Home > First State Bank and Trust Company, Inc. > Performance and Condition Ratios
First State Bank and Trust Company, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9136% | 710 |
| Cost of funding earning assets | 1.7105% | 1,428 |
| Net interest margin | 4.2031% | 930 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 2.4865% | 2,337 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.8305% | 584 |
| Return on assets (ROA) | 1.8210% | 572 |
| Pretax return on assets | 1.8210% | 863 |
| Return on Equity (ROE) | 19.4000% | 670 |
| Retained earnings to average equity (ytd only) | 10.1584% | 975 |
| Net charge-offs to loans | 0.1132% | 835 |
| Credit loss provision to net charge-offs | 133.3333% | 1,570 |
| Earnings coverage of net charge-offs (x) | 24.7756% | 1,750 |
| Efficiency ratio | 56.0327% | 3,495 |
| Assets per employee ($millions) | 7.3586% | 1,840 |
| Cash dividends to net income (ytd only)* | 47.6463% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1468% | 2,565 |
| Loan loss allowance to noncurrent loans | 71.8193% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 1.2194% | 353 |
| Noncurrent loans to loans | 1.5968% | 409 |
| Net loans and leases to total assets | 68.7400% | 1,952 |
| Net loans and leases to deposits | 81.2905% | 2,006 |
| Net loans and leases to core deposits | 93.1003% | 1,836 |
| Total domestic deposits to total assets | 84.5600% | 2,451 |
| Equity capital to assets | 9.7754% | 2,144 |
| Core capital (leverage) ratio | 12.0298% | 1,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $576,277,600 | 1,534 |
| Average earning assets | $520,972,400 | 1,574 |
| Average equity | $54,083,400 | 1,513 |
| Average total loans | $397,375,600 | 1,480 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7191% | 769 |
| Cost of funding earning assets | 1.4929% | 1,629 |
| Net interest margin | 4.2262% | 886 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 2.4562% | 2,357 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.8161% | 646 |
| Return on assets (ROA) | 1.8161% | 639 |
| Pretax return on assets | 1.8161% | 990 |
| Return on Equity (ROE) | 19.5600% | 768 |
| Retained earnings to average equity (ytd only) | 13.2783% | 777 |
| Net charge-offs to loans | 0.0376% | 1,350 |
| Credit loss provision to net charge-offs | 405.4054% | 717 |
| Earnings coverage of net charge-offs (x) | 74.1622% | 1,089 |
| Efficiency ratio | 55.8991% | 3,407 |
| Assets per employee ($millions) | 6.6714% | 2,203 |
| Cash dividends to net income (ytd only)* | 32.1254% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 2,462 |
| Loan loss allowance to noncurrent loans | 73.1715% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 1.2611% | 340 |
| Noncurrent loans to loans | 1.6153% | 428 |
| Net loans and leases to total assets | 70.3800% | 1,780 |
| Net loans and leases to deposits | 82.1956% | 1,889 |
| Net loans and leases to core deposits | 92.9287% | 1,738 |
| Total domestic deposits to total assets | 85.6200% | 2,306 |
| Equity capital to assets | 8.5860% | 2,671 |
| Core capital (leverage) ratio | 12.1776% | 1,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $571,335,000 | 1,551 |
| Average earning assets | $516,196,250 | 1,582 |
| Average equity | $53,037,750 | 1,526 |
| Average total loans | $393,106,250 | 1,482 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5002% | 831 |
| Cost of funding earning assets | 1.1683% | 2,081 |
| Net interest margin | 4.3318% | 773 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.4788% | 2,265 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.8909% | 571 |
| Return on assets (ROA) | 1.8909% | 563 |
| Pretax return on assets | 1.8909% | 887 |
| Return on Equity (ROE) | 19.8500% | 721 |
| Retained earnings to average equity (ytd only) | 16.1440% | 459 |
| Net charge-offs to loans | 0.0099% | 1,832 |
| Credit loss provision to net charge-offs | 1,578.9474% | 308 |
| Earnings coverage of net charge-offs (x) | 297.4737% | 453 |
| Efficiency ratio | 55.1784% | 3,515 |
| Assets per employee ($millions) | 6.2458% | 2,509 |
| Cash dividends to net income (ytd only)* | 18.6846% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 2,308 |
| Loan loss allowance to noncurrent loans | 97.5235% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.9635% | 497 |
| Noncurrent loans to loans | 1.2581% | 565 |
| Net loans and leases to total assets | 66.9500% | 2,059 |
| Net loans and leases to deposits | 80.2756% | 1,953 |
| Net loans and leases to core deposits | 90.7331% | 1,749 |
| Total domestic deposits to total assets | 83.4000% | 2,957 |
| Equity capital to assets | 9.3235% | 2,296 |
| Core capital (leverage) ratio | 12.6057% | 1,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $566,084,333 | 1,568 |
| Average earning assets | $508,928,667 | 1,604 |
| Average equity | $53,914,667 | 1,507 |
| Average total loans | $384,770,333 | 1,498 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2687% | 861 |
| Cost of funding earning assets | 0.7400% | 2,927 |
| Net interest margin | 4.5287% | 562 |
| Noninterest income to average assets | 0.7300% | 1,008 |
| Noninterest expense to average assets | 2.5638% | 2,066 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 2.1556% | 397 |
| Return on assets (ROA) | 2.1556% | 391 |
| Pretax return on assets | 2.1556% | 608 |
| Return on Equity (ROE) | 22.3800% | 557 |
| Retained earnings to average equity (ytd only) | 22.3840% | 274 |
| Net charge-offs to loans | 0.0095% | 1,585 |
| Credit loss provision to net charge-offs | 1,666.6667% | 237 |
| Earnings coverage of net charge-offs (x) | 349.3333% | 322 |
| Efficiency ratio | 52.9157% | 3,713 |
| Assets per employee ($millions) | 6.3410% | 2,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2594% | 2,245 |
| Loan loss allowance to noncurrent loans | 353.5022% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.3530% | 1,455 |
| Noncurrent loans to loans | 0.3563% | 1,866 |
| Net loans and leases to total assets | 65.9000% | 2,068 |
| Net loans and leases to deposits | 76.9730% | 2,042 |
| Net loans and leases to core deposits | 89.6027% | 1,639 |
| Total domestic deposits to total assets | 85.6200% | 2,696 |
| Equity capital to assets | 9.8060% | 1,928 |
| Core capital (leverage) ratio | 12.5874% | 1,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $555,572,500 | 1,612 |
| Average earning assets | $503,275,500 | 1,640 |
| Average equity | $53,502,500 | 1,525 |
| Average total loans | $378,172,500 | 1,530 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5482% | 667 |
| Cost of funding earning assets | 0.4235% | 1,915 |
| Net interest margin | 4.1247% | 629 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 2.5292% | 2,025 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.8501% | 390 |
| Return on assets (ROA) | 1.8501% | 375 |
| Pretax return on assets | 1.8501% | 649 |
| Return on Equity (ROE) | 18.5200% | 629 |
| Retained earnings to average equity (ytd only) | 18.5197% | 122 |
| Net charge-offs to loans | 0.1305% | 607 |
| Credit loss provision to net charge-offs | 96.4126% | 1,588 |
| Earnings coverage of net charge-offs (x) | 22.5000% | 1,836 |
| Efficiency ratio | 56.4534% | 3,530 |
| Assets per employee ($millions) | 7.1947% | 1,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8750% | 3,856 |
| Loan loss allowance to noncurrent loans | 246.9888% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.3649% | 1,405 |
| Noncurrent loans to loans | 0.3543% | 1,875 |
| Net loans and leases to total assets | 68.8300% | 1,754 |
| Net loans and leases to deposits | 80.0073% | 1,770 |
| Net loans and leases to core deposits | 85.7879% | 1,768 |
| Total domestic deposits to total assets | 86.0300% | 2,714 |
| Equity capital to assets | 9.4486% | 2,047 |
| Core capital (leverage) ratio | 12.6182% | 1,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $519,172,800 | 1,679 |
| Average earning assets | $481,663,400 | 1,669 |
| Average equity | $51,863,800 | 1,568 |
| Average total loans | $341,863,600 | 1,572 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4124% | 571 |
| Cost of funding earning assets | 0.3190% | 1,971 |
| Net interest margin | 4.0935% | 527 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 2.5283% | 1,929 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.8703% | 372 |
| Return on assets (ROA) | 1.8703% | 362 |
| Pretax return on assets | 1.8703% | 633 |
| Return on Equity (ROE) | 18.4600% | 581 |
| Retained earnings to average equity (ytd only) | 18.4559% | 147 |
| Net charge-offs to loans | 0.1745% | 382 |
| Credit loss provision to net charge-offs | 64.3678% | 1,474 |
| Earnings coverage of net charge-offs (x) | 17.1632% | 1,796 |
| Efficiency ratio | 56.3097% | 3,596 |
| Assets per employee ($millions) | 6.7501% | 2,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8348% | 4,015 |
| Loan loss allowance to noncurrent loans | 286.9252% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.3285% | 1,620 |
| Noncurrent loans to loans | 0.2910% | 2,201 |
| Net loans and leases to total assets | 70.0000% | 1,477 |
| Net loans and leases to deposits | 81.4963% | 1,483 |
| Net loans and leases to core deposits | 89.8222% | 1,303 |
| Total domestic deposits to total assets | 85.8900% | 3,089 |
| Equity capital to assets | 8.4797% | 2,557 |
| Core capital (leverage) ratio | 12.3960% | 1,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $512,266,250 | 1,699 |
| Average earning assets | $475,702,750 | 1,694 |
| Average equity | $51,913,500 | 1,595 |
| Average total loans | $332,412,000 | 1,594 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2557% | 561 |
| Cost of funding earning assets | 0.2282% | 2,529 |
| Net interest margin | 4.0275% | 469 |
| Noninterest income to average assets | 0.6966% | 1,351 |
| Noninterest expense to average assets | 2.5160% | 1,879 |
| Loan and lease loss provision to assets | 0.0596% | 1,523 |
| Net operating income to assets | 1.8612% | 294 |
| Return on assets (ROA) | 1.8612% | 289 |
| Pretax return on assets | 1.8612% | 509 |
| Return on Equity (ROE) | 17.3517% | 528 |
| Retained earnings to average equity (ytd only) | 17.3517% | 134 |
| Net charge-offs to loans | 0.2075% | 314 |
| Credit loss provision to net charge-offs | 45.7317% | 1,515 |
| Earnings coverage of net charge-offs (x) | 14.7287% | 1,649 |
| Efficiency ratio | 56.4746% | 3,727 |
| Assets per employee ($millions) | 6.3921% | 2,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9039% | 3,943 |
| Loan loss allowance to noncurrent loans | 225.9657% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.4005% | 1,404 |
| Noncurrent loans to loans | 0.4000% | 1,933 |
| Net loans and leases to total assets | 67.7279% | 1,502 |
| Net loans and leases to deposits | 77.0437% | 1,603 |
| Net loans and leases to core deposits | 83.2428% | 1,498 |
| Total domestic deposits to total assets | 87.9085% | 2,611 |
| Equity capital to assets | 9.7572% | 1,846 |
| Core capital (leverage) ratio | 12.5952% | 943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $503,020,000 | 1,719 |
| Average earning assets | $467,139,667 | 1,729 |
| Average equity | $53,954,333 | 1,583 |
| Average total loans | $316,162,333 | 1,646 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0472% | 702 |
| Cost of funding earning assets | 0.2162% | 2,577 |
| Net interest margin | 3.8310% | 601 |
| Noninterest income to average assets | 0.5878% | 1,747 |
| Noninterest expense to average assets | 2.4962% | 1,893 |
| Loan and lease loss provision to assets | 0.0481% | 1,506 |
| Net operating income to assets | 1.5949% | 516 |
| Return on assets (ROA) | 1.5949% | 515 |
| Pretax return on assets | 1.5949% | 836 |
| Return on Equity (ROE) | 14.2112% | 793 |
| Retained earnings to average equity (ytd only) | 14.2112% | 360 |
| Net charge-offs to loans | -0.0200% | 3,914 |
| Credit loss provision to net charge-offs | -400.0000% | 3,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0542% | 3,478 |
| Assets per employee ($millions) | 6.3522% | 2,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 3,285 |
| Loan loss allowance to noncurrent loans | 147.0690% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.4623% | 1,323 |
| Noncurrent loans to loans | 0.7552% | 1,260 |
| Net loans and leases to total assets | 60.5408% | 2,008 |
| Net loans and leases to deposits | 68.7588% | 2,074 |
| Net loans and leases to core deposits | 71.5773% | 2,146 |
| Total domestic deposits to total assets | 88.0481% | 2,499 |
| Equity capital to assets | 10.5383% | 1,581 |
| Core capital (leverage) ratio | 12.0403% | 1,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $498,846,000 | 1,736 |
| Average earning assets | $462,443,000 | 1,752 |
| Average equity | $55,984,000 | 1,573 |
| Average total loans | $299,494,500 | 1,703 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3068% | 840 |
| Cost of funding earning assets | 0.2633% | 2,769 |
| Net interest margin | 4.0435% | 651 |
| Noninterest income to average assets | 0.7442% | 1,613 |
| Noninterest expense to average assets | 2.7362% | 1,524 |
| Loan and lease loss provision to assets | 0.0521% | 2,014 |
| Net operating income to assets | 1.6833% | 658 |
| Return on assets (ROA) | 1.6831% | 683 |
| Pretax return on assets | 1.6831% | 1,192 |
| Return on Equity (ROE) | 13.9825% | 1,197 |
| Retained earnings to average equity (ytd only) | 13.9825% | 305 |
