Home > First Service Bank > Performance and Condition Ratios
First Service 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 | 6.3793% | 393 |
| Cost of funding earning assets | 2.4623% | 399 |
| Net interest margin | 3.9170% | 1,342 |
| Noninterest income to average assets | 0.7100% | 1,157 |
| Noninterest expense to average assets | 3.3557% | 695 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 0.6170% | 3,399 |
| Return on assets (ROA) | 0.6170% | 3,383 |
| Pretax return on assets | 0.8084% | 3,195 |
| Return on Equity (ROE) | 6.8900% | 3,310 |
| Retained earnings to average equity (ytd only) | 6.0244% | 2,228 |
| Net charge-offs to loans | -0.0208% | 4,168 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.3610% | 1,127 |
| Assets per employee ($millions) | 5.4122% | 3,323 |
| Cash dividends to net income (ytd only)* | 12.5895% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3240% | 1,666 |
| Loan loss allowance to noncurrent loans | 197.1489% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.7033% | 741 |
| Noncurrent loans to loans | 0.6716% | 1,167 |
| Net loans and leases to total assets | 83.6100% | 303 |
| Net loans and leases to deposits | 96.3811% | 752 |
| Net loans and leases to core deposits | 135.1430% | 333 |
| Total domestic deposits to total assets | 86.7500% | 1,772 |
| Equity capital to assets | 8.5512% | 3,015 |
| Core capital (leverage) ratio | 9.4420% | 3,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $611,490,000 | 1,453 |
| Average earning assets | $566,424,800 | 1,449 |
| Average equity | $54,743,600 | 1,496 |
| Average total loans | $504,531,400 | 1,225 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2211% | 410 |
| Cost of funding earning assets | 2.2444% | 459 |
| Net interest margin | 3.9767% | 1,259 |
| Noninterest income to average assets | 0.7000% | 1,185 |
| Noninterest expense to average assets | 3.3530% | 668 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 0.6716% | 3,382 |
| Return on assets (ROA) | 0.6716% | 3,371 |
| Pretax return on assets | 0.8447% | 3,232 |
| Return on Equity (ROE) | 7.4100% | 3,328 |
| Retained earnings to average equity (ytd only) | 6.2411% | 2,555 |
| Net charge-offs to loans | -0.0346% | 4,282 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.5475% | 1,127 |
| Assets per employee ($millions) | 5.2215% | 3,412 |
| Cash dividends to net income (ytd only)* | 15.7703% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3729% | 1,569 |
| Loan loss allowance to noncurrent loans | 2,997.9167% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.1780% | 2,396 |
| Noncurrent loans to loans | 0.0458% | 3,429 |
| Net loans and leases to total assets | 81.1400% | 519 |
| Net loans and leases to deposits | 94.6759% | 847 |
| Net loans and leases to core deposits | 135.6290% | 268 |
| Total domestic deposits to total assets | 85.7000% | 2,284 |
| Equity capital to assets | 8.5546% | 2,695 |
| Core capital (leverage) ratio | 9.8305% | 2,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $597,938,500 | 1,482 |
| Average earning assets | $553,069,000 | 1,482 |
| Average equity | $54,198,250 | 1,500 |
| Average total loans | $489,654,000 | 1,250 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0364% | 429 |
| Cost of funding earning assets | 1.9942% | 500 |
| Net interest margin | 4.0422% | 1,170 |
| Noninterest income to average assets | 0.7400% | 999 |
| Noninterest expense to average assets | 3.6864% | 444 |
| Loan and lease loss provision to assets | -0.0400% | 4,482 |
| Net operating income to assets | 0.6692% | 3,409 |
| Return on assets (ROA) | 0.6692% | 3,411 |
| Pretax return on assets | 0.8203% | 3,351 |
| Return on Equity (ROE) | 7.2300% | 3,429 |
| Retained earnings to average equity (ytd only) | 5.4788% | 2,795 |
| Net charge-offs to loans | 0.0151% | 1,635 |
| Credit loss provision to net charge-offs | -361.1111% | 4,587 |
| Earnings coverage of net charge-offs (x) | 63.0278% | 1,175 |
| Efficiency ratio | 82.6130% | 675 |
| Assets per employee ($millions) | 4.9199% | 3,657 |
| Cash dividends to net income (ytd only)* | 24.2718% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3159% | 1,861 |
| Loan loss allowance to noncurrent loans | 1,792.6230% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.2251% | 2,060 |
| Noncurrent loans to loans | 0.0734% | 3,166 |
| Net loans and leases to total assets | 82.6500% | 358 |
| Net loans and leases to deposits | 96.0395% | 729 |
| Net loans and leases to core deposits | 132.8367% | 286 |
| Total domestic deposits to total assets | 86.0600% | 2,210 |
| Equity capital to assets | 9.1329% | 2,421 |
| Core capital (leverage) ratio | 9.9420% | 2,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $584,909,333 | 1,514 |
| Average earning assets | $539,159,333 | 1,531 |
| Average equity | $54,099,333 | 1,503 |
| Average total loans | $478,178,333 | 1,257 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7481% | 449 |
| Cost of funding earning assets | 1.6882% | 592 |
| Net interest margin | 4.0598% | 1,162 |
| Noninterest income to average assets | 0.8100% | 834 |
| Noninterest expense to average assets | 3.1975% | 803 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0854% | 2,274 |
| Return on assets (ROA) | 1.0854% | 2,242 |
| Pretax return on assets | 1.3600% | 1,988 |
| Return on Equity (ROE) | 11.6600% | 2,305 |
| Retained earnings to average equity (ytd only) | 11.6595% | 1,329 |
| Net charge-offs to loans | 0.0573% | 799 |
| Credit loss provision to net charge-offs | -8.9552% | 4,562 |
| Earnings coverage of net charge-offs (x) | 29.3284% | 1,313 |
| Efficiency ratio | 70.2228% | 1,728 |
| Assets per employee ($millions) | 5.2771% | 3,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3956% | 1,638 |
| Loan loss allowance to noncurrent loans | 1,764.9867% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.2895% | 1,712 |
| Noncurrent loans to loans | 0.0791% | 3,172 |
| Net loans and leases to total assets | 77.4700% | 821 |
| Net loans and leases to deposits | 88.1699% | 1,191 |
| Net loans and leases to core deposits | 120.0676% | 433 |
| Total domestic deposits to total assets | 87.8600% | 1,972 |
| Equity capital to assets | 9.0540% | 2,474 |
| Core capital (leverage) ratio | 10.0884% | 2,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $579,708,500 | 1,555 |
| Average earning assets | $534,998,000 | 1,552 |
| Average equity | $53,964,500 | 1,516 |
| Average total loans | $467,965,500 | 1,294 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1360% | 244 |
| Cost of funding earning assets | 0.6332% | 777 |
| Net interest margin | 4.5028% | 291 |
| Noninterest income to average assets | 1.0700% | 568 |
| Noninterest expense to average assets | 3.3342% | 598 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 1.2475% | 1,611 |
| Return on assets (ROA) | 1.2475% | 1,560 |
| Pretax return on assets | 1.6692% | 999 |
| Return on Equity (ROE) | 12.1800% | 2,085 |
| Retained earnings to average equity (ytd only) | 8.3548% | 1,697 |
| Net charge-offs to loans | 0.0217% | 1,634 |
| Credit loss provision to net charge-offs | 1,128.0899% | 398 |
| Earnings coverage of net charge-offs (x) | 106.9888% | 946 |
| Efficiency ratio | 64.1180% | 2,475 |
| Assets per employee ($millions) | 4.9780% | 3,699 |
| Cash dividends to net income (ytd only)* | 31.4169% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4653% | 1,298 |
| Loan loss allowance to noncurrent loans | 1,422.4101% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.2955% | 1,674 |
| Noncurrent loans to loans | 0.1030% | 3,034 |
| Net loans and leases to total assets | 81.8800% | 418 |
| Net loans and leases to deposits | 92.5053% | 891 |
| Net loans and leases to core deposits | 111.8339% | 549 |
| Total domestic deposits to total assets | 88.5100% | 1,877 |
| Equity capital to assets | 9.5889% | 1,939 |
| Core capital (leverage) ratio | 10.6423% | 2,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $510,316,600 | 1,698 |
| Average earning assets | $468,398,200 | 1,703 |
| Average equity | $52,257,200 | 1,560 |
| Average total loans | $410,783,000 | 1,363 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9814% | 215 |
| Cost of funding earning assets | 0.4606% | 933 |
| Net interest margin | 4.5208% | 229 |
| Noninterest income to average assets | 1.1600% | 530 |
| Noninterest expense to average assets | 3.3720% | 538 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 1.2998% | 1,354 |
| Return on assets (ROA) | 1.2998% | 1,316 |
| Pretax return on assets | 1.7347% | 837 |
| Return on Equity (ROE) | 12.4700% | 1,882 |
| Retained earnings to average equity (ytd only) | 11.2577% | 984 |
| Net charge-offs to loans | 0.0204% | 1,425 |
| Credit loss provision to net charge-offs | 1,234.4262% | 355 |
| Earnings coverage of net charge-offs (x) | 118.9344% | 853 |
| Efficiency ratio | 63.5317% | 2,618 |
| Assets per employee ($millions) | 4.8205% | 3,828 |
| Cash dividends to net income (ytd only)* | 9.7496% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5170% | 1,249 |
| Loan loss allowance to noncurrent loans | 2,400.0000% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.2721% | 1,859 |
| Noncurrent loans to loans | 0.0632% | 3,428 |
| Net loans and leases to total assets | 78.9100% | 623 |
| Net loans and leases to deposits | 87.8479% | 1,044 |
| Net loans and leases to core deposits | 104.9433% | 615 |
| Total domestic deposits to total assets | 89.8300% | 1,733 |
| Equity capital to assets | 9.6879% | 1,776 |
| Core capital (leverage) ratio | 11.3976% | 1,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $499,757,000 | 1,732 |
| Average earning assets | $458,492,750 | 1,744 |
| Average equity | $52,075,500 | 1,590 |
| Average total loans | $398,688,250 | 1,390 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9123% | 190 |
| Cost of funding earning assets | 0.3895% | 987 |
| Net interest margin | 4.5228% | 191 |
| Noninterest income to average assets | 1.3308% | 398 |
| Noninterest expense to average assets | 3.4124% | 476 |
| Loan and lease loss provision to assets | 0.2057% | 398 |
| Net operating income to assets | 1.3996% | 908 |
| Return on assets (ROA) | 1.3996% | 883 |
| Pretax return on assets | 1.8579% | 515 |
| Return on Equity (ROE) | 13.0957% | 1,361 |
| Retained earnings to average equity (ytd only) | 13.0957% | 455 |
| Net charge-offs to loans | 0.0298% | 1,132 |
| Credit loss provision to net charge-offs | 865.5172% | 453 |
| Earnings coverage of net charge-offs (x) | 86.8103% | 889 |
| Efficiency ratio | 62.3157% | 3,008 |
| Assets per employee ($millions) | 4.6856% | 3,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5839% | 1,186 |
| Loan loss allowance to noncurrent loans | 5,347.0085% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.2646% | 1,985 |
| Noncurrent loans to loans | 0.0296% | 3,733 |
| Net loans and leases to total assets | 79.0089% | 480 |
| Net loans and leases to deposits | 88.8345% | 783 |
| Net loans and leases to core deposits | 102.2428% | 579 |
| Total domestic deposits to total assets | 88.9394% | 2,212 |
| Equity capital to assets | 10.5846% | 1,398 |
| Core capital (leverage) ratio | 11.5337% | 1,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $487,983,000 | 1,770 |
| Average earning assets | $447,247,667 | 1,796 |
| Average equity | $52,154,667 | 1,628 |
| Average total loans | $388,666,667 | 1,414 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9172% | 171 |
| Cost of funding earning assets | 0.3863% | 948 |
| Net interest margin | 4.5309% | 164 |
| Noninterest income to average assets | 1.4799% | 362 |
| Noninterest expense to average assets | 3.1433% | 654 |
| Loan and lease loss provision to assets | 0.2066% | 352 |
| Net operating income to assets | 1.7400% | 376 |
| Return on assets (ROA) | 1.7400% | 378 |
| Pretax return on assets | 2.2906% | 230 |
| Return on Equity (ROE) | 16.2009% | 514 |
| Retained earnings to average equity (ytd only) | 16.2009% | 221 |
| Net charge-offs to loans | 0.0581% | 728 |
| Credit loss provision to net charge-offs | 448.2143% | 557 |
| Earnings coverage of net charge-offs (x) | 54.1786% | 893 |
| Efficiency ratio | 55.7274% | 3,905 |
| Assets per employee ($millions) | 4.5973% | 4,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5712% | 1,345 |
| Loan loss allowance to noncurrent loans | 5,133.3333% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.2697% | 2,059 |
| Noncurrent loans to loans | 0.0306% | 3,773 |
| Net loans and leases to total assets | 77.9436% | 378 |
| Net loans and leases to deposits | 87.8742% | 629 |
| Net loans and leases to core deposits | 104.0201% | 397 |
| Total domestic deposits to total assets | 88.6991% | 2,210 |
| Equity capital to assets | 10.7627% | 1,462 |
| Core capital (leverage) ratio | 11.1923% | 1,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $485,980,000 | 1,781 |
| Average earning assets | $446,266,000 | 1,806 |
| Average equity | $52,194,500 | 1,672 |
| Average total loans | $385,514,500 | 1,412 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9385% | 280 |
| Cost of funding earning assets | 0.5479% | 719 |
| Net interest margin | 4.3905% | 344 |
| Noninterest income to average assets | 1.6979% | 400 |
| Noninterest expense to average assets | 3.4458% | 521 |
| Loan and lease loss provision to assets | 0.4704% | 127 |
