Home > First Citizens State Bank > Performance and Condition Ratios
First Citizens State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3108% | 3,428 |
| Cost of funding earning assets | 1.2657% | 2,615 |
| Net interest margin | 3.0451% | 3,189 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 1.9437% | 3,749 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1682% | 1,731 |
| Return on assets (ROA) | 1.1682% | 1,705 |
| Pretax return on assets | 1.5772% | 1,279 |
| Return on Equity (ROE) | 6.7200% | 3,353 |
| Retained earnings to average equity (ytd only) | 5.7924% | 2,322 |
| Net charge-offs to loans | 0.0848% | 1,011 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 32.6364% | 1,582 |
| Efficiency ratio | 55.2046% | 3,582 |
| Assets per employee ($millions) | 6.8025% | 2,205 |
| Cash dividends to net income (ytd only)* | 13.8559% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5618% | 181 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 58.7400% | 2,974 |
| Net loans and leases to deposits | 81.1090% | 2,022 |
| Net loans and leases to core deposits | 89.7654% | 2,070 |
| Total domestic deposits to total assets | 72.4200% | 4,207 |
| Equity capital to assets | 17.3364% | 372 |
| Core capital (leverage) ratio | 17.4455% | 374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $432,471,600 | 1,911 |
| Average earning assets | $403,958,800 | 1,894 |
| Average equity | $75,132,600 | 1,180 |
| Average total loans | $246,550,800 | 2,020 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2247% | 3,429 |
| Cost of funding earning assets | 1.1334% | 2,651 |
| Net interest margin | 3.0913% | 3,155 |
| Noninterest income to average assets | 0.6600% | 1,314 |
| Noninterest expense to average assets | 1.9436% | 3,728 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2805% | 1,586 |
| Return on assets (ROA) | 1.2805% | 1,576 |
| Pretax return on assets | 1.6029% | 1,351 |
| Return on Equity (ROE) | 7.3500% | 3,340 |
| Retained earnings to average equity (ytd only) | 6.7296% | 2,386 |
| Net charge-offs to loans | 0.1170% | 687 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 24.3443% | 1,713 |
| Efficiency ratio | 54.8034% | 3,515 |
| Assets per employee ($millions) | 6.2369% | 2,538 |
| Cash dividends to net income (ytd only)* | 8.4890% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0663% | 116 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 57.4900% | 3,076 |
| Net loans and leases to deposits | 81.3240% | 1,953 |
| Net loans and leases to core deposits | 87.6421% | 2,080 |
| Total domestic deposits to total assets | 70.6900% | 4,305 |
| Equity capital to assets | 17.6460% | 365 |
| Core capital (leverage) ratio | 17.4862% | 377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $429,298,750 | 1,922 |
| Average earning assets | $400,682,000 | 1,905 |
| Average equity | $74,752,000 | 1,179 |
| Average total loans | $241,547,000 | 2,051 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0633% | 3,562 |
| Cost of funding earning assets | 0.9554% | 2,751 |
| Net interest margin | 3.1079% | 3,209 |
| Noninterest income to average assets | 0.6800% | 1,182 |
| Noninterest expense to average assets | 1.9135% | 3,786 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3083% | 1,550 |
| Return on assets (ROA) | 1.3083% | 1,535 |
| Pretax return on assets | 1.6697% | 1,275 |
| Return on Equity (ROE) | 7.5500% | 3,353 |
| Retained earnings to average equity (ytd only) | 6.6060% | 2,418 |
| Net charge-offs to loans | -0.0101% | 3,914 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.4027% | 3,659 |
| Assets per employee ($millions) | 6.7345% | 2,115 |
| Cash dividends to net income (ytd only)* | 12.4733% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2502% | 112 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 54.7400% | 3,212 |
| Net loans and leases to deposits | 76.1049% | 2,306 |
| Net loans and leases to core deposits | 81.0094% | 2,408 |
| Total domestic deposits to total assets | 71.9300% | 4,296 |
| Equity capital to assets | 17.0339% | 389 |
| Core capital (leverage) ratio | 17.6817% | 361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $428,949,000 | 1,921 |
| Average earning assets | $400,463,667 | 1,906 |
| Average equity | $74,356,333 | 1,182 |
| Average total loans | $236,986,333 | 2,070 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9810% | 3,488 |
| Cost of funding earning assets | 0.7877% | 2,775 |
| Net interest margin | 3.1933% | 3,132 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 1.8956% | 3,856 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3426% | 1,561 |
| Return on assets (ROA) | 1.3426% | 1,534 |
| Pretax return on assets | 1.7072% | 1,258 |
| Return on Equity (ROE) | 7.6800% | 3,373 |
| Retained earnings to average equity (ytd only) | 7.6765% | 2,321 |
| Net charge-offs to loans | -0.0155% | 4,011 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.6151% | 3,728 |
| Assets per employee ($millions) | 6.1921% | 2,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4366% | 94 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 53.7000% | 3,225 |
| Net loans and leases to deposits | 71.4492% | 2,508 |
| Net loans and leases to core deposits | 75.9165% | 2,533 |
| Total domestic deposits to total assets | 75.1600% | 4,209 |
| Equity capital to assets | 17.4728% | 326 |
| Core capital (leverage) ratio | 17.3091% | 380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $424,553,500 | 1,957 |
| Average earning assets | $395,578,000 | 1,949 |
| Average equity | $74,252,500 | 1,191 |
| Average total loans | $231,639,500 | 2,110 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3966% | 3,353 |
| Cost of funding earning assets | 0.2202% | 3,596 |
| Net interest margin | 3.1764% | 2,940 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 1.9480% | 3,719 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3141% | 1,381 |
| Return on assets (ROA) | 1.3141% | 1,344 |
| Pretax return on assets | 1.6902% | 944 |
| Return on Equity (ROE) | 7.5700% | 3,496 |
| Retained earnings to average equity (ytd only) | 6.6110% | 2,405 |
| Net charge-offs to loans | -0.0195% | 4,060 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.5438% | 3,827 |
| Assets per employee ($millions) | 6.2948% | 2,515 |
| Cash dividends to net income (ytd only)* | 12.7180% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8933% | 545 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 52.5100% | 3,323 |
| Net loans and leases to deposits | 67.2135% | 2,793 |
| Net loans and leases to core deposits | 70.0875% | 2,861 |
| Total domestic deposits to total assets | 78.1300% | 4,079 |
| Equity capital to assets | 17.5060% | 318 |
| Core capital (leverage) ratio | 17.9226% | 333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $418,833,000 | 1,962 |
| Average earning assets | $384,237,800 | 1,969 |
| Average equity | $72,666,400 | 1,217 |
| Average total loans | $215,042,600 | 2,134 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2631% | 3,275 |
| Cost of funding earning assets | 0.1741% | 3,575 |
| Net interest margin | 3.0890% | 2,965 |
| Noninterest income to average assets | 0.7200% | 1,256 |
| Noninterest expense to average assets | 1.9398% | 3,649 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2471% | 1,531 |
| Return on assets (ROA) | 1.2471% | 1,503 |
| Pretax return on assets | 1.6040% | 1,111 |
| Return on Equity (ROE) | 7.2000% | 3,548 |
| Retained earnings to average equity (ytd only) | 6.5574% | 2,536 |
| Net charge-offs to loans | -0.0574% | 4,342 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.7376% | 3,751 |
| Assets per employee ($millions) | 6.2085% | 2,567 |
| Cash dividends to net income (ytd only)* | 8.9836% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0485% | 466 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 49.6900% | 3,484 |
| Net loans and leases to deposits | 61.2448% | 3,088 |
| Net loans and leases to core deposits | 65.0167% | 3,024 |
| Total domestic deposits to total assets | 81.1300% | 3,959 |
| Equity capital to assets | 17.4380% | 298 |
| Core capital (leverage) ratio | 17.3190% | 358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $416,529,500 | 1,973 |
| Average earning assets | $380,694,500 | 2,001 |
| Average equity | $72,099,500 | 1,236 |
| Average total loans | $211,521,750 | 2,157 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1069% | 3,288 |
| Cost of funding earning assets | 0.1413% | 3,694 |
| Net interest margin | 2.9656% | 2,986 |
| Noninterest income to average assets | 0.7631% | 1,144 |
| Noninterest expense to average assets | 1.9409% | 3,600 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1769% | 1,512 |
| Return on assets (ROA) | 1.1769% | 1,489 |
| Pretax return on assets | 1.5141% | 1,135 |
| Return on Equity (ROE) | 6.8163% | 3,355 |
| Retained earnings to average equity (ytd only) | 5.8386% | 2,390 |
| Net charge-offs to loans | -0.0674% | 4,339 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1776% | 3,755 |
| Assets per employee ($millions) | 6.0693% | 2,681 |
| Cash dividends to net income (ytd only)* | 14.3443% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1209% | 430 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 47.4370% | 3,597 |
| Net loans and leases to deposits | 58.2850% | 3,198 |
| Net loans and leases to core deposits | 61.9262% | 3,124 |
| Total domestic deposits to total assets | 81.3879% | 4,083 |
| Equity capital to assets | 17.0364% | 277 |
| Core capital (leverage) ratio | 17.7043% | 291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $414,645,667 | 1,994 |
| Average earning assets | $376,388,667 | 2,040 |
| Average equity | $71,592,667 | 1,272 |
| Average total loans | $210,644,667 | 2,168 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0341% | 3,152 |
| Cost of funding earning assets | 0.1378% | 3,664 |
| Net interest margin | 2.8963% | 2,854 |
| Noninterest income to average assets | 0.7560% | 1,157 |
| Noninterest expense to average assets | 1.9358% | 3,587 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1271% | 1,448 |
| Return on assets (ROA) | 1.1271% | 1,443 |
| Pretax return on assets | 1.4475% | 1,134 |
| Return on Equity (ROE) | 6.4832% | 3,196 |
| Retained earnings to average equity (ytd only) | 6.4832% | 2,081 |
| Net charge-offs to loans | -0.1033% | 4,463 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2171% | 3,759 |
| Assets per employee ($millions) | 5.7899% | 3,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0486% | 570 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 50.6066% | 3,117 |
| Net loans and leases to deposits | 63.5084% | 2,572 |
| Net loans and leases to core deposits | 67.0047% | 2,534 |
| Total domestic deposits to total assets | 79.6849% | 4,302 |
| Equity capital to assets | 17.4237% | 253 |
| Core capital (leverage) ratio | 17.0941% | 286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $409,544,500 | 2,024 |
| Average earning assets | $371,508,500 | 2,066 |
| Average equity | $71,199,500 | 1,311 |
| Average total loans | $213,016,000 | 2,153 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3216% | 3,139 |
| Cost of funding earning assets | 0.1956% | 3,516 |
| Net interest margin | 3.1259% | 2,818 |
| Noninterest income to average assets | 0.8964% | 1,210 |
| Noninterest expense to average assets | 2.1067% | 3,374 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2502% | 1,743 |
| Return on assets (ROA) | 1.2502% | 1,802 |
| Pretax return on assets | 1.6061% | 1,409 |
| Return on Equity (ROE) | 7.0993% | 3,486 |
| Retained earnings to average equity (ytd only) | 6.0810% | 2,329 |
| Net charge-offs to loans | -0.0400% | 4,223 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7417% | 3,611 |
| Assets per employee ($millions) | 5.7466% | 3,013 |
| Cash dividends to net income (ytd only)* | 14.3443% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0108% | 593 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 51.3105% | 3,138 |
| Net loans and leases to deposits | 63.9983% | 2,685 |
| Net loans and leases to core deposits | 67.5351% | 2,688 |
| Total domestic deposits to total assets | 80.1748% | 4,203 |
