Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8757% | 2,330 |
| Cost of funding earning assets | 1.8442% | 1,171 |
| Net interest margin | 3.0315% | 3,219 |
| Noninterest income to average assets | 1.0200% | 609 |
| Noninterest expense to average assets | 2.9690% | 1,165 |
| Loan and lease loss provision to assets | -0.0600% | 4,460 |
| Net operating income to assets | 0.6922% | 3,214 |
| Return on assets (ROA) | 0.6922% | 3,186 |
| Pretax return on assets | 0.9242% | 2,896 |
| Return on Equity (ROE) | 7.5400% | 3,145 |
| Retained earnings to average equity (ytd only) | 3.8829% | 3,000 |
| Net charge-offs to loans | -0.0203% | 4,160 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.3668% | 1,126 |
| Assets per employee ($millions) | 4.8769% | 3,725 |
| Cash dividends to net income (ytd only)* | 48.5352% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 2,040 |
| Loan loss allowance to noncurrent loans | 218.5322% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.4783% | 1,172 |
| Noncurrent loans to loans | 0.5701% | 1,374 |
| Net loans and leases to total assets | 81.7200% | 457 |
| Net loans and leases to deposits | 101.5649% | 456 |
| Net loans and leases to core deposits | 120.5700% | 605 |
| Total domestic deposits to total assets | 80.4600% | 3,385 |
| Equity capital to assets | 9.2874% | 2,491 |
| Core capital (leverage) ratio | 9.6717% | 3,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9607% | 1,882 |
| Memoranda: | ||
| Average total assets | $1,528,718,400 | 708 |
| Average earning assets | $1,421,720,000 | 693 |
| Average equity | $140,255,200 | 711 |
| Average total loans | $1,234,436,200 | 618 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7670% | 2,337 |
| Cost of funding earning assets | 1.7197% | 1,150 |
| Net interest margin | 3.0473% | 3,240 |
| Noninterest income to average assets | 1.0300% | 613 |
| Noninterest expense to average assets | 2.9685% | 1,114 |
| Loan and lease loss provision to assets | -0.0700% | 4,511 |
| Net operating income to assets | 0.7142% | 3,281 |
| Return on assets (ROA) | 0.7142% | 3,267 |
| Pretax return on assets | 0.9612% | 2,954 |
| Return on Equity (ROE) | 7.8100% | 3,235 |
| Retained earnings to average equity (ytd only) | 5.0208% | 2,923 |
| Net charge-offs to loans | -0.0451% | 4,340 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.8654% | 1,103 |
| Assets per employee ($millions) | 4.6344% | 3,859 |
| Cash dividends to net income (ytd only)* | 35.7029% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 1,943 |
| Loan loss allowance to noncurrent loans | 233.1883% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.4604% | 1,267 |
| Noncurrent loans to loans | 0.5503% | 1,450 |
| Net loans and leases to total assets | 81.3900% | 490 |
| Net loans and leases to deposits | 103.1428% | 383 |
| Net loans and leases to core deposits | 114.5444% | 711 |
| Total domestic deposits to total assets | 78.9100% | 3,708 |
| Equity capital to assets | 9.1774% | 2,303 |
| Core capital (leverage) ratio | 9.7790% | 3,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3534% | 1,770 |
| Memoranda: | ||
| Average total assets | $1,523,184,500 | 714 |
| Average earning assets | $1,415,632,500 | 698 |
| Average equity | $139,310,500 | 710 |
| Average total loans | $1,222,200,000 | 618 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5994% | 2,417 |
| Cost of funding earning assets | 1.6025% | 1,059 |
| Net interest margin | 2.9969% | 3,437 |
| Noninterest income to average assets | 0.9500% | 618 |
| Noninterest expense to average assets | 2.9523% | 1,124 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.5670% | 3,664 |
| Return on assets (ROA) | 0.5670% | 3,671 |
| Pretax return on assets | 0.7582% | 3,491 |
| Return on Equity (ROE) | 6.2100% | 3,650 |
| Retained earnings to average equity (ytd only) | 3.4672% | 3,360 |
| Net charge-offs to loans | -0.0040% | 3,660 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 79.1835% | 893 |
| Assets per employee ($millions) | 4.4935% | 3,957 |
| Cash dividends to net income (ytd only)* | 44.1333% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3673% | 1,649 |
| Loan loss allowance to noncurrent loans | 578.7868% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 2,189 |
| Noncurrent loans to loans | 0.2362% | 2,314 |
| Net loans and leases to total assets | 80.0200% | 620 |
| Net loans and leases to deposits | 98.7806% | 570 |
| Net loans and leases to core deposits | 109.0117% | 867 |
| Total domestic deposits to total assets | 81.0000% | 3,431 |
| Equity capital to assets | 9.2486% | 2,347 |
| Core capital (leverage) ratio | 9.5250% | 3,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3943% | 1,763 |
| Memoranda: | ||
| Average total assets | $1,524,223,333 | 698 |
| Average earning assets | $1,415,444,000 | 687 |
| Average equity | $139,246,667 | 704 |
| Average total loans | $1,211,833,000 | 612 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3519% | 2,673 |
| Cost of funding earning assets | 1.4592% | 921 |
| Net interest margin | 2.8926% | 3,803 |
| Noninterest income to average assets | 0.8500% | 761 |
| Noninterest expense to average assets | 2.9211% | 1,191 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.4303% | 4,033 |
| Return on assets (ROA) | 0.4303% | 3,983 |
| Pretax return on assets | 0.5628% | 3,904 |
| Return on Equity (ROE) | 4.7400% | 3,923 |
| Retained earnings to average equity (ytd only) | 2.4070% | 3,626 |
| Net charge-offs to loans | 0.0007% | 2,042 |
| Credit loss provision to net charge-offs | 8,600.0000% | 52 |
| Earnings coverage of net charge-offs (x) | 1,165.0000% | 86 |
| Efficiency ratio | 82.7790% | 658 |
| Assets per employee ($millions) | 4.4500% | 4,050 |
| Cash dividends to net income (ytd only)* | 49.2121% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3834% | 1,683 |
| Loan loss allowance to noncurrent loans | 598.1315% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.1910% | 2,190 |
| Noncurrent loans to loans | 0.2313% | 2,346 |
| Net loans and leases to total assets | 77.7400% | 792 |
| Net loans and leases to deposits | 97.0587% | 592 |
| Net loans and leases to core deposits | 104.6638% | 888 |
| Total domestic deposits to total assets | 80.0900% | 3,750 |
| Equity capital to assets | 9.0702% | 2,460 |
| Core capital (leverage) ratio | 9.5243% | 3,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1395% | 1,929 |
| Memoranda: | ||
| Average total assets | $1,533,672,000 | 709 |
| Average earning assets | $1,422,380,000 | 698 |
| Average equity | $139,259,000 | 713 |
| Average total loans | $1,207,143,500 | 620 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8621% | 2,089 |
| Cost of funding earning assets | 0.5783% | 982 |
| Net interest margin | 3.2838% | 2,609 |
| Noninterest income to average assets | 0.7600% | 1,100 |
| Noninterest expense to average assets | 2.8404% | 1,240 |
| Loan and lease loss provision to assets | -0.2000% | 4,630 |
| Net operating income to assets | 0.8690% | 3,087 |
| Return on assets (ROA) | 0.8690% | 3,017 |
| Pretax return on assets | 1.1700% | 2,530 |
| Return on Equity (ROE) | 9.1700% | 3,076 |
| Retained earnings to average equity (ytd only) | 7.3006% | 2,105 |
| Net charge-offs to loans | 0.0075% | 2,120 |
| Credit loss provision to net charge-offs | -3,554.2169% | 4,700 |
| Earnings coverage of net charge-offs (x) | 170.5422% | 727 |
| Efficiency ratio | 74.5789% | 1,163 |
| Assets per employee ($millions) | 4.5190% | 4,027 |
| Cash dividends to net income (ytd only)* | 20.3778% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0808% | 2,984 |
| Loan loss allowance to noncurrent loans | 372.3755% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 1,963 |
| Noncurrent loans to loans | 0.2902% | 2,105 |
| Net loans and leases to total assets | 77.7400% | 823 |
| Net loans and leases to deposits | 105.0020% | 265 |
| Net loans and leases to core deposits | 109.4663% | 629 |
| Total domestic deposits to total assets | 74.0400% | 4,355 |
| Equity capital to assets | 9.0899% | 2,304 |
| Core capital (leverage) ratio | 9.5531% | 3,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8774% | 2,020 |
| Memoranda: | ||
| Average total assets | $1,461,990,400 | 718 |
| Average earning assets | $1,357,745,600 | 707 |
| Average equity | $138,563,400 | 714 |
| Average total loans | $1,103,923,200 | 627 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7574% | 1,868 |
| Cost of funding earning assets | 0.4023% | 1,273 |
| Net interest margin | 3.3551% | 2,120 |
| Noninterest income to average assets | 0.8000% | 1,027 |
| Noninterest expense to average assets | 2.9025% | 1,047 |
| Loan and lease loss provision to assets | -0.2700% | 4,696 |
| Net operating income to assets | 0.9509% | 2,667 |
| Return on assets (ROA) | 0.9509% | 2,635 |
| Pretax return on assets | 1.2893% | 2,083 |
| Return on Equity (ROE) | 9.9200% | 2,753 |
| Retained earnings to average equity (ytd only) | 8.3171% | 1,880 |
| Net charge-offs to loans | 0.0048% | 2,005 |
| Credit loss provision to net charge-offs | -7,564.1026% | 4,755 |
| Earnings coverage of net charge-offs (x) | 281.9744% | 495 |
| Efficiency ratio | 74.0600% | 1,269 |
| Assets per employee ($millions) | 4.3217% | 4,168 |
| Cash dividends to net income (ytd only)* | 16.1968% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1543% | 2,770 |
| Loan loss allowance to noncurrent loans | 458.8749% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.2029% | 2,251 |
| Noncurrent loans to loans | 0.2515% | 2,368 |
| Net loans and leases to total assets | 75.8700% | 920 |
| Net loans and leases to deposits | 97.5512% | 473 |
| Net loans and leases to core deposits | 101.3783% | 766 |
| Total domestic deposits to total assets | 77.7700% | 4,273 |
| Equity capital to assets | 9.2166% | 2,064 |
| Core capital (leverage) ratio | 9.6735% | 2,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2774% | 1,948 |
| Memoranda: | ||
| Average total assets | $1,442,243,250 | 730 |
| Average earning assets | $1,341,582,000 | 722 |
| Average equity | $138,186,000 | 724 |
| Average total loans | $1,077,139,500 | 637 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6209% | 1,772 |
| Cost of funding earning assets | 0.3264% | 1,470 |
| Net interest margin | 3.2945% | 1,927 |
| Noninterest income to average assets | 0.8022% | 1,036 |
| Noninterest expense to average assets | 2.8915% | 1,003 |
| Loan and lease loss provision to assets | 0.1260% | 773 |
| Net operating income to assets | 0.6366% | 3,521 |
| Return on assets (ROA) | 0.6366% | 3,471 |
| Pretax return on assets | 0.8528% | 3,197 |
| Return on Equity (ROE) | 6.5577% | 3,434 |
| Retained earnings to average equity (ytd only) | 4.8692% | 2,752 |
| Net charge-offs to loans | 0.0098% | 1,620 |
| Credit loss provision to net charge-offs | 1,730.7692% | 269 |
| Earnings coverage of net charge-offs (x) | 134.4808% | 695 |
| Efficiency ratio | 74.7098% | 1,425 |
| Assets per employee ($millions) | 4.2286% | 4,255 |
| Cash dividends to net income (ytd only)* | 25.7476% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5361% | 1,311 |
| Loan loss allowance to noncurrent loans | 730.2065% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.3250% | 1,698 |
| Noncurrent loans to loans | 0.2104% | 2,663 |
| Net loans and leases to total assets | 75.2185% | 800 |
| Net loans and leases to deposits | 91.3668% | 639 |
| Net loans and leases to core deposits | 94.9011% | 873 |
| Total domestic deposits to total assets | 82.3259% | 3,964 |
| Equity capital to assets | 9.2407% | 2,203 |
| Core capital (leverage) ratio | 9.5727% | 2,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1636% | 1,992 |
| Memoranda: | ||
| Average total assets | $1,428,881,333 | 730 |
| Average earning assets | $1,330,710,000 | 724 |
| Average equity | $138,708,000 | 729 |
| Average total loans | $1,056,931,667 | 634 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5229% | 1,730 |
| Cost of funding earning assets | 0.3116% | 1,542 |
| Net interest margin | 3.2113% | 1,854 |
| Noninterest income to average assets | 0.7858% | 1,077 |
| Noninterest expense to average assets | 2.9037% | 947 |
| Loan and lease loss provision to assets | 0.1267% | 650 |
| Net operating income to assets | 0.5529% | 3,548 |
| Return on assets (ROA) | 0.5529% | 3,523 |
| Pretax return on assets | 0.7390% | 3,278 |
| Return on Equity (ROE) | 5.5592% | 3,470 |
| Retained earnings to average equity (ytd only) | 4.1545% | 2,882 |
| Net charge-offs to loans | -0.0012% | 3,030 |
| Credit loss provision to net charge-offs | -15,000.0000% | 3,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0323% | 1,403 |
| Assets per employee ($millions) | 4.2823% | 4,260 |
| Cash dividends to net income (ytd only)* | 25.2674% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5899% | 1,301 |
| Loan loss allowance to noncurrent loans | 527.6982% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.3727% | 1,619 |
| Noncurrent loans to loans | 0.3013% | 2,384 |
| Net loans and leases to total assets | 71.3000% | 899 |
| Net loans and leases to deposits | 81.7391% | 1,028 |
| Net loans and leases to core deposits | 84.8492% | 1,196 |
| Total domestic deposits to total assets | 87.2288% | 2,843 |
| Equity capital to assets | 9.6692% | 2,162 |
| Core capital (leverage) ratio | 9.5152% | 2,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4157% | 2,029 |
| Memoranda: | ||
| Average total assets | $1,420,239,500 | 735 |
| Average earning assets | $1,319,601,000 | 733 |
| Average equity | $141,244,000 | 742 |
