Home > The First National Bank and Trust Company > Performance and Condition Ratios
The First National Bank and Trust Company, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6152% | 3,736 |
| Cost of funding earning assets | 1.7802% | 2,500 |
| Net interest margin | 2.8350% | 3,655 |
| Noninterest income to average assets | 1.2200% | 429 |
| Noninterest expense to average assets | 3.0855% | 1,018 |
| Loan and lease loss provision to assets | 0.0100% | 2,596 |
| Net operating income to assets | 0.5497% | 3,469 |
| Return on assets (ROA) | 0.5497% | 3,483 |
| Pretax return on assets | 0.6817% | 3,432 |
| Return on Equity (ROE) | 7.4100% | 3,025 |
| Retained earnings to average equity (ytd only) | 2.5818% | 3,189 |
| Net charge-offs to loans | 0.0162% | 1,683 |
| Credit loss provision to net charge-offs | 125.0000% | 1,126 |
| Earnings coverage of net charge-offs (x) | 67.5000% | 868 |
| Efficiency ratio | 81.2862% | 867 |
| Assets per employee ($millions) | 6.6967% | 2,426 |
| Cash dividends to net income (ytd only)* | 65.1380% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3277% | 1,577 |
| Loan loss allowance to noncurrent loans | 368.5457% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.2314% | 2,365 |
| Noncurrent loans to loans | 0.3602% | 2,219 |
| Net loans and leases to total assets | 63.3700% | 2,569 |
| Net loans and leases to deposits | 75.2491% | 2,461 |
| Net loans and leases to core deposits | 77.8689% | 2,827 |
| Total domestic deposits to total assets | 84.2100% | 2,832 |
| Equity capital to assets | 7.7407% | 3,730 |
| Core capital (leverage) ratio | 8.2747% | 4,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7287% | 2,298 |
| Memoranda: | ||
| Average total assets | $1,555,016,500 | 721 |
| Average earning assets | $1,405,697,000 | 725 |
| Average equity | $115,422,000 | 930 |
| Average total loans | $984,999,000 | 781 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4301% | 3,945 |
| Cost of funding earning assets | 1.8367% | 2,631 |
| Net interest margin | 2.5934% | 3,784 |
| Noninterest income to average assets | 1.2200% | 439 |
| Noninterest expense to average assets | 2.8716% | 1,368 |
| Loan and lease loss provision to assets | 0.0700% | 1,825 |
| Net operating income to assets | 0.4932% | 3,489 |
| Return on assets (ROA) | 0.4932% | 3,506 |
| Pretax return on assets | 0.6223% | 3,422 |
| Return on Equity (ROE) | 6.9000% | 3,049 |
| Retained earnings to average equity (ytd only) | 0.6546% | 3,762 |
| Net charge-offs to loans | 0.0082% | 2,620 |
| Credit loss provision to net charge-offs | 1,581.2500% | 287 |
| Earnings coverage of net charge-offs (x) | 135.8625% | 661 |
| Efficiency ratio | 80.1086% | 1,038 |
| Assets per employee ($millions) | 6.7952% | 2,303 |
| Cash dividends to net income (ytd only)* | 90.5189% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3264% | 1,566 |
| Loan loss allowance to noncurrent loans | 288.1147% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.2877% | 2,083 |
| Noncurrent loans to loans | 0.4604% | 1,920 |
| Net loans and leases to total assets | 61.6600% | 2,785 |
| Net loans and leases to deposits | 73.6913% | 2,672 |
| Net loans and leases to core deposits | 76.3723% | 3,027 |
| Total domestic deposits to total assets | 83.6700% | 2,868 |
| Equity capital to assets | 7.1131% | 3,929 |
| Core capital (leverage) ratio | 8.1061% | 4,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3970% | 2,411 |
| Memoranda: | ||
| Average total assets | $1,559,152,200 | 712 |
| Average earning assets | $1,411,406,600 | 714 |
| Average equity | $111,364,400 | 927 |
| Average total loans | $979,018,200 | 774 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3958% | 3,964 |
| Cost of funding earning assets | 1.8507% | 2,594 |
| Net interest margin | 2.5451% | 3,819 |
| Noninterest income to average assets | 1.2200% | 438 |
| Noninterest expense to average assets | 2.8381% | 1,393 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 0.5329% | 3,386 |
| Return on assets (ROA) | 0.5329% | 3,409 |
| Pretax return on assets | 0.6658% | 3,343 |
| Return on Equity (ROE) | 7.4500% | 2,908 |
| Retained earnings to average equity (ytd only) | 1.4368% | 3,608 |
| Net charge-offs to loans | 0.0094% | 2,295 |
| Credit loss provision to net charge-offs | 326.0870% | 815 |
| Earnings coverage of net charge-offs (x) | 115.8116% | 728 |
| Efficiency ratio | 80.1884% | 1,065 |
| Assets per employee ($millions) | 6.6826% | 2,361 |
| Cash dividends to net income (ytd only)* | 80.7210% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2280% | 2,068 |
| Loan loss allowance to noncurrent loans | 787.7618% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.0977% | 3,042 |
| Noncurrent loans to loans | 0.1559% | 2,921 |
| Net loans and leases to total assets | 61.9100% | 2,747 |
| Net loans and leases to deposits | 76.3987% | 2,494 |
| Net loans and leases to core deposits | 79.0267% | 2,877 |
| Total domestic deposits to total assets | 81.0400% | 3,301 |
| Equity capital to assets | 7.7733% | 3,844 |
| Core capital (leverage) ratio | 8.0599% | 4,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0773% | 2,533 |
| Memoranda: | ||
| Average total assets | $1,554,819,750 | 708 |
| Average earning assets | $1,409,489,750 | 709 |
| Average equity | $111,171,250 | 920 |
| Average total loans | $977,497,000 | 769 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3305% | 3,993 |
| Cost of funding earning assets | 1.8160% | 2,582 |
| Net interest margin | 2.5144% | 3,858 |
| Noninterest income to average assets | 1.2200% | 448 |
| Noninterest expense to average assets | 2.8360% | 1,389 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 0.5097% | 3,409 |
| Return on assets (ROA) | 0.5097% | 3,439 |
| Pretax return on assets | 0.6252% | 3,394 |
| Return on Equity (ROE) | 7.3400% | 2,922 |
| Retained earnings to average equity (ytd only) | 1.0157% | 3,598 |
| Net charge-offs to loans | 0.0090% | 2,070 |
| Credit loss provision to net charge-offs | 511.3636% | 621 |
| Earnings coverage of net charge-offs (x) | 116.5455% | 709 |
| Efficiency ratio | 80.7356% | 1,071 |
| Assets per employee ($millions) | 6.6079% | 2,335 |
| Cash dividends to net income (ytd only)* | 86.1694% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2198% | 2,142 |
| Loan loss allowance to noncurrent loans | 624.0041% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.1250% | 2,822 |
| Noncurrent loans to loans | 0.1955% | 2,716 |
| Net loans and leases to total assets | 63.1700% | 2,630 |
| Net loans and leases to deposits | 80.3249% | 2,185 |
| Net loans and leases to core deposits | 83.2240% | 2,586 |
| Total domestic deposits to total assets | 78.6400% | 3,633 |
| Equity capital to assets | 6.9813% | 3,948 |
| Core capital (leverage) ratio | 8.1461% | 4,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4888% | 2,692 |
| Memoranda: | ||
| Average total assets | $1,551,850,333 | 715 |
| Average earning assets | $1,405,254,000 | 714 |
| Average equity | $107,710,333 | 940 |
| Average total loans | $976,597,333 | 769 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2482% | 4,019 |
| Cost of funding earning assets | 1.7670% | 2,597 |
| Net interest margin | 2.4812% | 3,891 |
| Noninterest income to average assets | 1.1900% | 436 |
| Noninterest expense to average assets | 2.8459% | 1,351 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.4832% | 3,438 |
| Return on assets (ROA) | 0.4832% | 3,462 |
| Pretax return on assets | 0.5913% | 3,407 |
| Return on Equity (ROE) | 6.9800% | 2,963 |
| Retained earnings to average equity (ytd only) | 0.4684% | 3,600 |
| Net charge-offs to loans | 0.0338% | 1,221 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 28.0244% | 1,194 |
| Efficiency ratio | 82.4238% | 1,013 |
| Assets per employee ($millions) | 6.5685% | 2,399 |
| Cash dividends to net income (ytd only)* | 93.2907% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 2,238 |
| Loan loss allowance to noncurrent loans | 439.1143% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.1748% | 2,485 |
| Noncurrent loans to loans | 0.2753% | 2,327 |
| Net loans and leases to total assets | 62.7300% | 2,593 |
| Net loans and leases to deposits | 78.7982% | 2,161 |
| Net loans and leases to core deposits | 81.2973% | 2,631 |
| Total domestic deposits to total assets | 79.6100% | 3,587 |
| Equity capital to assets | 6.9287% | 3,928 |
| Core capital (leverage) ratio | 8.1298% | 4,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6138% | 2,687 |
| Memoranda: | ||
| Average total assets | $1,554,651,000 | 719 |
| Average earning assets | $1,408,971,000 | 718 |
| Average equity | $107,591,500 | 939 |
| Average total loans | $970,472,500 | 772 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0711% | 3,851 |
| Cost of funding earning assets | 1.4302% | 2,148 |
| Net interest margin | 2.6410% | 3,912 |
| Noninterest income to average assets | 1.0700% | 571 |
| Noninterest expense to average assets | 2.8972% | 1,273 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.2284% | 4,129 |
| Return on assets (ROA) | 0.2284% | 4,141 |
| Pretax return on assets | 0.5540% | 3,713 |
| Return on Equity (ROE) | 3.5000% | 3,955 |
| Retained earnings to average equity (ytd only) | -2.1388% | 4,278 |
| Net charge-offs to loans | 0.0038% | 2,606 |
| Credit loss provision to net charge-offs | -233.3333% | 4,508 |
| Earnings coverage of net charge-offs (x) | 236.4167% | 519 |
| Efficiency ratio | 83.7065% | 675 |
| Assets per employee ($millions) | 6.7365% | 2,246 |
| Cash dividends to net income (ytd only)* | 161.1738% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2312% | 2,106 |
| Loan loss allowance to noncurrent loans | 860.3186% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 2,943 |
| Noncurrent loans to loans | 0.1431% | 2,798 |
| Net loans and leases to total assets | 60.7200% | 2,783 |
| Net loans and leases to deposits | 75.8412% | 2,471 |
| Net loans and leases to core deposits | 77.9917% | 2,835 |
| Total domestic deposits to total assets | 80.0700% | 3,450 |
| Equity capital to assets | 6.7548% | 4,030 |
| Core capital (leverage) ratio | 8.1066% | 4,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9089% | 2,611 |
| Memoranda: | ||
| Average total assets | $1,551,377,400 | 697 |
| Average earning assets | $1,396,842,800 | 702 |
| Average equity | $101,364,400 | 933 |
| Average total loans | $938,603,600 | 763 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9942% | 3,852 |
| Cost of funding earning assets | 1.3486% | 2,007 |
| Net interest margin | 2.6457% | 3,955 |
| Noninterest income to average assets | 1.0700% | 575 |
| Noninterest expense to average assets | 2.8453% | 1,331 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4605% | 3,848 |
| Return on assets (ROA) | 0.4605% | 3,847 |
| Pretax return on assets | 0.6061% | 3,723 |
| Return on Equity (ROE) | 7.1100% | 3,400 |
| Retained earnings to average equity (ytd only) | 0.7531% | 3,996 |
| Net charge-offs to loans | 0.0017% | 2,525 |
| Credit loss provision to net charge-offs | 25.0000% | 1,992 |
| Earnings coverage of net charge-offs (x) | 586.2500% | 266 |
| Efficiency ratio | 82.0597% | 728 |
| Assets per employee ($millions) | 6.2223% | 2,546 |
| Cash dividends to net income (ytd only)* | 89.4047% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 2,082 |
| Loan loss allowance to noncurrent loans | 19,034.9206% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 3,834 |
| Noncurrent loans to loans | 0.0066% | 3,761 |
| Net loans and leases to total assets | 61.1800% | 2,733 |
| Net loans and leases to deposits | 76.0070% | 2,414 |
| Net loans and leases to core deposits | 77.9600% | 2,744 |
| Total domestic deposits to total assets | 80.5000% | 3,458 |
| Equity capital to assets | 6.0986% | 3,954 |
| Core capital (leverage) ratio | 8.2171% | 4,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8840% | 2,643 |
| Memoranda: | ||
| Average total assets | $1,546,817,750 | 701 |
| Average earning assets | $1,391,367,000 | 707 |
| Average equity | $100,199,250 | 938 |
| Average total loans | $932,003,250 | 771 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8945% | 3,879 |
| Cost of funding earning assets | 1.2303% | 1,901 |
| Net interest margin | 2.6642% | 4,018 |
| Noninterest income to average assets | 1.0600% | 521 |
| Noninterest expense to average assets | 2.8880% | 1,234 |
| Loan and lease loss provision to assets | -0.0200% | 4,411 |
| Net operating income to assets | 0.4488% | 3,915 |
| Return on assets (ROA) | 0.4488% | 3,923 |
| Pretax return on assets | 0.5918% | 3,818 |
| Return on Equity (ROE) | 6.8000% | 3,521 |
| Retained earnings to average equity (ytd only) | 0.5987% | 3,970 |
| Net charge-offs to loans | 0.0084% | 1,891 |
| Credit loss provision to net charge-offs | -392.3077% | 4,588 |
| Earnings coverage of net charge-offs (x) | 113.5385% | 874 |
| Efficiency ratio | 83.0969% | 650 |
| Assets per employee ($millions) | 6.0123% | 2,698 |
| Cash dividends to net income (ytd only)* | 91.1917% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 2,183 |
| Loan loss allowance to noncurrent loans | 26,242.2222% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 3,861 |
| Noncurrent loans to loans | 0.0048% | 3,777 |
| Net loans and leases to total assets | 60.0400% | 2,767 |
| Net loans and leases to deposits | 74.7811% | 2,419 |
| Net loans and leases to core deposits | 76.6534% | 2,715 |
| Total domestic deposits to total assets | 80.2900% | 3,532 |
| Equity capital to assets | 6.6039% | 3,950 |
| Core capital (leverage) ratio | 8.2186% | 4,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6781% | 2,713 |
| Memoranda: | ||
| Average total assets | $1,548,045,000 | 689 |
| Average earning assets | $1,392,156,667 | 698 |
| Average equity | $102,229,333 | 922 |
| Average total loans | $923,966,000 | 766 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7966% | 3,862 |
| Cost of funding earning assets | 1.0810% | 1,804 |
| Net interest margin | 2.7156% | 4,052 |
| Noninterest income to average assets | 1.0700% | 522 |
| Noninterest expense to average assets | 2.9184% | 1,201 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.4118% | 4,069 |
| Return on assets (ROA) | 0.4118% | 4,015 |
| Pretax return on assets | 0.5412% | 3,933 |
| Return on Equity (ROE) | 6.2500% | 3,666 |
| Retained earnings to average equity (ytd only) | 0.8694% | 3,888 |
| Net charge-offs to loans | 0.0057% | 1,754 |
| Credit loss provision to net charge-offs | 1,423.0769% | 289 |
