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 | 4.3547% | 3,351 |
| Cost of funding earning assets | 2.0463% | 857 |
| Net interest margin | 2.3084% | 4,253 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.1966% | 3,141 |
| Loan and lease loss provision to assets | -0.1700% | 4,551 |
| Net operating income to assets | 0.4643% | 3,742 |
| Return on assets (ROA) | 0.4643% | 3,741 |
| Pretax return on assets | 0.5137% | 3,781 |
| Return on Equity (ROE) | 5.2400% | 3,682 |
| Retained earnings to average equity (ytd only) | -2.9510% | 4,327 |
| Net charge-offs to loans | 0.0522% | 1,347 |
| Credit loss provision to net charge-offs | -672.6457% | 4,550 |
| Earnings coverage of net charge-offs (x) | 13.5740% | 2,104 |
| Efficiency ratio | 86.4782% | 537 |
| Assets per employee ($millions) | 4.9676% | 3,666 |
| Cash dividends to net income (ytd only)* | 156.3294% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 1,766 |
| Loan loss allowance to noncurrent loans | 104.9631% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 0.9277% | 540 |
| Noncurrent loans to loans | 1.2386% | 571 |
| Net loans and leases to total assets | 47.3100% | 3,765 |
| Net loans and leases to deposits | 55.0065% | 3,753 |
| Net loans and leases to core deposits | 62.4721% | 3,654 |
| Total domestic deposits to total assets | 86.0100% | 2,014 |
| Equity capital to assets | 8.8567% | 2,783 |
| Core capital (leverage) ratio | 11.8676% | 1,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $881,321,200 | 1,103 |
| Average earning assets | $775,733,000 | 1,139 |
| Average equity | $78,108,600 | 1,156 |
| Average total loans | $427,377,800 | 1,403 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3140% | 3,267 |
| Cost of funding earning assets | 1.9288% | 819 |
| Net interest margin | 2.3853% | 4,247 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 2.2786% | 2,859 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3640% | 4,020 |
| Return on assets (ROA) | 0.3640% | 4,025 |
| Pretax return on assets | 0.3660% | 4,100 |
| Return on Equity (ROE) | 4.1100% | 3,961 |
| Retained earnings to average equity (ytd only) | 0.1249% | 4,085 |
| Net charge-offs to loans | 0.0477% | 1,209 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 15.7778% | 1,950 |
| Efficiency ratio | 86.1598% | 509 |
| Assets per employee ($millions) | 4.8077% | 3,734 |
| Cash dividends to net income (ytd only)* | 96.9596% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6923% | 710 |
| Loan loss allowance to noncurrent loans | 137.2250% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.9736% | 544 |
| Noncurrent loans to loans | 1.2333% | 630 |
| Net loans and leases to total assets | 48.2700% | 3,725 |
| Net loans and leases to deposits | 53.0677% | 3,837 |
| Net loans and leases to core deposits | 60.0163% | 3,704 |
| Total domestic deposits to total assets | 90.9600% | 683 |
| Equity capital to assets | 8.4770% | 2,743 |
| Core capital (leverage) ratio | 12.2236% | 1,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $879,350,000 | 1,108 |
| Average earning assets | $773,396,500 | 1,139 |
| Average equity | $77,947,250 | 1,148 |
| Average total loans | $427,669,500 | 1,392 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2228% | 3,250 |
| Cost of funding earning assets | 1.7616% | 798 |
| Net interest margin | 2.4613% | 4,252 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.1925% | 3,100 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4330% | 3,937 |
| Return on assets (ROA) | 0.4330% | 3,945 |
| Pretax return on assets | 0.4461% | 4,050 |
| Return on Equity (ROE) | 4.8200% | 3,899 |
| Retained earnings to average equity (ytd only) | 0.4163% | 4,001 |
| Net charge-offs to loans | 0.0293% | 1,304 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 31.4127% | 1,524 |
| Efficiency ratio | 83.0927% | 651 |
| Assets per employee ($millions) | 4.9372% | 3,646 |
| Cash dividends to net income (ytd only)* | 91.3587% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6932% | 766 |
| Loan loss allowance to noncurrent loans | 143.1041% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.9407% | 514 |
| Noncurrent loans to loans | 1.1832% | 596 |
| Net loans and leases to total assets | 48.9500% | 3,629 |
| Net loans and leases to deposits | 54.1619% | 3,739 |
| Net loans and leases to core deposits | 60.7812% | 3,587 |
| Total domestic deposits to total assets | 90.3700% | 819 |
| Equity capital to assets | 9.1096% | 2,436 |
| Core capital (leverage) ratio | 11.6313% | 1,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $887,208,000 | 1,095 |
| Average earning assets | $782,932,667 | 1,125 |
| Average equity | $79,748,333 | 1,120 |
| Average total loans | $430,163,333 | 1,375 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1593% | 3,120 |
| Cost of funding earning assets | 1.6616% | 622 |
| Net interest margin | 2.4977% | 4,306 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.1444% | 3,268 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4099% | 4,075 |
| Return on assets (ROA) | 0.4099% | 4,021 |
| Pretax return on assets | 0.4178% | 4,107 |
| Return on Equity (ROE) | 4.5900% | 3,941 |
| Retained earnings to average equity (ytd only) | 1.7443% | 3,743 |
| Net charge-offs to loans | 0.0536% | 826 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 16.2759% | 1,521 |
| Efficiency ratio | 83.6932% | 608 |
| Assets per employee ($millions) | 5.2683% | 3,446 |
| Cash dividends to net income (ytd only)* | 61.9870% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6701% | 876 |
| Loan loss allowance to noncurrent loans | 121.6613% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 0.9644% | 436 |
| Noncurrent loans to loans | 1.3727% | 480 |
| Net loans and leases to total assets | 46.8200% | 3,724 |
| Net loans and leases to deposits | 52.0581% | 3,792 |
| Net loans and leases to core deposits | 57.3153% | 3,668 |
| Total domestic deposits to total assets | 89.9400% | 1,175 |
| Equity capital to assets | 9.1329% | 2,420 |
| Core capital (leverage) ratio | 11.1497% | 1,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $903,740,000 | 1,093 |
| Average earning assets | $791,771,000 | 1,124 |
| Average equity | $80,718,000 | 1,129 |
| Average total loans | $432,600,000 | 1,376 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5155% | 3,037 |
| Cost of funding earning assets | 0.4520% | 1,710 |
| Net interest margin | 3.0635% | 3,280 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.0691% | 3,387 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.7822% | 3,391 |
| Return on assets (ROA) | 0.7822% | 3,323 |
| Pretax return on assets | 0.9864% | 3,110 |
| Return on Equity (ROE) | 7.9000% | 3,412 |
| Retained earnings to average equity (ytd only) | 0.8268% | 4,230 |
| Net charge-offs to loans | 0.0183% | 1,734 |
| Credit loss provision to net charge-offs | 474.3590% | 704 |
| Earnings coverage of net charge-offs (x) | 120.2564% | 884 |
| Efficiency ratio | 66.8317% | 2,107 |
| Assets per employee ($millions) | 5.3020% | 3,420 |
| Cash dividends to net income (ytd only)* | 89.5311% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6750% | 831 |
| Loan loss allowance to noncurrent loans | 101.2402% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 1.1056% | 373 |
| Noncurrent loans to loans | 1.6545% | 381 |
| Net loans and leases to total assets | 47.3100% | 3,719 |
| Net loans and leases to deposits | 52.1166% | 3,795 |
| Net loans and leases to core deposits | 57.4086% | 3,648 |
| Total domestic deposits to total assets | 90.7900% | 1,026 |
| Equity capital to assets | 8.7291% | 2,547 |
| Core capital (leverage) ratio | 11.8435% | 1,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $913,445,400 | 1,062 |
| Average earning assets | $803,463,600 | 1,109 |
| Average equity | $90,464,000 | 1,029 |
| Average total loans | $425,794,600 | 1,324 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4020% | 2,916 |
| Cost of funding earning assets | 0.3385% | 1,789 |
| Net interest margin | 3.0635% | 3,042 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.0343% | 3,391 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.8064% | 3,235 |
| Return on assets (ROA) | 0.8064% | 3,196 |
| Pretax return on assets | 1.0163% | 2,970 |
| Return on Equity (ROE) | 7.9100% | 3,360 |
| Retained earnings to average equity (ytd only) | 4.5890% | 3,248 |
| Net charge-offs to loans | 0.0091% | 1,789 |
| Credit loss provision to net charge-offs | 1,189.6552% | 368 |
| Earnings coverage of net charge-offs (x) | 252.7931% | 533 |
| Efficiency ratio | 65.6048% | 2,332 |
| Assets per employee ($millions) | 5.2242% | 3,480 |
| Cash dividends to net income (ytd only)* | 41.9989% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6999% | 875 |
| Loan loss allowance to noncurrent loans | 113.2029% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 1.0185% | 440 |
| Noncurrent loans to loans | 1.5016% | 470 |
| Net loans and leases to total assets | 47.1800% | 3,690 |
| Net loans and leases to deposits | 52.0199% | 3,728 |
| Net loans and leases to core deposits | 57.0198% | 3,563 |
| Total domestic deposits to total assets | 90.6900% | 1,368 |
| Equity capital to assets | 8.8552% | 2,315 |
| Core capital (leverage) ratio | 11.7089% | 1,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $916,472,250 | 1,066 |
| Average earning assets | $804,987,000 | 1,111 |
| Average equity | $93,410,250 | 1,008 |
| Average total loans | $423,812,000 | 1,321 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2867% | 2,778 |
| Cost of funding earning assets | 0.2898% | 1,803 |
| Net interest margin | 2.9969% | 2,887 |
| Noninterest income to average assets | 0.4153% | 2,660 |
| Noninterest expense to average assets | 1.9767% | 3,496 |
| Loan and lease loss provision to assets | 0.0584% | 1,539 |
| Net operating income to assets | 0.8081% | 2,925 |
| Return on assets (ROA) | 0.8081% | 2,895 |
| Pretax return on assets | 1.0098% | 2,694 |
| Return on Equity (ROE) | 7.6066% | 3,134 |
| Retained earnings to average equity (ytd only) | 4.0315% | 3,071 |
| Net charge-offs to loans | 0.0147% | 1,472 |
| Credit loss provision to net charge-offs | 870.9677% | 450 |
| Earnings coverage of net charge-offs (x) | 159.2258% | 613 |
| Efficiency ratio | 64.9183% | 2,649 |
| Assets per employee ($millions) | 5.4977% | 3,230 |
| Cash dividends to net income (ytd only)* | 47.0005% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7187% | 932 |
| Loan loss allowance to noncurrent loans | 110.5642% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 1.0202% | 451 |
| Noncurrent loans to loans | 1.5545% | 473 |
| Net loans and leases to total assets | 45.1835% | 3,754 |
| Net loans and leases to deposits | 50.2952% | 3,800 |
| Net loans and leases to core deposits | 56.2450% | 3,547 |
| Total domestic deposits to total assets | 89.8366% | 1,778 |
| Equity capital to assets | 9.7673% | 1,842 |
| Core capital (leverage) ratio | 11.3510% | 1,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $924,183,667 | 1,057 |
| Average earning assets | $810,916,000 | 1,105 |
| Average equity | $98,178,000 | 971 |
| Average total loans | $422,168,333 | 1,323 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2505% | 2,531 |
| Cost of funding earning assets | 0.2943% | 1,704 |
| Net interest margin | 2.9562% | 2,649 |
| Noninterest income to average assets | 0.3764% | 2,832 |
| Noninterest expense to average assets | 1.9201% | 3,635 |
| Loan and lease loss provision to assets | 0.0839% | 984 |
| Net operating income to assets | 0.7592% | 2,816 |
| Return on assets (ROA) | 0.7592% | 2,810 |
| Pretax return on assets | 0.9471% | 2,606 |
| Return on Equity (ROE) | 6.8746% | 3,076 |
| Retained earnings to average equity (ytd only) | 4.6389% | 2,725 |
| Net charge-offs to loans | -0.0170% | 3,829 |
| Credit loss provision to net charge-offs | -1,083.3333% | 3,279 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0634% | 2,900 |
| Assets per employee ($millions) | 5.3234% | 3,469 |
| Cash dividends to net income (ytd only)* | 32.5212% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7147% | 1,026 |
| Loan loss allowance to noncurrent loans | 105.0746% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 1.0286% | 484 |
| Noncurrent loans to loans | 1.6319% | 487 |
| Net loans and leases to total assets | 44.2064% | 3,726 |
| Net loans and leases to deposits | 49.5680% | 3,767 |
| Net loans and leases to core deposits | 55.4197% | 3,497 |
| Total domestic deposits to total assets | 89.1834% | 1,986 |
| Equity capital to assets | 10.4727% | 1,600 |
| Core capital (leverage) ratio | 10.4788% | 1,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $929,962,500 | 1,055 |
| Average earning assets | $809,965,000 | 1,112 |
| Average equity | $102,697,500 | 971 |
| Average total loans | $423,469,000 | 1,316 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6472% | 2,258 |
| Cost of funding earning assets | 0.4743% | 1,037 |
| Net interest margin | 3.1729% | 2,678 |
| Noninterest income to average assets | 0.5538% | 2,344 |
| Noninterest expense to average assets | 2.1152% | 3,354 |
| Loan and lease loss provision to assets | 0.1437% | 829 |
| Net operating income to assets | 0.8184% | 3,276 |
| Return on assets (ROA) | 0.8184% | 3,347 |
| Pretax return on assets | 1.0453% | 3,136 |
