Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2684% | 3,487 |
| Cost of funding earning assets | 1.1500% | 2,937 |
| Net interest margin | 3.1184% | 3,059 |
| Noninterest income to average assets | 0.7700% | 1,018 |
| Noninterest expense to average assets | 2.4649% | 2,401 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9955% | 2,234 |
| Return on assets (ROA) | 0.9955% | 2,216 |
| Pretax return on assets | 1.2546% | 1,996 |
| Return on Equity (ROE) | 13.0700% | 1,711 |
| Retained earnings to average equity (ytd only) | 7.5320% | 1,690 |
| Net charge-offs to loans | 0.1235% | 792 |
| Credit loss provision to net charge-offs | 6.1372% | 2,344 |
| Earnings coverage of net charge-offs (x) | 16.2455% | 2,018 |
| Efficiency ratio | 66.1845% | 2,335 |
| Assets per employee ($millions) | 6.0062% | 2,822 |
| Cash dividends to net income (ytd only)* | 42.3812% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2275% | 2,129 |
| Loan loss allowance to noncurrent loans | 126.9239% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.6467% | 831 |
| Noncurrent loans to loans | 0.9671% | 764 |
| Net loans and leases to total assets | 65.0000% | 2,367 |
| Net loans and leases to deposits | 75.6229% | 2,489 |
| Net loans and leases to core deposits | 87.0777% | 2,239 |
| Total domestic deposits to total assets | 85.9500% | 2,036 |
| Equity capital to assets | 8.2112% | 3,271 |
| Core capital (leverage) ratio | 9.9725% | 2,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $714,639,400 | 1,284 |
| Average earning assets | $676,372,200 | 1,269 |
| Average equity | $54,421,000 | 1,503 |
| Average total loans | $448,634,600 | 1,350 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1726% | 3,519 |
| Cost of funding earning assets | 1.0749% | 2,814 |
| Net interest margin | 3.0978% | 3,145 |
| Noninterest income to average assets | 0.7400% | 1,065 |
| Noninterest expense to average assets | 2.4500% | 2,372 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.9674% | 2,459 |
| Return on assets (ROA) | 0.9674% | 2,453 |
| Pretax return on assets | 1.2235% | 2,240 |
| Return on Equity (ROE) | 12.9600% | 1,904 |
| Retained earnings to average equity (ytd only) | 9.9539% | 1,420 |
| Net charge-offs to loans | 0.0063% | 2,211 |
| Credit loss provision to net charge-offs | 161.9048% | 1,266 |
| Earnings coverage of net charge-offs (x) | 313.2381% | 440 |
| Efficiency ratio | 66.5786% | 2,210 |
| Assets per employee ($millions) | 6.0754% | 2,682 |
| Cash dividends to net income (ytd only)* | 23.1929% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4236% | 1,358 |
| Loan loss allowance to noncurrent loans | 183.8831% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 1,149 |
| Noncurrent loans to loans | 0.7742% | 1,073 |
| Net loans and leases to total assets | 62.9800% | 2,561 |
| Net loans and leases to deposits | 73.1326% | 2,638 |
| Net loans and leases to core deposits | 82.3009% | 2,448 |
| Total domestic deposits to total assets | 86.1200% | 2,151 |
| Equity capital to assets | 7.8955% | 3,123 |
| Core capital (leverage) ratio | 10.0864% | 2,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $713,114,750 | 1,283 |
| Average earning assets | $676,036,750 | 1,263 |
| Average equity | $53,231,000 | 1,524 |
| Average total loans | $442,219,750 | 1,360 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1090% | 3,474 |
| Cost of funding earning assets | 0.9963% | 2,612 |
| Net interest margin | 3.1127% | 3,191 |
| Noninterest income to average assets | 0.7300% | 1,027 |
| Noninterest expense to average assets | 2.4156% | 2,434 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.9923% | 2,442 |
| Return on assets (ROA) | 0.9923% | 2,431 |
| Pretax return on assets | 1.2544% | 2,212 |
| Return on Equity (ROE) | 13.5500% | 1,782 |
| Retained earnings to average equity (ytd only) | 8.9832% | 1,690 |
| Net charge-offs to loans | 0.0014% | 2,354 |
| Credit loss provision to net charge-offs | 1,133.3333% | 377 |
| Earnings coverage of net charge-offs (x) | 1,512.3333% | 93 |
| Efficiency ratio | 65.6496% | 2,293 |
| Assets per employee ($millions) | 6.1920% | 2,548 |
| Cash dividends to net income (ytd only)* | 33.6889% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4251% | 1,431 |
| Loan loss allowance to noncurrent loans | 238.7786% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.3852% | 1,378 |
| Noncurrent loans to loans | 0.5968% | 1,250 |
| Net loans and leases to total assets | 61.9000% | 2,582 |
| Net loans and leases to deposits | 69.6942% | 2,807 |
| Net loans and leases to core deposits | 79.1483% | 2,531 |
| Total domestic deposits to total assets | 88.8200% | 1,312 |
| Equity capital to assets | 7.5720% | 3,485 |
| Core capital (leverage) ratio | 9.6940% | 3,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $717,930,667 | 1,270 |
| Average earning assets | $680,307,333 | 1,255 |
| Average equity | $52,587,000 | 1,532 |
| Average total loans | $440,826,333 | 1,343 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9800% | 3,489 |
| Cost of funding earning assets | 0.9021% | 2,363 |
| Net interest margin | 3.0779% | 3,400 |
| Noninterest income to average assets | 0.7100% | 1,070 |
| Noninterest expense to average assets | 2.3450% | 2,689 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.9949% | 2,544 |
| Return on assets (ROA) | 0.9949% | 2,513 |
| Pretax return on assets | 1.2591% | 2,279 |
| Return on Equity (ROE) | 13.8100% | 1,814 |
| Retained earnings to average equity (ytd only) | 13.8133% | 966 |
| Net charge-offs to loans | -0.0165% | 4,044 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.7365% | 2,365 |
| Assets per employee ($millions) | 6.5216% | 2,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4420% | 1,456 |
| Loan loss allowance to noncurrent loans | 233.4064% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.3750% | 1,375 |
| Noncurrent loans to loans | 0.6178% | 1,211 |
| Net loans and leases to total assets | 59.8200% | 2,674 |
| Net loans and leases to deposits | 65.0030% | 3,012 |
| Net loans and leases to core deposits | 73.9497% | 2,679 |
| Total domestic deposits to total assets | 92.0300% | 508 |
| Equity capital to assets | 7.2609% | 3,698 |
| Core capital (leverage) ratio | 9.6222% | 3,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $720,854,500 | 1,283 |
| Average earning assets | $682,415,500 | 1,269 |
| Average equity | $51,921,000 | 1,568 |
| Average total loans | $437,646,000 | 1,358 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5729% | 2,876 |
| Cost of funding earning assets | 0.2730% | 3,121 |
| Net interest margin | 3.3000% | 2,563 |
| Noninterest income to average assets | 0.7600% | 1,100 |
| Noninterest expense to average assets | 2.4022% | 2,418 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.1780% | 1,866 |
| Return on assets (ROA) | 1.1780% | 1,799 |
| Pretax return on assets | 1.4784% | 1,520 |
| Return on Equity (ROE) | 14.8800% | 1,284 |
| Retained earnings to average equity (ytd only) | 9.3278% | 1,381 |
| Net charge-offs to loans | 0.1053% | 708 |
| Credit loss provision to net charge-offs | 31.0843% | 1,889 |
| Earnings coverage of net charge-offs (x) | 24.7518% | 1,785 |
| Efficiency ratio | 61.6043% | 2,820 |
| Assets per employee ($millions) | 6.2394% | 2,562 |
| Cash dividends to net income (ytd only)* | 37.3051% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1209% | 2,784 |
| Loan loss allowance to noncurrent loans | 180.2010% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.3778% | 1,355 |
| Noncurrent loans to loans | 0.6220% | 1,195 |
| Net loans and leases to total assets | 60.0500% | 2,625 |
| Net loans and leases to deposits | 65.2472% | 2,937 |
| Net loans and leases to core deposits | 71.9862% | 2,728 |
| Total domestic deposits to total assets | 92.0300% | 632 |
| Equity capital to assets | 7.1430% | 3,588 |
| Core capital (leverage) ratio | 9.6364% | 3,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $686,065,400 | 1,327 |
| Average earning assets | $652,068,200 | 1,301 |
| Average equity | $54,321,400 | 1,514 |
| Average total loans | $394,186,200 | 1,414 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4739% | 2,698 |
| Cost of funding earning assets | 0.1634% | 3,701 |
| Net interest margin | 3.3105% | 2,262 |
| Noninterest income to average assets | 0.7500% | 1,155 |
| Noninterest expense to average assets | 2.3790% | 2,401 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.1939% | 1,715 |
| Return on assets (ROA) | 1.1939% | 1,690 |
| Pretax return on assets | 1.5025% | 1,400 |
| Return on Equity (ROE) | 14.7000% | 1,239 |
| Retained earnings to average equity (ytd only) | 11.8041% | 840 |
| Net charge-offs to loans | 0.0253% | 1,315 |
| Credit loss provision to net charge-offs | 147.9452% | 1,134 |
| Earnings coverage of net charge-offs (x) | 106.4110% | 922 |
| Efficiency ratio | 60.9589% | 2,983 |
| Assets per employee ($millions) | 6.1135% | 2,663 |
| Cash dividends to net income (ytd only)* | 19.7141% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2361% | 2,345 |
| Loan loss allowance to noncurrent loans | 167.8479% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.4414% | 1,225 |
| Noncurrent loans to loans | 0.7365% | 1,101 |
| Net loans and leases to total assets | 59.1900% | 2,584 |
| Net loans and leases to deposits | 64.3333% | 2,842 |
| Net loans and leases to core deposits | 71.4562% | 2,532 |
| Total domestic deposits to total assets | 92.0000% | 874 |
| Equity capital to assets | 7.2142% | 3,398 |
| Core capital (leverage) ratio | 9.8674% | 2,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $679,760,250 | 1,342 |
| Average earning assets | $647,705,500 | 1,316 |
| Average equity | $55,200,000 | 1,509 |
| Average total loans | $384,742,250 | 1,438 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3901% | 2,468 |
| Cost of funding earning assets | 0.1092% | 4,090 |
| Net interest margin | 3.2809% | 1,964 |
| Noninterest income to average assets | 0.7569% | 1,157 |
| Noninterest expense to average assets | 2.3557% | 2,386 |
| Loan and lease loss provision to assets | 0.0258% | 2,137 |
| Net operating income to assets | 1.1982% | 1,434 |
| Return on assets (ROA) | 1.1982% | 1,416 |
| Pretax return on assets | 1.5053% | 1,151 |
| Return on Equity (ROE) | 14.2081% | 1,062 |
| Retained earnings to average equity (ytd only) | 9.9858% | 1,028 |
| Net charge-offs to loans | 0.0209% | 1,316 |
| Credit loss provision to net charge-offs | 223.0769% | 921 |
| Earnings coverage of net charge-offs (x) | 132.3077% | 700 |
| Efficiency ratio | 60.6077% | 3,225 |
| Assets per employee ($millions) | 5.8680% | 2,855 |
| Cash dividends to net income (ytd only)* | 29.7177% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3317% | 2,042 |
| Loan loss allowance to noncurrent loans | 177.1996% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.4291% | 1,326 |
| Noncurrent loans to loans | 0.7515% | 1,143 |
| Net loans and leases to total assets | 56.3409% | 2,719 |
| Net loans and leases to deposits | 61.3989% | 2,937 |
| Net loans and leases to core deposits | 63.1817% | 3,025 |
| Total domestic deposits to total assets | 91.7620% | 940 |
| Equity capital to assets | 7.5413% | 3,444 |
| Core capital (leverage) ratio | 9.6124% | 2,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $674,035,333 | 1,356 |
| Average earning assets | $642,986,000 | 1,335 |
| Average equity | $56,840,667 | 1,506 |
| Average total loans | $373,763,667 | 1,461 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3100% | 2,360 |
| Cost of funding earning assets | 0.0943% | 4,208 |
| Net interest margin | 3.2157% | 1,831 |
| Noninterest income to average assets | 0.7520% | 1,167 |
| Noninterest expense to average assets | 2.3134% | 2,450 |
| Loan and lease loss provision to assets | 0.0394% | 1,647 |
| Net operating income to assets | 1.1767% | 1,311 |
| Return on assets (ROA) | 1.1767% | 1,309 |
| Pretax return on assets | 1.4713% | 1,073 |
| Return on Equity (ROE) | 13.2428% | 992 |
| Retained earnings to average equity (ytd only) | 13.2428% | 447 |
| Net charge-offs to loans | 0.0240% | 1,079 |
| Credit loss provision to net charge-offs | 300.0000% | 662 |
| Earnings coverage of net charge-offs (x) | 115.1364% | 624 |
| Efficiency ratio | 60.4959% | 3,436 |
| Assets per employee ($millions) | 6.2289% | 2,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 1,912 |
| Loan loss allowance to noncurrent loans | 135.3572% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.5577% | 1,081 |
| Noncurrent loans to loans | 1.0328% | 875 |
| Net loans and leases to total assets | 53.2403% | 2,853 |
| Net loans and leases to deposits | 58.6124% | 3,023 |
| Net loans and leases to core deposits | 60.7234% | 3,086 |
| Total domestic deposits to total assets | 90.8346% | 1,114 |
| Equity capital to assets | 8.5152% | 3,148 |
| Core capital (leverage) ratio | 9.4843% | 2,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $670,708,500 | 1,366 |
| Average earning assets | $640,722,500 | 1,344 |
| Average equity | $59,594,500 | 1,497 |
| Average total loans | $366,304,500 | 1,474 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4759% | 2,731 |
| Cost of funding earning assets | 0.1275% | 4,170 |
| Net interest margin | 3.3484% | 2,173 |
| Noninterest income to average assets | 0.8145% | 1,414 |
| Noninterest expense to average assets | 2.4620% | 2,300 |
