Home > NewFirst National Bank > Performance and Condition Ratios
NewFirst National Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7883% | 432 |
| Cost of funding earning assets | 1.4877% | 3,230 |
| Net interest margin | 5.3006% | 197 |
| Noninterest income to average assets | 0.4000% | 2,235 |
| Noninterest expense to average assets | 2.1910% | 3,121 |
| Loan and lease loss provision to assets | 0.2600% | 429 |
| Net operating income to assets | 2.9827% | 142 |
| Return on assets (ROA) | 2.9827% | 144 |
| Pretax return on assets | 2.9827% | 191 |
| Return on Equity (ROE) | 25.7600% | 179 |
| Retained earnings to average equity (ytd only) | 14.3493% | 497 |
| Net charge-offs to loans | -0.0079% | 3,857 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 40.3520% | 4,278 |
| Assets per employee ($millions) | 11.7314% | 482 |
| Cash dividends to net income (ytd only)* | 44.2935% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3463% | 1,503 |
| Loan loss allowance to noncurrent loans | 384.6123% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.2731% | 2,184 |
| Noncurrent loans to loans | 0.3501% | 2,250 |
| Net loans and leases to total assets | 74.5900% | 1,261 |
| Net loans and leases to deposits | 85.1557% | 1,579 |
| Net loans and leases to core deposits | 86.3495% | 2,296 |
| Total domestic deposits to total assets | 87.5900% | 1,700 |
| Equity capital to assets | 11.6731% | 1,350 |
| Core capital (leverage) ratio | 12.0818% | 1,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $937,675,000 | 1,097 |
| Average earning assets | $889,706,500 | 1,068 |
| Average equity | $108,576,500 | 976 |
| Average total loans | $704,588,000 | 1,026 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0543% | 371 |
| Cost of funding earning assets | 1.5794% | 3,211 |
| Net interest margin | 5.4749% | 181 |
| Noninterest income to average assets | 0.4300% | 2,281 |
| Noninterest expense to average assets | 2.1129% | 3,343 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 3.4937% | 111 |
| Return on assets (ROA) | 3.4937% | 114 |
| Pretax return on assets | 3.4937% | 135 |
| Return on Equity (ROE) | 30.3300% | 99 |
| Retained earnings to average equity (ytd only) | 3.6719% | 2,753 |
| Net charge-offs to loans | -0.0126% | 4,073 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 37.5747% | 4,349 |
| Assets per employee ($millions) | 11.1458% | 552 |
| Cash dividends to net income (ytd only)* | 87.8929% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3115% | 1,620 |
| Loan loss allowance to noncurrent loans | 487.8298% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.2094% | 2,413 |
| Noncurrent loans to loans | 0.2689% | 2,460 |
| Net loans and leases to total assets | 73.6800% | 1,445 |
| Net loans and leases to deposits | 84.2127% | 1,763 |
| Net loans and leases to core deposits | 85.3752% | 2,427 |
| Total domestic deposits to total assets | 87.5000% | 1,707 |
| Equity capital to assets | 11.4830% | 1,375 |
| Core capital (leverage) ratio | 11.8661% | 1,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $918,946,200 | 1,088 |
| Average earning assets | $871,487,200 | 1,061 |
| Average equity | $105,857,000 | 968 |
| Average total loans | $665,797,400 | 1,050 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0587% | 362 |
| Cost of funding earning assets | 1.5940% | 3,185 |
| Net interest margin | 5.4648% | 194 |
| Noninterest income to average assets | 0.4400% | 2,183 |
| Noninterest expense to average assets | 2.1021% | 3,320 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 3.4921% | 109 |
| Return on assets (ROA) | 3.4921% | 111 |
| Pretax return on assets | 3.4921% | 143 |
| Return on Equity (ROE) | 30.2900% | 107 |
| Retained earnings to average equity (ytd only) | 10.4759% | 749 |
| Net charge-offs to loans | -0.0154% | 4,100 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 37.4288% | 4,385 |
| Assets per employee ($millions) | 10.8617% | 594 |
| Cash dividends to net income (ytd only)* | 65.4153% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3212% | 1,620 |
| Loan loss allowance to noncurrent loans | 420.0000% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.2362% | 2,300 |
| Noncurrent loans to loans | 0.3146% | 2,340 |
| Net loans and leases to total assets | 74.0900% | 1,348 |
| Net loans and leases to deposits | 85.3115% | 1,705 |
| Net loans and leases to core deposits | 86.4504% | 2,388 |
| Total domestic deposits to total assets | 86.8500% | 1,644 |
| Equity capital to assets | 12.2205% | 1,199 |
| Core capital (leverage) ratio | 12.5453% | 1,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $917,406,750 | 1,084 |
| Average earning assets | $869,764,750 | 1,057 |
| Average equity | $105,763,750 | 965 |
| Average total loans | $659,569,250 | 1,059 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9788% | 373 |
| Cost of funding earning assets | 1.5573% | 3,162 |
| Net interest margin | 5.4215% | 201 |
| Noninterest income to average assets | 0.4400% | 2,147 |
| Noninterest expense to average assets | 2.1206% | 3,272 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 3.4391% | 122 |
| Return on assets (ROA) | 3.4391% | 124 |
| Pretax return on assets | 3.4391% | 155 |
| Return on Equity (ROE) | 30.4400% | 123 |
| Retained earnings to average equity (ytd only) | 4.9532% | 2,342 |
| Net charge-offs to loans | -0.0295% | 4,211 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 37.9478% | 4,394 |
| Assets per employee ($millions) | 10.9362% | 555 |
| Cash dividends to net income (ytd only)* | 83.7256% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3423% | 1,568 |
| Loan loss allowance to noncurrent loans | 898.7988% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.1087% | 2,921 |
| Noncurrent loans to loans | 0.1493% | 2,903 |
| Net loans and leases to total assets | 71.8400% | 1,668 |
| Net loans and leases to deposits | 81.8261% | 2,032 |
| Net loans and leases to core deposits | 82.9166% | 2,607 |
| Total domestic deposits to total assets | 87.8000% | 1,391 |
| Equity capital to assets | 11.3212% | 1,414 |
| Core capital (leverage) ratio | 11.8313% | 1,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $919,082,667 | 1,084 |
| Average earning assets | $872,925,333 | 1,057 |
| Average equity | $103,852,667 | 973 |
| Average total loans | $651,068,667 | 1,071 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9122% | 371 |
| Cost of funding earning assets | 1.5033% | 3,186 |
| Net interest margin | 5.4089% | 205 |
| Noninterest income to average assets | 0.4700% | 1,919 |
| Noninterest expense to average assets | 2.2082% | 3,047 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 3.4026% | 127 |
| Return on assets (ROA) | 3.4026% | 127 |
| Pretax return on assets | 3.4026% | 159 |
| Return on Equity (ROE) | 30.1400% | 141 |
| Retained earnings to average equity (ytd only) | 18.8324% | 237 |
| Net charge-offs to loans | -0.0947% | 4,441 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 39.3563% | 4,358 |
| Assets per employee ($millions) | 11.4832% | 489 |
| Cash dividends to net income (ytd only)* | 37.5192% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3740% | 1,471 |
| Loan loss allowance to noncurrent loans | 931.6946% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.1041% | 2,934 |
| Noncurrent loans to loans | 0.1475% | 2,876 |
| Net loans and leases to total assets | 69.6000% | 1,851 |
| Net loans and leases to deposits | 79.3713% | 2,121 |
| Net loans and leases to core deposits | 80.5322% | 2,687 |
| Total domestic deposits to total assets | 87.6800% | 1,536 |
| Equity capital to assets | 11.5449% | 1,287 |
| Core capital (leverage) ratio | 11.9444% | 1,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $919,304,000 | 1,088 |
| Average earning assets | $873,010,000 | 1,062 |
| Average equity | $103,778,500 | 968 |
| Average total loans | $642,141,500 | 1,078 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4389% | 374 |
| Cost of funding earning assets | 1.2202% | 2,751 |
| Net interest margin | 5.2188% | 259 |
| Noninterest income to average assets | 0.6400% | 1,394 |
| Noninterest expense to average assets | 2.0240% | 3,570 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 3.5612% | 119 |
| Return on assets (ROA) | 3.5612% | 118 |
| Pretax return on assets | 3.5612% | 143 |
| Return on Equity (ROE) | 33.5600% | 139 |
| Retained earnings to average equity (ytd only) | 6.9752% | 1,899 |
| Net charge-offs to loans | -0.0342% | 4,291 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 36.2379% | 4,433 |
| Assets per employee ($millions) | 11.4994% | 467 |
| Cash dividends to net income (ytd only)* | 79.2136% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3767% | 1,480 |
| Loan loss allowance to noncurrent loans | 1,276.3848% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.0859% | 2,962 |
| Noncurrent loans to loans | 0.1079% | 2,998 |
| Net loans and leases to total assets | 68.1900% | 2,015 |
| Net loans and leases to deposits | 77.5481% | 2,312 |
| Net loans and leases to core deposits | 78.7528% | 2,782 |
| Total domestic deposits to total assets | 87.9300% | 1,383 |
| Equity capital to assets | 11.0331% | 1,460 |
| Core capital (leverage) ratio | 11.3650% | 1,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $928,331,400 | 1,055 |
| Average earning assets | $880,455,200 | 1,020 |
| Average equity | $98,520,600 | 956 |
| Average total loans | $626,364,400 | 1,063 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3092% | 367 |
| Cost of funding earning assets | 1.1317% | 2,653 |
| Net interest margin | 5.1775% | 259 |
| Noninterest income to average assets | 0.7000% | 1,185 |
| Noninterest expense to average assets | 1.9972% | 3,603 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 3.6106% | 127 |
| Return on assets (ROA) | 3.6106% | 127 |
| Pretax return on assets | 3.6106% | 149 |
| Return on Equity (ROE) | 34.3600% | 169 |
| Retained earnings to average equity (ytd only) | 8.1927% | 1,889 |
| Net charge-offs to loans | -0.0519% | 4,372 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 35.6144% | 4,453 |
| Assets per employee ($millions) | 12.2192% | 355 |
| Cash dividends to net income (ytd only)* | 76.1549% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4307% | 1,329 |
| Loan loss allowance to noncurrent loans | 1,211.1549% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 3,074 |
| Noncurrent loans to loans | 0.1181% | 2,974 |
| Net loans and leases to total assets | 65.0400% | 2,340 |
| Net loans and leases to deposits | 73.0305% | 2,643 |
| Net loans and leases to core deposits | 73.7922% | 3,005 |
| Total domestic deposits to total assets | 89.0600% | 1,223 |
| Equity capital to assets | 10.1021% | 1,767 |
| Core capital (leverage) ratio | 10.7471% | 2,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $930,426,250 | 1,055 |
| Average earning assets | $882,409,000 | 1,021 |
| Average equity | $97,776,000 | 958 |
| Average total loans | $623,947,750 | 1,060 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0938% | 396 |
| Cost of funding earning assets | 0.9510% | 2,768 |
| Net interest margin | 5.1427% | 262 |
| Noninterest income to average assets | 0.7600% | 956 |
| Noninterest expense to average assets | 2.0564% | 3,450 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 3.5810% | 113 |
| Return on assets (ROA) | 3.5810% | 114 |
| Pretax return on assets | 3.5810% | 137 |
| Return on Equity (ROE) | 33.6100% | 165 |
| Retained earnings to average equity (ytd only) | 9.8470% | 1,448 |
| Net charge-offs to loans | -0.0123% | 3,982 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 36.4775% | 4,464 |
| Assets per employee ($millions) | 11.6242% | 420 |
| Cash dividends to net income (ytd only)* | 70.7046% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5174% | 1,123 |
| Loan loss allowance to noncurrent loans | 1,248.1675% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 2,977 |
| Noncurrent loans to loans | 0.1216% | 2,868 |
| Net loans and leases to total assets | 64.1500% | 2,364 |
| Net loans and leases to deposits | 72.0070% | 2,647 |
| Net loans and leases to core deposits | 72.5836% | 2,983 |
| Total domestic deposits to total assets | 89.0900% | 1,226 |
| Equity capital to assets | 10.1811% | 1,758 |
| Core capital (leverage) ratio | 11.5000% | 1,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $914,723,333 | 1,065 |
| Average earning assets | $867,478,333 | 1,027 |
| Average equity | $97,450,667 | 956 |
| Average total loans | $616,913,333 | 1,057 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0750% | 287 |
| Cost of funding earning assets | 0.7006% | 3,051 |
| Net interest margin | 5.3743% | 178 |
| Noninterest income to average assets | 0.8200% | 816 |
| Noninterest expense to average assets | 2.1504% | 3,253 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 3.7546% | 109 |
| Return on assets (ROA) | 3.7546% | 109 |
| Pretax return on assets | 3.7546% | 119 |
| Return on Equity (ROE) | 34.4200% | 167 |
| Retained earnings to average equity (ytd only) | 25.5136% | 168 |
| Net charge-offs to loans | -0.0288% | 4,209 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 36.4169% | 4,530 |
| Assets per employee ($millions) | 10.9430% | 519 |
| Cash dividends to net income (ytd only)* | 25.8652% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5486% | 1,124 |
| Loan loss allowance to noncurrent loans | 969.7154% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.1097% | 2,757 |
| Noncurrent loans to loans | 0.1597% | 2,690 |
| Net loans and leases to total assets | 67.6000% | 1,885 |
| Net loans and leases to deposits | 76.7409% | 2,060 |
| Net loans and leases to core deposits | 77.4328% | 2,430 |
| Total domestic deposits to total assets | 88.0900% | 1,898 |
| Equity capital to assets | 11.2381% | 1,251 |
| Core capital (leverage) ratio | 12.0726% | 1,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $889,681,000 | 1,110 |
| Average earning assets | $842,079,000 | 1,079 |
| Average equity | $97,062,000 | 968 |
| Average total loans | $611,148,000 | 1,077 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8488% | 394 |
