Home > First Bank > Performance and Condition Ratios
First Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4048% | 3,270 |
| Cost of funding earning assets | 1.2828% | 2,569 |
| Net interest margin | 3.1220% | 3,048 |
| Noninterest income to average assets | 0.8000% | 935 |
| Noninterest expense to average assets | 2.7631% | 1,594 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0172% | 2,163 |
| Return on assets (ROA) | 1.0076% | 2,181 |
| Pretax return on assets | 1.0076% | 2,667 |
| Return on Equity (ROE) | 21.6300% | 486 |
| Retained earnings to average equity (ytd only) | 14.2109% | 382 |
| Net charge-offs to loans | 0.0010% | 2,841 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 4,083.5000% | 23 |
| Efficiency ratio | 73.0924% | 1,546 |
| Assets per employee ($millions) | 6.1889% | 2,652 |
| Cash dividends to net income (ytd only)* | 34.2892% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4215% | 211 |
| Loan loss allowance to noncurrent loans | 748.1536% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.0810% | 2,997 |
| Noncurrent loans to loans | 0.3237% | 2,024 |
| Net loans and leases to total assets | 24.4300% | 4,375 |
| Net loans and leases to deposits | 25.9413% | 4,395 |
| Net loans and leases to core deposits | 32.9316% | 4,370 |
| Total domestic deposits to total assets | 94.1700% | 98 |
| Equity capital to assets | 5.5337% | 4,328 |
| Core capital (leverage) ratio | 8.7406% | 3,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9374% | 376 |
| Memoranda: | ||
| Average total assets | $802,896,200 | 1,180 |
| Average earning assets | $766,662,600 | 1,147 |
| Average equity | $37,408,000 | 1,959 |
| Average total loans | $203,309,600 | 2,265 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2571% | 3,362 |
| Cost of funding earning assets | 1.1628% | 2,552 |
| Net interest margin | 3.0942% | 3,151 |
| Noninterest income to average assets | 0.8500% | 852 |
| Noninterest expense to average assets | 2.7621% | 1,516 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0366% | 2,256 |
| Return on assets (ROA) | 1.0237% | 2,277 |
| Pretax return on assets | 1.0237% | 2,787 |
| Return on Equity (ROE) | 23.1100% | 482 |
| Retained earnings to average equity (ytd only) | 12.6052% | 873 |
| Net charge-offs to loans | 0.0040% | 2,352 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 1,029.8333% | 150 |
| Efficiency ratio | 72.7112% | 1,485 |
| Assets per employee ($millions) | 6.0717% | 2,690 |
| Cash dividends to net income (ytd only)* | 45.4605% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4258% | 218 |
| Loan loss allowance to noncurrent loans | 727.1552% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.0837% | 3,032 |
| Noncurrent loans to loans | 0.3336% | 2,035 |
| Net loans and leases to total assets | 24.4700% | 4,393 |
| Net loans and leases to deposits | 25.4982% | 4,419 |
| Net loans and leases to core deposits | 30.7155% | 4,377 |
| Total domestic deposits to total assets | 95.9800% | 81 |
| Equity capital to assets | 3.7419% | 4,427 |
| Core capital (leverage) ratio | 8.6825% | 4,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1398% | 428 |
| Memoranda: | ||
| Average total assets | $794,745,250 | 1,191 |
| Average earning assets | $758,594,000 | 1,159 |
| Average equity | $35,201,500 | 2,038 |
| Average total loans | $201,844,250 | 2,273 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1348% | 3,423 |
| Cost of funding earning assets | 1.0601% | 2,417 |
| Net interest margin | 3.0747% | 3,271 |
| Noninterest income to average assets | 0.8200% | 823 |
| Noninterest expense to average assets | 2.7991% | 1,415 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9535% | 2,571 |
| Return on assets (ROA) | 0.9336% | 2,624 |
| Pretax return on assets | 0.9336% | 3,087 |
| Return on Equity (ROE) | 19.9800% | 708 |
| Retained earnings to average equity (ytd only) | 8.1674% | 1,912 |
| Net charge-offs to loans | 0.0070% | 1,978 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 532.8571% | 277 |
| Efficiency ratio | 74.5913% | 1,295 |
| Assets per employee ($millions) | 5.8602% | 2,834 |
| Cash dividends to net income (ytd only)* | 59.1183% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4614% | 231 |
| Loan loss allowance to noncurrent loans | 707.6923% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.0917% | 2,896 |
| Noncurrent loans to loans | 0.3478% | 1,886 |
| Net loans and leases to total assets | 25.7300% | 4,398 |
| Net loans and leases to deposits | 27.0369% | 4,427 |
| Net loans and leases to core deposits | 32.1259% | 4,383 |
| Total domestic deposits to total assets | 95.1500% | 87 |
| Equity capital to assets | 4.5658% | 4,437 |
| Core capital (leverage) ratio | 9.0116% | 3,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9913% | 427 |
| Memoranda: | ||
| Average total assets | $782,387,333 | 1,194 |
| Average earning assets | $746,728,667 | 1,169 |
| Average equity | $36,560,000 | 1,997 |
| Average total loans | $199,581,333 | 2,288 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0094% | 3,437 |
| Cost of funding earning assets | 0.9293% | 2,275 |
| Net interest margin | 3.0801% | 3,395 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 2.8290% | 1,373 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8318% | 3,086 |
| Return on assets (ROA) | 0.8318% | 3,043 |
| Pretax return on assets | 0.8318% | 3,388 |
| Return on Equity (ROE) | 17.6000% | 1,086 |
| Retained earnings to average equity (ytd only) | 0.9286% | 3,877 |
| Net charge-offs to loans | -0.0020% | 3,428 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.2791% | 1,068 |
| Assets per employee ($millions) | 5.7356% | 2,993 |
| Cash dividends to net income (ytd only)* | 94.7239% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5098% | 218 |
| Loan loss allowance to noncurrent loans | 690.4632% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 2,873 |
| Noncurrent loans to loans | 0.3635% | 1,845 |
| Net loans and leases to total assets | 25.2400% | 4,463 |
| Net loans and leases to deposits | 26.6742% | 4,492 |
| Net loans and leases to core deposits | 31.6762% | 4,431 |
| Total domestic deposits to total assets | 94.6100% | 123 |
| Equity capital to assets | 5.1511% | 4,393 |
| Core capital (leverage) ratio | 8.6589% | 4,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4546% | 476 |
| Memoranda: | ||
| Average total assets | $783,878,000 | 1,213 |
| Average earning assets | $748,539,000 | 1,185 |
| Average equity | $37,047,000 | 2,006 |
| Average total loans | $196,583,500 | 2,333 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9495% | 4,191 |
| Cost of funding earning assets | 0.2729% | 3,123 |
| Net interest margin | 2.6766% | 4,083 |
| Noninterest income to average assets | 1.1800% | 488 |
| Noninterest expense to average assets | 2.7626% | 1,407 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9690% | 2,680 |
| Return on assets (ROA) | 0.9689% | 2,625 |
| Pretax return on assets | 0.9689% | 3,159 |
| Return on Equity (ROE) | 16.5500% | 950 |
| Retained earnings to average equity (ytd only) | 10.7222% | 953 |
| Net charge-offs to loans | -0.1119% | 4,540 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.9557% | 1,221 |
| Assets per employee ($millions) | 6.0130% | 2,750 |
| Cash dividends to net income (ytd only)* | 35.2323% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6495% | 182 |
| Loan loss allowance to noncurrent loans | 672.9084% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.0956% | 2,876 |
| Noncurrent loans to loans | 0.3937% | 1,739 |
| Net loans and leases to total assets | 23.6300% | 4,514 |
| Net loans and leases to deposits | 24.7689% | 4,536 |
| Net loans and leases to core deposits | 28.5808% | 4,501 |
| Total domestic deposits to total assets | 95.4200% | 112 |
| Equity capital to assets | 4.3053% | 4,487 |
| Core capital (leverage) ratio | 8.5197% | 4,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1982% | 408 |
| Memoranda: | ||
| Average total assets | $775,421,000 | 1,211 |
| Average earning assets | $740,631,000 | 1,178 |
| Average equity | $45,382,400 | 1,745 |
| Average total loans | $188,503,600 | 2,317 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6488% | 4,343 |
| Cost of funding earning assets | 0.1786% | 3,531 |
| Net interest margin | 2.4702% | 4,235 |
| Noninterest income to average assets | 1.2700% | 454 |
| Noninterest expense to average assets | 2.7678% | 1,309 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.8566% | 3,040 |
| Return on assets (ROA) | 0.8566% | 3,018 |
| Pretax return on assets | 0.8566% | 3,458 |
| Return on Equity (ROE) | 13.7100% | 1,505 |
| Retained earnings to average equity (ytd only) | 6.3971% | 2,595 |
| Net charge-offs to loans | -0.1569% | 4,595 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.2568% | 1,053 |
| Assets per employee ($millions) | 6.1273% | 2,645 |
| Cash dividends to net income (ytd only)* | 53.3454% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7575% | 167 |
| Loan loss allowance to noncurrent loans | 674.2364% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.0938% | 3,006 |
| Noncurrent loans to loans | 0.4090% | 1,794 |
| Net loans and leases to total assets | 22.3100% | 4,567 |
| Net loans and leases to deposits | 23.2182% | 4,590 |
| Net loans and leases to core deposits | 24.8593% | 4,573 |
| Total domestic deposits to total assets | 96.0700% | 124 |
| Equity capital to assets | 3.7378% | 4,506 |
| Core capital (leverage) ratio | 8.4349% | 4,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9204% | 437 |
| Memoranda: | ||
| Average total assets | $772,349,000 | 1,218 |
| Average earning assets | $737,676,250 | 1,187 |
| Average equity | $48,249,750 | 1,686 |
| Average total loans | $187,819,000 | 2,329 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4512% | 4,420 |
| Cost of funding earning assets | 0.1404% | 3,706 |
| Net interest margin | 2.3108% | 4,327 |
| Noninterest income to average assets | 1.3319% | 396 |
| Noninterest expense to average assets | 2.7314% | 1,312 |
| Loan and lease loss provision to assets | 0.0079% | 2,455 |
| Net operating income to assets | 0.7992% | 2,962 |
| Return on assets (ROA) | 0.7990% | 2,931 |
| Pretax return on assets | 0.7990% | 3,334 |
| Return on Equity (ROE) | 11.2088% | 1,918 |
| Retained earnings to average equity (ytd only) | 3.7363% | 3,188 |
| Net charge-offs to loans | -0.0328% | 4,078 |
| Credit loss provision to net charge-offs | -96.7742% | 3,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1912% | 1,157 |
| Assets per employee ($millions) | 5.6988% | 3,026 |
| Cash dividends to net income (ytd only)* | 66.6667% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6519% | 206 |
| Loan loss allowance to noncurrent loans | 649.0040% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.1001% | 3,004 |
| Noncurrent loans to loans | 0.4086% | 1,899 |
| Net loans and leases to total assets | 23.8477% | 4,599 |
| Net loans and leases to deposits | 25.2905% | 4,625 |
| Net loans and leases to core deposits | 26.5317% | 4,621 |
| Total domestic deposits to total assets | 94.2951% | 234 |
| Equity capital to assets | 5.4708% | 4,372 |
| Core capital (leverage) ratio | 8.6869% | 3,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7614% | 434 |
| Memoranda: | ||
| Average total assets | $762,240,667 | 1,235 |
| Average earning assets | $727,881,000 | 1,213 |
| Average equity | $54,332,333 | 1,569 |
| Average total loans | $189,052,667 | 2,308 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3268% | 4,438 |
| Cost of funding earning assets | 0.1352% | 3,699 |
| Net interest margin | 2.1915% | 4,358 |
| Noninterest income to average assets | 1.5302% | 347 |
| Noninterest expense to average assets | 2.7022% | 1,359 |
| Loan and lease loss provision to assets | 0.0156% | 2,068 |
| Net operating income to assets | 0.9077% | 2,248 |
| Return on assets (ROA) | 0.9077% | 2,245 |
| Pretax return on assets | 0.9077% | 2,748 |
| Return on Equity (ROE) | 11.4311% | 1,483 |
| Retained earnings to average equity (ytd only) | 2.1602% | 3,503 |
| Net charge-offs to loans | -0.0042% | 3,288 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5326% | 1,686 |
| Assets per employee ($millions) | 5.5201% | 3,303 |
| Cash dividends to net income (ytd only)* | 81.1028% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5937% | 261 |
| Loan loss allowance to noncurrent loans | 645.1527% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.0996% | 3,110 |
| Noncurrent loans to loans | 0.4020% | 2,055 |
| Net loans and leases to total assets | 24.1244% | 4,612 |
| Net loans and leases to deposits | 25.9687% | 4,640 |
| Net loans and leases to core deposits | 27.0142% | 4,636 |
| Total domestic deposits to total assets | 92.8982% | 298 |
| Equity capital to assets | 6.9213% | 4,245 |
| Core capital (leverage) ratio | 8.6059% | 3,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5677% | 457 |
| Memoranda: | ||
| Average total assets | $767,239,000 | 1,232 |
| Average earning assets | $733,555,000 | 1,208 |
| Average equity | $60,921,500 | 1,459 |
| Average total loans | $191,439,000 | 2,290 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8310% | 4,161 |
| Cost of funding earning assets | 0.1511% | 3,966 |
