Home > First National Bank > Performance and Condition Ratios
First National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8294% | 2,416 |
| Cost of funding earning assets | 0.2371% | 4,427 |
| Net interest margin | 4.5922% | 534 |
| Noninterest income to average assets | 0.8100% | 915 |
| Noninterest expense to average assets | 2.2680% | 2,932 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 2.5309% | 231 |
| Return on assets (ROA) | 2.5309% | 225 |
| Pretax return on assets | 2.6985% | 279 |
| Return on Equity (ROE) | 20.4700% | 572 |
| Retained earnings to average equity (ytd only) | 11.6706% | 676 |
| Net charge-offs to loans | 0.2233% | 487 |
| Credit loss provision to net charge-offs | 131.5789% | 1,583 |
| Earnings coverage of net charge-offs (x) | 34.6349% | 1,541 |
| Efficiency ratio | 44.7064% | 4,234 |
| Assets per employee ($millions) | 4.1207% | 4,117 |
| Cash dividends to net income (ytd only)* | 43.0000% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2451% | 2,048 |
| Loan loss allowance to noncurrent loans | 584.9359% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.0841% | 2,979 |
| Noncurrent loans to loans | 0.2129% | 2,456 |
| Net loans and leases to total assets | 39.0300% | 4,069 |
| Net loans and leases to deposits | 45.4371% | 4,066 |
| Net loans and leases to core deposits | 46.1995% | 4,155 |
| Total domestic deposits to total assets | 85.9000% | 2,053 |
| Equity capital to assets | 14.0086% | 678 |
| Core capital (leverage) ratio | 16.1428% | 474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $375,360,200 | 2,096 |
| Average earning assets | $348,740,800 | 2,097 |
| Average equity | $46,398,800 | 1,696 |
| Average total loans | $136,118,000 | 2,806 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7743% | 2,320 |
| Cost of funding earning assets | 0.2231% | 4,420 |
| Net interest margin | 4.5512% | 575 |
| Noninterest income to average assets | 0.8100% | 922 |
| Noninterest expense to average assets | 2.2559% | 2,932 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 2.5095% | 266 |
| Return on assets (ROA) | 2.5095% | 262 |
| Pretax return on assets | 2.6883% | 316 |
| Return on Equity (ROE) | 20.9900% | 642 |
| Retained earnings to average equity (ytd only) | 8.8896% | 1,716 |
| Net charge-offs to loans | 0.1987% | 443 |
| Credit loss provision to net charge-offs | 125.6281% | 1,447 |
| Earnings coverage of net charge-offs (x) | 39.4020% | 1,455 |
| Efficiency ratio | 44.8244% | 4,196 |
| Assets per employee ($millions) | 3.9684% | 4,182 |
| Cash dividends to net income (ytd only)* | 57.6489% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 1,853 |
| Loan loss allowance to noncurrent loans | 478.4946% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.1257% | 2,719 |
| Noncurrent loans to loans | 0.2725% | 2,263 |
| Net loans and leases to total assets | 36.9000% | 4,156 |
| Net loans and leases to deposits | 41.9157% | 4,164 |
| Net loans and leases to core deposits | 42.8102% | 4,198 |
| Total domestic deposits to total assets | 88.0300% | 1,564 |
| Equity capital to assets | 11.8035% | 1,088 |
| Core capital (leverage) ratio | 15.3148% | 581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $376,485,500 | 2,097 |
| Average earning assets | $349,612,000 | 2,098 |
| Average equity | $45,010,500 | 1,719 |
| Average total loans | $133,505,250 | 2,833 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5417% | 2,219 |
| Cost of funding earning assets | 0.1956% | 4,388 |
| Net interest margin | 4.3460% | 750 |
| Noninterest income to average assets | 0.8000% | 855 |
| Noninterest expense to average assets | 2.2868% | 2,854 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 2.3549% | 297 |
| Return on assets (ROA) | 2.3549% | 297 |
| Pretax return on assets | 2.5278% | 344 |
| Return on Equity (ROE) | 19.6700% | 803 |
| Retained earnings to average equity (ytd only) | 10.3057% | 1,630 |
| Net charge-offs to loans | 0.0544% | 823 |
| Credit loss provision to net charge-offs | 194.4444% | 839 |
| Earnings coverage of net charge-offs (x) | 135.9444% | 645 |
| Efficiency ratio | 47.1376% | 4,149 |
| Assets per employee ($millions) | 4.2665% | 4,139 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3071% | 2,000 |
| Loan loss allowance to noncurrent loans | 1,431.1475% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.1383% | 2,542 |
| Noncurrent loans to loans | 0.0913% | 3,094 |
| Net loans and leases to total assets | 34.7200% | 4,235 |
| Net loans and leases to deposits | 39.7457% | 4,231 |
| Net loans and leases to core deposits | 40.5839% | 4,258 |
| Total domestic deposits to total assets | 87.3500% | 2,149 |
| Equity capital to assets | 12.5502% | 857 |
| Core capital (leverage) ratio | 14.3319% | 686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $381,674,500 | 2,096 |
| Average earning assets | $355,817,500 | 2,092 |
| Average equity | $45,683,500 | 1,720 |
| Average total loans | $132,234,500 | 2,877 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3587% | 3,455 |
| Cost of funding earning assets | 0.1570% | 4,083 |
| Net interest margin | 3.2017% | 2,864 |
| Noninterest income to average assets | 0.7100% | 1,267 |
| Noninterest expense to average assets | 2.0359% | 3,481 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.5016% | 875 |
| Return on assets (ROA) | 1.5016% | 842 |
| Pretax return on assets | 1.5920% | 1,183 |
| Return on Equity (ROE) | 12.6600% | 1,921 |
| Retained earnings to average equity (ytd only) | 7.6323% | 1,976 |
| Net charge-offs to loans | 0.0851% | 815 |
| Credit loss provision to net charge-offs | 129.8077% | 1,408 |
| Earnings coverage of net charge-offs (x) | 60.5385% | 1,252 |
| Efficiency ratio | 55.5838% | 3,621 |
| Assets per employee ($millions) | 4.6785% | 3,917 |
| Cash dividends to net income (ytd only)* | 39.7178% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3209% | 1,804 |
| Loan loss allowance to noncurrent loans | 2,401.3889% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.1238% | 2,660 |
| Noncurrent loans to loans | 0.0550% | 3,361 |
| Net loans and leases to total assets | 33.6700% | 4,299 |
| Net loans and leases to deposits | 38.0263% | 4,290 |
| Net loans and leases to core deposits | 38.9318% | 4,302 |
| Total domestic deposits to total assets | 88.5400% | 1,867 |
| Equity capital to assets | 11.3942% | 1,115 |
| Core capital (leverage) ratio | 14.0810% | 711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $386,994,400 | 2,076 |
| Average earning assets | $357,338,800 | 2,079 |
| Average equity | $45,897,200 | 1,733 |
| Average total loans | $122,223,800 | 2,896 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0558% | 3,779 |
| Cost of funding earning assets | 0.1556% | 3,785 |
| Net interest margin | 2.9001% | 3,499 |
| Noninterest income to average assets | 0.8100% | 1,010 |
| Noninterest expense to average assets | 2.0689% | 3,298 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.3029% | 1,343 |
| Return on assets (ROA) | 1.3029% | 1,310 |
| Pretax return on assets | 1.3775% | 1,789 |
| Return on Equity (ROE) | 10.8800% | 2,427 |
| Retained earnings to average equity (ytd only) | 4.2574% | 3,360 |
| Net charge-offs to loans | 0.0644% | 844 |
| Credit loss provision to net charge-offs | 155.1724% | 1,111 |
| Earnings coverage of net charge-offs (x) | 70.6379% | 1,105 |
| Efficiency ratio | 59.4958% | 3,184 |
| Assets per employee ($millions) | 4.7760% | 3,856 |
| Cash dividends to net income (ytd only)* | 60.8707% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3671% | 1,727 |
| Loan loss allowance to noncurrent loans | 1,988.5057% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.2209% | 2,132 |
| Noncurrent loans to loans | 0.0688% | 3,383 |
| Net loans and leases to total assets | 32.6700% | 4,351 |
| Net loans and leases to deposits | 36.5997% | 4,346 |
| Net loans and leases to core deposits | 37.5613% | 4,351 |
| Total domestic deposits to total assets | 89.2500% | 1,982 |
| Equity capital to assets | 10.6820% | 1,299 |
| Core capital (leverage) ratio | 13.5847% | 761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $387,834,750 | 2,089 |
| Average earning assets | $357,261,250 | 2,088 |
| Average equity | $46,443,500 | 1,737 |
| Average total loans | $120,056,000 | 2,924 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7500% | 4,064 |
| Cost of funding earning assets | 0.1532% | 3,530 |
| Net interest margin | 2.5968% | 3,919 |
| Noninterest income to average assets | 0.8077% | 1,023 |
| Noninterest expense to average assets | 2.0300% | 3,350 |
| Loan and lease loss provision to assets | 0.0308% | 2,036 |
| Net operating income to assets | 1.0750% | 1,878 |
| Return on assets (ROA) | 1.0750% | 1,853 |
| Pretax return on assets | 1.1305% | 2,302 |
| Return on Equity (ROE) | 8.6714% | 2,800 |
| Retained earnings to average equity (ytd only) | 2.6614% | 3,558 |
| Net charge-offs to loans | 0.0611% | 796 |
| Credit loss provision to net charge-offs | 166.6667% | 1,049 |
| Earnings coverage of net charge-offs (x) | 62.8611% | 1,061 |
| Efficiency ratio | 63.6115% | 2,823 |
| Assets per employee ($millions) | 4.3211% | 4,192 |
| Cash dividends to net income (ytd only)* | 69.3079% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4039% | 1,733 |
| Loan loss allowance to noncurrent loans | 3,587.5000% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.2096% | 2,268 |
| Noncurrent loans to loans | 0.0391% | 3,653 |
| Net loans and leases to total assets | 31.0962% | 4,423 |
| Net loans and leases to deposits | 35.0823% | 4,422 |
| Net loans and leases to core deposits | 36.0566% | 4,434 |
| Total domestic deposits to total assets | 88.6378% | 2,320 |
| Equity capital to assets | 11.2990% | 1,101 |
| Core capital (leverage) ratio | 13.3815% | 734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $389,752,000 | 2,093 |
| Average earning assets | $357,750,667 | 2,114 |
| Average equity | $48,320,000 | 1,723 |
| Average total loans | $117,894,000 | 2,969 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5092% | 4,255 |
| Cost of funding earning assets | 0.1532% | 3,461 |
| Net interest margin | 2.3560% | 4,143 |
| Noninterest income to average assets | 0.7925% | 1,061 |
| Noninterest expense to average assets | 1.9407% | 3,571 |
| Loan and lease loss provision to assets | 0.0308% | 1,813 |
| Net operating income to assets | 0.9093% | 2,245 |
| Return on assets (ROA) | 0.9093% | 2,242 |
| Pretax return on assets | 0.9647% | 2,560 |
| Return on Equity (ROE) | 7.0245% | 3,031 |
| Retained earnings to average equity (ytd only) | 3.6746% | 3,047 |
| Net charge-offs to loans | 0.0866% | 572 |
| Credit loss provision to net charge-offs | 120.0000% | 934 |
| Earnings coverage of net charge-offs (x) | 38.8400% | 1,020 |
| Efficiency ratio | 66.0964% | 2,762 |
| Assets per employee ($millions) | 4.2154% | 4,293 |
| Cash dividends to net income (ytd only)* | 47.6888% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4546% | 1,699 |
| Loan loss allowance to noncurrent loans | 2,332.8767% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.0434% | 3,601 |
| Noncurrent loans to loans | 0.0624% | 3,544 |
| Net loans and leases to total assets | 29.4305% | 4,463 |
| Net loans and leases to deposits | 33.5720% | 4,451 |
| Net loans and leases to core deposits | 34.5333% | 4,469 |
| Total domestic deposits to total assets | 87.6638% | 2,680 |
| Equity capital to assets | 12.2720% | 865 |
| Core capital (leverage) ratio | 13.5670% | 657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $390,176,500 | 2,095 |
| Average earning assets | $355,010,500 | 2,131 |
| Average equity | $50,509,000 | 1,726 |
| Average total loans | $115,513,000 | 2,993 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7585% | 4,255 |
| Cost of funding earning assets | 0.1810% | 3,651 |
| Net interest margin | 2.5775% | 4,084 |
| Noninterest income to average assets | 0.7802% | 1,510 |
| Noninterest expense to average assets | 2.2101% | 3,048 |
| Loan and lease loss provision to assets | 0.0576% | 1,907 |
| Net operating income to assets | 0.8430% | 3,210 |
| Return on assets (ROA) | 0.8430% | 3,274 |
| Pretax return on assets | 0.8896% | 3,534 |
| Return on Equity (ROE) | 5.7668% | 3,826 |
| Retained earnings to average equity (ytd only) | 1.9298% | 3,993 |
| Net charge-offs to loans | 0.1488% | 641 |
| Credit loss provision to net charge-offs | 120.0000% | 1,646 |
| Earnings coverage of net charge-offs (x) | 19.7429% | 1,865 |
| Efficiency ratio | 70.0009% | 1,730 |
| Assets per employee ($millions) | 4.2673% | 4,287 |
| Cash dividends to net income (ytd only)* | 66.5366% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4893% | 1,592 |
| Loan loss allowance to noncurrent loans | 1,767.7083% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 3,668 |
| Noncurrent loans to loans | 0.0843% | 3,513 |
| Net loans and leases to total assets | 28.9062% | 4,543 |
| Net loans and leases to deposits | 33.4918% | 4,540 |
| Net loans and leases to core deposits | 34.4764% | 4,545 |
| Total domestic deposits to total assets | 86.3085% | 2,798 |
| Equity capital to assets | 13.6248% | 734 |
| Core capital (leverage) ratio | 13.6959% | 667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $364,771,800 | 2,127 |