| Cost of funding earning assets | 0.1742% | 3,965 |
| Net interest margin | 4.6746% | 214 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 2.0345% | 3,489 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 2.9047% | 114 |
| Return on assets (ROA) | 2.9047% | 111 |
| Pretax return on assets | 2.9047% | 141 |
| Return on Equity (ROE) | 28.6300% | 133 |
| Retained earnings to average equity (ytd only) | 7.4754% | 2,036 |
| Net charge-offs to loans | 0.0639% | 1,006 |
| Credit loss provision to net charge-offs | 396.8254% | 782 |
| Earnings coverage of net charge-offs (x) | 73.6772% | 1,132 |
| Efficiency ratio | 39.8566% | 4,540 |
| Assets per employee ($millions) | 10.8894% | 522 |
| Cash dividends to net income (ytd only)* | 73.8861% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5670% | 1,036 |
| Loan loss allowance to noncurrent loans | 388.4663% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.2772% | 1,768 |
| Noncurrent loans to loans | 0.4034% | 1,716 |
| Net loans and leases to total assets | 67.6400% | 1,867 |
| Net loans and leases to deposits | 76.4421% | 2,063 |
| Net loans and leases to core deposits | 77.1065% | 2,342 |
| Total domestic deposits to total assets | 88.4900% | 1,889 |
| Equity capital to assets | 10.5757% | 1,419 |
| Core capital (leverage) ratio | 11.1155% | 1,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $907,152,400 | 1,071 |
| Average earning assets | $862,380,000 | 1,043 |
| Average equity | $92,049,200 | 1,007 |
| Average total loans | $591,462,600 | 1,045 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5405% | 472 |
| Cost of funding earning assets | 0.1193% | 4,131 |
| Net interest margin | 4.4212% | 269 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 1.9885% | 3,510 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 2.5467% | 145 |
| Return on assets (ROA) | 2.5467% | 143 |
| Pretax return on assets | 2.5467% | 202 |
| Return on Equity (ROE) | 25.3600% | 177 |
| Retained earnings to average equity (ytd only) | 5.7813% | 2,826 |
| Net charge-offs to loans | 0.0082% | 1,838 |
| Credit loss provision to net charge-offs | 2,777.7778% | 189 |
| Earnings coverage of net charge-offs (x) | 512.4167% | 305 |
| Efficiency ratio | 42.4790% | 4,512 |
| Assets per employee ($millions) | 10.8603% | 516 |
| Cash dividends to net income (ytd only)* | 77.1995% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5471% | 1,174 |
| Loan loss allowance to noncurrent loans | 271.2751% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.3820% | 1,415 |
| Noncurrent loans to loans | 0.5703% | 1,406 |
| Net loans and leases to total assets | 65.9400% | 1,898 |
| Net loans and leases to deposits | 73.8345% | 2,069 |
| Net loans and leases to core deposits | 74.4792% | 2,315 |
| Total domestic deposits to total assets | 89.3000% | 1,958 |
| Equity capital to assets | 10.0275% | 1,610 |
| Core capital (leverage) ratio | 10.6248% | 2,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $913,431,000 | 1,071 |
| Average earning assets | $869,636,000 | 1,038 |
| Average equity | $91,741,000 | 1,027 |
| Average total loans | $587,797,250 | 1,046 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2394% | 580 |
| Cost of funding earning assets | 0.0831% | 4,344 |
| Net interest margin | 4.1563% | 362 |
| Noninterest income to average assets | 0.4273% | 2,582 |
| Noninterest expense to average assets | 1.9400% | 3,602 |
| Loan and lease loss provision to assets | 0.1090% | 915 |
| Net operating income to assets | 2.3380% | 132 |
| Return on assets (ROA) | 2.3380% | 132 |
| Pretax return on assets | 2.3380% | 210 |
| Return on Equity (ROE) | 23.2667% | 156 |
| Retained earnings to average equity (ytd only) | 6.5906% | 2,138 |
| Net charge-offs to loans | 0.0179% | 1,380 |
| Credit loss provision to net charge-offs | 961.5385% | 419 |
| Earnings coverage of net charge-offs (x) | 215.8654% | 519 |
| Efficiency ratio | 44.2208% | 4,516 |
| Assets per employee ($millions) | 10.4846% | 570 |
| Cash dividends to net income (ytd only)* | 71.6737% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4511% | 1,555 |
| Loan loss allowance to noncurrent loans | 234.3335% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.4177% | 1,355 |
| Noncurrent loans to loans | 0.6192% | 1,369 |
| Net loans and leases to total assets | 66.4701% | 1,636 |
| Net loans and leases to deposits | 74.3896% | 1,824 |
| Net loans and leases to core deposits | 75.0716% | 2,086 |
| Total domestic deposits to total assets | 89.3540% | 2,023 |
| Equity capital to assets | 10.0894% | 1,664 |
| Core capital (leverage) ratio | 10.6203% | 1,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $917,439,667 | 1,064 |
| Average earning assets | $874,041,000 | 1,042 |
| Average equity | $92,192,000 | 1,029 |
| Average total loans | $582,498,667 | 1,045 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9972% | 778 |
| Cost of funding earning assets | 0.0703% | 4,447 |
| Net interest margin | 3.9269% | 470 |
| Noninterest income to average assets | 0.4072% | 2,637 |
| Noninterest expense to average assets | 1.9461% | 3,559 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.2055% | 161 |
| Return on assets (ROA) | 2.2055% | 160 |
| Pretax return on assets | 2.2055% | 254 |
| Return on Equity (ROE) | 21.9910% | 155 |
| Retained earnings to average equity (ytd only) | 12.1636% | 579 |
| Net charge-offs to loans | 0.0105% | 1,371 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 340.1333% | 287 |
| Efficiency ratio | 46.8763% | 4,458 |
| Assets per employee ($millions) | 10.8181% | 537 |
| Cash dividends to net income (ytd only)* | 44.6884% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4601% | 1,681 |
| Loan loss allowance to noncurrent loans | 374.9327% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.2369% | 2,217 |
| Noncurrent loans to loans | 0.3894% | 2,091 |
| Net loans and leases to total assets | 59.9535% | 2,072 |
| Net loans and leases to deposits | 66.8076% | 2,264 |
| Net loans and leases to core deposits | 67.2860% | 2,510 |
| Total domestic deposits to total assets | 89.7406% | 1,699 |
| Equity capital to assets | 9.8334% | 2,020 |
| Core capital (leverage) ratio | 10.3285% | 1,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $925,323,500 | 1,057 |
| Average earning assets | $882,314,000 | 1,035 |
| Average equity | $92,801,500 | 1,051 |
| Average total loans | $569,664,500 | 1,056 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5654% | 539 |
| Cost of funding earning assets | 0.0897% | 4,460 |
| Net interest margin | 4.4757% | 289 |
| Noninterest income to average assets | 0.7491% | 1,600 |
| Noninterest expense to average assets | 2.2125% | 3,040 |
| Loan and lease loss provision to assets | -0.0566% | 4,389 |
| Net operating income to assets | 2.8426% | 113 |
| Return on assets (ROA) | 2.8426% | 116 |
| Pretax return on assets | 2.8426% | 169 |
| Return on Equity (ROE) | 27.3463% | 93 |
| Retained earnings to average equity (ytd only) | 5.1155% | 2,741 |
| Net charge-offs to loans | 0.0087% | 2,251 |
| Credit loss provision to net charge-offs | -980.3922% | 3,913 |
| Earnings coverage of net charge-offs (x) | 482.8431% | 284 |
| Efficiency ratio | 44.2634% | 4,562 |
| Assets per employee ($millions) | 9.8855% | 688 |
| Cash dividends to net income (ytd only)* | 81.2935% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4779% | 1,643 |
| Loan loss allowance to noncurrent loans | 385.4119% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.2389% | 2,362 |
| Noncurrent loans to loans | 0.3834% | 2,216 |
| Net loans and leases to total assets | 61.3900% | 2,018 |
| Net loans and leases to deposits | 69.2717% | 2,197 |
| Net loans and leases to core deposits | 69.7200% | 2,479 |
| Total domestic deposits to total assets | 88.6221% | 1,719 |
| Equity capital to assets | 10.2316% | 2,440 |
| Core capital (leverage) ratio | 10.0649% | 2,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $883,873,600 | 1,059 |
| Average earning assets | $839,199,600 | 1,042 |
| Average equity | $91,877,000 | 1,081 |
| Average total loans | $582,980,000 | 1,040 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6208% | 548 |
| Cost of funding earning assets | 0.0947% | 4,538 |
| Net interest margin | 4.5261% | 299 |
| Noninterest income to average assets | 0.8415% | 1,408 |
| Noninterest expense to average assets | 2.2788% | 2,812 |
| Loan and lease loss provision to assets | -0.2279% | 4,770 |
| Net operating income to assets | 3.0813% | 116 |
| Return on assets (ROA) | 3.0813% | 118 |
| Pretax return on assets | 3.0813% | 163 |
| Return on Equity (ROE) | 29.5229% | 101 |
| Retained earnings to average equity (ytd only) | 5.6064% | 2,998 |
| Net charge-offs to loans | 0.0064% | 2,082 |
| Credit loss provision to net charge-offs | -5,357.1429% | 4,138 |
| Earnings coverage of net charge-offs (x) | 670.6786% | 239 |
| Efficiency ratio | 44.4014% | 4,570 |
| Assets per employee ($millions) | 10.0347% | 633 |
| Cash dividends to net income (ytd only)* | 81.0099% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3198% | 2,396 |
| Loan loss allowance to noncurrent loans | 326.1905% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.6630% | 1,134 |
| Noncurrent loans to loans | 0.4046% | 2,346 |
| Net loans and leases to total assets | 61.2469% | 2,108 |
| Net loans and leases to deposits | 69.0846% | 2,325 |
| Net loans and leases to core deposits | 69.5562% | 2,635 |
| Total domestic deposits to total assets | 88.6549% | 1,485 |
| Equity capital to assets | 10.2283% | 2,680 |
| Core capital (leverage) ratio | 10.2609% | 2,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $877,474,500 | 1,077 |
| Average earning assets | $831,832,000 | 1,065 |
| Average equity | $91,583,000 | 1,099 |
| Average total loans | $587,050,250 | 1,048 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6211% | 603 |
| Cost of funding earning assets | 0.1027% | 4,562 |
| Net interest margin | 4.5184% | 342 |
| Noninterest income to average assets | 1.0457% | 1,002 |
| Noninterest expense to average assets | 2.3523% | 2,614 |
| Loan and lease loss provision to assets | -0.3453% | 4,859 |
| Net operating income to assets | 3.3213% | 100 |
| Return on assets (ROA) | 3.3213% | 102 |
| Pretax return on assets | 3.3213% | 136 |
| Return on Equity (ROE) | 31.6034% | 83 |
| Retained earnings to average equity (ytd only) | 11.0404% | 1,112 |
| Net charge-offs to loans | 0.0054% | 1,950 |
| Credit loss provision to net charge-offs | -9,375.0000% | 4,045 |
| Earnings coverage of net charge-offs (x) | 808.1250% | 171 |
| Efficiency ratio | 44.1469% | 4,606 |
| Assets per employee ($millions) | 9.6339% | 685 |
| Cash dividends to net income (ytd only)* | 65.0658% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2811% | 2,530 |
| Loan loss allowance to noncurrent loans | 154.6213% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.9739% | 782 |
| Noncurrent loans to loans | 0.8285% | 1,478 |
| Net loans and leases to total assets | 65.1425% | 1,805 |
| Net loans and leases to deposits | 73.8831% | 2,012 |
| Net loans and leases to core deposits | 74.4348% | 2,369 |
| Total domestic deposits to total assets | 88.1697% | 1,741 |
| Equity capital to assets | 10.6746% | 2,244 |
| Core capital (leverage) ratio | 10.2839% | 2,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $868,924,333 | 1,082 |
| Average earning assets | $823,609,333 | 1,063 |
| Average equity | $91,319,333 | 1,095 |
| Average total loans | $595,889,000 | 1,035 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4781% | 803 |
| Cost of funding earning assets | 0.1099% | 4,588 |
| Net interest margin | 4.3682% | 454 |
| Noninterest income to average assets | 0.7528% | 1,700 |
| Noninterest expense to average assets | 2.4956% | 2,186 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.3943% | 317 |
| Return on assets (ROA) | 2.3943% | 345 |
| Pretax return on assets | 2.3943% | 526 |
| Return on Equity (ROE) | 22.9655% | 340 |
| Retained earnings to average equity (ytd only) | 12.3166% | 1,070 |
| Net charge-offs to loans | -0.0026% | 3,193 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0355% | 4,090 |
| Assets per employee ($millions) | 9.7302% | 645 |
| Cash dividends to net income (ytd only)* | 46.3693% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4693% | 1,704 |
| Loan loss allowance to noncurrent loans | 157.7181% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 1.0850% | 741 |
| Noncurrent loans to loans | 0.9316% | 1,450 |
| Net loans and leases to total assets | 67.6314% | 1,581 |
| Net loans and leases to deposits | 76.2335% | 1,885 |
| Net loans and leases to core deposits | 76.8333% | 2,284 |
| Total domestic deposits to total assets | 88.7162% | 1,491 |
| Equity capital to assets | 10.3307% | 2,413 |
| Core capital (leverage) ratio | 10.1169% | 2,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $865,042,000 | 1,078 |
| Average earning assets | $819,277,500 | 1,056 |
| Average equity | $90,187,500 | 1,095 |
| Average total loans | $604,579,500 | 1,019 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1237% | 390 |
| Cost of funding earning assets | 0.2316% | 4,454 |
| Net interest margin | 4.8922% | 148 |
| Noninterest income to average assets | 0.8288% | 1,457 |
| Noninterest expense to average assets | 2.6747% | 2,311 |
| Loan and lease loss provision to assets | 0.2483% | 1,553 |
| Net operating income to assets | 2.5182% | 133 |
| Return on assets (ROA) | 2.5182% | 137 |
| Pretax return on assets | 2.5182% | 184 |
| Return on Equity (ROE) | 22.8834% | 139 |
| Retained earnings to average equity (ytd only) | 3.7584% | 2,943 |
| Net charge-offs to loans | 0.0082% | 3,037 |
| Credit loss provision to net charge-offs | 4,166.6667% | 252 |
| Earnings coverage of net charge-offs (x) | 464.3125% | 249 |
| Efficiency ratio | 49.1571% | 4,579 |
| Assets per employee ($millions) | 9.0821% | 719 |
| Cash dividends to net income (ytd only)* | 83.5757% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4842% | 1,640 |
| Loan loss allowance to noncurrent loans | 151.9578% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 1.1625% | 764 |