| Net interest margin | 2.6799% | 3,911 |
| Noninterest income to average assets | 1.6249% | 428 |
| Noninterest expense to average assets | 2.8936% | 1,169 |
| Loan and lease loss provision to assets | 0.0241% | 2,583 |
| Net operating income to assets | 1.2692% | 1,691 |
| Return on assets (ROA) | 1.2688% | 1,749 |
| Pretax return on assets | 1.2688% | 2,461 |
| Return on Equity (ROE) | 13.5193% | 1,302 |
| Retained earnings to average equity (ytd only) | 8.0502% | 1,512 |
| Net charge-offs to loans | -0.2730% | 4,740 |
| Credit loss provision to net charge-offs | -28.2132% | 3,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1110% | 1,845 |
| Assets per employee ($millions) | 5.7646% | 2,995 |
| Cash dividends to net income (ytd only)* | 40.4536% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4676% | 293 |
| Loan loss allowance to noncurrent loans | 640.9031% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 3,260 |
| Noncurrent loans to loans | 0.3850% | 2,207 |
| Net loans and leases to total assets | 24.5112% | 4,657 |
| Net loans and leases to deposits | 26.9895% | 4,672 |
| Net loans and leases to core deposits | 28.0660% | 4,674 |
| Total domestic deposits to total assets | 90.8175% | 575 |
| Equity capital to assets | 8.9306% | 3,698 |
| Core capital (leverage) ratio | 8.3843% | 4,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4588% | 469 |
| Memoranda: | ||
| Average total assets | $747,173,800 | 1,228 |
| Average earning assets | $714,279,800 | 1,197 |
| Average equity | $70,122,200 | 1,344 |
| Average total loans | $233,734,600 | 2,027 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9025% | 4,170 |
| Cost of funding earning assets | 0.1547% | 4,068 |
| Net interest margin | 2.7478% | 3,886 |
| Noninterest income to average assets | 1.6272% | 473 |
| Noninterest expense to average assets | 2.8777% | 1,170 |
| Loan and lease loss provision to assets | 0.0243% | 2,508 |
| Net operating income to assets | 1.3508% | 1,691 |
| Return on assets (ROA) | 1.3502% | 1,745 |
| Pretax return on assets | 1.3502% | 2,489 |
| Return on Equity (ROE) | 14.2061% | 1,337 |
| Retained earnings to average equity (ytd only) | 6.9285% | 2,447 |
| Net charge-offs to loans | -0.1255% | 4,685 |
| Credit loss provision to net charge-offs | -58.9520% | 3,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6659% | 1,876 |
| Assets per employee ($millions) | 5.6286% | 3,063 |
| Cash dividends to net income (ytd only)* | 51.2286% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0007% | 627 |
| Loan loss allowance to noncurrent loans | 580.6109% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 3,469 |
| Noncurrent loans to loans | 0.3446% | 2,546 |
| Net loans and leases to total assets | 26.9842% | 4,679 |
| Net loans and leases to deposits | 29.7540% | 4,705 |
| Net loans and leases to core deposits | 30.9634% | 4,708 |
| Total domestic deposits to total assets | 90.6911% | 472 |
| Equity capital to assets | 8.8406% | 3,968 |
| Core capital (leverage) ratio | 8.2204% | 4,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1405% | 680 |
| Memoranda: | ||
| Average total assets | $739,412,250 | 1,250 |
| Average earning assets | $706,539,750 | 1,224 |
| Average equity | $70,277,750 | 1,365 |
| Average total loans | $243,274,000 | 1,998 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7511% | 4,409 |
| Cost of funding earning assets | 0.1592% | 4,130 |
| Net interest margin | 2.5919% | 4,180 |
| Noninterest income to average assets | 1.7578% | 406 |
| Noninterest expense to average assets | 2.9046% | 1,137 |
| Loan and lease loss provision to assets | 0.0250% | 2,471 |
| Net operating income to assets | 1.3026% | 1,861 |
| Return on assets (ROA) | 1.3020% | 1,931 |
| Pretax return on assets | 1.3020% | 2,624 |
| Return on Equity (ROE) | 13.3567% | 1,606 |
| Retained earnings to average equity (ytd only) | 5.2079% | 3,116 |
| Net charge-offs to loans | -0.1797% | 4,777 |
| Credit loss provision to net charge-offs | -39.8230% | 2,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6321% | 1,805 |
| Assets per employee ($millions) | 5.6219% | 2,994 |
| Cash dividends to net income (ytd only)* | 61.0094% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7339% | 996 |
| Loan loss allowance to noncurrent loans | 574.2364% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.0992% | 3,552 |
| Noncurrent loans to loans | 0.3019% | 2,847 |
| Net loans and leases to total assets | 32.2884% | 4,579 |
| Net loans and leases to deposits | 35.6965% | 4,640 |
| Net loans and leases to core deposits | 37.2162% | 4,645 |
| Total domestic deposits to total assets | 90.4525% | 576 |
| Equity capital to assets | 9.3350% | 3,478 |
| Core capital (leverage) ratio | 8.5577% | 3,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3543% | 586 |
| Memoranda: | ||
| Average total assets | $721,341,000 | 1,266 |
| Average earning assets | $688,608,000 | 1,244 |
| Average equity | $70,316,667 | 1,357 |
| Average total loans | $251,523,333 | 1,954 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7662% | 4,408 |
| Cost of funding earning assets | 0.1664% | 4,191 |
| Net interest margin | 2.5997% | 4,152 |
| Noninterest income to average assets | 1.9478% | 395 |
| Noninterest expense to average assets | 2.9323% | 1,109 |
| Loan and lease loss provision to assets | 0.0256% | 2,448 |
| Net operating income to assets | 1.4713% | 1,393 |
| Return on assets (ROA) | 1.4707% | 1,457 |
| Pretax return on assets | 1.4707% | 2,073 |
| Return on Equity (ROE) | 14.7494% | 1,269 |
| Retained earnings to average equity (ytd only) | 3.4318% | 3,655 |
| Net charge-offs to loans | -0.2011% | 4,784 |
| Credit loss provision to net charge-offs | -35.4331% | 2,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2039% | 2,200 |
| Assets per employee ($millions) | 5.1851% | 3,448 |
| Cash dividends to net income (ytd only)* | 76.7325% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5857% | 1,331 |
| Loan loss allowance to noncurrent loans | 555.1129% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 3,655 |
| Noncurrent loans to loans | 0.2857% | 3,078 |
| Net loans and leases to total assets | 36.2554% | 4,488 |
| Net loans and leases to deposits | 40.2067% | 4,560 |
| Net loans and leases to core deposits | 42.0631% | 4,566 |
| Total domestic deposits to total assets | 90.1724% | 737 |
| Equity capital to assets | 9.6219% | 3,077 |
| Core capital (leverage) ratio | 8.8360% | 3,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3581% | 563 |
| Memoranda: | ||
| Average total assets | $702,530,000 | 1,281 |
| Average earning assets | $670,533,500 | 1,260 |
| Average equity | $70,050,500 | 1,355 |
| Average total loans | $252,594,500 | 1,948 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3259% | 4,292 |
| Cost of funding earning assets | 0.2669% | 4,307 |
| Net interest margin | 3.0590% | 3,731 |
| Noninterest income to average assets | 1.4786% | 556 |
| Noninterest expense to average assets | 3.3226% | 883 |
| Loan and lease loss provision to assets | 0.0375% | 3,943 |
| Net operating income to assets | 1.0143% | 2,244 |
| Return on assets (ROA) | 1.0240% | 2,345 |
| Pretax return on assets | 1.0240% | 2,962 |
| Return on Equity (ROE) | 10.1072% | 1,964 |
| Retained earnings to average equity (ytd only) | 5.4181% | 2,085 |
| Net charge-offs to loans | -0.0515% | 4,674 |
| Credit loss provision to net charge-offs | -195.1220% | 3,798 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9550% | 1,233 |
| Assets per employee ($millions) | 5.1076% | 3,274 |
| Cash dividends to net income (ytd only)* | 46.3932% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6590% | 1,140 |
| Loan loss allowance to noncurrent loans | 513.1882% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.1133% | 3,727 |
| Noncurrent loans to loans | 0.3233% | 3,047 |
| Net loans and leases to total assets | 34.4558% | 4,632 |
| Net loans and leases to deposits | 38.5376% | 4,689 |
| Net loans and leases to core deposits | 40.5000% | 4,684 |
| Total domestic deposits to total assets | 89.4082% | 807 |
| Equity capital to assets | 10.3337% | 2,804 |
| Core capital (leverage) ratio | 8.8761% | 3,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2125% | 562 |
| Memoranda: | ||
| Average total assets | $640,317,800 | 1,270 |
| Average earning assets | $606,153,800 | 1,251 |
| Average equity | $64,874,800 | 1,374 |
| Average total loans | $238,911,200 | 1,977 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4309% | 4,312 |
| Cost of funding earning assets | 0.2923% | 4,345 |
| Net interest margin | 3.1386% | 3,650 |
| Noninterest income to average assets | 1.3042% | 639 |
| Noninterest expense to average assets | 3.2935% | 913 |
| Loan and lease loss provision to assets | 0.0350% | 3,900 |
| Net operating income to assets | 0.9394% | 2,567 |
| Return on assets (ROA) | 0.9524% | 2,645 |
| Pretax return on assets | 0.9524% | 3,222 |
| Return on Equity (ROE) | 9.4519% | 2,227 |
| Retained earnings to average equity (ytd only) | 3.0404% | 3,504 |
| Net charge-offs to loans | -0.0700% | 4,757 |
| Credit loss provision to net charge-offs | -132.0000% | 3,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1676% | 1,111 |
| Assets per employee ($millions) | 4.7671% | 3,518 |
| Cash dividends to net income (ytd only)* | 67.8333% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4392% | 1,577 |
| Loan loss allowance to noncurrent loans | 503.8412% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.1154% | 3,850 |
| Noncurrent loans to loans | 0.2857% | 3,257 |
| Net loans and leases to total assets | 39.8086% | 4,571 |
| Net loans and leases to deposits | 44.4499% | 4,643 |
| Net loans and leases to core deposits | 46.6693% | 4,654 |
| Total domestic deposits to total assets | 89.5584% | 569 |
| Equity capital to assets | 10.2168% | 3,049 |
| Core capital (leverage) ratio | 8.7726% | 3,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9819% | 682 |
| Memoranda: | ||
| Average total assets | $628,016,750 | 1,273 |
| Average earning assets | $593,022,500 | 1,251 |
| Average equity | $63,280,250 | 1,380 |
| Average total loans | $238,242,000 | 1,981 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5221% | 4,386 |
| Cost of funding earning assets | 0.3257% | 4,379 |
| Net interest margin | 3.1965% | 3,678 |
| Noninterest income to average assets | 1.5125% | 457 |
| Noninterest expense to average assets | 3.7776% | 518 |
| Loan and lease loss provision to assets | 0.0294% | 3,884 |
| Net operating income to assets | 0.7157% | 3,338 |
| Return on assets (ROA) | 0.7356% | 3,377 |
| Pretax return on assets | 0.7356% | 3,781 |
| Return on Equity (ROE) | 7.3385% | 2,991 |
| Retained earnings to average equity (ytd only) | 0.5838% | 4,192 |
| Net charge-offs to loans | -0.0539% | 4,701 |
| Credit loss provision to net charge-offs | -147.5410% | 3,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5249% | 666 |
| Assets per employee ($millions) | 4.7367% | 3,492 |
| Cash dividends to net income (ytd only)* | 92.0444% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4902% | 1,293 |
| Loan loss allowance to noncurrent loans | 476.8844% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.1209% | 3,928 |
| Noncurrent loans to loans | 0.3125% | 3,266 |
| Net loans and leases to total assets | 38.1121% | 4,666 |
| Net loans and leases to deposits | 42.4855% | 4,734 |
| Net loans and leases to core deposits | 44.7119% | 4,742 |
| Total domestic deposits to total assets | 89.7060% | 490 |
| Equity capital to assets | 10.1184% | 3,097 |
| Core capital (leverage) ratio | 9.1202% | 3,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9020% | 684 |
| Memoranda: | ||
| Average total assets | $611,714,333 | 1,275 |
| Average earning assets | $576,071,000 | 1,257 |
| Average equity | $61,320,333 | 1,401 |
| Average total loans | $226,519,667 | 2,038 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5365% | 4,600 |
| Cost of funding earning assets | 0.4052% | 4,343 |
| Net interest margin | 3.1312% | 4,032 |
| Noninterest income to average assets | 1.1319% | 681 |
| Noninterest expense to average assets | 3.5107% | 921 |
| Loan and lease loss provision to assets | 0.0306% | 3,391 |
| Net operating income to assets | 0.5323% | 3,799 |
| Return on assets (ROA) | 0.5731% | 3,741 |
| Pretax return on assets | 0.5731% | 3,973 |
| Return on Equity (ROE) | 5.7473% | 3,410 |
| Retained earnings to average equity (ytd only) | -3.8588% | 4,425 |
| Net charge-offs to loans | -0.0056% | 3,898 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1816% | 690 |
| Assets per employee ($millions) | 4.2547% | 3,589 |
| Cash dividends to net income (ytd only)* | 167.1412% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7199% | 843 |
| Loan loss allowance to noncurrent loans | 118.5554% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.5344% | 2,389 |
| Noncurrent loans to loans | 1.4507% | 1,101 |
| Net loans and leases to total assets | 36.2046% | 4,771 |
| Net loans and leases to deposits | 40.5528% | 4,829 |
| Net loans and leases to core deposits | 44.9024% | 4,797 |
| Total domestic deposits to total assets | 89.2777% | 557 |
| Equity capital to assets | 10.0488% | 3,732 |
