Home > First Enterprise Bank > Performance and Condition Ratios
First Enterprise Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7842% | 264 |
| Cost of funding earning assets | 0.9813% | 3,336 |
| Net interest margin | 5.8029% | 132 |
| Noninterest income to average assets | 1.0600% | 582 |
| Noninterest expense to average assets | 4.3725% | 293 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.9978% | 467 |
| Return on assets (ROA) | 1.9978% | 451 |
| Pretax return on assets | 2.0697% | 609 |
| Return on Equity (ROE) | 16.4000% | 1,039 |
| Retained earnings to average equity (ytd only) | 7.7979% | 1,600 |
| Net charge-offs to loans | 0.1384% | 726 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 18.9710% | 1,917 |
| Efficiency ratio | 67.6497% | 2,147 |
| Assets per employee ($millions) | 3.0744% | 4,375 |
| Cash dividends to net income (ytd only)* | 52.4520% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9761% | 3,433 |
| Loan loss allowance to noncurrent loans | 643.2000% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.1291% | 2,676 |
| Noncurrent loans to loans | 0.1518% | 2,756 |
| Net loans and leases to total assets | 84.2200% | 257 |
| Net loans and leases to deposits | 96.3236% | 759 |
| Net loans and leases to core deposits | 123.3202% | 540 |
| Total domestic deposits to total assets | 87.4400% | 1,541 |
| Equity capital to assets | 12.2741% | 1,043 |
| Core capital (leverage) ratio | 12.0147% | 1,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $187,808,400 | 3,069 |
| Average earning assets | $174,876,600 | 3,052 |
| Average equity | $22,878,000 | 2,638 |
| Average total loans | $149,525,000 | 2,682 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4503% | 322 |
| Cost of funding earning assets | 0.8007% | 3,513 |
| Net interest margin | 5.6496% | 155 |
| Noninterest income to average assets | 1.0500% | 596 |
| Noninterest expense to average assets | 4.2917% | 306 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.9620% | 528 |
| Return on assets (ROA) | 1.9620% | 519 |
| Pretax return on assets | 2.0342% | 724 |
| Return on Equity (ROE) | 16.1400% | 1,230 |
| Retained earnings to average equity (ytd only) | 7.9159% | 2,003 |
| Net charge-offs to loans | -0.0027% | 3,630 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.8430% | 2,035 |
| Assets per employee ($millions) | 3.0991% | 4,382 |
| Cash dividends to net income (ytd only)* | 50.9482% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1417% | 2,668 |
| Loan loss allowance to noncurrent loans | 84.9065% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 1.0789% | 455 |
| Noncurrent loans to loans | 1.3447% | 566 |
| Net loans and leases to total assets | 79.3200% | 729 |
| Net loans and leases to deposits | 90.1807% | 1,228 |
| Net loans and leases to core deposits | 115.2034% | 689 |
| Total domestic deposits to total assets | 87.9600% | 1,588 |
| Equity capital to assets | 11.7639% | 1,103 |
| Core capital (leverage) ratio | 12.0493% | 1,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $186,339,250 | 3,085 |
| Average earning assets | $174,003,500 | 3,067 |
| Average equity | $22,654,250 | 2,640 |
| Average total loans | $145,723,500 | 2,714 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2920% | 313 |
| Cost of funding earning assets | 0.6698% | 3,571 |
| Net interest margin | 5.6221% | 154 |
| Noninterest income to average assets | 1.0400% | 529 |
| Noninterest expense to average assets | 4.2504% | 300 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.9382% | 520 |
| Return on assets (ROA) | 1.9382% | 519 |
| Pretax return on assets | 2.0117% | 729 |
| Return on Equity (ROE) | 15.7600% | 1,312 |
| Retained earnings to average equity (ytd only) | 8.3913% | 1,852 |
| Net charge-offs to loans | -0.0042% | 3,673 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.8753% | 1,998 |
| Assets per employee ($millions) | 3.0756% | 4,425 |
| Cash dividends to net income (ytd only)* | 46.7459% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2187% | 2,358 |
| Loan loss allowance to noncurrent loans | 1,714.1509% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.0547% | 3,231 |
| Noncurrent loans to loans | 0.0711% | 3,192 |
| Net loans and leases to total assets | 76.0100% | 1,046 |
| Net loans and leases to deposits | 86.4380% | 1,468 |
| Net loans and leases to core deposits | 110.5955% | 802 |
| Total domestic deposits to total assets | 87.9400% | 1,623 |
| Equity capital to assets | 11.8337% | 1,094 |
| Core capital (leverage) ratio | 12.6248% | 1,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $182,337,667 | 3,120 |
| Average earning assets | $169,294,667 | 3,113 |
| Average equity | $22,428,000 | 2,667 |
| Average total loans | $141,248,667 | 2,757 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0626% | 294 |
| Cost of funding earning assets | 0.4611% | 3,804 |
| Net interest margin | 5.6014% | 136 |
| Noninterest income to average assets | 1.0300% | 549 |
| Noninterest expense to average assets | 4.3921% | 291 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7917% | 685 |
| Return on assets (ROA) | 1.7917% | 675 |
| Pretax return on assets | 1.8687% | 952 |
| Return on Equity (ROE) | 14.2700% | 1,719 |
| Retained earnings to average equity (ytd only) | 6.8177% | 2,545 |
| Net charge-offs to loans | -0.0087% | 3,810 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.1520% | 1,731 |
| Assets per employee ($millions) | 2.8093% | 4,520 |
| Cash dividends to net income (ytd only)* | 52.2124% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 1,916 |
| 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 | 78.9300% | 653 |
| Net loans and leases to deposits | 90.9338% | 981 |
| Net loans and leases to core deposits | 110.1273% | 704 |
| Total domestic deposits to total assets | 86.8000% | 2,339 |
| Equity capital to assets | 13.0523% | 747 |
| Core capital (leverage) ratio | 12.9428% | 1,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $176,590,500 | 3,207 |
| Average earning assets | $164,814,500 | 3,197 |
| Average equity | $22,177,500 | 2,704 |
| Average total loans | $137,324,500 | 2,823 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8038% | 427 |
| Cost of funding earning assets | 0.2839% | 3,008 |
| Net interest margin | 4.5198% | 283 |
| Noninterest income to average assets | 0.9500% | 711 |
| Noninterest expense to average assets | 3.6789% | 421 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.4377% | 1,032 |
| Return on assets (ROA) | 1.4377% | 995 |
| Pretax return on assets | 1.4916% | 1,479 |
| Return on Equity (ROE) | 13.3200% | 1,699 |
| Retained earnings to average equity (ytd only) | 4.9009% | 3,089 |
| Net charge-offs to loans | -0.0061% | 3,669 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.4601% | 1,627 |
| Assets per employee ($millions) | 3.0816% | 4,514 |
| Cash dividends to net income (ytd only)* | 63.1932% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3193% | 1,812 |
| Loan loss allowance to noncurrent loans | 64.8446% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 1.5395% | 198 |
| Noncurrent loans to loans | 2.0345% | 275 |
| Net loans and leases to total assets | 74.6700% | 1,159 |
| Net loans and leases to deposits | 85.1237% | 1,382 |
| Net loans and leases to core deposits | 99.5403% | 1,026 |
| Total domestic deposits to total assets | 87.7200% | 2,171 |
| Equity capital to assets | 12.0935% | 903 |
| Core capital (leverage) ratio | 11.7606% | 1,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $196,908,200 | 3,059 |
| Average earning assets | $185,958,800 | 3,033 |
| Average equity | $21,261,400 | 2,835 |
| Average total loans | $131,743,800 | 2,809 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5268% | 478 |
| Cost of funding earning assets | 0.2639% | 2,560 |
| Net interest margin | 4.2629% | 361 |
| Noninterest income to average assets | 0.9200% | 787 |
| Noninterest expense to average assets | 3.5445% | 467 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.2836% | 1,414 |
| Return on assets (ROA) | 1.2836% | 1,383 |
| Pretax return on assets | 1.3367% | 1,934 |
| Return on Equity (ROE) | 12.2200% | 1,963 |
| Retained earnings to average equity (ytd only) | 3.5167% | 3,611 |
| Net charge-offs to loans | -0.0082% | 3,632 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.6396% | 1,569 |
| Assets per employee ($millions) | 3.4572% | 4,485 |
| Cash dividends to net income (ytd only)* | 71.2215% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3543% | 1,786 |
| Loan loss allowance to noncurrent loans | 64.8446% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 1.4204% | 247 |
| Noncurrent loans to loans | 2.0885% | 284 |
| Net loans and leases to total assets | 67.0900% | 1,773 |
| Net loans and leases to deposits | 75.4596% | 1,923 |
| Net loans and leases to core deposits | 88.6168% | 1,381 |
| Total domestic deposits to total assets | 88.9100% | 2,125 |
| Equity capital to assets | 10.9115% | 1,210 |
| Core capital (leverage) ratio | 11.0361% | 1,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $200,681,250 | 3,064 |
| Average earning assets | $189,442,750 | 3,023 |
| Average equity | $21,079,750 | 2,889 |
| Average total loans | $130,285,250 | 2,824 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2512% | 567 |
| Cost of funding earning assets | 0.2754% | 1,951 |
| Net interest margin | 3.9759% | 520 |
| Noninterest income to average assets | 0.8737% | 894 |
| Noninterest expense to average assets | 3.4900% | 444 |
| Loan and lease loss provision to assets | 0.0991% | 1,011 |
| Net operating income to assets | 0.9797% | 2,233 |
| Return on assets (ROA) | 0.9797% | 2,206 |
| Pretax return on assets | 1.0323% | 2,629 |
| Return on Equity (ROE) | 9.4465% | 2,545 |
| Retained earnings to average equity (ytd only) | 0.2483% | 4,143 |
| Net charge-offs to loans | -0.0124% | 3,667 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5198% | 1,333 |
| Assets per employee ($millions) | 3.5893% | 4,522 |
| Cash dividends to net income (ytd only)* | 97.3711% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4448% | 1,577 |
| Loan loss allowance to noncurrent loans | 64.8446% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 1.4178% | 259 |
| Noncurrent loans to loans | 2.2280% | 282 |
| Net loans and leases to total assets | 62.7171% | 2,044 |
| Net loans and leases to deposits | 70.2936% | 2,176 |
| Net loans and leases to core deposits | 82.7486% | 1,537 |
| Total domestic deposits to total assets | 89.2215% | 2,077 |
| Equity capital to assets | 10.6235% | 1,382 |
| Core capital (leverage) ratio | 10.5075% | 1,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $201,888,667 | 3,082 |
| Average earning assets | $190,298,667 | 3,063 |
| Average equity | $20,939,000 | 2,976 |
| Average total loans | $129,041,000 | 2,856 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3027% | 435 |
| Cost of funding earning assets | 0.2963% | 1,691 |
| Net interest margin | 4.0064% | 416 |
| Noninterest income to average assets | 0.8446% | 945 |
| Noninterest expense to average assets | 3.4253% | 457 |
| Loan and lease loss provision to assets | 0.1960% | 371 |
| Net operating income to assets | 0.9857% | 1,941 |
| Return on assets (ROA) | 0.9857% | 1,937 |
| Pretax return on assets | 0.9857% | 2,483 |
| Return on Equity (ROE) | 9.6164% | 2,117 |
| Retained earnings to average equity (ytd only) | -0.8986% | 4,131 |
| Net charge-offs to loans | -0.0031% | 3,191 |
| Credit loss provision to net charge-offs | -10,000.0000% | 3,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3513% | 1,702 |
| Assets per employee ($millions) | 3.5613% | 4,538 |
| Cash dividends to net income (ytd only)* | 109.3439% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4061% | 1,880 |
| Loan loss allowance to noncurrent loans | 64.5588% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 1.3789% | 275 |
| Noncurrent loans to loans | 2.1781% | 313 |
| Net loans and leases to total assets | 62.4159% | 1,805 |
| Net loans and leases to deposits | 69.6590% | 1,992 |
| Net loans and leases to core deposits | 82.8094% | 1,307 |
| Total domestic deposits to total assets | 89.6021% | 1,764 |
| Equity capital to assets | 10.2954% | 1,689 |
| Core capital (leverage) ratio | 10.2616% | 2,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $204,127,000 | 3,077 |
| Average earning assets | $191,695,000 | 3,066 |
| Average equity | $20,922,500 | 3,065 |
