Home > The Stephenson National Bank and Trust > Performance and Condition Ratios
The Stephenson National Bank and Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6704% | 2,741 |
| Cost of funding earning assets | 1.7333% | 1,380 |
| Net interest margin | 2.9371% | 3,415 |
| Noninterest income to average assets | 1.2200% | 490 |
| Noninterest expense to average assets | 3.0484% | 1,047 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.9386% | 2,412 |
| Return on assets (ROA) | 0.5621% | 3,523 |
| Pretax return on assets | 0.5621% | 3,702 |
| Return on Equity (ROE) | 8.5400% | 2,881 |
| Retained earnings to average equity (ytd only) | 1.0875% | 3,816 |
| Net charge-offs to loans | 0.0269% | 1,781 |
| Credit loss provision to net charge-offs | 162.9921% | 1,391 |
| Earnings coverage of net charge-offs (x) | 48.3701% | 1,318 |
| Efficiency ratio | 76.0978% | 1,234 |
| Assets per employee ($millions) | 5.5930% | 3,167 |
| Cash dividends to net income (ytd only)* | 87.2654% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4034% | 1,384 |
| Loan loss allowance to noncurrent loans | 142.8025% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.7126% | 726 |
| Noncurrent loans to loans | 0.9828% | 753 |
| Net loans and leases to total assets | 71.4900% | 1,639 |
| Net loans and leases to deposits | 85.3301% | 1,665 |
| Net loans and leases to core deposits | 88.8758% | 2,123 |
| Total domestic deposits to total assets | 83.7800% | 2,682 |
| Equity capital to assets | 7.1599% | 3,870 |
| Core capital (leverage) ratio | 9.3058% | 3,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $663,536,000 | 1,361 |
| Average earning assets | $622,561,200 | 1,340 |
| Average equity | $43,679,800 | 1,769 |
| Average total loans | $471,966,200 | 1,289 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 88,020.0000% | 15 |
| Cost of funding earning assets | 199.0000% | 18 |
| Net interest margin | 6.0000% | 109 |
| Noninterest income to average assets | 0.0015% | 4,555 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 0.7441% | 3,182 |
| Pretax return on assets | 0.7955% | 3,341 |
| Return on Equity (ROE) | 11.5500% | 2,238 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0010% | 2,595 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 3.8242% | 4,593 |
| Assets per employee ($millions) | 0.0477% | 4,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 7.0000% | 4,546 |
| Equity capital to assets | 3,261.0000% | 35 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $675,000 | 4,629 |
| Average earning assets | $7,136 | 4,598 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 53,914.0000% | 15 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 83,021.0000% | 15 |
| Cost of funding earning assets | 181.0000% | 11 |
| Net interest margin | 5.0000% | 310 |
| Noninterest income to average assets | 0.0061% | 4,581 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 0.7072% | 3,333 |
| Pretax return on assets | 0.7793% | 3,444 |
| Return on Equity (ROE) | 10.9200% | 2,440 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0012% | 2,362 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 2,332 |
| Efficiency ratio | 3.5999% | 4,615 |
| Assets per employee ($millions) | 0.0555% | 4,620 |
| Cash dividends to net income (ytd only)* | 0.0407% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0003% | 4,544 |
| Total domestic deposits to total assets | 18.0000% | 4,559 |
| Equity capital to assets | 3,376.0000% | 41 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $491,000 | 4,658 |
| Average earning assets | $6,461 | 4,623 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4048% | 2,537 |
| Cost of funding earning assets | 1.4395% | 955 |
| Net interest margin | 2.9652% | 3,667 |
| Noninterest income to average assets | 1.1400% | 475 |
| Noninterest expense to average assets | 3.0244% | 1,022 |
| Loan and lease loss provision to assets | -0.0200% | 4,456 |
| Net operating income to assets | 0.8241% | 3,117 |
| Return on assets (ROA) | 0.6927% | 3,441 |
| Pretax return on assets | 0.7749% | 3,523 |
| Return on Equity (ROE) | 10.8500% | 2,537 |
| Retained earnings to average equity (ytd only) | 10.8461% | 1,506 |
| Net charge-offs to loans | -0.0017% | 3,398 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.4144% | 1,139 |
| Assets per employee ($millions) | 5.8725% | 2,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4125% | 1,574 |
| Loan loss allowance to noncurrent loans | 220.3679% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.4352% | 1,186 |
| Noncurrent loans to loans | 0.6410% | 1,175 |
| Net loans and leases to total assets | 66.9300% | 1,952 |
| Net loans and leases to deposits | 77.4872% | 1,998 |
| Net loans and leases to core deposits | 79.8635% | 2,267 |
| Total domestic deposits to total assets | 86.3800% | 2,485 |
| Equity capital to assets | 6.4787% | 4,034 |
| Core capital (leverage) ratio | 9.0914% | 3,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $671,607,000 | 1,359 |
| Average earning assets | $631,313,500 | 1,339 |
| Average equity | $42,891,000 | 1,802 |
| Average total loans | $465,374,000 | 1,300 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8605% | 2,095 |
| Cost of funding earning assets | 0.5179% | 1,280 |
| Net interest margin | 3.3425% | 2,443 |
| Noninterest income to average assets | 1.2700% | 417 |
| Noninterest expense to average assets | 2.9915% | 977 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 1.3622% | 1,236 |
| Return on assets (ROA) | 1.3622% | 1,193 |
| Pretax return on assets | 1.4413% | 1,654 |
| Return on Equity (ROE) | 18.8700% | 591 |
