Home > First Bank of Alabama > Performance and Condition Ratios
First Bank of Alabama, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9259% | 699 |
| Cost of funding earning assets | 2.0183% | 894 |
| Net interest margin | 3.9076% | 1,359 |
| Noninterest income to average assets | 0.8900% | 777 |
| Noninterest expense to average assets | 2.5515% | 2,151 |
| Loan and lease loss provision to assets | 0.2400% | 482 |
| Net operating income to assets | 1.4286% | 1,162 |
| Return on assets (ROA) | 1.4150% | 1,162 |
| Pretax return on assets | 1.6276% | 1,185 |
| Return on Equity (ROE) | 22.6100% | 419 |
| Retained earnings to average equity (ytd only) | 16.1133% | 260 |
| Net charge-offs to loans | 0.1018% | 894 |
| Credit loss provision to net charge-offs | 345.5490% | 863 |
| Earnings coverage of net charge-offs (x) | 27.1484% | 1,694 |
| Efficiency ratio | 56.2221% | 3,478 |
| Assets per employee ($millions) | 7.3512% | 1,844 |
| Cash dividends to net income (ytd only)* | 28.7430% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8537% | 487 |
| Loan loss allowance to noncurrent loans | 443.2893% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.3193% | 1,668 |
| Noncurrent loans to loans | 0.4182% | 1,734 |
| Net loans and leases to total assets | 68.5300% | 1,973 |
| Net loans and leases to deposits | 74.0029% | 2,616 |
| Net loans and leases to core deposits | 84.6049% | 2,413 |
| Total domestic deposits to total assets | 92.6000% | 219 |
| Equity capital to assets | 6.7644% | 4,026 |
| Core capital (leverage) ratio | 10.0799% | 2,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4172% | 2,096 |
| Memoranda: | ||
| Average total assets | $970,964,200 | 1,010 |
| Average earning assets | $881,215,800 | 1,018 |
| Average equity | $60,757,200 | 1,383 |
| Average total loans | $662,000,600 | 1,011 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8157% | 670 |
| Cost of funding earning assets | 1.8756% | 895 |
| Net interest margin | 3.9401% | 1,324 |
| Noninterest income to average assets | 0.9000% | 762 |
| Noninterest expense to average assets | 2.5514% | 2,080 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.8254% | 638 |
| Return on assets (ROA) | 1.8051% | 655 |
| Pretax return on assets | 1.8626% | 909 |
| Return on Equity (ROE) | 29.4600% | 237 |
| Retained earnings to average equity (ytd only) | 22.8775% | 173 |
| Net charge-offs to loans | 0.0454% | 1,240 |
| Credit loss provision to net charge-offs | 138.1166% | 1,372 |
| Earnings coverage of net charge-offs (x) | 62.6682% | 1,182 |
| Efficiency ratio | 55.6975% | 3,419 |
| Assets per employee ($millions) | 7.2972% | 1,756 |
| Cash dividends to net income (ytd only)* | 22.3317% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6428% | 797 |
| Loan loss allowance to noncurrent loans | 333.0057% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.3811% | 1,514 |
| Noncurrent loans to loans | 0.4933% | 1,585 |
| Net loans and leases to total assets | 69.4900% | 1,889 |
| Net loans and leases to deposits | 74.9156% | 2,500 |
| Net loans and leases to core deposits | 85.5352% | 2,214 |
| Total domestic deposits to total assets | 92.7500% | 342 |
| Equity capital to assets | 5.8565% | 4,036 |
| Core capital (leverage) ratio | 9.8863% | 2,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9060% | 1,931 |
| Memoranda: | ||
| Average total assets | $967,441,000 | 1,015 |
| Average earning assets | $879,255,000 | 1,024 |
| Average equity | $59,288,250 | 1,395 |
| Average total loans | $655,557,750 | 1,017 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6309% | 707 |
| Cost of funding earning assets | 1.6621% | 946 |
| Net interest margin | 3.9688% | 1,299 |
| Noninterest income to average assets | 0.9700% | 596 |
| Noninterest expense to average assets | 2.5496% | 2,073 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.9833% | 480 |
| Return on assets (ROA) | 1.9833% | 478 |
| Pretax return on assets | 2.0069% | 738 |
| Return on Equity (ROE) | 32.2800% | 178 |
| Retained earnings to average equity (ytd only) | 25.7232% | 114 |
| Net charge-offs to loans | 0.0377% | 1,153 |
| Credit loss provision to net charge-offs | 154.0984% | 1,181 |
| Earnings coverage of net charge-offs (x) | 81.1639% | 1,040 |
| Efficiency ratio | 54.2283% | 3,589 |
| Assets per employee ($millions) | 7.8670% | 1,381 |
| Cash dividends to net income (ytd only)* | 20.3125% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6405% | 857 |
| Loan loss allowance to noncurrent loans | 357.4632% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.3316% | 1,593 |
| Noncurrent loans to loans | 0.4589% | 1,567 |
| Net loans and leases to total assets | 65.4300% | 2,218 |
| Net loans and leases to deposits | 70.2044% | 2,770 |
| Net loans and leases to core deposits | 79.5308% | 2,501 |
| Total domestic deposits to total assets | 93.2000% | 223 |
| Equity capital to assets | 6.1252% | 4,115 |
| Core capital (leverage) ratio | 9.5208% | 3,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $968,078,667 | 1,008 |
| Average earning assets | $883,586,333 | 1,014 |
| Average equity | $59,479,333 | 1,395 |
| Average total loans | $647,246,667 | 1,011 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5264% | 596 |
| Cost of funding earning assets | 1.4074% | 1,008 |
| Net interest margin | 4.1190% | 1,068 |
| Noninterest income to average assets | 1.2200% | 434 |
| Noninterest expense to average assets | 2.6914% | 1,701 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.7437% | 757 |
| Return on assets (ROA) | 1.7437% | 748 |
| Pretax return on assets | 2.2080% | 561 |
| Return on Equity (ROE) | 28.3300% | 274 |
| Retained earnings to average equity (ytd only) | 21.5968% | 301 |
| Net charge-offs to loans | 0.0317% | 1,080 |
| Credit loss provision to net charge-offs | 338.0000% | 652 |
| Earnings coverage of net charge-offs (x) | 107.2400% | 758 |
| Efficiency ratio | 52.9507% | 3,711 |
| Assets per employee ($millions) | 7.3315% | 1,727 |
| Cash dividends to net income (ytd only)* | 23.7747% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7161% | 783 |
| Loan loss allowance to noncurrent loans | 475.9338% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.2453% | 1,894 |
| Noncurrent loans to loans | 0.3606% | 1,854 |
| Net loans and leases to total assets | 66.8700% | 1,960 |
| Net loans and leases to deposits | 71.6802% | 2,497 |
| Net loans and leases to core deposits | 81.1738% | 2,170 |
| Total domestic deposits to total assets | 93.2800% | 261 |
| Equity capital to assets | 6.1326% | 4,157 |
| Core capital (leverage) ratio | 9.5781% | 3,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2373% | 2,287 |
| Memoranda: | ||
| Average total assets | $940,760,500 | 1,049 |
| Average earning assets | $857,777,500 | 1,059 |
| Average equity | $57,897,500 | 1,438 |
| Average total loans | $630,722,000 | 1,040 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7406% | 479 |
| Cost of funding earning assets | 0.5873% | 952 |
| Net interest margin | 4.1533% | 605 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 2.3896% | 2,456 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.4292% | 1,050 |
| Return on assets (ROA) | 1.3656% | 1,184 |
| Pretax return on assets | 1.7205% | 879 |
| Return on Equity (ROE) | 17.3700% | 800 |
| Retained earnings to average equity (ytd only) | 6.4951% | 2,451 |
| Net charge-offs to loans | 0.1560% | 531 |
| Credit loss provision to net charge-offs | 163.0734% | 1,249 |
| Earnings coverage of net charge-offs (x) | 19.7706% | 1,901 |
| Efficiency ratio | 54.1802% | 3,780 |
| Assets per employee ($millions) | 7.1403% | 1,868 |
| Cash dividends to net income (ytd only)* | 62.5980% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1026% | 2,885 |
| Loan loss allowance to noncurrent loans | 68.2341% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 1.0959% | 383 |
| Noncurrent loans to loans | 1.6159% | 395 |
| Net loans and leases to total assets | 65.2800% | 2,111 |
| Net loans and leases to deposits | 69.9278% | 2,587 |
| Net loans and leases to core deposits | 77.5198% | 2,315 |
| Total domestic deposits to total assets | 93.3600% | 335 |
| Equity capital to assets | 6.1770% | 4,028 |
| Core capital (leverage) ratio | 9.9769% | 2,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8280% | 2,042 |
| Memoranda: | ||
| Average total assets | $878,292,800 | 1,101 |
| Average earning assets | $805,840,000 | 1,103 |
| Average equity | $69,067,200 | 1,267 |
| Average total loans | $558,819,600 | 1,092 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5664% | 452 |
| Cost of funding earning assets | 0.4658% | 904 |
| Net interest margin | 4.1006% | 518 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 2.3172% | 2,584 |
| Loan and lease loss provision to assets | 0.2200% | 387 |
| Net operating income to assets | 1.4313% | 1,004 |
| Return on assets (ROA) | 1.4212% | 1,003 |
| Pretax return on assets | 1.7877% | 752 |
| Return on Equity (ROE) | 17.1000% | 776 |
| Retained earnings to average equity (ytd only) | 4.9312% | 3,127 |
| Net charge-offs to loans | 0.0183% | 1,475 |
| Credit loss provision to net charge-offs | 1,873.3333% | 266 |
| Earnings coverage of net charge-offs (x) | 174.9467% | 674 |
| Efficiency ratio | 52.7359% | 3,950 |
| Assets per employee ($millions) | 7.7469% | 1,451 |
| Cash dividends to net income (ytd only)* | 71.1613% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2723% | 2,165 |
| Loan loss allowance to noncurrent loans | 72.6390% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 1.2232% | 330 |
| Noncurrent loans to loans | 1.7515% | 372 |
| Net loans and leases to total assets | 67.5400% | 1,723 |
| Net loans and leases to deposits | 74.1573% | 2,035 |
| Net loans and leases to core deposits | 82.1950% | 1,752 |
| Total domestic deposits to total assets | 91.0700% | 1,214 |
| Equity capital to assets | 6.1834% | 3,888 |
| Core capital (leverage) ratio | 10.6711% | 1,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5996% | 1,844 |
| Memoranda: | ||
| Average total assets | $867,591,750 | 1,120 |
| Average earning assets | $797,743,000 | 1,119 |
| Average equity | $72,110,000 | 1,235 |
| Average total loans | $546,517,500 | 1,104 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3482% | 483 |
| Cost of funding earning assets | 0.3918% | 970 |
| Net interest margin | 3.9564% | 544 |
| Noninterest income to average assets | 0.5682% | 1,872 |
| Noninterest expense to average assets | 2.2552% | 2,688 |
| Loan and lease loss provision to assets | 0.1928% | 448 |
| Net operating income to assets | 1.4021% | 902 |
| Return on assets (ROA) | 1.4021% | 878 |
| Pretax return on assets | 1.7710% | 638 |
| Return on Equity (ROE) | 15.5567% | 788 |
| Retained earnings to average equity (ytd only) | 3.1241% | 3,406 |
| Net charge-offs to loans | -0.0560% | 4,282 |
| Credit loss provision to net charge-offs | -563.0872% | 3,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7021% | 4,074 |
| Assets per employee ($millions) | 7.5743% | 1,566 |
| Cash dividends to net income (ytd only)* | 79.9180% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2995% | 2,195 |
| Loan loss allowance to noncurrent loans | 66.3508% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 1.2938% | 309 |
| Noncurrent loans to loans | 1.9585% | 333 |
| Net loans and leases to total assets | 63.3809% | 1,978 |
| Net loans and leases to deposits | 68.7626% | 2,322 |
| Net loans and leases to core deposits | 76.1027% | 2,006 |
| Total domestic deposits to total assets | 92.1735% | 773 |
| Equity capital to assets | 7.1642% | 3,682 |
| Core capital (leverage) ratio | 10.2727% | 2,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2492% | 1,641 |
| Memoranda: | ||
| Average total assets | $870,152,667 | 1,113 |
| Average earning assets | $802,961,667 | 1,119 |
| Average equity | $78,422,667 | 1,185 |
| Average total loans | $532,611,667 | 1,117 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2018% | 513 |
| Cost of funding earning assets | 0.3595% | 1,134 |
| Net interest margin | 3.8423% | 578 |
| Noninterest income to average assets | 0.5886% | 1,743 |
| Noninterest expense to average assets | 2.1963% | 2,846 |
| Loan and lease loss provision to assets | 0.1222% | 681 |
| Net operating income to assets | 1.4677% | 681 |
| Return on assets (ROA) | 1.4677% | 676 |
| Pretax return on assets | 1.8325% | 510 |
| Return on Equity (ROE) | 14.8043% | 686 |
| Retained earnings to average equity (ytd only) | 3.5918% | 3,077 |
| Net charge-offs to loans | -0.0366% | 4,157 |
| Credit loss provision to net charge-offs | -558.3333% | 3,162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1529% | 4,190 |
| Assets per employee ($millions) | 7.8307% | 1,475 |
| Cash dividends to net income (ytd only)* | 75.7378% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2076% | 2,818 |
| Loan loss allowance to noncurrent loans | 58.2568% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 1.2908% | 320 |
| Noncurrent loans to loans | 2.0730% | 342 |
| Net loans and leases to total assets | 60.3495% | 2,028 |
| Net loans and leases to deposits | 66.8149% | 2,261 |
| Net loans and leases to core deposits | 73.9973% | 1,937 |
| Total domestic deposits to total assets | 90.3235% | 1,374 |
| Equity capital to assets | 8.9106% | 2,795 |
| Core capital (leverage) ratio | 10.1938% | 2,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3714% | 1,675 |
| Memoranda: | ||
| Average total assets | $877,280,500 | 1,104 |
| Average earning assets | $813,366,000 | 1,110 |
