Home > The First National Bank of Sonora > Performance and Condition Ratios
The First National Bank of Sonora, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6306% | 1,003 |
| Cost of funding earning assets | 1.1635% | 2,896 |
| Net interest margin | 4.4671% | 646 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 3.3081% | 730 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 1.1571% | 1,759 |
| Return on assets (ROA) | 1.1709% | 1,690 |
| Pretax return on assets | 1.1709% | 2,213 |
| Return on Equity (ROE) | 14.0900% | 1,465 |
| Retained earnings to average equity (ytd only) | 8.4610% | 1,405 |
| Net charge-offs to loans | 0.4224% | 242 |
| Credit loss provision to net charge-offs | 57.9043% | 2,162 |
| Earnings coverage of net charge-offs (x) | 4.9328% | 2,554 |
| Efficiency ratio | 70.9402% | 1,768 |
| Assets per employee ($millions) | 6.1083% | 2,727 |
| Cash dividends to net income (ytd only)* | 39.9602% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3598% | 1,546 |
| Loan loss allowance to noncurrent loans | 171.0786% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.4996% | 1,126 |
| Noncurrent loans to loans | 0.7949% | 976 |
| Net loans and leases to total assets | 61.9900% | 2,676 |
| Net loans and leases to deposits | 75.4788% | 2,505 |
| Net loans and leases to core deposits | 89.6161% | 2,077 |
| Total domestic deposits to total assets | 82.1300% | 3,109 |
| Equity capital to assets | 8.3200% | 3,178 |
| Core capital (leverage) ratio | 9.0985% | 3,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0542% | 1,262 |
| Memoranda: | ||
| Average total assets | $600,980,000 | 1,479 |
| Average earning assets | $547,491,800 | 1,499 |
| Average equity | $49,934,800 | 1,611 |
| Average total loans | $390,822,000 | 1,500 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4728% | 1,047 |
| Cost of funding earning assets | 0.9770% | 3,099 |
| Net interest margin | 4.4958% | 617 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 3.2963% | 727 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 1.2176% | 1,743 |
| Return on assets (ROA) | 1.2362% | 1,681 |
| Pretax return on assets | 1.2362% | 2,208 |
| Return on Equity (ROE) | 14.8800% | 1,465 |
| Retained earnings to average equity (ytd only) | 10.0783% | 1,379 |
| Net charge-offs to loans | 0.1940% | 454 |
| Credit loss provision to net charge-offs | 115.6966% | 1,510 |
| Earnings coverage of net charge-offs (x) | 11.1270% | 2,105 |
| Efficiency ratio | 69.9471% | 1,790 |
| Assets per employee ($millions) | 6.3170% | 2,479 |
| Cash dividends to net income (ytd only)* | 32.2862% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5982% | 888 |
| Loan loss allowance to noncurrent loans | 129.6507% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 0.7630% | 729 |
| Noncurrent loans to loans | 1.2327% | 631 |
| Net loans and leases to total assets | 60.6600% | 2,779 |
| Net loans and leases to deposits | 73.4849% | 2,611 |
| Net loans and leases to core deposits | 85.5116% | 2,216 |
| Total domestic deposits to total assets | 82.5400% | 3,108 |
| Equity capital to assets | 7.8697% | 3,135 |
| Core capital (leverage) ratio | 9.0710% | 3,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2345% | 1,259 |
| Memoranda: | ||
| Average total assets | $593,937,500 | 1,496 |
| Average earning assets | $540,282,750 | 1,524 |
| Average equity | $49,332,250 | 1,614 |
| Average total loans | $389,674,250 | 1,499 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2204% | 1,185 |
| Cost of funding earning assets | 0.6525% | 3,621 |
| Net interest margin | 4.5678% | 564 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 3.2654% | 724 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 1.3084% | 1,549 |
| Return on assets (ROA) | 1.3084% | 1,534 |
| Pretax return on assets | 1.3084% | 2,058 |
| Return on Equity (ROE) | 15.4600% | 1,374 |
| Retained earnings to average equity (ytd only) | 11.7437% | 1,040 |
| Net charge-offs to loans | 0.2803% | 300 |
| Credit loss provision to net charge-offs | 65.1460% | 1,610 |
| Earnings coverage of net charge-offs (x) | 8.0602% | 2,064 |
| Efficiency ratio | 68.3210% | 1,943 |
| Assets per employee ($millions) | 5.8856% | 2,809 |
| Cash dividends to net income (ytd only)* | 24.0503% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4978% | 1,190 |
| Loan loss allowance to noncurrent loans | 217.5731% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.4627% | 1,159 |
| Noncurrent loans to loans | 0.6884% | 1,087 |
| Net loans and leases to total assets | 65.7100% | 2,187 |
| Net loans and leases to deposits | 80.8000% | 1,918 |
| Net loans and leases to core deposits | 89.2132% | 1,851 |
| Total domestic deposits to total assets | 81.3300% | 3,369 |
| Equity capital to assets | 8.5892% | 2,791 |
| Core capital (leverage) ratio | 9.5060% | 3,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6336% | 1,398 |
| Memoranda: | ||
| Average total assets | $583,455,000 | 1,521 |
| Average earning assets | $529,619,000 | 1,554 |
| Average equity | $49,371,000 | 1,611 |
| Average total loans | $391,068,000 | 1,478 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0375% | 1,157 |
| Cost of funding earning assets | 0.2594% | 4,279 |
| Net interest margin | 4.7781% | 386 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 3.2088% | 785 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 1.4805% | 1,221 |
| Return on assets (ROA) | 1.4805% | 1,200 |
| Pretax return on assets | 1.4805% | 1,714 |
| Return on Equity (ROE) | 17.6300% | 1,080 |
| Retained earnings to average equity (ytd only) | 13.9073% | 955 |
| Net charge-offs to loans | 0.5196% | 155 |
| Credit loss provision to net charge-offs | 11.2426% | 1,400 |
| Earnings coverage of net charge-offs (x) | 4.8323% | 1,841 |
| Efficiency ratio | 65.5415% | 2,261 |
| Assets per employee ($millions) | 6.4952% | 2,344 |
| Cash dividends to net income (ytd only)* | 21.1163% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4511% | 1,430 |
| Loan loss allowance to noncurrent loans | 513.8940% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.1851% | 2,225 |
| Noncurrent loans to loans | 0.2824% | 2,133 |
| Net loans and leases to total assets | 64.6000% | 2,193 |
| Net loans and leases to deposits | 79.3306% | 1,863 |
| Net loans and leases to core deposits | 83.7069% | 2,003 |
| Total domestic deposits to total assets | 81.4300% | 3,566 |
| Equity capital to assets | 8.4869% | 2,908 |
| Core capital (leverage) ratio | 9.7562% | 2,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1356% | 1,589 |
| Memoranda: | ||
| Average total assets | $580,901,000 | 1,548 |
| Average earning assets | $525,816,000 | 1,580 |
| Average equity | $48,780,000 | 1,642 |
| Average total loans | $390,286,500 | 1,500 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1901% | 1,266 |
| Cost of funding earning assets | 0.2333% | 3,481 |
| Net interest margin | 3.9569% | 847 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.8036% | 1,306 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.0279% | 2,466 |
| Return on assets (ROA) | 1.0279% | 2,408 |
| Pretax return on assets | 1.0279% | 2,991 |
| Return on Equity (ROE) | 13.4200% | 1,680 |
| Retained earnings to average equity (ytd only) | 12.6636% | 562 |
| Net charge-offs to loans | 0.0635% | 1,013 |
| Credit loss provision to net charge-offs | 401.2876% | 775 |
| Earnings coverage of net charge-offs (x) | 30.8283% | 1,667 |
| Efficiency ratio | 68.9647% | 1,831 |
| Assets per employee ($millions) | 5.5411% | 3,173 |
| Cash dividends to net income (ytd only)* | 5.6338% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5445% | 1,090 |
| Loan loss allowance to noncurrent loans | 250.0824% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.4254% | 1,208 |
| Noncurrent loans to loans | 0.6176% | 1,204 |
| Net loans and leases to total assets | 67.8200% | 1,848 |
| Net loans and leases to deposits | 75.2639% | 2,153 |
| Net loans and leases to core deposits | 79.3548% | 2,175 |
| Total domestic deposits to total assets | 90.1100% | 1,314 |
| Equity capital to assets | 8.3046% | 2,852 |
| Core capital (leverage) ratio | 8.9497% | 3,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4221% | 1,809 |
| Memoranda: | ||
| Average total assets | $607,835,600 | 1,460 |
| Average earning assets | $556,477,000 | 1,489 |
| Average equity | $46,558,800 | 1,718 |
| Average total loans | $367,137,400 | 1,493 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9031% | 1,475 |
| Cost of funding earning assets | 0.2246% | 2,990 |
| Net interest margin | 3.6784% | 1,192 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.6147% | 1,683 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.0135% | 2,431 |
| Return on assets (ROA) | 1.0135% | 2,400 |
| Pretax return on assets | 1.0135% | 2,978 |
| Return on Equity (ROE) | 13.4900% | 1,571 |
| Retained earnings to average equity (ytd only) | 13.4943% | 543 |
| Net charge-offs to loans | 0.0717% | 792 |
| Credit loss provision to net charge-offs | 327.3196% | 776 |
| Earnings coverage of net charge-offs (x) | 27.4536% | 1,564 |
| Efficiency ratio | 69.4400% | 1,830 |
| Assets per employee ($millions) | 7.0886% | 1,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5115% | 1,262 |
| Loan loss allowance to noncurrent loans | 285.5528% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.3418% | 1,582 |
| Noncurrent loans to loans | 0.5293% | 1,479 |
| Net loans and leases to total assets | 63.5900% | 2,128 |
| Net loans and leases to deposits | 70.1317% | 2,349 |
| Net loans and leases to core deposits | 74.0928% | 2,338 |
| Total domestic deposits to total assets | 90.6700% | 1,376 |
| Equity capital to assets | 7.7317% | 3,068 |
| Core capital (leverage) ratio | 8.4230% | 4,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5770% | 1,852 |
| Memoranda: | ||
| Average total assets | $617,110,750 | 1,448 |
| Average earning assets | $566,206,000 | 1,466 |
| Average equity | $46,349,250 | 1,739 |
| Average total loans | $360,637,500 | 1,507 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6139% | 1,795 |
| Cost of funding earning assets | 0.2298% | 2,510 |
| Net interest margin | 3.3841% | 1,654 |
| Noninterest income to average assets | 0.4107% | 2,689 |
| Noninterest expense to average assets | 2.5454% | 1,790 |
| Loan and lease loss provision to assets | 0.0753% | 1,281 |
| Net operating income to assets | 0.8989% | 2,587 |
| Return on assets (ROA) | 0.8989% | 2,559 |
| Pretax return on assets | 0.8989% | 3,068 |
| Return on Equity (ROE) | 12.0810% | 1,647 |
| Retained earnings to average equity (ytd only) | 12.0810% | 594 |
| Net charge-offs to loans | 0.0607% | 799 |
| Credit loss provision to net charge-offs | 219.6262% | 928 |
| Earnings coverage of net charge-offs (x) | 28.4206% | 1,411 |
| Efficiency ratio | 72.3218% | 1,707 |
| Assets per employee ($millions) | 7.0701% | 1,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5199% | 1,354 |
| Loan loss allowance to noncurrent loans | 219.7442% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.3976% | 1,414 |
| Noncurrent loans to loans | 0.6917% | 1,249 |
| Net loans and leases to total assets | 56.6144% | 2,687 |
| Net loans and leases to deposits | 62.2063% | 2,873 |
| Net loans and leases to core deposits | 65.9617% | 2,820 |
| Total domestic deposits to total assets | 91.0107% | 1,241 |
| Equity capital to assets | 7.4716% | 3,499 |
| Core capital (leverage) ratio | 8.0376% | 4,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8808% | 1,740 |
| Memoranda: | ||
| Average total assets | $624,333,667 | 1,449 |
| Average earning assets | $573,564,000 | 1,461 |
| Average equity | $46,453,000 | 1,779 |
| Average total loans | $352,697,667 | 1,523 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7001% | 1,269 |
| Cost of funding earning assets | 0.2398% | 2,268 |
| Net interest margin | 3.4603% | 1,157 |
| Noninterest income to average assets | 0.4708% | 2,296 |
| Noninterest expense to average assets | 2.5625% | 1,714 |
| Loan and lease loss provision to assets | 0.0675% | 1,212 |
| Net operating income to assets | 1.0246% | 1,784 |
| Return on assets (ROA) | 1.0246% | 1,775 |
| Pretax return on assets | 1.0246% | 2,368 |
| Return on Equity (ROE) | 13.8004% | 869 |
| Retained earnings to average equity (ytd only) | 13.8004% | 394 |
| Net charge-offs to loans | 0.1160% | 467 |
| Credit loss provision to net charge-offs | 103.9604% | 986 |
| Earnings coverage of net charge-offs (x) | 16.8119% | 1,330 |
| Efficiency ratio | 70.1162% | 2,209 |
| Assets per employee ($millions) | 7.2536% | 1,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5261% | 1,474 |
| Loan loss allowance to noncurrent loans | 195.1689% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.4518% | 1,348 |
| Noncurrent loans to loans | 0.7820% | 1,217 |
| Net loans and leases to total assets | 56.9003% | 2,430 |
| Net loans and leases to deposits | 62.7426% | 2,649 |
| Net loans and leases to core deposits | 66.8000% | 2,558 |
| Total domestic deposits to total assets | 90.6885% | 1,185 |
| Equity capital to assets | 7.7190% | 3,789 |
| Core capital (leverage) ratio | 8.0121% | 4,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4497% | 1,655 |
| Memoranda: | ||
| Average total assets | $621,882,500 | 1,454 |
| Average earning assets | $572,200,000 | 1,471 |
| Average equity | $46,172,500 | 1,848 |
