Home > American State Bank > Performance and Condition Ratios
American State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0048% | 2,061 |
| Cost of funding earning assets | 2.3931% | 470 |
| Net interest margin | 2.6116% | 3,946 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 1.8906% | 3,852 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.1697% | 1,723 |
| Return on assets (ROA) | 1.1697% | 1,694 |
| Pretax return on assets | 1.2237% | 2,081 |
| Return on Equity (ROE) | 11.5100% | 2,090 |
| Retained earnings to average equity (ytd only) | 3.6216% | 3,084 |
| Net charge-offs to loans | -0.0506% | 4,370 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.6100% | 3,128 |
| Assets per employee ($millions) | 9.3944% | 862 |
| Cash dividends to net income (ytd only)* | 68.5379% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0820% | 2,920 |
| Loan loss allowance to noncurrent loans | 75.0488% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 1.2793% | 330 |
| Noncurrent loans to loans | 1.4417% | 480 |
| Net loans and leases to total assets | 87.7700% | 96 |
| Net loans and leases to deposits | 103.4463% | 392 |
| Net loans and leases to core deposits | 126.1577% | 482 |
| Total domestic deposits to total assets | 84.8500% | 2,354 |
| Equity capital to assets | 10.1236% | 1,932 |
| Core capital (leverage) ratio | 10.3594% | 2,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5485% | 2,396 |
| Memoranda: | ||
| Average total assets | $1,309,776,400 | 799 |
| Average earning assets | $1,246,114,400 | 771 |
| Average equity | $133,090,000 | 748 |
| Average total loans | $1,145,355,800 | 661 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9178% | 2,026 |
| Cost of funding earning assets | 2.2911% | 414 |
| Net interest margin | 2.6267% | 3,992 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 1.8969% | 3,806 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.1884% | 1,825 |
| Return on assets (ROA) | 1.1887% | 1,812 |
| Pretax return on assets | 1.2449% | 2,185 |
| Return on Equity (ROE) | 11.6900% | 2,203 |
| Retained earnings to average equity (ytd only) | 1.0716% | 3,938 |
| Net charge-offs to loans | -0.0643% | 4,422 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.4100% | 3,030 |
| Assets per employee ($millions) | 8.2600% | 1,229 |
| Cash dividends to net income (ytd only)* | 90.8304% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1158% | 2,785 |
| Loan loss allowance to noncurrent loans | 80.2182% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 1.2221% | 364 |
| Noncurrent loans to loans | 1.3910% | 545 |
| Net loans and leases to total assets | 86.8800% | 124 |
| Net loans and leases to deposits | 102.4331% | 416 |
| Net loans and leases to core deposits | 125.8752% | 419 |
| Total domestic deposits to total assets | 84.8100% | 2,557 |
| Equity capital to assets | 10.2235% | 1,690 |
| Core capital (leverage) ratio | 10.1652% | 2,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8567% | 2,318 |
| Memoranda: | ||
| Average total assets | $1,296,673,500 | 809 |
| Average earning assets | $1,234,645,000 | 778 |
| Average equity | $131,887,000 | 748 |
| Average total loans | $1,129,512,500 | 665 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7267% | 2,154 |
| Cost of funding earning assets | 2.1140% | 401 |
| Net interest margin | 2.6126% | 4,098 |
| Noninterest income to average assets | 0.6900% | 1,151 |
| Noninterest expense to average assets | 1.9109% | 3,793 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.1352% | 2,020 |
| Return on assets (ROA) | 1.1357% | 2,011 |
| Pretax return on assets | 1.1891% | 2,389 |
| Return on Equity (ROE) | 11.1800% | 2,377 |
| Retained earnings to average equity (ytd only) | -1.4508% | 4,253 |
| Net charge-offs to loans | -0.0737% | 4,464 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.1499% | 2,941 |
| Assets per employee ($millions) | 8.5281% | 1,080 |
| Cash dividends to net income (ytd only)* | 112.9713% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0924% | 2,989 |
| Loan loss allowance to noncurrent loans | 102.3273% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 0.9423% | 513 |
| Noncurrent loans to loans | 1.0676% | 687 |
| Net loans and leases to total assets | 87.3000% | 105 |
| Net loans and leases to deposits | 104.5287% | 355 |
| Net loans and leases to core deposits | 128.7129% | 348 |
| Total domestic deposits to total assets | 83.5200% | 2,929 |
| Equity capital to assets | 9.9722% | 1,874 |
| Core capital (leverage) ratio | 10.1880% | 2,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4527% | 2,480 |
| Memoranda: | ||
| Average total assets | $1,293,871,000 | 796 |
| Average earning assets | $1,231,478,667 | 768 |
| Average equity | $131,374,333 | 746 |
| Average total loans | $1,123,818,000 | 653 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4886% | 2,341 |
| Cost of funding earning assets | 1.8937% | 369 |
| Net interest margin | 2.5949% | 4,212 |
| Noninterest income to average assets | 0.6200% | 1,354 |
| Noninterest expense to average assets | 1.9113% | 3,830 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.0186% | 2,471 |
| Return on assets (ROA) | 1.0195% | 2,436 |
| Pretax return on assets | 1.0793% | 2,770 |
| Return on Equity (ROE) | 9.9500% | 2,798 |
| Retained earnings to average equity (ytd only) | 0.5259% | 3,945 |
| Net charge-offs to loans | 0.0318% | 1,079 |
| Credit loss provision to net charge-offs | -1,421.5909% | 4,659 |
| Earnings coverage of net charge-offs (x) | 42.7500% | 1,163 |
| Efficiency ratio | 61.9923% | 2,701 |
| Assets per employee ($millions) | 8.4186% | 1,156 |
| Cash dividends to net income (ytd only)* | 94.7143% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9550% | 3,700 |
| Loan loss allowance to noncurrent loans | 122.6469% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.6634% | 746 |
| Noncurrent loans to loans | 0.7787% | 987 |
| Net loans and leases to total assets | 84.3800% | 209 |
| Net loans and leases to deposits | 101.6695% | 372 |
| Net loans and leases to core deposits | 123.8018% | 369 |
| Total domestic deposits to total assets | 82.9900% | 3,299 |
| Equity capital to assets | 10.0498% | 1,795 |
| Core capital (leverage) ratio | 10.4852% | 2,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1977% | 2,305 |
| Memoranda: | ||
| Average total assets | $1,284,141,000 | 820 |
| Average earning assets | $1,221,325,000 | 787 |
| Average equity | $131,577,500 | 748 |
| Average total loans | $1,106,140,500 | 665 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8295% | 2,193 |
| Cost of funding earning assets | 0.9096% | 241 |
| Net interest margin | 2.9199% | 3,636 |
| Noninterest income to average assets | 0.8400% | 914 |
| Noninterest expense to average assets | 1.8552% | 3,921 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.5469% | 784 |
| Return on assets (ROA) | 1.5469% | 758 |
| Pretax return on assets | 1.6218% | 1,107 |
| Return on Equity (ROE) | 14.6200% | 1,361 |
| Retained earnings to average equity (ytd only) | 5.5851% | 2,795 |
| Net charge-offs to loans | 0.3711% | 205 |
| Credit loss provision to net charge-offs | 48.2444% | 1,827 |
| Earnings coverage of net charge-offs (x) | 5.6888% | 2,366 |
| Efficiency ratio | 51.0162% | 4,063 |
| Assets per employee ($millions) | 8.0447% | 1,296 |
| Cash dividends to net income (ytd only)* | 61.8017% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0943% | 2,922 |
| Loan loss allowance to noncurrent loans | 170.1749% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.5602% | 898 |
| Noncurrent loans to loans | 0.6430% | 1,154 |
| Net loans and leases to total assets | 86.1700% | 144 |
| Net loans and leases to deposits | 104.5835% | 277 |
| Net loans and leases to core deposits | 121.0329% | 357 |
| Total domestic deposits to total assets | 82.4000% | 3,550 |
| Equity capital to assets | 10.4521% | 1,472 |
| Core capital (leverage) ratio | 10.7171% | 2,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4119% | 2,195 |
| Memoranda: | ||
| Average total assets | $1,197,720,800 | 854 |
| Average earning assets | $1,142,880,800 | 830 |
| Average equity | $126,713,000 | 781 |
| Average total loans | $1,005,312,800 | 677 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6490% | 2,202 |
| Cost of funding earning assets | 0.7374% | 213 |
| Net interest margin | 2.9115% | 3,459 |
| Noninterest income to average assets | 0.8500% | 928 |
| Noninterest expense to average assets | 1.8920% | 3,768 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.5155% | 821 |
| Return on assets (ROA) | 1.5155% | 794 |
| Pretax return on assets | 1.5869% | 1,149 |
| Return on Equity (ROE) | 14.2800% | 1,355 |
| Retained earnings to average equity (ytd only) | 2.1242% | 3,998 |
| Net charge-offs to loans | 0.3867% | 161 |
| Credit loss provision to net charge-offs | 47.3352% | 1,533 |
| Earnings coverage of net charge-offs (x) | 5.4120% | 2,146 |
| Efficiency ratio | 51.9331% | 4,015 |
| Assets per employee ($millions) | 8.3352% | 1,153 |
| Cash dividends to net income (ytd only)* | 85.1238% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1755% | 2,664 |
| Loan loss allowance to noncurrent loans | 111.2867% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 0.9842% | 454 |
| Noncurrent loans to loans | 1.0563% | 720 |
| Net loans and leases to total assets | 85.6200% | 146 |
| Net loans and leases to deposits | 106.2986% | 186 |
| Net loans and leases to core deposits | 119.0647% | 278 |
| Total domestic deposits to total assets | 80.5500% | 4,049 |
| Equity capital to assets | 10.3187% | 1,454 |
| Core capital (leverage) ratio | 10.8393% | 1,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3303% | 2,349 |
| Memoranda: | ||
| Average total assets | $1,183,406,500 | 869 |
| Average earning assets | $1,130,920,750 | 842 |
| Average equity | $125,598,500 | 794 |
| Average total loans | $983,284,750 | 689 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4540% | 2,286 |
| Cost of funding earning assets | 0.6658% | 189 |
| Net interest margin | 2.7882% | 3,478 |
| Noninterest income to average assets | 0.9020% | 848 |
| Noninterest expense to average assets | 1.9017% | 3,696 |
| Loan and lease loss provision to assets | 0.1536% | 614 |
| Net operating income to assets | 1.4485% | 801 |
| Return on assets (ROA) | 1.4485% | 779 |
| Pretax return on assets | 1.5168% | 1,134 |
| Return on Equity (ROE) | 13.5183% | 1,238 |
| Retained earnings to average equity (ytd only) | -0.1751% | 4,201 |
| Net charge-offs to loans | 0.0698% | 745 |
| Credit loss provision to net charge-offs | 268.6567% | 838 |
| Earnings coverage of net charge-offs (x) | 29.2239% | 1,401 |
| Efficiency ratio | 53.0617% | 4,040 |
| Assets per employee ($millions) | 7.5203% | 1,597 |
| Cash dividends to net income (ytd only)* | 101.2956% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4422% | 1,586 |
| Loan loss allowance to noncurrent loans | 108.0792% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 1.2279% | 343 |
| Noncurrent loans to loans | 1.3344% | 584 |
| Net loans and leases to total assets | 85.3306% | 114 |
| Net loans and leases to deposits | 103.8909% | 171 |
| Net loans and leases to core deposits | 110.3604% | 345 |
| Total domestic deposits to total assets | 82.1348% | 3,990 |
| Equity capital to assets | 10.7465% | 1,341 |
| Core capital (leverage) ratio | 10.6712% | 1,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6987% | 2,207 |
| Memoranda: | ||
| Average total assets | $1,172,230,667 | 872 |
| Average earning assets | $1,122,514,333 | 849 |
| Average equity | $125,607,333 | 801 |
| Average total loans | $959,593,667 | 692 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2609% | 2,500 |
| Cost of funding earning assets | 0.6510% | 199 |
| Net interest margin | 2.6099% | 3,630 |
| Noninterest income to average assets | 0.8554% | 918 |
| Noninterest expense to average assets | 1.9123% | 3,656 |
| Loan and lease loss provision to assets | 0.1526% | 516 |
| Net operating income to assets | 1.2329% | 1,163 |
| Return on assets (ROA) | 1.2329% | 1,146 |
| Pretax return on assets | 1.2913% | 1,533 |
| Return on Equity (ROE) | 11.5230% | 1,445 |
| Retained earnings to average equity (ytd only) | 1.2205% | 3,770 |
| Net charge-offs to loans | 0.1680% | 353 |
| Credit loss provision to net charge-offs | 114.2132% | 950 |
| Earnings coverage of net charge-offs (x) | 10.8046% | 1,451 |
| Efficiency ratio | 56.7964% | 3,810 |
| Assets per employee ($millions) | 8.1215% | 1,301 |
| Cash dividends to net income (ytd only)* | 89.4085% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4814% | 1,618 |
| Loan loss allowance to noncurrent loans | 76.0480% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 1.6865% | 200 |
| Noncurrent loans to loans | 1.9480% | 381 |
| Net loans and leases to total assets | 79.3315% | 274 |
| Net loans and leases to deposits | 96.5632% | 266 |
| Net loans and leases to core deposits | 102.4679% | 434 |
| Total domestic deposits to total assets | 82.1550% | 4,055 |
| Equity capital to assets | 10.7341% | 1,475 |
| Core capital (leverage) ratio | 10.6917% | 1,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6155% | 1,948 |
| Memoranda: | ||
| Average total assets | $1,179,286,500 | 871 |
| Average earning assets | $1,129,998,500 | 851 |
| Average equity | $126,182,500 | 814 |