| Net charge-offs to loans | 0.0697% | 1,094 |
| Credit loss provision to net charge-offs | 123.7113% | 1,628 |
| Earnings coverage of net charge-offs (x) | 41.2371% | 1,421 |
| Efficiency ratio | 60.9343% | 3,004 |
| Assets per employee ($millions) | 6.5245% | 2,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1437% | 3,155 |
| Loan loss allowance to noncurrent loans | 274.4243% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.2549% | 2,290 |
| Noncurrent loans to loans | 0.4168% | 2,106 |
| Net loans and leases to total assets | 58.1670% | 2,358 |
| Net loans and leases to deposits | 67.3238% | 2,376 |
| Net loans and leases to core deposits | 70.1727% | 2,427 |
| Total domestic deposits to total assets | 86.3989% | 2,759 |
| Equity capital to assets | 11.9153% | 1,292 |
| Core capital (leverage) ratio | 12.1201% | 1,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $461,001,400 | 1,811 |
| Average earning assets | $424,952,000 | 1,823 |
| Average equity | $55,490,800 | 1,619 |
| Average total loans | $278,318,400 | 1,794 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3205% | 925 |
| Cost of funding earning assets | 0.2790% | 2,810 |
| Net interest margin | 4.0415% | 727 |
| Noninterest income to average assets | 0.7774% | 1,592 |
| Noninterest expense to average assets | 2.7342% | 1,502 |
| Loan and lease loss provision to assets | 0.0531% | 1,925 |
| Net operating income to assets | 1.7139% | 804 |
| Return on assets (ROA) | 1.7136% | 845 |
| Pretax return on assets | 1.7136% | 1,380 |
| Return on Equity (ROE) | 14.1970% | 1,339 |
| Retained earnings to average equity (ytd only) | 14.1970% | 489 |
| Net charge-offs to loans | 0.0708% | 944 |
| Credit loss provision to net charge-offs | 123.2877% | 1,448 |
| Earnings coverage of net charge-offs (x) | 41.0548% | 1,350 |
| Efficiency ratio | 60.4820% | 2,913 |
| Assets per employee ($millions) | 5.8047% | 2,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 3,331 |
| Loan loss allowance to noncurrent loans | 477.0445% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.1625% | 3,033 |
| Noncurrent loans to loans | 0.2355% | 2,994 |
| Net loans and leases to total assets | 63.8266% | 1,793 |
| Net loans and leases to deposits | 75.3242% | 1,736 |
| Net loans and leases to core deposits | 80.5328% | 1,689 |
| Total domestic deposits to total assets | 84.7359% | 3,203 |
| Equity capital to assets | 12.4491% | 1,196 |
| Core capital (leverage) ratio | 12.4644% | 994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $452,285,500 | 1,847 |
| Average earning assets | $416,728,500 | 1,867 |
| Average equity | $54,592,500 | 1,664 |
| Average total loans | $274,956,250 | 1,848 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0870% | 1,373 |
| Cost of funding earning assets | 0.2965% | 2,806 |
| Net interest margin | 3.7904% | 1,155 |
| Noninterest income to average assets | 0.8143% | 1,500 |
| Noninterest expense to average assets | 2.7095% | 1,566 |
| Loan and lease loss provision to assets | 0.0533% | 1,970 |
| Net operating income to assets | 1.5438% | 1,183 |
| Return on assets (ROA) | 1.5433% | 1,246 |
| Pretax return on assets | 1.5433% | 1,894 |
| Return on Equity (ROE) | 12.9239% | 1,746 |
| Retained earnings to average equity (ytd only) | 12.9239% | 735 |
| Net charge-offs to loans | 0.1403% | 572 |
| Credit loss provision to net charge-offs | 63.8298% | 1,542 |
| Earnings coverage of net charge-offs (x) | 19.1223% | 1,549 |
| Efficiency ratio | 62.6470% | 2,641 |
| Assets per employee ($millions) | 5.4131% | 3,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1840% | 3,029 |
| Loan loss allowance to noncurrent loans | 224.5993% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3194% | 2,323 |
| Noncurrent loans to loans | 0.5272% | 2,091 |
| Net loans and leases to total assets | 59.8689% | 2,443 |
| Net loans and leases to deposits | 69.7987% | 2,434 |
| Net loans and leases to core deposits | 73.0082% | 2,520 |
| Total domestic deposits to total assets | 85.7736% | 2,812 |
| Equity capital to assets | 12.3819% | 1,187 |
| Core capital (leverage) ratio | 11.8231% | 1,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $450,190,000 | 1,846 |
| Average earning assets | $414,779,333 | 1,859 |
| Average equity | $53,760,667 | 1,672 |
| Average total loans | $267,936,333 | 1,886 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9175% | 1,789 |
| Cost of funding earning assets | 0.3244% | 2,756 |
| Net interest margin | 3.5932% | 1,607 |
| Noninterest income to average assets | 0.9125% | 1,295 |
| Noninterest expense to average assets | 2.6646% | 1,703 |
| Loan and lease loss provision to assets | 0.0533% | 2,042 |
| Net operating income to assets | 1.4983% | 1,336 |
| Return on assets (ROA) | 1.4983% | 1,401 |
| Pretax return on assets | 1.4983% | 1,994 |
| Return on Equity (ROE) | 12.7816% | 1,736 |
| Retained earnings to average equity (ytd only) | 12.7816% | 963 |
| Net charge-offs to loans | 0.2724% | 312 |
| Credit loss provision to net charge-offs | 33.1492% | 1,376 |
| Earnings coverage of net charge-offs (x) | 9.6575% | 1,532 |
| Efficiency ratio | 62.9263% | 2,617 |
| Assets per employee ($millions) | 5.3472% | 3,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1925% | 2,971 |
| Loan loss allowance to noncurrent loans | 362.7002% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.2135% | 3,086 |
| Noncurrent loans to loans | 0.3288% | 2,916 |
| Net loans and leases to total assets | 57.1159% | 2,896 |
| Net loans and leases to deposits | 65.8245% | 2,937 |
| Net loans and leases to core deposits | 68.8290% | 2,985 |
| Total domestic deposits to total assets | 86.7699% | 2,415 |
| Equity capital to assets | 11.4722% | 1,558 |
| Core capital (leverage) ratio | 11.5746% | 1,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $450,642,500 | 1,841 |
| Average earning assets | $414,341,000 | 1,855 |
| Average equity | $52,826,000 | 1,690 |
| Average total loans | $265,802,000 | 1,896 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7192% | 862 |
| Cost of funding earning assets | 0.5408% | 2,672 |
| Net interest margin | 4.1784% | 670 |
| Noninterest income to average assets | 0.7622% | 1,649 |
| Noninterest expense to average assets | 2.7807% | 1,994 |
| Loan and lease loss provision to assets | 0.0366% | 3,954 |
| Net operating income to assets | 1.7481% | 439 |
| Return on assets (ROA) | 1.7481% | 476 |
| Pretax return on assets | 1.7481% | 768 |
| Return on Equity (ROE) | 14.0981% | 790 |
| Retained earnings to average equity (ytd only) | 5.3325% | 2,127 |
| Net charge-offs to loans | 0.0962% | 1,504 |
| Credit loss provision to net charge-offs | 56.6038% | 3,101 |
| Earnings coverage of net charge-offs (x) | 27.6226% | 1,676 |
| Efficiency ratio | 60.6248% | 3,370 |
| Assets per employee ($millions) | 5.2551% | 3,091 |
| Cash dividends to net income (ytd only)* | 62.1757% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2382% | 2,758 |
| Loan loss allowance to noncurrent loans | 875.2660% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 3,763 |
| Noncurrent loans to loans | 0.1415% | 3,716 |
| Net loans and leases to total assets | 59.4642% | 2,923 |
| Net loans and leases to deposits | 69.0050% | 2,979 |
| Net loans and leases to core deposits | 72.5175% | 3,028 |
| Total domestic deposits to total assets | 86.1739% | 2,291 |
| Equity capital to assets | 11.9830% | 1,574 |
| Core capital (leverage) ratio | 11.6141% | 1,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $410,148,000 | 1,830 |
| Average earning assets | $373,325,400 | 1,858 |
| Average equity | $50,857,800 | 1,668 |
| Average total loans | $275,436,400 | 1,799 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7119% | 1,036 |
| Cost of funding earning assets | 0.5909% | 2,673 |
| Net interest margin | 4.1209% | 862 |
| Noninterest income to average assets | 0.7344% | 1,687 |
| Noninterest expense to average assets | 2.8056% | 1,952 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.6795% | 602 |
| Return on assets (ROA) | 1.6795% | 671 |
| Pretax return on assets | 1.6795% | 1,006 |
| Return on Equity (ROE) | 13.4209% | 997 |
| Retained earnings to average equity (ytd only) | 5.0845% | 2,524 |
| Net charge-offs to loans | 0.0960% | 1,346 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 25.3400% | 1,726 |
| Efficiency ratio | 62.2580% | 3,028 |
| Assets per employee ($millions) | 5.1768% | 3,038 |
| Cash dividends to net income (ytd only)* | 62.1152% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0690% | 3,368 |
| Loan loss allowance to noncurrent loans | 641.2000% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.1534% | 3,650 |
| Noncurrent loans to loans | 0.1667% | 3,716 |
| Net loans and leases to total assets | 69.8945% | 1,964 |
| Net loans and leases to deposits | 85.0322% | 1,807 |
| Net loans and leases to core deposits | 92.2185% | 1,778 |
| Total domestic deposits to total assets | 82.1976% | 3,368 |
| Equity capital to assets | 12.1776% | 1,583 |
| Core capital (leverage) ratio | 11.6492% | 1,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $402,328,750 | 1,835 |
| Average earning assets | $366,186,000 | 1,861 |
| Average equity | $50,348,250 | 1,673 |
| Average total loans | $277,850,250 | 1,772 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6660% | 1,487 |
| Cost of funding earning assets | 0.6436% | 2,735 |
| Net interest margin | 4.0224% | 1,268 |
| Noninterest income to average assets | 0.8027% | 1,430 |
| Noninterest expense to average assets | 2.8592% | 1,948 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.5957% | 767 |
| Return on assets (ROA) | 1.5957% | 836 |
| Pretax return on assets | 1.5957% | 1,231 |
| Return on Equity (ROE) | 12.6293% | 1,185 |
| Retained earnings to average equity (ytd only) | 4.3808% | 2,751 |
| Net charge-offs to loans | 0.0998% | 1,274 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 23.3407% | 1,601 |
| Efficiency ratio | 63.8854% | 2,839 |
| Assets per employee ($millions) | 5.1215% | 3,036 |
| Cash dividends to net income (ytd only)* | 65.3126% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1305% | 2,875 |
| Loan loss allowance to noncurrent loans | 786.2981% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.1661% | 3,695 |
| Noncurrent loans to loans | 0.1438% | 3,883 |
| Net loans and leases to total assets | 67.2957% | 2,455 |
| Net loans and leases to deposits | 81.6281% | 2,243 |
| Net loans and leases to core deposits | 85.7267% | 2,457 |
| Total domestic deposits to total assets | 82.4419% | 3,257 |
| Equity capital to assets | 11.9790% | 1,676 |
| Core capital (leverage) ratio | 11.8002% | 1,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $394,938,333 | 1,830 |
| Average earning assets | $358,592,333 | 1,862 |
| Average equity | $49,899,667 | 1,674 |
| Average total loans | $270,497,667 | 1,796 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8392% | 1,333 |
| Cost of funding earning assets | 0.7360% | 2,751 |
| Net interest margin | 4.1031% | 1,129 |
| Noninterest income to average assets | 0.9930% | 873 |
| Noninterest expense to average assets | 2.9463% | 2,017 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.7448% | 462 |
| Return on assets (ROA) | 1.7448% | 508 |
| Pretax return on assets | 1.7448% | 781 |
| Return on Equity (ROE) | 13.4200% | 803 |
| Retained earnings to average equity (ytd only) | 5.4182% | 2,106 |
| Net charge-offs to loans | 0.0735% | 1,289 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 34.5208% | 1,102 |
| Efficiency ratio | 62.5140% | 3,437 |
| Assets per employee ($millions) | 4.4703% | 3,306 |
| Cash dividends to net income (ytd only)* | 59.6258% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2980% | 2,166 |
| Loan loss allowance to noncurrent loans | 480.4006% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.2029% | 3,672 |
| Noncurrent loans to loans | 0.2702% | 3,527 |
| Net loans and leases to total assets | 68.0035% | 2,537 |
| Net loans and leases to deposits | 80.5102% | 2,627 |
| Net loans and leases to core deposits | 84.9572% | 2,768 |
| Total domestic deposits to total assets | 84.4656% | 2,608 |
| Equity capital to assets | 13.3128% | 1,299 |
| Core capital (leverage) ratio | 13.0019% | 1,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $379,865,000 | 1,846 |
| Average earning assets | $342,371,500 | 1,882 |
| Average equity | $49,389,000 | 1,681 |
| Average total loans | $261,079,000 | 1,803 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0379% | 1,373 |
| Cost of funding earning assets | 0.8014% | 2,677 |
| Net interest margin | 4.2365% | 1,241 |
| Noninterest income to average assets | 0.7762% | 1,522 |
| Noninterest expense to average assets | 3.0153% | 1,979 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6281% | 784 |
| Return on assets (ROA) | 1.6307% | 828 |
| Pretax return on assets | 1.6307% | 1,399 |
| Return on Equity (ROE) | 12.9824% | 1,173 |
| Retained earnings to average equity (ytd only) | 5.0188% | 2,400 |
| Net charge-offs to loans | 0.0906% | 1,826 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 25.5983% | 1,728 |
| Efficiency ratio | 64.6341% | 2,984 |
| Assets per employee ($millions) | 4.5741% | 3,117 |
| Cash dividends to net income (ytd only)* | 61.3414% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 1,960 |