| Return on Equity (ROE) | 6.6032% | 3,623 |
| Retained earnings to average equity (ytd only) | 0.8097% | 4,307 |
| Net charge-offs to loans | 0.0120% | 2,116 |
| Credit loss provision to net charge-offs | 2,370.3704% | 277 |
| Earnings coverage of net charge-offs (x) | 196.1667% | 553 |
| Efficiency ratio | 64.0159% | 2,562 |
| Assets per employee ($millions) | 5.3047% | 3,471 |
| Cash dividends to net income (ytd only)* | 87.7383% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6293% | 1,197 |
| Loan loss allowance to noncurrent loans | 110.4213% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 0.9881% | 570 |
| Noncurrent loans to loans | 1.4755% | 620 |
| Net loans and leases to total assets | 45.3455% | 3,739 |
| Net loans and leases to deposits | 51.5192% | 3,768 |
| Net loans and leases to core deposits | 57.4836% | 3,516 |
| Total domestic deposits to total assets | 88.0167% | 2,039 |
| Equity capital to assets | 11.6157% | 1,446 |
| Core capital (leverage) ratio | 10.8984% | 1,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $890,933,400 | 1,053 |
| Average earning assets | $772,300,800 | 1,124 |
| Average equity | $110,416,200 | 942 |
| Average total loans | $451,513,200 | 1,261 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7917% | 2,029 |
| Cost of funding earning assets | 0.5066% | 1,018 |
| Net interest margin | 3.2852% | 2,460 |
| Noninterest income to average assets | 0.6142% | 2,152 |
| Noninterest expense to average assets | 2.1030% | 3,353 |
| Loan and lease loss provision to assets | 0.1641% | 668 |
| Net operating income to assets | 0.9174% | 3,191 |
| Return on assets (ROA) | 0.9174% | 3,261 |
| Pretax return on assets | 1.1815% | 2,986 |
| Return on Equity (ROE) | 7.2822% | 3,592 |
| Retained earnings to average equity (ytd only) | 4.4875% | 3,409 |
| Net charge-offs to loans | -0.0117% | 3,734 |
| Credit loss provision to net charge-offs | -2,712.5000% | 4,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9815% | 2,837 |
| Assets per employee ($millions) | 5.3495% | 3,355 |
| Cash dividends to net income (ytd only)* | 38.3778% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5780% | 1,399 |
| Loan loss allowance to noncurrent loans | 112.0333% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 1.0056% | 654 |
| Noncurrent loans to loans | 1.4085% | 756 |
| Net loans and leases to total assets | 47.4042% | 3,683 |
| Net loans and leases to deposits | 54.4089% | 3,701 |
| Net loans and leases to core deposits | 60.6315% | 3,432 |
| Total domestic deposits to total assets | 87.1257% | 2,304 |
| Equity capital to assets | 12.4380% | 1,205 |
| Core capital (leverage) ratio | 11.3182% | 1,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $881,585,500 | 1,072 |
| Average earning assets | $760,615,500 | 1,146 |
| Average equity | $111,062,500 | 944 |
| Average total loans | $457,410,000 | 1,265 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6114% | 2,585 |
| Cost of funding earning assets | 0.5392% | 991 |
| Net interest margin | 3.0722% | 3,111 |
| Noninterest income to average assets | 0.7793% | 1,586 |
| Noninterest expense to average assets | 2.1764% | 3,168 |
| Loan and lease loss provision to assets | 0.2036% | 547 |
| Net operating income to assets | 0.8333% | 3,415 |
| Return on assets (ROA) | 0.8333% | 3,484 |
| Pretax return on assets | 1.0537% | 3,325 |
| Return on Equity (ROE) | 6.5859% | 3,758 |
| Retained earnings to average equity (ytd only) | 3.4123% | 3,712 |
| Net charge-offs to loans | -0.0327% | 4,193 |
| Credit loss provision to net charge-offs | -1,171.0526% | 3,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3838% | 2,510 |
| Assets per employee ($millions) | 5.2946% | 3,356 |
| Cash dividends to net income (ytd only)* | 48.1878% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4889% | 1,628 |
| Loan loss allowance to noncurrent loans | 104.6135% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 1.1235% | 636 |
| Noncurrent loans to loans | 1.4232% | 818 |
| Net loans and leases to total assets | 49.6321% | 3,591 |
| Net loans and leases to deposits | 56.9631% | 3,638 |
| Net loans and leases to core deposits | 63.2120% | 3,360 |
| Total domestic deposits to total assets | 87.1304% | 2,250 |
| Equity capital to assets | 12.4096% | 1,176 |
| Core capital (leverage) ratio | 11.2805% | 1,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $874,092,000 | 1,078 |
| Average earning assets | $755,227,333 | 1,147 |
| Average equity | $110,600,667 | 938 |
| Average total loans | $464,734,667 | 1,257 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6725% | 2,429 |
| Cost of funding earning assets | 0.5748% | 989 |
| Net interest margin | 3.0977% | 2,993 |
| Noninterest income to average assets | 0.3631% | 3,272 |
| Noninterest expense to average assets | 2.0733% | 3,501 |
| Loan and lease loss provision to assets | 0.2292% | 498 |
| Net operating income to assets | 0.6266% | 3,872 |
| Return on assets (ROA) | 0.6266% | 3,942 |
| Pretax return on assets | 0.7558% | 3,899 |
| Return on Equity (ROE) | 4.9030% | 4,109 |
| Retained earnings to average equity (ytd only) | 2.8229% | 3,834 |
| Net charge-offs to loans | 0.0695% | 857 |
| Credit loss provision to net charge-offs | 603.6585% | 548 |
| Earnings coverage of net charge-offs (x) | 25.9390% | 1,149 |
| Efficiency ratio | 67.7922% | 1,958 |
| Assets per employee ($millions) | 5.2912% | 3,347 |
| Cash dividends to net income (ytd only)* | 42.4242% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3132% | 2,384 |
| Loan loss allowance to noncurrent loans | 95.4884% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 1.1407% | 673 |
| Noncurrent loans to loans | 1.3752% | 920 |
| Net loans and leases to total assets | 51.7614% | 3,467 |
| Net loans and leases to deposits | 59.3580% | 3,536 |
| Net loans and leases to core deposits | 65.9249% | 3,246 |
| Total domestic deposits to total assets | 87.2021% | 2,226 |
| Equity capital to assets | 12.2965% | 1,150 |
| Core capital (leverage) ratio | 11.0774% | 1,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $863,746,500 | 1,081 |
| Average earning assets | $751,529,500 | 1,136 |
| Average equity | $110,381,500 | 930 |
| Average total loans | $471,696,000 | 1,242 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2383% | 2,034 |
| Cost of funding earning assets | 0.8846% | 899 |
| Net interest margin | 3.3537% | 2,917 |
| Noninterest income to average assets | 0.3668% | 3,278 |
| Noninterest expense to average assets | 2.0826% | 3,972 |
| Loan and lease loss provision to assets | 0.3075% | 1,216 |
| Net operating income to assets | 0.7883% | 3,141 |
| Return on assets (ROA) | 0.7883% | 3,260 |
| Pretax return on assets | 0.9812% | 3,101 |
| Return on Equity (ROE) | 5.9546% | 3,600 |
| Retained earnings to average equity (ytd only) | 0.1945% | 4,460 |
| Net charge-offs to loans | 0.2864% | 599 |
| Credit loss provision to net charge-offs | 177.9310% | 2,276 |
| Earnings coverage of net charge-offs (x) | 7.4559% | 2,694 |
| Efficiency ratio | 61.7743% | 3,179 |
| Assets per employee ($millions) | 4.6294% | 3,784 |
| Cash dividends to net income (ytd only)* | 96.7337% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2113% | 2,884 |
| Loan loss allowance to noncurrent loans | 85.5441% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 1.2450% | 677 |
| Noncurrent loans to loans | 1.4160% | 953 |
| Net loans and leases to total assets | 56.2392% | 3,276 |
| Net loans and leases to deposits | 65.5574% | 3,315 |
| Net loans and leases to core deposits | 73.5770% | 2,945 |
| Total domestic deposits to total assets | 85.7861% | 2,458 |
| Equity capital to assets | 13.2976% | 999 |
| Core capital (leverage) ratio | 11.6917% | 1,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $838,895,200 | 1,017 |
| Average earning assets | $751,549,800 | 1,045 |
| Average equity | $111,057,600 | 881 |
| Average total loans | $506,263,800 | 1,127 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1466% | 2,532 |
| Cost of funding earning assets | 0.9462% | 913 |
| Net interest margin | 3.2004% | 3,492 |
| Noninterest income to average assets | 0.3473% | 3,387 |
| Noninterest expense to average assets | 2.1005% | 3,943 |
| Loan and lease loss provision to assets | 0.2832% | 1,423 |
| Net operating income to assets | 0.6866% | 3,499 |
| Return on assets (ROA) | 0.6866% | 3,604 |
| Pretax return on assets | 0.8322% | 3,565 |
| Return on Equity (ROE) | 5.1918% | 3,830 |
| Retained earnings to average equity (ytd only) | 3.0861% | 3,487 |
| Net charge-offs to loans | 0.3251% | 481 |
| Credit loss provision to net charge-offs | 142.3445% | 2,369 |
| Earnings coverage of net charge-offs (x) | 5.6061% | 2,722 |
| Efficiency ratio | 65.3148% | 2,542 |
| Assets per employee ($millions) | 4.7881% | 3,502 |
| Cash dividends to net income (ytd only)* | 40.5593% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0308% | 3,561 |
| Loan loss allowance to noncurrent loans | 75.7504% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 1.2251% | 803 |
| Noncurrent loans to loans | 1.3607% | 1,076 |
| Net loans and leases to total assets | 57.3519% | 3,486 |
| Net loans and leases to deposits | 67.1025% | 3,540 |
| Net loans and leases to core deposits | 75.0797% | 3,237 |
| Total domestic deposits to total assets | 85.4691% | 2,259 |
| Equity capital to assets | 13.1717% | 1,114 |
| Core capital (leverage) ratio | 11.7517% | 1,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $840,298,000 | 1,006 |
| Average earning assets | $753,173,500 | 1,024 |
| Average equity | $111,120,250 | 877 |
| Average total loans | $514,235,250 | 1,103 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2603% | 2,578 |
| Cost of funding earning assets | 1.0220% | 922 |
| Net interest margin | 3.2383% | 3,560 |
| Noninterest income to average assets | 0.3025% | 3,656 |
| Noninterest expense to average assets | 2.0602% | 4,115 |
| Loan and lease loss provision to assets | 0.2377% | 1,775 |
| Net operating income to assets | 0.7274% | 3,291 |
| Return on assets (ROA) | 0.7274% | 3,399 |
| Pretax return on assets | 0.8952% | 3,322 |
| Return on Equity (ROE) | 5.4931% | 3,676 |
| Retained earnings to average equity (ytd only) | 2.3115% | 3,635 |
| Net charge-offs to loans | 0.4372% | 364 |
| Credit loss provision to net charge-offs | 87.2247% | 2,474 |
| Earnings coverage of net charge-offs (x) | 4.1577% | 2,621 |
| Efficiency ratio | 64.5215% | 2,746 |
| Assets per employee ($millions) | 4.8201% | 3,398 |
| Cash dividends to net income (ytd only)* | 57.9208% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8641% | 4,143 |
| Loan loss allowance to noncurrent loans | 60.6402% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 1.3378% | 757 |
| Noncurrent loans to loans | 1.4249% | 1,084 |
| Net loans and leases to total assets | 59.1236% | 3,419 |
| Net loans and leases to deposits | 69.3366% | 3,474 |
| Net loans and leases to core deposits | 77.5668% | 3,148 |
| Total domestic deposits to total assets | 85.2704% | 2,277 |
| Equity capital to assets | 12.9183% | 1,204 |
| Core capital (leverage) ratio | 11.5204% | 1,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $833,110,333 | 999 |
| Average earning assets | $743,658,667 | 1,022 |
| Average equity | $110,319,667 | 874 |
| Average total loans | $519,166,333 | 1,084 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4115% | 2,579 |
| Cost of funding earning assets | 1.1623% | 870 |
| Net interest margin | 3.2491% | 3,729 |
| Noninterest income to average assets | 0.3035% | 3,695 |
| Noninterest expense to average assets | 2.0950% | 4,226 |
| Loan and lease loss provision to assets | 0.0956% | 2,490 |
| Net operating income to assets | 0.8011% | 2,903 |
| Return on assets (ROA) | 0.8011% | 2,993 |
| Pretax return on assets | 0.9938% | 2,860 |
| Return on Equity (ROE) | 5.9723% | 3,329 |
| Retained earnings to average equity (ytd only) | 3.8743% | 2,725 |
| Net charge-offs to loans | 0.2438% | 591 |
| Credit loss provision to net charge-offs | 61.5142% | 2,014 |
| Earnings coverage of net charge-offs (x) | 7.0095% | 1,951 |
| Efficiency ratio | 65.7891% | 2,998 |
| Assets per employee ($millions) | 4.5674% | 3,175 |
| Cash dividends to net income (ytd only)* | 35.1285% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8768% | 4,200 |
| Loan loss allowance to noncurrent loans | 43.0955% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 1.4395% | 765 |
| Noncurrent loans to loans | 2.0346% | 694 |
| Net loans and leases to total assets | 61.7947% | 3,321 |
| Net loans and leases to deposits | 73.3269% | 3,332 |
| Net loans and leases to core deposits | 83.1067% | 2,927 |
| Total domestic deposits to total assets | 84.2729% | 2,684 |
| Equity capital to assets | 13.4628% | 1,233 |
| Core capital (leverage) ratio | 12.1363% | 1,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $815,855,500 | 990 |
| Average earning assets | $723,389,500 | 1,011 |
| Average equity | $109,438,500 | 874 |
| Average total loans | $520,030,000 | 1,061 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6318% | 2,515 |
| Cost of funding earning assets | 1.2530% | 881 |
| Net interest margin | 3.3788% | 3,801 |
| Noninterest income to average assets | 0.3952% | 3,325 |
| Noninterest expense to average assets | 2.1095% | 4,345 |
| Loan and lease loss provision to assets | 0.0957% | 2,126 |