| Noncurrent loans to loans | 0.9767% | 1,445 |
| Net loans and leases to total assets | 70.1440% | 1,544 |
| Net loans and leases to deposits | 79.4237% | 1,935 |
| Net loans and leases to core deposits | 80.0404% | 2,359 |
| Total domestic deposits to total assets | 88.3163% | 1,321 |
| Equity capital to assets | 10.5254% | 2,650 |
| Core capital (leverage) ratio | 10.3258% | 2,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $805,615,400 | 1,052 |
| Average earning assets | $759,542,400 | 1,032 |
| Average equity | $88,653,800 | 1,069 |
| Average total loans | $584,323,000 | 1,000 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1426% | 460 |
| Cost of funding earning assets | 0.2630% | 4,461 |
| Net interest margin | 4.8796% | 174 |
| Noninterest income to average assets | 0.8743% | 1,296 |
| Noninterest expense to average assets | 2.6109% | 2,505 |
| Loan and lease loss provision to assets | 0.2931% | 1,383 |
| Net operating income to assets | 2.5741% | 133 |
| Return on assets (ROA) | 2.5741% | 139 |
| Pretax return on assets | 2.5741% | 188 |
| Return on Equity (ROE) | 23.1242% | 150 |
| Retained earnings to average equity (ytd only) | 8.1420% | 1,257 |
| Net charge-offs to loans | 0.0071% | 2,867 |
| Credit loss provision to net charge-offs | 5,645.1613% | 196 |
| Earnings coverage of net charge-offs (x) | 552.0968% | 216 |
| Efficiency ratio | 47.6606% | 4,630 |
| Assets per employee ($millions) | 8.6926% | 776 |
| Cash dividends to net income (ytd only)* | 64.7901% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 1,836 |
| Loan loss allowance to noncurrent loans | 78.4425% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 1.9692% | 340 |
| Noncurrent loans to loans | 1.7572% | 763 |
| Net loans and leases to total assets | 76.1183% | 1,075 |
| Net loans and leases to deposits | 86.7814% | 1,612 |
| Net loans and leases to core deposits | 87.4509% | 2,195 |
| Total domestic deposits to total assets | 87.7127% | 1,335 |
| Equity capital to assets | 11.1525% | 2,281 |
| Core capital (leverage) ratio | 10.7653% | 2,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $795,859,500 | 1,047 |
| Average earning assets | $750,891,250 | 1,028 |
| Average equity | $88,591,750 | 1,060 |
| Average total loans | $580,056,250 | 1,003 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1988% | 573 |
| Cost of funding earning assets | 0.3086% | 4,450 |
| Net interest margin | 4.8903% | 247 |
| Noninterest income to average assets | 0.8765% | 1,223 |
| Noninterest expense to average assets | 2.6342% | 2,565 |
| Loan and lease loss provision to assets | 0.3803% | 1,091 |
| Net operating income to assets | 2.4752% | 148 |
| Return on assets (ROA) | 2.4752% | 160 |
| Pretax return on assets | 2.4752% | 228 |
| Return on Equity (ROE) | 22.2504% | 158 |
| Retained earnings to average equity (ytd only) | 10.6671% | 662 |
| Net charge-offs to loans | -0.0210% | 4,417 |
| Credit loss provision to net charge-offs | -2,542.3729% | 3,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9839% | 4,633 |
| Assets per employee ($millions) | 9.2805% | 625 |
| Cash dividends to net income (ytd only)* | 52.0590% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3847% | 1,638 |
| Loan loss allowance to noncurrent loans | 178.0305% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 1.0508% | 1,115 |
| Noncurrent loans to loans | 0.7778% | 1,943 |
| Net loans and leases to total assets | 70.4099% | 1,968 |
| Net loans and leases to deposits | 82.9138% | 2,097 |
| Net loans and leases to core deposits | 83.6614% | 2,638 |
| Total domestic deposits to total assets | 84.9194% | 2,431 |
| Equity capital to assets | 10.4857% | 2,752 |
| Core capital (leverage) ratio | 10.5117% | 2,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $788,779,000 | 1,039 |
| Average earning assets | $744,090,000 | 1,020 |
| Average equity | $87,746,667 | 1,055 |
| Average total loans | $563,189,667 | 1,014 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2287% | 628 |
| Cost of funding earning assets | 0.4083% | 4,336 |
| Net interest margin | 4.8204% | 266 |
| Noninterest income to average assets | 0.9765% | 903 |
| Noninterest expense to average assets | 2.7838% | 2,472 |
| Loan and lease loss provision to assets | 0.7983% | 310 |
| Net operating income to assets | 1.9249% | 315 |
| Return on assets (ROA) | 1.9249% | 347 |
| Pretax return on assets | 1.9249% | 543 |
| Return on Equity (ROE) | 16.7512% | 360 |
| Retained earnings to average equity (ytd only) | 10.1609% | 713 |
| Net charge-offs to loans | -0.0425% | 4,582 |
| Credit loss provision to net charge-offs | -2,631.5789% | 3,760 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5508% | 4,634 |
| Assets per employee ($millions) | 7.5778% | 872 |
| Cash dividends to net income (ytd only)* | 39.3420% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5955% | 1,080 |
| Loan loss allowance to noncurrent loans | 226.1665% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 1.0620% | 1,227 |
| Noncurrent loans to loans | 0.7054% | 2,237 |
| Net loans and leases to total assets | 69.4350% | 2,330 |
| Net loans and leases to deposits | 79.3051% | 2,748 |
| Net loans and leases to core deposits | 80.1104% | 3,187 |
| Total domestic deposits to total assets | 87.5544% | 1,302 |
| Equity capital to assets | 11.5727% | 2,378 |
| Core capital (leverage) ratio | 11.3559% | 2,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $751,626,500 | 1,045 |
| Average earning assets | $706,408,000 | 1,028 |
| Average equity | $86,370,000 | 1,067 |
| Average total loans | $536,669,500 | 1,033 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5511% | 515 |
| Cost of funding earning assets | 0.5703% | 3,771 |
| Net interest margin | 4.9808% | 282 |
| Noninterest income to average assets | 1.1175% | 760 |
| Noninterest expense to average assets | 2.8996% | 2,294 |
| Loan and lease loss provision to assets | 0.1387% | 1,537 |
| Net operating income to assets | 2.7810% | 96 |
| Return on assets (ROA) | 2.7810% | 99 |
| Pretax return on assets | 2.7810% | 133 |
| Return on Equity (ROE) | 23.9109% | 102 |
| Retained earnings to average equity (ytd only) | 2.7536% | 3,661 |
| Net charge-offs to loans | 0.3445% | 590 |
| Credit loss provision to net charge-offs | 54.6747% | 3,084 |
| Earnings coverage of net charge-offs (x) | 11.5090% | 2,487 |
| Efficiency ratio | 49.8272% | 4,739 |
| Assets per employee ($millions) | 7.4547% | 879 |
| Cash dividends to net income (ytd only)* | 88.4838% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2946% | 1,951 |
| Loan loss allowance to noncurrent loans | 159.9312% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 1.1652% | 1,021 |
| Noncurrent loans to loans | 0.8094% | 1,890 |
| Net loans and leases to total assets | 71.3198% | 2,205 |
| Net loans and leases to deposits | 81.5207% | 2,614 |
| Net loans and leases to core deposits | 82.3502% | 3,092 |
| Total domestic deposits to total assets | 87.4868% | 1,371 |
| Equity capital to assets | 11.4081% | 2,612 |
| Core capital (leverage) ratio | 11.3754% | 2,202 |
| Tier 1 risk-based capital ratio | 14.7386% | 2,892 |
| Total risk-based capital ratio | 15.9885% | 2,815 |
| Memoranda: | ||
| Average total assets | $720,965,800 | 1,043 |
| Average earning assets | $680,573,000 | 1,025 |
| Average equity | $83,852,800 | 1,045 |
| Average total loans | $530,863,400 | 1,019 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5741% | 520 |
| Cost of funding earning assets | 0.6009% | 3,697 |
| Net interest margin | 4.9732% | 307 |
| Noninterest income to average assets | 1.1212% | 720 |
| Noninterest expense to average assets | 2.9300% | 2,165 |
| Loan and lease loss provision to assets | 0.0933% | 2,046 |
| Net operating income to assets | 2.8026% | 103 |
| Return on assets (ROA) | 2.8026% | 110 |
| Pretax return on assets | 2.8026% | 149 |
| Return on Equity (ROE) | 23.9772% | 110 |
| Retained earnings to average equity (ytd only) | 2.8468% | 3,955 |
| Net charge-offs to loans | 0.1008% | 1,464 |
| Credit loss provision to net charge-offs | 125.0000% | 1,879 |
| Earnings coverage of net charge-offs (x) | 38.8150% | 1,402 |
| Efficiency ratio | 50.2929% | 4,725 |
| Assets per employee ($millions) | 7.2760% | 918 |
| Cash dividends to net income (ytd only)* | 88.1272% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4927% | 1,265 |
| Loan loss allowance to noncurrent loans | 132.0301% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 1.4894% | 753 |
| Noncurrent loans to loans | 1.1305% | 1,405 |
| Net loans and leases to total assets | 71.6732% | 2,226 |
| Net loans and leases to deposits | 82.1044% | 2,674 |
| Net loans and leases to core deposits | 82.8937% | 3,185 |
| Total domestic deposits to total assets | 87.2951% | 1,376 |
| Equity capital to assets | 11.6221% | 2,579 |
| Core capital (leverage) ratio | 11.4635% | 2,246 |
| Tier 1 risk-based capital ratio | 14.9787% | 2,858 |
| Total risk-based capital ratio | 16.2312% | 2,788 |
| Memoranda: | ||
| Average total assets | $714,839,750 | 1,054 |
| Average earning assets | $676,251,250 | 1,033 |
| Average equity | $83,555,000 | 1,046 |
| Average total loans | $528,919,000 | 1,018 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5645% | 504 |
| Cost of funding earning assets | 0.6115% | 3,593 |
| Net interest margin | 4.9530% | 316 |
| Noninterest income to average assets | 1.1123% | 690 |
| Noninterest expense to average assets | 2.9697% | 2,085 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.8272% | 103 |
| Return on assets (ROA) | 2.8272% | 108 |
| Pretax return on assets | 2.8272% | 151 |
| Return on Equity (ROE) | 24.1410% | 114 |
| Retained earnings to average equity (ytd only) | 6.9431% | 1,833 |
| Net charge-offs to loans | 0.0420% | 2,056 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 90.4955% | 743 |
| Efficiency ratio | 51.2284% | 4,708 |
| Assets per employee ($millions) | 7.2857% | 889 |
| Cash dividends to net income (ytd only)* | 71.2394% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 1,433 |
| Loan loss allowance to noncurrent loans | 213.6389% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 1.2576% | 1,041 |
| Noncurrent loans to loans | 0.6773% | 2,279 |
| Net loans and leases to total assets | 72.6223% | 2,129 |
| Net loans and leases to deposits | 83.3695% | 2,564 |
| Net loans and leases to core deposits | 84.2057% | 3,088 |
| Total domestic deposits to total assets | 87.1091% | 1,546 |
| Equity capital to assets | 11.8529% | 2,300 |
| Core capital (leverage) ratio | 11.8924% | 1,894 |
| Tier 1 risk-based capital ratio | 15.0631% | 2,808 |
| Total risk-based capital ratio | 16.3148% | 2,732 |
| Memoranda: | ||
| Average total assets | $710,587,670 | 1,062 |
| Average earning assets | $672,084,000 | 1,040 |
| Average equity | $83,219,330 | 1,045 |
| Average total loans | $528,761,000 | 1,017 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5358% | 493 |
| Cost of funding earning assets | 0.6026% | 3,558 |
| Net interest margin | 4.9332% | 319 |
| Noninterest income to average assets | 1.0578% | 718 |
| Noninterest expense to average assets | 2.9885% | 2,024 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.7406% | 110 |
| Return on assets (ROA) | 2.7406% | 119 |
| Pretax return on assets | 2.7406% | 169 |
| Return on Equity (ROE) | 23.5472% | 131 |
| Retained earnings to average equity (ytd only) | 3.8011% | 3,401 |
| Net charge-offs to loans | 0.0812% | 1,277 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 45.1589% | 1,082 |
| Efficiency ratio | 52.1632% | 4,685 |
| Assets per employee ($millions) | 6.9812% | 1,008 |
| Cash dividends to net income (ytd only)* | 83.8576% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4687% | 1,442 |
| Loan loss allowance to noncurrent loans | 101.3968% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 1.1827% | 1,135 |
| Noncurrent loans to loans | 1.4485% | 1,116 |
| Net loans and leases to total assets | 73.9446% | 1,818 |
| Net loans and leases to deposits | 84.7928% | 2,287 |
| Net loans and leases to core deposits | 85.7387% | 2,891 |
| Total domestic deposits to total assets | 87.2062% | 1,714 |
| Equity capital to assets | 11.8371% | 2,128 |
| Core capital (leverage) ratio | 11.6072% | 2,047 |
| Tier 1 risk-based capital ratio | 15.0594% | 2,869 |
| Total risk-based capital ratio | 16.3117% | 2,779 |
| Memoranda: | ||
| Average total assets | $705,237,000 | 1,073 |
| Average earning assets | $667,804,500 | 1,050 |
| Average equity | $82,082,000 | 1,050 |
| Average total loans | $527,387,500 | 1,022 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2758% | 609 |
| Cost of funding earning assets | 0.4438% | 3,718 |
| Net interest margin | 4.8319% | 370 |
| Noninterest income to average assets | 1.1287% | 724 |
| Noninterest expense to average assets | 2.9365% | 2,227 |
| Loan and lease loss provision to assets | 0.2142% | 855 |
| Net operating income to assets | 2.5588% | 137 |
| Return on assets (ROA) | 2.5588% | 136 |
| Pretax return on assets | 2.5588% | 185 |
| Return on Equity (ROE) | 22.7539% | 136 |
| Retained earnings to average equity (ytd only) | 7.6676% | 1,390 |
| Net charge-offs to loans | 0.3699% | 518 |
| Credit loss provision to net charge-offs | 80.0000% | 2,864 |
| Earnings coverage of net charge-offs (x) | 10.3547% | 2,728 |
| Efficiency ratio | 51.4309% | 4,847 |
| Assets per employee ($millions) | 7.1235% | 926 |
| Cash dividends to net income (ytd only)* | 66.3020% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4697% | 1,382 |
| Loan loss allowance to noncurrent loans | 156.1337% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.8284% | 1,687 |
| Noncurrent loans to loans | 0.9413% | 1,710 |
| Net loans and leases to total assets | 73.4264% | 2,024 |
| Net loans and leases to deposits | 83.9852% | 2,515 |
| Net loans and leases to core deposits | 85.0953% | 2,997 |
| Total domestic deposits to total assets | 87.4277% | 1,573 |
| Equity capital to assets | 11.4447% | 2,295 |
| Core capital (leverage) ratio | 11.5362% | 2,076 |
| Tier 1 risk-based capital ratio | 14.8943% | 2,882 |
| Total risk-based capital ratio | 16.1467% | 2,812 |
| Memoranda: | ||
