Home > The Bank of Tescott > Performance and Condition Ratios
The Bank of Tescott, 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 | 4.7858% | 2,500 |
| Cost of funding earning assets | 1.5519% | 1,808 |
| Net interest margin | 3.2339% | 2,785 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.1235% | 3,342 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2723% | 1,486 |
| Return on assets (ROA) | 1.2767% | 1,452 |
| Pretax return on assets | 1.3128% | 1,839 |
| Return on Equity (ROE) | 10.3100% | 2,403 |
| Retained earnings to average equity (ytd only) | 3.8554% | 3,014 |
| Net charge-offs to loans | -0.0142% | 4,065 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.8788% | 2,844 |
| Assets per employee ($millions) | 7.7053% | 1,586 |
| Cash dividends to net income (ytd only)* | 62.5894% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9821% | 385 |
| Loan loss allowance to noncurrent loans | 1,222.3230% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.1381% | 2,599 |
| Noncurrent loans to loans | 0.1622% | 2,709 |
| Net loans and leases to total assets | 74.5300% | 1,291 |
| Net loans and leases to deposits | 89.2417% | 1,325 |
| Net loans and leases to core deposits | 102.5273% | 1,304 |
| Total domestic deposits to total assets | 83.5100% | 2,749 |
| Equity capital to assets | 12.7445% | 926 |
| Core capital (leverage) ratio | 14.6068% | 686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $438,006,200 | 1,895 |
| Average earning assets | $421,164,800 | 1,835 |
| Average equity | $54,261,200 | 1,510 |
| Average total loans | $330,687,200 | 1,685 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6861% | 2,498 |
| Cost of funding earning assets | 1.3787% | 1,919 |
| Net interest margin | 3.3074% | 2,667 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.1048% | 3,347 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3603% | 1,398 |
| Return on assets (ROA) | 1.3650% | 1,374 |
| Pretax return on assets | 1.4060% | 1,767 |
| Return on Equity (ROE) | 11.0900% | 2,352 |
| Retained earnings to average equity (ytd only) | 4.5047% | 3,101 |
| Net charge-offs to loans | -0.0317% | 4,258 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.0349% | 2,960 |
| Assets per employee ($millions) | 7.4674% | 1,655 |
| Cash dividends to net income (ytd only)* | 59.3904% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0284% | 371 |
| Loan loss allowance to noncurrent loans | 1,105.5556% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.2884% | 1,849 |
| Noncurrent loans to loans | 0.1835% | 2,625 |
| Net loans and leases to total assets | 75.4500% | 1,184 |
| Net loans and leases to deposits | 89.5321% | 1,266 |
| Net loans and leases to core deposits | 101.0320% | 1,257 |
| Total domestic deposits to total assets | 84.2800% | 2,691 |
| Equity capital to assets | 12.3650% | 955 |
| Core capital (leverage) ratio | 14.7154% | 675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $435,825,000 | 1,901 |
| Average earning assets | $418,563,250 | 1,841 |
| Average equity | $53,631,250 | 1,514 |
| Average total loans | $328,411,000 | 1,691 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5395% | 2,551 |
| Cost of funding earning assets | 1.1896% | 2,025 |
| Net interest margin | 3.3499% | 2,642 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.0899% | 3,371 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3955% | 1,347 |
| Return on assets (ROA) | 1.4008% | 1,309 |
| Pretax return on assets | 1.4617% | 1,671 |
| Return on Equity (ROE) | 11.4000% | 2,329 |
| Retained earnings to average equity (ytd only) | 4.1314% | 3,185 |
| Net charge-offs to loans | -0.0588% | 4,412 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.9360% | 3,079 |
| Assets per employee ($millions) | 7.6412% | 1,515 |
| Cash dividends to net income (ytd only)* | 63.7463% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0470% | 384 |
| Loan loss allowance to noncurrent loans | 1,332.6130% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.2586% | 1,906 |
| Noncurrent loans to loans | 0.1536% | 2,703 |
| Net loans and leases to total assets | 73.2400% | 1,375 |
| Net loans and leases to deposits | 86.7415% | 1,446 |
| Net loans and leases to core deposits | 98.1770% | 1,337 |
| Total domestic deposits to total assets | 84.4300% | 2,713 |
| Equity capital to assets | 12.3257% | 966 |
| Core capital (leverage) ratio | 14.6928% | 630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $436,759,000 | 1,892 |
| Average earning assets | $418,636,000 | 1,845 |
| Average equity | $53,686,000 | 1,513 |
| Average total loans | $326,692,333 | 1,682 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4171% | 2,512 |
| Cost of funding earning assets | 1.0163% | 1,995 |
| Net interest margin | 3.4008% | 2,635 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.0076% | 3,615 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5511% | 1,076 |
| Return on assets (ROA) | 1.5555% | 1,063 |
| Pretax return on assets | 1.6201% | 1,416 |
| Return on Equity (ROE) | 12.6700% | 2,062 |
| Retained earnings to average equity (ytd only) | 3.2772% | 3,446 |
| Net charge-offs to loans | -0.1209% | 4,535 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.4113% | 3,467 |
| Assets per employee ($millions) | 7.2849% | 1,757 |
| Cash dividends to net income (ytd only)* | 74.1400% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0988% | 380 |
| Loan loss allowance to noncurrent loans | 1,252.0295% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.2590% | 1,840 |
| Noncurrent loans to loans | 0.1676% | 2,654 |
| Net loans and leases to total assets | 73.6400% | 1,247 |
| Net loans and leases to deposits | 86.1205% | 1,343 |
| Net loans and leases to core deposits | 96.8981% | 1,239 |
| Total domestic deposits to total assets | 85.5100% | 2,722 |
| Equity capital to assets | 12.6830% | 831 |
| Core capital (leverage) ratio | 14.7604% | 615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $433,544,500 | 1,927 |
| Average earning assets | $416,023,000 | 1,880 |
| Average equity | $53,216,000 | 1,532 |
| Average total loans | $324,358,000 | 1,707 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9173% | 1,945 |
| Cost of funding earning assets | 0.4994% | 1,394 |
| Net interest margin | 3.4179% | 2,191 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.0127% | 3,548 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.4941% | 892 |
| Return on assets (ROA) | 1.4941% | 858 |
| Pretax return on assets | 1.5587% | 1,271 |
| Return on Equity (ROE) | 12.1600% | 2,090 |
| Retained earnings to average equity (ytd only) | 4.8625% | 3,111 |
| Net charge-offs to loans | -0.1062% | 4,524 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.0679% | 3,579 |
| Assets per employee ($millions) | 7.2880% | 1,762 |
| Cash dividends to net income (ytd only)* | 60.0092% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7622% | 158 |
| Loan loss allowance to noncurrent loans | 137.1795% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 1.5135% | 212 |
| Noncurrent loans to loans | 2.0135% | 279 |
| Net loans and leases to total assets | 72.3600% | 1,377 |
| Net loans and leases to deposits | 84.8113% | 1,402 |
| Net loans and leases to core deposits | 93.9364% | 1,300 |
| Total domestic deposits to total assets | 85.3200% | 2,907 |
| Equity capital to assets | 11.8733% | 969 |
| Core capital (leverage) ratio | 14.0208% | 717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $434,984,600 | 1,906 |
| Average earning assets | $419,725,800 | 1,849 |
| Average equity | $53,450,400 | 1,534 |
| Average total loans | $316,299,600 | 1,654 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8044% | 1,747 |
| Cost of funding earning assets | 0.3794% | 1,448 |
| Net interest margin | 3.4251% | 1,895 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 1.9861% | 3,514 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.5281% | 787 |
| Return on assets (ROA) | 1.5275% | 769 |
| Pretax return on assets | 1.5923% | 1,137 |
| Return on Equity (ROE) | 12.3300% | 1,930 |
| Retained earnings to average equity (ytd only) | 4.5250% | 3,275 |
| Net charge-offs to loans | -0.1499% | 4,591 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.1146% | 3,708 |
| Assets per employee ($millions) | 7.4393% | 1,655 |
| Cash dividends to net income (ytd only)* | 63.2911% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8028% | 158 |
| Loan loss allowance to noncurrent loans | 134.2227% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 1.5894% | 204 |
| Noncurrent loans to loans | 2.0882% | 285 |
| Net loans and leases to total assets | 72.3700% | 1,247 |
| Net loans and leases to deposits | 88.0281% | 1,033 |
| Net loans and leases to core deposits | 95.7661% | 1,016 |
| Total domestic deposits to total assets | 82.2200% | 3,806 |
| Equity capital to assets | 11.4983% | 1,014 |
| Core capital (leverage) ratio | 13.8683% | 711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $434,411,500 | 1,915 |
| Average earning assets | $420,342,250 | 1,857 |
| Average equity | $53,833,250 | 1,540 |
| Average total loans | $314,025,500 | 1,655 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6923% | 1,555 |
| Cost of funding earning assets | 0.2990% | 1,721 |
| Net interest margin | 3.3934% | 1,623 |
| Noninterest income to average assets | 0.2793% | 3,497 |
| Noninterest expense to average assets | 1.9821% | 3,480 |
| Loan and lease loss provision to assets | 0.0367% | 1,927 |
| Net operating income to assets | 1.4902% | 733 |
| Return on assets (ROA) | 1.4906% | 712 |
| Pretax return on assets | 1.5508% | 1,045 |
| Return on Equity (ROE) | 11.7487% | 1,742 |
| Retained earnings to average equity (ytd only) | 3.0594% | 3,424 |
| Net charge-offs to loans | -0.2163% | 4,604 |
| Credit loss provision to net charge-offs | -23.7389% | 2,992 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5341% | 3,817 |
| Assets per employee ($millions) | 7.5489% | 1,580 |
| Cash dividends to net income (ytd only)* | 73.9599% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8362% | 168 |
| Loan loss allowance to noncurrent loans | 138.4627% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 1.5301% | 228 |
| Noncurrent loans to loans | 2.0483% | 313 |
| Net loans and leases to total assets | 71.5698% | 1,155 |
| Net loans and leases to deposits | 86.4699% | 938 |
| Net loans and leases to core deposits | 92.4254% | 995 |
| Total domestic deposits to total assets | 82.7684% | 3,906 |
| Equity capital to assets | 11.6490% | 978 |
| Core capital (leverage) ratio | 13.9465% | 641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $435,388,333 | 1,918 |
| Average earning assets | $422,118,000 | 1,876 |
| Average equity | $55,240,000 | 1,542 |
| Average total loans | $311,606,667 | 1,665 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5581% | 1,631 |
| Cost of funding earning assets | 0.3001% | 1,656 |
| Net interest margin | 3.2580% | 1,690 |
| Noninterest income to average assets | 0.2722% | 3,505 |
| Noninterest expense to average assets | 1.8742% | 3,742 |
| Loan and lease loss provision to assets | 0.0548% | 1,398 |
| Net operating income to assets | 1.4542% | 704 |
| Return on assets (ROA) | 1.4586% | 692 |
| Pretax return on assets | 1.5107% | 999 |
| Return on Equity (ROE) | 11.0523% | 1,605 |
| Retained earnings to average equity (ytd only) | -1.4049% | 4,181 |
| Net charge-offs to loans | -0.0453% | 4,225 |
| Credit loss provision to net charge-offs | -171.4286% | 2,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5600% | 4,019 |
| Assets per employee ($millions) | 7.6944% | 1,552 |
| Cash dividends to net income (ytd only)* | 112.7113% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8150% | 189 |
| Loan loss allowance to noncurrent loans | 125.5723% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 1.5929% | 221 |
| Noncurrent loans to loans | 2.2418% | 296 |
| Net loans and leases to total assets | 68.2236% | 1,191 |
| Net loans and leases to deposits | 79.1787% | 1,204 |
| Net loans and leases to core deposits | 85.3820% | 1,165 |
| Total domestic deposits to total assets | 86.1641% | 3,207 |
| Equity capital to assets | 12.5016% | 804 |
| Core capital (leverage) ratio | 13.4064% | 690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $437,940,000 | 1,919 |
| Average earning assets | $425,172,500 | 1,870 |
| Average equity | $57,798,000 | 1,530 |
| Average total loans | $308,938,500 | 1,666 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2120% | 972 |
| Cost of funding earning assets | 0.4754% | 1,032 |
| Net interest margin | 3.7366% | 1,127 |
| Noninterest income to average assets | 0.2654% | 3,791 |
| Noninterest expense to average assets | 1.9456% | 3,827 |
| Loan and lease loss provision to assets | 0.0609% | 1,843 |
| Net operating income to assets | 1.7923% | 514 |
| Return on assets (ROA) | 1.7994% | 527 |
| Pretax return on assets | 1.8808% | 763 |
| Return on Equity (ROE) | 12.8461% | 1,508 |
| Retained earnings to average equity (ytd only) | 1.0884% | 4,237 |
| Net charge-offs to loans | 0.0233% | 1,783 |
| Credit loss provision to net charge-offs | 378.5714% | 940 |
| Earnings coverage of net charge-offs (x) | 120.1714% | 781 |
| Efficiency ratio | 50.1452% | 4,273 |
| Assets per employee ($millions) | 7.5396% | 1,595 |
| Cash dividends to net income (ytd only)* | 91.5272% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7652% | 195 |