| Average total loans | $938,045,000 | 697 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7375% | 2,012 |
| Cost of funding earning assets | 0.7606% | 250 |
| Net interest margin | 2.9769% | 3,254 |
| Noninterest income to average assets | 0.9734% | 1,054 |
| Noninterest expense to average assets | 1.9479% | 3,820 |
| Loan and lease loss provision to assets | 0.1417% | 848 |
| Net operating income to assets | 1.6478% | 710 |
| Return on assets (ROA) | 1.6478% | 747 |
| Pretax return on assets | 1.7304% | 1,069 |
| Return on Equity (ROE) | 15.1563% | 918 |
| Retained earnings to average equity (ytd only) | 5.7900% | 2,446 |
| Net charge-offs to loans | 0.0583% | 1,206 |
| Credit loss provision to net charge-offs | 301.8868% | 1,056 |
| Earnings coverage of net charge-offs (x) | 39.8887% | 1,441 |
| Efficiency ratio | 50.8218% | 4,220 |
| Assets per employee ($millions) | 7.7213% | 1,483 |
| Cash dividends to net income (ytd only)* | 61.7981% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4872% | 1,604 |
| Loan loss allowance to noncurrent loans | 75.7028% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 1.6597% | 235 |
| Noncurrent loans to loans | 1.9645% | 401 |
| Net loans and leases to total assets | 77.4100% | 414 |
| Net loans and leases to deposits | 94.0596% | 380 |
| Net loans and leases to core deposits | 101.3404% | 480 |
| Total domestic deposits to total assets | 82.2989% | 3,923 |
| Equity capital to assets | 10.6662% | 2,036 |
| Core capital (leverage) ratio | 10.8137% | 1,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6370% | 2,003 |
| Memoranda: | ||
| Average total assets | $1,129,292,200 | 875 |
| Average earning assets | $1,079,886,600 | 847 |
| Average equity | $122,780,800 | 844 |
| Average total loans | $909,536,400 | 718 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8901% | 1,791 |
| Cost of funding earning assets | 0.7880% | 256 |
| Net interest margin | 3.1021% | 3,049 |
| Noninterest income to average assets | 1.0001% | 1,069 |
| Noninterest expense to average assets | 2.0073% | 3,650 |
| Loan and lease loss provision to assets | 0.1436% | 786 |
| Net operating income to assets | 1.7332% | 766 |
| Return on assets (ROA) | 1.7332% | 800 |
| Pretax return on assets | 1.8150% | 1,130 |
| Return on Equity (ROE) | 15.8614% | 977 |
| Retained earnings to average equity (ytd only) | 3.2695% | 3,809 |
| Net charge-offs to loans | 0.0787% | 878 |
| Credit loss provision to net charge-offs | 225.1407% | 1,154 |
| Earnings coverage of net charge-offs (x) | 30.7111% | 1,512 |
| Efficiency ratio | 50.4465% | 4,182 |
| Assets per employee ($millions) | 7.4540% | 1,594 |
| Cash dividends to net income (ytd only)* | 79.3870% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4989% | 1,638 |
| Loan loss allowance to noncurrent loans | 77.0632% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 1.6671% | 272 |
| Noncurrent loans to loans | 1.9451% | 461 |
| Net loans and leases to total assets | 78.2601% | 384 |
| Net loans and leases to deposits | 95.9570% | 354 |
| Net loans and leases to core deposits | 104.3074% | 448 |
| Total domestic deposits to total assets | 81.5574% | 4,002 |
| Equity capital to assets | 10.8479% | 2,127 |
| Core capital (leverage) ratio | 10.8633% | 1,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6240% | 2,118 |
| Memoranda: | ||
| Average total assets | $1,114,345,500 | 892 |
| Average earning assets | $1,065,344,000 | 866 |
| Average equity | $121,768,500 | 864 |
| Average total loans | $903,330,000 | 738 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8734% | 1,890 |
| Cost of funding earning assets | 0.8118% | 278 |
| Net interest margin | 3.0616% | 3,140 |
| Noninterest income to average assets | 1.0486% | 999 |
| Noninterest expense to average assets | 1.9635% | 3,800 |
| Loan and lease loss provision to assets | 0.1624% | 714 |
| Net operating income to assets | 1.7671% | 768 |
| Return on assets (ROA) | 1.7671% | 809 |
| Pretax return on assets | 1.8503% | 1,123 |
| Return on Equity (ROE) | 16.1316% | 932 |
| Retained earnings to average equity (ytd only) | 2.5389% | 3,987 |
| Net charge-offs to loans | 0.1057% | 715 |
| Credit loss provision to net charge-offs | 188.2845% | 1,070 |
| Earnings coverage of net charge-offs (x) | 23.3305% | 1,466 |
| Efficiency ratio | 49.2125% | 4,300 |
| Assets per employee ($millions) | 7.3821% | 1,543 |
| Cash dividends to net income (ytd only)* | 84.2611% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4626% | 1,717 |
| Loan loss allowance to noncurrent loans | 67.6471% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 2.0058% | 211 |
| Noncurrent loans to loans | 2.1621% | 420 |
| Net loans and leases to total assets | 81.1459% | 257 |
| Net loans and leases to deposits | 100.3339% | 244 |
| Net loans and leases to core deposits | 109.1576% | 385 |
| Total domestic deposits to total assets | 80.8759% | 4,105 |
| Equity capital to assets | 11.0435% | 1,948 |
| Core capital (leverage) ratio | 10.7353% | 1,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8814% | 2,010 |
| Memoranda: | ||
| Average total assets | $1,108,126,667 | 889 |
| Average earning assets | $1,059,650,000 | 863 |
| Average equity | $121,389,000 | 858 |
| Average total loans | $904,379,667 | 740 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8060% | 2,087 |
| Cost of funding earning assets | 0.8397% | 294 |
| Net interest margin | 2.9663% | 3,341 |
| Noninterest income to average assets | 1.1530% | 920 |
| Noninterest expense to average assets | 1.8597% | 4,088 |
| Loan and lease loss provision to assets | 0.1618% | 777 |
| Net operating income to assets | 1.8921% | 673 |
| Return on assets (ROA) | 1.8921% | 722 |
| Pretax return on assets | 1.9683% | 1,000 |
| Return on Equity (ROE) | 17.3419% | 800 |
| Retained earnings to average equity (ytd only) | 9.1011% | 1,920 |
| Net charge-offs to loans | 0.0022% | 1,840 |
| Credit loss provision to net charge-offs | 9,000.0000% | 68 |
| Earnings coverage of net charge-offs (x) | 1,184.6000% | 74 |
| Efficiency ratio | 46.4395% | 4,437 |
| Assets per employee ($millions) | 7.5402% | 1,428 |
| Cash dividends to net income (ytd only)* | 47.5195% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4389% | 1,810 |
| Loan loss allowance to noncurrent loans | 72.0232% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 1.7747% | 315 |
| Noncurrent loans to loans | 1.9979% | 542 |
| Net loans and leases to total assets | 81.4565% | 250 |
| Net loans and leases to deposits | 100.5848% | 273 |
| Net loans and leases to core deposits | 110.5716% | 393 |
| Total domestic deposits to total assets | 80.9829% | 4,065 |
| Equity capital to assets | 10.9958% | 1,868 |
| Core capital (leverage) ratio | 10.8342% | 1,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9076% | 2,321 |
| Memoranda: | ||
| Average total assets | $1,112,222,500 | 879 |
| Average earning assets | $1,063,694,000 | 852 |
| Average equity | $121,348,000 | 852 |
| Average total loans | $903,669,500 | 732 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4407% | 1,460 |
| Cost of funding earning assets | 1.2373% | 236 |
| Net interest margin | 3.2034% | 3,351 |
| Noninterest income to average assets | 0.9907% | 1,062 |
| Noninterest expense to average assets | 1.9525% | 4,226 |
| Loan and lease loss provision to assets | 0.3654% | 912 |
| Net operating income to assets | 1.6390% | 586 |
| Return on assets (ROA) | 1.6389% | 633 |
| Pretax return on assets | 1.7279% | 806 |
| Return on Equity (ROE) | 14.5452% | 708 |
| Retained earnings to average equity (ytd only) | 4.6447% | 2,457 |
| Net charge-offs to loans | 0.4878% | 331 |
| Credit loss provision to net charge-offs | 86.0118% | 2,956 |
| Earnings coverage of net charge-offs (x) | 4.9271% | 2,923 |
| Efficiency ratio | 48.0830% | 4,629 |
| Assets per employee ($millions) | 7.5925% | 1,223 |
| Cash dividends to net income (ytd only)* | 68.0671% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4492% | 1,781 |
| Loan loss allowance to noncurrent loans | 75.1421% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 1.8658% | 321 |
| Noncurrent loans to loans | 1.9286% | 616 |
| Net loans and leases to total assets | 78.6859% | 530 |
| Net loans and leases to deposits | 97.5470% | 481 |
| Net loans and leases to core deposits | 108.8137% | 548 |
| Total domestic deposits to total assets | 80.6646% | 3,930 |
| Equity capital to assets | 10.8245% | 2,407 |
| Core capital (leverage) ratio | 10.7013% | 2,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7629% | 1,946 |
| Memoranda: | ||
| Average total assets | $1,039,828,000 | 847 |
| Average earning assets | $991,715,400 | 825 |
| Average equity | $117,165,800 | 839 |
| Average total loans | $905,729,000 | 708 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5833% | 1,357 |
| Cost of funding earning assets | 1.3048% | 239 |
| Net interest margin | 3.2785% | 3,250 |
| Noninterest income to average assets | 0.9365% | 1,139 |
| Noninterest expense to average assets | 1.9618% | 4,233 |
| Loan and lease loss provision to assets | 0.4270% | 783 |
| Net operating income to assets | 1.5989% | 730 |
| Return on assets (ROA) | 1.5988% | 800 |
| Pretax return on assets | 1.6742% | 1,016 |
| Return on Equity (ROE) | 14.0394% | 878 |
| Retained earnings to average equity (ytd only) | 0.7590% | 4,320 |
| Net charge-offs to loans | 0.2427% | 633 |
| Credit loss provision to net charge-offs | 197.5271% | 2,124 |
| Earnings coverage of net charge-offs (x) | 9.7207% | 2,407 |
| Efficiency ratio | 48.1036% | 4,605 |
| Assets per employee ($millions) | 7.4907% | 1,216 |
| Cash dividends to net income (ytd only)* | 94.5935% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6197% | 1,044 |
| Loan loss allowance to noncurrent loans | 80.9209% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 1.8533% | 399 |
| Noncurrent loans to loans | 2.0016% | 603 |
| Net loans and leases to total assets | 84.8077% | 219 |
| Net loans and leases to deposits | 105.7026% | 331 |
| Net loans and leases to core deposits | 120.6151% | 399 |
| Total domestic deposits to total assets | 80.2324% | 3,814 |
| Equity capital to assets | 10.6818% | 2,639 |
| Core capital (leverage) ratio | 10.5016% | 2,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0643% | 2,170 |
| Memoranda: | ||
| Average total assets | $1,022,660,250 | 848 |
| Average earning assets | $975,253,250 | 821 |
| Average equity | $116,460,000 | 843 |
| Average total loans | $910,896,750 | 699 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1814% | 590 |
| Cost of funding earning assets | 1.3632% | 265 |
| Net interest margin | 3.8182% | 1,780 |
| Noninterest income to average assets | 0.8735% | 1,228 |
| Noninterest expense to average assets | 2.0596% | 4,116 |
| Loan and lease loss provision to assets | 0.4980% | 726 |
| Net operating income to assets | 1.8647% | 436 |
| Return on assets (ROA) | 1.8645% | 481 |
| Pretax return on assets | 1.9526% | 609 |
| Return on Equity (ROE) | 15.9274% | 578 |
| Retained earnings to average equity (ytd only) | 8.4402% | 1,181 |
| Net charge-offs to loans | 0.2863% | 556 |
| Credit loss provision to net charge-offs | 193.0502% | 1,948 |
| Earnings coverage of net charge-offs (x) | 9.5004% | 2,216 |
| Efficiency ratio | 45.4995% | 4,754 |
| Assets per employee ($millions) | 7.6613% | 1,098 |
| Cash dividends to net income (ytd only)* | 47.0085% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5445% | 1,137 |
| Loan loss allowance to noncurrent loans | 73.9400% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 1.9488% | 379 |
| Noncurrent loans to loans | 2.0888% | 619 |
| Net loans and leases to total assets | 85.8380% | 143 |
| Net loans and leases to deposits | 109.4758% | 241 |
| Net loans and leases to core deposits | 125.2465% | 326 |
| Total domestic deposits to total assets | 78.4082% | 4,132 |
| Equity capital to assets | 10.9870% | 2,353 |
| Core capital (leverage) ratio | 11.2926% | 1,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8073% | 2,264 |
| Memoranda: | ||
| Average total assets | $1,003,995,667 | 849 |
| Average earning assets | $956,308,667 | 823 |
| Average equity | $117,533,333 | 824 |
| Average total loans | $904,581,333 | 691 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9453% | 1,075 |
| Cost of funding earning assets | 1.4627% | 307 |
| Net interest margin | 3.4826% | 3,041 |
| Noninterest income to average assets | 0.6894% | 1,683 |
| Noninterest expense to average assets | 1.9974% | 4,396 |
| Loan and lease loss provision to assets | 0.2495% | 1,242 |
| Net operating income to assets | 1.6689% | 543 |
| Return on assets (ROA) | 1.6689% | 600 |
| Pretax return on assets | 1.7479% | 774 |
| Return on Equity (ROE) | 13.7777% | 744 |
| Retained earnings to average equity (ytd only) | 13.7777% | 271 |
| Net charge-offs to loans | 0.4133% | 353 |
| Credit loss provision to net charge-offs | 65.7895% | 1,992 |
| Earnings coverage of net charge-offs (x) | 5.2675% | 2,076 |
| Efficiency ratio | 49.8127% | 4,683 |
| Assets per employee ($millions) | 7.1219% | 1,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4756% | 1,429 |
| Loan loss allowance to noncurrent loans | 82.7213% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 2.0532% | 399 |
| Noncurrent loans to loans | 1.7838% | 844 |
| Net loans and leases to total assets | 89.8648% | 34 |