| Loan and lease loss provision to assets | 0.0219% | 2,635 |
| Net operating income to assets | 1.2187% | 1,864 |
| Return on assets (ROA) | 1.2187% | 1,909 |
| Pretax return on assets | 1.5289% | 1,624 |
| Return on Equity (ROE) | 12.4276% | 1,680 |
| Retained earnings to average equity (ytd only) | 7.7730% | 1,628 |
| Net charge-offs to loans | -0.0062% | 3,603 |
| Credit loss provision to net charge-offs | -642.8571% | 3,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3545% | 2,957 |
| Assets per employee ($millions) | 6.0205% | 2,753 |
| Cash dividends to net income (ytd only)* | 37.4534% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4141% | 1,873 |
| Loan loss allowance to noncurrent loans | 100.8655% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 0.7747% | 789 |
| Noncurrent loans to loans | 1.4019% | 665 |
| Net loans and leases to total assets | 54.4798% | 2,793 |
| Net loans and leases to deposits | 60.5505% | 3,030 |
| Net loans and leases to core deposits | 62.6930% | 3,101 |
| Total domestic deposits to total assets | 89.9742% | 973 |
| Equity capital to assets | 9.2718% | 3,349 |
| Core capital (leverage) ratio | 9.6141% | 2,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $616,722,000 | 1,418 |
| Average earning assets | $589,082,000 | 1,397 |
| Average equity | $60,478,200 | 1,506 |
| Average total loans | $337,409,000 | 1,562 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5048% | 2,827 |
| Cost of funding earning assets | 0.1360% | 4,221 |
| Net interest margin | 3.3689% | 2,241 |
| Noninterest income to average assets | 0.7881% | 1,562 |
| Noninterest expense to average assets | 2.4869% | 2,161 |
| Loan and lease loss provision to assets | 0.0269% | 2,461 |
| Net operating income to assets | 1.1864% | 2,214 |
| Return on assets (ROA) | 1.1864% | 2,269 |
| Pretax return on assets | 1.4921% | 2,015 |
| Return on Equity (ROE) | 11.9229% | 2,076 |
| Retained earnings to average equity (ytd only) | 9.4942% | 1,491 |
| Net charge-offs to loans | -0.0173% | 3,910 |
| Credit loss provision to net charge-offs | -283.7209% | 3,479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0832% | 2,686 |
| Assets per employee ($millions) | 5.7359% | 2,950 |
| Cash dividends to net income (ytd only)* | 20.3704% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4985% | 1,641 |
| Loan loss allowance to noncurrent loans | 99.0361% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 0.8147% | 873 |
| Noncurrent loans to loans | 1.5131% | 690 |
| Net loans and leases to total assets | 53.0350% | 3,079 |
| Net loans and leases to deposits | 59.3278% | 3,290 |
| Net loans and leases to core deposits | 61.7836% | 3,340 |
| Total domestic deposits to total assets | 89.3933% | 1,076 |
| Equity capital to assets | 9.8143% | 3,088 |
| Core capital (leverage) ratio | 9.9480% | 2,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $606,842,750 | 1,448 |
| Average earning assets | $579,605,000 | 1,431 |
| Average equity | $60,386,500 | 1,533 |
| Average total loans | $331,099,750 | 1,617 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5254% | 2,825 |
| Cost of funding earning assets | 0.1496% | 4,209 |
| Net interest margin | 3.3757% | 2,214 |
| Noninterest income to average assets | 0.7874% | 1,571 |
| Noninterest expense to average assets | 2.4818% | 2,204 |
| Loan and lease loss provision to assets | 0.0362% | 2,269 |
| Net operating income to assets | 1.1878% | 2,236 |
| Return on assets (ROA) | 1.1878% | 2,301 |
| Pretax return on assets | 1.4894% | 2,049 |
| Return on Equity (ROE) | 11.8787% | 2,114 |
| Retained earnings to average equity (ytd only) | 8.1928% | 2,006 |
| Net charge-offs to loans | -0.0226% | 4,039 |
| Credit loss provision to net charge-offs | -291.8919% | 3,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9314% | 2,737 |
| Assets per employee ($millions) | 5.6449% | 2,967 |
| Cash dividends to net income (ytd only)* | 31.0296% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5093% | 1,561 |
| Loan loss allowance to noncurrent loans | 97.8020% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 0.8426% | 928 |
| Noncurrent loans to loans | 1.5432% | 730 |
| Net loans and leases to total assets | 53.7755% | 3,158 |
| Net loans and leases to deposits | 60.0674% | 3,385 |
| Net loans and leases to core deposits | 62.5678% | 3,413 |
| Total domestic deposits to total assets | 89.5253% | 1,016 |
| Equity capital to assets | 9.7170% | 3,125 |
| Core capital (leverage) ratio | 9.8177% | 2,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $596,896,667 | 1,466 |
| Average earning assets | $569,361,000 | 1,445 |
| Average equity | $59,686,667 | 1,534 |
| Average total loans | $327,199,333 | 1,634 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5161% | 2,872 |
| Cost of funding earning assets | 0.1565% | 4,259 |
| Net interest margin | 3.3596% | 2,220 |
| Noninterest income to average assets | 0.7366% | 1,757 |
| Noninterest expense to average assets | 2.4224% | 2,426 |
| Loan and lease loss provision to assets | 0.0650% | 1,839 |
| Net operating income to assets | 1.1517% | 2,329 |
| Return on assets (ROA) | 1.1517% | 2,396 |
| Pretax return on assets | 1.4492% | 2,140 |
| Return on Equity (ROE) | 11.3474% | 2,250 |
| Retained earnings to average equity (ytd only) | 11.3474% | 1,311 |
| Net charge-offs to loans | -0.0199% | 3,996 |
| Credit loss provision to net charge-offs | -593.7500% | 3,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5358% | 2,832 |
| Assets per employee ($millions) | 5.6621% | 2,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5802% | 1,345 |
| Loan loss allowance to noncurrent loans | 98.0706% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 0.8555% | 1,038 |
| Noncurrent loans to loans | 1.6112% | 757 |
| Net loans and leases to total assets | 52.2567% | 3,423 |
| Net loans and leases to deposits | 58.4252% | 3,605 |
| Net loans and leases to core deposits | 60.7999% | 3,654 |
| Total domestic deposits to total assets | 89.4420% | 1,097 |
| Equity capital to assets | 9.8639% | 2,834 |
| Core capital (leverage) ratio | 10.2750% | 2,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $584,873,500 | 1,481 |
| Average earning assets | $557,089,000 | 1,453 |
| Average equity | $59,361,500 | 1,530 |
| Average total loans | $321,283,000 | 1,663 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0150% | 2,683 |
| Cost of funding earning assets | 0.2773% | 4,258 |
| Net interest margin | 3.7377% | 1,680 |
| Noninterest income to average assets | 0.8393% | 1,420 |
| Noninterest expense to average assets | 2.6621% | 2,350 |
| Loan and lease loss provision to assets | 0.1495% | 2,503 |
| Net operating income to assets | 1.2318% | 1,440 |
| Return on assets (ROA) | 1.2318% | 1,550 |
| Pretax return on assets | 1.5603% | 1,166 |
| Return on Equity (ROE) | 11.0910% | 1,598 |
| Retained earnings to average equity (ytd only) | 6.1756% | 1,720 |
| Net charge-offs to loans | -0.0032% | 4,044 |
| Credit loss provision to net charge-offs | -7,700.0000% | 4,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8908% | 3,334 |
| Assets per employee ($millions) | 5.3198% | 3,026 |
| Cash dividends to net income (ytd only)* | 44.3184% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5494% | 1,431 |
| Loan loss allowance to noncurrent loans | 95.1215% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 0.9269% | 1,052 |
| Noncurrent loans to loans | 1.6289% | 809 |
| Net loans and leases to total assets | 56.0233% | 3,299 |
| Net loans and leases to deposits | 63.1449% | 3,508 |
| Net loans and leases to core deposits | 65.9115% | 3,550 |
| Total domestic deposits to total assets | 88.7218% | 1,112 |
| Equity capital to assets | 10.4562% | 2,710 |
| Core capital (leverage) ratio | 10.6717% | 2,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $515,080,200 | 1,502 |
| Average earning assets | $486,825,800 | 1,482 |
| Average equity | $57,208,600 | 1,496 |
| Average total loans | $312,376,400 | 1,642 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1180% | 2,630 |
| Cost of funding earning assets | 0.3075% | 4,280 |
| Net interest margin | 3.8105% | 1,592 |
| Noninterest income to average assets | 0.8055% | 1,478 |
| Noninterest expense to average assets | 2.7545% | 2,104 |
| Loan and lease loss provision to assets | 0.1963% | 2,013 |
| Net operating income to assets | 1.1555% | 1,802 |
| Return on assets (ROA) | 1.1555% | 1,919 |
| Pretax return on assets | 1.4529% | 1,569 |
| Return on Equity (ROE) | 10.2352% | 1,942 |
| Retained earnings to average equity (ytd only) | 7.6517% | 1,439 |
| Net charge-offs to loans | -0.0112% | 4,249 |
| Credit loss provision to net charge-offs | -2,846.1538% | 4,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5504% | 2,985 |
| Assets per employee ($millions) | 5.1238% | 3,091 |
| Cash dividends to net income (ytd only)* | 25.2409% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5535% | 1,222 |
| Loan loss allowance to noncurrent loans | 101.6192% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 0.9156% | 1,250 |
| Noncurrent loans to loans | 1.5287% | 929 |
| Net loans and leases to total assets | 58.9621% | 3,329 |
| Net loans and leases to deposits | 66.9550% | 3,551 |
| Net loans and leases to core deposits | 70.1056% | 3,619 |
| Total domestic deposits to total assets | 88.0622% | 1,196 |
| Equity capital to assets | 11.0284% | 2,375 |
| Core capital (leverage) ratio | 10.8642% | 1,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $502,874,500 | 1,520 |
| Average earning assets | $474,847,000 | 1,500 |
| Average equity | $56,770,000 | 1,497 |
| Average total loans | $310,248,250 | 1,643 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3050% | 2,460 |
| Cost of funding earning assets | 0.3491% | 4,271 |
| Net interest margin | 3.9560% | 1,430 |
| Noninterest income to average assets | 0.8120% | 1,400 |
| Noninterest expense to average assets | 2.7772% | 2,143 |
| Loan and lease loss provision to assets | 0.2698% | 1,587 |
| Net operating income to assets | 1.1841% | 1,688 |
| Return on assets (ROA) | 1.1841% | 1,818 |
| Pretax return on assets | 1.4945% | 1,468 |
| Return on Equity (ROE) | 10.4021% | 1,849 |
| Retained earnings to average equity (ytd only) | 6.4808% | 1,872 |
| Net charge-offs to loans | -0.0332% | 4,575 |
| Credit loss provision to net charge-offs | -1,303.9216% | 3,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1508% | 3,256 |
| Assets per employee ($millions) | 5.0548% | 3,108 |
| Cash dividends to net income (ytd only)* | 37.6971% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5335% | 1,165 |
| Loan loss allowance to noncurrent loans | 91.3456% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 1.0221% | 1,167 |
| Noncurrent loans to loans | 1.6788% | 862 |
| Net loans and leases to total assets | 59.9459% | 3,337 |
| Net loans and leases to deposits | 67.9080% | 3,576 |
| Net loans and leases to core deposits | 71.1281% | 3,637 |
| Total domestic deposits to total assets | 88.2751% | 1,050 |
| Equity capital to assets | 10.8716% | 2,447 |
| Core capital (leverage) ratio | 10.9445% | 2,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $492,872,667 | 1,519 |
| Average earning assets | $464,666,667 | 1,496 |
| Average equity | $56,104,000 | 1,500 |
| Average total loans | $307,279,333 | 1,636 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3471% | 2,781 |
| Cost of funding earning assets | 0.4143% | 4,311 |
| Net interest margin | 3.9328% | 1,569 |
| Noninterest income to average assets | 0.8907% | 1,087 |
| Noninterest expense to average assets | 2.8519% | 2,272 |
| Loan and lease loss provision to assets | 0.1511% | 1,884 |
| Net operating income to assets | 1.2585% | 1,357 |
| Return on assets (ROA) | 1.2585% | 1,458 |
| Pretax return on assets | 1.5859% | 1,095 |
| Return on Equity (ROE) | 10.7881% | 1,475 |
| Retained earnings to average equity (ytd only) | 10.7881% | 600 |
| Net charge-offs to loans | -0.0824% | 4,778 |
| Credit loss provision to net charge-offs | -290.3226% | 3,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1478% | 3,483 |
| Assets per employee ($millions) | 4.6725% | 3,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4828% | 1,393 |
| Loan loss allowance to noncurrent loans | 82.1872% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 1.1102% | 1,172 |
| Noncurrent loans to loans | 1.8042% | 834 |
| Net loans and leases to total assets | 60.6228% | 3,433 |
| Net loans and leases to deposits | 69.2106% | 3,649 |
| Net loans and leases to core deposits | 72.8779% | 3,706 |
| Total domestic deposits to total assets | 87.5919% | 1,278 |
| Equity capital to assets | 11.6980% | 2,290 |
| Core capital (leverage) ratio | 11.6968% | 1,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9137% | 652 |
| Memoranda: | ||
| Average total assets | $476,458,500 | 1,516 |
| Average earning assets | $448,024,500 | 1,498 |
| Average equity | $55,580,000 | 1,509 |
| Average total loans | $300,897,000 | 1,644 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4185% | 3,195 |
| Cost of funding earning assets | 0.5536% | 3,853 |
| Net interest margin | 3.8649% | 2,290 |
| Noninterest income to average assets | 0.9715% | 1,032 |
| Noninterest expense to average assets | 2.7912% | 2,631 |
| Loan and lease loss provision to assets | 0.3628% | 414 |
