Home > The First National Bank of Bemidji > Performance and Condition Ratios
The First National Bank of Bemidji, 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 | 4.5904% | 2,916 |
| Cost of funding earning assets | 2.1741% | 677 |
| Net interest margin | 2.4164% | 4,173 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 1.6015% | 4,246 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.0220% | 2,147 |
| Return on assets (ROA) | 0.9394% | 2,391 |
| Pretax return on assets | 0.9787% | 2,725 |
| Return on Equity (ROE) | 22.6200% | 418 |
| Retained earnings to average equity (ytd only) | 15.4072% | 304 |
| Net charge-offs to loans | -0.0165% | 4,112 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.8216% | 3,097 |
| Assets per employee ($millions) | 8.1688% | 1,350 |
| Cash dividends to net income (ytd only)* | 31.8904% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7726% | 4,021 |
| Loan loss allowance to noncurrent loans | 681.6471% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 3,188 |
| Noncurrent loans to loans | 0.1133% | 2,962 |
| Net loans and leases to total assets | 39.6000% | 4,051 |
| Net loans and leases to deposits | 46.3256% | 4,036 |
| Net loans and leases to core deposits | 53.4816% | 3,990 |
| Total domestic deposits to total assets | 85.4900% | 2,164 |
| Equity capital to assets | 5.7370% | 4,290 |
| Core capital (leverage) ratio | 10.4163% | 2,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $971,361,200 | 1,009 |
| Average earning assets | $934,091,800 | 971 |
| Average equity | $40,338,200 | 1,878 |
| Average total loans | $376,419,000 | 1,530 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4371% | 3,028 |
| Cost of funding earning assets | 2.0488% | 648 |
| Net interest margin | 2.3883% | 4,240 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 1.6085% | 4,233 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.0044% | 2,354 |
| Return on assets (ROA) | 0.9062% | 2,642 |
| Pretax return on assets | 0.9269% | 3,039 |
| Return on Equity (ROE) | 24.0200% | 436 |
| Retained earnings to average equity (ytd only) | 16.4402% | 432 |
| Net charge-offs to loans | -0.0021% | 3,578 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.8112% | 2,873 |
| Assets per employee ($millions) | 8.7420% | 1,027 |
| Cash dividends to net income (ytd only)* | 31.5505% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7218% | 4,099 |
| Loan loss allowance to noncurrent loans | 599.5726% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 3,204 |
| Noncurrent loans to loans | 0.1204% | 2,963 |
| Net loans and leases to total assets | 40.1400% | 4,051 |
| Net loans and leases to deposits | 48.1262% | 4,000 |
| Net loans and leases to core deposits | 54.5510% | 3,907 |
| Total domestic deposits to total assets | 83.4000% | 2,927 |
| Equity capital to assets | 2.5794% | 4,517 |
| Core capital (leverage) ratio | 10.4574% | 2,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $979,348,000 | 1,007 |
| Average earning assets | $941,345,750 | 960 |
| Average equity | $36,949,250 | 1,968 |
| Average total loans | $376,786,250 | 1,529 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2586% | 3,182 |
| Cost of funding earning assets | 1.9073% | 598 |
| Net interest margin | 2.3513% | 4,336 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 1.5582% | 4,291 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9888% | 2,458 |
| Return on assets (ROA) | 0.8499% | 2,932 |
| Pretax return on assets | 0.8942% | 3,177 |
| Return on Equity (ROE) | 20.4300% | 666 |
| Retained earnings to average equity (ytd only) | 10.1811% | 1,358 |
| Net charge-offs to loans | -0.0102% | 3,916 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.9641% | 2,965 |
| Assets per employee ($millions) | 8.8677% | 950 |
| Cash dividends to net income (ytd only)* | 50.1552% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7177% | 4,155 |
| Loan loss allowance to noncurrent loans | 493.5368% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 3,206 |
| Noncurrent loans to loans | 0.1454% | 2,740 |
| Net loans and leases to total assets | 38.6400% | 4,085 |
| Net loans and leases to deposits | 48.4326% | 3,972 |
| Net loans and leases to core deposits | 54.6980% | 3,859 |
| Total domestic deposits to total assets | 79.7700% | 3,610 |
| Equity capital to assets | 4.2734% | 4,476 |
| Core capital (leverage) ratio | 10.1249% | 2,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $985,255,667 | 989 |
| Average earning assets | $948,251,667 | 944 |
| Average equity | $40,997,667 | 1,845 |
| Average total loans | $372,794,667 | 1,528 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9682% | 3,513 |
| Cost of funding earning assets | 1.7337% | 520 |
| Net interest margin | 2.2345% | 4,482 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 1.5164% | 4,376 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9625% | 2,646 |
| Return on assets (ROA) | 0.4512% | 3,953 |
| Pretax return on assets | 0.4512% | 4,055 |
| Return on Equity (ROE) | 10.9900% | 2,491 |
| Retained earnings to average equity (ytd only) | -9.7666% | 4,472 |
| Net charge-offs to loans | -0.0109% | 3,868 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.1720% | 2,796 |
| Assets per employee ($millions) | 8.7760% | 1,021 |
| Cash dividends to net income (ytd only)* | 188.8489% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7463% | 4,184 |
| Loan loss allowance to noncurrent loans | 476.5217% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.0590% | 3,196 |
| Noncurrent loans to loans | 0.1566% | 2,702 |
| Net loans and leases to total assets | 37.4100% | 4,141 |
| Net loans and leases to deposits | 47.3240% | 3,986 |
| Net loans and leases to core deposits | 52.9249% | 3,873 |
| Total domestic deposits to total assets | 79.0400% | 3,895 |
| Equity capital to assets | 4.5047% | 4,492 |
| Core capital (leverage) ratio | 9.6774% | 3,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $985,726,500 | 1,004 |
| Average earning assets | $949,641,500 | 954 |
| Average equity | $40,464,500 | 1,879 |
| Average total loans | $367,670,000 | 1,556 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5599% | 2,914 |
| Cost of funding earning assets | 0.8608% | 306 |
| Net interest margin | 2.6991% | 4,055 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 1.5307% | 4,396 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2991% | 1,432 |
| Return on assets (ROA) | 1.2133% | 1,667 |
| Pretax return on assets | 1.3639% | 1,885 |
| Return on Equity (ROE) | 20.1300% | 468 |
| Retained earnings to average equity (ytd only) | 9.5876% | 1,285 |
| Net charge-offs to loans | 0.0025% | 2,420 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 1,608.4444% | 107 |
| Efficiency ratio | 51.1771% | 4,052 |
| Assets per employee ($millions) | 8.9848% | 924 |
| Cash dividends to net income (ytd only)* | 52.3821% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7414% | 4,152 |
| Loan loss allowance to noncurrent loans | 465.0767% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.0589% | 3,223 |
| Noncurrent loans to loans | 0.1594% | 2,700 |
| Net loans and leases to total assets | 36.6500% | 4,188 |
| Net loans and leases to deposits | 46.0469% | 4,055 |
| Net loans and leases to core deposits | 51.6098% | 3,920 |
| Total domestic deposits to total assets | 79.5900% | 3,936 |
| Equity capital to assets | 3.7147% | 4,548 |
| Core capital (leverage) ratio | 9.5726% | 3,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $991,279,400 | 987 |
| Average earning assets | $958,386,800 | 942 |
| Average equity | $59,733,600 | 1,408 |
| Average total loans | $363,745,800 | 1,502 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4011% | 2,921 |
| Cost of funding earning assets | 0.6785% | 296 |
| Net interest margin | 2.7225% | 3,879 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 1.5174% | 4,402 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3182% | 1,294 |
| Return on assets (ROA) | 1.2229% | 1,593 |
| Pretax return on assets | 1.4018% | 1,714 |
| Return on Equity (ROE) | 18.5100% | 575 |
| Retained earnings to average equity (ytd only) | 9.9439% | 1,355 |
| Net charge-offs to loans | 0.0059% | 1,952 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 701.1875% | 233 |
| Efficiency ratio | 50.1001% | 4,155 |
| Assets per employee ($millions) | 9.1737% | 835 |
| Cash dividends to net income (ytd only)* | 46.2657% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7407% | 4,196 |
| Loan loss allowance to noncurrent loans | 439.1935% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.0620% | 3,266 |
| Noncurrent loans to loans | 0.1686% | 2,749 |
| Net loans and leases to total assets | 36.5000% | 4,205 |
| Net loans and leases to deposits | 43.9067% | 4,119 |
| Net loans and leases to core deposits | 48.9420% | 4,000 |
| Total domestic deposits to total assets | 83.1200% | 3,667 |
| Equity capital to assets | 2.5985% | 4,620 |
| Core capital (leverage) ratio | 9.4851% | 3,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $989,771,000 | 997 |
| Average earning assets | $957,952,250 | 949 |
| Average equity | $65,405,250 | 1,325 |
| Average total loans | $362,627,250 | 1,500 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2123% | 3,003 |
| Cost of funding earning assets | 0.5428% | 411 |
| Net interest margin | 2.6696% | 3,767 |
| Noninterest income to average assets | 0.4096% | 2,694 |
| Noninterest expense to average assets | 1.4854% | 4,435 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3347% | 1,063 |
| Return on assets (ROA) | 1.3623% | 970 |
| Pretax return on assets | 1.5416% | 1,067 |
| Return on Equity (ROE) | 17.1084% | 555 |
| Retained earnings to average equity (ytd only) | 11.7613% | 647 |
| Net charge-offs to loans | -0.0299% | 4,035 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5871% | 4,275 |
| Assets per employee ($millions) | 9.2526% | 819 |
| Cash dividends to net income (ytd only)* | 31.2547% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7722% | 4,218 |
| Loan loss allowance to noncurrent loans | 367.0171% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.0755% | 3,218 |
| Noncurrent loans to loans | 0.2104% | 2,662 |
| Net loans and leases to total assets | 35.5881% | 4,263 |
| Net loans and leases to deposits | 42.6507% | 4,174 |
| Net loans and leases to core deposits | 47.4597% | 4,055 |
| Total domestic deposits to total assets | 83.4408% | 3,796 |
| Equity capital to assets | 5.0605% | 4,461 |
| Core capital (leverage) ratio | 9.7698% | 2,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $986,384,000 | 988 |
| Average earning assets | $955,501,667 | 953 |
| Average equity | $78,546,000 | 1,179 |
| Average total loans | $360,953,000 | 1,499 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0868% | 3,016 |
| Cost of funding earning assets | 0.4753% | 564 |
| Net interest margin | 2.6115% | 3,627 |
| Noninterest income to average assets | 0.4138% | 2,595 |
| Noninterest expense to average assets | 1.4896% | 4,440 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2894% | 1,022 |
| Return on assets (ROA) | 1.3522% | 884 |
| Pretax return on assets | 1.5331% | 955 |
| Return on Equity (ROE) | 14.2881% | 775 |
| Retained earnings to average equity (ytd only) | 14.2881% | 349 |
| Net charge-offs to loans | -0.0333% | 4,124 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4725% | 4,291 |
| Assets per employee ($millions) | 9.1648% | 863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7737% | 4,286 |
| Loan loss allowance to noncurrent loans | 291.1672% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.0979% | 3,120 |
| Noncurrent loans to loans | 0.2657% | 2,522 |
| Net loans and leases to total assets | 36.5534% | 4,177 |
| Net loans and leases to deposits | 42.9839% | 4,118 |
| Net loans and leases to core deposits | 48.7192% | 3,947 |
| Total domestic deposits to total assets | 85.0398% | 3,532 |
| Equity capital to assets | 7.9153% | 3,631 |
| Core capital (leverage) ratio | 10.1262% | 2,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $975,307,500 | 1,002 |
| Average earning assets | $947,654,500 | 966 |
| Average equity | $92,300,500 | 1,058 |
| Average total loans | $360,573,500 | 1,492 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6464% | 2,261 |
| Cost of funding earning assets | 0.5362% | 766 |
| Net interest margin | 3.1102% | 2,873 |
| Noninterest income to average assets | 0.5059% | 2,536 |
| Noninterest expense to average assets | 1.5632% | 4,468 |
| Loan and lease loss provision to assets | 0.0295% | 2,468 |
| Net operating income to assets | 1.7552% | 565 |
| Return on assets (ROA) | 1.8043% | 523 |
| Pretax return on assets | 1.9833% | 623 |
| Return on Equity (ROE) | 14.6890% | 1,025 |
| Retained earnings to average equity (ytd only) | 1.3620% | 4,155 |
| Net charge-offs to loans | -0.0125% | 3,811 |
| Credit loss provision to net charge-offs | -574.4681% | 3,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3839% | 4,560 |
| Assets per employee ($millions) | 8.9013% | 951 |
| Cash dividends to net income (ytd only)* | 90.7276% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7540% | 4,338 |