| Average total loans | $1,033,020,500 | 642 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8850% | 1,656 |
| Cost of funding earning assets | 0.4330% | 1,303 |
| Net interest margin | 3.4520% | 1,876 |
| Noninterest income to average assets | 3.0323% | 180 |
| Noninterest expense to average assets | 4.6811% | 198 |
| Loan and lease loss provision to assets | 0.1312% | 933 |
| Net operating income to assets | 1.0444% | 2,503 |
| Return on assets (ROA) | 1.0444% | 2,582 |
| Pretax return on assets | 1.4151% | 1,999 |
| Return on Equity (ROE) | 9.9904% | 2,522 |
| Retained earnings to average equity (ytd only) | 3.7283% | 3,328 |
| Net charge-offs to loans | 0.1163% | 775 |
| Credit loss provision to net charge-offs | 151.6428% | 1,487 |
| Earnings coverage of net charge-offs (x) | 17.8694% | 1,925 |
| Efficiency ratio | 75.1686% | 1,191 |
| Assets per employee ($millions) | 4.2217% | 4,314 |
| Cash dividends to net income (ytd only)* | 62.6806% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5750% | 1,319 |
| Loan loss allowance to noncurrent loans | 477.3764% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.3920% | 1,657 |
| Noncurrent loans to loans | 0.3299% | 2,405 |
| Net loans and leases to total assets | 71.8767% | 851 |
| Net loans and leases to deposits | 83.2698% | 965 |
| Net loans and leases to core deposits | 86.8053% | 1,155 |
| Total domestic deposits to total assets | 86.3179% | 2,794 |
| Equity capital to assets | 10.2283% | 2,442 |
| Core capital (leverage) ratio | 9.7251% | 2,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6662% | 1,987 |
| Memoranda: | ||
| Average total assets | $1,371,657,600 | 726 |
| Average earning assets | $1,269,618,800 | 730 |
| Average equity | $143,388,200 | 746 |
| Average total loans | $1,020,877,800 | 645 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9415% | 1,663 |
| Cost of funding earning assets | 0.4668% | 1,238 |
| Net interest margin | 3.4747% | 1,942 |
| Noninterest income to average assets | 3.3376% | 174 |
| Noninterest expense to average assets | 4.8143% | 190 |
| Loan and lease loss provision to assets | 0.1319% | 871 |
| Net operating income to assets | 1.1753% | 2,249 |
| Return on assets (ROA) | 1.1753% | 2,310 |
| Pretax return on assets | 1.6042% | 1,688 |
| Return on Equity (ROE) | 11.1810% | 2,319 |
| Retained earnings to average equity (ytd only) | 9.6235% | 1,446 |
| Net charge-offs to loans | 0.0775% | 890 |
| Credit loss provision to net charge-offs | 227.6560% | 1,149 |
| Earnings coverage of net charge-offs (x) | 29.9545% | 1,524 |
| Efficiency ratio | 73.4964% | 1,262 |
| Assets per employee ($millions) | 4.1539% | 4,362 |
| Cash dividends to net income (ytd only)* | 13.9293% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6190% | 1,289 |
| Loan loss allowance to noncurrent loans | 368.8209% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.5115% | 1,490 |
| Noncurrent loans to loans | 0.4390% | 2,242 |
| Net loans and leases to total assets | 71.8866% | 885 |
| Net loans and leases to deposits | 83.7813% | 973 |
| Net loans and leases to core deposits | 87.5466% | 1,183 |
| Total domestic deposits to total assets | 85.8027% | 2,823 |
| Equity capital to assets | 10.8186% | 2,153 |
| Core capital (leverage) ratio | 10.1569% | 2,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4816% | 1,802 |
| Memoranda: | ||
| Average total assets | $1,364,169,500 | 741 |
| Average earning assets | $1,261,341,000 | 744 |
| Average equity | $143,395,000 | 759 |
| Average total loans | $1,020,209,250 | 659 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9068% | 1,796 |
| Cost of funding earning assets | 0.5089% | 1,150 |
| Net interest margin | 3.3979% | 2,146 |
| Noninterest income to average assets | 2.6791% | 221 |
| Noninterest expense to average assets | 4.1357% | 262 |
| Loan and lease loss provision to assets | 0.1323% | 936 |
| Net operating income to assets | 1.1355% | 2,413 |
| Return on assets (ROA) | 1.1355% | 2,476 |
| Pretax return on assets | 1.5496% | 1,873 |
| Return on Equity (ROE) | 10.9102% | 2,451 |
| Retained earnings to average equity (ytd only) | 9.0671% | 1,686 |
| Net charge-offs to loans | 0.1112% | 690 |
| Credit loss provision to net charge-offs | 157.8947% | 1,142 |
| Earnings coverage of net charge-offs (x) | 20.0737% | 1,533 |
| Efficiency ratio | 71.0893% | 1,521 |
| Assets per employee ($millions) | 4.0485% | 4,420 |
| Cash dividends to net income (ytd only)* | 16.8932% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5591% | 1,393 |
| Loan loss allowance to noncurrent loans | 339.9957% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.5573% | 1,499 |
| Noncurrent loans to loans | 0.4586% | 2,301 |
| Net loans and leases to total assets | 73.0723% | 849 |
| Net loans and leases to deposits | 84.5102% | 1,027 |
| Net loans and leases to core deposits | 88.4141% | 1,244 |
| Total domestic deposits to total assets | 86.4657% | 2,567 |
| Equity capital to assets | 10.5638% | 2,340 |
| Core capital (leverage) ratio | 9.8579% | 2,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4565% | 1,817 |
| Memoranda: | ||
| Average total assets | $1,360,581,000 | 738 |
| Average earning assets | $1,256,718,667 | 743 |
| Average equity | $141,610,333 | 765 |
| Average total loans | $1,025,392,667 | 658 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8913% | 1,849 |
| Cost of funding earning assets | 0.5570% | 1,064 |
| Net interest margin | 3.3343% | 2,286 |
| Noninterest income to average assets | 1.7699% | 457 |
| Noninterest expense to average assets | 3.1362% | 793 |
| Loan and lease loss provision to assets | 0.1327% | 1,028 |
| Net operating income to assets | 1.1502% | 2,335 |
| Return on assets (ROA) | 1.1502% | 2,403 |
| Pretax return on assets | 1.5789% | 1,784 |
| Return on Equity (ROE) | 11.1347% | 2,324 |
| Retained earnings to average equity (ytd only) | 10.0729% | 1,632 |
| Net charge-offs to loans | 0.2035% | 402 |
| Credit loss provision to net charge-offs | 85.8779% | 1,184 |
| Earnings coverage of net charge-offs (x) | 11.0782% | 1,470 |
| Efficiency ratio | 64.6941% | 2,381 |
| Assets per employee ($millions) | 4.0862% | 4,424 |
| Cash dividends to net income (ytd only)* | 9.5360% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5316% | 1,500 |
| Loan loss allowance to noncurrent loans | 252.2308% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.6475% | 1,465 |
| Noncurrent loans to loans | 0.6072% | 2,046 |
| Net loans and leases to total assets | 71.6346% | 1,076 |
| Net loans and leases to deposits | 82.7388% | 1,272 |
| Net loans and leases to core deposits | 87.2806% | 1,434 |
| Total domestic deposits to total assets | 86.5793% | 2,491 |
| Equity capital to assets | 10.2039% | 2,519 |
| Core capital (leverage) ratio | 9.7757% | 2,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2644% | 1,825 |
| Memoranda: | ||
| Average total assets | $1,356,678,500 | 739 |
| Average earning assets | $1,252,325,000 | 738 |
| Average equity | $140,139,000 | 762 |
| Average total loans | $1,030,215,000 | 656 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1782% | 2,207 |
| Cost of funding earning assets | 0.8683% | 954 |
| Net interest margin | 3.3099% | 3,044 |
| Noninterest income to average assets | 2.9677% | 198 |
| Noninterest expense to average assets | 3.3528% | 844 |
| Loan and lease loss provision to assets | 0.4027% | 778 |
| Net operating income to assets | 1.6526% | 572 |
| Return on assets (ROA) | 1.6937% | 546 |
| Pretax return on assets | 2.3187% | 250 |
| Return on Equity (ROE) | 16.4105% | 460 |
| Retained earnings to average equity (ytd only) | 5.9595% | 1,811 |
| Net charge-offs to loans | 0.1897% | 896 |
| Credit loss provision to net charge-offs | 258.4442% | 1,895 |
| Earnings coverage of net charge-offs (x) | 17.1315% | 2,093 |
| Efficiency ratio | 55.6409% | 4,027 |
| Assets per employee ($millions) | 4.0289% | 4,353 |
| Cash dividends to net income (ytd only)* | 63.6847% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4732% | 1,679 |
| Loan loss allowance to noncurrent loans | 195.9813% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.7943% | 1,287 |
| Noncurrent loans to loans | 0.7517% | 1,819 |
| Net loans and leases to total assets | 78.0125% | 602 |
| Net loans and leases to deposits | 91.0232% | 849 |
| Net loans and leases to core deposits | 96.2405% | 1,104 |
| Total domestic deposits to total assets | 85.7061% | 2,482 |
| Equity capital to assets | 10.5537% | 2,626 |
| Core capital (leverage) ratio | 9.7927% | 2,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9818% | 2,241 |
| Memoranda: | ||
| Average total assets | $1,254,014,200 | 724 |
| Average earning assets | $1,157,288,800 | 722 |
| Average equity | $129,423,600 | 772 |
| Average total loans | $1,030,169,800 | 619 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1719% | 2,461 |
| Cost of funding earning assets | 0.9577% | 886 |
| Net interest margin | 3.2142% | 3,449 |
| Noninterest income to average assets | 3.0129% | 185 |
| Noninterest expense to average assets | 3.2684% | 954 |
| Loan and lease loss provision to assets | 0.3832% | 957 |
| Net operating income to assets | 1.6988% | 573 |
| Return on assets (ROA) | 1.7544% | 570 |
| Pretax return on assets | 2.4025% | 244 |
| Return on Equity (ROE) | 17.1023% | 438 |
| Retained earnings to average equity (ytd only) | 4.2398% | 2,930 |
| Net charge-offs to loans | 0.2342% | 653 |
| Credit loss provision to net charge-offs | 197.2222% | 2,125 |
| Earnings coverage of net charge-offs (x) | 13.9744% | 2,172 |
| Efficiency ratio | 54.5876% | 4,087 |
| Assets per employee ($millions) | 4.0112% | 4,304 |
| Cash dividends to net income (ytd only)* | 75.2092% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4113% | 1,695 |
| Loan loss allowance to noncurrent loans | 112.5653% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 1.1976% | 841 |
| Noncurrent loans to loans | 1.2538% | 1,202 |
| Net loans and leases to total assets | 78.7174% | 747 |
| Net loans and leases to deposits | 92.0937% | 1,062 |
| Net loans and leases to core deposits | 97.6669% | 1,335 |
| Total domestic deposits to total assets | 85.4753% | 2,257 |
| Equity capital to assets | 10.3413% | 2,926 |
| Core capital (leverage) ratio | 9.7138% | 3,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5497% | 2,392 |
| Memoranda: | ||
| Average total assets | $1,235,137,500 | 722 |
| Average earning assets | $1,141,605,250 | 721 |
| Average equity | $126,701,000 | 773 |
| Average total loans | $1,024,537,250 | 618 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3087% | 2,451 |
| Cost of funding earning assets | 1.0298% | 898 |
| Net interest margin | 3.2789% | 3,439 |
| Noninterest income to average assets | 2.6286% | 204 |
| Noninterest expense to average assets | 3.3973% | 850 |
| Loan and lease loss provision to assets | 0.3397% | 1,260 |
| Net operating income to assets | 1.3974% | 1,120 |
| Return on assets (ROA) | 1.4827% | 1,036 |
| Pretax return on assets | 2.0319% | 511 |
| Return on Equity (ROE) | 14.4972% | 790 |
| Retained earnings to average equity (ytd only) | -4.7066% | 4,760 |
| Net charge-offs to loans | 0.1031% | 1,250 |
| Credit loss provision to net charge-offs | 391.9694% | 1,425 |
| Earnings coverage of net charge-offs (x) | 26.1185% | 1,535 |
| Efficiency ratio | 59.9760% | 3,415 |
| Assets per employee ($millions) | 3.9052% | 4,390 |
| Cash dividends to net income (ytd only)* | 132.4654% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3942% | 1,606 |
| Loan loss allowance to noncurrent loans | 169.1375% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.8972% | 1,364 |
| Noncurrent loans to loans | 0.8243% | 1,849 |
| Net loans and leases to total assets | 82.3942% | 386 |
| Net loans and leases to deposits | 95.3310% | 850 |
| Net loans and leases to core deposits | 101.5717% | 1,146 |
| Total domestic deposits to total assets | 86.4297% | 1,831 |
| Equity capital to assets | 10.2626% | 2,957 |
| Core capital (leverage) ratio | 9.4450% | 3,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9982% | 2,613 |
| Memoranda: | ||
| Average total assets | $1,206,959,667 | 728 |
| Average earning assets | $1,116,166,667 | 724 |
| Average equity | $123,444,333 | 781 |
| Average total loans | $1,014,822,333 | 613 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4225% | 2,532 |
| Cost of funding earning assets | 1.1325% | 952 |
| Net interest margin | 3.2901% | 3,613 |
| Noninterest income to average assets | 1.8248% | 298 |
| Noninterest expense to average assets | 3.1805% | 1,467 |
| Loan and lease loss provision to assets | 0.1862% | 1,609 |
| Net operating income to assets | 1.0982% | 1,848 |
| Return on assets (ROA) | 1.1776% | 1,711 |
| Pretax return on assets | 1.6004% | 1,052 |
| Return on Equity (ROE) | 11.5349% | 1,252 |
| Retained earnings to average equity (ytd only) | -24.6779% | 5,006 |
| Net charge-offs to loans | 0.1521% | 850 |
| Credit loss provision to net charge-offs | 145.1187% | 1,598 |
| Earnings coverage of net charge-offs (x) | 13.1425% | 1,667 |
| Efficiency ratio | 65.3127% | 3,050 |
| Assets per employee ($millions) | 3.9633% | 3,964 |
| Cash dividends to net income (ytd only)* | 313.9408% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 2,147 |
| Loan loss allowance to noncurrent loans | 198.3585% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.7629% | 1,771 |
| Noncurrent loans to loans | 0.6562% | 2,351 |
| Net loans and leases to total assets | 82.5717% | 387 |
| Net loans and leases to deposits | 99.1077% | 619 |