| Retained earnings to average equity (ytd only) | 4.7086% | 3,168 |
| Net charge-offs to loans | -0.1101% | 4,535 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.2837% | 2,049 |
| Assets per employee ($millions) | 5.5604% | 3,157 |
| Cash dividends to net income (ytd only)* | 75.0527% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6992% | 803 |
| Loan loss allowance to noncurrent loans | 266.6103% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.4510% | 1,130 |
| Noncurrent loans to loans | 0.6373% | 1,161 |
| Net loans and leases to total assets | 69.5600% | 1,677 |
| Net loans and leases to deposits | 81.0587% | 1,690 |
| Net loans and leases to core deposits | 83.2825% | 1,917 |
| Total domestic deposits to total assets | 85.8100% | 2,779 |
| Equity capital to assets | 6.2896% | 3,981 |
| Core capital (leverage) ratio | 9.2021% | 3,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $661,480,800 | 1,359 |
| Average earning assets | $621,893,200 | 1,349 |
| Average equity | $47,742,600 | 1,679 |
| Average total loans | $445,966,400 | 1,279 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7690% | 1,841 |
| Cost of funding earning assets | 0.3430% | 1,762 |
| Net interest margin | 3.4260% | 1,886 |
| Noninterest income to average assets | 1.2900% | 438 |
| Noninterest expense to average assets | 2.9866% | 920 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.3827% | 1,134 |
| Return on assets (ROA) | 1.3827% | 1,106 |
| Pretax return on assets | 1.4970% | 1,417 |
| Return on Equity (ROE) | 18.5700% | 570 |
| Retained earnings to average equity (ytd only) | 7.3848% | 2,239 |
| Net charge-offs to loans | -0.1507% | 4,592 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.6313% | 2,330 |
| Assets per employee ($millions) | 5.5200% | 3,194 |
| Cash dividends to net income (ytd only)* | 60.2269% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7885% | 746 |
| Loan loss allowance to noncurrent loans | 247.6435% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.5126% | 1,066 |
| Noncurrent loans to loans | 0.7222% | 1,129 |
| Net loans and leases to total assets | 68.5200% | 1,616 |
| Net loans and leases to deposits | 78.8942% | 1,645 |
| Net loans and leases to core deposits | 80.5526% | 1,863 |
| Total domestic deposits to total assets | 86.8500% | 2,812 |
| Equity capital to assets | 6.3144% | 3,834 |
| Core capital (leverage) ratio | 9.2231% | 3,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $662,819,000 | 1,362 |
| Average earning assets | $623,493,750 | 1,349 |
| Average equity | $49,361,250 | 1,660 |
| Average total loans | $441,389,500 | 1,279 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6604% | 1,653 |
| Cost of funding earning assets | 0.1839% | 3,129 |
| Net interest margin | 3.4765% | 1,379 |
| Noninterest income to average assets | 1.3096% | 419 |
| Noninterest expense to average assets | 2.9308% | 943 |
| Loan and lease loss provision to assets | 0.0451% | 1,769 |
| Net operating income to assets | 1.4913% | 732 |
| Return on assets (ROA) | 1.4913% | 710 |
| Pretax return on assets | 1.6041% | 926 |
| Return on Equity (ROE) | 19.0694% | 382 |
| Retained earnings to average equity (ytd only) | 7.5478% | 1,793 |
| Net charge-offs to loans | -0.2309% | 4,610 |
| Credit loss provision to net charge-offs | -29.8211% | 3,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4656% | 2,845 |
| Assets per employee ($millions) | 5.9031% | 2,831 |
| Cash dividends to net income (ytd only)* | 60.4196% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8256% | 777 |
| Loan loss allowance to noncurrent loans | 239.3055% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.5230% | 1,087 |
| Noncurrent loans to loans | 0.7629% | 1,128 |
| Net loans and leases to total assets | 67.3060% | 1,547 |
| Net loans and leases to deposits | 78.0490% | 1,537 |
| Net loans and leases to core deposits | 79.0842% | 1,774 |
| Total domestic deposits to total assets | 86.2356% | 3,185 |
| Equity capital to assets | 6.7889% | 3,885 |
| Core capital (leverage) ratio | 9.1508% | 3,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $664,797,667 | 1,369 |
| Average earning assets | $625,404,000 | 1,359 |
| Average equity | $51,989,000 | 1,632 |
| Average total loans | $435,747,333 | 1,287 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6705% | 1,340 |
| Cost of funding earning assets | 0.1529% | 3,470 |
| Net interest margin | 3.5176% | 1,059 |
| Noninterest income to average assets | 1.2922% | 429 |
| Noninterest expense to average assets | 2.8687% | 1,020 |
| Loan and lease loss provision to assets | 0.0896% | 922 |
| Net operating income to assets | 1.5365% | 584 |
| Return on assets (ROA) | 1.5365% | 580 |
| Pretax return on assets | 1.6458% | 762 |
| Return on Equity (ROE) | 18.4566% | 303 |
| Retained earnings to average equity (ytd only) | 8.8336% | 1,317 |
| Net charge-offs to loans | -0.4690% | 4,706 |
| Credit loss provision to net charge-offs | -29.8211% | 2,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7880% | 3,290 |
| Assets per employee ($millions) | 5.8788% | 2,919 |
| Cash dividends to net income (ytd only)* | 52.1384% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9077% | 732 |
| Loan loss allowance to noncurrent loans | 236.8862% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.5222% | 1,149 |
| Noncurrent loans to loans | 0.8053% | 1,179 |
| Net loans and leases to total assets | 63.4776% | 1,690 |
| Net loans and leases to deposits | 72.7062% | 1,724 |
| Net loans and leases to core deposits | 74.3855% | 1,909 |
| Total domestic deposits to total assets | 87.3069% | 2,811 |
