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 | 6.4156% | 380 |
| Cost of funding earning assets | 1.1825% | 2,848 |
| Net interest margin | 5.2331% | 254 |
| Noninterest income to average assets | 1.9800% | 269 |
| Noninterest expense to average assets | 4.7206% | 252 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 1.9951% | 472 |
| Return on assets (ROA) | 1.9951% | 456 |
| Pretax return on assets | 1.9951% | 683 |
| Return on Equity (ROE) | 15.8400% | 1,128 |
| Retained earnings to average equity (ytd only) | 8.0771% | 1,515 |
| Net charge-offs to loans | -0.0067% | 3,907 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.9856% | 2,113 |
| Assets per employee ($millions) | 3.7603% | 4,230 |
| Cash dividends to net income (ytd only)* | 48.9965% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0000% | 371 |
| Loan loss allowance to noncurrent loans | 218.4533% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.8261% | 613 |
| Noncurrent loans to loans | 0.9155% | 819 |
| Net loans and leases to total assets | 83.6800% | 296 |
| Net loans and leases to deposits | 100.7101% | 501 |
| Net loans and leases to core deposits | 109.6844% | 971 |
| Total domestic deposits to total assets | 83.0900% | 2,870 |
| Equity capital to assets | 13.0950% | 846 |
| Core capital (leverage) ratio | 12.8987% | 1,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3750% | 1,730 |
| Memoranda: | ||
| Average total assets | $641,807,800 | 1,391 |
| Average earning assets | $600,772,800 | 1,376 |
| Average equity | $80,858,000 | 1,120 |
| Average total loans | $548,633,800 | 1,155 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3293% | 360 |
| Cost of funding earning assets | 1.0727% | 2,823 |
| Net interest margin | 5.2565% | 237 |
| Noninterest income to average assets | 2.0500% | 277 |
| Noninterest expense to average assets | 4.7796% | 244 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 2.0003% | 500 |
| Return on assets (ROA) | 2.0003% | 488 |
| Pretax return on assets | 2.0003% | 749 |
| Return on Equity (ROE) | 16.0400% | 1,251 |
| Retained earnings to average equity (ytd only) | 5.5669% | 2,757 |
| Net charge-offs to loans | -0.0424% | 4,326 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.9742% | 2,018 |
| Assets per employee ($millions) | 3.7498% | 4,259 |
| Cash dividends to net income (ytd only)* | 65.2862% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9935% | 392 |
| Loan loss allowance to noncurrent loans | 951.1207% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.1930% | 2,307 |
| Noncurrent loans to loans | 0.2096% | 2,516 |
| Net loans and leases to total assets | 83.6100% | 314 |
| Net loans and leases to deposits | 99.9236% | 522 |
| Net loans and leases to core deposits | 108.6935% | 920 |
| Total domestic deposits to total assets | 83.6800% | 2,864 |
| Equity capital to assets | 12.5542% | 903 |
| Core capital (leverage) ratio | 12.4600% | 1,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2114% | 1,815 |
| Memoranda: | ||
| Average total assets | $640,568,000 | 1,390 |
| Average earning assets | $599,443,000 | 1,378 |
| Average equity | $79,899,000 | 1,126 |
| Average total loans | $547,732,500 | 1,153 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2005% | 347 |
| Cost of funding earning assets | 0.9281% | 2,838 |
| Net interest margin | 5.2724% | 219 |
| Noninterest income to average assets | 2.0500% | 235 |
| Noninterest expense to average assets | 4.7579% | 238 |
| Loan and lease loss provision to assets | 0.2000% | 537 |
| Net operating income to assets | 2.0180% | 449 |
| Return on assets (ROA) | 2.0180% | 447 |
| Pretax return on assets | 2.0180% | 722 |
| Return on Equity (ROE) | 16.2100% | 1,228 |
| Retained earnings to average equity (ytd only) | 5.8399% | 2,683 |
| Net charge-offs to loans | -0.0480% | 4,365 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.5382% | 2,041 |
| Assets per employee ($millions) | 3.7700% | 4,266 |
| Cash dividends to net income (ytd only)* | 63.9838% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9593% | 449 |
| Loan loss allowance to noncurrent loans | 905.5649% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.1984% | 2,201 |
| Noncurrent loans to loans | 0.2164% | 2,403 |
| Net loans and leases to total assets | 83.3600% | 310 |
| Net loans and leases to deposits | 99.4718% | 542 |
| Net loans and leases to core deposits | 107.5050% | 928 |
| Total domestic deposits to total assets | 83.8100% | 2,869 |
| Equity capital to assets | 12.4778% | 931 |
| Core capital (leverage) ratio | 12.3866% | 1,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2305% | 1,805 |
| Memoranda: | ||
| Average total assets | $637,849,667 | 1,395 |
| Average earning assets | $595,853,000 | 1,390 |
| Average equity | $79,384,667 | 1,126 |
| Average total loans | $545,823,667 | 1,140 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9917% | 314 |
| Cost of funding earning assets | 0.6477% | 3,230 |
| Net interest margin | 5.3440% | 186 |
| Noninterest income to average assets | 1.8800% | 247 |
| Noninterest expense to average assets | 4.6044% | 262 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 2.0995% | 426 |
| Return on assets (ROA) | 2.0995% | 420 |
| Pretax return on assets | 2.0995% | 655 |
| Return on Equity (ROE) | 16.8900% | 1,196 |
| Retained earnings to average equity (ytd only) | 7.4413% | 2,377 |
| Net charge-offs to loans | 0.0088% | 1,615 |
| Credit loss provision to net charge-offs | 2,500.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 302.5000% | 365 |
| Efficiency ratio | 66.1575% | 2,190 |
| Assets per employee ($millions) | 3.6616% | 4,371 |
| Cash dividends to net income (ytd only)* | 55.9459% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8685% | 574 |
| Loan loss allowance to noncurrent loans | 868.4746% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.2000% | 2,135 |
| Noncurrent loans to loans | 0.2151% | 2,400 |
| Net loans and leases to total assets | 84.4800% | 203 |
| Net loans and leases to deposits | 100.7573% | 414 |
| Net loans and leases to core deposits | 107.6893% | 767 |
| Total domestic deposits to total assets | 83.8400% | 3,122 |
| Equity capital to assets | 12.4941% | 877 |
| Core capital (leverage) ratio | 12.5810% | 1,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2842% | 1,870 |
| Memoranda: | ||
| Average total assets | $634,441,500 | 1,423 |
| Average earning assets | $594,757,000 | 1,411 |
| Average equity | $78,857,000 | 1,140 |
| Average total loans | $544,653,500 | 1,153 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2257% | 213 |
| Cost of funding earning assets | 0.2871% | 2,985 |
| Net interest margin | 4.9387% | 150 |
| Noninterest income to average assets | 3.0100% | 176 |
| Noninterest expense to average assets | 5.7036% | 181 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.8286% | 410 |
| Return on assets (ROA) | 1.8286% | 393 |
| Pretax return on assets | 1.8286% | 686 |
| Return on Equity (ROE) | 15.1400% | 1,223 |
| Retained earnings to average equity (ytd only) | 6.9573% | 2,262 |
| Net charge-offs to loans | 0.0208% | 1,670 |
| Credit loss provision to net charge-offs | 590.9091% | 609 |
| Earnings coverage of net charge-offs (x) | 108.7727% | 932 |
| Efficiency ratio | 74.0890% | 1,212 |
| Assets per employee ($millions) | 3.4335% | 4,456 |
| Cash dividends to net income (ytd only)* | 54.0610% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8414% | 608 |
| Loan loss allowance to noncurrent loans | 761.9740% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.2740% | 1,786 |
| Noncurrent loans to loans | 0.2417% | 2,312 |
| Net loans and leases to total assets | 84.0300% | 250 |
| Net loans and leases to deposits | 96.6027% | 606 |
| Net loans and leases to core deposits | 102.3302% | 885 |
| Total domestic deposits to total assets | 86.9900% | 2,394 |
| Equity capital to assets | 12.3640% | 831 |
| Core capital (leverage) ratio | 12.2916% | 1,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9025% | 2,011 |
| Memoranda: | ||
| Average total assets | $618,783,200 | 1,440 |
| Average earning assets | $579,630,200 | 1,426 |
| Average equity | $74,713,400 | 1,190 |
| Average total loans | $528,485,400 | 1,133 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9772% | 218 |
| Cost of funding earning assets | 0.2282% | 2,944 |
| Net interest margin | 4.7490% | 158 |
| Noninterest income to average assets | 3.4800% | 166 |
| Noninterest expense to average assets | 6.0085% | 167 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.8362% | 398 |
| Return on assets (ROA) | 1.8362% | 389 |
| Pretax return on assets | 1.8362% | 681 |
| Return on Equity (ROE) | 15.3000% | 1,111 |
| Retained earnings to average equity (ytd only) | 4.2600% | 3,358 |
| Net charge-offs to loans | -0.0530% | 4,323 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.2858% | 1,142 |
| Assets per employee ($millions) | 3.2306% | 4,535 |
| Cash dividends to net income (ytd only)* | 72.1600% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8926% | 608 |
| Loan loss allowance to noncurrent loans | 568.1663% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.3516% | 1,542 |
| Noncurrent loans to loans | 0.3331% | 2,033 |
| Net loans and leases to total assets | 83.3800% | 292 |
| Net loans and leases to deposits | 95.6806% | 568 |
| Net loans and leases to core deposits | 101.1368% | 776 |
| Total domestic deposits to total assets | 87.1400% | 2,716 |
| Equity capital to assets | 12.1307% | 857 |
| Core capital (leverage) ratio | 11.8498% | 1,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5646% | 2,234 |
| Memoranda: | ||
| Average total assets | $615,537,000 | 1,452 |
| Average earning assets | $576,027,500 | 1,440 |
| Average equity | $73,863,750 | 1,214 |
| Average total loans | $525,395,250 | 1,133 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6871% | 261 |
| Cost of funding earning assets | 0.2076% | 2,815 |
| Net interest margin | 4.4795% | 200 |
| Noninterest income to average assets | 3.9367% | 119 |
| Noninterest expense to average assets | 6.3046% | 119 |
| Loan and lease loss provision to assets | 0.0652% | 1,438 |
| Net operating income to assets | 1.7561% | 373 |
| Return on assets (ROA) | 1.7561% | 367 |
| Pretax return on assets | 1.7561% | 666 |
| Return on Equity (ROE) | 14.6886% | 961 |
| Retained earnings to average equity (ytd only) | 3.0625% | 3,423 |
| Net charge-offs to loans | -0.0572% | 4,289 |
| Credit loss provision to net charge-offs | -133.3333% | 3,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0255% | 1,171 |
| Assets per employee ($millions) | 3.1821% | 4,600 |
| Cash dividends to net income (ytd only)* | 79.1504% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8450% | 747 |
| Loan loss allowance to noncurrent loans | 528.3396% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.3687% | 1,518 |
| Noncurrent loans to loans | 0.3492% | 2,104 |
| Net loans and leases to total assets | 84.1866% | 182 |
| Net loans and leases to deposits | 96.3039% | 421 |
| Net loans and leases to core deposits | 102.0715% | 589 |
| Total domestic deposits to total assets | 87.4176% | 2,793 |
| Equity capital to assets | 11.9918% | 879 |
| Core capital (leverage) ratio | 11.8030% | 1,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1357% | 2,439 |
| Memoranda: | ||
| Average total assets | $613,960,333 | 1,464 |
| Average earning assets | $574,170,000 | 1,459 |
| Average equity | $73,404,000 | 1,252 |
| Average total loans | $524,810,000 | 1,129 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5783% | 271 |
| Cost of funding earning assets | 0.1871% | 2,985 |
| Net interest margin | 4.3912% | 201 |
| Noninterest income to average assets | 4.0602% | 121 |
| Noninterest expense to average assets | 6.1684% | 113 |
| Loan and lease loss provision to assets | 0.0653% | 1,251 |
| Net operating income to assets | 1.9351% | 249 |
| Return on assets (ROA) | 1.9351% | 252 |
| Pretax return on assets | 1.9351% | 412 |
| Return on Equity (ROE) | 16.2097% | 511 |
| Retained earnings to average equity (ytd only) | 1.1602% | 3,786 |
| Net charge-offs to loans | -0.0406% | 4,188 |
| Credit loss provision to net charge-offs | -188.6792% | 2,965 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9520% | 1,639 |
| Assets per employee ($millions) | 3.0793% | 4,645 |
| Cash dividends to net income (ytd only)* | 92.8427% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8820% | 767 |
| Loan loss allowance to noncurrent loans | 530.8375% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.3623% | 1,663 |
| Noncurrent loans to loans | 0.3545% | 2,210 |
| Net loans and leases to total assets | 81.0235% | 200 |
| Net loans and leases to deposits | 92.7236% | 408 |
| Net loans and leases to core deposits | 98.8175% | 548 |
| Total domestic deposits to total assets | 87.3818% | 2,789 |
| Equity capital to assets | 11.8788% | 1,000 |
| Core capital (leverage) ratio | 11.7021% | 1,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3521% | 2,462 |
| Memoranda: | ||
| Average total assets | $612,278,500 | 1,474 |
| Average earning assets | $572,874,500 | 1,466 |
| Average equity | $73,092,000 | 1,285 |
| Average total loans | $522,478,500 | 1,123 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6158% | 495 |
| Cost of funding earning assets | 0.2084% | 3,384 |
| Net interest margin | 4.4073% | 327 |
| Noninterest income to average assets | 5.3655% | 104 |