| Net operating income to assets | 1.0158% | 2,794 |
| Return on assets (ROA) | 1.0173% | 2,876 |
| Pretax return on assets | 1.2203% | 2,769 |
| Return on Equity (ROE) | 7.7436% | 3,269 |
| Retained earnings to average equity (ytd only) | 1.7919% | 4,089 |
| Net charge-offs to loans | 0.1283% | 1,486 |
| Credit loss provision to net charge-offs | 112.7168% | 2,228 |
| Earnings coverage of net charge-offs (x) | 15.4812% | 2,228 |
| Efficiency ratio | 61.6159% | 3,434 |
| Assets per employee ($millions) | 4.4239% | 3,343 |
| Cash dividends to net income (ytd only)* | 76.8600% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8752% | 4,065 |
| Loan loss allowance to noncurrent loans | 49.1693% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 1.3377% | 810 |
| Noncurrent loans to loans | 1.7800% | 761 |
| Net loans and leases to total assets | 64.5910% | 3,121 |
| Net loans and leases to deposits | 78.6616% | 2,942 |
| Net loans and leases to core deposits | 90.9178% | 2,331 |
| Total domestic deposits to total assets | 82.1125% | 3,483 |
| Equity capital to assets | 13.3644% | 1,341 |
| Core capital (leverage) ratio | 12.1928% | 1,662 |
| Tier 1 risk-based capital ratio | 18.2137% | 1,710 |
| Total risk-based capital ratio | 19.0743% | 1,758 |
| Memoranda: | ||
| Average total assets | $815,214,000 | 959 |
| Average earning assets | $730,665,000 | 978 |
| Average equity | $107,094,800 | 851 |
| Average total loans | $539,172,800 | 1,001 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6267% | 2,638 |
| Cost of funding earning assets | 1.2785% | 841 |
| Net interest margin | 3.3482% | 3,993 |
| Noninterest income to average assets | 0.3625% | 3,551 |
| Noninterest expense to average assets | 2.1285% | 4,312 |
| Loan and lease loss provision to assets | 0.0955% | 2,006 |
| Net operating income to assets | 0.9444% | 3,189 |
| Return on assets (ROA) | 0.9465% | 3,256 |
| Pretax return on assets | 1.1408% | 3,165 |
| Return on Equity (ROE) | 7.2357% | 3,603 |
| Retained earnings to average equity (ytd only) | 4.3524% | 3,223 |
| Net charge-offs to loans | 0.1518% | 1,081 |
| Credit loss provision to net charge-offs | 94.8136% | 2,346 |
| Earnings coverage of net charge-offs (x) | 12.2479% | 2,370 |
| Efficiency ratio | 63.3048% | 3,110 |
| Assets per employee ($millions) | 4.5230% | 3,161 |
| Cash dividends to net income (ytd only)* | 39.8482% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8454% | 4,257 |
| Loan loss allowance to noncurrent loans | 104.9731% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.6920% | 1,965 |
| Noncurrent loans to loans | 0.8053% | 1,960 |
| Net loans and leases to total assets | 66.6224% | 2,972 |
| Net loans and leases to deposits | 81.3437% | 2,762 |
| Net loans and leases to core deposits | 94.5980% | 2,124 |
| Total domestic deposits to total assets | 81.9023% | 3,497 |
| Equity capital to assets | 13.8761% | 1,201 |
| Core capital (leverage) ratio | 12.6722% | 1,494 |
| Tier 1 risk-based capital ratio | 18.8400% | 1,599 |
| Total risk-based capital ratio | 19.6933% | 1,665 |
| Memoranda: | ||
| Average total assets | $816,623,500 | 958 |
| Average earning assets | $731,682,500 | 981 |
| Average equity | $106,819,750 | 851 |
| Average total loans | $542,083,500 | 995 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5510% | 2,843 |
| Cost of funding earning assets | 1.2486% | 871 |
| Net interest margin | 3.3024% | 4,137 |
| Noninterest income to average assets | 0.3537% | 3,572 |
| Noninterest expense to average assets | 2.1157% | 4,389 |
| Loan and lease loss provision to assets | 0.0945% | 1,963 |
| Net operating income to assets | 0.9131% | 3,232 |
| Return on assets (ROA) | 0.9137% | 3,293 |
| Pretax return on assets | 1.1033% | 3,223 |
| Return on Equity (ROE) | 7.1237% | 3,627 |
| Retained earnings to average equity (ytd only) | 3.8293% | 3,332 |
| Net charge-offs to loans | 0.1302% | 1,155 |
| Credit loss provision to net charge-offs | 109.8592% | 1,848 |
| Earnings coverage of net charge-offs (x) | 13.9099% | 2,067 |
| Efficiency ratio | 63.8639% | 3,155 |
| Assets per employee ($millions) | 4.6809% | 2,906 |
| Cash dividends to net income (ytd only)* | 46.2457% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8455% | 4,284 |
| Loan loss allowance to noncurrent loans | 92.1260% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 0.6739% | 2,029 |
| Noncurrent loans to loans | 0.9178% | 1,788 |
| Net loans and leases to total assets | 65.3220% | 3,189 |
| Net loans and leases to deposits | 78.9361% | 3,068 |
| Net loans and leases to core deposits | 93.3209% | 2,298 |
| Total domestic deposits to total assets | 82.7530% | 3,287 |
| Equity capital to assets | 13.2004% | 1,489 |
| Core capital (leverage) ratio | 12.0586% | 1,794 |
| Tier 1 risk-based capital ratio | 18.1838% | 1,754 |
| Total risk-based capital ratio | 19.0323% | 1,813 |
| Memoranda: | ||
| Average total assets | $824,990,670 | 945 |
| Average earning assets | $739,218,330 | 974 |
| Average equity | $105,815,670 | 852 |
| Average total loans | $545,502,330 | 993 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5203% | 2,798 |
| Cost of funding earning assets | 1.2437% | 785 |
| Net interest margin | 3.2766% | 4,216 |
| Noninterest income to average assets | 0.3464% | 3,544 |
| Noninterest expense to average assets | 2.0804% | 4,491 |
| Loan and lease loss provision to assets | 0.0942% | 1,847 |
| Net operating income to assets | 0.9206% | 3,161 |
| Return on assets (ROA) | 0.9194% | 3,198 |
| Pretax return on assets | 1.1093% | 3,119 |
| Return on Equity (ROE) | 7.2732% | 3,560 |
| Retained earnings to average equity (ytd only) | 5.1023% | 2,860 |
| Net charge-offs to loans | 0.2349% | 613 |
| Credit loss provision to net charge-offs | 60.5590% | 1,907 |
| Earnings coverage of net charge-offs (x) | 7.7453% | 2,115 |
| Efficiency ratio | 63.3235% | 3,343 |
| Assets per employee ($millions) | 4.6882% | 2,933 |
| Cash dividends to net income (ytd only)* | 29.8476% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8091% | 4,492 |
| Loan loss allowance to noncurrent loans | 95.7363% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 0.6584% | 2,121 |
| Noncurrent loans to loans | 0.8451% | 1,945 |
| Net loans and leases to total assets | 65.7639% | 3,088 |
| Net loans and leases to deposits | 79.5274% | 2,888 |
| Net loans and leases to core deposits | 93.2739% | 2,189 |
| Total domestic deposits to total assets | 82.6934% | 3,507 |
| Equity capital to assets | 12.9261% | 1,496 |
| Core capital (leverage) ratio | 11.9531% | 1,805 |
| Tier 1 risk-based capital ratio | 17.6341% | 1,902 |
| Total risk-based capital ratio | 18.4335% | 1,998 |
| Memoranda: | ||
| Average total assets | $827,910,500 | 951 |
| Average earning assets | $742,603,000 | 973 |
| Average equity | $104,658,000 | 852 |
| Average total loans | $548,429,000 | 991 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3866% | 2,811 |
| Cost of funding earning assets | 0.9041% | 1,070 |
| Net interest margin | 3.4825% | 3,760 |
| Noninterest income to average assets | 0.4101% | 3,380 |
| Noninterest expense to average assets | 2.0733% | 4,614 |
| Loan and lease loss provision to assets | 0.0474% | 3,237 |
| Net operating income to assets | 1.1573% | 2,350 |
| Return on assets (ROA) | 1.1538% | 2,371 |
| Pretax return on assets | 1.4299% | 2,033 |
| Return on Equity (ROE) | 9.4343% | 2,776 |
| Retained earnings to average equity (ytd only) | 3.1924% | 3,802 |
| Net charge-offs to loans | 0.0947% | 1,814 |
| Credit loss provision to net charge-offs | 75.2852% | 2,919 |
| Earnings coverage of net charge-offs (x) | 23.5190% | 1,846 |
| Efficiency ratio | 58.3215% | 4,113 |
| Assets per employee ($millions) | 4.7736% | 2,784 |
| Cash dividends to net income (ytd only)* | 66.1615% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8190% | 4,467 |
| Loan loss allowance to noncurrent loans | 71.4534% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 0.8330% | 1,674 |
| Noncurrent loans to loans | 1.1461% | 1,401 |
| Net loans and leases to total assets | 65.6438% | 3,178 |
| Net loans and leases to deposits | 85.1852% | 2,387 |
| Net loans and leases to core deposits | 99.6743% | 1,738 |
| Total domestic deposits to total assets | 77.0601% | 4,622 |
| Equity capital to assets | 12.3615% | 1,658 |
| Core capital (leverage) ratio | 11.5746% | 2,043 |
| Tier 1 risk-based capital ratio | 16.9502% | 2,086 |
| Total risk-based capital ratio | 17.7519% | 2,180 |
| Memoranda: | ||
| Average total assets | $834,946,400 | 913 |
| Average earning assets | $753,999,800 | 930 |
| Average equity | $102,116,600 | 835 |
| Average total loans | $555,375,200 | 951 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3551% | 2,773 |
| Cost of funding earning assets | 0.8411% | 1,146 |
| Net interest margin | 3.5141% | 3,644 |
| Noninterest income to average assets | 0.3841% | 3,576 |
| Noninterest expense to average assets | 2.1449% | 4,446 |
| Loan and lease loss provision to assets | 0.0474% | 3,039 |
| Net operating income to assets | 1.1084% | 2,627 |
| Return on assets (ROA) | 1.1036% | 2,662 |
| Pretax return on assets | 1.3615% | 2,374 |
| Return on Equity (ROE) | 9.0476% | 3,059 |
| Retained earnings to average equity (ytd only) | 6.0230% | 2,647 |
| Net charge-offs to loans | 0.1187% | 1,321 |
| Credit loss provision to net charge-offs | 60.0000% | 2,746 |
| Earnings coverage of net charge-offs (x) | 17.8971% | 2,087 |
| Efficiency ratio | 60.2539% | 3,783 |
| Assets per employee ($millions) | 4.5538% | 3,036 |
| Cash dividends to net income (ytd only)* | 33.4298% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7948% | 4,638 |
| Loan loss allowance to noncurrent loans | 94.4915% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 0.6706% | 2,188 |
| Noncurrent loans to loans | 0.8412% | 2,022 |
| Net loans and leases to total assets | 67.9136% | 2,957 |
| Net loans and leases to deposits | 88.6178% | 2,074 |
| Net loans and leases to core deposits | 103.8147% | 1,463 |
| Total domestic deposits to total assets | 76.6366% | 4,700 |
| Equity capital to assets | 12.5776% | 1,536 |
| Core capital (leverage) ratio | 11.9617% | 1,808 |
| Tier 1 risk-based capital ratio | 17.1375% | 2,049 |
| Total risk-based capital ratio | 17.9250% | 2,158 |
| Memoranda: | ||
| Average total assets | $834,838,500 | 908 |
| Average earning assets | $754,429,750 | 931 |
| Average equity | $101,829,500 | 836 |
| Average total loans | $555,993,500 | 950 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3063% | 2,740 |
| Cost of funding earning assets | 0.7546% | 1,351 |
| Net interest margin | 3.5516% | 3,467 |
| Noninterest income to average assets | 0.3731% | 3,660 |
| Noninterest expense to average assets | 2.1296% | 4,541 |
| Loan and lease loss provision to assets | 0.0471% | 2,963 |
| Net operating income to assets | 1.1353% | 2,457 |
| Return on assets (ROA) | 1.1423% | 2,433 |
| Pretax return on assets | 1.4102% | 2,108 |
| Return on Equity (ROE) | 9.4609% | 2,822 |
| Retained earnings to average equity (ytd only) | 6.0232% | 2,546 |
| Net charge-offs to loans | 0.1277% | 1,158 |
| Credit loss provision to net charge-offs | 55.9322% | 2,456 |
| Earnings coverage of net charge-offs (x) | 17.1864% | 1,964 |
| Efficiency ratio | 59.5129% | 4,008 |
| Assets per employee ($millions) | 4.5438% | 3,066 |
| Cash dividends to net income (ytd only)* | 36.3352% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8030% | 4,681 |
| Loan loss allowance to noncurrent loans | 135.3171% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.5453% | 2,594 |
| Noncurrent loans to loans | 0.5934% | 2,641 |
| Net loans and leases to total assets | 66.8843% | 3,029 |
| Net loans and leases to deposits | 87.5387% | 2,162 |
| Net loans and leases to core deposits | 99.3010% | 1,790 |
| Total domestic deposits to total assets | 76.4054% | 4,819 |
| Equity capital to assets | 12.2766% | 1,681 |
| Core capital (leverage) ratio | 11.6075% | 1,978 |
| Tier 1 risk-based capital ratio | 15.6441% | 2,571 |
| Total risk-based capital ratio | 16.3815% | 2,733 |
| Memoranda: | ||
| Average total assets | $839,892,000 | 905 |
| Average earning assets | $757,968,000 | 929 |
| Average equity | $101,407,330 | 842 |
| Average total loans | $554,280,330 | 954 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2419% | 2,738 |
| Cost of funding earning assets | 0.7188% | 1,350 |
| Net interest margin | 3.5231% | 3,447 |
| Noninterest income to average assets | 0.4175% | 3,333 |
| Noninterest expense to average assets | 2.0775% | 4,706 |
| Loan and lease loss provision to assets | 0.0469% | 2,828 |
| Net operating income to assets | 1.1885% | 2,060 |
| Return on assets (ROA) | 1.1885% | 2,071 |
| Pretax return on assets | 1.4705% | 1,763 |
| Return on Equity (ROE) | 9.9258% | 2,475 |
| Retained earnings to average equity (ytd only) | 7.6818% | 1,962 |
| Net charge-offs to loans | 0.1437% | 953 |
| Credit loss provision to net charge-offs | 50.0000% | 1,944 |
| Earnings coverage of net charge-offs (x) | 16.1717% | 1,635 |
| Efficiency ratio | 57.7907% | 4,371 |
| Assets per employee ($millions) | 4.6563% | 2,918 |
| Cash dividends to net income (ytd only)* | 22.6077% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8227% | 4,723 |
