Home > First State Bank of Livingston > Performance and Condition Ratios
First State Bank of Livingston, 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 | 4.5419% | 3,025 |
| Cost of funding earning assets | 1.2955% | 2,531 |
| Net interest margin | 3.2463% | 2,755 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 2.4724% | 2,372 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.1104% | 1,889 |
| Return on assets (ROA) | 1.1776% | 1,677 |
| Pretax return on assets | 1.3567% | 1,727 |
| Return on Equity (ROE) | 11.5200% | 2,087 |
| Retained earnings to average equity (ytd only) | 7.7687% | 1,605 |
| Net charge-offs to loans | 0.0846% | 1,015 |
| Credit loss provision to net charge-offs | 57.3770% | 2,164 |
| Earnings coverage of net charge-offs (x) | 50.6995% | 1,287 |
| Efficiency ratio | 65.6421% | 2,392 |
| Assets per employee ($millions) | 5.1607% | 3,514 |
| Cash dividends to net income (ytd only)* | 32.5714% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 2,283 |
| Loan loss allowance to noncurrent loans | 261.0031% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.1402% | 2,586 |
| Noncurrent loans to loans | 0.4607% | 1,630 |
| Net loans and leases to total assets | 30.0700% | 4,285 |
| Net loans and leases to deposits | 34.0581% | 4,303 |
| Net loans and leases to core deposits | 35.3128% | 4,349 |
| Total domestic deposits to total assets | 88.3000% | 1,255 |
| Equity capital to assets | 11.3352% | 1,357 |
| Core capital (leverage) ratio | 14.5836% | 690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $716,959,600 | 1,280 |
| Average earning assets | $680,646,200 | 1,265 |
| Average equity | $73,281,600 | 1,203 |
| Average total loans | $216,292,800 | 2,185 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4315% | 3,037 |
| Cost of funding earning assets | 1.5043% | 1,591 |
| Net interest margin | 2.9272% | 3,488 |
| Noninterest income to average assets | 0.8500% | 852 |
| Noninterest expense to average assets | 2.5836% | 1,987 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.9487% | 2,516 |
| Return on assets (ROA) | 1.1074% | 2,012 |
| Pretax return on assets | 1.2219% | 2,245 |
| Return on Equity (ROE) | 10.4700% | 2,509 |
| Retained earnings to average equity (ytd only) | 9.0012% | 1,690 |
| Net charge-offs to loans | 0.0172% | 1,788 |
| Credit loss provision to net charge-offs | 236.8421% | 1,017 |
| Earnings coverage of net charge-offs (x) | 179.4737% | 648 |
| Efficiency ratio | 70.8771% | 1,692 |
| Assets per employee ($millions) | 4.7386% | 3,777 |
| Cash dividends to net income (ytd only)* | 14.0568% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2976% | 1,879 |
| Loan loss allowance to noncurrent loans | 151.5841% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.2986% | 1,818 |
| Noncurrent loans to loans | 0.8560% | 969 |
| Net loans and leases to total assets | 34.4300% | 4,233 |
| Net loans and leases to deposits | 38.6554% | 4,239 |
| Net loans and leases to core deposits | 40.4495% | 4,249 |
| Total domestic deposits to total assets | 89.0700% | 1,221 |
| Equity capital to assets | 10.7583% | 1,450 |
| Core capital (leverage) ratio | 14.2927% | 754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $428,276,500 | 1,924 |
| Average earning assets | $409,663,000 | 1,876 |
| Average equity | $45,281,500 | 1,712 |
| Average total loans | $146,943,500 | 2,707 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3645% | 2,972 |
| Cost of funding earning assets | 1.4210% | 1,390 |
| Net interest margin | 2.9435% | 3,575 |
| Noninterest income to average assets | 0.8800% | 722 |
| Noninterest expense to average assets | 2.5530% | 2,056 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.0081% | 2,391 |
| Return on assets (ROA) | 1.2380% | 1,717 |
| Pretax return on assets | 1.3874% | 1,846 |
| Return on Equity (ROE) | 11.7700% | 2,225 |
| Retained earnings to average equity (ytd only) | 9.5808% | 1,516 |
| Net charge-offs to loans | 0.0149% | 1,640 |
| Credit loss provision to net charge-offs | 272.7273% | 906 |
| Earnings coverage of net charge-offs (x) | 225.2727% | 545 |
| Efficiency ratio | 69.0753% | 1,857 |
| Assets per employee ($millions) | 5.0277% | 3,575 |
| Cash dividends to net income (ytd only)* | 18.6289% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2538% | 2,157 |
| Loan loss allowance to noncurrent loans | 98.6207% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 0.4463% | 1,197 |
| Noncurrent loans to loans | 1.2714% | 560 |
| Net loans and leases to total assets | 34.6700% | 4,223 |
| Net loans and leases to deposits | 39.0315% | 4,234 |
| Net loans and leases to core deposits | 40.6495% | 4,248 |
| Total domestic deposits to total assets | 88.8200% | 1,312 |
| Equity capital to assets | 10.9183% | 1,420 |
| Core capital (leverage) ratio | 13.5586% | 862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $433,616,000 | 1,906 |
| Average earning assets | $415,213,667 | 1,856 |
| Average equity | $45,591,333 | 1,707 |
| Average total loans | $147,990,000 | 2,695 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2539% | 2,916 |
| Cost of funding earning assets | 1.3081% | 1,213 |
| Net interest margin | 2.9458% | 3,708 |
| Noninterest income to average assets | 0.9500% | 617 |
| Noninterest expense to average assets | 2.4478% | 2,376 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.1354% | 2,110 |
| Return on assets (ROA) | 1.5790% | 1,016 |
| Pretax return on assets | 1.8203% | 1,035 |
| Return on Equity (ROE) | 15.3000% | 1,495 |
| Retained earnings to average equity (ytd only) | 15.3006% | 759 |
| Net charge-offs to loans | 0.0271% | 1,155 |
| Credit loss provision to net charge-offs | 150.0000% | 949 |
| Earnings coverage of net charge-offs (x) | 145.4000% | 621 |
| Efficiency ratio | 64.8962% | 2,342 |
| Assets per employee ($millions) | 5.0684% | 3,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 2,248 |
| Loan loss allowance to noncurrent loans | 320.4861% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.1479% | 2,479 |
| Noncurrent loans to loans | 0.3927% | 1,753 |
| Net loans and leases to total assets | 32.8500% | 4,298 |
| Net loans and leases to deposits | 36.9249% | 4,296 |
| Net loans and leases to core deposits | 38.5003% | 4,310 |
| Total domestic deposits to total assets | 88.9500% | 1,560 |
| Equity capital to assets | 10.8605% | 1,396 |
| Core capital (leverage) ratio | 13.1449% | 936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $439,259,500 | 1,909 |
| Average earning assets | $421,073,000 | 1,861 |
| Average equity | $45,331,500 | 1,733 |
| Average total loans | $147,852,500 | 2,722 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0024% | 4,133 |
| Cost of funding earning assets | 0.4732% | 1,565 |
| Net interest margin | 2.5292% | 4,254 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 2.4156% | 2,378 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.6974% | 3,628 |
| Return on assets (ROA) | 0.6974% | 3,576 |
| Pretax return on assets | 0.7075% | 3,831 |
| Return on Equity (ROE) | 6.4000% | 3,748 |
| Retained earnings to average equity (ytd only) | 5.3479% | 2,898 |
| Net charge-offs to loans | -0.0118% | 3,883 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 77.0088% | 922 |
| Assets per employee ($millions) | 5.0295% | 3,655 |
| Cash dividends to net income (ytd only)* | 16.3827% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2347% | 2,224 |
| Loan loss allowance to noncurrent loans | 268.6131% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.1739% | 2,328 |
| Noncurrent loans to loans | 0.4597% | 1,561 |
| Net loans and leases to total assets | 33.6400% | 4,302 |
| Net loans and leases to deposits | 37.3265% | 4,313 |
| Net loans and leases to core deposits | 38.8873% | 4,303 |
| Total domestic deposits to total assets | 90.1200% | 1,307 |
| Equity capital to assets | 9.7753% | 1,843 |
| Core capital (leverage) ratio | 13.0164% | 933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $437,607,400 | 1,896 |
| Average earning assets | $420,757,600 | 1,846 |
| Average equity | $47,719,600 | 1,680 |
| Average total loans | $144,201,600 | 2,690 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7416% | 4,254 |
| Cost of funding earning assets | 0.3191% | 1,969 |
| Net interest margin | 2.4225% | 4,295 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.4011% | 2,319 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4302% | 4,191 |
| Return on assets (ROA) | 0.4302% | 4,136 |
| Pretax return on assets | 0.3702% | 4,301 |
| Return on Equity (ROE) | 3.8500% | 4,176 |
| Retained earnings to average equity (ytd only) | 3.8455% | 3,497 |
| Net charge-offs to loans | -0.0242% | 4,058 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 86.6425% | 437 |
| Assets per employee ($millions) | 5.0691% | 3,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2520% | 2,251 |
| Loan loss allowance to noncurrent loans | 96.2345% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 0.4491% | 1,203 |
| Noncurrent loans to loans | 1.3010% | 561 |
| Net loans and leases to total assets | 32.7500% | 4,347 |
| Net loans and leases to deposits | 36.2680% | 4,354 |
| Net loans and leases to core deposits | 37.9964% | 4,345 |
| Total domestic deposits to total assets | 90.2900% | 1,533 |
| Equity capital to assets | 9.5762% | 1,841 |
| Core capital (leverage) ratio | 12.8511% | 947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $437,618,250 | 1,905 |
| Average earning assets | $421,202,750 | 1,853 |
| Average equity | $48,956,250 | 1,667 |
| Average total loans | $142,996,000 | 2,708 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5186% | 4,358 |
| Cost of funding earning assets | 0.2160% | 2,693 |
| Net interest margin | 2.3026% | 4,331 |
| Noninterest income to average assets | 0.2905% | 3,430 |
| Noninterest expense to average assets | 2.3921% | 2,250 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2301% | 4,385 |
| Return on assets (ROA) | 0.2301% | 4,343 |
| Pretax return on assets | 0.1187% | 4,476 |
| Return on Equity (ROE) | 1.9642% | 4,355 |
| Retained earnings to average equity (ytd only) | 1.9642% | 3,762 |
| Net charge-offs to loans | -0.0475% | 4,222 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2735% | 255 |
| Assets per employee ($millions) | 5.0581% | 3,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2560% | 2,408 |
| Loan loss allowance to noncurrent loans | 90.6660% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 0.4731% | 1,202 |
| Noncurrent loans to loans | 1.3853% | 550 |
| Net loans and leases to total assets | 32.4773% | 4,382 |
| Net loans and leases to deposits | 36.2648% | 4,381 |
| Net loans and leases to core deposits | 37.8182% | 4,388 |
| Total domestic deposits to total assets | 89.5561% | 1,916 |
| Equity capital to assets | 10.3499% | 1,509 |
| Core capital (leverage) ratio | 12.7152% | 903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $439,867,333 | 1,903 |
| Average earning assets | $424,130,333 | 1,861 |
| Average equity | $51,521,333 | 1,641 |
| Average total loans | $143,032,000 | 2,720 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3922% | 4,386 |
| Cost of funding earning assets | 0.1627% | 3,329 |
| Net interest margin | 2.2295% | 4,313 |
| Noninterest income to average assets | 0.1284% | 4,366 |
| Noninterest expense to average assets | 2.3486% | 2,343 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0787% | 4,492 |
| Return on assets (ROA) | 0.0787% | 4,466 |
| Pretax return on assets | -0.0633% | 4,551 |
| Return on Equity (ROE) | 0.6354% | 4,471 |
| Retained earnings to average equity (ytd only) | 0.6354% | 3,893 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7701% | 206 |
| Assets per employee ($millions) | 5.1037% | 3,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2366% | 2,667 |
| Loan loss allowance to noncurrent loans | 107.2384% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 0.3871% | 1,562 |
| Noncurrent loans to loans | 1.1531% | 768 |
| Net loans and leases to total assets | 31.7127% | 4,394 |
| Net loans and leases to deposits | 35.8445% | 4,387 |
| Net loans and leases to core deposits | 37.3696% | 4,390 |
| Total domestic deposits to total assets | 88.4728% | 2,309 |
| Equity capital to assets | 11.4418% | 1,144 |
| Core capital (leverage) ratio | 12.4939% | 912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $442,301,500 | 1,905 |
| Average earning assets | $427,899,000 | 1,861 |
| Average equity | $54,771,000 | 1,605 |
| Average total loans | $143,011,500 | 2,717 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6905% | 4,322 |
| Cost of funding earning assets | 0.1856% | 3,594 |
| Net interest margin | 2.5049% | 4,181 |
| Noninterest income to average assets | 0.7845% | 1,491 |
| Noninterest expense to average assets | 2.4544% | 2,326 |
| Loan and lease loss provision to assets | 0.0048% | 2,982 |
| Net operating income to assets | 0.7300% | 3,544 |
| Return on assets (ROA) | 0.7300% | 3,605 |
| Pretax return on assets | 0.7447% | 3,849 |
| Return on Equity (ROE) | 5.2181% | 3,948 |
| Retained earnings to average equity (ytd only) | 3.5162% | 3,414 |
| Net charge-offs to loans | 0.0227% | 1,802 |
| Credit loss provision to net charge-offs | 58.8235% | 2,072 |
