Home > First Nations Bank > Performance and Condition Ratios
First Nations Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3842% | 1,342 |
| Cost of funding earning assets | 2.3007% | 542 |
| Net interest margin | 3.0834% | 3,129 |
| Noninterest income to average assets | 0.0500% | 4,441 |
| Noninterest expense to average assets | 1.5585% | 4,283 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.0658% | 2,020 |
| Return on assets (ROA) | 1.0658% | 1,990 |
| Pretax return on assets | 1.4820% | 1,468 |
| Return on Equity (ROE) | 8.8800% | 2,790 |
| Retained earnings to average equity (ytd only) | 7.8769% | 1,580 |
| Net charge-offs to loans | 0.0041% | 2,589 |
| Credit loss provision to net charge-offs | 588.2353% | 599 |
| Earnings coverage of net charge-offs (x) | 445.8824% | 318 |
| Efficiency ratio | 50.9258% | 3,916 |
| Assets per employee ($millions) | 13.3742% | 299 |
| Cash dividends to net income (ytd only)* | 11.2474% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8629% | 477 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 80.7100% | 561 |
| Net loans and leases to deposits | 103.5918% | 383 |
| Net loans and leases to core deposits | 159.6925% | 155 |
| Total domestic deposits to total assets | 77.9200% | 3,739 |
| Equity capital to assets | 12.3924% | 1,011 |
| Core capital (leverage) ratio | 12.1674% | 1,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5327% | 1,172 |
| Memoranda: | ||
| Average total assets | $504,714,600 | 1,714 |
| Average earning assets | $492,278,000 | 1,659 |
| Average equity | $60,607,400 | 1,388 |
| Average total loans | $414,465,400 | 1,440 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2910% | 1,301 |
| Cost of funding earning assets | 2.0935% | 598 |
| Net interest margin | 3.1975% | 2,921 |
| Noninterest income to average assets | 0.0500% | 4,454 |
| Noninterest expense to average assets | 1.6140% | 4,227 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.0998% | 2,056 |
| Return on assets (ROA) | 1.0998% | 2,040 |
| Pretax return on assets | 1.5311% | 1,504 |
| Return on Equity (ROE) | 9.2300% | 2,866 |
| Retained earnings to average equity (ytd only) | 8.2268% | 1,878 |
| Net charge-offs to loans | 0.0055% | 2,261 |
| Credit loss provision to net charge-offs | 588.2353% | 566 |
| Earnings coverage of net charge-offs (x) | 346.2353% | 411 |
| Efficiency ratio | 50.8886% | 3,844 |
| Assets per employee ($millions) | 13.5801% | 266 |
| Cash dividends to net income (ytd only)* | 10.8999% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8831% | 488 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 78.6300% | 801 |
| Net loans and leases to deposits | 100.2714% | 499 |
| Net loans and leases to core deposits | 150.3855% | 146 |
| Total domestic deposits to total assets | 78.4100% | 3,772 |
| Equity capital to assets | 11.9779% | 1,042 |
| Core capital (leverage) ratio | 12.0511% | 1,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5082% | 1,199 |
| Memoranda: | ||
| Average total assets | $503,838,000 | 1,724 |
| Average earning assets | $491,541,500 | 1,660 |
| Average equity | $60,014,000 | 1,383 |
| Average total loans | $413,582,500 | 1,438 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2508% | 1,148 |
| Cost of funding earning assets | 1.8286% | 703 |
| Net interest margin | 3.4222% | 2,469 |
| Noninterest income to average assets | 0.0600% | 4,461 |
| Noninterest expense to average assets | 1.6308% | 4,230 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.2370% | 1,726 |
| Return on assets (ROA) | 1.2370% | 1,722 |
| Pretax return on assets | 1.7244% | 1,159 |
| Return on Equity (ROE) | 10.4000% | 2,596 |
| Retained earnings to average equity (ytd only) | 9.3949% | 1,575 |
| Net charge-offs to loans | 0.0082% | 1,905 |
| Credit loss provision to net charge-offs | 588.2353% | 583 |
| Earnings coverage of net charge-offs (x) | 259.3529% | 500 |
| Efficiency ratio | 48.0316% | 4,067 |
| Assets per employee ($millions) | 13.3908% | 270 |
| Cash dividends to net income (ytd only)* | 9.7056% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8965% | 500 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 79.1600% | 720 |
| Net loans and leases to deposits | 101.1897% | 467 |
| Net loans and leases to core deposits | 152.8933% | 130 |
| Total domestic deposits to total assets | 78.2300% | 3,821 |
| Equity capital to assets | 11.9505% | 1,065 |
| Core capital (leverage) ratio | 11.9980% | 1,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4620% | 1,222 |
| Memoranda: | ||
| Average total assets | $499,770,000 | 1,726 |
| Average earning assets | $487,692,667 | 1,666 |
| Average equity | $59,415,000 | 1,397 |
| Average total loans | $413,601,000 | 1,420 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0498% | 1,141 |
| Cost of funding earning assets | 1.4368% | 961 |
| Net interest margin | 3.6130% | 2,095 |
| Noninterest income to average assets | 0.0400% | 4,561 |
| Noninterest expense to average assets | 1.6429% | 4,255 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.3230% | 1,610 |
| Return on assets (ROA) | 1.3230% | 1,577 |
| Pretax return on assets | 1.8480% | 987 |
| Return on Equity (ROE) | 11.1600% | 2,450 |
| Retained earnings to average equity (ytd only) | 10.1571% | 1,662 |
| Net charge-offs to loans | 0.0164% | 1,362 |
| Credit loss provision to net charge-offs | 588.2353% | 513 |
| Earnings coverage of net charge-offs (x) | 140.4706% | 631 |
| Efficiency ratio | 45.9973% | 4,217 |
| Assets per employee ($millions) | 13.2135% | 295 |
| Cash dividends to net income (ytd only)* | 8.9744% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8572% | 589 |
| Loan loss allowance to noncurrent loans | 5,602.1583% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 3,506 |
| Noncurrent loans to loans | 0.0332% | 3,517 |
| Net loans and leases to total assets | 81.9500% | 380 |
| Net loans and leases to deposits | 100.9938% | 397 |
| Net loans and leases to core deposits | 151.1488% | 120 |
| Total domestic deposits to total assets | 81.1500% | 3,614 |
| Equity capital to assets | 11.8501% | 1,045 |
| Core capital (leverage) ratio | 12.2023% | 1,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8638% | 1,402 |
| Memoranda: | ||
| Average total assets | $495,229,500 | 1,754 |
| Average earning assets | $483,583,500 | 1,696 |
| Average equity | $58,717,500 | 1,417 |
| Average total loans | $415,104,000 | 1,433 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9452% | 1,874 |
| Cost of funding earning assets | 0.6489% | 716 |
| Net interest margin | 3.2963% | 2,570 |
| Noninterest income to average assets | 0.0700% | 4,528 |
| Noninterest expense to average assets | 1.4950% | 4,433 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 1.1296% | 2,055 |
| Return on assets (ROA) | 1.1296% | 1,999 |
| Pretax return on assets | 1.5785% | 1,216 |
| Return on Equity (ROE) | 9.9500% | 2,826 |
| Retained earnings to average equity (ytd only) | 9.1568% | 1,433 |
| Net charge-offs to loans | -0.0003% | 3,281 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 45.5272% | 4,371 |
| Assets per employee ($millions) | 13.1985% | 289 |
| Cash dividends to net income (ytd only)* | 7.9354% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8748% | 562 |
| Loan loss allowance to noncurrent loans | 5,425.3521% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 3,524 |
| Noncurrent loans to loans | 0.0346% | 3,534 |
| Net loans and leases to total assets | 82.5700% | 364 |
| Net loans and leases to deposits | 96.7888% | 597 |
| Net loans and leases to core deposits | 130.0063% | 223 |
| Total domestic deposits to total assets | 85.3100% | 2,909 |
| Equity capital to assets | 11.8633% | 971 |
| Core capital (leverage) ratio | 11.8779% | 1,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6539% | 1,443 |
| Memoranda: | ||
| Average total assets | $487,497,400 | 1,750 |
| Average earning assets | $475,409,800 | 1,687 |
| Average equity | $55,368,600 | 1,493 |
| Average total loans | $362,975,600 | 1,504 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6049% | 2,332 |
| Cost of funding earning assets | 0.5098% | 722 |
| Net interest margin | 3.0951% | 2,947 |
| Noninterest income to average assets | 0.0700% | 4,554 |
| Noninterest expense to average assets | 1.5208% | 4,398 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1180% | 2,010 |
| Return on assets (ROA) | 1.1180% | 1,977 |
| Pretax return on assets | 1.5621% | 1,222 |
| Return on Equity (ROE) | 9.9500% | 2,740 |
| Retained earnings to average equity (ytd only) | 9.2164% | 1,572 |
| Net charge-offs to loans | -0.0004% | 3,126 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 49.3299% | 4,195 |
| Assets per employee ($millions) | 13.0276% | 296 |
| Cash dividends to net income (ytd only)* | 7.4156% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6929% | 889 |
| Loan loss allowance to noncurrent loans | 4,544.2177% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 3,617 |
| Noncurrent loans to loans | 0.0373% | 3,626 |
| Net loans and leases to total assets | 80.4700% | 494 |
| Net loans and leases to deposits | 94.3089% | 622 |
| Net loans and leases to core deposits | 120.3698% | 254 |
| Total domestic deposits to total assets | 85.3300% | 3,210 |
| Equity capital to assets | 11.7466% | 934 |
| Core capital (leverage) ratio | 11.5620% | 1,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9292% | 1,448 |
| Memoranda: | ||
| Average total assets | $487,285,500 | 1,760 |
| Average earning assets | $474,969,250 | 1,695 |
| Average equity | $54,727,250 | 1,516 |
| Average total loans | $350,987,250 | 1,531 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2942% | 2,758 |
| Cost of funding earning assets | 0.4776% | 593 |
| Net interest margin | 2.8166% | 3,394 |
| Noninterest income to average assets | 0.0658% | 4,595 |
| Noninterest expense to average assets | 1.5201% | 4,396 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9218% | 2,481 |
| Return on assets (ROA) | 0.9218% | 2,450 |
| Pretax return on assets | 1.2878% | 1,784 |
| Return on Equity (ROE) | 8.3333% | 2,918 |
| Retained earnings to average equity (ytd only) | 7.6568% | 1,748 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1363% | 3,954 |
| Assets per employee ($millions) | 13.4778% | 264 |
| Cash dividends to net income (ytd only)* | 8.1189% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7986% | 821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 75.1456% | 807 |
| Net loans and leases to deposits | 87.5613% | 869 |
| Net loans and leases to core deposits | 114.2066% | 277 |
| Total domestic deposits to total assets | 85.8205% | 3,297 |
| Equity capital to assets | 11.3495% | 1,078 |
| Core capital (leverage) ratio | 11.2353% | 1,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3705% | 1,337 |
| Memoranda: | ||
| Average total assets | $489,040,667 | 1,765 |
| Average earning assets | $476,109,000 | 1,706 |
| Average equity | $54,096,000 | 1,579 |
| Average total loans | $336,456,667 | 1,576 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1170% | 2,927 |
| Cost of funding earning assets | 0.4732% | 570 |
| Net interest margin | 2.6438% | 3,546 |
| Noninterest income to average assets | 0.0668% | 4,614 |
| Noninterest expense to average assets | 1.5317% | 4,386 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7895% | 2,699 |
| Return on assets (ROA) | 0.7895% | 2,696 |
| Pretax return on assets | 1.1023% | 2,135 |
| Return on Equity (ROE) | 7.2300% | 2,968 |
| Retained earnings to average equity (ytd only) | 6.9166% | 1,916 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1503% | 3,666 |
| Assets per employee ($millions) | 13.4521% | 283 |
| Cash dividends to net income (ytd only)* | 4.3344% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0354% | 586 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 64.5765% | 1,548 |
| Net loans and leases to deposits | 74.8219% | 1,533 |
| Net loans and leases to core deposits | 100.8927% | 487 |
| Total domestic deposits to total assets | 86.3069% | 3,162 |
| Equity capital to assets | 10.8449% | 1,412 |
| Core capital (leverage) ratio | 10.8940% | 1,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1396% | 1,022 |
| Memoranda: | ||
| Average total assets | $490,960,000 | 1,762 |
| Average earning assets | $476,741,500 | 1,711 |
| Average equity | $53,610,000 | 1,633 |
| Average total loans | $319,042,000 | 1,624 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2794% | 3,272 |
| Cost of funding earning assets | 0.5650% | 653 |
| Net interest margin | 2.7144% | 3,845 |
| Noninterest income to average assets | 0.0745% | 4,671 |
| Noninterest expense to average assets | 1.5239% | 4,514 |
| Loan and lease loss provision to assets | 0.0303% | 2,451 |
| Net operating income to assets | 0.8145% | 3,287 |
| Return on assets (ROA) | 0.8145% | 3,357 |
| Pretax return on assets | 1.1389% | 2,861 |