| Earnings coverage of net charge-offs (x) | 174.8462% | 554 |
| Efficiency ratio | 82.8346% | 656 |
| Assets per employee ($millions) | 5.9938% | 2,766 |
| Cash dividends to net income (ytd only)* | 86.0919% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3922% | 1,651 |
| Loan loss allowance to noncurrent loans | 18,362.3188% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 3,861 |
| Noncurrent loans to loans | 0.0076% | 3,781 |
| Net loans and leases to total assets | 58.0300% | 2,867 |
| Net loans and leases to deposits | 69.2800% | 2,675 |
| Net loans and leases to core deposits | 70.9302% | 2,886 |
| Total domestic deposits to total assets | 83.7600% | 3,136 |
| Equity capital to assets | 6.6991% | 3,964 |
| Core capital (leverage) ratio | 8.3024% | 4,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7613% | 2,798 |
| Memoranda: | ||
| Average total assets | $1,543,296,500 | 706 |
| Average earning assets | $1,387,985,000 | 709 |
| Average equity | $101,683,000 | 935 |
| Average total loans | $912,549,500 | 783 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2555% | 3,697 |
| Cost of funding earning assets | 0.3441% | 2,526 |
| Net interest margin | 2.9113% | 3,654 |
| Noninterest income to average assets | 1.0300% | 608 |
| Noninterest expense to average assets | 2.8228% | 1,272 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6862% | 3,655 |
| Return on assets (ROA) | 0.2055% | 4,423 |
| Pretax return on assets | 0.2550% | 4,404 |
| Return on Equity (ROE) | 2.8100% | 4,314 |
| Retained earnings to average equity (ytd only) | 1.2180% | 4,155 |
| Net charge-offs to loans | 0.0229% | 1,604 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 64.6305% | 1,202 |
| Efficiency ratio | 76.5387% | 962 |
| Assets per employee ($millions) | 5.9698% | 2,796 |
| Cash dividends to net income (ytd only)* | 56.6394% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1842% | 2,467 |
| Loan loss allowance to noncurrent loans | 5,209.6154% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 3,735 |
| Noncurrent loans to loans | 0.0227% | 3,636 |
| Net loans and leases to total assets | 58.7100% | 2,761 |
| Net loans and leases to deposits | 67.9883% | 2,731 |
| Net loans and leases to core deposits | 69.3054% | 2,924 |
| Total domestic deposits to total assets | 86.3500% | 2,621 |
| Equity capital to assets | 6.4778% | 3,908 |
| Core capital (leverage) ratio | 8.2565% | 4,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3428% | 2,904 |
| Memoranda: | ||
| Average total assets | $1,546,337,800 | 686 |
| Average earning assets | $1,400,937,800 | 690 |
| Average equity | $113,140,200 | 861 |
| Average total loans | $886,230,000 | 758 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0803% | 3,719 |
| Cost of funding earning assets | 0.2164% | 3,076 |
| Net interest margin | 2.8639% | 3,584 |
| Noninterest income to average assets | 1.0800% | 595 |
| Noninterest expense to average assets | 2.6832% | 1,510 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8304% | 3,129 |
| Return on assets (ROA) | 0.1743% | 4,466 |
| Pretax return on assets | 0.2107% | 4,453 |
| Return on Equity (ROE) | 2.3200% | 4,372 |
| Retained earnings to average equity (ytd only) | 0.2553% | 4,302 |
| Net charge-offs to loans | 0.0070% | 1,893 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 252.6957% | 534 |
| Efficiency ratio | 72.4763% | 1,447 |
| Assets per employee ($millions) | 5.9959% | 2,764 |
| Cash dividends to net income (ytd only)* | 88.9768% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2197% | 2,423 |
| Loan loss allowance to noncurrent loans | 4,260.8527% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 3,794 |
| Noncurrent loans to loans | 0.0286% | 3,695 |
| Net loans and leases to total assets | 57.1100% | 2,786 |
| Net loans and leases to deposits | 66.9174% | 2,637 |
| Net loans and leases to core deposits | 67.9802% | 2,805 |
| Total domestic deposits to total assets | 85.3400% | 3,208 |
| Equity capital to assets | 6.3282% | 3,831 |
| Core capital (leverage) ratio | 8.0774% | 4,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0987% | 3,025 |
| Memoranda: | ||
| Average total assets | $1,547,872,250 | 691 |
| Average earning assets | $1,406,322,000 | 692 |
| Average equity | $116,482,500 | 851 |
| Average total loans | $879,030,750 | 762 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8813% | 3,828 |
| Cost of funding earning assets | 0.1267% | 3,884 |
| Net interest margin | 2.7546% | 3,564 |
| Noninterest income to average assets | 1.1620% | 505 |
| Noninterest expense to average assets | 2.6962% | 1,401 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8039% | 2,942 |
| Return on assets (ROA) | -0.1350% | 4,595 |
| Pretax return on assets | -0.2164% | 4,601 |
| Return on Equity (ROE) | -1.7023% | 4,606 |
| Retained earnings to average equity (ytd only) | -4.6428% | 4,526 |
| Net charge-offs to loans | 0.0099% | 1,619 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 174.5349% | 586 |
| Efficiency ratio | 73.1481% | 1,602 |
| Assets per employee ($millions) | 5.7355% | 2,991 |
| Cash dividends to net income (ytd only)* | -172.7447% | 4,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2285% | 2,544 |
| Loan loss allowance to noncurrent loans | 1,479.9462% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.0482% | 3,506 |
| Noncurrent loans to loans | 0.0830% | 3,368 |
| Net loans and leases to total assets | 57.2996% | 2,600 |
| Net loans and leases to deposits | 64.8817% | 2,651 |
| Net loans and leases to core deposits | 65.8273% | 2,836 |
| Total domestic deposits to total assets | 88.3139% | 2,453 |
| Equity capital to assets | 6.8953% | 3,823 |
| Core capital (leverage) ratio | 8.0096% | 4,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6391% | 2,901 |
| Memoranda: | ||
| Average total assets | $1,544,184,000 | 682 |
| Average earning assets | $1,404,945,000 | 690 |
| Average equity | $122,425,667 | 817 |
| Average total loans | $871,622,000 | 753 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7737% | 3,794 |
| Cost of funding earning assets | 0.0975% | 4,161 |
| Net interest margin | 2.6762% | 3,458 |
| Noninterest income to average assets | 1.0877% | 571 |
| Noninterest expense to average assets | 2.6206% | 1,550 |
| Loan and lease loss provision to assets | 0.0388% | 1,663 |
| Net operating income to assets | 0.6592% | 3,198 |
| Return on assets (ROA) | 0.6103% | 3,343 |
| Pretax return on assets | 0.8120% | 3,076 |
| Return on Equity (ROE) | 7.2275% | 2,970 |
| Retained earnings to average equity (ytd only) | 7.2275% | 1,824 |
| Net charge-offs to loans | 0.0070% | 1,500 |
| Credit loss provision to net charge-offs | 1,000.0000% | 327 |
| Earnings coverage of net charge-offs (x) | 235.0000% | 388 |
| Efficiency ratio | 73.8018% | 1,763 |
| Assets per employee ($millions) | 5.8270% | 2,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2741% | 2,480 |
| Loan loss allowance to noncurrent loans | 2,464.8230% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 3,749 |
| Noncurrent loans to loans | 0.0517% | 3,610 |
| Net loans and leases to total assets | 55.9084% | 2,537 |
| Net loans and leases to deposits | 62.4479% | 2,679 |
| Net loans and leases to core deposits | 63.3753% | 2,851 |
| Total domestic deposits to total assets | 89.5281% | 1,800 |
| Equity capital to assets | 7.8206% | 3,708 |
| Core capital (leverage) ratio | 8.0852% | 4,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7584% | 2,322 |
| Memoranda: | ||
| Average total assets | $1,544,854,000 | 682 |
| Average earning assets | $1,411,680,500 | 690 |
| Average equity | $130,447,000 | 788 |
| Average total loans | $859,913,500 | 754 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9397% | 3,980 |
| Cost of funding earning assets | 0.1512% | 3,964 |
| Net interest margin | 2.7885% | 3,690 |
| Noninterest income to average assets | 1.2025% | 729 |
| Noninterest expense to average assets | 2.9013% | 1,150 |
| Loan and lease loss provision to assets | 0.0202% | 2,665 |
| Net operating income to assets | 0.6278% | 3,818 |
| Return on assets (ROA) | 0.6906% | 3,708 |
| Pretax return on assets | 0.9139% | 3,478 |
| Return on Equity (ROE) | 7.2283% | 3,451 |
| Retained earnings to average equity (ytd only) | 1.3529% | 4,160 |
| Net charge-offs to loans | 0.0028% | 2,518 |
| Credit loss provision to net charge-offs | 1,250.0000% | 447 |
| Earnings coverage of net charge-offs (x) | 528.6250% | 264 |
| Efficiency ratio | 76.8902% | 1,037 |
| Assets per employee ($millions) | 5.6822% | 3,082 |
| Cash dividends to net income (ytd only)* | 81.2835% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3058% | 2,329 |
| Loan loss allowance to noncurrent loans | 1,165.6811% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 3,553 |
| Noncurrent loans to loans | 0.1120% | 3,367 |
| Net loans and leases to total assets | 53.9829% | 2,856 |
| Net loans and leases to deposits | 61.2501% | 2,963 |
| Net loans and leases to core deposits | 62.2196% | 3,142 |
| Total domestic deposits to total assets | 88.1353% | 1,971 |
| Equity capital to assets | 9.0668% | 3,550 |
| Core capital (leverage) ratio | 7.9308% | 4,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,484,630,200 | 692 |
| Average earning assets | $1,359,392,200 | 691 |
| Average equity | $141,845,400 | 750 |
| Average total loans | $849,650,600 | 763 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9878% | 4,026 |
| Cost of funding earning assets | 0.1673% | 3,951 |
| Net interest margin | 2.8205% | 3,733 |
| Noninterest income to average assets | 1.2172% | 771 |
| Noninterest expense to average assets | 2.8483% | 1,220 |
| Loan and lease loss provision to assets | 0.0272% | 2,448 |
| Net operating income to assets | 0.6901% | 3,790 |
| Return on assets (ROA) | 0.7747% | 3,652 |
| Pretax return on assets | 1.0297% | 3,376 |
| Return on Equity (ROE) | 8.0013% | 3,404 |
| Retained earnings to average equity (ytd only) | 6.5169% | 2,612 |
| Net charge-offs to loans | 0.0017% | 2,346 |
| Credit loss provision to net charge-offs | 2,727.2727% | 254 |
| Earnings coverage of net charge-offs (x) | 951.5455% | 171 |
| Efficiency ratio | 74.6375% | 1,160 |
| Assets per employee ($millions) | 5.4628% | 3,232 |
| Cash dividends to net income (ytd only)* | 18.5524% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3634% | 2,165 |
| Loan loss allowance to noncurrent loans | 1,524.4138% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.0461% | 3,843 |
| Noncurrent loans to loans | 0.0894% | 3,634 |
| Net loans and leases to total assets | 50.8201% | 3,313 |
| Net loans and leases to deposits | 57.9367% | 3,411 |
| Net loans and leases to core deposits | 59.3393% | 3,527 |
| Total domestic deposits to total assets | 87.7165% | 1,999 |
| Equity capital to assets | 9.4169% | 3,452 |
| Core capital (leverage) ratio | 8.6729% | 3,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,469,397,250 | 704 |
| Average earning assets | $1,344,562,500 | 703 |
| Average equity | $142,273,500 | 764 |
| Average total loans | $850,718,750 | 778 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0405% | 3,971 |
| Cost of funding earning assets | 0.1900% | 3,856 |
| Net interest margin | 2.8506% | 3,679 |
| Noninterest income to average assets | 1.2625% | 732 |
| Noninterest expense to average assets | 2.8200% | 1,314 |
| Loan and lease loss provision to assets | 0.0418% | 2,174 |
| Net operating income to assets | 0.7568% | 3,625 |
| Return on assets (ROA) | 0.7565% | 3,695 |
| Pretax return on assets | 1.0046% | 3,439 |
| Return on Equity (ROE) | 7.7356% | 3,480 |
| Retained earnings to average equity (ytd only) | 5.4778% | 3,005 |
| Net charge-offs to loans | -0.0014% | 3,127 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5703% | 1,373 |
| Assets per employee ($millions) | 4.9112% | 3,738 |
| Cash dividends to net income (ytd only)* | 29.1874% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3140% | 2,372 |
| Loan loss allowance to noncurrent loans | 1,915.0519% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 3,983 |
| Noncurrent loans to loans | 0.0686% | 3,849 |
| Net loans and leases to total assets | 57.5751% | 2,719 |
| Net loans and leases to deposits | 65.0674% | 2,892 |
| Net loans and leases to core deposits | 66.2393% | 3,092 |
| Total domestic deposits to total assets | 88.4854% | 1,570 |
| Equity capital to assets | 9.8291% | 3,026 |
| Core capital (leverage) ratio | 8.3591% | 4,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,434,767,667 | 714 |
| Average earning assets | $1,310,826,000 | 717 |
| Average equity | $140,313,000 | 767 |
| Average total loans | $864,092,667 | 766 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0530% | 3,983 |
| Cost of funding earning assets | 0.2112% | 3,815 |
| Net interest margin | 2.8418% | 3,661 |
| Noninterest income to average assets | 1.2672% | 785 |
| Noninterest expense to average assets | 2.7960% | 1,380 |
| Loan and lease loss provision to assets | 0.0420% | 2,225 |
| Net operating income to assets | 0.7654% | 3,529 |
| Return on assets (ROA) | 0.7672% | 3,597 |
| Pretax return on assets | 1.0250% | 3,306 |
| Return on Equity (ROE) | 7.8648% | 3,368 |
| Retained earnings to average equity (ytd only) | 6.0756% | 2,865 |
| Net charge-offs to loans | -0.0055% | 3,427 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0588% | 1,490 |
| Assets per employee ($millions) | 4.9402% | 3,723 |
| Cash dividends to net income (ytd only)* | 22.7488% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2532% | 2,649 |
| Loan loss allowance to noncurrent loans | 717.3342% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 3,656 |
| Noncurrent loans to loans | 0.1747% | 3,486 |
| Net loans and leases to total assets | 59.4717% | 2,607 |
| Net loans and leases to deposits | 67.4077% | 2,764 |
| Net loans and leases to core deposits | 68.9423% | 2,970 |
| Total domestic deposits to total assets | 88.2269% | 1,726 |
| Equity capital to assets | 9.5312% | 3,164 |
| Core capital (leverage) ratio | 8.4157% | 4,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,430,198,500 | 710 |
| Average earning assets | $1,305,227,000 | 712 |
| Average equity | $139,508,000 | 765 |
| Average total loans | $874,939,000 | 755 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5822% | 3,849 |
| Cost of funding earning assets | 0.3773% | 3,726 |
| Net interest margin | 3.2048% | 3,347 |
| Noninterest income to average assets | 1.2755% | 699 |
| Noninterest expense to average assets | 3.1275% | 1,180 |