| Net loans and leases to deposits | 115.5273% | 119 |
| Net loans and leases to core deposits | 131.6263% | 248 |
| Total domestic deposits to total assets | 77.7866% | 4,253 |
| Equity capital to assets | 12.1492% | 1,963 |
| Core capital (leverage) ratio | 12.1457% | 1,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5092% | 2,477 |
| Memoranda: | ||
| Average total assets | $962,043,000 | 854 |
| Average earning assets | $913,112,500 | 829 |
| Average equity | $116,536,000 | 822 |
| Average total loans | $882,631,000 | 683 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0476% | 1,348 |
| Cost of funding earning assets | 1.6452% | 248 |
| Net interest margin | 3.4024% | 3,739 |
| Noninterest income to average assets | 0.7327% | 1,692 |
| Noninterest expense to average assets | 1.9503% | 4,606 |
| Loan and lease loss provision to assets | 0.2922% | 580 |
| Net operating income to assets | 1.6263% | 786 |
| Return on assets (ROA) | 1.6263% | 840 |
| Pretax return on assets | 1.7081% | 1,169 |
| Return on Equity (ROE) | 13.6714% | 967 |
| Retained earnings to average equity (ytd only) | 3.8449% | 3,048 |
| Net charge-offs to loans | 0.1969% | 1,030 |
| Credit loss provision to net charge-offs | 165.0660% | 1,571 |
| Earnings coverage of net charge-offs (x) | 11.2983% | 2,506 |
| Efficiency ratio | 49.1675% | 4,776 |
| Assets per employee ($millions) | 6.8723% | 1,092 |
| Cash dividends to net income (ytd only)* | 71.8766% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5359% | 1,122 |
| Loan loss allowance to noncurrent loans | 154.3336% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 1.3570% | 787 |
| Noncurrent loans to loans | 0.9952% | 1,525 |
| Net loans and leases to total assets | 90.8781% | 34 |
| Net loans and leases to deposits | 112.6708% | 146 |
| Net loans and leases to core deposits | 125.2113% | 360 |
| Total domestic deposits to total assets | 80.6581% | 3,841 |
| Equity capital to assets | 12.0766% | 2,091 |
| Core capital (leverage) ratio | 11.7108% | 1,953 |
| Tier 1 risk-based capital ratio | 12.5157% | 4,061 |
| Total risk-based capital ratio | 13.7689% | 3,941 |
| Memoranda: | ||
| Average total assets | $941,004,800 | 830 |
| Average earning assets | $889,961,800 | 810 |
| Average equity | $111,941,800 | 816 |
| Average total loans | $846,309,000 | 683 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0510% | 1,415 |
| Cost of funding earning assets | 1.6617% | 234 |
| Net interest margin | 3.3893% | 3,889 |
| Noninterest income to average assets | 0.6907% | 1,823 |
| Noninterest expense to average assets | 1.9075% | 4,689 |
| Loan and lease loss provision to assets | 0.3052% | 482 |
| Net operating income to assets | 1.6065% | 917 |
| Return on assets (ROA) | 1.6065% | 954 |
| Pretax return on assets | 1.6823% | 1,391 |
| Return on Equity (ROE) | 13.5565% | 1,095 |
| Retained earnings to average equity (ytd only) | 3.0142% | 3,880 |
| Net charge-offs to loans | 0.0926% | 1,548 |
| Credit loss provision to net charge-offs | 368.7822% | 818 |
| Earnings coverage of net charge-offs (x) | 24.0138% | 1,812 |
| Efficiency ratio | 48.7680% | 4,808 |
| Assets per employee ($millions) | 6.8740% | 1,083 |
| Cash dividends to net income (ytd only)* | 77.7660% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6230% | 952 |
| Loan loss allowance to noncurrent loans | 136.1787% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 1.4338% | 796 |
| Noncurrent loans to loans | 1.1918% | 1,315 |
| Net loans and leases to total assets | 88.9890% | 65 |
| Net loans and leases to deposits | 112.2143% | 174 |
| Net loans and leases to core deposits | 125.7768% | 371 |
| Total domestic deposits to total assets | 79.3028% | 4,118 |
| Equity capital to assets | 11.8843% | 2,342 |
| Core capital (leverage) ratio | 11.7156% | 2,070 |
| Tier 1 risk-based capital ratio | 12.4960% | 4,146 |
| Total risk-based capital ratio | 13.7499% | 4,018 |
| Memoranda: | ||
| Average total assets | $939,160,500 | 835 |
| Average earning assets | $887,901,250 | 812 |
| Average equity | $111,294,250 | 814 |
| Average total loans | $839,057,250 | 691 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9639% | 1,577 |
| Cost of funding earning assets | 1.6438% | 233 |
| Net interest margin | 3.3201% | 4,095 |
| Noninterest income to average assets | 0.6669% | 1,849 |
| Noninterest expense to average assets | 1.9271% | 4,711 |
| Loan and lease loss provision to assets | 0.3312% | 395 |
| Net operating income to assets | 1.4810% | 1,198 |
| Return on assets (ROA) | 1.4810% | 1,249 |
| Pretax return on assets | 1.5508% | 1,695 |
| Return on Equity (ROE) | 12.5093% | 1,408 |
| Retained earnings to average equity (ytd only) | 0.5974% | 4,537 |
| Net charge-offs to loans | 0.1218% | 1,219 |
| Credit loss provision to net charge-offs | 305.7199% | 887 |
| Earnings coverage of net charge-offs (x) | 17.3728% | 1,896 |
| Efficiency ratio | 50.3842% | 4,761 |
| Assets per employee ($millions) | 6.5873% | 1,198 |
| Cash dividends to net income (ytd only)* | 95.2244% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5705% | 1,095 |
| Loan loss allowance to noncurrent loans | 128.6153% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 1.4644% | 777 |
| Noncurrent loans to loans | 1.2211% | 1,308 |
| Net loans and leases to total assets | 89.1758% | 74 |
| Net loans and leases to deposits | 112.6408% | 175 |
| Net loans and leases to core deposits | 129.2954% | 333 |
| Total domestic deposits to total assets | 79.1684% | 4,190 |
| Equity capital to assets | 11.7356% | 2,403 |
| Core capital (leverage) ratio | 11.5235% | 2,142 |
| Tier 1 risk-based capital ratio | 12.3935% | 4,188 |
| Total risk-based capital ratio | 13.6472% | 4,063 |
| Memoranda: | ||
| Average total assets | $936,009,330 | 829 |
| Average earning assets | $885,876,000 | 810 |
| Average equity | $110,813,670 | 814 |
| Average total loans | $832,713,330 | 693 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9691% | 1,418 |
| Cost of funding earning assets | 1.6438% | 197 |
| Net interest margin | 3.3253% | 4,103 |
| Noninterest income to average assets | 0.6486% | 1,824 |
| Noninterest expense to average assets | 1.7243% | 4,991 |
| Loan and lease loss provision to assets | 0.3430% | 352 |
| Net operating income to assets | 1.6458% | 815 |
| Return on assets (ROA) | 1.6458% | 845 |
| Pretax return on assets | 1.7234% | 1,159 |
| Return on Equity (ROE) | 13.8409% | 1,004 |
| Retained earnings to average equity (ytd only) | 5.9092% | 2,491 |
| Net charge-offs to loans | 0.1649% | 823 |
| Credit loss provision to net charge-offs | 235.9882% | 956 |
| Earnings coverage of net charge-offs (x) | 14.2183% | 1,802 |
| Efficiency ratio | 45.2839% | 5,054 |
| Assets per employee ($millions) | 6.6656% | 1,163 |
| Cash dividends to net income (ytd only)* | 57.3066% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5272% | 1,250 |
| Loan loss allowance to noncurrent loans | 129.1788% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 1.4653% | 822 |
| Noncurrent loans to loans | 1.1823% | 1,405 |
| Net loans and leases to total assets | 88.5853% | 80 |
| Net loans and leases to deposits | 113.1904% | 157 |
| Net loans and leases to core deposits | 127.8085% | 341 |
| Total domestic deposits to total assets | 78.2622% | 4,472 |
| Equity capital to assets | 11.9804% | 2,033 |
| Core capital (leverage) ratio | 11.8976% | 1,829 |
| Tier 1 risk-based capital ratio | 12.7082% | 4,039 |
| Total risk-based capital ratio | 13.9611% | 3,930 |
| Memoranda: | ||
| Average total assets | $933,021,500 | 836 |
| Average earning assets | $881,605,500 | 818 |
| Average equity | $110,946,500 | 805 |
| Average total loans | $822,357,000 | 698 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8181% | 1,509 |
| Cost of funding earning assets | 1.2845% | 236 |
| Net interest margin | 3.5336% | 3,591 |
| Noninterest income to average assets | 0.7129% | 1,801 |
| Noninterest expense to average assets | 2.0012% | 4,747 |
| Loan and lease loss provision to assets | 0.3517% | 435 |
| Net operating income to assets | 1.6121% | 844 |
| Return on assets (ROA) | 1.6120% | 839 |
| Pretax return on assets | 1.6949% | 1,179 |
| Return on Equity (ROE) | 13.3624% | 1,214 |
| Retained earnings to average equity (ytd only) | 4.5701% | 3,012 |
| Net charge-offs to loans | 0.3473% | 546 |
| Credit loss provision to net charge-offs | 114.2546% | 2,275 |
| Earnings coverage of net charge-offs (x) | 6.6493% | 3,066 |
| Efficiency ratio | 49.2332% | 4,985 |
| Assets per employee ($millions) | 6.8592% | 1,045 |
| Cash dividends to net income (ytd only)* | 65.7986% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5350% | 1,186 |
| Loan loss allowance to noncurrent loans | 92.2595% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 1.8179% | 562 |
| Noncurrent loans to loans | 1.6638% | 873 |
| Net loans and leases to total assets | 84.9935% | 315 |
| Net loans and leases to deposits | 108.9178% | 279 |
| Net loans and leases to core deposits | 120.1074% | 541 |
| Total domestic deposits to total assets | 78.0345% | 4,487 |
| Equity capital to assets | 11.8018% | 2,030 |
| Core capital (leverage) ratio | 12.0067% | 1,730 |
| Tier 1 risk-based capital ratio | 12.8810% | 3,917 |
| Total risk-based capital ratio | 14.1339% | 3,805 |
| Memoranda: | ||
| Average total assets | $895,662,200 | 853 |
| Average earning assets | $845,340,000 | 834 |
| Average equity | $108,049,400 | 789 |
| Average total loans | $793,744,800 | 707 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7646% | 1,512 |
| Cost of funding earning assets | 1.2359% | 210 |
| Net interest margin | 3.5287% | 3,601 |
| Noninterest income to average assets | 0.7178% | 1,796 |
| Noninterest expense to average assets | 2.0378% | 4,667 |
| Loan and lease loss provision to assets | 0.1542% | 1,268 |
| Net operating income to assets | 1.7827% | 617 |
| Return on assets (ROA) | 1.7825% | 621 |
| Pretax return on assets | 1.8580% | 888 |
| Return on Equity (ROE) | 14.6920% | 937 |
| Retained earnings to average equity (ytd only) | 5.6413% | 2,861 |
| Net charge-offs to loans | 0.0413% | 2,256 |
| Credit loss provision to net charge-offs | 418.3673% | 797 |
| Earnings coverage of net charge-offs (x) | 54.6038% | 1,121 |
| Efficiency ratio | 50.1058% | 4,937 |
| Assets per employee ($millions) | 6.8630% | 992 |
| Cash dividends to net income (ytd only)* | 61.6034% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5740% | 1,139 |
| Loan loss allowance to noncurrent loans | 96.7221% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 2.0952% | 495 |
| Noncurrent loans to loans | 1.6273% | 971 |
| Net loans and leases to total assets | 89.3436% | 99 |
| Net loans and leases to deposits | 113.0082% | 206 |
| Net loans and leases to core deposits | 124.9749% | 441 |
| Total domestic deposits to total assets | 79.0594% | 4,302 |
| Equity capital to assets | 12.2895% | 1,706 |
| Core capital (leverage) ratio | 12.1322% | 1,708 |
| Tier 1 risk-based capital ratio | 12.6338% | 4,135 |
| Total risk-based capital ratio | 13.8867% | 4,022 |
| Memoranda: | ||
| Average total assets | $886,364,500 | 858 |
| Average earning assets | $837,045,750 | 841 |
| Average equity | $107,538,500 | 792 |
| Average total loans | $790,875,000 | 708 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6295% | 1,694 |
| Cost of funding earning assets | 1.1685% | 210 |
| Net interest margin | 3.4610% | 3,762 |
| Noninterest income to average assets | 0.7148% | 1,818 |
| Noninterest expense to average assets | 2.0047% | 4,793 |
| Loan and lease loss provision to assets | 0.1696% | 1,084 |
| Net operating income to assets | 1.7496% | 654 |
| Return on assets (ROA) | 1.7496% | 656 |
| Pretax return on assets | 1.8224% | 912 |
| Return on Equity (ROE) | 14.4839% | 961 |
| Retained earnings to average equity (ytd only) | 4.5621% | 3,313 |
| Net charge-offs to loans | 0.0566% | 1,797 |
| Credit loss provision to net charge-offs | 337.8378% | 925 |
| Earnings coverage of net charge-offs (x) | 39.6802% | 1,309 |
| Efficiency ratio | 49.9491% | 5,028 |
| Assets per employee ($millions) | 6.9505% | 945 |
| Cash dividends to net income (ytd only)* | 68.5020% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5699% | 1,177 |
| Loan loss allowance to noncurrent loans | 116.1893% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 1.8718% | 596 |
| Noncurrent loans to loans | 1.3511% | 1,257 |
| Net loans and leases to total assets | 88.0589% | 132 |
| Net loans and leases to deposits | 111.0444% | 258 |
| Net loans and leases to core deposits | 122.6322% | 497 |
| Total domestic deposits to total assets | 79.3007% | 4,376 |
| Equity capital to assets | 12.0900% | 1,795 |
| Core capital (leverage) ratio | 11.9388% | 1,758 |
| Tier 1 risk-based capital ratio | 12.8661% | 3,969 |
| Total risk-based capital ratio | 14.1195% | 3,884 |
| Memoranda: | ||
| Average total assets | $884,420,670 | 864 |
| Average earning assets | $838,666,670 | 841 |
| Average equity | $106,836,000 | 799 |
| Average total loans | $784,544,330 | 709 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4947% | 1,887 |
| Cost of funding earning assets | 1.0849% | 246 |
| Net interest margin | 3.4099% | 3,850 |
| Noninterest income to average assets | 0.6922% | 1,866 |
| Noninterest expense to average assets | 1.8929% | 5,030 |