| Net operating income to assets | 1.3881% | 1,317 |
| Return on assets (ROA) | 1.3881% | 1,372 |
| Pretax return on assets | 1.8262% | 863 |
| Return on Equity (ROE) | 12.6851% | 1,577 |
| Retained earnings to average equity (ytd only) | 9.6744% | 999 |
| Net charge-offs to loans | 0.2367% | 393 |
| Credit loss provision to net charge-offs | 247.9545% | 1,174 |
| Earnings coverage of net charge-offs (x) | 12.1045% | 2,128 |
| Efficiency ratio | 60.0060% | 3,150 |
| Assets per employee ($millions) | 4.7965% | 3,890 |
| Cash dividends to net income (ytd only)* | 23.7341% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4949% | 1,577 |
| Loan loss allowance to noncurrent loans | 1,976.8707% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.3121% | 1,989 |
| Noncurrent loans to loans | 0.0756% | 3,553 |
| Net loans and leases to total assets | 78.2768% | 368 |
| Net loans and leases to deposits | 88.1192% | 645 |
| Net loans and leases to core deposits | 107.1105% | 348 |
| Total domestic deposits to total assets | 88.8306% | 1,602 |
| Equity capital to assets | 10.7177% | 2,003 |
| Core capital (leverage) ratio | 10.8774% | 1,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $463,814,400 | 1,798 |
| Average earning assets | $427,259,200 | 1,812 |
| Average equity | $50,752,600 | 1,741 |
| Average total loans | $371,838,400 | 1,454 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9473% | 333 |
| Cost of funding earning assets | 0.5971% | 648 |
| Net interest margin | 4.3502% | 406 |
| Noninterest income to average assets | 1.6328% | 470 |
| Noninterest expense to average assets | 3.3739% | 553 |
| Loan and lease loss provision to assets | 0.3104% | 249 |
| Net operating income to assets | 1.4853% | 1,307 |
| Return on assets (ROA) | 1.4853% | 1,357 |
| Pretax return on assets | 1.9510% | 863 |
| Return on Equity (ROE) | 13.4994% | 1,548 |
| Retained earnings to average equity (ytd only) | 13.4994% | 570 |
| Net charge-offs to loans | -0.0163% | 3,882 |
| Credit loss provision to net charge-offs | -2,366.6667% | 4,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8707% | 2,993 |
| Assets per employee ($millions) | 4.7672% | 3,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4895% | 1,675 |
| Loan loss allowance to noncurrent loans | 235.8372% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.5022% | 1,525 |
| Noncurrent loans to loans | 0.6316% | 1,731 |
| Net loans and leases to total assets | 76.4384% | 513 |
| Net loans and leases to deposits | 86.2721% | 813 |
| Net loans and leases to core deposits | 99.0080% | 626 |
| Total domestic deposits to total assets | 88.6015% | 1,513 |
| Equity capital to assets | 10.8504% | 2,123 |
| Core capital (leverage) ratio | 11.3465% | 1,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $457,456,250 | 1,841 |
| Average earning assets | $420,902,250 | 1,851 |
| Average equity | $50,331,750 | 1,769 |
| Average total loans | $367,603,250 | 1,491 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0304% | 329 |
| Cost of funding earning assets | 0.6805% | 506 |
| Net interest margin | 4.3498% | 451 |
| Noninterest income to average assets | 1.8278% | 379 |
| Noninterest expense to average assets | 3.5145% | 459 |
| Loan and lease loss provision to assets | 0.3416% | 223 |
| Net operating income to assets | 1.4965% | 1,302 |
| Return on assets (ROA) | 1.4965% | 1,365 |
| Pretax return on assets | 1.9765% | 874 |
| Return on Equity (ROE) | 13.5334% | 1,556 |
| Retained earnings to average equity (ytd only) | 13.5334% | 633 |
| Net charge-offs to loans | -0.0115% | 3,724 |
| Credit loss provision to net charge-offs | -3,642.8571% | 3,936 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2557% | 2,985 |
| Assets per employee ($millions) | 4.3236% | 4,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4227% | 1,877 |
| Loan loss allowance to noncurrent loans | 222.4276% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.5449% | 1,528 |
| Noncurrent loans to loans | 0.6396% | 1,815 |
| Net loans and leases to total assets | 81.6115% | 234 |
| Net loans and leases to deposits | 94.2270% | 448 |
| Net loans and leases to core deposits | 110.1639% | 355 |
| Total domestic deposits to total assets | 86.6116% | 2,500 |
| Equity capital to assets | 11.3452% | 1,733 |
| Core capital (leverage) ratio | 11.3471% | 1,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $447,856,000 | 1,853 |
| Average earning assets | $412,336,333 | 1,872 |
| Average equity | $49,522,000 | 1,781 |
| Average total loans | $364,368,667 | 1,506 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2170% | 268 |
| Cost of funding earning assets | 0.7199% | 510 |
| Net interest margin | 4.4971% | 357 |
| Noninterest income to average assets | 1.7111% | 484 |
| Noninterest expense to average assets | 3.1636% | 753 |
| Loan and lease loss provision to assets | 0.1629% | 773 |
| Net operating income to assets | 1.9187% | 642 |
| Return on assets (ROA) | 1.9187% | 692 |
| Pretax return on assets | 2.5219% | 421 |
| Return on Equity (ROE) | 17.5824% | 769 |
| Retained earnings to average equity (ytd only) | 17.5824% | 385 |
| Net charge-offs to loans | -0.0178% | 3,938 |
| Credit loss provision to net charge-offs | -1,137.5000% | 3,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0933% | 3,770 |
| Assets per employee ($millions) | 4.2591% | 4,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3106% | 2,395 |
| Loan loss allowance to noncurrent loans | 208.6436% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.5568% | 1,698 |
| Noncurrent loans to loans | 0.6281% | 2,000 |
| Net loans and leases to total assets | 79.2593% | 384 |
| Net loans and leases to deposits | 89.8072% | 707 |
| Net loans and leases to core deposits | 106.2895% | 502 |
| Total domestic deposits to total assets | 88.2549% | 1,715 |
| Equity capital to assets | 11.0967% | 1,789 |
| Core capital (leverage) ratio | 11.2391% | 1,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $446,958,500 | 1,852 |
| Average earning assets | $411,194,500 | 1,868 |
| Average equity | $48,776,000 | 1,796 |
| Average total loans | $360,421,500 | 1,522 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4520% | 203 |
| Cost of funding earning assets | 1.0626% | 468 |
| Net interest margin | 4.3893% | 416 |
| Noninterest income to average assets | 1.7844% | 398 |
| Noninterest expense to average assets | 3.6966% | 526 |
| Loan and lease loss provision to assets | 0.4872% | 526 |
| Net operating income to assets | 1.2343% | 1,431 |
| Return on assets (ROA) | 1.2343% | 1,538 |
| Pretax return on assets | 1.6255% | 1,013 |
| Return on Equity (ROE) | 13.3817% | 945 |
| Retained earnings to average equity (ytd only) | 9.8902% | 606 |
| Net charge-offs to loans | 0.0530% | 2,031 |
| Credit loss provision to net charge-offs | 1,079.0055% | 743 |
| Earnings coverage of net charge-offs (x) | 46.7901% | 1,263 |
| Efficiency ratio | 63.6321% | 2,875 |
| Assets per employee ($millions) | 4.5583% | 3,862 |
| Cash dividends to net income (ytd only)* | 26.0914% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 2,706 |
| Loan loss allowance to noncurrent loans | 201.5192% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.5563% | 1,900 |
| Noncurrent loans to loans | 0.6188% | 2,147 |
| Net loans and leases to total assets | 79.9563% | 432 |
| Net loans and leases to deposits | 92.8680% | 725 |
| Net loans and leases to core deposits | 111.9770% | 457 |
| Total domestic deposits to total assets | 86.0968% | 2,325 |
| Equity capital to assets | 10.7289% | 2,496 |
| Core capital (leverage) ratio | 11.2163% | 1,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $400,859,000 | 1,865 |
| Average earning assets | $367,574,200 | 1,879 |
| Average equity | $36,976,000 | 2,134 |
| Average total loans | $341,434,800 | 1,534 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5998% | 187 |
| Cost of funding earning assets | 1.1462% | 449 |
| Net interest margin | 4.4537% | 428 |
| Noninterest income to average assets | 1.8017% | 368 |
| Noninterest expense to average assets | 3.6473% | 584 |
| Loan and lease loss provision to assets | 0.5958% | 428 |
| Net operating income to assets | 1.2621% | 1,445 |
| Return on assets (ROA) | 1.2621% | 1,558 |
| Pretax return on assets | 1.6432% | 1,084 |
| Return on Equity (ROE) | 14.3540% | 815 |
| Retained earnings to average equity (ytd only) | 11.8617% | 445 |
| Net charge-offs to loans | 0.0666% | 1,660 |
| Credit loss provision to net charge-offs | 1,035.7143% | 805 |
| Earnings coverage of net charge-offs (x) | 38.9226% | 1,379 |
| Efficiency ratio | 61.9627% | 3,088 |
| Assets per employee ($millions) | 4.3367% | 4,009 |
| Cash dividends to net income (ytd only)* | 17.3630% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 2,750 |
| Loan loss allowance to noncurrent loans | 193.0139% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.6262% | 1,860 |
| Noncurrent loans to loans | 0.6141% | 2,268 |
| Net loans and leases to total assets | 85.4108% | 179 |
| Net loans and leases to deposits | 97.7335% | 641 |
| Net loans and leases to core deposits | 125.6172% | 312 |
| Total domestic deposits to total assets | 87.3915% | 1,497 |
| Equity capital to assets | 9.4582% | 3,717 |
| Core capital (leverage) ratio | 9.7052% | 3,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $389,396,250 | 1,876 |
| Average earning assets | $357,121,250 | 1,892 |
| Average equity | $34,238,250 | 2,257 |
| Average total loans | $336,372,750 | 1,543 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6996% | 232 |
| Cost of funding earning assets | 1.2410% | 446 |
| Net interest margin | 4.4586% | 549 |
| Noninterest income to average assets | 1.7922% | 343 |
| Noninterest expense to average assets | 3.6541% | 608 |
| Loan and lease loss provision to assets | 0.8059% | 305 |
| Net operating income to assets | 1.1489% | 1,804 |
| Return on assets (ROA) | 1.1489% | 1,931 |
| Pretax return on assets | 1.4143% | 1,695 |
| Return on Equity (ROE) | 13.4430% | 990 |
| Retained earnings to average equity (ytd only) | 10.7815% | 643 |
| Net charge-offs to loans | 0.1277% | 1,073 |
| Credit loss provision to net charge-offs | 730.6220% | 972 |
| Earnings coverage of net charge-offs (x) | 20.1292% | 1,697 |
| Efficiency ratio | 62.2047% | 3,094 |
| Assets per employee ($millions) | 4.1438% | 4,161 |
| Cash dividends to net income (ytd only)* | 19.7979% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 2,591 |
| Loan loss allowance to noncurrent loans | 305.4217% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.5754% | 2,081 |
| Noncurrent loans to loans | 0.3881% | 3,014 |
| Net loans and leases to total assets | 84.1172% | 243 |
| Net loans and leases to deposits | 95.0535% | 869 |
| Net loans and leases to core deposits | 121.5720% | 389 |
| Total domestic deposits to total assets | 88.4946% | 949 |
| Equity capital to assets | 8.3373% | 4,570 |
| Core capital (leverage) ratio | 8.3089% | 4,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5057% | 3,086 |
| Memoranda: | ||
| Average total assets | $378,975,000 | 1,897 |
| Average earning assets | $346,970,667 | 1,912 |
| Average equity | $32,388,667 | 2,342 |
| Average total loans | $327,297,333 | 1,563 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7291% | 237 |
| Cost of funding earning assets | 1.3663% | 461 |
| Net interest margin | 4.3628% | 676 |
| Noninterest income to average assets | 1.0809% | 725 |
| Noninterest expense to average assets | 3.8859% | 567 |
| Loan and lease loss provision to assets | 0.2329% | 1,328 |
| Net operating income to assets | 0.7565% | 3,072 |
| Return on assets (ROA) | 0.7565% | 3,148 |
| Pretax return on assets | 0.9557% | 2,980 |
| Return on Equity (ROE) | 8.7347% | 2,214 |
| Retained earnings to average equity (ytd only) | 5.9572% | 1,892 |
| Net charge-offs to loans | 0.1401% | 897 |
| Credit loss provision to net charge-offs | 191.0714% | 1,442 |
| Earnings coverage of net charge-offs (x) | 9.7500% | 1,805 |
| Efficiency ratio | 76.5766% | 1,502 |
| Assets per employee ($millions) | 3.6681% | 4,313 |
| Cash dividends to net income (ytd only)* | 31.7986% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8769% | 4,199 |
| Loan loss allowance to noncurrent loans | 671.1584% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.5752% | 2,277 |
| Noncurrent loans to loans | 0.1306% | 3,994 |
| Net loans and leases to total assets | 86.6254% | 111 |
| Net loans and leases to deposits | 101.5611% | 459 |
| Net loans and leases to core deposits | 133.4161% | 229 |
| Total domestic deposits to total assets | 85.2938% | 2,291 |
| Equity capital to assets | 8.6308% | 4,780 |
| Core capital (leverage) ratio | 8.8467% | 4,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6356% | 3,200 |
| Memoranda: | ||
| Average total assets | $367,487,000 | 1,894 |
| Average earning assets | $336,386,000 | 1,912 |
| Average equity | $31,827,000 | 2,362 |
| Average total loans | $319,863,000 | 1,562 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7624% | 353 |
| Cost of funding earning assets | 1.4233% | 516 |
| Net interest margin | 4.3390% | 1,003 |
| Noninterest income to average assets | 1.2615% | 592 |
| Noninterest expense to average assets | 4.2222% | 416 |
| Loan and lease loss provision to assets | 0.0844% | 2,315 |
