
| Tier 1 risk-based capital ratio | 10.5685% | 6,644 |
| Total risk-based capital ratio | 11.8309% | 6,622 |
| Memoranda: | ||
| Average total assets | $396,661,000 | 1,670 |
| Average earning assets | $367,934,250 | 1,643 |
| Average equity | $26,828,250 | 2,515 |
| Average total loans | $304,726,750 | 1,389 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9670% | 5,742 |
| Cost of funding earning assets | 0.2204% | 6,991 |
| Net interest margin | 3.7466% | 3,608 |
| Noninterest income to average assets | 0.7539% | 2,402 |
| Noninterest expense to average assets | 3.1777% | 2,661 |
| Loan and lease loss provision to assets | 0.0928% | 4,400 |
| Net operating income to assets | 0.5611% | 4,528 |
| Return on assets (ROA) | 0.5694% | 4,775 |
| Pretax return on assets | 0.9734% | 3,809 |
| Return on Equity (ROE) | 8.3620% | 3,085 |
| Retained earnings to average equity (ytd only) | 5.6150% | 2,920 |
| Net charge-offs to loans | 0.0517% | 4,684 |
| Credit loss provision to net charge-offs | 230.7692% | 1,236 |
| Earnings coverage of net charge-offs (x) | 26.2051% | 1,173 |
| Efficiency ratio | 75.1066% | 2,880 |
| Assets per employee ($millions) | 2.8604% | 6,298 |
| Cash dividends to net income (ytd only)* | 32.8507% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2238% | 5,245 |
| Loan loss allowance to noncurrent loans | 206.9938% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.4427% | 5,669 |
| Noncurrent loans to loans | 0.5912% | 5,330 |
| Net loans and leases to total assets | 73.9696% | 1,246 |
| Net loans and leases to deposits | 80.8503% | 2,257 |
| Net loans and leases to core deposits | 82.8972% | 2,840 |
| Total domestic deposits to total assets | 91.4896% | 316 |
| Equity capital to assets | 6.7812% | 6,944 |
| Core capital (leverage) ratio | 8.0482% | 6,223 |
| Tier 1 risk-based capital ratio | 10.9879% | 6,503 |
| Total risk-based capital ratio | 12.2518% | 6,476 |
| Memoranda: | ||
| Average total assets | $388,139,670 | 1,707 |
| Average earning assets | $360,222,670 | 1,678 |
| Average equity | $26,429,000 | 2,539 |
| Average total loans | $301,722,330 | 1,406 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1129% | 5,408 |
| Cost of funding earning assets | 0.2306% | 7,053 |
| Net interest margin | 3.8823% | 2,993 |
| Noninterest income to average assets | 0.7571% | 2,363 |
| Noninterest expense to average assets | 3.2347% | 2,490 |
| Loan and lease loss provision to assets | 0.0942% | 4,171 |
| Net operating income to assets | 0.5979% | 4,346 |
| Return on assets (ROA) | 0.6147% | 4,495 |
| Pretax return on assets | 1.0514% | 3,499 |
| Return on Equity (ROE) | 9.0081% | 2,831 |
| Retained earnings to average equity (ytd only) | 3.4375% | 4,513 |
| Net charge-offs to loans | 0.0410% | 4,122 |
| Credit loss provision to net charge-offs | 290.3226% | 1,016 |
| Earnings coverage of net charge-offs (x) | 34.4839% | 832 |
| Efficiency ratio | 74.2905% | 3,051 |
| Assets per employee ($millions) | 2.8070% | 6,492 |
| Cash dividends to net income (ytd only)* | 61.8399% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1940% | 5,514 |
| Loan loss allowance to noncurrent loans | 285.5906% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 6,072 |
| Noncurrent loans to loans | 0.4181% | 5,835 |
| Net loans and leases to total assets | 76.9264% | 702 |
| Net loans and leases to deposits | 84.1736% | 1,643 |
| Net loans and leases to core deposits | 86.4470% | 2,239 |