| Net loans and leases to core deposits | 105.8275% | 1,070 |
| Total domestic deposits to total assets | 83.3151% | 3,010 |
| Equity capital to assets | 9.9277% | 3,852 |
| Core capital (leverage) ratio | 9.9938% | 3,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8077% | 2,790 |
| Memoranda: | ||
| Average total assets | $1,181,708,000 | 706 |
| Average earning assets | $1,092,498,000 | 702 |
| Average equity | $120,642,500 | 792 |
| Average total loans | $996,870,500 | 597 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5436% | 2,800 |
| Cost of funding earning assets | 1.2722% | 833 |
| Net interest margin | 3.2714% | 4,044 |
| Noninterest income to average assets | 1.4826% | 420 |
| Noninterest expense to average assets | 3.2215% | 1,470 |
| Loan and lease loss provision to assets | 0.1595% | 1,313 |
| Net operating income to assets | 0.8670% | 3,329 |
| Return on assets (ROA) | 0.8761% | 3,381 |
| Pretax return on assets | 1.1728% | 2,938 |
| Return on Equity (ROE) | 8.5717% | 2,918 |
| Retained earnings to average equity (ytd only) | 6.3213% | 1,709 |
| Net charge-offs to loans | 0.0234% | 2,938 |
| Credit loss provision to net charge-offs | 814.4796% | 406 |
| Earnings coverage of net charge-offs (x) | 67.4480% | 903 |
| Efficiency ratio | 70.8743% | 2,037 |
| Assets per employee ($millions) | 3.7344% | 4,226 |
| Cash dividends to net income (ytd only)* | 26.2540% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2763% | 2,039 |
| Loan loss allowance to noncurrent loans | 185.2814% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.8247% | 1,562 |
| Noncurrent loans to loans | 0.6888% | 2,162 |
| Net loans and leases to total assets | 84.0177% | 316 |
| Net loans and leases to deposits | 98.7905% | 689 |
| Net loans and leases to core deposits | 108.2715% | 960 |
| Total domestic deposits to total assets | 85.0463% | 2,475 |
| Equity capital to assets | 10.5098% | 3,436 |
| Core capital (leverage) ratio | 9.8859% | 3,631 |
| Tier 1 risk-based capital ratio | 12.0213% | 4,356 |
| Total risk-based capital ratio | 13.2726% | 4,223 |
| Memoranda: | ||
| Average total assets | $1,128,595,000 | 703 |
| Average earning assets | $1,055,535,000 | 686 |
| Average equity | $115,356,600 | 788 |
| Average total loans | $944,409,800 | 607 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5145% | 3,015 |
| Cost of funding earning assets | 1.2701% | 862 |
| Net interest margin | 3.2443% | 4,200 |
| Noninterest income to average assets | 1.5200% | 396 |
| Noninterest expense to average assets | 3.1706% | 1,526 |
| Loan and lease loss provision to assets | 0.1600% | 1,173 |
| Net operating income to assets | 0.9116% | 3,307 |
| Return on assets (ROA) | 0.9238% | 3,332 |
| Pretax return on assets | 1.2401% | 2,852 |
| Return on Equity (ROE) | 9.1031% | 2,845 |
| Retained earnings to average equity (ytd only) | 7.1575% | 1,784 |
| Net charge-offs to loans | 0.0158% | 2,838 |
| Credit loss provision to net charge-offs | 1,216.2162% | 296 |
| Earnings coverage of net charge-offs (x) | 105.2586% | 723 |
| Efficiency ratio | 69.5536% | 2,181 |
| Assets per employee ($millions) | 3.7024% | 4,274 |
| Cash dividends to net income (ytd only)* | 21.3727% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2618% | 2,161 |
| Loan loss allowance to noncurrent loans | 162.1273% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.8692% | 1,577 |
| Noncurrent loans to loans | 0.7783% | 2,023 |
| Net loans and leases to total assets | 83.1089% | 437 |
| Net loans and leases to deposits | 98.2698% | 791 |
| Net loans and leases to core deposits | 108.5149% | 1,020 |
| Total domestic deposits to total assets | 84.5721% | 2,596 |
| Equity capital to assets | 10.4533% | 3,581 |
| Core capital (leverage) ratio | 9.8061% | 3,847 |
| Tier 1 risk-based capital ratio | 12.1816% | 4,325 |
| Total risk-based capital ratio | 13.4328% | 4,209 |
| Memoranda: | ||
| Average total assets | $1,125,063,000 | 707 |
| Average earning assets | $1,052,555,750 | 691 |
| Average equity | $114,171,250 | 794 |
| Average total loans | $937,386,750 | 609 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4550% | 3,167 |
| Cost of funding earning assets | 1.2448% | 882 |
| Net interest margin | 3.2103% | 4,344 |
| Noninterest income to average assets | 1.3641% | 472 |
| Noninterest expense to average assets | 3.1839% | 1,543 |
| Loan and lease loss provision to assets | 0.1605% | 1,127 |
| Net operating income to assets | 0.7691% | 3,756 |
| Return on assets (ROA) | 0.7708% | 3,817 |
| Pretax return on assets | 1.0268% | 3,458 |
| Return on Equity (ROE) | 7.6734% | 3,428 |
| Retained earnings to average equity (ytd only) | 5.3701% | 2,586 |
| Net charge-offs to loans | 0.0137% | 2,645 |
| Credit loss provision to net charge-offs | 1,406.2500% | 252 |
| Earnings coverage of net charge-offs (x) | 103.8125% | 678 |
| Efficiency ratio | 72.8208% | 1,802 |
| Assets per employee ($millions) | 3.5842% | 4,395 |
| Cash dividends to net income (ytd only)* | 30.0162% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2433% | 2,289 |
| Loan loss allowance to noncurrent loans | 201.7811% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.7712% | 1,807 |
| Noncurrent loans to loans | 0.6162% | 2,416 |
| Net loans and leases to total assets | 82.3544% | 552 |
| Net loans and leases to deposits | 96.0463% | 1,028 |
| Net loans and leases to core deposits | 106.1348% | 1,239 |
| Total domestic deposits to total assets | 85.7445% | 2,161 |
| Equity capital to assets | 10.2646% | 3,731 |
| Core capital (leverage) ratio | 9.5606% | 4,092 |
| Tier 1 risk-based capital ratio | 12.0336% | 4,394 |
| Total risk-based capital ratio | 13.2846% | 4,283 |
| Memoranda: | ||
| Average total assets | $1,121,202,330 | 701 |
| Average earning assets | $1,049,506,330 | 693 |
| Average equity | $112,622,670 | 797 |
| Average total loans | $930,940,670 | 618 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3476% | 3,408 |
| Cost of funding earning assets | 1.2013% | 899 |
| Net interest margin | 3.1463% | 4,504 |
| Noninterest income to average assets | 1.1760% | 588 |
| Noninterest expense to average assets | 3.2166% | 1,460 |
| Loan and lease loss provision to assets | 0.1608% | 1,050 |
| Net operating income to assets | 0.5723% | 4,326 |
| Return on assets (ROA) | 0.5723% | 4,357 |
| Pretax return on assets | 0.7445% | 4,187 |
| Return on Equity (ROE) | 5.7604% | 4,094 |
| Retained earnings to average equity (ytd only) | 4.4363% | 3,154 |
| Net charge-offs to loans | 0.0091% | 2,372 |
| Credit loss provision to net charge-offs | 2,142.8571% | 204 |
| Earnings coverage of net charge-offs (x) | 120.6190% | 586 |
| Efficiency ratio | 77.9830% | 1,267 |
| Assets per employee ($millions) | 3.5855% | 4,481 |
| Cash dividends to net income (ytd only)* | 22.9856% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2115% | 2,514 |
| Loan loss allowance to noncurrent loans | 185.1554% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.8125% | 1,743 |
| Noncurrent loans to loans | 0.6543% | 2,379 |
| Net loans and leases to total assets | 82.3644% | 545 |
| Net loans and leases to deposits | 95.1445% | 1,048 |
| Net loans and leases to core deposits | 106.0576% | 1,169 |
| Total domestic deposits to total assets | 86.5677% | 2,030 |
| Equity capital to assets | 10.0766% | 3,745 |
| Core capital (leverage) ratio | 9.5188% | 4,111 |
| Tier 1 risk-based capital ratio | 11.8249% | 4,552 |
| Total risk-based capital ratio | 13.0753% | 4,454 |
| Memoranda: | ||
| Average total assets | $1,119,076,500 | 709 |
| Average earning assets | $1,047,837,500 | 696 |
| Average equity | $111,172,500 | 799 |
| Average total loans | $927,146,000 | 624 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3156% | 3,057 |
| Cost of funding earning assets | 0.9697% | 841 |
| Net interest margin | 3.3459% | 4,137 |
| Noninterest income to average assets | 1.3414% | 506 |
| Noninterest expense to average assets | 3.3585% | 1,212 |
| Loan and lease loss provision to assets | 0.1668% | 1,213 |
| Net operating income to assets | 0.7189% | 4,086 |
| Return on assets (ROA) | 0.7241% | 4,066 |
| Pretax return on assets | 0.9574% | 3,733 |
| Return on Equity (ROE) | 7.2931% | 3,735 |
| Retained earnings to average equity (ytd only) | 4.8247% | 2,876 |
| Net charge-offs to loans | 0.1346% | 1,410 |
| Credit loss provision to net charge-offs | 149.0066% | 1,846 |
| Earnings coverage of net charge-offs (x) | 9.9818% | 2,767 |
| Efficiency ratio | 74.9788% | 1,500 |
| Assets per employee ($millions) | 3.5767% | 4,471 |
| Cash dividends to net income (ytd only)* | 33.8454% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1716% | 2,716 |
| Loan loss allowance to noncurrent loans | 217.2248% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.7309% | 1,894 |
| Noncurrent loans to loans | 0.5394% | 2,658 |
| Net loans and leases to total assets | 81.3631% | 757 |
| Net loans and leases to deposits | 100.3990% | 709 |
| Net loans and leases to core deposits | 110.7169% | 958 |
| Total domestic deposits to total assets | 81.0398% | 3,879 |
| Equity capital to assets | 9.7931% | 3,867 |
| Core capital (leverage) ratio | 9.6175% | 3,986 |
| Tier 1 risk-based capital ratio | 11.7443% | 4,596 |
| Total risk-based capital ratio | 12.9836% | 4,481 |
| Memoranda: | ||
| Average total assets | $1,078,834,600 | 710 |
| Average earning assets | $1,010,747,200 | 697 |
| Average equity | $107,115,000 | 797 |
| Average total loans | $897,304,800 | 616 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3013% | 2,956 |
| Cost of funding earning assets | 0.9246% | 818 |
| Net interest margin | 3.3767% | 4,075 |
| Noninterest income to average assets | 1.4170% | 471 |
| Noninterest expense to average assets | 3.3961% | 1,127 |
| Loan and lease loss provision to assets | 0.1686% | 1,113 |
| Net operating income to assets | 0.7850% | 3,957 |
| Return on assets (ROA) | 0.7919% | 3,944 |
| Pretax return on assets | 1.0262% | 3,645 |
| Return on Equity (ROE) | 7.9473% | 3,569 |
| Retained earnings to average equity (ytd only) | 5.7970% | 2,758 |
| Net charge-offs to loans | 0.1372% | 1,181 |
| Credit loss provision to net charge-offs | 147.3799% | 1,734 |
| Earnings coverage of net charge-offs (x) | 10.3690% | 2,590 |
| Efficiency ratio | 74.0653% | 1,585 |
| Assets per employee ($millions) | 3.4123% | 4,667 |
| Cash dividends to net income (ytd only)* | 27.0577% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 2,677 |
| Loan loss allowance to noncurrent loans | 204.7765% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.7677% | 1,937 |
| Noncurrent loans to loans | 0.5813% | 2,637 |
| Net loans and leases to total assets | 82.6937% | 603 |
| Net loans and leases to deposits | 98.8781% | 872 |
| Net loans and leases to core deposits | 106.7495% | 1,251 |
| Total domestic deposits to total assets | 83.6319% | 3,068 |
| Equity capital to assets | 10.1370% | 3,503 |
| Core capital (leverage) ratio | 9.6212% | 4,029 |
| Tier 1 risk-based capital ratio | 12.0696% | 4,463 |
| Total risk-based capital ratio | 13.3198% | 4,348 |
| Memoranda: | ||
| Average total assets | $1,067,775,500 | 716 |
| Average earning assets | $1,000,877,500 | 705 |
| Average equity | $106,398,000 | 800 |
| Average total loans | $890,481,500 | 615 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2156% | 3,066 |
| Cost of funding earning assets | 0.8811% | 788 |
| Net interest margin | 3.3345% | 4,145 |
| Noninterest income to average assets | 1.4032% | 482 |
| Noninterest expense to average assets | 3.4405% | 1,085 |
| Loan and lease loss provision to assets | 0.1688% | 1,091 |
| Net operating income to assets | 0.7167% | 4,151 |
| Return on assets (ROA) | 0.7182% | 4,151 |
| Pretax return on assets | 0.9243% | 3,893 |
| Return on Equity (ROE) | 7.2497% | 3,817 |
| Retained earnings to average equity (ytd only) | 4.6925% | 3,238 |
| Net charge-offs to loans | 0.0700% | 1,640 |
| Credit loss provision to net charge-offs | 289.3891% | 1,029 |
| Earnings coverage of net charge-offs (x) | 18.7106% | 1,884 |
| Efficiency ratio | 75.8711% | 1,443 |
| Assets per employee ($millions) | 3.2186% | 4,913 |
| Cash dividends to net income (ytd only)* | 35.2742% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2022% | 2,699 |
| Loan loss allowance to noncurrent loans | 136.7079% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.8243% | 1,815 |
| Noncurrent loans to loans | 0.8794% | 1,973 |
| Net loans and leases to total assets | 82.7923% | 610 |
| Net loans and leases to deposits | 98.9459% | 887 |
| Net loans and leases to core deposits | 107.3223% | 1,161 |
| Total domestic deposits to total assets | 83.6743% | 3,185 |
| Equity capital to assets | 9.9514% | 3,674 |
| Core capital (leverage) ratio | 9.4082% | 4,236 |
| Tier 1 risk-based capital ratio | 11.7764% | 4,636 |
| Total risk-based capital ratio | 13.0263% | 4,515 |
| Memoranda: | ||
| Average total assets | $1,066,544,000 | 719 |
| Average earning assets | $1,000,619,000 | 704 |
| Average equity | $105,659,000 | 804 |
| Average total loans | $888,404,330 | 617 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1292% | 3,132 |
| Cost of funding earning assets | 0.8176% | 885 |
| Net interest margin | 3.3116% | 4,158 |
| Noninterest income to average assets | 1.2256% | 616 |
| Noninterest expense to average assets | 3.5285% | 948 |
| Loan and lease loss provision to assets | 0.1694% | 1,048 |
| Net operating income to assets | 0.5091% | 4,668 |
| Return on assets (ROA) | 0.5121% | 4,663 |
| Pretax return on assets | 0.6367% | 4,598 |
