Home > The First National Bank of Hutchinson > Performance and Condition Ratios
The First National Bank of Hutchinson, 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 | 5.0800% | 1,899 |
| Cost of funding earning assets | 1.9581% | 984 |
| Net interest margin | 3.1220% | 3,047 |
| Noninterest income to average assets | 1.3500% | 445 |
| Noninterest expense to average assets | 2.8829% | 1,306 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.0181% | 2,158 |
| Return on assets (ROA) | 1.0191% | 2,137 |
| Pretax return on assets | 1.2891% | 1,899 |
| Return on Equity (ROE) | 10.9400% | 2,242 |
| Retained earnings to average equity (ytd only) | 7.7270% | 1,616 |
| Net charge-offs to loans | -0.0064% | 3,888 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.6090% | 2,153 |
| Assets per employee ($millions) | 6.3627% | 2,507 |
| Cash dividends to net income (ytd only)* | 29.3517% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 2,186 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 75.1500% | 1,219 |
| Net loans and leases to deposits | 87.3480% | 1,496 |
| Net loans and leases to core deposits | 113.3440% | 834 |
| Total domestic deposits to total assets | 86.0300% | 2,005 |
| Equity capital to assets | 9.1724% | 2,564 |
| Core capital (leverage) ratio | 11.1266% | 1,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8462% | 1,919 |
| Memoranda: | ||
| Average total assets | $1,018,680,000 | 969 |
| Average earning assets | $951,763,000 | 950 |
| Average equity | $94,914,000 | 982 |
| Average total loans | $786,243,000 | 874 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0319% | 1,767 |
| Cost of funding earning assets | 1.8487% | 931 |
| Net interest margin | 3.1832% | 2,954 |
| Noninterest income to average assets | 1.3400% | 448 |
| Noninterest expense to average assets | 2.9431% | 1,151 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.0290% | 2,278 |
| Return on assets (ROA) | 1.0300% | 2,264 |
| Pretax return on assets | 1.2680% | 2,124 |
| Return on Equity (ROE) | 11.0100% | 2,373 |
| Retained earnings to average equity (ytd only) | 9.3933% | 1,577 |
| Net charge-offs to loans | -0.0062% | 3,805 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.3359% | 1,983 |
| Assets per employee ($millions) | 5.8834% | 2,849 |
| Cash dividends to net income (ytd only)* | 14.6642% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2310% | 2,210 |
| Loan loss allowance to noncurrent loans | 5,806.4706% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 3,633 |
| Noncurrent loans to loans | 0.0212% | 3,612 |
| Net loans and leases to total assets | 76.9200% | 1,005 |
| Net loans and leases to deposits | 89.8623% | 1,247 |
| Net loans and leases to core deposits | 99.1820% | 1,365 |
| Total domestic deposits to total assets | 85.6000% | 2,318 |
| Equity capital to assets | 8.9861% | 2,428 |
| Core capital (leverage) ratio | 11.5427% | 1,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0208% | 1,889 |
| Memoranda: | ||
| Average total assets | $996,571,250 | 990 |
| Average earning assets | $929,430,750 | 972 |
| Average equity | $93,255,250 | 995 |
| Average total loans | $772,252,750 | 886 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9631% | 1,624 |
| Cost of funding earning assets | 1.7245% | 853 |
| Net interest margin | 3.2386% | 2,888 |
| Noninterest income to average assets | 1.3200% | 378 |
| Noninterest expense to average assets | 2.9741% | 1,082 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.0160% | 2,376 |
| Return on assets (ROA) | 1.0173% | 2,360 |
| Pretax return on assets | 1.2651% | 2,176 |
| Return on Equity (ROE) | 10.7200% | 2,498 |
| Retained earnings to average equity (ytd only) | 9.3947% | 1,576 |
| Net charge-offs to loans | -0.0150% | 4,044 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.5436% | 1,918 |
| Assets per employee ($millions) | 5.4134% | 3,224 |
| Cash dividends to net income (ytd only)* | 12.3878% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 2,356 |
| Loan loss allowance to noncurrent loans | 5,253.8043% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 3,650 |
| Noncurrent loans to loans | 0.0232% | 3,594 |
| Net loans and leases to total assets | 76.9700% | 951 |
| Net loans and leases to deposits | 90.4573% | 1,149 |
| Net loans and leases to core deposits | 99.1310% | 1,281 |
| Total domestic deposits to total assets | 85.0900% | 2,520 |
| Equity capital to assets | 9.4176% | 2,223 |
| Core capital (leverage) ratio | 11.3935% | 1,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7200% | 2,016 |
| Memoranda: | ||
| Average total assets | $985,561,667 | 988 |
| Average earning assets | $918,868,000 | 971 |
| Average equity | $93,500,000 | 990 |
| Average total loans | $762,376,667 | 883 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8455% | 1,514 |
| Cost of funding earning assets | 1.5414% | 780 |
| Net interest margin | 3.3042% | 2,866 |
| Noninterest income to average assets | 1.4700% | 338 |
| Noninterest expense to average assets | 3.0173% | 1,031 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.1333% | 2,116 |
| Return on assets (ROA) | 1.1346% | 2,080 |
| Pretax return on assets | 1.4156% | 1,851 |
| Return on Equity (ROE) | 11.9100% | 2,242 |
| Retained earnings to average equity (ytd only) | 10.4454% | 1,590 |
| Net charge-offs to loans | -0.0402% | 4,308 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.3913% | 2,167 |
| Assets per employee ($millions) | 5.6162% | 3,103 |
| Cash dividends to net income (ytd only)* | 12.3273% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2327% | 2,373 |
| Loan loss allowance to noncurrent loans | 28,893.9394% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 3,877 |
| Noncurrent loans to loans | 0.0043% | 3,822 |
| Net loans and leases to total assets | 76.8500% | 890 |
| Net loans and leases to deposits | 92.8590% | 861 |
| Net loans and leases to core deposits | 96.0640% | 1,281 |
| Total domestic deposits to total assets | 82.7600% | 3,342 |
| Equity capital to assets | 9.4700% | 2,168 |
| Core capital (leverage) ratio | 11.6417% | 1,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6450% | 2,117 |
| Memoranda: | ||
| Average total assets | $969,480,500 | 1,019 |
| Average earning assets | $903,347,000 | 1,007 |
| Average equity | $92,327,500 | 1,011 |
| Average total loans | $747,050,000 | 914 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0406% | 1,614 |
| Cost of funding earning assets | 0.4848% | 1,497 |
| Net interest margin | 3.5558% | 1,767 |
| Noninterest income to average assets | 1.3300% | 392 |
| Noninterest expense to average assets | 2.8838% | 1,150 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.2966% | 1,443 |
| Return on assets (ROA) | 1.3392% | 1,273 |
| Pretax return on assets | 1.6828% | 961 |
| Return on Equity (ROE) | 13.5700% | 1,636 |
| Retained earnings to average equity (ytd only) | 10.1994% | 1,098 |
| Net charge-offs to loans | -0.1322% | 4,572 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.0537% | 2,757 |
| Assets per employee ($millions) | 5.3384% | 3,377 |
| Cash dividends to net income (ytd only)* | 24.8200% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4140% | 1,457 |
| Loan loss allowance to noncurrent loans | 113,211.1111% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 3,949 |
| Noncurrent loans to loans | 0.0012% | 3,891 |
| Net loans and leases to total assets | 75.1800% | 1,108 |
| Net loans and leases to deposits | 86.4652% | 1,280 |
| Net loans and leases to core deposits | 88.1803% | 1,597 |
| Total domestic deposits to total assets | 86.9500% | 2,405 |
| Equity capital to assets | 9.5795% | 1,944 |
| Core capital (leverage) ratio | 11.8527% | 1,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2197% | 1,885 |
| Memoranda: | ||
| Average total assets | $933,544,200 | 1,042 |
| Average earning assets | $871,556,600 | 1,024 |
| Average equity | $92,152,200 | 1,004 |
| Average total loans | $673,337,800 | 938 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8617% | 1,577 |
| Cost of funding earning assets | 0.2654% | 2,539 |
| Net interest margin | 3.5963% | 1,398 |
| Noninterest income to average assets | 1.2200% | 496 |
| Noninterest expense to average assets | 2.8087% | 1,232 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.3236% | 1,283 |
| Return on assets (ROA) | 1.3821% | 1,107 |
| Pretax return on assets | 1.7212% | 864 |
| Return on Equity (ROE) | 13.9000% | 1,456 |
| Retained earnings to average equity (ytd only) | 12.1906% | 753 |
| Net charge-offs to loans | -0.1868% | 4,628 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.2975% | 2,933 |
| Assets per employee ($millions) | 5.2181% | 3,487 |
| Cash dividends to net income (ytd only)* | 12.2823% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4246% | 1,528 |
| Loan loss allowance to noncurrent loans | 51,842.1053% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 4,009 |
| Noncurrent loans to loans | 0.0027% | 3,947 |
| Net loans and leases to total assets | 74.2100% | 1,077 |
| Net loans and leases to deposits | 88.5719% | 994 |
| Net loans and leases to core deposits | 90.4876% | 1,268 |
| Total domestic deposits to total assets | 83.7900% | 3,545 |
| Equity capital to assets | 9.2202% | 2,060 |
| Core capital (leverage) ratio | 11.9477% | 1,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6753% | 1,822 |
| Memoranda: | ||
| Average total assets | $930,705,250 | 1,054 |
| Average earning assets | $869,609,500 | 1,039 |
| Average equity | $92,561,000 | 1,020 |
| Average total loans | $661,522,250 | 949 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6819% | 1,586 |
| Cost of funding earning assets | 0.1420% | 3,684 |
| Net interest margin | 3.5399% | 1,207 |
| Noninterest income to average assets | 1.2039% | 473 |
| Noninterest expense to average assets | 2.7800% | 1,208 |
| Loan and lease loss provision to assets | 0.1070% | 930 |
| Net operating income to assets | 1.3152% | 1,097 |
| Return on assets (ROA) | 1.3778% | 941 |
| Pretax return on assets | 1.7124% | 732 |
| Return on Equity (ROE) | 13.5309% | 1,233 |
| Retained earnings to average equity (ytd only) | 11.5160% | 696 |
| Net charge-offs to loans | -0.2990% | 4,645 |
| Credit loss provision to net charge-offs | -51.3347% | 3,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4897% | 3,112 |
| Assets per employee ($millions) | 5.3051% | 3,424 |
| Cash dividends to net income (ytd only)* | 14.8913% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4117% | 1,706 |
| Loan loss allowance to noncurrent loans | 12,867.5676% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 3,954 |
| Noncurrent loans to loans | 0.0110% | 3,902 |
| Net loans and leases to total assets | 71.2209% | 1,182 |
| Net loans and leases to deposits | 84.6190% | 1,077 |
| Net loans and leases to core deposits | 86.4114% | 1,313 |
| Total domestic deposits to total assets | 84.1666% | 3,657 |
| Equity capital to assets | 9.4868% | 2,026 |
| Core capital (leverage) ratio | 11.6489% | 1,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3276% | 1,930 |
| Memoranda: | ||
| Average total assets | $934,814,667 | 1,045 |
| Average earning assets | $876,021,000 | 1,039 |
| Average equity | $95,189,333 | 996 |
| Average total loans | $651,557,667 | 954 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5585% | 1,629 |
| Cost of funding earning assets | 0.1010% | 4,120 |
| Net interest margin | 3.4574% | 1,164 |
| Noninterest income to average assets | 1.1542% | 514 |
| Noninterest expense to average assets | 2.7326% | 1,287 |
| Loan and lease loss provision to assets | 0.1069% | 785 |
| Net operating income to assets | 1.2512% | 1,115 |
| Return on assets (ROA) | 1.2508% | 1,102 |
| Pretax return on assets | 1.5626% | 894 |
| Return on Equity (ROE) | 11.8788% | 1,355 |
| Retained earnings to average equity (ytd only) | 10.7335% | 840 |
| Net charge-offs to loans | -0.6180% | 4,720 |
| Credit loss provision to net charge-offs | -25.2781% | 2,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0690% | 3,250 |
| Assets per employee ($millions) | 5.1105% | 3,655 |
| Cash dividends to net income (ytd only)* | 9.6410% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4380% | 1,768 |
| Loan loss allowance to noncurrent loans | 2,967.0927% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 3,692 |
| Noncurrent loans to loans | 0.0485% | 3,629 |
| Net loans and leases to total assets | 70.7727% | 948 |
| Net loans and leases to deposits | 83.5356% | 916 |
| Net loans and leases to core deposits | 85.6552% | 1,152 |
| Total domestic deposits to total assets | 84.7216% | 3,607 |
| Equity capital to assets | 10.3964% | 1,632 |
| Core capital (leverage) ratio | 11.1520% | 1,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6609% | 1,931 |
| Memoranda: | ||
| Average total assets | $935,372,000 | 1,051 |
| Average earning assets | $878,800,500 | 1,040 |
| Average equity | $98,495,000 | 999 |
| Average total loans | $640,080,500 | 959 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5875% | 2,425 |
| Cost of funding earning assets | 0.1168% | 4,260 |
| Net interest margin | 3.4707% | 1,829 |
| Noninterest income to average assets | 1.3141% | 625 |
| Noninterest expense to average assets | 2.9572% | 1,053 |
| Loan and lease loss provision to assets | 0.2004% | 538 |
| Net operating income to assets | 1.2871% | 1,638 |