| Total domestic deposits to total assets | 91.3901% | 408 |
| Equity capital to assets | 6.8311% | 6,963 |
| Core capital (leverage) ratio | 7.1601% | 6,778 |
| Tier 1 risk-based capital ratio | 9.4982% | 6,966 |
| Total risk-based capital ratio | 10.7626% | 6,959 |
| Memoranda: | ||
| Average total assets | $381,978,500 | 1,736 |
| Average earning assets | $353,913,000 | 1,712 |
| Average equity | $26,065,500 | 2,568 |
| Average total loans | $302,638,500 | 1,404 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2602% | 5,887 |
| Cost of funding earning assets | 0.3135% | 7,082 |
| Net interest margin | 3.9467% | 3,126 |
| Noninterest income to average assets | 0.7409% | 2,385 |
| Noninterest expense to average assets | 3.4601% | 2,090 |
| Loan and lease loss provision to assets | 0.1192% | 5,110 |
| Net operating income to assets | 0.5801% | 4,098 |
| Return on assets (ROA) | 0.5807% | 4,278 |
| Pretax return on assets | 0.8465% | 3,788 |
| Return on Equity (ROE) | 8.2303% | 2,790 |
| Retained earnings to average equity (ytd only) | 3.6101% | 3,644 |
| Net charge-offs to loans | 0.0432% | 5,873 |
| Credit loss provision to net charge-offs | 360.6557% | 645 |
| Earnings coverage of net charge-offs (x) | 29.1885% | 859 |
| Efficiency ratio | 78.1935% | 2,564 |
| Assets per employee ($millions) | 2.7086% | 6,599 |
| Cash dividends to net income (ytd only)* | 56.1363% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 5,474 |
| Loan loss allowance to noncurrent loans | 639.4265% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.1493% | 6,576 |
| Noncurrent loans to loans | 0.1851% | 6,375 |
| Net loans and leases to total assets | 79.7080% | 527 |
| Net loans and leases to deposits | 87.1773% | 1,493 |
| Net loans and leases to core deposits | 89.4239% | 2,207 |
| Total domestic deposits to total assets | 91.4320% | 350 |
| Equity capital to assets | 6.8162% | 7,002 |
| Core capital (leverage) ratio | 7.0375% | 6,849 |
| Tier 1 risk-based capital ratio | 9.0084% | 7,034 |
| Total risk-based capital ratio | 10.2700% | 7,035 |
| Memoranda: | ||
| Average total assets | $369,032,600 | 1,764 |
| Average earning assets | $344,493,800 | 1,729 |
| Average equity | $26,037,800 | 2,479 |
| Average total loans | $282,373,400 | 1,506 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2639% | 6,051 |
| Cost of funding earning assets | 0.3275% | 7,165 |
| Net interest margin | 3.9363% | 3,200 |
| Noninterest income to average assets | 0.7101% | 2,540 |
| Noninterest expense to average assets | 3.3227% | 2,429 |
| Loan and lease loss provision to assets | 0.1305% | 4,797 |
| Net operating income to assets | 0.5462% | 4,336 |
| Return on assets (ROA) | 0.5462% | 4,521 |
| Pretax return on assets | 0.9333% | 3,642 |
| Return on Equity (ROE) | 7.6755% | 3,190 |
| Retained earnings to average equity (ytd only) | 3.4023% | 4,314 |
| Net charge-offs to loans | 0.0139% | 5,953 |
| Credit loss provision to net charge-offs | 1,241.3793% | 223 |
| Earnings coverage of net charge-offs (x) | 101.1958% | 361 |
| Efficiency ratio | 75.7478% | 2,877 |
| Assets per employee ($millions) | 2.7260% | 6,615 |
| Cash dividends to net income (ytd only)* | 55.6737% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 5,174 |
| Loan loss allowance to noncurrent loans | 673.1203% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.1374% | 6,698 |