| Average total assets | $700,120,200 | 1,061 |
| Average earning assets | $663,752,200 | 1,035 |
| Average equity | $78,733,600 | 1,044 |
| Average total loans | $506,942,800 | 1,036 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1684% | 669 |
| Cost of funding earning assets | 0.4054% | 3,821 |
| Net interest margin | 4.7630% | 405 |
| Noninterest income to average assets | 1.0784% | 812 |
| Noninterest expense to average assets | 2.8940% | 2,320 |
| Loan and lease loss provision to assets | 0.1913% | 926 |
| Net operating income to assets | 2.5126% | 160 |
| Return on assets (ROA) | 2.5126% | 160 |
| Pretax return on assets | 2.5126% | 229 |
| Return on Equity (ROE) | 22.4440% | 152 |
| Retained earnings to average equity (ytd only) | 8.9872% | 1,222 |
| Net charge-offs to loans | 0.4972% | 317 |
| Credit loss provision to net charge-offs | 53.5332% | 2,799 |
| Earnings coverage of net charge-offs (x) | 7.5675% | 2,796 |
| Efficiency ratio | 51.6982% | 4,840 |
| Assets per employee ($millions) | 7.1293% | 890 |
| Cash dividends to net income (ytd only)* | 59.9574% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3821% | 1,776 |
| Loan loss allowance to noncurrent loans | 133.6625% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.8083% | 1,826 |
| Noncurrent loans to loans | 1.0340% | 1,653 |
| Net loans and leases to total assets | 73.9007% | 2,001 |
| Net loans and leases to deposits | 84.3866% | 2,551 |
| Net loans and leases to core deposits | 85.4373% | 3,050 |
| Total domestic deposits to total assets | 87.5740% | 1,452 |
| Equity capital to assets | 11.4051% | 2,328 |
| Core capital (leverage) ratio | 11.6304% | 2,062 |
| Tier 1 risk-based capital ratio | 14.9079% | 2,926 |
| Total risk-based capital ratio | 16.1594% | 2,840 |
| Memoranda: | ||
| Average total assets | $697,062,000 | 1,065 |
| Average earning assets | $661,409,750 | 1,038 |
| Average equity | $78,035,250 | 1,047 |
| Average total loans | $500,964,250 | 1,046 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0456% | 735 |
| Cost of funding earning assets | 0.3798% | 3,874 |
| Net interest margin | 4.6658% | 482 |
| Noninterest income to average assets | 1.0998% | 798 |
| Noninterest expense to average assets | 2.9008% | 2,354 |
| Loan and lease loss provision to assets | 0.1441% | 1,337 |
| Net operating income to assets | 2.4799% | 154 |
| Return on assets (ROA) | 2.4799% | 153 |
| Pretax return on assets | 2.4799% | 233 |
| Return on Equity (ROE) | 22.2937% | 149 |
| Retained earnings to average equity (ytd only) | 5.4860% | 2,833 |
| Net charge-offs to loans | 0.7355% | 196 |
| Credit loss provision to net charge-offs | 27.6549% | 2,640 |
| Earnings coverage of net charge-offs (x) | 5.0371% | 2,747 |
| Efficiency ratio | 52.5059% | 4,836 |
| Assets per employee ($millions) | 6.9287% | 957 |
| Cash dividends to net income (ytd only)* | 75.3921% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 1,914 |
| Loan loss allowance to noncurrent loans | 107.7478% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 0.9529% | 1,583 |
| Noncurrent loans to loans | 1.2591% | 1,360 |
| Net loans and leases to total assets | 72.8203% | 2,146 |
| Net loans and leases to deposits | 83.0105% | 2,654 |
| Net loans and leases to core deposits | 84.0765% | 3,074 |
| Total domestic deposits to total assets | 87.7242% | 1,520 |
| Equity capital to assets | 11.3173% | 2,348 |
| Core capital (leverage) ratio | 11.1349% | 2,406 |
| Tier 1 risk-based capital ratio | 14.9294% | 2,905 |
| Total risk-based capital ratio | 16.1806% | 2,830 |
| Memoranda: | ||
| Average total assets | $694,149,330 | 1,069 |
| Average earning assets | $658,318,330 | 1,046 |
| Average equity | $77,214,670 | 1,055 |
| Average total loans | $491,652,000 | 1,066 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8512% | 976 |
| Cost of funding earning assets | 0.3513% | 3,980 |
| Net interest margin | 4.5000% | 621 |
| Noninterest income to average assets | 1.0775% | 790 |
| Noninterest expense to average assets | 2.9113% | 2,322 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.4301% | 163 |
| Return on assets (ROA) | 2.4301% | 165 |
| Pretax return on assets | 2.4301% | 250 |
| Return on Equity (ROE) | 22.0344% | 165 |
| Retained earnings to average equity (ytd only) | 11.8587% | 710 |
| Net charge-offs to loans | -0.0264% | 4,684 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5045% | 4,747 |
| Assets per employee ($millions) | 7.0562% | 937 |
| Cash dividends to net income (ytd only)* | 46.1810% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6883% | 969 |
| Loan loss allowance to noncurrent loans | 103.4135% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 1.1365% | 1,357 |
| Noncurrent loans to loans | 1.6326% | 1,063 |
| Net loans and leases to total assets | 68.4371% | 2,713 |
| Net loans and leases to deposits | 77.7692% | 3,045 |
| Net loans and leases to core deposits | 80.1083% | 3,314 |
| Total domestic deposits to total assets | 88.0003% | 1,622 |
| Equity capital to assets | 11.1657% | 2,414 |
| Core capital (leverage) ratio | 11.0625% | 2,368 |
| Tier 1 risk-based capital ratio | 15.4199% | 2,690 |
| Total risk-based capital ratio | 16.6749% | 2,626 |
| Memoranda: | ||
| Average total assets | $698,253,000 | 1,066 |
| Average earning assets | $661,604,500 | 1,053 |
| Average equity | $77,007,000 | 1,066 |
| Average total loans | $484,290,500 | 1,088 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9272% | 751 |
| Cost of funding earning assets | 0.3037% | 4,106 |
| Net interest margin | 4.6235% | 476 |
| Noninterest income to average assets | 0.9033% | 1,257 |
| Noninterest expense to average assets | 2.8209% | 2,704 |
| Loan and lease loss provision to assets | 0.1496% | 1,512 |
| Net operating income to assets | 2.2977% | 161 |
| Return on assets (ROA) | 2.2977% | 161 |
| Pretax return on assets | 2.2977% | 265 |
| Return on Equity (ROE) | 21.2660% | 153 |
| Retained earnings to average equity (ytd only) | 10.5263% | 284 |
| Net charge-offs to loans | 0.1782% | 1,402 |
| Credit loss provision to net charge-offs | 117.7856% | 2,219 |
| Earnings coverage of net charge-offs (x) | 19.2627% | 2,029 |
| Efficiency ratio | 53.5451% | 4,984 |
| Assets per employee ($millions) | 6.9103% | 1,005 |
| Cash dividends to net income (ytd only)* | 50.5015% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6957% | 955 |
| Loan loss allowance to noncurrent loans | 86.9537% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 1.4286% | 981 |
| Noncurrent loans to loans | 1.9501% | 791 |
| Net loans and leases to total assets | 67.9306% | 2,829 |
| Net loans and leases to deposits | 77.0630% | 3,222 |
| Net loans and leases to core deposits | 79.9461% | 3,422 |
| Total domestic deposits to total assets | 88.1494% | 1,409 |
| Equity capital to assets | 10.8912% | 2,740 |
| Core capital (leverage) ratio | 10.8493% | 2,473 |
| Tier 1 risk-based capital ratio | 15.5364% | 2,611 |
| Total risk-based capital ratio | 16.7922% | 2,546 |
| Memoranda: | ||
| Average total assets | $668,229,800 | 1,095 |
| Average earning assets | $630,864,200 | 1,071 |
| Average equity | $72,199,800 | 1,100 |
| Average total loans | $476,418,800 | 1,074 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9646% | 660 |
| Cost of funding earning assets | 0.2993% | 4,139 |
| Net interest margin | 4.6653% | 436 |
| Noninterest income to average assets | 0.9877% | 1,056 |
| Noninterest expense to average assets | 2.9343% | 2,297 |
| Loan and lease loss provision to assets | 0.2018% | 940 |
| Net operating income to assets | 2.2606% | 188 |
| Return on assets (ROA) | 2.2606% | 187 |
| Pretax return on assets | 2.2606% | 313 |
| Return on Equity (ROE) | 20.9671% | 175 |
| Retained earnings to average equity (ytd only) | 10.1972% | 541 |
| Net charge-offs to loans | 0.2263% | 957 |
| Credit loss provision to net charge-offs | 124.0695% | 1,955 |
| Earnings coverage of net charge-offs (x) | 15.1414% | 2,251 |
| Efficiency ratio | 54.3725% | 4,908 |
| Assets per employee ($millions) | 6.8322% | 1,014 |
| Cash dividends to net income (ytd only)* | 51.3656% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6542% | 1,120 |
| Loan loss allowance to noncurrent loans | 92.4435% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 1.3985% | 1,117 |
| Noncurrent loans to loans | 1.7894% | 1,005 |
| Net loans and leases to total assets | 72.2614% | 2,218 |
| Net loans and leases to deposits | 81.9968% | 2,775 |
| Net loans and leases to core deposits | 84.8987% | 3,053 |
| Total domestic deposits to total assets | 88.1270% | 1,300 |
| Equity capital to assets | 10.9837% | 2,879 |
| Core capital (leverage) ratio | 10.8096% | 2,635 |
| Tier 1 risk-based capital ratio | 14.6585% | 3,095 |
| Total risk-based capital ratio | 15.9138% | 3,010 |
| Memoranda: | ||
| Average total assets | $660,802,500 | 1,107 |
| Average earning assets | $624,512,500 | 1,086 |
| Average equity | $71,246,250 | 1,123 |
| Average total loans | $474,950,500 | 1,080 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9349% | 644 |
| Cost of funding earning assets | 0.2919% | 4,162 |
| Net interest margin | 4.6430% | 439 |
| Noninterest income to average assets | 0.9567% | 1,120 |
| Noninterest expense to average assets | 2.9505% | 2,266 |
| Loan and lease loss provision to assets | 0.2288% | 756 |
| Net operating income to assets | 2.1592% | 230 |
| Return on assets (ROA) | 2.1592% | 236 |
| Pretax return on assets | 2.1592% | 387 |
| Return on Equity (ROE) | 20.1563% | 212 |
| Retained earnings to average equity (ytd only) | 7.9538% | 1,185 |
| Net charge-offs to loans | 0.3358% | 601 |
| Credit loss provision to net charge-offs | 95.5414% | 2,089 |
| Earnings coverage of net charge-offs (x) | 9.9720% | 2,385 |
| Efficiency ratio | 55.2686% | 4,899 |
| Assets per employee ($millions) | 6.5929% | 1,102 |
| Cash dividends to net income (ytd only)* | 60.5397% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6334% | 1,190 |
| Loan loss allowance to noncurrent loans | 109.9161% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 1.1769% | 1,449 |
| Noncurrent loans to loans | 1.4860% | 1,268 |
| Net loans and leases to total assets | 72.2794% | 2,153 |
| Net loans and leases to deposits | 81.7914% | 2,720 |
| Net loans and leases to core deposits | 84.4229% | 3,022 |
| Total domestic deposits to total assets | 88.3703% | 1,267 |
| Equity capital to assets | 10.7698% | 3,060 |
| Core capital (leverage) ratio | 10.6377% | 2,769 |
| Tier 1 risk-based capital ratio | 14.0643% | 3,400 |
| Total risk-based capital ratio | 15.3188% | 3,316 |
| Memoranda: | ||
| Average total assets | $655,608,330 | 1,113 |
| Average earning assets | $618,737,000 | 1,092 |
| Average equity | $70,231,000 | 1,138 |
| Average total loans | $467,605,330 | 1,098 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7403% | 863 |
| Cost of funding earning assets | 0.2824% | 4,231 |
| Net interest margin | 4.4579% | 563 |
| Noninterest income to average assets | 0.9163% | 1,192 |
| Noninterest expense to average assets | 3.0476% | 2,023 |
| Loan and lease loss provision to assets | 0.3075% | 422 |
| Net operating income to assets | 1.7741% | 471 |
| Return on assets (ROA) | 1.7741% | 483 |
| Pretax return on assets | 1.7741% | 851 |
| Return on Equity (ROE) | 16.6068% | 452 |
| Retained earnings to average equity (ytd only) | 8.3811% | 1,315 |
| Net charge-offs to loans | 0.7207% | 242 |
| Credit loss provision to net charge-offs | 60.7533% | 1,901 |
| Earnings coverage of net charge-offs (x) | 4.1130% | 2,416 |
| Efficiency ratio | 59.4173% | 4,541 |
| Assets per employee ($millions) | 6.2236% | 1,355 |
| Cash dividends to net income (ytd only)* | 49.5321% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6800% | 1,183 |
| Loan loss allowance to noncurrent loans | 119.2016% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 1.0756% | 1,667 |
| Noncurrent loans to loans | 1.4094% | 1,437 |
| Net loans and leases to total assets | 68.9948% | 2,530 |
| Net loans and leases to deposits | 77.9852% | 2,967 |
| Net loans and leases to core deposits | 80.2925% | 3,266 |
| Total domestic deposits to total assets | 88.4717% | 1,442 |
| Equity capital to assets | 10.7496% | 2,908 |
| Core capital (leverage) ratio | 10.6403% | 2,753 |
| Tier 1 risk-based capital ratio | 14.7687% | 3,087 |
| Total risk-based capital ratio | 16.0240% | 3,002 |
| Memoranda: | ||
| Average total assets | $650,471,000 | 1,124 |
| Average earning assets | $614,728,500 | 1,103 |
| Average equity | $69,489,500 | 1,142 |
| Average total loans | $456,764,000 | 1,112 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0374% | 558 |
| Cost of funding earning assets | 0.2255% | 4,780 |
| Net interest margin | 4.8119% | 344 |
| Noninterest income to average assets | 1.1979% | 793 |
| Noninterest expense to average assets | 3.0805% | 2,095 |
| Loan and lease loss provision to assets | 0.0801% | 2,761 |
| Net operating income to assets | 2.5781% | 133 |
| Return on assets (ROA) | 2.5781% | 135 |
| Pretax return on assets | 2.5781% | 180 |
| Return on Equity (ROE) | 24.0072% | 94 |
| Retained earnings to average equity (ytd only) | 7.6630% | 973 |
| Net charge-offs to loans | -0.0848% | 5,535 |
| Credit loss provision to net charge-offs | -126.9036% | 4,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6798% | 5,266 |
| Assets per employee ($millions) | 6.0511% | 1,441 |
| Cash dividends to net income (ytd only)* | 68.0805% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7643% | 1,011 |
| Loan loss allowance to noncurrent loans | 112.4230% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 1.1259% | 1,648 |
| Noncurrent loans to loans | 1.5694% | 1,260 |
| Net loans and leases to total assets | 69.0280% | 2,617 |
| Net loans and leases to deposits | 78.0441% | 3,096 |
| Net loans and leases to core deposits | 78.9069% | 3,488 |
| Total domestic deposits to total assets | 88.4474% | 1,408 |
| Equity capital to assets | 10.6157% | 3,020 |
| Core capital (leverage) ratio | 10.6395% | 2,731 |
| Tier 1 risk-based capital ratio | 14.4290% | 3,224 |
| Total risk-based capital ratio | 15.6849% | 3,154 |