| Loan loss allowance to noncurrent loans | 407.2967% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.2199% | 3,576 |
| Noncurrent loans to loans | 0.3173% | 3,300 |
| Net loans and leases to total assets | 67.6787% | 2,729 |
| Net loans and leases to deposits | 79.2201% | 2,880 |
| Net loans and leases to core deposits | 83.4325% | 3,004 |
| Total domestic deposits to total assets | 85.4313% | 2,332 |
| Equity capital to assets | 12.6977% | 1,706 |
| Core capital (leverage) ratio | 12.6860% | 1,381 |
| Tier 1 risk-based capital ratio | 16.3124% | 2,289 |
| Total risk-based capital ratio | 17.4725% | 2,268 |
| Memoranda: | ||
| Average total assets | $375,783,800 | 1,821 |
| Average earning assets | $343,020,200 | 1,837 |
| Average equity | $47,202,200 | 1,680 |
| Average total loans | $263,843,800 | 1,757 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9978% | 1,550 |
| Cost of funding earning assets | 0.7918% | 2,757 |
| Net interest margin | 4.2059% | 1,369 |
| Noninterest income to average assets | 0.7686% | 1,526 |
| Noninterest expense to average assets | 2.9918% | 2,001 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6335% | 855 |
| Return on assets (ROA) | 1.6370% | 894 |
| Pretax return on assets | 1.6370% | 1,504 |
| Return on Equity (ROE) | 13.0693% | 1,261 |
| Retained earnings to average equity (ytd only) | 5.6316% | 2,551 |
| Net charge-offs to loans | 0.1010% | 1,461 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 22.8900% | 1,852 |
| Efficiency ratio | 64.3755% | 2,953 |
| Assets per employee ($millions) | 4.5663% | 3,098 |
| Cash dividends to net income (ytd only)* | 56.9094% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2168% | 2,423 |
| Loan loss allowance to noncurrent loans | 451.5072% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.2013% | 3,763 |
| Noncurrent loans to loans | 0.2695% | 3,577 |
| Net loans and leases to total assets | 72.9113% | 2,017 |
| Net loans and leases to deposits | 85.5111% | 2,257 |
| Net loans and leases to core deposits | 90.2017% | 2,535 |
| Total domestic deposits to total assets | 85.2652% | 2,317 |
| Equity capital to assets | 12.5870% | 1,850 |
| Core capital (leverage) ratio | 12.6502% | 1,505 |
| Tier 1 risk-based capital ratio | 15.3006% | 2,714 |
| Total risk-based capital ratio | 16.4110% | 2,704 |
| Memoranda: | ||
| Average total assets | $373,673,000 | 1,843 |
| Average earning assets | $342,650,250 | 1,854 |
| Average equity | $46,805,750 | 1,693 |
| Average total loans | $263,943,500 | 1,767 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8844% | 1,805 |
| Cost of funding earning assets | 0.7248% | 3,016 |
| Net interest margin | 4.1595% | 1,462 |
| Noninterest income to average assets | 0.7598% | 1,478 |
| Noninterest expense to average assets | 3.0083% | 1,985 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5692% | 973 |
| Return on assets (ROA) | 1.5692% | 1,016 |
| Pretax return on assets | 1.5692% | 1,642 |
| Return on Equity (ROE) | 12.5490% | 1,386 |
| Retained earnings to average equity (ytd only) | 6.0241% | 2,272 |
| Net charge-offs to loans | 0.1545% | 1,019 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 14.6030% | 2,026 |
| Efficiency ratio | 65.4123% | 2,903 |
| Assets per employee ($millions) | 4.3639% | 3,339 |
| Cash dividends to net income (ytd only)* | 51.9959% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 2,143 |
| Loan loss allowance to noncurrent loans | 840.4878% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.1162% | 4,178 |
| Noncurrent loans to loans | 0.1509% | 4,009 |
| Net loans and leases to total assets | 71.4945% | 2,290 |
| Net loans and leases to deposits | 83.8052% | 2,511 |
| Net loans and leases to core deposits | 88.4798% | 2,749 |
| Total domestic deposits to total assets | 85.3104% | 2,341 |
| Equity capital to assets | 12.6808% | 1,754 |
| Core capital (leverage) ratio | 12.8452% | 1,378 |
| Tier 1 risk-based capital ratio | 15.5228% | 2,620 |
| Total risk-based capital ratio | 16.6629% | 2,583 |
| Memoranda: | ||
| Average total assets | $370,374,330 | 1,868 |
| Average earning assets | $339,940,670 | 1,869 |
| Average equity | $46,314,330 | 1,706 |
| Average total loans | $257,554,670 | 1,807 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7769% | 1,965 |
| Cost of funding earning assets | 0.6324% | 3,394 |
| Net interest margin | 4.1445% | 1,440 |
| Noninterest income to average assets | 0.7110% | 1,575 |
| Noninterest expense to average assets | 3.0148% | 1,955 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5080% | 1,094 |
| Return on assets (ROA) | 1.5080% | 1,122 |
| Pretax return on assets | 1.5080% | 1,734 |
| Return on Equity (ROE) | 12.1463% | 1,482 |
| Retained earnings to average equity (ytd only) | 5.8148% | 2,539 |
| Net charge-offs to loans | 0.1773% | 774 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 12.4955% | 1,869 |
| Efficiency ratio | 66.3462% | 2,894 |
| Assets per employee ($millions) | 4.1245% | 3,734 |
| Cash dividends to net income (ytd only)* | 52.1269% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4140% | 1,622 |
| Loan loss allowance to noncurrent loans | 829.5775% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.1588% | 4,016 |
| Noncurrent loans to loans | 0.1705% | 3,985 |
| Net loans and leases to total assets | 68.6630% | 2,665 |
| Net loans and leases to deposits | 80.6372% | 2,763 |
| Net loans and leases to core deposits | 85.2297% | 2,938 |
| Total domestic deposits to total assets | 85.1506% | 2,622 |
| Equity capital to assets | 12.9363% | 1,493 |
| Core capital (leverage) ratio | 12.7930% | 1,361 |
| Tier 1 risk-based capital ratio | 16.2051% | 2,363 |
| Total risk-based capital ratio | 17.4452% | 2,316 |
| Memoranda: | ||
| Average total assets | $367,915,000 | 1,883 |
| Average earning assets | $338,375,500 | 1,890 |
| Average equity | $45,676,500 | 1,715 |
| Average total loans | $250,452,000 | 1,857 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7451% | 1,691 |
| Cost of funding earning assets | 0.5573% | 3,002 |
| Net interest margin | 4.1878% | 1,423 |
| Noninterest income to average assets | 0.9123% | 1,152 |
| Noninterest expense to average assets | 3.1311% | 1,724 |
| Loan and lease loss provision to assets | 0.0692% | 2,753 |
| Net operating income to assets | 1.5673% | 951 |
| Return on assets (ROA) | 1.5607% | 959 |
| Pretax return on assets | 1.5607% | 1,589 |
| Return on Equity (ROE) | 13.1298% | 1,296 |
| Retained earnings to average equity (ytd only) | 7.1204% | 1,618 |
| Net charge-offs to loans | 0.0940% | 1,826 |
| Credit loss provision to net charge-offs | 104.6025% | 2,432 |
| Earnings coverage of net charge-offs (x) | 24.7322% | 1,799 |
| Efficiency ratio | 65.3659% | 2,975 |
| Assets per employee ($millions) | 4.5421% | 3,101 |
| Cash dividends to net income (ytd only)* | 45.7690% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4523% | 1,436 |
| Loan loss allowance to noncurrent loans | 649.7326% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.1997% | 3,830 |
| Noncurrent loans to loans | 0.2235% | 3,778 |
| Net loans and leases to total assets | 65.6078% | 3,183 |
| Net loans and leases to deposits | 76.0158% | 3,349 |
| Net loans and leases to core deposits | 79.8643% | 3,439 |
| Total domestic deposits to total assets | 86.3080% | 2,084 |
| Equity capital to assets | 11.9187% | 1,958 |
| Core capital (leverage) ratio | 12.5004% | 1,453 |
| Tier 1 risk-based capital ratio | 16.2028% | 2,344 |
| Total risk-based capital ratio | 17.4554% | 2,282 |
| Memoranda: | ||
| Average total assets | $361,184,800 | 1,871 |
| Average earning assets | $332,510,200 | 1,878 |
| Average equity | $42,933,000 | 1,740 |
| Average total loans | $254,375,000 | 1,804 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7345% | 1,588 |
| Cost of funding earning assets | 0.5121% | 3,117 |
| Net interest margin | 4.2224% | 1,303 |
| Noninterest income to average assets | 0.7472% | 1,685 |
| Noninterest expense to average assets | 3.1217% | 1,712 |
| Loan and lease loss provision to assets | 0.0840% | 2,285 |
| Net operating income to assets | 1.4284% | 1,394 |
| Return on assets (ROA) | 1.4272% | 1,395 |
| Pretax return on assets | 1.4272% | 2,130 |
| Return on Equity (ROE) | 12.0155% | 1,786 |
| Retained earnings to average equity (ytd only) | 4.7195% | 3,384 |
| Net charge-offs to loans | 0.1087% | 1,401 |
| Credit loss provision to net charge-offs | 108.1731% | 2,136 |
| Earnings coverage of net charge-offs (x) | 19.4805% | 2,003 |
| Efficiency ratio | 67.0425% | 2,705 |
| Assets per employee ($millions) | 4.1752% | 3,606 |
| Cash dividends to net income (ytd only)* | 60.7217% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 1,912 |
| Loan loss allowance to noncurrent loans | 994.8229% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.1527% | 4,192 |
| Noncurrent loans to loans | 0.1348% | 4,278 |
| Net loans and leases to total assets | 73.1295% | 2,141 |
| Net loans and leases to deposits | 91.6930% | 1,659 |
| Net loans and leases to core deposits | 96.6723% | 2,054 |
| Total domestic deposits to total assets | 79.7547% | 4,162 |
| Equity capital to assets | 11.5883% | 2,190 |
| Core capital (leverage) ratio | 12.2979% | 1,618 |
| Tier 1 risk-based capital ratio | 15.3187% | 2,732 |
| Total risk-based capital ratio | 16.5720% | 2,652 |
| Memoranda: | ||
| Average total assets | $357,232,250 | 1,893 |
| Average earning assets | $328,843,000 | 1,904 |
| Average equity | $42,433,000 | 1,767 |
| Average total loans | $255,223,000 | 1,810 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6503% | 1,643 |
| Cost of funding earning assets | 0.4268% | 3,523 |
| Net interest margin | 4.2235% | 1,228 |
| Noninterest income to average assets | 0.7518% | 1,638 |
| Noninterest expense to average assets | 3.1093% | 1,763 |
| Loan and lease loss provision to assets | 0.0848% | 2,220 |
| Net operating income to assets | 1.4504% | 1,278 |
| Return on assets (ROA) | 1.4521% | 1,273 |
| Pretax return on assets | 1.4521% | 1,976 |
| Return on Equity (ROE) | 12.1222% | 1,678 |
| Retained earnings to average equity (ytd only) | 2.8878% | 4,096 |
| Net charge-offs to loans | 0.0745% | 1,583 |
| Credit loss provision to net charge-offs | 161.2903% | 1,505 |
| Earnings coverage of net charge-offs (x) | 29.2043% | 1,532 |
| Efficiency ratio | 66.6302% | 2,871 |
| Assets per employee ($millions) | 3.8323% | 4,164 |
| Cash dividends to net income (ytd only)* | 76.1775% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4390% | 1,603 |
| Loan loss allowance to noncurrent loans | 662.6571% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.1747% | 4,113 |
| Noncurrent loans to loans | 0.2172% | 3,941 |
| Net loans and leases to total assets | 71.7041% | 2,323 |
| Net loans and leases to deposits | 85.1474% | 2,415 |
| Net loans and leases to core deposits | 91.2582% | 2,464 |
| Total domestic deposits to total assets | 84.2116% | 2,985 |
| Equity capital to assets | 11.9783% | 1,867 |
| Core capital (leverage) ratio | 12.4833% | 1,448 |
| Tier 1 risk-based capital ratio | 15.8270% | 2,497 |
| Total risk-based capital ratio | 17.0830% | 2,439 |
| Memoranda: | ||
| Average total assets | $353,838,330 | 1,918 |
| Average earning assets | $326,130,000 | 1,923 |
| Average equity | $42,385,000 | 1,772 |
| Average total loans | $249,517,670 | 1,837 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5661% | 1,676 |
| Cost of funding earning assets | 0.3978% | 3,607 |
| Net interest margin | 4.1682% | 1,250 |
| Noninterest income to average assets | 0.7482% | 1,630 |
| Noninterest expense to average assets | 3.0671% | 1,907 |
| Loan and lease loss provision to assets | 0.0846% | 2,114 |
| Net operating income to assets | 1.4388% | 1,230 |
| Return on assets (ROA) | 1.4388% | 1,236 |
| Pretax return on assets | 1.4388% | 1,867 |
| Return on Equity (ROE) | 12.0109% | 1,576 |
| Retained earnings to average equity (ytd only) | 2.0254% | 4,342 |
| Net charge-offs to loans | 0.1480% | 939 |
| Credit loss provision to net charge-offs | 82.4176% | 1,726 |
| Earnings coverage of net charge-offs (x) | 14.8352% | 1,689 |
| Efficiency ratio | 66.4946% | 3,081 |
| Assets per employee ($millions) | 3.7919% | 4,297 |
| Cash dividends to net income (ytd only)* | 83.1373% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4967% | 1,479 |
| Loan loss allowance to noncurrent loans | 1,520.1681% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0866% | 4,655 |
| Noncurrent loans to loans | 0.0985% | 4,531 |
| Net loans and leases to total assets | 68.2583% | 2,734 |
| Net loans and leases to deposits | 79.3390% | 2,883 |
| Net loans and leases to core deposits | 84.9771% | 2,898 |
| Total domestic deposits to total assets | 86.0337% | 2,529 |
| Equity capital to assets | 12.0610% | 1,738 |
| Core capital (leverage) ratio | 12.1639% | 1,553 |
| Tier 1 risk-based capital ratio | 16.0390% | 2,450 |
| Total risk-based capital ratio | 17.2947% | 2,391 |
| Memoranda: | ||
| Average total assets | $354,472,500 | 1,923 |
| Average earning assets | $326,758,500 | 1,937 |
| Average equity | $42,461,500 | 1,774 |
| Average total loans | $246,027,500 | 1,873 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6243% | 1,363 |
| Cost of funding earning assets | 0.4044% | 3,207 |
| Net interest margin | 4.2200% | 1,147 |
| Noninterest income to average assets | 0.8605% | 1,382 |