| Loan loss allowance to noncurrent loans | 60.4636% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 1,401 |
| Noncurrent loans to loans | 1.2470% | 772 |
| Net loans and leases to total assets | 36.8212% | 4,250 |
| Net loans and leases to deposits | 43.5262% | 4,201 |
| Net loans and leases to core deposits | 47.0268% | 4,139 |
| Total domestic deposits to total assets | 84.5956% | 3,392 |
| Equity capital to assets | 11.0000% | 1,790 |
| Core capital (leverage) ratio | 9.6386% | 2,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $916,319,800 | 1,028 |
| Average earning assets | $888,595,000 | 990 |
| Average equity | $112,553,600 | 921 |
| Average total loans | $376,106,800 | 1,440 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7395% | 2,175 |
| Cost of funding earning assets | 0.5471% | 848 |
| Net interest margin | 3.1924% | 2,752 |
| Noninterest income to average assets | 0.5340% | 2,482 |
| Noninterest expense to average assets | 1.5478% | 4,536 |
| Loan and lease loss provision to assets | 0.0400% | 2,197 |
| Net operating income to assets | 2.0372% | 435 |
| Return on assets (ROA) | 2.1111% | 404 |
| Pretax return on assets | 2.1126% | 661 |
| Return on Equity (ROE) | 16.7123% | 815 |
| Retained earnings to average equity (ytd only) | 8.2741% | 1,964 |
| Net charge-offs to loans | -0.0105% | 3,692 |
| Credit loss provision to net charge-offs | -900.0000% | 3,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6804% | 4,638 |
| Assets per employee ($millions) | 9.2911% | 815 |
| Cash dividends to net income (ytd only)* | 50.4909% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7157% | 4,479 |
| Loan loss allowance to noncurrent loans | 56.6729% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 0.4948% | 1,542 |
| Noncurrent loans to loans | 1.2628% | 873 |
| Net loans and leases to total assets | 36.9489% | 4,341 |
| Net loans and leases to deposits | 43.9366% | 4,313 |
| Net loans and leases to core deposits | 47.2679% | 4,272 |
| Total domestic deposits to total assets | 84.0961% | 3,437 |
| Equity capital to assets | 11.2315% | 1,871 |
| Core capital (leverage) ratio | 10.3462% | 2,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $900,613,750 | 1,055 |
| Average earning assets | $872,428,500 | 1,017 |
| Average equity | $113,765,500 | 924 |
| Average total loans | $379,315,500 | 1,461 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8246% | 2,006 |
| Cost of funding earning assets | 0.5656% | 886 |
| Net interest margin | 3.2590% | 2,589 |
| Noninterest income to average assets | 0.5629% | 2,363 |
| Noninterest expense to average assets | 1.6179% | 4,485 |
| Loan and lease loss provision to assets | 0.0419% | 2,173 |
| Net operating income to assets | 2.0522% | 449 |
| Return on assets (ROA) | 2.0504% | 471 |
| Pretax return on assets | 2.0527% | 751 |
| Return on Equity (ROE) | 15.5486% | 1,045 |
| Retained earnings to average equity (ytd only) | 8.1428% | 2,028 |
| Net charge-offs to loans | -0.0106% | 3,685 |
| Credit loss provision to net charge-offs | -900.0000% | 3,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5583% | 4,637 |
| Assets per employee ($millions) | 8.6016% | 977 |
| Cash dividends to net income (ytd only)* | 47.6298% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6987% | 4,533 |
| Loan loss allowance to noncurrent loans | 49.6027% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 0.5772% | 1,449 |
| Noncurrent loans to loans | 1.4087% | 827 |
| Net loans and leases to total assets | 38.6789% | 4,359 |
| Net loans and leases to deposits | 46.7845% | 4,277 |
| Net loans and leases to core deposits | 50.4427% | 4,218 |
| Total domestic deposits to total assets | 82.6747% | 3,773 |
| Equity capital to assets | 12.1365% | 1,299 |
| Core capital (leverage) ratio | 11.2392% | 1,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $860,145,333 | 1,086 |
| Average earning assets | $831,731,333 | 1,056 |
| Average equity | $113,424,667 | 918 |
| Average total loans | $378,971,667 | 1,464 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0922% | 1,406 |
| Cost of funding earning assets | 0.5953% | 885 |
| Net interest margin | 3.4969% | 1,831 |
| Noninterest income to average assets | 0.6006% | 2,210 |
| Noninterest expense to average assets | 1.7216% | 4,339 |
| Loan and lease loss provision to assets | 0.0445% | 2,180 |
| Net operating income to assets | 2.2005% | 418 |
| Return on assets (ROA) | 2.1966% | 459 |
| Pretax return on assets | 2.2015% | 682 |
| Return on Equity (ROE) | 15.9030% | 1,033 |
| Retained earnings to average equity (ytd only) | 15.9030% | 530 |
| Net charge-offs to loans | -0.0105% | 3,685 |
| Credit loss provision to net charge-offs | -900.0000% | 3,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3483% | 4,609 |
| Assets per employee ($millions) | 7.6161% | 1,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6530% | 4,630 |
| Loan loss allowance to noncurrent loans | 46.6174% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 0.6796% | 1,382 |
| Noncurrent loans to loans | 1.4009% | 903 |
| Net loans and leases to total assets | 46.6441% | 3,911 |
| Net loans and leases to deposits | 57.4483% | 3,681 |
| Net loans and leases to core deposits | 61.8924% | 3,578 |
| Total domestic deposits to total assets | 81.1931% | 4,033 |
| Equity capital to assets | 13.6329% | 761 |
| Core capital (leverage) ratio | 12.5059% | 990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $808,529,500 | 1,130 |
| Average earning assets | $779,440,500 | 1,103 |
| Average equity | $111,677,000 | 921 |
| Average total loans | $380,834,500 | 1,463 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9812% | 2,790 |
| Cost of funding earning assets | 0.7287% | 1,571 |
| Net interest margin | 3.2524% | 3,203 |
| Noninterest income to average assets | 0.6807% | 1,926 |
| Noninterest expense to average assets | 1.7997% | 4,472 |
| Loan and lease loss provision to assets | 0.0379% | 3,939 |
| Net operating income to assets | 1.9755% | 278 |
| Return on assets (ROA) | 2.1085% | 231 |
| Pretax return on assets | 2.1098% | 357 |
| Return on Equity (ROE) | 15.0356% | 642 |
| Retained earnings to average equity (ytd only) | 1.6118% | 3,991 |
| Net charge-offs to loans | 0.0466% | 2,131 |
| Credit loss provision to net charge-offs | 159.3407% | 2,371 |
| Earnings coverage of net charge-offs (x) | 84.6813% | 867 |
| Efficiency ratio | 47.1812% | 4,667 |
| Assets per employee ($millions) | 7.1578% | 1,472 |
| Cash dividends to net income (ytd only)* | 89.2802% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6450% | 4,666 |
| Loan loss allowance to noncurrent loans | 43.4439% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 0.7243% | 1,431 |
| Noncurrent loans to loans | 1.4848% | 899 |
| Net loans and leases to total assets | 46.9541% | 4,060 |
| Net loans and leases to deposits | 57.5271% | 3,915 |
| Net loans and leases to core deposits | 61.6210% | 3,852 |
| Total domestic deposits to total assets | 81.6207% | 3,740 |
| Equity capital to assets | 13.9981% | 800 |
| Core capital (leverage) ratio | 11.8863% | 1,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $764,954,400 | 1,092 |
| Average earning assets | $737,044,800 | 1,056 |
| Average equity | $107,272,200 | 908 |
| Average total loans | $390,672,400 | 1,398 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9852% | 3,016 |
| Cost of funding earning assets | 0.7551% | 1,708 |
| Net interest margin | 3.2302% | 3,392 |
| Noninterest income to average assets | 0.6628% | 1,933 |
| Noninterest expense to average assets | 1.7244% | 4,597 |
| Loan and lease loss provision to assets | 0.0405% | 3,842 |
| Net operating income to assets | 2.0103% | 288 |
| Return on assets (ROA) | 2.1896% | 226 |
| Pretax return on assets | 2.1914% | 344 |
| Return on Equity (ROE) | 15.6066% | 593 |
| Retained earnings to average equity (ytd only) | 6.5745% | 1,858 |
| Net charge-offs to loans | 0.0578% | 1,780 |
| Credit loss provision to net charge-offs | 134.5029% | 2,419 |
| Earnings coverage of net charge-offs (x) | 68.1988% | 1,016 |
| Efficiency ratio | 45.6570% | 4,732 |
| Assets per employee ($millions) | 7.4188% | 1,264 |
| Cash dividends to net income (ytd only)* | 57.8732% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6180% | 4,702 |
| Loan loss allowance to noncurrent loans | 41.4788% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 0.7260% | 1,609 |
| Noncurrent loans to loans | 1.4900% | 968 |
| Net loans and leases to total assets | 46.7603% | 4,276 |
| Net loans and leases to deposits | 60.2689% | 4,045 |
| Net loans and leases to core deposits | 64.8279% | 3,963 |
| Total domestic deposits to total assets | 77.5861% | 4,254 |
| Equity capital to assets | 13.7402% | 929 |
| Core capital (leverage) ratio | 12.1373% | 1,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $757,564,250 | 1,089 |
| Average earning assets | $730,342,500 | 1,049 |
| Average equity | $106,286,000 | 912 |
| Average total loans | $394,470,750 | 1,365 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0545% | 3,178 |
| Cost of funding earning assets | 0.7999% | 1,827 |
| Net interest margin | 3.2546% | 3,509 |
| Noninterest income to average assets | 0.6149% | 2,077 |
| Noninterest expense to average assets | 1.7467% | 4,633 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.0044% | 334 |
| Return on assets (ROA) | 2.2806% | 218 |
| Pretax return on assets | 2.2833% | 312 |
| Return on Equity (ROE) | 16.1322% | 536 |
| Retained earnings to average equity (ytd only) | 12.6819% | 388 |
| Net charge-offs to loans | 0.0769% | 1,478 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 48.4118% | 1,123 |
| Efficiency ratio | 46.5314% | 4,698 |
| Assets per employee ($millions) | 7.3610% | 1,246 |
| Cash dividends to net income (ytd only)* | 21.3878% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5347% | 4,803 |
| Loan loss allowance to noncurrent loans | 127.1176% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 3,425 |
| Noncurrent loans to loans | 0.4206% | 2,901 |
| Net loans and leases to total assets | 49.6453% | 4,179 |
| Net loans and leases to deposits | 64.8994% | 3,813 |
| Net loans and leases to core deposits | 69.7638% | 3,727 |
| Total domestic deposits to total assets | 76.4958% | 4,379 |
| Equity capital to assets | 13.6005% | 958 |
| Core capital (leverage) ratio | 12.6864% | 1,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $738,062,333 | 1,097 |
| Average earning assets | $711,843,667 | 1,056 |
| Average equity | $104,338,000 | 919 |
| Average total loans | $397,971,000 | 1,328 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0299% | 3,708 |
| Cost of funding earning assets | 0.8960% | 1,890 |
| Net interest margin | 3.1339% | 4,027 |
| Noninterest income to average assets | 0.4773% | 2,666 |
| Noninterest expense to average assets | 1.8546% | 4,602 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6393% | 576 |
| Return on assets (ROA) | 1.6422% | 628 |
| Pretax return on assets | 1.6479% | 958 |
| Return on Equity (ROE) | 11.3678% | 1,298 |
| Retained earnings to average equity (ytd only) | 11.3678% | 506 |
| Net charge-offs to loans | 0.0557% | 1,451 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 52.5091% | 867 |
| Efficiency ratio | 52.9948% | 4,469 |
| Assets per employee ($millions) | 6.6145% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5820% | 4,783 |
| Loan loss allowance to noncurrent loans | 125.7795% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.2672% | 3,391 |
| Noncurrent loans to loans | 0.4627% | 2,865 |
| Net loans and leases to total assets | 52.5576% | 4,088 |
| Net loans and leases to deposits | 71.6318% | 3,465 |
| Net loans and leases to core deposits | 78.2917% | 3,334 |
| Total domestic deposits to total assets | 73.3719% | 4,700 |
| Equity capital to assets | 13.9469% | 1,076 |
| Core capital (leverage) ratio | 14.0028% | 920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $702,238,500 | 1,115 |
| Average earning assets | $677,230,500 | 1,071 |
| Average equity | $101,444,500 | 932 |
| Average total loans | $394,884,500 | 1,305 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3498% | 3,393 |
| Cost of funding earning assets | 1.0132% | 1,668 |
| Net interest margin | 3.3366% | 3,901 |
| Noninterest income to average assets | 0.4844% | 2,831 |
| Noninterest expense to average assets | 1.8977% | 4,664 |
| Loan and lease loss provision to assets | 0.0180% | 3,654 |
| Net operating income to assets | 1.7699% | 558 |
| Return on assets (ROA) | 1.8515% | 498 |
| Pretax return on assets | 1.8530% | 833 |
| Return on Equity (ROE) | 12.8744% | 1,206 |
| Retained earnings to average equity (ytd only) | 3.2514% | 3,391 |
| Net charge-offs to loans | 0.0479% | 2,432 |
| Credit loss provision to net charge-offs | 60.6061% | 3,029 |
| Earnings coverage of net charge-offs (x) | 60.3384% | 975 |
| Efficiency ratio | 51.4685% | 4,642 |
| Assets per employee ($millions) | 5.8284% | 1,772 |
| Cash dividends to net income (ytd only)* | 74.7452% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5762% | 4,782 |
| Loan loss allowance to noncurrent loans | 120.0207% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.3088% | 3,190 |
