Home > First National Bank & Trust Company of McAlester > Performance and Condition Ratios
First National Bank & Trust Company of McAlester, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2095% | 3,608 |
| Cost of funding earning assets | 0.9797% | 3,343 |
| Net interest margin | 3.2298% | 2,797 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.2227% | 3,064 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.1384% | 1,811 |
| Return on assets (ROA) | 1.1384% | 1,790 |
| Pretax return on assets | 1.1384% | 2,295 |
| Return on Equity (ROE) | 12.6100% | 1,818 |
| Retained earnings to average equity (ytd only) | 2.2546% | 3,514 |
| Net charge-offs to loans | 0.0852% | 1,008 |
| Credit loss provision to net charge-offs | 130.3630% | 1,598 |
| Earnings coverage of net charge-offs (x) | 22.2178% | 1,820 |
| Efficiency ratio | 64.5067% | 2,544 |
| Assets per employee ($millions) | 7.2521% | 1,903 |
| Cash dividends to net income (ytd only)* | 82.1209% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2792% | 1,879 |
| Loan loss allowance to noncurrent loans | 113.6771% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 1.2553% | 339 |
| Noncurrent loans to loans | 1.1253% | 639 |
| Net loans and leases to total assets | 62.2500% | 2,653 |
| Net loans and leases to deposits | 73.1637% | 2,681 |
| Net loans and leases to core deposits | 81.3296% | 2,631 |
| Total domestic deposits to total assets | 85.0900% | 2,284 |
| Equity capital to assets | 9.5022% | 2,343 |
| Core capital (leverage) ratio | 10.2966% | 2,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0096% | 1,275 |
| Memoranda: | ||
| Average total assets | $556,656,200 | 1,593 |
| Average earning assets | $512,794,000 | 1,598 |
| Average equity | $50,252,800 | 1,602 |
| Average total loans | $355,798,000 | 1,592 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1306% | 3,601 |
| Cost of funding earning assets | 0.8684% | 3,347 |
| Net interest margin | 3.2621% | 2,771 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.1959% | 3,087 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.2602% | 1,634 |
| Return on assets (ROA) | 1.2602% | 1,626 |
| Pretax return on assets | 1.2602% | 2,146 |
| Return on Equity (ROE) | 14.1500% | 1,615 |
| Retained earnings to average equity (ytd only) | 4.1123% | 3,231 |
| Net charge-offs to loans | 0.1080% | 734 |
| Credit loss provision to net charge-offs | 105.9028% | 1,576 |
| Earnings coverage of net charge-offs (x) | 19.2535% | 1,840 |
| Efficiency ratio | 61.9310% | 2,726 |
| Assets per employee ($millions) | 6.7874% | 2,109 |
| Cash dividends to net income (ytd only)* | 70.9351% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2618% | 2,044 |
| Loan loss allowance to noncurrent loans | 84.3768% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 1.3995% | 281 |
| Noncurrent loans to loans | 1.4954% | 488 |
| Net loans and leases to total assets | 64.6800% | 2,370 |
| Net loans and leases to deposits | 73.3561% | 2,620 |
| Net loans and leases to core deposits | 80.2853% | 2,575 |
| Total domestic deposits to total assets | 88.1700% | 1,515 |
| Equity capital to assets | 9.1517% | 2,325 |
| Core capital (leverage) ratio | 10.5484% | 2,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0951% | 1,298 |
| Memoranda: | ||
| Average total assets | $554,405,250 | 1,596 |
| Average earning assets | $510,943,500 | 1,596 |
| Average equity | $49,378,500 | 1,613 |
| Average total loans | $355,570,750 | 1,591 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0116% | 3,663 |
| Cost of funding earning assets | 0.8363% | 3,112 |
| Net interest margin | 3.1753% | 3,050 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 2.1637% | 3,186 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.2056% | 1,820 |
| Return on assets (ROA) | 1.2056% | 1,807 |
| Pretax return on assets | 1.2056% | 2,344 |
| Return on Equity (ROE) | 13.6600% | 1,756 |
| Retained earnings to average equity (ytd only) | 4.0427% | 3,200 |
| Net charge-offs to loans | 0.1519% | 514 |
| Credit loss provision to net charge-offs | 79.6296% | 1,553 |
| Earnings coverage of net charge-offs (x) | 13.2593% | 1,909 |
| Efficiency ratio | 62.4909% | 2,646 |
| Assets per employee ($millions) | 7.1067% | 1,842 |
| Cash dividends to net income (ytd only)* | 70.4012% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2451% | 2,199 |
| Loan loss allowance to noncurrent loans | 292.5166% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.7189% | 723 |
| Noncurrent loans to loans | 0.4256% | 1,663 |
| Net loans and leases to total assets | 63.2000% | 2,465 |
| Net loans and leases to deposits | 70.3749% | 2,754 |
| Net loans and leases to core deposits | 76.6738% | 2,713 |
| Total domestic deposits to total assets | 89.8100% | 978 |
| Equity capital to assets | 8.9731% | 2,531 |
| Core capital (leverage) ratio | 10.2743% | 2,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0708% | 1,305 |
| Memoranda: | ||
| Average total assets | $558,209,667 | 1,583 |
| Average earning assets | $515,359,667 | 1,584 |
| Average equity | $49,273,667 | 1,614 |
| Average total loans | $355,534,000 | 1,578 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9201% | 3,633 |
| Cost of funding earning assets | 0.8226% | 2,641 |
| Net interest margin | 3.0975% | 3,350 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 2.0380% | 3,534 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.2532% | 1,789 |
| Return on assets (ROA) | 1.2532% | 1,760 |
| Pretax return on assets | 1.2532% | 2,292 |
| Return on Equity (ROE) | 14.3100% | 1,713 |
| Retained earnings to average equity (ytd only) | 5.7585% | 2,833 |
| Net charge-offs to loans | 0.1675% | 421 |
| Credit loss provision to net charge-offs | 50.3356% | 1,298 |
| Earnings coverage of net charge-offs (x) | 12.2819% | 1,613 |
| Efficiency ratio | 60.6319% | 2,877 |
| Assets per employee ($millions) | 7.2103% | 1,814 |
| Cash dividends to net income (ytd only)* | 59.7721% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2331% | 2,372 |
| Loan loss allowance to noncurrent loans | 229.3688% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.7463% | 652 |
| Noncurrent loans to loans | 0.5376% | 1,379 |
| Net loans and leases to total assets | 62.6200% | 2,393 |
| Net loans and leases to deposits | 69.6384% | 2,644 |
| Net loans and leases to core deposits | 77.0978% | 2,452 |
| Total domestic deposits to total assets | 89.9200% | 1,186 |
| Equity capital to assets | 8.9432% | 2,559 |
| Core capital (leverage) ratio | 10.0643% | 2,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8619% | 1,403 |
| Memoranda: | ||
| Average total assets | $560,153,500 | 1,598 |
| Average earning assets | $517,845,000 | 1,601 |
| Average equity | $49,040,500 | 1,636 |
| Average total loans | $355,920,500 | 1,591 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5536% | 2,930 |
| Cost of funding earning assets | 0.3229% | 2,699 |
| Net interest margin | 3.2307% | 2,765 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.1569% | 3,139 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 1.1072% | 2,141 |
| Return on assets (ROA) | 1.1072% | 2,078 |
| Pretax return on assets | 1.1072% | 2,752 |
| Return on Equity (ROE) | 12.3600% | 2,016 |
| Retained earnings to average equity (ytd only) | 0.8802% | 4,224 |
| Net charge-offs to loans | 0.0544% | 1,117 |
| Credit loss provision to net charge-offs | 702.7027% | 543 |
| Earnings coverage of net charge-offs (x) | 40.9459% | 1,490 |
| Efficiency ratio | 61.4576% | 2,846 |
| Assets per employee ($millions) | 7.3408% | 1,729 |
| Cash dividends to net income (ytd only)* | 92.8765% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 2,105 |
| Loan loss allowance to noncurrent loans | 295.7011% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.8634% | 533 |
| Noncurrent loans to loans | 0.4256% | 1,652 |
| Net loans and leases to total assets | 62.8800% | 2,343 |
| Net loans and leases to deposits | 69.5935% | 2,615 |
| Net loans and leases to core deposits | 78.4511% | 2,243 |
| Total domestic deposits to total assets | 90.3500% | 1,222 |
| Equity capital to assets | 8.5651% | 2,661 |
| Core capital (leverage) ratio | 9.9617% | 2,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6935% | 1,435 |
| Memoranda: | ||
| Average total assets | $566,728,200 | 1,570 |
| Average earning assets | $525,866,600 | 1,563 |
| Average equity | $50,786,200 | 1,597 |
| Average total loans | $340,112,200 | 1,579 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4663% | 2,726 |
| Cost of funding earning assets | 0.2188% | 3,049 |
| Net interest margin | 3.2475% | 2,469 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.1192% | 3,163 |
| Loan and lease loss provision to assets | 0.2300% | 365 |
| Net operating income to assets | 1.1136% | 2,036 |
| Return on assets (ROA) | 1.1136% | 2,004 |
| Pretax return on assets | 1.1584% | 2,531 |
| Return on Equity (ROE) | 12.2900% | 1,946 |
| Retained earnings to average equity (ytd only) | 1.0400% | 4,209 |
| Net charge-offs to loans | 0.0622% | 865 |
| Credit loss provision to net charge-offs | 636.9427% | 543 |
| Earnings coverage of net charge-offs (x) | 37.8535% | 1,413 |
| Efficiency ratio | 60.0627% | 3,103 |
| Assets per employee ($millions) | 7.2515% | 1,782 |
| Cash dividends to net income (ytd only)* | 91.5404% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 2,611 |
| Loan loss allowance to noncurrent loans | 239.6689% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.8941% | 537 |
| Noncurrent loans to loans | 0.4943% | 1,567 |
| Net loans and leases to total assets | 61.9200% | 2,299 |
| Net loans and leases to deposits | 70.9731% | 2,291 |
| Net loans and leases to core deposits | 75.3723% | 2,247 |
| Total domestic deposits to total assets | 87.2400% | 2,683 |
| Equity capital to assets | 8.1311% | 2,814 |
| Core capital (leverage) ratio | 9.8499% | 2,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5753% | 1,540 |
| Memoranda: | ||
| Average total assets | $568,934,500 | 1,571 |
| Average earning assets | $528,351,750 | 1,573 |
| Average equity | $51,536,500 | 1,604 |
| Average total loans | $336,322,000 | 1,584 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3627% | 2,536 |
| Cost of funding earning assets | 0.1658% | 3,369 |
| Net interest margin | 3.1970% | 2,200 |
| Noninterest income to average assets | 0.5217% | 2,079 |
| Noninterest expense to average assets | 2.1146% | 3,114 |
| Loan and lease loss provision to assets | 0.2456% | 302 |
| Net operating income to assets | 1.0901% | 1,811 |
| Return on assets (ROA) | 1.0901% | 1,792 |
| Pretax return on assets | 1.1322% | 2,297 |
| Return on Equity (ROE) | 11.6400% | 1,777 |
| Retained earnings to average equity (ytd only) | 0.1948% | 4,151 |
| Net charge-offs to loans | 0.0824% | 661 |
| Credit loss provision to net charge-offs | 514.7059% | 618 |
| Earnings coverage of net charge-offs (x) | 28.8750% | 1,407 |
| Efficiency ratio | 60.2672% | 3,266 |
| Assets per employee ($millions) | 7.3311% | 1,711 |
| Cash dividends to net income (ytd only)* | 98.3264% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 2,765 |
| Loan loss allowance to noncurrent loans | 264.5074% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 1.0381% | 441 |
| Noncurrent loans to loans | 0.4481% | 1,777 |
| Net loans and leases to total assets | 57.1460% | 2,624 |
| Net loans and leases to deposits | 63.2965% | 2,782 |
| Net loans and leases to core deposits | 66.8043% | 2,755 |
| Total domestic deposits to total assets | 90.2830% | 1,585 |
| Equity capital to assets | 8.6575% | 2,647 |
| Core capital (leverage) ratio | 9.7807% | 2,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9380% | 1,449 |
| Memoranda: | ||
| Average total assets | $570,041,000 | 1,574 |
| Average earning assets | $529,687,000 | 1,585 |
| Average equity | $53,385,000 | 1,601 |
| Average total loans | $330,290,000 | 1,598 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2729% | 2,466 |
| Cost of funding earning assets | 0.1465% | 3,546 |
| Net interest margin | 3.1264% | 2,088 |
| Noninterest income to average assets | 0.3978% | 2,702 |
| Noninterest expense to average assets | 2.0142% | 3,395 |
| Loan and lease loss provision to assets | 0.2108% | 337 |
| Net operating income to assets | 1.0401% | 1,725 |
| Return on assets (ROA) | 1.0401% | 1,723 |
| Pretax return on assets | 1.0823% | 2,197 |
| Return on Equity (ROE) | 10.7005% | 1,727 |
| Retained earnings to average equity (ytd only) | -2.8559% | 4,300 |
| Net charge-offs to loans | 0.0085% | 1,437 |
| Credit loss provision to net charge-offs | 4,285.7143% | 112 |
| Earnings coverage of net charge-offs (x) | 262.8571% | 351 |
| Efficiency ratio | 60.6035% | 3,419 |
| Assets per employee ($millions) | 7.4031% | 1,737 |
| Cash dividends to net income (ytd only)* | 126.6892% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 3,324 |
| Loan loss allowance to noncurrent loans | 30.6433% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 2.4704% | 99 |
| Noncurrent loans to loans | 3.5880% | 121 |
| Net loans and leases to total assets | 57.5806% | 2,343 |
| Net loans and leases to deposits | 64.0549% | 2,527 |
| Net loans and leases to core deposits | 67.6255% | 2,487 |
| Total domestic deposits to total assets | 89.8926% | 1,625 |
| Equity capital to assets | 9.1052% | 2,623 |
| Core capital (leverage) ratio | 9.8071% | 2,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5935% | 1,621 |