| Noninterest expense to average assets | 3.1304% | 1,773 |
| Loan and lease loss provision to assets | 0.0857% | 2,484 |
| Net operating income to assets | 1.5294% | 754 |
| Return on assets (ROA) | 1.5297% | 761 |
| Pretax return on assets | 1.5297% | 1,525 |
| Return on Equity (ROE) | 12.7697% | 1,004 |
| Retained earnings to average equity (ytd only) | 2.6450% | 3,741 |
| Net charge-offs to loans | 0.1067% | 2,003 |
| Credit loss provision to net charge-offs | 114.5038% | 2,288 |
| Earnings coverage of net charge-offs (x) | 21.5763% | 1,894 |
| Efficiency ratio | 65.7014% | 3,316 |
| Assets per employee ($millions) | 3.7510% | 4,358 |
| Cash dividends to net income (ytd only)* | 79.2865% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4518% | 1,574 |
| Loan loss allowance to noncurrent loans | 903.9801% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.1344% | 4,468 |
| Noncurrent loans to loans | 0.1606% | 4,287 |
| Net loans and leases to total assets | 68.5053% | 2,750 |
| Net loans and leases to deposits | 79.4367% | 2,978 |
| Net loans and leases to core deposits | 87.1111% | 2,810 |
| Total domestic deposits to total assets | 86.2388% | 2,333 |
| Equity capital to assets | 11.8992% | 1,911 |
| Core capital (leverage) ratio | 12.1988% | 1,498 |
| Tier 1 risk-based capital ratio | 15.0743% | 2,815 |
| Total risk-based capital ratio | 16.3331% | 2,750 |
| Memoranda: | ||
| Average total assets | $350,014,600 | 1,916 |
| Average earning assets | $322,230,600 | 1,928 |
| Average equity | $41,927,400 | 1,778 |
| Average total loans | $245,618,600 | 1,847 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6111% | 1,339 |
| Cost of funding earning assets | 0.4036% | 3,154 |
| Net interest margin | 4.2074% | 1,136 |
| Noninterest income to average assets | 0.8798% | 1,340 |
| Noninterest expense to average assets | 3.2011% | 1,554 |
| Loan and lease loss provision to assets | 0.0863% | 2,365 |
| Net operating income to assets | 1.4638% | 969 |
| Return on assets (ROA) | 1.4676% | 976 |
| Pretax return on assets | 1.4676% | 1,885 |
| Return on Equity (ROE) | 12.2307% | 1,263 |
| Retained earnings to average equity (ytd only) | 1.6308% | 4,773 |
| Net charge-offs to loans | 0.1238% | 1,547 |
| Credit loss provision to net charge-offs | 99.1189% | 2,329 |
| Earnings coverage of net charge-offs (x) | 17.7973% | 2,087 |
| Efficiency ratio | 67.1243% | 3,032 |
| Assets per employee ($millions) | 3.6976% | 4,453 |
| Cash dividends to net income (ytd only)* | 86.6667% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 2,130 |
| Loan loss allowance to noncurrent loans | 984.6575% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.1090% | 4,701 |
| Noncurrent loans to loans | 0.1369% | 4,507 |
| Net loans and leases to total assets | 74.0789% | 1,899 |
| Net loans and leases to deposits | 93.5352% | 1,349 |
| Net loans and leases to core deposits | 100.3771% | 1,672 |
| Total domestic deposits to total assets | 79.1990% | 4,498 |
| Equity capital to assets | 11.9837% | 1,976 |
| Core capital (leverage) ratio | 12.0285% | 1,668 |
| Tier 1 risk-based capital ratio | 14.4994% | 3,182 |
| Total risk-based capital ratio | 15.7477% | 3,098 |
| Memoranda: | ||
| Average total assets | $347,495,250 | 1,937 |
| Average earning assets | $319,743,000 | 1,949 |
| Average equity | $41,697,250 | 1,807 |
| Average total loans | $244,444,250 | 1,858 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5180% | 1,473 |
| Cost of funding earning assets | 0.3695% | 3,387 |
| Net interest margin | 4.1484% | 1,211 |
| Noninterest income to average assets | 0.9281% | 1,188 |
| Noninterest expense to average assets | 3.2232% | 1,528 |
| Loan and lease loss provision to assets | 0.0870% | 2,242 |
| Net operating income to assets | 1.4383% | 981 |
| Return on assets (ROA) | 1.4383% | 1,012 |
| Pretax return on assets | 1.4383% | 1,863 |
| Return on Equity (ROE) | 11.9807% | 1,306 |
| Retained earnings to average equity (ytd only) | -0.6471% | 5,178 |
| Net charge-offs to loans | 0.1097% | 1,537 |
| Credit loss provision to net charge-offs | 115.3846% | 1,830 |
| Earnings coverage of net charge-offs (x) | 20.2385% | 1,802 |
| Efficiency ratio | 67.6596% | 3,069 |
| Assets per employee ($millions) | 3.1469% | 5,149 |
| Cash dividends to net income (ytd only)* | 105.4010% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4572% | 1,734 |
| Loan loss allowance to noncurrent loans | 892.8395% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.1181% | 4,729 |
| Noncurrent loans to loans | 0.1632% | 4,464 |
| Net loans and leases to total assets | 71.2905% | 2,320 |
| Net loans and leases to deposits | 85.4951% | 2,287 |
| Net loans and leases to core deposits | 91.7596% | 2,359 |
| Total domestic deposits to total assets | 83.3856% | 3,437 |
| Equity capital to assets | 12.1828% | 1,802 |
| Core capital (leverage) ratio | 12.1862% | 1,542 |
| Tier 1 risk-based capital ratio | 15.1338% | 2,870 |
| Total risk-based capital ratio | 16.3870% | 2,802 |
| Memoranda: | ||
| Average total assets | $345,002,330 | 1,950 |
| Average earning assets | $317,710,000 | 1,966 |
| Average equity | $41,416,670 | 1,812 |
| Average total loans | $237,074,000 | 1,908 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4289% | 1,558 |
| Cost of funding earning assets | 0.3565% | 3,460 |
| Net interest margin | 4.0724% | 1,292 |
| Noninterest income to average assets | 1.0139% | 980 |
| Noninterest expense to average assets | 3.2405% | 1,499 |
| Loan and lease loss provision to assets | 0.0867% | 2,090 |
| Net operating income to assets | 1.4370% | 921 |
| Return on assets (ROA) | 1.4370% | 945 |
| Pretax return on assets | 1.4370% | 1,744 |
| Return on Equity (ROE) | 12.0589% | 1,216 |
| Retained earnings to average equity (ytd only) | -2.7843% | 5,245 |
| Net charge-offs to loans | 0.1209% | 1,200 |
| Credit loss provision to net charge-offs | 107.1429% | 1,498 |
| Earnings coverage of net charge-offs (x) | 18.8286% | 1,556 |
| Efficiency ratio | 67.9204% | 3,213 |
| Assets per employee ($millions) | 3.2275% | 5,125 |
| Cash dividends to net income (ytd only)* | 123.0893% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5608% | 1,476 |
| Loan loss allowance to noncurrent loans | 1,343.6567% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.0875% | 4,925 |
| Noncurrent loans to loans | 0.1162% | 4,727 |
| Net loans and leases to total assets | 65.7639% | 3,008 |
| Net loans and leases to deposits | 76.3553% | 3,154 |
| Net loans and leases to core deposits | 81.6049% | 3,129 |
| Total domestic deposits to total assets | 86.1287% | 2,614 |
| Equity capital to assets | 11.9155% | 1,901 |
| Core capital (leverage) ratio | 11.9778% | 1,646 |
| Tier 1 risk-based capital ratio | 15.7399% | 2,646 |
| Total risk-based capital ratio | 16.9934% | 2,592 |
| Memoranda: | ||
| Average total assets | $345,999,000 | 1,959 |
| Average earning assets | $318,635,000 | 1,971 |
| Average equity | $41,231,000 | 1,810 |
| Average total loans | $231,536,500 | 1,946 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6724% | 1,112 |
| Cost of funding earning assets | 0.3737% | 3,279 |
| Net interest margin | 4.2987% | 934 |
| Noninterest income to average assets | 0.8888% | 1,448 |
| Noninterest expense to average assets | 3.2388% | 1,705 |
| Loan and lease loss provision to assets | 0.0876% | 2,614 |
| Net operating income to assets | 1.4912% | 841 |
| Return on assets (ROA) | 1.4889% | 867 |
| Pretax return on assets | 1.4889% | 1,617 |
| Return on Equity (ROE) | 12.2251% | 1,185 |
| Retained earnings to average equity (ytd only) | 1.4236% | 4,699 |
| Net charge-offs to loans | 0.0891% | 2,424 |
| Credit loss provision to net charge-offs | 140.8451% | 1,944 |
| Earnings coverage of net charge-offs (x) | 25.3944% | 1,591 |
| Efficiency ratio | 67.2281% | 3,397 |
| Assets per employee ($millions) | 3.2398% | 5,112 |
| Cash dividends to net income (ytd only)* | 88.3552% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5476% | 1,510 |
| Loan loss allowance to noncurrent loans | 1,137.9747% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.1033% | 4,905 |
| Noncurrent loans to loans | 0.1360% | 4,688 |
| Net loans and leases to total assets | 65.9921% | 3,076 |
| Net loans and leases to deposits | 76.6114% | 3,250 |
| Net loans and leases to core deposits | 81.6334% | 3,240 |
| Total domestic deposits to total assets | 86.1388% | 2,515 |
| Equity capital to assets | 11.9175% | 1,868 |
| Core capital (leverage) ratio | 12.1150% | 1,524 |
| Tier 1 risk-based capital ratio | 16.6685% | 2,282 |
| Total risk-based capital ratio | 17.9232% | 2,223 |
| Memoranda: | ||
| Average total assets | $342,601,200 | 1,936 |
| Average earning assets | $313,117,200 | 1,958 |
| Average equity | $41,725,800 | 1,777 |
| Average total loans | $239,038,200 | 1,848 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7021% | 1,058 |
| Cost of funding earning assets | 0.3786% | 3,241 |
| Net interest margin | 4.3235% | 889 |
| Noninterest income to average assets | 0.9290% | 1,317 |
| Noninterest expense to average assets | 3.2459% | 1,692 |
| Loan and lease loss provision to assets | 0.0878% | 2,472 |
| Net operating income to assets | 1.5398% | 812 |
| Return on assets (ROA) | 1.5367% | 860 |
| Pretax return on assets | 1.5367% | 1,587 |
| Return on Equity (ROE) | 12.5492% | 1,159 |
| Retained earnings to average equity (ytd only) | 0.1753% | 5,298 |
| Net charge-offs to loans | 0.0775% | 2,212 |
| Credit loss provision to net charge-offs | 160.7143% | 1,695 |
| Earnings coverage of net charge-offs (x) | 29.7860% | 1,495 |
| Efficiency ratio | 66.6026% | 3,487 |
| Assets per employee ($millions) | 3.2512% | 5,108 |
| Cash dividends to net income (ytd only)* | 98.6030% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4192% | 2,115 |
| Loan loss allowance to noncurrent loans | 1,079.2793% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.1004% | 5,031 |
| Noncurrent loans to loans | 0.1315% | 4,814 |
| Net loans and leases to total assets | 75.2789% | 1,655 |
| Net loans and leases to deposits | 90.7686% | 1,663 |
| Net loans and leases to core deposits | 99.2782% | 1,704 |
| Total domestic deposits to total assets | 82.9350% | 3,628 |
| Equity capital to assets | 12.7764% | 1,605 |
| Core capital (leverage) ratio | 12.2725% | 1,496 |
| Tier 1 risk-based capital ratio | 15.0986% | 2,999 |
| Total risk-based capital ratio | 16.3500% | 2,936 |
| Memoranda: | ||
| Average total assets | $341,587,000 | 1,939 |
| Average earning assets | $311,653,000 | 1,966 |
| Average equity | $41,829,000 | 1,777 |
| Average total loans | $240,707,000 | 1,845 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5799% | 1,307 |
| Cost of funding earning assets | 0.3731% | 3,326 |
| Net interest margin | 4.2068% | 1,098 |
| Noninterest income to average assets | 0.9510% | 1,237 |
| Noninterest expense to average assets | 3.2432% | 1,709 |
| Loan and lease loss provision to assets | 0.0870% | 2,407 |
| Net operating income to assets | 1.4653% | 950 |
| Return on assets (ROA) | 1.4607% | 1,007 |
| Pretax return on assets | 1.4607% | 1,806 |
| Return on Equity (ROE) | 12.0963% | 1,284 |
| Retained earnings to average equity (ytd only) | -1.5030% | 5,493 |
| Net charge-offs to loans | 0.0727% | 2,143 |
| Credit loss provision to net charge-offs | 174.4186% | 1,437 |
| Earnings coverage of net charge-offs (x) | 31.1279% | 1,366 |
| Efficiency ratio | 67.6300% | 3,419 |
| Assets per employee ($millions) | 3.3010% | 5,061 |
| Cash dividends to net income (ytd only)* | 112.4256% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4711% | 1,978 |
| Loan loss allowance to noncurrent loans | 897.7387% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.1200% | 5,031 |
| Noncurrent loans to loans | 0.1639% | 4,786 |
| Net loans and leases to total assets | 70.3823% | 2,421 |
| Net loans and leases to deposits | 82.9077% | 2,600 |
| Net loans and leases to core deposits | 89.5801% | 2,576 |
| Total domestic deposits to total assets | 84.8923% | 2,927 |
| Equity capital to assets | 12.4153% | 1,833 |
| Core capital (leverage) ratio | 11.9379% | 1,674 |
| Tier 1 risk-based capital ratio | 15.7952% | 2,743 |
| Total risk-based capital ratio | 17.0470% | 2,678 |
| Memoranda: | ||
| Average total assets | $344,909,330 | 1,933 |
| Average earning assets | $315,201,330 | 1,961 |
| Average equity | $41,649,000 | 1,782 |
| Average total loans | $236,531,330 | 1,874 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5078% | 1,486 |
| Cost of funding earning assets | 0.3692% | 3,407 |
| Net interest margin | 4.1386% | 1,240 |
| Noninterest income to average assets | 1.0698% | 948 |
| Noninterest expense to average assets | 3.1943% | 1,845 |
| Loan and lease loss provision to assets | 0.0864% | 2,239 |
| Net operating income to assets | 1.5707% | 749 |
| Return on assets (ROA) | 1.5615% | 800 |
| Pretax return on assets | 1.5615% | 1,400 |
| Return on Equity (ROE) | 13.1117% | 1,014 |
| Retained earnings to average equity (ytd only) | -3.3263% | 5,505 |
| Net charge-offs to loans | 0.1817% | 1,069 |
| Credit loss provision to net charge-offs | 70.7547% | 1,900 |
| Earnings coverage of net charge-offs (x) | 13.5755% | 1,728 |
| Efficiency ratio | 65.8438% | 3,828 |
| Assets per employee ($millions) | 3.3303% | 5,079 |