| Equity capital to assets | 7.6967% | 3,800 |
| Core capital (leverage) ratio | 9.0964% | 3,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $669,572,000 | 1,368 |
| Average earning assets | $630,438,500 | 1,361 |
| Average equity | $55,741,500 | 1,581 |
| Average total loans | $429,009,500 | 1,297 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8122% | 1,839 |
| Cost of funding earning assets | 0.2327% | 3,108 |
| Net interest margin | 3.5795% | 1,524 |
| Noninterest income to average assets | 1.4437% | 538 |
| Noninterest expense to average assets | 2.8937% | 1,168 |
| Loan and lease loss provision to assets | 0.1674% | 696 |
| Net operating income to assets | 1.5903% | 837 |
| Return on assets (ROA) | 1.5309% | 991 |
| Pretax return on assets | 1.6803% | 1,201 |
| Return on Equity (ROE) | 16.2473% | 714 |
| Retained earnings to average equity (ytd only) | 4.2209% | 3,122 |
| Net charge-offs to loans | 0.0754% | 1,033 |
| Credit loss provision to net charge-offs | 343.7500% | 1,002 |
| Earnings coverage of net charge-offs (x) | 39.2906% | 1,451 |
| Efficiency ratio | 59.6955% | 3,197 |
| Assets per employee ($millions) | 5.8681% | 2,890 |
| Cash dividends to net income (ytd only)* | 74.0211% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7630% | 925 |
| Loan loss allowance to noncurrent loans | 165.3450% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.6914% | 924 |
| Noncurrent loans to loans | 1.0663% | 913 |
| Net loans and leases to total assets | 62.3238% | 1,902 |
| Net loans and leases to deposits | 76.1609% | 1,548 |
| Net loans and leases to core deposits | 78.3019% | 1,735 |
| Total domestic deposits to total assets | 81.8318% | 3,994 |
| Equity capital to assets | 8.9433% | 3,687 |
| Core capital (leverage) ratio | 8.6761% | 3,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $657,254,600 | 1,349 |
| Average earning assets | $617,488,800 | 1,343 |
| Average equity | $61,930,200 | 1,477 |
| Average total loans | $424,508,400 | 1,314 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8302% | 1,949 |
| Cost of funding earning assets | 0.2475% | 3,148 |
| Net interest margin | 3.5826% | 1,641 |
| Noninterest income to average assets | 1.4428% | 585 |
| Noninterest expense to average assets | 2.8026% | 1,334 |
| Loan and lease loss provision to assets | 0.2042% | 504 |
| Net operating income to assets | 1.6363% | 943 |
| Return on assets (ROA) | 1.6389% | 987 |
| Pretax return on assets | 1.8029% | 1,155 |
| Return on Equity (ROE) | 17.1678% | 744 |
| Retained earnings to average equity (ytd only) | 9.0043% | 1,692 |
| Net charge-offs to loans | 0.0044% | 2,181 |
| Credit loss provision to net charge-offs | 7,142.8571% | 111 |
| Earnings coverage of net charge-offs (x) | 701.0000% | 223 |
| Efficiency ratio | 57.7941% | 3,300 |
| Assets per employee ($millions) | 6.0187% | 2,674 |
| Cash dividends to net income (ytd only)* | 47.5514% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8485% | 849 |
| Loan loss allowance to noncurrent loans | 142.5446% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.8141% | 875 |
| Noncurrent loans to loans | 1.2968% | 835 |
| Net loans and leases to total assets | 61.6191% | 2,054 |
| Net loans and leases to deposits | 72.9047% | 1,970 |
| Net loans and leases to core deposits | 75.1579% | 2,127 |
| Total domestic deposits to total assets | 84.5200% | 3,292 |
| Equity capital to assets | 9.5009% | 3,369 |
| Core capital (leverage) ratio | 9.1025% | 3,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $652,859,000 | 1,370 |
| Average earning assets | $613,014,000 | 1,363 |
| Average equity | $62,324,500 | 1,486 |
| Average total loans | $423,602,500 | 1,340 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7839% | 2,111 |
| Cost of funding earning assets | 0.2598% | 3,189 |
| Net interest margin | 3.5241% | 1,790 |
| Noninterest income to average assets | 1.4326% | 593 |
| Noninterest expense to average assets | 2.7515% | 1,461 |
| Loan and lease loss provision to assets | 0.2161% | 498 |
| Net operating income to assets | 1.6071% | 1,036 |
| Return on assets (ROA) | 1.6110% | 1,085 |
| Pretax return on assets | 1.7740% | 1,291 |
| Return on Equity (ROE) | 16.8481% | 809 |
| Retained earnings to average equity (ytd only) | 9.9933% | 1,396 |
| Net charge-offs to loans | -0.0009% | 3,081 |
| Credit loss provision to net charge-offs | -35,000.0000% | 4,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5600% | 3,337 |
| Assets per employee ($millions) | 5.7554% | 2,843 |
| Cash dividends to net income (ytd only)* | 40.6861% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7301% | 1,002 |
| Loan loss allowance to noncurrent loans | 141.7806% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.7959% | 1,019 |
| Noncurrent loans to loans | 1.2203% | 987 |
| Net loans and leases to total assets | 64.0974% | 1,937 |
| Net loans and leases to deposits | 77.6787% | 1,663 |
| Net loans and leases to core deposits | 80.2577% | 1,866 |
| Total domestic deposits to total assets | 82.5161% | 3,817 |
| Equity capital to assets | 9.5656% | 3,273 |
| Core capital (leverage) ratio | 8.9282% | 3,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $647,787,333 | 1,372 |
| Average earning assets | $607,475,333 | 1,367 |
| Average equity | $61,941,667 | 1,489 |
| Average total loans | $424,998,667 | 1,342 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7315% | 2,284 |
| Cost of funding earning assets | 0.2713% | 3,257 |
| Net interest margin | 3.4602% | 1,935 |
| Noninterest income to average assets | 1.4964% | 605 |
| Noninterest expense to average assets | 2.7324% | 1,539 |
