Home > First Bank Kansas > Performance and Condition Ratios
First Bank Kansas, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4699% | 3,140 |
| Cost of funding earning assets | 0.9535% | 3,400 |
| Net interest margin | 3.5164% | 2,148 |
| Noninterest income to average assets | 1.8900% | 286 |
| Noninterest expense to average assets | 3.3325% | 713 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.7577% | 654 |
| Return on assets (ROA) | 1.6852% | 725 |
| Pretax return on assets | 1.7491% | 964 |
| Return on Equity (ROE) | 31.0400% | 167 |
| Retained earnings to average equity (ytd only) | 3.1793% | 3,220 |
| Net charge-offs to loans | 0.0281% | 1,747 |
| Credit loss provision to net charge-offs | 421.3483% | 760 |
| Earnings coverage of net charge-offs (x) | 117.6180% | 829 |
| Efficiency ratio | 63.7346% | 2,639 |
| Assets per employee ($millions) | 4.5864% | 3,899 |
| Cash dividends to net income (ytd only)* | 89.7560% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 1,223 |
| Loan loss allowance to noncurrent loans | 294.2225% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.2981% | 1,764 |
| Noncurrent loans to loans | 0.4908% | 1,562 |
| Net loans and leases to total assets | 59.8700% | 2,850 |
| Net loans and leases to deposits | 64.9985% | 3,240 |
| Net loans and leases to core deposits | 69.7713% | 3,317 |
| Total domestic deposits to total assets | 92.1000% | 292 |
| Equity capital to assets | 5.9930% | 4,237 |
| Core capital (leverage) ratio | 8.2926% | 4,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0658% | 1,517 |
| Memoranda: | ||
| Average total assets | $552,041,600 | 1,607 |
| Average earning assets | $524,574,000 | 1,565 |
| Average equity | $29,974,800 | 2,259 |
| Average total loans | $316,859,200 | 1,736 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3357% | 3,224 |
| Cost of funding earning assets | 0.8818% | 3,317 |
| Net interest margin | 3.4539% | 2,326 |
| Noninterest income to average assets | 1.8800% | 303 |
| Noninterest expense to average assets | 3.3482% | 672 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.7057% | 793 |
| Return on assets (ROA) | 1.6090% | 919 |
| Pretax return on assets | 1.6700% | 1,218 |
| Return on Equity (ROE) | 30.4100% | 216 |
| Retained earnings to average equity (ytd only) | 4.9206% | 2,963 |
| Net charge-offs to loans | 0.0362% | 1,373 |
| Credit loss provision to net charge-offs | 238.8235% | 1,013 |
| Earnings coverage of net charge-offs (x) | 88.8824% | 983 |
| Efficiency ratio | 64.7900% | 2,413 |
| Assets per employee ($millions) | 4.4278% | 3,983 |
| Cash dividends to net income (ytd only)* | 83.8198% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4594% | 1,226 |
| Loan loss allowance to noncurrent loans | 394.7009% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.2148% | 2,191 |
| Noncurrent loans to loans | 0.3697% | 1,909 |
| Net loans and leases to total assets | 57.2500% | 3,097 |
| Net loans and leases to deposits | 61.8353% | 3,407 |
| Net loans and leases to core deposits | 67.1438% | 3,369 |
| Total domestic deposits to total assets | 92.5900% | 365 |
| Equity capital to assets | 5.2093% | 4,215 |
| Core capital (leverage) ratio | 8.3131% | 4,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7770% | 1,375 |
| Memoranda: | ||
| Average total assets | $553,605,250 | 1,599 |
| Average earning assets | $526,928,000 | 1,556 |
| Average equity | $29,291,250 | 2,285 |
| Average total loans | $313,191,250 | 1,751 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1863% | 3,322 |
| Cost of funding earning assets | 0.7982% | 3,208 |
| Net interest margin | 3.3880% | 2,553 |
| Noninterest income to average assets | 1.8500% | 258 |
| Noninterest expense to average assets | 3.2436% | 750 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.7202% | 759 |
| Return on assets (ROA) | 1.5756% | 979 |
| Pretax return on assets | 1.6335% | 1,353 |
| Return on Equity (ROE) | 29.6300% | 217 |
| Retained earnings to average equity (ytd only) | 15.4402% | 525 |
| Net charge-offs to loans | 0.0359% | 1,185 |
| Credit loss provision to net charge-offs | 241.0714% | 970 |
| Earnings coverage of net charge-offs (x) | 91.0714% | 987 |
| Efficiency ratio | 63.8989% | 2,497 |
| Assets per employee ($millions) | 4.5300% | 3,932 |
| Cash dividends to net income (ytd only)* | 47.8905% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4422% | 1,380 |
| Loan loss allowance to noncurrent loans | 1,150.5025% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.1365% | 2,592 |
| Noncurrent loans to loans | 0.1254% | 2,846 |
| Net loans and leases to total assets | 57.0900% | 3,033 |
| Net loans and leases to deposits | 61.8320% | 3,316 |
| Net loans and leases to core deposits | 66.8432% | 3,299 |
| Total domestic deposits to total assets | 92.3300% | 356 |
| Equity capital to assets | 5.6728% | 4,244 |
| Core capital (leverage) ratio | 8.4983% | 4,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1066% | 1,298 |
| Memoranda: | ||
| Average total assets | $556,601,000 | 1,587 |
| Average earning assets | $529,922,333 | 1,552 |
| Average equity | $29,598,000 | 2,279 |
| Average total loans | $312,111,000 | 1,735 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0506% | 3,359 |
| Cost of funding earning assets | 0.6871% | 3,092 |
| Net interest margin | 3.3635% | 2,726 |
| Noninterest income to average assets | 1.7700% | 270 |
| Noninterest expense to average assets | 3.2209% | 775 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.6498% | 907 |
| Return on assets (ROA) | 1.4229% | 1,317 |
| Pretax return on assets | 1.4707% | 1,730 |
| Return on Equity (ROE) | 27.6600% | 306 |
| Retained earnings to average equity (ytd only) | -0.0693% | 4,046 |
| Net charge-offs to loans | 0.0052% | 1,784 |
| Credit loss provision to net charge-offs | 1,700.0000% | 233 |
| Earnings coverage of net charge-offs (x) | 614.5000% | 184 |
| Efficiency ratio | 64.7548% | 2,362 |
| Assets per employee ($millions) | 4.6105% | 3,956 |
| Cash dividends to net income (ytd only)* | 100.2506% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4616% | 1,392 |
| Loan loss allowance to noncurrent loans | 345.5715% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.2349% | 1,941 |
| Noncurrent loans to loans | 0.4230% | 1,673 |
| Net loans and leases to total assets | 54.7100% | 3,148 |
| Net loans and leases to deposits | 58.9704% | 3,397 |
| Net loans and leases to core deposits | 63.2408% | 3,379 |
| Total domestic deposits to total assets | 92.7800% | 345 |
| Equity capital to assets | 5.3169% | 4,369 |
| Core capital (leverage) ratio | 7.8824% | 4,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4470% | 1,507 |
| Memoranda: | ||
| Average total assets | $560,837,500 | 1,595 |
| Average earning assets | $534,439,000 | 1,558 |
| Average equity | $28,850,000 | 2,339 |
| Average total loans | $309,420,500 | 1,758 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3813% | 2,967 |
| Cost of funding earning assets | 0.1650% | 3,680 |
| Net interest margin | 3.2163% | 2,579 |
| Noninterest income to average assets | 1.7900% | 301 |
| Noninterest expense to average assets | 3.2276% | 661 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5782% | 690 |
| Return on assets (ROA) | 1.5637% | 695 |
| Pretax return on assets | 1.6187% | 1,071 |
| Return on Equity (ROE) | 24.6900% | 194 |
| Retained earnings to average equity (ytd only) | 1.6860% | 4,086 |
| Net charge-offs to loans | 0.2623% | 252 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 12.7418% | 1,905 |
| Efficiency ratio | 66.3949% | 2,227 |
| Assets per employee ($millions) | 4.5828% | 3,991 |
| Cash dividends to net income (ytd only)* | 93.1723% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5556% | 1,157 |
| Loan loss allowance to noncurrent loans | 491.8153% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.2044% | 2,245 |
| Noncurrent loans to loans | 0.3163% | 2,111 |
| Net loans and leases to total assets | 52.6200% | 3,223 |
| Net loans and leases to deposits | 55.6216% | 3,509 |
| Net loans and leases to core deposits | 60.9887% | 3,305 |
| Total domestic deposits to total assets | 94.6000% | 272 |
| Equity capital to assets | 4.8335% | 4,325 |
| Core capital (leverage) ratio | 8.3319% | 4,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2010% | 1,369 |
| Memoranda: | ||
| Average total assets | $571,963,250 | 1,567 |
| Average earning assets | $546,284,750 | 1,519 |
| Average equity | $36,219,250 | 2,099 |
| Average total loans | $279,533,750 | 1,811 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2768% | 2,810 |
| Cost of funding earning assets | 0.1367% | 3,751 |
| Net interest margin | 3.1401% | 2,401 |
| Noninterest income to average assets | 1.8019% | 264 |
| Noninterest expense to average assets | 3.1441% | 684 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6039% | 545 |
| Return on assets (ROA) | 1.5813% | 564 |
| Pretax return on assets | 1.6331% | 874 |
| Return on Equity (ROE) | 23.1776% | 159 |
| Retained earnings to average equity (ytd only) | 6.6003% | 2,133 |
| Net charge-offs to loans | 0.0786% | 684 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 44.4860% | 1,208 |
| Efficiency ratio | 65.4947% | 2,579 |
| Assets per employee ($millions) | 4.4162% | 4,139 |
| Cash dividends to net income (ytd only)* | 71.5229% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8122% | 802 |
| Loan loss allowance to noncurrent loans | 600.1170% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.1894% | 2,396 |
| Noncurrent loans to loans | 0.3020% | 2,252 |
| Net loans and leases to total assets | 49.9605% | 3,383 |
| Net loans and leases to deposits | 53.0860% | 3,601 |
| Net loans and leases to core deposits | 57.7012% | 3,446 |
| Total domestic deposits to total assets | 94.1124% | 263 |
| Equity capital to assets | 5.4585% | 4,375 |
| Core capital (leverage) ratio | 8.2150% | 4,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2678% | 1,130 |
| Memoranda: | ||
| Average total assets | $574,721,667 | 1,563 |
| Average earning assets | $548,830,333 | 1,526 |
| Average equity | $39,210,333 | 2,031 |
| Average total loans | $272,280,333 | 1,844 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1757% | 2,760 |
| Cost of funding earning assets | 0.1356% | 3,693 |
| Net interest margin | 3.0400% | 2,365 |
| Noninterest income to average assets | 1.7867% | 284 |
| Noninterest expense to average assets | 3.0473% | 763 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5730% | 549 |
| Return on assets (ROA) | 1.5730% | 540 |
| Pretax return on assets | 1.6422% | 769 |
| Return on Equity (ROE) | 21.0502% | 197 |
| Retained earnings to average equity (ytd only) | 7.2979% | 1,797 |
| Net charge-offs to loans | 0.1394% | 408 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 25.7742% | 1,196 |
| Efficiency ratio | 64.9817% | 2,911 |
| Assets per employee ($millions) | 4.6479% | 4,040 |
| Cash dividends to net income (ytd only)* | 65.3310% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9300% | 701 |
| Loan loss allowance to noncurrent loans | 1,128.2895% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 3,297 |
| Noncurrent loans to loans | 0.1711% | 2,959 |
| Net loans and leases to total assets | 44.2909% | 3,721 |
| Net loans and leases to deposits | 47.6180% | 3,898 |
| Net loans and leases to core deposits | 53.1685% | 3,652 |
| Total domestic deposits to total assets | 93.0130% | 272 |
| Equity capital to assets | 6.5738% | 4,397 |
| Core capital (leverage) ratio | 8.0453% | 4,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7691% | 1,090 |
| Memoranda: | ||
| Average total assets | $583,863,500 | 1,548 |
| Average earning assets | $557,492,000 | 1,510 |
| Average equity | $43,629,000 | 1,933 |
| Average total loans | $266,855,500 | 1,849 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4577% | 2,780 |
| Cost of funding earning assets | 0.1810% | 3,650 |
| Net interest margin | 3.2767% | 2,378 |
| Noninterest income to average assets | 1.9360% | 337 |
| Noninterest expense to average assets | 3.0626% | 901 |
| Loan and lease loss provision to assets | 0.0150% | 2,782 |
| Net operating income to assets | 1.9155% | 399 |
| Return on assets (ROA) | 1.9165% | 418 |
| Pretax return on assets | 1.9912% | 612 |
| Return on Equity (ROE) | 21.8934% | 224 |
| Retained earnings to average equity (ytd only) | 9.1445% | 1,156 |
| Net charge-offs to loans | 0.0118% | 2,122 |
| Credit loss provision to net charge-offs | 270.9677% | 1,125 |
| Earnings coverage of net charge-offs (x) | 362.2258% | 352 |
| Efficiency ratio | 60.4334% | 3,092 |
| Assets per employee ($millions) | 4.5829% | 4,055 |
| Cash dividends to net income (ytd only)* | 58.2316% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9609% | 648 |
| Loan loss allowance to noncurrent loans | 470.1975% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.1929% | 2,595 |
| Noncurrent loans to loans | 0.4170% | 2,104 |
| Net loans and leases to total assets | 45.3526% | 3,738 |
| Net loans and leases to deposits | 49.6789% | 3,909 |
| Net loans and leases to core deposits | 55.8246% | 3,630 |
| Total domestic deposits to total assets | 91.2915% | 389 |
| Equity capital to assets | 8.3911% | 4,121 |