| Cash dividends to net income (ytd only)* | 125.3687% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5148% | 1,916 |
| Loan loss allowance to noncurrent loans | 1,159.3333% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.1207% | 5,098 |
| Noncurrent loans to loans | 0.1307% | 4,949 |
| Net loans and leases to total assets | 65.9194% | 2,966 |
| Net loans and leases to deposits | 77.3213% | 3,073 |
| Net loans and leases to core deposits | 82.8600% | 3,054 |
| Total domestic deposits to total assets | 85.2538% | 3,016 |
| Equity capital to assets | 12.1641% | 1,908 |
| Core capital (leverage) ratio | 11.7097% | 1,818 |
| Tier 1 risk-based capital ratio | 16.1779% | 2,596 |
| Total risk-based capital ratio | 17.4300% | 2,550 |
| Memoranda: | ||
| Average total assets | $347,364,500 | 1,931 |
| Average earning assets | $317,402,000 | 1,949 |
| Average equity | $41,367,500 | 1,788 |
| Average total loans | $233,361,000 | 1,892 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6613% | 1,191 |
| Cost of funding earning assets | 0.3715% | 3,465 |
| Net interest margin | 4.2897% | 978 |
| Noninterest income to average assets | 0.7809% | 1,860 |
| Noninterest expense to average assets | 3.1924% | 1,985 |
| Loan and lease loss provision to assets | 0.0648% | 2,994 |
| Net operating income to assets | 1.4263% | 995 |
| Return on assets (ROA) | 1.4226% | 1,037 |
| Pretax return on assets | 1.4226% | 1,813 |
| Return on Equity (ROE) | 12.2976% | 1,230 |
| Retained earnings to average equity (ytd only) | 3.0190% | 3,905 |
| Net charge-offs to loans | 0.1817% | 1,586 |
| Credit loss provision to net charge-offs | 52.3256% | 3,373 |
| Earnings coverage of net charge-offs (x) | 12.0349% | 2,507 |
| Efficiency ratio | 68.1617% | 3,541 |
| Assets per employee ($millions) | 3.2266% | 5,266 |
| Cash dividends to net income (ytd only)* | 75.4507% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4798% | 2,105 |
| Loan loss allowance to noncurrent loans | 621.0619% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.1928% | 4,824 |
| Noncurrent loans to loans | 0.2383% | 4,573 |
| Net loans and leases to total assets | 66.4238% | 2,922 |
| Net loans and leases to deposits | 77.3734% | 3,118 |
| Net loans and leases to core deposits | 82.6140% | 3,083 |
| Total domestic deposits to total assets | 85.8483% | 2,713 |
| Equity capital to assets | 11.6601% | 2,221 |
| Core capital (leverage) ratio | 11.8709% | 1,708 |
| Tier 1 risk-based capital ratio | 15.8884% | 2,741 |
| Total risk-based capital ratio | 17.1395% | 2,677 |
| Memoranda: | ||
| Average total assets | $347,043,000 | 1,882 |
| Average earning assets | $315,729,800 | 1,917 |
| Average equity | $40,146,000 | 1,794 |
| Average total loans | $236,633,000 | 1,827 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6517% | 1,202 |
| Cost of funding earning assets | 0.3718% | 3,528 |
| Net interest margin | 4.2799% | 999 |
| Noninterest income to average assets | 0.7956% | 1,819 |
| Noninterest expense to average assets | 3.1567% | 2,069 |
| Loan and lease loss provision to assets | 0.0867% | 2,428 |
| Net operating income to assets | 1.4440% | 1,017 |
| Return on assets (ROA) | 1.4363% | 1,081 |
| Pretax return on assets | 1.4363% | 1,881 |
| Return on Equity (ROE) | 12.4414% | 1,255 |
| Retained earnings to average equity (ytd only) | 2.5911% | 4,571 |
| Net charge-offs to loans | 0.2052% | 1,262 |
| Credit loss provision to net charge-offs | 61.8132% | 2,893 |
| Earnings coverage of net charge-offs (x) | 10.9094% | 2,548 |
| Efficiency ratio | 67.3438% | 3,661 |
| Assets per employee ($millions) | 3.3696% | 5,030 |
| Cash dividends to net income (ytd only)* | 79.1734% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4227% | 2,490 |
| Loan loss allowance to noncurrent loans | 789.1832% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.1641% | 5,103 |
| Noncurrent loans to loans | 0.1803% | 4,927 |
| Net loans and leases to total assets | 70.6857% | 2,284 |
| Net loans and leases to deposits | 90.6019% | 1,573 |
| Net loans and leases to core deposits | 97.7372% | 1,723 |
| Total domestic deposits to total assets | 78.0179% | 5,178 |
| Equity capital to assets | 11.6916% | 2,358 |
| Core capital (leverage) ratio | 11.7921% | 1,828 |
| Tier 1 risk-based capital ratio | 14.8924% | 3,349 |
| Total risk-based capital ratio | 16.1431% | 3,298 |
| Memoranda: | ||
| Average total assets | $345,877,750 | 1,904 |
| Average earning assets | $314,514,250 | 1,938 |
| Average equity | $39,930,250 | 1,819 |
| Average total loans | $236,510,250 | 1,831 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5786% | 1,325 |
| Cost of funding earning assets | 0.3655% | 3,642 |
| Net interest margin | 4.2131% | 1,082 |
| Noninterest income to average assets | 0.7841% | 1,849 |
| Noninterest expense to average assets | 3.1903% | 2,007 |
| Loan and lease loss provision to assets | 0.0871% | 2,364 |
| Net operating income to assets | 1.3358% | 1,227 |
| Return on assets (ROA) | 1.3242% | 1,304 |
| Pretax return on assets | 1.3242% | 2,267 |
| Return on Equity (ROE) | 11.5201% | 1,518 |
| Retained earnings to average equity (ytd only) | -0.9853% | 5,689 |
| Net charge-offs to loans | 0.2859% | 920 |
| Credit loss provision to net charge-offs | 45.3172% | 2,757 |
| Earnings coverage of net charge-offs (x) | 7.4018% | 2,677 |
| Efficiency ratio | 69.1552% | 3,464 |
| Assets per employee ($millions) | 3.0378% | 5,552 |
| Cash dividends to net income (ytd only)* | 108.5526% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4642% | 2,435 |
| Loan loss allowance to noncurrent loans | 847.2422% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.1634% | 5,220 |
| Noncurrent loans to loans | 0.1728% | 5,079 |
| Net loans and leases to total assets | 69.8838% | 2,329 |
| Net loans and leases to deposits | 83.3100% | 2,396 |
| Net loans and leases to core deposits | 89.8984% | 2,360 |
| Total domestic deposits to total assets | 83.8841% | 3,621 |
| Equity capital to assets | 11.4070% | 2,492 |
| Core capital (leverage) ratio | 11.7727% | 1,792 |
| Tier 1 risk-based capital ratio | 15.5009% | 3,104 |
| Total risk-based capital ratio | 16.7527% | 3,052 |
| Memoranda: | ||
| Average total assets | $344,357,000 | 1,922 |
| Average earning assets | $312,979,330 | 1,961 |
| Average equity | $39,583,000 | 1,842 |
| Average total loans | $231,585,000 | 1,870 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4942% | 1,482 |
| Cost of funding earning assets | 0.3602% | 3,751 |
| Net interest margin | 4.1340% | 1,198 |
| Noninterest income to average assets | 0.7806% | 1,785 |
| Noninterest expense to average assets | 3.1511% | 2,127 |
| Loan and lease loss provision to assets | 0.0866% | 2,248 |
| Net operating income to assets | 1.2932% | 1,295 |
| Return on assets (ROA) | 1.2701% | 1,440 |
| Pretax return on assets | 1.2701% | 2,388 |
| Return on Equity (ROE) | 11.0084% | 1,633 |
| Retained earnings to average equity (ytd only) | 5.7544% | 2,630 |
| Net charge-offs to loans | 0.1394% | 1,409 |
| Credit loss provision to net charge-offs | 94.9367% | 1,710 |
| Earnings coverage of net charge-offs (x) | 15.1266% | 1,638 |
| Efficiency ratio | 69.5464% | 3,571 |
| Assets per employee ($millions) | 3.2039% | 5,408 |
| Cash dividends to net income (ytd only)* | 47.7273% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6232% | 1,963 |
| Loan loss allowance to noncurrent loans | 1,120.8459% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.1352% | 5,416 |
| Noncurrent loans to loans | 0.1448% | 5,264 |
| Net loans and leases to total assets | 66.2092% | 2,736 |
| Net loans and leases to deposits | 78.0440% | 2,796 |
| Net loans and leases to core deposits | 83.0634% | 2,862 |
| Total domestic deposits to total assets | 84.8357% | 3,485 |
| Equity capital to assets | 12.0090% | 2,020 |
| Core capital (leverage) ratio | 11.6562% | 1,885 |
| Tier 1 risk-based capital ratio | 16.4789% | 2,690 |
| Total risk-based capital ratio | 17.7318% | 2,631 |
| Memoranda: | ||
| Average total assets | $346,421,000 | 1,917 |
| Average earning assets | $314,274,500 | 1,966 |
| Average equity | $39,969,500 | 1,832 |
| Average total loans | $226,728,500 | 1,898 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6647% | 1,384 |
| Cost of funding earning assets | 0.3419% | 4,346 |
| Net interest margin | 4.3228% | 1,017 |
| Noninterest income to average assets | 0.7249% | 2,193 |
| Noninterest expense to average assets | 3.1470% | 2,370 |
| Loan and lease loss provision to assets | 0.0867% | 2,738 |
| Net operating income to assets | 1.4050% | 1,077 |
| Return on assets (ROA) | 1.4073% | 1,100 |
| Pretax return on assets | 1.4073% | 1,861 |
| Return on Equity (ROE) | 13.6616% | 1,001 |
| Retained earnings to average equity (ytd only) | 5.6874% | 2,140 |
| Net charge-offs to loans | 0.1342% | 2,676 |
| Credit loss provision to net charge-offs | 100.3344% | 2,379 |
| Earnings coverage of net charge-offs (x) | 17.2609% | 1,937 |
| Efficiency ratio | 67.8422% | 3,924 |
| Assets per employee ($millions) | 3.2406% | 5,367 |
| Cash dividends to net income (ytd only)* | 58.3693% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6515% | 1,923 |
| Loan loss allowance to noncurrent loans | 987.7660% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.1390% | 5,478 |
| Noncurrent loans to loans | 0.1672% | 5,232 |
| Net loans and leases to total assets | 62.6160% | 3,422 |
| Net loans and leases to deposits | 72.8936% | 3,567 |
| Net loans and leases to core deposits | 77.1701% | 3,596 |
| Total domestic deposits to total assets | 85.9006% | 2,897 |
| Equity capital to assets | 11.0849% | 2,822 |
| Core capital (leverage) ratio | 11.2876% | 2,148 |
| Tier 1 risk-based capital ratio | 16.1321% | 2,901 |
| Total risk-based capital ratio | 17.3852% | 2,840 |
| Memoranda: | ||
| Average total assets | $345,982,600 | 1,881 |
| Average earning assets | $313,247,000 | 1,915 |
| Average equity | $35,640,000 | 1,962 |
| Average total loans | $222,748,400 | 1,883 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6440% | 1,450 |
| Cost of funding earning assets | 0.3318% | 4,544 |
| Net interest margin | 4.3122% | 1,026 |
| Noninterest income to average assets | 0.7175% | 2,245 |
| Noninterest expense to average assets | 3.1321% | 2,375 |
| Loan and lease loss provision to assets | 0.0872% | 2,609 |
| Net operating income to assets | 1.4047% | 1,122 |
| Return on assets (ROA) | 1.4059% | 1,164 |
| Pretax return on assets | 1.4059% | 1,985 |
| Return on Equity (ROE) | 13.9194% | 999 |
| Retained earnings to average equity (ytd only) | 3.9046% | 3,874 |
| Net charge-offs to loans | 0.1392% | 2,403 |
| Credit loss provision to net charge-offs | 96.9828% | 2,304 |
| Earnings coverage of net charge-offs (x) | 16.5989% | 1,958 |
| Efficiency ratio | 67.7363% | 3,905 |
| Assets per employee ($millions) | 3.3263% | 5,200 |
| Cash dividends to net income (ytd only)* | 71.9482% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5479% | 2,508 |
| Loan loss allowance to noncurrent loans | 1,172.7848% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 5,811 |
| Noncurrent loans to loans | 0.1320% | 5,527 |
| Net loans and leases to total assets | 65.6131% | 2,936 |
| Net loans and leases to deposits | 85.1046% | 2,019 |
| Net loans and leases to core deposits | 93.0347% | 1,951 |
| Total domestic deposits to total assets | 77.0970% | 5,661 |
| Equity capital to assets | 10.2669% | 3,833 |
| Core capital (leverage) ratio | 11.0859% | 2,408 |
| Tier 1 risk-based capital ratio | 14.9420% | 3,623 |
| Total risk-based capital ratio | 16.1942% | 3,549 |
| Memoranda: | ||
| Average total assets | $344,171,000 | 1,898 |
| Average earning assets | $311,792,500 | 1,935 |
| Average equity | $34,761,250 | 2,017 |
| Average total loans | $222,212,500 | 1,896 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5950% | 1,543 |
| Cost of funding earning assets | 0.3198% | 4,761 |
| Net interest margin | 4.2752% | 1,078 |
| Noninterest income to average assets | 0.7159% | 2,203 |
| Noninterest expense to average assets | 3.1768% | 2,259 |
| Loan and lease loss provision to assets | 0.0885% | 2,553 |
| Net operating income to assets | 1.3215% | 1,247 |
| Return on assets (ROA) | 1.3263% | 1,288 |
| Pretax return on assets | 1.3263% | 2,169 |
| Return on Equity (ROE) | 13.2084% | 1,122 |
| Retained earnings to average equity (ytd only) | 1.1981% | 5,273 |
| Net charge-offs to loans | 0.1303% | 2,362 |
| Credit loss provision to net charge-offs | 106.3830% | 1,877 |
| Earnings coverage of net charge-offs (x) | 16.9574% | 1,761 |
| Efficiency ratio | 69.2594% | 3,786 |
| Assets per employee ($millions) | 3.0367% | 5,705 |
| Cash dividends to net income (ytd only)* | 90.9293% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6448% | 2,307 |
| Loan loss allowance to noncurrent loans | 1,003.2345% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.1206% | 5,795 |
| Noncurrent loans to loans | 0.1639% | 5,518 |
| Net loans and leases to total assets | 64.8614% | 2,932 |
| Net loans and leases to deposits | 79.0882% | 2,645 |
| Net loans and leases to core deposits | 84.4203% | 2,695 |
| Total domestic deposits to total assets | 82.0115% | 4,643 |
| Equity capital to assets | 10.4352% | 3,521 |
| Core capital (leverage) ratio | 11.4754% | 2,026 |
| Tier 1 risk-based capital ratio | 15.3879% | 3,419 |