| Average earning assets | $336,416,000 | 2,153 |
| Average equity | $53,322,200 | 1,672 |
| Average total loans | $117,599,400 | 2,969 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8357% | 4,251 |
| Cost of funding earning assets | 0.1884% | 3,725 |
| Net interest margin | 2.6473% | 4,062 |
| Noninterest income to average assets | 0.7839% | 1,577 |
| Noninterest expense to average assets | 2.1849% | 3,116 |
| Loan and lease loss provision to assets | 0.0616% | 1,764 |
| Net operating income to assets | 0.9232% | 3,171 |
| Return on assets (ROA) | 0.9232% | 3,245 |
| Pretax return on assets | 0.9856% | 3,504 |
| Return on Equity (ROE) | 6.2016% | 3,864 |
| Retained earnings to average equity (ytd only) | 1.0956% | 4,398 |
| Net charge-offs to loans | 0.1530% | 541 |
| Credit loss provision to net charge-offs | 122.0588% | 1,454 |
| Earnings coverage of net charge-offs (x) | 20.7279% | 1,720 |
| Efficiency ratio | 67.5977% | 1,886 |
| Assets per employee ($millions) | 3.9349% | 4,488 |
| Cash dividends to net income (ytd only)* | 82.3340% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 1,782 |
| Loan loss allowance to noncurrent loans | 587.8472% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.0877% | 3,514 |
| Noncurrent loans to loans | 0.2482% | 2,945 |
| Net loans and leases to total assets | 30.5834% | 4,576 |
| Net loans and leases to deposits | 35.6907% | 4,585 |
| Net loans and leases to core deposits | 36.9231% | 4,594 |
| Total domestic deposits to total assets | 85.6901% | 2,872 |
| Equity capital to assets | 14.2289% | 686 |
| Core capital (leverage) ratio | 14.0190% | 635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $358,884,500 | 2,178 |
| Average earning assets | $331,899,500 | 2,202 |
| Average equity | $53,425,750 | 1,688 |
| Average total loans | $118,512,750 | 3,005 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9451% | 4,149 |
| Cost of funding earning assets | 0.1941% | 3,816 |
| Net interest margin | 2.7510% | 3,883 |
| Noninterest income to average assets | 0.7731% | 1,606 |
| Noninterest expense to average assets | 2.2187% | 3,019 |
| Loan and lease loss provision to assets | 0.0639% | 1,761 |
| Net operating income to assets | 0.9816% | 2,956 |
| Return on assets (ROA) | 0.9816% | 3,047 |
| Pretax return on assets | 1.0455% | 3,342 |
| Return on Equity (ROE) | 6.4929% | 3,786 |
| Retained earnings to average equity (ytd only) | 0.5607% | 4,421 |
| Net charge-offs to loans | 0.1508% | 547 |
| Credit loss provision to net charge-offs | 125.5556% | 1,235 |
| Earnings coverage of net charge-offs (x) | 21.8111% | 1,500 |
| Efficiency ratio | 66.6667% | 2,053 |
| Assets per employee ($millions) | 3.7936% | 4,554 |
| Cash dividends to net income (ytd only)* | 91.3644% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3938% | 2,001 |
| Loan loss allowance to noncurrent loans | 478.9773% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.1123% | 3,478 |
| Noncurrent loans to loans | 0.2910% | 2,883 |
| Net loans and leases to total assets | 32.7519% | 4,570 |
| Net loans and leases to deposits | 38.3893% | 4,567 |
| Net loans and leases to core deposits | 39.6334% | 4,587 |
| Total domestic deposits to total assets | 85.3152% | 2,981 |
| Equity capital to assets | 14.5741% | 604 |
| Core capital (leverage) ratio | 14.2542% | 581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $353,907,000 | 2,185 |
| Average earning assets | $328,684,000 | 2,199 |
| Average equity | $53,504,333 | 1,676 |
| Average total loans | $119,344,000 | 3,014 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8939% | 4,264 |
| Cost of funding earning assets | 0.2015% | 3,899 |
| Net interest margin | 2.6924% | 3,985 |
| Noninterest income to average assets | 0.7799% | 1,638 |
| Noninterest expense to average assets | 2.1699% | 3,200 |
| Loan and lease loss provision to assets | 0.0539% | 2,029 |
| Net operating income to assets | 0.9863% | 2,851 |
| Return on assets (ROA) | 0.9863% | 2,948 |
| Pretax return on assets | 1.0540% | 3,227 |
| Return on Equity (ROE) | 6.4038% | 3,750 |
| Retained earnings to average equity (ytd only) | 2.2711% | 3,956 |
| Net charge-offs to loans | 0.1282% | 569 |
| Credit loss provision to net charge-offs | 123.6842% | 1,037 |
| Earnings coverage of net charge-offs (x) | 25.4211% | 1,155 |
| Efficiency ratio | 66.2001% | 2,201 |
| Assets per employee ($millions) | 3.5751% | 4,663 |
| Cash dividends to net income (ytd only)* | 64.5349% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3978% | 1,967 |
| Loan loss allowance to noncurrent loans | 843.9394% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 3,982 |
| Noncurrent loans to loans | 0.1656% | 3,514 |
| Net loans and leases to total assets | 32.9719% | 4,606 |
| Net loans and leases to deposits | 38.8017% | 4,601 |
| Net loans and leases to core deposits | 39.8900% | 4,623 |
| Total domestic deposits to total assets | 84.9753% | 3,103 |
| Equity capital to assets | 14.9335% | 503 |
| Core capital (leverage) ratio | 15.0056% | 476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $348,767,500 | 2,195 |
| Average earning assets | $323,582,500 | 2,206 |
| Average equity | $53,718,000 | 1,661 |
| Average total loans | $118,534,000 | 3,027 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4608% | 4,094 |
| Cost of funding earning assets | 0.2276% | 4,478 |
| Net interest margin | 3.2332% | 3,266 |
| Noninterest income to average assets | 0.7643% | 1,640 |
| Noninterest expense to average assets | 2.4221% | 3,083 |
| Loan and lease loss provision to assets | 0.0738% | 3,458 |
| Net operating income to assets | 1.1873% | 1,591 |
| Return on assets (ROA) | 1.1873% | 1,702 |
| Pretax return on assets | 1.2529% | 2,145 |
| Return on Equity (ROE) | 6.9951% | 3,210 |
| Retained earnings to average equity (ytd only) | 2.7387% | 3,492 |
| Net charge-offs to loans | 0.1533% | 1,061 |
| Credit loss provision to net charge-offs | 126.6304% | 2,581 |
| Earnings coverage of net charge-offs (x) | 22.7554% | 1,837 |
| Efficiency ratio | 64.6099% | 2,728 |
| Assets per employee ($millions) | 3.5792% | 4,621 |
| Cash dividends to net income (ytd only)* | 60.8487% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4151% | 1,910 |
| Loan loss allowance to noncurrent loans | 1,341.1290% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.0365% | 4,180 |
| Noncurrent loans to loans | 0.1055% | 3,869 |
| Net loans and leases to total assets | 34.0729% | 4,642 |
| Net loans and leases to deposits | 40.5709% | 4,647 |
| Net loans and leases to core deposits | 41.5314% | 4,664 |
| Total domestic deposits to total assets | 83.9835% | 3,113 |
| Equity capital to assets | 15.8951% | 437 |
| Core capital (leverage) ratio | 15.7481% | 415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $315,599,800 | 2,209 |
| Average earning assets | $291,322,800 | 2,222 |
| Average equity | $53,566,200 | 1,589 |
| Average total loans | $120,033,600 | 2,982 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6145% | 3,980 |
| Cost of funding earning assets | 0.2311% | 4,566 |
| Net interest margin | 3.3834% | 2,970 |
| Noninterest income to average assets | 0.7690% | 1,596 |
| Noninterest expense to average assets | 2.4336% | 3,042 |
| Loan and lease loss provision to assets | 0.0840% | 3,265 |
| Net operating income to assets | 1.2963% | 1,362 |
| Return on assets (ROA) | 1.2963% | 1,460 |
| Pretax return on assets | 1.3730% | 1,817 |
| Return on Equity (ROE) | 7.5065% | 3,011 |
| Retained earnings to average equity (ytd only) | -3.7295% | 4,805 |
| Net charge-offs to loans | 0.1713% | 860 |
| Credit loss provision to net charge-offs | 125.8065% | 2,467 |
| Earnings coverage of net charge-offs (x) | 21.8194% | 1,851 |
| Efficiency ratio | 62.5512% | 2,983 |
| Assets per employee ($millions) | 3.5046% | 4,657 |
| Cash dividends to net income (ytd only)* | 149.6843% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3690% | 1,881 |
| Loan loss allowance to noncurrent loans | 802.9126% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 4,071 |
| Noncurrent loans to loans | 0.1705% | 3,700 |
| Net loans and leases to total assets | 36.9591% | 4,644 |
| Net loans and leases to deposits | 44.3641% | 4,645 |
| Net loans and leases to core deposits | 45.4867% | 4,675 |
| Total domestic deposits to total assets | 83.3085% | 3,057 |
| Equity capital to assets | 16.5715% | 408 |
| Core capital (leverage) ratio | 15.9244% | 425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $309,493,750 | 2,223 |
| Average earning assets | $285,546,000 | 2,238 |
| Average equity | $53,446,000 | 1,582 |
| Average total loans | $120,662,250 | 2,989 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7971% | 3,862 |
| Cost of funding earning assets | 0.2326% | 4,676 |
| Net interest margin | 3.5645% | 2,596 |
| Noninterest income to average assets | 0.7694% | 1,524 |
| Noninterest expense to average assets | 2.5106% | 2,934 |
| Loan and lease loss provision to assets | 0.1035% | 2,975 |
| Net operating income to assets | 1.3736% | 1,166 |
| Return on assets (ROA) | 1.3736% | 1,263 |
| Pretax return on assets | 1.4496% | 1,589 |
| Return on Equity (ROE) | 7.8427% | 2,811 |
| Retained earnings to average equity (ytd only) | -6.7950% | 4,843 |
| Net charge-offs to loans | 0.2222% | 699 |
| Credit loss provision to net charge-offs | 117.9104% | 2,298 |
| Earnings coverage of net charge-offs (x) | 17.6866% | 1,808 |
| Efficiency ratio | 61.7804% | 3,162 |
| Assets per employee ($millions) | 3.4734% | 4,679 |
| Cash dividends to net income (ytd only)* | 186.6412% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3391% | 1,828 |
| Loan loss allowance to noncurrent loans | 1,186.9565% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0516% | 4,276 |
| Noncurrent loans to loans | 0.1128% | 3,998 |
| Net loans and leases to total assets | 37.7650% | 4,678 |
| Net loans and leases to deposits | 45.3915% | 4,666 |
| Net loans and leases to core deposits | 46.2496% | 4,708 |
| Total domestic deposits to total assets | 83.1985% | 3,033 |
| Equity capital to assets | 16.6685% | 405 |
| Core capital (leverage) ratio | 16.1709% | 420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $305,182,667 | 2,222 |
| Average earning assets | $282,056,000 | 2,232 |
| Average equity | $53,451,000 | 1,573 |
| Average total loans | $120,609,667 | 2,975 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9508% | 3,926 |
| Cost of funding earning assets | 0.2405% | 4,794 |
| Net interest margin | 3.7103% | 2,290 |
| Noninterest income to average assets | 0.8269% | 1,237 |
| Noninterest expense to average assets | 2.4457% | 3,441 |
| Loan and lease loss provision to assets | 0.1409% | 1,979 |
| Net operating income to assets | 1.5571% | 688 |
| Return on assets (ROA) | 1.5571% | 756 |
| Pretax return on assets | 1.6564% | 934 |
| Return on Equity (ROE) | 8.6658% | 2,251 |
| Retained earnings to average equity (ytd only) | 3.2198% | 2,991 |
| Net charge-offs to loans | 0.3040% | 483 |
| Credit loss provision to net charge-offs | 115.3846% | 1,721 |
| Earnings coverage of net charge-offs (x) | 14.7143% | 1,586 |
| Efficiency ratio | 57.6400% | 4,050 |
| Assets per employee ($millions) | 3.1271% | 4,737 |
| Cash dividends to net income (ytd only)* | 62.8448% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3452% | 1,935 |
| Loan loss allowance to noncurrent loans | 1,154.6099% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 4,312 |
| Noncurrent loans to loans | 0.1165% | 4,057 |
| Net loans and leases to total assets | 39.7707% | 4,674 |
| Net loans and leases to deposits | 48.6479% | 4,640 |
| Net loans and leases to core deposits | 49.6550% | 4,687 |
| Total domestic deposits to total assets | 81.7522% | 3,482 |
| Equity capital to assets | 18.1266% | 344 |
| Core capital (leverage) ratio | 17.8742% | 346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $297,996,500 | 2,222 |
| Average earning assets | $274,375,000 | 2,233 |
| Average equity | $53,544,000 | 1,558 |
| Average total loans | $119,755,500 | 2,960 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2537% | 3,668 |
| Cost of funding earning assets | 0.2426% | 4,867 |
| Net interest margin | 4.0111% | 1,820 |
| Noninterest income to average assets | 0.8653% | 1,258 |
| Noninterest expense to average assets | 2.6830% | 2,934 |
| Loan and lease loss provision to assets | 0.1003% | 2,051 |
| Net operating income to assets | 1.6693% | 711 |
| Return on assets (ROA) | 1.6693% | 757 |
| Pretax return on assets | 1.7721% | 1,016 |
| Return on Equity (ROE) | 9.6129% | 2,468 |
| Retained earnings to average equity (ytd only) | 4.6222% | 2,632 |
| Net charge-offs to loans | 0.2052% | 1,000 |
| Credit loss provision to net charge-offs | 120.3320% | 2,106 |
| Earnings coverage of net charge-offs (x) | 22.4564% | 1,852 |
| Efficiency ratio | 58.8972% | 3,849 |
| Assets per employee ($millions) | 3.2151% | 4,692 |
| Cash dividends to net income (ytd only)* | 51.9171% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3622% | 1,660 |
| Loan loss allowance to noncurrent loans | 1,566.9903% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 4,423 |
| Noncurrent loans to loans | 0.0869% | 4,175 |
| Net loans and leases to total assets | 39.5132% | 4,748 |