| Average equity | $86,975,000 | 1,115 |
| Average total loans | $524,109,000 | 1,122 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2491% | 922 |
| Cost of funding earning assets | 0.4439% | 1,245 |
| Net interest margin | 3.8052% | 999 |
| Noninterest income to average assets | 0.6478% | 1,950 |
| Noninterest expense to average assets | 2.2605% | 2,913 |
| Loan and lease loss provision to assets | 0.1207% | 1,027 |
| Net operating income to assets | 1.4009% | 1,275 |
| Return on assets (ROA) | 1.4430% | 1,228 |
| Pretax return on assets | 1.8486% | 815 |
| Return on Equity (ROE) | 12.7431% | 1,554 |
| Retained earnings to average equity (ytd only) | 6.0196% | 2,353 |
| Net charge-offs to loans | 0.0227% | 1,800 |
| Credit loss provision to net charge-offs | 902.8037% | 564 |
| Earnings coverage of net charge-offs (x) | 143.3364% | 686 |
| Efficiency ratio | 53.1812% | 4,013 |
| Assets per employee ($millions) | 7.9056% | 1,382 |
| Cash dividends to net income (ytd only)* | 52.7619% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2009% | 2,882 |
| Loan loss allowance to noncurrent loans | 55.4614% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 1.2890% | 365 |
| Noncurrent loans to loans | 2.1652% | 339 |
| Net loans and leases to total assets | 57.6971% | 2,402 |
| Net loans and leases to deposits | 65.3156% | 2,566 |
| Net loans and leases to core deposits | 72.2808% | 2,236 |
| Total domestic deposits to total assets | 88.3360% | 1,857 |
| Equity capital to assets | 10.9172% | 1,842 |
| Core capital (leverage) ratio | 10.1900% | 2,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1319% | 1,474 |
| Memoranda: | ||
| Average total assets | $800,437,000 | 1,160 |
| Average earning assets | $742,304,200 | 1,163 |
| Average equity | $90,637,400 | 1,093 |
| Average total loans | $471,026,400 | 1,215 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2956% | 960 |
| Cost of funding earning assets | 0.4617% | 1,278 |
| Net interest margin | 3.8339% | 1,054 |
| Noninterest income to average assets | 0.6884% | 1,867 |
| Noninterest expense to average assets | 2.2195% | 3,008 |
| Loan and lease loss provision to assets | 0.1174% | 1,016 |
| Net operating income to assets | 1.4753% | 1,328 |
| Return on assets (ROA) | 1.5327% | 1,234 |
| Pretax return on assets | 1.9746% | 834 |
| Return on Equity (ROE) | 13.4007% | 1,576 |
| Retained earnings to average equity (ytd only) | 7.9449% | 2,068 |
| Net charge-offs to loans | 0.0370% | 1,341 |
| Credit loss provision to net charge-offs | 537.5000% | 737 |
| Earnings coverage of net charge-offs (x) | 92.4297% | 910 |
| Efficiency ratio | 51.5281% | 4,069 |
| Assets per employee ($millions) | 7.9608% | 1,291 |
| Cash dividends to net income (ytd only)* | 40.7127% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1862% | 3,049 |
| Loan loss allowance to noncurrent loans | 51.5541% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 1.3524% | 404 |
| Noncurrent loans to loans | 2.3008% | 353 |
| Net loans and leases to total assets | 57.8009% | 2,520 |
| Net loans and leases to deposits | 65.7547% | 2,656 |
| Net loans and leases to core deposits | 72.9296% | 2,325 |
| Total domestic deposits to total assets | 87.9040% | 1,899 |
| Equity capital to assets | 11.4373% | 1,717 |
| Core capital (leverage) ratio | 10.6675% | 1,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5963% | 1,455 |
| Memoranda: | ||
| Average total assets | $781,164,500 | 1,192 |
| Average earning assets | $723,418,500 | 1,199 |
| Average equity | $89,346,500 | 1,120 |
| Average total loans | $460,667,500 | 1,258 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3586% | 911 |
| Cost of funding earning assets | 0.4761% | 1,353 |
| Net interest margin | 3.8824% | 1,005 |
| Noninterest income to average assets | 0.8084% | 1,514 |
| Noninterest expense to average assets | 2.1979% | 3,098 |
| Loan and lease loss provision to assets | 0.1184% | 1,069 |
| Net operating income to assets | 1.6959% | 877 |
| Return on assets (ROA) | 1.7191% | 892 |
| Pretax return on assets | 2.1158% | 666 |
| Return on Equity (ROE) | 15.0303% | 1,150 |
| Retained earnings to average equity (ytd only) | 9.4230% | 1,580 |
| Net charge-offs to loans | 0.0654% | 964 |
| Credit loss provision to net charge-offs | 306.1224% | 875 |
| Earnings coverage of net charge-offs (x) | 57.0340% | 992 |
| Efficiency ratio | 49.0890% | 4,314 |
| Assets per employee ($millions) | 7.5668% | 1,436 |
| Cash dividends to net income (ytd only)* | 37.3068% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1505% | 3,191 |
| Loan loss allowance to noncurrent loans | 47.2884% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 1.4276% | 413 |
| Noncurrent loans to loans | 2.4329% | 343 |
| Net loans and leases to total assets | 57.7873% | 2,699 |
| Net loans and leases to deposits | 65.8531% | 2,836 |
| Net loans and leases to core deposits | 72.7495% | 2,545 |
| Total domestic deposits to total assets | 87.7519% | 1,957 |
| Equity capital to assets | 11.4381% | 1,665 |
| Core capital (leverage) ratio | 10.7535% | 1,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0734% | 1,321 |
| Memoranda: | ||
| Average total assets | $760,270,667 | 1,220 |
| Average earning assets | $703,989,000 | 1,217 |
| Average equity | $86,957,667 | 1,142 |
| Average total loans | $449,688,000 | 1,290 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3810% | 934 |
| Cost of funding earning assets | 0.4902% | 1,451 |
| Net interest margin | 3.8909% | 1,003 |
| Noninterest income to average assets | 0.6440% | 2,052 |
| Noninterest expense to average assets | 2.1142% | 3,380 |
| Loan and lease loss provision to assets | 0.1243% | 1,107 |
| Net operating income to assets | 1.6126% | 1,106 |
| Return on assets (ROA) | 1.6608% | 1,054 |
| Pretax return on assets | 2.0695% | 846 |
| Return on Equity (ROE) | 14.5206% | 1,324 |
| Retained earnings to average equity (ytd only) | 8.6341% | 2,055 |
| Net charge-offs to loans | 0.1707% | 469 |
| Credit loss provision to net charge-offs | 122.2826% | 1,040 |
| Earnings coverage of net charge-offs (x) | 20.9946% | 1,237 |
| Efficiency ratio | 48.8753% | 4,271 |
| Assets per employee ($millions) | 7.8357% | 1,268 |
| Cash dividends to net income (ytd only)* | 40.5387% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2005% | 2,927 |
| Loan loss allowance to noncurrent loans | 802.4060% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 3,736 |
| Noncurrent loans to loans | 0.1496% | 3,579 |
| Net loans and leases to total assets | 60.2602% | 2,516 |
| Net loans and leases to deposits | 68.3734% | 2,659 |
| Net loans and leases to core deposits | 76.7556% | 2,286 |
| Total domestic deposits to total assets | 88.1340% | 1,773 |
| Equity capital to assets | 11.1562% | 1,752 |
| Core capital (leverage) ratio | 10.6175% | 1,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2945% | 1,477 |
| Memoranda: | ||
| Average total assets | $724,232,500 | 1,252 |
| Average earning assets | $670,801,000 | 1,259 |
| Average equity | $82,834,000 | 1,177 |
| Average total loans | $431,237,500 | 1,326 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7628% | 784 |
| Cost of funding earning assets | 0.6730% | 1,859 |
| Net interest margin | 4.0898% | 802 |
| Noninterest income to average assets | 0.4770% | 2,744 |
| Noninterest expense to average assets | 2.2184% | 3,628 |
| Loan and lease loss provision to assets | 0.4516% | 618 |
| Net operating income to assets | 1.2431% | 1,403 |
| Return on assets (ROA) | 1.3316% | 1,265 |
| Pretax return on assets | 1.6721% | 901 |
| Return on Equity (ROE) | 10.5014% | 1,811 |
| Retained earnings to average equity (ytd only) | 3.1192% | 3,280 |
| Net charge-offs to loans | 0.3485% | 501 |
| Credit loss provision to net charge-offs | 210.0506% | 2,112 |
| Earnings coverage of net charge-offs (x) | 9.3623% | 2,533 |
| Efficiency ratio | 51.4127% | 4,425 |
| Assets per employee ($millions) | 8.0870% | 1,010 |
| Cash dividends to net income (ytd only)* | 70.2977% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2667% | 2,585 |
| Loan loss allowance to noncurrent loans | 505.2481% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.1456% | 3,561 |
| Noncurrent loans to loans | 0.2507% | 3,297 |
| Net loans and leases to total assets | 57.3420% | 3,161 |
| Net loans and leases to deposits | 65.8641% | 3,283 |
| Net loans and leases to core deposits | 73.0641% | 2,994 |
| Total domestic deposits to total assets | 87.0610% | 1,915 |
| Equity capital to assets | 11.7223% | 1,716 |
| Core capital (leverage) ratio | 10.8290% | 1,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7807% | 1,318 |
| Memoranda: | ||
| Average total assets | $643,205,000 | 1,263 |
| Average earning assets | $590,473,800 | 1,280 |
| Average equity | $81,560,600 | 1,137 |
| Average total loans | $396,856,200 | 1,368 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8894% | 745 |
| Cost of funding earning assets | 0.7101% | 1,964 |
| Net interest margin | 4.1793% | 766 |
| Noninterest income to average assets | 0.4865% | 2,671 |
| Noninterest expense to average assets | 2.2796% | 3,473 |
| Loan and lease loss provision to assets | 0.4668% | 667 |
| Net operating income to assets | 1.2266% | 1,559 |
| Return on assets (ROA) | 1.2753% | 1,519 |
| Pretax return on assets | 1.6342% | 1,095 |
| Return on Equity (ROE) | 9.8425% | 2,072 |
| Retained earnings to average equity (ytd only) | 6.1044% | 2,059 |
| Net charge-offs to loans | 0.4985% | 297 |
| Credit loss provision to net charge-offs | 149.2486% | 2,332 |
| Earnings coverage of net charge-offs (x) | 6.5205% | 2,643 |
| Efficiency ratio | 51.7560% | 4,360 |
| Assets per employee ($millions) | 7.5138% | 1,204 |
| Cash dividends to net income (ytd only)* | 37.9796% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0917% | 3,250 |
| Loan loss allowance to noncurrent loans | 258.4244% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.2752% | 3,067 |
| Noncurrent loans to loans | 0.4224% | 2,795 |
| Net loans and leases to total assets | 59.5491% | 3,276 |
| Net loans and leases to deposits | 68.9800% | 3,397 |
| Net loans and leases to core deposits | 76.8469% | 3,107 |
| Total domestic deposits to total assets | 86.3280% | 1,926 |
| Equity capital to assets | 12.5249% | 1,411 |
| Core capital (leverage) ratio | 11.5200% | 1,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6521% | 1,108 |
| Memoranda: | ||
| Average total assets | $624,069,500 | 1,281 |
| Average earning assets | $572,295,750 | 1,294 |
| Average equity | $80,858,000 | 1,139 |
| Average total loans | $391,567,250 | 1,377 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8828% | 1,005 |
| Cost of funding earning assets | 0.7547% | 2,087 |
| Net interest margin | 4.1281% | 1,062 |
| Noninterest income to average assets | 0.4975% | 2,582 |
| Noninterest expense to average assets | 2.3457% | 3,411 |
| Loan and lease loss provision to assets | 0.4585% | 835 |
| Net operating income to assets | 1.1564% | 1,774 |
| Return on assets (ROA) | 1.2318% | 1,667 |
| Pretax return on assets | 1.5694% | 1,294 |
| Return on Equity (ROE) | 9.3889% | 2,206 |
| Retained earnings to average equity (ytd only) | 5.5763% | 2,245 |
| Net charge-offs to loans | 0.7743% | 201 |
| Credit loss provision to net charge-offs | 92.9530% | 2,451 |
| Earnings coverage of net charge-offs (x) | 3.9181% | 2,641 |
| Efficiency ratio | 53.7604% | 4,207 |
| Assets per employee ($millions) | 7.1066% | 1,385 |
| Cash dividends to net income (ytd only)* | 40.6074% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8813% | 4,074 |
| Loan loss allowance to noncurrent loans | 193.4599% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.3246% | 3,013 |
| Noncurrent loans to loans | 0.4556% | 2,784 |
| Net loans and leases to total assets | 63.7905% | 2,907 |
| Net loans and leases to deposits | 74.1876% | 3,062 |
| Net loans and leases to core deposits | 82.9407% | 2,702 |
| Total domestic deposits to total assets | 85.9854% | 2,013 |
| Equity capital to assets | 12.7859% | 1,241 |
| Core capital (leverage) ratio | 11.9461% | 1,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0626% | 1,236 |
| Memoranda: | ||
| Average total assets | $604,173,667 | 1,289 |
| Average earning assets | $553,327,667 | 1,304 |
| Average equity | $79,264,000 | 1,152 |
| Average total loans | $384,868,000 | 1,379 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9986% | 972 |
| Cost of funding earning assets | 0.7996% | 2,399 |
| Net interest margin | 4.1989% | 928 |
| Noninterest income to average assets | 0.4996% | 2,548 |
| Noninterest expense to average assets | 2.4642% | 3,382 |
| Loan and lease loss provision to assets | 0.4975% | 591 |
| Net operating income to assets | 1.0532% | 1,993 |
| Return on assets (ROA) | 1.1714% | 1,731 |
| Pretax return on assets | 1.5213% | 1,253 |
| Return on Equity (ROE) | 8.8043% | 2,190 |
| Retained earnings to average equity (ytd only) | 4.9050% | 2,316 |
| Net charge-offs to loans | 0.3055% | 480 |
| Credit loss provision to net charge-offs | 257.0922% | 1,268 |
| Earnings coverage of net charge-offs (x) | 9.6596% | 1,810 |
| Efficiency ratio | 55.7720% | 4,229 |
| Assets per employee ($millions) | 6.4579% | 1,367 |
| Cash dividends to net income (ytd only)* | 44.2882% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 2,979 |
| Loan loss allowance to noncurrent loans | 142.1443% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.5651% | 2,302 |
| Noncurrent loans to loans | 0.8031% | 2,003 |