| Total risk-based capital ratio | 16.6412% | 3,358 |
| Memoranda: | ||
| Average total assets | $339,147,670 | 1,923 |
| Average earning assets | $307,071,330 | 1,966 |
| Average equity | $34,054,000 | 2,039 |
| Average total loans | $216,478,330 | 1,928 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5510% | 1,638 |
| Cost of funding earning assets | 0.3112% | 4,955 |
| Net interest margin | 4.2398% | 1,119 |
| Noninterest income to average assets | 0.7391% | 1,995 |
| Noninterest expense to average assets | 3.1737% | 2,313 |
| Loan and lease loss provision to assets | 0.0890% | 2,431 |
| Net operating income to assets | 1.3074% | 1,193 |
| Return on assets (ROA) | 1.3074% | 1,239 |
| Pretax return on assets | 1.3074% | 2,067 |
| Return on Equity (ROE) | 13.2863% | 1,088 |
| Retained earnings to average equity (ytd only) | 7.2580% | 1,920 |
| Net charge-offs to loans | 0.0227% | 3,120 |
| Credit loss provision to net charge-offs | 625.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 98.0833% | 466 |
| Efficiency ratio | 69.4444% | 3,926 |
| Assets per employee ($millions) | 3.1919% | 5,540 |
| Cash dividends to net income (ytd only)* | 45.3721% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7993% | 2,043 |
| Loan loss allowance to noncurrent loans | 584.5201% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.2573% | 5,411 |
| Noncurrent loans to loans | 0.3078% | 5,186 |
| Net loans and leases to total assets | 62.6834% | 3,127 |
| Net loans and leases to deposits | 70.9137% | 3,485 |
| Net loans and leases to core deposits | 74.3484% | 3,611 |
| Total domestic deposits to total assets | 88.3938% | 1,998 |
| Equity capital to assets | 10.5142% | 3,235 |
| Core capital (leverage) ratio | 11.4477% | 2,009 |
| Tier 1 risk-based capital ratio | 16.4434% | 2,926 |
| Total risk-based capital ratio | 17.6979% | 2,892 |
| Memoranda: | ||
| Average total assets | $337,148,000 | 1,943 |
| Average earning assets | $304,636,500 | 1,984 |
| Average equity | $33,177,000 | 2,076 |
| Average total loans | $211,571,500 | 1,965 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6650% | 1,671 |
| Cost of funding earning assets | 0.3407% | 5,236 |
| Net interest margin | 4.3243% | 1,048 |
| Noninterest income to average assets | 0.8183% | 1,992 |
| Noninterest expense to average assets | 3.1198% | 2,676 |
| Loan and lease loss provision to assets | 0.1034% | 3,069 |
| Net operating income to assets | 1.0857% | 1,979 |
| Return on assets (ROA) | 1.0888% | 2,041 |
| Pretax return on assets | 1.4977% | 1,455 |
| Return on Equity (ROE) | 11.0541% | 1,749 |
| Retained earnings to average equity (ytd only) | 5.8044% | 2,096 |
| Net charge-offs to loans | 0.0896% | 3,952 |
| Credit loss provision to net charge-offs | 179.4872% | 1,277 |
| Earnings coverage of net charge-offs (x) | 27.7333% | 1,264 |
| Efficiency ratio | 66.1429% | 4,533 |
| Assets per employee ($millions) | 3.2293% | 5,429 |
| Cash dividends to net income (ytd only)* | 47.4912% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7409% | 2,264 |
| Loan loss allowance to noncurrent loans | 733.7945% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.2090% | 5,667 |
| Noncurrent loans to loans | 0.2372% | 5,471 |
| Net loans and leases to total assets | 60.6524% | 3,600 |
| Net loans and leases to deposits | 67.5556% | 4,117 |
| Net loans and leases to core deposits | 70.5486% | 4,236 |
| Total domestic deposits to total assets | 89.7815% | 1,192 |
| Equity capital to assets | 9.1995% | 4,805 |
| Core capital (leverage) ratio | 11.3319% | 2,086 |
| Tier 1 risk-based capital ratio | 15.9522% | 3,115 |
| Total risk-based capital ratio | 17.2063% | 3,074 |
| Memoranda: | ||
| Average total assets | $338,642,200 | 1,899 |
| Average earning assets | $305,295,600 | 1,942 |
| Average equity | $33,354,200 | 2,065 |
| Average total loans | $217,652,000 | 1,879 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6608% | 1,719 |
| Cost of funding earning assets | 0.3474% | 5,318 |
| Net interest margin | 4.3134% | 1,066 |
| Noninterest income to average assets | 0.7713% | 2,274 |
| Noninterest expense to average assets | 3.1306% | 2,565 |
| Loan and lease loss provision to assets | 0.1385% | 2,562 |
| Net operating income to assets | 0.8477% | 3,112 |
| Return on assets (ROA) | 0.8512% | 3,204 |
| Pretax return on assets | 1.3993% | 1,927 |
| Return on Equity (ROE) | 8.4986% | 2,881 |
| Retained earnings to average equity (ytd only) | 3.5203% | 4,186 |
| Net charge-offs to loans | 0.0323% | 4,487 |
| Credit loss provision to net charge-offs | 660.3774% | 439 |
| Earnings coverage of net charge-offs (x) | 73.0617% | 645 |
| Efficiency ratio | 67.1391% | 4,272 |
| Assets per employee ($millions) | 3.2208% | 5,453 |
| Cash dividends to net income (ytd only)* | 58.5774% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6879% | 2,660 |
| Loan loss allowance to noncurrent loans | 426.4381% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.2947% | 5,547 |
| Noncurrent loans to loans | 0.3958% | 5,206 |
| Net loans and leases to total assets | 67.0344% | 2,451 |
| Net loans and leases to deposits | 86.7037% | 1,526 |
| Net loans and leases to core deposits | 90.6303% | 1,911 |
| Total domestic deposits to total assets | 77.3143% | 6,001 |
| Equity capital to assets | 9.5577% | 4,479 |
| Core capital (leverage) ratio | 10.9462% | 2,532 |
| Tier 1 risk-based capital ratio | 14.9365% | 3,794 |
| Total risk-based capital ratio | 16.1902% | 3,739 |
| Memoranda: | ||
| Average total assets | $336,920,000 | 1,919 |
| Average earning assets | $303,972,750 | 1,961 |
| Average equity | $33,746,000 | 2,058 |
| Average total loans | $218,743,500 | 1,870 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7239% | 1,505 |
| Cost of funding earning assets | 0.3460% | 5,446 |
| Net interest margin | 4.3779% | 887 |
| Noninterest income to average assets | 0.6256% | 3,043 |
| Noninterest expense to average assets | 3.1247% | 2,594 |
| Loan and lease loss provision to assets | 0.1629% | 2,291 |
| Net operating income to assets | 0.4680% | 4,932 |
| Return on assets (ROA) | 0.4680% | 5,112 |
| Pretax return on assets | 1.2886% | 2,345 |
| Return on Equity (ROE) | 4.6033% | 4,951 |
| Retained earnings to average equity (ytd only) | -2.4473% | 6,241 |
| Net charge-offs to loans | 0.0380% | 4,147 |
| Credit loss provision to net charge-offs | 670.7317% | 439 |
| Earnings coverage of net charge-offs (x) | 59.7561% | 704 |
| Efficiency ratio | 68.2807% | 4,129 |
| Assets per employee ($millions) | 2.8953% | 6,031 |
| Cash dividends to net income (ytd only)* | 153.1646% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7094% | 2,746 |
| Loan loss allowance to noncurrent loans | 651.5464% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.1836% | 5,943 |
| Noncurrent loans to loans | 0.2624% | 5,655 |
| Net loans and leases to total assets | 64.3661% | 2,857 |
| Net loans and leases to deposits | 78.4550% | 2,517 |
| Net loans and leases to core deposits | 81.4477% | 2,864 |
| Total domestic deposits to total assets | 82.0421% | 5,046 |
| Equity capital to assets | 9.3189% | 4,833 |
| Core capital (leverage) ratio | 10.5414% | 2,828 |
| Tier 1 risk-based capital ratio | 14.7017% | 3,970 |
| Total risk-based capital ratio | 15.9556% | 3,929 |
| Memoranda: | ||
| Average total assets | $337,572,000 | 1,923 |
| Average earning assets | $304,618,670 | 1,960 |
| Average equity | $34,323,000 | 2,027 |
| Average total loans | $215,526,000 | 1,899 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6746% | 1,607 |
| Cost of funding earning assets | 0.3539% | 5,493 |
| Net interest margin | 4.3207% | 929 |
| Noninterest income to average assets | 0.6220% | 3,019 |
| Noninterest expense to average assets | 3.0732% | 2,759 |
| Loan and lease loss provision to assets | 0.2374% | 1,533 |
| Net operating income to assets | -0.4344% | 6,651 |
| Return on assets (ROA) | -0.4344% | 6,681 |
| Pretax return on assets | 1.2096% | 2,535 |
| Return on Equity (ROE) | -4.1008% | 6,656 |
| Retained earnings to average equity (ytd only) | -10.3752% | 6,631 |
| Net charge-offs to loans | 0.0283% | 3,634 |
| Credit loss provision to net charge-offs | 1,333.3333% | 242 |
| Earnings coverage of net charge-offs (x) | 81.2667% | 457 |
| Efficiency ratio | 67.9884% | 4,309 |
| Assets per employee ($millions) | 2.9657% | 6,049 |
| Cash dividends to net income (ytd only)* | -153.0055% | 6,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8014% | 2,615 |
| Loan loss allowance to noncurrent loans | 540.8960% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 5,610 |
| Noncurrent loans to loans | 0.3330% | 5,570 |
| Net loans and leases to total assets | 61.4293% | 3,186 |
| Net loans and leases to deposits | 69.7520% | 3,526 |
| Net loans and leases to core deposits | 72.3731% | 3,774 |
| Total domestic deposits to total assets | 88.0682% | 2,267 |
| Equity capital to assets | 10.5776% | 3,454 |
| Core capital (leverage) ratio | 10.3979% | 2,907 |
| Tier 1 risk-based capital ratio | 15.2106% | 3,702 |
| Total risk-based capital ratio | 16.4654% | 3,646 |
| Memoranda: | ||
| Average total assets | $336,981,500 | 1,948 |
| Average earning assets | $304,024,500 | 1,981 |
| Average equity | $35,700,500 | 1,975 |
| Average total loans | $212,372,000 | 1,926 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9366% | 1,726 |
| Cost of funding earning assets | 0.4858% | 5,315 |
| Net interest margin | 4.4508% | 1,045 |
| Noninterest income to average assets | 0.7373% | 2,555 |
| Noninterest expense to average assets | 3.1595% | 2,735 |
| Loan and lease loss provision to assets | 0.2443% | 2,701 |
| Net operating income to assets | 0.9360% | 2,620 |
| Return on assets (ROA) | 0.9360% | 2,866 |
| Pretax return on assets | 1.3239% | 2,307 |
| Return on Equity (ROE) | 8.7338% | 2,773 |
| Retained earnings to average equity (ytd only) | 2.5723% | 4,414 |
| Net charge-offs to loans | 0.2047% | 3,745 |
| Credit loss provision to net charge-offs | 183.3333% | 1,434 |
| Earnings coverage of net charge-offs (x) | 11.7689% | 1,999 |
| Efficiency ratio | 66.8295% | 4,356 |
| Assets per employee ($millions) | 3.1074% | 5,828 |
| Cash dividends to net income (ytd only)* | 70.5473% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6399% | 3,148 |
| Loan loss allowance to noncurrent loans | 670.0565% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.2139% | 6,027 |
| Noncurrent loans to loans | 0.2447% | 5,868 |
| Net loans and leases to total assets | 62.4334% | 3,182 |
| Net loans and leases to deposits | 70.4035% | 3,652 |
| Net loans and leases to core deposits | 73.0835% | 3,914 |
| Total domestic deposits to total assets | 88.6794% | 1,783 |
| Equity capital to assets | 10.6103% | 3,387 |
| Core capital (leverage) ratio | 10.8544% | 2,384 |
| Tier 1 risk-based capital ratio | 15.6725% | 3,335 |
| Total risk-based capital ratio | 16.9260% | 3,286 |
| Memoranda: | ||
| Average total assets | $337,715,200 | 1,917 |
| Average earning assets | $302,779,000 | 1,957 |
| Average equity | $36,192,600 | 1,913 |
| Average total loans | $219,828,000 | 1,838 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9839% | 1,730 |
| Cost of funding earning assets | 0.5109% | 5,367 |
| Net interest margin | 4.4730% | 1,040 |
| Noninterest income to average assets | 0.7540% | 2,459 |
| Noninterest expense to average assets | 2.9641% | 3,360 |
| Loan and lease loss provision to assets | 0.3267% | 2,009 |
| Net operating income to assets | 1.0276% | 2,372 |
| Return on assets (ROA) | 1.0276% | 2,596 |
| Pretax return on assets | 1.4707% | 1,998 |
| Return on Equity (ROE) | 9.5646% | 2,561 |
| Retained earnings to average equity (ytd only) | 2.2668% | 5,203 |
| Net charge-offs to loans | 0.2745% | 3,077 |
| Credit loss provision to net charge-offs | 181.7181% | 1,532 |
| Earnings coverage of net charge-offs (x) | 9.9978% | 2,241 |
| Efficiency ratio | 62.2505% | 5,116 |
| Assets per employee ($millions) | 2.9609% | 6,111 |
| Cash dividends to net income (ytd only)* | 76.3005% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5521% | 3,725 |
| Loan loss allowance to noncurrent loans | 942.7056% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.1971% | 6,220 |
| Noncurrent loans to loans | 0.1646% | 6,201 |
| Net loans and leases to total assets | 69.8496% | 1,936 |
| Net loans and leases to deposits | 85.6622% | 1,640 |
| Net loans and leases to core deposits | 91.1518% | 1,860 |
| Total domestic deposits to total assets | 81.5408% | 5,177 |
| Equity capital to assets | 11.1892% | 3,050 |
| Core capital (leverage) ratio | 10.8231% | 2,569 |
| Tier 1 risk-based capital ratio | 15.1919% | 3,713 |
| Total risk-based capital ratio | 16.4454% | 3,657 |
| Memoranda: | ||
| Average total assets | $336,691,750 | 1,937 |
| Average earning assets | $301,657,250 | 1,975 |
| Average equity | $36,174,000 | 1,935 |
| Average total loans | $220,544,750 | 1,848 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8528% | 2,292 |
| Cost of funding earning assets | 0.5124% | 5,535 |
| Net interest margin | 4.3404% | 1,366 |
| Noninterest income to average assets | 0.7500% | 2,414 |
| Noninterest expense to average assets | 2.9741% | 3,354 |
| Loan and lease loss provision to assets | 0.2637% | 2,469 |
| Net operating income to assets | 1.0254% | 2,358 |
| Return on assets (ROA) | 1.0254% | 2,580 |