| Noncurrent loans to loans | 0.4800% | 2,748 |
| Net loans and leases to total assets | 59.5752% | 3,625 |
| Net loans and leases to deposits | 76.1357% | 3,164 |
| Net loans and leases to core deposits | 83.4393% | 3,003 |
| Total domestic deposits to total assets | 78.2488% | 4,318 |
| Equity capital to assets | 14.9924% | 797 |
| Core capital (leverage) ratio | 14.1080% | 901 |
| Tier 1 risk-based capital ratio | 19.2537% | 1,469 |
| Total risk-based capital ratio | 19.7347% | 1,610 |
| Memoranda: | ||
| Average total assets | $667,659,400 | 1,124 |
| Average earning assets | $640,864,400 | 1,079 |
| Average equity | $96,020,000 | 929 |
| Average total loans | $412,982,200 | 1,238 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3914% | 3,384 |
| Cost of funding earning assets | 1.0287% | 1,635 |
| Net interest margin | 3.3627% | 3,956 |
| Noninterest income to average assets | 0.4622% | 2,945 |
| Noninterest expense to average assets | 1.8960% | 4,704 |
| Loan and lease loss provision to assets | 0.0240% | 3,417 |
| Net operating income to assets | 1.7655% | 653 |
| Return on assets (ROA) | 1.8748% | 548 |
| Pretax return on assets | 1.8768% | 917 |
| Return on Equity (ROE) | 13.1767% | 1,212 |
| Retained earnings to average equity (ytd only) | 1.8812% | 4,314 |
| Net charge-offs to loans | 0.0382% | 2,327 |
| Credit loss provision to net charge-offs | 100.8403% | 2,233 |
| Earnings coverage of net charge-offs (x) | 75.3122% | 897 |
| Efficiency ratio | 51.4176% | 4,645 |
| Assets per employee ($millions) | 6.0950% | 1,537 |
| Cash dividends to net income (ytd only)* | 85.7234% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5752% | 4,863 |
| Loan loss allowance to noncurrent loans | 106.7827% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.3554% | 3,082 |
| Noncurrent loans to loans | 0.5387% | 2,673 |
| Net loans and leases to total assets | 61.6952% | 3,524 |
| Net loans and leases to deposits | 80.4063% | 2,858 |
| Net loans and leases to core deposits | 87.3879% | 2,791 |
| Total domestic deposits to total assets | 76.7293% | 4,551 |
| Equity capital to assets | 14.8422% | 891 |
| Core capital (leverage) ratio | 13.6995% | 1,078 |
| Tier 1 risk-based capital ratio | 18.6793% | 1,645 |
| Total risk-based capital ratio | 19.1722% | 1,784 |
| Memoranda: | ||
| Average total assets | $667,008,000 | 1,118 |
| Average earning assets | $639,751,750 | 1,078 |
| Average equity | $94,902,750 | 938 |
| Average total loans | $415,821,250 | 1,236 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3272% | 3,550 |
| Cost of funding earning assets | 1.0248% | 1,584 |
| Net interest margin | 3.3023% | 4,139 |
| Noninterest income to average assets | 0.4211% | 3,127 |
| Noninterest expense to average assets | 1.8752% | 4,787 |
| Loan and lease loss provision to assets | 0.0360% | 3,098 |
| Net operating income to assets | 1.6766% | 757 |
| Return on assets (ROA) | 1.7887% | 635 |
| Pretax return on assets | 1.7917% | 1,052 |
| Return on Equity (ROE) | 12.7561% | 1,317 |
| Retained earnings to average equity (ytd only) | 0.3213% | 4,607 |
| Net charge-offs to loans | 0.0313% | 2,229 |
| Credit loss provision to net charge-offs | 184.6154% | 1,293 |
| Earnings coverage of net charge-offs (x) | 87.8769% | 763 |
| Efficiency ratio | 52.2208% | 4,640 |
| Assets per employee ($millions) | 5.8670% | 1,646 |
| Cash dividends to net income (ytd only)* | 97.4811% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5855% | 4,899 |
| Loan loss allowance to noncurrent loans | 106.9463% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.3493% | 3,134 |
| Noncurrent loans to loans | 0.5475% | 2,627 |
| Net loans and leases to total assets | 61.6002% | 3,588 |
| Net loans and leases to deposits | 82.1483% | 2,714 |
| Net loans and leases to core deposits | 88.7717% | 2,723 |
| Total domestic deposits to total assets | 74.9866% | 4,768 |
| Equity capital to assets | 14.2740% | 1,020 |
| Core capital (leverage) ratio | 13.4818% | 1,125 |
| Tier 1 risk-based capital ratio | 18.2958% | 1,727 |
| Total risk-based capital ratio | 18.7955% | 1,885 |
| Memoranda: | ||
| Average total assets | $665,861,330 | 1,120 |
| Average earning assets | $639,124,330 | 1,079 |
| Average equity | $93,367,330 | 946 |
| Average total loans | $415,752,670 | 1,235 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2569% | 3,685 |
| Cost of funding earning assets | 0.9902% | 1,605 |
| Net interest margin | 3.2668% | 4,238 |
| Noninterest income to average assets | 0.3913% | 3,246 |
| Noninterest expense to average assets | 1.8983% | 4,803 |
| Loan and lease loss provision to assets | 0.0363% | 2,897 |
| Net operating income to assets | 1.5850% | 923 |
| Return on assets (ROA) | 1.6014% | 922 |
| Pretax return on assets | 1.6074% | 1,453 |
| Return on Equity (ROE) | 11.5259% | 1,726 |
| Retained earnings to average equity (ytd only) | -4.0132% | 4,866 |
| Net charge-offs to loans | 0.0569% | 1,475 |
| Credit loss provision to net charge-offs | 101.6949% | 1,554 |
| Earnings coverage of net charge-offs (x) | 45.6102% | 1,076 |
| Efficiency ratio | 53.8422% | 4,544 |
| Assets per employee ($millions) | 6.0137% | 1,533 |
| Cash dividends to net income (ytd only)* | 134.8187% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5803% | 4,971 |
| Loan loss allowance to noncurrent loans | 92.9681% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 0.4193% | 2,914 |
| Noncurrent loans to loans | 0.6241% | 2,454 |
| Net loans and leases to total assets | 61.4239% | 3,556 |
| Net loans and leases to deposits | 81.0324% | 2,723 |
| Net loans and leases to core deposits | 87.1321% | 2,768 |
| Total domestic deposits to total assets | 75.8017% | 4,786 |
| Equity capital to assets | 13.9334% | 1,069 |
| Core capital (leverage) ratio | 13.6668% | 1,040 |
| Tier 1 risk-based capital ratio | 18.5205% | 1,656 |
| Total risk-based capital ratio | 19.0192% | 1,821 |
| Memoranda: | ||
| Average total assets | $661,438,500 | 1,133 |
| Average earning assets | $634,636,000 | 1,085 |
| Average equity | $91,897,000 | 951 |
| Average total loans | $414,594,500 | 1,248 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2291% | 3,359 |
| Cost of funding earning assets | 0.8122% | 1,466 |
| Net interest margin | 3.4169% | 3,955 |
| Noninterest income to average assets | 0.4583% | 3,057 |
| Noninterest expense to average assets | 1.8644% | 4,940 |
| Loan and lease loss provision to assets | 0.0637% | 2,887 |
| Net operating income to assets | 1.8042% | 547 |
| Return on assets (ROA) | 1.8019% | 541 |
| Pretax return on assets | 1.8034% | 907 |
| Return on Equity (ROE) | 12.5510% | 1,526 |
| Retained earnings to average equity (ytd only) | -4.3984% | 5,229 |
| Net charge-offs to loans | 0.0215% | 2,993 |
| Credit loss provision to net charge-offs | 471.9101% | 725 |
| Earnings coverage of net charge-offs (x) | 138.5393% | 588 |
| Efficiency ratio | 49.9330% | 4,947 |
| Assets per employee ($millions) | 5.9578% | 1,555 |
| Cash dividends to net income (ytd only)* | 135.0442% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5739% | 5,014 |
| Loan loss allowance to noncurrent loans | 109.3736% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 0.3680% | 3,080 |
| Noncurrent loans to loans | 0.5247% | 2,700 |
| Net loans and leases to total assets | 63.2307% | 3,435 |
| Net loans and leases to deposits | 82.7814% | 2,643 |
| Net loans and leases to core deposits | 88.7215% | 2,679 |
| Total domestic deposits to total assets | 76.3828% | 4,707 |
| Equity capital to assets | 13.8528% | 1,018 |
| Core capital (leverage) ratio | 13.8667% | 962 |
| Tier 1 risk-based capital ratio | 18.7359% | 1,562 |
| Total risk-based capital ratio | 19.2335% | 1,717 |
| Memoranda: | ||
| Average total assets | $659,583,200 | 1,101 |
| Average earning assets | $632,260,200 | 1,069 |
| Average equity | $94,694,000 | 893 |
| Average total loans | $414,006,800 | 1,218 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2094% | 3,291 |
| Cost of funding earning assets | 0.7824% | 1,421 |
| Net interest margin | 3.4270% | 3,927 |
| Noninterest income to average assets | 0.4660% | 3,064 |
| Noninterest expense to average assets | 1.8745% | 4,946 |
| Loan and lease loss provision to assets | 0.0636% | 2,702 |
| Net operating income to assets | 1.8109% | 590 |
| Return on assets (ROA) | 1.8485% | 548 |
| Pretax return on assets | 1.8505% | 904 |
| Return on Equity (ROE) | 12.7643% | 1,514 |
| Retained earnings to average equity (ytd only) | 3.0228% | 4,228 |
| Net charge-offs to loans | 0.0165% | 2,843 |
| Credit loss provision to net charge-offs | 617.6471% | 579 |
| Earnings coverage of net charge-offs (x) | 182.3091% | 472 |
| Efficiency ratio | 49.9731% | 4,944 |
| Assets per employee ($millions) | 5.9337% | 1,539 |
| Cash dividends to net income (ytd only)* | 76.3184% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5574% | 5,110 |
| Loan loss allowance to noncurrent loans | 82.2718% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 0.4394% | 2,924 |
| Noncurrent loans to loans | 0.6776% | 2,387 |
| Net loans and leases to total assets | 62.9712% | 3,548 |
| Net loans and leases to deposits | 83.8038% | 2,624 |
| Net loans and leases to core deposits | 89.7670% | 2,683 |
| Total domestic deposits to total assets | 75.1413% | 4,869 |
| Equity capital to assets | 14.4298% | 845 |
| Core capital (leverage) ratio | 14.6338% | 792 |
| Tier 1 risk-based capital ratio | 19.6552% | 1,408 |
| Total risk-based capital ratio | 20.1293% | 1,535 |
| Memoranda: | ||
| Average total assets | $660,639,000 | 1,104 |
| Average earning assets | $633,270,000 | 1,073 |
| Average equity | $95,671,000 | 878 |
| Average total loans | $413,313,250 | 1,222 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1574% | 3,254 |
| Cost of funding earning assets | 0.7559% | 1,346 |
| Net interest margin | 3.4015% | 3,948 |
| Noninterest income to average assets | 0.4739% | 3,013 |
| Noninterest expense to average assets | 1.8554% | 5,024 |
| Loan and lease loss provision to assets | 0.0635% | 2,631 |
| Net operating income to assets | 1.8113% | 570 |
| Return on assets (ROA) | 1.8823% | 485 |
| Pretax return on assets | 1.8854% | 803 |
| Return on Equity (ROE) | 12.9828% | 1,382 |
| Retained earnings to average equity (ytd only) | 2.8765% | 4,099 |
| Net charge-offs to loans | 0.0320% | 2,211 |
| Credit loss provision to net charge-offs | 318.1818% | 966 |
| Earnings coverage of net charge-offs (x) | 94.0758% | 726 |
| Efficiency ratio | 49.7003% | 5,040 |
| Assets per employee ($millions) | 5.9875% | 1,472 |
| Cash dividends to net income (ytd only)* | 77.8438% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5258% | 5,225 |
| Loan loss allowance to noncurrent loans | 74.1176% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 0.4612% | 2,892 |
| Noncurrent loans to loans | 0.7094% | 2,339 |
| Net loans and leases to total assets | 62.7641% | 3,526 |
| Net loans and leases to deposits | 85.0209% | 2,429 |
| Net loans and leases to core deposits | 91.3222% | 2,453 |
| Total domestic deposits to total assets | 73.8220% | 5,061 |
| Equity capital to assets | 14.3761% | 840 |
| Core capital (leverage) ratio | 14.6002% | 751 |
| Tier 1 risk-based capital ratio | 19.6842% | 1,382 |
| Total risk-based capital ratio | 20.1381% | 1,539 |
| Memoranda: | ||
| Average total assets | $661,304,670 | 1,106 |
| Average earning assets | $633,659,670 | 1,073 |
| Average equity | $95,881,000 | 878 |
| Average total loans | $412,057,670 | 1,226 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1427% | 3,083 |
| Cost of funding earning assets | 0.7121% | 1,380 |
| Net interest margin | 3.4306% | 3,774 |
| Noninterest income to average assets | 0.4869% | 2,886 |
| Noninterest expense to average assets | 1.8252% | 5,128 |
| Loan and lease loss provision to assets | 0.0637% | 2,499 |
| Net operating income to assets | 1.8786% | 475 |
| Return on assets (ROA) | 1.9829% | 390 |
| Pretax return on assets | 1.9889% | 580 |
| Return on Equity (ROE) | 13.6180% | 1,106 |
| Retained earnings to average equity (ytd only) | 2.3738% | 4,217 |
| Net charge-offs to loans | 0.0735% | 1,387 |
| Credit loss provision to net charge-offs | 140.0000% | 1,272 |
| Earnings coverage of net charge-offs (x) | 42.8400% | 1,032 |
| Efficiency ratio | 48.3690% | 5,175 |
| Assets per employee ($millions) | 6.0839% | 1,441 |
| Cash dividends to net income (ytd only)* | 82.5688% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5130% | 5,318 |
| Loan loss allowance to noncurrent loans | 67.1484% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 0.5271% | 2,765 |
| Noncurrent loans to loans | 0.7640% | 2,289 |
| Net loans and leases to total assets | 62.2946% | 3,514 |
| Net loans and leases to deposits | 83.1772% | 2,483 |
| Net loans and leases to core deposits | 88.9535% | 2,548 |
| Total domestic deposits to total assets | 74.8938% | 5,075 |
| Equity capital to assets | 14.6006% | 755 |
| Core capital (leverage) ratio | 14.6220% | 738 |
| Tier 1 risk-based capital ratio | 19.9113% | 1,361 |
| Total risk-based capital ratio | 20.3505% | 1,486 |
| Memoranda: | ||
| Average total assets | $659,651,000 | 1,120 |
| Average earning assets | $631,952,500 | 1,088 |