| Noncurrent loans to loans | 0.1879% | 6,492 |
| Net loans and leases to total assets | 72.2072% | 1,665 |
| Net loans and leases to deposits | 79.1216% | 2,789 |
| Net loans and leases to core deposits | 81.0328% | 3,483 |
| Total domestic deposits to total assets | 91.2611% | 359 |
| Equity capital to assets | 6.8747% | 7,073 |
| Core capital (leverage) ratio | 7.3068% | 6,854 |
| Tier 1 risk-based capital ratio | 9.8512% | 6,994 |
| Total risk-based capital ratio | 11.1137% | 6,978 |
| Memoranda: | ||
| Average total assets | $367,843,750 | 1,768 |
| Average earning assets | $343,562,000 | 1,733 |
| Average equity | $26,177,750 | 2,462 |
| Average total loans | $277,590,000 | 1,545 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3408% | 5,871 |
| Cost of funding earning assets | 0.3439% | 7,236 |
| Net interest margin | 3.9969% | 2,852 |
| Noninterest income to average assets | 0.6585% | 2,772 |
| Noninterest expense to average assets | 3.3788% | 2,322 |
| Loan and lease loss provision to assets | 0.1328% | 4,637 |
| Net operating income to assets | 0.5168% | 4,429 |
| Return on assets (ROA) | 0.5168% | 4,570 |
| Pretax return on assets | 0.8837% | 3,692 |
| Return on Equity (ROE) | 7.1754% | 3,359 |
| Retained earnings to average equity (ytd only) | 2.8732% | 4,455 |
| Net charge-offs to loans | 0.0363% | 5,345 |
| Credit loss provision to net charge-offs | 480.0000% | 645 |
| Earnings coverage of net charge-offs (x) | 36.7400% | 794 |
| Efficiency ratio | 76.8727% | 2,880 |
| Assets per employee ($millions) | 2.6585% | 6,702 |
| Cash dividends to net income (ytd only)* | 59.9572% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2479% | 5,320 |
| Loan loss allowance to noncurrent loans | 490.7275% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 6,634 |
| Noncurrent loans to loans | 0.2543% | 6,413 |
| Net loans and leases to total assets | 72.6254% | 1,659 |
| Net loans and leases to deposits | 79.6610% | 2,855 |
| Net loans and leases to core deposits | 81.4963% | 3,580 |
| Total domestic deposits to total assets | 91.1681% | 440 |
| Equity capital to assets | 7.0106% | 7,098 |
| Core capital (leverage) ratio | 7.3980% | 6,810 |
| Tier 1 risk-based capital ratio | 10.0960% | 6,949 |
| Total risk-based capital ratio | 11.3626% | 6,934 |
| Memoranda: | ||
| Average total assets | $361,429,670 | 1,814 |
| Average earning assets | $337,909,000 | 1,772 |
| Average equity | $26,033,330 | 2,457 |
| Average total loans | $275,758,330 | 1,574 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3838% | 5,744 |
| Cost of funding earning assets | 0.3632% | 7,297 |
| Net interest margin | 4.0205% | 2,604 |
| Noninterest income to average assets | 0.6664% | 2,748 |
| Noninterest expense to average assets | 3.4280% | 2,203 |
| Loan and lease loss provision to assets | 0.1353% | 4,318 |
| Net operating income to assets | 0.5029% | 4,478 |
| Return on assets (ROA) | 0.5029% | 4,561 |
| Pretax return on assets | 0.8604% | 3,662 |
| Return on Equity (ROE) | 6.8852% | 3,442 |
| Retained earnings to average equity (ytd only) | 2.5627% | 4,627 |
| Net charge-offs to loans | 0.0218% | 4,775 |
| Credit loss provision to net charge-offs | 800.0000% | 474 |
| Earnings coverage of net charge-offs (x) | 58.8667% | 506 |
| Efficiency ratio | 77.4917% | 2,915 |
| Assets per employee ($millions) | 2.6628% | 6,750 |
| Cash dividends to net income (ytd only)* | 62.7803% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2168% | 5,548 |