| Average total loans | $130,748,500 | 2,840 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2978% | 857 |
| Cost of funding earning assets | 0.4594% | 1,135 |
| Net interest margin | 3.8385% | 939 |
| Noninterest income to average assets | 0.8955% | 1,213 |
| Noninterest expense to average assets | 3.3059% | 624 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2153% | 1,876 |
| Return on assets (ROA) | 1.2153% | 1,924 |
| Pretax return on assets | 1.2153% | 2,613 |
| Return on Equity (ROE) | 11.8222% | 1,872 |
| Retained earnings to average equity (ytd only) | 1.2581% | 4,189 |
| Net charge-offs to loans | 0.1083% | 812 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 16.4133% | 1,974 |
| Efficiency ratio | 73.1193% | 1,401 |
| Assets per employee ($millions) | 3.8728% | 4,462 |
| Cash dividends to net income (ytd only)* | 89.3582% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 2,444 |
| Loan loss allowance to noncurrent loans | 19.1041% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 4.3506% | 38 |
| Noncurrent loans to loans | 6.7148% | 40 |
| Net loans and leases to total assets | 63.9595% | 1,704 |
| Net loans and leases to deposits | 71.3337% | 1,978 |
| Net loans and leases to core deposits | 88.0132% | 1,077 |
| Total domestic deposits to total assets | 89.6624% | 1,133 |
| Equity capital to assets | 10.2046% | 2,464 |
| Core capital (leverage) ratio | 10.1487% | 2,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,578,400 | 3,045 |
| Average earning assets | $191,352,800 | 3,017 |
| Average equity | $20,825,200 | 3,147 |
| Average total loans | $138,466,200 | 2,743 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3160% | 929 |
| Cost of funding earning assets | 0.4866% | 1,123 |
| Net interest margin | 3.8294% | 1,060 |
| Noninterest income to average assets | 0.9225% | 1,210 |
| Noninterest expense to average assets | 3.2885% | 607 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2454% | 2,004 |
| Return on assets (ROA) | 1.2454% | 2,069 |
| Pretax return on assets | 1.2454% | 2,786 |
| Return on Equity (ROE) | 12.0923% | 2,010 |
| Retained earnings to average equity (ytd only) | 1.5131% | 4,310 |
| Net charge-offs to loans | 0.1440% | 570 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 12.4901% | 1,956 |
| Efficiency ratio | 72.5313% | 1,356 |
| Assets per employee ($millions) | 3.8426% | 4,526 |
| Cash dividends to net income (ytd only)* | 87.4867% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 2,699 |
| Loan loss allowance to noncurrent loans | 60.2686% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.3634% | 396 |
| Noncurrent loans to loans | 2.0855% | 411 |
| Net loans and leases to total assets | 64.5521% | 1,704 |
| Net loans and leases to deposits | 71.9789% | 2,057 |
| Net loans and leases to core deposits | 90.1229% | 1,027 |
| Total domestic deposits to total assets | 89.6820% | 923 |
| Equity capital to assets | 10.0818% | 2,821 |
| Core capital (leverage) ratio | 10.1776% | 2,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $201,907,750 | 3,086 |
| Average earning assets | $190,417,750 | 3,055 |
| Average equity | $20,795,000 | 3,182 |
| Average total loans | $139,835,250 | 2,766 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3748% | 882 |
| Cost of funding earning assets | 0.5268% | 1,051 |
| Net interest margin | 3.8480% | 1,071 |
| Noninterest income to average assets | 0.9928% | 1,085 |
| Noninterest expense to average assets | 3.3553% | 571 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2667% | 1,967 |
| Return on assets (ROA) | 1.2667% | 2,041 |
| Pretax return on assets | 1.2667% | 2,721 |
| Return on Equity (ROE) | 12.2101% | 1,977 |
| Retained earnings to average equity (ytd only) | 1.6094% | 4,217 |
| Net charge-offs to loans | 0.2237% | 389 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 8.0190% | 1,899 |
| Efficiency ratio | 72.5936% | 1,370 |
| Assets per employee ($millions) | 3.5628% | 4,642 |
| Cash dividends to net income (ytd only)* | 86.8193% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 2,837 |
| Loan loss allowance to noncurrent loans | 56.9035% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 1.4956% | 382 |
| Noncurrent loans to loans | 2.1380% | 430 |
| Net loans and leases to total assets | 69.1014% | 1,311 |
| Net loans and leases to deposits | 77.3797% | 1,690 |
| Net loans and leases to core deposits | 96.6837% | 777 |
| Total domestic deposits to total assets | 89.3017% | 1,139 |
| Equity capital to assets | 10.4507% | 2,436 |
| Core capital (leverage) ratio | 10.3416% | 2,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $200,043,000 | 3,099 |
| Average earning assets | $188,670,667 | 3,078 |
| Average equity | $20,753,333 | 3,182 |
| Average total loans | $141,229,667 | 2,767 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7345% | 541 |
| Cost of funding earning assets | 0.6027% | 868 |
| Net interest margin | 4.1318% | 690 |
| Noninterest income to average assets | 0.6929% | 1,889 |
| Noninterest expense to average assets | 3.4008% | 525 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1802% | 2,232 |
| Return on assets (ROA) | 1.1802% | 2,301 |
| Pretax return on assets | 1.1802% | 2,899 |
| Return on Equity (ROE) | 11.4178% | 2,217 |
| Retained earnings to average equity (ytd only) | 0.7921% | 4,255 |
| Net charge-offs to loans | -0.0028% | 3,207 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2371% | 1,292 |
| Assets per employee ($millions) | 3.4554% | 4,706 |
| Cash dividends to net income (ytd only)* | 93.0626% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3382% | 2,260 |
| Loan loss allowance to noncurrent loans | 370.6587% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.9325% | 905 |
| Noncurrent loans to loans | 0.3610% | 2,789 |
| Net loans and leases to total assets | 67.1573% | 1,643 |
| Net loans and leases to deposits | 74.8907% | 2,031 |
| Net loans and leases to core deposits | 95.8963% | 888 |
| Total domestic deposits to total assets | 89.6738% | 982 |
| Equity capital to assets | 10.1658% | 2,544 |
| Core capital (leverage) ratio | 10.2602% | 2,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $200,306,000 | 3,087 |
| Average earning assets | $188,489,500 | 3,066 |
| Average equity | $20,704,500 | 3,180 |
| Average total loans | $142,061,000 | 2,762 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5988% | 157 |
| Cost of funding earning assets | 0.7799% | 1,301 |
| Net interest margin | 4.8189% | 164 |
| Noninterest income to average assets | 0.5346% | 2,488 |
| Noninterest expense to average assets | 3.4741% | 719 |
| Loan and lease loss provision to assets | 0.0820% | 3,354 |
| Net operating income to assets | 1.4599% | 902 |
| Return on assets (ROA) | 1.4599% | 980 |
| Pretax return on assets | 1.4599% | 1,472 |
| Return on Equity (ROE) | 12.9511% | 1,052 |
| Retained earnings to average equity (ytd only) | -0.1164% | 4,534 |
| Net charge-offs to loans | 0.0909% | 1,545 |
| Credit loss provision to net charge-offs | 115.3846% | 2,680 |
| Earnings coverage of net charge-offs (x) | 21.7000% | 1,885 |
| Efficiency ratio | 69.2601% | 2,054 |
| Assets per employee ($millions) | 3.3346% | 4,709 |
| Cash dividends to net income (ytd only)* | 100.8985% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2769% | 2,534 |
| Loan loss allowance to noncurrent loans | 364.6365% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.9703% | 993 |
| Noncurrent loans to loans | 0.3502% | 2,944 |
| Net loans and leases to total assets | 72.9358% | 1,168 |
| Net loans and leases to deposits | 83.0364% | 1,542 |
| Net loans and leases to core deposits | 107.5255% | 584 |
| Total domestic deposits to total assets | 87.8359% | 1,558 |
| Equity capital to assets | 10.5132% | 2,663 |
| Core capital (leverage) ratio | 10.5134% | 2,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,953,000 | 3,079 |
| Average earning assets | $170,144,000 | 3,070 |
| Average equity | $20,623,800 | 3,127 |
| Average total loans | $142,953,400 | 2,721 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8678% | 130 |
| Cost of funding earning assets | 0.8135% | 1,427 |
| Net interest margin | 5.0542% | 125 |
| Noninterest income to average assets | 0.4457% | 2,866 |
| Noninterest expense to average assets | 3.4813% | 725 |
| Loan and lease loss provision to assets | 0.1114% | 2,930 |
| Net operating income to assets | 1.5412% | 831 |
| Return on assets (ROA) | 1.5412% | 906 |
| Pretax return on assets | 1.5412% | 1,352 |
| Return on Equity (ROE) | 13.4244% | 996 |
| Retained earnings to average equity (ytd only) | -0.4529% | 4,546 |
| Net charge-offs to loans | 0.1236% | 1,140 |
| Credit loss provision to net charge-offs | 113.6364% | 2,524 |
| Earnings coverage of net charge-offs (x) | 16.8561% | 2,043 |
| Efficiency ratio | 67.8096% | 2,220 |
| Assets per employee ($millions) | 3.5797% | 4,622 |
| Cash dividends to net income (ytd only)* | 103.3735% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2753% | 2,266 |
| Loan loss allowance to noncurrent loans | 396.1538% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 1.9463% | 349 |
| Noncurrent loans to loans | 0.3219% | 3,132 |
| Net loans and leases to total assets | 72.8955% | 1,520 |
| Net loans and leases to deposits | 83.0364% | 2,014 |
| Net loans and leases to core deposits | 107.3648% | 794 |
| Total domestic deposits to total assets | 87.7873% | 1,306 |
| Equity capital to assets | 10.4822% | 2,803 |
| Core capital (leverage) ratio | 10.7262% | 2,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $179,505,500 | 3,096 |
| Average earning assets | $166,509,500 | 3,089 |
| Average equity | $20,608,750 | 3,127 |
| Average total loans | $142,353,750 | 2,732 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8412% | 178 |
| Cost of funding earning assets | 0.8481% | 1,610 |
| Net interest margin | 4.9931% | 209 |
| Noninterest income to average assets | 0.3661% | 3,286 |
| Noninterest expense to average assets | 3.5968% | 655 |
| Loan and lease loss provision to assets | 0.1727% | 2,285 |
| Net operating income to assets | 1.2193% | 1,589 |
| Return on assets (ROA) | 1.2193% | 1,712 |
| Pretax return on assets | 1.2193% | 2,299 |
| Return on Equity (ROE) | 10.2821% | 1,893 |
| Retained earnings to average equity (ytd only) | -3.6021% | 4,701 |
| Net charge-offs to loans | 0.2137% | 728 |
| Credit loss provision to net charge-offs | 99.3377% | 2,417 |
| Earnings coverage of net charge-offs (x) | 8.0066% | 2,325 |
| Efficiency ratio | 72.0979% | 1,668 |
| Assets per employee ($millions) | 3.5559% | 4,628 |
| Cash dividends to net income (ytd only)* | 135.0331% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2296% | 2,352 |
| Loan loss allowance to noncurrent loans | 388.7712% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 1.9988% | 355 |
| Noncurrent loans to loans | 0.3163% | 3,255 |
| Net loans and leases to total assets | 76.7634% | 1,028 |
| Net loans and leases to deposits | 87.7212% | 1,584 |
| Net loans and leases to core deposits | 111.9357% | 664 |
| Total domestic deposits to total assets | 87.5083% | 1,412 |
| Equity capital to assets | 10.5913% | 2,672 |
| Core capital (leverage) ratio | 11.0592% | 1,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,712,000 | 3,129 |
| Average earning assets | $160,823,333 | 3,124 |
| Average equity | $20,599,000 | 3,124 |
| Average total loans | $141,346,667 | 2,731 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2223% | 125 |
| Cost of funding earning assets | 0.8975% | 1,881 |
| Net interest margin | 5.3248% | 124 |
| Noninterest income to average assets | 0.7098% | 1,618 |
| Noninterest expense to average assets | 3.7968% | 625 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.8449% | 376 |
| Return on assets (ROA) | 1.8449% | 418 |
| Pretax return on assets | 1.8449% | 640 |
| Return on Equity (ROE) | 14.6454% | 596 |
| Retained earnings to average equity (ytd only) | 0.8490% | 3,780 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2986% | 2,771 |
| Assets per employee ($millions) | 3.1229% | 4,739 |
| Cash dividends to net income (ytd only)* | 94.2029% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3679% | 1,819 |
| Loan loss allowance to noncurrent loans | 187.5383% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 2.7336% | 238 |
| Noncurrent loans to loans | 0.7294% | 2,175 |
| Net loans and leases to total assets | 78.5014% | 904 |
| Net loans and leases to deposits | 91.5303% | 1,339 |
| Net loans and leases to core deposits | 118.2422% | 524 |