| Equity capital to assets | 17.3461% | 283 |
| Core capital (leverage) ratio | 17.7610% | 253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $390,331,800 | 2,024 |
| Average earning assets | $351,672,800 | 2,076 |
| Average equity | $68,739,200 | 1,369 |
| Average total loans | $205,077,000 | 2,206 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3377% | 3,289 |
| Cost of funding earning assets | 0.2122% | 3,493 |
| Net interest margin | 3.1255% | 2,983 |
| Noninterest income to average assets | 0.8993% | 1,258 |
| Noninterest expense to average assets | 2.1224% | 3,301 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2407% | 2,019 |
| Return on assets (ROA) | 1.2407% | 2,080 |
| Pretax return on assets | 1.5906% | 1,735 |
| Return on Equity (ROE) | 7.0172% | 3,664 |
| Retained earnings to average equity (ytd only) | 6.3333% | 2,680 |
| Net charge-offs to loans | -0.0486% | 4,344 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1601% | 3,397 |
| Assets per employee ($millions) | 5.3584% | 3,342 |
| Cash dividends to net income (ytd only)* | 9.7466% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0943% | 540 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 51.2459% | 3,279 |
| Net loans and leases to deposits | 64.3849% | 2,809 |
| Net loans and leases to core deposits | 68.0705% | 2,768 |
| Total domestic deposits to total assets | 79.5931% | 4,285 |
| Equity capital to assets | 17.8612% | 280 |
| Core capital (leverage) ratio | 17.9215% | 264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $385,913,250 | 2,065 |
| Average earning assets | $347,418,500 | 2,111 |
| Average equity | $68,230,750 | 1,393 |
| Average total loans | $202,934,750 | 2,252 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3037% | 3,413 |
| Cost of funding earning assets | 0.2380% | 3,401 |
| Net interest margin | 3.0657% | 3,128 |
| Noninterest income to average assets | 0.9309% | 1,195 |
| Noninterest expense to average assets | 2.1392% | 3,271 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2130% | 2,139 |
| Return on assets (ROA) | 1.2130% | 2,218 |
| Pretax return on assets | 1.5540% | 1,862 |
| Return on Equity (ROE) | 6.8848% | 3,688 |
| Retained earnings to average equity (ytd only) | 5.8506% | 2,867 |
| Net charge-offs to loans | 0.0010% | 2,205 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 2,985.0000% | 26 |
| Efficiency ratio | 57.9222% | 3,294 |
| Assets per employee ($millions) | 5.3994% | 3,241 |
| Cash dividends to net income (ytd only)* | 15.0215% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0538% | 549 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 51.6823% | 3,373 |
| Net loans and leases to deposits | 64.8764% | 2,911 |
| Net loans and leases to core deposits | 68.6039% | 2,906 |
| Total domestic deposits to total assets | 79.6627% | 4,275 |
| Equity capital to assets | 17.6493% | 288 |
| Core capital (leverage) ratio | 17.6192% | 273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $384,164,000 | 2,061 |
| Average earning assets | $346,154,000 | 2,110 |
| Average equity | $67,685,667 | 1,395 |
| Average total loans | $202,332,333 | 2,267 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3434% | 3,357 |
| Cost of funding earning assets | 0.2669% | 3,307 |
| Net interest margin | 3.0765% | 3,069 |
| Noninterest income to average assets | 0.8977% | 1,333 |
| Noninterest expense to average assets | 2.1243% | 3,348 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2161% | 2,083 |
| Return on assets (ROA) | 1.2161% | 2,172 |
| Pretax return on assets | 1.5628% | 1,823 |
| Return on Equity (ROE) | 6.9085% | 3,627 |
| Retained earnings to average equity (ytd only) | 6.9085% | 2,602 |
| Net charge-offs to loans | 0.0040% | 1,777 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 746.0000% | 124 |
| Efficiency ratio | 57.6136% | 3,359 |
| Assets per employee ($millions) | 5.1253% | 3,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1059% | 494 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 50.2658% | 3,601 |
| Net loans and leases to deposits | 62.8196% | 3,241 |
| Net loans and leases to core deposits | 67.1178% | 3,148 |
| Total domestic deposits to total assets | 80.0162% | 4,202 |
| Equity capital to assets | 17.4032% | 282 |
| Core capital (leverage) ratio | 17.3755% | 291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $381,867,000 | 2,054 |
| Average earning assets | $346,236,500 | 2,100 |
| Average equity | $67,222,000 | 1,393 |
| Average total loans | $200,932,500 | 2,280 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8157% | 3,255 |
| Cost of funding earning assets | 0.4218% | 3,447 |
| Net interest margin | 3.3939% | 2,800 |
| Noninterest income to average assets | 1.1716% | 795 |
| Noninterest expense to average assets | 2.3185% | 3,357 |
| Loan and lease loss provision to assets | 0.4360% | 657 |
| Net operating income to assets | 1.2347% | 1,430 |
| Return on assets (ROA) | 1.2347% | 1,536 |
| Pretax return on assets | 1.5460% | 1,207 |
| Return on Equity (ROE) | 6.5474% | 3,389 |
| Retained earnings to average equity (ytd only) | 5.4685% | 2,062 |
| Net charge-offs to loans | -0.1084% | 4,825 |
| Credit loss provision to net charge-offs | -704.2254% | 3,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9132% | 4,222 |
| Assets per employee ($millions) | 4.5635% | 3,855 |
| Cash dividends to net income (ytd only)* | 16.4783% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0876% | 496 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 52.8157% | 3,597 |
| Net loans and leases to deposits | 66.2642% | 3,244 |
| Net loans and leases to core deposits | 70.9859% | 3,172 |
| Total domestic deposits to total assets | 79.7047% | 4,097 |
| Equity capital to assets | 17.8120% | 283 |
| Core capital (leverage) ratio | 18.4304% | 243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $344,057,400 | 2,082 |
| Average earning assets | $317,189,000 | 2,091 |
| Average equity | $64,881,200 | 1,373 |
| Average total loans | $196,548,400 | 2,269 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8405% | 3,440 |
| Cost of funding earning assets | 0.4635% | 3,453 |
| Net interest margin | 3.3770% | 2,985 |
| Noninterest income to average assets | 1.1272% | 825 |
| Noninterest expense to average assets | 2.3293% | 3,346 |
| Loan and lease loss provision to assets | 0.3961% | 898 |
| Net operating income to assets | 1.2191% | 1,580 |
| Return on assets (ROA) | 1.2191% | 1,703 |
| Pretax return on assets | 1.5254% | 1,391 |
| Return on Equity (ROE) | 6.3667% | 3,418 |
| Retained earnings to average equity (ytd only) | 5.6425% | 2,265 |
| Net charge-offs to loans | -0.0799% | 4,784 |
| Credit loss provision to net charge-offs | -854.7009% | 3,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7954% | 4,064 |
| Assets per employee ($millions) | 4.4964% | 3,852 |
| Cash dividends to net income (ytd only)* | 11.3747% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7685% | 778 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 57.3012% | 3,494 |
| Net loans and leases to deposits | 72.7075% | 3,070 |
| Net loans and leases to core deposits | 78.0738% | 3,002 |
| Total domestic deposits to total assets | 78.8106% | 4,085 |
| Equity capital to assets | 18.7741% | 249 |
| Core capital (leverage) ratio | 18.5554% | 250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $336,519,500 | 2,091 |
| Average earning assets | $311,270,500 | 2,096 |
| Average equity | $64,438,000 | 1,367 |
| Average total loans | $195,221,750 | 2,276 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9120% | 3,581 |
| Cost of funding earning assets | 0.5146% | 3,442 |
| Net interest margin | 3.3974% | 3,113 |
| Noninterest income to average assets | 1.0459% | 909 |
| Noninterest expense to average assets | 2.3907% | 3,279 |
| Loan and lease loss provision to assets | 0.2713% | 1,577 |
| Net operating income to assets | 1.2128% | 1,607 |
| Return on assets (ROA) | 1.2128% | 1,725 |
| Pretax return on assets | 1.5160% | 1,415 |
| Return on Equity (ROE) | 6.2905% | 3,407 |
| Retained earnings to average equity (ytd only) | 5.1962% | 2,388 |
| Net charge-offs to loans | 0.0115% | 2,549 |
| Credit loss provision to net charge-offs | 4,090.9091% | 274 |
| Earnings coverage of net charge-offs (x) | 269.5455% | 347 |
| Efficiency ratio | 57.2212% | 3,783 |
| Assets per employee ($millions) | 4.4812% | 3,810 |
| Cash dividends to net income (ytd only)* | 17.3956% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4704% | 1,353 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 57.0944% | 3,595 |
| Net loans and leases to deposits | 72.6193% | 3,200 |
| Net loans and leases to core deposits | 78.1450% | 3,091 |
| Total domestic deposits to total assets | 78.6215% | 4,091 |
| Equity capital to assets | 18.7733% | 247 |
| Core capital (leverage) ratio | 18.9773% | 246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $331,787,000 | 2,085 |
| Average earning assets | $305,880,333 | 2,100 |
| Average equity | $63,969,333 | 1,366 |
| Average total loans | $192,101,333 | 2,280 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0180% | 3,741 |
| Cost of funding earning assets | 0.5908% | 3,482 |
| Net interest margin | 3.4272% | 3,222 |
| Noninterest income to average assets | 0.8574% | 1,151 |
| Noninterest expense to average assets | 2.4198% | 3,497 |
| Loan and lease loss provision to assets | 0.1230% | 2,156 |
| Net operating income to assets | 1.1896% | 1,549 |
| Return on assets (ROA) | 1.1896% | 1,666 |
| Pretax return on assets | 1.4615% | 1,407 |
| Return on Equity (ROE) | 6.0851% | 3,288 |
| Retained earnings to average equity (ytd only) | 6.0851% | 1,838 |
| Net charge-offs to loans | 0.0404% | 1,633 |
| Credit loss provision to net charge-offs | 526.3158% | 854 |
| Earnings coverage of net charge-offs (x) | 67.7895% | 742 |
| Efficiency ratio | 60.4301% | 3,683 |
| Assets per employee ($millions) | 3.8935% | 4,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3745% | 1,795 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 57.3312% | 3,721 |
| Net loans and leases to deposits | 73.0435% | 3,350 |
| Net loans and leases to core deposits | 78.9295% | 3,291 |
| Total domestic deposits to total assets | 78.4891% | 4,136 |
| Equity capital to assets | 19.8282% | 254 |
| Core capital (leverage) ratio | 19.3027% | 263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $325,154,000 | 2,067 |
| Average earning assets | $298,556,000 | 2,090 |
| Average equity | $63,565,000 | 1,366 |
| Average total loans | $188,179,000 | 2,276 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0554% | 4,134 |
| Cost of funding earning assets | 0.5478% | 3,889 |
| Net interest margin | 3.5077% | 3,425 |
| Noninterest income to average assets | 0.8719% | 1,241 |
| Noninterest expense to average assets | 2.4891% | 3,481 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3092% | 1,653 |
| Return on assets (ROA) | 1.3092% | 1,733 |
| Pretax return on assets | 1.6200% | 1,428 |
| Return on Equity (ROE) | 6.6614% | 3,678 |
| Retained earnings to average equity (ytd only) | 4.7127% | 2,579 |
| Net charge-offs to loans | 0.1042% | 1,686 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 26.8571% | 1,685 |
| Efficiency ratio | 60.5748% | 3,610 |
| Assets per employee ($millions) | 3.9896% | 3,911 |
| Cash dividends to net income (ytd only)* | 29.2540% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3268% | 1,806 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 56.8561% | 3,859 |
| Net loans and leases to deposits | 71.7126% | 3,540 |
| Net loans and leases to core deposits | 77.3813% | 3,488 |
| Total domestic deposits to total assets | 79.2833% | 4,125 |
| Equity capital to assets | 19.2736% | 284 |
| Core capital (leverage) ratio | 20.0840% | 237 |
| Tier 1 risk-based capital ratio | 28.9602% | 518 |
| Total risk-based capital ratio | 30.1099% | 511 |
| Memoranda: | ||
| Average total assets | $313,324,600 | 2,085 |
| Average earning assets | $289,167,000 | 2,091 |
| Average equity | $61,578,600 | 1,357 |
| Average total loans | $181,313,000 | 2,304 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0431% | 4,275 |