| Earnings coverage of net charge-offs (x) | 92.5882% | 913 |
| Efficiency ratio | 76.4658% | 1,065 |
| Assets per employee ($millions) | 5.0642% | 3,676 |
| Cash dividends to net income (ytd only)* | 32.6158% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2290% | 2,735 |
| Loan loss allowance to noncurrent loans | 81.6960% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 0.5068% | 1,314 |
| Noncurrent loans to loans | 1.5044% | 602 |
| Net loans and leases to total assets | 32.1588% | 4,443 |
| Net loans and leases to deposits | 37.1938% | 4,440 |
| Net loans and leases to core deposits | 39.0380% | 4,421 |
| Total domestic deposits to total assets | 86.4629% | 2,728 |
| Equity capital to assets | 13.3319% | 816 |
| Core capital (leverage) ratio | 13.0703% | 778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $420,013,200 | 1,926 |
| Average earning assets | $405,688,600 | 1,885 |
| Average equity | $58,757,400 | 1,535 |
| Average total loans | $149,810,400 | 2,634 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7638% | 4,342 |
| Cost of funding earning assets | 0.1945% | 3,667 |
| Net interest margin | 2.5693% | 4,179 |
| Noninterest income to average assets | 0.7710% | 1,614 |
| Noninterest expense to average assets | 2.4348% | 2,328 |
| Loan and lease loss provision to assets | 0.0065% | 2,848 |
| Net operating income to assets | 0.7874% | 3,558 |
| Return on assets (ROA) | 0.7874% | 3,623 |
| Pretax return on assets | 0.8092% | 3,875 |
| Return on Equity (ROE) | 5.5590% | 4,009 |
| Retained earnings to average equity (ytd only) | 4.4245% | 3,435 |
| Net charge-offs to loans | 0.0194% | 1,665 |
| Credit loss provision to net charge-offs | 90.9091% | 1,658 |
| Earnings coverage of net charge-offs (x) | 115.3636% | 795 |
| Efficiency ratio | 74.7182% | 1,155 |
| Assets per employee ($millions) | 4.8380% | 3,854 |
| Cash dividends to net income (ytd only)* | 20.4082% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2173% | 2,908 |
| Loan loss allowance to noncurrent loans | 67.1331% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 0.6460% | 1,171 |
| Noncurrent loans to loans | 1.8133% | 527 |
| Net loans and leases to total assets | 34.2201% | 4,456 |
| Net loans and leases to deposits | 39.9393% | 4,448 |
| Net loans and leases to core deposits | 41.8090% | 4,453 |
| Total domestic deposits to total assets | 85.6804% | 2,878 |
| Equity capital to assets | 14.0359% | 732 |
| Core capital (leverage) ratio | 13.5233% | 730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $414,871,000 | 1,961 |
| Average earning assets | $400,357,000 | 1,922 |
| Average equity | $58,762,250 | 1,558 |
| Average total loans | $151,400,750 | 2,656 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6935% | 4,464 |
| Cost of funding earning assets | 0.2025% | 3,726 |
| Net interest margin | 2.4910% | 4,318 |
| Noninterest income to average assets | 0.7552% | 1,657 |
| Noninterest expense to average assets | 2.4473% | 2,318 |
| Loan and lease loss provision to assets | 0.0097% | 2,734 |
| Net operating income to assets | 0.7058% | 3,751 |
| Return on assets (ROA) | 0.7058% | 3,817 |
| Pretax return on assets | 0.7000% | 4,065 |
| Return on Equity (ROE) | 4.9679% | 4,130 |
| Retained earnings to average equity (ytd only) | 3.2630% | 3,756 |
| Net charge-offs to loans | -0.0104% | 3,681 |
| Credit loss provision to net charge-offs | -250.0000% | 3,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2288% | 970 |
| Assets per employee ($millions) | 4.8370% | 3,799 |
| Cash dividends to net income (ytd only)* | 34.3171% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 2,839 |
| Loan loss allowance to noncurrent loans | 79.7966% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 0.5530% | 1,508 |
| Noncurrent loans to loans | 1.5238% | 743 |
| Net loans and leases to total assets | 34.8464% | 4,505 |
| Net loans and leases to deposits | 40.7313% | 4,501 |
| Net loans and leases to core deposits | 42.6611% | 4,500 |
| Total domestic deposits to total assets | 85.5518% | 2,890 |
| Equity capital to assets | 14.0635% | 705 |
| Core capital (leverage) ratio | 13.0937% | 780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $412,859,000 | 1,959 |
| Average earning assets | $398,068,000 | 1,915 |
| Average equity | $58,657,000 | 1,555 |
| Average total loans | $153,264,333 | 2,651 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6894% | 4,493 |
| Cost of funding earning assets | 0.2102% | 3,826 |
| Net interest margin | 2.4792% | 4,331 |
| Noninterest income to average assets | 0.7738% | 1,651 |
| Noninterest expense to average assets | 2.5113% | 2,148 |
| Loan and lease loss provision to assets | 0.0196% | 2,523 |
| Net operating income to assets | 0.6163% | 3,900 |
| Return on assets (ROA) | 0.6163% | 3,965 |
| Pretax return on assets | 0.6310% | 4,145 |
| Return on Equity (ROE) | 4.3155% | 4,221 |
| Retained earnings to average equity (ytd only) | 4.3155% | 3,411 |
| Net charge-offs to loans | -0.0077% | 3,559 |
| Credit loss provision to net charge-offs | -666.6667% | 3,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8366% | 907 |
| Assets per employee ($millions) | 4.6595% | 3,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1769% | 3,053 |
| Loan loss allowance to noncurrent loans | 68.7930% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 0.6470% | 1,466 |
| Noncurrent loans to loans | 1.7108% | 708 |
| Net loans and leases to total assets | 36.4682% | 4,482 |
| Net loans and leases to deposits | 42.5249% | 4,472 |
| Net loans and leases to core deposits | 44.5707% | 4,482 |
| Total domestic deposits to total assets | 85.7572% | 2,832 |
| Equity capital to assets | 13.9520% | 681 |
| Core capital (leverage) ratio | 13.4432% | 752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $408,878,000 | 1,961 |
| Average earning assets | $393,839,000 | 1,926 |
| Average equity | $58,394,500 | 1,551 |
| Average total loans | $155,673,500 | 2,640 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1462% | 4,507 |
| Cost of funding earning assets | 0.3178% | 4,038 |
| Net interest margin | 2.8285% | 4,218 |
| Noninterest income to average assets | 0.9639% | 1,116 |
| Noninterest expense to average assets | 2.6326% | 2,444 |
| Loan and lease loss provision to assets | 0.0398% | 3,905 |
| Net operating income to assets | 0.9546% | 2,458 |
| Return on assets (ROA) | 0.9546% | 2,610 |
| Pretax return on assets | 1.0124% | 3,004 |
| Return on Equity (ROE) | 6.3507% | 3,471 |
| Retained earnings to average equity (ytd only) | 4.5851% | 2,489 |
| Net charge-offs to loans | 0.0505% | 2,070 |
| Credit loss provision to net charge-offs | 187.5000% | 2,224 |
| Earnings coverage of net charge-offs (x) | 49.5625% | 1,208 |
| Efficiency ratio | 70.8967% | 1,824 |
| Assets per employee ($millions) | 4.5288% | 3,888 |
| Cash dividends to net income (ytd only)* | 27.8009% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1224% | 3,347 |
| Loan loss allowance to noncurrent loans | 90.3866% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 0.5039% | 2,054 |
| Noncurrent loans to loans | 1.2418% | 1,110 |
| Net loans and leases to total assets | 38.8371% | 4,483 |
| Net loans and leases to deposits | 45.7191% | 4,477 |
| Net loans and leases to core deposits | 48.0103% | 4,485 |
| Total domestic deposits to total assets | 84.9473% | 2,782 |
| Equity capital to assets | 14.6208% | 652 |
| Core capital (leverage) ratio | 13.9727% | 693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $376,814,400 | 1,931 |
| Average earning assets | $362,495,200 | 1,892 |
| Average equity | $56,639,600 | 1,512 |
| Average total loans | $158,413,400 | 2,574 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2780% | 4,505 |
| Cost of funding earning assets | 0.3510% | 4,052 |
| Net interest margin | 2.9271% | 4,133 |
| Noninterest income to average assets | 1.0205% | 994 |
| Noninterest expense to average assets | 2.6583% | 2,366 |
| Loan and lease loss provision to assets | 0.0251% | 4,023 |
| Net operating income to assets | 1.0702% | 2,078 |
| Return on assets (ROA) | 1.0702% | 2,212 |
| Pretax return on assets | 1.1541% | 2,554 |
| Return on Equity (ROE) | 7.0676% | 3,167 |
| Retained earnings to average equity (ytd only) | 5.8786% | 2,153 |
| Net charge-offs to loans | 0.0505% | 1,891 |
| Credit loss provision to net charge-offs | 116.6667% | 2,509 |
| Earnings coverage of net charge-offs (x) | 54.5833% | 1,148 |
| Efficiency ratio | 68.7342% | 2,077 |
| Assets per employee ($millions) | 4.2340% | 4,108 |
| Cash dividends to net income (ytd only)* | 16.8237% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0668% | 3,378 |
| Loan loss allowance to noncurrent loans | 53.0102% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 0.8768% | 1,321 |
| Noncurrent loans to loans | 2.0125% | 598 |
| Net loans and leases to total assets | 42.2547% | 4,489 |
| Net loans and leases to deposits | 50.2636% | 4,478 |
| Net loans and leases to core deposits | 53.0867% | 4,488 |
| Total domestic deposits to total assets | 84.0662% | 2,794 |
| Equity capital to assets | 15.4760% | 542 |
| Core capital (leverage) ratio | 14.1974% | 668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $370,252,250 | 1,939 |
| Average earning assets | $356,344,000 | 1,895 |
| Average equity | $56,066,750 | 1,512 |
| Average total loans | $158,438,000 | 2,586 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4448% | 4,489 |
| Cost of funding earning assets | 0.3997% | 4,037 |
| Net interest margin | 3.0451% | 4,030 |
| Noninterest income to average assets | 1.0993% | 823 |
| Noninterest expense to average assets | 2.6528% | 2,514 |
| Loan and lease loss provision to assets | 0.0163% | 4,030 |
| Net operating income to assets | 1.2324% | 1,541 |
| Return on assets (ROA) | 1.2324% | 1,662 |
| Pretax return on assets | 1.3568% | 1,845 |
| Return on Equity (ROE) | 8.2001% | 2,663 |
| Retained earnings to average equity (ytd only) | 6.3923% | 1,901 |
| Net charge-offs to loans | -0.0317% | 4,562 |
| Credit loss provision to net charge-offs | -120.0000% | 3,415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3799% | 2,605 |
| Assets per employee ($millions) | 4.2893% | 4,014 |
| Cash dividends to net income (ytd only)* | 22.0459% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 3,044 |
| Loan loss allowance to noncurrent loans | 37.3701% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 1.2246% | 883 |
| Noncurrent loans to loans | 2.9495% | 333 |
| Net loans and leases to total assets | 40.5037% | 4,589 |
| Net loans and leases to deposits | 47.7409% | 4,601 |
| Net loans and leases to core deposits | 50.2941% | 4,614 |
| Total domestic deposits to total assets | 84.8407% | 2,453 |
| Equity capital to assets | 14.6429% | 695 |
| Core capital (leverage) ratio | 13.9292% | 766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $368,062,333 | 1,929 |
| Average earning assets | $353,751,333 | 1,881 |
| Average equity | $55,316,667 | 1,515 |
| Average total loans | $157,603,333 | 2,586 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6737% | 4,438 |
| Cost of funding earning assets | 0.5405% | 3,739 |
| Net interest margin | 3.1332% | 4,028 |
| Noninterest income to average assets | 1.2439% | 570 |
| Noninterest expense to average assets | 2.7524% | 2,571 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3560% | 1,089 |
| Return on assets (ROA) | 1.3560% | 1,172 |
| Pretax return on assets | 1.4995% | 1,305 |
| Return on Equity (ROE) | 8.8975% | 2,155 |
| Retained earnings to average equity (ytd only) | 8.8975% | 1,000 |
| Net charge-offs to loans | -0.1048% | 4,825 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2330% | 3,200 |
| Assets per employee ($millions) | 4.0572% | 3,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0990% | 3,210 |
| Loan loss allowance to noncurrent loans | 118.1081% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.4382% | 2,711 |
| Noncurrent loans to loans | 0.9305% | 1,768 |
| Net loans and leases to total assets | 42.6075% | 4,566 |
| Net loans and leases to deposits | 50.2724% | 4,582 |
| Net loans and leases to core deposits | 53.2141% | 4,595 |
| Total domestic deposits to total assets | 84.7532% | 2,508 |
| Equity capital to assets | 14.8714% | 786 |
| Core capital (leverage) ratio | 14.7399% | 731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $356,930,000 | 1,931 |
| Average earning assets | $342,649,500 | 1,880 |
| Average equity | $54,397,500 | 1,533 |
| Average total loans | $156,475,500 | 2,576 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7756% | 4,596 |
| Cost of funding earning assets | 0.6033% | 3,623 |
| Net interest margin | 3.1724% | 4,246 |
| Noninterest income to average assets | 1.0335% | 902 |
| Noninterest expense to average assets | 2.8636% | 2,401 |
| Loan and lease loss provision to assets | 0.0469% | 3,090 |
| Net operating income to assets | 1.0482% | 2,661 |
| Return on assets (ROA) | 1.0482% | 2,760 |
| Pretax return on assets | 1.1595% | 2,983 |
| Return on Equity (ROE) | 6.6453% | 3,689 |
| Retained earnings to average equity (ytd only) | 2.4664% | 3,796 |
| Net charge-offs to loans | 0.0305% | 2,787 |
| Credit loss provision to net charge-offs | 347.8261% | 805 |