| Net operating income to assets | 0.6981% | 3,874 |
| Return on assets (ROA) | 0.6981% | 3,939 |
| Pretax return on assets | 0.8950% | 3,755 |
| Return on Equity (ROE) | 7.4211% | 3,396 |
| Retained earnings to average equity (ytd only) | 3.0902% | 3,478 |
| Net charge-offs to loans | 0.0627% | 2,203 |
| Credit loss provision to net charge-offs | 158.1921% | 1,627 |
| Earnings coverage of net charge-offs (x) | 18.3503% | 2,062 |
| Efficiency ratio | 81.1699% | 860 |
| Assets per employee ($millions) | 3.5735% | 4,404 |
| Cash dividends to net income (ytd only)* | 58.3585% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8666% | 4,097 |
| Loan loss allowance to noncurrent loans | 244.4643% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.6702% | 1,916 |
| Noncurrent loans to loans | 0.3545% | 3,177 |
| Net loans and leases to total assets | 85.9327% | 170 |
| Net loans and leases to deposits | 101.0084% | 526 |
| Net loans and leases to core deposits | 127.7149% | 312 |
| Total domestic deposits to total assets | 85.0748% | 2,462 |
| Equity capital to assets | 8.6912% | 4,830 |
| Core capital (leverage) ratio | 9.0112% | 4,525 |
| Tier 1 risk-based capital ratio | 10.5661% | 5,003 |
| Total risk-based capital ratio | 11.4836% | 5,026 |
| Memoranda: | ||
| Average total assets | $331,602,200 | 1,974 |
| Average earning assets | $301,126,600 | 2,019 |
| Average equity | $31,195,000 | 2,333 |
| Average total loans | $282,340,000 | 1,680 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7841% | 359 |
| Cost of funding earning assets | 1.4146% | 553 |
| Net interest margin | 4.3695% | 1,012 |
| Noninterest income to average assets | 1.2819% | 560 |
| Noninterest expense to average assets | 4.2409% | 391 |
| Loan and lease loss provision to assets | 0.0557% | 2,798 |
| Net operating income to assets | 0.7636% | 3,796 |
| Return on assets (ROA) | 0.7636% | 3,865 |
| Pretax return on assets | 0.9384% | 3,768 |
| Return on Equity (ROE) | 7.9464% | 3,333 |
| Retained earnings to average equity (ytd only) | 4.0590% | 3,366 |
| Net charge-offs to loans | 0.0647% | 1,894 |
| Credit loss provision to net charge-offs | 101.5038% | 2,222 |
| Earnings coverage of net charge-offs (x) | 18.1277% | 2,065 |
| Efficiency ratio | 81.0113% | 832 |
| Assets per employee ($millions) | 3.4573% | 4,543 |
| Cash dividends to net income (ytd only)* | 48.9201% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9073% | 4,009 |
| Loan loss allowance to noncurrent loans | 296.7379% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.4525% | 2,710 |
| Noncurrent loans to loans | 0.3058% | 3,437 |
| Net loans and leases to total assets | 85.0389% | 251 |
| Net loans and leases to deposits | 97.8383% | 834 |
| Net loans and leases to core deposits | 125.8642% | 366 |
| Total domestic deposits to total assets | 86.9178% | 1,564 |
| Equity capital to assets | 9.3515% | 4,562 |
| Core capital (leverage) ratio | 9.4336% | 4,242 |
| Tier 1 risk-based capital ratio | 11.4711% | 4,682 |
| Total risk-based capital ratio | 12.4314% | 4,717 |
| Memoranda: | ||
| Average total assets | $323,378,500 | 2,024 |
| Average earning assets | $292,563,000 | 2,085 |
| Average equity | $31,074,000 | 2,355 |
| Average total loans | $273,935,000 | 1,731 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7105% | 397 |
| Cost of funding earning assets | 1.3630% | 611 |
| Net interest margin | 4.3475% | 1,049 |
| Noninterest income to average assets | 1.3223% | 501 |
| Noninterest expense to average assets | 4.2308% | 396 |
| Loan and lease loss provision to assets | 0.0566% | 2,692 |
| Net operating income to assets | 0.7950% | 3,674 |
| Return on assets (ROA) | 0.7950% | 3,736 |
| Pretax return on assets | 0.9678% | 3,653 |
| Return on Equity (ROE) | 8.1955% | 3,206 |
| Retained earnings to average equity (ytd only) | 3.7965% | 3,351 |
| Net charge-offs to loans | 0.0291% | 2,276 |
| Credit loss provision to net charge-offs | 230.7692% | 1,086 |
| Earnings coverage of net charge-offs (x) | 41.7949% | 1,214 |
| Efficiency ratio | 80.5071% | 927 |
| Assets per employee ($millions) | 3.3745% | 4,636 |
| Cash dividends to net income (ytd only)* | 53.6759% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9509% | 3,872 |
| Loan loss allowance to noncurrent loans | 250.7937% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.4460% | 2,739 |
| Noncurrent loans to loans | 0.3791% | 3,168 |
| Net loans and leases to total assets | 82.9137% | 484 |
| Net loans and leases to deposits | 95.3851% | 1,109 |
| Net loans and leases to core deposits | 121.2374% | 509 |
| Total domestic deposits to total assets | 86.9253% | 1,631 |
| Equity capital to assets | 9.2709% | 4,597 |
| Core capital (leverage) ratio | 9.4790% | 4,165 |
| Tier 1 risk-based capital ratio | 11.6743% | 4,593 |
| Total risk-based capital ratio | 12.6810% | 4,612 |
| Memoranda: | ||
| Average total assets | $318,234,000 | 2,059 |
| Average earning assets | $287,890,330 | 2,109 |
| Average equity | $30,870,670 | 2,361 |
| Average total loans | $268,326,670 | 1,760 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6636% | 384 |
| Cost of funding earning assets | 1.2770% | 710 |
| Net interest margin | 4.3866% | 930 |
| Noninterest income to average assets | 1.1535% | 604 |
| Noninterest expense to average assets | 4.3276% | 356 |
| Loan and lease loss provision to assets | 0.0583% | 2,485 |
| Net operating income to assets | 0.6441% | 4,113 |
| Return on assets (ROA) | 0.6441% | 4,149 |
| Pretax return on assets | 0.7167% | 4,263 |
| Return on Equity (ROE) | 6.4833% | 3,847 |
| Retained earnings to average equity (ytd only) | 0.6131% | 4,406 |
| Net charge-offs to loans | 0.0015% | 2,709 |
| Credit loss provision to net charge-offs | 4,500.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 598.0000% | 122 |
| Efficiency ratio | 84.8108% | 654 |
| Assets per employee ($millions) | 3.2284% | 4,809 |
| Cash dividends to net income (ytd only)* | 90.5433% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 3,671 |
| Loan loss allowance to noncurrent loans | 439.7373% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 3,211 |
| Noncurrent loans to loans | 0.2285% | 3,759 |
| Net loans and leases to total assets | 85.1470% | 263 |
| Net loans and leases to deposits | 98.9256% | 702 |
| Net loans and leases to core deposits | 119.5565% | 540 |
| Total domestic deposits to total assets | 86.0717% | 2,249 |
| Equity capital to assets | 9.9118% | 3,908 |
| Core capital (leverage) ratio | 10.0108% | 3,593 |
| Tier 1 risk-based capital ratio | 12.2164% | 4,349 |
| Total risk-based capital ratio | 13.2854% | 4,334 |
| Memoranda: | ||
| Average total assets | $308,625,000 | 2,134 |
| Average earning assets | $277,846,000 | 2,193 |
| Average equity | $30,663,500 | 2,372 |
| Average total loans | $261,250,000 | 1,800 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3529% | 530 |
| Cost of funding earning assets | 0.9038% | 1,074 |
| Net interest margin | 4.4491% | 841 |
| Noninterest income to average assets | 1.4500% | 432 |
| Noninterest expense to average assets | 4.1620% | 425 |
| Loan and lease loss provision to assets | 0.0614% | 2,930 |
| Net operating income to assets | 0.8810% | 3,491 |
| Return on assets (ROA) | 0.8810% | 3,483 |
| Pretax return on assets | 1.2056% | 2,859 |
| Return on Equity (ROE) | 8.5838% | 3,187 |
| Retained earnings to average equity (ytd only) | 2.8468% | 3,976 |
| Net charge-offs to loans | 0.0416% | 2,581 |
| Credit loss provision to net charge-offs | 180.0000% | 1,570 |
| Earnings coverage of net charge-offs (x) | 37.1200% | 1,394 |
| Efficiency ratio | 76.6614% | 1,275 |
| Assets per employee ($millions) | 3.2013% | 4,834 |
| Cash dividends to net income (ytd only)* | 66.8346% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0296% | 3,502 |
| Loan loss allowance to noncurrent loans | 216.3383% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.5229% | 2,499 |
| Noncurrent loans to loans | 0.4759% | 2,846 |
| Net loans and leases to total assets | 82.4193% | 600 |
| Net loans and leases to deposits | 95.9215% | 1,077 |
| Net loans and leases to core deposits | 115.7671% | 694 |
| Total domestic deposits to total assets | 85.9237% | 2,273 |
| Equity capital to assets | 9.9595% | 3,719 |
| Core capital (leverage) ratio | 10.2098% | 3,348 |
| Tier 1 risk-based capital ratio | 12.5804% | 4,084 |
| Total risk-based capital ratio | 13.6655% | 4,059 |
| Memoranda: | ||
| Average total assets | $292,960,800 | 2,195 |
| Average earning assets | $262,007,200 | 2,252 |
| Average equity | $30,068,400 | 2,331 |
| Average total loans | $240,217,600 | 1,878 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2773% | 542 |
| Cost of funding earning assets | 0.7990% | 1,343 |
| Net interest margin | 4.4783% | 777 |
| Noninterest income to average assets | 1.5279% | 419 |
| Noninterest expense to average assets | 4.1671% | 415 |
| Loan and lease loss provision to assets | 0.0622% | 2,730 |
| Net operating income to assets | 0.9764% | 3,190 |
| Return on assets (ROA) | 0.9764% | 3,202 |
| Pretax return on assets | 1.3012% | 2,624 |
| Return on Equity (ROE) | 9.4385% | 2,879 |
| Retained earnings to average equity (ytd only) | 3.2427% | 4,119 |
| Net charge-offs to loans | 0.0265% | 2,583 |
| Credit loss provision to net charge-offs | 287.2340% | 1,059 |
| Earnings coverage of net charge-offs (x) | 62.9524% | 1,026 |
| Efficiency ratio | 75.3478% | 1,426 |
| Assets per employee ($millions) | 3.0964% | 4,971 |
| Cash dividends to net income (ytd only)* | 65.6442% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 3,360 |
| Loan loss allowance to noncurrent loans | 204.3310% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.5729% | 2,468 |
| Noncurrent loans to loans | 0.5230% | 2,815 |
| Net loans and leases to total assets | 82.2819% | 666 |
| Net loans and leases to deposits | 103.0599% | 599 |
| Net loans and leases to core deposits | 120.7890% | 553 |
| Total domestic deposits to total assets | 79.8389% | 4,150 |
| Equity capital to assets | 10.2454% | 3,406 |
| Core capital (leverage) ratio | 10.5173% | 3,060 |
| Tier 1 risk-based capital ratio | 12.9658% | 3,931 |
| Total risk-based capital ratio | 14.0920% | 3,899 |
| Memoranda: | ||
| Average total assets | $289,369,500 | 2,223 |
| Average earning assets | $258,635,750 | 2,288 |
| Average equity | $29,933,500 | 2,341 |
| Average total loans | $236,289,250 | 1,914 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2161% | 540 |
| Cost of funding earning assets | 0.7110% | 1,563 |
| Net interest margin | 4.5050% | 695 |
| Noninterest income to average assets | 1.5303% | 412 |
| Noninterest expense to average assets | 4.0552% | 496 |
| Loan and lease loss provision to assets | 0.0628% | 2,647 |
| Net operating income to assets | 1.0595% | 2,756 |
| Return on assets (ROA) | 1.0595% | 2,757 |
| Pretax return on assets | 1.4382% | 2,026 |
| Return on Equity (ROE) | 10.2084% | 2,469 |
| Retained earnings to average equity (ytd only) | 2.3589% | 4,333 |
| Net charge-offs to loans | 0.0447% | 1,971 |
| Credit loss provision to net charge-offs | 173.0769% | 1,437 |
| Earnings coverage of net charge-offs (x) | 41.3846% | 1,261 |
| Efficiency ratio | 72.9852% | 1,849 |
| Assets per employee ($millions) | 3.0235% | 5,082 |
| Cash dividends to net income (ytd only)* | 76.8927% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1032% | 3,237 |
| Loan loss allowance to noncurrent loans | 168.6402% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 1.1416% | 1,285 |
| Noncurrent loans to loans | 0.6542% | 2,472 |
| Net loans and leases to total assets | 80.8954% | 875 |
| Net loans and leases to deposits | 102.4972% | 624 |
| Net loans and leases to core deposits | 121.7519% | 527 |
| Total domestic deposits to total assets | 78.9245% | 4,438 |
| Equity capital to assets | 10.4742% | 3,148 |
| Core capital (leverage) ratio | 10.6538% | 2,863 |
| Tier 1 risk-based capital ratio | 13.5244% | 3,600 |
| Total risk-based capital ratio | 14.6917% | 3,566 |
| Memoranda: | ||
| Average total assets | $286,740,670 | 2,244 |
| Average earning assets | $256,247,000 | 2,309 |
| Average equity | $29,759,670 | 2,366 |
| Average total loans | $232,642,330 | 1,934 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1007% | 584 |
| Cost of funding earning assets | 0.6368% | 1,798 |
| Net interest margin | 4.4639% | 664 |
| Noninterest income to average assets | 1.2189% | 624 |
| Noninterest expense to average assets | 4.0727% | 485 |
| Loan and lease loss provision to assets | 0.0628% | 2,519 |
| Net operating income to assets | 0.7372% | 3,956 |
| Return on assets (ROA) | 0.7372% | 3,959 |
| Pretax return on assets | 1.0765% | 3,257 |
| Return on Equity (ROE) | 7.1359% | 3,732 |
| Retained earnings to average equity (ytd only) | -4.3248% | 5,162 |
| Net charge-offs to loans | 0.0829% | 1,310 |
| Credit loss provision to net charge-offs | 93.7500% | 1,644 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,598 |
| Efficiency ratio | 78.1409% | 1,340 |
| Assets per employee ($millions) | 2.9813% | 5,165 |
| Cash dividends to net income (ytd only)* | 160.6061% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 3,531 |
| Loan loss allowance to noncurrent loans | 116.8040% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 0.9731% | 1,616 |