| Return on Equity (ROE) | 7.2944% | 3,442 |
| Retained earnings to average equity (ytd only) | 3.4193% | 3,446 |
| Net charge-offs to loans | 0.0720% | 1,069 |
| Credit loss provision to net charge-offs | 61.4035% | 2,060 |
| Earnings coverage of net charge-offs (x) | 23.6798% | 1,767 |
| Efficiency ratio | 56.5857% | 3,632 |
| Assets per employee ($millions) | 13.0863% | 309 |
| Cash dividends to net income (ytd only)* | 53.1242% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1542% | 483 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 62.6431% | 1,864 |
| Net loans and leases to deposits | 72.6946% | 1,841 |
| Net loans and leases to core deposits | 101.1080% | 490 |
| Total domestic deposits to total assets | 86.1729% | 2,845 |
| Equity capital to assets | 10.9960% | 1,795 |
| Core capital (leverage) ratio | 10.7811% | 1,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5744% | 953 |
| Memoranda: | ||
| Average total assets | $461,776,400 | 1,807 |
| Average earning assets | $445,477,400 | 1,745 |
| Average equity | $51,559,800 | 1,717 |
| Average total loans | $316,492,200 | 1,638 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3106% | 3,361 |
| Cost of funding earning assets | 0.5890% | 675 |
| Net interest margin | 2.7217% | 3,930 |
| Noninterest income to average assets | 0.0526% | 4,800 |
| Noninterest expense to average assets | 1.6140% | 4,451 |
| Loan and lease loss provision to assets | 0.1168% | 1,023 |
| Net operating income to assets | 0.6784% | 3,821 |
| Return on assets (ROA) | 0.6784% | 3,882 |
| Pretax return on assets | 0.9487% | 3,586 |
| Return on Equity (ROE) | 6.0513% | 3,898 |
| Retained earnings to average equity (ytd only) | 0.8421% | 4,438 |
| Net charge-offs to loans | 0.3303% | 236 |
| Credit loss provision to net charge-offs | 50.7614% | 1,854 |
| Earnings coverage of net charge-offs (x) | 4.6269% | 2,256 |
| Efficiency ratio | 60.2312% | 2,953 |
| Assets per employee ($millions) | 12.1014% | 361 |
| Cash dividends to net income (ytd only)* | 86.0836% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9880% | 649 |
| Loan loss allowance to noncurrent loans | 2,286.0215% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 3,736 |
| Noncurrent loans to loans | 0.0870% | 3,647 |
| Net loans and leases to total assets | 64.9594% | 1,660 |
| Net loans and leases to deposits | 76.0831% | 1,661 |
| Net loans and leases to core deposits | 106.0048% | 407 |
| Total domestic deposits to total assets | 85.3796% | 2,994 |
| Equity capital to assets | 10.7045% | 2,259 |
| Core capital (leverage) ratio | 10.5616% | 2,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6958% | 1,194 |
| Memoranda: | ||
| Average total assets | $456,172,000 | 1,844 |
| Average earning assets | $440,308,750 | 1,788 |
| Average equity | $51,139,250 | 1,746 |
| Average total loans | $318,117,250 | 1,662 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3948% | 3,195 |
| Cost of funding earning assets | 0.6037% | 734 |
| Net interest margin | 2.7911% | 3,805 |
| Noninterest income to average assets | 0.0506% | 4,842 |
| Noninterest expense to average assets | 1.6761% | 4,396 |
| Loan and lease loss provision to assets | 0.1790% | 641 |
| Net operating income to assets | 0.6391% | 3,898 |
| Return on assets (ROA) | 0.6391% | 3,958 |
| Pretax return on assets | 0.8938% | 3,678 |
| Return on Equity (ROE) | 5.6095% | 4,000 |
| Retained earnings to average equity (ytd only) | -2.1016% | 4,672 |
| Net charge-offs to loans | 0.4993% | 163 |
| Credit loss provision to net charge-offs | 50.5051% | 1,602 |
| Earnings coverage of net charge-offs (x) | 3.0265% | 2,095 |
| Efficiency ratio | 60.9736% | 2,877 |
| Assets per employee ($millions) | 12.3829% | 321 |
| Cash dividends to net income (ytd only)* | 137.4650% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0441% | 560 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 63.2493% | 2,038 |
| Net loans and leases to deposits | 74.1154% | 1,986 |
| Net loans and leases to core deposits | 103.8282% | 538 |
| Total domestic deposits to total assets | 85.3389% | 2,969 |
| Equity capital to assets | 10.5520% | 2,351 |
| Core capital (leverage) ratio | 11.2161% | 1,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0293% | 1,114 |
| Memoranda: | ||
| Average total assets | $446,877,333 | 1,857 |
| Average earning assets | $432,010,333 | 1,807 |
| Average equity | $50,913,667 | 1,745 |
| Average total loans | $317,217,000 | 1,666 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5922% | 2,666 |
| Cost of funding earning assets | 0.6484% | 703 |
| Net interest margin | 2.9438% | 3,393 |
| Noninterest income to average assets | 0.0438% | 4,863 |
| Noninterest expense to average assets | 1.8076% | 4,204 |
| Loan and lease loss provision to assets | 0.1632% | 771 |
| Net operating income to assets | 0.6632% | 3,794 |
| Return on assets (ROA) | 0.6632% | 3,868 |
| Pretax return on assets | 0.9271% | 3,543 |
| Return on Equity (ROE) | 5.5884% | 3,973 |
| Retained earnings to average equity (ytd only) | -9.4555% | 4,807 |
| Net charge-offs to loans | 1.0028% | 76 |
| Credit loss provision to net charge-offs | 21.8204% | 1,414 |
| Earnings coverage of net charge-offs (x) | 1.4576% | 1,848 |
| Efficiency ratio | 62.3753% | 2,687 |
| Assets per employee ($millions) | 10.9733% | 452 |
| Cash dividends to net income (ytd only)* | 269.1983% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9186% | 718 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 71.5011% | 1,092 |
| Net loans and leases to deposits | 85.7759% | 973 |
| Net loans and leases to core deposits | 108.1945% | 455 |
| Total domestic deposits to total assets | 83.3580% | 3,598 |
| Equity capital to assets | 11.4571% | 1,567 |
| Core capital (leverage) ratio | 11.7070% | 1,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6582% | 1,132 |
| Memoranda: | ||
| Average total assets | $428,850,000 | 1,906 |
| Average earning assets | $415,790,500 | 1,849 |
| Average equity | $50,891,000 | 1,738 |
| Average total loans | $319,913,000 | 1,669 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9212% | 2,970 |
| Cost of funding earning assets | 0.9777% | 649 |
| Net interest margin | 2.9435% | 4,026 |
| Noninterest income to average assets | 0.0529% | 4,856 |
| Noninterest expense to average assets | 1.6815% | 4,638 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.8802% | 2,782 |
| Return on assets (ROA) | 0.8802% | 2,920 |
| Pretax return on assets | 1.2300% | 2,222 |
| Return on Equity (ROE) | 6.9376% | 3,228 |
| Retained earnings to average equity (ytd only) | 6.0468% | 1,777 |
| Net charge-offs to loans | 0.1903% | 893 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 8.1347% | 2,626 |
| Efficiency ratio | 57.7549% | 3,759 |
| Assets per employee ($millions) | 10.4692% | 455 |
| Cash dividends to net income (ytd only)* | 12.8398% | 3,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1154% | 480 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 74.7622% | 931 |
| Net loans and leases to deposits | 90.7181% | 869 |
| Net loans and leases to core deposits | 115.4514% | 376 |
| Total domestic deposits to total assets | 82.4115% | 3,560 |
| Equity capital to assets | 12.2963% | 1,422 |
| Core capital (leverage) ratio | 12.4341% | 1,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0044% | 1,056 |
| Memoranda: | ||
| Average total assets | $392,854,400 | 1,880 |
| Average earning assets | $381,520,400 | 1,828 |
| Average equity | $49,844,200 | 1,693 |
| Average total loans | $312,179,000 | 1,643 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9783% | 3,035 |
| Cost of funding earning assets | 1.0669% | 605 |
| Net interest margin | 2.9114% | 4,163 |
| Noninterest income to average assets | 0.0528% | 4,884 |
| Noninterest expense to average assets | 1.7568% | 4,557 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8051% | 3,068 |
| Return on assets (ROA) | 0.8051% | 3,187 |
| Pretax return on assets | 1.1246% | 2,661 |
| Return on Equity (ROE) | 6.2927% | 3,451 |
| Retained earnings to average equity (ytd only) | 5.4026% | 2,376 |
| Net charge-offs to loans | 0.2566% | 601 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 5.4590% | 2,728 |
| Efficiency ratio | 60.9701% | 3,220 |
| Assets per employee ($millions) | 10.4757% | 438 |
| Cash dividends to net income (ytd only)* | 14.1449% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1367% | 391 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 75.8280% | 1,120 |
| Net loans and leases to deposits | 92.8709% | 1,010 |
| Net loans and leases to core deposits | 119.2040% | 430 |
| Total domestic deposits to total assets | 81.6488% | 3,505 |
| Equity capital to assets | 12.3566% | 1,485 |
| Core capital (leverage) ratio | 12.5305% | 1,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8000% | 1,083 |
| Memoranda: | ||
| Average total assets | $386,376,000 | 1,888 |
| Average earning assets | $375,391,750 | 1,826 |
| Average equity | $49,432,000 | 1,698 |
| Average total loans | $310,262,250 | 1,642 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0644% | 3,145 |
| Cost of funding earning assets | 1.1856% | 528 |
| Net interest margin | 2.8788% | 4,343 |
| Noninterest income to average assets | 0.0559% | 4,898 |
| Noninterest expense to average assets | 1.8233% | 4,531 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7388% | 3,247 |
| Return on assets (ROA) | 0.7388% | 3,369 |
| Pretax return on assets | 1.0312% | 2,928 |
| Return on Equity (ROE) | 5.7048% | 3,602 |
| Retained earnings to average equity (ytd only) | 4.8246% | 2,558 |
| Net charge-offs to loans | 0.3959% | 400 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 3.2033% | 2,700 |
| Efficiency ratio | 63.8750% | 2,840 |
| Assets per employee ($millions) | 9.9907% | 501 |
| Cash dividends to net income (ytd only)* | 15.4286% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1708% | 351 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 78.0819% | 836 |
| Net loans and leases to deposits | 96.5908% | 749 |
| Net loans and leases to core deposits | 121.8148% | 381 |
| Total domestic deposits to total assets | 80.8378% | 3,644 |
| Equity capital to assets | 12.7465% | 1,260 |
| Core capital (leverage) ratio | 13.0027% | 998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8005% | 1,084 |
| Memoranda: | ||
| Average total assets | $378,984,000 | 1,896 |
| Average earning assets | $368,415,333 | 1,824 |
| Average equity | $49,081,667 | 1,700 |
| Average total loans | $308,162,667 | 1,632 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2630% | 3,026 |
| Cost of funding earning assets | 1.3322% | 508 |
| Net interest margin | 2.9308% | 4,383 |
| Noninterest income to average assets | 0.0685% | 4,924 |
| Noninterest expense to average assets | 1.8477% | 4,614 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7675% | 3,030 |
| Return on assets (ROA) | 0.7675% | 3,108 |
| Pretax return on assets | 1.0705% | 2,611 |
| Return on Equity (ROE) | 5.8783% | 3,362 |
| Retained earnings to average equity (ytd only) | 5.0420% | 2,262 |
| Net charge-offs to loans | -0.0130% | 4,172 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3162% | 3,325 |
| Assets per employee ($millions) | 9.6606% | 424 |
| Cash dividends to net income (ytd only)* | 14.2259% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3623% | 301 |
| Loan loss allowance to noncurrent loans | 245,700.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 4,654 |
| Noncurrent loans to loans | 0.0010% | 4,589 |
| Net loans and leases to total assets | 80.8628% | 581 |
| Net loans and leases to deposits | 99.1809% | 610 |
| Net loans and leases to core deposits | 129.1243% | 283 |
| Total domestic deposits to total assets | 81.5306% | 3,539 |
| Equity capital to assets | 13.0323% | 1,414 |
| Core capital (leverage) ratio | 13.0781% | 1,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6019% | 1,213 |
| Memoranda: | ||
| Average total assets | $373,657,500 | 1,879 |
| Average earning assets | $363,309,500 | 1,801 |
| Average equity | $48,790,000 | 1,700 |
| Average total loans | $306,750,500 | 1,614 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6084% | 2,577 |
| Cost of funding earning assets | 1.3524% | 653 |
| Net interest margin | 3.2560% | 4,072 |
| Noninterest income to average assets | 0.1028% | 4,918 |
| Noninterest expense to average assets | 1.6514% | 4,915 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1546% | 2,240 |
| Return on assets (ROA) | 1.1546% | 2,337 |
| Pretax return on assets | 1.6182% | 1,434 |
| Return on Equity (ROE) | 8.7133% | 2,870 |
| Retained earnings to average equity (ytd only) | 4.8747% | 2,485 |
| Net charge-offs to loans | 0.0691% | 2,103 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 27.7524% | 1,649 |
| Efficiency ratio | 50.5064% | 4,707 |
| Assets per employee ($millions) | 9.5013% | 412 |