| Memoranda: | ||
| Average total assets | $569,149,000 | 1,583 |
| Average earning assets | $529,676,500 | 1,592 |
| Average equity | $55,324,500 | 1,587 |
| Average total loans | $330,087,500 | 1,587 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4498% | 2,801 |
| Cost of funding earning assets | 0.1722% | 3,751 |
| Net interest margin | 3.2775% | 2,374 |
| Noninterest income to average assets | 0.5223% | 2,475 |
| Noninterest expense to average assets | 2.1113% | 3,363 |
| Loan and lease loss provision to assets | 0.1230% | 1,000 |
| Net operating income to assets | 1.2536% | 1,731 |
| Return on assets (ROA) | 1.2536% | 1,784 |
| Pretax return on assets | 1.3192% | 2,299 |
| Return on Equity (ROE) | 11.5416% | 1,969 |
| Retained earnings to average equity (ytd only) | 1.4664% | 4,128 |
| Net charge-offs to loans | 0.1781% | 543 |
| Credit loss provision to net charge-offs | 124.5387% | 1,625 |
| Earnings coverage of net charge-offs (x) | 14.6015% | 2,026 |
| Efficiency ratio | 59.1261% | 3,278 |
| Assets per employee ($millions) | 7.4771% | 1,633 |
| Cash dividends to net income (ytd only)* | 87.2947% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0223% | 3,652 |
| Loan loss allowance to noncurrent loans | 40.6837% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 1.8548% | 185 |
| Noncurrent loans to loans | 2.5127% | 270 |
| Net loans and leases to total assets | 57.1813% | 2,456 |
| Net loans and leases to deposits | 64.4642% | 2,646 |
| Net loans and leases to core deposits | 68.1846% | 2,635 |
| Total domestic deposits to total assets | 88.7024% | 1,662 |
| Equity capital to assets | 10.3379% | 2,330 |
| Core capital (leverage) ratio | 10.0848% | 2,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9422% | 1,533 |
| Memoranda: | ||
| Average total assets | $548,724,000 | 1,580 |
| Average earning assets | $507,485,400 | 1,583 |
| Average equity | $59,601,800 | 1,517 |
| Average total loans | $304,345,600 | 1,691 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2574% | 3,496 |
| Cost of funding earning assets | 0.1790% | 3,833 |
| Net interest margin | 3.0784% | 3,104 |
| Noninterest income to average assets | 0.5876% | 2,262 |
| Noninterest expense to average assets | 2.1340% | 3,266 |
| Loan and lease loss provision to assets | 0.0919% | 1,299 |
| Net operating income to assets | 1.1107% | 2,513 |
| Return on assets (ROA) | 1.1107% | 2,568 |
| Pretax return on assets | 1.1990% | 2,936 |
| Return on Equity (ROE) | 10.0916% | 2,707 |
| Retained earnings to average equity (ytd only) | -0.2428% | 4,590 |
| Net charge-offs to loans | 0.1680% | 507 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | 14.0427% | 1,906 |
| Efficiency ratio | 62.0070% | 2,697 |
| Assets per employee ($millions) | 7.1015% | 1,801 |
| Cash dividends to net income (ytd only)* | 102.4056% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1158% | 3,368 |
| Loan loss allowance to noncurrent loans | 64.5116% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 1.9246% | 202 |
| Noncurrent loans to loans | 1.7295% | 579 |
| Net loans and leases to total assets | 51.5669% | 3,243 |
| Net loans and leases to deposits | 58.5513% | 3,359 |
| Net loans and leases to core deposits | 61.8218% | 3,338 |
| Total domestic deposits to total assets | 88.0714% | 1,799 |
| Equity capital to assets | 10.7160% | 2,247 |
| Core capital (leverage) ratio | 9.9579% | 2,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2829% | 1,291 |
| Memoranda: | ||
| Average total assets | $543,887,750 | 1,596 |
| Average earning assets | $501,290,000 | 1,609 |
| Average equity | $59,863,750 | 1,539 |
| Average total loans | $297,562,750 | 1,746 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2834% | 3,475 |
| Cost of funding earning assets | 0.1863% | 3,888 |
| Net interest margin | 3.0971% | 3,047 |
| Noninterest income to average assets | 0.5039% | 2,604 |
| Noninterest expense to average assets | 2.1086% | 3,357 |
| Loan and lease loss provision to assets | 0.0832% | 1,472 |
| Net operating income to assets | 1.0427% | 2,747 |
| Return on assets (ROA) | 1.0427% | 2,825 |
| Pretax return on assets | 1.1666% | 3,003 |
| Return on Equity (ROE) | 9.3883% | 2,982 |
| Retained earnings to average equity (ytd only) | -3.0217% | 4,720 |
| Net charge-offs to loans | 0.1038% | 725 |
| Credit loss provision to net charge-offs | 144.2308% | 1,181 |
| Earnings coverage of net charge-offs (x) | 21.6538% | 1,503 |
| Efficiency ratio | 62.4766% | 2,664 |
| Assets per employee ($millions) | 7.3812% | 1,544 |
| Cash dividends to net income (ytd only)* | 132.1859% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 3,424 |
| Loan loss allowance to noncurrent loans | 75.8700% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 1.5159% | 371 |
| Noncurrent loans to loans | 1.4479% | 798 |
| Net loans and leases to total assets | 53.5373% | 3,188 |
| Net loans and leases to deposits | 60.7128% | 3,325 |
| Net loans and leases to core deposits | 63.8100% | 3,302 |
| Total domestic deposits to total assets | 88.1811% | 1,733 |
| Equity capital to assets | 10.6657% | 2,253 |
| Core capital (leverage) ratio | 9.9926% | 2,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9885% | 1,338 |
| Memoranda: | ||
| Average total assets | $540,544,000 | 1,596 |
| Average earning assets | $498,204,000 | 1,606 |
| Average equity | $60,032,333 | 1,524 |
| Average total loans | $300,463,000 | 1,742 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3465% | 3,349 |
| Cost of funding earning assets | 0.1979% | 3,932 |
| Net interest margin | 3.1486% | 2,849 |
| Noninterest income to average assets | 0.4921% | 2,643 |
| Noninterest expense to average assets | 2.0044% | 3,704 |
| Loan and lease loss provision to assets | 0.0562% | 1,989 |
| Net operating income to assets | 1.2531% | 1,969 |
| Return on assets (ROA) | 1.2531% | 2,047 |
| Pretax return on assets | 1.3280% | 2,491 |
| Return on Equity (ROE) | 11.0563% | 2,352 |
| Retained earnings to average equity (ytd only) | -4.7384% | 4,685 |
| Net charge-offs to loans | 0.1024% | 677 |
| Credit loss provision to net charge-offs | 97.4026% | 1,151 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,183 |
| Efficiency ratio | 58.8417% | 3,179 |
| Assets per employee ($millions) | 7.1928% | 1,655 |
| Cash dividends to net income (ytd only)* | 142.8571% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0727% | 3,555 |
| Loan loss allowance to noncurrent loans | 74.0800% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 1.5368% | 401 |
| Noncurrent loans to loans | 1.4480% | 869 |
| Net loans and leases to total assets | 54.3417% | 3,208 |
| Net loans and leases to deposits | 61.7529% | 3,347 |
| Net loans and leases to core deposits | 64.8436% | 3,328 |
| Total domestic deposits to total assets | 87.9987% | 1,845 |
| Equity capital to assets | 10.9587% | 1,892 |
| Core capital (leverage) ratio | 10.4341% | 2,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4814% | 1,435 |
| Memoranda: | ||
| Average total assets | $534,021,000 | 1,601 |
| Average earning assets | $491,261,500 | 1,612 |
| Average equity | $60,526,500 | 1,507 |
| Average total loans | $300,860,000 | 1,744 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8694% | 3,114 |
| Cost of funding earning assets | 0.3497% | 3,871 |
| Net interest margin | 3.5197% | 2,413 |
| Noninterest income to average assets | 0.6417% | 2,059 |
| Noninterest expense to average assets | 2.3359% | 3,305 |
| Loan and lease loss provision to assets | 0.2471% | 1,562 |
| Net operating income to assets | 1.2199% | 1,480 |
| Return on assets (ROA) | 1.2199% | 1,594 |
| Pretax return on assets | 1.2678% | 2,091 |
| Return on Equity (ROE) | 10.2608% | 1,904 |
| Retained earnings to average equity (ytd only) | 2.0062% | 3,819 |
| Net charge-offs to loans | 0.5949% | 255 |
| Credit loss provision to net charge-offs | 75.7021% | 3,007 |
| Earnings coverage of net charge-offs (x) | 4.6410% | 2,957 |
| Efficiency ratio | 60.3653% | 3,404 |
| Assets per employee ($millions) | 6.6845% | 1,792 |
| Cash dividends to net income (ytd only)* | 80.4476% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0692% | 3,602 |
| Loan loss allowance to noncurrent loans | 71.9420% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 1.7772% | 351 |
| Noncurrent loans to loans | 1.4862% | 898 |
| Net loans and leases to total assets | 57.1963% | 3,179 |
| Net loans and leases to deposits | 65.4967% | 3,319 |
| Net loans and leases to core deposits | 69.2022% | 3,315 |
| Total domestic deposits to total assets | 87.3270% | 1,780 |
| Equity capital to assets | 11.7276% | 1,713 |
| Core capital (leverage) ratio | 10.7214% | 1,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2336% | 1,464 |
| Memoranda: | ||
| Average total assets | $501,826,000 | 1,548 |
| Average earning assets | $457,541,400 | 1,569 |
| Average equity | $59,663,800 | 1,450 |
| Average total loans | $275,339,400 | 1,800 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7045% | 3,790 |
| Cost of funding earning assets | 0.3928% | 3,844 |
| Net interest margin | 3.3117% | 3,153 |
| Noninterest income to average assets | 0.3244% | 3,546 |
| Noninterest expense to average assets | 2.2068% | 3,664 |
| Loan and lease loss provision to assets | 0.2415% | 1,682 |
| Net operating income to assets | 0.8382% | 2,957 |
| Return on assets (ROA) | 0.8382% | 3,079 |
| Pretax return on assets | 0.8892% | 3,405 |
| Return on Equity (ROE) | 7.0248% | 3,186 |
| Retained earnings to average equity (ytd only) | -2.7006% | 4,755 |
| Net charge-offs to loans | 0.8070% | 169 |
| Credit loss provision to net charge-offs | 55.3165% | 2,871 |
| Earnings coverage of net charge-offs (x) | 2.5900% | 2,980 |
| Efficiency ratio | 65.7850% | 2,494 |
| Assets per employee ($millions) | 6.6258% | 1,732 |
| Cash dividends to net income (ytd only)* | 138.4443% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0185% | 3,623 |
| Loan loss allowance to noncurrent loans | 59.4739% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 2.3198% | 244 |
| Noncurrent loans to loans | 1.7126% | 798 |
| Net loans and leases to total assets | 53.7292% | 3,828 |
| Net loans and leases to deposits | 61.3914% | 3,963 |
| Net loans and leases to core deposits | 64.8009% | 3,964 |
| Total domestic deposits to total assets | 87.5191% | 1,439 |
| Equity capital to assets | 11.3293% | 2,129 |
| Core capital (leverage) ratio | 10.4690% | 2,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9845% | 1,499 |
| Memoranda: | ||
| Average total assets | $496,934,500 | 1,537 |
| Average earning assets | $452,120,250 | 1,565 |
| Average equity | $59,293,000 | 1,450 |
| Average total loans | $268,814,250 | 1,822 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7957% | 3,867 |
| Cost of funding earning assets | 0.4551% | 3,765 |
| Net interest margin | 3.3406% | 3,270 |
| Noninterest income to average assets | 0.4118% | 3,008 |
| Noninterest expense to average assets | 2.1508% | 3,927 |
| Loan and lease loss provision to assets | 0.2459% | 1,712 |
| Net operating income to assets | 1.0055% | 2,302 |
| Return on assets (ROA) | 1.0055% | 2,428 |
| Pretax return on assets | 1.0531% | 2,862 |
| Return on Equity (ROE) | 8.2780% | 2,639 |
| Retained earnings to average equity (ytd only) | -2.6008% | 4,630 |
| Net charge-offs to loans | 0.6234% | 255 |
| Credit loss provision to net charge-offs | 72.9927% | 2,537 |
| Earnings coverage of net charge-offs (x) | 3.8564% | 2,647 |
| Efficiency ratio | 62.0145% | 3,121 |
| Assets per employee ($millions) | 6.4662% | 1,816 |
| Cash dividends to net income (ytd only)* | 131.4181% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 2,457 |
| Loan loss allowance to noncurrent loans | 38.3894% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 2.9082% | 170 |
| Noncurrent loans to loans | 3.1550% | 288 |
| Net loans and leases to total assets | 53.5934% | 3,909 |
| Net loans and leases to deposits | 61.4309% | 4,044 |
| Net loans and leases to core deposits | 64.6875% | 4,037 |
| Total domestic deposits to total assets | 87.2418% | 1,528 |
| Equity capital to assets | 11.6283% | 1,891 |
| Core capital (leverage) ratio | 10.6500% | 2,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3829% | 1,396 |
| Memoranda: | ||
| Average total assets | $488,099,333 | 1,535 |
| Average earning assets | $443,871,667 | 1,561 |
| Average equity | $59,290,000 | 1,436 |
| Average total loans | $263,707,667 | 1,828 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9939% | 3,800 |
| Cost of funding earning assets | 0.5769% | 3,552 |
| Net interest margin | 3.4169% | 3,243 |
| Noninterest income to average assets | 0.4874% | 2,620 |
| Noninterest expense to average assets | 2.1685% | 4,083 |
| Loan and lease loss provision to assets | 0.2534% | 1,224 |
| Net operating income to assets | 1.1624% | 1,650 |
| Return on assets (ROA) | 1.1624% | 1,762 |
| Pretax return on assets | 1.1624% | 2,331 |
| Return on Equity (ROE) | 9.3512% | 1,979 |
| Retained earnings to average equity (ytd only) | -5.1921% | 4,539 |
| Net charge-offs to loans | 1.2819% | 113 |
| Credit loss provision to net charge-offs | 36.6748% | 2,116 |
| Earnings coverage of net charge-offs (x) | 2.0489% | 2,318 |
| Efficiency ratio | 60.1697% | 3,715 |
| Assets per employee ($millions) | 6.1031% | 1,593 |
| Cash dividends to net income (ytd only)* | 155.5233% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 2,548 |
