Home > The Falls City National Bank > Performance and Condition Ratios
The Falls City National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2442% | 3,541 |
| Cost of funding earning assets | 0.8039% | 3,717 |
| Net interest margin | 3.4403% | 2,321 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 0.8442% | 4,514 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.1044% | 393 |
| Return on assets (ROA) | 2.1044% | 384 |
| Pretax return on assets | 2.6384% | 294 |
| Return on Equity (ROE) | 16.9600% | 955 |
| Retained earnings to average equity (ytd only) | 12.0257% | 626 |
| Net charge-offs to loans | 0.2966% | 365 |
| Credit loss provision to net charge-offs | -11.7783% | 4,423 |
| Earnings coverage of net charge-offs (x) | 34.8476% | 1,533 |
| Efficiency ratio | 24.2406% | 4,518 |
| Assets per employee ($millions) | 20.6383% | 93 |
| Cash dividends to net income (ytd only)* | 29.0818% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9924% | 3,358 |
| Loan loss allowance to noncurrent loans | 32.5866% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 0.9286% | 539 |
| Noncurrent loans to loans | 3.0453% | 141 |
| Net loans and leases to total assets | 24.8600% | 4,370 |
| Net loans and leases to deposits | 28.6050% | 4,369 |
| Net loans and leases to core deposits | 32.2267% | 4,375 |
| Total domestic deposits to total assets | 86.9100% | 1,709 |
| Equity capital to assets | 12.8518% | 888 |
| Core capital (leverage) ratio | 13.2864% | 969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $571,897,000 | 1,546 |
| Average earning assets | $560,245,800 | 1,467 |
| Average equity | $70,973,000 | 1,235 |
| Average total loans | $146,006,400 | 2,705 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1591% | 3,539 |
| Cost of funding earning assets | 0.7242% | 3,714 |
| Net interest margin | 3.4349% | 2,381 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 0.7534% | 4,546 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.1827% | 384 |
| Return on assets (ROA) | 2.1827% | 380 |
| Pretax return on assets | 2.7339% | 300 |
| Return on Equity (ROE) | 17.7500% | 978 |
| Retained earnings to average equity (ytd only) | 14.8973% | 569 |
| Net charge-offs to loans | 0.2061% | 430 |
| Credit loss provision to net charge-offs | -36.7257% | 4,493 |
| Earnings coverage of net charge-offs (x) | 51.7522% | 1,297 |
| Efficiency ratio | 21.6033% | 4,548 |
| Assets per employee ($millions) | 18.7422% | 107 |
| Cash dividends to net income (ytd only)* | 16.0634% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 2,912 |
| Loan loss allowance to noncurrent loans | 34.3836% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 0.8492% | 646 |
| Noncurrent loans to loans | 3.1703% | 130 |
| Net loans and leases to total assets | 26.0600% | 4,380 |
| Net loans and leases to deposits | 30.0616% | 4,374 |
| Net loans and leases to core deposits | 33.7886% | 4,354 |
| Total domestic deposits to total assets | 86.7000% | 1,980 |
| Equity capital to assets | 13.0847% | 795 |
| Core capital (leverage) ratio | 13.2416% | 1,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $570,403,500 | 1,553 |
| Average earning assets | $560,395,750 | 1,466 |
| Average equity | $70,149,500 | 1,244 |
| Average total loans | $146,230,750 | 2,711 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0692% | 3,552 |
| Cost of funding earning assets | 0.5989% | 3,756 |
| Net interest margin | 3.4702% | 2,342 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 0.7426% | 4,578 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.2233% | 346 |
| Return on assets (ROA) | 2.2233% | 338 |
| Pretax return on assets | 2.7841% | 252 |
| Return on Equity (ROE) | 18.4600% | 899 |
| Retained earnings to average equity (ytd only) | 18.4643% | 315 |
| Net charge-offs to loans | 0.3022% | 279 |
| Credit loss provision to net charge-offs | -35.4545% | 4,519 |
| Earnings coverage of net charge-offs (x) | 36.2636% | 1,461 |
| Efficiency ratio | 21.0568% | 4,573 |
| Assets per employee ($millions) | 18.6994% | 108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1207% | 2,841 |
| Loan loss allowance to noncurrent loans | 46.5369% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 0.6367% | 835 |
| Noncurrent loans to loans | 2.4082% | 197 |
| Net loans and leases to total assets | 25.5700% | 4,401 |
| Net loans and leases to deposits | 29.4012% | 4,403 |
| Net loans and leases to core deposits | 32.8276% | 4,375 |
| Total domestic deposits to total assets | 86.9800% | 1,937 |
| Equity capital to assets | 12.8532% | 847 |
| Core capital (leverage) ratio | 12.7924% | 1,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $573,116,000 | 1,547 |
| Average earning assets | $563,994,333 | 1,454 |
| Average equity | $69,009,000 | 1,252 |
| Average total loans | $145,589,667 | 2,709 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9926% | 3,463 |
| Cost of funding earning assets | 0.3119% | 4,165 |
| Net interest margin | 3.6807% | 1,943 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 0.7355% | 4,650 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.3889% | 283 |
| Return on assets (ROA) | 2.3889% | 278 |
| Pretax return on assets | 2.9987% | 200 |
| Return on Equity (ROE) | 20.5100% | 708 |
| Retained earnings to average equity (ytd only) | 20.5095% | 349 |
| Net charge-offs to loans | 0.4114% | 194 |
| Credit loss provision to net charge-offs | -86.6667% | 4,587 |
| Earnings coverage of net charge-offs (x) | 28.9467% | 1,323 |
| Efficiency ratio | 19.6967% | 4,645 |
| Assets per employee ($millions) | 18.4353% | 113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 2,954 |
| Loan loss allowance to noncurrent loans | 48.7696% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 0.6039% | 840 |
| Noncurrent loans to loans | 2.2981% | 217 |
| Net loans and leases to total assets | 25.3900% | 4,461 |
| Net loans and leases to deposits | 28.9904% | 4,462 |
| Net loans and leases to core deposits | 32.1191% | 4,423 |
| Total domestic deposits to total assets | 87.6000% | 2,058 |
| Equity capital to assets | 12.1071% | 971 |
| Core capital (leverage) ratio | 11.7654% | 1,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $579,183,500 | 1,556 |
| Average earning assets | $570,753,500 | 1,464 |
| Average equity | $67,461,500 | 1,281 |
| Average total loans | $145,840,500 | 2,741 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8810% | 4,257 |
| Cost of funding earning assets | 0.1126% | 4,325 |
| Net interest margin | 2.7683% | 3,944 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 0.7414% | 4,673 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.6094% | 679 |
| Return on assets (ROA) | 1.6094% | 650 |
| Pretax return on assets | 1.9321% | 541 |
| Return on Equity (ROE) | 14.4800% | 1,411 |
| Retained earnings to average equity (ytd only) | 10.4840% | 1,009 |
| Net charge-offs to loans | 0.4604% | 166 |
| Credit loss provision to net charge-offs | 132.2314% | 1,394 |
| Earnings coverage of net charge-offs (x) | 19.3058% | 1,914 |
| Efficiency ratio | 26.3324% | 4,671 |
| Assets per employee ($millions) | 19.5625% | 104 |
| Cash dividends to net income (ytd only)* | 27.5847% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3277% | 1,769 |
| Loan loss allowance to noncurrent loans | 49.1946% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 0.6664% | 745 |
| Noncurrent loans to loans | 2.6989% | 168 |
| Net loans and leases to total assets | 24.3600% | 4,498 |
| Net loans and leases to deposits | 27.4580% | 4,508 |
| Net loans and leases to core deposits | 28.7421% | 4,498 |
| Total domestic deposits to total assets | 88.7300% | 1,803 |
| Equity capital to assets | 11.2004% | 1,182 |
| Core capital (leverage) ratio | 11.2547% | 1,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $563,122,000 | 1,576 |
| Average earning assets | $549,573,000 | 1,503 |
| Average equity | $62,600,200 | 1,351 |
| Average total loans | $131,411,200 | 2,813 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6239% | 4,369 |
| Cost of funding earning assets | 0.1022% | 4,264 |
| Net interest margin | 2.5217% | 4,192 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 0.6614% | 4,721 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.4922% | 868 |
| Return on assets (ROA) | 1.4922% | 850 |
| Pretax return on assets | 1.8390% | 678 |
| Return on Equity (ROE) | 13.4500% | 1,578 |
| Retained earnings to average equity (ytd only) | 11.2932% | 970 |
| Net charge-offs to loans | 0.1083% | 574 |
| Credit loss provision to net charge-offs | 288.4615% | 831 |
| Earnings coverage of net charge-offs (x) | 76.7788% | 1,062 |
| Efficiency ratio | 25.7140% | 4,707 |
| Assets per employee ($millions) | 21.2998% | 89 |
| Cash dividends to net income (ytd only)* | 16.0359% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4234% | 1,535 |
| Loan loss allowance to noncurrent loans | 45.4031% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 0.7376% | 691 |
| Noncurrent loans to loans | 3.1351% | 146 |
| Net loans and leases to total assets | 23.1900% | 4,558 |
| Net loans and leases to deposits | 26.1343% | 4,559 |
| Net loans and leases to core deposits | 27.3311% | 4,552 |
| Total domestic deposits to total assets | 88.7400% | 2,190 |
| Equity capital to assets | 11.1990% | 1,101 |
| Core capital (leverage) ratio | 11.3025% | 1,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $557,184,000 | 1,602 |
| Average earning assets | $542,845,000 | 1,524 |
| Average equity | $61,817,250 | 1,386 |
| Average total loans | $128,036,750 | 2,846 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3650% | 4,479 |
| Cost of funding earning assets | 0.1020% | 4,169 |
| Net interest margin | 2.2629% | 4,367 |
| Noninterest income to average assets | 0.1114% | 4,440 |
| Noninterest expense to average assets | 0.6600% | 4,744 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3639% | 991 |
| Return on assets (ROA) | 1.3639% | 967 |
| Pretax return on assets | 1.6560% | 837 |
| Return on Equity (ROE) | 12.3338% | 1,568 |
| Retained earnings to average equity (ytd only) | 12.3338% | 555 |
| Net charge-offs to loans | 0.2149% | 302 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 33.8074% | 1,342 |
| Efficiency ratio | 28.4976% | 4,724 |
| Assets per employee ($millions) | 19.6551% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 2,488 |
| Loan loss allowance to noncurrent loans | 48.2884% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 0.5791% | 971 |
| Noncurrent loans to loans | 2.5611% | 217 |
| Net loans and leases to total assets | 22.3329% | 4,624 |
| Net loans and leases to deposits | 25.1204% | 4,630 |
| Net loans and leases to core deposits | 26.2384% | 4,622 |
| Total domestic deposits to total assets | 88.9036% | 2,227 |
| Equity capital to assets | 11.0399% | 1,196 |
| Core capital (leverage) ratio | 11.3994% | 1,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $551,214,000 | 1,623 |
| Average earning assets | $537,007,667 | 1,562 |
| Average equity | $60,954,667 | 1,421 |
| Average total loans | $125,613,667 | 2,887 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2131% | 4,522 |
| Cost of funding earning assets | 0.1013% | 4,116 |
| Net interest margin | 2.1118% | 4,429 |
| Noninterest income to average assets | 0.1100% | 4,459 |
| Noninterest expense to average assets | 0.7360% | 4,759 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1819% | 1,293 |
| Return on assets (ROA) | 1.1819% | 1,290 |
| Pretax return on assets | 1.4366% | 1,158 |
| Return on Equity (ROE) | 10.6789% | 1,736 |
| Retained earnings to average equity (ytd only) | 10.6789% | 853 |
| Net charge-offs to loans | 0.2775% | 228 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 22.6279% | 1,239 |
| Efficiency ratio | 33.8770% | 4,718 |
| Assets per employee ($millions) | 19.1167% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 2,294 |
| Loan loss allowance to noncurrent loans | 45.6389% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 0.6645% | 878 |
| Noncurrent loans to loans | 2.8758% | 190 |
| Net loans and leases to total assets | 22.2840% | 4,640 |
| Net loans and leases to deposits | 25.0445% | 4,654 |
| Net loans and leases to core deposits | 26.1905% | 4,649 |
| Total domestic deposits to total assets | 88.9775% | 2,094 |
| Equity capital to assets | 10.9615% | 1,343 |
| Core capital (leverage) ratio | 11.3049% | 1,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $541,822,500 | 1,658 |
| Average earning assets | $529,219,500 | 1,593 |
| Average equity | $59,968,500 | 1,486 |
| Average total loans | $123,975,000 | 2,909 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4595% | 4,511 |
| Cost of funding earning assets | 0.1076% | 4,330 |
| Net interest margin | 2.3519% | 4,365 |
| Noninterest income to average assets | 0.1157% | 4,544 |
| Noninterest expense to average assets | 0.8501% | 4,782 |
| Loan and lease loss provision to assets | 0.0405% | 2,231 |