| Core capital (leverage) ratio | 7.9876% | 4,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4333% | 1,174 |
| Memoranda: | ||
| Average total assets | $560,021,000 | 1,541 |
| Average earning assets | $535,241,400 | 1,506 |
| Average equity | $49,024,000 | 1,798 |
| Average total loans | $262,289,800 | 1,869 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5500% | 2,694 |
| Cost of funding earning assets | 0.1918% | 3,703 |
| Net interest margin | 3.3582% | 2,273 |
| Noninterest income to average assets | 1.9323% | 370 |
| Noninterest expense to average assets | 3.0085% | 958 |
| Loan and lease loss provision to assets | 0.0202% | 2,591 |
| Net operating income to assets | 2.0377% | 433 |
| Return on assets (ROA) | 2.0388% | 459 |
| Pretax return on assets | 2.1190% | 656 |
| Return on Equity (ROE) | 23.0422% | 248 |
| Retained earnings to average equity (ytd only) | 14.9068% | 413 |
| Net charge-offs to loans | -0.0317% | 4,155 |
| Credit loss provision to net charge-offs | -135.4839% | 3,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4577% | 3,200 |
| Assets per employee ($millions) | 4.7110% | 3,956 |
| Cash dividends to net income (ytd only)* | 35.3066% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0886% | 546 |
| Loan loss allowance to noncurrent loans | 1,269.2857% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 3,489 |
| Noncurrent loans to loans | 0.1646% | 3,298 |
| Net loans and leases to total assets | 43.1284% | 4,012 |
| Net loans and leases to deposits | 47.6743% | 4,135 |
| Net loans and leases to core deposits | 53.6077% | 3,941 |
| Total domestic deposits to total assets | 90.4648% | 579 |
| Equity capital to assets | 8.9607% | 3,867 |
| Core capital (leverage) ratio | 8.2608% | 4,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2579% | 1,089 |
| Memoranda: | ||
| Average total assets | $555,664,750 | 1,567 |
| Average earning assets | $531,819,250 | 1,529 |
| Average equity | $49,166,500 | 1,813 |
| Average total loans | $261,081,000 | 1,906 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4890% | 2,920 |
| Cost of funding earning assets | 0.2067% | 3,681 |
| Net interest margin | 3.2823% | 2,505 |
| Noninterest income to average assets | 1.9787% | 334 |
| Noninterest expense to average assets | 3.0179% | 956 |
| Loan and lease loss provision to assets | 0.0307% | 2,366 |
| Net operating income to assets | 1.9908% | 493 |
| Return on assets (ROA) | 1.9915% | 520 |
| Pretax return on assets | 2.0674% | 727 |
| Return on Equity (ROE) | 22.6083% | 283 |
| Retained earnings to average equity (ytd only) | 14.3178% | 507 |
| Net charge-offs to loans | -0.0525% | 4,395 |
| Credit loss provision to net charge-offs | -121.7391% | 3,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9978% | 3,153 |
| Assets per employee ($millions) | 4.6679% | 3,960 |
| Cash dividends to net income (ytd only)* | 36.6703% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0028% | 604 |
| Loan loss allowance to noncurrent loans | 873.6498% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.1064% | 3,513 |
| Noncurrent loans to loans | 0.2292% | 3,141 |
| Net loans and leases to total assets | 45.4915% | 3,938 |
| Net loans and leases to deposits | 50.0311% | 4,108 |
| Net loans and leases to core deposits | 56.1397% | 3,880 |
| Total domestic deposits to total assets | 90.9263% | 398 |
| Equity capital to assets | 8.6349% | 4,100 |
| Core capital (leverage) ratio | 7.9189% | 4,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2096% | 1,289 |
| Memoranda: | ||
| Average total assets | $547,735,333 | 1,582 |
| Average earning assets | $523,415,333 | 1,539 |
| Average equity | $48,247,667 | 1,822 |
| Average total loans | $263,028,000 | 1,905 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5080% | 2,897 |
| Cost of funding earning assets | 0.2235% | 3,694 |
| Net interest margin | 3.2845% | 2,434 |
| Noninterest income to average assets | 2.0714% | 354 |
| Noninterest expense to average assets | 3.0659% | 882 |
| Loan and lease loss provision to assets | 0.0629% | 1,880 |
| Net operating income to assets | 2.0040% | 567 |
| Return on assets (ROA) | 2.0040% | 611 |
| Pretax return on assets | 2.0774% | 832 |
| Return on Equity (ROE) | 22.5125% | 362 |
| Retained earnings to average equity (ytd only) | 14.1060% | 744 |
| Net charge-offs to loans | -0.0720% | 4,526 |
| Credit loss provision to net charge-offs | -178.7234% | 2,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8903% | 3,171 |
| Assets per employee ($millions) | 4.5046% | 4,097 |
| Cash dividends to net income (ytd only)* | 37.3413% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0272% | 564 |
| Loan loss allowance to noncurrent loans | 433.2518% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.2225% | 3,038 |
| Noncurrent loans to loans | 0.4679% | 2,452 |
| Net loans and leases to total assets | 44.9093% | 4,044 |
| Net loans and leases to deposits | 49.1868% | 4,213 |
| Net loans and leases to core deposits | 55.1020% | 4,040 |
| Total domestic deposits to total assets | 91.3035% | 295 |
| Equity capital to assets | 8.2764% | 4,302 |
| Core capital (leverage) ratio | 8.1901% | 4,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2410% | 1,232 |
| Memoranda: | ||
| Average total assets | $534,525,000 | 1,599 |
| Average earning assets | $510,153,500 | 1,563 |
| Average equity | $47,582,500 | 1,832 |
| Average total loans | $261,277,000 | 1,914 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0349% | 2,623 |
| Cost of funding earning assets | 0.4362% | 3,369 |
| Net interest margin | 3.5987% | 2,145 |
| Noninterest income to average assets | 2.4112% | 254 |
| Noninterest expense to average assets | 3.9133% | 412 |
| Loan and lease loss provision to assets | 0.1566% | 2,413 |
| Net operating income to assets | 1.6943% | 503 |
| Return on assets (ROA) | 1.7038% | 535 |
| Pretax return on assets | 1.7729% | 731 |
| Return on Equity (ROE) | 17.4031% | 376 |
| Retained earnings to average equity (ytd only) | -0.8752% | 4,626 |
| Net charge-offs to loans | 0.0513% | 2,061 |
| Credit loss provision to net charge-offs | 563.6364% | 1,157 |
| Earnings coverage of net charge-offs (x) | 69.0758% | 985 |
| Efficiency ratio | 67.0902% | 2,349 |
| Assets per employee ($millions) | 4.0078% | 4,372 |
| Cash dividends to net income (ytd only)* | 105.0290% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9918% | 601 |
| Loan loss allowance to noncurrent loans | 356.3574% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.3020% | 2,789 |
| Noncurrent loans to loans | 0.5589% | 2,305 |
| Net loans and leases to total assets | 51.3383% | 3,719 |
| Net loans and leases to deposits | 57.0185% | 3,943 |
| Net loans and leases to core deposits | 60.3255% | 3,924 |
| Total domestic deposits to total assets | 90.0380% | 551 |
| Equity capital to assets | 9.6218% | 3,484 |
| Core capital (leverage) ratio | 8.4492% | 4,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9316% | 1,280 |
| Memoranda: | ||
| Average total assets | $474,997,600 | 1,627 |
| Average earning assets | $451,632,000 | 1,591 |
| Average equity | $46,503,200 | 1,797 |
| Average total loans | $257,494,400 | 1,880 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0696% | 2,761 |
| Cost of funding earning assets | 0.4656% | 3,441 |
| Net interest margin | 3.6040% | 2,265 |
| Noninterest income to average assets | 2.3937% | 251 |
| Noninterest expense to average assets | 3.7170% | 514 |
| Loan and lease loss provision to assets | 0.1474% | 2,545 |
| Net operating income to assets | 1.8819% | 383 |
| Return on assets (ROA) | 1.8941% | 412 |
| Pretax return on assets | 1.9691% | 547 |
| Return on Equity (ROE) | 19.2597% | 279 |
| Retained earnings to average equity (ytd only) | 0.4909% | 4,386 |
| Net charge-offs to loans | 0.0192% | 2,473 |
| Credit loss provision to net charge-offs | 1,402.7027% | 651 |
| Earnings coverage of net charge-offs (x) | 200.2162% | 493 |
| Efficiency ratio | 63.8581% | 2,760 |
| Assets per employee ($millions) | 3.9285% | 4,378 |
| Cash dividends to net income (ytd only)* | 97.4513% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8956% | 593 |
| Loan loss allowance to noncurrent loans | 235.6643% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.4492% | 2,387 |
| Noncurrent loans to loans | 0.8044% | 1,813 |
| Net loans and leases to total assets | 53.2745% | 3,866 |
| Net loans and leases to deposits | 60.3401% | 4,039 |
| Net loans and leases to core deposits | 63.6562% | 4,023 |
| Total domestic deposits to total assets | 88.2905% | 1,066 |
| Equity capital to assets | 9.8436% | 3,390 |
| Core capital (leverage) ratio | 8.6742% | 4,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3252% | 1,180 |
| Memoranda: | ||
| Average total assets | $469,505,500 | 1,623 |
| Average earning assets | $446,457,750 | 1,589 |
| Average equity | $46,174,750 | 1,803 |
| Average total loans | $256,788,250 | 1,879 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1702% | 2,850 |
| Cost of funding earning assets | 0.5097% | 3,477 |
| Net interest margin | 3.6605% | 2,293 |
| Noninterest income to average assets | 2.3010% | 250 |
| Noninterest expense to average assets | 3.5296% | 726 |
| Loan and lease loss provision to assets | 0.1272% | 2,752 |
| Net operating income to assets | 2.0456% | 301 |
| Return on assets (ROA) | 2.0635% | 323 |
| Pretax return on assets | 2.1392% | 404 |
| Return on Equity (ROE) | 20.9884% | 201 |
| Retained earnings to average equity (ytd only) | 5.5881% | 2,243 |
| Net charge-offs to loans | 0.0292% | 2,133 |
| Credit loss provision to net charge-offs | 794.5946% | 924 |
| Earnings coverage of net charge-offs (x) | 140.4324% | 556 |
| Efficiency ratio | 61.0932% | 3,260 |
| Assets per employee ($millions) | 3.9560% | 4,352 |
| Cash dividends to net income (ytd only)* | 73.3753% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8204% | 630 |
| Loan loss allowance to noncurrent loans | 284.9558% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.3951% | 2,713 |
| Noncurrent loans to loans | 0.6388% | 2,265 |
| Net loans and leases to total assets | 52.6774% | 3,978 |
| Net loans and leases to deposits | 59.4989% | 4,140 |
| Net loans and leases to core deposits | 62.7324% | 4,142 |
| Total domestic deposits to total assets | 88.5352% | 930 |
| Equity capital to assets | 9.9761% | 3,230 |
| Core capital (leverage) ratio | 9.1343% | 3,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9005% | 1,073 |
| Memoranda: | ||
| Average total assets | $462,320,000 | 1,623 |
| Average earning assets | $439,068,000 | 1,584 |
| Average equity | $45,453,667 | 1,812 |
| Average total loans | $253,495,667 | 1,879 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2503% | 3,068 |
| Cost of funding earning assets | 0.5819% | 3,518 |
| Net interest margin | 3.6684% | 2,440 |
| Noninterest income to average assets | 2.1182% | 247 |
| Noninterest expense to average assets | 3.7048% | 695 |
| Loan and lease loss provision to assets | 0.0619% | 2,998 |
| Net operating income to assets | 1.7635% | 441 |
| Return on assets (ROA) | 1.8000% | 459 |
| Pretax return on assets | 1.8645% | 605 |
| Return on Equity (ROE) | 18.4582% | 238 |
| Retained earnings to average equity (ytd only) | -13.7150% | 4,869 |
| Net charge-offs to loans | 0.0727% | 1,301 |
| Credit loss provision to net charge-offs | 153.3333% | 1,577 |
| Earnings coverage of net charge-offs (x) | 46.8222% | 945 |
| Efficiency ratio | 66.2340% | 2,924 |
| Assets per employee ($millions) | 3.6236% | 4,362 |
| Cash dividends to net income (ytd only)* | 174.3028% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8034% | 704 |
| Loan loss allowance to noncurrent loans | 390.9014% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.2720% | 3,370 |
| Noncurrent loans to loans | 0.4614% | 2,874 |
| Net loans and leases to total assets | 55.7064% | 3,862 |
| Net loans and leases to deposits | 62.6393% | 4,067 |
| Net loans and leases to core deposits | 66.4280% | 4,059 |
| Total domestic deposits to total assets | 88.9320% | 692 |
| Equity capital to assets | 9.3886% | 4,322 |
| Core capital (leverage) ratio | 9.1942% | 4,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5102% | 1,467 |
| Memoranda: | ||
| Average total assets | $446,228,000 | 1,624 |
| Average earning assets | $422,746,500 | 1,589 |
| Average equity | $43,514,500 | 1,865 |
| Average total loans | $247,582,500 | 1,882 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2334% | 3,721 |
| Cost of funding earning assets | 0.5978% | 3,646 |
| Net interest margin | 3.6356% | 3,013 |
| Noninterest income to average assets | 2.0446% | 250 |
| Noninterest expense to average assets | 3.6385% | 819 |
| Loan and lease loss provision to assets | 0.0720% | 2,559 |
| Net operating income to assets | 1.7240% | 627 |
| Return on assets (ROA) | 1.7409% | 643 |
| Pretax return on assets | 1.8120% | 910 |
| Return on Equity (ROE) | 18.6229% | 296 |
| Retained earnings to average equity (ytd only) | 4.8568% | 2,495 |
| Net charge-offs to loans | 0.0829% | 1,929 |
| Credit loss provision to net charge-offs | 163.2124% | 1,585 |
| Earnings coverage of net charge-offs (x) | 42.3212% | 1,261 |
| Efficiency ratio | 65.9015% | 2,783 |
| Assets per employee ($millions) | 3.5169% | 4,469 |