| Return on Equity (ROE) | 5.1810% | 4,428 |
| Retained earnings to average equity (ytd only) | 4.0381% | 3,582 |
| Net charge-offs to loans | 0.0358% | 1,807 |
| Credit loss provision to net charge-offs | 569.6203% | 537 |
| Earnings coverage of net charge-offs (x) | 26.9747% | 1,307 |
| Efficiency ratio | 81.4206% | 1,008 |
| Assets per employee ($millions) | 3.1964% | 5,005 |
| Cash dividends to net income (ytd only)* | 22.0588% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1913% | 2,859 |
| Loan loss allowance to noncurrent loans | 153.7971% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.6941% | 2,243 |
| Noncurrent loans to loans | 0.7746% | 2,267 |
| Net loans and leases to total assets | 82.9408% | 541 |
| Net loans and leases to deposits | 98.8881% | 794 |
| Net loans and leases to core deposits | 110.5893% | 963 |
| Total domestic deposits to total assets | 83.8734% | 3,381 |
| Equity capital to assets | 9.9474% | 3,647 |
| Core capital (leverage) ratio | 9.3903% | 4,203 |
| Tier 1 risk-based capital ratio | 11.7182% | 4,730 |
| Total risk-based capital ratio | 12.9682% | 4,616 |
| Memoranda: | ||
| Average total assets | $1,062,316,500 | 722 |
| Average earning assets | $996,129,000 | 711 |
| Average equity | $105,000,000 | 810 |
| Average total loans | $882,183,500 | 625 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1062% | 3,036 |
| Cost of funding earning assets | 0.6936% | 1,064 |
| Net interest margin | 3.4126% | 3,810 |
| Noninterest income to average assets | 1.5918% | 411 |
| Noninterest expense to average assets | 3.7451% | 742 |
| Loan and lease loss provision to assets | 0.1810% | 1,185 |
| Net operating income to assets | 0.4962% | 4,388 |
| Return on assets (ROA) | 0.4962% | 4,422 |
| Pretax return on assets | 0.8376% | 4,131 |
| Return on Equity (ROE) | 5.5795% | 3,931 |
| Retained earnings to average equity (ytd only) | 4.2906% | 2,585 |
| Net charge-offs to loans | 0.0095% | 3,754 |
| Credit loss provision to net charge-offs | 2,307.6923% | 165 |
| Earnings coverage of net charge-offs (x) | 129.8846% | 525 |
| Efficiency ratio | 78.5652% | 1,276 |
| Assets per employee ($millions) | 3.0297% | 5,175 |
| Cash dividends to net income (ytd only)* | 23.1003% | 3,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1723% | 2,936 |
| Loan loss allowance to noncurrent loans | 133.6596% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.7737% | 2,016 |
| Noncurrent loans to loans | 0.8771% | 2,030 |
| Net loans and leases to total assets | 81.1848% | 804 |
| Net loans and leases to deposits | 96.8856% | 1,001 |
| Net loans and leases to core deposits | 108.2942% | 1,108 |
| Total domestic deposits to total assets | 83.7945% | 3,280 |
| Equity capital to assets | 9.8209% | 3,896 |
| Core capital (leverage) ratio | 9.5401% | 3,991 |
| Tier 1 risk-based capital ratio | 11.5663% | 4,809 |
| Total risk-based capital ratio | 12.7892% | 4,719 |
| Memoranda: | ||
| Average total assets | $994,632,200 | 741 |
| Average earning assets | $924,447,800 | 738 |
| Average equity | $88,449,000 | 917 |
| Average total loans | $817,966,000 | 645 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1040% | 2,972 |
| Cost of funding earning assets | 0.6715% | 1,115 |
| Net interest margin | 3.4325% | 3,729 |
| Noninterest income to average assets | 1.6823% | 401 |
| Noninterest expense to average assets | 3.7342% | 736 |
| Loan and lease loss provision to assets | 0.1842% | 1,071 |
| Net operating income to assets | 0.6483% | 4,196 |
| Return on assets (ROA) | 0.6483% | 4,252 |
| Pretax return on assets | 0.9498% | 3,870 |
| Return on Equity (ROE) | 7.5039% | 3,389 |
| Retained earnings to average equity (ytd only) | 6.1888% | 2,112 |
| Net charge-offs to loans | 0.0090% | 3,407 |
| Credit loss provision to net charge-offs | 2,500.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 153.9406% | 526 |
| Efficiency ratio | 76.6532% | 1,503 |
| Assets per employee ($millions) | 2.8751% | 5,337 |
| Cash dividends to net income (ytd only)* | 17.5258% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1686% | 3,096 |
| Loan loss allowance to noncurrent loans | 148.9830% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.6754% | 2,474 |
| Noncurrent loans to loans | 0.7844% | 2,402 |
| Net loans and leases to total assets | 82.0196% | 680 |
| Net loans and leases to deposits | 97.6157% | 956 |
| Net loans and leases to core deposits | 111.5985% | 943 |
| Total domestic deposits to total assets | 84.0229% | 3,116 |
| Equity capital to assets | 8.5699% | 5,239 |
| Core capital (leverage) ratio | 8.0267% | 5,509 |
| Tier 1 risk-based capital ratio | 9.9841% | 5,605 |
| Total risk-based capital ratio | 11.2289% | 5,568 |
| Memoranda: | ||
| Average total assets | $977,435,750 | 761 |
| Average earning assets | $907,179,000 | 754 |
| Average equity | $84,452,000 | 971 |
| Average total loans | $804,063,750 | 655 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0691% | 2,942 |
| Cost of funding earning assets | 0.6431% | 1,190 |
| Net interest margin | 3.4259% | 3,677 |
| Noninterest income to average assets | 1.7414% | 386 |
| Noninterest expense to average assets | 3.7906% | 680 |
| Loan and lease loss provision to assets | 0.1864% | 1,016 |
| Net operating income to assets | 0.6475% | 4,097 |
| Return on assets (ROA) | 0.6475% | 4,147 |
| Pretax return on assets | 0.9398% | 3,797 |
| Return on Equity (ROE) | 7.4725% | 3,300 |
| Retained earnings to average equity (ytd only) | 6.1463% | 2,038 |
| Net charge-offs to loans | 0.0366% | 2,464 |
| Credit loss provision to net charge-offs | 620.6897% | 552 |
| Earnings coverage of net charge-offs (x) | 37.5103% | 1,300 |
| Efficiency ratio | 77.0403% | 1,579 |
| Assets per employee ($millions) | 2.7396% | 5,454 |
| Cash dividends to net income (ytd only)* | 17.7486% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1348% | 3,396 |
| Loan loss allowance to noncurrent loans | 163.2172% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 0.6097% | 2,734 |
| Noncurrent loans to loans | 0.6953% | 2,667 |
| Net loans and leases to total assets | 81.9240% | 676 |
| Net loans and leases to deposits | 97.2268% | 966 |
| Net loans and leases to core deposits | 105.4877% | 1,265 |
| Total domestic deposits to total assets | 84.2607% | 3,105 |
| Equity capital to assets | 8.6715% | 5,175 |
| Core capital (leverage) ratio | 8.0694% | 5,500 |
| Tier 1 risk-based capital ratio | 9.9860% | 5,633 |
| Total risk-based capital ratio | 11.1831% | 5,607 |
| Memoranda: | ||
| Average total assets | $965,907,000 | 777 |
| Average earning assets | $895,294,000 | 766 |
| Average equity | $83,693,000 | 979 |
| Average total loans | $792,128,000 | 664 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9999% | 3,043 |
| Cost of funding earning assets | 0.6272% | 1,209 |
| Net interest margin | 3.3727% | 3,743 |
| Noninterest income to average assets | 1.6691% | 407 |
| Noninterest expense to average assets | 3.8416% | 649 |
| Loan and lease loss provision to assets | 0.1883% | 891 |
| Net operating income to assets | 0.5365% | 4,437 |
| Return on assets (ROA) | 0.5365% | 4,479 |
| Pretax return on assets | 0.7563% | 4,270 |
| Return on Equity (ROE) | 6.1948% | 3,814 |
| Retained earnings to average equity (ytd only) | 4.8563% | 2,982 |
| Net charge-offs to loans | -0.0036% | 4,098 |
| Credit loss provision to net charge-offs | -6,428.5714% | 4,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2116% | 1,357 |
| Assets per employee ($millions) | 2.7084% | 5,534 |
| Cash dividends to net income (ytd only)* | 21.6069% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1505% | 3,410 |
| Loan loss allowance to noncurrent loans | 312.5348% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 3,790 |
| Noncurrent loans to loans | 0.3681% | 3,774 |
| Net loans and leases to total assets | 80.6625% | 741 |
| Net loans and leases to deposits | 90.8148% | 1,446 |
| Net loans and leases to core deposits | 99.2286% | 1,564 |
| Total domestic deposits to total assets | 88.8209% | 1,244 |
| Equity capital to assets | 8.7042% | 5,072 |
| Core capital (leverage) ratio | 8.0939% | 5,511 |
| Tier 1 risk-based capital ratio | 9.9584% | 5,707 |
| Total risk-based capital ratio | 11.1380% | 5,697 |
| Memoranda: | ||
| Average total assets | $955,741,000 | 789 |
| Average earning assets | $883,315,000 | 779 |
| Average equity | $82,778,500 | 986 |
| Average total loans | $779,572,000 | 676 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1707% | 2,583 |
| Cost of funding earning assets | 0.6106% | 1,273 |
| Net interest margin | 3.5602% | 3,220 |
| Noninterest income to average assets | 2.0999% | 327 |
| Noninterest expense to average assets | 4.0447% | 565 |
| Loan and lease loss provision to assets | 0.1969% | 1,183 |
| Net operating income to assets | 0.7732% | 3,438 |
| Return on assets (ROA) | 0.7546% | 3,633 |
| Pretax return on assets | 1.0993% | 3,108 |
| Return on Equity (ROE) | 8.6416% | 2,596 |
| Retained earnings to average equity (ytd only) | -5.3852% | 5,689 |
| Net charge-offs to loans | 0.0778% | 2,573 |
| Credit loss provision to net charge-offs | 316.9014% | 938 |
| Earnings coverage of net charge-offs (x) | 21.2940% | 1,797 |
| Efficiency ratio | 75.2976% | 2,096 |
| Assets per employee ($millions) | 2.7376% | 5,535 |
| Cash dividends to net income (ytd only)* | 162.3169% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0936% | 3,747 |
| Loan loss allowance to noncurrent loans | 263.6645% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.4973% | 3,268 |
| Noncurrent loans to loans | 0.4148% | 3,659 |
| Net loans and leases to total assets | 80.6415% | 792 |
| Net loans and leases to deposits | 91.7403% | 1,487 |
| Net loans and leases to core deposits | 101.6423% | 1,472 |
| Total domestic deposits to total assets | 87.9020% | 1,680 |
| Equity capital to assets | 8.6182% | 5,178 |
| Core capital (leverage) ratio | 7.9524% | 5,639 |
| Tier 1 risk-based capital ratio | 9.9797% | 5,743 |
| Total risk-based capital ratio | 11.1131% | 5,740 |
| Memoranda: | ||
| Average total assets | $914,010,800 | 786 |
| Average earning assets | $839,037,200 | 781 |
| Average equity | $79,812,000 | 990 |
| Average total loans | $729,956,400 | 689 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0397% | 3,074 |
| Cost of funding earning assets | 0.6010% | 1,320 |
| Net interest margin | 3.4387% | 3,712 |
| Noninterest income to average assets | 2.2979% | 291 |
| Noninterest expense to average assets | 4.0716% | 539 |
| Loan and lease loss provision to assets | 0.1992% | 1,064 |
| Net operating income to assets | 0.8017% | 3,358 |
| Return on assets (ROA) | 0.8115% | 3,454 |
| Pretax return on assets | 1.1994% | 2,840 |
| Return on Equity (ROE) | 9.2614% | 2,377 |
| Retained earnings to average equity (ytd only) | -9.1216% | 5,838 |
| Net charge-offs to loans | 0.1150% | 1,796 |
| Credit loss provision to net charge-offs | 218.0937% | 1,350 |
| Earnings coverage of net charge-offs (x) | 15.1551% | 2,198 |
| Efficiency ratio | 74.5788% | 2,174 |
| Assets per employee ($millions) | 2.7430% | 5,585 |
| Cash dividends to net income (ytd only)* | 198.4910% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 4,124 |
| Loan loss allowance to noncurrent loans | 148.4540% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.9606% | 2,154 |
| Noncurrent loans to loans | 0.7072% | 2,914 |
| Net loans and leases to total assets | 79.6262% | 942 |
| Net loans and leases to deposits | 97.4000% | 910 |
| Net loans and leases to core deposits | 109.9380% | 919 |
| Total domestic deposits to total assets | 81.7517% | 4,023 |
| Equity capital to assets | 8.3716% | 5,595 |
| Core capital (leverage) ratio | 7.6166% | 5,808 |
| Tier 1 risk-based capital ratio | 9.4534% | 5,886 |
| Total risk-based capital ratio | 10.5287% | 5,901 |
| Memoranda: | ||
| Average total assets | $903,658,250 | 797 |
| Average earning assets | $829,867,250 | 793 |
| Average equity | $79,180,000 | 1,001 |
| Average total loans | $717,699,250 | 700 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0155% | 3,185 |
| Cost of funding earning assets | 0.5935% | 1,369 |
| Net interest margin | 3.4221% | 3,792 |
| Noninterest income to average assets | 2.2818% | 289 |
| Noninterest expense to average assets | 4.0805% | 543 |
| Loan and lease loss provision to assets | 0.2026% | 1,059 |
| Net operating income to assets | 0.7737% | 3,429 |
| Return on assets (ROA) | 0.7887% | 3,515 |
| Pretax return on assets | 1.1606% | 2,942 |
| Return on Equity (ROE) | 8.8609% | 2,553 |
| Retained earnings to average equity (ytd only) | -18.7459% | 5,965 |
| Net charge-offs to loans | 0.0823% | 2,026 |
| Credit loss provision to net charge-offs | 311.4187% | 938 |
| Earnings coverage of net charge-offs (x) | 20.6159% | 1,719 |
| Efficiency ratio | 75.2097% | 2,195 |
| Assets per employee ($millions) | 2.5776% | 5,747 |
| Cash dividends to net income (ytd only)* | 311.5582% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0729% | 4,094 |
| Loan loss allowance to noncurrent loans | 135.8679% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 1.0542% | 2,015 |
| Noncurrent loans to loans | 0.7897% | 2,774 |
| Net loans and leases to total assets | 79.1391% | 1,044 |
| Net loans and leases to deposits | 95.2755% | 1,160 |
| Net loans and leases to core deposits | 106.3420% | 1,151 |
| Total domestic deposits to total assets | 83.0634% | 3,625 |
| Equity capital to assets | 8.4371% | 5,633 |
| Core capital (leverage) ratio | 7.8220% | 5,813 |
