Home > St. Johns Bank and Trust Company > Performance and Condition Ratios
St. Johns Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4254% | 3,233 |
| Cost of funding earning assets | 0.2614% | 4,405 |
| Net interest margin | 4.1640% | 986 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.8621% | 1,363 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.1482% | 1,788 |
| Return on assets (ROA) | 1.1482% | 1,760 |
| Pretax return on assets | 1.5045% | 1,408 |
| Return on Equity (ROE) | 14.3500% | 1,416 |
| Retained earnings to average equity (ytd only) | -0.4968% | 4,141 |
| Net charge-offs to loans | 0.0069% | 2,422 |
| Credit loss provision to net charge-offs | 647.0588% | 560 |
| Earnings coverage of net charge-offs (x) | 313.8235% | 419 |
| Efficiency ratio | 64.9036% | 2,496 |
| Assets per employee ($millions) | 4.7588% | 3,799 |
| Cash dividends to net income (ytd only)* | 103.4613% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4397% | 1,237 |
| Loan loss allowance to noncurrent loans | 384.0426% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.2782% | 1,832 |
| Noncurrent loans to loans | 0.3749% | 1,868 |
| Net loans and leases to total assets | 73.1400% | 1,457 |
| Net loans and leases to deposits | 85.7999% | 1,626 |
| Net loans and leases to core deposits | 86.4666% | 2,277 |
| Total domestic deposits to total assets | 85.2500% | 2,228 |
| Equity capital to assets | 8.2016% | 3,277 |
| Core capital (leverage) ratio | 9.2085% | 3,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6260% | 2,020 |
| Memoranda: | ||
| Average total assets | $344,706,800 | 2,210 |
| Average earning assets | $332,082,200 | 2,169 |
| Average equity | $27,576,800 | 2,387 |
| Average total loans | $247,735,600 | 2,013 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3533% | 3,192 |
| Cost of funding earning assets | 0.2253% | 4,418 |
| Net interest margin | 4.1279% | 1,019 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.8135% | 1,404 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.1797% | 1,845 |
| Return on assets (ROA) | 1.1797% | 1,833 |
| Pretax return on assets | 1.5484% | 1,469 |
| Return on Equity (ROE) | 14.8400% | 1,479 |
| Retained earnings to average equity (ytd only) | 11.4726% | 1,073 |
| Net charge-offs to loans | 0.0081% | 2,112 |
| Credit loss provision to net charge-offs | 540.0000% | 600 |
| Earnings coverage of net charge-offs (x) | 276.1333% | 479 |
| Efficiency ratio | 63.8316% | 2,516 |
| Assets per employee ($millions) | 4.7306% | 3,785 |
| Cash dividends to net income (ytd only)* | 22.6754% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4542% | 1,239 |
| Loan loss allowance to noncurrent loans | 366.7349% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.2909% | 1,843 |
| Noncurrent loans to loans | 0.3965% | 1,835 |
| Net loans and leases to total assets | 72.2900% | 1,541 |
| Net loans and leases to deposits | 79.4157% | 2,104 |
| Net loans and leases to core deposits | 79.9937% | 2,603 |
| Total domestic deposits to total assets | 91.0300% | 660 |
| Equity capital to assets | 8.6133% | 2,659 |
| Core capital (leverage) ratio | 9.8872% | 2,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7532% | 1,646 |
| Memoranda: | ||
| Average total assets | $346,415,000 | 2,215 |
| Average earning assets | $333,719,000 | 2,170 |
| Average equity | $27,543,250 | 2,376 |
| Average total loans | $246,984,000 | 2,015 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2154% | 3,265 |
| Cost of funding earning assets | 0.2007% | 4,429 |
| Net interest margin | 4.0147% | 1,216 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 2.7338% | 1,567 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.2049% | 1,822 |
| Return on assets (ROA) | 1.2049% | 1,810 |
| Pretax return on assets | 1.5804% | 1,446 |
| Return on Equity (ROE) | 15.5700% | 1,345 |
| Retained earnings to average equity (ytd only) | 11.2477% | 1,137 |
| Net charge-offs to loans | 0.0016% | 2,333 |
| Credit loss provision to net charge-offs | 3,100.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 1,419.5000% | 100 |
| Efficiency ratio | 62.7526% | 2,619 |
| Assets per employee ($millions) | 4.8709% | 3,695 |
| Cash dividends to net income (ytd only)* | 27.7514% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4074% | 1,506 |
| Loan loss allowance to noncurrent loans | 352.4138% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.2977% | 1,728 |
| Noncurrent loans to loans | 0.3994% | 1,732 |
| Net loans and leases to total assets | 73.4900% | 1,348 |
| Net loans and leases to deposits | 81.0173% | 1,904 |
| Net loans and leases to core deposits | 81.4392% | 2,374 |
| Total domestic deposits to total assets | 90.7100% | 726 |
| Equity capital to assets | 8.2147% | 3,079 |
| Core capital (leverage) ratio | 9.4562% | 3,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0609% | 1,868 |
| Memoranda: | ||
| Average total assets | $349,914,333 | 2,206 |
| Average earning assets | $336,863,333 | 2,154 |
| Average equity | $27,081,000 | 2,409 |
| Average total loans | $247,183,000 | 2,011 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0697% | 3,320 |
| Cost of funding earning assets | 0.1714% | 4,419 |
| Net interest margin | 3.8982% | 1,488 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.6524% | 1,804 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.0248% | 2,456 |
| Return on assets (ROA) | 1.0248% | 2,421 |
| Pretax return on assets | 1.3330% | 2,080 |
| Return on Equity (ROE) | 13.6400% | 1,850 |
| Retained earnings to average equity (ytd only) | 10.1857% | 1,653 |
| Net charge-offs to loans | 0.0115% | 1,515 |
| Credit loss provision to net charge-offs | 414.2857% | 601 |
| Earnings coverage of net charge-offs (x) | 172.8571% | 558 |
| Efficiency ratio | 66.0112% | 2,204 |
| Assets per employee ($millions) | 5.3017% | 3,418 |
| Cash dividends to net income (ytd only)* | 25.3304% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4221% | 1,534 |
| Loan loss allowance to noncurrent loans | 13,111.1111% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.2226% | 2,016 |
| Noncurrent loans to loans | 0.0108% | 3,744 |
| Net loans and leases to total assets | 70.1300% | 1,617 |
| Net loans and leases to deposits | 76.3555% | 2,086 |
| Net loans and leases to core deposits | 76.6177% | 2,485 |
| Total domestic deposits to total assets | 91.8500% | 550 |
| Equity capital to assets | 7.8333% | 3,356 |
| Core capital (leverage) ratio | 9.0277% | 3,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1511% | 1,925 |
| Memoranda: | ||
| Average total assets | $354,399,500 | 2,216 |
| Average earning assets | $340,667,000 | 2,172 |
| Average equity | $26,625,500 | 2,454 |
| Average total loans | $243,700,000 | 2,050 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3641% | 3,435 |
| Cost of funding earning assets | 0.0864% | 4,449 |
| Net interest margin | 3.2778% | 2,628 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 2.6824% | 1,599 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.6681% | 3,709 |
| Return on assets (ROA) | 0.6681% | 3,660 |
| Pretax return on assets | 0.8724% | 3,427 |
| Return on Equity (ROE) | 9.1000% | 3,107 |
| Retained earnings to average equity (ytd only) | 5.2436% | 2,952 |
| Net charge-offs to loans | 0.0178% | 1,746 |
| Credit loss provision to net charge-offs | 62.5000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 79.2000% | 1,091 |
| Efficiency ratio | 75.3117% | 1,087 |
| Assets per employee ($millions) | 5.2012% | 3,513 |
| Cash dividends to net income (ytd only)* | 42.3764% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5155% | 1,158 |
| Loan loss allowance to noncurrent loans | 13,385.1852% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.2171% | 2,073 |
| Noncurrent loans to loans | 0.0113% | 3,758 |
| Net loans and leases to total assets | 65.4400% | 2,099 |
| Net loans and leases to deposits | 70.6830% | 2,523 |
| Net loans and leases to core deposits | 70.8108% | 2,814 |
| Total domestic deposits to total assets | 92.5800% | 498 |
| Equity capital to assets | 7.2004% | 3,553 |
| Core capital (leverage) ratio | 8.5133% | 4,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3963% | 1,817 |
| Memoranda: | ||
| Average total assets | $360,278,800 | 2,181 |
| Average earning assets | $346,181,600 | 2,123 |
| Average equity | $26,451,200 | 2,506 |
| Average total loans | $224,353,600 | 2,084 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1692% | 3,509 |
| Cost of funding earning assets | 0.0734% | 4,466 |
| Net interest margin | 3.0958% | 2,946 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.7030% | 1,465 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.5520% | 3,967 |
| Return on assets (ROA) | 0.5520% | 3,904 |
| Pretax return on assets | 0.7239% | 3,756 |
| Return on Equity (ROE) | 7.4800% | 3,472 |
| Retained earnings to average equity (ytd only) | 2.3705% | 3,945 |
| Net charge-offs to loans | 0.0193% | 1,450 |
| Credit loss provision to net charge-offs | 78.1250% | 1,426 |
| Earnings coverage of net charge-offs (x) | 61.9688% | 1,157 |
| Efficiency ratio | 78.6637% | 861 |
| Assets per employee ($millions) | 5.1906% | 3,512 |
| Cash dividends to net income (ytd only)* | 68.3188% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5580% | 1,154 |
| Loan loss allowance to noncurrent loans | 7,873.9130% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.2196% | 2,140 |
| Noncurrent loans to loans | 0.0198% | 3,776 |
| Net loans and leases to total assets | 62.9900% | 2,191 |
| Net loans and leases to deposits | 67.7527% | 2,555 |
| Net loans and leases to core deposits | 68.2903% | 2,774 |
| Total domestic deposits to total assets | 92.9600% | 588 |
| Equity capital to assets | 6.8421% | 3,591 |
| Core capital (leverage) ratio | 8.3743% | 4,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2894% | 1,942 |
| Memoranda: | ||
| Average total assets | $360,627,500 | 2,192 |
| Average earning assets | $346,867,500 | 2,137 |
| Average equity | $26,603,750 | 2,537 |
| Average total loans | $220,825,000 | 2,105 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0038% | 3,548 |
| Cost of funding earning assets | 0.0666% | 4,478 |
| Net interest margin | 2.9373% | 3,067 |
| Noninterest income to average assets | 0.4781% | 2,315 |
| Noninterest expense to average assets | 2.6821% | 1,433 |
| Loan and lease loss provision to assets | 0.0139% | 2,347 |
| Net operating income to assets | 0.4604% | 3,983 |
| Return on assets (ROA) | 0.4604% | 3,938 |
| Pretax return on assets | 0.6038% | 3,809 |
| Return on Equity (ROE) | 6.0916% | 3,549 |
| Retained earnings to average equity (ytd only) | 1.8613% | 3,794 |
| Net charge-offs to loans | 0.0074% | 1,724 |
| Credit loss provision to net charge-offs | 312.5000% | 788 |
| Earnings coverage of net charge-offs (x) | 138.8750% | 680 |
| Efficiency ratio | 81.2805% | 850 |
| Assets per employee ($millions) | 4.8419% | 3,820 |
| Cash dividends to net income (ytd only)* | 69.4444% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6092% | 1,128 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7084% | 759 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 62.2177% | 2,104 |
| Net loans and leases to deposits | 67.0914% | 2,460 |
| Net loans and leases to core deposits | 67.6320% | 2,687 |
| Total domestic deposits to total assets | 92.7356% | 578 |
| Equity capital to assets | 7.0291% | 3,753 |
| Core capital (leverage) ratio | 8.3622% | 4,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3462% | 1,920 |
| Memoranda: | ||
| Average total assets | $359,723,000 | 2,201 |
| Average earning assets | $345,556,667 | 2,159 |
| Average equity | $27,185,000 | 2,571 |
| Average total loans | $216,942,333 | 2,131 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8939% | 3,552 |
| Cost of funding earning assets | 0.0635% | 4,503 |
| Net interest margin | 2.8304% | 3,043 |
| Noninterest income to average assets | 0.3241% | 3,163 |
| Noninterest expense to average assets | 2.6257% | 1,536 |
| Loan and lease loss provision to assets | 0.0166% | 2,053 |
| Net operating income to assets | 0.3152% | 4,112 |
| Return on assets (ROA) | 0.3152% | 4,080 |
| Pretax return on assets | 0.4040% | 4,026 |
| Return on Equity (ROE) | 4.0305% | 3,871 |
| Retained earnings to average equity (ytd only) | 0.5535% | 3,910 |
| Net charge-offs to loans | 0.0038% | 1,636 |
| Credit loss provision to net charge-offs | 750.0000% | 407 |
| Earnings coverage of net charge-offs (x) | 189.5000% | 446 |
| Efficiency ratio | 86.1931% | 728 |
| Assets per employee ($millions) | 5.0848% | 3,680 |
| Cash dividends to net income (ytd only)* | 86.2676% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6769% | 1,092 |
| Loan loss allowance to noncurrent loans | 36,420.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.7058% | 804 |
| Noncurrent loans to loans | 0.0046% | 4,004 |
| Net loans and leases to total assets | 59.1502% | 2,170 |
| Net loans and leases to deposits | 64.0677% | 2,524 |
| Net loans and leases to core deposits | 64.5819% | 2,753 |
| Total domestic deposits to total assets | 92.3245% | 466 |
| Equity capital to assets | 7.5143% | 3,924 |
| Core capital (leverage) ratio | 8.4198% | 3,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $360,436,000 | 2,205 |
| Average earning assets | $346,659,000 | 2,158 |
| Average equity | $28,185,000 | 2,590 |