| Noncurrent loans to loans | 0.9192% | 1,980 |
| Net loans and leases to total assets | 82.9916% | 537 |
| Net loans and leases to deposits | 105.1625% | 423 |
| Net loans and leases to core deposits | 137.3479% | 242 |
| Total domestic deposits to total assets | 78.9175% | 4,591 |
| Equity capital to assets | 10.3900% | 3,179 |
| Core capital (leverage) ratio | 10.4805% | 2,966 |
| Tier 1 risk-based capital ratio | 13.1078% | 3,894 |
| Total risk-based capital ratio | 14.2464% | 3,857 |
| Memoranda: | ||
| Average total assets | $286,496,500 | 2,268 |
| Average earning assets | $256,277,000 | 2,319 |
| Average equity | $29,597,000 | 2,401 |
| Average total loans | $231,490,000 | 1,952 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0577% | 577 |
| Cost of funding earning assets | 0.5657% | 1,850 |
| Net interest margin | 4.4920% | 621 |
| Noninterest income to average assets | 1.3867% | 546 |
| Noninterest expense to average assets | 4.0296% | 514 |
| Loan and lease loss provision to assets | 0.0694% | 2,811 |
| Net operating income to assets | 1.2916% | 1,247 |
| Return on assets (ROA) | 1.2916% | 1,266 |
| Pretax return on assets | 1.2916% | 2,384 |
| Return on Equity (ROE) | 12.8758% | 980 |
| Retained earnings to average equity (ytd only) | 5.9397% | 1,580 |
| Net charge-offs to loans | 0.0293% | 3,219 |
| Credit loss provision to net charge-offs | 298.5075% | 954 |
| Earnings coverage of net charge-offs (x) | 58.5373% | 967 |
| Efficiency ratio | 74.7522% | 1,792 |
| Assets per employee ($millions) | 3.0184% | 5,186 |
| Cash dividends to net income (ytd only)* | 53.8689% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 3,157 |
| Loan loss allowance to noncurrent loans | 114.7799% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 1.0087% | 1,522 |
| Noncurrent loans to loans | 0.9877% | 1,793 |
| Net loans and leases to total assets | 76.8963% | 1,445 |
| Net loans and leases to deposits | 96.4743% | 1,042 |
| Net loans and leases to core deposits | 128.1567% | 381 |
| Total domestic deposits to total assets | 79.7065% | 4,394 |
| Equity capital to assets | 10.2727% | 3,412 |
| Core capital (leverage) ratio | 10.0445% | 3,402 |
| Tier 1 risk-based capital ratio | 13.8906% | 3,422 |
| Total risk-based capital ratio | 15.0853% | 3,363 |
| Memoranda: | ||
| Average total assets | $288,168,600 | 2,237 |
| Average earning assets | $256,857,000 | 2,305 |
| Average equity | $28,907,000 | 2,438 |
| Average total loans | $228,309,600 | 1,946 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0312% | 574 |
| Cost of funding earning assets | 0.5330% | 2,008 |
| Net interest margin | 4.4982% | 604 |
| Noninterest income to average assets | 1.2922% | 638 |
| Noninterest expense to average assets | 3.9378% | 563 |
| Loan and lease loss provision to assets | 0.0718% | 2,641 |
| Net operating income to assets | 1.2904% | 1,375 |
| Return on assets (ROA) | 1.2904% | 1,403 |
| Pretax return on assets | 1.2904% | 2,540 |
| Return on Equity (ROE) | 12.9417% | 1,072 |
| Retained earnings to average equity (ytd only) | 4.6237% | 3,124 |
| Net charge-offs to loans | 0.0460% | 2,521 |
| Credit loss provision to net charge-offs | 196.2025% | 1,362 |
| Earnings coverage of net charge-offs (x) | 37.2154% | 1,372 |
| Efficiency ratio | 74.2985% | 1,851 |
| Assets per employee ($millions) | 3.0202% | 5,248 |
| Cash dividends to net income (ytd only)* | 64.2730% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0818% | 3,590 |
| Loan loss allowance to noncurrent loans | 106.7978% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 1.1022% | 1,507 |
| Noncurrent loans to loans | 1.0129% | 1,922 |
| Net loans and leases to total assets | 77.9711% | 1,274 |
| Net loans and leases to deposits | 101.2715% | 660 |
| Net loans and leases to core deposits | 137.7565% | 235 |
| Total domestic deposits to total assets | 76.9921% | 4,898 |
| Equity capital to assets | 9.9305% | 3,992 |
| Core capital (leverage) ratio | 10.0821% | 3,463 |
| Tier 1 risk-based capital ratio | 13.3414% | 3,800 |
| Total risk-based capital ratio | 14.4911% | 3,772 |
| Memoranda: | ||
| Average total assets | $287,768,750 | 2,252 |
| Average earning assets | $256,394,750 | 2,319 |
| Average equity | $28,692,000 | 2,467 |
| Average total loans | $229,043,000 | 1,954 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9761% | 586 |
| Cost of funding earning assets | 0.4960% | 2,194 |
| Net interest margin | 4.4801% | 592 |
| Noninterest income to average assets | 1.3446% | 587 |
| Noninterest expense to average assets | 3.8869% | 601 |
| Loan and lease loss provision to assets | 0.0769% | 2,444 |
| Net operating income to assets | 1.3907% | 1,096 |
| Return on assets (ROA) | 1.3907% | 1,119 |
| Pretax return on assets | 1.3907% | 2,060 |
| Return on Equity (ROE) | 13.9292% | 821 |
| Retained earnings to average equity (ytd only) | 5.2874% | 2,526 |
| Net charge-offs to loans | 0.0105% | 3,086 |
| Credit loss provision to net charge-offs | 916.6667% | 410 |
| Earnings coverage of net charge-offs (x) | 174.9167% | 450 |
| Efficiency ratio | 72.5908% | 2,251 |
| Assets per employee ($millions) | 2.9574% | 5,312 |
| Cash dividends to net income (ytd only)* | 62.0412% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0833% | 3,679 |
| Loan loss allowance to noncurrent loans | 98.1698% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 1.1712% | 1,457 |
| Noncurrent loans to loans | 1.1035% | 1,775 |
| Net loans and leases to total assets | 78.6231% | 1,150 |
| Net loans and leases to deposits | 101.3745% | 648 |
| Net loans and leases to core deposits | 110.3647% | 986 |
| Total domestic deposits to total assets | 77.5571% | 4,884 |
| Equity capital to assets | 9.8597% | 4,076 |
| Core capital (leverage) ratio | 10.1704% | 3,312 |
| Tier 1 risk-based capital ratio | 13.0929% | 3,947 |
| Total risk-based capital ratio | 14.2412% | 3,921 |
| Memoranda: | ||
| Average total assets | $286,039,670 | 2,270 |
| Average earning assets | $256,023,000 | 2,333 |
| Average equity | $28,558,670 | 2,462 |
| Average total loans | $228,417,670 | 1,955 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9797% | 542 |
| Cost of funding earning assets | 0.4731% | 2,328 |
| Net interest margin | 4.5066% | 518 |
| Noninterest income to average assets | 1.5226% | 471 |
| Noninterest expense to average assets | 3.8872% | 611 |
| Loan and lease loss provision to assets | 0.0920% | 2,003 |
| Net operating income to assets | 1.5877% | 695 |
| Return on assets (ROA) | 1.5877% | 709 |
| Pretax return on assets | 1.5877% | 1,268 |
| Return on Equity (ROE) | 15.8003% | 549 |
| Retained earnings to average equity (ytd only) | 8.7169% | 1,180 |
| Net charge-offs to loans | 0.0707% | 1,621 |
| Credit loss provision to net charge-offs | 162.5000% | 1,152 |
| Earnings coverage of net charge-offs (x) | 29.6750% | 1,224 |
| Efficiency ratio | 69.8271% | 2,924 |
| Assets per employee ($millions) | 2.8966% | 5,432 |
| Cash dividends to net income (ytd only)* | 44.8307% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0785% | 3,831 |
| Loan loss allowance to noncurrent loans | 109.9730% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 1.1583% | 1,526 |
| Noncurrent loans to loans | 0.9807% | 2,087 |
| Net loans and leases to total assets | 79.1006% | 966 |
| Net loans and leases to deposits | 96.1776% | 924 |
| Net loans and leases to core deposits | 105.1064% | 1,158 |
| Total domestic deposits to total assets | 82.2443% | 4,097 |
| Equity capital to assets | 10.1170% | 3,605 |
| Core capital (leverage) ratio | 10.2995% | 3,109 |
| Tier 1 risk-based capital ratio | 13.2298% | 3,924 |
| Total risk-based capital ratio | 14.3619% | 3,918 |
| Memoranda: | ||
| Average total assets | $282,670,000 | 2,306 |
| Average earning assets | $253,670,500 | 2,370 |
| Average equity | $28,404,500 | 2,487 |
| Average total loans | $226,270,000 | 1,975 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9525% | 652 |
| Cost of funding earning assets | 0.4430% | 2,590 |
| Net interest margin | 4.5095% | 609 |
| Noninterest income to average assets | 1.1643% | 835 |
| Noninterest expense to average assets | 4.0543% | 557 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1650% | 1,628 |
| Return on assets (ROA) | 1.1650% | 1,724 |
| Pretax return on assets | 1.1650% | 2,831 |
| Return on Equity (ROE) | 11.6423% | 1,353 |
| Retained earnings to average equity (ytd only) | 4.2906% | 2,852 |
| Net charge-offs to loans | 0.1781% | 1,541 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 8.3974% | 2,875 |
| Efficiency ratio | 77.6791% | 1,740 |
| Assets per employee ($millions) | 2.9628% | 5,380 |
| Cash dividends to net income (ytd only)* | 63.1463% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0743% | 3,863 |
| Loan loss allowance to noncurrent loans | 271.3326% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.6978% | 2,628 |
| Noncurrent loans to loans | 0.3959% | 3,728 |
| Net loans and leases to total assets | 79.2717% | 995 |
| Net loans and leases to deposits | 99.9713% | 674 |
| Net loans and leases to core deposits | 131.9843% | 263 |
| Total domestic deposits to total assets | 79.2944% | 4,722 |
| Equity capital to assets | 9.9797% | 3,746 |
| Core capital (leverage) ratio | 9.6925% | 3,868 |
| Tier 1 risk-based capital ratio | 13.0062% | 4,076 |
| Total risk-based capital ratio | 14.1321% | 4,040 |
| Memoranda: | ||
| Average total assets | $273,909,600 | 2,330 |
| Average earning assets | $246,301,200 | 2,387 |
| Average equity | $27,408,600 | 2,544 |
| Average total loans | $213,342,000 | 2,020 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9292% | 685 |
| Cost of funding earning assets | 0.4245% | 2,784 |
| Net interest margin | 4.5047% | 622 |
| Noninterest income to average assets | 1.0872% | 959 |
| Noninterest expense to average assets | 4.0329% | 566 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1063% | 1,970 |
| Return on assets (ROA) | 1.1063% | 2,074 |
| Pretax return on assets | 1.1063% | 3,209 |
| Return on Equity (ROE) | 11.0479% | 1,651 |
| Retained earnings to average equity (ytd only) | 2.5552% | 4,384 |
| Net charge-offs to loans | 0.0070% | 3,672 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 205.1302% | 364 |
| Efficiency ratio | 78.4740% | 1,623 |
| Assets per employee ($millions) | 2.9532% | 5,423 |
| Cash dividends to net income (ytd only)* | 76.8721% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 2,935 |
| Loan loss allowance to noncurrent loans | 171.6042% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.7679% | 2,630 |
| Noncurrent loans to loans | 0.7304% | 2,849 |
| Net loans and leases to total assets | 77.5842% | 1,269 |
| Net loans and leases to deposits | 102.8634% | 512 |
| Net loans and leases to core deposits | 135.6164% | 238 |
| Total domestic deposits to total assets | 75.4245% | 5,297 |
| Equity capital to assets | 9.7312% | 4,438 |
| Core capital (leverage) ratio | 10.1083% | 3,434 |
| Tier 1 risk-based capital ratio | 12.8785% | 4,233 |
| Total risk-based capital ratio | 14.1294% | 4,147 |
| Memoranda: | ||
| Average total assets | $272,019,500 | 2,355 |
| Average earning assets | $244,685,500 | 2,414 |
| Average equity | $27,238,250 | 2,574 |
| Average total loans | $210,290,250 | 2,051 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8911% | 736 |
| Cost of funding earning assets | 0.4187% | 2,845 |
| Net interest margin | 4.4724% | 652 |
| Noninterest income to average assets | 1.0470% | 1,020 |
| Noninterest expense to average assets | 4.0210% | 576 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0485% | 2,186 |
| Return on assets (ROA) | 1.0485% | 2,312 |
| Pretax return on assets | 1.0485% | 3,401 |
| Return on Equity (ROE) | 10.3682% | 1,899 |
| Retained earnings to average equity (ytd only) | 1.2757% | 4,877 |
| Net charge-offs to loans | 0.0320% | 2,819 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 42.6061% | 1,114 |
| Efficiency ratio | 79.3174% | 1,586 |
| Assets per employee ($millions) | 2.8281% | 5,588 |
| Cash dividends to net income (ytd only)* | 87.6956% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 2,757 |
| Loan loss allowance to noncurrent loans | 192.7577% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.7206% | 2,816 |
| Noncurrent loans to loans | 0.6765% | 3,041 |
| Net loans and leases to total assets | 77.9800% | 1,212 |
| Net loans and leases to deposits | 97.2633% | 946 |
| Net loans and leases to core deposits | 129.4715% | 311 |
| Total domestic deposits to total assets | 80.1741% | 4,501 |
| Equity capital to assets | 10.1431% | 4,033 |
| Core capital (leverage) ratio | 10.2848% | 3,223 |
| Tier 1 risk-based capital ratio | 13.7320% | 3,753 |
| Total risk-based capital ratio | 14.9837% | 3,681 |
| Memoranda: | ||
| Average total assets | $268,189,330 | 2,401 |
| Average earning assets | $241,211,670 | 2,444 |
| Average equity | $27,121,330 | 2,585 |
| Average total loans | $206,136,670 | 2,086 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8177% | 816 |
| Cost of funding earning assets | 0.3877% | 3,216 |
| Net interest margin | 4.4300% | 693 |
| Noninterest income to average assets | 1.1062% | 893 |
| Noninterest expense to average assets | 3.9933% | 606 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1047% | 1,883 |