| Earnings coverage of net charge-offs (x) | 89.5217% | 736 |
| Efficiency ratio | 69.8121% | 2,198 |
| Assets per employee ($millions) | 3.7874% | 4,159 |
| Cash dividends to net income (ytd only)* | 62.8843% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1099% | 2,894 |
| Loan loss allowance to noncurrent loans | 94.7310% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 0.5632% | 2,200 |
| Noncurrent loans to loans | 1.1716% | 1,295 |
| Net loans and leases to total assets | 44.1560% | 4,596 |
| Net loans and leases to deposits | 52.5764% | 4,591 |
| Net loans and leases to core deposits | 55.9594% | 4,585 |
| Total domestic deposits to total assets | 83.9846% | 2,850 |
| Equity capital to assets | 15.6356% | 664 |
| Core capital (leverage) ratio | 15.2673% | 634 |
| Tier 1 risk-based capital ratio | 35.3858% | 324 |
| Total risk-based capital ratio | 36.5654% | 319 |
| Memoranda: | ||
| Average total assets | $341,356,800 | 1,940 |
| Average earning assets | $326,726,600 | 1,894 |
| Average equity | $53,842,600 | 1,499 |
| Average total loans | $150,879,400 | 2,609 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8196% | 4,651 |
| Cost of funding earning assets | 0.6149% | 3,616 |
| Net interest margin | 3.2047% | 4,289 |
| Noninterest income to average assets | 1.0415% | 855 |
| Noninterest expense to average assets | 2.8523% | 2,402 |
| Loan and lease loss provision to assets | 0.0626% | 2,646 |
| Net operating income to assets | 1.0744% | 2,666 |
| Return on assets (ROA) | 1.0744% | 2,759 |
| Pretax return on assets | 1.1934% | 3,001 |
| Return on Equity (ROE) | 6.7964% | 3,769 |
| Retained earnings to average equity (ytd only) | 4.9388% | 2,919 |
| Net charge-offs to loans | 0.0258% | 2,580 |
| Credit loss provision to net charge-offs | 551.7241% | 584 |
| Earnings coverage of net charge-offs (x) | 110.6085% | 697 |
| Efficiency ratio | 68.8840% | 2,275 |
| Assets per employee ($millions) | 3.6077% | 4,380 |
| Cash dividends to net income (ytd only)* | 27.3325% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1480% | 2,785 |
| Loan loss allowance to noncurrent loans | 55.8109% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 0.9624% | 1,400 |
| Noncurrent loans to loans | 2.0570% | 648 |
| Net loans and leases to total assets | 44.2440% | 4,684 |
| Net loans and leases to deposits | 53.2274% | 4,656 |
| Net loans and leases to core deposits | 56.8680% | 4,660 |
| Total domestic deposits to total assets | 83.1225% | 3,120 |
| Equity capital to assets | 16.3747% | 576 |
| Core capital (leverage) ratio | 15.5836% | 628 |
| Tier 1 risk-based capital ratio | 37.1175% | 302 |
| Total risk-based capital ratio | 38.3508% | 295 |
| Memoranda: | ||
| Average total assets | $340,532,250 | 1,956 |
| Average earning assets | $325,886,750 | 1,911 |
| Average equity | $53,831,000 | 1,497 |
| Average total loans | $150,125,750 | 2,645 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8352% | 4,663 |
| Cost of funding earning assets | 0.6191% | 3,558 |
| Net interest margin | 3.2161% | 4,332 |
| Noninterest income to average assets | 1.0187% | 847 |
| Noninterest expense to average assets | 2.8579% | 2,391 |
| Loan and lease loss provision to assets | 0.0935% | 1,981 |
| Net operating income to assets | 1.0327% | 2,789 |
| Return on assets (ROA) | 1.0327% | 2,873 |
| Pretax return on assets | 1.1426% | 3,107 |
| Return on Equity (ROE) | 6.6104% | 3,835 |
| Retained earnings to average equity (ytd only) | 6.6104% | 2,000 |
| Net charge-offs to loans | 0.0226% | 2,395 |
| Credit loss provision to net charge-offs | 941.1765% | 363 |
| Earnings coverage of net charge-offs (x) | 124.4118% | 590 |
| Efficiency ratio | 69.2648% | 2,338 |
| Assets per employee ($millions) | 3.6268% | 4,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1314% | 2,894 |
| Loan loss allowance to noncurrent loans | 58.5243% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 0.9214% | 1,509 |
| Noncurrent loans to loans | 1.9332% | 751 |
| Net loans and leases to total assets | 45.0013% | 4,681 |
| Net loans and leases to deposits | 53.9062% | 4,683 |
| Net loans and leases to core deposits | 57.2308% | 4,670 |
| Total domestic deposits to total assets | 83.4807% | 3,058 |
| Equity capital to assets | 16.2427% | 579 |
| Core capital (leverage) ratio | 15.3044% | 647 |
| Tier 1 risk-based capital ratio | 35.8174% | 318 |
| Total risk-based capital ratio | 37.0223% | 311 |
| Memoranda: | ||
| Average total assets | $342,204,000 | 1,959 |
| Average earning assets | $327,228,670 | 1,919 |
| Average equity | $53,461,330 | 1,502 |
| Average total loans | $150,111,000 | 2,657 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7702% | 4,749 |
| Cost of funding earning assets | 0.6322% | 3,397 |
| Net interest margin | 3.1380% | 4,518 |
| Noninterest income to average assets | 1.0271% | 755 |
| Noninterest expense to average assets | 2.7250% | 2,827 |
| Loan and lease loss provision to assets | 0.1857% | 885 |
| Net operating income to assets | 1.0120% | 2,800 |
| Return on assets (ROA) | 1.0120% | 2,845 |
| Pretax return on assets | 1.1176% | 3,099 |
| Return on Equity (ROE) | 6.6062% | 3,800 |
| Retained earnings to average equity (ytd only) | 6.6062% | 2,196 |
| Net charge-offs to loans | -0.0027% | 3,905 |
| Credit loss provision to net charge-offs | -16,000.0000% | 4,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0988% | 2,781 |
| Assets per employee ($millions) | 3.8973% | 4,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 2,709 |
| Loan loss allowance to noncurrent loans | 57.6026% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 0.9080% | 1,548 |
| Noncurrent loans to loans | 2.0418% | 718 |
| Net loans and leases to total assets | 42.0183% | 4,825 |
| Net loans and leases to deposits | 49.7338% | 4,822 |
| Net loans and leases to core deposits | 52.6368% | 4,824 |
| Total domestic deposits to total assets | 84.4866% | 2,855 |
| Equity capital to assets | 15.2289% | 706 |
| Core capital (leverage) ratio | 14.7789% | 748 |
| Tier 1 risk-based capital ratio | 34.6423% | 335 |
| Total risk-based capital ratio | 35.8402% | 327 |
| Memoranda: | ||
| Average total assets | $344,657,500 | 1,968 |
| Average earning assets | $329,639,500 | 1,923 |
| Average equity | $52,799,000 | 1,505 |
| Average total loans | $148,404,000 | 2,710 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6665% | 4,714 |
| Cost of funding earning assets | 0.4719% | 3,538 |
| Net interest margin | 3.1946% | 4,497 |
| Noninterest income to average assets | 0.9687% | 1,013 |
| Noninterest expense to average assets | 2.8428% | 2,544 |
| Loan and lease loss provision to assets | 0.1255% | 1,750 |
| Net operating income to assets | 0.9478% | 3,242 |
| Return on assets (ROA) | 0.9478% | 3,240 |
| Pretax return on assets | 1.0497% | 3,444 |
| Return on Equity (ROE) | 6.0751% | 4,149 |
| Retained earnings to average equity (ytd only) | 3.2014% | 3,799 |
| Net charge-offs to loans | 0.2250% | 868 |
| Credit loss provision to net charge-offs | 132.4921% | 2,004 |
| Earnings coverage of net charge-offs (x) | 12.4038% | 2,532 |
| Efficiency ratio | 70.1852% | 2,147 |
| Assets per employee ($millions) | 3.6800% | 4,349 |
| Cash dividends to net income (ytd only)* | 47.3037% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0794% | 3,222 |
| Loan loss allowance to noncurrent loans | 62.7559% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 0.7916% | 1,766 |
| Noncurrent loans to loans | 1.7200% | 838 |
| Net loans and leases to total assets | 43.1470% | 4,840 |
| Net loans and leases to deposits | 51.2037% | 4,846 |
| Net loans and leases to core deposits | 54.3079% | 4,838 |
| Total domestic deposits to total assets | 84.2655% | 2,915 |
| Equity capital to assets | 15.4129% | 629 |
| Core capital (leverage) ratio | 15.0543% | 685 |
| Tier 1 risk-based capital ratio | 34.6637% | 326 |
| Total risk-based capital ratio | 35.7725% | 323 |
| Memoranda: | ||
| Average total assets | $334,563,800 | 1,967 |
| Average earning assets | $319,354,800 | 1,931 |
| Average equity | $52,196,400 | 1,459 |
| Average total loans | $140,885,800 | 2,763 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6186% | 4,769 |
| Cost of funding earning assets | 0.4495% | 3,525 |
| Net interest margin | 3.1691% | 4,576 |
| Noninterest income to average assets | 0.9273% | 1,116 |
| Noninterest expense to average assets | 2.7888% | 2,674 |
| Loan and lease loss provision to assets | 0.1199% | 1,689 |
| Net operating income to assets | 0.9381% | 3,358 |
| Return on assets (ROA) | 0.9381% | 3,362 |
| Pretax return on assets | 1.0425% | 3,596 |
| Return on Equity (ROE) | 5.9948% | 4,269 |
| Retained earnings to average equity (ytd only) | 4.7176% | 3,387 |
| Net charge-offs to loans | 0.2902% | 573 |
| Credit loss provision to net charge-offs | 99.0099% | 2,308 |
| Earnings coverage of net charge-offs (x) | 9.5974% | 2,635 |
| Efficiency ratio | 70.0051% | 2,187 |
| Assets per employee ($millions) | 3.5675% | 4,468 |
| Cash dividends to net income (ytd only)* | 21.3038% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0403% | 3,531 |
| Loan loss allowance to noncurrent loans | 62.5999% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 0.7366% | 2,012 |
| Noncurrent loans to loans | 1.6619% | 938 |
| Net loans and leases to total assets | 42.6628% | 4,926 |
| Net loans and leases to deposits | 50.7974% | 4,927 |
| Net loans and leases to core deposits | 53.9768% | 4,912 |
| Total domestic deposits to total assets | 83.9861% | 2,948 |
| Equity capital to assets | 15.7104% | 583 |
| Core capital (leverage) ratio | 15.3131% | 629 |
| Tier 1 risk-based capital ratio | 34.9612% | 324 |
| Total risk-based capital ratio | 36.0018% | 325 |
| Memoranda: | ||
| Average total assets | $333,564,500 | 1,979 |
| Average earning assets | $318,271,250 | 1,946 |
| Average equity | $52,200,000 | 1,461 |
| Average total loans | $139,189,000 | 2,796 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5286% | 4,879 |
| Cost of funding earning assets | 0.4405% | 3,425 |
| Net interest margin | 3.0882% | 4,748 |
| Noninterest income to average assets | 0.9026% | 1,175 |
| Noninterest expense to average assets | 2.7807% | 2,721 |
| Loan and lease loss provision to assets | 0.0958% | 2,016 |
| Net operating income to assets | 0.8810% | 3,542 |
| Return on assets (ROA) | 0.8810% | 3,545 |
| Pretax return on assets | 0.9720% | 3,744 |
| Return on Equity (ROE) | 5.6371% | 4,370 |
| Retained earnings to average equity (ytd only) | 5.6371% | 2,754 |
| Net charge-offs to loans | 0.2422% | 653 |
| Credit loss provision to net charge-offs | 95.8084% | 2,108 |
| Earnings coverage of net charge-offs (x) | 10.6826% | 2,320 |
| Efficiency ratio | 71.6641% | 2,057 |
| Assets per employee ($millions) | 3.6369% | 4,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 3,414 |
| Loan loss allowance to noncurrent loans | 60.9786% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 0.7469% | 1,996 |
| Noncurrent loans to loans | 1.7606% | 898 |
| Net loans and leases to total assets | 40.8418% | 5,029 |
| Net loans and leases to deposits | 48.6026% | 5,013 |
| Net loans and leases to core deposits | 51.9660% | 4,996 |
| Total domestic deposits to total assets | 84.0321% | 3,056 |
| Equity capital to assets | 15.6652% | 562 |
| Core capital (leverage) ratio | 14.9496% | 681 |
| Tier 1 risk-based capital ratio | 36.0310% | 305 |
| Total risk-based capital ratio | 37.1084% | 302 |
| Memoranda: | ||
| Average total assets | $334,161,330 | 1,992 |
| Average earning assets | $318,762,670 | 1,947 |
| Average equity | $52,225,670 | 1,465 |
| Average total loans | $137,908,000 | 2,818 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4817% | 4,910 |
| Cost of funding earning assets | 0.4318% | 3,357 |
| Net interest margin | 3.0499% | 4,794 |
| Noninterest income to average assets | 0.8145% | 1,404 |
| Noninterest expense to average assets | 2.8292% | 2,609 |
| Loan and lease loss provision to assets | 0.0958% | 1,916 |
| Net operating income to assets | 0.7450% | 3,919 |
| Return on assets (ROA) | 0.7450% | 3,920 |
| Pretax return on assets | 0.8001% | 4,153 |
| Return on Equity (ROE) | 4.7726% | 4,558 |
| Retained earnings to average equity (ytd only) | 4.7726% | 3,269 |
| Net charge-offs to loans | 0.2293% | 654 |
| Credit loss provision to net charge-offs | 101.2658% | 1,525 |
| Earnings coverage of net charge-offs (x) | 9.4684% | 1,965 |
| Efficiency ratio | 75.3376% | 1,696 |
| Assets per employee ($millions) | 3.9067% | 4,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0827% | 3,492 |
| Loan loss allowance to noncurrent loans | 60.0644% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 0.7506% | 2,072 |
| Noncurrent loans to loans | 1.8026% | 928 |
| Net loans and leases to total assets | 40.1054% | 5,069 |
| Net loans and leases to deposits | 47.5291% | 5,055 |
| Net loans and leases to core deposits | 50.8013% | 5,020 |
| Total domestic deposits to total assets | 84.3808% | 3,157 |
| Equity capital to assets | 15.3191% | 597 |
| Core capital (leverage) ratio | 14.6618% | 724 |
| Tier 1 risk-based capital ratio | 35.8904% | 310 |
| Total risk-based capital ratio | 36.9893% | 310 |
| Memoranda: | ||