| Average total loans | $348,178,500 | 1,525 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8202% | 1,817 |
| Cost of funding earning assets | 0.3327% | 2,094 |
| Net interest margin | 3.4876% | 1,776 |
| Noninterest income to average assets | 0.3824% | 3,152 |
| Noninterest expense to average assets | 2.7712% | 1,430 |
| Loan and lease loss provision to assets | 0.9238% | 40 |
| Net operating income to assets | -0.1239% | 4,712 |
| Return on assets (ROA) | -0.1239% | 4,715 |
| Pretax return on assets | -0.1239% | 4,716 |
| Return on Equity (ROE) | -1.4894% | 4,724 |
| Retained earnings to average equity (ytd only) | -3.6576% | 4,675 |
| Net charge-offs to loans | 1.6495% | 31 |
| Credit loss provision to net charge-offs | 90.0315% | 1,880 |
| Earnings coverage of net charge-offs (x) | 0.7796% | 2,636 |
| Efficiency ratio | 77.5988% | 983 |
| Assets per employee ($millions) | 6.9721% | 1,946 |
| Cash dividends to net income (ytd only)* | -145.5733% | 4,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5597% | 1,362 |
| Loan loss allowance to noncurrent loans | 67.9575% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 1.2462% | 384 |
| Noncurrent loans to loans | 2.2952% | 311 |
| Net loans and leases to total assets | 53.4183% | 2,916 |
| Net loans and leases to deposits | 58.4539% | 3,209 |
| Net loans and leases to core deposits | 62.4931% | 3,115 |
| Total domestic deposits to total assets | 91.3853% | 349 |
| Equity capital to assets | 7.1419% | 4,692 |
| Core capital (leverage) ratio | 8.0720% | 4,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7648% | 1,941 |
| Memoranda: | ||
| Average total assets | $556,266,400 | 1,554 |
| Average earning assets | $508,609,000 | 1,581 |
| Average equity | $46,260,400 | 1,883 |
| Average total loans | $346,042,400 | 1,534 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9751% | 1,599 |
| Cost of funding earning assets | 0.3592% | 2,030 |
| Net interest margin | 3.6158% | 1,561 |
| Noninterest income to average assets | 0.3833% | 3,187 |
| Noninterest expense to average assets | 2.8441% | 1,230 |
| Loan and lease loss provision to assets | 0.1526% | 730 |
| Net operating income to assets | 0.6822% | 3,816 |
| Return on assets (ROA) | 0.6822% | 3,872 |
| Pretax return on assets | 0.6822% | 4,096 |
| Return on Equity (ROE) | 7.8741% | 3,440 |
| Retained earnings to average equity (ytd only) | 5.4195% | 3,066 |
| Net charge-offs to loans | 0.0342% | 1,391 |
| Credit loss provision to net charge-offs | 689.8876% | 645 |
| Earnings coverage of net charge-offs (x) | 37.7528% | 1,404 |
| Efficiency ratio | 77.3111% | 932 |
| Assets per employee ($millions) | 6.2884% | 2,432 |
| Cash dividends to net income (ytd only)* | 31.1726% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8520% | 841 |
| Loan loss allowance to noncurrent loans | 53.2411% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 2.1216% | 168 |
| Noncurrent loans to loans | 3.4785% | 166 |
| Net loans and leases to total assets | 59.8643% | 2,278 |
| Net loans and leases to deposits | 66.6623% | 2,573 |
| Net loans and leases to core deposits | 73.3451% | 2,291 |
| Total domestic deposits to total assets | 89.8024% | 860 |
| Equity capital to assets | 8.3188% | 4,325 |
| Core capital (leverage) ratio | 8.5190% | 4,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3376% | 1,850 |
| Memoranda: | ||
| Average total assets | $536,717,000 | 1,620 |
| Average earning assets | $489,168,000 | 1,653 |
| Average equity | $46,497,250 | 1,894 |
| Average total loans | $346,480,500 | 1,562 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0054% | 1,553 |
| Cost of funding earning assets | 0.3843% | 2,020 |
| Net interest margin | 3.6212% | 1,543 |
| Noninterest income to average assets | 0.4188% | 3,008 |
| Noninterest expense to average assets | 2.8418% | 1,268 |
| Loan and lease loss provision to assets | 0.2340% | 434 |
| Net operating income to assets | 0.6394% | 3,897 |
| Return on assets (ROA) | 0.6394% | 3,957 |
| Pretax return on assets | 0.6394% | 4,174 |
| Return on Equity (ROE) | 7.2754% | 3,587 |
| Retained earnings to average equity (ytd only) | 4.3964% | 3,401 |
| Net charge-offs to loans | 0.0243% | 1,461 |
| Credit loss provision to net charge-offs | 1,461.9048% | 371 |
| Earnings coverage of net charge-offs (x) | 54.5714% | 1,021 |
| Efficiency ratio | 76.4923% | 1,037 |
| Assets per employee ($millions) | 5.9655% | 2,655 |
| Cash dividends to net income (ytd only)* | 39.5709% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8874% | 754 |
| Loan loss allowance to noncurrent loans | 112.4137% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 1.0982% | 678 |
| Noncurrent loans to loans | 1.6790% | 637 |
| Net loans and leases to total assets | 61.6694% | 2,215 |
| Net loans and leases to deposits | 68.8460% | 2,534 |
| Net loans and leases to core deposits | 77.0034% | 2,137 |
| Total domestic deposits to total assets | 89.5759% | 988 |
| Equity capital to assets | 8.5000% | 4,203 |
| Core capital (leverage) ratio | 8.7880% | 3,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5230% | 1,795 |
| Memoranda: | ||
| Average total assets | $524,874,667 | 1,642 |
| Average earning assets | $477,801,333 | 1,677 |
| Average equity | $46,128,333 | 1,894 |
| Average total loans | $345,629,333 | 1,573 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0849% | 1,429 |
| Cost of funding earning assets | 0.4100% | 2,009 |
| Net interest margin | 3.6748% | 1,391 |
| Noninterest income to average assets | 0.4133% | 3,019 |
| Noninterest expense to average assets | 2.9121% | 1,127 |
| Loan and lease loss provision to assets | 0.2394% | 453 |
| Net operating income to assets | 0.6028% | 3,934 |
| Return on assets (ROA) | 0.6028% | 3,996 |
| Pretax return on assets | 0.6028% | 4,189 |
| Return on Equity (ROE) | 6.7412% | 3,670 |
| Retained earnings to average equity (ytd only) | 2.3110% | 3,948 |
| Net charge-offs to loans | 0.0555% | 954 |
| Credit loss provision to net charge-offs | 639.5833% | 538 |
| Earnings coverage of net charge-offs (x) | 22.5000% | 1,208 |
| Efficiency ratio | 77.5654% | 991 |
| Assets per employee ($millions) | 5.6383% | 2,976 |
| Cash dividends to net income (ytd only)* | 65.7180% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8034% | 866 |
| Loan loss allowance to noncurrent loans | 86.5178% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 1.4164% | 472 |
| Noncurrent loans to loans | 2.0844% | 496 |
| Net loans and leases to total assets | 63.6883% | 2,088 |
| Net loans and leases to deposits | 71.3899% | 2,375 |
| Net loans and leases to core deposits | 79.2099% | 2,077 |
| Total domestic deposits to total assets | 89.2119% | 1,226 |
| Equity capital to assets | 8.6292% | 4,024 |
| Core capital (leverage) ratio | 9.2268% | 3,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3656% | 1,787 |
| Memoranda: | ||
| Average total assets | $512,900,500 | 1,657 |
| Average earning assets | $466,308,000 | 1,695 |
| Average equity | $45,867,500 | 1,889 |
| Average total loans | $345,960,500 | 1,575 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4885% | 1,342 |
| Cost of funding earning assets | 0.6267% | 2,140 |
| Net interest margin | 3.8617% | 1,328 |
| Noninterest income to average assets | 0.3936% | 3,129 |
| Noninterest expense to average assets | 3.1790% | 1,091 |
| Loan and lease loss provision to assets | 0.1725% | 2,233 |
| Net operating income to assets | 0.5434% | 3,920 |
| Return on assets (ROA) | 0.5434% | 4,021 |
| Pretax return on assets | 0.5434% | 4,192 |
| Return on Equity (ROE) | 5.7371% | 3,667 |
| Retained earnings to average equity (ytd only) | 0.4117% | 4,392 |
| Net charge-offs to loans | 0.0760% | 1,722 |
| Credit loss provision to net charge-offs | 332.8000% | 1,624 |
| Earnings coverage of net charge-offs (x) | 13.8080% | 2,257 |
| Efficiency ratio | 81.6197% | 771 |
| Assets per employee ($millions) | 5.5089% | 2,838 |
| Cash dividends to net income (ytd only)* | 92.8244% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7058% | 1,025 |
| Loan loss allowance to noncurrent loans | 89.9712% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 1.4002% | 551 |
| Noncurrent loans to loans | 1.8959% | 632 |
| Net loans and leases to total assets | 69.0267% | 1,683 |
| Net loans and leases to deposits | 77.9210% | 2,075 |
| Net loans and leases to core deposits | 87.6871% | 1,722 |
| Total domestic deposits to total assets | 88.5855% | 1,172 |
| Equity capital to assets | 9.2780% | 3,813 |
| Core capital (leverage) ratio | 9.2742% | 3,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1874% | 1,783 |
| Memoranda: | ||
| Average total assets | $482,188,400 | 1,601 |
| Average earning assets | $437,186,000 | 1,635 |
| Average equity | $45,667,800 | 1,827 |
| Average total loans | $328,846,800 | 1,582 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4406% | 1,734 |
| Cost of funding earning assets | 0.6741% | 2,173 |
| Net interest margin | 3.7666% | 1,719 |
| Noninterest income to average assets | 0.4300% | 2,937 |
| Noninterest expense to average assets | 3.1111% | 1,217 |
| Loan and lease loss provision to assets | 0.1773% | 2,213 |
| Net operating income to assets | 0.5556% | 3,896 |
| Return on assets (ROA) | 0.5556% | 3,984 |
| Pretax return on assets | 0.5556% | 4,186 |
| Return on Equity (ROE) | 5.8351% | 3,608 |
| Retained earnings to average equity (ytd only) | -1.2782% | 4,643 |
| Net charge-offs to loans | 0.0609% | 1,731 |
| Credit loss provision to net charge-offs | 430.4054% | 1,405 |
| Earnings coverage of net charge-offs (x) | 17.7838% | 1,994 |
| Efficiency ratio | 80.9331% | 804 |
| Assets per employee ($millions) | 5.2814% | 2,914 |
| Cash dividends to net income (ytd only)* | 121.9048% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6835% | 920 |
| Loan loss allowance to noncurrent loans | 78.6627% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 1.5313% | 551 |
| Noncurrent loans to loans | 2.1402% | 557 |
| Net loans and leases to total assets | 68.7812% | 2,142 |
| Net loans and leases to deposits | 77.6308% | 2,571 |
| Net loans and leases to core deposits | 86.9285% | 2,240 |
| Total domestic deposits to total assets | 88.6004% | 940 |
| Equity capital to assets | 9.1536% | 3,997 |
| Core capital (leverage) ratio | 9.0349% | 3,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1291% | 1,787 |
| Memoranda: | ||
| Average total assets | $478,786,000 | 1,589 |
| Average earning assets | $433,981,000 | 1,629 |
| Average equity | $45,584,750 | 1,816 |
| Average total loans | $324,015,500 | 1,594 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4689% | 2,007 |
| Cost of funding earning assets | 0.7267% | 2,258 |
| Net interest margin | 3.7423% | 2,019 |
| Noninterest income to average assets | 0.4800% | 2,652 |
| Noninterest expense to average assets | 2.9715% | 1,656 |
| Loan and lease loss provision to assets | 0.1869% | 2,157 |
| Net operating income to assets | 0.7084% | 3,369 |
| Return on assets (ROA) | 0.7084% | 3,477 |
| Pretax return on assets | 0.7084% | 3,855 |
| Return on Equity (ROE) | 7.3413% | 2,990 |
| Retained earnings to average equity (ytd only) | -3.3178% | 4,679 |
| Net charge-offs to loans | 0.0367% | 2,000 |
| Credit loss provision to net charge-offs | 762.0690% | 944 |
| Earnings coverage of net charge-offs (x) | 36.5000% | 1,307 |
| Efficiency ratio | 76.8457% | 1,176 |
| Assets per employee ($millions) | 5.5504% | 2,590 |
| Cash dividends to net income (ytd only)* | 145.1940% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6915% | 826 |
| Loan loss allowance to noncurrent loans | 64.5531% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.7872% | 449 |
| Noncurrent loans to loans | 2.6204% | 431 |
| Net loans and leases to total assets | 65.3523% | 2,716 |
| Net loans and leases to deposits | 78.6576% | 2,584 |
| Net loans and leases to core deposits | 88.1199% | 2,232 |
| Total domestic deposits to total assets | 83.0846% | 3,064 |
| Equity capital to assets | 8.8318% | 4,232 |
| Core capital (leverage) ratio | 9.1366% | 3,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2839% | 1,704 |
| Memoranda: | ||
| Average total assets | $472,898,667 | 1,577 |
| Average earning assets | $427,977,000 | 1,623 |
| Average equity | $45,632,000 | 1,804 |
| Average total loans | $316,250,667 | 1,614 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8834% | 1,232 |
| Cost of funding earning assets | 0.7880% | 2,458 |
| Net interest margin | 4.0954% | 1,141 |
| Noninterest income to average assets | 0.3947% | 3,140 |
| Noninterest expense to average assets | 2.8359% | 2,319 |
| Loan and lease loss provision to assets | 0.2176% | 1,420 |
| Net operating income to assets | 1.0361% | 2,057 |
| Return on assets (ROA) | 1.0361% | 2,154 |
| Pretax return on assets | 1.0361% | 2,714 |
| Return on Equity (ROE) | 10.2486% | 1,659 |
| Retained earnings to average equity (ytd only) | 2.4401% | 3,295 |
| Net charge-offs to loans | 0.0512% | 1,498 |
| Credit loss provision to net charge-offs | 633.3333% | 767 |
| Earnings coverage of net charge-offs (x) | 36.4872% | 1,069 |
| Efficiency ratio | 69.3451% | 2,456 |
| Assets per employee ($millions) | 5.3090% | 2,311 |
| Cash dividends to net income (ytd only)* | 76.1905% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8132% | 694 |
| Loan loss allowance to noncurrent loans | 727.5817% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.2135% | 3,623 |