| Return on assets (ROA) | 1.3101% | 1,614 |
| Pretax return on assets | 1.4507% | 1,879 |
| Return on Equity (ROE) | 11.6266% | 1,939 |
| Retained earnings to average equity (ytd only) | 3.9824% | 3,227 |
| Net charge-offs to loans | 0.4499% | 185 |
| Credit loss provision to net charge-offs | 67.2687% | 2,028 |
| Earnings coverage of net charge-offs (x) | 5.4556% | 2,445 |
| Efficiency ratio | 64.5290% | 2,473 |
| Assets per employee ($millions) | 5.5187% | 3,243 |
| Cash dividends to net income (ytd only)* | 65.7473% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 2,511 |
| Loan loss allowance to noncurrent loans | 2,630.0654% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0315% | 3,805 |
| Noncurrent loans to loans | 0.0482% | 3,737 |
| Net loans and leases to total assets | 64.4770% | 1,653 |
| Net loans and leases to deposits | 74.9420% | 1,646 |
| Net loans and leases to core deposits | 78.1662% | 1,747 |
| Total domestic deposits to total assets | 86.0359% | 2,892 |
| Equity capital to assets | 10.6538% | 2,045 |
| Core capital (leverage) ratio | 11.1640% | 1,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1210% | 2,196 |
| Memoranda: | ||
| Average total assets | $910,510,000 | 1,038 |
| Average earning assets | $857,525,400 | 1,026 |
| Average equity | $102,600,600 | 994 |
| Average total loans | $603,038,800 | 1,007 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6962% | 2,285 |
| Cost of funding earning assets | 0.1224% | 4,330 |
| Net interest margin | 3.5738% | 1,665 |
| Noninterest income to average assets | 1.2407% | 750 |
| Noninterest expense to average assets | 2.9714% | 1,019 |
| Loan and lease loss provision to assets | 0.0678% | 1,648 |
| Net operating income to assets | 1.5343% | 1,184 |
| Return on assets (ROA) | 1.5321% | 1,236 |
| Pretax return on assets | 1.5650% | 1,809 |
| Return on Equity (ROE) | 13.3980% | 1,577 |
| Retained earnings to average equity (ytd only) | 4.9474% | 3,239 |
| Net charge-offs to loans | 0.0166% | 1,736 |
| Credit loss provision to net charge-offs | 614.8649% | 695 |
| Earnings coverage of net charge-offs (x) | 148.3649% | 681 |
| Efficiency ratio | 64.5060% | 2,316 |
| Assets per employee ($millions) | 5.0650% | 3,637 |
| Cash dividends to net income (ytd only)* | 63.0735% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5400% | 1,486 |
| Loan loss allowance to noncurrent loans | 2,181.9672% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 3,813 |
| Noncurrent loans to loans | 0.0706% | 3,740 |
| Net loans and leases to total assets | 67.5924% | 1,364 |
| Net loans and leases to deposits | 79.7876% | 1,311 |
| Net loans and leases to core deposits | 84.0252% | 1,428 |
| Total domestic deposits to total assets | 84.7154% | 3,213 |
| Equity capital to assets | 11.8030% | 1,489 |
| Core capital (leverage) ratio | 11.4250% | 1,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8364% | 2,034 |
| Memoranda: | ||
| Average total assets | $895,313,000 | 1,060 |
| Average earning assets | $843,179,250 | 1,052 |
| Average equity | $102,380,750 | 1,013 |
| Average total loans | $595,220,500 | 1,037 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6368% | 2,509 |
| Cost of funding earning assets | 0.1268% | 4,374 |
| Net interest margin | 3.5100% | 1,831 |
| Noninterest income to average assets | 1.1820% | 818 |
| Noninterest expense to average assets | 2.8874% | 1,167 |
| Loan and lease loss provision to assets | 0.0778% | 1,546 |
| Net operating income to assets | 1.4884% | 1,322 |
| Return on assets (ROA) | 1.4843% | 1,395 |
| Pretax return on assets | 1.5214% | 1,956 |
| Return on Equity (ROE) | 13.1174% | 1,668 |
| Retained earnings to average equity (ytd only) | 0.9270% | 4,360 |
| Net charge-offs to loans | 0.0044% | 1,994 |
| Credit loss provision to net charge-offs | 2,692.3077% | 225 |
| Earnings coverage of net charge-offs (x) | 555.0000% | 238 |
| Efficiency ratio | 64.2963% | 2,387 |
| Assets per employee ($millions) | 5.1455% | 3,514 |
| Cash dividends to net income (ytd only)* | 92.9331% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5293% | 1,494 |
| Loan loss allowance to noncurrent loans | 46,365.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 4,316 |
| Noncurrent loans to loans | 0.0033% | 4,247 |
| Net loans and leases to total assets | 67.4649% | 1,520 |
| Net loans and leases to deposits | 79.0584% | 1,513 |
| Net loans and leases to core deposits | 81.5016% | 1,760 |
| Total domestic deposits to total assets | 85.3355% | 2,972 |
| Equity capital to assets | 11.3939% | 1,705 |
| Core capital (leverage) ratio | 10.9800% | 1,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5488% | 2,145 |
| Memoranda: | ||
| Average total assets | $899,982,333 | 1,054 |
| Average earning assets | $848,386,667 | 1,037 |
| Average equity | $101,834,333 | 1,011 |
| Average total loans | $591,956,667 | 1,040 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3959% | 3,209 |
| Cost of funding earning assets | 0.1345% | 4,418 |
| Net interest margin | 3.2614% | 2,512 |
| Noninterest income to average assets | 1.1884% | 867 |
| Noninterest expense to average assets | 2.7567% | 1,475 |
| Loan and lease loss provision to assets | 0.0926% | 1,444 |
| Net operating income to assets | 1.3855% | 1,608 |
| Return on assets (ROA) | 1.3925% | 1,670 |
| Pretax return on assets | 1.4233% | 2,216 |
| Return on Equity (ROE) | 12.3480% | 1,888 |
| Retained earnings to average equity (ytd only) | 11.0229% | 1,397 |
| Net charge-offs to loans | -0.0219% | 4,036 |
| Credit loss provision to net charge-offs | -656.2500% | 3,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6275% | 2,393 |
| Assets per employee ($millions) | 5.4001% | 3,224 |
| Cash dividends to net income (ytd only)* | 10.7312% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5433% | 1,447 |
| Loan loss allowance to noncurrent loans | 12,237.3333% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 4,328 |
| Noncurrent loans to loans | 0.0126% | 4,245 |
| Net loans and leases to total assets | 63.7819% | 2,074 |
| Net loans and leases to deposits | 77.6424% | 1,749 |
| Net loans and leases to core deposits | 80.0218% | 2,003 |
| Total domestic deposits to total assets | 82.1482% | 3,865 |
| Equity capital to assets | 11.1446% | 1,758 |
| Core capital (leverage) ratio | 10.9978% | 1,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6171% | 1,698 |
| Memoranda: | ||
| Average total assets | $907,464,000 | 1,029 |
| Average earning assets | $856,209,500 | 1,018 |
| Average equity | $102,332,500 | 993 |
| Average total loans | $584,760,000 | 1,060 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6338% | 3,732 |
| Cost of funding earning assets | 0.3043% | 4,115 |
| Net interest margin | 3.3295% | 2,986 |
| Noninterest income to average assets | 1.3172% | 666 |
| Noninterest expense to average assets | 2.9606% | 1,526 |
| Loan and lease loss provision to assets | 0.3449% | 1,011 |
| Net operating income to assets | 0.9326% | 2,551 |
| Return on assets (ROA) | 1.0489% | 2,247 |
| Pretax return on assets | 1.2747% | 2,065 |
| Return on Equity (ROE) | 8.7359% | 2,504 |
| Retained earnings to average equity (ytd only) | 4.6795% | 2,431 |
| Net charge-offs to loans | 0.0188% | 2,696 |
| Credit loss provision to net charge-offs | 2,848.5149% | 343 |
| Earnings coverage of net charge-offs (x) | 122.0396% | 700 |
| Efficiency ratio | 66.7036% | 2,407 |
| Assets per employee ($millions) | 5.2451% | 3,099 |
| Cash dividends to net income (ytd only)* | 46.4335% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5546% | 1,413 |
| Loan loss allowance to noncurrent loans | 7,446.6667% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 4,346 |
| Noncurrent loans to loans | 0.0209% | 4,253 |
| Net loans and leases to total assets | 63.0918% | 2,477 |
| Net loans and leases to deposits | 74.4851% | 2,439 |
| Net loans and leases to core deposits | 76.7613% | 2,654 |
| Total domestic deposits to total assets | 84.7040% | 2,878 |
| Equity capital to assets | 11.4120% | 1,954 |
| Core capital (leverage) ratio | 11.0369% | 1,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3240% | 1,737 |
| Memoranda: | ||
| Average total assets | $834,049,000 | 1,022 |
| Average earning assets | $781,878,200 | 1,009 |
| Average equity | $100,138,800 | 958 |
| Average total loans | $536,218,600 | 1,081 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7711% | 3,641 |
| Cost of funding earning assets | 0.3486% | 4,063 |
| Net interest margin | 3.4225% | 2,843 |
| Noninterest income to average assets | 1.1806% | 762 |
| Noninterest expense to average assets | 2.9185% | 1,653 |
| Loan and lease loss provision to assets | 0.3506% | 1,079 |
| Net operating income to assets | 0.8987% | 2,714 |
| Return on assets (ROA) | 0.9991% | 2,472 |
| Pretax return on assets | 1.2412% | 2,264 |
| Return on Equity (ROE) | 8.2099% | 2,727 |
| Retained earnings to average equity (ytd only) | 7.0009% | 1,688 |
| Net charge-offs to loans | -0.0015% | 3,858 |
| Credit loss provision to net charge-offs | -35,866.6667% | 4,444 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5589% | 2,392 |
| Assets per employee ($millions) | 4.8901% | 3,386 |
| Cash dividends to net income (ytd only)* | 14.7260% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4933% | 1,400 |
| Loan loss allowance to noncurrent loans | 2,194.7230% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 4,227 |
| Noncurrent loans to loans | 0.0680% | 4,098 |
| Net loans and leases to total assets | 64.1167% | 2,757 |
| Net loans and leases to deposits | 79.4461% | 2,378 |
| Net loans and leases to core deposits | 81.3063% | 2,725 |
| Total domestic deposits to total assets | 80.7046% | 3,724 |
| Equity capital to assets | 11.9627% | 1,697 |
| Core capital (leverage) ratio | 11.3831% | 1,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3371% | 2,484 |
| Memoranda: | ||
| Average total assets | $818,331,750 | 1,027 |
| Average earning assets | $766,166,250 | 1,013 |
| Average equity | $99,584,500 | 961 |
| Average total loans | $526,568,750 | 1,085 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8823% | 3,667 |
| Cost of funding earning assets | 0.4171% | 3,961 |
| Net interest margin | 3.4652% | 2,902 |
| Noninterest income to average assets | 1.1831% | 710 |
| Noninterest expense to average assets | 2.9129% | 1,793 |
| Loan and lease loss provision to assets | 0.4782% | 773 |
| Net operating income to assets | 0.8255% | 2,957 |
| Return on assets (ROA) | 0.8721% | 2,919 |
| Pretax return on assets | 1.0895% | 2,741 |
| Return on Equity (ROE) | 7.1238% | 3,085 |
| Retained earnings to average equity (ytd only) | 5.8649% | 2,136 |
| Net charge-offs to loans | -0.0108% | 4,224 |
| Credit loss provision to net charge-offs | -6,882.1429% | 4,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8679% | 2,540 |
| Assets per employee ($millions) | 5.0941% | 3,071 |
| Cash dividends to net income (ytd only)* | 17.6722% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4763% | 1,342 |
| Loan loss allowance to noncurrent loans | 3,233.0677% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 4,407 |
| Noncurrent loans to loans | 0.0457% | 4,301 |
| Net loans and leases to total assets | 61.1003% | 3,204 |
| Net loans and leases to deposits | 76.4063% | 2,816 |
| Net loans and leases to core deposits | 78.1175% | 3,093 |
| Total domestic deposits to total assets | 79.9677% | 3,843 |
| Equity capital to assets | 11.3607% | 2,072 |
| Core capital (leverage) ratio | 11.4543% | 1,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7012% | 1,570 |
| Memoranda: | ||
| Average total assets | $805,855,000 | 1,026 |
| Average earning assets | $753,312,667 | 1,009 |
| Average equity | $98,655,333 | 958 |
| Average total loans | $516,423,667 | 1,089 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0192% | 3,738 |
| Cost of funding earning assets | 0.6151% | 3,362 |
| Net interest margin | 3.4041% | 3,285 |
| Noninterest income to average assets | 1.1176% | 691 |
| Noninterest expense to average assets | 3.0653% | 1,736 |
| Loan and lease loss provision to assets | 0.0726% | 2,824 |
| Net operating income to assets | 0.9552% | 2,334 |
| Return on assets (ROA) | 0.9556% | 2,434 |
| Pretax return on assets | 1.1463% | 2,375 |
| Return on Equity (ROE) | 7.4933% | 2,733 |
| Retained earnings to average equity (ytd only) | 6.3380% | 1,763 |
| Net charge-offs to loans | -0.0024% | 3,683 |
| Credit loss provision to net charge-offs | -4,633.3333% | 3,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5575% | 2,151 |
| Assets per employee ($millions) | 4.3280% | 3,501 |
| Cash dividends to net income (ytd only)* | 15.4183% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2392% | 2,457 |
| Loan loss allowance to noncurrent loans | 2,316.9118% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.5450% | 2,359 |
| Noncurrent loans to loans | 0.0535% | 4,339 |
| Net loans and leases to total assets | 67.0814% | 2,692 |
| Net loans and leases to deposits | 83.8703% | 2,254 |
| Net loans and leases to core deposits | 86.1271% | 2,669 |
| Total domestic deposits to total assets | 79.9822% | 3,870 |
| Equity capital to assets | 13.2416% | 1,322 |
| Core capital (leverage) ratio | 12.4571% | 1,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8904% | 1,374 |
| Memoranda: | ||