| Loan and lease loss provision to assets | 0.1136% | 2,926 |
| Net operating income to assets | 0.7430% | 3,286 |
| Return on assets (ROA) | 0.7430% | 3,413 |
| Pretax return on assets | 0.9587% | 3,185 |
| Return on Equity (ROE) | 6.8137% | 3,277 |
| Retained earnings to average equity (ytd only) | 3.3826% | 3,129 |
| Net charge-offs to loans | 0.0303% | 2,423 |
| Credit loss provision to net charge-offs | 545.0758% | 1,186 |
| Earnings coverage of net charge-offs (x) | 51.4583% | 1,171 |
| Efficiency ratio | 74.0936% | 1,431 |
| Assets per employee ($millions) | 4.8223% | 3,582 |
| Cash dividends to net income (ytd only)* | 50.3559% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2257% | 2,814 |
| Loan loss allowance to noncurrent loans | 494.6232% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.1643% | 3,450 |
| Noncurrent loans to loans | 0.2478% | 3,308 |
| Net loans and leases to total assets | 61.3871% | 2,676 |
| Net loans and leases to deposits | 69.3978% | 2,947 |
| Net loans and leases to core deposits | 71.3945% | 3,139 |
| Total domestic deposits to total assets | 88.4569% | 1,252 |
| Equity capital to assets | 9.9832% | 3,146 |
| Core capital (leverage) ratio | 8.7915% | 3,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,266,909,000 | 720 |
| Average earning assets | $1,155,978,800 | 724 |
| Average equity | $138,147,600 | 731 |
| Average total loans | $870,441,600 | 738 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5615% | 4,105 |
| Cost of funding earning assets | 0.4232% | 3,681 |
| Net interest margin | 3.1382% | 3,652 |
| Noninterest income to average assets | 1.3112% | 631 |
| Noninterest expense to average assets | 3.1767% | 1,107 |
| Loan and lease loss provision to assets | 0.1402% | 2,616 |
| Net operating income to assets | 0.6742% | 3,546 |
| Return on assets (ROA) | 0.6742% | 3,658 |
| Pretax return on assets | 0.8612% | 3,487 |
| Return on Equity (ROE) | 6.0368% | 3,541 |
| Retained earnings to average equity (ytd only) | 2.3926% | 3,790 |
| Net charge-offs to loans | 0.0348% | 2,137 |
| Credit loss provision to net charge-offs | 570.0441% | 1,192 |
| Earnings coverage of net charge-offs (x) | 40.7093% | 1,349 |
| Efficiency ratio | 75.6458% | 1,237 |
| Assets per employee ($millions) | 4.4067% | 3,950 |
| Cash dividends to net income (ytd only)* | 60.3664% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1752% | 2,806 |
| Loan loss allowance to noncurrent loans | 269.0657% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 2,895 |
| Noncurrent loans to loans | 0.4368% | 2,751 |
| Net loans and leases to total assets | 68.6943% | 2,152 |
| Net loans and leases to deposits | 78.1480% | 2,519 |
| Net loans and leases to core deposits | 80.8710% | 2,766 |
| Total domestic deposits to total assets | 87.9027% | 1,260 |
| Equity capital to assets | 10.6592% | 2,662 |
| Core capital (leverage) ratio | 8.7460% | 4,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,230,404,000 | 725 |
| Average earning assets | $1,124,008,250 | 728 |
| Average equity | $137,420,750 | 723 |
| Average total loans | $868,522,250 | 733 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7091% | 4,069 |
| Cost of funding earning assets | 0.4783% | 3,667 |
| Net interest margin | 3.2308% | 3,576 |
| Noninterest income to average assets | 1.3019% | 601 |
| Noninterest expense to average assets | 3.2766% | 1,033 |
| Loan and lease loss provision to assets | 0.1380% | 2,641 |
| Net operating income to assets | 0.6610% | 3,547 |
| Return on assets (ROA) | 0.6610% | 3,636 |
| Pretax return on assets | 0.8387% | 3,481 |
| Return on Equity (ROE) | 5.8225% | 3,573 |
| Retained earnings to average equity (ytd only) | 3.2101% | 3,301 |
| Net charge-offs to loans | 0.0273% | 2,173 |
| Credit loss provision to net charge-offs | 711.1111% | 994 |
| Earnings coverage of net charge-offs (x) | 50.3248% | 1,101 |
| Efficiency ratio | 76.6516% | 1,198 |
| Assets per employee ($millions) | 4.4050% | 3,909 |
| Cash dividends to net income (ytd only)* | 44.8683% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1378% | 2,839 |
| Loan loss allowance to noncurrent loans | 310.7994% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.2690% | 3,243 |
| Noncurrent loans to loans | 0.3661% | 3,096 |
| Net loans and leases to total assets | 69.5991% | 2,092 |
| Net loans and leases to deposits | 79.4690% | 2,493 |
| Net loans and leases to core deposits | 82.8048% | 2,714 |
| Total domestic deposits to total assets | 87.5801% | 1,388 |
| Equity capital to assets | 10.7807% | 2,506 |
| Core capital (leverage) ratio | 9.2890% | 3,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,205,746,333 | 729 |
| Average earning assets | $1,101,463,667 | 730 |
| Average equity | $136,882,333 | 718 |
| Average total loans | $855,800,667 | 728 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0243% | 3,723 |
| Cost of funding earning assets | 0.5789% | 3,539 |
| Net interest margin | 3.4454% | 3,162 |
| Noninterest income to average assets | 1.2067% | 601 |
| Noninterest expense to average assets | 3.5402% | 877 |
| Loan and lease loss provision to assets | 0.1222% | 2,172 |
| Net operating income to assets | 0.5454% | 3,761 |
| Return on assets (ROA) | 0.5454% | 3,822 |
| Pretax return on assets | 0.6754% | 3,757 |
| Return on Equity (ROE) | 4.6739% | 3,758 |
| Retained earnings to average equity (ytd only) | 2.0972% | 3,412 |
| Net charge-offs to loans | 0.0366% | 1,687 |
| Credit loss provision to net charge-offs | 468.4211% | 918 |
| Earnings coverage of net charge-offs (x) | 30.5789% | 1,173 |
| Efficiency ratio | 81.2169% | 1,024 |
| Assets per employee ($millions) | 4.0168% | 3,895 |
| Cash dividends to net income (ytd only)* | 55.1290% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1833% | 2,758 |
| Loan loss allowance to noncurrent loans | 394.2469% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.2281% | 3,556 |
| Noncurrent loans to loans | 0.3001% | 3,427 |
| Net loans and leases to total assets | 70.9870% | 2,094 |
| Net loans and leases to deposits | 82.2780% | 2,422 |
| Net loans and leases to core deposits | 86.3349% | 2,651 |
| Total domestic deposits to total assets | 86.2770% | 1,883 |
| Equity capital to assets | 11.7633% | 2,241 |
| Core capital (leverage) ratio | 9.7101% | 3,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,165,484,500 | 720 |
| Average earning assets | $1,059,166,000 | 725 |
| Average equity | $135,989,000 | 718 |
| Average total loans | $830,933,500 | 723 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2305% | 3,729 |
| Cost of funding earning assets | 0.6415% | 3,450 |
| Net interest margin | 3.5890% | 3,165 |
| Noninterest income to average assets | 1.2136% | 640 |
| Noninterest expense to average assets | 3.5071% | 955 |
| Loan and lease loss provision to assets | 0.0686% | 2,641 |
| Net operating income to assets | 0.7244% | 3,785 |
| Return on assets (ROA) | 0.8430% | 3,498 |
| Pretax return on assets | 1.0633% | 3,291 |
| Return on Equity (ROE) | 7.2239% | 3,475 |
| Retained earnings to average equity (ytd only) | 1.7733% | 4,098 |
| Net charge-offs to loans | 0.0344% | 2,698 |
| Credit loss provision to net charge-offs | 278.2143% | 1,014 |
| Earnings coverage of net charge-offs (x) | 39.7964% | 1,319 |
| Efficiency ratio | 77.4901% | 1,206 |
| Assets per employee ($millions) | 4.1790% | 3,656 |
| Cash dividends to net income (ytd only)* | 75.4520% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1581% | 2,654 |
| Loan loss allowance to noncurrent loans | 363.5950% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.2378% | 3,493 |
| Noncurrent loans to loans | 0.3185% | 3,296 |
| Net loans and leases to total assets | 69.9380% | 2,405 |
| Net loans and leases to deposits | 81.8621% | 2,574 |
| Net loans and leases to core deposits | 85.8048% | 2,802 |
| Total domestic deposits to total assets | 85.4340% | 2,329 |
| Equity capital to assets | 11.5735% | 2,467 |
| Core capital (leverage) ratio | 9.8592% | 3,663 |
| Tier 1 risk-based capital ratio | 12.4400% | 4,110 |
| Total risk-based capital ratio | 13.5280% | 4,069 |
| Memoranda: | ||
| Average total assets | $1,135,060,400 | 697 |
| Average earning assets | $1,035,840,000 | 707 |
| Average equity | $132,462,600 | 695 |
| Average total loans | $814,585,400 | 702 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2756% | 3,733 |
| Cost of funding earning assets | 0.6599% | 3,397 |
| Net interest margin | 3.6157% | 3,211 |
| Noninterest income to average assets | 1.1979% | 640 |
| Noninterest expense to average assets | 3.5998% | 850 |
| Loan and lease loss provision to assets | 0.0884% | 2,133 |
| Net operating income to assets | 0.6570% | 4,144 |
| Return on assets (ROA) | 0.8205% | 3,689 |
| Pretax return on assets | 1.0179% | 3,534 |
| Return on Equity (ROE) | 7.0156% | 3,673 |
| Retained earnings to average equity (ytd only) | 0.0111% | 4,754 |
| Net charge-offs to loans | 0.0340% | 2,392 |
| Credit loss provision to net charge-offs | 360.8696% | 833 |
| Earnings coverage of net charge-offs (x) | 36.9135% | 1,438 |
| Efficiency ratio | 79.2300% | 990 |
| Assets per employee ($millions) | 4.1226% | 3,726 |
| Cash dividends to net income (ytd only)* | 99.8414% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 2,618 |
| Loan loss allowance to noncurrent loans | 487.7406% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.1767% | 3,866 |
| Noncurrent loans to loans | 0.2418% | 3,677 |
| Net loans and leases to total assets | 72.1965% | 2,149 |
| Net loans and leases to deposits | 84.0923% | 2,443 |
| Net loans and leases to core deposits | 88.3817% | 2,697 |
| Total domestic deposits to total assets | 85.8539% | 2,056 |
| Equity capital to assets | 11.9360% | 2,306 |
| Core capital (leverage) ratio | 9.8305% | 3,807 |
| Tier 1 risk-based capital ratio | 12.9951% | 3,850 |
| Total risk-based capital ratio | 14.1618% | 3,792 |
| Memoranda: | ||
| Average total assets | $1,126,297,250 | 704 |
| Average earning assets | $1,029,974,000 | 707 |
| Average equity | $131,722,500 | 694 |
| Average total loans | $811,246,250 | 708 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2638% | 3,746 |
| Cost of funding earning assets | 0.6577% | 3,367 |
| Net interest margin | 3.6061% | 3,235 |
| Noninterest income to average assets | 1.1221% | 673 |
| Noninterest expense to average assets | 3.5621% | 888 |
| Loan and lease loss provision to assets | 0.1057% | 1,771 |
| Net operating income to assets | 0.6248% | 4,237 |
| Return on assets (ROA) | 0.6847% | 4,106 |
| Pretax return on assets | 0.8237% | 4,038 |
| Return on Equity (ROE) | 5.8942% | 4,077 |
| Retained earnings to average equity (ytd only) | -2.6437% | 4,953 |
| Net charge-offs to loans | 0.0405% | 2,083 |
| Credit loss provision to net charge-offs | 364.0244% | 784 |
| Earnings coverage of net charge-offs (x) | 29.5183% | 1,476 |
| Efficiency ratio | 79.9038% | 976 |
| Assets per employee ($millions) | 3.9360% | 3,957 |
| Cash dividends to net income (ytd only)* | 144.8526% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1755% | 2,647 |
| Loan loss allowance to noncurrent loans | 415.2202% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.2088% | 3,743 |
| Noncurrent loans to loans | 0.2831% | 3,524 |
| Net loans and leases to total assets | 72.8912% | 2,080 |
| Net loans and leases to deposits | 84.7911% | 2,396 |
| Net loans and leases to core deposits | 88.3375% | 2,761 |
| Total domestic deposits to total assets | 85.9656% | 2,052 |
| Equity capital to assets | 12.0475% | 2,150 |
| Core capital (leverage) ratio | 9.7289% | 3,903 |
| Tier 1 risk-based capital ratio | 12.7114% | 4,004 |
| Total risk-based capital ratio | 13.8599% | 3,958 |
| Memoranda: | ||
| Average total assets | $1,129,319,670 | 698 |
| Average earning assets | $1,032,640,670 | 703 |
| Average equity | $131,179,000 | 694 |
| Average total loans | $809,585,330 | 708 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2422% | 3,740 |
| Cost of funding earning assets | 0.6635% | 3,243 |
| Net interest margin | 3.5787% | 3,334 |
| Noninterest income to average assets | 1.0607% | 714 |
| Noninterest expense to average assets | 3.5514% | 904 |
| Loan and lease loss provision to assets | 0.1233% | 1,422 |
| Net operating income to assets | 0.5925% | 4,270 |
| Return on assets (ROA) | 0.5925% | 4,301 |
| Pretax return on assets | 0.6554% | 4,406 |
| Return on Equity (ROE) | 5.1938% | 4,270 |
| Retained earnings to average equity (ytd only) | -8.2806% | 5,043 |
| Net charge-offs to loans | 0.0222% | 2,004 |
| Credit loss provision to net charge-offs | 784.4444% | 449 |
| Earnings coverage of net charge-offs (x) | 49.5333% | 1,036 |
| Efficiency ratio | 81.3135% | 945 |
| Assets per employee ($millions) | 4.0016% | 3,922 |
| Cash dividends to net income (ytd only)* | 259.4340% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 2,835 |
| Loan loss allowance to noncurrent loans | 547.2335% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.1511% | 4,051 |
| Noncurrent loans to loans | 0.2105% | 3,831 |
| Net loans and leases to total assets | 70.9439% | 2,336 |
| Net loans and leases to deposits | 82.3596% | 2,577 |
| Net loans and leases to core deposits | 85.5529% | 2,904 |
| Total domestic deposits to total assets | 86.1392% | 2,210 |
| Equity capital to assets | 11.4553% | 2,437 |
| Core capital (leverage) ratio | 9.3219% | 4,344 |
| Tier 1 risk-based capital ratio | 12.3343% | 4,280 |
| Total risk-based capital ratio | 13.4465% | 4,230 |
| Memoranda: | ||
| Average total assets | $1,144,904,000 | 695 |
| Average earning assets | $1,045,960,000 | 699 |
| Average equity | $130,618,500 | 695 |
| Average total loans | $809,390,000 | 712 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0997% | 3,743 |
| Cost of funding earning assets | 0.4790% | 3,493 |
| Net interest margin | 3.6207% | 3,308 |
| Noninterest income to average assets | 1.0994% | 768 |
| Noninterest expense to average assets | 3.4654% | 1,043 |
| Loan and lease loss provision to assets | 0.0183% | 3,793 |
| Net operating income to assets | 0.7869% | 3,851 |
| Return on assets (ROA) | 0.8116% | 3,761 |
| Pretax return on assets | 0.9436% | 3,779 |
| Return on Equity (ROE) | 7.0855% | 3,791 |
| Retained earnings to average equity (ytd only) | 2.6795% | 4,063 |
| Net charge-offs to loans | -0.0322% | 4,837 |
| Credit loss provision to net charge-offs | -80.7843% | 4,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0791% | 1,124 |
| Assets per employee ($millions) | 3.9364% | 3,985 |