| Loan loss allowance to noncurrent loans | 129.5843% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 1.5404% | 262 |
| Noncurrent loans to loans | 2.1339% | 353 |
| Net loans and leases to total assets | 68.9282% | 1,154 |
| Net loans and leases to deposits | 81.3113% | 1,117 |
| Net loans and leases to core deposits | 88.0568% | 1,073 |
| Total domestic deposits to total assets | 84.7708% | 3,338 |
| Equity capital to assets | 13.8958% | 683 |
| Core capital (leverage) ratio | 13.5981% | 677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0416% | 752 |
| Memoranda: | ||
| Average total assets | $434,873,200 | 1,879 |
| Average earning assets | $420,674,400 | 1,836 |
| Average equity | $60,913,400 | 1,498 |
| Average total loans | $300,866,200 | 1,703 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3731% | 852 |
| Cost of funding earning assets | 0.5104% | 999 |
| Net interest margin | 3.8628% | 999 |
| Noninterest income to average assets | 0.2545% | 3,871 |
| Noninterest expense to average assets | 1.9158% | 3,905 |
| Loan and lease loss provision to assets | 0.0767% | 1,525 |
| Net operating income to assets | 1.9062% | 550 |
| Return on assets (ROA) | 1.9155% | 561 |
| Pretax return on assets | 2.0061% | 790 |
| Return on Equity (ROE) | 13.6479% | 1,499 |
| Retained earnings to average equity (ytd only) | 0.1663% | 4,538 |
| Net charge-offs to loans | 0.0089% | 1,989 |
| Credit loss provision to net charge-offs | 1,250.0000% | 457 |
| Earnings coverage of net charge-offs (x) | 337.6000% | 404 |
| Efficiency ratio | 48.0296% | 4,361 |
| Assets per employee ($millions) | 7.3916% | 1,627 |
| Cash dividends to net income (ytd only)* | 98.7819% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8507% | 181 |
| Loan loss allowance to noncurrent loans | 97.6958% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 2.0367% | 178 |
| Noncurrent loans to loans | 2.9179% | 231 |
| Net loans and leases to total assets | 67.2598% | 1,399 |
| Net loans and leases to deposits | 79.6135% | 1,327 |
| Net loans and leases to core deposits | 86.9773% | 1,217 |
| Total domestic deposits to total assets | 84.4829% | 3,306 |
| Equity capital to assets | 14.0775% | 721 |
| Core capital (leverage) ratio | 13.5234% | 729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4005% | 762 |
| Memoranda: | ||
| Average total assets | $434,267,250 | 1,904 |
| Average earning assets | $419,827,500 | 1,855 |
| Average equity | $60,950,250 | 1,519 |
| Average total loans | $298,584,500 | 1,743 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6691% | 560 |
| Cost of funding earning assets | 0.5443% | 969 |
| Net interest margin | 4.1249% | 662 |
| Noninterest income to average assets | 0.2518% | 3,893 |
| Noninterest expense to average assets | 1.9260% | 3,904 |
| Loan and lease loss provision to assets | 0.0945% | 1,326 |
| Net operating income to assets | 2.1153% | 394 |
| Return on assets (ROA) | 2.1293% | 402 |
| Pretax return on assets | 2.2308% | 544 |
| Return on Equity (ROE) | 15.1868% | 1,110 |
| Retained earnings to average equity (ytd only) | -1.7960% | 4,661 |
| Net charge-offs to loans | -0.0108% | 3,696 |
| Credit loss provision to net charge-offs | -1,281.2500% | 3,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4605% | 4,543 |
| Assets per employee ($millions) | 7.3529% | 1,559 |
| Cash dividends to net income (ytd only)* | 111.8259% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8640% | 175 |
| Loan loss allowance to noncurrent loans | 96.2822% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 2.0873% | 199 |
| Noncurrent loans to loans | 2.9746% | 245 |
| Net loans and leases to total assets | 67.2195% | 1,553 |
| Net loans and leases to deposits | 79.4051% | 1,475 |
| Net loans and leases to core deposits | 86.2589% | 1,397 |
| Total domestic deposits to total assets | 84.6538% | 3,240 |
| Equity capital to assets | 13.9133% | 731 |
| Core capital (leverage) ratio | 13.3546% | 737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8896% | 714 |
| Memoranda: | ||
| Average total assets | $433,654,333 | 1,898 |
| Average earning assets | $418,923,667 | 1,847 |
| Average equity | $60,802,667 | 1,511 |
| Average total loans | $297,469,000 | 1,760 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0224% | 344 |
| Cost of funding earning assets | 0.5804% | 960 |
| Net interest margin | 4.4420% | 396 |
| Noninterest income to average assets | 0.2509% | 3,896 |
| Noninterest expense to average assets | 1.8682% | 4,060 |
| Loan and lease loss provision to assets | 0.1384% | 976 |
| Net operating income to assets | 2.4227% | 301 |
| Return on assets (ROA) | 2.4227% | 325 |
| Pretax return on assets | 2.5232% | 420 |
| Return on Equity (ROE) | 17.2128% | 815 |
| Retained earnings to average equity (ytd only) | -10.8874% | 4,828 |
| Net charge-offs to loans | -0.0216% | 4,029 |
| Credit loss provision to net charge-offs | -937.5000% | 3,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2424% | 4,700 |
| Assets per employee ($millions) | 7.1368% | 1,698 |
| Cash dividends to net income (ytd only)* | 163.2521% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8704% | 169 |
| Loan loss allowance to noncurrent loans | 90.0211% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 2.1971% | 212 |
| Noncurrent loans to loans | 3.1886% | 235 |
| Net loans and leases to total assets | 66.4025% | 1,745 |
| Net loans and leases to deposits | 78.2984% | 1,690 |
| Net loans and leases to core deposits | 85.3247% | 1,568 |
| Total domestic deposits to total assets | 84.8070% | 3,183 |
| Equity capital to assets | 13.6653% | 748 |
| Core capital (leverage) ratio | 13.2973% | 778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6773% | 715 |
| Memoranda: | ||
| Average total assets | $433,570,500 | 1,888 |
| Average earning assets | $417,651,500 | 1,842 |
| Average equity | $61,024,500 | 1,497 |
| Average total loans | $296,098,000 | 1,766 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3564% | 1,701 |
| Cost of funding earning assets | 0.9280% | 773 |
| Net interest margin | 3.4284% | 2,679 |
| Noninterest income to average assets | 0.3247% | 3,518 |
| Noninterest expense to average assets | 1.9816% | 4,171 |
| Loan and lease loss provision to assets | 0.1848% | 2,101 |
| Net operating income to assets | 1.4174% | 985 |
| Return on assets (ROA) | 1.4174% | 1,068 |
| Pretax return on assets | 1.4730% | 1,432 |
| Return on Equity (ROE) | 9.8243% | 2,069 |
| Retained earnings to average equity (ytd only) | 4.9674% | 2,287 |
| Net charge-offs to loans | 0.1585% | 1,034 |
| Credit loss provision to net charge-offs | 164.5161% | 2,345 |
| Earnings coverage of net charge-offs (x) | 14.7548% | 2,195 |
| Efficiency ratio | 54.4483% | 4,164 |
| Assets per employee ($millions) | 6.8539% | 1,675 |
| Cash dividends to net income (ytd only)* | 49.4374% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8438% | 171 |
| Loan loss allowance to noncurrent loans | 73.4825% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 2.6575% | 160 |
| Noncurrent loans to loans | 3.8700% | 153 |
| Net loans and leases to total assets | 66.2804% | 2,056 |
| Net loans and leases to deposits | 78.9593% | 1,979 |
| Net loans and leases to core deposits | 88.2297% | 1,664 |
| Total domestic deposits to total assets | 83.9424% | 3,132 |
| Equity capital to assets | 14.4879% | 681 |
| Core capital (leverage) ratio | 13.6611% | 746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2390% | 744 |
| Memoranda: | ||
| Average total assets | $413,857,000 | 1,814 |
| Average earning assets | $400,124,600 | 1,767 |
| Average equity | $59,709,200 | 1,448 |
| Average total loans | $293,454,000 | 1,710 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4583% | 1,680 |
| Cost of funding earning assets | 0.9836% | 803 |
| Net interest margin | 3.4747% | 2,677 |
| Noninterest income to average assets | 0.2583% | 3,935 |
| Noninterest expense to average assets | 2.0333% | 4,083 |
| Loan and lease loss provision to assets | 0.2247% | 1,806 |
| Net operating income to assets | 1.3187% | 1,312 |
| Return on assets (ROA) | 1.3187% | 1,397 |
| Pretax return on assets | 1.3656% | 1,834 |
| Return on Equity (ROE) | 9.1505% | 2,337 |
| Retained earnings to average equity (ytd only) | 5.3222% | 2,420 |
| Net charge-offs to loans | 0.2119% | 721 |
| Credit loss provision to net charge-offs | 148.0687% | 2,338 |
| Earnings coverage of net charge-offs (x) | 10.4785% | 2,356 |
| Efficiency ratio | 56.1118% | 3,910 |
| Assets per employee ($millions) | 6.6734% | 1,693 |
| Cash dividends to net income (ytd only)* | 41.8375% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7805% | 168 |
| Loan loss allowance to noncurrent loans | 72.8222% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 2.9432% | 157 |
| Noncurrent loans to loans | 3.8182% | 179 |
| Net loans and leases to total assets | 69.0351% | 2,106 |
| Net loans and leases to deposits | 82.5817% | 2,050 |
| Net loans and leases to core deposits | 94.2163% | 1,624 |
| Total domestic deposits to total assets | 83.5961% | 2,954 |
| Equity capital to assets | 14.7006% | 697 |
| Core capital (leverage) ratio | 14.0508% | 699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0840% | 776 |
| Memoranda: | ||
| Average total assets | $409,372,250 | 1,810 |
| Average earning assets | $396,492,750 | 1,757 |
| Average equity | $58,997,000 | 1,455 |
| Average total loans | $293,174,250 | 1,709 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5679% | 1,732 |
| Cost of funding earning assets | 1.0399% | 872 |
| Net interest margin | 3.5281% | 2,707 |
| Noninterest income to average assets | 0.3032% | 3,651 |
| Noninterest expense to average assets | 2.0232% | 4,186 |
| Loan and lease loss provision to assets | 0.2662% | 1,600 |
| Net operating income to assets | 1.3883% | 1,140 |
| Return on assets (ROA) | 1.3883% | 1,230 |
| Pretax return on assets | 1.4326% | 1,634 |
| Return on Equity (ROE) | 9.7001% | 2,079 |
| Retained earnings to average equity (ytd only) | 6.0213% | 2,074 |
| Net charge-offs to loans | 0.3425% | 470 |
| Credit loss provision to net charge-offs | 108.2164% | 2,347 |
| Earnings coverage of net charge-offs (x) | 6.9058% | 2,407 |
| Efficiency ratio | 54.3576% | 4,136 |
| Assets per employee ($millions) | 6.5387% | 1,747 |
| Cash dividends to net income (ytd only)* | 37.9261% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7583% | 173 |
| Loan loss allowance to noncurrent loans | 43.5655% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 4.8134% | 58 |
| Noncurrent loans to loans | 6.3314% | 68 |
| Net loans and leases to total assets | 68.3892% | 2,287 |
| Net loans and leases to deposits | 81.6241% | 2,244 |
| Net loans and leases to core deposits | 93.4175% | 1,794 |
| Total domestic deposits to total assets | 83.7855% | 2,822 |
| Equity capital to assets | 14.5446% | 730 |
| Core capital (leverage) ratio | 13.9855% | 750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8613% | 787 |
| Memoranda: | ||
| Average total assets | $405,688,333 | 1,796 |
| Average earning assets | $393,131,333 | 1,742 |
| Average equity | $58,061,000 | 1,459 |
| Average total loans | $291,385,333 | 1,702 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6612% | 1,818 |
| Cost of funding earning assets | 1.1136% | 1,008 |
| Net interest margin | 3.5476% | 2,824 |
| Noninterest income to average assets | 0.3445% | 3,457 |
| Noninterest expense to average assets | 1.9647% | 4,464 |
| Loan and lease loss provision to assets | 0.2704% | 1,157 |
| Net operating income to assets | 1.5041% | 776 |
| Return on assets (ROA) | 1.5041% | 848 |
| Pretax return on assets | 1.5451% | 1,197 |
| Return on Equity (ROE) | 10.5745% | 1,545 |
| Retained earnings to average equity (ytd only) | 6.7023% | 1,647 |
| Net charge-offs to loans | 0.7089% | 214 |
| Credit loss provision to net charge-offs | 52.5292% | 2,047 |
| Earnings coverage of net charge-offs (x) | 3.5272% | 2,208 |
| Efficiency ratio | 51.9735% | 4,553 |
| Assets per employee ($millions) | 6.0459% | 1,639 |
| Cash dividends to net income (ytd only)* | 36.6178% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7099% | 191 |
| Loan loss allowance to noncurrent loans | 113.3903% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 2.1096% | 371 |
| Noncurrent loans to loans | 2.3899% | 514 |
| Net loans and leases to total assets | 70.4746% | 2,179 |
| Net loans and leases to deposits | 84.0446% | 2,220 |
| Net loans and leases to core deposits | 97.2860% | 1,699 |
| Total domestic deposits to total assets | 83.8538% | 2,834 |
| Equity capital to assets | 14.1827% | 1,004 |
| Core capital (leverage) ratio | 14.2145% | 855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5820% | 793 |
| Memoranda: | ||
| Average total assets | $399,451,500 | 1,767 |
| Average earning assets | $386,855,500 | 1,716 |
| Average equity | $56,816,000 | 1,481 |
| Average total loans | $290,034,000 | 1,677 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7670% | 2,140 |
| Cost of funding earning assets | 1.1125% | 1,277 |
| Net interest margin | 3.6546% | 2,945 |
| Noninterest income to average assets | 0.3691% | 3,494 |
| Noninterest expense to average assets | 2.0585% | 4,431 |
| Loan and lease loss provision to assets | 0.3471% | 443 |
| Net operating income to assets | 1.4278% | 1,249 |