| Average total loans | $212,128,500 | 2,158 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2316% | 3,400 |
| Cost of funding earning assets | 0.1151% | 4,274 |
| Net interest margin | 3.1165% | 2,854 |
| Noninterest income to average assets | 0.3159% | 3,518 |
| Noninterest expense to average assets | 2.7904% | 1,386 |
| Loan and lease loss provision to assets | 0.0765% | 1,586 |
| Net operating income to assets | 0.3375% | 4,373 |
| Return on assets (ROA) | 0.3375% | 4,392 |
| Pretax return on assets | 0.4351% | 4,353 |
| Return on Equity (ROE) | 3.9123% | 4,232 |
| Retained earnings to average equity (ytd only) | 0.3481% | 4,404 |
| Net charge-offs to loans | 0.0009% | 2,653 |
| Credit loss provision to net charge-offs | 13,250.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 886.0000% | 169 |
| Efficiency ratio | 84.5064% | 546 |
| Assets per employee ($millions) | 4.9295% | 3,797 |
| Cash dividends to net income (ytd only)* | 91.1035% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7525% | 944 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7053% | 894 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 56.5349% | 2,533 |
| Net loans and leases to deposits | 61.6190% | 2,924 |
| Net loans and leases to core deposits | 61.9291% | 3,170 |
| Total domestic deposits to total assets | 91.7491% | 250 |
| Equity capital to assets | 8.1261% | 4,289 |
| Core capital (leverage) ratio | 8.3706% | 4,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $346,361,600 | 2,216 |
| Average earning assets | $331,881,600 | 2,176 |
| Average equity | $29,879,800 | 2,543 |
| Average total loans | $218,917,600 | 2,108 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3132% | 3,352 |
| Cost of funding earning assets | 0.1239% | 4,313 |
| Net interest margin | 3.1893% | 2,761 |
| Noninterest income to average assets | 0.3156% | 3,532 |
| Noninterest expense to average assets | 2.8125% | 1,313 |
| Loan and lease loss provision to assets | 0.0875% | 1,357 |
| Net operating income to assets | 0.3611% | 4,432 |
| Return on assets (ROA) | 0.3611% | 4,462 |
| Pretax return on assets | 0.4680% | 4,408 |
| Return on Equity (ROE) | 4.1234% | 4,281 |
| Retained earnings to average equity (ytd only) | -0.6036% | 4,626 |
| Net charge-offs to loans | 0.0024% | 2,285 |
| Credit loss provision to net charge-offs | 5,625.0000% | 140 |
| Earnings coverage of net charge-offs (x) | 357.2500% | 388 |
| Efficiency ratio | 83.5065% | 547 |
| Assets per employee ($millions) | 4.7806% | 3,900 |
| Cash dividends to net income (ytd only)* | 114.6394% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7168% | 1,081 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7174% | 1,030 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 58.0449% | 2,490 |
| Net loans and leases to deposits | 63.5135% | 2,906 |
| Net loans and leases to core deposits | 63.8395% | 3,158 |
| Total domestic deposits to total assets | 91.3898% | 263 |
| Equity capital to assets | 8.4497% | 4,247 |
| Core capital (leverage) ratio | 8.5348% | 3,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $342,989,000 | 2,256 |
| Average earning assets | $328,255,000 | 2,215 |
| Average equity | $30,039,250 | 2,561 |
| Average total loans | $221,879,250 | 2,125 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4217% | 3,110 |
| Cost of funding earning assets | 0.1387% | 4,290 |
| Net interest margin | 3.2830% | 2,502 |
| Noninterest income to average assets | 0.3076% | 3,589 |
| Noninterest expense to average assets | 2.8262% | 1,300 |
| Loan and lease loss provision to assets | 0.0972% | 1,299 |
| Net operating income to assets | 0.4042% | 4,375 |
| Return on assets (ROA) | 0.4042% | 4,416 |
| Pretax return on assets | 0.5227% | 4,348 |
| Return on Equity (ROE) | 4.5599% | 4,223 |
| Retained earnings to average equity (ytd only) | -0.1928% | 4,537 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0109% | 668 |
| Assets per employee ($millions) | 4.5349% | 4,082 |
| Cash dividends to net income (ytd only)* | 104.2274% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6079% | 1,253 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7364% | 1,115 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 62.6935% | 2,096 |
| Net loans and leases to deposits | 68.8633% | 2,532 |
| Net loans and leases to core deposits | 69.2262% | 2,847 |
| Total domestic deposits to total assets | 91.0405% | 361 |
| Equity capital to assets | 8.6850% | 4,063 |
| Core capital (leverage) ratio | 8.6759% | 3,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $339,396,667 | 2,261 |
| Average earning assets | $324,459,000 | 2,224 |
| Average equity | $30,088,333 | 2,547 |
| Average total loans | $226,195,667 | 2,116 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5120% | 2,884 |
| Cost of funding earning assets | 0.1256% | 4,492 |
| Net interest margin | 3.3864% | 2,147 |
| Noninterest income to average assets | 0.3171% | 3,505 |
| Noninterest expense to average assets | 2.8957% | 1,164 |
| Loan and lease loss provision to assets | 0.1247% | 1,101 |
| Net operating income to assets | 0.4157% | 4,332 |
| Return on assets (ROA) | 0.4157% | 4,362 |
| Pretax return on assets | 0.5309% | 4,300 |
| Return on Equity (ROE) | 4.6410% | 4,163 |
| Retained earnings to average equity (ytd only) | 0.0663% | 4,362 |
| Net charge-offs to loans | -0.0017% | 3,109 |
| Credit loss provision to net charge-offs | -10,500.0000% | 3,800 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5385% | 728 |
| Assets per employee ($millions) | 4.4886% | 4,110 |
| Cash dividends to net income (ytd only)* | 98.5714% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5361% | 1,477 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1316% | 681 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 64.3939% | 1,994 |
| Net loans and leases to deposits | 70.6815% | 2,441 |
| Net loans and leases to core deposits | 71.0443% | 2,778 |
| Total domestic deposits to total assets | 91.1043% | 365 |
| Equity capital to assets | 8.6585% | 3,992 |
| Core capital (leverage) ratio | 9.0581% | 3,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $336,770,000 | 2,252 |
| Average earning assets | $321,643,000 | 2,214 |
| Average equity | $30,166,000 | 2,528 |
| Average total loans | $229,491,500 | 2,097 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8184% | 3,250 |
| Cost of funding earning assets | 0.1749% | 4,664 |
| Net interest margin | 3.6435% | 1,998 |
| Noninterest income to average assets | 0.3158% | 3,574 |
| Noninterest expense to average assets | 3.0166% | 1,398 |
| Loan and lease loss provision to assets | 0.0765% | 3,425 |
| Net operating income to assets | 0.5372% | 3,949 |
| Return on assets (ROA) | 0.5372% | 4,040 |
| Pretax return on assets | 0.6819% | 3,920 |
| Return on Equity (ROE) | 5.5928% | 3,708 |
| Retained earnings to average equity (ytd only) | 1.9273% | 3,858 |
| Net charge-offs to loans | 0.0157% | 2,789 |
| Credit loss provision to net charge-offs | 685.7143% | 1,001 |
| Earnings coverage of net charge-offs (x) | 68.0000% | 997 |
| Efficiency ratio | 79.9105% | 900 |
| Assets per employee ($millions) | 4.0989% | 4,296 |
| Cash dividends to net income (ytd only)* | 65.5397% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4450% | 1,794 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1927% | 730 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 70.0132% | 1,558 |
| Net loans and leases to deposits | 77.3267% | 2,144 |
| Net loans and leases to core deposits | 77.7478% | 2,576 |
| Total domestic deposits to total assets | 90.5420% | 357 |
| Equity capital to assets | 9.2726% | 3,822 |
| Core capital (leverage) ratio | 8.9972% | 3,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $313,831,200 | 2,221 |
| Average earning assets | $297,952,400 | 2,196 |
| Average equity | $30,145,800 | 2,471 |
| Average total loans | $222,826,400 | 2,090 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8683% | 3,362 |
| Cost of funding earning assets | 0.1817% | 4,726 |
| Net interest margin | 3.6866% | 1,990 |
| Noninterest income to average assets | 0.2969% | 3,706 |
| Noninterest expense to average assets | 3.0244% | 1,390 |
| Loan and lease loss provision to assets | 0.0773% | 3,351 |
| Net operating income to assets | 0.5431% | 3,923 |
| Return on assets (ROA) | 0.5431% | 4,018 |
| Pretax return on assets | 0.6909% | 3,922 |
| Return on Equity (ROE) | 5.6026% | 3,689 |
| Retained earnings to average equity (ytd only) | 1.1923% | 4,184 |
| Net charge-offs to loans | 0.0278% | 2,276 |
| Credit loss provision to net charge-offs | 391.3043% | 1,484 |
| Earnings coverage of net charge-offs (x) | 38.8696% | 1,382 |
| Efficiency ratio | 79.7440% | 885 |
| Assets per employee ($millions) | 4.1219% | 4,220 |
| Cash dividends to net income (ytd only)* | 78.7184% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4170% | 1,662 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1860% | 855 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 69.5158% | 2,025 |
| Net loans and leases to deposits | 76.6810% | 2,687 |
| Net loans and leases to core deposits | 77.0957% | 3,087 |
| Total domestic deposits to total assets | 90.6558% | 245 |
| Equity capital to assets | 9.1398% | 4,009 |
| Core capital (leverage) ratio | 9.0029% | 3,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $310,310,500 | 2,218 |
| Average earning assets | $294,247,250 | 2,189 |
| Average equity | $30,080,750 | 2,469 |
| Average total loans | $220,295,750 | 2,106 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9907% | 3,351 |
| Cost of funding earning assets | 0.1913% | 4,782 |
| Net interest margin | 3.7994% | 1,837 |
| Noninterest income to average assets | 0.3068% | 3,622 |
| Noninterest expense to average assets | 3.0649% | 1,429 |
| Loan and lease loss provision to assets | 0.0790% | 3,307 |
| Net operating income to assets | 0.5964% | 3,753 |
| Return on assets (ROA) | 0.5964% | 3,830 |
| Pretax return on assets | 0.7583% | 3,713 |
| Return on Equity (ROE) | 6.0277% | 3,499 |
| Retained earnings to average equity (ytd only) | 1.7364% | 3,859 |
| Net charge-offs to loans | 0.0435% | 1,877 |
| Credit loss provision to net charge-offs | 255.3191% | 1,738 |
| Earnings coverage of net charge-offs (x) | 27.0638% | 1,500 |
| Efficiency ratio | 78.5425% | 1,002 |
| Assets per employee ($millions) | 4.0249% | 4,285 |
| Cash dividends to net income (ytd only)* | 71.1921% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4451% | 1,426 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2229% | 886 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 67.6531% | 2,417 |
| Net loans and leases to deposits | 74.8658% | 2,982 |
| Net loans and leases to core deposits | 75.2766% | 3,347 |
| Total domestic deposits to total assets | 90.3659% | 306 |
| Equity capital to assets | 9.2534% | 3,877 |
| Core capital (leverage) ratio | 9.3028% | 3,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $303,829,333 | 2,229 |
| Average earning assets | $287,519,000 | 2,208 |
| Average equity | $30,061,333 | 2,458 |
| Average total loans | $216,219,000 | 2,116 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2953% | 2,937 |
| Cost of funding earning assets | 0.2142% | 4,859 |
| Net interest margin | 4.0812% | 1,173 |
| Noninterest income to average assets | 0.4031% | 3,074 |
| Noninterest expense to average assets | 3.0895% | 1,665 |
| Loan and lease loss provision to assets | 0.0820% | 2,671 |
| Net operating income to assets | 0.8363% | 2,765 |
| Return on assets (ROA) | 0.8363% | 2,857 |
| Pretax return on assets | 1.0849% | 2,574 |
| Return on Equity (ROE) | 8.1578% | 2,450 |
| Retained earnings to average equity (ytd only) | 4.0256% | 2,670 |
| Net charge-offs to loans | 0.0885% | 1,166 |
| Credit loss provision to net charge-offs | 127.6596% | 1,679 |
| Earnings coverage of net charge-offs (x) | 18.1702% | 1,474 |
| Efficiency ratio | 72.5843% | 1,990 |
| Assets per employee ($millions) | 3.5976% | 4,394 |
| Cash dividends to net income (ytd only)* | 50.6536% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5031% | 1,329 |
| Loan loss allowance to noncurrent loans | 12,207.6923% | 59 |
| Noncurrent assets plus other real estate owned to assets | 1.3918% | 810 |
| Noncurrent loans to loans | 0.0123% | 4,520 |
| Net loans and leases to total assets | 70.5015% | 2,171 |
| Net loans and leases to deposits | 78.8519% | 2,790 |
| Net loans and leases to core deposits | 79.3356% | 3,251 |
| Total domestic deposits to total assets | 89.4100% | 503 |
| Equity capital to assets | 10.2514% | 3,554 |
| Core capital (leverage) ratio | 10.0767% | 3,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $292,734,500 | 2,251 |
| Average earning assets | $276,392,500 | 2,219 |
| Average equity | $30,008,000 | 2,451 |
| Average total loans | $212,430,500 | 2,109 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3313% | 3,452 |
| Cost of funding earning assets | 0.2260% | 4,905 |
| Net interest margin | 4.1053% | 1,527 |
| Noninterest income to average assets | 0.4509% | 3,000 |
| Noninterest expense to average assets | 3.2318% | 1,443 |
| Loan and lease loss provision to assets | 0.1660% | 1,260 |
| Net operating income to assets | 0.7172% | 3,811 |
| Return on assets (ROA) | 0.7172% | 3,877 |
| Pretax return on assets | 0.9229% | 3,671 |
| Return on Equity (ROE) | 7.1440% | 3,500 |
| Retained earnings to average equity (ytd only) | 4.0990% | 2,923 |
| Net charge-offs to loans | 0.0455% | 2,472 |
