Home > First National Bank & Trust Co. > Performance and Condition Ratios
First National Bank & Trust Co., Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3122% | 4,057 |
| Cost of funding earning assets | 1.0437% | 3,948 |
| Net interest margin | 3.2685% | 2,841 |
| Noninterest income to average assets | 0.9600% | 612 |
| Noninterest expense to average assets | 3.0771% | 1,026 |
| Loan and lease loss provision to assets | 0.1500% | 856 |
| Net operating income to assets | 0.5457% | 3,479 |
| Return on assets (ROA) | 0.5457% | 3,496 |
| Pretax return on assets | 0.7234% | 3,345 |
| Return on Equity (ROE) | 7.5300% | 2,987 |
| Retained earnings to average equity (ytd only) | 4.1578% | 2,817 |
| Net charge-offs to loans | -0.0283% | 4,177 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 77.9463% | 1,095 |
| Assets per employee ($millions) | 5.7861% | 3,105 |
| Cash dividends to net income (ytd only)* | 44.7842% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9310% | 431 |
| Loan loss allowance to noncurrent loans | 55.4931% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 1.7125% | 327 |
| Noncurrent loans to loans | 3.4797% | 160 |
| Net loans and leases to total assets | 48.2600% | 3,650 |
| Net loans and leases to deposits | 55.3942% | 3,681 |
| Net loans and leases to core deposits | 59.0102% | 3,723 |
| Total domestic deposits to total assets | 87.1300% | 1,867 |
| Equity capital to assets | 7.5282% | 3,836 |
| Core capital (leverage) ratio | 8.6720% | 3,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7060% | 1,337 |
| Memoranda: | ||
| Average total assets | $407,526,000 | 2,050 |
| Average earning assets | $372,154,500 | 2,061 |
| Average equity | $29,535,000 | 2,448 |
| Average total loans | $198,204,500 | 2,419 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1700% | 4,178 |
| Cost of funding earning assets | 1.1180% | 3,915 |
| Net interest margin | 3.0520% | 3,055 |
| Noninterest income to average assets | 0.9500% | 672 |
| Noninterest expense to average assets | 2.9403% | 1,251 |
| Loan and lease loss provision to assets | 0.1400% | 990 |
| Net operating income to assets | 0.5589% | 3,333 |
| Return on assets (ROA) | 0.5294% | 3,421 |
| Pretax return on assets | 0.6343% | 3,403 |
| Return on Equity (ROE) | 8.3200% | 2,655 |
| Retained earnings to average equity (ytd only) | 3.4934% | 2,832 |
| Net charge-offs to loans | 0.0357% | 1,856 |
| Credit loss provision to net charge-offs | 857.1429% | 431 |
| Earnings coverage of net charge-offs (x) | 48.3429% | 1,231 |
| Efficiency ratio | 78.3119% | 1,176 |
| Assets per employee ($millions) | 5.8575% | 2,984 |
| Cash dividends to net income (ytd only)* | 58.0000% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8698% | 473 |
| Loan loss allowance to noncurrent loans | 53.0598% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 1.6938% | 284 |
| Noncurrent loans to loans | 3.5239% | 138 |
| Net loans and leases to total assets | 47.1700% | 3,764 |
| Net loans and leases to deposits | 53.7210% | 3,809 |
| Net loans and leases to core deposits | 56.9895% | 3,855 |
| Total domestic deposits to total assets | 87.8000% | 1,591 |
| Equity capital to assets | 6.9700% | 3,974 |
| Core capital (leverage) ratio | 8.4118% | 4,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6311% | 1,359 |
| Memoranda: | ||
| Average total assets | $415,572,200 | 1,997 |
| Average earning assets | $381,680,400 | 2,008 |
| Average equity | $26,450,000 | 2,552 |
| Average total loans | $195,843,400 | 2,402 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1117% | 4,217 |
| Cost of funding earning assets | 1.1055% | 3,929 |
| Net interest margin | 3.0062% | 3,075 |
| Noninterest income to average assets | 0.9500% | 652 |
| Noninterest expense to average assets | 2.9147% | 1,226 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 0.5903% | 3,250 |
| Return on assets (ROA) | 0.5519% | 3,369 |
| Pretax return on assets | 0.6843% | 3,311 |
| Return on Equity (ROE) | 8.8800% | 2,500 |
| Retained earnings to average equity (ytd only) | 4.8768% | 2,519 |
| Net charge-offs to loans | 0.0368% | 1,602 |
| Credit loss provision to net charge-offs | 370.3704% | 766 |
| Earnings coverage of net charge-offs (x) | 46.0741% | 1,251 |
| Efficiency ratio | 78.5573% | 1,183 |
| Assets per employee ($millions) | 6.0309% | 2,844 |
| Cash dividends to net income (ytd only)* | 45.0753% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6896% | 673 |
| Loan loss allowance to noncurrent loans | 49.4014% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 1.6001% | 304 |
| Noncurrent loans to loans | 3.4201% | 151 |
| Net loans and leases to total assets | 45.5000% | 3,851 |
| Net loans and leases to deposits | 52.5000% | 3,862 |
| Net loans and leases to core deposits | 74.5839% | 3,150 |
| Total domestic deposits to total assets | 86.6600% | 1,707 |
| Equity capital to assets | 7.0091% | 4,124 |
| Core capital (leverage) ratio | 8.4527% | 4,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9326% | 1,550 |
| Memoranda: | ||
| Average total assets | $416,958,250 | 1,988 |
| Average earning assets | $383,414,250 | 2,006 |
| Average equity | $25,917,750 | 2,576 |
| Average total loans | $195,534,250 | 2,395 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0910% | 4,221 |
| Cost of funding earning assets | 1.1220% | 3,895 |
| Net interest margin | 2.9690% | 3,114 |
| Noninterest income to average assets | 0.9100% | 696 |
| Noninterest expense to average assets | 2.9257% | 1,206 |
| Loan and lease loss provision to assets | 0.0200% | 2,508 |
| Net operating income to assets | 0.5521% | 3,304 |
| Return on assets (ROA) | 0.5486% | 3,341 |
| Pretax return on assets | 0.6792% | 3,272 |
| Return on Equity (ROE) | 9.2300% | 2,393 |
| Retained earnings to average equity (ytd only) | 4.9324% | 2,354 |
| Net charge-offs to loans | 0.0337% | 1,497 |
| Credit loss provision to net charge-offs | 151.5152% | 1,209 |
| Earnings coverage of net charge-offs (x) | 44.5152% | 1,194 |
| Efficiency ratio | 80.5250% | 1,087 |
| Assets per employee ($millions) | 5.8057% | 2,965 |
| Cash dividends to net income (ytd only)* | 46.5320% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6056% | 844 |
| Loan loss allowance to noncurrent loans | 49.2317% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 1.6266% | 290 |
| Noncurrent loans to loans | 3.2614% | 163 |
| Net loans and leases to total assets | 48.5200% | 3,724 |
| Net loans and leases to deposits | 56.7310% | 3,721 |
| Net loans and leases to core deposits | 61.3642% | 3,718 |
| Total domestic deposits to total assets | 85.5300% | 2,138 |
| Equity capital to assets | 6.3883% | 4,131 |
| Core capital (leverage) ratio | 8.3463% | 4,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9933% | 1,275 |
| Memoranda: | ||
| Average total assets | $415,223,333 | 1,996 |
| Average earning assets | $380,738,667 | 2,012 |
| Average equity | $24,693,667 | 2,609 |
| Average total loans | $195,586,667 | 2,385 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9913% | 4,259 |
| Cost of funding earning assets | 1.1043% | 3,877 |
| Net interest margin | 2.8870% | 3,220 |
| Noninterest income to average assets | 0.8500% | 733 |
| Noninterest expense to average assets | 2.8419% | 1,360 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.5190% | 3,345 |
| Return on assets (ROA) | 0.5121% | 3,386 |
| Pretax return on assets | 0.6418% | 3,297 |
| Return on Equity (ROE) | 8.9300% | 2,413 |
| Retained earnings to average equity (ytd only) | 4.8175% | 2,460 |
| Net charge-offs to loans | 0.0534% | 1,008 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 26.4231% | 1,219 |
| Efficiency ratio | 81.3771% | 1,099 |
| Assets per employee ($millions) | 6.0875% | 2,768 |
| Cash dividends to net income (ytd only)* | 46.0259% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6041% | 842 |
| Loan loss allowance to noncurrent loans | 48.9978% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 1.5337% | 291 |
| Noncurrent loans to loans | 3.2738% | 142 |
| Net loans and leases to total assets | 45.7000% | 3,823 |
| Net loans and leases to deposits | 56.6284% | 3,686 |
| Net loans and leases to core deposits | 57.7341% | 3,851 |
| Total domestic deposits to total assets | 80.6900% | 3,429 |
| Equity capital to assets | 5.8111% | 4,243 |
| Core capital (leverage) ratio | 8.0746% | 4,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1623% | 1,491 |
| Memoranda: | ||
| Average total assets | $422,538,500 | 1,980 |
| Average earning assets | $386,842,000 | 1,996 |
| Average equity | $24,245,000 | 2,643 |
| Average total loans | $194,603,500 | 2,386 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8584% | 4,118 |
| Cost of funding earning assets | 0.8812% | 3,561 |
| Net interest margin | 2.9771% | 3,334 |
| Noninterest income to average assets | 0.8700% | 812 |
| Noninterest expense to average assets | 3.0857% | 983 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4384% | 3,790 |
| Return on assets (ROA) | 0.4184% | 3,831 |
| Pretax return on assets | 0.4830% | 3,841 |
| Return on Equity (ROE) | 8.0000% | 3,024 |
| Retained earnings to average equity (ytd only) | 2.1843% | 3,540 |
| Net charge-offs to loans | 0.0170% | 2,034 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 64.6250% | 1,147 |
| Efficiency ratio | 85.9128% | 570 |
| Assets per employee ($millions) | 6.0720% | 2,762 |
| Cash dividends to net income (ytd only)* | 72.6901% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6251% | 797 |
| Loan loss allowance to noncurrent loans | 185.5882% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.4000% | 1,387 |
| Noncurrent loans to loans | 0.8757% | 870 |
| Net loans and leases to total assets | 44.9300% | 3,864 |
| Net loans and leases to deposits | 55.3671% | 3,739 |
| Net loans and leases to core deposits | 56.3969% | 3,899 |
| Total domestic deposits to total assets | 81.1600% | 3,281 |
| Equity capital to assets | 5.6656% | 4,304 |
| Core capital (leverage) ratio | 8.0397% | 4,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0980% | 1,507 |
| Memoranda: | ||
| Average total assets | $408,729,800 | 1,985 |
| Average earning assets | $374,017,200 | 1,997 |
| Average equity | $21,380,200 | 2,741 |
| Average total loans | $188,382,600 | 2,369 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7863% | 4,130 |
| Cost of funding earning assets | 0.8191% | 3,476 |
| Net interest margin | 2.9671% | 3,406 |
| Noninterest income to average assets | 0.8800% | 797 |
| Noninterest expense to average assets | 3.1463% | 877 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3457% | 4,059 |
| Return on assets (ROA) | 0.3213% | 4,095 |
| Pretax return on assets | 0.4168% | 4,037 |
| Return on Equity (ROE) | 6.2800% | 3,591 |
| Retained earnings to average equity (ytd only) | 1.4746% | 3,850 |
| Net charge-offs to loans | 0.0364% | 1,369 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 26.6471% | 1,661 |
| Efficiency ratio | 87.5413% | 459 |
| Assets per employee ($millions) | 6.0787% | 2,676 |
| Cash dividends to net income (ytd only)* | 76.5128% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6303% | 831 |
| Loan loss allowance to noncurrent loans | 231.7812% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.3259% | 1,720 |
| Noncurrent loans to loans | 0.7034% | 1,177 |
| Net loans and leases to total assets | 45.1100% | 3,865 |
| Net loans and leases to deposits | 55.0977% | 3,748 |
| Net loans and leases to core deposits | 55.8572% | 3,862 |
| Total domestic deposits to total assets | 81.8800% | 3,235 |
| Equity capital to assets | 4.7605% | 4,292 |
| Core capital (leverage) ratio | 8.0326% | 4,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5185% | 1,710 |
| Memoranda: | ||
| Average total assets | $404,652,500 | 1,998 |
| Average earning assets | $370,133,500 | 2,008 |
| Average equity | $20,705,000 | 2,788 |
| Average total loans | $186,943,000 | 2,388 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6513% | 4,195 |
| Cost of funding earning assets | 0.6997% | 3,489 |
| Net interest margin | 2.9517% | 3,557 |
| Noninterest income to average assets | 0.8700% | 741 |
| Noninterest expense to average assets | 3.2717% | 711 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2248% | 4,250 |
| Return on assets (ROA) | 0.1876% | 4,314 |
| Pretax return on assets | 0.2617% | 4,263 |
| Return on Equity (ROE) | 3.5800% | 4,084 |
| Retained earnings to average equity (ytd only) | -1.1646% | 4,233 |
| Net charge-offs to loans | 0.0227% | 1,429 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 29.3810% | 1,562 |
| Efficiency ratio | 91.3779% | 318 |
| Assets per employee ($millions) | 5.4278% | 3,210 |
| Cash dividends to net income (ytd only)* | 132.5333% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6519% | 834 |
| Loan loss allowance to noncurrent loans | 212.4832% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.3996% | 1,332 |
| Noncurrent loans to loans | 0.7774% | 978 |
| Net loans and leases to total assets | 46.9300% | 3,745 |
| Net loans and leases to deposits | 57.3451% | 3,571 |
| Net loans and leases to core deposits | 58.0764% | 3,713 |
| Total domestic deposits to total assets | 81.8400% | 3,263 |
| Equity capital to assets | 5.0852% | 4,366 |
| Core capital (leverage) ratio | 8.2665% | 4,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8129% | 1,618 |
| Memoranda: | ||
| Average total assets | $399,725,667 | 2,016 |
| Average earning assets | $367,317,000 | 2,022 |
| Average equity | $20,951,000 | 2,776 |
| Average total loans | $185,138,000 | 2,393 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5357% | 4,227 |
| Cost of funding earning assets | 0.6064% | 3,363 |
| Net interest margin | 2.9294% | 3,740 |
| Noninterest income to average assets | 0.8500% | 761 |
| Noninterest expense to average assets | 3.1036% | 927 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3840% | 4,111 |
| Return on assets (ROA) | 0.3220% | 4,174 |
| Pretax return on assets | 0.3712% | 4,171 |
| Return on Equity (ROE) | 6.0500% | 3,706 |
| Retained earnings to average equity (ytd only) | 1.3576% | 3,812 |
| Net charge-offs to loans | 0.0220% | 1,241 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 44.1000% | 1,143 |
| Efficiency ratio | 87.5248% | 440 |
| Assets per employee ($millions) | 5.4430% | 3,277 |
| Cash dividends to net income (ytd only)* | 77.5701% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7290% | 763 |
| Loan loss allowance to noncurrent loans | 202.3567% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.4241% | 1,215 |