| Return on assets (ROA) | 1.4198% | 1,349 |
| Pretax return on assets | 1.4807% | 1,867 |
| Return on Equity (ROE) | 10.4244% | 2,110 |
| Retained earnings to average equity (ytd only) | 7.5977% | 1,123 |
| Net charge-offs to loans | 0.1620% | 1,238 |
| Credit loss provision to net charge-offs | 286.4583% | 979 |
| Earnings coverage of net charge-offs (x) | 15.1521% | 2,244 |
| Efficiency ratio | 52.8554% | 4,536 |
| Assets per employee ($millions) | 5.8805% | 1,732 |
| Cash dividends to net income (ytd only)* | 27.1159% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7754% | 155 |
| Loan loss allowance to noncurrent loans | 194.9083% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 1.4264% | 732 |
| Noncurrent loans to loans | 1.4240% | 1,030 |
| Net loans and leases to total assets | 70.7583% | 2,280 |
| Net loans and leases to deposits | 84.4223% | 2,290 |
| Net loans and leases to core deposits | 97.8172% | 1,746 |
| Total domestic deposits to total assets | 83.8147% | 2,902 |
| Equity capital to assets | 14.2642% | 1,014 |
| Core capital (leverage) ratio | 14.0572% | 915 |
| Tier 1 risk-based capital ratio | 19.0342% | 1,506 |
| Total risk-based capital ratio | 20.3028% | 1,477 |
| Memoranda: | ||
| Average total assets | $396,109,400 | 1,753 |
| Average earning assets | $382,123,600 | 1,696 |
| Average equity | $53,950,600 | 1,494 |
| Average total loans | $296,226,400 | 1,624 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7420% | 2,292 |
| Cost of funding earning assets | 1.1003% | 1,359 |
| Net interest margin | 3.6417% | 3,124 |
| Noninterest income to average assets | 0.3344% | 3,735 |
| Noninterest expense to average assets | 2.0403% | 4,475 |
| Loan and lease loss provision to assets | 0.3796% | 344 |
| Net operating income to assets | 1.3575% | 1,624 |
| Return on assets (ROA) | 1.3469% | 1,728 |
| Pretax return on assets | 1.4164% | 2,247 |
| Return on Equity (ROE) | 10.0088% | 2,424 |
| Retained earnings to average equity (ytd only) | 6.5865% | 2,066 |
| Net charge-offs to loans | 0.1873% | 917 |
| Credit loss provision to net charge-offs | 269.1388% | 1,030 |
| Earnings coverage of net charge-offs (x) | 12.8134% | 2,334 |
| Efficiency ratio | 53.0299% | 4,493 |
| Assets per employee ($millions) | 5.8679% | 1,699 |
| Cash dividends to net income (ytd only)* | 34.1933% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6611% | 182 |
| Loan loss allowance to noncurrent loans | 169.3282% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 1.8578% | 518 |
| Noncurrent loans to loans | 1.5716% | 942 |
| Net loans and leases to total assets | 74.5091% | 1,715 |
| Net loans and leases to deposits | 89.2022% | 1,789 |
| Net loans and leases to core deposits | 102.7251% | 1,439 |
| Total domestic deposits to total assets | 83.5284% | 2,985 |
| Equity capital to assets | 14.3344% | 1,029 |
| Core capital (leverage) ratio | 14.0213% | 979 |
| Tier 1 risk-based capital ratio | 18.4367% | 1,703 |
| Total risk-based capital ratio | 19.7043% | 1,662 |
| Memoranda: | ||
| Average total assets | $395,168,250 | 1,768 |
| Average earning assets | $381,209,500 | 1,713 |
| Average equity | $53,178,500 | 1,516 |
| Average total loans | $297,527,750 | 1,623 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6581% | 2,489 |
| Cost of funding earning assets | 1.0759% | 1,395 |
| Net interest margin | 3.5822% | 3,325 |
| Noninterest income to average assets | 0.3273% | 3,752 |
| Noninterest expense to average assets | 1.9804% | 4,638 |
| Loan and lease loss provision to assets | 0.3771% | 334 |
| Net operating income to assets | 1.3581% | 1,547 |
| Return on assets (ROA) | 1.3419% | 1,676 |
| Pretax return on assets | 1.4078% | 2,184 |
| Return on Equity (ROE) | 10.1871% | 2,299 |
| Retained earnings to average equity (ytd only) | 6.8283% | 1,886 |
| Net charge-offs to loans | 0.2806% | 603 |
| Credit loss provision to net charge-offs | 179.4258% | 1,316 |
| Earnings coverage of net charge-offs (x) | 8.5742% | 2,402 |
| Efficiency ratio | 52.3594% | 4,626 |
| Assets per employee ($millions) | 6.1270% | 1,456 |
| Cash dividends to net income (ytd only)* | 32.9712% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5568% | 209 |
| Loan loss allowance to noncurrent loans | 134.1786% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 2.2401% | 368 |
| Noncurrent loans to loans | 1.9056% | 774 |
| Net loans and leases to total assets | 74.1872% | 1,859 |
| Net loans and leases to deposits | 89.8763% | 1,755 |
| Net loans and leases to core deposits | 102.8359% | 1,484 |
| Total domestic deposits to total assets | 82.5436% | 3,358 |
| Equity capital to assets | 14.1010% | 1,088 |
| Core capital (leverage) ratio | 13.7283% | 1,045 |
| Tier 1 risk-based capital ratio | 18.2315% | 1,744 |
| Total risk-based capital ratio | 19.4978% | 1,700 |
| Memoranda: | ||
| Average total assets | $397,796,330 | 1,764 |
| Average earning assets | $383,676,670 | 1,712 |
| Average equity | $52,399,670 | 1,528 |
| Average total loans | $297,886,670 | 1,631 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5958% | 2,544 |
| Cost of funding earning assets | 1.0640% | 1,316 |
| Net interest margin | 3.5318% | 3,493 |
| Noninterest income to average assets | 0.3111% | 3,784 |
| Noninterest expense to average assets | 1.9649% | 4,707 |
| Loan and lease loss provision to assets | 0.3716% | 311 |
| Net operating income to assets | 1.3198% | 1,626 |
| Return on assets (ROA) | 1.3198% | 1,670 |
| Pretax return on assets | 1.3822% | 2,146 |
| Return on Equity (ROE) | 10.3689% | 2,209 |
| Retained earnings to average equity (ytd only) | 7.1383% | 1,986 |
| Net charge-offs to loans | 0.3521% | 443 |
| Credit loss provision to net charge-offs | 142.0455% | 1,286 |
| Earnings coverage of net charge-offs (x) | 6.7045% | 2,176 |
| Efficiency ratio | 52.8377% | 4,629 |
| Assets per employee ($millions) | 5.9809% | 1,561 |
| Cash dividends to net income (ytd only)* | 31.1562% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4590% | 259 |
| Loan loss allowance to noncurrent loans | 124.2843% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 2.2160% | 394 |
| Noncurrent loans to loans | 1.9785% | 752 |
| Net loans and leases to total assets | 72.1948% | 2,122 |
| Net loans and leases to deposits | 85.3562% | 2,207 |
| Net loans and leases to core deposits | 97.4694% | 1,819 |
| Total domestic deposits to total assets | 84.5806% | 2,825 |
| Equity capital to assets | 13.0414% | 1,431 |
| Core capital (leverage) ratio | 13.0459% | 1,252 |
| Tier 1 risk-based capital ratio | 17.4625% | 1,948 |
| Total risk-based capital ratio | 18.7271% | 1,894 |
| Memoranda: | ||
| Average total assets | $403,693,500 | 1,758 |
| Average earning assets | $389,485,500 | 1,687 |
| Average equity | $51,384,500 | 1,539 |
| Average total loans | $299,891,000 | 1,635 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5896% | 2,159 |
| Cost of funding earning assets | 0.9943% | 772 |
| Net interest margin | 3.5953% | 3,398 |
| Noninterest income to average assets | 0.3010% | 4,094 |
| Noninterest expense to average assets | 2.0183% | 4,719 |
| Loan and lease loss provision to assets | 0.3778% | 379 |
| Net operating income to assets | 1.3214% | 1,714 |
| Return on assets (ROA) | 1.3146% | 1,729 |
| Pretax return on assets | 1.3645% | 2,260 |
| Return on Equity (ROE) | 10.7422% | 2,188 |
| Retained earnings to average equity (ytd only) | 6.5441% | 1,901 |
| Net charge-offs to loans | 0.5639% | 306 |
| Credit loss provision to net charge-offs | 84.5070% | 2,793 |
| Earnings coverage of net charge-offs (x) | 3.9132% | 3,366 |
| Efficiency ratio | 53.5695% | 4,654 |
| Assets per employee ($millions) | 6.0697% | 1,476 |
| Cash dividends to net income (ytd only)* | 39.0805% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3688% | 262 |
| Loan loss allowance to noncurrent loans | 149.2519% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 2.0154% | 473 |
| Noncurrent loans to loans | 1.5871% | 926 |
| Net loans and leases to total assets | 72.7887% | 2,128 |
| Net loans and leases to deposits | 85.3554% | 2,365 |
| Net loans and leases to core deposits | 97.9614% | 1,867 |
| Total domestic deposits to total assets | 85.2773% | 2,521 |
| Equity capital to assets | 12.4204% | 1,622 |
| Core capital (leverage) ratio | 12.7994% | 1,322 |
| Tier 1 risk-based capital ratio | 16.8416% | 2,121 |
| Total risk-based capital ratio | 18.1051% | 2,067 |
| Memoranda: | ||
| Average total assets | $397,069,400 | 1,726 |
| Average earning assets | $382,864,000 | 1,661 |
| Average equity | $48,593,400 | 1,554 |
| Average total loans | $314,791,600 | 1,535 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5734% | 2,064 |
| Cost of funding earning assets | 0.9741% | 665 |
| Net interest margin | 3.5993% | 3,368 |
| Noninterest income to average assets | 0.2797% | 4,276 |
| Noninterest expense to average assets | 2.0709% | 4,605 |
| Loan and lease loss provision to assets | 0.3801% | 338 |
| Net operating income to assets | 1.2550% | 2,024 |
| Return on assets (ROA) | 1.2459% | 2,069 |
| Pretax return on assets | 1.2922% | 2,656 |
| Return on Equity (ROE) | 10.2199% | 2,517 |
| Retained earnings to average equity (ytd only) | 5.4397% | 2,989 |
| Net charge-offs to loans | 0.6358% | 226 |
| Credit loss provision to net charge-offs | 74.2574% | 2,590 |
| Earnings coverage of net charge-offs (x) | 3.2858% | 3,174 |
| Efficiency ratio | 55.1855% | 4,490 |
| Assets per employee ($millions) | 5.8339% | 1,619 |
| Cash dividends to net income (ytd only)* | 46.7733% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2951% | 308 |
| Loan loss allowance to noncurrent loans | 82.0218% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 2.6052% | 326 |
| Noncurrent loans to loans | 2.7982% | 425 |
| Net loans and leases to total assets | 76.9675% | 1,507 |
| Net loans and leases to deposits | 90.4773% | 1,827 |
| Net loans and leases to core deposits | 104.8624% | 1,391 |
| Total domestic deposits to total assets | 85.0683% | 2,579 |
| Equity capital to assets | 12.4109% | 1,642 |
| Core capital (leverage) ratio | 12.7874% | 1,373 |
| Tier 1 risk-based capital ratio | 16.3183% | 2,327 |
| Total risk-based capital ratio | 17.5812% | 2,267 |
| Memoranda: | ||
| Average total assets | $394,669,250 | 1,747 |
| Average earning assets | $380,800,500 | 1,676 |
| Average equity | $48,114,250 | 1,564 |
| Average total loans | $317,691,500 | 1,528 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5380% | 1,968 |
| Cost of funding earning assets | 0.9506% | 583 |
| Net interest margin | 3.5874% | 3,365 |
| Noninterest income to average assets | 0.2894% | 4,247 |
| Noninterest expense to average assets | 2.0731% | 4,672 |
| Loan and lease loss provision to assets | 0.3789% | 330 |
| Net operating income to assets | 1.2492% | 1,984 |
| Return on assets (ROA) | 1.2492% | 1,984 |
| Pretax return on assets | 1.2992% | 2,518 |
| Return on Equity (ROE) | 10.3080% | 2,421 |
| Retained earnings to average equity (ytd only) | 4.7851% | 3,192 |
| Net charge-offs to loans | 0.4985% | 307 |
| Credit loss provision to net charge-offs | 93.7500% | 2,124 |
| Earnings coverage of net charge-offs (x) | 4.1525% | 2,813 |
| Efficiency ratio | 55.2653% | 4,561 |
| Assets per employee ($millions) | 5.9660% | 1,492 |
| Cash dividends to net income (ytd only)* | 53.5786% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3874% | 282 |
| Loan loss allowance to noncurrent loans | 44.9809% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 4.3179% | 117 |
| Noncurrent loans to loans | 5.3076% | 119 |
| Net loans and leases to total assets | 76.9126% | 1,481 |
| Net loans and leases to deposits | 90.1451% | 1,821 |
| Net loans and leases to core deposits | 103.4532% | 1,439 |
| Total domestic deposits to total assets | 85.3209% | 2,559 |
| Equity capital to assets | 12.2347% | 1,706 |
| Core capital (leverage) ratio | 12.3879% | 1,496 |
| Tier 1 risk-based capital ratio | 15.7924% | 2,517 |
| Total risk-based capital ratio | 17.0559% | 2,452 |
| Memoranda: | ||
| Average total assets | $395,934,670 | 1,748 |
| Average earning assets | $382,060,670 | 1,679 |
| Average equity | $47,982,000 | 1,568 |
| Average total loans | $320,951,330 | 1,521 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4975% | 1,875 |
| Cost of funding earning assets | 0.9058% | 579 |
| Net interest margin | 3.5917% | 3,215 |
| Noninterest income to average assets | 0.2871% | 4,251 |
| Noninterest expense to average assets | 2.1127% | 4,634 |
| Loan and lease loss provision to assets | 0.3778% | 313 |
| Net operating income to assets | 1.1949% | 2,025 |
| Return on assets (ROA) | 1.1949% | 2,040 |
| Pretax return on assets | 1.2563% | 2,528 |
| Return on Equity (ROE) | 9.9068% | 2,487 |
| Retained earnings to average equity (ytd only) | 3.6419% | 3,744 |
| Net charge-offs to loans | 0.0123% | 2,315 |
| Credit loss provision to net charge-offs | 3,750.0000% | 103 |
| Earnings coverage of net charge-offs (x) | 162.2000% | 402 |
| Efficiency ratio | 56.3861% | 4,532 |
| Assets per employee ($millions) | 6.1378% | 1,411 |
| Cash dividends to net income (ytd only)* | 63.2378% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4327% | 272 |
| Loan loss allowance to noncurrent loans | 62.2077% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 3.2706% | 226 |
| Noncurrent loans to loans | 3.9106% | 260 |