| Cash dividends to net income (ytd only)* | 73.9205% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9033% | 545 |
| Loan loss allowance to noncurrent loans | 253.3518% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.4125% | 2,743 |
| Noncurrent loans to loans | 0.7513% | 2,008 |
| Net loans and leases to total assets | 53.1879% | 4,135 |
| Net loans and leases to deposits | 60.8614% | 4,249 |
| Net loans and leases to core deposits | 64.0994% | 4,271 |
| Total domestic deposits to total assets | 87.3918% | 1,411 |
| Equity capital to assets | 10.1197% | 3,816 |
| Core capital (leverage) ratio | 9.6875% | 3,864 |
| Tier 1 risk-based capital ratio | 16.5459% | 2,202 |
| Total risk-based capital ratio | 17.8026% | 2,140 |
| Memoranda: | ||
| Average total assets | $437,647,800 | 1,604 |
| Average earning assets | $416,548,800 | 1,561 |
| Average equity | $40,912,000 | 1,893 |
| Average total loans | $232,930,800 | 1,939 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2174% | 3,884 |
| Cost of funding earning assets | 0.5979% | 3,711 |
| Net interest margin | 3.6196% | 3,197 |
| Noninterest income to average assets | 1.9828% | 272 |
| Noninterest expense to average assets | 3.5203% | 924 |
| Loan and lease loss provision to assets | 0.0963% | 1,987 |
| Net operating income to assets | 1.7465% | 682 |
| Return on assets (ROA) | 1.7682% | 687 |
| Pretax return on assets | 1.8376% | 1,002 |
| Return on Equity (ROE) | 19.3203% | 294 |
| Retained earnings to average equity (ytd only) | 0.5142% | 4,661 |
| Net charge-offs to loans | 0.0756% | 1,740 |
| Credit loss provision to net charge-offs | 240.4580% | 1,128 |
| Earnings coverage of net charge-offs (x) | 47.7411% | 1,230 |
| Efficiency ratio | 64.5473% | 2,931 |
| Assets per employee ($millions) | 3.5001% | 4,504 |
| Cash dividends to net income (ytd only)* | 97.3385% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9655% | 493 |
| Loan loss allowance to noncurrent loans | 746.3768% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.1451% | 4,015 |
| Noncurrent loans to loans | 0.2633% | 3,602 |
| Net loans and leases to total assets | 52.8399% | 4,266 |
| Net loans and leases to deposits | 59.7706% | 4,392 |
| Net loans and leases to core deposits | 62.4368% | 4,438 |
| Total domestic deposits to total assets | 88.4046% | 869 |
| Equity capital to assets | 9.8581% | 4,152 |
| Core capital (leverage) ratio | 9.2599% | 4,417 |
| Tier 1 risk-based capital ratio | 16.1167% | 2,383 |
| Total risk-based capital ratio | 17.3740% | 2,323 |
| Memoranda: | ||
| Average total assets | $436,278,500 | 1,612 |
| Average earning assets | $415,693,000 | 1,570 |
| Average equity | $39,929,250 | 1,941 |
| Average total loans | $231,098,000 | 1,960 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1545% | 4,038 |
| Cost of funding earning assets | 0.5773% | 3,762 |
| Net interest margin | 3.5772% | 3,345 |
| Noninterest income to average assets | 1.9033% | 288 |
| Noninterest expense to average assets | 3.4428% | 1,037 |
| Loan and lease loss provision to assets | 0.0964% | 1,929 |
| Net operating income to assets | 1.7088% | 715 |
| Return on assets (ROA) | 1.7088% | 743 |
| Pretax return on assets | 1.7735% | 1,100 |
| Return on Equity (ROE) | 19.1651% | 306 |
| Retained earnings to average equity (ytd only) | -9.8193% | 5,176 |
| Net charge-offs to loans | 0.0915% | 1,448 |
| Credit loss provision to net charge-offs | 200.0000% | 1,195 |
| Earnings coverage of net charge-offs (x) | 38.8095% | 1,266 |
| Efficiency ratio | 64.4585% | 3,062 |
| Assets per employee ($millions) | 3.6152% | 4,361 |
| Cash dividends to net income (ytd only)* | 151.2352% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9609% | 507 |
| Loan loss allowance to noncurrent loans | 614.7099% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.1712% | 3,910 |
| Noncurrent loans to loans | 0.3190% | 3,388 |
| Net loans and leases to total assets | 51.6357% | 4,375 |
| Net loans and leases to deposits | 57.8250% | 4,525 |
| Net loans and leases to core deposits | 61.7568% | 4,510 |
| Total domestic deposits to total assets | 89.2965% | 540 |
| Equity capital to assets | 9.2347% | 4,624 |
| Core capital (leverage) ratio | 8.8803% | 4,731 |
| Tier 1 risk-based capital ratio | 15.5683% | 2,600 |
| Total risk-based capital ratio | 16.8257% | 2,523 |
| Memoranda: | ||
| Average total assets | $435,868,670 | 1,611 |
| Average earning assets | $415,405,670 | 1,569 |
| Average equity | $38,862,330 | 1,987 |
| Average total loans | $229,526,000 | 1,980 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1061% | 4,110 |
| Cost of funding earning assets | 0.5441% | 3,854 |
| Net interest margin | 3.5620% | 3,392 |
| Noninterest income to average assets | 1.7707% | 293 |
| Noninterest expense to average assets | 3.3429% | 1,206 |
| Loan and lease loss provision to assets | 0.0969% | 1,809 |
| Net operating income to assets | 1.6618% | 794 |
| Return on assets (ROA) | 1.6618% | 821 |
| Pretax return on assets | 1.7218% | 1,166 |
| Return on Equity (ROE) | 18.9831% | 330 |
| Retained earnings to average equity (ytd only) | -30.3940% | 5,305 |
| Net charge-offs to loans | 0.0421% | 1,669 |
| Credit loss provision to net charge-offs | 437.5000% | 658 |
| Earnings coverage of net charge-offs (x) | 82.0833% | 760 |
| Efficiency ratio | 64.4071% | 3,173 |
| Assets per employee ($millions) | 3.5263% | 4,535 |
| Cash dividends to net income (ytd only)* | 260.1111% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9835% | 517 |
| Loan loss allowance to noncurrent loans | 1,020.7207% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 4,306 |
| Noncurrent loans to loans | 0.1943% | 3,891 |
| Net loans and leases to total assets | 51.2186% | 4,389 |
| Net loans and leases to deposits | 56.9450% | 4,553 |
| Net loans and leases to core deposits | 60.6004% | 4,547 |
| Total domestic deposits to total assets | 89.9441% | 465 |
| Equity capital to assets | 8.5257% | 4,970 |
| Core capital (leverage) ratio | 8.6927% | 4,875 |
| Tier 1 risk-based capital ratio | 15.3520% | 2,726 |
| Total risk-based capital ratio | 16.6097% | 2,639 |
| Memoranda: | ||
| Average total assets | $433,276,500 | 1,618 |
| Average earning assets | $412,460,000 | 1,583 |
| Average equity | $37,928,500 | 2,017 |
| Average total loans | $228,141,000 | 2,005 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0462% | 3,903 |
| Cost of funding earning assets | 0.4402% | 3,740 |
| Net interest margin | 3.6061% | 3,363 |
| Noninterest income to average assets | 1.9392% | 283 |
| Noninterest expense to average assets | 3.4441% | 1,081 |
| Loan and lease loss provision to assets | 0.1639% | 1,238 |
| Net operating income to assets | 1.7012% | 695 |
| Return on assets (ROA) | 1.7012% | 686 |
| Pretax return on assets | 1.7707% | 993 |
| Return on Equity (ROE) | 21.0234% | 197 |
| Retained earnings to average equity (ytd only) | 7.7009% | 1,376 |
| Net charge-offs to loans | 0.1209% | 1,527 |
| Credit loss provision to net charge-offs | 262.7737% | 1,143 |
| Earnings coverage of net charge-offs (x) | 31.0109% | 1,562 |
| Efficiency ratio | 63.6937% | 3,223 |
| Assets per employee ($millions) | 3.5479% | 4,498 |
| Cash dividends to net income (ytd only)* | 63.3699% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9535% | 517 |
| Loan loss allowance to noncurrent loans | 1,831.2757% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0715% | 4,462 |
| Noncurrent loans to loans | 0.1067% | 4,253 |
| Net loans and leases to total assets | 52.0254% | 4,411 |
| Net loans and leases to deposits | 58.0203% | 4,575 |
| Net loans and leases to core deposits | 61.0802% | 4,585 |
| Total domestic deposits to total assets | 89.6676% | 588 |
| Equity capital to assets | 8.9863% | 4,591 |
| Core capital (leverage) ratio | 9.2808% | 4,372 |
| Tier 1 risk-based capital ratio | 16.4428% | 2,261 |
| Total risk-based capital ratio | 17.6997% | 2,194 |
| Memoranda: | ||
| Average total assets | $439,212,400 | 1,564 |
| Average earning assets | $418,931,200 | 1,529 |
| Average equity | $35,541,400 | 2,051 |
| Average total loans | $226,710,000 | 1,977 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9960% | 3,943 |
| Cost of funding earning assets | 0.4202% | 3,723 |
| Net interest margin | 3.5759% | 3,445 |
| Noninterest income to average assets | 1.8459% | 311 |
| Noninterest expense to average assets | 3.3525% | 1,196 |
| Loan and lease loss provision to assets | 0.1630% | 1,171 |
| Net operating income to assets | 1.6787% | 785 |
| Return on assets (ROA) | 1.6787% | 786 |
| Pretax return on assets | 1.7448% | 1,161 |
| Return on Equity (ROE) | 21.3168% | 194 |
| Retained earnings to average equity (ytd only) | 3.1663% | 4,163 |
| Net charge-offs to loans | 0.1030% | 1,458 |
| Credit loss provision to net charge-offs | 308.5714% | 1,003 |
| Earnings coverage of net charge-offs (x) | 36.1139% | 1,432 |
| Efficiency ratio | 63.3880% | 3,279 |
| Assets per employee ($millions) | 3.4995% | 4,564 |
| Cash dividends to net income (ytd only)* | 85.1466% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9404% | 547 |
| Loan loss allowance to noncurrent loans | 2,874.3421% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 4,699 |
| Noncurrent loans to loans | 0.0675% | 4,580 |
| Net loans and leases to total assets | 51.2940% | 4,510 |
| Net loans and leases to deposits | 56.8995% | 4,703 |
| Net loans and leases to core deposits | 59.9499% | 4,706 |
| Total domestic deposits to total assets | 90.1485% | 461 |
| Equity capital to assets | 8.2225% | 5,072 |
| Core capital (leverage) ratio | 8.6759% | 4,974 |
| Tier 1 risk-based capital ratio | 15.7591% | 2,543 |
| Total risk-based capital ratio | 17.0047% | 2,484 |
| Memoranda: | ||
| Average total assets | $441,691,000 | 1,568 |
| Average earning assets | $421,740,000 | 1,530 |
| Average equity | $34,782,250 | 2,087 |
| Average total loans | $226,439,000 | 1,985 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9207% | 4,015 |
| Cost of funding earning assets | 0.4039% | 3,691 |
| Net interest margin | 3.5168% | 3,577 |
| Noninterest income to average assets | 1.7847% | 323 |
| Noninterest expense to average assets | 3.3023% | 1,315 |
| Loan and lease loss provision to assets | 0.1616% | 1,155 |
| Net operating income to assets | 1.6168% | 888 |
| Return on assets (ROA) | 1.6168% | 893 |
| Pretax return on assets | 1.6788% | 1,277 |
| Return on Equity (ROE) | 20.8279% | 213 |
| Retained earnings to average equity (ytd only) | -6.5590% | 5,344 |
| Net charge-offs to loans | 0.1146% | 1,237 |
| Credit loss provision to net charge-offs | 276.9231% | 1,075 |
| Earnings coverage of net charge-offs (x) | 31.5308% | 1,453 |
| Efficiency ratio | 63.8642% | 3,328 |
| Assets per employee ($millions) | 3.6979% | 4,351 |
| Cash dividends to net income (ytd only)* | 131.4913% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8750% | 661 |
| Loan loss allowance to noncurrent loans | 1,126.0638% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 4,505 |
| Noncurrent loans to loans | 0.1665% | 4,160 |
| Net loans and leases to total assets | 49.5212% | 4,632 |
| Net loans and leases to deposits | 54.4070% | 4,825 |
| Net loans and leases to core deposits | 58.2450% | 4,784 |
| Total domestic deposits to total assets | 91.0198% | 242 |
| Equity capital to assets | 7.6242% | 5,340 |
| Core capital (leverage) ratio | 8.1586% | 5,283 |
| Tier 1 risk-based capital ratio | 14.7536% | 2,992 |
| Total risk-based capital ratio | 16.0095% | 2,917 |
| Memoranda: | ||
| Average total assets | $445,441,330 | 1,565 |
| Average earning assets | $425,332,670 | 1,527 |
| Average equity | $34,578,670 | 2,101 |
| Average total loans | $226,865,670 | 1,976 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8878% | 3,965 |
| Cost of funding earning assets | 0.3953% | 3,622 |
| Net interest margin | 3.4925% | 3,562 |
| Noninterest income to average assets | 1.6542% | 359 |
| Noninterest expense to average assets | 3.2553% | 1,441 |
| Loan and lease loss provision to assets | 0.1620% | 1,116 |
| Net operating income to assets | 1.4814% | 1,122 |
| Return on assets (ROA) | 1.4814% | 1,122 |
| Pretax return on assets | 1.5768% | 1,463 |
| Return on Equity (ROE) | 18.9136% | 325 |
| Retained earnings to average equity (ytd only) | -35.4945% | 5,565 |
| Net charge-offs to loans | 0.1108% | 1,114 |
| Credit loss provision to net charge-offs | 285.7143% | 845 |
| Earnings coverage of net charge-offs (x) | 30.6667% | 1,224 |
| Efficiency ratio | 64.8225% | 3,349 |
| Assets per employee ($millions) | 3.6869% | 4,434 |
| Cash dividends to net income (ytd only)* | 287.6671% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8178% | 758 |
| Loan loss allowance to noncurrent loans | 535.1948% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.1883% | 4,143 |
| Noncurrent loans to loans | 0.3396% | 3,544 |
| Net loans and leases to total assets | 49.4852% | 4,598 |
| Net loans and leases to deposits | 54.1621% | 4,786 |
| Net loans and leases to core deposits | 60.0173% | 4,654 |
| Total domestic deposits to total assets | 91.3651% | 213 |
| Equity capital to assets | 7.2050% | 5,487 |
| Core capital (leverage) ratio | 7.7342% | 5,462 |