| Net loans and leases to total assets | 62.1289% | 3,286 |
| Net loans and leases to deposits | 72.4009% | 3,405 |
| Net loans and leases to core deposits | 81.9748% | 3,022 |
| Total domestic deposits to total assets | 85.8124% | 2,082 |
| Equity capital to assets | 13.0746% | 1,391 |
| Core capital (leverage) ratio | 12.2249% | 1,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8563% | 1,000 |
| Memoranda: | ||
| Average total assets | $582,911,500 | 1,289 |
| Average earning assets | $532,233,500 | 1,309 |
| Average equity | $77,553,000 | 1,169 |
| Average total loans | $369,202,000 | 1,388 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1306% | 1,151 |
| Cost of funding earning assets | 0.7445% | 2,948 |
| Net interest margin | 4.3860% | 920 |
| Noninterest income to average assets | 0.5187% | 2,634 |
| Noninterest expense to average assets | 2.4075% | 3,670 |
| Loan and lease loss provision to assets | 0.2073% | 972 |
| Net operating income to assets | 1.5206% | 1,003 |
| Return on assets (ROA) | 1.5398% | 1,022 |
| Pretax return on assets | 1.9084% | 733 |
| Return on Equity (ROE) | 11.4005% | 1,732 |
| Retained earnings to average equity (ytd only) | 7.5011% | 1,169 |
| Net charge-offs to loans | 0.2305% | 884 |
| Credit loss provision to net charge-offs | 140.5868% | 1,842 |
| Earnings coverage of net charge-offs (x) | 14.1883% | 2,300 |
| Efficiency ratio | 52.4016% | 4,574 |
| Assets per employee ($millions) | 6.3534% | 1,382 |
| Cash dividends to net income (ytd only)* | 34.2034% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0223% | 3,369 |
| Loan loss allowance to noncurrent loans | 126.7383% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.5566% | 2,221 |
| Noncurrent loans to loans | 0.8066% | 1,897 |
| Net loans and leases to total assets | 63.1843% | 3,297 |
| Net loans and leases to deposits | 74.1406% | 3,341 |
| Net loans and leases to core deposits | 83.6093% | 2,986 |
| Total domestic deposits to total assets | 85.2223% | 2,410 |
| Equity capital to assets | 13.5380% | 1,260 |
| Core capital (leverage) ratio | 12.8652% | 1,298 |
| Tier 1 risk-based capital ratio | 18.1668% | 1,725 |
| Total risk-based capital ratio | 19.1272% | 1,746 |
| Memoranda: | ||
| Average total assets | $554,803,000 | 1,294 |
| Average earning assets | $503,530,400 | 1,323 |
| Average equity | $74,935,400 | 1,152 |
| Average total loans | $354,817,000 | 1,398 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1611% | 1,124 |
| Cost of funding earning assets | 0.7336% | 3,051 |
| Net interest margin | 4.4275% | 890 |
| Noninterest income to average assets | 0.5047% | 2,696 |
| Noninterest expense to average assets | 2.3962% | 3,696 |
| Loan and lease loss provision to assets | 0.1882% | 955 |
| Net operating income to assets | 1.5603% | 1,029 |
| Return on assets (ROA) | 1.5862% | 1,013 |
| Pretax return on assets | 1.9627% | 746 |
| Return on Equity (ROE) | 11.7512% | 1,705 |
| Retained earnings to average equity (ytd only) | 7.8539% | 1,466 |
| Net charge-offs to loans | 0.1363% | 1,178 |
| Credit loss provision to net charge-offs | 215.8774% | 1,238 |
| Earnings coverage of net charge-offs (x) | 24.3011% | 1,801 |
| Efficiency ratio | 51.9580% | 4,596 |
| Assets per employee ($millions) | 6.1439% | 1,499 |
| Cash dividends to net income (ytd only)* | 33.1649% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0675% | 3,187 |
| Loan loss allowance to noncurrent loans | 120.2682% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.6655% | 2,024 |
| Noncurrent loans to loans | 0.8876% | 1,805 |
| Net loans and leases to total assets | 63.9351% | 3,294 |
| Net loans and leases to deposits | 75.2639% | 3,368 |
| Net loans and leases to core deposits | 87.1257% | 2,810 |
| Total domestic deposits to total assets | 84.9479% | 2,442 |
| Equity capital to assets | 13.9412% | 1,173 |
| Core capital (leverage) ratio | 12.8233% | 1,427 |
| Tier 1 risk-based capital ratio | 18.3207% | 1,726 |
| Total risk-based capital ratio | 19.3295% | 1,751 |
| Memoranda: | ||
| Average total assets | $548,964,750 | 1,311 |
| Average earning assets | $497,243,500 | 1,342 |
| Average equity | $74,101,500 | 1,163 |
| Average total loans | $351,252,000 | 1,424 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1308% | 1,147 |
| Cost of funding earning assets | 0.7084% | 3,121 |
| Net interest margin | 4.4224% | 902 |
| Noninterest income to average assets | 0.4817% | 2,771 |
| Noninterest expense to average assets | 2.3923% | 3,753 |
| Loan and lease loss provision to assets | 0.2016% | 848 |
| Net operating income to assets | 1.5154% | 1,110 |
| Return on assets (ROA) | 1.5488% | 1,058 |
| Pretax return on assets | 1.9300% | 787 |
| Return on Equity (ROE) | 11.6038% | 1,740 |
| Retained earnings to average equity (ytd only) | 7.7313% | 1,508 |
| Net charge-offs to loans | 0.2277% | 740 |
| Credit loss provision to net charge-offs | 138.8889% | 1,576 |
| Earnings coverage of net charge-offs (x) | 14.3965% | 2,040 |
| Efficiency ratio | 52.2450% | 4,636 |
| Assets per employee ($millions) | 6.3553% | 1,306 |
| Cash dividends to net income (ytd only)* | 33.3728% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 3,562 |
| Loan loss allowance to noncurrent loans | 103.3640% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 0.6431% | 2,111 |
| Noncurrent loans to loans | 0.9772% | 1,676 |
| Net loans and leases to total assets | 63.7234% | 3,368 |
| Net loans and leases to deposits | 74.7590% | 3,449 |
| Net loans and leases to core deposits | 83.6417% | 3,140 |
| Total domestic deposits to total assets | 85.2385% | 2,369 |
| Equity capital to assets | 13.6563% | 1,261 |
| Core capital (leverage) ratio | 12.6063% | 1,484 |
| Tier 1 risk-based capital ratio | 18.0545% | 1,797 |
| Total risk-based capital ratio | 19.0032% | 1,819 |
| Memoranda: | ||
| Average total assets | $545,589,000 | 1,321 |
| Average earning assets | $493,530,000 | 1,352 |
| Average equity | $72,820,670 | 1,175 |
| Average total loans | $347,898,330 | 1,448 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1436% | 1,017 |
| Cost of funding earning assets | 0.6515% | 3,316 |
| Net interest margin | 4.4922% | 756 |
| Noninterest income to average assets | 0.4680% | 2,747 |
| Noninterest expense to average assets | 2.3885% | 3,794 |
| Loan and lease loss provision to assets | 0.1661% | 1,014 |
| Net operating income to assets | 1.5832% | 929 |
| Return on assets (ROA) | 1.5832% | 957 |
| Pretax return on assets | 1.9597% | 688 |
| Return on Equity (ROE) | 12.0038% | 1,528 |
| Retained earnings to average equity (ytd only) | 8.3439% | 1,534 |
| Net charge-offs to loans | 0.2059% | 679 |
| Credit loss provision to net charge-offs | 127.1186% | 1,370 |
| Earnings coverage of net charge-offs (x) | 16.2712% | 1,702 |
| Efficiency ratio | 51.7822% | 4,710 |
| Assets per employee ($millions) | 6.5313% | 1,225 |
| Cash dividends to net income (ytd only)* | 30.4895% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 3,730 |
| Loan loss allowance to noncurrent loans | 129.5581% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.5198% | 2,546 |
| Noncurrent loans to loans | 0.7694% | 2,107 |
| Net loans and leases to total assets | 63.1608% | 3,385 |
| Net loans and leases to deposits | 73.7834% | 3,470 |
| Net loans and leases to core deposits | 83.3737% | 3,072 |
| Total domestic deposits to total assets | 85.6029% | 2,445 |
| Equity capital to assets | 13.3058% | 1,292 |
| Core capital (leverage) ratio | 12.6630% | 1,425 |
| Tier 1 risk-based capital ratio | 17.8298% | 1,841 |
| Total risk-based capital ratio | 18.7578% | 1,890 |
| Memoranda: | ||
| Average total assets | $541,928,500 | 1,332 |
| Average earning assets | $488,136,500 | 1,369 |
| Average equity | $71,477,500 | 1,188 |
| Average total loans | $343,883,500 | 1,469 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8625% | 1,385 |
| Cost of funding earning assets | 0.5097% | 3,292 |
| Net interest margin | 4.3528% | 1,026 |
| Noninterest income to average assets | 0.4931% | 2,868 |
| Noninterest expense to average assets | 2.2759% | 4,174 |
| Loan and lease loss provision to assets | 0.2463% | 701 |
| Net operating income to assets | 1.5756% | 938 |
| Return on assets (ROA) | 1.5399% | 1,010 |
| Pretax return on assets | 1.8843% | 747 |
| Return on Equity (ROE) | 11.2056% | 1,999 |
| Retained earnings to average equity (ytd only) | -13.8496% | 5,355 |
| Net charge-offs to loans | 0.1324% | 1,426 |
| Credit loss provision to net charge-offs | 309.4118% | 1,010 |
| Earnings coverage of net charge-offs (x) | 27.3153% | 1,692 |
| Efficiency ratio | 50.7554% | 4,890 |
| Assets per employee ($millions) | 6.6077% | 1,169 |
| Cash dividends to net income (ytd only)* | 223.5952% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0188% | 3,569 |
| Loan loss allowance to noncurrent loans | 606.8783% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 4,054 |
| Noncurrent loans to loans | 0.1679% | 3,994 |
| Net loans and leases to total assets | 62.4628% | 3,521 |
| Net loans and leases to deposits | 72.8532% | 3,596 |
| Net loans and leases to core deposits | 82.4576% | 3,226 |
| Total domestic deposits to total assets | 85.7379% | 2,348 |
| Equity capital to assets | 13.0702% | 1,314 |
| Core capital (leverage) ratio | 12.6917% | 1,382 |
| Tier 1 risk-based capital ratio | 17.9459% | 1,772 |
| Total risk-based capital ratio | 18.8891% | 1,814 |
| Memoranda: | ||
| Average total assets | $533,942,600 | 1,322 |
| Average earning assets | $485,391,200 | 1,347 |
| Average equity | $73,374,200 | 1,110 |
| Average total loans | $320,931,000 | 1,510 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8100% | 1,402 |
| Cost of funding earning assets | 0.4698% | 3,394 |
| Net interest margin | 4.3403% | 1,034 |
| Noninterest income to average assets | 0.4787% | 2,990 |
| Noninterest expense to average assets | 2.1945% | 4,336 |
| Loan and lease loss provision to assets | 0.1911% | 927 |
| Net operating income to assets | 1.6516% | 837 |
| Return on assets (ROA) | 1.6316% | 898 |
| Pretax return on assets | 2.0251% | 586 |
| Return on Equity (ROE) | 11.7292% | 1,891 |
| Retained earnings to average equity (ytd only) | -20.1174% | 5,440 |
| Net charge-offs to loans | 0.1423% | 1,145 |
| Credit loss provision to net charge-offs | 226.3314% | 1,267 |
| Earnings coverage of net charge-offs (x) | 26.5352% | 1,740 |
| Efficiency ratio | 49.3466% | 4,979 |
| Assets per employee ($millions) | 6.5766% | 1,148 |
| Cash dividends to net income (ytd only)* | 271.5161% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9076% | 4,234 |
| Loan loss allowance to noncurrent loans | 841.2429% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.1140% | 4,401 |
| Noncurrent loans to loans | 0.1079% | 4,404 |
| Net loans and leases to total assets | 61.7951% | 3,676 |
| Net loans and leases to deposits | 74.4058% | 3,556 |
| Net loans and leases to core deposits | 84.6586% | 3,106 |
| Total domestic deposits to total assets | 83.0514% | 3,296 |
| Equity capital to assets | 12.8306% | 1,406 |
| Core capital (leverage) ratio | 12.4999% | 1,501 |
| Tier 1 risk-based capital ratio | 17.9193% | 1,814 |
| Total risk-based capital ratio | 18.7509% | 1,889 |
| Memoranda: | ||
| Average total assets | $533,622,250 | 1,328 |
| Average earning assets | $486,472,750 | 1,350 |
| Average equity | $74,229,000 | 1,101 |
| Average total loans | $316,724,500 | 1,532 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7121% | 1,473 |
| Cost of funding earning assets | 0.4375% | 3,441 |
| Net interest margin | 4.2746% | 1,095 |
| Noninterest income to average assets | 0.4816% | 2,966 |
| Noninterest expense to average assets | 2.1618% | 4,456 |
| Loan and lease loss provision to assets | 0.1735% | 1,056 |
| Net operating income to assets | 1.6258% | 861 |
| Return on assets (ROA) | 1.5967% | 932 |
| Pretax return on assets | 2.0134% | 587 |
| Return on Equity (ROE) | 11.1939% | 2,039 |
| Retained earnings to average equity (ytd only) | -33.2653% | 5,517 |
| Net charge-offs to loans | 0.1042% | 1,313 |
| Credit loss provision to net charge-offs | 285.2761% | 1,045 |
| Earnings coverage of net charge-offs (x) | 36.5706% | 1,363 |
| Efficiency ratio | 49.2940% | 5,062 |
| Assets per employee ($millions) | 6.3530% | 1,241 |
| Cash dividends to net income (ytd only)* | 397.1729% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8912% | 4,373 |
| Loan loss allowance to noncurrent loans | 427.0958% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.1895% | 4,034 |
| Noncurrent loans to loans | 0.2087% | 3,974 |
| Net loans and leases to total assets | 60.9017% | 3,718 |
| Net loans and leases to deposits | 70.9246% | 3,788 |
| Net loans and leases to core deposits | 80.3137% | 3,392 |
| Total domestic deposits to total assets | 85.8682% | 2,335 |
| Equity capital to assets | 12.8737% | 1,361 |
| Core capital (leverage) ratio | 11.9999% | 1,714 |
| Tier 1 risk-based capital ratio | 17.8351% | 1,847 |
| Total risk-based capital ratio | 18.6480% | 1,922 |
| Memoranda: | ||
| Average total assets | $536,119,330 | 1,327 |
| Average earning assets | $489,634,000 | 1,340 |
| Average equity | $76,470,000 | 1,070 |
| Average total loans | $312,932,330 | 1,546 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6268% | 1,491 |
| Cost of funding earning assets | 0.4173% | 3,466 |
| Net interest margin | 4.2095% | 1,155 |
| Noninterest income to average assets | 0.4679% | 3,007 |
| Noninterest expense to average assets | 2.1217% | 4,613 |
| Loan and lease loss provision to assets | 0.1766% | 985 |