| Net loans and leases to total assets | 77.4420% | 1,321 |
| Net loans and leases to deposits | 90.8086% | 1,582 |
| Net loans and leases to core deposits | 104.8363% | 1,319 |
| Total domestic deposits to total assets | 85.2804% | 2,828 |
| Equity capital to assets | 11.7951% | 1,918 |
| Core capital (leverage) ratio | 12.4612% | 1,408 |
| Tier 1 risk-based capital ratio | 15.2209% | 2,779 |
| Total risk-based capital ratio | 16.4854% | 2,710 |
| Memoranda: | ||
| Average total assets | $397,025,000 | 1,752 |
| Average earning assets | $382,438,000 | 1,686 |
| Average equity | $47,886,500 | 1,584 |
| Average total loans | $326,498,500 | 1,501 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6884% | 1,229 |
| Cost of funding earning assets | 0.7830% | 684 |
| Net interest margin | 3.9054% | 2,075 |
| Noninterest income to average assets | 0.2936% | 4,355 |
| Noninterest expense to average assets | 2.0069% | 4,944 |
| Loan and lease loss provision to assets | 0.3414% | 476 |
| Net operating income to assets | 1.6469% | 590 |
| Return on assets (ROA) | 1.6610% | 588 |
| Pretax return on assets | 1.7238% | 954 |
| Return on Equity (ROE) | 13.4865% | 850 |
| Retained earnings to average equity (ytd only) | 6.5556% | 1,256 |
| Net charge-offs to loans | 0.3050% | 845 |
| Credit loss provision to net charge-offs | 128.8404% | 2,038 |
| Earnings coverage of net charge-offs (x) | 7.7374% | 3,003 |
| Efficiency ratio | 49.4627% | 5,247 |
| Assets per employee ($millions) | 5.8933% | 1,593 |
| Cash dividends to net income (ytd only)* | 51.3915% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2497% | 339 |
| Loan loss allowance to noncurrent loans | 97.3880% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 2.2668% | 444 |
| Noncurrent loans to loans | 2.3101% | 611 |
| Net loans and leases to total assets | 83.3012% | 516 |
| Net loans and leases to deposits | 98.3714% | 870 |
| Net loans and leases to core deposits | 109.2990% | 1,048 |
| Total domestic deposits to total assets | 84.6803% | 2,958 |
| Equity capital to assets | 12.3386% | 1,621 |
| Core capital (leverage) ratio | 12.3496% | 1,423 |
| Tier 1 risk-based capital ratio | 14.9677% | 2,867 |
| Total risk-based capital ratio | 16.2306% | 2,788 |
| Memoranda: | ||
| Average total assets | $380,731,400 | 1,786 |
| Average earning assets | $366,929,200 | 1,725 |
| Average equity | $46,891,200 | 1,604 |
| Average total loans | $330,824,600 | 1,446 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6973% | 1,142 |
| Cost of funding earning assets | 0.7456% | 773 |
| Net interest margin | 3.9517% | 1,855 |
| Noninterest income to average assets | 0.2996% | 4,385 |
| Noninterest expense to average assets | 2.0027% | 4,945 |
| Loan and lease loss provision to assets | 0.3169% | 486 |
| Net operating income to assets | 1.7215% | 556 |
| Return on assets (ROA) | 1.7418% | 546 |
| Pretax return on assets | 1.8136% | 859 |
| Return on Equity (ROE) | 14.1493% | 803 |
| Retained earnings to average equity (ytd only) | 7.2849% | 1,546 |
| Net charge-offs to loans | 0.1956% | 1,088 |
| Credit loss provision to net charge-offs | 185.5670% | 1,432 |
| Earnings coverage of net charge-offs (x) | 12.3526% | 2,431 |
| Efficiency ratio | 48.7028% | 5,313 |
| Assets per employee ($millions) | 6.0741% | 1,439 |
| Cash dividends to net income (ytd only)* | 48.5142% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2388% | 382 |
| Loan loss allowance to noncurrent loans | 89.9395% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 2.2431% | 532 |
| Noncurrent loans to loans | 2.4892% | 618 |
| Net loans and leases to total assets | 85.1585% | 323 |
| Net loans and leases to deposits | 100.7030% | 703 |
| Net loans and leases to core deposits | 111.2468% | 962 |
| Total domestic deposits to total assets | 84.5640% | 2,894 |
| Equity capital to assets | 12.3296% | 1,760 |
| Core capital (leverage) ratio | 12.3886% | 1,462 |
| Tier 1 risk-based capital ratio | 14.4048% | 3,238 |
| Total risk-based capital ratio | 15.6677% | 3,148 |
| Memoranda: | ||
| Average total assets | $378,675,000 | 1,809 |
| Average earning assets | $365,337,250 | 1,741 |
| Average equity | $46,616,000 | 1,631 |
| Average total loans | $330,665,000 | 1,455 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6883% | 1,082 |
| Cost of funding earning assets | 0.7123% | 836 |
| Net interest margin | 3.9760% | 1,692 |
| Noninterest income to average assets | 0.3053% | 4,352 |
| Noninterest expense to average assets | 1.9786% | 5,020 |
| Loan and lease loss provision to assets | 0.3197% | 466 |
| Net operating income to assets | 1.7651% | 485 |
| Return on assets (ROA) | 1.7958% | 468 |
| Pretax return on assets | 1.8731% | 702 |
| Return on Equity (ROE) | 14.5957% | 722 |
| Retained earnings to average equity (ytd only) | 7.8825% | 1,216 |
| Net charge-offs to loans | 0.0220% | 2,783 |
| Credit loss provision to net charge-offs | 1,666.6667% | 247 |
| Earnings coverage of net charge-offs (x) | 112.6389% | 603 |
| Efficiency ratio | 47.7987% | 5,400 |
| Assets per employee ($millions) | 5.8474% | 1,581 |
| Cash dividends to net income (ytd only)* | 45.9941% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3157% | 367 |
| Loan loss allowance to noncurrent loans | 134.1083% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 1.6389% | 901 |
| Noncurrent loans to loans | 1.7267% | 1,048 |
| Net loans and leases to total assets | 84.4934% | 399 |
| Net loans and leases to deposits | 99.7800% | 756 |
| Net loans and leases to core deposits | 110.7330% | 967 |
| Total domestic deposits to total assets | 84.6797% | 2,947 |
| Equity capital to assets | 12.2430% | 1,763 |
| Core capital (leverage) ratio | 12.3702% | 1,434 |
| Tier 1 risk-based capital ratio | 14.4234% | 3,205 |
| Total risk-based capital ratio | 15.6872% | 3,128 |
| Memoranda: | ||
| Average total assets | $375,320,000 | 1,824 |
| Average earning assets | $361,922,000 | 1,757 |
| Average equity | $46,178,000 | 1,644 |
| Average total loans | $328,011,330 | 1,463 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6966% | 945 |
| Cost of funding earning assets | 0.6791% | 934 |
| Net interest margin | 4.0175% | 1,425 |
| Noninterest income to average assets | 0.3319% | 4,176 |
| Noninterest expense to average assets | 2.0302% | 4,979 |
| Loan and lease loss provision to assets | 0.3243% | 381 |
| Net operating income to assets | 1.7917% | 456 |
| Return on assets (ROA) | 1.8540% | 420 |
| Pretax return on assets | 1.9307% | 589 |
| Return on Equity (ROE) | 15.0299% | 636 |
| Retained earnings to average equity (ytd only) | 8.0188% | 1,453 |
| Net charge-offs to loans | 0.0357% | 2,074 |
| Credit loss provision to net charge-offs | 1,034.4828% | 305 |
| Earnings coverage of net charge-offs (x) | 69.8621% | 724 |
| Efficiency ratio | 48.1045% | 5,466 |
| Assets per employee ($millions) | 5.8276% | 1,622 |
| Cash dividends to net income (ytd only)* | 46.6472% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2355% | 450 |
| Loan loss allowance to noncurrent loans | 119.8743% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 1.6846% | 893 |
| Noncurrent loans to loans | 1.8649% | 991 |
| Net loans and leases to total assets | 85.8611% | 231 |
| Net loans and leases to deposits | 101.9750% | 500 |
| Net loans and leases to core deposits | 113.9341% | 679 |
| Total domestic deposits to total assets | 84.1982% | 3,396 |
| Equity capital to assets | 12.1877% | 1,716 |
| Core capital (leverage) ratio | 12.4094% | 1,383 |
| Tier 1 risk-based capital ratio | 14.4076% | 3,254 |
| Total risk-based capital ratio | 15.6707% | 3,171 |
| Memoranda: | ||
| Average total assets | $370,017,000 | 1,860 |
| Average earning assets | $358,134,000 | 1,783 |
| Average equity | $45,642,500 | 1,659 |
| Average total loans | $325,111,000 | 1,483 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7714% | 931 |
| Cost of funding earning assets | 0.6406% | 1,103 |
| Net interest margin | 4.1309% | 1,307 |
| Noninterest income to average assets | 0.3171% | 4,463 |
| Noninterest expense to average assets | 2.0206% | 5,146 |
| Loan and lease loss provision to assets | 0.2534% | 823 |
| Net operating income to assets | 1.9540% | 354 |
| Return on assets (ROA) | 1.9502% | 373 |
| Pretax return on assets | 2.0375% | 457 |
| Return on Equity (ROE) | 15.5842% | 549 |
| Retained earnings to average equity (ytd only) | 6.9213% | 1,262 |
| Net charge-offs to loans | 0.0375% | 3,278 |
| Credit loss provision to net charge-offs | 789.4737% | 468 |
| Earnings coverage of net charge-offs (x) | 71.4912% | 777 |
| Efficiency ratio | 46.8093% | 5,618 |
| Assets per employee ($millions) | 5.5576% | 1,821 |
| Cash dividends to net income (ytd only)* | 55.5876% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2567% | 434 |
| Loan loss allowance to noncurrent loans | 159.0677% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 1.3155% | 1,330 |
| Noncurrent loans to loans | 1.4187% | 1,434 |
| Net loans and leases to total assets | 85.9213% | 235 |
| Net loans and leases to deposits | 100.9471% | 604 |
| Net loans and leases to core deposits | 113.2346% | 727 |
| Total domestic deposits to total assets | 85.1152% | 2,999 |
| Equity capital to assets | 12.4900% | 1,533 |
| Core capital (leverage) ratio | 12.4875% | 1,339 |
| Tier 1 risk-based capital ratio | 14.6049% | 3,149 |
| Total risk-based capital ratio | 15.8677% | 3,079 |
| Memoranda: | ||
| Average total assets | $355,145,000 | 1,879 |
| Average earning assets | $343,753,200 | 1,808 |
| Average equity | $44,442,400 | 1,673 |
| Average total loans | $303,924,400 | 1,504 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7687% | 953 |
| Cost of funding earning assets | 0.6346% | 1,114 |
| Net interest margin | 4.1342% | 1,297 |
| Noninterest income to average assets | 0.3122% | 4,538 |
| Noninterest expense to average assets | 2.0040% | 5,194 |
| Loan and lease loss provision to assets | 0.2602% | 702 |
| Net operating income to assets | 1.9585% | 360 |
| Return on assets (ROA) | 1.9602% | 379 |
| Pretax return on assets | 2.0564% | 505 |
| Return on Equity (ROE) | 15.6569% | 588 |
| Retained earnings to average equity (ytd only) | 8.4293% | 1,004 |
| Net charge-offs to loans | 0.0231% | 3,222 |
| Credit loss provision to net charge-offs | 1,326.9231% | 321 |
| Earnings coverage of net charge-offs (x) | 118.0604% | 583 |
| Efficiency ratio | 46.3855% | 5,653 |
| Assets per employee ($millions) | 5.5237% | 1,830 |
| Cash dividends to net income (ytd only)* | 46.1627% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2305% | 488 |
| Loan loss allowance to noncurrent loans | 584.8333% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.4049% | 3,806 |
| Noncurrent loans to loans | 0.3814% | 3,893 |
| Net loans and leases to total assets | 84.3797% | 378 |
| Net loans and leases to deposits | 101.0927% | 633 |
| Net loans and leases to core deposits | 113.7468% | 735 |
| Total domestic deposits to total assets | 83.4676% | 3,411 |
| Equity capital to assets | 12.5317% | 1,757 |
| Core capital (leverage) ratio | 12.4993% | 1,398 |
| Tier 1 risk-based capital ratio | 13.9212% | 3,597 |
| Total risk-based capital ratio | 15.1825% | 3,517 |
| Memoranda: | ||
| Average total assets | $353,620,750 | 1,892 |
| Average earning assets | $342,697,250 | 1,815 |
| Average equity | $44,273,250 | 1,688 |
| Average total loans | $300,518,000 | 1,521 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7423% | 967 |
| Cost of funding earning assets | 0.6252% | 1,160 |
| Net interest margin | 4.1171% | 1,327 |
| Noninterest income to average assets | 0.3126% | 4,538 |
| Noninterest expense to average assets | 1.9779% | 5,318 |
| Loan and lease loss provision to assets | 0.2572% | 742 |
| Net operating income to assets | 1.9687% | 350 |
| Return on assets (ROA) | 1.9687% | 368 |
| Pretax return on assets | 2.0739% | 494 |
| Return on Equity (ROE) | 15.7298% | 571 |
| Retained earnings to average equity (ytd only) | 8.6525% | 950 |
| Net charge-offs to loans | -0.0122% | 4,760 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8753% | 5,757 |
| Assets per employee ($millions) | 5.4548% | 1,839 |
| Cash dividends to net income (ytd only)* | 44.9927% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2644% | 501 |
| Loan loss allowance to noncurrent loans | 394.9250% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.5289% | 3,445 |
| Noncurrent loans to loans | 0.5734% | 3,349 |
| Net loans and leases to total assets | 82.0978% | 619 |
| Net loans and leases to deposits | 98.1640% | 875 |
| Net loans and leases to core deposits | 110.4337% | 908 |
| Total domestic deposits to total assets | 83.6333% | 3,408 |
| Equity capital to assets | 12.4524% | 1,808 |
| Core capital (leverage) ratio | 12.5150% | 1,347 |
| Tier 1 risk-based capital ratio | 14.0383% | 3,585 |
| Total risk-based capital ratio | 15.2997% | 3,497 |
| Memoranda: | ||
| Average total assets | $349,973,000 | 1,914 |
| Average earning assets | $339,708,000 | 1,831 |
| Average equity | $43,802,330 | 1,705 |
| Average total loans | $295,812,000 | 1,537 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7483% | 954 |
| Cost of funding earning assets | 0.6189% | 1,223 |
| Net interest margin | 4.1294% | 1,263 |
| Noninterest income to average assets | 0.3154% | 4,470 |
| Noninterest expense to average assets | 1.9991% | 5,341 |
| Loan and lease loss provision to assets | 0.2609% | 660 |