| Cost of funding earning assets | 0.5420% | 3,976 |
| Net interest margin | 3.5011% | 3,561 |
| Noninterest income to average assets | 0.8507% | 1,273 |
| Noninterest expense to average assets | 2.4522% | 3,559 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3197% | 1,770 |
| Return on assets (ROA) | 1.3197% | 1,845 |
| Pretax return on assets | 1.6363% | 1,508 |
| Return on Equity (ROE) | 6.6807% | 3,820 |
| Retained earnings to average equity (ytd only) | 4.8292% | 2,969 |
| Net charge-offs to loans | 0.1270% | 1,246 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 22.2402% | 1,876 |
| Efficiency ratio | 59.9768% | 3,653 |
| Assets per employee ($millions) | 4.0323% | 3,856 |
| Cash dividends to net income (ytd only)* | 27.7145% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3341% | 1,825 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 59.9999% | 3,673 |
| Net loans and leases to deposits | 76.4520% | 3,256 |
| Net loans and leases to core deposits | 82.4874% | 3,213 |
| Total domestic deposits to total assets | 78.4806% | 4,270 |
| Equity capital to assets | 20.0910% | 254 |
| Core capital (leverage) ratio | 20.0828% | 246 |
| Tier 1 risk-based capital ratio | 29.0660% | 515 |
| Total risk-based capital ratio | 30.2410% | 507 |
| Memoranda: | ||
| Average total assets | $309,869,000 | 2,118 |
| Average earning assets | $286,571,750 | 2,121 |
| Average equity | $61,210,000 | 1,365 |
| Average total loans | $179,515,250 | 2,345 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9659% | 4,444 |
| Cost of funding earning assets | 0.5246% | 4,012 |
| Net interest margin | 3.4413% | 3,768 |
| Noninterest income to average assets | 0.8144% | 1,299 |
| Noninterest expense to average assets | 2.3936% | 3,750 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2930% | 1,804 |
| Return on assets (ROA) | 1.2930% | 1,861 |
| Pretax return on assets | 1.6024% | 1,540 |
| Return on Equity (ROE) | 6.5834% | 3,849 |
| Retained earnings to average equity (ytd only) | 3.7882% | 3,359 |
| Net charge-offs to loans | 0.0261% | 2,334 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 107.8696% | 659 |
| Efficiency ratio | 59.8998% | 3,741 |
| Assets per employee ($millions) | 3.8201% | 4,094 |
| Cash dividends to net income (ytd only)* | 42.4575% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4447% | 1,444 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 60.2862% | 3,707 |
| Net loans and leases to deposits | 77.1584% | 3,231 |
| Net loans and leases to core deposits | 83.6324% | 3,141 |
| Total domestic deposits to total assets | 78.1330% | 4,369 |
| Equity capital to assets | 20.3089% | 239 |
| Core capital (leverage) ratio | 20.1057% | 235 |
| Tier 1 risk-based capital ratio | 28.4548% | 545 |
| Total risk-based capital ratio | 29.6937% | 530 |
| Memoranda: | ||
| Average total assets | $309,663,000 | 2,120 |
| Average earning assets | $286,289,670 | 2,125 |
| Average equity | $60,820,000 | 1,364 |
| Average total loans | $176,416,670 | 2,390 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8631% | 4,615 |
| Cost of funding earning assets | 0.5331% | 3,903 |
| Net interest margin | 3.3299% | 4,092 |
| Noninterest income to average assets | 0.7156% | 1,560 |
| Noninterest expense to average assets | 2.2972% | 4,029 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2143% | 2,006 |
| Return on assets (ROA) | 1.2143% | 2,053 |
| Pretax return on assets | 1.4936% | 1,791 |
| Return on Equity (ROE) | 6.2853% | 3,929 |
| Retained earnings to average equity (ytd only) | 6.2853% | 2,326 |
| Net charge-offs to loans | -0.0070% | 4,109 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5989% | 3,734 |
| Assets per employee ($millions) | 4.0112% | 3,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5524% | 1,177 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 55.2943% | 4,112 |
| Net loans and leases to deposits | 70.6493% | 3,721 |
| Net loans and leases to core deposits | 76.4498% | 3,633 |
| Total domestic deposits to total assets | 78.2659% | 4,471 |
| Equity capital to assets | 19.7730% | 247 |
| Core capital (leverage) ratio | 19.2783% | 264 |
| Tier 1 risk-based capital ratio | 28.9659% | 511 |
| Total risk-based capital ratio | 30.2161% | 505 |
| Memoranda: | ||
| Average total assets | $313,602,500 | 2,106 |
| Average earning assets | $289,615,000 | 2,115 |
| Average equity | $60,585,500 | 1,363 |
| Average total loans | $172,324,500 | 2,455 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6405% | 4,754 |
| Cost of funding earning assets | 0.4127% | 3,910 |
| Net interest margin | 3.2277% | 4,433 |
| Noninterest income to average assets | 0.8075% | 1,421 |
| Noninterest expense to average assets | 2.3456% | 4,006 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2003% | 2,170 |
| Return on assets (ROA) | 1.2003% | 2,168 |
| Pretax return on assets | 1.4331% | 2,018 |
| Return on Equity (ROE) | 6.3525% | 4,049 |
| Retained earnings to average equity (ytd only) | 5.1597% | 2,686 |
| Net charge-offs to loans | -0.0449% | 4,941 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0740% | 3,509 |
| Assets per employee ($millions) | 4.0813% | 3,772 |
| Cash dividends to net income (ytd only)* | 18.7768% | 3,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5715% | 1,090 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 52.9250% | 4,357 |
| Net loans and leases to deposits | 66.7422% | 4,060 |
| Net loans and leases to core deposits | 71.6140% | 4,021 |
| Total domestic deposits to total assets | 79.2976% | 4,251 |
| Equity capital to assets | 18.8789% | 276 |
| Core capital (leverage) ratio | 19.5615% | 245 |
| Tier 1 risk-based capital ratio | 28.2781% | 549 |
| Total risk-based capital ratio | 29.5283% | 543 |
| Memoranda: | ||
| Average total assets | $310,583,400 | 2,087 |
| Average earning assets | $285,898,400 | 2,097 |
| Average equity | $58,685,600 | 1,345 |
| Average total loans | $173,758,200 | 2,399 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6124% | 4,780 |
| Cost of funding earning assets | 0.3988% | 3,868 |
| Net interest margin | 3.2137% | 4,484 |
| Noninterest income to average assets | 0.7962% | 1,485 |
| Noninterest expense to average assets | 2.2718% | 4,166 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2346% | 2,108 |
| Return on assets (ROA) | 1.2346% | 2,106 |
| Pretax return on assets | 1.4834% | 1,955 |
| Return on Equity (ROE) | 6.5326% | 4,098 |
| Retained earnings to average equity (ytd only) | 5.7326% | 2,802 |
| Net charge-offs to loans | -0.0719% | 5,063 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4970% | 3,743 |
| Assets per employee ($millions) | 3.9925% | 3,902 |
| Cash dividends to net income (ytd only)* | 12.2465% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5403% | 1,225 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 56.2659% | 4,194 |
| Net loans and leases to deposits | 71.2839% | 3,828 |
| Net loans and leases to core deposits | 76.5743% | 3,764 |
| Total domestic deposits to total assets | 78.9322% | 4,326 |
| Equity capital to assets | 19.3803% | 255 |
| Core capital (leverage) ratio | 19.3721% | 259 |
| Tier 1 risk-based capital ratio | 27.5999% | 592 |
| Total risk-based capital ratio | 28.8498% | 583 |
| Memoranda: | ||
| Average total assets | $308,643,000 | 2,111 |
| Average earning assets | $284,195,500 | 2,121 |
| Average equity | $58,332,000 | 1,356 |
| Average total loans | $174,404,250 | 2,397 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5377% | 4,863 |
| Cost of funding earning assets | 0.3798% | 3,873 |
| Net interest margin | 3.1578% | 4,597 |
| Noninterest income to average assets | 0.8051% | 1,461 |
| Noninterest expense to average assets | 2.1971% | 4,376 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2593% | 1,940 |
| Return on assets (ROA) | 1.2593% | 1,941 |
| Pretax return on assets | 1.5240% | 1,731 |
| Return on Equity (ROE) | 6.7201% | 3,984 |
| Retained earnings to average equity (ytd only) | 5.5114% | 2,816 |
| Net charge-offs to loans | -0.1345% | 5,246 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0435% | 4,079 |
| Assets per employee ($millions) | 4.0037% | 3,890 |
| Cash dividends to net income (ytd only)* | 17.9856% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5486% | 1,246 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 57.0195% | 4,082 |
| Net loans and leases to deposits | 72.2390% | 3,692 |
| Net loans and leases to core deposits | 77.4810% | 3,619 |
| Total domestic deposits to total assets | 78.9317% | 4,437 |
| Equity capital to assets | 19.2808% | 254 |
| Core capital (leverage) ratio | 19.2623% | 254 |
| Tier 1 risk-based capital ratio | 28.1129% | 551 |
| Total risk-based capital ratio | 29.3636% | 548 |
| Memoranda: | ||
| Average total assets | $309,048,670 | 2,125 |
| Average earning assets | $285,384,670 | 2,129 |
| Average equity | $57,916,000 | 1,362 |
| Average total loans | $173,978,330 | 2,407 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4540% | 4,945 |
| Cost of funding earning assets | 0.3547% | 3,950 |
| Net interest margin | 3.0993% | 4,707 |
| Noninterest income to average assets | 0.7372% | 1,671 |
| Noninterest expense to average assets | 2.1424% | 4,550 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2022% | 1,993 |
| Return on assets (ROA) | 1.2022% | 2,005 |
| Pretax return on assets | 1.4565% | 1,814 |
| Return on Equity (ROE) | 6.5068% | 3,980 |
| Retained earnings to average equity (ytd only) | 6.5068% | 2,495 |
| Net charge-offs to loans | -0.2661% | 5,430 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5289% | 4,126 |
| Assets per employee ($millions) | 4.1061% | 3,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5853% | 1,193 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 54.9701% | 4,212 |
| Net loans and leases to deposits | 69.4202% | 3,837 |
| Net loans and leases to core deposits | 74.2167% | 3,806 |
| Total domestic deposits to total assets | 79.1846% | 4,551 |
| Equity capital to assets | 18.8362% | 259 |
| Core capital (leverage) ratio | 18.4217% | 292 |
| Tier 1 risk-based capital ratio | 27.6414% | 578 |
| Total risk-based capital ratio | 28.8923% | 568 |
| Memoranda: | ||
| Average total assets | $311,432,000 | 2,136 |
| Average earning assets | $287,547,000 | 2,135 |
| Average equity | $57,540,000 | 1,378 |
| Average total loans | $172,853,000 | 2,439 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3842% | 4,962 |
| Cost of funding earning assets | 0.3206% | 3,948 |
| Net interest margin | 3.0636% | 4,764 |
| Noninterest income to average assets | 0.8116% | 1,525 |
| Noninterest expense to average assets | 2.4996% | 3,787 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6162% | 3,946 |
| Return on assets (ROA) | 0.6162% | 3,987 |
| Pretax return on assets | 1.1327% | 3,048 |
| Return on Equity (ROE) | 3.3472% | 4,731 |
| Retained earnings to average equity (ytd only) | 2.1153% | 4,050 |
| Net charge-offs to loans | -0.3401% | 5,576 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8163% | 2,741 |
| Assets per employee ($millions) | 4.2555% | 3,569 |
| Cash dividends to net income (ytd only)* | 36.8034% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5038% | 1,394 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 54.3280% | 4,333 |
| Net loans and leases to deposits | 67.8513% | 4,040 |
| Net loans and leases to core deposits | 72.5150% | 4,012 |
| Total domestic deposits to total assets | 80.0692% | 4,321 |
| Equity capital to assets | 18.1236% | 300 |
| Core capital (leverage) ratio | 18.6083% | 255 |
| Tier 1 risk-based capital ratio | 27.8541% | 551 |
| Total risk-based capital ratio | 29.1045% | 539 |
| Memoranda: | ||
| Average total assets | $308,654,200 | 2,125 |
| Average earning assets | $284,177,400 | 2,133 |
| Average equity | $56,822,800 | 1,381 |
| Average total loans | $169,956,400 | 2,419 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3841% | 4,983 |
| Cost of funding earning assets | 0.3198% | 3,934 |
| Net interest margin | 3.0643% | 4,792 |
| Noninterest income to average assets | 0.8167% | 1,524 |
| Noninterest expense to average assets | 2.3523% | 4,148 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9326% | 2,868 |