| Net operating income to assets | 1.2518% | 1,739 |
| Return on assets (ROA) | 1.2534% | 1,785 |
| Pretax return on assets | 1.5218% | 1,647 |
| Return on Equity (ROE) | 10.7245% | 2,267 |
| Retained earnings to average equity (ytd only) | 7.2560% | 1,824 |
| Net charge-offs to loans | 0.1130% | 788 |
| Credit loss provision to net charge-offs | 144.9275% | 1,516 |
| Earnings coverage of net charge-offs (x) | 55.7826% | 1,230 |
| Efficiency ratio | 35.2674% | 4,759 |
| Assets per employee ($millions) | 18.2503% | 130 |
| Cash dividends to net income (ytd only)* | 32.3415% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4083% | 1,892 |
| Loan loss allowance to noncurrent loans | 46.8056% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 0.7138% | 880 |
| Noncurrent loans to loans | 3.0089% | 195 |
| Net loans and leases to total assets | 22.8695% | 4,675 |
| Net loans and leases to deposits | 25.7665% | 4,693 |
| Net loans and leases to core deposits | 27.0131% | 4,685 |
| Total domestic deposits to total assets | 88.7566% | 1,639 |
| Equity capital to assets | 11.1794% | 1,678 |
| Core capital (leverage) ratio | 11.6204% | 1,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $493,361,400 | 1,711 |
| Average earning assets | $481,365,000 | 1,656 |
| Average equity | $57,662,600 | 1,571 |
| Average total loans | $122,170,400 | 2,934 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5555% | 4,535 |
| Cost of funding earning assets | 0.1095% | 4,428 |
| Net interest margin | 2.4460% | 4,349 |
| Noninterest income to average assets | 0.1118% | 4,620 |
| Noninterest expense to average assets | 0.7969% | 4,868 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3966% | 1,556 |
| Return on assets (ROA) | 1.3966% | 1,616 |
| Pretax return on assets | 1.7005% | 1,400 |
| Return on Equity (ROE) | 11.8094% | 2,112 |
| Retained earnings to average equity (ytd only) | 9.4820% | 1,499 |
| Net charge-offs to loans | 0.1246% | 635 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 54.1930% | 1,194 |
| Efficiency ratio | 31.9079% | 4,852 |
| Assets per employee ($millions) | 17.4484% | 139 |
| Cash dividends to net income (ytd only)* | 19.7083% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 2,762 |
| Loan loss allowance to noncurrent loans | 41.2968% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 0.7603% | 953 |
| Noncurrent loans to loans | 3.0164% | 218 |
| Net loans and leases to total assets | 24.3472% | 4,738 |
| Net loans and leases to deposits | 27.5844% | 4,744 |
| Net loans and leases to core deposits | 28.9553% | 4,744 |
| Total domestic deposits to total assets | 88.2645% | 1,679 |
| Equity capital to assets | 11.6714% | 1,557 |
| Core capital (leverage) ratio | 11.9785% | 1,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $484,386,750 | 1,755 |
| Average earning assets | $472,425,000 | 1,696 |
| Average equity | $57,286,250 | 1,596 |
| Average total loans | $122,021,000 | 2,976 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6402% | 4,514 |
| Cost of funding earning assets | 0.1108% | 4,501 |
| Net interest margin | 2.5294% | 4,270 |
| Noninterest income to average assets | 0.1039% | 4,677 |
| Noninterest expense to average assets | 0.8605% | 4,894 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4225% | 1,509 |
| Return on assets (ROA) | 1.4225% | 1,576 |
| Pretax return on assets | 1.7218% | 1,429 |
| Return on Equity (ROE) | 11.9727% | 2,079 |
| Retained earnings to average equity (ytd only) | 11.9727% | 925 |
| Net charge-offs to loans | 0.2064% | 414 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 32.8640% | 1,261 |
| Efficiency ratio | 33.3225% | 4,879 |
| Assets per employee ($millions) | 17.4349% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2329% | 2,760 |
| Loan loss allowance to noncurrent loans | 43.6739% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 0.7237% | 1,135 |
| Noncurrent loans to loans | 2.8231% | 266 |
| Net loans and leases to total assets | 25.3198% | 4,766 |
| Net loans and leases to deposits | 28.7811% | 4,775 |
| Net loans and leases to core deposits | 30.1979% | 4,773 |
| Total domestic deposits to total assets | 87.9736% | 1,841 |
| Equity capital to assets | 11.9584% | 1,382 |
| Core capital (leverage) ratio | 11.9394% | 1,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $477,181,000 | 1,768 |
| Average earning assets | $467,544,667 | 1,704 |
| Average equity | $56,695,667 | 1,603 |
| Average total loans | $121,110,667 | 2,997 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3515% | 4,739 |
| Cost of funding earning assets | 0.1094% | 4,593 |
| Net interest margin | 2.2422% | 4,577 |
| Noninterest income to average assets | 0.4910% | 2,649 |
| Noninterest expense to average assets | 0.9125% | 4,922 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4773% | 1,381 |
| Return on assets (ROA) | 1.4773% | 1,444 |
| Pretax return on assets | 1.7690% | 1,360 |
| Return on Equity (ROE) | 12.4753% | 1,845 |
| Retained earnings to average equity (ytd only) | 12.4753% | 1,035 |
| Net charge-offs to loans | 0.0840% | 774 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 83.4400% | 681 |
| Efficiency ratio | 34.0291% | 4,873 |
| Assets per employee ($millions) | 17.4111% | 139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3341% | 2,276 |
| Loan loss allowance to noncurrent loans | 38.2929% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 0.8796% | 997 |
| Noncurrent loans to loans | 3.4838% | 195 |
| Net loans and leases to total assets | 24.9105% | 4,798 |
| Net loans and leases to deposits | 28.2130% | 4,816 |
| Net loans and leases to core deposits | 29.5961% | 4,818 |
| Total domestic deposits to total assets | 88.2944% | 1,702 |
| Equity capital to assets | 11.6359% | 1,475 |
| Core capital (leverage) ratio | 12.0327% | 1,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $471,683,500 | 1,774 |
| Average earning assets | $460,803,500 | 1,713 |
| Average equity | $55,854,500 | 1,608 |
| Average total loans | $119,092,000 | 3,023 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8088% | 4,749 |
| Cost of funding earning assets | 0.1144% | 4,829 |
| Net interest margin | 2.6944% | 4,384 |
| Noninterest income to average assets | 0.2206% | 4,174 |
| Noninterest expense to average assets | 0.8428% | 4,953 |
| Loan and lease loss provision to assets | 0.1579% | 2,396 |
| Net operating income to assets | 1.4818% | 854 |
| Return on assets (ROA) | 1.4818% | 925 |
| Pretax return on assets | 1.8602% | 599 |
| Return on Equity (ROE) | 12.3628% | 1,213 |
| Retained earnings to average equity (ytd only) | 9.5403% | 677 |
| Net charge-offs to loans | 0.3996% | 431 |
| Credit loss provision to net charge-offs | 151.1879% | 2,418 |
| Earnings coverage of net charge-offs (x) | 19.3261% | 1,984 |
| Efficiency ratio | 29.4600% | 4,963 |
| Assets per employee ($millions) | 16.2806% | 145 |
| Cash dividends to net income (ytd only)* | 22.8311% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4492% | 1,782 |
| Loan loss allowance to noncurrent loans | 41.2667% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 0.8950% | 1,112 |
| Noncurrent loans to loans | 3.5117% | 195 |
| Net loans and leases to total assets | 24.8835% | 4,836 |
| Net loans and leases to deposits | 28.3149% | 4,852 |
| Net loans and leases to core deposits | 29.8077% | 4,856 |
| Total domestic deposits to total assets | 87.8811% | 1,542 |
| Equity capital to assets | 12.0615% | 1,537 |
| Core capital (leverage) ratio | 12.1764% | 1,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $443,389,200 | 1,723 |
| Average earning assets | $434,489,000 | 1,641 |
| Average equity | $53,143,200 | 1,600 |
| Average total loans | $115,856,600 | 3,024 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9299% | 4,781 |
| Cost of funding earning assets | 0.1156% | 4,893 |
| Net interest margin | 2.8143% | 4,320 |
| Noninterest income to average assets | 0.2520% | 3,968 |
| Noninterest expense to average assets | 0.7680% | 4,995 |
| Loan and lease loss provision to assets | 0.0909% | 3,176 |
| Net operating income to assets | 1.7128% | 561 |
| Return on assets (ROA) | 1.7128% | 625 |
| Pretax return on assets | 2.1589% | 370 |
| Return on Equity (ROE) | 14.3141% | 821 |
| Retained earnings to average equity (ytd only) | 12.4160% | 383 |
| Net charge-offs to loans | 0.1413% | 1,032 |
| Credit loss provision to net charge-offs | 243.9024% | 1,946 |
| Earnings coverage of net charge-offs (x) | 60.3984% | 1,094 |
| Efficiency ratio | 25.4491% | 5,009 |
| Assets per employee ($millions) | 15.9092% | 138 |
| Cash dividends to net income (ytd only)* | 13.2603% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3564% | 1,926 |
| Loan loss allowance to noncurrent loans | 47.3064% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 0.8205% | 1,405 |
| Noncurrent loans to loans | 2.8672% | 340 |
| Net loans and leases to total assets | 26.2360% | 4,881 |
| Net loans and leases to deposits | 29.9392% | 4,895 |
| Net loans and leases to core deposits | 31.4888% | 4,894 |
| Total domestic deposits to total assets | 87.6309% | 1,382 |
| Equity capital to assets | 12.3067% | 1,511 |
| Core capital (leverage) ratio | 12.2205% | 1,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $440,272,250 | 1,708 |
| Average earning assets | $432,684,500 | 1,631 |
| Average equity | $52,683,250 | 1,600 |
| Average total loans | $116,045,500 | 3,030 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1098% | 4,785 |
| Cost of funding earning assets | 0.1156% | 4,946 |
| Net interest margin | 2.9942% | 4,137 |
| Noninterest income to average assets | 0.2983% | 3,682 |
| Noninterest expense to average assets | 0.7744% | 5,034 |
| Loan and lease loss provision to assets | 0.1368% | 2,650 |
| Net operating income to assets | 1.8393% | 463 |
| Return on assets (ROA) | 1.8393% | 508 |
| Pretax return on assets | 2.3286% | 291 |
| Return on Equity (ROE) | 15.5203% | 633 |
| Retained earnings to average equity (ytd only) | 15.5203% | 198 |
| Net charge-offs to loans | 0.1736% | 859 |
| Credit loss provision to net charge-offs | 300.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 54.0600% | 1,048 |
| Efficiency ratio | 23.9020% | 5,039 |
| Assets per employee ($millions) | 16.8039% | 122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3825% | 1,646 |
| Loan loss allowance to noncurrent loans | 47.2601% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 0.8223% | 1,504 |
| Noncurrent loans to loans | 2.9253% | 339 |
| Net loans and leases to total assets | 25.6273% | 4,916 |
| Net loans and leases to deposits | 29.1045% | 4,933 |
| Net loans and leases to core deposits | 30.6130% | 4,928 |
| Total domestic deposits to total assets | 88.0528% | 1,144 |
| Equity capital to assets | 11.8904% | 1,731 |
| Core capital (leverage) ratio | 11.8907% | 1,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $438,544,000 | 1,691 |
| Average earning assets | $430,832,667 | 1,614 |
| Average equity | $51,970,667 | 1,609 |
| Average total loans | $115,235,000 | 3,031 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4655% | 4,666 |
| Cost of funding earning assets | 0.1162% | 5,022 |
| Net interest margin | 3.3493% | 3,449 |
| Noninterest income to average assets | 0.1522% | 4,611 |
| Noninterest expense to average assets | 0.7973% | 5,078 |
| Loan and lease loss provision to assets | 0.0928% | 2,520 |
| Net operating income to assets | 1.9835% | 277 |
| Return on assets (ROA) | 1.9835% | 305 |
| Pretax return on assets | 2.5524% | 151 |
| Return on Equity (ROE) | 16.7665% | 358 |
| Retained earnings to average equity (ytd only) | 16.7665% | 122 |
| Net charge-offs to loans | -0.0281% | 4,446 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.1599% | 5,085 |
| Assets per employee ($millions) | 16.2504% | 110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 1,949 |
| Loan loss allowance to noncurrent loans | 37.7980% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 0.9917% | 1,333 |
| Noncurrent loans to loans | 3.5467% | 258 |
| Net loans and leases to total assets | 25.7972% | 4,962 |
| Net loans and leases to deposits | 29.2878% | 4,982 |
| Net loans and leases to core deposits | 30.8398% | 4,976 |
| Total domestic deposits to total assets | 88.0819% | 1,077 |
| Equity capital to assets | 11.8630% | 2,174 |
| Core capital (leverage) ratio | 12.0562% | 1,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $430,964,000 | 1,672 |
| Average earning assets | $423,377,000 | 1,585 |
| Average equity | $50,982,500 | 1,633 |
| Average total loans | $113,901,500 | 3,031 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6395% | 4,737 |
| Cost of funding earning assets | 0.1217% | 5,083 |
| Net interest margin | 3.5178% | 3,395 |
| Noninterest income to average assets | 0.1730% | 4,627 |
| Noninterest expense to average assets | 0.8531% | 5,136 |
| Loan and lease loss provision to assets | 0.0608% | 2,823 |