| Net operating income to assets | 1.9574% | 359 |
| Return on assets (ROA) | 1.9574% | 378 |
| Pretax return on assets | 2.0710% | 495 |
| Return on Equity (ROE) | 15.5979% | 586 |
| Retained earnings to average equity (ytd only) | 9.1296% | 1,071 |
| Net charge-offs to loans | -0.0150% | 4,714 |
| Credit loss provision to net charge-offs | -2,045.4545% | 4,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1312% | 5,808 |
| Assets per employee ($millions) | 5.3713% | 1,951 |
| Cash dividends to net income (ytd only)* | 41.4692% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2703% | 542 |
| Loan loss allowance to noncurrent loans | 823.9103% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.2747% | 4,459 |
| Noncurrent loans to loans | 0.2756% | 4,446 |
| Net loans and leases to total assets | 80.3374% | 766 |
| Net loans and leases to deposits | 93.5421% | 1,187 |
| Net loans and leases to core deposits | 105.9812% | 1,078 |
| Total domestic deposits to total assets | 85.8837% | 2,718 |
| Equity capital to assets | 12.3584% | 1,776 |
| Core capital (leverage) ratio | 12.6094% | 1,299 |
| Tier 1 risk-based capital ratio | 14.1467% | 3,600 |
| Total risk-based capital ratio | 15.4080% | 3,521 |
| Memoranda: | ||
| Average total assets | $344,950,500 | 1,943 |
| Average earning assets | $335,447,500 | 1,853 |
| Average equity | $43,288,000 | 1,720 |
| Average total loans | $292,510,500 | 1,553 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8865% | 793 |
| Cost of funding earning assets | 0.5916% | 1,423 |
| Net interest margin | 4.2950% | 968 |
| Noninterest income to average assets | 0.2799% | 4,879 |
| Noninterest expense to average assets | 2.1057% | 5,246 |
| Loan and lease loss provision to assets | 0.1822% | 1,242 |
| Net operating income to assets | 2.0841% | 301 |
| Return on assets (ROA) | 2.1433% | 275 |
| Pretax return on assets | 2.2128% | 335 |
| Return on Equity (ROE) | 16.9506% | 459 |
| Retained earnings to average equity (ytd only) | 7.7057% | 1,014 |
| Net charge-offs to loans | 0.0738% | 2,776 |
| Credit loss provision to net charge-offs | 289.8551% | 1,016 |
| Earnings coverage of net charge-offs (x) | 37.1353% | 1,242 |
| Efficiency ratio | 47.4012% | 5,863 |
| Assets per employee ($millions) | 4.8608% | 2,515 |
| Cash dividends to net income (ytd only)* | 54.5403% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1730% | 619 |
| Loan loss allowance to noncurrent loans | 614.6435% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.3643% | 4,130 |
| Noncurrent loans to loans | 0.3535% | 4,192 |
| Net loans and leases to total assets | 85.6376% | 260 |
| Net loans and leases to deposits | 100.3504% | 651 |
| Net loans and leases to core deposits | 109.4407% | 892 |
| Total domestic deposits to total assets | 85.3385% | 2,929 |
| Equity capital to assets | 12.7506% | 1,490 |
| Core capital (leverage) ratio | 12.6448% | 1,287 |
| Tier 1 risk-based capital ratio | 13.8700% | 3,789 |
| Total risk-based capital ratio | 15.1302% | 3,711 |
| Memoranda: | ||
| Average total assets | $329,349,400 | 1,995 |
| Average earning assets | $318,979,000 | 1,895 |
| Average equity | $41,644,600 | 1,739 |
| Average total loans | $280,551,000 | 1,555 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8924% | 778 |
| Cost of funding earning assets | 0.5902% | 1,469 |
| Net interest margin | 4.3022% | 955 |
| Noninterest income to average assets | 0.2705% | 4,999 |
| Noninterest expense to average assets | 2.0676% | 5,348 |
| Loan and lease loss provision to assets | 0.1830% | 1,135 |
| Net operating income to assets | 2.0990% | 304 |
| Return on assets (ROA) | 2.1774% | 281 |
| Pretax return on assets | 2.2665% | 356 |
| Return on Equity (ROE) | 17.2575% | 453 |
| Retained earnings to average equity (ytd only) | 9.5216% | 735 |
| Net charge-offs to loans | 0.1015% | 2,128 |
| Credit loss provision to net charge-offs | 213.2701% | 1,271 |
| Earnings coverage of net charge-offs (x) | 27.5920% | 1,576 |
| Efficiency ratio | 46.5890% | 5,941 |
| Assets per employee ($millions) | 5.0180% | 2,279 |
| Cash dividends to net income (ytd only)* | 44.8263% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1777% | 692 |
| Loan loss allowance to noncurrent loans | 452.8000% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.4484% | 4,001 |
| Noncurrent loans to loans | 0.4809% | 3,917 |
| Net loans and leases to total assets | 84.4445% | 352 |
| Net loans and leases to deposits | 101.3778% | 588 |
| Net loans and leases to core deposits | 110.8232% | 830 |
| Total domestic deposits to total assets | 83.2968% | 3,700 |
| Equity capital to assets | 12.8703% | 1,521 |
| Core capital (leverage) ratio | 12.7060% | 1,316 |
| Tier 1 risk-based capital ratio | 14.1658% | 3,752 |
| Total risk-based capital ratio | 15.4257% | 3,679 |
| Memoranda: | ||
| Average total assets | $327,837,750 | 2,018 |
| Average earning assets | $317,380,750 | 1,922 |
| Average equity | $41,364,500 | 1,761 |
| Average total loans | $277,287,500 | 1,582 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8695% | 778 |
| Cost of funding earning assets | 0.5863% | 1,512 |
| Net interest margin | 4.2832% | 956 |
| Noninterest income to average assets | 0.2632% | 5,065 |
| Noninterest expense to average assets | 2.0109% | 5,511 |
| Loan and lease loss provision to assets | 0.1836% | 1,109 |
| Net operating income to assets | 2.1255% | 299 |
| Return on assets (ROA) | 2.1443% | 297 |
| Pretax return on assets | 2.2337% | 392 |
| Return on Equity (ROE) | 17.1110% | 471 |
| Retained earnings to average equity (ytd only) | 9.5398% | 770 |
| Net charge-offs to loans | 0.1246% | 1,760 |
| Credit loss provision to net charge-offs | 175.4386% | 1,370 |
| Earnings coverage of net charge-offs (x) | 22.9064% | 1,625 |
| Efficiency ratio | 45.5846% | 6,057 |
| Assets per employee ($millions) | 4.8571% | 2,462 |
| Cash dividends to net income (ytd only)* | 44.2478% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1816% | 756 |
| Loan loss allowance to noncurrent loans | 743.1349% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.2546% | 4,853 |
| Noncurrent loans to loans | 0.2936% | 4,630 |
| Net loans and leases to total assets | 83.0296% | 470 |
| Net loans and leases to deposits | 99.8649% | 671 |
| Net loans and leases to core deposits | 106.2932% | 1,058 |
| Total domestic deposits to total assets | 83.1419% | 3,891 |
| Equity capital to assets | 12.6117% | 1,595 |
| Core capital (leverage) ratio | 12.5330% | 1,362 |
| Tier 1 risk-based capital ratio | 14.2533% | 3,792 |
| Total risk-based capital ratio | 15.5141% | 3,711 |
| Memoranda: | ||
| Average total assets | $326,721,000 | 2,035 |
| Average earning assets | $316,213,330 | 1,937 |
| Average equity | $40,944,330 | 1,786 |
| Average total loans | $274,418,000 | 1,605 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8631% | 761 |
| Cost of funding earning assets | 0.5877% | 1,517 |
| Net interest margin | 4.2754% | 929 |
| Noninterest income to average assets | 0.2548% | 5,137 |
| Noninterest expense to average assets | 1.9942% | 5,588 |
| Loan and lease loss provision to assets | 0.1846% | 1,031 |
| Net operating income to assets | 2.1308% | 265 |
| Return on assets (ROA) | 2.1308% | 283 |
| Pretax return on assets | 2.2133% | 375 |
| Return on Equity (ROE) | 17.0586% | 465 |
| Retained earnings to average equity (ytd only) | 10.1603% | 879 |
| Net charge-offs to loans | 0.0958% | 1,762 |
| Credit loss provision to net charge-offs | 230.7692% | 960 |
| Earnings coverage of net charge-offs (x) | 29.9692% | 1,151 |
| Efficiency ratio | 45.3756% | 6,131 |
| Assets per employee ($millions) | 5.3281% | 1,961 |
| Cash dividends to net income (ytd only)* | 40.4391% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2474% | 752 |
| Loan loss allowance to noncurrent loans | 722.8571% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.2751% | 4,846 |
| Noncurrent loans to loans | 0.3109% | 4,677 |
| Net loans and leases to total assets | 81.2595% | 543 |
| Net loans and leases to deposits | 93.8473% | 997 |
| Net loans and leases to core deposits | 99.3817% | 1,367 |
| Total domestic deposits to total assets | 86.5870% | 2,615 |
| Equity capital to assets | 12.6786% | 1,580 |
| Core capital (leverage) ratio | 12.1834% | 1,521 |
| Tier 1 risk-based capital ratio | 14.4927% | 3,728 |
| Total risk-based capital ratio | 15.7544% | 3,645 |
| Memoranda: | ||
| Average total assets | $324,941,500 | 2,053 |
| Average earning assets | $314,449,500 | 1,964 |
| Average equity | $40,589,500 | 1,808 |
| Average total loans | $271,454,000 | 1,616 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8929% | 937 |
| Cost of funding earning assets | 0.6337% | 1,522 |
| Net interest margin | 4.2592% | 1,144 |
| Noninterest income to average assets | 0.2566% | 5,295 |
| Noninterest expense to average assets | 1.9906% | 5,778 |
| Loan and lease loss provision to assets | 0.2330% | 1,040 |
| Net operating income to assets | 2.0653% | 292 |
| Return on assets (ROA) | 2.0835% | 291 |
| Pretax return on assets | 2.1677% | 346 |
| Return on Equity (ROE) | 17.4422% | 446 |
| Retained earnings to average equity (ytd only) | 8.0787% | 992 |
| Net charge-offs to loans | 0.0791% | 3,361 |
| Credit loss provision to net charge-offs | 360.5769% | 729 |
| Earnings coverage of net charge-offs (x) | 36.8558% | 1,154 |
| Efficiency ratio | 45.4985% | 6,285 |
| Assets per employee ($millions) | 4.3901% | 3,209 |
| Cash dividends to net income (ytd only)* | 53.6833% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1952% | 830 |
| Loan loss allowance to noncurrent loans | 831.5278% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.2961% | 4,849 |
| Noncurrent loans to loans | 0.2640% | 4,894 |
| Net loans and leases to total assets | 82.1082% | 512 |
| Net loans and leases to deposits | 94.7251% | 1,016 |
| Net loans and leases to core deposits | 100.8644% | 1,333 |
| Total domestic deposits to total assets | 86.6805% | 2,467 |
| Equity capital to assets | 12.3040% | 1,777 |
| Core capital (leverage) ratio | 11.9339% | 1,669 |
| Tier 1 risk-based capital ratio | 14.5679% | 3,738 |
| Total risk-based capital ratio | 15.8300% | 3,664 |
| Memoranda: | ||
| Average total assets | $321,866,600 | 2,016 |
| Average earning assets | $311,023,000 | 1,926 |
| Average equity | $38,447,000 | 1,835 |
| Average total loans | $262,859,200 | 1,613 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8731% | 986 |
| Cost of funding earning assets | 0.6346% | 1,563 |
| Net interest margin | 4.2384% | 1,185 |
| Noninterest income to average assets | 0.2520% | 5,413 |
| Noninterest expense to average assets | 1.9477% | 5,864 |
| Loan and lease loss provision to assets | 0.2803% | 730 |
| Net operating income to assets | 2.0260% | 332 |
| Return on assets (ROA) | 2.0503% | 329 |
| Pretax return on assets | 2.1450% | 411 |
| Return on Equity (ROE) | 17.2960% | 520 |
| Retained earnings to average equity (ytd only) | 9.0648% | 976 |
| Net charge-offs to loans | 0.0205% | 4,119 |
| Credit loss provision to net charge-offs | 1,687.5000% | 210 |
| Earnings coverage of net charge-offs (x) | 144.5053% | 428 |
| Efficiency ratio | 44.7713% | 6,338 |
| Assets per employee ($millions) | 5.1421% | 2,087 |
| Cash dividends to net income (ytd only)* | 47.5902% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2961% | 827 |
| Loan loss allowance to noncurrent loans | 376.2376% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.6546% | 3,875 |
| Noncurrent loans to loans | 0.6103% | 4,098 |
| Net loans and leases to total assets | 81.1495% | 589 |
| Net loans and leases to deposits | 93.1899% | 1,106 |
| Net loans and leases to core deposits | 99.3495% | 1,426 |
| Total domestic deposits to total assets | 87.0797% | 2,276 |
| Equity capital to assets | 12.3808% | 1,789 |
| Core capital (leverage) ratio | 12.0389% | 1,680 |
| Tier 1 risk-based capital ratio | 14.7005% | 3,755 |
| Total risk-based capital ratio | 15.9639% | 3,692 |
| Memoranda: | ||
| Average total assets | $321,115,750 | 2,036 |
| Average earning assets | $310,294,500 | 1,946 |
| Average equity | $38,065,750 | 1,860 |
| Average total loans | $260,391,000 | 1,633 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8327% | 1,017 |
| Cost of funding earning assets | 0.6350% | 1,624 |
| Net interest margin | 4.1977% | 1,247 |
| Noninterest income to average assets | 0.2380% | 5,494 |
| Noninterest expense to average assets | 1.8771% | 6,039 |
| Loan and lease loss provision to assets | 0.2796% | 728 |
| Net operating income to assets | 2.0326% | 315 |
| Return on assets (ROA) | 2.0591% | 312 |
| Pretax return on assets | 2.1635% | 394 |
| Return on Equity (ROE) | 17.6289% | 496 |
| Retained earnings to average equity (ytd only) | 9.6496% | 807 |
| Net charge-offs to loans | 0.0278% | 3,637 |
| Credit loss provision to net charge-offs | 1,250.0000% | 278 |
| Earnings coverage of net charge-offs (x) | 107.9722% | 526 |
| Efficiency ratio | 43.7030% | 6,430 |
| Assets per employee ($millions) | 5.1715% | 2,002 |
| Cash dividends to net income (ytd only)* | 45.2625% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2348% | 976 |
| Loan loss allowance to noncurrent loans | 396.6825% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.6129% | 4,135 |
| Noncurrent loans to loans | 0.5634% | 4,326 |
| Net loans and leases to total assets | 79.9384% | 693 |