| Return on assets (ROA) | 0.9326% | 2,927 |
| Pretax return on assets | 1.2891% | 2,545 |
| Return on Equity (ROE) | 5.0456% | 4,516 |
| Retained earnings to average equity (ytd only) | 4.2235% | 3,386 |
| Net charge-offs to loans | -0.4591% | 5,647 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6000% | 3,435 |
| Assets per employee ($millions) | 4.0472% | 3,906 |
| Cash dividends to net income (ytd only)* | 16.2944% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5225% | 1,456 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 55.0101% | 4,320 |
| Net loans and leases to deposits | 69.1594% | 4,028 |
| Net loans and leases to core deposits | 75.1220% | 3,880 |
| Total domestic deposits to total assets | 79.5411% | 4,425 |
| Equity capital to assets | 18.7485% | 282 |
| Core capital (leverage) ratio | 18.7965% | 262 |
| Tier 1 risk-based capital ratio | 27.9002% | 576 |
| Total risk-based capital ratio | 29.1503% | 562 |
| Memoranda: | ||
| Average total assets | $307,091,750 | 2,143 |
| Average earning assets | $283,084,000 | 2,156 |
| Average equity | $56,760,500 | 1,395 |
| Average total loans | $169,022,250 | 2,448 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3421% | 5,038 |
| Cost of funding earning assets | 0.3147% | 3,933 |
| Net interest margin | 3.0274% | 4,849 |
| Noninterest income to average assets | 0.8295% | 1,472 |
| Noninterest expense to average assets | 2.3295% | 4,264 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9383% | 2,728 |
| Return on assets (ROA) | 0.9383% | 2,785 |
| Pretax return on assets | 1.2896% | 2,428 |
| Return on Equity (ROE) | 5.1011% | 4,436 |
| Retained earnings to average equity (ytd only) | 3.8613% | 3,396 |
| Net charge-offs to loans | -0.5914% | 5,704 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3680% | 3,613 |
| Assets per employee ($millions) | 4.1078% | 3,772 |
| Cash dividends to net income (ytd only)* | 24.3056% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4931% | 1,599 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 54.9319% | 4,320 |
| Net loans and leases to deposits | 69.1974% | 3,968 |
| Net loans and leases to core deposits | 75.1923% | 3,843 |
| Total domestic deposits to total assets | 79.3844% | 4,536 |
| Equity capital to assets | 18.7382% | 279 |
| Core capital (leverage) ratio | 18.8369% | 250 |
| Tier 1 risk-based capital ratio | 28.0121% | 549 |
| Total risk-based capital ratio | 29.2568% | 539 |
| Memoranda: | ||
| Average total assets | $306,926,670 | 2,152 |
| Average earning assets | $282,816,000 | 2,158 |
| Average equity | $56,458,000 | 1,404 |
| Average total loans | $168,089,670 | 2,464 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2624% | 5,160 |
| Cost of funding earning assets | 0.3137% | 3,912 |
| Net interest margin | 2.9487% | 4,997 |
| Noninterest income to average assets | 0.7406% | 1,778 |
| Noninterest expense to average assets | 2.3268% | 4,335 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8742% | 2,888 |
| Return on assets (ROA) | 0.8742% | 2,941 |
| Pretax return on assets | 1.1323% | 2,852 |
| Return on Equity (ROE) | 4.7966% | 4,482 |
| Retained earnings to average equity (ytd only) | 4.7966% | 3,013 |
| Net charge-offs to loans | -0.2557% | 5,664 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2666% | 3,306 |
| Assets per employee ($millions) | 4.0751% | 3,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2721% | 2,674 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 55.1029% | 4,245 |
| Net loans and leases to deposits | 69.5220% | 3,851 |
| Net loans and leases to core deposits | 75.8915% | 3,657 |
| Total domestic deposits to total assets | 79.2596% | 4,777 |
| Equity capital to assets | 18.7507% | 265 |
| Core capital (leverage) ratio | 18.0876% | 280 |
| Tier 1 risk-based capital ratio | 28.4587% | 531 |
| Total risk-based capital ratio | 29.5363% | 527 |
| Memoranda: | ||
| Average total assets | $308,401,000 | 2,159 |
| Average earning assets | $284,327,500 | 2,168 |
| Average equity | $56,207,000 | 1,397 |
| Average total loans | $167,378,500 | 2,482 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4381% | 4,908 |
| Cost of funding earning assets | 0.3093% | 3,964 |
| Net interest margin | 3.1288% | 4,647 |
| Noninterest income to average assets | 0.9394% | 1,295 |
| Noninterest expense to average assets | 2.4135% | 4,271 |
| Loan and lease loss provision to assets | -0.0562% | 5,606 |
| Net operating income to assets | 1.0255% | 2,239 |
| Return on assets (ROA) | 1.0255% | 2,342 |
| Pretax return on assets | 1.4605% | 1,710 |
| Return on Equity (ROE) | 5.6517% | 4,138 |
| Retained earnings to average equity (ytd only) | 4.3387% | 2,813 |
| Net charge-offs to loans | -0.0806% | 5,522 |
| Credit loss provision to net charge-offs | 125.9542% | 2,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2165% | 4,071 |
| Assets per employee ($millions) | 4.0416% | 3,891 |
| Cash dividends to net income (ytd only)* | 23.2327% | 3,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 2,993 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 52.1548% | 4,591 |
| Net loans and leases to deposits | 64.9319% | 4,338 |
| Net loans and leases to core deposits | 70.1089% | 4,237 |
| Total domestic deposits to total assets | 80.3224% | 4,502 |
| Equity capital to assets | 17.7227% | 322 |
| Core capital (leverage) ratio | 18.6587% | 243 |
| Tier 1 risk-based capital ratio | 27.4910% | 596 |
| Total risk-based capital ratio | 28.4919% | 594 |
| Memoranda: | ||
| Average total assets | $293,799,800 | 2,202 |
| Average earning assets | $270,291,600 | 2,208 |
| Average equity | $53,311,000 | 1,442 |
| Average total loans | $162,569,200 | 2,492 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4882% | 4,841 |
| Cost of funding earning assets | 0.3128% | 3,944 |
| Net interest margin | 3.1754% | 4,561 |
| Noninterest income to average assets | 0.9291% | 1,315 |
| Noninterest expense to average assets | 2.4592% | 4,113 |
| Loan and lease loss provision to assets | 0.0055% | 4,117 |
| Net operating income to assets | 0.9846% | 2,500 |
| Return on assets (ROA) | 0.9846% | 2,638 |
| Pretax return on assets | 1.3877% | 2,080 |
| Return on Equity (ROE) | 5.3918% | 4,352 |
| Retained earnings to average equity (ytd only) | 4.5058% | 3,131 |
| Net charge-offs to loans | 0.1658% | 1,380 |
| Credit loss provision to net charge-offs | 5.9701% | 3,387 |
| Earnings coverage of net charge-offs (x) | 14.9952% | 2,209 |
| Efficiency ratio | 63.8349% | 3,955 |
| Assets per employee ($millions) | 3.9010% | 4,128 |
| Cash dividends to net income (ytd only)* | 16.4321% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 3,777 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 57.2503% | 4,170 |
| Net loans and leases to deposits | 72.2954% | 3,776 |
| Net loans and leases to core deposits | 77.9341% | 3,669 |
| Total domestic deposits to total assets | 79.1895% | 4,675 |
| Equity capital to assets | 18.9139% | 272 |
| Core capital (leverage) ratio | 18.5348% | 258 |
| Tier 1 risk-based capital ratio | 28.1652% | 575 |
| Total risk-based capital ratio | 29.1216% | 577 |
| Memoranda: | ||
| Average total assets | $288,438,250 | 2,235 |
| Average earning assets | $265,535,750 | 2,255 |
| Average equity | $52,671,250 | 1,465 |
| Average total loans | $161,599,000 | 2,506 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4578% | 4,968 |
| Cost of funding earning assets | 0.3090% | 4,029 |
| Net interest margin | 3.1488% | 4,694 |
| Noninterest income to average assets | 0.8897% | 1,404 |
| Noninterest expense to average assets | 2.4099% | 4,306 |
| Loan and lease loss provision to assets | 0.0049% | 3,955 |
| Net operating income to assets | 0.9761% | 2,492 |
| Return on assets (ROA) | 0.9761% | 2,638 |
| Pretax return on assets | 1.3718% | 2,128 |
| Return on Equity (ROE) | 5.4111% | 4,326 |
| Retained earnings to average equity (ytd only) | 4.0593% | 3,323 |
| Net charge-offs to loans | 0.0151% | 3,230 |
| Credit loss provision to net charge-offs | 58.3333% | 2,598 |
| Earnings coverage of net charge-offs (x) | 164.6667% | 386 |
| Efficiency ratio | 63.6431% | 4,081 |
| Assets per employee ($millions) | 3.6999% | 4,438 |
| Cash dividends to net income (ytd only)* | 24.9822% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 3,081 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 55.8395% | 4,328 |
| Net loans and leases to deposits | 70.3528% | 3,951 |
| Net loans and leases to core deposits | 76.2306% | 3,800 |
| Total domestic deposits to total assets | 79.3707% | 4,703 |
| Equity capital to assets | 18.6823% | 280 |
| Core capital (leverage) ratio | 18.3001% | 270 |
| Tier 1 risk-based capital ratio | 27.8694% | 603 |
| Total risk-based capital ratio | 28.9223% | 600 |
| Memoranda: | ||
| Average total assets | $287,060,000 | 2,257 |
| Average earning assets | $264,102,330 | 2,270 |
| Average equity | $51,782,670 | 1,491 |
| Average total loans | $159,006,000 | 2,545 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3697% | 5,188 |
| Cost of funding earning assets | 0.2975% | 4,189 |
| Net interest margin | 3.0722% | 4,946 |
| Noninterest income to average assets | 0.8311% | 1,513 |
| Noninterest expense to average assets | 2.3189% | 4,610 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9450% | 2,534 |
| Return on assets (ROA) | 0.9450% | 2,645 |
| Pretax return on assets | 1.3444% | 2,113 |
| Return on Equity (ROE) | 5.3365% | 4,321 |
| Retained earnings to average equity (ytd only) | 5.3365% | 2,747 |
| Net charge-offs to loans | 0.0128% | 2,694 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 191.2000% | 316 |
| Efficiency ratio | 63.3013% | 4,261 |
| Assets per employee ($millions) | 3.9026% | 4,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2681% | 3,063 |
| Loan loss allowance to noncurrent loans | 1,375.3333% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 5,423 |
| Noncurrent loans to loans | 0.0922% | 5,105 |
| Net loans and leases to total assets | 53.4512% | 4,498 |
| Net loans and leases to deposits | 66.9603% | 4,161 |
| Net loans and leases to core deposits | 72.3468% | 4,043 |
| Total domestic deposits to total assets | 79.8252% | 4,782 |
| Equity capital to assets | 18.0457% | 322 |
| Core capital (leverage) ratio | 17.6080% | 323 |
| Tier 1 risk-based capital ratio | 27.8355% | 618 |
| Total risk-based capital ratio | 28.8944% | 621 |
| Memoranda: | ||
| Average total assets | $284,443,500 | 2,282 |
| Average earning assets | $262,223,000 | 2,285 |
| Average equity | $50,370,500 | 1,522 |
| Average total loans | $155,870,000 | 2,572 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6838% | 4,417 |
| Cost of funding earning assets | 0.3124% | 4,109 |
| Net interest margin | 3.3715% | 4,031 |
| Noninterest income to average assets | 0.9018% | 1,441 |
| Noninterest expense to average assets | 2.3986% | 4,519 |
| Loan and lease loss provision to assets | 0.0008% | 4,369 |
| Net operating income to assets | 1.1201% | 1,836 |
| Return on assets (ROA) | 1.1201% | 1,900 |
| Pretax return on assets | 1.5920% | 1,267 |
| Return on Equity (ROE) | 6.2571% | 3,921 |
| Retained earnings to average equity (ytd only) | 5.1543% | 2,312 |
| Net charge-offs to loans | 0.1945% | 1,496 |
| Credit loss provision to net charge-offs | 0.6920% | 3,892 |
| Earnings coverage of net charge-offs (x) | 13.9585% | 2,333 |
| Efficiency ratio | 60.0950% | 4,897 |
| Assets per employee ($millions) | 3.8896% | 4,136 |
| Cash dividends to net income (ytd only)* | 17.6243% | 3,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 3,040 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 54.8299% | 4,414 |
| Net loans and leases to deposits | 67.8964% | 4,136 |
| Net loans and leases to core deposits | 74.0852% | 3,931 |
| Total domestic deposits to total assets | 80.7551% | 4,553 |
| Equity capital to assets | 17.3308% | 376 |
| Core capital (leverage) ratio | 18.2953% | 275 |
| Tier 1 risk-based capital ratio | 31.1561% | 460 |
| Total risk-based capital ratio | 32.4061% | 454 |
| Memoranda: | ||
| Average total assets | $253,271,200 | 2,481 |
| Average earning assets | $232,094,400 | 2,492 |