| Net loans and leases to deposits | 48.1790% | 4,741 |
| Net loans and leases to core deposits | 49.1911% | 4,772 |
| Total domestic deposits to total assets | 82.0134% | 3,510 |
| Equity capital to assets | 17.8071% | 386 |
| Core capital (leverage) ratio | 18.1046% | 333 |
| Tier 1 risk-based capital ratio | 33.7848% | 366 |
| Total risk-based capital ratio | 34.8499% | 361 |
| Memoranda: | ||
| Average total assets | $289,040,000 | 2,226 |
| Average earning assets | $265,909,200 | 2,242 |
| Average equity | $50,193,000 | 1,593 |
| Average total loans | $117,452,800 | 2,971 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3176% | 3,602 |
| Cost of funding earning assets | 0.2440% | 4,933 |
| Net interest margin | 4.0736% | 1,688 |
| Noninterest income to average assets | 0.8779% | 1,199 |
| Noninterest expense to average assets | 2.6921% | 2,889 |
| Loan and lease loss provision to assets | 0.1160% | 1,682 |
| Net operating income to assets | 1.7163% | 723 |
| Return on assets (ROA) | 1.7163% | 762 |
| Pretax return on assets | 1.8189% | 1,040 |
| Return on Equity (ROE) | 9.9486% | 2,453 |
| Retained earnings to average equity (ytd only) | 3.2705% | 3,776 |
| Net charge-offs to loans | 0.2435% | 729 |
| Credit loss provision to net charge-offs | 116.8224% | 2,000 |
| Earnings coverage of net charge-offs (x) | 19.4857% | 2,000 |
| Efficiency ratio | 58.1829% | 3,910 |
| Assets per employee ($millions) | 3.1523% | 4,791 |
| Cash dividends to net income (ytd only)* | 67.1261% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3415% | 1,795 |
| Loan loss allowance to noncurrent loans | 5,717.8571% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 4,646 |
| Noncurrent loans to loans | 0.0235% | 4,573 |
| Net loans and leases to total assets | 41.5027% | 4,768 |
| Net loans and leases to deposits | 50.7832% | 4,754 |
| Net loans and leases to core deposits | 51.8266% | 4,802 |
| Total domestic deposits to total assets | 81.7252% | 3,555 |
| Equity capital to assets | 18.1081% | 389 |
| Core capital (leverage) ratio | 17.9283% | 359 |
| Tier 1 risk-based capital ratio | 33.1499% | 394 |
| Total risk-based capital ratio | 34.2087% | 394 |
| Memoranda: | ||
| Average total assets | $287,353,250 | 2,250 |
| Average earning assets | $264,461,250 | 2,262 |
| Average equity | $49,573,500 | 1,617 |
| Average total loans | $117,193,750 | 3,002 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3006% | 3,632 |
| Cost of funding earning assets | 0.2436% | 4,971 |
| Net interest margin | 4.0570% | 1,733 |
| Noninterest income to average assets | 0.8580% | 1,183 |
| Noninterest expense to average assets | 2.6940% | 2,927 |
| Loan and lease loss provision to assets | 0.1144% | 1,643 |
| Net operating income to assets | 1.6890% | 739 |
| Return on assets (ROA) | 1.6890% | 770 |
| Pretax return on assets | 1.7895% | 1,061 |
| Return on Equity (ROE) | 9.9524% | 2,411 |
| Retained earnings to average equity (ytd only) | 2.4544% | 3,961 |
| Net charge-offs to loans | 0.2490% | 679 |
| Credit loss provision to net charge-offs | 113.7931% | 1,813 |
| Earnings coverage of net charge-offs (x) | 18.9448% | 1,839 |
| Efficiency ratio | 58.5921% | 3,918 |
| Assets per employee ($millions) | 3.0912% | 4,848 |
| Cash dividends to net income (ytd only)* | 75.3385% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3040% | 1,999 |
| Loan loss allowance to noncurrent loans | 7,204.5455% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 4,703 |
| Noncurrent loans to loans | 0.0181% | 4,633 |
| Net loans and leases to total assets | 41.7296% | 4,786 |
| Net loans and leases to deposits | 50.7634% | 4,780 |
| Net loans and leases to core deposits | 51.7941% | 4,822 |
| Total domestic deposits to total assets | 82.2041% | 3,455 |
| Equity capital to assets | 17.6522% | 414 |
| Core capital (leverage) ratio | 17.4270% | 390 |
| Tier 1 risk-based capital ratio | 32.2375% | 413 |
| Total risk-based capital ratio | 33.2708% | 412 |
| Memoranda: | ||
| Average total assets | $288,568,670 | 2,246 |
| Average earning assets | $266,008,000 | 2,259 |
| Average equity | $48,973,330 | 1,627 |
| Average total loans | $116,476,000 | 3,020 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2644% | 3,663 |
| Cost of funding earning assets | 0.2388% | 5,015 |
| Net interest margin | 4.0256% | 1,778 |
| Noninterest income to average assets | 0.8412% | 1,188 |
| Noninterest expense to average assets | 2.5858% | 3,254 |
| Loan and lease loss provision to assets | 0.0595% | 2,465 |
| Net operating income to assets | 1.8083% | 572 |
| Return on assets (ROA) | 1.8083% | 587 |
| Pretax return on assets | 1.9037% | 793 |
| Return on Equity (ROE) | 10.8720% | 1,992 |
| Retained earnings to average equity (ytd only) | 4.7996% | 2,994 |
| Net charge-offs to loans | 0.0948% | 1,186 |
| Credit loss provision to net charge-offs | 159.2593% | 1,193 |
| Earnings coverage of net charge-offs (x) | 52.5556% | 993 |
| Efficiency ratio | 56.8431% | 4,231 |
| Assets per employee ($millions) | 2.9806% | 4,989 |
| Cash dividends to net income (ytd only)* | 55.8531% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3874% | 1,723 |
| Loan loss allowance to noncurrent loans | 1,463.8889% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0374% | 4,651 |
| Noncurrent loans to loans | 0.0948% | 4,322 |
| Net loans and leases to total assets | 38.8686% | 4,926 |
| Net loans and leases to deposits | 46.8438% | 4,905 |
| Net loans and leases to core deposits | 47.8978% | 4,937 |
| Total domestic deposits to total assets | 82.9749% | 3,396 |
| Equity capital to assets | 16.9213% | 456 |
| Core capital (leverage) ratio | 17.3627% | 390 |
| Tier 1 risk-based capital ratio | 33.4197% | 372 |
| Total risk-based capital ratio | 34.4867% | 367 |
| Memoranda: | ||
| Average total assets | $289,114,500 | 2,254 |
| Average earning assets | $266,296,000 | 2,267 |
| Average equity | $48,087,000 | 1,639 |
| Average total loans | $113,940,000 | 3,099 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1342% | 3,639 |
| Cost of funding earning assets | 0.2319% | 4,882 |
| Net interest margin | 3.9022% | 2,318 |
| Noninterest income to average assets | 0.8782% | 1,235 |
| Noninterest expense to average assets | 2.6588% | 3,157 |
| Loan and lease loss provision to assets | 0.1230% | 1,793 |
| Net operating income to assets | 1.5732% | 944 |
| Return on assets (ROA) | 1.5732% | 933 |
| Pretax return on assets | 1.6688% | 1,254 |
| Return on Equity (ROE) | 9.9109% | 2,553 |
| Retained earnings to average equity (ytd only) | 4.2297% | 3,225 |
| Net charge-offs to loans | 0.2341% | 832 |
| Credit loss provision to net charge-offs | 131.1111% | 2,018 |
| Earnings coverage of net charge-offs (x) | 19.0963% | 2,090 |
| Efficiency ratio | 59.7408% | 3,908 |
| Assets per employee ($millions) | 2.9806% | 5,004 |
| Cash dividends to net income (ytd only)* | 57.3227% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 1,742 |
| Loan loss allowance to noncurrent loans | 904.6243% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 4,541 |
| Noncurrent loans to loans | 0.1519% | 4,060 |
| Net loans and leases to total assets | 38.8632% | 4,986 |
| Net loans and leases to deposits | 46.5609% | 4,974 |
| Net loans and leases to core deposits | 47.6021% | 4,994 |
| Total domestic deposits to total assets | 83.4674% | 3,168 |
| Equity capital to assets | 16.3437% | 484 |
| Core capital (leverage) ratio | 17.4417% | 371 |
| Tier 1 risk-based capital ratio | 33.3201% | 356 |
| Total risk-based capital ratio | 34.3889% | 354 |
| Memoranda: | ||
| Average total assets | $287,759,000 | 2,223 |
| Average earning assets | $263,438,800 | 2,240 |
| Average equity | $45,677,200 | 1,645 |
| Average total loans | $115,339,200 | 3,052 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1099% | 3,601 |
| Cost of funding earning assets | 0.2298% | 4,889 |
| Net interest margin | 3.8802% | 2,374 |
| Noninterest income to average assets | 0.8846% | 1,237 |
| Noninterest expense to average assets | 2.6182% | 3,235 |
| Loan and lease loss provision to assets | 0.1220% | 1,649 |
| Net operating income to assets | 1.5944% | 974 |
| Return on assets (ROA) | 1.5944% | 979 |
| Pretax return on assets | 1.6932% | 1,295 |
| Return on Equity (ROE) | 10.1197% | 2,566 |
| Retained earnings to average equity (ytd only) | 2.8001% | 4,317 |
| Net charge-offs to loans | 0.2155% | 789 |
| Credit loss provision to net charge-offs | 140.6417% | 1,799 |
| Earnings coverage of net charge-offs (x) | 20.9249% | 1,936 |
| Efficiency ratio | 59.0562% | 3,958 |
| Assets per employee ($millions) | 2.9570% | 5,065 |
| Cash dividends to net income (ytd only)* | 72.3305% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3469% | 1,896 |
| Loan loss allowance to noncurrent loans | 766.9951% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.0770% | 4,587 |
| Noncurrent loans to loans | 0.1756% | 4,105 |
| Net loans and leases to total assets | 41.0297% | 4,995 |
| Net loans and leases to deposits | 48.9314% | 4,987 |
| Net loans and leases to core deposits | 50.3681% | 5,010 |
| Total domestic deposits to total assets | 83.8513% | 2,994 |
| Equity capital to assets | 15.9860% | 542 |
| Core capital (leverage) ratio | 17.1913% | 398 |
| Tier 1 risk-based capital ratio | 32.2473% | 393 |
| Total risk-based capital ratio | 33.2953% | 392 |
| Memoranda: | ||
| Average total assets | $287,420,250 | 2,234 |
| Average earning assets | $262,869,250 | 2,252 |
| Average equity | $45,283,500 | 1,663 |
| Average total loans | $115,693,000 | 3,071 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0438% | 3,636 |
| Cost of funding earning assets | 0.2252% | 4,886 |
| Net interest margin | 3.8186% | 2,507 |
| Noninterest income to average assets | 0.8466% | 1,329 |
| Noninterest expense to average assets | 2.5501% | 3,476 |
| Loan and lease loss provision to assets | 0.1143% | 1,738 |
| Net operating income to assets | 1.5727% | 983 |
| Return on assets (ROA) | 1.5727% | 987 |
| Pretax return on assets | 1.6712% | 1,294 |
| Return on Equity (ROE) | 10.0293% | 2,551 |
| Retained earnings to average equity (ytd only) | 1.7776% | 4,535 |
| Net charge-offs to loans | 0.2126% | 744 |
| Credit loss provision to net charge-offs | 134.9593% | 1,685 |
| Earnings coverage of net charge-offs (x) | 21.0894% | 1,786 |
| Efficiency ratio | 58.8189% | 4,114 |
| Assets per employee ($millions) | 2.8913% | 5,165 |
| Cash dividends to net income (ytd only)* | 82.2757% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 2,025 |
| Loan loss allowance to noncurrent loans | 558.2418% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.1009% | 4,494 |
| Noncurrent loans to loans | 0.2385% | 3,851 |
| Net loans and leases to total assets | 39.8560% | 5,056 |
| Net loans and leases to deposits | 47.3865% | 5,049 |
| Net loans and leases to core deposits | 48.7461% | 5,069 |
| Total domestic deposits to total assets | 84.1084% | 3,023 |
| Equity capital to assets | 15.7462% | 545 |
| Core capital (leverage) ratio | 16.3514% | 457 |
| Tier 1 risk-based capital ratio | 32.4128% | 396 |
| Total risk-based capital ratio | 33.4579% | 399 |
| Memoranda: | ||
| Average total assets | $290,575,330 | 2,227 |
| Average earning assets | $265,492,670 | 2,246 |
| Average equity | $45,566,670 | 1,653 |
| Average total loans | $115,723,670 | 3,085 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9442% | 3,805 |
| Cost of funding earning assets | 0.2206% | 4,890 |
| Net interest margin | 3.7236% | 2,715 |
| Noninterest income to average assets | 0.8253% | 1,377 |
| Noninterest expense to average assets | 2.3889% | 3,974 |
| Loan and lease loss provision to assets | 0.1020% | 1,823 |
| Net operating income to assets | 1.6316% | 796 |
| Return on assets (ROA) | 1.6316% | 797 |
| Pretax return on assets | 1.7309% | 1,039 |
| Return on Equity (ROE) | 10.4253% | 2,214 |
| Retained earnings to average equity (ytd only) | 3.6488% | 3,741 |
| Net charge-offs to loans | 0.2166% | 690 |
| Credit loss provision to net charge-offs | 119.0476% | 1,384 |
| Earnings coverage of net charge-offs (x) | 21.3968% | 1,435 |
| Efficiency ratio | 56.5862% | 4,508 |
| Assets per employee ($millions) | 3.1368% | 5,057 |
| Cash dividends to net income (ytd only)* | 65.0000% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3249% | 2,122 |
| Loan loss allowance to noncurrent loans | 548.8971% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 4,633 |
| Noncurrent loans to loans | 0.2414% | 3,904 |
| Net loans and leases to total assets | 37.7096% | 5,147 |
| Net loans and leases to deposits | 44.5852% | 5,136 |
| Net loans and leases to core deposits | 47.9534% | 5,101 |
| Total domestic deposits to total assets | 84.5788% | 3,085 |
| Equity capital to assets | 15.3184% | 598 |
| Core capital (leverage) ratio | 16.3400% | 448 |
| Tier 1 risk-based capital ratio | 32.7078% | 388 |
| Total risk-based capital ratio | 33.7431% | 384 |
| Memoranda: | ||
| Average total assets | $294,190,500 | 2,227 |
| Average earning assets | $268,342,000 | 2,247 |
| Average equity | $46,042,000 | 1,644 |
| Average total loans | $116,358,500 | 3,110 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0365% | 3,288 |
| Cost of funding earning assets | 0.2138% | 4,834 |