| Net loans and leases to deposits | 92.9643% | 1,055 |
| Net loans and leases to core deposits | 99.6090% | 1,314 |
| Total domestic deposits to total assets | 85.9883% | 3,038 |
| Equity capital to assets | 12.0839% | 1,924 |
| Core capital (leverage) ratio | 11.8314% | 1,767 |
| Tier 1 risk-based capital ratio | 14.5984% | 3,870 |
| Total risk-based capital ratio | 15.8463% | 3,822 |
| Memoranda: | ||
| Average total assets | $321,884,670 | 2,028 |
| Average earning assets | $310,883,000 | 1,934 |
| Average equity | $37,597,330 | 1,874 |
| Average total loans | $258,924,000 | 1,638 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7979% | 1,049 |
| Cost of funding earning assets | 0.6349% | 1,689 |
| Net interest margin | 4.1630% | 1,309 |
| Noninterest income to average assets | 0.2406% | 5,433 |
| Noninterest expense to average assets | 1.8765% | 6,100 |
| Loan and lease loss provision to assets | 0.2791% | 731 |
| Net operating income to assets | 2.0043% | 341 |
| Return on assets (ROA) | 2.0043% | 353 |
| Pretax return on assets | 2.1023% | 427 |
| Return on Equity (ROE) | 17.4592% | 492 |
| Retained earnings to average equity (ytd only) | 10.4366% | 862 |
| Net charge-offs to loans | 0.3265% | 1,089 |
| Credit loss provision to net charge-offs | 107.1429% | 1,563 |
| Earnings coverage of net charge-offs (x) | 9.1429% | 1,961 |
| Efficiency ratio | 44.0431% | 6,500 |
| Assets per employee ($millions) | 5.3294% | 1,883 |
| Cash dividends to net income (ytd only)* | 40.2228% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1196% | 1,288 |
| Loan loss allowance to noncurrent loans | 229.5082% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.8210% | 3,681 |
| Noncurrent loans to loans | 0.9235% | 3,572 |
| Net loans and leases to total assets | 77.5589% | 811 |
| Net loans and leases to deposits | 88.1956% | 1,339 |
| Net loans and leases to core deposits | 94.7798% | 1,486 |
| Total domestic deposits to total assets | 87.9397% | 2,263 |
| Equity capital to assets | 11.5657% | 2,189 |
| Core capital (leverage) ratio | 11.4544% | 2,002 |
| Tier 1 risk-based capital ratio | 14.4208% | 4,052 |
| Total risk-based capital ratio | 15.6814% | 4,003 |
| Memoranda: | ||
| Average total assets | $322,510,500 | 2,026 |
| Average earning assets | $311,221,500 | 1,938 |
| Average equity | $37,023,500 | 1,893 |
| Average total loans | $257,302,000 | 1,652 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9093% | 1,079 |
| Cost of funding earning assets | 0.7148% | 1,713 |
| Net interest margin | 4.1945% | 1,368 |
| Noninterest income to average assets | 0.2468% | 5,577 |
| Noninterest expense to average assets | 1.9587% | 6,092 |
| Loan and lease loss provision to assets | 0.2862% | 1,204 |
| Net operating income to assets | 1.9657% | 362 |
| Return on assets (ROA) | 1.9774% | 354 |
| Pretax return on assets | 2.0467% | 432 |
| Return on Equity (ROE) | 17.4931% | 455 |
| Retained earnings to average equity (ytd only) | 8.2092% | 987 |
| Net charge-offs to loans | 0.1483% | 3,321 |
| Credit loss provision to net charge-offs | 250.6964% | 903 |
| Earnings coverage of net charge-offs (x) | 20.3287% | 1,554 |
| Efficiency ratio | 45.7383% | 6,567 |
| Assets per employee ($millions) | 5.0783% | 2,097 |
| Cash dividends to net income (ytd only)* | 53.0717% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1186% | 1,305 |
| Loan loss allowance to noncurrent loans | 253.7279% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.7995% | 3,883 |
| Noncurrent loans to loans | 0.8350% | 3,890 |
| Net loans and leases to total assets | 78.6303% | 749 |
| Net loans and leases to deposits | 89.5713% | 1,272 |
| Net loans and leases to core deposits | 95.5427% | 1,484 |
| Total domestic deposits to total assets | 87.7851% | 2,317 |
| Equity capital to assets | 11.3925% | 2,242 |
| Core capital (leverage) ratio | 11.3590% | 2,068 |
| Tier 1 risk-based capital ratio | 14.3458% | 4,051 |
| Total risk-based capital ratio | 15.6072% | 3,989 |
| Memoranda: | ||
| Average total assets | $314,450,400 | 2,045 |
| Average earning assets | $302,327,000 | 1,960 |
| Average equity | $35,545,400 | 1,936 |
| Average total loans | $242,103,200 | 1,709 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9372% | 1,055 |
| Cost of funding earning assets | 0.7272% | 1,756 |
| Net interest margin | 4.2100% | 1,302 |
| Noninterest income to average assets | 0.2491% | 5,648 |
| Noninterest expense to average assets | 1.9466% | 6,102 |
| Loan and lease loss provision to assets | 0.2875% | 1,197 |
| Net operating income to assets | 1.9809% | 372 |
| Return on assets (ROA) | 1.9965% | 376 |
| Pretax return on assets | 2.0748% | 496 |
| Return on Equity (ROE) | 17.6969% | 467 |
| Retained earnings to average equity (ytd only) | 8.8258% | 1,109 |
| Net charge-offs to loans | 0.0945% | 3,620 |
| Credit loss provision to net charge-offs | 399.4083% | 672 |
| Earnings coverage of net charge-offs (x) | 32.5973% | 1,161 |
| Efficiency ratio | 45.3175% | 6,615 |
| Assets per employee ($millions) | 5.1997% | 1,930 |
| Cash dividends to net income (ytd only)* | 50.1281% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1815% | 1,357 |
| Loan loss allowance to noncurrent loans | 220.0081% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.8629% | 3,957 |
| Noncurrent loans to loans | 0.9916% | 3,825 |
| Net loans and leases to total assets | 76.4792% | 939 |
| Net loans and leases to deposits | 88.3355% | 1,335 |
| Net loans and leases to core deposits | 94.4597% | 1,532 |
| Total domestic deposits to total assets | 86.5781% | 2,920 |
| Equity capital to assets | 11.3509% | 2,431 |
| Core capital (leverage) ratio | 11.3164% | 2,184 |
| Tier 1 risk-based capital ratio | 14.4394% | 4,113 |
| Total risk-based capital ratio | 15.7013% | 4,068 |
| Memoranda: | ||
| Average total assets | $313,080,500 | 2,066 |
| Average earning assets | $300,701,500 | 1,980 |
| Average equity | $35,319,750 | 1,967 |
| Average total loans | $238,377,250 | 1,740 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9560% | 988 |
| Cost of funding earning assets | 0.7394% | 1,778 |
| Net interest margin | 4.2166% | 1,236 |
| Noninterest income to average assets | 0.2483% | 5,675 |
| Noninterest expense to average assets | 1.9229% | 6,179 |
| Loan and lease loss provision to assets | 0.2887% | 1,258 |
| Net operating income to assets | 2.0063% | 353 |
| Return on assets (ROA) | 2.0063% | 376 |
| Pretax return on assets | 2.0910% | 502 |
| Return on Equity (ROE) | 17.8217% | 474 |
| Retained earnings to average equity (ytd only) | 8.7028% | 1,224 |
| Net charge-offs to loans | 0.1072% | 3,287 |
| Credit loss provision to net charge-offs | 357.1429% | 729 |
| Earnings coverage of net charge-offs (x) | 29.4365% | 1,163 |
| Efficiency ratio | 44.6615% | 6,690 |
| Assets per employee ($millions) | 4.7924% | 2,390 |
| Cash dividends to net income (ytd only)* | 51.1673% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1817% | 1,460 |
| Loan loss allowance to noncurrent loans | 296.2040% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.7374% | 4,370 |
| Noncurrent loans to loans | 0.7365% | 4,454 |
| Net loans and leases to total assets | 75.2488% | 1,080 |
| Net loans and leases to deposits | 88.3453% | 1,300 |
| Net loans and leases to core deposits | 92.7256% | 1,634 |
| Total domestic deposits to total assets | 85.1758% | 3,813 |
| Equity capital to assets | 11.1905% | 2,558 |
| Core capital (leverage) ratio | 11.0966% | 2,269 |
| Tier 1 risk-based capital ratio | 14.3583% | 4,189 |
| Total risk-based capital ratio | 15.6198% | 4,136 |
| Memoranda: | ||
| Average total assets | $311,713,000 | 2,082 |
| Average earning assets | $299,719,670 | 1,987 |
| Average equity | $35,092,000 | 1,982 |
| Average total loans | $235,173,330 | 1,749 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9971% | 892 |
| Cost of funding earning assets | 0.7539% | 1,814 |
| Net interest margin | 4.2432% | 1,091 |
| Noninterest income to average assets | 0.2412% | 5,732 |
| Noninterest expense to average assets | 1.8639% | 6,344 |
| Loan and lease loss provision to assets | 0.2886% | 1,216 |
| Net operating income to assets | 2.0871% | 298 |
| Return on assets (ROA) | 2.0871% | 325 |
| Pretax return on assets | 2.1679% | 442 |
| Return on Equity (ROE) | 18.4842% | 404 |
| Retained earnings to average equity (ytd only) | 9.9635% | 1,112 |
| Net charge-offs to loans | 0.0069% | 4,016 |
| Credit loss provision to net charge-offs | 5,625.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 478.7500% | 68 |
| Efficiency ratio | 43.1116% | 6,805 |
| Assets per employee ($millions) | 5.2309% | 1,943 |
| Cash dividends to net income (ytd only)* | 46.0971% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1936% | 1,595 |
| Loan loss allowance to noncurrent loans | 345.3504% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.6328% | 4,795 |
| Noncurrent loans to loans | 0.6352% | 4,861 |
| Net loans and leases to total assets | 72.8073% | 1,232 |
| Net loans and leases to deposits | 82.7460% | 1,738 |
| Net loans and leases to core deposits | 86.5066% | 2,060 |
| Total domestic deposits to total assets | 87.9890% | 2,317 |
| Equity capital to assets | 11.3327% | 2,600 |
| Core capital (leverage) ratio | 10.9054% | 2,347 |
| Tier 1 risk-based capital ratio | 14.3282% | 4,276 |
| Total risk-based capital ratio | 15.5893% | 4,236 |
| Memoranda: | ||
| Average total assets | $311,817,500 | 2,107 |
| Average earning assets | $299,776,000 | 2,013 |
| Average equity | $35,208,500 | 2,007 |
| Average total loans | $232,944,500 | 1,774 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2023% | 1,111 |
| Cost of funding earning assets | 0.8886% | 2,000 |
| Net interest margin | 4.3138% | 1,375 |
| Noninterest income to average assets | 0.2656% | 5,561 |
| Noninterest expense to average assets | 1.9534% | 6,415 |
| Loan and lease loss provision to assets | 0.3949% | 1,651 |
| Net operating income to assets | 1.9919% | 360 |
| Return on assets (ROA) | 2.0693% | 348 |
| Pretax return on assets | 2.1453% | 454 |
| Return on Equity (ROE) | 18.6393% | 387 |
| Retained earnings to average equity (ytd only) | 9.5983% | 679 |
| Net charge-offs to loans | 0.1715% | 4,004 |
| Credit loss provision to net charge-offs | 321.7158% | 758 |
| Earnings coverage of net charge-offs (x) | 20.0375% | 1,368 |
| Efficiency ratio | 44.2356% | 6,838 |
| Assets per employee ($millions) | 4.9965% | 2,234 |
| Cash dividends to net income (ytd only)* | 48.5051% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1115% | 1,738 |
| Loan loss allowance to noncurrent loans | 299.2068% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.7247% | 4,669 |
| Noncurrent loans to loans | 0.7057% | 4,777 |
| Net loans and leases to total assets | 73.3910% | 1,275 |
| Net loans and leases to deposits | 83.3493% | 1,833 |
| Net loans and leases to core deposits | 87.0954% | 2,180 |
| Total domestic deposits to total assets | 88.0522% | 2,205 |
| Equity capital to assets | 11.2495% | 2,687 |
| Core capital (leverage) ratio | 10.6899% | 2,553 |
| Tier 1 risk-based capital ratio | 14.1578% | 4,275 |
| Total risk-based capital ratio | 15.4181% | 4,225 |
| Memoranda: | ||
| Average total assets | $303,875,800 | 2,114 |
| Average earning assets | $292,158,600 | 2,021 |
| Average equity | $33,735,200 | 2,046 |
| Average total loans | $217,498,000 | 1,861 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2140% | 1,165 |
| Cost of funding earning assets | 0.9154% | 2,068 |
| Net interest margin | 4.2986% | 1,462 |
| Noninterest income to average assets | 0.2764% | 5,566 |
| Noninterest expense to average assets | 1.9625% | 6,420 |
| Loan and lease loss provision to assets | 0.4299% | 1,476 |
| Net operating income to assets | 1.9484% | 411 |
| Return on assets (ROA) | 1.9938% | 437 |
| Pretax return on assets | 2.0656% | 611 |
| Return on Equity (ROE) | 18.0208% | 500 |
| Retained earnings to average equity (ytd only) | 10.6483% | 751 |
| Net charge-offs to loans | 0.2139% | 3,448 |
| Credit loss provision to net charge-offs | 284.2566% | 952 |
| Earnings coverage of net charge-offs (x) | 16.1925% | 1,707 |
| Efficiency ratio | 44.4578% | 6,884 |
| Assets per employee ($millions) | 5.1634% | 1,978 |
| Cash dividends to net income (ytd only)* | 40.9112% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1412% | 1,826 |
| Loan loss allowance to noncurrent loans | 517.4725% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.6063% | 5,161 |
| Noncurrent loans to loans | 0.4138% | 5,624 |
| Net loans and leases to total assets | 70.6462% | 1,794 |
| Net loans and leases to deposits | 80.8615% | 2,267 |
| Net loans and leases to core deposits | 84.5935% | 2,631 |
| Total domestic deposits to total assets | 87.3670% | 2,453 |
| Equity capital to assets | 11.4503% | 2,802 |
| Core capital (leverage) ratio | 10.6620% | 2,745 |
| Tier 1 risk-based capital ratio | 14.6437% | 4,090 |
| Total risk-based capital ratio | 15.9046% | 4,048 |
| Memoranda: | ||
| Average total assets | $302,399,250 | 2,141 |
| Average earning assets | $290,875,250 | 2,054 |
| Average equity | $33,456,750 | 2,076 |
| Average total loans | $213,808,500 | 1,918 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2219% | 1,197 |
| Cost of funding earning assets | 0.9511% | 2,059 |
| Net interest margin | 4.2708% | 1,544 |
| Noninterest income to average assets | 0.2752% | 5,610 |