| Loan loss allowance to noncurrent loans | 39.0757% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 2.9684% | 199 |
| Noncurrent loans to loans | 3.1285% | 331 |
| Net loans and leases to total assets | 52.6688% | 4,081 |
| Net loans and leases to deposits | 60.9554% | 4,163 |
| Net loans and leases to core deposits | 65.9529% | 4,086 |
| Total domestic deposits to total assets | 86.4054% | 1,822 |
| Equity capital to assets | 12.6085% | 1,671 |
| Core capital (leverage) ratio | 11.3311% | 2,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2109% | 1,110 |
| Memoranda: | ||
| Average total assets | $473,500,500 | 1,526 |
| Average earning assets | $429,157,500 | 1,561 |
| Average equity | $58,858,500 | 1,438 |
| Average total loans | $255,243,500 | 1,827 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0907% | 4,061 |
| Cost of funding earning assets | 0.5685% | 3,780 |
| Net interest margin | 3.5222% | 3,372 |
| Noninterest income to average assets | 0.6184% | 2,142 |
| Noninterest expense to average assets | 2.2697% | 4,025 |
| Loan and lease loss provision to assets | 0.0749% | 2,496 |
| Net operating income to assets | 1.4510% | 1,185 |
| Return on assets (ROA) | 1.4508% | 1,248 |
| Pretax return on assets | 1.4936% | 1,826 |
| Return on Equity (ROE) | 11.9689% | 1,528 |
| Retained earnings to average equity (ytd only) | 0.5649% | 4,528 |
| Net charge-offs to loans | 0.0596% | 2,252 |
| Credit loss provision to net charge-offs | 225.8065% | 1,184 |
| Earnings coverage of net charge-offs (x) | 47.2968% | 1,172 |
| Efficiency ratio | 58.8137% | 3,864 |
| Assets per employee ($millions) | 5.8870% | 1,723 |
| Cash dividends to net income (ytd only)* | 95.2802% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4108% | 1,488 |
| Loan loss allowance to noncurrent loans | 39.1290% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 2.6830% | 223 |
| Noncurrent loans to loans | 3.6056% | 223 |
| Net loans and leases to total assets | 53.7281% | 4,091 |
| Net loans and leases to deposits | 62.8376% | 4,151 |
| Net loans and leases to core deposits | 67.4616% | 4,108 |
| Total domestic deposits to total assets | 85.5032% | 2,291 |
| Equity capital to assets | 12.2506% | 1,978 |
| Core capital (leverage) ratio | 11.5698% | 2,062 |
| Tier 1 risk-based capital ratio | 17.1595% | 2,005 |
| Total risk-based capital ratio | 18.3179% | 1,970 |
| Memoranda: | ||
| Average total assets | $467,338,400 | 1,502 |
| Average earning assets | $427,235,600 | 1,518 |
| Average equity | $56,647,000 | 1,431 |
| Average total loans | $259,899,000 | 1,778 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0541% | 4,245 |
| Cost of funding earning assets | 0.5637% | 3,849 |
| Net interest margin | 3.4904% | 3,588 |
| Noninterest income to average assets | 0.7046% | 1,766 |
| Noninterest expense to average assets | 2.2391% | 4,096 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6551% | 821 |
| Return on assets (ROA) | 1.6551% | 863 |
| Pretax return on assets | 1.6551% | 1,456 |
| Return on Equity (ROE) | 13.6912% | 1,052 |
| Retained earnings to average equity (ytd only) | 2.3528% | 4,153 |
| Net charge-offs to loans | 0.0215% | 2,676 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 137.8538% | 575 |
| Efficiency ratio | 57.1900% | 4,044 |
| Assets per employee ($millions) | 5.5870% | 1,948 |
| Cash dividends to net income (ytd only)* | 82.8151% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3153% | 1,903 |
| Loan loss allowance to noncurrent loans | 40.9437% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 2.3311% | 321 |
| Noncurrent loans to loans | 3.2125% | 282 |
| Net loans and leases to total assets | 54.1004% | 4,174 |
| Net loans and leases to deposits | 62.5309% | 4,260 |
| Net loans and leases to core deposits | 66.9956% | 4,221 |
| Total domestic deposits to total assets | 86.5179% | 1,763 |
| Equity capital to assets | 12.4665% | 1,939 |
| Core capital (leverage) ratio | 11.7740% | 2,025 |
| Tier 1 risk-based capital ratio | 17.8495% | 1,864 |
| Total risk-based capital ratio | 18.9629% | 1,853 |
| Memoranda: | ||
| Average total assets | $466,433,500 | 1,513 |
| Average earning assets | $426,220,000 | 1,531 |
| Average equity | $56,385,000 | 1,435 |
| Average total loans | $260,709,250 | 1,785 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0540% | 4,268 |
| Cost of funding earning assets | 0.5442% | 3,910 |
| Net interest margin | 3.5099% | 3,567 |
| Noninterest income to average assets | 0.4825% | 2,766 |
| Noninterest expense to average assets | 2.2712% | 4,079 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4149% | 1,391 |
| Return on assets (ROA) | 1.4145% | 1,445 |
| Pretax return on assets | 1.4145% | 2,155 |
| Return on Equity (ROE) | 11.8251% | 1,651 |
| Retained earnings to average equity (ytd only) | -0.2083% | 4,718 |
| Net charge-offs to loans | 0.0260% | 2,338 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 96.8529% | 715 |
| Efficiency ratio | 61.3475% | 3,534 |
| Assets per employee ($millions) | 5.7514% | 1,739 |
| Cash dividends to net income (ytd only)* | 101.7618% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3249% | 1,905 |
| Loan loss allowance to noncurrent loans | 41.7662% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 2.2993% | 350 |
| Noncurrent loans to loans | 3.1722% | 307 |
| Net loans and leases to total assets | 53.5495% | 4,241 |
| Net loans and leases to deposits | 61.6357% | 4,347 |
| Net loans and leases to core deposits | 65.8944% | 4,321 |
| Total domestic deposits to total assets | 86.8807% | 1,649 |
| Equity capital to assets | 12.1505% | 2,076 |
| Core capital (leverage) ratio | 11.3186% | 2,321 |
| Tier 1 risk-based capital ratio | 17.3652% | 1,978 |
| Total risk-based capital ratio | 18.4722% | 1,973 |
| Memoranda: | ||
| Average total assets | $465,476,330 | 1,522 |
| Average earning assets | $424,861,000 | 1,538 |
| Average equity | $55,678,000 | 1,438 |
| Average total loans | $261,852,330 | 1,782 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0389% | 4,285 |
| Cost of funding earning assets | 0.5146% | 3,999 |
| Net interest margin | 3.5243% | 3,521 |
| Noninterest income to average assets | 0.5173% | 2,450 |
| Noninterest expense to average assets | 2.2725% | 4,095 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4559% | 1,214 |
| Return on assets (ROA) | 1.4550% | 1,246 |
| Pretax return on assets | 1.4550% | 1,903 |
| Return on Equity (ROE) | 12.2628% | 1,447 |
| Retained earnings to average equity (ytd only) | -1.2248% | 4,679 |
| Net charge-offs to loans | 0.0302% | 1,850 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 84.1500% | 737 |
| Efficiency ratio | 60.6265% | 3,732 |
| Assets per employee ($millions) | 5.7342% | 1,762 |
| Cash dividends to net income (ytd only)* | 109.9881% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3073% | 2,058 |
| Loan loss allowance to noncurrent loans | 45.5226% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 2.3037% | 369 |
| Noncurrent loans to loans | 2.8717% | 400 |
| Net loans and leases to total assets | 55.3617% | 4,108 |
| Net loans and leases to deposits | 63.5905% | 4,208 |
| Net loans and leases to core deposits | 66.9359% | 4,237 |
| Total domestic deposits to total assets | 87.0598% | 1,781 |
| Equity capital to assets | 11.9444% | 2,054 |
| Core capital (leverage) ratio | 11.5985% | 2,054 |
| Tier 1 risk-based capital ratio | 17.2930% | 2,015 |
| Total risk-based capital ratio | 18.4027% | 2,008 |
| Memoranda: | ||
| Average total assets | $462,405,500 | 1,541 |
| Average earning assets | $421,298,500 | 1,553 |
| Average equity | $54,865,000 | 1,453 |
| Average total loans | $264,808,500 | 1,783 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2519% | 3,270 |
| Cost of funding earning assets | 0.4347% | 3,772 |
| Net interest margin | 3.8172% | 2,606 |
| Noninterest income to average assets | 0.4647% | 3,023 |
| Noninterest expense to average assets | 2.2246% | 4,282 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.7474% | 619 |
| Return on assets (ROA) | 1.7474% | 613 |
| Pretax return on assets | 1.7474% | 1,054 |
| Return on Equity (ROE) | 15.4603% | 730 |
| Retained earnings to average equity (ytd only) | 3.6676% | 3,564 |
| Net charge-offs to loans | 0.0232% | 2,946 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 126.4615% | 628 |
| Efficiency ratio | 55.7078% | 4,444 |
| Assets per employee ($millions) | 5.5463% | 1,914 |
| Cash dividends to net income (ytd only)* | 76.2774% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 2,183 |
| Loan loss allowance to noncurrent loans | 51.8076% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 2.1351% | 426 |
| Noncurrent loans to loans | 2.4569% | 501 |
| Net loans and leases to total assets | 57.7066% | 3,996 |
| Net loans and leases to deposits | 66.1193% | 4,111 |
| Net loans and leases to core deposits | 69.1328% | 4,165 |
| Total domestic deposits to total assets | 87.2765% | 1,651 |
| Equity capital to assets | 11.7851% | 2,042 |
| Core capital (leverage) ratio | 11.6906% | 1,959 |
| Tier 1 risk-based capital ratio | 16.7908% | 2,139 |
| Total risk-based capital ratio | 17.8711% | 2,143 |
| Memoranda: | ||
| Average total assets | $470,415,600 | 1,490 |
| Average earning assets | $432,231,000 | 1,495 |
| Average equity | $53,168,600 | 1,438 |
| Average total loans | $279,754,200 | 1,677 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2540% | 3,136 |
| Cost of funding earning assets | 0.4268% | 3,682 |
| Net interest margin | 3.8272% | 2,541 |
| Noninterest income to average assets | 0.4632% | 3,081 |
| Noninterest expense to average assets | 2.1739% | 4,380 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.8136% | 588 |
| Return on assets (ROA) | 1.8136% | 591 |
| Pretax return on assets | 1.8136% | 983 |
| Return on Equity (ROE) | 16.2145% | 663 |
| Retained earnings to average equity (ytd only) | 4.3681% | 3,573 |
| Net charge-offs to loans | 0.0203% | 2,731 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 149.6096% | 544 |
| Efficiency ratio | 54.2209% | 4,588 |
| Assets per employee ($millions) | 5.4216% | 1,993 |
| Cash dividends to net income (ytd only)* | 73.0608% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2752% | 2,222 |
| Loan loss allowance to noncurrent loans | 33.1889% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 2.4353% | 367 |
| Noncurrent loans to loans | 3.8424% | 231 |
| Net loans and leases to total assets | 57.9228% | 4,052 |
| Net loans and leases to deposits | 66.0670% | 4,193 |
| Net loans and leases to core deposits | 69.2859% | 4,232 |
| Total domestic deposits to total assets | 87.6729% | 1,409 |
| Equity capital to assets | 11.3476% | 2,361 |
| Core capital (leverage) ratio | 11.4556% | 2,211 |
| Tier 1 risk-based capital ratio | 17.0570% | 2,087 |
| Total risk-based capital ratio | 18.1665% | 2,087 |
| Memoranda: | ||
| Average total assets | $472,933,500 | 1,488 |
| Average earning assets | $435,499,000 | 1,496 |
| Average equity | $52,897,750 | 1,454 |
| Average total loans | $282,424,250 | 1,677 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3162% | 2,710 |
| Cost of funding earning assets | 0.4195% | 3,577 |
| Net interest margin | 3.8966% | 2,208 |
| Noninterest income to average assets | 0.4638% | 3,072 |
| Noninterest expense to average assets | 2.1809% | 4,411 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.8739% | 500 |
| Return on assets (ROA) | 1.8739% | 496 |
| Pretax return on assets | 1.8739% | 829 |
| Return on Equity (ROE) | 16.8327% | 546 |
| Retained earnings to average equity (ytd only) | 6.6442% | 2,233 |
| Net charge-offs to loans | 0.0014% | 3,161 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 2,234.5000% | 28 |
| Efficiency ratio | 53.4953% | 4,742 |
| Assets per employee ($millions) | 5.7628% | 1,668 |
| Cash dividends to net income (ytd only)* | 60.5281% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2472% | 2,446 |
| Loan loss allowance to noncurrent loans | 33.7820% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 2.3712% | 382 |
| Noncurrent loans to loans | 3.6920% | 260 |
| Net loans and leases to total assets | 58.4586% | 3,955 |
| Net loans and leases to deposits | 66.5284% | 4,138 |
| Net loans and leases to core deposits | 69.7776% | 4,158 |
| Total domestic deposits to total assets | 87.8701% | 1,446 |
| Equity capital to assets | 11.2214% | 2,437 |
| Core capital (leverage) ratio | 11.2244% | 2,322 |
| Tier 1 risk-based capital ratio | 16.5564% | 2,244 |
| Total risk-based capital ratio | 17.6456% | 2,242 |
| Memoranda: | ||
| Average total assets | $476,965,000 | 1,477 |
| Average earning assets | $439,557,670 | 1,492 |
| Average equity | $53,099,000 | 1,456 |
| Average total loans | $286,439,330 | 1,658 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6417% | 1,460 |
| Cost of funding earning assets | 0.3926% | 3,643 |
| Net interest margin | 4.2491% | 1,054 |
| Noninterest income to average assets | 0.4683% | 3,004 |
| Noninterest expense to average assets | 2.2147% | 4,380 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.1746% | 260 |
| Return on assets (ROA) | 2.1746% | 260 |
| Pretax return on assets | 2.1746% | 399 |
| Return on Equity (ROE) | 19.6104% | 279 |
| Retained earnings to average equity (ytd only) | 8.8454% | 1,522 |
| Net charge-offs to loans | -0.0014% | 3,779 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1902% | 5,071 |
| Assets per employee ($millions) | 6.0301% | 1,493 |
