Home > First National Bank of Waterloo > Performance and Condition Ratios
First National Bank of Waterloo, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9777% | 3,998 |
| Cost of funding earning assets | 1.3202% | 2,460 |
| Net interest margin | 2.6574% | 3,887 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.3641% | 2,683 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.4224% | 3,820 |
| Return on assets (ROA) | 0.4234% | 3,818 |
| Pretax return on assets | 0.5127% | 3,785 |
| Return on Equity (ROE) | 5.2200% | 3,687 |
| Retained earnings to average equity (ytd only) | 1.0576% | 3,824 |
| Net charge-offs to loans | 0.0143% | 2,119 |
| Credit loss provision to net charge-offs | 1,089.6104% | 387 |
| Earnings coverage of net charge-offs (x) | 73.8831% | 1,075 |
| Efficiency ratio | 76.6956% | 1,189 |
| Assets per employee ($millions) | 5.9080% | 2,893 |
| Cash dividends to net income (ytd only)* | 79.7210% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2883% | 1,828 |
| Loan loss allowance to noncurrent loans | 196.8445% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.3796% | 1,456 |
| Noncurrent loans to loans | 0.6545% | 1,200 |
| Net loans and leases to total assets | 55.9700% | 3,197 |
| Net loans and leases to deposits | 67.5095% | 3,069 |
| Net loans and leases to core deposits | 72.0926% | 3,183 |
| Total domestic deposits to total assets | 82.9100% | 2,914 |
| Equity capital to assets | 8.5352% | 3,025 |
| Core capital (leverage) ratio | 8.2756% | 4,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6409% | 2,010 |
| Memoranda: | ||
| Average total assets | $948,043,400 | 1,031 |
| Average earning assets | $872,567,600 | 1,031 |
| Average equity | $76,963,400 | 1,163 |
| Average total loans | $537,579,000 | 1,169 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9290% | 3,958 |
| Cost of funding earning assets | 1.2804% | 2,197 |
| Net interest margin | 2.6486% | 3,950 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.4089% | 2,497 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.3968% | 3,968 |
| Return on assets (ROA) | 0.3981% | 3,963 |
| Pretax return on assets | 0.4779% | 3,939 |
| Return on Equity (ROE) | 4.9700% | 3,810 |
| Retained earnings to average equity (ytd only) | 0.7650% | 3,991 |
| Net charge-offs to loans | 0.0067% | 2,195 |
| Credit loss provision to net charge-offs | 2,174.0741% | 224 |
| Earnings coverage of net charge-offs (x) | 147.4815% | 737 |
| Efficiency ratio | 81.1726% | 790 |
| Assets per employee ($millions) | 5.6983% | 3,020 |
| Cash dividends to net income (ytd only)* | 84.5964% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 2,101 |
| Loan loss allowance to noncurrent loans | 389.4706% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.1904% | 2,321 |
| Noncurrent loans to loans | 0.3212% | 2,080 |
| Net loans and leases to total assets | 57.6100% | 3,060 |
| Net loans and leases to deposits | 68.7642% | 2,926 |
| Net loans and leases to core deposits | 73.2137% | 3,043 |
| Total domestic deposits to total assets | 83.7800% | 2,841 |
| Equity capital to assets | 8.1055% | 2,980 |
| Core capital (leverage) ratio | 8.2264% | 4,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5860% | 2,049 |
| Memoranda: | ||
| Average total assets | $950,211,000 | 1,035 |
| Average earning assets | $874,610,250 | 1,029 |
| Average equity | $76,160,000 | 1,167 |
| Average total loans | $538,809,750 | 1,165 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6967% | 4,144 |
| Cost of funding earning assets | 1.3077% | 1,687 |
| Net interest margin | 2.3889% | 4,308 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.3442% | 2,669 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.2437% | 4,238 |
| Return on assets (ROA) | 0.2462% | 4,255 |
| Pretax return on assets | 0.2591% | 4,266 |
| Return on Equity (ROE) | 3.4700% | 4,100 |
| Retained earnings to average equity (ytd only) | -4.6286% | 4,409 |
| Net charge-offs to loans | -0.0058% | 3,749 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 87.0598% | 457 |
| Assets per employee ($millions) | 5.7381% | 2,937 |
| Cash dividends to net income (ytd only)* | 233.4630% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3848% | 1,582 |
| Loan loss allowance to noncurrent loans | 498.3359% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.1907% | 2,240 |
| Noncurrent loans to loans | 0.2779% | 2,154 |
| Net loans and leases to total assets | 56.3900% | 3,093 |
| Net loans and leases to deposits | 67.6952% | 2,931 |
| Net loans and leases to core deposits | 73.9195% | 2,890 |
| Total domestic deposits to total assets | 83.3000% | 2,983 |
| Equity capital to assets | 7.0817% | 3,751 |
| Core capital (leverage) ratio | 7.9428% | 4,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3389% | 2,160 |
| Memoranda: | ||
| Average total assets | $835,175,000 | 1,142 |
| Average earning assets | $777,834,333 | 1,132 |
| Average equity | $59,283,667 | 1,401 |
| Average total loans | $482,193,000 | 1,248 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6229% | 4,133 |
| Cost of funding earning assets | 1.1529% | 1,584 |
| Net interest margin | 2.4700% | 4,333 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.3481% | 2,678 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.2619% | 4,296 |
| Return on assets (ROA) | 0.2667% | 4,259 |
| Pretax return on assets | 0.2892% | 4,270 |
| Return on Equity (ROE) | 3.7500% | 4,080 |
| Retained earnings to average equity (ytd only) | -9.6998% | 4,468 |
| Net charge-offs to loans | -0.0099% | 3,842 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 86.2057% | 502 |
| Assets per employee ($millions) | 5.9562% | 2,803 |
| Cash dividends to net income (ytd only)* | 358.4229% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3088% | 1,987 |
| Loan loss allowance to noncurrent loans | 545.4778% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 2,525 |
| Noncurrent loans to loans | 0.2399% | 2,303 |
| Net loans and leases to total assets | 57.8100% | 2,888 |
| Net loans and leases to deposits | 71.0545% | 2,537 |
| Net loans and leases to core deposits | 74.9949% | 2,599 |
| Total domestic deposits to total assets | 81.3600% | 3,576 |
| Equity capital to assets | 7.1337% | 3,767 |
| Core capital (leverage) ratio | 7.8795% | 4,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9072% | 2,422 |
| Memoranda: | ||
| Average total assets | $836,753,500 | 1,156 |
| Average earning assets | $779,272,500 | 1,143 |
| Average equity | $59,465,000 | 1,404 |
| Average total loans | $485,420,000 | 1,259 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2189% | 3,786 |
| Cost of funding earning assets | 0.4023% | 2,081 |
| Net interest margin | 2.8166% | 3,860 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.3471% | 2,591 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.5455% | 4,001 |
| Return on assets (ROA) | 0.5623% | 3,930 |
| Pretax return on assets | 0.6805% | 3,896 |
| Return on Equity (ROE) | 7.3100% | 3,562 |
| Retained earnings to average equity (ytd only) | 2.3928% | 3,889 |
| Net charge-offs to loans | -0.0429% | 4,311 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.6898% | 1,047 |
| Assets per employee ($millions) | 5.7118% | 3,019 |
| Cash dividends to net income (ytd only)* | 67.2889% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 1,978 |
| Loan loss allowance to noncurrent loans | 379.2892% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 2,201 |
| Noncurrent loans to loans | 0.3383% | 1,939 |
| Net loans and leases to total assets | 56.7100% | 2,947 |
| Net loans and leases to deposits | 68.8919% | 2,674 |
| Net loans and leases to core deposits | 71.1642% | 2,788 |
| Total domestic deposits to total assets | 82.3200% | 3,564 |
| Equity capital to assets | 7.0798% | 3,627 |
| Core capital (leverage) ratio | 8.0310% | 4,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1782% | 2,298 |
| Memoranda: | ||
| Average total assets | $819,260,200 | 1,163 |
| Average earning assets | $765,047,800 | 1,153 |
| Average equity | $62,980,400 | 1,346 |
| Average total loans | $440,251,200 | 1,292 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1521% | 3,552 |
| Cost of funding earning assets | 0.2985% | 2,184 |
| Net interest margin | 2.8536% | 3,613 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 2.3508% | 2,471 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.5764% | 3,895 |
| Return on assets (ROA) | 0.5986% | 3,798 |
| Pretax return on assets | 0.7268% | 3,748 |
| Return on Equity (ROE) | 7.6300% | 3,423 |
| Retained earnings to average equity (ytd only) | 6.3779% | 2,605 |
| Net charge-offs to loans | -0.0534% | 4,325 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.7501% | 1,204 |
| Assets per employee ($millions) | 5.6754% | 3,052 |
| Cash dividends to net income (ytd only)* | 16.4159% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 2,049 |
| Loan loss allowance to noncurrent loans | 376.2264% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.1932% | 2,315 |
| Noncurrent loans to loans | 0.3443% | 1,996 |
| Net loans and leases to total assets | 55.3900% | 2,962 |
| Net loans and leases to deposits | 66.2472% | 2,698 |
| Net loans and leases to core deposits | 67.5000% | 2,843 |
| Total domestic deposits to total assets | 83.6100% | 3,578 |
| Equity capital to assets | 7.0186% | 3,508 |
| Core capital (leverage) ratio | 8.3818% | 4,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6476% | 2,201 |
| Memoranda: | ||
| Average total assets | $814,166,750 | 1,177 |
| Average earning assets | $760,710,750 | 1,166 |
| Average equity | $63,864,500 | 1,352 |
| Average total loans | $429,717,750 | 1,306 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0596% | 3,404 |
| Cost of funding earning assets | 0.2438% | 2,346 |
| Net interest margin | 2.8158% | 3,398 |
| Noninterest income to average assets | 0.4499% | 2,450 |
| Noninterest expense to average assets | 2.2558% | 2,686 |
| Loan and lease loss provision to assets | 0.0944% | 1,052 |
| Net operating income to assets | 0.5927% | 3,645 |
| Return on assets (ROA) | 0.6200% | 3,518 |
| Pretax return on assets | 0.7677% | 3,413 |
| Return on Equity (ROE) | 7.6328% | 3,124 |
| Retained earnings to average equity (ytd only) | 5.8119% | 2,399 |
| Net charge-offs to loans | -0.0305% | 4,041 |
| Credit loss provision to net charge-offs | -598.4375% | 3,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1415% | 1,604 |
| Assets per employee ($millions) | 5.8365% | 2,885 |
| Cash dividends to net income (ytd only)* | 23.8569% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2985% | 2,198 |
| Loan loss allowance to noncurrent loans | 431.6869% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.2887% | 1,854 |
| Noncurrent loans to loans | 0.3008% | 2,261 |
| Net loans and leases to total assets | 53.2265% | 3,039 |
| Net loans and leases to deposits | 63.7634% | 2,743 |
| Net loans and leases to core deposits | 64.8383% | 2,908 |
| Total domestic deposits to total assets | 83.4749% | 3,791 |
| Equity capital to assets | 7.6022% | 3,407 |
| Core capital (leverage) ratio | 8.4627% | 3,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0539% | 2,040 |
| Memoranda: | ||
| Average total assets | $811,242,333 | 1,181 |
| Average earning assets | $758,933,667 | 1,179 |
| Average equity | $65,899,667 | 1,348 |
| Average total loans | $419,015,000 | 1,332 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9110% | 3,504 |
| Cost of funding earning assets | 0.2375% | 2,293 |
| Net interest margin | 2.6735% | 3,463 |
| Noninterest income to average assets | 0.4758% | 2,271 |
| Noninterest expense to average assets | 2.0601% | 3,274 |
| Loan and lease loss provision to assets | 0.0942% | 874 |
| Net operating income to assets | 0.6607% | 3,194 |
| Return on assets (ROA) | 0.7061% | 3,026 |
| Pretax return on assets | 0.8871% | 2,822 |
| Return on Equity (ROE) | 8.4220% | 2,544 |
| Retained earnings to average equity (ytd only) | 4.8933% | 2,630 |
| Net charge-offs to loans | -0.0098% | 3,578 |
| Credit loss provision to net charge-offs | -1,910.0000% | 3,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0236% | 2,369 |
| Assets per employee ($millions) | 5.7290% | 3,086 |
| Cash dividends to net income (ytd only)* | 41.8994% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3294% | 2,217 |
| Loan loss allowance to noncurrent loans | 452.5396% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.2861% | 1,976 |
| Noncurrent loans to loans | 0.2938% | 2,414 |
| Net loans and leases to total assets | 50.2965% | 3,145 |
| Net loans and leases to deposits | 58.2017% | 3,057 |
| Net loans and leases to core deposits | 59.3783% | 3,195 |
| Total domestic deposits to total assets | 86.4176% | 3,133 |
| Equity capital to assets | 8.1055% | 3,490 |
| Core capital (leverage) ratio | 8.3098% | 4,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5041% | 1,990 |
| Memoranda: | ||
| Average total assets | $811,226,000 | 1,182 |
| Average earning assets | $761,245,500 | 1,177 |
| Average equity | $68,012,000 | 1,359 |
| Average total loans | $409,775,500 | 1,344 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9938% | 3,885 |
| Cost of funding earning assets | 0.4163% | 1,428 |
| Net interest margin | 2.5775% | 4,083 |
| Noninterest income to average assets | 0.7104% | 1,728 |
| Noninterest expense to average assets | 2.2147% | 3,031 |