| Noncurrent loans to loans | 0.2492% | 3,595 |
| Net loans and leases to total assets | 66.0145% | 2,812 |
| Net loans and leases to deposits | 80.7841% | 2,599 |
| Net loans and leases to core deposits | 91.7366% | 2,192 |
| Total domestic deposits to total assets | 81.7172% | 3,489 |
| Equity capital to assets | 10.0929% | 3,694 |
| Core capital (leverage) ratio | 9.9362% | 3,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0362% | 1,339 |
| Memoranda: | ||
| Average total assets | $454,031,000 | 1,594 |
| Average earning assets | $409,633,000 | 1,635 |
| Average equity | $45,899,000 | 1,792 |
| Average total loans | $304,649,500 | 1,621 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1900% | 1,017 |
| Cost of funding earning assets | 0.8048% | 2,660 |
| Net interest margin | 4.3853% | 923 |
| Noninterest income to average assets | 0.4387% | 3,061 |
| Noninterest expense to average assets | 3.1276% | 1,695 |
| Loan and lease loss provision to assets | 0.1039% | 1,987 |
| Net operating income to assets | 1.1846% | 2,118 |
| Return on assets (ROA) | 1.1846% | 2,216 |
| Pretax return on assets | 1.1846% | 2,893 |
| Return on Equity (ROE) | 11.2579% | 1,791 |
| Retained earnings to average equity (ytd only) | 0.4455% | 4,561 |
| Net charge-offs to loans | 0.0745% | 2,028 |
| Credit loss provision to net charge-offs | 200.8929% | 1,321 |
| Earnings coverage of net charge-offs (x) | 24.9107% | 1,757 |
| Efficiency ratio | 70.8235% | 2,045 |
| Assets per employee ($millions) | 5.1305% | 2,418 |
| Cash dividends to net income (ytd only)* | 96.0429% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7719% | 694 |
| Loan loss allowance to noncurrent loans | 669.6250% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.2279% | 3,536 |
| Noncurrent loans to loans | 0.2646% | 3,497 |
| Net loans and leases to total assets | 65.7761% | 2,976 |
| Net loans and leases to deposits | 80.6416% | 2,702 |
| Net loans and leases to core deposits | 88.8108% | 2,532 |
| Total domestic deposits to total assets | 81.5659% | 3,624 |
| Equity capital to assets | 10.1257% | 3,807 |
| Core capital (leverage) ratio | 9.9418% | 3,581 |
| Tier 1 risk-based capital ratio | 15.6676% | 2,516 |
| Total risk-based capital ratio | 16.9255% | 2,450 |
| Memoranda: | ||
| Average total assets | $433,073,200 | 1,615 |
| Average earning assets | $392,791,800 | 1,656 |
| Average equity | $45,567,800 | 1,741 |
| Average total loans | $300,597,000 | 1,598 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2611% | 929 |
| Cost of funding earning assets | 0.8024% | 2,705 |
| Net interest margin | 4.4587% | 841 |
| Noninterest income to average assets | 0.4304% | 3,142 |
| Noninterest expense to average assets | 3.1451% | 1,593 |
| Loan and lease loss provision to assets | 0.0934% | 2,043 |
| Net operating income to assets | 1.2379% | 2,068 |
| Return on assets (ROA) | 1.2379% | 2,143 |
| Pretax return on assets | 1.2379% | 2,863 |
| Return on Equity (ROE) | 11.6490% | 1,736 |
| Retained earnings to average equity (ytd only) | 1.3031% | 4,491 |
| Net charge-offs to loans | 0.0884% | 1,582 |
| Credit loss provision to net charge-offs | 150.7538% | 1,625 |
| Earnings coverage of net charge-offs (x) | 21.4972% | 1,910 |
| Efficiency ratio | 70.2607% | 2,081 |
| Assets per employee ($millions) | 5.1113% | 2,435 |
| Cash dividends to net income (ytd only)* | 88.8135% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7337% | 765 |
| Loan loss allowance to noncurrent loans | 711.0054% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.2200% | 3,697 |
| Noncurrent loans to loans | 0.2438% | 3,669 |
| Net loans and leases to total assets | 67.4766% | 2,868 |
| Net loans and leases to deposits | 83.3176% | 2,529 |
| Net loans and leases to core deposits | 95.0085% | 2,087 |
| Total domestic deposits to total assets | 80.9872% | 3,759 |
| Equity capital to assets | 10.4545% | 3,579 |
| Core capital (leverage) ratio | 10.3188% | 3,291 |
| Tier 1 risk-based capital ratio | 15.2532% | 2,739 |
| Total risk-based capital ratio | 16.5098% | 2,668 |
| Memoranda: | ||
| Average total assets | $428,470,250 | 1,643 |
| Average earning assets | $388,807,000 | 1,679 |
| Average equity | $45,530,750 | 1,741 |
| Average total loans | $300,164,750 | 1,616 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2638% | 877 |
| Cost of funding earning assets | 0.7662% | 2,820 |
| Net interest margin | 4.4976% | 775 |
| Noninterest income to average assets | 0.4176% | 3,150 |
| Noninterest expense to average assets | 3.1900% | 1,532 |
| Loan and lease loss provision to assets | 0.0706% | 2,406 |
| Net operating income to assets | 1.2449% | 1,981 |
| Return on assets (ROA) | 1.2449% | 2,035 |
| Pretax return on assets | 1.2449% | 2,768 |
| Return on Equity (ROE) | 11.6503% | 1,716 |
| Retained earnings to average equity (ytd only) | -0.9562% | 4,823 |
| Net charge-offs to loans | 0.0688% | 1,675 |
| Credit loss provision to net charge-offs | 145.6311% | 1,526 |
| Earnings coverage of net charge-offs (x) | 27.1262% | 1,551 |
| Efficiency ratio | 70.8015% | 2,099 |
| Assets per employee ($millions) | 5.3119% | 2,138 |
| Cash dividends to net income (ytd only)* | 108.2073% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7250% | 776 |
| Loan loss allowance to noncurrent loans | 214.6291% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.6096% | 2,201 |
| Noncurrent loans to loans | 0.8037% | 1,988 |
| Net loans and leases to total assets | 68.5738% | 2,743 |
| Net loans and leases to deposits | 84.8788% | 2,380 |
| Net loans and leases to core deposits | 96.9494% | 1,982 |
| Total domestic deposits to total assets | 80.7902% | 3,872 |
| Equity capital to assets | 10.5147% | 3,506 |
| Core capital (leverage) ratio | 10.4200% | 3,175 |
| Tier 1 risk-based capital ratio | 15.0974% | 2,791 |
| Total risk-based capital ratio | 16.3540% | 2,715 |
| Memoranda: | ||
| Average total assets | $424,769,330 | 1,657 |
| Average earning assets | $386,074,330 | 1,698 |
| Average equity | $45,389,330 | 1,734 |
| Average total loans | $299,605,670 | 1,625 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2682% | 804 |
| Cost of funding earning assets | 0.7213% | 2,940 |
| Net interest margin | 4.5468% | 682 |
| Noninterest income to average assets | 0.4057% | 3,147 |
| Noninterest expense to average assets | 3.2491% | 1,385 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2909% | 1,726 |
| Return on assets (ROA) | 1.2909% | 1,767 |
| Pretax return on assets | 1.2909% | 2,492 |
| Return on Equity (ROE) | 11.9832% | 1,532 |
| Retained earnings to average equity (ytd only) | 2.1380% | 4,033 |
| Net charge-offs to loans | 0.0815% | 1,274 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 22.3279% | 1,505 |
| Efficiency ratio | 71.5658% | 2,104 |
| Assets per employee ($millions) | 5.3929% | 2,075 |
| Cash dividends to net income (ytd only)* | 82.1586% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6809% | 897 |
| Loan loss allowance to noncurrent loans | 214.6001% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.6117% | 2,237 |
| Noncurrent loans to loans | 0.7833% | 2,077 |
| Net loans and leases to total assets | 70.5135% | 2,403 |
| Net loans and leases to deposits | 87.8821% | 1,889 |
| Net loans and leases to core deposits | 100.1391% | 1,610 |
| Total domestic deposits to total assets | 80.2364% | 4,132 |
| Equity capital to assets | 10.8501% | 2,996 |
| Core capital (leverage) ratio | 10.6741% | 2,872 |
| Tier 1 risk-based capital ratio | 15.1930% | 2,795 |
| Total risk-based capital ratio | 16.4489% | 2,704 |
| Memoranda: | ||
| Average total assets | $422,021,500 | 1,677 |
| Average earning assets | $383,739,000 | 1,717 |
| Average equity | $45,463,500 | 1,719 |
| Average total loans | $299,294,500 | 1,638 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8253% | 1,482 |
| Cost of funding earning assets | 0.5949% | 2,762 |
| Net interest margin | 4.2305% | 1,324 |
| Noninterest income to average assets | 0.4336% | 3,215 |
| Noninterest expense to average assets | 3.2234% | 1,496 |
| Loan and lease loss provision to assets | 0.0475% | 3,234 |
| Net operating income to assets | 1.0332% | 2,871 |
| Return on assets (ROA) | 1.0332% | 2,856 |
| Pretax return on assets | 1.0332% | 3,499 |
| Return on Equity (ROE) | 9.5723% | 2,704 |
| Retained earnings to average equity (ytd only) | 1.3360% | 4,599 |
| Net charge-offs to loans | 0.0244% | 2,918 |
| Credit loss provision to net charge-offs | 277.7778% | 1,092 |
| Earnings coverage of net charge-offs (x) | 63.1806% | 990 |
| Efficiency ratio | 74.8910% | 1,509 |
| Assets per employee ($millions) | 5.1012% | 2,381 |
| Cash dividends to net income (ytd only)* | 86.0428% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7285% | 788 |
| Loan loss allowance to noncurrent loans | 193.3685% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.6379% | 2,130 |
| Noncurrent loans to loans | 0.8939% | 1,800 |
| Net loans and leases to total assets | 68.9126% | 2,742 |
| Net loans and leases to deposits | 85.5796% | 2,334 |
| Net loans and leases to core deposits | 97.3612% | 1,935 |
| Total domestic deposits to total assets | 80.5246% | 3,992 |
| Equity capital to assets | 10.6960% | 2,990 |
| Core capital (leverage) ratio | 10.6010% | 2,926 |
| Tier 1 risk-based capital ratio | 15.1811% | 2,745 |
| Total risk-based capital ratio | 16.4374% | 2,679 |
| Memoranda: | ||
| Average total assets | $420,917,200 | 1,624 |
| Average earning assets | $385,112,400 | 1,649 |
| Average equity | $45,433,400 | 1,655 |
| Average total loans | $295,380,200 | 1,610 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7223% | 1,612 |
| Cost of funding earning assets | 0.5620% | 2,772 |
| Net interest margin | 4.1603% | 1,465 |
| Noninterest income to average assets | 0.4520% | 3,153 |
| Noninterest expense to average assets | 3.1704% | 1,598 |
| Loan and lease loss provision to assets | 0.0634% | 2,704 |
| Net operating income to assets | 1.0272% | 2,977 |
| Return on assets (ROA) | 1.0272% | 2,989 |
| Pretax return on assets | 1.0272% | 3,639 |
| Return on Equity (ROE) | 9.4947% | 2,851 |
| Retained earnings to average equity (ytd only) | 2.9733% | 4,247 |
| Net charge-offs to loans | 0.0411% | 2,261 |
| Credit loss provision to net charge-offs | 219.7802% | 1,291 |
| Earnings coverage of net charge-offs (x) | 37.7804% | 1,403 |
| Efficiency ratio | 74.4044% | 1,531 |
| Assets per employee ($millions) | 4.9484% | 2,535 |
| Cash dividends to net income (ytd only)* | 68.6843% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7538% | 793 |
| Loan loss allowance to noncurrent loans | 151.0934% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.8300% | 1,787 |
| Noncurrent loans to loans | 1.1607% | 1,452 |
| Net loans and leases to total assets | 68.0990% | 2,919 |
| Net loans and leases to deposits | 85.0398% | 2,470 |
| Net loans and leases to core deposits | 96.8549% | 2,040 |
| Total domestic deposits to total assets | 80.0790% | 4,103 |
| Equity capital to assets | 10.8380% | 2,813 |
| Core capital (leverage) ratio | 10.7282% | 2,858 |
| Tier 1 risk-based capital ratio | 15.1191% | 2,830 |
| Total risk-based capital ratio | 16.3753% | 2,752 |
| Memoranda: | ||
| Average total assets | $420,296,500 | 1,626 |
| Average earning assets | $384,800,750 | 1,656 |
| Average equity | $45,470,000 | 1,653 |
| Average total loans | $294,998,250 | 1,622 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6686% | 1,583 |
| Cost of funding earning assets | 0.5391% | 2,695 |
| Net interest margin | 4.1295% | 1,470 |
| Noninterest income to average assets | 0.4398% | 3,219 |
| Noninterest expense to average assets | 3.1624% | 1,627 |
| Loan and lease loss provision to assets | 0.0952% | 2,026 |
| Net operating income to assets | 0.9705% | 3,142 |
| Return on assets (ROA) | 0.9705% | 3,145 |
| Pretax return on assets | 0.9705% | 3,751 |
| Return on Equity (ROE) | 8.9762% | 3,030 |
| Retained earnings to average equity (ytd only) | 5.3972% | 2,876 |
| Net charge-offs to loans | 0.0378% | 2,097 |
| Credit loss provision to net charge-offs | 357.1429% | 888 |
| Earnings coverage of net charge-offs (x) | 39.9821% | 1,304 |
| Efficiency ratio | 74.7946% | 1,595 |
| Assets per employee ($millions) | 4.7808% | 2,707 |
| Cash dividends to net income (ytd only)* | 39.8725% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7664% | 799 |
| Loan loss allowance to noncurrent loans | 399.6894% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.3247% | 3,460 |
| Noncurrent loans to loans | 0.4419% | 3,110 |
| Net loans and leases to total assets | 69.6344% | 2,635 |
| Net loans and leases to deposits | 87.3982% | 2,173 |
| Net loans and leases to core deposits | 97.4954% | 1,925 |
| Total domestic deposits to total assets | 79.6749% | 4,313 |
| Equity capital to assets | 11.1552% | 2,501 |
| Core capital (leverage) ratio | 10.9145% | 2,590 |
| Tier 1 risk-based capital ratio | 16.5814% | 2,234 |
| Total risk-based capital ratio | 17.8397% | 2,175 |
| Memoranda: | ||
| Average total assets | $420,191,670 | 1,638 |
| Average earning assets | $385,472,000 | 1,660 |
| Average equity | $45,431,330 | 1,658 |
| Average total loans | $296,149,330 | 1,627 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5774% | 1,637 |
| Cost of funding earning assets | 0.5233% | 2,603 |
| Net interest margin | 4.0541% | 1,551 |