| Cash dividends to net income (ytd only)* | 54.8944% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 2,790 |
| Loan loss allowance to noncurrent loans | 33.7685% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 2.3254% | 428 |
| Noncurrent loans to loans | 3.5615% | 288 |
| Net loans and leases to total assets | 59.4645% | 3,798 |
| Net loans and leases to deposits | 67.4430% | 3,988 |
| Net loans and leases to core deposits | 70.7894% | 4,041 |
| Total domestic deposits to total assets | 88.1700% | 1,525 |
| Equity capital to assets | 10.9950% | 2,586 |
| Core capital (leverage) ratio | 11.1404% | 2,295 |
| Tier 1 risk-based capital ratio | 16.1216% | 2,418 |
| Total risk-based capital ratio | 17.1953% | 2,441 |
| Memoranda: | ||
| Average total assets | $479,171,000 | 1,474 |
| Average earning assets | $442,168,500 | 1,484 |
| Average equity | $53,135,000 | 1,461 |
| Average total loans | $289,790,500 | 1,655 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8492% | 3,882 |
| Cost of funding earning assets | 0.3139% | 4,011 |
| Net interest margin | 3.5354% | 3,403 |
| Noninterest income to average assets | 0.4178% | 3,519 |
| Noninterest expense to average assets | 2.0997% | 4,766 |
| Loan and lease loss provision to assets | 0.0660% | 2,887 |
| Net operating income to assets | 1.5201% | 765 |
| Return on assets (ROA) | 1.5108% | 796 |
| Pretax return on assets | 1.5108% | 1,596 |
| Return on Equity (ROE) | 13.8227% | 785 |
| Retained earnings to average equity (ytd only) | 3.1401% | 3,412 |
| Net charge-offs to loans | 0.0169% | 3,535 |
| Credit loss provision to net charge-offs | 685.1064% | 480 |
| Earnings coverage of net charge-offs (x) | 164.5957% | 448 |
| Efficiency ratio | 56.6557% | 4,697 |
| Assets per employee ($millions) | 5.4705% | 1,968 |
| Cash dividends to net income (ytd only)* | 77.2832% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 2,732 |
| Loan loss allowance to noncurrent loans | 26.0970% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 2.9460% | 275 |
| Noncurrent loans to loans | 4.6251% | 169 |
| Net loans and leases to total assets | 60.0370% | 3,829 |
| Net loans and leases to deposits | 68.2084% | 4,009 |
| Net loans and leases to core deposits | 71.7292% | 4,069 |
| Total domestic deposits to total assets | 88.0200% | 1,490 |
| Equity capital to assets | 11.1841% | 2,444 |
| Core capital (leverage) ratio | 10.8972% | 2,430 |
| Tier 1 risk-based capital ratio | 15.6026% | 2,585 |
| Total risk-based capital ratio | 16.6639% | 2,594 |
| Memoranda: | ||
| Average total assets | $487,744,400 | 1,436 |
| Average earning assets | $450,843,200 | 1,433 |
| Average equity | $53,310,800 | 1,446 |
| Average total loans | $278,654,200 | 1,666 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8179% | 3,945 |
| Cost of funding earning assets | 0.3071% | 4,062 |
| Net interest margin | 3.5108% | 3,467 |
| Noninterest income to average assets | 0.3888% | 3,762 |
| Noninterest expense to average assets | 2.0547% | 4,840 |
| Loan and lease loss provision to assets | 0.0522% | 3,054 |
| Net operating income to assets | 1.5281% | 842 |
| Return on assets (ROA) | 1.5156% | 890 |
| Pretax return on assets | 1.5156% | 1,717 |
| Return on Equity (ROE) | 13.9452% | 844 |
| Retained earnings to average equity (ytd only) | 3.0450% | 4,096 |
| Net charge-offs to loans | 0.0130% | 3,270 |
| Credit loss provision to net charge-offs | 711.1111% | 477 |
| Earnings coverage of net charge-offs (x) | 215.4019% | 400 |
| Efficiency ratio | 56.2117% | 4,715 |
| Assets per employee ($millions) | 5.6943% | 1,726 |
| Cash dividends to net income (ytd only)* | 78.1642% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 3,092 |
| Loan loss allowance to noncurrent loans | 25.6603% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 2.8567% | 329 |
| Noncurrent loans to loans | 4.5580% | 192 |
| Net loans and leases to total assets | 59.0252% | 3,961 |
| Net loans and leases to deposits | 67.1127% | 4,175 |
| Net loans and leases to core deposits | 70.5604% | 4,211 |
| Total domestic deposits to total assets | 87.9494% | 1,390 |
| Equity capital to assets | 11.2374% | 2,631 |
| Core capital (leverage) ratio | 10.6328% | 2,846 |
| Tier 1 risk-based capital ratio | 15.4468% | 2,725 |
| Total risk-based capital ratio | 16.4620% | 2,761 |
| Memoranda: | ||
| Average total assets | $490,697,250 | 1,439 |
| Average earning assets | $453,709,750 | 1,439 |
| Average equity | $53,331,250 | 1,451 |
| Average total loans | $276,011,000 | 1,684 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7859% | 3,940 |
| Cost of funding earning assets | 0.2976% | 4,103 |
| Net interest margin | 3.4882% | 3,451 |
| Noninterest income to average assets | 0.3644% | 3,950 |
| Noninterest expense to average assets | 1.9861% | 5,001 |
| Loan and lease loss provision to assets | 0.0248% | 3,503 |
| Net operating income to assets | 1.5824% | 739 |
| Return on assets (ROA) | 1.5783% | 761 |
| Pretax return on assets | 1.5783% | 1,408 |
| Return on Equity (ROE) | 14.6853% | 710 |
| Retained earnings to average equity (ytd only) | 4.1904% | 3,217 |
| Net charge-offs to loans | 0.0059% | 3,251 |
| Credit loss provision to net charge-offs | 762.5000% | 470 |
| Earnings coverage of net charge-offs (x) | 495.1250% | 170 |
| Efficiency ratio | 54.9571% | 4,927 |
| Assets per employee ($millions) | 5.9220% | 1,511 |
| Cash dividends to net income (ytd only)* | 71.4653% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 3,220 |
| Loan loss allowance to noncurrent loans | 21.0917% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 3.2881% | 257 |
| Noncurrent loans to loans | 5.5203% | 119 |
| Net loans and leases to total assets | 56.4564% | 4,172 |
| Net loans and leases to deposits | 64.0165% | 4,365 |
| Net loans and leases to core deposits | 67.3117% | 4,396 |
| Total domestic deposits to total assets | 88.1904% | 1,358 |
| Equity capital to assets | 11.0660% | 2,739 |
| Core capital (leverage) ratio | 10.4584% | 2,966 |
| Tier 1 risk-based capital ratio | 15.7817% | 2,586 |
| Total risk-based capital ratio | 16.7868% | 2,627 |
| Memoranda: | ||
| Average total assets | $492,924,000 | 1,437 |
| Average earning assets | $456,275,670 | 1,436 |
| Average equity | $52,978,000 | 1,461 |
| Average total loans | $271,657,000 | 1,710 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6959% | 4,131 |
| Cost of funding earning assets | 0.2844% | 4,203 |
| Net interest margin | 3.4115% | 3,620 |
| Noninterest income to average assets | 0.4433% | 3,351 |
| Noninterest expense to average assets | 2.0307% | 4,977 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5712% | 717 |
| Return on assets (ROA) | 1.5720% | 736 |
| Pretax return on assets | 1.5720% | 1,307 |
| Return on Equity (ROE) | 14.8457% | 667 |
| Retained earnings to average equity (ytd only) | 5.4332% | 2,643 |
| Net charge-offs to loans | 0.0090% | 2,661 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 323.1667% | 186 |
| Efficiency ratio | 56.0630% | 4,933 |
| Assets per employee ($millions) | 5.7520% | 1,688 |
| Cash dividends to net income (ytd only)* | 63.4021% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 3,192 |
| Loan loss allowance to noncurrent loans | 19.7977% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 3.3626% | 261 |
| Noncurrent loans to loans | 6.0136% | 115 |
| Net loans and leases to total assets | 53.8565% | 4,347 |
| Net loans and leases to deposits | 60.8123% | 4,511 |
| Net loans and leases to core deposits | 64.3789% | 4,515 |
| Total domestic deposits to total assets | 88.5618% | 1,390 |
| Equity capital to assets | 10.7299% | 2,927 |
| Core capital (leverage) ratio | 10.2744% | 3,152 |
| Tier 1 risk-based capital ratio | 16.0104% | 2,544 |
| Total risk-based capital ratio | 17.0285% | 2,577 |
| Memoranda: | ||
| Average total assets | $493,624,500 | 1,438 |
| Average earning assets | $457,048,500 | 1,438 |
| Average equity | $52,271,000 | 1,475 |
| Average total loans | $267,103,000 | 1,744 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6495% | 4,372 |
| Cost of funding earning assets | 0.2644% | 4,422 |
| Net interest margin | 3.3851% | 3,868 |
| Noninterest income to average assets | 0.3568% | 4,187 |
| Noninterest expense to average assets | 2.0112% | 5,163 |
| Loan and lease loss provision to assets | 0.0326% | 3,700 |
| Net operating income to assets | 1.4734% | 880 |
| Return on assets (ROA) | 1.4743% | 901 |
| Pretax return on assets | 1.4743% | 1,670 |
| Return on Equity (ROE) | 12.4222% | 1,137 |
| Retained earnings to average equity (ytd only) | -0.2929% | 5,350 |
| Net charge-offs to loans | 0.0989% | 2,295 |
| Credit loss provision to net charge-offs | 63.2911% | 3,199 |
| Earnings coverage of net charge-offs (x) | 29.2447% | 1,452 |
| Efficiency ratio | 57.1384% | 4,939 |
| Assets per employee ($millions) | 5.5974% | 1,785 |
| Cash dividends to net income (ytd only)* | 102.3581% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 3,026 |
| Loan loss allowance to noncurrent loans | 21.8108% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 3.0401% | 330 |
| Noncurrent loans to loans | 5.5729% | 125 |
| Net loans and leases to total assets | 53.0612% | 4,520 |
| Net loans and leases to deposits | 59.6980% | 4,694 |
| Net loans and leases to core deposits | 63.5876% | 4,660 |
| Total domestic deposits to total assets | 88.8827% | 1,167 |
| Equity capital to assets | 10.4480% | 3,212 |
| Core capital (leverage) ratio | 10.6629% | 2,704 |
| Tier 1 risk-based capital ratio | 16.1024% | 2,503 |
| Total risk-based capital ratio | 17.1415% | 2,526 |
| Memoranda: | ||
| Average total assets | $460,228,800 | 1,481 |
| Average earning assets | $429,676,200 | 1,473 |
| Average equity | $54,620,000 | 1,410 |
| Average total loans | $239,706,800 | 1,847 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5951% | 4,565 |
| Cost of funding earning assets | 0.2644% | 4,458 |
| Net interest margin | 3.3307% | 4,092 |
| Noninterest income to average assets | 0.3515% | 4,275 |
| Noninterest expense to average assets | 1.9336% | 5,328 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.5343% | 820 |
| Return on assets (ROA) | 1.5355% | 867 |
| Pretax return on assets | 1.5355% | 1,593 |
| Return on Equity (ROE) | 12.5295% | 1,163 |
| Retained earnings to average equity (ytd only) | -1.0299% | 5,497 |
| Net charge-offs to loans | 0.0480% | 2,686 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 61.9389% | 932 |
| Efficiency ratio | 55.7568% | 5,086 |
| Assets per employee ($millions) | 6.0730% | 1,381 |
| Cash dividends to net income (ytd only)* | 108.2198% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3588% | 2,394 |
| Loan loss allowance to noncurrent loans | 21.8712% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 3.2988% | 321 |
| Noncurrent loans to loans | 6.2129% | 109 |
| Net loans and leases to total assets | 51.9971% | 4,658 |
| Net loans and leases to deposits | 59.9717% | 4,764 |
| Net loans and leases to core deposits | 63.8076% | 4,734 |
| Total domestic deposits to total assets | 86.7027% | 2,031 |
| Equity capital to assets | 12.5024% | 1,777 |
| Core capital (leverage) ratio | 11.7091% | 1,881 |
| Tier 1 risk-based capital ratio | 18.6924% | 1,739 |
| Total risk-based capital ratio | 19.8526% | 1,728 |
| Memoranda: | ||
| Average total assets | $452,142,250 | 1,507 |
| Average earning assets | $423,048,500 | 1,490 |
| Average equity | $55,409,000 | 1,394 |
| Average total loans | $233,488,000 | 1,881 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5909% | 4,618 |
| Cost of funding earning assets | 0.2677% | 4,470 |
| Net interest margin | 3.3232% | 4,146 |
| Noninterest income to average assets | 0.3607% | 4,186 |
| Noninterest expense to average assets | 1.8942% | 5,461 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5786% | 759 |
| Return on assets (ROA) | 1.5786% | 801 |
| Pretax return on assets | 1.5786% | 1,426 |
| Return on Equity (ROE) | 12.9683% | 1,038 |
| Retained earnings to average equity (ytd only) | -2.6256% | 5,588 |
| Net charge-offs to loans | 0.0568% | 2,379 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 54.1818% | 940 |
| Efficiency ratio | 54.5443% | 5,269 |
| Assets per employee ($millions) | 6.1036% | 1,334 |
| Cash dividends to net income (ytd only)* | 120.2461% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3938% | 2,320 |
| Loan loss allowance to noncurrent loans | 22.0624% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 3.3168% | 345 |
| Noncurrent loans to loans | 6.3174% | 110 |
| Net loans and leases to total assets | 50.7033% | 4,797 |
| Net loans and leases to deposits | 58.4625% | 4,877 |
| Net loans and leases to core deposits | 62.2415% | 4,869 |
| Total domestic deposits to total assets | 86.7278% | 2,049 |
| Equity capital to assets | 12.5210% | 1,756 |
| Core capital (leverage) ratio | 11.5111% | 1,987 |
| Tier 1 risk-based capital ratio | 18.6012% | 1,777 |
| Total risk-based capital ratio | 19.7688% | 1,762 |
| Memoranda: | ||
| Average total assets | $453,056,330 | 1,514 |
| Average earning assets | $424,295,330 | 1,494 |
| Average equity | $55,150,000 | 1,404 |
| Average total loans | $232,352,670 | 1,894 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5764% | 4,685 |
| Cost of funding earning assets | 0.2690% | 4,513 |
| Net interest margin | 3.3074% | 4,197 |
| Noninterest income to average assets | 0.3764% | 4,017 |