| Loan loss allowance to noncurrent loans | 186.3859% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.3935% | 3,263 |
| Noncurrent loans to loans | 0.4414% | 3,208 |
| Net loans and leases to total assets | 65.5711% | 3,106 |
| Net loans and leases to deposits | 84.4016% | 2,349 |
| Net loans and leases to core deposits | 95.0830% | 2,045 |
| Total domestic deposits to total assets | 77.6894% | 4,769 |
| Equity capital to assets | 12.0485% | 1,752 |
| Core capital (leverage) ratio | 11.3721% | 2,103 |
| Tier 1 risk-based capital ratio | 16.4379% | 2,297 |
| Total risk-based capital ratio | 17.2320% | 2,421 |
| Memoranda: | ||
| Average total assets | $844,079,000 | 907 |
| Average earning assets | $761,260,000 | 931 |
| Average equity | $101,070,000 | 846 |
| Average total loans | $551,092,000 | 963 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2113% | 2,647 |
| Cost of funding earning assets | 0.5776% | 1,764 |
| Net interest margin | 3.6336% | 3,052 |
| Noninterest income to average assets | 0.3792% | 3,765 |
| Noninterest expense to average assets | 2.0293% | 4,914 |
| Loan and lease loss provision to assets | 0.0537% | 3,161 |
| Net operating income to assets | 1.0666% | 1,984 |
| Return on assets (ROA) | 1.0666% | 2,010 |
| Pretax return on assets | 1.5802% | 1,346 |
| Return on Equity (ROE) | 8.7729% | 2,418 |
| Retained earnings to average equity (ytd only) | 2.6725% | 3,714 |
| Net charge-offs to loans | 0.1676% | 1,469 |
| Credit loss provision to net charge-offs | 50.6803% | 3,325 |
| Earnings coverage of net charge-offs (x) | 15.4116% | 2,249 |
| Efficiency ratio | 55.3962% | 4,823 |
| Assets per employee ($millions) | 4.7223% | 2,837 |
| Cash dividends to net income (ytd only)* | 69.5368% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8499% | 4,666 |
| Loan loss allowance to noncurrent loans | 173.9358% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.3828% | 3,332 |
| Noncurrent loans to loans | 0.4886% | 3,053 |
| Net loans and leases to total assets | 63.9268% | 3,375 |
| Net loans and leases to deposits | 84.9819% | 2,375 |
| Net loans and leases to core deposits | 95.2839% | 2,091 |
| Total domestic deposits to total assets | 75.2241% | 5,066 |
| Equity capital to assets | 11.9005% | 1,909 |
| Core capital (leverage) ratio | 11.0083% | 2,329 |
| Tier 1 risk-based capital ratio | 16.3661% | 2,312 |
| Total risk-based capital ratio | 17.1889% | 2,399 |
| Memoranda: | ||
| Average total assets | $831,910,800 | 896 |
| Average earning assets | $751,865,000 | 914 |
| Average equity | $101,141,000 | 816 |
| Average total loans | $526,274,400 | 978 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2056% | 2,592 |
| Cost of funding earning assets | 0.5608% | 1,805 |
| Net interest margin | 3.6447% | 2,978 |
| Noninterest income to average assets | 0.3819% | 3,800 |
| Noninterest expense to average assets | 2.1383% | 4,656 |
| Loan and lease loss provision to assets | 0.0561% | 2,969 |
| Net operating income to assets | 1.0405% | 2,370 |
| Return on assets (ROA) | 1.0405% | 2,407 |
| Pretax return on assets | 1.4832% | 1,830 |
| Return on Equity (ROE) | 8.5123% | 2,870 |
| Retained earnings to average equity (ytd only) | 5.5053% | 2,537 |
| Net charge-offs to loans | 0.1242% | 1,544 |
| Credit loss provision to net charge-offs | 71.7526% | 2,682 |
| Earnings coverage of net charge-offs (x) | 19.6949% | 1,985 |
| Efficiency ratio | 58.1438% | 4,484 |
| Assets per employee ($millions) | 4.5887% | 2,991 |
| Cash dividends to net income (ytd only)* | 35.3260% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9245% | 4,449 |
| Loan loss allowance to noncurrent loans | 350.9915% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.2368% | 4,110 |
| Noncurrent loans to loans | 0.2634% | 4,020 |
| Net loans and leases to total assets | 64.3008% | 3,348 |
| Net loans and leases to deposits | 83.6761% | 2,598 |
| Net loans and leases to core deposits | 96.6199% | 2,012 |
| Total domestic deposits to total assets | 76.8450% | 4,915 |
| Equity capital to assets | 12.5651% | 1,627 |
| Core capital (leverage) ratio | 11.4903% | 2,026 |
| Tier 1 risk-based capital ratio | 16.3478% | 2,365 |
| Total risk-based capital ratio | 17.2100% | 2,461 |
| Memoranda: | ||
| Average total assets | $827,383,500 | 905 |
| Average earning assets | $748,132,750 | 926 |
| Average equity | $101,137,000 | 811 |
| Average total loans | $520,830,750 | 989 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1607% | 2,628 |
| Cost of funding earning assets | 0.5350% | 1,878 |
| Net interest margin | 3.6258% | 2,929 |
| Noninterest income to average assets | 0.3749% | 3,876 |
| Noninterest expense to average assets | 2.1361% | 4,702 |
| Loan and lease loss provision to assets | 0.0602% | 2,760 |
| Net operating income to assets | 1.0214% | 2,326 |
| Return on assets (ROA) | 1.0214% | 2,372 |
| Pretax return on assets | 1.4500% | 1,820 |
| Return on Equity (ROE) | 8.4345% | 2,812 |
| Retained earnings to average equity (ytd only) | 5.0152% | 2,702 |
| Net charge-offs to loans | 0.1388% | 1,322 |
| Credit loss provision to net charge-offs | 69.5531% | 2,382 |
| Earnings coverage of net charge-offs (x) | 17.4609% | 1,922 |
| Efficiency ratio | 58.5834% | 4,520 |
| Assets per employee ($millions) | 4.6002% | 2,944 |
| Cash dividends to net income (ytd only)* | 40.5393% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9464% | 4,433 |
| Loan loss allowance to noncurrent loans | 382.1319% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.2203% | 4,276 |
| Noncurrent loans to loans | 0.2477% | 4,146 |
| Net loans and leases to total assets | 62.9823% | 3,514 |
| Net loans and leases to deposits | 81.0366% | 2,798 |
| Net loans and leases to core deposits | 92.3857% | 2,305 |
| Total domestic deposits to total assets | 77.7208% | 4,860 |
| Equity capital to assets | 12.3356% | 1,708 |
| Core capital (leverage) ratio | 11.2574% | 2,172 |
| Tier 1 risk-based capital ratio | 16.8639% | 2,188 |
| Total risk-based capital ratio | 17.7744% | 2,261 |
| Memoranda: | ||
| Average total assets | $827,854,000 | 912 |
| Average earning assets | $746,933,330 | 934 |
| Average equity | $100,254,670 | 821 |
| Average total loans | $515,753,330 | 992 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0926% | 2,680 |
| Cost of funding earning assets | 0.5044% | 2,050 |
| Net interest margin | 3.5882% | 2,930 |
| Noninterest income to average assets | 0.3658% | 3,915 |
| Noninterest expense to average assets | 2.1837% | 4,689 |
| Loan and lease loss provision to assets | 0.0725% | 2,356 |
| Net operating income to assets | 0.9549% | 2,503 |
| Return on assets (ROA) | 0.9549% | 2,562 |
| Pretax return on assets | 1.3444% | 2,080 |
| Return on Equity (ROE) | 7.9589% | 2,941 |
| Retained earnings to average equity (ytd only) | 5.6752% | 2,503 |
| Net charge-offs to loans | 0.2226% | 803 |
| Credit loss provision to net charge-offs | 52.8169% | 1,962 |
| Earnings coverage of net charge-offs (x) | 10.3239% | 1,944 |
| Efficiency ratio | 60.6496% | 4,378 |
| Assets per employee ($millions) | 4.6912% | 2,859 |
| Cash dividends to net income (ytd only)* | 28.6943% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9647% | 4,471 |
| Loan loss allowance to noncurrent loans | 326.6798% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.2513% | 4,201 |
| Noncurrent loans to loans | 0.2953% | 4,059 |
| Net loans and leases to total assets | 60.2864% | 3,757 |
| Net loans and leases to deposits | 77.4536% | 3,039 |
| Net loans and leases to core deposits | 87.6832% | 2,574 |
| Total domestic deposits to total assets | 77.8356% | 4,987 |
| Equity capital to assets | 11.8838% | 1,921 |
| Core capital (leverage) ratio | 10.9034% | 2,471 |
| Tier 1 risk-based capital ratio | 17.0993% | 2,151 |
| Total risk-based capital ratio | 18.0294% | 2,225 |
| Memoranda: | ||
| Average total assets | $827,760,500 | 917 |
| Average earning assets | $746,223,500 | 936 |
| Average equity | $99,310,000 | 829 |
| Average total loans | $510,379,000 | 996 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1227% | 2,761 |
| Cost of funding earning assets | 0.3875% | 3,131 |
| Net interest margin | 3.7352% | 2,555 |
| Noninterest income to average assets | 0.4028% | 3,864 |
| Noninterest expense to average assets | 2.0331% | 5,127 |
| Loan and lease loss provision to assets | 0.0504% | 3,381 |
| Net operating income to assets | 1.1982% | 1,521 |
| Return on assets (ROA) | 1.1982% | 1,604 |
| Pretax return on assets | 1.7120% | 970 |
| Return on Equity (ROE) | 9.5451% | 2,170 |
| Retained earnings to average equity (ytd only) | 3.5592% | 3,392 |
| Net charge-offs to loans | -0.0147% | 5,045 |
| Credit loss provision to net charge-offs | -579.7101% | 5,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5667% | 5,277 |
| Assets per employee ($millions) | 4.5061% | 3,102 |
| Cash dividends to net income (ytd only)* | 62.7115% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 4,291 |
| Loan loss allowance to noncurrent loans | 207.4542% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.3415% | 3,915 |
| Noncurrent loans to loans | 0.4845% | 3,418 |
| Net loans and leases to total assets | 61.8462% | 3,629 |
| Net loans and leases to deposits | 81.3622% | 2,747 |
| Net loans and leases to core deposits | 92.5251% | 2,248 |
| Total domestic deposits to total assets | 76.0134% | 5,235 |
| Equity capital to assets | 12.1158% | 1,735 |
| Core capital (leverage) ratio | 11.1900% | 2,176 |
| Tier 1 risk-based capital ratio | 17.2416% | 2,072 |
| Total risk-based capital ratio | 18.2189% | 2,120 |
| Memoranda: | ||
| Average total assets | $794,109,400 | 913 |
| Average earning assets | $721,277,400 | 921 |
| Average equity | $99,684,600 | 791 |
| Average total loans | $468,284,600 | 1,032 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1016% | 2,870 |
| Cost of funding earning assets | 0.3715% | 3,315 |
| Net interest margin | 3.7300% | 2,593 |
| Noninterest income to average assets | 0.4041% | 3,891 |
| Noninterest expense to average assets | 2.1347% | 4,925 |
| Loan and lease loss provision to assets | 0.0506% | 3,235 |
| Net operating income to assets | 1.1367% | 1,855 |
| Return on assets (ROA) | 1.1367% | 1,962 |
| Pretax return on assets | 1.6115% | 1,349 |
| Return on Equity (ROE) | 8.9750% | 2,503 |
| Retained earnings to average equity (ytd only) | 5.9736% | 2,198 |
| Net charge-offs to loans | 0.0683% | 2,351 |
| Credit loss provision to net charge-offs | 127.6596% | 1,996 |
| Earnings coverage of net charge-offs (x) | 41.9015% | 1,200 |
| Efficiency ratio | 56.2219% | 5,043 |
| Assets per employee ($millions) | 4.4918% | 3,101 |
| Cash dividends to net income (ytd only)* | 33.4422% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9495% | 4,667 |
| Loan loss allowance to noncurrent loans | 219.5225% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.3007% | 4,218 |
| Noncurrent loans to loans | 0.4325% | 3,734 |
| Net loans and leases to total assets | 60.5010% | 3,817 |
| Net loans and leases to deposits | 81.4003% | 2,809 |
| Net loans and leases to core deposits | 90.5766% | 2,520 |
| Total domestic deposits to total assets | 74.3253% | 5,402 |
| Equity capital to assets | 12.7433% | 1,626 |
| Core capital (leverage) ratio | 11.3547% | 2,154 |
| Tier 1 risk-based capital ratio | 17.5208% | 2,069 |
| Total risk-based capital ratio | 18.4258% | 2,130 |
| Memoranda: | ||
| Average total assets | $789,862,000 | 914 |
| Average earning assets | $718,441,000 | 926 |
| Average equity | $100,038,000 | 793 |
| Average total loans | $458,674,000 | 1,060 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0934% | 2,889 |
| Cost of funding earning assets | 0.3599% | 3,451 |
| Net interest margin | 3.7335% | 2,573 |
| Noninterest income to average assets | 0.4066% | 3,826 |
| Noninterest expense to average assets | 2.1637% | 4,921 |
| Loan and lease loss provision to assets | 0.0510% | 3,126 |
| Net operating income to assets | 1.1281% | 1,862 |
| Return on assets (ROA) | 1.1281% | 1,971 |
| Pretax return on assets | 1.5834% | 1,418 |
| Return on Equity (ROE) | 8.9257% | 2,528 |
| Retained earnings to average equity (ytd only) | 5.5210% | 2,408 |
| Net charge-offs to loans | 0.0819% | 2,032 |
| Credit loss provision to net charge-offs | 109.2896% | 1,974 |
| Earnings coverage of net charge-offs (x) | 34.9945% | 1,262 |
| Efficiency ratio | 56.9681% | 5,032 |
| Assets per employee ($millions) | 4.4646% | 3,095 |
| Cash dividends to net income (ytd only)* | 38.1448% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9935% | 4,572 |
| Loan loss allowance to noncurrent loans | 444.1148% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.1409% | 4,944 |
| Noncurrent loans to loans | 0.2237% | 4,540 |
| Net loans and leases to total assets | 58.1969% | 4,097 |
| Net loans and leases to deposits | 76.6681% | 3,308 |
| Net loans and leases to core deposits | 84.8525% | 3,001 |
| Total domestic deposits to total assets | 75.9076% | 5,300 |
| Equity capital to assets | 12.8370% | 1,591 |
| Core capital (leverage) ratio | 11.4633% | 2,021 |
| Tier 1 risk-based capital ratio | 17.8245% | 1,984 |
| Total risk-based capital ratio | 18.7538% | 2,032 |
| Memoranda: | ||
| Average total assets | $783,643,670 | 920 |
| Average earning assets | $711,878,000 | 936 |
| Average equity | $99,040,000 | 800 |