| Noninterest income to average assets | 0.3946% | 3,510 |
| Noninterest expense to average assets | 3.1692% | 1,644 |
| Loan and lease loss provision to assets | 0.1884% | 899 |
| Net operating income to assets | 0.7657% | 3,849 |
| Return on assets (ROA) | 0.7657% | 3,849 |
| Pretax return on assets | 0.7657% | 4,237 |
| Return on Equity (ROE) | 7.1923% | 3,704 |
| Retained earnings to average equity (ytd only) | 7.1923% | 2,186 |
| Net charge-offs to loans | 0.0241% | 2,021 |
| Credit loss provision to net charge-offs | 1,111.1111% | 318 |
| Earnings coverage of net charge-offs (x) | 56.2778% | 878 |
| Efficiency ratio | 76.8616% | 1,479 |
| Assets per employee ($millions) | 4.1031% | 3,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7642% | 836 |
| Loan loss allowance to noncurrent loans | 369.3020% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.4086% | 3,195 |
| Noncurrent loans to loans | 0.4777% | 3,089 |
| Net loans and leases to total assets | 68.9835% | 2,634 |
| Net loans and leases to deposits | 86.1360% | 2,149 |
| Net loans and leases to core deposits | 98.4968% | 1,802 |
| Total domestic deposits to total assets | 80.0867% | 4,401 |
| Equity capital to assets | 10.8819% | 2,699 |
| Core capital (leverage) ratio | 10.4896% | 2,954 |
| Tier 1 risk-based capital ratio | 16.3421% | 2,340 |
| Total risk-based capital ratio | 17.6005% | 2,282 |
| Memoranda: | ||
| Average total assets | $424,714,500 | 1,636 |
| Average earning assets | $390,614,000 | 1,648 |
| Average equity | $45,215,000 | 1,671 |
| Average total loans | $298,500,500 | 1,609 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8960% | 804 |
| Cost of funding earning assets | 0.4954% | 2,374 |
| Net interest margin | 4.4005% | 768 |
| Noninterest income to average assets | 0.4267% | 3,463 |
| Noninterest expense to average assets | 3.4791% | 1,070 |
| Loan and lease loss provision to assets | 0.3502% | 450 |
| Net operating income to assets | 0.6405% | 3,851 |
| Return on assets (ROA) | 0.6405% | 3,886 |
| Pretax return on assets | 0.6405% | 4,644 |
| Return on Equity (ROE) | 6.4578% | 3,549 |
| Retained earnings to average equity (ytd only) | 0.7691% | 4,735 |
| Net charge-offs to loans | 0.1621% | 1,505 |
| Credit loss provision to net charge-offs | 288.6598% | 973 |
| Earnings coverage of net charge-offs (x) | 8.1670% | 2,948 |
| Efficiency ratio | 77.8356% | 1,375 |
| Assets per employee ($millions) | 4.5841% | 3,056 |
| Cash dividends to net income (ytd only)* | 88.0906% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6506% | 1,038 |
| Loan loss allowance to noncurrent loans | 411.0929% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.4196% | 3,187 |
| Noncurrent loans to loans | 0.4015% | 3,325 |
| Net loans and leases to total assets | 69.1801% | 2,649 |
| Net loans and leases to deposits | 85.6212% | 2,309 |
| Net loans and leases to core deposits | 99.5405% | 1,750 |
| Total domestic deposits to total assets | 80.7978% | 4,168 |
| Equity capital to assets | 10.4168% | 3,245 |
| Core capital (leverage) ratio | 10.0392% | 3,406 |
| Tier 1 risk-based capital ratio | 15.2767% | 2,715 |
| Total risk-based capital ratio | 16.5331% | 2,647 |
| Memoranda: | ||
| Average total assets | $399,818,400 | 1,703 |
| Average earning assets | $367,343,600 | 1,722 |
| Average equity | $39,657,200 | 1,872 |
| Average total loans | $299,261,400 | 1,570 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9368% | 701 |
| Cost of funding earning assets | 0.4819% | 2,416 |
| Net interest margin | 4.4549% | 658 |
| Noninterest income to average assets | 0.4924% | 3,073 |
| Noninterest expense to average assets | 3.4675% | 1,042 |
| Loan and lease loss provision to assets | 0.3741% | 387 |
| Net operating income to assets | 0.7380% | 3,779 |
| Return on assets (ROA) | 0.7380% | 3,858 |
| Pretax return on assets | 0.7380% | 4,518 |
| Return on Equity (ROE) | 7.5444% | 3,369 |
| Retained earnings to average equity (ytd only) | 0.2051% | 5,171 |
| Net charge-offs to loans | 0.1529% | 1,329 |
| Credit loss provision to net charge-offs | 321.6374% | 933 |
| Earnings coverage of net charge-offs (x) | 9.5614% | 2,680 |
| Efficiency ratio | 75.7166% | 1,635 |
| Assets per employee ($millions) | 4.1643% | 3,715 |
| Cash dividends to net income (ytd only)* | 97.2813% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5920% | 1,259 |
| Loan loss allowance to noncurrent loans | 178.2273% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.7339% | 2,304 |
| Noncurrent loans to loans | 0.8932% | 2,142 |
| Net loans and leases to total assets | 68.5082% | 2,773 |
| Net loans and leases to deposits | 84.6045% | 2,481 |
| Net loans and leases to core deposits | 98.5038% | 1,844 |
| Total domestic deposits to total assets | 80.9746% | 4,053 |
| Equity capital to assets | 10.2261% | 3,667 |
| Core capital (leverage) ratio | 10.3235% | 3,173 |
| Tier 1 risk-based capital ratio | 15.6784% | 2,639 |
| Total risk-based capital ratio | 16.9348% | 2,580 |
| Memoranda: | ||
| Average total assets | $392,045,500 | 1,751 |
| Average earning assets | $359,681,750 | 1,764 |
| Average equity | $38,349,750 | 1,939 |
| Average total loans | $298,300,000 | 1,587 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0489% | 520 |
| Cost of funding earning assets | 0.4596% | 2,515 |
| Net interest margin | 4.5894% | 484 |
| Noninterest income to average assets | 0.5454% | 2,743 |
| Noninterest expense to average assets | 3.6077% | 864 |
| Loan and lease loss provision to assets | 0.4244% | 300 |
| Net operating income to assets | 0.7093% | 3,801 |
| Return on assets (ROA) | 0.7093% | 3,869 |
| Pretax return on assets | 0.7093% | 4,524 |
| Return on Equity (ROE) | 7.3810% | 3,350 |
| Retained earnings to average equity (ytd only) | -1.4574% | 5,285 |
| Net charge-offs to loans | 0.1154% | 1,481 |
| Credit loss provision to net charge-offs | 467.8363% | 695 |
| Earnings coverage of net charge-offs (x) | 12.4971% | 2,189 |
| Efficiency ratio | 76.0882% | 1,709 |
| Assets per employee ($millions) | 3.9823% | 3,980 |
| Cash dividends to net income (ytd only)* | 119.7457% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5367% | 1,445 |
| Loan loss allowance to noncurrent loans | 153.7985% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.9207% | 1,912 |
| Noncurrent loans to loans | 0.9992% | 1,963 |
| Net loans and leases to total assets | 72.9761% | 2,047 |
| Net loans and leases to deposits | 89.7429% | 1,767 |
| Net loans and leases to core deposits | 105.0967% | 1,284 |
| Total domestic deposits to total assets | 81.3169% | 4,100 |
| Equity capital to assets | 9.3821% | 4,534 |
| Core capital (leverage) ratio | 9.4225% | 4,210 |
| Tier 1 risk-based capital ratio | 14.7882% | 3,018 |
| Total risk-based capital ratio | 16.0461% | 2,945 |
| Memoranda: | ||
| Average total assets | $376,976,330 | 1,819 |
| Average earning assets | $344,666,670 | 1,835 |
| Average equity | $36,228,330 | 2,017 |
| Average total loans | $296,266,670 | 1,594 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2049% | 377 |
| Cost of funding earning assets | 0.4022% | 2,975 |
| Net interest margin | 4.8027% | 312 |
| Noninterest income to average assets | 0.5804% | 2,502 |
| Noninterest expense to average assets | 3.6229% | 868 |
| Loan and lease loss provision to assets | 0.5581% | 177 |
| Net operating income to assets | 0.7712% | 3,357 |
| Return on assets (ROA) | 0.7712% | 3,414 |
| Pretax return on assets | 0.7712% | 4,212 |
| Return on Equity (ROE) | 7.9166% | 2,963 |
| Retained earnings to average equity (ytd only) | 0.6416% | 4,763 |
| Net charge-offs to loans | 0.0014% | 2,917 |
| Credit loss provision to net charge-offs | 50,000.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 1,191.0000% | 34 |
| Efficiency ratio | 73.1575% | 2,380 |
| Assets per employee ($millions) | 3.9341% | 4,123 |
| Cash dividends to net income (ytd only)* | 91.8958% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5360% | 1,556 |
| Loan loss allowance to noncurrent loans | 138.5801% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 1.0795% | 1,657 |
| Noncurrent loans to loans | 1.1084% | 1,844 |
| Net loans and leases to total assets | 79.5131% | 897 |
| Net loans and leases to deposits | 90.1188% | 1,519 |
| Net loans and leases to core deposits | 102.8615% | 1,302 |
| Total domestic deposits to total assets | 88.2314% | 1,570 |
| Equity capital to assets | 9.4552% | 4,330 |
| Core capital (leverage) ratio | 9.4940% | 4,129 |
| Tier 1 risk-based capital ratio | 13.6988% | 3,661 |
| Total risk-based capital ratio | 14.9566% | 3,562 |
| Memoranda: | ||
| Average total assets | $358,384,500 | 1,899 |
| Average earning assets | $326,234,000 | 1,930 |
| Average equity | $34,914,000 | 2,085 |
| Average total loans | $290,922,500 | 1,625 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8993% | 740 |
| Cost of funding earning assets | 0.2804% | 4,253 |
| Net interest margin | 4.6188% | 491 |
| Noninterest income to average assets | 0.9540% | 1,253 |
| Noninterest expense to average assets | 3.8481% | 731 |
| Loan and lease loss provision to assets | 0.4157% | 363 |
| Net operating income to assets | 0.8813% | 2,923 |
| Return on assets (ROA) | 0.8940% | 2,977 |
| Pretax return on assets | 0.8940% | 3,869 |
| Return on Equity (ROE) | 8.7110% | 2,558 |
| Retained earnings to average equity (ytd only) | 2.3636% | 4,180 |
| Net charge-offs to loans | 0.1209% | 2,049 |
| Credit loss provision to net charge-offs | 450.1608% | 714 |
| Earnings coverage of net charge-offs (x) | 14.0450% | 2,322 |
| Efficiency ratio | 73.4361% | 2,356 |
| Assets per employee ($millions) | 3.6911% | 4,495 |
| Cash dividends to net income (ytd only)* | 72.8662% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4434% | 1,897 |
| Loan loss allowance to noncurrent loans | 233.3333% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.9197% | 2,060 |
| Noncurrent loans to loans | 0.6186% | 2,994 |
| Net loans and leases to total assets | 80.4483% | 820 |
| Net loans and leases to deposits | 91.9308% | 1,467 |
| Net loans and leases to core deposits | 99.9112% | 1,632 |
| Total domestic deposits to total assets | 87.5096% | 1,873 |
| Equity capital to assets | 10.0478% | 3,676 |
| Core capital (leverage) ratio | 9.8867% | 3,647 |
| Tier 1 risk-based capital ratio | 15.0696% | 2,939 |
| Total risk-based capital ratio | 16.3271% | 2,866 |
| Memoranda: | ||
| Average total assets | $336,791,800 | 1,967 |
| Average earning assets | $305,595,800 | 2,006 |
| Average equity | $34,565,600 | 2,105 |
| Average total loans | $257,248,400 | 1,750 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8254% | 847 |
| Cost of funding earning assets | 0.2657% | 4,435 |
| Net interest margin | 4.5597% | 546 |
| Noninterest income to average assets | 0.7970% | 1,775 |
| Noninterest expense to average assets | 3.7867% | 755 |
| Loan and lease loss provision to assets | 0.2393% | 806 |
| Net operating income to assets | 0.9055% | 2,874 |
| Return on assets (ROA) | 0.9226% | 2,921 |
| Pretax return on assets | 0.9226% | 3,901 |
| Return on Equity (ROE) | 8.9411% | 2,527 |
| Retained earnings to average equity (ytd only) | 2.1415% | 4,619 |
| Net charge-offs to loans | 0.1356% | 1,619 |
| Credit loss provision to net charge-offs | 235.2941% | 1,251 |
| Earnings coverage of net charge-offs (x) | 11.2549% | 2,505 |
| Efficiency ratio | 76.7856% | 1,861 |
| Assets per employee ($millions) | 3.1874% | 5,199 |
| Cash dividends to net income (ytd only)* | 76.0483% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 2,869 |
| Loan loss allowance to noncurrent loans | 203.9024% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 1.0016% | 2,065 |
| Noncurrent loans to loans | 0.6199% | 3,157 |
| Net loans and leases to total assets | 78.0487% | 1,184 |
| Net loans and leases to deposits | 89.6661% | 1,802 |
| Net loans and leases to core deposits | 97.0153% | 1,902 |
| Total domestic deposits to total assets | 87.0438% | 1,870 |
| Equity capital to assets | 10.4167% | 3,650 |
| Core capital (leverage) ratio | 10.0732% | 3,469 |
| Tier 1 risk-based capital ratio | 15.3727% | 2,882 |
| Total risk-based capital ratio | 16.6265% | 2,813 |
| Memoranda: | ||
| Average total assets | $334,249,250 | 1,984 |
| Average earning assets | $303,085,250 | 2,031 |
| Average equity | $34,491,500 | 2,118 |
| Average total loans | $250,757,250 | 1,789 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6863% | 1,077 |
| Cost of funding earning assets | 0.2654% | 4,496 |
| Net interest margin | 4.4208% | 727 |
| Noninterest income to average assets | 0.8099% | 1,671 |
| Noninterest expense to average assets | 3.7874% | 784 |
| Loan and lease loss provision to assets | 0.1796% | 1,216 |
| Net operating income to assets | 0.8608% | 3,047 |
| Return on assets (ROA) | 0.8865% | 3,050 |
| Pretax return on assets | 0.8865% | 4,000 |
| Return on Equity (ROE) | 8.6185% | 2,684 |
| Retained earnings to average equity (ytd only) | 1.8680% | 4,621 |
| Net charge-offs to loans | 0.1690% | 1,326 |
| Credit loss provision to net charge-offs | 144.2308% | 1,640 |
| Earnings coverage of net charge-offs (x) | 8.3558% | 2,520 |
| Efficiency ratio | 78.4501% | 1,723 |
| Assets per employee ($millions) | 3.4894% | 4,766 |
| Cash dividends to net income (ytd only)* | 78.3255% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1881% | 3,429 |
