Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 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 | 3.5305% | 2,747 |
| Cost of funding earning assets | 0.2699% | 2,900 |
| Net interest margin | 3.2606% | 2,544 |
| Noninterest income to average assets | 0.6594% | 1,975 |
| Noninterest expense to average assets | 2.2264% | 2,988 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5509% | 1,144 |
| Return on assets (ROA) | 1.5572% | 1,175 |
| Pretax return on assets | 1.5445% | 1,866 |
| Return on Equity (ROE) | 16.9929% | 762 |
| Retained earnings to average equity (ytd only) | 1.9080% | 4,216 |
| Net charge-offs to loans | -0.2289% | 4,784 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1405% | 3,107 |
| Assets per employee ($millions) | 5.1353% | 3,565 |
| Cash dividends to net income (ytd only)* | 88.7716% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0298% | 148 |
| Loan loss allowance to noncurrent loans | 2,261.4232% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 3,621 |
| Noncurrent loans to loans | 0.1340% | 3,437 |
| Net loans and leases to total assets | 53.0030% | 3,081 |
| Net loans and leases to deposits | 64.5051% | 2,797 |
| Net loans and leases to core deposits | 69.4472% | 2,642 |
| Total domestic deposits to total assets | 82.1687% | 3,900 |
| Equity capital to assets | 9.0328% | 3,802 |
| Core capital (leverage) ratio | 9.0687% | 3,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $356,864,500 | 2,183 |
| Average earning assets | $339,850,250 | 2,149 |
| Average equity | $32,703,000 | 2,431 |
| Average total loans | $196,877,500 | 2,291 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5944% | 2,639 |
| Cost of funding earning assets | 0.2829% | 2,945 |
| Net interest margin | 3.3115% | 2,405 |
| Noninterest income to average assets | 0.6599% | 1,969 |
| Noninterest expense to average assets | 2.2163% | 3,032 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5480% | 1,173 |
| Return on assets (ROA) | 1.5524% | 1,220 |
| Pretax return on assets | 1.5931% | 1,747 |
| Return on Equity (ROE) | 16.8577% | 807 |
| Retained earnings to average equity (ytd only) | 3.3715% | 3,726 |
| Net charge-offs to loans | -0.1112% | 4,650 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2493% | 3,251 |
| Assets per employee ($millions) | 5.3109% | 3,338 |
| Cash dividends to net income (ytd only)* | 80.0000% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9660% | 158 |
| Loan loss allowance to noncurrent loans | 1,826.7296% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 3,617 |
| Noncurrent loans to loans | 0.1624% | 3,400 |
| Net loans and leases to total assets | 52.6242% | 3,286 |
| Net loans and leases to deposits | 63.8261% | 3,022 |
| Net loans and leases to core deposits | 68.5557% | 2,908 |
| Total domestic deposits to total assets | 82.4494% | 3,828 |
| Equity capital to assets | 9.0705% | 3,736 |
| Core capital (leverage) ratio | 9.2378% | 3,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $354,284,000 | 2,182 |
| Average earning assets | $336,465,333 | 2,157 |
| Average equity | $32,626,000 | 2,424 |
| Average total loans | $196,073,333 | 2,302 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7355% | 2,270 |
| Cost of funding earning assets | 0.3017% | 2,978 |
| Net interest margin | 3.4338% | 2,007 |
| Noninterest income to average assets | 0.6920% | 1,891 |
| Noninterest expense to average assets | 2.2220% | 3,039 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7568% | 847 |
| Return on assets (ROA) | 1.7568% | 898 |
| Pretax return on assets | 1.7272% | 1,433 |
| Return on Equity (ROE) | 18.9309% | 629 |
| Retained earnings to average equity (ytd only) | 4.7665% | 3,293 |
| Net charge-offs to loans | -0.1753% | 4,766 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2644% | 3,516 |
| Assets per employee ($millions) | 4.9279% | 3,736 |
| Cash dividends to net income (ytd only)* | 74.8215% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0085% | 147 |
| Loan loss allowance to noncurrent loans | 2,922.2222% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 3,968 |
| Noncurrent loans to loans | 0.1030% | 3,792 |
| Net loans and leases to total assets | 54.0759% | 3,232 |
| Net loans and leases to deposits | 65.9785% | 2,918 |
| Net loans and leases to core deposits | 70.6069% | 2,820 |
| Total domestic deposits to total assets | 81.9599% | 3,902 |
| Equity capital to assets | 9.4569% | 3,242 |
| Core capital (leverage) ratio | 9.4164% | 3,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $350,857,000 | 2,185 |
| Average earning assets | $332,808,000 | 2,163 |
| Average equity | $32,560,500 | 2,415 |
| Average total loans | $196,182,500 | 2,308 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4074% | 1,571 |
| Cost of funding earning assets | 0.4585% | 3,232 |
| Net interest margin | 3.9490% | 1,091 |
| Noninterest income to average assets | 1.0117% | 1,026 |
| Noninterest expense to average assets | 2.5158% | 2,798 |
| Loan and lease loss provision to assets | 0.1537% | 2,453 |
| Net operating income to assets | 2.0502% | 242 |
| Return on assets (ROA) | 2.0502% | 258 |
| Pretax return on assets | 2.0908% | 366 |
| Return on Equity (ROE) | 21.7107% | 167 |
| Retained earnings to average equity (ytd only) | 9.6691% | 648 |
| Net charge-offs to loans | 0.2176% | 802 |
| Credit loss provision to net charge-offs | 111.8568% | 2,709 |
| Earnings coverage of net charge-offs (x) | 16.3378% | 2,140 |
| Efficiency ratio | 52.8504% | 4,321 |
| Assets per employee ($millions) | 5.0966% | 3,286 |
| Cash dividends to net income (ytd only)* | 55.4639% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8494% | 170 |
| Loan loss allowance to noncurrent loans | 2,864.3216% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 4,062 |
| Noncurrent loans to loans | 0.0995% | 3,896 |
| Net loans and leases to total assets | 54.4742% | 3,449 |
| Net loans and leases to deposits | 65.5661% | 3,313 |
| Net loans and leases to core deposits | 70.8876% | 3,182 |
| Total domestic deposits to total assets | 83.0827% | 3,388 |
| Equity capital to assets | 9.1095% | 3,965 |
| Core capital (leverage) ratio | 9.2172% | 3,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $325,379,800 | 2,161 |
| Average earning assets | $308,864,000 | 2,126 |
| Average equity | $30,726,800 | 2,447 |
| Average total loans | $205,389,200 | 2,193 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6695% | 1,136 |
| Cost of funding earning assets | 0.4967% | 3,242 |
| Net interest margin | 4.1728% | 776 |
| Noninterest income to average assets | 1.1408% | 808 |
| Noninterest expense to average assets | 2.5391% | 2,723 |
| Loan and lease loss provision to assets | 0.2101% | 1,911 |
| Net operating income to assets | 2.3216% | 173 |
| Return on assets (ROA) | 2.3195% | 180 |
| Pretax return on assets | 2.3547% | 257 |
| Return on Equity (ROE) | 24.3205% | 129 |
| Retained earnings to average equity (ytd only) | 8.0305% | 1,297 |
| Net charge-offs to loans | 0.4025% | 394 |
| Credit loss provision to net charge-offs | 80.1282% | 2,759 |
| Earnings coverage of net charge-offs (x) | 9.7965% | 2,405 |
| Efficiency ratio | 49.7286% | 4,511 |
| Assets per employee ($millions) | 4.7122% | 3,585 |
| Cash dividends to net income (ytd only)* | 66.9804% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5838% | 207 |
| Loan loss allowance to noncurrent loans | 1,243.9189% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.1327% | 3,761 |
| Noncurrent loans to loans | 0.2077% | 3,551 |
| Net loans and leases to total assets | 62.2395% | 2,979 |
| Net loans and leases to deposits | 75.7796% | 2,771 |
| Net loans and leases to core deposits | 80.7569% | 2,777 |
| Total domestic deposits to total assets | 82.1322% | 3,388 |
| Equity capital to assets | 9.4052% | 3,765 |
| Core capital (leverage) ratio | 9.0539% | 3,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $317,534,750 | 2,183 |
| Average earning assets | $301,724,500 | 2,140 |
| Average equity | $30,283,750 | 2,455 |
| Average total loans | $206,726,000 | 2,184 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8237% | 1,110 |
| Cost of funding earning assets | 0.5375% | 3,303 |
| Net interest margin | 4.2862% | 776 |
| Noninterest income to average assets | 0.5887% | 2,173 |
| Noninterest expense to average assets | 2.5383% | 2,860 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.0683% | 285 |
| Return on assets (ROA) | 2.0093% | 365 |
| Pretax return on assets | 2.0606% | 486 |
| Return on Equity (ROE) | 20.9640% | 203 |
| Retained earnings to average equity (ytd only) | 12.9344% | 363 |
| Net charge-offs to loans | -0.1390% | 4,900 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4804% | 4,118 |
| Assets per employee ($millions) | 4.7732% | 3,440 |
| Cash dividends to net income (ytd only)* | 38.3019% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7876% | 166 |
| Loan loss allowance to noncurrent loans | 4,135.0000% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 4,328 |
| Noncurrent loans to loans | 0.0674% | 4,195 |
| Net loans and leases to total assets | 60.4203% | 3,278 |
| Net loans and leases to deposits | 70.0479% | 3,416 |
| Net loans and leases to core deposits | 74.6715% | 3,405 |
| Total domestic deposits to total assets | 86.2557% | 1,909 |
| Equity capital to assets | 9.4681% | 3,686 |
| Core capital (leverage) ratio | 9.4277% | 3,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $311,856,667 | 2,188 |
| Average earning assets | $296,163,000 | 2,149 |
| Average equity | $29,889,333 | 2,473 |
| Average total loans | $204,382,333 | 2,184 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0236% | 918 |
| Cost of funding earning assets | 0.5784% | 3,541 |
| Net interest margin | 4.4452% | 571 |
| Noninterest income to average assets | 0.6451% | 1,847 |
| Noninterest expense to average assets | 2.6456% | 2,847 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.1771% | 190 |
| Return on assets (ROA) | 1.9034% | 369 |
| Pretax return on assets | 1.9420% | 519 |
| Return on Equity (ROE) | 19.7267% | 173 |
| Retained earnings to average equity (ytd only) | 3.1844% | 3,005 |
| Net charge-offs to loans | -0.2644% | 4,970 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3591% | 4,372 |
| Assets per employee ($millions) | 4.2267% | 3,619 |
| Cash dividends to net income (ytd only)* | 83.8574% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8599% | 171 |
| Loan loss allowance to noncurrent loans | 526.0237% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.4292% | 2,756 |
| Noncurrent loans to loans | 0.5437% | 2,635 |
| Net loans and leases to total assets | 65.4316% | 2,883 |
| Net loans and leases to deposits | 74.1389% | 3,259 |
| Net loans and leases to core deposits | 79.6929% | 3,225 |
| Total domestic deposits to total assets | 88.2554% | 996 |
| Equity capital to assets | 9.6753% | 4,063 |
| Core capital (leverage) ratio | 9.8686% | 3,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8938% | 2,758 |
| Memoranda: | ||
| Average total assets | $300,723,500 | 2,205 |
| Average earning assets | $285,610,500 | 2,164 |
| Average equity | $29,016,500 | 2,511 |