| Loan and lease loss provision to assets | 0.2497% | 422 |
| Net operating income to assets | 1.5350% | 1,253 |
| Return on assets (ROA) | 1.5426% | 1,299 |
| Pretax return on assets | 1.7629% | 1,371 |
| Return on Equity (ROE) | 16.1354% | 989 |
| Retained earnings to average equity (ytd only) | 12.9423% | 922 |
| Net charge-offs to loans | 0.0028% | 1,818 |
| Credit loss provision to net charge-offs | 13,333.3333% | 40 |
| Earnings coverage of net charge-offs (x) | 1,070.0000% | 88 |
| Efficiency ratio | 57.1636% | 3,408 |
| Assets per employee ($millions) | 5.8725% | 2,724 |
| Cash dividends to net income (ytd only)* | 19.7896% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6661% | 1,128 |
| Loan loss allowance to noncurrent loans | 122.4197% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 0.9317% | 906 |
| Noncurrent loans to loans | 1.3610% | 940 |
| Net loans and leases to total assets | 64.8635% | 1,933 |
| Net loans and leases to deposits | 78.2870% | 1,691 |
| Net loans and leases to core deposits | 80.7672% | 1,937 |
| Total domestic deposits to total assets | 82.8535% | 3,722 |
| Equity capital to assets | 9.3095% | 3,380 |
| Core capital (leverage) ratio | 9.0625% | 3,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $640,745,000 | 1,374 |
| Average earning assets | $599,971,500 | 1,373 |
| Average equity | $61,256,500 | 1,487 |
| Average total loans | $421,642,000 | 1,355 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3329% | 1,767 |
| Cost of funding earning assets | 0.4892% | 3,018 |
| Net interest margin | 3.8437% | 1,378 |
| Noninterest income to average assets | 1.3798% | 611 |
| Noninterest expense to average assets | 2.9845% | 1,465 |
| Loan and lease loss provision to assets | 0.4237% | 698 |
| Net operating income to assets | 1.4559% | 910 |
| Return on assets (ROA) | 1.5330% | 801 |
| Pretax return on assets | 1.6394% | 982 |
| Return on Equity (ROE) | 15.0631% | 637 |
| Retained earnings to average equity (ytd only) | 4.0131% | 2,812 |
| Net charge-offs to loans | 0.1768% | 947 |
| Credit loss provision to net charge-offs | 357.1429% | 1,560 |
| Earnings coverage of net charge-offs (x) | 16.7000% | 2,115 |
| Efficiency ratio | 59.5577% | 3,511 |
| Assets per employee ($millions) | 5.6724% | 2,660 |
| Cash dividends to net income (ytd only)* | 73.3584% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6373% | 1,202 |
| Loan loss allowance to noncurrent loans | 184.4875% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.6208% | 1,698 |
| Noncurrent loans to loans | 0.8875% | 1,591 |
| Net loans and leases to total assets | 64.5671% | 2,285 |
| Net loans and leases to deposits | 80.3057% | 1,832 |
| Net loans and leases to core deposits | 83.0909% | 2,116 |
| Total domestic deposits to total assets | 80.4016% | 3,979 |
| Equity capital to assets | 9.8198% | 3,297 |
| Core capital (leverage) ratio | 8.8618% | 3,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $590,091,400 | 1,347 |
| Average earning assets | $550,483,000 | 1,348 |
| Average equity | $60,054,000 | 1,443 |
| Average total loans | $395,874,400 | 1,371 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2866% | 2,140 |
| Cost of funding earning assets | 0.5446% | 2,964 |
| Net interest margin | 3.7420% | 1,791 |
| Noninterest income to average assets | 1.3427% | 607 |
| Noninterest expense to average assets | 2.8865% | 1,735 |
| Loan and lease loss provision to assets | 0.4021% | 873 |
| Net operating income to assets | 1.5371% | 839 |
| Return on assets (ROA) | 1.6628% | 700 |
| Pretax return on assets | 1.6709% | 1,025 |
| Return on Equity (ROE) | 16.1847% | 531 |
| Retained earnings to average equity (ytd only) | 5.8736% | 2,156 |
| Net charge-offs to loans | 0.0163% | 2,548 |
| Credit loss provision to net charge-offs | 3,645.8333% | 292 |
| Earnings coverage of net charge-offs (x) | 176.5417% | 532 |
| Efficiency ratio | 59.1443% | 3,501 |
| Assets per employee ($millions) | 5.8154% | 2,432 |
| Cash dividends to net income (ytd only)* | 63.7092% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5280% | 1,307 |
| Loan loss allowance to noncurrent loans | 161.1648% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.6908% | 1,681 |
| Noncurrent loans to loans | 0.9481% | 1,592 |
| Net loans and leases to total assets | 67.8029% | 2,274 |
| Net loans and leases to deposits | 86.0975% | 1,695 |
| Net loans and leases to core deposits | 89.5452% | 2,013 |
| Total domestic deposits to total assets | 78.7513% | 4,093 |
| Equity capital to assets | 9.8461% | 3,385 |
| Core capital (leverage) ratio | 9.2124% | 3,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $580,204,750 | 1,348 |
| Average earning assets | $541,306,000 | 1,348 |
| Average equity | $59,610,250 | 1,443 |
| Average total loans | $391,516,500 | 1,378 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3680% | 2,287 |
| Cost of funding earning assets | 0.6342% | 2,789 |
| Net interest margin | 3.7339% | 2,042 |
| Noninterest income to average assets | 1.3334% | 582 |
| Noninterest expense to average assets | 2.9741% | 1,648 |
| Loan and lease loss provision to assets | 0.3735% | 1,119 |
| Net operating income to assets | 1.4497% | 1,024 |
| Return on assets (ROA) | 1.6411% | 756 |
| Pretax return on assets | 1.6493% | 1,106 |
| Return on Equity (ROE) | 15.7270% | 613 |
| Retained earnings to average equity (ytd only) | 5.8116% | 2,149 |
| Net charge-offs to loans | -0.0011% | 3,755 |
| Credit loss provision to net charge-offs | -52,500.0000% | 4,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2982% | 3,235 |
| Assets per employee ($millions) | 5.4064% | 2,731 |