| Average total assets | $333,944,000 | 2,001 |
| Average earning assets | $318,698,000 | 1,964 |
| Average equity | $52,131,000 | 1,479 |
| Average total loans | $137,793,000 | 2,843 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3995% | 4,941 |
| Cost of funding earning assets | 0.3485% | 3,732 |
| Net interest margin | 3.0510% | 4,788 |
| Noninterest income to average assets | 0.9722% | 1,084 |
| Noninterest expense to average assets | 2.8448% | 2,627 |
| Loan and lease loss provision to assets | 0.0431% | 3,382 |
| Net operating income to assets | 0.8438% | 2,975 |
| Return on assets (ROA) | 0.8438% | 3,003 |
| Pretax return on assets | 0.9925% | 3,604 |
| Return on Equity (ROE) | 5.3319% | 4,030 |
| Retained earnings to average equity (ytd only) | 2.6085% | 3,760 |
| Net charge-offs to loans | 0.0825% | 2,273 |
| Credit loss provision to net charge-offs | 128.4404% | 2,048 |
| Earnings coverage of net charge-offs (x) | 30.8624% | 1,515 |
| Efficiency ratio | 72.7092% | 2,119 |
| Assets per employee ($millions) | 3.6044% | 4,564 |
| Cash dividends to net income (ytd only)* | 51.0762% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0814% | 3,442 |
| Loan loss allowance to noncurrent loans | 54.6789% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 0.8512% | 1,829 |
| Noncurrent loans to loans | 1.9778% | 775 |
| Net loans and leases to total assets | 41.5519% | 5,079 |
| Net loans and leases to deposits | 49.5761% | 5,074 |
| Net loans and leases to core deposits | 52.8690% | 5,044 |
| Total domestic deposits to total assets | 83.8145% | 3,276 |
| Equity capital to assets | 15.9129% | 527 |
| Core capital (leverage) ratio | 15.1028% | 600 |
| Tier 1 risk-based capital ratio | 35.3806% | 311 |
| Total risk-based capital ratio | 36.4758% | 307 |
| Memoranda: | ||
| Average total assets | $324,837,000 | 2,039 |
| Average earning assets | $309,631,600 | 1,993 |
| Average equity | $51,408,000 | 1,494 |
| Average total loans | $132,067,200 | 2,886 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3721% | 5,001 |
| Cost of funding earning assets | 0.3416% | 3,752 |
| Net interest margin | 3.0304% | 4,853 |
| Noninterest income to average assets | 0.9751% | 1,078 |
| Noninterest expense to average assets | 2.8485% | 2,569 |
| Loan and lease loss provision to assets | 0.0247% | 3,648 |
| Net operating income to assets | 0.8443% | 3,297 |
| Return on assets (ROA) | 0.8443% | 3,346 |
| Pretax return on assets | 0.9924% | 3,713 |
| Return on Equity (ROE) | 5.3424% | 4,393 |
| Retained earnings to average equity (ytd only) | 2.8691% | 4,197 |
| Net charge-offs to loans | 0.0888% | 1,913 |
| Credit loss provision to net charge-offs | 68.9655% | 2,709 |
| Earnings coverage of net charge-offs (x) | 28.4131% | 1,607 |
| Efficiency ratio | 73.0814% | 2,031 |
| Assets per employee ($millions) | 3.5181% | 4,708 |
| Cash dividends to net income (ytd only)* | 46.2965% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0704% | 3,664 |
| Loan loss allowance to noncurrent loans | 83.3527% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 0.5515% | 2,867 |
| Noncurrent loans to loans | 1.2842% | 1,489 |
| Net loans and leases to total assets | 40.8901% | 5,161 |
| Net loans and leases to deposits | 49.0483% | 5,159 |
| Net loans and leases to core deposits | 52.3506% | 5,127 |
| Total domestic deposits to total assets | 83.3671% | 3,340 |
| Equity capital to assets | 15.9826% | 549 |
| Core capital (leverage) ratio | 15.3018% | 608 |
| Tier 1 risk-based capital ratio | 36.7681% | 284 |
| Total risk-based capital ratio | 37.8677% | 284 |
| Memoranda: | ||
| Average total assets | $324,045,250 | 2,059 |
| Average earning assets | $309,079,750 | 2,006 |
| Average equity | $51,211,250 | 1,510 |
| Average total loans | $130,638,500 | 2,935 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3414% | 5,042 |
| Cost of funding earning assets | 0.3410% | 3,678 |
| Net interest margin | 3.0004% | 4,916 |
| Noninterest income to average assets | 0.9927% | 1,028 |
| Noninterest expense to average assets | 2.8004% | 2,761 |
| Loan and lease loss provision to assets | 0.0123% | 3,711 |
| Net operating income to assets | 0.8742% | 3,051 |
| Return on assets (ROA) | 0.8742% | 3,103 |
| Pretax return on assets | 1.0408% | 3,401 |
| Return on Equity (ROE) | 5.5527% | 4,244 |
| Retained earnings to average equity (ytd only) | 3.7893% | 3,431 |
| Net charge-offs to loans | 0.0386% | 2,427 |
| Credit loss provision to net charge-offs | 80.0000% | 2,259 |
| Earnings coverage of net charge-offs (x) | 68.2800% | 856 |
| Efficiency ratio | 72.0621% | 2,328 |
| Assets per employee ($millions) | 3.5212% | 4,688 |
| Cash dividends to net income (ytd only)* | 31.7572% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0824% | 3,684 |
| Loan loss allowance to noncurrent loans | 68.2950% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 0.6779% | 2,514 |
| Noncurrent loans to loans | 1.5849% | 1,167 |
| Net loans and leases to total assets | 41.0183% | 5,189 |
| Net loans and leases to deposits | 49.1907% | 5,169 |
| Net loans and leases to core deposits | 54.0401% | 5,086 |
| Total domestic deposits to total assets | 83.3861% | 3,436 |
| Equity capital to assets | 15.9536% | 538 |
| Core capital (leverage) ratio | 14.8936% | 661 |
| Tier 1 risk-based capital ratio | 36.0584% | 278 |
| Total risk-based capital ratio | 37.1568% | 279 |
| Memoranda: | ||
| Average total assets | $324,172,000 | 2,059 |
| Average earning assets | $309,090,000 | 2,007 |
| Average equity | $51,038,330 | 1,516 |
| Average total loans | $129,591,670 | 2,954 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2468% | 5,181 |
| Cost of funding earning assets | 0.3352% | 3,700 |
| Net interest margin | 2.9116% | 5,064 |
| Noninterest income to average assets | 0.9584% | 1,085 |
| Noninterest expense to average assets | 2.8444% | 2,638 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7734% | 3,347 |
| Return on assets (ROA) | 0.7734% | 3,403 |
| Pretax return on assets | 0.8893% | 3,812 |
| Return on Equity (ROE) | 4.9451% | 4,417 |
| Retained earnings to average equity (ytd only) | 1.3960% | 4,541 |
| Net charge-offs to loans | 0.0252% | 2,257 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 90.1250% | 591 |
| Efficiency ratio | 75.5534% | 1,977 |
| Assets per employee ($millions) | 3.5496% | 4,723 |
| Cash dividends to net income (ytd only)* | 71.7703% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 3,575 |
| Loan loss allowance to noncurrent loans | 57.2612% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 0.7965% | 2,307 |
| Noncurrent loans to loans | 1.9587% | 917 |
| Net loans and leases to total assets | 39.1716% | 5,283 |
| Net loans and leases to deposits | 46.7394% | 5,277 |
| Net loans and leases to core deposits | 51.4315% | 5,168 |
| Total domestic deposits to total assets | 83.8085% | 3,547 |
| Equity capital to assets | 15.5779% | 560 |
| Core capital (leverage) ratio | 14.6207% | 686 |
| Tier 1 risk-based capital ratio | 36.2169% | 295 |
| Total risk-based capital ratio | 37.3367% | 290 |
| Memoranda: | ||
| Average total assets | $324,285,000 | 2,071 |
| Average earning assets | $309,106,000 | 2,029 |
| Average equity | $50,717,000 | 1,524 |
| Average total loans | $127,222,000 | 3,002 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4467% | 4,892 |
| Cost of funding earning assets | 0.3108% | 3,952 |
| Net interest margin | 3.1358% | 4,626 |
| Noninterest income to average assets | 0.8941% | 1,429 |
| Noninterest expense to average assets | 2.9417% | 2,522 |
| Loan and lease loss provision to assets | 0.0310% | 3,737 |
| Net operating income to assets | 0.8017% | 3,297 |
| Return on assets (ROA) | 0.8290% | 3,270 |
| Pretax return on assets | 0.9447% | 3,669 |
| Return on Equity (ROE) | 5.2623% | 4,295 |
| Retained earnings to average equity (ytd only) | 3.0960% | 3,700 |
| Net charge-offs to loans | 0.0319% | 3,385 |
| Credit loss provision to net charge-offs | 250.0000% | 1,154 |
| Earnings coverage of net charge-offs (x) | 76.1250% | 743 |
| Efficiency ratio | 75.2375% | 2,105 |
| Assets per employee ($millions) | 3.4256% | 4,861 |
| Cash dividends to net income (ytd only)* | 41.1677% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1665% | 3,327 |
| Loan loss allowance to noncurrent loans | 63.8792% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 0.7301% | 2,540 |
| Noncurrent loans to loans | 1.8261% | 1,039 |
| Net loans and leases to total assets | 38.3887% | 5,388 |
| Net loans and leases to deposits | 45.8619% | 5,371 |
| Net loans and leases to core deposits | 49.4337% | 5,317 |
| Total domestic deposits to total assets | 83.7049% | 3,538 |
| Equity capital to assets | 15.7023% | 534 |
| Core capital (leverage) ratio | 14.8956% | 618 |
| Tier 1 risk-based capital ratio | 35.8166% | 297 |
| Total risk-based capital ratio | 36.9332% | 294 |
| Memoranda: | ||
| Average total assets | $322,328,800 | 2,045 |
| Average earning assets | $307,572,800 | 1,993 |
| Average equity | $50,775,800 | 1,495 |
| Average total loans | $125,222,600 | 2,990 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4597% | 4,908 |
| Cost of funding earning assets | 0.3130% | 3,942 |
| Net interest margin | 3.1467% | 4,655 |
| Noninterest income to average assets | 0.9681% | 1,220 |
| Noninterest expense to average assets | 2.8667% | 2,756 |
| Loan and lease loss provision to assets | 0.0414% | 3,408 |
| Net operating income to assets | 0.9065% | 2,867 |
| Return on assets (ROA) | 0.9396% | 2,834 |
| Pretax return on assets | 1.1046% | 3,215 |
| Return on Equity (ROE) | 5.9597% | 4,083 |
| Retained earnings to average equity (ytd only) | 3.0743% | 4,072 |
| Net charge-offs to loans | 0.0426% | 2,788 |
| Credit loss provision to net charge-offs | 250.0000% | 1,196 |
| Earnings coverage of net charge-offs (x) | 66.9274% | 887 |
| Efficiency ratio | 71.7452% | 2,614 |
| Assets per employee ($millions) | 3.3776% | 4,944 |
| Cash dividends to net income (ytd only)* | 48.4155% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 3,210 |
| Loan loss allowance to noncurrent loans | 64.3866% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 0.7271% | 2,739 |
| Noncurrent loans to loans | 1.8704% | 1,081 |
| Net loans and leases to total assets | 37.3019% | 5,499 |
| Net loans and leases to deposits | 44.8958% | 5,488 |
| Net loans and leases to core deposits | 48.5176% | 5,436 |
| Total domestic deposits to total assets | 83.0856% | 3,553 |
| Equity capital to assets | 16.0580% | 548 |
| Core capital (leverage) ratio | 15.0367% | 622 |
| Tier 1 risk-based capital ratio | 35.8497% | 314 |
| Total risk-based capital ratio | 36.9773% | 314 |
| Memoranda: | ||
| Average total assets | $322,410,000 | 2,054 |
| Average earning assets | $307,958,750 | 1,994 |
| Average equity | $50,829,250 | 1,502 |
| Average total loans | $125,260,250 | 2,998 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4864% | 4,906 |
| Cost of funding earning assets | 0.3197% | 3,901 |
| Net interest margin | 3.1667% | 4,651 |
| Noninterest income to average assets | 1.0306% | 1,055 |
| Noninterest expense to average assets | 2.9202% | 2,613 |
| Loan and lease loss provision to assets | 0.0619% | 2,896 |
| Net operating income to assets | 0.9124% | 2,801 |
| Return on assets (ROA) | 0.9618% | 2,715 |
| Pretax return on assets | 1.1315% | 3,083 |
| Return on Equity (ROE) | 6.1387% | 3,980 |
| Retained earnings to average equity (ytd only) | 2.1859% | 4,477 |
| Net charge-offs to loans | 0.0079% | 3,419 |
| Credit loss provision to net charge-offs | 2,000.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 366.6000% | 190 |
| Efficiency ratio | 71.7166% | 2,711 |
| Assets per employee ($millions) | 3.4560% | 4,822 |
| Cash dividends to net income (ytd only)* | 64.3915% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2246% | 3,219 |
| Loan loss allowance to noncurrent loans | 81.7734% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 0.6173% | 3,159 |
| Noncurrent loans to loans | 1.4976% | 1,459 |
| Net loans and leases to total assets | 37.4930% | 5,539 |
| Net loans and leases to deposits | 45.0537% | 5,529 |
| Net loans and leases to core deposits | 49.8816% | 5,437 |
| Total domestic deposits to total assets | 83.2185% | 3,566 |
| Equity capital to assets | 15.8920% | 564 |
| Core capital (leverage) ratio | 14.6056% | 696 |
| Tier 1 risk-based capital ratio | 34.4074% | 349 |
| Total risk-based capital ratio | 35.5316% | 345 |
| Memoranda: | ||
| Average total assets | $322,924,000 | 2,058 |
| Average earning assets | $308,458,000 | 1,996 |
| Average equity | $50,597,330 | 1,516 |
| Average total loans | $126,630,670 | 2,988 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4538% | 4,997 |
| Cost of funding earning assets | 0.3270% | 3,877 |
| Net interest margin | 3.1268% | 4,789 |
| Noninterest income to average assets | 1.0195% | 1,034 |
| Noninterest expense to average assets | 2.8312% | 2,952 |
| Loan and lease loss provision to assets | 0.0741% | 2,478 |
| Net operating income to assets | 0.9461% | 2,528 |
| Return on assets (ROA) | 0.9429% | 2,658 |
| Pretax return on assets | 1.0998% | 3,094 |
| Return on Equity (ROE) | 6.0607% | 3,958 |