| Loan loss allowance to noncurrent loans | 401.7964% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.2323% | 6,595 |
| Noncurrent loans to loans | 0.3028% | 6,384 |
| Net loans and leases to total assets | 75.7678% | 1,059 |
| Net loans and leases to deposits | 83.3841% | 2,120 |
| Net loans and leases to core deposits | 85.4247% | 2,970 |
| Total domestic deposits to total assets | 90.8660% | 694 |
| Equity capital to assets | 7.2309% | 6,999 |
| Core capital (leverage) ratio | 7.5174% | 6,718 |
| Tier 1 risk-based capital ratio | 9.9966% | 7,006 |
| Total risk-based capital ratio | 11.2630% | 6,997 |
| Memoranda: | ||
| Average total assets | $354,722,500 | 1,862 |
| Average earning assets | $331,497,000 | 1,808 |
| Average equity | $25,910,500 | 2,457 |
| Average total loans | $275,801,500 | 1,587 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6426% | 5,979 |
| Cost of funding earning assets | 0.4564% | 7,357 |
| Net interest margin | 4.1862% | 2,242 |
| Noninterest income to average assets | 0.7523% | 2,530 |
| Noninterest expense to average assets | 3.5970% | 1,935 |
| Loan and lease loss provision to assets | 0.1497% | 5,700 |
| Net operating income to assets | 0.6171% | 3,596 |
| Return on assets (ROA) | 0.6171% | 3,766 |
| Pretax return on assets | 0.9072% | 3,257 |
| Return on Equity (ROE) | 8.5064% | 2,497 |
| Retained earnings to average equity (ytd only) | 3.7334% | 3,254 |
| Net charge-offs to loans | 0.0803% | 6,021 |
| Credit loss provision to net charge-offs | 248.8038% | 1,153 |
| Earnings coverage of net charge-offs (x) | 17.5694% | 1,143 |
| Efficiency ratio | 77.2913% | 2,830 |
| Assets per employee ($millions) | 2.5178% | 6,988 |
| Cash dividends to net income (ytd only)* | 56.1101% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 5,614 |
| Loan loss allowance to noncurrent loans | 422.6268% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.2197% | 6,686 |
| Noncurrent loans to loans | 0.2787% | 6,501 |
| Net loans and leases to total assets | 77.9014% | 962 |
| Net loans and leases to deposits | 86.0682% | 2,081 |
| Net loans and leases to core deposits | 87.7407% | 3,088 |
| Total domestic deposits to total assets | 90.5113% | 827 |
| Equity capital to assets | 7.3800% | 6,954 |
| Core capital (leverage) ratio | 7.4762% | 6,722 |
| Tier 1 risk-based capital ratio | 9.8749% | 7,028 |
| Total risk-based capital ratio | 11.1422% | 7,015 |
| Memoranda: | ||
| Average total assets | $347,451,400 | 1,879 |
| Average earning assets | $323,826,800 | 1,842 |
| Average equity | $25,204,600 | 2,530 |
| Average total loans | $260,204,800 | 1,700 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6248% | 6,269 |
| Cost of funding earning assets | 0.4690% | 7,489 |
| Net interest margin | 4.1558% | 2,383 |
| Noninterest income to average assets | 0.7093% | 2,773 |
| Noninterest expense to average assets | 3.4249% | 2,221 |
| Loan and lease loss provision to assets | 0.1384% | 5,645 |
| Net operating income to assets | 0.5924% | 3,910 |
| Return on assets (ROA) | 0.5924% | 4,068 |
| Pretax return on assets | 1.0126% | 3,135 |
| Return on Equity (ROE) | 8.2025% | 2,825 |
| Retained earnings to average equity (ytd only) | 3.7366% | 3,834 |
| Net charge-offs to loans | 0.0702% | 5,811 |
| Credit loss provision to net charge-offs | 266.6667% | 1,233 |
| Earnings coverage of net charge-offs (x) | 22.1772% | 1,105 |
