Home > First State Bank > Performance and Condition Ratios
First State 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 | 4.4683% | 3,143 |
| Cost of funding earning assets | 1.5130% | 1,914 |
| Net interest margin | 2.9553% | 3,386 |
| Noninterest income to average assets | 0.7800% | 987 |
| Noninterest expense to average assets | 3.0227% | 1,097 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4008% | 3,868 |
| Return on assets (ROA) | 0.3551% | 3,942 |
| Pretax return on assets | 0.4084% | 3,947 |
| Return on Equity (ROE) | 7.2500% | 3,222 |
| Retained earnings to average equity (ytd only) | 3.6203% | 3,087 |
| Net charge-offs to loans | -0.0222% | 4,198 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 86.5822% | 534 |
| Assets per employee ($millions) | 6.1779% | 2,670 |
| Cash dividends to net income (ytd only)* | 50.0751% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4982% | 1,055 |
| Loan loss allowance to noncurrent loans | 294.7428% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.2669% | 1,889 |
| Noncurrent loans to loans | 0.5083% | 1,512 |
| Net loans and leases to total assets | 48.9500% | 3,665 |
| Net loans and leases to deposits | 55.4741% | 3,735 |
| Net loans and leases to core deposits | 59.5752% | 3,776 |
| Total domestic deposits to total assets | 88.2400% | 1,273 |
| Equity capital to assets | 5.2624% | 4,374 |
| Core capital (leverage) ratio | 8.1367% | 4,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0328% | 1,857 |
| Memoranda: | ||
| Average total assets | $1,687,306,800 | 652 |
| Average earning assets | $1,544,783,200 | 650 |
| Average equity | $82,617,400 | 1,106 |
| Average total loans | $832,553,600 | 837 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3555% | 3,189 |
| Cost of funding earning assets | 1.3523% | 1,999 |
| Net interest margin | 3.0032% | 3,338 |
| Noninterest income to average assets | 0.8000% | 949 |
| Noninterest expense to average assets | 3.0655% | 972 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4103% | 3,948 |
| Return on assets (ROA) | 0.3494% | 4,054 |
| Pretax return on assets | 0.4079% | 4,053 |
| Return on Equity (ROE) | 7.2800% | 3,352 |
| Retained earnings to average equity (ytd only) | 2.2912% | 3,668 |
| Net charge-offs to loans | -0.0681% | 4,433 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 86.3124% | 501 |
| Assets per employee ($millions) | 6.0783% | 2,678 |
| Cash dividends to net income (ytd only)* | 68.5244% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5842% | 918 |
| Loan loss allowance to noncurrent loans | 224.4936% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.3486% | 1,634 |
| Noncurrent loans to loans | 0.7057% | 1,173 |
| Net loans and leases to total assets | 48.0300% | 3,738 |
| Net loans and leases to deposits | 53.6453% | 3,804 |
| Net loans and leases to core deposits | 57.3603% | 3,800 |
| Total domestic deposits to total assets | 89.5300% | 1,060 |
| Equity capital to assets | 3.8063% | 4,419 |
| Core capital (leverage) ratio | 8.2367% | 4,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3128% | 1,785 |
| Memoranda: | ||
| Average total assets | $1,670,505,000 | 662 |
| Average earning assets | $1,528,665,500 | 657 |
| Average equity | $80,189,250 | 1,124 |
| Average total loans | $822,717,500 | 846 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2142% | 3,268 |
| Cost of funding earning assets | 1.1330% | 2,188 |
| Net interest margin | 3.0812% | 3,262 |
| Noninterest income to average assets | 0.7800% | 903 |
| Noninterest expense to average assets | 3.0395% | 978 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4811% | 3,843 |
| Return on assets (ROA) | 0.4520% | 3,916 |
| Pretax return on assets | 0.5248% | 3,922 |
| Return on Equity (ROE) | 8.7900% | 3,035 |
| Retained earnings to average equity (ytd only) | 1.7345% | 3,774 |
| Net charge-offs to loans | 0.0132% | 1,694 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 85.5556% | 1,016 |
| Efficiency ratio | 84.2922% | 580 |
| Assets per employee ($millions) | 5.6176% | 3,047 |
| Cash dividends to net income (ytd only)* | 80.2568% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5319% | 1,084 |
| Loan loss allowance to noncurrent loans | 248.7199% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.3154% | 1,656 |
| Noncurrent loans to loans | 0.6159% | 1,214 |
| Net loans and leases to total assets | 50.4300% | 3,531 |
| Net loans and leases to deposits | 55.3783% | 3,674 |
| Net loans and leases to core deposits | 58.5382% | 3,692 |
| Total domestic deposits to total assets | 91.0600% | 632 |
| Equity capital to assets | 5.0840% | 4,367 |
| Core capital (leverage) ratio | 8.4989% | 4,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0380% | 1,884 |
| Memoranda: | ||
| Average total assets | $1,653,955,000 | 653 |
| Average earning assets | $1,513,703,333 | 653 |
| Average equity | $85,094,333 | 1,065 |
| Average total loans | $817,126,000 | 833 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0287% | 3,397 |
| Cost of funding earning assets | 0.9365% | 2,251 |
| Net interest margin | 3.0921% | 3,370 |
| Noninterest income to average assets | 0.7600% | 945 |
| Noninterest expense to average assets | 2.9928% | 1,074 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5226% | 3,841 |
| Return on assets (ROA) | 0.4641% | 3,928 |
| Pretax return on assets | 0.5336% | 3,944 |
| Return on Equity (ROE) | 8.9700% | 3,057 |
| Retained earnings to average equity (ytd only) | 8.9677% | 1,959 |
| Net charge-offs to loans | 0.0119% | 1,503 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 104.1250% | 770 |
| Efficiency ratio | 83.0992% | 640 |
| Assets per employee ($millions) | 5.7535% | 2,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5935% | 1,023 |
| Loan loss allowance to noncurrent loans | 213.9125% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.3626% | 1,420 |
| Noncurrent loans to loans | 0.7449% | 1,027 |
| Net loans and leases to total assets | 47.9000% | 3,639 |
| Net loans and leases to deposits | 51.0418% | 3,845 |
| Net loans and leases to core deposits | 52.4576% | 3,892 |
| Total domestic deposits to total assets | 93.8500% | 185 |
| Equity capital to assets | 5.4283% | 4,356 |
| Core capital (leverage) ratio | 8.5931% | 4,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5451% | 1,783 |
| Memoranda: | ||
| Average total assets | $1,663,567,000 | 663 |
| Average earning assets | $1,523,488,000 | 662 |
| Average equity | $86,087,000 | 1,074 |
| Average total loans | $807,110,500 | 851 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6714% | 2,608 |
| Cost of funding earning assets | 0.2948% | 2,922 |
| Net interest margin | 3.3766% | 2,329 |
| Noninterest income to average assets | 0.8600% | 871 |
| Noninterest expense to average assets | 2.7945% | 1,327 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.8642% | 3,101 |
| Return on assets (ROA) | 0.8642% | 3,031 |
| Pretax return on assets | 1.0901% | 2,806 |
| Return on Equity (ROE) | 15.2800% | 1,186 |
| Retained earnings to average equity (ytd only) | 15.2753% | 270 |
| Net charge-offs to loans | 0.2918% | 261 |
| Credit loss provision to net charge-offs | 64.4444% | 1,752 |
| Earnings coverage of net charge-offs (x) | 8.6329% | 2,258 |
| Efficiency ratio | 70.1791% | 1,659 |
| Assets per employee ($millions) | 5.8396% | 2,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2727% | 2,026 |
| Loan loss allowance to noncurrent loans | 215.3363% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.2858% | 1,712 |
| Noncurrent loans to loans | 0.5910% | 1,265 |
| Net loans and leases to total assets | 47.7400% | 3,687 |
| Net loans and leases to deposits | 52.4204% | 3,771 |
| Net loans and leases to core deposits | 53.4142% | 3,839 |
| Total domestic deposits to total assets | 91.0700% | 929 |
| Equity capital to assets | 4.7273% | 4,429 |
| Core capital (leverage) ratio | 8.3460% | 4,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4172% | 1,812 |
| Memoranda: | ||
| Average total assets | $1,648,859,800 | 656 |
| Average earning assets | $1,519,190,400 | 649 |
| Average equity | $93,281,400 | 988 |
| Average total loans | $771,019,200 | 836 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5324% | 2,516 |
| Cost of funding earning assets | 0.1710% | 3,615 |
| Net interest margin | 3.3615% | 2,097 |
| Noninterest income to average assets | 0.8700% | 884 |
| Noninterest expense to average assets | 2.8821% | 1,092 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8486% | 3,073 |
| Return on assets (ROA) | 0.8486% | 3,047 |
| Pretax return on assets | 1.0937% | 2,746 |
| Return on Equity (ROE) | 14.4000% | 1,325 |
| Retained earnings to average equity (ytd only) | 14.3992% | 419 |
| Net charge-offs to loans | 0.2975% | 221 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 7.9306% | 2,059 |
| Efficiency ratio | 72.3255% | 1,474 |
| Assets per employee ($millions) | 5.7740% | 2,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1623% | 2,728 |
| Loan loss allowance to noncurrent loans | 217.4861% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.2620% | 1,909 |
| Noncurrent loans to loans | 0.5344% | 1,469 |
| Net loans and leases to total assets | 48.4600% | 3,588 |
| Net loans and leases to deposits | 51.5694% | 3,761 |
| Net loans and leases to core deposits | 52.4020% | 3,835 |
| Total domestic deposits to total assets | 93.9800% | 363 |
| Equity capital to assets | 3.8826% | 4,487 |
| Core capital (leverage) ratio | 8.2079% | 4,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8610% | 2,107 |
| Memoranda: | ||
| Average total assets | $1,643,542,000 | 660 |
| Average earning assets | $1,517,481,750 | 655 |
| Average equity | $96,863,750 | 974 |
| Average total loans | $761,877,250 | 843 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3703% | 2,516 |
| Cost of funding earning assets | 0.1078% | 4,106 |
| Net interest margin | 3.2625% | 2,025 |
| Noninterest income to average assets | 0.9115% | 822 |
| Noninterest expense to average assets | 2.8584% | 1,058 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7946% | 2,976 |
| Return on assets (ROA) | 0.7946% | 2,948 |
| Pretax return on assets | 1.0746% | 2,499 |
| Return on Equity (ROE) | 12.1034% | 1,642 |
| Retained earnings to average equity (ytd only) | 12.1034% | 592 |
| Net charge-offs to loans | 0.0008% | 2,122 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 2,942.3333% | 26 |
| Efficiency ratio | 72.5106% | 1,688 |
| Assets per employee ($millions) | 5.7926% | 2,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4172% | 1,682 |
| Loan loss allowance to noncurrent loans | 222.3896% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.2975% | 1,815 |
| Noncurrent loans to loans | 0.6372% | 1,337 |
| Net loans and leases to total assets | 46.0204% | 3,708 |
| Net loans and leases to deposits | 48.9687% | 3,866 |
| Net loans and leases to core deposits | 49.8256% | 3,945 |
| Total domestic deposits to total assets | 93.9792% | 287 |
| Equity capital to assets | 5.1362% | 4,450 |
| Core capital (leverage) ratio | 8.0347% | 4,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0819% | 2,027 |
| Memoranda: | ||
| Average total assets | $1,642,860,667 | 656 |
| Average earning assets | $1,521,547,000 | 650 |
| Average equity | $107,854,333 | 916 |
| Average total loans | $746,877,667 | 847 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2304% | 2,600 |
| Cost of funding earning assets | 0.0950% | 4,197 |
| Net interest margin | 3.1353% | 2,069 |
| Noninterest income to average assets | 0.8525% | 922 |
| Noninterest expense to average assets | 2.7737% | 1,208 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6239% | 3,319 |
| Return on assets (ROA) | 0.6239% | 3,298 |
| Pretax return on assets | 0.9899% | 2,465 |
| Return on Equity (ROE) | 8.5462% | 2,496 |
| Retained earnings to average equity (ytd only) | 8.5462% | 1,409 |
| Net charge-offs to loans | 0.0027% | 1,695 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 805.4000% | 115 |
| Efficiency ratio | 73.5223% | 1,792 |
| Assets per employee ($millions) | 5.7932% | 3,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4893% | 1,582 |
| Loan loss allowance to noncurrent loans | 243.5232% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.2764% | 2,021 |
| Noncurrent loans to loans | 0.6116% | 1,530 |
| Net loans and leases to total assets | 44.5168% | 3,703 |
| Net loans and leases to deposits | 47.9682% | 3,867 |
| Net loans and leases to core deposits | 48.9779% | 3,929 |
| Total domestic deposits to total assets | 92.8049% | 322 |
| Equity capital to assets | 6.3551% | 4,483 |
| Core capital (leverage) ratio | 8.2713% | 4,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5361% | 1,975 |
| Memoranda: | ||
| Average total assets | $1,627,256,000 | 662 |
| Average earning assets | $1,510,919,500 | 659 |
| Average equity | $118,789,500 | 872 |
| Average total loans | $729,572,500 | 856 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6277% | 2,313 |
| Cost of funding earning assets | 0.1191% | 4,232 |
| Net interest margin | 3.5086% | 1,708 |
| Noninterest income to average assets | 1.0799% | 883 |
| Noninterest expense to average assets | 3.1850% | 746 |
| Loan and lease loss provision to assets | 0.1219% | 1,011 |
| Net operating income to assets | 1.0153% | 2,613 |
| Return on assets (ROA) | 1.0200% | 2,672 |
| Pretax return on assets | 1.0200% | 3,200 |