| Net operating income to assets | 2.1880% | 227 |
| Return on assets (ROA) | 2.1880% | 242 |
| Pretax return on assets | 2.7056% | 144 |
| Return on Equity (ROE) | 19.1258% | 262 |
| Retained earnings to average equity (ytd only) | 14.8728% | 97 |
| Net charge-offs to loans | 0.2412% | 849 |
| Credit loss provision to net charge-offs | 90.2527% | 2,652 |
| Earnings coverage of net charge-offs (x) | 41.0542% | 1,295 |
| Efficiency ratio | 23.5701% | 5,154 |
| Assets per employee ($millions) | 15.6729% | 110 |
| Cash dividends to net income (ytd only)* | 22.2370% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2646% | 2,092 |
| Loan loss allowance to noncurrent loans | 38.9010% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 1.0284% | 1,211 |
| Noncurrent loans to loans | 3.2509% | 267 |
| Net loans and leases to total assets | 26.3836% | 5,017 |
| Net loans and leases to deposits | 29.9330% | 5,037 |
| Net loans and leases to core deposits | 31.4858% | 5,037 |
| Total domestic deposits to total assets | 88.1423% | 1,065 |
| Equity capital to assets | 11.7956% | 2,284 |
| Core capital (leverage) ratio | 12.0782% | 1,730 |
| Tier 1 risk-based capital ratio | 32.9270% | 387 |
| Total risk-based capital ratio | 33.8710% | 387 |
| Memoranda: | ||
| Average total assets | $411,068,600 | 1,707 |
| Average earning assets | $402,746,800 | 1,612 |
| Average equity | $47,025,400 | 1,684 |
| Average total loans | $114,852,800 | 3,006 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7240% | 4,756 |
| Cost of funding earning assets | 0.1234% | 5,156 |
| Net interest margin | 3.6006% | 3,248 |
| Noninterest income to average assets | 0.1771% | 4,658 |
| Noninterest expense to average assets | 0.7649% | 5,223 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.3435% | 208 |
| Return on assets (ROA) | 2.3435% | 219 |
| Pretax return on assets | 2.9408% | 127 |
| Return on Equity (ROE) | 20.6519% | 218 |
| Retained earnings to average equity (ytd only) | 17.7723% | 70 |
| Net charge-offs to loans | 0.1538% | 1,075 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 67.6688% | 981 |
| Efficiency ratio | 20.6419% | 5,236 |
| Assets per employee ($millions) | 15.0746% | 122 |
| Cash dividends to net income (ytd only)* | 13.9431% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1603% | 2,715 |
| Loan loss allowance to noncurrent loans | 36.0522% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 1.0570% | 1,251 |
| Noncurrent loans to loans | 3.2184% | 281 |
| Net loans and leases to total assets | 27.7516% | 5,095 |
| Net loans and leases to deposits | 31.5799% | 5,114 |
| Net loans and leases to core deposits | 33.2903% | 5,110 |
| Total domestic deposits to total assets | 87.8776% | 1,089 |
| Equity capital to assets | 12.0617% | 2,209 |
| Core capital (leverage) ratio | 11.7238% | 2,063 |
| Tier 1 risk-based capital ratio | 33.2922% | 388 |
| Total risk-based capital ratio | 34.1921% | 395 |
| Memoranda: | ||
| Average total assets | $408,043,750 | 1,731 |
| Average earning assets | $399,883,750 | 1,629 |
| Average equity | $46,303,000 | 1,708 |
| Average total loans | $115,296,750 | 3,036 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7504% | 4,771 |
| Cost of funding earning assets | 0.1238% | 5,200 |
| Net interest margin | 3.6266% | 3,174 |
| Noninterest income to average assets | 0.1817% | 4,658 |
| Noninterest expense to average assets | 0.7655% | 5,273 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.3507% | 192 |
| Return on assets (ROA) | 2.3507% | 200 |
| Pretax return on assets | 2.9741% | 126 |
| Return on Equity (ROE) | 21.1580% | 195 |
| Retained earnings to average equity (ytd only) | 21.1580% | 50 |
| Net charge-offs to loans | 0.0104% | 2,760 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 1,012.1667% | 68 |
| Efficiency ratio | 20.4688% | 5,279 |
| Assets per employee ($millions) | 15.0800% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 2,156 |
| Loan loss allowance to noncurrent loans | 50.2422% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 0.9146% | 1,524 |
| Noncurrent loans to loans | 2.5206% | 472 |
| Net loans and leases to total assets | 27.8036% | 5,127 |
| Net loans and leases to deposits | 31.5187% | 5,153 |
| Net loans and leases to core deposits | 33.3151% | 5,156 |
| Total domestic deposits to total assets | 88.2132% | 1,002 |
| Equity capital to assets | 11.7202% | 2,420 |
| Core capital (leverage) ratio | 11.6547% | 2,054 |
| Tier 1 risk-based capital ratio | 31.6756% | 427 |
| Total risk-based capital ratio | 32.6428% | 435 |
| Memoranda: | ||
| Average total assets | $408,387,000 | 1,728 |
| Average earning assets | $400,648,000 | 1,628 |
| Average equity | $45,373,000 | 1,736 |
| Average total loans | $115,636,000 | 3,036 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7998% | 4,710 |
| Cost of funding earning assets | 0.1235% | 5,253 |
| Net interest margin | 3.6764% | 2,982 |
| Noninterest income to average assets | 0.1780% | 4,681 |
| Noninterest expense to average assets | 0.7550% | 5,336 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.5027% | 161 |
| Return on assets (ROA) | 2.5027% | 170 |
| Pretax return on assets | 3.0337% | 123 |
| Return on Equity (ROE) | 23.1586% | 142 |
| Retained earnings to average equity (ytd only) | 23.1586% | 63 |
| Net charge-offs to loans | -0.0138% | 4,350 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.9277% | 5,342 |
| Assets per employee ($millions) | 14.6695% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 2,269 |
| Loan loss allowance to noncurrent loans | 42.8613% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 0.9505% | 1,481 |
| Noncurrent loans to loans | 2.9405% | 379 |
| Net loans and leases to total assets | 27.8857% | 5,181 |
| Net loans and leases to deposits | 31.3698% | 5,203 |
| Net loans and leases to core deposits | 33.0212% | 5,202 |
| Total domestic deposits to total assets | 88.8934% | 914 |
| Equity capital to assets | 11.0723% | 2,779 |
| Core capital (leverage) ratio | 11.0236% | 2,554 |
| Tier 1 risk-based capital ratio | 30.1102% | 470 |
| Total risk-based capital ratio | 31.0814% | 473 |
| Memoranda: | ||
| Average total assets | $409,001,000 | 1,738 |
| Average earning assets | $401,701,500 | 1,627 |
| Average equity | $44,199,500 | 1,771 |
| Average total loans | $116,125,500 | 3,061 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5627% | 4,843 |
| Cost of funding earning assets | 0.1298% | 5,224 |
| Net interest margin | 3.4329% | 3,901 |
| Noninterest income to average assets | 0.1751% | 4,848 |
| Noninterest expense to average assets | 0.9314% | 5,363 |
| Loan and lease loss provision to assets | 0.0519% | 3,143 |
| Net operating income to assets | 2.0793% | 306 |
| Return on assets (ROA) | 2.0793% | 304 |
| Pretax return on assets | 2.5595% | 184 |
| Return on Equity (ROE) | 20.0133% | 251 |
| Retained earnings to average equity (ytd only) | 15.6436% | 92 |
| Net charge-offs to loans | 0.2292% | 851 |
| Credit loss provision to net charge-offs | 73.8007% | 2,942 |
| Earnings coverage of net charge-offs (x) | 37.1439% | 1,393 |
| Efficiency ratio | 26.2888% | 5,375 |
| Assets per employee ($millions) | 14.5449% | 109 |
| Cash dividends to net income (ytd only)* | 21.8341% | 3,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 2,274 |
| Loan loss allowance to noncurrent loans | 39.6843% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 1.0308% | 1,324 |
| Noncurrent loans to loans | 3.1604% | 310 |
| Net loans and leases to total assets | 28.1866% | 5,231 |
| Net loans and leases to deposits | 31.5173% | 5,252 |
| Net loans and leases to core deposits | 33.1517% | 5,249 |
| Total domestic deposits to total assets | 89.4322% | 688 |
| Equity capital to assets | 10.5388% | 3,143 |
| Core capital (leverage) ratio | 10.9317% | 2,594 |
| Tier 1 risk-based capital ratio | 27.9704% | 565 |
| Total risk-based capital ratio | 28.9238% | 573 |
| Memoranda: | ||
| Average total assets | $385,461,000 | 1,775 |
| Average earning assets | $378,139,200 | 1,686 |
| Average equity | $40,048,400 | 1,857 |
| Average total loans | $118,218,600 | 3,015 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5220% | 4,910 |
| Cost of funding earning assets | 0.1324% | 5,270 |
| Net interest margin | 3.3896% | 4,034 |
| Noninterest income to average assets | 0.1670% | 4,952 |
| Noninterest expense to average assets | 0.8186% | 5,440 |
| Loan and lease loss provision to assets | 0.0702% | 2,563 |
| Net operating income to assets | 2.1529% | 280 |
| Return on assets (ROA) | 2.1529% | 278 |
| Pretax return on assets | 2.6023% | 195 |
| Return on Equity (ROE) | 20.8010% | 225 |
| Retained earnings to average equity (ytd only) | 18.2585% | 82 |
| Net charge-offs to loans | 0.1898% | 880 |
| Credit loss provision to net charge-offs | 118.3432% | 2,002 |
| Earnings coverage of net charge-offs (x) | 45.0706% | 1,253 |
| Efficiency ratio | 23.4472% | 5,448 |
| Assets per employee ($millions) | 13.7783% | 128 |
| Cash dividends to net income (ytd only)* | 12.2230% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3159% | 2,024 |
| Loan loss allowance to noncurrent loans | 37.5511% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 1.2696% | 1,085 |
| Noncurrent loans to loans | 3.5042% | 270 |
| Net loans and leases to total assets | 30.3447% | 5,271 |
| Net loans and leases to deposits | 34.0701% | 5,299 |
| Net loans and leases to core deposits | 35.9128% | 5,301 |
| Total domestic deposits to total assets | 89.0653% | 828 |
| Equity capital to assets | 10.8974% | 2,755 |
| Core capital (leverage) ratio | 11.0092% | 2,565 |
| Tier 1 risk-based capital ratio | 27.5834% | 595 |
| Total risk-based capital ratio | 28.6109% | 597 |
| Memoranda: | ||
| Average total assets | $380,012,000 | 1,805 |
| Average earning assets | $372,660,000 | 1,712 |
| Average equity | $39,330,500 | 1,890 |
| Average total loans | $118,710,750 | 3,035 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4968% | 4,929 |
| Cost of funding earning assets | 0.1333% | 5,307 |
| Net interest margin | 3.3635% | 4,067 |
| Noninterest income to average assets | 0.1735% | 4,958 |
| Noninterest expense to average assets | 0.8072% | 5,511 |
| Loan and lease loss provision to assets | 0.1058% | 1,844 |
| Net operating income to assets | 2.0249% | 366 |
| Return on assets (ROA) | 2.0249% | 362 |
| Pretax return on assets | 2.5571% | 202 |
| Return on Equity (ROE) | 19.9235% | 273 |
| Retained earnings to average equity (ytd only) | 19.9235% | 69 |
| Net charge-offs to loans | 0.1516% | 1,018 |
| Credit loss provision to net charge-offs | 222.2222% | 1,215 |
| Earnings coverage of net charge-offs (x) | 55.9333% | 1,047 |
| Efficiency ratio | 23.2622% | 5,513 |
| Assets per employee ($millions) | 13.6201% | 131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4078% | 1,723 |
| Loan loss allowance to noncurrent loans | 38.4796% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 1.3386% | 1,048 |
| Noncurrent loans to loans | 3.6585% | 265 |
| Net loans and leases to total assets | 30.1175% | 5,323 |
| Net loans and leases to deposits | 33.7081% | 5,352 |
| Net loans and leases to core deposits | 35.5200% | 5,348 |
| Total domestic deposits to total assets | 89.3479% | 791 |
| Equity capital to assets | 10.6151% | 3,016 |
| Core capital (leverage) ratio | 10.6394% | 2,880 |
| Tier 1 risk-based capital ratio | 26.9670% | 612 |
| Total risk-based capital ratio | 28.0628% | 612 |
| Memoranda: | ||
| Average total assets | $378,085,670 | 1,823 |
| Average earning assets | $370,566,000 | 1,729 |
| Average equity | $38,427,000 | 1,936 |
| Average total loans | $118,738,330 | 3,053 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4891% | 4,897 |
| Cost of funding earning assets | 0.1334% | 5,343 |
| Net interest margin | 3.3556% | 4,035 |
| Noninterest income to average assets | 0.1551% | 5,087 |
| Noninterest expense to average assets | 0.8426% | 5,575 |
| Loan and lease loss provision to assets | 0.2125% | 759 |
| Net operating income to assets | 1.5832% | 889 |
| Return on assets (ROA) | 1.5832% | 895 |
| Pretax return on assets | 2.3865% | 269 |
| Return on Equity (ROE) | 15.9360% | 634 |
| Retained earnings to average equity (ytd only) | 15.9360% | 253 |
| Net charge-offs to loans | 0.3137% | 484 |
| Credit loss provision to net charge-offs | 212.7660% | 1,010 |
| Earnings coverage of net charge-offs (x) | 26.0213% | 1,326 |
| Efficiency ratio | 24.4829% | 5,579 |
| Assets per employee ($millions) | 13.7318% | 135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3949% | 1,863 |
| Loan loss allowance to noncurrent loans | 40.3851% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 1.2466% | 1,202 |
| Noncurrent loans to loans | 3.4540% | 305 |
| Net loans and leases to total assets | 30.0784% | 5,363 |
| Net loans and leases to deposits | 33.4029% | 5,403 |
| Net loans and leases to core deposits | 35.1414% | 5,405 |