| Noninterest expense to average assets | 1.7781% | 5,674 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6978% | 580 |
| Return on assets (ROA) | 1.6978% | 620 |
| Pretax return on assets | 1.6978% | 1,076 |
| Return on Equity (ROE) | 14.1492% | 805 |
| Retained earnings to average equity (ytd only) | -6.0167% | 5,663 |
| Net charge-offs to loans | -0.0207% | 4,878 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1539% | 5,557 |
| Assets per employee ($millions) | 6.2242% | 1,260 |
| Cash dividends to net income (ytd only)* | 142.5234% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4357% | 2,265 |
| Loan loss allowance to noncurrent loans | 29.7336% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 2.5079% | 588 |
| Noncurrent loans to loans | 4.8285% | 212 |
| Net loans and leases to total assets | 50.0892% | 4,796 |
| Net loans and leases to deposits | 57.3834% | 4,893 |
| Net loans and leases to core deposits | 61.1274% | 4,866 |
| Total domestic deposits to total assets | 87.2888% | 2,057 |
| Equity capital to assets | 12.0258% | 2,022 |
| Core capital (leverage) ratio | 11.4729% | 1,992 |
| Tier 1 risk-based capital ratio | 18.8618% | 1,762 |
| Total risk-based capital ratio | 20.0762% | 1,744 |
| Memoranda: | ||
| Average total assets | $453,751,000 | 1,509 |
| Average earning assets | $425,232,500 | 1,495 |
| Average equity | $54,448,500 | 1,419 |
| Average total loans | $232,405,500 | 1,900 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6872% | 4,408 |
| Cost of funding earning assets | 0.2822% | 4,463 |
| Net interest margin | 3.4050% | 3,893 |
| Noninterest income to average assets | 0.3935% | 4,077 |
| Noninterest expense to average assets | 1.8382% | 5,689 |
| Loan and lease loss provision to assets | 0.1632% | 1,408 |
| Net operating income to assets | 1.5941% | 715 |
| Return on assets (ROA) | 1.5949% | 735 |
| Pretax return on assets | 1.5916% | 1,269 |
| Return on Equity (ROE) | 13.2495% | 1,004 |
| Retained earnings to average equity (ytd only) | 0.2400% | 5,416 |
| Net charge-offs to loans | 0.1372% | 1,984 |
| Credit loss provision to net charge-offs | 243.4211% | 1,174 |
| Earnings coverage of net charge-offs (x) | 26.1579% | 1,600 |
| Efficiency ratio | 51.1728% | 5,689 |
| Assets per employee ($millions) | 6.1235% | 1,304 |
| Cash dividends to net income (ytd only)* | 98.1884% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4121% | 2,367 |
| Loan loss allowance to noncurrent loans | 28.7893% | 5,355 |
| Noncurrent assets plus other real estate owned to assets | 2.5643% | 595 |
| Noncurrent loans to loans | 4.9049% | 199 |
| Net loans and leases to total assets | 50.8908% | 4,789 |
| Net loans and leases to deposits | 58.2868% | 4,897 |
| Net loans and leases to core deposits | 62.1549% | 4,868 |
| Total domestic deposits to total assets | 87.3110% | 1,980 |
| Equity capital to assets | 11.9734% | 1,971 |
| Core capital (leverage) ratio | 11.6429% | 1,857 |
| Tier 1 risk-based capital ratio | 18.7463% | 1,762 |
| Total risk-based capital ratio | 19.9303% | 1,736 |
| Memoranda: | ||
| Average total assets | $453,373,200 | 1,481 |
| Average earning assets | $425,900,600 | 1,463 |
| Average equity | $54,575,600 | 1,369 |
| Average total loans | $221,581,200 | 1,916 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6745% | 4,507 |
| Cost of funding earning assets | 0.2873% | 4,479 |
| Net interest margin | 3.3872% | 4,011 |
| Noninterest income to average assets | 0.4099% | 4,007 |
| Noninterest expense to average assets | 1.7328% | 5,870 |
| Loan and lease loss provision to assets | 0.2176% | 878 |
| Net operating income to assets | 1.6393% | 704 |
| Return on assets (ROA) | 1.6393% | 730 |
| Pretax return on assets | 1.6425% | 1,261 |
| Return on Equity (ROE) | 13.6000% | 983 |
| Retained earnings to average equity (ytd only) | -0.0854% | 5,612 |
| Net charge-offs to loans | 0.1532% | 1,612 |
| Credit loss provision to net charge-offs | 294.8207% | 979 |
| Earnings coverage of net charge-offs (x) | 25.2031% | 1,672 |
| Efficiency ratio | 48.2282% | 5,858 |
| Assets per employee ($millions) | 6.0205% | 1,359 |
| Cash dividends to net income (ytd only)* | 100.6277% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4601% | 2,325 |
| Loan loss allowance to noncurrent loans | 28.7575% | 5,463 |
| Noncurrent assets plus other real estate owned to assets | 2.6129% | 638 |
| Noncurrent loans to loans | 5.0772% | 200 |
| Net loans and leases to total assets | 50.1608% | 4,919 |
| Net loans and leases to deposits | 57.6692% | 5,016 |
| Net loans and leases to core deposits | 61.6592% | 4,966 |
| Total domestic deposits to total assets | 86.9802% | 2,050 |
| Equity capital to assets | 12.2602% | 1,901 |
| Core capital (leverage) ratio | 11.5701% | 1,985 |
| Tier 1 risk-based capital ratio | 18.8519% | 1,805 |
| Total risk-based capital ratio | 20.0653% | 1,790 |
| Memoranda: | ||
| Average total assets | $453,431,750 | 1,485 |
| Average earning assets | $426,098,750 | 1,467 |
| Average equity | $54,655,500 | 1,375 |
| Average total loans | $218,499,250 | 1,942 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5959% | 4,726 |
| Cost of funding earning assets | 0.2899% | 4,509 |
| Net interest margin | 3.3060% | 4,281 |
| Noninterest income to average assets | 0.4347% | 3,815 |
| Noninterest expense to average assets | 1.7535% | 5,920 |
| Loan and lease loss provision to assets | 0.1630% | 1,301 |
| Net operating income to assets | 1.6262% | 712 |
| Return on assets (ROA) | 1.6262% | 745 |
| Pretax return on assets | 1.6280% | 1,256 |
| Return on Equity (ROE) | 13.5683% | 989 |
| Retained earnings to average equity (ytd only) | -2.4182% | 5,865 |
| Net charge-offs to loans | 0.1947% | 1,288 |
| Credit loss provision to net charge-offs | 177.0335% | 1,358 |
| Earnings coverage of net charge-offs (x) | 19.4545% | 1,749 |
| Efficiency ratio | 49.4719% | 5,876 |
| Assets per employee ($millions) | 5.9449% | 1,403 |
| Cash dividends to net income (ytd only)* | 117.8223% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3981% | 2,767 |
| Loan loss allowance to noncurrent loans | 24.9608% | 5,599 |
| Noncurrent assets plus other real estate owned to assets | 2.6717% | 675 |
| Noncurrent loans to loans | 5.6012% | 184 |
| Net loans and leases to total assets | 46.6368% | 5,203 |
| Net loans and leases to deposits | 53.2411% | 5,300 |
| Net loans and leases to core deposits | 57.0170% | 5,255 |
| Total domestic deposits to total assets | 87.5955% | 1,845 |
| Equity capital to assets | 11.6989% | 2,249 |
| Core capital (leverage) ratio | 11.3746% | 2,092 |
| Tier 1 risk-based capital ratio | 19.4661% | 1,678 |
| Total risk-based capital ratio | 20.6108% | 1,675 |
| Memoranda: | ||
| Average total assets | $454,063,670 | 1,497 |
| Average earning assets | $427,102,670 | 1,472 |
| Average equity | $54,421,000 | 1,385 |
| Average total loans | $214,715,670 | 1,976 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5975% | 4,700 |
| Cost of funding earning assets | 0.2943% | 4,506 |
| Net interest margin | 3.3032% | 4,203 |
| Noninterest income to average assets | 0.5068% | 3,246 |
| Noninterest expense to average assets | 1.6213% | 6,093 |
| Loan and lease loss provision to assets | 0.1061% | 1,933 |
| Net operating income to assets | 1.8867% | 414 |
| Return on assets (ROA) | 1.8867% | 438 |
| Pretax return on assets | 1.8867% | 735 |
| Return on Equity (ROE) | 15.5536% | 624 |
| Retained earnings to average equity (ytd only) | -3.6605% | 5,841 |
| Net charge-offs to loans | 0.2020% | 1,125 |
| Credit loss provision to net charge-offs | 111.1111% | 1,503 |
| Earnings coverage of net charge-offs (x) | 20.8611% | 1,397 |
| Efficiency ratio | 44.8605% | 6,148 |
| Assets per employee ($millions) | 5.7877% | 1,563 |
| Cash dividends to net income (ytd only)* | 123.5349% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3382% | 3,199 |
| Loan loss allowance to noncurrent loans | 19.0171% | 5,732 |
| Noncurrent assets plus other real estate owned to assets | 3.3336% | 521 |
| Noncurrent loans to loans | 7.0368% | 124 |
| Net loans and leases to total assets | 46.4239% | 5,173 |
| Net loans and leases to deposits | 53.2345% | 5,251 |
| Net loans and leases to core deposits | 56.9206% | 5,192 |
| Total domestic deposits to total assets | 87.2063% | 2,267 |
| Equity capital to assets | 12.1334% | 1,934 |
| Core capital (leverage) ratio | 11.5448% | 1,963 |
| Tier 1 risk-based capital ratio | 19.3644% | 1,772 |
| Total risk-based capital ratio | 20.4595% | 1,771 |
| Memoranda: | ||
| Average total assets | $452,218,500 | 1,510 |
| Average earning assets | $425,404,500 | 1,486 |
| Average equity | $54,855,500 | 1,384 |
| Average total loans | $213,819,000 | 1,987 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7526% | 4,637 |
| Cost of funding earning assets | 0.3365% | 4,408 |
| Net interest margin | 3.4161% | 4,130 |
| Noninterest income to average assets | 0.3602% | 4,519 |
| Noninterest expense to average assets | 1.7877% | 6,080 |
| Loan and lease loss provision to assets | 0.0267% | 4,072 |
| Net operating income to assets | 1.7817% | 493 |
| Return on assets (ROA) | 1.7942% | 496 |
| Pretax return on assets | 1.7942% | 803 |
| Return on Equity (ROE) | 15.1820% | 750 |
| Retained earnings to average equity (ytd only) | 0.2337% | 5,673 |
| Net charge-offs to loans | 0.1094% | 2,952 |
| Credit loss provision to net charge-offs | 54.2986% | 3,396 |
| Earnings coverage of net charge-offs (x) | 36.7330% | 1,158 |
| Efficiency ratio | 49.7119% | 6,106 |
| Assets per employee ($millions) | 5.8844% | 1,462 |
| Cash dividends to net income (ytd only)* | 98.4604% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 3,174 |
| Loan loss allowance to noncurrent loans | 22.7017% | 5,793 |
| Noncurrent assets plus other real estate owned to assets | 2.8239% | 753 |
| Noncurrent loans to loans | 5.9431% | 197 |
| Net loans and leases to total assets | 46.8750% | 5,261 |
| Net loans and leases to deposits | 53.9790% | 5,330 |
| Net loans and leases to core deposits | 57.7498% | 5,273 |
| Total domestic deposits to total assets | 86.8393% | 2,366 |
| Equity capital to assets | 12.1272% | 1,929 |
| Core capital (leverage) ratio | 11.7180% | 1,813 |
| Tier 1 risk-based capital ratio | 20.8970% | 1,426 |
| Total risk-based capital ratio | 22.0985% | 1,410 |
| Memoranda: | ||
| Average total assets | $448,895,000 | 1,480 |
| Average earning assets | $425,225,600 | 1,441 |
| Average equity | $53,049,600 | 1,379 |
| Average total loans | $201,942,000 | 2,021 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7778% | 4,631 |
| Cost of funding earning assets | 0.3445% | 4,400 |
| Net interest margin | 3.4333% | 4,095 |
| Noninterest income to average assets | 0.3528% | 4,616 |
| Noninterest expense to average assets | 1.7499% | 6,155 |
| Loan and lease loss provision to assets | 0.0148% | 4,118 |
| Net operating income to assets | 1.8466% | 468 |
| Return on assets (ROA) | 1.8528% | 476 |
| Pretax return on assets | 1.8528% | 797 |
| Return on Equity (ROE) | 15.7812% | 702 |
| Retained earnings to average equity (ytd only) | 0.0480% | 5,782 |
| Net charge-offs to loans | 0.0134% | 4,285 |
| Credit loss provision to net charge-offs | 250.0000% | 1,043 |
| Earnings coverage of net charge-offs (x) | 313.6029% | 224 |
| Efficiency ratio | 48.4552% | 6,177 |
| Assets per employee ($millions) | 5.6857% | 1,572 |
| Cash dividends to net income (ytd only)* | 99.6956% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4953% | 2,743 |
| Loan loss allowance to noncurrent loans | 24.3029% | 5,862 |
| Noncurrent assets plus other real estate owned to assets | 2.7464% | 904 |
| Noncurrent loans to loans | 6.1526% | 223 |
| Net loans and leases to total assets | 43.9708% | 5,522 |
| Net loans and leases to deposits | 50.3026% | 5,633 |
| Net loans and leases to core deposits | 53.8353% | 5,579 |
| Total domestic deposits to total assets | 87.4125% | 2,083 |
| Equity capital to assets | 11.9069% | 2,145 |
| Core capital (leverage) ratio | 11.6230% | 1,962 |
| Tier 1 risk-based capital ratio | 21.7700% | 1,296 |
| Total risk-based capital ratio | 23.0205% | 1,278 |
| Memoranda: | ||
| Average total assets | $449,316,000 | 1,488 |
| Average earning assets | $426,441,750 | 1,449 |
| Average equity | $52,753,500 | 1,395 |
| Average total loans | $199,303,250 | 2,055 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7818% | 4,590 |
| Cost of funding earning assets | 0.3531% | 4,403 |
| Net interest margin | 3.4287% | 4,064 |
| Noninterest income to average assets | 0.3423% | 4,686 |
| Noninterest expense to average assets | 1.7812% | 6,173 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.8239% | 470 |
| Return on assets (ROA) | 1.8239% | 483 |
| Pretax return on assets | 1.8239% | 807 |
| Return on Equity (ROE) | 15.6083% | 696 |
| Retained earnings to average equity (ytd only) | -1.7596% | 5,959 |
| Net charge-offs to loans | -0.0020% | 5,058 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4074% | 6,204 |
| Assets per employee ($millions) | 6.0421% | 1,253 |
| Cash dividends to net income (ytd only)* | 111.2738% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4700% | 3,026 |
| Loan loss allowance to noncurrent loans | 23.7962% | 5,928 |
| Noncurrent assets plus other real estate owned to assets | 2.7789% | 945 |
| Noncurrent loans to loans | 6.1776% | 246 |
| Net loans and leases to total assets | 43.9291% | 5,535 |
| Net loans and leases to deposits | 50.2261% | 5,620 |