| Average equity | $96,049,000 | 884 |
| Average total loans | $408,415,000 | 1,240 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9183% | 3,662 |
| Cost of funding earning assets | 0.6412% | 1,348 |
| Net interest margin | 3.2771% | 4,224 |
| Noninterest income to average assets | 0.4037% | 3,617 |
| Noninterest expense to average assets | 1.8180% | 5,229 |
| Loan and lease loss provision to assets | 0.0581% | 3,070 |
| Net operating income to assets | 1.6651% | 566 |
| Return on assets (ROA) | 1.8937% | 355 |
| Pretax return on assets | 1.8952% | 607 |
| Return on Equity (ROE) | 13.5747% | 835 |
| Retained earnings to average equity (ytd only) | 3.2832% | 3,338 |
| Net charge-offs to loans | 0.0692% | 2,460 |
| Credit loss provision to net charge-offs | 140.7942% | 1,878 |
| Earnings coverage of net charge-offs (x) | 41.8267% | 1,222 |
| Efficiency ratio | 51.3173% | 5,143 |
| Assets per employee ($millions) | 5.9144% | 1,581 |
| Cash dividends to net income (ytd only)* | 75.8136% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5036% | 5,382 |
| Loan loss allowance to noncurrent loans | 73.7388% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 0.4861% | 2,936 |
| Noncurrent loans to loans | 0.6830% | 2,505 |
| Net loans and leases to total assets | 60.9217% | 3,740 |
| Net loans and leases to deposits | 83.4957% | 2,551 |
| Net loans and leases to core deposits | 88.6899% | 2,668 |
| Total domestic deposits to total assets | 72.9638% | 5,261 |
| Equity capital to assets | 14.5216% | 774 |
| Core capital (leverage) ratio | 14.1724% | 798 |
| Tier 1 risk-based capital ratio | 20.2063% | 1,280 |
| Total risk-based capital ratio | 20.6482% | 1,408 |
| Memoranda: | ||
| Average total assets | $671,800,200 | 1,087 |
| Average earning assets | $643,464,600 | 1,043 |
| Average equity | $93,718,200 | 876 |
| Average total loans | $400,247,400 | 1,231 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9253% | 3,602 |
| Cost of funding earning assets | 0.6344% | 1,338 |
| Net interest margin | 3.2909% | 4,197 |
| Noninterest income to average assets | 0.3917% | 3,744 |
| Noninterest expense to average assets | 1.8055% | 5,265 |
| Loan and lease loss provision to assets | 0.0565% | 2,959 |
| Net operating income to assets | 1.6814% | 599 |
| Return on assets (ROA) | 1.9678% | 339 |
| Pretax return on assets | 1.9698% | 581 |
| Return on Equity (ROE) | 14.2510% | 779 |
| Retained earnings to average equity (ytd only) | 3.5283% | 3,807 |
| Net charge-offs to loans | 0.0770% | 2,042 |
| Credit loss provision to net charge-offs | 123.9130% | 1,959 |
| Earnings coverage of net charge-offs (x) | 38.1651% | 1,346 |
| Efficiency ratio | 50.9253% | 5,184 |
| Assets per employee ($millions) | 6.1289% | 1,414 |
| Cash dividends to net income (ytd only)* | 75.2417% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4841% | 5,487 |
| Loan loss allowance to noncurrent loans | 74.5441% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 0.4662% | 3,171 |
| Noncurrent loans to loans | 0.6494% | 2,763 |
| Net loans and leases to total assets | 61.0777% | 3,758 |
| Net loans and leases to deposits | 82.9860% | 2,659 |
| Net loans and leases to core deposits | 88.4673% | 2,726 |
| Total domestic deposits to total assets | 73.6000% | 5,268 |
| Equity capital to assets | 14.2218% | 932 |
| Core capital (leverage) ratio | 13.9605% | 901 |
| Tier 1 risk-based capital ratio | 19.8557% | 1,393 |
| Total risk-based capital ratio | 20.2809% | 1,539 |
| Memoranda: | ||
| Average total assets | $672,668,500 | 1,090 |
| Average earning assets | $644,629,000 | 1,049 |
| Average equity | $92,884,750 | 887 |
| Average total loans | $398,005,000 | 1,245 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8739% | 3,644 |
| Cost of funding earning assets | 0.6238% | 1,313 |
| Net interest margin | 3.2501% | 4,267 |
| Noninterest income to average assets | 0.3934% | 3,732 |
| Noninterest expense to average assets | 1.8004% | 5,310 |
| Loan and lease loss provision to assets | 0.0536% | 2,904 |
| Net operating income to assets | 1.6493% | 627 |
| Return on assets (ROA) | 1.8796% | 400 |
| Pretax return on assets | 1.8826% | 689 |
| Return on Equity (ROE) | 13.7496% | 860 |
| Retained earnings to average equity (ytd only) | 2.1265% | 4,405 |
| Net charge-offs to loans | 0.0407% | 2,383 |
| Credit loss provision to net charge-offs | 225.0000% | 1,153 |
| Earnings coverage of net charge-offs (x) | 71.6625% | 829 |
| Efficiency ratio | 51.3493% | 5,218 |
| Assets per employee ($millions) | 5.8799% | 1,551 |
| Cash dividends to net income (ytd only)* | 84.5338% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5120% | 5,505 |
| Loan loss allowance to noncurrent loans | 80.6935% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 0.4819% | 3,163 |
| Noncurrent loans to loans | 0.6345% | 2,826 |
| Net loans and leases to total assets | 59.8956% | 3,856 |
| Net loans and leases to deposits | 82.4540% | 2,658 |
| Net loans and leases to core deposits | 88.2411% | 2,680 |
| Total domestic deposits to total assets | 72.6413% | 5,416 |
| Equity capital to assets | 14.2444% | 892 |
| Core capital (leverage) ratio | 13.7821% | 916 |
| Tier 1 risk-based capital ratio | 19.9980% | 1,372 |
| Total risk-based capital ratio | 20.4432% | 1,497 |
| Memoranda: | ||
| Average total assets | $672,166,670 | 1,089 |
| Average earning assets | $643,789,330 | 1,052 |
| Average equity | $91,886,330 | 895 |
| Average total loans | $392,749,000 | 1,261 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8004% | 3,762 |
| Cost of funding earning assets | 0.6083% | 1,316 |
| Net interest margin | 3.1921% | 4,368 |
| Noninterest income to average assets | 0.3858% | 3,766 |
| Noninterest expense to average assets | 1.7940% | 5,387 |
| Loan and lease loss provision to assets | 0.0533% | 2,741 |
| Net operating income to assets | 1.5910% | 688 |
| Return on assets (ROA) | 1.7372% | 519 |
| Pretax return on assets | 1.7431% | 915 |
| Return on Equity (ROE) | 12.9757% | 1,005 |
| Retained earnings to average equity (ytd only) | -1.2109% | 5,097 |
| Net charge-offs to loans | -0.0072% | 4,294 |
| Credit loss provision to net charge-offs | -1,285.7143% | 4,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0873% | 5,259 |
| Assets per employee ($millions) | 6.0377% | 1,482 |
| Cash dividends to net income (ytd only)* | 109.3324% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5176% | 5,583 |
| Loan loss allowance to noncurrent loans | 93.1239% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 0.4135% | 3,527 |
| Noncurrent loans to loans | 0.5558% | 3,139 |
| Net loans and leases to total assets | 58.1241% | 3,959 |
| Net loans and leases to deposits | 81.7984% | 2,536 |
| Net loans and leases to core deposits | 87.3677% | 2,608 |
| Total domestic deposits to total assets | 71.0577% | 5,594 |
| Equity capital to assets | 13.4453% | 1,089 |
| Core capital (leverage) ratio | 13.4763% | 983 |
| Tier 1 risk-based capital ratio | 19.5832% | 1,481 |
| Total risk-based capital ratio | 20.0240% | 1,628 |
| Memoranda: | ||
| Average total assets | $676,035,500 | 1,084 |
| Average earning assets | $647,715,500 | 1,046 |
| Average equity | $90,507,500 | 906 |
| Average total loans | $389,117,500 | 1,279 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8565% | 3,721 |
| Cost of funding earning assets | 0.5179% | 1,954 |
| Net interest margin | 3.3385% | 4,032 |
| Noninterest income to average assets | 0.4208% | 3,736 |
| Noninterest expense to average assets | 1.8656% | 5,407 |
| Loan and lease loss provision to assets | 0.0546% | 3,286 |
| Net operating income to assets | 1.6960% | 549 |
| Return on assets (ROA) | 1.9502% | 372 |
| Pretax return on assets | 1.9518% | 560 |
| Return on Equity (ROE) | 13.4685% | 886 |
| Retained earnings to average equity (ytd only) | 3.8755% | 3,165 |
| Net charge-offs to loans | 0.0795% | 2,552 |
| Credit loss provision to net charge-offs | 122.8669% | 2,170 |
| Earnings coverage of net charge-offs (x) | 39.4164% | 1,188 |
| Efficiency ratio | 51.5684% | 5,409 |
| Assets per employee ($millions) | 6.2579% | 1,289 |
| Cash dividends to net income (ytd only)* | 71.2252% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5084% | 5,649 |
| Loan loss allowance to noncurrent loans | 91.7137% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 0.3863% | 3,726 |
| Noncurrent loans to loans | 0.5544% | 3,182 |
| Net loans and leases to total assets | 56.4022% | 4,226 |
| Net loans and leases to deposits | 78.2611% | 3,069 |
| Net loans and leases to core deposits | 83.5781% | 3,065 |
| Total domestic deposits to total assets | 72.0694% | 5,554 |
| Equity capital to assets | 13.3306% | 1,121 |
| Core capital (leverage) ratio | 13.7653% | 879 |
| Tier 1 risk-based capital ratio | 20.0314% | 1,369 |
| Total risk-based capital ratio | 20.4597% | 1,504 |
| Memoranda: | ||
| Average total assets | $659,147,000 | 1,078 |
| Average earning assets | $631,173,600 | 1,032 |
| Average equity | $95,445,200 | 838 |
| Average total loans | $368,339,200 | 1,278 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8756% | 3,670 |
| Cost of funding earning assets | 0.5018% | 2,090 |
| Net interest margin | 3.3738% | 3,947 |
| Noninterest income to average assets | 0.4179% | 3,795 |
| Noninterest expense to average assets | 1.8936% | 5,387 |
| Loan and lease loss provision to assets | 0.0550% | 3,158 |
| Net operating income to assets | 1.6975% | 594 |
| Return on assets (ROA) | 2.1242% | 293 |
| Pretax return on assets | 2.1262% | 440 |
| Return on Equity (ROE) | 14.3755% | 760 |
| Retained earnings to average equity (ytd only) | 4.2624% | 3,289 |
| Net charge-offs to loans | 0.1082% | 1,862 |
| Credit loss provision to net charge-offs | 91.2162% | 2,511 |
| Earnings coverage of net charge-offs (x) | 29.1180% | 1,518 |
| Efficiency ratio | 51.9056% | 5,395 |
| Assets per employee ($millions) | 6.1089% | 1,347 |
| Cash dividends to net income (ytd only)* | 70.3498% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4947% | 5,731 |
| Loan loss allowance to noncurrent loans | 104.1550% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 0.3753% | 3,921 |
| Noncurrent loans to loans | 0.4750% | 3,592 |
| Net loans and leases to total assets | 56.5484% | 4,249 |
| Net loans and leases to deposits | 77.0021% | 3,287 |
| Net loans and leases to core deposits | 82.1338% | 3,271 |
| Total domestic deposits to total assets | 73.4374% | 5,483 |
| Equity capital to assets | 15.0178% | 738 |
| Core capital (leverage) ratio | 13.9633% | 861 |
| Tier 1 risk-based capital ratio | 19.8099% | 1,484 |
| Total risk-based capital ratio | 20.2177% | 1,639 |
| Memoranda: | ||
| Average total assets | $654,971,500 | 1,086 |
| Average earning assets | $627,093,750 | 1,040 |
| Average equity | $96,782,750 | 821 |
| Average total loans | $364,638,500 | 1,287 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8709% | 3,695 |
| Cost of funding earning assets | 0.4846% | 2,236 |
| Net interest margin | 3.3863% | 3,944 |
| Noninterest income to average assets | 0.3756% | 4,064 |
| Noninterest expense to average assets | 1.8632% | 5,513 |
| Loan and lease loss provision to assets | 0.0551% | 3,048 |
| Net operating income to assets | 1.6992% | 581 |
| Return on assets (ROA) | 2.2306% | 230 |
| Pretax return on assets | 2.2336% | 349 |
| Return on Equity (ROE) | 15.1786% | 651 |
| Retained earnings to average equity (ytd only) | 4.1368% | 3,272 |
| Net charge-offs to loans | 0.0725% | 2,144 |
| Credit loss provision to net charge-offs | 137.4046% | 1,703 |
| Earnings coverage of net charge-offs (x) | 43.8244% | 1,090 |
| Efficiency ratio | 51.4626% | 5,475 |
| Assets per employee ($millions) | 5.9524% | 1,431 |
| Cash dividends to net income (ytd only)* | 72.7460% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5169% | 5,783 |
| Loan loss allowance to noncurrent loans | 85.3227% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 0.3837% | 3,959 |
| Noncurrent loans to loans | 0.6058% | 3,254 |
| Net loans and leases to total assets | 56.2160% | 4,282 |
| Net loans and leases to deposits | 79.0216% | 3,052 |
| Net loans and leases to core deposits | 83.8312% | 3,100 |
| Total domestic deposits to total assets | 71.1401% | 5,721 |
| Equity capital to assets | 15.2177% | 688 |
| Core capital (leverage) ratio | 13.9636% | 831 |
| Tier 1 risk-based capital ratio | 19.8072% | 1,499 |
| Total risk-based capital ratio | 20.2370% | 1,667 |
| Memoranda: | ||
| Average total assets | $653,375,670 | 1,087 |
| Average earning assets | $626,110,330 | 1,045 |
| Average equity | $96,016,670 | 826 |
| Average total loans | $361,205,330 | 1,298 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8469% | 3,779 |
| Cost of funding earning assets | 0.4880% | 2,196 |
| Net interest margin | 3.3589% | 4,010 |
| Noninterest income to average assets | 0.3559% | 4,183 |
| Noninterest expense to average assets | 1.8729% | 5,558 |
| Loan and lease loss provision to assets | 0.0554% | 2,838 |
| Net operating income to assets | 1.6420% | 648 |
| Return on assets (ROA) | 2.1610% | 258 |
| Pretax return on assets | 2.1671% | 405 |
| Return on Equity (ROE) | 14.9757% | 671 |