| Average total loans | $446,948,670 | 1,092 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1143% | 2,801 |
| Cost of funding earning assets | 0.3730% | 3,365 |
| Net interest margin | 3.7413% | 2,519 |
| Noninterest income to average assets | 0.3943% | 3,872 |
| Noninterest expense to average assets | 2.1791% | 4,953 |
| Loan and lease loss provision to assets | 0.0509% | 2,906 |
| Net operating income to assets | 1.1129% | 1,857 |
| Return on assets (ROA) | 1.1129% | 1,958 |
| Pretax return on assets | 1.5566% | 1,415 |
| Return on Equity (ROE) | 8.8773% | 2,482 |
| Retained earnings to average equity (ytd only) | 6.5524% | 2,108 |
| Net charge-offs to loans | 0.1154% | 1,426 |
| Credit loss provision to net charge-offs | 78.5714% | 1,848 |
| Earnings coverage of net charge-offs (x) | 24.8175% | 1,314 |
| Efficiency ratio | 57.5482% | 5,049 |
| Assets per employee ($millions) | 4.5780% | 2,937 |
| Cash dividends to net income (ytd only)* | 26.1894% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 4,336 |
| Loan loss allowance to noncurrent loans | 816.5187% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.0875% | 5,234 |
| Noncurrent loans to loans | 0.1286% | 4,959 |
| Net loans and leases to total assets | 55.6539% | 4,296 |
| Net loans and leases to deposits | 69.9775% | 3,861 |
| Net loans and leases to core deposits | 77.3490% | 3,564 |
| Total domestic deposits to total assets | 79.5310% | 4,852 |
| Equity capital to assets | 12.7259% | 1,543 |
| Core capital (leverage) ratio | 11.4107% | 2,041 |
| Tier 1 risk-based capital ratio | 18.2507% | 1,920 |
| Total risk-based capital ratio | 19.2054% | 1,962 |
| Memoranda: | ||
| Average total assets | $778,114,500 | 927 |
| Average earning assets | $705,538,500 | 944 |
| Average equity | $97,552,000 | 808 |
| Average total loans | $436,856,500 | 1,112 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2764% | 2,289 |
| Cost of funding earning assets | 0.4043% | 3,107 |
| Net interest margin | 3.8721% | 2,125 |
| Noninterest income to average assets | 0.4218% | 3,876 |
| Noninterest expense to average assets | 2.1463% | 5,158 |
| Loan and lease loss provision to assets | 0.0623% | 3,053 |
| Net operating income to assets | 1.2401% | 1,418 |
| Return on assets (ROA) | 1.2428% | 1,463 |
| Pretax return on assets | 1.7112% | 967 |
| Return on Equity (ROE) | 10.2670% | 1,893 |
| Retained earnings to average equity (ytd only) | 3.5185% | 3,557 |
| Net charge-offs to loans | -0.2387% | 5,981 |
| Credit loss provision to net charge-offs | -47.7941% | 5,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8067% | 5,462 |
| Assets per employee ($millions) | 4.6033% | 2,876 |
| Cash dividends to net income (ytd only)* | 65.7303% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0604% | 4,259 |
| Loan loss allowance to noncurrent loans | 459.5427% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 4,911 |
| Noncurrent loans to loans | 0.2307% | 4,597 |
| Net loans and leases to total assets | 55.4471% | 4,343 |
| Net loans and leases to deposits | 72.5421% | 3,663 |
| Net loans and leases to core deposits | 79.7647% | 3,375 |
| Total domestic deposits to total assets | 76.4344% | 5,396 |
| Equity capital to assets | 12.3480% | 1,706 |
| Core capital (leverage) ratio | 11.2157% | 2,196 |
| Tier 1 risk-based capital ratio | 17.8661% | 2,003 |
| Total risk-based capital ratio | 18.8223% | 2,054 |
| Memoranda: | ||
| Average total assets | $730,461,400 | 945 |
| Average earning assets | $659,199,400 | 968 |
| Average equity | $88,419,400 | 861 |
| Average total loans | $398,856,800 | 1,157 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3379% | 2,115 |
| Cost of funding earning assets | 0.4248% | 2,961 |
| Net interest margin | 3.9130% | 1,988 |
| Noninterest income to average assets | 0.4086% | 4,021 |
| Noninterest expense to average assets | 2.2006% | 5,050 |
| Loan and lease loss provision to assets | 0.0844% | 2,482 |
| Net operating income to assets | 1.2212% | 1,580 |
| Return on assets (ROA) | 1.2226% | 1,642 |
| Pretax return on assets | 1.6512% | 1,235 |
| Return on Equity (ROE) | 10.1552% | 2,047 |
| Retained earnings to average equity (ytd only) | 6.6828% | 1,846 |
| Net charge-offs to loans | -0.3299% | 6,103 |
| Credit loss provision to net charge-offs | -47.1992% | 4,960 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9328% | 5,362 |
| Assets per employee ($millions) | 4.5429% | 2,935 |
| Cash dividends to net income (ytd only)* | 34.1933% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0991% | 4,231 |
| Loan loss allowance to noncurrent loans | 499.5690% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 5,041 |
| Noncurrent loans to loans | 0.2200% | 4,778 |
| Net loans and leases to total assets | 54.3352% | 4,529 |
| Net loans and leases to deposits | 69.6756% | 4,024 |
| Net loans and leases to core deposits | 76.7900% | 3,712 |
| Total domestic deposits to total assets | 77.9830% | 5,185 |
| Equity capital to assets | 12.7833% | 1,574 |
| Core capital (leverage) ratio | 11.6372% | 1,930 |
| Tier 1 risk-based capital ratio | 29.8306% | 535 |
| Total risk-based capital ratio | 31.0845% | 526 |
| Memoranda: | ||
| Average total assets | $718,586,000 | 969 |
| Average earning assets | $647,459,500 | 989 |
| Average equity | $86,508,500 | 887 |
| Average total loans | $389,575,750 | 1,182 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4516% | 1,689 |
| Cost of funding earning assets | 0.4576% | 2,635 |
| Net interest margin | 3.9940% | 1,655 |
| Noninterest income to average assets | 0.3859% | 4,184 |
| Noninterest expense to average assets | 2.2441% | 4,991 |
| Loan and lease loss provision to assets | 0.1296% | 1,710 |
| Net operating income to assets | 1.2072% | 1,576 |
| Return on assets (ROA) | 1.2093% | 1,646 |
| Pretax return on assets | 1.5870% | 1,369 |
| Return on Equity (ROE) | 10.2771% | 1,942 |
| Retained earnings to average equity (ytd only) | 6.1963% | 2,118 |
| Net charge-offs to loans | -0.3410% | 6,145 |
| Credit loss provision to net charge-offs | -70.4334% | 4,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6998% | 5,365 |
| Assets per employee ($millions) | 4.4738% | 3,028 |
| Cash dividends to net income (ytd only)* | 39.7080% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0621% | 4,530 |
| Loan loss allowance to noncurrent loans | 318.7454% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.2345% | 4,941 |
| Noncurrent loans to loans | 0.3332% | 4,492 |
| Net loans and leases to total assets | 53.2142% | 4,638 |
| Net loans and leases to deposits | 67.4004% | 4,193 |
| Net loans and leases to core deposits | 74.3059% | 3,934 |
| Total domestic deposits to total assets | 78.9524% | 5,107 |
| Equity capital to assets | 12.5936% | 1,603 |
| Core capital (leverage) ratio | 11.5215% | 1,976 |
| Tier 1 risk-based capital ratio | 29.5642% | 564 |
| Total risk-based capital ratio | 30.8172% | 558 |
| Memoranda: | ||
| Average total assets | $702,200,000 | 996 |
| Average earning assets | $627,999,000 | 1,020 |
| Average equity | $82,630,330 | 931 |
| Average total loans | $378,837,330 | 1,216 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6570% | 1,111 |
| Cost of funding earning assets | 0.5219% | 2,091 |
| Net interest margin | 4.1351% | 1,195 |
| Noninterest income to average assets | 0.3850% | 4,122 |
| Noninterest expense to average assets | 2.2936% | 4,901 |
| Loan and lease loss provision to assets | 0.1362% | 1,516 |
| Net operating income to assets | 1.2730% | 1,352 |
| Return on assets (ROA) | 1.2730% | 1,434 |
| Pretax return on assets | 1.6207% | 1,217 |
| Return on Equity (ROE) | 11.2607% | 1,566 |
| Retained earnings to average equity (ytd only) | 8.2896% | 1,460 |
| Net charge-offs to loans | 0.0691% | 2,041 |
| Credit loss provision to net charge-offs | 365.0794% | 712 |
| Earnings coverage of net charge-offs (x) | 47.0794% | 875 |
| Efficiency ratio | 56.6247% | 5,472 |
| Assets per employee ($millions) | 4.7402% | 2,699 |
| Cash dividends to net income (ytd only)* | 26.3844% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8466% | 5,582 |
| Loan loss allowance to noncurrent loans | 131.0105% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.5679% | 3,779 |
| Noncurrent loans to loans | 0.6462% | 3,660 |
| Net loans and leases to total assets | 50.9794% | 4,748 |
| Net loans and leases to deposits | 64.0806% | 4,365 |
| Net loans and leases to core deposits | 70.5295% | 4,105 |
| Total domestic deposits to total assets | 79.5551% | 5,158 |
| Equity capital to assets | 12.4434% | 1,726 |
| Core capital (leverage) ratio | 11.1178% | 2,302 |
| Tier 1 risk-based capital ratio | 22.2915% | 1,199 |
| Total risk-based capital ratio | 23.1717% | 1,235 |
| Memoranda: | ||
| Average total assets | $675,260,000 | 1,035 |
| Average earning assets | $598,580,500 | 1,064 |
| Average equity | $76,336,500 | 1,004 |
| Average total loans | $364,925,500 | 1,256 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4701% | 1,987 |
| Cost of funding earning assets | 0.4883% | 2,793 |
| Net interest margin | 3.9818% | 1,950 |
| Noninterest income to average assets | 0.4366% | 3,922 |
| Noninterest expense to average assets | 2.4215% | 4,784 |
| Loan and lease loss provision to assets | 0.0929% | 2,611 |
| Net operating income to assets | 1.1173% | 1,917 |
| Return on assets (ROA) | 1.1364% | 1,900 |
| Pretax return on assets | 1.5405% | 1,413 |
| Return on Equity (ROE) | 11.2155% | 1,651 |
| Retained earnings to average equity (ytd only) | 5.9490% | 1,960 |
| Net charge-offs to loans | -0.0013% | 5,355 |
| Credit loss provision to net charge-offs | -12,500.0000% | 6,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1006% | 5,212 |
| Assets per employee ($millions) | 4.2142% | 3,512 |
| Cash dividends to net income (ytd only)* | 46.9578% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9744% | 5,180 |
| Loan loss allowance to noncurrent loans | 261.3323% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.3001% | 4,834 |
| Noncurrent loans to loans | 0.3729% | 4,532 |
| Net loans and leases to total assets | 57.0450% | 4,185 |
| Net loans and leases to deposits | 76.5516% | 3,135 |
| Net loans and leases to core deposits | 85.6184% | 2,723 |
| Total domestic deposits to total assets | 74.5183% | 5,903 |
| Equity capital to assets | 9.7603% | 4,405 |
| Core capital (leverage) ratio | 9.5301% | 4,198 |
| Tier 1 risk-based capital ratio | 15.4410% | 3,249 |
| Total risk-based capital ratio | 16.3508% | 3,384 |
| Memoranda: | ||
| Average total assets | $538,011,400 | 1,244 |
| Average earning assets | $485,407,000 | 1,266 |
| Average equity | $54,513,800 | 1,337 |
| Average total loans | $314,906,800 | 1,371 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4643% | 2,003 |
| Cost of funding earning assets | 0.5000% | 2,764 |
| Net interest margin | 3.9643% | 1,980 |
| Noninterest income to average assets | 0.4421% | 3,943 |
| Noninterest expense to average assets | 2.5107% | 4,494 |
| Loan and lease loss provision to assets | 0.0945% | 2,477 |
| Net operating income to assets | 1.0838% | 2,097 |
| Return on assets (ROA) | 1.0838% | 2,165 |
| Pretax return on assets | 1.4582% | 1,783 |
| Return on Equity (ROE) | 10.5911% | 1,950 |
| Retained earnings to average equity (ytd only) | 9.5275% | 828 |
| Net charge-offs to loans | -0.0146% | 5,528 |
| Credit loss provision to net charge-offs | -1,102.9412% | 5,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7893% | 4,915 |
| Assets per employee ($millions) | 3.9781% | 3,937 |
| Cash dividends to net income (ytd only)* | 10.0419% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9539% | 5,410 |
| Loan loss allowance to noncurrent loans | 325.2083% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.2830% | 5,136 |
| Noncurrent loans to loans | 0.2933% | 5,028 |
| Net loans and leases to total assets | 59.9182% | 3,803 |
| Net loans and leases to deposits | 83.4051% | 2,237 |
| Net loans and leases to core deposits | 94.5307% | 1,804 |
| Total domestic deposits to total assets | 71.8399% | 6,179 |
| Equity capital to assets | 10.4078% | 3,677 |
| Core capital (leverage) ratio | 10.3341% | 3,240 |
| Tier 1 risk-based capital ratio | 15.8095% | 3,152 |
| Total risk-based capital ratio | 16.7033% | 3,284 |
| Memoranda: | ||
| Average total assets | $529,233,000 | 1,274 |
| Average earning assets | $483,439,000 | 1,280 |
| Average equity | $54,157,500 | 1,356 |
| Average total loans | $311,094,500 | 1,398 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4852% | 1,881 |
| Cost of funding earning assets | 0.5117% | 2,711 |
| Net interest margin | 3.9735% | 1,893 |
| Noninterest income to average assets | 0.4405% | 3,938 |
| Noninterest expense to average assets | 2.5201% | 4,509 |
| Loan and lease loss provision to assets | 0.0952% | 2,440 |
| Net operating income to assets | 1.0828% | 1,998 |
| Return on assets (ROA) | 1.0828% | 2,064 |
| Pretax return on assets | 1.4533% | 1,703 |
| Return on Equity (ROE) | 10.6436% | 1,870 |
| Retained earnings to average equity (ytd only) | 10.6436% | 591 |
| Net charge-offs to loans | 0.0432% | 3,364 |
| Credit loss provision to net charge-offs | 378.7879% | 723 |
| Earnings coverage of net charge-offs (x) | 61.6212% | 790 |
| Efficiency ratio | 61.9409% | 5,019 |
| Assets per employee ($millions) | 3.9251% | 4,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9216% | 5,661 |