| Tier 1 risk-based capital ratio | 14.0267% | 3,371 |
| Total risk-based capital ratio | 15.2820% | 3,280 |
| Memoranda: | ||
| Average total assets | $444,441,500 | 1,580 |
| Average earning assets | $425,027,000 | 1,537 |
| Average equity | $34,811,000 | 2,112 |
| Average total loans | $227,392,500 | 1,981 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7560% | 4,200 |
| Cost of funding earning assets | 0.3648% | 3,567 |
| Net interest margin | 3.3912% | 3,877 |
| Noninterest income to average assets | 1.9185% | 314 |
| Noninterest expense to average assets | 3.4383% | 1,139 |
| Loan and lease loss provision to assets | 0.1671% | 1,315 |
| Net operating income to assets | 1.4851% | 835 |
| Return on assets (ROA) | 1.4949% | 834 |
| Pretax return on assets | 1.5618% | 1,414 |
| Return on Equity (ROE) | 17.8977% | 318 |
| Retained earnings to average equity (ytd only) | 9.7005% | 395 |
| Net charge-offs to loans | 0.1004% | 2,072 |
| Credit loss provision to net charge-offs | 327.2727% | 878 |
| Earnings coverage of net charge-offs (x) | 33.6591% | 1,426 |
| Efficiency ratio | 66.3126% | 3,204 |
| Assets per employee ($millions) | 3.5410% | 4,649 |
| Cash dividends to net income (ytd only)* | 45.8003% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7555% | 848 |
| Loan loss allowance to noncurrent loans | 897.7578% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.1054% | 4,607 |
| Noncurrent loans to loans | 0.1955% | 4,133 |
| Net loans and leases to total assets | 51.0326% | 4,592 |
| Net loans and leases to deposits | 56.5700% | 4,767 |
| Net loans and leases to core deposits | 62.5295% | 4,630 |
| Total domestic deposits to total assets | 90.2114% | 493 |
| Equity capital to assets | 8.4754% | 5,143 |
| Core capital (leverage) ratio | 8.5887% | 5,054 |
| Tier 1 risk-based capital ratio | 15.6859% | 2,557 |
| Total risk-based capital ratio | 16.9412% | 2,491 |
| Memoranda: | ||
| Average total assets | $430,857,600 | 1,611 |
| Average earning assets | $411,450,000 | 1,561 |
| Average equity | $35,987,800 | 2,025 |
| Average total loans | $219,162,800 | 2,005 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7240% | 4,257 |
| Cost of funding earning assets | 0.3568% | 3,603 |
| Net interest margin | 3.3673% | 3,961 |
| Noninterest income to average assets | 1.8815% | 340 |
| Noninterest expense to average assets | 3.3416% | 1,260 |
| Loan and lease loss provision to assets | 0.1679% | 1,206 |
| Net operating income to assets | 1.5151% | 864 |
| Return on assets (ROA) | 1.5283% | 865 |
| Pretax return on assets | 1.5991% | 1,425 |
| Return on Equity (ROE) | 18.3659% | 308 |
| Retained earnings to average equity (ytd only) | 7.3426% | 1,524 |
| Net charge-offs to loans | 0.0854% | 1,945 |
| Credit loss provision to net charge-offs | 388.4892% | 784 |
| Earnings coverage of net charge-offs (x) | 40.5681% | 1,284 |
| Efficiency ratio | 65.2203% | 3,338 |
| Assets per employee ($millions) | 3.5377% | 4,673 |
| Cash dividends to net income (ytd only)* | 60.0204% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6936% | 1,046 |
| Loan loss allowance to noncurrent loans | 899.7696% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.1045% | 4,718 |
| Noncurrent loans to loans | 0.1882% | 4,319 |
| Net loans and leases to total assets | 52.5185% | 4,536 |
| Net loans and leases to deposits | 58.4841% | 4,721 |
| Net loans and leases to core deposits | 64.2891% | 4,591 |
| Total domestic deposits to total assets | 89.7996% | 546 |
| Equity capital to assets | 8.6151% | 5,216 |
| Core capital (leverage) ratio | 8.3255% | 5,352 |
| Tier 1 risk-based capital ratio | 14.7311% | 3,047 |
| Total risk-based capital ratio | 15.9854% | 2,978 |
| Memoranda: | ||
| Average total assets | $428,801,500 | 1,618 |
| Average earning assets | $409,222,500 | 1,580 |
| Average equity | $35,681,250 | 2,047 |
| Average total loans | $216,933,750 | 2,031 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6359% | 4,411 |
| Cost of funding earning assets | 0.3537% | 3,544 |
| Net interest margin | 3.2822% | 4,160 |
| Noninterest income to average assets | 1.8174% | 370 |
| Noninterest expense to average assets | 3.3922% | 1,188 |
| Loan and lease loss provision to assets | 0.1683% | 1,170 |
| Net operating income to assets | 1.3302% | 1,215 |
| Return on assets (ROA) | 1.3499% | 1,204 |
| Pretax return on assets | 1.4093% | 1,983 |
| Return on Equity (ROE) | 16.4181% | 472 |
| Retained earnings to average equity (ytd only) | 3.6270% | 3,550 |
| Net charge-offs to loans | 0.1158% | 1,478 |
| Credit loss provision to net charge-offs | 292.6829% | 974 |
| Earnings coverage of net charge-offs (x) | 27.0813% | 1,552 |
| Efficiency ratio | 68.1621% | 2,984 |
| Assets per employee ($millions) | 3.6265% | 4,537 |
| Cash dividends to net income (ytd only)* | 77.9086% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7047% | 1,050 |
| Loan loss allowance to noncurrent loans | 468.7970% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.1873% | 4,426 |
| Noncurrent loans to loans | 0.3636% | 3,723 |
| Net loans and leases to total assets | 49.5687% | 4,734 |
| Net loans and leases to deposits | 54.9434% | 4,913 |
| Net loans and leases to core deposits | 60.1655% | 4,812 |
| Total domestic deposits to total assets | 90.2177% | 463 |
| Equity capital to assets | 8.3378% | 5,391 |
| Core capital (leverage) ratio | 8.0073% | 5,520 |
| Tier 1 risk-based capital ratio | 14.5994% | 3,114 |
| Total risk-based capital ratio | 15.8534% | 3,031 |
| Memoranda: | ||
| Average total assets | $427,868,000 | 1,623 |
| Average earning assets | $408,263,000 | 1,588 |
| Average equity | $35,180,670 | 2,066 |
| Average total loans | $212,386,330 | 2,069 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5970% | 4,428 |
| Cost of funding earning assets | 0.3547% | 3,477 |
| Net interest margin | 3.2424% | 4,208 |
| Noninterest income to average assets | 1.6869% | 399 |
| Noninterest expense to average assets | 3.5388% | 988 |
| Loan and lease loss provision to assets | 0.1697% | 1,045 |
| Net operating income to assets | 1.0089% | 2,267 |
| Return on assets (ROA) | 1.0089% | 2,318 |
| Pretax return on assets | 1.0730% | 3,080 |
| Return on Equity (ROE) | 12.3596% | 1,147 |
| Retained earnings to average equity (ytd only) | 3.6963% | 3,595 |
| Net charge-offs to loans | 0.0364% | 2,060 |
| Credit loss provision to net charge-offs | 947.3684% | 345 |
| Earnings coverage of net charge-offs (x) | 69.3684% | 727 |
| Efficiency ratio | 73.6147% | 2,296 |
| Assets per employee ($millions) | 3.7032% | 4,500 |
| Cash dividends to net income (ytd only)* | 70.0935% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7504% | 1,056 |
| Loan loss allowance to noncurrent loans | 1,313.6201% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.1517% | 4,647 |
| Noncurrent loans to loans | 0.1332% | 4,657 |
| Net loans and leases to total assets | 47.0776% | 4,887 |
| Net loans and leases to deposits | 51.9889% | 5,036 |
| Net loans and leases to core deposits | 56.7459% | 4,937 |
| Total domestic deposits to total assets | 90.5532% | 452 |
| Equity capital to assets | 8.0359% | 5,504 |
| Core capital (leverage) ratio | 8.0204% | 5,552 |
| Tier 1 risk-based capital ratio | 14.7995% | 3,065 |
| Total risk-based capital ratio | 16.0538% | 2,990 |
| Memoranda: | ||
| Average total assets | $424,215,000 | 1,649 |
| Average earning assets | $404,887,500 | 1,611 |
| Average equity | $34,629,000 | 2,103 |
| Average total loans | $208,854,000 | 2,109 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4623% | 4,870 |
| Cost of funding earning assets | 0.3409% | 3,623 |
| Net interest margin | 3.1214% | 4,668 |
| Noninterest income to average assets | 2.0881% | 329 |
| Noninterest expense to average assets | 3.4513% | 1,251 |
| Loan and lease loss provision to assets | 0.2213% | 993 |
| Net operating income to assets | 1.3450% | 1,106 |
| Return on assets (ROA) | 1.3937% | 1,052 |
| Pretax return on assets | 1.4457% | 1,763 |
| Return on Equity (ROE) | 16.5026% | 458 |
| Retained earnings to average equity (ytd only) | 1.4096% | 4,704 |
| Net charge-offs to loans | 0.0935% | 2,377 |
| Credit loss provision to net charge-offs | 511.1111% | 647 |
| Earnings coverage of net charge-offs (x) | 37.3333% | 1,234 |
| Efficiency ratio | 67.7266% | 3,295 |
| Assets per employee ($millions) | 3.4005% | 4,905 |
| Cash dividends to net income (ytd only)* | 91.4582% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6820% | 1,180 |
| Loan loss allowance to noncurrent loans | 876.0000% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.0972% | 4,933 |
| Noncurrent loans to loans | 0.1920% | 4,473 |
| Net loans and leases to total assets | 49.7798% | 4,779 |
| Net loans and leases to deposits | 55.1062% | 4,962 |
| Net loans and leases to core deposits | 59.0178% | 4,904 |
| Total domestic deposits to total assets | 90.3343% | 497 |
| Equity capital to assets | 8.2981% | 5,420 |
| Core capital (leverage) ratio | 8.1810% | 5,515 |
| Tier 1 risk-based capital ratio | 14.9120% | 3,007 |
| Total risk-based capital ratio | 16.1657% | 2,943 |
| Memoranda: | ||
| Average total assets | $415,784,800 | 1,627 |
| Average earning assets | $396,878,000 | 1,584 |
| Average equity | $35,115,600 | 2,067 |
| Average total loans | $192,588,400 | 2,178 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3657% | 5,094 |
| Cost of funding earning assets | 0.3364% | 3,695 |
| Net interest margin | 3.0293% | 4,956 |
| Noninterest income to average assets | 1.9795% | 351 |
| Noninterest expense to average assets | 3.4424% | 1,262 |
| Loan and lease loss provision to assets | 0.1727% | 1,305 |
| Net operating income to assets | 1.2101% | 1,612 |
| Return on assets (ROA) | 1.2742% | 1,470 |
| Pretax return on assets | 1.3232% | 2,342 |
| Return on Equity (ROE) | 15.0228% | 664 |
| Retained earnings to average equity (ytd only) | -4.9623% | 5,736 |
| Net charge-offs to loans | 0.0799% | 2,181 |
| Credit loss provision to net charge-offs | 477.8761% | 737 |
| Earnings coverage of net charge-offs (x) | 39.5406% | 1,256 |
| Efficiency ratio | 70.2712% | 2,850 |
| Assets per employee ($millions) | 3.2515% | 5,107 |
| Cash dividends to net income (ytd only)* | 133.0321% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6057% | 1,448 |
| Loan loss allowance to noncurrent loans | 1,060.1329% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 5,146 |
| Noncurrent loans to loans | 0.1515% | 4,740 |
| Net loans and leases to total assets | 46.9828% | 5,021 |
| Net loans and leases to deposits | 52.0982% | 5,198 |
| Net loans and leases to core deposits | 55.8930% | 5,153 |
| Total domestic deposits to total assets | 90.1813% | 411 |
| Equity capital to assets | 8.4674% | 5,546 |
| Core capital (leverage) ratio | 7.7847% | 5,763 |
| Tier 1 risk-based capital ratio | 14.6884% | 3,197 |
| Total risk-based capital ratio | 15.9409% | 3,133 |
| Memoranda: | ||
| Average total assets | $416,867,000 | 1,627 |
| Average earning assets | $397,969,250 | 1,578 |
| Average equity | $35,358,750 | 2,073 |
| Average total loans | $188,654,000 | 2,223 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3372% | 5,209 |
| Cost of funding earning assets | 0.3339% | 3,755 |
| Net interest margin | 3.0033% | 5,075 |
| Noninterest income to average assets | 1.4208% | 571 |
| Noninterest expense to average assets | 3.3359% | 1,517 |
| Loan and lease loss provision to assets | 0.1726% | 1,280 |
| Net operating income to assets | 0.7415% | 3,595 |
| Return on assets (ROA) | 0.8367% | 3,284 |
| Pretax return on assets | 0.8809% | 4,023 |
| Return on Equity (ROE) | 9.8592% | 2,109 |
| Retained earnings to average equity (ytd only) | -2.0057% | 5,541 |
| Net charge-offs to loans | 0.0680% | 2,215 |
| Credit loss provision to net charge-offs | 571.4286% | 592 |
| Earnings coverage of net charge-offs (x) | 31.5556% | 1,360 |
| Efficiency ratio | 77.3281% | 1,880 |
| Assets per employee ($millions) | 3.3171% | 5,035 |
| Cash dividends to net income (ytd only)* | 120.3438% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5644% | 1,637 |
| Loan loss allowance to noncurrent loans | 900.2941% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.0813% | 5,198 |
| Noncurrent loans to loans | 0.1738% | 4,739 |
| Net loans and leases to total assets | 46.0826% | 5,119 |
| Net loans and leases to deposits | 51.2123% | 5,288 |
| Net loans and leases to core deposits | 55.2479% | 5,211 |
| Total domestic deposits to total assets | 89.9833% | 493 |
| Equity capital to assets | 8.7397% | 5,452 |
| Core capital (leverage) ratio | 7.9568% | 5,749 |
| Tier 1 risk-based capital ratio | 15.2506% | 2,960 |
| Total risk-based capital ratio | 16.5026% | 2,897 |
| Memoranda: | ||
| Average total assets | $417,094,000 | 1,626 |
| Average earning assets | $398,357,330 | 1,578 |
| Average equity | $35,398,330 | 2,069 |
| Average total loans | $185,296,330 | 2,262 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3321% | 5,259 |
| Cost of funding earning assets | 0.3308% | 3,833 |
| Net interest margin | 3.0013% | 5,117 |
| Noninterest income to average assets | 1.3594% | 599 |
| Noninterest expense to average assets | 3.0547% | 2,227 |
| Loan and lease loss provision to assets | 0.1728% | 1,185 |