| Credit loss provision to net charge-offs | 500.0000% | 580 |
| Earnings coverage of net charge-offs (x) | 32.8021% | 1,494 |
| Efficiency ratio | 74.7979% | 1,513 |
| Assets per employee ($millions) | 3.4172% | 4,556 |
| Cash dividends to net income (ytd only)* | 42.6230% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4791% | 1,284 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4201% | 735 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 72.4851% | 2,014 |
| Net loans and leases to deposits | 80.9980% | 2,664 |
| Net loans and leases to core deposits | 81.5022% | 3,178 |
| Total domestic deposits to total assets | 89.4899% | 492 |
| Equity capital to assets | 10.2505% | 3,678 |
| Core capital (leverage) ratio | 9.8958% | 3,623 |
| Tier 1 risk-based capital ratio | 13.7198% | 3,405 |
| Total risk-based capital ratio | 14.9726% | 3,304 |
| Memoranda: | ||
| Average total assets | $289,187,000 | 2,224 |
| Average earning assets | $272,596,000 | 2,192 |
| Average equity | $29,031,400 | 2,448 |
| Average total loans | $210,794,000 | 2,077 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3209% | 3,594 |
| Cost of funding earning assets | 0.2276% | 4,978 |
| Net interest margin | 4.0933% | 1,631 |
| Noninterest income to average assets | 0.4551% | 2,991 |
| Noninterest expense to average assets | 3.1935% | 1,478 |
| Loan and lease loss provision to assets | 0.1662% | 1,124 |
| Net operating income to assets | 0.7422% | 3,874 |
| Return on assets (ROA) | 0.7422% | 3,937 |
| Pretax return on assets | 0.9545% | 3,724 |
| Return on Equity (ROE) | 7.4325% | 3,533 |
| Retained earnings to average equity (ytd only) | 4.5020% | 3,140 |
| Net charge-offs to loans | 0.0489% | 2,139 |
| Credit loss provision to net charge-offs | 467.5325% | 667 |
| Earnings coverage of net charge-offs (x) | 31.5337% | 1,582 |
| Efficiency ratio | 74.0238% | 1,565 |
| Assets per employee ($millions) | 3.4900% | 4,507 |
| Cash dividends to net income (ytd only)* | 39.4277% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4758% | 1,319 |
| Loan loss allowance to noncurrent loans | 1,125.0000% | 535 |
| Noncurrent assets plus other real estate owned to assets | 1.4999% | 738 |
| Noncurrent loans to loans | 0.1312% | 4,062 |
| Net loans and leases to total assets | 69.6864% | 2,520 |
| Net loans and leases to deposits | 77.7470% | 3,124 |
| Net loans and leases to core deposits | 78.2257% | 3,533 |
| Total domestic deposits to total assets | 89.6322% | 401 |
| Equity capital to assets | 10.0870% | 3,933 |
| Core capital (leverage) ratio | 9.9089% | 3,729 |
| Tier 1 risk-based capital ratio | 13.9629% | 3,350 |
| Total risk-based capital ratio | 15.2156% | 3,264 |
| Memoranda: | ||
| Average total assets | $288,867,750 | 2,240 |
| Average earning assets | $272,342,500 | 2,210 |
| Average equity | $28,845,750 | 2,470 |
| Average total loans | $210,066,500 | 2,101 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3352% | 3,528 |
| Cost of funding earning assets | 0.2289% | 5,017 |
| Net interest margin | 4.1063% | 1,591 |
| Noninterest income to average assets | 0.4488% | 2,964 |
| Noninterest expense to average assets | 3.1944% | 1,522 |
| Loan and lease loss provision to assets | 0.1670% | 1,088 |
| Net operating income to assets | 0.7452% | 3,853 |
| Return on assets (ROA) | 0.7452% | 3,914 |
| Pretax return on assets | 0.9574% | 3,685 |
| Return on Equity (ROE) | 7.4885% | 3,501 |
| Retained earnings to average equity (ytd only) | 3.6149% | 3,440 |
| Net charge-offs to loans | 0.0664% | 1,707 |
| Credit loss provision to net charge-offs | 342.8571% | 819 |
| Earnings coverage of net charge-offs (x) | 23.0857% | 1,665 |
| Efficiency ratio | 73.9649% | 1,653 |
| Assets per employee ($millions) | 3.3656% | 4,648 |
| Cash dividends to net income (ytd only)* | 51.7274% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3792% | 1,698 |
| Loan loss allowance to noncurrent loans | 550.8411% | 939 |
| Noncurrent assets plus other real estate owned to assets | 1.6289% | 660 |
| Noncurrent loans to loans | 0.2504% | 3,638 |
| Net loans and leases to total assets | 73.6621% | 1,940 |
| Net loans and leases to deposits | 82.1869% | 2,710 |
| Net loans and leases to core deposits | 82.7046% | 3,225 |
| Total domestic deposits to total assets | 89.6275% | 441 |
| Equity capital to assets | 10.1614% | 3,825 |
| Core capital (leverage) ratio | 9.8794% | 3,732 |
| Tier 1 risk-based capital ratio | 13.3346% | 3,672 |
| Total risk-based capital ratio | 14.5864% | 3,566 |
| Memoranda: | ||
| Average total assets | $287,437,330 | 2,254 |
| Average earning assets | $270,897,670 | 2,223 |
| Average equity | $28,604,000 | 2,478 |
| Average total loans | $210,971,330 | 2,107 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2575% | 3,682 |
| Cost of funding earning assets | 0.2253% | 5,053 |
| Net interest margin | 4.0322% | 1,745 |
| Noninterest income to average assets | 0.4318% | 2,962 |
| Noninterest expense to average assets | 3.1723% | 1,569 |
| Loan and lease loss provision to assets | 0.1666% | 1,007 |
| Net operating income to assets | 0.7080% | 3,908 |
| Return on assets (ROA) | 0.7080% | 3,954 |
| Pretax return on assets | 0.8941% | 3,785 |
| Return on Equity (ROE) | 7.1903% | 3,594 |
| Retained earnings to average equity (ytd only) | 3.3273% | 3,589 |
| Net charge-offs to loans | 0.0553% | 1,498 |
| Credit loss provision to net charge-offs | 413.7931% | 678 |
| Earnings coverage of net charge-offs (x) | 26.3448% | 1,407 |
| Efficiency ratio | 74.9426% | 1,617 |
| Assets per employee ($millions) | 3.3156% | 4,730 |
| Cash dividends to net income (ytd only)* | 53.7255% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3641% | 1,813 |
| Loan loss allowance to noncurrent loans | 488.5860% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 1.6335% | 687 |
| Noncurrent loans to loans | 0.2792% | 3,564 |
| Net loans and leases to total assets | 71.8930% | 2,185 |
| Net loans and leases to deposits | 80.0632% | 2,833 |
| Net loans and leases to core deposits | 80.5615% | 3,313 |
| Total domestic deposits to total assets | 89.7953% | 528 |
| Equity capital to assets | 9.9166% | 3,904 |
| Core capital (leverage) ratio | 9.7230% | 3,892 |
| Tier 1 risk-based capital ratio | 12.7100% | 4,037 |
| Total risk-based capital ratio | 13.9610% | 3,931 |
| Memoranda: | ||
| Average total assets | $288,119,000 | 2,260 |
| Average earning assets | $271,616,000 | 2,227 |
| Average equity | $28,371,500 | 2,494 |
| Average total loans | $209,619,500 | 2,139 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1051% | 3,727 |
| Cost of funding earning assets | 0.1876% | 5,052 |
| Net interest margin | 3.9174% | 2,271 |
| Noninterest income to average assets | 0.4599% | 3,046 |
| Noninterest expense to average assets | 3.1948% | 1,563 |
| Loan and lease loss provision to assets | 0.1650% | 1,230 |
| Net operating income to assets | 0.6228% | 4,358 |
| Return on assets (ROA) | 0.6228% | 4,368 |
| Pretax return on assets | 0.7813% | 4,223 |
| Return on Equity (ROE) | 6.5789% | 3,978 |
| Retained earnings to average equity (ytd only) | 3.5690% | 3,625 |
| Net charge-offs to loans | 0.0134% | 3,231 |
| Credit loss provision to net charge-offs | 1,714.2857% | 251 |
| Earnings coverage of net charge-offs (x) | 98.3214% | 743 |
| Efficiency ratio | 77.1497% | 1,218 |
| Assets per employee ($millions) | 3.3079% | 4,729 |
| Cash dividends to net income (ytd only)* | 45.7506% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3288% | 1,909 |
| Loan loss allowance to noncurrent loans | 1,055.8935% | 587 |
| Noncurrent assets plus other real estate owned to assets | 1.5314% | 761 |
| Noncurrent loans to loans | 0.1258% | 4,166 |
| Net loans and leases to total assets | 71.6564% | 2,319 |
| Net loans and leases to deposits | 79.6025% | 2,999 |
| Net loans and leases to core deposits | 79.9103% | 3,434 |
| Total domestic deposits to total assets | 90.0178% | 475 |
| Equity capital to assets | 9.7775% | 3,879 |
| Core capital (leverage) ratio | 9.5467% | 4,064 |
| Tier 1 risk-based capital ratio | 12.6758% | 4,031 |
| Total risk-based capital ratio | 13.9263% | 3,919 |
| Memoranda: | ||
| Average total assets | $290,938,400 | 2,202 |
| Average earning assets | $273,394,200 | 2,171 |
| Average equity | $27,542,600 | 2,481 |
| Average total loans | $209,411,400 | 2,100 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0271% | 3,852 |
| Cost of funding earning assets | 0.1810% | 5,091 |
| Net interest margin | 3.8461% | 2,483 |
| Noninterest income to average assets | 0.4570% | 3,123 |
| Noninterest expense to average assets | 3.1801% | 1,572 |
| Loan and lease loss provision to assets | 0.1645% | 1,154 |
| Net operating income to assets | 0.5777% | 4,560 |
| Return on assets (ROA) | 0.5777% | 4,567 |
| Pretax return on assets | 0.7249% | 4,480 |
| Return on Equity (ROE) | 6.1521% | 4,223 |
| Retained earnings to average equity (ytd only) | 3.3778% | 4,070 |
| Net charge-offs to loans | 0.0204% | 2,728 |
| Credit loss provision to net charge-offs | 1,125.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 60.8062% | 1,055 |
| Efficiency ratio | 78.1447% | 1,106 |
| Assets per employee ($millions) | 3.3680% | 4,711 |
| Cash dividends to net income (ytd only)* | 45.0949% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 2,291 |
| Loan loss allowance to noncurrent loans | 300.4530% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 1.7336% | 695 |
| Noncurrent loans to loans | 0.4206% | 3,150 |
| Net loans and leases to total assets | 72.4154% | 2,268 |
| Net loans and leases to deposits | 80.3382% | 3,002 |
| Net loans and leases to core deposits | 80.7746% | 3,436 |
| Total domestic deposits to total assets | 90.1382% | 463 |
| Equity capital to assets | 9.6442% | 3,956 |
| Core capital (leverage) ratio | 9.4431% | 4,240 |
| Tier 1 risk-based capital ratio | 12.4534% | 4,223 |
| Total risk-based capital ratio | 13.6648% | 4,136 |
| Memoranda: | ||
| Average total assets | $291,727,250 | 2,210 |
| Average earning assets | $274,002,750 | 2,180 |
| Average equity | $27,393,750 | 2,496 |
| Average total loans | $209,516,250 | 2,102 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9388% | 3,962 |
| Cost of funding earning assets | 0.1721% | 5,141 |
| Net interest margin | 3.7668% | 2,687 |
| Noninterest income to average assets | 0.4156% | 3,384 |
| Noninterest expense to average assets | 3.1511% | 1,657 |
| Loan and lease loss provision to assets | 0.1635% | 1,134 |
| Net operating income to assets | 0.5130% | 4,719 |
| Return on assets (ROA) | 0.5130% | 4,726 |
| Pretax return on assets | 0.6357% | 4,673 |
| Return on Equity (ROE) | 5.5120% | 4,405 |
| Retained earnings to average equity (ytd only) | 2.5035% | 4,253 |
| Net charge-offs to loans | 0.0162% | 2,596 |
| Credit loss provision to net charge-offs | 1,411.7647% | 301 |
| Earnings coverage of net charge-offs (x) | 69.0000% | 920 |
| Efficiency ratio | 79.7689% | 1,038 |
| Assets per employee ($millions) | 3.4464% | 4,663 |
| Cash dividends to net income (ytd only)* | 54.5817% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 2,612 |
| Loan loss allowance to noncurrent loans | 245.7088% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 2.0355% | 526 |
| Noncurrent loans to loans | 0.4957% | 2,943 |
| Net loans and leases to total assets | 70.5398% | 2,496 |
| Net loans and leases to deposits | 77.9519% | 3,164 |
| Net loans and leases to core deposits | 78.3575% | 3,547 |
| Total domestic deposits to total assets | 90.4914% | 399 |
| Equity capital to assets | 9.3533% | 4,240 |
| Core capital (leverage) ratio | 9.2697% | 4,396 |
| Tier 1 risk-based capital ratio | 12.3157% | 4,299 |
| Total risk-based capital ratio | 13.4814% | 4,235 |
| Memoranda: | ||
| Average total assets | $293,544,330 | 2,209 |
| Average earning assets | $275,461,670 | 2,186 |
| Average equity | $27,322,000 | 2,513 |
| Average total loans | $209,368,000 | 2,107 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8666% | 4,028 |
| Cost of funding earning assets | 0.1665% | 5,179 |
| Net interest margin | 3.7000% | 2,797 |
| Noninterest income to average assets | 0.4560% | 3,070 |
| Noninterest expense to average assets | 3.1527% | 1,684 |
| Loan and lease loss provision to assets | 0.1634% | 1,101 |
| Net operating income to assets | 0.5078% | 4,675 |
| Return on assets (ROA) | 0.5078% | 4,682 |
| Pretax return on assets | 0.6180% | 4,646 |
| Return on Equity (ROE) | 5.4686% | 4,324 |
| Retained earnings to average equity (ytd only) | 2.5071% | 4,165 |
| Net charge-offs to loans | 0.0325% | 1,852 |
| Credit loss provision to net charge-offs | 705.8824% | 470 |
| Earnings coverage of net charge-offs (x) | 33.7647% | 1,172 |
| Efficiency ratio | 80.1384% | 1,121 |
| Assets per employee ($millions) | 3.3229% | 4,878 |
| Cash dividends to net income (ytd only)* | 54.1555% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1576% | 3,054 |
| Loan loss allowance to noncurrent loans | 210.7639% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 2.1028% | 521 |
| Noncurrent loans to loans | 0.5492% | 2,880 |
| Net loans and leases to total assets | 70.8969% | 2,347 |
| Net loans and leases to deposits | 78.4370% | 2,968 |
| Net loans and leases to core deposits | 78.9649% | 3,408 |
| Total domestic deposits to total assets | 90.3871% | 506 |
| Equity capital to assets | 9.3171% | 4,252 |
| Core capital (leverage) ratio | 9.1714% | 4,477 |