| Cash dividends to net income (ytd only)* | 63.0472% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4777% | 1,337 |
| Loan loss allowance to noncurrent loans | 110.9268% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 0.9401% | 1,301 |
| Noncurrent loans to loans | 1.3321% | 1,157 |
| Net loans and leases to total assets | 65.7005% | 2,668 |
| Net loans and leases to deposits | 84.4530% | 1,944 |
| Net loans and leases to core deposits | 87.9342% | 2,249 |
| Total domestic deposits to total assets | 77.7954% | 4,214 |
| Equity capital to assets | 10.0746% | 3,136 |
| Core capital (leverage) ratio | 9.3654% | 3,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $562,312,000 | 1,369 |
| Average earning assets | $522,890,333 | 1,368 |
| Average equity | $58,676,000 | 1,452 |
| Average total loans | $376,535,333 | 1,409 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5552% | 2,138 |
| Cost of funding earning assets | 0.7702% | 2,545 |
| Net interest margin | 3.7850% | 2,036 |
| Noninterest income to average assets | 1.3539% | 489 |
| Noninterest expense to average assets | 2.9598% | 1,985 |
| Loan and lease loss provision to assets | 0.1859% | 1,612 |
| Net operating income to assets | 1.7085% | 507 |
| Return on assets (ROA) | 1.8193% | 439 |
| Pretax return on assets | 1.8267% | 659 |
| Return on Equity (ROE) | 17.0999% | 326 |
| Retained earnings to average equity (ytd only) | 5.3389% | 2,142 |
| Net charge-offs to loans | -0.0122% | 4,145 |
| Credit loss provision to net charge-offs | -2,272.7273% | 3,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2692% | 3,707 |
| Assets per employee ($millions) | 4.8264% | 2,842 |
| Cash dividends to net income (ytd only)* | 68.7781% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4251% | 1,608 |
| Loan loss allowance to noncurrent loans | 85.3272% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 1.1847% | 1,056 |
| Noncurrent loans to loans | 1.6702% | 914 |
| Net loans and leases to total assets | 66.3061% | 2,781 |
| Net loans and leases to deposits | 80.9057% | 2,589 |
| Net loans and leases to core deposits | 84.3692% | 2,819 |
| Total domestic deposits to total assets | 81.9548% | 3,435 |
| Equity capital to assets | 10.7770% | 3,070 |
| Core capital (leverage) ratio | 9.6176% | 3,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4787% | 2,081 |
| Memoranda: | ||
| Average total assets | $538,007,000 | 1,380 |
| Average earning assets | $498,599,000 | 1,384 |
| Average equity | $57,240,000 | 1,466 |
| Average total loans | $361,103,500 | 1,421 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5699% | 2,710 |
| Cost of funding earning assets | 0.9820% | 1,805 |
| Net interest margin | 3.5879% | 3,171 |
| Noninterest income to average assets | 1.2109% | 641 |
| Noninterest expense to average assets | 3.2172% | 1,482 |
| Loan and lease loss provision to assets | 0.1134% | 1,855 |
| Net operating income to assets | 1.1958% | 2,072 |
| Return on assets (ROA) | 1.1986% | 2,161 |
| Pretax return on assets | 1.2059% | 2,824 |
| Return on Equity (ROE) | 11.7703% | 1,596 |
| Retained earnings to average equity (ytd only) | 2.3993% | 3,821 |
| Net charge-offs to loans | 0.1218% | 1,537 |
| Credit loss provision to net charge-offs | 143.8849% | 1,788 |
| Earnings coverage of net charge-offs (x) | 16.7074% | 2,148 |
| Efficiency ratio | 70.2955% | 2,129 |
| Assets per employee ($millions) | 4.6142% | 3,071 |
| Cash dividends to net income (ytd only)* | 79.6153% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3978% | 1,526 |
| Loan loss allowance to noncurrent loans | 104.6125% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 0.9575% | 1,319 |
| Noncurrent loans to loans | 1.3361% | 1,119 |
| Net loans and leases to total assets | 66.0327% | 2,948 |
| Net loans and leases to deposits | 81.8687% | 2,573 |
| Net loans and leases to core deposits | 85.8695% | 2,799 |
| Total domestic deposits to total assets | 80.6569% | 3,842 |
| Equity capital to assets | 10.4977% | 3,446 |
| Core capital (leverage) ratio | 9.7486% | 3,792 |
| Tier 1 risk-based capital ratio | 13.1146% | 3,736 |
| Total risk-based capital ratio | 14.3651% | 3,618 |
| Memoranda: | ||
| Average total assets | $529,214,400 | 1,356 |
| Average earning assets | $490,118,400 | 1,354 |
| Average equity | $53,889,800 | 1,497 |
| Average total loans | $342,411,600 | 1,453 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5795% | 2,793 |
| Cost of funding earning assets | 1.0254% | 1,655 |
| Net interest margin | 3.5541% | 3,391 |
| Noninterest income to average assets | 1.1494% | 689 |
| Noninterest expense to average assets | 3.1987% | 1,472 |
| Loan and lease loss provision to assets | 0.0882% | 2,141 |
| Net operating income to assets | 1.1481% | 2,376 |
| Return on assets (ROA) | 1.1494% | 2,459 |
| Pretax return on assets | 1.1534% | 3,123 |
| Return on Equity (ROE) | 11.3753% | 1,853 |
| Retained earnings to average equity (ytd only) | 2.6099% | 4,045 |
| Net charge-offs to loans | 0.1046% | 1,426 |
| Credit loss provision to net charge-offs | 131.5789% | 1,807 |
| Earnings coverage of net charge-offs (x) | 18.4961% | 2,049 |
| Efficiency ratio | 71.3766% | 1,913 |
| Assets per employee ($millions) | 4.7008% | 2,919 |
| Cash dividends to net income (ytd only)* | 77.0564% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3998% | 1,577 |
| Loan loss allowance to noncurrent loans | 154.4906% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.7568% | 1,817 |
| Noncurrent loans to loans | 0.9061% | 1,767 |
| Net loans and leases to total assets | 64.5504% | 3,233 |
| Net loans and leases to deposits | 80.1132% | 2,886 |