| Total domestic deposits to total assets | 90.0470% | 641 |
| Equity capital to assets | 9.9210% | 3,673 |
| Core capital (leverage) ratio | 10.0565% | 3,465 |
| Tier 1 risk-based capital ratio | 25.1146% | 746 |
| Total risk-based capital ratio | 26.1950% | 741 |
| Memoranda: | ||
| Average total assets | $376,447,000 | 1,837 |
| Average earning assets | $368,692,000 | 1,750 |
| Average equity | $37,399,500 | 1,980 |
| Average total loans | $119,859,000 | 3,068 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6690% | 4,414 |
| Cost of funding earning assets | 0.1369% | 5,329 |
| Net interest margin | 3.5321% | 3,418 |
| Noninterest income to average assets | 0.0997% | 5,413 |
| Noninterest expense to average assets | 0.9448% | 5,621 |
| Loan and lease loss provision to assets | 0.0981% | 2,260 |
| Net operating income to assets | 1.8038% | 418 |
| Return on assets (ROA) | 1.8038% | 427 |
| Pretax return on assets | 2.5119% | 175 |
| Return on Equity (ROE) | 18.6165% | 265 |
| Retained earnings to average equity (ytd only) | 14.2790% | 97 |
| Net charge-offs to loans | 0.3666% | 693 |
| Credit loss provision to net charge-offs | 78.2998% | 2,970 |
| Earnings coverage of net charge-offs (x) | 20.8389% | 1,945 |
| Efficiency ratio | 26.5784% | 5,636 |
| Assets per employee ($millions) | 13.1573% | 140 |
| Cash dividends to net income (ytd only)* | 23.2992% | 3,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 2,473 |
| Loan loss allowance to noncurrent loans | 38.6071% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 1.2885% | 1,128 |
| Noncurrent loans to loans | 3.2368% | 326 |
| Net loans and leases to total assets | 32.8182% | 5,374 |
| Net loans and leases to deposits | 36.4591% | 5,420 |
| Net loans and leases to core deposits | 38.4628% | 5,413 |
| Total domestic deposits to total assets | 90.0137% | 562 |
| Equity capital to assets | 9.9494% | 3,762 |
| Core capital (leverage) ratio | 10.0985% | 3,324 |
| Tier 1 risk-based capital ratio | 23.7714% | 834 |
| Total risk-based capital ratio | 24.7675% | 840 |
| Memoranda: | ||
| Average total assets | $356,905,800 | 1,884 |
| Average earning assets | $349,114,800 | 1,807 |
| Average equity | $34,582,200 | 2,105 |
| Average total loans | $121,945,600 | 3,030 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6807% | 4,372 |
| Cost of funding earning assets | 0.1384% | 5,380 |
| Net interest margin | 3.5423% | 3,344 |
| Noninterest income to average assets | 0.1077% | 5,447 |
| Noninterest expense to average assets | 0.8285% | 5,697 |
| Loan and lease loss provision to assets | 0.0753% | 2,562 |
| Net operating income to assets | 1.9331% | 356 |
| Return on assets (ROA) | 1.9331% | 361 |
| Pretax return on assets | 2.6637% | 163 |
| Return on Equity (ROE) | 20.0909% | 218 |
| Retained earnings to average equity (ytd only) | 17.1554% | 72 |
| Net charge-offs to loans | 0.2933% | 727 |
| Credit loss provision to net charge-offs | 74.6269% | 2,650 |
| Earnings coverage of net charge-offs (x) | 27.1384% | 1,650 |
| Efficiency ratio | 23.2239% | 5,710 |
| Assets per employee ($millions) | 12.7481% | 152 |
| Cash dividends to net income (ytd only)* | 14.6114% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2637% | 2,558 |
| Loan loss allowance to noncurrent loans | 42.9083% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 1.3565% | 1,164 |
| Noncurrent loans to loans | 2.9451% | 446 |
| Net loans and leases to total assets | 34.1032% | 5,413 |
| Net loans and leases to deposits | 37.9556% | 5,460 |
| Net loans and leases to core deposits | 40.0501% | 5,457 |
| Total domestic deposits to total assets | 89.8503% | 526 |
| Equity capital to assets | 10.1136% | 3,786 |
| Core capital (leverage) ratio | 10.1521% | 3,376 |
| Tier 1 risk-based capital ratio | 23.7544% | 871 |
| Total risk-based capital ratio | 24.7829% | 878 |
| Memoranda: | ||
| Average total assets | $354,031,000 | 1,904 |
| Average earning assets | $345,793,000 | 1,833 |
| Average equity | $34,064,250 | 2,146 |
| Average total loans | $121,823,500 | 3,055 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5929% | 4,530 |
| Cost of funding earning assets | 0.1394% | 5,398 |
| Net interest margin | 3.4536% | 3,575 |
| Noninterest income to average assets | 0.1025% | 5,506 |
| Noninterest expense to average assets | 0.8650% | 5,751 |
| Loan and lease loss provision to assets | 0.1133% | 1,807 |
| Net operating income to assets | 1.8677% | 397 |
| Return on assets (ROA) | 1.8677% | 409 |
| Pretax return on assets | 2.4936% | 213 |
| Return on Equity (ROE) | 19.7510% | 225 |
| Retained earnings to average equity (ytd only) | 19.7510% | 63 |
| Net charge-offs to loans | 0.4747% | 419 |
| Credit loss provision to net charge-offs | 69.4444% | 2,384 |
| Earnings coverage of net charge-offs (x) | 15.9792% | 1,996 |
| Efficiency ratio | 24.9143% | 5,756 |
| Assets per employee ($millions) | 12.7012% | 145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2559% | 2,650 |
| Loan loss allowance to noncurrent loans | 35.0342% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 1.5792% | 948 |
| Noncurrent loans to loans | 3.5847% | 305 |
| Net loans and leases to total assets | 34.0032% | 5,445 |
| Net loans and leases to deposits | 37.7341% | 5,513 |
| Net loans and leases to core deposits | 40.0945% | 5,497 |
| Total domestic deposits to total assets | 90.1126% | 503 |
| Equity capital to assets | 9.8452% | 4,093 |
| Core capital (leverage) ratio | 9.7634% | 3,819 |
| Tier 1 risk-based capital ratio | 23.1477% | 928 |
| Total risk-based capital ratio | 24.1658% | 942 |
| Memoranda: | ||
| Average total assets | $353,059,330 | 1,913 |
| Average earning assets | $344,452,670 | 1,838 |
| Average equity | $33,385,670 | 2,168 |
| Average total loans | $121,335,330 | 3,072 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5346% | 4,589 |
| Cost of funding earning assets | 0.1344% | 5,466 |
| Net interest margin | 3.4002% | 3,652 |
| Noninterest income to average assets | 0.1012% | 5,587 |
| Noninterest expense to average assets | 0.8710% | 5,822 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.9456% | 333 |
| Return on assets (ROA) | 1.9456% | 346 |
| Pretax return on assets | 2.5391% | 204 |
| Return on Equity (ROE) | 21.0119% | 191 |
| Retained earnings to average equity (ytd only) | 21.0119% | 93 |
| Net charge-offs to loans | 0.3146% | 589 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 23.5053% | 1,385 |
| Efficiency ratio | 25.5418% | 5,818 |
| Assets per employee ($millions) | 12.9025% | 139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 2,709 |
| Loan loss allowance to noncurrent loans | 40.7881% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 1.3793% | 1,215 |
| Noncurrent loans to loans | 3.1052% | 432 |
| Net loans and leases to total assets | 33.0570% | 5,496 |
| Net loans and leases to deposits | 36.4593% | 5,568 |
| Net loans and leases to core deposits | 38.6871% | 5,551 |
| Total domestic deposits to total assets | 90.6682% | 402 |
| Equity capital to assets | 9.2526% | 4,566 |
| Core capital (leverage) ratio | 9.3560% | 4,270 |
| Tier 1 risk-based capital ratio | 21.8352% | 1,101 |
| Total risk-based capital ratio | 22.8372% | 1,116 |
| Memoranda: | ||
| Average total assets | $351,772,000 | 1,924 |
| Average earning assets | $342,334,000 | 1,860 |
| Average equity | $32,572,000 | 2,212 |
| Average total loans | $120,770,500 | 3,095 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5017% | 4,777 |
| Cost of funding earning assets | 0.1396% | 5,487 |
| Net interest margin | 3.3621% | 3,953 |
| Noninterest income to average assets | 0.0727% | 5,716 |
| Noninterest expense to average assets | 0.9584% | 5,862 |
| Loan and lease loss provision to assets | 0.2627% | 783 |
| Net operating income to assets | 1.4809% | 867 |
| Return on assets (ROA) | 1.4809% | 885 |
| Pretax return on assets | 2.1337% | 374 |
| Return on Equity (ROE) | 16.6841% | 437 |
| Retained earnings to average equity (ytd only) | 11.7519% | 238 |
| Net charge-offs to loans | 0.5853% | 395 |
| Credit loss provision to net charge-offs | 128.2051% | 2,089 |
| Earnings coverage of net charge-offs (x) | 11.6966% | 2,516 |
| Efficiency ratio | 28.5689% | 5,875 |
| Assets per employee ($millions) | 11.8026% | 180 |
| Cash dividends to net income (ytd only)* | 29.5625% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 2,309 |
| Loan loss allowance to noncurrent loans | 50.6227% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 1.2922% | 1,365 |
| Noncurrent loans to loans | 2.6637% | 571 |
| Net loans and leases to total assets | 34.7552% | 5,531 |
| Net loans and leases to deposits | 38.3402% | 5,596 |
| Net loans and leases to core deposits | 40.8205% | 5,578 |
| Total domestic deposits to total assets | 90.6496% | 404 |
| Equity capital to assets | 9.2666% | 4,505 |
| Core capital (leverage) ratio | 9.3632% | 4,267 |
| Tier 1 risk-based capital ratio | 21.3856% | 1,151 |
| Total risk-based capital ratio | 22.4833% | 1,154 |
| Memoranda: | ||
| Average total assets | $342,641,000 | 1,935 |
| Average earning assets | $334,491,400 | 1,853 |
| Average equity | $30,412,200 | 2,322 |
| Average total loans | $119,935,600 | 3,071 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4750% | 4,884 |
| Cost of funding earning assets | 0.1402% | 5,547 |
| Net interest margin | 3.3347% | 4,078 |
| Noninterest income to average assets | 0.0591% | 5,812 |
| Noninterest expense to average assets | 0.8800% | 5,938 |
| Loan and lease loss provision to assets | 0.2334% | 843 |
| Net operating income to assets | 1.5207% | 845 |
| Return on assets (ROA) | 1.5207% | 894 |
| Pretax return on assets | 2.2019% | 385 |
| Return on Equity (ROE) | 17.3232% | 416 |
| Retained earnings to average equity (ytd only) | 13.9995% | 173 |
| Net charge-offs to loans | 0.4642% | 458 |
| Credit loss provision to net charge-offs | 143.8849% | 1,823 |
| Earnings coverage of net charge-offs (x) | 15.0119% | 2,208 |
| Efficiency ratio | 26.5431% | 5,947 |
| Assets per employee ($millions) | 11.7276% | 181 |
| Cash dividends to net income (ytd only)* | 19.1866% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3251% | 2,549 |
| Loan loss allowance to noncurrent loans | 49.5238% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 1.3131% | 1,457 |
| Noncurrent loans to loans | 2.6757% | 619 |
| Net loans and leases to total assets | 35.2946% | 5,574 |
| Net loans and leases to deposits | 38.9195% | 5,658 |
| Net loans and leases to core deposits | 41.4528% | 5,649 |
| Total domestic deposits to total assets | 90.6863% | 279 |
| Equity capital to assets | 9.2038% | 4,968 |
| Core capital (leverage) ratio | 9.3201% | 4,437 |
| Tier 1 risk-based capital ratio | 21.1056% | 1,249 |
| Total risk-based capital ratio | 22.1932% | 1,264 |
| Memoranda: | ||
| Average total assets | $342,732,750 | 1,933 |
| Average earning assets | $334,649,750 | 1,857 |
| Average equity | $30,086,000 | 2,361 |
| Average total loans | $119,773,500 | 3,080 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4642% | 4,952 |
| Cost of funding earning assets | 0.1404% | 5,608 |
| Net interest margin | 3.3237% | 4,144 |
| Noninterest income to average assets | 0.1013% | 5,774 |
| Noninterest expense to average assets | 0.8568% | 6,021 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.8282% | 455 |
| Return on assets (ROA) | 1.8282% | 476 |
| Pretax return on assets | 2.4959% | 221 |
| Return on Equity (ROE) | 21.1653% | 187 |
| Retained earnings to average equity (ytd only) | 21.1653% | 50 |
| Net charge-offs to loans | 0.4196% | 544 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 17.1520% | 1,889 |
| Efficiency ratio | 25.5556% | 6,027 |
| Assets per employee ($millions) | 12.4899% | 139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 4,585 |
| Loan loss allowance to noncurrent loans | 33.1644% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 1.4536% | 1,335 |
| Noncurrent loans to loans | 2.9784% | 505 |
| Net loans and leases to total assets | 35.0156% | 5,646 |
| Net loans and leases to deposits | 38.6311% | 5,731 |
| Net loans and leases to core deposits | 41.1681% | 5,703 |
| Total domestic deposits to total assets | 90.6410% | 277 |
| Equity capital to assets | 9.2765% | 4,997 |
| Core capital (leverage) ratio | 9.0568% | 4,765 |
| Tier 1 risk-based capital ratio | 21.4112% | 1,208 |
| Total risk-based capital ratio | 22.2181% | 1,261 |
| Memoranda: | ||
| Average total assets | $343,610,330 | 1,939 |
| Average earning assets | $336,128,330 | 1,849 |
| Average equity | $29,680,670 | 2,393 |
| Average total loans | $119,148,330 | 3,094 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4287% | 5,055 |
| Cost of funding earning assets | 0.1391% | 5,687 |
| Net interest margin | 3.2896% | 4,262 |
| Noninterest income to average assets | 0.0946% | 5,841 |