| Total domestic deposits to total assets | 85.7655% | 2,097 |
| Equity capital to assets | 12.3056% | 1,857 |
| Core capital (leverage) ratio | 12.7110% | 1,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,560,000 | 3,179 |
| Average earning assets | $152,420,000 | 3,167 |
| Average equity | $20,730,000 | 3,100 |
| Average total loans | $137,403,500 | 2,750 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3984% | 126 |
| Cost of funding earning assets | 0.8281% | 2,538 |
| Net interest margin | 5.5704% | 107 |
| Noninterest income to average assets | 0.5715% | 2,364 |
| Noninterest expense to average assets | 3.9148% | 587 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.8474% | 481 |
| Return on assets (ROA) | 1.8474% | 503 |
| Pretax return on assets | 1.8474% | 843 |
| Return on Equity (ROE) | 14.3698% | 827 |
| Retained earnings to average equity (ytd only) | 0.5042% | 4,543 |
| Net charge-offs to loans | 0.1068% | 1,658 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 19.8926% | 1,965 |
| Efficiency ratio | 67.9394% | 2,471 |
| Assets per employee ($millions) | 3.0279% | 4,815 |
| Cash dividends to net income (ytd only)* | 96.4912% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3060% | 1,895 |
| Loan loss allowance to noncurrent loans | 66.8609% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 2.9424% | 184 |
| Noncurrent loans to loans | 1.9532% | 663 |
| Net loans and leases to total assets | 86.4595% | 143 |
| Net loans and leases to deposits | 101.6968% | 490 |
| Net loans and leases to core deposits | 134.1082% | 229 |
| Total domestic deposits to total assets | 85.0169% | 2,483 |
| Equity capital to assets | 12.9037% | 1,579 |
| Core capital (leverage) ratio | 13.1463% | 1,178 |
| Tier 1 risk-based capital ratio | 15.7016% | 2,501 |
| Total risk-based capital ratio | 16.9534% | 2,435 |
| Memoranda: | ||
| Average total assets | $160,444,200 | 3,200 |
| Average earning assets | $149,505,200 | 3,178 |
| Average equity | $20,626,600 | 3,079 |
| Average total loans | $139,557,000 | 2,726 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3133% | 143 |
| Cost of funding earning assets | 0.8265% | 2,585 |
| Net interest margin | 5.4868% | 123 |
| Noninterest income to average assets | 0.5568% | 2,424 |
| Noninterest expense to average assets | 3.8644% | 617 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.8125% | 598 |
| Return on assets (ROA) | 1.8125% | 633 |
| Pretax return on assets | 1.8125% | 1,058 |
| Return on Equity (ROE) | 14.1119% | 961 |
| Retained earnings to average equity (ytd only) | 0.2329% | 4,717 |
| Net charge-offs to loans | -0.0029% | 4,097 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0720% | 2,407 |
| Assets per employee ($millions) | 2.8882% | 4,942 |
| Cash dividends to net income (ytd only)* | 98.3493% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4435% | 1,413 |
| Loan loss allowance to noncurrent loans | 68.0123% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 3.1443% | 170 |
| Noncurrent loans to loans | 2.1225% | 623 |
| Net loans and leases to total assets | 87.0264% | 133 |
| Net loans and leases to deposits | 102.8694% | 454 |
| Net loans and leases to core deposits | 125.8451% | 368 |
| Total domestic deposits to total assets | 84.5989% | 2,583 |
| Equity capital to assets | 13.2339% | 1,494 |
| Core capital (leverage) ratio | 12.8948% | 1,383 |
| Tier 1 risk-based capital ratio | 15.6670% | 2,575 |
| Total risk-based capital ratio | 16.9202% | 2,509 |
| Memoranda: | ||
| Average total assets | $160,435,000 | 3,231 |
| Average earning assets | $149,712,500 | 3,207 |
| Average equity | $20,606,250 | 3,097 |
| Average total loans | $139,299,500 | 2,759 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2461% | 157 |
| Cost of funding earning assets | 0.7975% | 2,655 |
| Net interest margin | 5.4485% | 139 |
| Noninterest income to average assets | 0.5323% | 2,487 |
| Noninterest expense to average assets | 3.8462% | 634 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.7996% | 595 |
| Return on assets (ROA) | 1.7996% | 620 |
| Pretax return on assets | 1.7996% | 1,032 |
| Return on Equity (ROE) | 14.1491% | 944 |
| Retained earnings to average equity (ytd only) | 0.2622% | 4,620 |
| Net charge-offs to loans | -0.0043% | 4,085 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1251% | 2,516 |
| Assets per employee ($millions) | 3.1105% | 4,833 |
| Cash dividends to net income (ytd only)* | 98.1469% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4495% | 1,420 |
| Loan loss allowance to noncurrent loans | 57.1264% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 2.1291% | 414 |
| Noncurrent loans to loans | 2.5374% | 464 |
| Net loans and leases to total assets | 81.9846% | 615 |
| Net loans and leases to deposits | 95.8697% | 1,048 |
| Net loans and leases to core deposits | 117.4509% | 629 |
| Total domestic deposits to total assets | 85.5167% | 2,258 |
| Equity capital to assets | 12.5143% | 1,849 |
| Core capital (leverage) ratio | 12.7524% | 1,422 |
| Tier 1 risk-based capital ratio | 16.1249% | 2,358 |
| Total risk-based capital ratio | 17.3786% | 2,305 |
| Memoranda: | ||
| Average total assets | $161,925,670 | 3,242 |
| Average earning assets | $151,968,000 | 3,209 |
| Average equity | $20,595,000 | 3,095 |
| Average total loans | $139,827,000 | 2,769 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2404% | 149 |
| Cost of funding earning assets | 0.7774% | 2,649 |
| Net interest margin | 5.4630% | 133 |
| Noninterest income to average assets | 0.5360% | 2,363 |
| Noninterest expense to average assets | 4.0035% | 538 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6478% | 814 |
| Return on assets (ROA) | 1.6478% | 844 |
| Pretax return on assets | 1.6478% | 1,351 |
| Return on Equity (ROE) | 12.8493% | 1,269 |
| Retained earnings to average equity (ytd only) | -1.0497% | 4,658 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8425% | 2,213 |
| Assets per employee ($millions) | 3.0936% | 4,921 |
| Cash dividends to net income (ytd only)* | 108.1694% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3975% | 1,686 |
| Loan loss allowance to noncurrent loans | 42.9561% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 2.9795% | 211 |
| Noncurrent loans to loans | 3.2532% | 301 |
| Net loans and leases to total assets | 87.0651% | 145 |
| Net loans and leases to deposits | 102.1315% | 491 |
| Net loans and leases to core deposits | 126.2931% | 373 |
| Total domestic deposits to total assets | 85.2481% | 2,583 |
| Equity capital to assets | 12.7745% | 1,582 |
| Core capital (leverage) ratio | 12.8763% | 1,332 |
| Tier 1 risk-based capital ratio | 15.7776% | 2,538 |
| Total risk-based capital ratio | 17.0314% | 2,466 |
| Memoranda: | ||
| Average total assets | $160,459,000 | 3,294 |
| Average earning assets | $150,247,000 | 3,265 |
| Average equity | $20,577,000 | 3,108 |
| Average total loans | $141,167,000 | 2,789 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0534% | 153 |
| Cost of funding earning assets | 0.6335% | 2,499 |
| Net interest margin | 5.4199% | 125 |
| Noninterest income to average assets | 0.8304% | 1,369 |
| Noninterest expense to average assets | 3.7410% | 732 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.1565% | 269 |
| Return on assets (ROA) | 2.1565% | 265 |
| Pretax return on assets | 2.1565% | 391 |
| Return on Equity (ROE) | 17.6225% | 427 |
| Retained earnings to average equity (ytd only) | 4.4505% | 3,081 |
| Net charge-offs to loans | 0.1457% | 1,312 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 17.5721% | 2,185 |
| Efficiency ratio | 63.4331% | 3,272 |
| Assets per employee ($millions) | 2.8581% | 5,066 |
| Cash dividends to net income (ytd only)* | 74.7452% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4149% | 1,584 |
| Loan loss allowance to noncurrent loans | 76.4638% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.7294% | 615 |
| Noncurrent loans to loans | 1.8505% | 759 |
| Net loans and leases to total assets | 86.4131% | 214 |
| Net loans and leases to deposits | 103.8427% | 484 |
| Net loans and leases to core deposits | 124.2934% | 433 |
| Total domestic deposits to total assets | 83.2154% | 3,256 |
| Equity capital to assets | 12.8734% | 1,404 |
| Core capital (leverage) ratio | 12.7097% | 1,370 |
| Tier 1 risk-based capital ratio | 16.0794% | 2,380 |
| Total risk-based capital ratio | 17.3327% | 2,319 |
| Memoranda: | ||
| Average total assets | $163,780,400 | 3,229 |
| Average earning assets | $153,119,800 | 3,208 |
| Average equity | $20,042,600 | 3,087 |
| Average total loans | $137,929,800 | 2,793 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8907% | 185 |
| Cost of funding earning assets | 0.5827% | 2,607 |
| Net interest margin | 5.3079% | 144 |
| Noninterest income to average assets | 0.7739% | 1,563 |
| Noninterest expense to average assets | 3.6790% | 775 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.0569% | 335 |
| Return on assets (ROA) | 2.0569% | 332 |
| Pretax return on assets | 2.0569% | 538 |
| Return on Equity (ROE) | 17.0228% | 540 |
| Retained earnings to average equity (ytd only) | 3.7583% | 3,896 |
| Net charge-offs to loans | 0.1874% | 891 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 13.1657% | 2,389 |
| Efficiency ratio | 64.1406% | 3,157 |
| Assets per employee ($millions) | 2.9974% | 5,038 |
| Cash dividends to net income (ytd only)* | 77.9219% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4212% | 1,625 |
| Loan loss allowance to noncurrent loans | 43.5343% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 3.0335% | 236 |
| Noncurrent loans to loans | 3.2645% | 315 |
| Net loans and leases to total assets | 85.4072% | 324 |
| Net loans and leases to deposits | 102.1269% | 641 |
| Net loans and leases to core deposits | 122.0445% | 510 |
| Total domestic deposits to total assets | 83.6285% | 3,070 |
| Equity capital to assets | 12.5249% | 1,567 |
| Core capital (leverage) ratio | 12.6936% | 1,422 |
| Tier 1 risk-based capital ratio | 15.5351% | 2,638 |
| Total risk-based capital ratio | 16.7888% | 2,568 |
| Memoranda: | ||
| Average total assets | $164,712,750 | 3,249 |
| Average earning assets | $153,979,750 | 3,223 |
| Average equity | $19,902,250 | 3,119 |
| Average total loans | $137,339,750 | 2,818 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8379% | 188 |
| Cost of funding earning assets | 0.5671% | 2,453 |
| Net interest margin | 5.2707% | 147 |
| Noninterest income to average assets | 0.7352% | 1,712 |
| Noninterest expense to average assets | 3.7244% | 732 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.9365% | 426 |
| Return on assets (ROA) | 1.9365% | 426 |
| Pretax return on assets | 1.9365% | 708 |
| Return on Equity (ROE) | 16.2195% | 628 |
| Retained earnings to average equity (ytd only) | 2.8819% | 4,098 |
| Net charge-offs to loans | 0.3021% | 528 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 7.7864% | 2,526 |
| Efficiency ratio | 65.7923% | 3,017 |
| Assets per employee ($millions) | 3.0265% | 5,080 |
| Cash dividends to net income (ytd only)* | 82.2319% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 1,748 |
| Loan loss allowance to noncurrent loans | 43.5835% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 2.9829% | 249 |
| Noncurrent loans to loans | 3.2097% | 331 |
| Net loans and leases to total assets | 85.3949% | 318 |
| Net loans and leases to deposits | 101.6920% | 683 |
| Net loans and leases to core deposits | 120.2368% | 557 |
| Total domestic deposits to total assets | 83.9741% | 3,076 |
| Equity capital to assets | 12.2359% | 1,705 |
| Core capital (leverage) ratio | 12.2096% | 1,593 |
| Tier 1 risk-based capital ratio | 15.3142% | 2,723 |
| Total risk-based capital ratio | 16.5679% | 2,653 |
| Memoranda: | ||
| Average total assets | $165,663,330 | 3,260 |
| Average earning assets | $154,817,000 | 3,234 |
| Average equity | $19,778,670 | 3,149 |
| Average total loans | $136,375,000 | 2,839 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5833% | 241 |
| Cost of funding earning assets | 0.5647% | 2,282 |
| Net interest margin | 5.0185% | 224 |
| Noninterest income to average assets | 0.7531% | 1,612 |
| Noninterest expense to average assets | 3.9237% | 572 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5182% | 1,038 |
| Return on assets (ROA) | 1.5182% | 1,039 |
| Pretax return on assets | 1.5182% | 1,633 |
| Return on Equity (ROE) | 12.8727% | 1,306 |