| Tier 1 risk-based capital ratio | 9.5256% | 5,942 |
| Total risk-based capital ratio | 10.6243% | 5,955 |
| Memoranda: | ||
| Average total assets | $888,522,670 | 813 |
| Average earning assets | $815,232,330 | 814 |
| Average equity | $79,089,330 | 1,005 |
| Average total loans | $702,358,330 | 716 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0335% | 3,099 |
| Cost of funding earning assets | 0.5897% | 1,410 |
| Net interest margin | 3.4437% | 3,697 |
| Noninterest income to average assets | 2.1721% | 304 |
| Noninterest expense to average assets | 4.2833% | 461 |
| Loan and lease loss provision to assets | 0.2063% | 947 |
| Net operating income to assets | 0.5921% | 4,216 |
| Return on assets (ROA) | 0.6087% | 4,262 |
| Pretax return on assets | 0.8590% | 4,008 |
| Return on Equity (ROE) | 6.6553% | 3,638 |
| Retained earnings to average equity (ytd only) | -46.2416% | 6,070 |
| Net charge-offs to loans | -0.0047% | 4,271 |
| Credit loss provision to net charge-offs | -5,625.0000% | 5,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3839% | 1,562 |
| Assets per employee ($millions) | 2.4555% | 5,869 |
| Cash dividends to net income (ytd only)* | 794.8042% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 3,805 |
| Loan loss allowance to noncurrent loans | 63.3849% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 1.8740% | 966 |
| Noncurrent loans to loans | 1.8054% | 1,230 |
| Net loans and leases to total assets | 77.4076% | 1,188 |
| Net loans and leases to deposits | 88.1293% | 1,811 |
| Net loans and leases to core deposits | 98.7575% | 1,582 |
| Total domestic deposits to total assets | 87.8341% | 1,731 |
| Equity capital to assets | 8.7155% | 5,409 |
| Core capital (leverage) ratio | 7.7694% | 5,858 |
| Tier 1 risk-based capital ratio | 10.0404% | 5,902 |
| Total risk-based capital ratio | 11.2073% | 5,886 |
| Memoranda: | ||
| Average total assets | $872,688,500 | 834 |
| Average earning assets | $799,016,000 | 835 |
| Average equity | $79,815,500 | 997 |
| Average total loans | $685,473,000 | 729 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2111% | 2,521 |
| Cost of funding earning assets | 0.5725% | 1,577 |
| Net interest margin | 3.6387% | 2,985 |
| Noninterest income to average assets | 2.0220% | 353 |
| Noninterest expense to average assets | 4.2913% | 494 |
| Loan and lease loss provision to assets | 0.2085% | 1,011 |
| Net operating income to assets | 0.5918% | 4,312 |
| Return on assets (ROA) | 0.6155% | 4,295 |
| Pretax return on assets | 0.8773% | 3,929 |
| Return on Equity (ROE) | 6.4622% | 3,803 |
| Retained earnings to average equity (ytd only) | 5.3724% | 2,155 |
| Net charge-offs to loans | 0.0401% | 3,423 |
| Credit loss provision to net charge-offs | 676.6917% | 498 |
| Earnings coverage of net charge-offs (x) | 34.1316% | 1,326 |
| Efficiency ratio | 80.2598% | 1,635 |
| Assets per employee ($millions) | 2.5029% | 5,890 |
| Cash dividends to net income (ytd only)* | 16.8643% | 3,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 4,319 |
| Loan loss allowance to noncurrent loans | 87.1964% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 1.4712% | 1,389 |
| Noncurrent loans to loans | 1.2039% | 1,961 |
| Net loans and leases to total assets | 77.9592% | 1,126 |
| Net loans and leases to deposits | 88.1627% | 1,862 |
| Net loans and leases to core deposits | 99.6710% | 1,532 |
| Total domestic deposits to total assets | 88.4264% | 1,418 |
| Equity capital to assets | 9.5682% | 4,477 |
| Core capital (leverage) ratio | 8.8580% | 5,052 |
| Tier 1 risk-based capital ratio | 11.3301% | 5,361 |
| Total risk-based capital ratio | 12.4186% | 5,335 |
| Memoranda: | ||
| Average total assets | $863,141,000 | 796 |
| Average earning assets | $787,813,400 | 799 |
| Average equity | $82,217,000 | 922 |
| Average total loans | $663,314,600 | 711 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2905% | 2,265 |
| Cost of funding earning assets | 0.5741% | 1,589 |
| Net interest margin | 3.7164% | 2,690 |
| Noninterest income to average assets | 2.1010% | 334 |
| Noninterest expense to average assets | 4.3337% | 469 |
| Loan and lease loss provision to assets | 0.2096% | 937 |
| Net operating income to assets | 0.6467% | 4,148 |
| Return on assets (ROA) | 0.6643% | 4,170 |
| Pretax return on assets | 0.9726% | 3,728 |
| Return on Equity (ROE) | 6.9818% | 3,625 |
| Retained earnings to average equity (ytd only) | 6.7370% | 1,815 |
| Net charge-offs to loans | 0.0380% | 3,134 |
| Credit loss provision to net charge-offs | 721.9251% | 483 |
| Earnings coverage of net charge-offs (x) | 39.8284% | 1,251 |
| Efficiency ratio | 78.8817% | 1,828 |
| Assets per employee ($millions) | 2.3806% | 6,019 |
| Cash dividends to net income (ytd only)* | 3.5064% | 3,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 4,458 |
| Loan loss allowance to noncurrent loans | 75.7420% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 1.6601% | 1,315 |
| Noncurrent loans to loans | 1.3884% | 1,838 |
| Net loans and leases to total assets | 76.7823% | 1,277 |
| Net loans and leases to deposits | 87.5072% | 1,970 |
| Net loans and leases to core deposits | 100.0672% | 1,512 |
| Total domestic deposits to total assets | 87.7440% | 1,688 |
| Equity capital to assets | 9.8100% | 4,378 |
| Core capital (leverage) ratio | 8.9050% | 5,112 |
| Tier 1 risk-based capital ratio | 11.7004% | 5,267 |
| Total risk-based capital ratio | 12.7818% | 5,280 |
| Memoranda: | ||
| Average total assets | $858,668,000 | 807 |
| Average earning assets | $783,067,000 | 813 |
| Average equity | $81,696,500 | 936 |
| Average total loans | $655,610,000 | 720 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3828% | 1,910 |
| Cost of funding earning assets | 0.5665% | 1,671 |
| Net interest margin | 3.8163% | 2,252 |
| Noninterest income to average assets | 2.1065% | 345 |
| Noninterest expense to average assets | 4.4050% | 455 |
| Loan and lease loss provision to assets | 0.2087% | 933 |
| Net operating income to assets | 0.6645% | 4,058 |
| Return on assets (ROA) | 0.6906% | 4,046 |
| Pretax return on assets | 1.0135% | 3,533 |
| Return on Equity (ROE) | 7.3336% | 3,418 |
| Retained earnings to average equity (ytd only) | 7.0873% | 1,662 |
| Net charge-offs to loans | 0.0434% | 2,834 |
| Credit loss provision to net charge-offs | 633.8028% | 528 |
| Earnings coverage of net charge-offs (x) | 35.9437% | 1,208 |
| Efficiency ratio | 78.7700% | 1,947 |
| Assets per employee ($millions) | 2.3455% | 6,110 |
| Cash dividends to net income (ytd only)* | 3.3580% | 3,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9798% | 4,971 |
| Loan loss allowance to noncurrent loans | 67.6960% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 1.7680% | 1,320 |
| Noncurrent loans to loans | 1.4473% | 1,845 |
| Net loans and leases to total assets | 77.7141% | 1,110 |
| Net loans and leases to deposits | 88.0202% | 1,835 |
| Net loans and leases to core deposits | 99.0158% | 1,567 |
| Total domestic deposits to total assets | 88.2912% | 1,500 |
| Equity capital to assets | 9.6493% | 4,470 |
| Core capital (leverage) ratio | 8.6316% | 5,397 |
| Tier 1 risk-based capital ratio | 11.3366% | 5,554 |
| Total risk-based capital ratio | 12.3408% | 5,592 |
| Memoranda: | ||
| Average total assets | $862,392,330 | 807 |
| Average earning assets | $786,887,330 | 808 |
| Average equity | $81,215,670 | 944 |
| Average total loans | $654,932,670 | 716 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5769% | 1,278 |
| Cost of funding earning assets | 0.5544% | 1,802 |
| Net interest margin | 4.0225% | 1,486 |
| Noninterest income to average assets | 2.1383% | 333 |
| Noninterest expense to average assets | 4.4752% | 435 |
| Loan and lease loss provision to assets | 0.2068% | 874 |
| Net operating income to assets | 0.7500% | 3,536 |
| Return on assets (ROA) | 0.7543% | 3,651 |
| Pretax return on assets | 1.1344% | 2,929 |
| Return on Equity (ROE) | 8.1066% | 2,906 |
| Retained earnings to average equity (ytd only) | 7.8596% | 1,622 |
| Net charge-offs to loans | 0.0646% | 2,099 |
| Credit loss provision to net charge-offs | 428.5714% | 618 |
| Earnings coverage of net charge-offs (x) | 27.6571% | 1,200 |
| Efficiency ratio | 76.8513% | 2,364 |
| Assets per employee ($millions) | 2.3405% | 6,180 |
| Cash dividends to net income (ytd only)* | 3.0469% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9291% | 5,334 |
| Loan loss allowance to noncurrent loans | 65.9457% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 1.7703% | 1,386 |
| Noncurrent loans to loans | 1.4089% | 2,038 |
| Net loans and leases to total assets | 74.6812% | 1,403 |
| Net loans and leases to deposits | 87.4754% | 1,677 |
| Net loans and leases to core deposits | 99.3506% | 1,370 |
| Total domestic deposits to total assets | 85.3739% | 3,235 |
| Equity capital to assets | 9.3809% | 4,880 |
| Core capital (leverage) ratio | 8.5063% | 5,511 |
| Tier 1 risk-based capital ratio | 11.3348% | 5,640 |
| Total risk-based capital ratio | 12.2862% | 5,717 |
| Memoranda: | ||
| Average total assets | $870,220,000 | 808 |
| Average earning assets | $794,334,500 | 800 |
| Average equity | $80,971,500 | 944 |
| Average total loans | $650,126,500 | 719 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0682% | 3,443 |
| Cost of funding earning assets | 0.5906% | 1,855 |
| Net interest margin | 3.4776% | 3,876 |
| Noninterest income to average assets | 1.7108% | 437 |
| Noninterest expense to average assets | 4.4559% | 481 |
| Loan and lease loss provision to assets | 0.2059% | 1,218 |
| Net operating income to assets | 0.2148% | 5,737 |
| Return on assets (ROA) | 0.2417% | 5,736 |
| Pretax return on assets | 0.2365% | 5,811 |
| Return on Equity (ROE) | 2.6696% | 5,578 |
| Retained earnings to average equity (ytd only) | -0.3298% | 5,822 |
| Net charge-offs to loans | 0.1708% | 2,323 |
| Credit loss provision to net charge-offs | 174.5878% | 1,393 |
| Earnings coverage of net charge-offs (x) | 3.5238% | 3,872 |
| Efficiency ratio | 91.4117% | 749 |
| Assets per employee ($millions) | 2.3635% | 6,242 |
| Cash dividends to net income (ytd only)* | 112.3521% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8934% | 5,494 |
| Loan loss allowance to noncurrent loans | 53.7111% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 1.8975% | 1,360 |
| Noncurrent loans to loans | 1.6634% | 1,756 |
| Net loans and leases to total assets | 73.3729% | 1,695 |
| Net loans and leases to deposits | 83.5144% | 2,274 |
| Net loans and leases to core deposits | 95.7050% | 1,752 |
| Total domestic deposits to total assets | 87.8566% | 1,845 |
| Equity capital to assets | 9.2285% | 5,032 |
| Core capital (leverage) ratio | 8.3454% | 5,732 |
| Tier 1 risk-based capital ratio | 11.4067% | 5,715 |
| Total risk-based capital ratio | 12.3228% | 5,821 |
| Memoranda: | ||
| Average total assets | $874,343,600 | 765 |
| Average earning assets | $794,646,600 | 766 |
| Average equity | $79,149,600 | 925 |
| Average total loans | $603,500,000 | 729 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9584% | 3,937 |
| Cost of funding earning assets | 0.5951% | 1,883 |
| Net interest margin | 3.3633% | 4,379 |
| Noninterest income to average assets | 1.7192% | 443 |
| Noninterest expense to average assets | 4.5219% | 453 |
| Loan and lease loss provision to assets | 0.2056% | 1,142 |
| Net operating income to assets | 0.1103% | 6,014 |
| Return on assets (ROA) | 0.1398% | 5,994 |
| Pretax return on assets | 0.0758% | 6,085 |
| Return on Equity (ROE) | 1.5519% | 5,938 |
| Retained earnings to average equity (ytd only) | -0.7269% | 5,919 |
| Net charge-offs to loans | 0.1732% | 2,064 |
| Credit loss provision to net charge-offs | 175.0973% | 1,424 |
| Earnings coverage of net charge-offs (x) | 2.1453% | 3,983 |
| Efficiency ratio | 94.6628% | 561 |
| Assets per employee ($millions) | 2.3781% | 6,310 |
| Cash dividends to net income (ytd only)* | 146.8410% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9197% | 5,540 |
| Loan loss allowance to noncurrent loans | 46.9016% | 5,248 |
| Noncurrent assets plus other real estate owned to assets | 1.8717% | 1,572 |
| Noncurrent loans to loans | 1.9609% | 1,626 |
| Net loans and leases to total assets | 69.4249% | 2,279 |
| Net loans and leases to deposits | 80.0535% | 2,680 |
| Net loans and leases to core deposits | 92.2066% | 2,020 |
| Total domestic deposits to total assets | 86.7231% | 2,462 |
| Equity capital to assets | 9.2389% | 5,100 |
| Core capital (leverage) ratio | 8.4519% | 5,705 |
| Tier 1 risk-based capital ratio | 11.9070% | 5,549 |
| Total risk-based capital ratio | 12.8348% | 5,663 |
| Memoranda: | ||
| Average total assets | $875,483,500 | 764 |
| Average earning assets | $795,107,000 | 769 |
| Average equity | $78,870,000 | 932 |
| Average total loans | $593,390,250 | 745 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9002% | 4,134 |
| Cost of funding earning assets | 0.6020% | 1,880 |
| Net interest margin | 3.2982% | 4,593 |
| Noninterest income to average assets | 1.8646% | 386 |
| Noninterest expense to average assets | 4.8263% | 350 |
| Loan and lease loss provision to assets | 0.2046% | 1,169 |
| Net operating income to assets | -0.0114% | 6,194 |
| Return on assets (ROA) | 0.0100% | 6,197 |
| Pretax return on assets | -0.1383% | 6,282 |
| Return on Equity (ROE) | 0.1120% | 6,198 |
| Retained earnings to average equity (ytd only) | -2.0210% | 5,994 |
| Net charge-offs to loans | 0.1761% | 1,979 |
| Credit loss provision to net charge-offs | 173.4104% | 1,311 |