| Memoranda: | ||
| Average total assets | $624,606,000 | 1,126 |
| Average earning assets | $589,414,200 | 1,102 |
| Average equity | $67,075,800 | 1,165 |
| Average total loans | $464,576,400 | 1,046 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1268% | 471 |
| Cost of funding earning assets | 0.2198% | 4,882 |
| Net interest margin | 4.9070% | 298 |
| Noninterest income to average assets | 1.2344% | 761 |
| Noninterest expense to average assets | 3.0867% | 2,063 |
| Loan and lease loss provision to assets | 0.0646% | 2,939 |
| Net operating income to assets | 2.7145% | 118 |
| Return on assets (ROA) | 2.7145% | 120 |
| Pretax return on assets | 2.7145% | 162 |
| Return on Equity (ROE) | 25.2013% | 80 |
| Retained earnings to average equity (ytd only) | 6.2743% | 2,023 |
| Net charge-offs to loans | -0.1408% | 5,677 |
| Credit loss provision to net charge-offs | -60.8519% | 4,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6223% | 5,340 |
| Assets per employee ($millions) | 5.8234% | 1,560 |
| Cash dividends to net income (ytd only)* | 75.1032% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7061% | 1,208 |
| Loan loss allowance to noncurrent loans | 402.5394% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.3452% | 4,027 |
| Noncurrent loans to loans | 0.4238% | 3,764 |
| Net loans and leases to total assets | 73.2830% | 1,984 |
| Net loans and leases to deposits | 83.0321% | 2,597 |
| Net loans and leases to core deposits | 84.2040% | 3,105 |
| Total domestic deposits to total assets | 88.2586% | 1,259 |
| Equity capital to assets | 10.8603% | 3,189 |
| Core capital (leverage) ratio | 10.2421% | 3,290 |
| Tier 1 risk-based capital ratio | 13.7580% | 3,692 |
| Total risk-based capital ratio | 15.0134% | 3,616 |
| Memoranda: | ||
| Average total assets | $618,891,250 | 1,135 |
| Average earning assets | $584,125,750 | 1,111 |
| Average equity | $66,661,500 | 1,187 |
| Average total loans | $466,980,750 | 1,036 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1012% | 492 |
| Cost of funding earning assets | 0.2094% | 5,050 |
| Net interest margin | 4.8918% | 322 |
| Noninterest income to average assets | 1.0180% | 1,077 |
| Noninterest expense to average assets | 3.0725% | 2,132 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.5614% | 141 |
| Return on assets (ROA) | 2.5614% | 141 |
| Pretax return on assets | 2.5614% | 203 |
| Return on Equity (ROE) | 23.8462% | 111 |
| Retained earnings to average equity (ytd only) | 10.0234% | 595 |
| Net charge-offs to loans | 0.0056% | 3,505 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 608.3077% | 104 |
| Efficiency ratio | 54.5360% | 5,270 |
| Assets per employee ($millions) | 5.9014% | 1,478 |
| Cash dividends to net income (ytd only)* | 57.9666% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5159% | 1,801 |
| Loan loss allowance to noncurrent loans | 1,153.9708% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.1571% | 4,883 |
| Noncurrent loans to loans | 0.1314% | 4,913 |
| Net loans and leases to total assets | 72.5784% | 2,075 |
| Net loans and leases to deposits | 82.0516% | 2,709 |
| Net loans and leases to core deposits | 83.1817% | 3,149 |
| Total domestic deposits to total assets | 88.4546% | 1,192 |
| Equity capital to assets | 10.6604% | 3,456 |
| Core capital (leverage) ratio | 10.5740% | 2,880 |
| Tier 1 risk-based capital ratio | 13.5366% | 3,874 |
| Total risk-based capital ratio | 14.7895% | 3,787 |
| Memoranda: | ||
| Average total assets | $617,486,670 | 1,144 |
| Average earning assets | $582,643,670 | 1,121 |
| Average equity | $66,325,000 | 1,184 |
| Average total loans | $467,789,000 | 1,026 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1253% | 473 |
| Cost of funding earning assets | 0.2073% | 5,132 |
| Net interest margin | 4.9180% | 303 |
| Noninterest income to average assets | 1.0521% | 978 |
| Noninterest expense to average assets | 3.2195% | 1,793 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.4709% | 162 |
| Return on assets (ROA) | 2.4709% | 168 |
| Pretax return on assets | 2.4709% | 249 |
| Return on Equity (ROE) | 22.9137% | 128 |
| Retained earnings to average equity (ytd only) | 13.8593% | 328 |
| Net charge-offs to loans | 0.0137% | 2,669 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 234.5625% | 267 |
| Efficiency ratio | 56.5776% | 5,138 |
| Assets per employee ($millions) | 5.6403% | 1,716 |
| Cash dividends to net income (ytd only)* | 39.5151% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5097% | 1,940 |
| Loan loss allowance to noncurrent loans | 516.0986% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.2264% | 4,652 |
| Noncurrent loans to loans | 0.2925% | 4,380 |
| Net loans and leases to total assets | 76.2217% | 1,362 |
| Net loans and leases to deposits | 86.3897% | 2,025 |
| Net loans and leases to core deposits | 88.1877% | 2,545 |
| Total domestic deposits to total assets | 88.2301% | 1,515 |
| Equity capital to assets | 10.9612% | 2,984 |
| Core capital (leverage) ratio | 10.6324% | 2,815 |
| Tier 1 risk-based capital ratio | 13.0748% | 4,216 |
| Total risk-based capital ratio | 14.3273% | 4,133 |
| Memoranda: | ||
| Average total assets | $607,554,500 | 1,161 |
| Average earning assets | $573,002,500 | 1,135 |
| Average equity | $65,515,500 | 1,191 |
| Average total loans | $466,834,000 | 1,029 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9636% | 676 |
| Cost of funding earning assets | 0.1396% | 5,754 |
| Net interest margin | 4.8240% | 351 |
| Noninterest income to average assets | 1.2004% | 832 |
| Noninterest expense to average assets | 3.1338% | 2,137 |
| Loan and lease loss provision to assets | 0.5911% | 183 |
| Net operating income to assets | 2.0197% | 332 |
| Return on assets (ROA) | 2.0197% | 344 |
| Pretax return on assets | 2.0197% | 520 |
| Return on Equity (ROE) | 19.9912% | 255 |
| Retained earnings to average equity (ytd only) | 9.1708% | 619 |
| Net charge-offs to loans | 0.5676% | 431 |
| Credit loss provision to net charge-offs | 141.5094% | 1,858 |
| Earnings coverage of net charge-offs (x) | 6.2504% | 3,256 |
| Efficiency ratio | 54.5517% | 5,486 |
| Assets per employee ($millions) | 5.5592% | 1,729 |
| Cash dividends to net income (ytd only)* | 54.1257% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5431% | 1,824 |
| Loan loss allowance to noncurrent loans | 276.3657% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.4259% | 3,904 |
| Noncurrent loans to loans | 0.5584% | 3,496 |
| Net loans and leases to total assets | 75.1063% | 1,553 |
| Net loans and leases to deposits | 84.8457% | 2,262 |
| Net loans and leases to core deposits | 86.4991% | 2,760 |
| Total domestic deposits to total assets | 88.5211% | 1,371 |
| Equity capital to assets | 10.6048% | 3,241 |
| Core capital (leverage) ratio | 10.3301% | 3,126 |
| Tier 1 risk-based capital ratio | 12.8515% | 4,417 |
| Total risk-based capital ratio | 14.1045% | 4,312 |
| Memoranda: | ||
| Average total assets | $609,046,400 | 1,119 |
| Average earning assets | $573,715,000 | 1,084 |
| Average equity | $61,532,000 | 1,226 |
| Average total loans | $448,189,200 | 1,027 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9496% | 687 |
| Cost of funding earning assets | 0.1390% | 5,858 |
| Net interest margin | 4.8105% | 369 |
| Noninterest income to average assets | 1.2244% | 802 |
| Noninterest expense to average assets | 3.2463% | 1,835 |
| Loan and lease loss provision to assets | 0.4646% | 228 |
| Net operating income to assets | 2.0445% | 339 |
| Return on assets (ROA) | 2.0445% | 354 |
| Pretax return on assets | 2.0445% | 553 |
| Return on Equity (ROE) | 20.4892% | 245 |
| Retained earnings to average equity (ytd only) | 9.1874% | 838 |
| Net charge-offs to loans | 0.6929% | 309 |
| Credit loss provision to net charge-offs | 91.9515% | 2,442 |
| Earnings coverage of net charge-offs (x) | 4.9658% | 3,270 |
| Efficiency ratio | 56.4048% | 5,296 |
| Assets per employee ($millions) | 5.5631% | 1,720 |
| Cash dividends to net income (ytd only)* | 55.1599% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2975% | 3,110 |
| Loan loss allowance to noncurrent loans | 277.7463% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.3607% | 4,331 |
| Noncurrent loans to loans | 0.4671% | 3,953 |
| Net loans and leases to total assets | 74.5891% | 1,627 |
| Net loans and leases to deposits | 84.1366% | 2,393 |
| Net loans and leases to core deposits | 85.9270% | 2,857 |
| Total domestic deposits to total assets | 88.6523% | 1,205 |
| Equity capital to assets | 10.5148% | 3,586 |
| Core capital (leverage) ratio | 10.0662% | 3,542 |
| Tier 1 risk-based capital ratio | 12.7127% | 4,606 |
| Total risk-based capital ratio | 13.9628% | 4,513 |
| Memoranda: | ||
| Average total assets | $609,819,750 | 1,122 |
| Average earning assets | $574,392,250 | 1,092 |
| Average equity | $60,850,000 | 1,254 |
| Average total loans | $444,676,000 | 1,036 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8752% | 773 |
| Cost of funding earning assets | 0.1400% | 5,918 |
| Net interest margin | 4.7352% | 413 |
| Noninterest income to average assets | 1.0613% | 1,057 |
| Noninterest expense to average assets | 3.1171% | 2,193 |
| Loan and lease loss provision to assets | 0.5711% | 162 |
| Net operating income to assets | 1.8312% | 485 |
| Return on assets (ROA) | 1.8312% | 508 |
| Pretax return on assets | 1.8312% | 846 |
| Return on Equity (ROE) | 18.6800% | 362 |
| Retained earnings to average equity (ytd only) | 5.7395% | 2,390 |
| Net charge-offs to loans | 0.8873% | 231 |
| Credit loss provision to net charge-offs | 89.3313% | 2,207 |
| Earnings coverage of net charge-offs (x) | 3.7575% | 3,141 |
| Efficiency ratio | 56.4747% | 5,382 |
| Assets per employee ($millions) | 5.6124% | 1,645 |
| Cash dividends to net income (ytd only)* | 69.2746% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2670% | 3,413 |
| Loan loss allowance to noncurrent loans | 207.6433% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.4706% | 4,050 |
| Noncurrent loans to loans | 0.6102% | 3,645 |
| Net loans and leases to total assets | 76.1435% | 1,343 |
| Net loans and leases to deposits | 85.4546% | 2,114 |
| Net loans and leases to core deposits | 87.2094% | 2,638 |
| Total domestic deposits to total assets | 89.1040% | 1,097 |
| Equity capital to assets | 10.0824% | 3,944 |
| Core capital (leverage) ratio | 9.5325% | 4,242 |
| Tier 1 risk-based capital ratio | 12.0594% | 5,102 |
| Total risk-based capital ratio | 13.2930% | 5,019 |
| Memoranda: | ||
| Average total assets | $612,819,670 | 1,127 |
| Average earning assets | $576,955,330 | 1,094 |
| Average equity | $60,075,000 | 1,279 |
| Average total loans | $441,555,670 | 1,045 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7274% | 989 |
| Cost of funding earning assets | 0.1407% | 5,992 |
| Net interest margin | 4.5867% | 517 |
| Noninterest income to average assets | 0.9836% | 1,155 |
| Noninterest expense to average assets | 3.1504% | 2,131 |
| Loan and lease loss provision to assets | 0.2423% | 693 |
| Net operating income to assets | 1.9090% | 399 |
| Return on assets (ROA) | 1.9090% | 427 |
| Pretax return on assets | 1.9090% | 705 |
| Return on Equity (ROE) | 19.7463% | 275 |
| Retained earnings to average equity (ytd only) | 10.7087% | 773 |
| Net charge-offs to loans | 0.0009% | 3,277 |
| Credit loss provision to net charge-offs | 37,500.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 3,329.0000% | 7 |
| Efficiency ratio | 59.4222% | 5,166 |
| Assets per employee ($millions) | 5.6958% | 1,632 |
| Cash dividends to net income (ytd only)* | 45.7684% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4717% | 2,572 |
| Loan loss allowance to noncurrent loans | 127.8945% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.8124% | 3,072 |
| Noncurrent loans to loans | 1.1507% | 2,468 |
| Net loans and leases to total assets | 69.5663% | 2,197 |
| Net loans and leases to deposits | 77.6951% | 2,846 |
| Net loans and leases to core deposits | 79.2764% | 3,254 |
| Total domestic deposits to total assets | 89.5376% | 975 |
| Equity capital to assets | 9.7835% | 4,404 |
| Core capital (leverage) ratio | 9.5211% | 4,240 |
| Tier 1 risk-based capital ratio | 13.0198% | 4,593 |
| Total risk-based capital ratio | 14.2721% | 4,504 |
| Memoranda: | ||
| Average total assets | $618,968,000 | 1,121 |
| Average earning assets | $582,727,000 | 1,088 |
| Average equity | $59,839,000 | 1,283 |
| Average total loans | $430,770,000 | 1,067 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9174% | 898 |
| Cost of funding earning assets | 0.1551% | 6,069 |
| Net interest margin | 4.7623% | 465 |
| Noninterest income to average assets | 1.1758% | 872 |
| Noninterest expense to average assets | 3.3811% | 1,738 |
| Loan and lease loss provision to assets | 0.2893% | 721 |
| Net operating income to assets | 1.9741% | 344 |
| Return on assets (ROA) | 1.9811% | 347 |
| Pretax return on assets | 1.9811% | 530 |
| Return on Equity (ROE) | 20.0990% | 247 |
| Retained earnings to average equity (ytd only) | 9.0758% | 690 |
| Net charge-offs to loans | 0.2695% | 1,603 |
| Credit loss provision to net charge-offs | 156.2500% | 1,552 |
| Earnings coverage of net charge-offs (x) | 12.2263% | 2,402 |
| Efficiency ratio | 59.9012% | 5,237 |
| Assets per employee ($millions) | 5.6614% | 1,640 |
| Cash dividends to net income (ytd only)* | 54.8447% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4360% | 2,770 |
| Loan loss allowance to noncurrent loans | 97.2164% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 1.0371% | 2,670 |
| Noncurrent loans to loans | 1.4771% | 1,986 |
| Net loans and leases to total assets | 67.5935% | 2,627 |
| Net loans and leases to deposits | 75.3529% | 3,273 |
| Net loans and leases to core deposits | 76.9814% | 3,611 |
| Total domestic deposits to total assets | 89.7026% | 872 |
| Equity capital to assets | 9.5509% | 4,657 |
| Core capital (leverage) ratio | 9.4908% | 4,253 |
| Tier 1 risk-based capital ratio | 13.3401% | 4,520 |
| Total risk-based capital ratio | 14.5926% | 4,443 |
| Memoranda: | ||
| Average total assets | $570,429,200 | 1,159 |