| Noncurrent loans to loans | 0.8544% | 889 |
| Net loans and leases to total assets | 45.4500% | 3,803 |
| Net loans and leases to deposits | 50.6034% | 3,866 |
| Net loans and leases to core deposits | 51.3762% | 3,941 |
| Total domestic deposits to total assets | 89.8100% | 1,227 |
| Equity capital to assets | 5.6818% | 4,295 |
| Core capital (leverage) ratio | 8.3362% | 4,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8091% | 1,415 |
| Memoranda: | ||
| Average total assets | $398,760,500 | 2,046 |
| Average earning assets | $366,770,500 | 2,047 |
| Average equity | $21,214,000 | 2,781 |
| Average total loans | $181,876,500 | 2,437 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1760% | 3,860 |
| Cost of funding earning assets | 0.2208% | 3,590 |
| Net interest margin | 2.9552% | 3,561 |
| Noninterest income to average assets | 0.8500% | 895 |
| Noninterest expense to average assets | 2.9210% | 1,092 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.5238% | 4,047 |
| Return on assets (ROA) | 0.5211% | 4,006 |
| Pretax return on assets | 0.6227% | 3,991 |
| Return on Equity (ROE) | 8.7600% | 3,183 |
| Retained earnings to average equity (ytd only) | 3.6673% | 3,510 |
| Net charge-offs to loans | 0.0755% | 894 |
| Credit loss provision to net charge-offs | 51.9084% | 1,810 |
| Earnings coverage of net charge-offs (x) | 20.1298% | 1,892 |
| Efficiency ratio | 81.9705% | 596 |
| Assets per employee ($millions) | 5.3355% | 3,380 |
| Cash dividends to net income (ytd only)* | 58.1580% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7705% | 698 |
| Loan loss allowance to noncurrent loans | 212.4667% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.3961% | 1,291 |
| Noncurrent loans to loans | 0.8333% | 894 |
| Net loans and leases to total assets | 44.1900% | 3,884 |
| Net loans and leases to deposits | 48.6453% | 3,951 |
| Net loans and leases to core deposits | 49.1426% | 4,013 |
| Total domestic deposits to total assets | 90.8300% | 1,017 |
| Equity capital to assets | 4.9553% | 4,372 |
| Core capital (leverage) ratio | 8.3541% | 4,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1705% | 1,580 |
| Memoranda: | ||
| Average total assets | $410,446,400 | 1,987 |
| Average earning assets | $377,202,400 | 1,997 |
| Average equity | $24,404,800 | 2,609 |
| Average total loans | $173,509,400 | 2,423 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0688% | 3,742 |
| Cost of funding earning assets | 0.1916% | 3,376 |
| Net interest margin | 2.8772% | 3,551 |
| Noninterest income to average assets | 0.8600% | 906 |
| Noninterest expense to average assets | 2.8670% | 1,113 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.5181% | 4,035 |
| Return on assets (ROA) | 0.5146% | 3,991 |
| Pretax return on assets | 0.6127% | 3,967 |
| Return on Equity (ROE) | 8.3200% | 3,225 |
| Retained earnings to average equity (ytd only) | 4.4254% | 3,316 |
| Net charge-offs to loans | 0.0830% | 720 |
| Credit loss provision to net charge-offs | 63.5514% | 1,480 |
| Earnings coverage of net charge-offs (x) | 18.4953% | 1,758 |
| Efficiency ratio | 81.7772% | 661 |
| Assets per employee ($millions) | 5.3426% | 3,385 |
| Cash dividends to net income (ytd only)* | 46.8005% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8228% | 698 |
| Loan loss allowance to noncurrent loans | 183.5906% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.4365% | 1,251 |
| Noncurrent loans to loans | 0.9929% | 783 |
| Net loans and leases to total assets | 43.1600% | 3,926 |
| Net loans and leases to deposits | 45.5994% | 4,044 |
| Net loans and leases to core deposits | 46.0506% | 4,104 |
| Total domestic deposits to total assets | 94.6500% | 268 |
| Equity capital to assets | 4.9496% | 4,304 |
| Core capital (leverage) ratio | 8.4076% | 4,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6188% | 1,528 |
| Memoranda: | ||
| Average total assets | $413,018,000 | 1,990 |
| Average earning assets | $379,336,000 | 2,006 |
| Average equity | $25,548,750 | 2,593 |
| Average total loans | $171,885,500 | 2,440 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9655% | 3,642 |
| Cost of funding earning assets | 0.1893% | 3,057 |
| Net interest margin | 2.7762% | 3,510 |
| Noninterest income to average assets | 0.8443% | 956 |
| Noninterest expense to average assets | 2.8222% | 1,131 |
| Loan and lease loss provision to assets | 0.0326% | 2,001 |
| Net operating income to assets | 0.4603% | 3,984 |
| Return on assets (ROA) | 0.4550% | 3,945 |
| Pretax return on assets | 0.5365% | 3,946 |
| Return on Equity (ROE) | 6.9134% | 3,333 |
| Retained earnings to average equity (ytd only) | 3.2928% | 3,354 |
| Net charge-offs to loans | 0.0364% | 1,020 |
| Credit loss provision to net charge-offs | 219.3548% | 929 |
| Earnings coverage of net charge-offs (x) | 38.7097% | 1,275 |
| Efficiency ratio | 83.0652% | 733 |
| Assets per employee ($millions) | 5.2633% | 3,461 |
| Cash dividends to net income (ytd only)* | 52.3709% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8733% | 706 |
| Loan loss allowance to noncurrent loans | 143.5998% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.5722% | 986 |
| Noncurrent loans to loans | 1.3045% | 604 |
| Net loans and leases to total assets | 43.0439% | 3,902 |
| Net loans and leases to deposits | 45.7793% | 4,036 |
| Net loans and leases to core deposits | 46.3277% | 4,111 |
| Total domestic deposits to total assets | 94.0247% | 281 |
| Equity capital to assets | 5.5941% | 4,335 |
| Core capital (leverage) ratio | 8.3926% | 4,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7184% | 1,503 |
| Memoranda: | ||
| Average total assets | $417,125,667 | 1,985 |
| Average earning assets | $383,612,667 | 2,011 |
| Average equity | $27,454,000 | 2,554 |
| Average total loans | $170,462,333 | 2,460 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8496% | 3,650 |
| Cost of funding earning assets | 0.1924% | 2,903 |
| Net interest margin | 2.6572% | 3,508 |
| Noninterest income to average assets | 0.8250% | 981 |
| Noninterest expense to average assets | 2.7523% | 1,252 |
| Loan and lease loss provision to assets | 0.0254% | 1,908 |
| Net operating income to assets | 0.4191% | 3,917 |
| Return on assets (ROA) | 0.4191% | 3,881 |
| Pretax return on assets | 0.4999% | 3,870 |
| Return on Equity (ROE) | 5.9482% | 3,357 |
| Retained earnings to average equity (ytd only) | 2.6273% | 3,380 |
| Net charge-offs to loans | 0.0643% | 686 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | 20.7037% | 1,270 |
| Efficiency ratio | 83.9736% | 852 |
| Assets per employee ($millions) | 5.3974% | 3,391 |
| Cash dividends to net income (ytd only)* | 55.8296% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9495% | 677 |
| Loan loss allowance to noncurrent loans | 142.6690% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.5525% | 1,090 |
| Noncurrent loans to loans | 1.3665% | 632 |
| Net loans and leases to total assets | 38.8266% | 4,076 |
| Net loans and leases to deposits | 41.5795% | 4,177 |
| Net loans and leases to core deposits | 41.9701% | 4,241 |
| Total domestic deposits to total assets | 93.3791% | 189 |
| Equity capital to assets | 6.2582% | 4,514 |
| Core capital (leverage) ratio | 7.8768% | 4,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8674% | 1,296 |
| Memoranda: | ||
| Average total assets | $425,682,000 | 1,962 |
| Average earning assets | $392,894,500 | 1,980 |
| Average equity | $29,992,500 | 2,483 |
| Average total loans | $167,959,500 | 2,475 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3311% | 3,110 |
| Cost of funding earning assets | 0.2374% | 3,067 |
| Net interest margin | 3.0937% | 2,921 |
| Noninterest income to average assets | 1.1230% | 833 |
| Noninterest expense to average assets | 2.9345% | 1,089 |
| Loan and lease loss provision to assets | 0.0511% | 2,038 |
| Net operating income to assets | 0.8108% | 3,304 |
| Return on assets (ROA) | 0.8182% | 3,348 |
| Pretax return on assets | 0.9876% | 3,294 |
| Return on Equity (ROE) | 9.5704% | 2,694 |
| Retained earnings to average equity (ytd only) | 5.5185% | 2,558 |
| Net charge-offs to loans | 0.1272% | 715 |
| Credit loss provision to net charge-offs | 88.8889% | 1,888 |
| Earnings coverage of net charge-offs (x) | 17.9017% | 1,921 |
| Efficiency ratio | 74.0217% | 1,299 |
| Assets per employee ($millions) | 5.7382% | 3,016 |
| Cash dividends to net income (ytd only)* | 42.3377% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9207% | 698 |
| Loan loss allowance to noncurrent loans | 133.5799% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.5688% | 1,163 |
| Noncurrent loans to loans | 1.4379% | 643 |
| Net loans and leases to total assets | 38.5625% | 4,156 |
| Net loans and leases to deposits | 41.9904% | 4,273 |
| Net loans and leases to core deposits | 42.4440% | 4,330 |
| Total domestic deposits to total assets | 91.8365% | 227 |
| Equity capital to assets | 7.8161% | 4,461 |
| Core capital (leverage) ratio | 7.7646% | 4,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $406,752,000 | 1,965 |
| Average earning assets | $373,567,800 | 1,991 |
| Average equity | $34,773,800 | 2,303 |
| Average total loans | $183,995,200 | 2,352 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4901% | 2,859 |
| Cost of funding earning assets | 0.2523% | 3,101 |
| Net interest margin | 3.2378% | 2,616 |
| Noninterest income to average assets | 1.1751% | 831 |
| Noninterest expense to average assets | 2.8229% | 1,290 |
| Loan and lease loss provision to assets | 0.0691% | 1,625 |
| Net operating income to assets | 1.0180% | 2,841 |
| Return on assets (ROA) | 1.0278% | 2,872 |
| Pretax return on assets | 1.2570% | 2,746 |
| Return on Equity (ROE) | 11.7517% | 2,133 |
| Retained earnings to average equity (ytd only) | 8.9146% | 1,730 |
| Net charge-offs to loans | 0.0135% | 1,825 |
| Credit loss provision to net charge-offs | 1,094.7368% | 492 |
| Earnings coverage of net charge-offs (x) | 207.9474% | 537 |
| Efficiency ratio | 68.2344% | 1,787 |
| Assets per employee ($millions) | 5.6619% | 3,029 |
| Cash dividends to net income (ytd only)* | 24.1424% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9915% | 642 |
| Loan loss allowance to noncurrent loans | 123.1863% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.6840% | 1,096 |
| Noncurrent loans to loans | 1.6167% | 635 |
| Net loans and leases to total assets | 41.2451% | 4,132 |
| Net loans and leases to deposits | 45.3562% | 4,260 |
| Net loans and leases to core deposits | 45.8392% | 4,329 |
| Total domestic deposits to total assets | 90.9359% | 391 |
| Equity capital to assets | 8.6240% | 4,120 |
| Core capital (leverage) ratio | 8.8975% | 3,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $400,848,500 | 2,002 |
| Average earning assets | $366,699,500 | 2,034 |
| Average equity | $35,057,750 | 2,319 |
| Average total loans | $187,691,500 | 2,357 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5785% | 2,690 |
| Cost of funding earning assets | 0.2653% | 3,130 |
| Net interest margin | 3.3132% | 2,400 |
| Noninterest income to average assets | 1.2357% | 761 |
| Noninterest expense to average assets | 2.7165% | 1,547 |
| Loan and lease loss provision to assets | 0.1049% | 1,197 |
| Net operating income to assets | 1.2057% | 2,172 |
| Return on assets (ROA) | 1.2140% | 2,212 |
| Pretax return on assets | 1.4651% | 2,124 |
| Return on Equity (ROE) | 13.8145% | 1,474 |
| Retained earnings to average equity (ytd only) | 10.9632% | 1,133 |
| Net charge-offs to loans | 0.0125% | 1,705 |
| Credit loss provision to net charge-offs | 1,733.3333% | 319 |
| Earnings coverage of net charge-offs (x) | 257.8333% | 426 |
| Efficiency ratio | 63.5228% | 2,497 |
| Assets per employee ($millions) | 5.2394% | 3,422 |
| Cash dividends to net income (ytd only)* | 20.6395% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9026% | 734 |
| Loan loss allowance to noncurrent loans | 146.3322% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.5917% | 1,412 |
| Noncurrent loans to loans | 1.3002% | 908 |
| Net loans and leases to total assets | 44.3603% | 4,022 |
| Net loans and leases to deposits | 49.0875% | 4,160 |
| Net loans and leases to core deposits | 49.6246% | 4,249 |
| Total domestic deposits to total assets | 90.3700% | 613 |
| Equity capital to assets | 8.7573% | 4,007 |
| Core capital (leverage) ratio | 8.6796% | 3,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $396,690,667 | 2,016 |
| Average earning assets | $364,059,667 | 2,040 |
| Average equity | $34,862,000 | 2,320 |
| Average total loans | $192,275,667 | 2,331 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4841% | 2,969 |
| Cost of funding earning assets | 0.2792% | 3,195 |
| Net interest margin | 3.2048% | 2,681 |
| Noninterest income to average assets | 1.2895% | 762 |
| Noninterest expense to average assets | 2.6828% | 1,658 |
| Loan and lease loss provision to assets | 0.1271% | 1,080 |
| Net operating income to assets | 1.1632% | 2,287 |
| Return on assets (ROA) | 1.1797% | 2,303 |
| Pretax return on assets | 1.4533% | 2,128 |
| Return on Equity (ROE) | 13.3996% | 1,570 |
| Retained earnings to average equity (ytd only) | 10.5348% | 1,506 |
| Net charge-offs to loans | -0.0142% | 3,835 |
| Credit loss provision to net charge-offs | -1,785.7143% | 3,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2311% | 2,572 |
| Assets per employee ($millions) | 5.2425% | 3,388 |
| Cash dividends to net income (ytd only)* | 21.3793% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7234% | 995 |
| Loan loss allowance to noncurrent loans | 140.6108% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.6157% | 1,545 |
| Noncurrent loans to loans | 1.2257% | 1,077 |
| Net loans and leases to total assets | 48.7615% | 3,739 |
| Net loans and leases to deposits | 53.8546% | 3,947 |
| Net loans and leases to core deposits | 54.4519% | 4,073 |
| Total domestic deposits to total assets | 90.5429% | 568 |
| Equity capital to assets | 8.5955% | 4,050 |
| Core capital (leverage) ratio | 8.5089% | 4,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $393,317,500 | 2,018 |
| Average earning assets | $362,451,000 | 2,033 |
| Average equity | $34,628,000 | 2,325 |
| Average total loans | $197,195,000 | 2,301 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0053% | 2,707 |
| Cost of funding earning assets | 0.3743% | 3,743 |
| Net interest margin | 3.6310% | 2,039 |
| Noninterest income to average assets | 1.3093% | 673 |
| Noninterest expense to average assets | 3.0937% | 1,246 |
| Loan and lease loss provision to assets | 0.3563% | 960 |
| Net operating income to assets | 1.0039% | 2,276 |