| Retained earnings to average equity (ytd only) | 1.0624% | 4,814 |
| Net charge-offs to loans | 0.0552% | 1,970 |
| Credit loss provision to net charge-offs | 183.6735% | 1,137 |
| Earnings coverage of net charge-offs (x) | 56.4694% | 812 |
| Efficiency ratio | 52.3670% | 5,491 |
| Assets per employee ($millions) | 6.0155% | 1,394 |
| Cash dividends to net income (ytd only)* | 92.9060% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5334% | 5,832 |
| Loan loss allowance to noncurrent loans | 81.8918% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 0.4035% | 3,980 |
| Noncurrent loans to loans | 0.6514% | 3,218 |
| Net loans and leases to total assets | 55.6812% | 4,292 |
| Net loans and leases to deposits | 75.5251% | 3,274 |
| Net loans and leases to core deposits | 79.6291% | 3,358 |
| Total domestic deposits to total assets | 73.7253% | 5,635 |
| Equity capital to assets | 14.7641% | 755 |
| Core capital (leverage) ratio | 13.7404% | 889 |
| Tier 1 risk-based capital ratio | 20.5715% | 1,389 |
| Total risk-based capital ratio | 21.0241% | 1,519 |
| Memoranda: | ||
| Average total assets | $649,704,000 | 1,088 |
| Average earning assets | $622,948,000 | 1,050 |
| Average equity | $93,752,000 | 845 |
| Average total loans | $355,128,000 | 1,310 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0321% | 3,188 |
| Cost of funding earning assets | 0.5185% | 2,006 |
| Net interest margin | 3.5135% | 3,474 |
| Noninterest income to average assets | 0.5242% | 3,174 |
| Noninterest expense to average assets | 2.0078% | 5,438 |
| Loan and lease loss provision to assets | 0.0592% | 3,124 |
| Net operating income to assets | 1.8030% | 484 |
| Return on assets (ROA) | 2.0617% | 325 |
| Pretax return on assets | 2.0633% | 475 |
| Return on Equity (ROE) | 14.4700% | 770 |
| Retained earnings to average equity (ytd only) | 5.5945% | 2,019 |
| Net charge-offs to loans | 0.0919% | 2,516 |
| Credit loss provision to net charge-offs | 122.5490% | 2,111 |
| Earnings coverage of net charge-offs (x) | 38.5654% | 1,211 |
| Efficiency ratio | 51.8602% | 5,640 |
| Assets per employee ($millions) | 6.0161% | 1,373 |
| Cash dividends to net income (ytd only)* | 61.3375% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5375% | 5,889 |
| Loan loss allowance to noncurrent loans | 60.2305% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 0.5055% | 3,619 |
| Noncurrent loans to loans | 0.8924% | 2,564 |
| Net loans and leases to total assets | 53.0777% | 4,590 |
| Net loans and leases to deposits | 72.9942% | 3,615 |
| Net loans and leases to core deposits | 77.5781% | 3,597 |
| Total domestic deposits to total assets | 72.7149% | 5,751 |
| Equity capital to assets | 14.1019% | 899 |
| Core capital (leverage) ratio | 13.4767% | 978 |
| Tier 1 risk-based capital ratio | 20.5879% | 1,368 |
| Total risk-based capital ratio | 21.0321% | 1,497 |
| Memoranda: | ||
| Average total assets | $633,172,000 | 1,081 |
| Average earning assets | $603,241,200 | 1,039 |
| Average equity | $90,214,000 | 846 |
| Average total loans | $332,948,200 | 1,343 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0258% | 3,233 |
| Cost of funding earning assets | 0.5286% | 1,974 |
| Net interest margin | 3.4972% | 3,548 |
| Noninterest income to average assets | 0.4980% | 3,381 |
| Noninterest expense to average assets | 1.9713% | 5,533 |
| Loan and lease loss provision to assets | 0.0478% | 3,246 |
| Net operating income to assets | 1.8054% | 512 |
| Return on assets (ROA) | 2.1385% | 302 |
| Pretax return on assets | 2.1406% | 467 |
| Return on Equity (ROE) | 14.9691% | 729 |
| Retained earnings to average equity (ytd only) | 6.1393% | 2,158 |
| Net charge-offs to loans | 0.0365% | 3,174 |
| Credit loss provision to net charge-offs | 250.0000% | 1,136 |
| Earnings coverage of net charge-offs (x) | 97.0198% | 644 |
| Efficiency ratio | 51.5158% | 5,681 |
| Assets per employee ($millions) | 5.9290% | 1,423 |
| Cash dividends to net income (ytd only)* | 58.9866% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5574% | 5,952 |
| Loan loss allowance to noncurrent loans | 55.4227% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 0.7179% | 3,113 |
| Noncurrent loans to loans | 1.0057% | 2,465 |
| Net loans and leases to total assets | 54.2454% | 4,545 |
| Net loans and leases to deposits | 69.8812% | 4,000 |
| Net loans and leases to core deposits | 74.2949% | 3,985 |
| Total domestic deposits to total assets | 77.6252% | 5,246 |
| Equity capital to assets | 14.2363% | 936 |
| Core capital (leverage) ratio | 13.7761% | 918 |
| Tier 1 risk-based capital ratio | 20.7233% | 1,395 |
| Total risk-based capital ratio | 21.1914% | 1,524 |
| Memoranda: | ||
| Average total assets | $627,526,500 | 1,093 |
| Average earning assets | $597,259,500 | 1,056 |
| Average equity | $89,649,000 | 858 |
| Average total loans | $328,700,250 | 1,365 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0207% | 3,199 |
| Cost of funding earning assets | 0.5343% | 1,948 |
| Net interest margin | 3.4865% | 3,553 |
| Noninterest income to average assets | 0.4184% | 3,937 |
| Noninterest expense to average assets | 1.9600% | 5,613 |
| Loan and lease loss provision to assets | 0.0481% | 3,158 |
| Net operating income to assets | 1.7200% | 606 |
| Return on assets (ROA) | 2.0739% | 333 |
| Pretax return on assets | 2.0772% | 509 |
| Return on Equity (ROE) | 14.4999% | 821 |
| Retained earnings to average equity (ytd only) | 4.9021% | 2,921 |
| Net charge-offs to loans | 0.0261% | 3,161 |
| Credit loss provision to net charge-offs | 357.1429% | 817 |
| Earnings coverage of net charge-offs (x) | 131.4286% | 481 |
| Efficiency ratio | 52.5284% | 5,676 |
| Assets per employee ($millions) | 6.0597% | 1,309 |
| Cash dividends to net income (ytd only)* | 66.1922% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5710% | 6,018 |
| Loan loss allowance to noncurrent loans | 54.5300% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 0.7868% | 3,026 |
| Noncurrent loans to loans | 1.0472% | 2,550 |
| Net loans and leases to total assets | 52.0478% | 4,751 |
| Net loans and leases to deposits | 70.3276% | 3,896 |
| Net loans and leases to core deposits | 75.0560% | 3,846 |
| Total domestic deposits to total assets | 74.0076% | 5,794 |
| Equity capital to assets | 13.7113% | 1,085 |
| Core capital (leverage) ratio | 13.5512% | 973 |
| Tier 1 risk-based capital ratio | 20.5280% | 1,448 |
| Total risk-based capital ratio | 20.9951% | 1,569 |
| Memoranda: | ||
| Average total assets | $623,256,670 | 1,106 |
| Average earning assets | $592,231,000 | 1,074 |
| Average equity | $89,145,330 | 865 |
| Average total loans | $321,833,670 | 1,395 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9905% | 3,261 |
| Cost of funding earning assets | 0.5452% | 1,884 |
| Net interest margin | 3.4453% | 3,640 |
| Noninterest income to average assets | 0.3917% | 4,072 |
| Noninterest expense to average assets | 1.9514% | 5,663 |
| Loan and lease loss provision to assets | 0.0489% | 2,953 |
| Net operating income to assets | 1.6633% | 644 |
| Return on assets (ROA) | 2.0329% | 337 |
| Pretax return on assets | 2.0394% | 549 |
| Return on Equity (ROE) | 13.9114% | 898 |
| Retained earnings to average equity (ytd only) | 2.2301% | 4,567 |
| Net charge-offs to loans | -0.0191% | 5,026 |
| Credit loss provision to net charge-offs | -500.0000% | 4,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1700% | 5,738 |
| Assets per employee ($millions) | 5.8600% | 1,497 |
| Cash dividends to net income (ytd only)* | 83.9692% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6058% | 6,058 |
| Loan loss allowance to noncurrent loans | 56.5398% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 0.5670% | 3,782 |
| Noncurrent loans to loans | 1.0715% | 2,620 |
| Net loans and leases to total assets | 50.7139% | 4,778 |
| Net loans and leases to deposits | 66.6294% | 4,090 |
| Net loans and leases to core deposits | 71.0171% | 4,064 |
| Total domestic deposits to total assets | 76.1133% | 5,727 |
| Equity capital to assets | 14.6180% | 799 |
| Core capital (leverage) ratio | 13.6175% | 934 |
| Tier 1 risk-based capital ratio | 21.1859% | 1,380 |
| Total risk-based capital ratio | 21.6742% | 1,507 |
| Memoranda: | ||
| Average total assets | $613,719,500 | 1,128 |
| Average earning assets | $583,984,500 | 1,086 |
| Average equity | $89,682,000 | 859 |
| Average total loans | $314,631,000 | 1,419 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1540% | 3,109 |
| Cost of funding earning assets | 0.6006% | 1,757 |
| Net interest margin | 3.5534% | 3,588 |
| Noninterest income to average assets | 0.4053% | 4,148 |
| Noninterest expense to average assets | 1.9584% | 5,844 |
| Loan and lease loss provision to assets | 0.0497% | 3,569 |
| Net operating income to assets | 1.7588% | 512 |
| Return on assets (ROA) | 1.8978% | 411 |
| Pretax return on assets | 1.9001% | 641 |
| Return on Equity (ROE) | 13.5236% | 1,033 |
| Retained earnings to average equity (ytd only) | 5.5887% | 2,200 |
| Net charge-offs to loans | 0.0892% | 3,213 |
| Credit loss provision to net charge-offs | 108.3032% | 2,202 |
| Earnings coverage of net charge-offs (x) | 39.4513% | 1,098 |
| Efficiency ratio | 51.9585% | 5,987 |
| Assets per employee ($millions) | 5.7209% | 1,592 |
| Cash dividends to net income (ytd only)* | 58.6746% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5747% | 6,176 |
| Loan loss allowance to noncurrent loans | 87.2412% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 0.3708% | 4,579 |
| Noncurrent loans to loans | 0.6587% | 3,709 |
| Net loans and leases to total assets | 51.2148% | 4,857 |
| Net loans and leases to deposits | 65.9343% | 4,336 |
| Net loans and leases to core deposits | 70.0694% | 4,322 |
| Total domestic deposits to total assets | 77.6755% | 5,491 |
| Equity capital to assets | 14.6077% | 782 |
| Core capital (leverage) ratio | 13.5237% | 963 |
| Tier 1 risk-based capital ratio | 22.6732% | 1,123 |
| Total risk-based capital ratio | 23.1766% | 1,212 |
| Memoranda: | ||
| Average total assets | $603,488,400 | 1,102 |
| Average earning assets | $571,308,400 | 1,065 |
| Average equity | $84,689,200 | 873 |
| Average total loans | $310,462,400 | 1,381 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1385% | 3,215 |
| Cost of funding earning assets | 0.6085% | 1,763 |
| Net interest margin | 3.5300% | 3,715 |
| Noninterest income to average assets | 0.3980% | 4,257 |
| Noninterest expense to average assets | 1.9002% | 5,949 |
| Loan and lease loss provision to assets | 0.0499% | 3,382 |
| Net operating income to assets | 1.7829% | 526 |
| Return on assets (ROA) | 1.9040% | 433 |
| Pretax return on assets | 1.9071% | 709 |
| Return on Equity (ROE) | 13.7103% | 1,047 |
| Retained earnings to average equity (ytd only) | 5.9986% | 2,409 |
| Net charge-offs to loans | -0.0035% | 5,239 |
| Credit loss provision to net charge-offs | -2,812.5000% | 6,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8605% | 6,060 |
| Assets per employee ($millions) | 5.8928% | 1,413 |
| Cash dividends to net income (ytd only)* | 56.2478% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6453% | 6,171 |
| Loan loss allowance to noncurrent loans | 97.5869% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 0.3965% | 4,729 |
| Noncurrent loans to loans | 0.6613% | 3,959 |
| Net loans and leases to total assets | 50.7964% | 4,913 |
| Net loans and leases to deposits | 67.3799% | 4,197 |
| Net loans and leases to core deposits | 71.7328% | 4,176 |
| Total domestic deposits to total assets | 75.3880% | 5,885 |
| Equity capital to assets | 14.3186% | 904 |
| Core capital (leverage) ratio | 13.4723% | 1,007 |
| Tier 1 risk-based capital ratio | 22.5281% | 1,181 |
| Total risk-based capital ratio | 23.0922% | 1,269 |
| Memoranda: | ||
| Average total assets | $601,327,000 | 1,109 |
| Average earning assets | $568,635,000 | 1,076 |
| Average equity | $83,506,750 | 885 |
| Average total loans | $309,249,250 | 1,400 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1277% | 3,237 |
| Cost of funding earning assets | 0.6195% | 1,735 |
| Net interest margin | 3.5082% | 3,754 |
| Noninterest income to average assets | 0.3548% | 4,585 |
| Noninterest expense to average assets | 1.9147% | 5,975 |
| Loan and lease loss provision to assets | 0.0502% | 3,298 |
| Net operating income to assets | 1.7005% | 578 |
| Return on assets (ROA) | 1.7768% | 530 |
| Pretax return on assets | 1.7815% | 876 |
| Return on Equity (ROE) | 12.9319% | 1,195 |
| Retained earnings to average equity (ytd only) | 4.3074% | 3,430 |
| Net charge-offs to loans | 0.0104% | 4,047 |
| Credit loss provision to net charge-offs | 937.5000% | 350 |
| Earnings coverage of net charge-offs (x) | 327.7500% | 212 |
| Efficiency ratio | 52.1707% | 6,052 |
| Assets per employee ($millions) | 5.7953% | 1,429 |
| Cash dividends to net income (ytd only)* | 66.6918% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6139% | 6,293 |
| Loan loss allowance to noncurrent loans | 98.0122% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 0.4117% | 4,779 |
| Noncurrent loans to loans | 0.6263% | 4,146 |
| Net loans and leases to total assets | 51.1627% | 4,836 |