| Efficiency ratio | 74.8467% | 3,171 |
| Assets per employee ($millions) | 2.5802% | 6,976 |
| Cash dividends to net income (ytd only)* | 54.4451% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1527% | 5,698 |
| Loan loss allowance to noncurrent loans | 527.3333% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.1661% | 6,942 |
| Noncurrent loans to loans | 0.2186% | 6,741 |
| Net loans and leases to total assets | 75.1110% | 1,568 |
| Net loans and leases to deposits | 82.6734% | 2,973 |
| Net loans and leases to core deposits | 84.0989% | 3,916 |
| Total domestic deposits to total assets | 90.8527% | 499 |
| Equity capital to assets | 7.0606% | 7,325 |
| Core capital (leverage) ratio | 7.4399% | 6,889 |
| Tier 1 risk-based capital ratio | 9.6998% | 7,186 |
| Total risk-based capital ratio | 10.9318% | 7,186 |
| Memoranda: | ||
| Average total assets | $346,821,000 | 1,910 |
| Average earning assets | $322,688,000 | 1,865 |
| Average equity | $25,048,750 | 2,583 |
| Average total loans | $256,285,000 | 1,749 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6215% | 6,397 |
| Cost of funding earning assets | 0.4798% | 7,568 |
| Net interest margin | 4.1418% | 2,371 |
| Noninterest income to average assets | 0.6713% | 2,881 |
| Noninterest expense to average assets | 3.4256% | 2,203 |
| Loan and lease loss provision to assets | 0.1403% | 5,493 |
| Net operating income to assets | 0.5690% | 4,003 |
| Return on assets (ROA) | 0.5690% | 4,148 |
| Pretax return on assets | 0.9725% | 3,228 |
| Return on Equity (ROE) | 7.8163% | 2,951 |
| Retained earnings to average equity (ytd only) | 3.3177% | 3,999 |
| Net charge-offs to loans | 0.0999% | 5,149 |
| Credit loss provision to net charge-offs | 192.0000% | 2,052 |
| Earnings coverage of net charge-offs (x) | 15.2240% | 1,468 |
| Efficiency ratio | 75.4800% | 3,164 |
| Assets per employee ($millions) | 2.5013% | 7,101 |
| Cash dividends to net income (ytd only)* | 57.5540% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 5,463 |
| Loan loss allowance to noncurrent loans | 561.3971% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.1553% | 6,998 |
| Noncurrent loans to loans | 0.2135% | 6,826 |
| Net loans and leases to total assets | 71.8882% | 2,432 |
| Net loans and leases to deposits | 79.2398% | 3,749 |
| Net loans and leases to core deposits | 80.8567% | 4,568 |
| Total domestic deposits to total assets | 90.7224% | 594 |
| Equity capital to assets | 7.1776% | 7,284 |
| Core capital (leverage) ratio | 7.5805% | 6,754 |
| Tier 1 risk-based capital ratio | 10.2539% | 6,878 |
| Total risk-based capital ratio | 11.5171% | 6,846 |
| Memoranda: | ||
| Average total assets | $342,017,330 | 1,949 |
| Average earning assets | $319,332,330 | 1,906 |
| Average equity | $24,896,670 | 2,602 |
| Average total loans | $250,217,000 | 1,813 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6885% | 6,284 |
| Cost of funding earning assets | 0.4854% | 7,693 |
| Net interest margin | 4.2031% | 2,023 |
| Noninterest income to average assets | 0.6640% | 2,859 |
| Noninterest expense to average assets | 3.4303% | 2,159 |
| Loan and lease loss provision to assets | 0.1420% | 5,130 |
| Net operating income to assets | 0.6013% | 3,890 |
| Return on assets (ROA) | 0.6013% | 4,033 |
| Pretax return on assets | 1.0274% | 2,979 |
| Return on Equity (ROE) | 8.2010% | 2,783 |
| Retained earnings to average equity (ytd only) | 3.6808% | 3,947 |