| Average total loans | $202,740,000 | 2,166 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1287% | 1,155 |
| Cost of funding earning assets | 0.6604% | 3,357 |
| Net interest margin | 4.4684% | 768 |
| Noninterest income to average assets | 0.7584% | 1,594 |
| Noninterest expense to average assets | 2.8128% | 2,558 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.1289% | 257 |
| Return on assets (ROA) | 2.1390% | 267 |
| Pretax return on assets | 2.2037% | 383 |
| Return on Equity (ROE) | 20.9777% | 164 |
| Retained earnings to average equity (ytd only) | -11.0812% | 5,076 |
| Net charge-offs to loans | -0.2401% | 5,073 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1887% | 4,181 |
| Assets per employee ($millions) | 4.3674% | 3,417 |
| Cash dividends to net income (ytd only)* | 152.8239% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7771% | 154 |
| Loan loss allowance to noncurrent loans | 1,067.4858% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.2386% | 3,488 |
| Noncurrent loans to loans | 0.2602% | 3,513 |
| Net loans and leases to total assets | 65.6027% | 3,002 |
| Net loans and leases to deposits | 73.0440% | 3,434 |
| Net loans and leases to core deposits | 81.8044% | 3,144 |
| Total domestic deposits to total assets | 89.8126% | 388 |
| Equity capital to assets | 9.6226% | 4,249 |
| Core capital (leverage) ratio | 9.1695% | 4,380 |
| Tier 1 risk-based capital ratio | 11.4606% | 4,649 |
| Total risk-based capital ratio | 12.7229% | 4,520 |
| Memoranda: | ||
| Average total assets | $295,508,000 | 2,183 |
| Average earning assets | $280,909,000 | 2,141 |
| Average equity | $30,132,000 | 2,388 |
| Average total loans | $207,794,400 | 2,107 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1939% | 1,054 |
| Cost of funding earning assets | 0.6440% | 3,483 |
| Net interest margin | 4.5499% | 688 |
| Noninterest income to average assets | 0.7114% | 1,735 |
| Noninterest expense to average assets | 2.9128% | 2,219 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.0621% | 350 |
| Return on assets (ROA) | 2.0595% | 366 |
| Pretax return on assets | 2.1207% | 524 |
| Return on Equity (ROE) | 19.9104% | 252 |
| Retained earnings to average equity (ytd only) | -15.5969% | 5,185 |
| Net charge-offs to loans | -0.2910% | 5,147 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8374% | 3,962 |
| Assets per employee ($millions) | 4.5908% | 3,065 |
| Cash dividends to net income (ytd only)* | 178.3355% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7091% | 175 |
| Loan loss allowance to noncurrent loans | 5,048.6486% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 4,225 |
| Noncurrent loans to loans | 0.0537% | 4,402 |
| Net loans and leases to total assets | 64.4697% | 3,242 |
| Net loans and leases to deposits | 71.5489% | 3,636 |
| Net loans and leases to core deposits | 85.0959% | 2,979 |
| Total domestic deposits to total assets | 90.1058% | 261 |
| Equity capital to assets | 9.2436% | 4,638 |
| Core capital (leverage) ratio | 9.5694% | 4,093 |
| Tier 1 risk-based capital ratio | 11.6467% | 4,592 |
| Total risk-based capital ratio | 12.9092% | 4,496 |
| Memoranda: | ||
| Average total assets | $294,047,000 | 2,207 |
| Average earning assets | $279,502,750 | 2,164 |
| Average equity | $30,415,500 | 2,379 |
| Average total loans | $208,907,500 | 2,112 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2172% | 948 |
| Cost of funding earning assets | 0.6103% | 3,598 |
| Net interest margin | 4.6069% | 608 |
| Noninterest income to average assets | 0.7146% | 1,658 |
| Noninterest expense to average assets | 2.9118% | 2,253 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.1102% | 316 |
| Return on assets (ROA) | 2.1048% | 334 |
| Pretax return on assets | 2.1687% | 477 |
| Return on Equity (ROE) | 19.5957% | 279 |
| Retained earnings to average equity (ytd only) | -23.7205% | 5,258 |
| Net charge-offs to loans | -0.0229% | 4,592 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2501% | 4,100 |
| Assets per employee ($millions) | 4.1523% | 3,640 |
| Cash dividends to net income (ytd only)* | 221.0492% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4672% | 230 |
| Loan loss allowance to noncurrent loans | 14,366.6667% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0784% | 4,370 |
| Noncurrent loans to loans | 0.0172% | 4,639 |
| Net loans and leases to total assets | 70.3438% | 2,480 |
| Net loans and leases to deposits | 78.6339% | 3,099 |
| Net loans and leases to core deposits | 84.1288% | 3,096 |
| Total domestic deposits to total assets | 89.4574% | 489 |
| Equity capital to assets | 9.8071% | 4,132 |
| Core capital (leverage) ratio | 9.7478% | 3,886 |
| Tier 1 risk-based capital ratio | 11.2381% | 4,814 |
| Total risk-based capital ratio | 12.4978% | 4,700 |
| Memoranda: | ||
| Average total assets | $288,005,000 | 2,249 |
| Average earning assets | $273,286,000 | 2,209 |
| Average equity | $30,935,330 | 2,359 |
| Average total loans | $209,589,670 | 2,112 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2348% | 847 |
| Cost of funding earning assets | 0.6498% | 3,325 |
| Net interest margin | 4.5850% | 631 |
| Noninterest income to average assets | 0.8399% | 1,191 |
| Noninterest expense to average assets | 2.8395% | 2,444 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.2579% | 241 |
| Return on assets (ROA) | 2.2422% | 262 |
| Pretax return on assets | 2.3672% | 316 |
| Return on Equity (ROE) | 19.4213% | 297 |
| Retained earnings to average equity (ytd only) | 1.9103% | 4,090 |
| Net charge-offs to loans | 0.0213% | 2,027 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 144.1111% | 518 |
| Efficiency ratio | 54.3631% | 4,503 |
| Assets per employee ($millions) | 4.5224% | 3,155 |
| Cash dividends to net income (ytd only)* | 90.1639% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3168% | 297 |
| Loan loss allowance to noncurrent loans | 4,944.3038% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.1013% | 4,308 |
| Noncurrent loans to loans | 0.0469% | 4,552 |
| Net loans and leases to total assets | 75.8666% | 1,510 |
| Net loans and leases to deposits | 86.2269% | 2,104 |
| Net loans and leases to core deposits | 91.5748% | 2,342 |
| Total domestic deposits to total assets | 87.9849% | 1,344 |
| Equity capital to assets | 11.6346% | 2,286 |
| Core capital (leverage) ratio | 11.6636% | 2,014 |
| Tier 1 risk-based capital ratio | 12.8271% | 3,965 |
| Total risk-based capital ratio | 14.0863% | 3,859 |
| Memoranda: | ||
| Average total assets | $217,645,000 | 2,740 |
| Average earning assets | $208,070,500 | 2,685 |
| Average equity | $25,127,000 | 2,703 |
| Average total loans | $169,225,500 | 2,484 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2646% | 623 |
| Cost of funding earning assets | 0.5547% | 3,019 |
| Net interest margin | 4.7099% | 475 |
| Noninterest income to average assets | 0.8608% | 1,288 |
| Noninterest expense to average assets | 2.6827% | 3,083 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.6015% | 124 |
| Return on assets (ROA) | 2.6053% | 123 |
| Pretax return on assets | 2.6831% | 148 |
| Return on Equity (ROE) | 23.7147% | 110 |
| Retained earnings to average equity (ytd only) | 1.1791% | 4,658 |
| Net charge-offs to loans | -0.0692% | 5,059 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0330% | 4,941 |
| Assets per employee ($millions) | 4.5461% | 3,097 |
| Cash dividends to net income (ytd only)* | 95.0280% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3049% | 284 |
| Loan loss allowance to noncurrent loans | 10,875.0000% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.1824% | 3,898 |
| Noncurrent loans to loans | 0.0212% | 4,691 |
| Net loans and leases to total assets | 76.0454% | 1,605 |
| Net loans and leases to deposits | 86.2027% | 2,245 |
| Net loans and leases to core deposits | 92.3876% | 2,377 |
| Total domestic deposits to total assets | 88.2170% | 1,206 |
| Equity capital to assets | 11.4558% | 2,285 |
| Core capital (leverage) ratio | 11.0974% | 2,438 |
| Tier 1 risk-based capital ratio | 12.9677% | 3,859 |
| Total risk-based capital ratio | 14.2272% | 3,743 |
| Memoranda: | ||
| Average total assets | $226,191,800 | 2,641 |
| Average earning assets | $216,160,400 | 2,591 |
| Average equity | $24,849,600 | 2,652 |
| Average total loans | $174,897,600 | 2,381 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1939% | 638 |
| Cost of funding earning assets | 0.5309% | 2,990 |
| Net interest margin | 4.6630% | 510 |
| Noninterest income to average assets | 0.8320% | 1,372 |
| Noninterest expense to average assets | 2.7030% | 2,970 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.5144% | 159 |
| Return on assets (ROA) | 2.5207% | 157 |
| Pretax return on assets | 2.5955% | 197 |
| Return on Equity (ROE) | 23.1813% | 124 |
| Retained earnings to average equity (ytd only) | 0.6126% | 4,929 |
| Net charge-offs to loans | -0.1007% | 5,164 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0765% | 4,876 |
| Assets per employee ($millions) | 4.6397% | 2,930 |
| Cash dividends to net income (ytd only)* | 97.3574% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2655% | 318 |
| Loan loss allowance to noncurrent loans | 10,908.3333% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.2108% | 3,892 |
| Noncurrent loans to loans | 0.0208% | 4,817 |
| Net loans and leases to total assets | 73.0261% | 2,160 |
| Net loans and leases to deposits | 82.8456% | 2,727 |
| Net loans and leases to core deposits | 88.9572% | 2,751 |
| Total domestic deposits to total assets | 88.1472% | 1,177 |
| Equity capital to assets | 10.6859% | 2,948 |
| Core capital (leverage) ratio | 11.0462% | 2,536 |
| Tier 1 risk-based capital ratio | 12.4133% | 4,244 |
| Total risk-based capital ratio | 13.6718% | 4,128 |
| Memoranda: | ||
| Average total assets | $228,186,500 | 2,638 |
| Average earning assets | $218,250,750 | 2,591 |
| Average equity | $24,812,500 | 2,672 |
| Average total loans | $176,158,000 | 2,377 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9096% | 998 |
| Cost of funding earning assets | 0.5161% | 2,891 |
| Net interest margin | 4.3935% | 859 |
| Noninterest income to average assets | 0.8056% | 1,460 |
| Noninterest expense to average assets | 2.7032% | 3,005 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.2091% | 254 |
| Return on assets (ROA) | 2.2184% | 236 |
| Pretax return on assets | 2.3136% | 316 |
| Return on Equity (ROE) | 20.2820% | 248 |
| Retained earnings to average equity (ytd only) | 2.5544% | 4,239 |
| Net charge-offs to loans | -0.1231% | 5,216 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9870% | 4,693 |
| Assets per employee ($millions) | 4.4990% | 3,131 |
| Cash dividends to net income (ytd only)* | 87.4056% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2845% | 325 |
| Loan loss allowance to noncurrent loans | 10,007.6923% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.3175% | 3,500 |
| Noncurrent loans to loans | 0.0228% | 4,827 |
| Net loans and leases to total assets | 75.7279% | 1,680 |
| Net loans and leases to deposits | 86.6674% | 2,250 |
| Net loans and leases to core deposits | 96.0436% | 2,054 |
| Total domestic deposits to total assets | 87.3777% | 1,693 |
| Equity capital to assets | 11.3182% | 2,347 |