| Noninterest expense to average assets | 0.8339% | 6,086 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6990% | 579 |
| Return on assets (ROA) | 1.6990% | 619 |
| Pretax return on assets | 2.4798% | 246 |
| Return on Equity (ROE) | 20.4020% | 219 |
| Retained earnings to average equity (ytd only) | 20.4020% | 85 |
| Net charge-offs to loans | 0.1478% | 1,227 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 48.8636% | 897 |
| Efficiency ratio | 25.1653% | 6,090 |
| Assets per employee ($millions) | 12.8686% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1464% | 3,791 |
| Loan loss allowance to noncurrent loans | 35.4327% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 1.3677% | 1,544 |
| Noncurrent loans to loans | 3.2355% | 461 |
| Net loans and leases to total assets | 34.3467% | 5,701 |
| Net loans and leases to deposits | 37.6597% | 5,789 |
| Net loans and leases to core deposits | 39.9454% | 5,770 |
| Total domestic deposits to total assets | 91.2028% | 216 |
| Equity capital to assets | 8.5238% | 5,553 |
| Core capital (leverage) ratio | 8.3565% | 5,510 |
| Tier 1 risk-based capital ratio | 19.8818% | 1,531 |
| Total risk-based capital ratio | 20.8116% | 1,572 |
| Memoranda: | ||
| Average total assets | $346,802,000 | 1,934 |
| Average earning assets | $339,373,500 | 1,832 |
| Average equity | $28,879,500 | 2,443 |
| Average total loans | $119,092,500 | 3,098 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1744% | 5,542 |
| Cost of funding earning assets | 0.1396% | 5,753 |
| Net interest margin | 3.0348% | 5,057 |
| Noninterest income to average assets | 0.0736% | 5,940 |
| Noninterest expense to average assets | 0.9501% | 6,129 |
| Loan and lease loss provision to assets | 0.2606% | 720 |
| Net operating income to assets | 1.2605% | 1,366 |
| Return on assets (ROA) | 1.2605% | 1,413 |
| Pretax return on assets | 1.8209% | 773 |
| Return on Equity (ROE) | 16.2433% | 532 |
| Retained earnings to average equity (ytd only) | 11.5789% | 284 |
| Net charge-offs to loans | 0.6246% | 382 |
| Credit loss provision to net charge-offs | 129.3103% | 2,023 |
| Earnings coverage of net charge-offs (x) | 10.3276% | 2,700 |
| Efficiency ratio | 31.3401% | 6,130 |
| Assets per employee ($millions) | 12.8205% | 124 |
| Cash dividends to net income (ytd only)* | 28.7158% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2157% | 3,382 |
| Loan loss allowance to noncurrent loans | 31.6349% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 1.6042% | 1,229 |
| Noncurrent loans to loans | 3.8429% | 332 |
| Net loans and leases to total assets | 33.5213% | 5,790 |
| Net loans and leases to deposits | 36.5244% | 5,876 |
| Net loans and leases to core deposits | 38.6058% | 5,862 |
| Total domestic deposits to total assets | 91.7779% | 130 |
| Equity capital to assets | 8.1302% | 5,792 |
| Core capital (leverage) ratio | 8.2805% | 5,624 |
| Tier 1 risk-based capital ratio | 19.5214% | 1,579 |
| Total risk-based capital ratio | 20.5126% | 1,602 |
| Memoranda: | ||
| Average total assets | $345,329,800 | 1,890 |
| Average earning assets | $336,596,200 | 1,804 |
| Average equity | $26,798,800 | 2,568 |
| Average total loans | $111,439,000 | 3,173 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1298% | 5,670 |
| Cost of funding earning assets | 0.1407% | 5,842 |
| Net interest margin | 2.9891% | 5,223 |
| Noninterest income to average assets | 0.1035% | 5,954 |
| Noninterest expense to average assets | 0.8318% | 6,227 |
| Loan and lease loss provision to assets | 0.3091% | 460 |
| Net operating income to assets | 1.2977% | 1,349 |
| Return on assets (ROA) | 1.2977% | 1,404 |
| Pretax return on assets | 1.8756% | 759 |
| Return on Equity (ROE) | 16.9240% | 473 |
| Retained earnings to average equity (ytd only) | 14.4048% | 191 |
| Net charge-offs to loans | 0.6804% | 318 |
| Credit loss provision to net charge-offs | 142.6025% | 1,749 |
| Earnings coverage of net charge-offs (x) | 10.0802% | 2,630 |
| Efficiency ratio | 27.5743% | 6,231 |
| Assets per employee ($millions) | 12.5044% | 134 |
| Cash dividends to net income (ytd only)* | 14.8854% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2848% | 3,179 |
| Loan loss allowance to noncurrent loans | 34.0624% | 5,350 |
| Noncurrent assets plus other real estate owned to assets | 1.6134% | 1,374 |
| Noncurrent loans to loans | 3.7720% | 378 |
| Net loans and leases to total assets | 33.3156% | 5,886 |
| Net loans and leases to deposits | 36.3658% | 5,974 |
| Net loans and leases to core deposits | 38.5021% | 5,959 |
| Total domestic deposits to total assets | 91.6125% | 137 |
| Equity capital to assets | 8.2631% | 5,842 |
| Core capital (leverage) ratio | 8.0908% | 5,849 |
| Tier 1 risk-based capital ratio | 19.9227% | 1,571 |
| Total risk-based capital ratio | 20.9689% | 1,581 |
| Memoranda: | ||
| Average total assets | $345,124,000 | 1,908 |
| Average earning assets | $336,329,250 | 1,819 |
| Average equity | $26,462,750 | 2,617 |
| Average total loans | $109,933,000 | 3,233 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0455% | 5,806 |
| Cost of funding earning assets | 0.1408% | 5,915 |
| Net interest margin | 2.9047% | 5,436 |
| Noninterest income to average assets | 0.0972% | 6,038 |
| Noninterest expense to average assets | 0.8009% | 6,309 |
| Loan and lease loss provision to assets | 0.4603% | 229 |
| Net operating income to assets | 1.1535% | 1,767 |
| Return on assets (ROA) | 1.1535% | 1,831 |
| Pretax return on assets | 1.6610% | 1,166 |
| Return on Equity (ROE) | 15.4324% | 673 |
| Retained earnings to average equity (ytd only) | 15.4324% | 171 |
| Net charge-offs to loans | 0.9301% | 220 |
| Credit loss provision to net charge-offs | 158.4158% | 1,477 |
| Earnings coverage of net charge-offs (x) | 7.3010% | 2,682 |
| Efficiency ratio | 27.4070% | 6,307 |
| Assets per employee ($millions) | 12.6895% | 127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3502% | 2,988 |
| Loan loss allowance to noncurrent loans | 32.5970% | 5,443 |
| Noncurrent assets plus other real estate owned to assets | 1.5849% | 1,527 |
| Noncurrent loans to loans | 4.1421% | 356 |
| Net loans and leases to total assets | 32.4144% | 5,951 |
| Net loans and leases to deposits | 35.2334% | 6,055 |
| Net loans and leases to core deposits | 37.2903% | 6,041 |
| Total domestic deposits to total assets | 91.9992% | 121 |
| Equity capital to assets | 7.8931% | 6,024 |
| Core capital (leverage) ratio | 7.8053% | 6,014 |
| Tier 1 risk-based capital ratio | 19.3324% | 1,713 |
| Total risk-based capital ratio | 20.4205% | 1,726 |
| Memoranda: | ||
| Average total assets | $347,625,330 | 1,909 |
| Average earning assets | $338,076,000 | 1,816 |
| Average equity | $25,984,330 | 2,657 |
| Average total loans | $108,596,000 | 3,278 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9747% | 5,922 |
| Cost of funding earning assets | 0.1398% | 5,998 |
| Net interest margin | 2.8349% | 5,581 |
| Noninterest income to average assets | 0.0994% | 6,085 |
| Noninterest expense to average assets | 0.8271% | 6,386 |
| Loan and lease loss provision to assets | 0.5712% | 168 |
| Net operating income to assets | 0.9505% | 2,507 |
| Return on assets (ROA) | 0.9505% | 2,641 |
| Pretax return on assets | 1.4577% | 1,704 |
| Return on Equity (ROE) | 13.0741% | 1,072 |
| Retained earnings to average equity (ytd only) | 13.0741% | 438 |
| Net charge-offs to loans | 1.4483% | 133 |
| Credit loss provision to net charge-offs | 129.5337% | 1,373 |
| Earnings coverage of net charge-offs (x) | 4.6010% | 2,469 |
| Efficiency ratio | 28.9600% | 6,373 |
| Assets per employee ($millions) | 13.1581% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 3,745 |
| Loan loss allowance to noncurrent loans | 34.2543% | 5,442 |
| Noncurrent assets plus other real estate owned to assets | 1.3162% | 2,021 |
| Noncurrent loans to loans | 3.6184% | 512 |
| Net loans and leases to total assets | 30.0313% | 6,072 |
| Net loans and leases to deposits | 32.4649% | 6,146 |
| Net loans and leases to core deposits | 33.8826% | 6,144 |
| Total domestic deposits to total assets | 92.5040% | 93 |
| Equity capital to assets | 7.2821% | 6,225 |
| Core capital (leverage) ratio | 7.2810% | 6,203 |
| Tier 1 risk-based capital ratio | 18.6264% | 1,967 |
| Total risk-based capital ratio | 19.5919% | 2,006 |
| Memoranda: | ||
| Average total assets | $350,130,000 | 1,897 |
| Average earning assets | $340,469,500 | 1,804 |
| Average equity | $25,455,000 | 2,705 |
| Average total loans | $106,605,500 | 3,326 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0794% | 5,986 |
| Cost of funding earning assets | 0.1510% | 6,096 |
| Net interest margin | 2.9283% | 5,588 |
| Noninterest income to average assets | 0.0499% | 6,291 |
| Noninterest expense to average assets | 0.9758% | 6,451 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2590% | 1,405 |
| Return on assets (ROA) | 1.2590% | 1,462 |
| Pretax return on assets | 1.9066% | 634 |
| Return on Equity (ROE) | 16.4165% | 565 |
| Retained earnings to average equity (ytd only) | 11.2069% | 358 |
| Net charge-offs to loans | 0.1121% | 2,912 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 53.2589% | 878 |
| Efficiency ratio | 33.8545% | 6,451 |
| Assets per employee ($millions) | 12.7774% | 121 |
| Cash dividends to net income (ytd only)* | 31.7339% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 4,200 |
| Loan loss allowance to noncurrent loans | 27.1337% | 5,722 |
| Noncurrent assets plus other real estate owned to assets | 1.5864% | 1,704 |
| Noncurrent loans to loans | 4.2888% | 401 |
| Net loans and leases to total assets | 30.1330% | 6,171 |
| Net loans and leases to deposits | 32.5453% | 6,244 |
| Net loans and leases to core deposits | 34.2075% | 6,235 |
| Total domestic deposits to total assets | 92.5876% | 91 |
| Equity capital to assets | 7.2579% | 6,290 |
| Core capital (leverage) ratio | 7.6211% | 6,160 |
| Tier 1 risk-based capital ratio | 18.5213% | 1,986 |
| Total risk-based capital ratio | 19.4275% | 2,045 |
| Memoranda: | ||
| Average total assets | $312,864,400 | 2,079 |
| Average earning assets | $302,628,400 | 1,982 |
| Average equity | $23,994,200 | 2,760 |
| Average total loans | $99,922,800 | 3,423 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0994% | 6,031 |
| Cost of funding earning assets | 0.1549% | 6,156 |
| Net interest margin | 2.9445% | 5,612 |
| Noninterest income to average assets | 0.0770% | 6,316 |
| Noninterest expense to average assets | 0.8717% | 6,544 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3388% | 1,268 |
| Return on assets (ROA) | 1.3388% | 1,327 |
| Pretax return on assets | 2.0562% | 503 |
| Return on Equity (ROE) | 17.1964% | 528 |
| Retained earnings to average equity (ytd only) | 14.3875% | 232 |
| Net charge-offs to loans | 0.0865% | 2,970 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 73.4541% | 751 |
| Efficiency ratio | 29.7729% | 6,546 |
| Assets per employee ($millions) | 11.7654% | 149 |
| Cash dividends to net income (ytd only)* | 16.3345% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2394% | 4,025 |
| Loan loss allowance to noncurrent loans | 33.1076% | 5,642 |
| Noncurrent assets plus other real estate owned to assets | 1.5567% | 1,968 |
| Noncurrent loans to loans | 3.7435% | 607 |
| Net loans and leases to total assets | 31.8826% | 6,187 |
| Net loans and leases to deposits | 34.6433% | 6,281 |
| Net loans and leases to core deposits | 36.5834% | 6,270 |
| Total domestic deposits to total assets | 92.0312% | 155 |
| Equity capital to assets | 7.8419% | 6,200 |
| Core capital (leverage) ratio | 8.0133% | 6,060 |
| Tier 1 risk-based capital ratio | 19.4607% | 1,790 |
| Total risk-based capital ratio | 20.4551% | 1,826 |
| Memoranda: | ||
| Average total assets | $304,832,750 | 2,144 |
| Average earning assets | $295,144,750 | 2,040 |
| Average equity | $23,733,000 | 2,786 |
| Average total loans | $98,608,500 | 3,472 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0828% | 6,082 |
| Cost of funding earning assets | 0.1576% | 6,214 |
| Net interest margin | 2.9252% | 5,684 |
| Noninterest income to average assets | 0.0792% | 6,352 |
| Noninterest expense to average assets | 0.8305% | 6,615 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3129% | 1,270 |
| Return on assets (ROA) | 1.3129% | 1,322 |
| Pretax return on assets | 2.0775% | 459 |
| Return on Equity (ROE) | 16.9064% | 563 |
| Retained earnings to average equity (ytd only) | 16.9064% | 147 |
| Net charge-offs to loans | -0.0123% | 5,383 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.5584% | 6,614 |
| Assets per employee ($millions) | 11.4265% | 155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 3,772 |
| Loan loss allowance to noncurrent loans | 35.4668% | 5,630 |
| Noncurrent assets plus other real estate owned to assets | 1.7510% | 1,858 |
| Noncurrent loans to loans | 3.7096% | 682 |
| Net loans and leases to total assets | 32.6022% | 6,218 |