| Cash dividends to net income (ytd only)* | 44.0549% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4414% | 232 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 79.3705% | 879 |
| Net loans and leases to deposits | 97.4164% | 805 |
| Net loans and leases to core deposits | 127.6520% | 313 |
| Total domestic deposits to total assets | 81.4755% | 3,656 |
| Equity capital to assets | 13.0829% | 1,472 |
| Core capital (leverage) ratio | 13.1359% | 1,183 |
| Tier 1 risk-based capital ratio | 16.6693% | 2,162 |
| Total risk-based capital ratio | 17.9350% | 2,094 |
| Memoranda: | ||
| Average total assets | $353,284,400 | 1,898 |
| Average earning assets | $343,613,400 | 1,835 |
| Average equity | $46,813,400 | 1,695 |
| Average total loans | $298,188,000 | 1,613 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6369% | 2,608 |
| Cost of funding earning assets | 1.3267% | 725 |
| Net interest margin | 3.3102% | 4,074 |
| Noninterest income to average assets | 0.1081% | 4,962 |
| Noninterest expense to average assets | 1.8477% | 4,765 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0629% | 2,723 |
| Return on assets (ROA) | 1.0629% | 2,805 |
| Pretax return on assets | 1.4798% | 2,021 |
| Return on Equity (ROE) | 7.9946% | 3,308 |
| Retained earnings to average equity (ytd only) | 3.1524% | 3,829 |
| Net charge-offs to loans | 0.0933% | 1,539 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 18.6199% | 2,044 |
| Efficiency ratio | 55.5288% | 4,214 |
| Assets per employee ($millions) | 9.2041% | 444 |
| Cash dividends to net income (ytd only)* | 60.5679% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4388% | 239 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 82.0003% | 565 |
| Net loans and leases to deposits | 102.0253% | 505 |
| Net loans and leases to core deposits | 133.5237% | 258 |
| Total domestic deposits to total assets | 80.3725% | 3,902 |
| Equity capital to assets | 13.1750% | 1,527 |
| Core capital (leverage) ratio | 13.4097% | 1,165 |
| Tier 1 risk-based capital ratio | 16.3324% | 2,322 |
| Total risk-based capital ratio | 17.5985% | 2,247 |
| Memoranda: | ||
| Average total assets | $348,967,500 | 1,921 |
| Average earning assets | $339,382,250 | 1,862 |
| Average equity | $46,397,000 | 1,705 |
| Average total loans | $297,367,750 | 1,624 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6338% | 2,568 |
| Cost of funding earning assets | 1.2818% | 781 |
| Net interest margin | 3.3521% | 4,025 |
| Noninterest income to average assets | 0.1175% | 4,973 |
| Noninterest expense to average assets | 1.8962% | 4,756 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0635% | 2,666 |
| Return on assets (ROA) | 1.0635% | 2,731 |
| Pretax return on assets | 1.4807% | 1,916 |
| Return on Equity (ROE) | 7.9743% | 3,304 |
| Retained earnings to average equity (ytd only) | 1.1497% | 4,394 |
| Net charge-offs to loans | 0.1311% | 1,148 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 13.1907% | 2,116 |
| Efficiency ratio | 56.1515% | 4,229 |
| Assets per employee ($millions) | 8.9179% | 479 |
| Cash dividends to net income (ytd only)* | 85.5822% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4367% | 243 |
| Loan loss allowance to noncurrent loans | 52,664.2857% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 4,795 |
| Noncurrent loans to loans | 0.0046% | 4,715 |
| Net loans and leases to total assets | 84.8780% | 299 |
| Net loans and leases to deposits | 105.3273% | 365 |
| Net loans and leases to core deposits | 132.8899% | 275 |
| Total domestic deposits to total assets | 80.5849% | 3,919 |
| Equity capital to assets | 13.3601% | 1,399 |
| Core capital (leverage) ratio | 13.2679% | 1,195 |
| Tier 1 risk-based capital ratio | 16.0706% | 2,376 |
| Total risk-based capital ratio | 17.3364% | 2,321 |
| Memoranda: | ||
| Average total assets | $345,636,330 | 1,949 |
| Average earning assets | $336,092,330 | 1,885 |
| Average equity | $46,098,330 | 1,711 |
| Average total loans | $295,921,330 | 1,637 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5837% | 2,588 |
| Cost of funding earning assets | 1.2000% | 902 |
| Net interest margin | 3.3838% | 3,929 |
| Noninterest income to average assets | 0.0998% | 5,079 |
| Noninterest expense to average assets | 1.9341% | 4,750 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0460% | 2,672 |
| Return on assets (ROA) | 1.0460% | 2,713 |
| Pretax return on assets | 1.4558% | 1,899 |
| Return on Equity (ROE) | 7.8494% | 3,325 |
| Retained earnings to average equity (ytd only) | -4.8873% | 4,919 |
| Net charge-offs to loans | 0.0041% | 2,572 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 418.0000% | 184 |
| Efficiency ratio | 57.0548% | 4,212 |
| Assets per employee ($millions) | 9.0195% | 470 |
| Cash dividends to net income (ytd only)* | 162.2642% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5755% | 225 |
| Loan loss allowance to noncurrent loans | 1,788.1797% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.1203% | 4,206 |
| Noncurrent loans to loans | 0.1440% | 4,094 |
| Net loans and leases to total assets | 81.3423% | 665 |
| Net loans and leases to deposits | 99.8663% | 646 |
| Net loans and leases to core deposits | 128.2796% | 330 |
| Total domestic deposits to total assets | 81.4512% | 3,867 |
| Equity capital to assets | 12.9737% | 1,468 |
| Core capital (leverage) ratio | 13.2276% | 1,178 |
| Tier 1 risk-based capital ratio | 16.4285% | 2,294 |
| Total risk-based capital ratio | 17.6969% | 2,234 |
| Memoranda: | ||
| Average total assets | $344,556,000 | 1,969 |
| Average earning assets | $335,012,500 | 1,902 |
| Average equity | $45,914,500 | 1,707 |
| Average total loans | $292,594,000 | 1,659 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5573% | 2,269 |
| Cost of funding earning assets | 0.9443% | 948 |
| Net interest margin | 3.6130% | 3,334 |
| Noninterest income to average assets | 0.1213% | 5,074 |
| Noninterest expense to average assets | 1.8162% | 4,991 |
| Loan and lease loss provision to assets | -0.2168% | 5,339 |
| Net operating income to assets | 1.4793% | 1,175 |
| Return on assets (ROA) | 1.4793% | 1,165 |
| Pretax return on assets | 2.0236% | 534 |
| Return on Equity (ROE) | 11.3518% | 1,958 |
| Retained earnings to average equity (ytd only) | 10.0557% | 607 |
| Net charge-offs to loans | -0.1217% | 5,192 |
| Credit loss provision to net charge-offs | 210.0287% | 1,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1306% | 4,935 |
| Assets per employee ($millions) | 8.6501% | 520 |
| Cash dividends to net income (ytd only)* | 11.4177% | 3,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5959% | 204 |
| Loan loss allowance to noncurrent loans | 1,788.8889% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.1254% | 4,194 |
| Noncurrent loans to loans | 0.1451% | 4,091 |
| Net loans and leases to total assets | 84.1635% | 401 |
| Net loans and leases to deposits | 103.6381% | 501 |
| Net loans and leases to core deposits | 125.8725% | 397 |
| Total domestic deposits to total assets | 81.2090% | 3,840 |
| Equity capital to assets | 13.6928% | 1,071 |
| Core capital (leverage) ratio | 13.4935% | 1,079 |
| Tier 1 risk-based capital ratio | 16.7170% | 2,163 |
| Total risk-based capital ratio | 17.9854% | 2,101 |
| Memoranda: | ||
| Average total assets | $338,062,000 | 1,959 |
| Average earning assets | $327,652,400 | 1,903 |
| Average equity | $44,054,600 | 1,697 |
| Average total loans | $286,737,000 | 1,654 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5484% | 2,129 |
| Cost of funding earning assets | 0.8780% | 1,006 |
| Net interest margin | 3.6703% | 3,121 |
| Noninterest income to average assets | 0.1336% | 5,092 |
| Noninterest expense to average assets | 1.9568% | 4,814 |
| Loan and lease loss provision to assets | -0.2889% | 5,426 |
| Net operating income to assets | 1.4774% | 1,254 |
| Return on assets (ROA) | 1.4774% | 1,253 |
| Pretax return on assets | 2.0218% | 590 |
| Return on Equity (ROE) | 11.4826% | 1,988 |
| Retained earnings to average equity (ytd only) | 10.1713% | 873 |
| Net charge-offs to loans | -0.1672% | 5,271 |
| Credit loss provision to net charge-offs | 204.7486% | 1,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0342% | 4,703 |
| Assets per employee ($millions) | 8.9035% | 459 |
| Cash dividends to net income (ytd only)* | 11.4194% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6588% | 197 |
| Loan loss allowance to noncurrent loans | 1,791.0165% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.1218% | 4,358 |
| Noncurrent loans to loans | 0.1485% | 4,222 |
| Net loans and leases to total assets | 79.8788% | 1,039 |
| Net loans and leases to deposits | 99.5428% | 825 |
| Net loans and leases to core deposits | 120.1186% | 572 |
| Total domestic deposits to total assets | 80.2457% | 4,054 |
| Equity capital to assets | 12.9837% | 1,350 |
| Core capital (leverage) ratio | 13.0464% | 1,262 |
| Tier 1 risk-based capital ratio | 16.6970% | 2,209 |
| Total risk-based capital ratio | 17.9662% | 2,148 |
| Memoranda: | ||
| Average total assets | $338,239,250 | 1,967 |
| Average earning assets | $327,700,000 | 1,909 |
| Average equity | $43,520,000 | 1,717 |
| Average total loans | $285,547,500 | 1,662 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5795% | 1,843 |
| Cost of funding earning assets | 0.8106% | 1,082 |
| Net interest margin | 3.7689% | 2,677 |
| Noninterest income to average assets | 0.1539% | 5,053 |
| Noninterest expense to average assets | 2.0785% | 4,655 |
| Loan and lease loss provision to assets | -0.4373% | 5,509 |
| Net operating income to assets | 1.5768% | 971 |
| Return on assets (ROA) | 1.5768% | 974 |
| Pretax return on assets | 2.1602% | 422 |
| Return on Equity (ROE) | 12.2934% | 1,622 |
| Retained earnings to average equity (ytd only) | 10.9678% | 681 |
| Net charge-offs to loans | -0.4234% | 5,418 |
| Credit loss provision to net charge-offs | 121.1570% | 1,790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6767% | 4,618 |
| Assets per employee ($millions) | 8.8990% | 465 |
| Cash dividends to net income (ytd only)* | 10.7832% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7194% | 197 |
| Loan loss allowance to noncurrent loans | 1,769.9095% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.1307% | 4,346 |
| Noncurrent loans to loans | 0.1536% | 4,216 |
| Net loans and leases to total assets | 82.7554% | 616 |
| Net loans and leases to deposits | 103.5351% | 550 |
| Net loans and leases to core deposits | 126.0747% | 405 |
| Total domestic deposits to total assets | 79.9298% | 4,250 |
| Equity capital to assets | 13.0473% | 1,273 |
| Core capital (leverage) ratio | 13.0962% | 1,184 |
| Tier 1 risk-based capital ratio | 16.2161% | 2,361 |
| Total risk-based capital ratio | 17.4863% | 2,296 |
| Memoranda: | ||
| Average total assets | $335,240,670 | 1,986 |
| Average earning assets | $324,447,330 | 1,930 |
| Average equity | $42,998,670 | 1,742 |
| Average total loans | $285,749,000 | 1,660 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8240% | 1,021 |
| Cost of funding earning assets | 0.7577% | 1,151 |
| Net interest margin | 4.0663% | 1,520 |
| Noninterest income to average assets | 0.0791% | 5,399 |
| Noninterest expense to average assets | 2.3908% | 3,970 |
| Loan and lease loss provision to assets | -0.8784% | 5,593 |
| Net operating income to assets | 1.7868% | 577 |
| Return on assets (ROA) | 1.7868% | 581 |
| Pretax return on assets | 2.4963% | 215 |
| Return on Equity (ROE) | 14.0536% | 1,001 |
| Retained earnings to average equity (ytd only) | 12.7057% | 565 |
| Net charge-offs to loans | -1.0323% | 5,540 |
| Credit loss provision to net charge-offs | 99.7279% | 1,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6413% | 4,114 |
| Assets per employee ($millions) | 8.6751% | 497 |
| Cash dividends to net income (ytd only)* | 9.5909% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7624% | 199 |
| Loan loss allowance to noncurrent loans | 6,362.4000% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.2654% | 3,806 |
| Noncurrent loans to loans | 0.0434% | 4,780 |
| Net loans and leases to total assets | 84.9214% | 346 |
| Net loans and leases to deposits | 106.9880% | 347 |
| Net loans and leases to core deposits | 128.0087% | 377 |
| Total domestic deposits to total assets | 79.3747% | 4,514 |
| Equity capital to assets | 13.0786% | 1,202 |
| Core capital (leverage) ratio | 12.8891% | 1,215 |
| Tier 1 risk-based capital ratio | 15.7475% | 2,571 |
| Total risk-based capital ratio | 17.0181% | 2,518 |
| Memoranda: | ||
| Average total assets | $333,779,500 | 2,002 |
| Average earning assets | $322,553,500 | 1,954 |
| Average equity | $42,437,500 | 1,775 |
| Average total loans | $284,788,000 | 1,676 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1606% | 2,837 |
| Cost of funding earning assets | 0.7015% | 1,008 |
| Net interest margin | 3.4591% | 3,659 |
| Noninterest income to average assets | 0.1083% | 5,379 |