| Net charge-offs to loans | 0.1275% | 4,202 |
| Credit loss provision to net charge-offs | 151.8987% | 2,353 |
| Earnings coverage of net charge-offs (x) | 12.5063% | 1,560 |
| Efficiency ratio | 74.5754% | 3,473 |
| Assets per employee ($millions) | 2.4956% | 7,202 |
| Cash dividends to net income (ytd only)* | 55.1181% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 5,424 |
| Loan loss allowance to noncurrent loans | 462.0155% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.1900% | 6,993 |
| Noncurrent loans to loans | 0.2631% | 6,796 |
| Net loans and leases to total assets | 71.3572% | 2,600 |
| Net loans and leases to deposits | 78.7106% | 3,905 |
| Net loans and leases to core deposits | 80.4140% | 4,713 |
| Total domestic deposits to total assets | 90.6577% | 674 |
| Equity capital to assets | 7.3418% | 7,186 |
| Core capital (leverage) ratio | 7.5583% | 6,785 |
| Tier 1 risk-based capital ratio | 10.6363% | 6,507 |
| Total risk-based capital ratio | 11.9038% | 6,477 |
| Memoranda: | ||
| Average total assets | $337,932,000 | 2,026 |
| Average earning assets | $316,435,000 | 1,967 |
| Average equity | $24,777,500 | 2,630 |
| Average total loans | $247,926,500 | 1,880 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9911% | 6,462 |
| Cost of funding earning assets | 0.7116% | 7,669 |
| Net interest margin | 4.2795% | 1,778 |
| Noninterest income to average assets | 0.7979% | 2,413 |
| Noninterest expense to average assets | 3.8203% | 1,660 |
| Loan and lease loss provision to assets | 0.1097% | 6,551 |
| Net operating income to assets | 0.5781% | 3,418 |
| Return on assets (ROA) | 0.5781% | 3,491 |
| Pretax return on assets | 0.8378% | 3,121 |
| Return on Equity (ROE) | 8.6596% | 2,140 |
| Retained earnings to average equity (ytd only) | 5.8476% | 1,410 |
| Net charge-offs to loans | 0.1753% | 5,550 |
| Credit loss provision to net charge-offs | 85.1064% | 6,160 |
| Earnings coverage of net charge-offs (x) | 7.3499% | 2,172 |
| Efficiency ratio | 80.1266% | 2,869 |
| Assets per employee ($millions) | 2.3365% | 7,433 |
| Cash dividends to net income (ytd only)* | 32.4723% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1724% | 5,523 |
| Loan loss allowance to noncurrent loans | 588.9780% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.1483% | 7,106 |
| Noncurrent loans to loans | 0.1991% | 6,927 |
| Net loans and leases to total assets | 73.6328% | 2,353 |
| Net loans and leases to deposits | 81.4012% | 3,720 |
| Net loans and leases to core deposits | 87.8685% | 5,343 |
| Total domestic deposits to total assets | 90.4566% | 758 |
| Equity capital to assets | 7.3224% | 7,179 |
| Core capital (leverage) ratio | 7.5663% | 6,723 |
| Tier 1 risk-based capital ratio | 10.2958% | 6,593 |
| Total risk-based capital ratio | 11.5352% | 6,572 |
| Memoranda: | ||
| Average total assets | $328,115,800 | 2,062 |
| Average earning assets | $304,379,800 | 2,043 |
| Average equity | $21,906,400 | 2,957 |
| Average total loans | $241,337,200 | 1,941 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0222% | 6,543 |
| Cost of funding earning assets | 0.7666% | 7,744 |
| Net interest margin | 4.2555% | 1,855 |
| Noninterest income to average assets | 0.8187% | 2,344 |
| Noninterest expense to average assets | 3.7354% | 1,736 |
| Loan and lease loss provision to assets | 0.1104% | 6,267 |
| Net operating income to assets | 0.5292% | 3,863 |