| Loan and lease loss provision to assets | 0.1701% | 1,044 |
| Net operating income to assets | 1.7814% | 586 |
| Return on assets (ROA) | 1.7814% | 593 |
| Pretax return on assets | 1.8557% | 810 |
| Return on Equity (ROE) | 14.7529% | 844 |
| Retained earnings to average equity (ytd only) | 9.8691% | 1,203 |
| Net charge-offs to loans | 0.0462% | 1,658 |
| Credit loss provision to net charge-offs | 416.6667% | 673 |
| Earnings coverage of net charge-offs (x) | 49.6222% | 948 |
| Efficiency ratio | 48.0958% | 5,192 |
| Assets per employee ($millions) | 6.9820% | 967 |
| Cash dividends to net income (ytd only)* | 33.1042% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5035% | 1,454 |
| Loan loss allowance to noncurrent loans | 103.2883% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 1.9505% | 593 |
| Noncurrent loans to loans | 1.4557% | 1,216 |
| Net loans and leases to total assets | 86.8035% | 207 |
| Net loans and leases to deposits | 109.3280% | 273 |
| Net loans and leases to core deposits | 121.7629% | 530 |
| Total domestic deposits to total assets | 79.3973% | 4,508 |
| Equity capital to assets | 12.0577% | 1,745 |
| Core capital (leverage) ratio | 12.3255% | 1,464 |
| Tier 1 risk-based capital ratio | 12.9780% | 3,958 |
| Total risk-based capital ratio | 14.2307% | 3,860 |
| Memoranda: | ||
| Average total assets | $881,800,500 | 872 |
| Average earning assets | $834,398,500 | 853 |
| Average equity | $106,474,000 | 799 |
| Average total loans | $778,856,000 | 712 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4167% | 1,983 |
| Cost of funding earning assets | 0.9990% | 215 |
| Net interest margin | 3.4177% | 3,795 |
| Noninterest income to average assets | 0.7030% | 1,950 |
| Noninterest expense to average assets | 1.9514% | 5,045 |
| Loan and lease loss provision to assets | 0.4154% | 346 |
| Net operating income to assets | 1.5019% | 802 |
| Return on assets (ROA) | 1.5019% | 816 |
| Pretax return on assets | 1.5645% | 1,402 |
| Return on Equity (ROE) | 12.4246% | 1,098 |
| Retained earnings to average equity (ytd only) | 5.8461% | 1,628 |
| Net charge-offs to loans | 0.3410% | 745 |
| Credit loss provision to net charge-offs | 137.7410% | 1,921 |
| Earnings coverage of net charge-offs (x) | 6.5647% | 3,166 |
| Efficiency ratio | 49.4143% | 5,250 |
| Assets per employee ($millions) | 6.9592% | 985 |
| Cash dividends to net income (ytd only)* | 52.9477% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5007% | 1,407 |
| Loan loss allowance to noncurrent loans | 95.7022% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 2.0847% | 523 |
| Noncurrent loans to loans | 1.5681% | 1,077 |
| Net loans and leases to total assets | 87.1996% | 177 |
| Net loans and leases to deposits | 105.9578% | 401 |
| Net loans and leases to core deposits | 117.2913% | 678 |
| Total domestic deposits to total assets | 82.2965% | 3,787 |
| Equity capital to assets | 12.0920% | 1,765 |
| Core capital (leverage) ratio | 12.0573% | 1,573 |
| Tier 1 risk-based capital ratio | 12.9128% | 3,960 |
| Total risk-based capital ratio | 14.1652% | 3,860 |
| Memoranda: | ||
| Average total assets | $842,518,800 | 884 |
| Average earning assets | $795,826,600 | 864 |
| Average equity | $101,846,200 | 809 |
| Average total loans | $745,102,400 | 704 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3941% | 1,977 |
| Cost of funding earning assets | 0.9813% | 214 |
| Net interest margin | 3.4128% | 3,804 |
| Noninterest income to average assets | 0.6821% | 2,075 |
| Noninterest expense to average assets | 1.9254% | 5,101 |
| Loan and lease loss provision to assets | 0.3989% | 336 |
| Net operating income to assets | 1.5205% | 859 |
| Return on assets (ROA) | 1.5205% | 881 |
| Pretax return on assets | 1.5838% | 1,479 |
| Return on Equity (ROE) | 12.5792% | 1,155 |
| Retained earnings to average equity (ytd only) | 4.3955% | 3,281 |
| Net charge-offs to loans | 0.0487% | 2,462 |
| Credit loss provision to net charge-offs | 925.9259% | 377 |
| Earnings coverage of net charge-offs (x) | 46.0261% | 1,179 |
| Efficiency ratio | 49.0386% | 5,287 |
| Assets per employee ($millions) | 6.6519% | 1,099 |
| Cash dividends to net income (ytd only)* | 65.0577% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6979% | 1,039 |
| Loan loss allowance to noncurrent loans | 106.5360% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 1.8900% | 713 |
| Noncurrent loans to loans | 1.5938% | 1,154 |
| Net loans and leases to total assets | 89.3179% | 103 |
| Net loans and leases to deposits | 109.3585% | 299 |
| Net loans and leases to core deposits | 121.5918% | 529 |
| Total domestic deposits to total assets | 81.6744% | 3,875 |
| Equity capital to assets | 12.3465% | 1,747 |
| Core capital (leverage) ratio | 12.0552% | 1,650 |
| Tier 1 risk-based capital ratio | 12.8491% | 4,115 |
| Total risk-based capital ratio | 14.1039% | 4,010 |
| Memoranda: | ||
| Average total assets | $835,672,750 | 895 |
| Average earning assets | $789,956,500 | 873 |
| Average equity | $101,010,500 | 812 |
| Average total loans | $738,850,750 | 710 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3029% | 2,113 |
| Cost of funding earning assets | 0.9576% | 216 |
| Net interest margin | 3.3453% | 3,969 |
| Noninterest income to average assets | 0.6637% | 2,152 |
| Noninterest expense to average assets | 1.9590% | 5,059 |
| Loan and lease loss provision to assets | 0.5256% | 214 |
| Net operating income to assets | 1.2876% | 1,326 |
| Return on assets (ROA) | 1.2876% | 1,354 |
| Pretax return on assets | 1.3418% | 2,241 |
| Return on Equity (ROE) | 10.7286% | 1,745 |
| Retained earnings to average equity (ytd only) | 2.7653% | 4,053 |
| Net charge-offs to loans | 0.0592% | 2,087 |
| Credit loss provision to net charge-offs | 1,013.8249% | 382 |
| Earnings coverage of net charge-offs (x) | 36.0184% | 1,341 |
| Efficiency ratio | 50.9647% | 5,247 |
| Assets per employee ($millions) | 6.4650% | 1,177 |
| Cash dividends to net income (ytd only)* | 74.2253% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6568% | 1,140 |
| Loan loss allowance to noncurrent loans | 105.3332% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 1.9036% | 696 |
| Noncurrent loans to loans | 1.5729% | 1,189 |
| Net loans and leases to total assets | 90.9537% | 59 |
| Net loans and leases to deposits | 111.3038% | 239 |
| Net loans and leases to core deposits | 123.4371% | 451 |
| Total domestic deposits to total assets | 81.7166% | 3,971 |
| Equity capital to assets | 12.2688% | 1,748 |
| Core capital (leverage) ratio | 11.7978% | 1,769 |
| Tier 1 risk-based capital ratio | 12.6420% | 4,217 |
| Total risk-based capital ratio | 13.8965% | 4,128 |
| Memoranda: | ||
| Average total assets | $837,066,000 | 902 |
| Average earning assets | $791,369,000 | 878 |
| Average equity | $100,460,670 | 819 |
| Average total loans | $733,301,000 | 715 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0948% | 2,671 |
| Cost of funding earning assets | 0.9317% | 235 |
| Net interest margin | 3.1631% | 4,459 |
| Noninterest income to average assets | 0.6537% | 2,160 |
| Noninterest expense to average assets | 1.8919% | 5,252 |
| Loan and lease loss provision to assets | 0.7573% | 135 |
| Net operating income to assets | 0.9505% | 2,527 |
| Return on assets (ROA) | 0.9505% | 2,586 |
| Pretax return on assets | 0.9902% | 3,408 |
| Return on Equity (ROE) | 8.0061% | 2,918 |
| Retained earnings to average equity (ytd only) | 8.0061% | 1,458 |
| Net charge-offs to loans | 0.0672% | 1,659 |
| Credit loss provision to net charge-offs | 1,322.3140% | 248 |
| Earnings coverage of net charge-offs (x) | 30.5124% | 1,208 |
| Efficiency ratio | 51.7493% | 5,277 |
| Assets per employee ($millions) | 6.6759% | 1,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6481% | 1,254 |
| Loan loss allowance to noncurrent loans | 83.3241% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 2.1921% | 573 |
| Noncurrent loans to loans | 1.9780% | 905 |
| Net loans and leases to total assets | 85.6776% | 246 |
| Net loans and leases to deposits | 105.5607% | 335 |
| Net loans and leases to core deposits | 116.9467% | 563 |
| Total domestic deposits to total assets | 81.1643% | 4,380 |
| Equity capital to assets | 12.0472% | 1,804 |
| Core capital (leverage) ratio | 11.8191% | 1,736 |
| Tier 1 risk-based capital ratio | 12.9346% | 4,121 |
| Total risk-based capital ratio | 14.1887% | 4,011 |
| Memoranda: | ||
| Average total assets | $845,070,500 | 899 |
| Average earning assets | $797,697,000 | 880 |
| Average equity | $100,324,000 | 819 |
| Average total loans | $720,270,000 | 731 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4211% | 1,768 |
| Cost of funding earning assets | 0.9295% | 250 |
| Net interest margin | 3.4916% | 3,465 |
| Noninterest income to average assets | 0.6911% | 2,214 |
| Noninterest expense to average assets | 1.9317% | 5,319 |
| Loan and lease loss provision to assets | 0.3423% | 505 |
| Net operating income to assets | 1.6437% | 620 |
| Return on assets (ROA) | 1.6435% | 645 |
| Pretax return on assets | 1.7119% | 971 |
| Return on Equity (ROE) | 13.7986% | 807 |
| Retained earnings to average equity (ytd only) | 5.4837% | 2,023 |
| Net charge-offs to loans | 0.2492% | 1,115 |
| Credit loss provision to net charge-offs | 155.4692% | 1,768 |
| Earnings coverage of net charge-offs (x) | 9.3298% | 2,762 |
| Efficiency ratio | 48.2516% | 5,568 |
| Assets per employee ($millions) | 7.0164% | 916 |
| Cash dividends to net income (ytd only)* | 60.2589% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4974% | 1,680 |
| Loan loss allowance to noncurrent loans | 101.5815% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 1.2289% | 1,459 |
| Noncurrent loans to loans | 1.4740% | 1,372 |
| Net loans and leases to total assets | 82.1195% | 588 |
| Net loans and leases to deposits | 101.0163% | 598 |
| Net loans and leases to core deposits | 112.6715% | 748 |
| Total domestic deposits to total assets | 81.2934% | 4,261 |
| Equity capital to assets | 11.6978% | 2,011 |
| Core capital (leverage) ratio | 11.6093% | 1,854 |
| Tier 1 risk-based capital ratio | 13.2477% | 3,924 |
| Total risk-based capital ratio | 14.5001% | 3,839 |
| Memoranda: | ||
| Average total assets | $817,884,600 | 888 |
| Average earning assets | $771,847,400 | 875 |
| Average equity | $97,416,000 | 810 |
| Average total loans | $722,797,800 | 700 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5707% | 1,356 |
| Cost of funding earning assets | 0.9216% | 262 |
| Net interest margin | 3.6491% | 2,892 |
| Noninterest income to average assets | 0.6916% | 2,207 |
| Noninterest expense to average assets | 1.9631% | 5,277 |
| Loan and lease loss provision to assets | 0.2880% | 601 |
| Net operating income to assets | 1.7919% | 499 |
| Return on assets (ROA) | 1.7913% | 528 |
| Pretax return on assets | 1.8866% | 731 |
| Return on Equity (ROE) | 14.9694% | 671 |
| Retained earnings to average equity (ytd only) | 6.5797% | 1,856 |
| Net charge-offs to loans | -0.0962% | 5,563 |
| Credit loss provision to net charge-offs | -333.9695% | 4,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2380% | 5,620 |
| Assets per employee ($millions) | 6.7577% | 978 |
| Cash dividends to net income (ytd only)* | 56.0456% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6508% | 1,326 |
| Loan loss allowance to noncurrent loans | 89.5670% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 1.6212% | 1,072 |
| Noncurrent loans to loans | 1.8431% | 1,107 |
| Net loans and leases to total assets | 86.5062% | 218 |
| Net loans and leases to deposits | 107.4693% | 327 |
| Net loans and leases to core deposits | 132.2823% | 272 |
| Total domestic deposits to total assets | 80.4939% | 4,390 |
| Equity capital to assets | 12.0890% | 2,050 |
| Core capital (leverage) ratio | 11.8287% | 1,793 |
| Tier 1 risk-based capital ratio | 12.9100% | 4,217 |
| Total risk-based capital ratio | 14.1642% | 4,127 |
| Memoranda: | ||
| Average total assets | $810,110,250 | 898 |
| Average earning assets | $765,202,500 | 876 |
| Average equity | $96,942,000 | 819 |
| Average total loans | $726,552,750 | 686 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6248% | 1,222 |
| Cost of funding earning assets | 0.9011% | 289 |
| Net interest margin | 3.7237% | 2,601 |
| Noninterest income to average assets | 0.6521% | 2,358 |
| Noninterest expense to average assets | 1.9007% | 5,449 |
| Loan and lease loss provision to assets | 0.3715% | 424 |
| Net operating income to assets | 1.7964% | 477 |
| Return on assets (ROA) | 1.7955% | 504 |
| Pretax return on assets | 1.8901% | 713 |
| Return on Equity (ROE) | 15.0562% | 662 |
| Retained earnings to average equity (ytd only) | 6.7493% | 1,739 |
| Net charge-offs to loans | 0.0036% | 3,582 |
| Credit loss provision to net charge-offs | 11,538.4615% | 25 |
| Earnings coverage of net charge-offs (x) | 702.7692% | 81 |
| Efficiency ratio | 45.4702% | 5,777 |
| Assets per employee ($millions) | 6.6717% | 1,014 |
| Cash dividends to net income (ytd only)* | 55.1724% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5258% | 1,770 |
| Loan loss allowance to noncurrent loans | 167.6142% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.8261% | 2,527 |
| Noncurrent loans to loans | 0.9103% | 2,463 |
| Net loans and leases to total assets | 89.3660% | 85 |
| Net loans and leases to deposits | 111.2264% | 225 |