| Noninterest expense to average assets | 1.6669% | 5,364 |
| Loan and lease loss provision to assets | -0.3035% | 5,616 |
| Net operating income to assets | 1.0648% | 1,995 |
| Return on assets (ROA) | 1.0648% | 2,018 |
| Pretax return on assets | 2.0756% | 411 |
| Return on Equity (ROE) | 8.7224% | 2,439 |
| Retained earnings to average equity (ytd only) | 7.3030% | 981 |
| Net charge-offs to loans | 0.0054% | 3,896 |
| Credit loss provision to net charge-offs | -6,666.6667% | 5,252 |
| Earnings coverage of net charge-offs (x) | 389.3333% | 226 |
| Efficiency ratio | 48.4691% | 5,288 |
| Assets per employee ($millions) | 8.8923% | 465 |
| Cash dividends to net income (ytd only)* | 16.2724% | 3,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8227% | 175 |
| Loan loss allowance to noncurrent loans | 6,412.0968% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.4614% | 3,026 |
| Noncurrent loans to loans | 0.0440% | 4,801 |
| Net loans and leases to total assets | 81.0066% | 834 |
| Net loans and leases to deposits | 100.8842% | 667 |
| Net loans and leases to core deposits | 120.4112% | 571 |
| Total domestic deposits to total assets | 80.2966% | 4,282 |
| Equity capital to assets | 12.3588% | 1,595 |
| Core capital (leverage) ratio | 12.4383% | 1,384 |
| Tier 1 risk-based capital ratio | 15.5535% | 2,604 |
| Total risk-based capital ratio | 16.8247% | 2,536 |
| Memoranda: | ||
| Average total assets | $329,540,400 | 2,011 |
| Average earning assets | $317,308,000 | 1,950 |
| Average equity | $40,229,800 | 1,854 |
| Average total loans | $276,872,400 | 1,675 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1449% | 2,815 |
| Cost of funding earning assets | 0.6843% | 1,044 |
| Net interest margin | 3.4606% | 3,636 |
| Noninterest income to average assets | 0.1140% | 5,426 |
| Noninterest expense to average assets | 1.7529% | 5,320 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0310% | 2,408 |
| Return on assets (ROA) | 1.0310% | 2,447 |
| Pretax return on assets | 1.6906% | 1,149 |
| Return on Equity (ROE) | 8.4722% | 2,895 |
| Retained earnings to average equity (ytd only) | 7.0401% | 1,672 |
| Net charge-offs to loans | 0.0058% | 3,523 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 345.9913% | 271 |
| Efficiency ratio | 50.9046% | 5,185 |
| Assets per employee ($millions) | 8.6849% | 486 |
| Cash dividends to net income (ytd only)* | 16.9035% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2484% | 118 |
| Loan loss allowance to noncurrent loans | 5,929.8013% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.4806% | 3,129 |
| Noncurrent loans to loans | 0.0548% | 4,865 |
| Net loans and leases to total assets | 80.8086% | 871 |
| Net loans and leases to deposits | 101.1653% | 665 |
| Net loans and leases to core deposits | 121.4539% | 538 |
| Total domestic deposits to total assets | 79.8778% | 4,338 |
| Equity capital to assets | 12.4023% | 1,717 |
| Core capital (leverage) ratio | 12.3224% | 1,497 |
| Tier 1 risk-based capital ratio | 15.4768% | 2,713 |
| Total risk-based capital ratio | 16.7532% | 2,660 |
| Memoranda: | ||
| Average total assets | $327,449,000 | 2,036 |
| Average earning assets | $315,045,750 | 1,975 |
| Average equity | $39,847,000 | 1,880 |
| Average total loans | $275,671,250 | 1,689 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0772% | 2,900 |
| Cost of funding earning assets | 0.6650% | 1,064 |
| Net interest margin | 3.4122% | 3,733 |
| Noninterest income to average assets | 0.1219% | 5,441 |
| Noninterest expense to average assets | 1.7637% | 5,350 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0019% | 2,420 |
| Return on assets (ROA) | 1.0019% | 2,458 |
| Pretax return on assets | 1.6418% | 1,219 |
| Return on Equity (ROE) | 8.2866% | 2,877 |
| Retained earnings to average equity (ytd only) | 6.8430% | 1,672 |
| Net charge-offs to loans | -0.0065% | 4,404 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7892% | 5,197 |
| Assets per employee ($millions) | 8.7431% | 459 |
| Cash dividends to net income (ytd only)* | 17.4205% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2543% | 128 |
| Loan loss allowance to noncurrent loans | 751.5913% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.7913% | 2,227 |
| Noncurrent loans to loans | 0.4330% | 3,463 |
| Net loans and leases to total assets | 80.2988% | 910 |
| Net loans and leases to deposits | 100.0619% | 731 |
| Net loans and leases to core deposits | 120.1795% | 554 |
| Total domestic deposits to total assets | 80.2492% | 4,357 |
| Equity capital to assets | 12.0928% | 1,868 |
| Core capital (leverage) ratio | 12.1320% | 1,569 |
| Tier 1 risk-based capital ratio | 15.1229% | 2,875 |
| Total risk-based capital ratio | 16.3992% | 2,798 |
| Memoranda: | ||
| Average total assets | $326,589,330 | 2,043 |
| Average earning assets | $314,281,000 | 1,982 |
| Average equity | $39,485,670 | 1,894 |
| Average total loans | $275,680,000 | 1,688 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0453% | 2,876 |
| Cost of funding earning assets | 0.6483% | 1,086 |
| Net interest margin | 3.3970% | 3,662 |
| Noninterest income to average assets | 0.0852% | 5,627 |
| Noninterest expense to average assets | 1.7754% | 5,409 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9600% | 2,477 |
| Return on assets (ROA) | 0.9600% | 2,536 |
| Pretax return on assets | 1.5727% | 1,303 |
| Return on Equity (ROE) | 7.9407% | 2,955 |
| Retained earnings to average equity (ytd only) | 6.4793% | 2,094 |
| Net charge-offs to loans | -0.0131% | 4,527 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0258% | 5,202 |
| Assets per employee ($millions) | 8.5318% | 499 |
| Cash dividends to net income (ytd only)* | 18.4041% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2405% | 139 |
| Loan loss allowance to noncurrent loans | 755.3872% | 740 |
| Noncurrent assets plus other real estate owned to assets | 1.1671% | 1,508 |
| Noncurrent loans to loans | 0.4290% | 3,558 |
| Net loans and leases to total assets | 82.6504% | 496 |
| Net loans and leases to deposits | 102.3799% | 480 |
| Net loans and leases to core deposits | 123.4536% | 373 |
| Total domestic deposits to total assets | 80.7292% | 4,475 |
| Equity capital to assets | 12.1702% | 1,727 |
| Core capital (leverage) ratio | 12.1765% | 1,517 |
| Tier 1 risk-based capital ratio | 14.6823% | 3,124 |
| Total risk-based capital ratio | 15.9581% | 3,036 |
| Memoranda: | ||
| Average total assets | $323,764,500 | 2,076 |
| Average earning assets | $310,978,000 | 2,022 |
| Average equity | $39,140,000 | 1,908 |
| Average total loans | $275,641,000 | 1,697 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0002% | 3,198 |
| Cost of funding earning assets | 0.6198% | 1,212 |
| Net interest margin | 3.3804% | 3,891 |
| Noninterest income to average assets | 0.1095% | 5,619 |
| Noninterest expense to average assets | 1.6049% | 5,646 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0687% | 2,040 |
| Return on assets (ROA) | 1.0687% | 2,146 |
| Pretax return on assets | 1.7502% | 887 |
| Return on Equity (ROE) | 9.1305% | 2,356 |
| Retained earnings to average equity (ytd only) | -0.7644% | 5,417 |
| Net charge-offs to loans | 0.1469% | 1,794 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 14.4351% | 2,288 |
| Efficiency ratio | 47.8345% | 5,578 |
| Assets per employee ($millions) | 8.5084% | 497 |
| Cash dividends to net income (ytd only)* | 108.3718% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2681% | 133 |
| Loan loss allowance to noncurrent loans | 777.6236% | 738 |
| Noncurrent assets plus other real estate owned to assets | 1.1595% | 1,583 |
| Noncurrent loans to loans | 0.4203% | 3,632 |
| Net loans and leases to total assets | 82.0802% | 594 |
| Net loans and leases to deposits | 103.2603% | 450 |
| Net loans and leases to core deposits | 125.7533% | 350 |
| Total domestic deposits to total assets | 79.4887% | 4,682 |
| Equity capital to assets | 12.0076% | 1,799 |
| Core capital (leverage) ratio | 12.0864% | 1,550 |
| Tier 1 risk-based capital ratio | 14.7017% | 3,102 |
| Total risk-based capital ratio | 15.9782% | 3,031 |
| Memoranda: | ||
| Average total assets | $324,126,400 | 2,037 |
| Average earning assets | $311,210,200 | 1,967 |
| Average equity | $37,938,800 | 1,930 |
| Average total loans | $267,554,400 | 1,688 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0044% | 3,216 |
| Cost of funding earning assets | 0.6160% | 1,235 |
| Net interest margin | 3.3885% | 3,895 |
| Noninterest income to average assets | 0.1209% | 5,641 |
| Noninterest expense to average assets | 1.6563% | 5,637 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0495% | 2,201 |
| Return on assets (ROA) | 1.0495% | 2,327 |
| Pretax return on assets | 1.7188% | 1,065 |
| Return on Equity (ROE) | 9.0247% | 2,472 |
| Retained earnings to average equity (ytd only) | -3.8425% | 5,687 |
| Net charge-offs to loans | 0.1876% | 1,242 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 11.1792% | 2,518 |
| Efficiency ratio | 49.0743% | 5,552 |
| Assets per employee ($millions) | 8.4459% | 492 |
| Cash dividends to net income (ytd only)* | 142.5775% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3802% | 127 |
| Loan loss allowance to noncurrent loans | 769.2637% | 742 |
| Noncurrent assets plus other real estate owned to assets | 1.1728% | 1,709 |
| Noncurrent loans to loans | 0.4394% | 3,705 |
| Net loans and leases to total assets | 80.0212% | 895 |
| Net loans and leases to deposits | 100.7797% | 653 |
| Net loans and leases to core deposits | 120.0645% | 500 |
| Total domestic deposits to total assets | 79.4021% | 4,638 |
| Equity capital to assets | 11.8516% | 2,216 |
| Core capital (leverage) ratio | 11.7225% | 1,863 |
| Tier 1 risk-based capital ratio | 14.8379% | 3,132 |
| Total risk-based capital ratio | 16.1160% | 3,047 |
| Memoranda: | ||
| Average total assets | $324,328,250 | 2,042 |
| Average earning assets | $311,480,000 | 1,968 |
| Average equity | $37,717,750 | 1,949 |
| Average total loans | $265,856,250 | 1,699 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0020% | 3,238 |
| Cost of funding earning assets | 0.6026% | 1,294 |
| Net interest margin | 3.3994% | 3,893 |
| Noninterest income to average assets | 0.0953% | 5,799 |
| Noninterest expense to average assets | 1.6525% | 5,718 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0435% | 2,213 |
| Return on assets (ROA) | 1.0435% | 2,336 |
| Pretax return on assets | 1.7084% | 1,067 |
| Return on Equity (ROE) | 9.0292% | 2,484 |
| Retained earnings to average equity (ytd only) | -10.3267% | 5,888 |
| Net charge-offs to loans | 0.2776% | 863 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 7.5339% | 2,615 |
| Efficiency ratio | 49.1680% | 5,610 |
| Assets per employee ($millions) | 8.9229% | 402 |
| Cash dividends to net income (ytd only)* | 214.3698% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4674% | 127 |
| Loan loss allowance to noncurrent loans | 778.3550% | 732 |
| Noncurrent assets plus other real estate owned to assets | 1.1362% | 1,858 |
| Noncurrent loans to loans | 0.4455% | 3,769 |
| Net loans and leases to total assets | 75.8084% | 1,522 |
| Net loans and leases to deposits | 95.4826% | 1,135 |
| Net loans and leases to core deposits | 112.6647% | 783 |
| Total domestic deposits to total assets | 79.3949% | 4,694 |
| Equity capital to assets | 11.2668% | 2,779 |
| Core capital (leverage) ratio | 11.3679% | 2,086 |
| Tier 1 risk-based capital ratio | 14.5747% | 3,278 |
| Total risk-based capital ratio | 15.8528% | 3,194 |
| Memoranda: | ||
| Average total assets | $325,456,000 | 2,039 |
| Average earning assets | $312,643,000 | 1,973 |
| Average equity | $37,611,330 | 1,960 |
| Average total loans | $265,872,000 | 1,693 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0647% | 2,988 |
| Cost of funding earning assets | 0.5902% | 1,406 |
| Net interest margin | 3.4744% | 3,575 |
| Noninterest income to average assets | 0.0904% | 5,850 |
| Noninterest expense to average assets | 1.6948% | 5,754 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0597% | 2,051 |
| Return on assets (ROA) | 1.0597% | 2,160 |
| Pretax return on assets | 1.7332% | 980 |
| Return on Equity (ROE) | 9.0538% | 2,403 |
| Retained earnings to average equity (ytd only) | -27.6373% | 6,016 |
| Net charge-offs to loans | 0.3477% | 639 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.9829% | 2,277 |
| Efficiency ratio | 49.4402% | 5,656 |
| Assets per employee ($millions) | 8.7628% | 425 |
| Cash dividends to net income (ytd only)* | 405.2570% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4010% | 150 |
| Loan loss allowance to noncurrent loans | 3,041.6667% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.8516% | 2,559 |
| Noncurrent loans to loans | 0.1118% | 5,026 |
| Net loans and leases to total assets | 79.9388% | 821 |
| Net loans and leases to deposits | 99.9780% | 623 |