| Average total assets | $765,593,500 | 1,036 |
| Average earning assets | $712,075,500 | 1,022 |
| Average equity | $97,633,500 | 961 |
| Average total loans | $499,788,000 | 1,097 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2847% | 3,579 |
| Cost of funding earning assets | 0.7534% | 2,898 |
| Net interest margin | 3.5313% | 3,344 |
| Noninterest income to average assets | 1.3090% | 555 |
| Noninterest expense to average assets | 3.1782% | 1,573 |
| Loan and lease loss provision to assets | 0.0548% | 2,936 |
| Net operating income to assets | 1.1604% | 2,216 |
| Return on assets (ROA) | 1.2652% | 1,905 |
| Pretax return on assets | 1.4694% | 1,901 |
| Return on Equity (ROE) | 10.0193% | 2,289 |
| Retained earnings to average equity (ytd only) | 6.2459% | 1,745 |
| Net charge-offs to loans | 0.0472% | 2,444 |
| Credit loss provision to net charge-offs | 174.0260% | 1,491 |
| Earnings coverage of net charge-offs (x) | 44.5628% | 1,218 |
| Efficiency ratio | 69.3859% | 2,268 |
| Assets per employee ($millions) | 4.6026% | 3,082 |
| Cash dividends to net income (ytd only)* | 37.6615% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2546% | 2,146 |
| Loan loss allowance to noncurrent loans | 1,765.0430% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.5416% | 2,269 |
| Noncurrent loans to loans | 0.0711% | 4,251 |
| Net loans and leases to total assets | 61.9657% | 3,402 |
| Net loans and leases to deposits | 77.7117% | 3,037 |
| Net loans and leases to core deposits | 78.8110% | 3,387 |
| Total domestic deposits to total assets | 79.7379% | 4,031 |
| Equity capital to assets | 12.2848% | 1,956 |
| Core capital (leverage) ratio | 12.6524% | 1,406 |
| Tier 1 risk-based capital ratio | 15.2548% | 2,679 |
| Total risk-based capital ratio | 16.2574% | 2,714 |
| Memoranda: | ||
| Average total assets | $734,098,400 | 1,034 |
| Average earning assets | $680,090,200 | 1,026 |
| Average equity | $92,700,800 | 951 |
| Average total loans | $489,819,000 | 1,099 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3158% | 3,614 |
| Cost of funding earning assets | 0.7902% | 2,763 |
| Net interest margin | 3.5256% | 3,486 |
| Noninterest income to average assets | 1.3602% | 498 |
| Noninterest expense to average assets | 3.2276% | 1,412 |
| Loan and lease loss provision to assets | 0.0556% | 2,799 |
| Net operating income to assets | 1.1761% | 2,273 |
| Return on assets (ROA) | 1.1761% | 2,355 |
| Pretax return on assets | 1.3373% | 2,537 |
| Return on Equity (ROE) | 9.2457% | 2,782 |
| Retained earnings to average equity (ytd only) | 6.7895% | 1,958 |
| Net charge-offs to loans | 0.0490% | 2,134 |
| Credit loss provision to net charge-offs | 167.2222% | 1,503 |
| Earnings coverage of net charge-offs (x) | 41.9062% | 1,328 |
| Efficiency ratio | 69.8533% | 2,135 |
| Assets per employee ($millions) | 4.1790% | 3,648 |
| Cash dividends to net income (ytd only)* | 26.5661% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 2,400 |
| Loan loss allowance to noncurrent loans | 1,551.0152% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.6576% | 2,044 |
| Noncurrent loans to loans | 0.0787% | 4,291 |
| Net loans and leases to total assets | 69.2256% | 2,590 |
| Net loans and leases to deposits | 86.2933% | 2,161 |
| Net loans and leases to core deposits | 87.4525% | 2,785 |
| Total domestic deposits to total assets | 80.2214% | 3,944 |
| Equity capital to assets | 13.3904% | 1,409 |
| Core capital (leverage) ratio | 13.0344% | 1,326 |
| Tier 1 risk-based capital ratio | 15.1549% | 2,780 |
| Total risk-based capital ratio | 16.1480% | 2,831 |
| Memoranda: | ||
| Average total assets | $722,013,500 | 1,048 |
| Average earning assets | $667,668,500 | 1,040 |
| Average equity | $91,845,750 | 961 |
| Average total loans | $489,523,000 | 1,098 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2646% | 3,745 |
| Cost of funding earning assets | 0.8100% | 2,595 |
| Net interest margin | 3.4547% | 3,732 |
| Noninterest income to average assets | 1.3889% | 453 |
| Noninterest expense to average assets | 3.1946% | 1,519 |
| Loan and lease loss provision to assets | 0.0555% | 2,716 |
| Net operating income to assets | 1.2113% | 2,106 |
| Return on assets (ROA) | 1.2113% | 2,169 |
| Pretax return on assets | 1.3367% | 2,421 |
| Return on Equity (ROE) | 9.6903% | 2,541 |
| Retained earnings to average equity (ytd only) | 6.9497% | 1,830 |
| Net charge-offs to loans | 0.0572% | 1,829 |
| Credit loss provision to net charge-offs | 144.6043% | 1,534 |
| Earnings coverage of net charge-offs (x) | 36.2806% | 1,306 |
| Efficiency ratio | 69.6479% | 2,282 |
| Assets per employee ($millions) | 4.2665% | 3,483 |
| Cash dividends to net income (ytd only)* | 28.2817% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2359% | 2,323 |
| Loan loss allowance to noncurrent loans | 1,685.5153% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.6393% | 2,127 |
| Noncurrent loans to loans | 0.0733% | 4,350 |
| Net loans and leases to total assets | 66.2768% | 3,069 |
| Net loans and leases to deposits | 82.6188% | 2,662 |
| Net loans and leases to core deposits | 84.1213% | 3,099 |
| Total domestic deposits to total assets | 80.2200% | 3,992 |
| Equity capital to assets | 12.8680% | 1,653 |
| Core capital (leverage) ratio | 12.6103% | 1,482 |
| Tier 1 risk-based capital ratio | 15.0587% | 2,813 |
| Total risk-based capital ratio | 16.0530% | 2,844 |
| Memoranda: | ||
| Average total assets | $724,483,330 | 1,047 |
| Average earning assets | $670,632,330 | 1,043 |
| Average equity | $90,565,000 | 969 |
| Average total loans | $485,764,000 | 1,108 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2140% | 3,819 |
| Cost of funding earning assets | 0.8001% | 2,537 |
| Net interest margin | 3.4140% | 3,849 |
| Noninterest income to average assets | 1.3591% | 461 |
| Noninterest expense to average assets | 3.2185% | 1,454 |
| Loan and lease loss provision to assets | 0.0554% | 2,562 |
| Net operating income to assets | 1.0494% | 2,661 |
| Return on assets (ROA) | 1.0494% | 2,702 |
| Pretax return on assets | 1.2533% | 2,615 |
| Return on Equity (ROE) | 8.5213% | 3,030 |
| Retained earnings to average equity (ytd only) | 5.4754% | 2,704 |
| Net charge-offs to loans | -0.0231% | 4,550 |
| Credit loss provision to net charge-offs | -357.1429% | 3,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0929% | 2,172 |
| Assets per employee ($millions) | 4.2591% | 3,533 |
| Cash dividends to net income (ytd only)* | 35.7445% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 2,284 |
| Loan loss allowance to noncurrent loans | 120.2950% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.7168% | 1,957 |
| Noncurrent loans to loans | 1.0457% | 1,594 |
| Net loans and leases to total assets | 66.3159% | 3,005 |
| Net loans and leases to deposits | 84.0486% | 2,379 |
| Net loans and leases to core deposits | 85.5505% | 2,905 |
| Total domestic deposits to total assets | 78.9018% | 4,371 |
| Equity capital to assets | 12.5080% | 1,734 |
| Core capital (leverage) ratio | 12.2336% | 1,639 |
| Tier 1 risk-based capital ratio | 14.8581% | 2,934 |
| Total risk-based capital ratio | 15.8747% | 2,972 |
| Memoranda: | ||
| Average total assets | $721,940,500 | 1,052 |
| Average earning assets | $669,955,000 | 1,048 |
| Average equity | $88,907,000 | 975 |
| Average total loans | $483,853,000 | 1,115 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9283% | 4,216 |
| Cost of funding earning assets | 0.5843% | 2,824 |
| Net interest margin | 3.3440% | 4,140 |
| Noninterest income to average assets | 1.3961% | 468 |
| Noninterest expense to average assets | 3.1353% | 1,714 |
| Loan and lease loss provision to assets | 0.1181% | 1,863 |
| Net operating income to assets | 1.1228% | 2,506 |
| Return on assets (ROA) | 1.1220% | 2,505 |
| Pretax return on assets | 1.2403% | 2,738 |
| Return on Equity (ROE) | 9.6011% | 2,690 |
| Retained earnings to average equity (ytd only) | 7.4558% | 1,475 |
| Net charge-offs to loans | 0.0773% | 2,020 |
| Credit loss provision to net charge-offs | 240.7932% | 1,229 |
| Earnings coverage of net charge-offs (x) | 27.7252% | 1,678 |
| Efficiency ratio | 69.7568% | 2,232 |
| Assets per employee ($millions) | 4.2095% | 3,601 |
| Cash dividends to net income (ytd only)* | 22.3446% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 2,329 |
| Loan loss allowance to noncurrent loans | 1,820.3647% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0603% | 4,538 |
| Noncurrent loans to loans | 0.0683% | 4,447 |
| Net loans and leases to total assets | 66.0488% | 3,128 |
| Net loans and leases to deposits | 81.4392% | 2,798 |
| Net loans and leases to core deposits | 82.5368% | 3,222 |
| Total domestic deposits to total assets | 81.1020% | 3,866 |
| Equity capital to assets | 12.1209% | 1,802 |
| Core capital (leverage) ratio | 12.0012% | 1,734 |
| Tier 1 risk-based capital ratio | 14.4658% | 3,077 |
| Total risk-based capital ratio | 15.4650% | 3,121 |
| Memoranda: | ||
| Average total assets | $719,995,400 | 1,035 |
| Average earning assets | $667,128,200 | 1,029 |
| Average equity | $84,135,800 | 989 |
| Average total loans | $456,952,200 | 1,136 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8652% | 4,290 |
| Cost of funding earning assets | 0.5374% | 2,947 |
| Net interest margin | 3.3278% | 4,204 |
| Noninterest income to average assets | 1.3136% | 555 |
| Noninterest expense to average assets | 3.1514% | 1,638 |
| Loan and lease loss provision to assets | 0.0463% | 3,059 |
| Net operating income to assets | 1.0383% | 2,932 |
| Return on assets (ROA) | 1.0371% | 2,940 |
| Pretax return on assets | 1.1990% | 2,987 |
| Return on Equity (ROE) | 8.9588% | 3,108 |
| Retained earnings to average equity (ytd only) | 7.8759% | 1,713 |
| Net charge-offs to loans | 0.0609% | 1,949 |
| Credit loss provision to net charge-offs | 121.3592% | 1,972 |
| Earnings coverage of net charge-offs (x) | 32.6796% | 1,538 |
| Efficiency ratio | 71.6559% | 1,945 |
| Assets per employee ($millions) | 4.0194% | 3,854 |
| Cash dividends to net income (ytd only)* | 12.0871% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1803% | 2,740 |
| Loan loss allowance to noncurrent loans | 1,021.4022% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.0766% | 4,590 |
| Noncurrent loans to loans | 0.1156% | 4,371 |
| Net loans and leases to total assets | 65.5182% | 3,240 |
| Net loans and leases to deposits | 84.8564% | 2,494 |
| Net loans and leases to core deposits | 88.4794% | 2,797 |
| Total domestic deposits to total assets | 77.2107% | 4,612 |
| Equity capital to assets | 11.9619% | 1,932 |
| Core capital (leverage) ratio | 12.2591% | 1,646 |
| Tier 1 risk-based capital ratio | 14.2913% | 3,214 |
| Total risk-based capital ratio | 15.2224% | 3,295 |
| Memoranda: | ||
| Average total assets | $720,036,000 | 1,032 |
| Average earning assets | $667,370,500 | 1,030 |
| Average equity | $83,357,250 | 996 |
| Average total loans | $450,832,750 | 1,148 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8172% | 4,305 |
| Cost of funding earning assets | 0.5078% | 2,955 |
| Net interest margin | 3.3094% | 4,224 |
| Noninterest income to average assets | 1.2615% | 606 |
| Noninterest expense to average assets | 3.0807% | 1,833 |
| Loan and lease loss provision to assets | 0.0414% | 3,075 |
| Net operating income to assets | 1.0569% | 2,772 |
| Return on assets (ROA) | 1.0552% | 2,779 |
| Pretax return on assets | 1.2076% | 2,914 |
| Return on Equity (ROE) | 9.2143% | 2,925 |
| Retained earnings to average equity (ytd only) | 8.1267% | 1,569 |
| Net charge-offs to loans | 0.0472% | 1,940 |
| Credit loss provision to net charge-offs | 142.8571% | 1,621 |
| Earnings coverage of net charge-offs (x) | 43.1429% | 1,243 |
| Efficiency ratio | 71.1207% | 2,144 |
| Assets per employee ($millions) | 3.9636% | 3,961 |
| Cash dividends to net income (ytd only)* | 11.8032% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2183% | 2,609 |
| Loan loss allowance to noncurrent loans | 821.5134% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.0966% | 4,525 |
| Noncurrent loans to loans | 0.1483% | 4,237 |
| Net loans and leases to total assets | 64.3561% | 3,358 |
| Net loans and leases to deposits | 80.3838% | 2,908 |
| Net loans and leases to core deposits | 83.6832% | 3,107 |
| Total domestic deposits to total assets | 80.0610% | 4,223 |
| Equity capital to assets | 12.0138% | 1,847 |
| Core capital (leverage) ratio | 11.8622% | 1,794 |
| Tier 1 risk-based capital ratio | 14.3517% | 3,180 |
| Total risk-based capital ratio | 15.3067% | 3,251 |
| Memoranda: | ||
| Average total assets | $724,241,670 | 1,029 |
| Average earning assets | $671,911,330 | 1,035 |
| Average equity | $82,936,000 | 999 |
| Average total loans | $444,769,000 | 1,155 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6911% | 4,486 |
| Cost of funding earning assets | 0.4915% | 2,859 |
| Net interest margin | 3.1996% | 4,459 |
| Noninterest income to average assets | 1.2002% | 640 |
| Noninterest expense to average assets | 2.9763% | 2,121 |
| Loan and lease loss provision to assets | 0.0407% | 2,943 |
| Net operating income to assets | 1.0109% | 2,817 |
| Return on assets (ROA) | 1.0196% | 2,801 |
| Pretax return on assets | 1.1638% | 2,912 |
| Return on Equity (ROE) | 9.1152% | 2,854 |
| Retained earnings to average equity (ytd only) | 8.0194% | 1,824 |