| Net loans and leases to core deposits | 125.6199% | 377 |
| Total domestic deposits to total assets | 80.3460% | 4,466 |
| Equity capital to assets | 12.1566% | 2,009 |
| Core capital (leverage) ratio | 11.7344% | 1,824 |
| Tier 1 risk-based capital ratio | 12.7382% | 4,358 |
| Total risk-based capital ratio | 13.9911% | 4,258 |
| Memoranda: | ||
| Average total assets | $807,585,000 | 893 |
| Average earning assets | $761,495,670 | 879 |
| Average equity | $96,306,000 | 822 |
| Average total loans | $728,996,330 | 687 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5875% | 1,296 |
| Cost of funding earning assets | 0.8693% | 345 |
| Net interest margin | 3.7182% | 2,595 |
| Noninterest income to average assets | 0.6204% | 2,415 |
| Noninterest expense to average assets | 1.8908% | 5,534 |
| Loan and lease loss provision to assets | 0.3699% | 394 |
| Net operating income to assets | 1.7601% | 503 |
| Return on assets (ROA) | 1.7586% | 538 |
| Pretax return on assets | 1.8514% | 767 |
| Return on Equity (ROE) | 14.8900% | 689 |
| Retained earnings to average equity (ytd only) | 14.8900% | 255 |
| Net charge-offs to loans | -0.0131% | 4,652 |
| Credit loss provision to net charge-offs | -3,125.0000% | 4,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8218% | 5,819 |
| Assets per employee ($millions) | 6.8860% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4026% | 2,407 |
| Loan loss allowance to noncurrent loans | 353.5446% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.3642% | 4,108 |
| Noncurrent loans to loans | 0.3967% | 4,013 |
| Net loans and leases to total assets | 90.5079% | 54 |
| Net loans and leases to deposits | 112.4836% | 174 |
| Net loans and leases to core deposits | 141.5110% | 160 |
| Total domestic deposits to total assets | 80.4631% | 4,647 |
| Equity capital to assets | 12.1167% | 1,944 |
| Core capital (leverage) ratio | 11.9282% | 1,658 |
| Tier 1 risk-based capital ratio | 12.5486% | 4,545 |
| Total risk-based capital ratio | 13.8001% | 4,457 |
| Memoranda: | ||
| Average total assets | $811,078,000 | 896 |
| Average earning assets | $761,982,000 | 880 |
| Average equity | $95,796,000 | 827 |
| Average total loans | $730,220,000 | 683 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4586% | 1,721 |
| Cost of funding earning assets | 0.8295% | 423 |
| Net interest margin | 3.6291% | 3,019 |
| Noninterest income to average assets | 0.7252% | 2,090 |
| Noninterest expense to average assets | 1.9728% | 5,509 |
| Loan and lease loss provision to assets | 0.1504% | 1,568 |
| Net operating income to assets | 1.9628% | 369 |
| Return on assets (ROA) | 1.9641% | 376 |
| Pretax return on assets | 2.0464% | 488 |
| Return on Equity (ROE) | 16.8744% | 467 |
| Retained earnings to average equity (ytd only) | 8.1461% | 866 |
| Net charge-offs to loans | 0.0906% | 2,530 |
| Credit loss provision to net charge-offs | 181.1594% | 1,507 |
| Earnings coverage of net charge-offs (x) | 26.4477% | 1,585 |
| Efficiency ratio | 47.2484% | 5,869 |
| Assets per employee ($millions) | 7.0999% | 856 |
| Cash dividends to net income (ytd only)* | 51.7253% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3316% | 2,751 |
| Loan loss allowance to noncurrent loans | 253.3386% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.4641% | 3,754 |
| Noncurrent loans to loans | 0.5256% | 3,588 |
| Net loans and leases to total assets | 87.1140% | 163 |
| Net loans and leases to deposits | 107.7469% | 307 |
| Net loans and leases to core deposits | 117.1799% | 569 |
| Total domestic deposits to total assets | 80.8506% | 4,528 |
| Equity capital to assets | 11.5093% | 2,350 |
| Core capital (leverage) ratio | 11.6085% | 1,885 |
| Tier 1 risk-based capital ratio | 12.2175% | 4,818 |
| Total risk-based capital ratio | 13.4678% | 4,715 |
| Memoranda: | ||
| Average total assets | $748,078,200 | 922 |
| Average earning assets | $709,728,000 | 897 |
| Average equity | $87,072,800 | 874 |
| Average total loans | $685,535,800 | 682 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4465% | 1,768 |
| Cost of funding earning assets | 0.8216% | 438 |
| Net interest margin | 3.6250% | 3,057 |
| Noninterest income to average assets | 0.7395% | 2,067 |
| Noninterest expense to average assets | 1.8933% | 5,649 |
| Loan and lease loss provision to assets | 0.1231% | 1,851 |
| Net operating income to assets | 2.0718% | 319 |
| Return on assets (ROA) | 2.0735% | 339 |
| Pretax return on assets | 2.1822% | 436 |
| Return on Equity (ROE) | 17.7590% | 420 |
| Retained earnings to average equity (ytd only) | 8.8545% | 955 |
| Net charge-offs to loans | -0.0240% | 5,264 |
| Credit loss provision to net charge-offs | -553.2787% | 5,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0867% | 6,000 |
| Assets per employee ($millions) | 6.7576% | 962 |
| Cash dividends to net income (ytd only)* | 50.1408% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4067% | 2,566 |
| Loan loss allowance to noncurrent loans | 442.3971% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.2928% | 4,595 |
| Noncurrent loans to loans | 0.3180% | 4,456 |
| Net loans and leases to total assets | 90.7922% | 47 |
| Net loans and leases to deposits | 115.4132% | 158 |
| Net loans and leases to core deposits | 123.9826% | 374 |
| Total domestic deposits to total assets | 78.6671% | 5,059 |
| Equity capital to assets | 12.1246% | 2,014 |
| Core capital (leverage) ratio | 11.7727% | 1,838 |
| Tier 1 risk-based capital ratio | 12.3909% | 4,831 |
| Total risk-based capital ratio | 13.6422% | 4,735 |
| Memoranda: | ||
| Average total assets | $730,975,500 | 952 |
| Average earning assets | $697,185,000 | 925 |
| Average equity | $85,348,000 | 897 |
| Average total loans | $676,701,000 | 693 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3565% | 1,990 |
| Cost of funding earning assets | 0.8127% | 463 |
| Net interest margin | 3.5438% | 3,316 |
| Noninterest income to average assets | 0.7732% | 1,906 |
| Noninterest expense to average assets | 1.7906% | 5,865 |
| Loan and lease loss provision to assets | 0.1250% | 1,771 |
| Net operating income to assets | 2.1325% | 295 |
| Return on assets (ROA) | 2.1325% | 310 |
| Pretax return on assets | 2.2450% | 385 |
| Return on Equity (ROE) | 18.5156% | 377 |
| Retained earnings to average equity (ytd only) | 9.3518% | 818 |
| Net charge-offs to loans | -0.0371% | 5,418 |
| Credit loss provision to net charge-offs | -362.9032% | 5,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0374% | 6,146 |
| Assets per employee ($millions) | 7.2564% | 745 |
| Cash dividends to net income (ytd only)* | 49.4921% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4540% | 2,491 |
| Loan loss allowance to noncurrent loans | 445.5760% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.3051% | 4,660 |
| Noncurrent loans to loans | 0.3263% | 4,527 |
| Net loans and leases to total assets | 92.1527% | 27 |
| Net loans and leases to deposits | 112.4213% | 214 |
| Net loans and leases to core deposits | 120.7090% | 450 |
| Total domestic deposits to total assets | 81.9709% | 4,299 |
| Equity capital to assets | 11.8499% | 2,137 |
| Core capital (leverage) ratio | 11.7992% | 1,775 |
| Tier 1 risk-based capital ratio | 12.1509% | 5,036 |
| Total risk-based capital ratio | 13.4028% | 4,935 |
| Memoranda: | ||
| Average total assets | $720,096,000 | 968 |
| Average earning assets | $688,308,670 | 935 |
| Average equity | $82,935,670 | 925 |
| Average total loans | $667,870,000 | 702 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2800% | 2,163 |
| Cost of funding earning assets | 0.8079% | 477 |
| Net interest margin | 3.4721% | 3,543 |
| Noninterest income to average assets | 0.7276% | 2,033 |
| Noninterest expense to average assets | 1.7721% | 5,935 |
| Loan and lease loss provision to assets | 0.1242% | 1,672 |
| Net operating income to assets | 2.0404% | 319 |
| Return on assets (ROA) | 2.0404% | 335 |
| Pretax return on assets | 2.1480% | 434 |
| Return on Equity (ROE) | 17.9702% | 387 |
| Retained earnings to average equity (ytd only) | 17.9702% | 145 |
| Net charge-offs to loans | -0.0490% | 5,500 |
| Credit loss provision to net charge-offs | -274.3902% | 4,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8165% | 6,184 |
| Assets per employee ($millions) | 7.4825% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4038% | 2,898 |
| Loan loss allowance to noncurrent loans | 192.7824% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.6934% | 3,407 |
| Noncurrent loans to loans | 0.7282% | 3,439 |
| Net loans and leases to total assets | 93.8866% | 11 |
| Net loans and leases to deposits | 113.0620% | 172 |
| Net loans and leases to core deposits | 121.1511% | 382 |
| Total domestic deposits to total assets | 83.0399% | 4,169 |
| Equity capital to assets | 11.9585% | 2,057 |
| Core capital (leverage) ratio | 11.9215% | 1,687 |
| Tier 1 risk-based capital ratio | 12.3858% | 4,982 |
| Total risk-based capital ratio | 13.6369% | 4,896 |
| Memoranda: | ||
| Average total assets | $724,580,500 | 954 |
| Average earning assets | $692,152,000 | 926 |
| Average equity | $82,269,500 | 930 |
| Average total loans | $669,309,000 | 694 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4706% | 1,984 |
| Cost of funding earning assets | 0.8718% | 457 |
| Net interest margin | 3.5988% | 3,418 |
| Noninterest income to average assets | 0.6863% | 2,362 |
| Noninterest expense to average assets | 1.9064% | 5,928 |
| Loan and lease loss provision to assets | 0.1052% | 2,398 |
| Net operating income to assets | 1.9719% | 346 |
| Return on assets (ROA) | 1.9719% | 356 |
| Pretax return on assets | 2.0765% | 435 |
| Return on Equity (ROE) | 17.2869% | 462 |
| Retained earnings to average equity (ytd only) | 7.1694% | 1,328 |
| Net charge-offs to loans | 0.0794% | 3,358 |
| Credit loss provision to net charge-offs | 144.2886% | 1,652 |
| Earnings coverage of net charge-offs (x) | 29.9279% | 1,338 |
| Efficiency ratio | 46.6338% | 6,240 |
| Assets per employee ($millions) | 7.8506% | 559 |
| Cash dividends to net income (ytd only)* | 58.5272% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3598% | 3,137 |
| Loan loss allowance to noncurrent loans | 208.6488% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.5845% | 3,838 |
| Noncurrent loans to loans | 0.6517% | 3,731 |
| Net loans and leases to total assets | 88.4634% | 99 |
| Net loans and leases to deposits | 105.4168% | 381 |
| Net loans and leases to core deposits | 112.7712% | 654 |
| Total domestic deposits to total assets | 83.9178% | 3,753 |
| Equity capital to assets | 10.7841% | 3,141 |
| Core capital (leverage) ratio | 11.0269% | 2,388 |
| Tier 1 risk-based capital ratio | 11.3406% | 5,746 |
| Total risk-based capital ratio | 12.5361% | 5,692 |
| Memoranda: | ||
| Average total assets | $684,528,800 | 976 |
| Average earning assets | $647,052,600 | 950 |
| Average equity | $78,082,200 | 938 |
| Average total loans | $628,755,000 | 696 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5158% | 1,814 |
| Cost of funding earning assets | 0.8866% | 443 |
| Net interest margin | 3.6291% | 3,314 |
| Noninterest income to average assets | 0.6967% | 2,344 |
| Noninterest expense to average assets | 1.9166% | 5,922 |
| Loan and lease loss provision to assets | 0.0638% | 3,074 |
| Net operating income to assets | 2.0328% | 328 |
| Return on assets (ROA) | 2.0328% | 340 |
| Pretax return on assets | 2.1398% | 416 |
| Return on Equity (ROE) | 17.5541% | 484 |
| Retained earnings to average equity (ytd only) | 7.2312% | 1,702 |
| Net charge-offs to loans | 0.0006% | 4,685 |
| Credit loss provision to net charge-offs | 10,666.6667% | 35 |
| Earnings coverage of net charge-offs (x) | 3,686.5750% | 10 |
| Efficiency ratio | 46.5184% | 6,266 |
| Assets per employee ($millions) | 7.4520% | 652 |
| Cash dividends to net income (ytd only)* | 58.8062% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4694% | 2,857 |
| Loan loss allowance to noncurrent loans | 269.3728% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.4871% | 4,423 |
| Noncurrent loans to loans | 0.5455% | 4,285 |
| Net loans and leases to total assets | 87.9839% | 112 |
| Net loans and leases to deposits | 105.7696% | 333 |
| Net loans and leases to core deposits | 108.6024% | 821 |
| Total domestic deposits to total assets | 83.1845% | 4,069 |
| Equity capital to assets | 11.2853% | 2,673 |
| Core capital (leverage) ratio | 11.3111% | 2,207 |
| Tier 1 risk-based capital ratio | 11.9203% | 5,541 |
| Total risk-based capital ratio | 13.1561% | 5,472 |
| Memoranda: | ||
| Average total assets | $669,208,500 | 1,010 |
| Average earning assets | $631,284,000 | 984 |
| Average equity | $77,495,500 | 945 |
| Average total loans | $618,727,750 | 700 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6390% | 1,428 |
| Cost of funding earning assets | 0.8883% | 457 |
| Net interest margin | 3.7507% | 2,756 |
| Noninterest income to average assets | 0.6952% | 2,308 |
| Noninterest expense to average assets | 1.9293% | 5,953 |
| Loan and lease loss provision to assets | 0.0971% | 2,407 |
| Net operating income to assets | 2.0866% | 280 |
| Return on assets (ROA) | 2.0866% | 292 |
| Pretax return on assets | 2.1965% | 365 |
| Return on Equity (ROE) | 17.8574% | 471 |
| Retained earnings to average equity (ytd only) | 7.2048% | 1,665 |