| Loan loss allowance to noncurrent loans | 917.0886% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.2705% | 5,280 |
| Noncurrent loans to loans | 0.1005% | 5,717 |
| Net loans and leases to total assets | 58.3611% | 3,941 |
| Net loans and leases to deposits | 76.6413% | 2,974 |
| Net loans and leases to core deposits | 86.4958% | 2,469 |
| Total domestic deposits to total assets | 76.1483% | 5,899 |
| Equity capital to assets | 10.4037% | 3,555 |
| Core capital (leverage) ratio | 10.2255% | 3,302 |
| Tier 1 risk-based capital ratio | 15.9440% | 3,119 |
| Total risk-based capital ratio | 16.7964% | 3,284 |
| Memoranda: | ||
| Average total assets | $525,301,330 | 1,277 |
| Average earning assets | $479,622,000 | 1,284 |
| Average equity | $53,440,330 | 1,362 |
| Average total loans | $305,694,000 | 1,410 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4753% | 1,883 |
| Cost of funding earning assets | 0.5285% | 2,622 |
| Net interest margin | 3.9468% | 1,939 |
| Noninterest income to average assets | 0.4384% | 3,881 |
| Noninterest expense to average assets | 2.5472% | 4,461 |
| Loan and lease loss provision to assets | 0.0960% | 2,324 |
| Net operating income to assets | 1.0479% | 2,017 |
| Return on assets (ROA) | 1.0479% | 2,086 |
| Pretax return on assets | 1.3957% | 1,759 |
| Return on Equity (ROE) | 10.4214% | 1,902 |
| Retained earnings to average equity (ytd only) | 10.4214% | 871 |
| Net charge-offs to loans | 0.0597% | 2,557 |
| Credit loss provision to net charge-offs | 277.7778% | 833 |
| Earnings coverage of net charge-offs (x) | 43.1778% | 838 |
| Efficiency ratio | 63.0679% | 4,995 |
| Assets per employee ($millions) | 3.9169% | 4,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9150% | 5,823 |
| Loan loss allowance to noncurrent loans | 353.0973% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.3296% | 5,161 |
| Noncurrent loans to loans | 0.2591% | 5,324 |
| Net loans and leases to total assets | 57.6231% | 3,910 |
| Net loans and leases to deposits | 71.6834% | 3,379 |
| Net loans and leases to core deposits | 80.4456% | 2,917 |
| Total domestic deposits to total assets | 80.3855% | 5,405 |
| Equity capital to assets | 10.1547% | 3,662 |
| Core capital (leverage) ratio | 9.9352% | 3,657 |
| Tier 1 risk-based capital ratio | 15.6944% | 3,338 |
| Total risk-based capital ratio | 16.5259% | 3,513 |
| Memoranda: | ||
| Average total assets | $521,042,000 | 1,292 |
| Average earning assets | $475,323,000 | 1,299 |
| Average equity | $52,392,000 | 1,380 |
| Average total loans | $301,320,500 | 1,433 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5401% | 2,060 |
| Cost of funding earning assets | 0.6499% | 2,203 |
| Net interest margin | 3.8903% | 2,321 |
| Noninterest income to average assets | 0.6615% | 2,750 |
| Noninterest expense to average assets | 2.6781% | 4,174 |
| Loan and lease loss provision to assets | 0.0945% | 3,233 |
| Net operating income to assets | 1.0728% | 2,023 |
| Return on assets (ROA) | 1.0836% | 2,062 |
| Pretax return on assets | 1.4496% | 1,617 |
| Return on Equity (ROE) | 10.5238% | 1,919 |
| Retained earnings to average equity (ytd only) | 5.0344% | 2,570 |
| Net charge-offs to loans | 0.2295% | 2,626 |
| Credit loss provision to net charge-offs | 74.4186% | 3,185 |
| Earnings coverage of net charge-offs (x) | 12.0465% | 2,174 |
| Efficiency ratio | 63.6457% | 4,967 |
| Assets per employee ($millions) | 3.7210% | 4,432 |
| Cash dividends to net income (ytd only)* | 52.1621% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9122% | 5,886 |
| Loan loss allowance to noncurrent loans | 365.6334% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.3440% | 5,241 |
| Noncurrent loans to loans | 0.2495% | 5,437 |
| Net loans and leases to total assets | 56.9762% | 4,194 |
| Net loans and leases to deposits | 72.5335% | 3,452 |
| Net loans and leases to core deposits | 81.7756% | 2,924 |
| Total domestic deposits to total assets | 78.5516% | 5,730 |
| Equity capital to assets | 9.9543% | 3,833 |
| Core capital (leverage) ratio | 10.0200% | 3,534 |
| Tier 1 risk-based capital ratio | 15.5466% | 3,343 |
| Total risk-based capital ratio | 16.3679% | 3,545 |
| Memoranda: | ||
| Average total assets | $507,937,000 | 1,308 |
| Average earning assets | $463,029,200 | 1,314 |
| Average equity | $52,300,600 | 1,356 |
| Average total loans | $281,012,000 | 1,504 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5316% | 2,114 |
| Cost of funding earning assets | 0.6831% | 2,075 |
| Net interest margin | 3.8485% | 2,469 |
| Noninterest income to average assets | 0.4971% | 3,825 |
| Noninterest expense to average assets | 2.5708% | 4,489 |
| Loan and lease loss provision to assets | 0.1028% | 3,051 |
| Net operating income to assets | 1.0098% | 2,339 |
| Return on assets (ROA) | 1.0242% | 2,364 |
| Pretax return on assets | 1.3578% | 2,082 |
| Return on Equity (ROE) | 9.8631% | 2,239 |
| Retained earnings to average equity (ytd only) | 8.7661% | 1,132 |
| Net charge-offs to loans | 0.2287% | 2,436 |
| Credit loss provision to net charge-offs | 82.1053% | 2,792 |
| Earnings coverage of net charge-offs (x) | 11.5073% | 2,237 |
| Efficiency ratio | 64.0749% | 4,785 |
| Assets per employee ($millions) | 3.6694% | 4,508 |
| Cash dividends to net income (ytd only)* | 11.1226% | 3,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9681% | 5,852 |
| Loan loss allowance to noncurrent loans | 990.7801% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.4358% | 5,125 |
| Noncurrent loans to loans | 0.0977% | 6,042 |
| Net loans and leases to total assets | 56.0362% | 4,319 |
| Net loans and leases to deposits | 71.1617% | 3,618 |
| Net loans and leases to core deposits | 80.7986% | 3,031 |
| Total domestic deposits to total assets | 78.7449% | 5,795 |
| Equity capital to assets | 10.3558% | 3,442 |
| Core capital (leverage) ratio | 10.2580% | 3,307 |
| Tier 1 risk-based capital ratio | 16.0821% | 3,145 |
| Total risk-based capital ratio | 16.9433% | 3,311 |
| Memoranda: | ||
| Average total assets | $505,615,500 | 1,323 |
| Average earning assets | $461,807,750 | 1,322 |
| Average equity | $52,504,250 | 1,365 |
| Average total loans | $276,913,250 | 1,524 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5191% | 2,124 |
| Cost of funding earning assets | 0.7355% | 1,802 |
| Net interest margin | 3.7836% | 2,619 |
| Noninterest income to average assets | 0.5014% | 3,823 |
| Noninterest expense to average assets | 2.5576% | 4,536 |
| Loan and lease loss provision to assets | 0.1190% | 2,835 |
| Net operating income to assets | 0.9718% | 2,457 |
| Return on assets (ROA) | 0.9676% | 2,625 |
| Pretax return on assets | 1.2762% | 2,381 |
| Return on Equity (ROE) | 9.3093% | 2,487 |
| Retained earnings to average equity (ytd only) | 9.3093% | 1,025 |
| Net charge-offs to loans | 0.2615% | 2,158 |
| Credit loss provision to net charge-offs | 84.0336% | 2,552 |
| Earnings coverage of net charge-offs (x) | 9.8908% | 2,221 |
| Efficiency ratio | 64.6121% | 4,774 |
| Assets per employee ($millions) | 3.6538% | 4,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 5,760 |
| Loan loss allowance to noncurrent loans | 447.7778% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.4141% | 5,243 |
| Noncurrent loans to loans | 0.2267% | 5,740 |
| Net loans and leases to total assets | 54.1562% | 4,568 |
| Net loans and leases to deposits | 66.1238% | 4,253 |
| Net loans and leases to core deposits | 74.6400% | 3,709 |
| Total domestic deposits to total assets | 81.9011% | 5,089 |
| Equity capital to assets | 10.2010% | 3,659 |
| Core capital (leverage) ratio | 10.0463% | 3,449 |
| Tier 1 risk-based capital ratio | 15.9686% | 3,214 |
| Total risk-based capital ratio | 16.8491% | 3,378 |
| Memoranda: | ||
| Average total assets | $504,140,000 | 1,326 |
| Average earning assets | $460,623,330 | 1,321 |
| Average equity | $52,399,330 | 1,371 |
| Average total loans | $273,017,000 | 1,542 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4675% | 2,284 |
| Cost of funding earning assets | 0.7548% | 1,808 |
| Net interest margin | 3.7127% | 2,802 |
| Noninterest income to average assets | 0.5463% | 3,468 |
| Noninterest expense to average assets | 2.5484% | 4,575 |
| Loan and lease loss provision to assets | 0.1195% | 2,733 |
| Net operating income to assets | 0.9588% | 2,407 |
| Return on assets (ROA) | 0.9588% | 2,539 |
| Pretax return on assets | 1.2710% | 2,335 |
| Return on Equity (ROE) | 9.1395% | 2,420 |
| Retained earnings to average equity (ytd only) | 9.1395% | 1,340 |
| Net charge-offs to loans | 0.0266% | 3,660 |
| Credit loss provision to net charge-offs | 833.3333% | 359 |
| Earnings coverage of net charge-offs (x) | 97.0000% | 389 |
| Efficiency ratio | 64.6987% | 4,885 |
| Assets per employee ($millions) | 3.6876% | 4,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0959% | 5,625 |
| Loan loss allowance to noncurrent loans | 354.5347% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.4887% | 5,158 |
| Noncurrent loans to loans | 0.3091% | 5,626 |
| Net loans and leases to total assets | 52.9979% | 4,561 |
| Net loans and leases to deposits | 63.0160% | 4,420 |
| Net loans and leases to core deposits | 70.5288% | 4,005 |
| Total domestic deposits to total assets | 84.1023% | 4,428 |
| Equity capital to assets | 10.3664% | 3,713 |
| Core capital (leverage) ratio | 9.7496% | 3,729 |
| Tier 1 risk-based capital ratio | 15.8055% | 3,371 |
| Total risk-based capital ratio | 16.7584% | 3,482 |
| Memoranda: | ||
| Average total assets | $502,268,500 | 1,344 |
| Average earning assets | $458,959,000 | 1,336 |
| Average equity | $52,694,500 | 1,376 |
| Average total loans | $270,590,000 | 1,565 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7622% | 2,352 |
| Cost of funding earning assets | 0.8976% | 1,949 |
| Net interest margin | 3.8646% | 2,971 |
| Noninterest income to average assets | 0.4666% | 4,128 |
| Noninterest expense to average assets | 2.5480% | 4,934 |
| Loan and lease loss provision to assets | 0.1457% | 3,780 |
| Net operating income to assets | 0.9994% | 2,337 |
| Return on assets (ROA) | 1.0355% | 2,390 |
| Pretax return on assets | 1.3476% | 2,221 |
| Return on Equity (ROE) | 9.7262% | 2,295 |
| Retained earnings to average equity (ytd only) | 4.1857% | 3,281 |
| Net charge-offs to loans | 0.4831% | 2,305 |
| Credit loss provision to net charge-offs | 57.7362% | 4,507 |
| Earnings coverage of net charge-offs (x) | 5.7329% | 2,965 |
| Efficiency ratio | 63.7897% | 4,928 |
| Assets per employee ($millions) | 3.5649% | 4,864 |
| Cash dividends to net income (ytd only)* | 56.9643% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 5,630 |
| Loan loss allowance to noncurrent loans | 231.5366% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.5929% | 4,996 |
| Noncurrent loans to loans | 0.4664% | 5,357 |
| Net loans and leases to total assets | 53.5891% | 4,676 |
| Net loans and leases to deposits | 67.3578% | 4,071 |
| Net loans and leases to core deposits | 76.5190% | 3,463 |
| Total domestic deposits to total assets | 79.5589% | 5,770 |
| Equity capital to assets | 10.6214% | 3,377 |
| Core capital (leverage) ratio | 10.0024% | 3,393 |
| Tier 1 risk-based capital ratio | 15.7658% | 3,284 |
| Total risk-based capital ratio | 16.6971% | 3,424 |
| Memoranda: | ||
| Average total assets | $486,729,200 | 1,367 |
| Average earning assets | $444,313,600 | 1,361 |
| Average equity | $51,818,800 | 1,372 |
| Average total loans | $254,207,000 | 1,622 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7989% | 2,395 |
| Cost of funding earning assets | 0.9303% | 1,977 |
| Net interest margin | 3.8687% | 3,033 |
| Noninterest income to average assets | 0.4705% | 4,131 |
| Noninterest expense to average assets | 2.5745% | 4,827 |
| Loan and lease loss provision to assets | 0.1524% | 3,627 |
| Net operating income to assets | 0.9767% | 2,627 |
| Return on assets (ROA) | 1.0053% | 2,705 |
| Pretax return on assets | 1.3091% | 2,565 |
| Return on Equity (ROE) | 9.4370% | 2,620 |
| Retained earnings to average equity (ytd only) | 8.3231% | 1,484 |
| Net charge-offs to loans | 0.6902% | 1,595 |
| Credit loss provision to net charge-offs | 42.6923% | 4,559 |
| Earnings coverage of net charge-offs (x) | 3.9892% | 3,436 |
| Efficiency ratio | 64.3794% | 4,746 |
| Assets per employee ($millions) | 3.6277% | 4,704 |
| Cash dividends to net income (ytd only)* | 11.8034% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0232% | 5,996 |
| Loan loss allowance to noncurrent loans | 529.3413% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.5008% | 5,416 |
| Noncurrent loans to loans | 0.1933% | 6,126 |
| Net loans and leases to total assets | 51.9951% | 5,046 |
| Net loans and leases to deposits | 65.4036% | 4,549 |
| Net loans and leases to core deposits | 74.1971% | 3,956 |
| Total domestic deposits to total assets | 79.4988% | 5,768 |
| Equity capital to assets | 10.8793% | 3,405 |
| Core capital (leverage) ratio | 10.1154% | 3,386 |
| Tier 1 risk-based capital ratio | 16.3850% | 3,075 |
| Total risk-based capital ratio | 17.2578% | 3,224 |
| Memoranda: | ||
| Average total assets | $485,421,500 | 1,389 |
| Average earning assets | $442,727,000 | 1,384 |
| Average equity | $51,710,250 | 1,381 |