| Earnings coverage of net charge-offs (x) | 0.2794% | 4,079 |
| Efficiency ratio | 99.2653% | 424 |
| Assets per employee ($millions) | 2.1025% | 6,472 |
| Cash dividends to net income (ytd only)* | 1,904.5455% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9246% | 5,649 |
| Loan loss allowance to noncurrent loans | 43.0164% | 5,411 |
| Noncurrent assets plus other real estate owned to assets | 2.0045% | 1,598 |
| Noncurrent loans to loans | 2.1494% | 1,545 |
| Net loans and leases to total assets | 67.0165% | 2,573 |
| Net loans and leases to deposits | 77.1449% | 2,905 |
| Net loans and leases to core deposits | 86.8305% | 2,434 |
| Total domestic deposits to total assets | 86.8709% | 2,533 |
| Equity capital to assets | 9.2407% | 5,055 |
| Core capital (leverage) ratio | 8.2779% | 5,864 |
| Tier 1 risk-based capital ratio | 12.2389% | 5,390 |
| Total risk-based capital ratio | 13.1651% | 5,511 |
| Memoranda: | ||
| Average total assets | $879,563,000 | 765 |
| Average earning assets | $798,617,670 | 766 |
| Average equity | $78,575,330 | 932 |
| Average total loans | $589,563,670 | 737 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8789% | 4,181 |
| Cost of funding earning assets | 0.6116% | 1,883 |
| Net interest margin | 3.2672% | 4,678 |
| Noninterest income to average assets | 2.0211% | 334 |
| Noninterest expense to average assets | 5.3422% | 263 |
| Loan and lease loss provision to assets | 0.2022% | 1,151 |
| Net operating income to assets | -0.2459% | 6,380 |
| Return on assets (ROA) | -0.2111% | 6,365 |
| Pretax return on assets | -0.5004% | 6,455 |
| Return on Equity (ROE) | -2.4032% | 6,374 |
| Retained earnings to average equity (ytd only) | -3.7940% | 6,042 |
| Net charge-offs to loans | 0.0714% | 2,435 |
| Credit loss provision to net charge-offs | 424.5283% | 621 |
| Earnings coverage of net charge-offs (x) | -7.4057% | 3,590 |
| Efficiency ratio | 107.0136% | 314 |
| Assets per employee ($millions) | 2.1788% | 6,525 |
| Cash dividends to net income (ytd only)* | -57.8723% | 6,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9347% | 5,759 |
| Loan loss allowance to noncurrent loans | 37.2015% | 5,648 |
| Noncurrent assets plus other real estate owned to assets | 2.1958% | 1,509 |
| Noncurrent loans to loans | 2.5125% | 1,377 |
| Net loans and leases to total assets | 65.7792% | 2,604 |
| Net loans and leases to deposits | 74.1683% | 3,042 |
| Net loans and leases to core deposits | 84.0751% | 2,502 |
| Total domestic deposits to total assets | 88.6891% | 1,840 |
| Equity capital to assets | 9.1201% | 4,978 |
| Core capital (leverage) ratio | 8.1419% | 6,000 |
| Tier 1 risk-based capital ratio | 12.5767% | 5,270 |
| Total risk-based capital ratio | 13.5257% | 5,392 |
| Memoranda: | ||
| Average total assets | $890,426,000 | 759 |
| Average earning assets | $809,001,500 | 768 |
| Average equity | $78,228,000 | 935 |
| Average total loans | $594,217,000 | 733 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1564% | 3,514 |
| Cost of funding earning assets | 0.6845% | 1,924 |
| Net interest margin | 3.4719% | 4,018 |
| Noninterest income to average assets | 4.3428% | 154 |
| Noninterest expense to average assets | 7.1458% | 142 |
| Loan and lease loss provision to assets | 0.2432% | 1,484 |
| Net operating income to assets | 0.1424% | 5,953 |
| Return on assets (ROA) | 0.1490% | 6,011 |
| Pretax return on assets | 0.1282% | 6,049 |
| Return on Equity (ROE) | 1.7137% | 5,928 |
| Retained earnings to average equity (ytd only) | 0.1629% | 5,777 |
| Net charge-offs to loans | 0.0946% | 3,898 |
| Credit loss provision to net charge-offs | 373.7542% | 613 |
| Earnings coverage of net charge-offs (x) | 5.6063% | 3,261 |
| Efficiency ratio | 95.1061% | 693 |
| Assets per employee ($millions) | 1.9097% | 6,656 |
| Cash dividends to net income (ytd only)* | 90.4935% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8059% | 6,160 |
| Loan loss allowance to noncurrent loans | 33.3133% | 5,840 |
| Noncurrent assets plus other real estate owned to assets | 2.1790% | 1,641 |
| Noncurrent loans to loans | 2.4192% | 1,581 |
| Net loans and leases to total assets | 66.5047% | 2,613 |
| Net loans and leases to deposits | 77.4215% | 2,798 |
| Net loans and leases to core deposits | 89.1083% | 2,129 |
| Total domestic deposits to total assets | 85.8994% | 3,314 |
| Equity capital to assets | 8.4740% | 5,607 |
| Core capital (leverage) ratio | 7.8186% | 6,233 |
| Tier 1 risk-based capital ratio | 12.0156% | 5,604 |
| Total risk-based capital ratio | 12.8531% | 5,793 |
| Memoranda: | ||
| Average total assets | $925,006,800 | 713 |
| Average earning assets | $844,001,800 | 708 |
| Average equity | $80,409,000 | 890 |
| Average total loans | $636,146,400 | 658 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1226% | 3,668 |
| Cost of funding earning assets | 0.6967% | 1,978 |
| Net interest margin | 3.4259% | 4,182 |
| Noninterest income to average assets | 4.9936% | 141 |
| Noninterest expense to average assets | 7.4607% | 132 |
| Loan and lease loss provision to assets | 0.2593% | 1,368 |
| Net operating income to assets | 0.3201% | 5,543 |
| Return on assets (ROA) | 0.3107% | 5,695 |
| Pretax return on assets | 0.3928% | 5,642 |
| Return on Equity (ROE) | 3.5518% | 5,418 |
| Retained earnings to average equity (ytd only) | 2.6659% | 4,723 |
| Net charge-offs to loans | 0.0620% | 4,015 |
| Credit loss provision to net charge-offs | 604.0268% | 467 |
| Earnings coverage of net charge-offs (x) | 15.4699% | 1,861 |
| Efficiency ratio | 91.7936% | 865 |
| Assets per employee ($millions) | 1.7776% | 6,753 |
| Cash dividends to net income (ytd only)* | 24.9422% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8966% | 6,064 |
| Loan loss allowance to noncurrent loans | 30.4604% | 5,977 |
| Noncurrent assets plus other real estate owned to assets | 2.3144% | 1,706 |
| Noncurrent loans to loans | 2.9435% | 1,384 |
| Net loans and leases to total assets | 62.5224% | 3,256 |
| Net loans and leases to deposits | 70.6224% | 3,696 |
| Net loans and leases to core deposits | 86.0139% | 2,409 |
| Total domestic deposits to total assets | 88.5305% | 1,825 |
| Equity capital to assets | 8.4678% | 5,771 |
| Core capital (leverage) ratio | 7.7811% | 6,336 |
| Tier 1 risk-based capital ratio | 12.6438% | 5,365 |
| Total risk-based capital ratio | 13.5665% | 5,501 |
| Memoranda: | ||
| Average total assets | $925,661,500 | 716 |
| Average earning assets | $846,015,750 | 706 |
| Average equity | $80,970,500 | 892 |
| Average total loans | $640,579,250 | 660 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2051% | 3,350 |
| Cost of funding earning assets | 0.7114% | 1,989 |
| Net interest margin | 3.4938% | 3,804 |
| Noninterest income to average assets | 5.9140% | 124 |
| Noninterest expense to average assets | 8.0491% | 118 |
| Loan and lease loss provision to assets | 0.2932% | 1,233 |
| Net operating income to assets | 0.5331% | 4,655 |
| Return on assets (ROA) | 0.5204% | 4,882 |
| Pretax return on assets | 0.7474% | 4,517 |
| Return on Equity (ROE) | 5.8856% | 4,236 |
| Retained earnings to average equity (ytd only) | 4.6869% | 3,270 |
| Net charge-offs to loans | 0.0740% | 3,653 |
| Credit loss provision to net charge-offs | 555.5556% | 513 |
| Earnings coverage of net charge-offs (x) | 20.0576% | 1,481 |
| Efficiency ratio | 88.3475% | 1,190 |
| Assets per employee ($millions) | 1.6281% | 6,824 |
| Cash dividends to net income (ytd only)* | 20.3673% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7851% | 6,383 |
| Loan loss allowance to noncurrent loans | 26.2250% | 6,142 |
| Noncurrent assets plus other real estate owned to assets | 2.4920% | 1,700 |
| Noncurrent loans to loans | 2.9939% | 1,486 |
| Net loans and leases to total assets | 65.7797% | 2,624 |
| Net loans and leases to deposits | 74.1307% | 3,134 |
| Net loans and leases to core deposits | 90.1014% | 1,897 |
| Total domestic deposits to total assets | 88.7348% | 1,762 |
| Equity capital to assets | 8.5553% | 5,712 |
| Core capital (leverage) ratio | 8.1950% | 6,013 |
| Tier 1 risk-based capital ratio | 12.5633% | 5,462 |
| Total risk-based capital ratio | 13.4094% | 5,646 |
| Memoranda: | ||
| Average total assets | $920,768,330 | 721 |
| Average earning assets | $841,731,330 | 713 |
| Average equity | $81,418,670 | 887 |
| Average total loans | $656,358,000 | 642 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7177% | 1,487 |
| Cost of funding earning assets | 0.7198% | 2,061 |
| Net interest margin | 3.9979% | 1,794 |
| Noninterest income to average assets | 6.0102% | 120 |
| Noninterest expense to average assets | 8.3550% | 113 |
| Loan and lease loss provision to assets | 0.3964% | 784 |
| Net operating income to assets | 0.5725% | 4,349 |
| Return on assets (ROA) | 0.5426% | 4,642 |
| Pretax return on assets | 0.8593% | 3,917 |
| Return on Equity (ROE) | 6.0344% | 4,030 |
| Retained earnings to average equity (ytd only) | 5.7062% | 2,836 |
| Net charge-offs to loans | -0.1049% | 6,467 |
| Credit loss provision to net charge-offs | -511.3636% | 5,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4870% | 1,459 |
| Assets per employee ($millions) | 1.5178% | 6,920 |
| Cash dividends to net income (ytd only)* | 5.4383% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6774% | 6,625 |
| Loan loss allowance to noncurrent loans | 26.3686% | 6,155 |
| Noncurrent assets plus other real estate owned to assets | 2.3641% | 1,969 |
| Noncurrent loans to loans | 2.5688% | 2,011 |
| Net loans and leases to total assets | 72.2428% | 1,314 |
| Net loans and leases to deposits | 82.4960% | 1,765 |
| Net loans and leases to core deposits | 99.7267% | 965 |
| Total domestic deposits to total assets | 87.5713% | 2,588 |
| Equity capital to assets | 9.1699% | 5,290 |
| Core capital (leverage) ratio | 8.3243% | 5,794 |
| Tier 1 risk-based capital ratio | 12.7230% | 5,421 |
| Total risk-based capital ratio | 13.4878% | 5,723 |
| Memoranda: | ||
| Average total assets | $908,196,500 | 732 |
| Average earning assets | $828,531,000 | 729 |
| Average equity | $81,665,000 | 893 |
| Average total loans | $670,966,000 | 626 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4399% | 3,657 |
| Cost of funding earning assets | 0.7639% | 2,972 |
| Net interest margin | 3.6761% | 3,759 |
| Noninterest income to average assets | 8.0944% | 90 |
| Noninterest expense to average assets | 8.2922% | 106 |
| Loan and lease loss provision to assets | 0.5218% | 1,120 |
| Net operating income to assets | 1.6389% | 703 |
| Return on assets (ROA) | 1.6542% | 756 |
| Pretax return on assets | 2.6670% | 203 |
| Return on Equity (ROE) | 18.2104% | 430 |
| Retained earnings to average equity (ytd only) | 14.4984% | 179 |
| Net charge-offs to loans | 1.0434% | 1,033 |
| Credit loss provision to net charge-offs | 66.1094% | 4,284 |
| Earnings coverage of net charge-offs (x) | 4.0097% | 3,515 |
| Efficiency ratio | 72.3134% | 3,358 |
| Assets per employee ($millions) | 1.6156% | 6,973 |
| Cash dividends to net income (ytd only)* | 20.3843% | 3,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4831% | 6,851 |
| Loan loss allowance to noncurrent loans | 19.5031% | 6,403 |
| Noncurrent assets plus other real estate owned to assets | 2.4434% | 2,001 |
| Noncurrent loans to loans | 2.4769% | 2,143 |
| Net loans and leases to total assets | 74.6286% | 1,110 |
| Net loans and leases to deposits | 89.8573% | 1,087 |
| Net loans and leases to core deposits | 108.5676% | 587 |
| Total domestic deposits to total assets | 83.0523% | 4,702 |
| Equity capital to assets | 8.8190% | 5,728 |
| Core capital (leverage) ratio | 7.7720% | 6,361 |
| Tier 1 risk-based capital ratio | 12.1488% | 5,688 |
| Total risk-based capital ratio | 12.7103% | 6,095 |
| Memoranda: | ||
| Average total assets | $833,648,800 | 787 |
| Average earning assets | $762,576,600 | 785 |
| Average equity | $75,725,800 | 934 |
| Average total loans | $630,648,800 | 657 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3935% | 4,079 |
| Cost of funding earning assets | 0.7651% | 3,231 |
| Net interest margin | 3.6284% | 4,109 |
| Noninterest income to average assets | 8.3445% | 90 |
| Noninterest expense to average assets | 7.9562% | 108 |
| Loan and lease loss provision to assets | 0.5338% | 1,107 |
| Net operating income to assets | 1.9742% | 396 |
| Return on assets (ROA) | 1.9951% | 435 |
| Pretax return on assets | 3.2114% | 130 |
| Return on Equity (ROE) | 21.7835% | 248 |
| Retained earnings to average equity (ytd only) | 18.2079% | 117 |
| Net charge-offs to loans | 1.3210% | 708 |
| Credit loss provision to net charge-offs | 53.2787% | 4,316 |
| Earnings coverage of net charge-offs (x) | 3.7057% | 3,546 |
| Efficiency ratio | 68.1210% | 4,034 |
| Assets per employee ($millions) | 1.7575% | 7,050 |
| Cash dividends to net income (ytd only)* | 16.4142% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3740% | 7,029 |
| Loan loss allowance to noncurrent loans | 16.4896% | 6,562 |
| Noncurrent assets plus other real estate owned to assets | 2.3513% | 2,261 |
| Noncurrent loans to loans | 2.2683% | 2,538 |
| Net loans and leases to total assets | 76.6519% | 882 |
| Net loans and leases to deposits | 105.9277% | 236 |
| Net loans and leases to core deposits | 121.7027% | 281 |
| Total domestic deposits to total assets | 72.3625% | 6,722 |
| Equity capital to assets | 8.5390% | 6,231 |
| Core capital (leverage) ratio | 8.3216% | 5,975 |
| Tier 1 risk-based capital ratio | 11.9215% | 5,980 |
| Total risk-based capital ratio | 12.3735% | 6,401 |
| Memoranda: | ||