| Net operating income to assets | 1.1567% | 2,227 |
| Return on assets (ROA) | 1.1567% | 2,323 |
| Pretax return on assets | 1.4461% | 1,994 |
| Return on Equity (ROE) | 10.4606% | 2,102 |
| Retained earnings to average equity (ytd only) | 5.4490% | 2,191 |
| Net charge-offs to loans | 0.2709% | 768 |
| Credit loss provision to net charge-offs | 212.9514% | 1,242 |
| Earnings coverage of net charge-offs (x) | 10.6177% | 2,556 |
| Efficiency ratio | 60.6771% | 3,589 |
| Assets per employee ($millions) | 4.6698% | 2,988 |
| Cash dividends to net income (ytd only)* | 47.9090% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 1,574 |
| Loan loss allowance to noncurrent loans | 79.0645% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 1.1386% | 1,052 |
| Noncurrent loans to loans | 1.7512% | 779 |
| Net loans and leases to total assets | 63.9383% | 3,209 |
| Net loans and leases to deposits | 72.9952% | 3,439 |
| Net loans and leases to core deposits | 77.1539% | 3,504 |
| Total domestic deposits to total assets | 87.5926% | 1,321 |
| Equity capital to assets | 11.6312% | 2,397 |
| Core capital (leverage) ratio | 11.7640% | 1,913 |
| Tier 1 risk-based capital ratio | 19.7500% | 1,359 |
| Total risk-based capital ratio | 21.0031% | 1,334 |
| Memoranda: | ||
| Average total assets | $471,344,200 | 1,490 |
| Average earning assets | $442,523,400 | 1,476 |
| Average equity | $52,119,600 | 1,539 |
| Average total loans | $296,419,800 | 1,621 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4202% | 3,285 |
| Cost of funding earning assets | 0.5886% | 3,747 |
| Net interest margin | 3.8316% | 2,497 |
| Noninterest income to average assets | 0.9556% | 1,032 |
| Noninterest expense to average assets | 2.7686% | 2,655 |
| Loan and lease loss provision to assets | 0.4572% | 272 |
| Net operating income to assets | 1.0662% | 2,710 |
| Return on assets (ROA) | 1.0662% | 2,796 |
| Pretax return on assets | 1.3290% | 2,568 |
| Return on Equity (ROE) | 9.7676% | 2,528 |
| Retained earnings to average equity (ytd only) | 6.9237% | 1,899 |
| Net charge-offs to loans | 0.3500% | 486 |
| Credit loss provision to net charge-offs | 209.3023% | 1,261 |
| Earnings coverage of net charge-offs (x) | 8.1770% | 2,681 |
| Efficiency ratio | 60.7844% | 3,507 |
| Assets per employee ($millions) | 4.6032% | 3,048 |
| Cash dividends to net income (ytd only)* | 29.1159% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 1,631 |
| Loan loss allowance to noncurrent loans | 129.7832% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.6915% | 1,966 |
| Noncurrent loans to loans | 1.0677% | 1,495 |
| Net loans and leases to total assets | 63.8651% | 3,298 |
| Net loans and leases to deposits | 73.0405% | 3,550 |
| Net loans and leases to core deposits | 77.8049% | 3,567 |
| Total domestic deposits to total assets | 87.4380% | 1,287 |
| Equity capital to assets | 11.7569% | 2,448 |
| Core capital (leverage) ratio | 11.6840% | 2,092 |
| Tier 1 risk-based capital ratio | 19.8216% | 1,394 |
| Total risk-based capital ratio | 21.0754% | 1,356 |
| Memoranda: | ||
| Average total assets | $472,435,750 | 1,501 |
| Average earning assets | $443,773,750 | 1,479 |
| Average equity | $51,570,750 | 1,555 |
| Average total loans | $294,832,250 | 1,638 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3784% | 3,390 |
| Cost of funding earning assets | 0.6161% | 3,569 |
| Net interest margin | 3.7623% | 2,710 |
| Noninterest income to average assets | 0.9172% | 1,046 |
| Noninterest expense to average assets | 2.7561% | 2,736 |
| Loan and lease loss provision to assets | 0.6422% | 169 |
| Net operating income to assets | 0.8546% | 3,454 |
| Return on assets (ROA) | 0.8546% | 3,511 |
| Pretax return on assets | 1.0561% | 3,364 |
| Return on Equity (ROE) | 8.0282% | 3,281 |
| Retained earnings to average equity (ytd only) | 3.6908% | 3,414 |
| Net charge-offs to loans | 0.5059% | 309 |
| Credit loss provision to net charge-offs | 205.9219% | 1,179 |
| Earnings coverage of net charge-offs (x) | 5.4455% | 2,655 |
| Efficiency ratio | 61.8734% | 3,453 |
| Assets per employee ($millions) | 4.7746% | 2,775 |
| Cash dividends to net income (ytd only)* | 54.0275% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3659% | 1,759 |
| Loan loss allowance to noncurrent loans | 116.4427% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.7324% | 1,892 |
| Noncurrent loans to loans | 1.1730% | 1,371 |
| Net loans and leases to total assets | 61.5849% | 3,592 |
| Net loans and leases to deposits | 69.6985% | 3,866 |
| Net loans and leases to core deposits | 75.6523% | 3,762 |
| Total domestic deposits to total assets | 88.3590% | 939 |
| Equity capital to assets | 10.9286% | 3,151 |
| Core capital (leverage) ratio | 11.0511% | 2,545 |
| Tier 1 risk-based capital ratio | 19.1181% | 1,528 |
| Total risk-based capital ratio | 20.3716% | 1,485 |
| Memoranda: | ||
| Average total assets | $476,475,330 | 1,495 |
| Average earning assets | $447,968,000 | 1,473 |
| Average equity | $50,721,330 | 1,569 |
| Average total loans | $293,738,670 | 1,643 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4192% | 3,152 |
| Cost of funding earning assets | 0.6547% | 3,300 |
| Net interest margin | 3.7645% | 2,655 |
| Noninterest income to average assets | 0.8908% | 1,060 |
| Noninterest expense to average assets | 2.7135% | 2,869 |
| Loan and lease loss provision to assets | 1.2101% | 69 |
| Net operating income to assets | 0.4118% | 4,706 |
| Return on assets (ROA) | 0.4118% | 4,718 |
| Pretax return on assets | 0.4992% | 4,687 |
| Return on Equity (ROE) | 3.9206% | 4,590 |
| Retained earnings to average equity (ytd only) | 3.9206% | 3,337 |
| Net charge-offs to loans | 0.0370% | 1,743 |
| Credit loss provision to net charge-offs | 5,333.3333% | 72 |
| Earnings coverage of net charge-offs (x) | 75.3333% | 801 |
| Efficiency ratio | 61.3528% | 3,629 |
| Assets per employee ($millions) | 4.7647% | 2,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5863% | 1,090 |
| Loan loss allowance to noncurrent loans | 112.0706% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 0.8711% | 1,624 |
| Noncurrent loans to loans | 1.4154% | 1,145 |
| Net loans and leases to total assets | 60.5665% | 3,654 |
| Net loans and leases to deposits | 68.1549% | 3,915 |
| Net loans and leases to core deposits | 73.8230% | 3,806 |
| Total domestic deposits to total assets | 88.8661% | 927 |
| Equity capital to assets | 10.5093% | 3,335 |
| Core capital (leverage) ratio | 10.6607% | 2,883 |
| Tier 1 risk-based capital ratio | 18.9635% | 1,548 |
| Total risk-based capital ratio | 20.2191% | 1,519 |
| Memoranda: | ||
| Average total assets | $475,982,500 | 1,506 |
| Average earning assets | $446,594,500 | 1,486 |
| Average equity | $49,992,000 | 1,579 |
| Average total loans | $291,550,000 | 1,661 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1295% | 3,651 |
| Cost of funding earning assets | 0.4518% | 3,670 |
| Net interest margin | 3.6777% | 3,128 |
| Noninterest income to average assets | 0.9389% | 1,084 |
| Noninterest expense to average assets | 2.6814% | 3,094 |
| Loan and lease loss provision to assets | 0.1053% | 2,090 |
| Net operating income to assets | 1.3135% | 1,743 |
| Return on assets (ROA) | 1.3135% | 1,731 |
| Pretax return on assets | 1.6261% | 1,390 |
| Return on Equity (ROE) | 13.0145% | 1,347 |
| Retained earnings to average equity (ytd only) | 7.4759% | 1,466 |
| Net charge-offs to loans | 0.1011% | 1,746 |
| Credit loss provision to net charge-offs | 175.7042% | 1,601 |
| Earnings coverage of net charge-offs (x) | 28.9014% | 1,637 |
| Efficiency ratio | 60.7648% | 3,735 |
| Assets per employee ($millions) | 4.7073% | 2,868 |
| Cash dividends to net income (ytd only)* | 42.5566% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 2,859 |
| Loan loss allowance to noncurrent loans | 4,266.2338% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0365% | 4,661 |
| Noncurrent loans to loans | 0.0268% | 4,652 |
| Net loans and leases to total assets | 60.2574% | 3,745 |
| Net loans and leases to deposits | 67.8546% | 3,989 |
| Net loans and leases to core deposits | 73.1265% | 3,918 |
| Total domestic deposits to total assets | 88.8037% | 942 |
| Equity capital to assets | 10.4964% | 3,196 |
| Core capital (leverage) ratio | 10.9420% | 2,580 |
| Tier 1 risk-based capital ratio | 19.3341% | 1,441 |
| Total risk-based capital ratio | 20.5707% | 1,407 |
| Memoranda: | ||
| Average total assets | $474,089,200 | 1,472 |
| Average earning assets | $447,805,400 | 1,456 |
| Average equity | $47,846,800 | 1,574 |
| Average total loans | $280,860,800 | 1,674 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0938% | 3,652 |
| Cost of funding earning assets | 0.4308% | 3,661 |
| Net interest margin | 3.6630% | 3,156 |
| Noninterest income to average assets | 0.9194% | 1,141 |
| Noninterest expense to average assets | 2.6448% | 3,137 |
| Loan and lease loss provision to assets | 0.1050% | 1,915 |
| Net operating income to assets | 1.3167% | 1,791 |
| Return on assets (ROA) | 1.3167% | 1,796 |
| Pretax return on assets | 1.6336% | 1,472 |
| Return on Equity (ROE) | 13.1768% | 1,365 |
| Retained earnings to average equity (ytd only) | 10.0863% | 895 |
| Net charge-offs to loans | 0.1060% | 1,429 |
| Credit loss provision to net charge-offs | 168.4685% | 1,582 |
| Earnings coverage of net charge-offs (x) | 27.8967% | 1,688 |
| Efficiency ratio | 60.3369% | 3,765 |
| Assets per employee ($millions) | 4.7613% | 2,774 |
| Cash dividends to net income (ytd only)* | 23.4541% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1519% | 2,896 |
| Loan loss allowance to noncurrent loans | 7,858.5366% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 4,861 |
| Noncurrent loans to loans | 0.0147% | 4,849 |
| Net loans and leases to total assets | 59.2574% | 3,927 |
| Net loans and leases to deposits | 66.7108% | 4,150 |
| Net loans and leases to core deposits | 71.8420% | 4,093 |
| Total domestic deposits to total assets | 88.8272% | 905 |
| Equity capital to assets | 10.4512% | 3,189 |
| Core capital (leverage) ratio | 10.8292% | 2,760 |
| Tier 1 risk-based capital ratio | 19.7599% | 1,387 |
| Total risk-based capital ratio | 20.9992% | 1,355 |
| Memoranda: | ||
| Average total assets | $474,928,000 | 1,475 |
| Average earning assets | $449,125,500 | 1,457 |
| Average equity | $47,456,000 | 1,588 |
| Average total loans | $279,341,750 | 1,689 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0471% | 3,617 |
| Cost of funding earning assets | 0.4123% | 3,627 |
| Net interest margin | 3.6347% | 3,184 |
| Noninterest income to average assets | 0.8951% | 1,195 |
| Noninterest expense to average assets | 2.6297% | 3,223 |
| Loan and lease loss provision to assets | 0.1047% | 1,860 |
| Net operating income to assets | 1.2912% | 1,804 |
| Return on assets (ROA) | 1.2912% | 1,800 |
| Pretax return on assets | 1.5968% | 1,513 |
| Return on Equity (ROE) | 13.1180% | 1,333 |
| Retained earnings to average equity (ytd only) | 8.4391% | 1,433 |
| Net charge-offs to loans | 0.0824% | 1,504 |
| Credit loss provision to net charge-offs | 217.3913% | 1,227 |
| Earnings coverage of net charge-offs (x) | 35.3391% | 1,382 |
| Efficiency ratio | 60.7153% | 3,810 |
| Assets per employee ($millions) | 4.7502% | 2,744 |
| Cash dividends to net income (ytd only)* | 35.6680% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1389% | 3,043 |
| Loan loss allowance to noncurrent loans | 1,020.7006% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.0819% | 4,601 |
| Noncurrent loans to loans | 0.1116% | 4,410 |
| Net loans and leases to total assets | 58.5695% | 3,942 |
| Net loans and leases to deposits | 65.5179% | 4,191 |
| Net loans and leases to core deposits | 70.5487% | 4,115 |
| Total domestic deposits to total assets | 89.3947% | 773 |
| Equity capital to assets | 9.9706% | 3,653 |
| Core capital (leverage) ratio | 10.4898% | 3,040 |
| Tier 1 risk-based capital ratio | 18.8716% | 1,584 |
| Total risk-based capital ratio | 20.0869% | 1,552 |
| Memoranda: | ||
| Average total assets | $477,701,670 | 1,476 |
| Average earning assets | $451,585,670 | 1,451 |
| Average equity | $47,019,330 | 1,603 |
| Average total loans | $279,215,330 | 1,695 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0471% | 3,434 |
| Cost of funding earning assets | 0.4071% | 3,532 |
| Net interest margin | 3.6400% | 3,030 |
| Noninterest income to average assets | 0.8801% | 1,203 |
| Noninterest expense to average assets | 2.5643% | 3,446 |
| Loan and lease loss provision to assets | 0.1044% | 1,778 |
| Net operating income to assets | 1.3285% | 1,548 |
| Return on assets (ROA) | 1.3285% | 1,556 |
| Pretax return on assets | 1.6458% | 1,256 |
| Return on Equity (ROE) | 13.5844% | 1,112 |
| Retained earnings to average equity (ytd only) | 13.5844% | 448 |
| Net charge-offs to loans | 0.0316% | 1,863 |
| Credit loss provision to net charge-offs | 568.1818% | 538 |
| Earnings coverage of net charge-offs (x) | 95.2727% | 636 |
| Efficiency ratio | 59.4349% | 4,140 |
| Assets per employee ($millions) | 4.7823% | 2,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 3,211 |
| Loan loss allowance to noncurrent loans | 874.1047% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.1125% | 4,534 |
| Noncurrent loans to loans | 0.1292% | 4,388 |
| Net loans and leases to total assets | 58.0867% | 3,931 |