| Average equity | $45,340,800 | 1,626 |
| Average total loans | $148,611,600 | 2,614 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7609% | 4,218 |
| Cost of funding earning assets | 0.3161% | 4,151 |
| Net interest margin | 3.4448% | 3,770 |
| Noninterest income to average assets | 0.8855% | 1,494 |
| Noninterest expense to average assets | 2.4882% | 4,230 |
| Loan and lease loss provision to assets | 0.0011% | 4,223 |
| Net operating income to assets | 1.0699% | 2,131 |
| Return on assets (ROA) | 1.0699% | 2,224 |
| Pretax return on assets | 1.5530% | 1,525 |
| Return on Equity (ROE) | 5.9254% | 4,189 |
| Retained earnings to average equity (ytd only) | 5.1855% | 2,789 |
| Net charge-offs to loans | -0.1374% | 5,897 |
| Credit loss provision to net charge-offs | -1.3072% | 4,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5547% | 4,639 |
| Assets per employee ($millions) | 3.6469% | 4,527 |
| Cash dividends to net income (ytd only)* | 12.4877% | 3,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5714% | 1,880 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 59.1540% | 3,989 |
| Net loans and leases to deposits | 74.4865% | 3,491 |
| Net loans and leases to core deposits | 80.5747% | 3,382 |
| Total domestic deposits to total assets | 79.4157% | 4,881 |
| Equity capital to assets | 18.5205% | 304 |
| Core capital (leverage) ratio | 18.4358% | 274 |
| Tier 1 risk-based capital ratio | 28.5756% | 589 |
| Total risk-based capital ratio | 29.8280% | 582 |
| Memoranda: | ||
| Average total assets | $249,493,250 | 2,535 |
| Average earning assets | $228,626,500 | 2,542 |
| Average equity | $45,047,750 | 1,652 |
| Average total loans | $148,501,000 | 2,624 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7561% | 4,219 |
| Cost of funding earning assets | 0.3171% | 4,198 |
| Net interest margin | 3.4390% | 3,756 |
| Noninterest income to average assets | 0.8384% | 1,639 |
| Noninterest expense to average assets | 2.4369% | 4,446 |
| Loan and lease loss provision to assets | 0.0016% | 4,055 |
| Net operating income to assets | 1.0664% | 2,073 |
| Return on assets (ROA) | 1.0664% | 2,179 |
| Pretax return on assets | 1.5496% | 1,488 |
| Return on Equity (ROE) | 5.9570% | 4,148 |
| Retained earnings to average equity (ytd only) | 4.8398% | 2,965 |
| Net charge-offs to loans | -0.1901% | 6,010 |
| Credit loss provision to net charge-offs | -1.4184% | 4,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1033% | 4,809 |
| Assets per employee ($millions) | 3.5768% | 4,665 |
| Cash dividends to net income (ytd only)* | 18.7547% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5612% | 2,045 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 60.4040% | 3,770 |
| Net loans and leases to deposits | 76.2303% | 3,245 |
| Net loans and leases to core deposits | 83.0220% | 3,078 |
| Total domestic deposits to total assets | 79.2389% | 5,039 |
| Equity capital to assets | 18.6067% | 287 |
| Core capital (leverage) ratio | 18.4932% | 264 |
| Tier 1 risk-based capital ratio | 28.4051% | 624 |
| Total risk-based capital ratio | 29.6579% | 614 |
| Memoranda: | ||
| Average total assets | $249,994,330 | 2,551 |
| Average earning assets | $228,959,330 | 2,549 |
| Average equity | $44,754,000 | 1,667 |
| Average total loans | $148,322,000 | 2,644 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7118% | 4,322 |
| Cost of funding earning assets | 0.3168% | 4,257 |
| Net interest margin | 3.3950% | 3,863 |
| Noninterest income to average assets | 0.8272% | 1,612 |
| Noninterest expense to average assets | 2.4327% | 4,504 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0277% | 2,140 |
| Return on assets (ROA) | 1.0277% | 2,280 |
| Pretax return on assets | 1.5076% | 1,546 |
| Return on Equity (ROE) | 5.8512% | 4,111 |
| Retained earnings to average equity (ytd only) | 5.8512% | 2,579 |
| Net charge-offs to loans | -0.3896% | 6,201 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7388% | 4,837 |
| Assets per employee ($millions) | 3.7524% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5800% | 2,122 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 58.6288% | 3,853 |
| Net loans and leases to deposits | 73.5501% | 3,366 |
| Net loans and leases to core deposits | 80.3839% | 3,118 |
| Total domestic deposits to total assets | 79.7127% | 5,120 |
| Equity capital to assets | 18.1008% | 326 |
| Core capital (leverage) ratio | 17.3200% | 333 |
| Tier 1 risk-based capital ratio | 28.3127% | 635 |
| Total risk-based capital ratio | 28.3127% | 690 |
| Memoranda: | ||
| Average total assets | $253,382,000 | 2,532 |
| Average earning assets | $232,341,500 | 2,532 |
| Average equity | $44,503,500 | 1,680 |
| Average total loans | $147,861,000 | 2,653 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7855% | 4,535 |
| Cost of funding earning assets | 0.3380% | 4,386 |
| Net interest margin | 3.4475% | 3,993 |
| Noninterest income to average assets | 0.9075% | 1,477 |
| Noninterest expense to average assets | 2.4053% | 4,830 |
| Loan and lease loss provision to assets | 0.0527% | 3,502 |
| Net operating income to assets | 1.1331% | 1,844 |
| Return on assets (ROA) | 1.1331% | 1,909 |
| Pretax return on assets | 1.6086% | 1,214 |
| Return on Equity (ROE) | 6.7094% | 3,785 |
| Retained earnings to average equity (ytd only) | 5.5458% | 2,230 |
| Net charge-offs to loans | 0.1196% | 2,845 |
| Credit loss provision to net charge-offs | 76.1364% | 2,945 |
| Earnings coverage of net charge-offs (x) | 24.0170% | 1,557 |
| Efficiency ratio | 59.1476% | 5,329 |
| Assets per employee ($millions) | 3.9862% | 3,986 |
| Cash dividends to net income (ytd only)* | 17.3430% | 3,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4758% | 2,584 |
| Loan loss allowance to noncurrent loans | 109,350.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 6,104 |
| Noncurrent loans to loans | 0.0013% | 5,934 |
| Net loans and leases to total assets | 56.3495% | 4,287 |
| Net loans and leases to deposits | 69.7477% | 3,950 |
| Net loans and leases to core deposits | 75.8613% | 3,724 |
| Total domestic deposits to total assets | 80.7905% | 4,800 |
| Equity capital to assets | 17.0506% | 409 |
| Core capital (leverage) ratio | 17.6627% | 311 |
| Tier 1 risk-based capital ratio | 27.6975% | 630 |
| Total risk-based capital ratio | 28.9495% | 621 |
| Memoranda: | ||
| Average total assets | $254,441,400 | 2,485 |
| Average earning assets | $233,152,000 | 2,487 |
| Average equity | $42,969,400 | 1,675 |
| Average total loans | $147,168,200 | 2,612 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8240% | 4,457 |
| Cost of funding earning assets | 0.3424% | 4,431 |
| Net interest margin | 3.4816% | 3,896 |
| Noninterest income to average assets | 0.8707% | 1,621 |
| Noninterest expense to average assets | 2.4668% | 4,629 |
| Loan and lease loss provision to assets | 0.0211% | 3,985 |
| Net operating income to assets | 1.0723% | 2,146 |
| Return on assets (ROA) | 1.0723% | 2,212 |
| Pretax return on assets | 1.5735% | 1,413 |
| Return on Equity (ROE) | 6.3654% | 4,046 |
| Retained earnings to average equity (ytd only) | 5.5842% | 2,682 |
| Net charge-offs to loans | 0.1071% | 2,730 |
| Credit loss provision to net charge-offs | 33.8983% | 3,391 |
| Earnings coverage of net charge-offs (x) | 25.6694% | 1,504 |
| Efficiency ratio | 60.7388% | 5,080 |
| Assets per employee ($millions) | 3.8515% | 4,190 |
| Cash dividends to net income (ytd only)* | 12.2731% | 3,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4855% | 2,799 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 57.8709% | 4,089 |
| Net loans and leases to deposits | 72.3146% | 3,654 |
| Net loans and leases to core deposits | 79.2324% | 3,407 |
| Total domestic deposits to total assets | 80.0265% | 5,091 |
| Equity capital to assets | 17.6842% | 360 |
| Core capital (leverage) ratio | 17.1371% | 358 |
| Tier 1 risk-based capital ratio | 27.9307% | 647 |
| Total risk-based capital ratio | 29.1824% | 632 |
| Memoranda: | ||
| Average total assets | $253,275,250 | 2,512 |
| Average earning assets | $232,108,750 | 2,518 |
| Average equity | $42,667,000 | 1,697 |
| Average total loans | $146,912,250 | 2,628 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8531% | 4,322 |
| Cost of funding earning assets | 0.3440% | 4,492 |
| Net interest margin | 3.5091% | 3,748 |
| Noninterest income to average assets | 0.8515% | 1,651 |
| Noninterest expense to average assets | 2.4529% | 4,725 |
| Loan and lease loss provision to assets | 0.0344% | 3,600 |
| Net operating income to assets | 1.0676% | 2,043 |
| Return on assets (ROA) | 1.0676% | 2,125 |
| Pretax return on assets | 1.5818% | 1,303 |
| Return on Equity (ROE) | 6.4402% | 3,917 |
| Retained earnings to average equity (ytd only) | 5.2598% | 2,790 |
| Net charge-offs to loans | 0.1463% | 2,214 |
| Credit loss provision to net charge-offs | 40.7407% | 2,913 |
| Earnings coverage of net charge-offs (x) | 19.1204% | 1,643 |
| Efficiency ratio | 60.2808% | 5,254 |
| Assets per employee ($millions) | 3.4902% | 4,871 |
| Cash dividends to net income (ytd only)* | 18.3284% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5057% | 2,873 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 56.3555% | 4,232 |
| Net loans and leases to deposits | 69.8102% | 3,846 |
| Net loans and leases to core deposits | 76.0117% | 3,628 |
| Total domestic deposits to total assets | 80.7267% | 5,059 |
| Equity capital to assets | 17.0747% | 405 |
| Core capital (leverage) ratio | 16.5353% | 410 |
| Tier 1 risk-based capital ratio | 27.4141% | 677 |
| Total risk-based capital ratio | 28.6657% | 663 |
| Memoranda: | ||
| Average total assets | $255,534,670 | 2,496 |
| Average earning assets | $234,305,330 | 2,497 |
| Average equity | $42,359,000 | 1,692 |
| Average total loans | $147,616,000 | 2,617 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0425% | 3,512 |
| Cost of funding earning assets | 0.3535% | 4,505 |
| Net interest margin | 3.6890% | 2,910 |
| Noninterest income to average assets | 0.7731% | 1,862 |
| Noninterest expense to average assets | 2.4855% | 4,666 |
| Loan and lease loss provision to assets | 0.0621% | 2,874 |
| Net operating income to assets | 0.9750% | 2,304 |
| Return on assets (ROA) | 0.9750% | 2,367 |
| Pretax return on assets | 1.6115% | 1,149 |
| Return on Equity (ROE) | 5.9689% | 4,043 |
| Retained earnings to average equity (ytd only) | 5.9689% | 2,564 |
| Net charge-offs to loans | -0.1739% | 6,344 |
| Credit loss provision to net charge-offs | -61.5385% | 4,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7611% | 5,431 |
| Assets per employee ($millions) | 3.6901% | 4,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5659% | 2,856 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 58.4710% | 3,768 |
| Net loans and leases to deposits | 72.4570% | 3,276 |
| Net loans and leases to core deposits | 78.4757% | 3,153 |
| Total domestic deposits to total assets | 80.6975% | 5,316 |
| Equity capital to assets | 16.9018% | 407 |
| Core capital (leverage) ratio | 16.0451% | 473 |
| Tier 1 risk-based capital ratio | 27.2212% | 698 |
| Total risk-based capital ratio | 28.4744% | 684 |
| Memoranda: | ||
| Average total assets | $257,654,000 | 2,480 |
| Average earning assets | $236,490,000 | 2,484 |
| Average equity | $42,084,500 | 1,698 |
| Average total loans | $149,532,000 | 2,592 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8399% | 4,660 |
| Cost of funding earning assets | 0.4022% | 4,625 |
| Net interest margin | 3.4377% | 4,139 |
| Noninterest income to average assets | 1.0059% | 1,384 |
| Noninterest expense to average assets | 2.4693% | 4,860 |
| Loan and lease loss provision to assets | 0.1597% | 2,285 |
| Net operating income to assets | 1.0459% | 2,132 |
| Return on assets (ROA) | 1.0459% | 2,203 |
| Pretax return on assets | 1.5333% | 1,343 |
| Return on Equity (ROE) | 6.5454% | 3,802 |
| Retained earnings to average equity (ytd only) | 5.3174% | 2,406 |
| Net charge-offs to loans | 0.0466% | 4,573 |
| Credit loss provision to net charge-offs | 589.8551% | 401 |
| Earnings coverage of net charge-offs (x) | 62.5217% | 664 |
| Efficiency ratio | 59.2872% | 5,561 |