| Average total assets | $811,839,000 | 817 |
| Average earning assets | $743,773,750 | 810 |
| Average equity | $74,354,000 | 958 |
| Average total loans | $615,665,500 | 672 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5138% | 3,710 |
| Cost of funding earning assets | 0.8119% | 3,100 |
| Net interest margin | 3.7019% | 3,808 |
| Noninterest income to average assets | 7.8975% | 93 |
| Noninterest expense to average assets | 7.7797% | 119 |
| Loan and lease loss provision to assets | 0.4298% | 1,518 |
| Net operating income to assets | 1.9198% | 447 |
| Return on assets (ROA) | 1.9529% | 485 |
| Pretax return on assets | 3.1315% | 139 |
| Return on Equity (ROE) | 20.7481% | 308 |
| Retained earnings to average equity (ytd only) | 15.3688% | 260 |
| Net charge-offs to loans | 0.0321% | 4,926 |
| Credit loss provision to net charge-offs | 1,774.1935% | 179 |
| Earnings coverage of net charge-offs (x) | 144.8817% | 311 |
| Efficiency ratio | 68.8439% | 3,969 |
| Assets per employee ($millions) | 1.5590% | 7,138 |
| Cash dividends to net income (ytd only)* | 25.9269% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1550% | 5,548 |
| Loan loss allowance to noncurrent loans | 28.3243% | 6,221 |
| Noncurrent assets plus other real estate owned to assets | 3.6104% | 1,454 |
| Noncurrent loans to loans | 4.0779% | 1,346 |
| Net loans and leases to total assets | 74.4735% | 1,181 |
| Net loans and leases to deposits | 90.8417% | 1,064 |
| Net loans and leases to core deposits | 103.9440% | 861 |
| Total domestic deposits to total assets | 81.9816% | 5,141 |
| Equity capital to assets | 9.2373% | 5,420 |
| Core capital (leverage) ratio | 8.8635% | 5,105 |
| Tier 1 risk-based capital ratio | 12.8514% | 5,299 |
| Total risk-based capital ratio | 14.0574% | 5,305 |
| Memoranda: | ||
| Average total assets | $767,866,330 | 868 |
| Average earning assets | $703,535,330 | 860 |
| Average equity | $72,276,330 | 973 |
| Average total loans | $578,846,000 | 714 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6891% | 3,093 |
| Cost of funding earning assets | 0.8505% | 3,059 |
| Net interest margin | 3.8386% | 3,198 |
| Noninterest income to average assets | 6.5014% | 109 |
| Noninterest expense to average assets | 7.3875% | 131 |
| Loan and lease loss provision to assets | 0.4040% | 1,566 |
| Net operating income to assets | 1.5857% | 883 |
| Return on assets (ROA) | 1.6618% | 863 |
| Pretax return on assets | 2.3373% | 430 |
| Return on Equity (ROE) | 17.4760% | 607 |
| Retained earnings to average equity (ytd only) | 8.8088% | 1,661 |
| Net charge-offs to loans | 0.0907% | 3,612 |
| Credit loss provision to net charge-offs | 590.5512% | 579 |
| Earnings coverage of net charge-offs (x) | 38.5039% | 766 |
| Efficiency ratio | 73.6347% | 3,147 |
| Assets per employee ($millions) | 1.5706% | 7,202 |
| Cash dividends to net income (ytd only)* | 49.5948% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1249% | 5,821 |
| Loan loss allowance to noncurrent loans | 33.3549% | 6,004 |
| Noncurrent assets plus other real estate owned to assets | 3.2276% | 1,790 |
| Noncurrent loans to loans | 3.3726% | 1,877 |
| Net loans and leases to total assets | 74.1659% | 1,037 |
| Net loans and leases to deposits | 84.8374% | 1,559 |
| Net loans and leases to core deposits | 99.1960% | 1,039 |
| Total domestic deposits to total assets | 87.4213% | 2,706 |
| Equity capital to assets | 9.7179% | 4,496 |
| Core capital (leverage) ratio | 8.7814% | 5,155 |
| Tier 1 risk-based capital ratio | 13.2459% | 5,034 |
| Total risk-based capital ratio | 14.4965% | 5,012 |
| Memoranda: | ||
| Average total assets | $742,551,000 | 906 |
| Average earning assets | $680,985,500 | 893 |
| Average equity | $70,611,000 | 992 |
| Average total loans | $559,926,000 | 745 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9013% | 3,349 |
| Cost of funding earning assets | 1.0225% | 3,221 |
| Net interest margin | 3.8788% | 3,433 |
| Noninterest income to average assets | 6.1129% | 102 |
| Noninterest expense to average assets | 7.4250% | 125 |
| Loan and lease loss provision to assets | 0.2607% | 3,606 |
| Net operating income to assets | 1.2658% | 1,333 |
| Return on assets (ROA) | 1.2672% | 1,432 |
| Pretax return on assets | 2.0017% | 532 |
| Return on Equity (ROE) | 15.1502% | 720 |
| Retained earnings to average equity (ytd only) | 8.8771% | 840 |
| Net charge-offs to loans | 0.1615% | 4,854 |
| Credit loss provision to net charge-offs | 223.0483% | 1,088 |
| Earnings coverage of net charge-offs (x) | 19.3371% | 1,170 |
| Efficiency ratio | 76.4688% | 2,827 |
| Assets per employee ($millions) | 1.6556% | 7,241 |
| Cash dividends to net income (ytd only)* | 41.4057% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9770% | 6,311 |
| Loan loss allowance to noncurrent loans | 41.7836% | 5,496 |
| Noncurrent assets plus other real estate owned to assets | 2.4681% | 2,464 |
| Noncurrent loans to loans | 2.3383% | 2,808 |
| Net loans and leases to total assets | 75.0517% | 1,084 |
| Net loans and leases to deposits | 91.0530% | 1,045 |
| Net loans and leases to core deposits | 107.1510% | 750 |
| Total domestic deposits to total assets | 82.4263% | 4,991 |
| Equity capital to assets | 9.3056% | 5,141 |
| Core capital (leverage) ratio | 8.2984% | 5,860 |
| Tier 1 risk-based capital ratio | 12.7445% | 5,274 |
| Total risk-based capital ratio | 13.8968% | 5,319 |
| Memoranda: | ||
| Average total assets | $690,475,200 | 944 |
| Average earning assets | $635,896,000 | 936 |
| Average equity | $57,755,200 | 1,177 |
| Average total loans | $499,724,600 | 837 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9922% | 3,122 |
| Cost of funding earning assets | 1.0722% | 3,167 |
| Net interest margin | 3.9201% | 3,280 |
| Noninterest income to average assets | 6.4976% | 100 |
| Noninterest expense to average assets | 7.1392% | 137 |
| Loan and lease loss provision to assets | 0.2666% | 3,376 |
| Net operating income to assets | 1.6834% | 661 |
| Return on assets (ROA) | 1.6854% | 718 |
| Pretax return on assets | 2.7093% | 179 |
| Return on Equity (ROE) | 20.8009% | 263 |
| Retained earnings to average equity (ytd only) | 16.0948% | 175 |
| Net charge-offs to loans | 0.1731% | 4,417 |
| Credit loss provision to net charge-offs | 215.6550% | 1,332 |
| Earnings coverage of net charge-offs (x) | 24.0478% | 1,096 |
| Efficiency ratio | 70.4533% | 3,866 |
| Assets per employee ($millions) | 1.5738% | 7,329 |
| Cash dividends to net income (ytd only)* | 22.6245% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 6,188 |
| Loan loss allowance to noncurrent loans | 36.7006% | 5,847 |
| Noncurrent assets plus other real estate owned to assets | 2.7865% | 2,333 |
| Noncurrent loans to loans | 2.7690% | 2,516 |
| Net loans and leases to total assets | 73.8373% | 1,349 |
| Net loans and leases to deposits | 87.7086% | 1,466 |
| Net loans and leases to core deposits | 101.2199% | 1,141 |
| Total domestic deposits to total assets | 84.1848% | 4,136 |
| Equity capital to assets | 10.1914% | 4,095 |
| Core capital (leverage) ratio | 9.3083% | 4,438 |
| Tier 1 risk-based capital ratio | 13.7763% | 4,518 |
| Total risk-based capital ratio | 14.9299% | 4,562 |
| Memoranda: | ||
| Average total assets | $675,183,750 | 971 |
| Average earning assets | $622,526,750 | 957 |
| Average equity | $54,707,750 | 1,243 |
| Average total loans | $482,234,500 | 881 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2436% | 6,182 |
| Cost of funding earning assets | 1.1767% | 2,728 |
| Net interest margin | 3.0670% | 6,475 |
| Noninterest income to average assets | 7.1099% | 95 |
| Noninterest expense to average assets | 6.6756% | 158 |
| Loan and lease loss provision to assets | 0.2697% | 3,234 |
| Net operating income to assets | 1.8464% | 451 |
| Return on assets (ROA) | 1.8495% | 474 |
| Pretax return on assets | 3.0018% | 142 |
| Return on Equity (ROE) | 25.0823% | 132 |
| Retained earnings to average equity (ytd only) | 22.9240% | 67 |
| Net charge-offs to loans | 0.2515% | 3,622 |
| Credit loss provision to net charge-offs | 152.5424% | 2,003 |
| Earnings coverage of net charge-offs (x) | 18.4746% | 1,257 |
| Efficiency ratio | 67.0917% | 4,685 |
| Assets per employee ($millions) | 1.5712% | 7,396 |
| Cash dividends to net income (ytd only)* | 8.6048% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0422% | 6,175 |
| Loan loss allowance to noncurrent loans | 48.0232% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 1.8843% | 3,388 |
| Noncurrent loans to loans | 2.1701% | 3,258 |
| Net loans and leases to total assets | 67.3731% | 2,747 |
| Net loans and leases to deposits | 76.1316% | 3,441 |
| Net loans and leases to core deposits | 88.1521% | 2,625 |
| Total domestic deposits to total assets | 88.4956% | 1,854 |
| Equity capital to assets | 7.4450% | 6,971 |
| Core capital (leverage) ratio | 6.4101% | 7,140 |
| Tier 1 risk-based capital ratio | 10.2431% | 6,901 |
| Total risk-based capital ratio | 11.3795% | 6,931 |
| Memoranda: | ||
| Average total assets | $667,326,000 | 987 |
| Average earning assets | $616,311,330 | 971 |
| Average equity | $49,206,000 | 1,375 |
| Average total loans | $469,232,670 | 920 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1492% | 6,395 |
| Cost of funding earning assets | 1.1400% | 3,228 |
| Net interest margin | 3.0092% | 6,554 |
| Noninterest income to average assets | 10.1679% | 68 |
| Noninterest expense to average assets | 5.8451% | 208 |
| Loan and lease loss provision to assets | 0.2740% | 2,960 |
| Net operating income to assets | 4.1748% | 66 |
| Return on assets (ROA) | 4.1748% | 69 |
| Pretax return on assets | 6.8230% | 50 |
| Return on Equity (ROE) | 56.9069% | 26 |
| Retained earnings to average equity (ytd only) | 55.0393% | 22 |
| Net charge-offs to loans | 0.0315% | 4,659 |
| Credit loss provision to net charge-offs | 1,216.2162% | 328 |
| Earnings coverage of net charge-offs (x) | 315.0000% | 92 |
| Efficiency ratio | 45.1209% | 7,240 |
| Assets per employee ($millions) | 1.5810% | 7,460 |
| Cash dividends to net income (ytd only)* | 3.2818% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1188% | 5,975 |
| Loan loss allowance to noncurrent loans | 54.0605% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 2.0691% | 3,238 |
| Noncurrent loans to loans | 2.0696% | 3,487 |
| Net loans and leases to total assets | 62.7732% | 3,700 |
| Net loans and leases to deposits | 70.0356% | 4,338 |
| Net loans and leases to core deposits | 82.3939% | 3,399 |
| Total domestic deposits to total assets | 89.6304% | 1,409 |
| Equity capital to assets | 7.3514% | 6,951 |
| Core capital (leverage) ratio | 6.3259% | 7,202 |
| Tier 1 risk-based capital ratio | 10.5361% | 6,787 |
| Total risk-based capital ratio | 11.6998% | 6,823 |
| Memoranda: | ||
| Average total assets | $656,891,500 | 1,012 |
| Average earning assets | $605,612,500 | 995 |
| Average equity | $48,191,000 | 1,389 |
| Average total loans | $469,578,500 | 929 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9287% | 4,880 |
| Cost of funding earning assets | 1.3185% | 3,760 |
| Net interest margin | 3.6102% | 4,769 |
| Noninterest income to average assets | 6.5784% | 101 |
| Noninterest expense to average assets | 7.7105% | 122 |
| Loan and lease loss provision to assets | 0.3284% | 4,185 |
| Net operating income to assets | 1.2805% | 1,226 |
| Return on assets (ROA) | 1.1009% | 1,778 |
| Pretax return on assets | 1.6986% | 942 |
| Return on Equity (ROE) | 13.9258% | 895 |
| Retained earnings to average equity (ytd only) | 9.3916% | 621 |
| Net charge-offs to loans | 0.1267% | 5,629 |
| Credit loss provision to net charge-offs | 320.8556% | 808 |
| Earnings coverage of net charge-offs (x) | 21.5312% | 962 |
| Efficiency ratio | 77.7095% | 2,756 |
| Assets per employee ($millions) | 1.5143% | 7,548 |
| Cash dividends to net income (ytd only)* | 32.5601% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9266% | 6,645 |
| Loan loss allowance to noncurrent loans | 246.1249% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.4247% | 6,214 |
| Noncurrent loans to loans | 0.3765% | 6,294 |
| Net loans and leases to total assets | 79.9185% | 669 |
| Net loans and leases to deposits | 95.5538% | 906 |
| Net loans and leases to core deposits | 119.4796% | 543 |
| Total domestic deposits to total assets | 83.6372% | 4,533 |
| Equity capital to assets | 7.3188% | 6,990 |
| Core capital (leverage) ratio | 7.4197% | 6,768 |
| Tier 1 risk-based capital ratio | 10.7533% | 6,528 |
| Total risk-based capital ratio | 11.8567% | 6,603 |
| Memoranda: | ||
| Average total assets | $548,173,400 | 1,220 |
| Average earning assets | $506,480,000 | 1,215 |
| Average equity | $43,336,800 | 1,534 |
| Average total loans | $442,832,400 | 1,016 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9147% | 5,200 |
| Cost of funding earning assets | 1.3502% | 3,900 |
| Net interest margin | 3.5646% | 5,041 |
| Noninterest income to average assets | 6.9720% | 96 |
| Noninterest expense to average assets | 7.0186% | 150 |
| Loan and lease loss provision to assets | 0.8705% | 1,745 |
| Net operating income to assets | 1.6661% | 662 |
| Return on assets (ROA) | 1.2735% | 1,486 |
| Pretax return on assets | 1.9902% | 629 |
| Return on Equity (ROE) | 15.7724% | 736 |
| Retained earnings to average equity (ytd only) | 12.3846% | 417 |
| Net charge-offs to loans | 0.4156% | 3,627 |
| Credit loss provision to net charge-offs | 259.1350% | 1,279 |
| Earnings coverage of net charge-offs (x) | 9.6734% | 1,992 |