| Loan and lease loss provision to assets | 0.1322% | 923 |
| Net operating income to assets | 0.6122% | 3,846 |
| Return on assets (ROA) | 0.6492% | 3,809 |
| Pretax return on assets | 0.8231% | 3,679 |
| Return on Equity (ROE) | 7.3962% | 3,406 |
| Retained earnings to average equity (ytd only) | 5.9581% | 2,379 |
| Net charge-offs to loans | 0.0225% | 1,806 |
| Credit loss provision to net charge-offs | 1,125.8065% | 488 |
| Earnings coverage of net charge-offs (x) | 77.3871% | 1,018 |
| Efficiency ratio | 70.9118% | 1,626 |
| Assets per employee ($millions) | 5.9449% | 2,832 |
| Cash dividends to net income (ytd only)* | 19.4439% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2744% | 2,480 |
| Loan loss allowance to noncurrent loans | 495.1750% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 2,184 |
| Noncurrent loans to loans | 0.2574% | 2,688 |
| Net loans and leases to total assets | 49.4244% | 3,358 |
| Net loans and leases to deposits | 57.8177% | 3,271 |
| Net loans and leases to core deposits | 59.3684% | 3,365 |
| Total domestic deposits to total assets | 85.4831% | 3,096 |
| Equity capital to assets | 8.6560% | 3,930 |
| Core capital (leverage) ratio | 8.1071% | 4,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2594% | 2,142 |
| Memoranda: | ||
| Average total assets | $792,224,400 | 1,169 |
| Average earning assets | $741,570,600 | 1,164 |
| Average equity | $69,535,600 | 1,356 |
| Average total loans | $413,388,600 | 1,337 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0105% | 3,982 |
| Cost of funding earning assets | 0.4604% | 1,285 |
| Net interest margin | 2.5502% | 4,205 |
| Noninterest income to average assets | 0.7436% | 1,688 |
| Noninterest expense to average assets | 2.1319% | 3,274 |
| Loan and lease loss provision to assets | 0.1155% | 1,040 |
| Net operating income to assets | 0.6857% | 3,805 |
| Return on assets (ROA) | 0.7191% | 3,784 |
| Pretax return on assets | 0.9219% | 3,649 |
| Return on Equity (ROE) | 8.1637% | 3,356 |
| Retained earnings to average equity (ytd only) | 6.2360% | 2,729 |
| Net charge-offs to loans | 0.0383% | 1,318 |
| Credit loss provision to net charge-offs | 571.4286% | 721 |
| Earnings coverage of net charge-offs (x) | 49.2437% | 1,250 |
| Efficiency ratio | 68.1781% | 1,797 |
| Assets per employee ($millions) | 5.8212% | 2,865 |
| Cash dividends to net income (ytd only)* | 23.6128% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1631% | 3,150 |
| Loan loss allowance to noncurrent loans | 89.9647% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 0.7065% | 1,050 |
| Noncurrent loans to loans | 1.2929% | 842 |
| Net loans and leases to total assets | 50.1177% | 3,401 |
| Net loans and leases to deposits | 57.9024% | 3,414 |
| Net loans and leases to core deposits | 59.4887% | 3,509 |
| Total domestic deposits to total assets | 86.5554% | 2,528 |
| Equity capital to assets | 8.6337% | 4,115 |
| Core capital (leverage) ratio | 8.1892% | 4,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3512% | 2,229 |
| Memoranda: | ||
| Average total assets | $785,182,750 | 1,188 |
| Average earning assets | $733,846,500 | 1,184 |
| Average equity | $69,166,250 | 1,379 |
| Average total loans | $414,059,000 | 1,364 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9869% | 4,072 |
| Cost of funding earning assets | 0.5038% | 1,175 |
| Net interest margin | 2.4832% | 4,329 |
| Noninterest income to average assets | 0.7366% | 1,700 |
| Noninterest expense to average assets | 2.1857% | 3,136 |
| Loan and lease loss provision to assets | 0.1071% | 1,172 |
| Net operating income to assets | 0.6039% | 3,977 |
| Return on assets (ROA) | 0.6391% | 3,959 |
| Pretax return on assets | 0.8162% | 3,830 |
| Return on Equity (ROE) | 7.2041% | 3,603 |
| Retained earnings to average equity (ytd only) | 4.2886% | 3,429 |
| Net charge-offs to loans | 0.0445% | 1,188 |
| Credit loss provision to net charge-offs | 450.0000% | 715 |
| Earnings coverage of net charge-offs (x) | 36.9348% | 1,206 |
| Efficiency ratio | 71.3225% | 1,493 |
| Assets per employee ($millions) | 5.6427% | 2,969 |
| Cash dividends to net income (ytd only)* | 40.4694% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1143% | 3,357 |
| Loan loss allowance to noncurrent loans | 156.7632% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.4901% | 1,712 |
| Noncurrent loans to loans | 0.7108% | 1,663 |
| Net loans and leases to total assets | 50.9580% | 3,454 |
| Net loans and leases to deposits | 58.6106% | 3,487 |
| Net loans and leases to core deposits | 60.3577% | 3,594 |
| Total domestic deposits to total assets | 86.9434% | 2,357 |
| Equity capital to assets | 8.6050% | 4,126 |
| Core capital (leverage) ratio | 8.1028% | 4,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3603% | 2,221 |
| Memoranda: | ||
| Average total assets | $773,313,000 | 1,195 |
| Average earning assets | $724,954,667 | 1,192 |
| Average equity | $68,600,000 | 1,377 |
| Average total loans | $413,344,333 | 1,374 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9192% | 4,230 |
| Cost of funding earning assets | 0.5401% | 1,164 |
| Net interest margin | 2.3791% | 4,437 |
| Noninterest income to average assets | 0.8102% | 1,556 |
| Noninterest expense to average assets | 1.9996% | 3,714 |
| Loan and lease loss provision to assets | 0.1090% | 1,270 |
| Net operating income to assets | 0.7236% | 3,655 |
| Return on assets (ROA) | 0.7564% | 3,625 |
| Pretax return on assets | 0.9777% | 3,438 |
| Return on Equity (ROE) | 8.3945% | 3,217 |
| Retained earnings to average equity (ytd only) | 5.4716% | 3,073 |
| Net charge-offs to loans | 0.0919% | 734 |
| Credit loss provision to net charge-offs | 217.8947% | 864 |
| Earnings coverage of net charge-offs (x) | 20.8842% | 1,240 |
| Efficiency ratio | 65.6747% | 2,276 |
| Assets per employee ($millions) | 5.6066% | 3,014 |
| Cash dividends to net income (ytd only)* | 34.8189% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0663% | 3,590 |
| Loan loss allowance to noncurrent loans | 142.5649% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.4119% | 2,168 |
| Noncurrent loans to loans | 0.7479% | 1,740 |
| Net loans and leases to total assets | 51.9046% | 3,455 |
| Net loans and leases to deposits | 61.0704% | 3,403 |
| Net loans and leases to core deposits | 62.9756% | 3,499 |
| Total domestic deposits to total assets | 84.9915% | 3,097 |
| Equity capital to assets | 8.7334% | 3,925 |
| Core capital (leverage) ratio | 8.3937% | 4,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6481% | 2,427 |
| Memoranda: | ||
| Average total assets | $759,337,000 | 1,201 |
| Average earning assets | $713,209,000 | 1,190 |
| Average equity | $68,425,500 | 1,372 |
| Average total loans | $413,561,500 | 1,374 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5038% | 4,029 |
| Cost of funding earning assets | 0.7476% | 1,463 |
| Net interest margin | 2.7562% | 4,315 |
| Noninterest income to average assets | 0.8905% | 1,293 |
| Noninterest expense to average assets | 2.4505% | 2,990 |
| Loan and lease loss provision to assets | 0.1552% | 2,427 |
| Net operating income to assets | 0.6515% | 3,590 |
| Return on assets (ROA) | 0.6552% | 3,704 |
| Pretax return on assets | 0.8294% | 3,555 |
| Return on Equity (ROE) | 6.5904% | 3,372 |
| Retained earnings to average equity (ytd only) | -0.2808% | 4,559 |
| Net charge-offs to loans | 0.0601% | 1,915 |
| Credit loss provision to net charge-offs | 437.6569% | 1,355 |
| Earnings coverage of net charge-offs (x) | 27.6109% | 1,678 |
| Efficiency ratio | 71.4341% | 1,755 |
| Assets per employee ($millions) | 5.4757% | 2,866 |
| Cash dividends to net income (ytd only)* | 104.2611% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0305% | 3,753 |
| Loan loss allowance to noncurrent loans | 137.5321% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.4491% | 2,239 |
| Noncurrent loans to loans | 0.7493% | 1,829 |
| Net loans and leases to total assets | 56.0191% | 3,301 |
| Net loans and leases to deposits | 67.9211% | 3,086 |
| Net loans and leases to core deposits | 70.2949% | 3,237 |
| Total domestic deposits to total assets | 82.4767% | 3,544 |
| Equity capital to assets | 9.3084% | 3,780 |
| Core capital (leverage) ratio | 8.4999% | 4,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3596% | 2,499 |
| Memoranda: | ||
| Average total assets | $673,410,600 | 1,212 |
| Average earning assets | $620,558,600 | 1,227 |
| Average equity | $66,946,000 | 1,343 |
| Average total loans | $397,578,000 | 1,366 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7596% | 3,660 |
| Cost of funding earning assets | 0.7694% | 1,640 |
| Net interest margin | 2.9902% | 3,998 |
| Noninterest income to average assets | 0.8765% | 1,289 |
| Noninterest expense to average assets | 2.3994% | 3,133 |
| Loan and lease loss provision to assets | 0.1593% | 2,405 |
| Net operating income to assets | 0.8207% | 3,013 |
| Return on assets (ROA) | 0.8245% | 3,127 |
| Pretax return on assets | 1.0633% | 2,870 |
| Return on Equity (ROE) | 8.1490% | 2,749 |
| Retained earnings to average equity (ytd only) | 0.0420% | 4,473 |
| Net charge-offs to loans | -0.0166% | 4,367 |
| Credit loss provision to net charge-offs | -1,606.1224% | 4,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3326% | 2,426 |
| Assets per employee ($millions) | 5.5389% | 2,671 |
| Cash dividends to net income (ytd only)* | 99.4842% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0350% | 3,539 |
| Loan loss allowance to noncurrent loans | 138.1976% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.4344% | 2,440 |
| Noncurrent loans to loans | 0.7489% | 1,930 |
| Net loans and leases to total assets | 56.3553% | 3,588 |
| Net loans and leases to deposits | 66.9752% | 3,548 |
| Net loans and leases to core deposits | 69.2657% | 3,679 |
| Total domestic deposits to total assets | 84.1436% | 2,772 |
| Equity capital to assets | 9.3665% | 3,802 |
| Core capital (leverage) ratio | 8.9238% | 3,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1994% | 2,107 |
| Memoranda: | ||
| Average total assets | $658,327,250 | 1,222 |
| Average earning assets | $603,385,750 | 1,240 |
| Average equity | $66,607,500 | 1,333 |
| Average total loans | $393,143,250 | 1,372 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9446% | 3,484 |
| Cost of funding earning assets | 0.7579% | 2,064 |
| Net interest margin | 3.1866% | 3,707 |
| Noninterest income to average assets | 0.7280% | 1,646 |
| Noninterest expense to average assets | 2.5247% | 2,898 |
| Loan and lease loss provision to assets | 0.1199% | 2,824 |
| Net operating income to assets | 0.8069% | 3,026 |
| Return on assets (ROA) | 0.8069% | 3,137 |
| Pretax return on assets | 1.0302% | 2,929 |
| Return on Equity (ROE) | 7.7536% | 2,843 |
| Retained earnings to average equity (ytd only) | -4.5224% | 4,753 |
| Net charge-offs to loans | 0.0021% | 2,941 |
| Credit loss provision to net charge-offs | 9,500.0000% | 125 |
| Earnings coverage of net charge-offs (x) | 911.5000% | 102 |
| Efficiency ratio | 68.7039% | 2,140 |
| Assets per employee ($millions) | 5.9469% | 2,232 |
| Cash dividends to net income (ytd only)* | 158.3268% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9205% | 3,914 |
| Loan loss allowance to noncurrent loans | 133.2756% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.4400% | 2,556 |
| Noncurrent loans to loans | 0.6907% | 2,146 |
| Net loans and leases to total assets | 60.0579% | 3,318 |
| Net loans and leases to deposits | 72.1686% | 3,243 |
| Net loans and leases to core deposits | 74.8029% | 3,389 |
| Total domestic deposits to total assets | 83.2188% | 3,024 |
| Equity capital to assets | 9.6915% | 3,490 |
| Core capital (leverage) ratio | 9.3337% | 3,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5181% | 2,392 |
| Memoranda: | ||
| Average total assets | $634,057,667 | 1,244 |
| Average earning assets | $586,324,333 | 1,245 |
| Average equity | $65,982,667 | 1,334 |
| Average total loans | $385,410,000 | 1,375 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7144% | 4,367 |
| Cost of funding earning assets | 0.6429% | 3,202 |
| Net interest margin | 3.0715% | 4,156 |
| Noninterest income to average assets | 0.6635% | 1,792 |
| Noninterest expense to average assets | 2.7274% | 2,639 |
| Loan and lease loss provision to assets | 0.0733% | 2,816 |
| Net operating income to assets | 0.6293% | 3,519 |
| Return on assets (ROA) | 0.6293% | 3,578 |
| Pretax return on assets | 0.7531% | 3,540 |
| Return on Equity (ROE) | 5.7502% | 3,408 |
| Retained earnings to average equity (ytd only) | -18.7979% | 4,945 |
| Net charge-offs to loans | 0.0242% | 1,883 |
| Credit loss provision to net charge-offs | 529.4118% | 851 |
| Earnings coverage of net charge-offs (x) | 59.7059% | 809 |
| Efficiency ratio | 76.7468% | 1,482 |
| Assets per employee ($millions) | 4.2309% | 3,617 |
| Cash dividends to net income (ytd only)* | 426.9082% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 2,361 |
| Loan loss allowance to noncurrent loans | 134.1657% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.5685% | 2,292 |
| Noncurrent loans to loans | 0.9359% | 1,761 |
| Net loans and leases to total assets | 56.8209% | 3,766 |
| Net loans and leases to deposits | 69.1494% | 3,653 |
| Net loans and leases to core deposits | 70.5660% | 3,845 |
| Total domestic deposits to total assets | 82.1712% | 3,365 |
| Equity capital to assets | 10.7138% | 3,121 |