| Retained earnings to average equity (ytd only) | 2.4862% | 4,263 |
| Net charge-offs to loans | 0.0496% | 2,048 |
| Credit loss provision to net charge-offs | 375.0000% | 738 |
| Earnings coverage of net charge-offs (x) | 59.5625% | 788 |
| Efficiency ratio | 70.6227% | 3,021 |
| Assets per employee ($millions) | 3.4324% | 4,910 |
| Cash dividends to net income (ytd only)* | 58.9777% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1305% | 3,880 |
| Loan loss allowance to noncurrent loans | 34.5546% | 5,195 |
| Noncurrent assets plus other real estate owned to assets | 1.3262% | 1,612 |
| Noncurrent loans to loans | 3.2717% | 451 |
| Net loans and leases to total assets | 39.1125% | 5,503 |
| Net loans and leases to deposits | 46.8286% | 5,470 |
| Net loans and leases to core deposits | 52.3322% | 5,332 |
| Total domestic deposits to total assets | 83.5227% | 3,701 |
| Equity capital to assets | 15.6886% | 569 |
| Core capital (leverage) ratio | 14.2614% | 743 |
| Tier 1 risk-based capital ratio | 33.1775% | 389 |
| Total risk-based capital ratio | 34.2296% | 388 |
| Memoranda: | ||
| Average total assets | $323,682,500 | 2,064 |
| Average earning assets | $309,458,500 | 1,999 |
| Average equity | $50,357,000 | 1,523 |
| Average total loans | $128,946,500 | 2,952 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4766% | 4,987 |
| Cost of funding earning assets | 0.3163% | 4,071 |
| Net interest margin | 3.1603% | 4,753 |
| Noninterest income to average assets | 0.8757% | 1,513 |
| Noninterest expense to average assets | 2.5822% | 3,982 |
| Loan and lease loss provision to assets | 0.0731% | 2,807 |
| Net operating income to assets | 1.0327% | 2,198 |
| Return on assets (ROA) | 1.0530% | 2,202 |
| Pretax return on assets | 1.2686% | 2,404 |
| Return on Equity (ROE) | 7.0087% | 3,510 |
| Retained earnings to average equity (ytd only) | 4.9819% | 2,433 |
| Net charge-offs to loans | 0.0182% | 3,921 |
| Credit loss provision to net charge-offs | 1,043.4783% | 320 |
| Earnings coverage of net charge-offs (x) | 188.0870% | 353 |
| Efficiency ratio | 66.2190% | 3,867 |
| Assets per employee ($millions) | 3.7324% | 4,407 |
| Cash dividends to net income (ytd only)* | 28.9184% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 4,186 |
| Loan loss allowance to noncurrent loans | 42.2276% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 1.0409% | 2,106 |
| Noncurrent loans to loans | 2.5435% | 712 |
| Net loans and leases to total assets | 39.6824% | 5,534 |
| Net loans and leases to deposits | 47.3524% | 5,506 |
| Net loans and leases to core deposits | 53.1749% | 5,361 |
| Total domestic deposits to total assets | 83.8022% | 3,563 |
| Equity capital to assets | 15.4273% | 611 |
| Core capital (leverage) ratio | 14.4942% | 715 |
| Tier 1 risk-based capital ratio | 32.7363% | 405 |
| Total risk-based capital ratio | 33.7446% | 404 |
| Memoranda: | ||
| Average total assets | $328,405,000 | 2,002 |
| Average earning assets | $314,215,200 | 1,933 |
| Average equity | $49,339,000 | 1,511 |
| Average total loans | $126,340,800 | 2,943 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4647% | 5,069 |
| Cost of funding earning assets | 0.3206% | 4,095 |
| Net interest margin | 3.1440% | 4,833 |
| Noninterest income to average assets | 0.8632% | 1,572 |
| Noninterest expense to average assets | 2.5607% | 4,013 |
| Loan and lease loss provision to assets | 0.0729% | 2,715 |
| Net operating income to assets | 1.0236% | 2,364 |
| Return on assets (ROA) | 1.0518% | 2,305 |
| Pretax return on assets | 1.2729% | 2,501 |
| Return on Equity (ROE) | 7.0476% | 3,594 |
| Retained earnings to average equity (ytd only) | 4.6062% | 3,194 |
| Net charge-offs to loans | 0.0734% | 2,512 |
| Credit loss provision to net charge-offs | 260.8696% | 1,100 |
| Earnings coverage of net charge-offs (x) | 46.9553% | 1,105 |
| Efficiency ratio | 66.1265% | 3,876 |
| Assets per employee ($millions) | 3.6102% | 4,590 |
| Cash dividends to net income (ytd only)* | 34.6421% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9876% | 4,807 |
| Loan loss allowance to noncurrent loans | 44.0545% | 5,114 |
| Noncurrent assets plus other real estate owned to assets | 0.9343% | 2,523 |
| Noncurrent loans to loans | 2.2419% | 968 |
| Net loans and leases to total assets | 40.3429% | 5,574 |
| Net loans and leases to deposits | 48.2489% | 5,550 |
| Net loans and leases to core deposits | 54.3371% | 5,385 |
| Total domestic deposits to total assets | 83.6142% | 3,567 |
| Equity capital to assets | 15.4827% | 648 |
| Core capital (leverage) ratio | 14.0163% | 858 |
| Tier 1 risk-based capital ratio | 32.1999% | 439 |
| Total risk-based capital ratio | 33.1322% | 439 |
| Memoranda: | ||
| Average total assets | $329,327,250 | 2,007 |
| Average earning assets | $315,212,250 | 1,930 |
| Average equity | $49,150,000 | 1,522 |
| Average total loans | $125,362,500 | 2,986 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4188% | 5,187 |
| Cost of funding earning assets | 0.3237% | 4,107 |
| Net interest margin | 3.0951% | 4,981 |
| Noninterest income to average assets | 0.8223% | 1,692 |
| Noninterest expense to average assets | 2.6066% | 3,882 |
| Loan and lease loss provision to assets | 0.0723% | 2,663 |
| Net operating income to assets | 0.9250% | 2,759 |
| Return on assets (ROA) | 0.9741% | 2,627 |
| Pretax return on assets | 1.1626% | 2,931 |
| Return on Equity (ROE) | 6.6066% | 3,828 |
| Retained earnings to average equity (ytd only) | 2.9295% | 4,171 |
| Net charge-offs to loans | 0.1004% | 2,004 |
| Credit loss provision to net charge-offs | 193.5484% | 1,270 |
| Earnings coverage of net charge-offs (x) | 31.5000% | 1,327 |
| Efficiency ratio | 68.9013% | 3,512 |
| Assets per employee ($millions) | 3.8294% | 4,204 |
| Cash dividends to net income (ytd only)* | 55.6586% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 4,962 |
| Loan loss allowance to noncurrent loans | 40.8701% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 0.9345% | 2,666 |
| Noncurrent loans to loans | 2.4000% | 953 |
| Net loans and leases to total assets | 37.1459% | 5,770 |
| Net loans and leases to deposits | 43.8994% | 5,772 |
| Net loans and leases to core deposits | 49.5360% | 5,629 |
| Total domestic deposits to total assets | 84.6160% | 3,288 |
| Equity capital to assets | 14.4925% | 818 |
| Core capital (leverage) ratio | 13.4611% | 997 |
| Tier 1 risk-based capital ratio | 32.0445% | 457 |
| Total risk-based capital ratio | 32.9543% | 461 |
| Memoranda: | ||
| Average total assets | $332,000,330 | 2,000 |
| Average earning assets | $317,600,000 | 1,930 |
| Average equity | $48,951,000 | 1,531 |
| Average total loans | $123,510,670 | 3,029 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4609% | 5,062 |
| Cost of funding earning assets | 0.3289% | 4,110 |
| Net interest margin | 3.1319% | 4,847 |
| Noninterest income to average assets | 0.8158% | 1,655 |
| Noninterest expense to average assets | 2.6015% | 3,913 |
| Loan and lease loss provision to assets | 0.0728% | 2,482 |
| Net operating income to assets | 0.9346% | 2,584 |
| Return on assets (ROA) | 1.0391% | 2,231 |
| Pretax return on assets | 1.2625% | 2,413 |
| Return on Equity (ROE) | 6.9867% | 3,511 |
| Retained earnings to average equity (ytd only) | 3.3138% | 3,996 |
| Net charge-offs to loans | 0.1573% | 1,320 |
| Credit loss provision to net charge-offs | 125.0000% | 1,404 |
| Earnings coverage of net charge-offs (x) | 20.7292% | 1,403 |
| Efficiency ratio | 68.2919% | 3,772 |
| Assets per employee ($millions) | 3.7492% | 4,419 |
| Cash dividends to net income (ytd only)* | 52.5701% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9587% | 5,207 |
| Loan loss allowance to noncurrent loans | 44.4527% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 0.8394% | 2,984 |
| Noncurrent loans to loans | 2.1566% | 1,185 |
| Net loans and leases to total assets | 36.9688% | 5,776 |
| Net loans and leases to deposits | 43.8932% | 5,764 |
| Net loans and leases to core deposits | 49.5629% | 5,609 |
| Total domestic deposits to total assets | 84.2245% | 3,724 |
| Equity capital to assets | 14.7448% | 766 |
| Core capital (leverage) ratio | 13.3956% | 1,014 |
| Tier 1 risk-based capital ratio | 32.6470% | 439 |
| Total risk-based capital ratio | 33.5459% | 442 |
| Memoranda: | ||
| Average total assets | $329,507,000 | 2,026 |
| Average earning assets | $314,949,500 | 1,959 |
| Average equity | $49,007,500 | 1,536 |
| Average total loans | $122,057,500 | 3,059 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4722% | 5,388 |
| Cost of funding earning assets | 0.3965% | 3,729 |
| Net interest margin | 3.0756% | 5,264 |
| Noninterest income to average assets | 0.9487% | 1,350 |
| Noninterest expense to average assets | 2.6898% | 3,906 |
| Loan and lease loss provision to assets | 0.0365% | 3,849 |
| Net operating income to assets | 0.9552% | 2,605 |
| Return on assets (ROA) | 0.9945% | 2,488 |
| Pretax return on assets | 1.2022% | 2,643 |
| Return on Equity (ROE) | 6.6300% | 3,826 |
| Retained earnings to average equity (ytd only) | 4.5118% | 2,960 |
| Net charge-offs to loans | 0.0172% | 4,516 |
| Credit loss provision to net charge-offs | 605.2632% | 436 |
| Earnings coverage of net charge-offs (x) | 197.3684% | 272 |
| Efficiency ratio | 69.3026% | 3,656 |
| Assets per employee ($millions) | 3.6970% | 4,533 |
| Cash dividends to net income (ytd only)* | 31.9489% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9886% | 5,123 |
| Loan loss allowance to noncurrent loans | 40.7586% | 5,358 |
| Noncurrent assets plus other real estate owned to assets | 0.9074% | 2,943 |
| Noncurrent loans to loans | 2.4255% | 1,064 |
| Net loans and leases to total assets | 36.3877% | 5,935 |
| Net loans and leases to deposits | 43.3024% | 5,910 |
| Net loans and leases to core deposits | 48.7365% | 5,776 |
| Total domestic deposits to total assets | 84.0317% | 3,706 |
| Equity capital to assets | 15.0044% | 703 |
| Core capital (leverage) ratio | 13.6493% | 922 |
| Tier 1 risk-based capital ratio | 33.3527% | 384 |
| Total risk-based capital ratio | 34.2704% | 389 |
| Memoranda: | ||
| Average total assets | $314,744,000 | 2,064 |
| Average earning assets | $300,100,600 | 1,996 |
| Average equity | $47,209,600 | 1,527 |
| Average total loans | $110,532,400 | 3,207 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4558% | 5,481 |
| Cost of funding earning assets | 0.3960% | 3,833 |
| Net interest margin | 3.0598% | 5,359 |
| Noninterest income to average assets | 0.9621% | 1,329 |
| Noninterest expense to average assets | 2.7004% | 3,822 |
| Loan and lease loss provision to assets | 0.0235% | 3,939 |
| Net operating income to assets | 0.9465% | 2,703 |
| Return on assets (ROA) | 1.0099% | 2,469 |
| Pretax return on assets | 1.2338% | 2,637 |
| Return on Equity (ROE) | 6.7337% | 3,833 |
| Retained earnings to average equity (ytd only) | 4.1701% | 3,683 |
| Net charge-offs to loans | 0.0099% | 4,390 |
| Credit loss provision to net charge-offs | 687.5000% | 436 |
| Earnings coverage of net charge-offs (x) | 345.1331% | 203 |
| Efficiency ratio | 69.5915% | 3,579 |
| Assets per employee ($millions) | 3.5236% | 4,820 |
| Cash dividends to net income (ytd only)* | 38.0711% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0164% | 5,139 |
| Loan loss allowance to noncurrent loans | 40.8141% | 5,425 |
| Noncurrent assets plus other real estate owned to assets | 0.8918% | 3,209 |
| Noncurrent loans to loans | 2.4904% | 1,181 |
| Net loans and leases to total assets | 34.7929% | 6,082 |
| Net loans and leases to deposits | 41.8620% | 6,058 |
| Net loans and leases to core deposits | 45.5210% | 5,972 |
| Total domestic deposits to total assets | 83.1134% | 4,097 |
| Equity capital to assets | 15.1664% | 703 |
| Core capital (leverage) ratio | 13.9646% | 850 |
| Tier 1 risk-based capital ratio | 34.6777% | 365 |
| Total risk-based capital ratio | 35.6066% | 371 |
| Memoranda: | ||
| Average total assets | $312,095,500 | 2,095 |
| Average earning assets | $297,660,500 | 2,026 |
| Average equity | $46,808,250 | 1,543 |
| Average total loans | $108,274,250 | 3,276 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4654% | 5,488 |
| Cost of funding earning assets | 0.4125% | 3,742 |
| Net interest margin | 3.0530% | 5,390 |
| Noninterest income to average assets | 0.9581% | 1,311 |
| Noninterest expense to average assets | 2.7846% | 3,563 |
| Loan and lease loss provision to assets | 0.0064% | 4,109 |
| Net operating income to assets | 0.9061% | 2,773 |
| Return on assets (ROA) | 0.8872% | 2,968 |
| Pretax return on assets | 1.0534% | 3,266 |
| Return on Equity (ROE) | 5.9380% | 4,182 |
| Retained earnings to average equity (ytd only) | 3.9975% | 3,638 |
| Net charge-offs to loans | -0.0037% | 5,131 |
| Credit loss provision to net charge-offs | -500.0000% | 5,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0093% | 3,340 |
| Assets per employee ($millions) | 3.4191% | 5,017 |
| Cash dividends to net income (ytd only)* | 32.6797% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0072% | 5,311 |
| Loan loss allowance to noncurrent loans | 54.4103% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 0.9278% | 3,223 |
| Noncurrent loans to loans | 1.8511% | 1,856 |