| Retained earnings to average equity (ytd only) | -0.5287% | 4,863 |
| Net charge-offs to loans | -0.0299% | 4,738 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1022% | 2,181 |
| Assets per employee ($millions) | 3.0680% | 5,113 |
| Cash dividends to net income (ytd only)* | 104.1074% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6302% | 1,095 |
| Loan loss allowance to noncurrent loans | 49.8751% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 2.9607% | 275 |
| Noncurrent loans to loans | 3.2685% | 338 |
| Net loans and leases to total assets | 79.9867% | 936 |
| Net loans and leases to deposits | 94.7307% | 1,163 |
| Net loans and leases to core deposits | 112.5700% | 861 |
| Total domestic deposits to total assets | 84.4359% | 3,135 |
| Equity capital to assets | 11.8567% | 1,875 |
| Core capital (leverage) ratio | 11.6486% | 1,893 |
| Tier 1 risk-based capital ratio | 15.6301% | 2,618 |
| Total risk-based capital ratio | 16.8865% | 2,556 |
| Memoranda: | ||
| Average total assets | $166,780,500 | 3,283 |
| Average earning assets | $155,822,000 | 3,256 |
| Average equity | $19,669,500 | 3,188 |
| Average total loans | $133,792,500 | 2,890 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7853% | 174 |
| Cost of funding earning assets | 0.5217% | 2,163 |
| Net interest margin | 5.2636% | 153 |
| Noninterest income to average assets | 0.6326% | 2,291 |
| Noninterest expense to average assets | 3.4548% | 1,121 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.1020% | 232 |
| Return on assets (ROA) | 2.1020% | 238 |
| Pretax return on assets | 2.1020% | 396 |
| Return on Equity (ROE) | 18.4625% | 277 |
| Retained earnings to average equity (ytd only) | 4.7392% | 2,298 |
| Net charge-offs to loans | 0.0204% | 3,428 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 118.3000% | 573 |
| Efficiency ratio | 62.1722% | 3,910 |
| Assets per employee ($millions) | 3.1678% | 5,061 |
| Cash dividends to net income (ytd only)* | 74.3308% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6452% | 1,047 |
| Loan loss allowance to noncurrent loans | 41.1211% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 3.4653% | 195 |
| Noncurrent loans to loans | 4.0008% | 237 |
| Net loans and leases to total assets | 77.8416% | 1,302 |
| Net loans and leases to deposits | 93.9695% | 1,279 |
| Net loans and leases to core deposits | 108.4835% | 1,098 |
| Total domestic deposits to total assets | 82.8371% | 3,616 |
| Equity capital to assets | 11.7314% | 2,016 |
| Core capital (leverage) ratio | 11.7404% | 1,769 |
| Tier 1 risk-based capital ratio | 15.2960% | 2,700 |
| Total risk-based capital ratio | 16.5517% | 2,636 |
| Memoranda: | ||
| Average total assets | $168,837,800 | 3,260 |
| Average earning assets | $157,952,400 | 3,225 |
| Average equity | $19,222,800 | 3,221 |
| Average total loans | $147,394,800 | 2,682 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8402% | 156 |
| Cost of funding earning assets | 0.5179% | 2,127 |
| Net interest margin | 5.3223% | 138 |
| Noninterest income to average assets | 0.5922% | 2,520 |
| Noninterest expense to average assets | 3.4800% | 1,026 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.0961% | 268 |
| Return on assets (ROA) | 2.0961% | 274 |
| Pretax return on assets | 2.0961% | 451 |
| Return on Equity (ROE) | 18.5501% | 299 |
| Retained earnings to average equity (ytd only) | 4.7387% | 3,058 |
| Net charge-offs to loans | 0.0009% | 3,765 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 2,664.5940% | 25 |
| Efficiency ratio | 62.4098% | 3,822 |
| Assets per employee ($millions) | 3.0098% | 5,262 |
| Cash dividends to net income (ytd only)* | 74.4545% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5501% | 1,370 |
| Loan loss allowance to noncurrent loans | 40.6870% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 3.2299% | 267 |
| Noncurrent loans to loans | 3.8098% | 268 |
| Net loans and leases to total assets | 83.4653% | 491 |
| Net loans and leases to deposits | 100.5604% | 709 |
| Net loans and leases to core deposits | 114.5220% | 807 |
| Total domestic deposits to total assets | 83.0002% | 3,452 |
| Equity capital to assets | 11.5480% | 2,321 |
| Core capital (leverage) ratio | 11.7516% | 1,848 |
| Tier 1 risk-based capital ratio | 14.2616% | 3,320 |
| Total risk-based capital ratio | 15.5175% | 3,220 |
| Memoranda: | ||
| Average total assets | $169,074,500 | 3,286 |
| Average earning assets | $158,323,750 | 3,248 |
| Average equity | $19,104,500 | 3,260 |
| Average total loans | $151,024,750 | 2,660 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9045% | 138 |
| Cost of funding earning assets | 0.5144% | 2,060 |
| Net interest margin | 5.3902% | 126 |
| Noninterest income to average assets | 0.5684% | 2,614 |
| Noninterest expense to average assets | 3.5604% | 921 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.0479% | 279 |
| Return on assets (ROA) | 2.0479% | 288 |
| Pretax return on assets | 2.0479% | 493 |
| Return on Equity (ROE) | 18.2568% | 312 |
| Retained earnings to average equity (ytd only) | 4.3614% | 3,107 |
| Net charge-offs to loans | 0.0039% | 3,353 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 577.6667% | 143 |
| Efficiency ratio | 63.4850% | 3,764 |
| Assets per employee ($millions) | 2.9621% | 5,307 |
| Cash dividends to net income (ytd only)* | 76.1108% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4835% | 1,634 |
| Loan loss allowance to noncurrent loans | 45.9988% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 2.9003% | 327 |
| Noncurrent loans to loans | 3.2250% | 380 |
| Net loans and leases to total assets | 88.5988% | 122 |
| Net loans and leases to deposits | 106.8735% | 365 |
| Net loans and leases to core deposits | 120.4177% | 545 |
| Total domestic deposits to total assets | 82.9006% | 3,598 |
| Equity capital to assets | 11.5742% | 2,251 |
| Core capital (leverage) ratio | 10.9510% | 2,457 |
| Tier 1 risk-based capital ratio | 13.6803% | 3,599 |
| Total risk-based capital ratio | 14.9343% | 3,517 |
| Memoranda: | ||
| Average total assets | $169,249,670 | 3,290 |
| Average earning assets | $158,251,000 | 3,270 |
| Average equity | $18,984,670 | 3,279 |
| Average total loans | $153,734,670 | 2,642 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8725% | 142 |
| Cost of funding earning assets | 0.4596% | 2,437 |
| Net interest margin | 5.4129% | 119 |
| Noninterest income to average assets | 0.5757% | 2,536 |
| Noninterest expense to average assets | 3.7067% | 772 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.9399% | 338 |
| Return on assets (ROA) | 1.9399% | 352 |
| Pretax return on assets | 1.9399% | 570 |
| Return on Equity (ROE) | 17.5659% | 368 |
| Retained earnings to average equity (ytd only) | 3.5810% | 3,649 |
| Net charge-offs to loans | -0.0051% | 4,193 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6444% | 3,551 |
| Assets per employee ($millions) | 2.9621% | 5,386 |
| Cash dividends to net income (ytd only)* | 79.6140% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4026% | 2,060 |
| Loan loss allowance to noncurrent loans | 40.4597% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 3.0845% | 317 |
| Noncurrent loans to loans | 3.4666% | 353 |
| Net loans and leases to total assets | 87.7311% | 122 |
| Net loans and leases to deposits | 111.6529% | 182 |
| Net loans and leases to core deposits | 123.5683% | 371 |
| Total domestic deposits to total assets | 78.5749% | 4,896 |
| Equity capital to assets | 10.6647% | 2,996 |
| Core capital (leverage) ratio | 11.1150% | 2,264 |
| Tier 1 risk-based capital ratio | 12.5867% | 4,332 |
| Total risk-based capital ratio | 13.8392% | 4,243 |
| Memoranda: | ||
| Average total assets | $170,936,000 | 3,302 |
| Average earning assets | $160,135,000 | 3,267 |
| Average equity | $18,877,500 | 3,303 |
| Average total loans | $156,013,000 | 2,631 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8175% | 162 |
| Cost of funding earning assets | 0.4763% | 2,295 |
| Net interest margin | 5.3412% | 141 |
| Noninterest income to average assets | 0.5871% | 2,727 |
| Noninterest expense to average assets | 3.4745% | 1,214 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.1257% | 254 |
| Return on assets (ROA) | 2.1257% | 260 |
| Pretax return on assets | 2.1257% | 376 |
| Return on Equity (ROE) | 19.1825% | 258 |
| Retained earnings to average equity (ytd only) | 4.7970% | 2,475 |
| Net charge-offs to loans | 0.0221% | 3,600 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 106.6364% | 567 |
| Efficiency ratio | 62.0429% | 4,238 |
| Assets per employee ($millions) | 2.9312% | 5,401 |
| Cash dividends to net income (ytd only)* | 74.9929% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4400% | 1,916 |
| Loan loss allowance to noncurrent loans | 50.2951% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 2.6842% | 425 |
| Noncurrent loans to loans | 2.8631% | 493 |
| Net loans and leases to total assets | 92.4001% | 26 |
| Net loans and leases to deposits | 113.8697% | 160 |
| Net loans and leases to core deposits | 122.1931% | 425 |
| Total domestic deposits to total assets | 81.1454% | 4,300 |
| Equity capital to assets | 11.4538% | 2,208 |
| Core capital (leverage) ratio | 11.3346% | 2,055 |
| Tier 1 risk-based capital ratio | 12.8729% | 4,152 |
| Total risk-based capital ratio | 14.1259% | 4,043 |
| Memoranda: | ||
| Average total assets | $165,548,800 | 3,338 |
| Average earning assets | $155,376,600 | 3,309 |
| Average equity | $18,344,800 | 3,366 |
| Average total loans | $149,606,800 | 2,650 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7915% | 168 |
| Cost of funding earning assets | 0.4744% | 2,324 |
| Net interest margin | 5.3170% | 145 |
| Noninterest income to average assets | 0.5795% | 2,768 |
| Noninterest expense to average assets | 3.4767% | 1,192 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.1016% | 295 |
| Return on assets (ROA) | 2.1016% | 306 |
| Pretax return on assets | 2.1016% | 463 |
| Return on Equity (ROE) | 19.1247% | 287 |
| Retained earnings to average equity (ytd only) | 4.6514% | 3,055 |
| Net charge-offs to loans | 0.0287% | 3,083 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 81.7103% | 767 |
| Efficiency ratio | 62.3253% | 4,171 |
| Assets per employee ($millions) | 3.1907% | 5,193 |
| Cash dividends to net income (ytd only)* | 75.6787% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4796% | 1,838 |
| Loan loss allowance to noncurrent loans | 50.8603% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 2.5299% | 536 |
| Noncurrent loans to loans | 2.9091% | 534 |
| Net loans and leases to total assets | 85.6778% | 273 |
| Net loans and leases to deposits | 102.1217% | 559 |
| Net loans and leases to core deposits | 108.9509% | 986 |
| Total domestic deposits to total assets | 83.8978% | 3,237 |
| Equity capital to assets | 10.7702% | 3,284 |
| Core capital (leverage) ratio | 10.9491% | 2,504 |
| Tier 1 risk-based capital ratio | 12.8709% | 4,240 |
| Total risk-based capital ratio | 14.1242% | 4,149 |
| Memoranda: | ||
| Average total assets | $165,899,500 | 3,347 |
| Average earning assets | $155,973,000 | 3,313 |
| Average equity | $18,230,750 | 3,401 |
| Average total loans | $148,536,750 | 2,663 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8811% | 140 |
| Cost of funding earning assets | 0.4676% | 2,400 |
| Net interest margin | 5.4135% | 131 |
| Noninterest income to average assets | 0.5862% | 2,689 |
| Noninterest expense to average assets | 3.5648% | 1,061 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.1115% | 271 |
| Return on assets (ROA) | 2.1115% | 287 |
| Pretax return on assets | 2.1115% | 459 |
| Return on Equity (ROE) | 19.0818% | 290 |
| Retained earnings to average equity (ytd only) | 4.5249% | 3,032 |
| Net charge-offs to loans | -0.0162% | 4,865 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8012% | 4,203 |
| Assets per employee ($millions) | 2.9549% | 5,475 |
| Cash dividends to net income (ytd only)* | 76.2869% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5157% | 1,802 |
| Loan loss allowance to noncurrent loans | 50.5817% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 2.6540% | 494 |
| Noncurrent loans to loans | 2.9965% | 501 |
| Net loans and leases to total assets | 87.2265% | 184 |
| Net loans and leases to deposits | 104.2409% | 452 |
| Net loans and leases to core deposits | 111.3939% | 855 |
| Total domestic deposits to total assets | 83.6778% | 3,392 |