| Return on assets (ROA) | 1.1047% | 1,987 |
| Pretax return on assets | 1.1047% | 3,075 |
| Return on Equity (ROE) | 10.9403% | 1,617 |
| Retained earnings to average equity (ytd only) | 3.4743% | 3,761 |
| Net charge-offs to loans | 0.0630% | 1,863 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 23.1250% | 1,380 |
| Efficiency ratio | 78.3309% | 1,848 |
| Assets per employee ($millions) | 2.8610% | 5,632 |
| Cash dividends to net income (ytd only)* | 68.2432% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3631% | 2,592 |
| Loan loss allowance to noncurrent loans | 167.3112% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.8451% | 2,571 |
| Noncurrent loans to loans | 0.8147% | 2,802 |
| Net loans and leases to total assets | 73.7181% | 1,773 |
| Net loans and leases to deposits | 89.3513% | 1,653 |
| Net loans and leases to core deposits | 121.6686% | 424 |
| Total domestic deposits to total assets | 82.5036% | 4,065 |
| Equity capital to assets | 10.0258% | 4,045 |
| Core capital (leverage) ratio | 10.3075% | 3,188 |
| Tier 1 risk-based capital ratio | 14.1335% | 3,604 |
| Total risk-based capital ratio | 15.3859% | 3,529 |
| Memoranda: | ||
| Average total assets | $267,947,000 | 2,407 |
| Average earning assets | $241,442,500 | 2,454 |
| Average equity | $27,056,000 | 2,595 |
| Average total loans | $203,065,000 | 2,114 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1005% | 514 |
| Cost of funding earning assets | 0.3423% | 3,771 |
| Net interest margin | 4.7582% | 408 |
| Noninterest income to average assets | 1.1050% | 962 |
| Noninterest expense to average assets | 4.3038% | 487 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0673% | 2,053 |
| Return on assets (ROA) | 1.0673% | 2,128 |
| Pretax return on assets | 1.0673% | 3,198 |
| Return on Equity (ROE) | 10.3233% | 1,875 |
| Retained earnings to average equity (ytd only) | 2.3927% | 4,353 |
| Net charge-offs to loans | 0.3888% | 738 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 3.6058% | 3,699 |
| Efficiency ratio | 80.1289% | 1,656 |
| Assets per employee ($millions) | 2.7799% | 5,722 |
| Cash dividends to net income (ytd only)* | 76.8222% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3803% | 2,514 |
| Loan loss allowance to noncurrent loans | 155.1495% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.9303% | 2,337 |
| Noncurrent loans to loans | 0.8897% | 2,575 |
| Net loans and leases to total assets | 75.8038% | 1,450 |
| Net loans and leases to deposits | 95.1330% | 1,099 |
| Net loans and leases to core deposits | 122.1321% | 425 |
| Total domestic deposits to total assets | 79.6819% | 4,822 |
| Equity capital to assets | 10.1713% | 3,782 |
| Core capital (leverage) ratio | 10.2904% | 3,163 |
| Tier 1 risk-based capital ratio | 14.2420% | 3,586 |
| Total risk-based capital ratio | 15.4950% | 3,494 |
| Memoranda: | ||
| Average total assets | $257,097,800 | 2,445 |
| Average earning assets | $230,507,200 | 2,509 |
| Average equity | $26,580,600 | 2,587 |
| Average total loans | $195,716,600 | 2,113 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1165% | 503 |
| Cost of funding earning assets | 0.3323% | 3,954 |
| Net interest margin | 4.7842% | 391 |
| Noninterest income to average assets | 1.1158% | 968 |
| Noninterest expense to average assets | 4.2618% | 509 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1320% | 1,890 |
| Return on assets (ROA) | 1.1320% | 1,963 |
| Pretax return on assets | 1.1320% | 3,088 |
| Return on Equity (ROE) | 10.9037% | 1,740 |
| Retained earnings to average equity (ytd only) | 2.2029% | 4,780 |
| Net charge-offs to loans | 0.4690% | 535 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 3.1789% | 3,546 |
| Efficiency ratio | 79.0126% | 1,802 |
| Assets per employee ($millions) | 2.6657% | 5,859 |
| Cash dividends to net income (ytd only)* | 79.7972% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4833% | 2,227 |
| Loan loss allowance to noncurrent loans | 134.6891% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 1.1023% | 2,149 |
| Noncurrent loans to loans | 1.1013% | 2,291 |
| Net loans and leases to total assets | 74.7710% | 1,593 |
| Net loans and leases to deposits | 93.3677% | 1,272 |
| Net loans and leases to core deposits | 120.4723% | 453 |
| Total domestic deposits to total assets | 80.0823% | 4,724 |
| Equity capital to assets | 10.4475% | 3,654 |
| Core capital (leverage) ratio | 10.5480% | 2,992 |
| Tier 1 risk-based capital ratio | 14.4512% | 3,606 |
| Total risk-based capital ratio | 15.7048% | 3,511 |
| Memoranda: | ||
| Average total assets | $255,348,500 | 2,482 |
| Average earning assets | $228,329,500 | 2,545 |
| Average equity | $26,510,250 | 2,610 |
| Average total loans | $193,896,750 | 2,145 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1198% | 483 |
| Cost of funding earning assets | 0.3277% | 4,076 |
| Net interest margin | 4.7922% | 371 |
| Noninterest income to average assets | 1.0817% | 1,026 |
| Noninterest expense to average assets | 4.2365% | 526 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1326% | 1,830 |
| Return on assets (ROA) | 1.1326% | 1,911 |
| Pretax return on assets | 1.1326% | 3,039 |
| Return on Equity (ROE) | 10.9325% | 1,702 |
| Retained earnings to average equity (ytd only) | 1.6493% | 4,875 |
| Net charge-offs to loans | 0.5542% | 439 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 2.6909% | 3,303 |
| Efficiency ratio | 78.9051% | 1,932 |
| Assets per employee ($millions) | 2.6967% | 5,919 |
| Cash dividends to net income (ytd only)* | 84.9135% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5763% | 1,985 |
| Loan loss allowance to noncurrent loans | 126.8650% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 1.1615% | 2,184 |
| Noncurrent loans to loans | 1.2425% | 2,171 |
| Net loans and leases to total assets | 75.3606% | 1,460 |
| Net loans and leases to deposits | 92.6081% | 1,305 |
| Net loans and leases to core deposits | 119.1637% | 485 |
| Total domestic deposits to total assets | 81.3758% | 4,497 |
| Equity capital to assets | 10.5731% | 3,369 |
| Core capital (leverage) ratio | 10.3070% | 3,212 |
| Tier 1 risk-based capital ratio | 10.7245% | 5,832 |
| Total risk-based capital ratio | 11.9545% | 5,779 |
| Memoranda: | ||
| Average total assets | $255,162,000 | 2,497 |
| Average earning assets | $228,289,000 | 2,555 |
| Average equity | $26,435,000 | 2,623 |
| Average total loans | $193,787,000 | 2,142 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1194% | 467 |
| Cost of funding earning assets | 0.3253% | 4,163 |
| Net interest margin | 4.7941% | 358 |
| Noninterest income to average assets | 0.9730% | 1,179 |
| Noninterest expense to average assets | 4.1252% | 599 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1316% | 1,752 |
| Return on assets (ROA) | 1.1316% | 1,858 |
| Pretax return on assets | 1.1316% | 2,941 |
| Return on Equity (ROE) | 11.0328% | 1,622 |
| Retained earnings to average equity (ytd only) | 3.4250% | 3,933 |
| Net charge-offs to loans | 1.1384% | 202 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.3141% | 2,938 |
| Efficiency ratio | 78.4743% | 2,119 |
| Assets per employee ($millions) | 2.9616% | 5,718 |
| Cash dividends to net income (ytd only)* | 68.9560% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5354% | 2,294 |
| Loan loss allowance to noncurrent loans | 120.3681% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 1.2478% | 2,141 |
| Noncurrent loans to loans | 1.2756% | 2,245 |
| Net loans and leases to total assets | 74.8694% | 1,378 |
| Net loans and leases to deposits | 99.9368% | 565 |
| Net loans and leases to core deposits | 120.9767% | 388 |
| Total domestic deposits to total assets | 74.9168% | 5,835 |
| Equity capital to assets | 10.3156% | 3,759 |
| Core capital (leverage) ratio | 10.4319% | 3,061 |
| Tier 1 risk-based capital ratio | 14.0383% | 3,976 |
| Total risk-based capital ratio | 15.2926% | 3,902 |
| Memoranda: | ||
| Average total assets | $257,344,500 | 2,492 |
| Average earning assets | $229,948,000 | 2,555 |
| Average equity | $26,394,000 | 2,636 |
| Average total loans | $194,666,000 | 2,129 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6787% | 237 |
| Cost of funding earning assets | 0.3371% | 4,399 |
| Net interest margin | 5.3416% | 169 |
| Noninterest income to average assets | 1.3054% | 716 |
| Noninterest expense to average assets | 4.8587% | 343 |
| Loan and lease loss provision to assets | 0.0490% | 3,589 |
| Net operating income to assets | 1.1079% | 1,949 |
| Return on assets (ROA) | 1.1079% | 1,997 |
| Pretax return on assets | 1.1079% | 3,047 |
| Return on Equity (ROE) | 9.4567% | 2,360 |
| Retained earnings to average equity (ytd only) | -6.3130% | 6,231 |
| Net charge-offs to loans | 0.1305% | 2,708 |
| Credit loss provision to net charge-offs | 47.3029% | 3,543 |
| Earnings coverage of net charge-offs (x) | 11.1577% | 2,535 |
| Efficiency ratio | 80.7681% | 1,807 |
| Assets per employee ($millions) | 2.8880% | 5,844 |
| Cash dividends to net income (ytd only)* | 166.7573% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8416% | 1,445 |
| Loan loss allowance to noncurrent loans | 96.4005% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 1.7959% | 1,456 |
| Noncurrent loans to loans | 1.9104% | 1,477 |
| Net loans and leases to total assets | 73.8646% | 1,605 |
| Net loans and leases to deposits | 93.6695% | 1,112 |
| Net loans and leases to core deposits | 114.7396% | 565 |
| Total domestic deposits to total assets | 78.8566% | 5,278 |
| Equity capital to assets | 10.1968% | 3,855 |
| Core capital (leverage) ratio | 10.6479% | 2,779 |
| Tier 1 risk-based capital ratio | 14.1118% | 4,025 |
| Total risk-based capital ratio | 15.1900% | 4,068 |
| Memoranda: | ||
| Average total assets | $232,426,200 | 2,671 |
| Average earning assets | $204,957,400 | 2,754 |
| Average equity | $27,229,400 | 2,469 |
| Average total loans | $184,607,800 | 2,175 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8381% | 183 |
| Cost of funding earning assets | 0.3298% | 4,567 |
| Net interest margin | 5.5083% | 135 |
| Noninterest income to average assets | 1.3700% | 659 |
| Noninterest expense to average assets | 5.0180% | 305 |
| Loan and lease loss provision to assets | 0.0672% | 3,004 |
| Net operating income to assets | 1.1272% | 1,943 |
| Return on assets (ROA) | 1.1272% | 2,005 |
| Pretax return on assets | 1.1272% | 3,079 |
| Return on Equity (ROE) | 9.2801% | 2,550 |
| Retained earnings to average equity (ytd only) | -9.1055% | 6,358 |
| Net charge-offs to loans | 0.0870% | 2,964 |
| Credit loss provision to net charge-offs | 95.7983% | 2,325 |
| Earnings coverage of net charge-offs (x) | 17.0339% | 1,925 |
| Efficiency ratio | 80.7740% | 1,797 |
| Assets per employee ($millions) | 2.4671% | 6,244 |
| Cash dividends to net income (ytd only)* | 198.1185% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9856% | 1,284 |
| Loan loss allowance to noncurrent loans | 131.2433% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 1.8582% | 1,589 |
| Noncurrent loans to loans | 1.5129% | 2,143 |
| Net loans and leases to total assets | 77.5908% | 1,007 |
| Net loans and leases to deposits | 98.0757% | 730 |
| Net loans and leases to core deposits | 117.1335% | 460 |
| Total domestic deposits to total assets | 79.1131% | 5,302 |
| Equity capital to assets | 11.1515% | 2,811 |
| Core capital (leverage) ratio | 11.1897% | 2,321 |
| Tier 1 risk-based capital ratio | 14.6468% | 3,791 |
| Total risk-based capital ratio | 15.7726% | 3,812 |
| Memoranda: | ||
| Average total assets | $226,275,000 | 2,750 |
| Average earning assets | $198,918,500 | 2,841 |
| Average equity | $27,484,500 | 2,448 |
| Average total loans | $182,405,500 | 2,212 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8729% | 174 |
| Cost of funding earning assets | 0.3310% | 4,632 |
| Net interest margin | 5.5419% | 126 |
| Noninterest income to average assets | 1.3696% | 641 |
| Noninterest expense to average assets | 5.0954% | 294 |
| Loan and lease loss provision to assets | 0.1020% | 2,319 |
| Net operating income to assets | 1.0404% | 2,160 |
| Return on assets (ROA) | 1.0404% | 2,227 |
| Pretax return on assets | 1.0404% | 3,320 |
| Return on Equity (ROE) | 8.3268% | 2,923 |
| Retained earnings to average equity (ytd only) | -2.3054% | 6,031 |
| Net charge-offs to loans | 0.0618% | 3,093 |
| Credit loss provision to net charge-offs | 203.5714% | 1,149 |
| Earnings coverage of net charge-offs (x) | 22.8036% | 1,492 |
| Efficiency ratio | 81.6865% | 1,778 |
| Assets per employee ($millions) | 2.3915% | 6,365 |
| Cash dividends to net income (ytd only)* | 127.6870% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9724% | 1,415 |
| Loan loss allowance to noncurrent loans | 138.6607% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 2.2062% | 1,378 |
| Noncurrent loans to loans | 1.4225% | 2,426 |
| Net loans and leases to total assets | 80.2974% | 653 |
| Net loans and leases to deposits | 101.5355% | 475 |
| Net loans and leases to core deposits | 119.9942% | 379 |
| Total domestic deposits to total assets | 79.0830% | 5,439 |
| Equity capital to assets | 11.9524% | 2,019 |
| Core capital (leverage) ratio | 12.1431% | 1,577 |
| Tier 1 risk-based capital ratio | 15.1376% | 3,562 |