| Net charge-offs to loans | 0.0101% | 4,061 |
| Credit loss provision to net charge-offs | 1,032.2581% | 318 |
| Earnings coverage of net charge-offs (x) | 243.7097% | 275 |
| Efficiency ratio | 45.6866% | 6,373 |
| Assets per employee ($millions) | 7.0851% | 769 |
| Cash dividends to net income (ytd only)* | 59.6537% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4433% | 3,136 |
| Loan loss allowance to noncurrent loans | 334.7826% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.4066% | 4,793 |
| Noncurrent loans to loans | 0.4311% | 4,690 |
| Net loans and leases to total assets | 92.9625% | 14 |
| Net loans and leases to deposits | 112.3291% | 160 |
| Net loans and leases to core deposits | 120.5911% | 360 |
| Total domestic deposits to total assets | 82.7591% | 4,394 |
| Equity capital to assets | 11.5351% | 2,389 |
| Core capital (leverage) ratio | 11.6294% | 1,900 |
| Tier 1 risk-based capital ratio | 11.4948% | 5,804 |
| Total risk-based capital ratio | 12.6927% | 5,789 |
| Memoranda: | ||
| Average total assets | $658,783,000 | 1,026 |
| Average earning assets | $619,618,330 | 997 |
| Average equity | $76,976,670 | 948 |
| Average total loans | $616,468,670 | 699 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6220% | 1,448 |
| Cost of funding earning assets | 0.8818% | 498 |
| Net interest margin | 3.7402% | 2,710 |
| Noninterest income to average assets | 0.7919% | 1,787 |
| Noninterest expense to average assets | 1.8612% | 6,131 |
| Loan and lease loss provision to assets | 0.1473% | 1,652 |
| Net operating income to assets | 2.1908% | 241 |
| Return on assets (ROA) | 2.1908% | 250 |
| Pretax return on assets | 2.2958% | 309 |
| Return on Equity (ROE) | 18.6263% | 388 |
| Retained earnings to average equity (ytd only) | 18.6263% | 156 |
| Net charge-offs to loans | 0.0184% | 3,218 |
| Credit loss provision to net charge-offs | 857.1429% | 351 |
| Earnings coverage of net charge-offs (x) | 142.1429% | 345 |
| Efficiency ratio | 43.2402% | 6,517 |
| Assets per employee ($millions) | 7.2381% | 707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4663% | 3,301 |
| Loan loss allowance to noncurrent loans | 296.4437% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.6225% | 4,256 |
| Noncurrent loans to loans | 0.4946% | 4,676 |
| Net loans and leases to total assets | 91.6910% | 22 |
| Net loans and leases to deposits | 112.8681% | 113 |
| Net loans and leases to core deposits | 121.3070% | 301 |
| Total domestic deposits to total assets | 81.2373% | 5,167 |
| Equity capital to assets | 11.7803% | 2,029 |
| Core capital (leverage) ratio | 11.9838% | 1,660 |
| Tier 1 risk-based capital ratio | 11.9704% | 5,662 |
| Total risk-based capital ratio | 13.1846% | 5,614 |
| Memoranda: | ||
| Average total assets | $651,632,500 | 1,045 |
| Average earning assets | $611,942,500 | 1,019 |
| Average equity | $76,644,500 | 954 |
| Average total loans | $607,263,500 | 712 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8065% | 1,298 |
| Cost of funding earning assets | 0.9148% | 684 |
| Net interest margin | 3.8917% | 2,317 |
| Noninterest income to average assets | 0.7827% | 2,154 |
| Noninterest expense to average assets | 1.9080% | 6,173 |
| Loan and lease loss provision to assets | 0.1582% | 2,304 |
| Net operating income to assets | 2.2868% | 214 |
| Return on assets (ROA) | 2.2868% | 219 |
| Pretax return on assets | 2.3932% | 232 |
| Return on Equity (ROE) | 19.8107% | 289 |
| Retained earnings to average equity (ytd only) | 10.1640% | 537 |
| Net charge-offs to loans | 0.0645% | 4,306 |
| Credit loss provision to net charge-offs | 266.3043% | 853 |
| Earnings coverage of net charge-offs (x) | 42.9592% | 889 |
| Efficiency ratio | 42.7873% | 6,641 |
| Assets per employee ($millions) | 6.9278% | 799 |
| Cash dividends to net income (ytd only)* | 48.6944% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4918% | 3,237 |
| Loan loss allowance to noncurrent loans | 270.2192% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.7073% | 4,131 |
| Noncurrent loans to loans | 0.5521% | 4,609 |
| Net loans and leases to total assets | 91.9405% | 18 |
| Net loans and leases to deposits | 111.5789% | 147 |
| Net loans and leases to core deposits | 120.4834% | 320 |
| Total domestic deposits to total assets | 82.3995% | 4,736 |
| Equity capital to assets | 11.7427% | 1,995 |
| Core capital (leverage) ratio | 11.7818% | 1,773 |
| Tier 1 risk-based capital ratio | 11.9896% | 5,618 |
| Total risk-based capital ratio | 13.1983% | 5,588 |
| Memoranda: | ||
| Average total assets | $619,639,800 | 1,076 |
| Average earning assets | $585,395,800 | 1,046 |
| Average equity | $71,527,000 | 994 |
| Average total loans | $570,345,000 | 737 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7829% | 1,389 |
| Cost of funding earning assets | 0.9182% | 749 |
| Net interest margin | 3.8646% | 2,395 |
| Noninterest income to average assets | 0.7965% | 2,169 |
| Noninterest expense to average assets | 1.8807% | 6,214 |
| Loan and lease loss provision to assets | 0.1951% | 1,869 |
| Net operating income to assets | 2.2585% | 233 |
| Return on assets (ROA) | 2.2585% | 241 |
| Pretax return on assets | 2.3774% | 282 |
| Return on Equity (ROE) | 19.6531% | 325 |
| Retained earnings to average equity (ytd only) | 10.0349% | 781 |
| Net charge-offs to loans | 0.0149% | 4,832 |
| Credit loss provision to net charge-offs | 1,428.5714% | 223 |
| Earnings coverage of net charge-offs (x) | 188.4080% | 307 |
| Efficiency ratio | 42.2328% | 6,701 |
| Assets per employee ($millions) | 6.8915% | 791 |
| Cash dividends to net income (ytd only)* | 48.9396% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5754% | 3,120 |
| Loan loss allowance to noncurrent loans | 235.1163% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.8010% | 4,101 |
| Noncurrent loans to loans | 0.6701% | 4,525 |
| Net loans and leases to total assets | 91.6519% | 21 |
| Net loans and leases to deposits | 111.4130% | 137 |
| Net loans and leases to core deposits | 121.7364% | 296 |
| Total domestic deposits to total assets | 82.2632% | 4,846 |
| Equity capital to assets | 11.7591% | 2,076 |
| Core capital (leverage) ratio | 11.7418% | 1,859 |
| Tier 1 risk-based capital ratio | 12.1115% | 5,713 |
| Total risk-based capital ratio | 13.3378% | 5,661 |
| Memoranda: | ||
| Average total assets | $615,210,500 | 1,094 |
| Average earning assets | $582,120,000 | 1,056 |
| Average equity | $70,698,000 | 1,015 |
| Average total loans | $564,215,500 | 738 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7583% | 1,427 |
| Cost of funding earning assets | 0.9192% | 817 |
| Net interest margin | 3.8391% | 2,413 |
| Noninterest income to average assets | 0.7967% | 2,200 |
| Noninterest expense to average assets | 1.8565% | 6,285 |
| Loan and lease loss provision to assets | 0.2119% | 1,787 |
| Net operating income to assets | 2.2447% | 241 |
| Return on assets (ROA) | 2.2447% | 258 |
| Pretax return on assets | 2.3634% | 322 |
| Return on Equity (ROE) | 19.6876% | 329 |
| Retained earnings to average equity (ytd only) | 9.9667% | 851 |
| Net charge-offs to loans | 0.0261% | 4,330 |
| Credit loss provision to net charge-offs | 890.4110% | 341 |
| Earnings coverage of net charge-offs (x) | 108.2192% | 439 |
| Efficiency ratio | 41.8904% | 6,756 |
| Assets per employee ($millions) | 6.8600% | 765 |
| Cash dividends to net income (ytd only)* | 49.3755% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5681% | 3,284 |
| Loan loss allowance to noncurrent loans | 334.6838% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.6201% | 4,682 |
| Noncurrent loans to loans | 0.4685% | 5,085 |
| Net loans and leases to total assets | 90.8740% | 30 |
| Net loans and leases to deposits | 110.6945% | 132 |
| Net loans and leases to core deposits | 119.7757% | 320 |
| Total domestic deposits to total assets | 82.0945% | 5,029 |
| Equity capital to assets | 11.6503% | 2,173 |
| Core capital (leverage) ratio | 11.4460% | 1,982 |
| Tier 1 risk-based capital ratio | 12.1674% | 5,702 |
| Total risk-based capital ratio | 13.3851% | 5,659 |
| Memoranda: | ||
| Average total assets | $613,535,330 | 1,093 |
| Average earning assets | $580,921,670 | 1,059 |
| Average equity | $69,952,670 | 1,033 |
| Average total loans | $559,768,330 | 741 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7073% | 1,516 |
| Cost of funding earning assets | 0.9260% | 869 |
| Net interest margin | 3.7813% | 2,518 |
| Noninterest income to average assets | 0.7336% | 2,410 |
| Noninterest expense to average assets | 1.8380% | 6,385 |
| Loan and lease loss provision to assets | 0.1561% | 2,304 |
| Net operating income to assets | 2.1833% | 252 |
| Return on assets (ROA) | 2.1833% | 274 |
| Pretax return on assets | 2.3088% | 352 |
| Return on Equity (ROE) | 19.3587% | 337 |
| Retained earnings to average equity (ytd only) | 19.3587% | 158 |
| Net charge-offs to loans | -0.0079% | 5,368 |
| Credit loss provision to net charge-offs | -2,181.8182% | 5,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7146% | 6,814 |
| Assets per employee ($millions) | 6.9253% | 792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5107% | 3,780 |
| Loan loss allowance to noncurrent loans | 307.9957% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.6307% | 4,801 |
| Noncurrent loans to loans | 0.4905% | 5,204 |
| Net loans and leases to total assets | 89.0439% | 52 |
| Net loans and leases to deposits | 110.3829% | 122 |
| Net loans and leases to core deposits | 118.8595% | 299 |
| Total domestic deposits to total assets | 80.6683% | 5,580 |
| Equity capital to assets | 11.3949% | 2,525 |
| Core capital (leverage) ratio | 11.7749% | 1,691 |
| Tier 1 risk-based capital ratio | 11.9541% | 5,943 |
| Total risk-based capital ratio | 13.1599% | 5,939 |
| Memoranda: | ||
| Average total assets | $615,031,500 | 1,103 |
| Average earning assets | $580,548,000 | 1,067 |
| Average equity | $69,364,000 | 1,049 |
| Average total loans | $557,820,500 | 748 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9617% | 1,659 |
| Cost of funding earning assets | 1.1259% | 824 |
| Net interest margin | 3.8358% | 3,082 |
| Noninterest income to average assets | 0.9327% | 1,766 |
| Noninterest expense to average assets | 1.8465% | 6,557 |
| Loan and lease loss provision to assets | 0.1425% | 3,825 |
| Net operating income to assets | 2.4672% | 158 |
| Return on assets (ROA) | 2.4672% | 173 |
| Pretax return on assets | 2.5971% | 224 |
| Return on Equity (ROE) | 22.1866% | 210 |
| Retained earnings to average equity (ytd only) | 12.6517% | 275 |
| Net charge-offs to loans | 0.0644% | 5,047 |
| Credit loss provision to net charge-offs | 249.2401% | 985 |
| Earnings coverage of net charge-offs (x) | 47.9058% | 695 |
| Efficiency ratio | 40.2630% | 6,921 |
| Assets per employee ($millions) | 6.8178% | 849 |
| Cash dividends to net income (ytd only)* | 42.9759% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4964% | 3,757 |
| Loan loss allowance to noncurrent loans | 293.1867% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.6567% | 4,830 |
| Noncurrent loans to loans | 0.5104% | 5,258 |
| Net loans and leases to total assets | 89.6322% | 57 |
| Net loans and leases to deposits | 107.5954% | 194 |
| Net loans and leases to core deposits | 112.6146% | 450 |
| Total domestic deposits to total assets | 83.3049% | 4,597 |
| Equity capital to assets | 11.1582% | 2,780 |
| Core capital (leverage) ratio | 11.5313% | 1,855 |
| Tier 1 risk-based capital ratio | 11.6720% | 5,977 |
| Total risk-based capital ratio | 12.9254% | 5,937 |
| Memoranda: | ||
| Average total assets | $575,299,000 | 1,153 |
| Average earning assets | $547,940,800 | 1,102 |
| Average equity | $63,975,600 | 1,105 |
| Average total loans | $511,044,800 | 809 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0663% | 1,508 |
| Cost of funding earning assets | 1.1645% | 814 |
| Net interest margin | 3.9018% | 2,908 |
| Noninterest income to average assets | 0.9089% | 1,799 |
| Noninterest expense to average assets | 1.9150% | 6,500 |
| Loan and lease loss provision to assets | 0.0987% | 4,334 |
| Net operating income to assets | 2.4949% | 172 |
| Return on assets (ROA) | 2.4949% | 186 |
| Pretax return on assets | 2.6261% | 242 |
| Return on Equity (ROE) | 22.4561% | 215 |
| Retained earnings to average equity (ytd only) | 13.3620% | 363 |
| Net charge-offs to loans | 0.0138% | 5,505 |
| Credit loss provision to net charge-offs | 807.6923% | 347 |
| Earnings coverage of net charge-offs (x) | 223.0052% | 200 |
| Efficiency ratio | 41.2742% | 6,987 |
| Assets per employee ($millions) | 6.6199% | 894 |
| Cash dividends to net income (ytd only)* | 40.4973% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6304% | 3,412 |
| Loan loss allowance to noncurrent loans | 197.3569% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.7312% | 4,853 |
| Noncurrent loans to loans | 0.8261% | 4,766 |
| Net loans and leases to total assets | 85.2647% | 176 |
| Net loans and leases to deposits | 103.6221% | 293 |
| Net loans and leases to core deposits | 109.0217% | 608 |
| Total domestic deposits to total assets | 82.2842% | 4,926 |
| Equity capital to assets | 11.4520% | 2,799 |
| Core capital (leverage) ratio | 11.3969% | 2,060 |
| Tier 1 risk-based capital ratio | 12.8479% | 5,370 |
| Total risk-based capital ratio | 14.0721% | 5,356 |