| Return on Equity (ROE) | 11.3676% | 2,033 |
| Retained earnings to average equity (ytd only) | 7.8947% | 1,584 |
| Net charge-offs to loans | 0.0398% | 1,463 |
| Credit loss provision to net charge-offs | 616.4384% | 713 |
| Earnings coverage of net charge-offs (x) | 57.4897% | 1,207 |
| Efficiency ratio | 73.5177% | 1,364 |
| Assets per employee ($millions) | 5.6071% | 3,157 |
| Cash dividends to net income (ytd only)* | 30.5506% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5480% | 1,396 |
| Loan loss allowance to noncurrent loans | 232.7311% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.3042% | 2,015 |
| Noncurrent loans to loans | 0.6651% | 1,506 |
| Net loans and leases to total assets | 43.7829% | 3,852 |
| Net loans and leases to deposits | 48.1698% | 3,984 |
| Net loans and leases to core deposits | 49.2587% | 4,044 |
| Total domestic deposits to total assets | 90.8928% | 529 |
| Equity capital to assets | 8.2660% | 4,197 |
| Core capital (leverage) ratio | 8.3212% | 4,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7265% | 1,961 |
| Memoranda: | ||
| Average total assets | $1,476,114,000 | 695 |
| Average earning assets | $1,364,118,000 | 690 |
| Average equity | $132,455,600 | 785 |
| Average total loans | $732,993,000 | 846 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7367% | 2,180 |
| Cost of funding earning assets | 0.1250% | 4,308 |
| Net interest margin | 3.6117% | 1,571 |
| Noninterest income to average assets | 1.0689% | 967 |
| Noninterest expense to average assets | 3.2660% | 631 |
| Loan and lease loss provision to assets | 0.1248% | 935 |
| Net operating income to assets | 1.0092% | 2,870 |
| Return on assets (ROA) | 1.0098% | 2,932 |
| Pretax return on assets | 1.0098% | 3,426 |
| Return on Equity (ROE) | 11.0119% | 2,360 |
| Retained earnings to average equity (ytd only) | 6.9812% | 2,429 |
| Net charge-offs to loans | -0.0007% | 3,104 |
| Credit loss provision to net charge-offs | -33,750.0000% | 4,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0581% | 1,210 |
| Assets per employee ($millions) | 5.1709% | 3,534 |
| Cash dividends to net income (ytd only)* | 36.6032% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5036% | 1,616 |
| Loan loss allowance to noncurrent loans | 187.4399% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.3923% | 1,882 |
| Noncurrent loans to loans | 0.8022% | 1,416 |
| Net loans and leases to total assets | 47.0721% | 3,709 |
| Net loans and leases to deposits | 52.1382% | 3,875 |
| Net loans and leases to core deposits | 53.5457% | 3,946 |
| Total domestic deposits to total assets | 90.2832% | 639 |
| Equity capital to assets | 8.7827% | 4,016 |
| Core capital (leverage) ratio | 8.4002% | 4,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6183% | 2,120 |
| Memoranda: | ||
| Average total assets | $1,442,833,500 | 713 |
| Average earning assets | $1,330,725,500 | 712 |
| Average equity | $132,314,500 | 800 |
| Average total loans | $737,329,250 | 861 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8678% | 1,907 |
| Cost of funding earning assets | 0.1331% | 4,328 |
| Net interest margin | 3.7347% | 1,257 |
| Noninterest income to average assets | 1.0683% | 964 |
| Noninterest expense to average assets | 3.3090% | 609 |
| Loan and lease loss provision to assets | 0.1270% | 987 |
| Net operating income to assets | 1.0698% | 2,648 |
| Return on assets (ROA) | 1.0708% | 2,725 |
| Pretax return on assets | 1.0708% | 3,298 |
| Return on Equity (ROE) | 11.5030% | 2,234 |
| Retained earnings to average equity (ytd only) | 7.5610% | 2,228 |
| Net charge-offs to loans | -0.0019% | 3,191 |
| Credit loss provision to net charge-offs | -12,857.1429% | 4,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2686% | 1,307 |
| Assets per employee ($millions) | 5.0210% | 3,645 |
| Cash dividends to net income (ytd only)* | 34.2691% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4104% | 1,930 |
| Loan loss allowance to noncurrent loans | 187.7599% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.3899% | 2,047 |
| Noncurrent loans to loans | 0.7511% | 1,593 |
| Net loans and leases to total assets | 49.9538% | 3,560 |
| Net loans and leases to deposits | 55.5059% | 3,754 |
| Net loans and leases to core deposits | 57.0779% | 3,828 |
| Total domestic deposits to total assets | 89.9972% | 778 |
| Equity capital to assets | 9.0972% | 3,714 |
| Core capital (leverage) ratio | 8.3877% | 4,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8503% | 2,028 |
| Memoranda: | ||
| Average total assets | $1,417,029,333 | 722 |
| Average earning assets | $1,304,305,000 | 720 |
| Average equity | $131,913,000 | 800 |
| Average total loans | $740,927,333 | 859 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0853% | 1,428 |
| Cost of funding earning assets | 0.1408% | 4,376 |
| Net interest margin | 3.9445% | 921 |
| Noninterest income to average assets | 1.1579% | 905 |
| Noninterest expense to average assets | 3.3463% | 564 |
| Loan and lease loss provision to assets | 0.1293% | 1,060 |
| Net operating income to assets | 1.3033% | 1,814 |
| Return on assets (ROA) | 1.3033% | 1,897 |
| Pretax return on assets | 1.3033% | 2,559 |
| Return on Equity (ROE) | 13.8343% | 1,468 |
| Retained earnings to average equity (ytd only) | 9.5654% | 1,776 |
| Net charge-offs to loans | -0.0184% | 3,954 |
| Credit loss provision to net charge-offs | -1,323.5294% | 3,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8605% | 1,723 |
| Assets per employee ($millions) | 4.9983% | 3,659 |
| Cash dividends to net income (ytd only)* | 30.8574% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 2,372 |
| Loan loss allowance to noncurrent loans | 213.5968% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.3364% | 2,452 |
| Noncurrent loans to loans | 0.6154% | 2,031 |
| Net loans and leases to total assets | 52.4340% | 3,400 |
| Net loans and leases to deposits | 58.1449% | 3,638 |
| Net loans and leases to core deposits | 59.7624% | 3,717 |
| Total domestic deposits to total assets | 90.1781% | 733 |
| Equity capital to assets | 9.0019% | 3,684 |
| Core capital (leverage) ratio | 8.7981% | 3,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9250% | 1,919 |
| Memoranda: | ||
| Average total assets | $1,392,482,000 | 728 |
| Average earning assets | $1,278,245,500 | 724 |
| Average equity | $131,181,500 | 793 |
| Average total loans | $739,960,500 | 859 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8774% | 3,093 |
| Cost of funding earning assets | 0.2345% | 4,444 |
| Net interest margin | 3.6429% | 2,001 |
| Noninterest income to average assets | 1.5748% | 494 |
| Noninterest expense to average assets | 3.6414% | 569 |
| Loan and lease loss provision to assets | 0.2183% | 1,794 |
| Net operating income to assets | 1.0282% | 2,183 |
| Return on assets (ROA) | 1.1869% | 1,704 |
| Pretax return on assets | 1.1869% | 2,377 |
| Return on Equity (ROE) | 12.1176% | 1,292 |
| Retained earnings to average equity (ytd only) | 6.9834% | 1,404 |
| Net charge-offs to loans | 0.0286% | 2,464 |
| Credit loss provision to net charge-offs | 1,381.3131% | 606 |
| Earnings coverage of net charge-offs (x) | 78.8687% | 904 |
| Efficiency ratio | 74.3194% | 1,405 |
| Assets per employee ($millions) | 4.7209% | 3,698 |
| Cash dividends to net income (ytd only)* | 42.3700% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3383% | 2,240 |
| Loan loss allowance to noncurrent loans | 200.0418% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.3556% | 2,565 |
| Noncurrent loans to loans | 0.6690% | 2,008 |
| Net loans and leases to total assets | 52.4361% | 3,633 |
| Net loans and leases to deposits | 58.7831% | 3,845 |
| Net loans and leases to core deposits | 60.6195% | 3,910 |
| Total domestic deposits to total assets | 89.2028% | 897 |
| Equity capital to assets | 9.8688% | 3,247 |
| Core capital (leverage) ratio | 8.9974% | 3,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5708% | 1,665 |
| Memoranda: | ||
| Average total assets | $1,252,738,800 | 726 |
| Average earning assets | $1,139,337,200 | 730 |
| Average equity | $122,705,400 | 805 |
| Average total loans | $693,447,800 | 874 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9715% | 3,055 |
| Cost of funding earning assets | 0.2618% | 4,465 |
| Net interest margin | 3.7098% | 1,912 |
| Noninterest income to average assets | 1.5377% | 495 |
| Noninterest expense to average assets | 3.6038% | 611 |
| Loan and lease loss provision to assets | 0.2088% | 1,925 |
| Net operating income to assets | 1.0939% | 2,001 |
| Return on assets (ROA) | 1.3040% | 1,441 |
| Pretax return on assets | 1.3040% | 2,032 |
| Return on Equity (ROE) | 13.3400% | 1,021 |
| Retained earnings to average equity (ytd only) | 8.3479% | 1,195 |
| Net charge-offs to loans | 0.0380% | 2,086 |
| Credit loss provision to net charge-offs | 982.1429% | 838 |
| Earnings coverage of net charge-offs (x) | 61.2908% | 1,086 |
| Efficiency ratio | 73.2712% | 1,482 |
| Assets per employee ($millions) | 4.6160% | 3,707 |
| Cash dividends to net income (ytd only)* | 37.4220% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 2,653 |
| Loan loss allowance to noncurrent loans | 169.3467% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.4077% | 2,539 |
| Noncurrent loans to loans | 0.7093% | 2,020 |
| Net loans and leases to total assets | 54.9730% | 3,713 |
| Net loans and leases to deposits | 61.7063% | 3,947 |
| Net loans and leases to core deposits | 63.7547% | 4,018 |
| Total domestic deposits to total assets | 89.0882% | 734 |
| Equity capital to assets | 9.9087% | 3,313 |
| Core capital (leverage) ratio | 9.0714% | 3,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6881% | 1,596 |
| Memoranda: | ||
| Average total assets | $1,229,561,000 | 726 |
| Average earning assets | $1,116,513,750 | 731 |
| Average equity | $120,186,750 | 815 |
| Average total loans | $688,041,750 | 872 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1278% | 2,977 |
| Cost of funding earning assets | 0.3116% | 4,435 |
| Net interest margin | 3.8162% | 1,789 |
| Noninterest income to average assets | 1.5124% | 458 |
| Noninterest expense to average assets | 3.5882% | 666 |
| Loan and lease loss provision to assets | 0.2038% | 2,015 |
| Net operating income to assets | 1.1758% | 1,706 |
| Return on assets (ROA) | 1.4900% | 1,020 |
| Pretax return on assets | 1.4900% | 1,478 |
| Return on Equity (ROE) | 15.3194% | 666 |
| Retained earnings to average equity (ytd only) | 11.0440% | 597 |
| Net charge-offs to loans | 0.0261% | 2,197 |
| Credit loss provision to net charge-offs | 1,392.0455% | 630 |
| Earnings coverage of net charge-offs (x) | 94.2500% | 721 |
| Efficiency ratio | 72.0494% | 1,677 |
| Assets per employee ($millions) | 4.5909% | 3,663 |
| Cash dividends to net income (ytd only)* | 27.9080% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1034% | 3,033 |
| Loan loss allowance to noncurrent loans | 155.4414% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.4222% | 2,616 |
| Noncurrent loans to loans | 0.7098% | 2,102 |
| Net loans and leases to total assets | 56.9663% | 3,610 |
| Net loans and leases to deposits | 63.8934% | 3,891 |
| Net loans and leases to core deposits | 66.0301% | 3,971 |
| Total domestic deposits to total assets | 89.1584% | 683 |
| Equity capital to assets | 9.9026% | 3,282 |
| Core capital (leverage) ratio | 9.1070% | 3,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5305% | 1,623 |
| Memoranda: | ||
| Average total assets | $1,202,433,333 | 730 |
| Average earning assets | $1,088,719,667 | 736 |
| Average equity | $116,950,000 | 828 |
| Average total loans | $674,246,667 | 876 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3750% | 2,701 |
| Cost of funding earning assets | 0.4400% | 4,197 |
| Net interest margin | 3.9350% | 1,563 |
| Noninterest income to average assets | 1.0905% | 717 |
| Noninterest expense to average assets | 3.6764% | 719 |
| Loan and lease loss provision to assets | 0.1034% | 2,388 |
| Net operating income to assets | 0.8634% | 2,643 |
| Return on assets (ROA) | 0.9148% | 2,577 |
| Pretax return on assets | 0.9148% | 3,099 |
| Return on Equity (ROE) | 9.5009% | 1,912 |
| Retained earnings to average equity (ytd only) | 5.9224% | 1,906 |
| Net charge-offs to loans | 0.0368% | 1,684 |
| Credit loss provision to net charge-offs | 508.4746% | 864 |
| Earnings coverage of net charge-offs (x) | 47.5593% | 930 |
| Efficiency ratio | 78.9774% | 1,238 |
| Assets per employee ($millions) | 4.2687% | 3,567 |
| Cash dividends to net income (ytd only)* | 37.6648% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1269% | 3,067 |
| Loan loss allowance to noncurrent loans | 133.1747% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.4653% | 2,610 |
| Noncurrent loans to loans | 0.8462% | 1,921 |
| Net loans and leases to total assets | 54.3660% | 3,955 |
| Net loans and leases to deposits | 62.8602% | 4,052 |
| Net loans and leases to core deposits | 65.1596% | 4,119 |
| Total domestic deposits to total assets | 86.4871% | 1,787 |
| Equity capital to assets | 9.6268% | 4,106 |
| Core capital (leverage) ratio | 9.5288% | 3,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5775% | 2,049 |
| Memoranda: | ||
| Average total assets | $1,160,928,000 | 722 |
| Average earning assets | $1,048,144,000 | 734 |
| Average equity | $111,779,000 | 857 |