| Net operating income to assets | 0.9693% | 2,417 |
| Return on assets (ROA) | 1.0205% | 2,313 |
| Pretax return on assets | 1.0502% | 3,276 |
| Return on Equity (ROE) | 12.2066% | 1,249 |
| Retained earnings to average equity (ytd only) | -11.9081% | 5,859 |
| Net charge-offs to loans | 0.0489% | 2,060 |
| Credit loss provision to net charge-offs | 818.1818% | 427 |
| Earnings coverage of net charge-offs (x) | 55.4091% | 817 |
| Efficiency ratio | 71.8473% | 2,819 |
| Assets per employee ($millions) | 3.2954% | 5,135 |
| Cash dividends to net income (ytd only)* | 197.5541% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5827% | 1,664 |
| Loan loss allowance to noncurrent loans | 1,897.4026% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 5,485 |
| Noncurrent loans to loans | 0.0834% | 5,144 |
| Net loans and leases to total assets | 43.4152% | 5,278 |
| Net loans and leases to deposits | 48.5187% | 5,403 |
| Net loans and leases to core deposits | 52.2977% | 5,334 |
| Total domestic deposits to total assets | 89.4814% | 850 |
| Equity capital to assets | 8.3717% | 5,656 |
| Core capital (leverage) ratio | 7.8773% | 5,823 |
| Tier 1 risk-based capital ratio | 15.2862% | 3,020 |
| Total risk-based capital ratio | 16.5377% | 2,966 |
| Memoranda: | ||
| Average total assets | $416,664,000 | 1,625 |
| Average earning assets | $397,821,500 | 1,578 |
| Average equity | $34,833,500 | 2,097 |
| Average total loans | $180,112,000 | 2,308 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1385% | 5,593 |
| Cost of funding earning assets | 0.3624% | 3,554 |
| Net interest margin | 2.7761% | 5,560 |
| Noninterest income to average assets | 1.5541% | 517 |
| Noninterest expense to average assets | 3.2240% | 1,905 |
| Loan and lease loss provision to assets | 0.1471% | 1,599 |
| Net operating income to assets | 0.7996% | 3,344 |
| Return on assets (ROA) | 0.8446% | 3,205 |
| Pretax return on assets | 0.8787% | 3,924 |
| Return on Equity (ROE) | 10.3071% | 1,880 |
| Retained earnings to average equity (ytd only) | 8.8107% | 702 |
| Net charge-offs to loans | 0.0760% | 2,740 |
| Credit loss provision to net charge-offs | 483.8710% | 651 |
| Earnings coverage of net charge-offs (x) | 32.1935% | 1,382 |
| Efficiency ratio | 76.2399% | 2,235 |
| Assets per employee ($millions) | 3.2407% | 5,243 |
| Cash dividends to net income (ytd only)* | 14.5180% | 3,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5740% | 1,705 |
| Loan loss allowance to noncurrent loans | 1,561.5819% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 5,511 |
| Noncurrent loans to loans | 0.1008% | 5,096 |
| Net loans and leases to total assets | 41.6667% | 5,428 |
| Net loans and leases to deposits | 46.0606% | 5,558 |
| Net loans and leases to core deposits | 49.7111% | 5,512 |
| Total domestic deposits to total assets | 90.4608% | 445 |
| Equity capital to assets | 8.3483% | 5,670 |
| Core capital (leverage) ratio | 8.1573% | 5,724 |
| Tier 1 risk-based capital ratio | 16.4132% | 2,527 |
| Total risk-based capital ratio | 17.6643% | 2,478 |
| Memoranda: | ||
| Average total assets | $407,759,000 | 1,620 |
| Average earning assets | $389,071,800 | 1,568 |
| Average equity | $33,413,800 | 2,128 |
| Average total loans | $163,110,000 | 2,424 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0923% | 5,717 |
| Cost of funding earning assets | 0.3728% | 3,511 |
| Net interest margin | 2.7195% | 5,701 |
| Noninterest income to average assets | 1.4985% | 551 |
| Noninterest expense to average assets | 3.1510% | 2,080 |
| Loan and lease loss provision to assets | 0.1478% | 1,476 |
| Net operating income to assets | 0.7644% | 3,616 |
| Return on assets (ROA) | 0.8089% | 3,489 |
| Pretax return on assets | 0.8407% | 4,202 |
| Return on Equity (ROE) | 9.9183% | 2,137 |
| Retained earnings to average equity (ytd only) | 9.9183% | 645 |
| Net charge-offs to loans | 0.0400% | 3,087 |
| Credit loss provision to net charge-offs | 937.5000% | 388 |
| Earnings coverage of net charge-offs (x) | 59.7694% | 923 |
| Efficiency ratio | 76.5003% | 2,158 |
| Assets per employee ($millions) | 3.4165% | 4,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6094% | 1,755 |
| Loan loss allowance to noncurrent loans | 580.9935% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.1178% | 5,276 |
| Noncurrent loans to loans | 0.2770% | 4,587 |
| Net loans and leases to total assets | 40.1126% | 5,585 |
| Net loans and leases to deposits | 44.9800% | 5,689 |
| Net loans and leases to core deposits | 48.6516% | 5,626 |
| Total domestic deposits to total assets | 89.1789% | 930 |
| Equity capital to assets | 8.5409% | 5,683 |
| Core capital (leverage) ratio | 8.0555% | 5,870 |
| Tier 1 risk-based capital ratio | 16.6650% | 2,494 |
| Total risk-based capital ratio | 17.9162% | 2,453 |
| Memoranda: | ||
| Average total assets | $405,995,500 | 1,637 |
| Average earning assets | $387,367,250 | 1,583 |
| Average equity | $33,109,750 | 2,155 |
| Average total loans | $159,986,750 | 2,475 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0715% | 5,772 |
| Cost of funding earning assets | 0.3839% | 3,437 |
| Net interest margin | 2.6876% | 5,779 |
| Noninterest income to average assets | 1.4773% | 582 |
| Noninterest expense to average assets | 3.0974% | 2,248 |
| Loan and lease loss provision to assets | 0.1483% | 1,448 |
| Net operating income to assets | 0.7669% | 3,550 |
| Return on assets (ROA) | 0.8338% | 3,317 |
| Pretax return on assets | 0.8649% | 4,084 |
| Return on Equity (ROE) | 10.3897% | 1,901 |
| Retained earnings to average equity (ytd only) | 10.3897% | 606 |
| Net charge-offs to loans | -0.0025% | 4,618 |
| Credit loss provision to net charge-offs | -15,000.0000% | 5,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1619% | 2,327 |
| Assets per employee ($millions) | 3.2802% | 5,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6061% | 1,888 |
| Loan loss allowance to noncurrent loans | 1,438.8889% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 5,660 |
| Noncurrent loans to loans | 0.1116% | 5,309 |
| Net loans and leases to total assets | 39.0103% | 5,684 |
| Net loans and leases to deposits | 43.1115% | 5,795 |
| Net loans and leases to core deposits | 46.4676% | 5,746 |
| Total domestic deposits to total assets | 90.4872% | 458 |
| Equity capital to assets | 8.1754% | 5,896 |
| Core capital (leverage) ratio | 7.8397% | 6,000 |
| Tier 1 risk-based capital ratio | 16.7820% | 2,493 |
| Total risk-based capital ratio | 18.0331% | 2,449 |
| Memoranda: | ||
| Average total assets | $404,668,000 | 1,650 |
| Average earning assets | $385,999,670 | 1,603 |
| Average equity | $32,474,330 | 2,198 |
| Average total loans | $157,601,330 | 2,514 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0709% | 5,818 |
| Cost of funding earning assets | 0.3901% | 3,412 |
| Net interest margin | 2.6808% | 5,831 |
| Noninterest income to average assets | 1.4399% | 566 |
| Noninterest expense to average assets | 2.9928% | 2,608 |
| Loan and lease loss provision to assets | 0.1487% | 1,367 |
| Net operating income to assets | 0.8182% | 3,166 |
| Return on assets (ROA) | 0.9038% | 2,851 |
| Pretax return on assets | 0.9415% | 3,733 |
| Return on Equity (ROE) | 11.3698% | 1,527 |
| Retained earnings to average equity (ytd only) | 11.3698% | 668 |
| Net charge-offs to loans | -0.0796% | 5,746 |
| Credit loss provision to net charge-offs | -483.8710% | 4,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4417% | 2,741 |
| Assets per employee ($millions) | 3.2660% | 5,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5775% | 2,132 |
| Loan loss allowance to noncurrent loans | 566.2844% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 5,513 |
| Noncurrent loans to loans | 0.2786% | 4,784 |
| Net loans and leases to total assets | 37.4333% | 5,752 |
| Net loans and leases to deposits | 41.3981% | 5,868 |
| Net loans and leases to core deposits | 44.7625% | 5,812 |
| Total domestic deposits to total assets | 90.4227% | 556 |
| Equity capital to assets | 8.0996% | 5,988 |
| Core capital (leverage) ratio | 7.7855% | 6,037 |
| Tier 1 risk-based capital ratio | 16.6052% | 2,638 |
| Total risk-based capital ratio | 17.8560% | 2,585 |
| Memoranda: | ||
| Average total assets | $403,629,000 | 1,659 |
| Average earning assets | $384,512,500 | 1,612 |
| Average equity | $32,085,000 | 2,229 |
| Average total loans | $155,770,500 | 2,546 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3901% | 5,552 |
| Cost of funding earning assets | 0.4934% | 2,731 |
| Net interest margin | 2.8967% | 5,653 |
| Noninterest income to average assets | 1.6328% | 475 |
| Noninterest expense to average assets | 3.8164% | 969 |
| Loan and lease loss provision to assets | 0.0944% | 2,578 |
| Net operating income to assets | 0.4579% | 4,980 |
| Return on assets (ROA) | 0.4746% | 5,003 |
| Pretax return on assets | 0.4891% | 5,279 |
| Return on Equity (ROE) | 5.6502% | 4,335 |
| Retained earnings to average equity (ytd only) | 5.6502% | 2,171 |
| Net charge-offs to loans | 0.1737% | 2,287 |
| Credit loss provision to net charge-offs | 126.5823% | 1,890 |
| Earnings coverage of net charge-offs (x) | 7.5949% | 3,011 |
| Efficiency ratio | 86.8442% | 1,094 |
| Assets per employee ($millions) | 3.1915% | 5,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4759% | 2,583 |
| Loan loss allowance to noncurrent loans | 730.9904% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.0844% | 5,692 |
| Noncurrent loans to loans | 0.2019% | 5,095 |
| Net loans and leases to total assets | 38.5959% | 5,817 |
| Net loans and leases to deposits | 42.5500% | 5,948 |
| Net loans and leases to core deposits | 46.0397% | 5,890 |
| Total domestic deposits to total assets | 90.7071% | 460 |
| Equity capital to assets | 7.7927% | 6,144 |
| Core capital (leverage) ratio | 7.5424% | 6,191 |
| Tier 1 risk-based capital ratio | 16.7927% | 2,599 |
| Total risk-based capital ratio | 18.0512% | 2,546 |
| Memoranda: | ||
| Average total assets | $317,921,000 | 2,045 |
| Average earning assets | $301,791,800 | 1,989 |
| Average equity | $26,707,200 | 2,514 |
| Average total loans | $136,428,800 | 2,753 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4674% | 5,455 |
| Cost of funding earning assets | 0.5137% | 2,622 |
| Net interest margin | 2.9537% | 5,596 |
| Noninterest income to average assets | 1.6162% | 495 |
| Noninterest expense to average assets | 3.6582% | 1,201 |
| Loan and lease loss provision to assets | 0.1005% | 2,361 |
| Net operating income to assets | 0.6444% | 4,238 |
| Return on assets (ROA) | 0.6580% | 4,276 |
| Pretax return on assets | 0.6737% | 4,789 |
| Return on Equity (ROE) | 7.6495% | 3,383 |
| Retained earnings to average equity (ytd only) | 7.6495% | 1,511 |
| Net charge-offs to loans | 0.1558% | 2,251 |
| Credit loss provision to net charge-offs | 146.1039% | 1,615 |
| Earnings coverage of net charge-offs (x) | 11.0519% | 2,475 |
| Efficiency ratio | 82.6812% | 1,527 |
| Assets per employee ($millions) | 3.0556% | 5,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6187% | 2,236 |
| Loan loss allowance to noncurrent loans | 659.7701% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.1012% | 5,762 |
| Noncurrent loans to loans | 0.2453% | 5,165 |
| Net loans and leases to total assets | 35.4014% | 6,054 |
| Net loans and leases to deposits | 39.0091% | 6,154 |
| Net loans and leases to core deposits | 41.6079% | 6,133 |
| Total domestic deposits to total assets | 90.7518% | 437 |
| Equity capital to assets | 7.6834% | 6,251 |
| Core capital (leverage) ratio | 7.8488% | 6,158 |
| Tier 1 risk-based capital ratio | 17.9527% | 2,226 |
| Total risk-based capital ratio | 19.2138% | 2,182 |
| Memoranda: | ||
| Average total assets | $298,465,750 | 2,182 |
| Average earning assets | $283,161,000 | 2,120 |
| Average equity | $25,674,250 | 2,611 |
| Average total loans | $131,779,000 | 2,834 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7293% | 4,769 |
| Cost of funding earning assets | 0.5489% | 2,359 |
| Net interest margin | 3.1804% | 5,007 |
| Noninterest income to average assets | 1.7782% | 418 |
| Noninterest expense to average assets | 3.5189% | 1,440 |
| Loan and lease loss provision to assets | 0.1125% | 2,148 |
| Net operating income to assets | 1.1225% | 1,849 |
| Return on assets (ROA) | 1.1412% | 1,870 |
| Pretax return on assets | 1.1832% | 2,747 |
| Return on Equity (ROE) | 12.6031% | 1,281 |
| Retained earnings to average equity (ytd only) | 12.6031% | 369 |
| Net charge-offs to loans | 0.0903% | 2,778 |
| Credit loss provision to net charge-offs | 258.6207% | 967 |
| Earnings coverage of net charge-offs (x) | 29.3276% | 1,271 |
| Efficiency ratio | 73.3844% | 3,091 |
| Assets per employee ($millions) | 2.9143% | 5,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6476% | 2,297 |
| Loan loss allowance to noncurrent loans | 377.6316% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.2359% | 5,394 |
| Noncurrent loans to loans | 0.4363% | 4,680 |
| Net loans and leases to total assets | 48.9885% | 5,077 |
| Net loans and leases to deposits | 57.9933% | 5,043 |
| Net loans and leases to core deposits | 62.0548% | 4,967 |
| Total domestic deposits to total assets | 84.4726% | 3,739 |
| Equity capital to assets | 9.2696% | 5,013 |