| Net loans and leases to core deposits | 114.4338% | 650 |
| Total domestic deposits to total assets | 79.9564% | 4,756 |
| Equity capital to assets | 11.2660% | 2,660 |
| Core capital (leverage) ratio | 11.1926% | 2,230 |
| Tier 1 risk-based capital ratio | 13.8834% | 3,767 |
| Total risk-based capital ratio | 15.1615% | 3,678 |
| Memoranda: | ||
| Average total assets | $323,110,500 | 2,067 |
| Average earning assets | $310,381,000 | 1,994 |
| Average equity | $37,818,500 | 1,943 |
| Average total loans | $269,173,500 | 1,672 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2186% | 2,501 |
| Cost of funding earning assets | 0.5715% | 1,584 |
| Net interest margin | 3.6471% | 2,952 |
| Noninterest income to average assets | 0.0907% | 5,902 |
| Noninterest expense to average assets | 1.6962% | 5,842 |
| Loan and lease loss provision to assets | 0.0420% | 3,498 |
| Net operating income to assets | 1.1278% | 1,814 |
| Return on assets (ROA) | 1.1278% | 1,874 |
| Pretax return on assets | 1.8524% | 721 |
| Return on Equity (ROE) | 8.9755% | 2,470 |
| Retained earnings to average equity (ytd only) | -1.2407% | 5,686 |
| Net charge-offs to loans | -0.1987% | 5,951 |
| Credit loss provision to net charge-offs | -25.0000% | 5,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2402% | 5,870 |
| Assets per employee ($millions) | 8.4736% | 464 |
| Cash dividends to net income (ytd only)* | 113.8237% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4658% | 132 |
| Loan loss allowance to noncurrent loans | 519.0793% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.9205% | 2,364 |
| Noncurrent loans to loans | 0.6677% | 3,194 |
| Net loans and leases to total assets | 80.9580% | 720 |
| Net loans and leases to deposits | 101.8719% | 545 |
| Net loans and leases to core deposits | 116.2902% | 596 |
| Total domestic deposits to total assets | 79.4704% | 4,873 |
| Equity capital to assets | 12.1460% | 1,850 |
| Core capital (leverage) ratio | 12.2568% | 1,477 |
| Tier 1 risk-based capital ratio | 14.7684% | 3,291 |
| Total risk-based capital ratio | 16.0468% | 3,211 |
| Memoranda: | ||
| Average total assets | $309,812,400 | 2,093 |
| Average earning assets | $297,302,200 | 2,032 |
| Average equity | $38,928,400 | 1,850 |
| Average total loans | $261,724,600 | 1,660 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2004% | 2,569 |
| Cost of funding earning assets | 0.5671% | 1,651 |
| Net interest margin | 3.6333% | 3,020 |
| Noninterest income to average assets | 0.0913% | 5,989 |
| Noninterest expense to average assets | 1.7477% | 5,853 |
| Loan and lease loss provision to assets | 0.0565% | 3,059 |
| Net operating income to assets | 1.0774% | 2,106 |
| Return on assets (ROA) | 1.0774% | 2,188 |
| Pretax return on assets | 1.7707% | 948 |
| Return on Equity (ROE) | 8.5005% | 2,824 |
| Retained earnings to average equity (ytd only) | -4.7252% | 6,017 |
| Net charge-offs to loans | -0.2378% | 6,035 |
| Credit loss provision to net charge-offs | -28.0778% | 4,911 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8875% | 5,829 |
| Assets per employee ($millions) | 8.1660% | 500 |
| Cash dividends to net income (ytd only)* | 155.5870% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4853% | 153 |
| Loan loss allowance to noncurrent loans | 515.9179% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.9552% | 2,462 |
| Noncurrent loans to loans | 0.6756% | 3,299 |
| Net loans and leases to total assets | 83.0102% | 472 |
| Net loans and leases to deposits | 103.3349% | 482 |
| Net loans and leases to core deposits | 117.3377% | 549 |
| Total domestic deposits to total assets | 80.3312% | 4,665 |
| Equity capital to assets | 12.3280% | 1,851 |
| Core capital (leverage) ratio | 12.2327% | 1,548 |
| Tier 1 risk-based capital ratio | 14.4062% | 3,624 |
| Total risk-based capital ratio | 15.6840% | 3,522 |
| Memoranda: | ||
| Average total assets | $306,766,000 | 2,124 |
| Average earning assets | $294,121,500 | 2,061 |
| Average equity | $38,883,000 | 1,867 |
| Average total loans | $259,645,250 | 1,683 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1450% | 2,736 |
| Cost of funding earning assets | 0.5521% | 1,795 |
| Net interest margin | 3.5929% | 3,117 |
| Noninterest income to average assets | 0.0857% | 6,071 |
| Noninterest expense to average assets | 1.7756% | 5,882 |
| Loan and lease loss provision to assets | 0.0851% | 2,416 |
| Net operating income to assets | 1.0184% | 2,304 |
| Return on assets (ROA) | 1.0184% | 2,409 |
| Pretax return on assets | 1.6748% | 1,134 |
| Return on Equity (ROE) | 7.9606% | 3,080 |
| Retained earnings to average equity (ytd only) | -11.1582% | 6,193 |
| Net charge-offs to loans | 0.0148% | 3,419 |
| Credit loss provision to net charge-offs | 684.2105% | 497 |
| Earnings coverage of net charge-offs (x) | 141.5263% | 448 |
| Efficiency ratio | 50.2221% | 5,845 |
| Assets per employee ($millions) | 7.9029% | 550 |
| Cash dividends to net income (ytd only)* | 240.1671% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3561% | 184 |
| Loan loss allowance to noncurrent loans | 230.5280% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 1.6180% | 1,488 |
| Noncurrent loans to loans | 1.4558% | 1,823 |
| Net loans and leases to total assets | 82.4051% | 516 |
| Net loans and leases to deposits | 103.0641% | 498 |
| Net loans and leases to core deposits | 115.9390% | 596 |
| Total domestic deposits to total assets | 79.9552% | 4,881 |
| Equity capital to assets | 12.1477% | 1,917 |
| Core capital (leverage) ratio | 12.1324% | 1,577 |
| Tier 1 risk-based capital ratio | 14.1588% | 3,839 |
| Total risk-based capital ratio | 15.3210% | 3,819 |
| Memoranda: | ||
| Average total assets | $305,585,000 | 2,148 |
| Average earning assets | $293,411,670 | 2,086 |
| Average equity | $39,092,330 | 1,858 |
| Average total loans | $257,230,330 | 1,699 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1200% | 2,752 |
| Cost of funding earning assets | 0.5383% | 1,940 |
| Net interest margin | 3.5817% | 3,075 |
| Noninterest income to average assets | 0.0881% | 6,129 |
| Noninterest expense to average assets | 1.7761% | 5,929 |
| Loan and lease loss provision to assets | 0.1709% | 1,157 |
| Net operating income to assets | 0.9570% | 2,465 |
| Return on assets (ROA) | 0.9570% | 2,600 |
| Pretax return on assets | 1.5789% | 1,319 |
| Return on Equity (ROE) | 7.2950% | 3,338 |
| Retained earnings to average equity (ytd only) | 5.9221% | 2,540 |
| Net charge-offs to loans | 0.0503% | 2,285 |
| Credit loss provision to net charge-offs | 406.2500% | 654 |
| Earnings coverage of net charge-offs (x) | 41.5938% | 952 |
| Efficiency ratio | 50.3729% | 5,894 |
| Assets per employee ($millions) | 8.5904% | 417 |
| Cash dividends to net income (ytd only)* | 18.8187% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3983% | 201 |
| Loan loss allowance to noncurrent loans | 230.1882% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 1.6126% | 1,584 |
| Noncurrent loans to loans | 1.4763% | 1,917 |
| Net loans and leases to total assets | 80.9542% | 575 |
| Net loans and leases to deposits | 101.5998% | 475 |
| Net loans and leases to core deposits | 114.2678% | 573 |
| Total domestic deposits to total assets | 79.6795% | 5,128 |
| Equity capital to assets | 13.0071% | 1,401 |
| Core capital (leverage) ratio | 13.0834% | 1,126 |
| Tier 1 risk-based capital ratio | 15.3465% | 3,231 |
| Total risk-based capital ratio | 16.5081% | 3,212 |
| Memoranda: | ||
| Average total assets | $304,270,500 | 2,173 |
| Average earning assets | $292,041,500 | 2,103 |
| Average equity | $39,918,000 | 1,834 |
| Average total loans | $254,443,500 | 1,710 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1884% | 2,985 |
| Cost of funding earning assets | 0.5664% | 2,079 |
| Net interest margin | 3.6220% | 3,329 |
| Noninterest income to average assets | 0.1723% | 5,824 |
| Noninterest expense to average assets | 1.6753% | 6,185 |
| Loan and lease loss provision to assets | 0.4517% | 368 |
| Net operating income to assets | 0.8932% | 2,908 |
| Return on assets (ROA) | 0.8932% | 2,994 |
| Pretax return on assets | 1.4937% | 1,565 |
| Return on Equity (ROE) | 7.0035% | 3,634 |
| Retained earnings to average equity (ytd only) | 5.4313% | 2,310 |
| Net charge-offs to loans | 0.9421% | 337 |
| Credit loss provision to net charge-offs | 59.5717% | 3,294 |
| Earnings coverage of net charge-offs (x) | 2.5656% | 4,120 |
| Efficiency ratio | 46.2700% | 6,258 |
| Assets per employee ($millions) | 7.8760% | 555 |
| Cash dividends to net income (ytd only)* | 22.4490% | 3,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4874% | 185 |
| Loan loss allowance to noncurrent loans | 173.0723% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 1.6813% | 1,596 |
| Noncurrent loans to loans | 2.0150% | 1,378 |
| Net loans and leases to total assets | 80.5304% | 665 |
| Net loans and leases to deposits | 98.4909% | 723 |
| Net loans and leases to core deposits | 112.5081% | 669 |
| Total domestic deposits to total assets | 81.7643% | 4,503 |
| Equity capital to assets | 13.2351% | 1,256 |
| Core capital (leverage) ratio | 13.0367% | 1,122 |
| Tier 1 risk-based capital ratio | 15.8050% | 3,056 |
| Total risk-based capital ratio | 16.9616% | 3,054 |
| Memoranda: | ||
| Average total assets | $301,738,800 | 2,152 |
| Average earning assets | $287,271,800 | 2,077 |
| Average equity | $38,480,800 | 1,834 |
| Average total loans | $242,859,600 | 1,738 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2064% | 2,966 |
| Cost of funding earning assets | 0.5686% | 2,117 |
| Net interest margin | 3.6378% | 3,279 |
| Noninterest income to average assets | 0.1980% | 5,738 |
| Noninterest expense to average assets | 1.7211% | 6,191 |
| Loan and lease loss provision to assets | 0.5433% | 266 |
| Net operating income to assets | 0.8308% | 3,286 |
| Return on assets (ROA) | 0.8308% | 3,370 |
| Pretax return on assets | 1.3900% | 2,051 |
| Return on Equity (ROE) | 6.5761% | 3,917 |
| Retained earnings to average equity (ytd only) | 4.9460% | 3,115 |
| Net charge-offs to loans | 0.2958% | 1,332 |
| Credit loss provision to net charge-offs | 230.2804% | 1,132 |
| Earnings coverage of net charge-offs (x) | 8.1943% | 2,840 |
| Efficiency ratio | 47.0979% | 6,241 |
| Assets per employee ($millions) | 7.7986% | 559 |
| Cash dividends to net income (ytd only)* | 24.7876% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1420% | 146 |
| Loan loss allowance to noncurrent loans | 624.2296% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.5442% | 4,240 |
| Noncurrent loans to loans | 0.6635% | 3,951 |
| Net loans and leases to total assets | 78.6111% | 880 |
| Net loans and leases to deposits | 95.6946% | 908 |
| Net loans and leases to core deposits | 109.0918% | 790 |
| Total domestic deposits to total assets | 82.1479% | 4,430 |
| Equity capital to assets | 12.8229% | 1,511 |
| Core capital (leverage) ratio | 12.7680% | 1,278 |
| Tier 1 risk-based capital ratio | 15.2446% | 3,450 |
| Total risk-based capital ratio | 16.4092% | 3,436 |
| Memoranda: | ||
| Average total assets | $302,351,750 | 2,161 |
| Average earning assets | $287,271,250 | 2,098 |
| Average equity | $38,198,250 | 1,855 |
| Average total loans | $241,143,000 | 1,757 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1819% | 3,021 |
| Cost of funding earning assets | 0.5626% | 2,238 |
| Net interest margin | 3.6193% | 3,285 |
| Noninterest income to average assets | 0.2207% | 5,628 |
| Noninterest expense to average assets | 1.7266% | 6,241 |
| Loan and lease loss provision to assets | 0.6880% | 195 |
| Net operating income to assets | 0.7430% | 3,607 |
| Return on assets (ROA) | 0.7430% | 3,710 |
| Pretax return on assets | 1.2427% | 2,489 |
| Return on Equity (ROE) | 5.9107% | 4,205 |
| Retained earnings to average equity (ytd only) | 3.9809% | 3,652 |
| Net charge-offs to loans | 0.4489% | 904 |
| Credit loss provision to net charge-offs | 194.0187% | 1,207 |
| Earnings coverage of net charge-offs (x) | 5.4449% | 2,927 |
| Efficiency ratio | 47.2091% | 6,317 |
| Assets per employee ($millions) | 7.8106% | 544 |
| Cash dividends to net income (ytd only)* | 32.6494% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1873% | 154 |
| Loan loss allowance to noncurrent loans | 552.1242% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.6027% | 4,173 |
| Noncurrent loans to loans | 0.7584% | 3,806 |
| Net loans and leases to total assets | 76.1469% | 1,142 |
| Net loans and leases to deposits | 92.3193% | 1,115 |
| Net loans and leases to core deposits | 104.6134% | 977 |
| Total domestic deposits to total assets | 82.4821% | 4,478 |
| Equity capital to assets | 12.5913% | 1,588 |
| Core capital (leverage) ratio | 12.5547% | 1,369 |
| Tier 1 risk-based capital ratio | 15.4036% | 3,409 |
| Total risk-based capital ratio | 16.5662% | 3,411 |
| Memoranda: | ||
| Average total assets | $301,754,330 | 2,159 |