| Assets per employee ($millions) | 3.8316% | 4,197 |
| Cash dividends to net income (ytd only)* | 18.7617% | 3,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4859% | 3,259 |
| Loan loss allowance to noncurrent loans | 1,663.4328% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 6,223 |
| Noncurrent loans to loans | 0.0893% | 5,947 |
| Net loans and leases to total assets | 55.8971% | 4,335 |
| Net loans and leases to deposits | 68.2555% | 4,014 |
| Net loans and leases to core deposits | 73.7973% | 3,861 |
| Total domestic deposits to total assets | 81.8940% | 4,911 |
| Equity capital to assets | 15.7946% | 560 |
| Core capital (leverage) ratio | 16.7118% | 397 |
| Tier 1 risk-based capital ratio | 26.3185% | 748 |
| Total risk-based capital ratio | 27.5408% | 726 |
| Memoranda: | ||
| Average total assets | $254,805,400 | 2,488 |
| Average earning assets | $233,967,000 | 2,481 |
| Average equity | $40,715,600 | 1,719 |
| Average total loans | $148,177,800 | 2,586 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8945% | 4,522 |
| Cost of funding earning assets | 0.4168% | 4,658 |
| Net interest margin | 3.4778% | 3,977 |
| Noninterest income to average assets | 1.0343% | 1,364 |
| Noninterest expense to average assets | 2.5482% | 4,564 |
| Loan and lease loss provision to assets | 0.1785% | 2,038 |
| Net operating income to assets | 0.9978% | 2,382 |
| Return on assets (ROA) | 0.9978% | 2,474 |
| Pretax return on assets | 1.5033% | 1,598 |
| Return on Equity (ROE) | 6.2257% | 4,061 |
| Retained earnings to average equity (ytd only) | 5.4018% | 2,798 |
| Net charge-offs to loans | 0.2888% | 2,092 |
| Credit loss provision to net charge-offs | 105.6250% | 2,213 |
| Earnings coverage of net charge-offs (x) | 9.9499% | 2,416 |
| Efficiency ratio | 60.1898% | 5,406 |
| Assets per employee ($millions) | 3.6388% | 4,582 |
| Cash dividends to net income (ytd only)* | 13.2347% | 3,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2755% | 4,516 |
| Loan loss allowance to noncurrent loans | 409.6567% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.1911% | 5,868 |
| Noncurrent loans to loans | 0.3114% | 5,448 |
| Net loans and leases to total assets | 60.6053% | 3,594 |
| Net loans and leases to deposits | 75.0837% | 3,080 |
| Net loans and leases to core deposits | 82.0747% | 2,866 |
| Total domestic deposits to total assets | 80.7169% | 5,299 |
| Equity capital to assets | 16.9344% | 428 |
| Core capital (leverage) ratio | 16.5041% | 432 |
| Tier 1 risk-based capital ratio | 26.7913% | 723 |
| Total risk-based capital ratio | 28.0306% | 711 |
| Memoranda: | ||
| Average total assets | $252,411,250 | 2,524 |
| Average earning assets | $231,942,750 | 2,516 |
| Average equity | $40,455,000 | 1,738 |
| Average total loans | $147,719,500 | 2,603 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8664% | 4,600 |
| Cost of funding earning assets | 0.4270% | 4,686 |
| Net interest margin | 3.4393% | 4,046 |
| Noninterest income to average assets | 1.0757% | 1,325 |
| Noninterest expense to average assets | 2.5329% | 4,614 |
| Loan and lease loss provision to assets | 0.1974% | 1,923 |
| Net operating income to assets | 1.0044% | 2,313 |
| Return on assets (ROA) | 1.0044% | 2,448 |
| Pretax return on assets | 1.5128% | 1,580 |
| Return on Equity (ROE) | 6.3816% | 3,944 |
| Retained earnings to average equity (ytd only) | 5.1371% | 2,966 |
| Net charge-offs to loans | -0.1754% | 6,630 |
| Credit loss provision to net charge-offs | -195.3488% | 5,727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6196% | 5,524 |
| Assets per employee ($millions) | 3.4130% | 5,031 |
| Cash dividends to net income (ytd only)* | 19.5008% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5592% | 3,319 |
| Loan loss allowance to noncurrent loans | 2,912.8205% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 6,432 |
| Noncurrent loans to loans | 0.0535% | 6,230 |
| Net loans and leases to total assets | 57.5727% | 4,052 |
| Net loans and leases to deposits | 70.8941% | 3,601 |
| Net loans and leases to core deposits | 76.9280% | 3,436 |
| Total domestic deposits to total assets | 81.2094% | 5,288 |
| Equity capital to assets | 16.3185% | 487 |
| Core capital (leverage) ratio | 16.3231% | 434 |
| Tier 1 risk-based capital ratio | 25.9889% | 770 |
| Total risk-based capital ratio | 27.2411% | 756 |
| Memoranda: | ||
| Average total assets | $255,282,000 | 2,505 |
| Average earning assets | $235,103,000 | 2,496 |
| Average equity | $40,178,000 | 1,749 |
| Average total loans | $147,071,330 | 2,618 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8216% | 4,752 |
| Cost of funding earning assets | 0.4537% | 4,550 |
| Net interest margin | 3.3678% | 4,242 |
| Noninterest income to average assets | 1.0637% | 1,316 |
| Noninterest expense to average assets | 2.5330% | 4,643 |
| Loan and lease loss provision to assets | 0.1951% | 1,897 |
| Net operating income to assets | 0.9599% | 2,403 |
| Return on assets (ROA) | 0.9599% | 2,533 |
| Pretax return on assets | 1.4384% | 1,744 |
| Return on Equity (ROE) | 6.2095% | 3,936 |
| Retained earnings to average equity (ytd only) | 6.2095% | 2,564 |
| Net charge-offs to loans | 0.8799% | 691 |
| Credit loss provision to net charge-offs | 38.7692% | 2,764 |
| Earnings coverage of net charge-offs (x) | 3.2462% | 2,811 |
| Efficiency ratio | 60.7209% | 5,487 |
| Assets per employee ($millions) | 3.6333% | 4,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1543% | 5,388 |
| Loan loss allowance to noncurrent loans | 428.3544% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 6,097 |
| Noncurrent loans to loans | 0.2695% | 5,733 |
| Net loans and leases to total assets | 57.7922% | 3,802 |
| Net loans and leases to deposits | 70.9758% | 3,329 |
| Net loans and leases to core deposits | 77.8977% | 3,078 |
| Total domestic deposits to total assets | 81.4252% | 5,388 |
| Equity capital to assets | 16.0542% | 556 |
| Core capital (leverage) ratio | 15.3937% | 525 |
| Tier 1 risk-based capital ratio | 25.4623% | 845 |
| Total risk-based capital ratio | 26.5327% | 843 |
| Memoranda: | ||
| Average total assets | $258,350,000 | 2,509 |
| Average earning assets | $238,018,500 | 2,490 |
| Average equity | $39,938,500 | 1,780 |
| Average total loans | $147,751,000 | 2,620 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3414% | 4,052 |
| Cost of funding earning assets | 0.6271% | 4,122 |
| Net interest margin | 3.7142% | 3,587 |
| Noninterest income to average assets | 1.3158% | 885 |
| Noninterest expense to average assets | 2.6344% | 4,625 |
| Loan and lease loss provision to assets | 0.2713% | 2,480 |
| Net operating income to assets | 1.2194% | 1,533 |
| Return on assets (ROA) | 1.2194% | 1,705 |
| Pretax return on assets | 1.8087% | 905 |
| Return on Equity (ROE) | 8.0161% | 3,070 |
| Retained earnings to average equity (ytd only) | 6.7127% | 1,711 |
| Net charge-offs to loans | 0.5126% | 2,193 |
| Credit loss provision to net charge-offs | 88.1443% | 3,547 |
| Earnings coverage of net charge-offs (x) | 6.7590% | 2,745 |
| Efficiency ratio | 55.8126% | 6,074 |
| Assets per employee ($millions) | 3.8000% | 4,365 |
| Cash dividends to net income (ytd only)* | 16.2602% | 3,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 4,783 |
| Loan loss allowance to noncurrent loans | 741.5686% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.0959% | 6,351 |
| Noncurrent loans to loans | 0.1712% | 6,053 |
| Net loans and leases to total assets | 55.2759% | 4,410 |
| Net loans and leases to deposits | 67.4168% | 4,061 |
| Net loans and leases to core deposits | 73.5851% | 3,834 |
| Total domestic deposits to total assets | 81.9914% | 5,101 |
| Equity capital to assets | 14.8981% | 767 |
| Core capital (leverage) ratio | 15.6470% | 491 |
| Tier 1 risk-based capital ratio | 24.3534% | 932 |
| Total risk-based capital ratio | 25.5154% | 920 |
| Memoranda: | ||
| Average total assets | $252,165,000 | 2,509 |
| Average earning assets | $230,733,600 | 2,497 |
| Average equity | $38,360,200 | 1,813 |
| Average total loans | $151,372,000 | 2,553 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4514% | 3,825 |
| Cost of funding earning assets | 0.6718% | 4,000 |
| Net interest margin | 3.7796% | 3,422 |
| Noninterest income to average assets | 1.2588% | 950 |
| Noninterest expense to average assets | 2.7003% | 4,365 |
| Loan and lease loss provision to assets | 0.2155% | 2,909 |
| Net operating income to assets | 1.1896% | 1,775 |
| Return on assets (ROA) | 1.1896% | 1,954 |
| Pretax return on assets | 1.7965% | 1,057 |
| Return on Equity (ROE) | 7.7770% | 3,378 |
| Retained earnings to average equity (ytd only) | 6.9008% | 2,180 |
| Net charge-offs to loans | 0.4483% | 2,316 |
| Credit loss provision to net charge-offs | 78.6693% | 3,661 |
| Earnings coverage of net charge-offs (x) | 7.3444% | 2,614 |
| Efficiency ratio | 57.2355% | 5,891 |
| Assets per employee ($millions) | 3.6816% | 4,583 |
| Cash dividends to net income (ytd only)* | 11.2665% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2439% | 5,076 |
| Loan loss allowance to noncurrent loans | 743.6508% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 6,470 |
| Noncurrent loans to loans | 0.1673% | 6,192 |
| Net loans and leases to total assets | 60.3182% | 3,712 |
| Net loans and leases to deposits | 74.6574% | 3,196 |
| Net loans and leases to core deposits | 82.1379% | 2,947 |
| Total domestic deposits to total assets | 80.7934% | 5,424 |
| Equity capital to assets | 15.8191% | 639 |
| Core capital (leverage) ratio | 15.4705% | 545 |
| Tier 1 risk-based capital ratio | 24.3528% | 976 |
| Total risk-based capital ratio | 25.5224% | 966 |
| Memoranda: | ||
| Average total assets | $248,706,250 | 2,567 |
| Average earning assets | $227,246,500 | 2,561 |
| Average equity | $38,043,000 | 1,846 |
| Average total loans | $151,983,750 | 2,580 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4948% | 3,792 |
| Cost of funding earning assets | 0.7012% | 4,004 |
| Net interest margin | 3.7935% | 3,387 |
| Noninterest income to average assets | 1.2262% | 950 |
| Noninterest expense to average assets | 2.6762% | 4,514 |
| Loan and lease loss provision to assets | 0.2021% | 3,057 |
| Net operating income to assets | 1.2126% | 1,672 |
| Return on assets (ROA) | 1.2126% | 1,866 |
| Pretax return on assets | 1.8101% | 1,023 |
| Return on Equity (ROE) | 8.0176% | 3,248 |
| Retained earnings to average equity (ytd only) | 6.6919% | 2,277 |
| Net charge-offs to loans | 0.4002% | 2,425 |
| Credit loss provision to net charge-offs | 82.6230% | 3,252 |
| Earnings coverage of net charge-offs (x) | 8.2262% | 2,335 |
| Efficiency ratio | 57.0476% | 5,991 |
| Assets per employee ($millions) | 3.5829% | 4,783 |
| Cash dividends to net income (ytd only)* | 16.5344% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 5,065 |
| Loan loss allowance to noncurrent loans | 923.4450% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.0833% | 6,602 |
| Noncurrent loans to loans | 0.1369% | 6,317 |
| Net loans and leases to total assets | 60.1096% | 3,799 |
| Net loans and leases to deposits | 74.6633% | 3,177 |
| Net loans and leases to core deposits | 82.0377% | 2,955 |
| Total domestic deposits to total assets | 80.5076% | 5,613 |
| Equity capital to assets | 15.2779% | 721 |
| Core capital (leverage) ratio | 15.2077% | 561 |
| Tier 1 risk-based capital ratio | 23.2971% | 1,097 |
| Total risk-based capital ratio | 24.4706% | 1,088 |
| Memoranda: | ||
| Average total assets | $249,385,000 | 2,554 |
| Average earning assets | $227,597,000 | 2,551 |
| Average equity | $37,717,000 | 1,854 |
| Average total loans | $152,424,670 | 2,575 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5350% | 3,777 |
| Cost of funding earning assets | 0.7388% | 3,958 |
| Net interest margin | 3.7962% | 3,411 |
| Noninterest income to average assets | 1.1469% | 1,076 |
| Noninterest expense to average assets | 2.6943% | 4,441 |
| Loan and lease loss provision to assets | 0.2027% | 2,919 |
| Net operating income to assets | 1.0986% | 2,089 |
| Return on assets (ROA) | 1.0986% | 2,282 |
| Pretax return on assets | 1.7131% | 1,271 |