| Net loans and leases to deposits | 68.1913% | 4,026 |
| Net loans and leases to core deposits | 72.5645% | 3,992 |
| Total domestic deposits to total assets | 75.0282% | 6,022 |
| Equity capital to assets | 14.0822% | 939 |
| Core capital (leverage) ratio | 13.4690% | 984 |
| Tier 1 risk-based capital ratio | 21.9896% | 1,259 |
| Total risk-based capital ratio | 22.5263% | 1,367 |
| Memoranda: | ||
| Average total assets | $597,484,330 | 1,117 |
| Average earning assets | $564,620,670 | 1,085 |
| Average equity | $82,091,670 | 892 |
| Average total loans | $307,889,000 | 1,405 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1141% | 3,227 |
| Cost of funding earning assets | 0.6385% | 1,661 |
| Net interest margin | 3.4756% | 3,802 |
| Noninterest income to average assets | 0.4122% | 4,087 |
| Noninterest expense to average assets | 1.9291% | 6,012 |
| Loan and lease loss provision to assets | 0.0507% | 3,084 |
| Net operating income to assets | 1.7081% | 567 |
| Return on assets (ROA) | 1.7676% | 521 |
| Pretax return on assets | 1.7771% | 831 |
| Return on Equity (ROE) | 13.0324% | 1,155 |
| Retained earnings to average equity (ytd only) | 1.8233% | 4,874 |
| Net charge-offs to loans | -0.0157% | 5,229 |
| Credit loss provision to net charge-offs | -625.0000% | 5,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1842% | 6,124 |
| Assets per employee ($millions) | 5.6529% | 1,573 |
| Cash dividends to net income (ytd only)* | 86.0092% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6118% | 6,395 |
| Loan loss allowance to noncurrent loans | 72.1816% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 0.5620% | 4,461 |
| Noncurrent loans to loans | 0.8476% | 3,771 |
| Net loans and leases to total assets | 51.8403% | 4,693 |
| Net loans and leases to deposits | 67.1833% | 3,949 |
| Net loans and leases to core deposits | 71.0714% | 3,976 |
| Total domestic deposits to total assets | 77.1624% | 5,943 |
| Equity capital to assets | 13.9610% | 933 |
| Core capital (leverage) ratio | 13.2586% | 1,062 |
| Tier 1 risk-based capital ratio | 22.1710% | 1,263 |
| Total risk-based capital ratio | 22.7079% | 1,358 |
| Memoranda: | ||
| Average total assets | $591,973,500 | 1,132 |
| Average earning assets | $559,445,500 | 1,101 |
| Average equity | $80,292,000 | 910 |
| Average total loans | $305,208,000 | 1,416 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9071% | 4,433 |
| Cost of funding earning assets | 0.7352% | 1,592 |
| Net interest margin | 3.1718% | 5,086 |
| Noninterest income to average assets | 0.5087% | 3,700 |
| Noninterest expense to average assets | 1.9235% | 6,155 |
| Loan and lease loss provision to assets | 0.0128% | 4,868 |
| Net operating income to assets | 1.5655% | 737 |
| Return on assets (ROA) | 1.5668% | 758 |
| Pretax return on assets | 1.5677% | 1,252 |
| Return on Equity (ROE) | 11.6354% | 1,540 |
| Retained earnings to average equity (ytd only) | 4.7610% | 2,762 |
| Net charge-offs to loans | 0.1091% | 3,738 |
| Credit loss provision to net charge-offs | 23.3645% | 4,383 |
| Earnings coverage of net charge-offs (x) | 28.9346% | 1,222 |
| Efficiency ratio | 54.9170% | 6,059 |
| Assets per employee ($millions) | 5.6231% | 1,543 |
| Cash dividends to net income (ytd only)* | 59.0820% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5889% | 6,490 |
| Loan loss allowance to noncurrent loans | 76.1601% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 0.4941% | 4,759 |
| Noncurrent loans to loans | 0.7733% | 4,033 |
| Net loans and leases to total assets | 50.6641% | 5,010 |
| Net loans and leases to deposits | 66.3200% | 4,261 |
| Net loans and leases to core deposits | 70.8467% | 4,204 |
| Total domestic deposits to total assets | 76.3935% | 6,058 |
| Equity capital to assets | 13.1713% | 1,200 |
| Core capital (leverage) ratio | 13.1542% | 1,080 |
| Tier 1 risk-based capital ratio | 21.9561% | 1,265 |
| Total risk-based capital ratio | 22.4653% | 1,366 |
| Memoranda: | ||
| Average total assets | $588,201,200 | 1,130 |
| Average earning assets | $555,199,000 | 1,092 |
| Average equity | $79,206,600 | 901 |
| Average total loans | $294,139,600 | 1,440 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8536% | 4,658 |
| Cost of funding earning assets | 0.7532% | 1,580 |
| Net interest margin | 3.1004% | 5,316 |
| Noninterest income to average assets | 0.5288% | 3,601 |
| Noninterest expense to average assets | 1.9148% | 6,162 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5386% | 838 |
| Return on assets (ROA) | 1.5370% | 882 |
| Pretax return on assets | 1.5381% | 1,503 |
| Return on Equity (ROE) | 11.3508% | 1,695 |
| Retained earnings to average equity (ytd only) | 3.4146% | 4,255 |
| Net charge-offs to loans | 0.0951% | 3,614 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 32.5477% | 1,166 |
| Efficiency ratio | 55.4283% | 5,979 |
| Assets per employee ($millions) | 5.7145% | 1,439 |
| Cash dividends to net income (ytd only)* | 69.9171% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6061% | 6,551 |
| Loan loss allowance to noncurrent loans | 91.9436% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 0.4798% | 4,990 |
| Noncurrent loans to loans | 0.6593% | 4,552 |
| Net loans and leases to total assets | 50.8704% | 5,022 |
| Net loans and leases to deposits | 64.8156% | 4,431 |
| Net loans and leases to core deposits | 69.3548% | 4,390 |
| Total domestic deposits to total assets | 78.4848% | 5,827 |
| Equity capital to assets | 13.2198% | 1,232 |
| Core capital (leverage) ratio | 13.1380% | 1,150 |
| Tier 1 risk-based capital ratio | 21.2893% | 1,441 |
| Total risk-based capital ratio | 21.8058% | 1,564 |
| Memoranda: | ||
| Average total assets | $586,239,750 | 1,149 |
| Average earning assets | $553,198,250 | 1,105 |
| Average equity | $79,381,500 | 909 |
| Average total loans | $291,731,750 | 1,455 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7986% | 4,838 |
| Cost of funding earning assets | 0.7660% | 1,611 |
| Net interest margin | 3.0326% | 5,489 |
| Noninterest income to average assets | 0.5145% | 3,747 |
| Noninterest expense to average assets | 1.8929% | 6,234 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4802% | 930 |
| Return on assets (ROA) | 1.4628% | 1,032 |
| Pretax return on assets | 1.4645% | 1,726 |
| Return on Equity (ROE) | 10.7177% | 1,920 |
| Retained earnings to average equity (ytd only) | 2.0825% | 4,950 |
| Net charge-offs to loans | 0.0347% | 4,200 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 86.7600% | 527 |
| Efficiency ratio | 56.0887% | 5,957 |
| Assets per employee ($millions) | 5.3976% | 1,697 |
| Cash dividends to net income (ytd only)* | 80.5698% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6708% | 6,538 |
| Loan loss allowance to noncurrent loans | 87.8654% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 0.5004% | 5,015 |
| Noncurrent loans to loans | 0.7634% | 4,395 |
| Net loans and leases to total assets | 50.8695% | 5,013 |
| Net loans and leases to deposits | 64.6017% | 4,422 |
| Net loans and leases to core deposits | 69.2836% | 4,354 |
| Total domestic deposits to total assets | 78.7434% | 5,840 |
| Equity capital to assets | 13.2352% | 1,242 |
| Core capital (leverage) ratio | 12.9482% | 1,187 |
| Tier 1 risk-based capital ratio | 21.3099% | 1,420 |
| Total risk-based capital ratio | 21.8808% | 1,550 |
| Memoranda: | ||
| Average total assets | $585,455,000 | 1,150 |
| Average earning assets | $552,197,000 | 1,108 |
| Average equity | $79,905,000 | 906 |
| Average total loans | $288,560,330 | 1,462 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7448% | 5,005 |
| Cost of funding earning assets | 0.7758% | 1,672 |
| Net interest margin | 2.9689% | 5,659 |
| Noninterest income to average assets | 0.4913% | 3,828 |
| Noninterest expense to average assets | 1.8269% | 6,400 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4632% | 929 |
| Return on assets (ROA) | 1.4767% | 977 |
| Pretax return on assets | 1.4801% | 1,616 |
| Return on Equity (ROE) | 10.6617% | 1,806 |
| Retained earnings to average equity (ytd only) | 0.0049% | 5,763 |
| Net charge-offs to loans | 0.0182% | 3,791 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 166.2308% | 243 |
| Efficiency ratio | 55.4708% | 6,111 |
| Assets per employee ($millions) | 5.5014% | 1,670 |
| Cash dividends to net income (ytd only)* | 99.9540% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7081% | 6,584 |
| Loan loss allowance to noncurrent loans | 104.1216% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 0.4899% | 5,150 |
| Noncurrent loans to loans | 0.6801% | 4,766 |
| Net loans and leases to total assets | 49.0567% | 5,106 |
| Net loans and leases to deposits | 61.9949% | 4,547 |
| Net loans and leases to core deposits | 66.5123% | 4,464 |
| Total domestic deposits to total assets | 79.1302% | 5,938 |
| Equity capital to assets | 13.9961% | 1,027 |
| Core capital (leverage) ratio | 12.6618% | 1,269 |
| Tier 1 risk-based capital ratio | 21.6256% | 1,397 |
| Total risk-based capital ratio | 22.2245% | 1,517 |
| Memoranda: | ||
| Average total assets | $589,411,500 | 1,150 |
| Average earning assets | $556,293,500 | 1,109 |
| Average equity | $81,638,000 | 894 |
| Average total loans | $284,952,000 | 1,485 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1442% | 4,787 |
| Cost of funding earning assets | 0.9671% | 1,542 |
| Net interest margin | 3.1771% | 5,623 |
| Noninterest income to average assets | 0.4858% | 3,991 |
| Noninterest expense to average assets | 1.8607% | 6,539 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.6111% | 744 |
| Return on assets (ROA) | 1.5785% | 866 |
| Pretax return on assets | 1.5794% | 1,439 |
| Return on Equity (ROE) | 11.2373% | 1,733 |
| Retained earnings to average equity (ytd only) | 3.8527% | 3,484 |
| Net charge-offs to loans | 0.1071% | 4,596 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 31.7172% | 967 |
| Efficiency ratio | 53.5806% | 6,308 |
| Assets per employee ($millions) | 5.6715% | 1,548 |
| Cash dividends to net income (ytd only)* | 65.7156% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7149% | 6,612 |
| Loan loss allowance to noncurrent loans | 88.3963% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 0.7377% | 4,634 |
| Noncurrent loans to loans | 0.8088% | 4,570 |
| Net loans and leases to total assets | 46.9870% | 5,510 |
| Net loans and leases to deposits | 59.2763% | 5,098 |
| Net loans and leases to core deposits | 63.6829% | 4,994 |
| Total domestic deposits to total assets | 79.2678% | 5,832 |
| Equity capital to assets | 13.7111% | 1,149 |
| Core capital (leverage) ratio | 12.7628% | 1,213 |
| Tier 1 risk-based capital ratio | 21.2607% | 1,406 |
| Total risk-based capital ratio | 21.8536% | 1,516 |
| Memoranda: | ||
| Average total assets | $570,601,800 | 1,164 |
| Average earning assets | $536,436,400 | 1,125 |
| Average equity | $80,152,600 | 873 |
| Average total loans | $270,671,600 | 1,537 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2274% | 4,720 |
| Cost of funding earning assets | 1.0136% | 1,480 |
| Net interest margin | 3.2138% | 5,667 |
| Noninterest income to average assets | 0.5888% | 3,349 |
| Noninterest expense to average assets | 1.8398% | 6,631 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.7680% | 610 |
| Return on assets (ROA) | 1.7680% | 678 |
| Pretax return on assets | 1.7692% | 1,123 |
| Return on Equity (ROE) | 12.5064% | 1,457 |
| Retained earnings to average equity (ytd only) | 3.6958% | 4,288 |
| Net charge-offs to loans | 0.0873% | 4,512 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 42.6853% | 838 |
| Efficiency ratio | 50.9778% | 6,520 |
| Assets per employee ($millions) | 5.5385% | 1,602 |
| Cash dividends to net income (ytd only)* | 70.4487% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8055% | 6,589 |
| Loan loss allowance to noncurrent loans | 70.9241% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 0.9825% | 4,320 |
| Noncurrent loans to loans | 1.1357% | 4,157 |
| Net loans and leases to total assets | 46.3903% | 5,723 |
| Net loans and leases to deposits | 57.7338% | 5,452 |
| Net loans and leases to core deposits | 62.5174% | 5,308 |
| Total domestic deposits to total assets | 80.3521% | 5,562 |
| Equity capital to assets | 14.3494% | 1,019 |
| Core capital (leverage) ratio | 12.8237% | 1,263 |
| Tier 1 risk-based capital ratio | 22.6268% | 1,235 |
| Total risk-based capital ratio | 23.3022% | 1,300 |
| Memoranda: | ||
| Average total assets | $562,958,500 | 1,194 |
| Average earning assets | $529,042,000 | 1,151 |
| Average equity | $79,583,750 | 881 |
| Average total loans | $267,212,500 | 1,560 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3097% | 4,533 |
| Cost of funding earning assets | 1.0412% | 1,517 |
| Net interest margin | 3.2685% | 5,537 |
| Noninterest income to average assets | 0.5613% | 3,518 |
| Noninterest expense to average assets | 1.8067% | 6,742 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.8221% | 541 |
| Return on assets (ROA) | 1.8221% | 611 |
| Pretax return on assets | 1.8239% | 993 |
| Return on Equity (ROE) | 12.9552% | 1,374 |
| Retained earnings to average equity (ytd only) | 3.1513% | 4,525 |