| Net interest margin | 3.8227% | 2,345 |
| Noninterest income to average assets | 0.8251% | 1,481 |
| Noninterest expense to average assets | 2.5028% | 3,771 |
| Loan and lease loss provision to assets | 0.3151% | 537 |
| Net operating income to assets | 1.3939% | 1,033 |
| Return on assets (ROA) | 1.3939% | 1,052 |
| Pretax return on assets | 1.4784% | 1,725 |
| Return on Equity (ROE) | 8.8489% | 2,384 |
| Retained earnings to average equity (ytd only) | 4.0720% | 2,736 |
| Net charge-offs to loans | 0.7076% | 299 |
| Credit loss provision to net charge-offs | 104.8753% | 2,452 |
| Earnings coverage of net charge-offs (x) | 5.9694% | 3,243 |
| Efficiency ratio | 58.2540% | 4,496 |
| Assets per employee ($millions) | 3.1561% | 5,071 |
| Cash dividends to net income (ytd only)* | 53.9834% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2338% | 2,573 |
| Loan loss allowance to noncurrent loans | 356.8675% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.1414% | 4,438 |
| Noncurrent loans to loans | 0.3457% | 3,519 |
| Net loans and leases to total assets | 40.3898% | 5,123 |
| Net loans and leases to deposits | 48.1805% | 5,121 |
| Net loans and leases to core deposits | 51.8734% | 5,070 |
| Total domestic deposits to total assets | 83.8301% | 3,269 |
| Equity capital to assets | 15.9839% | 520 |
| Core capital (leverage) ratio | 16.4857% | 418 |
| Tier 1 risk-based capital ratio | 31.1862% | 411 |
| Total risk-based capital ratio | 32.1794% | 416 |
| Memoranda: | ||
| Average total assets | $293,555,400 | 2,201 |
| Average earning assets | $266,568,000 | 2,236 |
| Average equity | $46,243,200 | 1,631 |
| Average total loans | $124,653,000 | 2,994 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0247% | 3,266 |
| Cost of funding earning assets | 0.2140% | 4,856 |
| Net interest margin | 3.8107% | 2,361 |
| Noninterest income to average assets | 0.8271% | 1,484 |
| Noninterest expense to average assets | 2.4548% | 3,871 |
| Loan and lease loss provision to assets | 0.3770% | 383 |
| Net operating income to assets | 1.3544% | 1,191 |
| Return on assets (ROA) | 1.3544% | 1,214 |
| Pretax return on assets | 1.4565% | 1,922 |
| Return on Equity (ROE) | 8.6292% | 2,800 |
| Retained earnings to average equity (ytd only) | 2.3382% | 4,477 |
| Net charge-offs to loans | 0.8457% | 213 |
| Credit loss provision to net charge-offs | 104.0100% | 2,220 |
| Earnings coverage of net charge-offs (x) | 5.0589% | 3,157 |
| Efficiency ratio | 57.2442% | 4,591 |
| Assets per employee ($millions) | 3.1414% | 5,130 |
| Cash dividends to net income (ytd only)* | 72.9040% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1770% | 3,053 |
| Loan loss allowance to noncurrent loans | 353.3654% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.1664% | 4,440 |
| Noncurrent loans to loans | 0.3331% | 3,756 |
| Net loans and leases to total assets | 42.7053% | 5,089 |
| Net loans and leases to deposits | 51.0842% | 5,087 |
| Net loans and leases to core deposits | 55.1771% | 5,032 |
| Total domestic deposits to total assets | 83.5980% | 3,257 |
| Equity capital to assets | 16.2325% | 507 |
| Core capital (leverage) ratio | 16.0507% | 488 |
| Tier 1 risk-based capital ratio | 29.5615% | 493 |
| Total risk-based capital ratio | 30.5189% | 501 |
| Memoranda: | ||
| Average total assets | $293,564,250 | 2,219 |
| Average earning assets | $266,645,500 | 2,246 |
| Average equity | $46,075,000 | 1,647 |
| Average total loans | $125,808,000 | 3,001 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9991% | 3,207 |
| Cost of funding earning assets | 0.2244% | 4,765 |
| Net interest margin | 3.7747% | 2,387 |
| Noninterest income to average assets | 0.8303% | 1,468 |
| Noninterest expense to average assets | 2.4658% | 3,865 |
| Loan and lease loss provision to assets | 0.4812% | 247 |
| Net operating income to assets | 1.2112% | 1,559 |
| Return on assets (ROA) | 1.2112% | 1,597 |
| Pretax return on assets | 1.3034% | 2,371 |
| Return on Equity (ROE) | 7.8043% | 3,143 |
| Retained earnings to average equity (ytd only) | 1.3495% | 4,714 |
| Net charge-offs to loans | 1.0974% | 177 |
| Credit loss provision to net charge-offs | 102.6012% | 1,973 |
| Earnings coverage of net charge-offs (x) | 3.8049% | 3,002 |
| Efficiency ratio | 58.0131% | 4,586 |
| Assets per employee ($millions) | 3.1748% | 5,125 |
| Cash dividends to net income (ytd only)* | 82.7084% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1672% | 3,207 |
| Loan loss allowance to noncurrent loans | 334.7126% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.1490% | 4,575 |
| Noncurrent loans to loans | 0.3487% | 3,786 |
| Net loans and leases to total assets | 41.7574% | 5,154 |
| Net loans and leases to deposits | 49.6765% | 5,152 |
| Net loans and leases to core deposits | 53.5424% | 5,105 |
| Total domestic deposits to total assets | 84.0587% | 3,171 |
| Equity capital to assets | 15.7909% | 557 |
| Core capital (leverage) ratio | 15.6878% | 518 |
| Tier 1 risk-based capital ratio | 29.2834% | 498 |
| Total risk-based capital ratio | 30.2243% | 501 |
| Memoranda: | ||
| Average total assets | $295,081,330 | 2,222 |
| Average earning assets | $267,359,670 | 2,252 |
| Average equity | $45,795,330 | 1,654 |
| Average total loans | $126,112,670 | 3,005 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9621% | 3,168 |
| Cost of funding earning assets | 0.2141% | 4,846 |
| Net interest margin | 3.7479% | 2,321 |
| Noninterest income to average assets | 0.8366% | 1,444 |
| Noninterest expense to average assets | 2.3390% | 4,291 |
| Loan and lease loss provision to assets | 0.8814% | 103 |
| Net operating income to assets | 0.9451% | 2,541 |
| Return on assets (ROA) | 0.9451% | 2,601 |
| Pretax return on assets | 1.0102% | 3,321 |
| Return on Equity (ROE) | 6.1435% | 3,834 |
| Retained earnings to average equity (ytd only) | 1.3133% | 4,559 |
| Net charge-offs to loans | 2.0600% | 80 |
| Credit loss provision to net charge-offs | 99.5406% | 1,622 |
| Earnings coverage of net charge-offs (x) | 2.1363% | 2,637 |
| Efficiency ratio | 55.2885% | 5,012 |
| Assets per employee ($millions) | 3.2623% | 5,092 |
| Cash dividends to net income (ytd only)* | 78.6227% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 3,497 |
| Loan loss allowance to noncurrent loans | 533.4572% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.0997% | 4,869 |
| Noncurrent loans to loans | 0.2125% | 4,349 |
| Net loans and leases to total assets | 42.1608% | 5,151 |
| Net loans and leases to deposits | 49.8636% | 5,141 |
| Net loans and leases to core deposits | 53.6948% | 5,075 |
| Total domestic deposits to total assets | 84.5524% | 3,279 |
| Equity capital to assets | 15.3472% | 585 |
| Core capital (leverage) ratio | 15.6306% | 508 |
| Tier 1 risk-based capital ratio | 28.7511% | 520 |
| Total risk-based capital ratio | 29.6562% | 519 |
| Memoranda: | ||
| Average total assets | $294,993,000 | 2,237 |
| Average earning assets | $267,134,000 | 2,264 |
| Average equity | $45,381,000 | 1,670 |
| Average total loans | $126,795,000 | 3,012 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0289% | 3,097 |
| Cost of funding earning assets | 0.2151% | 4,884 |
| Net interest margin | 3.8137% | 2,265 |
| Noninterest income to average assets | 0.8367% | 1,631 |
| Noninterest expense to average assets | 2.5996% | 3,676 |
| Loan and lease loss provision to assets | 0.0832% | 2,692 |
| Net operating income to assets | 1.5355% | 773 |
| Return on assets (ROA) | 1.5355% | 800 |
| Pretax return on assets | 1.6256% | 1,203 |
| Return on Equity (ROE) | 9.6018% | 2,144 |
| Retained earnings to average equity (ytd only) | 4.9027% | 2,406 |
| Net charge-offs to loans | -0.0280% | 5,221 |
| Credit loss provision to net charge-offs | -705.8824% | 5,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3379% | 4,527 |
| Assets per employee ($millions) | 3.2211% | 5,129 |
| Cash dividends to net income (ytd only)* | 48.9391% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 3,541 |
| Loan loss allowance to noncurrent loans | 317.2185% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.1706% | 4,638 |
| Noncurrent loans to loans | 0.3567% | 3,855 |
| Net loans and leases to total assets | 42.8346% | 5,190 |
| Net loans and leases to deposits | 50.8089% | 5,176 |
| Net loans and leases to core deposits | 54.7815% | 5,108 |
| Total domestic deposits to total assets | 84.3053% | 3,318 |
| Equity capital to assets | 15.4208% | 579 |
| Core capital (leverage) ratio | 15.9880% | 464 |
| Tier 1 risk-based capital ratio | 28.8532% | 523 |
| Total risk-based capital ratio | 29.7689% | 534 |
| Memoranda: | ||
| Average total assets | $288,508,000 | 2,232 |
| Average earning assets | $262,629,400 | 2,261 |
| Average equity | $46,137,400 | 1,634 |
| Average total loans | $121,556,400 | 3,044 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0289% | 3,114 |
| Cost of funding earning assets | 0.2168% | 4,907 |
| Net interest margin | 3.8121% | 2,288 |
| Noninterest income to average assets | 0.8565% | 1,557 |
| Noninterest expense to average assets | 2.5659% | 3,779 |
| Loan and lease loss provision to assets | 0.0835% | 2,544 |
| Net operating income to assets | 1.5752% | 766 |
| Return on assets (ROA) | 1.5752% | 800 |
| Pretax return on assets | 1.6824% | 1,167 |
| Return on Equity (ROE) | 9.7615% | 2,168 |
| Retained earnings to average equity (ytd only) | 3.7695% | 3,624 |
| Net charge-offs to loans | -0.0799% | 5,501 |
| Credit loss provision to net charge-offs | -250.0000% | 4,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2331% | 4,658 |
| Assets per employee ($millions) | 3.1387% | 5,253 |
| Cash dividends to net income (ytd only)* | 61.3845% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1562% | 3,510 |
| Loan loss allowance to noncurrent loans | 418.9349% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.1333% | 4,900 |
| Noncurrent loans to loans | 0.2760% | 4,268 |
| Net loans and leases to total assets | 41.9225% | 5,296 |
| Net loans and leases to deposits | 50.3201% | 5,284 |
| Net loans and leases to core deposits | 54.4057% | 5,212 |
| Total domestic deposits to total assets | 83.3116% | 3,476 |
| Equity capital to assets | 16.4002% | 499 |
| Core capital (leverage) ratio | 15.7351% | 521 |
| Tier 1 risk-based capital ratio | 29.2347% | 515 |
| Total risk-based capital ratio | 30.1672% | 523 |
| Memoranda: | ||
| Average total assets | $287,355,500 | 2,240 |
| Average earning assets | $261,966,000 | 2,281 |
| Average equity | $46,371,500 | 1,636 |
| Average total loans | $120,197,250 | 3,072 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0294% | 3,141 |
| Cost of funding earning assets | 0.2172% | 4,969 |
| Net interest margin | 3.8122% | 2,262 |
| Noninterest income to average assets | 0.8679% | 1,483 |
| Noninterest expense to average assets | 2.4588% | 4,150 |
| Loan and lease loss provision to assets | 0.0837% | 2,467 |
| Net operating income to assets | 1.7017% | 578 |
| Return on assets (ROA) | 1.7017% | 610 |
| Pretax return on assets | 1.8000% | 880 |
| Return on Equity (ROE) | 10.6032% | 1,803 |
| Retained earnings to average equity (ytd only) | 3.8225% | 3,456 |
| Net charge-offs to loans | -0.2478% | 5,845 |
| Credit loss provision to net charge-offs | -81.0811% | 4,584 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6223% | 5,065 |
| Assets per employee ($millions) | 3.2754% | 5,107 |
| Cash dividends to net income (ytd only)* | 63.9492% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 3,451 |
| Loan loss allowance to noncurrent loans | 532.3420% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.1027% | 5,101 |
| Noncurrent loans to loans | 0.2219% | 4,545 |
| Net loans and leases to total assets | 41.5526% | 5,352 |
| Net loans and leases to deposits | 49.8429% | 5,343 |
| Net loans and leases to core deposits | 53.8949% | 5,284 |
| Total domestic deposits to total assets | 83.3672% | 3,512 |
| Equity capital to assets | 16.3903% | 495 |
| Core capital (leverage) ratio | 15.5585% | 520 |
| Tier 1 risk-based capital ratio | 29.0931% | 538 |
| Total risk-based capital ratio | 30.0399% | 542 |
| Memoranda: | ||
| Average total assets | $286,886,000 | 2,258 |
| Average earning assets | $261,476,670 | 2,291 |
| Average equity | $46,042,670 | 1,650 |
| Average total loans | $119,438,670 | 3,084 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0078% | 3,199 |
| Cost of funding earning assets | 0.2203% | 5,002 |
| Net interest margin | 3.7874% | 2,337 |
| Noninterest income to average assets | 0.9573% | 1,166 |
| Noninterest expense to average assets | 2.5086% | 4,043 |
| Loan and lease loss provision to assets | 0.0839% | 2,277 |
| Net operating income to assets | 1.7120% | 563 |
| Return on assets (ROA) | 1.7120% | 601 |
| Pretax return on assets | 1.8001% | 846 |
| Return on Equity (ROE) | 10.7827% | 1,683 |
| Retained earnings to average equity (ytd only) | 7.0682% | 1,853 |
| Net charge-offs to loans | -0.6410% | 6,016 |
| Credit loss provision to net charge-offs | -31.5789% | 4,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1110% | 5,086 |
| Assets per employee ($millions) | 3.1732% | 5,314 |
| Cash dividends to net income (ytd only)* | 34.4490% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1769% | 3,624 |