| Noninterest expense to average assets | 6.3106% | 120 |
| Loan and lease loss provision to assets | 0.0870% | 1,415 |
| Net operating income to assets | 3.0898% | 96 |
| Return on assets (ROA) | 3.0898% | 97 |
| Pretax return on assets | 3.0898% | 133 |
| Return on Equity (ROE) | 26.5647% | 101 |
| Retained earnings to average equity (ytd only) | 15.7917% | 186 |
| Net charge-offs to loans | -0.0378% | 4,204 |
| Credit loss provision to net charge-offs | -265.6085% | 3,584 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1742% | 2,233 |
| Assets per employee ($millions) | 3.0742% | 4,677 |
| Cash dividends to net income (ytd only)* | 40.5540% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7560% | 938 |
| Loan loss allowance to noncurrent loans | 417.5089% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.4409% | 1,496 |
| Noncurrent loans to loans | 0.4206% | 2,090 |
| Net loans and leases to total assets | 86.5744% | 50 |
| Net loans and leases to deposits | 98.9747% | 218 |
| Net loans and leases to core deposits | 105.5762% | 381 |
| Total domestic deposits to total assets | 87.4712% | 2,295 |
| Equity capital to assets | 11.9973% | 1,250 |
| Core capital (leverage) ratio | 11.7816% | 1,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0620% | 2,607 |
| Memoranda: | ||
| Average total assets | $577,153,400 | 1,495 |
| Average earning assets | $539,782,000 | 1,493 |
| Average equity | $67,130,400 | 1,393 |
| Average total loans | $499,529,400 | 1,162 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5299% | 640 |
| Cost of funding earning assets | 0.2149% | 3,468 |
| Net interest margin | 4.3150% | 435 |
| Noninterest income to average assets | 5.5672% | 105 |
| Noninterest expense to average assets | 6.2863% | 118 |
| Loan and lease loss provision to assets | 0.1175% | 1,014 |
| Net operating income to assets | 3.1928% | 101 |
| Return on assets (ROA) | 3.1928% | 103 |
| Pretax return on assets | 3.1928% | 147 |
| Return on Equity (ROE) | 27.6829% | 117 |
| Retained earnings to average equity (ytd only) | 12.9967% | 644 |
| Net charge-offs to loans | -0.0340% | 4,192 |
| Credit loss provision to net charge-offs | -401.6000% | 3,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2194% | 2,214 |
| Assets per employee ($millions) | 2.9797% | 4,757 |
| Cash dividends to net income (ytd only)* | 53.0516% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8100% | 911 |
| Loan loss allowance to noncurrent loans | 362.6987% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.5047% | 1,518 |
| Noncurrent loans to loans | 0.4990% | 2,062 |
| Net loans and leases to total assets | 85.1476% | 84 |
| Net loans and leases to deposits | 97.0304% | 309 |
| Net loans and leases to core deposits | 103.8133% | 463 |
| Total domestic deposits to total assets | 87.7536% | 1,969 |
| Equity capital to assets | 11.5482% | 1,636 |
| Core capital (leverage) ratio | 11.2492% | 1,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2543% | 2,274 |
| Memoranda: | ||
| Average total assets | $569,268,000 | 1,531 |
| Average earning assets | $531,590,000 | 1,531 |
| Average equity | $65,656,250 | 1,431 |
| Average total loans | $490,313,500 | 1,204 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4437% | 798 |
| Cost of funding earning assets | 0.2259% | 3,508 |
| Net interest margin | 4.2177% | 565 |
| Noninterest income to average assets | 5.2815% | 108 |
| Noninterest expense to average assets | 5.8921% | 128 |
| Loan and lease loss provision to assets | 0.1792% | 638 |
| Net operating income to assets | 3.1475% | 109 |
| Return on assets (ROA) | 3.1475% | 112 |
| Pretax return on assets | 3.1475% | 159 |
| Return on Equity (ROE) | 27.3028% | 138 |
| Retained earnings to average equity (ytd only) | 12.9440% | 727 |
| Net charge-offs to loans | -0.0062% | 3,500 |
| Credit loss provision to net charge-offs | -3,346.6667% | 3,923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7321% | 2,466 |
| Assets per employee ($millions) | 2.9243% | 4,795 |
| Cash dividends to net income (ytd only)* | 52.5910% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7897% | 900 |
| Loan loss allowance to noncurrent loans | 228.4726% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.7770% | 1,051 |
| Noncurrent loans to loans | 0.7833% | 1,551 |
| Net loans and leases to total assets | 88.0558% | 42 |
| Net loans and leases to deposits | 100.1924% | 251 |
| Net loans and leases to core deposits | 107.3932% | 430 |
| Total domestic deposits to total assets | 87.8868% | 1,895 |
| Equity capital to assets | 11.5604% | 1,595 |
| Core capital (leverage) ratio | 11.0438% | 1,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9499% | 2,383 |
| Memoranda: | ||
| Average total assets | $560,375,333 | 1,549 |
| Average earning assets | $523,125,333 | 1,540 |
| Average equity | $64,601,333 | 1,439 |
| Average total loans | $481,488,667 | 1,222 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4076% | 904 |
| Cost of funding earning assets | 0.2425% | 3,543 |
| Net interest margin | 4.1651% | 643 |
| Noninterest income to average assets | 5.4383% | 113 |
| Noninterest expense to average assets | 5.8148% | 127 |
| Loan and lease loss provision to assets | 0.3634% | 228 |
| Net operating income to assets | 3.1514% | 132 |
| Return on assets (ROA) | 3.1514% | 146 |
| Pretax return on assets | 3.1514% | 202 |
| Return on Equity (ROE) | 27.3759% | 195 |
| Retained earnings to average equity (ytd only) | 14.8545% | 642 |
| Net charge-offs to loans | -0.0034% | 3,261 |
| Credit loss provision to net charge-offs | -12,550.0000% | 3,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3264% | 2,698 |
| Assets per employee ($millions) | 3.5307% | 4,678 |
| Cash dividends to net income (ytd only)* | 45.7386% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9085% | 732 |
| Loan loss allowance to noncurrent loans | 185.5134% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 1.0935% | 728 |
| Noncurrent loans to loans | 1.0288% | 1,303 |
| Net loans and leases to total assets | 83.4812% | 169 |
| Net loans and leases to deposits | 94.6300% | 461 |
| Net loans and leases to core deposits | 101.4922% | 649 |
| Total domestic deposits to total assets | 88.2185% | 1,730 |
| Equity capital to assets | 11.3967% | 1,605 |
| Core capital (leverage) ratio | 11.7435% | 1,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8755% | 1,611 |
| Memoranda: | ||
| Average total assets | $552,523,000 | 1,554 |
| Average earning assets | $516,200,000 | 1,547 |
| Average equity | $63,603,500 | 1,445 |
| Average total loans | $463,975,000 | 1,257 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5811% | 1,130 |
| Cost of funding earning assets | 0.4207% | 3,453 |
| Net interest margin | 4.1604% | 703 |
| Noninterest income to average assets | 5.4420% | 107 |
| Noninterest expense to average assets | 5.9254% | 131 |
| Loan and lease loss provision to assets | 0.4616% | 596 |
| Net operating income to assets | 2.9334% | 99 |
| Return on assets (ROA) | 2.9334% | 102 |
| Pretax return on assets | 2.9334% | 130 |
| Return on Equity (ROE) | 26.7808% | 88 |
| Retained earnings to average equity (ytd only) | 16.6880% | 109 |
| Net charge-offs to loans | 0.2198% | 790 |
| Credit loss provision to net charge-offs | 262.0087% | 1,880 |
| Earnings coverage of net charge-offs (x) | 19.2707% | 1,991 |
| Efficiency ratio | 63.5741% | 2,884 |
| Assets per employee ($millions) | 3.2920% | 4,722 |
| Cash dividends to net income (ytd only)* | 37.6869% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9648% | 635 |
| Loan loss allowance to noncurrent loans | 166.4188% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 1.2603% | 651 |
| Noncurrent loans to loans | 1.1806% | 1,198 |
| Net loans and leases to total assets | 81.1488% | 354 |
| Net loans and leases to deposits | 92.4585% | 749 |
| Net loans and leases to core deposits | 100.8946% | 865 |
| Total domestic deposits to total assets | 87.7679% | 1,580 |
| Equity capital to assets | 11.6330% | 1,786 |
| Core capital (leverage) ratio | 11.5472% | 1,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0869% | 1,497 |
| Memoranda: | ||
| Average total assets | $519,935,400 | 1,488 |
| Average earning assets | $484,687,000 | 1,494 |
| Average equity | $56,951,200 | 1,499 |
| Average total loans | $416,760,000 | 1,307 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6209% | 1,250 |
| Cost of funding earning assets | 0.4642% | 3,448 |
| Net interest margin | 4.1568% | 800 |
| Noninterest income to average assets | 5.8143% | 101 |
| Noninterest expense to average assets | 6.0170% | 131 |
| Loan and lease loss provision to assets | 0.5429% | 509 |
| Net operating income to assets | 3.1274% | 82 |
| Return on assets (ROA) | 3.1274% | 86 |
| Pretax return on assets | 3.1274% | 112 |
| Return on Equity (ROE) | 29.0200% | 73 |
| Retained earnings to average equity (ytd only) | 15.2296% | 188 |
| Net charge-offs to loans | 0.2723% | 574 |
| Credit loss provision to net charge-offs | 250.8961% | 1,918 |
| Earnings coverage of net charge-offs (x) | 16.9630% | 2,037 |
| Efficiency ratio | 62.1124% | 3,059 |
| Assets per employee ($millions) | 3.3183% | 4,735 |
| Cash dividends to net income (ytd only)* | 47.5203% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9600% | 533 |
| Loan loss allowance to noncurrent loans | 162.1616% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 1.2475% | 779 |
| Noncurrent loans to loans | 1.2087% | 1,258 |
| Net loans and leases to total assets | 78.1915% | 807 |
| Net loans and leases to deposits | 88.3781% | 1,443 |
| Net loans and leases to core deposits | 96.2551% | 1,439 |
| Total domestic deposits to total assets | 88.4738% | 982 |
| Equity capital to assets | 10.8955% | 2,483 |
| Core capital (leverage) ratio | 10.8499% | 1,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8836% | 1,281 |
| Memoranda: | ||
| Average total assets | $515,768,500 | 1,481 |
| Average earning assets | $480,554,250 | 1,479 |
| Average equity | $55,583,250 | 1,526 |
| Average total loans | $409,906,500 | 1,317 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7015% | 1,399 |
| Cost of funding earning assets | 0.5336% | 3,325 |
| Net interest margin | 4.1679% | 984 |
| Noninterest income to average assets | 5.4079% | 95 |
| Noninterest expense to average assets | 5.9302% | 137 |
| Loan and lease loss provision to assets | 0.5925% | 539 |
| Net operating income to assets | 2.7695% | 104 |
| Return on assets (ROA) | 2.7695% | 108 |
| Pretax return on assets | 2.7695% | 148 |
| Return on Equity (ROE) | 25.8010% | 100 |
| Retained earnings to average equity (ytd only) | 14.2345% | 263 |
| Net charge-offs to loans | 0.0279% | 2,161 |
| Credit loss provision to net charge-offs | 2,678.5714% | 389 |
| Earnings coverage of net charge-offs (x) | 151.9821% | 529 |
| Efficiency ratio | 63.8184% | 2,848 |
| Assets per employee ($millions) | 3.4100% | 4,704 |
| Cash dividends to net income (ytd only)* | 44.8296% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9774% | 455 |
| Loan loss allowance to noncurrent loans | 148.5973% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 1.3320% | 767 |
| Noncurrent loans to loans | 1.3307% | 1,159 |
| Net loans and leases to total assets | 77.9552% | 850 |
| Net loans and leases to deposits | 87.4045% | 1,618 |
| Net loans and leases to core deposits | 94.9211% | 1,666 |
| Total domestic deposits to total assets | 89.1889% | 672 |
| Equity capital to assets | 10.2892% | 2,936 |
| Core capital (leverage) ratio | 10.7312% | 2,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7952% | 1,546 |
| Memoranda: | ||
| Average total assets | $506,292,333 | 1,482 |
| Average earning assets | $471,849,333 | 1,474 |
| Average equity | $54,346,667 | 1,544 |
| Average total loans | $401,867,667 | 1,319 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1103% | 775 |
| Cost of funding earning assets | 0.6519% | 3,160 |
| Net interest margin | 4.4583% | 554 |
| Noninterest income to average assets | 3.3268% | 134 |
| Noninterest expense to average assets | 5.3920% | 183 |
| Loan and lease loss provision to assets | 0.4967% | 592 |
| Net operating income to assets | 1.5819% | 646 |
| Return on assets (ROA) | 1.5819% | 715 |
| Pretax return on assets | 1.5819% | 1,106 |
| Return on Equity (ROE) | 14.3953% | 627 |
| Retained earnings to average equity (ytd only) | 4.0376% | 2,665 |
| Net charge-offs to loans | 0.0512% | 1,499 |
| Credit loss provision to net charge-offs | 1,224.4898% | 497 |
| Earnings coverage of net charge-offs (x) | 51.2449% | 882 |
| Efficiency ratio | 72.1773% | 2,053 |
| Assets per employee ($millions) | 3.1467% | 4,726 |
| Cash dividends to net income (ytd only)* | 71.9519% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0264% | 480 |
| Loan loss allowance to noncurrent loans | 138.8810% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 1.6827% | 586 |
| Noncurrent loans to loans | 1.4591% | 1,095 |
| Net loans and leases to total assets | 77.2589% | 1,092 |
| Net loans and leases to deposits | 87.2602% | 1,833 |
| Net loans and leases to core deposits | 96.5938% | 1,739 |
| Total domestic deposits to total assets | 88.5385% | 863 |
| Equity capital to assets | 10.9707% | 2,882 |
| Core capital (leverage) ratio | 11.3046% | 2,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9686% | 1,917 |
| Memoranda: | ||
| Average total assets | $483,231,000 | 1,503 |