| Return on assets (ROA) | 1.0151% | 2,381 |
| Pretax return on assets | 1.2220% | 2,254 |
| Return on Equity (ROE) | 10.7550% | 1,719 |
| Retained earnings to average equity (ytd only) | 4.2289% | 2,696 |
| Net charge-offs to loans | 0.0779% | 1,694 |
| Credit loss provision to net charge-offs | 860.0000% | 856 |
| Earnings coverage of net charge-offs (x) | 37.7667% | 1,431 |
| Efficiency ratio | 66.4097% | 2,465 |
| Assets per employee ($millions) | 5.2460% | 3,097 |
| Cash dividends to net income (ytd only)* | 60.6803% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6650% | 1,123 |
| Loan loss allowance to noncurrent loans | 140.6183% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.6664% | 1,569 |
| Noncurrent loans to loans | 1.1840% | 1,195 |
| Net loans and leases to total assets | 49.8261% | 3,845 |
| Net loans and leases to deposits | 55.3856% | 4,037 |
| Net loans and leases to core deposits | 55.9691% | 4,152 |
| Total domestic deposits to total assets | 89.9622% | 580 |
| Equity capital to assets | 9.0182% | 4,036 |
| Core capital (leverage) ratio | 8.2637% | 4,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $362,023,800 | 1,996 |
| Average earning assets | $333,933,800 | 2,008 |
| Average equity | $34,170,000 | 2,274 |
| Average total loans | $192,481,600 | 2,307 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1856% | 2,435 |
| Cost of funding earning assets | 0.3967% | 3,825 |
| Net interest margin | 3.7889% | 1,650 |
| Noninterest income to average assets | 1.2805% | 661 |
| Noninterest expense to average assets | 3.0400% | 1,353 |
| Loan and lease loss provision to assets | 0.4369% | 755 |
| Net operating income to assets | 0.9965% | 2,349 |
| Return on assets (ROA) | 1.0007% | 2,465 |
| Pretax return on assets | 1.2944% | 2,077 |
| Return on Equity (ROE) | 10.4747% | 1,852 |
| Retained earnings to average equity (ytd only) | 7.4831% | 1,500 |
| Net charge-offs to loans | 0.0731% | 1,575 |
| Credit loss provision to net charge-offs | 1,109.5238% | 777 |
| Earnings coverage of net charge-offs (x) | 43.8286% | 1,290 |
| Efficiency ratio | 63.7837% | 2,773 |
| Assets per employee ($millions) | 5.3887% | 2,805 |
| Cash dividends to net income (ytd only)* | 28.5607% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5409% | 1,265 |
| Loan loss allowance to noncurrent loans | 146.4040% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.6623% | 1,745 |
| Noncurrent loans to loans | 1.0525% | 1,417 |
| Net loans and leases to total assets | 51.2121% | 4,018 |
| Net loans and leases to deposits | 57.2464% | 4,200 |
| Net loans and leases to core deposits | 57.7956% | 4,314 |
| Total domestic deposits to total assets | 89.4592% | 593 |
| Equity capital to assets | 8.9517% | 4,152 |
| Core capital (leverage) ratio | 8.3090% | 4,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $355,478,750 | 2,007 |
| Average earning assets | $327,020,000 | 2,020 |
| Average equity | $33,960,250 | 2,280 |
| Average total loans | $191,426,500 | 2,314 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2317% | 2,661 |
| Cost of funding earning assets | 0.4130% | 3,981 |
| Net interest margin | 3.8187% | 1,777 |
| Noninterest income to average assets | 1.2315% | 666 |
| Noninterest expense to average assets | 3.1731% | 1,206 |
| Loan and lease loss provision to assets | 0.4691% | 808 |
| Net operating income to assets | 0.9279% | 2,593 |
| Return on assets (ROA) | 0.9348% | 2,689 |
| Pretax return on assets | 1.1277% | 2,628 |
| Return on Equity (ROE) | 9.5502% | 2,125 |
| Retained earnings to average equity (ytd only) | 6.5066% | 1,859 |
| Net charge-offs to loans | 0.0634% | 1,610 |
| Credit loss provision to net charge-offs | 1,355.9322% | 647 |
| Earnings coverage of net charge-offs (x) | 45.9153% | 1,162 |
| Efficiency ratio | 66.6379% | 2,426 |
| Assets per employee ($millions) | 5.0519% | 3,109 |
| Cash dividends to net income (ytd only)* | 31.8695% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3714% | 1,684 |
| Loan loss allowance to noncurrent loans | 117.9098% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.7480% | 1,650 |
| Noncurrent loans to loans | 1.1631% | 1,352 |
| Net loans and leases to total assets | 54.6110% | 3,825 |
| Net loans and leases to deposits | 61.1222% | 4,060 |
| Net loans and leases to core deposits | 61.7860% | 4,184 |
| Total domestic deposits to total assets | 89.3473% | 629 |
| Equity capital to assets | 9.1299% | 3,978 |
| Core capital (leverage) ratio | 8.6642% | 4,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $341,050,667 | 2,043 |
| Average earning assets | $315,290,667 | 2,048 |
| Average equity | $33,381,667 | 2,300 |
| Average total loans | $186,098,333 | 2,345 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1786% | 3,294 |
| Cost of funding earning assets | 0.4502% | 4,153 |
| Net interest margin | 3.7284% | 2,224 |
| Noninterest income to average assets | 1.0244% | 811 |
| Noninterest expense to average assets | 3.4843% | 959 |
| Loan and lease loss provision to assets | 0.3787% | 809 |
| Net operating income to assets | 0.4928% | 3,909 |
| Return on assets (ROA) | 0.4967% | 3,961 |
| Pretax return on assets | 0.6320% | 3,859 |
| Return on Equity (ROE) | 4.8815% | 3,676 |
| Retained earnings to average equity (ytd only) | 1.7818% | 3,519 |
| Net charge-offs to loans | 0.1033% | 1,058 |
| Credit loss provision to net charge-offs | 677.7778% | 738 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,479 |
| Efficiency ratio | 77.5996% | 1,384 |
| Assets per employee ($millions) | 4.4109% | 3,396 |
| Cash dividends to net income (ytd only)* | 63.5000% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3525% | 1,897 |
| Loan loss allowance to noncurrent loans | 80.0736% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 1.0513% | 1,244 |
| Noncurrent loans to loans | 1.6890% | 902 |
| Net loans and leases to total assets | 54.2522% | 3,964 |
| Net loans and leases to deposits | 62.2224% | 4,087 |
| Net loans and leases to core deposits | 63.0349% | 4,231 |
| Total domestic deposits to total assets | 87.1908% | 1,473 |
| Equity capital to assets | 10.3160% | 3,504 |
| Core capital (leverage) ratio | 9.6522% | 3,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $322,131,500 | 2,079 |
| Average earning assets | $299,433,000 | 2,079 |
| Average equity | $32,776,500 | 2,312 |
| Average total loans | $174,251,500 | 2,425 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2471% | 3,691 |
| Cost of funding earning assets | 0.4756% | 4,187 |
| Net interest margin | 3.7716% | 2,600 |
| Noninterest income to average assets | 0.9644% | 1,045 |
| Noninterest expense to average assets | 3.2440% | 1,422 |
| Loan and lease loss provision to assets | 0.5301% | 238 |
| Net operating income to assets | 0.6068% | 4,134 |
| Return on assets (ROA) | 0.6534% | 4,080 |
| Pretax return on assets | 0.7465% | 4,094 |
| Return on Equity (ROE) | 6.6834% | 3,667 |
| Retained earnings to average equity (ytd only) | 2.5855% | 3,739 |
| Net charge-offs to loans | 0.8444% | 194 |
| Credit loss provision to net charge-offs | 117.4483% | 2,150 |
| Earnings coverage of net charge-offs (x) | 2.7110% | 3,385 |
| Efficiency ratio | 72.6101% | 1,782 |
| Assets per employee ($millions) | 4.1853% | 3,649 |
| Cash dividends to net income (ytd only)* | 61.3149% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 2,194 |
| Loan loss allowance to noncurrent loans | 89.6306% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 0.8614% | 1,487 |
| Noncurrent loans to loans | 1.3896% | 1,055 |
| Net loans and leases to total assets | 52.5288% | 4,182 |
| Net loans and leases to deposits | 59.7825% | 4,302 |
| Net loans and leases to core deposits | 60.6749% | 4,413 |
| Total domestic deposits to total assets | 87.8666% | 1,188 |
| Equity capital to assets | 10.0339% | 3,883 |
| Core capital (leverage) ratio | 9.4922% | 4,074 |
| Tier 1 risk-based capital ratio | 14.5216% | 3,005 |
| Total risk-based capital ratio | 15.5392% | 3,038 |
| Memoranda: | ||
| Average total assets | $321,243,200 | 2,030 |
| Average earning assets | $298,391,000 | 2,038 |
| Average equity | $31,406,000 | 2,326 |
| Average total loans | $171,726,800 | 2,402 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2392% | 3,831 |
| Cost of funding earning assets | 0.4826% | 4,210 |
| Net interest margin | 3.7566% | 2,731 |
| Noninterest income to average assets | 0.8922% | 1,160 |
| Noninterest expense to average assets | 3.2420% | 1,387 |
| Loan and lease loss provision to assets | 0.6555% | 165 |
| Net operating income to assets | 0.4313% | 4,656 |
| Return on assets (ROA) | 0.4328% | 4,688 |
| Pretax return on assets | 0.4789% | 4,724 |
| Return on Equity (ROE) | 4.4567% | 4,489 |
| Retained earnings to average equity (ytd only) | 1.1249% | 4,536 |
| Net charge-offs to loans | 1.1524% | 126 |
| Credit loss provision to net charge-offs | 106.2626% | 2,148 |
| Earnings coverage of net charge-offs (x) | 1.8364% | 3,249 |
| Efficiency ratio | 74.1075% | 1,549 |
| Assets per employee ($millions) | 4.3362% | 3,431 |
| Cash dividends to net income (ytd only)* | 74.7600% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1452% | 2,798 |
| Loan loss allowance to noncurrent loans | 83.4107% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 0.8785% | 1,561 |
| Noncurrent loans to loans | 1.3730% | 1,123 |
| Net loans and leases to total assets | 52.4486% | 4,288 |
| Net loans and leases to deposits | 60.2683% | 4,371 |
| Net loans and leases to core deposits | 61.3580% | 4,484 |
| Total domestic deposits to total assets | 87.0251% | 1,498 |
| Equity capital to assets | 9.8745% | 4,139 |
| Core capital (leverage) ratio | 9.4432% | 4,228 |
| Tier 1 risk-based capital ratio | 14.0547% | 3,300 |
| Total risk-based capital ratio | 14.9835% | 3,367 |
| Memoranda: | ||
| Average total assets | $320,987,250 | 2,038 |
| Average earning assets | $297,563,750 | 2,054 |
| Average equity | $31,173,500 | 2,352 |
| Average total loans | $171,804,000 | 2,430 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2853% | 3,673 |
| Cost of funding earning assets | 0.4929% | 4,147 |
| Net interest margin | 3.7924% | 2,603 |
| Noninterest income to average assets | 0.8230% | 1,274 |
| Noninterest expense to average assets | 3.2956% | 1,291 |
| Loan and lease loss provision to assets | 0.1565% | 1,163 |
| Net operating income to assets | 0.7476% | 3,842 |
| Return on assets (ROA) | 0.7497% | 3,897 |
| Pretax return on assets | 0.8787% | 3,910 |
| Return on Equity (ROE) | 7.7640% | 3,397 |
| Retained earnings to average equity (ytd only) | 4.3616% | 3,086 |
| Net charge-offs to loans | 0.1959% | 845 |
| Credit loss provision to net charge-offs | 148.8095% | 1,504 |
| Earnings coverage of net charge-offs (x) | 9.8214% | 2,312 |
| Efficiency ratio | 76.1423% | 1,380 |
| Assets per employee ($millions) | 3.9896% | 3,876 |
| Cash dividends to net income (ytd only)* | 43.8230% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1569% | 2,759 |
| Loan loss allowance to noncurrent loans | 59.2995% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 1.2275% | 1,069 |
| Noncurrent loans to loans | 1.9509% | 743 |
| Net loans and leases to total assets | 54.6233% | 4,172 |
| Net loans and leases to deposits | 63.3916% | 4,254 |
| Net loans and leases to core deposits | 64.6489% | 4,381 |
| Total domestic deposits to total assets | 86.1681% | 1,946 |
| Equity capital to assets | 10.5051% | 3,513 |
| Core capital (leverage) ratio | 9.7221% | 3,908 |
| Tier 1 risk-based capital ratio | 14.5041% | 3,067 |
| Total risk-based capital ratio | 15.4438% | 3,136 |
| Memoranda: | ||
| Average total assets | $319,579,000 | 2,050 |
| Average earning assets | $295,380,330 | 2,064 |
| Average equity | $30,860,330 | 2,362 |
| Average total loans | $171,557,000 | 2,441 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1961% | 3,886 |
| Cost of funding earning assets | 0.5064% | 4,031 |
| Net interest margin | 3.6896% | 2,933 |
| Noninterest income to average assets | 0.7650% | 1,379 |
| Noninterest expense to average assets | 3.3017% | 1,285 |
| Loan and lease loss provision to assets | 0.1535% | 1,090 |
| Net operating income to assets | 0.6290% | 4,148 |
| Return on assets (ROA) | 0.6311% | 4,185 |
| Pretax return on assets | 0.7294% | 4,226 |
| Return on Equity (ROE) | 6.8182% | 3,740 |
| Retained earnings to average equity (ytd only) | 3.4489% | 3,534 |
| Net charge-offs to loans | 0.0951% | 1,180 |
| Credit loss provision to net charge-offs | 304.8780% | 813 |
| Earnings coverage of net charge-offs (x) | 17.4878% | 1,656 |
| Efficiency ratio | 78.9489% | 1,164 |
| Assets per employee ($millions) | 4.2447% | 3,553 |
| Cash dividends to net income (ytd only)* | 49.4163% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1444% | 2,886 |
| Loan loss allowance to noncurrent loans | 61.4759% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 1.1336% | 1,202 |
| Noncurrent loans to loans | 1.8616% | 821 |
| Net loans and leases to total assets | 52.6415% | 4,294 |
| Net loans and leases to deposits | 60.2943% | 4,393 |
| Net loans and leases to core deposits | 61.2785% | 4,519 |
| Total domestic deposits to total assets | 87.3077% | 1,661 |
| Equity capital to assets | 9.5277% | 4,234 |
| Core capital (leverage) ratio | 9.2401% | 4,421 |
| Tier 1 risk-based capital ratio | 14.0509% | 3,317 |
| Total risk-based capital ratio | 14.9747% | 3,396 |
| Memoranda: | ||
| Average total assets | $325,767,500 | 2,036 |
| Average earning assets | $301,711,000 | 2,038 |
| Average equity | $30,154,500 | 2,400 |
| Average total loans | $172,451,500 | 2,452 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0322% | 3,941 |
| Cost of funding earning assets | 0.4311% | 3,793 |
| Net interest margin | 3.6010% | 3,379 |
| Noninterest income to average assets | 0.8182% | 1,400 |
| Noninterest expense to average assets | 3.1516% | 1,674 |
| Loan and lease loss provision to assets | 0.1585% | 1,300 |
| Net operating income to assets | 0.7672% | 3,918 |
| Return on assets (ROA) | 0.7691% | 3,920 |
| Pretax return on assets | 0.8864% | 3,931 |
| Return on Equity (ROE) | 8.4044% | 3,266 |
| Retained earnings to average equity (ytd only) | 3.9493% | 3,402 |
| Net charge-offs to loans | 0.5491% | 319 |
| Credit loss provision to net charge-offs | 52.8541% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.4767% | 3,407 |
| Efficiency ratio | 75.1398% | 1,476 |
| Assets per employee ($millions) | 4.2719% | 3,506 |
| Cash dividends to net income (ytd only)* | 53.0091% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0871% | 3,187 |