| Cash dividends to net income (ytd only)* | 62.1838% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 2,919 |
| Loan loss allowance to noncurrent loans | 637.7544% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.1436% | 4,109 |
| Noncurrent loans to loans | 0.1774% | 3,960 |
| Net loans and leases to total assets | 68.8471% | 2,757 |
| Net loans and leases to deposits | 80.2011% | 2,932 |
| Net loans and leases to core deposits | 82.8082% | 3,198 |
| Total domestic deposits to total assets | 85.8431% | 2,305 |
| Equity capital to assets | 11.3628% | 2,357 |
| Core capital (leverage) ratio | 9.7119% | 3,893 |
| Tier 1 risk-based capital ratio | 12.7111% | 4,007 |
| Total risk-based capital ratio | 13.7930% | 3,986 |
| Memoranda: | ||
| Average total assets | $1,125,060,400 | 684 |
| Average earning assets | $1,025,148,600 | 689 |
| Average equity | $128,869,600 | 672 |
| Average total loans | $792,401,400 | 708 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0537% | 3,778 |
| Cost of funding earning assets | 0.4544% | 3,498 |
| Net interest margin | 3.5993% | 3,369 |
| Noninterest income to average assets | 1.1253% | 737 |
| Noninterest expense to average assets | 3.3635% | 1,170 |
| Loan and lease loss provision to assets | 0.0221% | 3,578 |
| Net operating income to assets | 0.8541% | 3,720 |
| Return on assets (ROA) | 0.8771% | 3,637 |
| Pretax return on assets | 1.0514% | 3,573 |
| Return on Equity (ROE) | 7.6419% | 3,689 |
| Retained earnings to average equity (ytd only) | 2.7897% | 4,320 |
| Net charge-offs to loans | -0.0680% | 5,044 |
| Credit loss provision to net charge-offs | -45.9057% | 4,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5782% | 1,400 |
| Assets per employee ($millions) | 3.8443% | 4,112 |
| Cash dividends to net income (ytd only)* | 63.4942% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 2,966 |
| Loan loss allowance to noncurrent loans | 764.7303% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.1473% | 4,209 |
| Noncurrent loans to loans | 0.1490% | 4,220 |
| Net loans and leases to total assets | 71.4625% | 2,415 |
| Net loans and leases to deposits | 83.5401% | 2,651 |
| Net loans and leases to core deposits | 86.4823% | 2,958 |
| Total domestic deposits to total assets | 85.5427% | 2,376 |
| Equity capital to assets | 11.5016% | 2,261 |
| Core capital (leverage) ratio | 9.6917% | 3,949 |
| Tier 1 risk-based capital ratio | 12.6287% | 4,139 |
| Total risk-based capital ratio | 13.7282% | 4,099 |
| Memoranda: | ||
| Average total assets | $1,117,987,750 | 684 |
| Average earning assets | $1,019,981,750 | 689 |
| Average equity | $128,323,750 | 668 |
| Average total loans | $789,717,500 | 709 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9838% | 3,830 |
| Cost of funding earning assets | 0.4212% | 3,563 |
| Net interest margin | 3.5626% | 3,429 |
| Noninterest income to average assets | 1.1409% | 743 |
| Noninterest expense to average assets | 3.3351% | 1,241 |
| Loan and lease loss provision to assets | 0.0259% | 3,398 |
| Net operating income to assets | 0.8640% | 3,611 |
| Return on assets (ROA) | 0.8812% | 3,544 |
| Pretax return on assets | 1.0510% | 3,512 |
| Return on Equity (ROE) | 7.6828% | 3,634 |
| Retained earnings to average equity (ytd only) | 2.4569% | 4,280 |
| Net charge-offs to loans | -0.1116% | 5,201 |
| Credit loss provision to net charge-offs | -33.1808% | 3,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2353% | 1,527 |
| Assets per employee ($millions) | 3.8436% | 4,140 |
| Cash dividends to net income (ytd only)* | 68.0203% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 2,897 |
| Loan loss allowance to noncurrent loans | 988.0901% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.1515% | 4,232 |
| Noncurrent loans to loans | 0.1181% | 4,376 |
| Net loans and leases to total assets | 70.2060% | 2,552 |
| Net loans and leases to deposits | 81.8269% | 2,785 |
| Net loans and leases to core deposits | 84.6489% | 3,029 |
| Total domestic deposits to total assets | 85.7982% | 2,373 |
| Equity capital to assets | 11.5642% | 2,150 |
| Core capital (leverage) ratio | 9.6481% | 3,946 |
| Tier 1 risk-based capital ratio | 12.7080% | 4,056 |
| Total risk-based capital ratio | 13.8271% | 4,035 |
| Memoranda: | ||
| Average total assets | $1,117,749,000 | 687 |
| Average earning assets | $1,019,879,670 | 689 |
| Average equity | $128,208,670 | 670 |
| Average total loans | $783,400,330 | 710 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9197% | 3,874 |
| Cost of funding earning assets | 0.3982% | 3,602 |
| Net interest margin | 3.5215% | 3,454 |
| Noninterest income to average assets | 1.1730% | 668 |
| Noninterest expense to average assets | 3.2643% | 1,421 |
| Loan and lease loss provision to assets | 0.0432% | 2,894 |
| Net operating income to assets | 0.9006% | 3,288 |
| Return on assets (ROA) | 0.9350% | 3,149 |
| Pretax return on assets | 1.1148% | 3,116 |
| Return on Equity (ROE) | 8.1851% | 3,305 |
| Retained earnings to average equity (ytd only) | 2.7200% | 4,088 |
| Net charge-offs to loans | -0.2332% | 5,403 |
| Credit loss provision to net charge-offs | -26.5934% | 3,584 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7969% | 1,926 |
| Assets per employee ($millions) | 3.8607% | 4,199 |
| Cash dividends to net income (ytd only)* | 66.7684% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1667% | 2,994 |
| Loan loss allowance to noncurrent loans | 746.9968% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 3,991 |
| Noncurrent loans to loans | 0.1562% | 4,282 |
| Net loans and leases to total assets | 69.6296% | 2,539 |
| Net loans and leases to deposits | 80.5820% | 2,741 |
| Net loans and leases to core deposits | 83.4864% | 3,017 |
| Total domestic deposits to total assets | 86.4084% | 2,360 |
| Equity capital to assets | 11.3991% | 2,216 |
| Core capital (leverage) ratio | 9.4462% | 4,131 |
| Tier 1 risk-based capital ratio | 12.3983% | 4,306 |
| Total risk-based capital ratio | 13.4977% | 4,302 |
| Memoranda: | ||
| Average total assets | $1,121,229,000 | 684 |
| Average earning assets | $1,021,494,000 | 694 |
| Average equity | $128,086,000 | 666 |
| Average total loans | $780,575,500 | 710 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8647% | 3,840 |
| Cost of funding earning assets | 0.2988% | 4,156 |
| Net interest margin | 3.5659% | 3,282 |
| Noninterest income to average assets | 1.0882% | 857 |
| Noninterest expense to average assets | 3.1209% | 1,798 |
| Loan and lease loss provision to assets | 0.0905% | 2,385 |
| Net operating income to assets | 0.8808% | 2,813 |
| Return on assets (ROA) | 0.8844% | 2,818 |
| Pretax return on assets | 1.1474% | 2,994 |
| Return on Equity (ROE) | 7.9806% | 2,805 |
| Retained earnings to average equity (ytd only) | 4.4173% | 2,509 |
| Net charge-offs to loans | 0.2176% | 1,194 |
| Credit loss provision to net charge-offs | 61.1985% | 3,201 |
| Earnings coverage of net charge-offs (x) | 8.3366% | 2,927 |
| Efficiency ratio | 70.9594% | 2,407 |
| Assets per employee ($millions) | 3.8926% | 4,130 |
| Cash dividends to net income (ytd only)* | 44.6492% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 3,259 |
| Loan loss allowance to noncurrent loans | 408.2821% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.2540% | 3,869 |
| Noncurrent loans to loans | 0.2736% | 3,804 |
| Net loans and leases to total assets | 68.1257% | 2,801 |
| Net loans and leases to deposits | 78.5739% | 3,056 |
| Net loans and leases to core deposits | 81.2409% | 3,316 |
| Total domestic deposits to total assets | 86.7028% | 2,147 |
| Equity capital to assets | 11.3595% | 2,320 |
| Core capital (leverage) ratio | 9.4931% | 4,059 |
| Tier 1 risk-based capital ratio | 12.7403% | 4,068 |
| Total risk-based capital ratio | 13.8198% | 4,063 |
| Memoranda: | ||
| Average total assets | $1,116,756,200 | 665 |
| Average earning assets | $1,022,797,400 | 664 |
| Average equity | $123,762,200 | 664 |
| Average total loans | $759,318,200 | 690 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8112% | 3,962 |
| Cost of funding earning assets | 0.2888% | 4,236 |
| Net interest margin | 3.5224% | 3,418 |
| Noninterest income to average assets | 1.0452% | 936 |
| Noninterest expense to average assets | 3.1459% | 1,685 |
| Loan and lease loss provision to assets | 0.0799% | 2,487 |
| Net operating income to assets | 0.8381% | 3,335 |
| Return on assets (ROA) | 0.8420% | 3,365 |
| Pretax return on assets | 1.0597% | 3,461 |
| Return on Equity (ROE) | 7.6461% | 3,319 |
| Retained earnings to average equity (ytd only) | 3.5116% | 3,825 |
| Net charge-offs to loans | 0.2728% | 790 |
| Credit loss provision to net charge-offs | 43.2450% | 2,983 |
| Earnings coverage of net charge-offs (x) | 6.1370% | 3,014 |
| Efficiency ratio | 72.7623% | 2,082 |
| Assets per employee ($millions) | 3.7694% | 4,341 |
| Cash dividends to net income (ytd only)* | 54.0732% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1023% | 3,470 |
| Loan loss allowance to noncurrent loans | 284.9864% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.3316% | 3,724 |
| Noncurrent loans to loans | 0.3868% | 3,568 |
| Net loans and leases to total assets | 68.8599% | 2,717 |
| Net loans and leases to deposits | 79.7091% | 3,000 |
| Net loans and leases to core deposits | 82.7353% | 3,229 |
| Total domestic deposits to total assets | 86.3890% | 2,140 |
| Equity capital to assets | 11.5115% | 2,359 |
| Core capital (leverage) ratio | 9.2443% | 4,470 |
| Tier 1 risk-based capital ratio | 12.7499% | 4,174 |
| Total risk-based capital ratio | 13.8254% | 4,180 |
| Memoranda: | ||
| Average total assets | $1,115,677,500 | 665 |
| Average earning assets | $1,024,738,250 | 666 |
| Average equity | $122,865,750 | 673 |
| Average total loans | $756,056,500 | 698 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7653% | 4,019 |
| Cost of funding earning assets | 0.2738% | 4,344 |
| Net interest margin | 3.4915% | 3,437 |
| Noninterest income to average assets | 1.0187% | 979 |
| Noninterest expense to average assets | 3.1266% | 1,779 |
| Loan and lease loss provision to assets | 0.0329% | 3,334 |
| Net operating income to assets | 0.8599% | 3,114 |
| Return on assets (ROA) | 0.8579% | 3,176 |
| Pretax return on assets | 1.0630% | 3,326 |
| Return on Equity (ROE) | 7.9064% | 3,081 |
| Retained earnings to average equity (ytd only) | 4.0336% | 3,312 |
| Net charge-offs to loans | 0.2444% | 835 |
| Credit loss provision to net charge-offs | 20.0651% | 2,786 |
| Earnings coverage of net charge-offs (x) | 6.6909% | 2,678 |
| Efficiency ratio | 73.2679% | 2,138 |
| Assets per employee ($millions) | 3.7785% | 4,309 |
| Cash dividends to net income (ytd only)* | 48.9830% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1156% | 3,491 |
| Loan loss allowance to noncurrent loans | 230.0081% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.3373% | 3,770 |
| Noncurrent loans to loans | 0.4850% | 3,293 |
| Net loans and leases to total assets | 68.7718% | 2,697 |
| Net loans and leases to deposits | 80.0451% | 2,905 |
| Net loans and leases to core deposits | 83.3891% | 3,137 |
| Total domestic deposits to total assets | 85.9163% | 2,407 |
| Equity capital to assets | 11.3869% | 2,421 |
| Core capital (leverage) ratio | 7.9156% | 5,562 |
| Tier 1 risk-based capital ratio | 12.5648% | 4,261 |
| Total risk-based capital ratio | 13.6518% | 4,242 |
| Memoranda: | ||
| Average total assets | $1,123,198,000 | 665 |
| Average earning assets | $1,031,469,000 | 663 |
| Average equity | $121,876,330 | 678 |
| Average total loans | $754,372,330 | 699 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7111% | 4,085 |
| Cost of funding earning assets | 0.2623% | 4,433 |
| Net interest margin | 3.4487% | 3,449 |
| Noninterest income to average assets | 0.9610% | 1,080 |
| Noninterest expense to average assets | 3.1901% | 1,641 |
| Loan and lease loss provision to assets | 0.0046% | 3,499 |
| Net operating income to assets | 0.7784% | 3,321 |
| Return on assets (ROA) | 0.7781% | 3,381 |
| Pretax return on assets | 0.9304% | 3,657 |
| Return on Equity (ROE) | 7.3470% | 3,237 |
| Retained earnings to average equity (ytd only) | 4.1526% | 3,381 |
| Net charge-offs to loans | 0.4730% | 392 |
| Credit loss provision to net charge-offs | 1.4673% | 2,274 |
| Earnings coverage of net charge-offs (x) | 2.9955% | 2,525 |
| Efficiency ratio | 76.5847% | 1,821 |
| Assets per employee ($millions) | 3.8546% | 4,252 |
| Cash dividends to net income (ytd only)* | 43.4783% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1206% | 3,582 |
| Loan loss allowance to noncurrent loans | 232.5485% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.3409% | 3,832 |
| Noncurrent loans to loans | 0.4819% | 3,358 |
| Net loans and leases to total assets | 66.0405% | 2,962 |
| Net loans and leases to deposits | 75.8350% | 3,218 |
| Net loans and leases to core deposits | 79.2323% | 3,360 |
| Total domestic deposits to total assets | 87.0845% | 2,172 |
| Equity capital to assets | 10.8382% | 2,814 |
| Core capital (leverage) ratio | 8.6955% | 5,052 |
| Tier 1 risk-based capital ratio | 12.4260% | 4,429 |
| Total risk-based capital ratio | 13.5075% | 4,440 |
| Memoranda: | ||
| Average total assets | $1,135,023,000 | 665 |
| Average earning assets | $1,041,429,500 | 660 |
| Average equity | $120,212,500 | 685 |
| Average total loans | $749,203,500 | 707 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8491% | 3,745 |
| Cost of funding earning assets | 0.2778% | 4,271 |
| Net interest margin | 3.5713% | 3,178 |
| Noninterest income to average assets | 1.0741% | 979 |
| Noninterest expense to average assets | 3.4027% | 1,352 |
| Loan and lease loss provision to assets | 0.0737% | 2,878 |
| Net operating income to assets | 0.7268% | 3,656 |
| Return on assets (ROA) | 0.7704% | 3,549 |
| Pretax return on assets | 0.9192% | 3,774 |
| Return on Equity (ROE) | 7.1622% | 3,385 |
| Retained earnings to average equity (ytd only) | 5.9251% | 1,751 |
| Net charge-offs to loans | 0.0622% | 2,816 |
| Credit loss provision to net charge-offs | 179.7297% | 1,557 |
| Earnings coverage of net charge-offs (x) | 22.9347% | 1,710 |
| Efficiency ratio | 77.6291% | 1,753 |
| Assets per employee ($millions) | 4.0867% | 3,813 |
| Cash dividends to net income (ytd only)* | 17.2724% | 3,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 2,894 |
| Loan loss allowance to noncurrent loans | 202.0493% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.4360% | 3,520 |