| Average earning assets | $449,135,500 | 1,495 |
| Average equity | $53,100,500 | 1,568 |
| Average total loans | $383,140,000 | 1,348 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8223% | 309 |
| Cost of funding earning assets | 0.6141% | 3,581 |
| Net interest margin | 5.2082% | 191 |
| Noninterest income to average assets | 3.0573% | 146 |
| Noninterest expense to average assets | 5.4083% | 166 |
| Loan and lease loss provision to assets | 0.2197% | 884 |
| Net operating income to assets | 2.2102% | 220 |
| Return on assets (ROA) | 2.2102% | 235 |
| Pretax return on assets | 2.2102% | 379 |
| Return on Equity (ROE) | 19.9489% | 215 |
| Retained earnings to average equity (ytd only) | 10.6138% | 384 |
| Net charge-offs to loans | 0.0841% | 1,913 |
| Credit loss provision to net charge-offs | 312.1019% | 892 |
| Earnings coverage of net charge-offs (x) | 34.5223% | 1,441 |
| Efficiency ratio | 68.9993% | 2,317 |
| Assets per employee ($millions) | 3.0492% | 4,800 |
| Cash dividends to net income (ytd only)* | 46.7951% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8977% | 555 |
| Loan loss allowance to noncurrent loans | 108.1529% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 1.8643% | 450 |
| Noncurrent loans to loans | 1.7547% | 777 |
| Net loans and leases to total assets | 78.2125% | 1,046 |
| Net loans and leases to deposits | 88.3703% | 1,789 |
| Net loans and leases to core deposits | 97.1435% | 1,805 |
| Total domestic deposits to total assets | 88.5055% | 886 |
| Equity capital to assets | 11.0069% | 2,991 |
| Core capital (leverage) ratio | 11.2383% | 2,299 |
| Tier 1 risk-based capital ratio | 13.7219% | 3,403 |
| Total risk-based capital ratio | 14.9803% | 3,300 |
| Memoranda: | ||
| Average total assets | $446,107,200 | 1,571 |
| Average earning assets | $409,511,600 | 1,587 |
| Average equity | $49,426,400 | 1,616 |
| Average total loans | $373,174,600 | 1,347 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9373% | 269 |
| Cost of funding earning assets | 0.5842% | 3,763 |
| Net interest margin | 5.3532% | 153 |
| Noninterest income to average assets | 3.1686% | 149 |
| Noninterest expense to average assets | 5.4973% | 160 |
| Loan and lease loss provision to assets | 0.2527% | 639 |
| Net operating income to assets | 2.3147% | 215 |
| Return on assets (ROA) | 2.3147% | 226 |
| Pretax return on assets | 2.3147% | 360 |
| Return on Equity (ROE) | 20.8540% | 202 |
| Retained earnings to average equity (ytd only) | 8.1984% | 1,319 |
| Net charge-offs to loans | 0.0557% | 2,033 |
| Credit loss provision to net charge-offs | 535.4839% | 596 |
| Earnings coverage of net charge-offs (x) | 54.4069% | 1,128 |
| Efficiency ratio | 68.1653% | 2,384 |
| Assets per employee ($millions) | 2.9499% | 4,916 |
| Cash dividends to net income (ytd only)* | 60.6866% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8798% | 572 |
| Loan loss allowance to noncurrent loans | 122.6281% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 1.8167% | 541 |
| Noncurrent loans to loans | 1.5329% | 981 |
| Net loans and leases to total assets | 80.6949% | 748 |
| Net loans and leases to deposits | 92.1191% | 1,423 |
| Net loans and leases to core deposits | 101.0643% | 1,577 |
| Total domestic deposits to total assets | 87.5984% | 1,219 |
| Equity capital to assets | 10.7352% | 3,350 |
| Core capital (leverage) ratio | 11.5201% | 2,201 |
| Tier 1 risk-based capital ratio | 13.6620% | 3,498 |
| Total risk-based capital ratio | 14.9214% | 3,398 |
| Memoranda: | ||
| Average total assets | $437,952,750 | 1,609 |
| Average earning assets | $400,551,000 | 1,623 |
| Average equity | $48,609,750 | 1,644 |
| Average total loans | $371,051,750 | 1,365 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9551% | 255 |
| Cost of funding earning assets | 0.5456% | 3,902 |
| Net interest margin | 5.4095% | 148 |
| Noninterest income to average assets | 2.9093% | 162 |
| Noninterest expense to average assets | 5.4795% | 166 |
| Loan and lease loss provision to assets | 0.3181% | 424 |
| Net operating income to assets | 2.0365% | 361 |
| Return on assets (ROA) | 2.0365% | 380 |
| Pretax return on assets | 2.0365% | 634 |
| Return on Equity (ROE) | 18.1307% | 375 |
| Retained earnings to average equity (ytd only) | 5.7798% | 2,381 |
| Net charge-offs to loans | 0.0262% | 2,330 |
| Credit loss provision to net charge-offs | 1,416.6667% | 251 |
| Earnings coverage of net charge-offs (x) | 104.8750% | 674 |
| Efficiency ratio | 69.9445% | 2,235 |
| Assets per employee ($millions) | 2.8021% | 5,011 |
| Cash dividends to net income (ytd only)* | 68.1213% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8868% | 576 |
| Loan loss allowance to noncurrent loans | 83.2160% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 2.0954% | 427 |
| Noncurrent loans to loans | 2.2673% | 582 |
| Net loans and leases to total assets | 84.6731% | 310 |
| Net loans and leases to deposits | 99.4947% | 711 |
| Net loans and leases to core deposits | 109.4409% | 1,004 |
| Total domestic deposits to total assets | 85.1032% | 2,432 |
| Equity capital to assets | 10.9892% | 3,067 |
| Core capital (leverage) ratio | 11.5832% | 2,100 |
| Tier 1 risk-based capital ratio | 13.3572% | 3,655 |
| Total risk-based capital ratio | 14.6167% | 3,551 |
| Memoranda: | ||
| Average total assets | $427,591,330 | 1,649 |
| Average earning assets | $389,281,670 | 1,681 |
| Average equity | $48,029,000 | 1,656 |
| Average total loans | $366,155,670 | 1,382 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9576% | 235 |
| Cost of funding earning assets | 0.5166% | 3,990 |
| Net interest margin | 5.4409% | 138 |
| Noninterest income to average assets | 2.6398% | 177 |
| Noninterest expense to average assets | 5.4140% | 169 |
| Loan and lease loss provision to assets | 0.3047% | 419 |
| Net operating income to assets | 1.8256% | 541 |
| Return on assets (ROA) | 1.8256% | 560 |
| Pretax return on assets | 1.8256% | 931 |
| Return on Equity (ROE) | 16.0696% | 584 |
| Retained earnings to average equity (ytd only) | 4.6189% | 3,075 |
| Net charge-offs to loans | 0.0357% | 1,756 |
| Credit loss provision to net charge-offs | 1,000.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 69.9063% | 843 |
| Efficiency ratio | 71.7622% | 2,069 |
| Assets per employee ($millions) | 2.6252% | 5,138 |
| Cash dividends to net income (ytd only)* | 71.2572% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8682% | 623 |
| Loan loss allowance to noncurrent loans | 81.0795% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 2.1791% | 407 |
| Noncurrent loans to loans | 2.3041% | 592 |
| Net loans and leases to total assets | 85.8524% | 202 |
| Net loans and leases to deposits | 97.3532% | 858 |
| Net loans and leases to core deposits | 105.9008% | 1,183 |
| Total domestic deposits to total assets | 88.1866% | 1,239 |
| Equity capital to assets | 11.3597% | 2,517 |
| Core capital (leverage) ratio | 11.6875% | 1,993 |
| Tier 1 risk-based capital ratio | 13.6208% | 3,539 |
| Total risk-based capital ratio | 14.8798% | 3,446 |
| Memoranda: | ||
| Average total assets | $420,024,500 | 1,686 |
| Average earning assets | $378,611,500 | 1,740 |
| Average equity | $47,717,500 | 1,651 |
| Average total loans | $358,194,500 | 1,411 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6699% | 291 |
| Cost of funding earning assets | 0.4003% | 3,987 |
| Net interest margin | 5.2696% | 171 |
| Noninterest income to average assets | 3.4515% | 128 |
| Noninterest expense to average assets | 5.7664% | 141 |
| Loan and lease loss provision to assets | 0.2518% | 680 |
| Net operating income to assets | 2.2570% | 228 |
| Return on assets (ROA) | 2.2570% | 220 |
| Pretax return on assets | 2.2570% | 317 |
| Return on Equity (ROE) | 19.7308% | 265 |
| Retained earnings to average equity (ytd only) | 9.1477% | 811 |
| Net charge-offs to loans | 0.1139% | 1,610 |
| Credit loss provision to net charge-offs | 263.8522% | 1,136 |
| Earnings coverage of net charge-offs (x) | 26.2850% | 1,732 |
| Efficiency ratio | 69.6826% | 2,243 |
| Assets per employee ($millions) | 2.6416% | 5,160 |
| Cash dividends to net income (ytd only)* | 53.6376% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8850% | 588 |
| Loan loss allowance to noncurrent loans | 83.5705% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 2.0661% | 452 |
| Noncurrent loans to loans | 2.2555% | 569 |
| Net loans and leases to total assets | 81.5061% | 730 |
| Net loans and leases to deposits | 92.4941% | 1,475 |
| Net loans and leases to core deposits | 100.4186% | 1,690 |
| Total domestic deposits to total assets | 88.1203% | 1,247 |
| Equity capital to assets | 11.3616% | 2,358 |
| Core capital (leverage) ratio | 11.5641% | 2,051 |
| Tier 1 risk-based capital ratio | 13.7872% | 3,393 |
| Total risk-based capital ratio | 15.0459% | 3,316 |
| Memoranda: | ||
| Average total assets | $397,078,000 | 1,725 |
| Average earning assets | $363,479,600 | 1,756 |
| Average equity | $45,421,400 | 1,656 |
| Average total loans | $332,676,600 | 1,471 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6190% | 291 |
| Cost of funding earning assets | 0.3642% | 4,088 |
| Net interest margin | 5.2548% | 165 |
| Noninterest income to average assets | 3.7627% | 124 |
| Noninterest expense to average assets | 5.9009% | 138 |
| Loan and lease loss provision to assets | 0.2555% | 613 |
| Net operating income to assets | 2.4776% | 166 |
| Return on assets (ROA) | 2.4776% | 166 |
| Pretax return on assets | 2.4776% | 242 |
| Return on Equity (ROE) | 21.6199% | 183 |
| Retained earnings to average equity (ytd only) | 7.3285% | 1,959 |
| Net charge-offs to loans | 0.1278% | 1,243 |
| Credit loss provision to net charge-offs | 238.0952% | 1,221 |
| Earnings coverage of net charge-offs (x) | 25.4666% | 1,777 |
| Efficiency ratio | 68.3450% | 2,475 |
| Assets per employee ($millions) | 2.7372% | 5,194 |
| Cash dividends to net income (ytd only)* | 66.1028% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9907% | 493 |
| Loan loss allowance to noncurrent loans | 191.3473% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 1.0464% | 1,387 |
| Noncurrent loans to loans | 1.0404% | 1,640 |
| Net loans and leases to total assets | 74.6446% | 1,881 |
| Net loans and leases to deposits | 84.2989% | 2,566 |
| Net loans and leases to core deposits | 91.8674% | 2,494 |
| Total domestic deposits to total assets | 88.5476% | 1,027 |
| Equity capital to assets | 10.9194% | 2,733 |
| Core capital (leverage) ratio | 11.6062% | 2,081 |
| Tier 1 risk-based capital ratio | 15.2657% | 2,754 |
| Total risk-based capital ratio | 16.5270% | 2,676 |
| Memoranda: | ||
| Average total assets | $391,342,500 | 1,757 |
| Average earning assets | $362,783,000 | 1,766 |
| Average equity | $44,846,500 | 1,672 |
| Average total loans | $328,616,250 | 1,483 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6786% | 246 |
| Cost of funding earning assets | 0.3425% | 4,122 |
| Net interest margin | 5.3361% | 137 |
| Noninterest income to average assets | 3.8759% | 120 |
| Noninterest expense to average assets | 5.8996% | 143 |
| Loan and lease loss provision to assets | 0.3147% | 441 |
| Net operating income to assets | 2.6054% | 126 |
| Return on assets (ROA) | 2.6054% | 126 |
| Pretax return on assets | 2.6054% | 184 |
| Return on Equity (ROE) | 22.3475% | 144 |
| Retained earnings to average equity (ytd only) | 7.3202% | 1,911 |
| Net charge-offs to loans | 0.2090% | 756 |
| Credit loss provision to net charge-offs | 173.4104% | 1,435 |
| Earnings coverage of net charge-offs (x) | 16.0896% | 2,008 |
| Efficiency ratio | 66.8907% | 2,842 |
| Assets per employee ($millions) | 2.4492% | 5,345 |
| Cash dividends to net income (ytd only)* | 67.2438% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8820% | 654 |
| Loan loss allowance to noncurrent loans | 155.5611% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 1.2608% | 1,125 |
| Noncurrent loans to loans | 1.2098% | 1,438 |
| Net loans and leases to total assets | 84.1945% | 441 |
| Net loans and leases to deposits | 95.9368% | 1,148 |
| Net loans and leases to core deposits | 103.0070% | 1,481 |
| Total domestic deposits to total assets | 87.7604% | 1,501 |
| Equity capital to assets | 11.7548% | 2,016 |
| Core capital (leverage) ratio | 11.8150% | 1,829 |
| Tier 1 risk-based capital ratio | 14.5083% | 3,112 |
| Total risk-based capital ratio | 15.7684% | 3,024 |
| Memoranda: | ||
| Average total assets | $381,278,000 | 1,808 |
| Average earning assets | $353,255,330 | 1,808 |
| Average equity | $44,452,330 | 1,691 |
| Average total loans | $331,140,000 | 1,479 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6217% | 227 |
| Cost of funding earning assets | 0.3573% | 3,929 |
| Net interest margin | 5.2644% | 146 |
| Noninterest income to average assets | 3.9236% | 122 |
| Noninterest expense to average assets | 5.6831% | 155 |
| Loan and lease loss provision to assets | 0.3161% | 405 |
| Net operating income to assets | 2.8142% | 90 |
| Return on assets (ROA) | 2.8142% | 90 |
| Pretax return on assets | 2.8142% | 133 |
| Return on Equity (ROE) | 24.2388% | 98 |
| Retained earnings to average equity (ytd only) | 8.6846% | 1,585 |
| Net charge-offs to loans | 0.0362% | 1,798 |
| Credit loss provision to net charge-offs | 1,000.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 99.0333% | 616 |
| Efficiency ratio | 64.4830% | 3,403 |