| Average total loans | $641,150,000 | 888 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5549% | 2,763 |
| Cost of funding earning assets | 0.6062% | 3,612 |
| Net interest margin | 3.9487% | 2,006 |
| Noninterest income to average assets | 1.0337% | 901 |
| Noninterest expense to average assets | 3.4397% | 1,047 |
| Loan and lease loss provision to assets | 0.0266% | 3,475 |
| Net operating income to assets | 1.1340% | 2,318 |
| Return on assets (ROA) | 1.1349% | 2,411 |
| Pretax return on assets | 1.1349% | 3,057 |
| Return on Equity (ROE) | 12.2755% | 1,406 |
| Retained earnings to average equity (ytd only) | 4.1123% | 2,913 |
| Net charge-offs to loans | 0.0135% | 3,212 |
| Credit loss provision to net charge-offs | 352.9412% | 789 |
| Earnings coverage of net charge-offs (x) | 153.7765% | 487 |
| Efficiency ratio | 74.5609% | 1,540 |
| Assets per employee ($millions) | 4.3157% | 3,485 |
| Cash dividends to net income (ytd only)* | 66.4998% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1044% | 2,923 |
| Loan loss allowance to noncurrent loans | 128.4097% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.5092% | 2,376 |
| Noncurrent loans to loans | 0.8600% | 1,791 |
| Net loans and leases to total assets | 54.8620% | 4,014 |
| Net loans and leases to deposits | 61.3338% | 4,224 |
| Net loans and leases to core deposits | 63.4755% | 4,304 |
| Total domestic deposits to total assets | 89.4481% | 511 |
| Equity capital to assets | 9.6301% | 4,241 |
| Core capital (leverage) ratio | 9.4739% | 4,092 |
| Tier 1 risk-based capital ratio | 13.8012% | 3,364 |
| Total risk-based capital ratio | 14.7061% | 3,435 |
| Memoranda: | ||
| Average total assets | $1,126,217,200 | 706 |
| Average earning assets | $1,017,237,200 | 712 |
| Average equity | $104,125,800 | 871 |
| Average total loans | $631,276,600 | 875 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5735% | 2,817 |
| Cost of funding earning assets | 0.6286% | 3,541 |
| Net interest margin | 3.9450% | 2,119 |
| Noninterest income to average assets | 1.0094% | 921 |
| Noninterest expense to average assets | 3.3958% | 1,103 |
| Loan and lease loss provision to assets | 0.0268% | 3,363 |
| Net operating income to assets | 1.1520% | 2,355 |
| Return on assets (ROA) | 1.1533% | 2,443 |
| Pretax return on assets | 1.1533% | 3,124 |
| Return on Equity (ROE) | 12.6086% | 1,407 |
| Retained earnings to average equity (ytd only) | 3.5049% | 3,655 |
| Net charge-offs to loans | 0.0171% | 2,794 |
| Credit loss provision to net charge-offs | 277.7778% | 1,001 |
| Earnings coverage of net charge-offs (x) | 122.3303% | 637 |
| Efficiency ratio | 74.0209% | 1,566 |
| Assets per employee ($millions) | 4.2262% | 3,580 |
| Cash dividends to net income (ytd only)* | 72.2022% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0658% | 3,198 |
| Loan loss allowance to noncurrent loans | 483.8082% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.1266% | 4,096 |
| Noncurrent loans to loans | 0.2203% | 3,754 |
| Net loans and leases to total assets | 56.8469% | 3,984 |
| Net loans and leases to deposits | 63.6401% | 4,198 |
| Net loans and leases to core deposits | 65.8835% | 4,284 |
| Total domestic deposits to total assets | 89.3256% | 512 |
| Equity capital to assets | 9.6286% | 4,356 |
| Core capital (leverage) ratio | 9.4585% | 4,208 |
| Tier 1 risk-based capital ratio | 13.4686% | 3,588 |
| Total risk-based capital ratio | 14.3561% | 3,701 |
| Memoranda: | ||
| Average total assets | $1,120,780,250 | 709 |
| Average earning assets | $1,012,872,750 | 720 |
| Average equity | $102,519,750 | 883 |
| Average total loans | $629,888,500 | 879 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5515% | 2,839 |
| Cost of funding earning assets | 0.6241% | 3,533 |
| Net interest margin | 3.9274% | 2,164 |
| Noninterest income to average assets | 0.9261% | 1,021 |
| Noninterest expense to average assets | 3.3395% | 1,210 |
| Loan and lease loss provision to assets | 0.0269% | 3,284 |
| Net operating income to assets | 1.1117% | 2,481 |
| Return on assets (ROA) | 1.1137% | 2,545 |
| Pretax return on assets | 1.1137% | 3,192 |
| Return on Equity (ROE) | 12.3966% | 1,446 |
| Retained earnings to average equity (ytd only) | 3.4150% | 3,535 |
| Net charge-offs to loans | 0.0257% | 2,341 |
| Credit loss provision to net charge-offs | 187.5000% | 1,273 |
| Earnings coverage of net charge-offs (x) | 79.3750% | 821 |
| Efficiency ratio | 74.3584% | 1,599 |
| Assets per employee ($millions) | 4.3566% | 3,354 |
| Cash dividends to net income (ytd only)* | 72.4521% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0712% | 3,230 |
| Loan loss allowance to noncurrent loans | 483.7079% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.1257% | 4,123 |
| Noncurrent loans to loans | 0.2215% | 3,746 |
| Net loans and leases to total assets | 56.1604% | 4,067 |
| Net loans and leases to deposits | 62.6514% | 4,298 |
| Net loans and leases to core deposits | 64.6937% | 4,377 |
| Total domestic deposits to total assets | 89.6395% | 433 |
| Equity capital to assets | 9.3903% | 4,514 |
| Core capital (leverage) ratio | 9.4732% | 4,172 |
| Tier 1 risk-based capital ratio | 13.7613% | 3,446 |
| Total risk-based capital ratio | 14.6672% | 3,525 |
| Memoranda: | ||
| Average total assets | $1,115,421,000 | 707 |
| Average earning assets | $1,008,812,000 | 719 |
| Average equity | $100,205,000 | 896 |
| Average total loans | $622,108,000 | 890 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5083% | 2,839 |
| Cost of funding earning assets | 0.6024% | 3,559 |
| Net interest margin | 3.9059% | 2,168 |
| Noninterest income to average assets | 0.8920% | 1,058 |
| Noninterest expense to average assets | 3.3362% | 1,214 |
| Loan and lease loss provision to assets | 0.0271% | 3,063 |
| Net operating income to assets | 1.0600% | 2,622 |
| Return on assets (ROA) | 1.0633% | 2,658 |
| Pretax return on assets | 1.0633% | 3,260 |
| Return on Equity (ROE) | 12.1163% | 1,492 |
| Retained earnings to average equity (ytd only) | 3.8795% | 3,364 |
| Net charge-offs to loans | 0.0294% | 1,872 |
| Credit loss provision to net charge-offs | 166.6667% | 1,164 |
| Earnings coverage of net charge-offs (x) | 66.8444% | 865 |
| Efficiency ratio | 75.2022% | 1,590 |
| Assets per employee ($millions) | 4.3876% | 3,349 |
| Cash dividends to net income (ytd only)* | 67.9810% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1231% | 2,996 |
| Loan loss allowance to noncurrent loans | 473.9100% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.1281% | 4,155 |
| Noncurrent loans to loans | 0.2370% | 3,725 |
| Net loans and leases to total assets | 53.4639% | 4,239 |
| Net loans and leases to deposits | 59.4889% | 4,442 |
| Net loans and leases to core deposits | 61.2159% | 4,522 |
| Total domestic deposits to total assets | 89.8720% | 500 |
| Equity capital to assets | 9.0184% | 4,669 |
| Core capital (leverage) ratio | 9.4960% | 4,133 |
| Tier 1 risk-based capital ratio | 14.0812% | 3,304 |
| Total risk-based capital ratio | 15.0098% | 3,371 |
| Memoranda: | ||
| Average total assets | $1,106,775,000 | 715 |
| Average earning assets | $1,000,646,500 | 727 |
| Average equity | $97,125,000 | 909 |
| Average total loans | $611,650,000 | 905 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3181% | 3,051 |
| Cost of funding earning assets | 0.4333% | 3,779 |
| Net interest margin | 3.8848% | 2,380 |
| Noninterest income to average assets | 0.9764% | 991 |
| Noninterest expense to average assets | 3.2309% | 1,477 |
| Loan and lease loss provision to assets | 0.0365% | 3,465 |
| Net operating income to assets | 1.2542% | 1,965 |
| Return on assets (ROA) | 1.2860% | 1,851 |
| Pretax return on assets | 1.2860% | 2,555 |
| Return on Equity (ROE) | 15.6196% | 701 |
| Retained earnings to average equity (ytd only) | 8.5187% | 1,040 |
| Net charge-offs to loans | 0.0058% | 3,497 |
| Credit loss provision to net charge-offs | 1,176.4706% | 341 |
| Earnings coverage of net charge-offs (x) | 415.5882% | 250 |
| Efficiency ratio | 71.1192% | 2,028 |
| Assets per employee ($millions) | 4.2090% | 3,604 |
| Cash dividends to net income (ytd only)* | 45.4610% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1112% | 3,029 |
| Loan loss allowance to noncurrent loans | 188.0828% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.3338% | 3,216 |
| Noncurrent loans to loans | 0.5908% | 2,517 |
| Net loans and leases to total assets | 55.8751% | 4,143 |
| Net loans and leases to deposits | 63.2707% | 4,297 |
| Net loans and leases to core deposits | 65.2010% | 4,394 |
| Total domestic deposits to total assets | 88.3111% | 1,154 |
| Equity capital to assets | 8.5233% | 4,916 |
| Core capital (leverage) ratio | 9.4833% | 4,130 |
| Tier 1 risk-based capital ratio | 14.2610% | 3,177 |
| Total risk-based capital ratio | 15.2062% | 3,236 |
| Memoranda: | ||
| Average total assets | $1,094,738,800 | 702 |
| Average earning assets | $999,039,400 | 706 |
| Average equity | $90,130,600 | 932 |
| Average total loans | $587,281,000 | 918 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2500% | 3,149 |
| Cost of funding earning assets | 0.4224% | 3,709 |
| Net interest margin | 3.8275% | 2,540 |
| Noninterest income to average assets | 0.9729% | 1,005 |
| Noninterest expense to average assets | 3.1800% | 1,573 |
| Loan and lease loss provision to assets | 0.0122% | 3,757 |
| Net operating income to assets | 1.2827% | 1,919 |
| Return on assets (ROA) | 1.3202% | 1,785 |
| Pretax return on assets | 1.3202% | 2,544 |
| Return on Equity (ROE) | 16.1770% | 670 |
| Retained earnings to average equity (ytd only) | 9.6240% | 1,020 |
| Net charge-offs to loans | 0.0069% | 3,181 |
| Credit loss provision to net charge-offs | 333.3333% | 939 |
| Earnings coverage of net charge-offs (x) | 355.0910% | 266 |
| Efficiency ratio | 70.6867% | 2,091 |
| Assets per employee ($millions) | 4.3904% | 3,290 |
| Cash dividends to net income (ytd only)* | 40.5082% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0646% | 3,383 |
| Loan loss allowance to noncurrent loans | 403.0902% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.1480% | 4,205 |
| Noncurrent loans to loans | 0.2641% | 3,739 |
| Net loans and leases to total assets | 55.4431% | 4,261 |
| Net loans and leases to deposits | 61.5990% | 4,463 |
| Net loans and leases to core deposits | 63.5155% | 4,548 |
| Total domestic deposits to total assets | 90.0065% | 508 |
| Equity capital to assets | 8.0129% | 5,174 |
| Core capital (leverage) ratio | 9.1590% | 4,558 |
| Tier 1 risk-based capital ratio | 13.8360% | 3,451 |
| Total risk-based capital ratio | 14.7240% | 3,555 |
| Memoranda: | ||
| Average total assets | $1,096,940,750 | 699 |
| Average earning assets | $1,003,653,750 | 700 |
| Average equity | $89,524,000 | 935 |
| Average total loans | $580,705,500 | 926 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1691% | 3,209 |
| Cost of funding earning assets | 0.3997% | 3,719 |
| Net interest margin | 3.7694% | 2,674 |
| Noninterest income to average assets | 0.9301% | 1,105 |
| Noninterest expense to average assets | 3.1250% | 1,727 |
| Loan and lease loss provision to assets | 0.0182% | 3,532 |
| Net operating income to assets | 1.2428% | 2,016 |
| Return on assets (ROA) | 1.2934% | 1,788 |
| Pretax return on assets | 1.2934% | 2,539 |
| Return on Equity (ROE) | 15.7531% | 720 |
| Retained earnings to average equity (ytd only) | 10.4296% | 812 |
| Net charge-offs to loans | 0.0095% | 2,800 |
| Credit loss provision to net charge-offs | 370.3704% | 868 |
| Earnings coverage of net charge-offs (x) | 256.4444% | 349 |
| Efficiency ratio | 70.7844% | 2,198 |
| Assets per employee ($millions) | 4.5035% | 3,125 |
| Cash dividends to net income (ytd only)* | 33.7933% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1087% | 3,210 |
| Loan loss allowance to noncurrent loans | 510.9632% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.1167% | 4,411 |
| Noncurrent loans to loans | 0.2170% | 3,942 |
| Net loans and leases to total assets | 53.1825% | 4,399 |
| Net loans and leases to deposits | 62.0835% | 4,415 |
| Net loans and leases to core deposits | 64.0364% | 4,485 |
| Total domestic deposits to total assets | 85.6628% | 2,425 |
| Equity capital to assets | 8.0935% | 5,194 |
| Core capital (leverage) ratio | 9.1773% | 4,491 |
| Tier 1 risk-based capital ratio | 13.9841% | 3,366 |
| Total risk-based capital ratio | 14.8981% | 3,450 |
| Memoranda: | ||
| Average total assets | $1,098,185,670 | 695 |
| Average earning assets | $1,006,832,670 | 697 |
| Average equity | $90,166,330 | 928 |
| Average total loans | $570,064,330 | 940 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0781% | 3,311 |
| Cost of funding earning assets | 0.3708% | 3,824 |
| Net interest margin | 3.7073% | 2,768 |
| Noninterest income to average assets | 0.8814% | 1,198 |
| Noninterest expense to average assets | 3.1375% | 1,721 |
| Loan and lease loss provision to assets | 0.0364% | 3,015 |
| Net operating income to assets | 1.1174% | 2,346 |
| Return on assets (ROA) | 1.1174% | 2,366 |
| Pretax return on assets | 1.1174% | 3,108 |
| Return on Equity (ROE) | 13.5131% | 1,133 |
| Retained earnings to average equity (ytd only) | 6.9171% | 2,317 |
| Net charge-offs to loans | 0.0228% | 2,048 |
| Credit loss provision to net charge-offs | 312.5000% | 791 |
| Earnings coverage of net charge-offs (x) | 99.1563% | 614 |
| Efficiency ratio | 72.5894% | 2,105 |