| Loan loss allowance to noncurrent loans | 62.5042% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 1.0172% | 1,343 |
| Noncurrent loans to loans | 1.7393% | 824 |
| Net loans and leases to total assets | 52.0569% | 4,406 |
| Net loans and leases to deposits | 59.2527% | 4,517 |
| Net loans and leases to core deposits | 60.5798% | 4,604 |
| Total domestic deposits to total assets | 87.8558% | 1,369 |
| Equity capital to assets | 8.9904% | 4,584 |
| Core capital (leverage) ratio | 9.2357% | 4,411 |
| Tier 1 risk-based capital ratio | 14.0968% | 3,247 |
| Total risk-based capital ratio | 14.9919% | 3,341 |
| Memoranda: | ||
| Average total assets | $315,431,400 | 2,065 |
| Average earning assets | $295,721,200 | 2,043 |
| Average equity | $28,865,800 | 2,402 |
| Average total loans | $172,274,600 | 2,419 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0078% | 3,901 |
| Cost of funding earning assets | 0.4072% | 3,809 |
| Net interest margin | 3.6006% | 3,363 |
| Noninterest income to average assets | 0.8067% | 1,451 |
| Noninterest expense to average assets | 3.1229% | 1,708 |
| Loan and lease loss provision to assets | 0.1850% | 981 |
| Net operating income to assets | 0.7462% | 4,089 |
| Return on assets (ROA) | 0.7473% | 4,093 |
| Pretax return on assets | 0.8738% | 4,105 |
| Return on Equity (ROE) | 8.1283% | 3,496 |
| Retained earnings to average equity (ytd only) | 4.5126% | 3,494 |
| Net charge-offs to loans | 0.7594% | 183 |
| Credit loss provision to net charge-offs | 44.1837% | 2,873 |
| Earnings coverage of net charge-offs (x) | 2.5255% | 3,236 |
| Efficiency ratio | 74.7036% | 1,493 |
| Assets per employee ($millions) | 4.1731% | 3,613 |
| Cash dividends to net income (ytd only)* | 44.4827% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 3,467 |
| Loan loss allowance to noncurrent loans | 82.8678% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 0.7829% | 1,900 |
| Noncurrent loans to loans | 1.2659% | 1,332 |
| Net loans and leases to total assets | 52.9403% | 4,427 |
| Net loans and leases to deposits | 61.9716% | 4,443 |
| Net loans and leases to core deposits | 75.5450% | 3,834 |
| Total domestic deposits to total assets | 85.4268% | 2,441 |
| Equity capital to assets | 9.0485% | 4,507 |
| Core capital (leverage) ratio | 9.4626% | 4,220 |
| Tier 1 risk-based capital ratio | 14.1614% | 3,292 |
| Total risk-based capital ratio | 15.0171% | 3,398 |
| Memoranda: | ||
| Average total assets | $312,054,750 | 2,095 |
| Average earning assets | $292,388,000 | 2,078 |
| Average equity | $28,689,000 | 2,423 |
| Average total loans | $172,064,000 | 2,431 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9766% | 3,854 |
| Cost of funding earning assets | 0.3785% | 3,880 |
| Net interest margin | 3.5982% | 3,317 |
| Noninterest income to average assets | 0.7185% | 1,801 |
| Noninterest expense to average assets | 3.1500% | 1,662 |
| Loan and lease loss provision to assets | 0.2352% | 674 |
| Net operating income to assets | 0.6142% | 4,451 |
| Return on assets (ROA) | 0.6148% | 4,454 |
| Pretax return on assets | 0.7037% | 4,501 |
| Return on Equity (ROE) | 6.6513% | 4,007 |
| Retained earnings to average equity (ytd only) | 3.1095% | 4,004 |
| Net charge-offs to loans | 0.2962% | 539 |
| Credit loss provision to net charge-offs | 142.5781% | 1,627 |
| Earnings coverage of net charge-offs (x) | 5.6875% | 2,691 |
| Efficiency ratio | 77.0492% | 1,309 |
| Assets per employee ($millions) | 3.9641% | 3,956 |
| Cash dividends to net income (ytd only)* | 53.2495% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3970% | 1,759 |
| Loan loss allowance to noncurrent loans | 49.7753% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 1.6993% | 723 |
| Noncurrent loans to loans | 2.8065% | 430 |
| Net loans and leases to total assets | 56.3542% | 4,132 |
| Net loans and leases to deposits | 65.6562% | 4,185 |
| Net loans and leases to core deposits | 76.8919% | 3,670 |
| Total domestic deposits to total assets | 85.8323% | 2,354 |
| Equity capital to assets | 9.3327% | 4,256 |
| Core capital (leverage) ratio | 9.4593% | 4,163 |
| Tier 1 risk-based capital ratio | 13.6030% | 3,563 |
| Total risk-based capital ratio | 14.7486% | 3,530 |
| Memoranda: | ||
| Average total assets | $310,354,000 | 2,116 |
| Average earning assets | $290,648,000 | 2,097 |
| Average equity | $28,686,000 | 2,431 |
| Average total loans | $172,857,330 | 2,421 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8790% | 3,987 |
| Cost of funding earning assets | 0.3609% | 3,904 |
| Net interest margin | 3.5181% | 3,469 |
| Noninterest income to average assets | 0.6737% | 1,943 |
| Noninterest expense to average assets | 3.1613% | 1,662 |
| Loan and lease loss provision to assets | 0.1598% | 1,130 |
| Net operating income to assets | 0.5778% | 4,490 |
| Return on assets (ROA) | 0.5778% | 4,495 |
| Pretax return on assets | 0.6545% | 4,560 |
| Return on Equity (ROE) | 6.2809% | 4,066 |
| Retained earnings to average equity (ytd only) | 2.7514% | 4,082 |
| Net charge-offs to loans | 0.4371% | 349 |
| Credit loss provision to net charge-offs | 66.4894% | 1,859 |
| Earnings coverage of net charge-offs (x) | 3.3883% | 2,395 |
| Efficiency ratio | 79.5177% | 1,193 |
| Assets per employee ($millions) | 4.2669% | 3,536 |
| Cash dividends to net income (ytd only)* | 56.1947% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3227% | 2,134 |
| Loan loss allowance to noncurrent loans | 44.3075% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 1.7455% | 721 |
| Noncurrent loans to loans | 2.9852% | 403 |
| Net loans and leases to total assets | 54.2495% | 4,261 |
| Net loans and leases to deposits | 63.3779% | 4,247 |
| Net loans and leases to core deposits | 79.2563% | 3,386 |
| Total domestic deposits to total assets | 85.5968% | 2,714 |
| Equity capital to assets | 9.1378% | 4,428 |
| Core capital (leverage) ratio | 9.2360% | 4,393 |
| Tier 1 risk-based capital ratio | 13.7407% | 3,524 |
| Total risk-based capital ratio | 14.8256% | 3,521 |
| Memoranda: | ||
| Average total assets | $312,912,500 | 2,127 |
| Average earning assets | $293,681,500 | 2,103 |
| Average equity | $28,785,500 | 2,449 |
| Average total loans | $172,060,500 | 2,447 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8665% | 3,837 |
| Cost of funding earning assets | 0.3678% | 3,544 |
| Net interest margin | 3.4987% | 3,535 |
| Noninterest income to average assets | 0.7201% | 1,884 |
| Noninterest expense to average assets | 3.0735% | 1,942 |
| Loan and lease loss provision to assets | 0.1904% | 1,103 |
| Net operating income to assets | 0.6357% | 3,870 |
| Return on assets (ROA) | 0.7389% | 3,477 |
| Pretax return on assets | 0.8792% | 3,978 |
| Return on Equity (ROE) | 7.9875% | 2,799 |
| Retained earnings to average equity (ytd only) | 3.5818% | 3,122 |
| Net charge-offs to loans | 0.1538% | 1,572 |
| Credit loss provision to net charge-offs | 228.7356% | 1,211 |
| Earnings coverage of net charge-offs (x) | 11.3755% | 2,579 |
| Efficiency ratio | 76.4496% | 1,560 |
| Assets per employee ($millions) | 4.1912% | 3,672 |
| Cash dividends to net income (ytd only)* | 55.1575% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3466% | 1,986 |
| Loan loss allowance to noncurrent loans | 131.0811% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.6592% | 2,345 |
| Noncurrent loans to loans | 1.0273% | 1,729 |
| Net loans and leases to total assets | 54.2562% | 4,341 |
| Net loans and leases to deposits | 64.4891% | 4,290 |
| Net loans and leases to core deposits | 80.6511% | 3,367 |
| Total domestic deposits to total assets | 84.1324% | 3,157 |
| Equity capital to assets | 9.2601% | 4,465 |
| Core capital (leverage) ratio | 9.2172% | 4,376 |
| Tier 1 risk-based capital ratio | 13.6897% | 3,527 |
| Total risk-based capital ratio | 14.8084% | 3,506 |
| Memoranda: | ||
| Average total assets | $313,588,800 | 2,097 |
| Average earning assets | $295,795,600 | 2,065 |
| Average equity | $29,007,800 | 2,427 |
| Average total loans | $169,749,400 | 2,422 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8462% | 3,845 |
| Cost of funding earning assets | 0.3673% | 3,487 |
| Net interest margin | 3.4789% | 3,572 |
| Noninterest income to average assets | 0.6964% | 2,019 |
| Noninterest expense to average assets | 3.0205% | 2,060 |
| Loan and lease loss provision to assets | 0.2051% | 920 |
| Net operating income to assets | 0.6286% | 4,280 |
| Return on assets (ROA) | 0.6526% | 4,230 |
| Pretax return on assets | 0.7879% | 4,384 |
| Return on Equity (ROE) | 7.0569% | 3,629 |
| Retained earnings to average equity (ytd only) | 3.5146% | 3,819 |
| Net charge-offs to loans | 0.2052% | 1,043 |
| Credit loss provision to net charge-offs | 185.3846% | 1,433 |
| Earnings coverage of net charge-offs (x) | 8.7153% | 2,747 |
| Efficiency ratio | 75.8061% | 1,619 |
| Assets per employee ($millions) | 4.1616% | 3,719 |
| Cash dividends to net income (ytd only)* | 50.1956% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 2,378 |
| Loan loss allowance to noncurrent loans | 127.5346% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 0.6626% | 2,514 |
| Noncurrent loans to loans | 1.0155% | 1,914 |
| Net loans and leases to total assets | 54.0610% | 4,410 |
| Net loans and leases to deposits | 64.0398% | 4,376 |
| Net loans and leases to core deposits | 80.7746% | 3,387 |
| Total domestic deposits to total assets | 84.4178% | 2,952 |
| Equity capital to assets | 9.5240% | 4,421 |
| Core capital (leverage) ratio | 9.2483% | 4,466 |
| Tier 1 risk-based capital ratio | 13.5983% | 3,641 |
| Total risk-based capital ratio | 14.6638% | 3,674 |
| Memoranda: | ||
| Average total assets | $313,401,500 | 2,113 |
| Average earning assets | $296,213,750 | 2,072 |
| Average equity | $28,982,750 | 2,449 |
| Average total loans | $168,967,750 | 2,449 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8228% | 3,812 |
| Cost of funding earning assets | 0.3645% | 3,434 |
| Net interest margin | 3.4583% | 3,555 |
| Noninterest income to average assets | 0.6832% | 2,065 |
| Noninterest expense to average assets | 2.9475% | 2,274 |
| Loan and lease loss provision to assets | 0.2332% | 738 |
| Net operating income to assets | 0.6543% | 4,054 |
| Return on assets (ROA) | 0.6870% | 3,964 |
| Pretax return on assets | 0.8183% | 4,206 |
| Return on Equity (ROE) | 7.5030% | 3,288 |
| Retained earnings to average equity (ytd only) | 3.9673% | 3,344 |
| Net charge-offs to loans | -0.0452% | 5,131 |
| Credit loss provision to net charge-offs | -963.1579% | 4,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4287% | 1,935 |
| Assets per employee ($millions) | 4.1077% | 3,773 |
| Cash dividends to net income (ytd only)* | 47.1243% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3914% | 1,986 |
| Loan loss allowance to noncurrent loans | 86.7487% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.9790% | 1,792 |
| Noncurrent loans to loans | 1.6039% | 1,153 |
| Net loans and leases to total assets | 55.8624% | 4,239 |
| Net loans and leases to deposits | 65.2032% | 4,285 |
| Net loans and leases to core deposits | 80.7247% | 3,366 |
| Total domestic deposits to total assets | 85.6743% | 2,535 |
| Equity capital to assets | 9.7614% | 4,164 |
| Core capital (leverage) ratio | 9.1695% | 4,529 |
| Tier 1 risk-based capital ratio | 13.4902% | 3,705 |
| Total risk-based capital ratio | 14.6420% | 3,669 |
| Memoranda: | ||
| Average total assets | $313,829,330 | 2,110 |
| Average earning assets | $297,371,670 | 2,077 |
| Average equity | $28,735,000 | 2,457 |
| Average total loans | $168,307,670 | 2,461 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7627% | 3,895 |
| Cost of funding earning assets | 0.3531% | 3,495 |
| Net interest margin | 3.4095% | 3,626 |
| Noninterest income to average assets | 0.6450% | 2,204 |
| Noninterest expense to average assets | 2.9402% | 2,329 |
| Loan and lease loss provision to assets | 0.3150% | 400 |
| Net operating income to assets | 0.5161% | 4,532 |
| Return on assets (ROA) | 0.5609% | 4,370 |
| Pretax return on assets | 0.6789% | 4,511 |
| Return on Equity (ROE) | 6.3255% | 3,754 |
| Retained earnings to average equity (ytd only) | 2.7311% | 4,044 |
| Net charge-offs to loans | 0.0313% | 2,142 |
| Credit loss provision to net charge-offs | 1,930.7692% | 179 |
| Earnings coverage of net charge-offs (x) | 57.6154% | 828 |
| Efficiency ratio | 75.7762% | 1,945 |
| Assets per employee ($millions) | 4.2706% | 3,544 |
| Cash dividends to net income (ytd only)* | 56.8233% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3391% | 2,339 |
| Loan loss allowance to noncurrent loans | 87.6572% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 0.8746% | 2,113 |
| Noncurrent loans to loans | 1.5276% | 1,295 |
| Net loans and leases to total assets | 51.9897% | 4,517 |
| Net loans and leases to deposits | 60.3735% | 4,541 |
| Net loans and leases to core deposits | 75.1107% | 3,731 |
| Total domestic deposits to total assets | 86.1135% | 2,620 |
| Equity capital to assets | 9.0277% | 4,780 |
| Core capital (leverage) ratio | 8.8701% | 4,882 |
| Tier 1 risk-based capital ratio | 13.3738% | 3,848 |
| Total risk-based capital ratio | 14.4511% | 3,869 |
| Memoranda: | ||
| Average total assets | $318,758,000 | 2,100 |
| Average earning assets | $302,445,000 | 2,058 |
| Average equity | $28,266,500 | 2,494 |
| Average total loans | $166,360,500 | 2,501 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7178% | 4,161 |
| Cost of funding earning assets | 0.3788% | 3,217 |
| Net interest margin | 3.3390% | 4,030 |
| Noninterest income to average assets | 0.7214% | 2,070 |
| Noninterest expense to average assets | 2.9664% | 2,444 |
| Loan and lease loss provision to assets | 0.1889% | 1,244 |
| Net operating income to assets | 0.5804% | 4,295 |
| Return on assets (ROA) | 0.6150% | 4,266 |
| Pretax return on assets | 0.7443% | 4,358 |
| Return on Equity (ROE) | 6.7485% | 3,621 |
| Retained earnings to average equity (ytd only) | 2.3448% | 4,194 |
| Net charge-offs to loans | 0.2866% | 959 |
| Credit loss provision to net charge-offs | 126.4706% | 2,111 |
| Earnings coverage of net charge-offs (x) | 5.9685% | 3,248 |
| Efficiency ratio | 76.8930% | 1,866 |
| Assets per employee ($millions) | 4.2865% | 3,458 |
| Cash dividends to net income (ytd only)* | 65.2551% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 3,135 |
| Loan loss allowance to noncurrent loans | 40.3975% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 1.6427% | 957 |
| Noncurrent loans to loans | 2.9671% | 465 |
| Net loans and leases to total assets | 51.0741% | 4,681 |