| Tier 1 risk-based capital ratio | 12.0041% | 4,542 |
| Total risk-based capital ratio | 13.1154% | 4,520 |
| Memoranda: | ||
| Average total assets | $293,844,500 | 2,229 |
| Average earning assets | $276,215,000 | 2,203 |
| Average equity | $27,283,000 | 2,537 |
| Average total loans | $209,457,000 | 2,121 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9080% | 3,698 |
| Cost of funding earning assets | 0.1701% | 5,152 |
| Net interest margin | 3.7378% | 2,642 |
| Noninterest income to average assets | 0.4935% | 3,039 |
| Noninterest expense to average assets | 3.2886% | 1,401 |
| Loan and lease loss provision to assets | 0.1630% | 1,364 |
| Net operating income to assets | 0.1980% | 5,116 |
| Return on assets (ROA) | 0.1980% | 5,131 |
| Pretax return on assets | 0.5418% | 4,860 |
| Return on Equity (ROE) | 2.0935% | 5,042 |
| Retained earnings to average equity (ytd only) | -3.6161% | 5,380 |
| Net charge-offs to loans | 0.4905% | 486 |
| Credit loss provision to net charge-offs | 47.4777% | 3,358 |
| Earnings coverage of net charge-offs (x) | 2.0524% | 3,808 |
| Efficiency ratio | 82.3509% | 906 |
| Assets per employee ($millions) | 3.3176% | 4,918 |
| Cash dividends to net income (ytd only)* | 272.7273% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 3,284 |
| Loan loss allowance to noncurrent loans | 137.2491% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 2.2661% | 445 |
| Noncurrent loans to loans | 0.8099% | 2,187 |
| Net loans and leases to total assets | 70.0528% | 2,518 |
| Net loans and leases to deposits | 77.4039% | 3,179 |
| Net loans and leases to core deposits | 77.9177% | 3,592 |
| Total domestic deposits to total assets | 90.5029% | 397 |
| Equity capital to assets | 9.2529% | 4,473 |
| Core capital (leverage) ratio | 9.0097% | 4,639 |
| Tier 1 risk-based capital ratio | 11.8802% | 4,609 |
| Total risk-based capital ratio | 12.9403% | 4,613 |
| Memoranda: | ||
| Average total assets | $294,413,400 | 2,197 |
| Average earning assets | $275,667,800 | 2,180 |
| Average equity | $27,848,000 | 2,494 |
| Average total loans | $206,097,400 | 2,110 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8251% | 3,918 |
| Cost of funding earning assets | 0.1700% | 5,199 |
| Net interest margin | 3.6551% | 2,931 |
| Noninterest income to average assets | 0.5117% | 2,962 |
| Noninterest expense to average assets | 3.3133% | 1,315 |
| Loan and lease loss provision to assets | 0.1632% | 1,247 |
| Net operating income to assets | 0.3553% | 5,094 |
| Return on assets (ROA) | 0.3553% | 5,114 |
| Pretax return on assets | 0.4555% | 5,107 |
| Return on Equity (ROE) | 3.7360% | 4,934 |
| Retained earnings to average equity (ytd only) | -2.5542% | 5,458 |
| Net charge-offs to loans | 0.6461% | 306 |
| Credit loss provision to net charge-offs | 36.1809% | 3,031 |
| Earnings coverage of net charge-offs (x) | 1.3719% | 3,578 |
| Efficiency ratio | 84.2669% | 735 |
| Assets per employee ($millions) | 3.3349% | 4,934 |
| Cash dividends to net income (ytd only)* | 168.3673% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0447% | 3,820 |
| Loan loss allowance to noncurrent loans | 48.1465% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 3.2584% | 261 |
| Noncurrent loans to loans | 2.1698% | 756 |
| Net loans and leases to total assets | 70.8814% | 2,426 |
| Net loans and leases to deposits | 78.4314% | 3,124 |
| Net loans and leases to core deposits | 78.9485% | 3,540 |
| Total domestic deposits to total assets | 90.3737% | 357 |
| Equity capital to assets | 9.3944% | 4,551 |
| Core capital (leverage) ratio | 8.8737% | 4,900 |
| Tier 1 risk-based capital ratio | 11.6673% | 4,846 |
| Total risk-based capital ratio | 12.6586% | 4,895 |
| Memoranda: | ||
| Average total assets | $294,199,250 | 2,216 |
| Average earning assets | $275,294,750 | 2,198 |
| Average equity | $27,979,750 | 2,505 |
| Average total loans | $205,329,250 | 2,127 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7598% | 4,032 |
| Cost of funding earning assets | 0.1715% | 5,194 |
| Net interest margin | 3.5883% | 3,083 |
| Noninterest income to average assets | 0.5475% | 2,731 |
| Noninterest expense to average assets | 3.3648% | 1,243 |
| Loan and lease loss provision to assets | 0.1636% | 1,221 |
| Net operating income to assets | 0.3027% | 5,212 |
| Return on assets (ROA) | 0.3027% | 5,231 |
| Pretax return on assets | 0.3716% | 5,232 |
| Return on Equity (ROE) | 3.1701% | 5,067 |
| Retained earnings to average equity (ytd only) | -4.9693% | 5,535 |
| Net charge-offs to loans | 0.0030% | 3,393 |
| Credit loss provision to net charge-offs | 8,000.0000% | 43 |
| Earnings coverage of net charge-offs (x) | 261.6667% | 328 |
| Efficiency ratio | 86.2762% | 673 |
| Assets per employee ($millions) | 3.3088% | 4,973 |
| Cash dividends to net income (ytd only)* | 256.7568% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4579% | 1,733 |
| Loan loss allowance to noncurrent loans | 60.7901% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 3.4359% | 237 |
| Noncurrent loans to loans | 2.3982% | 653 |
| Net loans and leases to total assets | 70.9937% | 2,377 |
| Net loans and leases to deposits | 78.6859% | 3,047 |
| Net loans and leases to core deposits | 79.1821% | 3,489 |
| Total domestic deposits to total assets | 90.2242% | 458 |
| Equity capital to assets | 9.3938% | 4,520 |
| Core capital (leverage) ratio | 8.9120% | 4,825 |
| Tier 1 risk-based capital ratio | 11.5431% | 4,929 |
| Total risk-based capital ratio | 12.7966% | 4,819 |
| Memoranda: | ||
| Average total assets | $293,331,330 | 2,232 |
| Average earning assets | $274,056,330 | 2,208 |
| Average equity | $28,012,000 | 2,505 |
| Average total loans | $202,906,000 | 2,142 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6729% | 4,194 |
| Cost of funding earning assets | 0.1699% | 5,241 |
| Net interest margin | 3.5030% | 3,265 |
| Noninterest income to average assets | 0.6586% | 2,141 |
| Noninterest expense to average assets | 3.4035% | 1,198 |
| Loan and lease loss provision to assets | 0.1640% | 1,095 |
| Net operating income to assets | 0.2992% | 5,192 |
| Return on assets (ROA) | 0.2992% | 5,209 |
| Pretax return on assets | 0.3580% | 5,226 |
| Return on Equity (ROE) | 3.1079% | 5,068 |
| Retained earnings to average equity (ytd only) | -0.7805% | 5,039 |
| Net charge-offs to loans | 0.0081% | 2,693 |
| Credit loss provision to net charge-offs | 3,000.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 95.5000% | 560 |
| Efficiency ratio | 86.7038% | 746 |
| Assets per employee ($millions) | 3.2852% | 5,059 |
| Cash dividends to net income (ytd only)* | 125.1142% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4574% | 1,838 |
| Loan loss allowance to noncurrent loans | 58.6078% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 3.4163% | 254 |
| Noncurrent loans to loans | 2.4867% | 627 |
| Net loans and leases to total assets | 67.9661% | 2,692 |
| Net loans and leases to deposits | 75.2186% | 3,279 |
| Net loans and leases to core deposits | 75.6900% | 3,684 |
| Total domestic deposits to total assets | 90.3581% | 528 |
| Equity capital to assets | 9.5299% | 4,257 |
| Core capital (leverage) ratio | 9.2697% | 4,383 |
| Tier 1 risk-based capital ratio | 12.1960% | 4,585 |
| Total risk-based capital ratio | 13.4495% | 4,482 |
| Memoranda: | ||
| Average total assets | $292,756,500 | 2,247 |
| Average earning assets | $273,026,000 | 2,228 |
| Average equity | $28,186,500 | 2,501 |
| Average total loans | $198,281,000 | 2,196 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8455% | 3,757 |
| Cost of funding earning assets | 0.1744% | 5,253 |
| Net interest margin | 3.6711% | 2,815 |
| Noninterest income to average assets | 0.1833% | 5,302 |
| Noninterest expense to average assets | 3.2469% | 1,691 |
| Loan and lease loss provision to assets | 0.1632% | 1,512 |
| Net operating income to assets | 0.2010% | 5,414 |
| Return on assets (ROA) | 0.2010% | 5,469 |
| Pretax return on assets | 0.1803% | 5,515 |
| Return on Equity (ROE) | 2.0534% | 5,397 |
| Retained earnings to average equity (ytd only) | -1.1396% | 5,459 |
| Net charge-offs to loans | 0.4653% | 541 |
| Credit loss provision to net charge-offs | 51.0638% | 3,364 |
| Earnings coverage of net charge-offs (x) | 1.0745% | 4,046 |
| Efficiency ratio | 90.4329% | 531 |
| Assets per employee ($millions) | 3.1505% | 5,215 |
| Cash dividends to net income (ytd only)* | 155.4992% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4826% | 1,739 |
| Loan loss allowance to noncurrent loans | 54.4726% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 4.1805% | 175 |
| Noncurrent loans to loans | 2.7217% | 549 |
| Net loans and leases to total assets | 65.4764% | 3,149 |
| Net loans and leases to deposits | 72.6067% | 3,648 |
| Net loans and leases to core deposits | 73.0713% | 4,003 |
| Total domestic deposits to total assets | 90.1796% | 570 |
| Equity capital to assets | 9.7280% | 4,029 |
| Core capital (leverage) ratio | 9.1984% | 4,482 |
| Tier 1 risk-based capital ratio | 12.9924% | 4,084 |
| Total risk-based capital ratio | 14.2486% | 3,980 |
| Memoranda: | ||
| Average total assets | $294,032,000 | 2,200 |
| Average earning assets | $272,890,800 | 2,191 |
| Average equity | $28,781,600 | 2,468 |
| Average total loans | $202,017,400 | 2,108 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8008% | 3,914 |
| Cost of funding earning assets | 0.1753% | 5,303 |
| Net interest margin | 3.6256% | 2,983 |
| Noninterest income to average assets | 0.4586% | 3,499 |
| Noninterest expense to average assets | 3.2013% | 1,770 |
| Loan and lease loss provision to assets | 0.1898% | 1,149 |
| Net operating income to assets | 0.3732% | 5,105 |
| Return on assets (ROA) | 0.3732% | 5,192 |
| Pretax return on assets | 0.4320% | 5,257 |
| Return on Equity (ROE) | 3.8071% | 4,981 |
| Retained earnings to average equity (ytd only) | 0.6314% | 5,195 |
| Net charge-offs to loans | 0.6257% | 331 |
| Credit loss provision to net charge-offs | 43.7956% | 3,115 |
| Earnings coverage of net charge-offs (x) | 1.4348% | 3,694 |
| Efficiency ratio | 83.7371% | 1,012 |
| Assets per employee ($millions) | 3.2586% | 5,095 |
| Cash dividends to net income (ytd only)* | 83.4134% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3666% | 2,356 |
| Loan loss allowance to noncurrent loans | 51.6267% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 4.4638% | 175 |
| Noncurrent loans to loans | 2.6472% | 629 |
| Net loans and leases to total assets | 68.3401% | 2,748 |
| Net loans and leases to deposits | 76.0351% | 3,397 |
| Net loans and leases to core deposits | 76.5170% | 3,788 |
| Total domestic deposits to total assets | 89.8796% | 524 |
| Equity capital to assets | 9.9035% | 4,236 |
| Core capital (leverage) ratio | 9.3304% | 4,423 |
| Tier 1 risk-based capital ratio | 12.6065% | 4,406 |
| Total risk-based capital ratio | 13.8611% | 4,306 |
| Memoranda: | ||
| Average total assets | $295,078,750 | 2,204 |
| Average earning assets | $273,826,750 | 2,199 |
| Average equity | $28,928,000 | 2,468 |
| Average total loans | $204,362,750 | 2,093 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8031% | 3,948 |
| Cost of funding earning assets | 0.1750% | 5,369 |
| Net interest margin | 3.6281% | 2,981 |
| Noninterest income to average assets | 0.4424% | 3,575 |
| Noninterest expense to average assets | 3.1859% | 1,845 |
| Loan and lease loss provision to assets | 0.2029% | 1,058 |
| Net operating income to assets | 0.3328% | 5,232 |
| Return on assets (ROA) | 0.3328% | 5,311 |
| Pretax return on assets | 0.4194% | 5,309 |
| Return on Equity (ROE) | 3.4061% | 5,120 |
| Retained earnings to average equity (ytd only) | 0.2215% | 5,240 |
| Net charge-offs to loans | 0.9397% | 198 |
| Credit loss provision to net charge-offs | 31.1850% | 2,849 |
| Earnings coverage of net charge-offs (x) | 0.9563% | 3,467 |
| Efficiency ratio | 83.6590% | 1,082 |
| Assets per employee ($millions) | 3.2810% | 5,100 |
| Cash dividends to net income (ytd only)* | 93.4959% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3037% | 2,760 |
| Loan loss allowance to noncurrent loans | 46.4717% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 4.5504% | 173 |
| Noncurrent loans to loans | 2.8053% | 561 |
| Net loans and leases to total assets | 68.0416% | 2,770 |
| Net loans and leases to deposits | 75.6426% | 3,420 |
| Net loans and leases to core deposits | 76.1181% | 3,810 |
| Total domestic deposits to total assets | 89.9513% | 507 |
| Equity capital to assets | 9.8099% | 4,439 |
| Core capital (leverage) ratio | 9.0476% | 4,770 |
| Tier 1 risk-based capital ratio | 12.4047% | 4,592 |
| Total risk-based capital ratio | 13.6470% | 4,510 |
| Memoranda: | ||
| Average total assets | $295,681,670 | 2,208 |
| Average earning assets | $274,300,000 | 2,209 |
| Average equity | $28,889,330 | 2,462 |
| Average total loans | $204,751,000 | 2,100 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7794% | 4,019 |
| Cost of funding earning assets | 0.1747% | 5,421 |
| Net interest margin | 3.6047% | 3,065 |
| Noninterest income to average assets | 0.4367% | 3,565 |
| Noninterest expense to average assets | 3.2189% | 1,794 |
| Loan and lease loss provision to assets | 0.2433% | 734 |
| Net operating income to assets | 0.2744% | 5,368 |
| Return on assets (ROA) | 0.2744% | 5,444 |
| Pretax return on assets | 0.3218% | 5,470 |
| Return on Equity (ROE) | 2.8146% | 5,296 |