| Noncurrent loans to loans | 0.6122% | 3,016 |
| Net loans and leases to total assets | 64.4377% | 3,300 |
| Net loans and leases to deposits | 73.2626% | 3,587 |
| Net loans and leases to core deposits | 76.4026% | 3,717 |
| Total domestic deposits to total assets | 87.9544% | 1,650 |
| Equity capital to assets | 10.3499% | 3,327 |
| Core capital (leverage) ratio | 8.7037% | 5,072 |
| Tier 1 risk-based capital ratio | 12.2965% | 4,507 |
| Total risk-based capital ratio | 13.4887% | 4,424 |
| Memoranda: | ||
| Average total assets | $1,082,097,200 | 667 |
| Average earning assets | $990,664,200 | 670 |
| Average equity | $116,402,400 | 686 |
| Average total loans | $713,506,000 | 709 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8846% | 3,636 |
| Cost of funding earning assets | 0.2848% | 4,256 |
| Net interest margin | 3.5997% | 3,078 |
| Noninterest income to average assets | 1.0456% | 1,038 |
| Noninterest expense to average assets | 3.4916% | 1,164 |
| Loan and lease loss provision to assets | 0.0955% | 2,312 |
| Net operating income to assets | 0.6549% | 4,058 |
| Return on assets (ROA) | 0.7147% | 3,907 |
| Pretax return on assets | 0.8260% | 4,229 |
| Return on Equity (ROE) | 6.5773% | 3,785 |
| Retained earnings to average equity (ytd only) | 5.6101% | 2,428 |
| Net charge-offs to loans | 0.0626% | 2,457 |
| Credit loss provision to net charge-offs | 230.5136% | 1,279 |
| Earnings coverage of net charge-offs (x) | 20.5862% | 1,866 |
| Efficiency ratio | 79.6676% | 1,478 |
| Assets per employee ($millions) | 3.9600% | 4,039 |
| Cash dividends to net income (ytd only)* | 14.7059% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 2,873 |
| Loan loss allowance to noncurrent loans | 513.5165% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.2070% | 4,606 |
| Noncurrent loans to loans | 0.2461% | 4,387 |
| Net loans and leases to total assets | 64.0352% | 3,394 |
| Net loans and leases to deposits | 73.5704% | 3,635 |
| Net loans and leases to core deposits | 76.7008% | 3,773 |
| Total domestic deposits to total assets | 87.0393% | 1,877 |
| Equity capital to assets | 10.6656% | 3,389 |
| Core capital (leverage) ratio | 8.5704% | 5,292 |
| Tier 1 risk-based capital ratio | 12.3299% | 4,587 |
| Total risk-based capital ratio | 13.5574% | 4,500 |
| Memoranda: | ||
| Average total assets | $1,065,529,500 | 679 |
| Average earning assets | $976,415,000 | 680 |
| Average equity | $115,789,250 | 692 |
| Average total loans | $704,570,000 | 715 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9268% | 3,512 |
| Cost of funding earning assets | 0.2903% | 4,246 |
| Net interest margin | 3.6366% | 2,948 |
| Noninterest income to average assets | 1.0289% | 1,058 |
| Noninterest expense to average assets | 3.6936% | 891 |
| Loan and lease loss provision to assets | 0.1351% | 1,688 |
| Net operating income to assets | 0.4891% | 4,724 |
| Return on assets (ROA) | 0.5874% | 4,448 |
| Pretax return on assets | 0.6310% | 4,814 |
| Return on Equity (ROE) | 5.3690% | 4,350 |
| Retained earnings to average equity (ytd only) | 4.9473% | 2,773 |
| Net charge-offs to loans | 0.0292% | 2,893 |
| Credit loss provision to net charge-offs | 696.0396% | 509 |
| Earnings coverage of net charge-offs (x) | 34.0198% | 1,291 |
| Efficiency ratio | 84.1346% | 1,039 |
| Assets per employee ($millions) | 3.9076% | 4,081 |
| Cash dividends to net income (ytd only)* | 7.8534% | 3,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2733% | 2,935 |
| Loan loss allowance to noncurrent loans | 584.1621% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.2023% | 4,679 |
| Noncurrent loans to loans | 0.2180% | 4,568 |
| Net loans and leases to total assets | 66.0207% | 3,081 |
| Net loans and leases to deposits | 76.1594% | 3,366 |
| Net loans and leases to core deposits | 79.9421% | 3,462 |
| Total domestic deposits to total assets | 86.6876% | 2,066 |
| Equity capital to assets | 10.7783% | 3,312 |
| Core capital (leverage) ratio | 8.4594% | 5,396 |
| Tier 1 risk-based capital ratio | 12.0233% | 4,809 |
| Total risk-based capital ratio | 13.2648% | 4,731 |
| Memoranda: | ||
| Average total assets | $1,040,545,330 | 695 |
| Average earning assets | $951,450,000 | 696 |
| Average equity | $113,839,330 | 709 |
| Average total loans | $692,874,670 | 725 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9689% | 3,334 |
| Cost of funding earning assets | 0.2953% | 4,211 |
| Net interest margin | 3.6736% | 2,785 |
| Noninterest income to average assets | 0.9912% | 1,096 |
| Noninterest expense to average assets | 3.9759% | 621 |
| Loan and lease loss provision to assets | 0.1146% | 1,828 |
| Net operating income to assets | 0.3233% | 5,233 |
| Return on assets (ROA) | 0.3301% | 5,298 |
| Pretax return on assets | 0.2243% | 5,612 |
| Return on Equity (ROE) | 2.9928% | 5,238 |
| Retained earnings to average equity (ytd only) | 2.9928% | 4,016 |
| Net charge-offs to loans | -0.0571% | 5,391 |
| Credit loss provision to net charge-offs | -302.1053% | 4,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6327% | 573 |
| Assets per employee ($millions) | 4.3501% | 3,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2380% | 3,264 |
| Loan loss allowance to noncurrent loans | 425.0572% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.2619% | 4,511 |
| Noncurrent loans to loans | 0.2913% | 4,391 |
| Net loans and leases to total assets | 65.8194% | 2,978 |
| Net loans and leases to deposits | 75.4173% | 3,287 |
| Net loans and leases to core deposits | 79.1812% | 3,396 |
| Total domestic deposits to total assets | 87.2735% | 2,063 |
| Equity capital to assets | 10.3801% | 3,638 |
| Core capital (leverage) ratio | 8.0910% | 5,726 |
| Tier 1 risk-based capital ratio | 11.6297% | 5,152 |
| Total risk-based capital ratio | 12.8279% | 5,087 |
| Memoranda: | ||
| Average total assets | $1,002,037,500 | 721 |
| Average earning assets | $904,724,000 | 731 |
| Average equity | $110,532,000 | 728 |
| Average total loans | $665,643,000 | 746 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7401% | 4,233 |
| Cost of funding earning assets | 0.2820% | 4,466 |
| Net interest margin | 3.4582% | 3,681 |
| Noninterest income to average assets | 1.2345% | 785 |
| Noninterest expense to average assets | 3.3171% | 1,686 |
| Loan and lease loss provision to assets | 0.0712% | 2,850 |
| Net operating income to assets | 0.8650% | 3,046 |
| Return on assets (ROA) | 0.8738% | 3,088 |
| Pretax return on assets | 1.0124% | 3,410 |
| Return on Equity (ROE) | 7.3022% | 3,361 |
| Retained earnings to average equity (ytd only) | 6.1103% | 1,736 |
| Net charge-offs to loans | 0.2587% | 1,169 |
| Credit loss provision to net charge-offs | 40.1206% | 3,533 |
| Earnings coverage of net charge-offs (x) | 6.0489% | 3,286 |
| Efficiency ratio | 75.1252% | 2,410 |
| Assets per employee ($millions) | 3.7178% | 4,447 |
| Cash dividends to net income (ytd only)* | 16.3221% | 3,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5358% | 1,841 |
| Loan loss allowance to noncurrent loans | 483.6679% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.2608% | 4,549 |
| Noncurrent loans to loans | 0.3175% | 4,324 |
| Net loans and leases to total assets | 65.1363% | 3,104 |
| Net loans and leases to deposits | 76.4843% | 3,196 |
| Net loans and leases to core deposits | 81.3184% | 3,217 |
| Total domestic deposits to total assets | 85.1629% | 3,014 |
| Equity capital to assets | 11.8662% | 2,058 |
| Core capital (leverage) ratio | 11.1156% | 2,293 |
| Tier 1 risk-based capital ratio | 14.9263% | 3,211 |
| Total risk-based capital ratio | 16.1787% | 3,142 |
| Memoranda: | ||
| Average total assets | $841,406,200 | 823 |
| Average earning assets | $767,865,200 | 822 |
| Average equity | $100,682,000 | 766 |
| Average total loans | $577,098,200 | 813 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8306% | 3,996 |
| Cost of funding earning assets | 0.2810% | 4,545 |
| Net interest margin | 3.5496% | 3,340 |
| Noninterest income to average assets | 1.2697% | 747 |
| Noninterest expense to average assets | 3.4482% | 1,383 |
| Loan and lease loss provision to assets | 0.0729% | 2,714 |
| Net operating income to assets | 0.8653% | 3,110 |
| Return on assets (ROA) | 0.8771% | 3,137 |
| Pretax return on assets | 1.0136% | 3,563 |
| Return on Equity (ROE) | 7.3140% | 3,457 |
| Retained earnings to average equity (ytd only) | 5.7112% | 2,433 |
| Net charge-offs to loans | 0.3091% | 865 |
| Credit loss provision to net charge-offs | 34.0569% | 3,232 |
| Earnings coverage of net charge-offs (x) | 5.0135% | 3,263 |
| Efficiency ratio | 75.8414% | 2,269 |
| Assets per employee ($millions) | 3.5048% | 4,782 |
| Cash dividends to net income (ytd only)* | 21.9138% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5205% | 2,067 |
| Loan loss allowance to noncurrent loans | 385.1165% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3244% | 4,468 |
| Noncurrent loans to loans | 0.3948% | 4,201 |
| Net loans and leases to total assets | 68.7355% | 2,578 |
| Net loans and leases to deposits | 81.1452% | 2,750 |
| Net loans and leases to core deposits | 86.5394% | 2,793 |
| Total domestic deposits to total assets | 84.7067% | 3,123 |
| Equity capital to assets | 12.1376% | 2,008 |
| Core capital (leverage) ratio | 11.0291% | 2,455 |
| Tier 1 risk-based capital ratio | 14.8513% | 3,371 |
| Total risk-based capital ratio | 16.1038% | 3,312 |
| Memoranda: | ||
| Average total assets | $832,409,500 | 841 |
| Average earning assets | $762,470,500 | 834 |
| Average equity | $99,824,250 | 772 |
| Average total loans | $576,269,000 | 815 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8330% | 3,943 |
| Cost of funding earning assets | 0.2766% | 4,650 |
| Net interest margin | 3.5564% | 3,261 |
| Noninterest income to average assets | 1.2610% | 766 |
| Noninterest expense to average assets | 3.4710% | 1,345 |
| Loan and lease loss provision to assets | 0.0694% | 2,724 |
| Net operating income to assets | 0.8622% | 3,071 |
| Return on assets (ROA) | 0.8620% | 3,173 |
| Pretax return on assets | 0.9787% | 3,665 |
| Return on Equity (ROE) | 7.2173% | 3,475 |
| Retained earnings to average equity (ytd only) | 5.2793% | 2,689 |
| Net charge-offs to loans | 0.2808% | 938 |
| Credit loss provision to net charge-offs | 35.8209% | 2,865 |
| Earnings coverage of net charge-offs (x) | 5.4080% | 2,926 |
| Efficiency ratio | 76.3551% | 2,299 |
| Assets per employee ($millions) | 3.4912% | 4,812 |
| Cash dividends to net income (ytd only)* | 26.8531% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5855% | 1,955 |
| Loan loss allowance to noncurrent loans | 325.0087% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.3626% | 4,445 |
| Noncurrent loans to loans | 0.4878% | 4,012 |
| Net loans and leases to total assets | 68.8334% | 2,513 |
| Net loans and leases to deposits | 81.9541% | 2,559 |
| Net loans and leases to core deposits | 87.5077% | 2,608 |
| Total domestic deposits to total assets | 83.9902% | 3,565 |
| Equity capital to assets | 11.8970% | 2,108 |
| Core capital (leverage) ratio | 10.8983% | 2,521 |
| Tier 1 risk-based capital ratio | 14.5803% | 3,590 |
| Total risk-based capital ratio | 15.8336% | 3,518 |
| Memoranda: | ||
| Average total assets | $829,494,330 | 850 |
| Average earning assets | $759,977,670 | 844 |
| Average equity | $99,067,000 | 780 |
| Average total loans | $572,659,000 | 821 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8009% | 4,002 |
| Cost of funding earning assets | 0.2726% | 4,754 |
| Net interest margin | 3.5283% | 3,308 |
| Noninterest income to average assets | 1.2582% | 722 |
| Noninterest expense to average assets | 3.4557% | 1,398 |
| Loan and lease loss provision to assets | 0.0630% | 2,667 |
| Net operating income to assets | 0.8627% | 2,945 |
| Return on assets (ROA) | 0.8627% | 3,060 |
| Pretax return on assets | 0.9577% | 3,657 |
| Return on Equity (ROE) | 7.2095% | 3,397 |
| Retained earnings to average equity (ytd only) | 5.2654% | 2,909 |
| Net charge-offs to loans | 0.3979% | 615 |
| Credit loss provision to net charge-offs | 23.0906% | 2,336 |
| Earnings coverage of net charge-offs (x) | 3.7407% | 2,573 |
| Efficiency ratio | 76.6999% | 2,395 |
| Assets per employee ($millions) | 3.4624% | 4,965 |
| Cash dividends to net income (ytd only)* | 26.9663% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6504% | 1,882 |
| Loan loss allowance to noncurrent loans | 252.2874% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.4953% | 4,041 |
| Noncurrent loans to loans | 0.6542% | 3,637 |
| Net loans and leases to total assets | 67.2307% | 2,570 |
| Net loans and leases to deposits | 79.2445% | 2,651 |
| Net loans and leases to core deposits | 83.8543% | 2,790 |
| Total domestic deposits to total assets | 84.8396% | 3,480 |
| Equity capital to assets | 11.9675% | 2,050 |
| Core capital (leverage) ratio | 10.8181% | 2,602 |
| Tier 1 risk-based capital ratio | 14.5941% | 3,667 |
| Total risk-based capital ratio | 15.8477% | 3,589 |
| Memoranda: | ||
| Average total assets | $825,294,500 | 853 |
| Average earning assets | $752,772,500 | 851 |
| Average equity | $98,758,500 | 784 |
| Average total loans | $565,967,000 | 826 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9328% | 4,003 |
| Cost of funding earning assets | 0.2906% | 4,883 |
| Net interest margin | 3.6422% | 3,251 |
| Noninterest income to average assets | 1.2262% | 799 |
| Noninterest expense to average assets | 3.4124% | 1,674 |
| Loan and lease loss provision to assets | 0.2089% | 1,199 |
| Net operating income to assets | 0.8444% | 3,146 |
| Return on assets (ROA) | 0.8525% | 3,202 |
| Pretax return on assets | 0.9445% | 3,716 |
| Return on Equity (ROE) | 7.3297% | 3,456 |
| Retained earnings to average equity (ytd only) | 4.4426% | 3,020 |
| Net charge-offs to loans | 0.1792% | 2,235 |
| Credit loss provision to net charge-offs | 165.2551% | 1,477 |
| Earnings coverage of net charge-offs (x) | 9.0529% | 2,800 |
| Efficiency ratio | 74.3252% | 2,784 |
| Assets per employee ($millions) | 3.4583% | 4,966 |
| Cash dividends to net income (ytd only)* | 39.3892% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7394% | 1,681 |
| Loan loss allowance to noncurrent loans | 325.9555% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.4254% | 4,401 |
| Noncurrent loans to loans | 0.5336% | 4,063 |
| Net loans and leases to total assets | 67.6026% | 2,625 |
| Net loans and leases to deposits | 79.6976% | 2,756 |
| Net loans and leases to core deposits | 84.5990% | 2,835 |