| Average earning assets | $286,523,330 | 2,099 |
| Average equity | $37,931,000 | 1,858 |
| Average total loans | $238,383,330 | 1,768 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1136% | 3,229 |
| Cost of funding earning assets | 0.5650% | 2,293 |
| Net interest margin | 3.5486% | 3,489 |
| Noninterest income to average assets | 0.1558% | 6,036 |
| Noninterest expense to average assets | 1.7088% | 6,339 |
| Loan and lease loss provision to assets | 0.8058% | 148 |
| Net operating income to assets | 0.6007% | 4,201 |
| Return on assets (ROA) | 0.6007% | 4,276 |
| Pretax return on assets | 1.0042% | 3,304 |
| Return on Equity (ROE) | 4.7827% | 4,648 |
| Retained earnings to average equity (ytd only) | 2.5027% | 4,568 |
| Net charge-offs to loans | 0.6426% | 571 |
| Credit loss provision to net charge-offs | 159.2105% | 1,205 |
| Earnings coverage of net charge-offs (x) | 3.5763% | 2,663 |
| Efficiency ratio | 48.5617% | 6,330 |
| Assets per employee ($millions) | 7.6473% | 582 |
| Cash dividends to net income (ytd only)* | 47.6718% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1655% | 166 |
| Loan loss allowance to noncurrent loans | 299.8479% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 1.1024% | 3,050 |
| Noncurrent loans to loans | 1.3892% | 2,703 |
| Net loans and leases to total assets | 76.0532% | 998 |
| Net loans and leases to deposits | 93.6798% | 822 |
| Net loans and leases to core deposits | 106.8181% | 726 |
| Total domestic deposits to total assets | 81.1843% | 5,185 |
| Equity capital to assets | 12.6835% | 1,466 |
| Core capital (leverage) ratio | 12.4402% | 1,412 |
| Tier 1 risk-based capital ratio | 15.7126% | 3,325 |
| Total risk-based capital ratio | 16.8723% | 3,333 |
| Memoranda: | ||
| Average total assets | $300,324,000 | 2,178 |
| Average earning assets | $284,619,500 | 2,114 |
| Average equity | $37,719,000 | 1,864 |
| Average total loans | $236,529,000 | 1,782 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3326% | 2,836 |
| Cost of funding earning assets | 0.5853% | 2,788 |
| Net interest margin | 3.7473% | 2,863 |
| Noninterest income to average assets | 0.1515% | 6,183 |
| Noninterest expense to average assets | 1.5966% | 6,518 |
| Loan and lease loss provision to assets | 1.0850% | 158 |
| Net operating income to assets | 0.6124% | 4,206 |
| Return on assets (ROA) | 0.6124% | 4,323 |
| Pretax return on assets | 1.0245% | 3,247 |
| Return on Equity (ROE) | 5.0100% | 4,628 |
| Retained earnings to average equity (ytd only) | 3.3788% | 3,825 |
| Net charge-offs to loans | 1.1338% | 483 |
| Credit loss provision to net charge-offs | 123.9048% | 1,918 |
| Earnings coverage of net charge-offs (x) | 2.4090% | 4,201 |
| Efficiency ratio | 43.0802% | 6,635 |
| Assets per employee ($millions) | 7.7539% | 529 |
| Cash dividends to net income (ytd only)* | 32.5594% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0753% | 192 |
| Loan loss allowance to noncurrent loans | 631.2582% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.5046% | 4,726 |
| Noncurrent loans to loans | 0.6456% | 4,366 |
| Net loans and leases to total assets | 74.9797% | 1,227 |
| Net loans and leases to deposits | 92.1423% | 1,037 |
| Net loans and leases to core deposits | 105.4148% | 826 |
| Total domestic deposits to total assets | 81.3739% | 5,078 |
| Equity capital to assets | 12.4370% | 1,543 |
| Core capital (leverage) ratio | 12.3860% | 1,409 |
| Tier 1 risk-based capital ratio | 15.4932% | 3,380 |
| Total risk-based capital ratio | 16.6513% | 3,375 |
| Memoranda: | ||
| Average total assets | $302,395,600 | 2,132 |
| Average earning assets | $286,849,800 | 2,064 |
| Average equity | $36,966,000 | 1,868 |
| Average total loans | $233,548,400 | 1,766 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3352% | 2,852 |
| Cost of funding earning assets | 0.5896% | 2,903 |
| Net interest margin | 3.7456% | 2,863 |
| Noninterest income to average assets | 0.1252% | 6,394 |
| Noninterest expense to average assets | 1.6182% | 6,540 |
| Loan and lease loss provision to assets | 1.0613% | 150 |
| Net operating income to assets | 0.5970% | 4,359 |
| Return on assets (ROA) | 0.5970% | 4,485 |
| Pretax return on assets | 0.9978% | 3,512 |
| Return on Equity (ROE) | 4.9050% | 4,771 |
| Retained earnings to average equity (ytd only) | 3.2640% | 4,352 |
| Net charge-offs to loans | 0.7685% | 773 |
| Credit loss provision to net charge-offs | 179.3592% | 1,349 |
| Earnings coverage of net charge-offs (x) | 3.4799% | 3,686 |
| Efficiency ratio | 44.0048% | 6,655 |
| Assets per employee ($millions) | 7.7562% | 519 |
| Cash dividends to net income (ytd only)* | 33.4561% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2521% | 199 |
| Loan loss allowance to noncurrent loans | 441.1043% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.7544% | 4,220 |
| Noncurrent loans to loans | 0.9640% | 3,886 |
| Net loans and leases to total assets | 74.9317% | 1,141 |
| Net loans and leases to deposits | 92.9430% | 904 |
| Net loans and leases to core deposits | 105.7626% | 773 |
| Total domestic deposits to total assets | 80.6210% | 5,330 |
| Equity capital to assets | 12.3034% | 1,711 |
| Core capital (leverage) ratio | 12.2279% | 1,551 |
| Tier 1 risk-based capital ratio | 15.3300% | 3,549 |
| Total risk-based capital ratio | 16.4876% | 3,553 |
| Memoranda: | ||
| Average total assets | $302,393,750 | 2,146 |
| Average earning assets | $286,761,500 | 2,081 |
| Average equity | $36,805,000 | 1,890 |
| Average total loans | $232,842,000 | 1,768 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3881% | 2,608 |
| Cost of funding earning assets | 0.5941% | 2,992 |
| Net interest margin | 3.7940% | 2,577 |
| Noninterest income to average assets | 0.1277% | 6,416 |
| Noninterest expense to average assets | 1.6232% | 6,570 |
| Loan and lease loss provision to assets | 1.1086% | 154 |
| Net operating income to assets | 0.5940% | 4,319 |
| Return on assets (ROA) | 0.5940% | 4,503 |
| Pretax return on assets | 0.9948% | 3,533 |
| Return on Equity (ROE) | 4.8980% | 4,780 |
| Retained earnings to average equity (ytd only) | 3.2508% | 4,235 |
| Net charge-offs to loans | 0.7273% | 897 |
| Credit loss provision to net charge-offs | 199.0499% | 1,200 |
| Earnings coverage of net charge-offs (x) | 3.7767% | 3,303 |
| Efficiency ratio | 43.5570% | 6,720 |
| Assets per employee ($millions) | 7.8550% | 485 |
| Cash dividends to net income (ytd only)* | 33.6303% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2022% | 217 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 6,470 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 73.1800% | 1,376 |
| Net loans and leases to deposits | 89.4528% | 1,195 |
| Net loans and leases to core deposits | 100.9456% | 1,013 |
| Total domestic deposits to total assets | 81.8085% | 5,109 |
| Equity capital to assets | 12.0667% | 1,871 |
| Core capital (leverage) ratio | 12.0319% | 1,599 |
| Tier 1 risk-based capital ratio | 15.1777% | 3,656 |
| Total risk-based capital ratio | 16.3365% | 3,683 |
| Memoranda: | ||
| Average total assets | $302,360,670 | 2,149 |
| Average earning assets | $286,821,000 | 2,084 |
| Average equity | $36,667,670 | 1,904 |
| Average total loans | $231,546,330 | 1,778 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4217% | 2,446 |
| Cost of funding earning assets | 0.6161% | 2,959 |
| Net interest margin | 3.8056% | 2,429 |
| Noninterest income to average assets | 0.1345% | 6,424 |
| Noninterest expense to average assets | 1.6580% | 6,618 |
| Loan and lease loss provision to assets | 1.1053% | 152 |
| Net operating income to assets | 0.5873% | 4,285 |
| Return on assets (ROA) | 0.5873% | 4,431 |
| Pretax return on assets | 0.9908% | 3,393 |
| Return on Equity (ROE) | 4.8304% | 4,675 |
| Retained earnings to average equity (ytd only) | 3.1765% | 4,358 |
| Net charge-offs to loans | 0.9031% | 670 |
| Credit loss provision to net charge-offs | 159.6154% | 1,300 |
| Earnings coverage of net charge-offs (x) | 3.0269% | 2,864 |
| Efficiency ratio | 44.1646% | 6,768 |
| Assets per employee ($millions) | 7.6513% | 576 |
| Cash dividends to net income (ytd only)* | 34.2404% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0617% | 273 |
| Loan loss allowance to noncurrent loans | 7,630.3279% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 6,411 |
| Noncurrent loans to loans | 0.0532% | 6,313 |
| Net loans and leases to total assets | 73.6857% | 1,120 |
| Net loans and leases to deposits | 88.1932% | 1,126 |
| Net loans and leases to core deposits | 98.4252% | 1,050 |
| Total domestic deposits to total assets | 83.5503% | 4,648 |
| Equity capital to assets | 12.2916% | 1,843 |
| Core capital (leverage) ratio | 12.0484% | 1,538 |
| Tier 1 risk-based capital ratio | 15.3889% | 3,598 |
| Total risk-based capital ratio | 16.5467% | 3,610 |
| Memoranda: | ||
| Average total assets | $300,368,000 | 2,187 |
| Average earning assets | $285,682,500 | 2,119 |
| Average equity | $36,518,500 | 1,935 |
| Average total loans | $230,310,500 | 1,794 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8792% | 1,911 |
| Cost of funding earning assets | 0.6745% | 3,692 |
| Net interest margin | 4.2047% | 1,647 |
| Noninterest income to average assets | 0.1330% | 6,377 |
| Noninterest expense to average assets | 1.8212% | 6,599 |
| Loan and lease loss provision to assets | 1.1132% | 338 |
| Net operating income to assets | 0.6898% | 3,784 |
| Return on assets (ROA) | 0.6898% | 4,046 |
| Pretax return on assets | 1.1511% | 2,984 |
| Return on Equity (ROE) | 5.4277% | 4,468 |
| Retained earnings to average equity (ytd only) | 3.3371% | 3,874 |
| Net charge-offs to loans | 0.7175% | 1,643 |
| Credit loss provision to net charge-offs | 196.7762% | 1,323 |
| Earnings coverage of net charge-offs (x) | 4.0025% | 3,517 |
| Efficiency ratio | 44.5777% | 6,830 |
| Assets per employee ($millions) | 7.7522% | 568 |
| Cash dividends to net income (ytd only)* | 38.5174% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8888% | 311 |
| Loan loss allowance to noncurrent loans | 788.0911% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.4009% | 5,480 |
| Noncurrent loans to loans | 0.4934% | 5,299 |
| Net loans and leases to total assets | 73.5718% | 1,253 |
| Net loans and leases to deposits | 87.4028% | 1,343 |
| Net loans and leases to core deposits | 99.4545% | 1,054 |
| Total domestic deposits to total assets | 84.1756% | 4,237 |
| Equity capital to assets | 12.0260% | 2,031 |
| Core capital (leverage) ratio | 12.5334% | 1,308 |
| Tier 1 risk-based capital ratio | 15.2382% | 3,590 |
| Total risk-based capital ratio | 16.3985% | 3,587 |
| Memoranda: | ||
| Average total assets | $279,654,800 | 2,274 |
| Average earning assets | $262,873,600 | 2,210 |
| Average equity | $35,539,600 | 1,946 |
| Average total loans | $220,494,000 | 1,833 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9856% | 1,722 |
| Cost of funding earning assets | 0.6901% | 3,852 |
| Net interest margin | 4.2955% | 1,479 |
| Noninterest income to average assets | 0.1367% | 6,458 |
| Noninterest expense to average assets | 1.8969% | 6,528 |
| Loan and lease loss provision to assets | 1.1499% | 325 |
| Net operating income to assets | 0.6686% | 4,049 |
| Return on assets (ROA) | 0.6686% | 4,318 |
| Pretax return on assets | 1.1154% | 3,295 |
| Return on Equity (ROE) | 5.1846% | 4,731 |
| Retained earnings to average equity (ytd only) | 2.3810% | 5,143 |
| Net charge-offs to loans | 0.8664% | 1,269 |
| Credit loss provision to net charge-offs | 166.9965% | 1,664 |
| Earnings coverage of net charge-offs (x) | 3.2898% | 3,710 |
| Efficiency ratio | 45.5747% | 6,837 |
| Assets per employee ($millions) | 6.9974% | 740 |
| Cash dividends to net income (ytd only)* | 54.0757% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7952% | 359 |
| Loan loss allowance to noncurrent loans | 677.6973% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.4808% | 5,465 |
| Noncurrent loans to loans | 0.5600% | 5,324 |
| Net loans and leases to total assets | 78.1841% | 712 |
| Net loans and leases to deposits | 94.5464% | 751 |
| Net loans and leases to core deposits | 109.0256% | 606 |
| Total domestic deposits to total assets | 82.6938% | 4,757 |
| Equity capital to assets | 13.1101% | 1,541 |
| Core capital (leverage) ratio | 13.3170% | 1,068 |
| Tier 1 risk-based capital ratio | 15.7298% | 3,409 |
| Total risk-based capital ratio | 16.8826% | 3,423 |
| Memoranda: | ||
| Average total assets | $273,984,500 | 2,332 |
| Average earning assets | $256,761,250 | 2,285 |
| Average equity | $35,334,750 | 1,973 |
| Average total loans | $217,759,000 | 1,870 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9556% | 1,913 |
| Cost of funding earning assets | 0.7197% | 3,855 |
| Net interest margin | 4.2359% | 1,652 |
| Noninterest income to average assets | 0.1334% | 6,521 |
| Noninterest expense to average assets | 1.9049% | 6,585 |