| Loan loss allowance to noncurrent loans | 245.3175% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.8741% | 2,410 |
| Noncurrent loans to loans | 0.4843% | 3,640 |
| Net loans and leases to total assets | 78.3747% | 1,148 |
| Net loans and leases to deposits | 90.2355% | 1,729 |
| Net loans and leases to core deposits | 97.6472% | 1,838 |
| Total domestic deposits to total assets | 86.8556% | 1,984 |
| Equity capital to assets | 10.5679% | 3,563 |
| Core capital (leverage) ratio | 9.8936% | 3,693 |
| Tier 1 risk-based capital ratio | 15.6052% | 2,823 |
| Total risk-based capital ratio | 16.8580% | 2,760 |
| Memoranda: | ||
| Average total assets | $334,108,000 | 1,996 |
| Average earning assets | $303,652,330 | 2,032 |
| Average equity | $34,368,000 | 2,128 |
| Average total loans | $246,159,000 | 1,820 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5310% | 1,424 |
| Cost of funding earning assets | 0.2576% | 4,630 |
| Net interest margin | 4.2733% | 966 |
| Noninterest income to average assets | 0.9372% | 1,216 |
| Noninterest expense to average assets | 3.6718% | 932 |
| Loan and lease loss provision to assets | 0.0878% | 2,219 |
| Net operating income to assets | 1.0737% | 1,997 |
| Return on assets (ROA) | 1.0737% | 2,110 |
| Pretax return on assets | 1.0737% | 3,191 |
| Return on Equity (ROE) | 10.5785% | 1,754 |
| Retained earnings to average equity (ytd only) | 2.0222% | 4,449 |
| Net charge-offs to loans | 0.0485% | 2,070 |
| Credit loss provision to net charge-offs | 255.1724% | 932 |
| Earnings coverage of net charge-offs (x) | 33.7586% | 1,112 |
| Efficiency ratio | 75.9696% | 2,180 |
| Assets per employee ($millions) | 3.5425% | 4,751 |
| Cash dividends to net income (ytd only)* | 80.8840% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2555% | 3,148 |
| Loan loss allowance to noncurrent loans | 132.6940% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 1.0400% | 2,132 |
| Noncurrent loans to loans | 0.9462% | 2,484 |
| Net loans and leases to total assets | 71.8941% | 2,059 |
| Net loans and leases to deposits | 82.4090% | 2,495 |
| Net loans and leases to core deposits | 89.1641% | 2,446 |
| Total domestic deposits to total assets | 87.2406% | 2,079 |
| Equity capital to assets | 10.3440% | 3,693 |
| Core capital (leverage) ratio | 9.8756% | 3,691 |
| Tier 1 risk-based capital ratio | 15.7934% | 2,785 |
| Total risk-based capital ratio | 17.0463% | 2,718 |
| Memoranda: | ||
| Average total assets | $337,160,000 | 1,986 |
| Average earning assets | $307,394,500 | 2,012 |
| Average equity | $34,220,500 | 2,130 |
| Average total loans | $239,157,000 | 1,865 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3306% | 2,116 |
| Cost of funding earning assets | 0.2681% | 4,613 |
| Net interest margin | 4.0624% | 1,512 |
| Noninterest income to average assets | 0.6933% | 2,238 |
| Noninterest expense to average assets | 3.4776% | 1,337 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9400% | 2,661 |
| Return on assets (ROA) | 0.9411% | 2,729 |
| Pretax return on assets | 0.9411% | 3,690 |
| Return on Equity (ROE) | 9.1590% | 2,389 |
| Retained earnings to average equity (ytd only) | 0.5730% | 5,287 |
| Net charge-offs to loans | 0.2790% | 1,092 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 5.1750% | 3,426 |
| Efficiency ratio | 78.7218% | 1,856 |
| Assets per employee ($millions) | 3.6311% | 4,591 |
| Cash dividends to net income (ytd only)* | 93.7441% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 3,058 |
| Loan loss allowance to noncurrent loans | 181.2085% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.7951% | 2,683 |
| Noncurrent loans to loans | 0.7017% | 3,092 |
| Net loans and leases to total assets | 68.2245% | 2,677 |
| Net loans and leases to deposits | 77.8961% | 3,062 |
| Net loans and leases to core deposits | 84.0745% | 2,958 |
| Total domestic deposits to total assets | 87.5840% | 1,852 |
| Equity capital to assets | 9.9600% | 4,008 |
| Core capital (leverage) ratio | 9.7017% | 3,907 |
| Tier 1 risk-based capital ratio | 15.5932% | 2,886 |
| Total risk-based capital ratio | 16.8459% | 2,816 |
| Memoranda: | ||
| Average total assets | $339,692,800 | 1,924 |
| Average earning assets | $311,414,400 | 1,946 |
| Average equity | $34,905,600 | 2,040 |
| Average total loans | $221,183,000 | 1,919 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2537% | 2,388 |
| Cost of funding earning assets | 0.2718% | 4,644 |
| Net interest margin | 3.9820% | 1,757 |
| Noninterest income to average assets | 0.6956% | 2,240 |
| Noninterest expense to average assets | 3.4212% | 1,432 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9251% | 2,831 |
| Return on assets (ROA) | 0.9251% | 2,918 |
| Pretax return on assets | 0.9251% | 3,897 |
| Return on Equity (ROE) | 8.9335% | 2,611 |
| Retained earnings to average equity (ytd only) | 8.1365% | 1,196 |
| Net charge-offs to loans | 0.3592% | 731 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 4.0171% | 3,416 |
| Efficiency ratio | 78.7161% | 1,856 |
| Assets per employee ($millions) | 3.6997% | 4,448 |
| Cash dividends to net income (ytd only)* | 8.9209% | 3,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3601% | 2,788 |
| Loan loss allowance to noncurrent loans | 86.2020% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 1.3677% | 1,692 |
| Noncurrent loans to loans | 1.5779% | 1,579 |
| Net loans and leases to total assets | 65.9942% | 3,014 |
| Net loans and leases to deposits | 76.2788% | 3,267 |
| Net loans and leases to core deposits | 82.7622% | 3,172 |
| Total domestic deposits to total assets | 86.5171% | 2,274 |
| Equity capital to assets | 10.9070% | 3,121 |
| Core capital (leverage) ratio | 10.3775% | 3,180 |
| Tier 1 risk-based capital ratio | 16.2354% | 2,697 |
| Total risk-based capital ratio | 17.4879% | 2,651 |
| Memoranda: | ||
| Average total assets | $339,284,500 | 1,944 |
| Average earning assets | $311,059,750 | 1,958 |
| Average equity | $35,133,000 | 2,042 |
| Average total loans | $217,512,000 | 1,948 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2127% | 2,502 |
| Cost of funding earning assets | 0.2738% | 4,680 |
| Net interest margin | 3.9389% | 1,861 |
| Noninterest income to average assets | 0.6848% | 2,280 |
| Noninterest expense to average assets | 3.3780% | 1,515 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9221% | 2,774 |
| Return on assets (ROA) | 0.9221% | 2,897 |
| Pretax return on assets | 0.9221% | 3,874 |
| Return on Equity (ROE) | 9.0620% | 2,504 |
| Retained earnings to average equity (ytd only) | 8.1754% | 1,196 |
| Net charge-offs to loans | 0.0158% | 3,392 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 92.5882% | 632 |
| Efficiency ratio | 78.5559% | 1,982 |
| Assets per employee ($millions) | 3.3813% | 5,018 |
| Cash dividends to net income (ytd only)* | 9.7840% | 3,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6575% | 1,722 |
| Loan loss allowance to noncurrent loans | 105.0803% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 1.3523% | 1,852 |
| Noncurrent loans to loans | 1.5773% | 1,672 |
| Net loans and leases to total assets | 64.4423% | 3,203 |
| Net loans and leases to deposits | 74.3846% | 3,446 |
| Net loans and leases to core deposits | 80.8486% | 3,294 |
| Total domestic deposits to total assets | 86.6340% | 2,355 |
| Equity capital to assets | 10.6705% | 3,250 |
| Core capital (leverage) ratio | 10.1477% | 3,401 |
| Tier 1 risk-based capital ratio | 16.4526% | 2,631 |
| Total risk-based capital ratio | 17.7092% | 2,585 |
| Memoranda: | ||
| Average total assets | $341,389,330 | 1,941 |
| Average earning assets | $313,336,330 | 1,959 |
| Average equity | $34,738,330 | 2,074 |
| Average total loans | $215,759,000 | 1,967 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1615% | 2,598 |
| Cost of funding earning assets | 0.2726% | 4,756 |
| Net interest margin | 3.8889% | 1,935 |
| Noninterest income to average assets | 0.7529% | 1,898 |
| Noninterest expense to average assets | 3.3221% | 1,665 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0058% | 2,241 |
| Return on assets (ROA) | 1.0058% | 2,378 |
| Pretax return on assets | 1.0058% | 3,476 |
| Return on Equity (ROE) | 10.1195% | 1,949 |
| Retained earnings to average equity (ytd only) | 8.3303% | 1,444 |
| Net charge-offs to loans | 0.0260% | 2,646 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 62.2143% | 718 |
| Efficiency ratio | 76.7609% | 2,383 |
| Assets per employee ($millions) | 3.4534% | 4,980 |
| Cash dividends to net income (ytd only)* | 17.6808% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6630% | 1,841 |
| Loan loss allowance to noncurrent loans | 97.4297% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.4600% | 1,805 |
| Noncurrent loans to loans | 1.7069% | 1,608 |
| Net loans and leases to total assets | 62.9187% | 3,245 |
| Net loans and leases to deposits | 72.2700% | 3,513 |
| Net loans and leases to core deposits | 78.8437% | 3,292 |
| Total domestic deposits to total assets | 87.0606% | 2,342 |
| Equity capital to assets | 10.3400% | 3,735 |
| Core capital (leverage) ratio | 9.7128% | 4,000 |
| Tier 1 risk-based capital ratio | 16.2746% | 2,786 |
| Total risk-based capital ratio | 17.5312% | 2,728 |
| Memoranda: | ||
| Average total assets | $346,402,500 | 1,918 |
| Average earning assets | $318,443,500 | 1,933 |
| Average equity | $34,428,500 | 2,105 |
| Average total loans | $215,070,000 | 1,975 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2280% | 2,857 |
| Cost of funding earning assets | 0.3010% | 4,784 |
| Net interest margin | 3.9270% | 2,129 |
| Noninterest income to average assets | 0.9399% | 1,381 |
| Noninterest expense to average assets | 3.4816% | 1,523 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0658% | 2,108 |
| Return on assets (ROA) | 1.0658% | 2,163 |
| Pretax return on assets | 1.0658% | 3,225 |
| Return on Equity (ROE) | 10.3865% | 1,959 |
| Retained earnings to average equity (ytd only) | -4.2248% | 6,147 |
| Net charge-offs to loans | 0.0703% | 3,473 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 24.5033% | 1,530 |
| Efficiency ratio | 76.5630% | 2,428 |
| Assets per employee ($millions) | 3.6161% | 4,692 |
| Cash dividends to net income (ytd only)* | 140.6757% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6929% | 1,792 |
| Loan loss allowance to noncurrent loans | 108.7519% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 1.2952% | 2,177 |
| Noncurrent loans to loans | 1.5566% | 1,881 |
| Net loans and leases to total assets | 59.2556% | 3,887 |
| Net loans and leases to deposits | 68.1877% | 4,108 |
| Net loans and leases to core deposits | 73.9242% | 3,924 |
| Total domestic deposits to total assets | 86.9008% | 2,333 |
| Equity capital to assets | 9.5558% | 4,648 |
| Core capital (leverage) ratio | 9.2194% | 4,651 |
| Tier 1 risk-based capital ratio | 15.4202% | 3,266 |
| Total risk-based capital ratio | 16.6762% | 3,207 |
| Memoranda: | ||
| Average total assets | $347,164,400 | 1,876 |
| Average earning assets | $318,921,400 | 1,880 |
| Average equity | $35,623,000 | 1,963 |
| Average total loans | $214,828,000 | 1,937 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2303% | 2,888 |
| Cost of funding earning assets | 0.3095% | 4,787 |
| Net interest margin | 3.9208% | 2,155 |
| Noninterest income to average assets | 0.9918% | 1,247 |
| Noninterest expense to average assets | 3.5309% | 1,409 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0605% | 2,192 |
| Return on assets (ROA) | 1.0605% | 2,260 |
| Pretax return on assets | 1.0605% | 3,339 |
| Return on Equity (ROE) | 10.1561% | 2,144 |
| Retained earnings to average equity (ytd only) | 4.5105% | 3,441 |
| Net charge-offs to loans | 0.0657% | 3,259 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 25.9151% | 1,497 |
| Efficiency ratio | 76.9024% | 2,360 |
| Assets per employee ($millions) | 3.5285% | 4,806 |
| Cash dividends to net income (ytd only)* | 55.5879% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7030% | 1,962 |
| Loan loss allowance to noncurrent loans | 81.5549% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 1.5902% | 1,920 |
| Noncurrent loans to loans | 2.0882% | 1,502 |
| Net loans and leases to total assets | 60.4909% | 3,703 |
| Net loans and leases to deposits | 69.8128% | 3,938 |
| Net loans and leases to core deposits | 75.8840% | 3,758 |
| Total domestic deposits to total assets | 86.6473% | 2,501 |
| Equity capital to assets | 10.5627% | 3,481 |
| Core capital (leverage) ratio | 10.0830% | 3,551 |
| Tier 1 risk-based capital ratio | 16.2344% | 2,937 |
| Total risk-based capital ratio | 17.4902% | 2,887 |
| Memoranda: | ||
| Average total assets | $345,362,250 | 1,894 |
| Average earning assets | $317,072,500 | 1,898 |
| Average equity | $36,063,000 | 1,953 |
| Average total loans | $215,134,500 | 1,949 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2587% | 2,742 |
| Cost of funding earning assets | 0.3157% | 4,818 |
| Net interest margin | 3.9431% | 2,003 |
| Noninterest income to average assets | 1.1615% | 864 |
| Noninterest expense to average assets | 3.5606% | 1,367 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2173% | 1,542 |
| Return on assets (ROA) | 1.2173% | 1,600 |
| Pretax return on assets | 1.2173% | 2,586 |
| Return on Equity (ROE) | 11.7033% | 1,521 |
| Retained earnings to average equity (ytd only) | 6.0529% | 2,287 |