| Net charge-offs to loans | 0.0973% | 1,204 |
| Credit loss provision to net charge-offs | 70.0935% | 1,826 |
| Earnings coverage of net charge-offs (x) | 20.6168% | 1,460 |
| Efficiency ratio | 71.3283% | 2,293 |
| Assets per employee ($millions) | 4.3291% | 3,432 |
| Cash dividends to net income (ytd only)* | 12.0213% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2165% | 2,714 |
| Loan loss allowance to noncurrent loans | 738.7009% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.1028% | 4,566 |
| Noncurrent loans to loans | 0.1647% | 4,240 |
| Net loans and leases to total assets | 61.6828% | 3,587 |
| Net loans and leases to deposits | 80.8473% | 2,712 |
| Net loans and leases to core deposits | 96.9804% | 1,906 |
| Total domestic deposits to total assets | 76.2954% | 4,941 |
| Equity capital to assets | 11.4785% | 2,152 |
| Core capital (leverage) ratio | 10.9444% | 2,497 |
| Tier 1 risk-based capital ratio | 14.5161% | 3,110 |
| Total risk-based capital ratio | 15.4915% | 3,180 |
| Memoranda: | ||
| Average total assets | $737,564,000 | 1,019 |
| Average earning assets | $685,209,500 | 1,015 |
| Average equity | $82,500,000 | 1,007 |
| Average total loans | $439,912,000 | 1,169 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5177% | 4,761 |
| Cost of funding earning assets | 0.2795% | 4,314 |
| Net interest margin | 3.2383% | 4,336 |
| Noninterest income to average assets | 1.3340% | 591 |
| Noninterest expense to average assets | 3.1173% | 1,812 |
| Loan and lease loss provision to assets | 0.0461% | 3,313 |
| Net operating income to assets | 0.8202% | 3,077 |
| Return on assets (ROA) | 0.8244% | 3,100 |
| Pretax return on assets | 1.1652% | 2,922 |
| Return on Equity (ROE) | 7.0505% | 3,249 |
| Retained earnings to average equity (ytd only) | 2.6655% | 3,725 |
| Net charge-offs to loans | -0.0726% | 5,291 |
| Credit loss provision to net charge-offs | -106.9079% | 4,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0181% | 2,224 |
| Assets per employee ($millions) | 4.3728% | 3,370 |
| Cash dividends to net income (ytd only)* | 62.1943% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2740% | 2,352 |
| Loan loss allowance to noncurrent loans | 649.9408% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.1117% | 4,575 |
| Noncurrent loans to loans | 0.1960% | 4,130 |
| Net loans and leases to total assets | 56.2595% | 4,163 |
| Net loans and leases to deposits | 72.8715% | 3,609 |
| Net loans and leases to core deposits | 95.9157% | 2,028 |
| Total domestic deposits to total assets | 77.2037% | 4,839 |
| Equity capital to assets | 10.9071% | 2,726 |
| Core capital (leverage) ratio | 11.2866% | 2,103 |
| Tier 1 risk-based capital ratio | 14.8251% | 2,913 |
| Total risk-based capital ratio | 15.8296% | 2,974 |
| Memoranda: | ||
| Average total assets | $704,255,600 | 1,036 |
| Average earning assets | $651,246,800 | 1,033 |
| Average equity | $82,349,000 | 982 |
| Average total loans | $418,580,600 | 1,190 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5456% | 4,703 |
| Cost of funding earning assets | 0.2422% | 4,641 |
| Net interest margin | 3.3034% | 4,164 |
| Noninterest income to average assets | 1.3433% | 579 |
| Noninterest expense to average assets | 3.1971% | 1,565 |
| Loan and lease loss provision to assets | 0.0482% | 3,135 |
| Net operating income to assets | 0.8963% | 3,046 |
| Return on assets (ROA) | 0.9132% | 3,018 |
| Pretax return on assets | 1.1645% | 3,044 |
| Return on Equity (ROE) | 7.6685% | 3,309 |
| Retained earnings to average equity (ytd only) | 5.1091% | 2,806 |
| Net charge-offs to loans | -0.1130% | 5,411 |
| Credit loss provision to net charge-offs | -71.0227% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7824% | 2,076 |
| Assets per employee ($millions) | 3.9444% | 4,082 |
| Cash dividends to net income (ytd only)* | 33.3755% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3174% | 2,277 |
| Loan loss allowance to noncurrent loans | 4,631.3559% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 5,170 |
| Noncurrent loans to loans | 0.0284% | 4,998 |
| Net loans and leases to total assets | 59.3077% | 3,942 |
| Net loans and leases to deposits | 76.3058% | 3,347 |
| Net loans and leases to core deposits | 90.5636% | 2,561 |
| Total domestic deposits to total assets | 77.7237% | 4,767 |
| Equity capital to assets | 12.2190% | 1,825 |
| Core capital (leverage) ratio | 12.1111% | 1,620 |
| Tier 1 risk-based capital ratio | 15.4569% | 2,721 |
| Total risk-based capital ratio | 16.4897% | 2,752 |
| Memoranda: | ||
| Average total assets | $691,195,500 | 1,059 |
| Average earning assets | $638,041,250 | 1,057 |
| Average equity | $82,308,250 | 991 |
| Average total loans | $415,452,500 | 1,207 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4976% | 4,772 |
| Cost of funding earning assets | 0.2156% | 4,836 |
| Net interest margin | 3.2819% | 4,161 |
| Noninterest income to average assets | 1.3359% | 594 |
| Noninterest expense to average assets | 3.1991% | 1,582 |
| Loan and lease loss provision to assets | 0.0434% | 3,129 |
| Net operating income to assets | 0.8769% | 3,030 |
| Return on assets (ROA) | 0.8946% | 2,997 |
| Pretax return on assets | 1.1395% | 3,009 |
| Return on Equity (ROE) | 7.5781% | 3,252 |
| Retained earnings to average equity (ytd only) | 5.3681% | 2,483 |
| Net charge-offs to loans | 0.0043% | 3,335 |
| Credit loss provision to net charge-offs | 1,666.6667% | 247 |
| Earnings coverage of net charge-offs (x) | 447.6667% | 189 |
| Efficiency ratio | 73.3002% | 2,130 |
| Assets per employee ($millions) | 3.9032% | 4,127 |
| Cash dividends to net income (ytd only)* | 29.1626% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2017% | 3,008 |
| Loan loss allowance to noncurrent loans | 2,675.9358% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 5,158 |
| Noncurrent loans to loans | 0.0449% | 4,969 |
| Net loans and leases to total assets | 59.5483% | 3,881 |
| Net loans and leases to deposits | 75.7815% | 3,368 |
| Net loans and leases to core deposits | 84.5329% | 3,012 |
| Total domestic deposits to total assets | 78.5790% | 4,713 |
| Equity capital to assets | 12.0992% | 1,863 |
| Core capital (leverage) ratio | 11.7657% | 1,785 |
| Tier 1 risk-based capital ratio | 15.5731% | 2,678 |
| Total risk-based capital ratio | 16.5332% | 2,745 |
| Memoranda: | ||
| Average total assets | $691,506,330 | 1,063 |
| Average earning assets | $638,098,330 | 1,062 |
| Average equity | $81,630,000 | 1,000 |
| Average total loans | $415,655,330 | 1,203 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4033% | 4,917 |
| Cost of funding earning assets | 0.1901% | 5,063 |
| Net interest margin | 3.2132% | 4,296 |
| Noninterest income to average assets | 1.3454% | 575 |
| Noninterest expense to average assets | 3.2326% | 1,518 |
| Loan and lease loss provision to assets | 0.0434% | 2,931 |
| Net operating income to assets | 0.8083% | 3,187 |
| Return on assets (ROA) | 0.8233% | 3,163 |
| Pretax return on assets | 1.0454% | 3,180 |
| Return on Equity (ROE) | 7.0626% | 3,375 |
| Retained earnings to average equity (ytd only) | 5.9417% | 2,380 |
| Net charge-offs to loans | -0.0279% | 4,898 |
| Credit loss provision to net charge-offs | -258.6207% | 4,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0671% | 2,058 |
| Assets per employee ($millions) | 3.7888% | 4,363 |
| Cash dividends to net income (ytd only)* | 15.8708% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1551% | 3,384 |
| Loan loss allowance to noncurrent loans | 1,353.4060% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.0538% | 5,083 |
| Noncurrent loans to loans | 0.0853% | 4,854 |
| Net loans and leases to total assets | 62.3235% | 3,489 |
| Net loans and leases to deposits | 75.4210% | 3,262 |
| Net loans and leases to core deposits | 86.0837% | 2,699 |
| Total domestic deposits to total assets | 82.6341% | 3,964 |
| Equity capital to assets | 11.9579% | 1,871 |
| Core capital (leverage) ratio | 11.2975% | 2,104 |
| Tier 1 risk-based capital ratio | 14.9310% | 2,999 |
| Total risk-based capital ratio | 15.8639% | 3,081 |
| Memoranda: | ||
| Average total assets | $691,822,500 | 1,066 |
| Average earning assets | $637,505,000 | 1,064 |
| Average equity | $80,650,000 | 1,008 |
| Average total loans | $415,279,000 | 1,208 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3481% | 5,081 |
| Cost of funding earning assets | 0.1459% | 5,447 |
| Net interest margin | 3.2022% | 4,449 |
| Noninterest income to average assets | 1.3984% | 585 |
| Noninterest expense to average assets | 3.3785% | 1,407 |
| Loan and lease loss provision to assets | 0.0671% | 3,026 |
| Net operating income to assets | 0.7136% | 3,721 |
| Return on assets (ROA) | 0.7569% | 3,623 |
| Pretax return on assets | 1.0008% | 3,475 |
| Return on Equity (ROE) | 6.5764% | 3,699 |
| Retained earnings to average equity (ytd only) | 2.9962% | 3,767 |
| Net charge-offs to loans | 0.0398% | 3,228 |
| Credit loss provision to net charge-offs | 286.6242% | 1,016 |
| Earnings coverage of net charge-offs (x) | 43.4395% | 1,113 |
| Efficiency ratio | 76.8743% | 1,870 |
| Assets per employee ($millions) | 3.8342% | 4,242 |
| Cash dividends to net income (ytd only)* | 54.4399% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 3,035 |
| Loan loss allowance to noncurrent loans | 1,300.2674% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.0624% | 5,083 |
| Noncurrent loans to loans | 0.0934% | 4,866 |
| Net loans and leases to total assets | 56.3936% | 4,228 |
| Net loans and leases to deposits | 68.5257% | 4,049 |
| Net loans and leases to core deposits | 79.0776% | 3,470 |
| Total domestic deposits to total assets | 82.2955% | 3,994 |
| Equity capital to assets | 11.3657% | 2,272 |
| Core capital (leverage) ratio | 11.4302% | 1,987 |
| Tier 1 risk-based capital ratio | 15.1378% | 2,902 |
| Total risk-based capital ratio | 16.0864% | 2,973 |
| Memoranda: | ||
| Average total assets | $671,035,200 | 1,057 |
| Average earning assets | $627,903,800 | 1,036 |
| Average equity | $77,230,200 | 1,030 |
| Average total loans | $394,211,000 | 1,211 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3577% | 5,111 |
| Cost of funding earning assets | 0.1417% | 5,532 |
| Net interest margin | 3.2160% | 4,441 |
| Noninterest income to average assets | 1.4389% | 574 |
| Noninterest expense to average assets | 3.3358% | 1,483 |
| Loan and lease loss provision to assets | 0.0603% | 3,046 |
| Net operating income to assets | 0.8013% | 3,360 |
| Return on assets (ROA) | 0.8544% | 3,260 |
| Pretax return on assets | 1.1316% | 3,106 |
| Return on Equity (ROE) | 7.3992% | 3,352 |
| Retained earnings to average equity (ytd only) | 6.2209% | 2,052 |
| Net charge-offs to loans | 0.0333% | 2,973 |
| Credit loss provision to net charge-offs | 306.1224% | 1,014 |
| Earnings coverage of net charge-offs (x) | 57.2464% | 992 |
| Efficiency ratio | 74.7377% | 2,152 |
| Assets per employee ($millions) | 3.6375% | 4,587 |
| Cash dividends to net income (ytd only)* | 15.9256% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 3,241 |
| Loan loss allowance to noncurrent loans | 695.6268% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.1048% | 5,013 |
| Noncurrent loans to loans | 0.1724% | 4,667 |
| Net loans and leases to total assets | 60.0441% | 3,874 |
| Net loans and leases to deposits | 72.6843% | 3,735 |
| Net loans and leases to core deposits | 80.5507% | 3,393 |
| Total domestic deposits to total assets | 82.6094% | 3,742 |
| Equity capital to assets | 12.0507% | 2,085 |
| Core capital (leverage) ratio | 11.2447% | 2,237 |
| Tier 1 risk-based capital ratio | 14.8518% | 3,120 |
| Total risk-based capital ratio | 15.7944% | 3,202 |
| Memoranda: | ||
| Average total assets | $663,378,250 | 1,069 |
| Average earning assets | $623,861,750 | 1,046 |
| Average equity | $76,600,500 | 1,040 |
| Average total loans | $392,624,750 | 1,216 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3184% | 5,252 |
| Cost of funding earning assets | 0.1397% | 5,616 |
| Net interest margin | 3.1787% | 4,614 |
| Noninterest income to average assets | 1.4091% | 584 |
| Noninterest expense to average assets | 3.3129% | 1,569 |
| Loan and lease loss provision to assets | 0.0450% | 3,252 |
| Net operating income to assets | 0.7935% | 3,339 |
| Return on assets (ROA) | 0.8180% | 3,362 |
| Pretax return on assets | 1.0756% | 3,303 |
| Return on Equity (ROE) | 7.1868% | 3,434 |
| Retained earnings to average equity (ytd only) | 5.9974% | 2,117 |
| Net charge-offs to loans | 0.0143% | 3,252 |
| Credit loss provision to net charge-offs | 535.7143% | 622 |
| Earnings coverage of net charge-offs (x) | 130.2857% | 461 |
| Efficiency ratio | 75.1566% | 2,202 |
| Assets per employee ($millions) | 3.6418% | 4,527 |
| Cash dividends to net income (ytd only)* | 16.5505% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 3,360 |
| Loan loss allowance to noncurrent loans | 981.5900% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.0765% | 5,225 |
| Noncurrent loans to loans | 0.1223% | 4,956 |
| Net loans and leases to total assets | 57.9441% | 4,121 |
| Net loans and leases to deposits | 68.0954% | 4,174 |
| Net loans and leases to core deposits | 72.6469% | 4,118 |
| Total domestic deposits to total assets | 85.0925% | 2,835 |
| Equity capital to assets | 11.6552% | 2,399 |