| Net loans and leases to deposits | 59.7444% | 4,689 |
| Net loans and leases to core deposits | 75.4978% | 3,792 |
| Total domestic deposits to total assets | 85.4876% | 2,838 |
| Equity capital to assets | 8.7104% | 5,095 |
| Core capital (leverage) ratio | 8.6127% | 5,160 |
| Tier 1 risk-based capital ratio | 13.4219% | 3,818 |
| Total risk-based capital ratio | 14.3952% | 3,901 |
| Memoranda: | ||
| Average total assets | $318,704,600 | 2,067 |
| Average earning assets | $299,368,000 | 2,048 |
| Average equity | $29,043,600 | 2,447 |
| Average total loans | $166,059,600 | 2,454 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7187% | 4,189 |
| Cost of funding earning assets | 0.3842% | 3,184 |
| Net interest margin | 3.3345% | 4,079 |
| Noninterest income to average assets | 0.6989% | 2,173 |
| Noninterest expense to average assets | 2.9839% | 2,367 |
| Loan and lease loss provision to assets | 0.1891% | 1,154 |
| Net operating income to assets | 0.5704% | 4,414 |
| Return on assets (ROA) | 0.5715% | 4,512 |
| Pretax return on assets | 0.6532% | 4,731 |
| Return on Equity (ROE) | 6.2016% | 3,975 |
| Retained earnings to average equity (ytd only) | 2.6935% | 4,285 |
| Net charge-offs to loans | 0.3188% | 726 |
| Credit loss provision to net charge-offs | 113.6020% | 2,183 |
| Earnings coverage of net charge-offs (x) | 5.0529% | 3,182 |
| Efficiency ratio | 78.0116% | 1,687 |
| Assets per employee ($millions) | 4.3329% | 3,363 |
| Cash dividends to net income (ytd only)* | 56.5661% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1457% | 3,565 |
| Loan loss allowance to noncurrent loans | 37.8922% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 1.6777% | 1,020 |
| Noncurrent loans to loans | 3.0236% | 489 |
| Net loans and leases to total assets | 50.9783% | 4,734 |
| Net loans and leases to deposits | 60.0337% | 4,755 |
| Net loans and leases to core deposits | 77.1379% | 3,737 |
| Total domestic deposits to total assets | 84.9161% | 2,839 |
| Equity capital to assets | 9.1846% | 4,992 |
| Core capital (leverage) ratio | 8.6618% | 5,199 |
| Tier 1 risk-based capital ratio | 13.1309% | 4,082 |
| Total risk-based capital ratio | 14.0516% | 4,189 |
| Memoranda: | ||
| Average total assets | $318,008,250 | 2,077 |
| Average earning assets | $298,125,000 | 2,055 |
| Average equity | $29,303,750 | 2,429 |
| Average total loans | $166,027,000 | 2,457 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7255% | 4,207 |
| Cost of funding earning assets | 0.3939% | 3,108 |
| Net interest margin | 3.3316% | 4,112 |
| Noninterest income to average assets | 0.6291% | 2,467 |
| Noninterest expense to average assets | 2.9567% | 2,495 |
| Loan and lease loss provision to assets | 0.1894% | 1,149 |
| Net operating income to assets | 0.5287% | 4,566 |
| Return on assets (ROA) | 0.5265% | 4,698 |
| Pretax return on assets | 0.5987% | 4,891 |
| Return on Equity (ROE) | 5.7069% | 4,188 |
| Retained earnings to average equity (ytd only) | 2.1564% | 4,490 |
| Net charge-offs to loans | 0.1184% | 1,651 |
| Credit loss provision to net charge-offs | 305.1020% | 944 |
| Earnings coverage of net charge-offs (x) | 12.7347% | 2,169 |
| Efficiency ratio | 78.9011% | 1,656 |
| Assets per employee ($millions) | 4.1246% | 3,695 |
| Cash dividends to net income (ytd only)* | 62.2142% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 3,087 |
| Loan loss allowance to noncurrent loans | 40.3003% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 1.7896% | 966 |
| Noncurrent loans to loans | 3.0953% | 471 |
| Net loans and leases to total assets | 52.2008% | 4,657 |
| Net loans and leases to deposits | 61.0470% | 4,727 |
| Net loans and leases to core deposits | 77.4602% | 3,690 |
| Total domestic deposits to total assets | 85.5093% | 2,638 |
| Equity capital to assets | 9.4449% | 4,823 |
| Core capital (leverage) ratio | 8.7188% | 5,148 |
| Tier 1 risk-based capital ratio | 13.1516% | 4,106 |
| Total risk-based capital ratio | 14.1546% | 4,168 |
| Memoranda: | ||
| Average total assets | $315,688,330 | 2,092 |
| Average earning assets | $295,474,000 | 2,082 |
| Average equity | $29,122,670 | 2,440 |
| Average total loans | $165,508,330 | 2,470 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7469% | 4,149 |
| Cost of funding earning assets | 0.4044% | 3,021 |
| Net interest margin | 3.3425% | 4,070 |
| Noninterest income to average assets | 0.5821% | 2,632 |
| Noninterest expense to average assets | 2.9722% | 2,473 |
| Loan and lease loss provision to assets | 0.1894% | 1,045 |
| Net operating income to assets | 0.5148% | 4,568 |
| Return on assets (ROA) | 0.5038% | 4,714 |
| Pretax return on assets | 0.5189% | 5,034 |
| Return on Equity (ROE) | 5.5262% | 4,209 |
| Retained earnings to average equity (ytd only) | 1.8836% | 4,506 |
| Net charge-offs to loans | 0.0435% | 2,135 |
| Credit loss provision to net charge-offs | 833.3333% | 421 |
| Earnings coverage of net charge-offs (x) | 31.6667% | 1,151 |
| Efficiency ratio | 80.5062% | 1,545 |
| Assets per employee ($millions) | 4.0830% | 3,803 |
| Cash dividends to net income (ytd only)* | 65.9148% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2174% | 3,379 |
| Loan loss allowance to noncurrent loans | 68.2843% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 1.1164% | 1,983 |
| Noncurrent loans to loans | 1.7829% | 1,242 |
| Net loans and leases to total assets | 51.5657% | 4,671 |
| Net loans and leases to deposits | 60.2291% | 4,700 |
| Net loans and leases to core deposits | 77.1899% | 3,573 |
| Total domestic deposits to total assets | 85.6160% | 2,855 |
| Equity capital to assets | 9.2735% | 4,913 |
| Core capital (leverage) ratio | 8.6186% | 5,271 |
| Tier 1 risk-based capital ratio | 12.9987% | 4,270 |
| Total risk-based capital ratio | 13.9640% | 4,362 |
| Memoranda: | ||
| Average total assets | $316,797,500 | 2,101 |
| Average earning assets | $294,753,500 | 2,091 |
| Average equity | $28,880,500 | 2,442 |
| Average total loans | $165,412,000 | 2,462 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9088% | 3,675 |
| Cost of funding earning assets | 0.4729% | 2,414 |
| Net interest margin | 3.4360% | 3,771 |
| Noninterest income to average assets | 0.6800% | 2,293 |
| Noninterest expense to average assets | 2.9297% | 2,766 |
| Loan and lease loss provision to assets | 0.1573% | 1,481 |
| Net operating income to assets | 0.6081% | 4,233 |
| Return on assets (ROA) | 0.6356% | 4,196 |
| Pretax return on assets | 0.7866% | 4,231 |
| Return on Equity (ROE) | 7.1233% | 3,451 |
| Retained earnings to average equity (ytd only) | 2.6483% | 4,185 |
| Net charge-offs to loans | 0.5306% | 483 |
| Credit loss provision to net charge-offs | 54.5256% | 3,342 |
| Earnings coverage of net charge-offs (x) | 3.1538% | 3,764 |
| Efficiency ratio | 76.3009% | 2,222 |
| Assets per employee ($millions) | 4.2561% | 3,475 |
| Cash dividends to net income (ytd only)* | 62.8218% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1193% | 3,929 |
| Loan loss allowance to noncurrent loans | 84.8568% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 0.8249% | 2,614 |
| Noncurrent loans to loans | 1.3191% | 1,788 |
| Net loans and leases to total assets | 51.6416% | 4,725 |
| Net loans and leases to deposits | 60.4499% | 4,739 |
| Net loans and leases to core deposits | 77.1815% | 3,649 |
| Total domestic deposits to total assets | 85.4288% | 2,890 |
| Equity capital to assets | 8.9617% | 5,160 |
| Core capital (leverage) ratio | 8.3642% | 5,560 |
| Tier 1 risk-based capital ratio | 12.6016% | 4,570 |
| Total risk-based capital ratio | 13.4863% | 4,705 |
| Memoranda: | ||
| Average total assets | $317,813,000 | 2,058 |
| Average earning assets | $292,260,600 | 2,062 |
| Average equity | $28,357,800 | 2,431 |
| Average total loans | $172,808,000 | 2,319 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8972% | 3,754 |
| Cost of funding earning assets | 0.4893% | 2,322 |
| Net interest margin | 3.4080% | 3,921 |
| Noninterest income to average assets | 0.6783% | 2,337 |
| Noninterest expense to average assets | 2.9411% | 2,705 |
| Loan and lease loss provision to assets | 0.1567% | 1,383 |
| Net operating income to assets | 0.6011% | 4,381 |
| Return on assets (ROA) | 0.6060% | 4,454 |
| Pretax return on assets | 0.7194% | 4,615 |
| Return on Equity (ROE) | 6.7994% | 3,727 |
| Retained earnings to average equity (ytd only) | 3.2089% | 4,178 |
| Net charge-offs to loans | 0.7021% | 302 |
| Credit loss provision to net charge-offs | 40.6318% | 3,156 |
| Earnings coverage of net charge-offs (x) | 2.2571% | 3,698 |
| Efficiency ratio | 77.1680% | 2,064 |
| Assets per employee ($millions) | 4.1905% | 3,532 |
| Cash dividends to net income (ytd only)* | 52.8065% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 4,632 |
| Loan loss allowance to noncurrent loans | 117.0370% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 0.6235% | 3,399 |
| Noncurrent loans to loans | 0.8737% | 2,797 |
| Net loans and leases to total assets | 52.1344% | 4,746 |
| Net loans and leases to deposits | 61.2931% | 4,771 |
| Net loans and leases to core deposits | 78.6889% | 3,545 |
| Total domestic deposits to total assets | 85.0575% | 2,984 |
| Equity capital to assets | 8.9107% | 5,387 |
| Core capital (leverage) ratio | 8.4876% | 5,558 |
| Tier 1 risk-based capital ratio | 12.4964% | 4,762 |
| Total risk-based capital ratio | 13.3132% | 4,957 |
| Memoranda: | ||
| Average total assets | $317,465,250 | 2,073 |
| Average earning assets | $291,858,750 | 2,079 |
| Average equity | $28,295,750 | 2,452 |
| Average total loans | $174,333,000 | 2,318 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9057% | 3,663 |
| Cost of funding earning assets | 0.5146% | 2,118 |
| Net interest margin | 3.3910% | 3,933 |
| Noninterest income to average assets | 0.6816% | 2,292 |
| Noninterest expense to average assets | 2.9538% | 2,704 |
| Loan and lease loss provision to assets | 0.1571% | 1,356 |
| Net operating income to assets | 0.5932% | 4,382 |
| Return on assets (ROA) | 0.5910% | 4,480 |
| Pretax return on assets | 0.6987% | 4,657 |
| Return on Equity (ROE) | 6.6303% | 3,817 |
| Retained earnings to average equity (ytd only) | 3.0202% | 4,120 |
| Net charge-offs to loans | 0.1889% | 1,325 |
| Credit loss provision to net charge-offs | 149.3976% | 1,539 |
| Earnings coverage of net charge-offs (x) | 8.1627% | 2,589 |
| Efficiency ratio | 77.4842% | 2,138 |
| Assets per employee ($millions) | 4.1188% | 3,642 |
| Cash dividends to net income (ytd only)* | 54.4480% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 2,925 |
| Loan loss allowance to noncurrent loans | 102.9604% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 1.1350% | 2,244 |
| Noncurrent loans to loans | 1.3218% | 2,037 |
| Net loans and leases to total assets | 55.4921% | 4,387 |
| Net loans and leases to deposits | 65.1464% | 4,422 |
| Net loans and leases to core deposits | 82.5889% | 3,119 |
| Total domestic deposits to total assets | 85.1807% | 3,045 |
| Equity capital to assets | 9.1183% | 5,125 |
| Core capital (leverage) ratio | 8.4312% | 5,595 |
| Tier 1 risk-based capital ratio | 12.2016% | 5,001 |
| Total risk-based capital ratio | 13.2972% | 5,015 |
| Memoranda: | ||
| Average total assets | $315,730,330 | 2,096 |
| Average earning assets | $291,475,000 | 2,097 |
| Average equity | $28,143,670 | 2,471 |
| Average total loans | $175,790,670 | 2,304 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8473% | 3,837 |
| Cost of funding earning assets | 0.5492% | 1,852 |
| Net interest margin | 3.2981% | 4,226 |
| Noninterest income to average assets | 0.6212% | 2,542 |
| Noninterest expense to average assets | 2.8907% | 2,940 |
| Loan and lease loss provision to assets | 0.1541% | 1,320 |
| Net operating income to assets | 0.5391% | 4,515 |
| Return on assets (ROA) | 0.5336% | 4,648 |
| Pretax return on assets | 0.6087% | 4,894 |
| Return on Equity (ROE) | 6.0572% | 4,002 |
| Retained earnings to average equity (ytd only) | 2.4456% | 4,472 |
| Net charge-offs to loans | 0.0724% | 1,993 |
| Credit loss provision to net charge-offs | 384.3750% | 683 |
| Earnings coverage of net charge-offs (x) | 19.1875% | 1,454 |
| Efficiency ratio | 78.9870% | 2,045 |
| Assets per employee ($millions) | 4.2880% | 3,393 |
| Cash dividends to net income (ytd only)* | 59.6244% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3394% | 3,189 |
| Loan loss allowance to noncurrent loans | 83.4446% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 1.1038% | 2,426 |
| Noncurrent loans to loans | 1.6051% | 1,738 |
| Net loans and leases to total assets | 54.3751% | 4,396 |
| Net loans and leases to deposits | 64.4390% | 4,325 |
| Net loans and leases to core deposits | 81.2481% | 3,029 |
| Total domestic deposits to total assets | 84.3823% | 3,661 |
| Equity capital to assets | 8.8802% | 5,410 |
| Core capital (leverage) ratio | 8.4352% | 5,590 |
| Tier 1 risk-based capital ratio | 12.2811% | 5,061 |
| Total risk-based capital ratio | 13.3900% | 5,062 |
| Memoranda: | ||
| Average total assets | $319,365,000 | 2,093 |
| Average earning assets | $294,230,000 | 2,090 |
| Average equity | $28,132,000 | 2,493 |
| Average total loans | $176,794,000 | 2,297 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8889% | 4,164 |
| Cost of funding earning assets | 0.5913% | 1,843 |
| Net interest margin | 3.2976% | 4,572 |
| Noninterest income to average assets | 0.6934% | 2,333 |
| Noninterest expense to average assets | 2.8931% | 3,171 |
| Loan and lease loss provision to assets | 0.1607% | 1,638 |
| Net operating income to assets | 0.5750% | 4,484 |
| Return on assets (ROA) | 0.6211% | 4,377 |
| Pretax return on assets | 0.7374% | 4,486 |
| Return on Equity (ROE) | 7.0977% | 3,575 |
| Retained earnings to average equity (ytd only) | 2.4014% | 4,526 |
| Net charge-offs to loans | 0.2618% | 1,651 |
| Credit loss provision to net charge-offs | 114.9425% | 2,077 |
| Earnings coverage of net charge-offs (x) | 6.0322% | 3,287 |
| Efficiency ratio | 77.4338% | 2,287 |
| Assets per employee ($millions) | 4.1727% | 3,588 |
| Cash dividends to net income (ytd only)* | 66.1666% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2946% | 3,453 |
| Loan loss allowance to noncurrent loans | 77.2327% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 1.1538% | 2,458 |
| Noncurrent loans to loans | 1.6763% | 1,746 |
| Net loans and leases to total assets | 54.8862% | 4,464 |
| Net loans and leases to deposits | 64.9680% | 4,431 |
| Net loans and leases to core deposits | 81.6645% | 3,140 |