| Net loans and leases to deposits | 35.4443% | 6,310 |
| Net loans and leases to core deposits | 37.3251% | 6,298 |
| Total domestic deposits to total assets | 91.9816% | 174 |
| Equity capital to assets | 7.8839% | 6,218 |
| Core capital (leverage) ratio | 8.0486% | 6,058 |
| Tier 1 risk-based capital ratio | 18.0965% | 2,207 |
| Total risk-based capital ratio | 19.0965% | 2,265 |
| Memoranda: | ||
| Average total assets | $300,555,330 | 2,169 |
| Average earning assets | $290,643,000 | 2,070 |
| Average equity | $23,340,330 | 2,816 |
| Average total loans | $97,294,330 | 3,507 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0333% | 6,206 |
| Cost of funding earning assets | 0.1605% | 6,294 |
| Net interest margin | 2.8727% | 5,805 |
| Noninterest income to average assets | 0.1187% | 6,254 |
| Noninterest expense to average assets | 0.8308% | 6,699 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3447% | 1,115 |
| Return on assets (ROA) | 1.3447% | 1,156 |
| Pretax return on assets | 2.0636% | 461 |
| Return on Equity (ROE) | 17.4537% | 493 |
| Retained earnings to average equity (ytd only) | 17.4537% | 202 |
| Net charge-offs to loans | -0.0800% | 6,033 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.7046% | 6,683 |
| Assets per employee ($millions) | 11.4170% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4168% | 3,517 |
| Loan loss allowance to noncurrent loans | 34.5311% | 5,735 |
| Noncurrent assets plus other real estate owned to assets | 1.9124% | 1,795 |
| Noncurrent loans to loans | 4.1030% | 639 |
| Net loans and leases to total assets | 30.5854% | 6,327 |
| Net loans and leases to deposits | 33.1641% | 6,395 |
| Net loans and leases to core deposits | 35.1793% | 6,379 |
| Total domestic deposits to total assets | 92.2244% | 202 |
| Equity capital to assets | 7.5742% | 6,291 |
| Core capital (leverage) ratio | 7.7052% | 6,266 |
| Tier 1 risk-based capital ratio | 18.8289% | 2,020 |
| Total risk-based capital ratio | 19.9240% | 2,024 |
| Memoranda: | ||
| Average total assets | $296,575,000 | 2,193 |
| Average earning assets | $286,555,500 | 2,101 |
| Average equity | $22,849,000 | 2,859 |
| Average total loans | $94,979,500 | 3,583 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0548% | 6,281 |
| Cost of funding earning assets | 0.2100% | 6,232 |
| Net interest margin | 2.8448% | 5,906 |
| Noninterest income to average assets | 0.0867% | 6,435 |
| Noninterest expense to average assets | 1.0216% | 6,747 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2207% | 1,486 |
| Return on assets (ROA) | 1.2207% | 1,553 |
| Pretax return on assets | 1.7857% | 780 |
| Return on Equity (ROE) | 16.0452% | 617 |
| Retained earnings to average equity (ytd only) | 13.6710% | 212 |
| Net charge-offs to loans | 0.3022% | 2,178 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 17.9745% | 1,682 |
| Efficiency ratio | 36.3917% | 6,730 |
| Assets per employee ($millions) | 10.5516% | 196 |
| Cash dividends to net income (ytd only)* | 14.7973% | 3,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4164% | 3,568 |
| Loan loss allowance to noncurrent loans | 33.2421% | 5,844 |
| Noncurrent assets plus other real estate owned to assets | 2.0580% | 1,741 |
| Noncurrent loans to loans | 4.2609% | 653 |
| Net loans and leases to total assets | 32.6390% | 6,355 |
| Net loans and leases to deposits | 35.4838% | 6,446 |
| Net loans and leases to core deposits | 37.4792% | 6,431 |
| Total domestic deposits to total assets | 91.9829% | 286 |
| Equity capital to assets | 7.8451% | 6,122 |
| Core capital (leverage) ratio | 7.7678% | 6,265 |
| Tier 1 risk-based capital ratio | 18.9794% | 1,925 |
| Total risk-based capital ratio | 20.1165% | 1,921 |
| Memoranda: | ||
| Average total assets | $276,815,800 | 2,298 |
| Average earning assets | $264,728,600 | 2,224 |
| Average equity | $21,059,200 | 3,031 |
| Average total loans | $91,012,800 | 3,668 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9985% | 6,423 |
| Cost of funding earning assets | 0.2258% | 6,254 |
| Net interest margin | 2.7727% | 6,058 |
| Noninterest income to average assets | 0.0767% | 6,555 |
| Noninterest expense to average assets | 0.9359% | 6,837 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2203% | 1,564 |
| Return on assets (ROA) | 1.2203% | 1,639 |
| Pretax return on assets | 1.7855% | 936 |
| Return on Equity (ROE) | 16.1708% | 631 |
| Retained earnings to average equity (ytd only) | 16.1708% | 155 |
| Net charge-offs to loans | 0.3888% | 1,651 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 13.9923% | 1,977 |
| Efficiency ratio | 34.3912% | 6,813 |
| Assets per employee ($millions) | 10.4430% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4900% | 3,500 |
| Loan loss allowance to noncurrent loans | 38.4923% | 5,687 |
| Noncurrent assets plus other real estate owned to assets | 1.8960% | 2,137 |
| Noncurrent loans to loans | 3.8710% | 925 |
| Net loans and leases to total assets | 31.6069% | 6,473 |
| Net loans and leases to deposits | 34.3378% | 6,559 |
| Net loans and leases to core deposits | 36.1752% | 6,556 |
| Total domestic deposits to total assets | 92.0468% | 241 |
| Equity capital to assets | 7.7979% | 6,260 |
| Core capital (leverage) ratio | 7.9602% | 6,249 |
| Tier 1 risk-based capital ratio | 20.4390% | 1,614 |
| Total risk-based capital ratio | 21.6893% | 1,588 |
| Memoranda: | ||
| Average total assets | $274,796,750 | 2,317 |
| Average earning assets | $262,120,500 | 2,241 |
| Average equity | $20,736,500 | 3,107 |
| Average total loans | $90,185,500 | 3,711 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0366% | 6,412 |
| Cost of funding earning assets | 0.2442% | 6,216 |
| Net interest margin | 2.7924% | 6,017 |
| Noninterest income to average assets | 0.1109% | 6,491 |
| Noninterest expense to average assets | 0.8935% | 6,890 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2900% | 1,351 |
| Return on assets (ROA) | 1.2900% | 1,445 |
| Pretax return on assets | 1.8957% | 756 |
| Return on Equity (ROE) | 17.2936% | 531 |
| Retained earnings to average equity (ytd only) | 17.2936% | 148 |
| Net charge-offs to loans | -0.0222% | 6,000 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.0347% | 6,868 |
| Assets per employee ($millions) | 10.8707% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8048% | 2,423 |
| Loan loss allowance to noncurrent loans | 41.9013% | 5,545 |
| Noncurrent assets plus other real estate owned to assets | 2.1989% | 1,965 |
| Noncurrent loans to loans | 4.3072% | 845 |
| Net loans and leases to total assets | 31.2239% | 6,536 |
| Net loans and leases to deposits | 33.8160% | 6,619 |
| Net loans and leases to core deposits | 39.3800% | 6,492 |
| Total domestic deposits to total assets | 92.3347% | 207 |
| Equity capital to assets | 7.5106% | 6,436 |
| Core capital (leverage) ratio | 7.5950% | 6,419 |
| Tier 1 risk-based capital ratio | 19.5274% | 1,851 |
| Total risk-based capital ratio | 20.7802% | 1,825 |
| Memoranda: | ||
| Average total assets | $272,408,670 | 2,345 |
| Average earning assets | $261,281,000 | 2,256 |
| Average equity | $20,319,670 | 3,177 |
| Average total loans | $90,091,670 | 3,723 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1014% | 6,398 |
| Cost of funding earning assets | 0.2553% | 6,254 |
| Net interest margin | 2.8461% | 5,926 |
| Noninterest income to average assets | 0.0898% | 6,611 |
| Noninterest expense to average assets | 1.0954% | 6,938 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1777% | 1,590 |
| Return on assets (ROA) | 1.1777% | 1,701 |
| Pretax return on assets | 1.7299% | 1,003 |
| Return on Equity (ROE) | 15.8466% | 633 |
| Retained earnings to average equity (ytd only) | 15.8466% | 294 |
| Net charge-offs to loans | -0.0754% | 6,315 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7712% | 6,889 |
| Assets per employee ($millions) | 10.2932% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8104% | 2,586 |
| Loan loss allowance to noncurrent loans | 37.3453% | 5,717 |
| Noncurrent assets plus other real estate owned to assets | 2.3014% | 2,022 |
| Noncurrent loans to loans | 4.8476% | 800 |
| Net loans and leases to total assets | 31.7913% | 6,524 |
| Net loans and leases to deposits | 34.3698% | 6,622 |
| Net loans and leases to core deposits | 39.7158% | 6,493 |
| Total domestic deposits to total assets | 92.4977% | 177 |
| Equity capital to assets | 7.2896% | 6,649 |
| Core capital (leverage) ratio | 7.4419% | 6,490 |
| Tier 1 risk-based capital ratio | 17.5202% | 2,551 |
| Total risk-based capital ratio | 18.7725% | 2,515 |
| Memoranda: | ||
| Average total assets | $267,293,500 | 2,420 |
| Average earning assets | $256,915,500 | 2,314 |
| Average equity | $19,865,500 | 3,255 |
| Average total loans | $90,201,000 | 3,744 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3437% | 6,546 |
| Cost of funding earning assets | 0.3226% | 6,345 |
| Net interest margin | 3.0211% | 6,007 |
| Noninterest income to average assets | 0.1438% | 6,313 |
| Noninterest expense to average assets | 1.2783% | 6,963 |
| Loan and lease loss provision to assets | 0.1650% | 3,547 |
| Net operating income to assets | 1.0808% | 2,004 |
| Return on assets (ROA) | 1.1032% | 2,107 |
| Pretax return on assets | 1.6135% | 1,347 |
| Return on Equity (ROE) | 13.2013% | 1,181 |
| Retained earnings to average equity (ytd only) | 7.9376% | 1,147 |
| Net charge-offs to loans | 0.4183% | 2,570 |
| Credit loss provision to net charge-offs | 105.3371% | 2,827 |
| Earnings coverage of net charge-offs (x) | 11.1461% | 2,067 |
| Efficiency ratio | 42.2752% | 6,888 |
| Assets per employee ($millions) | 9.5063% | 283 |
| Cash dividends to net income (ytd only)* | 39.8724% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7828% | 2,642 |
| Loan loss allowance to noncurrent loans | 35.8143% | 5,824 |
| Noncurrent assets plus other real estate owned to assets | 2.5609% | 1,902 |
| Noncurrent loans to loans | 4.9779% | 806 |
| Net loans and leases to total assets | 34.5999% | 6,511 |
| Net loans and leases to deposits | 37.4701% | 6,651 |
| Net loans and leases to core deposits | 40.6979% | 6,592 |
| Total domestic deposits to total assets | 92.3400% | 188 |
| Equity capital to assets | 7.5864% | 6,600 |
| Core capital (leverage) ratio | 7.9192% | 6,269 |
| Tier 1 risk-based capital ratio | 17.4935% | 2,457 |
| Total risk-based capital ratio | 18.7458% | 2,431 |
| Memoranda: | ||
| Average total assets | $227,337,000 | 2,758 |
| Average earning assets | $216,707,400 | 2,650 |
| Average equity | $18,998,200 | 3,333 |
| Average total loans | $85,098,000 | 3,874 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4016% | 6,629 |
| Cost of funding earning assets | 0.3465% | 6,395 |
| Net interest margin | 3.0551% | 6,055 |
| Noninterest income to average assets | 0.1794% | 6,230 |
| Noninterest expense to average assets | 1.2157% | 7,077 |
| Loan and lease loss provision to assets | 0.2273% | 2,786 |
| Net operating income to assets | 1.1290% | 1,986 |
| Return on assets (ROA) | 1.1600% | 2,063 |
| Pretax return on assets | 1.6939% | 1,287 |
| Return on Equity (ROE) | 13.5168% | 1,219 |
| Retained earnings to average equity (ytd only) | 10.6920% | 742 |
| Net charge-offs to loans | 0.4473% | 2,320 |
| Credit loss provision to net charge-offs | 133.4520% | 2,160 |
| Earnings coverage of net charge-offs (x) | 11.0141% | 2,124 |
| Efficiency ratio | 39.3256% | 7,026 |
| Assets per employee ($millions) | 8.9901% | 331 |
| Cash dividends to net income (ytd only)* | 20.8986% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8875% | 2,522 |
| Loan loss allowance to noncurrent loans | 28.5304% | 6,185 |
| Noncurrent assets plus other real estate owned to assets | 3.4376% | 1,465 |
| Noncurrent loans to loans | 6.6156% | 570 |
| Net loans and leases to total assets | 37.5166% | 6,447 |
| Net loans and leases to deposits | 40.9642% | 6,646 |
| Net loans and leases to core deposits | 42.3811% | 6,661 |
| Total domestic deposits to total assets | 91.5839% | 271 |
| Equity capital to assets | 8.3323% | 6,398 |
| Core capital (leverage) ratio | 8.4113% | 5,882 |
| Tier 1 risk-based capital ratio | 19.5743% | 1,858 |
| Total risk-based capital ratio | 20.8296% | 1,831 |
| Memoranda: | ||
| Average total assets | $220,003,500 | 2,857 |
| Average earning assets | $209,701,750 | 2,771 |
| Average equity | $18,879,750 | 3,378 |
| Average total loans | $83,767,500 | 3,960 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4787% | 6,631 |
| Cost of funding earning assets | 0.3648% | 6,449 |
| Net interest margin | 3.1139% | 5,966 |
| Noninterest income to average assets | 0.2005% | 6,123 |
| Noninterest expense to average assets | 1.2088% | 7,140 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3350% | 1,346 |
| Return on assets (ROA) | 1.3824% | 1,374 |
| Pretax return on assets | 2.0332% | 649 |
| Return on Equity (ROE) | 15.9413% | 777 |