| Core capital (leverage) ratio | 10.9992% | 2,428 |
| Tier 1 risk-based capital ratio | 14.7765% | 3,167 |
| Total risk-based capital ratio | 15.7149% | 3,269 |
| Memoranda: | ||
| Average total assets | $666,253,670 | 1,068 |
| Average earning assets | $628,556,670 | 1,040 |
| Average equity | $75,833,330 | 1,054 |
| Average total loans | $390,862,330 | 1,222 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2805% | 5,354 |
| Cost of funding earning assets | 0.1338% | 5,728 |
| Net interest margin | 3.1467% | 4,740 |
| Noninterest income to average assets | 1.3871% | 577 |
| Noninterest expense to average assets | 3.2377% | 1,750 |
| Loan and lease loss provision to assets | 0.0450% | 3,025 |
| Net operating income to assets | 0.8262% | 3,119 |
| Return on assets (ROA) | 0.8479% | 3,125 |
| Pretax return on assets | 1.1067% | 3,068 |
| Return on Equity (ROE) | 7.5396% | 3,169 |
| Retained earnings to average equity (ytd only) | 6.3328% | 2,216 |
| Net charge-offs to loans | -0.0379% | 5,182 |
| Credit loss provision to net charge-offs | -202.7027% | 4,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1270% | 2,455 |
| Assets per employee ($millions) | 3.7042% | 4,463 |
| Cash dividends to net income (ytd only)* | 16.0057% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 3,530 |
| Loan loss allowance to noncurrent loans | 888.4250% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 5,146 |
| Noncurrent loans to loans | 0.1341% | 4,937 |
| Net loans and leases to total assets | 57.2768% | 4,118 |
| Net loans and leases to deposits | 67.2369% | 4,130 |
| Net loans and leases to core deposits | 70.5409% | 4,198 |
| Total domestic deposits to total assets | 85.1866% | 3,047 |
| Equity capital to assets | 11.2069% | 2,723 |
| Core capital (leverage) ratio | 11.0761% | 2,337 |
| Tier 1 risk-based capital ratio | 14.2663% | 3,518 |
| Total risk-based capital ratio | 15.1904% | 3,656 |
| Memoranda: | ||
| Average total assets | $666,151,500 | 1,064 |
| Average earning assets | $631,004,500 | 1,038 |
| Average equity | $74,911,500 | 1,066 |
| Average total loans | $390,861,000 | 1,221 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2679% | 5,397 |
| Cost of funding earning assets | 0.1340% | 5,790 |
| Net interest margin | 3.1338% | 4,827 |
| Noninterest income to average assets | 1.3983% | 617 |
| Noninterest expense to average assets | 3.3653% | 1,558 |
| Loan and lease loss provision to assets | 0.0590% | 3,130 |
| Net operating income to assets | 0.7490% | 3,577 |
| Return on assets (ROA) | 0.8111% | 3,367 |
| Pretax return on assets | 1.0058% | 3,453 |
| Return on Equity (ROE) | 7.1247% | 3,449 |
| Retained earnings to average equity (ytd only) | 4.4749% | 2,804 |
| Net charge-offs to loans | 0.0251% | 3,738 |
| Credit loss provision to net charge-offs | 426.1364% | 722 |
| Earnings coverage of net charge-offs (x) | 71.7500% | 752 |
| Efficiency ratio | 77.0877% | 2,107 |
| Assets per employee ($millions) | 3.5761% | 4,680 |
| Cash dividends to net income (ytd only)* | 37.1922% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1755% | 3,606 |
| Loan loss allowance to noncurrent loans | 1,920.1681% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0671% | 5,364 |
| Noncurrent loans to loans | 0.0612% | 5,274 |
| Net loans and leases to total assets | 58.7085% | 4,000 |
| Net loans and leases to deposits | 71.3560% | 3,775 |
| Net loans and leases to core deposits | 74.8832% | 3,859 |
| Total domestic deposits to total assets | 82.2755% | 4,091 |
| Equity capital to assets | 11.2854% | 2,552 |
| Core capital (leverage) ratio | 11.0392% | 2,363 |
| Tier 1 risk-based capital ratio | 13.9581% | 3,731 |
| Total risk-based capital ratio | 14.8673% | 3,869 |
| Memoranda: | ||
| Average total assets | $635,785,200 | 1,075 |
| Average earning assets | $600,547,000 | 1,042 |
| Average equity | $72,382,200 | 1,054 |
| Average total loans | $350,677,400 | 1,287 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2446% | 5,518 |
| Cost of funding earning assets | 0.1340% | 5,895 |
| Net interest margin | 3.1107% | 4,935 |
| Noninterest income to average assets | 1.4467% | 588 |
| Noninterest expense to average assets | 3.3639% | 1,550 |
| Loan and lease loss provision to assets | 0.0634% | 2,915 |
| Net operating income to assets | 0.7876% | 3,487 |
| Return on assets (ROA) | 0.8653% | 3,194 |
| Pretax return on assets | 1.0474% | 3,426 |
| Return on Equity (ROE) | 7.5835% | 3,296 |
| Retained earnings to average equity (ytd only) | 5.2859% | 2,730 |
| Net charge-offs to loans | 0.0305% | 3,320 |
| Credit loss provision to net charge-offs | 384.6154% | 783 |
| Earnings coverage of net charge-offs (x) | 61.9857% | 896 |
| Efficiency ratio | 76.5392% | 2,152 |
| Assets per employee ($millions) | 3.5315% | 4,739 |
| Cash dividends to net income (ytd only)* | 30.2979% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2546% | 3,339 |
| Loan loss allowance to noncurrent loans | 1,958.6957% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0674% | 5,490 |
| Noncurrent loans to loans | 0.0641% | 5,361 |
| Net loans and leases to total assets | 55.4712% | 4,413 |
| Net loans and leases to deposits | 67.6201% | 4,226 |
| Net loans and leases to core deposits | 70.5534% | 4,317 |
| Total domestic deposits to total assets | 82.0335% | 4,150 |
| Equity capital to assets | 11.5560% | 2,458 |
| Core capital (leverage) ratio | 10.9299% | 2,566 |
| Tier 1 risk-based capital ratio | 14.5448% | 3,539 |
| Total risk-based capital ratio | 15.4839% | 3,641 |
| Memoranda: | ||
| Average total assets | $631,123,500 | 1,091 |
| Average earning assets | $596,211,750 | 1,058 |
| Average equity | $72,014,000 | 1,062 |
| Average total loans | $341,152,500 | 1,321 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1542% | 5,678 |
| Cost of funding earning assets | 0.1333% | 5,960 |
| Net interest margin | 3.0209% | 5,176 |
| Noninterest income to average assets | 1.4369% | 613 |
| Noninterest expense to average assets | 3.3732% | 1,527 |
| Loan and lease loss provision to assets | 0.0716% | 2,679 |
| Net operating income to assets | 0.7073% | 3,855 |
| Return on assets (ROA) | 0.7829% | 3,579 |
| Pretax return on assets | 0.9338% | 3,829 |
| Return on Equity (ROE) | 6.8911% | 3,677 |
| Retained earnings to average equity (ytd only) | 4.0450% | 3,439 |
| Net charge-offs to loans | 0.0143% | 3,431 |
| Credit loss provision to net charge-offs | 937.5000% | 382 |
| Earnings coverage of net charge-offs (x) | 120.3750% | 525 |
| Efficiency ratio | 78.3215% | 2,018 |
| Assets per employee ($millions) | 3.5121% | 4,763 |
| Cash dividends to net income (ytd only)* | 41.3008% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 3,415 |
| Loan loss allowance to noncurrent loans | 179.9358% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.4318% | 4,196 |
| Noncurrent loans to loans | 0.7041% | 3,375 |
| Net loans and leases to total assets | 54.9706% | 4,461 |
| Net loans and leases to deposits | 63.3667% | 4,586 |
| Net loans and leases to core deposits | 66.6346% | 4,604 |
| Total domestic deposits to total assets | 86.7500% | 2,297 |
| Equity capital to assets | 11.2669% | 2,603 |
| Core capital (leverage) ratio | 10.7320% | 2,698 |
| Tier 1 risk-based capital ratio | 14.5252% | 3,622 |
| Total risk-based capital ratio | 15.4808% | 3,726 |
| Memoranda: | ||
| Average total assets | $628,430,670 | 1,099 |
| Average earning assets | $594,055,670 | 1,070 |
| Average equity | $71,396,670 | 1,075 |
| Average total loans | $335,177,330 | 1,339 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1062% | 5,776 |
| Cost of funding earning assets | 0.1361% | 6,025 |
| Net interest margin | 2.9701% | 5,296 |
| Noninterest income to average assets | 1.4834% | 550 |
| Noninterest expense to average assets | 3.3937% | 1,500 |
| Loan and lease loss provision to assets | 0.0960% | 2,088 |
| Net operating income to assets | 0.6288% | 4,152 |
| Return on assets (ROA) | 0.7510% | 3,672 |
| Pretax return on assets | 0.9494% | 3,697 |
| Return on Equity (ROE) | 6.5822% | 3,724 |
| Retained earnings to average equity (ytd only) | 3.4173% | 3,935 |
| Net charge-offs to loans | -0.0196% | 5,040 |
| Credit loss provision to net charge-offs | -937.5000% | 4,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7110% | 2,083 |
| Assets per employee ($millions) | 3.5307% | 4,844 |
| Cash dividends to net income (ytd only)* | 48.0818% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3626% | 3,089 |
| Loan loss allowance to noncurrent loans | 182.8607% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.4191% | 4,357 |
| Noncurrent loans to loans | 0.7451% | 3,398 |
| Net loans and leases to total assets | 51.2466% | 4,726 |
| Net loans and leases to deposits | 58.9105% | 4,835 |
| Net loans and leases to core deposits | 62.7728% | 4,796 |
| Total domestic deposits to total assets | 86.9907% | 2,372 |
| Equity capital to assets | 11.4630% | 2,500 |
| Core capital (leverage) ratio | 10.8201% | 2,599 |
| Tier 1 risk-based capital ratio | 15.6574% | 3,077 |
| Total risk-based capital ratio | 16.6754% | 3,121 |
| Memoranda: | ||
| Average total assets | $624,798,000 | 1,110 |
| Average earning assets | $590,688,000 | 1,076 |
| Average equity | $71,283,500 | 1,079 |
| Average total loans | $325,801,000 | 1,375 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1326% | 5,917 |
| Cost of funding earning assets | 0.1543% | 6,074 |
| Net interest margin | 2.9783% | 5,490 |
| Noninterest income to average assets | 1.4819% | 560 |
| Noninterest expense to average assets | 3.3460% | 1,809 |
| Loan and lease loss provision to assets | 0.1134% | 2,278 |
| Net operating income to assets | 0.7041% | 3,873 |
| Return on assets (ROA) | 0.8036% | 3,448 |
| Pretax return on assets | 0.9348% | 3,763 |
| Return on Equity (ROE) | 7.3368% | 3,449 |
| Retained earnings to average equity (ytd only) | 6.3356% | 1,741 |
| Net charge-offs to loans | 0.1368% | 2,650 |
| Credit loss provision to net charge-offs | 169.4915% | 1,439 |
| Earnings coverage of net charge-offs (x) | 14.0048% | 2,215 |
| Efficiency ratio | 77.6589% | 2,256 |
| Assets per employee ($millions) | 3.4895% | 4,924 |
| Cash dividends to net income (ytd only)* | 13.6464% | 4,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 3,333 |
| Loan loss allowance to noncurrent loans | 166.3947% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.4468% | 4,325 |
| Noncurrent loans to loans | 0.7918% | 3,329 |
| Net loans and leases to total assets | 51.6482% | 4,816 |
| Net loans and leases to deposits | 60.9329% | 4,815 |
| Net loans and leases to core deposits | 63.4938% | 4,873 |
| Total domestic deposits to total assets | 84.7625% | 3,384 |
| Equity capital to assets | 11.3544% | 2,554 |
| Core capital (leverage) ratio | 11.3359% | 2,100 |
| Tier 1 risk-based capital ratio | 16.4817% | 2,722 |
| Total risk-based capital ratio | 17.4995% | 2,782 |
| Memoranda: | ||
| Average total assets | $617,332,600 | 1,077 |
| Average earning assets | $580,599,200 | 1,047 |
| Average equity | $67,617,600 | 1,090 |
| Average total loans | $301,859,400 | 1,419 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1215% | 6,002 |
| Cost of funding earning assets | 0.1573% | 6,141 |
| Net interest margin | 2.9642% | 5,574 |
| Noninterest income to average assets | 1.5036% | 558 |
| Noninterest expense to average assets | 3.3747% | 1,725 |
| Loan and lease loss provision to assets | 0.0757% | 2,829 |
| Net operating income to assets | 0.7072% | 3,906 |
| Return on assets (ROA) | 0.8181% | 3,445 |
| Pretax return on assets | 0.9645% | 3,740 |
| Return on Equity (ROE) | 7.5385% | 3,429 |
| Retained earnings to average equity (ytd only) | 6.6395% | 2,020 |
| Net charge-offs to loans | 0.1653% | 2,139 |
| Credit loss provision to net charge-offs | 95.3678% | 2,334 |
| Earnings coverage of net charge-offs (x) | 11.5068% | 2,423 |
| Efficiency ratio | 78.2284% | 2,153 |
| Assets per employee ($millions) | 3.5356% | 4,795 |
| Cash dividends to net income (ytd only)* | 11.9249% | 3,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2730% | 3,790 |
| Loan loss allowance to noncurrent loans | 141.1493% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.5572% | 4,191 |
| Noncurrent loans to loans | 0.9019% | 3,306 |
| Net loans and leases to total assets | 50.1600% | 4,990 |
| Net loans and leases to deposits | 57.6172% | 5,127 |
| Net loans and leases to core deposits | 62.2602% | 5,020 |
| Total domestic deposits to total assets | 87.0574% | 2,288 |
| Equity capital to assets | 11.1924% | 2,768 |
| Core capital (leverage) ratio | 11.0823% | 2,412 |
| Tier 1 risk-based capital ratio | 16.8279% | 2,678 |
| Total risk-based capital ratio | 17.8068% | 2,742 |
| Memoranda: | ||
| Average total assets | $616,383,000 | 1,090 |
| Average earning assets | $579,026,250 | 1,060 |
| Average equity | $66,890,500 | 1,107 |
| Average total loans | $296,052,750 | 1,450 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0789% | 6,092 |
| Cost of funding earning assets | 0.1600% | 6,199 |
| Net interest margin | 2.9189% | 5,703 |
| Noninterest income to average assets | 1.4735% | 560 |
| Noninterest expense to average assets | 3.3724% | 1,749 |
| Loan and lease loss provision to assets | 0.0649% | 2,970 |
| Net operating income to assets | 0.6447% | 4,126 |
| Return on assets (ROA) | 0.7727% | 3,558 |