| Core capital (leverage) ratio | 9.6584% | 4,103 |
| Tier 1 risk-based capital ratio | 16.7904% | 2,711 |
| Total risk-based capital ratio | 18.0529% | 2,669 |
| Memoranda: | ||
| Average total assets | $266,562,330 | 2,396 |
| Average earning assets | $252,861,000 | 2,330 |
| Average equity | $24,137,000 | 2,741 |
| Average total loans | $128,425,330 | 2,891 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7070% | 4,824 |
| Cost of funding earning assets | 0.5716% | 2,229 |
| Net interest margin | 3.1355% | 5,131 |
| Noninterest income to average assets | 1.8526% | 381 |
| Noninterest expense to average assets | 3.5652% | 1,369 |
| Loan and lease loss provision to assets | 0.1154% | 2,034 |
| Net operating income to assets | 1.1156% | 1,752 |
| Return on assets (ROA) | 1.1156% | 1,815 |
| Pretax return on assets | 1.1433% | 2,723 |
| Return on Equity (ROE) | 12.4793% | 1,284 |
| Retained earnings to average equity (ytd only) | 12.4793% | 544 |
| Net charge-offs to loans | 0.1204% | 2,001 |
| Credit loss provision to net charge-offs | 202.7027% | 1,028 |
| Earnings coverage of net charge-offs (x) | 22.1081% | 1,264 |
| Efficiency ratio | 73.9075% | 3,158 |
| Assets per employee ($millions) | 2.9958% | 5,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8004% | 2,038 |
| Loan loss allowance to noncurrent loans | 429.5019% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.2181% | 5,553 |
| Noncurrent loans to loans | 0.4192% | 4,878 |
| Net loans and leases to total assets | 46.3842% | 5,294 |
| Net loans and leases to deposits | 52.2941% | 5,439 |
| Net loans and leases to core deposits | 56.0535% | 5,348 |
| Total domestic deposits to total assets | 88.6987% | 1,833 |
| Equity capital to assets | 9.1165% | 4,983 |
| Core capital (leverage) ratio | 9.5837% | 4,154 |
| Tier 1 risk-based capital ratio | 17.9984% | 2,297 |
| Total risk-based capital ratio | 19.2624% | 2,271 |
| Memoranda: | ||
| Average total assets | $259,955,500 | 2,456 |
| Average earning assets | $246,342,000 | 2,385 |
| Average equity | $23,238,500 | 2,818 |
| Average total loans | $122,961,000 | 3,010 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6284% | 5,338 |
| Cost of funding earning assets | 0.6825% | 1,940 |
| Net interest margin | 2.9460% | 5,694 |
| Noninterest income to average assets | 1.7457% | 488 |
| Noninterest expense to average assets | 3.3333% | 2,045 |
| Loan and lease loss provision to assets | 0.1392% | 2,566 |
| Net operating income to assets | 1.0186% | 2,254 |
| Return on assets (ROA) | 1.0182% | 2,312 |
| Pretax return on assets | 1.0611% | 3,106 |
| Return on Equity (ROE) | 11.0577% | 1,748 |
| Retained earnings to average equity (ytd only) | 3.0814% | 4,040 |
| Net charge-offs to loans | 0.1410% | 3,399 |
| Credit loss provision to net charge-offs | 222.2222% | 1,028 |
| Earnings coverage of net charge-offs (x) | 19.1728% | 1,618 |
| Efficiency ratio | 73.5186% | 3,213 |
| Assets per employee ($millions) | 3.0150% | 5,808 |
| Cash dividends to net income (ytd only)* | 72.1336% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8155% | 2,019 |
| Loan loss allowance to noncurrent loans | 620.8451% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.2435% | 5,539 |
| Noncurrent loans to loans | 0.2924% | 5,312 |
| Net loans and leases to total assets | 46.5089% | 5,449 |
| Net loans and leases to deposits | 52.2339% | 5,601 |
| Net loans and leases to core deposits | 55.6548% | 5,558 |
| Total domestic deposits to total assets | 89.0396% | 1,595 |
| Equity capital to assets | 8.7573% | 5,301 |
| Core capital (leverage) ratio | 9.4815% | 4,297 |
| Tier 1 risk-based capital ratio | 17.8838% | 2,277 |
| Total risk-based capital ratio | 19.1462% | 2,240 |
| Memoranda: | ||
| Average total assets | $258,692,400 | 2,444 |
| Average earning assets | $244,844,000 | 2,375 |
| Average equity | $23,820,600 | 2,744 |
| Average total loans | $114,868,400 | 3,151 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6294% | 5,359 |
| Cost of funding earning assets | 0.6989% | 1,958 |
| Net interest margin | 2.9305% | 5,737 |
| Noninterest income to average assets | 1.7318% | 513 |
| Noninterest expense to average assets | 3.2230% | 2,292 |
| Loan and lease loss provision to assets | 0.1388% | 2,559 |
| Net operating income to assets | 1.0947% | 2,026 |
| Return on assets (ROA) | 1.0942% | 2,106 |
| Pretax return on assets | 1.1420% | 2,938 |
| Return on Equity (ROE) | 11.7412% | 1,560 |
| Retained earnings to average equity (ytd only) | 6.2237% | 2,275 |
| Net charge-offs to loans | 0.0848% | 3,736 |
| Credit loss provision to net charge-offs | 375.0000% | 704 |
| Earnings coverage of net charge-offs (x) | 34.6102% | 1,106 |
| Efficiency ratio | 71.5525% | 3,497 |
| Assets per employee ($millions) | 2.9763% | 5,886 |
| Cash dividends to net income (ytd only)* | 46.9925% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9255% | 1,921 |
| Loan loss allowance to noncurrent loans | 379.3460% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.2546% | 5,676 |
| Noncurrent loans to loans | 0.5076% | 4,924 |
| Net loans and leases to total assets | 44.3744% | 5,697 |
| Net loans and leases to deposits | 50.1170% | 5,830 |
| Net loans and leases to core deposits | 53.6205% | 5,791 |
| Total domestic deposits to total assets | 88.5417% | 1,821 |
| Equity capital to assets | 9.1265% | 5,019 |
| Core capital (leverage) ratio | 9.6993% | 4,107 |
| Tier 1 risk-based capital ratio | 19.0981% | 1,959 |
| Total risk-based capital ratio | 20.3621% | 1,923 |
| Memoranda: | ||
| Average total assets | $259,296,000 | 2,461 |
| Average earning assets | $245,323,000 | 2,390 |
| Average equity | $24,165,000 | 2,746 |
| Average total loans | $113,236,500 | 3,202 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5741% | 5,514 |
| Cost of funding earning assets | 0.7074% | 2,022 |
| Net interest margin | 2.8667% | 5,855 |
| Noninterest income to average assets | 1.7552% | 541 |
| Noninterest expense to average assets | 3.1615% | 2,474 |
| Loan and lease loss provision to assets | 0.1377% | 2,605 |
| Net operating income to assets | 1.1118% | 1,885 |
| Return on assets (ROA) | 1.1125% | 2,002 |
| Pretax return on assets | 1.1699% | 2,806 |
| Return on Equity (ROE) | 11.8579% | 1,536 |
| Retained earnings to average equity (ytd only) | 3.7025% | 3,951 |
| Net charge-offs to loans | 0.0567% | 3,892 |
| Credit loss provision to net charge-offs | 562.5000% | 507 |
| Earnings coverage of net charge-offs (x) | 53.3750% | 765 |
| Efficiency ratio | 70.7534% | 3,684 |
| Assets per employee ($millions) | 2.9598% | 5,912 |
| Cash dividends to net income (ytd only)* | 68.7758% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8986% | 2,116 |
| Loan loss allowance to noncurrent loans | 444.1237% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.2132% | 5,861 |
| Noncurrent loans to loans | 0.4275% | 5,193 |
| Net loans and leases to total assets | 43.2226% | 5,806 |
| Net loans and leases to deposits | 48.9007% | 5,927 |
| Net loans and leases to core deposits | 51.9487% | 5,893 |
| Total domestic deposits to total assets | 88.3885% | 1,993 |
| Equity capital to assets | 9.1140% | 5,087 |
| Core capital (leverage) ratio | 9.4063% | 4,382 |
| Tier 1 risk-based capital ratio | 18.1978% | 2,247 |
| Total risk-based capital ratio | 19.4605% | 2,202 |
| Memoranda: | ||
| Average total assets | $261,398,670 | 2,449 |
| Average earning assets | $247,390,670 | 2,375 |
| Average equity | $24,523,670 | 2,714 |
| Average total loans | $112,826,670 | 3,214 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5497% | 5,580 |
| Cost of funding earning assets | 0.7189% | 2,067 |
| Net interest margin | 2.8307% | 5,970 |
| Noninterest income to average assets | 1.6708% | 557 |
| Noninterest expense to average assets | 3.1517% | 2,509 |
| Loan and lease loss provision to assets | 0.1367% | 2,533 |
| Net operating income to assets | 1.0040% | 2,204 |
| Return on assets (ROA) | 1.0040% | 2,320 |
| Pretax return on assets | 1.0556% | 3,123 |
| Return on Equity (ROE) | 10.5545% | 1,856 |
| Retained earnings to average equity (ytd only) | -5.4130% | 6,395 |
| Net charge-offs to loans | 0.0569% | 3,259 |
| Credit loss provision to net charge-offs | 562.5000% | 478 |
| Earnings coverage of net charge-offs (x) | 49.0625% | 681 |
| Efficiency ratio | 72.5524% | 3,509 |
| Assets per employee ($millions) | 2.9361% | 6,098 |
| Cash dividends to net income (ytd only)* | 151.2859% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8881% | 2,337 |
| Loan loss allowance to noncurrent loans | 855.9671% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.1293% | 6,184 |
| Noncurrent loans to loans | 0.2206% | 5,859 |
| Net loans and leases to total assets | 41.3610% | 5,885 |
| Net loans and leases to deposits | 46.8060% | 6,005 |
| Net loans and leases to core deposits | 49.5044% | 6,005 |
| Total domestic deposits to total assets | 88.3669% | 2,088 |
| Equity capital to assets | 9.4576% | 4,909 |
| Core capital (leverage) ratio | 9.0915% | 4,733 |
| Tier 1 risk-based capital ratio | 18.5213% | 2,183 |
| Total risk-based capital ratio | 19.7793% | 2,152 |
| Memoranda: | ||
| Average total assets | $263,346,000 | 2,457 |
| Average earning assets | $248,698,000 | 2,390 |
| Average equity | $25,051,000 | 2,700 |
| Average total loans | $112,513,000 | 3,241 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7565% | 5,933 |
| Cost of funding earning assets | 0.8589% | 2,223 |
| Net interest margin | 2.8976% | 6,229 |
| Noninterest income to average assets | 1.7826% | 520 |
| Noninterest expense to average assets | 3.3138% | 2,293 |
| Loan and lease loss provision to assets | 0.1376% | 3,896 |
| Net operating income to assets | 1.0347% | 2,189 |
| Return on assets (ROA) | 1.0729% | 2,233 |
| Pretax return on assets | 1.1149% | 3,104 |
| Return on Equity (ROE) | 11.1252% | 1,765 |
| Retained earnings to average equity (ytd only) | 2.8021% | 4,270 |
| Net charge-offs to loans | 0.0862% | 4,815 |
| Credit loss provision to net charge-offs | 382.9787% | 638 |
| Earnings coverage of net charge-offs (x) | 33.7553% | 922 |
| Efficiency ratio | 73.2078% | 3,206 |
| Assets per employee ($millions) | 3.0858% | 5,866 |
| Cash dividends to net income (ytd only)* | 74.8130% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7464% | 2,769 |
| Loan loss allowance to noncurrent loans | 329.3924% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.3090% | 5,748 |
| Noncurrent loans to loans | 0.5302% | 5,206 |
| Net loans and leases to total assets | 42.5273% | 5,946 |
| Net loans and leases to deposits | 48.1702% | 6,098 |
| Net loans and leases to core deposits | 50.7690% | 6,102 |
| Total domestic deposits to total assets | 88.2854% | 2,036 |
| Equity capital to assets | 9.5667% | 4,800 |
| Core capital (leverage) ratio | 9.1660% | 4,636 |
| Tier 1 risk-based capital ratio | 18.2132% | 2,191 |
| Total risk-based capital ratio | 19.4693% | 2,147 |
| Memoranda: | ||
| Average total assets | $261,634,800 | 2,420 |
| Average earning assets | $247,758,800 | 2,345 |
| Average equity | $25,231,000 | 2,631 |
| Average total loans | $109,009,000 | 3,316 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8045% | 6,013 |
| Cost of funding earning assets | 0.8863% | 2,260 |
| Net interest margin | 2.9182% | 6,321 |
| Noninterest income to average assets | 1.7486% | 513 |
| Noninterest expense to average assets | 3.2548% | 2,408 |
| Loan and lease loss provision to assets | 0.1381% | 3,819 |
| Net operating income to assets | 1.0844% | 2,151 |
| Return on assets (ROA) | 1.1374% | 2,152 |
| Pretax return on assets | 1.1809% | 3,057 |
| Return on Equity (ROE) | 11.7708% | 1,715 |
| Retained earnings to average equity (ytd only) | 0.6563% | 5,892 |
| Net charge-offs to loans | 0.0583% | 4,848 |
| Credit loss provision to net charge-offs | 574.4681% | 457 |
| Earnings coverage of net charge-offs (x) | 52.5703% | 725 |
| Efficiency ratio | 72.0317% | 3,325 |
| Assets per employee ($millions) | 3.1078% | 5,831 |
| Cash dividends to net income (ytd only)* | 94.4244% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7953% | 2,814 |
| Loan loss allowance to noncurrent loans | 688.7719% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.2310% | 6,127 |
| Noncurrent loans to loans | 0.2606% | 5,970 |
| Net loans and leases to total assets | 41.1328% | 6,189 |
| Net loans and leases to deposits | 46.6620% | 6,340 |
| Net loans and leases to core deposits | 49.2799% | 6,324 |
| Total domestic deposits to total assets | 88.1506% | 1,954 |
| Equity capital to assets | 9.5748% | 5,103 |
| Core capital (leverage) ratio | 8.9805% | 5,094 |
| Tier 1 risk-based capital ratio | 18.4543% | 2,184 |
| Total risk-based capital ratio | 19.7105% | 2,146 |
| Memoranda: | ||
| Average total assets | $260,699,000 | 2,451 |
| Average earning assets | $247,455,000 | 2,373 |
| Average equity | $25,191,750 | 2,662 |
| Average total loans | $107,545,250 | 3,379 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8439% | 6,045 |
| Cost of funding earning assets | 0.9118% | 2,309 |
| Net interest margin | 2.9321% | 6,375 |
| Noninterest income to average assets | 1.6855% | 530 |
| Noninterest expense to average assets | 3.2973% | 2,309 |