| Net charge-offs to loans | 0.0335% | 3,539 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 58.1667% | 823 |
| Efficiency ratio | 74.5224% | 2,889 |
| Assets per employee ($millions) | 3.6550% | 4,540 |
| Cash dividends to net income (ytd only)* | 48.2808% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7037% | 2,122 |
| Loan loss allowance to noncurrent loans | 99.1230% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 1.3907% | 2,351 |
| Noncurrent loans to loans | 1.7188% | 2,010 |
| Net loans and leases to total assets | 61.9784% | 3,410 |
| Net loans and leases to deposits | 71.5195% | 3,636 |
| Net loans and leases to core deposits | 81.4248% | 3,044 |
| Total domestic deposits to total assets | 86.6594% | 2,667 |
| Equity capital to assets | 10.5557% | 3,374 |
| Core capital (leverage) ratio | 10.2280% | 3,292 |
| Tier 1 risk-based capital ratio | 15.6765% | 3,258 |
| Total risk-based capital ratio | 16.9320% | 3,195 |
| Memoranda: | ||
| Average total assets | $344,042,330 | 1,901 |
| Average earning assets | $315,539,330 | 1,901 |
| Average equity | $35,784,670 | 1,957 |
| Average total loans | $215,189,670 | 1,939 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1754% | 2,964 |
| Cost of funding earning assets | 0.3224% | 4,829 |
| Net interest margin | 3.8531% | 2,261 |
| Noninterest income to average assets | 0.6588% | 2,407 |
| Noninterest expense to average assets | 3.5801% | 1,343 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6249% | 4,068 |
| Return on assets (ROA) | 0.6249% | 4,155 |
| Pretax return on assets | 0.6249% | 4,743 |
| Return on Equity (ROE) | 6.0536% | 3,997 |
| Retained earnings to average equity (ytd only) | 1.6859% | 4,940 |
| Net charge-offs to loans | 0.0413% | 2,804 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 24.3182% | 1,183 |
| Efficiency ratio | 85.1389% | 1,530 |
| Assets per employee ($millions) | 3.5964% | 4,731 |
| Cash dividends to net income (ytd only)* | 72.1495% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7335% | 2,236 |
| Loan loss allowance to noncurrent loans | 91.6993% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 1.5499% | 2,280 |
| Noncurrent loans to loans | 1.8905% | 2,011 |
| Net loans and leases to total assets | 61.4863% | 3,315 |
| Net loans and leases to deposits | 70.6858% | 3,516 |
| Net loans and leases to core deposits | 79.7909% | 2,990 |
| Total domestic deposits to total assets | 86.9854% | 2,820 |
| Equity capital to assets | 10.2790% | 3,506 |
| Core capital (leverage) ratio | 10.0808% | 3,455 |
| Tier 1 risk-based capital ratio | 14.6926% | 3,888 |
| Total risk-based capital ratio | 15.9474% | 3,843 |
| Memoranda: | ||
| Average total assets | $342,450,500 | 1,916 |
| Average earning assets | $315,177,500 | 1,907 |
| Average equity | $35,351,000 | 1,969 |
| Average total loans | $213,317,000 | 1,955 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2081% | 3,320 |
| Cost of funding earning assets | 0.4036% | 4,612 |
| Net interest margin | 3.8044% | 2,640 |
| Noninterest income to average assets | 0.8274% | 1,950 |
| Noninterest expense to average assets | 3.3856% | 1,912 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9720% | 2,461 |
| Return on assets (ROA) | 0.9720% | 2,527 |
| Pretax return on assets | 0.9720% | 3,466 |
| Return on Equity (ROE) | 9.7524% | 2,217 |
| Retained earnings to average equity (ytd only) | 5.0963% | 2,527 |
| Net charge-offs to loans | 0.0953% | 3,892 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 17.6524% | 1,702 |
| Efficiency ratio | 77.6944% | 2,512 |
| Assets per employee ($millions) | 3.6132% | 4,647 |
| Cash dividends to net income (ytd only)* | 47.7431% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7882% | 2,099 |
| Loan loss allowance to noncurrent loans | 86.0407% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 1.6706% | 2,208 |
| Noncurrent loans to loans | 2.0783% | 1,908 |
| Net loans and leases to total assets | 60.8982% | 3,558 |
| Net loans and leases to deposits | 70.1372% | 3,768 |
| Net loans and leases to core deposits | 79.5734% | 3,181 |
| Total domestic deposits to total assets | 86.8273% | 2,818 |
| Equity capital to assets | 10.3677% | 3,325 |
| Core capital (leverage) ratio | 10.0456% | 3,499 |
| Tier 1 risk-based capital ratio | 15.0850% | 3,620 |
| Total risk-based capital ratio | 16.3272% | 3,565 |
| Memoranda: | ||
| Average total assets | $339,618,600 | 1,893 |
| Average earning assets | $315,133,400 | 1,881 |
| Average equity | $33,848,000 | 2,034 |
| Average total loans | $196,245,800 | 2,034 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2129% | 3,340 |
| Cost of funding earning assets | 0.4220% | 4,588 |
| Net interest margin | 3.7908% | 2,674 |
| Noninterest income to average assets | 0.9100% | 1,722 |
| Noninterest expense to average assets | 3.4187% | 1,780 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0141% | 2,321 |
| Return on assets (ROA) | 1.0141% | 2,410 |
| Pretax return on assets | 1.0141% | 3,455 |
| Return on Equity (ROE) | 10.2783% | 2,073 |
| Retained earnings to average equity (ytd only) | 4.4090% | 3,535 |
| Net charge-offs to loans | 0.1017% | 3,523 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 17.5710% | 1,727 |
| Efficiency ratio | 77.1234% | 2,537 |
| Assets per employee ($millions) | 3.5842% | 4,680 |
| Cash dividends to net income (ytd only)* | 57.1043% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8947% | 2,021 |
| Loan loss allowance to noncurrent loans | 171.3321% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 1.0652% | 3,524 |
| Noncurrent loans to loans | 1.1058% | 3,583 |
| Net loans and leases to total assets | 58.5089% | 3,920 |
| Net loans and leases to deposits | 67.5352% | 4,116 |
| Net loans and leases to core deposits | 76.7527% | 3,528 |
| Total domestic deposits to total assets | 86.6347% | 2,893 |
| Equity capital to assets | 10.4462% | 3,349 |
| Core capital (leverage) ratio | 10.1628% | 3,456 |
| Tier 1 risk-based capital ratio | 15.7207% | 3,338 |
| Total risk-based capital ratio | 16.9628% | 3,297 |
| Memoranda: | ||
| Average total assets | $339,612,750 | 1,904 |
| Average earning assets | $315,596,000 | 1,892 |
| Average equity | $33,506,750 | 2,076 |
| Average total loans | $192,656,750 | 2,072 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2080% | 3,336 |
| Cost of funding earning assets | 0.4421% | 4,518 |
| Net interest margin | 3.7658% | 2,691 |
| Noninterest income to average assets | 0.8846% | 1,873 |
| Noninterest expense to average assets | 3.3532% | 1,926 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0384% | 2,160 |
| Return on assets (ROA) | 1.0384% | 2,283 |
| Pretax return on assets | 1.0384% | 3,339 |
| Return on Equity (ROE) | 10.7334% | 1,917 |
| Retained earnings to average equity (ytd only) | 3.8490% | 3,848 |
| Net charge-offs to loans | 0.1443% | 2,946 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 12.9051% | 1,940 |
| Efficiency ratio | 76.3542% | 2,733 |
| Assets per employee ($millions) | 3.4555% | 4,946 |
| Cash dividends to net income (ytd only)* | 64.1403% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9880% | 1,881 |
| Loan loss allowance to noncurrent loans | 153.3548% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 1.1295% | 3,481 |
| Noncurrent loans to loans | 1.2963% | 3,388 |
| Net loans and leases to total assets | 56.1437% | 4,262 |
| Net loans and leases to deposits | 64.4572% | 4,441 |
| Net loans and leases to core deposits | 72.9076% | 3,943 |
| Total domestic deposits to total assets | 87.1023% | 2,756 |
| Equity capital to assets | 10.0297% | 3,879 |
| Core capital (leverage) ratio | 9.6459% | 4,015 |
| Tier 1 risk-based capital ratio | 15.8466% | 3,292 |
| Total risk-based capital ratio | 17.1048% | 3,232 |
| Memoranda: | ||
| Average total assets | $340,511,000 | 1,908 |
| Average earning assets | $317,113,670 | 1,889 |
| Average equity | $32,944,000 | 2,113 |
| Average total loans | $189,897,670 | 2,102 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1820% | 3,373 |
| Cost of funding earning assets | 0.4727% | 4,344 |
| Net interest margin | 3.7093% | 2,816 |
| Noninterest income to average assets | 0.6481% | 2,885 |
| Noninterest expense to average assets | 3.2671% | 2,170 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8381% | 2,957 |
| Return on assets (ROA) | 0.8381% | 3,101 |
| Pretax return on assets | 0.8381% | 4,009 |
| Return on Equity (ROE) | 8.8202% | 2,567 |
| Retained earnings to average equity (ytd only) | 3.2263% | 4,313 |
| Net charge-offs to loans | 0.0381% | 3,492 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 39.9444% | 791 |
| Efficiency ratio | 79.5855% | 2,392 |
| Assets per employee ($millions) | 3.7492% | 4,450 |
| Cash dividends to net income (ytd only)* | 63.4214% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0777% | 1,849 |
| Loan loss allowance to noncurrent loans | 97.7403% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 1.9330% | 2,428 |
| Noncurrent loans to loans | 2.1258% | 2,467 |
| Net loans and leases to total assets | 55.5934% | 4,154 |
| Net loans and leases to deposits | 63.7110% | 4,352 |
| Net loans and leases to core deposits | 71.4297% | 3,893 |
| Total domestic deposits to total assets | 87.2587% | 2,783 |
| Equity capital to assets | 9.8595% | 4,335 |
| Core capital (leverage) ratio | 8.8032% | 5,184 |
| Tier 1 risk-based capital ratio | 15.0890% | 3,779 |
| Total risk-based capital ratio | 16.3532% | 3,725 |
| Memoranda: | ||
| Average total assets | $343,175,000 | 1,924 |
| Average earning assets | $319,848,000 | 1,897 |
| Average equity | $32,607,000 | 2,147 |
| Average total loans | $188,846,000 | 2,128 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2780% | 4,282 |
| Cost of funding earning assets | 0.6763% | 3,676 |
| Net interest margin | 3.6017% | 4,075 |
| Noninterest income to average assets | 0.6906% | 2,770 |
| Noninterest expense to average assets | 3.0561% | 3,070 |
| Loan and lease loss provision to assets | 0.0903% | 4,563 |
| Net operating income to assets | 0.8472% | 3,060 |
| Return on assets (ROA) | 0.9339% | 2,873 |
| Pretax return on assets | 0.9339% | 3,796 |
| Return on Equity (ROE) | 9.9768% | 2,177 |
| Retained earnings to average equity (ytd only) | 4.6828% | 2,918 |
| Net charge-offs to loans | -0.2644% | 6,963 |
| Credit loss provision to net charge-offs | -60.8519% | 6,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5247% | 2,660 |
| Assets per employee ($millions) | 4.0076% | 3,931 |
| Cash dividends to net income (ytd only)* | 53.0625% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1004% | 1,769 |
| Loan loss allowance to noncurrent loans | 98.4317% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 1.4611% | 3,192 |
| Noncurrent loans to loans | 2.1338% | 2,544 |
| Net loans and leases to total assets | 52.2579% | 4,892 |
| Net loans and leases to deposits | 59.3349% | 5,090 |
| Net loans and leases to core deposits | 67.0690% | 4,638 |
| Total domestic deposits to total assets | 88.0728% | 2,193 |
| Equity capital to assets | 9.1629% | 5,322 |
| Core capital (leverage) ratio | 8.4410% | 5,705 |
| Tier 1 risk-based capital ratio | 15.0052% | 3,716 |
| Total risk-based capital ratio | 16.2697% | 3,661 |
| Memoranda: | ||
| Average total assets | $332,151,400 | 1,938 |
| Average earning assets | $304,604,600 | 1,943 |
| Average equity | $31,092,200 | 2,192 |
| Average total loans | $186,492,200 | 2,126 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3767% | 4,147 |
| Cost of funding earning assets | 0.7208% | 3,586 |
| Net interest margin | 3.6559% | 3,980 |
| Noninterest income to average assets | 0.7045% | 2,696 |
| Noninterest expense to average assets | 3.0619% | 3,006 |
| Loan and lease loss provision to assets | 0.1223% | 4,023 |
| Net operating income to assets | 0.8537% | 3,194 |
| Return on assets (ROA) | 0.8537% | 3,444 |
| Pretax return on assets | 0.8537% | 4,287 |
| Return on Equity (ROE) | 9.0687% | 2,766 |
| Retained earnings to average equity (ytd only) | 2.3776% | 5,146 |
| Net charge-offs to loans | -0.3676% | 7,075 |
| Credit loss provision to net charge-offs | -58.4795% | 6,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8279% | 2,703 |
| Assets per employee ($millions) | 3.9313% | 4,013 |
| Cash dividends to net income (ytd only)* | 73.7823% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1770% | 1,754 |
| Loan loss allowance to noncurrent loans | 118.8397% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 1.3099% | 3,675 |
| Noncurrent loans to loans | 1.8319% | 3,031 |
| Net loans and leases to total assets | 52.2108% | 5,016 |
| Net loans and leases to deposits | 59.4306% | 5,266 |
| Net loans and leases to core deposits | 66.9909% | 4,841 |
| Total domestic deposits to total assets | 87.8518% | 2,127 |
| Equity capital to assets | 9.3650% | 5,387 |
| Core capital (leverage) ratio | 8.4304% | 5,856 |
| Tier 1 risk-based capital ratio | 14.5769% | 4,133 |
| Total risk-based capital ratio | 15.8418% | 4,093 |
| Memoranda: | ||
| Average total assets | $327,021,250 | 1,985 |
| Average earning assets | $298,176,750 | 2,001 |
| Average equity | $30,786,500 | 2,228 |
| Average total loans | $186,052,000 | 2,150 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5365% | 3,620 |
| Cost of funding earning assets | 0.7551% | 3,570 |