| Average earning assets | $535,267,000 | 1,130 |
| Average equity | $56,226,600 | 1,300 |
| Average total loans | $391,896,800 | 1,128 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9813% | 795 |
| Cost of funding earning assets | 0.1556% | 6,152 |
| Net interest margin | 4.8257% | 406 |
| Noninterest income to average assets | 1.2103% | 829 |
| Noninterest expense to average assets | 3.4540% | 1,558 |
| Loan and lease loss provision to assets | 0.2386% | 922 |
| Net operating income to assets | 2.0397% | 320 |
| Return on assets (ROA) | 2.0449% | 331 |
| Pretax return on assets | 2.0449% | 518 |
| Return on Equity (ROE) | 20.5700% | 245 |
| Retained earnings to average equity (ytd only) | 9.2961% | 898 |
| Net charge-offs to loans | 0.0514% | 3,476 |
| Credit loss provision to net charge-offs | 675.6757% | 444 |
| Earnings coverage of net charge-offs (x) | 64.5130% | 820 |
| Efficiency ratio | 60.2548% | 5,144 |
| Assets per employee ($millions) | 4.9339% | 2,325 |
| Cash dividends to net income (ytd only)* | 54.8075% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5511% | 2,498 |
| Loan loss allowance to noncurrent loans | 87.8397% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 1.2601% | 2,445 |
| Noncurrent loans to loans | 1.7658% | 1,840 |
| Net loans and leases to total assets | 70.2550% | 2,154 |
| Net loans and leases to deposits | 78.7797% | 2,867 |
| Net loans and leases to core deposits | 80.9573% | 3,201 |
| Total domestic deposits to total assets | 89.1790% | 1,138 |
| Equity capital to assets | 10.0508% | 4,104 |
| Core capital (leverage) ratio | 9.8596% | 3,863 |
| Tier 1 risk-based capital ratio | 13.5288% | 4,519 |
| Total risk-based capital ratio | 14.7828% | 4,461 |
| Memoranda: | ||
| Average total assets | $558,762,750 | 1,198 |
| Average earning assets | $523,601,000 | 1,171 |
| Average equity | $55,548,750 | 1,316 |
| Average total loans | $384,072,750 | 1,156 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9258% | 868 |
| Cost of funding earning assets | 0.1568% | 6,226 |
| Net interest margin | 4.7689% | 436 |
| Noninterest income to average assets | 1.0100% | 1,174 |
| Noninterest expense to average assets | 3.3155% | 1,881 |
| Loan and lease loss provision to assets | 0.0902% | 2,523 |
| Net operating income to assets | 2.0709% | 290 |
| Return on assets (ROA) | 2.0789% | 298 |
| Pretax return on assets | 2.0789% | 456 |
| Return on Equity (ROE) | 20.9909% | 241 |
| Retained earnings to average equity (ytd only) | 8.8030% | 1,048 |
| Net charge-offs to loans | 0.0739% | 2,960 |
| Credit loss provision to net charge-offs | 179.8561% | 1,269 |
| Earnings coverage of net charge-offs (x) | 43.0863% | 1,002 |
| Efficiency ratio | 60.5390% | 5,216 |
| Assets per employee ($millions) | 4.9229% | 2,311 |
| Cash dividends to net income (ytd only)* | 58.0628% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4003% | 3,347 |
| Loan loss allowance to noncurrent loans | 87.6116% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 1.1478% | 2,783 |
| Noncurrent loans to loans | 1.5984% | 2,173 |
| Net loans and leases to total assets | 70.8047% | 1,947 |
| Net loans and leases to deposits | 79.4144% | 2,595 |
| Net loans and leases to core deposits | 82.0260% | 2,969 |
| Total domestic deposits to total assets | 89.1585% | 1,272 |
| Equity capital to assets | 10.1133% | 3,952 |
| Core capital (leverage) ratio | 9.6952% | 4,052 |
| Tier 1 risk-based capital ratio | 13.6046% | 4,523 |
| Total risk-based capital ratio | 14.8570% | 4,458 |
| Memoranda: | ||
| Average total assets | $554,239,000 | 1,205 |
| Average earning assets | $519,108,670 | 1,176 |
| Average equity | $54,890,330 | 1,322 |
| Average total loans | $375,954,330 | 1,176 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7967% | 1,052 |
| Cost of funding earning assets | 0.1560% | 6,323 |
| Net interest margin | 4.6407% | 521 |
| Noninterest income to average assets | 0.8792% | 1,455 |
| Noninterest expense to average assets | 3.3311% | 1,872 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8937% | 396 |
| Return on assets (ROA) | 1.9096% | 406 |
| Pretax return on assets | 1.9096% | 638 |
| Return on Equity (ROE) | 19.4886% | 329 |
| Retained earnings to average equity (ytd only) | 10.7294% | 795 |
| Net charge-offs to loans | 0.1131% | 2,045 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 25.4272% | 1,155 |
| Efficiency ratio | 63.7559% | 4,898 |
| Assets per employee ($millions) | 4.8489% | 2,444 |
| Cash dividends to net income (ytd only)* | 44.9451% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 3,510 |
| Loan loss allowance to noncurrent loans | 265.0246% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.3807% | 5,019 |
| Noncurrent loans to loans | 0.5349% | 4,569 |
| Net loans and leases to total assets | 65.9476% | 2,574 |
| Net loans and leases to deposits | 73.5406% | 3,124 |
| Net loans and leases to core deposits | 75.8787% | 3,421 |
| Total domestic deposits to total assets | 89.6751% | 1,257 |
| Equity capital to assets | 9.7381% | 4,183 |
| Core capital (leverage) ratio | 9.6091% | 4,119 |
| Tier 1 risk-based capital ratio | 14.1879% | 4,199 |
| Total risk-based capital ratio | 15.4406% | 4,145 |
| Memoranda: | ||
| Average total assets | $553,214,500 | 1,213 |
| Average earning assets | $518,027,500 | 1,184 |
| Average equity | $54,206,000 | 1,337 |
| Average total loans | $364,195,500 | 1,214 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9089% | 1,080 |
| Cost of funding earning assets | 0.1593% | 6,501 |
| Net interest margin | 4.7495% | 476 |
| Noninterest income to average assets | 0.9665% | 1,472 |
| Noninterest expense to average assets | 3.3031% | 2,142 |
| Loan and lease loss provision to assets | 0.0979% | 3,166 |
| Net operating income to assets | 2.0054% | 339 |
| Return on assets (ROA) | 2.0131% | 332 |
| Pretax return on assets | 2.0131% | 460 |
| Return on Equity (ROE) | 19.8911% | 281 |
| Retained earnings to average equity (ytd only) | 9.7666% | 602 |
| Net charge-offs to loans | -0.0333% | 6,246 |
| Credit loss provision to net charge-offs | -446.4286% | 6,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0962% | 5,346 |
| Assets per employee ($millions) | 4.6077% | 2,707 |
| Cash dividends to net income (ytd only)* | 50.8994% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5716% | 2,877 |
| Loan loss allowance to noncurrent loans | 348.3482% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.3701% | 5,142 |
| Noncurrent loans to loans | 0.4512% | 4,868 |
| Net loans and leases to total assets | 63.6965% | 3,095 |
| Net loans and leases to deposits | 71.1952% | 3,630 |
| Net loans and leases to core deposits | 73.3844% | 3,912 |
| Total domestic deposits to total assets | 89.4675% | 1,351 |
| Equity capital to assets | 9.8618% | 3,952 |
| Core capital (leverage) ratio | 10.0182% | 3,538 |
| Tier 1 risk-based capital ratio | 14.9603% | 3,690 |
| Total risk-based capital ratio | 16.2147% | 3,631 |
| Memoranda: | ||
| Average total assets | $510,910,800 | 1,299 |
| Average earning assets | $477,603,200 | 1,277 |
| Average equity | $51,706,600 | 1,378 |
| Average total loans | $336,063,600 | 1,269 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9641% | 1,007 |
| Cost of funding earning assets | 0.1601% | 6,596 |
| Net interest margin | 4.8040% | 427 |
| Noninterest income to average assets | 0.9913% | 1,480 |
| Noninterest expense to average assets | 3.3283% | 2,006 |
| Loan and lease loss provision to assets | 0.0331% | 4,358 |
| Net operating income to assets | 2.1241% | 294 |
| Return on assets (ROA) | 2.1344% | 301 |
| Pretax return on assets | 2.1344% | 445 |
| Return on Equity (ROE) | 20.9466% | 244 |
| Retained earnings to average equity (ytd only) | 11.2472% | 532 |
| Net charge-offs to loans | -0.0024% | 5,699 |
| Credit loss provision to net charge-offs | -2,083.3333% | 6,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6753% | 5,331 |
| Assets per employee ($millions) | 4.7378% | 2,528 |
| Cash dividends to net income (ytd only)* | 46.3055% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4927% | 3,490 |
| Loan loss allowance to noncurrent loans | 148.4714% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.7339% | 4,274 |
| Noncurrent loans to loans | 1.0054% | 3,795 |
| Net loans and leases to total assets | 63.9224% | 3,012 |
| Net loans and leases to deposits | 71.7138% | 3,547 |
| Net loans and leases to core deposits | 74.5399% | 3,783 |
| Total domestic deposits to total assets | 89.1355% | 1,491 |
| Equity capital to assets | 10.2160% | 3,618 |
| Core capital (leverage) ratio | 10.1014% | 3,518 |
| Tier 1 risk-based capital ratio | 15.6377% | 3,378 |
| Total risk-based capital ratio | 16.8917% | 3,339 |
| Memoranda: | ||
| Average total assets | $503,862,750 | 1,331 |
| Average earning assets | $471,371,000 | 1,299 |
| Average equity | $51,342,000 | 1,394 |
| Average total loans | $332,861,250 | 1,284 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9769% | 943 |
| Cost of funding earning assets | 0.1603% | 6,669 |
| Net interest margin | 4.8166% | 422 |
| Noninterest income to average assets | 0.9638% | 1,620 |
| Noninterest expense to average assets | 3.2929% | 2,090 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.1798% | 272 |
| Return on assets (ROA) | 2.1798% | 290 |
| Pretax return on assets | 2.1798% | 437 |
| Return on Equity (ROE) | 21.4113% | 227 |
| Retained earnings to average equity (ytd only) | 11.0202% | 640 |
| Net charge-offs to loans | 0.0223% | 4,391 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 147.1892% | 337 |
| Efficiency ratio | 60.1697% | 5,464 |
| Assets per employee ($millions) | 4.7509% | 2,448 |
| Cash dividends to net income (ytd only)* | 48.5310% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4524% | 3,802 |
| Loan loss allowance to noncurrent loans | 416.9974% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.2949% | 5,583 |
| Noncurrent loans to loans | 0.3483% | 5,421 |
| Net loans and leases to total assets | 65.7371% | 2,631 |
| Net loans and leases to deposits | 73.7989% | 3,188 |
| Net loans and leases to core deposits | 76.9897% | 3,426 |
| Total domestic deposits to total assets | 89.0761% | 1,588 |
| Equity capital to assets | 10.2997% | 3,546 |
| Core capital (leverage) ratio | 9.9963% | 3,528 |
| Tier 1 risk-based capital ratio | 15.3871% | 3,540 |
| Total risk-based capital ratio | 16.6404% | 3,501 |
| Memoranda: | ||
| Average total assets | $499,678,670 | 1,337 |
| Average earning assets | $467,757,670 | 1,306 |
| Average equity | $50,870,330 | 1,407 |
| Average total loans | $332,112,670 | 1,281 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9747% | 943 |
| Cost of funding earning assets | 0.1588% | 6,773 |
| Net interest margin | 4.8159% | 392 |
| Noninterest income to average assets | 0.9318% | 1,652 |
| Noninterest expense to average assets | 3.2722% | 2,154 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.1716% | 255 |
| Return on assets (ROA) | 2.1716% | 280 |
| Pretax return on assets | 2.1716% | 439 |
| Return on Equity (ROE) | 21.4559% | 221 |
| Retained earnings to average equity (ytd only) | 14.8018% | 368 |
| Net charge-offs to loans | 0.2966% | 1,780 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 11.0366% | 1,685 |
| Efficiency ratio | 60.1087% | 5,576 |
| Assets per employee ($millions) | 4.6633% | 2,714 |
| Cash dividends to net income (ytd only)* | 31.0129% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 4,231 |
| Loan loss allowance to noncurrent loans | 237.6156% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.4248% | 5,334 |
| Noncurrent loans to loans | 0.5892% | 4,965 |
| Net loans and leases to total assets | 65.8842% | 2,384 |
| Net loans and leases to deposits | 73.9540% | 2,926 |
| Net loans and leases to core deposits | 76.4975% | 3,257 |
| Total domestic deposits to total assets | 89.0881% | 1,632 |
| Equity capital to assets | 10.4158% | 3,649 |
| Core capital (leverage) ratio | 9.6972% | 3,797 |
| Tier 1 risk-based capital ratio | 15.0846% | 3,782 |
| Total risk-based capital ratio | 16.3371% | 3,737 |
| Memoranda: | ||
| Average total assets | $500,093,500 | 1,348 |
| Average earning assets | $468,533,000 | 1,317 |
| Average equity | $50,615,500 | 1,435 |
| Average total loans | $331,788,000 | 1,281 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2779% | 970 |
| Cost of funding earning assets | 0.2141% | 6,795 |
| Net interest margin | 5.0638% | 341 |
| Noninterest income to average assets | 1.0366% | 1,444 |
| Noninterest expense to average assets | 3.3713% | 2,126 |
| Loan and lease loss provision to assets | 0.2537% | 2,622 |
| Net operating income to assets | 2.1267% | 292 |
| Return on assets (ROA) | 2.1267% | 319 |
| Pretax return on assets | 2.1267% | 471 |
| Return on Equity (ROE) | 21.5798% | 234 |
| Retained earnings to average equity (ytd only) | 13.0951% | 248 |
| Net charge-offs to loans | 0.3680% | 2,789 |
| Credit loss provision to net charge-offs | 104.4386% | 2,859 |
| Earnings coverage of net charge-offs (x) | 9.7990% | 2,220 |
| Efficiency ratio | 58.6142% | 5,749 |
| Assets per employee ($millions) | 4.8643% | 2,399 |
| Cash dividends to net income (ytd only)* | 39.3180% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4612% | 3,890 |
| Loan loss allowance to noncurrent loans | 231.4639% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.5080% | 5,201 |
| Noncurrent loans to loans | 0.6313% | 4,946 |
| Net loans and leases to total assets | 64.9189% | 2,737 |
| Net loans and leases to deposits | 72.5122% | 3,324 |
| Net loans and leases to core deposits | 74.9266% | 3,667 |
| Total domestic deposits to total assets | 89.5282% | 1,230 |
| Equity capital to assets | 9.8333% | 4,404 |
| Core capital (leverage) ratio | 9.6524% | 3,890 |
| Tier 1 risk-based capital ratio | 14.3305% | 4,144 |
| Total risk-based capital ratio | 15.5838% | 4,100 |
| Memoranda: | ||
| Average total assets | $472,987,800 | 1,400 |
| Average earning assets | $440,423,000 | 1,370 |
| Average equity | $46,613,000 | 1,497 |
| Average total loans | $312,226,800 | 1,347 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3258% | 959 |