| Pretax return on assets | 0.9238% | 3,789 |
| Return on Equity (ROE) | 7.1956% | 3,518 |
| Retained earnings to average equity (ytd only) | 5.8337% | 2,424 |
| Net charge-offs to loans | 0.2292% | 1,665 |
| Credit loss provision to net charge-offs | 60.0601% | 2,639 |
| Earnings coverage of net charge-offs (x) | 7.7808% | 2,579 |
| Efficiency ratio | 79.6244% | 2,074 |
| Assets per employee ($millions) | 3.5571% | 4,745 |
| Cash dividends to net income (ytd only)* | 18.9257% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2994% | 3,853 |
| Loan loss allowance to noncurrent loans | 141.2948% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.5588% | 4,315 |
| Noncurrent loans to loans | 0.9196% | 3,424 |
| Net loans and leases to total assets | 46.3443% | 5,330 |
| Net loans and leases to deposits | 52.7188% | 5,448 |
| Net loans and leases to core deposits | 55.9375% | 5,420 |
| Total domestic deposits to total assets | 87.9085% | 1,956 |
| Equity capital to assets | 10.6818% | 3,216 |
| Core capital (leverage) ratio | 10.9142% | 2,514 |
| Tier 1 risk-based capital ratio | 17.1046% | 2,577 |
| Total risk-based capital ratio | 18.0908% | 2,656 |
| Memoranda: | ||
| Average total assets | $616,777,000 | 1,092 |
| Average earning assets | $578,785,330 | 1,064 |
| Average equity | $66,235,330 | 1,103 |
| Average total loans | $290,549,000 | 1,476 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1316% | 6,084 |
| Cost of funding earning assets | 0.1656% | 6,260 |
| Net interest margin | 2.9660% | 5,611 |
| Noninterest income to average assets | 1.5137% | 514 |
| Noninterest expense to average assets | 3.3784% | 1,755 |
| Loan and lease loss provision to assets | 0.0493% | 3,108 |
| Net operating income to assets | 0.7131% | 3,616 |
| Return on assets (ROA) | 0.7421% | 3,555 |
| Pretax return on assets | 0.8926% | 3,728 |
| Return on Equity (ROE) | 6.8909% | 3,534 |
| Retained earnings to average equity (ytd only) | 5.5115% | 2,780 |
| Net charge-offs to loans | 0.0056% | 3,545 |
| Credit loss provision to net charge-offs | 1,875.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 347.2500% | 137 |
| Efficiency ratio | 78.2509% | 2,442 |
| Assets per employee ($millions) | 3.5082% | 4,904 |
| Cash dividends to net income (ytd only)* | 20.0177% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3943% | 3,633 |
| Loan loss allowance to noncurrent loans | 78.2567% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 0.8940% | 3,503 |
| Noncurrent loans to loans | 1.7816% | 2,165 |
| Net loans and leases to total assets | 46.5837% | 5,268 |
| Net loans and leases to deposits | 52.7373% | 5,408 |
| Net loans and leases to core deposits | 55.9073% | 5,358 |
| Total domestic deposits to total assets | 88.3315% | 2,037 |
| Equity capital to assets | 10.7699% | 2,960 |
| Core capital (leverage) ratio | 10.5678% | 2,849 |
| Tier 1 risk-based capital ratio | 16.8909% | 2,738 |
| Total risk-based capital ratio | 17.9343% | 2,782 |
| Memoranda: | ||
| Average total assets | $608,579,500 | 1,112 |
| Average earning assets | $569,923,500 | 1,086 |
| Average equity | $65,536,000 | 1,116 |
| Average total loans | $287,172,500 | 1,495 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1470% | 6,198 |
| Cost of funding earning assets | 0.2139% | 6,210 |
| Net interest margin | 2.9331% | 5,724 |
| Noninterest income to average assets | 1.5380% | 599 |
| Noninterest expense to average assets | 3.3672% | 1,955 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7075% | 3,762 |
| Return on assets (ROA) | 0.7357% | 3,710 |
| Pretax return on assets | 0.9272% | 3,659 |
| Return on Equity (ROE) | 6.8567% | 3,645 |
| Retained earnings to average equity (ytd only) | 4.9152% | 2,656 |
| Net charge-offs to loans | 0.1028% | 3,800 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 18.9126% | 1,633 |
| Efficiency ratio | 78.4398% | 2,394 |
| Assets per employee ($millions) | 3.4466% | 4,999 |
| Cash dividends to net income (ytd only)* | 28.3164% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4138% | 3,586 |
| Loan loss allowance to noncurrent loans | 137.8406% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.5169% | 4,694 |
| Noncurrent loans to loans | 1.0257% | 3,465 |
| Net loans and leases to total assets | 46.4644% | 5,452 |
| Net loans and leases to deposits | 53.1575% | 5,537 |
| Net loans and leases to core deposits | 55.6058% | 5,567 |
| Total domestic deposits to total assets | 87.4089% | 2,522 |
| Equity capital to assets | 10.7674% | 2,858 |
| Core capital (leverage) ratio | 10.8759% | 2,502 |
| Tier 1 risk-based capital ratio | 17.1221% | 2,556 |
| Total risk-based capital ratio | 18.1759% | 2,605 |
| Memoranda: | ||
| Average total assets | $601,503,000 | 1,106 |
| Average earning assets | $559,541,000 | 1,085 |
| Average equity | $64,535,000 | 1,110 |
| Average total loans | $278,105,800 | 1,516 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1548% | 6,249 |
| Cost of funding earning assets | 0.2255% | 6,258 |
| Net interest margin | 2.9293% | 5,743 |
| Noninterest income to average assets | 1.4521% | 696 |
| Noninterest expense to average assets | 3.3302% | 2,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6735% | 3,992 |
| Return on assets (ROA) | 0.7006% | 3,995 |
| Pretax return on assets | 0.8703% | 4,012 |
| Return on Equity (ROE) | 6.5358% | 3,913 |
| Retained earnings to average equity (ytd only) | 4.7877% | 3,246 |
| Net charge-offs to loans | 0.0096% | 4,953 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 190.3716% | 305 |
| Efficiency ratio | 79.2974% | 2,219 |
| Assets per employee ($millions) | 3.3530% | 5,178 |
| Cash dividends to net income (ytd only)* | 26.7467% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5361% | 3,301 |
| Loan loss allowance to noncurrent loans | 125.4636% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.6765% | 4,421 |
| Noncurrent loans to loans | 1.2243% | 3,358 |
| Net loans and leases to total assets | 47.0975% | 5,439 |
| Net loans and leases to deposits | 53.5986% | 5,572 |
| Net loans and leases to core deposits | 56.5269% | 5,576 |
| Total domestic deposits to total assets | 87.8709% | 2,210 |
| Equity capital to assets | 10.9280% | 2,832 |
| Core capital (leverage) ratio | 10.9876% | 2,496 |
| Tier 1 risk-based capital ratio | 16.9904% | 2,708 |
| Total risk-based capital ratio | 18.1206% | 2,719 |
| Memoranda: | ||
| Average total assets | $601,951,500 | 1,115 |
| Average earning assets | $559,263,000 | 1,094 |
| Average equity | $64,525,500 | 1,121 |
| Average total loans | $276,970,500 | 1,523 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1498% | 6,292 |
| Cost of funding earning assets | 0.2396% | 6,245 |
| Net interest margin | 2.9101% | 5,780 |
| Noninterest income to average assets | 1.3912% | 808 |
| Noninterest expense to average assets | 3.2430% | 2,230 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6790% | 3,911 |
| Return on assets (ROA) | 0.7051% | 3,953 |
| Pretax return on assets | 0.8808% | 3,977 |
| Return on Equity (ROE) | 6.6190% | 3,817 |
| Retained earnings to average equity (ytd only) | 4.0121% | 3,744 |
| Net charge-offs to loans | 0.0079% | 4,727 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 236.8182% | 218 |
| Efficiency ratio | 78.6367% | 2,361 |
| Assets per employee ($millions) | 3.4154% | 5,026 |
| Cash dividends to net income (ytd only)* | 39.3855% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5383% | 3,409 |
| Loan loss allowance to noncurrent loans | 112.1881% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.7022% | 4,466 |
| Noncurrent loans to loans | 1.3712% | 3,260 |
| Net loans and leases to total assets | 46.0012% | 5,532 |
| Net loans and leases to deposits | 53.4983% | 5,557 |
| Net loans and leases to core deposits | 56.8790% | 5,535 |
| Total domestic deposits to total assets | 85.9863% | 3,374 |
| Equity capital to assets | 10.7043% | 3,054 |
| Core capital (leverage) ratio | 10.5066% | 2,870 |
| Tier 1 risk-based capital ratio | 16.5788% | 2,901 |
| Total risk-based capital ratio | 17.7019% | 2,916 |
| Memoranda: | ||
| Average total assets | $609,243,000 | 1,099 |
| Average earning assets | $566,710,670 | 1,080 |
| Average equity | $64,903,670 | 1,113 |
| Average total loans | $276,806,000 | 1,526 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1163% | 6,383 |
| Cost of funding earning assets | 0.2553% | 6,256 |
| Net interest margin | 2.8609% | 5,887 |
| Noninterest income to average assets | 1.3737% | 816 |
| Noninterest expense to average assets | 3.1139% | 2,629 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7206% | 3,588 |
| Return on assets (ROA) | 0.7485% | 3,577 |
| Pretax return on assets | 0.9476% | 3,577 |
| Return on Equity (ROE) | 7.0421% | 3,466 |
| Retained earnings to average equity (ytd only) | 2.9108% | 4,536 |
| Net charge-offs to loans | -0.0289% | 5,880 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7004% | 2,811 |
| Assets per employee ($millions) | 3.7590% | 4,432 |
| Cash dividends to net income (ytd only)* | 58.6655% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5494% | 3,618 |
| Loan loss allowance to noncurrent loans | 137.5320% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.5554% | 5,002 |
| Noncurrent loans to loans | 1.1266% | 3,900 |
| Net loans and leases to total assets | 44.0725% | 5,658 |
| Net loans and leases to deposits | 50.7497% | 5,731 |
| Net loans and leases to core deposits | 52.0227% | 5,820 |
| Total domestic deposits to total assets | 86.8429% | 3,051 |
| Equity capital to assets | 10.6184% | 3,410 |
| Core capital (leverage) ratio | 10.0302% | 3,338 |
| Tier 1 risk-based capital ratio | 16.1510% | 3,181 |
| Total risk-based capital ratio | 17.2701% | 3,218 |
| Memoranda: | ||
| Average total assets | $616,727,500 | 1,098 |
| Average earning assets | $573,378,500 | 1,075 |
| Average equity | $65,549,000 | 1,126 |
| Average total loans | $276,387,000 | 1,537 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2574% | 6,622 |
| Cost of funding earning assets | 0.3751% | 6,081 |
| Net interest margin | 2.8823% | 6,258 |
| Noninterest income to average assets | 1.4975% | 703 |
| Noninterest expense to average assets | 3.3119% | 2,296 |
| Loan and lease loss provision to assets | 0.0610% | 5,016 |
| Net operating income to assets | 0.6519% | 3,977 |
| Return on assets (ROA) | 0.8585% | 3,250 |
| Pretax return on assets | 1.0575% | 3,333 |
| Return on Equity (ROE) | 7.8085% | 3,181 |
| Retained earnings to average equity (ytd only) | 7.1998% | 1,473 |
| Net charge-offs to loans | -0.1522% | 6,899 |
| Credit loss provision to net charge-offs | -91.3838% | 6,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6667% | 2,330 |
| Assets per employee ($millions) | 3.6286% | 4,713 |
| Cash dividends to net income (ytd only)* | 7.7954% | 4,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5564% | 3,495 |
| Loan loss allowance to noncurrent loans | 594.7222% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.1789% | 6,116 |
| Noncurrent loans to loans | 0.2617% | 5,829 |
| Net loans and leases to total assets | 44.1664% | 5,802 |
| Net loans and leases to deposits | 51.8566% | 5,818 |
| Net loans and leases to core deposits | 53.2588% | 5,926 |
| Total domestic deposits to total assets | 85.1701% | 3,777 |
| Equity capital to assets | 10.6388% | 3,353 |
| Core capital (leverage) ratio | 10.2137% | 3,122 |
| Tier 1 risk-based capital ratio | 16.3237% | 2,986 |
| Total risk-based capital ratio | 17.4596% | 2,997 |
| Memoranda: | ||
| Average total assets | $573,818,000 | 1,156 |
| Average earning assets | $534,535,800 | 1,127 |
| Average equity | $63,085,400 | 1,127 |
| Average total loans | $251,571,800 | 1,638 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2522% | 6,757 |
| Cost of funding earning assets | 0.4008% | 6,115 |
| Net interest margin | 2.8514% | 6,431 |
| Noninterest income to average assets | 1.3443% | 821 |
| Noninterest expense to average assets | 3.2152% | 2,514 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6544% | 4,119 |
| Return on assets (ROA) | 0.8527% | 3,454 |
| Pretax return on assets | 1.0223% | 3,625 |
| Return on Equity (ROE) | 7.6890% | 3,427 |
| Retained earnings to average equity (ytd only) | 6.8704% | 2,197 |
| Net charge-offs to loans | -0.1910% | 6,981 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7344% | 2,135 |
| Assets per employee ($millions) | 3.7701% | 4,374 |
| Cash dividends to net income (ytd only)* | 10.6460% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4549% | 4,136 |
| Loan loss allowance to noncurrent loans | 513.9657% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.1994% | 6,214 |
| Noncurrent loans to loans | 0.2831% | 5,925 |
| Net loans and leases to total assets | 43.8033% | 5,986 |
| Net loans and leases to deposits | 51.0746% | 6,035 |
| Net loans and leases to core deposits | 52.4849% | 6,147 |
| Total domestic deposits to total assets | 85.7634% | 3,382 |
| Equity capital to assets | 10.6984% | 3,611 |
| Core capital (leverage) ratio | 10.0829% | 3,428 |
| Tier 1 risk-based capital ratio | 16.4808% | 3,011 |
| Total risk-based capital ratio | 17.5493% | 3,078 |
| Memoranda: | ||
| Average total assets | $563,965,750 | 1,190 |
| Average earning assets | $526,237,750 | 1,157 |
| Average equity | $62,546,750 | 1,143 |