| Net loans and leases to core deposits | 53.7873% | 5,567 |
| Total domestic deposits to total assets | 87.4628% | 2,213 |
| Equity capital to assets | 11.8946% | 2,068 |
| Core capital (leverage) ratio | 11.4622% | 2,037 |
| Tier 1 risk-based capital ratio | 21.6669% | 1,317 |
| Total risk-based capital ratio | 22.9175% | 1,294 |
| Memoranda: | ||
| Average total assets | $449,365,000 | 1,484 |
| Average earning assets | $427,627,670 | 1,446 |
| Average equity | $52,510,670 | 1,387 |
| Average total loans | $198,904,000 | 2,058 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7351% | 4,725 |
| Cost of funding earning assets | 0.3653% | 4,374 |
| Net interest margin | 3.3698% | 4,258 |
| Noninterest income to average assets | 0.3522% | 4,557 |
| Noninterest expense to average assets | 1.7253% | 6,315 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8343% | 455 |
| Return on assets (ROA) | 1.8343% | 476 |
| Pretax return on assets | 1.8343% | 761 |
| Return on Equity (ROE) | 15.8408% | 655 |
| Retained earnings to average equity (ytd only) | -6.6235% | 6,217 |
| Net charge-offs to loans | 0.0081% | 3,472 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 513.0000% | 73 |
| Efficiency ratio | 48.4681% | 6,337 |
| Assets per employee ($millions) | 5.4368% | 1,765 |
| Cash dividends to net income (ytd only)* | 141.8129% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4686% | 3,291 |
| Loan loss allowance to noncurrent loans | 23.7443% | 5,997 |
| Noncurrent assets plus other real estate owned to assets | 2.7853% | 1,074 |
| Noncurrent loans to loans | 6.1852% | 289 |
| Net loans and leases to total assets | 44.0669% | 5,507 |
| Net loans and leases to deposits | 50.1655% | 5,586 |
| Net loans and leases to core deposits | 53.8545% | 5,509 |
| Total domestic deposits to total assets | 87.8431% | 2,316 |
| Equity capital to assets | 11.5597% | 2,197 |
| Core capital (leverage) ratio | 11.4799% | 1,977 |
| Tier 1 risk-based capital ratio | 22.4416% | 1,219 |
| Total risk-based capital ratio | 23.6931% | 1,194 |
| Memoranda: | ||
| Average total assets | $447,469,000 | 1,497 |
| Average earning assets | $425,901,500 | 1,457 |
| Average equity | $51,815,500 | 1,398 |
| Average total loans | $197,337,000 | 2,077 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6814% | 5,190 |
| Cost of funding earning assets | 0.4314% | 4,303 |
| Net interest margin | 3.2500% | 4,838 |
| Noninterest income to average assets | 0.3473% | 4,838 |
| Noninterest expense to average assets | 1.7516% | 6,387 |
| Loan and lease loss provision to assets | 0.0239% | 4,648 |
| Net operating income to assets | 1.6659% | 617 |
| Return on assets (ROA) | 1.6482% | 647 |
| Pretax return on assets | 1.6482% | 1,057 |
| Return on Equity (ROE) | 13.6192% | 1,036 |
| Retained earnings to average equity (ytd only) | 2.6928% | 4,322 |
| Net charge-offs to loans | 0.0184% | 5,074 |
| Credit loss provision to net charge-offs | 300.0000% | 758 |
| Earnings coverage of net charge-offs (x) | 212.4444% | 212 |
| Efficiency ratio | 50.8988% | 6,364 |
| Assets per employee ($millions) | 5.4775% | 1,669 |
| Cash dividends to net income (ytd only)* | 80.2279% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5390% | 3,010 |
| Loan loss allowance to noncurrent loans | 19.4840% | 6,182 |
| Noncurrent assets plus other real estate owned to assets | 3.4525% | 858 |
| Noncurrent loans to loans | 7.8987% | 200 |
| Net loans and leases to total assets | 42.7981% | 5,768 |
| Net loans and leases to deposits | 48.7246% | 5,847 |
| Net loans and leases to core deposits | 53.0353% | 5,729 |
| Total domestic deposits to total assets | 87.8368% | 2,281 |
| Equity capital to assets | 11.6000% | 2,096 |
| Core capital (leverage) ratio | 11.7876% | 1,769 |
| Tier 1 risk-based capital ratio | 23.6688% | 993 |
| Total risk-based capital ratio | 24.9206% | 976 |
| Memoranda: | ||
| Average total assets | $452,612,400 | 1,470 |
| Average earning assets | $430,891,400 | 1,414 |
| Average equity | $54,775,600 | 1,303 |
| Average total loans | $195,173,000 | 2,046 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6690% | 5,256 |
| Cost of funding earning assets | 0.4405% | 4,376 |
| Net interest margin | 3.2285% | 4,907 |
| Noninterest income to average assets | 0.3582% | 4,828 |
| Noninterest expense to average assets | 1.7239% | 6,443 |
| Loan and lease loss provision to assets | 0.0317% | 4,374 |
| Net operating income to assets | 1.6773% | 642 |
| Return on assets (ROA) | 1.6539% | 709 |
| Pretax return on assets | 1.6539% | 1,201 |
| Return on Equity (ROE) | 13.5290% | 1,117 |
| Retained earnings to average equity (ytd only) | 2.6185% | 4,758 |
| Net charge-offs to loans | 0.0075% | 5,019 |
| Credit loss provision to net charge-offs | 981.8182% | 319 |
| Earnings coverage of net charge-offs (x) | 529.8664% | 111 |
| Efficiency ratio | 50.2177% | 6,386 |
| Assets per employee ($millions) | 5.5789% | 1,556 |
| Cash dividends to net income (ytd only)* | 80.6452% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5124% | 3,405 |
| Loan loss allowance to noncurrent loans | 24.8588% | 6,140 |
| Noncurrent assets plus other real estate owned to assets | 2.6977% | 1,398 |
| Noncurrent loans to loans | 6.0840% | 414 |
| Net loans and leases to total assets | 43.6696% | 5,752 |
| Net loans and leases to deposits | 49.8934% | 5,841 |
| Net loans and leases to core deposits | 54.4495% | 5,732 |
| Total domestic deposits to total assets | 87.5258% | 2,401 |
| Equity capital to assets | 11.8675% | 2,002 |
| Core capital (leverage) ratio | 11.6505% | 1,916 |
| Tier 1 risk-based capital ratio | 23.1359% | 1,120 |
| Total risk-based capital ratio | 24.3877% | 1,103 |
| Memoranda: | ||
| Average total assets | $454,845,250 | 1,468 |
| Average earning assets | $433,172,000 | 1,411 |
| Average equity | $55,602,750 | 1,291 |
| Average total loans | $195,752,500 | 2,045 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6435% | 5,314 |
| Cost of funding earning assets | 0.4449% | 4,487 |
| Net interest margin | 3.1986% | 4,952 |
| Noninterest income to average assets | 0.3596% | 4,817 |
| Noninterest expense to average assets | 1.6863% | 6,508 |
| Loan and lease loss provision to assets | 0.0472% | 4,029 |
| Net operating income to assets | 1.6767% | 652 |
| Return on assets (ROA) | 1.6767% | 712 |
| Pretax return on assets | 1.6767% | 1,168 |
| Return on Equity (ROE) | 13.5867% | 1,107 |
| Retained earnings to average equity (ytd only) | 3.0877% | 4,353 |
| Net charge-offs to loans | 0.0031% | 4,860 |
| Credit loss provision to net charge-offs | 3,600.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 1,315.0000% | 23 |
| Efficiency ratio | 49.4490% | 6,459 |
| Assets per employee ($millions) | 5.4395% | 1,644 |
| Cash dividends to net income (ytd only)* | 77.2739% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4834% | 3,658 |
| Loan loss allowance to noncurrent loans | 22.8839% | 6,238 |
| Noncurrent assets plus other real estate owned to assets | 2.9047% | 1,408 |
| Noncurrent loans to loans | 6.4821% | 402 |
| Net loans and leases to total assets | 44.1458% | 5,728 |
| Net loans and leases to deposits | 50.1939% | 5,823 |
| Net loans and leases to core deposits | 54.6188% | 5,706 |
| Total domestic deposits to total assets | 87.9505% | 2,280 |
| Equity capital to assets | 11.5037% | 2,290 |
| Core capital (leverage) ratio | 11.3502% | 2,059 |
| Tier 1 risk-based capital ratio | 22.6943% | 1,186 |
| Total risk-based capital ratio | 23.9457% | 1,160 |
| Memoranda: | ||
| Average total assets | $457,689,330 | 1,457 |
| Average earning assets | $436,499,670 | 1,401 |
| Average equity | $56,481,670 | 1,278 |
| Average total loans | $195,038,000 | 2,052 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4890% | 5,730 |
| Cost of funding earning assets | 0.4516% | 4,579 |
| Net interest margin | 3.0374% | 5,467 |
| Noninterest income to average assets | 0.3785% | 4,634 |
| Noninterest expense to average assets | 1.6884% | 6,571 |
| Loan and lease loss provision to assets | -0.0278% | 6,763 |
| Net operating income to assets | 1.6137% | 686 |
| Return on assets (ROA) | 1.6137% | 747 |
| Pretax return on assets | 1.6137% | 1,276 |
| Return on Equity (ROE) | 12.6562% | 1,252 |
| Retained earnings to average equity (ytd only) | 2.4441% | 4,803 |
| Net charge-offs to loans | 0.0188% | 3,785 |
| Credit loss provision to net charge-offs | -355.5556% | 5,386 |
| Earnings coverage of net charge-offs (x) | 203.0000% | 198 |
| Efficiency ratio | 51.5642% | 6,404 |
| Assets per employee ($millions) | 5.4732% | 1,690 |
| Cash dividends to net income (ytd only)* | 80.6885% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4961% | 3,844 |
| Loan loss allowance to noncurrent loans | 22.5799% | 6,277 |
| Noncurrent assets plus other real estate owned to assets | 2.7179% | 1,669 |
| Noncurrent loans to loans | 6.6260% | 477 |
| Net loans and leases to total assets | 40.4044% | 5,966 |
| Net loans and leases to deposits | 46.4669% | 6,027 |
| Net loans and leases to core deposits | 50.4828% | 5,938 |
| Total domestic deposits to total assets | 86.9530% | 2,989 |
| Equity capital to assets | 12.5378% | 1,691 |
| Core capital (leverage) ratio | 11.3190% | 2,005 |
| Tier 1 risk-based capital ratio | 23.3785% | 1,097 |
| Total risk-based capital ratio | 24.6300% | 1,081 |
| Memoranda: | ||
| Average total assets | $460,793,500 | 1,456 |
| Average earning assets | $439,324,000 | 1,407 |
| Average equity | $58,754,000 | 1,246 |
| Average total loans | $191,401,500 | 2,093 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8006% | 5,818 |
| Cost of funding earning assets | 0.5472% | 4,840 |
| Net interest margin | 3.2534% | 5,419 |
| Noninterest income to average assets | 0.3385% | 5,037 |
| Noninterest expense to average assets | 1.6353% | 6,773 |
| Loan and lease loss provision to assets | 0.0952% | 4,474 |
| Net operating income to assets | 1.6996% | 618 |
| Return on assets (ROA) | 1.6996% | 698 |
| Pretax return on assets | 1.7090% | 1,116 |
| Return on Equity (ROE) | 13.3164% | 1,150 |
| Retained earnings to average equity (ytd only) | -0.1965% | 5,884 |
| Net charge-offs to loans | 0.0672% | 5,008 |
| Credit loss provision to net charge-offs | 341.5385% | 717 |
| Earnings coverage of net charge-offs (x) | 64.7385% | 555 |
| Efficiency ratio | 47.5443% | 6,730 |
| Assets per employee ($millions) | 5.7768% | 1,443 |
| Cash dividends to net income (ytd only)* | 101.4758% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5085% | 3,713 |
| Loan loss allowance to noncurrent loans | 24.7564% | 6,258 |
| Noncurrent assets plus other real estate owned to assets | 2.5633% | 1,897 |
| Noncurrent loans to loans | 6.0934% | 584 |
| Net loans and leases to total assets | 41.4321% | 6,053 |
| Net loans and leases to deposits | 47.8534% | 6,116 |
| Net loans and leases to core deposits | 52.2298% | 6,001 |
| Total domestic deposits to total assets | 86.5814% | 3,052 |
| Equity capital to assets | 12.9676% | 1,466 |
| Core capital (leverage) ratio | 11.2716% | 2,039 |
| Tier 1 risk-based capital ratio | 23.0394% | 1,111 |
| Total risk-based capital ratio | 24.2909% | 1,090 |
| Memoranda: | ||
| Average total assets | $466,470,800 | 1,418 |
| Average earning assets | $444,609,600 | 1,360 |
| Average equity | $59,535,600 | 1,194 |
| Average total loans | $193,329,800 | 2,065 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8400% | 5,924 |
| Cost of funding earning assets | 0.5635% | 4,971 |
| Net interest margin | 3.2765% | 5,465 |
| Noninterest income to average assets | 0.3357% | 5,112 |
| Noninterest expense to average assets | 1.6156% | 6,864 |
| Loan and lease loss provision to assets | 0.1322% | 3,895 |
| Net operating income to assets | 1.7103% | 670 |
| Return on assets (ROA) | 1.7103% | 744 |
| Pretax return on assets | 1.7120% | 1,233 |
| Return on Equity (ROE) | 13.4527% | 1,237 |
| Retained earnings to average equity (ytd only) | 1.5005% | 5,585 |
| Net charge-offs to loans | 0.0771% | 4,636 |
| Credit loss provision to net charge-offs | 415.1786% | 647 |
| Earnings coverage of net charge-offs (x) | 57.9195% | 671 |
| Efficiency ratio | 46.6968% | 6,785 |
| Assets per employee ($millions) | 5.8796% | 1,320 |
| Cash dividends to net income (ytd only)* | 88.8465% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5021% | 3,941 |
| Loan loss allowance to noncurrent loans | 25.1931% | 6,337 |
| Noncurrent assets plus other real estate owned to assets | 2.5981% | 2,032 |
| Noncurrent loans to loans | 5.9624% | 687 |
| Net loans and leases to total assets | 41.4340% | 6,169 |
| Net loans and leases to deposits | 48.5709% | 6,228 |
| Net loans and leases to core deposits | 53.0776% | 6,112 |
| Total domestic deposits to total assets | 85.3061% | 3,613 |
| Equity capital to assets | 13.3627% | 1,405 |
| Core capital (leverage) ratio | 11.2099% | 2,205 |
| Tier 1 risk-based capital ratio | 23.0679% | 1,165 |
| Total risk-based capital ratio | 24.3193% | 1,139 |
| Memoranda: | ||
| Average total assets | $468,996,500 | 1,426 |
| Average earning assets | $447,170,750 | 1,375 |
| Average equity | $59,624,500 | 1,199 |
| Average total loans | $193,667,500 | 2,089 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8736% | 5,978 |
| Cost of funding earning assets | 0.5806% | 5,071 |
| Net interest margin | 3.2930% | 5,455 |
| Noninterest income to average assets | 0.3294% | 5,192 |
| Noninterest expense to average assets | 1.6098% | 6,914 |