| Average total loans | $251,130,000 | 1,657 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8199% | 2,428 |
| Cost of funding earning assets | 0.9530% | 2,041 |
| Net interest margin | 3.8670% | 3,057 |
| Noninterest income to average assets | 0.4706% | 4,127 |
| Noninterest expense to average assets | 2.6078% | 4,749 |
| Loan and lease loss provision to assets | 0.1678% | 3,430 |
| Net operating income to assets | 0.9764% | 2,565 |
| Return on assets (ROA) | 0.9764% | 2,802 |
| Pretax return on assets | 1.2167% | 2,850 |
| Return on Equity (ROE) | 9.2331% | 2,697 |
| Retained earnings to average equity (ytd only) | 9.2331% | 1,200 |
| Net charge-offs to loans | 0.7776% | 1,414 |
| Credit loss provision to net charge-offs | 41.9255% | 4,220 |
| Earnings coverage of net charge-offs (x) | 3.4596% | 3,365 |
| Efficiency ratio | 65.3212% | 4,667 |
| Assets per employee ($millions) | 3.7239% | 4,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1181% | 5,707 |
| Loan loss allowance to noncurrent loans | 122.5583% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.8740% | 4,623 |
| Noncurrent loans to loans | 0.9123% | 4,674 |
| Net loans and leases to total assets | 50.2619% | 5,323 |
| Net loans and leases to deposits | 61.1288% | 5,112 |
| Net loans and leases to core deposits | 69.1781% | 4,641 |
| Total domestic deposits to total assets | 82.2230% | 5,048 |
| Equity capital to assets | 10.5261% | 3,657 |
| Core capital (leverage) ratio | 10.1448% | 3,207 |
| Tier 1 risk-based capital ratio | 16.0966% | 3,125 |
| Total risk-based capital ratio | 17.0299% | 3,261 |
| Memoranda: | ||
| Average total assets | $482,773,330 | 1,394 |
| Average earning assets | $439,674,330 | 1,395 |
| Average equity | $51,055,330 | 1,392 |
| Average total loans | $248,447,330 | 1,671 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8709% | 2,351 |
| Cost of funding earning assets | 1.0185% | 1,874 |
| Net interest margin | 3.8524% | 3,131 |
| Noninterest income to average assets | 0.4803% | 4,059 |
| Noninterest expense to average assets | 2.5728% | 4,912 |
| Loan and lease loss provision to assets | 0.2149% | 2,802 |
| Net operating income to assets | 0.9582% | 2,649 |
| Return on assets (ROA) | 0.9582% | 2,853 |
| Pretax return on assets | 1.1798% | 2,987 |
| Return on Equity (ROE) | 9.0381% | 2,808 |
| Retained earnings to average equity (ytd only) | 9.0381% | 1,578 |
| Net charge-offs to loans | 0.6882% | 1,447 |
| Credit loss provision to net charge-offs | 60.2837% | 3,105 |
| Earnings coverage of net charge-offs (x) | 3.9125% | 2,713 |
| Efficiency ratio | 64.8471% | 4,769 |
| Assets per employee ($millions) | 3.4601% | 5,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3163% | 4,948 |
| Loan loss allowance to noncurrent loans | 113.5772% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 1.0497% | 4,395 |
| Noncurrent loans to loans | 1.1589% | 4,389 |
| Net loans and leases to total assets | 49.9756% | 5,310 |
| Net loans and leases to deposits | 59.7239% | 5,185 |
| Net loans and leases to core deposits | 67.3696% | 4,749 |
| Total domestic deposits to total assets | 83.6777% | 4,644 |
| Equity capital to assets | 10.5134% | 3,474 |
| Core capital (leverage) ratio | 9.8489% | 3,574 |
| Tier 1 risk-based capital ratio | 16.2840% | 3,027 |
| Total risk-based capital ratio | 17.3865% | 3,070 |
| Memoranda: | ||
| Average total assets | $474,661,000 | 1,412 |
| Average earning assets | $429,650,500 | 1,429 |
| Average equity | $50,320,500 | 1,405 |
| Average total loans | $245,850,000 | 1,683 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1241% | 2,356 |
| Cost of funding earning assets | 1.0920% | 2,724 |
| Net interest margin | 4.0321% | 2,723 |
| Noninterest income to average assets | 0.5367% | 3,608 |
| Noninterest expense to average assets | 2.6698% | 4,852 |
| Loan and lease loss provision to assets | 0.2669% | 3,549 |
| Net operating income to assets | 1.0058% | 2,176 |
| Return on assets (ROA) | 1.0053% | 2,319 |
| Pretax return on assets | 1.2434% | 2,317 |
| Return on Equity (ROE) | 9.4665% | 2,260 |
| Retained earnings to average equity (ytd only) | 3.7003% | 3,579 |
| Net charge-offs to loans | 0.5286% | 2,886 |
| Credit loss provision to net charge-offs | 92.7976% | 3,886 |
| Earnings coverage of net charge-offs (x) | 5.2532% | 2,852 |
| Efficiency ratio | 63.8588% | 5,150 |
| Assets per employee ($millions) | 3.3689% | 5,325 |
| Cash dividends to net income (ytd only)* | 60.9111% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 4,563 |
| Loan loss allowance to noncurrent loans | 96.0690% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 1.2258% | 4,186 |
| Noncurrent loans to loans | 1.4352% | 4,011 |
| Net loans and leases to total assets | 52.2652% | 5,272 |
| Net loans and leases to deposits | 64.3479% | 4,958 |
| Net loans and leases to core deposits | 73.1139% | 4,365 |
| Total domestic deposits to total assets | 81.2228% | 5,379 |
| Equity capital to assets | 10.6930% | 3,310 |
| Core capital (leverage) ratio | 10.1105% | 3,211 |
| Tier 1 risk-based capital ratio | 16.6232% | 2,770 |
| Total risk-based capital ratio | 17.8361% | 2,755 |
| Memoranda: | ||
| Average total assets | $458,573,400 | 1,432 |
| Average earning assets | $414,452,200 | 1,444 |
| Average equity | $48,698,200 | 1,399 |
| Average total loans | $249,545,000 | 1,675 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1043% | 2,585 |
| Cost of funding earning assets | 1.1078% | 2,924 |
| Net interest margin | 3.9965% | 2,925 |
| Noninterest income to average assets | 0.5470% | 3,533 |
| Noninterest expense to average assets | 2.6235% | 4,994 |
| Loan and lease loss provision to assets | 0.2827% | 3,259 |
| Net operating income to assets | 1.0126% | 2,275 |
| Return on assets (ROA) | 1.0159% | 2,419 |
| Pretax return on assets | 1.2575% | 2,439 |
| Return on Equity (ROE) | 9.5832% | 2,355 |
| Retained earnings to average equity (ytd only) | 8.3943% | 1,356 |
| Net charge-offs to loans | 0.6327% | 2,351 |
| Credit loss provision to net charge-offs | 81.5657% | 4,093 |
| Earnings coverage of net charge-offs (x) | 4.4318% | 3,071 |
| Efficiency ratio | 63.0708% | 5,228 |
| Assets per employee ($millions) | 3.3264% | 5,429 |
| Cash dividends to net income (ytd only)* | 12.4068% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3091% | 4,971 |
| Loan loss allowance to noncurrent loans | 88.9161% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 1.2901% | 4,226 |
| Noncurrent loans to loans | 1.4723% | 4,090 |
| Net loans and leases to total assets | 53.7504% | 5,202 |
| Net loans and leases to deposits | 67.3744% | 4,712 |
| Net loans and leases to core deposits | 76.6081% | 4,111 |
| Total domestic deposits to total assets | 79.7788% | 5,805 |
| Equity capital to assets | 11.1084% | 3,041 |
| Core capital (leverage) ratio | 10.4185% | 2,973 |
| Tier 1 risk-based capital ratio | 16.1626% | 3,029 |
| Total risk-based capital ratio | 17.2693% | 3,071 |
| Memoranda: | ||
| Average total assets | $456,989,250 | 1,450 |
| Average earning assets | $413,079,500 | 1,456 |
| Average equity | $48,444,500 | 1,413 |
| Average total loans | $250,335,500 | 1,689 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0817% | 2,763 |
| Cost of funding earning assets | 1.1233% | 3,082 |
| Net interest margin | 3.9584% | 3,045 |
| Noninterest income to average assets | 0.5536% | 3,456 |
| Noninterest expense to average assets | 2.6040% | 5,166 |
| Loan and lease loss provision to assets | 0.3261% | 2,833 |
| Net operating income to assets | 0.9729% | 2,346 |
| Return on assets (ROA) | 0.9779% | 2,421 |
| Pretax return on assets | 1.2005% | 2,477 |
| Return on Equity (ROE) | 9.3749% | 2,351 |
| Retained earnings to average equity (ytd only) | 9.3749% | 993 |
| Net charge-offs to loans | 0.0950% | 4,725 |
| Credit loss provision to net charge-offs | 625.2101% | 500 |
| Earnings coverage of net charge-offs (x) | 29.1513% | 946 |
| Efficiency ratio | 63.1350% | 5,381 |
| Assets per employee ($millions) | 3.2264% | 5,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6430% | 3,520 |
| Loan loss allowance to noncurrent loans | 77.1696% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 1.3525% | 4,201 |
| Noncurrent loans to loans | 2.1290% | 3,314 |
| Net loans and leases to total assets | 54.5649% | 5,213 |
| Net loans and leases to deposits | 68.2279% | 4,672 |
| Net loans and leases to core deposits | 77.0226% | 4,188 |
| Total domestic deposits to total assets | 79.9745% | 5,831 |
| Equity capital to assets | 10.9649% | 2,997 |
| Core capital (leverage) ratio | 10.2001% | 3,034 |
| Tier 1 risk-based capital ratio | 14.9664% | 3,506 |
| Total risk-based capital ratio | 16.2170% | 3,480 |
| Memoranda: | ||
| Average total assets | $456,305,000 | 1,462 |
| Average earning assets | $411,632,330 | 1,469 |
| Average equity | $47,595,330 | 1,423 |
| Average total loans | $250,444,000 | 1,710 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9901% | 3,149 |
| Cost of funding earning assets | 1.1470% | 3,177 |
| Net interest margin | 3.8432% | 3,402 |
| Noninterest income to average assets | 0.5408% | 3,572 |
| Noninterest expense to average assets | 2.6035% | 5,207 |
| Loan and lease loss provision to assets | 0.4527% | 1,949 |
| Net operating income to assets | 0.8111% | 2,971 |
| Return on assets (ROA) | 0.8111% | 3,037 |
| Pretax return on assets | 0.9507% | 3,316 |
| Return on Equity (ROE) | 7.9779% | 2,924 |
| Retained earnings to average equity (ytd only) | 7.9779% | 1,743 |
| Net charge-offs to loans | 0.1374% | 3,691 |
| Credit loss provision to net charge-offs | 603.4884% | 615 |
| Earnings coverage of net charge-offs (x) | 18.7093% | 1,171 |
| Efficiency ratio | 64.9761% | 5,191 |
| Assets per employee ($millions) | 3.3587% | 5,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5692% | 3,875 |
| Loan loss allowance to noncurrent loans | 91.1307% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 1.0548% | 4,815 |
| Noncurrent loans to loans | 1.7219% | 3,918 |
| Net loans and leases to total assets | 52.3598% | 5,533 |
| Net loans and leases to deposits | 64.1619% | 5,233 |
| Net loans and leases to core deposits | 71.9542% | 4,795 |
| Total domestic deposits to total assets | 81.6057% | 5,458 |
| Equity capital to assets | 10.0238% | 3,747 |
| Core capital (leverage) ratio | 9.7475% | 3,452 |
| Tier 1 risk-based capital ratio | 14.7421% | 3,584 |
| Total risk-based capital ratio | 15.9923% | 3,543 |
| Memoranda: | ||
| Average total assets | $458,610,000 | 1,465 |
| Average earning assets | $413,618,500 | 1,478 |
| Average equity | $46,629,000 | 1,440 |
| Average total loans | $250,374,000 | 1,727 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4225% | 2,570 |
| Cost of funding earning assets | 1.4111% | 3,194 |
| Net interest margin | 4.0114% | 2,972 |
| Noninterest income to average assets | 0.5837% | 3,570 |
| Noninterest expense to average assets | 2.7278% | 4,863 |
| Loan and lease loss provision to assets | 0.4783% | 3,264 |
| Net operating income to assets | 0.8533% | 2,574 |
| Return on assets (ROA) | 0.8115% | 2,880 |
| Pretax return on assets | 0.9593% | 3,067 |
| Return on Equity (ROE) | 7.5808% | 2,855 |
| Retained earnings to average equity (ytd only) | 1.6064% | 4,719 |
| Net charge-offs to loans | 0.8704% | 2,450 |
| Credit loss provision to net charge-offs | 95.9781% | 4,843 |
| Earnings coverage of net charge-offs (x) | 2.9680% | 3,589 |
| Efficiency ratio | 64.8422% | 5,193 |
| Assets per employee ($millions) | 3.2867% | 5,464 |
| Cash dividends to net income (ytd only)* | 78.8100% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3934% | 4,547 |
| Loan loss allowance to noncurrent loans | 79.3997% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 1.1396% | 4,730 |
| Noncurrent loans to loans | 1.7549% | 3,874 |
| Net loans and leases to total assets | 55.2852% | 5,444 |
| Net loans and leases to deposits | 68.8572% | 4,975 |
| Net loans and leases to core deposits | 77.6486% | 4,502 |
| Total domestic deposits to total assets | 80.2896% | 5,755 |
| Equity capital to assets | 10.3186% | 3,367 |
| Core capital (leverage) ratio | 10.3537% | 2,712 |
| Tier 1 risk-based capital ratio | 15.1285% | 3,183 |
| Total risk-based capital ratio | 16.3090% | 3,159 |
| Memoranda: | ||
| Average total assets | $439,079,800 | 1,519 |
| Average earning assets | $396,571,400 | 1,530 |
| Average equity | $47,000,200 | 1,423 |
| Average total loans | $251,392,400 | 1,752 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4250% | 2,764 |
| Cost of funding earning assets | 1.4568% | 3,234 |
| Net interest margin | 3.9682% | 3,244 |
| Noninterest income to average assets | 0.5835% | 3,553 |
| Noninterest expense to average assets | 2.6995% | 4,883 |
| Loan and lease loss provision to assets | 0.4575% | 3,188 |
| Net operating income to assets | 0.8523% | 2,804 |
| Return on assets (ROA) | 0.8538% | 2,929 |
| Pretax return on assets | 1.0234% | 3,098 |
| Return on Equity (ROE) | 7.9034% | 2,953 |
| Retained earnings to average equity (ytd only) | 6.6835% | 1,993 |
| Net charge-offs to loans | 1.1468% | 1,778 |
| Credit loss provision to net charge-offs | 69.3161% | 5,438 |
| Earnings coverage of net charge-offs (x) | 2.2408% | 4,053 |
| Efficiency ratio | 64.6033% | 5,128 |
| Assets per employee ($millions) | 3.1312% | 5,853 |