| Net loans and leases to core deposits | 83.9027% | 3,099 |
| Total domestic deposits to total assets | 80.5739% | 3,853 |
| Equity capital to assets | 10.5961% | 3,476 |
| Core capital (leverage) ratio | 9.5741% | 4,085 |
| Tier 1 risk-based capital ratio | 13.3983% | 3,636 |
| Total risk-based capital ratio | 14.6489% | 3,533 |
| Memoranda: | ||
| Average total assets | $528,861,000 | 1,359 |
| Average earning assets | $489,529,500 | 1,357 |
| Average equity | $53,436,250 | 1,510 |
| Average total loans | $339,175,750 | 1,472 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5450% | 2,866 |
| Cost of funding earning assets | 1.0430% | 1,523 |
| Net interest margin | 3.5020% | 3,589 |
| Noninterest income to average assets | 1.1176% | 678 |
| Noninterest expense to average assets | 3.2563% | 1,373 |
| Loan and lease loss provision to assets | 0.0947% | 1,958 |
| Net operating income to assets | 1.0044% | 2,907 |
| Return on assets (ROA) | 0.9972% | 2,998 |
| Pretax return on assets | 0.9995% | 3,552 |
| Return on Equity (ROE) | 10.0331% | 2,366 |
| Retained earnings to average equity (ytd only) | 2.2749% | 4,025 |
| Net charge-offs to loans | 0.1493% | 1,044 |
| Credit loss provision to net charge-offs | 99.6016% | 2,010 |
| Earnings coverage of net charge-offs (x) | 11.5857% | 2,199 |
| Efficiency ratio | 74.0309% | 1,646 |
| Assets per employee ($millions) | 4.5747% | 3,032 |
| Cash dividends to net income (ytd only)* | 77.3262% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4105% | 1,575 |
| Loan loss allowance to noncurrent loans | 123.1780% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.9733% | 1,426 |
| Noncurrent loans to loans | 1.1451% | 1,420 |
| Net loans and leases to total assets | 63.0005% | 3,448 |
| Net loans and leases to deposits | 77.7638% | 3,168 |
| Net loans and leases to core deposits | 83.7438% | 3,127 |
| Total domestic deposits to total assets | 81.0152% | 3,806 |
| Equity capital to assets | 10.3521% | 3,647 |
| Core capital (leverage) ratio | 9.3419% | 4,319 |
| Tier 1 risk-based capital ratio | 13.3801% | 3,638 |
| Total risk-based capital ratio | 14.6304% | 3,540 |
| Memoranda: | ||
| Average total assets | $528,083,670 | 1,361 |
| Average earning assets | $488,583,670 | 1,360 |
| Average equity | $52,486,330 | 1,526 |
| Average total loans | $336,316,000 | 1,486 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4635% | 2,995 |
| Cost of funding earning assets | 1.0256% | 1,462 |
| Net interest margin | 3.4378% | 3,785 |
| Noninterest income to average assets | 1.2772% | 519 |
| Noninterest expense to average assets | 3.1709% | 1,572 |
| Loan and lease loss provision to assets | 0.1139% | 1,553 |
| Net operating income to assets | 1.1739% | 2,160 |
| Return on assets (ROA) | 1.1739% | 2,211 |
| Pretax return on assets | 1.1739% | 2,905 |
| Return on Equity (ROE) | 12.0635% | 1,509 |
| Retained earnings to average equity (ytd only) | 4.1278% | 3,265 |
| Net charge-offs to loans | 0.0549% | 1,500 |
| Credit loss provision to net charge-offs | 326.0870% | 781 |
| Earnings coverage of net charge-offs (x) | 36.8696% | 1,206 |
| Efficiency ratio | 70.4360% | 2,271 |
| Assets per employee ($millions) | 4.6330% | 3,001 |
| Cash dividends to net income (ytd only)* | 65.7827% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 1,524 |
| Loan loss allowance to noncurrent loans | 112.7566% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 1.1355% | 1,200 |
| Noncurrent loans to loans | 1.2806% | 1,278 |
| Net loans and leases to total assets | 62.6182% | 3,447 |
| Net loans and leases to deposits | 73.4953% | 3,487 |
| Net loans and leases to core deposits | 86.8439% | 2,791 |
| Total domestic deposits to total assets | 85.2002% | 2,600 |
| Equity capital to assets | 9.9298% | 3,891 |
| Core capital (leverage) ratio | 9.6309% | 3,994 |
| Tier 1 risk-based capital ratio | 13.3994% | 3,668 |
| Total risk-based capital ratio | 14.6501% | 3,572 |
| Memoranda: | ||
| Average total assets | $526,792,000 | 1,370 |
| Average earning assets | $487,514,000 | 1,371 |
| Average equity | $51,262,000 | 1,544 |
| Average total loans | $334,921,000 | 1,500 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4654% | 2,565 |
| Cost of funding earning assets | 0.8554% | 1,279 |
| Net interest margin | 3.6099% | 3,347 |
| Noninterest income to average assets | 1.3648% | 490 |
| Noninterest expense to average assets | 3.3520% | 1,222 |
| Loan and lease loss provision to assets | 0.1375% | 1,564 |
| Net operating income to assets | 1.2172% | 2,098 |
| Return on assets (ROA) | 1.2277% | 2,050 |
| Pretax return on assets | 1.2340% | 2,762 |
| Return on Equity (ROE) | 12.8286% | 1,404 |
| Retained earnings to average equity (ytd only) | 2.9455% | 3,931 |
| Net charge-offs to loans | 0.1897% | 1,009 |
| Credit loss provision to net charge-offs | 109.3750% | 2,350 |
| Earnings coverage of net charge-offs (x) | 10.8250% | 2,682 |
| Efficiency ratio | 70.4581% | 2,113 |
| Assets per employee ($millions) | 4.1663% | 3,661 |
| Cash dividends to net income (ytd only)* | 77.0400% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 1,473 |
| Loan loss allowance to noncurrent loans | 89.3871% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 1.4244% | 837 |
| Noncurrent loans to loans | 1.6153% | 904 |
| Net loans and leases to total assets | 62.7017% | 3,494 |
| Net loans and leases to deposits | 75.4467% | 3,391 |
| Net loans and leases to core deposits | 82.2772% | 3,237 |
| Total domestic deposits to total assets | 83.1072% | 3,290 |
| Equity capital to assets | 9.5275% | 4,107 |
| Core capital (leverage) ratio | 9.5178% | 4,095 |