| Loan loss allowance to noncurrent loans | 440.4984% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.1524% | 4,966 |
| Noncurrent loans to loans | 0.2672% | 4,480 |
| Net loans and leases to total assets | 41.1164% | 5,395 |
| Net loans and leases to deposits | 49.0435% | 5,383 |
| Net loans and leases to core deposits | 52.9998% | 5,310 |
| Total domestic deposits to total assets | 83.8365% | 3,581 |
| Equity capital to assets | 16.0112% | 536 |
| Core capital (leverage) ratio | 15.6530% | 515 |
| Tier 1 risk-based capital ratio | 28.9812% | 551 |
| Total risk-based capital ratio | 29.9149% | 551 |
| Memoranda: | ||
| Average total assets | $286,213,000 | 2,270 |
| Average earning assets | $259,597,000 | 2,310 |
| Average equity | $45,443,000 | 1,662 |
| Average total loans | $118,558,000 | 3,108 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0158% | 3,255 |
| Cost of funding earning assets | 0.2380% | 4,914 |
| Net interest margin | 3.7778% | 2,455 |
| Noninterest income to average assets | 0.8070% | 1,763 |
| Noninterest expense to average assets | 2.7764% | 3,326 |
| Loan and lease loss provision to assets | 0.0847% | 2,602 |
| Net operating income to assets | 1.2936% | 1,281 |
| Return on assets (ROA) | 1.2936% | 1,331 |
| Pretax return on assets | 1.3734% | 2,009 |
| Return on Equity (ROE) | 8.3019% | 2,797 |
| Retained earnings to average equity (ytd only) | 4.1962% | 3,002 |
| Net charge-offs to loans | 0.1495% | 1,872 |
| Credit loss provision to net charge-offs | 141.1765% | 1,863 |
| Earnings coverage of net charge-offs (x) | 24.3059% | 1,681 |
| Efficiency ratio | 65.5583% | 3,971 |
| Assets per employee ($millions) | 3.1518% | 5,353 |
| Cash dividends to net income (ytd only)* | 49.4544% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9951% | 4,649 |
| Loan loss allowance to noncurrent loans | 326.0504% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.2447% | 4,618 |
| Noncurrent loans to loans | 0.3052% | 4,367 |
| Net loans and leases to total assets | 40.8263% | 5,473 |
| Net loans and leases to deposits | 48.6188% | 5,457 |
| Net loans and leases to core deposits | 52.6125% | 5,388 |
| Total domestic deposits to total assets | 83.9723% | 3,493 |
| Equity capital to assets | 15.7411% | 555 |
| Core capital (leverage) ratio | 15.7312% | 499 |
| Tier 1 risk-based capital ratio | 29.1619% | 547 |
| Total risk-based capital ratio | 29.9512% | 556 |
| Memoranda: | ||
| Average total assets | $283,389,000 | 2,243 |
| Average earning assets | $257,108,800 | 2,286 |
| Average equity | $44,158,800 | 1,668 |
| Average total loans | $113,731,600 | 3,141 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0089% | 3,301 |
| Cost of funding earning assets | 0.2441% | 4,943 |
| Net interest margin | 3.7648% | 2,509 |
| Noninterest income to average assets | 0.7972% | 1,814 |
| Noninterest expense to average assets | 2.6782% | 3,643 |
| Loan and lease loss provision to assets | 0.0847% | 2,475 |
| Net operating income to assets | 1.3581% | 1,207 |
| Return on assets (ROA) | 1.3581% | 1,255 |
| Pretax return on assets | 1.4527% | 1,821 |
| Return on Equity (ROE) | 8.7382% | 2,712 |
| Retained earnings to average equity (ytd only) | 3.2488% | 4,146 |
| Net charge-offs to loans | 0.1688% | 1,472 |
| Credit loss provision to net charge-offs | 125.8741% | 1,916 |
| Earnings coverage of net charge-offs (x) | 22.8464% | 1,758 |
| Efficiency ratio | 63.5186% | 4,330 |
| Assets per employee ($millions) | 3.0603% | 5,478 |
| Cash dividends to net income (ytd only)* | 62.8205% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9684% | 4,901 |
| Loan loss allowance to noncurrent loans | 796.4789% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.2158% | 4,898 |
| Noncurrent loans to loans | 0.1216% | 5,142 |
| Net loans and leases to total assets | 41.5310% | 5,513 |
| Net loans and leases to deposits | 49.5712% | 5,491 |
| Net loans and leases to core deposits | 53.9621% | 5,407 |
| Total domestic deposits to total assets | 83.7805% | 3,514 |
| Equity capital to assets | 16.0213% | 562 |
| Core capital (leverage) ratio | 15.3291% | 583 |
| Tier 1 risk-based capital ratio | 28.6932% | 585 |
| Total risk-based capital ratio | 29.4631% | 594 |
| Memoranda: | ||
| Average total assets | $283,320,000 | 2,263 |
| Average earning assets | $257,252,250 | 2,296 |
| Average equity | $44,035,500 | 1,683 |
| Average total loans | $112,921,000 | 3,183 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9705% | 3,404 |
| Cost of funding earning assets | 0.2528% | 4,908 |
| Net interest margin | 3.7177% | 2,635 |
| Noninterest income to average assets | 0.7791% | 1,871 |
| Noninterest expense to average assets | 2.5957% | 3,923 |
| Loan and lease loss provision to assets | 0.0842% | 2,433 |
| Net operating income to assets | 1.3849% | 1,122 |
| Return on assets (ROA) | 1.3849% | 1,160 |
| Pretax return on assets | 1.4747% | 1,714 |
| Return on Equity (ROE) | 9.0006% | 2,547 |
| Retained earnings to average equity (ytd only) | 2.6094% | 4,399 |
| Net charge-offs to loans | 0.0967% | 2,046 |
| Credit loss provision to net charge-offs | 222.2222% | 1,130 |
| Earnings coverage of net charge-offs (x) | 41.1296% | 1,114 |
| Efficiency ratio | 62.4768% | 4,603 |
| Assets per employee ($millions) | 3.1119% | 5,449 |
| Cash dividends to net income (ytd only)* | 71.0086% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0145% | 4,797 |
| Loan loss allowance to noncurrent loans | 231.0757% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.3235% | 4,587 |
| Noncurrent loans to loans | 0.4390% | 4,166 |
| Net loans and leases to total assets | 39.9689% | 5,635 |
| Net loans and leases to deposits | 47.2755% | 5,619 |
| Net loans and leases to core deposits | 51.5635% | 5,557 |
| Total domestic deposits to total assets | 84.5447% | 3,321 |
| Equity capital to assets | 15.3010% | 648 |
| Core capital (leverage) ratio | 14.9076% | 630 |
| Tier 1 risk-based capital ratio | 28.6685% | 605 |
| Total risk-based capital ratio | 29.4645% | 622 |
| Memoranda: | ||
| Average total assets | $284,931,330 | 2,268 |
| Average earning assets | $258,705,670 | 2,305 |
| Average equity | $43,841,670 | 1,697 |
| Average total loans | $111,631,670 | 3,219 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8700% | 3,749 |
| Cost of funding earning assets | 0.2593% | 4,916 |
| Net interest margin | 3.6106% | 2,962 |
| Noninterest income to average assets | 0.8145% | 1,660 |
| Noninterest expense to average assets | 2.6732% | 3,683 |
| Loan and lease loss provision to assets | 0.0840% | 2,293 |
| Net operating income to assets | 1.2162% | 1,502 |
| Return on assets (ROA) | 1.2162% | 1,595 |
| Pretax return on assets | 1.3114% | 2,233 |
| Return on Equity (ROE) | 7.8825% | 3,014 |
| Retained earnings to average equity (ytd only) | 3.2655% | 4,025 |
| Net charge-offs to loans | 0.1197% | 1,550 |
| Credit loss provision to net charge-offs | 181.8182% | 1,115 |
| Earnings coverage of net charge-offs (x) | 30.2121% | 1,145 |
| Efficiency ratio | 65.7035% | 4,209 |
| Assets per employee ($millions) | 3.1077% | 5,536 |
| Cash dividends to net income (ytd only)* | 58.5731% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 4,923 |
| Loan loss allowance to noncurrent loans | 210.5263% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.3266% | 4,679 |
| Noncurrent loans to loans | 0.4840% | 4,125 |
| Net loans and leases to total assets | 37.6450% | 5,741 |
| Net loans and leases to deposits | 44.5969% | 5,731 |
| Net loans and leases to core deposits | 48.5922% | 5,645 |
| Total domestic deposits to total assets | 84.4118% | 3,649 |
| Equity capital to assets | 15.4287% | 641 |
| Core capital (leverage) ratio | 14.8794% | 625 |
| Tier 1 risk-based capital ratio | 29.6176% | 558 |
| Total risk-based capital ratio | 30.4167% | 573 |
| Memoranda: | ||
| Average total assets | $285,804,500 | 2,281 |
| Average earning assets | $257,572,000 | 2,328 |
| Average equity | $44,097,500 | 1,694 |
| Average total loans | $110,274,500 | 3,254 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1161% | 3,265 |
| Cost of funding earning assets | 0.3427% | 4,333 |
| Net interest margin | 3.7734% | 2,719 |
| Noninterest income to average assets | 0.9163% | 1,452 |
| Noninterest expense to average assets | 2.6356% | 4,104 |
| Loan and lease loss provision to assets | 0.0855% | 2,761 |
| Net operating income to assets | 1.5230% | 837 |
| Return on assets (ROA) | 1.5230% | 866 |
| Pretax return on assets | 1.6238% | 1,164 |
| Return on Equity (ROE) | 10.3667% | 1,965 |
| Retained earnings to average equity (ytd only) | 5.8199% | 2,045 |
| Net charge-offs to loans | 0.1775% | 2,252 |
| Credit loss provision to net charge-offs | 120.0000% | 1,999 |
| Earnings coverage of net charge-offs (x) | 23.9900% | 1,560 |
| Efficiency ratio | 60.6510% | 5,124 |
| Assets per employee ($millions) | 3.1400% | 5,516 |
| Cash dividends to net income (ytd only)* | 43.8596% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9889% | 5,118 |
| Loan loss allowance to noncurrent loans | 200.7339% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.3344% | 4,712 |
| Noncurrent loans to loans | 0.4926% | 4,181 |
| Net loans and leases to total assets | 38.7606% | 5,808 |
| Net loans and leases to deposits | 45.9565% | 5,798 |
| Net loans and leases to core deposits | 50.1481% | 5,708 |
| Total domestic deposits to total assets | 84.3420% | 3,577 |
| Equity capital to assets | 15.4298% | 623 |
| Core capital (leverage) ratio | 15.0008% | 613 |
| Tier 1 risk-based capital ratio | 29.1035% | 558 |
| Total risk-based capital ratio | 29.8787% | 570 |
| Memoranda: | ||
| Average total assets | $280,692,000 | 2,272 |
| Average earning assets | $255,047,400 | 2,308 |
| Average equity | $41,237,800 | 1,738 |
| Average total loans | $112,669,200 | 3,165 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1312% | 3,248 |
| Cost of funding earning assets | 0.3306% | 4,552 |
| Net interest margin | 3.8006% | 2,622 |
| Noninterest income to average assets | 0.9331% | 1,414 |
| Noninterest expense to average assets | 2.6760% | 3,916 |
| Loan and lease loss provision to assets | 0.0999% | 2,373 |
| Net operating income to assets | 1.5188% | 901 |
| Return on assets (ROA) | 1.5188% | 939 |
| Pretax return on assets | 1.6201% | 1,263 |
| Return on Equity (ROE) | 10.4706% | 2,020 |
| Retained earnings to average equity (ytd only) | 4.9958% | 3,082 |
| Net charge-offs to loans | 0.2073% | 1,811 |
| Credit loss provision to net charge-offs | 119.3182% | 1,922 |
| Earnings coverage of net charge-offs (x) | 20.5398% | 1,727 |
| Efficiency ratio | 60.8616% | 5,062 |
| Assets per employee ($millions) | 2.9909% | 5,729 |
| Cash dividends to net income (ytd only)* | 52.2871% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9737% | 5,325 |
| Loan loss allowance to noncurrent loans | 174.3590% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.3023% | 5,055 |
| Noncurrent loans to loans | 0.5585% | 4,245 |
| Net loans and leases to total assets | 38.9416% | 5,888 |
| Net loans and leases to deposits | 47.4182% | 5,800 |
| Net loans and leases to core deposits | 51.8498% | 5,691 |
| Total domestic deposits to total assets | 82.1239% | 4,442 |
| Equity capital to assets | 14.8659% | 761 |
| Core capital (leverage) ratio | 14.6626% | 683 |
| Tier 1 risk-based capital ratio | 28.6910% | 598 |
| Total risk-based capital ratio | 29.4696% | 612 |
| Memoranda: | ||
| Average total assets | $280,216,000 | 2,291 |
| Average earning assets | $255,319,250 | 2,316 |
| Average equity | $40,646,250 | 1,768 |
| Average total loans | $113,179,000 | 3,177 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1657% | 3,078 |
| Cost of funding earning assets | 0.3375% | 4,565 |
| Net interest margin | 3.8282% | 2,453 |
| Noninterest income to average assets | 0.9516% | 1,328 |
| Noninterest expense to average assets | 2.6604% | 4,018 |
| Loan and lease loss provision to assets | 0.0574% | 3,144 |
| Net operating income to assets | 1.6184% | 677 |
| Return on assets (ROA) | 1.6184% | 704 |
| Pretax return on assets | 1.7231% | 973 |
| Return on Equity (ROE) | 11.2526% | 1,645 |
| Retained earnings to average equity (ytd only) | 5.0704% | 2,918 |
| Net charge-offs to loans | 0.1654% | 2,069 |
| Credit loss provision to net charge-offs | 85.1064% | 2,260 |
| Earnings coverage of net charge-offs (x) | 26.4149% | 1,374 |
| Efficiency ratio | 59.8902% | 5,308 |
| Assets per employee ($millions) | 2.8694% | 5,936 |
| Cash dividends to net income (ytd only)* | 54.9402% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9226% | 5,655 |
| Loan loss allowance to noncurrent loans | 200.7722% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.2713% | 5,275 |
| Noncurrent loans to loans | 0.4595% | 4,617 |
| Net loans and leases to total assets | 40.1273% | 5,803 |
| Net loans and leases to deposits | 48.9019% | 5,714 |
| Net loans and leases to core deposits | 53.5787% | 5,579 |
| Total domestic deposits to total assets | 82.0568% | 4,627 |
| Equity capital to assets | 14.9709% | 706 |
| Core capital (leverage) ratio | 14.4806% | 707 |
| Tier 1 risk-based capital ratio | 28.3679% | 619 |
| Total risk-based capital ratio | 29.1093% | 639 |
| Memoranda: | ||