| Assets per employee ($millions) | 2.3451% | 5,436 |
| Cash dividends to net income (ytd only)* | 64.1707% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9121% | 642 |
| Loan loss allowance to noncurrent loans | 131.2948% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 1.5151% | 913 |
| Noncurrent loans to loans | 1.4564% | 1,214 |
| Net loans and leases to total assets | 86.1952% | 243 |
| Net loans and leases to deposits | 98.3334% | 836 |
| Net loans and leases to core deposits | 104.5694% | 1,340 |
| Total domestic deposits to total assets | 87.6561% | 1,813 |
| Equity capital to assets | 12.0246% | 1,768 |
| Core capital (leverage) ratio | 11.6596% | 1,885 |
| Tier 1 risk-based capital ratio | 14.5177% | 3,108 |
| Total risk-based capital ratio | 15.7780% | 3,014 |
| Memoranda: | ||
| Average total assets | $379,651,500 | 1,828 |
| Average earning assets | $352,633,500 | 1,825 |
| Average equity | $44,078,000 | 1,707 |
| Average total loans | $331,728,000 | 1,481 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2838% | 378 |
| Cost of funding earning assets | 0.3955% | 3,298 |
| Net interest margin | 4.8883% | 288 |
| Noninterest income to average assets | 3.8542% | 135 |
| Noninterest expense to average assets | 5.6599% | 163 |
| Loan and lease loss provision to assets | 0.2119% | 938 |
| Net operating income to assets | 2.5603% | 112 |
| Return on assets (ROA) | 2.5603% | 110 |
| Pretax return on assets | 2.5603% | 163 |
| Return on Equity (ROE) | 24.7237% | 73 |
| Retained earnings to average equity (ytd only) | 11.4523% | 214 |
| Net charge-offs to loans | 0.2275% | 1,136 |
| Credit loss provision to net charge-offs | 114.0110% | 2,296 |
| Earnings coverage of net charge-offs (x) | 14.9176% | 2,286 |
| Efficiency ratio | 67.1238% | 3,060 |
| Assets per employee ($millions) | 2.4451% | 5,478 |
| Cash dividends to net income (ytd only)* | 53.6790% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7629% | 837 |
| Loan loss allowance to noncurrent loans | 108.9645% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 1.5536% | 861 |
| Noncurrent loans to loans | 1.6179% | 1,027 |
| Net loans and leases to total assets | 85.3698% | 304 |
| Net loans and leases to deposits | 102.6049% | 571 |
| Net loans and leases to core deposits | 108.7225% | 1,080 |
| Total domestic deposits to total assets | 83.2025% | 3,496 |
| Equity capital to assets | 11.2151% | 2,414 |
| Core capital (leverage) ratio | 11.0711% | 2,267 |
| Tier 1 risk-based capital ratio | 13.7335% | 3,505 |
| Total risk-based capital ratio | 14.9919% | 3,420 |
| Memoranda: | ||
| Average total assets | $391,755,400 | 1,743 |
| Average earning assets | $366,872,800 | 1,726 |
| Average equity | $40,568,400 | 1,836 |
| Average total loans | $319,990,600 | 1,483 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1907% | 422 |
| Cost of funding earning assets | 0.3958% | 3,242 |
| Net interest margin | 4.7949% | 338 |
| Noninterest income to average assets | 3.8453% | 145 |
| Noninterest expense to average assets | 5.6871% | 170 |
| Loan and lease loss provision to assets | 0.2140% | 881 |
| Net operating income to assets | 2.4424% | 147 |
| Return on assets (ROA) | 2.4424% | 148 |
| Pretax return on assets | 2.4424% | 234 |
| Return on Equity (ROE) | 24.0803% | 85 |
| Retained earnings to average equity (ytd only) | 6.0485% | 2,199 |
| Net charge-offs to loans | 0.1280% | 1,504 |
| Credit loss provision to net charge-offs | 207.9208% | 1,309 |
| Earnings coverage of net charge-offs (x) | 25.8086% | 1,709 |
| Efficiency ratio | 68.1622% | 2,849 |
| Assets per employee ($millions) | 2.5063% | 5,525 |
| Cash dividends to net income (ytd only)* | 74.8818% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8692% | 751 |
| Loan loss allowance to noncurrent loans | 101.1620% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 1.6950% | 850 |
| Noncurrent loans to loans | 1.8477% | 952 |
| Net loans and leases to total assets | 81.9434% | 700 |
| Net loans and leases to deposits | 97.4018% | 976 |
| Net loans and leases to core deposits | 103.2569% | 1,446 |
| Total domestic deposits to total assets | 84.1293% | 3,071 |
| Equity capital to assets | 10.2932% | 3,595 |
| Core capital (leverage) ratio | 10.3446% | 3,148 |
| Tier 1 risk-based capital ratio | 12.7637% | 4,162 |
| Total risk-based capital ratio | 14.0225% | 4,057 |
| Memoranda: | ||
| Average total assets | $392,501,250 | 1,748 |
| Average earning assets | $368,212,500 | 1,730 |
| Average equity | $39,810,250 | 1,884 |
| Average total loans | $315,525,750 | 1,509 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0547% | 517 |
| Cost of funding earning assets | 0.4152% | 2,927 |
| Net interest margin | 4.6394% | 441 |
| Noninterest income to average assets | 3.7415% | 155 |
| Noninterest expense to average assets | 5.5528% | 178 |
| Loan and lease loss provision to assets | 0.2070% | 868 |
| Net operating income to assets | 2.3443% | 160 |
| Return on assets (ROA) | 2.3443% | 159 |
| Pretax return on assets | 2.3443% | 273 |
| Return on Equity (ROE) | 23.2292% | 101 |
| Retained earnings to average equity (ytd only) | 5.1756% | 2,592 |
| Net charge-offs to loans | 0.1958% | 1,030 |
| Credit loss provision to net charge-offs | 133.2237% | 1,652 |
| Earnings coverage of net charge-offs (x) | 16.4211% | 1,983 |
| Efficiency ratio | 68.5186% | 2,919 |
| Assets per employee ($millions) | 2.5002% | 5,554 |
| Cash dividends to net income (ytd only)* | 77.7196% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8075% | 877 |
| Loan loss allowance to noncurrent loans | 324.3464% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.6588% | 2,570 |
| Noncurrent loans to loans | 0.5573% | 3,069 |
| Net loans and leases to total assets | 82.4147% | 616 |
| Net loans and leases to deposits | 97.7540% | 915 |
| Net loans and leases to core deposits | 104.0005% | 1,351 |
| Total domestic deposits to total assets | 84.3083% | 3,086 |
| Equity capital to assets | 10.1841% | 3,687 |
| Core capital (leverage) ratio | 10.1065% | 3,396 |
| Tier 1 risk-based capital ratio | 13.2757% | 3,819 |
| Total risk-based capital ratio | 14.5354% | 3,735 |
| Memoranda: | ||
| Average total assets | $391,335,330 | 1,758 |
| Average earning assets | $367,977,330 | 1,730 |
| Average equity | $39,493,330 | 1,892 |
| Average total loans | $310,475,670 | 1,525 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9016% | 629 |
| Cost of funding earning assets | 0.3800% | 3,205 |
| Net interest margin | 4.5216% | 504 |
| Noninterest income to average assets | 3.4315% | 175 |
| Noninterest expense to average assets | 5.2445% | 209 |
| Loan and lease loss provision to assets | 0.1843% | 929 |
| Net operating income to assets | 2.2665% | 203 |
| Return on assets (ROA) | 2.2665% | 209 |
| Pretax return on assets | 2.2665% | 320 |
| Return on Equity (ROE) | 22.5619% | 134 |
| Retained earnings to average equity (ytd only) | 6.0634% | 2,299 |
| Net charge-offs to loans | 0.0771% | 1,565 |
| Credit loss provision to net charge-offs | 310.3448% | 766 |
| Earnings coverage of net charge-offs (x) | 41.2759% | 1,019 |
| Efficiency ratio | 68.1522% | 3,168 |
| Assets per employee ($millions) | 2.5893% | 5,595 |
| Cash dividends to net income (ytd only)* | 73.1256% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9990% | 671 |
| Loan loss allowance to noncurrent loans | 251.9393% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.7541% | 2,417 |
| Noncurrent loans to loans | 0.7935% | 2,472 |
| Net loans and leases to total assets | 73.4707% | 1,825 |
| Net loans and leases to deposits | 86.6951% | 1,952 |
| Net loans and leases to core deposits | 91.2016% | 2,239 |
| Total domestic deposits to total assets | 84.7462% | 3,190 |
| Equity capital to assets | 9.9182% | 3,855 |
| Core capital (leverage) ratio | 10.5193% | 2,882 |
| Tier 1 risk-based capital ratio | 14.5243% | 3,182 |
| Total risk-based capital ratio | 15.7865% | 3,112 |
| Memoranda: | ||
| Average total assets | $390,736,500 | 1,770 |
| Average earning assets | $368,452,000 | 1,739 |
| Average equity | $39,252,000 | 1,899 |
| Average total loans | $300,983,500 | 1,575 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4364% | 269 |
| Cost of funding earning assets | 0.3848% | 3,153 |
| Net interest margin | 5.0516% | 227 |
| Noninterest income to average assets | 4.5035% | 133 |
| Noninterest expense to average assets | 6.0458% | 160 |
| Loan and lease loss provision to assets | 0.3547% | 474 |
| Net operating income to assets | 2.7993% | 99 |
| Return on assets (ROA) | 2.7993% | 100 |
| Pretax return on assets | 2.7993% | 138 |
| Return on Equity (ROE) | 28.3473% | 53 |
| Retained earnings to average equity (ytd only) | 14.8737% | 110 |
| Net charge-offs to loans | 0.1447% | 1,815 |
| Credit loss provision to net charge-offs | 290.5618% | 1,009 |
| Earnings coverage of net charge-offs (x) | 25.8360% | 1,573 |
| Efficiency ratio | 65.7164% | 3,641 |
| Assets per employee ($millions) | 2.4533% | 5,678 |
| Cash dividends to net income (ytd only)* | 47.5304% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9319% | 757 |
| Loan loss allowance to noncurrent loans | 275.4824% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.7462% | 2,494 |
| Noncurrent loans to loans | 0.7013% | 2,790 |
| Net loans and leases to total assets | 77.6469% | 1,258 |
| Net loans and leases to deposits | 92.2502% | 1,415 |
| Net loans and leases to core deposits | 97.6990% | 1,786 |
| Total domestic deposits to total assets | 84.1699% | 3,362 |
| Equity capital to assets | 10.1784% | 3,509 |
| Core capital (leverage) ratio | 10.3176% | 3,084 |
| Tier 1 risk-based capital ratio | 14.2346% | 3,328 |
| Total risk-based capital ratio | 15.4960% | 3,248 |
| Memoranda: | ||
| Average total assets | $364,520,400 | 1,833 |
| Average earning assets | $338,880,800 | 1,834 |
| Average equity | $35,996,400 | 2,024 |
| Average total loans | $307,545,400 | 1,489 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4992% | 247 |
| Cost of funding earning assets | 0.3886% | 3,141 |
| Net interest margin | 5.1106% | 207 |
| Noninterest income to average assets | 4.6580% | 135 |
| Noninterest expense to average assets | 6.0218% | 167 |
| Loan and lease loss provision to assets | 0.4419% | 303 |
| Net operating income to assets | 2.9191% | 95 |
| Return on assets (ROA) | 2.9191% | 100 |
| Pretax return on assets | 2.9191% | 133 |
| Return on Equity (ROE) | 29.8035% | 41 |
| Retained earnings to average equity (ytd only) | 11.4623% | 362 |
| Net charge-offs to loans | 0.1322% | 1,649 |
| Credit loss provision to net charge-offs | 389.8693% | 854 |
| Earnings coverage of net charge-offs (x) | 29.6536% | 1,502 |
| Efficiency ratio | 64.1797% | 3,900 |
| Assets per employee ($millions) | 2.4687% | 5,739 |
| Cash dividends to net income (ytd only)* | 61.5404% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8327% | 948 |
| Loan loss allowance to noncurrent loans | 308.3726% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.7519% | 2,676 |
| Noncurrent loans to loans | 0.5943% | 3,225 |
| Net loans and leases to total assets | 83.5705% | 452 |
| Net loans and leases to deposits | 98.8164% | 791 |
| Net loans and leases to core deposits | 105.7690% | 1,207 |
| Total domestic deposits to total assets | 84.5715% | 3,001 |
| Equity capital to assets | 9.6984% | 4,467 |
| Core capital (leverage) ratio | 10.0417% | 3,514 |
| Tier 1 risk-based capital ratio | 12.6067% | 4,405 |
| Total risk-based capital ratio | 13.8666% | 4,304 |
| Memoranda: | ||
| Average total assets | $359,970,250 | 1,858 |
| Average earning assets | $332,792,500 | 1,863 |
| Average equity | $35,256,750 | 2,075 |
| Average total loans | $308,675,500 | 1,490 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4299% | 284 |
| Cost of funding earning assets | 0.3919% | 3,131 |
| Net interest margin | 5.0379% | 240 |
| Noninterest income to average assets | 4.4552% | 143 |
| Noninterest expense to average assets | 5.8883% | 174 |
| Loan and lease loss provision to assets | 0.6174% | 182 |
| Net operating income to assets | 2.6182% | 134 |
| Return on assets (ROA) | 2.6182% | 133 |
| Pretax return on assets | 2.6182% | 184 |
| Return on Equity (ROE) | 26.6392% | 70 |
| Retained earnings to average equity (ytd only) | 16.1157% | 115 |
| Net charge-offs to loans | -0.0145% | 4,829 |
| Credit loss provision to net charge-offs | -4,968.1818% | 5,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5369% | 3,927 |
| Assets per employee ($millions) | 2.3706% | 5,840 |
| Cash dividends to net income (ytd only)* | 39.5038% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8379% | 1,010 |
| Loan loss allowance to noncurrent loans | 221.4544% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 1.0168% | 2,108 |
| Noncurrent loans to loans | 0.8299% | 2,667 |
| Net loans and leases to total assets | 89.5502% | 79 |
| Net loans and leases to deposits | 106.3215% | 354 |
| Net loans and leases to core deposits | 114.5906% | 701 |
| Total domestic deposits to total assets | 84.2258% | 3,186 |
| Equity capital to assets | 9.9721% | 4,261 |
| Core capital (leverage) ratio | 10.1817% | 3,350 |
| Tier 1 risk-based capital ratio | 12.6723% | 4,402 |
| Total risk-based capital ratio | 13.9335% | 4,306 |
| Memoranda: | ||
| Average total assets | $354,056,670 | 1,887 |
| Average earning assets | $328,110,670 | 1,889 |
| Average equity | $34,798,330 | 2,100 |