| Total risk-based capital ratio | 16.2355% | 3,590 |
| Memoranda: | ||
| Average total assets | $223,576,000 | 2,782 |
| Average earning assets | $196,395,000 | 2,879 |
| Average equity | $27,934,000 | 2,414 |
| Average total loans | $181,362,330 | 2,219 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8199% | 181 |
| Cost of funding earning assets | 0.3263% | 4,778 |
| Net interest margin | 5.4935% | 130 |
| Noninterest income to average assets | 1.4149% | 583 |
| Noninterest expense to average assets | 5.1857% | 283 |
| Loan and lease loss provision to assets | 0.2079% | 1,113 |
| Net operating income to assets | 0.8406% | 2,949 |
| Return on assets (ROA) | 0.8406% | 3,022 |
| Pretax return on assets | 0.8406% | 3,938 |
| Return on Equity (ROE) | 6.5769% | 3,696 |
| Retained earnings to average equity (ytd only) | 0.0143% | 5,542 |
| Net charge-offs to loans | 0.0813% | 2,342 |
| Credit loss provision to net charge-offs | 316.6667% | 768 |
| Earnings coverage of net charge-offs (x) | 15.9722% | 1,525 |
| Efficiency ratio | 83.1822% | 1,772 |
| Assets per employee ($millions) | 2.2618% | 6,484 |
| Cash dividends to net income (ytd only)* | 99.7831% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0775% | 1,375 |
| Loan loss allowance to noncurrent loans | 128.5909% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 2.4258% | 1,327 |
| Noncurrent loans to loans | 1.6156% | 2,408 |
| Net loans and leases to total assets | 80.1454% | 535 |
| Net loans and leases to deposits | 95.0106% | 719 |
| Net loans and leases to core deposits | 110.4446% | 572 |
| Total domestic deposits to total assets | 84.3542% | 4,142 |
| Equity capital to assets | 12.6515% | 1,487 |
| Core capital (leverage) ratio | 12.4968% | 1,388 |
| Tier 1 risk-based capital ratio | 16.0206% | 3,162 |
| Total risk-based capital ratio | 17.1692% | 3,163 |
| Memoranda: | ||
| Average total assets | $219,374,500 | 2,835 |
| Average earning assets | $192,444,000 | 2,941 |
| Average equity | $28,037,500 | 2,405 |
| Average total loans | $177,033,000 | 2,265 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9221% | 195 |
| Cost of funding earning assets | 0.4004% | 4,653 |
| Net interest margin | 5.5218% | 130 |
| Noninterest income to average assets | 1.4535% | 656 |
| Noninterest expense to average assets | 5.0395% | 342 |
| Loan and lease loss provision to assets | 0.3008% | 1,120 |
| Net operating income to assets | 0.9739% | 2,447 |
| Return on assets (ROA) | 0.9739% | 2,516 |
| Pretax return on assets | 0.9739% | 3,456 |
| Return on Equity (ROE) | 7.5613% | 3,269 |
| Retained earnings to average equity (ytd only) | 0.5687% | 5,588 |
| Net charge-offs to loans | 0.3697% | 1,830 |
| Credit loss provision to net charge-offs | 105.4927% | 2,289 |
| Earnings coverage of net charge-offs (x) | 4.4701% | 3,558 |
| Efficiency ratio | 79.8118% | 2,177 |
| Assets per employee ($millions) | 2.0874% | 6,613 |
| Cash dividends to net income (ytd only)* | 92.4787% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1373% | 1,271 |
| Loan loss allowance to noncurrent loans | 112.9131% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 2.5293% | 1,350 |
| Noncurrent loans to loans | 1.8929% | 2,125 |
| Net loans and leases to total assets | 77.8283% | 846 |
| Net loans and leases to deposits | 92.2366% | 1,031 |
| Net loans and leases to core deposits | 113.9113% | 473 |
| Total domestic deposits to total assets | 84.3790% | 4,027 |
| Equity capital to assets | 12.9125% | 1,315 |
| Core capital (leverage) ratio | 12.4968% | 1,365 |
| Tier 1 risk-based capital ratio | 16.5132% | 2,850 |
| Total risk-based capital ratio | 17.6972% | 2,843 |
| Memoranda: | ||
| Average total assets | $217,067,200 | 2,839 |
| Average earning assets | $191,079,600 | 2,940 |
| Average equity | $27,958,000 | 2,383 |
| Average total loans | $167,438,400 | 2,332 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9126% | 202 |
| Cost of funding earning assets | 0.4080% | 4,755 |
| Net interest margin | 5.5046% | 132 |
| Noninterest income to average assets | 1.5749% | 590 |
| Noninterest expense to average assets | 4.8925% | 365 |
| Loan and lease loss provision to assets | 0.4011% | 752 |
| Net operating income to assets | 1.1296% | 1,887 |
| Return on assets (ROA) | 1.1296% | 1,959 |
| Pretax return on assets | 1.1296% | 2,984 |
| Return on Equity (ROE) | 8.7759% | 2,752 |
| Retained earnings to average equity (ytd only) | 0.1575% | 5,889 |
| Net charge-offs to loans | 0.3515% | 1,789 |
| Credit loss provision to net charge-offs | 149.0868% | 1,583 |
| Earnings coverage of net charge-offs (x) | 5.6894% | 3,129 |
| Efficiency ratio | 76.1691% | 2,712 |
| Assets per employee ($millions) | 2.0581% | 6,689 |
| Cash dividends to net income (ytd only)* | 98.2055% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2500% | 1,253 |
| Loan loss allowance to noncurrent loans | 107.5278% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 2.9073% | 1,277 |
| Noncurrent loans to loans | 2.0925% | 2,139 |
| Net loans and leases to total assets | 79.3326% | 619 |
| Net loans and leases to deposits | 94.1592% | 823 |
| Net loans and leases to core deposits | 115.5160% | 408 |
| Total domestic deposits to total assets | 84.2537% | 4,082 |
| Equity capital to assets | 13.1914% | 1,246 |
| Core capital (leverage) ratio | 13.0887% | 1,170 |
| Tier 1 risk-based capital ratio | 16.4762% | 2,943 |
| Total risk-based capital ratio | 17.6629% | 2,944 |
| Memoranda: | ||
| Average total assets | $217,061,000 | 2,866 |
| Average earning assets | $191,181,500 | 2,958 |
| Average equity | $27,939,500 | 2,413 |
| Average total loans | $166,135,750 | 2,352 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7954% | 244 |
| Cost of funding earning assets | 0.4388% | 4,559 |
| Net interest margin | 5.3566% | 169 |
| Noninterest income to average assets | 1.5991% | 618 |
| Noninterest expense to average assets | 4.8073% | 414 |
| Loan and lease loss provision to assets | 0.3904% | 812 |
| Net operating income to assets | 1.1337% | 1,801 |
| Return on assets (ROA) | 1.1337% | 1,914 |
| Pretax return on assets | 1.1337% | 2,959 |
| Return on Equity (ROE) | 8.8789% | 2,666 |
| Retained earnings to average equity (ytd only) | -1.3963% | 6,110 |
| Net charge-offs to loans | 0.4020% | 1,606 |
| Credit loss provision to net charge-offs | 129.3939% | 1,747 |
| Earnings coverage of net charge-offs (x) | 5.0515% | 2,973 |
| Efficiency ratio | 75.9278% | 2,802 |
| Assets per employee ($millions) | 2.1176% | 6,709 |
| Cash dividends to net income (ytd only)* | 115.7258% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2038% | 1,413 |
| Loan loss allowance to noncurrent loans | 152.5610% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 2.3177% | 1,865 |
| Noncurrent loans to loans | 1.4445% | 3,135 |
| Net loans and leases to total assets | 78.6488% | 685 |
| Net loans and leases to deposits | 91.8013% | 985 |
| Net loans and leases to core deposits | 111.2457% | 513 |
| Total domestic deposits to total assets | 85.6729% | 3,545 |
| Equity capital to assets | 13.0889% | 1,315 |
| Core capital (leverage) ratio | 12.8532% | 1,225 |
| Tier 1 risk-based capital ratio | 16.1746% | 3,102 |
| Total risk-based capital ratio | 17.3492% | 3,079 |
| Memoranda: | ||
| Average total assets | $218,752,670 | 2,859 |
| Average earning assets | $193,256,000 | 2,953 |
| Average equity | $27,931,330 | 2,427 |
| Average total loans | $164,166,000 | 2,381 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6403% | 296 |
| Cost of funding earning assets | 0.4557% | 4,532 |
| Net interest margin | 5.1846% | 198 |
| Noninterest income to average assets | 1.6234% | 593 |
| Noninterest expense to average assets | 4.6866% | 459 |
| Loan and lease loss provision to assets | 0.3726% | 856 |
| Net operating income to assets | 1.1717% | 1,610 |
| Return on assets (ROA) | 1.1717% | 1,719 |
| Pretax return on assets | 1.1717% | 2,679 |
| Return on Equity (ROE) | 9.2872% | 2,357 |
| Retained earnings to average equity (ytd only) | 0.4565% | 5,641 |
| Net charge-offs to loans | 0.4519% | 1,322 |
| Credit loss provision to net charge-offs | 113.7363% | 1,658 |
| Earnings coverage of net charge-offs (x) | 4.7143% | 2,493 |
| Efficiency ratio | 75.2166% | 3,057 |
| Assets per employee ($millions) | 2.0804% | 6,822 |
| Cash dividends to net income (ytd only)* | 95.0845% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3091% | 1,396 |
| Loan loss allowance to noncurrent loans | 122.1485% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 2.3082% | 2,014 |
| Noncurrent loans to loans | 1.8904% | 2,748 |
| Net loans and leases to total assets | 71.3507% | 1,463 |
| Net loans and leases to deposits | 84.9241% | 1,481 |
| Net loans and leases to core deposits | 92.5797% | 1,450 |
| Total domestic deposits to total assets | 84.0170% | 4,474 |
| Equity capital to assets | 12.8416% | 1,504 |
| Core capital (leverage) ratio | 12.5516% | 1,314 |
| Tier 1 risk-based capital ratio | 17.2789% | 2,653 |
| Total risk-based capital ratio | 18.5234% | 2,620 |
| Memoranda: | ||
| Average total assets | $222,249,500 | 2,845 |
| Average earning assets | $197,508,500 | 2,926 |
| Average equity | $28,038,500 | 2,442 |
| Average total loans | $161,099,500 | 2,431 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6813% | 444 |
| Cost of funding earning assets | 0.6335% | 4,064 |
| Net interest margin | 5.0478% | 355 |
| Noninterest income to average assets | 1.6356% | 594 |
| Noninterest expense to average assets | 4.7321% | 461 |
| Loan and lease loss provision to assets | 0.3294% | 2,063 |
| Net operating income to assets | 1.0287% | 2,214 |
| Return on assets (ROA) | 1.0287% | 2,422 |
| Pretax return on assets | 1.0287% | 3,443 |
| Return on Equity (ROE) | 8.4039% | 2,914 |
| Retained earnings to average equity (ytd only) | 3.7639% | 3,563 |
| Net charge-offs to loans | 0.3514% | 2,877 |
| Credit loss provision to net charge-offs | 134.9817% | 2,068 |
| Earnings coverage of net charge-offs (x) | 5.5659% | 3,006 |
| Efficiency ratio | 77.7003% | 2,496 |
| Assets per employee ($millions) | 2.1530% | 6,857 |
| Cash dividends to net income (ytd only)* | 55.2129% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2593% | 1,440 |
| Loan loss allowance to noncurrent loans | 107.1429% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 2.4732% | 1,975 |
| Noncurrent loans to loans | 2.1087% | 2,569 |
| Net loans and leases to total assets | 70.3275% | 1,776 |
| Net loans and leases to deposits | 83.7908% | 1,778 |
| Net loans and leases to core deposits | 92.8010% | 1,571 |
| Total domestic deposits to total assets | 83.9322% | 4,345 |
| Equity capital to assets | 12.3975% | 1,789 |
| Core capital (leverage) ratio | 12.0565% | 1,537 |
| Tier 1 risk-based capital ratio | 16.8984% | 2,701 |
| Total risk-based capital ratio | 17.9348% | 2,775 |
| Memoranda: | ||
| Average total assets | $223,767,400 | 2,799 |
| Average earning assets | $197,472,200 | 2,869 |
| Average equity | $27,392,000 | 2,457 |
| Average total loans | $155,357,200 | 2,498 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7569% | 421 |
| Cost of funding earning assets | 0.6663% | 4,053 |
| Net interest margin | 5.0906% | 342 |
| Noninterest income to average assets | 1.6446% | 559 |
| Noninterest expense to average assets | 4.6661% | 473 |
| Loan and lease loss provision to assets | 0.3841% | 1,678 |
| Net operating income to assets | 1.0717% | 2,202 |
| Return on assets (ROA) | 1.0717% | 2,412 |
| Pretax return on assets | 1.0717% | 3,457 |
| Return on Equity (ROE) | 8.7831% | 2,911 |
| Retained earnings to average equity (ytd only) | 2.5605% | 5,033 |
| Net charge-offs to loans | 0.1355% | 4,037 |
| Credit loss provision to net charge-offs | 412.1795% | 652 |
| Earnings coverage of net charge-offs (x) | 15.6221% | 1,748 |
| Efficiency ratio | 76.2198% | 2,644 |
| Assets per employee ($millions) | 2.0680% | 6,978 |
| Cash dividends to net income (ytd only)* | 70.8471% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4965% | 1,214 |
| Loan loss allowance to noncurrent loans | 113.1376% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 2.9640% | 1,764 |
| Noncurrent loans to loans | 2.2066% | 2,611 |
| Net loans and leases to total assets | 71.4071% | 1,661 |
| Net loans and leases to deposits | 85.2859% | 1,689 |
| Net loans and leases to core deposits | 95.2760% | 1,461 |
| Total domestic deposits to total assets | 83.7267% | 4,347 |
| Equity capital to assets | 12.6908% | 1,772 |
| Core capital (leverage) ratio | 12.3981% | 1,448 |
| Tier 1 risk-based capital ratio | 16.9612% | 2,748 |
| Total risk-based capital ratio | 18.2264% | 2,705 |
| Memoranda: | ||
| Average total assets | $223,194,000 | 2,823 |
| Average earning assets | $196,304,000 | 2,910 |
| Average equity | $27,233,500 | 2,488 |
| Average total loans | $153,532,000 | 2,550 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5155% | 695 |
| Cost of funding earning assets | 0.6980% | 4,027 |
| Net interest margin | 4.8175% | 540 |
| Noninterest income to average assets | 1.5665% | 602 |
| Noninterest expense to average assets | 4.6445% | 480 |
| Loan and lease loss provision to assets | 0.4094% | 1,603 |
| Net operating income to assets | 0.7664% | 3,527 |
| Return on assets (ROA) | 0.7664% | 3,797 |