| Average total loans | $245,684,250 | 1,690 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3645% | 6,762 |
| Cost of funding earning assets | 0.4357% | 6,065 |
| Net interest margin | 2.9288% | 6,382 |
| Noninterest income to average assets | 1.4025% | 728 |
| Noninterest expense to average assets | 3.3695% | 2,104 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6322% | 4,212 |
| Return on assets (ROA) | 0.9113% | 3,116 |
| Pretax return on assets | 1.1026% | 3,293 |
| Return on Equity (ROE) | 8.1120% | 3,206 |
| Retained earnings to average equity (ytd only) | 6.8709% | 2,174 |
| Net charge-offs to loans | 0.2191% | 3,256 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 8.1149% | 2,361 |
| Efficiency ratio | 80.8755% | 2,051 |
| Assets per employee ($millions) | 3.5862% | 4,774 |
| Cash dividends to net income (ytd only)* | 15.2988% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3668% | 4,585 |
| Loan loss allowance to noncurrent loans | 656.2874% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 6,514 |
| Noncurrent loans to loans | 0.2083% | 6,163 |
| Net loans and leases to total assets | 43.2444% | 6,087 |
| Net loans and leases to deposits | 50.5710% | 6,138 |
| Net loans and leases to core deposits | 51.9867% | 6,239 |
| Total domestic deposits to total assets | 85.5122% | 3,602 |
| Equity capital to assets | 11.5267% | 2,565 |
| Core capital (leverage) ratio | 11.0872% | 2,218 |
| Tier 1 risk-based capital ratio | 18.8088% | 2,024 |
| Total risk-based capital ratio | 19.8407% | 2,064 |
| Memoranda: | ||
| Average total assets | $550,881,330 | 1,229 |
| Average earning assets | $514,616,000 | 1,189 |
| Average equity | $61,884,000 | 1,150 |
| Average total loans | $238,202,000 | 1,731 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4028% | 6,808 |
| Cost of funding earning assets | 0.4769% | 5,969 |
| Net interest margin | 2.9259% | 6,446 |
| Noninterest income to average assets | 1.5334% | 614 |
| Noninterest expense to average assets | 3.2334% | 2,497 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7803% | 3,471 |
| Return on assets (ROA) | 1.2703% | 1,705 |
| Pretax return on assets | 1.6754% | 1,369 |
| Return on Equity (ROE) | 11.4569% | 1,851 |
| Retained earnings to average equity (ytd only) | 8.9472% | 1,613 |
| Net charge-offs to loans | -0.0608% | 6,611 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2420% | 2,903 |
| Assets per employee ($millions) | 3.5283% | 5,055 |
| Cash dividends to net income (ytd only)* | 21.9053% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5144% | 4,084 |
| Loan loss allowance to noncurrent loans | 150.1885% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.4542% | 5,719 |
| Noncurrent loans to loans | 1.0083% | 4,659 |
| Net loans and leases to total assets | 42.3566% | 6,162 |
| Net loans and leases to deposits | 49.5328% | 6,176 |
| Net loans and leases to core deposits | 50.9364% | 6,281 |
| Total domestic deposits to total assets | 85.5122% | 3,784 |
| Equity capital to assets | 11.1900% | 2,720 |
| Core capital (leverage) ratio | 10.6592% | 2,591 |
| Tier 1 risk-based capital ratio | 19.0455% | 1,976 |
| Total risk-based capital ratio | 20.2018% | 1,959 |
| Memoranda: | ||
| Average total assets | $551,981,000 | 1,234 |
| Average earning assets | $515,813,000 | 1,189 |
| Average equity | $61,203,500 | 1,163 |
| Average total loans | $237,022,000 | 1,742 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5620% | 6,958 |
| Cost of funding earning assets | 0.6988% | 5,551 |
| Net interest margin | 2.8632% | 6,746 |
| Noninterest income to average assets | 1.5026% | 581 |
| Noninterest expense to average assets | 3.1391% | 3,064 |
| Loan and lease loss provision to assets | 0.0462% | 5,999 |
| Net operating income to assets | 0.8032% | 3,025 |
| Return on assets (ROA) | 0.8051% | 3,178 |
| Pretax return on assets | 0.9857% | 3,288 |
| Return on Equity (ROE) | 7.4240% | 3,189 |
| Retained earnings to average equity (ytd only) | 4.9641% | 2,666 |
| Net charge-offs to loans | 0.2561% | 4,177 |
| Credit loss provision to net charge-offs | 39.3082% | 5,635 |
| Earnings coverage of net charge-offs (x) | 8.7673% | 2,097 |
| Efficiency ratio | 74.7553% | 3,095 |
| Assets per employee ($millions) | 3.4169% | 5,207 |
| Cash dividends to net income (ytd only)* | 33.1346% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4954% | 4,048 |
| Loan loss allowance to noncurrent loans | 270.9160% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.2730% | 6,279 |
| Noncurrent loans to loans | 0.5520% | 5,615 |
| Net loans and leases to total assets | 42.2318% | 6,362 |
| Net loans and leases to deposits | 50.1153% | 6,359 |
| Net loans and leases to core deposits | 51.6279% | 6,446 |
| Total domestic deposits to total assets | 84.2693% | 4,208 |
| Equity capital to assets | 10.9865% | 2,993 |
| Core capital (leverage) ratio | 10.6350% | 2,577 |
| Tier 1 risk-based capital ratio | 18.5982% | 2,018 |
| Total risk-based capital ratio | 19.7522% | 2,013 |
| Memoranda: | ||
| Average total assets | $541,655,200 | 1,222 |
| Average earning assets | $504,324,800 | 1,200 |
| Average equity | $58,742,000 | 1,153 |
| Average total loans | $248,360,800 | 1,686 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5929% | 7,027 |
| Cost of funding earning assets | 0.7403% | 5,518 |
| Net interest margin | 2.8526% | 6,825 |
| Noninterest income to average assets | 1.5284% | 561 |
| Noninterest expense to average assets | 3.0746% | 3,263 |
| Loan and lease loss provision to assets | 0.0619% | 5,673 |
| Net operating income to assets | 0.8123% | 3,094 |
| Return on assets (ROA) | 0.8148% | 3,248 |
| Pretax return on assets | 1.0512% | 3,203 |
| Return on Equity (ROE) | 7.5385% | 3,255 |
| Retained earnings to average equity (ytd only) | 6.2951% | 2,371 |
| Net charge-offs to loans | 0.3223% | 3,491 |
| Credit loss provision to net charge-offs | 41.1862% | 5,216 |
| Earnings coverage of net charge-offs (x) | 7.3872% | 2,367 |
| Efficiency ratio | 72.9268% | 3,379 |
| Assets per employee ($millions) | 3.3195% | 5,443 |
| Cash dividends to net income (ytd only)* | 16.4945% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4307% | 4,415 |
| Loan loss allowance to noncurrent loans | 105.3592% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.6565% | 5,497 |
| Noncurrent loans to loans | 1.3579% | 4,271 |
| Net loans and leases to total assets | 45.2814% | 6,212 |
| Net loans and leases to deposits | 53.6107% | 6,244 |
| Net loans and leases to core deposits | 55.4016% | 6,356 |
| Total domestic deposits to total assets | 84.4634% | 4,027 |
| Equity capital to assets | 11.2115% | 2,954 |
| Core capital (leverage) ratio | 10.8001% | 2,572 |
| Tier 1 risk-based capital ratio | 18.3993% | 2,117 |
| Total risk-based capital ratio | 19.5542% | 2,114 |
| Memoranda: | ||
| Average total assets | $538,683,500 | 1,237 |
| Average earning assets | $501,563,250 | 1,212 |
| Average equity | $58,223,750 | 1,168 |
| Average total loans | $251,121,000 | 1,681 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5820% | 7,109 |
| Cost of funding earning assets | 0.7612% | 5,620 |
| Net interest margin | 2.8207% | 6,895 |
| Noninterest income to average assets | 1.4908% | 581 |
| Noninterest expense to average assets | 3.1018% | 3,247 |
| Loan and lease loss provision to assets | 0.0931% | 5,163 |
| Net operating income to assets | 0.7227% | 3,428 |
| Return on assets (ROA) | 0.7266% | 3,526 |
| Pretax return on assets | 0.9225% | 3,541 |
| Return on Equity (ROE) | 6.8079% | 3,528 |
| Retained earnings to average equity (ytd only) | 5.5441% | 2,670 |
| Net charge-offs to loans | 0.4366% | 2,826 |
| Credit loss provision to net charge-offs | 45.5373% | 4,689 |
| Earnings coverage of net charge-offs (x) | 4.9417% | 2,732 |
| Efficiency ratio | 74.8596% | 3,211 |
| Assets per employee ($millions) | 3.2251% | 5,585 |
| Cash dividends to net income (ytd only)* | 18.5641% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4533% | 4,326 |
| Loan loss allowance to noncurrent loans | 196.0108% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.4332% | 6,061 |
| Noncurrent loans to loans | 0.7414% | 5,431 |
| Net loans and leases to total assets | 46.6151% | 6,201 |
| Net loans and leases to deposits | 55.1353% | 6,211 |
| Net loans and leases to core deposits | 57.1228% | 6,340 |
| Total domestic deposits to total assets | 84.5467% | 4,099 |
| Equity capital to assets | 11.0980% | 2,858 |
| Core capital (leverage) ratio | 10.6766% | 2,542 |
| Tier 1 risk-based capital ratio | 17.7285% | 2,257 |
| Total risk-based capital ratio | 18.8835% | 2,267 |
| Memoranda: | ||
| Average total assets | $536,776,670 | 1,244 |
| Average earning assets | $498,946,000 | 1,219 |
| Average equity | $57,286,330 | 1,171 |
| Average total loans | $251,464,000 | 1,703 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5382% | 7,188 |
| Cost of funding earning assets | 0.7806% | 5,667 |
| Net interest margin | 2.7576% | 6,965 |
| Noninterest income to average assets | 1.5210% | 563 |
| Noninterest expense to average assets | 3.0020% | 3,640 |
| Loan and lease loss provision to assets | 0.1849% | 3,759 |
| Net operating income to assets | 0.7114% | 3,467 |
| Return on assets (ROA) | 0.7191% | 3,497 |
| Pretax return on assets | 0.8944% | 3,516 |
| Return on Equity (ROE) | 6.8717% | 3,452 |
| Retained earnings to average equity (ytd only) | 5.5921% | 2,857 |
| Net charge-offs to loans | 0.8187% | 1,598 |
| Credit loss provision to net charge-offs | 48.4496% | 3,785 |
| Earnings coverage of net charge-offs (x) | 2.8023% | 2,962 |
| Efficiency ratio | 73.1650% | 3,653 |
| Assets per employee ($millions) | 3.3020% | 5,472 |
| Cash dividends to net income (ytd only)* | 18.6214% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4476% | 4,449 |
| Loan loss allowance to noncurrent loans | 240.9061% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.3450% | 6,339 |
| Noncurrent loans to loans | 0.6009% | 5,830 |
| Net loans and leases to total assets | 46.9834% | 6,195 |
| Net loans and leases to deposits | 55.8635% | 6,141 |
| Net loans and leases to core deposits | 57.8378% | 6,278 |
| Total domestic deposits to total assets | 84.1039% | 4,450 |
| Equity capital to assets | 10.7289% | 2,955 |
| Core capital (leverage) ratio | 10.0026% | 3,143 |
| Tier 1 risk-based capital ratio | 17.5758% | 2,259 |
| Total risk-based capital ratio | 18.7487% | 2,261 |
| Memoranda: | ||
| Average total assets | $540,707,500 | 1,245 |
| Average earning assets | $500,141,500 | 1,230 |
| Average equity | $56,580,000 | 1,176 |
| Average total loans | $252,101,000 | 1,718 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6785% | 7,316 |
| Cost of funding earning assets | 0.9841% | 5,763 |
| Net interest margin | 2.6944% | 7,126 |
| Noninterest income to average assets | 1.5410% | 619 |
| Noninterest expense to average assets | 3.5057% | 2,154 |
| Loan and lease loss provision to assets | 0.1286% | 5,880 |
| Net operating income to assets | 0.3550% | 4,723 |
| Return on assets (ROA) | 0.5508% | 4,037 |
| Pretax return on assets | 0.6508% | 4,164 |
| Return on Equity (ROE) | 5.3901% | 3,907 |
| Retained earnings to average equity (ytd only) | 3.7270% | 3,257 |
| Net charge-offs to loans | 0.0132% | 6,698 |
| Credit loss provision to net charge-offs | 2,187.5000% | 104 |
| Earnings coverage of net charge-offs (x) | 93.3750% | 256 |
| Efficiency ratio | 86.0567% | 1,692 |
| Assets per employee ($millions) | 3.2725% | 5,486 |
| Cash dividends to net income (ytd only)* | 30.8539% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5693% | 3,697 |
| Loan loss allowance to noncurrent loans | 198.2368% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.4178% | 6,229 |
| Noncurrent loans to loans | 0.7916% | 5,457 |
| Net loans and leases to total assets | 44.8939% | 6,646 |
| Net loans and leases to deposits | 54.0521% | 6,605 |
| Net loans and leases to core deposits | 56.4953% | 6,669 |
| Total domestic deposits to total assets | 83.0567% | 4,773 |
| Equity capital to assets | 10.2080% | 3,491 |
| Core capital (leverage) ratio | 9.8121% | 3,300 |
| Tier 1 risk-based capital ratio | 17.1175% | 2,307 |
| Total risk-based capital ratio | 18.3599% | 2,281 |
| Memoranda: | ||
| Average total assets | $544,252,600 | 1,233 |
| Average earning assets | $507,764,800 | 1,209 |
| Average equity | $55,621,000 | 1,199 |
| Average total loans | $243,094,200 | 1,803 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6813% | 7,455 |
| Cost of funding earning assets | 1.0063% | 5,910 |
| Net interest margin | 2.6750% | 7,261 |
| Noninterest income to average assets | 1.3751% | 715 |
| Noninterest expense to average assets | 3.3910% | 2,323 |
| Loan and lease loss provision to assets | 0.1719% | 5,321 |
| Net operating income to assets | 0.2992% | 5,175 |
| Return on assets (ROA) | 0.4170% | 4,846 |
| Pretax return on assets | 0.4472% | 5,083 |
| Return on Equity (ROE) | 4.0795% | 4,738 |
| Retained earnings to average equity (ytd only) | 2.5347% | 4,646 |
| Net charge-offs to loans | 0.0044% | 6,610 |
| Credit loss provision to net charge-offs | 8,750.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 250.5408% | 131 |
| Efficiency ratio | 87.2059% | 1,514 |
| Assets per employee ($millions) | 3.1648% | 5,764 |
| Cash dividends to net income (ytd only)* | 37.8681% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6531% | 3,321 |