| Average total assets | $278,910,330 | 2,303 |
| Average earning assets | $254,221,670 | 2,321 |
| Average equity | $40,115,330 | 1,776 |
| Average total loans | $113,660,670 | 3,179 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1104% | 3,238 |
| Cost of funding earning assets | 0.3507% | 4,534 |
| Net interest margin | 3.7597% | 2,638 |
| Noninterest income to average assets | 0.9398% | 1,281 |
| Noninterest expense to average assets | 2.8095% | 3,527 |
| Loan and lease loss provision to assets | 0.0287% | 3,454 |
| Net operating income to assets | 1.4183% | 956 |
| Return on assets (ROA) | 1.4183% | 1,000 |
| Pretax return on assets | 1.5272% | 1,347 |
| Return on Equity (ROE) | 10.0665% | 2,014 |
| Retained earnings to average equity (ytd only) | 5.0332% | 3,095 |
| Net charge-offs to loans | 0.1367% | 1,892 |
| Credit loss provision to net charge-offs | 51.2821% | 2,186 |
| Earnings coverage of net charge-offs (x) | 27.8462% | 1,097 |
| Efficiency ratio | 64.3584% | 4,804 |
| Assets per employee ($millions) | 2.9454% | 5,918 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9147% | 5,824 |
| Loan loss allowance to noncurrent loans | 197.5191% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.2866% | 5,304 |
| Noncurrent loans to loans | 0.4631% | 4,764 |
| Net loans and leases to total assets | 40.0662% | 5,802 |
| Net loans and leases to deposits | 48.4649% | 5,704 |
| Net loans and leases to core deposits | 53.3034% | 5,545 |
| Total domestic deposits to total assets | 82.6705% | 4,729 |
| Equity capital to assets | 14.3315% | 821 |
| Core capital (leverage) ratio | 14.1977% | 758 |
| Tier 1 risk-based capital ratio | 28.5155% | 607 |
| Total risk-based capital ratio | 29.2613% | 627 |
| Memoranda: | ||
| Average total assets | $279,198,500 | 2,308 |
| Average earning assets | $254,381,000 | 2,325 |
| Average equity | $39,338,500 | 1,793 |
| Average total loans | $114,127,000 | 3,183 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1735% | 3,438 |
| Cost of funding earning assets | 0.4212% | 4,424 |
| Net interest margin | 3.7523% | 2,837 |
| Noninterest income to average assets | 0.8898% | 1,717 |
| Noninterest expense to average assets | 2.5955% | 4,484 |
| Loan and lease loss provision to assets | 0.0854% | 3,404 |
| Net operating income to assets | 1.5142% | 796 |
| Return on assets (ROA) | 1.5142% | 833 |
| Pretax return on assets | 1.6228% | 1,115 |
| Return on Equity (ROE) | 10.8132% | 1,827 |
| Retained earnings to average equity (ytd only) | 5.6302% | 2,196 |
| Net charge-offs to loans | 0.2077% | 2,795 |
| Credit loss provision to net charge-offs | 103.8961% | 2,335 |
| Earnings coverage of net charge-offs (x) | 20.7835% | 1,525 |
| Efficiency ratio | 60.2927% | 5,430 |
| Assets per employee ($millions) | 2.9955% | 5,843 |
| Cash dividends to net income (ytd only)* | 47.9323% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9157% | 5,875 |
| Loan loss allowance to noncurrent loans | 205.4581% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.2886% | 5,392 |
| Noncurrent loans to loans | 0.4457% | 4,888 |
| Net loans and leases to total assets | 40.9408% | 5,897 |
| Net loans and leases to deposits | 50.2390% | 5,750 |
| Net loans and leases to core deposits | 55.5092% | 5,576 |
| Total domestic deposits to total assets | 81.4922% | 5,040 |
| Equity capital to assets | 13.8470% | 949 |
| Core capital (leverage) ratio | 14.1876% | 778 |
| Tier 1 risk-based capital ratio | 27.6119% | 633 |
| Total risk-based capital ratio | 28.3572% | 659 |
| Memoranda: | ||
| Average total assets | $281,064,200 | 2,264 |
| Average earning assets | $255,708,200 | 2,280 |
| Average equity | $39,359,200 | 1,776 |
| Average total loans | $111,240,200 | 3,225 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1432% | 3,591 |
| Cost of funding earning assets | 0.4325% | 4,482 |
| Net interest margin | 3.7107% | 2,989 |
| Noninterest income to average assets | 0.8884% | 1,798 |
| Noninterest expense to average assets | 2.6137% | 4,340 |
| Loan and lease loss provision to assets | 0.0710% | 3,646 |
| Net operating income to assets | 1.4706% | 949 |
| Return on assets (ROA) | 1.4706% | 1,001 |
| Pretax return on assets | 1.5866% | 1,369 |
| Return on Equity (ROE) | 10.4728% | 2,011 |
| Retained earnings to average equity (ytd only) | 4.2909% | 3,626 |
| Net charge-offs to loans | 0.2503% | 2,317 |
| Credit loss provision to net charge-offs | 72.4638% | 3,017 |
| Earnings coverage of net charge-offs (x) | 16.9181% | 1,767 |
| Efficiency ratio | 61.1813% | 5,245 |
| Assets per employee ($millions) | 3.0033% | 5,844 |
| Cash dividends to net income (ytd only)* | 59.0280% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8865% | 6,089 |
| Loan loss allowance to noncurrent loans | 165.7718% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.3641% | 5,319 |
| Noncurrent loans to loans | 0.5348% | 4,856 |
| Net loans and leases to total assets | 39.9776% | 6,032 |
| Net loans and leases to deposits | 49.5176% | 5,870 |
| Net loans and leases to core deposits | 55.0516% | 5,691 |
| Total domestic deposits to total assets | 80.7340% | 5,292 |
| Equity capital to assets | 13.7337% | 1,040 |
| Core capital (leverage) ratio | 13.9052% | 890 |
| Tier 1 risk-based capital ratio | 27.8076% | 648 |
| Total risk-based capital ratio | 28.5288% | 669 |
| Memoranda: | ||
| Average total assets | $281,685,250 | 2,269 |
| Average earning assets | $256,802,750 | 2,276 |
| Average equity | $39,555,250 | 1,776 |
| Average total loans | $110,273,500 | 3,260 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1454% | 3,558 |
| Cost of funding earning assets | 0.4431% | 4,503 |
| Net interest margin | 3.7023% | 2,946 |
| Noninterest income to average assets | 0.8636% | 1,947 |
| Noninterest expense to average assets | 2.5371% | 4,603 |
| Loan and lease loss provision to assets | 0.1058% | 3,022 |
| Net operating income to assets | 1.4830% | 927 |
| Return on assets (ROA) | 1.4830% | 1,000 |
| Pretax return on assets | 1.5924% | 1,391 |
| Return on Equity (ROE) | 10.4861% | 2,017 |
| Retained earnings to average equity (ytd only) | 4.0956% | 3,683 |
| Net charge-offs to loans | 0.1329% | 3,051 |
| Credit loss provision to net charge-offs | 205.4795% | 1,166 |
| Earnings coverage of net charge-offs (x) | 32.9726% | 1,070 |
| Efficiency ratio | 59.8867% | 5,503 |
| Assets per employee ($millions) | 2.9605% | 5,910 |
| Cash dividends to net income (ytd only)* | 60.9420% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0106% | 5,776 |
| Loan loss allowance to noncurrent loans | 218.2879% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.3629% | 5,404 |
| Noncurrent loans to loans | 0.4630% | 5,105 |
| Net loans and leases to total assets | 39.4929% | 6,075 |
| Net loans and leases to deposits | 48.9404% | 5,924 |
| Net loans and leases to core deposits | 54.7310% | 5,691 |
| Total domestic deposits to total assets | 80.6959% | 5,424 |
| Equity capital to assets | 13.9038% | 994 |
| Core capital (leverage) ratio | 13.4450% | 1,001 |
| Tier 1 risk-based capital ratio | 27.2967% | 669 |
| Total risk-based capital ratio | 28.1097% | 695 |
| Memoranda: | ||
| Average total assets | $283,478,670 | 2,267 |
| Average earning assets | $258,162,670 | 2,279 |
| Average equity | $40,091,330 | 1,755 |
| Average total loans | $109,882,000 | 3,274 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0780% | 3,812 |
| Cost of funding earning assets | 0.4591% | 4,493 |
| Net interest margin | 3.6189% | 3,186 |
| Noninterest income to average assets | 0.8557% | 1,913 |
| Noninterest expense to average assets | 2.6203% | 4,336 |
| Loan and lease loss provision to assets | 0.1258% | 2,661 |
| Net operating income to assets | 1.2878% | 1,312 |
| Return on assets (ROA) | 1.2878% | 1,414 |
| Pretax return on assets | 1.3940% | 1,876 |
| Return on Equity (ROE) | 9.0314% | 2,482 |
| Retained earnings to average equity (ytd only) | 3.1085% | 4,411 |
| Net charge-offs to loans | 0.1354% | 2,595 |
| Credit loss provision to net charge-offs | 243.2432% | 942 |
| Earnings coverage of net charge-offs (x) | 29.3784% | 971 |
| Efficiency ratio | 63.2894% | 5,119 |
| Assets per employee ($millions) | 2.9119% | 6,131 |
| Cash dividends to net income (ytd only)* | 65.5809% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9871% | 6,031 |
| Loan loss allowance to noncurrent loans | 180.0000% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.3708% | 5,474 |
| Noncurrent loans to loans | 0.5484% | 5,068 |
| Net loans and leases to total assets | 38.5938% | 6,111 |
| Net loans and leases to deposits | 47.9780% | 5,923 |
| Net loans and leases to core deposits | 54.2973% | 5,646 |
| Total domestic deposits to total assets | 80.4406% | 5,655 |
| Equity capital to assets | 14.2483% | 953 |
| Core capital (leverage) ratio | 13.0886% | 1,081 |
| Tier 1 risk-based capital ratio | 26.6575% | 735 |
| Total risk-based capital ratio | 27.4465% | 754 |
| Memoranda: | ||
| Average total assets | $286,076,500 | 2,276 |
| Average earning assets | $259,638,500 | 2,291 |
| Average equity | $40,791,000 | 1,751 |
| Average total loans | $109,311,000 | 3,301 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3956% | 3,825 |
| Cost of funding earning assets | 0.5841% | 4,500 |
| Net interest margin | 3.8115% | 3,174 |
| Noninterest income to average assets | 0.7181% | 2,626 |
| Noninterest expense to average assets | 2.5437% | 4,950 |
| Loan and lease loss provision to assets | 0.0394% | 5,377 |
| Net operating income to assets | 1.4844% | 948 |
| Return on assets (ROA) | 1.5711% | 873 |
| Pretax return on assets | 1.7258% | 1,078 |
| Return on Equity (ROE) | 11.1495% | 1,757 |
| Retained earnings to average equity (ytd only) | 4.2752% | 3,216 |
| Net charge-offs to loans | 0.5295% | 2,141 |
| Credit loss provision to net charge-offs | 19.9288% | 5,288 |
| Earnings coverage of net charge-offs (x) | 8.4537% | 2,412 |
| Efficiency ratio | 60.3520% | 5,493 |
| Assets per employee ($millions) | 3.1515% | 5,735 |
| Cash dividends to net income (ytd only)* | 61.6555% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9731% | 6,053 |
| Loan loss allowance to noncurrent loans | 933.0357% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.2315% | 5,981 |
| Noncurrent loans to loans | 0.1043% | 6,226 |
| Net loans and leases to total assets | 37.0817% | 6,365 |
| Net loans and leases to deposits | 46.6323% | 6,206 |
| Net loans and leases to core deposits | 52.8446% | 5,955 |
| Total domestic deposits to total assets | 79.5192% | 5,781 |
| Equity capital to assets | 14.2692% | 949 |
| Core capital (leverage) ratio | 13.1245% | 1,070 |
| Tier 1 risk-based capital ratio | 26.6480% | 721 |
| Total risk-based capital ratio | 27.4003% | 745 |
| Memoranda: | ||
| Average total assets | $284,511,400 | 2,238 |
| Average earning assets | $260,918,200 | 2,227 |
| Average equity | $40,091,400 | 1,733 |
| Average total loans | $106,142,400 | 3,371 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4565% | 3,795 |
| Cost of funding earning assets | 0.6119% | 4,524 |
| Net interest margin | 3.8446% | 3,143 |
| Noninterest income to average assets | 0.6644% | 2,906 |
| Noninterest expense to average assets | 2.5145% | 5,038 |
| Loan and lease loss provision to assets | 0.0531% | 5,087 |
| Net operating income to assets | 1.5061% | 1,006 |
| Return on assets (ROA) | 1.6219% | 891 |
| Pretax return on assets | 1.7632% | 1,140 |
| Return on Equity (ROE) | 11.5466% | 1,778 |
| Retained earnings to average equity (ytd only) | 4.2790% | 3,884 |
| Net charge-offs to loans | 0.5317% | 2,015 |
| Credit loss provision to net charge-offs | 26.7773% | 4,851 |
| Earnings coverage of net charge-offs (x) | 8.5308% | 2,433 |
| Efficiency ratio | 59.7767% | 5,533 |
| Assets per employee ($millions) | 3.0548% | 5,956 |
| Cash dividends to net income (ytd only)* | 62.9414% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 5,639 |
| Loan loss allowance to noncurrent loans | 765.1613% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.2647% | 6,040 |
| Noncurrent loans to loans | 0.1463% | 6,240 |
| Net loans and leases to total assets | 37.2664% | 6,465 |
| Net loans and leases to deposits | 47.5694% | 6,283 |
| Net loans and leases to core deposits | 54.5992% | 6,000 |
| Total domestic deposits to total assets | 78.3411% | 6,008 |
| Equity capital to assets | 14.5404% | 957 |
| Core capital (leverage) ratio | 12.9349% | 1,211 |
| Tier 1 risk-based capital ratio | 26.5941% | 771 |
| Total risk-based capital ratio | 27.4563% | 789 |
| Memoranda: | ||
| Average total assets | $283,942,750 | 2,267 |
| Average earning assets | $261,483,750 | 2,243 |
| Average equity | $39,883,750 | 1,759 |
| Average total loans | $105,830,500 | 3,415 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4955% | 3,788 |
| Cost of funding earning assets | 0.6370% | 4,554 |
| Net interest margin | 3.8585% | 3,098 |
| Noninterest income to average assets | 0.7188% | 2,559 |
| Noninterest expense to average assets | 2.5468% | 4,975 |
| Loan and lease loss provision to assets | 0.0793% | 4,616 |
| Net operating income to assets | 1.5238% | 956 |
| Return on assets (ROA) | 1.6988% | 756 |
| Pretax return on assets | 1.8357% | 973 |
| Return on Equity (ROE) | 12.2356% | 1,595 |