| Pretax return on assets | 0.7664% | 4,583 |
| Return on Equity (ROE) | 6.3630% | 4,122 |
| Retained earnings to average equity (ytd only) | 0.8332% | 5,732 |
| Net charge-offs to loans | 0.1424% | 3,779 |
| Credit loss provision to net charge-offs | 426.8519% | 697 |
| Earnings coverage of net charge-offs (x) | 12.2593% | 1,894 |
| Efficiency ratio | 79.7986% | 2,216 |
| Assets per employee ($millions) | 2.0378% | 7,042 |
| Cash dividends to net income (ytd only)* | 86.9061% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4276% | 1,374 |
| Loan loss allowance to noncurrent loans | 100.5506% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 3.0852% | 1,778 |
| Noncurrent loans to loans | 2.4143% | 2,492 |
| Net loans and leases to total assets | 69.3953% | 2,030 |
| Net loans and leases to deposits | 82.2974% | 2,079 |
| Net loans and leases to core deposits | 91.8491% | 1,793 |
| Total domestic deposits to total assets | 84.3227% | 4,179 |
| Equity capital to assets | 12.2167% | 1,995 |
| Core capital (leverage) ratio | 11.9276% | 1,640 |
| Tier 1 risk-based capital ratio | 16.6888% | 2,810 |
| Total risk-based capital ratio | 17.9507% | 2,758 |
| Memoranda: | ||
| Average total assets | $225,211,670 | 2,814 |
| Average earning assets | $198,856,670 | 2,888 |
| Average equity | $27,125,670 | 2,471 |
| Average total loans | $151,701,330 | 2,591 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5288% | 718 |
| Cost of funding earning assets | 0.7217% | 4,096 |
| Net interest margin | 4.8071% | 555 |
| Noninterest income to average assets | 1.4765% | 666 |
| Noninterest expense to average assets | 4.7011% | 460 |
| Loan and lease loss provision to assets | 0.5063% | 1,196 |
| Net operating income to assets | 0.5345% | 4,675 |
| Return on assets (ROA) | 0.5345% | 4,883 |
| Pretax return on assets | 0.5345% | 5,326 |
| Return on Equity (ROE) | 4.4689% | 5,058 |
| Retained earnings to average equity (ytd only) | 2.5221% | 4,995 |
| Net charge-offs to loans | 0.1669% | 3,087 |
| Credit loss provision to net charge-offs | 462.9032% | 700 |
| Earnings coverage of net charge-offs (x) | 9.5161% | 1,836 |
| Efficiency ratio | 81.8740% | 1,946 |
| Assets per employee ($millions) | 2.1014% | 7,087 |
| Cash dividends to net income (ytd only)* | 43.5644% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4744% | 1,394 |
| Loan loss allowance to noncurrent loans | 113.9128% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 2.8389% | 2,063 |
| Noncurrent loans to loans | 2.1722% | 2,942 |
| Net loans and leases to total assets | 64.4125% | 2,784 |
| Net loans and leases to deposits | 76.1328% | 2,779 |
| Net loans and leases to core deposits | 84.9150% | 2,421 |
| Total domestic deposits to total assets | 84.6054% | 4,218 |
| Equity capital to assets | 11.9895% | 2,053 |
| Core capital (leverage) ratio | 11.8067% | 1,709 |
| Tier 1 risk-based capital ratio | 17.1298% | 2,635 |
| Total risk-based capital ratio | 18.3936% | 2,592 |
| Memoranda: | ||
| Average total assets | $226,756,000 | 2,807 |
| Average earning assets | $201,202,500 | 2,882 |
| Average equity | $27,120,500 | 2,465 |
| Average total loans | $148,563,000 | 2,655 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9010% | 518 |
| Cost of funding earning assets | 0.8494% | 4,474 |
| Net interest margin | 5.0516% | 366 |
| Noninterest income to average assets | 1.7409% | 468 |
| Noninterest expense to average assets | 4.5956% | 534 |
| Loan and lease loss provision to assets | 0.7439% | 1,360 |
| Net operating income to assets | 0.8707% | 2,733 |
| Return on assets (ROA) | 0.8707% | 2,875 |
| Pretax return on assets | 0.8707% | 3,708 |
| Return on Equity (ROE) | 8.2204% | 2,796 |
| Retained earnings to average equity (ytd only) | 1.4423% | 5,174 |
| Net charge-offs to loans | 1.0341% | 1,683 |
| Credit loss provision to net charge-offs | 98.9308% | 3,625 |
| Earnings coverage of net charge-offs (x) | 2.1472% | 4,174 |
| Efficiency ratio | 74.0005% | 3,240 |
| Assets per employee ($millions) | 2.4626% | 6,866 |
| Cash dividends to net income (ytd only)* | 82.4552% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3657% | 1,512 |
| Loan loss allowance to noncurrent loans | 57.9534% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 4.0868% | 1,401 |
| Noncurrent loans to loans | 4.0821% | 1,526 |
| Net loans and leases to total assets | 63.4483% | 3,300 |
| Net loans and leases to deposits | 74.9864% | 3,348 |
| Net loans and leases to core deposits | 83.3542% | 2,974 |
| Total domestic deposits to total assets | 84.6131% | 4,039 |
| Equity capital to assets | 11.9308% | 2,179 |
| Core capital (leverage) ratio | 12.0650% | 1,557 |
| Tier 1 risk-based capital ratio | 17.3884% | 2,424 |
| Total risk-based capital ratio | 18.6562% | 2,387 |
| Memoranda: | ||
| Average total assets | $211,440,200 | 2,926 |
| Average earning assets | $187,070,400 | 2,998 |
| Average equity | $22,395,400 | 2,846 |
| Average total loans | $153,750,800 | 2,588 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0325% | 431 |
| Cost of funding earning assets | 0.8863% | 4,497 |
| Net interest margin | 5.1462% | 313 |
| Noninterest income to average assets | 1.7939% | 445 |
| Noninterest expense to average assets | 4.5644% | 546 |
| Loan and lease loss provision to assets | 0.7673% | 1,229 |
| Net operating income to assets | 1.0029% | 2,306 |
| Return on assets (ROA) | 1.0029% | 2,457 |
| Pretax return on assets | 1.0029% | 3,385 |
| Return on Equity (ROE) | 9.8066% | 2,271 |
| Retained earnings to average equity (ytd only) | 0.2763% | 5,872 |
| Net charge-offs to loans | 1.0323% | 1,551 |
| Credit loss provision to net charge-offs | 99.3350% | 3,441 |
| Earnings coverage of net charge-offs (x) | 2.2918% | 3,983 |
| Efficiency ratio | 72.0555% | 3,542 |
| Assets per employee ($millions) | 2.0191% | 7,233 |
| Cash dividends to net income (ytd only)* | 97.1833% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3096% | 1,672 |
| Loan loss allowance to noncurrent loans | 43.4328% | 5,416 |
| Noncurrent assets plus other real estate owned to assets | 5.4734% | 1,022 |
| Noncurrent loans to loans | 5.3177% | 1,137 |
| Net loans and leases to total assets | 71.0199% | 1,901 |
| Net loans and leases to deposits | 85.2752% | 1,791 |
| Net loans and leases to core deposits | 95.8686% | 1,617 |
| Total domestic deposits to total assets | 83.2832% | 4,566 |
| Equity capital to assets | 12.8595% | 1,678 |
| Core capital (leverage) ratio | 13.0558% | 1,211 |
| Tier 1 risk-based capital ratio | 17.3090% | 2,520 |
| Total risk-based capital ratio | 18.5777% | 2,477 |
| Memoranda: | ||
| Average total assets | $207,661,250 | 2,987 |
| Average earning assets | $183,226,250 | 3,060 |
| Average equity | $21,236,750 | 2,977 |
| Average total loans | $155,381,250 | 2,583 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1212% | 371 |
| Cost of funding earning assets | 0.9276% | 4,471 |
| Net interest margin | 5.1935% | 276 |
| Noninterest income to average assets | 1.8058% | 415 |
| Noninterest expense to average assets | 4.4797% | 606 |
| Loan and lease loss provision to assets | 0.7872% | 1,172 |
| Net operating income to assets | 1.1245% | 1,807 |
| Return on assets (ROA) | 1.1245% | 1,888 |
| Pretax return on assets | 1.1245% | 2,757 |
| Return on Equity (ROE) | 12.0303% | 1,477 |
| Retained earnings to average equity (ytd only) | -1.2164% | 6,095 |
| Net charge-offs to loans | 0.9593% | 1,633 |
| Credit loss provision to net charge-offs | 108.6436% | 2,821 |
| Earnings coverage of net charge-offs (x) | 2.6383% | 3,513 |
| Efficiency ratio | 70.0889% | 4,103 |
| Assets per employee ($millions) | 1.9976% | 7,299 |
| Cash dividends to net income (ytd only)* | 110.1114% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2886% | 1,767 |
| Loan loss allowance to noncurrent loans | 65.7506% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 4.2817% | 1,484 |
| Noncurrent loans to loans | 3.4807% | 2,030 |
| Net loans and leases to total assets | 74.7031% | 1,283 |
| Net loans and leases to deposits | 86.3152% | 1,743 |
| Net loans and leases to core deposits | 96.9447% | 1,588 |
| Total domestic deposits to total assets | 86.5469% | 3,014 |
| Equity capital to assets | 9.6171% | 4,637 |
| Core capital (leverage) ratio | 9.6332% | 3,758 |
| Tier 1 risk-based capital ratio | 12.3984% | 5,442 |
| Total risk-based capital ratio | 13.6625% | 5,406 |
| Memoranda: | ||
| Average total assets | $207,558,330 | 3,001 |
| Average earning assets | $183,266,000 | 3,084 |
| Average equity | $19,401,000 | 3,216 |
| Average total loans | $156,777,670 | 2,588 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9768% | 494 |
| Cost of funding earning assets | 0.9785% | 4,356 |
| Net interest margin | 4.9983% | 385 |
| Noninterest income to average assets | 1.8180% | 420 |
| Noninterest expense to average assets | 4.3082% | 722 |
| Loan and lease loss provision to assets | 0.8383% | 987 |
| Net operating income to assets | 1.1000% | 1,844 |
| Return on assets (ROA) | 1.1000% | 1,892 |
| Pretax return on assets | 1.1000% | 2,756 |
| Return on Equity (ROE) | 11.9354% | 1,477 |
| Retained earnings to average equity (ytd only) | -3.9370% | 6,406 |
| Net charge-offs to loans | 1.2894% | 1,073 |
| Credit loss provision to net charge-offs | 86.5878% | 3,003 |
| Earnings coverage of net charge-offs (x) | 2.0020% | 3,305 |
| Efficiency ratio | 68.9697% | 4,484 |
| Assets per employee ($millions) | 1.9698% | 7,371 |
| Cash dividends to net income (ytd only)* | 132.9861% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2013% | 1,963 |
| Loan loss allowance to noncurrent loans | 57.8779% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 3.7731% | 1,791 |
| Noncurrent loans to loans | 3.8033% | 1,929 |
| Net loans and leases to total assets | 75.1332% | 1,157 |
| Net loans and leases to deposits | 86.7078% | 1,617 |
| Net loans and leases to core deposits | 95.2867% | 1,740 |
| Total domestic deposits to total assets | 86.6511% | 3,150 |
| Equity capital to assets | 9.5182% | 4,401 |
| Core capital (leverage) ratio | 9.2620% | 4,184 |
| Tier 1 risk-based capital ratio | 12.4725% | 5,293 |
| Total risk-based capital ratio | 13.7341% | 5,257 |
| Memoranda: | ||
| Average total assets | $209,461,500 | 2,993 |
| Average earning assets | $185,584,500 | 3,075 |
| Average equity | $19,304,000 | 3,221 |
| Average total loans | $157,279,500 | 2,600 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5059% | 315 |
| Cost of funding earning assets | 1.4464% | 2,982 |
| Net interest margin | 5.0595% | 383 |
| Noninterest income to average assets | 1.6532% | 536 |
| Noninterest expense to average assets | 4.5584% | 613 |
| Loan and lease loss provision to assets | 0.7701% | 2,127 |
| Net operating income to assets | 0.8241% | 2,694 |
| Return on assets (ROA) | 0.8241% | 2,834 |
| Pretax return on assets | 0.8241% | 3,553 |
| Return on Equity (ROE) | 9.4705% | 2,120 |
| Retained earnings to average equity (ytd only) | 4.9692% | 2,426 |
| Net charge-offs to loans | 0.7291% | 2,831 |
| Credit loss provision to net charge-offs | 133.9968% | 2,914 |
| Earnings coverage of net charge-offs (x) | 2.7739% | 3,686 |
| Efficiency ratio | 74.0889% | 3,382 |
| Assets per employee ($millions) | 2.0381% | 7,401 |
| Cash dividends to net income (ytd only)* | 47.5292% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2061% | 1,854 |
| Loan loss allowance to noncurrent loans | 67.8357% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 3.7743% | 1,815 |
| Noncurrent loans to loans | 3.2522% | 2,336 |
| Net loans and leases to total assets | 71.8360% | 2,136 |
| Net loans and leases to deposits | 82.2271% | 2,759 |
| Net loans and leases to core deposits | 94.3164% | 2,217 |
| Total domestic deposits to total assets | 87.3629% | 2,631 |
| Equity capital to assets | 8.9322% | 5,231 |
| Core capital (leverage) ratio | 8.5239% | 5,315 |
| Tier 1 risk-based capital ratio | 12.2473% | 5,262 |
| Total risk-based capital ratio | 13.5094% | 5,214 |
| Memoranda: | ||
| Average total assets | $218,540,400 | 2,888 |
| Average earning assets | $194,347,000 | 2,945 |
| Average equity | $19,017,000 | 3,278 |
| Average total loans | $172,275,800 | 2,439 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5326% | 320 |
| Cost of funding earning assets | 1.5027% | 2,963 |
| Net interest margin | 5.0299% | 405 |
| Noninterest income to average assets | 1.5452% | 586 |
| Noninterest expense to average assets | 4.5018% | 592 |
| Loan and lease loss provision to assets | 0.5475% | 2,756 |
| Net operating income to assets | 0.9655% | 2,353 |
| Return on assets (ROA) | 0.9655% | 2,479 |
| Pretax return on assets | 0.9655% | 3,308 |
| Return on Equity (ROE) | 11.1677% | 1,731 |
| Retained earnings to average equity (ytd only) | 5.1440% | 2,878 |
| Net charge-offs to loans | 0.6087% | 2,919 |
| Credit loss provision to net charge-offs | 112.2195% | 3,764 |
| Earnings coverage of net charge-offs (x) | 3.1010% | 3,585 |
| Efficiency ratio | 74.8458% | 3,172 |
| Assets per employee ($millions) | 2.0530% | 7,494 |
| Cash dividends to net income (ytd only)* | 53.9379% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9187% | 2,427 |
| Loan loss allowance to noncurrent loans | 42.0613% | 5,490 |
| Noncurrent assets plus other real estate owned to assets | 4.6340% | 1,449 |