| Net loans and leases to deposits | 64.8774% | 4,163 |
| Net loans and leases to core deposits | 69.8098% | 4,090 |
| Total domestic deposits to total assets | 89.5330% | 872 |
| Equity capital to assets | 9.9106% | 3,686 |
| Core capital (leverage) ratio | 10.3699% | 3,095 |
| Tier 1 risk-based capital ratio | 18.7407% | 1,621 |
| Total risk-based capital ratio | 19.9451% | 1,593 |
| Memoranda: | ||
| Average total assets | $479,044,000 | 1,475 |
| Average earning assets | $451,981,000 | 1,454 |
| Average equity | $46,848,000 | 1,615 |
| Average total loans | $278,113,000 | 1,700 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0555% | 3,222 |
| Cost of funding earning assets | 0.3086% | 4,052 |
| Net interest margin | 3.7468% | 2,616 |
| Noninterest income to average assets | 0.8826% | 1,318 |
| Noninterest expense to average assets | 2.6901% | 3,158 |
| Loan and lease loss provision to assets | 0.0863% | 2,466 |
| Net operating income to assets | 0.9880% | 2,302 |
| Return on assets (ROA) | 0.9880% | 2,334 |
| Pretax return on assets | 1.6335% | 1,205 |
| Return on Equity (ROE) | 9.5373% | 2,087 |
| Retained earnings to average equity (ytd only) | 4.3690% | 2,536 |
| Net charge-offs to loans | 0.1156% | 1,891 |
| Credit loss provision to net charge-offs | 128.8079% | 2,039 |
| Earnings coverage of net charge-offs (x) | 25.6556% | 1,704 |
| Efficiency ratio | 61.0007% | 4,117 |
| Assets per employee ($millions) | 4.8471% | 2,677 |
| Cash dividends to net income (ytd only)* | 54.1901% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1153% | 3,266 |
| Loan loss allowance to noncurrent loans | 1,724.7191% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.1048% | 4,609 |
| Noncurrent loans to loans | 0.0647% | 4,700 |
| Net loans and leases to total assets | 56.7241% | 4,123 |
| Net loans and leases to deposits | 65.5069% | 4,222 |
| Net loans and leases to core deposits | 69.9242% | 4,180 |
| Total domestic deposits to total assets | 86.5926% | 2,194 |
| Equity capital to assets | 9.6488% | 4,086 |
| Core capital (leverage) ratio | 10.2768% | 3,095 |
| Tier 1 risk-based capital ratio | 18.1759% | 1,756 |
| Total risk-based capital ratio | 19.3779% | 1,720 |
| Memoranda: | ||
| Average total assets | $450,509,800 | 1,545 |
| Average earning assets | $424,116,400 | 1,522 |
| Average equity | $46,669,400 | 1,612 |
| Average total loans | $261,191,000 | 1,755 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0581% | 3,143 |
| Cost of funding earning assets | 0.2960% | 4,168 |
| Net interest margin | 3.7621% | 2,533 |
| Noninterest income to average assets | 0.8938% | 1,292 |
| Noninterest expense to average assets | 2.7483% | 2,902 |
| Loan and lease loss provision to assets | 0.0839% | 2,414 |
| Net operating income to assets | 1.1207% | 1,990 |
| Return on assets (ROA) | 1.1207% | 2,056 |
| Pretax return on assets | 1.6105% | 1,380 |
| Return on Equity (ROE) | 10.6210% | 1,855 |
| Retained earnings to average equity (ytd only) | 7.4846% | 1,436 |
| Net charge-offs to loans | 0.0766% | 2,048 |
| Credit loss provision to net charge-offs | 188.5135% | 1,412 |
| Earnings coverage of net charge-offs (x) | 38.0538% | 1,349 |
| Efficiency ratio | 61.8609% | 3,909 |
| Assets per employee ($millions) | 4.6023% | 2,973 |
| Cash dividends to net income (ytd only)* | 29.5302% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 2,979 |
| Loan loss allowance to noncurrent loans | 679.9127% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.1697% | 4,426 |
| Noncurrent loans to loans | 0.1752% | 4,370 |
| Net loans and leases to total assets | 56.6983% | 4,178 |
| Net loans and leases to deposits | 63.9432% | 4,379 |
| Net loans and leases to core deposits | 68.6807% | 4,319 |
| Total domestic deposits to total assets | 88.6698% | 1,028 |
| Equity capital to assets | 10.6239% | 3,239 |
| Core capital (leverage) ratio | 10.5187% | 2,967 |
| Tier 1 risk-based capital ratio | 19.2024% | 1,538 |
| Total risk-based capital ratio | 20.4386% | 1,498 |
| Memoranda: | ||
| Average total assets | $443,171,500 | 1,580 |
| Average earning assets | $418,049,750 | 1,553 |
| Average equity | $46,761,500 | 1,620 |
| Average total loans | $257,671,750 | 1,780 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0555% | 2,994 |
| Cost of funding earning assets | 0.2760% | 4,324 |
| Net interest margin | 3.7795% | 2,362 |
| Noninterest income to average assets | 0.8896% | 1,301 |
| Noninterest expense to average assets | 2.7394% | 2,958 |
| Loan and lease loss provision to assets | 0.1011% | 1,994 |
| Net operating income to assets | 1.2034% | 1,589 |
| Return on assets (ROA) | 1.2034% | 1,623 |
| Pretax return on assets | 1.6166% | 1,294 |
| Return on Equity (ROE) | 11.4197% | 1,491 |
| Retained earnings to average equity (ytd only) | 6.6651% | 1,757 |
| Net charge-offs to loans | 0.0242% | 2,733 |
| Credit loss provision to net charge-offs | 716.1290% | 490 |
| Earnings coverage of net charge-offs (x) | 121.6452% | 572 |
| Efficiency ratio | 61.4614% | 4,092 |
| Assets per employee ($millions) | 4.4404% | 3,213 |
| Cash dividends to net income (ytd only)* | 41.6351% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 2,816 |
| Loan loss allowance to noncurrent loans | 793.5000% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.1394% | 4,627 |
| Noncurrent loans to loans | 0.1553% | 4,494 |
| Net loans and leases to total assets | 56.7255% | 4,155 |
| Net loans and leases to deposits | 66.7273% | 4,169 |
| Net loans and leases to core deposits | 71.9219% | 4,097 |
| Total domestic deposits to total assets | 85.0110% | 2,803 |
| Equity capital to assets | 10.5637% | 3,268 |
| Core capital (leverage) ratio | 10.7048% | 2,695 |
| Tier 1 risk-based capital ratio | 19.1549% | 1,560 |
| Total risk-based capital ratio | 20.4054% | 1,507 |
| Memoranda: | ||
| Average total assets | $439,076,000 | 1,596 |
| Average earning assets | $414,451,000 | 1,564 |
| Average equity | $46,271,000 | 1,638 |
| Average total loans | $256,412,670 | 1,783 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0306% | 2,927 |
| Cost of funding earning assets | 0.2468% | 4,564 |
| Net interest margin | 3.7838% | 2,172 |
| Noninterest income to average assets | 0.9034% | 1,226 |
| Noninterest expense to average assets | 2.6466% | 3,316 |
| Loan and lease loss provision to assets | 0.1022% | 1,855 |
| Net operating income to assets | 1.1944% | 1,516 |
| Return on assets (ROA) | 1.1944% | 1,558 |
| Pretax return on assets | 1.7266% | 947 |
| Return on Equity (ROE) | 11.3477% | 1,447 |
| Retained earnings to average equity (ytd only) | 11.3477% | 556 |
| Net charge-offs to loans | 0.0141% | 2,519 |
| Credit loss provision to net charge-offs | 1,233.3333% | 261 |
| Earnings coverage of net charge-offs (x) | 220.6667% | 254 |
| Efficiency ratio | 59.1358% | 4,574 |
| Assets per employee ($millions) | 4.4673% | 3,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1966% | 3,152 |
| Loan loss allowance to noncurrent loans | 662.0172% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.1596% | 4,612 |
| Noncurrent loans to loans | 0.1807% | 4,476 |
| Net loans and leases to total assets | 57.5967% | 4,010 |
| Net loans and leases to deposits | 66.1562% | 4,163 |
| Net loans and leases to core deposits | 70.8995% | 4,080 |
| Total domestic deposits to total assets | 87.0616% | 2,186 |
| Equity capital to assets | 10.5258% | 3,154 |
| Core capital (leverage) ratio | 10.8321% | 2,571 |
| Tier 1 risk-based capital ratio | 19.2857% | 1,541 |
| Total risk-based capital ratio | 20.5358% | 1,515 |
| Memoranda: | ||
| Average total assets | $434,373,500 | 1,621 |
| Average earning assets | $410,065,500 | 1,592 |
| Average equity | $45,718,500 | 1,655 |
| Average total loans | $255,830,500 | 1,799 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0995% | 2,852 |
| Cost of funding earning assets | 0.2045% | 4,973 |
| Net interest margin | 3.8950% | 1,983 |
| Noninterest income to average assets | 0.8873% | 1,453 |
| Noninterest expense to average assets | 2.7542% | 3,175 |
| Loan and lease loss provision to assets | 0.0656% | 3,053 |
| Net operating income to assets | 1.2259% | 1,421 |
| Return on assets (ROA) | 1.2259% | 1,512 |
| Pretax return on assets | 1.7294% | 931 |
| Return on Equity (ROE) | 11.3021% | 1,465 |
| Retained earnings to average equity (ytd only) | 6.0842% | 1,665 |
| Net charge-offs to loans | 0.1383% | 1,870 |
| Credit loss provision to net charge-offs | 80.2941% | 2,966 |
| Earnings coverage of net charge-offs (x) | 21.9676% | 1,754 |
| Efficiency ratio | 60.5420% | 4,498 |
| Assets per employee ($millions) | 4.3967% | 3,281 |
| Cash dividends to net income (ytd only)* | 46.1674% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1751% | 3,275 |
| Loan loss allowance to noncurrent loans | 331.8131% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.2636% | 4,234 |
| Noncurrent loans to loans | 0.3542% | 3,864 |
| Net loans and leases to total assets | 58.8215% | 3,984 |
| Net loans and leases to deposits | 66.2250% | 4,225 |
| Net loans and leases to core deposits | 70.8935% | 4,159 |
| Total domestic deposits to total assets | 88.8206% | 1,197 |
| Equity capital to assets | 10.5245% | 3,124 |
| Core capital (leverage) ratio | 10.9040% | 2,439 |
| Tier 1 risk-based capital ratio | 19.0625% | 1,580 |
| Total risk-based capital ratio | 20.3055% | 1,546 |
| Memoranda: | ||
| Average total assets | $416,090,000 | 1,626 |
| Average earning assets | $391,196,200 | 1,605 |
| Average equity | $45,133,200 | 1,663 |
| Average total loans | $245,922,200 | 1,815 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1189% | 2,805 |
| Cost of funding earning assets | 0.2006% | 5,058 |
| Net interest margin | 3.9183% | 1,913 |
| Noninterest income to average assets | 0.9129% | 1,365 |
| Noninterest expense to average assets | 2.8427% | 2,856 |
| Loan and lease loss provision to assets | 0.0784% | 2,658 |
| Net operating income to assets | 1.1866% | 1,684 |
| Return on assets (ROA) | 1.1866% | 1,784 |
| Pretax return on assets | 1.6700% | 1,198 |
| Return on Equity (ROE) | 10.8563% | 1,725 |
| Retained earnings to average equity (ytd only) | 7.4785% | 1,415 |
| Net charge-offs to loans | 0.0443% | 2,759 |
| Credit loss provision to net charge-offs | 300.0000% | 1,026 |
| Earnings coverage of net charge-offs (x) | 66.9366% | 886 |
| Efficiency ratio | 61.9188% | 4,245 |
| Assets per employee ($millions) | 4.4009% | 3,252 |
| Cash dividends to net income (ytd only)* | 31.1142% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3194% | 2,580 |
| Loan loss allowance to noncurrent loans | 270.3704% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.3108% | 4,164 |
| Noncurrent loans to loans | 0.4880% | 3,542 |
| Net loans and leases to total assets | 56.8625% | 4,213 |
| Net loans and leases to deposits | 64.4477% | 4,453 |
| Net loans and leases to core deposits | 69.6147% | 4,352 |
| Total domestic deposits to total assets | 88.2305% | 1,279 |
| Equity capital to assets | 11.0495% | 2,957 |
| Core capital (leverage) ratio | 10.8138% | 2,669 |
| Tier 1 risk-based capital ratio | 19.7887% | 1,487 |
| Total risk-based capital ratio | 21.0403% | 1,447 |
| Memoranda: | ||
| Average total assets | $413,492,000 | 1,636 |
| Average earning assets | $388,156,500 | 1,616 |
| Average equity | $45,195,250 | 1,669 |
| Average total loans | $243,941,250 | 1,830 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1305% | 2,747 |
| Cost of funding earning assets | 0.1955% | 5,190 |
| Net interest margin | 3.9350% | 1,861 |
| Noninterest income to average assets | 0.9165% | 1,322 |
| Noninterest expense to average assets | 2.8332% | 2,905 |
| Loan and lease loss provision to assets | 0.1038% | 2,116 |
| Net operating income to assets | 1.1942% | 1,625 |
| Return on assets (ROA) | 1.1942% | 1,716 |
| Pretax return on assets | 1.6760% | 1,155 |
| Return on Equity (ROE) | 10.9666% | 1,658 |
| Retained earnings to average equity (ytd only) | 5.8435% | 2,218 |
| Net charge-offs to loans | 0.0197% | 3,104 |
| Credit loss provision to net charge-offs | 887.5000% | 410 |
| Earnings coverage of net charge-offs (x) | 152.2083% | 408 |
| Efficiency ratio | 61.4174% | 4,445 |
| Assets per employee ($millions) | 4.2748% | 3,417 |
| Cash dividends to net income (ytd only)* | 46.7156% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3301% | 2,621 |
| Loan loss allowance to noncurrent loans | 448.6150% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.3607% | 4,038 |
| Noncurrent loans to loans | 0.2965% | 4,308 |
| Net loans and leases to total assets | 57.3560% | 4,183 |
| Net loans and leases to deposits | 64.8064% | 4,436 |
| Net loans and leases to core deposits | 69.4435% | 4,370 |
| Total domestic deposits to total assets | 88.5036% | 1,164 |
| Equity capital to assets | 10.8612% | 3,220 |
| Core capital (leverage) ratio | 10.5961% | 2,853 |
| Tier 1 risk-based capital ratio | 19.3360% | 1,617 |
| Total risk-based capital ratio | 20.5877% | 1,574 |
| Memoranda: | ||
| Average total assets | $410,492,330 | 1,645 |
| Average earning assets | $385,616,670 | 1,620 |
| Average equity | $44,699,330 | 1,684 |
| Average total loans | $244,104,670 | 1,834 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1523% | 2,639 |
| Cost of funding earning assets | 0.1830% | 5,349 |
| Net interest margin | 3.9693% | 1,713 |