| Core capital (leverage) ratio | 11.2640% | 2,290 |
| Tier 1 risk-based capital ratio | 12.7009% | 4,060 |
| Total risk-based capital ratio | 13.9599% | 3,965 |
| Memoranda: | ||
| Average total assets | $226,919,670 | 2,663 |
| Average earning assets | $217,002,000 | 2,610 |
| Average equity | $24,820,000 | 2,680 |
| Average total loans | $177,098,000 | 2,380 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9199% | 834 |
| Cost of funding earning assets | 0.4998% | 2,798 |
| Net interest margin | 4.4201% | 733 |
| Noninterest income to average assets | 0.8151% | 1,401 |
| Noninterest expense to average assets | 2.7894% | 2,732 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.1386% | 270 |
| Return on assets (ROA) | 2.1551% | 267 |
| Pretax return on assets | 2.2698% | 339 |
| Return on Equity (ROE) | 20.0368% | 243 |
| Retained earnings to average equity (ytd only) | 2.2622% | 4,262 |
| Net charge-offs to loans | -0.1909% | 5,371 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3257% | 4,662 |
| Assets per employee ($millions) | 4.5434% | 3,088 |
| Cash dividends to net income (ytd only)* | 88.7097% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2066% | 383 |
| Loan loss allowance to noncurrent loans | 12,933.3333% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.3059% | 3,620 |
| Noncurrent loans to loans | 0.0171% | 4,916 |
| Net loans and leases to total assets | 75.6935% | 1,585 |
| Net loans and leases to deposits | 86.1160% | 2,152 |
| Net loans and leases to core deposits | 98.4772% | 1,805 |
| Total domestic deposits to total assets | 87.8972% | 1,681 |
| Equity capital to assets | 10.8989% | 2,682 |
| Core capital (leverage) ratio | 10.7247% | 2,713 |
| Tier 1 risk-based capital ratio | 12.2523% | 4,404 |
| Total risk-based capital ratio | 13.5103% | 4,294 |
| Memoranda: | ||
| Average total assets | $230,154,000 | 2,664 |
| Average earning assets | $220,088,000 | 2,612 |
| Average equity | $24,754,500 | 2,705 |
| Average total loans | $180,224,000 | 2,360 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0207% | 620 |
| Cost of funding earning assets | 0.4980% | 2,346 |
| Net interest margin | 4.5227% | 587 |
| Noninterest income to average assets | 0.8231% | 1,487 |
| Noninterest expense to average assets | 2.4690% | 3,882 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.6152% | 104 |
| Return on assets (ROA) | 2.6152% | 104 |
| Pretax return on assets | 2.6866% | 140 |
| Return on Equity (ROE) | 25.1567% | 68 |
| Retained earnings to average equity (ytd only) | 1.1747% | 4,559 |
| Net charge-offs to loans | -0.2979% | 5,566 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8895% | 5,321 |
| Assets per employee ($millions) | 4.3174% | 3,457 |
| Cash dividends to net income (ytd only)* | 95.3304% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0551% | 484 |
| Loan loss allowance to noncurrent loans | 21,077.7778% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.2942% | 3,709 |
| Noncurrent loans to loans | 0.0098% | 4,999 |
| Net loans and leases to total assets | 77.5596% | 1,343 |
| Net loans and leases to deposits | 90.1288% | 1,760 |
| Net loans and leases to core deposits | 101.9830% | 1,554 |
| Total domestic deposits to total assets | 86.0542% | 2,407 |
| Equity capital to assets | 10.6160% | 3,031 |
| Core capital (leverage) ratio | 10.5150% | 2,833 |
| Tier 1 risk-based capital ratio | 12.1180% | 4,448 |
| Total risk-based capital ratio | 13.3757% | 4,340 |
| Memoranda: | ||
| Average total assets | $236,653,400 | 2,594 |
| Average earning assets | $226,701,000 | 2,533 |
| Average equity | $24,601,800 | 2,702 |
| Average total loans | $178,926,000 | 2,339 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6696% | 1,201 |
| Cost of funding earning assets | 0.4896% | 2,358 |
| Net interest margin | 4.1801% | 1,204 |
| Noninterest income to average assets | 0.8560% | 1,408 |
| Noninterest expense to average assets | 2.4513% | 3,882 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.3581% | 165 |
| Return on assets (ROA) | 2.3581% | 167 |
| Pretax return on assets | 2.4114% | 249 |
| Return on Equity (ROE) | 22.8017% | 110 |
| Retained earnings to average equity (ytd only) | 0.5482% | 5,096 |
| Net charge-offs to loans | -0.2208% | 5,563 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4098% | 5,219 |
| Assets per employee ($millions) | 4.6135% | 2,954 |
| Cash dividends to net income (ytd only)* | 97.5959% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9835% | 589 |
| Loan loss allowance to noncurrent loans | 3,146.0177% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.3332% | 3,717 |
| Noncurrent loans to loans | 0.0630% | 4,829 |
| Net loans and leases to total assets | 74.6621% | 1,812 |
| Net loans and leases to deposits | 89.7457% | 1,838 |
| Net loans and leases to core deposits | 107.5256% | 1,169 |
| Total domestic deposits to total assets | 83.1929% | 3,397 |
| Equity capital to assets | 10.4901% | 3,388 |
| Core capital (leverage) ratio | 10.2070% | 3,306 |
| Tier 1 risk-based capital ratio | 11.0461% | 5,220 |
| Total risk-based capital ratio | 12.3005% | 5,109 |
| Memoranda: | ||
| Average total assets | $237,532,250 | 2,601 |
| Average earning assets | $227,678,250 | 2,538 |
| Average equity | $24,564,750 | 2,727 |
| Average total loans | $177,503,750 | 2,365 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5578% | 1,370 |
| Cost of funding earning assets | 0.4771% | 2,352 |
| Net interest margin | 4.0806% | 1,380 |
| Noninterest income to average assets | 0.8973% | 1,279 |
| Noninterest expense to average assets | 2.4660% | 3,863 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.2780% | 188 |
| Return on assets (ROA) | 2.2780% | 186 |
| Pretax return on assets | 2.3435% | 274 |
| Return on Equity (ROE) | 22.1319% | 133 |
| Retained earnings to average equity (ytd only) | 1.7451% | 4,549 |
| Net charge-offs to loans | -0.3052% | 5,644 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2740% | 5,224 |
| Assets per employee ($millions) | 4.5083% | 3,090 |
| Cash dividends to net income (ytd only)* | 92.1150% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0331% | 569 |
| Loan loss allowance to noncurrent loans | 658.7687% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.5072% | 3,072 |
| Noncurrent loans to loans | 0.3086% | 3,935 |
| Net loans and leases to total assets | 71.2080% | 2,334 |
| Net loans and leases to deposits | 81.6462% | 2,732 |
| Net loans and leases to core deposits | 101.4060% | 1,561 |
| Total domestic deposits to total assets | 87.2153% | 1,850 |
| Equity capital to assets | 10.3477% | 3,517 |
| Core capital (leverage) ratio | 10.2976% | 3,148 |
| Tier 1 risk-based capital ratio | 12.0033% | 4,628 |
| Total risk-based capital ratio | 13.2590% | 4,512 |
| Memoranda: | ||
| Average total assets | $238,280,330 | 2,607 |
| Average earning assets | $228,444,000 | 2,543 |
| Average equity | $24,525,670 | 2,733 |
| Average total loans | $176,929,670 | 2,369 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6220% | 1,087 |
| Cost of funding earning assets | 0.4771% | 2,275 |
| Net interest margin | 4.1449% | 1,112 |
| Noninterest income to average assets | 0.8909% | 1,273 |
| Noninterest expense to average assets | 2.5787% | 3,562 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.2122% | 222 |
| Return on assets (ROA) | 2.2122% | 226 |
| Pretax return on assets | 2.2845% | 311 |
| Return on Equity (ROE) | 21.5508% | 165 |
| Retained earnings to average equity (ytd only) | 0.2620% | 4,852 |
| Net charge-offs to loans | -0.5511% | 5,750 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0245% | 5,203 |
| Assets per employee ($millions) | 4.6533% | 2,918 |
| Cash dividends to net income (ytd only)* | 98.7842% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9650% | 714 |
| Loan loss allowance to noncurrent loans | 548.8263% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.5549% | 3,013 |
| Noncurrent loans to loans | 0.3580% | 3,807 |
| Net loans and leases to total assets | 73.7278% | 1,787 |
| Net loans and leases to deposits | 85.6969% | 2,062 |
| Net loans and leases to core deposits | 106.6019% | 1,059 |
| Total domestic deposits to total assets | 86.0331% | 2,651 |
| Equity capital to assets | 10.3186% | 3,389 |
| Core capital (leverage) ratio | 10.1746% | 3,274 |
| Tier 1 risk-based capital ratio | 11.8780% | 4,791 |
| Total risk-based capital ratio | 13.1336% | 4,693 |
| Memoranda: | ||
| Average total assets | $237,950,000 | 2,636 |
| Average earning assets | $228,038,000 | 2,567 |
| Average equity | $24,426,000 | 2,758 |
| Average total loans | $178,556,500 | 2,375 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6607% | 1,142 |
| Cost of funding earning assets | 0.4571% | 2,475 |
| Net interest margin | 4.2036% | 1,105 |
| Noninterest income to average assets | 0.7954% | 1,758 |
| Noninterest expense to average assets | 2.4889% | 4,051 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.2727% | 208 |
| Return on assets (ROA) | 2.2727% | 219 |
| Pretax return on assets | 2.3292% | 259 |
| Return on Equity (ROE) | 22.6458% | 130 |
| Retained earnings to average equity (ytd only) | 0.6081% | 5,086 |
| Net charge-offs to loans | 0.1460% | 1,805 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 22.8394% | 1,714 |
| Efficiency ratio | 51.6576% | 5,405 |
| Assets per employee ($millions) | 4.5015% | 3,115 |
| Cash dividends to net income (ytd only)* | 97.3148% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8255% | 906 |
| Loan loss allowance to noncurrent loans | 574.1197% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.5235% | 3,170 |
| Noncurrent loans to loans | 0.3180% | 4,009 |
| Net loans and leases to total assets | 73.5075% | 1,930 |
| Net loans and leases to deposits | 85.1848% | 2,279 |
| Net loans and leases to core deposits | 105.2406% | 1,178 |
| Total domestic deposits to total assets | 86.2919% | 2,462 |
| Equity capital to assets | 10.2120% | 3,479 |
| Core capital (leverage) ratio | 10.0229% | 3,461 |
| Tier 1 risk-based capital ratio | 11.6556% | 4,952 |
| Total risk-based capital ratio | 12.9095% | 4,856 |
| Memoranda: | ||
| Average total assets | $244,159,600 | 2,553 |
| Average earning assets | $233,654,800 | 2,484 |
| Average equity | $24,503,400 | 2,759 |
| Average total loans | $170,549,800 | 2,410 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6319% | 1,231 |
| Cost of funding earning assets | 0.4535% | 2,526 |
| Net interest margin | 4.1784% | 1,183 |
| Noninterest income to average assets | 0.8074% | 1,735 |
| Noninterest expense to average assets | 2.5536% | 3,815 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.2001% | 246 |
| Return on assets (ROA) | 2.2001% | 258 |
| Pretax return on assets | 2.2506% | 343 |
| Return on Equity (ROE) | 22.0168% | 159 |
| Retained earnings to average equity (ytd only) | -0.8042% | 5,477 |
| Net charge-offs to loans | 0.2017% | 1,160 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 16.2550% | 2,125 |
| Efficiency ratio | 53.1533% | 5,296 |
| Assets per employee ($millions) | 4.8939% | 2,502 |
| Cash dividends to net income (ytd only)* | 103.6525% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8914% | 867 |