| Core capital (leverage) ratio | 9.6354% | 3,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3669% | 823 |
| Memoranda: | ||
| Average total assets | $588,374,000 | 1,278 |
| Average earning assets | $552,757,000 | 1,262 |
| Average equity | $58,671,000 | 1,443 |
| Average total loans | $212,417,500 | 2,110 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7983% | 4,568 |
| Cost of funding earning assets | 0.4974% | 4,101 |
| Net interest margin | 3.3009% | 3,986 |
| Noninterest income to average assets | 1.2601% | 594 |
| Noninterest expense to average assets | 3.2984% | 1,301 |
| Loan and lease loss provision to assets | 0.0311% | 3,393 |
| Net operating income to assets | 1.0220% | 2,762 |
| Return on assets (ROA) | 1.0310% | 2,823 |
| Pretax return on assets | 1.0310% | 3,386 |
| Return on Equity (ROE) | 10.8977% | 1,926 |
| Retained earnings to average equity (ytd only) | 5.8371% | 1,957 |
| Net charge-offs to loans | 0.0060% | 3,461 |
| Credit loss provision to net charge-offs | 1,384.6154% | 256 |
| Earnings coverage of net charge-offs (x) | 468.6923% | 200 |
| Efficiency ratio | 75.7993% | 1,393 |
| Assets per employee ($millions) | 4.3033% | 3,504 |
| Cash dividends to net income (ytd only)* | 46.4376% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7348% | 739 |
| Loan loss allowance to noncurrent loans | 449.4451% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.1366% | 3,952 |
| Noncurrent loans to loans | 0.3860% | 3,055 |
| Net loans and leases to total assets | 34.7666% | 4,883 |
| Net loans and leases to deposits | 38.6708% | 4,928 |
| Net loans and leases to core deposits | 43.1607% | 4,890 |
| Total domestic deposits to total assets | 89.9039% | 350 |
| Equity capital to assets | 9.8961% | 4,014 |
| Core capital (leverage) ratio | 9.4324% | 4,128 |
| Tier 1 risk-based capital ratio | 19.4698% | 1,418 |
| Total risk-based capital ratio | 20.7209% | 1,382 |
| Memoranda: | ||
| Average total assets | $578,589,400 | 1,260 |
| Average earning assets | $541,854,600 | 1,254 |
| Average equity | $54,736,200 | 1,476 |
| Average total loans | $215,039,400 | 2,056 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8295% | 4,636 |
| Cost of funding earning assets | 0.5057% | 4,116 |
| Net interest margin | 3.3238% | 4,051 |
| Noninterest income to average assets | 1.1863% | 650 |
| Noninterest expense to average assets | 3.2631% | 1,347 |
| Loan and lease loss provision to assets | 0.0313% | 3,279 |
| Net operating income to assets | 1.0021% | 2,973 |
| Return on assets (ROA) | 1.0146% | 3,007 |
| Pretax return on assets | 1.0146% | 3,543 |
| Return on Equity (ROE) | 10.8543% | 2,076 |
| Retained earnings to average equity (ytd only) | 3.9804% | 3,405 |
| Net charge-offs to loans | 0.0216% | 2,673 |
| Credit loss provision to net charge-offs | 385.7143% | 787 |
| Earnings coverage of net charge-offs (x) | 127.2734% | 618 |
| Efficiency ratio | 75.9475% | 1,340 |
| Assets per employee ($millions) | 4.3499% | 3,415 |
| Cash dividends to net income (ytd only)* | 63.3288% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6579% | 884 |
| Loan loss allowance to noncurrent loans | 390.6114% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.1515% | 3,983 |
| Noncurrent loans to loans | 0.4244% | 3,034 |
| Net loans and leases to total assets | 35.1016% | 4,965 |
| Net loans and leases to deposits | 38.9058% | 5,021 |
| Net loans and leases to core deposits | 43.5791% | 4,970 |
| Total domestic deposits to total assets | 90.2222% | 236 |
| Equity capital to assets | 9.6091% | 4,375 |
| Core capital (leverage) ratio | 9.3008% | 4,364 |
| Tier 1 risk-based capital ratio | 18.7343% | 1,628 |
| Total risk-based capital ratio | 19.9850% | 1,595 |
| Memoranda: | ||
| Average total assets | $574,773,750 | 1,270 |
| Average earning assets | $537,844,500 | 1,262 |
| Average equity | $53,728,250 | 1,499 |
| Average total loans | $216,272,500 | 2,066 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8362% | 4,657 |
| Cost of funding earning assets | 0.4998% | 4,114 |
| Net interest margin | 3.3364% | 4,058 |
| Noninterest income to average assets | 1.1235% | 671 |
| Noninterest expense to average assets | 3.3172% | 1,252 |
| Loan and lease loss provision to assets | 0.0319% | 3,192 |
| Net operating income to assets | 0.8948% | 3,306 |
| Return on assets (ROA) | 0.9129% | 3,296 |
| Pretax return on assets | 0.9129% | 3,805 |
| Return on Equity (ROE) | 9.8640% | 2,453 |
| Retained earnings to average equity (ytd only) | 1.7907% | 4,179 |
| Net charge-offs to loans | 0.0425% | 2,049 |
| Credit loss provision to net charge-offs | 195.6522% | 1,239 |
| Earnings coverage of net charge-offs (x) | 56.8913% | 1,013 |
| Efficiency ratio | 78.1644% | 1,127 |
| Assets per employee ($millions) | 4.3049% | 3,426 |
| Cash dividends to net income (ytd only)* | 81.8464% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6261% | 970 |
| Loan loss allowance to noncurrent loans | 434.2787% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.1406% | 4,059 |
| Noncurrent loans to loans | 0.3744% | 3,185 |
| Net loans and leases to total assets | 36.9364% | 4,948 |
| Net loans and leases to deposits | 40.9827% | 5,031 |
| Net loans and leases to core deposits | 46.1473% | 4,956 |
| Total domestic deposits to total assets | 90.1268% | 302 |
| Equity capital to assets | 9.6861% | 4,243 |
| Core capital (leverage) ratio | 9.6316% | 3,999 |
| Tier 1 risk-based capital ratio | 18.2565% | 1,737 |
| Total risk-based capital ratio | 19.5094% | 1,696 |
| Memoranda: | ||
| Average total assets | $564,820,670 | 1,286 |
| Average earning assets | $528,237,000 | 1,279 |
| Average equity | $52,271,000 | 1,532 |
| Average total loans | $216,425,330 | 2,069 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8733% | 4,600 |
| Cost of funding earning assets | 0.4801% | 4,154 |
| Net interest margin | 3.3932% | 3,905 |
| Noninterest income to average assets | 1.0723% | 694 |
| Noninterest expense to average assets | 3.3615% | 1,171 |
| Loan and lease loss provision to assets | 0.0322% | 2,981 |
| Net operating income to assets | 0.8561% | 3,422 |
| Return on assets (ROA) | 0.8368% | 3,537 |
| Pretax return on assets | 0.8368% | 3,954 |
| Return on Equity (ROE) | 9.2651% | 2,687 |
| Retained earnings to average equity (ytd only) | -2.2271% | 4,761 |
| Net charge-offs to loans | 0.1239% | 1,003 |
| Credit loss provision to net charge-offs | 67.1642% | 1,870 |
| Earnings coverage of net charge-offs (x) | 18.5224% | 1,624 |
| Efficiency ratio | 79.0972% | 1,150 |
| Assets per employee ($millions) | 4.0211% | 3,889 |
| Cash dividends to net income (ytd only)* | 124.0376% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6192% | 1,023 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 38.1047% | 4,955 |
| Net loans and leases to deposits | 42.1606% | 5,037 |
| Net loans and leases to core deposits | 47.1396% | 4,955 |
| Total domestic deposits to total assets | 90.3799% | 323 |
| Equity capital to assets | 9.4579% | 4,297 |
| Core capital (leverage) ratio | 9.5001% | 4,130 |
| Tier 1 risk-based capital ratio | 17.8342% | 1,837 |
| Total risk-based capital ratio | 19.0737% | 1,802 |
| Memoranda: | ||
| Average total assets | $558,803,000 | 1,302 |
| Average earning assets | $523,278,000 | 1,291 |
| Average equity | $50,469,000 | 1,567 |
| Average total loans | $216,342,000 | 2,087 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7016% | 4,670 |
| Cost of funding earning assets | 0.3203% | 4,464 |
| Net interest margin | 3.3814% | 4,047 |
| Noninterest income to average assets | 1.1816% | 665 |
| Noninterest expense to average assets | 3.3438% | 1,232 |
| Loan and lease loss provision to assets | 0.0325% | 3,537 |
| Net operating income to assets | 0.9674% | 3,148 |
| Return on assets (ROA) | 0.9542% | 3,209 |
| Pretax return on assets | 0.9542% | 3,747 |
| Return on Equity (ROE) | 11.3725% | 1,949 |
| Retained earnings to average equity (ytd only) | 5.8080% | 2,290 |
| Net charge-offs to loans | -0.0885% | 5,120 |
| Credit loss provision to net charge-offs | -94.7368% | 4,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9807% | 1,237 |
| Assets per employee ($millions) | 4.1670% | 3,660 |
| Cash dividends to net income (ytd only)* | 48.9297% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5859% | 1,056 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 38.0854% | 5,011 |
| Net loans and leases to deposits | 41.7717% | 5,085 |
| Net loans and leases to core deposits | 45.2635% | 5,055 |
| Total domestic deposits to total assets | 91.1752% | 167 |
| Equity capital to assets | 8.6173% | 4,861 |
| Core capital (leverage) ratio | 9.1465% | 4,512 |
| Tier 1 risk-based capital ratio | 17.8353% | 1,803 |
| Total risk-based capital ratio | 19.0767% | 1,764 |
| Memoranda: | ||
| Average total assets | $553,255,800 | 1,282 |
| Average earning assets | $517,393,200 | 1,270 |
| Average equity | $46,419,000 | 1,614 |
| Average total loans | $214,674,600 | 2,069 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6187% | 4,768 |
| Cost of funding earning assets | 0.2954% | 4,553 |
| Net interest margin | 3.3233% | 4,216 |
| Noninterest income to average assets | 1.2189% | 645 |
| Noninterest expense to average assets | 3.3388% | 1,225 |
| Loan and lease loss provision to assets | 0.0327% | 3,364 |
| Net operating income to assets | 0.9522% | 3,297 |
| Return on assets (ROA) | 0.9349% | 3,374 |
| Pretax return on assets | 0.9349% | 3,913 |
| Return on Equity (ROE) | 11.2217% | 2,081 |
| Retained earnings to average equity (ytd only) | 3.7047% | 3,920 |
| Net charge-offs to loans | -0.0287% | 4,732 |
| Credit loss provision to net charge-offs | -293.4783% | 4,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2207% | 1,206 |
| Assets per employee ($millions) | 4.2040% | 3,569 |
| Cash dividends to net income (ytd only)* | 66.9865% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5297% | 1,257 |
| Loan loss allowance to noncurrent loans | 4,445.9459% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 4,945 |
| Noncurrent loans to loans | 0.0344% | 4,741 |
| Net loans and leases to total assets | 36.7712% | 5,113 |
| Net loans and leases to deposits | 39.9443% | 5,209 |
| Net loans and leases to core deposits | 42.8376% | 5,183 |
| Total domestic deposits to total assets | 92.0561% | 78 |
| Equity capital to assets | 7.7829% | 5,244 |
| Core capital (leverage) ratio | 9.0002% | 4,702 |
| Tier 1 risk-based capital ratio | 17.5231% | 1,919 |
| Total risk-based capital ratio | 18.7126% | 1,900 |
| Memoranda: | ||
| Average total assets | $549,892,250 | 1,291 |
| Average earning assets | $513,728,500 | 1,285 |
| Average equity | $45,815,000 | 1,641 |
| Average total loans | $213,515,250 | 2,080 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5616% | 4,835 |
| Cost of funding earning assets | 0.2794% | 4,567 |
| Net interest margin | 3.2822% | 4,302 |
| Noninterest income to average assets | 1.2324% | 636 |
| Noninterest expense to average assets | 3.3873% | 1,150 |
| Loan and lease loss provision to assets | 0.0333% | 3,254 |
| Net operating income to assets | 0.8766% | 3,552 |
| Return on assets (ROA) | 0.8503% | 3,673 |
| Pretax return on assets | 0.8503% | 4,111 |
| Return on Equity (ROE) | 9.9730% | 2,571 |
| Retained earnings to average equity (ytd only) | 1.4520% | 4,652 |
| Net charge-offs to loans | -0.1005% | 5,159 |
| Credit loss provision to net charge-offs | -84.1121% | 4,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8270% | 1,133 |
| Assets per employee ($millions) | 4.0514% | 3,815 |
| Cash dividends to net income (ytd only)* | 85.4411% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5273% | 1,308 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 38.6750% | 5,106 |
| Net loans and leases to deposits | 42.2244% | 5,186 |
| Net loans and leases to core deposits | 45.4058% | 5,167 |
| Total domestic deposits to total assets | 91.5940% | 136 |
| Equity capital to assets | 8.1866% | 5,143 |
| Core capital (leverage) ratio | 9.4483% | 4,180 |
| Tier 1 risk-based capital ratio | 17.2795% | 2,012 |
| Total risk-based capital ratio | 18.4792% | 1,976 |
| Memoranda: | ||
| Average total assets | $541,205,000 | 1,314 |
| Average earning assets | $505,331,330 | 1,305 |
| Average equity | $46,144,670 | 1,629 |
| Average total loans | $212,995,330 | 2,085 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5231% | 4,839 |
| Cost of funding earning assets | 0.2687% | 4,590 |
| Net interest margin | 3.2545% | 4,301 |
| Noninterest income to average assets | 1.1732% | 667 |
| Noninterest expense to average assets | 3.4629% | 1,060 |
| Loan and lease loss provision to assets | 0.0336% | 3,056 |
| Net operating income to assets | 0.7212% | 4,023 |
| Return on assets (ROA) | 0.7212% | 4,030 |
| Pretax return on assets | 0.7212% | 4,380 |
| Return on Equity (ROE) | 8.2891% | 3,249 |
| Retained earnings to average equity (ytd only) | -3.3174% | 5,103 |
| Net charge-offs to loans | -0.0076% | 4,148 |
| Credit loss provision to net charge-offs | -1,125.0000% | 4,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1043% | 937 |
| Assets per employee ($millions) | 3.9045% | 4,148 |
| Cash dividends to net income (ytd only)* | 140.0207% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 1,461 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 38.9986% | 5,106 |