| Total domestic deposits to total assets | 84.4819% | 3,515 |
| Equity capital to assets | 8.7362% | 5,549 |
| Core capital (leverage) ratio | 8.1058% | 5,927 |
| Tier 1 risk-based capital ratio | 13.0441% | 4,700 |
| Total risk-based capital ratio | 14.2082% | 4,665 |
| Memoranda: | ||
| Average total assets | $311,219,000 | 2,086 |
| Average earning assets | $287,174,200 | 2,078 |
| Average equity | $27,234,000 | 2,468 |
| Average total loans | $166,127,000 | 2,363 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8748% | 4,257 |
| Cost of funding earning assets | 0.6010% | 1,821 |
| Net interest margin | 3.2739% | 4,702 |
| Noninterest income to average assets | 0.6741% | 2,458 |
| Noninterest expense to average assets | 2.8638% | 3,247 |
| Loan and lease loss provision to assets | 0.1610% | 1,546 |
| Net operating income to assets | 0.5732% | 4,579 |
| Return on assets (ROA) | 0.5833% | 4,605 |
| Pretax return on assets | 0.6741% | 4,786 |
| Return on Equity (ROE) | 6.6625% | 3,871 |
| Retained earnings to average equity (ytd only) | 2.8666% | 4,561 |
| Net charge-offs to loans | 0.3220% | 1,240 |
| Credit loss provision to net charge-offs | 94.6835% | 2,347 |
| Earnings coverage of net charge-offs (x) | 4.8431% | 3,371 |
| Efficiency ratio | 77.6675% | 2,238 |
| Assets per employee ($millions) | 4.2344% | 3,412 |
| Cash dividends to net income (ytd only)* | 56.9743% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2668% | 3,839 |
| Loan loss allowance to noncurrent loans | 135.7849% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.7277% | 3,631 |
| Noncurrent loans to loans | 0.9330% | 3,227 |
| Net loans and leases to total assets | 53.2071% | 4,670 |
| Net loans and leases to deposits | 64.1090% | 4,528 |
| Net loans and leases to core deposits | 79.9843% | 3,315 |
| Total domestic deposits to total assets | 82.9948% | 4,155 |
| Equity capital to assets | 8.6929% | 5,645 |
| Core capital (leverage) ratio | 8.3384% | 5,814 |
| Tier 1 risk-based capital ratio | 13.4342% | 4,584 |
| Total risk-based capital ratio | 14.6324% | 4,551 |
| Memoranda: | ||
| Average total assets | $309,742,000 | 2,113 |
| Average earning assets | $285,080,250 | 2,108 |
| Average equity | $27,116,250 | 2,480 |
| Average total loans | $163,573,250 | 2,407 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8492% | 4,339 |
| Cost of funding earning assets | 0.6146% | 1,772 |
| Net interest margin | 3.2346% | 4,826 |
| Noninterest income to average assets | 0.6941% | 2,314 |
| Noninterest expense to average assets | 2.9197% | 3,101 |
| Loan and lease loss provision to assets | 0.1622% | 1,526 |
| Net operating income to assets | 0.5233% | 4,721 |
| Return on assets (ROA) | 0.5567% | 4,667 |
| Pretax return on assets | 0.6320% | 4,845 |
| Return on Equity (ROE) | 6.3436% | 3,972 |
| Retained earnings to average equity (ytd only) | 2.4823% | 4,627 |
| Net charge-offs to loans | 0.4317% | 949 |
| Credit loss provision to net charge-offs | 71.6763% | 2,441 |
| Earnings coverage of net charge-offs (x) | 3.3410% | 3,336 |
| Efficiency ratio | 79.4269% | 2,102 |
| Assets per employee ($millions) | 3.9215% | 4,013 |
| Cash dividends to net income (ytd only)* | 60.8696% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2858% | 3,932 |
| Loan loss allowance to noncurrent loans | 99.2045% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 1.0459% | 2,975 |
| Noncurrent loans to loans | 1.2961% | 2,641 |
| Net loans and leases to total assets | 54.6127% | 4,465 |
| Net loans and leases to deposits | 64.6446% | 4,426 |
| Net loans and leases to core deposits | 81.1742% | 3,081 |
| Total domestic deposits to total assets | 84.4816% | 3,733 |
| Equity capital to assets | 9.2523% | 5,031 |
| Core capital (leverage) ratio | 8.5597% | 5,577 |
| Tier 1 risk-based capital ratio | 13.9463% | 4,287 |
| Total risk-based capital ratio | 15.1631% | 4,257 |
| Memoranda: | ||
| Average total assets | $305,718,000 | 2,137 |
| Average earning assets | $281,827,670 | 2,124 |
| Average equity | $26,830,000 | 2,492 |
| Average total loans | $160,289,330 | 2,446 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7896% | 4,529 |
| Cost of funding earning assets | 0.6257% | 1,764 |
| Net interest margin | 3.1639% | 5,039 |
| Noninterest income to average assets | 0.5931% | 2,776 |
| Noninterest expense to average assets | 2.8634% | 3,329 |
| Loan and lease loss provision to assets | 0.1589% | 1,530 |
| Net operating income to assets | 0.4464% | 4,948 |
| Return on assets (ROA) | 0.4574% | 4,971 |
| Pretax return on assets | 0.4833% | 5,215 |
| Return on Equity (ROE) | 5.3520% | 4,363 |
| Retained earnings to average equity (ytd only) | 1.3607% | 5,066 |
| Net charge-offs to loans | 0.4456% | 812 |
| Credit loss provision to net charge-offs | 69.8864% | 2,004 |
| Earnings coverage of net charge-offs (x) | 2.7727% | 2,803 |
| Efficiency ratio | 81.9527% | 1,931 |
| Assets per employee ($millions) | 4.0302% | 3,886 |
| Cash dividends to net income (ytd only)* | 74.5763% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3589% | 3,798 |
| Loan loss allowance to noncurrent loans | 120.9497% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.9478% | 3,358 |
| Noncurrent loans to loans | 1.1236% | 3,178 |
| Net loans and leases to total assets | 51.3069% | 4,752 |
| Net loans and leases to deposits | 61.0825% | 4,657 |
| Net loans and leases to core deposits | 78.2791% | 3,172 |
| Total domestic deposits to total assets | 83.9961% | 4,277 |
| Equity capital to assets | 8.6910% | 5,450 |
| Core capital (leverage) ratio | 8.2884% | 5,857 |
| Tier 1 risk-based capital ratio | 13.8804% | 4,410 |
| Total risk-based capital ratio | 15.1132% | 4,373 |
| Memoranda: | ||
| Average total assets | $309,560,500 | 2,113 |
| Average earning assets | $283,829,000 | 2,116 |
| Average equity | $26,457,500 | 2,515 |
| Average total loans | $157,992,000 | 2,486 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0550% | 3,903 |
| Cost of funding earning assets | 0.7045% | 1,780 |
| Net interest margin | 3.3506% | 4,481 |
| Noninterest income to average assets | 0.8117% | 2,022 |
| Noninterest expense to average assets | 2.9651% | 3,145 |
| Loan and lease loss provision to assets | 0.2988% | 1,130 |
| Net operating income to assets | 0.5183% | 4,660 |
| Return on assets (ROA) | 0.5577% | 4,591 |
| Pretax return on assets | 0.6470% | 4,715 |
| Return on Equity (ROE) | 6.2554% | 3,943 |
| Retained earnings to average equity (ytd only) | 1.5303% | 5,132 |
| Net charge-offs to loans | 0.3504% | 1,931 |
| Credit loss provision to net charge-offs | 158.1722% | 1,450 |
| Earnings coverage of net charge-offs (x) | 4.7645% | 3,467 |
| Efficiency ratio | 76.7156% | 2,672 |
| Assets per employee ($millions) | 4.0106% | 3,843 |
| Cash dividends to net income (ytd only)* | 75.5357% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4157% | 3,573 |
| Loan loss allowance to noncurrent loans | 84.5274% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 1.2489% | 2,920 |
| Noncurrent loans to loans | 1.6749% | 2,397 |
| Net loans and leases to total assets | 49.3727% | 5,148 |
| Net loans and leases to deposits | 58.3872% | 5,092 |
| Net loans and leases to core deposits | 76.6636% | 3,538 |
| Total domestic deposits to total assets | 84.5608% | 3,939 |
| Equity capital to assets | 8.4056% | 5,689 |
| Core capital (leverage) ratio | 8.0973% | 6,059 |
| Tier 1 risk-based capital ratio | 14.1005% | 4,227 |
| Total risk-based capital ratio | 15.3475% | 4,173 |
| Memoranda: | ||
| Average total assets | $301,236,400 | 2,140 |
| Average earning assets | $274,522,000 | 2,147 |
| Average equity | $26,856,800 | 2,473 |
| Average total loans | $162,393,600 | 2,385 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0996% | 3,761 |
| Cost of funding earning assets | 0.7164% | 1,838 |
| Net interest margin | 3.3831% | 4,347 |
| Noninterest income to average assets | 0.8178% | 2,067 |
| Noninterest expense to average assets | 3.0341% | 2,873 |
| Loan and lease loss provision to assets | 0.3008% | 1,124 |
| Net operating income to assets | 0.5037% | 4,773 |
| Return on assets (ROA) | 0.5198% | 4,871 |
| Pretax return on assets | 0.5779% | 5,107 |
| Return on Equity (ROE) | 5.7437% | 4,317 |
| Retained earnings to average equity (ytd only) | 1.9854% | 5,139 |
| Net charge-offs to loans | 0.2808% | 2,142 |
| Credit loss provision to net charge-offs | 195.0725% | 1,240 |
| Earnings coverage of net charge-offs (x) | 5.5826% | 3,154 |
| Efficiency ratio | 77.9002% | 2,442 |
| Assets per employee ($millions) | 4.0529% | 3,731 |
| Cash dividends to net income (ytd only)* | 65.4340% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 4,161 |
| Loan loss allowance to noncurrent loans | 136.7284% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.8983% | 3,892 |
| Noncurrent loans to loans | 0.9841% | 3,841 |
| Net loans and leases to total assets | 52.7266% | 4,787 |
| Net loans and leases to deposits | 62.5154% | 4,689 |
| Net loans and leases to core deposits | 77.5116% | 3,421 |
| Total domestic deposits to total assets | 84.3418% | 4,050 |
| Equity capital to assets | 8.5813% | 5,649 |
| Core capital (leverage) ratio | 8.3867% | 5,871 |
| Tier 1 risk-based capital ratio | 13.4699% | 4,777 |
| Total risk-based capital ratio | 14.6641% | 4,766 |
| Memoranda: | ||
| Average total assets | $298,338,750 | 2,165 |
| Average earning assets | $271,339,500 | 2,176 |
| Average equity | $26,997,250 | 2,483 |
| Average total loans | $163,824,750 | 2,382 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1346% | 3,610 |
| Cost of funding earning assets | 0.7341% | 1,812 |
| Net interest margin | 3.4006% | 4,181 |
| Noninterest income to average assets | 0.7868% | 2,253 |
| Noninterest expense to average assets | 3.0524% | 2,826 |
| Loan and lease loss provision to assets | 0.3023% | 1,190 |
| Net operating income to assets | 0.4883% | 4,851 |
| Return on assets (ROA) | 0.4839% | 5,040 |
| Pretax return on assets | 0.5198% | 5,304 |
| Return on Equity (ROE) | 5.2528% | 4,588 |
| Retained earnings to average equity (ytd only) | 1.5229% | 5,261 |
| Net charge-offs to loans | 0.3289% | 1,874 |
| Credit loss provision to net charge-offs | 165.7993% | 1,426 |
| Earnings coverage of net charge-offs (x) | 4.5353% | 3,102 |
| Efficiency ratio | 78.6862% | 2,354 |
| Assets per employee ($millions) | 3.7356% | 4,332 |
| Cash dividends to net income (ytd only)* | 71.0084% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 4,663 |
| Loan loss allowance to noncurrent loans | 162.1367% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.7722% | 4,291 |
| Noncurrent loans to loans | 0.7809% | 4,352 |
| Net loans and leases to total assets | 54.5423% | 4,516 |
| Net loans and leases to deposits | 64.9657% | 4,383 |
| Net loans and leases to core deposits | 79.0198% | 3,164 |
| Total domestic deposits to total assets | 83.9556% | 4,335 |
| Equity capital to assets | 8.9915% | 5,230 |
| Core capital (leverage) ratio | 8.6515% | 5,481 |
| Tier 1 risk-based capital ratio | 13.5228% | 4,751 |
| Total risk-based capital ratio | 14.6453% | 4,792 |
| Memoranda: | ||
| Average total assets | $295,112,670 | 2,192 |
| Average earning assets | $268,367,670 | 2,203 |
| Average equity | $27,185,670 | 2,471 |
| Average total loans | $163,559,000 | 2,391 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1530% | 3,501 |
| Cost of funding earning assets | 0.7509% | 1,843 |
| Net interest margin | 3.4021% | 4,104 |
| Noninterest income to average assets | 0.6574% | 2,832 |
| Noninterest expense to average assets | 2.9900% | 3,023 |
| Loan and lease loss provision to assets | 0.3009% | 1,151 |
| Net operating income to assets | 0.4525% | 4,901 |
| Return on assets (ROA) | 0.4297% | 5,166 |
| Pretax return on assets | 0.4324% | 5,462 |
| Return on Equity (ROE) | 4.6091% | 4,785 |
| Retained earnings to average equity (ytd only) | 0.9160% | 5,480 |
| Net charge-offs to loans | 0.2857% | 1,821 |
| Credit loss provision to net charge-offs | 189.7436% | 1,139 |
| Earnings coverage of net charge-offs (x) | 4.7692% | 2,478 |
| Efficiency ratio | 79.8119% | 2,362 |
| Assets per employee ($millions) | 3.7282% | 4,495 |
| Cash dividends to net income (ytd only)* | 80.1262% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2163% | 5,108 |
| Loan loss allowance to noncurrent loans | 185.8209% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.7374% | 4,529 |
| Noncurrent loans to loans | 0.6545% | 4,813 |
| Net loans and leases to total assets | 54.9304% | 4,254 |
| Net loans and leases to deposits | 66.5374% | 3,983 |
| Net loans and leases to core deposits | 81.3037% | 2,656 |
| Total domestic deposits to total assets | 82.5557% | 5,007 |
| Equity capital to assets | 9.4068% | 4,992 |
| Core capital (leverage) ratio | 8.6516% | 5,391 |
| Tier 1 risk-based capital ratio | 13.2679% | 5,039 |
| Total risk-based capital ratio | 14.3347% | 5,109 |
| Memoranda: | ||
| Average total assets | $295,113,000 | 2,223 |
| Average earning assets | $267,948,500 | 2,230 |
| Average equity | $27,511,000 | 2,484 |
| Average total loans | $163,826,000 | 2,394 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2990% | 4,192 |
| Cost of funding earning assets | 0.9043% | 1,911 |
| Net interest margin | 3.3947% | 4,902 |
| Noninterest income to average assets | 0.8944% | 1,877 |
| Noninterest expense to average assets | 2.8414% | 3,870 |
| Loan and lease loss provision to assets | 0.3073% | 2,223 |
| Net operating income to assets | 0.6882% | 3,792 |
| Return on assets (ROA) | 0.6968% | 4,006 |
| Pretax return on assets | 0.8579% | 4,075 |
| Return on Equity (ROE) | 7.6237% | 3,272 |
| Retained earnings to average equity (ytd only) | 2.8425% | 4,238 |
| Net charge-offs to loans | 0.6006% | 1,933 |
| Credit loss provision to net charge-offs | 91.6497% | 3,406 |
| Earnings coverage of net charge-offs (x) | 3.4440% | 3,723 |
| Efficiency ratio | 71.1064% | 3,607 |
| Assets per employee ($millions) | 3.7430% | 4,483 |
| Cash dividends to net income (ytd only)* | 62.7144% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 5,340 |
| Loan loss allowance to noncurrent loans | 81.4415% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 1.1552% | 3,730 |
| Noncurrent loans to loans | 1.4139% | 3,477 |
| Net loans and leases to total assets | 54.7814% | 4,491 |
| Net loans and leases to deposits | 65.8402% | 4,309 |
| Net loans and leases to core deposits | 80.8245% | 2,902 |
| Total domestic deposits to total assets | 83.2036% | 4,637 |
| Equity capital to assets | 9.2379% | 5,226 |
| Core capital (leverage) ratio | 8.5426% | 5,552 |
| Tier 1 risk-based capital ratio | 13.0940% | 5,038 |