| Cost of funding earning assets | 0.2285% | 6,879 |
| Net interest margin | 5.0973% | 339 |
| Noninterest income to average assets | 1.0663% | 1,330 |
| Noninterest expense to average assets | 3.4213% | 1,953 |
| Loan and lease loss provision to assets | 0.1291% | 3,942 |
| Net operating income to assets | 2.2652% | 255 |
| Return on assets (ROA) | 2.2652% | 279 |
| Pretax return on assets | 2.2652% | 425 |
| Return on Equity (ROE) | 22.9713% | 193 |
| Retained earnings to average equity (ytd only) | 14.3745% | 275 |
| Net charge-offs to loans | 0.2259% | 3,368 |
| Credit loss provision to net charge-offs | 86.5385% | 3,412 |
| Earnings coverage of net charge-offs (x) | 16.0499% | 1,717 |
| Efficiency ratio | 58.8299% | 5,684 |
| Assets per employee ($millions) | 4.7111% | 2,586 |
| Cash dividends to net income (ytd only)* | 37.4240% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4543% | 4,140 |
| Loan loss allowance to noncurrent loans | 162.3035% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.7625% | 4,796 |
| Noncurrent loans to loans | 0.8960% | 4,642 |
| Net loans and leases to total assets | 66.9695% | 2,468 |
| Net loans and leases to deposits | 75.0542% | 3,137 |
| Net loans and leases to core deposits | 77.9726% | 3,465 |
| Total domestic deposits to total assets | 89.2282% | 1,296 |
| Equity capital to assets | 10.2110% | 4,187 |
| Core capital (leverage) ratio | 9.7111% | 3,942 |
| Tier 1 risk-based capital ratio | 14.2515% | 4,349 |
| Total risk-based capital ratio | 15.5047% | 4,316 |
| Memoranda: | ||
| Average total assets | $464,764,250 | 1,437 |
| Average earning assets | $433,026,000 | 1,412 |
| Average equity | $45,830,000 | 1,533 |
| Average total loans | $306,962,750 | 1,377 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2994% | 1,059 |
| Cost of funding earning assets | 0.2449% | 6,930 |
| Net interest margin | 5.0544% | 367 |
| Noninterest income to average assets | 0.9649% | 1,559 |
| Noninterest expense to average assets | 3.4963% | 1,796 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.1749% | 294 |
| Return on assets (ROA) | 2.1749% | 332 |
| Pretax return on assets | 2.1749% | 509 |
| Return on Equity (ROE) | 22.3325% | 239 |
| Retained earnings to average equity (ytd only) | 12.8846% | 449 |
| Net charge-offs to loans | 0.2230% | 3,240 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 14.9164% | 1,678 |
| Efficiency ratio | 61.6500% | 5,303 |
| Assets per employee ($millions) | 4.5638% | 2,781 |
| Cash dividends to net income (ytd only)* | 42.3054% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4548% | 4,228 |
| Loan loss allowance to noncurrent loans | 167.1887% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.6712% | 5,094 |
| Noncurrent loans to loans | 0.8702% | 4,756 |
| Net loans and leases to total assets | 65.8953% | 2,688 |
| Net loans and leases to deposits | 73.8783% | 3,315 |
| Net loans and leases to core deposits | 77.5919% | 3,576 |
| Total domestic deposits to total assets | 89.1945% | 1,394 |
| Equity capital to assets | 10.0653% | 4,239 |
| Core capital (leverage) ratio | 9.4317% | 4,249 |
| Tier 1 risk-based capital ratio | 14.5293% | 4,080 |
| Total risk-based capital ratio | 15.7828% | 4,045 |
| Memoranda: | ||
| Average total assets | $459,508,330 | 1,447 |
| Average earning assets | $427,863,670 | 1,431 |
| Average equity | $44,751,000 | 1,558 |
| Average total loans | $300,430,670 | 1,416 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0842% | 1,628 |
| Cost of funding earning assets | 0.2640% | 6,967 |
| Net interest margin | 4.8202% | 539 |
| Noninterest income to average assets | 0.9207% | 1,664 |
| Noninterest expense to average assets | 3.4491% | 1,878 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.9599% | 456 |
| Return on assets (ROA) | 1.9599% | 522 |
| Pretax return on assets | 1.9599% | 795 |
| Return on Equity (ROE) | 20.4694% | 358 |
| Retained earnings to average equity (ytd only) | 14.2047% | 544 |
| Net charge-offs to loans | -0.0985% | 6,776 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7653% | 4,965 |
| Assets per employee ($millions) | 4.2910% | 3,413 |
| Cash dividends to net income (ytd only)* | 30.6050% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6417% | 3,572 |
| Loan loss allowance to noncurrent loans | 53.7760% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 2.0582% | 2,812 |
| Noncurrent loans to loans | 3.0528% | 2,109 |
| Net loans and leases to total assets | 63.2464% | 2,993 |
| Net loans and leases to deposits | 70.4744% | 3,659 |
| Net loans and leases to core deposits | 73.6681% | 3,938 |
| Total domestic deposits to total assets | 89.7437% | 1,222 |
| Equity capital to assets | 9.6400% | 4,600 |
| Core capital (leverage) ratio | 9.1941% | 4,526 |
| Tier 1 risk-based capital ratio | 14.5432% | 4,068 |
| Total risk-based capital ratio | 15.7990% | 4,025 |
| Memoranda: | ||
| Average total assets | $458,792,500 | 1,455 |
| Average earning assets | $427,206,500 | 1,436 |
| Average equity | $43,929,000 | 1,582 |
| Average total loans | $296,535,000 | 1,431 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5774% | 996 |
| Cost of funding earning assets | 0.3802% | 6,942 |
| Net interest margin | 5.1971% | 287 |
| Noninterest income to average assets | 0.8587% | 1,807 |
| Noninterest expense to average assets | 3.5804% | 1,783 |
| Loan and lease loss provision to assets | 0.1392% | 4,880 |
| Net operating income to assets | 1.9318% | 356 |
| Return on assets (ROA) | 1.9318% | 380 |
| Pretax return on assets | 1.9318% | 624 |
| Return on Equity (ROE) | 20.4676% | 249 |
| Retained earnings to average equity (ytd only) | 9.8748% | 595 |
| Net charge-offs to loans | 0.2428% | 4,262 |
| Credit loss provision to net charge-offs | 85.3485% | 4,227 |
| Earnings coverage of net charge-offs (x) | 12.6942% | 1,598 |
| Efficiency ratio | 63.3541% | 5,237 |
| Assets per employee ($millions) | 4.1666% | 3,519 |
| Cash dividends to net income (ytd only)* | 51.7540% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6331% | 3,454 |
| Loan loss allowance to noncurrent loans | 73.0705% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 1.5994% | 3,553 |
| Noncurrent loans to loans | 2.2350% | 2,918 |
| Net loans and leases to total assets | 63.9113% | 3,207 |
| Net loans and leases to deposits | 71.2095% | 3,914 |
| Net loans and leases to core deposits | 74.5798% | 4,163 |
| Total domestic deposits to total assets | 89.7510% | 1,130 |
| Equity capital to assets | 9.5085% | 4,878 |
| Core capital (leverage) ratio | 9.2049% | 4,458 |
| Tier 1 risk-based capital ratio | 14.1825% | 4,190 |
| Total risk-based capital ratio | 15.4382% | 4,138 |
| Memoranda: | ||
| Average total assets | $430,899,600 | 1,512 |
| Average earning assets | $397,374,200 | 1,498 |
| Average equity | $40,669,200 | 1,655 |
| Average total loans | $289,551,200 | 1,478 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6486% | 938 |
| Cost of funding earning assets | 0.4044% | 7,009 |
| Net interest margin | 5.2442% | 271 |
| Noninterest income to average assets | 0.8252% | 1,944 |
| Noninterest expense to average assets | 3.7115% | 1,472 |
| Loan and lease loss provision to assets | 0.0470% | 5,853 |
| Net operating income to assets | 1.8910% | 433 |
| Return on assets (ROA) | 1.8910% | 469 |
| Pretax return on assets | 1.8910% | 796 |
| Return on Equity (ROE) | 20.0758% | 311 |
| Retained earnings to average equity (ytd only) | 10.7255% | 675 |
| Net charge-offs to loans | 0.2003% | 4,197 |
| Credit loss provision to net charge-offs | 34.6420% | 5,347 |
| Earnings coverage of net charge-offs (x) | 14.2702% | 1,546 |
| Efficiency ratio | 65.6951% | 4,773 |
| Assets per employee ($millions) | 3.9561% | 3,942 |
| Cash dividends to net income (ytd only)* | 46.5749% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5646% | 3,826 |
| Loan loss allowance to noncurrent loans | 133.6502% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 1.6599% | 3,593 |
| Noncurrent loans to loans | 1.1707% | 4,586 |
| Net loans and leases to total assets | 66.4632% | 2,791 |
| Net loans and leases to deposits | 74.2489% | 3,623 |
| Net loans and leases to core deposits | 78.7825% | 3,796 |
| Total domestic deposits to total assets | 89.5139% | 1,135 |
| Equity capital to assets | 9.7113% | 4,764 |
| Core capital (leverage) ratio | 9.2082% | 4,616 |
| Tier 1 risk-based capital ratio | 13.6780% | 4,593 |
| Total risk-based capital ratio | 14.9328% | 4,558 |
| Memoranda: | ||
| Average total assets | $425,084,250 | 1,543 |
| Average earning assets | $391,050,500 | 1,528 |
| Average equity | $40,040,500 | 1,680 |
| Average total loans | $288,169,250 | 1,495 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6196% | 1,038 |
| Cost of funding earning assets | 0.4263% | 7,072 |
| Net interest margin | 5.1932% | 277 |
| Noninterest income to average assets | 0.8240% | 1,915 |
| Noninterest expense to average assets | 3.7578% | 1,430 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.8411% | 455 |
| Return on assets (ROA) | 1.8411% | 485 |
| Pretax return on assets | 1.8411% | 809 |
| Return on Equity (ROE) | 19.7588% | 328 |
| Retained earnings to average equity (ytd only) | 8.9349% | 1,129 |
| Net charge-offs to loans | 0.1948% | 3,986 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 13.9209% | 1,511 |
| Efficiency ratio | 67.1170% | 4,679 |
| Assets per employee ($millions) | 3.7951% | 4,209 |
| Cash dividends to net income (ytd only)* | 54.7804% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6095% | 3,657 |
| Loan loss allowance to noncurrent loans | 182.4754% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 1.7979% | 3,508 |
| Noncurrent loans to loans | 0.8820% | 5,202 |
| Net loans and leases to total assets | 67.3910% | 2,740 |
| Net loans and leases to deposits | 75.1604% | 3,622 |
| Net loans and leases to core deposits | 81.6934% | 3,554 |
| Total domestic deposits to total assets | 89.6629% | 1,139 |
| Equity capital to assets | 9.5727% | 4,703 |
| Core capital (leverage) ratio | 8.9667% | 4,779 |
| Tier 1 risk-based capital ratio | 13.2561% | 4,724 |
| Total risk-based capital ratio | 14.5109% | 4,697 |
| Memoranda: | ||
| Average total assets | $420,403,670 | 1,573 |
| Average earning assets | $386,542,000 | 1,555 |
| Average equity | $39,172,330 | 1,715 |
| Average total loans | $285,393,670 | 1,523 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5524% | 1,173 |
| Cost of funding earning assets | 0.4381% | 7,139 |
| Net interest margin | 5.1143% | 295 |
| Noninterest income to average assets | 0.9382% | 1,513 |
| Noninterest expense to average assets | 4.0088% | 1,024 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6325% | 646 |
| Return on assets (ROA) | 1.6325% | 683 |
| Pretax return on assets | 1.6325% | 1,121 |
| Return on Equity (ROE) | 17.7637% | 500 |
| Retained earnings to average equity (ytd only) | 9.6488% | 1,198 |
| Net charge-offs to loans | 0.2650% | 3,011 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 9.1170% | 1,761 |
| Efficiency ratio | 71.0620% | 4,043 |
| Assets per employee ($millions) | 3.8401% | 4,213 |
| Cash dividends to net income (ytd only)* | 45.6826% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6844% | 3,397 |
| Loan loss allowance to noncurrent loans | 151.7794% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 2.7464% | 2,519 |
| Noncurrent loans to loans | 1.1098% | 4,844 |
| Net loans and leases to total assets | 64.2452% | 3,394 |
| Net loans and leases to deposits | 71.1468% | 4,176 |
| Net loans and leases to core deposits | 77.7540% | 4,055 |
| Total domestic deposits to total assets | 90.2995% | 965 |
| Equity capital to assets | 9.0944% | 5,064 |
| Core capital (leverage) ratio | 8.9122% | 4,753 |
| Tier 1 risk-based capital ratio | 13.2987% | 4,579 |
| Total risk-based capital ratio | 14.5546% | 4,554 |
| Memoranda: | ||
| Average total assets | $419,975,000 | 1,588 |
| Average earning assets | $386,210,000 | 1,568 |
| Average equity | $38,595,500 | 1,723 |
| Average total loans | $283,822,500 | 1,545 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9385% | 965 |
| Cost of funding earning assets | 0.5987% | 7,136 |
| Net interest margin | 5.3399% | 224 |
| Noninterest income to average assets | 0.9281% | 1,748 |
| Noninterest expense to average assets | 3.6818% | 1,747 |
| Loan and lease loss provision to assets | 0.3232% | 4,227 |
| Net operating income to assets | 1.8408% | 378 |
| Return on assets (ROA) | 1.8408% | 409 |
| Pretax return on assets | 1.8408% | 698 |
| Return on Equity (ROE) | 20.2856% | 238 |
| Retained earnings to average equity (ytd only) | 9.2611% | 650 |
| Net charge-offs to loans | 0.1905% | 5,160 |
| Credit loss provision to net charge-offs | 241.2844% | 1,192 |
| Earnings coverage of net charge-offs (x) | 16.1541% | 1,231 |
| Efficiency ratio | 62.9820% | 5,515 |
| Assets per employee ($millions) | 3.6595% | 4,553 |
| Cash dividends to net income (ytd only)* | 54.3464% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7174% | 3,146 |
| Loan loss allowance to noncurrent loans | 194.0852% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 1.4525% | 4,150 |
| Noncurrent loans to loans | 0.8849% | 5,293 |
| Net loans and leases to total assets | 68.7251% | 2,805 |
| Net loans and leases to deposits | 76.3650% | 3,786 |
| Net loans and leases to core deposits | 83.6556% | 3,641 |
| Total domestic deposits to total assets | 89.9956% | 1,104 |
| Equity capital to assets | 9.2903% | 4,703 |
| Core capital (leverage) ratio | 8.9948% | 4,568 |
| Tier 1 risk-based capital ratio | 12.9418% | 4,641 |
| Total risk-based capital ratio | 14.1983% | 4,611 |
| Memoranda: | ||
| Average total assets | $406,843,200 | 1,623 |
| Average earning assets | $374,670,600 | 1,608 |
| Average equity | $36,917,800 | 1,796 |
| Average total loans | $286,077,400 | 1,569 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9880% | 961 |
| Cost of funding earning assets | 0.6343% | 7,213 |
| Net interest margin | 5.3538% | 218 |
| Noninterest income to average assets | 0.9006% | 1,794 |