| Retained earnings to average equity (ytd only) | -0.3744% | 5,182 |
| Net charge-offs to loans | 1.9227% | 80 |
| Credit loss provision to net charge-offs | 18.2371% | 2,310 |
| Earnings coverage of net charge-offs (x) | 0.4235% | 2,931 |
| Efficiency ratio | 85.0661% | 1,056 |
| Assets per employee ($millions) | 3.2297% | 5,227 |
| Cash dividends to net income (ytd only)* | 113.3005% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2298% | 3,309 |
| Loan loss allowance to noncurrent loans | 43.1842% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 4.6257% | 186 |
| Noncurrent loans to loans | 2.8479% | 595 |
| Net loans and leases to total assets | 68.5623% | 2,567 |
| Net loans and leases to deposits | 76.2268% | 3,195 |
| Net loans and leases to core deposits | 76.7073% | 3,610 |
| Total domestic deposits to total assets | 89.9452% | 625 |
| Equity capital to assets | 9.8309% | 4,302 |
| Core capital (leverage) ratio | 9.1061% | 4,728 |
| Tier 1 risk-based capital ratio | 12.3165% | 4,720 |
| Total risk-based capital ratio | 13.4840% | 4,665 |
| Memoranda: | ||
| Average total assets | $295,876,000 | 2,209 |
| Average earning assets | $274,749,000 | 2,211 |
| Average equity | $28,850,000 | 2,446 |
| Average total loans | $205,338,500 | 2,095 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7952% | 4,057 |
| Cost of funding earning assets | 0.2004% | 5,285 |
| Net interest margin | 3.5948% | 3,159 |
| Noninterest income to average assets | 0.4710% | 3,524 |
| Noninterest expense to average assets | 3.0739% | 2,313 |
| Loan and lease loss provision to assets | 0.3160% | 524 |
| Net operating income to assets | 0.3266% | 5,282 |
| Return on assets (ROA) | 0.3266% | 5,365 |
| Pretax return on assets | 0.4111% | 5,297 |
| Return on Equity (ROE) | 3.3969% | 5,167 |
| Retained earnings to average equity (ytd only) | -0.3079% | 5,555 |
| Net charge-offs to loans | 0.0402% | 3,421 |
| Credit loss provision to net charge-offs | 1,144.5783% | 297 |
| Earnings coverage of net charge-offs (x) | 26.3373% | 1,590 |
| Efficiency ratio | 80.8715% | 1,550 |
| Assets per employee ($millions) | 3.2731% | 5,187 |
| Cash dividends to net income (ytd only)* | 109.0631% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6045% | 1,599 |
| Loan loss allowance to noncurrent loans | 28.3443% | 5,363 |
| Noncurrent assets plus other real estate owned to assets | 6.5415% | 119 |
| Noncurrent loans to loans | 5.6609% | 155 |
| Net loans and leases to total assets | 68.2713% | 2,665 |
| Net loans and leases to deposits | 75.7543% | 3,285 |
| Net loans and leases to core deposits | 76.2242% | 3,736 |
| Total domestic deposits to total assets | 90.1220% | 582 |
| Equity capital to assets | 9.6715% | 4,341 |
| Core capital (leverage) ratio | 8.8722% | 5,036 |
| Tier 1 risk-based capital ratio | 11.7156% | 5,123 |
| Total risk-based capital ratio | 12.9763% | 5,036 |
| Memoranda: | ||
| Average total assets | $300,659,600 | 2,144 |
| Average earning assets | $278,512,200 | 2,148 |
| Average equity | $28,908,800 | 2,398 |
| Average total loans | $206,497,800 | 2,013 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8448% | 3,954 |
| Cost of funding earning assets | 0.2064% | 5,322 |
| Net interest margin | 3.6384% | 3,004 |
| Noninterest income to average assets | 0.4632% | 3,608 |
| Noninterest expense to average assets | 3.0527% | 2,355 |
| Loan and lease loss provision to assets | 0.3318% | 416 |
| Net operating income to assets | 0.3486% | 5,318 |
| Return on assets (ROA) | 0.3486% | 5,404 |
| Pretax return on assets | 0.4482% | 5,352 |
| Return on Equity (ROE) | 3.6311% | 5,168 |
| Retained earnings to average equity (ytd only) | -0.2442% | 5,647 |
| Net charge-offs to loans | 0.0530% | 2,850 |
| Credit loss provision to net charge-offs | 914.6341% | 397 |
| Earnings coverage of net charge-offs (x) | 21.5001% | 1,821 |
| Efficiency ratio | 79.6491% | 1,714 |
| Assets per employee ($millions) | 3.4389% | 4,909 |
| Cash dividends to net income (ytd only)* | 106.7264% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5096% | 2,120 |
| Loan loss allowance to noncurrent loans | 47.0420% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 4.7670% | 216 |
| Noncurrent loans to loans | 3.2091% | 524 |
| Net loans and leases to total assets | 67.1997% | 2,820 |
| Net loans and leases to deposits | 74.5264% | 3,484 |
| Net loans and leases to core deposits | 74.9876% | 3,908 |
| Total domestic deposits to total assets | 90.1689% | 509 |
| Equity capital to assets | 9.5690% | 4,670 |
| Core capital (leverage) ratio | 8.8482% | 5,182 |
| Tier 1 risk-based capital ratio | 11.8375% | 5,176 |
| Total risk-based capital ratio | 13.0970% | 5,095 |
| Memoranda: | ||
| Average total assets | $301,361,250 | 2,156 |
| Average earning assets | $279,086,500 | 2,156 |
| Average equity | $28,934,250 | 2,411 |
| Average total loans | $206,456,250 | 2,032 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7998% | 4,068 |
| Cost of funding earning assets | 0.2145% | 5,312 |
| Net interest margin | 3.5853% | 3,150 |
| Noninterest income to average assets | 0.4705% | 3,557 |
| Noninterest expense to average assets | 3.0910% | 2,269 |
| Loan and lease loss provision to assets | 0.2392% | 760 |
| Net operating income to assets | 0.3562% | 5,270 |
| Return on assets (ROA) | 0.3562% | 5,384 |
| Pretax return on assets | 0.4612% | 5,326 |
| Return on Equity (ROE) | 3.7060% | 5,138 |
| Retained earnings to average equity (ytd only) | -0.5186% | 5,612 |
| Net charge-offs to loans | 0.0717% | 2,364 |
| Credit loss provision to net charge-offs | 486.4865% | 642 |
| Earnings coverage of net charge-offs (x) | 14.2432% | 2,071 |
| Efficiency ratio | 81.5250% | 1,555 |
| Assets per employee ($millions) | 3.4425% | 4,910 |
| Cash dividends to net income (ytd only)* | 113.9925% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2929% | 3,282 |
| Loan loss allowance to noncurrent loans | 41.6159% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 4.7937% | 245 |
| Noncurrent loans to loans | 3.1066% | 623 |
| Net loans and leases to total assets | 69.7217% | 2,359 |
| Net loans and leases to deposits | 77.3347% | 3,111 |
| Net loans and leases to core deposits | 77.8180% | 3,600 |
| Total domestic deposits to total assets | 90.1558% | 593 |
| Equity capital to assets | 9.6412% | 4,482 |
| Core capital (leverage) ratio | 8.8693% | 5,132 |
| Tier 1 risk-based capital ratio | 11.6975% | 5,345 |
| Total risk-based capital ratio | 12.8982% | 5,289 |
| Memoranda: | ||
| Average total assets | $300,941,000 | 2,181 |
| Average earning assets | $278,752,670 | 2,172 |
| Average equity | $28,926,330 | 2,424 |
| Average total loans | $206,449,000 | 2,038 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7446% | 4,214 |
| Cost of funding earning assets | 0.2220% | 5,298 |
| Net interest margin | 3.5225% | 3,336 |
| Noninterest income to average assets | 0.4866% | 3,382 |
| Noninterest expense to average assets | 3.0829% | 2,325 |
| Loan and lease loss provision to assets | 0.2387% | 713 |
| Net operating income to assets | 0.3368% | 5,295 |
| Return on assets (ROA) | 0.3368% | 5,405 |
| Pretax return on assets | 0.4256% | 5,373 |
| Return on Equity (ROE) | 3.5093% | 5,173 |
| Retained earnings to average equity (ytd only) | 0.4283% | 5,238 |
| Net charge-offs to loans | 0.0608% | 2,138 |
| Credit loss provision to net charge-offs | 580.6452% | 486 |
| Earnings coverage of net charge-offs (x) | 16.1613% | 1,589 |
| Efficiency ratio | 82.2718% | 1,582 |
| Assets per employee ($millions) | 3.2868% | 5,258 |
| Cash dividends to net income (ytd only)* | 87.7953% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 3,646 |
| Loan loss allowance to noncurrent loans | 43.7153% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 4.5207% | 297 |
| Noncurrent loans to loans | 2.8767% | 784 |
| Net loans and leases to total assets | 67.4616% | 2,535 |
| Net loans and leases to deposits | 74.7275% | 3,191 |
| Net loans and leases to core deposits | 75.3606% | 3,658 |
| Total domestic deposits to total assets | 90.2767% | 619 |
| Equity capital to assets | 9.5867% | 4,653 |
| Core capital (leverage) ratio | 9.4314% | 4,379 |
| Tier 1 risk-based capital ratio | 12.1893% | 5,120 |
| Total risk-based capital ratio | 13.3152% | 5,100 |
| Memoranda: | ||
| Average total assets | $301,664,000 | 2,190 |
| Average earning assets | $279,231,500 | 2,183 |
| Average equity | $28,952,000 | 2,432 |
| Average total loans | $203,899,500 | 2,060 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7437% | 4,663 |
| Cost of funding earning assets | 0.2529% | 5,292 |
| Net interest margin | 3.4908% | 3,832 |
| Noninterest income to average assets | 0.3242% | 4,801 |
| Noninterest expense to average assets | 3.1520% | 2,353 |
| Loan and lease loss provision to assets | 0.2370% | 1,004 |
| Net operating income to assets | 0.1517% | 5,870 |
| Return on assets (ROA) | 0.1517% | 5,917 |
| Pretax return on assets | 0.1616% | 5,926 |
| Return on Equity (ROE) | 1.5926% | 5,866 |
| Retained earnings to average equity (ytd only) | -1.1159% | 5,935 |
| Net charge-offs to loans | 0.6729% | 564 |
| Credit loss provision to net charge-offs | 53.5316% | 3,413 |
| Earnings coverage of net charge-offs (x) | 0.9004% | 4,541 |
| Efficiency ratio | 88.7735% | 930 |
| Assets per employee ($millions) | 3.3814% | 5,103 |
| Cash dividends to net income (ytd only)* | 170.0651% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 3,898 |
| Loan loss allowance to noncurrent loans | 43.7712% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 4.9697% | 281 |
| Noncurrent loans to loans | 2.7807% | 855 |
| Net loans and leases to total assets | 66.0452% | 2,874 |
| Net loans and leases to deposits | 73.1561% | 3,535 |
| Net loans and leases to core deposits | 73.7768% | 3,939 |
| Total domestic deposits to total assets | 90.2798% | 616 |
| Equity capital to assets | 9.6082% | 4,578 |
| Core capital (leverage) ratio | 8.9333% | 5,082 |
| Tier 1 risk-based capital ratio | 12.2969% | 5,157 |
| Total risk-based capital ratio | 13.4065% | 5,165 |
| Memoranda: | ||
| Average total assets | $303,807,400 | 2,142 |
| Average earning assets | $280,795,400 | 2,116 |
| Average equity | $28,946,200 | 2,351 |
| Average total loans | $199,867,200 | 2,038 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7087% | 4,830 |
| Cost of funding earning assets | 0.2550% | 5,353 |
| Net interest margin | 3.4536% | 4,005 |
| Noninterest income to average assets | 0.2662% | 5,299 |
| Noninterest expense to average assets | 3.1261% | 2,394 |
| Loan and lease loss provision to assets | 0.2102% | 1,102 |
| Net operating income to assets | 0.1283% | 5,984 |
| Return on assets (ROA) | 0.1283% | 6,016 |
| Pretax return on assets | 0.1257% | 6,033 |
| Return on Equity (ROE) | 1.3492% | 5,978 |
| Retained earnings to average equity (ytd only) | -1.2433% | 5,996 |
| Net charge-offs to loans | 0.5025% | 769 |
| Credit loss provision to net charge-offs | 63.8298% | 2,881 |
| Earnings coverage of net charge-offs (x) | 1.0199% | 4,256 |
| Efficiency ratio | 90.2997% | 828 |
| Assets per employee ($millions) | 3.3318% | 5,182 |
| Cash dividends to net income (ytd only)* | 192.1492% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 3,266 |
| Loan loss allowance to noncurrent loans | 51.9466% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 5.0598% | 333 |
| Noncurrent loans to loans | 2.6569% | 1,080 |
| Net loans and leases to total assets | 66.0367% | 2,863 |
| Net loans and leases to deposits | 73.1176% | 3,547 |
| Net loans and leases to core deposits | 73.7315% | 3,969 |
| Total domestic deposits to total assets | 90.3158% | 608 |
| Equity capital to assets | 9.5038% | 4,791 |
| Core capital (leverage) ratio | 8.8783% | 5,221 |
| Tier 1 risk-based capital ratio | 11.9478% | 5,522 |
| Total risk-based capital ratio | 13.1863% | 5,449 |
| Memoranda: | ||
| Average total assets | $304,524,000 | 2,147 |
| Average earning assets | $281,782,250 | 2,129 |
| Average equity | $28,954,000 | 2,354 |
| Average total loans | $199,532,500 | 2,053 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6720% | 4,939 |
| Cost of funding earning assets | 0.2563% | 5,418 |
| Net interest margin | 3.4157% | 4,113 |
| Noninterest income to average assets | 0.1640% | 5,972 |
| Noninterest expense to average assets | 3.1053% | 2,476 |
| Loan and lease loss provision to assets | 0.1967% | 1,240 |
| Net operating income to assets | 0.0616% | 6,111 |
| Return on assets (ROA) | 0.0616% | 6,131 |
| Pretax return on assets | 0.0262% | 6,176 |
| Return on Equity (ROE) | 0.6483% | 6,117 |
| Retained earnings to average equity (ytd only) | -1.8138% | 5,968 |
| Net charge-offs to loans | 0.7693% | 493 |
| Credit loss provision to net charge-offs | 39.3185% | 2,938 |
| Earnings coverage of net charge-offs (x) | 0.4456% | 4,042 |
| Efficiency ratio | 93.3005% | 679 |
| Assets per employee ($millions) | 3.2670% | 5,314 |
| Cash dividends to net income (ytd only)* | 379.7872% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3104% | 3,803 |
| Loan loss allowance to noncurrent loans | 34.3056% | 5,665 |
| Noncurrent assets plus other real estate owned to assets | 5.0482% | 353 |
| Noncurrent loans to loans | 3.8199% | 647 |
| Net loans and leases to total assets | 64.7188% | 2,957 |
| Net loans and leases to deposits | 71.7078% | 3,610 |
| Net loans and leases to core deposits | 72.3074% | 4,015 |