| Noninterest income to average assets | 0.9245% | 1,252 |
| Noninterest expense to average assets | 2.7971% | 3,081 |
| Loan and lease loss provision to assets | 0.1053% | 1,945 |
| Net operating income to assets | 1.2258% | 1,473 |
| Return on assets (ROA) | 1.2258% | 1,581 |
| Pretax return on assets | 1.7377% | 972 |
| Return on Equity (ROE) | 11.2419% | 1,516 |
| Retained earnings to average equity (ytd only) | 11.2419% | 610 |
| Net charge-offs to loans | 0.0458% | 2,104 |
| Credit loss provision to net charge-offs | 382.1429% | 732 |
| Earnings coverage of net charge-offs (x) | 66.8571% | 725 |
| Efficiency ratio | 60.2801% | 4,709 |
| Assets per employee ($millions) | 4.1793% | 3,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 2,939 |
| Loan loss allowance to noncurrent loans | 327.3013% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.4309% | 3,861 |
| Noncurrent loans to loans | 0.3952% | 4,017 |
| Net loans and leases to total assets | 58.2957% | 4,010 |
| Net loans and leases to deposits | 65.9969% | 4,259 |
| Net loans and leases to core deposits | 68.4625% | 4,356 |
| Total domestic deposits to total assets | 88.3309% | 1,446 |
| Equity capital to assets | 11.0424% | 2,894 |
| Core capital (leverage) ratio | 10.9646% | 2,437 |
| Tier 1 risk-based capital ratio | 18.0801% | 1,962 |
| Total risk-based capital ratio | 19.3302% | 1,926 |
| Memoranda: | ||
| Average total assets | $406,273,000 | 1,660 |
| Average earning assets | $380,320,500 | 1,647 |
| Average equity | $44,298,500 | 1,695 |
| Average total loans | $244,396,500 | 1,835 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3167% | 2,169 |
| Cost of funding earning assets | 0.1595% | 5,618 |
| Net interest margin | 4.1573% | 1,265 |
| Noninterest income to average assets | 0.9714% | 1,255 |
| Noninterest expense to average assets | 2.8254% | 3,131 |
| Loan and lease loss provision to assets | 0.0905% | 2,493 |
| Net operating income to assets | 1.3692% | 1,105 |
| Return on assets (ROA) | 1.3692% | 1,151 |
| Pretax return on assets | 1.9551% | 594 |
| Return on Equity (ROE) | 12.6759% | 1,133 |
| Retained earnings to average equity (ytd only) | 6.7496% | 1,407 |
| Net charge-offs to loans | 0.1706% | 1,666 |
| Credit loss provision to net charge-offs | 87.0098% | 2,814 |
| Earnings coverage of net charge-offs (x) | 19.6740% | 1,930 |
| Efficiency ratio | 58.0046% | 5,144 |
| Assets per employee ($millions) | 4.1543% | 3,652 |
| Cash dividends to net income (ytd only)* | 46.7523% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 3,273 |
| Loan loss allowance to noncurrent loans | 341.1633% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.4492% | 3,818 |
| Noncurrent loans to loans | 0.3621% | 4,155 |
| Net loans and leases to total assets | 60.5129% | 3,759 |
| Net loans and leases to deposits | 68.3234% | 4,104 |
| Net loans and leases to core deposits | 70.7861% | 4,236 |
| Total domestic deposits to total assets | 88.5684% | 1,343 |
| Equity capital to assets | 10.7626% | 3,062 |
| Core capital (leverage) ratio | 10.9198% | 2,477 |
| Tier 1 risk-based capital ratio | 18.6079% | 1,804 |
| Total risk-based capital ratio | 19.8581% | 1,753 |
| Memoranda: | ||
| Average total assets | $392,408,400 | 1,677 |
| Average earning assets | $368,079,200 | 1,649 |
| Average equity | $42,387,600 | 1,717 |
| Average total loans | $239,108,400 | 1,806 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3363% | 2,120 |
| Cost of funding earning assets | 0.1596% | 5,711 |
| Net interest margin | 4.1767% | 1,221 |
| Noninterest income to average assets | 0.9629% | 1,283 |
| Noninterest expense to average assets | 2.8122% | 3,142 |
| Loan and lease loss provision to assets | 0.0848% | 2,471 |
| Net operating income to assets | 1.3888% | 1,137 |
| Return on assets (ROA) | 1.3888% | 1,185 |
| Pretax return on assets | 1.9875% | 610 |
| Return on Equity (ROE) | 12.8451% | 1,164 |
| Retained earnings to average equity (ytd only) | 9.3649% | 773 |
| Net charge-offs to loans | 0.1046% | 2,087 |
| Credit loss provision to net charge-offs | 133.3333% | 1,843 |
| Earnings coverage of net charge-offs (x) | 32.5704% | 1,415 |
| Efficiency ratio | 57.5741% | 5,171 |
| Assets per employee ($millions) | 3.9924% | 3,888 |
| Cash dividends to net income (ytd only)* | 27.0936% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 3,095 |
| Loan loss allowance to noncurrent loans | 196.0967% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.4736% | 3,906 |
| Noncurrent loans to loans | 0.6628% | 3,344 |
| Net loans and leases to total assets | 62.0642% | 3,597 |
| Net loans and leases to deposits | 70.5585% | 3,917 |
| Net loans and leases to core deposits | 73.5916% | 4,055 |
| Total domestic deposits to total assets | 87.9613% | 1,586 |
| Equity capital to assets | 11.3268% | 2,670 |
| Core capital (leverage) ratio | 11.0368% | 2,445 |
| Tier 1 risk-based capital ratio | 19.4741% | 1,667 |
| Total risk-based capital ratio | 20.7262% | 1,638 |
| Memoranda: | ||
| Average total assets | $389,768,000 | 1,701 |
| Average earning assets | $365,955,000 | 1,667 |
| Average equity | $42,142,000 | 1,747 |
| Average total loans | $237,160,750 | 1,824 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2768% | 2,257 |
| Cost of funding earning assets | 0.1596% | 5,779 |
| Net interest margin | 4.1172% | 1,310 |
| Noninterest income to average assets | 0.9432% | 1,323 |
| Noninterest expense to average assets | 2.8105% | 3,190 |
| Loan and lease loss provision to assets | 0.0911% | 2,297 |
| Net operating income to assets | 1.3267% | 1,250 |
| Return on assets (ROA) | 1.3267% | 1,297 |
| Pretax return on assets | 1.9109% | 721 |
| Return on Equity (ROE) | 12.4664% | 1,239 |
| Retained earnings to average equity (ytd only) | 7.1738% | 1,628 |
| Net charge-offs to loans | 0.0962% | 2,055 |
| Credit loss provision to net charge-offs | 157.5221% | 1,483 |
| Earnings coverage of net charge-offs (x) | 34.6018% | 1,241 |
| Efficiency ratio | 58.3998% | 5,175 |
| Assets per employee ($millions) | 4.0347% | 3,813 |
| Cash dividends to net income (ytd only)* | 42.4547% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3206% | 3,128 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.1055% | 5,444 |
| Noncurrent loans to loans | 0.1201% | 5,282 |
| Net loans and leases to total assets | 60.4842% | 3,760 |
| Net loans and leases to deposits | 68.2309% | 4,114 |
| Net loans and leases to core deposits | 70.8555% | 4,238 |
| Total domestic deposits to total assets | 88.6463% | 1,331 |
| Equity capital to assets | 10.7428% | 3,174 |
| Core capital (leverage) ratio | 10.4216% | 3,061 |
| Tier 1 risk-based capital ratio | 18.7968% | 1,841 |
| Total risk-based capital ratio | 20.0489% | 1,810 |
| Memoranda: | ||
| Average total assets | $390,601,670 | 1,703 |
| Average earning assets | $367,098,330 | 1,674 |
| Average equity | $41,567,670 | 1,771 |
| Average total loans | $235,041,330 | 1,839 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2131% | 2,402 |
| Cost of funding earning assets | 0.1599% | 5,841 |
| Net interest margin | 4.0532% | 1,406 |
| Noninterest income to average assets | 0.9451% | 1,248 |
| Noninterest expense to average assets | 2.7574% | 3,396 |
| Loan and lease loss provision to assets | 0.1097% | 1,878 |
| Net operating income to assets | 1.2998% | 1,276 |
| Return on assets (ROA) | 1.2998% | 1,362 |
| Pretax return on assets | 1.8718% | 754 |
| Return on Equity (ROE) | 12.2721% | 1,276 |
| Retained earnings to average equity (ytd only) | 12.2721% | 535 |
| Net charge-offs to loans | 0.0138% | 2,903 |
| Credit loss provision to net charge-offs | 1,337.5000% | 270 |
| Earnings coverage of net charge-offs (x) | 241.6250% | 233 |
| Efficiency ratio | 58.1873% | 5,313 |
| Assets per employee ($millions) | 4.1228% | 3,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3598% | 3,102 |
| Loan loss allowance to noncurrent loans | 608.7452% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 5,308 |
| Noncurrent loans to loans | 0.2234% | 4,974 |
| Net loans and leases to total assets | 58.0819% | 3,934 |
| Net loans and leases to deposits | 65.3604% | 4,224 |
| Net loans and leases to core deposits | 67.8262% | 4,342 |
| Total domestic deposits to total assets | 88.8641% | 1,355 |
| Equity capital to assets | 10.5328% | 3,498 |
| Core capital (leverage) ratio | 10.5658% | 2,888 |
| Tier 1 risk-based capital ratio | 18.5407% | 1,994 |
| Total risk-based capital ratio | 19.7932% | 1,941 |
| Memoranda: | ||
| Average total assets | $390,217,500 | 1,709 |
| Average earning assets | $365,243,500 | 1,684 |
| Average equity | $41,329,500 | 1,782 |
| Average total loans | $232,619,500 | 1,852 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2621% | 2,733 |
| Cost of funding earning assets | 0.1745% | 5,946 |
| Net interest margin | 4.0876% | 1,617 |
| Noninterest income to average assets | 1.0362% | 1,143 |
| Noninterest expense to average assets | 2.8805% | 3,207 |
| Loan and lease loss provision to assets | 0.0713% | 3,060 |
| Net operating income to assets | 1.2810% | 1,345 |
| Return on assets (ROA) | 1.2810% | 1,395 |
| Pretax return on assets | 1.9032% | 636 |
| Return on Equity (ROE) | 12.1287% | 1,379 |
| Retained earnings to average equity (ytd only) | 6.2401% | 1,786 |
| Net charge-offs to loans | 0.0925% | 3,173 |
| Credit loss provision to net charge-offs | 129.2683% | 1,850 |
| Earnings coverage of net charge-offs (x) | 35.8049% | 1,181 |
| Efficiency ratio | 59.3307% | 5,303 |
| Assets per employee ($millions) | 4.0916% | 3,737 |
| Cash dividends to net income (ytd only)* | 48.5510% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3505% | 3,168 |
| Loan loss allowance to noncurrent loans | 1,128.3636% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.1104% | 5,598 |
| Noncurrent loans to loans | 0.1197% | 5,419 |
| Net loans and leases to total assets | 59.5648% | 3,843 |
| Net loans and leases to deposits | 67.1777% | 4,203 |
| Net loans and leases to core deposits | 71.4355% | 4,175 |
| Total domestic deposits to total assets | 88.6674% | 1,434 |
| Equity capital to assets | 10.6530% | 3,296 |
| Core capital (leverage) ratio | 10.6534% | 2,776 |
| Tier 1 risk-based capital ratio | 18.4608% | 1,999 |
| Total risk-based capital ratio | 19.7127% | 1,971 |
| Memoranda: | ||
| Average total assets | $371,736,600 | 1,749 |
| Average earning assets | $347,293,600 | 1,725 |
| Average equity | $39,262,200 | 1,801 |
| Average total loans | $221,669,600 | 1,890 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2337% | 2,871 |
| Cost of funding earning assets | 0.1762% | 6,024 |
| Net interest margin | 4.0575% | 1,703 |
| Noninterest income to average assets | 1.0575% | 1,096 |
| Noninterest expense to average assets | 2.9441% | 2,977 |
| Loan and lease loss provision to assets | 0.0862% | 2,628 |
| Net operating income to assets | 1.2173% | 1,620 |
| Return on assets (ROA) | 1.2173% | 1,682 |
| Pretax return on assets | 1.8235% | 848 |
| Return on Equity (ROE) | 11.5515% | 1,608 |
| Retained earnings to average equity (ytd only) | 8.1278% | 1,299 |
| Net charge-offs to loans | 0.0546% | 3,435 |
| Credit loss provision to net charge-offs | 265.5556% | 1,004 |
| Earnings coverage of net charge-offs (x) | 58.8097% | 878 |
| Efficiency ratio | 60.6556% | 5,099 |
| Assets per employee ($millions) | 4.0054% | 3,872 |
| Cash dividends to net income (ytd only)* | 29.6384% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4154% | 3,096 |
| Loan loss allowance to noncurrent loans | 8,866.6667% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0428% | 5,995 |
| Noncurrent loans to loans | 0.0160% | 5,968 |
| Net loans and leases to total assets | 59.0494% | 3,920 |
| Net loans and leases to deposits | 66.6312% | 4,267 |
| Net loans and leases to core deposits | 71.3509% | 4,221 |
| Total domestic deposits to total assets | 88.6212% | 1,439 |
| Equity capital to assets | 10.6840% | 3,325 |
| Core capital (leverage) ratio | 10.7446% | 2,767 |
| Tier 1 risk-based capital ratio | 18.8798% | 1,935 |
| Total risk-based capital ratio | 20.1329% | 1,907 |
| Memoranda: | ||
| Average total assets | $369,540,250 | 1,773 |
| Average earning assets | $345,753,750 | 1,740 |
| Average equity | $38,943,500 | 1,823 |
| Average total loans | $219,647,000 | 1,918 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1854% | 3,005 |
| Cost of funding earning assets | 0.1782% | 6,083 |
| Net interest margin | 4.0071% | 1,786 |
| Noninterest income to average assets | 1.0582% | 1,063 |
| Noninterest expense to average assets | 2.9454% | 3,022 |
| Loan and lease loss provision to assets | 0.0871% | 2,571 |
| Net operating income to assets | 1.1879% | 1,629 |
| Return on assets (ROA) | 1.1879% | 1,700 |
| Pretax return on assets | 1.7728% | 890 |
| Return on Equity (ROE) | 11.3252% | 1,624 |
| Retained earnings to average equity (ytd only) | 6.1325% | 2,245 |
| Net charge-offs to loans | 0.0285% | 3,622 |
| Credit loss provision to net charge-offs | 516.1290% | 569 |
| Earnings coverage of net charge-offs (x) | 110.1613% | 520 |
| Efficiency ratio | 61.2943% | 5,103 |
| Assets per employee ($millions) | 3.8050% | 4,243 |
| Cash dividends to net income (ytd only)* | 45.8505% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4247% | 3,220 |