| Net loans and leases to total assets | 35.0707% | 6,102 |
| Net loans and leases to deposits | 42.3919% | 6,054 |
| Net loans and leases to core deposits | 46.2812% | 5,984 |
| Total domestic deposits to total assets | 82.7298% | 4,402 |
| Equity capital to assets | 15.4552% | 624 |
| Core capital (leverage) ratio | 13.8138% | 880 |
| Tier 1 risk-based capital ratio | 34.7202% | 357 |
| Total risk-based capital ratio | 35.6332% | 357 |
| Memoranda: | ||
| Average total assets | $310,420,000 | 2,102 |
| Average earning assets | $295,778,000 | 2,032 |
| Average equity | $46,379,000 | 1,544 |
| Average total loans | $107,209,330 | 3,302 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4249% | 5,593 |
| Cost of funding earning assets | 0.4279% | 3,666 |
| Net interest margin | 2.9970% | 5,528 |
| Noninterest income to average assets | 0.8891% | 1,431 |
| Noninterest expense to average assets | 2.7533% | 3,734 |
| Loan and lease loss provision to assets | 0.0064% | 3,737 |
| Net operating income to assets | 0.8391% | 2,954 |
| Return on assets (ROA) | 0.8391% | 3,029 |
| Pretax return on assets | 0.9866% | 3,378 |
| Return on Equity (ROE) | 5.7132% | 4,174 |
| Retained earnings to average equity (ytd only) | 1.7821% | 4,891 |
| Net charge-offs to loans | -0.0452% | 5,765 |
| Credit loss provision to net charge-offs | -41.6667% | 4,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4932% | 3,229 |
| Assets per employee ($millions) | 3.6717% | 4,583 |
| Cash dividends to net income (ytd only)* | 68.8073% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0434% | 5,337 |
| Loan loss allowance to noncurrent loans | 51.1121% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 0.8373% | 3,630 |
| Noncurrent loans to loans | 2.0413% | 1,818 |
| Net loans and leases to total assets | 33.1299% | 6,218 |
| Net loans and leases to deposits | 39.9070% | 6,170 |
| Net loans and leases to core deposits | 43.2362% | 6,109 |
| Total domestic deposits to total assets | 83.0178% | 4,599 |
| Equity capital to assets | 14.6681% | 743 |
| Core capital (leverage) ratio | 13.3342% | 1,024 |
| Tier 1 risk-based capital ratio | 35.4022% | 340 |
| Total risk-based capital ratio | 36.3538% | 341 |
| Memoranda: | ||
| Average total assets | $311,769,500 | 2,102 |
| Average earning assets | $297,235,000 | 2,030 |
| Average equity | $45,789,000 | 1,561 |
| Average total loans | $106,305,000 | 3,335 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5908% | 5,429 |
| Cost of funding earning assets | 0.4489% | 4,128 |
| Net interest margin | 3.1419% | 5,187 |
| Noninterest income to average assets | 1.0427% | 1,292 |
| Noninterest expense to average assets | 2.8190% | 3,660 |
| Loan and lease loss provision to assets | 0.0329% | 4,459 |
| Net operating income to assets | 0.9647% | 2,492 |
| Return on assets (ROA) | 0.9578% | 2,592 |
| Pretax return on assets | 1.1766% | 2,665 |
| Return on Equity (ROE) | 6.5095% | 3,828 |
| Retained earnings to average equity (ytd only) | 5.6148% | 2,203 |
| Net charge-offs to loans | 0.3219% | 2,073 |
| Credit loss provision to net charge-offs | 28.6533% | 4,277 |
| Earnings coverage of net charge-offs (x) | 10.6046% | 2,344 |
| Efficiency ratio | 69.8272% | 3,866 |
| Assets per employee ($millions) | 3.5376% | 4,830 |
| Cash dividends to net income (ytd only)* | 13.7457% | 3,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0160% | 5,482 |
| Loan loss allowance to noncurrent loans | 46.8305% | 5,395 |
| Noncurrent assets plus other real estate owned to assets | 0.9137% | 3,607 |
| Noncurrent loans to loans | 2.1694% | 1,809 |
| Net loans and leases to total assets | 34.3786% | 6,273 |
| Net loans and leases to deposits | 41.2925% | 6,259 |
| Net loans and leases to core deposits | 44.7255% | 6,196 |
| Total domestic deposits to total assets | 83.2562% | 4,452 |
| Equity capital to assets | 14.7060% | 736 |
| Core capital (leverage) ratio | 13.9083% | 851 |
| Tier 1 risk-based capital ratio | 34.9853% | 331 |
| Total risk-based capital ratio | 35.9158% | 335 |
| Memoranda: | ||
| Average total assets | $303,833,400 | 2,123 |
| Average earning assets | $289,574,000 | 2,048 |
| Average equity | $44,703,600 | 1,562 |
| Average total loans | $108,412,000 | 3,277 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6176% | 5,395 |
| Cost of funding earning assets | 0.4539% | 4,238 |
| Net interest margin | 3.1637% | 5,104 |
| Noninterest income to average assets | 1.0513% | 1,321 |
| Noninterest expense to average assets | 2.8388% | 3,531 |
| Loan and lease loss provision to assets | 0.0308% | 4,391 |
| Net operating income to assets | 0.9707% | 2,502 |
| Return on assets (ROA) | 0.9628% | 2,632 |
| Pretax return on assets | 1.1882% | 2,753 |
| Return on Equity (ROE) | 6.5432% | 3,907 |
| Retained earnings to average equity (ytd only) | 5.3465% | 2,835 |
| Net charge-offs to loans | 0.4130% | 1,559 |
| Credit loss provision to net charge-offs | 20.7715% | 4,065 |
| Earnings coverage of net charge-offs (x) | 8.2819% | 2,645 |
| Efficiency ratio | 69.7911% | 3,793 |
| Assets per employee ($millions) | 3.4538% | 4,944 |
| Cash dividends to net income (ytd only)* | 18.2899% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9955% | 5,749 |
| Loan loss allowance to noncurrent loans | 40.0150% | 5,629 |
| Noncurrent assets plus other real estate owned to assets | 1.0672% | 3,523 |
| Noncurrent loans to loans | 2.4879% | 1,739 |
| Net loans and leases to total assets | 35.7587% | 6,292 |
| Net loans and leases to deposits | 43.2529% | 6,250 |
| Net loans and leases to core deposits | 47.1030% | 6,164 |
| Total domestic deposits to total assets | 82.6736% | 4,694 |
| Equity capital to assets | 15.0983% | 697 |
| Core capital (leverage) ratio | 13.5962% | 982 |
| Tier 1 risk-based capital ratio | 33.7516% | 379 |
| Total risk-based capital ratio | 34.6503% | 379 |
| Memoranda: | ||
| Average total assets | $302,848,500 | 2,139 |
| Average earning assets | $288,727,250 | 2,064 |
| Average equity | $44,564,250 | 1,585 |
| Average total loans | $108,791,500 | 3,295 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5355% | 5,618 |
| Cost of funding earning assets | 0.4582% | 4,337 |
| Net interest margin | 3.0773% | 5,341 |
| Noninterest income to average assets | 1.0440% | 1,399 |
| Noninterest expense to average assets | 2.7855% | 3,721 |
| Loan and lease loss provision to assets | 0.0262% | 4,392 |
| Net operating income to assets | 0.9406% | 2,614 |
| Return on assets (ROA) | 0.9305% | 2,798 |
| Pretax return on assets | 1.1549% | 2,866 |
| Return on Equity (ROE) | 6.3773% | 3,947 |
| Retained earnings to average equity (ytd only) | 4.5783% | 3,357 |
| Net charge-offs to loans | 0.5545% | 1,191 |
| Credit loss provision to net charge-offs | 13.2013% | 3,851 |
| Earnings coverage of net charge-offs (x) | 6.0033% | 2,785 |
| Efficiency ratio | 70.0033% | 3,825 |
| Assets per employee ($millions) | 3.5464% | 4,765 |
| Cash dividends to net income (ytd only)* | 28.2087% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9791% | 5,897 |
| Loan loss allowance to noncurrent loans | 41.8586% | 5,546 |
| Noncurrent assets plus other real estate owned to assets | 1.0201% | 3,716 |
| Noncurrent loans to loans | 2.3390% | 2,013 |
| Net loans and leases to total assets | 35.9672% | 6,303 |
| Net loans and leases to deposits | 43.3571% | 6,265 |
| Net loans and leases to core deposits | 47.0732% | 6,174 |
| Total domestic deposits to total assets | 82.9559% | 4,711 |
| Equity capital to assets | 14.6931% | 782 |
| Core capital (leverage) ratio | 12.9549% | 1,183 |
| Tier 1 risk-based capital ratio | 32.7070% | 417 |
| Total risk-based capital ratio | 33.5983% | 422 |
| Memoranda: | ||
| Average total assets | $304,789,000 | 2,132 |
| Average earning assets | $290,711,330 | 2,050 |
| Average equity | $44,470,330 | 1,594 |
| Average total loans | $109,295,000 | 3,287 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5510% | 5,575 |
| Cost of funding earning assets | 0.4637% | 4,443 |
| Net interest margin | 3.0873% | 5,311 |
| Noninterest income to average assets | 0.9920% | 1,483 |
| Noninterest expense to average assets | 2.7657% | 3,812 |
| Loan and lease loss provision to assets | 0.0131% | 4,288 |
| Net operating income to assets | 0.9327% | 2,507 |
| Return on assets (ROA) | 0.9150% | 2,733 |
| Pretax return on assets | 1.1368% | 2,832 |
| Return on Equity (ROE) | 6.2926% | 3,889 |
| Retained earnings to average equity (ytd only) | 6.2926% | 2,515 |
| Net charge-offs to loans | 1.0733% | 560 |
| Credit loss provision to net charge-offs | 3.4130% | 3,207 |
| Earnings coverage of net charge-offs (x) | 3.0648% | 2,851 |
| Efficiency ratio | 70.2353% | 3,930 |
| Assets per employee ($millions) | 3.6048% | 4,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 6,053 |
| Loan loss allowance to noncurrent loans | 32.8750% | 5,919 |
| Noncurrent assets plus other real estate owned to assets | 1.2022% | 3,566 |
| Noncurrent loans to loans | 2.9757% | 1,688 |
| Net loans and leases to total assets | 34.3487% | 6,400 |
| Net loans and leases to deposits | 41.4080% | 6,354 |
| Net loans and leases to core deposits | 45.2478% | 6,252 |
| Total domestic deposits to total assets | 82.9518% | 4,869 |
| Equity capital to assets | 14.5712% | 857 |
| Core capital (leverage) ratio | 12.7446% | 1,220 |
| Tier 1 risk-based capital ratio | 32.2370% | 441 |
| Total risk-based capital ratio | 33.1061% | 453 |
| Memoranda: | ||
| Average total assets | $306,463,000 | 2,142 |
| Average earning assets | $292,423,000 | 2,063 |
| Average equity | $44,560,000 | 1,608 |
| Average total loans | $109,196,500 | 3,303 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0244% | 5,227 |
| Cost of funding earning assets | 0.5607% | 4,723 |
| Net interest margin | 3.4637% | 4,654 |
| Noninterest income to average assets | 1.1404% | 1,198 |
| Noninterest expense to average assets | 2.8724% | 3,751 |
| Loan and lease loss provision to assets | 0.0539% | 5,131 |
| Net operating income to assets | 1.2189% | 1,534 |
| Return on assets (ROA) | 1.1697% | 1,863 |
| Pretax return on assets | 1.4455% | 1,875 |
| Return on Equity (ROE) | 8.0168% | 3,069 |
| Retained earnings to average equity (ytd only) | 2.4720% | 4,492 |
| Net charge-offs to loans | -0.0462% | 6,691 |
| Credit loss provision to net charge-offs | -290.9091% | 6,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8034% | 4,740 |
| Assets per employee ($millions) | 3.5223% | 4,967 |
| Cash dividends to net income (ytd only)* | 69.1643% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 5,088 |
| Loan loss allowance to noncurrent loans | 33.9177% | 5,899 |
| Noncurrent assets plus other real estate owned to assets | 1.4558% | 3,196 |
| Noncurrent loans to loans | 3.5505% | 1,394 |
| Net loans and leases to total assets | 36.1558% | 6,424 |
| Net loans and leases to deposits | 43.5340% | 6,396 |
| Net loans and leases to core deposits | 47.7895% | 6,280 |
| Total domestic deposits to total assets | 83.0518% | 4,703 |
| Equity capital to assets | 14.5083% | 866 |
| Core capital (leverage) ratio | 12.8390% | 1,182 |
| Tier 1 risk-based capital ratio | 31.5526% | 447 |
| Total risk-based capital ratio | 32.6519% | 445 |
| Memoranda: | ||
| Average total assets | $296,650,400 | 2,161 |
| Average earning assets | $281,952,600 | 2,087 |
| Average equity | $43,284,200 | 1,609 |
| Average total loans | $118,987,400 | 3,101 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0898% | 5,227 |
| Cost of funding earning assets | 0.5673% | 4,939 |
| Net interest margin | 3.5225% | 4,553 |
| Noninterest income to average assets | 1.1883% | 1,073 |
| Noninterest expense to average assets | 2.8552% | 3,771 |
| Loan and lease loss provision to assets | 0.0090% | 5,694 |
| Net operating income to assets | 1.3411% | 1,347 |
| Return on assets (ROA) | 1.2909% | 1,608 |
| Pretax return on assets | 1.6085% | 1,551 |
| Return on Equity (ROE) | 8.8344% | 2,883 |
| Retained earnings to average equity (ytd only) | 6.9791% | 2,146 |
| Net charge-offs to loans | -0.1168% | 6,885 |
| Credit loss provision to net charge-offs | -18.8679% | 6,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9508% | 4,985 |
| Assets per employee ($millions) | 3.5131% | 4,949 |
| Cash dividends to net income (ytd only)* | 21.0010% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0759% | 5,816 |
| Loan loss allowance to noncurrent loans | 30.2795% | 6,115 |
| Noncurrent assets plus other real estate owned to assets | 1.5700% | 3,240 |
| Noncurrent loans to loans | 3.5533% | 1,525 |
| Net loans and leases to total assets | 38.8218% | 6,365 |
| Net loans and leases to deposits | 47.6722% | 6,278 |
| Net loans and leases to core deposits | 53.1852% | 6,104 |
| Total domestic deposits to total assets | 81.4349% | 5,219 |
| Equity capital to assets | 15.3272% | 746 |
| Core capital (leverage) ratio | 13.5511% | 996 |
| Tier 1 risk-based capital ratio | 32.3348% | 430 |
| Total risk-based capital ratio | 33.3546% | 432 |
| Memoranda: | ||
| Average total assets | $295,083,750 | 2,192 |
| Average earning assets | $280,400,250 | 2,117 |
| Average equity | $43,118,250 | 1,629 |
| Average total loans | $121,020,000 | 3,094 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1229% | 5,234 |