| Average total loans | $304,384,670 | 1,509 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3264% | 337 |
| Cost of funding earning assets | 0.3956% | 3,125 |
| Net interest margin | 4.9308% | 296 |
| Noninterest income to average assets | 3.1629% | 186 |
| Noninterest expense to average assets | 5.4753% | 213 |
| Loan and lease loss provision to assets | 0.1721% | 1,192 |
| Net operating income to assets | 2.0921% | 285 |
| Return on assets (ROA) | 2.0921% | 298 |
| Pretax return on assets | 2.0921% | 472 |
| Return on Equity (ROE) | 21.4505% | 181 |
| Retained earnings to average equity (ytd only) | 9.1427% | 1,069 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7444% | 2,997 |
| Assets per employee ($millions) | 2.3152% | 5,921 |
| Cash dividends to net income (ytd only)* | 57.3779% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7423% | 1,262 |
| Loan loss allowance to noncurrent loans | 155.2077% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 1.9336% | 925 |
| Noncurrent loans to loans | 1.1226% | 2,150 |
| Net loans and leases to total assets | 83.1733% | 440 |
| Net loans and leases to deposits | 98.7348% | 707 |
| Net loans and leases to core deposits | 107.6219% | 985 |
| Total domestic deposits to total assets | 84.2391% | 3,431 |
| Equity capital to assets | 9.8344% | 4,296 |
| Core capital (leverage) ratio | 9.9295% | 3,626 |
| Tier 1 risk-based capital ratio | 12.7887% | 4,407 |
| Total risk-based capital ratio | 14.0469% | 4,311 |
| Memoranda: | ||
| Average total assets | $348,546,000 | 1,921 |
| Average earning assets | $323,518,500 | 1,918 |
| Average equity | $33,994,500 | 2,145 |
| Average total loans | $290,052,500 | 1,561 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3231% | 357 |
| Cost of funding earning assets | 0.3801% | 3,368 |
| Net interest margin | 4.9430% | 282 |
| Noninterest income to average assets | 3.0813% | 197 |
| Noninterest expense to average assets | 5.2428% | 236 |
| Loan and lease loss provision to assets | 0.4214% | 307 |
| Net operating income to assets | 2.0198% | 331 |
| Return on assets (ROA) | 2.0198% | 343 |
| Pretax return on assets | 2.0198% | 519 |
| Return on Equity (ROE) | 21.3949% | 195 |
| Retained earnings to average equity (ytd only) | 8.6131% | 752 |
| Net charge-offs to loans | 0.3026% | 996 |
| Credit loss provision to net charge-offs | 167.0574% | 1,614 |
| Earnings coverage of net charge-offs (x) | 9.6788% | 2,792 |
| Efficiency ratio | 68.2303% | 3,523 |
| Assets per employee ($millions) | 2.3322% | 5,960 |
| Cash dividends to net income (ytd only)* | 59.7424% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7619% | 1,211 |
| Loan loss allowance to noncurrent loans | 172.5957% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 1.8041% | 1,054 |
| Noncurrent loans to loans | 1.0208% | 2,298 |
| Net loans and leases to total assets | 80.3380% | 794 |
| Net loans and leases to deposits | 95.4117% | 1,077 |
| Net loans and leases to core deposits | 104.7385% | 1,183 |
| Total domestic deposits to total assets | 84.2014% | 3,399 |
| Equity capital to assets | 9.6716% | 4,340 |
| Core capital (leverage) ratio | 9.7183% | 3,882 |
| Tier 1 risk-based capital ratio | 12.9600% | 4,351 |
| Total risk-based capital ratio | 14.2185% | 4,247 |
| Memoranda: | ||
| Average total assets | $338,198,400 | 1,936 |
| Average earning assets | $314,908,000 | 1,924 |
| Average equity | $31,928,200 | 2,206 |
| Average total loans | $281,879,200 | 1,545 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3358% | 353 |
| Cost of funding earning assets | 0.3797% | 3,442 |
| Net interest margin | 4.9561% | 281 |
| Noninterest income to average assets | 3.1507% | 200 |
| Noninterest expense to average assets | 5.3010% | 231 |
| Loan and lease loss provision to assets | 0.3771% | 336 |
| Net operating income to assets | 2.0896% | 312 |
| Return on assets (ROA) | 2.0896% | 334 |
| Pretax return on assets | 2.0896% | 514 |
| Return on Equity (ROE) | 22.2751% | 186 |
| Retained earnings to average equity (ytd only) | 4.9975% | 2,921 |
| Net charge-offs to loans | 0.0825% | 2,372 |
| Credit loss provision to net charge-offs | 545.9770% | 606 |
| Earnings coverage of net charge-offs (x) | 35.7133% | 1,341 |
| Efficiency ratio | 68.2441% | 3,494 |
| Assets per employee ($millions) | 2.3464% | 6,036 |
| Cash dividends to net income (ytd only)* | 77.5645% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7892% | 1,290 |
| Loan loss allowance to noncurrent loans | 143.0140% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 1.9856% | 1,037 |
| Noncurrent loans to loans | 1.2511% | 2,033 |
| Net loans and leases to total assets | 83.4800% | 427 |
| Net loans and leases to deposits | 99.0414% | 720 |
| Net loans and leases to core deposits | 108.5268% | 951 |
| Total domestic deposits to total assets | 84.2880% | 3,308 |
| Equity capital to assets | 9.3537% | 4,936 |
| Core capital (leverage) ratio | 9.3754% | 4,474 |
| Tier 1 risk-based capital ratio | 11.9120% | 5,133 |
| Total risk-based capital ratio | 13.1704% | 5,049 |
| Memoranda: | ||
| Average total assets | $335,875,000 | 1,965 |
| Average earning assets | $312,896,500 | 1,948 |
| Average equity | $31,508,250 | 2,239 |
| Average total loans | $281,305,250 | 1,554 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2558% | 392 |
| Cost of funding earning assets | 0.3788% | 3,510 |
| Net interest margin | 4.8771% | 311 |
| Noninterest income to average assets | 2.9439% | 221 |
| Noninterest expense to average assets | 5.1252% | 264 |
| Loan and lease loss provision to assets | 0.4796% | 214 |
| Net operating income to assets | 1.8930% | 436 |
| Return on assets (ROA) | 1.8930% | 454 |
| Pretax return on assets | 1.8930% | 744 |
| Return on Equity (ROE) | 20.1596% | 257 |
| Retained earnings to average equity (ytd only) | 2.9556% | 4,154 |
| Net charge-offs to loans | 0.0698% | 2,397 |
| Credit loss provision to net charge-offs | 824.7423% | 420 |
| Earnings coverage of net charge-offs (x) | 40.8041% | 1,121 |
| Efficiency ratio | 68.3563% | 3,623 |
| Assets per employee ($millions) | 2.4081% | 6,076 |
| Cash dividends to net income (ytd only)* | 85.3388% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7718% | 1,428 |
| Loan loss allowance to noncurrent loans | 122.2222% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 2.0908% | 1,035 |
| Noncurrent loans to loans | 1.4497% | 1,841 |
| Net loans and leases to total assets | 84.4740% | 341 |
| Net loans and leases to deposits | 100.1097% | 651 |
| Net loans and leases to core deposits | 108.6469% | 914 |
| Total domestic deposits to total assets | 84.3815% | 3,408 |
| Equity capital to assets | 9.2929% | 4,901 |
| Core capital (leverage) ratio | 9.3953% | 4,428 |
| Tier 1 risk-based capital ratio | 11.5073% | 5,462 |
| Total risk-based capital ratio | 12.7652% | 5,376 |
| Memoranda: | ||
| Average total assets | $333,642,670 | 1,991 |
| Average earning assets | $311,539,670 | 1,969 |
| Average equity | $31,330,000 | 2,260 |
| Average total loans | $278,010,670 | 1,575 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2713% | 369 |
| Cost of funding earning assets | 0.3766% | 3,579 |
| Net interest margin | 4.8946% | 303 |
| Noninterest income to average assets | 2.6948% | 246 |
| Noninterest expense to average assets | 4.7292% | 365 |
| Loan and lease loss provision to assets | 0.7231% | 120 |
| Net operating income to assets | 1.8162% | 469 |
| Return on assets (ROA) | 1.8162% | 496 |
| Pretax return on assets | 1.8162% | 843 |
| Return on Equity (ROE) | 19.2403% | 306 |
| Retained earnings to average equity (ytd only) | 11.5800% | 632 |
| Net charge-offs to loans | 0.0515% | 2,266 |
| Credit loss provision to net charge-offs | 1,714.2857% | 226 |
| Earnings coverage of net charge-offs (x) | 60.2000% | 734 |
| Efficiency ratio | 65.0638% | 4,305 |
| Assets per employee ($millions) | 2.4841% | 6,120 |
| Cash dividends to net income (ytd only)* | 39.8142% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7934% | 1,510 |
| Loan loss allowance to noncurrent loans | 511.6684% | 999 |
| Noncurrent assets plus other real estate owned to assets | 1.0708% | 2,472 |
| Noncurrent loans to loans | 0.3505% | 4,541 |
| Net loans and leases to total assets | 81.6300% | 500 |
| Net loans and leases to deposits | 96.8372% | 781 |
| Net loans and leases to core deposits | 104.8128% | 1,010 |
| Total domestic deposits to total assets | 84.2961% | 3,699 |
| Equity capital to assets | 9.4759% | 4,777 |
| Core capital (leverage) ratio | 9.7412% | 3,967 |
| Tier 1 risk-based capital ratio | 11.6854% | 5,446 |
| Total risk-based capital ratio | 12.9453% | 5,341 |
| Memoranda: | ||
| Average total assets | $331,895,000 | 2,010 |
| Average earning assets | $310,135,000 | 1,986 |
| Average equity | $31,330,000 | 2,271 |
| Average total loans | $272,050,500 | 1,609 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2405% | 485 |
| Cost of funding earning assets | 0.4130% | 3,567 |
| Net interest margin | 4.8276% | 411 |
| Noninterest income to average assets | 2.5954% | 227 |
| Noninterest expense to average assets | 4.9239% | 324 |
| Loan and lease loss provision to assets | 0.2036% | 1,240 |
| Net operating income to assets | 1.9342% | 368 |
| Return on assets (ROA) | 1.9342% | 381 |
| Pretax return on assets | 1.9342% | 588 |
| Return on Equity (ROE) | 21.2524% | 196 |
| Retained earnings to average equity (ytd only) | 9.1431% | 679 |
| Net charge-offs to loans | 0.0994% | 3,089 |
| Credit loss provision to net charge-offs | 253.9063% | 1,003 |
| Earnings coverage of net charge-offs (x) | 26.6641% | 1,457 |
| Efficiency ratio | 69.7268% | 3,577 |
| Assets per employee ($millions) | 2.4900% | 6,167 |
| Cash dividends to net income (ytd only)* | 56.9786% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5768% | 2,169 |
| Loan loss allowance to noncurrent loans | 669.4400% | 850 |
| Noncurrent assets plus other real estate owned to assets | 1.0186% | 2,707 |
| Noncurrent loans to loans | 0.2355% | 4,987 |
| Net loans and leases to total assets | 79.4584% | 813 |
| Net loans and leases to deposits | 94.4208% | 1,041 |
| Net loans and leases to core deposits | 102.3638% | 1,223 |
| Total domestic deposits to total assets | 84.1535% | 3,646 |
| Equity capital to assets | 9.3957% | 4,850 |
| Core capital (leverage) ratio | 9.2036% | 4,676 |
| Tier 1 risk-based capital ratio | 12.3663% | 5,117 |
| Total risk-based capital ratio | 13.6217% | 5,036 |
| Memoranda: | ||
| Average total assets | $319,301,800 | 2,036 |
| Average earning assets | $295,408,000 | 2,031 |
| Average equity | $29,060,200 | 2,340 |
| Average total loans | $257,514,400 | 1,648 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2230% | 493 |
| Cost of funding earning assets | 0.4135% | 3,646 |
| Net interest margin | 4.8096% | 418 |
| Noninterest income to average assets | 2.5702% | 233 |
| Noninterest expense to average assets | 4.9330% | 323 |
| Loan and lease loss provision to assets | 0.2103% | 1,101 |
| Net operating income to assets | 1.8648% | 448 |
| Return on assets (ROA) | 1.8648% | 462 |
| Pretax return on assets | 1.8648% | 770 |
| Return on Equity (ROE) | 20.6627% | 243 |
| Retained earnings to average equity (ytd only) | 4.2603% | 3,619 |
| Net charge-offs to loans | 0.0157% | 4,232 |
| Credit loss provision to net charge-offs | 1,666.6667% | 214 |
| Earnings coverage of net charge-offs (x) | 164.4293% | 382 |
| Efficiency ratio | 70.3902% | 3,442 |
| Assets per employee ($millions) | 2.5605% | 6,183 |
| Cash dividends to net income (ytd only)* | 79.3818% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6309% | 2,196 |
| Loan loss allowance to noncurrent loans | 537.3266% | 915 |
| Noncurrent assets plus other real estate owned to assets | 1.0830% | 2,793 |
| Noncurrent loans to loans | 0.3035% | 4,998 |
| Net loans and leases to total assets | 77.2098% | 1,066 |
| Net loans and leases to deposits | 91.0320% | 1,325 |
| Net loans and leases to core deposits | 97.7823% | 1,533 |
| Total domestic deposits to total assets | 84.8162% | 3,413 |
| Equity capital to assets | 8.7588% | 5,589 |
| Core capital (leverage) ratio | 8.8430% | 5,280 |
| Tier 1 risk-based capital ratio | 11.9941% | 5,486 |
| Total risk-based capital ratio | 13.2504% | 5,403 |
| Memoranda: | ||
| Average total assets | $316,956,250 | 2,066 |
| Average earning assets | $292,466,250 | 2,063 |
| Average equity | $28,604,750 | 2,382 |
| Average total loans | $255,555,250 | 1,665 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2191% | 490 |
| Cost of funding earning assets | 0.4124% | 3,743 |
| Net interest margin | 4.8067% | 410 |
| Noninterest income to average assets | 2.3988% | 257 |
| Noninterest expense to average assets | 4.9119% | 329 |
| Loan and lease loss provision to assets | 0.2246% | 1,028 |
| Net operating income to assets | 1.6826% | 595 |
| Return on assets (ROA) | 1.6826% | 632 |
| Pretax return on assets | 1.6826% | 1,054 |
| Return on Equity (ROE) | 18.4509% | 415 |
| Retained earnings to average equity (ytd only) | 2.8570% | 4,388 |
| Net charge-offs to loans | 0.0252% | 3,696 |
| Credit loss provision to net charge-offs | 1,093.7500% | 308 |
| Earnings coverage of net charge-offs (x) | 92.8750% | 585 |
| Efficiency ratio | 72.0309% | 3,334 |
| Assets per employee ($millions) | 2.4768% | 6,309 |
| Cash dividends to net income (ytd only)* | 84.5156% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5579% | 2,637 |