| Loan and lease loss provision to assets | 0.1382% | 3,795 |
| Net operating income to assets | 0.9955% | 2,485 |
| Return on assets (ROA) | 1.0715% | 2,382 |
| Pretax return on assets | 1.1098% | 3,270 |
| Return on Equity (ROE) | 11.0544% | 1,977 |
| Retained earnings to average equity (ytd only) | 11.0544% | 737 |
| Net charge-offs to loans | 0.0430% | 4,772 |
| Credit loss provision to net charge-offs | 782.6087% | 401 |
| Earnings coverage of net charge-offs (x) | 66.2609% | 589 |
| Efficiency ratio | 73.8144% | 3,109 |
| Assets per employee ($millions) | 3.0931% | 5,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7553% | 3,006 |
| Loan loss allowance to noncurrent loans | 977.8351% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.1955% | 6,295 |
| Noncurrent loans to loans | 0.1795% | 6,222 |
| Net loans and leases to total assets | 40.3835% | 6,315 |
| Net loans and leases to deposits | 45.9650% | 6,441 |
| Net loans and leases to core deposits | 48.5351% | 6,427 |
| Total domestic deposits to total assets | 87.8570% | 2,248 |
| Equity capital to assets | 9.9419% | 4,431 |
| Core capital (leverage) ratio | 9.3323% | 4,408 |
| Tier 1 risk-based capital ratio | 19.3503% | 1,886 |
| Total risk-based capital ratio | 20.6052% | 1,857 |
| Memoranda: | ||
| Average total assets | $260,579,000 | 2,454 |
| Average earning assets | $247,197,330 | 2,378 |
| Average equity | $25,257,000 | 2,639 |
| Average total loans | $106,945,670 | 3,405 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8756% | 6,078 |
| Cost of funding earning assets | 0.9506% | 2,304 |
| Net interest margin | 2.9250% | 6,449 |
| Noninterest income to average assets | 1.7455% | 501 |
| Noninterest expense to average assets | 3.2921% | 2,310 |
| Loan and lease loss provision to assets | 0.1388% | 3,622 |
| Net operating income to assets | 1.0254% | 2,383 |
| Return on assets (ROA) | 1.0254% | 2,569 |
| Pretax return on assets | 1.0902% | 3,362 |
| Return on Equity (ROE) | 10.7189% | 2,133 |
| Retained earnings to average equity (ytd only) | 10.7189% | 1,107 |
| Net charge-offs to loans | -0.1579% | 6,929 |
| Credit loss provision to net charge-offs | -214.2857% | 5,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8172% | 3,287 |
| Assets per employee ($millions) | 3.1213% | 5,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7913% | 3,024 |
| Loan loss allowance to noncurrent loans | 615.7895% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.2132% | 6,352 |
| Noncurrent loans to loans | 0.2909% | 6,094 |
| Net loans and leases to total assets | 39.1440% | 6,416 |
| Net loans and leases to deposits | 44.0176% | 6,558 |
| Net loans and leases to core deposits | 46.3976% | 6,540 |
| Total domestic deposits to total assets | 88.9282% | 1,742 |
| Equity capital to assets | 9.5065% | 4,799 |
| Core capital (leverage) ratio | 9.4540% | 4,112 |
| Tier 1 risk-based capital ratio | 18.9768% | 1,992 |
| Total risk-based capital ratio | 20.2301% | 1,952 |
| Memoranda: | ||
| Average total assets | $259,410,000 | 2,485 |
| Average earning assets | $246,154,000 | 2,400 |
| Average equity | $24,816,000 | 2,681 |
| Average total loans | $106,382,500 | 3,447 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1691% | 6,142 |
| Cost of funding earning assets | 1.1585% | 2,290 |
| Net interest margin | 3.0106% | 6,513 |
| Noninterest income to average assets | 1.7653% | 459 |
| Noninterest expense to average assets | 3.1970% | 2,878 |
| Loan and lease loss provision to assets | 0.1465% | 4,781 |
| Net operating income to assets | 1.2584% | 1,355 |
| Return on assets (ROA) | 1.2600% | 1,448 |
| Pretax return on assets | 1.2856% | 2,190 |
| Return on Equity (ROE) | 13.5667% | 1,039 |
| Retained earnings to average equity (ytd only) | 13.1286% | 216 |
| Net charge-offs to loans | 0.2799% | 4,022 |
| Credit loss provision to net charge-offs | 122.8669% | 2,573 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,661 |
| Efficiency ratio | 69.0874% | 4,134 |
| Assets per employee ($millions) | 3.0192% | 6,044 |
| Cash dividends to net income (ytd only)* | 3.2289% | 4,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6072% | 3,557 |
| Loan loss allowance to noncurrent loans | 1,137.2549% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0908% | 6,726 |
| Noncurrent loans to loans | 0.1413% | 6,456 |
| Net loans and leases to total assets | 41.5077% | 6,421 |
| Net loans and leases to deposits | 46.7692% | 6,582 |
| Net loans and leases to core deposits | 49.2872% | 6,572 |
| Total domestic deposits to total assets | 88.7500% | 1,685 |
| Equity capital to assets | 9.6274% | 4,707 |
| Core capital (leverage) ratio | 9.2021% | 4,463 |
| Tier 1 risk-based capital ratio | 18.3554% | 2,090 |
| Total risk-based capital ratio | 19.6072% | 2,058 |
| Memoranda: | ||
| Average total assets | $245,790,600 | 2,573 |
| Average earning assets | $233,671,400 | 2,464 |
| Average equity | $22,828,000 | 2,802 |
| Average total loans | $104,668,800 | 3,510 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2193% | 6,160 |
| Cost of funding earning assets | 1.1998% | 2,318 |
| Net interest margin | 3.0196% | 6,546 |
| Noninterest income to average assets | 1.6910% | 482 |
| Noninterest expense to average assets | 3.2164% | 2,781 |
| Loan and lease loss provision to assets | 0.1481% | 4,595 |
| Net operating income to assets | 1.1815% | 1,706 |
| Return on assets (ROA) | 1.1837% | 1,819 |
| Pretax return on assets | 1.2001% | 2,634 |
| Return on Equity (ROE) | 12.8689% | 1,314 |
| Retained earnings to average equity (ytd only) | 12.2726% | 472 |
| Net charge-offs to loans | 0.1336% | 4,718 |
| Credit loss provision to net charge-offs | 259.6154% | 1,103 |
| Earnings coverage of net charge-offs (x) | 23.5967% | 1,108 |
| Efficiency ratio | 70.4977% | 3,857 |
| Assets per employee ($millions) | 2.9560% | 6,220 |
| Cash dividends to net income (ytd only)* | 4.6339% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7878% | 2,986 |
| Loan loss allowance to noncurrent loans | 432.7059% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.2786% | 6,363 |
| Noncurrent loans to loans | 0.4132% | 6,019 |
| Net loans and leases to total assets | 40.2078% | 6,613 |
| Net loans and leases to deposits | 45.2969% | 6,772 |
| Net loans and leases to core deposits | 47.8551% | 6,767 |
| Total domestic deposits to total assets | 88.7651% | 1,569 |
| Equity capital to assets | 9.4929% | 5,103 |
| Core capital (leverage) ratio | 8.9697% | 4,985 |
| Tier 1 risk-based capital ratio | 18.5204% | 2,085 |
| Total risk-based capital ratio | 19.7740% | 2,042 |
| Memoranda: | ||
| Average total assets | $243,080,250 | 2,605 |
| Average earning assets | $231,152,000 | 2,500 |
| Average equity | $22,358,250 | 2,849 |
| Average total loans | $103,770,500 | 3,548 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2520% | 6,156 |
| Cost of funding earning assets | 1.2305% | 2,378 |
| Net interest margin | 3.0215% | 6,569 |
| Noninterest income to average assets | 1.6958% | 468 |
| Noninterest expense to average assets | 3.2253% | 2,822 |
| Loan and lease loss provision to assets | 0.1498% | 4,438 |
| Net operating income to assets | 1.1966% | 1,584 |
| Return on assets (ROA) | 1.1999% | 1,651 |
| Pretax return on assets | 1.1949% | 2,503 |
| Return on Equity (ROE) | 13.1928% | 1,157 |
| Retained earnings to average equity (ytd only) | 12.2779% | 486 |
| Net charge-offs to loans | 0.1461% | 4,314 |
| Credit loss provision to net charge-offs | 236.8421% | 1,273 |
| Earnings coverage of net charge-offs (x) | 21.2105% | 1,158 |
| Efficiency ratio | 70.6268% | 4,006 |
| Assets per employee ($millions) | 2.8988% | 6,303 |
| Cash dividends to net income (ytd only)* | 6.9348% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7259% | 3,241 |
| Loan loss allowance to noncurrent loans | 560.5678% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.2464% | 6,512 |
| Noncurrent loans to loans | 0.3079% | 6,306 |
| Net loans and leases to total assets | 41.0658% | 6,662 |
| Net loans and leases to deposits | 46.1857% | 6,818 |
| Net loans and leases to core deposits | 48.8375% | 6,812 |
| Total domestic deposits to total assets | 88.9146% | 1,585 |
| Equity capital to assets | 9.3451% | 5,085 |
| Core capital (leverage) ratio | 8.8578% | 4,947 |
| Tier 1 risk-based capital ratio | 18.1186% | 2,134 |
| Total risk-based capital ratio | 19.3717% | 2,087 |
| Memoranda: | ||
| Average total assets | $240,353,000 | 2,654 |
| Average earning assets | $228,363,330 | 2,549 |
| Average equity | $21,860,330 | 2,895 |
| Average total loans | $104,072,000 | 3,581 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3198% | 5,953 |
| Cost of funding earning assets | 1.2557% | 2,463 |
| Net interest margin | 3.0640% | 6,434 |
| Noninterest income to average assets | 1.6652% | 490 |
| Noninterest expense to average assets | 3.2461% | 2,717 |
| Loan and lease loss provision to assets | 0.1517% | 4,127 |
| Net operating income to assets | 1.2388% | 1,426 |
| Return on assets (ROA) | 1.2388% | 1,481 |
| Pretax return on assets | 1.1832% | 2,440 |
| Return on Equity (ROE) | 13.8174% | 1,026 |
| Retained earnings to average equity (ytd only) | 11.9375% | 744 |
| Net charge-offs to loans | 0.0918% | 4,021 |
| Credit loss provision to net charge-offs | 375.0000% | 879 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 782 |
| Efficiency ratio | 70.8609% | 4,083 |
| Assets per employee ($millions) | 2.7934% | 6,550 |
| Cash dividends to net income (ytd only)* | 13.6054% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6857% | 3,390 |
| Loan loss allowance to noncurrent loans | 533.4356% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.2635% | 6,518 |
| Noncurrent loans to loans | 0.3160% | 6,359 |
| Net loans and leases to total assets | 42.2181% | 6,598 |
| Net loans and leases to deposits | 47.0830% | 6,791 |
| Net loans and leases to core deposits | 49.8290% | 6,781 |
| Total domestic deposits to total assets | 89.6674% | 1,379 |
| Equity capital to assets | 9.0613% | 5,110 |
| Core capital (leverage) ratio | 8.7310% | 5,034 |
| Tier 1 risk-based capital ratio | 17.3219% | 2,370 |
| Total risk-based capital ratio | 18.5740% | 2,341 |
| Memoranda: | ||
| Average total assets | $237,331,000 | 2,706 |
| Average earning assets | $225,845,000 | 2,592 |
| Average equity | $21,277,500 | 2,948 |
| Average total loans | $104,627,000 | 3,609 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6089% | 6,086 |
| Cost of funding earning assets | 1.3678% | 3,469 |
| Net interest margin | 3.2411% | 6,163 |
| Noninterest income to average assets | 1.9183% | 423 |
| Noninterest expense to average assets | 3.4421% | 2,327 |
| Loan and lease loss provision to assets | 0.2238% | 5,040 |
| Net operating income to assets | 1.2601% | 1,266 |
| Return on assets (ROA) | 1.2601% | 1,336 |
| Pretax return on assets | 1.3246% | 1,873 |
| Return on Equity (ROE) | 14.2113% | 848 |
| Retained earnings to average equity (ytd only) | 12.2568% | 254 |
| Net charge-offs to loans | 0.1811% | 5,231 |
| Credit loss provision to net charge-offs | 269.8413% | 1,025 |
| Earnings coverage of net charge-offs (x) | 18.6720% | 1,098 |
| Efficiency ratio | 68.9731% | 4,379 |
| Assets per employee ($millions) | 2.8589% | 6,422 |
| Cash dividends to net income (ytd only)* | 13.7535% | 3,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5769% | 3,673 |
| Loan loss allowance to noncurrent loans | 694.1909% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.2342% | 6,649 |
| Noncurrent loans to loans | 0.2272% | 6,608 |
| Net loans and leases to total assets | 44.5423% | 6,671 |
| Net loans and leases to deposits | 49.6206% | 6,874 |
| Net loans and leases to core deposits | 52.5138% | 6,879 |
| Total domestic deposits to total assets | 89.7659% | 1,225 |
| Equity capital to assets | 8.8670% | 5,330 |
| Core capital (leverage) ratio | 8.6448% | 5,113 |
| Tier 1 risk-based capital ratio | 16.7877% | 2,431 |
| Total risk-based capital ratio | 18.0395% | 2,396 |
| Memoranda: | ||
| Average total assets | $227,913,200 | 2,781 |
| Average earning assets | $216,038,000 | 2,676 |
| Average equity | $20,209,200 | 3,121 |
| Average total loans | $104,364,800 | 3,671 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6283% | 6,261 |
| Cost of funding earning assets | 1.3821% | 3,692 |
| Net interest margin | 3.2462% | 6,187 |
| Noninterest income to average assets | 1.8566% | 425 |
| Noninterest expense to average assets | 3.3615% | 2,394 |
| Loan and lease loss provision to assets | 0.1591% | 5,451 |
| Net operating income to assets | 1.3416% | 1,252 |
| Return on assets (ROA) | 1.3416% | 1,327 |
| Pretax return on assets | 1.4112% | 1,850 |
| Return on Equity (ROE) | 15.1306% | 837 |
| Retained earnings to average equity (ytd only) | 12.5059% | 400 |
| Net charge-offs to loans | 0.1911% | 4,807 |
| Credit loss provision to net charge-offs | 181.2081% | 2,018 |
| Earnings coverage of net charge-offs (x) | 17.8860% | 1,297 |
| Efficiency ratio | 68.1601% | 4,439 |
| Assets per employee ($millions) | 2.9631% | 6,238 |
| Cash dividends to net income (ytd only)* | 17.3473% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4009% | 4,450 |
| Loan loss allowance to noncurrent loans | 285.4651% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.5084% | 6,158 |