| Noninterest expense to average assets | 1.9327% | 6,543 |
| Loan and lease loss provision to assets | 0.4973% | 1,278 |
| Net operating income to assets | 1.8937% | 467 |
| Return on assets (ROA) | 1.9619% | 481 |
| Pretax return on assets | 2.0209% | 668 |
| Return on Equity (ROE) | 17.9433% | 516 |
| Retained earnings to average equity (ytd only) | 10.9697% | 753 |
| Net charge-offs to loans | 0.2370% | 3,150 |
| Credit loss provision to net charge-offs | 298.8048% | 982 |
| Earnings coverage of net charge-offs (x) | 14.7092% | 1,692 |
| Efficiency ratio | 44.0896% | 6,953 |
| Assets per employee ($millions) | 4.9008% | 2,292 |
| Cash dividends to net income (ytd only)* | 38.8645% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1267% | 1,933 |
| Loan loss allowance to noncurrent loans | 473.7060% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.6388% | 5,177 |
| Noncurrent loans to loans | 0.4489% | 5,636 |
| Net loans and leases to total assets | 69.3078% | 2,052 |
| Net loans and leases to deposits | 78.7935% | 2,550 |
| Net loans and leases to core deposits | 81.6328% | 3,000 |
| Total domestic deposits to total assets | 87.9612% | 2,169 |
| Equity capital to assets | 11.1314% | 2,985 |
| Core capital (leverage) ratio | 10.3943% | 2,928 |
| Tier 1 risk-based capital ratio | 14.6424% | 4,004 |
| Total risk-based capital ratio | 15.9029% | 3,961 |
| Memoranda: | ||
| Average total assets | $301,652,670 | 2,145 |
| Average earning assets | $289,969,330 | 2,054 |
| Average equity | $32,981,670 | 2,087 |
| Average total loans | $211,769,670 | 1,930 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2435% | 1,220 |
| Cost of funding earning assets | 0.9937% | 2,018 |
| Net interest margin | 4.2498% | 1,608 |
| Noninterest income to average assets | 0.2742% | 5,679 |
| Noninterest expense to average assets | 1.9045% | 6,638 |
| Loan and lease loss provision to assets | 0.4991% | 1,220 |
| Net operating income to assets | 1.9218% | 479 |
| Return on assets (ROA) | 1.9218% | 549 |
| Pretax return on assets | 1.9630% | 792 |
| Return on Equity (ROE) | 17.7390% | 581 |
| Retained earnings to average equity (ytd only) | 11.5967% | 905 |
| Net charge-offs to loans | 0.3028% | 2,449 |
| Credit loss provision to net charge-offs | 235.8491% | 1,200 |
| Earnings coverage of net charge-offs (x) | 11.6352% | 1,659 |
| Efficiency ratio | 43.5843% | 7,005 |
| Assets per employee ($millions) | 5.0855% | 2,147 |
| Cash dividends to net income (ytd only)* | 34.6260% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0429% | 2,232 |
| Loan loss allowance to noncurrent loans | 278.2242% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.6476% | 5,265 |
| Noncurrent loans to loans | 0.7343% | 5,195 |
| Net loans and leases to total assets | 67.4620% | 2,206 |
| Net loans and leases to deposits | 76.4028% | 2,739 |
| Net loans and leases to core deposits | 79.5688% | 3,109 |
| Total domestic deposits to total assets | 88.2977% | 2,135 |
| Equity capital to assets | 10.8148% | 3,124 |
| Core capital (leverage) ratio | 10.2755% | 3,025 |
| Tier 1 risk-based capital ratio | 14.6630% | 3,977 |
| Total risk-based capital ratio | 15.9228% | 3,934 |
| Memoranda: | ||
| Average total assets | $300,553,000 | 2,164 |
| Average earning assets | $289,423,000 | 2,065 |
| Average equity | $32,561,000 | 2,111 |
| Average total loans | $210,070,000 | 1,947 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4348% | 1,332 |
| Cost of funding earning assets | 1.2033% | 2,007 |
| Net interest margin | 4.2315% | 1,957 |
| Noninterest income to average assets | 0.2775% | 5,545 |
| Noninterest expense to average assets | 1.8761% | 6,858 |
| Loan and lease loss provision to assets | 0.5222% | 2,014 |
| Net operating income to assets | 1.8745% | 402 |
| Return on assets (ROA) | 1.9290% | 387 |
| Pretax return on assets | 2.0066% | 527 |
| Return on Equity (ROE) | 18.2606% | 364 |
| Retained earnings to average equity (ytd only) | 9.3626% | 709 |
| Net charge-offs to loans | 0.3821% | 3,498 |
| Credit loss provision to net charge-offs | 193.5484% | 1,315 |
| Earnings coverage of net charge-offs (x) | 9.1626% | 2,029 |
| Efficiency ratio | 43.1145% | 7,146 |
| Assets per employee ($millions) | 4.8521% | 2,377 |
| Cash dividends to net income (ytd only)* | 48.7277% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9414% | 2,445 |
| Loan loss allowance to noncurrent loans | 231.1224% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.8325% | 4,961 |
| Noncurrent loans to loans | 0.8400% | 5,007 |
| Net loans and leases to total assets | 69.5743% | 2,121 |
| Net loans and leases to deposits | 79.0419% | 2,677 |
| Net loans and leases to core deposits | 81.7740% | 3,210 |
| Total domestic deposits to total assets | 88.0220% | 2,140 |
| Equity capital to assets | 10.8532% | 3,135 |
| Core capital (leverage) ratio | 10.0150% | 3,323 |
| Tier 1 risk-based capital ratio | 14.5315% | 3,950 |
| Total risk-based capital ratio | 15.7907% | 3,916 |
| Memoranda: | ||
| Average total assets | $287,248,200 | 2,215 |
| Average earning assets | $276,332,400 | 2,127 |
| Average equity | $30,344,000 | 2,168 |
| Average total loans | $202,848,800 | 2,017 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4239% | 1,448 |
| Cost of funding earning assets | 1.2568% | 1,955 |
| Net interest margin | 4.1671% | 2,216 |
| Noninterest income to average assets | 0.2774% | 5,631 |
| Noninterest expense to average assets | 1.8578% | 6,909 |
| Loan and lease loss provision to assets | 0.5262% | 1,878 |
| Net operating income to assets | 1.8356% | 484 |
| Return on assets (ROA) | 1.9088% | 453 |
| Pretax return on assets | 1.9784% | 651 |
| Return on Equity (ROE) | 18.1984% | 437 |
| Retained earnings to average equity (ytd only) | 10.6176% | 700 |
| Net charge-offs to loans | 0.4072% | 3,095 |
| Credit loss provision to net charge-offs | 183.2248% | 1,617 |
| Earnings coverage of net charge-offs (x) | 8.4560% | 2,175 |
| Efficiency ratio | 43.3108% | 7,170 |
| Assets per employee ($millions) | 5.0811% | 2,092 |
| Cash dividends to net income (ytd only)* | 41.6564% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8966% | 2,621 |
| Loan loss allowance to noncurrent loans | 154.4582% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 1.0227% | 4,714 |
| Noncurrent loans to loans | 1.2279% | 4,489 |
| Net loans and leases to total assets | 67.8024% | 2,519 |
| Net loans and leases to deposits | 77.1558% | 3,144 |
| Net loans and leases to core deposits | 79.5110% | 3,706 |
| Total domestic deposits to total assets | 87.8772% | 2,111 |
| Equity capital to assets | 10.7923% | 3,373 |
| Core capital (leverage) ratio | 10.1632% | 3,229 |
| Tier 1 risk-based capital ratio | 14.6532% | 3,863 |
| Total risk-based capital ratio | 15.9115% | 3,838 |
| Memoranda: | ||
| Average total assets | $285,066,000 | 2,237 |
| Average earning assets | $274,238,000 | 2,141 |
| Average equity | $29,899,250 | 2,203 |
| Average total loans | $201,060,750 | 2,053 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4373% | 1,455 |
| Cost of funding earning assets | 1.2854% | 2,034 |
| Net interest margin | 4.1519% | 2,223 |
| Noninterest income to average assets | 0.2789% | 5,653 |
| Noninterest expense to average assets | 1.7960% | 7,090 |
| Loan and lease loss provision to assets | 0.5322% | 1,837 |
| Net operating income to assets | 1.8796% | 425 |
| Return on assets (ROA) | 1.9918% | 363 |
| Pretax return on assets | 2.0614% | 521 |
| Return on Equity (ROE) | 19.1840% | 369 |
| Retained earnings to average equity (ytd only) | 12.3496% | 475 |
| Net charge-offs to loans | 0.1818% | 4,072 |
| Credit loss provision to net charge-offs | 412.0879% | 730 |
| Earnings coverage of net charge-offs (x) | 19.1868% | 1,227 |
| Efficiency ratio | 41.9890% | 7,298 |
| Assets per employee ($millions) | 5.2109% | 1,860 |
| Cash dividends to net income (ytd only)* | 35.6252% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9052% | 2,653 |
| Loan loss allowance to noncurrent loans | 156.5495% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 1.0269% | 4,828 |
| Noncurrent loans to loans | 1.2170% | 4,630 |
| Net loans and leases to total assets | 70.4219% | 2,128 |
| Net loans and leases to deposits | 80.1861% | 2,755 |
| Net loans and leases to core deposits | 82.7009% | 3,401 |
| Total domestic deposits to total assets | 87.8231% | 2,266 |
| Equity capital to assets | 10.7435% | 3,237 |
| Core capital (leverage) ratio | 10.1638% | 3,076 |
| Tier 1 risk-based capital ratio | 14.4731% | 3,806 |
| Total risk-based capital ratio | 15.7321% | 3,774 |
| Memoranda: | ||
| Average total assets | $281,854,000 | 2,273 |
| Average earning assets | $271,201,000 | 2,170 |
| Average equity | $29,264,000 | 2,222 |
| Average total loans | $200,188,330 | 2,083 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3723% | 1,668 |
| Cost of funding earning assets | 1.3175% | 2,083 |
| Net interest margin | 4.0549% | 2,455 |
| Noninterest income to average assets | 0.2648% | 5,777 |
| Noninterest expense to average assets | 1.8248% | 7,110 |
| Loan and lease loss provision to assets | 0.5367% | 1,620 |
| Net operating income to assets | 1.7902% | 497 |
| Return on assets (ROA) | 1.7661% | 550 |
| Pretax return on assets | 1.7862% | 841 |
| Return on Equity (ROE) | 17.3190% | 536 |
| Retained earnings to average equity (ytd only) | 10.3016% | 1,046 |
| Net charge-offs to loans | 0.2857% | 2,916 |
| Credit loss provision to net charge-offs | 265.9574% | 1,183 |
| Earnings coverage of net charge-offs (x) | 11.6312% | 1,540 |
| Efficiency ratio | 43.7050% | 7,291 |
| Assets per employee ($millions) | 5.3242% | 1,744 |
| Cash dividends to net income (ytd only)* | 40.5186% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8148% | 2,964 |
| Loan loss allowance to noncurrent loans | 143.4400% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 1.0784% | 4,769 |
| Noncurrent loans to loans | 1.2652% | 4,575 |
| Net loans and leases to total assets | 68.7544% | 2,390 |
| Net loans and leases to deposits | 77.8347% | 3,085 |
| Net loans and leases to core deposits | 80.1227% | 3,738 |
| Total domestic deposits to total assets | 88.3339% | 2,176 |
| Equity capital to assets | 10.2788% | 3,435 |
| Core capital (leverage) ratio | 9.8333% | 3,353 |
| Tier 1 risk-based capital ratio | 14.3892% | 3,813 |
| Total risk-based capital ratio | 15.6464% | 3,770 |
| Memoranda: | ||
| Average total assets | $279,480,500 | 2,308 |
| Average earning assets | $269,305,500 | 2,205 |
| Average equity | $28,500,500 | 2,270 |
| Average total loans | $197,407,500 | 2,131 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7520% | 1,399 |
| Cost of funding earning assets | 1.7140% | 1,534 |
| Net interest margin | 4.0379% | 2,851 |
| Noninterest income to average assets | 0.2904% | 5,707 |
| Noninterest expense to average assets | 1.8541% | 7,215 |
| Loan and lease loss provision to assets | 0.6928% | 2,373 |
| Net operating income to assets | 1.5520% | 684 |
| Return on assets (ROA) | 1.5888% | 688 |
| Pretax return on assets | 1.6624% | 1,018 |
| Return on Equity (ROE) | 15.2751% | 681 |
| Retained earnings to average equity (ytd only) | 7.9752% | 980 |
| Net charge-offs to loans | 0.6426% | 3,092 |
| Credit loss provision to net charge-offs | 150.3295% | 2,405 |
| Earnings coverage of net charge-offs (x) | 5.0272% | 2,732 |
| Efficiency ratio | 44.2614% | 7,407 |
| Assets per employee ($millions) | 5.0323% | 2,111 |
| Cash dividends to net income (ytd only)* | 47.7897% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6997% | 3,217 |
| Loan loss allowance to noncurrent loans | 129.7214% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 1.0051% | 4,992 |
| Noncurrent loans to loans | 1.3102% | 4,525 |
| Net loans and leases to total assets | 70.0430% | 2,526 |
| Net loans and leases to deposits | 79.8664% | 3,199 |
| Net loans and leases to core deposits | 82.1005% | 3,897 |
| Total domestic deposits to total assets | 87.7002% | 2,418 |
| Equity capital to assets | 10.1150% | 3,597 |
| Core capital (leverage) ratio | 9.7452% | 3,382 |
| Tier 1 risk-based capital ratio | 14.1078% | 3,802 |
| Total risk-based capital ratio | 15.3673% | 3,753 |
| Memoranda: | ||
| Average total assets | $263,412,200 | 2,420 |
| Average earning assets | $253,148,600 | 2,314 |
| Average equity | $27,397,600 | 2,351 |
| Average total loans | $188,931,400 | 2,258 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7843% | 1,445 |
| Cost of funding earning assets | 1.7996% | 1,425 |
| Net interest margin | 3.9847% | 3,171 |
| Noninterest income to average assets | 0.2891% | 5,809 |
| Noninterest expense to average assets | 1.8682% | 7,245 |
| Loan and lease loss provision to assets | 0.4742% | 3,104 |
| Net operating income to assets | 1.7026% | 621 |
| Return on assets (ROA) | 1.7523% | 615 |
| Pretax return on assets | 1.8241% | 885 |
| Return on Equity (ROE) | 16.7250% | 623 |
| Retained earnings to average equity (ytd only) | 9.3852% | 936 |
| Net charge-offs to loans | 0.5908% | 2,971 |
| Credit loss provision to net charge-offs | 111.7150% | 3,790 |
| Earnings coverage of net charge-offs (x) | 5.2923% | 2,783 |
| Efficiency ratio | 45.1533% | 7,420 |
| Assets per employee ($millions) | 5.0805% | 2,078 |
| Cash dividends to net income (ytd only)* | 43.8853% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4488% | 4,211 |