| Net interest margin | 3.7815% | 3,448 |
| Noninterest income to average assets | 0.6198% | 3,128 |
| Noninterest expense to average assets | 3.1147% | 2,879 |
| Loan and lease loss provision to assets | 0.1863% | 3,240 |
| Net operating income to assets | 0.7341% | 3,686 |
| Return on assets (ROA) | 0.7341% | 3,955 |
| Pretax return on assets | 0.7341% | 4,728 |
| Return on Equity (ROE) | 7.7835% | 3,354 |
| Retained earnings to average equity (ytd only) | 1.1919% | 5,597 |
| Net charge-offs to loans | -0.5683% | 7,143 |
| Credit loss provision to net charge-offs | -56.3910% | 6,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1895% | 2,565 |
| Assets per employee ($millions) | 3.6975% | 4,525 |
| Cash dividends to net income (ytd only)* | 84.6870% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1740% | 1,835 |
| Loan loss allowance to noncurrent loans | 128.2686% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 1.4991% | 3,456 |
| Noncurrent loans to loans | 1.6949% | 3,358 |
| Net loans and leases to total assets | 54.6006% | 4,690 |
| Net loans and leases to deposits | 62.2448% | 4,968 |
| Net loans and leases to core deposits | 70.4923% | 4,472 |
| Total domestic deposits to total assets | 87.7192% | 2,326 |
| Equity capital to assets | 9.4778% | 5,096 |
| Core capital (leverage) ratio | 8.5908% | 5,532 |
| Tier 1 risk-based capital ratio | 14.1841% | 4,317 |
| Total risk-based capital ratio | 15.4486% | 4,269 |
| Memoranda: | ||
| Average total assets | $322,022,000 | 2,014 |
| Average earning assets | $290,840,000 | 2,045 |
| Average equity | $30,372,000 | 2,238 |
| Average total loans | $187,221,000 | 2,139 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6396% | 3,313 |
| Cost of funding earning assets | 0.7756% | 3,654 |
| Net interest margin | 3.8640% | 3,080 |
| Noninterest income to average assets | 0.5978% | 3,246 |
| Noninterest expense to average assets | 3.1649% | 2,720 |
| Loan and lease loss provision to assets | 0.1884% | 3,077 |
| Net operating income to assets | 0.7046% | 3,864 |
| Return on assets (ROA) | 0.7046% | 4,083 |
| Pretax return on assets | 0.7046% | 4,776 |
| Return on Equity (ROE) | 7.4891% | 3,501 |
| Retained earnings to average equity (ytd only) | 1.2549% | 5,591 |
| Net charge-offs to loans | -0.0148% | 6,076 |
| Credit loss provision to net charge-offs | -2,142.8571% | 6,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9944% | 2,494 |
| Assets per employee ($millions) | 3.5951% | 4,895 |
| Cash dividends to net income (ytd only)* | 83.2442% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7891% | 3,031 |
| Loan loss allowance to noncurrent loans | 69.5306% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 1.8865% | 3,062 |
| Noncurrent loans to loans | 2.5732% | 2,534 |
| Net loans and leases to total assets | 56.2908% | 4,331 |
| Net loans and leases to deposits | 64.0691% | 4,626 |
| Net loans and leases to core deposits | 72.4399% | 4,083 |
| Total domestic deposits to total assets | 87.8595% | 2,417 |
| Equity capital to assets | 9.2808% | 5,120 |
| Core capital (leverage) ratio | 8.7583% | 5,189 |
| Tier 1 risk-based capital ratio | 13.7303% | 4,658 |
| Total risk-based capital ratio | 14.9905% | 4,640 |
| Memoranda: | ||
| Average total assets | $318,495,500 | 2,042 |
| Average earning assets | $285,199,000 | 2,097 |
| Average equity | $29,963,500 | 2,265 |
| Average total loans | $188,996,500 | 2,135 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1753% | 2,165 |
| Cost of funding earning assets | 0.8079% | 4,811 |
| Net interest margin | 4.3675% | 1,483 |
| Noninterest income to average assets | 0.6474% | 2,906 |
| Noninterest expense to average assets | 3.2821% | 2,583 |
| Loan and lease loss provision to assets | 0.2159% | 4,036 |
| Net operating income to assets | 1.0381% | 2,051 |
| Return on assets (ROA) | 1.0918% | 1,980 |
| Pretax return on assets | 1.0918% | 2,868 |
| Return on Equity (ROE) | 11.7782% | 1,470 |
| Retained earnings to average equity (ytd only) | 9.4140% | 694 |
| Net charge-offs to loans | 1.0590% | 1,633 |
| Credit loss provision to net charge-offs | 32.0000% | 5,755 |
| Earnings coverage of net charge-offs (x) | 1.8587% | 4,379 |
| Efficiency ratio | 72.3544% | 3,508 |
| Assets per employee ($millions) | 3.9675% | 3,925 |
| Cash dividends to net income (ytd only)* | 20.0725% | 3,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6417% | 3,409 |
| Loan loss allowance to noncurrent loans | 863.6612% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.5417% | 5,613 |
| Noncurrent loans to loans | 0.1901% | 6,368 |
| Net loans and leases to total assets | 60.4215% | 3,912 |
| Net loans and leases to deposits | 68.9890% | 4,277 |
| Net loans and leases to core deposits | 76.9702% | 3,831 |
| Total domestic deposits to total assets | 87.5813% | 2,425 |
| Equity capital to assets | 9.5390% | 4,816 |
| Core capital (leverage) ratio | 8.9103% | 4,919 |
| Tier 1 risk-based capital ratio | 13.8468% | 4,446 |
| Total risk-based capital ratio | 15.1064% | 4,392 |
| Memoranda: | ||
| Average total assets | $277,898,800 | 2,283 |
| Average earning assets | $247,443,400 | 2,328 |
| Average equity | $25,759,400 | 2,501 |
| Average total loans | $177,049,600 | 2,293 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2096% | 2,174 |
| Cost of funding earning assets | 0.8144% | 5,058 |
| Net interest margin | 4.3953% | 1,421 |
| Noninterest income to average assets | 0.6795% | 2,721 |
| Noninterest expense to average assets | 3.3558% | 2,326 |
| Loan and lease loss provision to assets | 0.2230% | 3,779 |
| Net operating income to assets | 1.0408% | 2,177 |
| Return on assets (ROA) | 1.0408% | 2,329 |
| Pretax return on assets | 1.0408% | 3,246 |
| Return on Equity (ROE) | 11.3244% | 1,751 |
| Retained earnings to average equity (ytd only) | 8.6281% | 1,272 |
| Net charge-offs to loans | 1.4112% | 1,054 |
| Credit loss provision to net charge-offs | 24.5499% | 5,499 |
| Earnings coverage of net charge-offs (x) | 1.3912% | 4,584 |
| Efficiency ratio | 72.6424% | 3,431 |
| Assets per employee ($millions) | 3.7397% | 4,433 |
| Cash dividends to net income (ytd only)* | 23.8095% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5907% | 3,712 |
| Loan loss allowance to noncurrent loans | 353.3565% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.8540% | 5,047 |
| Noncurrent loans to loans | 0.4502% | 5,942 |
| Net loans and leases to total assets | 61.5919% | 3,815 |
| Net loans and leases to deposits | 69.6578% | 4,350 |
| Net loans and leases to core deposits | 77.3512% | 3,995 |
| Total domestic deposits to total assets | 88.4207% | 1,797 |
| Equity capital to assets | 9.5217% | 5,049 |
| Core capital (leverage) ratio | 8.7252% | 5,369 |
| Tier 1 risk-based capital ratio | 13.3362% | 4,851 |
| Total risk-based capital ratio | 14.5882% | 4,825 |
| Memoranda: | ||
| Average total assets | $269,016,000 | 2,362 |
| Average earning assets | $241,163,000 | 2,400 |
| Average equity | $24,724,750 | 2,611 |
| Average total loans | $173,177,000 | 2,348 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3149% | 1,838 |
| Cost of funding earning assets | 0.8275% | 5,202 |
| Net interest margin | 4.4873% | 1,168 |
| Noninterest income to average assets | 0.6933% | 2,591 |
| Noninterest expense to average assets | 3.4998% | 1,977 |
| Loan and lease loss provision to assets | 0.2339% | 3,569 |
| Net operating income to assets | 0.9724% | 2,347 |
| Return on assets (ROA) | 0.9724% | 2,448 |
| Pretax return on assets | 0.9724% | 3,349 |
| Return on Equity (ROE) | 10.7346% | 1,888 |
| Retained earnings to average equity (ytd only) | 9.8824% | 879 |
| Net charge-offs to loans | 2.2237% | 581 |
| Credit loss provision to net charge-offs | 16.1638% | 5,188 |
| Earnings coverage of net charge-offs (x) | 0.8335% | 4,676 |
| Efficiency ratio | 74.3662% | 3,300 |
| Assets per employee ($millions) | 4.1905% | 3,365 |
| Cash dividends to net income (ytd only)* | 7.9391% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4631% | 4,282 |
| Loan loss allowance to noncurrent loans | 107.9460% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 1.5696% | 3,843 |
| Noncurrent loans to loans | 1.3554% | 4,387 |
| Net loans and leases to total assets | 66.1251% | 3,007 |
| Net loans and leases to deposits | 73.8153% | 3,832 |
| Net loans and leases to core deposits | 82.1281% | 3,485 |
| Total domestic deposits to total assets | 89.5818% | 1,192 |
| Equity capital to assets | 8.3789% | 6,326 |
| Core capital (leverage) ratio | 7.5865% | 6,683 |
| Tier 1 risk-based capital ratio | 10.8452% | 6,627 |
| Total risk-based capital ratio | 12.1022% | 6,595 |
| Memoranda: | ||
| Average total assets | $256,468,330 | 2,483 |
| Average earning assets | $229,356,000 | 2,530 |
| Average equity | $23,233,330 | 2,738 |
| Average total loans | $166,926,000 | 2,446 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0851% | 2,716 |
| Cost of funding earning assets | 0.8270% | 5,414 |
| Net interest margin | 4.2581% | 1,707 |
| Noninterest income to average assets | 0.7058% | 2,546 |
| Noninterest expense to average assets | 3.8129% | 1,314 |
| Loan and lease loss provision to assets | 0.2521% | 3,135 |
| Net operating income to assets | 0.4823% | 4,563 |
| Return on assets (ROA) | 0.4823% | 4,645 |
| Pretax return on assets | 0.4823% | 5,081 |
| Return on Equity (ROE) | 5.0884% | 4,353 |
| Retained earnings to average equity (ytd only) | 5.0884% | 3,127 |
| Net charge-offs to loans | 4.7537% | 162 |
| Credit loss provision to net charge-offs | 8.3056% | 4,400 |
| Earnings coverage of net charge-offs (x) | 0.2420% | 4,433 |
| Efficiency ratio | 83.8507% | 1,973 |
| Assets per employee ($millions) | 3.4539% | 5,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8429% | 2,872 |
| Loan loss allowance to noncurrent loans | 183.7409% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 1.4055% | 4,169 |
| Noncurrent loans to loans | 1.0030% | 5,045 |
| Net loans and leases to total assets | 61.2428% | 4,024 |
| Net loans and leases to deposits | 68.9349% | 4,535 |
| Net loans and leases to core deposits | 77.2189% | 4,131 |
| Total domestic deposits to total assets | 88.8416% | 1,872 |
| Equity capital to assets | 9.4085% | 4,557 |
| Core capital (leverage) ratio | 9.6722% | 3,564 |
| Tier 1 risk-based capital ratio | 14.3688% | 3,823 |
| Total risk-based capital ratio | 15.6315% | 3,780 |
| Memoranda: | ||
| Average total assets | $238,036,500 | 2,694 |
| Average earning assets | $214,745,500 | 2,728 |
| Average equity | $22,561,000 | 2,794 |
| Average total loans | $151,966,000 | 2,687 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4062% | 2,645 |
| Cost of funding earning assets | 0.9324% | 6,023 |
| Net interest margin | 4.4738% | 1,290 |
| Noninterest income to average assets | 0.7197% | 2,715 |
| Noninterest expense to average assets | 3.5655% | 2,019 |
| Loan and lease loss provision to assets | 1.0046% | 1,620 |
| Net operating income to assets | 0.1750% | 5,364 |
| Return on assets (ROA) | 0.1750% | 5,525 |
| Pretax return on assets | 0.1750% | 5,543 |
| Return on Equity (ROE) | 1.8468% | 5,445 |
| Retained earnings to average equity (ytd only) | -3.2084% | 6,117 |
| Net charge-offs to loans | 0.1786% | 5,255 |
| Credit loss provision to net charge-offs | 833.3333% | 257 |
| Earnings coverage of net charge-offs (x) | 9.7852% | 1,781 |
| Efficiency ratio | 75.1411% | 3,177 |
| Assets per employee ($millions) | 3.6046% | 4,694 |
| Cash dividends to net income (ytd only)* | 273.7245% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8978% | 960 |
| Loan loss allowance to noncurrent loans | 132.7746% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 2.2305% | 3,054 |
| Noncurrent loans to loans | 2.1825% | 3,331 |
| Net loans and leases to total assets | 63.4432% | 3,979 |
| Net loans and leases to deposits | 71.3245% | 4,636 |
| Net loans and leases to core deposits | 80.2120% | 4,181 |
| Total domestic deposits to total assets | 88.9501% | 1,686 |
| Equity capital to assets | 9.5497% | 4,342 |
| Core capital (leverage) ratio | 9.6974% | 3,433 |
| Tier 1 risk-based capital ratio | 14.2596% | 3,710 |
| Total risk-based capital ratio | 15.5352% | 3,640 |
| Memoranda: | ||
| Average total assets | $223,979,800 | 2,823 |
| Average earning assets | $201,529,000 | 2,857 |
| Average equity | $21,225,600 | 2,977 |
| Average total loans | $151,189,200 | 2,753 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4448% | 2,671 |
| Cost of funding earning assets | 0.9430% | 6,211 |
| Net interest margin | 4.5019% | 1,253 |
| Noninterest income to average assets | 0.7251% | 2,679 |
| Noninterest expense to average assets | 3.5127% | 2,010 |
| Loan and lease loss provision to assets | 0.3011% | 4,163 |
| Net operating income to assets | 0.9593% | 2,374 |
| Return on assets (ROA) | 0.9593% | 2,501 |
| Pretax return on assets | 0.9593% | 3,334 |
| Return on Equity (ROE) | 10.1439% | 2,068 |
| Retained earnings to average equity (ytd only) | 5.6991% | 2,545 |
| Net charge-offs to loans | 0.0717% | 5,794 |
| Credit loss provision to net charge-offs | 617.2840% | 476 |
| Earnings coverage of net charge-offs (x) | 25.8389% | 984 |
| Efficiency ratio | 73.5932% | 3,400 |
| Assets per employee ($millions) | 3.2757% | 5,532 |
| Cash dividends to net income (ytd only)* | 43.8165% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8868% | 2,520 |