| Net charge-offs to loans | 0.0464% | 4,741 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 82.4355% | 499 |
| Efficiency ratio | 49.7641% | 6,656 |
| Assets per employee ($millions) | 5.3044% | 1,813 |
| Cash dividends to net income (ytd only)* | 75.6757% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8419% | 6,583 |
| Loan loss allowance to noncurrent loans | 76.6260% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 1.0365% | 4,307 |
| Noncurrent loans to loans | 1.0987% | 4,324 |
| Net loans and leases to total assets | 46.9392% | 5,732 |
| Net loans and leases to deposits | 58.9994% | 5,343 |
| Net loans and leases to core deposits | 63.9313% | 5,216 |
| Total domestic deposits to total assets | 79.5588% | 5,848 |
| Equity capital to assets | 14.0183% | 1,090 |
| Core capital (leverage) ratio | 12.6985% | 1,263 |
| Tier 1 risk-based capital ratio | 22.1377% | 1,264 |
| Total risk-based capital ratio | 22.8416% | 1,347 |
| Memoranda: | ||
| Average total assets | $560,456,670 | 1,201 |
| Average earning assets | $526,303,000 | 1,166 |
| Average equity | $78,825,670 | 884 |
| Average total loans | $267,353,670 | 1,558 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3527% | 4,511 |
| Cost of funding earning assets | 1.0811% | 1,491 |
| Net interest margin | 3.2716% | 5,566 |
| Noninterest income to average assets | 0.4719% | 4,131 |
| Noninterest expense to average assets | 1.7648% | 6,835 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7770% | 627 |
| Return on assets (ROA) | 1.7770% | 704 |
| Pretax return on assets | 1.7806% | 1,121 |
| Return on Equity (ROE) | 12.6134% | 1,508 |
| Retained earnings to average equity (ytd only) | 0.0255% | 5,967 |
| Net charge-offs to loans | 0.0315% | 4,243 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 118.0476% | 299 |
| Efficiency ratio | 49.7771% | 6,686 |
| Assets per employee ($millions) | 5.4191% | 1,767 |
| Cash dividends to net income (ytd only)* | 99.7979% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8664% | 6,617 |
| Loan loss allowance to noncurrent loans | 103.2273% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.9350% | 4,642 |
| Noncurrent loans to loans | 0.8393% | 4,996 |
| Net loans and leases to total assets | 47.2102% | 5,652 |
| Net loans and leases to deposits | 59.6644% | 5,193 |
| Net loans and leases to core deposits | 64.7453% | 5,037 |
| Total domestic deposits to total assets | 79.1262% | 6,046 |
| Equity capital to assets | 14.0680% | 1,004 |
| Core capital (leverage) ratio | 12.7071% | 1,238 |
| Tier 1 risk-based capital ratio | 22.8905% | 1,148 |
| Total risk-based capital ratio | 23.6427% | 1,201 |
| Memoranda: | ||
| Average total assets | $556,898,500 | 1,218 |
| Average earning assets | $523,168,000 | 1,169 |
| Average equity | $78,456,500 | 883 |
| Average total loans | $266,692,500 | 1,571 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8493% | 3,592 |
| Cost of funding earning assets | 1.2701% | 1,625 |
| Net interest margin | 3.5792% | 4,813 |
| Noninterest income to average assets | 0.4786% | 4,002 |
| Noninterest expense to average assets | 1.9146% | 6,807 |
| Loan and lease loss provision to assets | 0.0557% | 5,902 |
| Net operating income to assets | 1.8746% | 401 |
| Return on assets (ROA) | 1.8773% | 435 |
| Pretax return on assets | 1.8783% | 694 |
| Return on Equity (ROE) | 13.7174% | 1,012 |
| Retained earnings to average equity (ytd only) | 5.6106% | 2,237 |
| Net charge-offs to loans | 0.1620% | 4,849 |
| Credit loss provision to net charge-offs | 65.6455% | 5,003 |
| Earnings coverage of net charge-offs (x) | 22.7724% | 1,049 |
| Efficiency ratio | 49.7853% | 6,848 |
| Assets per employee ($millions) | 5.2917% | 1,838 |
| Cash dividends to net income (ytd only)* | 59.0985% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8686% | 6,608 |
| Loan loss allowance to noncurrent loans | 72.0174% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 1.0649% | 4,486 |
| Noncurrent loans to loans | 1.2060% | 4,362 |
| Net loans and leases to total assets | 47.7380% | 5,853 |
| Net loans and leases to deposits | 59.9494% | 5,486 |
| Net loans and leases to core deposits | 64.6842% | 5,399 |
| Total domestic deposits to total assets | 79.6305% | 5,838 |
| Equity capital to assets | 14.1083% | 1,026 |
| Core capital (leverage) ratio | 12.5960% | 1,310 |
| Tier 1 risk-based capital ratio | 22.9523% | 1,107 |
| Total risk-based capital ratio | 23.7131% | 1,143 |
| Memoranda: | ||
| Average total assets | $538,899,600 | 1,232 |
| Average earning assets | $506,983,600 | 1,194 |
| Average equity | $73,752,800 | 916 |
| Average total loans | $282,052,600 | 1,509 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9386% | 3,390 |
| Cost of funding earning assets | 1.3077% | 1,657 |
| Net interest margin | 3.6309% | 4,652 |
| Noninterest income to average assets | 0.4628% | 4,197 |
| Noninterest expense to average assets | 1.8507% | 6,919 |
| Loan and lease loss provision to assets | 0.0748% | 5,517 |
| Net operating income to assets | 1.9549% | 373 |
| Return on assets (ROA) | 1.9711% | 393 |
| Pretax return on assets | 1.9723% | 661 |
| Return on Equity (ROE) | 14.5188% | 941 |
| Retained earnings to average equity (ytd only) | 6.6946% | 2,137 |
| Net charge-offs to loans | 0.1330% | 4,723 |
| Credit loss provision to net charge-offs | 105.2632% | 3,157 |
| Earnings coverage of net charge-offs (x) | 28.5790% | 962 |
| Efficiency ratio | 47.6778% | 6,979 |
| Assets per employee ($millions) | 5.4154% | 1,687 |
| Cash dividends to net income (ytd only)* | 53.8899% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8906% | 6,628 |
| Loan loss allowance to noncurrent loans | 66.6845% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 1.1900% | 4,407 |
| Noncurrent loans to loans | 1.3356% | 4,297 |
| Net loans and leases to total assets | 50.2852% | 5,676 |
| Net loans and leases to deposits | 64.6225% | 5,097 |
| Net loans and leases to core deposits | 69.6133% | 4,994 |
| Total domestic deposits to total assets | 77.8138% | 6,224 |
| Equity capital to assets | 14.0072% | 1,153 |
| Core capital (leverage) ratio | 12.9100% | 1,260 |
| Tier 1 risk-based capital ratio | 22.6502% | 1,194 |
| Total risk-based capital ratio | 23.4624% | 1,230 |
| Memoranda: | ||
| Average total assets | $534,717,250 | 1,246 |
| Average earning assets | $503,475,250 | 1,203 |
| Average equity | $72,593,500 | 935 |
| Average total loans | $285,673,250 | 1,509 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9880% | 3,212 |
| Cost of funding earning assets | 1.3473% | 1,664 |
| Net interest margin | 3.6407% | 4,562 |
| Noninterest income to average assets | 0.4591% | 4,204 |
| Noninterest expense to average assets | 1.9182% | 6,923 |
| Loan and lease loss provision to assets | 0.1135% | 4,875 |
| Net operating income to assets | 1.8512% | 443 |
| Return on assets (ROA) | 1.8512% | 471 |
| Pretax return on assets | 1.8531% | 781 |
| Return on Equity (ROE) | 13.7885% | 1,018 |
| Retained earnings to average equity (ytd only) | 4.6619% | 3,216 |
| Net charge-offs to loans | 0.1162% | 4,544 |
| Credit loss provision to net charge-offs | 179.6407% | 1,683 |
| Earnings coverage of net charge-offs (x) | 31.1377% | 893 |
| Efficiency ratio | 49.3769% | 6,980 |
| Assets per employee ($millions) | 5.1521% | 1,932 |
| Cash dividends to net income (ytd only)* | 66.1900% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8997% | 6,660 |
| Loan loss allowance to noncurrent loans | 77.3831% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 1.1131% | 4,669 |
| Noncurrent loans to loans | 1.1626% | 4,712 |
| Net loans and leases to total assets | 54.2579% | 5,258 |
| Net loans and leases to deposits | 70.0009% | 4,436 |
| Net loans and leases to core deposits | 75.4332% | 4,386 |
| Total domestic deposits to total assets | 77.5103% | 6,372 |
| Equity capital to assets | 13.8808% | 1,141 |
| Core capital (leverage) ratio | 12.7537% | 1,268 |
| Tier 1 risk-based capital ratio | 21.3319% | 1,357 |
| Total risk-based capital ratio | 22.1572% | 1,420 |
| Memoranda: | ||
| Average total assets | $528,834,000 | 1,267 |
| Average earning assets | $497,592,670 | 1,224 |
| Average equity | $71,001,000 | 958 |
| Average total loans | $287,479,330 | 1,512 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9654% | 3,266 |
| Cost of funding earning assets | 1.3761% | 1,737 |
| Net interest margin | 3.5893% | 4,617 |
| Noninterest income to average assets | 0.4584% | 4,204 |
| Noninterest expense to average assets | 1.8298% | 7,099 |
| Loan and lease loss provision to assets | 0.1137% | 4,596 |
| Net operating income to assets | 1.8867% | 414 |
| Return on assets (ROA) | 1.8867% | 439 |
| Pretax return on assets | 1.8905% | 694 |
| Return on Equity (ROE) | 14.2958% | 935 |
| Retained earnings to average equity (ytd only) | 1.8946% | 4,989 |
| Net charge-offs to loans | 0.1427% | 3,645 |
| Credit loss provision to net charge-offs | 147.0588% | 1,934 |
| Earnings coverage of net charge-offs (x) | 25.9314% | 946 |
| Efficiency ratio | 47.7273% | 7,126 |
| Assets per employee ($millions) | 5.1165% | 2,003 |
| Cash dividends to net income (ytd only)* | 86.7470% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8998% | 6,699 |
| Loan loss allowance to noncurrent loans | 63.6226% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 1.2588% | 4,432 |
| Noncurrent loans to loans | 1.4142% | 4,350 |
| Net loans and leases to total assets | 52.8553% | 5,475 |
| Net loans and leases to deposits | 67.3966% | 4,766 |
| Net loans and leases to core deposits | 72.8400% | 4,668 |
| Total domestic deposits to total assets | 78.4243% | 6,313 |
| Equity capital to assets | 13.3157% | 1,256 |
| Core capital (leverage) ratio | 12.5612% | 1,297 |
| Tier 1 risk-based capital ratio | 21.2219% | 1,361 |
| Total risk-based capital ratio | 22.0302% | 1,415 |
| Memoranda: | ||
| Average total assets | $527,916,500 | 1,284 |
| Average earning assets | $496,477,000 | 1,239 |
| Average equity | $69,671,000 | 966 |
| Average total loans | $285,947,000 | 1,535 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2533% | 3,345 |
| Cost of funding earning assets | 1.6823% | 1,675 |
| Net interest margin | 3.5710% | 4,959 |
| Noninterest income to average assets | 0.6770% | 2,983 |
| Noninterest expense to average assets | 1.9929% | 7,035 |
| Loan and lease loss provision to assets | 0.2135% | 5,123 |
| Net operating income to assets | 1.8226% | 392 |
| Return on assets (ROA) | 1.7790% | 479 |
| Pretax return on assets | 1.7799% | 800 |
| Return on Equity (ROE) | 13.7935% | 928 |
| Retained earnings to average equity (ytd only) | 6.6092% | 1,501 |
| Net charge-offs to loans | 0.3827% | 4,129 |
| Credit loss provision to net charge-offs | 99.9108% | 4,632 |
| Earnings coverage of net charge-offs (x) | 9.5317% | 1,810 |
| Efficiency ratio | 49.4512% | 7,171 |
| Assets per employee ($millions) | 4.9890% | 2,167 |
| Cash dividends to net income (ytd only)* | 52.0844% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8531% | 6,845 |
| Loan loss allowance to noncurrent loans | 72.0174% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 1.1612% | 4,689 |
| Noncurrent loans to loans | 1.1846% | 4,739 |
| Net loans and leases to total assets | 54.5232% | 5,567 |
| Net loans and leases to deposits | 68.7739% | 4,990 |
| Net loans and leases to core deposits | 74.5852% | 4,902 |
| Total domestic deposits to total assets | 79.2789% | 6,017 |
| Equity capital to assets | 13.0794% | 1,356 |
| Core capital (leverage) ratio | 12.1883% | 1,437 |
| Tier 1 risk-based capital ratio | 20.6186% | 1,379 |
| Total risk-based capital ratio | 21.3911% | 1,428 |
| Memoranda: | ||
| Average total assets | $524,512,000 | 1,273 |
| Average earning assets | $492,493,600 | 1,251 |
| Average equity | $67,648,000 | 992 |
| Average total loans | $292,955,200 | 1,530 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2760% | 3,466 |
| Cost of funding earning assets | 1.7322% | 1,711 |
| Net interest margin | 3.5438% | 5,127 |
| Noninterest income to average assets | 0.6763% | 2,971 |
| Noninterest expense to average assets | 1.9598% | 7,118 |
| Loan and lease loss provision to assets | 0.0917% | 6,121 |
| Net operating income to assets | 1.9509% | 368 |
| Return on assets (ROA) | 1.9119% | 436 |
| Pretax return on assets | 1.9132% | 749 |
| Return on Equity (ROE) | 14.8774% | 883 |
| Retained earnings to average equity (ytd only) | 7.1771% | 1,768 |
| Net charge-offs to loans | 0.1522% | 5,088 |
| Credit loss provision to net charge-offs | 107.4627% | 3,970 |
| Earnings coverage of net charge-offs (x) | 23.9520% | 1,044 |
| Efficiency ratio | 48.9502% | 7,214 |
| Assets per employee ($millions) | 5.1913% | 1,947 |
| Cash dividends to net income (ytd only)* | 51.7586% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8532% | 6,881 |
| Loan loss allowance to noncurrent loans | 54.1235% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 1.3679% | 4,437 |
| Noncurrent loans to loans | 1.5764% | 4,275 |
| Net loans and leases to total assets | 54.4822% | 5,779 |
| Net loans and leases to deposits | 69.6351% | 5,201 |
| Net loans and leases to core deposits | 75.2397% | 5,151 |