| Cash dividends to net income (ytd only)* | 15.4342% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1609% | 5,659 |
| Loan loss allowance to noncurrent loans | 71.0873% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 1.1211% | 4,874 |
| Noncurrent loans to loans | 1.6331% | 4,196 |
| Net loans and leases to total assets | 58.2983% | 5,209 |
| Net loans and leases to deposits | 72.7213% | 4,734 |
| Net loans and leases to core deposits | 81.9320% | 4,258 |
| Total domestic deposits to total assets | 80.1668% | 5,648 |
| Equity capital to assets | 11.5581% | 2,484 |
| Core capital (leverage) ratio | 10.7279% | 2,488 |
| Tier 1 risk-based capital ratio | 15.9741% | 2,776 |
| Total risk-based capital ratio | 16.9788% | 2,851 |
| Memoranda: | ||
| Average total assets | $437,100,500 | 1,549 |
| Average earning assets | $396,006,250 | 1,554 |
| Average equity | $47,219,250 | 1,426 |
| Average total loans | $251,586,750 | 1,774 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3704% | 3,105 |
| Cost of funding earning assets | 1.4937% | 3,291 |
| Net interest margin | 3.8767% | 3,551 |
| Noninterest income to average assets | 0.5807% | 3,477 |
| Noninterest expense to average assets | 2.6431% | 5,157 |
| Loan and lease loss provision to assets | 0.4763% | 2,926 |
| Net operating income to assets | 0.8148% | 2,903 |
| Return on assets (ROA) | 0.8171% | 3,040 |
| Pretax return on assets | 0.9704% | 3,236 |
| Return on Equity (ROE) | 7.7375% | 2,994 |
| Retained earnings to average equity (ytd only) | 7.7375% | 1,535 |
| Net charge-offs to loans | 1.1950% | 1,588 |
| Credit loss provision to net charge-offs | 69.8138% | 4,968 |
| Earnings coverage of net charge-offs (x) | 2.1164% | 3,966 |
| Efficiency ratio | 64.6687% | 5,214 |
| Assets per employee ($millions) | 3.2065% | 5,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 5,250 |
| Loan loss allowance to noncurrent loans | 68.1343% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 1.2445% | 4,657 |
| Noncurrent loans to loans | 1.8175% | 3,979 |
| Net loans and leases to total assets | 57.1685% | 5,536 |
| Net loans and leases to deposits | 71.5703% | 5,061 |
| Net loans and leases to core deposits | 80.5407% | 4,625 |
| Total domestic deposits to total assets | 79.8775% | 5,763 |
| Equity capital to assets | 10.9810% | 2,885 |
| Core capital (leverage) ratio | 10.5244% | 2,611 |
| Tier 1 risk-based capital ratio | 15.5995% | 2,848 |
| Total risk-based capital ratio | 16.6643% | 2,903 |
| Memoranda: | ||
| Average total assets | $440,853,670 | 1,550 |
| Average earning assets | $398,743,000 | 1,557 |
| Average equity | $46,552,670 | 1,445 |
| Average total loans | $251,724,330 | 1,802 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3357% | 3,365 |
| Cost of funding earning assets | 1.5115% | 3,483 |
| Net interest margin | 3.8242% | 3,690 |
| Noninterest income to average assets | 0.5830% | 3,388 |
| Noninterest expense to average assets | 2.5864% | 5,405 |
| Loan and lease loss provision to assets | 0.5415% | 2,336 |
| Net operating income to assets | 0.7905% | 3,012 |
| Return on assets (ROA) | 0.7905% | 3,124 |
| Pretax return on assets | 0.9187% | 3,397 |
| Return on Equity (ROE) | 7.6364% | 3,054 |
| Retained earnings to average equity (ytd only) | 7.6364% | 1,866 |
| Net charge-offs to loans | 2.3185% | 726 |
| Credit loss provision to net charge-offs | 41.1805% | 4,623 |
| Earnings coverage of net charge-offs (x) | 1.1105% | 4,099 |
| Efficiency ratio | 63.9161% | 5,510 |
| Assets per employee ($millions) | 3.4342% | 5,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0794% | 6,106 |
| Loan loss allowance to noncurrent loans | 53.5286% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 1.2750% | 4,626 |
| Noncurrent loans to loans | 2.0165% | 3,775 |
| Net loans and leases to total assets | 53.8261% | 6,046 |
| Net loans and leases to deposits | 69.1407% | 5,452 |
| Net loans and leases to core deposits | 77.8605% | 5,037 |
| Total domestic deposits to total assets | 77.8502% | 6,356 |
| Equity capital to assets | 10.0090% | 3,863 |
| Core capital (leverage) ratio | 9.9777% | 3,190 |
| Tier 1 risk-based capital ratio | 15.2110% | 3,001 |
| Total risk-based capital ratio | 16.1340% | 3,128 |
| Memoranda: | ||
| Average total assets | $443,236,500 | 1,584 |
| Average earning assets | $401,445,000 | 1,587 |
| Average equity | $45,885,500 | 1,467 |
| Average total loans | $251,371,000 | 1,857 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8817% | 2,316 |
| Cost of funding earning assets | 1.6838% | 4,596 |
| Net interest margin | 4.1979% | 2,066 |
| Noninterest income to average assets | 0.6528% | 3,265 |
| Noninterest expense to average assets | 2.8869% | 4,579 |
| Loan and lease loss provision to assets | 0.3325% | 4,816 |
| Net operating income to assets | 0.9791% | 1,908 |
| Return on assets (ROA) | 1.0148% | 1,838 |
| Pretax return on assets | 1.3017% | 1,690 |
| Return on Equity (ROE) | 9.1278% | 1,983 |
| Retained earnings to average equity (ytd only) | 2.9082% | 3,138 |
| Net charge-offs to loans | 0.0514% | 6,585 |
| Credit loss provision to net charge-offs | 1,088.7097% | 273 |
| Earnings coverage of net charge-offs (x) | 52.0161% | 501 |
| Efficiency ratio | 64.5078% | 5,673 |
| Assets per employee ($millions) | 3.1323% | 5,908 |
| Cash dividends to net income (ytd only)* | 68.1388% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4293% | 4,080 |
| Loan loss allowance to noncurrent loans | 185.5884% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.6735% | 5,779 |
| Noncurrent loans to loans | 0.7701% | 5,727 |
| Net loans and leases to total assets | 58.3867% | 5,596 |
| Net loans and leases to deposits | 74.0393% | 5,031 |
| Net loans and leases to core deposits | 97.2866% | 4,316 |
| Total domestic deposits to total assets | 78.8591% | 6,016 |
| Equity capital to assets | 10.7289% | 2,945 |
| Core capital (leverage) ratio | 10.8270% | 2,329 |
| Tier 1 risk-based capital ratio | 15.0939% | 2,890 |
| Total risk-based capital ratio | 16.3221% | 2,855 |
| Memoranda: | ||
| Average total assets | $406,074,200 | 1,689 |
| Average earning assets | $369,760,000 | 1,704 |
| Average equity | $45,147,800 | 1,486 |
| Average total loans | $241,013,200 | 1,944 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9464% | 2,243 |
| Cost of funding earning assets | 1.7186% | 4,807 |
| Net interest margin | 4.2279% | 1,948 |
| Noninterest income to average assets | 0.6420% | 3,406 |
| Noninterest expense to average assets | 2.8021% | 4,890 |
| Loan and lease loss provision to assets | 0.3484% | 4,240 |
| Net operating income to assets | 1.0464% | 1,913 |
| Return on assets (ROA) | 1.0945% | 1,808 |
| Pretax return on assets | 1.4064% | 1,677 |
| Return on Equity (ROE) | 9.7545% | 2,011 |
| Retained earnings to average equity (ytd only) | 8.4771% | 985 |
| Net charge-offs to loans | 0.0358% | 6,402 |
| Credit loss provision to net charge-offs | 1,640.6250% | 235 |
| Earnings coverage of net charge-offs (x) | 79.7355% | 423 |
| Efficiency ratio | 62.3367% | 6,051 |
| Assets per employee ($millions) | 3.0395% | 6,060 |
| Cash dividends to net income (ytd only)* | 13.0950% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3603% | 4,157 |
| Loan loss allowance to noncurrent loans | 2,168.8312% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.5799% | 6,003 |
| Noncurrent loans to loans | 0.0627% | 7,344 |
| Net loans and leases to total assets | 58.5893% | 5,797 |
| Net loans and leases to deposits | 75.6000% | 5,109 |
| Net loans and leases to core deposits | 99.3400% | 4,449 |
| Total domestic deposits to total assets | 77.4991% | 6,216 |
| Equity capital to assets | 11.4618% | 2,625 |
| Core capital (leverage) ratio | 11.2914% | 2,191 |
| Tier 1 risk-based capital ratio | 16.1570% | 2,573 |
| Total risk-based capital ratio | 17.3417% | 2,529 |
| Memoranda: | ||
| Average total assets | $401,878,250 | 1,724 |
| Average earning assets | $366,260,500 | 1,735 |
| Average equity | $45,092,750 | 1,511 |
| Average total loans | $238,648,250 | 1,990 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9931% | 2,209 |
| Cost of funding earning assets | 1.7955% | 4,781 |
| Net interest margin | 4.1975% | 2,009 |
| Noninterest income to average assets | 0.6286% | 3,477 |
| Noninterest expense to average assets | 2.7791% | 5,048 |
| Loan and lease loss provision to assets | 0.3015% | 4,151 |
| Net operating income to assets | 1.0623% | 1,908 |
| Return on assets (ROA) | 1.0858% | 1,898 |
| Pretax return on assets | 1.3968% | 1,738 |
| Return on Equity (ROE) | 9.7495% | 2,110 |
| Retained earnings to average equity (ytd only) | 9.7495% | 775 |
| Net charge-offs to loans | 0.1565% | 4,628 |
| Credit loss provision to net charge-offs | 324.3243% | 1,441 |
| Earnings coverage of net charge-offs (x) | 17.9459% | 1,440 |
| Efficiency ratio | 62.4901% | 6,169 |
| Assets per employee ($millions) | 2.9552% | 6,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 5,155 |
| Loan loss allowance to noncurrent loans | 97.0898% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.9898% | 4,987 |
| Noncurrent loans to loans | 1.2024% | 4,809 |
| Net loans and leases to total assets | 58.7602% | 5,866 |
| Net loans and leases to deposits | 72.2507% | 5,704 |
| Net loans and leases to core deposits | 93.7494% | 5,143 |
| Total domestic deposits to total assets | 81.3282% | 4,952 |
| Equity capital to assets | 11.4468% | 2,574 |
| Core capital (leverage) ratio | 11.1133% | 2,320 |
| Tier 1 risk-based capital ratio | 16.3877% | 2,485 |
| Total risk-based capital ratio | 17.3996% | 2,518 |
| Memoranda: | ||
| Average total assets | $398,046,330 | 1,769 |
| Average earning assets | $362,118,670 | 1,770 |
| Average equity | $44,330,330 | 1,541 |
| Average total loans | $236,353,330 | 2,035 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0400% | 2,197 |
| Cost of funding earning assets | 1.8717% | 4,782 |
| Net interest margin | 4.1684% | 2,018 |
| Noninterest income to average assets | 0.6056% | 3,506 |
| Noninterest expense to average assets | 2.7204% | 4,913 |
| Loan and lease loss provision to assets | 0.3018% | 3,531 |
| Net operating income to assets | 1.0696% | 2,068 |
| Return on assets (ROA) | 1.1167% | 2,029 |
| Pretax return on assets | 1.4326% | 1,874 |
| Return on Equity (ROE) | 10.1690% | 2,256 |
| Retained earnings to average equity (ytd only) | 10.1690% | 1,148 |
| Net charge-offs to loans | 0.2628% | 3,082 |
| Credit loss provision to net charge-offs | 193.5484% | 2,283 |
| Earnings coverage of net charge-offs (x) | 10.7355% | 1,928 |
| Efficiency ratio | 61.9048% | 6,062 |
| Assets per employee ($millions) | 2.9257% | 6,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 5,703 |
| Loan loss allowance to noncurrent loans | 296.0900% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.5650% | 5,785 |
| Noncurrent loans to loans | 0.3604% | 6,531 |
| Net loans and leases to total assets | 58.2277% | 5,907 |
| Net loans and leases to deposits | 68.2910% | 6,154 |
| Net loans and leases to core deposits | 87.7232% | 5,765 |
| Total domestic deposits to total assets | 85.2641% | 3,081 |
| Equity capital to assets | 11.1726% | 2,834 |
| Core capital (leverage) ratio | 10.7320% | 2,714 |
| Tier 1 risk-based capital ratio | 15.9913% | 2,692 |
| Total risk-based capital ratio | 16.9038% | 2,734 |
| Memoranda: | ||
| Average total assets | $397,594,500 | 1,775 |
| Average earning assets | $361,389,000 | 1,785 |
| Average equity | $43,662,000 | 1,562 |
| Average total loans | $235,933,500 | 2,053 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4294% | 3,280 |
| Cost of funding earning assets | 2.6201% | 3,580 |
| Net interest margin | 3.8094% | 3,982 |
| Noninterest income to average assets | 0.7023% | 3,111 |
| Noninterest expense to average assets | 2.5520% | 5,821 |
| Loan and lease loss provision to assets | 0.1547% | 5,384 |
| Net operating income to assets | 1.1892% | 1,804 |
| Return on assets (ROA) | 0.7662% | 3,430 |
| Pretax return on assets | 0.9260% | 3,636 |
| Return on Equity (ROE) | 6.8919% | 3,589 |
| Retained earnings to average equity (ytd only) | 0.5844% | 4,891 |
| Net charge-offs to loans | 0.5215% | 2,279 |
| Credit loss provision to net charge-offs | 51.2821% | 6,338 |
| Earnings coverage of net charge-offs (x) | 5.2726% | 3,706 |
| Efficiency ratio | 61.6069% | 6,026 |
| Assets per employee ($millions) | 2.9649% | 6,138 |
| Cash dividends to net income (ytd only)* | 91.5209% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 6,144 |
| Loan loss allowance to noncurrent loans | 73.9554% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 0.8976% | 4,602 |
| Noncurrent loans to loans | 1.3392% | 3,838 |
| Net loans and leases to total assets | 59.2329% | 6,020 |
| Net loans and leases to deposits | 74.7948% | 5,761 |
| Net loans and leases to core deposits | 99.0926% | 4,916 |
| Total domestic deposits to total assets | 79.1939% | 5,300 |
| Equity capital to assets | 10.7902% | 3,212 |
| Core capital (leverage) ratio | 10.7351% | 2,790 |
| Tier 1 risk-based capital ratio | 15.4046% | 2,876 |
| Total risk-based capital ratio | 16.2542% | 2,959 |
| Memoranda: | ||
| Average total assets | $387,887,800 | 1,747 |
| Average earning assets | $350,294,600 | 1,772 |
| Average equity | $43,123,000 | 1,560 |
| Average total loans | $224,332,400 | 2,089 |