| Net operating income to assets | 1.5442% | 968 |
| Return on assets (ROA) | 1.5442% | 977 |
| Pretax return on assets | 2.0283% | 543 |
| Return on Equity (ROE) | 10.3434% | 2,254 |
| Retained earnings to average equity (ytd only) | 4.0999% | 3,560 |
| Net charge-offs to loans | 0.1500% | 929 |
| Credit loss provision to net charge-offs | 206.8966% | 1,026 |
| Earnings coverage of net charge-offs (x) | 25.8362% | 1,332 |
| Efficiency ratio | 49.0393% | 5,136 |
| Assets per employee ($millions) | 6.6628% | 1,114 |
| Cash dividends to net income (ytd only)* | 60.3621% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8565% | 4,617 |
| Loan loss allowance to noncurrent loans | 471.7813% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.1591% | 4,290 |
| Noncurrent loans to loans | 0.1815% | 4,157 |
| Net loans and leases to total assets | 58.0940% | 3,929 |
| Net loans and leases to deposits | 69.6088% | 3,821 |
| Net loans and leases to core deposits | 79.0565% | 3,396 |
| Total domestic deposits to total assets | 83.4579% | 3,523 |
| Equity capital to assets | 15.1502% | 636 |
| Core capital (leverage) ratio | 14.2648% | 814 |
| Tier 1 risk-based capital ratio | 21.6752% | 1,105 |
| Total risk-based capital ratio | 22.4345% | 1,146 |
| Memoranda: | ||
| Average total assets | $543,706,000 | 1,319 |
| Average earning assets | $498,396,500 | 1,330 |
| Average equity | $81,172,500 | 1,022 |
| Average total loans | $309,339,500 | 1,563 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4532% | 1,867 |
| Cost of funding earning assets | 0.4230% | 3,025 |
| Net interest margin | 4.0302% | 1,655 |
| Noninterest income to average assets | 0.4393% | 3,379 |
| Noninterest expense to average assets | 2.0530% | 4,871 |
| Loan and lease loss provision to assets | 0.0970% | 2,268 |
| Net operating income to assets | 1.4750% | 857 |
| Return on assets (ROA) | 1.5657% | 709 |
| Pretax return on assets | 2.1491% | 350 |
| Return on Equity (ROE) | 10.4121% | 1,714 |
| Retained earnings to average equity (ytd only) | 3.7997% | 2,946 |
| Net charge-offs to loans | 0.0272% | 3,264 |
| Credit loss provision to net charge-offs | 679.0323% | 484 |
| Earnings coverage of net charge-offs (x) | 148.4839% | 483 |
| Efficiency ratio | 49.1746% | 5,262 |
| Assets per employee ($millions) | 7.0176% | 960 |
| Cash dividends to net income (ytd only)* | 63.5066% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8327% | 4,728 |
| Loan loss allowance to noncurrent loans | 227.3619% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.3173% | 3,606 |
| Noncurrent loans to loans | 0.3662% | 3,451 |
| Net loans and leases to total assets | 54.7988% | 4,287 |
| Net loans and leases to deposits | 65.3598% | 4,232 |
| Net loans and leases to core deposits | 73.6618% | 3,901 |
| Total domestic deposits to total assets | 83.8417% | 3,265 |
| Equity capital to assets | 14.7173% | 734 |
| Core capital (leverage) ratio | 14.5542% | 715 |
| Tier 1 risk-based capital ratio | 22.1931% | 996 |
| Total risk-based capital ratio | 22.9393% | 1,031 |
| Memoranda: | ||
| Average total assets | $433,856,000 | 1,594 |
| Average earning assets | $402,136,000 | 1,591 |
| Average equity | $65,241,600 | 1,222 |
| Average total loans | $227,858,600 | 1,947 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3567% | 2,089 |
| Cost of funding earning assets | 0.4123% | 3,068 |
| Net interest margin | 3.9443% | 1,876 |
| Noninterest income to average assets | 0.4174% | 3,574 |
| Noninterest expense to average assets | 1.8056% | 5,264 |
| Loan and lease loss provision to assets | 0.1093% | 1,948 |
| Net operating income to assets | 1.6379% | 651 |
| Return on assets (ROA) | 1.6379% | 673 |
| Pretax return on assets | 2.1698% | 386 |
| Return on Equity (ROE) | 10.8057% | 1,773 |
| Retained earnings to average equity (ytd only) | 4.1676% | 3,422 |
| Net charge-offs to loans | -0.0026% | 4,345 |
| Credit loss provision to net charge-offs | -8,275.0000% | 5,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2037% | 5,478 |
| Assets per employee ($millions) | 8.2871% | 567 |
| Cash dividends to net income (ytd only)* | 61.4315% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 3,168 |
| Loan loss allowance to noncurrent loans | 1,337.0370% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.5898% | 2,744 |
| Noncurrent loans to loans | 0.0865% | 4,724 |
| Net loans and leases to total assets | 53.1892% | 4,479 |
| Net loans and leases to deposits | 66.2807% | 4,231 |
| Net loans and leases to core deposits | 76.7276% | 3,750 |
| Total domestic deposits to total assets | 80.2484% | 4,268 |
| Equity capital to assets | 15.3629% | 661 |
| Core capital (leverage) ratio | 15.1366% | 637 |
| Tier 1 risk-based capital ratio | 23.8869% | 860 |
| Total risk-based capital ratio | 24.8708% | 870 |
| Memoranda: | ||
| Average total assets | $403,768,750 | 1,700 |
| Average earning assets | $375,415,000 | 1,701 |
| Average equity | $61,200,500 | 1,297 |
| Average total loans | $208,235,750 | 2,097 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3317% | 2,029 |
| Cost of funding earning assets | 0.3963% | 3,115 |
| Net interest margin | 3.9354% | 1,824 |
| Noninterest income to average assets | 0.4159% | 3,594 |
| Noninterest expense to average assets | 1.7107% | 5,403 |
| Loan and lease loss provision to assets | 0.1196% | 1,721 |
| Net operating income to assets | 1.7404% | 515 |
| Return on assets (ROA) | 1.7404% | 522 |
| Pretax return on assets | 2.2427% | 327 |
| Return on Equity (ROE) | 11.5350% | 1,452 |
| Retained earnings to average equity (ytd only) | 6.5651% | 1,807 |
| Net charge-offs to loans | -0.0254% | 4,877 |
| Credit loss provision to net charge-offs | -926.9231% | 4,800 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0007% | 5,575 |
| Assets per employee ($millions) | 8.4200% | 524 |
| Cash dividends to net income (ytd only)* | 43.0853% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1566% | 3,273 |
| Loan loss allowance to noncurrent loans | 1,628.4768% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.5701% | 2,860 |
| Noncurrent loans to loans | 0.0710% | 4,845 |
| Net loans and leases to total assets | 51.9983% | 4,568 |
| Net loans and leases to deposits | 62.9994% | 4,434 |
| Net loans and leases to core deposits | 71.9912% | 4,095 |
| Total domestic deposits to total assets | 82.5378% | 3,712 |
| Equity capital to assets | 15.5783% | 598 |
| Core capital (leverage) ratio | 15.3649% | 569 |
| Tier 1 risk-based capital ratio | 24.2623% | 828 |
| Total risk-based capital ratio | 25.2289% | 833 |
| Memoranda: | ||
| Average total assets | $403,002,000 | 1,704 |
| Average earning assets | $374,495,000 | 1,704 |
| Average equity | $60,806,000 | 1,306 |
| Average total loans | $204,810,330 | 2,129 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3175% | 1,908 |
| Cost of funding earning assets | 0.3926% | 3,074 |
| Net interest margin | 3.9249% | 1,693 |
| Noninterest income to average assets | 0.3896% | 3,742 |
| Noninterest expense to average assets | 1.6729% | 5,498 |
| Loan and lease loss provision to assets | 0.1501% | 1,237 |
| Net operating income to assets | 1.7892% | 458 |
| Return on assets (ROA) | 1.7892% | 471 |
| Pretax return on assets | 2.2036% | 355 |
| Return on Equity (ROE) | 12.0545% | 1,219 |
| Retained earnings to average equity (ytd only) | 6.9916% | 1,852 |
| Net charge-offs to loans | -0.0438% | 5,123 |
| Credit loss provision to net charge-offs | -686.3636% | 4,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5453% | 5,657 |
| Assets per employee ($millions) | 8.3300% | 537 |
| Cash dividends to net income (ytd only)* | 42.0000% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 3,309 |
| Loan loss allowance to noncurrent loans | 420.8185% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.8188% | 2,250 |
| Noncurrent loans to loans | 0.2779% | 4,118 |
| Net loans and leases to total assets | 49.9782% | 4,674 |
| Net loans and leases to deposits | 59.5026% | 4,598 |
| Net loans and leases to core deposits | 67.7764% | 4,306 |
| Total domestic deposits to total assets | 83.9934% | 3,484 |
| Equity capital to assets | 15.1700% | 625 |
| Core capital (leverage) ratio | 15.1887% | 572 |
| Tier 1 risk-based capital ratio | 24.5040% | 821 |
| Total risk-based capital ratio | 25.4575% | 828 |
| Memoranda: | ||
| Average total assets | $402,423,500 | 1,722 |
| Average earning assets | $372,901,000 | 1,722 |
| Average equity | $59,728,500 | 1,324 |
| Average total loans | $200,908,000 | 2,173 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1133% | 2,795 |
| Cost of funding earning assets | 0.4640% | 2,407 |
| Net interest margin | 3.6493% | 2,889 |
| Noninterest income to average assets | 0.3522% | 4,210 |
| Noninterest expense to average assets | 2.0792% | 5,035 |
| Loan and lease loss provision to assets | 0.0831% | 2,694 |
| Net operating income to assets | 1.2911% | 1,231 |
| Return on assets (ROA) | 1.5264% | 814 |
| Pretax return on assets | 1.8771% | 652 |
| Return on Equity (ROE) | 10.0455% | 1,941 |
| Retained earnings to average equity (ytd only) | 5.2764% | 2,147 |
| Net charge-offs to loans | 0.1595% | 1,683 |
| Credit loss provision to net charge-offs | 113.7931% | 2,310 |
| Earnings coverage of net charge-offs (x) | 22.8517% | 1,712 |
| Efficiency ratio | 55.4607% | 5,112 |
| Assets per employee ($millions) | 8.2654% | 540 |
| Cash dividends to net income (ytd only)* | 47.4744% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0981% | 3,726 |
| Loan loss allowance to noncurrent loans | 491.4798% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.8573% | 2,204 |
| Noncurrent loans to loans | 0.2234% | 4,349 |
| Net loans and leases to total assets | 48.7463% | 4,847 |
| Net loans and leases to deposits | 57.6028% | 4,822 |
| Net loans and leases to core deposits | 65.2636% | 4,562 |
| Total domestic deposits to total assets | 84.6249% | 3,202 |
| Equity capital to assets | 14.5186% | 726 |
| Core capital (leverage) ratio | 15.2605% | 570 |
| Tier 1 risk-based capital ratio | 24.1871% | 852 |
| Total risk-based capital ratio | 25.0994% | 865 |
| Memoranda: | ||
| Average total assets | $396,883,600 | 1,698 |
| Average earning assets | $369,415,000 | 1,689 |
| Average equity | $60,305,800 | 1,286 |
| Average total loans | $181,826,600 | 2,294 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1158% | 2,816 |
| Cost of funding earning assets | 0.4847% | 2,215 |
| Net interest margin | 3.6310% | 2,960 |
| Noninterest income to average assets | 0.3836% | 4,037 |
| Noninterest expense to average assets | 2.1422% | 4,908 |
| Loan and lease loss provision to assets | 0.0507% | 3,234 |
| Net operating income to assets | 1.3024% | 1,285 |
| Return on assets (ROA) | 1.6255% | 732 |
| Pretax return on assets | 1.9669% | 623 |
| Return on Equity (ROE) | 10.5773% | 1,842 |
| Retained earnings to average equity (ytd only) | 5.8643% | 2,261 |
| Net charge-offs to loans | 0.1932% | 1,216 |
| Credit loss provision to net charge-offs | 58.3658% | 2,925 |
| Earnings coverage of net charge-offs (x) | 18.7625% | 1,976 |
| Efficiency ratio | 56.8153% | 4,979 |
| Assets per employee ($millions) | 7.9924% | 593 |
| Cash dividends to net income (ytd only)* | 44.5575% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 3,816 |
| Loan loss allowance to noncurrent loans | 283.2410% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 1.0677% | 1,924 |
| Noncurrent loans to loans | 0.3894% | 3,867 |
| Net loans and leases to total assets | 47.8008% | 4,977 |
| Net loans and leases to deposits | 57.6907% | 4,896 |
| Net loans and leases to core deposits | 65.3697% | 4,647 |
| Total domestic deposits to total assets | 82.8569% | 3,643 |
| Equity capital to assets | 16.1992% | 524 |
| Core capital (leverage) ratio | 15.2270% | 590 |
| Tier 1 risk-based capital ratio | 25.2447% | 785 |
| Total risk-based capital ratio | 26.1425% | 806 |
| Memoranda: | ||
| Average total assets | $394,853,250 | 1,707 |
| Average earning assets | $368,297,500 | 1,693 |
| Average equity | $60,682,000 | 1,288 |
| Average total loans | $177,379,000 | 2,341 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0793% | 2,951 |
| Cost of funding earning assets | 0.5202% | 1,942 |
| Net interest margin | 3.5591% | 3,259 |
| Noninterest income to average assets | 0.3783% | 4,038 |
| Noninterest expense to average assets | 2.2946% | 4,627 |
| Loan and lease loss provision to assets | 0.0301% | 3,525 |
| Net operating income to assets | 1.1405% | 1,807 |
| Return on assets (ROA) | 1.6207% | 733 |
| Pretax return on assets | 1.9519% | 630 |
| Return on Equity (ROE) | 10.7320% | 1,752 |
| Retained earnings to average equity (ytd only) | 6.0338% | 2,099 |
| Net charge-offs to loans | 0.1740% | 1,298 |
| Credit loss provision to net charge-offs | 39.4737% | 2,774 |
| Earnings coverage of net charge-offs (x) | 18.4013% | 1,824 |
| Efficiency ratio | 62.0488% | 4,343 |
| Assets per employee ($millions) | 8.4737% | 481 |
| Cash dividends to net income (ytd only)* | 43.7771% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1279% | 3,796 |
| Loan loss allowance to noncurrent loans | 219.6162% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 1.0167% | 2,110 |
| Noncurrent loans to loans | 0.5136% | 3,545 |
| Net loans and leases to total assets | 46.3264% | 5,110 |
| Net loans and leases to deposits | 55.6574% | 5,040 |
| Net loans and leases to core deposits | 63.9092% | 4,755 |
| Total domestic deposits to total assets | 83.2349% | 3,562 |
| Equity capital to assets | 15.8811% | 568 |