| Loan loss allowance to noncurrent loans | 175.0221% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.5108% | 6,149 |
| Noncurrent loans to loans | 0.9445% | 5,345 |
| Net loans and leases to total assets | 44.2986% | 6,815 |
| Net loans and leases to deposits | 54.5159% | 6,728 |
| Net loans and leases to core deposits | 56.8746% | 6,795 |
| Total domestic deposits to total assets | 81.2581% | 5,279 |
| Equity capital to assets | 10.7077% | 3,283 |
| Core capital (leverage) ratio | 9.7880% | 3,505 |
| Tier 1 risk-based capital ratio | 17.7730% | 2,087 |
| Total risk-based capital ratio | 19.0239% | 2,052 |
| Memoranda: | ||
| Average total assets | $542,869,000 | 1,251 |
| Average earning assets | $509,047,750 | 1,220 |
| Average equity | $55,495,750 | 1,201 |
| Average total loans | $241,178,750 | 1,836 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6838% | 7,540 |
| Cost of funding earning assets | 1.0168% | 6,065 |
| Net interest margin | 2.6670% | 7,287 |
| Noninterest income to average assets | 1.3319% | 714 |
| Noninterest expense to average assets | 3.2338% | 2,788 |
| Loan and lease loss provision to assets | 0.2561% | 4,372 |
| Net operating income to assets | 0.3233% | 5,096 |
| Return on assets (ROA) | 0.4951% | 4,508 |
| Pretax return on assets | 0.5415% | 4,771 |
| Return on Equity (ROE) | 4.9185% | 4,326 |
| Retained earnings to average equity (ytd only) | 3.6062% | 3,802 |
| Net charge-offs to loans | 0.3955% | 3,394 |
| Credit loss provision to net charge-offs | 146.4435% | 2,700 |
| Earnings coverage of net charge-offs (x) | 3.4812% | 3,306 |
| Efficiency ratio | 84.0411% | 1,919 |
| Assets per employee ($millions) | 3.1429% | 5,808 |
| Cash dividends to net income (ytd only)* | 26.6814% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 4,244 |
| Loan loss allowance to noncurrent loans | 257.4908% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.3381% | 6,578 |
| Noncurrent loans to loans | 0.5586% | 6,134 |
| Net loans and leases to total assets | 45.0126% | 6,850 |
| Net loans and leases to deposits | 55.1342% | 6,789 |
| Net loans and leases to core deposits | 57.5149% | 6,859 |
| Total domestic deposits to total assets | 81.6420% | 5,133 |
| Equity capital to assets | 10.5119% | 3,397 |
| Core capital (leverage) ratio | 9.9763% | 3,189 |
| Tier 1 risk-based capital ratio | 17.7467% | 2,018 |
| Total risk-based capital ratio | 18.9134% | 2,023 |
| Memoranda: | ||
| Average total assets | $546,594,670 | 1,247 |
| Average earning assets | $514,579,670 | 1,204 |
| Average equity | $55,017,000 | 1,203 |
| Average total loans | $241,741,330 | 1,859 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5571% | 7,692 |
| Cost of funding earning assets | 1.0127% | 6,318 |
| Net interest margin | 2.5444% | 7,436 |
| Noninterest income to average assets | 1.2982% | 716 |
| Noninterest expense to average assets | 3.0733% | 3,375 |
| Loan and lease loss provision to assets | 0.5051% | 2,470 |
| Net operating income to assets | 0.2417% | 5,534 |
| Return on assets (ROA) | 0.2417% | 5,652 |
| Pretax return on assets | 0.1364% | 6,045 |
| Return on Equity (ROE) | 2.4538% | 5,574 |
| Retained earnings to average equity (ytd only) | 1.1280% | 5,366 |
| Net charge-offs to loans | 0.1011% | 4,406 |
| Credit loss provision to net charge-offs | 1,147.5410% | 419 |
| Earnings coverage of net charge-offs (x) | 14.5738% | 1,422 |
| Efficiency ratio | 82.7312% | 2,172 |
| Assets per employee ($millions) | 3.2958% | 5,553 |
| Cash dividends to net income (ytd only)* | 54.0299% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6143% | 3,381 |
| Loan loss allowance to noncurrent loans | 138.1677% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.5328% | 6,171 |
| Noncurrent loans to loans | 1.1684% | 5,025 |
| Net loans and leases to total assets | 44.8624% | 6,913 |
| Net loans and leases to deposits | 56.2916% | 6,752 |
| Net loans and leases to core deposits | 59.4881% | 6,781 |
| Total domestic deposits to total assets | 79.6965% | 5,886 |
| Equity capital to assets | 10.3111% | 3,461 |
| Core capital (leverage) ratio | 9.7236% | 3,484 |
| Tier 1 risk-based capital ratio | 17.7089% | 2,018 |
| Total risk-based capital ratio | 18.9597% | 1,994 |
| Memoranda: | ||
| Average total assets | $554,321,000 | 1,252 |
| Average earning assets | $526,499,500 | 1,209 |
| Average equity | $54,609,000 | 1,223 |
| Average total loans | $241,327,000 | 1,916 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9060% | 7,730 |
| Cost of funding earning assets | 1.1885% | 6,693 |
| Net interest margin | 2.7175% | 7,190 |
| Noninterest income to average assets | 1.4461% | 695 |
| Noninterest expense to average assets | 3.2218% | 3,309 |
| Loan and lease loss provision to assets | 0.3523% | 4,690 |
| Net operating income to assets | 0.3786% | 4,214 |
| Return on assets (ROA) | 0.6799% | 3,071 |
| Pretax return on assets | 0.8212% | 3,181 |
| Return on Equity (ROE) | 6.6469% | 2,933 |
| Retained earnings to average equity (ytd only) | 4.1662% | 2,300 |
| Net charge-offs to loans | 1.0620% | 2,289 |
| Credit loss provision to net charge-offs | 68.8645% | 6,516 |
| Earnings coverage of net charge-offs (x) | 1.5842% | 4,554 |
| Efficiency ratio | 79.9005% | 2,905 |
| Assets per employee ($millions) | 3.6126% | 4,758 |
| Cash dividends to net income (ytd only)* | 37.3208% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3573% | 4,443 |
| Loan loss allowance to noncurrent loans | 105.1835% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 1.0747% | 4,945 |
| Noncurrent loans to loans | 1.2904% | 4,770 |
| Net loans and leases to total assets | 41.0766% | 7,298 |
| Net loans and leases to deposits | 51.5898% | 7,168 |
| Net loans and leases to core deposits | 59.4517% | 7,285 |
| Total domestic deposits to total assets | 79.6216% | 5,806 |
| Equity capital to assets | 9.4296% | 4,514 |
| Core capital (leverage) ratio | 9.8709% | 3,242 |
| Tier 1 risk-based capital ratio | 17.7431% | 1,960 |
| Total risk-based capital ratio | 18.8408% | 1,961 |
| Memoranda: | ||
| Average total assets | $533,641,600 | 1,293 |
| Average earning assets | $507,858,000 | 1,241 |
| Average equity | $54,582,000 | 1,206 |
| Average total loans | $257,073,000 | 1,852 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0482% | 7,789 |
| Cost of funding earning assets | 1.2251% | 6,821 |
| Net interest margin | 2.8231% | 7,019 |
| Noninterest income to average assets | 1.4118% | 758 |
| Noninterest expense to average assets | 3.3461% | 2,738 |
| Loan and lease loss provision to assets | 0.2118% | 5,292 |
| Net operating income to assets | 0.4313% | 4,272 |
| Return on assets (ROA) | 0.8267% | 2,765 |
| Pretax return on assets | 1.0352% | 2,791 |
| Return on Equity (ROE) | 7.9117% | 2,679 |
| Retained earnings to average equity (ytd only) | 7.9117% | 1,163 |
| Net charge-offs to loans | 0.4008% | 3,660 |
| Credit loss provision to net charge-offs | 105.7325% | 4,809 |
| Earnings coverage of net charge-offs (x) | 3.7580% | 3,394 |
| Efficiency ratio | 81.6360% | 2,632 |
| Assets per employee ($millions) | 3.1913% | 5,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5924% | 3,022 |
| Loan loss allowance to noncurrent loans | 41.0454% | 5,594 |
| Noncurrent assets plus other real estate owned to assets | 1.9374% | 3,438 |
| Noncurrent loans to loans | 3.8797% | 1,906 |
| Net loans and leases to total assets | 49.1424% | 6,854 |
| Net loans and leases to deposits | 61.9986% | 6,673 |
| Net loans and leases to core deposits | 72.4899% | 6,815 |
| Total domestic deposits to total assets | 79.2637% | 5,704 |
| Equity capital to assets | 10.6709% | 3,320 |
| Core capital (leverage) ratio | 10.6940% | 2,639 |
| Tier 1 risk-based capital ratio | 17.8215% | 2,042 |
| Total risk-based capital ratio | 19.0733% | 1,989 |
| Memoranda: | ||
| Average total assets | $522,547,000 | 1,334 |
| Average earning assets | $497,365,250 | 1,280 |
| Average equity | $54,601,250 | 1,223 |
| Average total loans | $261,166,750 | 1,845 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1372% | 7,858 |
| Cost of funding earning assets | 1.2428% | 6,983 |
| Net interest margin | 2.8943% | 6,815 |
| Noninterest income to average assets | 1.4134% | 751 |
| Noninterest expense to average assets | 3.3508% | 2,786 |
| Loan and lease loss provision to assets | 0.1838% | 5,196 |
| Net operating income to assets | 0.4989% | 4,096 |
| Return on assets (ROA) | 0.8716% | 2,674 |
| Pretax return on assets | 1.1010% | 2,633 |
| Return on Equity (ROE) | 8.4008% | 2,612 |
| Retained earnings to average equity (ytd only) | 8.4008% | 1,091 |
| Net charge-offs to loans | 0.1953% | 4,318 |
| Credit loss provision to net charge-offs | 188.2353% | 2,427 |
| Earnings coverage of net charge-offs (x) | 8.3255% | 2,276 |
| Efficiency ratio | 80.4746% | 2,966 |
| Assets per employee ($millions) | 3.1208% | 5,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6555% | 2,505 |
| Loan loss allowance to noncurrent loans | 51.1004% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 1.6402% | 3,746 |
| Noncurrent loans to loans | 3.2397% | 2,194 |
| Net loans and leases to total assets | 49.7895% | 6,892 |
| Net loans and leases to deposits | 67.1740% | 6,275 |
| Net loans and leases to core deposits | 78.4192% | 6,523 |
| Total domestic deposits to total assets | 74.1202% | 6,937 |
| Equity capital to assets | 10.5610% | 3,328 |
| Core capital (leverage) ratio | 10.0942% | 3,194 |
| Tier 1 risk-based capital ratio | 17.3049% | 2,209 |
| Total risk-based capital ratio | 18.5570% | 2,147 |
| Memoranda: | ||
| Average total assets | $522,270,330 | 1,352 |
| Average earning assets | $496,282,330 | 1,306 |
| Average equity | $54,185,330 | 1,237 |
| Average total loans | $261,101,670 | 1,880 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1497% | 7,924 |
| Cost of funding earning assets | 1.2481% | 7,177 |
| Net interest margin | 2.9016% | 6,741 |
| Noninterest income to average assets | 1.5386% | 585 |
| Noninterest expense to average assets | 3.3838% | 2,402 |
| Loan and lease loss provision to assets | 0.2899% | 3,635 |
| Net operating income to assets | 0.4978% | 4,429 |
| Return on assets (ROA) | 0.9299% | 2,715 |
| Pretax return on assets | 1.1747% | 2,702 |
| Return on Equity (ROE) | 9.0426% | 2,698 |
| Retained earnings to average equity (ytd only) | 9.0426% | 1,470 |
| Net charge-offs to loans | 0.3240% | 2,796 |
| Credit loss provision to net charge-offs | 180.0948% | 2,411 |
| Earnings coverage of net charge-offs (x) | 5.7014% | 2,621 |
| Efficiency ratio | 78.6664% | 3,056 |
| Assets per employee ($millions) | 3.2508% | 5,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6256% | 2,421 |
| Loan loss allowance to noncurrent loans | 1,428.6667% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0573% | 7,428 |
| Noncurrent loans to loans | 0.1138% | 7,202 |
| Net loans and leases to total assets | 49.5573% | 6,897 |
| Net loans and leases to deposits | 70.7626% | 5,896 |
| Net loans and leases to core deposits | 82.4800% | 6,196 |
| Total domestic deposits to total assets | 70.0332% | 7,422 |
| Equity capital to assets | 10.3620% | 3,600 |
| Core capital (leverage) ratio | 9.7441% | 3,691 |
| Tier 1 risk-based capital ratio | 17.1873% | 2,282 |
| Total risk-based capital ratio | 18.4393% | 2,220 |
| Memoranda: | ||
| Average total assets | $524,381,000 | 1,350 |
| Average earning assets | $499,308,500 | 1,294 |
| Average equity | $53,922,500 | 1,255 |
| Average total loans | $260,514,500 | 1,902 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2039% | 7,685 |
| Cost of funding earning assets | 2.0808% | 6,129 |
| Net interest margin | 3.1230% | 6,582 |
| Noninterest income to average assets | 1.5676% | 571 |
| Noninterest expense to average assets | 3.2121% | 3,291 |
| Loan and lease loss provision to assets | 0.9331% | 1,589 |
| Net operating income to assets | 0.3884% | 5,201 |
| Return on assets (ROA) | 0.3795% | 5,046 |
| Pretax return on assets | 0.3408% | 5,414 |
| Return on Equity (ROE) | 3.6088% | 4,993 |
| Retained earnings to average equity (ytd only) | 0.1308% | 5,154 |
| Net charge-offs to loans | 1.6253% | 695 |
| Credit loss provision to net charge-offs | 113.8816% | 4,742 |
| Earnings coverage of net charge-offs (x) | 1.5656% | 5,312 |
| Efficiency ratio | 71.4623% | 4,041 |
| Assets per employee ($millions) | 3.2232% | 5,419 |
| Cash dividends to net income (ytd only)* | 96.3768% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5996% | 2,250 |
| Loan loss allowance to noncurrent loans | 743.1408% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.1319% | 7,053 |
| Noncurrent loans to loans | 0.2153% | 6,747 |
| Net loans and leases to total assets | 48.2036% | 7,172 |
| Net loans and leases to deposits | 70.7068% | 6,200 |
| Net loans and leases to core deposits | 82.9277% | 6,386 |
| Total domestic deposits to total assets | 68.1739% | 7,453 |
| Equity capital to assets | 10.2044% | 3,804 |
| Core capital (leverage) ratio | 9.8423% | 3,597 |
| Tier 1 risk-based capital ratio | 17.0452% | 2,295 |
| Total risk-based capital ratio | 18.2970% | 2,250 |
| Memoranda: | ||
| Average total assets | $509,071,800 | 1,328 |
| Average earning assets | $477,164,800 | 1,295 |
| Average equity | $53,535,400 | 1,263 |
| Average total loans | $256,634,400 | 1,868 |