| Core capital (leverage) ratio | 9.9412% | 3,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7008% | 2,004 |
| Memoranda: | ||
| Average total assets | $491,305,500 | 1,488 |
| Average earning assets | $462,311,500 | 1,456 |
| Average equity | $53,772,000 | 1,552 |
| Average total loans | $281,239,000 | 1,709 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8738% | 4,481 |
| Cost of funding earning assets | 0.6627% | 3,344 |
| Net interest margin | 3.2111% | 4,162 |
| Noninterest income to average assets | 0.6842% | 1,868 |
| Noninterest expense to average assets | 2.6851% | 2,926 |
| Loan and lease loss provision to assets | 0.0744% | 2,504 |
| Net operating income to assets | 0.7423% | 3,726 |
| Return on assets (ROA) | 0.7451% | 3,794 |
| Pretax return on assets | 0.9212% | 3,675 |
| Return on Equity (ROE) | 6.7034% | 3,660 |
| Retained earnings to average equity (ytd only) | 5.1697% | 2,325 |
| Net charge-offs to loans | -0.0004% | 4,140 |
| Credit loss provision to net charge-offs | -36,000.0000% | 4,730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0205% | 1,730 |
| Assets per employee ($millions) | 4.3525% | 3,432 |
| Cash dividends to net income (ytd only)* | 22.8785% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2401% | 2,230 |
| Loan loss allowance to noncurrent loans | 184.9308% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.4016% | 2,789 |
| Noncurrent loans to loans | 0.6706% | 2,210 |
| Net loans and leases to total assets | 56.2375% | 3,910 |
| Net loans and leases to deposits | 70.0568% | 3,665 |
| Net loans and leases to core deposits | 71.2265% | 3,898 |
| Total domestic deposits to total assets | 80.2742% | 3,920 |
| Equity capital to assets | 11.1752% | 2,839 |
| Core capital (leverage) ratio | 10.3939% | 3,075 |
| Tier 1 risk-based capital ratio | 14.2872% | 3,128 |
| Total risk-based capital ratio | 15.2656% | 3,174 |
| Memoranda: | ||
| Average total assets | $483,930,000 | 1,467 |
| Average earning assets | $451,058,800 | 1,451 |
| Average equity | $53,793,800 | 1,502 |
| Average total loans | $269,851,800 | 1,731 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8989% | 4,541 |
| Cost of funding earning assets | 0.6617% | 3,390 |
| Net interest margin | 3.2372% | 4,219 |
| Noninterest income to average assets | 0.6529% | 1,976 |
| Noninterest expense to average assets | 2.5916% | 3,187 |
| Loan and lease loss provision to assets | 0.0664% | 2,558 |
| Net operating income to assets | 0.8100% | 3,646 |
| Return on assets (ROA) | 0.8097% | 3,725 |
| Pretax return on assets | 1.0075% | 3,575 |
| Return on Equity (ROE) | 7.2943% | 3,585 |
| Retained earnings to average equity (ytd only) | 6.4844% | 2,126 |
| Net charge-offs to loans | -0.0200% | 4,584 |
| Credit loss provision to net charge-offs | -600.0000% | 4,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6966% | 2,022 |
| Assets per employee ($millions) | 4.5799% | 3,082 |
| Cash dividends to net income (ytd only)* | 11.1035% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2285% | 2,340 |
| Loan loss allowance to noncurrent loans | 171.7468% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.4188% | 2,833 |
| Noncurrent loans to loans | 0.7153% | 2,175 |
| Net loans and leases to total assets | 56.1768% | 4,035 |
| Net loans and leases to deposits | 67.9631% | 3,919 |
| Net loans and leases to core deposits | 69.0511% | 4,102 |
| Total domestic deposits to total assets | 82.6577% | 3,266 |
| Equity capital to assets | 11.3207% | 2,822 |
| Core capital (leverage) ratio | 10.5789% | 3,027 |
| Tier 1 risk-based capital ratio | 14.8029% | 2,953 |
| Total risk-based capital ratio | 15.7966% | 2,979 |
| Memoranda: | ||
| Average total assets | $481,954,500 | 1,481 |
| Average earning assets | $448,562,000 | 1,467 |
| Average equity | $53,501,500 | 1,505 |
| Average total loans | $267,298,000 | 1,755 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8951% | 4,564 |
| Cost of funding earning assets | 0.6538% | 3,390 |
| Net interest margin | 3.2413% | 4,266 |
| Noninterest income to average assets | 0.6061% | 2,120 |
| Noninterest expense to average assets | 2.5500% | 3,330 |
| Loan and lease loss provision to assets | 0.0686% | 2,447 |
| Net operating income to assets | 0.8128% | 3,607 |
| Return on assets (ROA) | 0.8124% | 3,667 |
| Pretax return on assets | 1.0063% | 3,521 |
| Return on Equity (ROE) | 7.3676% | 3,544 |
| Retained earnings to average equity (ytd only) | 6.1416% | 2,219 |
| Net charge-offs to loans | -0.0333% | 4,716 |
| Credit loss provision to net charge-offs | -375.0000% | 4,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3385% | 2,172 |
| Assets per employee ($millions) | 4.6487% | 2,939 |
| Cash dividends to net income (ytd only)* | 16.6411% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2332% | 2,343 |
| Loan loss allowance to noncurrent loans | 216.2109% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.5929% | 2,242 |
| Noncurrent loans to loans | 0.5704% | 2,550 |
| Net loans and leases to total assets | 54.4907% | 4,182 |
| Net loans and leases to deposits | 66.7991% | 4,038 |
| Net loans and leases to core deposits | 67.9630% | 4,205 |
| Total domestic deposits to total assets | 81.5741% | 3,644 |
| Equity capital to assets | 11.2006% | 2,855 |
| Core capital (leverage) ratio | 10.6521% | 2,935 |
| Tier 1 risk-based capital ratio | 15.0713% | 2,803 |
| Total risk-based capital ratio | 16.0577% | 2,843 |
| Memoranda: | ||
| Average total assets | $480,781,670 | 1,485 |
| Average earning assets | $447,845,000 | 1,474 |
| Average equity | $53,015,670 | 1,510 |
| Average total loans | $264,359,000 | 1,770 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9148% | 4,528 |
| Cost of funding earning assets | 0.6550% | 3,298 |
| Net interest margin | 3.2598% | 4,250 |
| Noninterest income to average assets | 0.5634% | 2,212 |
| Noninterest expense to average assets | 2.3466% | 3,903 |
| Loan and lease loss provision to assets | 0.0755% | 2,173 |
| Net operating income to assets | 0.9398% | 3,091 |
| Return on assets (ROA) | 0.9398% | 3,133 |
| Pretax return on assets | 1.1746% | 2,900 |
| Return on Equity (ROE) | 8.5921% | 2,993 |
| Retained earnings to average equity (ytd only) | 8.5921% | 1,453 |
| Net charge-offs to loans | -0.0794% | 4,968 |
| Credit loss provision to net charge-offs | -173.0769% | 3,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2448% | 3,051 |
| Assets per employee ($millions) | 4.6113% | 3,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2363% | 2,396 |
| Loan loss allowance to noncurrent loans | 204.1405% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.6502% | 2,147 |
| Noncurrent loans to loans | 0.6056% | 2,522 |
| Net loans and leases to total assets | 54.2035% | 4,198 |
| Net loans and leases to deposits | 64.4401% | 4,157 |
| Net loans and leases to core deposits | 65.5954% | 4,298 |
| Total domestic deposits to total assets | 84.1146% | 3,007 |
| Equity capital to assets | 11.1185% | 2,729 |
| Core capital (leverage) ratio | 10.5132% | 3,038 |
| Tier 1 risk-based capital ratio | 15.6259% | 2,599 |
| Total risk-based capital ratio | 16.6381% | 2,623 |
| Memoranda: | ||
| Average total assets | $477,114,500 | 1,501 |
| Average earning assets | $443,953,500 | 1,495 |
| Average equity | $52,187,500 | 1,522 |
| Average total loans | $261,889,000 | 1,797 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7603% | 4,572 |
| Cost of funding earning assets | 0.5817% | 2,842 |
| Net interest margin | 3.1786% | 4,520 |
| Noninterest income to average assets | 0.6463% | 2,056 |
| Noninterest expense to average assets | 2.8058% | 2,670 |
| Loan and lease loss provision to assets | 0.0988% | 2,208 |
| Net operating income to assets | 0.5867% | 4,457 |
| Return on assets (ROA) | 0.6035% | 4,416 |
| Pretax return on assets | 0.7073% | 4,395 |
| Return on Equity (ROE) | 5.6199% | 4,284 |
| Retained earnings to average equity (ytd only) | 4.0193% | 3,356 |
| Net charge-offs to loans | 0.0337% | 2,732 |
| Credit loss provision to net charge-offs | 567.9012% | 619 |
| Earnings coverage of net charge-offs (x) | 45.1852% | 1,203 |
| Efficiency ratio | 78.1087% | 1,117 |
| Assets per employee ($millions) | 4.6995% | 2,879 |
| Cash dividends to net income (ytd only)* | 28.4799% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 2,602 |
| Loan loss allowance to noncurrent loans | 198.3429% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.6310% | 2,151 |
| Noncurrent loans to loans | 0.6021% | 2,475 |
| Net loans and leases to total assets | 54.2428% | 4,263 |
| Net loans and leases to deposits | 63.3708% | 4,288 |
| Net loans and leases to core deposits | 64.4960% | 4,434 |
| Total domestic deposits to total assets | 85.5959% | 2,394 |
| Equity capital to assets | 10.7559% | 2,927 |
| Core capital (leverage) ratio | 10.3898% | 3,151 |
| Tier 1 risk-based capital ratio | 15.8985% | 2,444 |
| Total risk-based capital ratio | 16.9059% | 2,477 |
| Memoranda: | ||
| Average total assets | $465,433,600 | 1,503 |
| Average earning assets | $431,347,200 | 1,498 |
| Average equity | $49,983,400 | 1,522 |
| Average total loans | $240,260,200 | 1,877 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7086% | 4,626 |
| Cost of funding earning assets | 0.5605% | 2,785 |
| Net interest margin | 3.1481% | 4,619 |
| Noninterest income to average assets | 0.6391% | 2,123 |
| Noninterest expense to average assets | 2.8271% | 2,545 |
| Loan and lease loss provision to assets | 0.1036% | 1,933 |
| Net operating income to assets | 0.5428% | 4,663 |
| Return on assets (ROA) | 0.5588% | 4,627 |
| Pretax return on assets | 0.6437% | 4,646 |
| Return on Equity (ROE) | 5.2054% | 4,496 |
| Retained earnings to average equity (ytd only) | 4.4009% | 3,556 |
| Net charge-offs to loans | 0.0499% | 2,116 |
| Credit loss provision to net charge-offs | 409.0909% | 811 |
| Earnings coverage of net charge-offs (x) | 28.7729% | 1,651 |
| Efficiency ratio | 79.5013% | 992 |
| Assets per employee ($millions) | 4.3923% | 3,287 |
| Cash dividends to net income (ytd only)* | 15.4559% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 2,470 |
| Loan loss allowance to noncurrent loans | 183.6797% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.6450% | 2,257 |
| Noncurrent loans to loans | 0.6683% | 2,405 |
| Net loans and leases to total assets | 51.9377% | 4,488 |
| Net loans and leases to deposits | 60.6355% | 4,518 |
| Net loans and leases to core deposits | 61.6889% | 4,630 |
| Total domestic deposits to total assets | 85.6556% | 2,345 |
| Equity capital to assets | 10.6643% | 2,967 |
| Core capital (leverage) ratio | 10.5707% | 3,004 |
| Tier 1 risk-based capital ratio | 16.7155% | 2,202 |
| Total risk-based capital ratio | 17.7460% | 2,212 |
| Memoranda: | ||
| Average total assets | $463,129,250 | 1,515 |
| Average earning assets | $429,121,500 | 1,511 |
| Average equity | $49,716,000 | 1,534 |
| Average total loans | $235,181,250 | 1,918 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6671% | 4,656 |
| Cost of funding earning assets | 0.5494% | 2,614 |
| Net interest margin | 3.1176% | 4,697 |
| Noninterest income to average assets | 0.6580% | 2,054 |
| Noninterest expense to average assets | 2.8526% | 2,492 |
| Loan and lease loss provision to assets | 0.1168% | 1,697 |
| Net operating income to assets | 0.5106% | 4,726 |
| Return on assets (ROA) | 0.5256% | 4,695 |
| Pretax return on assets | 0.5922% | 4,750 |
| Return on Equity (ROE) | 4.8856% | 4,580 |
| Retained earnings to average equity (ytd only) | 3.6793% | 3,756 |
| Net charge-offs to loans | 0.0466% | 1,947 |
| Credit loss provision to net charge-offs | 500.0000% | 700 |
| Earnings coverage of net charge-offs (x) | 29.6296% | 1,515 |
| Efficiency ratio | 80.4735% | 964 |
| Assets per employee ($millions) | 4.2411% | 3,515 |
| Cash dividends to net income (ytd only)* | 24.6914% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2700% | 2,322 |
| Loan loss allowance to noncurrent loans | 205.0765% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.6212% | 2,358 |
| Noncurrent loans to loans | 0.6193% | 2,561 |
| Net loans and leases to total assets | 49.1427% | 4,653 |
| Net loans and leases to deposits | 57.1811% | 4,687 |
| Net loans and leases to core deposits | 58.0561% | 4,792 |
| Total domestic deposits to total assets | 85.9422% | 2,308 |
| Equity capital to assets | 10.6267% | 3,002 |
| Core capital (leverage) ratio | 10.4816% | 3,050 |
| Tier 1 risk-based capital ratio | 17.2689% | 2,017 |
| Total risk-based capital ratio | 18.3295% | 2,018 |
| Memoranda: | ||
| Average total assets | $462,312,000 | 1,529 |
| Average earning assets | $428,081,330 | 1,521 |
| Average equity | $49,737,670 | 1,532 |
| Average total loans | $231,969,330 | 1,944 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6378% | 4,623 |
| Cost of funding earning assets | 0.5365% | 2,499 |
| Net interest margin | 3.1013% | 4,705 |
| Noninterest income to average assets | 0.6675% | 1,968 |
| Noninterest expense to average assets | 2.6858% | 3,082 |
| Loan and lease loss provision to assets | 0.1173% | 1,610 |
| Net operating income to assets | 0.6362% | 4,320 |
| Return on assets (ROA) | 0.6475% | 4,295 |
| Pretax return on assets | 0.7466% | 4,308 |
| Return on Equity (ROE) | 5.9817% | 4,159 |
| Retained earnings to average equity (ytd only) | 5.9817% | 2,713 |
| Net charge-offs to loans | 0.0949% | 1,228 |