| Core capital (leverage) ratio | 15.0261% | 609 |
| Tier 1 risk-based capital ratio | 25.4301% | 775 |
| Total risk-based capital ratio | 26.3542% | 789 |
| Memoranda: | ||
| Average total assets | $398,592,330 | 1,696 |
| Average earning assets | $371,783,000 | 1,677 |
| Average equity | $60,194,000 | 1,294 |
| Average total loans | $174,696,670 | 2,364 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9683% | 3,336 |
| Cost of funding earning assets | 0.6335% | 1,133 |
| Net interest margin | 3.3349% | 4,094 |
| Noninterest income to average assets | 0.3792% | 3,995 |
| Noninterest expense to average assets | 2.8090% | 3,036 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5529% | 4,407 |
| Return on assets (ROA) | 1.5028% | 887 |
| Pretax return on assets | 1.8184% | 823 |
| Return on Equity (ROE) | 10.2057% | 1,898 |
| Retained earnings to average equity (ytd only) | 5.6084% | 2,574 |
| Net charge-offs to loans | -0.0164% | 4,770 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6498% | 1,531 |
| Assets per employee ($millions) | 8.6238% | 451 |
| Cash dividends to net income (ytd only)* | 45.0462% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 3,139 |
| Loan loss allowance to noncurrent loans | 180.5184% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.9880% | 2,235 |
| Noncurrent loans to loans | 0.6960% | 3,107 |
| Net loans and leases to total assets | 43.7219% | 5,260 |
| Net loans and leases to deposits | 52.2163% | 5,216 |
| Net loans and leases to core deposits | 59.8221% | 4,951 |
| Total domestic deposits to total assets | 83.7323% | 3,628 |
| Equity capital to assets | 15.3875% | 622 |
| Core capital (leverage) ratio | 14.2050% | 762 |
| Tier 1 risk-based capital ratio | 25.9120% | 742 |
| Total risk-based capital ratio | 26.9146% | 746 |
| Memoranda: | ||
| Average total assets | $402,993,000 | 1,672 |
| Average earning assets | $375,069,000 | 1,660 |
| Average equity | $59,339,500 | 1,306 |
| Average total loans | $170,727,000 | 2,401 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0534% | 3,098 |
| Cost of funding earning assets | 0.7016% | 818 |
| Net interest margin | 3.3518% | 4,105 |
| Noninterest income to average assets | 0.4049% | 3,998 |
| Noninterest expense to average assets | 1.7906% | 5,751 |
| Loan and lease loss provision to assets | 0.0548% | 3,219 |
| Net operating income to assets | 1.3561% | 1,131 |
| Return on assets (ROA) | 1.3835% | 1,117 |
| Pretax return on assets | 1.6992% | 993 |
| Return on Equity (ROE) | 9.8177% | 2,078 |
| Retained earnings to average equity (ytd only) | 5.0613% | 2,371 |
| Net charge-offs to loans | 0.1004% | 2,410 |
| Credit loss provision to net charge-offs | 135.9756% | 1,926 |
| Earnings coverage of net charge-offs (x) | 42.7195% | 1,114 |
| Efficiency ratio | 51.0036% | 5,706 |
| Assets per employee ($millions) | 9.4981% | 320 |
| Cash dividends to net income (ytd only)* | 48.4472% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2687% | 3,072 |
| Loan loss allowance to noncurrent loans | 212.4383% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.8873% | 2,454 |
| Noncurrent loans to loans | 0.5972% | 3,383 |
| Net loans and leases to total assets | 40.0730% | 5,507 |
| Net loans and leases to deposits | 51.4693% | 5,311 |
| Net loans and leases to core deposits | 58.0339% | 5,100 |
| Total domestic deposits to total assets | 77.8580% | 5,196 |
| Equity capital to assets | 14.1093% | 896 |
| Core capital (leverage) ratio | 14.0348% | 805 |
| Tier 1 risk-based capital ratio | 24.9700% | 816 |
| Total risk-based capital ratio | 25.9472% | 826 |
| Memoranda: | ||
| Average total assets | $407,298,800 | 1,623 |
| Average earning assets | $377,407,200 | 1,615 |
| Average equity | $57,396,600 | 1,305 |
| Average total loans | $163,413,800 | 2,420 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0991% | 2,938 |
| Cost of funding earning assets | 0.7167% | 773 |
| Net interest margin | 3.3824% | 4,027 |
| Noninterest income to average assets | 0.4007% | 4,082 |
| Noninterest expense to average assets | 1.7763% | 5,809 |
| Loan and lease loss provision to assets | 0.0735% | 2,699 |
| Net operating income to assets | 1.4132% | 1,079 |
| Return on assets (ROA) | 1.4514% | 1,048 |
| Pretax return on assets | 1.7312% | 1,028 |
| Return on Equity (ROE) | 10.3030% | 1,974 |
| Retained earnings to average equity (ytd only) | 5.5129% | 2,566 |
| Net charge-offs to loans | 0.1326% | 1,810 |
| Credit loss provision to net charge-offs | 138.5093% | 1,783 |
| Earnings coverage of net charge-offs (x) | 33.1617% | 1,402 |
| Efficiency ratio | 50.2423% | 5,763 |
| Assets per employee ($millions) | 9.2433% | 344 |
| Cash dividends to net income (ytd only)* | 46.4926% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2551% | 3,338 |
| Loan loss allowance to noncurrent loans | 195.1993% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.9304% | 2,535 |
| Noncurrent loans to loans | 0.6430% | 3,392 |
| Net loans and leases to total assets | 41.6887% | 5,504 |
| Net loans and leases to deposits | 53.8825% | 5,257 |
| Net loans and leases to core deposits | 61.0668% | 4,997 |
| Total domestic deposits to total assets | 77.3696% | 5,280 |
| Equity capital to assets | 14.3704% | 893 |
| Core capital (leverage) ratio | 13.8676% | 896 |
| Tier 1 risk-based capital ratio | 24.6093% | 889 |
| Total risk-based capital ratio | 25.5832% | 900 |
| Memoranda: | ||
| Average total assets | $404,644,250 | 1,642 |
| Average earning assets | $375,029,250 | 1,633 |
| Average equity | $57,004,500 | 1,322 |
| Average total loans | $161,861,250 | 2,456 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0836% | 2,958 |
| Cost of funding earning assets | 0.7189% | 767 |
| Net interest margin | 3.3647% | 4,039 |
| Noninterest income to average assets | 0.3698% | 4,297 |
| Noninterest expense to average assets | 1.8017% | 5,847 |
| Loan and lease loss provision to assets | 0.0802% | 2,506 |
| Net operating income to assets | 1.3520% | 1,188 |
| Return on assets (ROA) | 1.4100% | 1,108 |
| Pretax return on assets | 1.6660% | 1,152 |
| Return on Equity (ROE) | 10.0771% | 2,035 |
| Retained earnings to average equity (ytd only) | 5.2473% | 2,706 |
| Net charge-offs to loans | 0.1501% | 1,590 |
| Credit loss provision to net charge-offs | 136.1345% | 1,643 |
| Earnings coverage of net charge-offs (x) | 28.4790% | 1,417 |
| Efficiency ratio | 51.7786% | 5,732 |
| Assets per employee ($millions) | 9.0985% | 360 |
| Cash dividends to net income (ytd only)* | 47.9284% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3010% | 3,236 |
| Loan loss allowance to noncurrent loans | 240.5405% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.8543% | 2,851 |
| Noncurrent loans to loans | 0.5409% | 3,833 |
| Net loans and leases to total assets | 40.4778% | 5,601 |
| Net loans and leases to deposits | 52.2200% | 5,365 |
| Net loans and leases to core deposits | 60.3795% | 5,046 |
| Total domestic deposits to total assets | 77.5140% | 5,372 |
| Equity capital to assets | 14.1075% | 952 |
| Core capital (leverage) ratio | 13.6421% | 944 |
| Tier 1 risk-based capital ratio | 24.4724% | 909 |
| Total risk-based capital ratio | 25.4477% | 925 |
| Memoranda: | ||
| Average total assets | $403,957,330 | 1,655 |
| Average earning assets | $373,348,670 | 1,647 |
| Average equity | $56,524,330 | 1,341 |
| Average total loans | $158,580,000 | 2,496 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9886% | 3,268 |
| Cost of funding earning assets | 0.7213% | 767 |
| Net interest margin | 3.2673% | 4,356 |
| Noninterest income to average assets | 0.3914% | 4,075 |
| Noninterest expense to average assets | 1.8326% | 5,849 |
| Loan and lease loss provision to assets | 0.0493% | 2,943 |
| Net operating income to assets | 1.3032% | 1,264 |
| Return on assets (ROA) | 1.3032% | 1,350 |
| Pretax return on assets | 1.5191% | 1,500 |
| Return on Equity (ROE) | 9.3513% | 2,284 |
| Retained earnings to average equity (ytd only) | 4.5201% | 3,316 |
| Net charge-offs to loans | -0.1669% | 6,007 |
| Credit loss provision to net charge-offs | -76.9231% | 4,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8841% | 5,689 |
| Assets per employee ($millions) | 9.1523% | 345 |
| Cash dividends to net income (ytd only)* | 51.6641% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4034% | 2,900 |
| Loan loss allowance to noncurrent loans | 190.3448% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.9531% | 2,719 |
| Noncurrent loans to loans | 0.7373% | 3,420 |
| Net loans and leases to total assets | 38.5209% | 5,691 |
| Net loans and leases to deposits | 49.7277% | 5,474 |
| Net loans and leases to core deposits | 57.3217% | 5,163 |
| Total domestic deposits to total assets | 77.4638% | 5,540 |
| Equity capital to assets | 14.2519% | 906 |
| Core capital (leverage) ratio | 13.4055% | 1,007 |
| Tier 1 risk-based capital ratio | 24.5042% | 941 |
| Total risk-based capital ratio | 25.5285% | 949 |
| Memoranda: | ||
| Average total assets | $405,769,500 | 1,652 |
| Average earning assets | $373,769,500 | 1,656 |
| Average equity | $56,548,000 | 1,346 |
| Average total loans | $155,779,000 | 2,545 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9379% | 3,978 |
| Cost of funding earning assets | 0.7712% | 758 |
| Net interest margin | 3.1667% | 5,027 |
| Noninterest income to average assets | 0.3965% | 4,206 |
| Noninterest expense to average assets | 1.8087% | 6,057 |
| Loan and lease loss provision to assets | 0.1735% | 1,494 |
| Net operating income to assets | 1.1241% | 1,885 |
| Return on assets (ROA) | 1.1436% | 1,866 |
| Pretax return on assets | 1.3540% | 2,061 |
| Return on Equity (ROE) | 8.5111% | 2,829 |
| Retained earnings to average equity (ytd only) | 4.5197% | 2,952 |
| Net charge-offs to loans | 1.1121% | 254 |
| Credit loss provision to net charge-offs | 42.1149% | 3,632 |
| Earnings coverage of net charge-offs (x) | 3.6522% | 3,834 |
| Efficiency ratio | 54.5938% | 5,799 |
| Assets per employee ($millions) | 9.0852% | 325 |
| Cash dividends to net income (ytd only)* | 46.8956% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3571% | 3,145 |
| Loan loss allowance to noncurrent loans | 194.6977% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.9715% | 2,813 |
| Noncurrent loans to loans | 0.6970% | 3,599 |
| Net loans and leases to total assets | 37.2110% | 5,894 |
| Net loans and leases to deposits | 47.5896% | 5,706 |
| Net loans and leases to core deposits | 54.6620% | 5,464 |
| Total domestic deposits to total assets | 78.1915% | 5,398 |
| Equity capital to assets | 13.6248% | 1,106 |
| Core capital (leverage) ratio | 13.7561% | 877 |
| Tier 1 risk-based capital ratio | 24.6185% | 877 |
| Total risk-based capital ratio | 25.6071% | 889 |
| Memoranda: | ||
| Average total assets | $397,182,200 | 1,657 |
| Average earning assets | $365,804,600 | 1,646 |
| Average equity | $53,365,800 | 1,370 |
| Average total loans | $147,104,400 | 2,613 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9432% | 4,000 |
| Cost of funding earning assets | 0.7750% | 783 |
| Net interest margin | 3.1682% | 5,064 |
| Noninterest income to average assets | 0.4095% | 4,167 |
| Noninterest expense to average assets | 1.7916% | 6,100 |
| Loan and lease loss provision to assets | 0.1823% | 1,345 |
| Net operating income to assets | 1.1622% | 1,817 |
| Return on assets (ROA) | 1.1887% | 1,790 |
| Pretax return on assets | 1.3919% | 2,043 |
| Return on Equity (ROE) | 8.8792% | 2,747 |
| Retained earnings to average equity (ytd only) | 5.2214% | 2,939 |
| Net charge-offs to loans | 1.2120% | 225 |
| Credit loss provision to net charge-offs | 40.8024% | 3,273 |
| Earnings coverage of net charge-offs (x) | 3.4542% | 3,657 |
| Efficiency ratio | 53.7268% | 5,847 |
| Assets per employee ($millions) | 8.8395% | 361 |
| Cash dividends to net income (ytd only)* | 41.1949% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5430% | 2,531 |
| Loan loss allowance to noncurrent loans | 204.7144% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 1.1326% | 2,687 |
| Noncurrent loans to loans | 0.7538% | 3,717 |
| Net loans and leases to total assets | 37.0434% | 5,991 |
| Net loans and leases to deposits | 47.9467% | 5,764 |
| Net loans and leases to core deposits | 54.4439% | 5,537 |
| Total domestic deposits to total assets | 77.2596% | 5,633 |
| Equity capital to assets | 14.1580% | 951 |
| Core capital (leverage) ratio | 13.6442% | 949 |
| Tier 1 risk-based capital ratio | 25.3537% | 847 |
| Total risk-based capital ratio | 26.4568% | 852 |
| Memoranda: | ||
| Average total assets | $394,268,750 | 1,680 |
| Average earning assets | $364,027,000 | 1,662 |
| Average equity | $52,781,500 | 1,393 |
| Average total loans | $145,324,250 | 2,646 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8907% | 4,171 |
| Cost of funding earning assets | 0.7734% | 816 |
| Net interest margin | 3.1173% | 5,198 |
| Noninterest income to average assets | 0.3969% | 4,265 |
| Noninterest expense to average assets | 1.7488% | 6,211 |
| Loan and lease loss provision to assets | 0.1459% | 1,692 |
| Net operating income to assets | 1.1933% | 1,613 |
| Return on assets (ROA) | 1.1933% | 1,681 |
| Pretax return on assets | 1.3842% | 1,954 |
| Return on Equity (ROE) | 9.0850% | 2,551 |
| Retained earnings to average equity (ytd only) | 5.5786% | 2,597 |
| Net charge-offs to loans | 0.4621% | 876 |
| Credit loss provision to net charge-offs | 86.2687% | 2,239 |
| Earnings coverage of net charge-offs (x) | 9.0448% | 2,406 |
| Efficiency ratio | 53.3344% | 5,970 |