| Noninterest expense to average assets | 3.6290% | 1,721 |
| Loan and lease loss provision to assets | 0.4626% | 3,162 |
| Net operating income to assets | 1.7309% | 583 |
| Return on assets (ROA) | 1.7309% | 636 |
| Pretax return on assets | 1.7309% | 1,050 |
| Return on Equity (ROE) | 19.1907% | 376 |
| Retained earnings to average equity (ytd only) | 9.8356% | 834 |
| Net charge-offs to loans | 0.0117% | 6,505 |
| Credit loss provision to net charge-offs | 5,636.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 267.2601% | 122 |
| Efficiency ratio | 62.3266% | 5,559 |
| Assets per employee ($millions) | 3.6368% | 4,648 |
| Cash dividends to net income (ytd only)* | 48.7481% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9010% | 2,481 |
| Loan loss allowance to noncurrent loans | 223.1358% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 1.8076% | 3,739 |
| Noncurrent loans to loans | 0.8520% | 5,518 |
| Net loans and leases to total assets | 71.4111% | 2,379 |
| Net loans and leases to deposits | 79.5263% | 3,541 |
| Net loans and leases to core deposits | 86.6651% | 3,562 |
| Total domestic deposits to total assets | 89.7956% | 969 |
| Equity capital to assets | 9.5135% | 4,822 |
| Core capital (leverage) ratio | 8.8410% | 4,938 |
| Tier 1 risk-based capital ratio | 12.3961% | 5,078 |
| Total risk-based capital ratio | 13.6545% | 5,045 |
| Memoranda: | ||
| Average total assets | $406,089,250 | 1,654 |
| Average earning assets | $373,335,250 | 1,639 |
| Average equity | $36,628,000 | 1,828 |
| Average total loans | $285,947,250 | 1,580 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8467% | 1,309 |
| Cost of funding earning assets | 0.6780% | 7,238 |
| Net interest margin | 5.1686% | 301 |
| Noninterest income to average assets | 1.0527% | 1,210 |
| Noninterest expense to average assets | 3.6300% | 1,707 |
| Loan and lease loss provision to assets | 0.6023% | 2,379 |
| Net operating income to assets | 1.5761% | 773 |
| Return on assets (ROA) | 1.5761% | 825 |
| Pretax return on assets | 1.5761% | 1,369 |
| Return on Equity (ROE) | 17.7919% | 483 |
| Retained earnings to average equity (ytd only) | 8.4755% | 1,273 |
| Net charge-offs to loans | 0.2906% | 3,879 |
| Credit loss provision to net charge-offs | 297.5787% | 1,247 |
| Earnings coverage of net charge-offs (x) | 10.7627% | 1,846 |
| Efficiency ratio | 62.4958% | 5,615 |
| Assets per employee ($millions) | 3.7572% | 4,328 |
| Cash dividends to net income (ytd only)* | 52.3632% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7456% | 2,915 |
| Loan loss allowance to noncurrent loans | 113.6322% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 2.3746% | 3,037 |
| Noncurrent loans to loans | 1.5362% | 4,412 |
| Net loans and leases to total assets | 68.2811% | 3,296 |
| Net loans and leases to deposits | 75.5714% | 4,408 |
| Net loans and leases to core deposits | 82.1754% | 4,389 |
| Total domestic deposits to total assets | 90.3530% | 743 |
| Equity capital to assets | 8.9928% | 5,458 |
| Core capital (leverage) ratio | 8.3038% | 5,764 |
| Tier 1 risk-based capital ratio | 12.1779% | 5,147 |
| Total risk-based capital ratio | 13.4340% | 5,115 |
| Memoranda: | ||
| Average total assets | $408,104,330 | 1,661 |
| Average earning assets | $375,495,000 | 1,647 |
| Average equity | $36,151,330 | 1,851 |
| Average total loans | $284,192,330 | 1,606 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7914% | 1,491 |
| Cost of funding earning assets | 0.7291% | 7,272 |
| Net interest margin | 5.0623% | 368 |
| Noninterest income to average assets | 1.1547% | 930 |
| Noninterest expense to average assets | 3.7056% | 1,505 |
| Loan and lease loss provision to assets | 0.2651% | 3,908 |
| Net operating income to assets | 1.8469% | 450 |
| Return on assets (ROA) | 1.8469% | 496 |
| Pretax return on assets | 1.8469% | 812 |
| Return on Equity (ROE) | 21.0094% | 331 |
| Retained earnings to average equity (ytd only) | 16.3072% | 322 |
| Net charge-offs to loans | 0.3916% | 2,871 |
| Credit loss provision to net charge-offs | 97.1223% | 3,504 |
| Earnings coverage of net charge-offs (x) | 7.7374% | 2,044 |
| Efficiency ratio | 63.6962% | 5,549 |
| Assets per employee ($millions) | 3.8352% | 4,238 |
| Cash dividends to net income (ytd only)* | 22.3817% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4737% | 4,048 |
| Loan loss allowance to noncurrent loans | 278.8694% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 1.6422% | 4,020 |
| Noncurrent loans to loans | 0.5285% | 6,231 |
| Net loans and leases to total assets | 65.6705% | 3,938 |
| Net loans and leases to deposits | 72.3326% | 5,005 |
| Net loans and leases to core deposits | 78.3927% | 4,979 |
| Total domestic deposits to total assets | 90.7896% | 614 |
| Equity capital to assets | 8.6820% | 5,755 |
| Core capital (leverage) ratio | 8.3702% | 5,608 |
| Tier 1 risk-based capital ratio | 12.2344% | 4,961 |
| Total risk-based capital ratio | 13.4870% | 4,932 |
| Memoranda: | ||
| Average total assets | $407,387,500 | 1,707 |
| Average earning assets | $375,244,000 | 1,683 |
| Average equity | $35,812,500 | 1,880 |
| Average total loans | $283,986,000 | 1,658 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3938% | 845 |
| Cost of funding earning assets | 1.1097% | 6,941 |
| Net interest margin | 5.2841% | 248 |
| Noninterest income to average assets | 1.1126% | 1,241 |
| Noninterest expense to average assets | 3.8554% | 1,581 |
| Loan and lease loss provision to assets | 0.4070% | 4,373 |
| Net operating income to assets | 1.7203% | 421 |
| Return on assets (ROA) | 1.7203% | 448 |
| Pretax return on assets | 1.7203% | 745 |
| Return on Equity (ROE) | 19.8211% | 252 |
| Retained earnings to average equity (ytd only) | 11.7563% | 228 |
| Net charge-offs to loans | 0.4113% | 4,169 |
| Credit loss provision to net charge-offs | 130.7363% | 3,888 |
| Earnings coverage of net charge-offs (x) | 6.8330% | 2,279 |
| Efficiency ratio | 64.4420% | 5,691 |
| Assets per employee ($millions) | 3.5718% | 4,841 |
| Cash dividends to net income (ytd only)* | 40.6879% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4478% | 3,992 |
| Loan loss allowance to noncurrent loans | 124.1998% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 1.7012% | 3,816 |
| Noncurrent loans to loans | 1.1657% | 4,996 |
| Net loans and leases to total assets | 71.9340% | 2,763 |
| Net loans and leases to deposits | 79.5782% | 4,074 |
| Net loans and leases to core deposits | 95.9518% | 4,475 |
| Total domestic deposits to total assets | 90.3940% | 782 |
| Equity capital to assets | 8.9076% | 5,268 |
| Core capital (leverage) ratio | 8.6477% | 5,018 |
| Tier 1 risk-based capital ratio | 11.4204% | 5,486 |
| Total risk-based capital ratio | 12.6725% | 5,446 |
| Memoranda: | ||
| Average total assets | $375,165,800 | 1,819 |
| Average earning assets | $345,770,600 | 1,808 |
| Average equity | $32,561,200 | 2,054 |
| Average total loans | $283,999,400 | 1,696 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4954% | 754 |
| Cost of funding earning assets | 1.1980% | 6,894 |
| Net interest margin | 5.2974% | 253 |
| Noninterest income to average assets | 1.0998% | 1,314 |
| Noninterest expense to average assets | 3.8525% | 1,509 |
| Loan and lease loss provision to assets | 0.4798% | 3,503 |
| Net operating income to assets | 1.6543% | 602 |
| Return on assets (ROA) | 1.6543% | 654 |
| Pretax return on assets | 1.6543% | 1,060 |
| Return on Equity (ROE) | 19.1950% | 354 |
| Retained earnings to average equity (ytd only) | 8.2371% | 1,066 |
| Net charge-offs to loans | 0.5055% | 3,202 |
| Credit loss provision to net charge-offs | 124.2086% | 4,057 |
| Earnings coverage of net charge-offs (x) | 5.5252% | 2,797 |
| Efficiency ratio | 64.3518% | 5,682 |
| Assets per employee ($millions) | 3.6118% | 4,656 |
| Cash dividends to net income (ytd only)* | 57.0870% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4082% | 3,895 |
| Loan loss allowance to noncurrent loans | 998.2759% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.8475% | 5,399 |
| Noncurrent loans to loans | 0.1411% | 7,127 |
| Net loans and leases to total assets | 71.4232% | 3,173 |
| Net loans and leases to deposits | 78.8796% | 4,581 |
| Net loans and leases to core deposits | 96.3273% | 4,771 |
| Total domestic deposits to total assets | 90.5471% | 569 |
| Equity capital to assets | 8.3653% | 6,424 |
| Core capital (leverage) ratio | 8.2728% | 5,879 |
| Tier 1 risk-based capital ratio | 10.7825% | 6,180 |
| Total risk-based capital ratio | 12.0345% | 6,142 |
| Memoranda: | ||
| Average total assets | $370,731,750 | 1,852 |
| Average earning assets | $341,995,250 | 1,842 |
| Average equity | $31,952,000 | 2,113 |
| Average total loans | $283,303,750 | 1,717 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5923% | 669 |
| Cost of funding earning assets | 1.2967% | 6,821 |
| Net interest margin | 5.2956% | 244 |
| Noninterest income to average assets | 1.1192% | 1,261 |
| Noninterest expense to average assets | 3.8715% | 1,535 |
| Loan and lease loss provision to assets | 0.3869% | 3,594 |
| Net operating income to assets | 1.7586% | 507 |
| Return on assets (ROA) | 1.7586% | 548 |
| Pretax return on assets | 1.7586% | 916 |
| Return on Equity (ROE) | 20.1876% | 332 |
| Retained earnings to average equity (ytd only) | 7.6385% | 1,339 |
| Net charge-offs to loans | 0.1554% | 4,642 |
| Credit loss provision to net charge-offs | 319.6347% | 1,459 |
| Earnings coverage of net charge-offs (x) | 17.7260% | 1,457 |
| Efficiency ratio | 64.3428% | 5,839 |
| Assets per employee ($millions) | 3.3444% | 5,205 |
| Cash dividends to net income (ytd only)* | 62.1622% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4818% | 3,297 |
| Loan loss allowance to noncurrent loans | 415.7588% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.3374% | 6,615 |
| Noncurrent loans to loans | 0.3564% | 6,619 |
| Net loans and leases to total assets | 77.9527% | 1,753 |
| Net loans and leases to deposits | 86.9237% | 3,368 |
| Net loans and leases to core deposits | 106.4687% | 3,778 |
| Total domestic deposits to total assets | 89.6795% | 967 |
| Equity capital to assets | 8.7761% | 5,634 |
| Core capital (leverage) ratio | 8.5629% | 5,328 |
| Tier 1 risk-based capital ratio | 10.5834% | 6,311 |
| Total risk-based capital ratio | 11.8363% | 6,246 |
| Memoranda: | ||
| Average total assets | $361,876,330 | 1,914 |
| Average earning assets | $334,691,670 | 1,893 |
| Average equity | $31,524,330 | 2,144 |
| Average total loans | $281,799,670 | 1,756 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5303% | 817 |
| Cost of funding earning assets | 1.3894% | 6,771 |
| Net interest margin | 5.1409% | 312 |
| Noninterest income to average assets | 1.1405% | 1,134 |
| Noninterest expense to average assets | 3.7776% | 1,513 |
| Loan and lease loss provision to assets | 0.3694% | 3,111 |
| Net operating income to assets | 1.7429% | 591 |
| Return on assets (ROA) | 1.7429% | 644 |
| Pretax return on assets | 1.7429% | 1,094 |
| Return on Equity (ROE) | 20.0828% | 415 |
| Retained earnings to average equity (ytd only) | 10.0606% | 1,172 |
| Net charge-offs to loans | 0.1781% | 3,576 |
| Credit loss provision to net charge-offs | 268.5484% | 1,768 |
| Earnings coverage of net charge-offs (x) | 15.3548% | 1,612 |
| Efficiency ratio | 64.1364% | 5,667 |
| Assets per employee ($millions) | 3.5140% | 4,778 |
| Cash dividends to net income (ytd only)* | 49.9045% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4243% | 3,366 |
| Loan loss allowance to noncurrent loans | 242.6925% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.4511% | 6,138 |
| Noncurrent loans to loans | 0.5869% | 5,929 |
| Net loans and leases to total assets | 73.6650% | 2,846 |
| Net loans and leases to deposits | 82.0811% | 4,271 |
| Net loans and leases to core deposits | 99.8155% | 4,555 |
| Total domestic deposits to total assets | 89.7466% | 912 |
| Equity capital to assets | 8.4680% | 6,122 |
| Core capital (leverage) ratio | 8.5897% | 5,361 |
| Tier 1 risk-based capital ratio | 10.4976% | 6,398 |
| Total risk-based capital ratio | 11.7495% | 6,304 |
| Memoranda: | ||
| Average total assets | $360,547,000 | 1,926 |
| Average earning assets | $333,091,500 | 1,897 |
| Average equity | $31,290,500 | 2,165 |
| Average total loans | $278,480,000 | 1,784 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2348% | 683 |
| Cost of funding earning assets | 2.0140% | 6,370 |
| Net interest margin | 5.2208% | 326 |
| Noninterest income to average assets | 1.1572% | 1,154 |
| Noninterest expense to average assets | 3.8660% | 1,629 |
| Loan and lease loss provision to assets | 0.4177% | 3,194 |
| Net operating income to assets | 1.6936% | 685 |
| Return on assets (ROA) | 1.7051% | 639 |
| Pretax return on assets | 1.7051% | 1,132 |
| Return on Equity (ROE) | 20.1575% | 358 |
| Retained earnings to average equity (ytd only) | 13.0658% | 159 |
| Net charge-offs to loans | 0.2685% | 3,612 |
| Credit loss provision to net charge-offs | 197.8541% | 2,469 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,588 |
| Efficiency ratio | 64.6773% | 5,400 |
| Assets per employee ($millions) | 3.2556% | 5,322 |
| Cash dividends to net income (ytd only)* | 35.1816% | 3,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3740% | 3,341 |
| Loan loss allowance to noncurrent loans | 301.9108% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.3776% | 6,104 |
| Noncurrent loans to loans | 0.4551% | 5,980 |
| Net loans and leases to total assets | 78.8729% | 1,919 |
| Net loans and leases to deposits | 89.0319% | 3,629 |
| Net loans and leases to core deposits | 107.4149% | 4,028 |
| Total domestic deposits to total assets | 88.5894% | 1,209 |
| Equity capital to assets | 8.9081% | 5,488 |
| Core capital (leverage) ratio | 8.5630% | 5,462 |
| Tier 1 risk-based capital ratio | 10.3018% | 6,418 |
| Total risk-based capital ratio | 11.5528% | 6,289 |
| Memoranda: | ||
| Average total assets | $331,069,600 | 2,021 |
| Average earning assets | $305,661,200 | 1,997 |
| Average equity | $28,004,400 | 2,411 |
| Average total loans | $260,344,200 | 1,831 |