| Assets per employee ($millions) | 4.6848% | 2,877 |
| Cash dividends to net income (ytd only)* | 48.8122% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1262% | 3,223 |
| Loan loss allowance to noncurrent loans | 646.1843% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 4,636 |
| Noncurrent loans to loans | 0.1743% | 4,199 |
| Net loans and leases to total assets | 51.7730% | 4,451 |
| Net loans and leases to deposits | 57.8685% | 4,591 |
| Net loans and leases to core deposits | 59.5359% | 4,679 |
| Total domestic deposits to total assets | 89.4666% | 905 |
| Equity capital to assets | 7.8681% | 5,304 |
| Core capital (leverage) ratio | 8.8912% | 4,810 |
| Tier 1 risk-based capital ratio | 13.8081% | 3,493 |
| Total risk-based capital ratio | 14.7394% | 3,572 |
| Memoranda: | ||
| Average total assets | $1,100,098,000 | 698 |
| Average earning assets | $1,011,845,000 | 699 |
| Average equity | $90,963,500 | 929 |
| Average total loans | $560,830,000 | 954 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9427% | 3,600 |
| Cost of funding earning assets | 0.2591% | 4,490 |
| Net interest margin | 3.6836% | 2,863 |
| Noninterest income to average assets | 1.0001% | 1,018 |
| Noninterest expense to average assets | 3.0942% | 1,875 |
| Loan and lease loss provision to assets | 0.0332% | 3,599 |
| Net operating income to assets | 1.2586% | 1,331 |
| Return on assets (ROA) | 1.2702% | 1,322 |
| Pretax return on assets | 1.2702% | 2,468 |
| Return on Equity (ROE) | 14.2431% | 729 |
| Retained earnings to average equity (ytd only) | 3.8218% | 2,928 |
| Net charge-offs to loans | 0.0173% | 3,521 |
| Credit loss provision to net charge-offs | 384.6154% | 787 |
| Earnings coverage of net charge-offs (x) | 149.6813% | 480 |
| Efficiency ratio | 70.0160% | 2,543 |
| Assets per employee ($millions) | 4.5045% | 3,176 |
| Cash dividends to net income (ytd only)* | 73.1671% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 2,845 |
| Loan loss allowance to noncurrent loans | 1,137.9189% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.0518% | 4,872 |
| Noncurrent loans to loans | 0.1045% | 4,518 |
| Net loans and leases to total assets | 48.9940% | 4,705 |
| Net loans and leases to deposits | 54.4706% | 4,872 |
| Net loans and leases to core deposits | 56.4299% | 4,921 |
| Total domestic deposits to total assets | 89.9456% | 588 |
| Equity capital to assets | 8.6733% | 4,973 |
| Core capital (leverage) ratio | 8.8578% | 4,801 |
| Tier 1 risk-based capital ratio | 14.2593% | 3,218 |
| Total risk-based capital ratio | 15.2258% | 3,280 |
| Memoranda: | ||
| Average total assets | $1,054,463,400 | 701 |
| Average earning assets | $969,213,000 | 699 |
| Average equity | $94,038,400 | 874 |
| Average total loans | $527,085,800 | 977 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9092% | 3,657 |
| Cost of funding earning assets | 0.2436% | 4,626 |
| Net interest margin | 3.6656% | 2,888 |
| Noninterest income to average assets | 1.0103% | 1,002 |
| Noninterest expense to average assets | 3.0787% | 1,858 |
| Loan and lease loss provision to assets | 0.0447% | 3,205 |
| Net operating income to assets | 1.2564% | 1,486 |
| Return on assets (ROA) | 1.2721% | 1,453 |
| Pretax return on assets | 1.2721% | 2,617 |
| Return on Equity (ROE) | 14.1625% | 801 |
| Retained earnings to average equity (ytd only) | 2.3663% | 4,467 |
| Net charge-offs to loans | 0.0209% | 3,067 |
| Credit loss provision to net charge-offs | 426.8293% | 735 |
| Earnings coverage of net charge-offs (x) | 124.2933% | 611 |
| Efficiency ratio | 69.7543% | 2,575 |
| Assets per employee ($millions) | 4.4352% | 3,265 |
| Cash dividends to net income (ytd only)* | 83.2915% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2246% | 2,774 |
| Loan loss allowance to noncurrent loans | 1,121.7014% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 4,965 |
| Noncurrent loans to loans | 0.1092% | 4,619 |
| Net loans and leases to total assets | 48.1582% | 4,813 |
| Net loans and leases to deposits | 53.4521% | 4,986 |
| Net loans and leases to core deposits | 55.4012% | 5,024 |
| Total domestic deposits to total assets | 90.0959% | 442 |
| Equity capital to assets | 8.8351% | 5,047 |
| Core capital (leverage) ratio | 9.0238% | 4,711 |
| Tier 1 risk-based capital ratio | 14.3940% | 3,242 |
| Total risk-based capital ratio | 15.3917% | 3,286 |
| Memoranda: | ||
| Average total assets | $1,044,432,250 | 712 |
| Average earning assets | $960,071,500 | 711 |
| Average equity | $93,813,750 | 881 |
| Average total loans | $523,173,750 | 981 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9066% | 3,532 |
| Cost of funding earning assets | 0.2232% | 4,773 |
| Net interest margin | 3.6834% | 2,708 |
| Noninterest income to average assets | 0.9926% | 1,029 |
| Noninterest expense to average assets | 3.0656% | 1,925 |
| Loan and lease loss provision to assets | 0.0581% | 2,811 |
| Net operating income to assets | 1.2597% | 1,408 |
| Return on assets (ROA) | 1.2597% | 1,436 |
| Pretax return on assets | 1.2597% | 2,535 |
| Return on Equity (ROE) | 13.9442% | 818 |
| Retained earnings to average equity (ytd only) | 3.6454% | 3,535 |
| Net charge-offs to loans | 0.0207% | 2,819 |
| Credit loss provision to net charge-offs | 555.5556% | 602 |
| Earnings coverage of net charge-offs (x) | 125.9074% | 559 |
| Efficiency ratio | 69.3920% | 2,789 |
| Assets per employee ($millions) | 4.3729% | 3,309 |
| Cash dividends to net income (ytd only)* | 73.8575% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2417% | 2,747 |
| Loan loss allowance to noncurrent loans | 1,067.8275% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0579% | 4,976 |
| Noncurrent loans to loans | 0.1163% | 4,652 |
| Net loans and leases to total assets | 49.2071% | 4,755 |
| Net loans and leases to deposits | 54.9479% | 4,912 |
| Net loans and leases to core deposits | 57.0886% | 4,944 |
| Total domestic deposits to total assets | 89.5523% | 711 |
| Equity capital to assets | 9.2744% | 4,647 |
| Core capital (leverage) ratio | 9.1585% | 4,546 |
| Tier 1 risk-based capital ratio | 14.9711% | 2,940 |
| Total risk-based capital ratio | 16.0054% | 2,965 |
| Memoranda: | ||
| Average total assets | $1,031,847,670 | 726 |
| Average earning assets | $949,882,330 | 721 |
| Average equity | $93,214,330 | 885 |
| Average total loans | $521,691,000 | 983 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0043% | 3,027 |
| Cost of funding earning assets | 0.1881% | 5,086 |
| Net interest margin | 3.8162% | 2,062 |
| Noninterest income to average assets | 0.9870% | 1,031 |
| Noninterest expense to average assets | 2.9690% | 2,246 |
| Loan and lease loss provision to assets | 0.0584% | 2,639 |
| Net operating income to assets | 1.4740% | 858 |
| Return on assets (ROA) | 1.4740% | 883 |
| Pretax return on assets | 1.4740% | 1,626 |
| Return on Equity (ROE) | 16.5399% | 458 |
| Retained earnings to average equity (ytd only) | 2.5601% | 4,115 |
| Net charge-offs to loans | 0.0329% | 2,118 |
| Credit loss provision to net charge-offs | 348.8372% | 715 |
| Earnings coverage of net charge-offs (x) | 91.5349% | 581 |
| Efficiency ratio | 65.4212% | 3,585 |
| Assets per employee ($millions) | 5.0301% | 2,401 |
| Cash dividends to net income (ytd only)* | 84.5219% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2213% | 3,001 |
| Loan loss allowance to noncurrent loans | 1,171.0037% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.0517% | 5,096 |
| Noncurrent loans to loans | 0.1043% | 4,770 |
| Net loans and leases to total assets | 48.9362% | 4,752 |
| Net loans and leases to deposits | 54.3471% | 4,914 |
| Net loans and leases to core deposits | 56.7302% | 4,938 |
| Total domestic deposits to total assets | 90.0439% | 638 |
| Equity capital to assets | 8.8547% | 4,950 |
| Core capital (leverage) ratio | 9.1022% | 4,616 |
| Tier 1 risk-based capital ratio | 15.3134% | 2,828 |
| Total risk-based capital ratio | 16.3616% | 2,848 |
| Memoranda: | ||
| Average total assets | $1,027,402,000 | 734 |
| Average earning assets | $946,184,500 | 725 |
| Average equity | $91,560,500 | 894 |
| Average total loans | $523,258,000 | 982 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7175% | 4,164 |
| Cost of funding earning assets | 0.1785% | 5,230 |
| Net interest margin | 3.5390% | 3,290 |
| Noninterest income to average assets | 0.9822% | 1,193 |
| Noninterest expense to average assets | 2.9389% | 2,533 |
| Loan and lease loss provision to assets | 0.0898% | 2,570 |
| Net operating income to assets | 1.2184% | 1,442 |
| Return on assets (ROA) | 1.2621% | 1,400 |
| Pretax return on assets | 1.2621% | 2,427 |
| Return on Equity (ROE) | 13.0297% | 988 |
| Retained earnings to average equity (ytd only) | 2.6224% | 4,029 |
| Net charge-offs to loans | 0.0280% | 3,472 |
| Credit loss provision to net charge-offs | 638.2979% | 537 |
| Earnings coverage of net charge-offs (x) | 92.9574% | 637 |
| Efficiency ratio | 68.6196% | 3,143 |
| Assets per employee ($millions) | 5.1190% | 2,269 |
| Cash dividends to net income (ytd only)* | 79.8735% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 3,324 |
| Loan loss allowance to noncurrent loans | 10,677.5862% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 5,403 |
| Noncurrent loans to loans | 0.0109% | 5,246 |
| Net loans and leases to total assets | 51.7461% | 4,630 |
| Net loans and leases to deposits | 57.4412% | 4,832 |
| Net loans and leases to core deposits | 60.0119% | 4,858 |
| Total domestic deposits to total assets | 90.0853% | 603 |
| Equity capital to assets | 8.9706% | 4,851 |
| Core capital (leverage) ratio | 9.1431% | 4,557 |
| Tier 1 risk-based capital ratio | 15.2414% | 2,866 |
| Total risk-based capital ratio | 16.2717% | 2,890 |
| Memoranda: | ||
| Average total assets | $1,001,902,200 | 723 |
| Average earning assets | $924,306,600 | 717 |
| Average equity | $97,047,800 | 812 |
| Average total loans | $503,543,800 | 970 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6916% | 4,278 |
| Cost of funding earning assets | 0.1794% | 5,267 |
| Net interest margin | 3.5121% | 3,425 |
| Noninterest income to average assets | 0.9759% | 1,198 |
| Noninterest expense to average assets | 2.9007% | 2,646 |
| Loan and lease loss provision to assets | 0.1001% | 2,233 |
| Net operating income to assets | 1.2195% | 1,565 |
| Return on assets (ROA) | 1.2779% | 1,459 |
| Pretax return on assets | 1.2779% | 2,512 |
| Return on Equity (ROE) | 12.9504% | 1,072 |
| Retained earnings to average equity (ytd only) | 3.3475% | 3,889 |
| Net charge-offs to loans | 0.0311% | 3,030 |
| Credit loss provision to net charge-offs | 646.5517% | 588 |
| Earnings coverage of net charge-offs (x) | 85.2343% | 735 |
| Efficiency ratio | 68.1477% | 3,199 |
| Assets per employee ($millions) | 4.7975% | 2,612 |
| Cash dividends to net income (ytd only)* | 74.1514% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1144% | 3,759 |
| Loan loss allowance to noncurrent loans | 4,893.5484% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 5,474 |
| Noncurrent loans to loans | 0.0228% | 5,294 |
| Net loans and leases to total assets | 53.4464% | 4,541 |
| Net loans and leases to deposits | 60.0208% | 4,757 |
| Net loans and leases to core deposits | 62.7264% | 4,790 |
| Total domestic deposits to total assets | 89.0464% | 880 |
| Equity capital to assets | 9.9628% | 4,165 |
| Core capital (leverage) ratio | 9.2917% | 4,468 |
| Tier 1 risk-based capital ratio | 15.0233% | 3,041 |
| Total risk-based capital ratio | 16.0195% | 3,099 |
| Memoranda: | ||
| Average total assets | $998,986,000 | 725 |
| Average earning assets | $922,840,500 | 720 |
| Average equity | $98,579,000 | 803 |
| Average total loans | $496,761,250 | 980 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6572% | 4,422 |
| Cost of funding earning assets | 0.1803% | 5,314 |
| Net interest margin | 3.4769% | 3,578 |
| Noninterest income to average assets | 0.9505% | 1,240 |
| Noninterest expense to average assets | 2.8590% | 2,807 |
| Loan and lease loss provision to assets | 0.1004% | 2,158 |
| Net operating income to assets | 1.2042% | 1,585 |
| Return on assets (ROA) | 1.2060% | 1,675 |
| Pretax return on assets | 1.2060% | 2,761 |
| Return on Equity (ROE) | 12.2616% | 1,222 |
| Retained earnings to average equity (ytd only) | 3.8926% | 3,422 |
| Net charge-offs to loans | 0.0462% | 2,553 |
| Credit loss provision to net charge-offs | 450.4505% | 714 |
| Earnings coverage of net charge-offs (x) | 58.5405% | 902 |
| Efficiency ratio | 68.0731% | 3,332 |
| Assets per employee ($millions) | 4.9709% | 2,330 |
| Cash dividends to net income (ytd only)* | 68.2537% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 3,656 |
| Loan loss allowance to noncurrent loans | 379.1016% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.1545% | 4,892 |
| Noncurrent loans to loans | 0.3030% | 4,285 |
| Net loans and leases to total assets | 50.4029% | 4,817 |
| Net loans and leases to deposits | 56.7308% | 4,969 |
| Net loans and leases to core deposits | 59.3467% | 5,004 |
| Total domestic deposits to total assets | 88.8458% | 986 |
| Equity capital to assets | 10.1934% | 3,986 |
| Core capital (leverage) ratio | 9.2148% | 4,572 |
| Tier 1 risk-based capital ratio | 15.6890% | 2,789 |
| Total risk-based capital ratio | 16.6940% | 2,814 |
| Memoranda: | ||
| Average total assets | $996,153,670 | 727 |
| Average earning assets | $920,591,670 | 717 |