| Loan and lease loss provision to assets | 0.1063% | 4,196 |
| Net operating income to assets | 1.7547% | 610 |
| Return on assets (ROA) | 1.7547% | 683 |
| Pretax return on assets | 1.7547% | 1,128 |
| Return on Equity (ROE) | 14.0384% | 1,108 |
| Retained earnings to average equity (ytd only) | 0.4863% | 5,875 |
| Net charge-offs to loans | 0.1108% | 4,071 |
| Credit loss provision to net charge-offs | 233.6449% | 1,218 |
| Earnings coverage of net charge-offs (x) | 40.9159% | 856 |
| Efficiency ratio | 46.3809% | 6,869 |
| Assets per employee ($millions) | 5.7780% | 1,393 |
| Cash dividends to net income (ytd only)* | 96.5359% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4160% | 4,399 |
| Loan loss allowance to noncurrent loans | 32.2676% | 6,051 |
| Noncurrent assets plus other real estate owned to assets | 1.8706% | 2,945 |
| Noncurrent loans to loans | 4.3882% | 1,221 |
| Net loans and leases to total assets | 40.0429% | 6,334 |
| Net loans and leases to deposits | 46.0383% | 6,435 |
| Net loans and leases to core deposits | 50.0763% | 6,338 |
| Total domestic deposits to total assets | 86.9774% | 2,777 |
| Equity capital to assets | 12.5652% | 1,774 |
| Core capital (leverage) ratio | 10.7644% | 2,521 |
| Tier 1 risk-based capital ratio | 23.0829% | 1,117 |
| Total risk-based capital ratio | 24.3331% | 1,102 |
| Memoranda: | ||
| Average total assets | $470,500,000 | 1,425 |
| Average earning assets | $448,829,000 | 1,378 |
| Average equity | $58,810,000 | 1,209 |
| Average total loans | $193,093,330 | 2,087 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9426% | 5,917 |
| Cost of funding earning assets | 0.6083% | 5,064 |
| Net interest margin | 3.3343% | 5,351 |
| Noninterest income to average assets | 0.3848% | 4,787 |
| Noninterest expense to average assets | 1.5374% | 7,026 |
| Loan and lease loss provision to assets | 0.0512% | 4,772 |
| Net operating income to assets | 1.9759% | 438 |
| Return on assets (ROA) | 1.9759% | 505 |
| Pretax return on assets | 1.9759% | 767 |
| Return on Equity (ROE) | 15.8500% | 826 |
| Retained earnings to average equity (ytd only) | 0.5201% | 5,833 |
| Net charge-offs to loans | 0.2171% | 2,840 |
| Credit loss provision to net charge-offs | 57.1429% | 3,167 |
| Earnings coverage of net charge-offs (x) | 22.6286% | 1,118 |
| Efficiency ratio | 43.1307% | 7,025 |
| Assets per employee ($millions) | 6.1100% | 1,212 |
| Cash dividends to net income (ytd only)* | 96.7185% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3118% | 4,969 |
| Loan loss allowance to noncurrent loans | 29.2618% | 6,211 |
| Noncurrent assets plus other real estate owned to assets | 1.9291% | 3,004 |
| Noncurrent loans to loans | 4.4831% | 1,307 |
| Net loans and leases to total assets | 40.0467% | 6,348 |
| Net loans and leases to deposits | 45.8762% | 6,439 |
| Net loans and leases to core deposits | 49.8135% | 6,359 |
| Total domestic deposits to total assets | 87.2931% | 2,773 |
| Equity capital to assets | 12.3013% | 1,851 |
| Core capital (leverage) ratio | 10.9018% | 2,344 |
| Tier 1 risk-based capital ratio | 23.2305% | 1,106 |
| Total risk-based capital ratio | 24.3938% | 1,094 |
| Memoranda: | ||
| Average total assets | $468,850,500 | 1,431 |
| Average earning assets | $447,117,000 | 1,381 |
| Average equity | $58,448,000 | 1,217 |
| Average total loans | $193,416,000 | 2,097 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4889% | 5,122 |
| Cost of funding earning assets | 0.7646% | 5,102 |
| Net interest margin | 3.7242% | 4,180 |
| Noninterest income to average assets | 0.3749% | 4,829 |
| Noninterest expense to average assets | 1.7111% | 7,044 |
| Loan and lease loss provision to assets | 0.0661% | 5,785 |
| Net operating income to assets | 2.1359% | 250 |
| Return on assets (ROA) | 2.1308% | 271 |
| Pretax return on assets | 2.1427% | 413 |
| Return on Equity (ROE) | 17.0629% | 468 |
| Retained earnings to average equity (ytd only) | 1.8086% | 4,924 |
| Net charge-offs to loans | 0.1912% | 4,613 |
| Credit loss provision to net charge-offs | 81.5013% | 4,387 |
| Earnings coverage of net charge-offs (x) | 27.2815% | 916 |
| Efficiency ratio | 43.5920% | 7,135 |
| Assets per employee ($millions) | 5.9118% | 1,297 |
| Cash dividends to net income (ytd only)* | 89.4006% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3348% | 4,731 |
| Loan loss allowance to noncurrent loans | 29.1356% | 6,251 |
| Noncurrent assets plus other real estate owned to assets | 2.0398% | 2,908 |
| Noncurrent loans to loans | 4.5813% | 1,301 |
| Net loans and leases to total assets | 41.3901% | 6,431 |
| Net loans and leases to deposits | 47.5905% | 6,525 |
| Net loans and leases to core deposits | 51.7416% | 6,439 |
| Total domestic deposits to total assets | 86.9712% | 2,777 |
| Equity capital to assets | 12.6367% | 1,715 |
| Core capital (leverage) ratio | 10.9897% | 2,274 |
| Tier 1 risk-based capital ratio | 23.2120% | 1,077 |
| Total risk-based capital ratio | 24.4214% | 1,063 |
| Memoranda: | ||
| Average total assets | $459,600,200 | 1,429 |
| Average earning assets | $438,128,600 | 1,384 |
| Average equity | $57,393,400 | 1,186 |
| Average total loans | $195,052,400 | 2,081 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5569% | 5,055 |
| Cost of funding earning assets | 0.7905% | 5,211 |
| Net interest margin | 3.7664% | 4,029 |
| Noninterest income to average assets | 0.4024% | 4,649 |
| Noninterest expense to average assets | 1.7194% | 7,075 |
| Loan and lease loss provision to assets | 0.0209% | 6,181 |
| Net operating income to assets | 2.2358% | 244 |
| Return on assets (ROA) | 2.2289% | 263 |
| Pretax return on assets | 2.2449% | 398 |
| Return on Equity (ROE) | 17.9027% | 466 |
| Retained earnings to average equity (ytd only) | 2.8264% | 4,664 |
| Net charge-offs to loans | 0.0075% | 6,060 |
| Credit loss provision to net charge-offs | 654.5455% | 413 |
| Earnings coverage of net charge-offs (x) | 711.4567% | 47 |
| Efficiency ratio | 43.0691% | 7,174 |
| Assets per employee ($millions) | 5.6274% | 1,484 |
| Cash dividends to net income (ytd only)* | 84.2126% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4171% | 4,480 |
| Loan loss allowance to noncurrent loans | 34.3683% | 6,004 |
| Noncurrent assets plus other real estate owned to assets | 1.8059% | 3,386 |
| Noncurrent loans to loans | 4.1232% | 1,602 |
| Net loans and leases to total assets | 40.3937% | 6,601 |
| Net loans and leases to deposits | 46.6021% | 6,712 |
| Net loans and leases to core deposits | 50.4861% | 6,649 |
| Total domestic deposits to total assets | 86.6779% | 2,838 |
| Equity capital to assets | 12.8821% | 1,672 |
| Core capital (leverage) ratio | 11.0701% | 2,333 |
| Tier 1 risk-based capital ratio | 23.5375% | 1,065 |
| Total risk-based capital ratio | 24.7877% | 1,049 |
| Memoranda: | ||
| Average total assets | $459,220,750 | 1,443 |
| Average earning assets | $437,683,250 | 1,395 |
| Average equity | $57,174,250 | 1,186 |
| Average total loans | $195,455,750 | 2,102 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5958% | 4,978 |
| Cost of funding earning assets | 0.8185% | 5,256 |
| Net interest margin | 3.7773% | 3,900 |
| Noninterest income to average assets | 0.4069% | 4,625 |
| Noninterest expense to average assets | 1.7630% | 7,120 |
| Loan and lease loss provision to assets | 0.0315% | 5,918 |
| Net operating income to assets | 2.1865% | 266 |
| Return on assets (ROA) | 2.1761% | 279 |
| Pretax return on assets | 2.2002% | 409 |
| Return on Equity (ROE) | 17.6873% | 491 |
| Retained earnings to average equity (ytd only) | 2.1824% | 4,898 |
| Net charge-offs to loans | 0.0224% | 5,525 |
| Credit loss provision to net charge-offs | 327.2727% | 932 |
| Earnings coverage of net charge-offs (x) | 232.6818% | 157 |
| Efficiency ratio | 44.0179% | 7,233 |
| Assets per employee ($millions) | 5.4379% | 1,619 |
| Cash dividends to net income (ytd only)* | 87.6610% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3732% | 4,712 |
| Loan loss allowance to noncurrent loans | 35.7891% | 5,922 |
| Noncurrent assets plus other real estate owned to assets | 1.7505% | 3,571 |
| Noncurrent loans to loans | 3.8370% | 1,809 |
| Net loans and leases to total assets | 41.9685% | 6,594 |
| Net loans and leases to deposits | 48.2920% | 6,710 |
| Net loans and leases to core deposits | 52.2243% | 6,651 |
| Total domestic deposits to total assets | 86.9056% | 2,797 |
| Equity capital to assets | 12.6877% | 1,688 |
| Core capital (leverage) ratio | 10.9583% | 2,288 |
| Tier 1 risk-based capital ratio | 22.9174% | 1,131 |
| Total risk-based capital ratio | 24.1636% | 1,115 |
| Memoranda: | ||
| Average total assets | $456,602,670 | 1,460 |
| Average earning assets | $434,966,000 | 1,412 |
| Average equity | $56,176,000 | 1,192 |
| Average total loans | $196,814,000 | 2,114 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5707% | 5,077 |
| Cost of funding earning assets | 0.8310% | 5,385 |
| Net interest margin | 3.7397% | 3,893 |
| Noninterest income to average assets | 0.4187% | 4,553 |
| Noninterest expense to average assets | 1.7708% | 7,168 |
| Loan and lease loss provision to assets | 0.0194% | 5,705 |
| Net operating income to assets | 2.1543% | 279 |
| Return on assets (ROA) | 2.1543% | 287 |
| Pretax return on assets | 2.1904% | 407 |
| Return on Equity (ROE) | 17.7935% | 496 |
| Retained earnings to average equity (ytd only) | 1.5944% | 5,158 |
| Net charge-offs to loans | -0.0264% | 6,666 |
| Credit loss provision to net charge-offs | -169.2308% | 5,800 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4863% | 7,267 |
| Assets per employee ($millions) | 5.3494% | 1,719 |
| Cash dividends to net income (ytd only)* | 91.0393% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3655% | 4,827 |
| Loan loss allowance to noncurrent loans | 41.7405% | 5,520 |
| Noncurrent assets plus other real estate owned to assets | 1.5170% | 3,977 |
| Noncurrent loans to loans | 3.2713% | 2,296 |
| Net loans and leases to total assets | 42.1746% | 6,604 |
| Net loans and leases to deposits | 48.0921% | 6,751 |
| Net loans and leases to core deposits | 51.6204% | 6,702 |
| Total domestic deposits to total assets | 87.6953% | 2,558 |
| Equity capital to assets | 11.9256% | 1,962 |
| Core capital (leverage) ratio | 11.0358% | 2,162 |
| Tier 1 risk-based capital ratio | 22.5185% | 1,144 |
| Total risk-based capital ratio | 23.7683% | 1,123 |
| Memoranda: | ||
| Average total assets | $453,793,500 | 1,481 |
| Average earning assets | $432,227,000 | 1,424 |
| Average equity | $54,941,500 | 1,211 |
| Average total loans | $196,877,000 | 2,135 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9779% | 4,662 |
| Cost of funding earning assets | 0.9559% | 5,906 |
| Net interest margin | 4.0221% | 2,918 |
| Noninterest income to average assets | 0.4774% | 4,333 |
| Noninterest expense to average assets | 1.7831% | 7,280 |
| Loan and lease loss provision to assets | 0.1014% | 6,131 |
| Net operating income to assets | 2.4118% | 128 |
| Return on assets (ROA) | 2.3640% | 148 |
| Pretax return on assets | 2.3699% | 226 |
| Return on Equity (ROE) | 18.3629% | 354 |
| Retained earnings to average equity (ytd only) | 1.4674% | 4,799 |
| Net charge-offs to loans | 0.1225% | 5,664 |
| Credit loss provision to net charge-offs | 179.4355% | 1,840 |
| Earnings coverage of net charge-offs (x) | 44.5766% | 522 |
| Efficiency ratio | 41.4460% | 7,481 |
| Assets per employee ($millions) | 5.3279% | 1,730 |
| Cash dividends to net income (ytd only)* | 92.0089% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3454% | 4,780 |
| Loan loss allowance to noncurrent loans | 41.0944% | 5,563 |
| Noncurrent assets plus other real estate owned to assets | 1.5630% | 3,958 |
| Noncurrent loans to loans | 3.2739% | 2,320 |
| Net loans and leases to total assets | 43.4361% | 6,757 |
| Net loans and leases to deposits | 49.7138% | 6,868 |
| Net loans and leases to core deposits | 53.3099% | 6,844 |
| Total domestic deposits to total assets | 87.3724% | 2,627 |
| Equity capital to assets | 12.2938% | 1,750 |
| Core capital (leverage) ratio | 11.1406% | 2,055 |
| Tier 1 risk-based capital ratio | 22.6612% | 1,083 |
| Total risk-based capital ratio | 23.8841% | 1,068 |
| Memoranda: | ||
| Average total assets | $438,838,800 | 1,520 |
| Average earning assets | $417,323,200 | 1,450 |
| Average equity | $56,494,200 | 1,173 |
| Average total loans | $202,437,400 | 2,135 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0380% | 4,635 |
| Cost of funding earning assets | 0.9796% | 6,038 |
| Net interest margin | 4.0584% | 2,821 |
| Noninterest income to average assets | 0.4586% | 4,497 |
| Noninterest expense to average assets | 1.7429% | 7,397 |
| Loan and lease loss provision to assets | 0.1114% | 5,913 |
| Net operating income to assets | 2.4546% | 147 |
| Return on assets (ROA) | 2.4546% | 153 |
| Pretax return on assets | 2.4626% | 243 |
| Return on Equity (ROE) | 18.8496% | 397 |
| Retained earnings to average equity (ytd only) | 2.6473% | 4,564 |
| Net charge-offs to loans | 0.0615% | 5,892 |
| Credit loss provision to net charge-offs | 388.2979% | 796 |
| Earnings coverage of net charge-offs (x) | 89.6810% | 344 |
| Efficiency ratio | 40.3735% | 7,572 |
| Assets per employee ($millions) | 5.4351% | 1,687 |
| Cash dividends to net income (ytd only)* | 85.9559% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3079% | 4,917 |