| Loan loss allowance to noncurrent loans | 130.2432% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.9385% | 5,221 |
| Noncurrent loans to loans | 1.1123% | 5,020 |
| Net loans and leases to total assets | 71.6969% | 2,321 |
| Net loans and leases to deposits | 82.7411% | 2,953 |
| Net loans and leases to core deposits | 84.6286% | 3,856 |
| Total domestic deposits to total assets | 86.6521% | 2,717 |
| Equity capital to assets | 10.6193% | 3,387 |
| Core capital (leverage) ratio | 9.9805% | 3,278 |
| Tier 1 risk-based capital ratio | 14.1626% | 3,714 |
| Total risk-based capital ratio | 15.4157% | 3,682 |
| Memoranda: | ||
| Average total assets | $260,071,000 | 2,490 |
| Average earning assets | $249,682,750 | 2,376 |
| Average equity | $27,248,000 | 2,393 |
| Average total loans | $186,860,500 | 2,310 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7266% | 1,666 |
| Cost of funding earning assets | 1.8559% | 1,405 |
| Net interest margin | 3.8708% | 3,582 |
| Noninterest income to average assets | 0.2903% | 5,827 |
| Noninterest expense to average assets | 1.8326% | 7,355 |
| Loan and lease loss provision to assets | 0.3696% | 3,490 |
| Net operating income to assets | 1.7408% | 538 |
| Return on assets (ROA) | 1.8171% | 508 |
| Pretax return on assets | 1.8801% | 767 |
| Return on Equity (ROE) | 17.4258% | 525 |
| Retained earnings to average equity (ytd only) | 10.7092% | 708 |
| Net charge-offs to loans | 0.6810% | 2,515 |
| Credit loss provision to net charge-offs | 75.8786% | 4,815 |
| Earnings coverage of net charge-offs (x) | 4.4569% | 2,947 |
| Efficiency ratio | 45.4422% | 7,462 |
| Assets per employee ($millions) | 4.9417% | 2,254 |
| Cash dividends to net income (ytd only)* | 38.5439% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3602% | 4,623 |
| Loan loss allowance to noncurrent loans | 204.9051% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.6262% | 5,926 |
| Noncurrent loans to loans | 0.6638% | 5,926 |
| Net loans and leases to total assets | 71.7128% | 2,483 |
| Net loans and leases to deposits | 82.9025% | 3,096 |
| Net loans and leases to core deposits | 84.9666% | 4,002 |
| Total domestic deposits to total assets | 86.5026% | 2,817 |
| Equity capital to assets | 10.6094% | 3,269 |
| Core capital (leverage) ratio | 10.1172% | 3,042 |
| Tier 1 risk-based capital ratio | 14.2813% | 3,556 |
| Total risk-based capital ratio | 15.5335% | 3,525 |
| Memoranda: | ||
| Average total assets | $257,006,670 | 2,537 |
| Average earning assets | $246,567,000 | 2,427 |
| Average equity | $26,799,330 | 2,422 |
| Average total loans | $183,850,000 | 2,378 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6744% | 1,870 |
| Cost of funding earning assets | 1.8789% | 1,540 |
| Net interest margin | 3.7955% | 3,817 |
| Noninterest income to average assets | 0.2750% | 5,954 |
| Noninterest expense to average assets | 1.8794% | 7,361 |
| Loan and lease loss provision to assets | 0.3536% | 3,255 |
| Net operating income to assets | 1.6193% | 720 |
| Return on assets (ROA) | 1.7144% | 648 |
| Pretax return on assets | 1.7851% | 903 |
| Return on Equity (ROE) | 16.5897% | 644 |
| Retained earnings to average equity (ytd only) | 10.5073% | 1,040 |
| Net charge-offs to loans | -0.0775% | 7,467 |
| Credit loss provision to net charge-offs | -642.8571% | 6,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6343% | 7,467 |
| Assets per employee ($millions) | 4.8468% | 2,439 |
| Cash dividends to net income (ytd only)* | 36.6636% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6567% | 3,223 |
| Loan loss allowance to noncurrent loans | 259.6021% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.5411% | 6,144 |
| Noncurrent loans to loans | 0.6382% | 6,046 |
| Net loans and leases to total assets | 69.3474% | 3,081 |
| Net loans and leases to deposits | 79.9717% | 3,661 |
| Net loans and leases to core deposits | 82.4196% | 4,431 |
| Total domestic deposits to total assets | 86.7149% | 2,783 |
| Equity capital to assets | 10.3725% | 3,376 |
| Core capital (leverage) ratio | 10.0072% | 3,156 |
| Tier 1 risk-based capital ratio | 14.6222% | 3,305 |
| Total risk-based capital ratio | 15.8779% | 3,268 |
| Memoranda: | ||
| Average total assets | $254,555,000 | 2,608 |
| Average earning assets | $244,397,500 | 2,499 |
| Average equity | $26,305,500 | 2,487 |
| Average total loans | $180,568,500 | 2,481 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1731% | 1,314 |
| Cost of funding earning assets | 2.2316% | 1,894 |
| Net interest margin | 3.9415% | 3,113 |
| Noninterest income to average assets | 0.3474% | 5,612 |
| Noninterest expense to average assets | 2.0374% | 7,304 |
| Loan and lease loss provision to assets | 0.2253% | 5,562 |
| Net operating income to assets | 1.7630% | 388 |
| Return on assets (ROA) | 1.7630% | 410 |
| Pretax return on assets | 1.8504% | 570 |
| Return on Equity (ROE) | 15.6819% | 584 |
| Retained earnings to average equity (ytd only) | 7.2658% | 886 |
| Net charge-offs to loans | 0.1672% | 5,614 |
| Credit loss provision to net charge-offs | 183.1502% | 2,242 |
| Earnings coverage of net charge-offs (x) | 16.8755% | 1,228 |
| Efficiency ratio | 49.1730% | 7,581 |
| Assets per employee ($millions) | 4.7590% | 2,534 |
| Cash dividends to net income (ytd only)* | 53.6673% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5228% | 3,607 |
| Loan loss allowance to noncurrent loans | 284.6314% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.4536% | 6,318 |
| Noncurrent loans to loans | 0.5350% | 6,178 |
| Net loans and leases to total assets | 70.2753% | 3,189 |
| Net loans and leases to deposits | 80.9719% | 3,804 |
| Net loans and leases to core deposits | 101.4190% | 3,858 |
| Total domestic deposits to total assets | 86.7897% | 2,614 |
| Equity capital to assets | 10.2947% | 3,412 |
| Core capital (leverage) ratio | 10.1320% | 2,966 |
| Tier 1 risk-based capital ratio | 14.3906% | 3,269 |
| Total risk-based capital ratio | 15.6450% | 3,219 |
| Memoranda: | ||
| Average total assets | $221,946,400 | 2,915 |
| Average earning assets | $212,048,600 | 2,811 |
| Average equity | $24,952,400 | 2,616 |
| Average total loans | $163,279,600 | 2,714 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2786% | 1,179 |
| Cost of funding earning assets | 2.2753% | 2,090 |
| Net interest margin | 4.0034% | 2,803 |
| Noninterest income to average assets | 0.3744% | 5,521 |
| Noninterest expense to average assets | 2.1507% | 7,096 |
| Loan and lease loss provision to assets | 0.1555% | 5,794 |
| Net operating income to assets | 1.8012% | 438 |
| Return on assets (ROA) | 1.8012% | 470 |
| Pretax return on assets | 1.8907% | 672 |
| Return on Equity (ROE) | 15.6332% | 701 |
| Retained earnings to average equity (ytd only) | 6.9961% | 1,511 |
| Net charge-offs to loans | 0.1299% | 5,397 |
| Credit loss provision to net charge-offs | 161.2903% | 2,934 |
| Earnings coverage of net charge-offs (x) | 21.2260% | 1,211 |
| Efficiency ratio | 50.8743% | 7,493 |
| Assets per employee ($millions) | 4.5738% | 2,744 |
| Cash dividends to net income (ytd only)* | 55.2486% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5452% | 3,214 |
| Loan loss allowance to noncurrent loans | 310.2259% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.4408% | 6,352 |
| Noncurrent loans to loans | 0.4981% | 6,315 |
| Net loans and leases to total assets | 72.6899% | 2,862 |
| Net loans and leases to deposits | 85.3692% | 3,436 |
| Net loans and leases to core deposits | 109.9874% | 3,240 |
| Total domestic deposits to total assets | 85.1477% | 3,153 |
| Equity capital to assets | 11.3143% | 2,733 |
| Core capital (leverage) ratio | 10.8963% | 2,481 |
| Tier 1 risk-based capital ratio | 15.2635% | 2,924 |
| Total risk-based capital ratio | 16.5183% | 2,865 |
| Memoranda: | ||
| Average total assets | $214,376,000 | 3,032 |
| Average earning assets | $204,689,000 | 2,923 |
| Average equity | $24,699,000 | 2,657 |
| Average total loans | $159,100,750 | 2,807 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2916% | 1,226 |
| Cost of funding earning assets | 2.3134% | 2,303 |
| Net interest margin | 3.9782% | 2,798 |
| Noninterest income to average assets | 0.3550% | 5,663 |
| Noninterest expense to average assets | 2.1374% | 7,194 |
| Loan and lease loss provision to assets | 0.1145% | 6,002 |
| Net operating income to assets | 1.8206% | 437 |
| Return on assets (ROA) | 1.8206% | 482 |
| Pretax return on assets | 1.9131% | 678 |
| Return on Equity (ROE) | 15.6992% | 734 |
| Retained earnings to average equity (ytd only) | 7.4711% | 1,402 |
| Net charge-offs to loans | 0.1668% | 4,558 |
| Credit loss provision to net charge-offs | 92.3077% | 4,855 |
| Earnings coverage of net charge-offs (x) | 16.3462% | 1,535 |
| Efficiency ratio | 50.9278% | 7,600 |
| Assets per employee ($millions) | 4.3616% | 3,009 |
| Cash dividends to net income (ytd only)* | 52.4109% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5674% | 2,882 |
| Loan loss allowance to noncurrent loans | 209.1896% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.6511% | 5,785 |
| Noncurrent loans to loans | 0.7493% | 5,741 |
| Net loans and leases to total assets | 72.1066% | 3,197 |
| Net loans and leases to deposits | 85.0828% | 3,717 |
| Net loans and leases to core deposits | 110.2882% | 3,346 |
| Total domestic deposits to total assets | 84.7487% | 3,382 |
| Equity capital to assets | 11.3243% | 2,656 |
| Core capital (leverage) ratio | 11.0887% | 2,339 |
| Tier 1 risk-based capital ratio | 15.9500% | 2,641 |
| Total risk-based capital ratio | 17.2054% | 2,583 |
| Memoranda: | ||
| Average total assets | $209,604,000 | 3,111 |
| Average earning assets | $200,743,000 | 2,989 |
| Average equity | $24,307,000 | 2,723 |
| Average total loans | $155,852,670 | 2,892 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3702% | 1,129 |
| Cost of funding earning assets | 2.3832% | 2,361 |
| Net interest margin | 3.9870% | 2,696 |
| Noninterest income to average assets | 0.3389% | 5,747 |
| Noninterest expense to average assets | 1.9789% | 7,401 |
| Loan and lease loss provision to assets | 0.1169% | 5,475 |
| Net operating income to assets | 1.9322% | 397 |
| Return on assets (ROA) | 1.9322% | 450 |
| Pretax return on assets | 2.0588% | 589 |
| Return on Equity (ROE) | 16.4562% | 759 |
| Retained earnings to average equity (ytd only) | 8.1617% | 1,748 |
| Net charge-offs to loans | -0.2625% | 8,045 |
| Credit loss provision to net charge-offs | -59.4059% | 6,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2574% | 7,770 |
| Assets per employee ($millions) | 4.4010% | 2,884 |
| Cash dividends to net income (ytd only)* | 50.4032% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7178% | 2,084 |
| Loan loss allowance to noncurrent loans | 302.2599% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.5084% | 5,948 |
| Noncurrent loans to loans | 0.5683% | 5,996 |
| Net loans and leases to total assets | 72.4504% | 3,140 |
| Net loans and leases to deposits | 85.8891% | 3,652 |
| Net loans and leases to core deposits | 114.2642% | 2,984 |
| Total domestic deposits to total assets | 84.3535% | 3,532 |
| Equity capital to assets | 11.5461% | 2,561 |
| Core capital (leverage) ratio | 11.4142% | 2,198 |
| Tier 1 risk-based capital ratio | 16.3608% | 2,566 |
| Total risk-based capital ratio | 17.6188% | 2,510 |
| Memoranda: | ||
| Average total assets | $205,366,000 | 3,175 |
| Average earning assets | $196,539,000 | 3,060 |
| Average equity | $24,112,500 | 2,753 |
| Average total loans | $153,902,000 | 2,941 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0153% | 1,101 |
| Cost of funding earning assets | 2.9339% | 2,126 |
| Net interest margin | 4.0813% | 2,787 |
| Noninterest income to average assets | 0.4458% | 5,072 |
| Noninterest expense to average assets | 2.1320% | 7,154 |
| Loan and lease loss provision to assets | 0.1202% | 5,827 |
| Net operating income to assets | 2.0159% | 342 |
| Return on assets (ROA) | 2.0620% | 294 |
| Pretax return on assets | 2.1560% | 435 |
| Return on Equity (ROE) | 16.5268% | 697 |
| Retained earnings to average equity (ytd only) | 5.5790% | 1,721 |
| Net charge-offs to loans | 0.0028% | 6,977 |
| Credit loss provision to net charge-offs | 5,500.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 1,019.5000% | 46 |
| Efficiency ratio | 48.4837% | 7,766 |
| Assets per employee ($millions) | 4.1559% | 3,198 |
| Cash dividends to net income (ytd only)* | 66.2427% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6531% | 2,050 |
| Loan loss allowance to noncurrent loans | 474.3396% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.3534% | 6,181 |
| Noncurrent loans to loans | 0.3485% | 6,327 |
| Net loans and leases to total assets | 74.9759% | 2,885 |
| Net loans and leases to deposits | 89.5813% | 3,518 |
| Net loans and leases to core deposits | 118.1837% | 2,863 |
| Total domestic deposits to total assets | 83.6959% | 3,480 |
| Equity capital to assets | 11.9478% | 2,323 |
| Core capital (leverage) ratio | 12.0673% | 1,935 |
| Tier 1 risk-based capital ratio | 16.6116% | 2,443 |
| Total risk-based capital ratio | 17.8688% | 2,378 |
| Memoranda: | ||
| Average total assets | $183,023,200 | 3,374 |
| Average earning assets | $175,531,400 | 3,253 |
| Average equity | $22,835,600 | 2,864 |
| Average total loans | $144,651,400 | 3,014 |