| Loan loss allowance to noncurrent loans | 194.1527% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.9649% | 2,143 |
| Noncurrent loans to loans | 0.9742% | 2,293 |
| Net loans and leases to total assets | 68.9784% | 2,645 |
| Net loans and leases to deposits | 78.2480% | 3,161 |
| Net loans and leases to core deposits | 100.4487% | 1,590 |
| Total domestic deposits to total assets | 88.1535% | 1,322 |
| Equity capital to assets | 9.9658% | 4,162 |
| Core capital (leverage) ratio | 9.7202% | 3,911 |
| Tier 1 risk-based capital ratio | 11.9900% | 4,793 |
| Total risk-based capital ratio | 13.2445% | 4,694 |
| Memoranda: | ||
| Average total assets | $245,554,250 | 2,551 |
| Average earning assets | $234,884,750 | 2,482 |
| Average equity | $24,538,250 | 2,778 |
| Average total loans | $168,528,250 | 2,431 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6634% | 1,137 |
| Cost of funding earning assets | 0.4497% | 2,570 |
| Net interest margin | 4.2138% | 1,090 |
| Noninterest income to average assets | 0.8062% | 1,686 |
| Noninterest expense to average assets | 2.3902% | 4,364 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.3877% | 174 |
| Return on assets (ROA) | 2.3877% | 182 |
| Pretax return on assets | 2.4414% | 239 |
| Return on Equity (ROE) | 23.8725% | 110 |
| Retained earnings to average equity (ytd only) | 4.3515% | 3,146 |
| Net charge-offs to loans | 0.3239% | 728 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 11.0738% | 2,285 |
| Efficiency ratio | 49.4696% | 5,593 |
| Assets per employee ($millions) | 4.5580% | 2,927 |
| Cash dividends to net income (ytd only)* | 81.7717% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9886% | 757 |
| Loan loss allowance to noncurrent loans | 208.0283% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.9121% | 2,334 |
| Noncurrent loans to loans | 0.9559% | 2,369 |
| Net loans and leases to total assets | 64.8583% | 3,243 |
| Net loans and leases to deposits | 73.8035% | 3,613 |
| Net loans and leases to core deposits | 91.5135% | 2,387 |
| Total domestic deposits to total assets | 87.8797% | 1,490 |
| Equity capital to assets | 10.1888% | 3,992 |
| Core capital (leverage) ratio | 10.2104% | 3,324 |
| Tier 1 risk-based capital ratio | 12.6709% | 4,403 |
| Total risk-based capital ratio | 13.9258% | 4,309 |
| Memoranda: | ||
| Average total assets | $245,840,000 | 2,566 |
| Average earning assets | $234,847,670 | 2,499 |
| Average equity | $24,589,000 | 2,778 |
| Average total loans | $167,357,000 | 2,445 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2750% | 2,223 |
| Cost of funding earning assets | 0.4424% | 2,663 |
| Net interest margin | 3.8326% | 2,166 |
| Noninterest income to average assets | 0.7733% | 1,717 |
| Noninterest expense to average assets | 2.4925% | 4,093 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.8771% | 416 |
| Return on assets (ROA) | 1.8771% | 442 |
| Pretax return on assets | 1.9341% | 651 |
| Return on Equity (ROE) | 18.9447% | 301 |
| Retained earnings to average equity (ytd only) | -0.7722% | 5,248 |
| Net charge-offs to loans | 0.7076% | 300 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 3.9600% | 2,482 |
| Efficiency ratio | 56.3075% | 5,168 |
| Assets per employee ($millions) | 4.7345% | 2,693 |
| Cash dividends to net income (ytd only)* | 104.0763% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9108% | 954 |
| Loan loss allowance to noncurrent loans | 168.0272% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 1.1890% | 1,842 |
| Noncurrent loans to loans | 1.1372% | 2,126 |
| Net loans and leases to total assets | 68.2660% | 2,614 |
| Net loans and leases to deposits | 77.5703% | 3,047 |
| Net loans and leases to core deposits | 96.2703% | 1,767 |
| Total domestic deposits to total assets | 88.0053% | 1,637 |
| Equity capital to assets | 10.1008% | 3,949 |
| Core capital (leverage) ratio | 10.0611% | 3,458 |
| Tier 1 risk-based capital ratio | 12.1378% | 4,820 |
| Total risk-based capital ratio | 13.3919% | 4,723 |
| Memoranda: | ||
| Average total assets | $245,694,000 | 2,573 |
| Average earning assets | $234,200,500 | 2,514 |
| Average equity | $24,344,500 | 2,804 |
| Average total loans | $169,597,500 | 2,408 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7072% | 1,089 |
| Cost of funding earning assets | 0.4448% | 2,687 |
| Net interest margin | 4.2624% | 1,037 |
| Noninterest income to average assets | 0.7484% | 1,993 |
| Noninterest expense to average assets | 2.2399% | 4,948 |
| Loan and lease loss provision to assets | 0.0796% | 2,690 |
| Net operating income to assets | 2.4626% | 159 |
| Return on assets (ROA) | 2.4684% | 162 |
| Pretax return on assets | 2.5202% | 197 |
| Return on Equity (ROE) | 25.6651% | 92 |
| Retained earnings to average equity (ytd only) | 1.6597% | 4,779 |
| Net charge-offs to loans | 0.0373% | 3,474 |
| Credit loss provision to net charge-offs | 298.5075% | 994 |
| Earnings coverage of net charge-offs (x) | 97.2537% | 588 |
| Efficiency ratio | 46.3395% | 5,911 |
| Assets per employee ($millions) | 5.6803% | 1,630 |
| Cash dividends to net income (ytd only)* | 93.5333% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0508% | 741 |
| Loan loss allowance to noncurrent loans | 306.0157% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.7370% | 2,850 |
| Noncurrent loans to loans | 0.6702% | 3,184 |
| Net loans and leases to total assets | 67.0749% | 2,846 |
| Net loans and leases to deposits | 75.8114% | 3,276 |
| Net loans and leases to core deposits | 89.9241% | 2,410 |
| Total domestic deposits to total assets | 88.4760% | 1,394 |
| Equity capital to assets | 9.7227% | 4,270 |
| Core capital (leverage) ratio | 9.6310% | 4,003 |
| Tier 1 risk-based capital ratio | 12.0524% | 4,916 |
| Total risk-based capital ratio | 13.3082% | 4,815 |
| Memoranda: | ||
| Average total assets | $251,211,600 | 2,493 |
| Average earning assets | $240,781,600 | 2,418 |
| Average equity | $24,161,200 | 2,770 |
| Average total loans | $179,488,800 | 2,248 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5645% | 1,424 |
| Cost of funding earning assets | 0.4446% | 2,739 |
| Net interest margin | 4.1199% | 1,355 |
| Noninterest income to average assets | 0.7612% | 1,978 |
| Noninterest expense to average assets | 2.2454% | 4,923 |
| Loan and lease loss provision to assets | 0.1060% | 2,099 |
| Net operating income to assets | 2.3171% | 210 |
| Return on assets (ROA) | 2.3222% | 217 |
| Pretax return on assets | 2.3742% | 296 |
| Return on Equity (ROE) | 24.2107% | 126 |
| Retained earnings to average equity (ytd only) | 1.5529% | 5,088 |
| Net charge-offs to loans | 0.0786% | 2,425 |
| Credit loss provision to net charge-offs | 186.9159% | 1,418 |
| Earnings coverage of net charge-offs (x) | 43.6365% | 1,156 |
| Efficiency ratio | 47.5688% | 5,892 |
| Assets per employee ($millions) | 5.4881% | 1,796 |
| Cash dividends to net income (ytd only)* | 93.5859% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0155% | 894 |
| Loan loss allowance to noncurrent loans | 284.6596% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.7566% | 3,007 |
| Noncurrent loans to loans | 0.7080% | 3,209 |
| Net loans and leases to total assets | 66.8227% | 2,876 |
| Net loans and leases to deposits | 75.4454% | 3,377 |
| Net loans and leases to core deposits | 91.0345% | 2,353 |
| Total domestic deposits to total assets | 88.5709% | 1,260 |
| Equity capital to assets | 9.6216% | 4,610 |
| Core capital (leverage) ratio | 9.4331% | 4,388 |
| Tier 1 risk-based capital ratio | 11.8835% | 5,148 |
| Total risk-based capital ratio | 13.1392% | 5,068 |
| Memoranda: | ||
| Average total assets | $251,531,750 | 2,515 |
| Average earning assets | $241,714,250 | 2,422 |
| Average equity | $24,126,500 | 2,793 |
| Average total loans | $181,573,250 | 2,232 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5741% | 1,339 |
| Cost of funding earning assets | 0.4465% | 2,772 |
| Net interest margin | 4.1276% | 1,283 |
| Noninterest income to average assets | 0.7603% | 1,950 |
| Noninterest expense to average assets | 2.2569% | 4,957 |
| Loan and lease loss provision to assets | 0.1592% | 1,334 |
| Net operating income to assets | 2.2450% | 236 |
| Return on assets (ROA) | 2.2450% | 250 |
| Pretax return on assets | 2.3039% | 338 |
| Return on Equity (ROE) | 23.4297% | 151 |
| Retained earnings to average equity (ytd only) | 1.8278% | 4,784 |
| Net charge-offs to loans | 0.1115% | 1,886 |
| Credit loss provision to net charge-offs | 194.1748% | 1,266 |
| Earnings coverage of net charge-offs (x) | 30.0388% | 1,365 |
| Efficiency ratio | 47.8158% | 5,972 |
| Assets per employee ($millions) | 4.8474% | 2,472 |
| Cash dividends to net income (ytd only)* | 92.1986% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9153% | 1,133 |
| Loan loss allowance to noncurrent loans | 128.7143% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 1.3663% | 1,835 |
| Noncurrent loans to loans | 1.4880% | 1,785 |
| Net loans and leases to total assets | 70.5807% | 2,226 |
| Net loans and leases to deposits | 79.7238% | 2,827 |
| Net loans and leases to core deposits | 96.1437% | 1,785 |
| Total domestic deposits to total assets | 88.5316% | 1,392 |
| Equity capital to assets | 9.5622% | 4,580 |
| Core capital (leverage) ratio | 9.6582% | 4,062 |
| Tier 1 risk-based capital ratio | 11.8254% | 5,264 |
| Total risk-based capital ratio | 13.0807% | 5,157 |
| Memoranda: | ||
| Average total assets | $251,224,670 | 2,542 |
| Average earning assets | $241,009,670 | 2,452 |
| Average equity | $24,072,000 | 2,805 |
| Average total loans | $184,709,000 | 2,225 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7451% | 955 |
| Cost of funding earning assets | 0.4479% | 2,786 |
| Net interest margin | 4.2972% | 882 |
| Noninterest income to average assets | 0.7671% | 1,837 |
| Noninterest expense to average assets | 2.1052% | 5,369 |
| Loan and lease loss provision to assets | 0.2392% | 710 |
| Net operating income to assets | 2.4720% | 165 |
| Return on assets (ROA) | 2.4720% | 176 |
| Pretax return on assets | 2.5390% | 227 |
| Return on Equity (ROE) | 25.7727% | 97 |
| Retained earnings to average equity (ytd only) | 2.4941% | 4,436 |
| Net charge-offs to loans | 0.1095% | 1,647 |
| Credit loss provision to net charge-offs | 294.1176% | 825 |
| Earnings coverage of net charge-offs (x) | 34.1569% | 1,067 |
| Efficiency ratio | 43.1091% | 6,207 |
| Assets per employee ($millions) | 5.2984% | 1,995 |
| Cash dividends to net income (ytd only)* | 90.3226% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8624% | 1,364 |
| Loan loss allowance to noncurrent loans | 147.2258% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 1.2501% | 2,135 |
| Noncurrent loans to loans | 1.2650% | 2,262 |
| Net loans and leases to total assets | 73.5511% | 1,566 |
| Net loans and leases to deposits | 83.1763% | 2,185 |
| Net loans and leases to core deposits | 100.7619% | 1,271 |
| Total domestic deposits to total assets | 88.4280% | 1,584 |
| Equity capital to assets | 9.7051% | 4,500 |
| Core capital (leverage) ratio | 9.6408% | 4,099 |
| Tier 1 risk-based capital ratio | 11.6379% | 5,475 |
| Total risk-based capital ratio | 12.8930% | 5,380 |