| Credit loss provision to net charge-offs | 245.4545% | 924 |
| Earnings coverage of net charge-offs (x) | 17.8000% | 1,561 |
| Efficiency ratio | 75.9400% | 1,599 |
| Assets per employee ($millions) | 4.1775% | 3,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2216% | 2,674 |
| Loan loss allowance to noncurrent loans | 180.5003% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.8089% | 1,962 |
| Noncurrent loans to loans | 0.6768% | 2,519 |
| Net loans and leases to total assets | 49.5141% | 4,593 |
| Net loans and leases to deposits | 57.4477% | 4,617 |
| Net loans and leases to core deposits | 58.3459% | 4,736 |
| Total domestic deposits to total assets | 86.1898% | 2,456 |
| Equity capital to assets | 10.7712% | 2,802 |
| Core capital (leverage) ratio | 10.6132% | 2,838 |
| Tier 1 risk-based capital ratio | 16.9626% | 2,126 |
| Total risk-based capital ratio | 17.9602% | 2,154 |
| Memoranda: | ||
| Average total assets | $460,205,500 | 1,538 |
| Average earning assets | $425,754,000 | 1,534 |
| Average equity | $49,818,500 | 1,538 |
| Average total loans | $231,848,000 | 1,949 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5766% | 4,621 |
| Cost of funding earning assets | 0.4964% | 2,368 |
| Net interest margin | 3.0802% | 4,729 |
| Noninterest income to average assets | 0.6291% | 2,310 |
| Noninterest expense to average assets | 2.6395% | 3,319 |
| Loan and lease loss provision to assets | 0.1600% | 1,400 |
| Net operating income to assets | 0.5882% | 4,061 |
| Return on assets (ROA) | 0.6472% | 3,865 |
| Pretax return on assets | 0.7482% | 4,392 |
| Return on Equity (ROE) | 6.0019% | 3,762 |
| Retained earnings to average equity (ytd only) | 4.0840% | 2,724 |
| Net charge-offs to loans | 0.0684% | 2,477 |
| Credit loss provision to net charge-offs | 506.8966% | 609 |
| Earnings coverage of net charge-offs (x) | 26.6000% | 1,667 |
| Efficiency ratio | 75.8666% | 1,638 |
| Assets per employee ($millions) | 4.3073% | 3,474 |
| Cash dividends to net income (ytd only)* | 31.9543% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 2,944 |
| Loan loss allowance to noncurrent loans | 252.3546% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.7056% | 2,211 |
| Noncurrent loans to loans | 0.4641% | 3,119 |
| Net loans and leases to total assets | 50.0383% | 4,646 |
| Net loans and leases to deposits | 60.5723% | 4,529 |
| Net loans and leases to core deposits | 61.4638% | 4,683 |
| Total domestic deposits to total assets | 82.6092% | 3,692 |
| Equity capital to assets | 10.8792% | 2,753 |
| Core capital (leverage) ratio | 10.2683% | 3,106 |
| Tier 1 risk-based capital ratio | 16.6862% | 2,208 |
| Total risk-based capital ratio | 17.6544% | 2,231 |
| Memoranda: | ||
| Average total assets | $459,365,400 | 1,516 |
| Average earning assets | $425,037,800 | 1,518 |
| Average equity | $49,534,400 | 1,531 |
| Average total loans | $212,027,800 | 2,058 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5298% | 4,743 |
| Cost of funding earning assets | 0.4927% | 2,329 |
| Net interest margin | 3.0372% | 4,835 |
| Noninterest income to average assets | 0.6103% | 2,421 |
| Noninterest expense to average assets | 2.6211% | 3,347 |
| Loan and lease loss provision to assets | 0.1699% | 1,188 |
| Net operating income to assets | 0.5433% | 4,603 |
| Return on assets (ROA) | 0.6135% | 4,386 |
| Pretax return on assets | 0.7105% | 4,584 |
| Return on Equity (ROE) | 5.7022% | 4,245 |
| Retained earnings to average equity (ytd only) | 4.0823% | 3,491 |
| Net charge-offs to loans | 0.0858% | 1,942 |
| Credit loss provision to net charge-offs | 439.8496% | 714 |
| Earnings coverage of net charge-offs (x) | 20.6766% | 1,939 |
| Efficiency ratio | 76.6415% | 1,504 |
| Assets per employee ($millions) | 4.2535% | 3,558 |
| Cash dividends to net income (ytd only)* | 28.4091% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1399% | 3,251 |
| Loan loss allowance to noncurrent loans | 287.3754% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.6978% | 2,413 |
| Noncurrent loans to loans | 0.3967% | 3,533 |
| Net loans and leases to total assets | 48.5410% | 4,797 |
| Net loans and leases to deposits | 56.8462% | 4,821 |
| Net loans and leases to core deposits | 57.7004% | 4,925 |
| Total domestic deposits to total assets | 85.3900% | 2,562 |
| Equity capital to assets | 10.9184% | 2,943 |
| Core capital (leverage) ratio | 10.3673% | 3,114 |
| Tier 1 risk-based capital ratio | 16.7490% | 2,232 |
| Total risk-based capital ratio | 17.6800% | 2,295 |
| Memoranda: | ||
| Average total assets | $458,986,500 | 1,529 |
| Average earning assets | $424,598,000 | 1,533 |
| Average equity | $49,383,000 | 1,546 |
| Average total loans | $206,697,250 | 2,116 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5212% | 4,712 |
| Cost of funding earning assets | 0.4960% | 2,197 |
| Net interest margin | 3.0252% | 4,854 |
| Noninterest income to average assets | 0.5889% | 2,519 |
| Noninterest expense to average assets | 2.6482% | 3,272 |
| Loan and lease loss provision to assets | 0.1421% | 1,437 |
| Net operating income to assets | 0.5195% | 4,656 |
| Return on assets (ROA) | 0.5872% | 4,412 |
| Pretax return on assets | 0.6676% | 4,638 |
| Return on Equity (ROE) | 5.4850% | 4,278 |
| Retained earnings to average equity (ytd only) | 3.0345% | 3,908 |
| Net charge-offs to loans | 0.1242% | 1,416 |
| Credit loss provision to net charge-offs | 262.0968% | 1,050 |
| Earnings coverage of net charge-offs (x) | 13.5161% | 2,128 |
| Efficiency ratio | 78.3267% | 1,416 |
| Assets per employee ($millions) | 4.3449% | 3,352 |
| Cash dividends to net income (ytd only)* | 44.6761% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 3,413 |
| Loan loss allowance to noncurrent loans | 297.4619% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.7480% | 2,324 |
| Noncurrent loans to loans | 0.3804% | 3,660 |
| Net loans and leases to total assets | 44.4682% | 5,015 |
| Net loans and leases to deposits | 51.6647% | 5,073 |
| Net loans and leases to core deposits | 52.4782% | 5,132 |
| Total domestic deposits to total assets | 86.0708% | 2,353 |
| Equity capital to assets | 10.8709% | 2,949 |
| Core capital (leverage) ratio | 10.1045% | 3,400 |
| Tier 1 risk-based capital ratio | 17.6509% | 1,959 |
| Total risk-based capital ratio | 18.5520% | 2,018 |
| Memoranda: | ||
| Average total assets | $457,439,000 | 1,535 |
| Average earning assets | $422,182,330 | 1,541 |
| Average equity | $48,970,330 | 1,558 |
| Average total loans | $199,714,670 | 2,169 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4758% | 4,762 |
| Cost of funding earning assets | 0.4976% | 2,106 |
| Net interest margin | 2.9781% | 4,937 |
| Noninterest income to average assets | 0.6668% | 2,111 |
| Noninterest expense to average assets | 2.5665% | 3,600 |
| Loan and lease loss provision to assets | 0.1360% | 1,405 |
| Net operating income to assets | 0.5951% | 4,186 |
| Return on assets (ROA) | 0.6423% | 4,000 |
| Pretax return on assets | 0.7669% | 4,225 |
| Return on Equity (ROE) | 6.0468% | 3,887 |
| Retained earnings to average equity (ytd only) | 6.0468% | 2,306 |
| Net charge-offs to loans | 0.0857% | 1,493 |
| Credit loss provision to net charge-offs | 369.0476% | 691 |
| Earnings coverage of net charge-offs (x) | 22.9762% | 1,398 |
| Efficiency ratio | 75.1928% | 2,035 |
| Assets per employee ($millions) | 4.3615% | 3,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 3,615 |
| Loan loss allowance to noncurrent loans | 221.6110% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.8959% | 2,071 |
| Noncurrent loans to loans | 0.5037% | 3,296 |
| Net loans and leases to total assets | 43.6400% | 5,059 |
| Net loans and leases to deposits | 50.3936% | 5,109 |
| Net loans and leases to core deposits | 51.2858% | 5,175 |
| Total domestic deposits to total assets | 86.5982% | 2,404 |
| Equity capital to assets | 10.7424% | 2,914 |
| Core capital (leverage) ratio | 10.2562% | 3,182 |
| Tier 1 risk-based capital ratio | 18.0127% | 1,871 |
| Total risk-based capital ratio | 18.8980% | 1,946 |
| Memoranda: | ||
| Average total assets | $455,879,500 | 1,550 |
| Average earning assets | $420,397,000 | 1,559 |
| Average equity | $48,422,000 | 1,571 |
| Average total loans | $195,999,000 | 2,219 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4392% | 4,904 |
| Cost of funding earning assets | 0.5406% | 1,783 |
| Net interest margin | 2.8986% | 5,140 |
| Noninterest income to average assets | 0.6962% | 2,193 |
| Noninterest expense to average assets | 2.6570% | 3,499 |
| Loan and lease loss provision to assets | 0.0687% | 2,986 |
| Net operating income to assets | 0.5744% | 4,329 |
| Return on assets (ROA) | 0.6156% | 4,261 |
| Pretax return on assets | 0.6960% | 4,501 |
| Return on Equity (ROE) | 5.5578% | 4,178 |
| Retained earnings to average equity (ytd only) | 3.9310% | 3,127 |
| Net charge-offs to loans | 0.1187% | 2,070 |
| Credit loss provision to net charge-offs | 138.6364% | 1,971 |
| Earnings coverage of net charge-offs (x) | 14.4864% | 2,282 |
| Efficiency ratio | 78.7292% | 1,587 |
| Assets per employee ($millions) | 4.1254% | 3,741 |
| Cash dividends to net income (ytd only)* | 29.2719% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 3,550 |
| Loan loss allowance to noncurrent loans | 176.5239% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.9577% | 1,979 |
| Noncurrent loans to loans | 0.6393% | 2,936 |
| Net loans and leases to total assets | 41.3719% | 5,259 |
| Net loans and leases to deposits | 48.4746% | 5,276 |
| Net loans and leases to core deposits | 49.3594% | 5,319 |
| Total domestic deposits to total assets | 85.3477% | 2,903 |
| Equity capital to assets | 10.4998% | 3,158 |
| Core capital (leverage) ratio | 10.1675% | 3,273 |
| Tier 1 risk-based capital ratio | 18.0414% | 1,835 |
| Total risk-based capital ratio | 18.8974% | 1,926 |
| Memoranda: | ||
| Average total assets | $443,960,800 | 1,532 |
| Average earning assets | $410,267,200 | 1,532 |
| Average equity | $49,173,800 | 1,542 |
| Average total loans | $185,409,800 | 2,257 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4116% | 5,007 |
| Cost of funding earning assets | 0.5439% | 1,758 |
| Net interest margin | 2.8677% | 5,234 |
| Noninterest income to average assets | 0.6605% | 2,362 |
| Noninterest expense to average assets | 2.6971% | 3,357 |
| Loan and lease loss provision to assets | 0.0559% | 3,131 |
| Net operating income to assets | 0.5213% | 4,613 |
| Return on assets (ROA) | 0.5605% | 4,559 |
| Pretax return on assets | 0.6061% | 4,862 |
| Return on Equity (ROE) | 4.9936% | 4,522 |
| Retained earnings to average equity (ytd only) | 3.3793% | 3,877 |
| Net charge-offs to loans | 0.1613% | 1,413 |
| Credit loss provision to net charge-offs | 82.9596% | 2,628 |
| Earnings coverage of net charge-offs (x) | 9.1972% | 2,696 |
| Efficiency ratio | 81.3240% | 1,271 |
| Assets per employee ($millions) | 4.1360% | 3,722 |
| Cash dividends to net income (ytd only)* | 32.3276% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0807% | 3,939 |
| Loan loss allowance to noncurrent loans | 183.4696% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.9593% | 2,161 |
| Noncurrent loans to loans | 0.5890% | 3,240 |
| Net loans and leases to total assets | 41.3920% | 5,320 |
| Net loans and leases to deposits | 48.1871% | 5,373 |
| Net loans and leases to core deposits | 49.0688% | 5,418 |
| Total domestic deposits to total assets | 85.8985% | 2,413 |
| Equity capital to assets | 11.3784% | 2,623 |
| Core capital (leverage) ratio | 10.3023% | 3,227 |
| Tier 1 risk-based capital ratio | 18.8292% | 1,711 |
| Total risk-based capital ratio | 19.6841% | 1,766 |
| Memoranda: | ||
| Average total assets | $441,501,500 | 1,537 |
| Average earning assets | $408,905,000 | 1,536 |
| Average equity | $49,555,250 | 1,534 |
| Average total loans | $184,290,250 | 2,274 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4407% | 5,002 |
| Cost of funding earning assets | 0.5455% | 1,731 |
| Net interest margin | 2.8952% | 5,274 |
| Noninterest income to average assets | 0.6067% | 2,581 |
| Noninterest expense to average assets | 2.7260% | 3,288 |
| Loan and lease loss provision to assets | 0.0546% | 3,059 |
| Net operating income to assets | 0.4945% | 4,704 |
| Return on assets (ROA) | 0.5134% | 4,735 |
| Pretax return on assets | 0.5298% | 5,074 |
| Return on Equity (ROE) | 4.5958% | 4,679 |
| Retained earnings to average equity (ytd only) | 2.1534% | 4,495 |
| Net charge-offs to loans | 0.0589% | 2,347 |
| Credit loss provision to net charge-offs | 222.2222% | 1,206 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,607 |
| Efficiency ratio | 82.8358% | 1,170 |
| Assets per employee ($millions) | 4.1531% | 3,647 |
| Cash dividends to net income (ytd only)* | 53.1444% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 3,548 |
| Loan loss allowance to noncurrent loans | 130.4668% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 1.0225% | 2,094 |
| Noncurrent loans to loans | 0.8935% | 2,493 |
| Net loans and leases to total assets | 40.5248% | 5,393 |
| Net loans and leases to deposits | 47.4056% | 5,444 |
| Net loans and leases to core deposits | 48.2833% | 5,488 |
| Total domestic deposits to total assets | 85.4852% | 2,651 |
| Equity capital to assets | 11.3223% | 2,721 |
| Core capital (leverage) ratio | 10.1970% | 3,337 |
| Tier 1 risk-based capital ratio | 18.9012% | 1,712 |