| Average equity | $97,980,670 | 805 |
| Average total loans | $480,838,000 | 1,009 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6372% | 4,514 |
| Cost of funding earning assets | 0.1808% | 5,367 |
| Net interest margin | 3.4564% | 3,639 |
| Noninterest income to average assets | 0.9086% | 1,293 |
| Noninterest expense to average assets | 2.8385% | 2,923 |
| Loan and lease loss provision to assets | 0.0802% | 2,355 |
| Net operating income to assets | 1.1874% | 1,596 |
| Return on assets (ROA) | 1.1874% | 1,694 |
| Pretax return on assets | 1.1874% | 2,750 |
| Return on Equity (ROE) | 12.2949% | 1,215 |
| Retained earnings to average equity (ytd only) | 1.9107% | 4,491 |
| Net charge-offs to loans | 0.0453% | 2,113 |
| Credit loss provision to net charge-offs | 377.3585% | 737 |
| Earnings coverage of net charge-offs (x) | 59.6226% | 787 |
| Efficiency ratio | 68.5229% | 3,373 |
| Assets per employee ($millions) | 5.0994% | 2,239 |
| Cash dividends to net income (ytd only)* | 84.4595% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1801% | 3,601 |
| Loan loss allowance to noncurrent loans | 348.3770% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.1595% | 4,933 |
| Noncurrent loans to loans | 0.3387% | 4,226 |
| Net loans and leases to total assets | 46.5216% | 5,081 |
| Net loans and leases to deposits | 51.9467% | 5,232 |
| Net loans and leases to core deposits | 54.3146% | 5,227 |
| Total domestic deposits to total assets | 89.5565% | 808 |
| Equity capital to assets | 9.6688% | 4,483 |
| Core capital (leverage) ratio | 9.0358% | 4,807 |
| Tier 1 risk-based capital ratio | 16.2322% | 2,577 |
| Total risk-based capital ratio | 17.2454% | 2,631 |
| Memoranda: | ||
| Average total assets | $997,136,000 | 728 |
| Average earning assets | $922,460,000 | 715 |
| Average equity | $96,300,000 | 821 |
| Average total loans | $467,795,500 | 1,027 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6160% | 4,624 |
| Cost of funding earning assets | 0.2455% | 4,832 |
| Net interest margin | 3.3705% | 4,034 |
| Noninterest income to average assets | 0.8646% | 1,548 |
| Noninterest expense to average assets | 2.8470% | 3,045 |
| Loan and lease loss provision to assets | 0.0783% | 2,720 |
| Net operating income to assets | 1.0360% | 2,187 |
| Return on assets (ROA) | 1.1211% | 1,898 |
| Pretax return on assets | 1.1211% | 2,954 |
| Return on Equity (ROE) | 11.7974% | 1,359 |
| Retained earnings to average equity (ytd only) | 9.3307% | 580 |
| Net charge-offs to loans | 0.0258% | 3,717 |
| Credit loss provision to net charge-offs | 681.4159% | 494 |
| Earnings coverage of net charge-offs (x) | 96.9646% | 591 |
| Efficiency ratio | 71.2397% | 3,027 |
| Assets per employee ($millions) | 4.9485% | 2,425 |
| Cash dividends to net income (ytd only)* | 20.9089% | 3,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1745% | 3,617 |
| Loan loss allowance to noncurrent loans | 682.6633% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.0804% | 5,308 |
| Noncurrent loans to loans | 0.1720% | 4,800 |
| Net loans and leases to total assets | 46.1991% | 5,142 |
| Net loans and leases to deposits | 51.6096% | 5,303 |
| Net loans and leases to core deposits | 53.8948% | 5,324 |
| Total domestic deposits to total assets | 89.5165% | 845 |
| Equity capital to assets | 9.6464% | 4,379 |
| Core capital (leverage) ratio | 9.1797% | 4,645 |
| Tier 1 risk-based capital ratio | 16.5237% | 2,465 |
| Total risk-based capital ratio | 17.5305% | 2,528 |
| Memoranda: | ||
| Average total assets | $983,335,800 | 703 |
| Average earning assets | $903,459,400 | 695 |
| Average equity | $93,444,400 | 812 |
| Average total loans | $437,157,200 | 1,051 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6042% | 4,727 |
| Cost of funding earning assets | 0.2170% | 5,215 |
| Net interest margin | 3.3872% | 4,012 |
| Noninterest income to average assets | 0.8572% | 1,594 |
| Noninterest expense to average assets | 2.8349% | 3,058 |
| Loan and lease loss provision to assets | 0.0842% | 2,487 |
| Net operating income to assets | 1.0456% | 2,240 |
| Return on assets (ROA) | 1.1013% | 2,081 |
| Pretax return on assets | 1.1013% | 3,227 |
| Return on Equity (ROE) | 11.6332% | 1,486 |
| Retained earnings to average equity (ytd only) | 10.5143% | 548 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8732% | 3,071 |
| Assets per employee ($millions) | 4.8448% | 2,497 |
| Cash dividends to net income (ytd only)* | 9.6189% | 3,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2232% | 3,528 |
| Loan loss allowance to noncurrent loans | 53,970.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 5,800 |
| Noncurrent loans to loans | 0.0023% | 5,661 |
| Net loans and leases to total assets | 44.3144% | 5,338 |
| Net loans and leases to deposits | 50.1853% | 5,464 |
| Net loans and leases to core deposits | 52.5434% | 5,479 |
| Total domestic deposits to total assets | 88.3016% | 1,396 |
| Equity capital to assets | 9.8019% | 4,392 |
| Core capital (leverage) ratio | 8.9904% | 5,002 |
| Tier 1 risk-based capital ratio | 16.7750% | 2,445 |
| Total risk-based capital ratio | 17.8065% | 2,503 |
| Memoranda: | ||
| Average total assets | $981,747,250 | 710 |
| Average earning assets | $900,669,500 | 701 |
| Average equity | $92,938,250 | 821 |
| Average total loans | $430,781,000 | 1,067 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5625% | 4,827 |
| Cost of funding earning assets | 0.2165% | 5,293 |
| Net interest margin | 3.3460% | 4,119 |
| Noninterest income to average assets | 0.8355% | 1,649 |
| Noninterest expense to average assets | 2.8491% | 3,069 |
| Loan and lease loss provision to assets | 0.0754% | 2,604 |
| Net operating income to assets | 0.9668% | 2,552 |
| Return on assets (ROA) | 1.0504% | 2,249 |
| Pretax return on assets | 1.0504% | 3,379 |
| Return on Equity (ROE) | 11.2285% | 1,608 |
| Retained earnings to average equity (ytd only) | 9.5289% | 773 |
| Net charge-offs to loans | 0.0061% | 3,688 |
| Credit loss provision to net charge-offs | 2,846.1538% | 150 |
| Earnings coverage of net charge-offs (x) | 393.3077% | 169 |
| Efficiency ratio | 72.5720% | 2,916 |
| Assets per employee ($millions) | 5.0882% | 2,157 |
| Cash dividends to net income (ytd only)* | 15.1368% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1679% | 3,985 |
| Loan loss allowance to noncurrent loans | 7,334.2857% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 5,873 |
| Noncurrent loans to loans | 0.0159% | 5,703 |
| Net loans and leases to total assets | 44.4704% | 5,355 |
| Net loans and leases to deposits | 50.0282% | 5,505 |
| Net loans and leases to core deposits | 52.5747% | 5,508 |
| Total domestic deposits to total assets | 88.8907% | 1,194 |
| Equity capital to assets | 9.3328% | 4,854 |
| Core capital (leverage) ratio | 8.7839% | 5,243 |
| Tier 1 risk-based capital ratio | 16.2846% | 2,715 |
| Total risk-based capital ratio | 17.2707% | 2,804 |
| Memoranda: | ||
| Average total assets | $981,164,000 | 712 |
| Average earning assets | $896,066,330 | 711 |
| Average equity | $91,784,000 | 837 |
| Average total loans | $427,298,670 | 1,075 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6198% | 4,628 |
| Cost of funding earning assets | 0.2189% | 5,329 |
| Net interest margin | 3.4009% | 3,835 |
| Noninterest income to average assets | 0.8278% | 1,610 |
| Noninterest expense to average assets | 2.8208% | 3,175 |
| Loan and lease loss provision to assets | 0.0895% | 2,198 |
| Net operating income to assets | 1.0020% | 2,263 |
| Return on assets (ROA) | 1.0020% | 2,397 |
| Pretax return on assets | 1.0020% | 3,496 |
| Return on Equity (ROE) | 10.6984% | 1,734 |
| Retained earnings to average equity (ytd only) | 7.3104% | 1,853 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4568% | 3,258 |
| Assets per employee ($millions) | 5.2048% | 2,108 |
| Cash dividends to net income (ytd only)* | 31.6687% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 4,323 |
| Loan loss allowance to noncurrent loans | 2,715.2174% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 5,872 |
| Noncurrent loans to loans | 0.0420% | 5,615 |
| Net loans and leases to total assets | 44.2981% | 5,328 |
| Net loans and leases to deposits | 49.8952% | 5,465 |
| Net loans and leases to core deposits | 52.4991% | 5,453 |
| Total domestic deposits to total assets | 88.7822% | 1,402 |
| Equity capital to assets | 9.4989% | 4,753 |
| Core capital (leverage) ratio | 8.4313% | 5,596 |
| Tier 1 risk-based capital ratio | 15.6231% | 3,093 |
| Total risk-based capital ratio | 16.5741% | 3,177 |
| Memoranda: | ||
| Average total assets | $983,281,000 | 710 |
| Average earning assets | $891,764,000 | 712 |
| Average equity | $92,088,500 | 837 |
| Average total loans | $421,158,500 | 1,089 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4326% | 5,459 |
| Cost of funding earning assets | 0.2328% | 5,497 |
| Net interest margin | 3.1998% | 4,917 |
| Noninterest income to average assets | 0.9570% | 1,331 |
| Noninterest expense to average assets | 2.9084% | 3,125 |
| Loan and lease loss provision to assets | 0.0771% | 2,936 |
| Net operating income to assets | 0.9338% | 2,706 |
| Return on assets (ROA) | 0.9719% | 2,600 |
| Pretax return on assets | 0.9719% | 3,607 |
| Return on Equity (ROE) | 12.0026% | 1,411 |
| Retained earnings to average equity (ytd only) | 7.2850% | 1,281 |
| Net charge-offs to loans | -0.1012% | 6,112 |
| Credit loss provision to net charge-offs | -201.0490% | 5,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7355% | 2,876 |
| Assets per employee ($millions) | 4.7482% | 2,658 |
| Cash dividends to net income (ytd only)* | 39.3049% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5990% | 2,092 |
| Loan loss allowance to noncurrent loans | 1,746.1538% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 5,898 |
| Noncurrent loans to loans | 0.0916% | 5,523 |
| Net loans and leases to total assets | 36.5593% | 5,925 |
| Net loans and leases to deposits | 40.6676% | 6,014 |
| Net loans and leases to core deposits | 42.5109% | 6,014 |
| Total domestic deposits to total assets | 89.8980% | 776 |
| Equity capital to assets | 8.1494% | 5,986 |
| Core capital (leverage) ratio | 8.1532% | 5,886 |
| Tier 1 risk-based capital ratio | 16.6355% | 2,658 |
| Total risk-based capital ratio | 17.8701% | 2,612 |
| Memoranda: | ||
| Average total assets | $746,074,000 | 903 |
| Average earning assets | $690,693,600 | 891 |
| Average equity | $60,411,800 | 1,211 |
| Average total loans | $282,613,800 | 1,508 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4532% | 5,490 |
| Cost of funding earning assets | 0.2352% | 5,553 |
| Net interest margin | 3.2180% | 4,901 |
| Noninterest income to average assets | 0.9683% | 1,315 |
| Noninterest expense to average assets | 2.8929% | 3,148 |
| Loan and lease loss provision to assets | 0.1047% | 2,292 |
| Net operating income to assets | 0.9514% | 2,680 |
| Return on assets (ROA) | 0.9821% | 2,599 |
| Pretax return on assets | 0.9821% | 3,663 |
| Return on Equity (ROE) | 12.1508% | 1,438 |
| Retained earnings to average equity (ytd only) | 7.3058% | 1,670 |
| Net charge-offs to loans | -0.1024% | 6,143 |
| Credit loss provision to net charge-offs | -268.6916% | 5,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7814% | 3,045 |
| Assets per employee ($millions) | 4.5139% | 2,948 |
| Cash dividends to net income (ytd only)* | 39.8740% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6498% | 2,139 |
| Loan loss allowance to noncurrent loans | 1,462.6168% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 5,934 |
| Noncurrent loans to loans | 0.1128% | 5,589 |
| Net loans and leases to total assets | 36.6899% | 6,004 |
| Net loans and leases to deposits | 41.0559% | 6,085 |
| Net loans and leases to core deposits | 42.9094% | 6,087 |
| Total domestic deposits to total assets | 89.3658% | 1,043 |
| Equity capital to assets | 8.2394% | 5,986 |
| Core capital (leverage) ratio | 8.4615% | 5,696 |
| Tier 1 risk-based capital ratio | 17.2647% | 2,492 |
| Total risk-based capital ratio | 18.5150% | 2,455 |
| Memoranda: | ||
| Average total assets | $731,983,000 | 927 |
| Average earning assets | $678,009,750 | 915 |
| Average equity | $59,166,250 | 1,246 |
| Average total loans | $278,734,000 | 1,538 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5052% | 5,399 |
| Cost of funding earning assets | 0.2382% | 5,599 |
| Net interest margin | 3.2670% | 4,713 |
| Noninterest income to average assets | 0.9519% | 1,326 |
| Noninterest expense to average assets | 2.8829% | 3,229 |
| Loan and lease loss provision to assets | 0.1455% | 1,698 |
| Net operating income to assets | 0.9450% | 2,571 |
| Return on assets (ROA) | 0.9699% | 2,540 |
| Pretax return on assets | 0.9699% | 3,612 |
| Return on Equity (ROE) | 12.0821% | 1,395 |
| Retained earnings to average equity (ytd only) | 8.1123% | 1,287 |
| Net charge-offs to loans | 0.1199% | 2,472 |
| Credit loss provision to net charge-offs | 316.2651% | 819 |
| Earnings coverage of net charge-offs (x) | 23.7048% | 1,459 |
| Efficiency ratio | 72.0742% | 3,323 |
| Assets per employee ($millions) | 4.5471% | 2,852 |
| Cash dividends to net income (ytd only)* | 32.8571% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5456% | 2,689 |
| Loan loss allowance to noncurrent loans | 1,102.0672% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.0612% | 5,992 |
| Noncurrent loans to loans | 0.1402% | 5,584 |