| Memoranda: | ||
| Average total assets | $250,804,000 | 2,552 |
| Average earning assets | $240,250,000 | 2,465 |
| Average equity | $24,056,500 | 2,822 |
| Average total loans | $186,371,500 | 2,221 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6214% | 1,494 |
| Cost of funding earning assets | 0.4567% | 3,106 |
| Net interest margin | 4.1647% | 1,398 |
| Noninterest income to average assets | 0.7274% | 2,173 |
| Noninterest expense to average assets | 2.2537% | 5,227 |
| Loan and lease loss provision to assets | -0.1199% | 6,180 |
| Net operating income to assets | 2.5168% | 139 |
| Return on assets (ROA) | 2.5211% | 140 |
| Pretax return on assets | 2.5671% | 167 |
| Return on Equity (ROE) | 27.2970% | 78 |
| Retained earnings to average equity (ytd only) | 6.5257% | 1,626 |
| Net charge-offs to loans | -0.3314% | 6,344 |
| Credit loss provision to net charge-offs | 49.6689% | 3,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9874% | 6,186 |
| Assets per employee ($millions) | 5.3741% | 1,887 |
| Cash dividends to net income (ytd only)* | 76.0938% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8145% | 1,503 |
| Loan loss allowance to noncurrent loans | 138.6289% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 1.2649% | 2,228 |
| Noncurrent loans to loans | 1.3089% | 2,254 |
| Net loans and leases to total assets | 72.3442% | 1,852 |
| Net loans and leases to deposits | 81.5268% | 2,536 |
| Net loans and leases to core deposits | 99.9202% | 1,398 |
| Total domestic deposits to total assets | 88.7368% | 1,397 |
| Equity capital to assets | 9.4800% | 4,743 |
| Core capital (leverage) ratio | 9.0376% | 4,935 |
| Tier 1 risk-based capital ratio | 11.3219% | 5,754 |
| Total risk-based capital ratio | 12.5764% | 5,678 |
| Memoranda: | ||
| Average total assets | $250,208,400 | 2,524 |
| Average earning assets | $238,453,800 | 2,439 |
| Average equity | $23,108,800 | 2,837 |
| Average total loans | $182,245,000 | 2,207 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6047% | 1,548 |
| Cost of funding earning assets | 0.4504% | 3,242 |
| Net interest margin | 4.1543% | 1,415 |
| Noninterest income to average assets | 0.7104% | 2,277 |
| Noninterest expense to average assets | 2.2578% | 5,206 |
| Loan and lease loss provision to assets | -0.2404% | 6,416 |
| Net operating income to assets | 2.6050% | 123 |
| Return on assets (ROA) | 2.6066% | 125 |
| Pretax return on assets | 2.6504% | 168 |
| Return on Equity (ROE) | 28.4130% | 70 |
| Retained earnings to average equity (ytd only) | 7.4526% | 1,593 |
| Net charge-offs to loans | -0.4486% | 6,446 |
| Credit loss provision to net charge-offs | 73.7705% | 2,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3860% | 6,182 |
| Assets per employee ($millions) | 5.2346% | 1,975 |
| Cash dividends to net income (ytd only)* | 73.7705% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6929% | 1,993 |
| Loan loss allowance to noncurrent loans | 134.2466% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 1.1664% | 2,615 |
| Noncurrent loans to loans | 1.2610% | 2,535 |
| Net loans and leases to total assets | 68.9954% | 2,365 |
| Net loans and leases to deposits | 79.5476% | 2,764 |
| Net loans and leases to core deposits | 96.7229% | 1,614 |
| Total domestic deposits to total assets | 86.7347% | 2,456 |
| Equity capital to assets | 8.7348% | 5,616 |
| Core capital (leverage) ratio | 8.7142% | 5,419 |
| Tier 1 risk-based capital ratio | 10.7462% | 6,113 |
| Total risk-based capital ratio | 11.9992% | 6,063 |
| Memoranda: | ||
| Average total assets | $249,614,500 | 2,543 |
| Average earning assets | $237,694,250 | 2,462 |
| Average equity | $22,899,750 | 2,869 |
| Average total loans | $181,279,500 | 2,229 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5240% | 1,751 |
| Cost of funding earning assets | 0.4450% | 3,387 |
| Net interest margin | 4.0790% | 1,578 |
| Noninterest income to average assets | 0.7006% | 2,277 |
| Noninterest expense to average assets | 2.2612% | 5,249 |
| Loan and lease loss provision to assets | -0.4957% | 6,591 |
| Net operating income to assets | 2.7610% | 107 |
| Return on assets (ROA) | 2.7602% | 110 |
| Pretax return on assets | 2.8040% | 141 |
| Return on Equity (ROE) | 29.5563% | 61 |
| Retained earnings to average equity (ytd only) | 6.5553% | 2,004 |
| Net charge-offs to loans | -0.7999% | 6,559 |
| Credit loss provision to net charge-offs | 84.2697% | 2,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4758% | 6,202 |
| Assets per employee ($millions) | 4.9390% | 2,290 |
| Cash dividends to net income (ytd only)* | 77.8210% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6249% | 2,374 |
| Loan loss allowance to noncurrent loans | 463.7555% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.5685% | 4,282 |
| Noncurrent loans to loans | 0.3504% | 4,954 |
| Net loans and leases to total assets | 75.1018% | 1,293 |
| Net loans and leases to deposits | 93.5100% | 1,004 |
| Net loans and leases to core deposits | 117.5871% | 436 |
| Total domestic deposits to total assets | 80.3142% | 5,174 |
| Equity capital to assets | 9.0301% | 5,264 |
| Core capital (leverage) ratio | 9.7250% | 4,004 |
| Tier 1 risk-based capital ratio | 10.3772% | 6,288 |
| Total risk-based capital ratio | 11.6296% | 6,248 |
| Memoranda: | ||
| Average total assets | $242,086,670 | 2,618 |
| Average earning assets | $229,662,000 | 2,549 |
| Average equity | $22,607,670 | 2,887 |
| Average total loans | $178,026,670 | 2,256 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5973% | 1,512 |
| Cost of funding earning assets | 0.4622% | 3,288 |
| Net interest margin | 4.1350% | 1,375 |
| Noninterest income to average assets | 0.6442% | 2,493 |
| Noninterest expense to average assets | 2.2598% | 5,303 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.2479% | 217 |
| Return on assets (ROA) | 2.2495% | 227 |
| Pretax return on assets | 2.3041% | 306 |
| Return on Equity (ROE) | 23.6607% | 155 |
| Retained earnings to average equity (ytd only) | 5.7359% | 2,675 |
| Net charge-offs to loans | -0.2059% | 6,392 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5331% | 6,283 |
| Assets per employee ($millions) | 4.5865% | 2,833 |
| Cash dividends to net income (ytd only)* | 75.7576% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8823% | 1,806 |
| Loan loss allowance to noncurrent loans | 434.6630% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.6468% | 4,198 |
| Noncurrent loans to loans | 0.4331% | 4,848 |
| Net loans and leases to total assets | 70.4188% | 1,813 |
| Net loans and leases to deposits | 80.0856% | 2,280 |
| Net loans and leases to core deposits | 100.1965% | 1,094 |
| Total domestic deposits to total assets | 87.9295% | 2,269 |
| Equity capital to assets | 9.6473% | 4,296 |
| Core capital (leverage) ratio | 9.6230% | 4,105 |
| Tier 1 risk-based capital ratio | 11.7166% | 5,806 |
| Total risk-based capital ratio | 12.9716% | 5,743 |
| Memoranda: | ||
| Average total assets | $234,715,000 | 2,694 |
| Average earning assets | $222,392,500 | 2,631 |
| Average equity | $22,315,500 | 2,915 |
| Average total loans | $169,005,000 | 2,355 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8050% | 1,300 |
| Cost of funding earning assets | 0.4957% | 3,657 |
| Net interest margin | 4.3093% | 1,085 |
| Noninterest income to average assets | 0.9076% | 1,654 |
| Noninterest expense to average assets | 2.4510% | 4,927 |
| Loan and lease loss provision to assets | -0.1071% | 6,492 |
| Net operating income to assets | 2.5782% | 156 |
| Return on assets (ROA) | 2.5941% | 158 |
| Pretax return on assets | 2.6404% | 172 |
| Return on Equity (ROE) | 28.3834% | 83 |
| Retained earnings to average equity (ytd only) | 8.2234% | 978 |
| Net charge-offs to loans | -0.1923% | 6,608 |
| Credit loss provision to net charge-offs | 81.6993% | 2,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3359% | 6,428 |
| Assets per employee ($millions) | 4.6181% | 2,698 |
| Cash dividends to net income (ytd only)* | 71.0274% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8062% | 2,049 |
| Loan loss allowance to noncurrent loans | 247.0257% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.8781% | 3,697 |
| Noncurrent loans to loans | 0.7312% | 4,131 |
| Net loans and leases to total assets | 70.9325% | 1,851 |
| Net loans and leases to deposits | 81.1212% | 2,309 |
| Net loans and leases to core deposits | 101.2466% | 1,075 |
| Total domestic deposits to total assets | 87.4402% | 2,503 |
| Equity capital to assets | 9.3686% | 4,588 |
| Core capital (leverage) ratio | 9.5438% | 4,196 |
| Tier 1 risk-based capital ratio | 11.3358% | 6,005 |
| Total risk-based capital ratio | 12.5896% | 5,933 |
| Memoranda: | ||
| Average total assets | $233,371,400 | 2,687 |
| Average earning assets | $219,897,000 | 2,619 |
| Average equity | $21,329,400 | 2,997 |
| Average total loans | $159,140,400 | 2,435 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7106% | 1,568 |
| Cost of funding earning assets | 0.5042% | 3,731 |
| Net interest margin | 4.2064% | 1,310 |
| Noninterest income to average assets | 0.9414% | 1,627 |
| Noninterest expense to average assets | 2.4961% | 4,734 |
| Loan and lease loss provision to assets | -0.1432% | 6,667 |
| Net operating income to assets | 2.4971% | 172 |
| Return on assets (ROA) | 2.5185% | 176 |
| Pretax return on assets | 2.5654% | 230 |
| Return on Equity (ROE) | 27.7310% | 89 |
| Retained earnings to average equity (ytd only) | 6.9233% | 1,918 |
| Net charge-offs to loans | -0.2992% | 6,725 |
| Credit loss provision to net charge-offs | 71.2251% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9765% | 6,334 |
| Assets per employee ($millions) | 4.7206% | 2,543 |
| Cash dividends to net income (ytd only)* | 75.0341% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9438% | 1,873 |
| Loan loss allowance to noncurrent loans | 392.6952% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.6885% | 4,388 |
| Noncurrent loans to loans | 0.4950% | 4,960 |
| Net loans and leases to total assets | 66.6405% | 2,535 |
| Net loans and leases to deposits | 76.0233% | 2,964 |
| Net loans and leases to core deposits | 85.3277% | 2,487 |
| Total domestic deposits to total assets | 87.6580% | 2,319 |
| Equity capital to assets | 9.1127% | 5,037 |
| Core capital (leverage) ratio | 9.3233% | 4,664 |
| Tier 1 risk-based capital ratio | 11.8011% | 5,900 |
| Total risk-based capital ratio | 13.0566% | 5,849 |
| Memoranda: | ||
| Average total assets | $232,834,000 | 2,705 |
| Average earning assets | $218,933,250 | 2,641 |
| Average equity | $21,145,500 | 3,057 |
| Average total loans | $156,392,000 | 2,477 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6357% | 1,737 |
| Cost of funding earning assets | 0.5074% | 3,833 |
| Net interest margin | 4.1282% | 1,471 |
| Noninterest income to average assets | 1.0649% | 1,352 |
| Noninterest expense to average assets | 2.2436% | 5,514 |
| Loan and lease loss provision to assets | 0.1294% | 2,703 |
| Net operating income to assets | 2.5246% | 164 |
| Return on assets (ROA) | 2.5491% | 174 |
| Pretax return on assets | 2.5992% | 249 |
| Return on Equity (ROE) | 28.1008% | 87 |