| Total risk-based capital ratio | 19.8185% | 1,748 |
| Memoranda: | ||
| Average total assets | $439,772,000 | 1,543 |
| Average earning assets | $407,704,000 | 1,537 |
| Average equity | $49,131,670 | 1,547 |
| Average total loans | $183,415,670 | 2,280 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4996% | 4,894 |
| Cost of funding earning assets | 0.5505% | 1,709 |
| Net interest margin | 2.9491% | 5,223 |
| Noninterest income to average assets | 0.7141% | 1,967 |
| Noninterest expense to average assets | 2.7129% | 3,372 |
| Loan and lease loss provision to assets | 0.0411% | 3,099 |
| Net operating income to assets | 0.6070% | 4,146 |
| Return on assets (ROA) | 0.6327% | 4,166 |
| Pretax return on assets | 0.7178% | 4,462 |
| Return on Equity (ROE) | 5.7025% | 4,134 |
| Retained earnings to average equity (ytd only) | 5.7025% | 2,528 |
| Net charge-offs to loans | 0.0109% | 2,758 |
| Credit loss provision to net charge-offs | 900.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 159.6000% | 375 |
| Efficiency ratio | 78.8048% | 1,782 |
| Assets per employee ($millions) | 4.0972% | 3,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1373% | 3,854 |
| Loan loss allowance to noncurrent loans | 174.6045% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 1.0103% | 2,191 |
| Noncurrent loans to loans | 0.6514% | 3,217 |
| Net loans and leases to total assets | 41.5782% | 5,371 |
| Net loans and leases to deposits | 48.4034% | 5,407 |
| Net loans and leases to core deposits | 49.2583% | 5,472 |
| Total domestic deposits to total assets | 85.8994% | 2,714 |
| Equity capital to assets | 11.2235% | 2,707 |
| Core capital (leverage) ratio | 10.3449% | 3,133 |
| Tier 1 risk-based capital ratio | 18.8124% | 1,779 |
| Total risk-based capital ratio | 19.7105% | 1,820 |
| Memoranda: | ||
| Average total assets | $437,468,000 | 1,557 |
| Average earning assets | $404,731,000 | 1,548 |
| Average equity | $48,540,500 | 1,561 |
| Average total loans | $184,019,500 | 2,273 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3638% | 5,238 |
| Cost of funding earning assets | 0.5967% | 1,380 |
| Net interest margin | 2.7671% | 5,575 |
| Noninterest income to average assets | 0.7152% | 2,126 |
| Noninterest expense to average assets | 2.5819% | 3,983 |
| Loan and lease loss provision to assets | 0.0193% | 4,023 |
| Net operating income to assets | 0.5752% | 4,399 |
| Return on assets (ROA) | 0.6362% | 4,192 |
| Pretax return on assets | 0.7367% | 4,414 |
| Return on Equity (ROE) | 6.0027% | 4,029 |
| Retained earnings to average equity (ytd only) | 3.3248% | 3,686 |
| Net charge-offs to loans | -0.0244% | 5,334 |
| Credit loss provision to net charge-offs | -188.8889% | 5,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0271% | 1,812 |
| Assets per employee ($millions) | 4.1183% | 3,725 |
| Cash dividends to net income (ytd only)* | 44.6110% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1205% | 3,922 |
| Loan loss allowance to noncurrent loans | 173.0866% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 1.0432% | 2,102 |
| Noncurrent loans to loans | 0.6474% | 3,241 |
| Net loans and leases to total assets | 41.6014% | 5,432 |
| Net loans and leases to deposits | 48.8163% | 5,449 |
| Net loans and leases to core deposits | 49.6680% | 5,518 |
| Total domestic deposits to total assets | 85.2202% | 2,994 |
| Equity capital to assets | 10.9675% | 2,856 |
| Core capital (leverage) ratio | 9.9583% | 3,564 |
| Tier 1 risk-based capital ratio | 17.9468% | 1,981 |
| Total risk-based capital ratio | 18.8011% | 2,060 |
| Memoranda: | ||
| Average total assets | $440,454,600 | 1,515 |
| Average earning assets | $406,204,400 | 1,510 |
| Average equity | $46,679,000 | 1,582 |
| Average total loans | $184,066,600 | 2,197 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2854% | 5,432 |
| Cost of funding earning assets | 0.6070% | 1,366 |
| Net interest margin | 2.6784% | 5,745 |
| Noninterest income to average assets | 0.7122% | 2,177 |
| Noninterest expense to average assets | 2.5516% | 4,041 |
| Loan and lease loss provision to assets | 0.0211% | 3,852 |
| Net operating income to assets | 0.5314% | 4,671 |
| Return on assets (ROA) | 0.6011% | 4,487 |
| Pretax return on assets | 0.6893% | 4,714 |
| Return on Equity (ROE) | 5.7208% | 4,287 |
| Retained earnings to average equity (ytd only) | 3.5647% | 3,926 |
| Net charge-offs to loans | -0.0311% | 5,370 |
| Credit loss provision to net charge-offs | -162.7907% | 5,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1898% | 1,638 |
| Assets per employee ($millions) | 4.1675% | 3,588 |
| Cash dividends to net income (ytd only)* | 37.6886% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1167% | 4,132 |
| Loan loss allowance to noncurrent loans | 133.1376% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 1.1640% | 2,041 |
| Noncurrent loans to loans | 0.8387% | 2,872 |
| Net loans and leases to total assets | 40.9125% | 5,549 |
| Net loans and leases to deposits | 47.6359% | 5,590 |
| Net loans and leases to core deposits | 48.4481% | 5,636 |
| Total domestic deposits to total assets | 85.8858% | 2,596 |
| Equity capital to assets | 10.7961% | 3,244 |
| Core capital (leverage) ratio | 9.9352% | 3,726 |
| Tier 1 risk-based capital ratio | 17.3470% | 2,240 |
| Total risk-based capital ratio | 18.1647% | 2,358 |
| Memoranda: | ||
| Average total assets | $441,434,250 | 1,528 |
| Average earning assets | $407,043,750 | 1,519 |
| Average equity | $46,379,500 | 1,600 |
| Average total loans | $184,167,500 | 2,214 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2816% | 5,471 |
| Cost of funding earning assets | 0.6366% | 1,188 |
| Net interest margin | 2.6450% | 5,831 |
| Noninterest income to average assets | 0.7489% | 1,996 |
| Noninterest expense to average assets | 2.5401% | 4,102 |
| Loan and lease loss provision to assets | 0.0285% | 3,557 |
| Net operating income to assets | 0.5548% | 4,539 |
| Return on assets (ROA) | 0.6459% | 4,250 |
| Pretax return on assets | 0.7375% | 4,533 |
| Return on Equity (ROE) | 6.4375% | 3,909 |
| Retained earnings to average equity (ytd only) | 2.5688% | 4,420 |
| Net charge-offs to loans | -0.0440% | 5,494 |
| Credit loss provision to net charge-offs | -161.7647% | 4,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3148% | 1,864 |
| Assets per employee ($millions) | 4.2215% | 3,434 |
| Cash dividends to net income (ytd only)* | 60.0962% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3244% | 3,114 |
| Loan loss allowance to noncurrent loans | 220.9200% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 1.3023% | 1,931 |
| Noncurrent loans to loans | 0.5995% | 3,670 |
| Net loans and leases to total assets | 38.6941% | 5,706 |
| Net loans and leases to deposits | 45.1428% | 5,718 |
| Net loans and leases to core deposits | 46.0347% | 5,762 |
| Total domestic deposits to total assets | 85.7149% | 2,837 |
| Equity capital to assets | 9.8783% | 4,178 |
| Core capital (leverage) ratio | 9.4912% | 4,298 |
| Tier 1 risk-based capital ratio | 18.3830% | 1,956 |
| Total risk-based capital ratio | 19.3997% | 1,984 |
| Memoranda: | ||
| Average total assets | $386,442,000 | 1,725 |
| Average earning assets | $358,482,670 | 1,709 |
| Average equity | $38,773,000 | 1,876 |
| Average total loans | $154,697,000 | 2,557 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3939% | 5,216 |
| Cost of funding earning assets | 0.6381% | 1,189 |
| Net interest margin | 2.7558% | 5,731 |
| Noninterest income to average assets | 0.6963% | 2,175 |
| Noninterest expense to average assets | 2.5070% | 4,242 |
| Loan and lease loss provision to assets | 0.0415% | 3,084 |
| Net operating income to assets | 0.6194% | 4,198 |
| Return on assets (ROA) | 0.6413% | 4,201 |
| Pretax return on assets | 0.7316% | 4,493 |
| Return on Equity (ROE) | 6.3422% | 3,857 |
| Retained earnings to average equity (ytd only) | 1.2110% | 4,999 |
| Net charge-offs to loans | -0.0821% | 5,763 |
| Credit loss provision to net charge-offs | -125.0000% | 4,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0163% | 2,337 |
| Assets per employee ($millions) | 4.4162% | 3,178 |
| Cash dividends to net income (ytd only)* | 80.9061% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2814% | 3,512 |
| Loan loss allowance to noncurrent loans | 264.5503% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 1.2282% | 2,180 |
| Noncurrent loans to loans | 0.4844% | 4,124 |
| Net loans and leases to total assets | 39.6462% | 5,615 |
| Net loans and leases to deposits | 46.7310% | 5,632 |
| Net loans and leases to core deposits | 47.6974% | 5,680 |
| Total domestic deposits to total assets | 84.8393% | 3,482 |
| Equity capital to assets | 10.1531% | 3,939 |
| Core capital (leverage) ratio | 9.5001% | 4,276 |
| Tier 1 risk-based capital ratio | 18.0435% | 2,125 |
| Total risk-based capital ratio | 19.0435% | 2,161 |
| Memoranda: | ||
| Average total assets | $385,474,500 | 1,730 |
| Average earning assets | $357,939,500 | 1,715 |
| Average equity | $38,977,000 | 1,872 |
| Average total loans | $155,897,500 | 2,542 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4649% | 5,407 |
| Cost of funding earning assets | 0.7047% | 1,079 |
| Net interest margin | 2.7602% | 5,861 |
| Noninterest income to average assets | 0.6297% | 2,680 |
| Noninterest expense to average assets | 2.4179% | 4,800 |
| Loan and lease loss provision to assets | 0.0670% | 3,156 |
| Net operating income to assets | 0.6082% | 4,329 |
| Return on assets (ROA) | 0.6568% | 4,205 |
| Pretax return on assets | 0.7607% | 4,401 |
| Return on Equity (ROE) | 6.7590% | 3,761 |
| Retained earnings to average equity (ytd only) | 3.7935% | 3,518 |
| Net charge-offs to loans | 0.0759% | 3,404 |
| Credit loss provision to net charge-offs | 223.6842% | 1,123 |
| Earnings coverage of net charge-offs (x) | 25.7281% | 1,490 |
| Efficiency ratio | 75.8183% | 2,539 |
| Assets per employee ($millions) | 4.4980% | 3,042 |
| Cash dividends to net income (ytd only)* | 43.8751% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2381% | 3,779 |
| Loan loss allowance to noncurrent loans | 182.5758% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 1.3509% | 2,073 |
| Noncurrent loans to loans | 0.6781% | 3,647 |
| Net loans and leases to total assets | 40.2255% | 5,728 |
| Net loans and leases to deposits | 47.7132% | 5,698 |
| Net loans and leases to core deposits | 48.6124% | 5,780 |
| Total domestic deposits to total assets | 84.3069% | 3,586 |
| Equity capital to assets | 10.0691% | 4,023 |
| Core capital (leverage) ratio | 9.4247% | 4,348 |
| Tier 1 risk-based capital ratio | 19.2235% | 1,789 |
| Total risk-based capital ratio | 20.2538% | 1,810 |
| Memoranda: | ||
| Average total assets | $380,329,400 | 1,727 |
| Average earning assets | $352,649,400 | 1,696 |
| Average equity | $36,958,400 | 1,904 |
| Average total loans | $150,121,600 | 2,566 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4508% | 5,496 |
| Cost of funding earning assets | 0.7134% | 1,088 |
| Net interest margin | 2.7374% | 5,963 |
| Noninterest income to average assets | 0.6287% | 2,697 |
| Noninterest expense to average assets | 2.4358% | 4,714 |
| Loan and lease loss provision to assets | 0.0720% | 2,906 |
| Net operating income to assets | 0.5770% | 4,554 |
| Return on assets (ROA) | 0.6308% | 4,405 |
| Pretax return on assets | 0.7182% | 4,641 |
| Return on Equity (ROE) | 6.5510% | 3,935 |
| Retained earnings to average equity (ytd only) | 4.7428% | 3,249 |
| Net charge-offs to loans | 0.0762% | 3,111 |
| Credit loss provision to net charge-offs | 241.1765% | 1,090 |
| Earnings coverage of net charge-offs (x) | 24.4354% | 1,545 |
| Efficiency ratio | 76.9632% | 2,358 |
| Assets per employee ($millions) | 4.6288% | 2,764 |
| Cash dividends to net income (ytd only)* | 27.6017% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2673% | 3,832 |
| Loan loss allowance to noncurrent loans | 169.2103% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 1.6055% | 1,893 |
| Noncurrent loans to loans | 0.7490% | 3,728 |
| Net loans and leases to total assets | 38.6711% | 5,906 |
| Net loans and leases to deposits | 46.1687% | 5,855 |
| Net loans and leases to core deposits | 47.0720% | 5,921 |
| Total domestic deposits to total assets | 83.7603% | 3,853 |
| Equity capital to assets | 9.9063% | 4,292 |
| Core capital (leverage) ratio | 9.3245% | 4,609 |
| Tier 1 risk-based capital ratio | 19.3141% | 1,820 |
| Total risk-based capital ratio | 20.3409% | 1,848 |
| Memoranda: | ||
| Average total assets | $379,830,000 | 1,739 |
| Average earning assets | $351,907,750 | 1,709 |
| Average equity | $36,573,750 | 1,929 |
| Average total loans | $148,721,750 | 2,599 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4285% | 5,561 |
| Cost of funding earning assets | 0.7205% | 1,083 |
| Net interest margin | 2.7080% | 6,044 |
| Noninterest income to average assets | 0.6264% | 2,671 |
| Noninterest expense to average assets | 2.4283% | 4,799 |
| Loan and lease loss provision to assets | 0.0687% | 2,897 |
| Net operating income to assets | 0.5643% | 4,526 |
| Return on assets (ROA) | 0.6174% | 4,365 |
| Pretax return on assets | 0.6988% | 4,643 |
| Return on Equity (ROE) | 6.4747% | 3,893 |
| Retained earnings to average equity (ytd only) | 5.3882% | 2,706 |
| Net charge-offs to loans | 0.1188% | 2,478 |
| Credit loss provision to net charge-offs | 147.7273% | 1,471 |