| Return on Equity (ROE) | 7.3015% | 3,606 |
| Retained earnings to average equity (ytd only) | 7.3015% | 2,278 |
| Net charge-offs to loans | 0.3625% | 2,218 |
| Credit loss provision to net charge-offs | 91.3043% | 2,523 |
| Earnings coverage of net charge-offs (x) | 8.6304% | 1,937 |
| Efficiency ratio | 58.3740% | 5,865 |
| Assets per employee ($millions) | 3.6745% | 4,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2980% | 5,031 |
| Loan loss allowance to noncurrent loans | 4,479.5455% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 6,869 |
| Noncurrent loans to loans | 0.0290% | 6,698 |
| Net loans and leases to total assets | 59.9861% | 3,668 |
| Net loans and leases to deposits | 74.3018% | 3,081 |
| Net loans and leases to core deposits | 82.3293% | 2,779 |
| Total domestic deposits to total assets | 80.7330% | 5,668 |
| Equity capital to assets | 15.1119% | 730 |
| Core capital (leverage) ratio | 14.9004% | 614 |
| Tier 1 risk-based capital ratio | 22.9980% | 1,134 |
| Total risk-based capital ratio | 24.1992% | 1,123 |
| Memoranda: | ||
| Average total assets | $248,677,500 | 2,573 |
| Average earning assets | $226,860,000 | 2,574 |
| Average equity | $37,417,000 | 1,867 |
| Average total loans | $152,294,500 | 2,596 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1002% | 2,457 |
| Cost of funding earning assets | 0.9029% | 4,093 |
| Net interest margin | 4.1973% | 2,067 |
| Noninterest income to average assets | 1.0489% | 1,220 |
| Noninterest expense to average assets | 2.6902% | 4,778 |
| Loan and lease loss provision to assets | 0.3285% | 3,057 |
| Net operating income to assets | 1.2597% | 1,349 |
| Return on assets (ROA) | 1.2597% | 1,450 |
| Pretax return on assets | 1.8460% | 736 |
| Return on Equity (ROE) | 8.1641% | 2,822 |
| Retained earnings to average equity (ytd only) | 6.7671% | 1,611 |
| Net charge-offs to loans | 0.4988% | 2,998 |
| Credit loss provision to net charge-offs | 97.9434% | 3,668 |
| Earnings coverage of net charge-offs (x) | 6.4833% | 2,506 |
| Efficiency ratio | 55.2286% | 6,394 |
| Assets per employee ($millions) | 3.5868% | 4,804 |
| Cash dividends to net income (ytd only)* | 17.1116% | 3,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2983% | 4,912 |
| Loan loss allowance to noncurrent loans | 13,220.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 6,981 |
| Noncurrent loans to loans | 0.0098% | 6,831 |
| Net loans and leases to total assets | 60.9119% | 3,806 |
| Net loans and leases to deposits | 75.2823% | 3,299 |
| Net loans and leases to core deposits | 82.5035% | 3,107 |
| Total domestic deposits to total assets | 80.9113% | 5,474 |
| Equity capital to assets | 14.9803% | 790 |
| Core capital (leverage) ratio | 15.7430% | 494 |
| Tier 1 risk-based capital ratio | 22.3947% | 1,180 |
| Total risk-based capital ratio | 23.5933% | 1,164 |
| Memoranda: | ||
| Average total assets | $231,955,400 | 2,702 |
| Average earning assets | $210,873,000 | 2,720 |
| Average equity | $35,790,800 | 1,892 |
| Average total loans | $155,966,800 | 2,554 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2097% | 2,173 |
| Cost of funding earning assets | 0.9453% | 4,075 |
| Net interest margin | 4.2643% | 1,855 |
| Noninterest income to average assets | 0.9424% | 1,509 |
| Noninterest expense to average assets | 2.7102% | 4,684 |
| Loan and lease loss provision to assets | 0.3718% | 2,622 |
| Net operating income to assets | 1.1154% | 1,917 |
| Return on assets (ROA) | 1.1154% | 2,053 |
| Pretax return on assets | 1.7421% | 1,056 |
| Return on Equity (ROE) | 7.1721% | 3,442 |
| Retained earnings to average equity (ytd only) | 6.2324% | 2,413 |
| Net charge-offs to loans | 0.5885% | 2,493 |
| Credit loss provision to net charge-offs | 91.9075% | 3,710 |
| Earnings coverage of net charge-offs (x) | 5.2255% | 2,844 |
| Efficiency ratio | 56.1076% | 6,272 |
| Assets per employee ($millions) | 3.3795% | 5,300 |
| Cash dividends to net income (ytd only)* | 13.1029% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 5,257 |
| Loan loss allowance to noncurrent loans | 971.5000% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0870% | 6,840 |
| Noncurrent loans to loans | 0.1285% | 6,615 |
| Net loans and leases to total assets | 66.8895% | 2,694 |
| Net loans and leases to deposits | 83.8187% | 2,029 |
| Net loans and leases to core deposits | 92.4524% | 1,942 |
| Total domestic deposits to total assets | 79.8025% | 5,793 |
| Equity capital to assets | 15.7933% | 669 |
| Core capital (leverage) ratio | 15.6263% | 558 |
| Tier 1 risk-based capital ratio | 22.6073% | 1,202 |
| Total risk-based capital ratio | 23.8177% | 1,181 |
| Memoranda: | ||
| Average total assets | $228,071,250 | 2,750 |
| Average earning assets | $207,608,500 | 2,761 |
| Average equity | $35,469,750 | 1,903 |
| Average total loans | $156,774,750 | 2,567 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2372% | 2,111 |
| Cost of funding earning assets | 0.9737% | 4,134 |
| Net interest margin | 4.2634% | 1,792 |
| Noninterest income to average assets | 0.9117% | 1,612 |
| Noninterest expense to average assets | 2.6585% | 4,974 |
| Loan and lease loss provision to assets | 0.3613% | 2,624 |
| Net operating income to assets | 1.1332% | 1,781 |
| Return on assets (ROA) | 1.1332% | 1,856 |
| Pretax return on assets | 1.7759% | 922 |
| Return on Equity (ROE) | 7.3249% | 3,282 |
| Retained earnings to average equity (ytd only) | 5.9042% | 2,487 |
| Net charge-offs to loans | 0.3691% | 3,074 |
| Credit loss provision to net charge-offs | 141.7241% | 2,149 |
| Earnings coverage of net charge-offs (x) | 8.3828% | 2,070 |
| Efficiency ratio | 55.3621% | 6,476 |
| Assets per employee ($millions) | 3.1511% | 5,751 |
| Cash dividends to net income (ytd only)* | 19.3949% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 4,799 |
| Loan loss allowance to noncurrent loans | 972.4771% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 6,854 |
| Noncurrent loans to loans | 0.1395% | 6,626 |
| Net loans and leases to total assets | 67.9409% | 2,628 |
| Net loans and leases to deposits | 85.1286% | 1,926 |
| Net loans and leases to core deposits | 95.0222% | 1,791 |
| Total domestic deposits to total assets | 79.8097% | 5,881 |
| Equity capital to assets | 15.7237% | 654 |
| Core capital (leverage) ratio | 15.6956% | 542 |
| Tier 1 risk-based capital ratio | 22.2785% | 1,217 |
| Total risk-based capital ratio | 23.5351% | 1,187 |
| Memoranda: | ||
| Average total assets | $227,493,000 | 2,774 |
| Average earning assets | $207,250,000 | 2,789 |
| Average equity | $35,195,000 | 1,904 |
| Average total loans | $157,146,670 | 2,577 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1690% | 2,360 |
| Cost of funding earning assets | 1.0118% | 4,116 |
| Net interest margin | 4.1571% | 2,051 |
| Noninterest income to average assets | 0.8692% | 1,774 |
| Noninterest expense to average assets | 2.7094% | 4,797 |
| Loan and lease loss provision to assets | 0.1844% | 3,769 |
| Net operating income to assets | 1.1308% | 1,737 |
| Return on assets (ROA) | 1.1308% | 1,781 |
| Pretax return on assets | 1.7630% | 876 |
| Return on Equity (ROE) | 7.3694% | 3,213 |
| Retained earnings to average equity (ytd only) | 7.3694% | 1,997 |
| Net charge-offs to loans | -0.0203% | 6,576 |
| Credit loss provision to net charge-offs | -1,312.5000% | 6,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1071% | 6,256 |
| Assets per employee ($millions) | 3.2089% | 5,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3532% | 4,886 |
| Loan loss allowance to noncurrent loans | 1,088.6598% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0864% | 6,949 |
| Noncurrent loans to loans | 0.1243% | 6,738 |
| Net loans and leases to total assets | 68.5396% | 2,442 |
| Net loans and leases to deposits | 86.1153% | 1,711 |
| Net loans and leases to core deposits | 96.5999% | 1,630 |
| Total domestic deposits to total assets | 79.5904% | 6,040 |
| Equity capital to assets | 15.7031% | 627 |
| Core capital (leverage) ratio | 15.1992% | 626 |
| Tier 1 risk-based capital ratio | 22.1949% | 1,199 |
| Total risk-based capital ratio | 23.4515% | 1,171 |
| Memoranda: | ||
| Average total assets | $227,799,000 | 2,793 |
| Average earning assets | $207,546,500 | 2,811 |
| Average equity | $34,955,500 | 1,900 |
| Average total loans | $157,587,500 | 2,599 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6696% | 1,681 |
| Cost of funding earning assets | 1.2071% | 4,518 |
| Net interest margin | 4.4624% | 1,316 |
| Noninterest income to average assets | 1.2638% | 926 |
| Noninterest expense to average assets | 2.8905% | 4,270 |
| Loan and lease loss provision to assets | 0.4153% | 3,617 |
| Net operating income to assets | 1.3767% | 994 |
| Return on assets (ROA) | 1.3767% | 1,063 |
| Pretax return on assets | 1.9990% | 477 |
| Return on Equity (ROE) | 9.2408% | 2,202 |
| Retained earnings to average equity (ytd only) | 7.7372% | 1,064 |
| Net charge-offs to loans | 0.4197% | 3,942 |
| Credit loss provision to net charge-offs | 136.3235% | 2,822 |
| Earnings coverage of net charge-offs (x) | 7.9250% | 2,040 |
| Efficiency ratio | 54.4211% | 6,764 |
| Assets per employee ($millions) | 3.2996% | 5,429 |
| Cash dividends to net income (ytd only)* | 16.2707% | 3,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 5,220 |
| Loan loss allowance to noncurrent loans | 39,980.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 7,272 |
| Noncurrent loans to loans | 0.0031% | 7,165 |
| Net loans and leases to total assets | 68.0196% | 2,976 |
| Net loans and leases to deposits | 84.4884% | 2,374 |
| Net loans and leases to core deposits | 93.1545% | 2,365 |
| Total domestic deposits to total assets | 80.5077% | 5,684 |
| Equity capital to assets | 14.9966% | 788 |
| Core capital (leverage) ratio | 15.4905% | 585 |
| Tier 1 risk-based capital ratio | 21.5993% | 1,232 |
| Total risk-based capital ratio | 22.8459% | 1,209 |
| Memoranda: | ||
| Average total assets | $223,215,600 | 2,826 |
| Average earning assets | $202,131,400 | 2,848 |
| Average equity | $33,254,800 | 1,987 |
| Average total loans | $162,004,600 | 2,591 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7499% | 1,551 |
| Cost of funding earning assets | 1.2541% | 4,545 |
| Net interest margin | 4.4958% | 1,266 |
| Noninterest income to average assets | 1.1696% | 1,019 |
| Noninterest expense to average assets | 2.9664% | 3,866 |
| Loan and lease loss provision to assets | 0.3682% | 3,694 |
| Net operating income to assets | 1.1822% | 1,644 |
| Return on assets (ROA) | 1.1822% | 1,734 |
| Pretax return on assets | 1.9047% | 762 |
| Return on Equity (ROE) | 7.9490% | 2,930 |
| Retained earnings to average equity (ytd only) | 6.9361% | 1,890 |
| Net charge-offs to loans | -0.1098% | 7,567 |
| Credit loss provision to net charge-offs | -455.9701% | 7,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5497% | 6,481 |
| Assets per employee ($millions) | 3.1650% | 5,762 |
| Cash dividends to net income (ytd only)* | 12.7423% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5102% | 3,915 |
| Loan loss allowance to noncurrent loans | 519.1268% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.2171% | 6,819 |
| Noncurrent loans to loans | 0.2909% | 6,606 |
| Net loans and leases to total assets | 73.5051% | 1,910 |
| Net loans and leases to deposits | 91.8416% | 1,467 |
| Net loans and leases to core deposits | 101.9795% | 1,657 |
| Total domestic deposits to total assets | 80.0346% | 5,700 |
| Equity capital to assets | 15.2427% | 835 |
| Core capital (leverage) ratio | 15.1162% | 694 |
| Tier 1 risk-based capital ratio | 20.3680% | 1,472 |
| Total risk-based capital ratio | 21.6214% | 1,450 |
| Memoranda: | ||
| Average total assets | $221,276,250 | 2,894 |
| Average earning assets | $200,301,000 | 2,915 |
| Average equity | $32,909,000 | 2,025 |
| Average total loans | $162,729,250 | 2,619 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7354% | 1,614 |
| Cost of funding earning assets | 1.2845% | 4,624 |
| Net interest margin | 4.4509% | 1,315 |
| Noninterest income to average assets | 0.9937% | 1,396 |
| Noninterest expense to average assets | 2.8411% | 4,310 |