| Loan and lease loss provision to assets | 1.1380% | 372 |
| Net operating income to assets | 0.6328% | 4,208 |
| Return on assets (ROA) | 0.6328% | 4,455 |
| Pretax return on assets | 1.0549% | 3,492 |
| Return on Equity (ROE) | 4.9336% | 4,836 |
| Retained earnings to average equity (ytd only) | 2.1201% | 5,134 |
| Net charge-offs to loans | 1.3076% | 811 |
| Credit loss provision to net charge-offs | 110.3180% | 2,469 |
| Earnings coverage of net charge-offs (x) | 2.1258% | 3,925 |
| Efficiency ratio | 46.4864% | 6,861 |
| Assets per employee ($millions) | 6.8152% | 808 |
| Cash dividends to net income (ytd only)* | 57.0276% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4929% | 498 |
| Loan loss allowance to noncurrent loans | 697.9835% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.4368% | 5,685 |
| Noncurrent loans to loans | 0.5004% | 5,537 |
| Net loans and leases to total assets | 79.1575% | 600 |
| Net loans and leases to deposits | 94.6885% | 719 |
| Net loans and leases to core deposits | 107.6393% | 676 |
| Total domestic deposits to total assets | 83.5978% | 4,487 |
| Equity capital to assets | 13.3160% | 1,387 |
| Core capital (leverage) ratio | 13.0922% | 1,124 |
| Tier 1 risk-based capital ratio | 15.7270% | 3,317 |
| Total risk-based capital ratio | 16.8751% | 3,338 |
| Memoranda: | ||
| Average total assets | $274,347,000 | 2,340 |
| Average earning assets | $256,759,000 | 2,292 |
| Average equity | $35,187,330 | 1,964 |
| Average total loans | $216,419,000 | 1,887 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8743% | 2,342 |
| Cost of funding earning assets | 0.7693% | 3,702 |
| Net interest margin | 4.1050% | 2,069 |
| Noninterest income to average assets | 0.1249% | 6,627 |
| Noninterest expense to average assets | 1.9453% | 6,560 |
| Loan and lease loss provision to assets | 1.0839% | 368 |
| Net operating income to assets | 0.5527% | 4,576 |
| Return on assets (ROA) | 0.5527% | 4,793 |
| Pretax return on assets | 0.9260% | 3,945 |
| Return on Equity (ROE) | 4.3894% | 5,101 |
| Retained earnings to average equity (ytd only) | 1.5619% | 5,455 |
| Net charge-offs to loans | 2.4469% | 343 |
| Credit loss provision to net charge-offs | 57.2403% | 3,166 |
| Earnings coverage of net charge-offs (x) | 1.0614% | 3,799 |
| Efficiency ratio | 49.1833% | 6,727 |
| Assets per employee ($millions) | 7.1423% | 703 |
| Cash dividends to net income (ytd only)* | 64.4156% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1999% | 686 |
| Loan loss allowance to noncurrent loans | 493.5668% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.5274% | 5,548 |
| Noncurrent loans to loans | 0.6483% | 5,346 |
| Net loans and leases to total assets | 74.9907% | 922 |
| Net loans and leases to deposits | 89.8763% | 976 |
| Net loans and leases to core deposits | 102.5630% | 836 |
| Total domestic deposits to total assets | 83.4377% | 4,737 |
| Equity capital to assets | 12.6380% | 1,636 |
| Core capital (leverage) ratio | 12.5019% | 1,344 |
| Tier 1 risk-based capital ratio | 15.6148% | 3,386 |
| Total risk-based capital ratio | 16.7637% | 3,417 |
| Memoranda: | ||
| Average total assets | $278,623,500 | 2,322 |
| Average earning assets | $259,975,500 | 2,278 |
| Average equity | $35,084,500 | 1,971 |
| Average total loans | $215,623,000 | 1,895 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1415% | 2,283 |
| Cost of funding earning assets | 0.9255% | 3,915 |
| Net interest margin | 4.2160% | 2,004 |
| Noninterest income to average assets | 0.1330% | 6,491 |
| Noninterest expense to average assets | 1.8844% | 6,849 |
| Loan and lease loss provision to assets | 1.5183% | 483 |
| Net operating income to assets | 0.4317% | 4,729 |
| Return on assets (ROA) | 0.4317% | 4,929 |
| Pretax return on assets | 0.7169% | 4,260 |
| Return on Equity (ROE) | 4.0031% | 4,847 |
| Retained earnings to average equity (ytd only) | -0.3355% | 5,907 |
| Net charge-offs to loans | 0.8981% | 1,932 |
| Credit loss provision to net charge-offs | 220.2779% | 1,103 |
| Earnings coverage of net charge-offs (x) | 3.2429% | 3,585 |
| Efficiency ratio | 45.7418% | 7,061 |
| Assets per employee ($millions) | 7.1461% | 679 |
| Cash dividends to net income (ytd only)* | 108.3813% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4671% | 547 |
| Loan loss allowance to noncurrent loans | 585.4232% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.4578% | 5,820 |
| Noncurrent loans to loans | 0.5922% | 5,527 |
| Net loans and leases to total assets | 74.6275% | 1,150 |
| Net loans and leases to deposits | 88.2950% | 1,341 |
| Net loans and leases to core deposits | 103.4818% | 932 |
| Total domestic deposits to total assets | 84.5206% | 4,081 |
| Equity capital to assets | 12.5462% | 1,775 |
| Core capital (leverage) ratio | 12.5850% | 1,316 |
| Tier 1 risk-based capital ratio | 15.7056% | 3,211 |
| Total risk-based capital ratio | 16.8536% | 3,221 |
| Memoranda: | ||
| Average total assets | $281,888,600 | 2,252 |
| Average earning assets | $266,558,800 | 2,192 |
| Average equity | $30,401,800 | 2,164 |
| Average total loans | $216,340,000 | 1,898 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1048% | 2,581 |
| Cost of funding earning assets | 0.9650% | 3,929 |
| Net interest margin | 4.1398% | 2,309 |
| Noninterest income to average assets | 0.1302% | 6,601 |
| Noninterest expense to average assets | 1.8696% | 6,892 |
| Loan and lease loss provision to assets | 1.4598% | 479 |
| Net operating income to assets | 0.4311% | 4,853 |
| Return on assets (ROA) | 0.4311% | 5,049 |
| Pretax return on assets | 0.7160% | 4,413 |
| Return on Equity (ROE) | 4.1648% | 4,930 |
| Retained earnings to average equity (ytd only) | 1.1665% | 5,546 |
| Net charge-offs to loans | 1.1094% | 1,432 |
| Credit loss provision to net charge-offs | 171.7536% | 1,751 |
| Earnings coverage of net charge-offs (x) | 2.5599% | 3,839 |
| Efficiency ratio | 46.2166% | 7,049 |
| Assets per employee ($millions) | 7.4809% | 579 |
| Cash dividends to net income (ytd only)* | 71.9909% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9880% | 869 |
| Loan loss allowance to noncurrent loans | 1,655.9278% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.1402% | 6,691 |
| Noncurrent loans to loans | 0.1804% | 6,512 |
| Net loans and leases to total assets | 75.3638% | 1,079 |
| Net loans and leases to deposits | 89.3110% | 1,287 |
| Net loans and leases to core deposits | 104.7131% | 939 |
| Total domestic deposits to total assets | 84.3836% | 4,063 |
| Equity capital to assets | 12.7988% | 1,717 |
| Core capital (leverage) ratio | 12.6797% | 1,356 |
| Tier 1 risk-based capital ratio | 16.1101% | 3,059 |
| Total risk-based capital ratio | 17.2606% | 3,075 |
| Memoranda: | ||
| Average total assets | $282,686,000 | 2,252 |
| Average earning assets | $267,348,250 | 2,192 |
| Average equity | $29,260,750 | 2,248 |
| Average total loans | $216,561,000 | 1,908 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0629% | 2,865 |
| Cost of funding earning assets | 1.0081% | 3,901 |
| Net interest margin | 4.0548% | 2,593 |
| Noninterest income to average assets | 0.1286% | 6,681 |
| Noninterest expense to average assets | 1.7221% | 7,159 |
| Loan and lease loss provision to assets | 1.5317% | 462 |
| Net operating income to assets | 0.4279% | 4,824 |
| Return on assets (ROA) | 0.4279% | 4,972 |
| Pretax return on assets | 0.7096% | 4,352 |
| Return on Equity (ROE) | 4.4770% | 4,709 |
| Retained earnings to average equity (ytd only) | 1.2497% | 5,356 |
| Net charge-offs to loans | 1.3166% | 1,160 |
| Credit loss provision to net charge-offs | 152.5542% | 2,002 |
| Earnings coverage of net charge-offs (x) | 2.2323% | 3,718 |
| Efficiency ratio | 43.4497% | 7,257 |
| Assets per employee ($millions) | 7.6551% | 533 |
| Cash dividends to net income (ytd only)* | 72.0854% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7154% | 1,166 |
| Loan loss allowance to noncurrent loans | 6,004.0816% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0346% | 7,013 |
| Noncurrent loans to loans | 0.0452% | 6,870 |
| Net loans and leases to total assets | 74.4256% | 1,340 |
| Net loans and leases to deposits | 88.7401% | 1,402 |
| Net loans and leases to core deposits | 103.5363% | 1,072 |
| Total domestic deposits to total assets | 83.8692% | 4,407 |
| Equity capital to assets | 9.6484% | 4,598 |
| Core capital (leverage) ratio | 9.5229% | 3,924 |
| Tier 1 risk-based capital ratio | 12.1115% | 5,700 |
| Total risk-based capital ratio | 13.2645% | 5,743 |
| Memoranda: | ||
| Average total assets | $284,650,670 | 2,249 |
| Average earning assets | $269,213,670 | 2,187 |
| Average equity | $27,205,670 | 2,369 |
| Average total loans | $217,072,670 | 1,928 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0444% | 2,885 |
| Cost of funding earning assets | 1.0483% | 3,859 |
| Net interest margin | 3.9961% | 2,699 |
| Noninterest income to average assets | 0.1318% | 6,755 |
| Noninterest expense to average assets | 1.7438% | 7,196 |
| Loan and lease loss provision to assets | 1.4536% | 449 |
| Net operating income to assets | 0.4289% | 4,811 |
| Return on assets (ROA) | 0.4289% | 4,900 |
| Pretax return on assets | 0.7121% | 4,259 |
| Return on Equity (ROE) | 4.5092% | 4,650 |
| Retained earnings to average equity (ytd only) | 1.2820% | 5,316 |
| Net charge-offs to loans | 2.3492% | 510 |
| Credit loss provision to net charge-offs | 81.2696% | 3,135 |
| Earnings coverage of net charge-offs (x) | 1.2108% | 3,757 |
| Efficiency ratio | 44.6038% | 7,263 |
| Assets per employee ($millions) | 7.6096% | 557 |
| Cash dividends to net income (ytd only)* | 71.5686% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2648% | 1,831 |
| Loan loss allowance to noncurrent loans | 306.0663% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.5679% | 5,837 |
| Noncurrent loans to loans | 0.7400% | 5,535 |
| Net loans and leases to total assets | 75.0083% | 1,176 |
| Net loans and leases to deposits | 89.5078% | 1,291 |
| Net loans and leases to core deposits | 103.8513% | 1,071 |
| Total domestic deposits to total assets | 83.8008% | 4,572 |
| Equity capital to assets | 9.6542% | 4,247 |
| Core capital (leverage) ratio | 9.4994% | 3,809 |
| Tier 1 risk-based capital ratio | 12.0871% | 5,612 |
| Total risk-based capital ratio | 13.2305% | 5,695 |
| Memoranda: | ||
| Average total assets | $285,356,000 | 2,263 |
| Average earning assets | $269,763,500 | 2,201 |
| Average equity | $27,144,500 | 2,361 |
| Average total loans | $217,265,500 | 1,946 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4113% | 2,620 |
| Cost of funding earning assets | 1.3523% | 3,555 |
| Net interest margin | 4.0590% | 2,757 |
| Noninterest income to average assets | 0.1518% | 6,632 |
| Noninterest expense to average assets | 1.6231% | 7,394 |
| Loan and lease loss provision to assets | 1.1469% | 1,387 |
| Net operating income to assets | 0.7201% | 3,146 |
| Return on assets (ROA) | 0.7201% | 3,273 |
| Pretax return on assets | 1.1659% | 2,342 |
| Return on Equity (ROE) | 7.8065% | 2,776 |
| Retained earnings to average equity (ytd only) | 4.7169% | 2,598 |
| Net charge-offs to loans | 0.8172% | 2,596 |
| Credit loss provision to net charge-offs | 181.6986% | 1,819 |
| Earnings coverage of net charge-offs (x) | 3.6641% | 3,247 |
| Efficiency ratio | 41.2390% | 7,485 |
| Assets per employee ($millions) | 7.8150% | 515 |
| Cash dividends to net income (ytd only)* | 39.5773% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3498% | 1,617 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 73.7712% | 1,703 |
| Net loans and leases to deposits | 87.5950% | 1,848 |
| Net loans and leases to core deposits | 104.3631% | 1,289 |
| Total domestic deposits to total assets | 84.2185% | 4,264 |
| Equity capital to assets | 9.3746% | 4,578 |
| Core capital (leverage) ratio | 9.2191% | 4,140 |
| Tier 1 risk-based capital ratio | 12.0522% | 5,425 |
| Total risk-based capital ratio | 13.1964% | 5,501 |
| Memoranda: | ||
| Average total assets | $289,132,400 | 2,220 |
| Average earning assets | $269,549,200 | 2,182 |
| Average equity | $26,670,200 | 2,401 |
| Average total loans | $223,330,000 | 1,946 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4654% | 2,581 |
| Cost of funding earning assets | 1.4026% | 3,569 |
| Net interest margin | 4.0628% | 2,798 |
| Noninterest income to average assets | 0.1674% | 6,674 |
| Noninterest expense to average assets | 1.6168% | 7,494 |
| Loan and lease loss provision to assets | 0.9749% | 1,532 |
| Net operating income to assets | 0.8273% | 2,886 |
| Return on assets (ROA) | 0.8273% | 3,031 |
| Pretax return on assets | 1.3387% | 2,069 |
| Return on Equity (ROE) | 9.0055% | 2,486 |
| Retained earnings to average equity (ytd only) | 5.9685% | 2,372 |
| Net charge-offs to loans | 1.0587% | 1,918 |
| Credit loss provision to net charge-offs | 118.5642% | 3,494 |
| Earnings coverage of net charge-offs (x) | 2.8138% | 3,732 |