| Earnings coverage of net charge-offs (x) | 15.2045% | 1,865 |
| Efficiency ratio | 77.4444% | 2,383 |
| Assets per employee ($millions) | 4.7385% | 2,555 |
| Cash dividends to net income (ytd only)* | 16.7808% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2253% | 4,307 |
| Loan loss allowance to noncurrent loans | 133.0182% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 1.8110% | 1,789 |
| Noncurrent loans to loans | 0.9212% | 3,420 |
| Net loans and leases to total assets | 37.9452% | 5,961 |
| Net loans and leases to deposits | 44.3514% | 5,964 |
| Net loans and leases to core deposits | 45.2642% | 6,022 |
| Total domestic deposits to total assets | 85.5559% | 3,265 |
| Equity capital to assets | 9.6976% | 4,494 |
| Core capital (leverage) ratio | 9.4588% | 4,386 |
| Tier 1 risk-based capital ratio | 19.1905% | 1,875 |
| Total risk-based capital ratio | 20.1781% | 1,901 |
| Memoranda: | ||
| Average total assets | $378,377,000 | 1,737 |
| Average earning assets | $350,593,670 | 1,715 |
| Average equity | $36,078,670 | 1,948 |
| Average total loans | $148,136,670 | 2,606 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4708% | 5,501 |
| Cost of funding earning assets | 0.7298% | 1,078 |
| Net interest margin | 2.7410% | 6,045 |
| Noninterest income to average assets | 0.5894% | 2,795 |
| Noninterest expense to average assets | 2.4625% | 4,750 |
| Loan and lease loss provision to assets | 0.0643% | 2,836 |
| Net operating income to assets | 0.5422% | 4,492 |
| Return on assets (ROA) | 0.6194% | 4,183 |
| Pretax return on assets | 0.6879% | 4,527 |
| Return on Equity (ROE) | 6.5538% | 3,714 |
| Retained earnings to average equity (ytd only) | 6.5538% | 2,251 |
| Net charge-offs to loans | 0.0407% | 2,812 |
| Credit loss provision to net charge-offs | 400.0000% | 650 |
| Earnings coverage of net charge-offs (x) | 41.4667% | 856 |
| Efficiency ratio | 78.6986% | 2,374 |
| Assets per employee ($millions) | 4.5722% | 2,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 4,366 |
| Loan loss allowance to noncurrent loans | 113.7182% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 1.9620% | 1,744 |
| Noncurrent loans to loans | 1.1009% | 3,220 |
| Net loans and leases to total assets | 38.5434% | 5,904 |
| Net loans and leases to deposits | 44.6916% | 5,934 |
| Net loans and leases to core deposits | 45.6418% | 6,007 |
| Total domestic deposits to total assets | 86.2432% | 3,235 |
| Equity capital to assets | 9.6194% | 4,332 |
| Core capital (leverage) ratio | 9.4922% | 4,292 |
| Tier 1 risk-based capital ratio | 19.3680% | 1,866 |
| Total risk-based capital ratio | 20.3776% | 1,891 |
| Memoranda: | ||
| Average total assets | $373,285,500 | 1,762 |
| Average earning assets | $345,860,000 | 1,741 |
| Average equity | $35,277,500 | 1,971 |
| Average total loans | $147,570,500 | 2,621 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3683% | 5,899 |
| Cost of funding earning assets | 0.8173% | 1,107 |
| Net interest margin | 2.5509% | 6,331 |
| Noninterest income to average assets | 0.7749% | 2,186 |
| Noninterest expense to average assets | 2.4888% | 4,800 |
| Loan and lease loss provision to assets | 0.0611% | 3,920 |
| Net operating income to assets | 0.5189% | 4,658 |
| Return on assets (ROA) | 0.5839% | 4,449 |
| Pretax return on assets | 0.6649% | 4,653 |
| Return on Equity (ROE) | 6.0515% | 4,053 |
| Retained earnings to average equity (ytd only) | 4.5028% | 2,975 |
| Net charge-offs to loans | 0.1851% | 2,988 |
| Credit loss provision to net charge-offs | 84.5865% | 2,909 |
| Earnings coverage of net charge-offs (x) | 9.0226% | 2,568 |
| Efficiency ratio | 79.2388% | 2,276 |
| Assets per employee ($millions) | 4.5323% | 2,848 |
| Cash dividends to net income (ytd only)* | 25.5933% | 3,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2009% | 4,655 |
| Loan loss allowance to noncurrent loans | 122.5652% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 1.9233% | 1,878 |
| Noncurrent loans to loans | 0.9798% | 3,562 |
| Net loans and leases to total assets | 39.5573% | 5,994 |
| Net loans and leases to deposits | 45.9995% | 6,008 |
| Net loans and leases to core deposits | 46.9485% | 6,095 |
| Total domestic deposits to total assets | 85.9949% | 3,259 |
| Equity capital to assets | 9.2802% | 4,711 |
| Core capital (leverage) ratio | 9.2564% | 4,622 |
| Tier 1 risk-based capital ratio | 18.9766% | 1,926 |
| Total risk-based capital ratio | 19.9576% | 1,970 |
| Memoranda: | ||
| Average total assets | $368,043,600 | 1,772 |
| Average earning assets | $341,363,400 | 1,745 |
| Average equity | $35,511,600 | 1,939 |
| Average total loans | $143,731,000 | 2,643 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3028% | 6,059 |
| Cost of funding earning assets | 0.8311% | 1,151 |
| Net interest margin | 2.4717% | 6,452 |
| Noninterest income to average assets | 0.7902% | 2,201 |
| Noninterest expense to average assets | 2.5130% | 4,677 |
| Loan and lease loss provision to assets | 0.0599% | 3,850 |
| Net operating income to assets | 0.4653% | 4,951 |
| Return on assets (ROA) | 0.5393% | 4,771 |
| Pretax return on assets | 0.5927% | 5,045 |
| Return on Equity (ROE) | 5.5357% | 4,452 |
| Retained earnings to average equity (ytd only) | 4.7901% | 3,244 |
| Net charge-offs to loans | 0.1460% | 3,086 |
| Credit loss provision to net charge-offs | 105.7692% | 2,210 |
| Earnings coverage of net charge-offs (x) | 10.0836% | 2,398 |
| Efficiency ratio | 81.4789% | 1,902 |
| Assets per employee ($millions) | 4.5667% | 2,775 |
| Cash dividends to net income (ytd only)* | 13.4680% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2743% | 4,521 |
| Loan loss allowance to noncurrent loans | 93.4860% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 2.0624% | 1,952 |
| Noncurrent loans to loans | 1.3631% | 3,133 |
| Net loans and leases to total assets | 38.4747% | 6,143 |
| Net loans and leases to deposits | 44.9572% | 6,159 |
| Net loans and leases to core deposits | 45.9724% | 6,211 |
| Total domestic deposits to total assets | 85.5807% | 3,458 |
| Equity capital to assets | 9.4888% | 4,571 |
| Core capital (leverage) ratio | 9.4945% | 4,415 |
| Tier 1 risk-based capital ratio | 19.1495% | 1,942 |
| Total risk-based capital ratio | 20.1764% | 1,970 |
| Memoranda: | ||
| Average total assets | $367,141,750 | 1,786 |
| Average earning assets | $340,756,500 | 1,762 |
| Average equity | $35,767,000 | 1,940 |
| Average total loans | $142,463,250 | 2,673 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2655% | 6,139 |
| Cost of funding earning assets | 0.8455% | 1,163 |
| Net interest margin | 2.4200% | 6,537 |
| Noninterest income to average assets | 0.8618% | 1,954 |
| Noninterest expense to average assets | 2.4892% | 4,776 |
| Loan and lease loss provision to assets | 0.0655% | 3,717 |
| Net operating income to assets | 0.4896% | 4,843 |
| Return on assets (ROA) | 0.5559% | 4,698 |
| Pretax return on assets | 0.6286% | 4,916 |
| Return on Equity (ROE) | 5.6572% | 4,370 |
| Retained earnings to average equity (ytd only) | 4.5457% | 3,374 |
| Net charge-offs to loans | 0.1381% | 2,998 |
| Credit loss provision to net charge-offs | 122.4490% | 1,827 |
| Earnings coverage of net charge-offs (x) | 11.5612% | 2,044 |
| Efficiency ratio | 80.0914% | 2,144 |
| Assets per employee ($millions) | 4.5153% | 2,801 |
| Cash dividends to net income (ytd only)* | 19.6464% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3033% | 4,491 |
| Loan loss allowance to noncurrent loans | 183.1683% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 1.7813% | 2,435 |
| Noncurrent loans to loans | 0.7116% | 4,509 |
| Net loans and leases to total assets | 38.3034% | 6,162 |
| Net loans and leases to deposits | 44.4794% | 6,201 |
| Net loans and leases to core deposits | 45.4753% | 6,254 |
| Total domestic deposits to total assets | 86.1148% | 3,304 |
| Equity capital to assets | 9.3123% | 4,840 |
| Core capital (leverage) ratio | 9.2456% | 4,632 |
| Tier 1 risk-based capital ratio | 19.1431% | 1,959 |
| Total risk-based capital ratio | 20.1913% | 1,974 |
| Memoranda: | ||
| Average total assets | $366,222,330 | 1,788 |
| Average earning assets | $339,920,670 | 1,767 |
| Average equity | $35,989,670 | 1,935 |
| Average total loans | $141,899,330 | 2,689 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2805% | 6,188 |
| Cost of funding earning assets | 0.8599% | 1,202 |
| Net interest margin | 2.4206% | 6,578 |
| Noninterest income to average assets | 0.8874% | 1,799 |
| Noninterest expense to average assets | 2.4352% | 4,997 |
| Loan and lease loss provision to assets | 0.0655% | 3,539 |
| Net operating income to assets | 0.5359% | 4,513 |
| Return on assets (ROA) | 0.6102% | 4,328 |
| Pretax return on assets | 0.7171% | 4,504 |
| Return on Equity (ROE) | 6.0506% | 4,021 |
| Retained earnings to average equity (ytd only) | 6.0506% | 2,655 |
| Net charge-offs to loans | 0.1466% | 2,524 |
| Credit loss provision to net charge-offs | 115.3846% | 1,636 |
| Earnings coverage of net charge-offs (x) | 12.2500% | 1,613 |
| Efficiency ratio | 77.7894% | 2,644 |
| Assets per employee ($millions) | 4.5041% | 2,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3058% | 4,664 |
| Loan loss allowance to noncurrent loans | 84.0275% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 2.0103% | 2,336 |
| Noncurrent loans to loans | 1.5540% | 3,214 |
| Net loans and leases to total assets | 37.5722% | 6,177 |
| Net loans and leases to deposits | 44.4904% | 6,162 |
| Net loans and leases to core deposits | 45.5219% | 6,237 |
| Total domestic deposits to total assets | 84.4501% | 4,289 |
| Equity capital to assets | 10.0379% | 4,101 |
| Core capital (leverage) ratio | 9.3837% | 4,268 |
| Tier 1 risk-based capital ratio | 19.3086% | 1,953 |
| Total risk-based capital ratio | 20.3659% | 1,980 |
| Memoranda: | ||
| Average total assets | $366,462,000 | 1,802 |
| Average earning assets | $339,580,500 | 1,782 |
| Average equity | $36,955,000 | 1,919 |
| Average total loans | $141,878,000 | 2,698 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6076% | 6,217 |
| Cost of funding earning assets | 0.9822% | 1,450 |
| Net interest margin | 2.6254% | 6,611 |
| Noninterest income to average assets | 0.8175% | 2,186 |
| Noninterest expense to average assets | 2.4874% | 5,143 |
| Loan and lease loss provision to assets | 0.0750% | 4,785 |
| Net operating income to assets | 0.6188% | 4,151 |
| Return on assets (ROA) | 0.6852% | 4,069 |
| Pretax return on assets | 0.7461% | 4,490 |
| Return on Equity (ROE) | 6.9548% | 3,670 |
| Retained earnings to average equity (ytd only) | 6.9548% | 1,591 |
| Net charge-offs to loans | 0.1389% | 4,303 |
| Credit loss provision to net charge-offs | 137.0558% | 2,021 |
| Earnings coverage of net charge-offs (x) | 13.6853% | 1,801 |
| Efficiency ratio | 76.8604% | 2,616 |
| Assets per employee ($millions) | 4.3805% | 3,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2770% | 4,749 |
| Loan loss allowance to noncurrent loans | 73.4727% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 2.0950% | 2,339 |
| Noncurrent loans to loans | 1.7380% | 3,006 |
| Net loans and leases to total assets | 38.8694% | 6,235 |
| Net loans and leases to deposits | 46.7705% | 6,198 |
| Net loans and leases to core deposits | 48.0753% | 6,267 |
| Total domestic deposits to total assets | 83.1068% | 4,674 |
| Equity capital to assets | 10.1314% | 3,999 |
| Core capital (leverage) ratio | 9.0668% | 4,790 |
| Tier 1 risk-based capital ratio | 18.9712% | 1,966 |
| Total risk-based capital ratio | 20.0230% | 1,983 |
| Memoranda: | ||
| Average total assets | $360,015,000 | 1,802 |
| Average earning assets | $331,687,800 | 1,783 |
| Average equity | $35,471,800 | 1,949 |
| Average total loans | $141,784,000 | 2,694 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5806% | 6,417 |
| Cost of funding earning assets | 0.9992% | 1,561 |
| Net interest margin | 2.5814% | 6,773 |
| Noninterest income to average assets | 0.9456% | 1,684 |
| Noninterest expense to average assets | 2.4489% | 5,241 |
| Loan and lease loss provision to assets | 0.0780% | 4,664 |
| Net operating income to assets | 0.6017% | 4,385 |
| Return on assets (ROA) | 0.6553% | 4,383 |
| Pretax return on assets | 0.8650% | 4,239 |
| Return on Equity (ROE) | 6.6986% | 3,959 |
| Retained earnings to average equity (ytd only) | 6.6986% | 2,281 |
| Net charge-offs to loans | 0.0189% | 5,405 |
| Credit loss provision to net charge-offs | 1,050.0000% | 267 |
| Earnings coverage of net charge-offs (x) | 117.4826% | 366 |
| Efficiency ratio | 73.7313% | 3,034 |
| Assets per employee ($millions) | 4.5813% | 2,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 4,471 |
| Loan loss allowance to noncurrent loans | 91.0965% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 2.0859% | 2,552 |
| Noncurrent loans to loans | 1.5127% | 3,520 |
| Net loans and leases to total assets | 37.0352% | 6,482 |
| Net loans and leases to deposits | 44.8306% | 6,466 |
| Net loans and leases to core deposits | 46.1652% | 6,511 |
| Total domestic deposits to total assets | 82.6115% | 4,783 |
| Equity capital to assets | 9.8116% | 4,764 |
| Core capital (leverage) ratio | 8.9096% | 5,182 |
| Tier 1 risk-based capital ratio | 18.2967% | 2,233 |
| Total risk-based capital ratio | 19.4189% | 2,255 |
| Memoranda: | ||
| Average total assets | $359,122,750 | 1,835 |