| Loan loss allowance to noncurrent loans | 1,733.3333% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0834% | 5,915 |
| Noncurrent loans to loans | 0.0822% | 5,773 |
| Net loans and leases to total assets | 59.4654% | 3,792 |
| Net loans and leases to deposits | 66.9271% | 4,167 |
| Net loans and leases to core deposits | 71.0715% | 4,145 |
| Total domestic deposits to total assets | 88.8511% | 1,447 |
| Equity capital to assets | 10.5496% | 3,381 |
| Core capital (leverage) ratio | 10.4977% | 2,954 |
| Tier 1 risk-based capital ratio | 18.3944% | 2,104 |
| Total risk-based capital ratio | 19.6476% | 2,065 |
| Memoranda: | ||
| Average total assets | $367,218,000 | 1,786 |
| Average earning assets | $343,387,000 | 1,746 |
| Average equity | $38,516,000 | 1,834 |
| Average total loans | $217,690,330 | 1,923 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1491% | 3,080 |
| Cost of funding earning assets | 0.1826% | 6,141 |
| Net interest margin | 3.9665% | 1,866 |
| Noninterest income to average assets | 1.0800% | 955 |
| Noninterest expense to average assets | 2.9223% | 3,147 |
| Loan and lease loss provision to assets | 0.0874% | 2,461 |
| Net operating income to assets | 1.1838% | 1,530 |
| Return on assets (ROA) | 1.1838% | 1,597 |
| Pretax return on assets | 1.7713% | 839 |
| Return on Equity (ROE) | 11.3195% | 1,595 |
| Retained earnings to average equity (ytd only) | 11.3195% | 700 |
| Net charge-offs to loans | -0.0260% | 5,484 |
| Credit loss provision to net charge-offs | -571.4286% | 5,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1238% | 5,250 |
| Assets per employee ($millions) | 3.9189% | 4,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4444% | 3,394 |
| Loan loss allowance to noncurrent loans | 1,723.6264% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.1029% | 5,939 |
| Noncurrent loans to loans | 0.0838% | 5,886 |
| Net loans and leases to total assets | 56.8941% | 4,021 |
| Net loans and leases to deposits | 63.8636% | 4,328 |
| Net loans and leases to core deposits | 67.7681% | 4,337 |
| Total domestic deposits to total assets | 89.0870% | 1,599 |
| Equity capital to assets | 10.3298% | 3,424 |
| Core capital (leverage) ratio | 10.5930% | 2,818 |
| Tier 1 risk-based capital ratio | 18.3730% | 2,155 |
| Total risk-based capital ratio | 19.6259% | 2,122 |
| Memoranda: | ||
| Average total assets | $366,284,500 | 1,793 |
| Average earning assets | $341,764,000 | 1,763 |
| Average equity | $38,305,500 | 1,839 |
| Average total loans | $215,210,500 | 1,933 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2732% | 3,054 |
| Cost of funding earning assets | 0.2008% | 6,291 |
| Net interest margin | 4.0724% | 1,726 |
| Noninterest income to average assets | 1.0504% | 1,272 |
| Noninterest expense to average assets | 2.9968% | 3,067 |
| Loan and lease loss provision to assets | 0.0099% | 4,927 |
| Net operating income to assets | 1.2500% | 1,393 |
| Return on assets (ROA) | 1.2500% | 1,447 |
| Pretax return on assets | 1.8209% | 717 |
| Return on Equity (ROE) | 11.7865% | 1,493 |
| Retained earnings to average equity (ytd only) | 5.5359% | 2,254 |
| Net charge-offs to loans | 0.2151% | 2,740 |
| Credit loss provision to net charge-offs | 7.7605% | 4,611 |
| Earnings coverage of net charge-offs (x) | 14.2993% | 1,954 |
| Efficiency ratio | 62.0759% | 5,196 |
| Assets per employee ($millions) | 3.7511% | 4,365 |
| Cash dividends to net income (ytd only)* | 53.0320% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4270% | 3,523 |
| Loan loss allowance to noncurrent loans | 1,913.8365% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.6794% | 4,209 |
| Noncurrent loans to loans | 0.0746% | 5,992 |
| Net loans and leases to total assets | 58.9853% | 3,873 |
| Net loans and leases to deposits | 66.4331% | 4,250 |
| Net loans and leases to core deposits | 70.7860% | 4,212 |
| Total domestic deposits to total assets | 88.7891% | 1,760 |
| Equity capital to assets | 10.5930% | 3,056 |
| Core capital (leverage) ratio | 10.6464% | 2,733 |
| Tier 1 risk-based capital ratio | 18.3221% | 2,140 |
| Total risk-based capital ratio | 19.5750% | 2,098 |
| Memoranda: | ||
| Average total assets | $352,243,000 | 1,839 |
| Average earning assets | $326,712,400 | 1,817 |
| Average equity | $37,356,200 | 1,856 |
| Average total loans | $209,692,000 | 1,930 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2804% | 3,077 |
| Cost of funding earning assets | 0.2070% | 6,372 |
| Net interest margin | 4.0734% | 1,711 |
| Noninterest income to average assets | 1.0417% | 1,341 |
| Noninterest expense to average assets | 3.0047% | 2,978 |
| Loan and lease loss provision to assets | 0.0133% | 4,739 |
| Net operating income to assets | 1.2395% | 1,509 |
| Return on assets (ROA) | 1.2395% | 1,590 |
| Pretax return on assets | 1.8040% | 902 |
| Return on Equity (ROE) | 11.6840% | 1,582 |
| Retained earnings to average equity (ytd only) | 8.1054% | 1,366 |
| Net charge-offs to loans | 0.2082% | 2,577 |
| Credit loss provision to net charge-offs | 10.7362% | 4,212 |
| Earnings coverage of net charge-offs (x) | 14.6839% | 1,923 |
| Efficiency ratio | 62.3130% | 5,094 |
| Assets per employee ($millions) | 3.7572% | 4,333 |
| Cash dividends to net income (ytd only)* | 30.6279% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5064% | 3,428 |
| Loan loss allowance to noncurrent loans | 8,562.1622% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.6348% | 4,533 |
| Noncurrent loans to loans | 0.0176% | 6,302 |
| Net loans and leases to total assets | 58.6485% | 3,903 |
| Net loans and leases to deposits | 66.1615% | 4,287 |
| Net loans and leases to core deposits | 70.6721% | 4,246 |
| Total domestic deposits to total assets | 88.6445% | 1,753 |
| Equity capital to assets | 10.6995% | 3,070 |
| Core capital (leverage) ratio | 10.7480% | 2,725 |
| Tier 1 risk-based capital ratio | 18.6388% | 2,102 |
| Total risk-based capital ratio | 19.8924% | 2,070 |
| Memoranda: | ||
| Average total assets | $351,214,250 | 1,859 |
| Average earning assets | $325,941,500 | 1,830 |
| Average equity | $37,258,000 | 1,873 |
| Average total loans | $208,804,500 | 1,944 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2351% | 3,214 |
| Cost of funding earning assets | 0.2182% | 6,377 |
| Net interest margin | 4.0169% | 1,802 |
| Noninterest income to average assets | 1.0104% | 1,504 |
| Noninterest expense to average assets | 3.0015% | 2,997 |
| Loan and lease loss provision to assets | 0.0200% | 4,499 |
| Net operating income to assets | 1.1867% | 1,628 |
| Return on assets (ROA) | 1.1867% | 1,736 |
| Pretax return on assets | 1.7281% | 1,051 |
| Return on Equity (ROE) | 11.2186% | 1,743 |
| Retained earnings to average equity (ytd only) | 5.8250% | 2,537 |
| Net charge-offs to loans | 0.2410% | 2,276 |
| Credit loss provision to net charge-offs | 13.9442% | 3,838 |
| Earnings coverage of net charge-offs (x) | 12.2072% | 1,996 |
| Efficiency ratio | 63.1952% | 4,983 |
| Assets per employee ($millions) | 3.6538% | 4,512 |
| Cash dividends to net income (ytd only)* | 48.0769% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5424% | 3,396 |
| Loan loss allowance to noncurrent loans | 1,106.8259% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.8202% | 4,180 |
| Noncurrent loans to loans | 0.1394% | 5,976 |
| Net loans and leases to total assets | 59.0183% | 3,827 |
| Net loans and leases to deposits | 66.3579% | 4,224 |
| Net loans and leases to core deposits | 70.7880% | 4,187 |
| Total domestic deposits to total assets | 88.9393% | 1,665 |
| Equity capital to assets | 10.5013% | 3,307 |
| Core capital (leverage) ratio | 10.3011% | 3,097 |
| Tier 1 risk-based capital ratio | 17.8325% | 2,381 |
| Total risk-based capital ratio | 19.0803% | 2,345 |
| Memoranda: | ||
| Average total assets | $350,560,000 | 1,864 |
| Average earning assets | $326,323,670 | 1,834 |
| Average equity | $37,081,330 | 1,886 |
| Average total loans | $208,305,670 | 1,952 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1604% | 3,467 |
| Cost of funding earning assets | 0.2324% | 6,397 |
| Net interest margin | 3.9281% | 2,018 |
| Noninterest income to average assets | 0.9907% | 1,487 |
| Noninterest expense to average assets | 2.9938% | 3,014 |
| Loan and lease loss provision to assets | 0.0399% | 3,929 |
| Net operating income to assets | 1.1265% | 1,755 |
| Return on assets (ROA) | 1.1265% | 1,874 |
| Pretax return on assets | 1.6230% | 1,250 |
| Return on Equity (ROE) | 10.6116% | 1,833 |
| Retained earnings to average equity (ytd only) | 10.6116% | 960 |
| Net charge-offs to loans | 0.0733% | 3,109 |
| Credit loss provision to net charge-offs | 92.1053% | 1,985 |
| Earnings coverage of net charge-offs (x) | 38.3421% | 822 |
| Efficiency ratio | 64.2892% | 4,964 |
| Assets per employee ($millions) | 3.7547% | 4,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6568% | 3,174 |
| Loan loss allowance to noncurrent loans | 109.5404% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 1.0850% | 3,766 |
| Noncurrent loans to loans | 1.5125% | 3,283 |
| Net loans and leases to total assets | 57.5096% | 3,844 |
| Net loans and leases to deposits | 64.6240% | 4,241 |
| Net loans and leases to core deposits | 68.7734% | 4,213 |
| Total domestic deposits to total assets | 88.9912% | 1,689 |
| Equity capital to assets | 10.5516% | 3,490 |
| Core capital (leverage) ratio | 10.4068% | 2,895 |
| Tier 1 risk-based capital ratio | 17.8624% | 2,425 |
| Total risk-based capital ratio | 19.1175% | 2,383 |
| Memoranda: | ||
| Average total assets | $350,457,000 | 1,890 |
| Average earning assets | $327,080,500 | 1,850 |
| Average equity | $37,204,500 | 1,906 |
| Average total loans | $207,329,000 | 1,966 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5720% | 3,114 |
| Cost of funding earning assets | 0.2586% | 6,637 |
| Net interest margin | 4.3134% | 1,376 |
| Noninterest income to average assets | 1.0795% | 1,333 |
| Noninterest expense to average assets | 3.0551% | 3,078 |
| Loan and lease loss provision to assets | 0.1417% | 3,833 |
| Net operating income to assets | 1.2861% | 1,349 |
| Return on assets (ROA) | 1.2861% | 1,494 |
| Pretax return on assets | 1.8454% | 844 |
| Return on Equity (ROE) | 11.5313% | 1,643 |
| Retained earnings to average equity (ytd only) | -0.3757% | 5,919 |
| Net charge-offs to loans | 0.0724% | 4,962 |
| Credit loss provision to net charge-offs | 324.3243% | 753 |
| Earnings coverage of net charge-offs (x) | 45.4932% | 721 |
| Efficiency ratio | 60.5034% | 5,466 |
| Assets per employee ($millions) | 3.6619% | 4,645 |
| Cash dividends to net income (ytd only)* | 103.2584% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6786% | 3,011 |
| Loan loss allowance to noncurrent loans | 102.9464% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 1.1257% | 3,775 |
| Noncurrent loans to loans | 1.6305% | 3,182 |
| Net loans and leases to total assets | 58.8605% | 3,829 |
| Net loans and leases to deposits | 66.3811% | 4,231 |
| Net loans and leases to core deposits | 70.5797% | 4,222 |
| Total domestic deposits to total assets | 88.6706% | 1,792 |
| Equity capital to assets | 10.6827% | 3,308 |
| Core capital (leverage) ratio | 10.3598% | 2,936 |
| Tier 1 risk-based capital ratio | 17.8595% | 2,312 |
| Total risk-based capital ratio | 19.1155% | 2,281 |
| Memoranda: | ||
| Average total assets | $338,846,800 | 1,910 |
| Average earning assets | $311,285,200 | 1,900 |
| Average equity | $37,792,800 | 1,837 |
| Average total loans | $204,557,400 | 1,971 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6274% | 3,105 |
| Cost of funding earning assets | 0.2689% | 6,735 |
| Net interest margin | 4.3585% | 1,324 |
| Noninterest income to average assets | 1.0781% | 1,295 |
| Noninterest expense to average assets | 3.0320% | 3,120 |
| Loan and lease loss provision to assets | 0.1778% | 3,363 |
| Net operating income to assets | 1.2566% | 1,554 |
| Return on assets (ROA) | 1.2566% | 1,717 |
| Pretax return on assets | 1.8579% | 949 |
| Return on Equity (ROE) | 11.1471% | 1,907 |
| Retained earnings to average equity (ytd only) | 7.6428% | 1,778 |
| Net charge-offs to loans | 0.0522% | 4,925 |
| Credit loss provision to net charge-offs | 562.5000% | 465 |
| Earnings coverage of net charge-offs (x) | 64.4149% | 619 |
| Efficiency ratio | 59.7131% | 5,544 |
| Assets per employee ($millions) | 3.6487% | 4,660 |
| Cash dividends to net income (ytd only)* | 31.4366% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6848% | 3,197 |
| Loan loss allowance to noncurrent loans | 78.9569% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 1.4800% | 3,381 |
| Noncurrent loans to loans | 2.1339% | 2,688 |
| Net loans and leases to total assets | 60.7892% | 3,614 |
| Net loans and leases to deposits | 69.3531% | 3,983 |
| Net loans and leases to core deposits | 72.9087% | 4,133 |
| Total domestic deposits to total assets | 87.6517% | 2,261 |
| Equity capital to assets | 11.6833% | 2,551 |
| Core capital (leverage) ratio | 11.2903% | 2,147 |
| Tier 1 risk-based capital ratio | 18.9507% | 2,026 |
| Total risk-based capital ratio | 20.2068% | 1,993 |
| Memoranda: | ||
| Average total assets | $337,503,750 | 1,932 |
| Average earning assets | $308,934,000 | 1,936 |
| Average equity | $38,048,000 | 1,845 |
| Average total loans | $204,179,750 | 1,991 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6306% | 3,228 |