| Net loans and leases to deposits | 42.6888% | 5,197 |
| Net loans and leases to core deposits | 45.9318% | 5,165 |
| Total domestic deposits to total assets | 91.3554% | 215 |
| Equity capital to assets | 8.4704% | 4,996 |
| Core capital (leverage) ratio | 9.3190% | 4,295 |
| Tier 1 risk-based capital ratio | 17.2942% | 2,037 |
| Total risk-based capital ratio | 18.4612% | 2,009 |
| Memoranda: | ||
| Average total assets | $536,314,500 | 1,336 |
| Average earning assets | $501,712,000 | 1,321 |
| Average equity | $46,663,500 | 1,622 |
| Average total loans | $211,293,500 | 2,104 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4553% | 4,853 |
| Cost of funding earning assets | 0.2402% | 4,646 |
| Net interest margin | 3.2151% | 4,409 |
| Noninterest income to average assets | 1.2910% | 637 |
| Noninterest expense to average assets | 3.3870% | 1,221 |
| Loan and lease loss provision to assets | 0.0337% | 3,590 |
| Net operating income to assets | 0.8572% | 2,922 |
| Return on assets (ROA) | 0.8539% | 2,961 |
| Pretax return on assets | 0.8539% | 4,077 |
| Return on Equity (ROE) | 9.6353% | 2,043 |
| Retained earnings to average equity (ytd only) | 4.2779% | 2,595 |
| Net charge-offs to loans | -0.0825% | 5,325 |
| Credit loss provision to net charge-offs | -102.2727% | 4,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1738% | 1,203 |
| Assets per employee ($millions) | 4.1986% | 3,657 |
| Cash dividends to net income (ytd only)* | 55.6018% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4641% | 1,531 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 38.6314% | 5,190 |
| Net loans and leases to deposits | 42.5100% | 5,282 |
| Net loans and leases to core deposits | 45.3376% | 5,255 |
| Total domestic deposits to total assets | 90.8758% | 274 |
| Equity capital to assets | 8.9266% | 4,789 |
| Core capital (leverage) ratio | 9.0645% | 4,565 |
| Tier 1 risk-based capital ratio | 17.5087% | 1,941 |
| Total risk-based capital ratio | 18.6644% | 1,921 |
| Memoranda: | ||
| Average total assets | $534,160,600 | 1,318 |
| Average earning assets | $496,257,800 | 1,316 |
| Average equity | $47,336,600 | 1,586 |
| Average total loans | $213,343,200 | 2,052 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4414% | 4,904 |
| Cost of funding earning assets | 0.2369% | 4,680 |
| Net interest margin | 3.2045% | 4,438 |
| Noninterest income to average assets | 1.2935% | 637 |
| Noninterest expense to average assets | 3.3948% | 1,167 |
| Loan and lease loss provision to assets | 0.0338% | 3,445 |
| Net operating income to assets | 0.8361% | 3,351 |
| Return on assets (ROA) | 0.8316% | 3,415 |
| Pretax return on assets | 0.8316% | 4,267 |
| Return on Equity (ROE) | 9.4015% | 2,400 |
| Retained earnings to average equity (ytd only) | 2.2201% | 4,529 |
| Net charge-offs to loans | -0.0144% | 4,750 |
| Credit loss provision to net charge-offs | -586.9565% | 4,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6018% | 1,155 |
| Assets per employee ($millions) | 4.1687% | 3,706 |
| Cash dividends to net income (ytd only)* | 76.3855% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3724% | 2,009 |
| Loan loss allowance to noncurrent loans | 3,424.7059% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 5,182 |
| Noncurrent loans to loans | 0.0401% | 4,935 |
| Net loans and leases to total assets | 36.8999% | 5,312 |
| Net loans and leases to deposits | 40.4337% | 5,412 |
| Net loans and leases to core deposits | 42.8361% | 5,396 |
| Total domestic deposits to total assets | 91.2603% | 133 |
| Equity capital to assets | 8.5499% | 5,257 |
| Core capital (leverage) ratio | 8.9536% | 4,794 |
| Tier 1 risk-based capital ratio | 17.1216% | 2,125 |
| Total risk-based capital ratio | 18.2114% | 2,123 |
| Memoranda: | ||
| Average total assets | $532,296,500 | 1,331 |
| Average earning assets | $493,539,500 | 1,328 |
| Average equity | $47,083,750 | 1,609 |
| Average total loans | $213,593,250 | 2,060 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4687% | 4,839 |
| Cost of funding earning assets | 0.2379% | 4,655 |
| Net interest margin | 3.2308% | 4,325 |
| Noninterest income to average assets | 1.3369% | 593 |
| Noninterest expense to average assets | 3.4850% | 1,035 |
| Loan and lease loss provision to assets | 0.0346% | 3,300 |
| Net operating income to assets | 0.8061% | 3,369 |
| Return on assets (ROA) | 0.8061% | 3,424 |
| Pretax return on assets | 0.8061% | 4,245 |
| Return on Equity (ROE) | 9.0046% | 2,505 |
| Retained earnings to average equity (ytd only) | 0.7465% | 4,906 |
| Net charge-offs to loans | -0.0187% | 4,761 |
| Credit loss provision to net charge-offs | -450.0000% | 4,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5647% | 1,154 |
| Assets per employee ($millions) | 3.8699% | 4,171 |
| Cash dividends to net income (ytd only)* | 91.7103% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3557% | 2,146 |
| Loan loss allowance to noncurrent loans | 433.1316% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.1247% | 4,691 |
| Noncurrent loans to loans | 0.3130% | 3,917 |
| Net loans and leases to total assets | 39.2918% | 5,247 |
| Net loans and leases to deposits | 43.2983% | 5,356 |
| Net loans and leases to core deposits | 45.9223% | 5,342 |
| Total domestic deposits to total assets | 90.7468% | 281 |
| Equity capital to assets | 9.0714% | 4,830 |
| Core capital (leverage) ratio | 9.3987% | 4,234 |
| Tier 1 risk-based capital ratio | 17.3858% | 2,044 |
| Total risk-based capital ratio | 18.4892% | 2,031 |
| Memoranda: | ||
| Average total assets | $520,748,000 | 1,365 |
| Average earning assets | $481,732,330 | 1,365 |
| Average equity | $46,620,670 | 1,623 |
| Average total loans | $214,087,000 | 2,056 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4904% | 4,719 |
| Cost of funding earning assets | 0.2371% | 4,661 |
| Net interest margin | 3.2533% | 4,158 |
| Noninterest income to average assets | 1.1340% | 781 |
| Noninterest expense to average assets | 3.5664% | 949 |
| Loan and lease loss provision to assets | 0.0349% | 3,086 |
| Net operating income to assets | 0.5426% | 4,413 |
| Return on assets (ROA) | 0.5426% | 4,455 |
| Pretax return on assets | 0.5426% | 4,858 |
| Return on Equity (ROE) | 6.1023% | 3,861 |
| Retained earnings to average equity (ytd only) | -5.3526% | 5,405 |
| Net charge-offs to loans | -0.0315% | 4,955 |
| Credit loss provision to net charge-offs | -264.7059% | 4,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0643% | 801 |
| Assets per employee ($millions) | 3.6733% | 4,549 |
| Cash dividends to net income (ytd only)* | 187.7143% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3267% | 2,405 |
| Loan loss allowance to noncurrent loans | 3,311.7647% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.4262% | 3,480 |
| Noncurrent loans to loans | 0.0401% | 5,036 |
| Net loans and leases to total assets | 40.7115% | 5,219 |
| Net loans and leases to deposits | 44.7685% | 5,344 |
| Net loans and leases to core deposits | 47.5087% | 5,320 |
| Total domestic deposits to total assets | 90.9377% | 319 |
| Equity capital to assets | 8.9308% | 4,873 |
| Core capital (leverage) ratio | 9.4003% | 4,233 |
| Tier 1 risk-based capital ratio | 17.0801% | 2,162 |
| Total risk-based capital ratio | 18.1647% | 2,170 |
| Memoranda: | ||
| Average total assets | $516,036,000 | 1,376 |
| Average earning assets | $477,428,500 | 1,384 |
| Average equity | $45,884,000 | 1,649 |
| Average total loans | $215,542,000 | 2,055 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5605% | 4,612 |
| Cost of funding earning assets | 0.2429% | 4,628 |
| Net interest margin | 3.3176% | 4,093 |
| Noninterest income to average assets | 1.3581% | 622 |
| Noninterest expense to average assets | 3.5505% | 1,084 |
| Loan and lease loss provision to assets | 0.0329% | 3,698 |
| Net operating income to assets | 0.8408% | 3,105 |
| Return on assets (ROA) | 0.8567% | 3,151 |
| Pretax return on assets | 0.8567% | 3,989 |
| Return on Equity (ROE) | 9.0789% | 2,381 |
| Retained earnings to average equity (ytd only) | 4.3940% | 2,785 |
| Net charge-offs to loans | 0.0899% | 2,411 |
| Credit loss provision to net charge-offs | 84.5771% | 2,903 |
| Earnings coverage of net charge-offs (x) | 22.4776% | 1,732 |
| Efficiency ratio | 80.2518% | 1,393 |
| Assets per employee ($millions) | 3.8074% | 4,294 |
| Cash dividends to net income (ytd only)* | 51.6027% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2576% | 2,773 |
| Loan loss allowance to noncurrent loans | 163.0924% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.4166% | 3,601 |
| Noncurrent loans to loans | 0.7711% | 2,598 |
| Net loans and leases to total assets | 41.7436% | 5,242 |
| Net loans and leases to deposits | 45.9416% | 5,367 |
| Net loans and leases to core deposits | 48.7530% | 5,345 |
| Total domestic deposits to total assets | 90.8623% | 322 |
| Equity capital to assets | 8.8527% | 4,966 |
| Core capital (leverage) ratio | 9.2721% | 4,379 |
| Tier 1 risk-based capital ratio | 17.3584% | 2,041 |
| Total risk-based capital ratio | 18.4245% | 2,062 |
| Memoranda: | ||
| Average total assets | $517,110,000 | 1,326 |
| Average earning assets | $477,912,600 | 1,328 |
| Average equity | $48,794,200 | 1,558 |
| Average total loans | $223,525,200 | 1,955 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5842% | 4,595 |
| Cost of funding earning assets | 0.2415% | 4,686 |
| Net interest margin | 3.3427% | 4,049 |
| Noninterest income to average assets | 1.3448% | 651 |
| Noninterest expense to average assets | 3.4995% | 1,150 |
| Loan and lease loss provision to assets | 0.0322% | 3,589 |
| Net operating income to assets | 0.8981% | 2,916 |
| Return on assets (ROA) | 0.9146% | 2,960 |
| Pretax return on assets | 0.9146% | 3,926 |
| Return on Equity (ROE) | 9.5450% | 2,250 |
| Retained earnings to average equity (ytd only) | 3.3916% | 3,867 |
| Net charge-offs to loans | -0.0131% | 4,870 |
| Credit loss provision to net charge-offs | -568.1818% | 5,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9985% | 1,557 |
| Assets per employee ($millions) | 3.9041% | 4,120 |
| Cash dividends to net income (ytd only)* | 64.4669% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3325% | 2,523 |
| Loan loss allowance to noncurrent loans | 174.6722% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.4096% | 3,787 |
| Noncurrent loans to loans | 0.7629% | 2,766 |
| Net loans and leases to total assets | 40.5763% | 5,350 |
| Net loans and leases to deposits | 44.9445% | 5,486 |
| Net loans and leases to core deposits | 47.5770% | 5,463 |
| Total domestic deposits to total assets | 90.2808% | 378 |
| Equity capital to assets | 9.5465% | 4,615 |
| Core capital (leverage) ratio | 9.7241% | 3,909 |
| Tier 1 risk-based capital ratio | 16.9013% | 2,258 |
| Total risk-based capital ratio | 18.0221% | 2,260 |
| Memoranda: | ||
| Average total assets | $516,935,250 | 1,330 |
| Average earning assets | $477,081,500 | 1,329 |
| Average equity | $49,532,750 | 1,536 |
| Average total loans | $224,680,250 | 1,953 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6238% | 4,524 |
| Cost of funding earning assets | 0.2418% | 4,736 |
| Net interest margin | 3.3820% | 3,963 |
| Noninterest income to average assets | 1.2377% | 741 |
| Noninterest expense to average assets | 3.6061% | 1,001 |
| Loan and lease loss provision to assets | 0.0313% | 3,502 |
| Net operating income to assets | 0.7206% | 3,695 |
| Return on assets (ROA) | 0.7457% | 3,725 |
| Pretax return on assets | 0.7457% | 4,470 |
| Return on Equity (ROE) | 7.7718% | 3,108 |
| Retained earnings to average equity (ytd only) | 0.7792% | 5,069 |
| Net charge-offs to loans | 0.0027% | 3,615 |
| Credit loss provision to net charge-offs | 2,666.6667% | 168 |
| Earnings coverage of net charge-offs (x) | 640.3333% | 93 |
| Efficiency ratio | 82.7465% | 1,178 |
| Assets per employee ($millions) | 3.8012% | 4,264 |
| Cash dividends to net income (ytd only)* | 89.9738% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2673% | 2,974 |
| Loan loss allowance to noncurrent loans | 162.1530% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.4503% | 3,712 |
| Noncurrent loans to loans | 0.7815% | 2,795 |
| Net loans and leases to total assets | 42.8170% | 5,298 |
| Net loans and leases to deposits | 47.5847% | 5,437 |
| Net loans and leases to core deposits | 50.5617% | 5,411 |
| Total domestic deposits to total assets | 89.9806% | 496 |
| Equity capital to assets | 9.8216% | 4,419 |
| Core capital (leverage) ratio | 9.2563% | 4,510 |
| Tier 1 risk-based capital ratio | 16.2306% | 2,536 |
| Total risk-based capital ratio | 17.3076% | 2,557 |
| Memoranda: | ||
| Average total assets | $510,961,330 | 1,352 |
| Average earning assets | $471,440,670 | 1,350 |
| Average equity | $49,023,670 | 1,551 |
| Average total loans | $226,255,000 | 1,943 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6352% | 4,518 |
| Cost of funding earning assets | 0.2450% | 4,752 |
| Net interest margin | 3.3902% | 3,904 |
| Noninterest income to average assets | 1.1833% | 783 |
| Noninterest expense to average assets | 3.6478% | 967 |
| Loan and lease loss provision to assets | 0.0277% | 3,299 |