| Total domestic deposits to total assets | 90.2534% | 684 |
| Equity capital to assets | 9.5284% | 4,714 |
| Core capital (leverage) ratio | 8.9052% | 5,152 |
| Tier 1 risk-based capital ratio | 12.2053% | 5,412 |
| Total risk-based capital ratio | 13.3825% | 5,382 |
| Memoranda: | ||
| Average total assets | $304,967,000 | 2,141 |
| Average earning assets | $282,520,000 | 2,118 |
| Average equity | $29,000,330 | 2,342 |
| Average total loans | $198,369,330 | 2,062 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7240% | 4,760 |
| Cost of funding earning assets | 0.2601% | 5,488 |
| Net interest margin | 3.4638% | 3,846 |
| Noninterest income to average assets | 0.4438% | 3,834 |
| Noninterest expense to average assets | 3.1001% | 2,532 |
| Loan and lease loss provision to assets | 0.2357% | 938 |
| Net operating income to assets | 0.2553% | 5,647 |
| Return on assets (ROA) | 0.2553% | 5,687 |
| Pretax return on assets | 0.3155% | 5,679 |
| Return on Equity (ROE) | 2.6873% | 5,565 |
| Retained earnings to average equity (ytd only) | 0.0965% | 5,520 |
| Net charge-offs to loans | 1.4833% | 213 |
| Credit loss provision to net charge-offs | 24.5232% | 2,453 |
| Earnings coverage of net charge-offs (x) | 0.5736% | 3,314 |
| Efficiency ratio | 84.9050% | 1,561 |
| Assets per employee ($millions) | 3.3039% | 5,334 |
| Cash dividends to net income (ytd only)* | 96.4103% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 4,228 |
| Loan loss allowance to noncurrent loans | 45.9100% | 5,366 |
| Noncurrent assets plus other real estate owned to assets | 4.6431% | 462 |
| Noncurrent loans to loans | 2.7871% | 1,200 |
| Net loans and leases to total assets | 63.9645% | 2,897 |
| Net loans and leases to deposits | 71.0040% | 3,477 |
| Net loans and leases to core deposits | 71.5970% | 3,911 |
| Total domestic deposits to total assets | 90.0858% | 1,023 |
| Equity capital to assets | 9.5487% | 4,431 |
| Core capital (leverage) ratio | 9.0485% | 4,938 |
| Tier 1 risk-based capital ratio | 12.3797% | 5,382 |
| Total risk-based capital ratio | 13.5250% | 5,393 |
| Memoranda: | ||
| Average total assets | $305,535,500 | 2,147 |
| Average earning assets | $282,923,000 | 2,128 |
| Average equity | $29,025,500 | 2,321 |
| Average total loans | $197,931,000 | 2,070 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9041% | 4,445 |
| Cost of funding earning assets | 0.2979% | 5,613 |
| Net interest margin | 3.6062% | 3,442 |
| Noninterest income to average assets | 0.4470% | 4,104 |
| Noninterest expense to average assets | 3.1569% | 2,561 |
| Loan and lease loss provision to assets | 0.2221% | 1,642 |
| Net operating income to assets | 0.2977% | 5,535 |
| Return on assets (ROA) | 0.2977% | 5,627 |
| Pretax return on assets | 0.3988% | 5,500 |
| Return on Equity (ROE) | 3.1930% | 5,433 |
| Retained earnings to average equity (ytd only) | 0.5005% | 5,617 |
| Net charge-offs to loans | 0.5862% | 1,127 |
| Credit loss provision to net charge-offs | 58.2770% | 3,615 |
| Earnings coverage of net charge-offs (x) | 1.6292% | 4,514 |
| Efficiency ratio | 83.5662% | 1,680 |
| Assets per employee ($millions) | 3.3749% | 5,146 |
| Cash dividends to net income (ytd only)* | 84.3243% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5454% | 2,977 |
| Loan loss allowance to noncurrent loans | 53.2571% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 4.7126% | 515 |
| Noncurrent loans to loans | 2.9017% | 1,207 |
| Net loans and leases to total assets | 63.7689% | 3,077 |
| Net loans and leases to deposits | 70.6761% | 3,701 |
| Net loans and leases to core deposits | 71.2570% | 4,157 |
| Total domestic deposits to total assets | 90.2270% | 952 |
| Equity capital to assets | 9.4516% | 4,494 |
| Core capital (leverage) ratio | 8.8392% | 5,230 |
| Tier 1 risk-based capital ratio | 12.3055% | 5,426 |
| Total risk-based capital ratio | 13.5573% | 5,353 |
| Memoranda: | ||
| Average total assets | $310,718,200 | 2,075 |
| Average earning assets | $286,980,400 | 2,062 |
| Average equity | $28,969,800 | 2,313 |
| Average total loans | $201,980,800 | 1,988 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9192% | 4,430 |
| Cost of funding earning assets | 0.3023% | 5,714 |
| Net interest margin | 3.6169% | 3,377 |
| Noninterest income to average assets | 0.4244% | 4,332 |
| Noninterest expense to average assets | 3.2286% | 2,272 |
| Loan and lease loss provision to assets | 0.2952% | 1,155 |
| Net operating income to assets | 0.1955% | 5,924 |
| Return on assets (ROA) | 0.1955% | 6,003 |
| Pretax return on assets | 0.2383% | 5,982 |
| Return on Equity (ROE) | 2.1043% | 5,905 |
| Retained earnings to average equity (ytd only) | -0.5249% | 6,050 |
| Net charge-offs to loans | 0.7997% | 736 |
| Credit loss provision to net charge-offs | 56.7434% | 3,362 |
| Earnings coverage of net charge-offs (x) | 1.0255% | 4,501 |
| Efficiency ratio | 85.8183% | 1,373 |
| Assets per employee ($millions) | 3.3059% | 5,275 |
| Cash dividends to net income (ytd only)* | 124.9442% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5359% | 3,303 |
| Loan loss allowance to noncurrent loans | 48.8439% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 4.8476% | 591 |
| Noncurrent loans to loans | 3.1444% | 1,251 |
| Net loans and leases to total assets | 63.4318% | 3,091 |
| Net loans and leases to deposits | 70.1789% | 3,764 |
| Net loans and leases to core deposits | 70.8165% | 4,235 |
| Total domestic deposits to total assets | 90.3858% | 798 |
| Equity capital to assets | 9.2323% | 4,897 |
| Core capital (leverage) ratio | 8.7184% | 5,507 |
| Tier 1 risk-based capital ratio | 12.1999% | 5,648 |
| Total risk-based capital ratio | 13.4515% | 5,586 |
| Memoranda: | ||
| Average total assets | $311,619,750 | 2,072 |
| Average earning assets | $287,570,750 | 2,072 |
| Average equity | $28,955,500 | 2,337 |
| Average total loans | $202,747,000 | 1,988 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9048% | 4,458 |
| Cost of funding earning assets | 0.3068% | 5,775 |
| Net interest margin | 3.5981% | 3,364 |
| Noninterest income to average assets | 0.4128% | 4,426 |
| Noninterest expense to average assets | 3.2025% | 2,347 |
| Loan and lease loss provision to assets | 0.3067% | 1,164 |
| Net operating income to assets | 0.1853% | 5,943 |
| Return on assets (ROA) | 0.1853% | 6,057 |
| Pretax return on assets | 0.2236% | 6,043 |
| Return on Equity (ROE) | 1.9900% | 5,958 |
| Retained earnings to average equity (ytd only) | -0.6313% | 5,984 |
| Net charge-offs to loans | 0.8340% | 748 |
| Credit loss provision to net charge-offs | 56.3380% | 3,088 |
| Earnings coverage of net charge-offs (x) | 0.9742% | 4,206 |
| Efficiency ratio | 85.7925% | 1,435 |
| Assets per employee ($millions) | 3.2671% | 5,341 |
| Cash dividends to net income (ytd only)* | 131.7241% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5450% | 3,387 |
| Loan loss allowance to noncurrent loans | 36.3182% | 5,784 |
| Noncurrent assets plus other real estate owned to assets | 5.7613% | 488 |
| Noncurrent loans to loans | 4.2540% | 866 |
| Net loans and leases to total assets | 64.9362% | 2,765 |
| Net loans and leases to deposits | 71.8903% | 3,462 |
| Net loans and leases to core deposits | 72.5440% | 3,983 |
| Total domestic deposits to total assets | 90.3269% | 843 |
| Equity capital to assets | 9.2255% | 4,958 |
| Core capital (leverage) ratio | 8.6986% | 5,429 |
| Tier 1 risk-based capital ratio | 11.4455% | 6,140 |
| Total risk-based capital ratio | 12.6968% | 6,101 |
| Memoranda: | ||
| Average total assets | $313,008,670 | 2,075 |
| Average earning assets | $288,822,670 | 2,066 |
| Average equity | $29,145,670 | 2,330 |
| Average total loans | $204,307,670 | 1,980 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0324% | 3,989 |
| Cost of funding earning assets | 0.3155% | 5,835 |
| Net interest margin | 3.7169% | 2,787 |
| Noninterest income to average assets | 0.4145% | 4,350 |
| Noninterest expense to average assets | 3.1302% | 2,577 |
| Loan and lease loss provision to assets | 0.2686% | 1,321 |
| Net operating income to assets | 0.3313% | 5,439 |
| Return on assets (ROA) | 0.3313% | 5,576 |
| Pretax return on assets | 0.4516% | 5,409 |
| Return on Equity (ROE) | 3.5418% | 5,316 |
| Retained earnings to average equity (ytd only) | 0.9709% | 5,456 |
| Net charge-offs to loans | 0.2936% | 1,793 |
| Credit loss provision to net charge-offs | 140.9396% | 1,426 |
| Earnings coverage of net charge-offs (x) | 3.7785% | 2,677 |
| Efficiency ratio | 81.2957% | 2,154 |
| Assets per employee ($millions) | 3.0973% | 5,832 |
| Cash dividends to net income (ytd only)* | 72.5869% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8118% | 2,579 |
| Loan loss allowance to noncurrent loans | 36.5458% | 5,753 |
| Noncurrent assets plus other real estate owned to assets | 5.7692% | 577 |
| Noncurrent loans to loans | 4.9576% | 772 |
| Net loans and leases to total assets | 62.8676% | 2,908 |
| Net loans and leases to deposits | 69.6658% | 3,547 |
| Net loans and leases to core deposits | 70.2993% | 4,040 |
| Total domestic deposits to total assets | 90.2417% | 913 |
| Equity capital to assets | 9.3549% | 5,054 |
| Core capital (leverage) ratio | 8.8877% | 5,074 |
| Tier 1 risk-based capital ratio | 12.1993% | 5,789 |
| Total risk-based capital ratio | 13.4537% | 5,748 |
| Memoranda: | ||
| Average total assets | $312,691,500 | 2,097 |
| Average earning assets | $289,059,000 | 2,088 |
| Average equity | $29,251,000 | 2,353 |
| Average total loans | $203,029,500 | 2,006 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2825% | 4,266 |
| Cost of funding earning assets | 0.4533% | 5,562 |
| Net interest margin | 3.8292% | 3,106 |
| Noninterest income to average assets | 0.7014% | 2,712 |
| Noninterest expense to average assets | 3.3420% | 2,214 |
| Loan and lease loss provision to assets | 0.3306% | 2,057 |
| Net operating income to assets | 0.3932% | 5,131 |
| Return on assets (ROA) | 0.3932% | 5,368 |
| Pretax return on assets | 0.5675% | 5,085 |
| Return on Equity (ROE) | 4.1717% | 5,075 |
| Retained earnings to average equity (ytd only) | 0.5244% | 5,586 |
| Net charge-offs to loans | 1.1293% | 921 |
| Credit loss provision to net charge-offs | 42.8274% | 4,871 |
| Earnings coverage of net charge-offs (x) | 1.1634% | 4,881 |
| Efficiency ratio | 78.8175% | 2,307 |
| Assets per employee ($millions) | 3.1255% | 5,799 |
| Cash dividends to net income (ytd only)* | 87.4286% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7341% | 2,805 |
| Loan loss allowance to noncurrent loans | 34.4901% | 5,875 |
| Noncurrent assets plus other real estate owned to assets | 5.9568% | 584 |
| Noncurrent loans to loans | 5.0277% | 788 |
| Net loans and leases to total assets | 64.6909% | 2,773 |
| Net loans and leases to deposits | 71.6589% | 3,468 |
| Net loans and leases to core deposits | 72.2285% | 4,016 |
| Total domestic deposits to total assets | 90.2761% | 814 |
| Equity capital to assets | 9.3543% | 5,068 |
| Core capital (leverage) ratio | 8.6610% | 5,381 |
| Tier 1 risk-based capital ratio | 12.0686% | 5,747 |
| Total risk-based capital ratio | 13.3228% | 5,701 |
| Memoranda: | ||
| Average total assets | $311,523,000 | 2,064 |
| Average earning assets | $287,892,800 | 2,058 |
| Average equity | $29,364,200 | 2,293 |
| Average total loans | $212,971,800 | 1,899 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3505% | 4,253 |
| Cost of funding earning assets | 0.4903% | 5,505 |
| Net interest margin | 3.8602% | 3,075 |
| Noninterest income to average assets | 0.7290% | 2,580 |
| Noninterest expense to average assets | 3.3261% | 2,198 |
| Loan and lease loss provision to assets | 0.3512% | 1,855 |
| Net operating income to assets | 0.4236% | 5,142 |
| Return on assets (ROA) | 0.4236% | 5,384 |
| Pretax return on assets | 0.6198% | 5,106 |
| Return on Equity (ROE) | 4.4857% | 5,045 |
| Retained earnings to average equity (ytd only) | 1.8778% | 5,402 |
| Net charge-offs to loans | 1.0324% | 1,021 |
| Credit loss provision to net charge-offs | 49.3085% | 4,420 |
| Earnings coverage of net charge-offs (x) | 1.3632% | 4,616 |
| Efficiency ratio | 77.4023% | 2,467 |
| Assets per employee ($millions) | 3.0341% | 5,996 |
| Cash dividends to net income (ytd only)* | 58.1399% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9915% | 2,191 |
| Loan loss allowance to noncurrent loans | 37.5252% | 5,772 |
| Noncurrent assets plus other real estate owned to assets | 7.1670% | 496 |
| Noncurrent loans to loans | 5.3072% | 822 |
| Net loans and leases to total assets | 63.9442% | 3,034 |
| Net loans and leases to deposits | 70.8720% | 3,777 |
| Net loans and leases to core deposits | 71.5605% | 4,311 |
| Total domestic deposits to total assets | 90.2248% | 713 |
| Equity capital to assets | 9.3432% | 5,416 |
| Core capital (leverage) ratio | 8.7433% | 5,412 |
| Tier 1 risk-based capital ratio | 12.1207% | 5,873 |
| Total risk-based capital ratio | 13.3777% | 5,843 |
| Memoranda: | ||
| Average total assets | $311,266,000 | 2,093 |
| Average earning assets | $287,713,250 | 2,081 |
| Average equity | $29,396,000 | 2,308 |
| Average total loans | $214,774,750 | 1,903 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4892% | 3,811 |
| Cost of funding earning assets | 0.5239% | 5,461 |
| Net interest margin | 3.9653% | 2,655 |
| Noninterest income to average assets | 0.8101% | 2,139 |