| Assets per employee ($millions) | 8.6578% | 376 |
| Cash dividends to net income (ytd only)* | 38.5950% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0542% | 1,267 |
| Loan loss allowance to noncurrent loans | 75.7975% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 1.3773% | 2,370 |
| Noncurrent loans to loans | 2.7102% | 1,121 |
| Net loans and leases to total assets | 36.6411% | 6,025 |
| Net loans and leases to deposits | 47.5370% | 5,797 |
| Net loans and leases to core deposits | 54.8326% | 5,501 |
| Total domestic deposits to total assets | 77.0791% | 5,791 |
| Equity capital to assets | 13.9291% | 997 |
| Core capital (leverage) ratio | 13.4600% | 988 |
| Tier 1 risk-based capital ratio | 25.0895% | 864 |
| Total risk-based capital ratio | 26.3421% | 849 |
| Memoranda: | ||
| Average total assets | $396,045,670 | 1,671 |
| Average earning assets | $366,154,670 | 1,653 |
| Average equity | $52,020,000 | 1,397 |
| Average total loans | $144,987,670 | 2,657 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8616% | 4,237 |
| Cost of funding earning assets | 0.7764% | 854 |
| Net interest margin | 3.0852% | 5,298 |
| Noninterest income to average assets | 0.3777% | 4,363 |
| Noninterest expense to average assets | 1.7682% | 6,257 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2743% | 1,285 |
| Return on assets (ROA) | 1.2743% | 1,335 |
| Pretax return on assets | 1.4637% | 1,535 |
| Return on Equity (ROE) | 9.9969% | 2,042 |
| Retained earnings to average equity (ytd only) | 6.6646% | 2,206 |
| Net charge-offs to loans | 0.7468% | 468 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.4111% | 2,374 |
| Efficiency ratio | 54.7117% | 5,950 |
| Assets per employee ($millions) | 8.7456% | 364 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9355% | 1,656 |
| Loan loss allowance to noncurrent loans | 57.2906% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 1.5599% | 2,261 |
| Noncurrent loans to loans | 3.3783% | 889 |
| Net loans and leases to total assets | 35.6621% | 6,084 |
| Net loans and leases to deposits | 45.5315% | 5,884 |
| Net loans and leases to core deposits | 52.2538% | 5,602 |
| Total domestic deposits to total assets | 78.3240% | 5,781 |
| Equity capital to assets | 13.2227% | 1,202 |
| Core capital (leverage) ratio | 13.1690% | 1,102 |
| Tier 1 risk-based capital ratio | 24.9050% | 897 |
| Total risk-based capital ratio | 26.1569% | 886 |
| Memoranda: | ||
| Average total assets | $399,268,000 | 1,669 |
| Average earning assets | $369,376,000 | 1,653 |
| Average equity | $50,896,000 | 1,423 |
| Average total loans | $144,607,500 | 2,668 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8084% | 4,787 |
| Cost of funding earning assets | 0.8914% | 773 |
| Net interest margin | 2.9170% | 5,755 |
| Noninterest income to average assets | 0.2779% | 5,365 |
| Noninterest expense to average assets | 1.7165% | 6,422 |
| Loan and lease loss provision to assets | 0.7503% | 293 |
| Net operating income to assets | 0.4563% | 4,926 |
| Return on assets (ROA) | 0.6786% | 3,989 |
| Pretax return on assets | 0.7769% | 4,238 |
| Return on Equity (ROE) | 5.3232% | 4,485 |
| Retained earnings to average equity (ytd only) | 3.2525% | 3,913 |
| Net charge-offs to loans | 2.0493% | 181 |
| Credit loss provision to net charge-offs | 100.2996% | 2,411 |
| Earnings coverage of net charge-offs (x) | 1.7001% | 4,485 |
| Efficiency ratio | 57.4417% | 5,798 |
| Assets per employee ($millions) | 8.9997% | 331 |
| Cash dividends to net income (ytd only)* | 38.8991% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0808% | 1,369 |
| Loan loss allowance to noncurrent loans | 70.6977% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 1.6440% | 2,248 |
| Noncurrent loans to loans | 2.9433% | 1,182 |
| Net loans and leases to total assets | 35.3239% | 6,232 |
| Net loans and leases to deposits | 44.4125% | 6,101 |
| Net loans and leases to core deposits | 50.9188% | 5,877 |
| Total domestic deposits to total assets | 79.5361% | 5,540 |
| Equity capital to assets | 12.2854% | 1,631 |
| Core capital (leverage) ratio | 13.1052% | 1,106 |
| Tier 1 risk-based capital ratio | 24.1783% | 935 |
| Total risk-based capital ratio | 25.4318% | 924 |
| Memoranda: | ||
| Average total assets | $401,573,600 | 1,640 |
| Average earning assets | $373,125,000 | 1,620 |
| Average equity | $51,190,800 | 1,390 |
| Average total loans | $146,586,600 | 2,609 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8159% | 4,793 |
| Cost of funding earning assets | 0.9216% | 734 |
| Net interest margin | 2.8942% | 5,831 |
| Noninterest income to average assets | 0.2888% | 5,383 |
| Noninterest expense to average assets | 1.6660% | 6,500 |
| Loan and lease loss provision to assets | 0.9067% | 194 |
| Net operating income to assets | 0.3467% | 5,446 |
| Return on assets (ROA) | 0.6368% | 4,305 |
| Pretax return on assets | 0.7533% | 4,477 |
| Return on Equity (ROE) | 4.9504% | 4,750 |
| Retained earnings to average equity (ytd only) | 3.3055% | 4,324 |
| Net charge-offs to loans | 1.5395% | 292 |
| Credit loss provision to net charge-offs | 160.8619% | 1,467 |
| Earnings coverage of net charge-offs (x) | 2.3394% | 4,059 |
| Efficiency ratio | 55.8194% | 5,925 |
| Assets per employee ($millions) | 8.1849% | 431 |
| Cash dividends to net income (ytd only)* | 33.2288% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8108% | 667 |
| Loan loss allowance to noncurrent loans | 37.5035% | 5,721 |
| Noncurrent assets plus other real estate owned to assets | 3.6655% | 902 |
| Noncurrent loans to loans | 7.4947% | 254 |
| Net loans and leases to total assets | 36.5107% | 6,257 |
| Net loans and leases to deposits | 46.5489% | 6,061 |
| Net loans and leases to core deposits | 54.4793% | 5,728 |
| Total domestic deposits to total assets | 78.4351% | 5,838 |
| Equity capital to assets | 13.0924% | 1,290 |
| Core capital (leverage) ratio | 13.0146% | 1,198 |
| Tier 1 risk-based capital ratio | 24.4019% | 943 |
| Total risk-based capital ratio | 25.6617% | 923 |
| Memoranda: | ||
| Average total assets | $400,720,500 | 1,657 |
| Average earning assets | $373,240,250 | 1,627 |
| Average equity | $51,550,000 | 1,387 |
| Average total loans | $146,709,000 | 2,623 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7606% | 4,957 |
| Cost of funding earning assets | 0.9369% | 755 |
| Net interest margin | 2.8238% | 5,957 |
| Noninterest income to average assets | 0.2369% | 5,749 |
| Noninterest expense to average assets | 1.6436% | 6,552 |
| Loan and lease loss provision to assets | 1.2313% | 132 |
| Net operating income to assets | -0.0066% | 6,306 |
| Return on assets (ROA) | 0.3724% | 5,492 |
| Pretax return on assets | 0.4980% | 5,387 |
| Return on Equity (ROE) | 2.9108% | 5,657 |
| Retained earnings to average equity (ytd only) | 1.2783% | 5,385 |
| Net charge-offs to loans | 2.0157% | 225 |
| Credit loss provision to net charge-offs | 168.2369% | 1,398 |
| Earnings coverage of net charge-offs (x) | 1.6723% | 3,973 |
| Efficiency ratio | 57.3171% | 5,823 |
| Assets per employee ($millions) | 9.1480% | 285 |
| Cash dividends to net income (ytd only)* | 56.0847% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7730% | 732 |
| Loan loss allowance to noncurrent loans | 30.1596% | 6,010 |
| Noncurrent assets plus other real estate owned to assets | 4.3575% | 763 |
| Noncurrent loans to loans | 9.1945% | 194 |
| Net loans and leases to total assets | 36.0544% | 6,298 |
| Net loans and leases to deposits | 45.4586% | 6,141 |
| Net loans and leases to core deposits | 53.5221% | 5,792 |
| Total domestic deposits to total assets | 79.3125% | 5,753 |
| Equity capital to assets | 12.4267% | 1,622 |
| Core capital (leverage) ratio | 12.3748% | 1,422 |
| Tier 1 risk-based capital ratio | 23.5664% | 1,053 |
| Total risk-based capital ratio | 24.8247% | 1,033 |
| Memoranda: | ||
| Average total assets | $406,064,000 | 1,635 |
| Average earning assets | $378,288,670 | 1,606 |
| Average equity | $51,945,000 | 1,384 |
| Average total loans | $147,440,330 | 2,612 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7537% | 4,980 |
| Cost of funding earning assets | 0.9568% | 762 |
| Net interest margin | 2.7969% | 6,040 |
| Noninterest income to average assets | 0.2153% | 5,937 |
| Noninterest expense to average assets | 1.6236% | 6,651 |
| Loan and lease loss provision to assets | 2.4247% | 44 |
| Net operating income to assets | -1.3443% | 6,870 |
| Return on assets (ROA) | -0.3492% | 6,636 |
| Pretax return on assets | -0.2182% | 6,556 |
| Return on Equity (ROE) | -2.6928% | 6,594 |
| Retained earnings to average equity (ytd only) | -4.2785% | 6,307 |
| Net charge-offs to loans | 4.0263% | 65 |
| Credit loss provision to net charge-offs | 167.5603% | 1,253 |
| Earnings coverage of net charge-offs (x) | 0.8371% | 3,549 |
| Efficiency ratio | 57.2699% | 5,927 |
| Assets per employee ($millions) | 9.2737% | 289 |
| Cash dividends to net income (ytd only)* | -58.8889% | 6,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7763% | 841 |
| Loan loss allowance to noncurrent loans | 49.4854% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 2.8578% | 1,580 |
| Noncurrent loans to loans | 5.6104% | 633 |
| Net loans and leases to total assets | 34.6634% | 6,382 |
| Net loans and leases to deposits | 43.9744% | 6,209 |
| Net loans and leases to core deposits | 51.6612% | 5,848 |
| Total domestic deposits to total assets | 78.8264% | 5,990 |
| Equity capital to assets | 12.9166% | 1,468 |
| Core capital (leverage) ratio | 11.8864% | 1,629 |
| Tier 1 risk-based capital ratio | 24.3854% | 968 |
| Total risk-based capital ratio | 25.6447% | 952 |
| Memoranda: | ||
| Average total assets | $412,414,000 | 1,626 |
| Average earning assets | $386,286,500 | 1,582 |
| Average equity | $53,476,500 | 1,357 |
| Average total loans | $148,225,500 | 2,610 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0652% | 5,080 |
| Cost of funding earning assets | 1.1301% | 804 |
| Net interest margin | 2.9352% | 6,167 |
| Noninterest income to average assets | 0.4519% | 4,235 |
| Noninterest expense to average assets | 1.6322% | 6,777 |
| Loan and lease loss provision to assets | 1.0018% | 420 |
| Net operating income to assets | 0.4558% | 4,858 |
| Return on assets (ROA) | 0.6926% | 4,035 |
| Pretax return on assets | 0.8389% | 4,152 |
| Return on Equity (ROE) | 5.4484% | 4,453 |
| Retained earnings to average equity (ytd only) | 4.2463% | 3,238 |
| Net charge-offs to loans | 2.4456% | 253 |
| Credit loss provision to net charge-offs | 104.0883% | 2,875 |
| Earnings coverage of net charge-offs (x) | 1.6160% | 4,638 |
| Efficiency ratio | 51.2042% | 6,507 |
| Assets per employee ($millions) | 9.6927% | 267 |
| Cash dividends to net income (ytd only)* | 22.0634% | 3,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0077% | 1,998 |
| Loan loss allowance to noncurrent loans | 25.9882% | 6,210 |
| Noncurrent assets plus other real estate owned to assets | 3.4063% | 1,344 |
| Noncurrent loans to loans | 7.7253% | 386 |
| Net loans and leases to total assets | 35.4953% | 6,467 |
| Net loans and leases to deposits | 45.0653% | 6,301 |
| Net loans and leases to core deposits | 53.9894% | 5,873 |
| Total domestic deposits to total assets | 78.7642% | 5,942 |
| Equity capital to assets | 13.0158% | 1,447 |
| Core capital (leverage) ratio | 12.2313% | 1,438 |
| Tier 1 risk-based capital ratio | 18.2753% | 2,177 |
| Total risk-based capital ratio | 19.3929% | 2,176 |
| Memoranda: | ||
| Average total assets | $414,236,200 | 1,580 |
| Average earning assets | $386,077,400 | 1,558 |
| Average equity | $52,657,400 | 1,355 |
| Average total loans | $163,026,200 | 2,384 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1738% | 4,907 |
| Cost of funding earning assets | 1.1594% | 835 |
| Net interest margin | 3.0144% | 6,142 |
| Noninterest income to average assets | 0.4394% | 4,373 |
| Noninterest expense to average assets | 1.6099% | 6,869 |
| Loan and lease loss provision to assets | 1.1283% | 336 |
| Net operating income to assets | 0.3045% | 5,601 |
| Return on assets (ROA) | 0.5483% | 4,890 |
| Pretax return on assets | 0.8859% | 4,175 |
| Return on Equity (ROE) | 4.3397% | 5,131 |
| Retained earnings to average equity (ytd only) | 3.2656% | 4,570 |
| Net charge-offs to loans | 2.6491% | 228 |
| Credit loss provision to net charge-offs | 106.0928% | 2,768 |
| Earnings coverage of net charge-offs (x) | 1.5356% | 4,513 |
| Efficiency ratio | 49.6421% | 6,615 |
| Assets per employee ($millions) | 9.0477% | 322 |
| Cash dividends to net income (ytd only)* | 24.7502% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9480% | 2,330 |
| Loan loss allowance to noncurrent loans | 22.5397% | 6,428 |
| Noncurrent assets plus other real estate owned to assets | 3.9836% | 1,213 |
| Noncurrent loans to loans | 8.6426% | 344 |
| Net loans and leases to total assets | 37.9414% | 6,417 |
| Net loans and leases to deposits | 48.5119% | 6,231 |
| Net loans and leases to core deposits | 58.6905% | 5,689 |
| Total domestic deposits to total assets | 78.2105% | 6,030 |
| Equity capital to assets | 13.1872% | 1,503 |
| Core capital (leverage) ratio | 12.0429% | 1,631 |
| Tier 1 risk-based capital ratio | 17.5833% | 2,506 |
| Total risk-based capital ratio | 18.6929% | 2,529 |
| Memoranda: | ||
| Average total assets | $413,598,500 | 1,600 |
| Average earning assets | $384,677,500 | 1,574 |
| Average equity | $52,259,750 | 1,366 |
| Average total loans | $166,040,000 | 2,380 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2419% | 4,801 |