| Net operating income to assets | 0.6355% | 4,037 |
| Return on assets (ROA) | 0.6647% | 4,026 |
| Pretax return on assets | 0.6647% | 4,639 |
| Return on Equity (ROE) | 7.0140% | 3,446 |
| Retained earnings to average equity (ytd only) | -2.5103% | 5,431 |
| Net charge-offs to loans | 0.0495% | 2,050 |
| Credit loss provision to net charge-offs | 125.0000% | 1,394 |
| Earnings coverage of net charge-offs (x) | 29.9643% | 1,184 |
| Efficiency ratio | 84.6168% | 1,101 |
| Assets per employee ($millions) | 3.6907% | 4,486 |
| Cash dividends to net income (ytd only)* | 135.7907% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2214% | 3,355 |
| Loan loss allowance to noncurrent loans | 163.1210% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.4835% | 3,665 |
| Noncurrent loans to loans | 0.7488% | 2,963 |
| Net loans and leases to total assets | 44.9684% | 5,191 |
| Net loans and leases to deposits | 49.9197% | 5,342 |
| Net loans and leases to core deposits | 53.0664% | 5,307 |
| Total domestic deposits to total assets | 90.0815% | 569 |
| Equity capital to assets | 9.7527% | 4,392 |
| Core capital (leverage) ratio | 9.2696% | 4,523 |
| Tier 1 risk-based capital ratio | 16.0735% | 2,645 |
| Total risk-based capital ratio | 17.1266% | 2,676 |
| Memoranda: | ||
| Average total assets | $506,058,000 | 1,367 |
| Average earning assets | $466,873,000 | 1,356 |
| Average equity | $47,961,500 | 1,578 |
| Average total loans | $226,463,000 | 1,942 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6665% | 4,468 |
| Cost of funding earning assets | 0.2696% | 4,588 |
| Net interest margin | 3.3969% | 3,929 |
| Noninterest income to average assets | 1.1618% | 879 |
| Noninterest expense to average assets | 3.5483% | 1,218 |
| Loan and lease loss provision to assets | 0.0241% | 3,902 |
| Net operating income to assets | 0.6979% | 3,824 |
| Return on assets (ROA) | 0.7132% | 3,860 |
| Pretax return on assets | 0.7132% | 4,492 |
| Return on Equity (ROE) | 7.4467% | 3,275 |
| Retained earnings to average equity (ytd only) | 1.5927% | 4,811 |
| Net charge-offs to loans | 0.3519% | 843 |
| Credit loss provision to net charge-offs | 15.3649% | 3,781 |
| Earnings coverage of net charge-offs (x) | 4.5941% | 3,521 |
| Efficiency ratio | 83.0914% | 1,264 |
| Assets per employee ($millions) | 3.7514% | 4,371 |
| Cash dividends to net income (ytd only)* | 78.6117% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2405% | 3,240 |
| Loan loss allowance to noncurrent loans | 159.4502% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.4967% | 3,646 |
| Noncurrent loans to loans | 0.7780% | 2,840 |
| Net loans and leases to total assets | 43.4431% | 5,312 |
| Net loans and leases to deposits | 47.9481% | 5,487 |
| Net loans and leases to core deposits | 50.8979% | 5,458 |
| Total domestic deposits to total assets | 90.6046% | 403 |
| Equity capital to assets | 9.2067% | 4,897 |
| Core capital (leverage) ratio | 8.9675% | 4,921 |
| Tier 1 risk-based capital ratio | 16.0190% | 2,678 |
| Total risk-based capital ratio | 17.0594% | 2,714 |
| Memoranda: | ||
| Average total assets | $496,907,200 | 1,356 |
| Average earning assets | $454,737,200 | 1,362 |
| Average equity | $47,591,800 | 1,556 |
| Average total loans | $221,961,000 | 1,912 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6739% | 4,510 |
| Cost of funding earning assets | 0.2722% | 4,639 |
| Net interest margin | 3.4017% | 3,955 |
| Noninterest income to average assets | 1.1386% | 924 |
| Noninterest expense to average assets | 3.5324% | 1,225 |
| Loan and lease loss provision to assets | 0.0243% | 3,788 |
| Net operating income to assets | 0.6910% | 3,942 |
| Return on assets (ROA) | 0.7115% | 3,954 |
| Pretax return on assets | 0.7115% | 4,648 |
| Return on Equity (ROE) | 7.3552% | 3,433 |
| Retained earnings to average equity (ytd only) | 0.9718% | 5,328 |
| Net charge-offs to loans | 0.4337% | 586 |
| Credit loss provision to net charge-offs | 12.5000% | 3,426 |
| Earnings coverage of net charge-offs (x) | 3.6778% | 3,470 |
| Efficiency ratio | 83.1606% | 1,244 |
| Assets per employee ($millions) | 3.7747% | 4,312 |
| Cash dividends to net income (ytd only)* | 86.7881% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 3,357 |
| Loan loss allowance to noncurrent loans | 160.1594% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.5059% | 3,808 |
| Noncurrent loans to loans | 0.7814% | 3,010 |
| Net loans and leases to total assets | 42.9364% | 5,428 |
| Net loans and leases to deposits | 47.4319% | 5,598 |
| Net loans and leases to core deposits | 50.3080% | 5,568 |
| Total domestic deposits to total assets | 90.5221% | 380 |
| Equity capital to assets | 9.2915% | 5,013 |
| Core capital (leverage) ratio | 9.0674% | 4,918 |
| Tier 1 risk-based capital ratio | 16.0405% | 2,776 |
| Total risk-based capital ratio | 17.1145% | 2,801 |
| Memoranda: | ||
| Average total assets | $493,588,000 | 1,371 |
| Average earning assets | $451,132,500 | 1,381 |
| Average equity | $47,747,000 | 1,563 |
| Average total loans | $221,345,250 | 1,922 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7384% | 4,285 |
| Cost of funding earning assets | 0.2781% | 4,632 |
| Net interest margin | 3.4603% | 3,661 |
| Noninterest income to average assets | 1.0932% | 1,008 |
| Noninterest expense to average assets | 3.6015% | 1,124 |
| Loan and lease loss provision to assets | 0.0247% | 3,641 |
| Net operating income to assets | 0.6279% | 4,226 |
| Return on assets (ROA) | 0.6592% | 4,181 |
| Pretax return on assets | 0.6592% | 4,794 |
| Return on Equity (ROE) | 6.7203% | 3,775 |
| Retained earnings to average equity (ytd only) | -0.4827% | 5,602 |
| Net charge-offs to loans | 0.6286% | 369 |
| Credit loss provision to net charge-offs | 8.6705% | 3,111 |
| Earnings coverage of net charge-offs (x) | 2.2905% | 3,371 |
| Efficiency ratio | 84.6593% | 1,196 |
| Assets per employee ($millions) | 3.5966% | 4,633 |
| Cash dividends to net income (ytd only)* | 107.1830% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2412% | 3,558 |
| Loan loss allowance to noncurrent loans | 162.4134% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.5444% | 3,799 |
| Noncurrent loans to loans | 0.7642% | 3,204 |
| Net loans and leases to total assets | 45.7609% | 5,269 |
| Net loans and leases to deposits | 50.7229% | 5,465 |
| Net loans and leases to core deposits | 53.7372% | 5,439 |
| Total domestic deposits to total assets | 90.2174% | 571 |
| Equity capital to assets | 9.5676% | 4,572 |
| Core capital (leverage) ratio | 9.4923% | 4,295 |
| Tier 1 risk-based capital ratio | 15.8125% | 2,948 |
| Total risk-based capital ratio | 16.8819% | 2,985 |
| Memoranda: | ||
| Average total assets | $485,740,670 | 1,400 |
| Average earning assets | $443,724,670 | 1,412 |
| Average equity | $47,646,330 | 1,573 |
| Average total loans | $220,176,670 | 1,941 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7132% | 4,317 |
| Cost of funding earning assets | 0.2828% | 4,634 |
| Net interest margin | 3.4304% | 3,713 |
| Noninterest income to average assets | 1.0090% | 1,100 |
| Noninterest expense to average assets | 3.6757% | 1,032 |
| Loan and lease loss provision to assets | 0.0248% | 3,377 |
| Net operating income to assets | 0.4462% | 4,891 |
| Return on assets (ROA) | 0.5090% | 4,757 |
| Pretax return on assets | 0.5090% | 5,157 |
| Return on Equity (ROE) | 5.1258% | 4,464 |
| Retained earnings to average equity (ytd only) | -4.3852% | 5,889 |
| Net charge-offs to loans | 0.1604% | 1,309 |
| Credit loss provision to net charge-offs | 34.4828% | 2,232 |
| Earnings coverage of net charge-offs (x) | 6.5517% | 2,273 |
| Efficiency ratio | 88.6409% | 964 |
| Assets per employee ($millions) | 3.4134% | 5,060 |
| Cash dividends to net income (ytd only)* | 185.5519% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5547% | 2,215 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.3945% | 4,452 |
| Noncurrent loans to loans | 0.3887% | 4,426 |
| Net loans and leases to total assets | 44.8928% | 5,278 |
| Net loans and leases to deposits | 50.0287% | 5,458 |
| Net loans and leases to core deposits | 53.1788% | 5,413 |
| Total domestic deposits to total assets | 89.7341% | 882 |
| Equity capital to assets | 10.0604% | 4,077 |
| Core capital (leverage) ratio | 9.4667% | 4,328 |
| Tier 1 risk-based capital ratio | 16.4360% | 2,716 |
| Total risk-based capital ratio | 17.6868% | 2,654 |
| Memoranda: | ||
| Average total assets | $484,045,000 | 1,412 |
| Average earning assets | $442,746,500 | 1,419 |
| Average equity | $48,070,500 | 1,567 |
| Average total loans | $216,943,000 | 1,963 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7105% | 4,752 |
| Cost of funding earning assets | 0.3157% | 4,629 |
| Net interest margin | 3.3948% | 4,218 |
| Noninterest income to average assets | 1.1283% | 956 |
| Noninterest expense to average assets | 3.4895% | 1,510 |
| Loan and lease loss provision to assets | 0.0247% | 4,109 |
| Net operating income to assets | 0.7135% | 3,822 |
| Return on assets (ROA) | 0.7077% | 3,968 |
| Pretax return on assets | 0.7077% | 4,594 |
| Return on Equity (ROE) | 7.3366% | 3,450 |
| Retained earnings to average equity (ytd only) | 2.4654% | 4,473 |
| Net charge-offs to loans | -0.0005% | 5,320 |
| Credit loss provision to net charge-offs | -12,000.0000% | 6,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5400% | 1,595 |
| Assets per employee ($millions) | 3.5782% | 4,761 |
| Cash dividends to net income (ytd only)* | 66.3956% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5951% | 2,111 |
| Loan loss allowance to noncurrent loans | 124.9094% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.7913% | 3,229 |
| Noncurrent loans to loans | 1.2770% | 2,321 |
| Net loans and leases to total assets | 43.3528% | 5,506 |
| Net loans and leases to deposits | 48.1964% | 5,676 |
| Net loans and leases to core deposits | 51.1361% | 5,655 |
| Total domestic deposits to total assets | 89.9502% | 753 |
| Equity capital to assets | 9.8048% | 4,348 |
| Core capital (leverage) ratio | 9.0464% | 4,912 |
| Tier 1 risk-based capital ratio | 16.7188% | 2,635 |
| Total risk-based capital ratio | 17.9699% | 2,584 |
| Memoranda: | ||
| Average total assets | $486,485,600 | 1,365 |
| Average earning assets | $444,149,800 | 1,376 |
| Average equity | $46,929,000 | 1,539 |
| Average total loans | $215,190,400 | 1,934 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6917% | 4,885 |
| Cost of funding earning assets | 0.3189% | 4,684 |
| Net interest margin | 3.3728% | 4,341 |
| Noninterest income to average assets | 1.1514% | 899 |
| Noninterest expense to average assets | 3.4846% | 1,493 |
| Loan and lease loss provision to assets | 0.0247% | 3,914 |
| Net operating income to assets | 0.7172% | 3,855 |
| Return on assets (ROA) | 0.7104% | 3,993 |
| Pretax return on assets | 0.7104% | 4,671 |
| Return on Equity (ROE) | 7.3947% | 3,499 |
| Retained earnings to average equity (ytd only) | 0.8604% | 5,538 |
| Net charge-offs to loans | -0.0012% | 5,165 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4454% | 1,557 |
| Assets per employee ($millions) | 3.7056% | 4,479 |
| Cash dividends to net income (ytd only)* | 88.3647% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5395% | 2,550 |
| Loan loss allowance to noncurrent loans | 129.6887% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.7602% | 3,534 |
| Noncurrent loans to loans | 1.1871% | 2,682 |
| Net loans and leases to total assets | 43.3501% | 5,572 |
| Net loans and leases to deposits | 48.2471% | 5,752 |
| Net loans and leases to core deposits | 51.0504% | 5,742 |
| Total domestic deposits to total assets | 89.8503% | 804 |
| Equity capital to assets | 9.3405% | 4,991 |
| Core capital (leverage) ratio | 9.0766% | 4,962 |
| Tier 1 risk-based capital ratio | 15.8834% | 3,110 |
| Total risk-based capital ratio | 17.1340% | 3,058 |
| Memoranda: | ||
| Average total assets | $485,552,500 | 1,385 |
| Average earning assets | $442,711,250 | 1,397 |
| Average equity | $46,645,000 | 1,549 |
| Average total loans | $214,996,000 | 1,950 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6830% | 4,914 |
| Cost of funding earning assets | 0.3235% | 4,718 |
| Net interest margin | 3.3594% | 4,352 |
| Noninterest income to average assets | 1.1451% | 901 |
| Noninterest expense to average assets | 3.5310% | 1,421 |
| Loan and lease loss provision to assets | 0.0250% | 3,782 |
| Net operating income to assets | 0.6516% | 4,088 |
| Return on assets (ROA) | 0.6412% | 4,248 |
| Pretax return on assets | 0.6412% | 4,813 |
| Return on Equity (ROE) | 6.6104% | 3,829 |
| Retained earnings to average equity (ytd only) | -0.7613% | 5,816 |
| Net charge-offs to loans | -0.0019% | 5,056 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9183% | 1,526 |
| Assets per employee ($millions) | 3.4549% | 4,932 |
| Cash dividends to net income (ytd only)* | 111.5159% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5605% | 2,623 |
| Loan loss allowance to noncurrent loans | 134.5787% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.7880% | 3,599 |
| Noncurrent loans to loans | 1.1596% | 2,906 |
| Net loans and leases to total assets | 44.7985% | 5,475 |
| Net loans and leases to deposits | 50.2098% | 5,622 |