| Noninterest expense to average assets | 3.2978% | 2,308 |
| Loan and lease loss provision to assets | 0.3938% | 1,671 |
| Net operating income to assets | 0.5500% | 4,585 |
| Return on assets (ROA) | 0.5500% | 4,864 |
| Pretax return on assets | 0.7972% | 4,484 |
| Return on Equity (ROE) | 5.8024% | 4,419 |
| Retained earnings to average equity (ytd only) | 2.9965% | 4,646 |
| Net charge-offs to loans | 1.0333% | 1,064 |
| Credit loss provision to net charge-offs | 54.2222% | 3,948 |
| Earnings coverage of net charge-offs (x) | 1.6400% | 4,170 |
| Efficiency ratio | 73.4685% | 3,166 |
| Assets per employee ($millions) | 3.0746% | 5,901 |
| Cash dividends to net income (ytd only)* | 48.3568% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0596% | 2,086 |
| Loan loss allowance to noncurrent loans | 39.3111% | 5,688 |
| Noncurrent assets plus other real estate owned to assets | 5.4745% | 819 |
| Noncurrent loans to loans | 5.2392% | 915 |
| Net loans and leases to total assets | 66.4904% | 2,574 |
| Net loans and leases to deposits | 73.7169% | 3,339 |
| Net loans and leases to core deposits | 74.3612% | 3,972 |
| Total domestic deposits to total assets | 90.1969% | 815 |
| Equity capital to assets | 9.3279% | 5,281 |
| Core capital (leverage) ratio | 8.8193% | 5,184 |
| Tier 1 risk-based capital ratio | 11.7656% | 6,080 |
| Total risk-based capital ratio | 13.0238% | 6,056 |
| Memoranda: | ||
| Average total assets | $309,840,000 | 2,099 |
| Average earning assets | $287,445,000 | 2,079 |
| Average equity | $29,367,330 | 2,298 |
| Average total loans | $217,742,330 | 1,873 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6052% | 3,480 |
| Cost of funding earning assets | 0.5758% | 5,309 |
| Net interest margin | 4.0294% | 2,375 |
| Noninterest income to average assets | 0.9895% | 1,453 |
| Noninterest expense to average assets | 3.2700% | 2,386 |
| Loan and lease loss provision to assets | 0.4177% | 1,508 |
| Net operating income to assets | 0.7062% | 3,857 |
| Return on assets (ROA) | 0.7062% | 4,076 |
| Pretax return on assets | 1.0378% | 3,541 |
| Return on Equity (ROE) | 7.3905% | 3,564 |
| Retained earnings to average equity (ytd only) | 4.4807% | 3,902 |
| Net charge-offs to loans | 2.2143% | 402 |
| Credit loss provision to net charge-offs | 26.3809% | 3,683 |
| Earnings coverage of net charge-offs (x) | 0.9192% | 3,869 |
| Efficiency ratio | 69.1989% | 3,949 |
| Assets per employee ($millions) | 3.0300% | 6,100 |
| Cash dividends to net income (ytd only)* | 39.3715% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8244% | 2,908 |
| Loan loss allowance to noncurrent loans | 41.2046% | 5,551 |
| Noncurrent assets plus other real estate owned to assets | 5.0540% | 1,026 |
| Noncurrent loans to loans | 4.4277% | 1,330 |
| Net loans and leases to total assets | 70.5164% | 1,664 |
| Net loans and leases to deposits | 78.2986% | 2,452 |
| Net loans and leases to core deposits | 79.1448% | 3,160 |
| Total domestic deposits to total assets | 90.0608% | 1,055 |
| Equity capital to assets | 9.5240% | 4,767 |
| Core capital (leverage) ratio | 9.6011% | 3,919 |
| Tier 1 risk-based capital ratio | 12.1849% | 5,834 |
| Total risk-based capital ratio | 13.4403% | 5,807 |
| Memoranda: | ||
| Average total assets | $306,417,500 | 2,119 |
| Average earning assets | $284,113,000 | 2,103 |
| Average equity | $29,281,000 | 2,308 |
| Average total loans | $219,117,000 | 1,864 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5354% | 4,932 |
| Cost of funding earning assets | 0.7528% | 5,192 |
| Net interest margin | 3.7826% | 3,916 |
| Noninterest income to average assets | 0.7564% | 2,304 |
| Noninterest expense to average assets | 3.4915% | 2,000 |
| Loan and lease loss provision to assets | 0.2919% | 3,326 |
| Net operating income to assets | 0.3628% | 5,022 |
| Return on assets (ROA) | 0.3628% | 5,188 |
| Pretax return on assets | 0.4785% | 5,049 |
| Return on Equity (ROE) | 3.8073% | 4,943 |
| Retained earnings to average equity (ytd only) | 0.3167% | 5,688 |
| Net charge-offs to loans | 2.2123% | 582 |
| Credit loss provision to net charge-offs | 18.5571% | 5,935 |
| Earnings coverage of net charge-offs (x) | 0.4898% | 5,462 |
| Efficiency ratio | 81.9224% | 2,038 |
| Assets per employee ($millions) | 2.9209% | 6,248 |
| Cash dividends to net income (ytd only)* | 91.6817% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2858% | 1,639 |
| Loan loss allowance to noncurrent loans | 37.0651% | 5,771 |
| Noncurrent assets plus other real estate owned to assets | 6.4910% | 725 |
| Noncurrent loans to loans | 6.1671% | 789 |
| Net loans and leases to total assets | 69.5590% | 2,123 |
| Net loans and leases to deposits | 77.2264% | 2,966 |
| Net loans and leases to core deposits | 78.1640% | 3,667 |
| Total domestic deposits to total assets | 90.0716% | 958 |
| Equity capital to assets | 9.5883% | 4,759 |
| Core capital (leverage) ratio | 9.3695% | 4,225 |
| Tier 1 risk-based capital ratio | 12.0310% | 5,817 |
| Total risk-based capital ratio | 13.2911% | 5,788 |
| Memoranda: | ||
| Average total assets | $304,880,600 | 2,102 |
| Average earning assets | $282,558,000 | 2,075 |
| Average equity | $29,049,200 | 2,268 |
| Average total loans | $216,783,600 | 1,895 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5063% | 5,239 |
| Cost of funding earning assets | 0.7878% | 5,232 |
| Net interest margin | 3.7185% | 4,254 |
| Noninterest income to average assets | 0.7965% | 2,068 |
| Noninterest expense to average assets | 3.4709% | 2,012 |
| Loan and lease loss provision to assets | 0.2753% | 3,310 |
| Net operating income to assets | 0.3766% | 5,095 |
| Return on assets (ROA) | 0.3766% | 5,281 |
| Pretax return on assets | 0.4985% | 5,168 |
| Return on Equity (ROE) | 3.9590% | 5,010 |
| Retained earnings to average equity (ytd only) | 1.7086% | 5,287 |
| Net charge-offs to loans | 2.2367% | 546 |
| Credit loss provision to net charge-offs | 17.3124% | 5,595 |
| Earnings coverage of net charge-offs (x) | 0.4867% | 5,256 |
| Efficiency ratio | 81.7705% | 2,008 |
| Assets per employee ($millions) | 2.9587% | 6,211 |
| Cash dividends to net income (ytd only)* | 56.8450% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8731% | 956 |
| Loan loss allowance to noncurrent loans | 53.5338% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 5.8056% | 940 |
| Noncurrent loans to loans | 5.3669% | 1,121 |
| Net loans and leases to total assets | 64.1606% | 3,277 |
| Net loans and leases to deposits | 71.2334% | 4,101 |
| Net loans and leases to core deposits | 72.0841% | 4,706 |
| Total domestic deposits to total assets | 90.0709% | 827 |
| Equity capital to assets | 9.5595% | 4,994 |
| Core capital (leverage) ratio | 9.4725% | 4,195 |
| Tier 1 risk-based capital ratio | 12.8017% | 5,246 |
| Total risk-based capital ratio | 14.0679% | 5,216 |
| Memoranda: | ||
| Average total assets | $305,157,000 | 2,106 |
| Average earning assets | $282,972,000 | 2,081 |
| Average equity | $29,029,750 | 2,267 |
| Average total loans | $216,918,000 | 1,902 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5305% | 5,257 |
| Cost of funding earning assets | 0.8132% | 5,284 |
| Net interest margin | 3.7172% | 4,186 |
| Noninterest income to average assets | 0.6737% | 2,690 |
| Noninterest expense to average assets | 3.5181% | 1,938 |
| Loan and lease loss provision to assets | 0.2760% | 3,170 |
| Net operating income to assets | 0.2714% | 5,476 |
| Return on assets (ROA) | 0.2714% | 5,606 |
| Pretax return on assets | 0.3312% | 5,596 |
| Return on Equity (ROE) | 2.8580% | 5,456 |
| Retained earnings to average equity (ytd only) | 0.5951% | 5,618 |
| Net charge-offs to loans | 1.6661% | 870 |
| Credit loss provision to net charge-offs | 22.7642% | 5,092 |
| Earnings coverage of net charge-offs (x) | 0.5008% | 4,931 |
| Efficiency ratio | 85.2796% | 1,672 |
| Assets per employee ($millions) | 2.9648% | 6,154 |
| Cash dividends to net income (ytd only)* | 79.1768% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5045% | 594 |
| Loan loss allowance to noncurrent loans | 38.7474% | 5,731 |
| Noncurrent assets plus other real estate owned to assets | 8.2970% | 538 |
| Noncurrent loans to loans | 9.0444% | 457 |
| Net loans and leases to total assets | 66.2972% | 2,969 |
| Net loans and leases to deposits | 73.4444% | 3,886 |
| Net loans and leases to core deposits | 74.3129% | 4,539 |
| Total domestic deposits to total assets | 90.2685% | 828 |
| Equity capital to assets | 9.4059% | 4,965 |
| Core capital (leverage) ratio | 9.4075% | 4,098 |
| Tier 1 risk-based capital ratio | 12.2731% | 5,542 |
| Total risk-based capital ratio | 13.5468% | 5,505 |
| Memoranda: | ||
| Average total assets | $304,308,330 | 2,119 |
| Average earning assets | $282,576,000 | 2,083 |
| Average equity | $28,901,330 | 2,251 |
| Average total loans | $221,469,330 | 1,900 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5487% | 5,178 |
| Cost of funding earning assets | 0.8396% | 5,334 |
| Net interest margin | 3.7092% | 4,053 |
| Noninterest income to average assets | 0.6709% | 2,725 |
| Noninterest expense to average assets | 3.5595% | 1,852 |
| Loan and lease loss provision to assets | 0.2779% | 2,931 |
| Net operating income to assets | 0.2792% | 5,504 |
| Return on assets (ROA) | 0.2792% | 5,565 |
| Pretax return on assets | 0.2885% | 5,691 |
| Return on Equity (ROE) | 2.9254% | 5,413 |
| Retained earnings to average equity (ytd only) | 0.6655% | 5,559 |
| Net charge-offs to loans | 3.0634% | 351 |
| Credit loss provision to net charge-offs | 12.1177% | 4,366 |
| Earnings coverage of net charge-offs (x) | 0.2470% | 4,425 |
| Efficiency ratio | 86.2733% | 1,685 |
| Assets per employee ($millions) | 2.9513% | 6,238 |
| Cash dividends to net income (ytd only)* | 77.2512% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3138% | 704 |
| Loan loss allowance to noncurrent loans | 30.7080% | 6,257 |
| Noncurrent assets plus other real estate owned to assets | 8.9275% | 487 |
| Noncurrent loans to loans | 10.7914% | 347 |
| Net loans and leases to total assets | 71.0044% | 1,923 |
| Net loans and leases to deposits | 78.7599% | 2,933 |
| Net loans and leases to core deposits | 79.8804% | 3,778 |
| Total domestic deposits to total assets | 90.1530% | 1,059 |
| Equity capital to assets | 9.5733% | 4,340 |
| Core capital (leverage) ratio | 9.4850% | 3,832 |
| Tier 1 risk-based capital ratio | 12.1030% | 5,600 |
| Total risk-based capital ratio | 13.3756% | 5,571 |
| Memoranda: | ||
| Average total assets | $302,293,000 | 2,148 |
| Average earning assets | $281,573,000 | 2,103 |
| Average equity | $28,851,000 | 2,243 |
| Average total loans | $226,282,000 | 1,886 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0389% | 4,373 |
| Cost of funding earning assets | 1.0321% | 5,521 |
| Net interest margin | 4.0068% | 2,995 |
| Noninterest income to average assets | 0.6954% | 2,864 |
| Noninterest expense to average assets | 3.4188% | 2,386 |
| Loan and lease loss provision to assets | 0.7329% | 2,240 |
| Net operating income to assets | 0.1859% | 5,317 |
| Return on assets (ROA) | 0.1859% | 5,487 |
| Pretax return on assets | 0.2611% | 5,335 |
| Return on Equity (ROE) | 1.9686% | 5,388 |
| Retained earnings to average equity (ytd only) | -0.1626% | 5,638 |
| Net charge-offs to loans | -0.1546% | 7,531 |
| Credit loss provision to net charge-offs | -623.9782% | 7,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4748% | 2,792 |
| Assets per employee ($millions) | 2.9188% | 6,276 |
| Cash dividends to net income (ytd only)* | 108.2616% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8226% | 462 |
| Loan loss allowance to noncurrent loans | 43.4819% | 5,418 |
| Noncurrent assets plus other real estate owned to assets | 7.7486% | 657 |
| Noncurrent loans to loans | 8.7913% | 542 |
| Net loans and leases to total assets | 73.3455% | 1,800 |
| Net loans and leases to deposits | 81.3003% | 2,929 |
| Net loans and leases to core deposits | 82.6206% | 3,802 |
| Total domestic deposits to total assets | 90.2155% | 977 |
| Equity capital to assets | 9.5150% | 4,387 |
| Core capital (leverage) ratio | 9.4820% | 3,723 |
| Tier 1 risk-based capital ratio | 11.7942% | 5,654 |
| Total risk-based capital ratio | 13.0733% | 5,627 |
| Memoranda: | ||
| Average total assets | $312,473,800 | 2,074 |
| Average earning assets | $289,907,200 | 2,048 |
| Average equity | $29,513,800 | 2,211 |
| Average total loans | $237,459,600 | 1,843 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1484% | 4,085 |
| Cost of funding earning assets | 1.0712% | 5,588 |
| Net interest margin | 4.0772% | 2,729 |
| Noninterest income to average assets | 0.8380% | 2,040 |
| Noninterest expense to average assets | 3.4626% | 2,131 |
| Loan and lease loss provision to assets | 0.3389% | 3,890 |
| Net operating income to assets | 0.5792% | 3,964 |
| Return on assets (ROA) | 0.5792% | 4,122 |
| Pretax return on assets | 0.8164% | 3,844 |
| Return on Equity (ROE) | 6.1427% | 3,750 |
| Retained earnings to average equity (ytd only) | 4.0532% | 3,623 |
| Net charge-offs to loans | -0.3482% | 7,657 |
| Credit loss provision to net charge-offs | -128.2051% | 6,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9817% | 3,149 |
| Assets per employee ($millions) | 2.8763% | 6,433 |
| Cash dividends to net income (ytd only)* | 34.0159% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2264% | 683 |