| Equity capital to assets | 10.8836% | 3,189 |
| Core capital (leverage) ratio | 10.7907% | 2,663 |
| Tier 1 risk-based capital ratio | 12.9749% | 4,217 |
| Total risk-based capital ratio | 14.2291% | 4,124 |
| Memoranda: | ||
| Average total assets | $163,766,330 | 3,390 |
| Average earning assets | $153,984,000 | 3,350 |
| Average equity | $18,122,000 | 3,426 |
| Average total loans | $148,102,670 | 2,677 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9835% | 127 |
| Cost of funding earning assets | 0.4370% | 2,707 |
| Net interest margin | 5.5465% | 106 |
| Noninterest income to average assets | 0.6095% | 2,467 |
| Noninterest expense to average assets | 3.6894% | 910 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.1408% | 253 |
| Return on assets (ROA) | 2.1408% | 267 |
| Pretax return on assets | 2.1408% | 425 |
| Return on Equity (ROE) | 19.1814% | 278 |
| Retained earnings to average equity (ytd only) | 4.5511% | 3,206 |
| Net charge-offs to loans | -0.0027% | 4,163 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2809% | 4,263 |
| Assets per employee ($millions) | 2.9766% | 5,532 |
| Cash dividends to net income (ytd only)* | 76.2731% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5265% | 1,873 |
| Loan loss allowance to noncurrent loans | 52.3378% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 2.6259% | 546 |
| Noncurrent loans to loans | 2.9166% | 571 |
| Net loans and leases to total assets | 88.6600% | 92 |
| Net loans and leases to deposits | 106.3418% | 327 |
| Net loans and leases to core deposits | 114.1513% | 665 |
| Total domestic deposits to total assets | 83.3727% | 3,760 |
| Equity capital to assets | 11.0718% | 2,861 |
| Core capital (leverage) ratio | 11.2717% | 2,170 |
| Tier 1 risk-based capital ratio | 12.9865% | 4,277 |
| Total risk-based capital ratio | 14.2410% | 4,189 |
| Memoranda: | ||
| Average total assets | $161,436,000 | 3,427 |
| Average earning assets | $151,952,000 | 3,396 |
| Average equity | $18,017,500 | 3,432 |
| Average total loans | $147,567,000 | 2,686 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8364% | 162 |
| Cost of funding earning assets | 0.4492% | 2,632 |
| Net interest margin | 5.3872% | 150 |
| Noninterest income to average assets | 0.5874% | 2,787 |
| Noninterest expense to average assets | 3.5682% | 1,182 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.0775% | 305 |
| Return on assets (ROA) | 2.0775% | 313 |
| Pretax return on assets | 2.0775% | 453 |
| Return on Equity (ROE) | 18.9929% | 312 |
| Retained earnings to average equity (ytd only) | 3.0354% | 3,892 |
| Net charge-offs to loans | 0.0089% | 4,140 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 256.5385% | 277 |
| Efficiency ratio | 63.2020% | 4,408 |
| Assets per employee ($millions) | 2.8938% | 5,619 |
| Cash dividends to net income (ytd only)* | 84.0180% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 1,891 |
| Loan loss allowance to noncurrent loans | 52.3998% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 2.6967% | 543 |
| Noncurrent loans to loans | 2.9052% | 569 |
| Net loans and leases to total assets | 91.4098% | 36 |
| Net loans and leases to deposits | 106.9231% | 331 |
| Net loans and leases to core deposits | 114.3829% | 666 |
| Total domestic deposits to total assets | 85.4912% | 2,866 |
| Equity capital to assets | 11.2523% | 2,584 |
| Core capital (leverage) ratio | 11.0595% | 2,338 |
| Tier 1 risk-based capital ratio | 12.7472% | 4,480 |
| Total risk-based capital ratio | 14.0013% | 4,381 |
| Memoranda: | ||
| Average total assets | $160,528,200 | 3,424 |
| Average earning assets | $150,727,000 | 3,392 |
| Average equity | $17,559,200 | 3,446 |
| Average total loans | $145,495,200 | 2,659 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8332% | 165 |
| Cost of funding earning assets | 0.4505% | 2,679 |
| Net interest margin | 5.3827% | 148 |
| Noninterest income to average assets | 0.5561% | 3,015 |
| Noninterest expense to average assets | 3.5605% | 1,176 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.0463% | 335 |
| Return on assets (ROA) | 2.0463% | 352 |
| Pretax return on assets | 2.0463% | 547 |
| Return on Equity (ROE) | 18.8414% | 348 |
| Retained earnings to average equity (ytd only) | 2.4878% | 4,632 |
| Net charge-offs to loans | -0.0018% | 4,696 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5033% | 4,334 |
| Assets per employee ($millions) | 3.0241% | 5,520 |
| Cash dividends to net income (ytd only)* | 86.7962% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5361% | 2,011 |
| Loan loss allowance to noncurrent loans | 52.3347% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 2.6491% | 624 |
| Noncurrent loans to loans | 2.9351% | 616 |
| Net loans and leases to total assets | 88.8702% | 97 |
| Net loans and leases to deposits | 103.3912% | 480 |
| Net loans and leases to core deposits | 109.7428% | 890 |
| Total domestic deposits to total assets | 85.9553% | 2,545 |
| Equity capital to assets | 10.8408% | 3,201 |
| Core capital (leverage) ratio | 10.7754% | 2,741 |
| Tier 1 risk-based capital ratio | 12.6080% | 4,676 |
| Total risk-based capital ratio | 13.8622% | 4,580 |
| Memoranda: | ||
| Average total assets | $160,870,500 | 3,452 |
| Average earning assets | $150,948,500 | 3,415 |
| Average equity | $17,471,750 | 3,486 |
| Average total loans | $144,935,000 | 2,682 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7466% | 180 |
| Cost of funding earning assets | 0.4458% | 2,776 |
| Net interest margin | 5.3007% | 161 |
| Noninterest income to average assets | 0.5423% | 3,094 |
| Noninterest expense to average assets | 3.5199% | 1,269 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.9992% | 364 |
| Return on assets (ROA) | 1.9992% | 378 |
| Pretax return on assets | 1.9992% | 592 |
| Return on Equity (ROE) | 18.3964% | 386 |
| Retained earnings to average equity (ytd only) | 1.3337% | 5,015 |
| Net charge-offs to loans | -0.0014% | 4,560 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7763% | 4,391 |
| Assets per employee ($millions) | 3.0467% | 5,538 |
| Cash dividends to net income (ytd only)* | 92.7500% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5209% | 2,205 |
| Loan loss allowance to noncurrent loans | 52.3358% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 2.6282% | 696 |
| Noncurrent loans to loans | 2.9060% | 698 |
| Net loans and leases to total assets | 89.0636% | 97 |
| Net loans and leases to deposits | 107.0851% | 333 |
| Net loans and leases to core deposits | 113.8370% | 673 |
| Total domestic deposits to total assets | 83.1708% | 3,880 |
| Equity capital to assets | 10.6325% | 3,286 |
| Core capital (leverage) ratio | 10.7101% | 2,721 |
| Tier 1 risk-based capital ratio | 12.3992% | 4,876 |
| Total risk-based capital ratio | 13.6538% | 4,784 |
| Memoranda: | ||
| Average total assets | $160,060,670 | 3,485 |
| Average earning assets | $150,281,330 | 3,455 |
| Average equity | $17,394,670 | 3,510 |
| Average total loans | $144,117,000 | 2,699 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7379% | 181 |
| Cost of funding earning assets | 0.4326% | 2,949 |
| Net interest margin | 5.3052% | 155 |
| Noninterest income to average assets | 0.5018% | 3,273 |
| Noninterest expense to average assets | 3.5456% | 1,220 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.9287% | 387 |
| Return on assets (ROA) | 1.9287% | 408 |
| Pretax return on assets | 1.9287% | 680 |
| Return on Equity (ROE) | 17.5492% | 429 |
| Retained earnings to average equity (ytd only) | -1.4528% | 5,611 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7685% | 4,352 |
| Assets per employee ($millions) | 2.9704% | 5,710 |
| Cash dividends to net income (ytd only)* | 108.2786% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6130% | 2,006 |
| Loan loss allowance to noncurrent loans | 58.7380% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 2.7001% | 748 |
| Noncurrent loans to loans | 2.7461% | 851 |
| Net loans and leases to total assets | 86.0171% | 186 |
| Net loans and leases to deposits | 103.7508% | 379 |
| Net loans and leases to core deposits | 109.6102% | 761 |
| Total domestic deposits to total assets | 82.9074% | 4,199 |
| Equity capital to assets | 10.7941% | 3,198 |
| Core capital (leverage) ratio | 10.9752% | 2,437 |
| Tier 1 risk-based capital ratio | 12.8535% | 4,693 |
| Total risk-based capital ratio | 14.1081% | 4,598 |
| Memoranda: | ||
| Average total assets | $157,829,000 | 3,545 |
| Average earning assets | $147,929,500 | 3,503 |
| Average equity | $17,345,500 | 3,545 |
| Average total loans | $141,778,500 | 2,736 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1481% | 130 |
| Cost of funding earning assets | 0.4297% | 3,385 |
| Net interest margin | 5.7184% | 99 |
| Noninterest income to average assets | 0.6324% | 2,660 |
| Noninterest expense to average assets | 3.8234% | 955 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.0867% | 281 |
| Return on assets (ROA) | 2.0867% | 289 |
| Pretax return on assets | 2.0867% | 422 |
| Return on Equity (ROE) | 17.9925% | 394 |
| Retained earnings to average equity (ytd only) | 5.6831% | 2,145 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6923% | 4,458 |
| Assets per employee ($millions) | 2.8228% | 5,908 |
| Cash dividends to net income (ytd only)* | 68.4142% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5783% | 2,160 |
| Loan loss allowance to noncurrent loans | 64.3162% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 2.5906% | 875 |
| Noncurrent loans to loans | 2.4539% | 1,042 |
| Net loans and leases to total assets | 90.8563% | 50 |
| Net loans and leases to deposits | 110.5244% | 223 |
| Net loans and leases to core deposits | 115.5199% | 542 |
| Total domestic deposits to total assets | 82.2048% | 4,346 |
| Equity capital to assets | 11.1926% | 2,707 |
| Core capital (leverage) ratio | 11.2821% | 2,153 |
| Tier 1 risk-based capital ratio | 13.0975% | 4,656 |
| Total risk-based capital ratio | 14.3525% | 4,580 |
| Memoranda: | ||
| Average total assets | $146,257,600 | 3,687 |
| Average earning assets | $134,985,000 | 3,676 |
| Average equity | $16,962,600 | 3,531 |
| Average total loans | $133,239,200 | 2,803 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2205% | 122 |
| Cost of funding earning assets | 0.4373% | 3,393 |
| Net interest margin | 5.7832% | 97 |
| Noninterest income to average assets | 0.6138% | 2,783 |
| Noninterest expense to average assets | 3.8275% | 934 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.0998% | 282 |
| Return on assets (ROA) | 2.0998% | 292 |
| Pretax return on assets | 2.0998% | 460 |
| Return on Equity (ROE) | 17.9365% | 454 |
| Retained earnings to average equity (ytd only) | 6.6432% | 2,019 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5736% | 4,451 |
| Assets per employee ($millions) | 2.7675% | 6,010 |
| Cash dividends to net income (ytd only)* | 62.9630% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6372% | 2,178 |
| Loan loss allowance to noncurrent loans | 60.5785% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 2.8398% | 855 |
| Noncurrent loans to loans | 2.7026% | 1,052 |
| Net loans and leases to total assets | 90.9379% | 42 |
| Net loans and leases to deposits | 112.4978% | 174 |
| Net loans and leases to core deposits | 117.9232% | 438 |
| Total domestic deposits to total assets | 80.8352% | 4,869 |
| Equity capital to assets | 11.5440% | 2,438 |
| Core capital (leverage) ratio | 11.8449% | 1,799 |
| Tier 1 risk-based capital ratio | 13.5185% | 4,528 |
| Total risk-based capital ratio | 14.7746% | 4,465 |
| Memoranda: | ||
| Average total assets | $144,008,250 | 3,762 |
| Average earning assets | $132,311,750 | 3,744 |
| Average equity | $16,859,000 | 3,560 |
| Average total loans | $130,718,750 | 2,863 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3831% | 99 |
| Cost of funding earning assets | 0.4272% | 3,579 |
| Net interest margin | 5.9559% | 85 |
| Noninterest income to average assets | 0.5823% | 2,911 |
| Noninterest expense to average assets | 3.8370% | 926 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.1970% | 230 |
| Return on assets (ROA) | 2.1970% | 236 |
| Pretax return on assets | 2.1970% | 363 |
| Return on Equity (ROE) | 18.6753% | 391 |
| Retained earnings to average equity (ytd only) | 8.1779% | 1,259 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5897% | 4,754 |
| Assets per employee ($millions) | 2.9376% | 5,847 |