| Efficiency ratio | 68.2906% | 4,410 |
| Assets per employee ($millions) | 1.4923% | 7,657 |
| Cash dividends to net income (ytd only)* | 21.4791% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1431% | 5,739 |
| Loan loss allowance to noncurrent loans | 186.2398% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.6388% | 5,851 |
| Noncurrent loans to loans | 0.6138% | 5,976 |
| Net loans and leases to total assets | 80.4257% | 676 |
| Net loans and leases to deposits | 100.7371% | 607 |
| Net loans and leases to core deposits | 121.6629% | 568 |
| Total domestic deposits to total assets | 79.8373% | 5,762 |
| Equity capital to assets | 7.7921% | 6,934 |
| Core capital (leverage) ratio | 8.2661% | 5,935 |
| Tier 1 risk-based capital ratio | 11.6735% | 5,757 |
| Total risk-based capital ratio | 12.9257% | 5,731 |
| Memoranda: | ||
| Average total assets | $532,267,500 | 1,273 |
| Average earning assets | $492,167,250 | 1,262 |
| Average equity | $42,977,000 | 1,551 |
| Average total loans | $430,162,500 | 1,046 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9888% | 4,990 |
| Cost of funding earning assets | 1.3868% | 3,961 |
| Net interest margin | 3.6020% | 4,802 |
| Noninterest income to average assets | 5.6660% | 118 |
| Noninterest expense to average assets | 6.7289% | 166 |
| Loan and lease loss provision to assets | 0.4283% | 3,185 |
| Net operating income to assets | 1.2759% | 1,372 |
| Return on assets (ROA) | 1.0901% | 1,957 |
| Pretax return on assets | 1.6570% | 1,153 |
| Return on Equity (ROE) | 13.3236% | 1,171 |
| Retained earnings to average equity (ytd only) | 9.1980% | 1,050 |
| Net charge-offs to loans | 0.1729% | 4,578 |
| Credit loss provision to net charge-offs | 307.2626% | 1,196 |
| Earnings coverage of net charge-offs (x) | 16.2514% | 1,408 |
| Efficiency ratio | 74.7414% | 3,321 |
| Assets per employee ($millions) | 1.3688% | 7,733 |
| Cash dividends to net income (ytd only)* | 30.9643% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9382% | 6,635 |
| Loan loss allowance to noncurrent loans | 273.1903% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.3655% | 6,520 |
| Noncurrent loans to loans | 0.3434% | 6,547 |
| Net loans and leases to total assets | 80.4107% | 738 |
| Net loans and leases to deposits | 102.6896% | 554 |
| Net loans and leases to core deposits | 122.0638% | 629 |
| Total domestic deposits to total assets | 78.3046% | 6,199 |
| Equity capital to assets | 8.0655% | 6,682 |
| Core capital (leverage) ratio | 8.3175% | 5,730 |
| Tier 1 risk-based capital ratio | 11.6181% | 5,658 |
| Total risk-based capital ratio | 12.7505% | 5,737 |
| Memoranda: | ||
| Average total assets | $513,696,330 | 1,316 |
| Average earning assets | $474,627,670 | 1,311 |
| Average equity | $42,030,670 | 1,569 |
| Average total loans | $414,098,000 | 1,102 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9534% | 5,224 |
| Cost of funding earning assets | 1.4065% | 4,136 |
| Net interest margin | 3.5469% | 4,960 |
| Noninterest income to average assets | 5.5617% | 127 |
| Noninterest expense to average assets | 6.4247% | 174 |
| Loan and lease loss provision to assets | 0.5170% | 2,429 |
| Net operating income to assets | 1.3475% | 1,192 |
| Return on assets (ROA) | 1.0109% | 2,207 |
| Pretax return on assets | 1.5565% | 1,375 |
| Return on Equity (ROE) | 12.2618% | 1,424 |
| Retained earnings to average equity (ytd only) | 8.8274% | 1,448 |
| Net charge-offs to loans | 0.2387% | 3,507 |
| Credit loss provision to net charge-offs | 269.7095% | 1,469 |
| Earnings coverage of net charge-offs (x) | 12.5643% | 1,557 |
| Efficiency ratio | 72.6544% | 3,815 |
| Assets per employee ($millions) | 1.4027% | 7,834 |
| Cash dividends to net income (ytd only)* | 28.0094% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9753% | 6,574 |
| Loan loss allowance to noncurrent loans | 349.4865% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.3060% | 6,710 |
| Noncurrent loans to loans | 0.2791% | 6,764 |
| Net loans and leases to total assets | 78.5314% | 1,054 |
| Net loans and leases to deposits | 95.8086% | 1,131 |
| Net loans and leases to core deposits | 115.9602% | 947 |
| Total domestic deposits to total assets | 81.9670% | 5,083 |
| Equity capital to assets | 8.6824% | 5,754 |
| Core capital (leverage) ratio | 8.5624% | 5,270 |
| Tier 1 risk-based capital ratio | 12.2434% | 4,947 |
| Total risk-based capital ratio | 13.3654% | 5,038 |
| Memoranda: | ||
| Average total assets | $502,937,000 | 1,384 |
| Average earning assets | $463,844,500 | 1,370 |
| Average equity | $41,462,000 | 1,610 |
| Average total loans | $403,924,000 | 1,174 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3298% | 5,026 |
| Cost of funding earning assets | 1.8220% | 3,873 |
| Net interest margin | 3.5079% | 4,919 |
| Noninterest income to average assets | 7.0787% | 102 |
| Noninterest expense to average assets | 6.6618% | 233 |
| Loan and lease loss provision to assets | 0.6422% | 3,230 |
| Net operating income to assets | 2.2317% | 136 |
| Return on assets (ROA) | 1.3940% | 919 |
| Pretax return on assets | 2.1790% | 287 |
| Return on Equity (ROE) | 17.3590% | 421 |
| Retained earnings to average equity (ytd only) | 14.6844% | 99 |
| Net charge-offs to loans | 0.4777% | 3,870 |
| Credit loss provision to net charge-offs | 169.1625% | 2,528 |
| Earnings coverage of net charge-offs (x) | 9.5940% | 1,778 |
| Efficiency ratio | 64.5795% | 5,664 |
| Assets per employee ($millions) | 1.5864% | 7,883 |
| Cash dividends to net income (ytd only)* | 15.4079% | 3,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7862% | 7,174 |
| Loan loss allowance to noncurrent loans | 238.6543% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.3207% | 6,637 |
| Noncurrent loans to loans | 0.3294% | 6,619 |
| Net loans and leases to total assets | 80.6091% | 895 |
| Net loans and leases to deposits | 106.5703% | 520 |
| Net loans and leases to core deposits | 145.3137% | 632 |
| Total domestic deposits to total assets | 75.6393% | 6,749 |
| Equity capital to assets | 7.8375% | 6,729 |
| Core capital (leverage) ratio | 8.0649% | 6,056 |
| Tier 1 risk-based capital ratio | 11.1119% | 5,815 |
| Total risk-based capital ratio | 12.0484% | 6,087 |
| Memoranda: | ||
| Average total assets | $474,900,400 | 1,464 |
| Average earning assets | $436,673,200 | 1,449 |
| Average equity | $38,135,800 | 1,756 |
| Average total loans | $377,398,400 | 1,273 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3651% | 5,112 |
| Cost of funding earning assets | 1.9196% | 3,776 |
| Net interest margin | 3.4455% | 5,087 |
| Noninterest income to average assets | 7.2477% | 103 |
| Noninterest expense to average assets | 6.5326% | 241 |
| Loan and lease loss provision to assets | 0.6765% | 2,709 |
| Net operating income to assets | 2.4065% | 119 |
| Return on assets (ROA) | 1.4498% | 979 |
| Pretax return on assets | 2.2677% | 304 |
| Return on Equity (ROE) | 17.9326% | 461 |
| Retained earnings to average equity (ytd only) | 16.1166% | 123 |
| Net charge-offs to loans | 0.1936% | 4,849 |
| Credit loss provision to net charge-offs | 442.5612% | 896 |
| Earnings coverage of net charge-offs (x) | 25.3786% | 1,055 |
| Efficiency ratio | 62.6687% | 5,986 |
| Assets per employee ($millions) | 1.6418% | 7,951 |
| Cash dividends to net income (ytd only)* | 10.1270% | 3,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0828% | 5,825 |
| Loan loss allowance to noncurrent loans | 362.6741% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.3012% | 6,735 |
| Noncurrent loans to loans | 0.2986% | 6,763 |
| Net loans and leases to total assets | 78.4638% | 1,490 |
| Net loans and leases to deposits | 97.7507% | 1,353 |
| Net loans and leases to core deposits | 128.4589% | 1,538 |
| Total domestic deposits to total assets | 80.2693% | 5,347 |
| Equity capital to assets | 8.7947% | 5,803 |
| Core capital (leverage) ratio | 8.5633% | 5,366 |
| Tier 1 risk-based capital ratio | 11.7975% | 5,153 |
| Total risk-based capital ratio | 13.0131% | 5,130 |
| Memoranda: | ||
| Average total assets | $463,140,500 | 1,507 |
| Average earning assets | $425,359,250 | 1,502 |
| Average equity | $37,443,000 | 1,811 |
| Average total loans | $365,731,750 | 1,336 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3267% | 5,523 |
| Cost of funding earning assets | 1.9727% | 3,902 |
| Net interest margin | 3.3541% | 5,343 |
| Noninterest income to average assets | 7.3882% | 97 |
| Noninterest expense to average assets | 6.2722% | 295 |
| Loan and lease loss provision to assets | 0.8156% | 2,051 |
| Net operating income to assets | 2.6159% | 90 |
| Return on assets (ROA) | 1.4509% | 992 |
| Pretax return on assets | 2.2497% | 322 |
| Return on Equity (ROE) | 18.4740% | 452 |
| Retained earnings to average equity (ytd only) | 16.9163% | 137 |
| Net charge-offs to loans | 0.2575% | 3,902 |
| Credit loss provision to net charge-offs | 401.6913% | 1,150 |
| Earnings coverage of net charge-offs (x) | 20.6913% | 1,302 |
| Efficiency ratio | 59.8180% | 6,578 |
| Assets per employee ($millions) | 1.8252% | 7,961 |
| Cash dividends to net income (ytd only)* | 8.4320% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9052% | 6,746 |
| Loan loss allowance to noncurrent loans | 367.9581% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.2242% | 6,936 |
| Noncurrent loans to loans | 0.2460% | 6,896 |
| Net loans and leases to total assets | 80.4483% | 1,234 |
| Net loans and leases to deposits | 106.4836% | 740 |
| Net loans and leases to core deposits | 137.2464% | 1,148 |
| Total domestic deposits to total assets | 75.5499% | 6,646 |
| Equity capital to assets | 7.9247% | 6,838 |
| Core capital (leverage) ratio | 8.1928% | 5,995 |
| Tier 1 risk-based capital ratio | 11.4785% | 5,408 |
| Total risk-based capital ratio | 12.5718% | 5,474 |
| Memoranda: | ||
| Average total assets | $465,929,330 | 1,525 |
| Average earning assets | $428,556,000 | 1,505 |
| Average equity | $36,592,000 | 1,866 |
| Average total loans | $367,396,000 | 1,356 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4466% | 5,192 |
| Cost of funding earning assets | 2.0675% | 3,803 |
| Net interest margin | 3.3791% | 5,217 |
| Noninterest income to average assets | 6.8839% | 98 |
| Noninterest expense to average assets | 6.1854% | 275 |
| Loan and lease loss provision to assets | 0.7612% | 1,689 |
| Net operating income to assets | 2.3507% | 172 |
| Return on assets (ROA) | 1.3371% | 1,396 |
| Pretax return on assets | 2.0774% | 565 |
| Return on Equity (ROE) | 17.1063% | 677 |
| Retained earnings to average equity (ytd only) | 17.1063% | 268 |
| Net charge-offs to loans | 0.4011% | 2,495 |
| Credit loss provision to net charge-offs | 244.4134% | 1,908 |
| Earnings coverage of net charge-offs (x) | 12.2095% | 1,818 |
| Efficiency ratio | 61.8500% | 6,080 |
| Assets per employee ($millions) | 1.9535% | 7,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7283% | 7,365 |
| Loan loss allowance to noncurrent loans | 312.6050% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.2825% | 6,667 |
| Noncurrent loans to loans | 0.2330% | 6,868 |
| Net loans and leases to total assets | 78.6579% | 1,657 |
| Net loans and leases to deposits | 94.7428% | 2,147 |
| Net loans and leases to core deposits | 120.4785% | 2,378 |
| Total domestic deposits to total assets | 83.0226% | 4,134 |
| Equity capital to assets | 8.1296% | 6,627 |
| Core capital (leverage) ratio | 7.4056% | 7,271 |
| Tier 1 risk-based capital ratio | 11.0805% | 5,829 |
| Total risk-based capital ratio | 11.9230% | 6,125 |
| Memoranda: | ||
| Average total assets | $459,794,500 | 1,552 |
| Average earning assets | $422,356,000 | 1,542 |
| Average equity | $35,940,000 | 1,906 |
| Average total loans | $356,985,500 | 1,410 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2257% | 4,385 |
| Cost of funding earning assets | 2.9417% | 2,090 |
| Net interest margin | 3.2840% | 6,092 |
| Noninterest income to average assets | 3.9626% | 152 |
| Noninterest expense to average assets | 5.6327% | 474 |
| Loan and lease loss provision to assets | 0.2534% | 4,385 |
| Net operating income to assets | 0.7209% | 3,797 |
| Return on assets (ROA) | 0.7306% | 3,591 |
| Pretax return on assets | 1.0953% | 3,042 |
| Return on Equity (ROE) | 9.3427% | 2,500 |
| Retained earnings to average equity (ytd only) | -0.2981% | 5,375 |
| Net charge-offs to loans | 0.2740% | 3,576 |
| Credit loss provision to net charge-offs | 122.2732% | 4,397 |
| Earnings coverage of net charge-offs (x) | 6.4386% | 3,360 |
| Efficiency ratio | 80.7307% | 2,494 |
| Assets per employee ($millions) | 2.1191% | 7,804 |
| Cash dividends to net income (ytd only)* | 103.1911% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5856% | 7,703 |
| Loan loss allowance to noncurrent loans | 231.3747% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 6,685 |
| Noncurrent loans to loans | 0.2531% | 6,625 |
| Net loans and leases to total assets | 75.6579% | 2,718 |
| Net loans and leases to deposits | 101.3089% | 1,669 |
| Net loans and leases to core deposits | 158.2246% | 614 |
| Total domestic deposits to total assets | 74.6804% | 6,522 |
| Equity capital to assets | 7.5149% | 7,368 |
| Core capital (leverage) ratio | 7.5724% | 7,117 |
| Tier 1 risk-based capital ratio | 9.9087% | 6,837 |
| Total risk-based capital ratio | 10.5598% | 7,433 |
| Memoranda: | ||
| Average total assets | $420,351,400 | 1,619 |
| Average earning assets | $384,533,800 | 1,618 |
| Average equity | $32,870,600 | 2,056 |
| Average total loans | $317,870,000 | 1,524 |