| Tier 1 risk-based capital ratio | 13.6020% | 3,493 |
| Total risk-based capital ratio | 14.8528% | 3,401 |
| Memoranda: | ||
| Average total assets | $509,096,800 | 1,389 |
| Average earning assets | $472,167,600 | 1,380 |
| Average equity | $48,719,200 | 1,548 |
| Average total loans | $337,406,200 | 1,450 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4717% | 2,392 |
| Cost of funding earning assets | 0.8156% | 1,257 |
| Net interest margin | 3.6561% | 3,182 |
| Noninterest income to average assets | 1.4124% | 476 |
| Noninterest expense to average assets | 3.2512% | 1,407 |
| Loan and lease loss provision to assets | 0.1449% | 1,371 |
| Net operating income to assets | 1.4050% | 1,467 |
| Return on assets (ROA) | 1.4174% | 1,429 |
| Pretax return on assets | 1.4245% | 2,137 |
| Return on Equity (ROE) | 14.7944% | 922 |
| Retained earnings to average equity (ytd only) | 6.2384% | 2,530 |
| Net charge-offs to loans | 0.0094% | 3,084 |
| Credit loss provision to net charge-offs | 2,291.6667% | 184 |
| Earnings coverage of net charge-offs (x) | 246.2856% | 374 |
| Efficiency ratio | 66.9607% | 2,716 |
| Assets per employee ($millions) | 4.0457% | 3,811 |
| Cash dividends to net income (ytd only)* | 57.8331% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5579% | 1,179 |
| Loan loss allowance to noncurrent loans | 82.2884% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 1.7145% | 710 |
| Noncurrent loans to loans | 1.8932% | 798 |
| Net loans and leases to total assets | 64.5658% | 3,357 |
| Net loans and leases to deposits | 77.7889% | 3,254 |
| Net loans and leases to core deposits | 82.7841% | 3,269 |
| Total domestic deposits to total assets | 83.0012% | 3,308 |
| Equity capital to assets | 9.3601% | 4,217 |
| Core capital (leverage) ratio | 9.6891% | 3,953 |
| Tier 1 risk-based capital ratio | 13.5742% | 3,588 |
| Total risk-based capital ratio | 14.8264% | 3,491 |
| Memoranda: | ||
| Average total assets | $506,174,750 | 1,401 |
| Average earning assets | $470,141,750 | 1,389 |
| Average equity | $48,494,500 | 1,552 |
| Average total loans | $338,926,500 | 1,446 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4595% | 2,224 |
| Cost of funding earning assets | 0.7667% | 1,300 |
| Net interest margin | 3.6929% | 2,958 |
| Noninterest income to average assets | 1.4241% | 468 |
| Noninterest expense to average assets | 3.2985% | 1,327 |
| Loan and lease loss provision to assets | 0.1588% | 1,177 |
| Net operating income to assets | 1.3955% | 1,460 |
| Return on assets (ROA) | 1.3979% | 1,452 |
| Pretax return on assets | 1.4046% | 2,128 |
| Return on Equity (ROE) | 14.4772% | 962 |
| Retained earnings to average equity (ytd only) | 5.9430% | 2,590 |
| Net charge-offs to loans | 0.0100% | 2,780 |
| Credit loss provision to net charge-offs | 2,352.9412% | 176 |
| Earnings coverage of net charge-offs (x) | 231.2353% | 382 |
| Efficiency ratio | 67.2224% | 2,776 |
| Assets per employee ($millions) | 4.4660% | 3,175 |
| Cash dividends to net income (ytd only)* | 58.9489% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5093% | 1,370 |
| Loan loss allowance to noncurrent loans | 76.7854% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 1.5123% | 877 |
| Noncurrent loans to loans | 1.9656% | 768 |
| Net loans and leases to total assets | 64.8907% | 3,292 |
| Net loans and leases to deposits | 79.0862% | 3,044 |
| Net loans and leases to core deposits | 81.8797% | 3,255 |
| Total domestic deposits to total assets | 82.0506% | 3,705 |
| Equity capital to assets | 9.4031% | 4,188 |
| Core capital (leverage) ratio | 9.5712% | 4,026 |
| Tier 1 risk-based capital ratio | 13.4574% | 3,641 |
| Total risk-based capital ratio | 14.7097% | 3,556 |
| Memoranda: | ||
| Average total assets | $503,630,330 | 1,403 |
| Average earning assets | $468,522,670 | 1,396 |
| Average equity | $48,628,330 | 1,558 |
| Average total loans | $339,570,670 | 1,444 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4302% | 2,091 |
| Cost of funding earning assets | 0.6877% | 1,510 |
| Net interest margin | 3.7424% | 2,640 |
| Noninterest income to average assets | 1.4367% | 457 |
| Noninterest expense to average assets | 3.1998% | 1,563 |
| Loan and lease loss provision to assets | 0.2005% | 835 |
| Net operating income to assets | 1.5113% | 1,057 |
| Return on assets (ROA) | 1.5113% | 1,056 |
| Pretax return on assets | 1.5153% | 1,645 |
| Return on Equity (ROE) | 15.4439% | 721 |
| Retained earnings to average equity (ytd only) | 6.7792% | 2,375 |
| Net charge-offs to loans | 0.0106% | 2,363 |
| Credit loss provision to net charge-offs | 2,777.7778% | 140 |
| Earnings coverage of net charge-offs (x) | 237.6667% | 283 |
| Efficiency ratio | 64.4419% | 3,410 |
| Assets per employee ($millions) | 4.2589% | 3,550 |
| Cash dividends to net income (ytd only)* | 56.1040% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4594% | 1,618 |
| Loan loss allowance to noncurrent loans | 64.3385% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 1.6691% | 788 |
| Noncurrent loans to loans | 2.2684% | 646 |
| Net loans and leases to total assets | 66.7061% | 2,938 |
| Net loans and leases to deposits | 78.6933% | 2,944 |
| Net loans and leases to core deposits | 80.4102% | 3,291 |
| Total domestic deposits to total assets | 84.7672% | 3,012 |
| Equity capital to assets | 9.6063% | 3,989 |
| Core capital (leverage) ratio | 9.7088% | 3,834 |
| Tier 1 risk-based capital ratio | 13.4127% | 3,714 |
| Total risk-based capital ratio | 14.6643% | 3,622 |
| Memoranda: | ||
| Average total assets | $498,652,000 | 1,429 |