| Cash dividends to net income (ytd only)* | 56.2100% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6761% | 2,203 |
| Loan loss allowance to noncurrent loans | 57.5573% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 2.9630% | 864 |
| Noncurrent loans to loans | 2.9120% | 1,018 |
| Net loans and leases to total assets | 88.5720% | 79 |
| Net loans and leases to deposits | 108.3348% | 238 |
| Net loans and leases to core deposits | 135.7494% | 172 |
| Total domestic deposits to total assets | 81.7576% | 4,733 |
| Equity capital to assets | 11.4120% | 2,506 |
| Core capital (leverage) ratio | 11.7003% | 1,853 |
| Tier 1 risk-based capital ratio | 13.4988% | 4,579 |
| Total risk-based capital ratio | 14.7549% | 4,520 |
| Memoranda: | ||
| Average total assets | $142,195,670 | 3,815 |
| Average earning assets | $130,156,670 | 3,807 |
| Average equity | $16,728,000 | 3,576 |
| Average total loans | $128,236,670 | 2,894 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2106% | 113 |
| Cost of funding earning assets | 0.4218% | 3,741 |
| Net interest margin | 5.7888% | 99 |
| Noninterest income to average assets | 0.5521% | 3,035 |
| Noninterest expense to average assets | 3.8443% | 926 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.0233% | 328 |
| Return on assets (ROA) | 2.0233% | 341 |
| Pretax return on assets | 2.0233% | 507 |
| Return on Equity (ROE) | 16.9251% | 541 |
| Retained earnings to average equity (ytd only) | 6.3106% | 2,374 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5172% | 4,605 |
| Assets per employee ($millions) | 2.6948% | 6,207 |
| Cash dividends to net income (ytd only)* | 62.7143% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7442% | 2,210 |
| Loan loss allowance to noncurrent loans | 360.7656% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.9235% | 3,424 |
| Noncurrent loans to loans | 0.4835% | 4,708 |
| Net loans and leases to total assets | 89.2169% | 56 |
| Net loans and leases to deposits | 105.3309% | 251 |
| Net loans and leases to core deposits | 123.0781% | 276 |
| Total domestic deposits to total assets | 84.7016% | 4,003 |
| Equity capital to assets | 11.6744% | 2,116 |
| Core capital (leverage) ratio | 11.7377% | 1,812 |
| Tier 1 risk-based capital ratio | 13.3455% | 4,801 |
| Total risk-based capital ratio | 14.5981% | 4,731 |
| Memoranda: | ||
| Average total assets | $138,385,500 | 3,912 |
| Average earning assets | $127,072,500 | 3,904 |
| Average equity | $16,543,500 | 3,611 |
| Average total loans | $124,876,500 | 2,972 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7630% | 241 |
| Cost of funding earning assets | 0.5658% | 2,970 |
| Net interest margin | 5.1973% | 216 |
| Noninterest income to average assets | 0.6505% | 2,803 |
| Noninterest expense to average assets | 3.9648% | 905 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4116% | 1,000 |
| Return on assets (ROA) | 1.4116% | 1,041 |
| Pretax return on assets | 1.4116% | 1,746 |
| Return on Equity (ROE) | 12.4737% | 1,288 |
| Retained earnings to average equity (ytd only) | 5.2872% | 2,427 |
| Net charge-offs to loans | -0.0052% | 5,937 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7449% | 3,171 |
| Assets per employee ($millions) | 2.4805% | 6,416 |
| Cash dividends to net income (ytd only)* | 57.6136% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8839% | 1,818 |
| Loan loss allowance to noncurrent loans | 415.0459% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.9720% | 3,475 |
| Noncurrent loans to loans | 0.4539% | 4,859 |
| Net loans and leases to total assets | 87.9496% | 90 |
| Net loans and leases to deposits | 104.8451% | 297 |
| Net loans and leases to core deposits | 126.7020% | 230 |
| Total domestic deposits to total assets | 83.8853% | 4,207 |
| Equity capital to assets | 12.2534% | 1,649 |
| Core capital (leverage) ratio | 12.2868% | 1,453 |
| Tier 1 risk-based capital ratio | 14.2041% | 4,151 |
| Total risk-based capital ratio | 15.4408% | 4,104 |
| Memoranda: | ||
| Average total assets | $141,899,800 | 3,846 |
| Average earning assets | $129,029,200 | 3,867 |
| Average equity | $16,057,800 | 3,690 |
| Average total loans | $115,077,400 | 3,148 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6358% | 305 |
| Cost of funding earning assets | 0.5810% | 2,986 |
| Net interest margin | 5.0547% | 290 |
| Noninterest income to average assets | 0.6338% | 2,964 |
| Noninterest expense to average assets | 3.9076% | 957 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3130% | 1,315 |
| Return on assets (ROA) | 1.3130% | 1,372 |
| Pretax return on assets | 1.3130% | 2,289 |
| Return on Equity (ROE) | 11.8310% | 1,531 |
| Retained earnings to average equity (ytd only) | 5.4104% | 2,791 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8491% | 2,935 |
| Assets per employee ($millions) | 2.3829% | 6,552 |
| Cash dividends to net income (ytd only)* | 54.2696% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9507% | 1,851 |
| Loan loss allowance to noncurrent loans | 67.9928% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 3.1137% | 1,172 |
| Noncurrent loans to loans | 2.8690% | 1,434 |
| Net loans and leases to total assets | 84.9757% | 189 |
| Net loans and leases to deposits | 103.5533% | 316 |
| Net loans and leases to core deposits | 123.5240% | 270 |
| Total domestic deposits to total assets | 82.0599% | 4,909 |
| Equity capital to assets | 12.1489% | 1,825 |
| Core capital (leverage) ratio | 11.9370% | 1,711 |
| Tier 1 risk-based capital ratio | 14.5161% | 4,064 |
| Total risk-based capital ratio | 15.7750% | 4,014 |
| Memoranda: | ||
| Average total assets | $143,888,250 | 3,843 |
| Average earning assets | $130,567,750 | 3,871 |
| Average equity | $15,969,000 | 3,746 |
| Average total loans | $113,830,000 | 3,188 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5787% | 336 |
| Cost of funding earning assets | 0.5998% | 2,942 |
| Net interest margin | 4.9789% | 322 |
| Noninterest income to average assets | 0.6935% | 2,673 |
| Noninterest expense to average assets | 3.9303% | 944 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2920% | 1,342 |
| Return on assets (ROA) | 1.2920% | 1,437 |
| Pretax return on assets | 1.2920% | 2,329 |
| Return on Equity (ROE) | 11.9839% | 1,499 |
| Retained earnings to average equity (ytd only) | 7.1375% | 1,828 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2599% | 2,901 |
| Assets per employee ($millions) | 2.3991% | 6,577 |
| Cash dividends to net income (ytd only)* | 40.4412% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9355% | 2,001 |
| Loan loss allowance to noncurrent loans | 70.8098% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 2.9365% | 1,388 |
| Noncurrent loans to loans | 2.7334% | 1,665 |
| Net loans and leases to total assets | 82.1441% | 351 |
| Net loans and leases to deposits | 99.1301% | 473 |
| Net loans and leases to core deposits | 122.7881% | 277 |
| Total domestic deposits to total assets | 82.8649% | 4,752 |
| Equity capital to assets | 11.5928% | 2,223 |
| Core capital (leverage) ratio | 11.3848% | 2,030 |
| Tier 1 risk-based capital ratio | 14.3026% | 4,222 |
| Total risk-based capital ratio | 15.5386% | 4,187 |
| Memoranda: | ||
| Average total assets | $147,369,670 | 3,815 |
| Average earning assets | $134,044,670 | 3,820 |
| Average equity | $15,888,000 | 3,784 |
| Average total loans | $113,223,000 | 3,206 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4852% | 379 |
| Cost of funding earning assets | 0.6301% | 2,845 |
| Net interest margin | 4.8551% | 366 |
| Noninterest income to average assets | 0.5228% | 3,618 |
| Noninterest expense to average assets | 3.8685% | 1,036 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0694% | 1,967 |
| Return on assets (ROA) | 1.0694% | 2,080 |
| Pretax return on assets | 1.0694% | 3,080 |
| Return on Equity (ROE) | 10.2750% | 1,965 |
| Retained earnings to average equity (ytd only) | 10.2750% | 1,039 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3422% | 2,560 |
| Assets per employee ($millions) | 2.5670% | 6,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0049% | 2,029 |
| Loan loss allowance to noncurrent loans | 78.6337% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 2.8646% | 1,573 |
| Noncurrent loans to loans | 2.5497% | 2,024 |
| Net loans and leases to total assets | 74.0604% | 1,068 |
| Net loans and leases to deposits | 88.0649% | 1,143 |
| Net loans and leases to core deposits | 110.7977% | 472 |
| Total domestic deposits to total assets | 84.0974% | 4,433 |
| Equity capital to assets | 10.7255% | 3,286 |
| Core capital (leverage) ratio | 10.4927% | 2,786 |
| Tier 1 risk-based capital ratio | 14.5761% | 4,122 |
| Total risk-based capital ratio | 15.8065% | 4,100 |
| Memoranda: | ||
| Average total assets | $151,481,000 | 3,780 |
| Average earning assets | $137,752,000 | 3,798 |
| Average equity | $15,766,500 | 3,856 |
| Average total loans | $111,556,000 | 3,258 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6387% | 478 |
| Cost of funding earning assets | 0.8158% | 2,538 |
| Net interest margin | 4.8228% | 523 |
| Noninterest income to average assets | 0.3675% | 4,846 |
| Noninterest expense to average assets | 3.6872% | 1,436 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0360% | 2,183 |
| Return on assets (ROA) | 1.0360% | 2,384 |
| Pretax return on assets | 1.0360% | 3,409 |
| Return on Equity (ROE) | 11.0426% | 1,791 |
| Retained earnings to average equity (ytd only) | 6.5022% | 1,818 |
| Net charge-offs to loans | -0.0008% | 6,308 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0659% | 2,438 |
| Assets per employee ($millions) | 2.6564% | 6,472 |
| Cash dividends to net income (ytd only)* | 41.1171% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0400% | 1,915 |
| Loan loss allowance to noncurrent loans | 71.8700% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 3.7106% | 1,200 |
| Noncurrent loans to loans | 2.8384% | 1,851 |
| Net loans and leases to total assets | 70.3123% | 1,781 |
| Net loans and leases to deposits | 83.0698% | 1,876 |
| Net loans and leases to core deposits | 94.5454% | 1,424 |
| Total domestic deposits to total assets | 84.6424% | 4,019 |
| Equity capital to assets | 10.1016% | 4,035 |
| Core capital (leverage) ratio | 9.7723% | 3,694 |
| Tier 1 risk-based capital ratio | 14.6664% | 3,918 |
| Total risk-based capital ratio | 15.9273% | 3,869 |
| Memoranda: | ||
| Average total assets | $162,455,200 | 3,575 |
| Average earning assets | $146,719,400 | 3,612 |
| Average equity | $15,241,000 | 3,904 |
| Average total loans | $125,416,800 | 2,975 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7996% | 398 |
| Cost of funding earning assets | 0.8562% | 2,490 |
| Net interest margin | 4.9434% | 441 |
| Noninterest income to average assets | 0.3192% | 5,233 |
| Noninterest expense to average assets | 3.6640% | 1,425 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0995% | 2,086 |
| Return on assets (ROA) | 1.0995% | 2,286 |
| Pretax return on assets | 1.0995% | 3,353 |
| Return on Equity (ROE) | 11.9344% | 1,658 |
| Retained earnings to average equity (ytd only) | 9.5159% | 1,061 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9178% | 2,533 |
| Assets per employee ($millions) | 2.7489% | 6,433 |
| Cash dividends to net income (ytd only)* | 20.2654% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9442% | 2,346 |
| Loan loss allowance to noncurrent loans | 78.6262% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 3.8122% | 1,289 |
| Noncurrent loans to loans | 2.4727% | 2,327 |
| Net loans and leases to total assets | 70.1223% | 1,891 |
| Net loans and leases to deposits | 81.9894% | 2,119 |
| Net loans and leases to core deposits | 93.6851% | 1,609 |
| Total domestic deposits to total assets | 85.5261% | 3,497 |
| Equity capital to assets | 9.6524% | 4,988 |
| Core capital (leverage) ratio | 9.3856% | 4,454 |
| Tier 1 risk-based capital ratio | 13.9168% | 4,591 |
| Total risk-based capital ratio | 15.1845% | 4,533 |
| Memoranda: | ||
| Average total assets | $164,550,500 | 3,576 |
| Average earning assets | $147,936,500 | 3,629 |
| Average equity | $15,160,250 | 3,960 |
| Average total loans | $129,123,750 | 2,933 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9301% | 332 |
| Cost of funding earning assets | 0.8868% | 2,512 |
| Net interest margin | 5.0433% | 373 |
| Noninterest income to average assets | 0.1972% | 6,148 |