| Loan loss allowance to noncurrent loans | 38.6580% | 5,734 |
| Noncurrent assets plus other real estate owned to assets | 1.5816% | 4,073 |
| Noncurrent loans to loans | 3.3832% | 2,351 |
| Net loans and leases to total assets | 46.1381% | 6,682 |
| Net loans and leases to deposits | 53.3933% | 6,808 |
| Net loans and leases to core deposits | 56.8677% | 6,796 |
| Total domestic deposits to total assets | 86.4116% | 2,847 |
| Equity capital to assets | 13.1933% | 1,497 |
| Core capital (leverage) ratio | 11.2630% | 2,093 |
| Tier 1 risk-based capital ratio | 21.7857% | 1,239 |
| Total risk-based capital ratio | 22.9826% | 1,226 |
| Memoranda: | ||
| Average total assets | $436,663,000 | 1,551 |
| Average earning assets | $415,126,500 | 1,480 |
| Average equity | $56,862,750 | 1,172 |
| Average total loans | $203,785,250 | 2,155 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9706% | 5,078 |
| Cost of funding earning assets | 0.9980% | 6,154 |
| Net interest margin | 3.9726% | 3,147 |
| Noninterest income to average assets | 0.4700% | 4,357 |
| Noninterest expense to average assets | 1.7521% | 7,453 |
| Loan and lease loss provision to assets | 0.1268% | 5,617 |
| Net operating income to assets | 2.3645% | 175 |
| Return on assets (ROA) | 2.3645% | 188 |
| Pretax return on assets | 2.3765% | 291 |
| Return on Equity (ROE) | 18.2400% | 442 |
| Retained earnings to average equity (ytd only) | 1.1633% | 5,284 |
| Net charge-offs to loans | 0.0840% | 5,298 |
| Credit loss provision to net charge-offs | 323.5294% | 1,133 |
| Earnings coverage of net charge-offs (x) | 63.8588% | 486 |
| Efficiency ratio | 41.1726% | 7,619 |
| Assets per employee ($millions) | 5.3799% | 1,722 |
| Cash dividends to net income (ytd only)* | 93.6220% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3018% | 4,907 |
| Loan loss allowance to noncurrent loans | 80.6836% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 0.7428% | 5,634 |
| Noncurrent loans to loans | 1.6135% | 4,291 |
| Net loans and leases to total assets | 45.4404% | 6,810 |
| Net loans and leases to deposits | 52.5598% | 6,944 |
| Net loans and leases to core deposits | 55.8548% | 6,946 |
| Total domestic deposits to total assets | 86.4547% | 2,844 |
| Equity capital to assets | 13.1819% | 1,483 |
| Core capital (leverage) ratio | 11.1766% | 2,117 |
| Tier 1 risk-based capital ratio | 21.9967% | 1,204 |
| Total risk-based capital ratio | 23.1971% | 1,187 |
| Memoranda: | ||
| Average total assets | $433,656,670 | 1,574 |
| Average earning assets | $413,226,330 | 1,498 |
| Average equity | $56,217,000 | 1,171 |
| Average total loans | $202,262,330 | 2,191 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9795% | 5,117 |
| Cost of funding earning assets | 1.0059% | 6,344 |
| Net interest margin | 3.9736% | 2,983 |
| Noninterest income to average assets | 0.5052% | 4,011 |
| Noninterest expense to average assets | 1.7855% | 7,481 |
| Loan and lease loss provision to assets | 0.2559% | 3,995 |
| Net operating income to assets | 2.2395% | 234 |
| Return on assets (ROA) | 2.2395% | 261 |
| Pretax return on assets | 2.2498% | 389 |
| Return on Equity (ROE) | 17.4264% | 567 |
| Retained earnings to average equity (ytd only) | -17.3250% | 7,290 |
| Net charge-offs to loans | 0.0813% | 4,604 |
| Credit loss provision to net charge-offs | 670.7317% | 657 |
| Earnings coverage of net charge-offs (x) | 65.6829% | 465 |
| Efficiency ratio | 41.6088% | 7,691 |
| Assets per employee ($millions) | 5.1144% | 2,074 |
| Cash dividends to net income (ytd only)* | 199.4184% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3464% | 4,697 |
| Loan loss allowance to noncurrent loans | 76.3419% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 0.8099% | 5,539 |
| Noncurrent loans to loans | 1.7636% | 4,103 |
| Net loans and leases to total assets | 45.3064% | 6,891 |
| Net loans and leases to deposits | 51.9128% | 7,049 |
| Net loans and leases to core deposits | 55.0704% | 7,046 |
| Total domestic deposits to total assets | 87.2741% | 2,481 |
| Equity capital to assets | 12.3728% | 1,826 |
| Core capital (leverage) ratio | 10.8119% | 2,363 |
| Tier 1 risk-based capital ratio | 20.7351% | 1,386 |
| Total risk-based capital ratio | 21.9538% | 1,366 |
| Memoranda: | ||
| Average total assets | $429,910,500 | 1,621 |
| Average earning assets | $409,600,000 | 1,550 |
| Average equity | $55,249,500 | 1,207 |
| Average total loans | $201,841,500 | 2,258 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2129% | 5,593 |
| Cost of funding earning assets | 1.1606% | 6,793 |
| Net interest margin | 4.0523% | 2,644 |
| Noninterest income to average assets | 0.4717% | 4,644 |
| Noninterest expense to average assets | 1.8364% | 7,576 |
| Loan and lease loss provision to assets | 0.1243% | 6,395 |
| Net operating income to assets | 2.3815% | 106 |
| Return on assets (ROA) | 2.3815% | 116 |
| Pretax return on assets | 2.3862% | 190 |
| Return on Equity (ROE) | 18.9438% | 308 |
| Retained earnings to average equity (ytd only) | 5.7309% | 1,458 |
| Net charge-offs to loans | 0.0709% | 6,407 |
| Credit loss provision to net charge-offs | 368.0556% | 872 |
| Earnings coverage of net charge-offs (x) | 74.3611% | 369 |
| Efficiency ratio | 42.2469% | 7,815 |
| Assets per employee ($millions) | 5.0607% | 2,139 |
| Cash dividends to net income (ytd only)* | 69.7480% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 5,339 |
| Loan loss allowance to noncurrent loans | 70.7001% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 0.8165% | 5,471 |
| Noncurrent loans to loans | 1.7011% | 4,089 |
| Net loans and leases to total assets | 47.4205% | 6,858 |
| Net loans and leases to deposits | 54.9185% | 6,990 |
| Net loans and leases to core deposits | 67.4394% | 6,908 |
| Total domestic deposits to total assets | 86.3470% | 2,843 |
| Equity capital to assets | 13.3408% | 1,380 |
| Core capital (leverage) ratio | 11.4741% | 1,931 |
| Tier 1 risk-based capital ratio | 21.7393% | 1,184 |
| Total risk-based capital ratio | 22.8521% | 1,177 |
| Memoranda: | ||
| Average total assets | $426,533,600 | 1,624 |
| Average earning assets | $407,895,200 | 1,551 |
| Average equity | $53,621,800 | 1,234 |
| Average total loans | $203,112,200 | 2,274 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2306% | 5,755 |
| Cost of funding earning assets | 1.1915% | 6,918 |
| Net interest margin | 4.0391% | 2,636 |
| Noninterest income to average assets | 0.4741% | 4,716 |
| Noninterest expense to average assets | 1.8334% | 7,629 |
| Loan and lease loss provision to assets | 0.1390% | 5,967 |
| Net operating income to assets | 2.3612% | 133 |
| Return on assets (ROA) | 2.3612% | 146 |
| Pretax return on assets | 2.3674% | 249 |
| Return on Equity (ROE) | 19.0726% | 359 |
| Retained earnings to average equity (ytd only) | 5.1718% | 2,388 |
| Net charge-offs to loans | 0.1071% | 5,598 |
| Credit loss provision to net charge-offs | 273.0061% | 1,553 |
| Earnings coverage of net charge-offs (x) | 49.2326% | 650 |
| Efficiency ratio | 42.2454% | 7,880 |
| Assets per employee ($millions) | 5.1510% | 1,970 |
| Cash dividends to net income (ytd only)* | 72.8836% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 5,441 |
| Loan loss allowance to noncurrent loans | 34.6250% | 6,111 |
| Noncurrent assets plus other real estate owned to assets | 1.6068% | 3,939 |
| Noncurrent loans to loans | 3.3068% | 2,281 |
| Net loans and leases to total assets | 48.0347% | 6,951 |
| Net loans and leases to deposits | 55.7232% | 7,111 |
| Net loans and leases to core deposits | 68.4211% | 7,055 |
| Total domestic deposits to total assets | 86.2024% | 2,587 |
| Equity capital to assets | 13.4127% | 1,532 |
| Core capital (leverage) ratio | 11.2735% | 2,203 |
| Tier 1 risk-based capital ratio | 21.0177% | 1,363 |
| Total risk-based capital ratio | 22.0698% | 1,363 |
| Memoranda: | ||
| Average total assets | $426,891,750 | 1,640 |
| Average earning assets | $408,561,000 | 1,566 |
| Average equity | $52,849,250 | 1,268 |
| Average total loans | $202,880,500 | 2,291 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2252% | 5,980 |
| Cost of funding earning assets | 1.2285% | 7,024 |
| Net interest margin | 3.9967% | 2,711 |
| Noninterest income to average assets | 0.4641% | 4,752 |
| Noninterest expense to average assets | 1.8058% | 7,736 |
| Loan and lease loss provision to assets | 0.2078% | 4,969 |
| Net operating income to assets | 2.2657% | 172 |
| Return on assets (ROA) | 2.2657% | 187 |
| Pretax return on assets | 2.2750% | 308 |
| Return on Equity (ROE) | 18.8169% | 415 |
| Retained earnings to average equity (ytd only) | -2.5474% | 5,878 |
| Net charge-offs to loans | 0.1455% | 4,727 |
| Credit loss provision to net charge-offs | 302.7211% | 1,534 |
| Earnings coverage of net charge-offs (x) | 36.1769% | 876 |
| Efficiency ratio | 42.1076% | 7,972 |
| Assets per employee ($millions) | 5.2014% | 1,854 |
| Cash dividends to net income (ytd only)* | 113.5380% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1500% | 5,269 |
| Loan loss allowance to noncurrent loans | 26.5395% | 6,734 |
| Noncurrent assets plus other real estate owned to assets | 2.0902% | 3,072 |
| Noncurrent loans to loans | 4.3330% | 1,500 |
| Net loans and leases to total assets | 47.6839% | 7,058 |
| Net loans and leases to deposits | 54.5646% | 7,243 |
| Net loans and leases to core deposits | 65.5742% | 7,233 |
| Total domestic deposits to total assets | 87.3899% | 2,057 |
| Equity capital to assets | 12.1004% | 2,153 |
| Core capital (leverage) ratio | 10.5296% | 2,789 |
| Tier 1 risk-based capital ratio | 19.8558% | 1,611 |
| Total risk-based capital ratio | 20.9231% | 1,598 |
| Memoranda: | ||
| Average total assets | $428,394,330 | 1,654 |
| Average earning assets | $409,939,670 | 1,587 |
| Average equity | $51,581,330 | 1,322 |
| Average total loans | $202,093,670 | 2,326 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2475% | 6,124 |
| Cost of funding earning assets | 1.2544% | 7,164 |
| Net interest margin | 3.9931% | 2,673 |
| Noninterest income to average assets | 0.4807% | 4,503 |
| Noninterest expense to average assets | 2.0599% | 7,216 |
| Loan and lease loss provision to assets | 0.1630% | 4,849 |
| Net operating income to assets | 2.0776% | 301 |
| Return on assets (ROA) | 2.0776% | 345 |
| Pretax return on assets | 2.0776% | 564 |
| Return on Equity (ROE) | 17.2979% | 658 |
| Retained earnings to average equity (ytd only) | -9.6186% | 7,075 |
| Net charge-offs to loans | 0.0160% | 5,355 |
| Credit loss provision to net charge-offs | 2,187.5000% | 300 |
| Earnings coverage of net charge-offs (x) | 300.6250% | 137 |
| Efficiency ratio | 47.8986% | 7,731 |
| Assets per employee ($millions) | 5.2364% | 1,812 |
| Cash dividends to net income (ytd only)* | 155.6054% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1051% | 5,432 |
| Loan loss allowance to noncurrent loans | 48.2097% | 5,309 |
| Noncurrent assets plus other real estate owned to assets | 1.0797% | 4,528 |
| Noncurrent loans to loans | 2.2923% | 2,865 |
| Net loans and leases to total assets | 46.5810% | 7,147 |
| Net loans and leases to deposits | 53.1286% | 7,334 |
| Net loans and leases to core deposits | 64.0694% | 7,315 |
| Total domestic deposits to total assets | 87.6760% | 1,896 |
| Equity capital to assets | 11.9011% | 2,323 |
| Core capital (leverage) ratio | 10.4899% | 2,942 |
| Tier 1 risk-based capital ratio | 19.6366% | 1,687 |
| Total risk-based capital ratio | 20.6812% | 1,681 |
| Memoranda: | ||
| Average total assets | $429,334,000 | 1,658 |
| Average earning assets | $410,706,000 | 1,585 |
| Average equity | $51,567,000 | 1,328 |
| Average total loans | $200,268,000 | 2,367 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8091% | 6,395 |
| Cost of funding earning assets | 1.7768% | 7,070 |
| Net interest margin | 4.0323% | 2,970 |
| Noninterest income to average assets | 0.5449% | 4,268 |
| Noninterest expense to average assets | 1.8695% | 7,663 |
| Loan and lease loss provision to assets | 0.0729% | 6,484 |
| Net operating income to assets | 2.4369% | 143 |
| Return on assets (ROA) | 2.4369% | 144 |
| Pretax return on assets | 2.4443% | 224 |
| Return on Equity (ROE) | 19.7001% | 399 |
| Retained earnings to average equity (ytd only) | 0.7389% | 4,787 |
| Net charge-offs to loans | -0.0006% | 7,716 |
| Credit loss provision to net charge-offs | -29,500.0000% | 7,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6174% | 8,055 |
| Assets per employee ($millions) | 5.1721% | 1,756 |
| Cash dividends to net income (ytd only)* | 96.2494% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 5,693 |
| Loan loss allowance to noncurrent loans | 53.6029% | 5,311 |
| Noncurrent assets plus other real estate owned to assets | 0.8987% | 4,598 |
| Noncurrent loans to loans | 1.9456% | 2,841 |
| Net loans and leases to total assets | 45.7090% | 7,357 |
| Net loans and leases to deposits | 55.3581% | 7,366 |
| Net loans and leases to core deposits | 66.6012% | 7,343 |
| Total domestic deposits to total assets | 82.5697% | 3,968 |
| Equity capital to assets | 12.1208% | 2,212 |
| Core capital (leverage) ratio | 10.8293% | 2,724 |
| Tier 1 risk-based capital ratio | 20.3544% | 1,560 |
| Total risk-based capital ratio | 21.3468% | 1,567 |
| Memoranda: | ||
| Average total assets | $404,811,200 | 1,682 |
| Average earning assets | $385,686,000 | 1,607 |
| Average equity | $50,075,800 | 1,349 |
| Average total loans | $178,559,400 | 2,517 |