| Cost of funding earning assets | 0.2768% | 6,810 |
| Net interest margin | 4.3538% | 1,332 |
| Noninterest income to average assets | 1.0529% | 1,306 |
| Noninterest expense to average assets | 2.9606% | 3,408 |
| Loan and lease loss provision to assets | 0.1775% | 3,321 |
| Net operating income to assets | 1.3084% | 1,417 |
| Return on assets (ROA) | 1.3084% | 1,569 |
| Pretax return on assets | 1.8970% | 852 |
| Return on Equity (ROE) | 11.7479% | 1,752 |
| Retained earnings to average equity (ytd only) | 6.4369% | 2,418 |
| Net charge-offs to loans | 0.0404% | 4,811 |
| Credit loss provision to net charge-offs | 731.7073% | 432 |
| Earnings coverage of net charge-offs (x) | 85.5366% | 481 |
| Efficiency ratio | 58.6231% | 5,786 |
| Assets per employee ($millions) | 3.6470% | 4,645 |
| Cash dividends to net income (ytd only)* | 45.2080% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6233% | 3,523 |
| Loan loss allowance to noncurrent loans | 79.2047% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 1.4348% | 3,562 |
| Noncurrent loans to loans | 2.0495% | 2,889 |
| Net loans and leases to total assets | 61.1588% | 3,597 |
| Net loans and leases to deposits | 69.3152% | 3,994 |
| Net loans and leases to core deposits | 72.5644% | 4,233 |
| Total domestic deposits to total assets | 88.2329% | 2,001 |
| Equity capital to assets | 11.3532% | 2,732 |
| Core capital (leverage) ratio | 10.8419% | 2,442 |
| Tier 1 risk-based capital ratio | 18.1283% | 2,255 |
| Total risk-based capital ratio | 19.3830% | 2,222 |
| Memoranda: | ||
| Average total assets | $338,110,670 | 1,929 |
| Average earning assets | $309,250,000 | 1,933 |
| Average equity | $37,657,670 | 1,856 |
| Average total loans | $203,054,330 | 1,996 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6688% | 3,172 |
| Cost of funding earning assets | 0.2935% | 6,864 |
| Net interest margin | 4.3753% | 1,283 |
| Noninterest income to average assets | 1.0465% | 1,320 |
| Noninterest expense to average assets | 2.9817% | 3,326 |
| Loan and lease loss provision to assets | 0.1768% | 3,201 |
| Net operating income to assets | 1.2328% | 1,651 |
| Return on assets (ROA) | 1.2328% | 1,829 |
| Pretax return on assets | 1.8409% | 994 |
| Return on Equity (ROE) | 11.1752% | 1,950 |
| Retained earnings to average equity (ytd only) | 11.1752% | 988 |
| Net charge-offs to loans | 0.0200% | 4,410 |
| Credit loss provision to net charge-offs | 1,500.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 171.2000% | 209 |
| Efficiency ratio | 59.2881% | 5,724 |
| Assets per employee ($millions) | 3.7426% | 4,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6161% | 3,662 |
| Loan loss allowance to noncurrent loans | 76.2249% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 1.4051% | 3,762 |
| Noncurrent loans to loans | 2.1202% | 3,005 |
| Net loans and leases to total assets | 57.7610% | 4,074 |
| Net loans and leases to deposits | 65.2879% | 4,457 |
| Net loans and leases to core deposits | 68.2995% | 4,649 |
| Total domestic deposits to total assets | 88.4712% | 2,027 |
| Equity capital to assets | 11.0014% | 2,905 |
| Core capital (leverage) ratio | 10.7918% | 2,447 |
| Tier 1 risk-based capital ratio | 18.2841% | 2,208 |
| Total risk-based capital ratio | 19.5339% | 2,181 |
| Memoranda: | ||
| Average total assets | $339,402,000 | 1,929 |
| Average earning assets | $306,630,000 | 1,945 |
| Average equity | $37,440,000 | 1,866 |
| Average total loans | $200,286,000 | 2,034 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9704% | 3,023 |
| Cost of funding earning assets | 0.3615% | 6,981 |
| Net interest margin | 4.6089% | 905 |
| Noninterest income to average assets | 1.1124% | 1,073 |
| Noninterest expense to average assets | 3.3228% | 2,446 |
| Loan and lease loss provision to assets | 0.1790% | 4,404 |
| Net operating income to assets | 1.2168% | 1,473 |
| Return on assets (ROA) | 1.2168% | 1,576 |
| Pretax return on assets | 1.7675% | 863 |
| Return on Equity (ROE) | 11.1875% | 1,651 |
| Retained earnings to average equity (ytd only) | 4.6050% | 2,902 |
| Net charge-offs to loans | 0.1591% | 4,873 |
| Credit loss provision to net charge-offs | 190.4762% | 1,342 |
| Earnings coverage of net charge-offs (x) | 20.7143% | 1,122 |
| Efficiency ratio | 61.9735% | 5,467 |
| Assets per employee ($millions) | 3.6357% | 4,693 |
| Cash dividends to net income (ytd only)* | 58.8380% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5759% | 3,673 |
| Loan loss allowance to noncurrent loans | 74.0995% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 1.3893% | 3,914 |
| Noncurrent loans to loans | 2.1268% | 3,036 |
| Net loans and leases to total assets | 58.3871% | 4,300 |
| Net loans and leases to deposits | 65.9860% | 4,731 |
| Net loans and leases to core deposits | 69.0311% | 4,903 |
| Total domestic deposits to total assets | 88.4841% | 1,861 |
| Equity capital to assets | 11.0618% | 2,931 |
| Core capital (leverage) ratio | 10.7450% | 2,482 |
| Tier 1 risk-based capital ratio | 18.1824% | 2,139 |
| Total risk-based capital ratio | 19.4362% | 2,108 |
| Memoranda: | ||
| Average total assets | $335,225,000 | 1,929 |
| Average earning assets | $302,348,400 | 1,941 |
| Average equity | $36,460,400 | 1,855 |
| Average total loans | $197,977,800 | 2,060 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9484% | 3,335 |
| Cost of funding earning assets | 0.3739% | 7,076 |
| Net interest margin | 4.5745% | 998 |
| Noninterest income to average assets | 1.1301% | 1,033 |
| Noninterest expense to average assets | 3.3411% | 2,370 |
| Loan and lease loss provision to assets | 0.1789% | 4,242 |
| Net operating income to assets | 1.2359% | 1,555 |
| Return on assets (ROA) | 1.2359% | 1,658 |
| Pretax return on assets | 1.7630% | 1,021 |
| Return on Equity (ROE) | 11.4114% | 1,716 |
| Retained earnings to average equity (ytd only) | 8.4750% | 1,324 |
| Net charge-offs to loans | 0.1833% | 4,333 |
| Credit loss provision to net charge-offs | 165.4412% | 1,843 |
| Earnings coverage of net charge-offs (x) | 17.9594% | 1,324 |
| Efficiency ratio | 62.1595% | 5,387 |
| Assets per employee ($millions) | 3.4785% | 5,057 |
| Cash dividends to net income (ytd only)* | 25.7317% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5028% | 4,071 |
| Loan loss allowance to noncurrent loans | 52.5035% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 1.8377% | 3,351 |
| Noncurrent loans to loans | 2.8622% | 2,437 |
| Net loans and leases to total assets | 59.8987% | 4,148 |
| Net loans and leases to deposits | 67.9643% | 4,614 |
| Net loans and leases to core deposits | 71.2091% | 4,816 |
| Total domestic deposits to total assets | 88.1326% | 1,969 |
| Equity capital to assets | 11.3892% | 2,786 |
| Core capital (leverage) ratio | 10.9566% | 2,430 |
| Tier 1 risk-based capital ratio | 18.1936% | 2,190 |
| Total risk-based capital ratio | 19.4466% | 2,153 |
| Memoranda: | ||
| Average total assets | $335,410,000 | 1,933 |
| Average earning assets | $304,494,000 | 1,938 |
| Average equity | $36,325,500 | 1,859 |
| Average total loans | $197,866,500 | 2,080 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8267% | 3,971 |
| Cost of funding earning assets | 0.3775% | 7,179 |
| Net interest margin | 4.4492% | 1,245 |
| Noninterest income to average assets | 1.1310% | 1,011 |
| Noninterest expense to average assets | 3.4326% | 2,174 |
| Loan and lease loss provision to assets | 0.1780% | 4,141 |
| Net operating income to assets | 1.1553% | 1,701 |
| Return on assets (ROA) | 1.1553% | 1,781 |
| Pretax return on assets | 1.6460% | 1,162 |
| Return on Equity (ROE) | 10.8503% | 1,846 |
| Retained earnings to average equity (ytd only) | 6.3921% | 2,195 |
| Net charge-offs to loans | 0.0539% | 5,109 |
| Credit loss provision to net charge-offs | 566.0377% | 548 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 551 |
| Efficiency ratio | 64.2172% | 5,199 |
| Assets per employee ($millions) | 3.6197% | 4,637 |
| Cash dividends to net income (ytd only)* | 41.0889% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5393% | 3,945 |
| Loan loss allowance to noncurrent loans | 63.3901% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 1.5593% | 3,853 |
| Noncurrent loans to loans | 2.4283% | 2,958 |
| Net loans and leases to total assets | 58.6948% | 4,514 |
| Net loans and leases to deposits | 66.1909% | 4,975 |
| Net loans and leases to core deposits | 69.1268% | 5,170 |
| Total domestic deposits to total assets | 88.6750% | 1,735 |
| Equity capital to assets | 10.8116% | 3,167 |
| Core capital (leverage) ratio | 10.2053% | 3,028 |
| Tier 1 risk-based capital ratio | 17.4027% | 2,375 |
| Total risk-based capital ratio | 18.6560% | 2,343 |
| Memoranda: | ||
| Average total assets | $337,059,670 | 1,935 |
| Average earning assets | $312,551,330 | 1,904 |
| Average equity | $35,888,330 | 1,867 |
| Average total loans | $196,834,670 | 2,113 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8461% | 3,843 |
| Cost of funding earning assets | 0.3866% | 7,247 |
| Net interest margin | 4.4595% | 1,153 |
| Noninterest income to average assets | 1.1148% | 1,052 |
| Noninterest expense to average assets | 3.3029% | 2,552 |
| Loan and lease loss provision to assets | 0.1779% | 3,841 |
| Net operating income to assets | 1.2334% | 1,447 |
| Return on assets (ROA) | 1.2334% | 1,498 |
| Pretax return on assets | 1.7517% | 894 |
| Return on Equity (ROE) | 11.6739% | 1,553 |
| Retained earnings to average equity (ytd only) | 11.6739% | 785 |
| Net charge-offs to loans | 0.0513% | 4,423 |
| Credit loss provision to net charge-offs | 600.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 65.0800% | 462 |
| Efficiency ratio | 62.0354% | 5,674 |
| Assets per employee ($millions) | 3.7001% | 4,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5161% | 4,130 |
| Loan loss allowance to noncurrent loans | 67.8482% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 1.3801% | 4,216 |
| Noncurrent loans to loans | 2.2345% | 3,277 |
| Net loans and leases to total assets | 56.0096% | 4,990 |
| Net loans and leases to deposits | 62.9778% | 5,388 |
| Net loans and leases to core deposits | 65.6455% | 5,551 |
| Total domestic deposits to total assets | 88.9355% | 1,809 |
| Equity capital to assets | 10.5246% | 3,154 |
| Core capital (leverage) ratio | 10.1800% | 2,946 |
| Tier 1 risk-based capital ratio | 17.5286% | 2,280 |
| Total risk-based capital ratio | 18.7549% | 2,259 |
| Memoranda: | ||
| Average total assets | $337,275,500 | 1,945 |
| Average earning assets | $311,424,500 | 1,918 |
| Average equity | $35,635,000 | 1,863 |
| Average total loans | $194,916,000 | 2,153 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3405% | 2,931 |
| Cost of funding earning assets | 0.5287% | 7,256 |
| Net interest margin | 4.8118% | 658 |
| Noninterest income to average assets | 1.0734% | 1,297 |
| Noninterest expense to average assets | 3.2133% | 3,039 |
| Loan and lease loss provision to assets | 0.1989% | 5,243 |
| Net operating income to assets | 1.4745% | 812 |
| Return on assets (ROA) | 1.4745% | 871 |
| Pretax return on assets | 2.1264% | 376 |
| Return on Equity (ROE) | 13.0608% | 1,073 |
| Retained earnings to average equity (ytd only) | -7.2258% | 6,470 |
| Net charge-offs to loans | 0.1182% | 5,702 |
| Credit loss provision to net charge-offs | 288.2096% | 940 |
| Earnings coverage of net charge-offs (x) | 33.6943% | 670 |
| Efficiency ratio | 56.9726% | 6,463 |
| Assets per employee ($millions) | 3.5531% | 4,819 |
| Cash dividends to net income (ytd only)* | 155.3239% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4640% | 4,218 |
| Loan loss allowance to noncurrent loans | 165.3287% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.5931% | 5,836 |
| Noncurrent loans to loans | 0.8855% | 5,290 |
| Net loans and leases to total assets | 57.8888% | 5,045 |
| Net loans and leases to deposits | 65.1186% | 5,505 |
| Net loans and leases to core deposits | 67.7727% | 5,686 |
| Total domestic deposits to total assets | 88.8976% | 1,714 |
| Equity capital to assets | 10.6082% | 3,057 |
| Core capital (leverage) ratio | 10.3513% | 2,716 |
| Tier 1 risk-based capital ratio | 17.2830% | 2,235 |
| Total risk-based capital ratio | 18.5355% | 2,202 |
| Memoranda: | ||
| Average total assets | $331,834,600 | 1,958 |
| Average earning assets | $307,932,200 | 1,936 |
| Average equity | $37,463,200 | 1,764 |
| Average total loans | $193,708,600 | 2,214 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3996% | 2,889 |
| Cost of funding earning assets | 0.5664% | 7,357 |
| Net interest margin | 4.8332% | 626 |
| Noninterest income to average assets | 1.0661% | 1,261 |
| Noninterest expense to average assets | 3.1949% | 2,944 |
| Loan and lease loss provision to assets | 0.2348% | 4,726 |
| Net operating income to assets | 1.4811% | 955 |
| Return on assets (ROA) | 1.4811% | 1,033 |
| Pretax return on assets | 2.1401% | 463 |
| Return on Equity (ROE) | 12.9248% | 1,272 |
| Retained earnings to average equity (ytd only) | -2.4869% | 6,281 |
| Net charge-offs to loans | 0.0517% | 6,008 |
| Credit loss provision to net charge-offs | 780.0000% | 380 |
| Earnings coverage of net charge-offs (x) | 78.8914% | 385 |
| Efficiency ratio | 56.3234% | 6,510 |
| Assets per employee ($millions) | 3.3779% | 5,261 |