| Noninterest expense to average assets | 3.6386% | 1,492 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0923% | 2,069 |
| Return on assets (ROA) | 1.0923% | 2,293 |
| Pretax return on assets | 1.0923% | 3,330 |
| Return on Equity (ROE) | 12.0437% | 1,654 |
| Retained earnings to average equity (ytd only) | 12.0437% | 574 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9113% | 2,611 |
| Assets per employee ($millions) | 2.8038% | 6,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7802% | 2,922 |
| Loan loss allowance to noncurrent loans | 35.7653% | 5,882 |
| Noncurrent assets plus other real estate owned to assets | 7.4826% | 485 |
| Noncurrent loans to loans | 4.9774% | 998 |
| Net loans and leases to total assets | 75.2110% | 1,075 |
| Net loans and leases to deposits | 90.7809% | 1,070 |
| Net loans and leases to core deposits | 106.7737% | 710 |
| Total domestic deposits to total assets | 82.8489% | 4,806 |
| Equity capital to assets | 9.3554% | 5,254 |
| Core capital (leverage) ratio | 9.4338% | 4,245 |
| Tier 1 risk-based capital ratio | 12.3911% | 5,657 |
| Total risk-based capital ratio | 13.6530% | 5,626 |
| Memoranda: | ||
| Average total assets | $165,338,000 | 3,580 |
| Average earning assets | $148,632,330 | 3,627 |
| Average equity | $14,995,330 | 3,988 |
| Average total loans | $133,503,330 | 2,865 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6563% | 563 |
| Cost of funding earning assets | 0.9202% | 2,518 |
| Net interest margin | 4.7361% | 643 |
| Noninterest income to average assets | 0.1863% | 6,266 |
| Noninterest expense to average assets | 3.5403% | 1,681 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8808% | 3,014 |
| Return on assets (ROA) | 0.8808% | 3,235 |
| Pretax return on assets | 0.8808% | 4,105 |
| Return on Equity (ROE) | 9.8678% | 2,446 |
| Retained earnings to average equity (ytd only) | 9.8678% | 1,299 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0766% | 2,194 |
| Assets per employee ($millions) | 2.8772% | 6,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6579% | 3,508 |
| Loan loss allowance to noncurrent loans | 27.2014% | 6,295 |
| Noncurrent assets plus other real estate owned to assets | 7.7025% | 514 |
| Noncurrent loans to loans | 6.0950% | 823 |
| Net loans and leases to total assets | 81.5614% | 299 |
| Net loans and leases to deposits | 98.2027% | 435 |
| Net loans and leases to core deposits | 116.1617% | 379 |
| Total domestic deposits to total assets | 83.0541% | 4,901 |
| Equity capital to assets | 9.1080% | 5,346 |
| Core capital (leverage) ratio | 9.0070% | 4,831 |
| Tier 1 risk-based capital ratio | 11.2477% | 6,419 |
| Total risk-based capital ratio | 12.5105% | 6,388 |
| Memoranda: | ||
| Average total assets | $165,295,000 | 3,593 |
| Average earning assets | $147,800,500 | 3,662 |
| Average equity | $14,755,000 | 4,042 |
| Average total loans | $136,919,000 | 2,827 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6554% | 149 |
| Cost of funding earning assets | 1.0471% | 3,043 |
| Net interest margin | 5.6083% | 153 |
| Noninterest income to average assets | 0.4572% | 4,166 |
| Noninterest expense to average assets | 3.7446% | 1,454 |
| Loan and lease loss provision to assets | 0.5626% | 1,856 |
| Net operating income to assets | 1.2377% | 1,409 |
| Return on assets (ROA) | 1.2377% | 1,513 |
| Pretax return on assets | 1.2377% | 2,331 |
| Return on Equity (ROE) | 13.9957% | 930 |
| Retained earnings to average equity (ytd only) | 2.9598% | 4,131 |
| Net charge-offs to loans | 0.1553% | 4,901 |
| Credit loss provision to net charge-offs | 426.0090% | 536 |
| Earnings coverage of net charge-offs (x) | 13.6323% | 1,526 |
| Efficiency ratio | 67.5318% | 4,459 |
| Assets per employee ($millions) | 2.7310% | 6,561 |
| Cash dividends to net income (ytd only)* | 78.8517% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6361% | 3,439 |
| Loan loss allowance to noncurrent loans | 55.2696% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 6.1149% | 796 |
| Noncurrent loans to loans | 2.9603% | 2,192 |
| Net loans and leases to total assets | 81.3779% | 383 |
| Net loans and leases to deposits | 98.8033% | 513 |
| Net loans and leases to core deposits | 121.2700% | 333 |
| Total domestic deposits to total assets | 82.3635% | 5,006 |
| Equity capital to assets | 8.7477% | 5,851 |
| Core capital (leverage) ratio | 8.6434% | 5,325 |
| Tier 1 risk-based capital ratio | 10.6745% | 6,619 |
| Total risk-based capital ratio | 11.9292% | 6,586 |
| Memoranda: | ||
| Average total assets | $168,858,200 | 3,512 |
| Average earning assets | $153,184,000 | 3,527 |
| Average equity | $14,933,200 | 3,924 |
| Average total loans | $143,619,600 | 2,729 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7305% | 144 |
| Cost of funding earning assets | 1.0710% | 3,173 |
| Net interest margin | 5.6595% | 142 |
| Noninterest income to average assets | 0.6477% | 2,898 |
| Noninterest expense to average assets | 3.7648% | 1,372 |
| Loan and lease loss provision to assets | 0.1180% | 4,957 |
| Net operating income to assets | 1.9257% | 406 |
| Return on assets (ROA) | 1.9257% | 438 |
| Pretax return on assets | 1.9257% | 736 |
| Return on Equity (ROE) | 21.7169% | 229 |
| Retained earnings to average equity (ytd only) | 11.9634% | 501 |
| Net charge-offs to loans | 0.1801% | 4,357 |
| Credit loss provision to net charge-offs | 76.5306% | 4,257 |
| Earnings coverage of net charge-offs (x) | 13.2498% | 1,634 |
| Efficiency ratio | 64.8151% | 4,931 |
| Assets per employee ($millions) | 2.7248% | 6,618 |
| Cash dividends to net income (ytd only)* | 44.9122% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0473% | 6,062 |
| Loan loss allowance to noncurrent loans | 39.6151% | 5,647 |
| Noncurrent assets plus other real estate owned to assets | 3.8026% | 1,629 |
| Noncurrent loans to loans | 2.6438% | 2,630 |
| Net loans and leases to total assets | 82.8819% | 301 |
| Net loans and leases to deposits | 101.7817% | 399 |
| Net loans and leases to core deposits | 125.0192% | 297 |
| Total domestic deposits to total assets | 81.4311% | 5,281 |
| Equity capital to assets | 9.1625% | 5,567 |
| Core capital (leverage) ratio | 8.9547% | 5,007 |
| Tier 1 risk-based capital ratio | 11.1498% | 6,458 |
| Total risk-based capital ratio | 12.2174% | 6,536 |
| Memoranda: | ||
| Average total assets | $169,424,750 | 3,528 |
| Average earning assets | $154,497,250 | 3,521 |
| Average equity | $15,023,250 | 3,917 |
| Average total loans | $145,068,500 | 2,728 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7309% | 155 |
| Cost of funding earning assets | 1.0726% | 3,449 |
| Net interest margin | 5.6583% | 139 |
| Noninterest income to average assets | 0.6864% | 2,619 |
| Noninterest expense to average assets | 3.7609% | 1,422 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.1016% | 299 |
| Return on assets (ROA) | 2.1016% | 307 |
| Pretax return on assets | 2.1016% | 490 |
| Return on Equity (ROE) | 23.9656% | 162 |
| Retained earnings to average equity (ytd only) | 16.5822% | 181 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1521% | 5,211 |
| Assets per employee ($millions) | 2.7995% | 6,471 |
| Cash dividends to net income (ytd only)* | 30.8081% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0257% | 6,235 |
| Loan loss allowance to noncurrent loans | 23.1270% | 6,611 |
| Noncurrent assets plus other real estate owned to assets | 5.2054% | 1,167 |
| Noncurrent loans to loans | 4.4351% | 1,506 |
| Net loans and leases to total assets | 84.9483% | 180 |
| Net loans and leases to deposits | 107.4109% | 229 |
| Net loans and leases to core deposits | 131.8925% | 254 |
| Total domestic deposits to total assets | 79.0873% | 6,064 |
| Equity capital to assets | 8.8518% | 5,763 |
| Core capital (leverage) ratio | 8.9588% | 4,789 |
| Tier 1 risk-based capital ratio | 10.6139% | 6,747 |
| Total risk-based capital ratio | 11.6695% | 6,814 |
| Memoranda: | ||
| Average total assets | $169,587,000 | 3,546 |
| Average earning assets | $155,134,670 | 3,540 |
| Average equity | $14,871,330 | 3,930 |
| Average total loans | $146,257,670 | 2,741 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1094% | 100 |
| Cost of funding earning assets | 1.0998% | 3,521 |
| Net interest margin | 6.0096% | 98 |
| Noninterest income to average assets | 0.6349% | 2,932 |
| Noninterest expense to average assets | 3.7805% | 1,371 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.3581% | 210 |
| Return on assets (ROA) | 2.3581% | 218 |
| Pretax return on assets | 2.3581% | 308 |
| Return on Equity (ROE) | 27.0222% | 120 |
| Retained earnings to average equity (ytd only) | 27.0222% | 80 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5863% | 5,744 |
| Assets per employee ($millions) | 2.7567% | 6,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0425% | 6,243 |
| Loan loss allowance to noncurrent loans | 34.3062% | 5,999 |
| Noncurrent assets plus other real estate owned to assets | 4.0692% | 1,644 |
| Noncurrent loans to loans | 3.0387% | 2,473 |
| Net loans and leases to total assets | 84.8652% | 182 |
| Net loans and leases to deposits | 107.5608% | 223 |
| Net loans and leases to core deposits | 131.0478% | 260 |
| Total domestic deposits to total assets | 78.8997% | 6,218 |
| Equity capital to assets | 8.8458% | 5,421 |
| Core capital (leverage) ratio | 9.1837% | 4,318 |
| Tier 1 risk-based capital ratio | 10.6896% | 6,693 |
| Total risk-based capital ratio | 11.7700% | 6,780 |
| Memoranda: | ||
| Average total assets | $167,596,000 | 3,598 |
| Average earning assets | $153,487,000 | 3,587 |
| Average equity | $14,625,000 | 3,970 |
| Average total loans | $144,900,500 | 2,790 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9938% | 857 |
| Cost of funding earning assets | 1.3755% | 3,423 |
| Net interest margin | 4.6183% | 975 |
| Noninterest income to average assets | 0.8653% | 1,995 |
| Noninterest expense to average assets | 3.6825% | 1,745 |
| Loan and lease loss provision to assets | 0.6013% | 2,729 |
| Net operating income to assets | 0.8839% | 2,453 |
| Return on assets (ROA) | 0.8839% | 2,587 |
| Pretax return on assets | 0.8839% | 3,361 |
| Return on Equity (ROE) | 10.0417% | 1,914 |
| Retained earnings to average equity (ytd only) | -1.2228% | 5,842 |
| Net charge-offs to loans | 0.5662% | 3,353 |
| Credit loss provision to net charge-offs | 124.0695% | 3,329 |
| Earnings coverage of net charge-offs (x) | 3.0645% | 3,541 |
| Efficiency ratio | 71.2590% | 3,940 |
| Assets per employee ($millions) | 2.6496% | 6,768 |
| Cash dividends to net income (ytd only)* | 112.1769% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0669% | 6,086 |
| Loan loss allowance to noncurrent loans | 16.3931% | 6,936 |
| Noncurrent assets plus other real estate owned to assets | 7.1715% | 749 |
| Noncurrent loans to loans | 6.5080% | 921 |
| Net loans and leases to total assets | 86.2554% | 175 |
| Net loans and leases to deposits | 115.2375% | 155 |
| Net loans and leases to core deposits | 138.7109% | 237 |
| Total domestic deposits to total assets | 74.8501% | 6,790 |
| Equity capital to assets | 8.6020% | 5,719 |
| Core capital (leverage) ratio | 8.5342% | 5,294 |
| Tier 1 risk-based capital ratio | 10.2823% | 6,828 |
| Total risk-based capital ratio | 11.3942% | 6,886 |
| Memoranda: | ||
| Average total assets | $166,301,800 | 3,604 |
| Average earning assets | $154,925,600 | 3,547 |
| Average equity | $14,639,000 | 4,007 |
| Average total loans | $142,365,000 | 2,896 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9605% | 1,010 |
| Cost of funding earning assets | 1.4077% | 3,540 |
| Net interest margin | 4.5529% | 1,146 |
| Noninterest income to average assets | 0.7665% | 2,411 |
| Noninterest expense to average assets | 3.6808% | 1,612 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.3436% | 1,245 |
| Return on assets (ROA) | 1.3436% | 1,321 |
| Pretax return on assets | 1.3436% | 2,058 |
| Return on Equity (ROE) | 15.1787% | 827 |
| Retained earnings to average equity (ytd only) | 5.2552% | 2,810 |
| Net charge-offs to loans | 0.0431% | 6,106 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 36.5446% | 747 |
| Efficiency ratio | 73.2580% | 3,472 |
| Assets per employee ($millions) | 2.8201% | 6,548 |
| Cash dividends to net income (ytd only)* | 65.3778% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9058% | 6,727 |
| Loan loss allowance to noncurrent loans | 11.2973% | 7,162 |
| Noncurrent assets plus other real estate owned to assets | 6.8521% | 798 |