| Loan loss allowance to noncurrent loans | 499.7567% | 929 |
| Noncurrent assets plus other real estate owned to assets | 1.1507% | 2,772 |
| Noncurrent loans to loans | 0.3117% | 5,080 |
| Net loans and leases to total assets | 79.3952% | 756 |
| Net loans and leases to deposits | 93.6158% | 997 |
| Net loans and leases to core deposits | 100.8716% | 1,210 |
| Total domestic deposits to total assets | 84.8096% | 3,600 |
| Equity capital to assets | 8.7669% | 5,552 |
| Core capital (leverage) ratio | 8.9932% | 5,025 |
| Tier 1 risk-based capital ratio | 11.6660% | 5,711 |
| Total risk-based capital ratio | 12.9212% | 5,657 |
| Memoranda: | ||
| Average total assets | $311,652,670 | 2,100 |
| Average earning assets | $286,602,670 | 2,097 |
| Average equity | $28,421,330 | 2,381 |
| Average total loans | $253,651,330 | 1,674 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1924% | 491 |
| Cost of funding earning assets | 0.4121% | 3,836 |
| Net interest margin | 4.7803% | 397 |
| Noninterest income to average assets | 2.0894% | 313 |
| Noninterest expense to average assets | 4.8473% | 345 |
| Loan and lease loss provision to assets | 0.2632% | 798 |
| Net operating income to assets | 1.3750% | 1,050 |
| Return on assets (ROA) | 1.3750% | 1,089 |
| Pretax return on assets | 1.3750% | 1,835 |
| Return on Equity (ROE) | 14.7701% | 814 |
| Retained earnings to average equity (ytd only) | 0.5088% | 5,378 |
| Net charge-offs to loans | 0.0290% | 3,003 |
| Credit loss provision to net charge-offs | 1,111.1111% | 290 |
| Earnings coverage of net charge-offs (x) | 69.1667% | 596 |
| Efficiency ratio | 74.7413% | 3,010 |
| Assets per employee ($millions) | 2.2254% | 6,506 |
| Cash dividends to net income (ytd only)* | 96.5550% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5734% | 2,821 |
| Loan loss allowance to noncurrent loans | 678.9744% | 728 |
| Noncurrent assets plus other real estate owned to assets | 1.2331% | 2,790 |
| Noncurrent loans to loans | 0.2317% | 5,407 |
| Net loans and leases to total assets | 79.7495% | 577 |
| Net loans and leases to deposits | 94.6278% | 737 |
| Net loans and leases to core deposits | 102.5748% | 953 |
| Total domestic deposits to total assets | 84.2770% | 4,173 |
| Equity capital to assets | 9.0868% | 5,014 |
| Core capital (leverage) ratio | 9.3946% | 4,428 |
| Tier 1 risk-based capital ratio | 11.8359% | 5,738 |
| Total risk-based capital ratio | 13.0911% | 5,671 |
| Memoranda: | ||
| Average total assets | $304,007,000 | 2,156 |
| Average earning assets | $279,564,500 | 2,149 |
| Average equity | $28,300,500 | 2,384 |
| Average total loans | $248,634,000 | 1,706 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4439% | 400 |
| Cost of funding earning assets | 0.4016% | 4,639 |
| Net interest margin | 5.0423% | 292 |
| Noninterest income to average assets | 3.1009% | 221 |
| Noninterest expense to average assets | 5.3171% | 279 |
| Loan and lease loss provision to assets | 0.3614% | 867 |
| Net operating income to assets | 2.0594% | 305 |
| Return on assets (ROA) | 2.0674% | 304 |
| Pretax return on assets | 2.0674% | 415 |
| Return on Equity (ROE) | 21.5163% | 209 |
| Retained earnings to average equity (ytd only) | 9.7145% | 618 |
| Net charge-offs to loans | 0.5464% | 1,214 |
| Credit loss provision to net charge-offs | 80.3859% | 3,037 |
| Earnings coverage of net charge-offs (x) | 5.3850% | 3,315 |
| Efficiency ratio | 68.7153% | 4,061 |
| Assets per employee ($millions) | 2.0877% | 6,612 |
| Cash dividends to net income (ytd only)* | 54.8506% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5480% | 2,967 |
| Loan loss allowance to noncurrent loans | 490.2975% | 992 |
| Noncurrent assets plus other real estate owned to assets | 1.3641% | 2,706 |
| Noncurrent loans to loans | 0.3157% | 5,241 |
| Net loans and leases to total assets | 81.3073% | 468 |
| Net loans and leases to deposits | 97.4836% | 623 |
| Net loans and leases to core deposits | 105.2669% | 834 |
| Total domestic deposits to total assets | 83.4061% | 4,396 |
| Equity capital to assets | 9.5429% | 4,362 |
| Core capital (leverage) ratio | 9.5559% | 4,183 |
| Tier 1 risk-based capital ratio | 11.9849% | 5,619 |
| Total risk-based capital ratio | 13.1989% | 5,586 |
| Memoranda: | ||
| Average total assets | $276,729,800 | 2,299 |
| Average earning assets | $254,488,000 | 2,290 |
| Average equity | $26,589,200 | 2,497 |
| Average total loans | $227,655,000 | 1,800 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3909% | 451 |
| Cost of funding earning assets | 0.3939% | 4,871 |
| Net interest margin | 4.9970% | 319 |
| Noninterest income to average assets | 3.0301% | 234 |
| Noninterest expense to average assets | 5.3008% | 281 |
| Loan and lease loss provision to assets | 0.4415% | 651 |
| Net operating income to assets | 1.8866% | 447 |
| Return on assets (ROA) | 1.8866% | 455 |
| Pretax return on assets | 1.8866% | 727 |
| Return on Equity (ROE) | 19.5990% | 329 |
| Retained earnings to average equity (ytd only) | 6.2374% | 2,266 |
| Net charge-offs to loans | 0.6936% | 866 |
| Credit loss provision to net charge-offs | 77.4527% | 2,907 |
| Earnings coverage of net charge-offs (x) | 4.0843% | 3,542 |
| Efficiency ratio | 69.4830% | 3,840 |
| Assets per employee ($millions) | 2.1098% | 6,673 |
| Cash dividends to net income (ytd only)* | 68.1747% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5496% | 3,231 |
| Loan loss allowance to noncurrent loans | 409.1106% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 1.4430% | 2,787 |
| Noncurrent loans to loans | 0.3788% | 5,267 |
| Net loans and leases to total assets | 82.9111% | 299 |
| Net loans and leases to deposits | 99.3945% | 492 |
| Net loans and leases to core deposits | 107.1872% | 698 |
| Total domestic deposits to total assets | 83.4162% | 4,407 |
| Equity capital to assets | 9.3243% | 4,768 |
| Core capital (leverage) ratio | 9.6017% | 4,241 |
| Tier 1 risk-based capital ratio | 11.8745% | 5,862 |
| Total risk-based capital ratio | 13.1245% | 5,803 |
| Memoranda: | ||
| Average total assets | $271,799,250 | 2,344 |
| Average earning assets | $250,141,750 | 2,338 |
| Average equity | $26,164,000 | 2,570 |
| Average total loans | $223,362,000 | 1,833 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2826% | 541 |
| Cost of funding earning assets | 0.3919% | 5,015 |
| Net interest margin | 4.8906% | 376 |
| Noninterest income to average assets | 2.9851% | 255 |
| Noninterest expense to average assets | 5.2960% | 291 |
| Loan and lease loss provision to assets | 0.4510% | 643 |
| Net operating income to assets | 1.7500% | 573 |
| Return on assets (ROA) | 1.7500% | 616 |
| Pretax return on assets | 1.7500% | 1,018 |
| Return on Equity (ROE) | 17.9757% | 461 |
| Retained earnings to average equity (ytd only) | 2.7489% | 4,565 |
| Net charge-offs to loans | 0.9378% | 657 |
| Credit loss provision to net charge-offs | 59.0551% | 3,039 |
| Earnings coverage of net charge-offs (x) | 2.8819% | 3,559 |
| Efficiency ratio | 70.6407% | 3,703 |
| Assets per employee ($millions) | 1.8708% | 6,784 |
| Cash dividends to net income (ytd only)* | 84.7079% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5579% | 3,328 |
| Loan loss allowance to noncurrent loans | 342.2895% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.6407% | 4,630 |
| Noncurrent loans to loans | 0.4551% | 5,125 |
| Net loans and leases to total assets | 83.7053% | 253 |
| Net loans and leases to deposits | 100.9832% | 378 |
| Net loans and leases to core deposits | 107.0843% | 684 |
| Total domestic deposits to total assets | 82.8903% | 4,742 |
| Equity capital to assets | 9.5551% | 4,508 |
| Core capital (leverage) ratio | 9.7978% | 3,794 |
| Tier 1 risk-based capital ratio | 12.0860% | 5,745 |
| Total risk-based capital ratio | 13.3413% | 5,688 |
| Memoranda: | ||
| Average total assets | $266,052,000 | 2,404 |
| Average earning assets | $245,448,670 | 2,394 |
| Average equity | $25,901,670 | 2,593 |
| Average total loans | $216,676,330 | 1,884 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3127% | 504 |
| Cost of funding earning assets | 0.4013% | 5,088 |
| Net interest margin | 4.9114% | 332 |
| Noninterest income to average assets | 2.7961% | 277 |
| Noninterest expense to average assets | 5.0283% | 361 |
| Loan and lease loss provision to assets | 0.4571% | 620 |
| Net operating income to assets | 1.8239% | 458 |
| Return on assets (ROA) | 1.8239% | 511 |
| Pretax return on assets | 1.8239% | 845 |
| Return on Equity (ROE) | 18.5556% | 399 |
| Retained earnings to average equity (ytd only) | -0.0155% | 5,777 |
| Net charge-offs to loans | 1.2313% | 469 |
| Credit loss provision to net charge-offs | 46.6563% | 2,649 |
| Earnings coverage of net charge-offs (x) | 2.3281% | 3,071 |
| Efficiency ratio | 68.7930% | 4,177 |
| Assets per employee ($millions) | 1.9427% | 6,856 |
| Cash dividends to net income (ytd only)* | 100.0835% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7881% | 2,657 |
| Loan loss allowance to noncurrent loans | 215.2187% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.7615% | 4,474 |
| Noncurrent loans to loans | 0.8308% | 4,462 |
| Net loans and leases to total assets | 76.7305% | 743 |
| Net loans and leases to deposits | 92.9519% | 734 |
| Net loans and leases to core deposits | 98.4757% | 1,045 |
| Total domestic deposits to total assets | 82.5486% | 5,011 |
| Equity capital to assets | 9.7628% | 4,477 |
| Core capital (leverage) ratio | 9.8335% | 3,618 |
| Tier 1 risk-based capital ratio | 13.3537% | 4,968 |
| Total risk-based capital ratio | 14.6103% | 4,918 |
| Memoranda: | ||
| Average total assets | $262,512,500 | 2,468 |
| Average earning assets | $241,235,500 | 2,463 |
| Average equity | $25,803,500 | 2,632 |
| Average total loans | $208,893,000 | 1,953 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5508% | 568 |
| Cost of funding earning assets | 0.4774% | 5,371 |
| Net interest margin | 5.0734% | 334 |
| Noninterest income to average assets | 2.3503% | 341 |
| Noninterest expense to average assets | 4.4560% | 598 |
| Loan and lease loss provision to assets | 0.3887% | 1,677 |
| Net operating income to assets | 1.9631% | 384 |
| Return on assets (ROA) | 1.9631% | 415 |
| Pretax return on assets | 1.9631% | 649 |
| Return on Equity (ROE) | 20.5391% | 280 |
| Retained earnings to average equity (ytd only) | 7.5039% | 1,337 |
| Net charge-offs to loans | 0.0271% | 5,520 |
| Credit loss provision to net charge-offs | 1,818.1818% | 128 |
| Earnings coverage of net charge-offs (x) | 110.0000% | 349 |
| Efficiency ratio | 65.4542% | 4,610 |
| Assets per employee ($millions) | 2.1555% | 6,853 |
| Cash dividends to net income (ytd only)* | 63.4653% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9085% | 2,272 |
| Loan loss allowance to noncurrent loans | 179.6082% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.9681% | 4,087 |
| Noncurrent loans to loans | 1.0626% | 4,089 |
| Net loans and leases to total assets | 79.4937% | 518 |
| Net loans and leases to deposits | 96.6641% | 580 |
| Net loans and leases to core deposits | 102.6274% | 851 |
| Total domestic deposits to total assets | 82.2370% | 5,019 |
| Equity capital to assets | 9.8970% | 4,316 |
| Core capital (leverage) ratio | 9.8975% | 3,549 |
| Tier 1 risk-based capital ratio | 13.1434% | 5,008 |
| Total risk-based capital ratio | 14.4037% | 4,945 |
| Memoranda: | ||
| Average total assets | $257,248,200 | 2,464 |
| Average earning assets | $226,020,200 | 2,556 |
| Average equity | $24,587,200 | 2,701 |
| Average total loans | $202,929,600 | 1,981 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6195% | 540 |
| Cost of funding earning assets | 0.4949% | 5,469 |
| Net interest margin | 5.1246% | 323 |
| Noninterest income to average assets | 2.2442% | 357 |
| Noninterest expense to average assets | 4.3938% | 605 |
| Loan and lease loss provision to assets | 0.3641% | 1,788 |
| Net operating income to assets | 1.9400% | 415 |
| Return on assets (ROA) | 1.9400% | 480 |
| Pretax return on assets | 1.9400% | 794 |
| Return on Equity (ROE) | 20.4821% | 305 |
| Retained earnings to average equity (ytd only) | 2.8829% | 4,823 |
| Net charge-offs to loans | 0.0372% | 5,126 |
| Credit loss provision to net charge-offs | 1,250.0000% | 219 |
| Earnings coverage of net charge-offs (x) | 79.1122% | 520 |
| Efficiency ratio | 65.6002% | 4,522 |
| Assets per employee ($millions) | 2.2105% | 6,913 |
| Cash dividends to net income (ytd only)* | 85.9250% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8535% | 2,634 |
| Loan loss allowance to noncurrent loans | 170.2234% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.9651% | 4,353 |
| Noncurrent loans to loans | 1.0889% | 4,262 |
| Net loans and leases to total assets | 76.4290% | 906 |
| Net loans and leases to deposits | 92.7836% | 894 |
| Net loans and leases to core deposits | 98.7136% | 1,212 |
| Total domestic deposits to total assets | 82.3733% | 4,887 |
| Equity capital to assets | 9.4830% | 5,227 |
| Core capital (leverage) ratio | 9.5819% | 4,143 |
| Tier 1 risk-based capital ratio | 13.1286% | 5,149 |
| Total risk-based capital ratio | 14.3879% | 5,102 |
| Memoranda: | ||
| Average total assets | $256,356,000 | 2,494 |
| Average earning assets | $222,789,500 | 2,609 |
| Average equity | $24,280,750 | 2,754 |
| Average total loans | $200,820,250 | 2,019 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7682% | 426 |