| Total domestic deposits to total assets | 84.8239% | 3,357 |
| Equity capital to assets | 11.9654% | 2,038 |
| Core capital (leverage) ratio | 10.8167% | 2,601 |
| Tier 1 risk-based capital ratio | 14.0248% | 4,070 |
| Total risk-based capital ratio | 15.2774% | 3,996 |
| Memoranda: | ||
| Average total assets | $821,911,800 | 822 |
| Average earning assets | $751,598,000 | 817 |
| Average equity | $95,597,600 | 773 |
| Average total loans | $579,730,400 | 762 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9445% | 3,992 |
| Cost of funding earning assets | 0.2934% | 4,943 |
| Net interest margin | 3.6511% | 3,219 |
| Noninterest income to average assets | 1.2234% | 814 |
| Noninterest expense to average assets | 3.4081% | 1,641 |
| Loan and lease loss provision to assets | 0.0974% | 2,419 |
| Net operating income to assets | 0.8896% | 2,959 |
| Return on assets (ROA) | 0.8997% | 3,010 |
| Pretax return on assets | 1.0728% | 3,288 |
| Return on Equity (ROE) | 7.7910% | 3,321 |
| Retained earnings to average equity (ytd only) | 4.2534% | 3,628 |
| Net charge-offs to loans | 0.1473% | 2,316 |
| Credit loss provision to net charge-offs | 93.1783% | 2,375 |
| Earnings coverage of net charge-offs (x) | 11.0775% | 2,472 |
| Efficiency ratio | 74.0743% | 2,811 |
| Assets per employee ($millions) | 3.2995% | 5,239 |
| Cash dividends to net income (ytd only)* | 45.4054% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5613% | 2,450 |
| Loan loss allowance to noncurrent loans | 264.9752% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.5424% | 4,245 |
| Noncurrent loans to loans | 0.5892% | 4,159 |
| Net loans and leases to total assets | 71.1568% | 2,000 |
| Net loans and leases to deposits | 85.3200% | 1,990 |
| Net loans and leases to core deposits | 91.0327% | 2,113 |
| Total domestic deposits to total assets | 83.4000% | 3,994 |
| Equity capital to assets | 12.0569% | 2,008 |
| Core capital (leverage) ratio | 10.7066% | 2,812 |
| Tier 1 risk-based capital ratio | 13.7000% | 4,417 |
| Total risk-based capital ratio | 14.9526% | 4,352 |
| Memoranda: | ||
| Average total assets | $822,486,500 | 823 |
| Average earning assets | $753,066,250 | 816 |
| Average equity | $94,979,500 | 775 |
| Average total loans | $583,691,000 | 752 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9277% | 4,026 |
| Cost of funding earning assets | 0.2950% | 5,017 |
| Net interest margin | 3.6328% | 3,220 |
| Noninterest income to average assets | 1.2196% | 787 |
| Noninterest expense to average assets | 3.3657% | 1,768 |
| Loan and lease loss provision to assets | 0.1198% | 2,054 |
| Net operating income to assets | 0.8830% | 2,898 |
| Return on assets (ROA) | 0.8958% | 2,929 |
| Pretax return on assets | 1.0651% | 3,226 |
| Return on Equity (ROE) | 7.8699% | 3,177 |
| Retained earnings to average equity (ytd only) | 4.3062% | 3,431 |
| Net charge-offs to loans | 0.1712% | 2,025 |
| Credit loss provision to net charge-offs | 99.2000% | 2,034 |
| Earnings coverage of net charge-offs (x) | 9.6880% | 2,332 |
| Efficiency ratio | 73.6517% | 3,034 |
| Assets per employee ($millions) | 3.3858% | 5,086 |
| Cash dividends to net income (ytd only)* | 45.2830% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5586% | 2,632 |
| Loan loss allowance to noncurrent loans | 345.5509% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.4157% | 4,763 |
| Noncurrent loans to loans | 0.4510% | 4,636 |
| Net loans and leases to total assets | 70.6409% | 1,976 |
| Net loans and leases to deposits | 85.5275% | 1,866 |
| Net loans and leases to core deposits | 90.5251% | 2,075 |
| Total domestic deposits to total assets | 82.5944% | 4,449 |
| Equity capital to assets | 11.7438% | 2,209 |
| Core capital (leverage) ratio | 10.4809% | 2,974 |
| Tier 1 risk-based capital ratio | 13.7319% | 4,425 |
| Total risk-based capital ratio | 14.9849% | 4,372 |
| Memoranda: | ||
| Average total assets | $828,286,000 | 825 |
| Average earning assets | $756,007,330 | 813 |
| Average equity | $94,283,000 | 772 |
| Average total loans | $584,267,670 | 750 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9272% | 3,979 |
| Cost of funding earning assets | 0.3072% | 4,994 |
| Net interest margin | 3.6200% | 3,170 |
| Noninterest income to average assets | 1.2099% | 756 |
| Noninterest expense to average assets | 3.3177% | 1,905 |
| Loan and lease loss provision to assets | 0.1893% | 1,255 |
| Net operating income to assets | 0.8691% | 2,800 |
| Return on assets (ROA) | 0.8792% | 2,816 |
| Pretax return on assets | 1.0071% | 3,297 |
| Return on Equity (ROE) | 7.8451% | 3,020 |
| Retained earnings to average equity (ytd only) | 4.2519% | 3,580 |
| Net charge-offs to loans | 0.0158% | 3,276 |
| Credit loss provision to net charge-offs | 1,717.3913% | 197 |
| Earnings coverage of net charge-offs (x) | 107.4783% | 432 |
| Efficiency ratio | 73.1289% | 3,291 |
| Assets per employee ($millions) | 3.4126% | 5,125 |
| Cash dividends to net income (ytd only)* | 45.8015% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6267% | 2,593 |
| Loan loss allowance to noncurrent loans | 472.5012% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.3966% | 4,953 |
| Noncurrent loans to loans | 0.3443% | 5,080 |
| Net loans and leases to total assets | 70.1594% | 1,861 |
| Net loans and leases to deposits | 82.8942% | 1,960 |
| Net loans and leases to core deposits | 88.0204% | 2,093 |
| Total domestic deposits to total assets | 84.6374% | 4,027 |
| Equity capital to assets | 11.4961% | 2,249 |
| Core capital (leverage) ratio | 10.2219% | 3,259 |
| Tier 1 risk-based capital ratio | 13.5541% | 4,646 |
| Total risk-based capital ratio | 14.8080% | 4,584 |
| Memoranda: | ||
| Average total assets | $834,440,000 | 817 |
| Average earning assets | $759,011,000 | 820 |
| Average equity | $93,511,000 | 779 |
| Average total loans | $583,631,500 | 748 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0313% | 3,977 |
| Cost of funding earning assets | 0.3929% | 4,730 |
| Net interest margin | 3.6383% | 3,291 |
| Noninterest income to average assets | 1.1966% | 985 |
| Noninterest expense to average assets | 3.3471% | 2,010 |
| Loan and lease loss provision to assets | 0.2236% | 1,628 |
| Net operating income to assets | 0.8202% | 3,189 |
| Return on assets (ROA) | 0.8397% | 3,167 |
| Pretax return on assets | 0.9903% | 3,389 |
| Return on Equity (ROE) | 7.5072% | 3,292 |
| Retained earnings to average equity (ytd only) | 4.0074% | 3,341 |
| Net charge-offs to loans | 0.3307% | 2,027 |
| Credit loss provision to net charge-offs | 100.8170% | 2,393 |
| Earnings coverage of net charge-offs (x) | 5.3693% | 3,319 |
| Efficiency ratio | 73.1431% | 3,270 |
| Assets per employee ($millions) | 3.5708% | 4,759 |
| Cash dividends to net income (ytd only)* | 46.6187% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5655% | 2,902 |
| Loan loss allowance to noncurrent loans | 480.9800% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.4238% | 4,981 |
| Noncurrent loans to loans | 0.3255% | 5,208 |
| Net loans and leases to total assets | 67.5420% | 2,428 |
| Net loans and leases to deposits | 79.4009% | 2,537 |
| Net loans and leases to core deposits | 84.2508% | 2,649 |
| Total domestic deposits to total assets | 85.0645% | 3,707 |
| Equity capital to assets | 10.9273% | 2,680 |
| Core capital (leverage) ratio | 10.2000% | 3,295 |
| Tier 1 risk-based capital ratio | 13.4040% | 4,717 |
| Total risk-based capital ratio | 14.6569% | 4,664 |
| Memoranda: | ||
| Average total assets | $827,695,800 | 800 |
| Average earning assets | $760,183,600 | 786 |
| Average equity | $92,577,600 | 757 |
| Average total loans | $555,265,800 | 756 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0557% | 3,910 |
| Cost of funding earning assets | 0.4110% | 4,713 |
| Net interest margin | 3.6447% | 3,256 |
| Noninterest income to average assets | 1.1860% | 1,041 |
| Noninterest expense to average assets | 3.2741% | 2,131 |
| Loan and lease loss provision to assets | 0.1649% | 2,199 |
| Net operating income to assets | 0.9090% | 2,787 |
| Return on assets (ROA) | 0.9299% | 2,797 |
| Pretax return on assets | 1.1320% | 2,973 |
| Return on Equity (ROE) | 8.2645% | 2,993 |
| Retained earnings to average equity (ytd only) | 4.9783% | 3,103 |
| Net charge-offs to loans | 0.3543% | 1,776 |
| Credit loss provision to net charge-offs | 69.8010% | 3,078 |
| Earnings coverage of net charge-offs (x) | 5.3809% | 3,206 |
| Efficiency ratio | 71.3975% | 3,533 |
| Assets per employee ($millions) | 3.3659% | 5,142 |
| Cash dividends to net income (ytd only)* | 39.7628% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4994% | 3,457 |
| Loan loss allowance to noncurrent loans | 243.2417% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.4717% | 5,014 |
| Noncurrent loans to loans | 0.6164% | 4,664 |
| Net loans and leases to total assets | 69.6691% | 2,022 |
| Net loans and leases to deposits | 83.4670% | 1,946 |
| Net loans and leases to core deposits | 88.6956% | 2,113 |
| Total domestic deposits to total assets | 83.4690% | 4,391 |
| Equity capital to assets | 11.3559% | 2,423 |
| Core capital (leverage) ratio | 10.2020% | 3,398 |
| Tier 1 risk-based capital ratio | 13.5807% | 4,704 |
| Total risk-based capital ratio | 14.8332% | 4,663 |
| Memoranda: | ||
| Average total assets | $822,154,500 | 812 |
| Average earning assets | $757,825,000 | 798 |
| Average equity | $92,505,250 | 761 |
| Average total loans | $548,296,750 | 765 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0508% | 3,923 |
| Cost of funding earning assets | 0.4211% | 4,744 |
| Net interest margin | 3.6296% | 3,248 |
| Noninterest income to average assets | 1.1780% | 1,092 |
| Noninterest expense to average assets | 3.2534% | 2,207 |
| Loan and lease loss provision to assets | 0.1639% | 2,281 |
| Net operating income to assets | 0.9041% | 2,772 |
| Return on assets (ROA) | 0.9294% | 2,802 |
| Pretax return on assets | 1.1363% | 2,940 |
| Return on Equity (ROE) | 8.2853% | 2,951 |
| Retained earnings to average equity (ytd only) | 5.1678% | 2,947 |
| Net charge-offs to loans | 0.4054% | 1,595 |
| Credit loss provision to net charge-offs | 61.8698% | 2,982 |
| Earnings coverage of net charge-offs (x) | 4.7910% | 3,032 |
| Efficiency ratio | 71.2629% | 3,600 |
| Assets per employee ($millions) | 3.4507% | 4,957 |
| Cash dividends to net income (ytd only)* | 37.6274% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5203% | 3,486 |
| Loan loss allowance to noncurrent loans | 353.7210% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.3507% | 5,432 |
| Noncurrent loans to loans | 0.4298% | 5,188 |
| Net loans and leases to total assets | 68.0349% | 2,222 |
| Net loans and leases to deposits | 82.9076% | 1,940 |
| Net loans and leases to core deposits | 87.8419% | 2,124 |
| Total domestic deposits to total assets | 82.0611% | 5,041 |
| Equity capital to assets | 11.0667% | 2,691 |
| Core capital (leverage) ratio | 9.9518% | 3,584 |
| Tier 1 risk-based capital ratio | 13.3465% | 4,882 |
| Total risk-based capital ratio | 14.5988% | 4,826 |
| Memoranda: | ||
| Average total assets | $823,571,330 | 806 |
| Average earning assets | $758,918,330 | 797 |
| Average equity | $92,380,330 | 763 |
| Average total loans | $538,229,000 | 777 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0270% | 4,007 |
| Cost of funding earning assets | 0.4301% | 4,806 |
| Net interest margin | 3.5969% | 3,278 |
| Noninterest income to average assets | 1.1441% | 1,140 |
| Noninterest expense to average assets | 3.1926% | 2,377 |
| Loan and lease loss provision to assets | 0.1671% | 2,188 |
| Net operating income to assets | 0.8718% | 2,795 |
| Return on assets (ROA) | 0.8957% | 2,825 |
| Pretax return on assets | 1.1300% | 2,848 |
| Return on Equity (ROE) | 7.9314% | 3,014 |
| Retained earnings to average equity (ytd only) | 5.3437% | 3,028 |
| Net charge-offs to loans | 0.2901% | 1,804 |
| Credit loss provision to net charge-offs | 90.7407% | 2,013 |
| Earnings coverage of net charge-offs (x) | 6.8810% | 2,150 |
| Efficiency ratio | 70.8060% | 3,821 |
| Assets per employee ($millions) | 3.3998% | 5,201 |
| Cash dividends to net income (ytd only)* | 32.6264% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6855% | 3,072 |
| Loan loss allowance to noncurrent loans | 607.6975% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.3129% | 5,643 |
| Noncurrent loans to loans | 0.2774% | 5,709 |
| Net loans and leases to total assets | 64.9030% | 2,553 |
| Net loans and leases to deposits | 79.3605% | 2,167 |
| Net loans and leases to core deposits | 83.4016% | 2,407 |
| Total domestic deposits to total assets | 81.7825% | 5,273 |
| Equity capital to assets | 11.4119% | 2,503 |
| Core capital (leverage) ratio | 9.8925% | 3,538 |
| Tier 1 risk-based capital ratio | 13.6109% | 4,785 |
| Total risk-based capital ratio | 14.8648% | 4,749 |
| Memoranda: | ||
| Average total assets | $821,272,500 | 816 |
| Average earning assets | $756,986,000 | 810 |
| Average equity | $92,745,000 | 769 |
| Average total loans | $521,272,500 | 807 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1499% | 4,774 |
| Cost of funding earning assets | 0.5353% | 4,950 |
| Net interest margin | 3.6146% | 4,022 |
| Noninterest income to average assets | 1.1810% | 1,127 |
| Noninterest expense to average assets | 3.2890% | 2,372 |
| Loan and lease loss provision to assets | 0.2720% | 2,471 |
| Net operating income to assets | 0.7975% | 3,297 |
| Return on assets (ROA) | 0.8407% | 3,346 |
| Pretax return on assets | 0.9999% | 3,547 |
| Return on Equity (ROE) | 7.5774% | 3,303 |
| Retained earnings to average equity (ytd only) | 5.5293% | 2,361 |
| Net charge-offs to loans | 0.2835% | 3,244 |
| Credit loss provision to net charge-offs | 161.2245% | 1,667 |
| Earnings coverage of net charge-offs (x) | 7.2347% | 2,652 |
| Efficiency ratio | 72.0491% | 3,404 |
| Assets per employee ($millions) | 3.4731% | 5,063 |
| Cash dividends to net income (ytd only)* | 27.0294% | 3,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8087% | 2,559 |
| Loan loss allowance to noncurrent loans | 270.3649% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.9595% | 4,109 |
| Noncurrent loans to loans | 0.6690% | 4,859 |
| Net loans and leases to total assets | 59.8571% | 3,628 |
| Net loans and leases to deposits | 70.9899% | 3,562 |
| Net loans and leases to core deposits | 74.6534% | 3,700 |
| Total domestic deposits to total assets | 84.3179% | 4,174 |
| Equity capital to assets | 11.1753% | 2,763 |