| Memoranda: | ||
| Average total assets | $567,428,250 | 1,186 |
| Average earning assets | $542,574,000 | 1,129 |
| Average equity | $63,043,000 | 1,136 |
| Average total loans | $500,772,500 | 830 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0836% | 1,552 |
| Cost of funding earning assets | 1.1987% | 831 |
| Net interest margin | 3.8849% | 2,977 |
| Noninterest income to average assets | 0.8487% | 1,973 |
| Noninterest expense to average assets | 1.8945% | 6,606 |
| Loan and lease loss provision to assets | 0.1488% | 3,659 |
| Net operating income to assets | 2.4000% | 202 |
| Return on assets (ROA) | 2.4000% | 231 |
| Pretax return on assets | 2.5264% | 287 |
| Return on Equity (ROE) | 21.8294% | 255 |
| Retained earnings to average equity (ytd only) | 11.8410% | 612 |
| Net charge-offs to loans | 0.0136% | 5,249 |
| Credit loss provision to net charge-offs | 1,235.2941% | 264 |
| Earnings coverage of net charge-offs (x) | 222.1176% | 195 |
| Efficiency ratio | 41.4574% | 7,035 |
| Assets per employee ($millions) | 6.4653% | 978 |
| Cash dividends to net income (ytd only)* | 45.7565% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5840% | 3,658 |
| Loan loss allowance to noncurrent loans | 194.6778% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.7790% | 4,844 |
| Noncurrent loans to loans | 0.8136% | 4,884 |
| Net loans and leases to total assets | 90.1034% | 41 |
| Net loans and leases to deposits | 109.3723% | 158 |
| Net loans and leases to core deposits | 115.0847% | 418 |
| Total domestic deposits to total assets | 82.3823% | 4,988 |
| Equity capital to assets | 11.2581% | 2,835 |
| Core capital (leverage) ratio | 11.0850% | 2,222 |
| Tier 1 risk-based capital ratio | 11.9651% | 5,958 |
| Total risk-based capital ratio | 13.1728% | 5,948 |
| Memoranda: | ||
| Average total assets | $564,595,000 | 1,190 |
| Average earning assets | $540,758,000 | 1,134 |
| Average equity | $62,072,330 | 1,146 |
| Average total loans | $501,296,000 | 826 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0970% | 1,580 |
| Cost of funding earning assets | 1.2375% | 814 |
| Net interest margin | 3.8595% | 3,098 |
| Noninterest income to average assets | 0.8401% | 1,979 |
| Noninterest expense to average assets | 1.8407% | 6,751 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.5606% | 167 |
| Return on assets (ROA) | 2.5606% | 200 |
| Pretax return on assets | 2.6957% | 256 |
| Return on Equity (ROE) | 23.5719% | 225 |
| Retained earnings to average equity (ytd only) | 23.5719% | 113 |
| Net charge-offs to loans | -0.0032% | 5,749 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5768% | 7,090 |
| Assets per employee ($millions) | 6.4773% | 995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5330% | 4,016 |
| Loan loss allowance to noncurrent loans | 186.0938% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.7755% | 4,990 |
| Noncurrent loans to loans | 0.8238% | 5,027 |
| Net loans and leases to total assets | 88.6193% | 63 |
| Net loans and leases to deposits | 106.3294% | 199 |
| Net loans and leases to core deposits | 109.4954% | 549 |
| Total domestic deposits to total assets | 83.3441% | 4,793 |
| Equity capital to assets | 11.2219% | 2,698 |
| Core capital (leverage) ratio | 11.1880% | 2,117 |
| Tier 1 risk-based capital ratio | 12.0907% | 5,899 |
| Total risk-based capital ratio | 13.3097% | 5,901 |
| Memoranda: | ||
| Average total assets | $565,650,500 | 1,195 |
| Average earning assets | $541,732,000 | 1,126 |
| Average equity | $61,446,000 | 1,155 |
| Average total loans | $494,457,000 | 837 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5171% | 1,127 |
| Cost of funding earning assets | 1.4573% | 846 |
| Net interest margin | 4.0598% | 2,601 |
| Noninterest income to average assets | 0.7688% | 2,240 |
| Noninterest expense to average assets | 1.8750% | 6,860 |
| Loan and lease loss provision to assets | 0.4638% | 2,288 |
| Net operating income to assets | 2.2112% | 222 |
| Return on assets (ROA) | 2.2112% | 231 |
| Pretax return on assets | 2.3189% | 286 |
| Return on Equity (ROE) | 20.8433% | 230 |
| Retained earnings to average equity (ytd only) | 10.0239% | 565 |
| Net charge-offs to loans | 0.1836% | 4,676 |
| Credit loss provision to net charge-offs | 286.4524% | 828 |
| Earnings coverage of net charge-offs (x) | 17.1871% | 1,288 |
| Efficiency ratio | 40.2562% | 7,210 |
| Assets per employee ($millions) | 6.5262% | 941 |
| Cash dividends to net income (ytd only)* | 51.9082% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6131% | 3,536 |
| Loan loss allowance to noncurrent loans | 243.9109% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.5650% | 5,559 |
| Noncurrent loans to loans | 0.6613% | 5,381 |
| Net loans and leases to total assets | 83.4794% | 236 |
| Net loans and leases to deposits | 100.0496% | 454 |
| Net loans and leases to core deposits | 101.9492% | 1,032 |
| Total domestic deposits to total assets | 83.4380% | 4,573 |
| Equity capital to assets | 10.5066% | 3,529 |
| Core capital (leverage) ratio | 10.5463% | 2,668 |
| Tier 1 risk-based capital ratio | 12.0257% | 5,822 |
| Total risk-based capital ratio | 13.2797% | 5,796 |
| Memoranda: | ||
| Average total assets | $537,976,600 | 1,238 |
| Average earning assets | $515,325,200 | 1,168 |
| Average equity | $57,073,400 | 1,192 |
| Average total loans | $474,502,200 | 879 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6246% | 984 |
| Cost of funding earning assets | 1.4999% | 861 |
| Net interest margin | 4.1246% | 2,380 |
| Noninterest income to average assets | 0.7238% | 2,459 |
| Noninterest expense to average assets | 1.8796% | 6,876 |
| Loan and lease loss provision to assets | 0.5026% | 1,968 |
| Net operating income to assets | 2.1779% | 263 |
| Return on assets (ROA) | 2.1779% | 281 |
| Pretax return on assets | 2.2933% | 357 |
| Return on Equity (ROE) | 20.4762% | 281 |
| Retained earnings to average equity (ytd only) | 10.6114% | 701 |
| Net charge-offs to loans | 0.2502% | 3,864 |
| Credit loss provision to net charge-offs | 225.4791% | 1,270 |
| Earnings coverage of net charge-offs (x) | 12.5422% | 1,695 |
| Efficiency ratio | 40.2010% | 7,257 |
| Assets per employee ($millions) | 6.8254% | 809 |
| Cash dividends to net income (ytd only)* | 48.1768% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5716% | 3,795 |
| Loan loss allowance to noncurrent loans | 227.3012% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.5890% | 5,644 |
| Noncurrent loans to loans | 0.6914% | 5,504 |
| Net loans and leases to total assets | 83.2695% | 270 |
| Net loans and leases to deposits | 100.4751% | 449 |
| Net loans and leases to core deposits | 102.5297% | 1,070 |
| Total domestic deposits to total assets | 82.8758% | 4,729 |
| Equity capital to assets | 10.7115% | 3,459 |
| Core capital (leverage) ratio | 10.8409% | 2,527 |
| Tier 1 risk-based capital ratio | 12.3355% | 5,633 |
| Total risk-based capital ratio | 13.5890% | 5,617 |
| Memoranda: | ||
| Average total assets | $530,526,750 | 1,261 |
| Average earning assets | $508,282,000 | 1,192 |
| Average equity | $56,428,250 | 1,201 |
| Average total loans | $472,691,000 | 900 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6823% | 902 |
| Cost of funding earning assets | 1.5267% | 913 |
| Net interest margin | 4.1556% | 2,208 |
| Noninterest income to average assets | 0.6559% | 2,790 |
| Noninterest expense to average assets | 1.9156% | 6,928 |
| Loan and lease loss provision to assets | 0.5330% | 1,831 |
| Net operating income to assets | 2.0839% | 304 |
| Return on assets (ROA) | 2.0839% | 315 |
| Pretax return on assets | 2.1935% | 415 |
| Return on Equity (ROE) | 19.6406% | 335 |
| Retained earnings to average equity (ytd only) | 11.8367% | 539 |
| Net charge-offs to loans | 0.3628% | 3,103 |
| Credit loss provision to net charge-offs | 162.0370% | 1,872 |
| Earnings coverage of net charge-offs (x) | 8.2894% | 2,087 |
| Efficiency ratio | 41.2662% | 7,314 |
| Assets per employee ($millions) | 6.1623% | 1,086 |
| Cash dividends to net income (ytd only)* | 39.7333% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3873% | 4,634 |
| Loan loss allowance to noncurrent loans | 184.6643% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.6951% | 5,515 |
| Noncurrent loans to loans | 0.7513% | 5,405 |
| Net loans and leases to total assets | 90.6920% | 33 |
| Net loans and leases to deposits | 110.7983% | 165 |
| Net loans and leases to core deposits | 113.1433% | 607 |
| Total domestic deposits to total assets | 81.8532% | 5,214 |
| Equity capital to assets | 10.8892% | 3,078 |
| Core capital (leverage) ratio | 10.7740% | 2,449 |
| Tier 1 risk-based capital ratio | 11.6247% | 6,077 |
| Total risk-based capital ratio | 12.8330% | 6,097 |
| Memoranda: | ||
| Average total assets | $525,359,670 | 1,281 |
| Average earning assets | $503,949,000 | 1,211 |
| Average equity | $55,741,670 | 1,201 |
| Average total loans | $476,276,330 | 908 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7126% | 859 |
| Cost of funding earning assets | 1.5527% | 968 |
| Net interest margin | 4.1600% | 2,037 |
| Noninterest income to average assets | 0.6226% | 3,023 |
| Noninterest expense to average assets | 1.8406% | 7,086 |
| Loan and lease loss provision to assets | 0.4562% | 1,930 |
| Net operating income to assets | 2.1986% | 263 |
| Return on assets (ROA) | 2.1986% | 275 |
| Pretax return on assets | 2.3142% | 334 |
| Return on Equity (ROE) | 20.9968% | 293 |
| Retained earnings to average equity (ytd only) | 20.9968% | 153 |
| Net charge-offs to loans | 0.0313% | 4,662 |
| Credit loss provision to net charge-offs | 1,621.6216% | 239 |
| Earnings coverage of net charge-offs (x) | 98.4865% | 323 |
| Efficiency ratio | 39.9176% | 7,391 |
| Assets per employee ($millions) | 6.1621% | 1,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3876% | 4,732 |
| Loan loss allowance to noncurrent loans | 504.1322% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.2583% | 6,537 |
| Noncurrent loans to loans | 0.2752% | 6,438 |
| Net loans and leases to total assets | 91.0401% | 26 |
| Net loans and leases to deposits | 109.9411% | 184 |
| Net loans and leases to core deposits | 112.3925% | 647 |
| Total domestic deposits to total assets | 82.8081% | 4,994 |
| Equity capital to assets | 10.7992% | 2,882 |
| Core capital (leverage) ratio | 10.8724% | 2,294 |
| Tier 1 risk-based capital ratio | 11.4410% | 6,149 |
| Total risk-based capital ratio | 12.6763% | 6,143 |
| Memoranda: | ||
| Average total assets | $526,142,000 | 1,287 |
| Average earning assets | $504,425,000 | 1,217 |
| Average equity | $55,094,000 | 1,203 |
| Average total loans | $473,553,000 | 922 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8125% | 1,249 |
| Cost of funding earning assets | 1.7809% | 1,252 |
| Net interest margin | 4.0316% | 2,883 |
| Noninterest income to average assets | 0.8000% | 2,286 |
| Noninterest expense to average assets | 1.9362% | 7,108 |
| Loan and lease loss provision to assets | 0.3811% | 3,830 |
| Net operating income to assets | 2.2222% | 186 |
| Return on assets (ROA) | 2.2214% | 196 |
| Pretax return on assets | 2.3263% | 241 |
| Return on Equity (ROE) | 22.0365% | 161 |
| Retained earnings to average equity (ytd only) | 14.1265% | 158 |
| Net charge-offs to loans | 0.4424% | 3,850 |
| Credit loss provision to net charge-offs | 97.1867% | 4,776 |
| Earnings coverage of net charge-offs (x) | 6.9059% | 2,244 |
| Efficiency ratio | 41.6879% | 7,471 |
| Assets per employee ($millions) | 6.4452% | 970 |
| Cash dividends to net income (ytd only)* | 35.8949% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3261% | 4,869 |
| Loan loss allowance to noncurrent loans | 418.4479% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.2821% | 6,544 |
| Noncurrent loans to loans | 0.3169% | 6,420 |
| Net loans and leases to total assets | 86.5460% | 159 |
| Net loans and leases to deposits | 103.6234% | 416 |
| Net loans and leases to core deposits | 105.8664% | 1,200 |
| Total domestic deposits to total assets | 83.5197% | 4,596 |
| Equity capital to assets | 10.1464% | 3,561 |
| Core capital (leverage) ratio | 10.4351% | 2,626 |
| Tier 1 risk-based capital ratio | 11.2857% | 6,101 |
| Total risk-based capital ratio | 12.5357% | 6,085 |
| Memoranda: | ||
| Average total assets | $498,509,600 | 1,349 |
| Average earning assets | $475,370,400 | 1,288 |
| Average equity | $50,253,000 | 1,329 |
| Average total loans | $441,890,200 | 1,018 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8635% | 1,221 |
| Cost of funding earning assets | 1.8374% | 1,272 |
| Net interest margin | 4.0262% | 2,976 |
| Noninterest income to average assets | 0.7761% | 2,348 |
| Noninterest expense to average assets | 1.9638% | 7,114 |
| Loan and lease loss provision to assets | 0.3530% | 3,789 |
| Net operating income to assets | 2.1802% | 247 |
| Return on assets (ROA) | 2.1791% | 265 |
| Pretax return on assets | 2.2937% | 346 |
| Return on Equity (ROE) | 21.6549% | 214 |
| Retained earnings to average equity (ytd only) | 13.0874% | 340 |
| Net charge-offs to loans | 0.0806% | 5,716 |
| Credit loss provision to net charge-offs | 492.4242% | 599 |
| Earnings coverage of net charge-offs (x) | 36.9357% | 736 |
| Efficiency ratio | 42.5838% | 7,511 |
| Assets per employee ($millions) | 6.1632% | 1,139 |