| Retained earnings to average equity (ytd only) | 10.0265% | 835 |
| Net charge-offs to loans | -0.6050% | 6,838 |
| Credit loss provision to net charge-offs | -31.9829% | 5,512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3515% | 6,669 |
| Assets per employee ($millions) | 4.5804% | 2,675 |
| Cash dividends to net income (ytd only)* | 64.3196% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2760% | 1,296 |
| Loan loss allowance to noncurrent loans | 442.3358% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.7432% | 4,353 |
| Noncurrent loans to loans | 0.5145% | 4,982 |
| Net loans and leases to total assets | 68.1687% | 2,199 |
| Net loans and leases to deposits | 78.1894% | 2,545 |
| Net loans and leases to core deposits | 87.9668% | 2,113 |
| Total domestic deposits to total assets | 87.1841% | 2,716 |
| Equity capital to assets | 9.3180% | 4,835 |
| Core capital (leverage) ratio | 9.3711% | 4,431 |
| Tier 1 risk-based capital ratio | 11.6931% | 6,003 |
| Total risk-based capital ratio | 12.9523% | 5,946 |
| Memoranda: | ||
| Average total assets | $231,768,000 | 2,724 |
| Average earning assets | $217,962,670 | 2,664 |
| Average equity | $21,024,330 | 3,091 |
| Average total loans | $155,052,330 | 2,503 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5138% | 2,118 |
| Cost of funding earning assets | 0.5097% | 3,977 |
| Net interest margin | 4.0042% | 1,762 |
| Noninterest income to average assets | 0.8887% | 1,794 |
| Noninterest expense to average assets | 2.1686% | 5,766 |
| Loan and lease loss provision to assets | 0.2574% | 1,384 |
| Net operating income to assets | 2.1687% | 259 |
| Return on assets (ROA) | 2.1704% | 281 |
| Pretax return on assets | 2.2115% | 410 |
| Return on Equity (ROE) | 24.2494% | 135 |
| Retained earnings to average equity (ytd only) | 6.9969% | 2,150 |
| Net charge-offs to loans | -1.0268% | 6,929 |
| Credit loss provision to net charge-offs | -38.2653% | 5,028 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7802% | 6,660 |
| Assets per employee ($millions) | 4.5270% | 2,922 |
| Cash dividends to net income (ytd only)* | 71.1462% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3477% | 1,338 |
| Loan loss allowance to noncurrent loans | 388.2225% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.9490% | 4,028 |
| Noncurrent loans to loans | 0.6047% | 4,929 |
| Net loans and leases to total assets | 65.4189% | 2,474 |
| Net loans and leases to deposits | 74.9852% | 2,774 |
| Net loans and leases to core deposits | 83.2361% | 2,429 |
| Total domestic deposits to total assets | 87.2424% | 2,799 |
| Equity capital to assets | 9.2997% | 5,130 |
| Core capital (leverage) ratio | 8.9621% | 4,946 |
| Tier 1 risk-based capital ratio | 11.9103% | 5,970 |
| Total risk-based capital ratio | 13.1699% | 5,933 |
| Memoranda: | ||
| Average total assets | $233,142,000 | 2,743 |
| Average earning assets | $218,173,500 | 2,690 |
| Average equity | $20,866,500 | 3,149 |
| Average total loans | $152,700,500 | 2,544 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8176% | 2,126 |
| Cost of funding earning assets | 0.6048% | 4,300 |
| Net interest margin | 4.2128% | 1,626 |
| Noninterest income to average assets | 1.0292% | 1,455 |
| Noninterest expense to average assets | 2.3755% | 5,479 |
| Loan and lease loss provision to assets | 0.3790% | 1,726 |
| Net operating income to assets | 2.1882% | 259 |
| Return on assets (ROA) | 2.1904% | 281 |
| Pretax return on assets | 2.2372% | 377 |
| Return on Equity (ROE) | 24.4497% | 139 |
| Retained earnings to average equity (ytd only) | 4.5395% | 3,028 |
| Net charge-offs to loans | 0.4976% | 2,248 |
| Credit loss provision to net charge-offs | 111.5486% | 2,617 |
| Earnings coverage of net charge-offs (x) | 7.6929% | 2,549 |
| Efficiency ratio | 47.6093% | 6,726 |
| Assets per employee ($millions) | 4.9986% | 2,231 |
| Cash dividends to net income (ytd only)* | 81.4332% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9621% | 2,126 |
| Loan loss allowance to noncurrent loans | 171.4205% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 1.2516% | 3,556 |
| Noncurrent loans to loans | 1.1446% | 3,935 |
| Net loans and leases to total assets | 62.8291% | 3,090 |
| Net loans and leases to deposits | 71.6291% | 3,474 |
| Net loans and leases to core deposits | 77.6158% | 3,313 |
| Total domestic deposits to total assets | 87.7144% | 2,403 |
| Equity capital to assets | 8.6204% | 5,946 |
| Core capital (leverage) ratio | 9.0950% | 4,746 |
| Tier 1 risk-based capital ratio | 11.6482% | 6,001 |
| Total risk-based capital ratio | 12.9040% | 5,956 |
| Memoranda: | ||
| Average total assets | $224,250,600 | 2,794 |
| Average earning assets | $210,810,800 | 2,721 |
| Average equity | $20,090,200 | 3,195 |
| Average total loans | $153,142,000 | 2,529 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0307% | 1,606 |
| Cost of funding earning assets | 0.6344% | 4,320 |
| Net interest margin | 4.3963% | 1,206 |
| Noninterest income to average assets | 1.0681% | 1,322 |
| Noninterest expense to average assets | 2.4272% | 5,317 |
| Loan and lease loss provision to assets | 0.4236% | 1,501 |
| Net operating income to assets | 2.3134% | 237 |
| Return on assets (ROA) | 2.3128% | 257 |
| Pretax return on assets | 2.3600% | 365 |
| Return on Equity (ROE) | 25.5535% | 133 |
| Retained earnings to average equity (ytd only) | 4.8272% | 3,487 |
| Net charge-offs to loans | 0.6554% | 1,667 |
| Credit loss provision to net charge-offs | 93.0851% | 3,208 |
| Earnings coverage of net charge-offs (x) | 6.1184% | 2,848 |
| Efficiency ratio | 46.5745% | 6,793 |
| Assets per employee ($millions) | 4.7534% | 2,527 |
| Cash dividends to net income (ytd only)* | 81.1094% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9805% | 2,222 |
| Loan loss allowance to noncurrent loans | 1,005.9441% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.6938% | 4,948 |
| Noncurrent loans to loans | 0.1969% | 6,117 |
| Net loans and leases to total assets | 62.4064% | 3,312 |
| Net loans and leases to deposits | 72.0126% | 3,610 |
| Net loans and leases to core deposits | 77.3653% | 3,558 |
| Total domestic deposits to total assets | 86.6603% | 2,879 |
| Equity capital to assets | 8.9915% | 5,833 |
| Core capital (leverage) ratio | 8.8029% | 5,345 |
| Tier 1 risk-based capital ratio | 12.2745% | 5,792 |
| Total risk-based capital ratio | 13.5305% | 5,757 |
| Memoranda: | ||
| Average total assets | $220,330,250 | 2,853 |
| Average earning assets | $207,655,000 | 2,794 |
| Average equity | $19,942,000 | 3,248 |
| Average total loans | $152,986,500 | 2,559 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1816% | 1,308 |
| Cost of funding earning assets | 0.6637% | 4,335 |
| Net interest margin | 4.5179% | 962 |
| Noninterest income to average assets | 0.9994% | 1,468 |
| Noninterest expense to average assets | 2.4371% | 5,335 |
| Loan and lease loss provision to assets | 0.5512% | 1,115 |
| Net operating income to assets | 2.2148% | 278 |
| Return on assets (ROA) | 2.2139% | 316 |
| Pretax return on assets | 2.2625% | 445 |
| Return on Equity (ROE) | 24.4038% | 166 |
| Retained earnings to average equity (ytd only) | 3.1391% | 4,535 |
| Net charge-offs to loans | 0.3073% | 2,801 |
| Credit loss provision to net charge-offs | 251.0460% | 1,144 |
| Earnings coverage of net charge-offs (x) | 12.8201% | 1,845 |
| Efficiency ratio | 46.4055% | 6,866 |
| Assets per employee ($millions) | 4.5468% | 2,819 |
| Cash dividends to net income (ytd only)* | 87.1369% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1397% | 1,910 |
| Loan loss allowance to noncurrent loans | 940.0000% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.8788% | 4,620 |
| Noncurrent loans to loans | 0.2276% | 6,123 |
| Net loans and leases to total assets | 68.9444% | 2,109 |
| Net loans and leases to deposits | 80.2837% | 2,344 |
| Net loans and leases to core deposits | 85.2770% | 2,520 |
| Total domestic deposits to total assets | 85.8759% | 3,417 |
| Equity capital to assets | 9.1508% | 5,523 |
| Core capital (leverage) ratio | 9.0830% | 4,790 |
| Tier 1 risk-based capital ratio | 11.3938% | 6,284 |
| Total risk-based capital ratio | 12.6457% | 6,257 |
| Memoranda: | ||
| Average total assets | $217,720,000 | 2,891 |
| Average earning assets | $204,918,330 | 2,821 |
| Average equity | $19,751,000 | 3,257 |
| Average total loans | $155,560,670 | 2,524 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8793% | 2,324 |
| Cost of funding earning assets | 0.7023% | 4,261 |
| Net interest margin | 4.1770% | 1,827 |
| Noninterest income to average assets | 0.9124% | 1,694 |
| Noninterest expense to average assets | 2.3784% | 5,544 |
| Loan and lease loss provision to assets | 0.5518% | 1,064 |
| Net operating income to assets | 1.8683% | 520 |
| Return on assets (ROA) | 1.8505% | 611 |
| Pretax return on assets | 1.9020% | 873 |
| Return on Equity (ROE) | 20.4878% | 356 |
| Retained earnings to average equity (ytd only) | 2.1587% | 5,183 |
| Net charge-offs to loans | 0.4346% | 2,008 |
| Credit loss provision to net charge-offs | 176.4706% | 1,451 |
| Earnings coverage of net charge-offs (x) | 7.9059% | 2,023 |
| Efficiency ratio | 49.0330% | 6,738 |
| Assets per employee ($millions) | 4.5784% | 2,852 |
| Cash dividends to net income (ytd only)* | 89.4632% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9741% | 2,437 |
| Loan loss allowance to noncurrent loans | 815.7333% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.9078% | 4,702 |
| Noncurrent loans to loans | 0.2420% | 6,204 |
| Net loans and leases to total assets | 69.1191% | 1,932 |
| Net loans and leases to deposits | 80.2624% | 2,169 |
| Net loans and leases to core deposits | 86.1496% | 2,277 |
| Total domestic deposits to total assets | 86.1165% | 3,463 |
| Equity capital to assets | 8.9787% | 5,528 |
| Core capital (leverage) ratio | 9.0034% | 4,837 |
| Tier 1 risk-based capital ratio | 11.2856% | 6,395 |
| Total risk-based capital ratio | 12.5421% | 6,374 |
| Memoranda: | ||
| Average total assets | $217,458,000 | 2,916 |
| Average earning assets | $205,029,000 | 2,834 |
| Average equity | $19,641,000 | 3,269 |
| Average total loans | $156,462,500 | 2,531 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0711% | 2,562 |
| Cost of funding earning assets | 0.8607% | 4,389 |
| Net interest margin | 4.2105% | 2,025 |
| Noninterest income to average assets | 1.0031% | 1,361 |
| Noninterest expense to average assets | 2.4072% | 5,755 |
| Loan and lease loss provision to assets | 0.5532% | 1,886 |
| Net operating income to assets | 1.9479% | 342 |
| Return on assets (ROA) | 1.9646% | 349 |
| Pretax return on assets | 2.0130% | 523 |
| Return on Equity (ROE) | 22.0731% | 179 |
| Retained earnings to average equity (ytd only) | 2.3927% | 4,519 |
| Net charge-offs to loans | 0.8559% | 2,030 |
| Credit loss provision to net charge-offs | 92.3788% | 3,898 |
| Earnings coverage of net charge-offs (x) | 4.2571% | 3,198 |
| Efficiency ratio | 48.5677% | 6,914 |
| Assets per employee ($millions) | 4.4823% | 2,944 |
| Cash dividends to net income (ytd only)* | 89.1600% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8542% | 2,694 |