| Core capital (leverage) ratio | 9.9198% | 3,515 |
| Tier 1 risk-based capital ratio | 13.6509% | 4,641 |
| Total risk-based capital ratio | 14.9053% | 4,583 |
| Memoranda: | ||
| Average total assets | $813,282,800 | 812 |
| Average earning assets | $748,912,400 | 796 |
| Average equity | $90,228,600 | 772 |
| Average total loans | $483,958,800 | 851 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2016% | 4,811 |
| Cost of funding earning assets | 0.5586% | 5,011 |
| Net interest margin | 3.6430% | 4,039 |
| Noninterest income to average assets | 1.2065% | 1,037 |
| Noninterest expense to average assets | 3.2144% | 2,518 |
| Loan and lease loss provision to assets | 0.2836% | 2,301 |
| Net operating income to assets | 0.8475% | 3,226 |
| Return on assets (ROA) | 0.8904% | 3,265 |
| Pretax return on assets | 1.1243% | 3,255 |
| Return on Equity (ROE) | 8.0406% | 3,272 |
| Retained earnings to average equity (ytd only) | 6.1854% | 2,576 |
| Net charge-offs to loans | 0.2959% | 2,955 |
| Credit loss provision to net charge-offs | 162.0884% | 1,716 |
| Earnings coverage of net charge-offs (x) | 7.7356% | 2,561 |
| Efficiency ratio | 69.4883% | 3,789 |
| Assets per employee ($millions) | 3.3757% | 5,267 |
| Cash dividends to net income (ytd only)* | 23.0727% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8145% | 2,750 |
| Loan loss allowance to noncurrent loans | 574.9035% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.7496% | 4,819 |
| Noncurrent loans to loans | 0.3156% | 5,850 |
| Net loans and leases to total assets | 60.6822% | 3,637 |
| Net loans and leases to deposits | 72.8332% | 3,470 |
| Net loans and leases to core deposits | 76.7146% | 3,642 |
| Total domestic deposits to total assets | 83.3168% | 4,512 |
| Equity capital to assets | 11.5791% | 2,668 |
| Core capital (leverage) ratio | 9.9611% | 3,595 |
| Tier 1 risk-based capital ratio | 14.0864% | 4,465 |
| Total risk-based capital ratio | 15.3413% | 4,423 |
| Memoranda: | ||
| Average total assets | $809,956,000 | 818 |
| Average earning assets | $747,387,000 | 807 |
| Average equity | $89,692,250 | 781 |
| Average total loans | $478,976,750 | 867 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2100% | 4,913 |
| Cost of funding earning assets | 0.5811% | 5,063 |
| Net interest margin | 3.6288% | 4,147 |
| Noninterest income to average assets | 1.1309% | 1,115 |
| Noninterest expense to average assets | 3.1695% | 2,693 |
| Loan and lease loss provision to assets | 0.3048% | 2,160 |
| Net operating income to assets | 0.8039% | 3,383 |
| Return on assets (ROA) | 0.8669% | 3,322 |
| Pretax return on assets | 1.0744% | 3,395 |
| Return on Equity (ROE) | 7.9468% | 3,282 |
| Retained earnings to average equity (ytd only) | 6.4880% | 2,390 |
| Net charge-offs to loans | 0.3654% | 2,551 |
| Credit loss provision to net charge-offs | 143.1373% | 1,930 |
| Earnings coverage of net charge-offs (x) | 6.1119% | 2,695 |
| Efficiency ratio | 69.9973% | 3,765 |
| Assets per employee ($millions) | 3.5019% | 4,980 |
| Cash dividends to net income (ytd only)* | 18.3569% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7433% | 3,056 |
| Loan loss allowance to noncurrent loans | 325.9706% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.8978% | 4,578 |
| Noncurrent loans to loans | 0.5348% | 5,452 |
| Net loans and leases to total assets | 60.5163% | 3,733 |
| Net loans and leases to deposits | 72.3104% | 3,563 |
| Net loans and leases to core deposits | 76.0675% | 3,764 |
| Total domestic deposits to total assets | 83.6897% | 4,445 |
| Equity capital to assets | 11.2107% | 2,886 |
| Core capital (leverage) ratio | 9.5931% | 4,011 |
| Tier 1 risk-based capital ratio | 13.1633% | 5,066 |
| Total risk-based capital ratio | 14.4165% | 5,042 |
| Memoranda: | ||
| Average total assets | $814,385,330 | 817 |
| Average earning assets | $749,551,670 | 800 |
| Average equity | $88,840,670 | 781 |
| Average total loans | $474,512,330 | 872 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1882% | 5,150 |
| Cost of funding earning assets | 0.6179% | 4,981 |
| Net interest margin | 3.5703% | 4,393 |
| Noninterest income to average assets | 1.0966% | 1,187 |
| Noninterest expense to average assets | 3.1014% | 2,912 |
| Loan and lease loss provision to assets | 0.3463% | 1,803 |
| Net operating income to assets | 0.7897% | 3,425 |
| Return on assets (ROA) | 0.7967% | 3,632 |
| Pretax return on assets | 0.9398% | 3,902 |
| Return on Equity (ROE) | 7.4041% | 3,559 |
| Retained earnings to average equity (ytd only) | 5.9333% | 2,996 |
| Net charge-offs to loans | 0.4132% | 2,065 |
| Credit loss provision to net charge-offs | 148.0167% | 1,690 |
| Earnings coverage of net charge-offs (x) | 5.4614% | 2,367 |
| Efficiency ratio | 69.9163% | 3,830 |
| Assets per employee ($millions) | 3.5074% | 5,104 |
| Cash dividends to net income (ytd only)* | 19.8651% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8437% | 2,859 |
| Loan loss allowance to noncurrent loans | 335.1991% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.9041% | 4,714 |
| Noncurrent loans to loans | 0.5500% | 5,560 |
| Net loans and leases to total assets | 56.3675% | 4,318 |
| Net loans and leases to deposits | 69.9545% | 3,743 |
| Net loans and leases to core deposits | 73.0788% | 4,009 |
| Total domestic deposits to total assets | 80.5773% | 5,707 |
| Equity capital to assets | 11.0178% | 2,888 |
| Core capital (leverage) ratio | 9.0668% | 4,738 |
| Tier 1 risk-based capital ratio | 13.3606% | 4,927 |
| Total risk-based capital ratio | 14.6141% | 4,917 |
| Memoranda: | ||
| Average total assets | $818,859,500 | 811 |
| Average earning assets | $752,878,000 | 803 |
| Average equity | $88,113,500 | 788 |
| Average total loans | $463,734,000 | 885 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1803% | 6,110 |
| Cost of funding earning assets | 0.8435% | 4,518 |
| Net interest margin | 3.3368% | 5,701 |
| Noninterest income to average assets | 1.1323% | 1,022 |
| Noninterest expense to average assets | 2.9488% | 3,774 |
| Loan and lease loss provision to assets | 0.4457% | 2,372 |
| Net operating income to assets | 0.6734% | 3,612 |
| Return on assets (ROA) | 0.6804% | 3,771 |
| Pretax return on assets | 0.8422% | 3,812 |
| Return on Equity (ROE) | 6.8176% | 3,482 |
| Retained earnings to average equity (ytd only) | 4.5447% | 2,940 |
| Net charge-offs to loans | 0.7443% | 2,291 |
| Credit loss provision to net charge-offs | 108.0370% | 3,125 |
| Earnings coverage of net charge-offs (x) | 3.1012% | 3,652 |
| Efficiency ratio | 68.4757% | 4,257 |
| Assets per employee ($millions) | 3.6602% | 4,640 |
| Cash dividends to net income (ytd only)* | 33.3392% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7747% | 2,949 |
| Loan loss allowance to noncurrent loans | 596.9697% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.8295% | 4,969 |
| Noncurrent loans to loans | 0.2973% | 6,130 |
| Net loans and leases to total assets | 54.8755% | 4,900 |
| Net loans and leases to deposits | 69.1933% | 4,245 |
| Net loans and leases to core deposits | 72.3584% | 4,462 |
| Total domestic deposits to total assets | 79.3076% | 5,913 |
| Equity capital to assets | 10.5129% | 3,526 |
| Core capital (leverage) ratio | 9.1475% | 4,554 |
| Tier 1 risk-based capital ratio | 13.1296% | 4,971 |
| Total risk-based capital ratio | 14.3826% | 4,943 |
| Memoranda: | ||
| Average total assets | $838,485,200 | 778 |
| Average earning assets | $777,931,600 | 758 |
| Average equity | $83,680,200 | 801 |
| Average total loans | $464,755,600 | 899 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1697% | 6,275 |
| Cost of funding earning assets | 0.8972% | 4,419 |
| Net interest margin | 3.2726% | 5,943 |
| Noninterest income to average assets | 1.1100% | 1,083 |
| Noninterest expense to average assets | 2.8889% | 3,981 |
| Loan and lease loss provision to assets | 0.4128% | 2,399 |
| Net operating income to assets | 0.6968% | 3,637 |
| Return on assets (ROA) | 0.7060% | 3,750 |
| Pretax return on assets | 0.8693% | 3,881 |
| Return on Equity (ROE) | 7.1691% | 3,443 |
| Retained earnings to average equity (ytd only) | 5.2240% | 3,045 |
| Net charge-offs to loans | 0.4157% | 3,063 |
| Credit loss provision to net charge-offs | 179.4890% | 1,660 |
| Earnings coverage of net charge-offs (x) | 5.5255% | 2,761 |
| Efficiency ratio | 67.9725% | 4,321 |
| Assets per employee ($millions) | 3.5803% | 4,806 |
| Cash dividends to net income (ytd only)* | 27.1316% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9692% | 2,419 |
| Loan loss allowance to noncurrent loans | 213.6650% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 1.1608% | 4,465 |
| Noncurrent loans to loans | 0.9216% | 5,037 |
| Net loans and leases to total assets | 55.7823% | 4,876 |
| Net loans and leases to deposits | 71.6676% | 4,032 |
| Net loans and leases to core deposits | 75.0401% | 4,318 |
| Total domestic deposits to total assets | 77.8347% | 6,218 |
| Equity capital to assets | 10.6016% | 3,571 |
| Core capital (leverage) ratio | 8.9753% | 4,972 |
| Tier 1 risk-based capital ratio | 13.2954% | 4,879 |
| Total risk-based capital ratio | 14.5508% | 4,848 |
| Memoranda: | ||
| Average total assets | $839,475,250 | 786 |
| Average earning assets | $782,282,000 | 765 |
| Average equity | $82,667,000 | 818 |
| Average total loans | $464,388,500 | 914 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1494% | 6,388 |
| Cost of funding earning assets | 0.9407% | 4,388 |
| Net interest margin | 3.2088% | 6,135 |
| Noninterest income to average assets | 1.1029% | 1,066 |
| Noninterest expense to average assets | 2.8810% | 4,098 |
| Loan and lease loss provision to assets | 0.4070% | 2,398 |
| Net operating income to assets | 0.6754% | 3,666 |
| Return on assets (ROA) | 0.6853% | 3,744 |
| Pretax return on assets | 0.8192% | 3,951 |
| Return on Equity (ROE) | 7.1348% | 3,386 |
| Retained earnings to average equity (ytd only) | 5.5275% | 2,680 |
| Net charge-offs to loans | 0.2481% | 3,635 |
| Credit loss provision to net charge-offs | 299.3056% | 1,024 |
| Earnings coverage of net charge-offs (x) | 8.9306% | 1,985 |
| Efficiency ratio | 68.8610% | 4,353 |
| Assets per employee ($millions) | 3.7087% | 4,419 |
| Cash dividends to net income (ytd only)* | 22.5284% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9465% | 2,523 |
| Loan loss allowance to noncurrent loans | 148.9736% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 1.2890% | 4,322 |
| Noncurrent loans to loans | 1.3066% | 4,461 |
| Net loans and leases to total assets | 56.1981% | 4,964 |
| Net loans and leases to deposits | 72.6456% | 4,017 |
| Net loans and leases to core deposits | 76.2543% | 4,281 |
| Total domestic deposits to total assets | 77.3592% | 6,404 |
| Equity capital to assets | 10.3082% | 3,739 |
| Core capital (leverage) ratio | 8.6446% | 5,317 |
| Tier 1 risk-based capital ratio | 13.0009% | 4,914 |
| Total risk-based capital ratio | 14.2561% | 4,892 |
| Memoranda: | ||
| Average total assets | $847,197,330 | 785 |
| Average earning assets | $790,084,330 | 764 |
| Average equity | $81,375,330 | 826 |
| Average total loans | $464,350,330 | 931 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0616% | 6,578 |
| Cost of funding earning assets | 0.9714% | 4,413 |
| Net interest margin | 3.0902% | 6,372 |
| Noninterest income to average assets | 1.0202% | 1,269 |
| Noninterest expense to average assets | 2.8656% | 4,213 |
| Loan and lease loss provision to assets | 0.2815% | 2,894 |
| Net operating income to assets | 0.5664% | 4,204 |
| Return on assets (ROA) | 0.5784% | 4,218 |
| Pretax return on assets | 0.7773% | 3,979 |
| Return on Equity (ROE) | 6.2392% | 3,762 |
| Retained earnings to average equity (ytd only) | 5.4874% | 2,913 |
| Net charge-offs to loans | 0.2764% | 2,963 |
| Credit loss provision to net charge-offs | 189.9687% | 1,554 |
| Earnings coverage of net charge-offs (x) | 7.0345% | 2,012 |
| Efficiency ratio | 71.7903% | 3,914 |
| Assets per employee ($millions) | 3.9134% | 4,042 |
| Cash dividends to net income (ytd only)* | 12.0482% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7654% | 3,114 |
| Loan loss allowance to noncurrent loans | 155.6955% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.6351% | 5,683 |
| Noncurrent loans to loans | 1.1339% | 4,810 |
| Net loans and leases to total assets | 53.5340% | 5,377 |
| Net loans and leases to deposits | 69.1807% | 4,500 |
| Net loans and leases to core deposits | 73.2879% | 4,618 |
| Total domestic deposits to total assets | 77.3828% | 6,469 |
| Equity capital to assets | 9.3839% | 4,600 |
| Core capital (leverage) ratio | 8.2008% | 5,966 |
| Tier 1 risk-based capital ratio | 12.4312% | 5,329 |
| Total risk-based capital ratio | 13.6832% | 5,305 |
| Memoranda: | ||
| Average total assets | $860,983,000 | 775 |
| Average earning assets | $804,618,000 | 760 |
| Average equity | $79,818,500 | 834 |
| Average total loans | $461,646,500 | 949 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3045% | 6,785 |
| Cost of funding earning assets | 1.1457% | 4,879 |
| Net interest margin | 3.1588% | 6,367 |
| Noninterest income to average assets | 1.2627% | 927 |
| Noninterest expense to average assets | 2.8608% | 4,374 |
| Loan and lease loss provision to assets | 0.4264% | 3,557 |
| Net operating income to assets | 0.6254% | 3,560 |
| Return on assets (ROA) | 0.6308% | 3,689 |
| Pretax return on assets | 0.9109% | 3,243 |
| Return on Equity (ROE) | 6.6792% | 3,266 |
| Retained earnings to average equity (ytd only) | 5.6627% | 2,009 |
| Net charge-offs to loans | 0.6148% | 3,192 |
| Credit loss provision to net charge-offs | 122.4078% | 3,417 |
| Earnings coverage of net charge-offs (x) | 3.8166% | 3,173 |
| Efficiency ratio | 66.5915% | 4,845 |
| Assets per employee ($millions) | 3.8610% | 4,108 |
| Cash dividends to net income (ytd only)* | 15.2191% | 3,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7608% | 2,989 |
| Loan loss allowance to noncurrent loans | 254.4066% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.4201% | 6,226 |
| Noncurrent loans to loans | 0.6921% | 5,662 |
| Net loans and leases to total assets | 51.8124% | 5,937 |
| Net loans and leases to deposits | 66.8814% | 5,280 |
| Net loans and leases to core deposits | 71.3111% | 5,294 |
| Total domestic deposits to total assets | 77.4691% | 6,406 |
| Equity capital to assets | 9.1574% | 4,906 |
| Core capital (leverage) ratio | 8.3359% | 5,632 |
| Tier 1 risk-based capital ratio | 12.0621% | 5,414 |