| Noncurrent loans to loans | 4.5617% | 1,574 |
| Net loans and leases to total assets | 72.4351% | 2,154 |
| Net loans and leases to deposits | 82.7891% | 2,950 |
| Net loans and leases to core deposits | 98.4411% | 2,004 |
| Total domestic deposits to total assets | 87.4936% | 2,264 |
| Equity capital to assets | 8.6719% | 6,071 |
| Core capital (leverage) ratio | 8.7060% | 5,176 |
| Tier 1 risk-based capital ratio | 11.4935% | 5,941 |
| Total risk-based capital ratio | 12.7513% | 5,920 |
| Memoranda: | ||
| Average total assets | $219,166,000 | 2,930 |
| Average earning assets | $194,751,750 | 2,985 |
| Average equity | $18,947,000 | 3,328 |
| Average total loans | $175,671,250 | 2,438 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6023% | 288 |
| Cost of funding earning assets | 1.5327% | 3,052 |
| Net interest margin | 5.0696% | 364 |
| Noninterest income to average assets | 1.5531% | 528 |
| Noninterest expense to average assets | 4.5141% | 567 |
| Loan and lease loss provision to assets | 0.5330% | 2,653 |
| Net operating income to assets | 1.0201% | 2,120 |
| Return on assets (ROA) | 1.0201% | 2,192 |
| Pretax return on assets | 1.0201% | 3,045 |
| Return on Equity (ROE) | 11.8123% | 1,496 |
| Retained earnings to average equity (ytd only) | 4.9484% | 2,932 |
| Net charge-offs to loans | 0.6520% | 2,588 |
| Credit loss provision to net charge-offs | 99.3151% | 4,135 |
| Earnings coverage of net charge-offs (x) | 2.8938% | 3,552 |
| Efficiency ratio | 74.4017% | 3,393 |
| Assets per employee ($millions) | 2.0346% | 7,562 |
| Cash dividends to net income (ytd only)* | 58.1081% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7792% | 2,785 |
| Loan loss allowance to noncurrent loans | 60.5523% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 3.1771% | 2,230 |
| Noncurrent loans to loans | 2.9383% | 2,721 |
| Net loans and leases to total assets | 76.4205% | 1,414 |
| Net loans and leases to deposits | 87.2080% | 2,305 |
| Net loans and leases to core deposits | 101.3152% | 1,887 |
| Total domestic deposits to total assets | 87.6301% | 2,193 |
| Equity capital to assets | 8.5908% | 6,032 |
| Core capital (leverage) ratio | 8.7432% | 5,016 |
| Tier 1 risk-based capital ratio | 11.0545% | 6,181 |
| Total risk-based capital ratio | 12.3047% | 6,170 |
| Memoranda: | ||
| Average total assets | $217,627,670 | 2,967 |
| Average earning assets | $193,780,670 | 3,024 |
| Average equity | $18,794,000 | 3,333 |
| Average total loans | $179,139,330 | 2,433 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7113% | 262 |
| Cost of funding earning assets | 1.5740% | 3,113 |
| Net interest margin | 5.1373% | 326 |
| Noninterest income to average assets | 1.3880% | 627 |
| Noninterest expense to average assets | 4.5260% | 568 |
| Loan and lease loss provision to assets | 0.5103% | 2,455 |
| Net operating income to assets | 0.9186% | 2,478 |
| Return on assets (ROA) | 0.9186% | 2,543 |
| Pretax return on assets | 0.9186% | 3,398 |
| Return on Equity (ROE) | 10.6081% | 1,906 |
| Retained earnings to average equity (ytd only) | 5.8291% | 2,698 |
| Net charge-offs to loans | 0.6797% | 2,131 |
| Credit loss provision to net charge-offs | 88.7097% | 3,687 |
| Earnings coverage of net charge-offs (x) | 2.4839% | 3,298 |
| Efficiency ratio | 76.0050% | 3,214 |
| Assets per employee ($millions) | 1.9482% | 7,689 |
| Cash dividends to net income (ytd only)* | 45.0505% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7121% | 3,017 |
| Loan loss allowance to noncurrent loans | 78.4755% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 2.8880% | 2,487 |
| Noncurrent loans to loans | 2.1817% | 3,554 |
| Net loans and leases to total assets | 81.3569% | 665 |
| Net loans and leases to deposits | 93.1526% | 1,457 |
| Net loans and leases to core deposits | 107.3392% | 1,470 |
| Total domestic deposits to total assets | 87.3371% | 2,440 |
| Equity capital to assets | 8.7810% | 5,588 |
| Core capital (leverage) ratio | 8.7958% | 4,863 |
| Tier 1 risk-based capital ratio | 10.7644% | 6,379 |
| Total risk-based capital ratio | 12.0177% | 6,360 |
| Memoranda: | ||
| Average total assets | $215,555,000 | 3,041 |
| Average earning assets | $191,618,000 | 3,099 |
| Average equity | $18,665,000 | 3,371 |
| Average total loans | $182,434,000 | 2,461 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1720% | 218 |
| Cost of funding earning assets | 1.7736% | 4,134 |
| Net interest margin | 5.3984% | 207 |
| Noninterest income to average assets | 1.3569% | 808 |
| Noninterest expense to average assets | 4.5705% | 740 |
| Loan and lease loss provision to assets | 0.5728% | 3,511 |
| Net operating income to assets | 1.0428% | 1,695 |
| Return on assets (ROA) | 1.0428% | 1,737 |
| Pretax return on assets | 1.0428% | 2,445 |
| Return on Equity (ROE) | 12.9435% | 974 |
| Retained earnings to average equity (ytd only) | 6.0133% | 1,337 |
| Net charge-offs to loans | 0.4587% | 3,948 |
| Credit loss provision to net charge-offs | 143.4733% | 3,342 |
| Earnings coverage of net charge-offs (x) | 4.0465% | 3,088 |
| Efficiency ratio | 73.8828% | 3,920 |
| Assets per employee ($millions) | 1.9358% | 7,761 |
| Cash dividends to net income (ytd only)* | 53.5419% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6386% | 3,132 |
| Loan loss allowance to noncurrent loans | 84.9088% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 2.7255% | 2,561 |
| Noncurrent loans to loans | 1.9298% | 3,757 |
| Net loans and leases to total assets | 85.0567% | 345 |
| Net loans and leases to deposits | 97.2313% | 1,188 |
| Net loans and leases to core deposits | 132.3753% | 1,149 |
| Total domestic deposits to total assets | 87.4787% | 2,231 |
| Equity capital to assets | 8.5385% | 5,830 |
| Core capital (leverage) ratio | 8.5148% | 5,258 |
| Tier 1 risk-based capital ratio | 10.0924% | 6,792 |
| Total risk-based capital ratio | 11.3476% | 6,753 |
| Memoranda: | ||
| Average total assets | $220,655,000 | 2,933 |
| Average earning assets | $197,392,400 | 3,007 |
| Average equity | $17,777,200 | 3,534 |
| Average total loans | $192,045,800 | 2,378 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2370% | 218 |
| Cost of funding earning assets | 1.8106% | 4,338 |
| Net interest margin | 5.4264% | 204 |
| Noninterest income to average assets | 1.3777% | 794 |
| Noninterest expense to average assets | 4.5573% | 694 |
| Loan and lease loss provision to assets | 0.4735% | 3,539 |
| Net operating income to assets | 1.2081% | 1,446 |
| Return on assets (ROA) | 1.2081% | 1,502 |
| Pretax return on assets | 1.2081% | 2,242 |
| Return on Equity (ROE) | 15.2174% | 744 |
| Retained earnings to average equity (ytd only) | 6.2446% | 1,831 |
| Net charge-offs to loans | 0.2478% | 4,501 |
| Credit loss provision to net charge-offs | 219.2201% | 2,003 |
| Earnings coverage of net charge-offs (x) | 7.7856% | 2,350 |
| Efficiency ratio | 73.0473% | 4,046 |
| Assets per employee ($millions) | 2.0124% | 7,791 |
| Cash dividends to net income (ytd only)* | 58.9642% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5939% | 3,016 |
| Loan loss allowance to noncurrent loans | 87.4895% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 2.4154% | 2,849 |
| Noncurrent loans to loans | 1.8218% | 3,884 |
| Net loans and leases to total assets | 86.9909% | 275 |
| Net loans and leases to deposits | 105.4156% | 684 |
| Net loans and leases to core deposits | 142.1086% | 833 |
| Total domestic deposits to total assets | 82.5219% | 4,437 |
| Equity capital to assets | 8.2586% | 6,546 |
| Core capital (leverage) ratio | 8.2872% | 5,856 |
| Tier 1 risk-based capital ratio | 9.5818% | 7,317 |
| Total risk-based capital ratio | 10.8362% | 7,274 |
| Memoranda: | ||
| Average total assets | $221,617,250 | 2,939 |
| Average earning assets | $198,530,750 | 3,005 |
| Average equity | $17,593,500 | 3,594 |
| Average total loans | $193,187,250 | 2,388 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2703% | 216 |
| Cost of funding earning assets | 1.8845% | 4,349 |
| Net interest margin | 5.3857% | 215 |
| Noninterest income to average assets | 1.3559% | 829 |
| Noninterest expense to average assets | 4.4041% | 853 |
| Loan and lease loss provision to assets | 0.4745% | 3,150 |
| Net operating income to assets | 1.3009% | 1,228 |
| Return on assets (ROA) | 1.3009% | 1,308 |
| Pretax return on assets | 1.3009% | 2,024 |
| Return on Equity (ROE) | 16.6091% | 631 |
| Retained earnings to average equity (ytd only) | 7.4752% | 1,401 |
| Net charge-offs to loans | 0.1196% | 4,965 |
| Credit loss provision to net charge-offs | 457.3913% | 1,012 |
| Earnings coverage of net charge-offs (x) | 17.1130% | 1,497 |
| Efficiency ratio | 71.2701% | 4,543 |
| Assets per employee ($millions) | 2.1017% | 7,770 |
| Cash dividends to net income (ytd only)* | 54.9931% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5934% | 2,773 |
| Loan loss allowance to noncurrent loans | 127.4035% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 1.7951% | 3,487 |
| Noncurrent loans to loans | 1.2507% | 4,706 |
| Net loans and leases to total assets | 85.9670% | 381 |
| Net loans and leases to deposits | 102.5011% | 1,035 |
| Net loans and leases to core deposits | 138.7886% | 1,063 |
| Total domestic deposits to total assets | 83.8694% | 3,835 |
| Equity capital to assets | 8.0844% | 6,649 |
| Core capital (leverage) ratio | 8.0802% | 6,197 |
| Tier 1 risk-based capital ratio | 9.5729% | 7,331 |
| Total risk-based capital ratio | 10.8275% | 7,282 |
| Memoranda: | ||
| Average total assets | $221,700,330 | 2,953 |
| Average earning assets | $198,562,330 | 3,022 |
| Average equity | $17,364,000 | 3,644 |
| Average total loans | $192,353,330 | 2,431 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2439% | 240 |
| Cost of funding earning assets | 1.9727% | 4,274 |
| Net interest margin | 5.2712% | 244 |
| Noninterest income to average assets | 1.2968% | 847 |
| Noninterest expense to average assets | 4.3877% | 801 |
| Loan and lease loss provision to assets | 0.4377% | 2,736 |
| Net operating income to assets | 1.2027% | 1,648 |
| Return on assets (ROA) | 1.2027% | 1,760 |
| Pretax return on assets | 1.2027% | 2,621 |
| Return on Equity (ROE) | 15.6094% | 883 |
| Retained earnings to average equity (ytd only) | 9.6943% | 1,278 |
| Net charge-offs to loans | 0.0377% | 4,980 |
| Credit loss provision to net charge-offs | 1,344.4444% | 470 |
| Earnings coverage of net charge-offs (x) | 50.3889% | 722 |
| Efficiency ratio | 72.7873% | 4,041 |
| Assets per employee ($millions) | 2.1622% | 7,758 |
| Cash dividends to net income (ytd only)* | 37.8947% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4959% | 3,018 |
| Loan loss allowance to noncurrent loans | 160.6061% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 1.5734% | 3,570 |
| Noncurrent loans to loans | 0.9314% | 5,136 |
| Net loans and leases to total assets | 86.1901% | 421 |
| Net loans and leases to deposits | 98.2394% | 1,630 |
| Net loans and leases to core deposits | 130.1756% | 1,647 |
| Total domestic deposits to total assets | 87.7347% | 1,869 |
| Equity capital to assets | 7.7599% | 7,118 |
| Core capital (leverage) ratio | 7.7592% | 6,807 |
| Tier 1 risk-based capital ratio | 9.0848% | 7,741 |
| Total risk-based capital ratio | 10.3382% | 7,757 |
| Memoranda: | ||
| Average total assets | $221,163,000 | 2,977 |
| Average earning assets | $198,511,500 | 3,034 |
| Average equity | $17,041,000 | 3,724 |
| Average total loans | $191,223,000 | 2,461 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1466% | 158 |
| Cost of funding earning assets | 2.7724% | 2,820 |
| Net interest margin | 5.3742% | 249 |
| Noninterest income to average assets | 1.4971% | 625 |
| Noninterest expense to average assets | 4.4740% | 891 |
| Loan and lease loss provision to assets | 0.3291% | 3,758 |
| Net operating income to assets | 1.0716% | 2,251 |
| Return on assets (ROA) | 1.0716% | 2,168 |
| Pretax return on assets | 1.4976% | 1,693 |
| Return on Equity (ROE) | 13.7599% | 1,156 |
| Retained earnings to average equity (ytd only) | 6.0608% | 1,502 |
| Net charge-offs to loans | 0.4621% | 2,518 |
| Credit loss provision to net charge-offs | 83.1515% | 5,839 |
| Earnings coverage of net charge-offs (x) | 4.6158% | 3,922 |
| Efficiency ratio | 71.0088% | 4,133 |
| Assets per employee ($millions) | 2.1962% | 7,717 |
| Cash dividends to net income (ytd only)* | 55.9534% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4341% | 3,010 |
| Loan loss allowance to noncurrent loans | 165.5385% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 1.3018% | 3,621 |
| Noncurrent loans to loans | 0.8663% | 4,890 |
| Net loans and leases to total assets | 84.1866% | 858 |
| Net loans and leases to deposits | 96.9696% | 2,293 |
| Net loans and leases to core deposits | 125.4669% | 2,206 |
| Total domestic deposits to total assets | 86.8175% | 2,025 |
| Equity capital to assets | 7.6497% | 7,260 |
| Core capital (leverage) ratio | 7.7510% | 6,864 |
| Tier 1 risk-based capital ratio | 9.1549% | 7,661 |
| Total risk-based capital ratio | 10.3884% | 7,646 |
| Memoranda: | ||
| Average total assets | $208,473,400 | 3,026 |
| Average earning assets | $186,335,600 | 3,097 |
| Average equity | $16,235,600 | 3,881 |
| Average total loans | $178,545,400 | 2,518 |