| Net loans and leases to total assets | 36.8824% | 6,011 |
| Net loans and leases to deposits | 41.4925% | 6,089 |
| Net loans and leases to core deposits | 43.3660% | 6,098 |
| Total domestic deposits to total assets | 88.8893% | 1,425 |
| Equity capital to assets | 8.6158% | 5,700 |
| Core capital (leverage) ratio | 8.5647% | 5,570 |
| Tier 1 risk-based capital ratio | 17.6982% | 2,353 |
| Total risk-based capital ratio | 18.9135% | 2,335 |
| Memoranda: | ||
| Average total assets | $721,694,000 | 939 |
| Average earning assets | $667,469,330 | 929 |
| Average equity | $57,937,000 | 1,262 |
| Average total loans | $276,784,000 | 1,545 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5179% | 5,373 |
| Cost of funding earning assets | 0.2422% | 5,662 |
| Net interest margin | 3.2756% | 4,641 |
| Noninterest income to average assets | 0.8675% | 1,492 |
| Noninterest expense to average assets | 2.8271% | 3,463 |
| Loan and lease loss provision to assets | 0.1680% | 1,442 |
| Net operating income to assets | 0.9017% | 2,640 |
| Return on assets (ROA) | 0.9218% | 2,615 |
| Pretax return on assets | 0.9218% | 3,616 |
| Return on Equity (ROE) | 11.9336% | 1,426 |
| Retained earnings to average equity (ytd only) | 8.6711% | 1,352 |
| Net charge-offs to loans | -0.0072% | 4,927 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0609% | 3,477 |
| Assets per employee ($millions) | 4.6266% | 2,760 |
| Cash dividends to net income (ytd only)* | 27.3390% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5142% | 3,083 |
| Loan loss allowance to noncurrent loans | 95.7916% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 0.6819% | 4,063 |
| Noncurrent loans to loans | 1.5807% | 2,447 |
| Net loans and leases to total assets | 37.9478% | 5,947 |
| Net loans and leases to deposits | 42.4630% | 6,055 |
| Net loans and leases to core deposits | 44.3892% | 6,058 |
| Total domestic deposits to total assets | 89.3668% | 1,435 |
| Equity capital to assets | 8.1857% | 5,915 |
| Core capital (leverage) ratio | 8.6370% | 5,479 |
| Tier 1 risk-based capital ratio | 17.6024% | 2,448 |
| Total risk-based capital ratio | 18.8191% | 2,427 |
| Memoranda: | ||
| Average total assets | $714,224,000 | 951 |
| Average earning assets | $660,511,500 | 940 |
| Average equity | $55,172,000 | 1,308 |
| Average total loans | $277,199,500 | 1,546 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4646% | 5,701 |
| Cost of funding earning assets | 0.2837% | 5,730 |
| Net interest margin | 3.1808% | 5,059 |
| Noninterest income to average assets | 0.8982% | 1,683 |
| Noninterest expense to average assets | 2.8737% | 3,449 |
| Loan and lease loss provision to assets | 0.0549% | 4,042 |
| Net operating income to assets | 0.9184% | 2,691 |
| Return on assets (ROA) | 0.9675% | 2,549 |
| Pretax return on assets | 0.9675% | 3,493 |
| Return on Equity (ROE) | 12.3427% | 1,317 |
| Retained earnings to average equity (ytd only) | 8.8528% | 805 |
| Net charge-offs to loans | 0.1550% | 3,257 |
| Credit loss provision to net charge-offs | 92.1376% | 2,701 |
| Earnings coverage of net charge-offs (x) | 16.3219% | 1,811 |
| Efficiency ratio | 74.1763% | 3,100 |
| Assets per employee ($millions) | 4.4727% | 2,953 |
| Cash dividends to net income (ytd only)* | 28.2750% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4137% | 3,588 |
| Loan loss allowance to noncurrent loans | 101.6658% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 0.6181% | 4,387 |
| Noncurrent loans to loans | 1.3905% | 2,809 |
| Net loans and leases to total assets | 38.5446% | 6,052 |
| Net loans and leases to deposits | 42.7230% | 6,189 |
| Net loans and leases to core deposits | 44.6290% | 6,200 |
| Total domestic deposits to total assets | 90.2196% | 958 |
| Equity capital to assets | 7.2539% | 6,383 |
| Core capital (leverage) ratio | 8.1300% | 6,033 |
| Tier 1 risk-based capital ratio | 16.5723% | 2,812 |
| Total risk-based capital ratio | 17.7263% | 2,827 |
| Memoranda: | ||
| Average total assets | $682,475,400 | 977 |
| Average earning assets | $632,694,000 | 958 |
| Average equity | $53,497,000 | 1,327 |
| Average total loans | $262,563,800 | 1,580 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4226% | 5,837 |
| Cost of funding earning assets | 0.2941% | 5,776 |
| Net interest margin | 3.1285% | 5,239 |
| Noninterest income to average assets | 0.8961% | 1,769 |
| Noninterest expense to average assets | 2.8303% | 3,557 |
| Loan and lease loss provision to assets | 0.0591% | 3,864 |
| Net operating income to assets | 0.9063% | 2,804 |
| Return on assets (ROA) | 0.9479% | 2,711 |
| Pretax return on assets | 0.9479% | 3,697 |
| Return on Equity (ROE) | 11.8616% | 1,519 |
| Retained earnings to average equity (ytd only) | 8.8450% | 1,102 |
| Net charge-offs to loans | 0.1142% | 3,407 |
| Credit loss provision to net charge-offs | 135.1351% | 1,746 |
| Earnings coverage of net charge-offs (x) | 22.0632% | 1,514 |
| Efficiency ratio | 74.0302% | 3,064 |
| Assets per employee ($millions) | 4.4293% | 2,993 |
| Cash dividends to net income (ytd only)* | 25.4315% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5052% | 3,434 |
| Loan loss allowance to noncurrent loans | 586.2774% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 6,131 |
| Noncurrent loans to loans | 0.2567% | 5,586 |
| Net loans and leases to total assets | 38.5266% | 6,140 |
| Net loans and leases to deposits | 43.0832% | 6,260 |
| Net loans and leases to core deposits | 45.3631% | 6,238 |
| Total domestic deposits to total assets | 89.4238% | 1,340 |
| Equity capital to assets | 7.8871% | 6,218 |
| Core capital (leverage) ratio | 8.2079% | 6,052 |
| Tier 1 risk-based capital ratio | 16.4636% | 2,950 |
| Total risk-based capital ratio | 17.6678% | 2,941 |
| Memoranda: | ||
| Average total assets | $676,421,500 | 989 |
| Average earning assets | $626,946,250 | 976 |
| Average equity | $54,055,500 | 1,326 |
| Average total loans | $259,130,500 | 1,604 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3744% | 5,962 |
| Cost of funding earning assets | 0.3070% | 5,771 |
| Net interest margin | 3.0674% | 5,373 |
| Noninterest income to average assets | 0.8777% | 1,900 |
| Noninterest expense to average assets | 2.7916% | 3,702 |
| Loan and lease loss provision to assets | 0.0667% | 3,699 |
| Net operating income to assets | 0.8637% | 2,977 |
| Return on assets (ROA) | 0.9239% | 2,822 |
| Pretax return on assets | 0.9239% | 3,814 |
| Return on Equity (ROE) | 11.5106% | 1,633 |
| Retained earnings to average equity (ytd only) | 8.8287% | 1,180 |
| Net charge-offs to loans | 0.1723% | 2,743 |
| Credit loss provision to net charge-offs | 101.8100% | 2,173 |
| Earnings coverage of net charge-offs (x) | 14.1991% | 1,841 |
| Efficiency ratio | 74.4523% | 3,041 |
| Assets per employee ($millions) | 4.3174% | 3,144 |
| Cash dividends to net income (ytd only)* | 23.2991% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4846% | 3,653 |
| Loan loss allowance to noncurrent loans | 520.0528% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.1169% | 6,132 |
| Noncurrent loans to loans | 0.2855% | 5,587 |
| Net loans and leases to total assets | 39.6000% | 6,070 |
| Net loans and leases to deposits | 44.0073% | 6,226 |
| Net loans and leases to core deposits | 46.5247% | 6,213 |
| Total domestic deposits to total assets | 89.9851% | 1,031 |
| Equity capital to assets | 7.3260% | 6,504 |
| Core capital (leverage) ratio | 8.0658% | 6,136 |
| Tier 1 risk-based capital ratio | 16.0197% | 3,178 |
| Total risk-based capital ratio | 17.1962% | 3,167 |
| Memoranda: | ||
| Average total assets | $674,527,000 | 990 |
| Average earning assets | $625,482,000 | 979 |
| Average equity | $54,141,330 | 1,330 |
| Average total loans | $256,571,330 | 1,618 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3266% | 6,101 |
| Cost of funding earning assets | 0.3246% | 5,764 |
| Net interest margin | 3.0021% | 5,566 |
| Noninterest income to average assets | 0.8593% | 1,899 |
| Noninterest expense to average assets | 2.7574% | 3,844 |
| Loan and lease loss provision to assets | 0.0880% | 3,193 |
| Net operating income to assets | 0.8041% | 3,139 |
| Return on assets (ROA) | 0.8147% | 3,221 |
| Pretax return on assets | 0.8147% | 4,116 |
| Return on Equity (ROE) | 9.7377% | 2,168 |
| Retained earnings to average equity (ytd only) | 7.5629% | 1,915 |
| Net charge-offs to loans | 0.3634% | 1,548 |
| Credit loss provision to net charge-offs | 65.5022% | 2,353 |
| Earnings coverage of net charge-offs (x) | 6.6376% | 2,189 |
| Efficiency ratio | 74.9920% | 3,101 |
| Assets per employee ($millions) | 4.5809% | 2,830 |
| Cash dividends to net income (ytd only)* | 22.3343% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5110% | 3,779 |
| Loan loss allowance to noncurrent loans | 520.0809% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.1100% | 6,244 |
| Noncurrent loans to loans | 0.2905% | 5,682 |
| Net loans and leases to total assets | 36.6070% | 6,253 |
| Net loans and leases to deposits | 41.1747% | 6,369 |
| Net loans and leases to core deposits | 43.6287% | 6,329 |
| Total domestic deposits to total assets | 88.9066% | 1,734 |
| Equity capital to assets | 8.1200% | 6,318 |
| Core capital (leverage) ratio | 7.6604% | 6,379 |
| Tier 1 risk-based capital ratio | 15.8147% | 3,367 |
| Total risk-based capital ratio | 16.9809% | 3,369 |
| Memoranda: | ||
| Average total assets | $681,507,500 | 987 |
| Average earning assets | $633,430,500 | 976 |
| Average equity | $57,015,500 | 1,283 |
| Average total loans | $252,094,000 | 1,652 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7821% | 5,876 |
| Cost of funding earning assets | 0.3599% | 6,162 |
| Net interest margin | 3.4222% | 4,810 |
| Noninterest income to average assets | 0.7985% | 2,268 |
| Noninterest expense to average assets | 2.9285% | 3,539 |
| Loan and lease loss provision to assets | 0.1281% | 4,008 |
| Net operating income to assets | 0.9021% | 2,808 |
| Return on assets (ROA) | 1.0370% | 2,379 |
| Pretax return on assets | 1.0370% | 3,406 |
| Return on Equity (ROE) | 11.2067% | 1,738 |
| Retained earnings to average equity (ytd only) | 8.4664% | 976 |
| Net charge-offs to loans | 0.1195% | 4,494 |
| Credit loss provision to net charge-offs | 268.4564% | 899 |
| Earnings coverage of net charge-offs (x) | 21.5839% | 1,297 |
| Efficiency ratio | 73.4170% | 3,169 |
| Assets per employee ($millions) | 4.4761% | 3,007 |
| Cash dividends to net income (ytd only)* | 24.4517% | 3,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5829% | 3,393 |
| Loan loss allowance to noncurrent loans | 265.9014% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.5451% | 5,115 |
| Noncurrent loans to loans | 0.5953% | 5,035 |
| Net loans and leases to total assets | 36.2270% | 6,417 |
| Net loans and leases to deposits | 40.9113% | 6,508 |
| Net loans and leases to core deposits | 43.6767% | 6,482 |
| Total domestic deposits to total assets | 88.5501% | 1,873 |
| Equity capital to assets | 8.6163% | 5,952 |
| Core capital (leverage) ratio | 7.7233% | 6,394 |
| Tier 1 risk-based capital ratio | 15.5007% | 3,422 |
| Total risk-based capital ratio | 16.6925% | 3,426 |
| Memoranda: | ||
| Average total assets | $624,304,800 | 1,057 |
| Average earning assets | $576,536,200 | 1,050 |
| Average equity | $57,769,200 | 1,228 |
| Average total loans | $249,401,200 | 1,649 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8994% | 5,787 |
| Cost of funding earning assets | 0.3700% | 6,272 |
| Net interest margin | 3.5294% | 4,531 |
| Noninterest income to average assets | 0.7674% | 2,392 |
| Noninterest expense to average assets | 2.8641% | 3,735 |
| Loan and lease loss provision to assets | 0.1636% | 3,476 |
| Net operating income to assets | 0.9975% | 2,522 |
| Return on assets (ROA) | 1.1303% | 2,179 |
| Pretax return on assets | 1.1303% | 3,232 |
| Return on Equity (ROE) | 11.9865% | 1,645 |
| Retained earnings to average equity (ytd only) | 9.6599% | 1,010 |
| Net charge-offs to loans | 0.1608% | 3,829 |
| Credit loss provision to net charge-offs | 249.1694% | 1,112 |
| Earnings coverage of net charge-offs (x) | 17.6879% | 1,609 |
| Efficiency ratio | 70.5981% | 3,576 |
| Assets per employee ($millions) | 4.3971% | 3,078 |
| Cash dividends to net income (ytd only)* | 19.4096% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5808% | 3,598 |
| Loan loss allowance to noncurrent loans | 276.5125% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.5922% | 5,190 |
| Noncurrent loans to loans | 0.5717% | 5,290 |
| Net loans and leases to total assets | 37.1685% | 6,472 |
| Net loans and leases to deposits | 42.3323% | 6,579 |
| Net loans and leases to core deposits | 46.1714% | 6,510 |
| Total domestic deposits to total assets | 87.8016% | 2,169 |
| Equity capital to assets | 9.3038% | 5,463 |
| Core capital (leverage) ratio | 7.9250% | 6,386 |
| Tier 1 risk-based capital ratio | 15.8353% | 3,357 |
| Total risk-based capital ratio | 17.0543% | 3,342 |
| Memoranda: | ||
| Average total assets | $611,409,750 | 1,093 |
| Average earning assets | $564,351,250 | 1,081 |
| Average equity | $57,652,500 | 1,235 |
| Average total loans | $249,553,750 | 1,666 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0098% | 5,612 |
| Cost of funding earning assets | 0.3824% | 6,366 |
| Net interest margin | 3.6274% | 4,154 |
| Noninterest income to average assets | 0.7638% | 2,356 |