| Net loans and leases to core deposits | 53.3775% | 5,592 |
| Total domestic deposits to total assets | 89.2226% | 1,235 |
| Equity capital to assets | 9.8929% | 4,255 |
| Core capital (leverage) ratio | 9.1884% | 4,761 |
| Tier 1 risk-based capital ratio | 16.2415% | 2,963 |
| Total risk-based capital ratio | 17.4925% | 2,909 |
| Memoranda: | ||
| Average total assets | $479,415,330 | 1,397 |
| Average earning assets | $437,040,670 | 1,408 |
| Average equity | $46,502,330 | 1,542 |
| Average total loans | $212,699,670 | 1,963 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5571% | 5,280 |
| Cost of funding earning assets | 0.3243% | 4,802 |
| Net interest margin | 3.2328% | 4,810 |
| Noninterest income to average assets | 1.0392% | 1,041 |
| Noninterest expense to average assets | 3.6319% | 1,248 |
| Loan and lease loss provision to assets | 0.0250% | 3,508 |
| Net operating income to assets | 0.3353% | 5,374 |
| Return on assets (ROA) | 0.3353% | 5,424 |
| Pretax return on assets | 0.3353% | 5,633 |
| Return on Equity (ROE) | 3.4914% | 5,273 |
| Retained earnings to average equity (ytd only) | -6.4024% | 6,201 |
| Net charge-offs to loans | 0.1045% | 2,134 |
| Credit loss provision to net charge-offs | 54.5455% | 2,161 |
| Earnings coverage of net charge-offs (x) | 7.8727% | 2,078 |
| Efficiency ratio | 90.9754% | 954 |
| Assets per employee ($millions) | 3.4485% | 5,035 |
| Cash dividends to net income (ytd only)* | 283.3747% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5702% | 2,833 |
| Loan loss allowance to noncurrent loans | 132.1185% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.7938% | 3,757 |
| Noncurrent loans to loans | 1.1885% | 3,058 |
| Net loans and leases to total assets | 43.1440% | 5,583 |
| Net loans and leases to deposits | 48.2315% | 5,716 |
| Net loans and leases to core deposits | 51.2820% | 5,671 |
| Total domestic deposits to total assets | 89.4519% | 1,394 |
| Equity capital to assets | 9.5884% | 4,372 |
| Core capital (leverage) ratio | 9.1182% | 4,841 |
| Tier 1 risk-based capital ratio | 16.3590% | 2,972 |
| Total risk-based capital ratio | 17.6100% | 2,939 |
| Memoranda: | ||
| Average total assets | $480,734,500 | 1,402 |
| Average earning assets | $439,125,000 | 1,404 |
| Average equity | $46,170,000 | 1,552 |
| Average total loans | $210,562,000 | 1,975 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5725% | 5,478 |
| Cost of funding earning assets | 0.3852% | 4,797 |
| Net interest margin | 3.1872% | 5,043 |
| Noninterest income to average assets | 1.5656% | 585 |
| Noninterest expense to average assets | 3.7154% | 1,264 |
| Loan and lease loss provision to assets | 0.0361% | 4,399 |
| Net operating income to assets | 0.7149% | 3,723 |
| Return on assets (ROA) | 0.7115% | 3,827 |
| Pretax return on assets | 0.7115% | 4,497 |
| Return on Equity (ROE) | 7.2101% | 3,449 |
| Retained earnings to average equity (ytd only) | 2.2713% | 4,629 |
| Net charge-offs to loans | -0.0167% | 6,105 |
| Credit loss provision to net charge-offs | -482.8571% | 6,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1858% | 1,725 |
| Assets per employee ($millions) | 3.4686% | 4,961 |
| Cash dividends to net income (ytd only)* | 68.4985% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5752% | 2,857 |
| Loan loss allowance to noncurrent loans | 485.2555% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.4472% | 4,901 |
| Noncurrent loans to loans | 0.3246% | 5,211 |
| Net loans and leases to total assets | 43.0786% | 5,752 |
| Net loans and leases to deposits | 48.1277% | 5,889 |
| Net loans and leases to core deposits | 51.1521% | 5,864 |
| Total domestic deposits to total assets | 89.5091% | 1,329 |
| Equity capital to assets | 9.6196% | 4,260 |
| Core capital (leverage) ratio | 8.9386% | 5,097 |
| Tier 1 risk-based capital ratio | 16.8942% | 2,659 |
| Total risk-based capital ratio | 18.1419% | 2,625 |
| Memoranda: | ||
| Average total assets | $468,049,000 | 1,412 |
| Average earning assets | $425,979,400 | 1,433 |
| Average equity | $46,185,000 | 1,517 |
| Average total loans | $209,845,800 | 1,928 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5177% | 5,644 |
| Cost of funding earning assets | 0.3969% | 4,839 |
| Net interest margin | 3.1209% | 5,263 |
| Noninterest income to average assets | 1.6633% | 540 |
| Noninterest expense to average assets | 3.7609% | 1,142 |
| Loan and lease loss provision to assets | 0.0485% | 4,043 |
| Net operating income to assets | 0.6911% | 3,905 |
| Return on assets (ROA) | 0.6911% | 4,039 |
| Pretax return on assets | 0.6911% | 4,717 |
| Return on Equity (ROE) | 6.9589% | 3,671 |
| Retained earnings to average equity (ytd only) | 0.3699% | 5,818 |
| Net charge-offs to loans | -0.0210% | 6,052 |
| Credit loss provision to net charge-offs | -512.1212% | 6,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5651% | 1,651 |
| Assets per employee ($millions) | 3.6921% | 4,468 |
| Cash dividends to net income (ytd only)* | 94.6842% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5428% | 3,264 |
| Loan loss allowance to noncurrent loans | 474.5714% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.4425% | 5,100 |
| Noncurrent loans to loans | 0.3251% | 5,411 |
| Net loans and leases to total assets | 41.3103% | 5,949 |
| Net loans and leases to deposits | 45.7941% | 6,117 |
| Net loans and leases to core deposits | 48.6733% | 6,089 |
| Total domestic deposits to total assets | 90.2089% | 890 |
| Equity capital to assets | 8.9717% | 5,220 |
| Core capital (leverage) ratio | 8.9177% | 5,241 |
| Tier 1 risk-based capital ratio | 16.7175% | 2,853 |
| Total risk-based capital ratio | 17.9688% | 2,800 |
| Memoranda: | ||
| Average total assets | $464,528,750 | 1,430 |
| Average earning assets | $422,310,000 | 1,451 |
| Average equity | $46,136,500 | 1,530 |
| Average total loans | $209,552,500 | 1,936 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6452% | 5,304 |
| Cost of funding earning assets | 0.4168% | 4,785 |
| Net interest margin | 3.2284% | 4,842 |
| Noninterest income to average assets | 1.7484% | 547 |
| Noninterest expense to average assets | 3.9317% | 941 |
| Loan and lease loss provision to assets | 0.0504% | 3,978 |
| Net operating income to assets | 0.6928% | 3,843 |
| Return on assets (ROA) | 0.6928% | 4,010 |
| Pretax return on assets | 0.6928% | 4,703 |
| Return on Equity (ROE) | 6.7277% | 3,754 |
| Retained earnings to average equity (ytd only) | -0.6845% | 5,990 |
| Net charge-offs to loans | -0.0299% | 6,101 |
| Credit loss provision to net charge-offs | -364.5161% | 5,847 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1015% | 1,622 |
| Assets per employee ($millions) | 3.2437% | 5,385 |
| Cash dividends to net income (ytd only)* | 110.1739% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5444% | 3,391 |
| Loan loss allowance to noncurrent loans | 497.5610% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.5614% | 4,845 |
| Noncurrent loans to loans | 0.3104% | 5,520 |
| Net loans and leases to total assets | 46.4831% | 5,482 |
| Net loans and leases to deposits | 52.2796% | 5,666 |
| Net loans and leases to core deposits | 56.2192% | 5,579 |
| Total domestic deposits to total assets | 88.9124% | 1,675 |
| Equity capital to assets | 10.1636% | 3,710 |
| Core capital (leverage) ratio | 10.0302% | 3,468 |
| Tier 1 risk-based capital ratio | 17.0939% | 2,680 |
| Total risk-based capital ratio | 18.3455% | 2,650 |
| Memoranda: | ||
| Average total assets | $448,304,670 | 1,480 |
| Average earning assets | $406,393,330 | 1,497 |
| Average equity | $46,167,670 | 1,534 |
| Average total loans | $207,627,670 | 1,957 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6640% | 5,271 |
| Cost of funding earning assets | 0.4475% | 4,622 |
| Net interest margin | 3.2164% | 4,863 |
| Noninterest income to average assets | 1.8590% | 478 |
| Noninterest expense to average assets | 4.0139% | 871 |
| Loan and lease loss provision to assets | 0.0499% | 3,789 |
| Net operating income to assets | 0.7106% | 3,637 |
| Return on assets (ROA) | 0.7106% | 3,774 |
| Pretax return on assets | 0.7106% | 4,535 |
| Return on Equity (ROE) | 6.8554% | 3,568 |
| Retained earnings to average equity (ytd only) | -2.9503% | 6,185 |
| Net charge-offs to loans | -0.0719% | 6,291 |
| Credit loss provision to net charge-offs | -151.3514% | 5,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0710% | 1,759 |
| Assets per employee ($millions) | 3.1260% | 5,776 |
| Cash dividends to net income (ytd only)* | 143.0364% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5513% | 3,610 |
| Loan loss allowance to noncurrent loans | 422.7632% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.6281% | 4,814 |
| Noncurrent loans to loans | 0.3670% | 5,484 |
| Net loans and leases to total assets | 46.9259% | 5,336 |
| Net loans and leases to deposits | 53.0439% | 5,518 |
| Net loans and leases to core deposits | 57.5475% | 5,379 |
| Total domestic deposits to total assets | 88.4663% | 2,030 |
| Equity capital to assets | 10.6387% | 3,392 |
| Core capital (leverage) ratio | 9.6874% | 3,813 |
| Tier 1 risk-based capital ratio | 17.2380% | 2,663 |
| Total risk-based capital ratio | 18.4894% | 2,632 |
| Memoranda: | ||
| Average total assets | $448,639,000 | 1,495 |
| Average earning assets | $406,664,500 | 1,509 |
| Average equity | $46,503,500 | 1,541 |
| Average total loans | $205,772,000 | 1,979 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0675% | 5,067 |
| Cost of funding earning assets | 0.5103% | 5,145 |
| Net interest margin | 3.5572% | 4,278 |
| Noninterest income to average assets | 1.5155% | 683 |
| Noninterest expense to average assets | 3.8136% | 1,231 |
| Loan and lease loss provision to assets | 0.0495% | 5,200 |
| Net operating income to assets | 0.8989% | 2,824 |
| Return on assets (ROA) | 1.0627% | 2,265 |
| Pretax return on assets | 1.0627% | 3,304 |
| Return on Equity (ROE) | 10.5369% | 1,957 |
| Retained earnings to average equity (ytd only) | 5.5706% | 2,336 |
| Net charge-offs to loans | 0.3470% | 2,901 |
| Credit loss provision to net charge-offs | 30.6122% | 5,103 |
| Earnings coverage of net charge-offs (x) | 5.8653% | 2,930 |
| Efficiency ratio | 80.0850% | 2,131 |
| Assets per employee ($millions) | 3.3534% | 5,320 |
| Cash dividends to net income (ytd only)* | 47.1331% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5262% | 3,643 |
| Loan loss allowance to noncurrent loans | 375.9036% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.6126% | 4,942 |
| Noncurrent loans to loans | 0.4060% | 5,471 |
| Net loans and leases to total assets | 43.5020% | 5,861 |
| Net loans and leases to deposits | 49.5332% | 5,988 |
| Net loans and leases to core deposits | 53.8526% | 5,883 |
| Total domestic deposits to total assets | 87.8238% | 2,330 |
| Equity capital to assets | 10.1089% | 4,026 |
| Core capital (leverage) ratio | 9.2939% | 4,428 |
| Tier 1 risk-based capital ratio | 17.6177% | 2,409 |
| Total risk-based capital ratio | 18.8690% | 2,375 |
| Memoranda: | ||
| Average total assets | $454,578,400 | 1,444 |
| Average earning assets | $414,871,400 | 1,454 |
| Average equity | $45,848,200 | 1,517 |
| Average total loans | $211,804,800 | 1,905 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1611% | 4,945 |
| Cost of funding earning assets | 0.5214% | 5,299 |
| Net interest margin | 3.6397% | 4,060 |
| Noninterest income to average assets | 1.4841% | 679 |
| Noninterest expense to average assets | 3.7801% | 1,246 |
| Loan and lease loss provision to assets | 0.0554% | 5,046 |
| Net operating income to assets | 0.9723% | 2,647 |
| Return on assets (ROA) | 1.0032% | 2,716 |
| Pretax return on assets | 1.0032% | 3,694 |
| Return on Equity (ROE) | 9.9526% | 2,366 |
| Retained earnings to average equity (ytd only) | 3.2971% | 4,548 |
| Net charge-offs to loans | 0.3688% | 2,623 |
| Credit loss provision to net charge-offs | 31.8105% | 4,772 |
| Earnings coverage of net charge-offs (x) | 5.9019% | 2,898 |
| Efficiency ratio | 78.6248% | 2,297 |
| Assets per employee ($millions) | 3.3731% | 5,274 |
| Cash dividends to net income (ytd only)* | 66.8721% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5647% | 3,676 |
| Loan loss allowance to noncurrent loans | 414.7815% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.5921% | 5,191 |
| Noncurrent loans to loans | 0.3772% | 5,714 |
| Net loans and leases to total assets | 43.2980% | 6,019 |
| Net loans and leases to deposits | 49.0981% | 6,185 |
| Net loans and leases to core deposits | 53.3234% | 6,093 |
| Total domestic deposits to total assets | 88.1868% | 1,930 |
| Equity capital to assets | 9.8926% | 4,651 |
| Core capital (leverage) ratio | 9.1355% | 4,858 |
| Tier 1 risk-based capital ratio | 15.6747% | 3,441 |
| Total risk-based capital ratio | 16.9288% | 3,404 |
| Memoranda: | ||
| Average total assets | $452,530,500 | 1,469 |
| Average earning assets | $413,250,250 | 1,475 |
| Average equity | $45,615,000 | 1,538 |
| Average total loans | $213,647,500 | 1,922 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2739% | 4,668 |
| Cost of funding earning assets | 0.5415% | 5,363 |
| Net interest margin | 3.7324% | 3,674 |
| Noninterest income to average assets | 1.3970% | 737 |