| Loan loss allowance to noncurrent loans | 236.7825% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 1.3567% | 3,973 |
| Noncurrent loans to loans | 0.7831% | 5,120 |
| Net loans and leases to total assets | 72.0598% | 1,639 |
| Net loans and leases to deposits | 83.8456% | 1,946 |
| Net loans and leases to core deposits | 89.6526% | 2,172 |
| Total domestic deposits to total assets | 85.9434% | 3,356 |
| Equity capital to assets | 9.0866% | 5,436 |
| Core capital (leverage) ratio | 9.1147% | 4,593 |
| Tier 1 risk-based capital ratio | 11.3559% | 6,253 |
| Total risk-based capital ratio | 12.6119% | 6,236 |
| Memoranda: | ||
| Average total assets | $216,936,200 | 2,872 |
| Average earning assets | $203,681,800 | 2,806 |
| Average equity | $19,308,600 | 3,240 |
| Average total loans | $151,772,800 | 2,617 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9581% | 3,296 |
| Cost of funding earning assets | 0.8921% | 4,454 |
| Net interest margin | 4.0660% | 2,615 |
| Noninterest income to average assets | 1.0445% | 1,235 |
| Noninterest expense to average assets | 2.3798% | 5,821 |
| Loan and lease loss provision to assets | 0.5520% | 1,782 |
| Net operating income to assets | 1.8750% | 449 |
| Return on assets (ROA) | 1.8958% | 460 |
| Pretax return on assets | 1.9474% | 694 |
| Return on Equity (ROE) | 21.4109% | 242 |
| Retained earnings to average equity (ytd only) | 2.0157% | 5,126 |
| Net charge-offs to loans | 1.0127% | 1,588 |
| Credit loss provision to net charge-offs | 78.8782% | 4,176 |
| Earnings coverage of net charge-offs (x) | 3.5407% | 3,404 |
| Efficiency ratio | 48.9899% | 6,888 |
| Assets per employee ($millions) | 4.5866% | 2,775 |
| Cash dividends to net income (ytd only)* | 90.5856% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8132% | 2,898 |
| Loan loss allowance to noncurrent loans | 177.2901% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 1.4267% | 3,984 |
| Noncurrent loans to loans | 1.0228% | 4,850 |
| Net loans and leases to total assets | 68.5485% | 2,366 |
| Net loans and leases to deposits | 79.4427% | 2,731 |
| Net loans and leases to core deposits | 84.4880% | 2,986 |
| Total domestic deposits to total assets | 86.2867% | 3,046 |
| Equity capital to assets | 8.8187% | 5,959 |
| Core capital (leverage) ratio | 8.8173% | 5,236 |
| Tier 1 risk-based capital ratio | 11.8397% | 6,012 |
| Total risk-based capital ratio | 13.0955% | 5,986 |
| Memoranda: | ||
| Average total assets | $217,382,250 | 2,875 |
| Average earning assets | $203,862,000 | 2,809 |
| Average equity | $19,248,250 | 3,252 |
| Average total loans | $150,224,250 | 2,657 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9787% | 3,257 |
| Cost of funding earning assets | 0.9301% | 4,452 |
| Net interest margin | 4.0487% | 2,621 |
| Noninterest income to average assets | 1.1180% | 1,035 |
| Noninterest expense to average assets | 2.4282% | 5,754 |
| Loan and lease loss provision to assets | 0.5544% | 1,746 |
| Net operating income to assets | 1.8748% | 427 |
| Return on assets (ROA) | 1.9062% | 435 |
| Pretax return on assets | 1.9607% | 635 |
| Return on Equity (ROE) | 21.4978% | 253 |
| Retained earnings to average equity (ytd only) | 2.7406% | 4,539 |
| Net charge-offs to loans | 0.8292% | 1,849 |
| Credit loss provision to net charge-offs | 97.0874% | 3,248 |
| Earnings coverage of net charge-offs (x) | 4.3479% | 2,882 |
| Efficiency ratio | 49.4450% | 6,972 |
| Assets per employee ($millions) | 4.3423% | 3,094 |
| Cash dividends to net income (ytd only)* | 87.2516% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0129% | 2,333 |
| Loan loss allowance to noncurrent loans | 155.2347% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 1.7239% | 3,611 |
| Noncurrent loans to loans | 1.2967% | 4,482 |
| Net loans and leases to total assets | 68.8654% | 2,441 |
| Net loans and leases to deposits | 80.3301% | 2,730 |
| Net loans and leases to core deposits | 85.6087% | 2,973 |
| Total domestic deposits to total assets | 85.7280% | 3,480 |
| Equity capital to assets | 9.0961% | 5,447 |
| Core capital (leverage) ratio | 8.9449% | 4,813 |
| Tier 1 risk-based capital ratio | 12.0890% | 5,716 |
| Total risk-based capital ratio | 13.3467% | 5,681 |
| Memoranda: | ||
| Average total assets | $216,457,000 | 2,896 |
| Average earning assets | $202,783,330 | 2,838 |
| Average equity | $19,192,670 | 3,247 |
| Average total loans | $149,065,000 | 2,699 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9277% | 3,431 |
| Cost of funding earning assets | 0.9512% | 4,554 |
| Net interest margin | 3.9765% | 2,788 |
| Noninterest income to average assets | 0.8704% | 1,769 |
| Noninterest expense to average assets | 2.2721% | 6,254 |
| Loan and lease loss provision to assets | 0.5497% | 1,575 |
| Net operating income to assets | 1.7261% | 557 |
| Return on assets (ROA) | 1.7865% | 530 |
| Pretax return on assets | 1.8488% | 740 |
| Return on Equity (ROE) | 20.4060% | 314 |
| Retained earnings to average equity (ytd only) | 3.6626% | 3,978 |
| Net charge-offs to loans | 1.1342% | 1,224 |
| Credit loss provision to net charge-offs | 71.0900% | 3,335 |
| Earnings coverage of net charge-offs (x) | 3.0213% | 2,872 |
| Efficiency ratio | 49.3042% | 7,043 |
| Assets per employee ($millions) | 4.3373% | 3,163 |
| Cash dividends to net income (ytd only)* | 82.0513% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9723% | 2,487 |
| Loan loss allowance to noncurrent loans | 215.8990% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 1.5217% | 3,972 |
| Noncurrent loans to loans | 0.9135% | 5,213 |
| Net loans and leases to total assets | 66.6009% | 2,858 |
| Net loans and leases to deposits | 77.7723% | 3,099 |
| Net loans and leases to core deposits | 83.0166% | 3,302 |
| Total domestic deposits to total assets | 85.6358% | 3,719 |
| Equity capital to assets | 8.8530% | 5,413 |
| Core capital (leverage) ratio | 8.7692% | 4,972 |
| Tier 1 risk-based capital ratio | 11.8673% | 5,805 |
| Total risk-based capital ratio | 13.1245% | 5,801 |
| Memoranda: | ||
| Average total assets | $218,299,000 | 2,899 |
| Average earning assets | $205,206,000 | 2,838 |
| Average equity | $19,112,000 | 3,242 |
| Average total loans | $148,829,000 | 2,729 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4231% | 2,568 |
| Cost of funding earning assets | 1.2125% | 4,477 |
| Net interest margin | 4.2106% | 2,146 |
| Noninterest income to average assets | 0.8453% | 2,081 |
| Noninterest expense to average assets | 2.3767% | 6,150 |
| Loan and lease loss provision to assets | 0.6681% | 2,471 |
| Net operating income to assets | 1.6995% | 516 |
| Return on assets (ROA) | 1.6618% | 602 |
| Pretax return on assets | 1.6994% | 939 |
| Return on Equity (ROE) | 19.4172% | 288 |
| Retained earnings to average equity (ytd only) | 5.3232% | 2,234 |
| Net charge-offs to loans | 0.8762% | 2,438 |
| Credit loss provision to net charge-offs | 105.6493% | 4,238 |
| Earnings coverage of net charge-offs (x) | 3.8048% | 3,180 |
| Efficiency ratio | 49.6944% | 7,149 |
| Assets per employee ($millions) | 4.3947% | 3,042 |
| Cash dividends to net income (ytd only)* | 72.5851% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0144% | 2,263 |
| Loan loss allowance to noncurrent loans | 252.9657% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 1.3075% | 4,412 |
| Noncurrent loans to loans | 0.7963% | 5,449 |
| Net loans and leases to total assets | 67.0314% | 3,212 |
| Net loans and leases to deposits | 78.4267% | 3,443 |
| Net loans and leases to core deposits | 84.0831% | 3,585 |
| Total domestic deposits to total assets | 85.4701% | 3,618 |
| Equity capital to assets | 8.6582% | 5,645 |
| Core capital (leverage) ratio | 8.2839% | 5,705 |
| Tier 1 risk-based capital ratio | 11.5286% | 5,881 |
| Total risk-based capital ratio | 12.7861% | 5,882 |
| Memoranda: | ||
| Average total assets | $215,549,200 | 2,918 |
| Average earning assets | $201,564,000 | 2,856 |
| Average equity | $18,447,600 | 3,361 |
| Average total loans | $155,554,400 | 2,676 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5118% | 2,388 |
| Cost of funding earning assets | 1.2593% | 4,500 |
| Net interest margin | 4.2525% | 2,023 |
| Noninterest income to average assets | 0.7322% | 2,626 |
| Noninterest expense to average assets | 2.3558% | 6,163 |
| Loan and lease loss provision to assets | 0.7086% | 2,155 |
| Net operating income to assets | 1.6018% | 745 |
| Return on assets (ROA) | 1.6018% | 813 |
| Pretax return on assets | 1.6391% | 1,250 |
| Return on Equity (ROE) | 18.7721% | 407 |
| Retained earnings to average equity (ytd only) | 3.4747% | 4,011 |
| Net charge-offs to loans | 1.0786% | 1,879 |
| Credit loss provision to net charge-offs | 89.8345% | 4,773 |
| Earnings coverage of net charge-offs (x) | 2.9764% | 3,642 |
| Efficiency ratio | 50.0859% | 7,141 |
| Assets per employee ($millions) | 4.4635% | 2,966 |
| Cash dividends to net income (ytd only)* | 81.4902% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8355% | 2,676 |
| Loan loss allowance to noncurrent loans | 438.1988% | 682 |
| Noncurrent assets plus other real estate owned to assets | 1.0367% | 5,033 |
| Noncurrent loans to loans | 0.4189% | 6,361 |
| Net loans and leases to total assets | 66.3012% | 3,620 |
| Net loans and leases to deposits | 76.9960% | 4,011 |
| Net loans and leases to core deposits | 82.0223% | 4,248 |
| Total domestic deposits to total assets | 86.1099% | 3,020 |
| Equity capital to assets | 8.2074% | 6,606 |
| Core capital (leverage) ratio | 8.1635% | 6,092 |
| Tier 1 risk-based capital ratio | 10.8573% | 6,502 |
| Total risk-based capital ratio | 12.1124% | 6,477 |
| Memoranda: | ||
| Average total assets | $214,503,250 | 2,982 |
| Average earning assets | $200,317,000 | 2,914 |
| Average equity | $18,303,250 | 3,425 |
| Average total loans | $156,863,500 | 2,703 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6312% | 2,019 |
| Cost of funding earning assets | 1.3056% | 4,498 |
| Net interest margin | 4.3256% | 1,687 |
| Noninterest income to average assets | 0.8290% | 1,976 |
| Noninterest expense to average assets | 2.3986% | 6,072 |
| Loan and lease loss provision to assets | 0.6092% | 2,360 |
| Net operating income to assets | 1.8246% | 464 |
| Return on assets (ROA) | 1.8246% | 503 |
| Pretax return on assets | 1.8608% | 797 |
| Return on Equity (ROE) | 21.0930% | 253 |
| Retained earnings to average equity (ytd only) | 3.4880% | 3,886 |
| Net charge-offs to loans | 0.6890% | 2,496 |
| Credit loss provision to net charge-offs | 117.6471% | 3,451 |
| Earnings coverage of net charge-offs (x) | 4.7702% | 2,850 |
| Efficiency ratio | 49.2669% | 7,271 |
| Assets per employee ($millions) | 4.2528% | 3,300 |
| Cash dividends to net income (ytd only)* | 83.4637% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0029% | 2,174 |
| Loan loss allowance to noncurrent loans | 234.2045% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 1.5054% | 4,195 |
| Noncurrent loans to loans | 0.8552% | 5,552 |
| Net loans and leases to total assets | 67.4138% | 3,520 |
| Net loans and leases to deposits | 79.0143% | 3,794 |
| Net loans and leases to core deposits | 84.2508% | 4,109 |
| Total domestic deposits to total assets | 85.3185% | 3,457 |