| Retained earnings to average equity (ytd only) | 4.8235% | 3,390 |
| Net charge-offs to loans | 0.7070% | 1,568 |
| Credit loss provision to net charge-offs | 30.2139% | 4,439 |
| Earnings coverage of net charge-offs (x) | 6.5775% | 2,614 |
| Efficiency ratio | 59.5762% | 5,641 |
| Assets per employee ($millions) | 3.2950% | 5,458 |
| Cash dividends to net income (ytd only)* | 60.5785% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1868% | 5,411 |
| Loan loss allowance to noncurrent loans | 881.4286% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.2313% | 6,193 |
| Noncurrent loans to loans | 0.1346% | 6,323 |
| Net loans and leases to total assets | 35.8421% | 6,615 |
| Net loans and leases to deposits | 45.3323% | 6,484 |
| Net loans and leases to core deposits | 52.1267% | 6,229 |
| Total domestic deposits to total assets | 79.0652% | 5,949 |
| Equity capital to assets | 14.0215% | 1,087 |
| Core capital (leverage) ratio | 12.5899% | 1,314 |
| Tier 1 risk-based capital ratio | 24.4420% | 965 |
| Total risk-based capital ratio | 25.2739% | 989 |
| Memoranda: | ||
| Average total assets | $284,909,000 | 2,269 |
| Average earning assets | $262,485,000 | 2,240 |
| Average equity | $39,556,670 | 1,762 |
| Average total loans | $105,800,330 | 3,439 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5363% | 3,773 |
| Cost of funding earning assets | 0.6621% | 4,616 |
| Net interest margin | 3.8742% | 3,034 |
| Noninterest income to average assets | 0.7210% | 2,552 |
| Noninterest expense to average assets | 2.5138% | 5,101 |
| Loan and lease loss provision to assets | 0.0535% | 4,743 |
| Net operating income to assets | 1.6229% | 826 |
| Return on assets (ROA) | 1.9815% | 498 |
| Pretax return on assets | 2.0829% | 653 |
| Return on Equity (ROE) | 14.3434% | 1,116 |
| Retained earnings to average equity (ytd only) | 10.0312% | 1,262 |
| Net charge-offs to loans | 0.0900% | 3,618 |
| Credit loss provision to net charge-offs | 158.3333% | 1,602 |
| Earnings coverage of net charge-offs (x) | 52.0417% | 620 |
| Efficiency ratio | 58.8003% | 5,803 |
| Assets per employee ($millions) | 2.9769% | 6,194 |
| Cash dividends to net income (ytd only)* | 30.0640% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4157% | 4,539 |
| Loan loss allowance to noncurrent loans | 236.1502% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.3961% | 5,875 |
| Noncurrent loans to loans | 0.5995% | 5,461 |
| Net loans and leases to total assets | 36.7698% | 6,573 |
| Net loans and leases to deposits | 46.3564% | 6,400 |
| Net loans and leases to core deposits | 53.1165% | 6,118 |
| Total domestic deposits to total assets | 79.3198% | 6,008 |
| Equity capital to assets | 13.7484% | 1,118 |
| Core capital (leverage) ratio | 12.7429% | 1,223 |
| Tier 1 risk-based capital ratio | 24.2521% | 981 |
| Total risk-based capital ratio | 25.2607% | 990 |
| Memoranda: | ||
| Average total assets | $284,030,500 | 2,291 |
| Average earning assets | $260,386,500 | 2,276 |
| Average equity | $39,237,500 | 1,767 |
| Average total loans | $106,710,000 | 3,435 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8762% | 3,470 |
| Cost of funding earning assets | 0.7956% | 4,903 |
| Net interest margin | 4.0806% | 2,525 |
| Noninterest income to average assets | 0.7255% | 2,474 |
| Noninterest expense to average assets | 2.5654% | 5,227 |
| Loan and lease loss provision to assets | 0.0853% | 5,535 |
| Net operating income to assets | 1.6669% | 587 |
| Return on assets (ROA) | 1.8111% | 486 |
| Pretax return on assets | 1.9450% | 601 |
| Return on Equity (ROE) | 13.8824% | 961 |
| Retained earnings to average equity (ytd only) | 7.7507% | 1,171 |
| Net charge-offs to loans | 0.3494% | 3,651 |
| Credit loss provision to net charge-offs | 61.7188% | 5,124 |
| Earnings coverage of net charge-offs (x) | 13.5703% | 1,531 |
| Efficiency ratio | 57.5284% | 6,110 |
| Assets per employee ($millions) | 3.2077% | 5,694 |
| Cash dividends to net income (ytd only)* | 44.1685% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3994% | 4,461 |
| Loan loss allowance to noncurrent loans | 243.4853% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.3904% | 5,997 |
| Noncurrent loans to loans | 0.5748% | 5,564 |
| Net loans and leases to total assets | 37.3157% | 6,679 |
| Net loans and leases to deposits | 47.2072% | 6,551 |
| Net loans and leases to core deposits | 55.0252% | 6,227 |
| Total domestic deposits to total assets | 79.0467% | 5,987 |
| Equity capital to assets | 13.8815% | 1,113 |
| Core capital (leverage) ratio | 12.5874% | 1,314 |
| Tier 1 risk-based capital ratio | 23.6569% | 1,004 |
| Total risk-based capital ratio | 24.6594% | 1,025 |
| Memoranda: | ||
| Average total assets | $277,895,400 | 2,284 |
| Average earning assets | $253,003,400 | 2,282 |
| Average equity | $36,254,600 | 1,872 |
| Average total loans | $109,898,200 | 3,390 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9368% | 3,397 |
| Cost of funding earning assets | 0.8196% | 5,011 |
| Net interest margin | 4.1172% | 2,405 |
| Noninterest income to average assets | 0.7167% | 2,495 |
| Noninterest expense to average assets | 2.5900% | 5,120 |
| Loan and lease loss provision to assets | 0.0564% | 5,736 |
| Net operating income to assets | 1.7275% | 589 |
| Return on assets (ROA) | 1.9234% | 442 |
| Pretax return on assets | 2.0245% | 599 |
| Return on Equity (ROE) | 14.9874% | 843 |
| Retained earnings to average equity (ytd only) | 7.5406% | 1,694 |
| Net charge-offs to loans | 0.0301% | 5,724 |
| Credit loss provision to net charge-offs | 468.0000% | 594 |
| Earnings coverage of net charge-offs (x) | 155.6916% | 251 |
| Efficiency ratio | 57.7732% | 6,048 |
| Assets per employee ($millions) | 3.1894% | 5,705 |
| Cash dividends to net income (ytd only)* | 49.6870% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5803% | 3,755 |
| Loan loss allowance to noncurrent loans | 133.5901% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.5404% | 5,752 |
| Noncurrent loans to loans | 1.1829% | 4,566 |
| Net loans and leases to total assets | 38.0443% | 6,768 |
| Net loans and leases to deposits | 47.9109% | 6,624 |
| Net loans and leases to core deposits | 56.6895% | 6,256 |
| Total domestic deposits to total assets | 79.4065% | 5,887 |
| Equity capital to assets | 13.5753% | 1,338 |
| Core capital (leverage) ratio | 12.3312% | 1,520 |
| Tier 1 risk-based capital ratio | 22.7742% | 1,178 |
| Total risk-based capital ratio | 23.9189% | 1,170 |
| Memoranda: | ||
| Average total assets | $276,800,500 | 2,306 |
| Average earning assets | $251,977,250 | 2,298 |
| Average equity | $35,522,250 | 1,901 |
| Average total loans | $110,665,750 | 3,396 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9522% | 3,391 |
| Cost of funding earning assets | 0.8459% | 5,093 |
| Net interest margin | 4.1063% | 2,386 |
| Noninterest income to average assets | 0.6938% | 2,585 |
| Noninterest expense to average assets | 2.5717% | 5,285 |
| Loan and lease loss provision to assets | 0.0853% | 5,242 |
| Net operating income to assets | 1.6746% | 631 |
| Return on assets (ROA) | 1.6746% | 675 |
| Pretax return on assets | 1.7759% | 921 |
| Return on Equity (ROE) | 13.3148% | 1,132 |
| Retained earnings to average equity (ytd only) | 5.3769% | 2,758 |
| Net charge-offs to loans | 0.0595% | 5,053 |
| Credit loss provision to net charge-offs | 354.5455% | 867 |
| Earnings coverage of net charge-offs (x) | 77.3939% | 441 |
| Efficiency ratio | 57.7675% | 6,195 |
| Assets per employee ($millions) | 3.0984% | 5,883 |
| Cash dividends to net income (ytd only)* | 59.6171% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5934% | 3,716 |
| Loan loss allowance to noncurrent loans | 103.9157% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.6853% | 5,536 |
| Noncurrent loans to loans | 1.5333% | 4,113 |
| Net loans and leases to total assets | 38.2049% | 6,850 |
| Net loans and leases to deposits | 47.8908% | 6,733 |
| Net loans and leases to core deposits | 55.5360% | 6,450 |
| Total domestic deposits to total assets | 79.7749% | 5,890 |
| Equity capital to assets | 13.0906% | 1,477 |
| Core capital (leverage) ratio | 12.1162% | 1,547 |
| Tier 1 risk-based capital ratio | 22.2621% | 1,221 |
| Total risk-based capital ratio | 23.4113% | 1,200 |
| Memoranda: | ||
| Average total assets | $274,447,000 | 2,333 |
| Average earning assets | $249,906,670 | 2,328 |
| Average equity | $34,518,000 | 1,932 |
| Average total loans | $110,978,670 | 3,433 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8512% | 3,814 |
| Cost of funding earning assets | 0.8848% | 5,033 |
| Net interest margin | 3.9664% | 2,844 |
| Noninterest income to average assets | 0.6817% | 2,671 |
| Noninterest expense to average assets | 2.4552% | 5,723 |
| Loan and lease loss provision to assets | 0.1719% | 3,914 |
| Net operating income to assets | 1.5692% | 740 |
| Return on assets (ROA) | 1.5692% | 783 |
| Pretax return on assets | 1.6706% | 1,034 |
| Return on Equity (ROE) | 12.7427% | 1,263 |
| Retained earnings to average equity (ytd only) | 6.6100% | 2,317 |
| Net charge-offs to loans | -0.0463% | 6,855 |
| Credit loss provision to net charge-offs | -900.0000% | 6,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8547% | 6,399 |
| Assets per employee ($millions) | 3.0616% | 6,027 |
| Cash dividends to net income (ytd only)* | 48.1273% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5925% | 3,762 |
| Loan loss allowance to noncurrent loans | 78.4765% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 1.1021% | 4,714 |
| Noncurrent loans to loans | 2.0293% | 3,535 |
| Net loans and leases to total assets | 40.1857% | 6,763 |
| Net loans and leases to deposits | 50.5514% | 6,582 |
| Net loans and leases to core deposits | 58.2710% | 6,230 |
| Total domestic deposits to total assets | 79.4947% | 6,060 |
| Equity capital to assets | 12.4231% | 1,667 |
| Core capital (leverage) ratio | 12.1838% | 1,464 |
| Tier 1 risk-based capital ratio | 22.1866% | 1,200 |
| Total risk-based capital ratio | 23.3763% | 1,184 |
| Memoranda: | ||
| Average total assets | $272,242,000 | 2,367 |
| Average earning assets | $248,187,500 | 2,367 |
| Average equity | $33,525,000 | 1,966 |
| Average total loans | $112,337,000 | 3,435 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1507% | 3,847 |
| Cost of funding earning assets | 1.1185% | 5,031 |
| Net interest margin | 4.0323% | 2,879 |
| Noninterest income to average assets | 0.7132% | 2,764 |
| Noninterest expense to average assets | 2.5675% | 5,553 |
| Loan and lease loss provision to assets | 0.2517% | 4,781 |
| Net operating income to assets | 1.4468% | 860 |
| Return on assets (ROA) | 1.6587% | 607 |
| Pretax return on assets | 1.7607% | 826 |
| Return on Equity (ROE) | 13.8427% | 920 |
| Retained earnings to average equity (ytd only) | 8.1798% | 922 |
| Net charge-offs to loans | 0.6568% | 3,038 |
| Credit loss provision to net charge-offs | 89.6239% | 5,145 |
| Earnings coverage of net charge-offs (x) | 6.3632% | 2,375 |
| Efficiency ratio | 58.6867% | 6,249 |
| Assets per employee ($millions) | 3.1628% | 5,750 |
| Cash dividends to net income (ytd only)* | 40.9091% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4479% | 4,293 |
| Loan loss allowance to noncurrent loans | 88.0429% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 1.1853% | 4,645 |
| Noncurrent loans to loans | 1.6446% | 4,037 |
| Net loans and leases to total assets | 41.0884% | 6,897 |
| Net loans and leases to deposits | 52.2402% | 6,728 |
| Net loans and leases to core deposits | 60.3981% | 6,366 |
| Total domestic deposits to total assets | 78.6529% | 6,178 |
| Equity capital to assets | 12.2056% | 1,786 |
| Core capital (leverage) ratio | 11.9094% | 1,613 |
| Tier 1 risk-based capital ratio | 21.5218% | 1,242 |
| Total risk-based capital ratio | 22.6095% | 1,240 |
| Memoranda: | ||
| Average total assets | $274,546,400 | 2,325 |
| Average earning assets | $247,925,800 | 2,354 |
| Average equity | $32,898,200 | 2,000 |
| Average total loans | $117,381,400 | 3,378 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2145% | 3,764 |
| Cost of funding earning assets | 1.1524% | 5,132 |
| Net interest margin | 4.0620% | 2,802 |
| Noninterest income to average assets | 0.6972% | 2,829 |
| Noninterest expense to average assets | 2.4865% | 5,760 |
| Loan and lease loss provision to assets | 0.2350% | 4,722 |
| Net operating income to assets | 1.5542% | 818 |
| Return on assets (ROA) | 1.7830% | 576 |
| Pretax return on assets | 1.8848% | 791 |
| Return on Equity (ROE) | 14.9485% | 867 |
| Retained earnings to average equity (ytd only) | 8.1729% | 1,362 |
| Net charge-offs to loans | 0.6927% | 2,683 |
| Credit loss provision to net charge-offs | 78.8618% | 5,172 |
| Earnings coverage of net charge-offs (x) | 6.3057% | 2,548 |
| Efficiency ratio | 56.6815% | 6,459 |
| Assets per employee ($millions) | 3.1227% | 5,870 |
| Cash dividends to net income (ytd only)* | 45.3260% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3856% | 4,546 |
| Loan loss allowance to noncurrent loans | 70.3491% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 1.2162% | 4,718 |
| Noncurrent loans to loans | 1.9696% | 3,721 |
| Net loans and leases to total assets | 41.2317% | 7,012 |