| Total risk-based capital ratio | 13.3141% | 5,398 |
| Memoranda: | ||
| Average total assets | $825,046,400 | 817 |
| Average earning assets | $764,665,000 | 796 |
| Average equity | $77,913,200 | 846 |
| Average total loans | $467,455,000 | 966 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3520% | 6,892 |
| Cost of funding earning assets | 1.1800% | 4,981 |
| Net interest margin | 3.1720% | 6,430 |
| Noninterest income to average assets | 1.2398% | 891 |
| Noninterest expense to average assets | 2.8849% | 4,152 |
| Loan and lease loss provision to assets | 0.3374% | 3,907 |
| Net operating income to assets | 0.6556% | 3,624 |
| Return on assets (ROA) | 0.6583% | 3,771 |
| Pretax return on assets | 0.9540% | 3,351 |
| Return on Equity (ROE) | 6.9154% | 3,384 |
| Retained earnings to average equity (ytd only) | 6.9154% | 1,895 |
| Net charge-offs to loans | 0.5010% | 3,275 |
| Credit loss provision to net charge-offs | 116.7326% | 3,562 |
| Earnings coverage of net charge-offs (x) | 4.4545% | 3,039 |
| Efficiency ratio | 67.5882% | 4,545 |
| Assets per employee ($millions) | 3.6603% | 4,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6500% | 3,332 |
| Loan loss allowance to noncurrent loans | 170.4100% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.5555% | 6,039 |
| Noncurrent loans to loans | 0.9683% | 5,300 |
| Net loans and leases to total assets | 55.3517% | 5,646 |
| Net loans and leases to deposits | 71.2469% | 4,960 |
| Net loans and leases to core deposits | 76.9835% | 4,922 |
| Total domestic deposits to total assets | 77.6899% | 6,319 |
| Equity capital to assets | 9.9005% | 4,288 |
| Core capital (leverage) ratio | 8.4272% | 5,649 |
| Tier 1 risk-based capital ratio | 12.1721% | 5,299 |
| Total risk-based capital ratio | 13.4236% | 5,264 |
| Memoranda: | ||
| Average total assets | $816,055,500 | 832 |
| Average earning assets | $754,459,750 | 812 |
| Average equity | $77,680,000 | 855 |
| Average total loans | $470,792,250 | 966 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3758% | 6,948 |
| Cost of funding earning assets | 1.1971% | 5,145 |
| Net interest margin | 3.1787% | 6,384 |
| Noninterest income to average assets | 1.1372% | 1,009 |
| Noninterest expense to average assets | 2.8571% | 4,237 |
| Loan and lease loss provision to assets | 0.3051% | 3,951 |
| Net operating income to assets | 0.6258% | 3,755 |
| Return on assets (ROA) | 0.6284% | 3,879 |
| Pretax return on assets | 0.9111% | 3,450 |
| Return on Equity (ROE) | 6.6916% | 3,443 |
| Retained earnings to average equity (ytd only) | 6.6916% | 1,980 |
| Net charge-offs to loans | 0.4095% | 3,347 |
| Credit loss provision to net charge-offs | 128.0702% | 3,141 |
| Earnings coverage of net charge-offs (x) | 5.0898% | 2,750 |
| Efficiency ratio | 68.6118% | 4,456 |
| Assets per employee ($millions) | 3.6100% | 4,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6278% | 3,333 |
| Loan loss allowance to noncurrent loans | 222.5985% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.5314% | 6,144 |
| Noncurrent loans to loans | 0.7313% | 5,791 |
| Net loans and leases to total assets | 56.7238% | 5,593 |
| Net loans and leases to deposits | 73.4540% | 4,761 |
| Net loans and leases to core deposits | 78.7463% | 4,842 |
| Total domestic deposits to total assets | 77.2236% | 6,443 |
| Equity capital to assets | 9.8003% | 4,265 |
| Core capital (leverage) ratio | 8.3647% | 5,642 |
| Tier 1 risk-based capital ratio | 12.2352% | 5,090 |
| Total risk-based capital ratio | 13.4871% | 5,063 |
| Memoranda: | ||
| Average total assets | $813,553,670 | 838 |
| Average earning assets | $750,498,000 | 819 |
| Average equity | $76,394,330 | 861 |
| Average total loans | $473,222,000 | 971 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3855% | 7,015 |
| Cost of funding earning assets | 1.2127% | 5,332 |
| Net interest margin | 3.1728% | 6,374 |
| Noninterest income to average assets | 1.0818% | 1,085 |
| Noninterest expense to average assets | 2.7895% | 4,519 |
| Loan and lease loss provision to assets | 0.3115% | 3,552 |
| Net operating income to assets | 0.6081% | 3,858 |
| Return on assets (ROA) | 0.6131% | 3,986 |
| Pretax return on assets | 0.9059% | 3,446 |
| Return on Equity (ROE) | 6.6747% | 3,531 |
| Retained earnings to average equity (ytd only) | 6.6747% | 2,289 |
| Net charge-offs to loans | 0.5248% | 2,494 |
| Credit loss provision to net charge-offs | 101.6026% | 3,346 |
| Earnings coverage of net charge-offs (x) | 3.9471% | 2,739 |
| Efficiency ratio | 68.1243% | 4,700 |
| Assets per employee ($millions) | 3.6313% | 4,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5555% | 3,637 |
| Loan loss allowance to noncurrent loans | 239.4925% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.6111% | 5,993 |
| Noncurrent loans to loans | 0.6495% | 6,026 |
| Net loans and leases to total assets | 58.0562% | 5,429 |
| Net loans and leases to deposits | 74.9533% | 4,591 |
| Net loans and leases to core deposits | 80.4372% | 4,709 |
| Total domestic deposits to total assets | 77.4565% | 6,457 |
| Equity capital to assets | 9.5035% | 4,527 |
| Core capital (leverage) ratio | 7.9689% | 6,279 |
| Tier 1 risk-based capital ratio | 11.8010% | 5,394 |
| Total risk-based capital ratio | 13.0541% | 5,334 |
| Memoranda: | ||
| Average total assets | $814,201,500 | 849 |
| Average earning assets | $748,741,000 | 840 |
| Average equity | $74,789,500 | 881 |
| Average total loans | $475,649,000 | 993 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6971% | 7,142 |
| Cost of funding earning assets | 1.4721% | 5,625 |
| Net interest margin | 3.2251% | 6,009 |
| Noninterest income to average assets | 1.4191% | 726 |
| Noninterest expense to average assets | 3.1843% | 3,428 |
| Loan and lease loss provision to assets | 0.7938% | 2,751 |
| Net operating income to assets | 0.3027% | 4,527 |
| Return on assets (ROA) | 0.5712% | 3,514 |
| Pretax return on assets | 0.7776% | 3,313 |
| Return on Equity (ROE) | 5.6769% | 3,344 |
| Retained earnings to average equity (ytd only) | 3.6083% | 2,658 |
| Net charge-offs to loans | 0.8131% | 2,795 |
| Credit loss provision to net charge-offs | 154.3384% | 2,956 |
| Earnings coverage of net charge-offs (x) | 2.3402% | 3,974 |
| Efficiency ratio | 71.4218% | 4,367 |
| Assets per employee ($millions) | 4.0091% | 3,800 |
| Cash dividends to net income (ytd only)* | 36.4391% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5380% | 3,537 |
| Loan loss allowance to noncurrent loans | 181.8452% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.6322% | 5,883 |
| Noncurrent loans to loans | 0.8458% | 5,598 |
| Net loans and leases to total assets | 56.9901% | 5,820 |
| Net loans and leases to deposits | 72.4111% | 5,271 |
| Net loans and leases to core deposits | 83.3742% | 5,779 |
| Total domestic deposits to total assets | 78.7036% | 6,066 |
| Equity capital to assets | 8.8767% | 5,314 |
| Core capital (leverage) ratio | 8.6315% | 5,049 |
| Tier 1 risk-based capital ratio | 11.1624% | 5,764 |
| Total risk-based capital ratio | 12.4135% | 5,719 |
| Memoranda: | ||
| Average total assets | $674,490,200 | 1,021 |
| Average earning assets | $620,889,400 | 1,004 |
| Average equity | $67,871,800 | 970 |
| Average total loans | $426,646,000 | 1,123 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8970% | 6,895 |
| Cost of funding earning assets | 1.5620% | 5,583 |
| Net interest margin | 3.3349% | 5,507 |
| Noninterest income to average assets | 1.4995% | 658 |
| Noninterest expense to average assets | 3.2170% | 3,244 |
| Loan and lease loss provision to assets | 0.5355% | 3,243 |
| Net operating income to assets | 0.5826% | 3,663 |
| Return on assets (ROA) | 0.8157% | 2,807 |
| Pretax return on assets | 1.1556% | 2,396 |
| Return on Equity (ROE) | 7.8079% | 2,721 |
| Retained earnings to average equity (ytd only) | 5.5948% | 2,160 |
| Net charge-offs to loans | 0.5697% | 2,973 |
| Credit loss provision to net charge-offs | 144.6267% | 3,367 |
| Earnings coverage of net charge-offs (x) | 3.6804% | 3,423 |
| Efficiency ratio | 69.1741% | 4,751 |
| Assets per employee ($millions) | 3.3801% | 5,204 |
| Cash dividends to net income (ytd only)* | 28.3440% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5150% | 3,349 |
| Loan loss allowance to noncurrent loans | 97.4607% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 1.0468% | 4,987 |
| Noncurrent loans to loans | 1.5544% | 4,309 |
| Net loans and leases to total assets | 63.3264% | 5,013 |
| Net loans and leases to deposits | 79.2649% | 4,516 |
| Net loans and leases to core deposits | 92.8854% | 5,145 |
| Total domestic deposits to total assets | 79.8921% | 5,475 |
| Equity capital to assets | 11.2445% | 2,797 |
| Core capital (leverage) ratio | 9.8374% | 3,469 |
| Tier 1 risk-based capital ratio | 13.3989% | 3,922 |
| Total risk-based capital ratio | 14.6502% | 3,860 |
| Memoranda: | ||
| Average total assets | $636,642,750 | 1,103 |
| Average earning assets | $588,020,500 | 1,088 |
| Average equity | $66,512,000 | 1,007 |
| Average total loans | $413,802,000 | 1,182 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9785% | 6,842 |
| Cost of funding earning assets | 1.6112% | 5,702 |
| Net interest margin | 3.3673% | 5,293 |
| Noninterest income to average assets | 1.5571% | 618 |
| Noninterest expense to average assets | 3.2858% | 3,020 |
| Loan and lease loss provision to assets | 0.4411% | 3,346 |
| Net operating income to assets | 0.6614% | 3,422 |
| Return on assets (ROA) | 0.7889% | 2,991 |
| Pretax return on assets | 1.1131% | 2,587 |
| Return on Equity (ROE) | 7.7510% | 2,870 |
| Retained earnings to average equity (ytd only) | 5.2622% | 2,363 |
| Net charge-offs to loans | 0.6820% | 2,338 |
| Credit loss provision to net charge-offs | 99.1501% | 4,643 |
| Earnings coverage of net charge-offs (x) | 3.0899% | 3,574 |
| Efficiency ratio | 69.4497% | 4,890 |
| Assets per employee ($millions) | 3.3208% | 5,257 |
| Cash dividends to net income (ytd only)* | 32.1086% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3172% | 4,178 |
| Loan loss allowance to noncurrent loans | 98.1115% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 0.8853% | 5,220 |
| Noncurrent loans to loans | 1.3425% | 4,529 |
| Net loans and leases to total assets | 64.7735% | 4,819 |
| Net loans and leases to deposits | 81.4274% | 4,311 |
| Net loans and leases to core deposits | 94.6425% | 5,045 |
| Total domestic deposits to total assets | 79.5476% | 5,622 |
| Equity capital to assets | 11.2161% | 2,741 |
| Core capital (leverage) ratio | 9.8099% | 3,507 |
| Tier 1 risk-based capital ratio | 12.8051% | 4,288 |
| Total risk-based capital ratio | 13.9576% | 4,266 |
| Memoranda: | ||
| Average total assets | $634,784,000 | 1,126 |
| Average earning assets | $585,031,330 | 1,111 |
| Average equity | $64,611,330 | 1,048 |
| Average total loans | $414,086,000 | 1,213 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0763% | 6,724 |
| Cost of funding earning assets | 1.6545% | 5,796 |
| Net interest margin | 3.4218% | 5,043 |
| Noninterest income to average assets | 1.4142% | 702 |
| Noninterest expense to average assets | 3.2266% | 2,874 |
| Loan and lease loss provision to assets | 0.2004% | 4,436 |
| Net operating income to assets | 0.7860% | 3,189 |
| Return on assets (ROA) | 0.8714% | 2,981 |
| Pretax return on assets | 1.2540% | 2,441 |
| Return on Equity (ROE) | 9.0163% | 2,713 |
| Retained earnings to average equity (ytd only) | 5.7400% | 2,759 |
| Net charge-offs to loans | 0.2019% | 3,424 |
| Credit loss provision to net charge-offs | 152.6316% | 2,735 |
| Earnings coverage of net charge-offs (x) | 10.1340% | 1,974 |
| Efficiency ratio | 69.7270% | 4,637 |
| Assets per employee ($millions) | 3.2820% | 5,368 |
| Cash dividends to net income (ytd only)* | 36.3374% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3598% | 3,733 |
| Loan loss allowance to noncurrent loans | 125.5798% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.7052% | 5,389 |
| Noncurrent loans to loans | 1.0828% | 4,817 |
| Net loans and leases to total assets | 63.8668% | 5,015 |
| Net loans and leases to deposits | 78.5456% | 4,840 |
| Net loans and leases to core deposits | 89.8823% | 5,564 |
| Total domestic deposits to total assets | 81.3117% | 4,832 |
| Equity capital to assets | 9.7314% | 4,331 |
| Core capital (leverage) ratio | 8.2532% | 5,993 |
| Tier 1 risk-based capital ratio | 10.7622% | 6,128 |
| Total risk-based capital ratio | 11.9220% | 6,128 |
| Memoranda: | ||
| Average total assets | $636,701,500 | 1,124 |
| Average earning assets | $584,840,000 | 1,117 |
| Average equity | $61,533,000 | 1,110 |
| Average total loans | $414,057,500 | 1,222 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7031% | 6,769 |
| Cost of funding earning assets | 2.2916% | 5,195 |
| Net interest margin | 3.4114% | 5,613 |
| Noninterest income to average assets | 1.3248% | 829 |
| Noninterest expense to average assets | 3.1313% | 3,580 |
| Loan and lease loss provision to assets | 0.2572% | 4,344 |
| Net operating income to assets | 0.8113% | 3,391 |
| Return on assets (ROA) | 0.8113% | 3,229 |
| Pretax return on assets | 1.0573% | 3,192 |
| Return on Equity (ROE) | 8.4373% | 2,872 |
| Retained earnings to average equity (ytd only) | 5.0442% | 2,002 |
| Net charge-offs to loans | 0.2952% | 3,428 |
| Credit loss provision to net charge-offs | 131.1056% | 4,061 |
| Earnings coverage of net charge-offs (x) | 6.7013% | 3,297 |
| Efficiency ratio | 69.2974% | 4,480 |
| Assets per employee ($millions) | 3.3861% | 4,976 |
| Cash dividends to net income (ytd only)* | 40.2154% | 3,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3079% | 3,721 |
| Loan loss allowance to noncurrent loans | 144.3623% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.6071% | 5,376 |
| Noncurrent loans to loans | 0.9060% | 4,812 |
| Net loans and leases to total assets | 64.4589% | 5,180 |
| Net loans and leases to deposits | 79.5689% | 5,119 |
| Net loans and leases to core deposits | 90.0130% | 5,797 |
| Total domestic deposits to total assets | 81.0102% | 4,632 |
| Equity capital to assets | 9.5980% | 4,545 |
| Core capital (leverage) ratio | 8.5102% | 5,565 |
| Tier 1 risk-based capital ratio | 10.6082% | 6,094 |
| Total risk-based capital ratio | 11.7501% | 6,089 |
| Memoranda: | ||
| Average total assets | $617,889,200 | 1,086 |
| Average earning assets | $565,274,200 | 1,092 |
| Average equity | $59,414,400 | 1,134 |
| Average total loans | $410,532,600 | 1,171 |