| Noninterest expense to average assets | 3.8507% | 1,142 |
| Loan and lease loss provision to assets | 0.0671% | 4,792 |
| Net operating income to assets | 0.8866% | 2,974 |
| Return on assets (ROA) | 0.9336% | 3,010 |
| Pretax return on assets | 0.9336% | 3,950 |
| Return on Equity (ROE) | 9.2021% | 2,714 |
| Retained earnings to average equity (ytd only) | 1.6711% | 5,365 |
| Net charge-offs to loans | 0.1545% | 3,680 |
| Credit loss provision to net charge-offs | 89.8204% | 3,053 |
| Earnings coverage of net charge-offs (x) | 12.7665% | 1,848 |
| Efficiency ratio | 80.1490% | 2,147 |
| Assets per employee ($millions) | 3.3151% | 5,412 |
| Cash dividends to net income (ytd only)* | 81.8400% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6972% | 3,236 |
| Loan loss allowance to noncurrent loans | 181.3347% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.6960% | 5,042 |
| Noncurrent loans to loans | 0.9360% | 4,641 |
| Net loans and leases to total assets | 46.0887% | 5,816 |
| Net loans and leases to deposits | 52.3738% | 6,002 |
| Net loans and leases to core deposits | 59.0318% | 5,689 |
| Total domestic deposits to total assets | 87.9995% | 2,145 |
| Equity capital to assets | 10.0165% | 4,306 |
| Core capital (leverage) ratio | 9.1885% | 4,628 |
| Tier 1 risk-based capital ratio | 15.5198% | 3,426 |
| Total risk-based capital ratio | 16.7723% | 3,391 |
| Memoranda: | ||
| Average total assets | $447,089,000 | 1,494 |
| Average earning assets | $408,153,670 | 1,492 |
| Average equity | $45,359,330 | 1,538 |
| Average total loans | $216,119,330 | 1,890 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3355% | 4,587 |
| Cost of funding earning assets | 0.5677% | 5,375 |
| Net interest margin | 3.7677% | 3,531 |
| Noninterest income to average assets | 1.2860% | 855 |
| Noninterest expense to average assets | 3.9193% | 1,038 |
| Loan and lease loss provision to assets | 0.0676% | 4,565 |
| Net operating income to assets | 0.7404% | 3,672 |
| Return on assets (ROA) | 0.8441% | 3,427 |
| Pretax return on assets | 0.8441% | 4,250 |
| Return on Equity (ROE) | 8.2662% | 3,163 |
| Retained earnings to average equity (ytd only) | -1.7839% | 6,252 |
| Net charge-offs to loans | -0.0055% | 5,809 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9073% | 1,814 |
| Assets per employee ($millions) | 3.2768% | 5,613 |
| Cash dividends to net income (ytd only)* | 121.5812% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6765% | 3,441 |
| Loan loss allowance to noncurrent loans | 258.0376% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.5924% | 5,412 |
| Noncurrent loans to loans | 0.6497% | 5,342 |
| Net loans and leases to total assets | 48.7980% | 5,455 |
| Net loans and leases to deposits | 55.5535% | 5,655 |
| Net loans and leases to core deposits | 62.8190% | 5,243 |
| Total domestic deposits to total assets | 87.8397% | 2,429 |
| Equity capital to assets | 10.1685% | 3,889 |
| Core capital (leverage) ratio | 9.2560% | 4,437 |
| Tier 1 risk-based capital ratio | 15.3598% | 3,525 |
| Total risk-based capital ratio | 16.6127% | 3,483 |
| Memoranda: | ||
| Average total assets | $443,547,500 | 1,500 |
| Average earning assets | $405,125,000 | 1,500 |
| Average equity | $45,293,000 | 1,532 |
| Average total loans | $217,711,000 | 1,876 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4903% | 5,115 |
| Cost of funding earning assets | 0.7327% | 5,323 |
| Net interest margin | 3.7576% | 4,038 |
| Noninterest income to average assets | 1.0711% | 1,165 |
| Noninterest expense to average assets | 3.6726% | 1,588 |
| Loan and lease loss provision to assets | 0.0552% | 5,906 |
| Net operating income to assets | 0.7692% | 3,184 |
| Return on assets (ROA) | 0.9421% | 2,567 |
| Pretax return on assets | 0.9421% | 3,458 |
| Return on Equity (ROE) | 9.7618% | 2,139 |
| Retained earnings to average equity (ytd only) | 4.5639% | 2,929 |
| Net charge-offs to loans | 0.0646% | 5,656 |
| Credit loss provision to net charge-offs | 181.1594% | 1,429 |
| Earnings coverage of net charge-offs (x) | 27.0435% | 919 |
| Efficiency ratio | 81.6681% | 2,067 |
| Assets per employee ($millions) | 3.1759% | 5,754 |
| Cash dividends to net income (ytd only)* | 53.2474% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6943% | 3,226 |
| Loan loss allowance to noncurrent loans | 242.8094% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.5566% | 5,579 |
| Noncurrent loans to loans | 0.6978% | 5,304 |
| Net loans and leases to total assets | 47.7105% | 5,859 |
| Net loans and leases to deposits | 54.4073% | 6,031 |
| Net loans and leases to core deposits | 60.3124% | 5,821 |
| Total domestic deposits to total assets | 87.6914% | 2,340 |
| Equity capital to assets | 10.2549% | 3,841 |
| Core capital (leverage) ratio | 8.8427% | 5,031 |
| Tier 1 risk-based capital ratio | 15.4807% | 3,336 |
| Total risk-based capital ratio | 16.7334% | 3,294 |
| Memoranda: | ||
| Average total assets | $452,698,600 | 1,449 |
| Average earning assets | $412,733,000 | 1,447 |
| Average equity | $43,690,800 | 1,549 |
| Average total loans | $213,507,000 | 1,926 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5033% | 5,245 |
| Cost of funding earning assets | 0.7625% | 5,378 |
| Net interest margin | 3.7408% | 4,153 |
| Noninterest income to average assets | 1.0420% | 1,243 |
| Noninterest expense to average assets | 3.6869% | 1,522 |
| Loan and lease loss provision to assets | 0.0585% | 5,711 |
| Net operating income to assets | 0.7054% | 3,589 |
| Return on assets (ROA) | 0.9337% | 2,761 |
| Pretax return on assets | 0.9337% | 3,641 |
| Return on Equity (ROE) | 9.8237% | 2,264 |
| Retained earnings to average equity (ytd only) | 2.8301% | 4,660 |
| Net charge-offs to loans | 0.0419% | 5,565 |
| Credit loss provision to net charge-offs | 298.5075% | 965 |
| Earnings coverage of net charge-offs (x) | 38.9557% | 785 |
| Efficiency ratio | 82.8357% | 1,866 |
| Assets per employee ($millions) | 3.3820% | 5,293 |
| Cash dividends to net income (ytd only)* | 71.1911% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7482% | 3,108 |
| Loan loss allowance to noncurrent loans | 132.5708% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.7922% | 5,189 |
| Noncurrent loans to loans | 1.3187% | 4,336 |
| Net loans and leases to total assets | 43.3370% | 6,396 |
| Net loans and leases to deposits | 48.8731% | 6,573 |
| Net loans and leases to core deposits | 55.2799% | 6,369 |
| Total domestic deposits to total assets | 88.6724% | 1,650 |
| Equity capital to assets | 9.4185% | 5,212 |
| Core capital (leverage) ratio | 8.4703% | 5,749 |
| Tier 1 risk-based capital ratio | 15.7869% | 3,227 |
| Total risk-based capital ratio | 17.0405% | 3,186 |
| Memoranda: | ||
| Average total assets | $455,509,250 | 1,454 |
| Average earning assets | $415,089,000 | 1,449 |
| Average equity | $43,295,750 | 1,564 |
| Average total loans | $213,321,000 | 1,938 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5873% | 5,020 |
| Cost of funding earning assets | 0.7939% | 5,414 |
| Net interest margin | 3.7934% | 3,813 |
| Noninterest income to average assets | 1.0585% | 1,171 |
| Noninterest expense to average assets | 3.7151% | 1,501 |
| Loan and lease loss provision to assets | 0.0556% | 5,623 |
| Net operating income to assets | 0.7359% | 3,360 |
| Return on assets (ROA) | 0.8938% | 2,772 |
| Pretax return on assets | 0.8938% | 3,637 |
| Return on Equity (ROE) | 9.3741% | 2,352 |
| Retained earnings to average equity (ytd only) | 1.4231% | 5,272 |
| Net charge-offs to loans | 0.0633% | 5,010 |
| Credit loss provision to net charge-offs | 183.8235% | 1,645 |
| Earnings coverage of net charge-offs (x) | 26.1618% | 1,023 |
| Efficiency ratio | 82.4366% | 2,038 |
| Assets per employee ($millions) | 3.1813% | 5,675 |
| Cash dividends to net income (ytd only)* | 84.8183% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6940% | 3,343 |
| Loan loss allowance to noncurrent loans | 129.2013% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.7989% | 5,295 |
| Noncurrent loans to loans | 1.3112% | 4,452 |
| Net loans and leases to total assets | 46.5795% | 6,205 |
| Net loans and leases to deposits | 52.8477% | 6,409 |
| Net loans and leases to core deposits | 59.5182% | 6,134 |
| Total domestic deposits to total assets | 88.1391% | 2,046 |
| Equity capital to assets | 9.8303% | 4,356 |
| Core capital (leverage) ratio | 9.0068% | 4,711 |
| Tier 1 risk-based capital ratio | 15.3666% | 3,317 |
| Total risk-based capital ratio | 16.6195% | 3,267 |
| Memoranda: | ||
| Average total assets | $449,521,330 | 1,482 |
| Average earning assets | $408,607,330 | 1,487 |
| Average equity | $42,863,000 | 1,559 |
| Average total loans | $214,814,670 | 1,950 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5940% | 4,973 |
| Cost of funding earning assets | 0.8135% | 5,508 |
| Net interest margin | 3.7805% | 3,704 |
| Noninterest income to average assets | 0.9495% | 1,475 |
| Noninterest expense to average assets | 3.7078% | 1,519 |
| Loan and lease loss provision to assets | 0.0337% | 5,553 |
| Net operating income to assets | 0.6493% | 3,754 |
| Return on assets (ROA) | 0.6493% | 3,832 |
| Pretax return on assets | 0.6493% | 4,490 |
| Return on Equity (ROE) | 6.9146% | 3,428 |
| Retained earnings to average equity (ytd only) | -3.7922% | 6,392 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4462% | 1,904 |
| Assets per employee ($millions) | 3.1442% | 5,847 |
| Cash dividends to net income (ytd only)* | 154.8431% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6508% | 3,521 |
| Loan loss allowance to noncurrent loans | 299.8314% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.5386% | 5,889 |
| Noncurrent loans to loans | 0.5506% | 5,922 |
| Net loans and leases to total assets | 47.7873% | 6,106 |
| Net loans and leases to deposits | 54.1058% | 6,286 |
| Net loans and leases to core deposits | 60.3059% | 6,070 |
| Total domestic deposits to total assets | 88.3220% | 2,182 |
| Equity capital to assets | 9.5404% | 4,381 |
| Core capital (leverage) ratio | 8.5406% | 5,368 |
| Tier 1 risk-based capital ratio | 14.8032% | 3,543 |
| Total risk-based capital ratio | 16.0559% | 3,506 |
| Memoranda: | ||
| Average total assets | $451,588,500 | 1,485 |
| Average earning assets | $411,059,500 | 1,488 |
| Average equity | $42,403,000 | 1,565 |
| Average total loans | $216,705,000 | 1,954 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1329% | 3,944 |
| Cost of funding earning assets | 0.8856% | 6,221 |
| Net interest margin | 4.2473% | 2,009 |
| Noninterest income to average assets | 1.4902% | 657 |
| Noninterest expense to average assets | 3.8296% | 1,431 |
| Loan and lease loss provision to assets | 0.1654% | 5,565 |
| Net operating income to assets | 1.3462% | 1,061 |
| Return on assets (ROA) | 1.4183% | 980 |
| Pretax return on assets | 1.4183% | 1,603 |
| Return on Equity (ROE) | 15.9892% | 583 |
| Retained earnings to average equity (ytd only) | 9.2713% | 645 |
| Net charge-offs to loans | 0.1004% | 5,859 |
| Credit loss provision to net charge-offs | 328.9474% | 784 |
| Earnings coverage of net charge-offs (x) | 30.0614% | 735 |
| Efficiency ratio | 71.6987% | 3,855 |
| Assets per employee ($millions) | 3.2613% | 5,512 |
| Cash dividends to net income (ytd only)* | 42.0152% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6138% | 3,524 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7985% | 5,413 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 46.6417% | 6,504 |
| Net loans and leases to deposits | 52.5843% | 6,705 |
| Net loans and leases to core deposits | 60.6590% | 6,342 |
| Total domestic deposits to total assets | 88.6989% | 1,822 |
| Equity capital to assets | 9.2445% | 4,764 |
| Core capital (leverage) ratio | 8.1415% | 5,926 |
| Tier 1 risk-based capital ratio | 14.6517% | 3,450 |
| Total risk-based capital ratio | 15.9039% | 3,410 |
| Memoranda: | ||
| Average total assets | $453,418,200 | 1,467 |
| Average earning assets | $411,111,000 | 1,479 |
| Average equity | $40,221,000 | 1,649 |
| Average total loans | $227,119,000 | 1,923 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2157% | 3,759 |
| Cost of funding earning assets | 0.8890% | 6,442 |
| Net interest margin | 4.3267% | 1,750 |
| Noninterest income to average assets | 1.4622% | 635 |
| Noninterest expense to average assets | 3.7785% | 1,411 |
| Loan and lease loss provision to assets | 0.1992% | 5,058 |
| Net operating income to assets | 1.4026% | 1,100 |
| Return on assets (ROA) | 1.4991% | 1,004 |
| Pretax return on assets | 1.4991% | 1,621 |
| Return on Equity (ROE) | 17.0829% | 578 |
| Retained earnings to average equity (ytd only) | 7.9967% | 1,420 |
| Net charge-offs to loans | 0.1296% | 5,253 |
| Credit loss provision to net charge-offs | 302.6906% | 1,056 |
| Earnings coverage of net charge-offs (x) | 24.3405% | 1,032 |
| Efficiency ratio | 70.2282% | 4,016 |
| Assets per employee ($millions) | 3.3670% | 5,281 |
| Cash dividends to net income (ytd only)* | 53.1891% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4990% | 3,971 |
| Loan loss allowance to noncurrent loans | 1,641.9048% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.9232% | 5,260 |
| Noncurrent loans to loans | 0.0913% | 7,003 |