| Cash dividends to net income (ytd only)* | 119.2411% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5119% | 3,910 |
| Loan loss allowance to noncurrent loans | 348.5680% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.3419% | 6,528 |
| Noncurrent loans to loans | 0.4337% | 6,327 |
| Net loans and leases to total assets | 59.2973% | 5,041 |
| Net loans and leases to deposits | 67.6859% | 5,466 |
| Net loans and leases to core deposits | 70.8978% | 5,654 |
| Total domestic deposits to total assets | 87.6067% | 2,207 |
| Equity capital to assets | 11.7530% | 2,320 |
| Core capital (leverage) ratio | 11.0173% | 2,248 |
| Tier 1 risk-based capital ratio | 18.4927% | 1,871 |
| Total risk-based capital ratio | 19.7460% | 1,839 |
| Memoranda: | ||
| Average total assets | $332,182,750 | 1,985 |
| Average earning assets | $309,547,500 | 1,952 |
| Average equity | $38,065,500 | 1,745 |
| Average total loans | $193,603,000 | 2,256 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3790% | 3,067 |
| Cost of funding earning assets | 0.6051% | 7,398 |
| Net interest margin | 4.7739% | 685 |
| Noninterest income to average assets | 1.0555% | 1,204 |
| Noninterest expense to average assets | 3.1190% | 3,220 |
| Loan and lease loss provision to assets | 0.3036% | 3,969 |
| Net operating income to assets | 1.4342% | 1,024 |
| Return on assets (ROA) | 1.4342% | 1,095 |
| Pretax return on assets | 2.0718% | 518 |
| Return on Equity (ROE) | 12.6184% | 1,325 |
| Retained earnings to average equity (ytd only) | -10.4289% | 6,934 |
| Net charge-offs to loans | 0.0454% | 5,749 |
| Credit loss provision to net charge-offs | 1,159.0909% | 333 |
| Earnings coverage of net charge-offs (x) | 90.6818% | 363 |
| Efficiency ratio | 55.7265% | 6,671 |
| Assets per employee ($millions) | 3.4237% | 5,110 |
| Cash dividends to net income (ytd only)* | 182.6484% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4847% | 3,999 |
| Loan loss allowance to noncurrent loans | 74.7273% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 1.2526% | 4,648 |
| Noncurrent loans to loans | 1.9868% | 3,734 |
| Net loans and leases to total assets | 58.0818% | 5,408 |
| Net loans and leases to deposits | 65.7512% | 5,835 |
| Net loans and leases to core deposits | 71.9300% | 5,679 |
| Total domestic deposits to total assets | 88.3358% | 1,810 |
| Equity capital to assets | 11.0682% | 2,792 |
| Core capital (leverage) ratio | 10.2692% | 2,872 |
| Tier 1 risk-based capital ratio | 16.9211% | 2,312 |
| Total risk-based capital ratio | 18.1092% | 2,287 |
| Memoranda: | ||
| Average total assets | $335,944,330 | 1,982 |
| Average earning assets | $312,363,000 | 1,953 |
| Average equity | $38,182,330 | 1,741 |
| Average total loans | $193,735,670 | 2,281 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3745% | 3,168 |
| Cost of funding earning assets | 0.6516% | 7,434 |
| Net interest margin | 4.7230% | 743 |
| Noninterest income to average assets | 1.0813% | 1,086 |
| Noninterest expense to average assets | 3.0061% | 3,659 |
| Loan and lease loss provision to assets | 0.3004% | 3,631 |
| Net operating income to assets | 1.4889% | 909 |
| Return on assets (ROA) | 1.4889% | 982 |
| Pretax return on assets | 2.1721% | 444 |
| Return on Equity (ROE) | 12.9361% | 1,266 |
| Retained earnings to average equity (ytd only) | 12.9361% | 629 |
| Net charge-offs to loans | -0.0041% | 6,803 |
| Credit loss provision to net charge-offs | -12,750.0000% | 6,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8379% | 6,988 |
| Assets per employee ($millions) | 3.7072% | 4,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3850% | 4,492 |
| Loan loss allowance to noncurrent loans | 66.7000% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 1.2294% | 4,719 |
| Noncurrent loans to loans | 2.0765% | 3,682 |
| Net loans and leases to total assets | 55.6978% | 5,793 |
| Net loans and leases to deposits | 63.5636% | 6,101 |
| Net loans and leases to core deposits | 63.5636% | 6,486 |
| Total domestic deposits to total assets | 87.6253% | 2,277 |
| Equity capital to assets | 11.6730% | 2,246 |
| Core capital (leverage) ratio | 10.9856% | 2,239 |
| Tier 1 risk-based capital ratio | 19.1715% | 1,678 |
| Total risk-based capital ratio | 20.5281% | 1,632 |
| Memoranda: | ||
| Average total assets | $339,581,000 | 2,021 |
| Average earning assets | $316,158,000 | 1,969 |
| Average equity | $39,084,500 | 1,720 |
| Average total loans | $193,716,000 | 2,334 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8426% | 2,475 |
| Cost of funding earning assets | 0.9965% | 7,215 |
| Net interest margin | 4.8461% | 628 |
| Noninterest income to average assets | 1.0823% | 1,319 |
| Noninterest expense to average assets | 3.1067% | 3,705 |
| Loan and lease loss provision to assets | 0.3554% | 4,673 |
| Net operating income to assets | 1.4599% | 735 |
| Return on assets (ROA) | 1.4599% | 796 |
| Pretax return on assets | 2.1563% | 308 |
| Return on Equity (ROE) | 12.9703% | 964 |
| Retained earnings to average equity (ytd only) | 6.6019% | 1,122 |
| Net charge-offs to loans | 0.2585% | 5,004 |
| Credit loss provision to net charge-offs | 235.1779% | 1,542 |
| Earnings coverage of net charge-offs (x) | 16.6206% | 1,244 |
| Efficiency ratio | 54.2739% | 7,203 |
| Assets per employee ($millions) | 3.6750% | 4,582 |
| Cash dividends to net income (ytd only)* | 49.0998% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 5,128 |
| Loan loss allowance to noncurrent loans | 274.2890% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.2890% | 6,726 |
| Noncurrent loans to loans | 0.4512% | 6,367 |
| Net loans and leases to total assets | 56.9029% | 5,836 |
| Net loans and leases to deposits | 64.6567% | 6,194 |
| Net loans and leases to core deposits | 80.3926% | 6,051 |
| Total domestic deposits to total assets | 88.0078% | 1,973 |
| Equity capital to assets | 11.3448% | 2,438 |
| Core capital (leverage) ratio | 10.8395% | 2,322 |
| Tier 1 risk-based capital ratio | 18.3016% | 1,815 |
| Total risk-based capital ratio | 19.5142% | 1,775 |
| Memoranda: | ||
| Average total assets | $334,827,400 | 2,027 |
| Average earning assets | $313,406,800 | 1,989 |
| Average equity | $37,686,200 | 1,778 |
| Average total loans | $195,777,400 | 2,335 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9490% | 2,233 |
| Cost of funding earning assets | 1.0742% | 7,235 |
| Net interest margin | 4.8748% | 589 |
| Noninterest income to average assets | 1.0658% | 1,395 |
| Noninterest expense to average assets | 3.1384% | 3,506 |
| Loan and lease loss provision to assets | 0.3094% | 4,495 |
| Net operating income to assets | 1.4766% | 860 |
| Return on assets (ROA) | 1.4766% | 922 |
| Pretax return on assets | 2.1851% | 367 |
| Return on Equity (ROE) | 13.1452% | 1,087 |
| Retained earnings to average equity (ytd only) | 10.3022% | 579 |
| Net charge-offs to loans | 0.1558% | 5,150 |
| Credit loss provision to net charge-offs | 338.4279% | 1,214 |
| Earnings coverage of net charge-offs (x) | 27.2878% | 997 |
| Efficiency ratio | 54.6949% | 7,161 |
| Assets per employee ($millions) | 3.6074% | 4,671 |
| Cash dividends to net income (ytd only)* | 21.6275% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1731% | 5,278 |
| Loan loss allowance to noncurrent loans | 424.0672% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 7,018 |
| Noncurrent loans to loans | 0.2766% | 6,820 |
| Net loans and leases to total assets | 57.6957% | 5,930 |
| Net loans and leases to deposits | 66.0159% | 6,308 |
| Net loans and leases to core deposits | 84.2831% | 6,021 |
| Total domestic deposits to total assets | 87.3967% | 1,949 |
| Equity capital to assets | 11.7943% | 2,358 |
| Core capital (leverage) ratio | 11.0427% | 2,376 |
| Tier 1 risk-based capital ratio | 18.5680% | 1,845 |
| Total risk-based capital ratio | 19.7164% | 1,820 |
| Memoranda: | ||
| Average total assets | $334,008,750 | 2,053 |
| Average earning assets | $312,919,250 | 2,013 |
| Average equity | $37,518,500 | 1,807 |
| Average total loans | $196,021,500 | 2,358 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0643% | 1,930 |
| Cost of funding earning assets | 1.1419% | 7,267 |
| Net interest margin | 4.9224% | 512 |
| Noninterest income to average assets | 1.0791% | 1,369 |
| Noninterest expense to average assets | 3.1250% | 3,598 |
| Loan and lease loss provision to assets | 0.3107% | 4,085 |
| Net operating income to assets | 1.5087% | 819 |
| Return on assets (ROA) | 1.5087% | 877 |
| Pretax return on assets | 2.2538% | 319 |
| Return on Equity (ROE) | 13.6571% | 1,046 |
| Retained earnings to average equity (ytd only) | 9.3301% | 850 |
| Net charge-offs to loans | 0.1392% | 4,778 |
| Credit loss provision to net charge-offs | 379.5620% | 1,225 |
| Earnings coverage of net charge-offs (x) | 31.3285% | 965 |
| Efficiency ratio | 53.9172% | 7,342 |
| Assets per employee ($millions) | 3.4683% | 4,900 |
| Cash dividends to net income (ytd only)* | 31.6832% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0693% | 5,788 |
| Loan loss allowance to noncurrent loans | 313.5215% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.3045% | 6,704 |
| Noncurrent loans to loans | 0.3411% | 6,659 |
| Net loans and leases to total assets | 58.6281% | 5,886 |
| Net loans and leases to deposits | 66.6009% | 6,339 |
| Net loans and leases to core deposits | 85.8650% | 5,918 |
| Total domestic deposits to total assets | 88.0289% | 1,755 |
| Equity capital to assets | 11.2518% | 2,714 |
| Core capital (leverage) ratio | 10.5556% | 2,762 |
| Tier 1 risk-based capital ratio | 17.7324% | 2,082 |
| Total risk-based capital ratio | 18.7854% | 2,096 |
| Memoranda: | ||
| Average total assets | $334,718,000 | 2,074 |
| Average earning assets | $313,507,000 | 2,034 |
| Average equity | $36,977,000 | 1,848 |
| Average total loans | $196,777,330 | 2,382 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1668% | 1,704 |
| Cost of funding earning assets | 1.1998% | 7,296 |
| Net interest margin | 4.9670% | 438 |
| Noninterest income to average assets | 1.0668% | 1,305 |
| Noninterest expense to average assets | 3.2956% | 2,667 |
| Loan and lease loss provision to assets | 0.2801% | 3,716 |
| Net operating income to assets | 1.4267% | 1,085 |
| Return on assets (ROA) | 1.4267% | 1,171 |
| Pretax return on assets | 2.1490% | 496 |
| Return on Equity (ROE) | 13.0344% | 1,379 |
| Retained earnings to average equity (ytd only) | 13.0344% | 635 |
| Net charge-offs to loans | 0.0244% | 5,206 |
| Credit loss provision to net charge-offs | 1,958.3333% | 329 |
| Earnings coverage of net charge-offs (x) | 169.8333% | 253 |
| Efficiency ratio | 56.5688% | 6,889 |
| Assets per employee ($millions) | 3.5651% | 4,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9803% | 6,306 |
| Loan loss allowance to noncurrent loans | 134.5756% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.5796% | 5,732 |
| Noncurrent loans to loans | 0.7284% | 5,603 |
| Net loans and leases to total assets | 58.1574% | 5,919 |
| Net loans and leases to deposits | 66.0865% | 6,369 |
| Net loans and leases to core deposits | 89.8841% | 5,563 |
| Total domestic deposits to total assets | 88.0019% | 1,747 |
| Equity capital to assets | 11.0524% | 2,922 |
| Core capital (leverage) ratio | 10.3802% | 3,045 |
| Tier 1 risk-based capital ratio | 16.8807% | 2,371 |
| Total risk-based capital ratio | 17.8224% | 2,419 |
| Memoranda: | ||
| Average total assets | $335,597,000 | 2,075 |
| Average earning assets | $314,718,000 | 2,034 |
| Average equity | $36,733,500 | 1,863 |
| Average total loans | $196,507,000 | 2,406 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5120% | 2,899 |
| Cost of funding earning assets | 1.7361% | 7,173 |
| Net interest margin | 4.7759% | 818 |
| Noninterest income to average assets | 1.1815% | 1,096 |
| Noninterest expense to average assets | 2.7558% | 5,024 |
| Loan and lease loss provision to assets | 0.2537% | 4,381 |
| Net operating income to assets | 1.7495% | 610 |
| Return on assets (ROA) | 1.7495% | 586 |
| Pretax return on assets | 2.6373% | 147 |
| Return on Equity (ROE) | 16.2705% | 734 |
| Retained earnings to average equity (ytd only) | 9.2887% | 557 |
| Net charge-offs to loans | 0.3016% | 3,388 |
| Credit loss provision to net charge-offs | 144.8214% | 3,647 |
| Earnings coverage of net charge-offs (x) | 16.5036% | 1,841 |
| Efficiency ratio | 47.7399% | 7,830 |
| Assets per employee ($millions) | 3.5753% | 4,486 |
| Cash dividends to net income (ytd only)* | 42.9108% | 3,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8898% | 6,733 |
| Loan loss allowance to noncurrent loans | 118.6126% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 0.5973% | 5,403 |
| Noncurrent loans to loans | 0.7502% | 5,153 |
| Net loans and leases to total assets | 57.8531% | 6,220 |
| Net loans and leases to deposits | 65.4154% | 6,683 |
| Net loans and leases to core deposits | 89.2686% | 5,868 |
| Total domestic deposits to total assets | 88.4396% | 1,278 |
| Equity capital to assets | 10.8371% | 3,176 |
| Core capital (leverage) ratio | 10.3321% | 3,139 |
| Tier 1 risk-based capital ratio | 16.7335% | 2,406 |
| Total risk-based capital ratio | 17.5908% | 2,481 |
| Memoranda: | ||
| Average total assets | $319,687,200 | 2,088 |
| Average earning assets | $298,895,800 | 2,047 |
| Average equity | $34,375,200 | 1,976 |
| Average total loans | $185,664,000 | 2,443 |