| Average earning assets | $330,516,250 | 1,813 |
| Average equity | $35,130,750 | 1,984 |
| Average total loans | $141,442,250 | 2,738 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6753% | 6,375 |
| Cost of funding earning assets | 1.0237% | 1,620 |
| Net interest margin | 2.6516% | 6,772 |
| Noninterest income to average assets | 0.8948% | 1,805 |
| Noninterest expense to average assets | 2.4157% | 5,398 |
| Loan and lease loss provision to assets | 0.0848% | 4,530 |
| Net operating income to assets | 0.6349% | 4,198 |
| Return on assets (ROA) | 0.6861% | 4,204 |
| Pretax return on assets | 0.9067% | 4,051 |
| Return on Equity (ROE) | 7.0208% | 3,763 |
| Retained earnings to average equity (ytd only) | 7.0208% | 2,087 |
| Net charge-offs to loans | -0.0127% | 6,329 |
| Credit loss provision to net charge-offs | -1,666.6667% | 6,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3285% | 3,370 |
| Assets per employee ($millions) | 4.4843% | 2,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3565% | 4,636 |
| Loan loss allowance to noncurrent loans | 96.6650% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 2.1124% | 2,650 |
| Noncurrent loans to loans | 1.4033% | 3,815 |
| Net loans and leases to total assets | 38.7778% | 6,418 |
| Net loans and leases to deposits | 46.7696% | 6,385 |
| Net loans and leases to core deposits | 48.4129% | 6,435 |
| Total domestic deposits to total assets | 82.9125% | 4,785 |
| Equity capital to assets | 9.9501% | 4,418 |
| Core capital (leverage) ratio | 9.0271% | 4,871 |
| Tier 1 risk-based capital ratio | 18.1123% | 2,262 |
| Total risk-based capital ratio | 19.2242% | 2,270 |
| Memoranda: | ||
| Average total assets | $353,608,000 | 1,856 |
| Average earning assets | $326,066,330 | 1,840 |
| Average equity | $34,554,670 | 2,003 |
| Average total loans | $141,565,330 | 2,751 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7449% | 6,359 |
| Cost of funding earning assets | 1.0455% | 1,709 |
| Net interest margin | 2.6993% | 6,772 |
| Noninterest income to average assets | 0.8546% | 1,926 |
| Noninterest expense to average assets | 2.4111% | 5,432 |
| Loan and lease loss provision to assets | 0.0855% | 4,312 |
| Net operating income to assets | 0.6298% | 4,219 |
| Return on assets (ROA) | 0.6974% | 4,113 |
| Pretax return on assets | 0.9309% | 3,930 |
| Return on Equity (ROE) | 7.2033% | 3,657 |
| Retained earnings to average equity (ytd only) | 7.2033% | 2,322 |
| Net charge-offs to loans | -0.0113% | 5,980 |
| Credit loss provision to net charge-offs | -1,875.0000% | 6,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2431% | 3,392 |
| Assets per employee ($millions) | 4.5295% | 2,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3093% | 4,977 |
| Loan loss allowance to noncurrent loans | 103.5593% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 2.0866% | 2,791 |
| Noncurrent loans to loans | 1.2643% | 4,217 |
| Net loans and leases to total assets | 39.1069% | 6,422 |
| Net loans and leases to deposits | 47.2267% | 6,339 |
| Net loans and leases to core deposits | 49.0409% | 6,395 |
| Total domestic deposits to total assets | 82.8068% | 5,005 |
| Equity capital to assets | 9.7472% | 4,462 |
| Core capital (leverage) ratio | 9.0226% | 4,808 |
| Tier 1 risk-based capital ratio | 17.9535% | 2,309 |
| Total risk-based capital ratio | 19.0265% | 2,351 |
| Memoranda: | ||
| Average total assets | $351,041,500 | 1,886 |
| Average earning assets | $322,895,000 | 1,867 |
| Average equity | $33,984,500 | 2,037 |
| Average total loans | $141,835,500 | 2,758 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0744% | 6,314 |
| Cost of funding earning assets | 1.2127% | 1,946 |
| Net interest margin | 2.8617% | 6,748 |
| Noninterest income to average assets | 0.7300% | 2,443 |
| Noninterest expense to average assets | 2.4801% | 5,534 |
| Loan and lease loss provision to assets | 0.0948% | 5,413 |
| Net operating income to assets | 0.6210% | 3,881 |
| Return on assets (ROA) | 0.6604% | 3,877 |
| Pretax return on assets | 0.8275% | 3,877 |
| Return on Equity (ROE) | 7.0556% | 3,384 |
| Retained earnings to average equity (ytd only) | 5.3463% | 2,415 |
| Net charge-offs to loans | 0.0829% | 5,494 |
| Credit loss provision to net charge-offs | 273.5043% | 874 |
| Earnings coverage of net charge-offs (x) | 25.1880% | 981 |
| Efficiency ratio | 73.9618% | 3,246 |
| Assets per employee ($millions) | 4.4715% | 2,964 |
| Cash dividends to net income (ytd only)* | 24.2261% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2208% | 5,290 |
| Loan loss allowance to noncurrent loans | 161.3615% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 2.1395% | 2,802 |
| Noncurrent loans to loans | 0.7566% | 5,183 |
| Net loans and leases to total assets | 40.6898% | 6,494 |
| Net loans and leases to deposits | 49.3684% | 6,411 |
| Net loans and leases to core deposits | 51.2117% | 6,468 |
| Total domestic deposits to total assets | 82.4207% | 4,993 |
| Equity capital to assets | 9.6141% | 4,723 |
| Core capital (leverage) ratio | 8.5893% | 5,418 |
| Tier 1 risk-based capital ratio | 17.2152% | 2,502 |
| Total risk-based capital ratio | 18.2225% | 2,579 |
| Memoranda: | ||
| Average total assets | $337,529,000 | 1,914 |
| Average earning assets | $309,396,800 | 1,898 |
| Average equity | $31,591,800 | 2,100 |
| Average total loans | $141,131,600 | 2,767 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1237% | 6,357 |
| Cost of funding earning assets | 1.2455% | 2,022 |
| Net interest margin | 2.8782% | 6,785 |
| Noninterest income to average assets | 0.7174% | 2,491 |
| Noninterest expense to average assets | 2.5115% | 5,426 |
| Loan and lease loss provision to assets | 0.1076% | 5,093 |
| Net operating income to assets | 0.5616% | 4,265 |
| Return on assets (ROA) | 0.6118% | 4,220 |
| Pretax return on assets | 0.8034% | 4,116 |
| Return on Equity (ROE) | 6.5836% | 3,724 |
| Retained earnings to average equity (ytd only) | 5.7264% | 2,726 |
| Net charge-offs to loans | 0.0598% | 5,369 |
| Credit loss provision to net charge-offs | 428.5714% | 657 |
| Earnings coverage of net charge-offs (x) | 33.6658% | 864 |
| Efficiency ratio | 74.8279% | 3,034 |
| Assets per employee ($millions) | 4.5492% | 2,845 |
| Cash dividends to net income (ytd only)* | 13.0208% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2730% | 5,135 |
| Loan loss allowance to noncurrent loans | 141.7742% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 2.1557% | 2,965 |
| Noncurrent loans to loans | 0.8979% | 5,069 |
| Net loans and leases to total assets | 39.4337% | 6,677 |
| Net loans and leases to deposits | 48.7113% | 6,587 |
| Net loans and leases to core deposits | 50.6182% | 6,642 |
| Total domestic deposits to total assets | 80.9539% | 5,452 |
| Equity capital to assets | 9.6431% | 4,864 |
| Core capital (leverage) ratio | 8.6870% | 5,431 |
| Tier 1 risk-based capital ratio | 17.4367% | 2,474 |
| Total risk-based capital ratio | 18.4700% | 2,515 |
| Memoranda: | ||
| Average total assets | $334,716,250 | 1,940 |
| Average earning assets | $306,899,000 | 1,925 |
| Average equity | $31,106,750 | 2,129 |
| Average total loans | $140,496,500 | 2,801 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1656% | 6,353 |
| Cost of funding earning assets | 1.2816% | 2,057 |
| Net interest margin | 2.8840% | 6,820 |
| Noninterest income to average assets | 0.6470% | 2,867 |
| Noninterest expense to average assets | 2.5072% | 5,508 |
| Loan and lease loss provision to assets | 0.1087% | 4,941 |
| Net operating income to assets | 0.5122% | 4,448 |
| Return on assets (ROA) | 0.5884% | 4,248 |
| Pretax return on assets | 0.7691% | 4,151 |
| Return on Equity (ROE) | 6.4158% | 3,741 |
| Retained earnings to average equity (ytd only) | 5.0984% | 2,943 |
| Net charge-offs to loans | 0.0934% | 4,741 |
| Credit loss provision to net charge-offs | 272.7273% | 1,111 |
| Earnings coverage of net charge-offs (x) | 19.5303% | 1,214 |
| Efficiency ratio | 76.3008% | 2,965 |
| Assets per employee ($millions) | 4.4997% | 2,837 |
| Cash dividends to net income (ytd only)* | 20.5339% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1973% | 5,554 |
| Loan loss allowance to noncurrent loans | 140.2696% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 2.1522% | 3,045 |
| Noncurrent loans to loans | 0.8536% | 5,238 |
| Net loans and leases to total assets | 40.7137% | 6,687 |
| Net loans and leases to deposits | 49.3919% | 6,645 |
| Net loans and leases to core deposits | 51.4154% | 6,694 |
| Total domestic deposits to total assets | 82.4299% | 5,009 |
| Equity capital to assets | 9.4084% | 4,961 |
| Core capital (leverage) ratio | 8.7733% | 5,087 |
| Tier 1 risk-based capital ratio | 17.3261% | 2,401 |
| Total risk-based capital ratio | 18.3074% | 2,472 |
| Memoranda: | ||
| Average total assets | $331,041,670 | 1,970 |
| Average earning assets | $302,911,330 | 1,956 |
| Average equity | $30,362,330 | 2,162 |
| Average total loans | $141,296,670 | 2,821 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1309% | 6,441 |
| Cost of funding earning assets | 1.3129% | 2,112 |
| Net interest margin | 2.8181% | 6,877 |
| Noninterest income to average assets | 0.6577% | 2,791 |
| Noninterest expense to average assets | 2.4928% | 5,577 |
| Loan and lease loss provision to assets | 0.1098% | 4,643 |
| Net operating income to assets | 0.4813% | 4,568 |
| Return on assets (ROA) | 0.5649% | 4,290 |
| Pretax return on assets | 0.7382% | 4,154 |
| Return on Equity (ROE) | 6.2424% | 3,759 |
| Retained earnings to average equity (ytd only) | 6.2424% | 2,500 |
| Net charge-offs to loans | -0.0028% | 6,194 |
| Credit loss provision to net charge-offs | -9,000.0000% | 6,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1234% | 2,968 |
| Assets per employee ($millions) | 4.4266% | 3,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 5,788 |
| Loan loss allowance to noncurrent loans | 62.2914% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 2.4970% | 2,737 |
| Noncurrent loans to loans | 1.8680% | 3,736 |
| Net loans and leases to total assets | 42.0094% | 6,612 |
| Net loans and leases to deposits | 50.3582% | 6,598 |
| Net loans and leases to core deposits | 52.6238% | 6,648 |
| Total domestic deposits to total assets | 83.4212% | 4,735 |
| Equity capital to assets | 9.0540% | 5,122 |
| Core capital (leverage) ratio | 8.8894% | 4,789 |
| Tier 1 risk-based capital ratio | 17.0062% | 2,471 |
| Total risk-based capital ratio | 17.9652% | 2,555 |
| Memoranda: | ||
| Average total assets | $327,824,500 | 1,996 |
| Average earning assets | $299,496,500 | 1,989 |
| Average equity | $29,668,000 | 2,197 |
| Average total loans | $142,413,000 | 2,834 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3225% | 6,745 |
| Cost of funding earning assets | 1.5804% | 2,184 |
| Net interest margin | 2.7422% | 7,090 |
| Noninterest income to average assets | 0.9428% | 1,693 |
| Noninterest expense to average assets | 2.6627% | 5,162 |
| Loan and lease loss provision to assets | 0.1461% | 5,725 |
| Net operating income to assets | 0.5141% | 4,028 |
| Return on assets (ROA) | 0.5699% | 3,962 |
| Pretax return on assets | 0.6840% | 4,031 |
| Return on Equity (ROE) | 6.1578% | 3,544 |
| Retained earnings to average equity (ytd only) | 3.8325% | 3,179 |
| Net charge-offs to loans | 0.2409% | 4,841 |
| Credit loss provision to net charge-offs | 129.8883% | 3,068 |
| Earnings coverage of net charge-offs (x) | 6.7821% | 2,277 |
| Efficiency ratio | 77.7309% | 2,753 |
| Assets per employee ($millions) | 4.2586% | 3,281 |
| Cash dividends to net income (ytd only)* | 37.7619% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 6,030 |
| Loan loss allowance to noncurrent loans | 56.5852% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 2.6479% | 2,628 |
| Noncurrent loans to loans | 1.9073% | 3,680 |
| Net loans and leases to total assets | 43.9246% | 6,719 |
| Net loans and leases to deposits | 53.1546% | 6,666 |
| Net loans and leases to core deposits | 55.5075% | 6,720 |
| Total domestic deposits to total assets | 82.6357% | 4,956 |
| Equity capital to assets | 9.0458% | 5,076 |
| Core capital (leverage) ratio | 8.6347% | 5,136 |
| Tier 1 risk-based capital ratio | 16.8101% | 2,421 |
| Total risk-based capital ratio | 17.7190% | 2,507 |
| Memoranda: | ||
| Average total assets | $318,291,400 | 2,045 |
| Average earning assets | $288,164,000 | 2,057 |
| Average equity | $29,458,600 | 2,216 |
| Average total loans | $148,603,000 | 2,800 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3567% | 6,882 |
| Cost of funding earning assets | 1.6366% | 2,173 |
| Net interest margin | 2.7201% | 7,211 |
| Noninterest income to average assets | 0.8064% | 2,202 |
| Noninterest expense to average assets | 2.6582% | 5,076 |
| Loan and lease loss provision to assets | 0.1367% | 5,659 |
| Net operating income to assets | 0.3794% | 4,843 |
| Return on assets (ROA) | 0.4514% | 4,720 |
| Pretax return on assets | 0.5612% | 4,718 |
| Return on Equity (ROE) | 4.8489% | 4,370 |
| Retained earnings to average equity (ytd only) | 4.0129% | 3,652 |
| Net charge-offs to loans | 0.1789% | 4,884 |
| Credit loss provision to net charge-offs | 161.6915% | 2,335 |
| Earnings coverage of net charge-offs (x) | 7.1891% | 2,373 |
| Efficiency ratio | 81.3885% | 2,145 |
| Assets per employee ($millions) | 4.2759% | 3,301 |