| Cost of funding earning assets | 0.5179% | 5,497 |
| Net interest margin | 5.2502% | 264 |
| Noninterest income to average assets | 1.9867% | 413 |
| Noninterest expense to average assets | 4.1777% | 751 |
| Loan and lease loss provision to assets | 0.3130% | 2,107 |
| Net operating income to assets | 1.9695% | 414 |
| Return on assets (ROA) | 1.9695% | 477 |
| Pretax return on assets | 1.9695% | 729 |
| Return on Equity (ROE) | 20.8025% | 301 |
| Retained earnings to average equity (ytd only) | 3.0993% | 4,573 |
| Net charge-offs to loans | 0.0558% | 4,635 |
| Credit loss provision to net charge-offs | 714.2857% | 443 |
| Earnings coverage of net charge-offs (x) | 52.0893% | 705 |
| Efficiency ratio | 64.6681% | 4,774 |
| Assets per employee ($millions) | 2.3242% | 6,891 |
| Cash dividends to net income (ytd only)* | 85.1013% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7180% | 3,151 |
| Loan loss allowance to noncurrent loans | 288.0034% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.5812% | 5,315 |
| Noncurrent loans to loans | 0.5965% | 5,321 |
| Net loans and leases to total assets | 75.4472% | 1,040 |
| Net loans and leases to deposits | 91.2112% | 1,028 |
| Net loans and leases to core deposits | 96.9569% | 1,354 |
| Total domestic deposits to total assets | 82.7170% | 4,869 |
| Equity capital to assets | 9.3651% | 5,241 |
| Core capital (leverage) ratio | 9.4977% | 4,144 |
| Tier 1 risk-based capital ratio | 13.0261% | 5,169 |
| Total risk-based capital ratio | 14.2833% | 5,139 |
| Memoranda: | ||
| Average total assets | $255,597,670 | 2,491 |
| Average earning assets | $217,782,000 | 2,671 |
| Average equity | $24,199,000 | 2,749 |
| Average total loans | $200,626,330 | 2,015 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0779% | 273 |
| Cost of funding earning assets | 0.5596% | 5,435 |
| Net interest margin | 5.5184% | 176 |
| Noninterest income to average assets | 1.6332% | 544 |
| Noninterest expense to average assets | 3.9425% | 1,002 |
| Loan and lease loss provision to assets | 0.2369% | 2,573 |
| Net operating income to assets | 1.9712% | 442 |
| Return on assets (ROA) | 1.9712% | 510 |
| Pretax return on assets | 1.9712% | 775 |
| Return on Equity (ROE) | 20.7055% | 337 |
| Retained earnings to average equity (ytd only) | 3.2021% | 4,646 |
| Net charge-offs to loans | 0.0239% | 4,354 |
| Credit loss provision to net charge-offs | 1,250.0000% | 277 |
| Earnings coverage of net charge-offs (x) | 116.5000% | 303 |
| Efficiency ratio | 64.0986% | 4,903 |
| Assets per employee ($millions) | 2.5003% | 6,847 |
| Cash dividends to net income (ytd only)* | 84.5353% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6063% | 3,697 |
| Loan loss allowance to noncurrent loans | 279.6360% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.8423% | 4,848 |
| Noncurrent loans to loans | 0.5744% | 5,520 |
| Net loans and leases to total assets | 78.2777% | 564 |
| Net loans and leases to deposits | 95.0699% | 594 |
| Net loans and leases to core deposits | 100.8361% | 937 |
| Total domestic deposits to total assets | 82.3371% | 5,179 |
| Equity capital to assets | 9.5886% | 4,662 |
| Core capital (leverage) ratio | 9.5955% | 3,927 |
| Tier 1 risk-based capital ratio | 12.9020% | 5,282 |
| Total risk-based capital ratio | 13.9128% | 5,439 |
| Memoranda: | ||
| Average total assets | $253,242,500 | 2,536 |
| Average earning assets | $207,308,000 | 2,807 |
| Average equity | $24,109,500 | 2,758 |
| Average total loans | $201,025,500 | 2,027 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2654% | 271 |
| Cost of funding earning assets | 0.6466% | 5,846 |
| Net interest margin | 5.6188% | 147 |
| Noninterest income to average assets | 0.8564% | 1,818 |
| Noninterest expense to average assets | 3.5117% | 1,953 |
| Loan and lease loss provision to assets | 0.2344% | 3,859 |
| Net operating income to assets | 1.7683% | 491 |
| Return on assets (ROA) | 1.7683% | 528 |
| Pretax return on assets | 1.7683% | 860 |
| Return on Equity (ROE) | 19.2062% | 301 |
| Retained earnings to average equity (ytd only) | 10.4001% | 491 |
| Net charge-offs to loans | 0.1205% | 5,178 |
| Credit loss provision to net charge-offs | 250.0000% | 958 |
| Earnings coverage of net charge-offs (x) | 21.3609% | 1,097 |
| Efficiency ratio | 63.6827% | 5,180 |
| Assets per employee ($millions) | 2.5914% | 6,728 |
| Cash dividends to net income (ytd only)* | 45.8506% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5357% | 3,849 |
| Loan loss allowance to noncurrent loans | 268.6087% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.8797% | 4,862 |
| Noncurrent loans to loans | 0.5717% | 5,567 |
| Net loans and leases to total assets | 77.9903% | 711 |
| Net loans and leases to deposits | 94.7384% | 758 |
| Net loans and leases to core deposits | 98.8555% | 1,271 |
| Total domestic deposits to total assets | 82.3217% | 5,020 |
| Equity capital to assets | 9.4524% | 4,960 |
| Core capital (leverage) ratio | 9.4324% | 4,140 |
| Tier 1 risk-based capital ratio | 12.6298% | 5,346 |
| Total risk-based capital ratio | 13.8844% | 5,334 |
| Memoranda: | ||
| Average total assets | $245,323,400 | 2,577 |
| Average earning assets | $203,371,400 | 2,809 |
| Average equity | $22,586,400 | 2,827 |
| Average total loans | $190,794,800 | 2,124 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1532% | 357 |
| Cost of funding earning assets | 0.6641% | 5,966 |
| Net interest margin | 5.4892% | 176 |
| Noninterest income to average assets | 0.8197% | 1,961 |
| Noninterest expense to average assets | 3.4867% | 1,974 |
| Loan and lease loss provision to assets | 0.2056% | 3,966 |
| Net operating income to assets | 1.6915% | 644 |
| Return on assets (ROA) | 1.6915% | 708 |
| Pretax return on assets | 1.6915% | 1,163 |
| Return on Equity (ROE) | 18.5016% | 417 |
| Retained earnings to average equity (ytd only) | 6.5730% | 2,211 |
| Net charge-offs to loans | 0.0496% | 5,489 |
| Credit loss provision to net charge-offs | 535.7143% | 515 |
| Earnings coverage of net charge-offs (x) | 49.4291% | 649 |
| Efficiency ratio | 64.7622% | 4,943 |
| Assets per employee ($millions) | 2.8727% | 6,366 |
| Cash dividends to net income (ytd only)* | 64.4732% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5746% | 3,779 |
| Loan loss allowance to noncurrent loans | 170.3352% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.9877% | 4,775 |
| Noncurrent loans to loans | 0.9244% | 5,033 |
| Net loans and leases to total assets | 75.3884% | 1,077 |
| Net loans and leases to deposits | 91.2426% | 1,078 |
| Net loans and leases to core deposits | 93.7659% | 1,814 |
| Total domestic deposits to total assets | 82.6242% | 4,827 |
| Equity capital to assets | 9.0138% | 5,742 |
| Core capital (leverage) ratio | 9.2224% | 4,586 |
| Tier 1 risk-based capital ratio | 12.2971% | 5,669 |
| Total risk-based capital ratio | 13.5522% | 5,650 |
| Memoranda: | ||
| Average total assets | $243,165,250 | 2,604 |
| Average earning assets | $202,187,500 | 2,829 |
| Average equity | $22,231,750 | 2,863 |
| Average total loans | $188,206,000 | 2,167 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0265% | 459 |
| Cost of funding earning assets | 0.6786% | 6,075 |
| Net interest margin | 5.3479% | 225 |
| Noninterest income to average assets | 0.8602% | 1,771 |
| Noninterest expense to average assets | 3.5215% | 1,929 |
| Loan and lease loss provision to assets | 0.1875% | 4,038 |
| Net operating income to assets | 1.6703% | 635 |
| Return on assets (ROA) | 1.6703% | 679 |
| Pretax return on assets | 1.6703% | 1,110 |
| Return on Equity (ROE) | 18.1796% | 456 |
| Retained earnings to average equity (ytd only) | 6.5588% | 2,109 |
| Net charge-offs to loans | 0.0676% | 4,962 |
| Credit loss provision to net charge-offs | 357.1429% | 857 |
| Earnings coverage of net charge-offs (x) | 35.3810% | 815 |
| Efficiency ratio | 65.4633% | 4,974 |
| Assets per employee ($millions) | 2.7344% | 6,587 |
| Cash dividends to net income (ytd only)* | 63.9222% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5240% | 4,018 |
| Loan loss allowance to noncurrent loans | 232.1885% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.7534% | 5,397 |
| Noncurrent loans to loans | 0.6564% | 5,602 |
| Net loans and leases to total assets | 78.0617% | 773 |
| Net loans and leases to deposits | 95.1720% | 784 |
| Net loans and leases to core deposits | 98.0836% | 1,498 |
| Total domestic deposits to total assets | 82.0217% | 5,158 |
| Equity capital to assets | 9.3102% | 5,123 |
| Core capital (leverage) ratio | 9.2392% | 4,339 |
| Tier 1 risk-based capital ratio | 12.2126% | 5,601 |
| Total risk-based capital ratio | 13.4669% | 5,577 |
| Memoranda: | ||
| Average total assets | $239,953,670 | 2,658 |
| Average earning assets | $202,772,000 | 2,839 |
| Average equity | $22,046,670 | 2,871 |
| Average total loans | $186,397,670 | 2,208 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8456% | 675 |
| Cost of funding earning assets | 0.6868% | 6,213 |
| Net interest margin | 5.1588% | 274 |
| Noninterest income to average assets | 0.8597% | 1,815 |
| Noninterest expense to average assets | 3.5373% | 1,912 |
| Loan and lease loss provision to assets | 0.1252% | 4,432 |
| Net operating income to assets | 1.6109% | 676 |
| Return on assets (ROA) | 1.6109% | 717 |
| Pretax return on assets | 1.6109% | 1,165 |
| Return on Equity (ROE) | 17.6510% | 510 |
| Retained earnings to average equity (ytd only) | 8.3225% | 1,612 |
| Net charge-offs to loans | 0.0413% | 4,536 |
| Credit loss provision to net charge-offs | 394.7368% | 844 |
| Earnings coverage of net charge-offs (x) | 54.7368% | 538 |
| Efficiency ratio | 67.0782% | 4,837 |
| Assets per employee ($millions) | 2.6976% | 6,695 |
| Cash dividends to net income (ytd only)* | 52.8497% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4974% | 4,225 |
| Loan loss allowance to noncurrent loans | 245.6140% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.9189% | 5,058 |
| Noncurrent loans to loans | 0.6096% | 5,815 |
| Net loans and leases to total assets | 75.8687% | 1,044 |
| Net loans and leases to deposits | 92.1486% | 1,004 |
| Net loans and leases to core deposits | 95.1592% | 1,752 |
| Total domestic deposits to total assets | 82.3330% | 5,175 |
| Equity capital to assets | 9.1288% | 4,991 |
| Core capital (leverage) ratio | 9.0386% | 4,554 |
| Tier 1 risk-based capital ratio | 12.1504% | 5,548 |
| Total risk-based capital ratio | 13.4041% | 5,543 |
| Memoranda: | ||
| Average total assets | $239,616,000 | 2,669 |
| Average earning assets | $205,008,000 | 2,839 |
| Average equity | $21,868,500 | 2,888 |
| Average total loans | $184,223,500 | 2,252 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0552% | 766 |
| Cost of funding earning assets | 0.7957% | 6,586 |
| Net interest margin | 5.2596% | 256 |
| Noninterest income to average assets | 0.7554% | 2,516 |
| Noninterest expense to average assets | 3.5893% | 1,950 |
| Loan and lease loss provision to assets | 0.0911% | 6,230 |
| Net operating income to assets | 1.8163% | 398 |
| Return on assets (ROA) | 1.8163% | 434 |
| Pretax return on assets | 1.8163% | 734 |
| Return on Equity (ROE) | 20.0999% | 248 |
| Retained earnings to average equity (ytd only) | 5.5123% | 2,102 |
| Net charge-offs to loans | -0.1486% | 7,528 |
| Credit loss provision to net charge-offs | -78.0669% | 7,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2984% | 5,112 |
| Assets per employee ($millions) | 2.6568% | 6,760 |
| Cash dividends to net income (ytd only)* | 72.5753% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5122% | 3,941 |
| Loan loss allowance to noncurrent loans | 291.9149% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.8260% | 5,345 |
| Noncurrent loans to loans | 0.5180% | 6,005 |
| Net loans and leases to total assets | 75.5794% | 1,352 |
| Net loans and leases to deposits | 92.2212% | 1,250 |
| Net loans and leases to core deposits | 95.2723% | 2,090 |
| Total domestic deposits to total assets | 81.9545% | 5,203 |
| Equity capital to assets | 9.1241% | 4,954 |
| Core capital (leverage) ratio | 9.0844% | 4,383 |
| Tier 1 risk-based capital ratio | 11.7377% | 5,697 |
| Total risk-based capital ratio | 12.9450% | 5,738 |
| Memoranda: | ||
| Average total assets | $230,463,000 | 2,751 |
| Average earning assets | $207,754,600 | 2,777 |
| Average equity | $20,826,000 | 3,035 |
| Average total loans | $181,009,600 | 2,343 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0281% | 883 |
| Cost of funding earning assets | 0.8121% | 6,721 |
| Net interest margin | 5.2160% | 283 |
| Noninterest income to average assets | 0.8065% | 2,199 |
| Noninterest expense to average assets | 3.5440% | 1,926 |
| Loan and lease loss provision to assets | 0.3465% | 3,841 |
| Net operating income to assets | 1.6060% | 739 |
| Return on assets (ROA) | 1.6060% | 808 |
| Pretax return on assets | 1.6060% | 1,335 |
| Return on Equity (ROE) | 17.8169% | 495 |
| Retained earnings to average equity (ytd only) | 2.1706% | 4,873 |
| Net charge-offs to loans | 0.1083% | 5,454 |
| Credit loss provision to net charge-offs | 404.7619% | 742 |
| Earnings coverage of net charge-offs (x) | 22.8089% | 1,077 |
| Efficiency ratio | 64.4772% | 5,162 |
| Assets per employee ($millions) | 2.5984% | 6,941 |
| Cash dividends to net income (ytd only)* | 87.8172% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4783% | 4,056 |