| Return on assets (ROA) | 0.5292% | 3,956 |
| Pretax return on assets | 0.9046% | 3,213 |
| Return on Equity (ROE) | 8.1291% | 2,586 |
| Retained earnings to average equity (ytd only) | 6.4894% | 1,711 |
| Net charge-offs to loans | 0.1529% | 5,188 |
| Credit loss provision to net charge-offs | 98.5401% | 5,194 |
| Earnings coverage of net charge-offs (x) | 9.0585% | 2,155 |
| Efficiency ratio | 78.6329% | 3,062 |
| Assets per employee ($millions) | 2.4241% | 7,343 |
| Cash dividends to net income (ytd only)* | 20.1699% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 5,068 |
| Loan loss allowance to noncurrent loans | 466.2519% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.1842% | 7,071 |
| Noncurrent loans to loans | 0.2587% | 6,865 |
| Net loans and leases to total assets | 70.3525% | 3,426 |
| Net loans and leases to deposits | 77.1520% | 4,872 |
| Net loans and leases to core deposits | 83.6909% | 6,065 |
| Total domestic deposits to total assets | 91.1869% | 349 |
| Equity capital to assets | 6.5878% | 7,742 |
| Core capital (leverage) ratio | 7.0010% | 7,439 |
| Tier 1 risk-based capital ratio | 9.5840% | 7,313 |
| Total risk-based capital ratio | 10.8323% | 7,276 |
| Memoranda: | ||
| Average total assets | $326,029,000 | 2,093 |
| Average earning assets | $301,217,750 | 2,081 |
| Average equity | $21,223,750 | 3,069 |
| Average total loans | $239,000,000 | 1,987 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0995% | 6,440 |
| Cost of funding earning assets | 0.8236% | 7,791 |
| Net interest margin | 4.2759% | 1,724 |
| Noninterest income to average assets | 0.9040% | 1,970 |
| Noninterest expense to average assets | 3.8367% | 1,595 |
| Loan and lease loss provision to assets | 0.1131% | 6,016 |
| Net operating income to assets | 0.5365% | 3,953 |
| Return on assets (ROA) | 0.5365% | 4,056 |
| Pretax return on assets | 0.9172% | 3,282 |
| Return on Equity (ROE) | 8.2780% | 2,660 |
| Retained earnings to average equity (ytd only) | 6.4654% | 1,813 |
| Net charge-offs to loans | 0.1900% | 4,361 |
| Credit loss provision to net charge-offs | 80.3571% | 5,187 |
| Earnings coverage of net charge-offs (x) | 7.3214% | 2,458 |
| Efficiency ratio | 78.8305% | 3,215 |
| Assets per employee ($millions) | 2.3461% | 7,493 |
| Cash dividends to net income (ytd only)* | 21.8970% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2571% | 4,561 |
| Loan loss allowance to noncurrent loans | 630.4904% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.1418% | 7,210 |
| Noncurrent loans to loans | 0.1994% | 7,016 |
| Net loans and leases to total assets | 70.2132% | 3,644 |
| Net loans and leases to deposits | 76.8692% | 5,043 |
| Net loans and leases to core deposits | 83.4389% | 6,128 |
| Total domestic deposits to total assets | 91.3411% | 354 |
| Equity capital to assets | 6.3294% | 7,858 |
| Core capital (leverage) ratio | 6.5709% | 7,761 |
| Tier 1 risk-based capital ratio | 9.3694% | 7,495 |
| Total risk-based capital ratio | 10.6153% | 7,478 |
| Memoranda: | ||
| Average total assets | $318,348,000 | 2,153 |
| Average earning assets | $295,048,670 | 2,146 |
| Average equity | $20,633,000 | 3,156 |
| Average total loans | $235,807,000 | 2,037 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2812% | 5,970 |
| Cost of funding earning assets | 0.8705% | 7,845 |
| Net interest margin | 4.4107% | 1,321 |
| Noninterest income to average assets | 0.9971% | 1,489 |