| Noninterest expense to average assets | 2.9103% | 3,579 |
| Loan and lease loss provision to assets | 0.2006% | 3,076 |
| Net operating income to assets | 0.9952% | 2,489 |
| Return on assets (ROA) | 1.1988% | 1,921 |
| Pretax return on assets | 1.1988% | 2,929 |
| Return on Equity (ROE) | 12.6518% | 1,458 |
| Retained earnings to average equity (ytd only) | 10.5138% | 846 |
| Net charge-offs to loans | 0.2265% | 3,220 |
| Credit loss provision to net charge-offs | 211.2676% | 1,334 |
| Earnings coverage of net charge-offs (x) | 12.5951% | 1,864 |
| Efficiency ratio | 70.3167% | 3,710 |
| Assets per employee ($millions) | 4.2297% | 3,400 |
| Cash dividends to net income (ytd only)* | 16.8991% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 4,007 |
| Loan loss allowance to noncurrent loans | 247.3303% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.6701% | 5,100 |
| Noncurrent loans to loans | 0.6066% | 5,301 |
| Net loans and leases to total assets | 39.8923% | 6,350 |
| Net loans and leases to deposits | 45.4743% | 6,477 |
| Net loans and leases to core deposits | 48.8069% | 6,415 |
| Total domestic deposits to total assets | 87.7249% | 2,320 |
| Equity capital to assets | 9.1946% | 5,470 |
| Core capital (leverage) ratio | 8.0689% | 6,195 |
| Tier 1 risk-based capital ratio | 15.6367% | 3,371 |
| Total risk-based capital ratio | 16.8279% | 3,354 |
| Memoranda: | ||
| Average total assets | $598,288,000 | 1,113 |
| Average earning assets | $551,243,330 | 1,106 |
| Average equity | $56,687,670 | 1,255 |
| Average total loans | $250,815,670 | 1,655 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0233% | 5,691 |
| Cost of funding earning assets | 0.3948% | 6,435 |
| Net interest margin | 3.6285% | 4,134 |
| Noninterest income to average assets | 0.7685% | 2,308 |
| Noninterest expense to average assets | 2.9395% | 3,476 |
| Loan and lease loss provision to assets | 0.2039% | 2,911 |
| Net operating income to assets | 0.9663% | 2,609 |
| Return on assets (ROA) | 0.9934% | 2,700 |
| Pretax return on assets | 0.9934% | 3,698 |
| Return on Equity (ROE) | 10.3246% | 2,293 |
| Retained earnings to average equity (ytd only) | 8.2766% | 1,872 |
| Net charge-offs to loans | 0.2437% | 2,715 |
| Credit loss provision to net charge-offs | 196.0784% | 1,361 |
| Earnings coverage of net charge-offs (x) | 11.2549% | 1,683 |
| Efficiency ratio | 70.9656% | 3,628 |
| Assets per employee ($millions) | 4.1430% | 3,704 |
| Cash dividends to net income (ytd only)* | 19.8358% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4171% | 4,528 |
| Loan loss allowance to noncurrent loans | 109.4046% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.9155% | 4,688 |
| Noncurrent loans to loans | 1.2953% | 4,177 |
| Net loans and leases to total assets | 41.4916% | 6,235 |
| Net loans and leases to deposits | 47.2095% | 6,341 |
| Net loans and leases to core deposits | 50.9072% | 6,282 |
| Total domestic deposits to total assets | 87.8882% | 2,404 |
| Equity capital to assets | 9.4444% | 4,879 |
| Core capital (leverage) ratio | 8.1099% | 6,148 |
| Tier 1 risk-based capital ratio | 15.0993% | 3,694 |
| Total risk-based capital ratio | 16.2408% | 3,725 |
| Memoranda: | ||
| Average total assets | $588,663,500 | 1,140 |
| Average earning assets | $542,042,000 | 1,124 |
| Average equity | $56,641,500 | 1,260 |
| Average total loans | $251,172,500 | 1,653 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3524% | 5,596 |
| Cost of funding earning assets | 0.5698% | 6,244 |
| Net interest margin | 3.7826% | 3,915 |
| Noninterest income to average assets | 0.9192% | 1,607 |
| Noninterest expense to average assets | 3.2008% | 2,865 |
| Loan and lease loss provision to assets | 0.2639% | 3,581 |
| Net operating income to assets | 0.9079% | 2,567 |
| Return on assets (ROA) | 0.9368% | 2,581 |
| Pretax return on assets | 0.9368% | 3,485 |
| Return on Equity (ROE) | 10.0765% | 2,036 |
| Retained earnings to average equity (ytd only) | 7.7773% | 1,163 |
| Net charge-offs to loans | 0.6313% | 2,567 |
| Credit loss provision to net charge-offs | 90.9091% | 3,970 |
| Earnings coverage of net charge-offs (x) | 4.0370% | 3,294 |
| Efficiency ratio | 72.6066% | 3,463 |
| Assets per employee ($millions) | 4.0041% | 3,840 |
| Cash dividends to net income (ytd only)* | 22.8169% | 3,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3771% | 4,574 |
| Loan loss allowance to noncurrent loans | 88.2837% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 1.0612% | 4,493 |
| Noncurrent loans to loans | 1.5599% | 3,824 |
| Net loans and leases to total assets | 42.6769% | 6,324 |
| Net loans and leases to deposits | 48.8693% | 6,438 |
| Net loans and leases to core deposits | 52.5256% | 6,401 |
| Total domestic deposits to total assets | 87.3287% | 2,565 |
| Equity capital to assets | 9.8071% | 4,434 |
| Core capital (leverage) ratio | 8.1884% | 6,023 |
| Tier 1 risk-based capital ratio | 15.2077% | 3,507 |
| Total risk-based capital ratio | 16.3391% | 3,549 |
| Memoranda: | ||
| Average total assets | $530,555,200 | 1,258 |
| Average earning assets | $484,375,400 | 1,259 |
| Average equity | $49,322,800 | 1,382 |
| Average total loans | $243,929,800 | 1,715 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4599% | 5,388 |
| Cost of funding earning assets | 0.6086% | 6,251 |
| Net interest margin | 3.8513% | 3,607 |
| Noninterest income to average assets | 0.9576% | 1,458 |
| Noninterest expense to average assets | 3.2212% | 2,762 |
| Loan and lease loss provision to assets | 0.2826% | 3,260 |
| Net operating income to assets | 0.9666% | 2,450 |
| Return on assets (ROA) | 1.0008% | 2,468 |
| Pretax return on assets | 1.0008% | 3,397 |
| Return on Equity (ROE) | 10.9320% | 1,889 |
| Retained earnings to average equity (ytd only) | 8.2551% | 1,408 |
| Net charge-offs to loans | 0.0621% | 5,347 |
| Credit loss provision to net charge-offs | 973.4513% | 271 |
| Earnings coverage of net charge-offs (x) | 43.0362% | 736 |
| Efficiency ratio | 71.4647% | 3,660 |
| Assets per employee ($millions) | 3.8175% | 4,272 |
| Cash dividends to net income (ytd only)* | 24.4867% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8604% | 2,749 |
| Loan loss allowance to noncurrent loans | 85.4815% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 1.4310% | 3,972 |
| Noncurrent loans to loans | 2.1764% | 3,144 |
| Net loans and leases to total assets | 44.0936% | 6,325 |
| Net loans and leases to deposits | 50.7917% | 6,458 |
| Net loans and leases to core deposits | 54.2824% | 6,444 |
| Total domestic deposits to total assets | 86.8125% | 2,766 |
| Equity capital to assets | 9.9189% | 4,452 |
| Core capital (leverage) ratio | 8.1849% | 6,151 |
| Tier 1 risk-based capital ratio | 14.6799% | 3,845 |
| Total risk-based capital ratio | 15.9335% | 3,826 |
| Memoranda: | ||
| Average total assets | $519,045,750 | 1,294 |
| Average earning assets | $473,418,000 | 1,300 |
| Average equity | $47,516,750 | 1,440 |
| Average total loans | $242,535,250 | 1,741 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5277% | 5,269 |
| Cost of funding earning assets | 0.6371% | 6,290 |
| Net interest margin | 3.8907% | 3,365 |
| Noninterest income to average assets | 1.0018% | 1,310 |
| Noninterest expense to average assets | 3.2598% | 2,708 |
| Loan and lease loss provision to assets | 0.3137% | 2,913 |
| Net operating income to assets | 0.9771% | 2,326 |
| Return on assets (ROA) | 1.0292% | 2,202 |
| Pretax return on assets | 1.0292% | 3,122 |
| Return on Equity (ROE) | 11.5877% | 1,610 |
| Retained earnings to average equity (ytd only) | 9.0053% | 1,107 |
| Net charge-offs to loans | 0.0819% | 4,823 |
| Credit loss provision to net charge-offs | 808.0808% | 410 |
| Earnings coverage of net charge-offs (x) | 33.2525% | 859 |
| Efficiency ratio | 71.0408% | 3,928 |
| Assets per employee ($millions) | 3.7493% | 4,322 |
| Cash dividends to net income (ytd only)* | 22.2857% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7665% | 3,100 |
| Loan loss allowance to noncurrent loans | 78.6069% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 1.5079% | 3,939 |
| Noncurrent loans to loans | 2.2472% | 3,161 |
| Net loans and leases to total assets | 45.3122% | 6,323 |
| Net loans and leases to deposits | 51.9974% | 6,473 |
| Net loans and leases to core deposits | 55.6572% | 6,440 |
| Total domestic deposits to total assets | 87.1432% | 2,660 |
| Equity capital to assets | 9.5362% | 4,757 |
| Core capital (leverage) ratio | 8.2261% | 5,989 |
| Tier 1 risk-based capital ratio | 14.5700% | 3,744 |
| Total risk-based capital ratio | 15.8227% | 3,716 |
| Memoranda: | ||
| Average total assets | $510,095,670 | 1,320 |
| Average earning assets | $465,268,000 | 1,323 |
| Average equity | $45,306,670 | 1,488 |
| Average total loans | $241,624,330 | 1,765 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5195% | 5,271 |
| Cost of funding earning assets | 0.6860% | 6,220 |
| Net interest margin | 3.8336% | 3,453 |
| Noninterest income to average assets | 0.9867% | 1,366 |
| Noninterest expense to average assets | 3.2975% | 2,562 |
| Loan and lease loss provision to assets | 0.2387% | 3,283 |
| Net operating income to assets | 0.9413% | 2,392 |
| Return on assets (ROA) | 0.9413% | 2,456 |
| Pretax return on assets | 0.9413% | 3,357 |
| Return on Equity (ROE) | 11.0221% | 1,738 |
| Retained earnings to average equity (ytd only) | 8.1338% | 1,682 |
| Net charge-offs to loans | 0.1773% | 3,432 |
| Credit loss provision to net charge-offs | 280.3738% | 1,133 |
| Earnings coverage of net charge-offs (x) | 13.8598% | 1,402 |
| Efficiency ratio | 73.0407% | 3,672 |
| Assets per employee ($millions) | 3.8353% | 4,223 |
| Cash dividends to net income (ytd only)* | 26.2046% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5593% | 3,922 |
| Loan loss allowance to noncurrent loans | 69.0546% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 1.5272% | 3,956 |
| Noncurrent loans to loans | 2.2581% | 3,244 |
| Net loans and leases to total assets | 45.9557% | 6,293 |
| Net loans and leases to deposits | 52.3522% | 6,450 |
| Net loans and leases to core deposits | 55.6287% | 6,443 |
| Total domestic deposits to total assets | 87.7820% | 2,501 |
| Equity capital to assets | 9.0185% | 5,178 |
| Core capital (leverage) ratio | 8.1147% | 6,104 |
| Tier 1 risk-based capital ratio | 14.1460% | 3,973 |
| Total risk-based capital ratio | 15.3964% | 3,947 |
| Memoranda: | ||
| Average total assets | $502,691,000 | 1,345 |
| Average earning assets | $457,748,000 | 1,351 |
| Average equity | $42,932,000 | 1,549 |
| Average total loans | $241,375,000 | 1,786 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8916% | 5,075 |
| Cost of funding earning assets | 0.8415% | 6,393 |
| Net interest margin | 4.0502% | 2,805 |
| Noninterest income to average assets | 0.9664% | 1,622 |
| Noninterest expense to average assets | 3.3309% | 2,637 |
| Loan and lease loss provision to assets | 0.3198% | 4,253 |
| Net operating income to assets | 1.0075% | 2,017 |
| Return on assets (ROA) | 1.0660% | 1,907 |
| Pretax return on assets | 1.0890% | 2,612 |
| Return on Equity (ROE) | 12.6253% | 1,188 |
| Retained earnings to average equity (ytd only) | 8.4160% | 863 |
| Net charge-offs to loans | 0.6243% | 3,157 |
| Credit loss provision to net charge-offs | 96.5251% | 4,812 |
| Earnings coverage of net charge-offs (x) | 4.0721% | 3,082 |
| Efficiency ratio | 70.5448% | 4,062 |
| Assets per employee ($millions) | 3.5593% | 4,803 |
| Cash dividends to net income (ytd only)* | 33.3400% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4832% | 4,107 |
| Loan loss allowance to noncurrent loans | 144.9128% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 1.1538% | 4,705 |
| Noncurrent loans to loans | 1.0235% | 5,022 |
| Net loans and leases to total assets | 48.6987% | 6,309 |
| Net loans and leases to deposits | 55.1364% | 6,511 |
| Net loans and leases to core deposits | 58.8839% | 6,482 |
| Total domestic deposits to total assets | 88.3240% | 2,049 |
| Equity capital to assets | 8.0328% | 6,463 |
| Core capital (leverage) ratio | 7.2038% | 6,908 |
| Tier 1 risk-based capital ratio | 12.3844% | 5,128 |
| Total risk-based capital ratio | 13.6352% | 5,100 |
| Memoranda: | ||
| Average total assets | $469,064,200 | 1,425 |
| Average earning assets | $430,081,800 | 1,406 |
| Average equity | $39,603,000 | 1,668 |
| Average total loans | $248,922,600 | 1,768 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9459% | 5,055 |
| Cost of funding earning assets | 0.8703% | 6,505 |
| Net interest margin | 4.0757% | 2,736 |
| Noninterest income to average assets | 0.9198% | 1,727 |
| Noninterest expense to average assets | 3.2269% | 2,828 |
| Loan and lease loss provision to assets | 0.3445% | 3,857 |
| Net operating income to assets | 1.0739% | 1,991 |
| Return on assets (ROA) | 1.1527% | 1,826 |
| Pretax return on assets | 1.1759% | 2,580 |
| Return on Equity (ROE) | 13.4803% | 1,145 |
| Retained earnings to average equity (ytd only) | 9.4983% | 913 |
| Net charge-offs to loans | 0.0882% | 5,648 |
| Credit loss provision to net charge-offs | 722.8916% | 412 |
| Earnings coverage of net charge-offs (x) | 30.2166% | 878 |
| Efficiency ratio | 68.5101% | 4,372 |
| Assets per employee ($millions) | 3.5016% | 4,976 |
| Cash dividends to net income (ytd only)* | 29.5392% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8930% | 2,504 |