| Net loans and leases to deposits | 52.6131% | 6,858 |
| Net loans and leases to core deposits | 62.2863% | 6,435 |
| Total domestic deposits to total assets | 78.3676% | 6,178 |
| Equity capital to assets | 12.6171% | 1,799 |
| Core capital (leverage) ratio | 11.4944% | 1,942 |
| Tier 1 risk-based capital ratio | 20.8392% | 1,388 |
| Total risk-based capital ratio | 21.8821% | 1,402 |
| Memoranda: | ||
| Average total assets | $275,183,250 | 2,350 |
| Average earning assets | $248,508,250 | 2,391 |
| Average equity | $32,823,000 | 2,027 |
| Average total loans | $118,376,250 | 3,396 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1893% | 4,009 |
| Cost of funding earning assets | 1.1860% | 5,203 |
| Net interest margin | 4.0032% | 3,002 |
| Noninterest income to average assets | 0.7105% | 2,646 |
| Noninterest expense to average assets | 2.5055% | 5,701 |
| Loan and lease loss provision to assets | 0.3109% | 3,893 |
| Net operating income to assets | 1.4254% | 1,044 |
| Return on assets (ROA) | 1.6316% | 727 |
| Pretax return on assets | 1.7326% | 994 |
| Return on Equity (ROE) | 13.9474% | 1,050 |
| Retained earnings to average equity (ytd only) | 6.7129% | 1,968 |
| Net charge-offs to loans | 0.8215% | 2,198 |
| Credit loss provision to net charge-offs | 87.1690% | 4,516 |
| Earnings coverage of net charge-offs (x) | 5.1141% | 2,744 |
| Efficiency ratio | 57.5839% | 6,437 |
| Assets per employee ($millions) | 3.0887% | 5,949 |
| Cash dividends to net income (ytd only)* | 51.8700% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4188% | 4,341 |
| Loan loss allowance to noncurrent loans | 78.4397% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 1.3742% | 4,424 |
| Noncurrent loans to loans | 1.8088% | 3,991 |
| Net loans and leases to total assets | 41.4674% | 7,067 |
| Net loans and leases to deposits | 52.4529% | 6,953 |
| Net loans and leases to core deposits | 61.9164% | 6,559 |
| Total domestic deposits to total assets | 79.0564% | 6,022 |
| Equity capital to assets | 12.0541% | 2,070 |
| Core capital (leverage) ratio | 11.0131% | 2,235 |
| Tier 1 risk-based capital ratio | 20.1250% | 1,495 |
| Total risk-based capital ratio | 21.2064% | 1,488 |
| Memoranda: | ||
| Average total assets | $275,310,670 | 2,368 |
| Average earning assets | $248,898,330 | 2,403 |
| Average equity | $32,206,670 | 2,050 |
| Average total loans | $119,536,000 | 3,413 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2851% | 3,616 |
| Cost of funding earning assets | 1.2204% | 5,276 |
| Net interest margin | 4.0647% | 2,587 |
| Noninterest income to average assets | 0.6774% | 2,755 |
| Noninterest expense to average assets | 2.4674% | 5,845 |
| Loan and lease loss provision to assets | 0.2497% | 4,051 |
| Net operating income to assets | 1.5434% | 829 |
| Return on assets (ROA) | 1.9637% | 402 |
| Pretax return on assets | 2.0644% | 540 |
| Return on Equity (ROE) | 17.0491% | 602 |
| Retained earnings to average equity (ytd only) | 6.0844% | 2,582 |
| Net charge-offs to loans | 1.0096% | 1,631 |
| Credit loss provision to net charge-offs | 56.0656% | 4,383 |
| Earnings coverage of net charge-offs (x) | 4.2033% | 2,675 |
| Efficiency ratio | 56.5276% | 6,693 |
| Assets per employee ($millions) | 3.1390% | 5,904 |
| Cash dividends to net income (ytd only)* | 64.3123% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3431% | 4,717 |
| Loan loss allowance to noncurrent loans | 128.5830% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.9662% | 5,220 |
| Noncurrent loans to loans | 1.0446% | 5,254 |
| Net loans and leases to total assets | 42.2268% | 7,114 |
| Net loans and leases to deposits | 53.1122% | 6,974 |
| Net loans and leases to core deposits | 61.2922% | 6,656 |
| Total domestic deposits to total assets | 79.5049% | 5,945 |
| Equity capital to assets | 11.4549% | 2,397 |
| Core capital (leverage) ratio | 11.1011% | 2,159 |
| Tier 1 risk-based capital ratio | 19.9248% | 1,539 |
| Total risk-based capital ratio | 20.9699% | 1,543 |
| Memoranda: | ||
| Average total assets | $273,976,000 | 2,440 |
| Average earning assets | $246,809,000 | 2,483 |
| Average equity | $31,556,000 | 2,107 |
| Average total loans | $120,839,000 | 3,449 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6816% | 3,199 |
| Cost of funding earning assets | 1.4760% | 5,608 |
| Net interest margin | 4.2056% | 2,044 |
| Noninterest income to average assets | 0.7120% | 2,888 |
| Noninterest expense to average assets | 2.6600% | 5,551 |
| Loan and lease loss provision to assets | 0.3001% | 5,035 |
| Net operating income to assets | 1.4678% | 722 |
| Return on assets (ROA) | 1.6152% | 558 |
| Pretax return on assets | 1.7934% | 641 |
| Return on Equity (ROE) | 13.9678% | 790 |
| Retained earnings to average equity (ytd only) | -4.2950% | 5,916 |
| Net charge-offs to loans | 0.6163% | 3,363 |
| Credit loss provision to net charge-offs | 97.8829% | 5,691 |
| Earnings coverage of net charge-offs (x) | 6.2951% | 2,395 |
| Efficiency ratio | 56.2588% | 6,981 |
| Assets per employee ($millions) | 3.0877% | 6,014 |
| Cash dividends to net income (ytd only)* | 130.7492% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3949% | 4,261 |
| Loan loss allowance to noncurrent loans | 124.4220% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 1.0603% | 4,980 |
| Noncurrent loans to loans | 1.1211% | 5,088 |
| Net loans and leases to total assets | 44.7976% | 7,067 |
| Net loans and leases to deposits | 56.4845% | 6,892 |
| Net loans and leases to core deposits | 77.5623% | 6,298 |
| Total domestic deposits to total assets | 79.3096% | 5,898 |
| Equity capital to assets | 11.5818% | 2,258 |
| Core capital (leverage) ratio | 11.3371% | 2,013 |
| Tier 1 risk-based capital ratio | 19.3662% | 1,578 |
| Total risk-based capital ratio | 20.4856% | 1,574 |
| Memoranda: | ||
| Average total assets | $261,953,800 | 2,496 |
| Average earning assets | $241,535,200 | 2,486 |
| Average equity | $30,291,200 | 2,209 |
| Average total loans | $130,288,400 | 3,263 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7310% | 3,183 |
| Cost of funding earning assets | 1.5376% | 5,678 |
| Net interest margin | 4.1934% | 2,089 |
| Noninterest income to average assets | 0.7224% | 2,868 |
| Noninterest expense to average assets | 2.7019% | 5,317 |
| Loan and lease loss provision to assets | 0.3160% | 4,451 |
| Net operating income to assets | 1.4171% | 986 |
| Return on assets (ROA) | 1.6132% | 699 |
| Pretax return on assets | 1.8172% | 775 |
| Return on Equity (ROE) | 13.9568% | 943 |
| Retained earnings to average equity (ytd only) | -9.7876% | 6,787 |
| Net charge-offs to loans | 0.7283% | 2,538 |
| Credit loss provision to net charge-offs | 85.2982% | 5,616 |
| Earnings coverage of net charge-offs (x) | 5.1637% | 2,907 |
| Efficiency ratio | 56.5130% | 6,936 |
| Assets per employee ($millions) | 2.9765% | 6,227 |
| Cash dividends to net income (ytd only)* | 170.1275% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2871% | 4,584 |
| Loan loss allowance to noncurrent loans | 124.1825% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 1.1190% | 4,842 |
| Noncurrent loans to loans | 1.0365% | 5,239 |
| Net loans and leases to total assets | 49.5010% | 6,820 |
| Net loans and leases to deposits | 60.1584% | 6,821 |
| Net loans and leases to core deposits | 82.8788% | 6,128 |
| Total domestic deposits to total assets | 82.2844% | 4,549 |
| Equity capital to assets | 12.1196% | 2,176 |
| Core capital (leverage) ratio | 11.2334% | 2,238 |
| Tier 1 risk-based capital ratio | 18.9897% | 1,750 |
| Total risk-based capital ratio | 20.0635% | 1,753 |
| Memoranda: | ||
| Average total assets | $259,512,250 | 2,533 |
| Average earning assets | $240,882,750 | 2,508 |
| Average equity | $29,996,500 | 2,255 |
| Average total loans | $131,999,000 | 3,262 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7640% | 3,225 |
| Cost of funding earning assets | 1.6076% | 5,715 |
| Net interest margin | 4.1563% | 2,139 |
| Noninterest income to average assets | 0.6856% | 3,082 |
| Noninterest expense to average assets | 2.6972% | 5,394 |
| Loan and lease loss provision to assets | 0.2912% | 4,247 |
| Net operating income to assets | 1.3282% | 1,164 |
| Return on assets (ROA) | 1.4139% | 1,063 |
| Pretax return on assets | 1.6631% | 1,084 |
| Return on Equity (ROE) | 12.4268% | 1,303 |
| Retained earnings to average equity (ytd only) | -19.7553% | 7,446 |
| Net charge-offs to loans | 0.7329% | 2,217 |
| Credit loss provision to net charge-offs | 77.7551% | 5,260 |
| Earnings coverage of net charge-offs (x) | 4.9490% | 2,947 |
| Efficiency ratio | 56.5502% | 7,049 |
| Assets per employee ($millions) | 3.0492% | 6,004 |
| Cash dividends to net income (ytd only)* | 258.9730% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 4,698 |
| Loan loss allowance to noncurrent loans | 85.9177% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.8747% | 5,241 |
| Noncurrent loans to loans | 1.4385% | 4,342 |
| Net loans and leases to total assets | 50.2242% | 6,851 |
| Net loans and leases to deposits | 60.1801% | 6,875 |
| Net loans and leases to core deposits | 82.6814% | 6,185 |
| Total domestic deposits to total assets | 83.4564% | 4,037 |
| Equity capital to assets | 11.0880% | 2,842 |
| Core capital (leverage) ratio | 10.7602% | 2,598 |
| Tier 1 risk-based capital ratio | 17.9813% | 2,032 |
| Total risk-based capital ratio | 19.0227% | 2,025 |
| Memoranda: | ||
| Average total assets | $261,682,000 | 2,523 |
| Average earning assets | $243,338,670 | 2,494 |
| Average equity | $29,774,330 | 2,281 |
| Average total loans | $133,708,000 | 3,276 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7849% | 3,380 |
| Cost of funding earning assets | 1.6872% | 5,651 |
| Net interest margin | 4.0976% | 2,282 |
| Noninterest income to average assets | 0.6709% | 3,064 |
| Noninterest expense to average assets | 2.6638% | 5,167 |
| Loan and lease loss provision to assets | 0.2541% | 3,934 |
| Net operating income to assets | 1.1893% | 1,690 |
| Return on assets (ROA) | 1.1836% | 1,810 |
| Pretax return on assets | 1.5730% | 1,474 |
| Return on Equity (ROE) | 10.2732% | 2,206 |
| Retained earnings to average equity (ytd only) | -42.9149% | 7,997 |
| Net charge-offs to loans | 0.6060% | 1,964 |
| Credit loss provision to net charge-offs | 81.8627% | 4,164 |
| Earnings coverage of net charge-offs (x) | 5.9118% | 2,584 |
| Efficiency ratio | 55.4616% | 7,038 |
| Assets per employee ($millions) | 3.0031% | 6,143 |
| Cash dividends to net income (ytd only)* | 517.7378% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2718% | 4,261 |
| Loan loss allowance to noncurrent loans | 414.1119% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 7,049 |
| Noncurrent loans to loans | 0.3071% | 6,668 |
| Net loans and leases to total assets | 49.4332% | 6,906 |
| Net loans and leases to deposits | 58.8623% | 6,985 |
| Net loans and leases to core deposits | 83.3011% | 6,120 |
| Total domestic deposits to total assets | 83.9810% | 3,709 |
| Equity capital to assets | 10.8779% | 3,097 |
| Core capital (leverage) ratio | 10.5638% | 2,852 |
| Tier 1 risk-based capital ratio | 17.0724% | 2,312 |
| Total risk-based capital ratio | 18.1186% | 2,314 |
| Memoranda: | ||
| Average total assets | $262,932,000 | 2,525 |
| Average earning assets | $245,607,000 | 2,491 |
| Average equity | $30,292,500 | 2,244 |
| Average total loans | $134,661,500 | 3,278 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3896% | 3,470 |
| Cost of funding earning assets | 2.2632% | 5,319 |
| Net interest margin | 4.1264% | 2,594 |
| Noninterest income to average assets | 0.7267% | 2,932 |
| Noninterest expense to average assets | 2.5369% | 5,867 |
| Loan and lease loss provision to assets | 0.3125% | 3,872 |
| Net operating income to assets | 1.2135% | 1,733 |
| Return on assets (ROA) | 1.2170% | 1,667 |
| Pretax return on assets | 1.7244% | 1,092 |
| Return on Equity (ROE) | 10.3958% | 2,127 |
| Retained earnings to average equity (ytd only) | 7.5219% | 980 |
| Net charge-offs to loans | 0.3830% | 2,912 |
| Credit loss provision to net charge-offs | 155.3846% | 3,361 |
| Earnings coverage of net charge-offs (x) | 10.1038% | 2,574 |
| Efficiency ratio | 52.1161% | 7,475 |
| Assets per employee ($millions) | 2.9385% | 6,200 |
| Cash dividends to net income (ytd only)* | 27.6454% | 4,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2834% | 3,903 |
| Loan loss allowance to noncurrent loans | 2,173.7500% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 7,353 |
| Noncurrent loans to loans | 0.0590% | 7,270 |
| Net loans and leases to total assets | 51.7267% | 6,869 |
| Net loans and leases to deposits | 59.9951% | 7,087 |
| Net loans and leases to core deposits | 84.6812% | 6,235 |
| Total domestic deposits to total assets | 86.2182% | 2,304 |
| Equity capital to assets | 12.1858% | 2,165 |
| Core capital (leverage) ratio | 12.0845% | 1,923 |
| Tier 1 risk-based capital ratio | 19.3717% | 1,738 |
| Total risk-based capital ratio | 20.4613% | 1,720 |
| Memoranda: | ||
| Average total assets | $258,582,000 | 2,475 |
| Average earning assets | $240,765,800 | 2,447 |
| Average equity | $30,271,800 | 2,240 |
| Average total loans | $135,758,000 | 3,164 |