| Net loans and leases to total assets | 47.7261% | 6,546 |
| Net loans and leases to deposits | 53.4600% | 6,805 |
| Net loans and leases to core deposits | 62.6599% | 6,402 |
| Total domestic deposits to total assets | 89.2743% | 1,241 |
| Equity capital to assets | 8.7644% | 5,912 |
| Core capital (leverage) ratio | 8.0261% | 6,306 |
| Tier 1 risk-based capital ratio | 13.4979% | 4,208 |
| Total risk-based capital ratio | 14.7489% | 4,161 |
| Memoranda: | ||
| Average total assets | $451,812,750 | 1,492 |
| Average earning assets | $409,138,500 | 1,510 |
| Average equity | $39,648,750 | 1,681 |
| Average total loans | $229,400,000 | 1,927 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3417% | 3,255 |
| Cost of funding earning assets | 0.8999% | 6,581 |
| Net interest margin | 4.4418% | 1,339 |
| Noninterest income to average assets | 1.6719% | 460 |
| Noninterest expense to average assets | 3.8702% | 1,230 |
| Loan and lease loss provision to assets | 0.2026% | 4,844 |
| Net operating income to assets | 1.6152% | 701 |
| Return on assets (ROA) | 1.6714% | 663 |
| Pretax return on assets | 1.6714% | 1,113 |
| Return on Equity (ROE) | 19.0382% | 383 |
| Retained earnings to average equity (ytd only) | 10.3192% | 776 |
| Net charge-offs to loans | 0.0367% | 5,845 |
| Credit loss provision to net charge-offs | 1,071.4286% | 352 |
| Earnings coverage of net charge-offs (x) | 96.1190% | 342 |
| Efficiency ratio | 68.0415% | 4,573 |
| Assets per employee ($millions) | 3.1176% | 5,871 |
| Cash dividends to net income (ytd only)* | 45.7974% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4964% | 3,956 |
| Loan loss allowance to noncurrent loans | 348.7705% | 844 |
| Noncurrent assets plus other real estate owned to assets | 1.1966% | 4,747 |
| Noncurrent loans to loans | 0.4291% | 6,383 |
| Net loans and leases to total assets | 49.9128% | 6,440 |
| Net loans and leases to deposits | 56.2088% | 6,712 |
| Net loans and leases to core deposits | 67.3711% | 6,109 |
| Total domestic deposits to total assets | 88.7989% | 1,546 |
| Equity capital to assets | 9.0992% | 5,293 |
| Core capital (leverage) ratio | 8.4440% | 5,503 |
| Tier 1 risk-based capital ratio | 13.4582% | 4,092 |
| Total risk-based capital ratio | 14.7087% | 4,062 |
| Memoranda: | ||
| Average total assets | $444,167,330 | 1,539 |
| Average earning assets | $401,595,330 | 1,543 |
| Average equity | $38,995,330 | 1,701 |
| Average total loans | $229,191,000 | 1,947 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3306% | 3,394 |
| Cost of funding earning assets | 0.9330% | 6,644 |
| Net interest margin | 4.3976% | 1,398 |
| Noninterest income to average assets | 1.0448% | 1,172 |
| Noninterest expense to average assets | 3.8824% | 1,203 |
| Loan and lease loss provision to assets | 0.2037% | 4,463 |
| Net operating income to assets | 0.9362% | 2,410 |
| Return on assets (ROA) | 1.0494% | 2,066 |
| Pretax return on assets | 1.0494% | 2,905 |
| Return on Equity (ROE) | 12.1780% | 1,449 |
| Retained earnings to average equity (ytd only) | 0.2732% | 5,723 |
| Net charge-offs to loans | 0.0730% | 4,685 |
| Credit loss provision to net charge-offs | 535.7143% | 789 |
| Earnings coverage of net charge-offs (x) | 29.9762% | 873 |
| Efficiency ratio | 77.3030% | 3,017 |
| Assets per employee ($millions) | 3.0379% | 6,129 |
| Cash dividends to net income (ytd only)* | 97.7567% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 4,515 |
| Loan loss allowance to noncurrent loans | 107.3261% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 1.5522% | 4,173 |
| Noncurrent loans to loans | 1.2866% | 4,827 |
| Net loans and leases to total assets | 51.9021% | 6,282 |
| Net loans and leases to deposits | 58.3249% | 6,606 |
| Net loans and leases to core deposits | 71.4615% | 5,776 |
| Total domestic deposits to total assets | 88.9879% | 1,521 |
| Equity capital to assets | 8.7698% | 5,610 |
| Core capital (leverage) ratio | 7.9489% | 6,313 |
| Tier 1 risk-based capital ratio | 12.7544% | 4,518 |
| Total risk-based capital ratio | 13.9804% | 4,498 |
| Memoranda: | ||
| Average total assets | $441,786,500 | 1,588 |
| Average earning assets | $399,583,000 | 1,591 |
| Average equity | $38,068,500 | 1,769 |
| Average total loans | $230,048,000 | 1,998 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7425% | 2,895 |
| Cost of funding earning assets | 1.1850% | 6,710 |
| Net interest margin | 4.5575% | 1,063 |
| Noninterest income to average assets | 1.2535% | 961 |
| Noninterest expense to average assets | 3.8194% | 1,662 |
| Loan and lease loss provision to assets | 0.2216% | 5,588 |
| Net operating income to assets | 1.3692% | 900 |
| Return on assets (ROA) | 1.4180% | 873 |
| Pretax return on assets | 1.4180% | 1,389 |
| Return on Equity (ROE) | 17.6332% | 394 |
| Retained earnings to average equity (ytd only) | 9.4807% | 429 |
| Net charge-offs to loans | 0.2570% | 5,014 |
| Credit loss provision to net charge-offs | 163.5906% | 2,678 |
| Earnings coverage of net charge-offs (x) | 11.7450% | 1,571 |
| Efficiency ratio | 70.5969% | 4,509 |
| Assets per employee ($millions) | 3.1417% | 5,885 |
| Cash dividends to net income (ytd only)* | 46.2340% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3034% | 4,738 |
| Loan loss allowance to noncurrent loans | 2,800.0000% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.8821% | 5,337 |
| Noncurrent loans to loans | 0.0465% | 7,317 |
| Net loans and leases to total assets | 50.8548% | 6,544 |
| Net loans and leases to deposits | 56.9017% | 6,859 |
| Net loans and leases to core deposits | 78.0466% | 6,254 |
| Total domestic deposits to total assets | 89.3732% | 1,280 |
| Equity capital to assets | 8.4671% | 5,938 |
| Core capital (leverage) ratio | 7.7397% | 6,514 |
| Tier 1 risk-based capital ratio | 12.8034% | 4,284 |
| Total risk-based capital ratio | 13.9614% | 4,292 |
| Memoranda: | ||
| Average total assets | $440,048,200 | 1,582 |
| Average earning assets | $401,341,000 | 1,583 |
| Average equity | $35,387,800 | 1,906 |
| Average total loans | $231,933,400 | 2,018 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7727% | 3,014 |
| Cost of funding earning assets | 1.2372% | 6,770 |
| Net interest margin | 4.5355% | 1,108 |
| Noninterest income to average assets | 1.3049% | 913 |
| Noninterest expense to average assets | 3.8111% | 1,574 |
| Loan and lease loss provision to assets | 0.2280% | 5,150 |
| Net operating income to assets | 1.4086% | 1,003 |
| Return on assets (ROA) | 1.4740% | 930 |
| Pretax return on assets | 1.4740% | 1,491 |
| Return on Equity (ROE) | 18.5788% | 397 |
| Retained earnings to average equity (ytd only) | 7.5227% | 1,306 |
| Net charge-offs to loans | 0.3126% | 4,084 |
| Credit loss provision to net charge-offs | 137.6147% | 3,597 |
| Earnings coverage of net charge-offs (x) | 9.8770% | 2,043 |
| Efficiency ratio | 69.9576% | 4,600 |
| Assets per employee ($millions) | 3.2293% | 5,573 |
| Cash dividends to net income (ytd only)* | 59.5091% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2135% | 5,037 |
| Loan loss allowance to noncurrent loans | 78.3236% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 0.9310% | 5,208 |
| Noncurrent loans to loans | 1.5493% | 4,317 |
| Net loans and leases to total assets | 50.0976% | 6,774 |
| Net loans and leases to deposits | 55.5389% | 7,122 |
| Net loans and leases to core deposits | 73.8754% | 6,737 |
| Total domestic deposits to total assets | 90.2027% | 698 |
| Equity capital to assets | 8.2937% | 6,512 |
| Core capital (leverage) ratio | 7.4932% | 6,983 |
| Tier 1 risk-based capital ratio | 12.3101% | 4,697 |
| Total risk-based capital ratio | 13.3976% | 4,792 |
| Memoranda: | ||
| Average total assets | $438,531,000 | 1,589 |
| Average earning assets | $400,564,500 | 1,601 |
| Average equity | $34,791,500 | 1,952 |
| Average total loans | $232,449,750 | 2,039 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9018% | 2,571 |
| Cost of funding earning assets | 1.3034% | 6,798 |
| Net interest margin | 4.5983% | 954 |
| Noninterest income to average assets | 1.3787% | 804 |
| Noninterest expense to average assets | 3.8874% | 1,510 |
| Loan and lease loss provision to assets | 0.1737% | 5,320 |
| Net operating income to assets | 1.5116% | 814 |
| Return on assets (ROA) | 1.6112% | 732 |
| Pretax return on assets | 1.6112% | 1,184 |
| Return on Equity (ROE) | 20.6399% | 295 |
| Retained earnings to average equity (ytd only) | 7.9202% | 1,237 |
| Net charge-offs to loans | 0.1764% | 4,474 |
| Credit loss provision to net charge-offs | 182.9268% | 2,511 |
| Earnings coverage of net charge-offs (x) | 17.7512% | 1,455 |
| Efficiency ratio | 69.7582% | 4,834 |
| Assets per employee ($millions) | 3.0556% | 5,982 |
| Cash dividends to net income (ytd only)* | 61.6269% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1989% | 4,950 |
| Loan loss allowance to noncurrent loans | 64.7236% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 1.2717% | 4,394 |
| Noncurrent loans to loans | 1.8523% | 3,729 |
| Net loans and leases to total assets | 52.9352% | 6,575 |
| Net loans and leases to deposits | 58.6174% | 6,983 |
| Net loans and leases to core deposits | 76.6683% | 6,631 |
| Total domestic deposits to total assets | 90.3062% | 706 |
| Equity capital to assets | 8.0298% | 6,716 |
| Core capital (leverage) ratio | 7.7872% | 6,631 |
| Tier 1 risk-based capital ratio | 11.8270% | 5,077 |
| Total risk-based capital ratio | 12.8739% | 5,201 |
| Memoranda: | ||
| Average total assets | $431,853,670 | 1,636 |
| Average earning assets | $393,882,670 | 1,648 |
| Average equity | $33,711,330 | 2,014 |
| Average total loans | $232,416,000 | 2,064 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9677% | 2,493 |
| Cost of funding earning assets | 1.3426% | 6,899 |
| Net interest margin | 4.6251% | 901 |
| Noninterest income to average assets | 1.1048% | 1,215 |
| Noninterest expense to average assets | 4.0573% | 1,117 |
| Loan and lease loss provision to assets | 0.1393% | 5,171 |
| Net operating income to assets | 1.1364% | 1,845 |
| Return on assets (ROA) | 1.2543% | 1,595 |
| Pretax return on assets | 1.2543% | 2,438 |
| Return on Equity (ROE) | 16.3034% | 776 |
| Retained earnings to average equity (ytd only) | -2.7394% | 6,228 |
| Net charge-offs to loans | 0.3356% | 2,750 |
| Credit loss provision to net charge-offs | 76.9231% | 4,241 |
| Earnings coverage of net charge-offs (x) | 7.0462% | 2,398 |
| Efficiency ratio | 76.0794% | 3,480 |
| Assets per employee ($millions) | 2.9261% | 6,353 |
| Cash dividends to net income (ytd only)* | 116.8024% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 5,497 |
| Loan loss allowance to noncurrent loans | 140.9539% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.6892% | 5,435 |
| Noncurrent loans to loans | 0.7780% | 5,490 |
| Net loans and leases to total assets | 55.0276% | 6,352 |
| Net loans and leases to deposits | 61.3050% | 6,783 |
| Net loans and leases to core deposits | 82.3670% | 6,203 |
| Total domestic deposits to total assets | 89.7603% | 905 |
| Equity capital to assets | 7.8033% | 7,067 |
| Core capital (leverage) ratio | 7.3243% | 7,355 |
| Tier 1 risk-based capital ratio | 11.1234% | 5,793 |
| Total risk-based capital ratio | 12.0751% | 5,975 |
| Memoranda: | ||
| Average total assets | $430,833,000 | 1,651 |
| Average earning assets | $393,852,500 | 1,659 |
| Average equity | $33,146,500 | 2,043 |
| Average total loans | $232,389,000 | 2,076 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3314% | 3,779 |
| Cost of funding earning assets | 1.8750% | 6,806 |
| Net interest margin | 4.4565% | 1,526 |
| Noninterest income to average assets | 0.9628% | 1,719 |
| Noninterest expense to average assets | 3.8462% | 1,667 |
| Loan and lease loss provision to assets | 0.0974% | 6,139 |
| Net operating income to assets | 1.0674% | 2,270 |
| Return on assets (ROA) | 1.1738% | 1,790 |
| Pretax return on assets | 1.1738% | 2,748 |
| Return on Equity (ROE) | 15.6648% | 822 |
| Retained earnings to average equity (ytd only) | 8.9930% | 612 |
| Net charge-offs to loans | 0.0501% | 6,072 |
| Credit loss provision to net charge-offs | 372.7273% | 1,184 |
| Earnings coverage of net charge-offs (x) | 44.5636% | 828 |
| Efficiency ratio | 76.7557% | 3,111 |
| Assets per employee ($millions) | 3.4132% | 4,906 |
| Cash dividends to net income (ytd only)* | 42.5911% | 3,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1361% | 5,016 |
| Loan loss allowance to noncurrent loans | 145.6316% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.6452% | 5,283 |
| Noncurrent loans to loans | 0.7801% | 5,085 |
| Net loans and leases to total assets | 51.7199% | 6,870 |
| Net loans and leases to deposits | 58.9542% | 7,151 |
| Net loans and leases to core deposits | 79.2772% | 6,668 |
| Total domestic deposits to total assets | 87.7290% | 1,595 |
| Equity capital to assets | 7.5886% | 7,312 |
| Core capital (leverage) ratio | 7.2437% | 7,481 |
| Tier 1 risk-based capital ratio | 11.1623% | 5,582 |
| Total risk-based capital ratio | 12.1214% | 5,755 |
| Memoranda: | ||
| Average total assets | $420,852,000 | 1,618 |
| Average earning assets | $382,298,200 | 1,627 |
| Average equity | $31,535,600 | 2,144 |
| Average total loans | $219,577,000 | 2,127 |