| Retained earnings to average equity (ytd only) | 15.9413% | 226 |
| Net charge-offs to loans | 0.4518% | 2,248 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 11.4324% | 1,960 |
| Efficiency ratio | 38.1036% | 7,091 |
| Assets per employee ($millions) | 8.4379% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6766% | 3,334 |
| Loan loss allowance to noncurrent loans | 37.9041% | 5,760 |
| Noncurrent assets plus other real estate owned to assets | 2.7148% | 2,028 |
| Noncurrent loans to loans | 4.4233% | 1,206 |
| Net loans and leases to total assets | 36.2179% | 6,601 |
| Net loans and leases to deposits | 39.6667% | 6,744 |
| Net loans and leases to core deposits | 43.1576% | 6,689 |
| Total domestic deposits to total assets | 91.3056% | 354 |
| Equity capital to assets | 8.5386% | 6,174 |
| Core capital (leverage) ratio | 9.0704% | 4,805 |
| Tier 1 risk-based capital ratio | 19.0359% | 1,957 |
| Total risk-based capital ratio | 20.2875% | 1,939 |
| Memoranda: | ||
| Average total assets | $215,424,000 | 2,924 |
| Average earning assets | $205,595,000 | 2,814 |
| Average equity | $18,681,000 | 3,402 |
| Average total loans | $81,897,000 | 4,042 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5464% | 6,639 |
| Cost of funding earning assets | 0.3918% | 6,449 |
| Net interest margin | 3.1546% | 5,897 |
| Noninterest income to average assets | 0.1396% | 6,547 |
| Noninterest expense to average assets | 1.3096% | 7,170 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2522% | 1,596 |
| Return on assets (ROA) | 1.2522% | 1,768 |
| Pretax return on assets | 1.8315% | 1,013 |
| Return on Equity (ROE) | 14.3209% | 1,121 |
| Retained earnings to average equity (ytd only) | 14.3209% | 530 |
| Net charge-offs to loans | 0.8555% | 1,198 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 5.5376% | 2,347 |
| Efficiency ratio | 41.6920% | 7,064 |
| Assets per employee ($millions) | 8.1213% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7667% | 3,103 |
| Loan loss allowance to noncurrent loans | 44.2608% | 5,396 |
| Noncurrent assets plus other real estate owned to assets | 2.7003% | 2,179 |
| Noncurrent loans to loans | 3.9916% | 1,537 |
| Net loans and leases to total assets | 35.9822% | 6,617 |
| Net loans and leases to deposits | 39.4260% | 6,762 |
| Net loans and leases to core deposits | 42.4899% | 6,722 |
| Total domestic deposits to total assets | 91.2653% | 447 |
| Equity capital to assets | 8.4921% | 6,086 |
| Core capital (leverage) ratio | 8.9819% | 4,869 |
| Tier 1 risk-based capital ratio | 19.1177% | 1,957 |
| Total risk-based capital ratio | 20.3705% | 1,925 |
| Memoranda: | ||
| Average total assets | $209,224,000 | 2,996 |
| Average earning assets | $199,074,000 | 2,905 |
| Average equity | $18,295,000 | 3,454 |
| Average total loans | $80,885,500 | 4,098 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9583% | 6,535 |
| Cost of funding earning assets | 0.5688% | 6,248 |
| Net interest margin | 3.3895% | 5,514 |
| Noninterest income to average assets | 0.1659% | 6,302 |
| Noninterest expense to average assets | 1.6006% | 7,121 |
| Loan and lease loss provision to assets | 0.2219% | 3,977 |
| Net operating income to assets | 1.0541% | 1,990 |
| Return on assets (ROA) | 1.0541% | 2,130 |
| Pretax return on assets | 1.5735% | 1,270 |
| Return on Equity (ROE) | 10.6894% | 1,804 |
| Retained earnings to average equity (ytd only) | 5.0634% | 2,593 |
| Net charge-offs to loans | 0.1547% | 4,902 |
| Credit loss provision to net charge-offs | 333.3333% | 700 |
| Earnings coverage of net charge-offs (x) | 26.9667% | 924 |
| Efficiency ratio | 47.1328% | 6,994 |
| Assets per employee ($millions) | 7.3768% | 604 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9545% | 2,408 |
| Loan loss allowance to noncurrent loans | 40.8519% | 5,548 |
| Noncurrent assets plus other real estate owned to assets | 3.2781% | 1,819 |
| Noncurrent loans to loans | 4.7844% | 1,209 |
| Net loans and leases to total assets | 40.0958% | 6,541 |
| Net loans and leases to deposits | 44.1342% | 6,715 |
| Net loans and leases to core deposits | 45.9185% | 6,740 |
| Total domestic deposits to total assets | 90.8497% | 564 |
| Equity capital to assets | 9.0218% | 5,524 |
| Core capital (leverage) ratio | 9.2793% | 4,360 |
| Tier 1 risk-based capital ratio | 18.9764% | 1,901 |
| Total risk-based capital ratio | 20.2313% | 1,858 |
| Memoranda: | ||
| Average total assets | $180,240,600 | 3,330 |
| Average earning assets | $171,764,000 | 3,206 |
| Average equity | $17,774,600 | 3,454 |
| Average total loans | $77,546,000 | 4,227 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0116% | 6,563 |
| Cost of funding earning assets | 0.6132% | 6,226 |
| Net interest margin | 3.3984% | 5,578 |
| Noninterest income to average assets | 0.1747% | 6,337 |
| Noninterest expense to average assets | 1.4951% | 7,228 |
| Loan and lease loss provision to assets | 0.1899% | 4,133 |
| Net operating income to assets | 1.1927% | 1,670 |
| Return on assets (ROA) | 1.1927% | 1,787 |
| Pretax return on assets | 1.7275% | 1,086 |
| Return on Equity (ROE) | 11.8091% | 1,592 |
| Retained earnings to average equity (ytd only) | 8.0482% | 1,495 |
| Net charge-offs to loans | 0.1968% | 4,226 |
| Credit loss provision to net charge-offs | 221.2389% | 1,291 |
| Earnings coverage of net charge-offs (x) | 22.3367% | 1,157 |
| Efficiency ratio | 43.8112% | 7,153 |
| Assets per employee ($millions) | 7.0126% | 733 |
| Cash dividends to net income (ytd only)* | 31.8471% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8108% | 2,907 |
| Loan loss allowance to noncurrent loans | 40.9142% | 5,572 |
| Noncurrent assets plus other real estate owned to assets | 3.2751% | 1,936 |
| Noncurrent loans to loans | 4.4259% | 1,463 |
| Net loans and leases to total assets | 41.5258% | 6,527 |
| Net loans and leases to deposits | 46.0067% | 6,738 |
| Net loans and leases to core deposits | 48.0082% | 6,760 |
| Total domestic deposits to total assets | 90.2604% | 740 |
| Equity capital to assets | 9.5812% | 4,957 |
| Core capital (leverage) ratio | 9.8744% | 3,611 |
| Tier 1 risk-based capital ratio | 20.7775% | 1,502 |
| Total risk-based capital ratio | 22.0322% | 1,475 |
| Memoranda: | ||
| Average total assets | $175,507,500 | 3,422 |
| Average earning assets | $167,212,750 | 3,298 |
| Average equity | $17,726,000 | 3,468 |
| Average total loans | $76,569,500 | 4,291 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0318% | 6,610 |
| Cost of funding earning assets | 0.6713% | 6,117 |
| Net interest margin | 3.3604% | 5,682 |
| Noninterest income to average assets | 0.1755% | 6,404 |
| Noninterest expense to average assets | 1.5202% | 7,292 |
| Loan and lease loss provision to assets | 0.1170% | 4,810 |
| Net operating income to assets | 1.2054% | 1,552 |
| Return on assets (ROA) | 1.2054% | 1,639 |
| Pretax return on assets | 1.7484% | 964 |
| Return on Equity (ROE) | 11.7128% | 1,579 |
| Retained earnings to average equity (ytd only) | 11.7128% | 562 |
| Net charge-offs to loans | 0.2679% | 3,545 |
| Credit loss provision to net charge-offs | 99.0099% | 3,191 |
| Earnings coverage of net charge-offs (x) | 15.7822% | 1,385 |
| Efficiency ratio | 44.9015% | 7,206 |
| Assets per employee ($millions) | 6.7476% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7268% | 3,239 |
| Loan loss allowance to noncurrent loans | 40.0244% | 5,647 |
| Noncurrent assets plus other real estate owned to assets | 3.3676% | 1,958 |
| Noncurrent loans to loans | 4.3145% | 1,565 |
| Net loans and leases to total assets | 42.5594% | 6,555 |
| Net loans and leases to deposits | 47.6350% | 6,744 |
| Net loans and leases to core deposits | 52.1273% | 6,656 |
| Total domestic deposits to total assets | 89.3449% | 1,336 |
| Equity capital to assets | 10.3177% | 3,726 |
| Core capital (leverage) ratio | 10.4777% | 2,732 |
| Tier 1 risk-based capital ratio | 20.7550% | 1,465 |
| Total risk-based capital ratio | 22.0076% | 1,441 |
| Memoranda: | ||
| Average total assets | $170,896,670 | 3,518 |
| Average earning assets | $163,253,330 | 3,384 |
| Average equity | $17,587,670 | 3,479 |
| Average total loans | $75,401,000 | 4,368 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9804% | 6,727 |
| Cost of funding earning assets | 0.7305% | 5,977 |
| Net interest margin | 3.2499% | 5,922 |
| Noninterest income to average assets | 0.1874% | 6,382 |
| Noninterest expense to average assets | 1.4921% | 7,366 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2382% | 1,429 |
| Return on assets (ROA) | 1.2382% | 1,484 |
| Pretax return on assets | 1.7981% | 822 |
| Return on Equity (ROE) | 12.0478% | 1,449 |
| Retained earnings to average equity (ytd only) | 12.0478% | 732 |
| Net charge-offs to loans | 0.3941% | 2,506 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 10.2432% | 1,650 |
| Efficiency ratio | 45.3497% | 7,232 |
| Assets per employee ($millions) | 6.5548% | 905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6764% | 3,424 |
| Loan loss allowance to noncurrent loans | 34.0578% | 6,019 |
| Noncurrent assets plus other real estate owned to assets | 3.7623% | 1,797 |
| Noncurrent loans to loans | 4.9223% | 1,376 |
| Net loans and leases to total assets | 42.6050% | 6,570 |
| Net loans and leases to deposits | 47.6691% | 6,767 |
| Net loans and leases to core deposits | 52.0491% | 6,673 |
| Total domestic deposits to total assets | 89.3766% | 1,545 |
| Equity capital to assets | 10.3224% | 3,388 |
| Core capital (leverage) ratio | 10.4636% | 2,650 |
| Tier 1 risk-based capital ratio | 20.8893% | 1,416 |
| Total risk-based capital ratio | 22.1425% | 1,394 |
| Memoranda: | ||
| Average total assets | $168,626,500 | 3,575 |
| Average earning assets | $160,988,000 | 3,440 |
| Average equity | $17,331,000 | 3,517 |
| Average total loans | $75,113,000 | 4,419 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7509% | 5,618 |
| Cost of funding earning assets | 1.0554% | 5,393 |
| Net interest margin | 3.6954% | 4,367 |
| Noninterest income to average assets | 0.1384% | 6,700 |
| Noninterest expense to average assets | 1.9076% | 7,148 |
| Loan and lease loss provision to assets | 0.5902% | 2,776 |
| Net operating income to assets | 0.8328% | 2,654 |
| Return on assets (ROA) | 0.8328% | 2,801 |
| Pretax return on assets | 1.1719% | 2,326 |
| Return on Equity (ROE) | 7.3943% | 2,936 |
| Retained earnings to average equity (ytd only) | 1.5720% | 4,742 |
| Net charge-offs to loans | 1.1847% | 1,882 |
| Credit loss provision to net charge-offs | 101.5801% | 4,463 |
| Earnings coverage of net charge-offs (x) | 3.0327% | 3,557 |
| Efficiency ratio | 51.9836% | 6,990 |
| Assets per employee ($millions) | 6.4164% | 980 |
| Cash dividends to net income (ytd only)* | 78.7402% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7191% | 3,137 |
| Loan loss allowance to noncurrent loans | 32.3558% | 6,155 |
| Noncurrent assets plus other real estate owned to assets | 3.3526% | 2,097 |
| Noncurrent loans to loans | 5.3130% | 1,245 |
| Net loans and leases to total assets | 44.9957% | 6,636 |
| Net loans and leases to deposits | 50.2450% | 6,842 |
| Net loans and leases to core deposits | 54.6826% | 6,773 |
| Total domestic deposits to total assets | 89.5527% | 1,356 |
| Equity capital to assets | 10.2322% | 3,461 |
| Core capital (leverage) ratio | 10.8530% | 2,265 |
| Tier 1 risk-based capital ratio | 20.2190% | 1,446 |
| Total risk-based capital ratio | 21.4727% | 1,421 |
| Memoranda: | ||
| Average total assets | $152,493,200 | 3,836 |
| Average earning assets | $145,720,400 | 3,712 |
| Average equity | $17,175,400 | 3,561 |
| Average total loans | $74,786,600 | 4,495 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9299% | 5,134 |
| Cost of funding earning assets | 1.1408% | 5,198 |
| Net interest margin | 3.7890% | 4,013 |
| Noninterest income to average assets | 0.2149% | 6,376 |
| Noninterest expense to average assets | 1.7191% | 7,425 |
| Loan and lease loss provision to assets | 0.4925% | 3,005 |
| Net operating income to assets | 0.8882% | 2,656 |
| Return on assets (ROA) | 0.8882% | 2,799 |
| Pretax return on assets | 1.6224% | 1,288 |
| Return on Equity (ROE) | 7.6889% | 3,028 |
| Retained earnings to average equity (ytd only) | 3.8134% | 3,777 |
| Net charge-offs to loans | 0.9123% | 2,173 |
| Credit loss provision to net charge-offs | 108.0550% | 3,944 |
| Earnings coverage of net charge-offs (x) | 4.6405% | 2,966 |
| Efficiency ratio | 44.8389% | 7,433 |
| Assets per employee ($millions) | 5.8526% | 1,343 |
| Cash dividends to net income (ytd only)* | 50.4034% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7960% | 2,803 |
| Loan loss allowance to noncurrent loans | 44.6595% | 5,297 |
| Noncurrent assets plus other real estate owned to assets | 2.7371% | 2,646 |
| Noncurrent loans to loans | 4.0215% | 1,866 |
| Net loans and leases to total assets | 48.0791% | 6,515 |
| Net loans and leases to deposits | 54.5066% | 6,729 |