| Noninterest expense to average assets | 3.8357% | 1,409 |
| Loan and lease loss provision to assets | 0.1153% | 5,490 |
| Net operating income to assets | 0.6536% | 3,781 |
| Return on assets (ROA) | 0.6536% | 3,966 |
| Pretax return on assets | 1.1175% | 2,921 |
| Return on Equity (ROE) | 9.9607% | 2,336 |
| Retained earnings to average equity (ytd only) | 8.1443% | 1,755 |
| Net charge-offs to loans | 0.1457% | 3,799 |
| Credit loss provision to net charge-offs | 104.6512% | 3,613 |
| Earnings coverage of net charge-offs (x) | 11.1860% | 1,891 |
| Efficiency ratio | 75.6764% | 3,539 |
| Assets per employee ($millions) | 2.2945% | 7,590 |
| Cash dividends to net income (ytd only)* | 18.2353% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2975% | 4,097 |
| Loan loss allowance to noncurrent loans | 567.1698% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.1650% | 7,063 |
| Noncurrent loans to loans | 0.2288% | 6,879 |
| Net loans and leases to total assets | 71.1853% | 3,427 |
| Net loans and leases to deposits | 77.9088% | 4,939 |
| Net loans and leases to core deposits | 84.8593% | 5,989 |
| Total domestic deposits to total assets | 91.3700% | 306 |
| Equity capital to assets | 6.4425% | 7,891 |
| Core capital (leverage) ratio | 6.6790% | 7,805 |
| Tier 1 risk-based capital ratio | 9.3466% | 7,552 |
| Total risk-based capital ratio | 10.5879% | 7,526 |
| Memoranda: | ||
| Average total assets | $312,120,000 | 2,201 |
| Average earning assets | $288,119,000 | 2,193 |
| Average equity | $20,480,500 | 3,192 |
| Average total loans | $236,098,000 | 2,051 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8741% | 6,166 |
| Cost of funding earning assets | 1.2163% | 7,926 |
| Net interest margin | 4.6578% | 1,044 |
| Noninterest income to average assets | 0.6564% | 3,424 |
| Noninterest expense to average assets | 3.9073% | 1,546 |
| Loan and lease loss provision to assets | 0.1206% | 5,815 |
| Net operating income to assets | 0.6283% | 4,195 |
| Return on assets (ROA) | 0.6283% | 4,042 |
| Pretax return on assets | 0.9096% | 3,694 |
| Return on Equity (ROE) | 8.7004% | 2,753 |
| Retained earnings to average equity (ytd only) | 6.0198% | 1,528 |
| Net charge-offs to loans | 0.0504% | 6,070 |
| Credit loss provision to net charge-offs | 300.0000% | 1,503 |
| Earnings coverage of net charge-offs (x) | 25.6333% | 1,323 |
| Efficiency ratio | 79.1359% | 2,733 |
| Assets per employee ($millions) | 2.1957% | 7,718 |
| Cash dividends to net income (ytd only)* | 30.8102% | 4,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 4,163 |
| Loan loss allowance to noncurrent loans | 625.4167% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.1584% | 6,940 |
| Noncurrent loans to loans | 0.1996% | 6,790 |
| Net loans and leases to total assets | 78.3867% | 2,027 |
| Net loans and leases to deposits | 86.2042% | 4,090 |
| Net loans and leases to core deposits | 93.5664% | 5,485 |
| Total domestic deposits to total assets | 90.9314% | 352 |
| Equity capital to assets | 6.6882% | 7,874 |
| Core capital (leverage) ratio | 6.7464% | 7,839 |
| Tier 1 risk-based capital ratio | 8.8381% | 7,882 |
| Total risk-based capital ratio | 10.0870% | 7,924 |
| Memoranda: | ||
| Average total assets | $298,594,200 | 2,210 |
| Average earning assets | $274,442,800 | 2,201 |
| Average equity | $21,562,200 | 3,033 |
| Average total loans | $238,295,600 | 1,984 |