| Total risk-based capital ratio | 14.1136% | 5,146 |
| Memoranda: | ||
| Average total assets | $292,918,600 | 2,184 |
| Average earning assets | $267,622,400 | 2,171 |
| Average equity | $26,771,800 | 2,504 |
| Average total loans | $163,514,400 | 2,379 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3138% | 4,403 |
| Cost of funding earning assets | 0.9309% | 1,972 |
| Net interest margin | 3.3829% | 5,086 |
| Noninterest income to average assets | 0.9139% | 1,782 |
| Noninterest expense to average assets | 2.8265% | 3,887 |
| Loan and lease loss provision to assets | 0.3075% | 2,149 |
| Net operating income to assets | 0.7274% | 3,785 |
| Return on assets (ROA) | 0.7391% | 3,991 |
| Pretax return on assets | 0.8897% | 4,156 |
| Return on Equity (ROE) | 8.1092% | 3,234 |
| Retained earnings to average equity (ytd only) | 4.2448% | 3,906 |
| Net charge-offs to loans | 0.3908% | 2,532 |
| Credit loss provision to net charge-offs | 140.7098% | 2,049 |
| Earnings coverage of net charge-offs (x) | 5.4134% | 3,035 |
| Efficiency ratio | 70.4939% | 3,597 |
| Assets per employee ($millions) | 3.7808% | 4,346 |
| Cash dividends to net income (ytd only)* | 47.6543% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3098% | 4,770 |
| Loan loss allowance to noncurrent loans | 100.5576% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 1.0178% | 4,246 |
| Noncurrent loans to loans | 1.3026% | 3,863 |
| Net loans and leases to total assets | 56.0073% | 4,453 |
| Net loans and leases to deposits | 69.0292% | 4,025 |
| Net loans and leases to core deposits | 86.4055% | 2,413 |
| Total domestic deposits to total assets | 81.1357% | 5,315 |
| Equity capital to assets | 9.4620% | 5,251 |
| Core capital (leverage) ratio | 8.4506% | 5,822 |
| Tier 1 risk-based capital ratio | 12.8284% | 5,389 |
| Total risk-based capital ratio | 13.9766% | 5,418 |
| Memoranda: | ||
| Average total assets | $292,224,500 | 2,214 |
| Average earning assets | $267,413,250 | 2,205 |
| Average equity | $26,635,750 | 2,534 |
| Average total loans | $163,424,750 | 2,411 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2950% | 4,591 |
| Cost of funding earning assets | 0.9467% | 2,084 |
| Net interest margin | 3.3483% | 5,277 |
| Noninterest income to average assets | 0.9057% | 1,766 |
| Noninterest expense to average assets | 2.8107% | 3,977 |
| Loan and lease loss provision to assets | 0.3062% | 2,156 |
| Net operating income to assets | 0.7188% | 3,764 |
| Return on assets (ROA) | 0.7280% | 3,991 |
| Pretax return on assets | 0.8702% | 4,199 |
| Return on Equity (ROE) | 8.0889% | 3,220 |
| Retained earnings to average equity (ytd only) | 4.1546% | 3,841 |
| Net charge-offs to loans | 0.2653% | 2,993 |
| Credit loss provision to net charge-offs | 207.4074% | 1,363 |
| Earnings coverage of net charge-offs (x) | 7.8935% | 2,400 |
| Efficiency ratio | 70.6894% | 3,654 |
| Assets per employee ($millions) | 3.6886% | 4,544 |
| Cash dividends to net income (ytd only)* | 48.6385% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 4,721 |
| Loan loss allowance to noncurrent loans | 106.1234% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 1.0917% | 4,194 |
| Noncurrent loans to loans | 1.2583% | 4,033 |
| Net loans and leases to total assets | 56.5257% | 4,391 |
| Net loans and leases to deposits | 67.9854% | 4,207 |
| Net loans and leases to core deposits | 83.9827% | 2,692 |
| Total domestic deposits to total assets | 83.1438% | 4,698 |
| Equity capital to assets | 9.3295% | 5,279 |
| Core capital (leverage) ratio | 8.2121% | 6,038 |
| Tier 1 risk-based capital ratio | 12.5564% | 5,529 |
| Total risk-based capital ratio | 13.7309% | 5,561 |
| Memoranda: | ||
| Average total assets | $292,592,330 | 2,210 |
| Average earning assets | $268,311,330 | 2,203 |
| Average equity | $26,332,330 | 2,546 |
| Average total loans | $162,828,670 | 2,428 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2230% | 5,023 |
| Cost of funding earning assets | 0.9534% | 2,282 |
| Net interest margin | 3.2696% | 5,574 |
| Noninterest income to average assets | 0.9287% | 1,632 |
| Noninterest expense to average assets | 2.7861% | 4,095 |
| Loan and lease loss provision to assets | 0.3037% | 2,071 |
| Net operating income to assets | 0.7128% | 3,822 |
| Return on assets (ROA) | 0.7308% | 3,966 |
| Pretax return on assets | 0.8826% | 4,095 |
| Return on Equity (ROE) | 8.2677% | 3,162 |
| Retained earnings to average equity (ytd only) | 4.3716% | 3,973 |
| Net charge-offs to loans | 0.2991% | 2,464 |
| Credit loss provision to net charge-offs | 185.1240% | 1,419 |
| Earnings coverage of net charge-offs (x) | 7.0992% | 2,116 |
| Efficiency ratio | 70.5216% | 3,715 |
| Assets per employee ($millions) | 4.0144% | 3,975 |
| Cash dividends to net income (ytd only)* | 47.1243% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2912% | 5,057 |
| Loan loss allowance to noncurrent loans | 101.2213% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 1.0899% | 4,314 |
| Noncurrent loans to loans | 1.2756% | 4,197 |
| Net loans and leases to total assets | 54.0536% | 4,712 |
| Net loans and leases to deposits | 65.9027% | 4,395 |
| Net loans and leases to core deposits | 81.0457% | 2,944 |
| Total domestic deposits to total assets | 82.0204% | 5,289 |
| Equity capital to assets | 8.9596% | 5,557 |
| Core capital (leverage) ratio | 8.1176% | 6,134 |
| Tier 1 risk-based capital ratio | 12.3975% | 5,689 |
| Total risk-based capital ratio | 13.4946% | 5,769 |
| Memoranda: | ||
| Average total assets | $295,033,500 | 2,203 |
| Average earning assets | $272,694,000 | 2,182 |
| Average equity | $26,077,500 | 2,563 |
| Average total loans | $161,827,500 | 2,457 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3565% | 5,584 |
| Cost of funding earning assets | 1.0545% | 2,985 |
| Net interest margin | 3.3020% | 5,798 |
| Noninterest income to average assets | 0.6496% | 2,891 |
| Noninterest expense to average assets | 2.6664% | 4,863 |
| Loan and lease loss provision to assets | 0.4523% | 2,338 |
| Net operating income to assets | 0.5141% | 4,362 |
| Return on assets (ROA) | 0.5550% | 4,397 |
| Pretax return on assets | 0.6834% | 4,394 |
| Return on Equity (ROE) | 6.2713% | 3,744 |
| Retained earnings to average equity (ytd only) | 2.2805% | 4,589 |
| Net charge-offs to loans | 0.9930% | 1,750 |
| Credit loss provision to net charge-offs | 77.8910% | 4,557 |
| Earnings coverage of net charge-offs (x) | 1.8688% | 4,373 |
| Efficiency ratio | 71.0722% | 3,769 |
| Assets per employee ($millions) | 3.9603% | 3,949 |
| Cash dividends to net income (ytd only)* | 63.6364% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 5,356 |
| Loan loss allowance to noncurrent loans | 118.2583% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.9053% | 4,801 |
| Noncurrent loans to loans | 1.0203% | 4,667 |
| Net loans and leases to total assets | 54.2763% | 4,996 |
| Net loans and leases to deposits | 66.9095% | 4,602 |
| Net loans and leases to core deposits | 82.5665% | 3,094 |
| Total domestic deposits to total assets | 81.1191% | 5,418 |
| Equity capital to assets | 8.7196% | 5,878 |
| Core capital (leverage) ratio | 7.9213% | 6,334 |
| Tier 1 risk-based capital ratio | 12.2714% | 5,630 |
| Total risk-based capital ratio | 13.3249% | 5,766 |
| Memoranda: | ||
| Average total assets | $287,392,000 | 2,214 |
| Average earning assets | $269,987,400 | 2,164 |
| Average equity | $25,433,200 | 2,533 |
| Average total loans | $168,083,400 | 2,388 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3911% | 5,633 |
| Cost of funding earning assets | 1.0827% | 3,093 |
| Net interest margin | 3.3084% | 5,835 |
| Noninterest income to average assets | 0.6293% | 2,996 |
| Noninterest expense to average assets | 2.6780% | 4,812 |
| Loan and lease loss provision to assets | 0.4201% | 2,367 |
| Net operating income to assets | 0.5724% | 4,206 |
| Return on assets (ROA) | 0.5741% | 4,386 |
| Pretax return on assets | 0.6410% | 4,681 |
| Return on Equity (ROE) | 6.4620% | 3,791 |
| Retained earnings to average equity (ytd only) | 2.4542% | 4,894 |
| Net charge-offs to loans | 1.1450% | 1,380 |
| Credit loss provision to net charge-offs | 61.7607% | 4,754 |
| Earnings coverage of net charge-offs (x) | 1.5571% | 4,468 |
| Efficiency ratio | 71.6575% | 3,627 |
| Assets per employee ($millions) | 3.9995% | 3,844 |
| Cash dividends to net income (ytd only)* | 62.0211% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0747% | 5,972 |
| Loan loss allowance to noncurrent loans | 72.0582% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 1.0693% | 4,632 |
| Noncurrent loans to loans | 1.4914% | 4,059 |
| Net loans and leases to total assets | 56.1828% | 4,813 |
| Net loans and leases to deposits | 70.1633% | 4,275 |
| Net loans and leases to core deposits | 87.4834% | 2,565 |
| Total domestic deposits to total assets | 80.0743% | 5,711 |
| Equity capital to assets | 8.9322% | 5,831 |
| Core capital (leverage) ratio | 7.9498% | 6,441 |
| Tier 1 risk-based capital ratio | 12.4353% | 5,548 |
| Total risk-based capital ratio | 13.4055% | 5,770 |
| Memoranda: | ||
| Average total assets | $284,985,250 | 2,238 |
| Average earning assets | $267,719,500 | 2,191 |
| Average equity | $25,316,750 | 2,539 |
| Average total loans | $169,309,250 | 2,397 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4244% | 5,607 |
| Cost of funding earning assets | 1.1042% | 3,212 |
| Net interest margin | 3.3202% | 5,803 |
| Noninterest income to average assets | 0.5986% | 3,155 |
| Noninterest expense to average assets | 2.6965% | 4,840 |
| Loan and lease loss provision to assets | 0.4210% | 2,326 |
| Net operating income to assets | 0.5486% | 4,313 |
| Return on assets (ROA) | 0.5512% | 4,436 |
| Pretax return on assets | 0.6050% | 4,730 |
| Return on Equity (ROE) | 6.2164% | 3,845 |
| Retained earnings to average equity (ytd only) | 2.1546% | 4,912 |
| Net charge-offs to loans | 0.4798% | 2,660 |
| Credit loss provision to net charge-offs | 145.4768% | 2,105 |
| Earnings coverage of net charge-offs (x) | 3.5355% | 3,142 |
| Efficiency ratio | 72.4938% | 3,633 |
| Assets per employee ($millions) | 3.9161% | 3,957 |
| Cash dividends to net income (ytd only)* | 65.3402% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4914% | 4,172 |
| Loan loss allowance to noncurrent loans | 64.5524% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 1.5666% | 3,844 |
| Noncurrent loans to loans | 2.3104% | 3,085 |
| Net loans and leases to total assets | 59.1273% | 4,439 |
| Net loans and leases to deposits | 71.7715% | 4,148 |
| Net loans and leases to core deposits | 91.7528% | 2,167 |
| Total domestic deposits to total assets | 82.3827% | 5,029 |
| Equity capital to assets | 9.0723% | 5,479 |
| Core capital (leverage) ratio | 8.3511% | 5,785 |
| Tier 1 risk-based capital ratio | 12.5035% | 5,344 |
| Total risk-based capital ratio | 13.7550% | 5,317 |
| Memoranda: | ||
| Average total assets | $282,658,670 | 2,263 |
| Average earning assets | $265,708,000 | 2,215 |
| Average equity | $25,062,670 | 2,554 |
| Average total loans | $170,473,670 | 2,405 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4225% | 5,613 |
| Cost of funding earning assets | 1.1165% | 3,406 |
| Net interest margin | 3.3060% | 5,757 |
| Noninterest income to average assets | 0.5993% | 3,169 |
| Noninterest expense to average assets | 2.7137% | 4,780 |
| Loan and lease loss provision to assets | 0.4184% | 2,101 |
| Net operating income to assets | 0.5291% | 4,355 |
| Return on assets (ROA) | 0.5343% | 4,424 |
| Pretax return on assets | 0.5781% | 4,773 |
| Return on Equity (ROE) | 6.0958% | 3,850 |
| Retained earnings to average equity (ytd only) | 1.9997% | 4,929 |
| Net charge-offs to loans | 0.8861% | 1,495 |
| Credit loss provision to net charge-offs | 78.1003% | 3,196 |
| Earnings coverage of net charge-offs (x) | 1.8496% | 3,378 |
| Efficiency ratio | 73.2545% | 3,643 |
| Assets per employee ($millions) | 4.1033% | 3,635 |
| Cash dividends to net income (ytd only)* | 67.1958% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3283% | 4,997 |
| Loan loss allowance to noncurrent loans | 62.5000% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 1.4255% | 4,139 |
| Noncurrent loans to loans | 2.1252% | 3,412 |
| Net loans and leases to total assets | 59.1655% | 4,432 |
| Net loans and leases to deposits | 72.4225% | 4,000 |
| Net loans and leases to core deposits | 86.9674% | 2,740 |
| Total domestic deposits to total assets | 81.6949% | 5,428 |
| Equity capital to assets | 8.8342% | 5,438 |
| Core capital (leverage) ratio | 8.2863% | 5,833 |
| Tier 1 risk-based capital ratio | 12.2947% | 5,442 |
| Total risk-based capital ratio | 13.4989% | 5,475 |
| Memoranda: | ||
| Average total assets | $283,010,000 | 2,280 |
| Average earning assets | $265,821,500 | 2,227 |
| Average equity | $24,804,000 | 2,564 |
| Average total loans | $171,092,000 | 2,421 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6274% | 6,030 |
| Cost of funding earning assets | 1.2785% | 4,028 |
| Net interest margin | 3.3489% | 5,798 |
| Noninterest income to average assets | 0.7176% | 2,737 |
| Noninterest expense to average assets | 2.5654% | 5,560 |
| Loan and lease loss provision to assets | 0.4196% | 3,592 |
| Net operating income to assets | 0.7238% | 3,133 |
| Return on assets (ROA) | 0.7314% | 3,217 |
| Pretax return on assets | 0.8816% | 3,371 |
| Return on Equity (ROE) | 8.3953% | 2,540 |
| Retained earnings to average equity (ytd only) | 3.2461% | 3,596 |
| Net charge-offs to loans | 0.4069% | 4,010 |
| Credit loss provision to net charge-offs | 168.6080% | 2,015 |
| Earnings coverage of net charge-offs (x) | 5.1918% | 2,691 |
| Efficiency ratio | 66.5048% | 4,867 |
| Assets per employee ($millions) | 3.9291% | 3,946 |
| Cash dividends to net income (ytd only)* | 61.3340% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3566% | 4,713 |
| Loan loss allowance to noncurrent loans | 57.6250% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 1.5585% | 3,968 |
| Noncurrent loans to loans | 2.3542% | 3,165 |
| Net loans and leases to total assets | 60.1205% | 4,659 |
| Net loans and leases to deposits | 73.8296% | 4,219 |
| Net loans and leases to core deposits | 88.6454% | 2,957 |
| Total domestic deposits to total assets | 81.4314% | 5,377 |
| Equity capital to assets | 8.6945% | 5,594 |
| Core capital (leverage) ratio | 8.1076% | 5,999 |
| Tier 1 risk-based capital ratio | 12.1455% | 5,340 |
| Total risk-based capital ratio | 13.3790% | 5,336 |
| Memoranda: | ||
| Average total assets | $282,878,800 | 2,265 |