| Loan loss allowance to noncurrent loans | 132.7299% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 1.3009% | 4,543 |
| Noncurrent loans to loans | 1.1138% | 5,016 |
| Net loans and leases to total assets | 76.4687% | 1,319 |
| Net loans and leases to deposits | 92.9825% | 1,332 |
| Net loans and leases to core deposits | 95.9439% | 2,266 |
| Total domestic deposits to total assets | 82.2399% | 4,897 |
| Equity capital to assets | 8.8538% | 5,772 |
| Core capital (leverage) ratio | 8.9399% | 4,779 |
| Tier 1 risk-based capital ratio | 11.2516% | 6,139 |
| Total risk-based capital ratio | 12.5042% | 6,132 |
| Memoranda: | ||
| Average total assets | $228,965,750 | 2,802 |
| Average earning assets | $205,875,500 | 2,837 |
| Average equity | $20,639,000 | 3,094 |
| Average total loans | $180,898,750 | 2,385 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0154% | 916 |
| Cost of funding earning assets | 0.8332% | 6,810 |
| Net interest margin | 5.1823% | 295 |
| Noninterest income to average assets | 0.7860% | 2,199 |
| Noninterest expense to average assets | 3.5846% | 1,823 |
| Loan and lease loss provision to assets | 0.4283% | 3,184 |
| Net operating income to assets | 1.4201% | 1,057 |
| Return on assets (ROA) | 1.4201% | 1,125 |
| Pretax return on assets | 1.4201% | 1,777 |
| Return on Equity (ROE) | 15.6570% | 746 |
| Retained earnings to average equity (ytd only) | 1.4119% | 5,170 |
| Net charge-offs to loans | 0.1555% | 4,703 |
| Credit loss provision to net charge-offs | 346.4286% | 1,053 |
| Earnings coverage of net charge-offs (x) | 14.9500% | 1,490 |
| Efficiency ratio | 65.9785% | 4,985 |
| Assets per employee ($millions) | 2.6741% | 6,816 |
| Cash dividends to net income (ytd only)* | 90.9826% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4279% | 4,296 |
| Loan loss allowance to noncurrent loans | 127.3659% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 1.4335% | 4,323 |
| Noncurrent loans to loans | 1.1211% | 5,083 |
| Net loans and leases to total assets | 77.4766% | 1,202 |
| Net loans and leases to deposits | 94.2370% | 1,245 |
| Net loans and leases to core deposits | 97.3199% | 2,299 |
| Total domestic deposits to total assets | 82.2146% | 4,901 |
| Equity capital to assets | 8.8661% | 5,651 |
| Core capital (leverage) ratio | 8.9850% | 4,623 |
| Tier 1 risk-based capital ratio | 11.3674% | 5,893 |
| Total risk-based capital ratio | 12.6169% | 5,871 |
| Memoranda: | ||
| Average total assets | $226,470,670 | 2,855 |
| Average earning assets | $203,077,330 | 2,898 |
| Average equity | $20,540,330 | 3,102 |
| Average total loans | $180,023,670 | 2,423 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0923% | 788 |
| Cost of funding earning assets | 0.8560% | 6,916 |
| Net interest margin | 5.2364% | 268 |
| Noninterest income to average assets | 0.8237% | 1,920 |
| Noninterest expense to average assets | 3.7138% | 1,494 |
| Loan and lease loss provision to assets | 0.5372% | 2,354 |
| Net operating income to assets | 1.2391% | 1,434 |
| Return on assets (ROA) | 1.2391% | 1,505 |
| Pretax return on assets | 1.2391% | 2,240 |
| Return on Equity (ROE) | 13.5044% | 1,147 |
| Retained earnings to average equity (ytd only) | -1.7173% | 6,163 |
| Net charge-offs to loans | 0.0537% | 4,867 |
| Credit loss provision to net charge-offs | 1,250.0000% | 385 |
| Earnings coverage of net charge-offs (x) | 41.3333% | 670 |
| Efficiency ratio | 67.6451% | 4,792 |
| Assets per employee ($millions) | 2.5270% | 7,161 |
| Cash dividends to net income (ytd only)* | 112.7168% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4161% | 4,339 |
| Loan loss allowance to noncurrent loans | 153.8136% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 1.4744% | 4,297 |
| Noncurrent loans to loans | 0.9207% | 5,474 |
| Net loans and leases to total assets | 78.6540% | 1,032 |
| Net loans and leases to deposits | 96.1380% | 1,089 |
| Net loans and leases to core deposits | 99.1881% | 2,216 |
| Total domestic deposits to total assets | 81.8136% | 5,152 |
| Equity capital to assets | 9.1032% | 5,124 |
| Core capital (leverage) ratio | 9.0459% | 4,482 |
| Tier 1 risk-based capital ratio | 11.6438% | 5,534 |
| Total risk-based capital ratio | 12.8964% | 5,495 |
| Memoranda: | ||
| Average total assets | $223,380,500 | 2,947 |
| Average earning assets | $199,069,500 | 3,012 |
| Average equity | $20,497,000 | 3,133 |
| Average total loans | $178,605,000 | 2,499 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3566% | 919 |
| Cost of funding earning assets | 0.9897% | 7,228 |
| Net interest margin | 5.3669% | 221 |
| Noninterest income to average assets | 0.8338% | 2,255 |
| Noninterest expense to average assets | 3.7089% | 1,892 |
| Loan and lease loss provision to assets | 0.3700% | 4,567 |
| Net operating income to assets | 1.5488% | 612 |
| Return on assets (ROA) | 1.5488% | 647 |
| Pretax return on assets | 1.5488% | 1,077 |
| Return on Equity (ROE) | 17.6554% | 393 |
| Retained earnings to average equity (ytd only) | 8.6411% | 560 |
| Net charge-offs to loans | 0.2120% | 5,296 |
| Credit loss provision to net charge-offs | 222.9730% | 1,688 |
| Earnings coverage of net charge-offs (x) | 11.5622% | 1,581 |
| Efficiency ratio | 65.9042% | 5,408 |
| Assets per employee ($millions) | 2.4380% | 7,300 |
| Cash dividends to net income (ytd only)* | 51.0571% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2741% | 4,913 |
| Loan loss allowance to noncurrent loans | 140.8582% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 2.0517% | 3,330 |
| Noncurrent loans to loans | 0.9045% | 5,499 |
| Net loans and leases to total assets | 79.1086% | 1,159 |
| Net loans and leases to deposits | 97.0382% | 1,205 |
| Net loans and leases to core deposits | 118.1517% | 2,110 |
| Total domestic deposits to total assets | 81.5232% | 5,141 |
| Equity capital to assets | 9.2494% | 4,772 |
| Core capital (leverage) ratio | 9.0757% | 4,294 |
| Tier 1 risk-based capital ratio | 11.7627% | 5,147 |
| Total risk-based capital ratio | 13.0132% | 5,111 |
| Memoranda: | ||
| Average total assets | $222,949,000 | 2,905 |
| Average earning assets | $199,147,000 | 2,981 |
| Average equity | $19,557,800 | 3,273 |
| Average total loans | $174,545,000 | 2,580 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3245% | 1,083 |
| Cost of funding earning assets | 1.0251% | 7,331 |
| Net interest margin | 5.2994% | 251 |
| Noninterest income to average assets | 0.9652% | 1,722 |
| Noninterest expense to average assets | 3.8383% | 1,525 |
| Loan and lease loss provision to assets | 0.3136% | 4,466 |
| Net operating income to assets | 1.5596% | 723 |
| Return on assets (ROA) | 1.5596% | 774 |
| Pretax return on assets | 1.5596% | 1,265 |
| Return on Equity (ROE) | 18.0217% | 454 |
| Retained earnings to average equity (ytd only) | 7.9237% | 1,159 |
| Net charge-offs to loans | 0.0445% | 6,285 |
| Credit loss provision to net charge-offs | 905.1724% | 415 |
| Earnings coverage of net charge-offs (x) | 54.0700% | 595 |
| Efficiency ratio | 67.2035% | 5,139 |
| Assets per employee ($millions) | 2.4462% | 7,312 |
| Cash dividends to net income (ytd only)* | 56.0322% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2677% | 4,706 |
| Loan loss allowance to noncurrent loans | 143.0276% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 1.8342% | 3,603 |
| Noncurrent loans to loans | 0.8864% | 5,513 |
| Net loans and leases to total assets | 79.6628% | 1,241 |
| Net loans and leases to deposits | 97.6052% | 1,370 |
| Net loans and leases to core deposits | 116.4242% | 2,579 |
| Total domestic deposits to total assets | 81.6174% | 4,830 |
| Equity capital to assets | 9.0249% | 5,448 |
| Core capital (leverage) ratio | 9.0776% | 4,533 |
| Tier 1 risk-based capital ratio | 11.5064% | 5,422 |
| Total risk-based capital ratio | 12.7582% | 5,371 |
| Memoranda: | ||
| Average total assets | $223,220,750 | 2,914 |
| Average earning assets | $199,916,750 | 2,985 |
| Average equity | $19,317,000 | 3,337 |
| Average total loans | $173,737,000 | 2,617 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3441% | 1,103 |
| Cost of funding earning assets | 1.0849% | 7,401 |
| Net interest margin | 5.2592% | 263 |
| Noninterest income to average assets | 1.0500% | 1,433 |
| Noninterest expense to average assets | 3.8483% | 1,573 |
| Loan and lease loss provision to assets | 0.4028% | 3,510 |
| Net operating income to assets | 1.4985% | 839 |
| Return on assets (ROA) | 1.4985% | 897 |
| Pretax return on assets | 1.4985% | 1,448 |
| Return on Equity (ROE) | 17.5662% | 530 |
| Retained earnings to average equity (ytd only) | 6.3066% | 1,878 |
| Net charge-offs to loans | 0.0210% | 6,213 |
| Credit loss provision to net charge-offs | 2,500.0000% | 204 |
| Earnings coverage of net charge-offs (x) | 118.0000% | 327 |
| Efficiency ratio | 66.9313% | 5,380 |
| Assets per employee ($millions) | 2.4141% | 7,407 |
| Cash dividends to net income (ytd only)* | 64.0980% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 4,211 |
| Loan loss allowance to noncurrent loans | 165.7058% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 2.3524% | 2,762 |
| Noncurrent loans to loans | 0.7907% | 5,650 |
| Net loans and leases to total assets | 77.7242% | 1,813 |
| Net loans and leases to deposits | 95.5797% | 1,864 |
| Net loans and leases to core deposits | 116.0703% | 2,703 |
| Total domestic deposits to total assets | 81.3188% | 4,956 |
| Equity capital to assets | 8.8902% | 5,468 |
| Core capital (leverage) ratio | 8.6661% | 5,153 |
| Tier 1 risk-based capital ratio | 11.1176% | 5,755 |
| Total risk-based capital ratio | 12.3691% | 5,670 |
| Memoranda: | ||
| Average total assets | $223,425,330 | 2,933 |
| Average earning assets | $199,649,670 | 3,005 |
| Average equity | $19,059,330 | 3,379 |
| Average total loans | $171,778,670 | 2,666 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2353% | 1,489 |
| Cost of funding earning assets | 1.1452% | 7,431 |
| Net interest margin | 5.0901% | 332 |
| Noninterest income to average assets | 1.1779% | 1,057 |
| Noninterest expense to average assets | 3.8446% | 1,392 |
| Loan and lease loss provision to assets | 0.5298% | 2,349 |
| Net operating income to assets | 1.3563% | 1,245 |
| Return on assets (ROA) | 1.3563% | 1,333 |
| Pretax return on assets | 1.3563% | 2,100 |
| Return on Equity (ROE) | 16.2274% | 787 |
| Retained earnings to average equity (ytd only) | 9.4026% | 1,369 |
| Net charge-offs to loans | -0.1604% | 7,983 |
| Credit loss provision to net charge-offs | -434.7826% | 6,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0878% | 5,129 |
| Assets per employee ($millions) | 2.4608% | 7,356 |
| Cash dividends to net income (ytd only)* | 42.0573% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 4,375 |
| Loan loss allowance to noncurrent loans | 123.8068% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 2.3328% | 2,462 |
| Noncurrent loans to loans | 1.0143% | 4,970 |
| Net loans and leases to total assets | 76.5136% | 2,157 |
| Net loans and leases to deposits | 92.9892% | 2,436 |
| Net loans and leases to core deposits | 112.5844% | 3,157 |
| Total domestic deposits to total assets | 82.2823% | 4,443 |
| Equity capital to assets | 8.5717% | 5,955 |
| Core capital (leverage) ratio | 8.5788% | 5,379 |
| Tier 1 risk-based capital ratio | 10.7265% | 6,160 |
| Total risk-based capital ratio | 11.9551% | 6,091 |
| Memoranda: | ||
| Average total assets | $226,502,000 | 2,912 |
| Average earning assets | $202,590,000 | 2,986 |
| Average equity | $18,931,000 | 3,426 |
| Average total loans | $172,110,500 | 2,683 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3927% | 502 |
| Cost of funding earning assets | 1.6949% | 7,267 |
| Net interest margin | 5.6978% | 152 |
| Noninterest income to average assets | 0.7221% | 2,968 |
| Noninterest expense to average assets | 3.4427% | 2,546 |
| Loan and lease loss provision to assets | 0.3217% | 3,805 |
| Net operating income to assets | 2.0183% | 337 |
| Return on assets (ROA) | 2.0183% | 320 |
| Pretax return on assets | 2.0183% | 575 |
| Return on Equity (ROE) | 25.3695% | 128 |
| Retained earnings to average equity (ytd only) | 13.7218% | 133 |
| Net charge-offs to loans | 0.6772% | 1,819 |
| Credit loss provision to net charge-offs | 60.3969% | 6,227 |
| Earnings coverage of net charge-offs (x) | 4.3926% | 3,998 |
| Efficiency ratio | 59.5342% | 6,430 |
| Assets per employee ($millions) | 2.4113% | 7,385 |
| Cash dividends to net income (ytd only)* | 45.9121% | 3,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0603% | 5,546 |
| Loan loss allowance to noncurrent loans | 63.7324% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 2.7633% | 1,708 |
| Noncurrent loans to loans | 1.6637% | 3,275 |
| Net loans and leases to total assets | 73.7294% | 3,177 |
| Net loans and leases to deposits | 88.9776% | 3,641 |
| Net loans and leases to core deposits | 108.8699% | 3,874 |
| Total domestic deposits to total assets | 82.8629% | 3,826 |
| Equity capital to assets | 8.1490% | 6,633 |
| Core capital (leverage) ratio | 8.1593% | 6,240 |
| Tier 1 risk-based capital ratio | 10.4739% | 6,234 |
| Total risk-based capital ratio | 11.4949% | 6,338 |
| Memoranda: | ||
| Average total assets | $217,561,600 | 2,904 |
| Average earning assets | $193,231,400 | 2,989 |
| Average equity | $17,308,200 | 3,684 |
| Average total loans | $171,150,000 | 2,593 |