| Efficiency ratio | 41.1358% | 7,551 |
| Assets per employee ($millions) | 7.8029% | 544 |
| Cash dividends to net income (ytd only)* | 33.7237% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7810% | 2,845 |
| Loan loss allowance to noncurrent loans | 2,079.5812% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0662% | 7,176 |
| Noncurrent loans to loans | 0.0856% | 7,019 |
| Net loans and leases to total assets | 75.8726% | 1,430 |
| Net loans and leases to deposits | 89.9774% | 1,721 |
| Net loans and leases to core deposits | 106.7968% | 1,252 |
| Total domestic deposits to total assets | 84.3240% | 3,950 |
| Equity capital to assets | 9.4001% | 4,982 |
| Core capital (leverage) ratio | 9.3418% | 4,144 |
| Tier 1 risk-based capital ratio | 11.7441% | 5,693 |
| Total risk-based capital ratio | 12.8690% | 5,798 |
| Memoranda: | ||
| Average total assets | $289,126,750 | 2,250 |
| Average earning assets | $267,788,500 | 2,235 |
| Average equity | $26,561,000 | 2,452 |
| Average total loans | $224,551,000 | 1,961 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4624% | 2,691 |
| Cost of funding earning assets | 1.4617% | 3,484 |
| Net interest margin | 4.0007% | 3,011 |
| Noninterest income to average assets | 0.1514% | 6,807 |
| Noninterest expense to average assets | 1.6082% | 7,562 |
| Loan and lease loss provision to assets | 0.9140% | 1,592 |
| Net operating income to assets | 0.8214% | 2,871 |
| Return on assets (ROA) | 0.8214% | 3,020 |
| Pretax return on assets | 1.3268% | 2,012 |
| Return on Equity (ROE) | 9.0108% | 2,461 |
| Retained earnings to average equity (ytd only) | 6.0831% | 2,288 |
| Net charge-offs to loans | 1.5551% | 1,226 |
| Credit loss provision to net charge-offs | 75.5429% | 4,824 |
| Earnings coverage of net charge-offs (x) | 1.8520% | 4,130 |
| Efficiency ratio | 41.7819% | 7,600 |
| Assets per employee ($millions) | 7.8925% | 523 |
| Cash dividends to net income (ytd only)* | 32.4916% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4289% | 4,292 |
| Loan loss allowance to noncurrent loans | 301.1246% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.3654% | 6,521 |
| Noncurrent loans to loans | 0.4745% | 6,303 |
| Net loans and leases to total assets | 75.8991% | 1,510 |
| Net loans and leases to deposits | 93.3922% | 1,356 |
| Net loans and leases to core deposits | 112.9852% | 979 |
| Total domestic deposits to total assets | 81.2692% | 5,306 |
| Equity capital to assets | 9.1431% | 5,230 |
| Core capital (leverage) ratio | 9.2488% | 4,211 |
| Tier 1 risk-based capital ratio | 11.5740% | 5,695 |
| Total risk-based capital ratio | 12.7124% | 5,781 |
| Memoranda: | ||
| Average total assets | $289,266,000 | 2,271 |
| Average earning assets | $267,355,330 | 2,247 |
| Average equity | $26,368,330 | 2,463 |
| Average total loans | $225,060,330 | 1,984 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4878% | 2,643 |
| Cost of funding earning assets | 1.5414% | 3,321 |
| Net interest margin | 3.9465% | 3,122 |
| Noninterest income to average assets | 0.1389% | 6,987 |
| Noninterest expense to average assets | 1.6298% | 7,632 |
| Loan and lease loss provision to assets | 0.4891% | 2,544 |
| Net operating income to assets | 1.0504% | 1,999 |
| Return on assets (ROA) | 1.0504% | 2,060 |
| Pretax return on assets | 1.7021% | 1,054 |
| Return on Equity (ROE) | 11.5409% | 1,627 |
| Retained earnings to average equity (ytd only) | 9.0068% | 1,402 |
| Net charge-offs to loans | 0.0018% | 5,600 |
| Credit loss provision to net charge-offs | 35,200.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 1,577.0000% | 11 |
| Efficiency ratio | 42.6545% | 7,661 |
| Assets per employee ($millions) | 7.8963% | 534 |
| Cash dividends to net income (ytd only)* | 21.9577% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7724% | 2,820 |
| Loan loss allowance to noncurrent loans | 277.3611% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.4929% | 6,254 |
| Noncurrent loans to loans | 0.6390% | 6,044 |
| Net loans and leases to total assets | 75.7629% | 1,592 |
| Net loans and leases to deposits | 92.6411% | 1,521 |
| Net loans and leases to core deposits | 131.0768% | 463 |
| Total domestic deposits to total assets | 81.7811% | 5,165 |
| Equity capital to assets | 9.0637% | 5,183 |
| Core capital (leverage) ratio | 9.1397% | 4,313 |
| Tier 1 risk-based capital ratio | 11.5175% | 5,656 |
| Total risk-based capital ratio | 12.6674% | 5,722 |
| Memoranda: | ||
| Average total assets | $287,888,000 | 2,329 |
| Average earning assets | $268,594,000 | 2,289 |
| Average equity | $26,202,500 | 2,500 |
| Average total loans | $225,163,000 | 2,037 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5128% | 4,076 |
| Cost of funding earning assets | 2.0707% | 2,627 |
| Net interest margin | 3.4421% | 5,207 |
| Noninterest income to average assets | 0.2073% | 6,621 |
| Noninterest expense to average assets | 1.6622% | 7,730 |
| Loan and lease loss provision to assets | 0.7087% | 2,993 |
| Net operating income to assets | 0.6847% | 2,997 |
| Return on assets (ROA) | 0.6847% | 3,059 |
| Pretax return on assets | 1.1044% | 2,238 |
| Return on Equity (ROE) | 7.9756% | 2,383 |
| Retained earnings to average equity (ytd only) | 5.8037% | 1,428 |
| Net charge-offs to loans | 0.0005% | 7,243 |
| Credit loss provision to net charge-offs | 183,200.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 4,687.0000% | 2 |
| Efficiency ratio | 47.8295% | 7,638 |
| Assets per employee ($millions) | 7.4635% | 659 |
| Cash dividends to net income (ytd only)* | 27.2316% | 3,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6188% | 3,203 |
| Loan loss allowance to noncurrent loans | 626.8503% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.2049% | 6,950 |
| Noncurrent loans to loans | 0.2582% | 6,779 |
| Net loans and leases to total assets | 78.0425% | 1,371 |
| Net loans and leases to deposits | 98.1108% | 1,092 |
| Net loans and leases to core deposits | 158.6345% | 356 |
| Total domestic deposits to total assets | 79.5453% | 5,835 |
| Equity capital to assets | 9.1407% | 4,929 |
| Core capital (leverage) ratio | 9.0671% | 4,309 |
| Tier 1 risk-based capital ratio | 11.3159% | 5,603 |
| Total risk-based capital ratio | 12.4593% | 5,660 |
| Memoranda: | ||
| Average total assets | $258,513,000 | 2,536 |
| Average earning assets | $245,428,800 | 2,448 |
| Average equity | $22,192,800 | 2,927 |
| Average total loans | $206,076,800 | 2,240 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4561% | 4,655 |
| Cost of funding earning assets | 2.1556% | 2,622 |
| Net interest margin | 3.3005% | 5,641 |
| Noninterest income to average assets | 0.2051% | 6,753 |
| Noninterest expense to average assets | 1.8215% | 7,642 |
| Loan and lease loss provision to assets | 0.1464% | 5,896 |
| Net operating income to assets | 0.8457% | 2,635 |
| Return on assets (ROA) | 0.8457% | 2,700 |
| Pretax return on assets | 1.3685% | 1,774 |
| Return on Equity (ROE) | 10.0342% | 1,899 |
| Retained earnings to average equity (ytd only) | 7.8580% | 1,175 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5944% | 7,173 |
| Assets per employee ($millions) | 7.2282% | 715 |
| Cash dividends to net income (ytd only)* | 21.6877% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9434% | 6,580 |
| Loan loss allowance to noncurrent loans | 1,490.7143% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 7,435 |
| Noncurrent loans to loans | 0.0633% | 7,342 |
| Net loans and leases to total assets | 79.7839% | 1,217 |
| Net loans and leases to deposits | 99.1593% | 1,197 |
| Net loans and leases to core deposits | 159.8646% | 383 |
| Total domestic deposits to total assets | 80.4603% | 5,265 |
| Equity capital to assets | 8.3288% | 6,469 |
| Core capital (leverage) ratio | 8.4311% | 5,615 |
| Tier 1 risk-based capital ratio | 10.1357% | 6,845 |
| Total risk-based capital ratio | 10.9665% | 7,181 |
| Memoranda: | ||
| Average total assets | $252,238,250 | 2,604 |
| Average earning assets | $239,308,500 | 2,524 |
| Average equity | $21,260,000 | 3,063 |
| Average total loans | $201,351,000 | 2,305 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4371% | 4,956 |
| Cost of funding earning assets | 2.2588% | 2,536 |
| Net interest margin | 3.1782% | 5,990 |
| Noninterest income to average assets | 0.2026% | 6,845 |
| Noninterest expense to average assets | 1.8884% | 7,641 |
| Loan and lease loss provision to assets | 0.1348% | 5,730 |
| Net operating income to assets | 0.7362% | 3,107 |
| Return on assets (ROA) | 0.7362% | 3,209 |
| Pretax return on assets | 1.1906% | 2,328 |
| Return on Equity (ROE) | 8.6965% | 2,467 |
| Retained earnings to average equity (ytd only) | 6.6503% | 1,720 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7592% | 6,730 |
| Assets per employee ($millions) | 6.5902% | 932 |
| Cash dividends to net income (ytd only)* | 23.5294% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 6,203 |
| Loan loss allowance to noncurrent loans | 1,410.7143% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0545% | 7,461 |
| Noncurrent loans to loans | 0.0712% | 7,346 |
| Net loans and leases to total assets | 75.7260% | 2,252 |
| Net loans and leases to deposits | 91.8676% | 2,494 |
| Net loans and leases to core deposits | 152.0056% | 600 |
| Total domestic deposits to total assets | 82.4295% | 4,512 |
| Equity capital to assets | 8.2224% | 6,456 |
| Core capital (leverage) ratio | 8.5352% | 5,379 |
| Tier 1 risk-based capital ratio | 10.4033% | 6,479 |
| Total risk-based capital ratio | 11.2705% | 6,830 |
| Memoranda: | ||
| Average total assets | $244,760,330 | 2,701 |
| Average earning assets | $231,889,670 | 2,609 |
| Average equity | $20,721,000 | 3,137 |
| Average total loans | $194,724,330 | 2,402 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5126% | 4,843 |
| Cost of funding earning assets | 2.4037% | 2,276 |
| Net interest margin | 3.1089% | 6,172 |
| Noninterest income to average assets | 0.2280% | 6,637 |
| Noninterest expense to average assets | 2.0198% | 7,309 |
| Loan and lease loss provision to assets | 0.1542% | 4,961 |
| Net operating income to assets | 0.6319% | 3,876 |
| Return on assets (ROA) | 0.6319% | 4,056 |
| Pretax return on assets | 1.0175% | 3,280 |
| Return on Equity (ROE) | 7.3507% | 3,447 |
| Retained earnings to average equity (ytd only) | 5.8689% | 2,686 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2878% | 5,815 |
| Assets per employee ($millions) | 6.1768% | 1,107 |
| Cash dividends to net income (ytd only)* | 20.1592% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 6,323 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 79.9598% | 1,396 |
| Net loans and leases to deposits | 97.7429% | 1,703 |
| Net loans and leases to core deposits | 156.7928% | 549 |
| Total domestic deposits to total assets | 81.8063% | 4,632 |
| Equity capital to assets | 8.5385% | 6,012 |
| Core capital (leverage) ratio | 8.6475% | 5,266 |
| Tier 1 risk-based capital ratio | 10.4762% | 6,421 |
| Total risk-based capital ratio | 11.3318% | 6,743 |
| Memoranda: | ||
| Average total assets | $238,632,500 | 2,783 |
| Average earning assets | $227,478,000 | 2,670 |
| Average equity | $20,515,000 | 3,184 |
| Average total loans | $193,785,000 | 2,433 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1381% | 4,845 |
| Cost of funding earning assets | 2.8430% | 2,509 |
| Net interest margin | 3.2951% | 6,055 |
| Noninterest income to average assets | 0.2423% | 6,711 |
| Noninterest expense to average assets | 1.9876% | 7,464 |
| Loan and lease loss provision to assets | 0.1439% | 5,516 |
| Net operating income to assets | 0.7743% | 3,553 |
| Return on assets (ROA) | 0.7731% | 3,394 |
| Pretax return on assets | 1.2479% | 2,488 |
| Return on Equity (ROE) | 8.8562% | 2,689 |
| Retained earnings to average equity (ytd only) | 7.4023% | 1,017 |
| Net charge-offs to loans | 0.2238% | 3,992 |
| Credit loss provision to net charge-offs | 76.5403% | 5,965 |
| Earnings coverage of net charge-offs (x) | 7.4147% | 3,118 |
| Efficiency ratio | 58.7856% | 6,561 |
| Assets per employee ($millions) | 5.7651% | 1,284 |
| Cash dividends to net income (ytd only)* | 16.4171% | 4,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9376% | 6,461 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 80.9061% | 1,467 |
| Net loans and leases to deposits | 99.2758% | 1,946 |
| Net loans and leases to core deposits | 167.5592% | 448 |
| Total domestic deposits to total assets | 81.4963% | 4,409 |
| Equity capital to assets | 8.6564% | 5,864 |
| Core capital (leverage) ratio | 8.6250% | 5,333 |
| Tier 1 risk-based capital ratio | 10.5799% | 6,126 |
| Total risk-based capital ratio | 11.4251% | 6,409 |
| Memoranda: | ||
| Average total assets | $224,538,200 | 2,831 |
| Average earning assets | $213,895,000 | 2,724 |
| Average equity | $19,602,000 | 3,289 |
| Average total loans | $188,595,600 | 2,413 |