| Noncurrent loans to loans | 8.0176% | 646 |
| Net loans and leases to total assets | 84.6893% | 285 |
| Net loans and leases to deposits | 113.3562% | 198 |
| Net loans and leases to core deposits | 135.2478% | 310 |
| Total domestic deposits to total assets | 74.7108% | 6,826 |
| Equity capital to assets | 8.9502% | 5,649 |
| Core capital (leverage) ratio | 8.7870% | 5,034 |
| Tier 1 risk-based capital ratio | 11.0037% | 6,382 |
| Total risk-based capital ratio | 11.9554% | 6,616 |
| Memoranda: | ||
| Average total assets | $166,808,500 | 3,641 |
| Average earning assets | $155,999,750 | 3,572 |
| Average equity | $14,766,000 | 4,042 |
| Average total loans | $142,150,250 | 2,941 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1551% | 681 |
| Cost of funding earning assets | 1.4278% | 3,692 |
| Net interest margin | 4.7273% | 776 |
| Noninterest income to average assets | 0.7943% | 2,147 |
| Noninterest expense to average assets | 3.7473% | 1,455 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.4615% | 975 |
| Return on assets (ROA) | 1.4615% | 1,038 |
| Pretax return on assets | 1.4615% | 1,666 |
| Return on Equity (ROE) | 16.5716% | 620 |
| Retained earnings to average equity (ytd only) | 9.1144% | 1,073 |
| Net charge-offs to loans | 0.0366% | 5,846 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 46.9231% | 634 |
| Efficiency ratio | 71.9411% | 3,821 |
| Assets per employee ($millions) | 2.7966% | 6,574 |
| Cash dividends to net income (ytd only)* | 45.0000% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9051% | 6,741 |
| Loan loss allowance to noncurrent loans | 26.6341% | 6,571 |
| Noncurrent assets plus other real estate owned to assets | 2.8323% | 2,547 |
| Noncurrent loans to loans | 3.3984% | 2,343 |
| Net loans and leases to total assets | 82.5892% | 478 |
| Net loans and leases to deposits | 109.1179% | 298 |
| Net loans and leases to core deposits | 127.7036% | 471 |
| Total domestic deposits to total assets | 75.6880% | 6,751 |
| Equity capital to assets | 8.6400% | 5,956 |
| Core capital (leverage) ratio | 8.9387% | 4,699 |
| Tier 1 risk-based capital ratio | 10.9753% | 6,261 |
| Total risk-based capital ratio | 11.9329% | 6,534 |
| Memoranda: | ||
| Average total assets | $166,949,000 | 3,650 |
| Average earning assets | $155,902,330 | 3,602 |
| Average equity | $14,724,000 | 4,044 |
| Average total loans | $142,133,670 | 2,973 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0650% | 847 |
| Cost of funding earning assets | 1.4650% | 3,776 |
| Net interest margin | 4.6001% | 951 |
| Noninterest income to average assets | 1.0041% | 1,293 |
| Noninterest expense to average assets | 3.8821% | 1,206 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3950% | 1,086 |
| Return on assets (ROA) | 1.3950% | 1,161 |
| Pretax return on assets | 1.3950% | 1,791 |
| Return on Equity (ROE) | 15.6487% | 774 |
| Retained earnings to average equity (ytd only) | 15.6487% | 364 |
| Net charge-offs to loans | 0.0255% | 5,214 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 63.4444% | 482 |
| Efficiency ratio | 73.5648% | 3,646 |
| Assets per employee ($millions) | 2.6794% | 6,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9248% | 6,757 |
| Loan loss allowance to noncurrent loans | 30.0590% | 6,397 |
| Noncurrent assets plus other real estate owned to assets | 2.6534% | 2,743 |
| Noncurrent loans to loans | 3.0765% | 2,604 |
| Net loans and leases to total assets | 85.4495% | 252 |
| Net loans and leases to deposits | 114.3289% | 207 |
| Net loans and leases to core deposits | 134.9312% | 395 |
| Total domestic deposits to total assets | 74.7401% | 6,940 |
| Equity capital to assets | 8.9577% | 5,339 |
| Core capital (leverage) ratio | 9.0353% | 4,502 |
| Tier 1 risk-based capital ratio | 10.9550% | 6,205 |
| Total risk-based capital ratio | 11.9305% | 6,448 |
| Memoranda: | ||
| Average total assets | $163,727,500 | 3,774 |
| Average earning assets | $152,085,000 | 3,722 |
| Average equity | $14,595,500 | 4,099 |
| Average total loans | $140,945,000 | 3,059 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4177% | 797 |
| Cost of funding earning assets | 1.6551% | 4,764 |
| Net interest margin | 4.7626% | 749 |
| Noninterest income to average assets | 1.3414% | 829 |
| Noninterest expense to average assets | 3.8253% | 1,649 |
| Loan and lease loss provision to assets | 0.2848% | 5,150 |
| Net operating income to assets | 1.7046% | 434 |
| Return on assets (ROA) | 1.7046% | 464 |
| Pretax return on assets | 1.7046% | 771 |
| Return on Equity (ROE) | 17.5841% | 401 |
| Retained earnings to average equity (ytd only) | 2.3916% | 3,451 |
| Net charge-offs to loans | 0.0261% | 6,883 |
| Credit loss provision to net charge-offs | 1,287.8788% | 234 |
| Earnings coverage of net charge-offs (x) | 89.9697% | 305 |
| Efficiency ratio | 65.7870% | 5,431 |
| Assets per employee ($millions) | 2.6888% | 6,874 |
| Cash dividends to net income (ytd only)* | 86.3994% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9624% | 6,572 |
| Loan loss allowance to noncurrent loans | 170.5882% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.4847% | 6,239 |
| Noncurrent loans to loans | 0.5642% | 6,116 |
| Net loans and leases to total assets | 85.0914% | 341 |
| Net loans and leases to deposits | 110.5618% | 367 |
| Net loans and leases to core deposits | 151.6783% | 472 |
| Total domestic deposits to total assets | 76.9627% | 6,488 |
| Equity capital to assets | 8.8700% | 5,324 |
| Core capital (leverage) ratio | 9.0090% | 4,403 |
| Tier 1 risk-based capital ratio | 11.0034% | 5,911 |
| Total risk-based capital ratio | 12.0291% | 6,103 |
| Memoranda: | ||
| Average total assets | $149,243,200 | 3,969 |
| Average earning assets | $140,174,200 | 3,899 |
| Average equity | $14,467,600 | 4,154 |
| Average total loans | $126,372,000 | 3,343 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4377% | 859 |
| Cost of funding earning assets | 1.6902% | 4,950 |
| Net interest margin | 4.7476% | 760 |
| Noninterest income to average assets | 1.4261% | 735 |
| Noninterest expense to average assets | 3.8826% | 1,455 |
| Loan and lease loss provision to assets | 0.2052% | 5,348 |
| Net operating income to assets | 1.8155% | 428 |
| Return on assets (ROA) | 1.8155% | 459 |
| Pretax return on assets | 1.8155% | 779 |
| Return on Equity (ROE) | 18.2988% | 428 |
| Retained earnings to average equity (ytd only) | 8.1981% | 1,083 |
| Net charge-offs to loans | 0.0130% | 6,737 |
| Credit loss provision to net charge-offs | 1,875.0000% | 207 |
| Earnings coverage of net charge-offs (x) | 184.6619% | 213 |
| Efficiency ratio | 65.7708% | 5,406 |
| Assets per employee ($millions) | 2.6952% | 6,863 |
| Cash dividends to net income (ytd only)* | 55.1985% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9042% | 6,741 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 80.9754% | 982 |
| Net loans and leases to deposits | 106.8555% | 616 |
| Net loans and leases to core deposits | 148.9790% | 603 |
| Total domestic deposits to total assets | 75.7803% | 6,622 |
| Equity capital to assets | 9.5036% | 4,744 |
| Core capital (leverage) ratio | 10.0458% | 3,235 |
| Tier 1 risk-based capital ratio | 12.1494% | 4,839 |
| Total risk-based capital ratio | 13.0939% | 5,051 |
| Memoranda: | ||
| Average total assets | $146,221,500 | 4,034 |
| Average earning assets | $137,892,000 | 3,970 |
| Average equity | $14,507,000 | 4,187 |
| Average total loans | $123,312,000 | 3,437 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5224% | 786 |
| Cost of funding earning assets | 1.7932% | 4,798 |
| Net interest margin | 4.7292% | 765 |
| Noninterest income to average assets | 1.6576% | 537 |
| Noninterest expense to average assets | 4.0544% | 1,243 |
| Loan and lease loss provision to assets | 0.2800% | 4,335 |
| Net operating income to assets | 1.7724% | 498 |
| Return on assets (ROA) | 1.7724% | 536 |
| Pretax return on assets | 1.7724% | 891 |
| Return on Equity (ROE) | 17.5947% | 524 |
| Retained earnings to average equity (ytd only) | 9.9509% | 746 |
| Net charge-offs to loans | 0.0098% | 6,428 |
| Credit loss provision to net charge-offs | 3,333.3333% | 143 |
| Earnings coverage of net charge-offs (x) | 244.3333% | 166 |
| Efficiency ratio | 66.3916% | 5,480 |
| Assets per employee ($millions) | 2.3029% | 7,547 |
| Cash dividends to net income (ytd only)* | 43.4439% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9292% | 6,651 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 86.2188% | 360 |
| Net loans and leases to deposits | 108.3251% | 636 |
| Net loans and leases to core deposits | 142.4246% | 919 |
| Total domestic deposits to total assets | 79.5927% | 5,597 |
| Equity capital to assets | 10.4503% | 3,466 |
| Core capital (leverage) ratio | 10.1098% | 3,177 |
| Tier 1 risk-based capital ratio | 12.7545% | 4,317 |
| Total risk-based capital ratio | 13.7415% | 4,451 |
| Memoranda: | ||
| Average total assets | $142,855,670 | 4,117 |
| Average earning assets | $134,398,670 | 4,062 |
| Average equity | $14,390,670 | 4,219 |
| Average total loans | $121,837,670 | 3,495 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4329% | 990 |
| Cost of funding earning assets | 1.8819% | 4,733 |
| Net interest margin | 4.5510% | 1,036 |
| Noninterest income to average assets | 1.0885% | 1,257 |
| Noninterest expense to average assets | 3.7932% | 1,486 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5662% | 832 |
| Return on assets (ROA) | 1.5662% | 909 |
| Pretax return on assets | 1.5662% | 1,488 |
| Return on Equity (ROE) | 15.8360% | 849 |
| Retained earnings to average equity (ytd only) | 15.8360% | 352 |
| Net charge-offs to loans | -0.1151% | 7,913 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7772% | 4,419 |
| Assets per employee ($millions) | 2.4844% | 7,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7959% | 7,170 |
| Loan loss allowance to noncurrent loans | 2,442.5000% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 7,543 |
| Noncurrent loans to loans | 0.0326% | 7,457 |
| Net loans and leases to total assets | 81.6929% | 1,061 |
| Net loans and leases to deposits | 100.1052% | 1,396 |
| Net loans and leases to core deposits | 131.7462% | 1,553 |
| Total domestic deposits to total assets | 81.6070% | 4,711 |
| Equity capital to assets | 9.7463% | 4,312 |
| Core capital (leverage) ratio | 10.0708% | 3,323 |
| Tier 1 risk-based capital ratio | 12.5617% | 4,504 |
| Total risk-based capital ratio | 13.4065% | 4,716 |
| Memoranda: | ||
| Average total assets | $144,046,500 | 4,112 |
| Average earning assets | $135,180,000 | 4,048 |
| Average equity | $14,246,000 | 4,285 |
| Average total loans | $121,631,000 | 3,519 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2218% | 704 |
| Cost of funding earning assets | 2.3499% | 4,929 |
| Net interest margin | 4.8719% | 667 |
| Noninterest income to average assets | 1.6240% | 526 |
| Noninterest expense to average assets | 3.9918% | 1,431 |
| Loan and lease loss provision to assets | 0.2912% | 4,051 |
| Net operating income to assets | 1.7847% | 566 |
| Return on assets (ROA) | 1.7847% | 546 |
| Pretax return on assets | 1.7847% | 978 |
| Return on Equity (ROE) | 16.8820% | 652 |
| Retained earnings to average equity (ytd only) | -0.4485% | 5,422 |
| Net charge-offs to loans | 0.1622% | 4,576 |
| Credit loss provision to net charge-offs | 215.9341% | 2,232 |
| Earnings coverage of net charge-offs (x) | 15.3956% | 1,934 |
| Efficiency ratio | 65.7875% | 5,169 |
| Assets per employee ($millions) | 2.4391% | 7,329 |
| Cash dividends to net income (ytd only)* | 102.6567% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7817% | 7,170 |
| Loan loss allowance to noncurrent loans | 120.6146% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.5617% | 5,501 |
| Noncurrent loans to loans | 0.6481% | 5,421 |
| Net loans and leases to total assets | 86.0024% | 604 |
| Net loans and leases to deposits | 98.3177% | 2,082 |
| Net loans and leases to core deposits | 129.7854% | 1,867 |
| Total domestic deposits to total assets | 87.4740% | 1,720 |
| Equity capital to assets | 10.0438% | 3,983 |
| Core capital (leverage) ratio | 10.2868% | 3,182 |
| Tier 1 risk-based capital ratio | 12.3547% | 4,548 |
| Total risk-based capital ratio | 13.1881% | 4,757 |
| Memoranda: | ||
| Average total assets | $134,978,200 | 4,185 |
| Average earning assets | $123,113,400 | 4,190 |
| Average equity | $14,269,600 | 4,276 |
| Average total loans | $112,213,600 | 3,632 |