| Average earning assets | $265,223,600 | 2,214 |
| Average equity | $24,644,600 | 2,588 |
| Average total loans | $172,996,400 | 2,431 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6453% | 6,212 |
| Cost of funding earning assets | 1.3179% | 4,125 |
| Net interest margin | 3.3274% | 5,931 |
| Noninterest income to average assets | 0.6608% | 3,067 |
| Noninterest expense to average assets | 2.5462% | 5,537 |
| Loan and lease loss provision to assets | 0.4148% | 3,416 |
| Net operating income to assets | 0.6910% | 3,457 |
| Return on assets (ROA) | 0.7018% | 3,559 |
| Pretax return on assets | 0.8305% | 3,797 |
| Return on Equity (ROE) | 8.0517% | 2,876 |
| Retained earnings to average equity (ytd only) | 3.9312% | 3,707 |
| Net charge-offs to loans | 0.2195% | 4,629 |
| Credit loss provision to net charge-offs | 308.7719% | 1,029 |
| Earnings coverage of net charge-offs (x) | 9.1755% | 2,055 |
| Efficiency ratio | 67.3818% | 4,586 |
| Assets per employee ($millions) | 4.1238% | 3,609 |
| Cash dividends to net income (ytd only)* | 51.1751% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4292% | 4,314 |
| Loan loss allowance to noncurrent loans | 50.1946% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 1.7507% | 3,819 |
| Noncurrent loans to loans | 2.8472% | 2,803 |
| Net loans and leases to total assets | 57.7369% | 5,295 |
| Net loans and leases to deposits | 70.9051% | 5,015 |
| Net loans and leases to core deposits | 84.7538% | 3,841 |
| Total domestic deposits to total assets | 81.4285% | 5,230 |
| Equity capital to assets | 8.6515% | 6,097 |
| Core capital (leverage) ratio | 8.0348% | 6,295 |
| Tier 1 risk-based capital ratio | 12.3836% | 5,088 |
| Total risk-based capital ratio | 13.6348% | 5,066 |
| Memoranda: | ||
| Average total assets | $282,875,500 | 2,296 |
| Average earning assets | $265,064,250 | 2,250 |
| Average equity | $24,656,750 | 2,634 |
| Average total loans | $173,141,750 | 2,471 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7035% | 6,137 |
| Cost of funding earning assets | 1.3566% | 4,149 |
| Net interest margin | 3.3469% | 5,847 |
| Noninterest income to average assets | 0.5838% | 3,456 |
| Noninterest expense to average assets | 2.5382% | 5,580 |
| Loan and lease loss provision to assets | 0.3169% | 3,843 |
| Net operating income to assets | 0.7269% | 3,289 |
| Return on assets (ROA) | 0.7347% | 3,408 |
| Pretax return on assets | 0.8742% | 3,601 |
| Return on Equity (ROE) | 8.4070% | 2,708 |
| Retained earnings to average equity (ytd only) | 4.2567% | 3,368 |
| Net charge-offs to loans | 0.1635% | 4,637 |
| Credit loss provision to net charge-offs | 311.9718% | 1,171 |
| Earnings coverage of net charge-offs (x) | 11.6338% | 1,752 |
| Efficiency ratio | 68.2308% | 4,536 |
| Assets per employee ($millions) | 3.9209% | 3,926 |
| Cash dividends to net income (ytd only)* | 49.3671% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2404% | 5,235 |
| Loan loss allowance to noncurrent loans | 53.4175% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 1.5487% | 4,137 |
| Noncurrent loans to loans | 2.3222% | 3,344 |
| Net loans and leases to total assets | 60.8331% | 4,898 |
| Net loans and leases to deposits | 74.6633% | 4,576 |
| Net loans and leases to core deposits | 88.0402% | 3,540 |
| Total domestic deposits to total assets | 81.4766% | 5,208 |
| Equity capital to assets | 8.6655% | 5,922 |
| Core capital (leverage) ratio | 8.1101% | 6,104 |
| Tier 1 risk-based capital ratio | 12.1232% | 5,195 |
| Total risk-based capital ratio | 13.2764% | 5,252 |
| Memoranda: | ||
| Average total assets | $279,570,000 | 2,334 |
| Average earning assets | $261,975,330 | 2,286 |
| Average equity | $24,432,000 | 2,647 |
| Average total loans | $173,689,000 | 2,493 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7399% | 6,113 |
| Cost of funding earning assets | 1.3490% | 4,504 |
| Net interest margin | 3.3909% | 5,617 |
| Noninterest income to average assets | 0.5823% | 3,398 |
| Noninterest expense to average assets | 2.5406% | 5,575 |
| Loan and lease loss provision to assets | 0.2761% | 3,811 |
| Net operating income to assets | 0.7796% | 3,063 |
| Return on assets (ROA) | 0.7951% | 3,096 |
| Pretax return on assets | 0.9576% | 3,244 |
| Return on Equity (ROE) | 9.0594% | 2,478 |
| Retained earnings to average equity (ytd only) | 4.8983% | 3,209 |
| Net charge-offs to loans | 0.0300% | 5,149 |
| Credit loss provision to net charge-offs | 1,476.9231% | 343 |
| Earnings coverage of net charge-offs (x) | 65.0000% | 470 |
| Efficiency ratio | 67.6493% | 4,790 |
| Assets per employee ($millions) | 3.9572% | 3,974 |
| Cash dividends to net income (ytd only)* | 45.9313% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1605% | 5,713 |
| Loan loss allowance to noncurrent loans | 109.0568% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.7791% | 5,592 |
| Noncurrent loans to loans | 1.0641% | 5,216 |
| Net loans and leases to total assets | 62.5713% | 4,643 |
| Net loans and leases to deposits | 76.1855% | 4,375 |
| Net loans and leases to core deposits | 90.0839% | 3,354 |
| Total domestic deposits to total assets | 82.1302% | 5,024 |
| Equity capital to assets | 8.8251% | 5,500 |
| Core capital (leverage) ratio | 8.3548% | 5,632 |
| Tier 1 risk-based capital ratio | 12.0212% | 5,178 |
| Total risk-based capital ratio | 13.0980% | 5,296 |
| Memoranda: | ||
| Average total assets | $278,204,000 | 2,408 |
| Average earning assets | $260,343,500 | 2,350 |
| Average equity | $24,416,500 | 2,679 |
| Average total loans | $173,588,500 | 2,560 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8426% | 6,859 |
| Cost of funding earning assets | 1.4077% | 5,901 |
| Net interest margin | 3.4349% | 5,241 |
| Noninterest income to average assets | 0.8495% | 2,179 |
| Noninterest expense to average assets | 2.6976% | 5,407 |
| Loan and lease loss provision to assets | 0.2371% | 5,479 |
| Net operating income to assets | 0.9263% | 2,088 |
| Return on assets (ROA) | 0.9270% | 2,149 |
| Pretax return on assets | 1.1447% | 2,112 |
| Return on Equity (ROE) | 9.9219% | 1,716 |
| Retained earnings to average equity (ytd only) | 2.1358% | 3,610 |
| Net charge-offs to loans | 0.4575% | 3,952 |
| Credit loss provision to net charge-offs | 84.2697% | 6,178 |
| Earnings coverage of net charge-offs (x) | 4.9087% | 2,760 |
| Efficiency ratio | 64.2511% | 5,732 |
| Assets per employee ($millions) | 4.2334% | 3,368 |
| Cash dividends to net income (ytd only)* | 78.4740% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 5,996 |
| Loan loss allowance to noncurrent loans | 140.9263% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.6120% | 5,921 |
| Noncurrent loans to loans | 0.7665% | 5,737 |
| Net loans and leases to total assets | 60.8298% | 5,216 |
| Net loans and leases to deposits | 77.0543% | 4,550 |
| Net loans and leases to core deposits | 100.9941% | 3,902 |
| Total domestic deposits to total assets | 78.9441% | 5,994 |
| Equity capital to assets | 8.7282% | 5,551 |
| Core capital (leverage) ratio | 8.8663% | 4,650 |
| Tier 1 risk-based capital ratio | 11.9780% | 4,964 |
| Total risk-based capital ratio | 12.9662% | 5,143 |
| Memoranda: | ||
| Average total assets | $253,078,600 | 2,579 |
| Average earning assets | $237,911,400 | 2,521 |
| Average equity | $23,644,600 | 2,776 |
| Average total loans | $155,621,600 | 2,838 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9053% | 6,875 |
| Cost of funding earning assets | 1.4495% | 6,037 |
| Net interest margin | 3.4558% | 5,045 |
| Noninterest income to average assets | 0.9201% | 1,903 |
| Noninterest expense to average assets | 2.5985% | 5,715 |
| Loan and lease loss provision to assets | 0.2429% | 5,017 |
| Net operating income to assets | 1.0642% | 1,850 |
| Return on assets (ROA) | 1.0650% | 1,896 |
| Pretax return on assets | 1.3360% | 1,858 |
| Return on Equity (ROE) | 11.1909% | 1,569 |
| Retained earnings to average equity (ytd only) | 4.4559% | 2,784 |
| Net charge-offs to loans | 0.4002% | 3,663 |
| Credit loss provision to net charge-offs | 98.6813% | 5,188 |
| Earnings coverage of net charge-offs (x) | 6.4110% | 2,611 |
| Efficiency ratio | 60.3678% | 6,360 |
| Assets per employee ($millions) | 4.3140% | 3,185 |
| Cash dividends to net income (ytd only)* | 60.1828% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2665% | 4,715 |
| Loan loss allowance to noncurrent loans | 104.4728% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.8541% | 5,388 |
| Noncurrent loans to loans | 1.2122% | 4,918 |
| Net loans and leases to total assets | 60.0952% | 5,569 |
| Net loans and leases to deposits | 80.7662% | 4,242 |
| Net loans and leases to core deposits | 99.7242% | 4,404 |
| Total domestic deposits to total assets | 74.4064% | 6,879 |
| Equity capital to assets | 9.7789% | 4,376 |
| Core capital (leverage) ratio | 9.6557% | 3,707 |
| Tier 1 risk-based capital ratio | 13.9469% | 3,580 |
| Total risk-based capital ratio | 15.0979% | 3,583 |
| Memoranda: | ||
| Average total assets | $246,497,250 | 2,656 |
| Average earning assets | $232,259,000 | 2,594 |
| Average equity | $23,459,000 | 2,811 |
| Average total loans | $151,572,750 | 2,920 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9352% | 6,954 |
| Cost of funding earning assets | 1.4923% | 6,170 |
| Net interest margin | 3.4429% | 5,012 |
| Noninterest income to average assets | 1.0155% | 1,543 |
| Noninterest expense to average assets | 2.5675% | 5,871 |
| Loan and lease loss provision to assets | 0.2444% | 4,626 |
| Net operating income to assets | 1.1397% | 1,630 |
| Return on assets (ROA) | 1.1410% | 1,714 |
| Pretax return on assets | 1.4470% | 1,598 |
| Return on Equity (ROE) | 12.1051% | 1,382 |
| Retained earnings to average equity (ytd only) | 3.9944% | 3,063 |
| Net charge-offs to loans | 0.4732% | 2,939 |
| Credit loss provision to net charge-offs | 83.7079% | 5,095 |
| Earnings coverage of net charge-offs (x) | 5.7865% | 2,762 |
| Efficiency ratio | 58.5549% | 6,758 |
| Assets per employee ($millions) | 3.9136% | 3,852 |
| Cash dividends to net income (ytd only)* | 67.0022% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2752% | 4,424 |
| Loan loss allowance to noncurrent loans | 91.3876% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 1.0028% | 4,964 |
| Noncurrent loans to loans | 1.3954% | 4,420 |
| Net loans and leases to total assets | 61.9390% | 5,366 |
| Net loans and leases to deposits | 81.9126% | 4,237 |
| Net loans and leases to core deposits | 102.3825% | 4,247 |
| Total domestic deposits to total assets | 75.6160% | 6,632 |
| Equity capital to assets | 9.5438% | 4,552 |
| Core capital (leverage) ratio | 9.5412% | 3,825 |
| Tier 1 risk-based capital ratio | 14.0271% | 3,508 |
| Total risk-based capital ratio | 15.1682% | 3,504 |
| Memoranda: | ||
| Average total assets | $243,820,330 | 2,718 |
| Average earning assets | $229,576,670 | 2,638 |
| Average equity | $22,982,000 | 2,864 |
| Average total loans | $150,456,670 | 2,978 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9001% | 7,178 |
| Cost of funding earning assets | 1.5055% | 6,385 |
| Net interest margin | 3.3946% | 5,161 |
| Noninterest income to average assets | 1.1024% | 1,227 |
| Noninterest expense to average assets | 2.4776% | 5,924 |
| Loan and lease loss provision to assets | 0.2403% | 4,059 |
| Net operating income to assets | 1.2298% | 1,567 |
| Return on assets (ROA) | 1.2323% | 1,666 |
| Pretax return on assets | 1.5911% | 1,431 |
| Return on Equity (ROE) | 13.1537% | 1,347 |
| Retained earnings to average equity (ytd only) | 1.4211% | 5,065 |
| Net charge-offs to loans | 0.7825% | 1,647 |
| Credit loss provision to net charge-offs | 50.1695% | 4,675 |
| Earnings coverage of net charge-offs (x) | 3.8169% | 3,058 |
| Efficiency ratio | 55.9201% | 6,979 |
| Assets per employee ($millions) | 4.1134% | 3,431 |
| Cash dividends to net income (ytd only)* | 89.1963% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2160% | 4,689 |
| Loan loss allowance to noncurrent loans | 164.2020% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.5348% | 5,883 |
| Noncurrent loans to loans | 0.7406% | 5,579 |
| Net loans and leases to total assets | 58.9558% | 5,813 |
| Net loans and leases to deposits | 77.5562% | 4,999 |
| Net loans and leases to core deposits | 92.9331% | 5,264 |
| Total domestic deposits to total assets | 76.0168% | 6,510 |
| Equity capital to assets | 9.1441% | 5,158 |
| Core capital (leverage) ratio | 9.5752% | 3,899 |
| Tier 1 risk-based capital ratio | 14.1087% | 3,522 |
| Total risk-based capital ratio | 15.2204% | 3,531 |
| Memoranda: | ||
| Average total assets | $246,365,500 | 2,692 |
| Average earning assets | $232,487,000 | 2,616 |
| Average equity | $23,081,000 | 2,873 |
| Average total loans | $150,796,500 | 2,995 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0169% | 5,468 |
| Cost of funding earning assets | 2.1506% | 5,828 |
| Net interest margin | 3.8663% | 3,718 |
| Noninterest income to average assets | 0.5495% | 4,236 |
| Noninterest expense to average assets | 2.4612% | 6,163 |
| Loan and lease loss provision to assets | 0.3120% | 3,878 |
| Net operating income to assets | 1.3950% | 1,243 |
| Return on assets (ROA) | 0.5706% | 4,301 |
| Pretax return on assets | 0.5568% | 4,831 |
| Return on Equity (ROE) | 5.6671% | 4,088 |
| Retained earnings to average equity (ytd only) | -2.2857% | 5,947 |
| Net charge-offs to loans | 0.3290% | 3,203 |
| Credit loss provision to net charge-offs | 153.0655% | 3,414 |
| Earnings coverage of net charge-offs (x) | 8.3066% | 2,901 |
| Efficiency ratio | 58.7967% | 6,558 |
| Assets per employee ($millions) | 3.8383% | 3,885 |
| Cash dividends to net income (ytd only)* | 140.3323% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2961% | 3,812 |
| Loan loss allowance to noncurrent loans | 142.5054% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.6464% | 5,279 |
| Noncurrent loans to loans | 0.9095% | 4,807 |
| Net loans and leases to total assets | 61.9790% | 5,627 |
| Net loans and leases to deposits | 82.3895% | 4,663 |
| Net loans and leases to core deposits | 93.4837% | 5,496 |
| Total domestic deposits to total assets | 75.2268% | 6,395 |
| Equity capital to assets | 9.6016% | 4,541 |
| Core capital (leverage) ratio | 9.5018% | 4,014 |
| Tier 1 risk-based capital ratio | 14.0502% | 3,526 |
| Total risk-based capital ratio | 15.2500% | 3,469 |
| Memoranda: | ||
| Average total assets | $232,043,200 | 2,740 |
| Average earning assets | $216,357,000 | 2,697 |
| Average equity | $23,362,800 | 2,808 |
| Average total loans | $143,784,400 | 3,026 |