| Pretax return on assets | 1.4033% | 2,185 |
| Return on Equity (ROE) | 9.6699% | 2,502 |
| Retained earnings to average equity (ytd only) | 7.7359% | 1,751 |
| Net charge-offs to loans | 0.4216% | 2,348 |
| Credit loss provision to net charge-offs | 98.0392% | 2,828 |
| Earnings coverage of net charge-offs (x) | 6.1983% | 2,680 |
| Efficiency ratio | 64.0828% | 4,890 |
| Assets per employee ($millions) | 2.7857% | 6,427 |
| Cash dividends to net income (ytd only)* | 20.0000% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4163% | 4,397 |
| Loan loss allowance to noncurrent loans | 456.0345% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.2714% | 6,099 |
| Noncurrent loans to loans | 0.3106% | 5,933 |
| Net loans and leases to total assets | 67.2125% | 2,422 |
| Net loans and leases to deposits | 80.5941% | 2,299 |
| Net loans and leases to core deposits | 85.5459% | 2,488 |
| Total domestic deposits to total assets | 83.3964% | 4,575 |
| Equity capital to assets | 11.2141% | 2,878 |
| Core capital (leverage) ratio | 11.0671% | 2,236 |
| Tier 1 risk-based capital ratio | 15.7972% | 3,276 |
| Total risk-based capital ratio | 17.0487% | 3,246 |
| Memoranda: | ||
| Average total assets | $341,342,670 | 1,911 |
| Average earning assets | $306,006,330 | 1,947 |
| Average equity | $36,194,670 | 1,924 |
| Average total loans | $217,731,000 | 1,874 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7591% | 2,812 |
| Cost of funding earning assets | 0.5166% | 5,708 |
| Net interest margin | 4.2424% | 1,630 |
| Noninterest income to average assets | 0.8353% | 2,013 |
| Noninterest expense to average assets | 2.8281% | 3,909 |
| Loan and lease loss provision to assets | 0.1726% | 3,240 |
| Net operating income to assets | 1.1011% | 2,079 |
| Return on assets (ROA) | 1.1011% | 2,266 |
| Pretax return on assets | 1.6326% | 1,476 |
| Return on Equity (ROE) | 10.6745% | 2,158 |
| Retained earnings to average equity (ytd only) | 8.4437% | 1,803 |
| Net charge-offs to loans | 0.5015% | 1,832 |
| Credit loss provision to net charge-offs | 55.7621% | 3,187 |
| Earnings coverage of net charge-offs (x) | 5.8327% | 2,296 |
| Efficiency ratio | 61.0380% | 5,451 |
| Assets per employee ($millions) | 3.1214% | 5,917 |
| Cash dividends to net income (ytd only)* | 20.8986% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4430% | 4,406 |
| Loan loss allowance to noncurrent loans | 510.6667% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.3278% | 6,061 |
| Noncurrent loans to loans | 0.2826% | 6,114 |
| Net loans and leases to total assets | 62.6578% | 3,131 |
| Net loans and leases to deposits | 71.8698% | 3,449 |
| Net loans and leases to core deposits | 76.0012% | 3,622 |
| Total domestic deposits to total assets | 87.1824% | 2,841 |
| Equity capital to assets | 10.8337% | 3,101 |
| Core capital (leverage) ratio | 10.1446% | 3,182 |
| Tier 1 risk-based capital ratio | 16.1489% | 3,097 |
| Total risk-based capital ratio | 17.4008% | 3,061 |
| Memoranda: | ||
| Average total assets | $347,658,500 | 1,898 |
| Average earning assets | $311,238,000 | 1,922 |
| Average equity | $35,861,000 | 1,938 |
| Average total loans | $214,542,000 | 1,907 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0084% | 2,848 |
| Cost of funding earning assets | 0.6243% | 5,964 |
| Net interest margin | 4.3841% | 1,435 |
| Noninterest income to average assets | 0.6973% | 2,616 |
| Noninterest expense to average assets | 3.0068% | 3,562 |
| Loan and lease loss provision to assets | 0.2776% | 3,448 |
| Net operating income to assets | 0.9455% | 2,432 |
| Return on assets (ROA) | 0.9455% | 2,552 |
| Pretax return on assets | 1.3548% | 1,932 |
| Return on Equity (ROE) | 9.0988% | 2,403 |
| Retained earnings to average equity (ytd only) | 3.3138% | 3,867 |
| Net charge-offs to loans | 0.2787% | 4,030 |
| Credit loss provision to net charge-offs | 154.0362% | 1,823 |
| Earnings coverage of net charge-offs (x) | 9.0593% | 2,040 |
| Efficiency ratio | 64.8132% | 4,982 |
| Assets per employee ($millions) | 3.2261% | 5,661 |
| Cash dividends to net income (ytd only)* | 63.5793% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4685% | 4,153 |
| Loan loss allowance to noncurrent loans | 131.5289% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.7675% | 5,103 |
| Noncurrent loans to loans | 1.1165% | 4,484 |
| Net loans and leases to total assets | 59.1060% | 4,177 |
| Net loans and leases to deposits | 66.8615% | 4,611 |
| Net loans and leases to core deposits | 70.5429% | 4,717 |
| Total domestic deposits to total assets | 88.4007% | 1,907 |
| Equity capital to assets | 9.8355% | 4,392 |
| Core capital (leverage) ratio | 10.1723% | 3,131 |
| Tier 1 risk-based capital ratio | 15.5819% | 3,276 |
| Total risk-based capital ratio | 16.8342% | 3,229 |
| Memoranda: | ||
| Average total assets | $336,873,400 | 1,919 |
| Average earning assets | $302,891,600 | 1,938 |
| Average equity | $35,004,800 | 1,921 |
| Average total loans | $217,781,400 | 1,887 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0252% | 2,971 |
| Cost of funding earning assets | 0.6604% | 5,981 |
| Net interest margin | 4.3648% | 1,510 |
| Noninterest income to average assets | 0.7046% | 2,578 |
| Noninterest expense to average assets | 2.8713% | 4,053 |
| Loan and lease loss provision to assets | 0.3084% | 3,059 |
| Net operating income to assets | 0.9997% | 2,324 |
| Return on assets (ROA) | 0.9997% | 2,472 |
| Pretax return on assets | 1.4624% | 1,754 |
| Return on Equity (ROE) | 9.4822% | 2,399 |
| Retained earnings to average equity (ytd only) | 4.6073% | 3,441 |
| Net charge-offs to loans | 0.3021% | 3,580 |
| Credit loss provision to net charge-offs | 154.8583% | 2,005 |
| Earnings coverage of net charge-offs (x) | 8.8927% | 2,115 |
| Efficiency ratio | 61.8531% | 5,431 |
| Assets per employee ($millions) | 2.9872% | 6,152 |
| Cash dividends to net income (ytd only)* | 51.4114% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3359% | 4,840 |
| Loan loss allowance to noncurrent loans | 128.4306% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 1.0393% | 4,680 |
| Noncurrent loans to loans | 1.0402% | 4,818 |
| Net loans and leases to total assets | 71.5635% | 1,806 |
| Net loans and leases to deposits | 86.4217% | 1,630 |
| Net loans and leases to core deposits | 90.3344% | 2,209 |
| Total domestic deposits to total assets | 82.8073% | 4,755 |
| Equity capital to assets | 11.0389% | 3,103 |
| Core capital (leverage) ratio | 10.8437% | 2,523 |
| Tier 1 risk-based capital ratio | 15.3498% | 3,460 |
| Total risk-based capital ratio | 16.6014% | 3,427 |
| Memoranda: | ||
| Average total assets | $330,761,250 | 1,963 |
| Average earning assets | $298,381,500 | 1,968 |
| Average equity | $34,871,500 | 1,933 |
| Average total loans | $218,040,250 | 1,896 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8684% | 3,760 |
| Cost of funding earning assets | 0.6954% | 5,993 |
| Net interest margin | 4.1730% | 2,149 |
| Noninterest income to average assets | 0.6927% | 2,597 |
| Noninterest expense to average assets | 2.8614% | 4,181 |
| Loan and lease loss provision to assets | 0.3059% | 2,966 |
| Net operating income to assets | 0.8654% | 2,797 |
| Return on assets (ROA) | 0.8654% | 2,885 |
| Pretax return on assets | 1.3008% | 2,137 |
| Return on Equity (ROE) | 8.3352% | 2,791 |
| Retained earnings to average equity (ytd only) | 4.2918% | 3,468 |
| Net charge-offs to loans | 0.4447% | 2,793 |
| Credit loss provision to net charge-offs | 107.8224% | 2,853 |
| Earnings coverage of net charge-offs (x) | 5.6638% | 2,561 |
| Efficiency ratio | 64.0403% | 5,232 |
| Assets per employee ($millions) | 2.9655% | 6,153 |
| Cash dividends to net income (ytd only)* | 48.5100% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 5,011 |
| Loan loss allowance to noncurrent loans | 105.8178% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 1.0809% | 4,721 |
| Noncurrent loans to loans | 1.2392% | 4,587 |
| Net loans and leases to total assets | 66.7236% | 2,881 |
| Net loans and leases to deposits | 77.8133% | 3,152 |
| Net loans and leases to core deposits | 81.8715% | 3,517 |
| Total domestic deposits to total assets | 85.7483% | 3,471 |
| Equity capital to assets | 10.7331% | 3,250 |
| Core capital (leverage) ratio | 10.4243% | 2,796 |
| Tier 1 risk-based capital ratio | 15.9342% | 3,010 |
| Total risk-based capital ratio | 17.1850% | 2,980 |
| Memoranda: | ||
| Average total assets | $333,477,330 | 1,956 |
| Average earning assets | $301,701,670 | 1,965 |
| Average equity | $34,624,330 | 1,922 |
| Average total loans | $212,720,670 | 1,972 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7254% | 4,392 |
| Cost of funding earning assets | 0.7321% | 5,964 |
| Net interest margin | 3.9932% | 2,713 |
| Noninterest income to average assets | 0.7404% | 2,313 |
| Noninterest expense to average assets | 2.8121% | 4,393 |
| Loan and lease loss provision to assets | 0.3026% | 2,742 |
| Net operating income to assets | 0.8365% | 2,846 |
| Return on assets (ROA) | 0.8365% | 2,906 |
| Pretax return on assets | 1.2435% | 2,220 |
| Return on Equity (ROE) | 8.1904% | 2,837 |
| Retained earnings to average equity (ytd only) | 6.4478% | 2,395 |
| Net charge-offs to loans | 0.2260% | 3,184 |
| Credit loss provision to net charge-offs | 216.1017% | 1,393 |
| Earnings coverage of net charge-offs (x) | 11.0424% | 1,584 |
| Efficiency ratio | 64.5249% | 5,271 |
| Assets per employee ($millions) | 3.0560% | 6,034 |
| Cash dividends to net income (ytd only)* | 21.2766% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4367% | 4,497 |
| Loan loss allowance to noncurrent loans | 108.2881% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 1.0540% | 4,818 |
| Noncurrent loans to loans | 1.3267% | 4,481 |
| Net loans and leases to total assets | 61.0614% | 4,064 |
| Net loans and leases to deposits | 69.4116% | 4,446 |
| Net loans and leases to core deposits | 72.6542% | 4,700 |
| Total domestic deposits to total assets | 87.9700% | 2,387 |
| Equity capital to assets | 10.3183% | 3,392 |
| Core capital (leverage) ratio | 10.2093% | 2,918 |
| Tier 1 risk-based capital ratio | 16.5755% | 2,631 |
| Total risk-based capital ratio | 17.8279% | 2,606 |
| Memoranda: | ||
| Average total assets | $337,112,500 | 1,947 |
| Average earning assets | $305,416,000 | 1,950 |
| Average equity | $34,430,500 | 1,922 |
| Average total loans | $208,806,500 | 2,024 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3490% | 2,901 |
| Cost of funding earning assets | 0.9747% | 5,818 |
| Net interest margin | 4.3743% | 1,575 |
| Noninterest income to average assets | 0.7540% | 2,520 |
| Noninterest expense to average assets | 3.0654% | 3,605 |
| Loan and lease loss provision to assets | 0.2770% | 4,594 |
| Net operating income to assets | 0.9249% | 2,300 |
| Return on assets (ROA) | 0.9249% | 2,423 |
| Pretax return on assets | 1.3508% | 1,795 |
| Return on Equity (ROE) | 8.8659% | 2,357 |
| Retained earnings to average equity (ytd only) | -1.9030% | 5,956 |
| Net charge-offs to loans | 0.3221% | 4,404 |
| Credit loss provision to net charge-offs | 129.8701% | 3,070 |
| Earnings coverage of net charge-offs (x) | 7.6320% | 2,097 |
| Efficiency ratio | 65.3158% | 5,107 |
| Assets per employee ($millions) | 3.0456% | 6,006 |
| Cash dividends to net income (ytd only)* | 121.4642% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3637% | 4,682 |
| Loan loss allowance to noncurrent loans | 126.1600% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.9120% | 5,194 |
| Noncurrent loans to loans | 1.0809% | 4,929 |
| Net loans and leases to total assets | 61.0835% | 4,472 |
| Net loans and leases to deposits | 69.2103% | 4,924 |
| Net loans and leases to core deposits | 73.0996% | 5,085 |
| Total domestic deposits to total assets | 88.2579% | 2,089 |
| Equity capital to assets | 10.1090% | 3,606 |
| Core capital (leverage) ratio | 10.2383% | 2,829 |
| Tier 1 risk-based capital ratio | 16.2581% | 2,632 |
| Total risk-based capital ratio | 17.5095% | 2,588 |
| Memoranda: | ||
| Average total assets | $324,915,400 | 1,999 |
| Average earning assets | $292,595,400 | 2,028 |
| Average equity | $33,894,000 | 1,949 |
| Average total loans | $215,154,000 | 2,013 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3972% | 2,900 |
| Cost of funding earning assets | 1.0296% | 5,801 |
| Net interest margin | 4.3677% | 1,622 |
| Noninterest income to average assets | 0.7773% | 2,339 |
| Noninterest expense to average assets | 2.8952% | 4,109 |
| Loan and lease loss provision to assets | 0.3379% | 3,903 |
| Net operating income to assets | 0.9792% | 2,302 |
| Return on assets (ROA) | 0.9792% | 2,421 |
| Pretax return on assets | 1.4712% | 1,685 |
| Return on Equity (ROE) | 9.3108% | 2,386 |
| Retained earnings to average equity (ytd only) | -3.1062% | 6,366 |
| Net charge-offs to loans | 0.2795% | 4,270 |
| Credit loss provision to net charge-offs | 179.5154% | 2,046 |
| Earnings coverage of net charge-offs (x) | 9.6123% | 2,000 |
| Efficiency ratio | 61.5439% | 5,692 |
| Assets per employee ($millions) | 2.8304% | 6,531 |
| Cash dividends to net income (ytd only)* | 133.3619% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3171% | 4,865 |
| Loan loss allowance to noncurrent loans | 119.8327% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.9627% | 5,164 |