| Net loans and leases to core deposits | 56.7760% | 6,807 |
| Total domestic deposits to total assets | 88.2078% | 1,853 |
| Equity capital to assets | 11.3638% | 2,642 |
| Core capital (leverage) ratio | 11.4078% | 2,004 |
| Tier 1 risk-based capital ratio | 21.6999% | 1,253 |
| Total risk-based capital ratio | 22.9554% | 1,231 |
| Memoranda: | ||
| Average total assets | $148,909,750 | 3,941 |
| Average earning assets | $142,231,750 | 3,830 |
| Average equity | $17,201,750 | 3,608 |
| Average total loans | $74,388,750 | 4,589 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9384% | 5,234 |
| Cost of funding earning assets | 1.1921% | 5,173 |
| Net interest margin | 3.7463% | 4,154 |
| Noninterest income to average assets | 0.2043% | 6,444 |
| Noninterest expense to average assets | 1.7115% | 7,495 |
| Loan and lease loss provision to assets | 0.5412% | 2,614 |
| Net operating income to assets | 1.0743% | 1,935 |
| Return on assets (ROA) | 1.0743% | 2,009 |
| Pretax return on assets | 1.5316% | 1,475 |
| Return on Equity (ROE) | 9.2478% | 2,369 |
| Retained earnings to average equity (ytd only) | 9.2478% | 1,033 |
| Net charge-offs to loans | 0.8419% | 2,143 |
| Credit loss provision to net charge-offs | 127.7955% | 3,148 |
| Earnings coverage of net charge-offs (x) | 4.8946% | 2,813 |
| Efficiency ratio | 45.2270% | 7,472 |
| Assets per employee ($millions) | 5.5922% | 1,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8493% | 2,566 |
| Loan loss allowance to noncurrent loans | 52.3647% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 2.2372% | 3,216 |
| Noncurrent loans to loans | 3.5315% | 2,236 |
| Net loans and leases to total assets | 48.6502% | 6,580 |
| Net loans and leases to deposits | 55.2395% | 6,782 |
| Net loans and leases to core deposits | 60.2205% | 6,701 |
| Total domestic deposits to total assets | 88.0714% | 1,959 |
| Equity capital to assets | 11.6551% | 2,317 |
| Core capital (leverage) ratio | 11.8183% | 1,745 |
| Tier 1 risk-based capital ratio | 21.9418% | 1,213 |
| Total risk-based capital ratio | 23.1981% | 1,186 |
| Memoranda: | ||
| Average total assets | $147,823,670 | 4,002 |
| Average earning assets | $141,259,670 | 3,879 |
| Average equity | $17,171,670 | 3,607 |
| Average total loans | $74,352,000 | 4,628 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9210% | 5,349 |
| Cost of funding earning assets | 1.2381% | 5,184 |
| Net interest margin | 3.6828% | 4,338 |
| Noninterest income to average assets | 0.2133% | 6,440 |
| Noninterest expense to average assets | 1.7314% | 7,549 |
| Loan and lease loss provision to assets | 0.8206% | 1,543 |
| Net operating income to assets | 0.8370% | 2,804 |
| Return on assets (ROA) | 0.8370% | 2,903 |
| Pretax return on assets | 1.1679% | 2,483 |
| Return on Equity (ROE) | 7.2176% | 3,236 |
| Retained earnings to average equity (ytd only) | 7.2176% | 2,039 |
| Net charge-offs to loans | 0.5236% | 2,497 |
| Credit loss provision to net charge-offs | 309.2784% | 1,274 |
| Earnings coverage of net charge-offs (x) | 7.4948% | 2,083 |
| Efficiency ratio | 46.5441% | 7,523 |
| Assets per employee ($millions) | 5.4704% | 1,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0214% | 2,131 |
| Loan loss allowance to noncurrent loans | 60.8925% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 2.3757% | 3,053 |
| Noncurrent loans to loans | 3.3196% | 2,408 |
| Net loans and leases to total assets | 49.2590% | 6,549 |
| Net loans and leases to deposits | 55.9206% | 6,779 |
| Net loans and leases to core deposits | 62.2495% | 6,581 |
| Total domestic deposits to total assets | 88.0874% | 2,008 |
| Equity capital to assets | 11.5849% | 2,304 |
| Core capital (leverage) ratio | 11.7060% | 1,800 |
| Tier 1 risk-based capital ratio | 21.7376% | 1,233 |
| Total risk-based capital ratio | 22.9961% | 1,222 |
| Memoranda: | ||
| Average total assets | $146,240,500 | 4,087 |
| Average earning assets | $139,240,500 | 3,980 |
| Average equity | $16,958,500 | 3,663 |
| Average total loans | $74,107,500 | 4,708 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5571% | 3,833 |
| Cost of funding earning assets | 1.6943% | 4,543 |
| Net interest margin | 3.8628% | 3,424 |
| Noninterest income to average assets | 0.2443% | 6,349 |
| Noninterest expense to average assets | 2.0351% | 7,310 |
| Loan and lease loss provision to assets | 0.9260% | 2,423 |
| Net operating income to assets | 0.6874% | 2,988 |
| Return on assets (ROA) | 0.6874% | 3,050 |
| Pretax return on assets | 0.9452% | 2,775 |
| Return on Equity (ROE) | 5.6636% | 3,349 |
| Retained earnings to average equity (ytd only) | 0.3815% | 4,694 |
| Net charge-offs to loans | 1.3247% | 1,886 |
| Credit loss provision to net charge-offs | 131.4459% | 3,850 |
| Earnings coverage of net charge-offs (x) | 2.6562% | 3,787 |
| Efficiency ratio | 52.0970% | 7,376 |
| Assets per employee ($millions) | 5.3622% | 1,777 |
| Cash dividends to net income (ytd only)* | 93.2642% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7551% | 2,689 |
| Loan loss allowance to noncurrent loans | 89.0872% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 1.5085% | 4,118 |
| Noncurrent loans to loans | 1.9700% | 3,689 |
| Net loans and leases to total assets | 50.1865% | 6,623 |
| Net loans and leases to deposits | 56.9797% | 6,856 |
| Net loans and leases to core deposits | 77.5702% | 6,296 |
| Total domestic deposits to total assets | 88.0778% | 1,937 |
| Equity capital to assets | 11.6080% | 2,241 |
| Core capital (leverage) ratio | 11.7694% | 1,772 |
| Tier 1 risk-based capital ratio | 21.8394% | 1,173 |
| Total risk-based capital ratio | 23.0944% | 1,148 |
| Memoranda: | ||
| Average total assets | $140,388,200 | 4,118 |
| Average earning assets | $133,090,200 | 4,029 |
| Average equity | $17,038,600 | 3,665 |
| Average total loans | $74,658,200 | 4,701 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6397% | 3,633 |
| Cost of funding earning assets | 1.8021% | 4,373 |
| Net interest margin | 3.8376% | 3,490 |
| Noninterest income to average assets | 0.2479% | 6,463 |
| Noninterest expense to average assets | 1.8599% | 7,594 |
| Loan and lease loss provision to assets | 0.9572% | 2,005 |
| Net operating income to assets | 0.7658% | 2,959 |
| Return on assets (ROA) | 0.7658% | 3,021 |
| Pretax return on assets | 1.0654% | 2,687 |
| Return on Equity (ROE) | 6.2388% | 3,422 |
| Retained earnings to average equity (ytd only) | 3.1194% | 3,573 |
| Net charge-offs to loans | 0.5684% | 2,978 |
| Credit loss provision to net charge-offs | 313.4796% | 1,314 |
| Earnings coverage of net charge-offs (x) | 6.6239% | 2,566 |
| Efficiency ratio | 47.9043% | 7,666 |
| Assets per employee ($millions) | 5.2170% | 1,870 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2346% | 1,368 |
| Loan loss allowance to noncurrent loans | 65.8633% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 2.3101% | 2,967 |
| Noncurrent loans to loans | 3.3929% | 2,219 |
| Net loans and leases to total assets | 51.7763% | 6,624 |
| Net loans and leases to deposits | 59.2155% | 6,889 |
| Net loans and leases to core deposits | 75.8465% | 6,626 |
| Total domestic deposits to total assets | 87.4370% | 1,929 |
| Equity capital to assets | 12.2371% | 2,101 |
| Core capital (leverage) ratio | 12.2352% | 1,692 |
| Tier 1 risk-based capital ratio | 22.5593% | 1,166 |
| Total risk-based capital ratio | 23.8209% | 1,138 |
| Memoranda: | ||
| Average total assets | $139,290,250 | 4,154 |
| Average earning assets | $131,919,000 | 4,072 |
| Average equity | $17,096,750 | 3,681 |
| Average total loans | $74,833,250 | 4,741 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7256% | 3,408 |
| Cost of funding earning assets | 1.9080% | 4,220 |
| Net interest margin | 3.8176% | 3,473 |
| Noninterest income to average assets | 0.2392% | 6,565 |
| Noninterest expense to average assets | 1.8780% | 7,653 |
| Loan and lease loss provision to assets | 1.1170% | 1,536 |
| Net operating income to assets | 0.7293% | 3,138 |
| Return on assets (ROA) | 0.7293% | 3,243 |
| Pretax return on assets | 0.8460% | 3,520 |
| Return on Equity (ROE) | 5.9355% | 3,683 |
| Retained earnings to average equity (ytd only) | 5.9355% | 2,050 |
| Net charge-offs to loans | 0.2670% | 3,860 |
| Credit loss provision to net charge-offs | 775.0000% | 604 |
| Earnings coverage of net charge-offs (x) | 13.6200% | 1,725 |
| Efficiency ratio | 48.8931% | 7,719 |
| Assets per employee ($millions) | 5.1882% | 1,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1564% | 1,305 |
| Loan loss allowance to noncurrent loans | 100.9113% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 1.5991% | 3,823 |
| Noncurrent loans to loans | 2.1369% | 3,324 |
| Net loans and leases to total assets | 53.8021% | 6,480 |
| Net loans and leases to deposits | 61.6534% | 6,759 |
| Net loans and leases to core deposits | 85.8247% | 5,920 |
| Total domestic deposits to total assets | 87.2653% | 2,117 |
| Equity capital to assets | 12.3770% | 1,989 |
| Core capital (leverage) ratio | 12.4882% | 1,628 |
| Tier 1 risk-based capital ratio | 22.2135% | 1,221 |
| Total risk-based capital ratio | 23.4739% | 1,194 |
| Memoranda: | ||
| Average total assets | $138,767,670 | 4,198 |
| Average earning assets | $130,920,330 | 4,117 |
| Average equity | $17,050,000 | 3,701 |
| Average total loans | $74,911,670 | 4,776 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7515% | 3,521 |
| Cost of funding earning assets | 2.0503% | 3,875 |
| Net interest margin | 3.7011% | 3,887 |
| Noninterest income to average assets | 0.2346% | 6,586 |
| Noninterest expense to average assets | 1.8420% | 7,643 |
| Loan and lease loss provision to assets | 1.2309% | 1,053 |
| Net operating income to assets | 0.4721% | 4,555 |
| Return on assets (ROA) | 0.4721% | 4,745 |
| Pretax return on assets | 0.6227% | 4,682 |
| Return on Equity (ROE) | 3.8566% | 4,999 |
| Retained earnings to average equity (ytd only) | 3.8566% | 3,745 |
| Net charge-offs to loans | 0.0487% | 4,799 |
| Credit loss provision to net charge-offs | 4,722.2222% | 156 |
| Earnings coverage of net charge-offs (x) | 71.1111% | 564 |
| Efficiency ratio | 49.8433% | 7,599 |
| Assets per employee ($millions) | 5.1849% | 1,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8836% | 1,660 |
| Loan loss allowance to noncurrent loans | 222.3455% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.9036% | 4,923 |
| Noncurrent loans to loans | 0.8472% | 5,331 |
| Net loans and leases to total assets | 52.2048% | 6,665 |
| Net loans and leases to deposits | 59.7075% | 6,918 |
| Net loans and leases to core deposits | 81.9627% | 6,242 |
| Total domestic deposits to total assets | 87.4342% | 1,999 |
| Equity capital to assets | 12.1386% | 2,172 |
| Core capital (leverage) ratio | 12.2679% | 1,775 |
| Tier 1 risk-based capital ratio | 22.0461% | 1,297 |
| Total risk-based capital ratio | 23.3027% | 1,266 |
| Memoranda: | ||
| Average total assets | $138,110,500 | 4,231 |
| Average earning assets | $129,149,500 | 4,172 |
| Average equity | $16,906,000 | 3,748 |
| Average total loans | $73,853,500 | 4,840 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9668% | 1,216 |
| Cost of funding earning assets | 2.4800% | 4,317 |
| Net interest margin | 4.4868% | 1,456 |
| Noninterest income to average assets | 0.2608% | 6,586 |
| Noninterest expense to average assets | 1.8519% | 7,687 |
| Loan and lease loss provision to assets | 0.3836% | 3,394 |
| Net operating income to assets | 1.5558% | 915 |
| Return on assets (ROA) | 1.5558% | 886 |
| Pretax return on assets | 2.2585% | 346 |
| Return on Equity (ROE) | 12.2479% | 1,538 |
| Retained earnings to average equity (ytd only) | 6.8124% | 1,216 |
| Net charge-offs to loans | 0.3779% | 2,947 |
| Credit loss provision to net charge-offs | 174.2160% | 2,921 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 2,305 |
| Efficiency ratio | 41.2086% | 8,098 |
| Assets per employee ($millions) | 5.0456% | 1,909 |
| Cash dividends to net income (ytd only)* | 44.3787% | 3,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3480% | 3,488 |
| Loan loss allowance to noncurrent loans | 166.1616% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.7150% | 5,081 |
| Noncurrent loans to loans | 0.8112% | 5,015 |
| Net loans and leases to total assets | 53.0243% | 6,746 |
| Net loans and leases to deposits | 60.8085% | 7,029 |
| Net loans and leases to core deposits | 81.1337% | 6,527 |
| Total domestic deposits to total assets | 87.1989% | 1,840 |
| Equity capital to assets | 12.3460% | 2,087 |
| Core capital (leverage) ratio | 12.7087% | 1,662 |
| Tier 1 risk-based capital ratio | 22.0186% | 1,315 |
| Total risk-based capital ratio | 23.2688% | 1,282 |
| Memoranda: | ||
| Average total assets | $130,349,400 | 4,277 |
| Average earning assets | $122,984,000 | 4,191 |
| Average equity | $16,558,000 | 3,818 |
| Average total loans | $75,937,800 | 4,655 |