| Cost of funding earning assets | 0.5828% | 5,050 |
| Net interest margin | 3.5402% | 4,505 |
| Noninterest income to average assets | 1.2715% | 883 |
| Noninterest expense to average assets | 2.8358% | 3,882 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4485% | 1,090 |
| Return on assets (ROA) | 1.4084% | 1,309 |
| Pretax return on assets | 1.7460% | 1,147 |
| Return on Equity (ROE) | 9.7986% | 2,445 |
| Retained earnings to average equity (ytd only) | 6.9693% | 2,118 |
| Net charge-offs to loans | -0.2851% | 7,063 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2323% | 5,379 |
| Assets per employee ($millions) | 3.4170% | 5,176 |
| Cash dividends to net income (ytd only)* | 28.8739% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0970% | 5,783 |
| Loan loss allowance to noncurrent loans | 34.3228% | 5,958 |
| Noncurrent assets plus other real estate owned to assets | 1.4619% | 3,519 |
| Noncurrent loans to loans | 3.1960% | 1,819 |
| Net loans and leases to total assets | 39.7318% | 6,364 |
| Net loans and leases to deposits | 48.3616% | 6,290 |
| Net loans and leases to core deposits | 54.4819% | 6,061 |
| Total domestic deposits to total assets | 82.1558% | 5,069 |
| Equity capital to assets | 14.7561% | 844 |
| Core capital (leverage) ratio | 13.1603% | 1,103 |
| Tier 1 risk-based capital ratio | 31.1599% | 474 |
| Total risk-based capital ratio | 32.2018% | 473 |
| Memoranda: | ||
| Average total assets | $295,079,330 | 2,190 |
| Average earning assets | $280,042,670 | 2,127 |
| Average equity | $42,414,330 | 1,648 |
| Average total loans | $122,757,330 | 3,074 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1070% | 5,427 |
| Cost of funding earning assets | 0.5987% | 5,145 |
| Net interest margin | 3.5083% | 4,653 |
| Noninterest income to average assets | 1.4948% | 644 |
| Noninterest expense to average assets | 2.8165% | 3,963 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6705% | 759 |
| Return on assets (ROA) | 1.6166% | 938 |
| Pretax return on assets | 1.9426% | 816 |
| Return on Equity (ROE) | 11.3972% | 1,872 |
| Retained earnings to average equity (ytd only) | 11.3972% | 944 |
| Net charge-offs to loans | -0.7577% | 7,189 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3847% | 5,863 |
| Assets per employee ($millions) | 3.5891% | 4,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0969% | 5,914 |
| Loan loss allowance to noncurrent loans | 29.6224% | 6,197 |
| Noncurrent assets plus other real estate owned to assets | 1.6906% | 3,322 |
| Noncurrent loans to loans | 3.7028% | 1,673 |
| Net loans and leases to total assets | 40.5852% | 6,299 |
| Net loans and leases to deposits | 49.0240% | 6,221 |
| Net loans and leases to core deposits | 54.9901% | 5,985 |
| Total domestic deposits to total assets | 82.7863% | 5,016 |
| Equity capital to assets | 14.2291% | 942 |
| Core capital (leverage) ratio | 12.9554% | 1,143 |
| Tier 1 risk-based capital ratio | 29.7465% | 532 |
| Total risk-based capital ratio | 30.7965% | 534 |
| Memoranda: | ||
| Average total assets | $295,686,500 | 2,195 |
| Average earning assets | $280,594,500 | 2,128 |
| Average equity | $41,940,000 | 1,650 |
| Average total loans | $125,109,500 | 3,045 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2292% | 5,980 |
| Cost of funding earning assets | 0.7535% | 5,183 |
| Net interest margin | 3.4756% | 5,236 |
| Noninterest income to average assets | 1.3124% | 750 |
| Noninterest expense to average assets | 3.0126% | 3,548 |
| Loan and lease loss provision to assets | 0.0419% | 6,049 |
| Net operating income to assets | 1.2929% | 1,268 |
| Return on assets (ROA) | 1.2541% | 1,466 |
| Pretax return on assets | 1.5051% | 1,451 |
| Return on Equity (ROE) | 8.8406% | 2,525 |
| Retained earnings to average equity (ytd only) | 4.4117% | 3,033 |
| Net charge-offs to loans | 0.0766% | 5,557 |
| Credit loss provision to net charge-offs | 118.8119% | 2,695 |
| Earnings coverage of net charge-offs (x) | 45.2079% | 607 |
| Efficiency ratio | 65.4012% | 4,883 |
| Assets per employee ($millions) | 3.4926% | 5,029 |
| Cash dividends to net income (ytd only)* | 50.0974% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8854% | 6,568 |
| Loan loss allowance to noncurrent loans | 42.7481% | 5,443 |
| Noncurrent assets plus other real estate owned to assets | 1.1004% | 4,418 |
| Noncurrent loans to loans | 2.0711% | 3,110 |
| Net loans and leases to total assets | 43.2525% | 6,268 |
| Net loans and leases to deposits | 52.1757% | 6,197 |
| Net loans and leases to core deposits | 58.9996% | 5,934 |
| Total domestic deposits to total assets | 82.8978% | 4,788 |
| Equity capital to assets | 14.1369% | 1,017 |
| Core capital (leverage) ratio | 13.0423% | 1,121 |
| Tier 1 risk-based capital ratio | 28.4273% | 593 |
| Total risk-based capital ratio | 29.2820% | 613 |
| Memoranda: | ||
| Average total assets | $286,495,400 | 2,225 |
| Average earning assets | $271,518,800 | 2,157 |
| Average equity | $40,642,200 | 1,656 |
| Average total loans | $131,928,600 | 2,956 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2491% | 6,082 |
| Cost of funding earning assets | 0.7719% | 5,323 |
| Net interest margin | 3.4771% | 5,285 |
| Noninterest income to average assets | 1.3928% | 673 |
| Noninterest expense to average assets | 2.9742% | 3,658 |
| Loan and lease loss provision to assets | 0.0467% | 5,857 |
| Net operating income to assets | 1.3926% | 1,172 |
| Return on assets (ROA) | 1.3480% | 1,360 |
| Pretax return on assets | 1.6150% | 1,346 |
| Return on Equity (ROE) | 9.4941% | 2,394 |
| Retained earnings to average equity (ytd only) | 9.4941% | 988 |
| Net charge-offs to loans | 0.0920% | 5,051 |
| Credit loss provision to net charge-offs | 108.6957% | 3,035 |
| Earnings coverage of net charge-offs (x) | 39.9468% | 773 |
| Efficiency ratio | 63.4219% | 5,161 |
| Assets per employee ($millions) | 3.2925% | 5,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8505% | 6,723 |
| Loan loss allowance to noncurrent loans | 24.1244% | 6,528 |
| Noncurrent assets plus other real estate owned to assets | 1.8192% | 3,367 |
| Noncurrent loans to loans | 3.5256% | 1,951 |
| Net loans and leases to total assets | 45.6582% | 6,174 |
| Net loans and leases to deposits | 56.1676% | 6,019 |
| Net loans and leases to core deposits | 63.4778% | 5,675 |
| Total domestic deposits to total assets | 81.2892% | 5,341 |
| Equity capital to assets | 14.9301% | 868 |
| Core capital (leverage) ratio | 13.6168% | 1,011 |
| Tier 1 risk-based capital ratio | 29.2547% | 587 |
| Total risk-based capital ratio | 30.1008% | 591 |
| Memoranda: | ||
| Average total assets | $285,647,750 | 2,232 |
| Average earning assets | $270,829,500 | 2,170 |
| Average equity | $40,557,500 | 1,660 |
| Average total loans | $133,285,000 | 2,949 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2118% | 6,258 |
| Cost of funding earning assets | 0.7987% | 5,372 |
| Net interest margin | 3.4130% | 5,511 |
| Noninterest income to average assets | 1.4989% | 574 |
| Noninterest expense to average assets | 2.9608% | 3,788 |
| Loan and lease loss provision to assets | 0.0279% | 5,954 |
| Net operating income to assets | 1.4906% | 907 |
| Return on assets (ROA) | 1.4242% | 1,098 |
| Pretax return on assets | 1.6657% | 1,121 |
| Return on Equity (ROE) | 10.2038% | 2,048 |
| Retained earnings to average equity (ytd only) | 10.2038% | 805 |
| Net charge-offs to loans | 0.0775% | 4,864 |
| Credit loss provision to net charge-offs | 76.9231% | 3,858 |
| Earnings coverage of net charge-offs (x) | 48.8077% | 635 |
| Efficiency ratio | 62.5608% | 5,486 |
| Assets per employee ($millions) | 3.4962% | 4,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8239% | 6,827 |
| Loan loss allowance to noncurrent loans | 18.3519% | 6,771 |
| Noncurrent assets plus other real estate owned to assets | 2.2489% | 2,916 |
| Noncurrent loans to loans | 4.4897% | 1,480 |
| Net loans and leases to total assets | 45.1707% | 6,337 |
| Net loans and leases to deposits | 55.0756% | 6,221 |
| Net loans and leases to core deposits | 62.4464% | 5,866 |
| Total domestic deposits to total assets | 82.0158% | 5,161 |
| Equity capital to assets | 14.2583% | 1,011 |
| Core capital (leverage) ratio | 12.9955% | 1,164 |
| Tier 1 risk-based capital ratio | 27.9195% | 662 |
| Total risk-based capital ratio | 28.7303% | 680 |
| Memoranda: | ||
| Average total assets | $286,479,670 | 2,233 |
| Average earning assets | $271,429,670 | 2,167 |
| Average equity | $39,985,000 | 1,675 |
| Average total loans | $134,249,670 | 2,958 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2603% | 6,125 |
| Cost of funding earning assets | 0.8375% | 5,347 |
| Net interest margin | 3.4228% | 5,332 |
| Noninterest income to average assets | 1.1608% | 960 |
| Noninterest expense to average assets | 2.9470% | 3,867 |
| Loan and lease loss provision to assets | 0.0562% | 5,300 |
| Net operating income to assets | 1.1597% | 1,628 |
| Return on assets (ROA) | 1.0442% | 2,077 |
| Pretax return on assets | 1.2578% | 2,169 |
| Return on Equity (ROE) | 7.5644% | 3,122 |
| Retained earnings to average equity (ytd only) | 7.5644% | 1,913 |
| Net charge-offs to loans | 0.0769% | 4,172 |
| Credit loss provision to net charge-offs | 153.8462% | 1,861 |
| Earnings coverage of net charge-offs (x) | 39.7692% | 686 |
| Efficiency ratio | 66.9754% | 4,855 |
| Assets per employee ($millions) | 3.4832% | 5,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8335% | 6,853 |
| Loan loss allowance to noncurrent loans | 37.3284% | 5,807 |
| Noncurrent assets plus other real estate owned to assets | 1.2615% | 4,426 |
| Noncurrent loans to loans | 2.2329% | 3,280 |
| Net loans and leases to total assets | 45.8850% | 6,298 |
| Net loans and leases to deposits | 56.3473% | 6,099 |
| Net loans and leases to core deposits | 64.5699% | 5,670 |
| Total domestic deposits to total assets | 81.4326% | 5,523 |
| Equity capital to assets | 13.9511% | 1,018 |
| Core capital (leverage) ratio | 12.5675% | 1,295 |
| Tier 1 risk-based capital ratio | 27.1883% | 692 |
| Total risk-based capital ratio | 28.0257% | 706 |
| Memoranda: | ||
| Average total assets | $284,625,500 | 2,268 |
| Average earning assets | $269,372,000 | 2,204 |
| Average equity | $39,289,500 | 1,688 |
| Average total loans | $135,290,000 | 2,979 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6006% | 6,114 |
| Cost of funding earning assets | 1.0537% | 5,408 |
| Net interest margin | 3.5469% | 5,050 |
| Noninterest income to average assets | 1.1505% | 1,120 |
| Noninterest expense to average assets | 3.0324% | 3,723 |
| Loan and lease loss provision to assets | 0.0888% | 6,261 |
| Net operating income to assets | 1.1250% | 1,625 |
| Return on assets (ROA) | 1.1110% | 1,753 |
| Pretax return on assets | 1.3559% | 1,778 |
| Return on Equity (ROE) | 8.3814% | 2,544 |
| Retained earnings to average equity (ytd only) | 4.2823% | 2,847 |
| Net charge-offs to loans | 0.2224% | 4,955 |
| Credit loss provision to net charge-offs | 84.1924% | 5,379 |
| Earnings coverage of net charge-offs (x) | 13.8660% | 1,383 |
| Efficiency ratio | 67.4754% | 4,674 |
| Assets per employee ($millions) | 3.3753% | 5,231 |
| Cash dividends to net income (ytd only)* | 48.9077% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8055% | 6,956 |
| Loan loss allowance to noncurrent loans | 39.7117% | 5,654 |
| Noncurrent assets plus other real estate owned to assets | 1.2479% | 4,530 |
| Noncurrent loans to loans | 2.0284% | 3,521 |
| Net loans and leases to total assets | 48.4415% | 6,345 |
| Net loans and leases to deposits | 59.2105% | 6,134 |
| Net loans and leases to core deposits | 66.2191% | 5,852 |
| Total domestic deposits to total assets | 81.8125% | 5,243 |
| Equity capital to assets | 13.6521% | 1,141 |
| Core capital (leverage) ratio | 12.8797% | 1,167 |
| Tier 1 risk-based capital ratio | 26.3429% | 728 |
| Total risk-based capital ratio | 27.1616% | 742 |
| Memoranda: | ||
| Average total assets | $276,050,600 | 2,313 |
| Average earning assets | $260,227,400 | 2,256 |
| Average equity | $36,592,800 | 1,811 |
| Average total loans | $130,825,600 | 3,110 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6326% | 6,251 |
| Cost of funding earning assets | 1.1012% | 5,410 |
| Net interest margin | 3.5314% | 5,178 |
| Noninterest income to average assets | 1.1693% | 1,020 |
| Noninterest expense to average assets | 3.0503% | 3,571 |
| Loan and lease loss provision to assets | 0.0897% | 6,148 |
| Net operating income to assets | 1.1121% | 1,847 |
| Return on assets (ROA) | 1.1121% | 1,958 |
| Pretax return on assets | 1.3564% | 2,016 |
| Return on Equity (ROE) | 8.4539% | 2,710 |
| Retained earnings to average equity (ytd only) | 8.4539% | 1,253 |
| Net charge-offs to loans | 0.2062% | 4,709 |
| Credit loss provision to net charge-offs | 92.5000% | 4,673 |
| Earnings coverage of net charge-offs (x) | 14.9150% | 1,472 |
| Efficiency ratio | 67.8383% | 4,495 |
| Assets per employee ($millions) | 3.3008% | 5,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8330% | 6,936 |
| Loan loss allowance to noncurrent loans | 33.8011% | 6,076 |
| Noncurrent assets plus other real estate owned to assets | 1.4746% | 4,242 |