| Loan and lease loss provision to assets | 0.3364% | 3,716 |
| Net operating income to assets | 1.1628% | 1,666 |
| Return on assets (ROA) | 1.1628% | 1,724 |
| Pretax return on assets | 1.8455% | 818 |
| Return on Equity (ROE) | 7.8842% | 2,924 |
| Retained earnings to average equity (ytd only) | 6.3515% | 2,143 |
| Net charge-offs to loans | -0.2496% | 7,670 |
| Credit loss provision to net charge-offs | -184.1584% | 6,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4896% | 6,576 |
| Assets per employee ($millions) | 3.0177% | 6,112 |
| Cash dividends to net income (ytd only)* | 19.4401% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4250% | 4,311 |
| Loan loss allowance to noncurrent loans | 425.2285% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.2483% | 6,780 |
| Noncurrent loans to loans | 0.3351% | 6,559 |
| Net loans and leases to total assets | 73.0413% | 2,156 |
| Net loans and leases to deposits | 91.1383% | 1,673 |
| Net loans and leases to core deposits | 99.9882% | 2,014 |
| Total domestic deposits to total assets | 80.1434% | 5,689 |
| Equity capital to assets | 15.0280% | 876 |
| Core capital (leverage) ratio | 15.1281% | 700 |
| Tier 1 risk-based capital ratio | 20.0424% | 1,511 |
| Total risk-based capital ratio | 21.3003% | 1,475 |
| Memoranda: | ||
| Average total assets | $221,185,670 | 2,922 |
| Average earning assets | $200,229,670 | 2,948 |
| Average equity | $32,622,000 | 2,029 |
| Average total loans | $161,857,000 | 2,666 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4680% | 2,741 |
| Cost of funding earning assets | 1.3331% | 4,607 |
| Net interest margin | 4.1349% | 2,299 |
| Noninterest income to average assets | 0.9710% | 1,387 |
| Noninterest expense to average assets | 2.8371% | 4,334 |
| Loan and lease loss provision to assets | 0.1516% | 5,026 |
| Net operating income to assets | 1.1135% | 1,789 |
| Return on assets (ROA) | 1.1135% | 1,872 |
| Pretax return on assets | 1.7218% | 1,018 |
| Return on Equity (ROE) | 7.6219% | 3,060 |
| Retained earnings to average equity (ytd only) | 7.6219% | 1,870 |
| Net charge-offs to loans | -0.8264% | 7,840 |
| Credit loss provision to net charge-offs | -25.2252% | 5,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1533% | 6,143 |
| Assets per employee ($millions) | 3.0158% | 6,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3540% | 4,657 |
| Loan loss allowance to noncurrent loans | 302.0891% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.3307% | 6,655 |
| Noncurrent loans to loans | 0.4482% | 6,404 |
| Net loans and leases to total assets | 72.7770% | 2,271 |
| Net loans and leases to deposits | 91.1896% | 1,731 |
| Net loans and leases to core deposits | 101.9167% | 1,918 |
| Total domestic deposits to total assets | 79.8084% | 5,851 |
| Equity capital to assets | 15.0543% | 870 |
| Core capital (leverage) ratio | 14.6196% | 825 |
| Tier 1 risk-based capital ratio | 20.0895% | 1,506 |
| Total risk-based capital ratio | 21.3462% | 1,475 |
| Memoranda: | ||
| Average total assets | $221,634,000 | 2,971 |
| Average earning assets | $200,439,500 | 2,992 |
| Average equity | $32,380,500 | 2,074 |
| Average total loans | $161,171,500 | 2,745 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1119% | 1,484 |
| Cost of funding earning assets | 1.7702% | 4,148 |
| Net interest margin | 4.3417% | 1,598 |
| Noninterest income to average assets | 1.3285% | 846 |
| Noninterest expense to average assets | 3.0072% | 4,115 |
| Loan and lease loss provision to assets | 0.5219% | 3,762 |
| Net operating income to assets | 1.1489% | 1,389 |
| Return on assets (ROA) | 1.1489% | 1,411 |
| Pretax return on assets | 1.7134% | 755 |
| Return on Equity (ROE) | 7.8756% | 2,421 |
| Retained earnings to average equity (ytd only) | 3.9108% | 2,476 |
| Net charge-offs to loans | 0.6599% | 3,207 |
| Credit loss provision to net charge-offs | 104.5412% | 5,289 |
| Earnings coverage of net charge-offs (x) | 4.4773% | 2,937 |
| Efficiency ratio | 57.2904% | 6,865 |
| Assets per employee ($millions) | 3.1407% | 5,889 |
| Cash dividends to net income (ytd only)* | 50.3423% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 5,994 |
| Loan loss allowance to noncurrent loans | 186.9797% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.4144% | 6,424 |
| Noncurrent loans to loans | 0.5779% | 6,087 |
| Net loans and leases to total assets | 70.9306% | 3,027 |
| Net loans and leases to deposits | 87.4001% | 2,661 |
| Net loans and leases to core deposits | 116.0728% | 2,311 |
| Total domestic deposits to total assets | 81.1562% | 5,290 |
| Equity capital to assets | 14.1831% | 1,112 |
| Core capital (leverage) ratio | 14.6760% | 844 |
| Tier 1 risk-based capital ratio | 19.2261% | 1,606 |
| Total risk-based capital ratio | 20.2768% | 1,614 |
| Memoranda: | ||
| Average total assets | $216,114,400 | 3,001 |
| Average earning assets | $194,833,200 | 3,038 |
| Average equity | $31,527,800 | 2,124 |
| Average total loans | $163,513,600 | 2,711 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2031% | 1,373 |
| Cost of funding earning assets | 1.8535% | 4,130 |
| Net interest margin | 4.3496% | 1,587 |
| Noninterest income to average assets | 1.4156% | 751 |
| Noninterest expense to average assets | 3.2557% | 3,100 |
| Loan and lease loss provision to assets | 0.3190% | 4,436 |
| Net operating income to assets | 1.1060% | 1,715 |
| Return on assets (ROA) | 1.1060% | 1,773 |
| Pretax return on assets | 1.7620% | 867 |
| Return on Equity (ROE) | 7.5262% | 2,854 |
| Retained earnings to average equity (ytd only) | 3.2789% | 3,476 |
| Net charge-offs to loans | 0.4565% | 3,405 |
| Credit loss provision to net charge-offs | 91.0873% | 5,450 |
| Earnings coverage of net charge-offs (x) | 5.9430% | 2,701 |
| Efficiency ratio | 60.9357% | 6,290 |
| Assets per employee ($millions) | 3.0192% | 6,111 |
| Cash dividends to net income (ytd only)* | 56.4334% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0079% | 6,243 |
| Loan loss allowance to noncurrent loans | 103.7665% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.7431% | 5,646 |
| Noncurrent loans to loans | 0.9713% | 5,356 |
| Net loans and leases to total assets | 75.7389% | 2,049 |
| Net loans and leases to deposits | 95.5451% | 1,642 |
| Net loans and leases to core deposits | 132.8386% | 1,279 |
| Total domestic deposits to total assets | 79.2704% | 5,701 |
| Equity capital to assets | 14.7495% | 1,077 |
| Core capital (leverage) ratio | 13.8106% | 1,139 |
| Tier 1 risk-based capital ratio | 19.0346% | 1,741 |
| Total risk-based capital ratio | 20.0304% | 1,758 |
| Memoranda: | ||
| Average total assets | $213,611,000 | 3,044 |
| Average earning assets | $192,564,000 | 3,085 |
| Average equity | $31,391,750 | 2,151 |
| Average total loans | $163,855,500 | 2,730 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9909% | 2,221 |
| Cost of funding earning assets | 1.8977% | 4,274 |
| Net interest margin | 4.0932% | 2,343 |
| Noninterest income to average assets | 1.6245% | 563 |
| Noninterest expense to average assets | 3.4036% | 2,616 |
| Loan and lease loss provision to assets | 0.0947% | 6,218 |
| Net operating income to assets | 1.1136% | 1,726 |
| Return on assets (ROA) | 1.1136% | 1,805 |
| Pretax return on assets | 1.8101% | 835 |
| Return on Equity (ROE) | 7.5870% | 2,925 |
| Retained earnings to average equity (ytd only) | 1.2006% | 4,676 |
| Net charge-offs to loans | 0.0708% | 5,516 |
| Credit loss provision to net charge-offs | 174.1379% | 2,638 |
| Earnings coverage of net charge-offs (x) | 35.0345% | 897 |
| Efficiency ratio | 64.0473% | 5,904 |
| Assets per employee ($millions) | 2.8742% | 6,463 |
| Cash dividends to net income (ytd only)* | 84.1751% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0570% | 5,860 |
| Loan loss allowance to noncurrent loans | 101.2174% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.8110% | 5,365 |
| Noncurrent loans to loans | 1.0443% | 5,128 |
| Net loans and leases to total assets | 76.8431% | 1,979 |
| Net loans and leases to deposits | 97.6957% | 1,568 |
| Net loans and leases to core deposits | 133.7020% | 1,330 |
| Total domestic deposits to total assets | 78.6556% | 5,912 |
| Equity capital to assets | 14.5896% | 1,146 |
| Core capital (leverage) ratio | 14.6787% | 981 |
| Tier 1 risk-based capital ratio | 18.5815% | 1,863 |
| Total risk-based capital ratio | 19.6276% | 1,861 |
| Memoranda: | ||
| Average total assets | $213,361,330 | 3,068 |
| Average earning assets | $192,025,670 | 3,118 |
| Average equity | $31,316,670 | 2,161 |
| Average total loans | $163,805,000 | 2,757 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0464% | 2,169 |
| Cost of funding earning assets | 1.9475% | 4,390 |
| Net interest margin | 4.0989% | 2,272 |
| Noninterest income to average assets | 1.5031% | 628 |
| Noninterest expense to average assets | 3.3412% | 2,531 |
| Loan and lease loss provision to assets | 0.0973% | 5,712 |
| Net operating income to assets | 1.1306% | 1,865 |
| Return on assets (ROA) | 1.1306% | 1,988 |
| Pretax return on assets | 1.7520% | 1,074 |
| Return on Equity (ROE) | 7.6797% | 3,297 |
| Retained earnings to average equity (ytd only) | 7.6797% | 1,942 |
| Net charge-offs to loans | 0.0392% | 4,949 |
| Credit loss provision to net charge-offs | 325.0000% | 1,525 |
| Earnings coverage of net charge-offs (x) | 61.7500% | 636 |
| Efficiency ratio | 64.2986% | 5,635 |
| Assets per employee ($millions) | 2.8376% | 6,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0592% | 5,755 |
| Loan loss allowance to noncurrent loans | 161.7674% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.5119% | 5,934 |
| Noncurrent loans to loans | 0.6548% | 5,773 |
| Net loans and leases to total assets | 77.3585% | 1,960 |
| Net loans and leases to deposits | 97.8083% | 1,691 |
| Net loans and leases to core deposits | 133.1456% | 1,469 |
| Total domestic deposits to total assets | 79.0920% | 5,685 |
| Equity capital to assets | 14.9760% | 1,110 |
| Core capital (leverage) ratio | 14.4533% | 1,096 |
| Tier 1 risk-based capital ratio | 18.8448% | 1,849 |
| Total risk-based capital ratio | 19.8875% | 1,846 |
| Memoranda: | ||
| Average total assets | $213,695,500 | 3,072 |
| Average earning assets | $192,246,500 | 3,125 |
| Average equity | $31,459,500 | 2,156 |
| Average total loans | $163,114,500 | 2,799 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5308% | 2,803 |
| Cost of funding earning assets | 2.4507% | 4,470 |
| Net interest margin | 4.0801% | 2,793 |
| Noninterest income to average assets | 1.0330% | 1,476 |
| Noninterest expense to average assets | 2.9820% | 4,149 |
| Loan and lease loss provision to assets | 0.4727% | 2,939 |
| Net operating income to assets | 1.1469% | 1,961 |
| Return on assets (ROA) | 1.1469% | 1,882 |
| Pretax return on assets | 1.2326% | 2,538 |
| Return on Equity (ROE) | 7.9954% | 3,078 |
| Retained earnings to average equity (ytd only) | 6.3624% | 1,377 |
| Net charge-offs to loans | 0.9308% | 1,327 |
| Credit loss provision to net charge-offs | 68.0837% | 6,105 |
| Earnings coverage of net charge-offs (x) | 2.4561% | 4,852 |
| Efficiency ratio | 63.5382% | 5,661 |
| Assets per employee ($millions) | 2.9380% | 6,202 |
| Cash dividends to net income (ytd only)* | 20.4248% | 4,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0509% | 5,619 |
| Loan loss allowance to noncurrent loans | 150.1764% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.5216% | 5,615 |
| Noncurrent loans to loans | 0.6998% | 5,281 |
| Net loans and leases to total assets | 73.7541% | 3,169 |
| Net loans and leases to deposits | 92.6433% | 3,023 |
| Net loans and leases to core deposits | 123.0842% | 2,390 |
| Total domestic deposits to total assets | 79.6108% | 5,162 |
| Equity capital to assets | 14.4759% | 1,302 |
| Core capital (leverage) ratio | 14.6658% | 1,101 |
| Tier 1 risk-based capital ratio | 18.9251% | 1,829 |
| Total risk-based capital ratio | 19.9496% | 1,821 |
| Memoranda: | ||
| Average total assets | $213,449,000 | 2,959 |
| Average earning assets | $191,171,000 | 3,023 |
| Average equity | $30,617,600 | 2,206 |
| Average total loans | $159,220,400 | 2,781 |