| Equity capital to assets | 8.3204% | 6,402 |
| Core capital (leverage) ratio | 8.5941% | 5,245 |
| Tier 1 risk-based capital ratio | 10.8187% | 6,434 |
| Total risk-based capital ratio | 12.0756% | 6,413 |
| Memoranda: | ||
| Average total assets | $210,125,330 | 3,050 |
| Average earning assets | $196,229,000 | 2,999 |
| Average equity | $18,176,670 | 3,434 |
| Average total loans | $157,902,000 | 2,723 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7114% | 1,733 |
| Cost of funding earning assets | 1.3521% | 4,477 |
| Net interest margin | 4.3593% | 1,509 |
| Noninterest income to average assets | 0.7604% | 2,229 |
| Noninterest expense to average assets | 2.3556% | 6,225 |
| Loan and lease loss provision to assets | 0.6647% | 1,907 |
| Net operating income to assets | 1.7789% | 520 |
| Return on assets (ROA) | 1.7789% | 570 |
| Pretax return on assets | 1.8180% | 850 |
| Return on Equity (ROE) | 20.1495% | 375 |
| Retained earnings to average equity (ytd only) | 2.4356% | 4,678 |
| Net charge-offs to loans | 0.7239% | 2,052 |
| Credit loss provision to net charge-offs | 116.8385% | 2,982 |
| Earnings coverage of net charge-offs (x) | 4.3643% | 2,645 |
| Efficiency ratio | 48.6869% | 7,396 |
| Assets per employee ($millions) | 4.0607% | 3,732 |
| Cash dividends to net income (ytd only)* | 87.9121% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8629% | 2,543 |
| Loan loss allowance to noncurrent loans | 153.8462% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 1.7919% | 3,800 |
| Noncurrent loans to loans | 1.2109% | 4,942 |
| Net loans and leases to total assets | 76.3101% | 1,479 |
| Net loans and leases to deposits | 90.3414% | 1,853 |
| Net loans and leases to core deposits | 96.9671% | 2,464 |
| Total domestic deposits to total assets | 84.4686% | 3,908 |
| Equity capital to assets | 8.7572% | 5,630 |
| Core capital (leverage) ratio | 8.8101% | 4,842 |
| Tier 1 risk-based capital ratio | 10.4594% | 6,668 |
| Total risk-based capital ratio | 11.7157% | 6,656 |
| Memoranda: | ||
| Average total assets | $204,616,500 | 3,158 |
| Average earning assets | $191,407,000 | 3,102 |
| Average equity | $18,065,000 | 3,468 |
| Average total loans | $160,789,000 | 2,752 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1353% | 1,419 |
| Cost of funding earning assets | 1.6637% | 4,708 |
| Net interest margin | 4.4716% | 1,232 |
| Noninterest income to average assets | 0.7647% | 2,589 |
| Noninterest expense to average assets | 2.4824% | 6,197 |
| Loan and lease loss provision to assets | 0.6645% | 3,152 |
| Net operating income to assets | 1.7605% | 389 |
| Return on assets (ROA) | 1.7453% | 428 |
| Pretax return on assets | 1.7967% | 639 |
| Return on Equity (ROE) | 19.6295% | 263 |
| Retained earnings to average equity (ytd only) | 2.0779% | 3,650 |
| Net charge-offs to loans | 0.8501% | 2,700 |
| Credit loss provision to net charge-offs | 98.6547% | 5,648 |
| Earnings coverage of net charge-offs (x) | 3.6771% | 3,248 |
| Efficiency ratio | 50.0558% | 7,538 |
| Assets per employee ($millions) | 3.8139% | 4,251 |
| Cash dividends to net income (ytd only)* | 89.4145% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8381% | 2,432 |
| Loan loss allowance to noncurrent loans | 90.9960% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 2.3608% | 2,941 |
| Noncurrent loans to loans | 2.0200% | 3,622 |
| Net loans and leases to total assets | 77.9629% | 1,398 |
| Net loans and leases to deposits | 91.5418% | 1,956 |
| Net loans and leases to core deposits | 114.2419% | 2,479 |
| Total domestic deposits to total assets | 85.1664% | 3,473 |
| Equity capital to assets | 8.9019% | 5,277 |
| Core capital (leverage) ratio | 8.8266% | 4,728 |
| Tier 1 risk-based capital ratio | 10.4656% | 6,434 |
| Total risk-based capital ratio | 11.7215% | 6,396 |
| Memoranda: | ||
| Average total assets | $198,642,200 | 3,200 |
| Average earning assets | $186,330,200 | 3,138 |
| Average equity | $17,662,200 | 3,558 |
| Average total loans | $157,385,600 | 2,813 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1803% | 1,420 |
| Cost of funding earning assets | 1.7213% | 4,797 |
| Net interest margin | 4.4590% | 1,299 |
| Noninterest income to average assets | 0.7753% | 2,574 |
| Noninterest expense to average assets | 2.5079% | 6,046 |
| Loan and lease loss provision to assets | 0.7281% | 2,556 |
| Net operating income to assets | 1.6733% | 588 |
| Return on assets (ROA) | 1.6524% | 656 |
| Pretax return on assets | 1.7057% | 964 |
| Return on Equity (ROE) | 18.5896% | 395 |
| Retained earnings to average equity (ytd only) | 1.1453% | 4,683 |
| Net charge-offs to loans | 0.8821% | 2,202 |
| Credit loss provision to net charge-offs | 104.2471% | 4,877 |
| Earnings coverage of net charge-offs (x) | 3.5154% | 3,502 |
| Efficiency ratio | 50.5297% | 7,514 |
| Assets per employee ($millions) | 4.0020% | 3,729 |
| Cash dividends to net income (ytd only)* | 93.8392% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9102% | 2,008 |
| Loan loss allowance to noncurrent loans | 89.9135% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 2.0570% | 3,269 |
| Noncurrent loans to loans | 2.1244% | 3,478 |
| Net loans and leases to total assets | 77.3223% | 1,716 |
| Net loans and leases to deposits | 90.9103% | 2,410 |
| Net loans and leases to core deposits | 110.4487% | 3,185 |
| Total domestic deposits to total assets | 85.0535% | 3,211 |
| Equity capital to assets | 8.9350% | 5,583 |
| Core capital (leverage) ratio | 8.7978% | 4,980 |
| Tier 1 risk-based capital ratio | 10.4979% | 6,475 |
| Total risk-based capital ratio | 11.7548% | 6,418 |
| Memoranda: | ||
| Average total assets | $197,768,750 | 3,224 |
| Average earning assets | $185,746,750 | 3,171 |
| Average equity | $17,579,250 | 3,599 |
| Average total loans | $156,596,500 | 2,847 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9081% | 2,549 |
| Cost of funding earning assets | 1.7952% | 4,782 |
| Net interest margin | 4.1128% | 2,274 |
| Noninterest income to average assets | 0.8000% | 2,409 |
| Noninterest expense to average assets | 2.3798% | 6,525 |
| Loan and lease loss provision to assets | 0.4467% | 3,302 |
| Net operating income to assets | 1.7858% | 481 |
| Return on assets (ROA) | 1.7838% | 524 |
| Pretax return on assets | 1.8326% | 799 |
| Return on Equity (ROE) | 20.1037% | 335 |
| Retained earnings to average equity (ytd only) | 2.9406% | 3,691 |
| Net charge-offs to loans | 0.5876% | 2,569 |
| Credit loss provision to net charge-offs | 95.8606% | 4,741 |
| Earnings coverage of net charge-offs (x) | 4.8954% | 2,969 |
| Efficiency ratio | 51.0564% | 7,590 |
| Assets per employee ($millions) | 3.8782% | 3,921 |
| Cash dividends to net income (ytd only)* | 85.3728% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8758% | 1,851 |
| Loan loss allowance to noncurrent loans | 85.5320% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 1.9420% | 3,281 |
| Noncurrent loans to loans | 2.1931% | 3,269 |
| Net loans and leases to total assets | 78.0228% | 1,735 |
| Net loans and leases to deposits | 91.5101% | 2,568 |
| Net loans and leases to core deposits | 110.9754% | 3,258 |
| Total domestic deposits to total assets | 85.2614% | 3,133 |
| Equity capital to assets | 9.0132% | 5,294 |
| Core capital (leverage) ratio | 9.1138% | 4,434 |
| Tier 1 risk-based capital ratio | 10.5860% | 6,307 |
| Total risk-based capital ratio | 11.8417% | 6,240 |
| Memoranda: | ||
| Average total assets | $196,991,670 | 3,258 |
| Average earning assets | $184,932,670 | 3,200 |
| Average equity | $17,479,330 | 3,621 |
| Average total loans | $156,217,000 | 2,885 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0116% | 2,310 |
| Cost of funding earning assets | 1.8517% | 4,868 |
| Net interest margin | 4.1599% | 2,050 |
| Noninterest income to average assets | 0.7508% | 2,592 |
| Noninterest expense to average assets | 2.3541% | 6,355 |
| Loan and lease loss provision to assets | 0.4069% | 2,884 |
| Net operating income to assets | 1.8514% | 481 |
| Return on assets (ROA) | 1.8475% | 537 |
| Pretax return on assets | 1.8983% | 800 |
| Return on Equity (ROE) | 20.9875% | 363 |
| Retained earnings to average equity (ytd only) | 2.4963% | 4,484 |
| Net charge-offs to loans | 0.5601% | 2,069 |
| Credit loss provision to net charge-offs | 91.7431% | 3,969 |
| Earnings coverage of net charge-offs (x) | 5.2064% | 2,725 |
| Efficiency ratio | 50.4799% | 7,553 |
| Assets per employee ($millions) | 3.8458% | 3,990 |
| Cash dividends to net income (ytd only)* | 88.1057% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9149% | 1,589 |
| Loan loss allowance to noncurrent loans | 166.3472% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 1.1441% | 4,388 |
| Noncurrent loans to loans | 1.1511% | 4,690 |
| Net loans and leases to total assets | 77.0671% | 2,026 |
| Net loans and leases to deposits | 90.1450% | 2,905 |
| Net loans and leases to core deposits | 109.8110% | 3,457 |
| Total domestic deposits to total assets | 85.4923% | 2,972 |
| Equity capital to assets | 8.8301% | 5,573 |
| Core capital (leverage) ratio | 9.0323% | 4,649 |
| Tier 1 risk-based capital ratio | 10.6514% | 6,233 |
| Total risk-based capital ratio | 11.9082% | 6,141 |
| Memoranda: | ||
| Average total assets | $196,594,000 | 3,275 |
| Average earning assets | $184,909,000 | 3,228 |
| Average equity | $17,305,500 | 3,672 |
| Average total loans | $155,691,000 | 2,920 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7533% | 1,852 |
| Cost of funding earning assets | 2.5795% | 3,798 |
| Net interest margin | 4.1737% | 2,424 |
| Noninterest income to average assets | 0.7693% | 2,674 |
| Noninterest expense to average assets | 2.2325% | 6,888 |
| Loan and lease loss provision to assets | 0.2393% | 4,508 |
| Net operating income to assets | 2.1212% | 279 |
| Return on assets (ROA) | 1.8452% | 488 |
| Pretax return on assets | 1.8845% | 789 |
| Return on Equity (ROE) | 21.6016% | 273 |
| Retained earnings to average equity (ytd only) | 2.9242% | 3,355 |
| Net charge-offs to loans | 0.5250% | 2,267 |
| Credit loss provision to net charge-offs | 58.7515% | 6,245 |
| Earnings coverage of net charge-offs (x) | 5.9058% | 3,491 |
| Efficiency ratio | 48.1350% | 7,791 |
| Assets per employee ($millions) | 3.6491% | 4,285 |
| Cash dividends to net income (ytd only)* | 86.4631% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8878% | 1,449 |
| Loan loss allowance to noncurrent loans | 185.2152% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 1.1677% | 3,924 |
| Noncurrent loans to loans | 1.0192% | 4,546 |
| Net loans and leases to total assets | 78.3071% | 2,047 |
| Net loans and leases to deposits | 92.0098% | 3,132 |
| Net loans and leases to core deposits | 113.2381% | 3,420 |
| Total domestic deposits to total assets | 85.1074% | 2,795 |
| Equity capital to assets | 8.7754% | 5,696 |
| Core capital (leverage) ratio | 8.8044% | 5,029 |
| Tier 1 risk-based capital ratio | 10.4113% | 6,302 |
| Total risk-based capital ratio | 11.6674% | 6,173 |
| Memoranda: | ||
| Average total assets | $200,578,800 | 3,133 |
| Average earning assets | $185,924,000 | 3,106 |
| Average equity | $17,133,000 | 3,710 |
| Average total loans | $155,616,600 | 2,839 |