| Noncurrent loans to loans | 0.4907% | 6,215 |
| Net loans and leases to total assets | 44.2898% | 6,817 |
| Net loans and leases to deposits | 49.6475% | 7,016 |
| Net loans and leases to core deposits | 53.1005% | 7,004 |
| Total domestic deposits to total assets | 89.2084% | 1,280 |
| Equity capital to assets | 9.2442% | 5,236 |
| Core capital (leverage) ratio | 8.6179% | 5,318 |
| Tier 1 risk-based capital ratio | 16.4568% | 2,577 |
| Total risk-based capital ratio | 17.6974% | 2,533 |
| Memoranda: | ||
| Average total assets | $226,283,750 | 2,836 |
| Average earning assets | $214,355,500 | 2,733 |
| Average equity | $20,064,750 | 3,183 |
| Average total loans | $103,932,500 | 3,734 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6860% | 6,187 |
| Cost of funding earning assets | 1.3989% | 3,879 |
| Net interest margin | 3.2871% | 6,057 |
| Noninterest income to average assets | 1.8213% | 407 |
| Noninterest expense to average assets | 3.3216% | 2,498 |
| Loan and lease loss provision to assets | 0.1609% | 5,282 |
| Net operating income to assets | 1.3823% | 1,120 |
| Return on assets (ROA) | 1.3823% | 1,190 |
| Pretax return on assets | 1.4503% | 1,695 |
| Return on Equity (ROE) | 15.8240% | 724 |
| Retained earnings to average equity (ytd only) | 11.7810% | 520 |
| Net charge-offs to loans | 0.1526% | 4,724 |
| Credit loss provision to net charge-offs | 227.8481% | 1,699 |
| Earnings coverage of net charge-offs (x) | 22.8101% | 1,120 |
| Efficiency ratio | 67.3373% | 4,708 |
| Assets per employee ($millions) | 2.7787% | 6,617 |
| Cash dividends to net income (ytd only)* | 25.5498% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3887% | 4,477 |
| Loan loss allowance to noncurrent loans | 182.3087% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.5047% | 6,192 |
| Noncurrent loans to loans | 0.7617% | 5,750 |
| Net loans and leases to total assets | 45.8412% | 6,785 |
| Net loans and leases to deposits | 51.2984% | 7,009 |
| Net loans and leases to core deposits | 55.6267% | 6,962 |
| Total domestic deposits to total assets | 89.3619% | 1,247 |
| Equity capital to assets | 9.1995% | 5,147 |
| Core capital (leverage) ratio | 8.2739% | 5,816 |
| Tier 1 risk-based capital ratio | 15.9230% | 2,709 |
| Total risk-based capital ratio | 17.1530% | 2,678 |
| Memoranda: | ||
| Average total assets | $223,684,670 | 2,887 |
| Average earning assets | $211,736,330 | 2,793 |
| Average equity | $19,540,000 | 3,238 |
| Average total loans | $103,527,670 | 3,783 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7923% | 5,912 |
| Cost of funding earning assets | 1.4031% | 4,150 |
| Net interest margin | 3.3893% | 5,627 |
| Noninterest income to average assets | 1.6503% | 467 |
| Noninterest expense to average assets | 3.2073% | 2,829 |
| Loan and lease loss provision to assets | 0.1614% | 4,915 |
| Net operating income to assets | 1.5086% | 881 |
| Return on assets (ROA) | 1.5086% | 950 |
| Pretax return on assets | 1.4925% | 1,537 |
| Return on Equity (ROE) | 17.7454% | 536 |
| Retained earnings to average equity (ytd only) | 17.7454% | 256 |
| Net charge-offs to loans | 0.1165% | 4,278 |
| Credit loss provision to net charge-offs | 300.0000% | 1,310 |
| Earnings coverage of net charge-offs (x) | 30.7333% | 854 |
| Efficiency ratio | 65.9779% | 5,121 |
| Assets per employee ($millions) | 2.8922% | 6,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 4,517 |
| Loan loss allowance to noncurrent loans | 207.6471% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.3672% | 6,557 |
| Noncurrent loans to loans | 0.6646% | 5,996 |
| Net loans and leases to total assets | 44.1601% | 6,977 |
| Net loans and leases to deposits | 49.0341% | 7,179 |
| Net loans and leases to core deposits | 54.1228% | 7,094 |
| Total domestic deposits to total assets | 90.0598% | 957 |
| Equity capital to assets | 8.6149% | 5,851 |
| Core capital (leverage) ratio | 8.3485% | 5,642 |
| Tier 1 risk-based capital ratio | 16.5198% | 2,438 |
| Total risk-based capital ratio | 17.7700% | 2,391 |
| Memoranda: | ||
| Average total assets | $222,988,500 | 2,954 |
| Average earning assets | $211,254,000 | 2,863 |
| Average equity | $18,957,000 | 3,325 |
| Average total loans | $102,976,000 | 3,856 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3154% | 5,100 |
| Cost of funding earning assets | 1.6766% | 4,636 |
| Net interest margin | 3.6389% | 4,391 |
| Noninterest income to average assets | 1.9933% | 376 |
| Noninterest expense to average assets | 3.5898% | 2,172 |
| Loan and lease loss provision to assets | 0.2474% | 5,413 |
| Net operating income to assets | 1.5308% | 630 |
| Return on assets (ROA) | 1.5308% | 674 |
| Pretax return on assets | 1.5872% | 988 |
| Return on Equity (ROE) | 17.8457% | 380 |
| Retained earnings to average equity (ytd only) | 11.9295% | 212 |
| Net charge-offs to loans | 0.4526% | 3,969 |
| Credit loss provision to net charge-offs | 110.9890% | 4,953 |
| Earnings coverage of net charge-offs (x) | 8.2308% | 1,974 |
| Efficiency ratio | 66.1790% | 5,364 |
| Assets per employee ($millions) | 2.8617% | 6,537 |
| Cash dividends to net income (ytd only)* | 33.1520% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3045% | 4,730 |
| Loan loss allowance to noncurrent loans | 107.3868% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.5789% | 6,013 |
| Noncurrent loans to loans | 1.2148% | 4,924 |
| Net loans and leases to total assets | 47.0311% | 6,894 |
| Net loans and leases to deposits | 52.1282% | 7,151 |
| Net loans and leases to core deposits | 65.7856% | 6,995 |
| Total domestic deposits to total assets | 90.2221% | 869 |
| Equity capital to assets | 8.3820% | 6,078 |
| Core capital (leverage) ratio | 8.1664% | 5,873 |
| Tier 1 risk-based capital ratio | 15.0015% | 2,936 |
| Total risk-based capital ratio | 16.1502% | 2,948 |
| Memoranda: | ||
| Average total assets | $204,135,800 | 3,134 |
| Average earning assets | $192,476,800 | 3,066 |
| Average equity | $17,511,200 | 3,581 |
| Average total loans | $100,520,000 | 3,931 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4515% | 4,685 |
| Cost of funding earning assets | 1.7263% | 4,767 |
| Net interest margin | 3.7252% | 3,968 |
| Noninterest income to average assets | 2.0179% | 359 |
| Noninterest expense to average assets | 3.6201% | 1,982 |
| Loan and lease loss provision to assets | 0.1594% | 5,756 |
| Net operating income to assets | 1.6992% | 561 |
| Return on assets (ROA) | 1.6992% | 589 |
| Pretax return on assets | 1.7503% | 880 |
| Return on Equity (ROE) | 19.6862% | 332 |
| Retained earnings to average equity (ytd only) | 11.7164% | 379 |
| Net charge-offs to loans | 0.3382% | 3,951 |
| Credit loss provision to net charge-offs | 94.8617% | 5,342 |
| Earnings coverage of net charge-offs (x) | 11.3678% | 1,860 |
| Efficiency ratio | 65.4659% | 5,463 |
| Assets per employee ($millions) | 2.6675% | 6,914 |
| Cash dividends to net income (ytd only)* | 40.4847% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2912% | 4,560 |
| Loan loss allowance to noncurrent loans | 144.5067% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.4325% | 6,371 |
| Noncurrent loans to loans | 0.8935% | 5,494 |
| Net loans and leases to total assets | 46.1759% | 7,099 |
| Net loans and leases to deposits | 51.5854% | 7,323 |
| Net loans and leases to core deposits | 64.9122% | 7,207 |
| Total domestic deposits to total assets | 89.5134% | 955 |
| Equity capital to assets | 8.4706% | 6,283 |
| Core capital (leverage) ratio | 8.2001% | 6,015 |
| Tier 1 risk-based capital ratio | 14.9998% | 3,039 |
| Total risk-based capital ratio | 16.1312% | 3,038 |
| Memoranda: | ||
| Average total assets | $200,797,250 | 3,197 |
| Average earning assets | $189,299,500 | 3,126 |
| Average equity | $17,331,500 | 3,642 |
| Average total loans | $99,740,000 | 3,995 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6216% | 3,960 |
| Cost of funding earning assets | 1.7724% | 4,898 |
| Net interest margin | 3.8492% | 3,343 |
| Noninterest income to average assets | 2.1374% | 330 |
| Noninterest expense to average assets | 3.7732% | 1,695 |
| Loan and lease loss provision to assets | 0.1526% | 5,547 |
| Net operating income to assets | 1.7376% | 526 |
| Return on assets (ROA) | 1.7376% | 569 |
| Pretax return on assets | 1.8261% | 808 |
| Return on Equity (ROE) | 19.9961% | 341 |
| Retained earnings to average equity (ytd only) | 8.3356% | 1,108 |
| Net charge-offs to loans | 0.0441% | 5,847 |
| Credit loss provision to net charge-offs | 681.8182% | 686 |
| Earnings coverage of net charge-offs (x) | 88.4091% | 432 |
| Efficiency ratio | 65.5996% | 5,613 |
| Assets per employee ($millions) | 2.5010% | 7,245 |
| Cash dividends to net income (ytd only)* | 58.3138% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4451% | 3,495 |
| Loan loss allowance to noncurrent loans | 171.6687% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.4306% | 6,380 |
| Noncurrent loans to loans | 0.8418% | 5,537 |
| Net loans and leases to total assets | 47.5541% | 7,074 |
| Net loans and leases to deposits | 53.5999% | 7,299 |
| Net loans and leases to core deposits | 67.1799% | 7,164 |
| Total domestic deposits to total assets | 88.7206% | 1,419 |
| Equity capital to assets | 8.2660% | 6,389 |
| Core capital (leverage) ratio | 8.2299% | 5,924 |
| Tier 1 risk-based capital ratio | 14.4781% | 3,262 |
| Total risk-based capital ratio | 15.7287% | 3,205 |
| Memoranda: | ||
| Average total assets | $196,597,330 | 3,264 |
| Average earning assets | $184,610,670 | 3,205 |
| Average equity | $17,083,330 | 3,697 |
| Average total loans | $99,711,000 | 4,026 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5604% | 4,581 |
| Cost of funding earning assets | 1.7977% | 5,121 |
| Net interest margin | 3.7627% | 3,608 |
| Noninterest income to average assets | 2.3082% | 279 |
| Noninterest expense to average assets | 3.6765% | 1,699 |
| Loan and lease loss provision to assets | 0.1248% | 5,361 |
| Net operating income to assets | 2.0629% | 314 |
| Return on assets (ROA) | 2.0629% | 356 |
| Pretax return on assets | 2.0587% | 590 |
| Return on Equity (ROE) | 23.1384% | 260 |
| Retained earnings to average equity (ytd only) | -0.0933% | 5,668 |
| Net charge-offs to loans | 0.0160% | 5,354 |
| Credit loss provision to net charge-offs | 1,500.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 262.5000% | 159 |
| Efficiency ratio | 62.7395% | 5,920 |
| Assets per employee ($millions) | 2.4417% | 7,390 |
| Cash dividends to net income (ytd only)* | 100.4032% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3688% | 3,688 |
| Loan loss allowance to noncurrent loans | 248.2633% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.3132% | 6,577 |
| Noncurrent loans to loans | 0.5514% | 6,036 |
| Net loans and leases to total assets | 48.8732% | 6,954 |
| Net loans and leases to deposits | 55.1829% | 7,210 |
| Net loans and leases to core deposits | 69.1534% | 7,072 |
| Total domestic deposits to total assets | 88.5658% | 1,448 |
| Equity capital to assets | 8.3610% | 6,298 |
| Core capital (leverage) ratio | 8.2293% | 6,041 |
| Tier 1 risk-based capital ratio | 13.9804% | 3,599 |
| Total risk-based capital ratio | 15.2004% | 3,544 |
| Memoranda: | ||
| Average total assets | $192,355,000 | 3,326 |
| Average earning assets | $181,569,500 | 3,259 |
| Average equity | $17,149,000 | 3,707 |
| Average total loans | $100,089,000 | 4,025 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2023% | 4,504 |
| Cost of funding earning assets | 2.3949% | 4,736 |
| Net interest margin | 3.8073% | 3,989 |
| Noninterest income to average assets | 2.3690% | 273 |
| Noninterest expense to average assets | 4.4288% | 925 |
| Loan and lease loss provision to assets | 0.3651% | 3,499 |
| Net operating income to assets | 1.0674% | 2,269 |
| Return on assets (ROA) | 1.5801% | 831 |
| Pretax return on assets | 1.6668% | 1,223 |
| Return on Equity (ROE) | 17.8082% | 545 |
| Retained earnings to average equity (ytd only) | 16.7475% | 59 |
| Net charge-offs to loans | 0.5295% | 2,242 |
| Credit loss provision to net charge-offs | 123.0769% | 4,360 |
| Earnings coverage of net charge-offs (x) | 5.0308% | 3,775 |
| Efficiency ratio | 74.7977% | 3,441 |
| Assets per employee ($millions) | 2.2499% | 7,635 |
| Cash dividends to net income (ytd only)* | 5.9567% | 4,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 3,860 |
| Loan loss allowance to noncurrent loans | 222.5641% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.3171% | 6,338 |
| Noncurrent loans to loans | 0.5794% | 5,630 |
| Net loans and leases to total assets | 54.0213% | 6,650 |
| Net loans and leases to deposits | 62.0022% | 6,943 |
| Net loans and leases to core deposits | 77.3054% | 6,784 |
| Total domestic deposits to total assets | 87.1280% | 1,878 |
| Equity capital to assets | 9.5168% | 4,665 |
| Core capital (leverage) ratio | 8.4915% | 5,592 |
| Tier 1 risk-based capital ratio | 14.2410% | 3,424 |
| Total risk-based capital ratio | 15.4320% | 3,383 |
| Memoranda: | ||
| Average total assets | $175,308,200 | 3,469 |
| Average earning assets | $163,552,600 | 3,423 |
| Average equity | $15,554,600 | 4,013 |
| Average total loans | $98,206,400 | 4,001 |