| Noncurrent loans to loans | 2.4643% | 3,162 |
| Net loans and leases to total assets | 49.1902% | 6,411 |
| Net loans and leases to deposits | 60.4511% | 6,274 |
| Net loans and leases to core deposits | 68.1311% | 5,924 |
| Total domestic deposits to total assets | 81.3720% | 5,245 |
| Equity capital to assets | 14.1257% | 1,128 |
| Core capital (leverage) ratio | 13.1651% | 1,168 |
| Tier 1 risk-based capital ratio | 27.1224% | 684 |
| Total risk-based capital ratio | 27.9709% | 697 |
| Memoranda: | ||
| Average total assets | $275,026,250 | 2,352 |
| Average earning assets | $259,113,750 | 2,295 |
| Average equity | $36,179,500 | 1,847 |
| Average total loans | $129,329,500 | 3,181 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6926% | 6,168 |
| Cost of funding earning assets | 1.1566% | 5,359 |
| Net interest margin | 3.5360% | 5,104 |
| Noninterest income to average assets | 1.1511% | 971 |
| Noninterest expense to average assets | 3.0779% | 3,402 |
| Loan and lease loss provision to assets | 0.0908% | 6,017 |
| Net operating income to assets | 1.0807% | 1,919 |
| Return on assets (ROA) | 1.0807% | 1,994 |
| Pretax return on assets | 1.3109% | 2,052 |
| Return on Equity (ROE) | 8.4212% | 2,700 |
| Retained earnings to average equity (ytd only) | 8.4212% | 1,288 |
| Net charge-offs to loans | 0.2470% | 4,111 |
| Credit loss provision to net charge-offs | 79.6178% | 4,720 |
| Earnings coverage of net charge-offs (x) | 12.2930% | 1,687 |
| Efficiency ratio | 68.7095% | 4,439 |
| Assets per employee ($millions) | 3.3455% | 5,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8407% | 6,936 |
| Loan loss allowance to noncurrent loans | 40.9174% | 5,607 |
| Noncurrent assets plus other real estate owned to assets | 1.4089% | 4,363 |
| Noncurrent loans to loans | 2.0547% | 3,648 |
| Net loans and leases to total assets | 47.9375% | 6,626 |
| Net loans and leases to deposits | 58.2691% | 6,556 |
| Net loans and leases to core deposits | 65.7111% | 6,268 |
| Total domestic deposits to total assets | 82.2692% | 4,881 |
| Equity capital to assets | 13.3059% | 1,434 |
| Core capital (leverage) ratio | 12.5806% | 1,373 |
| Tier 1 risk-based capital ratio | 26.3920% | 745 |
| Total risk-based capital ratio | 27.2238% | 761 |
| Memoranda: | ||
| Average total assets | $275,378,670 | 2,366 |
| Average earning assets | $259,216,000 | 2,312 |
| Average equity | $35,339,330 | 1,889 |
| Average total loans | $127,140,000 | 3,255 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7205% | 6,175 |
| Cost of funding earning assets | 1.2110% | 5,338 |
| Net interest margin | 3.5095% | 5,114 |
| Noninterest income to average assets | 1.1410% | 962 |
| Noninterest expense to average assets | 3.0605% | 3,432 |
| Loan and lease loss provision to assets | 0.0942% | 5,683 |
| Net operating income to assets | 1.0540% | 1,992 |
| Return on assets (ROA) | 1.0540% | 2,053 |
| Pretax return on assets | 1.2845% | 2,092 |
| Return on Equity (ROE) | 8.3664% | 2,708 |
| Retained earnings to average equity (ytd only) | 8.3664% | 1,570 |
| Net charge-offs to loans | 0.3505% | 3,005 |
| Credit loss provision to net charge-offs | 59.6330% | 4,309 |
| Earnings coverage of net charge-offs (x) | 8.7248% | 1,930 |
| Efficiency ratio | 68.9419% | 4,516 |
| Assets per employee ($millions) | 3.4280% | 5,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8467% | 6,999 |
| Loan loss allowance to noncurrent loans | 91.3079% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.4297% | 6,397 |
| Noncurrent loans to loans | 0.9273% | 5,465 |
| Net loans and leases to total assets | 45.9493% | 6,835 |
| Net loans and leases to deposits | 55.6428% | 6,802 |
| Net loans and leases to core deposits | 62.2744% | 6,576 |
| Total domestic deposits to total assets | 82.5790% | 4,813 |
| Equity capital to assets | 12.6323% | 1,690 |
| Core capital (leverage) ratio | 12.4312% | 1,434 |
| Tier 1 risk-based capital ratio | 24.9190% | 877 |
| Total risk-based capital ratio | 25.7130% | 897 |
| Memoranda: | ||
| Average total assets | $275,903,000 | 2,419 |
| Average earning assets | $259,294,000 | 2,354 |
| Average equity | $34,758,000 | 1,935 |
| Average total loans | $124,399,000 | 3,375 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5212% | 4,032 |
| Cost of funding earning assets | 1.4877% | 5,560 |
| Net interest margin | 4.0335% | 2,730 |
| Noninterest income to average assets | 1.1570% | 1,152 |
| Noninterest expense to average assets | 2.8568% | 4,715 |
| Loan and lease loss provision to assets | 0.1347% | 6,296 |
| Net operating income to assets | 1.5577% | 601 |
| Return on assets (ROA) | 1.4862% | 751 |
| Pretax return on assets | 1.8632% | 554 |
| Return on Equity (ROE) | 12.0474% | 1,150 |
| Retained earnings to average equity (ytd only) | 1.1371% | 4,253 |
| Net charge-offs to loans | 0.3141% | 4,670 |
| Credit loss provision to net charge-offs | 109.0909% | 5,061 |
| Earnings coverage of net charge-offs (x) | 16.9091% | 1,223 |
| Efficiency ratio | 57.7816% | 6,792 |
| Assets per employee ($millions) | 3.3013% | 5,485 |
| Cash dividends to net income (ytd only)* | 90.5613% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9677% | 6,544 |
| Loan loss allowance to noncurrent loans | 62.5409% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 0.6775% | 5,765 |
| Noncurrent loans to loans | 1.5472% | 4,335 |
| Net loans and leases to total assets | 43.3624% | 7,153 |
| Net loans and leases to deposits | 52.5800% | 7,126 |
| Net loans and leases to core deposits | 63.4718% | 7,122 |
| Total domestic deposits to total assets | 82.4694% | 4,749 |
| Equity capital to assets | 12.5622% | 1,719 |
| Core capital (leverage) ratio | 12.6402% | 1,387 |
| Tier 1 risk-based capital ratio | 25.1067% | 831 |
| Total risk-based capital ratio | 25.9564% | 853 |
| Memoranda: | ||
| Average total assets | $267,329,200 | 2,451 |
| Average earning assets | $250,995,400 | 2,391 |
| Average equity | $32,978,200 | 2,033 |
| Average total loans | $105,048,200 | 3,803 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6639% | 3,504 |
| Cost of funding earning assets | 1.5492% | 5,639 |
| Net interest margin | 4.1147% | 2,335 |
| Noninterest income to average assets | 1.1222% | 1,258 |
| Noninterest expense to average assets | 2.8264% | 4,780 |
| Loan and lease loss provision to assets | 0.1501% | 5,849 |
| Net operating income to assets | 1.5695% | 705 |
| Return on assets (ROA) | 1.5695% | 760 |
| Pretax return on assets | 2.0128% | 528 |
| Return on Equity (ROE) | 12.7825% | 1,149 |
| Retained earnings to average equity (ytd only) | 6.2710% | 1,821 |
| Net charge-offs to loans | 0.3383% | 3,947 |
| Credit loss provision to net charge-offs | 116.2791% | 4,369 |
| Earnings coverage of net charge-offs (x) | 16.7559% | 1,450 |
| Efficiency ratio | 56.6486% | 6,915 |
| Assets per employee ($millions) | 3.1999% | 5,647 |
| Cash dividends to net income (ytd only)* | 50.9403% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0336% | 6,091 |
| Loan loss allowance to noncurrent loans | 92.7200% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.4764% | 6,276 |
| Noncurrent loans to loans | 1.1148% | 5,085 |
| Net loans and leases to total assets | 42.2915% | 7,342 |
| Net loans and leases to deposits | 51.6421% | 7,319 |
| Net loans and leases to core deposits | 61.7634% | 7,333 |
| Total domestic deposits to total assets | 81.8934% | 4,715 |
| Equity capital to assets | 12.9989% | 1,696 |
| Core capital (leverage) ratio | 13.4548% | 1,243 |
| Tier 1 risk-based capital ratio | 26.5804% | 784 |
| Total risk-based capital ratio | 27.4593% | 787 |
| Memoranda: | ||
| Average total assets | $266,484,250 | 2,463 |
| Average earning assets | $250,444,000 | 2,421 |
| Average equity | $32,721,000 | 2,064 |
| Average total loans | $101,677,000 | 3,941 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7821% | 3,129 |
| Cost of funding earning assets | 1.6317% | 5,600 |
| Net interest margin | 4.1504% | 2,156 |
| Noninterest income to average assets | 1.1006% | 1,311 |
| Noninterest expense to average assets | 2.8255% | 4,849 |
| Loan and lease loss provision to assets | 0.1792% | 5,250 |
| Net operating income to assets | 1.5404% | 768 |
| Return on assets (ROA) | 1.5404% | 823 |
| Pretax return on assets | 1.9914% | 583 |
| Return on Equity (ROE) | 12.7904% | 1,221 |
| Retained earnings to average equity (ytd only) | 9.1696% | 897 |
| Net charge-offs to loans | 0.5133% | 2,786 |
| Credit loss provision to net charge-offs | 95.2381% | 4,763 |
| Earnings coverage of net charge-offs (x) | 11.5357% | 1,895 |
| Efficiency ratio | 56.5536% | 7,047 |
| Assets per employee ($millions) | 3.2402% | 5,478 |
| Cash dividends to net income (ytd only)* | 28.3083% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 5,707 |
| Loan loss allowance to noncurrent loans | 177.6527% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.2370% | 6,902 |
| Noncurrent loans to loans | 0.6098% | 6,040 |
| Net loans and leases to total assets | 38.4395% | 7,626 |
| Net loans and leases to deposits | 47.0817% | 7,593 |
| Net loans and leases to core deposits | 56.1459% | 7,584 |
| Total domestic deposits to total assets | 81.6444% | 4,840 |
| Equity capital to assets | 12.4256% | 1,960 |
| Core capital (leverage) ratio | 13.1663% | 1,380 |
| Tier 1 risk-based capital ratio | 27.0669% | 775 |
| Total risk-based capital ratio | 27.9216% | 779 |
| Memoranda: | ||
| Average total assets | $267,848,670 | 2,461 |
| Average earning assets | $251,397,000 | 2,427 |
| Average equity | $32,258,670 | 2,103 |
| Average total loans | $98,193,330 | 4,059 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7919% | 3,343 |
| Cost of funding earning assets | 1.7049% | 5,577 |
| Net interest margin | 4.0870% | 2,325 |
| Noninterest income to average assets | 1.0601% | 1,321 |
| Noninterest expense to average assets | 2.6717% | 5,143 |
| Loan and lease loss provision to assets | 0.0887% | 5,827 |
| Net operating income to assets | 1.6411% | 736 |
| Return on assets (ROA) | 1.6411% | 806 |
| Pretax return on assets | 2.1453% | 498 |
| Return on Equity (ROE) | 13.8395% | 1,195 |
| Retained earnings to average equity (ytd only) | 6.5582% | 2,396 |
| Net charge-offs to loans | 0.0415% | 4,903 |
| Credit loss provision to net charge-offs | 600.0000% | 938 |
| Earnings coverage of net charge-offs (x) | 151.1000% | 296 |
| Efficiency ratio | 54.4605% | 7,172 |
| Assets per employee ($millions) | 3.3447% | 5,210 |
| Cash dividends to net income (ytd only)* | 52.6126% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1850% | 4,898 |
| Loan loss allowance to noncurrent loans | 104.2895% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.4130% | 6,260 |
| Noncurrent loans to loans | 1.1363% | 4,722 |
| Net loans and leases to total assets | 35.9184% | 7,735 |
| Net loans and leases to deposits | 43.6734% | 7,738 |
| Net loans and leases to core deposits | 51.2026% | 7,751 |
| Total domestic deposits to total assets | 82.2431% | 4,453 |
| Equity capital to assets | 11.9585% | 2,289 |
| Core capital (leverage) ratio | 12.4274% | 1,714 |
| Tier 1 risk-based capital ratio | 26.2265% | 873 |
| Total risk-based capital ratio | 27.1264% | 883 |
| Memoranda: | ||
| Average total assets | $270,543,500 | 2,456 |
| Average earning assets | $254,562,000 | 2,408 |
| Average equity | $32,082,000 | 2,113 |
| Average total loans | $96,293,500 | 4,136 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9340% | 5,886 |
| Cost of funding earning assets | 1.9846% | 6,459 |
| Net interest margin | 3.9494% | 3,364 |
| Noninterest income to average assets | 1.2176% | 1,001 |
| Noninterest expense to average assets | 2.7279% | 5,142 |
| Loan and lease loss provision to assets | 0.1113% | 5,946 |
| Net operating income to assets | 1.6235% | 801 |
| Return on assets (ROA) | 1.6235% | 761 |
| Pretax return on assets | 2.0831% | 504 |
| Return on Equity (ROE) | 12.5916% | 1,426 |
| Retained earnings to average equity (ytd only) | 9.0090% | 608 |
| Net charge-offs to loans | 0.3107% | 3,315 |
| Credit loss provision to net charge-offs | 96.5517% | 5,493 |
| Earnings coverage of net charge-offs (x) | 19.0345% | 1,667 |
| Efficiency ratio | 55.4192% | 7,098 |
| Assets per employee ($millions) | 3.3771% | 5,010 |
| Cash dividends to net income (ytd only)* | 28.4525% | 4,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1869% | 4,645 |
| Loan loss allowance to noncurrent loans | 115.9917% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.3716% | 6,123 |
| Noncurrent loans to loans | 1.0233% | 4,539 |
| Net loans and leases to total assets | 34.4206% | 7,880 |
| Net loans and leases to deposits | 41.7207% | 7,905 |
| Net loans and leases to core deposits | 48.4200% | 7,916 |
| Total domestic deposits to total assets | 82.5023% | 3,992 |
| Equity capital to assets | 11.7579% | 2,463 |
| Core capital (leverage) ratio | 12.5408% | 1,733 |
| Tier 1 risk-based capital ratio | 27.7392% | 773 |
| Total risk-based capital ratio | 28.6637% | 776 |
| Memoranda: | ||
| Average total assets | $251,551,800 | 2,548 |
| Average earning assets | $235,961,800 | 2,493 |
| Average equity | $32,434,200 | 2,089 |
| Average total loans | $93,343,400 | 4,124 |