| Cash dividends to net income (ytd only)* | 39.5639% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5907% | 3,561 |
| Loan loss allowance to noncurrent loans | 460.7257% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.4269% | 6,358 |
| Noncurrent loans to loans | 0.3453% | 6,506 |
| Net loans and leases to total assets | 89.6949% | 64 |
| Net loans and leases to deposits | 108.3163% | 290 |
| Net loans and leases to core deposits | 110.9568% | 985 |
| Total domestic deposits to total assets | 82.8083% | 4,673 |
| Equity capital to assets | 10.3524% | 3,695 |
| Core capital (leverage) ratio | 10.2232% | 3,015 |
| Tier 1 risk-based capital ratio | 10.8363% | 6,519 |
| Total risk-based capital ratio | 12.0717% | 6,509 |
| Memoranda: | ||
| Average total assets | $491,011,250 | 1,380 |
| Average earning assets | $467,760,000 | 1,324 |
| Average equity | $49,410,250 | 1,364 |
| Average total loans | $436,476,500 | 1,032 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9371% | 1,089 |
| Cost of funding earning assets | 1.8726% | 1,331 |
| Net interest margin | 4.0644% | 2,727 |
| Noninterest income to average assets | 0.6951% | 2,736 |
| Noninterest expense to average assets | 2.0034% | 7,106 |
| Loan and lease loss provision to assets | 0.3072% | 3,929 |
| Net operating income to assets | 2.1426% | 256 |
| Return on assets (ROA) | 2.1410% | 280 |
| Pretax return on assets | 2.2536% | 373 |
| Return on Equity (ROE) | 21.4867% | 233 |
| Retained earnings to average equity (ytd only) | 12.9570% | 386 |
| Net charge-offs to loans | 0.0158% | 6,121 |
| Credit loss provision to net charge-offs | 2,205.8824% | 185 |
| Earnings coverage of net charge-offs (x) | 184.0000% | 187 |
| Efficiency ratio | 43.8773% | 7,527 |
| Assets per employee ($millions) | 6.1250% | 1,141 |
| Cash dividends to net income (ytd only)* | 39.6977% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5719% | 3,573 |
| Loan loss allowance to noncurrent loans | 1,712.3762% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.1963% | 6,904 |
| Noncurrent loans to loans | 0.0918% | 7,082 |
| Net loans and leases to total assets | 87.3123% | 156 |
| Net loans and leases to deposits | 105.5901% | 412 |
| Net loans and leases to core deposits | 108.4661% | 1,269 |
| Total domestic deposits to total assets | 82.6899% | 4,700 |
| Equity capital to assets | 10.0458% | 3,961 |
| Core capital (leverage) ratio | 10.0207% | 3,143 |
| Tier 1 risk-based capital ratio | 10.8339% | 6,418 |
| Total risk-based capital ratio | 12.0864% | 6,406 |
| Memoranda: | ||
| Average total assets | $488,275,330 | 1,400 |
| Average earning assets | $465,009,670 | 1,337 |
| Average equity | $48,653,330 | 1,378 |
| Average total loans | $430,298,000 | 1,058 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0158% | 945 |
| Cost of funding earning assets | 1.9121% | 1,399 |
| Net interest margin | 4.1037% | 2,418 |
| Noninterest income to average assets | 0.7069% | 2,551 |
| Noninterest expense to average assets | 1.8879% | 7,349 |
| Loan and lease loss provision to assets | 0.3097% | 3,560 |
| Net operating income to assets | 2.2916% | 214 |
| Return on assets (ROA) | 2.2884% | 240 |
| Pretax return on assets | 2.4090% | 287 |
| Return on Equity (ROE) | 23.0628% | 229 |
| Retained earnings to average equity (ytd only) | 23.0628% | 136 |
| Net charge-offs to loans | 0.0188% | 5,320 |
| Credit loss provision to net charge-offs | 1,875.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 164.8000% | 203 |
| Efficiency ratio | 40.9531% | 7,705 |
| Assets per employee ($millions) | 5.9644% | 1,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5176% | 3,823 |
| Loan loss allowance to noncurrent loans | 938.0544% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.2329% | 6,875 |
| Noncurrent loans to loans | 0.1618% | 7,014 |
| Net loans and leases to total assets | 88.0736% | 120 |
| Net loans and leases to deposits | 106.5191% | 403 |
| Net loans and leases to core deposits | 110.2391% | 1,255 |
| Total domestic deposits to total assets | 82.6834% | 4,764 |
| Equity capital to assets | 10.2333% | 3,554 |
| Core capital (leverage) ratio | 10.1446% | 2,989 |
| Tier 1 risk-based capital ratio | 10.9143% | 6,239 |
| Total risk-based capital ratio | 12.1621% | 6,221 |
| Memoranda: | ||
| Average total assets | $484,350,000 | 1,448 |
| Average earning assets | $460,652,500 | 1,377 |
| Average equity | $48,060,000 | 1,400 |
| Average total loans | $425,398,500 | 1,106 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9466% | 2,057 |
| Cost of funding earning assets | 2.4255% | 1,227 |
| Net interest margin | 3.5211% | 4,865 |
| Noninterest income to average assets | 0.9540% | 1,732 |
| Noninterest expense to average assets | 1.9661% | 7,418 |
| Loan and lease loss provision to assets | 0.7875% | 2,772 |
| Net operating income to assets | 1.4500% | 761 |
| Return on assets (ROA) | 1.4500% | 822 |
| Pretax return on assets | 1.5263% | 1,124 |
| Return on Equity (ROE) | 14.9570% | 678 |
| Retained earnings to average equity (ytd only) | 7.9657% | 709 |
| Net charge-offs to loans | 0.3685% | 4,376 |
| Credit loss provision to net charge-offs | 238.7476% | 1,506 |
| Earnings coverage of net charge-offs (x) | 7.0150% | 2,242 |
| Efficiency ratio | 45.9381% | 7,715 |
| Assets per employee ($millions) | 6.1466% | 1,159 |
| Cash dividends to net income (ytd only)* | 46.7428% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4811% | 3,830 |
| Loan loss allowance to noncurrent loans | 1,462.7358% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.2418% | 6,858 |
| Noncurrent loans to loans | 0.1013% | 7,159 |
| Net loans and leases to total assets | 84.9576% | 356 |
| Net loans and leases to deposits | 102.1275% | 747 |
| Net loans and leases to core deposits | 116.7357% | 2,244 |
| Total domestic deposits to total assets | 83.1877% | 4,432 |
| Equity capital to assets | 9.6135% | 4,255 |
| Core capital (leverage) ratio | 9.7271% | 3,416 |
| Tier 1 risk-based capital ratio | 10.5747% | 6,317 |
| Total risk-based capital ratio | 11.8271% | 6,303 |
| Memoranda: | ||
| Average total assets | $464,770,600 | 1,491 |
| Average earning assets | $439,009,600 | 1,440 |
| Average equity | $45,055,800 | 1,491 |
| Average total loans | $415,967,200 | 1,160 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9918% | 2,071 |
| Cost of funding earning assets | 2.5321% | 1,202 |
| Net interest margin | 3.4596% | 5,030 |
| Noninterest income to average assets | 1.0053% | 1,588 |
| Noninterest expense to average assets | 2.0007% | 7,383 |
| Loan and lease loss provision to assets | 0.6267% | 2,884 |
| Net operating income to assets | 1.5637% | 713 |
| Return on assets (ROA) | 1.5637% | 766 |
| Pretax return on assets | 1.6461% | 1,080 |
| Return on Equity (ROE) | 16.0953% | 644 |
| Retained earnings to average equity (ytd only) | 8.9286% | 860 |
| Net charge-offs to loans | 0.2886% | 4,232 |
| Credit loss provision to net charge-offs | 240.2670% | 1,821 |
| Earnings coverage of net charge-offs (x) | 8.7141% | 2,208 |
| Efficiency ratio | 46.8160% | 7,733 |
| Assets per employee ($millions) | 6.1857% | 1,127 |
| Cash dividends to net income (ytd only)* | 44.5269% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2691% | 4,699 |
| Loan loss allowance to noncurrent loans | 806.0423% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.4180% | 6,407 |
| Noncurrent loans to loans | 0.1574% | 7,095 |
| Net loans and leases to total assets | 88.3043% | 189 |
| Net loans and leases to deposits | 108.3223% | 539 |
| Net loans and leases to core deposits | 124.1031% | 1,889 |
| Total domestic deposits to total assets | 81.5200% | 4,869 |
| Equity capital to assets | 9.7955% | 4,358 |
| Core capital (leverage) ratio | 9.8325% | 3,479 |
| Tier 1 risk-based capital ratio | 10.3931% | 6,579 |
| Total risk-based capital ratio | 11.6025% | 6,561 |
| Memoranda: | ||
| Average total assets | $459,568,250 | 1,516 |
| Average earning assets | $434,139,500 | 1,470 |
| Average equity | $44,649,500 | 1,524 |
| Average total loans | $415,274,250 | 1,178 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9790% | 2,270 |
| Cost of funding earning assets | 2.6284% | 1,214 |
| Net interest margin | 3.3506% | 5,360 |
| Noninterest income to average assets | 1.2564% | 970 |
| Noninterest expense to average assets | 2.0761% | 7,325 |
| Loan and lease loss provision to assets | 0.5526% | 2,807 |
| Net operating income to assets | 1.7134% | 550 |
| Return on assets (ROA) | 1.7134% | 597 |
| Pretax return on assets | 1.8037% | 844 |
| Return on Equity (ROE) | 17.6857% | 518 |
| Retained earnings to average equity (ytd only) | 10.4430% | 645 |
| Net charge-offs to loans | 0.1161% | 4,998 |
| Credit loss provision to net charge-offs | 525.0000% | 878 |
| Earnings coverage of net charge-offs (x) | 22.3875% | 1,225 |
| Efficiency ratio | 46.8388% | 7,816 |
| Assets per employee ($millions) | 6.0949% | 1,164 |
| Cash dividends to net income (ytd only)* | 40.9521% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 4,929 |
| Loan loss allowance to noncurrent loans | 172.7119% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.6286% | 5,841 |
| Noncurrent loans to loans | 0.6956% | 5,857 |
| Net loans and leases to total assets | 89.2851% | 166 |
| Net loans and leases to deposits | 108.7885% | 613 |
| Net loans and leases to core deposits | 125.9022% | 1,885 |
| Total domestic deposits to total assets | 82.0722% | 4,660 |
| Equity capital to assets | 9.6101% | 4,478 |
| Core capital (leverage) ratio | 9.8091% | 3,509 |
| Tier 1 risk-based capital ratio | 10.1048% | 6,816 |
| Total risk-based capital ratio | 11.2448% | 6,866 |
| Memoranda: | ||
| Average total assets | $456,053,000 | 1,550 |
| Average earning assets | $432,277,330 | 1,494 |
| Average equity | $44,182,670 | 1,545 |
| Average total loans | $413,543,330 | 1,216 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0108% | 2,315 |
| Cost of funding earning assets | 2.7266% | 1,189 |
| Net interest margin | 3.2841% | 5,548 |
| Noninterest income to average assets | 1.3609% | 771 |
| Noninterest expense to average assets | 1.8299% | 7,661 |
| Loan and lease loss provision to assets | 0.7120% | 1,798 |
| Net operating income to assets | 1.8415% | 489 |
| Return on assets (ROA) | 1.8415% | 548 |
| Pretax return on assets | 1.9385% | 745 |
| Return on Equity (ROE) | 18.9280% | 511 |
| Retained earnings to average equity (ytd only) | 18.9280% | 198 |
| Net charge-offs to loans | 0.1137% | 4,059 |
| Credit loss provision to net charge-offs | 689.6552% | 856 |
| Earnings coverage of net charge-offs (x) | 25.6724% | 1,198 |
| Efficiency ratio | 40.8423% | 8,027 |
| Assets per employee ($millions) | 6.0095% | 1,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1550% | 5,087 |
| Loan loss allowance to noncurrent loans | 179.8564% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.5793% | 5,736 |
| Noncurrent loans to loans | 0.6422% | 5,808 |
| Net loans and leases to total assets | 89.1699% | 184 |
| Net loans and leases to deposits | 108.6368% | 694 |
| Net loans and leases to core deposits | 124.5469% | 2,034 |
| Total domestic deposits to total assets | 82.0807% | 4,513 |
| Equity capital to assets | 9.8037% | 4,235 |
| Core capital (leverage) ratio | 10.0872% | 3,307 |
| Tier 1 risk-based capital ratio | 10.3241% | 6,572 |
| Total risk-based capital ratio | 11.4166% | 6,653 |
| Memoranda: | ||
| Average total assets | $449,424,500 | 1,575 |
| Average earning assets | $426,899,500 | 1,522 |
| Average equity | $43,723,500 | 1,556 |
| Average total loans | $408,255,500 | 1,234 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5262% | 2,836 |
| Cost of funding earning assets | 3.2801% | 977 |
| Net interest margin | 3.2461% | 6,225 |
| Noninterest income to average assets | 0.7100% | 3,054 |
| Noninterest expense to average assets | 1.8441% | 7,698 |
| Loan and lease loss provision to assets | 0.2189% | 4,697 |
| Net operating income to assets | 1.6485% | 752 |
| Return on assets (ROA) | 1.6487% | 722 |
| Pretax return on assets | 1.7086% | 1,125 |
| Return on Equity (ROE) | 17.3686% | 588 |
| Retained earnings to average equity (ytd only) | 9.5389% | 516 |
| Net charge-offs to loans | 0.0411% | 6,206 |
| Credit loss provision to net charge-offs | 586.4198% | 744 |
| Earnings coverage of net charge-offs (x) | 51.6235% | 745 |
| Efficiency ratio | 48.8970% | 7,742 |
| Assets per employee ($millions) | 5.8950% | 1,201 |
| Cash dividends to net income (ytd only)* | 45.0797% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 5,966 |
| Loan loss allowance to noncurrent loans | 554.4218% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.1662% | 6,906 |
| Noncurrent loans to loans | 0.1817% | 6,843 |
| Net loans and leases to total assets | 90.5664% | 159 |
| Net loans and leases to deposits | 108.1177% | 963 |
| Net loans and leases to core deposits | 121.9743% | 2,510 |
| Total domestic deposits to total assets | 83.7665% | 3,448 |
| Equity capital to assets | 9.6514% | 4,481 |
| Core capital (leverage) ratio | 9.8362% | 3,605 |
| Tier 1 risk-based capital ratio | 10.1205% | 6,611 |
| Total risk-based capital ratio | 11.0803% | 6,808 |
| Memoranda: | ||
| Average total assets | $433,914,200 | 1,569 |
| Average earning assets | $409,228,400 | 1,527 |
| Average equity | $41,189,200 | 1,625 |
| Average total loans | $394,154,600 | 1,228 |