| Loan loss allowance to noncurrent loans | 61.8583% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 5.0500% | 1,270 |
| Noncurrent loans to loans | 5.2159% | 1,305 |
| Net loans and leases to total assets | 74.2244% | 1,755 |
| Net loans and leases to deposits | 82.5798% | 2,989 |
| Net loans and leases to core deposits | 83.9028% | 3,949 |
| Total domestic deposits to total assets | 89.8821% | 939 |
| Equity capital to assets | 9.8018% | 4,413 |
| Core capital (leverage) ratio | 9.7754% | 3,521 |
| Tier 1 risk-based capital ratio | 12.0669% | 5,395 |
| Total risk-based capital ratio | 13.3393% | 5,342 |
| Memoranda: | ||
| Average total assets | $314,704,500 | 2,096 |
| Average earning assets | $291,760,500 | 2,063 |
| Average equity | $29,671,500 | 2,227 |
| Average total loans | $238,952,000 | 1,854 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1186% | 4,354 |
| Cost of funding earning assets | 1.1262% | 5,544 |
| Net interest margin | 3.9924% | 3,056 |
| Noninterest income to average assets | 0.9135% | 1,646 |
| Noninterest expense to average assets | 3.4723% | 2,095 |
| Loan and lease loss provision to assets | 0.2902% | 4,064 |
| Net operating income to assets | 0.5993% | 3,883 |
| Return on assets (ROA) | 0.5993% | 4,018 |
| Pretax return on assets | 0.8479% | 3,713 |
| Return on Equity (ROE) | 6.4392% | 3,578 |
| Retained earnings to average equity (ytd only) | 4.3922% | 3,282 |
| Net charge-offs to loans | -0.8795% | 7,758 |
| Credit loss provision to net charge-offs | -43.6019% | 6,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3147% | 3,202 |
| Assets per employee ($millions) | 2.8683% | 6,416 |
| Cash dividends to net income (ytd only)* | 31.7895% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1966% | 707 |
| Loan loss allowance to noncurrent loans | 87.6393% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 3.9129% | 1,769 |
| Noncurrent loans to loans | 3.6474% | 2,161 |
| Net loans and leases to total assets | 75.3447% | 1,619 |
| Net loans and leases to deposits | 83.6242% | 2,945 |
| Net loans and leases to core deposits | 85.1220% | 3,973 |
| Total domestic deposits to total assets | 90.0991% | 876 |
| Equity capital to assets | 9.6207% | 4,515 |
| Core capital (leverage) ratio | 9.6279% | 3,643 |
| Tier 1 risk-based capital ratio | 11.5097% | 5,763 |
| Total risk-based capital ratio | 12.7811% | 5,712 |
| Memoranda: | ||
| Average total assets | $317,019,330 | 2,097 |
| Average earning assets | $293,555,670 | 2,070 |
| Average equity | $29,506,670 | 2,225 |
| Average total loans | $239,919,670 | 1,876 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0208% | 4,925 |
| Cost of funding earning assets | 1.2192% | 5,290 |
| Net interest margin | 3.8017% | 3,789 |
| Noninterest income to average assets | 0.8882% | 1,673 |
| Noninterest expense to average assets | 3.3233% | 2,457 |
| Loan and lease loss provision to assets | 0.2744% | 3,830 |
| Net operating income to assets | 0.5751% | 4,005 |
| Return on assets (ROA) | 0.5751% | 4,149 |
| Pretax return on assets | 0.8109% | 3,818 |
| Return on Equity (ROE) | 6.2809% | 3,738 |
| Retained earnings to average equity (ytd only) | 4.2236% | 3,618 |
| Net charge-offs to loans | 1.1516% | 1,463 |
| Credit loss provision to net charge-offs | 31.9303% | 4,785 |
| Earnings coverage of net charge-offs (x) | 1.2627% | 3,997 |
| Efficiency ratio | 75.3820% | 3,336 |
| Assets per employee ($millions) | 2.8808% | 6,481 |
| Cash dividends to net income (ytd only)* | 32.7549% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4411% | 1,371 |
| Loan loss allowance to noncurrent loans | 92.7102% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 3.3870% | 2,094 |
| Noncurrent loans to loans | 2.6330% | 3,036 |
| Net loans and leases to total assets | 73.5143% | 2,078 |
| Net loans and leases to deposits | 81.3997% | 3,388 |
| Net loans and leases to core deposits | 82.6910% | 4,395 |
| Total domestic deposits to total assets | 90.3127% | 822 |
| Equity capital to assets | 9.4832% | 4,557 |
| Core capital (leverage) ratio | 9.3084% | 4,039 |
| Tier 1 risk-based capital ratio | 11.6677% | 5,514 |
| Total risk-based capital ratio | 12.9303% | 5,459 |
| Memoranda: | ||
| Average total assets | $320,643,500 | 2,123 |
| Average earning assets | $296,922,000 | 2,097 |
| Average equity | $29,359,000 | 2,256 |
| Average total loans | $239,328,000 | 1,930 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0987% | 6,089 |
| Cost of funding earning assets | 1.6497% | 4,794 |
| Net interest margin | 3.4490% | 5,175 |
| Noninterest income to average assets | 0.2668% | 6,205 |
| Noninterest expense to average assets | 3.2556% | 3,174 |
| Loan and lease loss provision to assets | 2.9284% | 605 |
| Net operating income to assets | -1.6596% | 6,941 |
| Return on assets (ROA) | -1.6596% | 6,943 |
| Pretax return on assets | -2.6940% | 7,206 |
| Return on Equity (ROE) | -17.2931% | 7,046 |
| Retained earnings to average equity (ytd only) | -18.8565% | 7,064 |
| Net charge-offs to loans | 2.3631% | 975 |
| Credit loss provision to net charge-offs | 166.5661% | 2,608 |
| Earnings coverage of net charge-offs (x) | 0.1333% | 6,026 |
| Efficiency ratio | 93.2849% | 1,459 |
| Assets per employee ($millions) | 2.9744% | 6,282 |
| Cash dividends to net income (ytd only)* | -9.0409% | 7,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5355% | 1,186 |
| Loan loss allowance to noncurrent loans | 52.6217% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 4.1635% | 1,569 |
| Noncurrent loans to loans | 4.8184% | 1,427 |
| Net loans and leases to total assets | 72.0918% | 2,737 |
| Net loans and leases to deposits | 83.4099% | 3,376 |
| Net loans and leases to core deposits | 89.8397% | 5,147 |
| Total domestic deposits to total assets | 86.4307% | 2,806 |
| Equity capital to assets | 8.8482% | 5,358 |
| Core capital (leverage) ratio | 8.6710% | 4,975 |
| Tier 1 risk-based capital ratio | 11.2659% | 5,644 |
| Total risk-based capital ratio | 12.5300% | 5,587 |
| Memoranda: | ||
| Average total assets | $339,232,600 | 2,008 |
| Average earning assets | $317,024,000 | 1,967 |
| Average equity | $32,556,400 | 2,055 |
| Average total loans | $252,380,000 | 1,878 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1867% | 5,929 |
| Cost of funding earning assets | 1.7183% | 4,811 |
| Net interest margin | 3.4684% | 4,999 |
| Noninterest income to average assets | 0.3026% | 6,059 |
| Noninterest expense to average assets | 3.1968% | 3,308 |
| Loan and lease loss provision to assets | 3.2600% | 422 |
| Net operating income to assets | -1.8764% | 7,264 |
| Return on assets (ROA) | -1.8764% | 7,268 |
| Pretax return on assets | -2.9090% | 7,476 |
| Return on Equity (ROE) | -19.1896% | 7,346 |
| Retained earnings to average equity (ytd only) | -20.6190% | 7,361 |
| Net charge-offs to loans | 1.9757% | 1,005 |
| Credit loss provision to net charge-offs | 221.4854% | 1,974 |
| Earnings coverage of net charge-offs (x) | 0.2385% | 5,777 |
| Efficiency ratio | 90.1067% | 1,680 |
| Assets per employee ($millions) | 2.9382% | 6,313 |
| Cash dividends to net income (ytd only)* | -7.4490% | 7,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7617% | 824 |
| Loan loss allowance to noncurrent loans | 103.2954% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 2.8095% | 2,469 |
| Noncurrent loans to loans | 2.6735% | 2,835 |
| Net loans and leases to total assets | 70.8804% | 3,296 |
| Net loans and leases to deposits | 82.0180% | 4,022 |
| Net loans and leases to core deposits | 89.3247% | 5,503 |
| Total domestic deposits to total assets | 86.4206% | 2,465 |
| Equity capital to assets | 8.8877% | 5,652 |
| Core capital (leverage) ratio | 8.6869% | 5,155 |
| Tier 1 risk-based capital ratio | 11.3038% | 5,633 |
| Total risk-based capital ratio | 12.5697% | 5,566 |
| Memoranda: | ||
| Average total assets | $341,501,500 | 2,009 |
| Average earning assets | $319,527,250 | 1,963 |
| Average equity | $33,392,250 | 2,035 |
| Average total loans | $254,423,000 | 1,888 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1725% | 6,175 |
| Cost of funding earning assets | 1.7695% | 4,908 |
| Net interest margin | 3.4030% | 5,152 |
| Noninterest income to average assets | 0.8888% | 2,027 |
| Noninterest expense to average assets | 3.1683% | 3,433 |
| Loan and lease loss provision to assets | 0.2626% | 4,473 |
| Net operating income to assets | 0.4266% | 4,394 |
| Return on assets (ROA) | 0.4266% | 4,506 |
| Pretax return on assets | 0.6431% | 4,181 |
| Return on Equity (ROE) | 4.2361% | 4,403 |
| Retained earnings to average equity (ytd only) | 2.7990% | 3,765 |
| Net charge-offs to loans | 0.3485% | 3,445 |
| Credit loss provision to net charge-offs | 100.4464% | 4,543 |
| Earnings coverage of net charge-offs (x) | 3.4643% | 3,431 |
| Efficiency ratio | 77.7682% | 3,384 |
| Assets per employee ($millions) | 3.1652% | 5,679 |
| Cash dividends to net income (ytd only)* | 33.9261% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8815% | 6,844 |
| Loan loss allowance to noncurrent loans | 23.4056% | 6,945 |
| Noncurrent assets plus other real estate owned to assets | 4.0776% | 1,436 |
| Noncurrent loans to loans | 3.7664% | 1,829 |
| Net loans and leases to total assets | 71.8212% | 3,272 |
| Net loans and leases to deposits | 84.4399% | 3,806 |
| Net loans and leases to core deposits | 91.5438% | 5,392 |
| Total domestic deposits to total assets | 85.0560% | 3,236 |
| Equity capital to assets | 10.2354% | 3,690 |
| Core capital (leverage) ratio | 10.3708% | 2,930 |
| Tier 1 risk-based capital ratio | 13.1398% | 4,044 |
| Total risk-based capital ratio | 13.9603% | 4,265 |
| Memoranda: | ||
| Average total assets | $342,704,330 | 2,020 |
| Average earning assets | $320,773,330 | 1,978 |
| Average equity | $34,512,670 | 1,965 |
| Average total loans | $257,130,000 | 1,904 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1327% | 6,557 |
| Cost of funding earning assets | 1.8579% | 4,835 |
| Net interest margin | 3.2749% | 5,596 |
| Noninterest income to average assets | 0.9083% | 1,818 |
| Noninterest expense to average assets | 3.1697% | 3,115 |
| Loan and lease loss provision to assets | 0.2471% | 3,998 |
| Net operating income to assets | 0.3977% | 4,868 |
| Return on assets (ROA) | 0.3977% | 5,047 |
| Pretax return on assets | 0.5506% | 4,914 |
| Return on Equity (ROE) | 3.9823% | 4,941 |
| Retained earnings to average equity (ytd only) | 2.6863% | 4,389 |
| Net charge-offs to loans | -0.0462% | 7,672 |
| Credit loss provision to net charge-offs | -700.0000% | 6,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8932% | 2,844 |
| Assets per employee ($millions) | 3.0835% | 5,933 |
| Cash dividends to net income (ytd only)* | 32.5444% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9586% | 6,437 |
| Loan loss allowance to noncurrent loans | 23.0373% | 7,017 |
| Noncurrent assets plus other real estate owned to assets | 4.9295% | 925 |
| Noncurrent loans to loans | 4.1612% | 1,433 |
| Net loans and leases to total assets | 74.3181% | 2,673 |
| Net loans and leases to deposits | 87.5126% | 3,378 |
| Net loans and leases to core deposits | 95.2524% | 5,040 |
| Total domestic deposits to total assets | 84.9227% | 3,244 |
| Equity capital to assets | 10.3853% | 3,575 |
| Core capital (leverage) ratio | 10.5574% | 2,859 |
| Tier 1 risk-based capital ratio | 12.9773% | 4,191 |
| Total risk-based capital ratio | 13.8808% | 4,367 |
| Memoranda: | ||
| Average total assets | $339,970,000 | 2,043 |
| Average earning assets | $317,571,000 | 2,006 |
| Average equity | $33,950,500 | 2,008 |
| Average total loans | $259,552,000 | 1,908 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7286% | 6,681 |
| Cost of funding earning assets | 2.2741% | 5,271 |
| Net interest margin | 3.4546% | 5,451 |
| Noninterest income to average assets | 0.8537% | 2,208 |
| Noninterest expense to average assets | 3.3333% | 2,861 |
| Loan and lease loss provision to assets | 0.2822% | 4,134 |
| Net operating income to assets | 0.3476% | 5,361 |
| Return on assets (ROA) | 0.3476% | 5,175 |
| Pretax return on assets | 0.4552% | 5,109 |
| Return on Equity (ROE) | 3.7507% | 4,919 |
| Retained earnings to average equity (ytd only) | 2.3697% | 3,725 |
| Net charge-offs to loans | 0.8454% | 1,488 |
| Credit loss provision to net charge-offs | 44.6593% | 6,407 |
| Earnings coverage of net charge-offs (x) | 1.1671% | 5,542 |
| Efficiency ratio | 81.8851% | 2,315 |
| Assets per employee ($millions) | 2.8861% | 6,352 |
| Cash dividends to net income (ytd only)* | 36.8201% | 3,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8472% | 6,913 |
| Loan loss allowance to noncurrent loans | 16.0688% | 7,366 |
| Noncurrent assets plus other real estate owned to assets | 5.0895% | 673 |
| Noncurrent loans to loans | 5.2723% | 803 |
| Net loans and leases to total assets | 77.0135% | 2,373 |
| Net loans and leases to deposits | 90.7437% | 3,327 |
| Net loans and leases to core deposits | 98.1517% | 5,027 |
| Total domestic deposits to total assets | 84.8692% | 2,904 |
| Equity capital to assets | 9.5820% | 4,570 |
| Core capital (leverage) ratio | 9.4715% | 4,047 |
| Tier 1 risk-based capital ratio | 11.6310% | 5,120 |
| Total risk-based capital ratio | 12.4353% | 5,439 |
| Memoranda: | ||
| Average total assets | $343,777,800 | 1,933 |
| Average earning assets | $320,128,000 | 1,900 |
| Average equity | $31,860,400 | 2,122 |
| Average total loans | $256,933,200 | 1,863 |