| Total domestic deposits to total assets | 78.2395% | 6,211 |
| Equity capital to assets | 13.3660% | 1,407 |
| Core capital (leverage) ratio | 12.3197% | 1,492 |
| Tier 1 risk-based capital ratio | 20.2703% | 1,491 |
| Total risk-based capital ratio | 21.0488% | 1,555 |
| Memoranda: | ||
| Average total assets | $523,432,000 | 1,287 |
| Average earning assets | $491,473,250 | 1,265 |
| Average equity | $67,268,000 | 995 |
| Average total loans | $293,489,750 | 1,542 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2700% | 3,604 |
| Cost of funding earning assets | 1.7885% | 1,690 |
| Net interest margin | 3.4815% | 5,318 |
| Noninterest income to average assets | 0.6689% | 2,904 |
| Noninterest expense to average assets | 2.0097% | 7,093 |
| Loan and lease loss provision to assets | 0.0924% | 5,994 |
| Net operating income to assets | 1.8342% | 456 |
| Return on assets (ROA) | 1.7957% | 533 |
| Pretax return on assets | 1.7977% | 891 |
| Return on Equity (ROE) | 14.1678% | 1,007 |
| Retained earnings to average equity (ytd only) | 5.3319% | 2,706 |
| Net charge-offs to loans | 0.1316% | 4,893 |
| Credit loss provision to net charge-offs | 124.3523% | 3,253 |
| Earnings coverage of net charge-offs (x) | 25.9637% | 1,018 |
| Efficiency ratio | 51.0310% | 7,145 |
| Assets per employee ($millions) | 4.8799% | 2,325 |
| Cash dividends to net income (ytd only)* | 62.3661% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8473% | 6,916 |
| Loan loss allowance to noncurrent loans | 65.0296% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 1.2585% | 4,632 |
| Noncurrent loans to loans | 1.3029% | 4,773 |
| Net loans and leases to total assets | 56.6798% | 5,599 |
| Net loans and leases to deposits | 72.0661% | 4,980 |
| Net loans and leases to core deposits | 79.5192% | 4,738 |
| Total domestic deposits to total assets | 78.6498% | 6,124 |
| Equity capital to assets | 13.0647% | 1,546 |
| Core capital (leverage) ratio | 12.1038% | 1,587 |
| Tier 1 risk-based capital ratio | 19.7480% | 1,555 |
| Total risk-based capital ratio | 20.5321% | 1,622 |
| Memoranda: | ||
| Average total assets | $519,673,670 | 1,301 |
| Average earning assets | $488,006,670 | 1,277 |
| Average equity | $65,867,670 | 1,010 |
| Average total loans | $293,377,330 | 1,557 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1862% | 4,100 |
| Cost of funding earning assets | 1.8319% | 1,739 |
| Net interest margin | 3.3543% | 5,768 |
| Noninterest income to average assets | 0.5069% | 3,993 |
| Noninterest expense to average assets | 1.9019% | 7,326 |
| Loan and lease loss provision to assets | 0.0926% | 5,708 |
| Net operating income to assets | 1.6604% | 670 |
| Return on assets (ROA) | 1.5948% | 813 |
| Pretax return on assets | 1.5987% | 1,267 |
| Return on Equity (ROE) | 12.7804% | 1,303 |
| Retained earnings to average equity (ytd only) | 0.8162% | 5,492 |
| Net charge-offs to loans | 0.1197% | 4,260 |
| Credit loss provision to net charge-offs | 137.9310% | 2,566 |
| Earnings coverage of net charge-offs (x) | 26.1724% | 966 |
| Efficiency ratio | 51.9823% | 7,159 |
| Assets per employee ($millions) | 5.0861% | 2,115 |
| Cash dividends to net income (ytd only)* | 93.6139% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8573% | 6,970 |
| Loan loss allowance to noncurrent loans | 56.2011% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 1.4330% | 4,358 |
| Noncurrent loans to loans | 1.5254% | 4,462 |
| Net loans and leases to total assets | 56.0650% | 5,732 |
| Net loans and leases to deposits | 70.2495% | 5,307 |
| Net loans and leases to core deposits | 78.0627% | 5,013 |
| Total domestic deposits to total assets | 79.8084% | 5,852 |
| Equity capital to assets | 12.5619% | 1,718 |
| Core capital (leverage) ratio | 11.9324% | 1,676 |
| Tier 1 risk-based capital ratio | 19.4301% | 1,630 |
| Total risk-based capital ratio | 20.2176% | 1,694 |
| Memoranda: | ||
| Average total assets | $518,436,000 | 1,345 |
| Average earning assets | $487,143,000 | 1,308 |
| Average equity | $64,693,000 | 1,032 |
| Average total loans | $290,825,000 | 1,618 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5382% | 3,938 |
| Cost of funding earning assets | 2.1597% | 2,191 |
| Net interest margin | 3.3786% | 5,451 |
| Noninterest income to average assets | 0.7644% | 2,590 |
| Noninterest expense to average assets | 2.0456% | 7,287 |
| Loan and lease loss provision to assets | 0.0985% | 6,635 |
| Net operating income to assets | 1.7895% | 365 |
| Return on assets (ROA) | 1.7610% | 412 |
| Pretax return on assets | 1.7620% | 686 |
| Return on Equity (ROE) | 14.2961% | 736 |
| Retained earnings to average equity (ytd only) | 6.6083% | 1,119 |
| Net charge-offs to loans | 0.1444% | 5,794 |
| Credit loss provision to net charge-offs | 116.2228% | 4,672 |
| Earnings coverage of net charge-offs (x) | 22.2906% | 966 |
| Efficiency ratio | 51.9896% | 7,384 |
| Assets per employee ($millions) | 4.9816% | 2,242 |
| Cash dividends to net income (ytd only)* | 53.7753% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8610% | 6,952 |
| Loan loss allowance to noncurrent loans | 40.3380% | 5,721 |
| Noncurrent assets plus other real estate owned to assets | 1.4067% | 4,307 |
| Noncurrent loans to loans | 2.1344% | 3,475 |
| Net loans and leases to total assets | 55.1637% | 6,063 |
| Net loans and leases to deposits | 68.1985% | 5,800 |
| Net loans and leases to core deposits | 90.1545% | 5,112 |
| Total domestic deposits to total assets | 80.8870% | 5,380 |
| Equity capital to assets | 12.3950% | 1,795 |
| Core capital (leverage) ratio | 11.9648% | 1,678 |
| Tier 1 risk-based capital ratio | 19.7383% | 1,506 |
| Total risk-based capital ratio | 20.5285% | 1,560 |
| Memoranda: | ||
| Average total assets | $487,338,200 | 1,421 |
| Average earning assets | $457,292,600 | 1,375 |
| Average equity | $60,030,200 | 1,106 |
| Average total loans | $285,940,800 | 1,676 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6000% | 3,863 |
| Cost of funding earning assets | 2.2244% | 2,293 |
| Net interest margin | 3.3756% | 5,362 |
| Noninterest income to average assets | 0.8325% | 2,278 |
| Noninterest expense to average assets | 2.1054% | 7,182 |
| Loan and lease loss provision to assets | 0.1001% | 6,365 |
| Net operating income to assets | 1.7924% | 453 |
| Return on assets (ROA) | 1.7696% | 506 |
| Pretax return on assets | 1.7710% | 851 |
| Return on Equity (ROE) | 14.3901% | 861 |
| Retained earnings to average equity (ytd only) | 6.1304% | 1,888 |
| Net charge-offs to loans | 0.1028% | 5,646 |
| Credit loss provision to net charge-offs | 163.6364% | 2,876 |
| Earnings coverage of net charge-offs (x) | 30.9677% | 915 |
| Efficiency ratio | 52.6447% | 7,361 |
| Assets per employee ($millions) | 4.9424% | 2,213 |
| Cash dividends to net income (ytd only)* | 57.3987% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8942% | 6,780 |
| Loan loss allowance to noncurrent loans | 39.3016% | 5,738 |
| Noncurrent assets plus other real estate owned to assets | 1.4560% | 4,199 |
| Noncurrent loans to loans | 2.2751% | 3,298 |
| Net loans and leases to total assets | 55.0944% | 6,256 |
| Net loans and leases to deposits | 67.8403% | 6,139 |
| Net loans and leases to core deposits | 88.4767% | 5,600 |
| Total domestic deposits to total assets | 81.2118% | 4,993 |
| Equity capital to assets | 12.1731% | 2,143 |
| Core capital (leverage) ratio | 12.1823% | 1,716 |
| Tier 1 risk-based capital ratio | 19.7013% | 1,617 |
| Total risk-based capital ratio | 20.5306% | 1,656 |
| Memoranda: | ||
| Average total assets | $479,651,000 | 1,460 |
| Average earning assets | $449,965,250 | 1,423 |
| Average equity | $58,983,500 | 1,139 |
| Average total loans | $285,356,500 | 1,699 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6945% | 3,572 |
| Cost of funding earning assets | 2.2887% | 2,396 |
| Net interest margin | 3.4058% | 5,140 |
| Noninterest income to average assets | 0.5071% | 4,386 |
| Noninterest expense to average assets | 2.1380% | 7,193 |
| Loan and lease loss provision to assets | 0.1025% | 6,147 |
| Net operating income to assets | 1.4579% | 922 |
| Return on assets (ROA) | 1.4656% | 966 |
| Pretax return on assets | 1.4678% | 1,537 |
| Return on Equity (ROE) | 11.8745% | 1,455 |
| Retained earnings to average equity (ytd only) | 2.8068% | 3,759 |
| Net charge-offs to loans | 0.0989% | 5,176 |
| Credit loss provision to net charge-offs | 170.2128% | 2,703 |
| Earnings coverage of net charge-offs (x) | 25.9433% | 1,104 |
| Efficiency ratio | 57.7744% | 6,893 |
| Assets per employee ($millions) | 4.4883% | 2,792 |
| Cash dividends to net income (ytd only)* | 76.3626% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 6,916 |
| Loan loss allowance to noncurrent loans | 36.9597% | 5,944 |
| Noncurrent assets plus other real estate owned to assets | 1.5790% | 3,851 |
| Noncurrent loans to loans | 2.3450% | 3,086 |
| Net loans and leases to total assets | 59.3206% | 5,789 |
| Net loans and leases to deposits | 74.2419% | 5,418 |
| Net loans and leases to core deposits | 97.9100% | 4,708 |
| Total domestic deposits to total assets | 79.9018% | 5,507 |
| Equity capital to assets | 12.1921% | 2,097 |
| Core capital (leverage) ratio | 12.1965% | 1,751 |
| Tier 1 risk-based capital ratio | 19.1964% | 1,743 |
| Total risk-based capital ratio | 20.0164% | 1,781 |
| Memoranda: | ||
| Average total assets | $468,198,330 | 1,518 |
| Average earning assets | $439,021,330 | 1,471 |
| Average equity | $57,787,670 | 1,170 |
| Average total loans | $285,227,000 | 1,731 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7141% | 3,724 |
| Cost of funding earning assets | 2.3111% | 2,650 |
| Net interest margin | 3.4030% | 5,128 |
| Noninterest income to average assets | 0.4844% | 4,463 |
| Noninterest expense to average assets | 2.1699% | 6,945 |
| Loan and lease loss provision to assets | 0.1044% | 5,634 |
| Net operating income to assets | 1.3933% | 1,155 |
| Return on assets (ROA) | 1.4089% | 1,206 |
| Pretax return on assets | 1.4133% | 1,928 |
| Return on Equity (ROE) | 11.3423% | 1,866 |
| Retained earnings to average equity (ytd only) | -0.2801% | 5,712 |
| Net charge-offs to loans | 0.0198% | 5,288 |
| Credit loss provision to net charge-offs | 857.1429% | 708 |
| Earnings coverage of net charge-offs (x) | 123.3571% | 353 |
| Efficiency ratio | 59.0952% | 6,541 |
| Assets per employee ($millions) | 4.6157% | 2,545 |
| Cash dividends to net income (ytd only)* | 102.4691% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8922% | 6,786 |
| Loan loss allowance to noncurrent loans | 57.0879% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 1.1336% | 4,408 |
| Noncurrent loans to loans | 1.5628% | 3,939 |
| Net loans and leases to total assets | 59.4822% | 5,736 |
| Net loans and leases to deposits | 73.3284% | 5,567 |
| Net loans and leases to core deposits | 96.1944% | 4,948 |
| Total domestic deposits to total assets | 81.1176% | 4,916 |
| Equity capital to assets | 12.2083% | 2,133 |
| Core capital (leverage) ratio | 12.7780% | 1,567 |
| Tier 1 risk-based capital ratio | 19.5118% | 1,718 |
| Total risk-based capital ratio | 20.3581% | 1,753 |
| Memoranda: | ||
| Average total assets | $459,928,000 | 1,550 |
| Average earning assets | $430,791,000 | 1,509 |
| Average equity | $57,131,500 | 1,187 |
| Average total loans | $282,808,500 | 1,760 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2985% | 3,969 |
| Cost of funding earning assets | 2.8028% | 2,697 |
| Net interest margin | 3.4957% | 5,308 |
| Noninterest income to average assets | 0.4606% | 4,963 |
| Noninterest expense to average assets | 2.1194% | 7,191 |
| Loan and lease loss provision to assets | 0.1222% | 5,795 |
| Net operating income to assets | 1.4710% | 1,073 |
| Return on assets (ROA) | 1.4865% | 1,010 |
| Pretax return on assets | 1.4876% | 1,718 |
| Return on Equity (ROE) | 11.9044% | 1,625 |
| Retained earnings to average equity (ytd only) | 4.1123% | 2,572 |
| Net charge-offs to loans | 0.1189% | 5,072 |
| Credit loss provision to net charge-offs | 169.7819% | 3,022 |
| Earnings coverage of net charge-offs (x) | 22.1589% | 1,488 |
| Efficiency ratio | 57.0704% | 6,859 |
| Assets per employee ($millions) | 4.3178% | 2,924 |
| Cash dividends to net income (ytd only)* | 65.4554% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8532% | 6,889 |
| Loan loss allowance to noncurrent loans | 61.5443% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 1.0959% | 4,093 |
| Noncurrent loans to loans | 1.3863% | 3,744 |
| Net loans and leases to total assets | 62.4953% | 5,537 |
| Net loans and leases to deposits | 78.6257% | 5,253 |
| Net loans and leases to core deposits | 100.4744% | 4,780 |
| Total domestic deposits to total assets | 79.4846% | 5,208 |
| Equity capital to assets | 12.6457% | 1,945 |
| Core capital (leverage) ratio | 12.9396% | 1,564 |
| Tier 1 risk-based capital ratio | 19.8186% | 1,650 |
| Total risk-based capital ratio | 20.6413% | 1,695 |
| Memoranda: | ||
| Average total assets | $446,155,800 | 1,538 |
| Average earning assets | $415,194,800 | 1,507 |
| Average equity | $55,710,600 | 1,207 |
| Average total loans | $269,908,000 | 1,773 |