| Loan loss allowance to noncurrent loans | 78.7403% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 1.3823% | 4,399 |
| Noncurrent loans to loans | 2.4041% | 3,229 |
| Net loans and leases to total assets | 50.3764% | 6,283 |
| Net loans and leases to deposits | 57.6186% | 6,493 |
| Net loans and leases to core deposits | 62.0067% | 6,465 |
| Total domestic deposits to total assets | 87.4307% | 2,302 |
| Equity capital to assets | 9.0266% | 5,546 |
| Core capital (leverage) ratio | 7.2681% | 7,026 |
| Tier 1 risk-based capital ratio | 12.2131% | 5,256 |
| Total risk-based capital ratio | 13.4680% | 5,222 |
| Memoranda: | ||
| Average total assets | $464,424,500 | 1,456 |
| Average earning assets | $426,979,000 | 1,441 |
| Average equity | $39,711,250 | 1,678 |
| Average total loans | $250,893,000 | 1,780 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9862% | 5,000 |
| Cost of funding earning assets | 0.9068% | 6,551 |
| Net interest margin | 4.0795% | 2,658 |
| Noninterest income to average assets | 0.8978% | 1,695 |
| Noninterest expense to average assets | 3.2112% | 2,865 |
| Loan and lease loss provision to assets | 0.3919% | 3,371 |
| Net operating income to assets | 1.0270% | 2,094 |
| Return on assets (ROA) | 1.1465% | 1,770 |
| Pretax return on assets | 1.1700% | 2,517 |
| Return on Equity (ROE) | 13.6730% | 1,104 |
| Retained earnings to average equity (ytd only) | 9.4251% | 978 |
| Net charge-offs to loans | 0.0895% | 5,242 |
| Credit loss provision to net charge-offs | 796.4602% | 466 |
| Earnings coverage of net charge-offs (x) | 29.2655% | 937 |
| Efficiency ratio | 68.3954% | 4,496 |
| Assets per employee ($millions) | 3.4926% | 4,947 |
| Cash dividends to net income (ytd only)* | 31.0672% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7361% | 2,945 |
| Loan loss allowance to noncurrent loans | 63.2574% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 1.6431% | 3,970 |
| Noncurrent loans to loans | 2.7445% | 2,907 |
| Net loans and leases to total assets | 53.4079% | 6,060 |
| Net loans and leases to deposits | 60.7171% | 6,338 |
| Net loans and leases to core deposits | 65.3362% | 6,286 |
| Total domestic deposits to total assets | 87.9619% | 2,025 |
| Equity capital to assets | 8.4512% | 6,230 |
| Core capital (leverage) ratio | 7.2113% | 7,063 |
| Tier 1 risk-based capital ratio | 11.5291% | 5,744 |
| Total risk-based capital ratio | 12.7824% | 5,711 |
| Memoranda: | ||
| Average total assets | $459,324,330 | 1,487 |
| Average earning assets | $422,603,000 | 1,466 |
| Average equity | $38,514,000 | 1,729 |
| Average total loans | $252,413,670 | 1,795 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0863% | 4,597 |
| Cost of funding earning assets | 0.9322% | 6,649 |
| Net interest margin | 4.1541% | 2,207 |
| Noninterest income to average assets | 0.8167% | 1,941 |
| Noninterest expense to average assets | 3.1940% | 2,890 |
| Loan and lease loss provision to assets | 0.5275% | 2,393 |
| Net operating income to assets | 0.8964% | 2,554 |
| Return on assets (ROA) | 1.1376% | 1,790 |
| Pretax return on assets | 1.1614% | 2,507 |
| Return on Equity (ROE) | 13.6228% | 1,119 |
| Retained earnings to average equity (ytd only) | 8.9907% | 1,405 |
| Net charge-offs to loans | 0.1654% | 3,932 |
| Credit loss provision to net charge-offs | 576.9231% | 751 |
| Earnings coverage of net charge-offs (x) | 15.7788% | 1,363 |
| Efficiency ratio | 68.2404% | 4,678 |
| Assets per employee ($millions) | 3.4632% | 5,119 |
| Cash dividends to net income (ytd only)* | 34.0031% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6354% | 3,306 |
| Loan loss allowance to noncurrent loans | 204.1069% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.6018% | 6,008 |
| Noncurrent loans to loans | 0.8012% | 5,713 |
| Net loans and leases to total assets | 54.6887% | 5,931 |
| Net loans and leases to deposits | 62.2776% | 6,250 |
| Net loans and leases to core deposits | 67.9085% | 6,110 |
| Total domestic deposits to total assets | 87.8144% | 2,166 |
| Equity capital to assets | 8.4624% | 6,058 |
| Core capital (leverage) ratio | 7.1787% | 7,119 |
| Tier 1 risk-based capital ratio | 11.4768% | 5,696 |
| Total risk-based capital ratio | 12.7295% | 5,680 |
| Memoranda: | ||
| Average total assets | $454,984,500 | 1,544 |
| Average earning assets | $418,382,000 | 1,522 |
| Average equity | $37,995,000 | 1,774 |
| Average total loans | $251,437,000 | 1,856 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3262% | 5,053 |
| Cost of funding earning assets | 1.0803% | 7,031 |
| Net interest margin | 4.2459% | 1,909 |
| Noninterest income to average assets | 0.9847% | 1,628 |
| Noninterest expense to average assets | 3.4036% | 2,671 |
| Loan and lease loss provision to assets | 0.2888% | 5,120 |
| Net operating income to assets | 1.1717% | 1,322 |
| Return on assets (ROA) | 1.1844% | 1,333 |
| Pretax return on assets | 1.2093% | 1,927 |
| Return on Equity (ROE) | 14.0730% | 770 |
| Retained earnings to average equity (ytd only) | 9.8011% | 388 |
| Net charge-offs to loans | 0.2571% | 5,012 |
| Credit loss provision to net charge-offs | 205.2545% | 1,879 |
| Earnings coverage of net charge-offs (x) | 10.5550% | 1,673 |
| Efficiency ratio | 68.9683% | 4,832 |
| Assets per employee ($millions) | 3.5100% | 4,984 |
| Cash dividends to net income (ytd only)* | 30.3551% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4479% | 3,990 |
| Loan loss allowance to noncurrent loans | 183.0979% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.6513% | 5,837 |
| Noncurrent loans to loans | 0.7908% | 5,700 |
| Net loans and leases to total assets | 54.1342% | 6,182 |
| Net loans and leases to deposits | 61.6498% | 6,500 |
| Net loans and leases to core deposits | 75.7263% | 6,418 |
| Total domestic deposits to total assets | 87.8092% | 2,071 |
| Equity capital to assets | 8.2399% | 6,289 |
| Core capital (leverage) ratio | 7.0868% | 7,160 |
| Tier 1 risk-based capital ratio | 10.9697% | 5,939 |
| Total risk-based capital ratio | 12.2197% | 5,911 |
| Memoranda: | ||
| Average total assets | $432,803,200 | 1,600 |
| Average earning assets | $397,960,200 | 1,599 |
| Average equity | $36,424,400 | 1,849 |
| Average total loans | $236,883,200 | 1,980 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3743% | 5,070 |
| Cost of funding earning assets | 1.1109% | 7,155 |
| Net interest margin | 4.2634% | 1,829 |
| Noninterest income to average assets | 0.9488% | 1,785 |
| Noninterest expense to average assets | 3.4915% | 2,306 |
| Loan and lease loss provision to assets | 0.1405% | 5,952 |
| Net operating income to assets | 1.2146% | 1,429 |
| Return on assets (ROA) | 1.2317% | 1,455 |
| Pretax return on assets | 1.2570% | 2,087 |
| Return on Equity (ROE) | 14.5541% | 827 |
| Retained earnings to average equity (ytd only) | 10.1664% | 606 |
| Net charge-offs to loans | 0.2319% | 4,606 |
| Credit loss provision to net charge-offs | 110.8374% | 4,589 |
| Earnings coverage of net charge-offs (x) | 10.8842% | 1,906 |
| Efficiency ratio | 71.0110% | 4,420 |
| Assets per employee ($millions) | 3.3569% | 5,241 |
| Cash dividends to net income (ytd only)* | 30.1470% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2526% | 4,805 |
| Loan loss allowance to noncurrent loans | 815.3226% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.3657% | 6,572 |
| Noncurrent loans to loans | 0.1536% | 7,099 |
| Net loans and leases to total assets | 56.0836% | 6,131 |
| Net loans and leases to deposits | 64.6932% | 6,428 |
| Net loans and leases to core deposits | 78.2393% | 6,467 |
| Total domestic deposits to total assets | 86.6915% | 2,333 |
| Equity capital to assets | 9.0531% | 5,407 |
| Core capital (leverage) ratio | 7.1364% | 7,326 |
| Tier 1 risk-based capital ratio | 11.2066% | 5,742 |
| Total risk-based capital ratio | 12.3173% | 5,838 |
| Memoranda: | ||
| Average total assets | $426,930,500 | 1,639 |
| Average earning assets | $392,823,750 | 1,629 |
| Average equity | $36,131,000 | 1,882 |
| Average total loans | $233,444,000 | 2,031 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3703% | 5,296 |
| Cost of funding earning assets | 1.1336% | 7,290 |
| Net interest margin | 4.2366% | 1,856 |
| Noninterest income to average assets | 0.9468% | 1,769 |
| Noninterest expense to average assets | 3.4566% | 2,475 |
| Loan and lease loss provision to assets | 0.1405% | 5,670 |
| Net operating income to assets | 1.2200% | 1,424 |
| Return on assets (ROA) | 1.2296% | 1,483 |
| Pretax return on assets | 1.2549% | 2,145 |
| Return on Equity (ROE) | 14.8743% | 854 |
| Retained earnings to average equity (ytd only) | 10.1560% | 706 |
| Net charge-offs to loans | 0.2151% | 4,163 |
| Credit loss provision to net charge-offs | 120.9677% | 3,834 |
| Earnings coverage of net charge-offs (x) | 11.9315% | 1,861 |
| Efficiency ratio | 70.7185% | 4,639 |
| Assets per employee ($millions) | 3.2908% | 5,347 |
| Cash dividends to net income (ytd only)* | 31.7212% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2767% | 4,414 |
| Loan loss allowance to noncurrent loans | 319.0976% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.4667% | 6,277 |
| Noncurrent loans to loans | 0.4001% | 6,508 |
| Net loans and leases to total assets | 55.3955% | 6,285 |
| Net loans and leases to deposits | 63.2808% | 6,636 |
| Net loans and leases to core deposits | 75.4077% | 6,711 |
| Total domestic deposits to total assets | 87.5393% | 2,002 |
| Equity capital to assets | 8.1461% | 6,565 |
| Core capital (leverage) ratio | 6.8726% | 7,617 |
| Tier 1 risk-based capital ratio | 10.8151% | 6,063 |
| Total risk-based capital ratio | 11.9274% | 6,140 |
| Memoranda: | ||
| Average total assets | $427,130,670 | 1,665 |
| Average earning assets | $392,719,000 | 1,654 |
| Average equity | $35,309,330 | 1,924 |
| Average total loans | $230,547,330 | 2,078 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3548% | 5,636 |
| Cost of funding earning assets | 1.1596% | 7,393 |
| Net interest margin | 4.1952% | 1,915 |
| Noninterest income to average assets | 0.8832% | 1,918 |
| Noninterest expense to average assets | 3.2144% | 2,926 |
| Loan and lease loss provision to assets | 0.1400% | 5,159 |
| Net operating income to assets | 1.3579% | 1,240 |
| Return on assets (ROA) | 1.3771% | 1,279 |
| Pretax return on assets | 1.4023% | 1,961 |
| Return on Equity (ROE) | 16.5389% | 750 |
| Retained earnings to average equity (ytd only) | 11.3137% | 919 |
| Net charge-offs to loans | 0.3070% | 2,880 |
| Credit loss provision to net charge-offs | 86.2069% | 4,081 |
| Earnings coverage of net charge-offs (x) | 9.3736% | 2,068 |
| Efficiency ratio | 67.8557% | 4,990 |
| Assets per employee ($millions) | 3.4019% | 5,070 |
| Cash dividends to net income (ytd only)* | 31.5932% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2824% | 4,177 |
| Loan loss allowance to noncurrent loans | 926.5625% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.3060% | 6,604 |
| Noncurrent loans to loans | 0.1384% | 7,128 |
| Net loans and leases to total assets | 52.0115% | 6,681 |
| Net loans and leases to deposits | 59.0394% | 6,975 |
| Net loans and leases to core deposits | 69.1231% | 7,074 |
| Total domestic deposits to total assets | 88.0963% | 1,699 |
| Equity capital to assets | 8.3332% | 6,341 |
| Core capital (leverage) ratio | 6.8232% | 7,751 |
| Tier 1 risk-based capital ratio | 10.6058% | 6,287 |
| Total risk-based capital ratio | 11.7012% | 6,356 |
| Memoranda: | ||
| Average total assets | $428,441,500 | 1,662 |
| Average earning assets | $393,593,000 | 1,661 |
| Average equity | $35,673,500 | 1,918 |
| Average total loans | $226,721,000 | 2,124 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7857% | 6,482 |
| Cost of funding earning assets | 1.7574% | 7,118 |
| Net interest margin | 4.0283% | 2,991 |
| Noninterest income to average assets | 1.0747% | 1,365 |
| Noninterest expense to average assets | 3.4153% | 2,628 |
| Loan and lease loss provision to assets | 0.3190% | 3,824 |
| Net operating income to assets | 0.9831% | 2,618 |
| Return on assets (ROA) | 1.0442% | 2,274 |
| Pretax return on assets | 1.0719% | 3,131 |
| Return on Equity (ROE) | 12.7213% | 1,401 |
| Retained earnings to average equity (ytd only) | -15.2680% | 7,477 |
| Net charge-offs to loans | 0.1882% | 4,305 |
| Credit loss provision to net charge-offs | 337.3984% | 1,343 |
| Earnings coverage of net charge-offs (x) | 14.0461% | 2,080 |
| Efficiency ratio | 72.0050% | 3,935 |
| Assets per employee ($millions) | 3.2406% | 5,358 |
| Cash dividends to net income (ytd only)* | 220.0196% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 3,503 |
| Loan loss allowance to noncurrent loans | 136.5464% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.7081% | 5,109 |
| Noncurrent loans to loans | 0.9850% | 4,623 |
| Net loans and leases to total assets | 52.4445% | 6,806 |
| Net loans and leases to deposits | 58.2960% | 7,190 |
| Net loans and leases to core deposits | 68.0895% | 7,282 |
| Total domestic deposits to total assets | 89.9624% | 658 |
| Equity capital to assets | 8.3191% | 6,393 |
| Core capital (leverage) ratio | 6.7358% | 7,845 |
| Tier 1 risk-based capital ratio | 10.5127% | 6,198 |
| Total risk-based capital ratio | 11.5667% | 6,277 |
| Memoranda: | ||
| Average total assets | $390,331,400 | 1,737 |
| Average earning assets | $355,461,800 | 1,742 |
| Average equity | $32,040,800 | 2,112 |
| Average total loans | $196,081,800 | 2,341 |