| Noncurrent loans to loans | 1.0991% | 5,045 |
| Net loans and leases to total assets | 73.0770% | 2,005 |
| Net loans and leases to deposits | 85.9880% | 2,346 |
| Net loans and leases to core deposits | 90.8740% | 2,975 |
| Total domestic deposits to total assets | 84.9851% | 3,623 |
| Equity capital to assets | 11.1123% | 2,842 |
| Core capital (leverage) ratio | 10.7421% | 2,475 |
| Tier 1 risk-based capital ratio | 15.0009% | 3,253 |
| Total risk-based capital ratio | 16.2521% | 3,237 |
| Memoranda: | ||
| Average total assets | $321,628,000 | 2,053 |
| Average earning assets | $289,177,500 | 2,083 |
| Average equity | $33,823,750 | 1,976 |
| Average total loans | $216,603,250 | 2,026 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2099% | 3,902 |
| Cost of funding earning assets | 1.0633% | 5,858 |
| Net interest margin | 4.1465% | 2,347 |
| Noninterest income to average assets | 0.8043% | 2,093 |
| Noninterest expense to average assets | 2.8313% | 4,354 |
| Loan and lease loss provision to assets | 0.1288% | 5,592 |
| Net operating income to assets | 1.0344% | 2,067 |
| Return on assets (ROA) | 1.0344% | 2,144 |
| Pretax return on assets | 1.5834% | 1,347 |
| Return on Equity (ROE) | 10.0147% | 2,101 |
| Retained earnings to average equity (ytd only) | -8.6960% | 6,850 |
| Net charge-offs to loans | 0.2577% | 4,060 |
| Credit loss provision to net charge-offs | 76.6423% | 4,802 |
| Earnings coverage of net charge-offs (x) | 10.1861% | 1,925 |
| Efficiency ratio | 62.3143% | 5,639 |
| Assets per employee ($millions) | 2.7836% | 6,607 |
| Cash dividends to net income (ytd only)* | 186.8327% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 5,550 |
| Loan loss allowance to noncurrent loans | 139.5248% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.7604% | 5,599 |
| Noncurrent loans to loans | 0.8464% | 5,578 |
| Net loans and leases to total assets | 68.1436% | 3,329 |
| Net loans and leases to deposits | 80.5458% | 3,513 |
| Net loans and leases to core deposits | 85.5237% | 3,904 |
| Total domestic deposits to total assets | 84.6023% | 3,818 |
| Equity capital to assets | 10.5699% | 3,325 |
| Core capital (leverage) ratio | 10.0867% | 3,083 |
| Tier 1 risk-based capital ratio | 15.3785% | 2,965 |
| Total risk-based capital ratio | 16.5805% | 2,950 |
| Memoranda: | ||
| Average total assets | $325,999,670 | 2,036 |
| Average earning assets | $293,981,330 | 2,065 |
| Average equity | $33,670,670 | 1,979 |
| Average total loans | $212,650,670 | 2,099 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1001% | 4,525 |
| Cost of funding earning assets | 1.0789% | 6,001 |
| Net interest margin | 4.0212% | 2,783 |
| Noninterest income to average assets | 0.8149% | 1,945 |
| Noninterest expense to average assets | 2.7245% | 4,794 |
| Loan and lease loss provision to assets | 0.1271% | 5,305 |
| Net operating income to assets | 1.0002% | 2,187 |
| Return on assets (ROA) | 1.0002% | 2,257 |
| Pretax return on assets | 1.5875% | 1,295 |
| Return on Equity (ROE) | 9.7938% | 2,171 |
| Retained earnings to average equity (ytd only) | -26.9627% | 7,491 |
| Net charge-offs to loans | 0.3817% | 2,906 |
| Credit loss provision to net charge-offs | 52.5000% | 4,444 |
| Earnings coverage of net charge-offs (x) | 7.0800% | 2,134 |
| Efficiency ratio | 61.3748% | 5,930 |
| Assets per employee ($millions) | 3.1035% | 5,993 |
| Cash dividends to net income (ytd only)* | 375.3027% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2232% | 5,376 |
| Loan loss allowance to noncurrent loans | 141.2058% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.7147% | 5,736 |
| Noncurrent loans to loans | 0.8663% | 5,587 |
| Net loans and leases to total assets | 62.6667% | 4,621 |
| Net loans and leases to deposits | 73.3336% | 4,850 |
| Net loans and leases to core deposits | 77.6057% | 5,072 |
| Total domestic deposits to total assets | 85.4543% | 3,438 |
| Equity capital to assets | 9.9070% | 3,980 |
| Core capital (leverage) ratio | 9.7084% | 3,509 |
| Tier 1 risk-based capital ratio | 14.7429% | 3,232 |
| Total risk-based capital ratio | 15.9099% | 3,250 |
| Memoranda: | ||
| Average total assets | $330,336,000 | 2,063 |
| Average earning assets | $297,722,000 | 2,093 |
| Average equity | $33,735,500 | 2,000 |
| Average total loans | $209,565,000 | 2,180 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6558% | 3,324 |
| Cost of funding earning assets | 1.4170% | 5,853 |
| Net interest margin | 4.2388% | 1,944 |
| Noninterest income to average assets | 0.6549% | 3,255 |
| Noninterest expense to average assets | 3.1643% | 3,495 |
| Loan and lease loss provision to assets | 0.0916% | 6,687 |
| Net operating income to assets | 0.8515% | 2,342 |
| Return on assets (ROA) | 0.8515% | 2,423 |
| Pretax return on assets | 1.2001% | 1,953 |
| Return on Equity (ROE) | 7.7720% | 2,471 |
| Retained earnings to average equity (ytd only) | 3.7680% | 2,557 |
| Net charge-offs to loans | 0.1933% | 5,436 |
| Credit loss provision to net charge-offs | 69.3237% | 6,503 |
| Earnings coverage of net charge-offs (x) | 9.7802% | 1,756 |
| Efficiency ratio | 71.0123% | 4,439 |
| Assets per employee ($millions) | 3.0431% | 6,116 |
| Cash dividends to net income (ytd only)* | 51.5174% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2589% | 4,997 |
| Loan loss allowance to noncurrent loans | 122.1300% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.8800% | 5,345 |
| Noncurrent loans to loans | 1.0308% | 5,256 |
| Net loans and leases to total assets | 62.6386% | 4,879 |
| Net loans and leases to deposits | 71.9125% | 5,344 |
| Net loans and leases to core deposits | 92.1017% | 4,874 |
| Total domestic deposits to total assets | 87.1038% | 2,436 |
| Equity capital to assets | 10.5154% | 3,163 |
| Core capital (leverage) ratio | 10.9622% | 2,246 |
| Tier 1 risk-based capital ratio | 15.4798% | 2,724 |
| Total risk-based capital ratio | 16.6670% | 2,706 |
| Memoranda: | ||
| Average total assets | $313,463,000 | 2,142 |
| Average earning assets | $281,093,400 | 2,179 |
| Average equity | $34,341,400 | 1,960 |
| Average total loans | $214,140,200 | 2,154 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7905% | 2,935 |
| Cost of funding earning assets | 1.5173% | 5,756 |
| Net interest margin | 4.2732% | 1,796 |
| Noninterest income to average assets | 0.6423% | 3,402 |
| Noninterest expense to average assets | 3.1845% | 3,352 |
| Loan and lease loss provision to assets | 0.1239% | 6,114 |
| Net operating income to assets | 0.7860% | 2,874 |
| Return on assets (ROA) | 0.7860% | 2,936 |
| Pretax return on assets | 1.1667% | 2,364 |
| Return on Equity (ROE) | 7.0978% | 3,028 |
| Retained earnings to average equity (ytd only) | 3.6873% | 3,228 |
| Net charge-offs to loans | 0.0856% | 5,830 |
| Credit loss provision to net charge-offs | 207.9710% | 2,125 |
| Earnings coverage of net charge-offs (x) | 21.6661% | 1,189 |
| Efficiency ratio | 71.1613% | 4,397 |
| Assets per employee ($millions) | 2.6505% | 6,940 |
| Cash dividends to net income (ytd only)* | 48.0506% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3154% | 4,404 |
| Loan loss allowance to noncurrent loans | 139.0209% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.9534% | 5,153 |
| Noncurrent loans to loans | 0.9462% | 5,406 |
| Net loans and leases to total assets | 74.5885% | 2,346 |
| Net loans and leases to deposits | 87.8681% | 2,988 |
| Net loans and leases to core deposits | 118.0197% | 2,410 |
| Total domestic deposits to total assets | 84.8869% | 3,292 |
| Equity capital to assets | 11.7814% | 2,375 |
| Core capital (leverage) ratio | 11.4784% | 2,084 |
| Tier 1 risk-based capital ratio | 15.2105% | 2,943 |
| Total risk-based capital ratio | 16.4611% | 2,890 |
| Memoranda: | ||
| Average total assets | $308,903,000 | 2,180 |
| Average earning assets | $277,065,500 | 2,216 |
| Average equity | $34,206,750 | 1,987 |
| Average total loans | $215,069,500 | 2,173 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7383% | 3,354 |
| Cost of funding earning assets | 1.5989% | 5,747 |
| Net interest margin | 4.1393% | 2,197 |
| Noninterest income to average assets | 0.5685% | 3,906 |
| Noninterest expense to average assets | 3.1504% | 3,503 |
| Loan and lease loss provision to assets | 0.1829% | 5,207 |
| Net operating income to assets | 0.6265% | 3,561 |
| Return on assets (ROA) | 0.6265% | 3,667 |
| Pretax return on assets | 0.9509% | 3,174 |
| Return on Equity (ROE) | 5.7730% | 3,762 |
| Retained earnings to average equity (ytd only) | 3.2770% | 3,498 |
| Net charge-offs to loans | 0.0132% | 6,370 |
| Credit loss provision to net charge-offs | 2,050.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 127.0714% | 308 |
| Efficiency ratio | 73.5347% | 4,107 |
| Assets per employee ($millions) | 2.5741% | 7,109 |
| Cash dividends to net income (ytd only)* | 43.2350% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4393% | 3,527 |
| Loan loss allowance to noncurrent loans | 102.9720% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 1.2408% | 4,456 |
| Noncurrent loans to loans | 1.3978% | 4,415 |
| Net loans and leases to total assets | 69.3235% | 3,873 |
| Net loans and leases to deposits | 80.9724% | 4,394 |
| Net loans and leases to core deposits | 106.1768% | 3,818 |
| Total domestic deposits to total assets | 85.6137% | 2,955 |
| Equity capital to assets | 11.3403% | 2,640 |
| Core capital (leverage) ratio | 11.0517% | 2,364 |
| Tier 1 risk-based capital ratio | 15.4194% | 2,852 |
| Total risk-based capital ratio | 16.6679% | 2,775 |
| Memoranda: | ||
| Average total assets | $313,803,670 | 2,177 |
| Average earning assets | $281,688,330 | 2,211 |
| Average equity | $34,055,330 | 1,988 |
| Average total loans | $212,637,670 | 2,225 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8479% | 3,042 |
| Cost of funding earning assets | 1.7047% | 5,578 |
| Net interest margin | 4.1433% | 2,109 |
| Noninterest income to average assets | 0.6098% | 3,481 |
| Noninterest expense to average assets | 3.1026% | 3,367 |
| Loan and lease loss provision to assets | 0.2124% | 4,321 |
| Net operating income to assets | 0.6198% | 3,941 |
| Return on assets (ROA) | 0.6198% | 4,126 |
| Pretax return on assets | 1.0121% | 3,309 |
| Return on Equity (ROE) | 5.8343% | 4,102 |
| Retained earnings to average equity (ytd only) | 4.0699% | 3,633 |
| Net charge-offs to loans | -0.1183% | 7,922 |
| Credit loss provision to net charge-offs | -269.8413% | 6,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7008% | 4,239 |
| Assets per employee ($millions) | 2.7795% | 6,692 |
| Cash dividends to net income (ytd only)* | 30.2419% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4349% | 3,321 |
| Loan loss allowance to noncurrent loans | 141.6000% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.9903% | 4,717 |
| Noncurrent loans to loans | 1.0134% | 4,975 |
| Net loans and leases to total assets | 66.3927% | 4,489 |
| Net loans and leases to deposits | 77.0942% | 5,075 |
| Net loans and leases to core deposits | 99.9889% | 4,542 |
| Total domestic deposits to total assets | 86.1188% | 2,649 |
| Equity capital to assets | 10.9586% | 3,000 |
| Core capital (leverage) ratio | 10.4101% | 3,020 |
| Tier 1 risk-based capital ratio | 15.3701% | 2,906 |
| Total risk-based capital ratio | 16.6216% | 2,841 |
| Memoranda: | ||
| Average total assets | $320,118,000 | 2,163 |
| Average earning assets | $287,212,500 | 2,198 |
| Average equity | $34,006,000 | 2,005 |
| Average total loans | $213,039,500 | 2,243 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6835% | 2,087 |
| Cost of funding earning assets | 2.4435% | 4,509 |
| Net interest margin | 4.2400% | 2,159 |
| Noninterest income to average assets | 0.7940% | 2,551 |
| Noninterest expense to average assets | 3.1039% | 3,681 |
| Loan and lease loss provision to assets | 0.1932% | 4,952 |
| Net operating income to assets | 0.8851% | 3,064 |
| Return on assets (ROA) | 0.8851% | 2,906 |
| Pretax return on assets | 1.2869% | 2,354 |
| Return on Equity (ROE) | 8.6746% | 2,762 |
| Retained earnings to average equity (ytd only) | 4.5174% | 2,317 |
| Net charge-offs to loans | 0.3381% | 3,142 |
| Credit loss provision to net charge-offs | 82.8841% | 5,843 |
| Earnings coverage of net charge-offs (x) | 6.3491% | 3,375 |
| Efficiency ratio | 67.7108% | 4,772 |
| Assets per employee ($millions) | 2.8603% | 6,411 |
| Cash dividends to net income (ytd only)* | 47.9233% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2829% | 3,906 |
| Loan loss allowance to noncurrent loans | 135.6131% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.9446% | 4,464 |
| Noncurrent loans to loans | 0.9460% | 4,715 |
| Net loans and leases to total assets | 64.9408% | 5,075 |
| Net loans and leases to deposits | 74.6402% | 5,777 |
| Net loans and leases to core deposits | 94.9032% | 5,363 |
| Total domestic deposits to total assets | 87.0051% | 1,928 |
| Equity capital to assets | 10.3053% | 3,705 |
| Core capital (leverage) ratio | 10.3051% | 3,170 |
| Tier 1 risk-based capital ratio | 13.7601% | 3,666 |
| Total risk-based capital ratio | 14.9095% | 3,635 |
| Memoranda: | ||
| Average total assets | $318,275,800 | 2,106 |
| Average earning assets | $284,507,000 | 2,144 |
| Average equity | $32,474,200 | 2,086 |
| Average total loans | $219,484,600 | 2,129 |