| Loan loss allowance to noncurrent loans | 85.6419% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 2.2289% | 3,161 |
| Noncurrent loans to loans | 2.2031% | 3,440 |
| Net loans and leases to total assets | 65.1977% | 3,868 |
| Net loans and leases to deposits | 74.4769% | 4,433 |
| Net loans and leases to core deposits | 84.9648% | 3,807 |
| Total domestic deposits to total assets | 87.5408% | 2,238 |
| Equity capital to assets | 10.8460% | 3,119 |
| Core capital (leverage) ratio | 10.4929% | 2,696 |
| Tier 1 risk-based capital ratio | 15.3244% | 3,089 |
| Total risk-based capital ratio | 16.5872% | 3,042 |
| Memoranda: | ||
| Average total assets | $221,399,500 | 2,892 |
| Average earning assets | $199,082,500 | 2,935 |
| Average equity | $20,938,250 | 3,058 |
| Average total loans | $150,715,500 | 2,797 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4521% | 2,738 |
| Cost of funding earning assets | 0.9475% | 6,386 |
| Net interest margin | 4.5046% | 1,197 |
| Noninterest income to average assets | 0.7350% | 2,483 |
| Noninterest expense to average assets | 3.4686% | 2,101 |
| Loan and lease loss provision to assets | 0.3200% | 3,820 |
| Net operating income to assets | 0.9974% | 2,210 |
| Return on assets (ROA) | 0.9974% | 2,286 |
| Pretax return on assets | 0.9974% | 3,124 |
| Return on Equity (ROE) | 11.1170% | 1,710 |
| Retained earnings to average equity (ytd only) | 5.9712% | 2,344 |
| Net charge-offs to loans | 0.1199% | 4,979 |
| Credit loss provision to net charge-offs | 388.8889% | 934 |
| Earnings coverage of net charge-offs (x) | 16.0111% | 1,423 |
| Efficiency ratio | 72.4737% | 3,745 |
| Assets per employee ($millions) | 3.2857% | 5,465 |
| Cash dividends to net income (ytd only)* | 46.2878% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7864% | 2,762 |
| Loan loss allowance to noncurrent loans | 325.2695% | 908 |
| Noncurrent assets plus other real estate owned to assets | 1.1337% | 4,870 |
| Noncurrent loans to loans | 0.5492% | 6,155 |
| Net loans and leases to total assets | 66.8326% | 3,655 |
| Net loans and leases to deposits | 75.4329% | 4,432 |
| Net loans and leases to core deposits | 87.0684% | 3,681 |
| Total domestic deposits to total assets | 88.5987% | 1,680 |
| Equity capital to assets | 9.7189% | 4,382 |
| Core capital (leverage) ratio | 9.6651% | 3,588 |
| Tier 1 risk-based capital ratio | 13.5855% | 4,012 |
| Total risk-based capital ratio | 14.8420% | 3,967 |
| Memoranda: | ||
| Average total assets | $218,765,670 | 2,952 |
| Average earning assets | $196,731,330 | 2,991 |
| Average equity | $19,627,670 | 3,227 |
| Average total loans | $150,162,670 | 2,834 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4788% | 2,694 |
| Cost of funding earning assets | 0.9741% | 6,499 |
| Net interest margin | 4.5047% | 1,128 |
| Noninterest income to average assets | 0.7319% | 2,399 |
| Noninterest expense to average assets | 3.3766% | 2,300 |
| Loan and lease loss provision to assets | 0.2772% | 3,806 |
| Net operating income to assets | 1.1292% | 1,742 |
| Return on assets (ROA) | 1.1292% | 1,816 |
| Pretax return on assets | 1.1292% | 2,634 |
| Return on Equity (ROE) | 13.1511% | 1,222 |
| Retained earnings to average equity (ytd only) | 13.1511% | 603 |
| Net charge-offs to loans | 0.1447% | 4,064 |
| Credit loss provision to net charge-offs | 277.7778% | 1,426 |
| Earnings coverage of net charge-offs (x) | 14.0926% | 1,453 |
| Efficiency ratio | 70.5951% | 4,194 |
| Assets per employee ($millions) | 3.5274% | 4,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7006% | 3,057 |
| Loan loss allowance to noncurrent loans | 248.7329% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 1.2757% | 4,623 |
| Noncurrent loans to loans | 0.6837% | 5,964 |
| Net loans and leases to total assets | 68.5545% | 3,267 |
| Net loans and leases to deposits | 76.2598% | 4,363 |
| Net loans and leases to core deposits | 87.4309% | 3,689 |
| Total domestic deposits to total assets | 89.8960% | 1,043 |
| Equity capital to assets | 8.7646% | 5,617 |
| Core capital (leverage) ratio | 8.6152% | 5,186 |
| Tier 1 risk-based capital ratio | 12.0227% | 5,175 |
| Total risk-based capital ratio | 13.2801% | 5,128 |
| Memoranda: | ||
| Average total assets | $216,433,500 | 3,032 |
| Average earning assets | $194,641,000 | 3,066 |
| Average equity | $18,584,000 | 3,380 |
| Average total loans | $149,224,000 | 2,915 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7534% | 2,849 |
| Cost of funding earning assets | 1.2749% | 6,395 |
| Net interest margin | 4.4785% | 1,219 |
| Noninterest income to average assets | 0.8129% | 2,344 |
| Noninterest expense to average assets | 3.5619% | 2,239 |
| Loan and lease loss provision to assets | 1.1749% | 1,960 |
| Net operating income to assets | 0.1017% | 5,211 |
| Return on assets (ROA) | 0.1017% | 5,256 |
| Pretax return on assets | 0.1017% | 5,218 |
| Return on Equity (ROE) | 1.1253% | 5,196 |
| Retained earnings to average equity (ytd only) | -2.0853% | 5,535 |
| Net charge-offs to loans | 0.9159% | 2,556 |
| Credit loss provision to net charge-offs | 180.6523% | 2,300 |
| Earnings coverage of net charge-offs (x) | 1.9629% | 4,250 |
| Efficiency ratio | 73.6150% | 3,974 |
| Assets per employee ($millions) | 3.6283% | 4,704 |
| Cash dividends to net income (ytd only)* | 285.3081% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6551% | 3,067 |
| Loan loss allowance to noncurrent loans | 350.8571% | 936 |
| Noncurrent assets plus other real estate owned to assets | 1.0845% | 4,925 |
| Noncurrent loans to loans | 0.4717% | 6,309 |
| Net loans and leases to total assets | 67.0342% | 3,921 |
| Net loans and leases to deposits | 74.2001% | 5,006 |
| Net loans and leases to core deposits | 110.7048% | 2,822 |
| Total domestic deposits to total assets | 90.3425% | 812 |
| Equity capital to assets | 8.4104% | 6,043 |
| Core capital (leverage) ratio | 8.5186% | 5,252 |
| Tier 1 risk-based capital ratio | 11.6751% | 5,223 |
| Total risk-based capital ratio | 12.9360% | 5,173 |
| Memoranda: | ||
| Average total assets | $207,418,000 | 3,089 |
| Average earning assets | $186,446,200 | 3,134 |
| Average equity | $18,750,200 | 3,380 |
| Average total loans | $147,288,600 | 2,965 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8297% | 2,751 |
| Cost of funding earning assets | 1.3071% | 6,537 |
| Net interest margin | 4.5226% | 1,137 |
| Noninterest income to average assets | 0.8116% | 2,374 |
| Noninterest expense to average assets | 3.4607% | 2,388 |
| Loan and lease loss provision to assets | 0.9145% | 2,100 |
| Net operating income to assets | 0.4992% | 3,990 |
| Return on assets (ROA) | 0.4992% | 4,080 |
| Pretax return on assets | 0.4992% | 4,523 |
| Return on Equity (ROE) | 5.4221% | 3,775 |
| Retained earnings to average equity (ytd only) | 1.1664% | 4,675 |
| Net charge-offs to loans | 0.4652% | 3,359 |
| Credit loss provision to net charge-offs | 273.8791% | 1,550 |
| Earnings coverage of net charge-offs (x) | 4.2339% | 3,201 |
| Efficiency ratio | 70.9975% | 4,423 |
| Assets per employee ($millions) | 3.4701% | 5,001 |
| Cash dividends to net income (ytd only)* | 78.4880% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4986% | 3,450 |
| Loan loss allowance to noncurrent loans | 161.4286% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 1.4461% | 4,216 |
| Noncurrent loans to loans | 0.9284% | 5,436 |
| Net loans and leases to total assets | 70.1747% | 3,464 |
| Net loans and leases to deposits | 78.2295% | 4,707 |
| Net loans and leases to core deposits | 116.3610% | 2,586 |
| Total domestic deposits to total assets | 89.7036% | 887 |
| Equity capital to assets | 8.9354% | 5,581 |
| Core capital (leverage) ratio | 9.0447% | 4,584 |
| Tier 1 risk-based capital ratio | 11.6682% | 5,273 |
| Total risk-based capital ratio | 12.9206% | 5,219 |
| Memoranda: | ||
| Average total assets | $204,848,750 | 3,148 |
| Average earning assets | $184,017,750 | 3,191 |
| Average equity | $18,860,500 | 3,388 |
| Average total loans | $147,014,250 | 2,999 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8491% | 2,810 |
| Cost of funding earning assets | 1.3046% | 6,792 |
| Net interest margin | 4.5446% | 1,065 |
| Noninterest income to average assets | 0.7829% | 2,499 |
| Noninterest expense to average assets | 3.5839% | 2,110 |
| Loan and lease loss provision to assets | 1.2094% | 1,423 |
| Net operating income to assets | 0.0583% | 5,685 |
| Return on assets (ROA) | 0.0583% | 5,772 |
| Pretax return on assets | 0.0583% | 5,765 |
| Return on Equity (ROE) | 0.6262% | 5,747 |
| Retained earnings to average equity (ytd only) | -3.8636% | 6,113 |
| Net charge-offs to loans | 0.4762% | 2,930 |
| Credit loss provision to net charge-offs | 353.0259% | 1,312 |
| Earnings coverage of net charge-offs (x) | 3.7003% | 3,332 |
| Efficiency ratio | 73.8706% | 4,055 |
| Assets per employee ($millions) | 3.4670% | 4,903 |
| Cash dividends to net income (ytd only)* | 716.9492% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5029% | 3,175 |
| Loan loss allowance to noncurrent loans | 308.5165% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 1.1316% | 4,691 |
| Noncurrent loans to loans | 0.4871% | 6,306 |
| Net loans and leases to total assets | 70.7617% | 3,516 |
| Net loans and leases to deposits | 78.7676% | 4,739 |
| Net loans and leases to core deposits | 114.0947% | 2,898 |
| Total domestic deposits to total assets | 89.8360% | 896 |
| Equity capital to assets | 8.8045% | 5,591 |
| Core capital (leverage) ratio | 8.8626% | 4,844 |
| Tier 1 risk-based capital ratio | 11.4755% | 5,411 |
| Total risk-based capital ratio | 12.7276% | 5,325 |
| Memoranda: | ||
| Average total assets | $202,573,000 | 3,200 |
| Average earning assets | $181,360,000 | 3,242 |
| Average equity | $18,842,670 | 3,416 |
| Average total loans | $145,751,330 | 3,057 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8389% | 3,098 |
| Cost of funding earning assets | 1.2613% | 7,144 |
| Net interest margin | 4.5777% | 975 |
| Noninterest income to average assets | 0.8466% | 2,094 |
| Noninterest expense to average assets | 3.3345% | 2,552 |
| Loan and lease loss provision to assets | 0.2702% | 3,799 |
| Net operating income to assets | 1.3390% | 1,290 |
| Return on assets (ROA) | 1.3390% | 1,387 |
| Pretax return on assets | 1.3390% | 2,152 |
| Return on Equity (ROE) | 14.0057% | 1,168 |
| Retained earnings to average equity (ytd only) | 14.0057% | 518 |
| Net charge-offs to loans | 0.0889% | 4,280 |
| Credit loss provision to net charge-offs | 421.8750% | 1,255 |
| Earnings coverage of net charge-offs (x) | 25.1250% | 1,218 |
| Efficiency ratio | 67.4494% | 5,056 |
| Assets per employee ($millions) | 3.4954% | 4,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 6,156 |
| Loan loss allowance to noncurrent loans | 166.9694% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 1.0817% | 4,523 |
| Noncurrent loans to loans | 0.6003% | 5,895 |
| Net loans and leases to total assets | 71.6718% | 3,307 |
| Net loans and leases to deposits | 80.3603% | 4,556 |
| Net loans and leases to core deposits | 109.9915% | 3,438 |
| Total domestic deposits to total assets | 89.1881% | 1,150 |
| Equity capital to assets | 9.5807% | 4,556 |
| Core capital (leverage) ratio | 9.7598% | 3,678 |
| Tier 1 risk-based capital ratio | 12.2731% | 4,725 |
| Total risk-based capital ratio | 13.2285% | 4,872 |
| Memoranda: | ||
| Average total assets | $199,850,500 | 3,246 |
| Average earning assets | $178,868,000 | 3,295 |
| Average equity | $19,106,500 | 3,402 |
| Average total loans | $143,905,500 | 3,110 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5781% | 2,590 |
| Cost of funding earning assets | 1.8649% | 6,838 |
| Net interest margin | 4.7133% | 948 |
| Noninterest income to average assets | 0.8864% | 2,022 |
| Noninterest expense to average assets | 3.6321% | 2,075 |
| Loan and lease loss provision to assets | 0.0544% | 6,733 |
| Net operating income to assets | 1.4096% | 1,208 |
| Return on assets (ROA) | 1.4096% | 1,165 |
| Pretax return on assets | 1.4096% | 1,945 |
| Return on Equity (ROE) | 14.8786% | 941 |
| Retained earnings to average equity (ytd only) | 8.7312% | 649 |
| Net charge-offs to loans | 0.1363% | 4,859 |
| Credit loss provision to net charge-offs | 56.0440% | 6,277 |
| Earnings coverage of net charge-offs (x) | 15.0824% | 1,966 |
| Efficiency ratio | 71.2716% | 4,070 |
| Assets per employee ($millions) | 3.3385% | 5,122 |
| Cash dividends to net income (ytd only)* | 41.3167% | 3,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9699% | 6,264 |
| Loan loss allowance to noncurrent loans | 188.9503% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 1.0332% | 4,238 |
| Noncurrent loans to loans | 0.5133% | 5,813 |
| Net loans and leases to total assets | 70.9098% | 3,808 |
| Net loans and leases to deposits | 79.4687% | 5,138 |
| Net loans and leases to core deposits | 103.6527% | 4,426 |
| Total domestic deposits to total assets | 89.2298% | 949 |
| Equity capital to assets | 9.5395% | 4,626 |
| Core capital (leverage) ratio | 9.3999% | 4,157 |
| Tier 1 risk-based capital ratio | 12.1976% | 4,668 |
| Total risk-based capital ratio | 13.1181% | 4,825 |
| Memoranda: | ||
| Average total assets | $187,496,200 | 3,305 |
| Average earning assets | $167,463,600 | 3,368 |
| Average equity | $17,763,800 | 3,599 |
| Average total loans | $133,517,600 | 3,205 |