| Cost of funding earning assets | 1.1822% | 887 |
| Net interest margin | 3.0597% | 6,104 |
| Noninterest income to average assets | 0.4315% | 4,424 |
| Noninterest expense to average assets | 1.5177% | 6,992 |
| Loan and lease loss provision to assets | 1.4672% | 252 |
| Net operating income to assets | 0.1123% | 6,128 |
| Return on assets (ROA) | 0.4762% | 5,175 |
| Pretax return on assets | 0.8601% | 4,233 |
| Return on Equity (ROE) | 3.8237% | 5,346 |
| Retained earnings to average equity (ytd only) | 3.0049% | 4,643 |
| Net charge-offs to loans | 3.3493% | 164 |
| Credit loss provision to net charge-offs | 107.8501% | 2,526 |
| Earnings coverage of net charge-offs (x) | 1.2928% | 4,359 |
| Efficiency ratio | 46.3221% | 6,873 |
| Assets per employee ($millions) | 8.9092% | 329 |
| Cash dividends to net income (ytd only)* | 21.4141% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9211% | 2,477 |
| Loan loss allowance to noncurrent loans | 17.3957% | 6,594 |
| Noncurrent assets plus other real estate owned to assets | 4.6286% | 1,050 |
| Noncurrent loans to loans | 11.0436% | 214 |
| Net loans and leases to total assets | 38.4934% | 6,440 |
| Net loans and leases to deposits | 48.8919% | 6,254 |
| Net loans and leases to core deposits | 58.9868% | 5,693 |
| Total domestic deposits to total assets | 78.7318% | 6,009 |
| Equity capital to assets | 12.8702% | 1,581 |
| Core capital (leverage) ratio | 11.7942% | 1,728 |
| Tier 1 risk-based capital ratio | 17.3401% | 2,530 |
| Total risk-based capital ratio | 18.4533% | 2,545 |
| Memoranda: | ||
| Average total assets | $415,749,330 | 1,598 |
| Average earning assets | $386,569,000 | 1,566 |
| Average equity | $51,782,670 | 1,371 |
| Average total loans | $168,871,330 | 2,361 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4516% | 4,108 |
| Cost of funding earning assets | 1.2192% | 898 |
| Net interest margin | 3.2324% | 5,692 |
| Noninterest income to average assets | 0.3993% | 4,678 |
| Noninterest expense to average assets | 1.4511% | 7,085 |
| Loan and lease loss provision to assets | 1.8629% | 166 |
| Net operating income to assets | -0.2971% | 6,707 |
| Return on assets (ROA) | -0.2971% | 6,747 |
| Pretax return on assets | 0.0841% | 6,407 |
| Return on Equity (ROE) | -2.4249% | 6,717 |
| Retained earnings to average equity (ytd only) | -4.0779% | 6,504 |
| Net charge-offs to loans | 0.8491% | 1,208 |
| Credit loss provision to net charge-offs | 531.3351% | 630 |
| Earnings coverage of net charge-offs (x) | 5.5531% | 2,342 |
| Efficiency ratio | 42.7045% | 7,035 |
| Assets per employee ($millions) | 9.2569% | 299 |
| Cash dividends to net income (ytd only)* | -68.1672% | 7,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6486% | 1,175 |
| Loan loss allowance to noncurrent loans | 30.9420% | 6,125 |
| Noncurrent assets plus other real estate owned to assets | 3.7452% | 1,496 |
| Noncurrent loans to loans | 8.5598% | 423 |
| Net loans and leases to total assets | 39.2744% | 6,404 |
| Net loans and leases to deposits | 49.4940% | 6,180 |
| Net loans and leases to core deposits | 59.9958% | 5,529 |
| Total domestic deposits to total assets | 79.3519% | 6,004 |
| Equity capital to assets | 12.3098% | 1,843 |
| Core capital (leverage) ratio | 11.4090% | 1,954 |
| Tier 1 risk-based capital ratio | 15.6580% | 3,359 |
| Total risk-based capital ratio | 16.9111% | 3,330 |
| Memoranda: | ||
| Average total assets | $418,712,500 | 1,592 |
| Average earning assets | $388,444,500 | 1,563 |
| Average equity | $51,301,500 | 1,383 |
| Average total loans | $172,884,500 | 2,333 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9061% | 3,321 |
| Cost of funding earning assets | 1.3859% | 1,096 |
| Net interest margin | 3.5202% | 5,070 |
| Noninterest income to average assets | 0.3789% | 4,797 |
| Noninterest expense to average assets | 1.5128% | 7,160 |
| Loan and lease loss provision to assets | 1.2689% | 656 |
| Net operating income to assets | 0.6813% | 3,570 |
| Return on assets (ROA) | 1.0282% | 2,243 |
| Pretax return on assets | 1.2902% | 2,168 |
| Return on Equity (ROE) | 8.9653% | 2,465 |
| Retained earnings to average equity (ytd only) | 6.2305% | 1,889 |
| Net charge-offs to loans | 2.3348% | 532 |
| Credit loss provision to net charge-offs | 128.8457% | 2,390 |
| Earnings coverage of net charge-offs (x) | 2.1583% | 4,169 |
| Efficiency ratio | 41.5789% | 7,177 |
| Assets per employee ($millions) | 8.9546% | 336 |
| Cash dividends to net income (ytd only)* | 30.5045% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6138% | 3,534 |
| Loan loss allowance to noncurrent loans | 31.3957% | 6,112 |
| Noncurrent assets plus other real estate owned to assets | 2.3421% | 2,588 |
| Noncurrent loans to loans | 5.1402% | 1,089 |
| Net loans and leases to total assets | 41.5450% | 6,418 |
| Net loans and leases to deposits | 52.2195% | 6,189 |
| Net loans and leases to core deposits | 62.4629% | 5,607 |
| Total domestic deposits to total assets | 79.5585% | 5,855 |
| Equity capital to assets | 12.1952% | 1,968 |
| Core capital (leverage) ratio | 11.7419% | 1,742 |
| Tier 1 risk-based capital ratio | 15.3717% | 3,408 |
| Total risk-based capital ratio | 16.3026% | 3,565 |
| Memoranda: | ||
| Average total assets | $412,557,200 | 1,575 |
| Average earning assets | $381,994,800 | 1,557 |
| Average equity | $47,315,800 | 1,435 |
| Average total loans | $174,022,400 | 2,329 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1064% | 2,576 |
| Cost of funding earning assets | 1.4312% | 1,102 |
| Net interest margin | 3.6752% | 4,445 |
| Noninterest income to average assets | 0.3778% | 4,843 |
| Noninterest expense to average assets | 1.5240% | 7,213 |
| Loan and lease loss provision to assets | 1.4600% | 478 |
| Net operating income to assets | 0.6052% | 4,062 |
| Return on assets (ROA) | 1.0410% | 2,327 |
| Pretax return on assets | 1.3805% | 2,005 |
| Return on Equity (ROE) | 9.2267% | 2,492 |
| Retained earnings to average equity (ytd only) | 6.1118% | 2,486 |
| Net charge-offs to loans | 2.1059% | 585 |
| Credit loss provision to net charge-offs | 164.4111% | 1,855 |
| Earnings coverage of net charge-offs (x) | 2.5443% | 3,857 |
| Efficiency ratio | 40.2816% | 7,254 |
| Assets per employee ($millions) | 8.5222% | 393 |
| Cash dividends to net income (ytd only)* | 33.7597% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9354% | 2,519 |
| Loan loss allowance to noncurrent loans | 30.1605% | 6,241 |
| Noncurrent assets plus other real estate owned to assets | 3.0209% | 2,125 |
| Noncurrent loans to loans | 6.4171% | 833 |
| Net loans and leases to total assets | 43.7306% | 6,357 |
| Net loans and leases to deposits | 55.5140% | 6,072 |
| Net loans and leases to core deposits | 67.5475% | 5,231 |
| Total domestic deposits to total assets | 78.7741% | 6,032 |
| Equity capital to assets | 12.6054% | 1,847 |
| Core capital (leverage) ratio | 11.5581% | 1,984 |
| Tier 1 risk-based capital ratio | 15.1896% | 3,555 |
| Total risk-based capital ratio | 16.3181% | 3,593 |
| Memoranda: | ||
| Average total assets | $410,480,500 | 1,589 |
| Average earning assets | $380,373,250 | 1,569 |
| Average equity | $46,313,500 | 1,474 |
| Average total loans | $173,099,000 | 2,350 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1983% | 2,262 |
| Cost of funding earning assets | 1.4878% | 1,047 |
| Net interest margin | 3.7105% | 4,213 |
| Noninterest income to average assets | 0.3480% | 5,101 |
| Noninterest expense to average assets | 1.5327% | 7,285 |
| Loan and lease loss provision to assets | 1.9116% | 339 |
| Net operating income to assets | 0.1188% | 5,968 |
| Return on assets (ROA) | 0.4418% | 4,899 |
| Pretax return on assets | 0.8391% | 3,873 |
| Return on Equity (ROE) | 4.0693% | 4,907 |
| Retained earnings to average equity (ytd only) | 0.1959% | 5,760 |
| Net charge-offs to loans | 3.2967% | 287 |
| Credit loss provision to net charge-offs | 140.0992% | 2,171 |
| Earnings coverage of net charge-offs (x) | 1.6461% | 4,057 |
| Efficiency ratio | 40.5602% | 7,327 |
| Assets per employee ($millions) | 8.7450% | 356 |
| Cash dividends to net income (ytd only)* | 95.1860% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6312% | 3,576 |
| Loan loss allowance to noncurrent loans | 43.7703% | 5,404 |
| Noncurrent assets plus other real estate owned to assets | 1.8644% | 3,416 |
| Noncurrent loans to loans | 3.7268% | 1,885 |
| Net loans and leases to total assets | 41.4913% | 6,630 |
| Net loans and leases to deposits | 51.5927% | 6,494 |
| Net loans and leases to core deposits | 63.4269% | 5,783 |
| Total domestic deposits to total assets | 80.4210% | 5,701 |
| Equity capital to assets | 11.4334% | 2,569 |
| Core capital (leverage) ratio | 10.7525% | 2,466 |
| Tier 1 risk-based capital ratio | 14.1597% | 4,054 |
| Total risk-based capital ratio | 15.0605% | 4,275 |
| Memoranda: | ||
| Average total assets | $413,793,000 | 1,594 |
| Average earning assets | $382,585,330 | 1,572 |
| Average equity | $44,921,330 | 1,501 |
| Average total loans | $171,259,670 | 2,392 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1977% | 2,227 |
| Cost of funding earning assets | 1.5165% | 1,103 |
| Net interest margin | 3.6812% | 4,199 |
| Noninterest income to average assets | 0.2948% | 5,558 |
| Noninterest expense to average assets | 1.5338% | 7,351 |
| Loan and lease loss provision to assets | 0.9923% | 780 |
| Net operating income to assets | 0.7707% | 3,166 |
| Return on assets (ROA) | 0.7707% | 3,237 |
| Pretax return on assets | 1.1667% | 2,493 |
| Return on Equity (ROE) | 7.2917% | 3,248 |
| Retained earnings to average equity (ytd only) | 1.2943% | 5,310 |
| Net charge-offs to loans | 0.2632% | 3,018 |
| Credit loss provision to net charge-offs | 919.6429% | 410 |
| Earnings coverage of net charge-offs (x) | 20.0089% | 1,119 |
| Efficiency ratio | 41.5340% | 7,359 |
| Assets per employee ($millions) | 9.0739% | 323 |
| Cash dividends to net income (ytd only)* | 82.2500% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5324% | 4,041 |
| Loan loss allowance to noncurrent loans | 216.5700% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.5803% | 5,809 |
| Noncurrent loans to loans | 0.7076% | 5,599 |
| Net loans and leases to total assets | 40.2408% | 6,759 |
| Net loans and leases to deposits | 49.5133% | 6,656 |
| Net loans and leases to core deposits | 60.9350% | 6,020 |
| Total domestic deposits to total assets | 81.2726% | 5,582 |
| Equity capital to assets | 10.7223% | 2,961 |
| Core capital (leverage) ratio | 10.7990% | 2,355 |
| Tier 1 risk-based capital ratio | 13.6628% | 4,316 |
| Total risk-based capital ratio | 14.4645% | 4,636 |
| Memoranda: | ||
| Average total assets | $415,181,500 | 1,599 |
| Average earning assets | $383,246,000 | 1,578 |
| Average equity | $43,885,500 | 1,519 |
| Average total loans | $170,207,500 | 2,432 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3765% | 2,780 |
| Cost of funding earning assets | 1.7302% | 1,464 |
| Net interest margin | 3.6463% | 4,591 |
| Noninterest income to average assets | 0.3904% | 4,974 |
| Noninterest expense to average assets | 1.5363% | 7,430 |
| Loan and lease loss provision to assets | 0.3565% | 3,984 |
| Net operating income to assets | 1.4491% | 856 |
| Return on assets (ROA) | 1.4530% | 917 |
| Pretax return on assets | 1.8576% | 670 |
| Return on Equity (ROE) | 13.1791% | 1,046 |
| Retained earnings to average equity (ytd only) | 7.1838% | 1,250 |
| Net charge-offs to loans | 0.6786% | 2,972 |
| Credit loss provision to net charge-offs | 123.3710% | 3,367 |
| Earnings coverage of net charge-offs (x) | 7.6455% | 2,094 |
| Efficiency ratio | 41.0188% | 7,488 |
| Assets per employee ($millions) | 8.7864% | 367 |
| Cash dividends to net income (ytd only)* | 45.4907% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 6,399 |
| Loan loss allowance to noncurrent loans | 79.8118% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.8357% | 5,328 |
| Noncurrent loans to loans | 1.2512% | 4,630 |
| Net loans and leases to total assets | 40.7155% | 6,923 |
| Net loans and leases to deposits | 49.8892% | 6,862 |
| Net loans and leases to core deposits | 60.8623% | 6,325 |
| Total domestic deposits to total assets | 81.6119% | 5,319 |
| Equity capital to assets | 10.4164% | 3,258 |
| Core capital (leverage) ratio | 10.8402% | 2,274 |
| Tier 1 risk-based capital ratio | 13.7850% | 4,000 |
| Total risk-based capital ratio | 14.3115% | 4,516 |
| Memoranda: | ||
| Average total assets | $398,354,600 | 1,658 |
| Average earning assets | $366,540,800 | 1,641 |
| Average equity | $43,918,000 | 1,519 |
| Average total loans | $169,610,600 | 2,477 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4230% | 2,778 |
| Cost of funding earning assets | 1.7674% | 1,559 |
| Net interest margin | 3.6556% | 4,608 |
| Noninterest income to average assets | 0.4074% | 4,898 |
| Noninterest expense to average assets | 1.5252% | 7,538 |
| Loan and lease loss provision to assets | 0.3851% | 3,577 |
| Net operating income to assets | 1.4452% | 1,028 |
| Return on assets (ROA) | 1.4505% | 1,094 |
| Pretax return on assets | 1.8653% | 820 |
| Return on Equity (ROE) | 12.9695% | 1,260 |
| Retained earnings to average equity (ytd only) | 7.0073% | 1,844 |
| Net charge-offs to loans | 0.6676% | 2,757 |
| Credit loss provision to net charge-offs | 134.2756% | 3,001 |
| Earnings coverage of net charge-offs (x) | 7.8233% | 2,259 |
| Efficiency ratio | 40.4679% | 7,570 |
| Assets per employee ($millions) | 8.6243% | 394 |