| Cash dividends to net income (ytd only)* | 17.2414% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0145% | 6,330 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 2.2345% | 3,155 |
| Noncurrent loans to loans | 1.0145% | 5,207 |
| Net loans and leases to total assets | 46.4671% | 6,655 |
| Net loans and leases to deposits | 58.7505% | 6,404 |
| Net loans and leases to core deposits | 62.0578% | 6,461 |
| Total domestic deposits to total assets | 79.0922% | 6,002 |
| Equity capital to assets | 9.3155% | 5,111 |
| Core capital (leverage) ratio | 8.7154% | 5,157 |
| Tier 1 risk-based capital ratio | 15.9709% | 2,778 |
| Total risk-based capital ratio | 16.8570% | 2,908 |
| Memoranda: | ||
| Average total assets | $316,951,250 | 2,084 |
| Average earning assets | $286,602,750 | 2,098 |
| Average equity | $29,504,000 | 2,236 |
| Average total loans | $149,825,250 | 2,813 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3940% | 6,907 |
| Cost of funding earning assets | 1.7179% | 2,026 |
| Net interest margin | 2.6761% | 7,280 |
| Noninterest income to average assets | 0.6642% | 2,935 |
| Noninterest expense to average assets | 2.6389% | 5,168 |
| Loan and lease loss provision to assets | 0.1694% | 5,180 |
| Net operating income to assets | 0.2170% | 5,500 |
| Return on assets (ROA) | 0.3273% | 5,239 |
| Pretax return on assets | 0.4059% | 5,206 |
| Return on Equity (ROE) | 3.5171% | 5,010 |
| Retained earnings to average equity (ytd only) | 2.2463% | 4,726 |
| Net charge-offs to loans | 0.2280% | 4,233 |
| Credit loss provision to net charge-offs | 156.8047% | 2,516 |
| Earnings coverage of net charge-offs (x) | 4.0651% | 3,072 |
| Efficiency ratio | 85.7321% | 1,747 |
| Assets per employee ($millions) | 4.0396% | 3,695 |
| Cash dividends to net income (ytd only)* | 36.1328% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0281% | 6,281 |
| Loan loss allowance to noncurrent loans | 110.4735% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 2.3235% | 3,110 |
| Noncurrent loans to loans | 0.9306% | 5,431 |
| Net loans and leases to total assets | 46.4558% | 6,751 |
| Net loans and leases to deposits | 56.6450% | 6,676 |
| Net loans and leases to core deposits | 60.3154% | 6,693 |
| Total domestic deposits to total assets | 82.0123% | 4,984 |
| Equity capital to assets | 9.3348% | 4,955 |
| Core capital (leverage) ratio | 8.8360% | 4,853 |
| Tier 1 risk-based capital ratio | 16.1109% | 2,624 |
| Total risk-based capital ratio | 17.0002% | 2,742 |
| Memoranda: | ||
| Average total assets | $312,853,000 | 2,131 |
| Average earning assets | $282,200,670 | 2,143 |
| Average equity | $29,115,000 | 2,254 |
| Average total loans | $148,247,330 | 2,867 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4071% | 6,987 |
| Cost of funding earning assets | 1.7551% | 2,101 |
| Net interest margin | 2.6520% | 7,340 |
| Noninterest income to average assets | 0.7310% | 2,402 |
| Noninterest expense to average assets | 2.6282% | 5,236 |
| Loan and lease loss provision to assets | 0.1873% | 4,634 |
| Net operating income to assets | 0.2653% | 5,436 |
| Return on assets (ROA) | 0.3629% | 5,136 |
| Pretax return on assets | 0.4301% | 5,194 |
| Return on Equity (ROE) | 3.9058% | 4,934 |
| Retained earnings to average equity (ytd only) | 3.9058% | 3,796 |
| Net charge-offs to loans | 0.4177% | 2,789 |
| Credit loss provision to net charge-offs | 94.1558% | 3,561 |
| Earnings coverage of net charge-offs (x) | 2.5195% | 3,282 |
| Efficiency ratio | 83.9868% | 2,020 |
| Assets per employee ($millions) | 4.0391% | 3,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9721% | 6,587 |
| Loan loss allowance to noncurrent loans | 74.1986% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 2.8063% | 2,592 |
| Noncurrent loans to loans | 1.3102% | 4,791 |
| Net loans and leases to total assets | 47.0011% | 6,750 |
| Net loans and leases to deposits | 56.8725% | 6,711 |
| Net loans and leases to core deposits | 60.7191% | 6,692 |
| Total domestic deposits to total assets | 82.6429% | 4,779 |
| Equity capital to assets | 9.3182% | 4,807 |
| Core capital (leverage) ratio | 8.9444% | 4,658 |
| Tier 1 risk-based capital ratio | 16.1488% | 2,583 |
| Total risk-based capital ratio | 16.9794% | 2,712 |
| Memoranda: | ||
| Average total assets | $309,715,000 | 2,198 |
| Average earning assets | $280,091,500 | 2,208 |
| Average equity | $28,777,500 | 2,305 |
| Average total loans | $147,474,000 | 2,936 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7392% | 7,076 |
| Cost of funding earning assets | 1.8819% | 3,553 |
| Net interest margin | 2.8573% | 6,944 |
| Noninterest income to average assets | 1.0883% | 1,299 |
| Noninterest expense to average assets | 2.8716% | 4,652 |
| Loan and lease loss provision to assets | 0.2007% | 5,735 |
| Net operating income to assets | 0.5291% | 3,610 |
| Return on assets (ROA) | 0.5686% | 3,527 |
| Pretax return on assets | 0.6709% | 3,681 |
| Return on Equity (ROE) | 5.8038% | 3,293 |
| Retained earnings to average equity (ytd only) | 4.0581% | 2,381 |
| Net charge-offs to loans | 0.3325% | 4,571 |
| Credit loss provision to net charge-offs | 115.6942% | 4,705 |
| Earnings coverage of net charge-offs (x) | 4.7565% | 2,830 |
| Efficiency ratio | 77.6792% | 3,247 |
| Assets per employee ($millions) | 3.9541% | 3,908 |
| Cash dividends to net income (ytd only)* | 30.0798% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9801% | 6,487 |
| Loan loss allowance to noncurrent loans | 68.8603% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 2.8633% | 2,451 |
| Noncurrent loans to loans | 1.4233% | 4,543 |
| Net loans and leases to total assets | 47.3027% | 6,870 |
| Net loans and leases to deposits | 58.0447% | 6,783 |
| Net loans and leases to core deposits | 70.3103% | 6,751 |
| Total domestic deposits to total assets | 81.4935% | 5,156 |
| Equity capital to assets | 9.2648% | 4,748 |
| Core capital (leverage) ratio | 8.9300% | 4,539 |
| Tier 1 risk-based capital ratio | 16.1006% | 2,474 |
| Total risk-based capital ratio | 16.9424% | 2,586 |
| Memoranda: | ||
| Average total assets | $286,492,200 | 2,297 |
| Average earning assets | $261,543,800 | 2,313 |
| Average equity | $28,067,600 | 2,365 |
| Average total loans | $149,462,400 | 2,919 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8088% | 7,104 |
| Cost of funding earning assets | 1.8772% | 4,005 |
| Net interest margin | 2.9316% | 6,774 |
| Noninterest income to average assets | 1.1914% | 1,093 |
| Noninterest expense to average assets | 2.9289% | 4,319 |
| Loan and lease loss provision to assets | 0.2254% | 5,164 |
| Net operating income to assets | 0.5853% | 3,651 |
| Return on assets (ROA) | 0.6358% | 3,540 |
| Pretax return on assets | 0.7900% | 3,573 |
| Return on Equity (ROE) | 6.3943% | 3,352 |
| Retained earnings to average equity (ytd only) | 5.4876% | 2,209 |
| Net charge-offs to loans | 0.4284% | 3,543 |
| Credit loss provision to net charge-offs | 98.5477% | 5,193 |
| Earnings coverage of net charge-offs (x) | 4.1639% | 3,236 |
| Efficiency ratio | 75.4645% | 3,592 |
| Assets per employee ($millions) | 3.8837% | 3,980 |
| Cash dividends to net income (ytd only)* | 14.1793% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9218% | 6,663 |
| Loan loss allowance to noncurrent loans | 52.7174% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 2.7766% | 2,496 |
| Noncurrent loans to loans | 1.7485% | 3,998 |
| Net loans and leases to total assets | 47.5760% | 6,994 |
| Net loans and leases to deposits | 59.4622% | 6,869 |
| Net loans and leases to core deposits | 71.3464% | 6,884 |
| Total domestic deposits to total assets | 80.0106% | 5,430 |
| Equity capital to assets | 9.5234% | 4,717 |
| Core capital (leverage) ratio | 9.4982% | 3,911 |
| Tier 1 risk-based capital ratio | 16.1444% | 2,582 |
| Total risk-based capital ratio | 16.9388% | 2,678 |
| Memoranda: | ||
| Average total assets | $281,011,250 | 2,355 |
| Average earning assets | $257,828,000 | 2,357 |
| Average equity | $27,941,000 | 2,396 |
| Average total loans | $149,994,750 | 2,953 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9394% | 6,946 |
| Cost of funding earning assets | 1.8963% | 4,285 |
| Net interest margin | 3.0431% | 6,424 |
| Noninterest income to average assets | 1.3641% | 823 |
| Noninterest expense to average assets | 2.9492% | 4,294 |
| Loan and lease loss provision to assets | 0.2937% | 4,217 |
| Net operating income to assets | 0.7084% | 3,215 |
| Return on assets (ROA) | 0.7599% | 3,117 |
| Pretax return on assets | 0.9838% | 3,072 |
| Return on Equity (ROE) | 7.5232% | 2,961 |
| Retained earnings to average equity (ytd only) | 6.1421% | 1,950 |
| Net charge-offs to loans | 0.0305% | 6,035 |
| Credit loss provision to net charge-offs | 1,739.1304% | 301 |
| Earnings coverage of net charge-offs (x) | 71.6957% | 528 |
| Efficiency ratio | 70.8966% | 4,606 |
| Assets per employee ($millions) | 3.5312% | 4,731 |
| Cash dividends to net income (ytd only)* | 18.3575% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 5,198 |
| Loan loss allowance to noncurrent loans | 29.4854% | 6,527 |
| Noncurrent assets plus other real estate owned to assets | 3.4582% | 1,800 |
| Noncurrent loans to loans | 3.9309% | 1,733 |
| Net loans and leases to total assets | 53.2527% | 6,537 |
| Net loans and leases to deposits | 66.0384% | 6,387 |
| Net loans and leases to core deposits | 78.7753% | 6,499 |
| Total domestic deposits to total assets | 80.6391% | 5,212 |
| Equity capital to assets | 9.9239% | 4,055 |
| Core capital (leverage) ratio | 9.9423% | 3,355 |
| Tier 1 risk-based capital ratio | 16.3496% | 2,502 |
| Total risk-based capital ratio | 17.3911% | 2,523 |
| Memoranda: | ||
| Average total assets | $272,411,000 | 2,427 |
| Average earning assets | $250,273,670 | 2,441 |
| Average equity | $27,515,000 | 2,438 |
| Average total loans | $150,884,000 | 2,966 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0930% | 6,664 |
| Cost of funding earning assets | 1.8783% | 4,748 |
| Net interest margin | 3.2147% | 5,817 |
| Noninterest income to average assets | 1.2589% | 901 |
| Noninterest expense to average assets | 2.7748% | 4,680 |
| Loan and lease loss provision to assets | 0.3121% | 3,472 |
| Net operating income to assets | 0.8376% | 2,961 |
| Return on assets (ROA) | 0.9036% | 2,840 |
| Pretax return on assets | 1.2143% | 2,573 |
| Return on Equity (ROE) | 8.8660% | 2,775 |
| Retained earnings to average equity (ytd only) | 8.8660% | 1,522 |
| Net charge-offs to loans | 0.0053% | 5,621 |
| Credit loss provision to net charge-offs | 10,500.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 483.5000% | 61 |
| Efficiency ratio | 65.8786% | 5,350 |
| Assets per employee ($millions) | 3.4845% | 4,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 5,986 |
| Loan loss allowance to noncurrent loans | 22.1862% | 7,055 |
| Noncurrent assets plus other real estate owned to assets | 3.4905% | 1,544 |
| Noncurrent loans to loans | 4.6209% | 1,224 |
| Net loans and leases to total assets | 55.8732% | 6,256 |
| Net loans and leases to deposits | 71.0350% | 5,864 |
| Net loans and leases to core deposits | 83.3246% | 6,117 |
| Total domestic deposits to total assets | 78.6559% | 5,832 |
| Equity capital to assets | 10.2372% | 3,724 |
| Core capital (leverage) ratio | 10.2104% | 3,189 |
| Tier 1 risk-based capital ratio | 16.2961% | 2,582 |
| Total risk-based capital ratio | 17.2427% | 2,631 |
| Memoranda: | ||
| Average total assets | $269,134,500 | 2,473 |
| Average earning assets | $247,241,000 | 2,475 |
| Average equity | $27,430,500 | 2,461 |
| Average total loans | $151,177,000 | 2,988 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5834% | 7,125 |
| Cost of funding earning assets | 2.4944% | 4,238 |
| Net interest margin | 3.0890% | 6,682 |
| Noninterest income to average assets | 0.7540% | 2,759 |
| Noninterest expense to average assets | 2.9618% | 4,223 |
| Loan and lease loss provision to assets | 0.2093% | 4,800 |
| Net operating income to assets | 0.3614% | 5,306 |
| Return on assets (ROA) | 0.3821% | 5,037 |
| Pretax return on assets | 0.4339% | 5,173 |
| Return on Equity (ROE) | 3.8141% | 4,890 |
| Retained earnings to average equity (ytd only) | 2.0096% | 3,985 |
| Net charge-offs to loans | 0.3383% | 3,141 |
| Credit loss provision to net charge-offs | 113.4021% | 4,758 |
| Earnings coverage of net charge-offs (x) | 3.3567% | 4,404 |
| Efficiency ratio | 82.6993% | 2,215 |
| Assets per employee ($millions) | 3.3731% | 5,025 |
| Cash dividends to net income (ytd only)* | 47.3108% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9166% | 6,587 |
| Loan loss allowance to noncurrent loans | 19.6828% | 7,253 |
| Noncurrent assets plus other real estate owned to assets | 3.5531% | 1,246 |
| Noncurrent loans to loans | 4.6568% | 1,011 |
| Net loans and leases to total assets | 55.3733% | 6,509 |
| Net loans and leases to deposits | 76.0179% | 5,590 |
| Net loans and leases to core deposits | 87.9917% | 5,975 |
| Total domestic deposits to total assets | 72.8425% | 6,857 |
| Equity capital to assets | 10.1462% | 3,869 |
| Core capital (leverage) ratio | 10.1086% | 3,350 |
| Tier 1 risk-based capital ratio | 16.1729% | 2,597 |
| Total risk-based capital ratio | 17.0075% | 2,694 |
| Memoranda: | ||
| Average total assets | $262,743,200 | 2,439 |
| Average earning assets | $240,500,600 | 2,449 |
| Average equity | $26,323,400 | 2,528 |
| Average total loans | $143,365,400 | 3,031 |