| Cash dividends to net income (ytd only)* | 45.9711% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 6,401 |
| Loan loss allowance to noncurrent loans | 72.2760% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 0.9691% | 5,148 |
| Noncurrent loans to loans | 1.3816% | 4,553 |
| Net loans and leases to total assets | 42.0208% | 6,975 |
| Net loans and leases to deposits | 52.6653% | 6,853 |
| Net loans and leases to core deposits | 64.4140% | 6,264 |
| Total domestic deposits to total assets | 79.7884% | 5,778 |
| Equity capital to assets | 11.6583% | 2,400 |
| Core capital (leverage) ratio | 10.9868% | 2,272 |
| Tier 1 risk-based capital ratio | 14.0409% | 3,804 |
| Total risk-based capital ratio | 14.5945% | 4,281 |
| Memoranda: | ||
| Average total assets | $394,702,500 | 1,695 |
| Average earning assets | $362,941,750 | 1,683 |
| Average equity | $44,143,500 | 1,517 |
| Average total loans | $169,554,250 | 2,518 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4171% | 2,902 |
| Cost of funding earning assets | 1.7884% | 1,692 |
| Net interest margin | 3.6286% | 4,700 |
| Noninterest income to average assets | 0.4423% | 4,584 |
| Noninterest expense to average assets | 1.5216% | 7,606 |
| Loan and lease loss provision to assets | 0.4295% | 3,175 |
| Net operating income to assets | 1.4046% | 1,088 |
| Return on assets (ROA) | 1.4046% | 1,147 |
| Pretax return on assets | 1.8223% | 849 |
| Return on Equity (ROE) | 12.7453% | 1,301 |
| Retained earnings to average equity (ytd only) | 6.6394% | 1,995 |
| Net charge-offs to loans | 0.8961% | 2,042 |
| Credit loss provision to net charge-offs | 111.1111% | 3,644 |
| Earnings coverage of net charge-offs (x) | 5.8254% | 2,587 |
| Efficiency ratio | 40.3252% | 7,638 |
| Assets per employee ($millions) | 8.3624% | 435 |
| Cash dividends to net income (ytd only)* | 47.9068% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8655% | 6,867 |
| Loan loss allowance to noncurrent loans | 67.9406% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 1.0503% | 5,041 |
| Noncurrent loans to loans | 1.2739% | 4,836 |
| Net loans and leases to total assets | 44.0356% | 6,917 |
| Net loans and leases to deposits | 54.9841% | 6,793 |
| Net loans and leases to core deposits | 67.2741% | 6,122 |
| Total domestic deposits to total assets | 80.0879% | 5,701 |
| Equity capital to assets | 11.3718% | 2,541 |
| Core capital (leverage) ratio | 10.8806% | 2,340 |
| Tier 1 risk-based capital ratio | 13.8640% | 3,827 |
| Total risk-based capital ratio | 14.3548% | 4,313 |
| Memoranda: | ||
| Average total assets | $391,156,000 | 1,722 |
| Average earning assets | $359,088,000 | 1,705 |
| Average equity | $43,106,000 | 1,539 |
| Average total loans | $168,723,670 | 2,568 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3805% | 3,138 |
| Cost of funding earning assets | 1.7875% | 1,928 |
| Net interest margin | 3.5930% | 4,764 |
| Noninterest income to average assets | 0.4398% | 4,564 |
| Noninterest expense to average assets | 1.5233% | 7,705 |
| Loan and lease loss provision to assets | 0.3383% | 3,361 |
| Net operating income to assets | 1.4443% | 992 |
| Return on assets (ROA) | 1.4443% | 1,068 |
| Pretax return on assets | 1.8625% | 789 |
| Return on Equity (ROE) | 13.3203% | 1,187 |
| Retained earnings to average equity (ytd only) | 7.0997% | 2,089 |
| Net charge-offs to loans | 1.1074% | 1,518 |
| Credit loss provision to net charge-offs | 71.8954% | 4,061 |
| Earnings coverage of net charge-offs (x) | 4.6776% | 2,576 |
| Efficiency ratio | 40.9028% | 7,707 |
| Assets per employee ($millions) | 7.8753% | 540 |
| Cash dividends to net income (ytd only)* | 46.6998% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7754% | 7,187 |
| Loan loss allowance to noncurrent loans | 58.6005% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 1.0308% | 5,090 |
| Noncurrent loans to loans | 1.3232% | 4,768 |
| Net loans and leases to total assets | 42.1827% | 7,115 |
| Net loans and leases to deposits | 52.2457% | 7,024 |
| Net loans and leases to core deposits | 66.2684% | 6,266 |
| Total domestic deposits to total assets | 80.7391% | 5,535 |
| Equity capital to assets | 10.8702% | 2,876 |
| Core capital (leverage) ratio | 10.9222% | 2,278 |
| Tier 1 risk-based capital ratio | 14.1818% | 3,540 |
| Total risk-based capital ratio | 14.6201% | 4,033 |
| Memoranda: | ||
| Average total assets | $390,218,000 | 1,767 |
| Average earning assets | $356,698,500 | 1,756 |
| Average equity | $42,311,500 | 1,582 |
| Average total loans | $165,793,000 | 2,676 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7421% | 2,897 |
| Cost of funding earning assets | 2.1616% | 2,179 |
| Net interest margin | 3.5804% | 4,616 |
| Noninterest income to average assets | 0.5206% | 4,258 |
| Noninterest expense to average assets | 1.6489% | 7,742 |
| Loan and lease loss provision to assets | 0.2243% | 5,569 |
| Net operating income to assets | 1.4914% | 686 |
| Return on assets (ROA) | 1.4914% | 738 |
| Pretax return on assets | 1.9318% | 473 |
| Return on Equity (ROE) | 13.4468% | 880 |
| Retained earnings to average equity (ytd only) | 6.9552% | 973 |
| Net charge-offs to loans | 0.4941% | 3,792 |
| Credit loss provision to net charge-offs | 102.5000% | 5,388 |
| Earnings coverage of net charge-offs (x) | 9.8525% | 1,748 |
| Efficiency ratio | 43.3357% | 7,796 |
| Assets per employee ($millions) | 7.7334% | 571 |
| Cash dividends to net income (ytd only)* | 48.2759% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8691% | 6,925 |
| Loan loss allowance to noncurrent loans | 67.5983% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 1.1842% | 4,733 |
| Noncurrent loans to loans | 1.2857% | 4,782 |
| Net loans and leases to total assets | 42.0927% | 7,246 |
| Net loans and leases to deposits | 52.2259% | 7,144 |
| Net loans and leases to core deposits | 79.9199% | 6,108 |
| Total domestic deposits to total assets | 80.5974% | 5,476 |
| Equity capital to assets | 10.8154% | 2,854 |
| Core capital (leverage) ratio | 10.8334% | 2,325 |
| Tier 1 risk-based capital ratio | 14.2258% | 3,361 |
| Total risk-based capital ratio | 14.7179% | 3,789 |
| Memoranda: | ||
| Average total assets | $365,570,200 | 1,857 |
| Average earning assets | $335,349,200 | 1,853 |
| Average equity | $40,545,000 | 1,652 |
| Average total loans | $161,921,600 | 2,729 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8287% | 2,759 |
| Cost of funding earning assets | 2.2460% | 2,203 |
| Net interest margin | 3.5827% | 4,546 |
| Noninterest income to average assets | 0.5336% | 4,207 |
| Noninterest expense to average assets | 1.6575% | 7,793 |
| Loan and lease loss provision to assets | 0.1924% | 5,455 |
| Net operating income to assets | 1.5883% | 680 |
| Return on assets (ROA) | 1.5883% | 733 |
| Pretax return on assets | 1.9746% | 569 |
| Return on Equity (ROE) | 14.2258% | 890 |
| Retained earnings to average equity (ytd only) | 7.6830% | 1,238 |
| Net charge-offs to loans | 0.3512% | 3,884 |
| Credit loss provision to net charge-offs | 122.3529% | 4,143 |
| Earnings coverage of net charge-offs (x) | 13.7789% | 1,651 |
| Efficiency ratio | 43.3382% | 7,855 |
| Assets per employee ($millions) | 7.3778% | 675 |
| Cash dividends to net income (ytd only)* | 45.9925% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9110% | 6,716 |
| Loan loss allowance to noncurrent loans | 51.3329% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 1.1369% | 4,795 |
| Noncurrent loans to loans | 1.7748% | 3,955 |
| Net loans and leases to total assets | 44.2849% | 7,225 |
| Net loans and leases to deposits | 56.0255% | 7,085 |
| Net loans and leases to core deposits | 88.7163% | 5,560 |
| Total domestic deposits to total assets | 79.0442% | 5,787 |
| Equity capital to assets | 11.7205% | 2,416 |
| Core capital (leverage) ratio | 11.1771% | 2,278 |
| Tier 1 risk-based capital ratio | 15.0015% | 3,038 |
| Total risk-based capital ratio | 15.5544% | 3,331 |
| Memoranda: | ||
| Average total assets | $360,295,250 | 1,903 |
| Average earning assets | $330,951,750 | 1,892 |
| Average equity | $40,226,250 | 1,684 |
| Average total loans | $161,355,250 | 2,767 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9731% | 2,288 |
| Cost of funding earning assets | 2.2918% | 2,385 |
| Net interest margin | 3.6814% | 4,033 |
| Noninterest income to average assets | 0.4717% | 4,698 |
| Noninterest expense to average assets | 1.6876% | 7,845 |
| Loan and lease loss provision to assets | 0.1679% | 5,387 |
| Net operating income to assets | 1.5947% | 688 |
| Return on assets (ROA) | 1.5947% | 756 |
| Pretax return on assets | 1.9842% | 589 |
| Return on Equity (ROE) | 14.5323% | 902 |
| Retained earnings to average equity (ytd only) | 7.8219% | 1,270 |
| Net charge-offs to loans | 0.0037% | 6,564 |
| Credit loss provision to net charge-offs | 10,000.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 1,282.0000% | 21 |
| Efficiency ratio | 43.9522% | 7,926 |
| Assets per employee ($millions) | 7.2493% | 688 |
| Cash dividends to net income (ytd only)* | 46.1754% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 6,008 |
| Loan loss allowance to noncurrent loans | 74.9011% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 0.7441% | 5,545 |
| Noncurrent loans to loans | 1.3777% | 4,460 |
| Net loans and leases to total assets | 45.0886% | 7,259 |
| Net loans and leases to deposits | 56.3336% | 7,143 |
| Net loans and leases to core deposits | 87.9276% | 5,733 |
| Total domestic deposits to total assets | 80.0387% | 5,463 |
| Equity capital to assets | 10.8093% | 3,106 |
| Core capital (leverage) ratio | 11.1364% | 2,307 |
| Tier 1 risk-based capital ratio | 14.9845% | 3,025 |
| Total risk-based capital ratio | 15.6234% | 3,256 |
| Memoranda: | ||
| Average total assets | $357,430,000 | 1,942 |
| Average earning assets | $326,998,670 | 1,934 |
| Average equity | $39,223,000 | 1,740 |
| Average total loans | $160,185,330 | 2,820 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1704% | 1,690 |
| Cost of funding earning assets | 2.3210% | 2,612 |
| Net interest margin | 3.8494% | 3,250 |
| Noninterest income to average assets | 0.5353% | 4,020 |
| Noninterest expense to average assets | 1.6105% | 7,903 |
| Loan and lease loss provision to assets | 0.1691% | 4,777 |
| Net operating income to assets | 1.8833% | 453 |
| Return on assets (ROA) | 1.8833% | 502 |
| Pretax return on assets | 2.2755% | 384 |
| Return on Equity (ROE) | 17.0317% | 683 |
| Retained earnings to average equity (ytd only) | 10.3250% | 1,112 |
| Net charge-offs to loans | 0.1928% | 3,484 |
| Credit loss provision to net charge-offs | 197.3684% | 2,246 |
| Earnings coverage of net charge-offs (x) | 28.5395% | 1,102 |
| Efficiency ratio | 39.7165% | 8,054 |
| Assets per employee ($millions) | 7.1081% | 739 |
| Cash dividends to net income (ytd only)* | 39.3776% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 6,530 |
| Loan loss allowance to noncurrent loans | 67.0743% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 0.9274% | 4,873 |
| Noncurrent loans to loans | 1.4089% | 4,199 |
| Net loans and leases to total assets | 43.6778% | 7,370 |
| Net loans and leases to deposits | 54.9192% | 7,228 |
| Net loans and leases to core deposits | 85.0966% | 5,972 |
| Total domestic deposits to total assets | 79.5311% | 5,533 |
| Equity capital to assets | 11.0535% | 2,920 |
| Core capital (leverage) ratio | 11.1247% | 2,401 |
| Tier 1 risk-based capital ratio | 16.0410% | 2,678 |
| Total risk-based capital ratio | 16.6433% | 2,829 |
| Memoranda: | ||
| Average total assets | $354,912,000 | 1,957 |
| Average earning assets | $324,516,000 | 1,952 |
| Average equity | $39,244,500 | 1,730 |
| Average total loans | $157,710,500 | 2,886 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2173% | 4,425 |
| Cost of funding earning assets | 2.7452% | 2,951 |
| Net interest margin | 3.4721% | 5,393 |
| Noninterest income to average assets | 0.4621% | 4,949 |
| Noninterest expense to average assets | 1.5844% | 7,978 |
| Loan and lease loss provision to assets | 0.1749% | 5,150 |
| Net operating income to assets | 1.5153% | 987 |
| Return on assets (ROA) | 1.5153% | 958 |
| Pretax return on assets | 1.8799% | 799 |
| Return on Equity (ROE) | 13.6388% | 1,175 |
| Retained earnings to average equity (ytd only) | 6.6113% | 1,291 |
| Net charge-offs to loans | 0.3726% | 2,977 |
| Credit loss provision to net charge-offs | 108.6556% | 4,950 |
| Earnings coverage of net charge-offs (x) | 12.7661% | 2,211 |
| Efficiency ratio | 43.5367% | 8,026 |
| Assets per employee ($millions) | 7.0883% | 679 |
| Cash dividends to net income (ytd only)* | 51.5258% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8865% | 6,750 |
| Loan loss allowance to noncurrent loans | 124.8447% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.6377% | 5,302 |
| Noncurrent loans to loans | 0.7101% | 5,260 |
| Net loans and leases to total assets | 44.3825% | 7,448 |
| Net loans and leases to deposits | 55.8477% | 7,333 |
| Net loans and leases to core deposits | 79.1716% | 6,678 |
| Total domestic deposits to total assets | 79.4705% | 5,216 |
| Equity capital to assets | 11.0615% | 2,990 |
| Core capital (leverage) ratio | 11.2211% | 2,416 |
| Tier 1 risk-based capital ratio | 15.7980% | 2,743 |
| Total risk-based capital ratio | 16.3764% | 2,912 |
| Memoranda: | ||
| Average total assets | $337,358,600 | 1,976 |
| Average earning assets | $308,686,200 | 1,972 |
| Average equity | $37,481,400 | 1,803 |
| Average total loans | $145,730,000 | 2,994 |