| Average earning assets | $463,549,000 | 1,422 |
| Average equity | $48,796,000 | 1,566 |
| Average total loans | $340,167,500 | 1,450 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3576% | 2,159 |
| Cost of funding earning assets | 0.5575% | 1,896 |
| Net interest margin | 3.8001% | 2,430 |
| Noninterest income to average assets | 1.3227% | 604 |
| Noninterest expense to average assets | 3.2063% | 1,595 |
| Loan and lease loss provision to assets | 0.2008% | 1,028 |
| Net operating income to assets | 1.4502% | 907 |
| Return on assets (ROA) | 1.4534% | 911 |
| Pretax return on assets | 1.4616% | 1,771 |
| Return on Equity (ROE) | 14.7368% | 649 |
| Retained earnings to average equity (ytd only) | 4.4359% | 2,495 |
| Net charge-offs to loans | 0.2872% | 914 |
| Credit loss provision to net charge-offs | 100.2004% | 2,553 |
| Earnings coverage of net charge-offs (x) | 8.2806% | 2,933 |
| Efficiency ratio | 65.2389% | 3,396 |
| Assets per employee ($millions) | 4.0888% | 3,828 |
| Cash dividends to net income (ytd only)* | 69.8992% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3889% | 1,812 |
| Loan loss allowance to noncurrent loans | 56.7107% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 1.7738% | 705 |
| Noncurrent loans to loans | 2.4490% | 555 |
| Net loans and leases to total assets | 67.7942% | 2,853 |
| Net loans and leases to deposits | 80.7219% | 2,842 |
| Net loans and leases to core deposits | 82.5792% | 3,194 |
| Total domestic deposits to total assets | 83.9848% | 3,215 |
| Equity capital to assets | 9.9677% | 3,740 |
| Core capital (leverage) ratio | 9.5067% | 4,043 |
| Tier 1 risk-based capital ratio | 13.3421% | 3,722 |
| Total risk-based capital ratio | 14.5928% | 3,627 |
| Memoranda: | ||
| Average total assets | $498,085,400 | 1,409 |
| Average earning assets | $464,361,600 | 1,402 |
| Average equity | $49,122,000 | 1,542 |
| Average total loans | $347,517,600 | 1,384 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3240% | 2,199 |
| Cost of funding earning assets | 0.5311% | 2,026 |
| Net interest margin | 3.7929% | 2,431 |
| Noninterest income to average assets | 1.3234% | 599 |
| Noninterest expense to average assets | 3.1269% | 1,729 |
| Loan and lease loss provision to assets | 0.1470% | 1,427 |
| Net operating income to assets | 1.5815% | 751 |
| Return on assets (ROA) | 1.5845% | 763 |
| Pretax return on assets | 1.5925% | 1,450 |
| Return on Equity (ROE) | 16.1087% | 519 |
| Retained earnings to average equity (ytd only) | 7.0667% | 1,659 |
| Net charge-offs to loans | 0.0168% | 3,177 |
| Credit loss provision to net charge-offs | 1,250.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 147.6697% | 545 |
| Efficiency ratio | 63.6354% | 3,618 |
| Assets per employee ($millions) | 4.5630% | 3,028 |
| Cash dividends to net income (ytd only)* | 56.1308% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5144% | 1,481 |
| Loan loss allowance to noncurrent loans | 49.4374% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 2.1138% | 597 |
| Noncurrent loans to loans | 3.0633% | 402 |
| Net loans and leases to total assets | 64.7915% | 3,285 |
| Net loans and leases to deposits | 78.3147% | 3,131 |
| Net loans and leases to core deposits | 81.4484% | 3,335 |
| Total domestic deposits to total assets | 82.7322% | 3,543 |
| Equity capital to assets | 9.6334% | 4,315 |
| Core capital (leverage) ratio | 9.3250% | 4,379 |
| Tier 1 risk-based capital ratio | 13.2432% | 3,851 |
| Total risk-based capital ratio | 14.4954% | 3,769 |
| Memoranda: | ||
| Average total assets | $498,919,500 | 1,415 |
| Average earning assets | $465,664,000 | 1,407 |
| Average equity | $49,073,750 | 1,553 |
| Average total loans | $349,363,250 | 1,391 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3365% | 2,014 |
| Cost of funding earning assets | 0.4928% | 2,230 |
| Net interest margin | 3.8438% | 2,114 |
| Noninterest income to average assets | 1.2984% | 615 |
| Noninterest expense to average assets | 3.1870% | 1,606 |
| Loan and lease loss provision to assets | 0.1224% | 1,692 |
| Net operating income to assets | 1.5668% | 758 |
| Return on assets (ROA) | 1.5668% | 781 |
| Pretax return on assets | 1.5749% | 1,418 |
| Return on Equity (ROE) | 15.8127% | 556 |
| Retained earnings to average equity (ytd only) | 7.9578% | 1,183 |
| Net charge-offs to loans | 0.0103% | 3,098 |
| Credit loss provision to net charge-offs | 1,666.6667% | 247 |
| Earnings coverage of net charge-offs (x) | 231.1667% | 366 |
| Efficiency ratio | 64.5816% | 3,575 |
| Assets per employee ($millions) | 4.3425% | 3,359 |
| Cash dividends to net income (ytd only)* | 49.6746% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4183% | 1,869 |
| Loan loss allowance to noncurrent loans | 83.6230% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 1.2601% | 1,328 |
| Noncurrent loans to loans | 1.6960% | 1,072 |
| Net loans and leases to total assets | 68.4586% | 2,741 |
| Net loans and leases to deposits | 81.8917% | 2,713 |
| Net loans and leases to core deposits | 84.8427% | 2,983 |
| Total domestic deposits to total assets | 83.5965% | 3,365 |
| Equity capital to assets | 9.8633% | 4,072 |
| Core capital (leverage) ratio | 9.7531% | 3,831 |
| Tier 1 risk-based capital ratio | 13.2937% | 3,804 |
| Total risk-based capital ratio | 14.5456% | 3,725 |
| Memoranda: | ||
| Average total assets | $490,311,000 | 1,443 |
| Average earning assets | $457,414,670 | 1,432 |
| Average equity | $48,581,330 | 1,573 |
| Average total loans | $350,745,000 | 1,390 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3496% | 1,818 |
| Cost of funding earning assets | 0.4735% | 2,323 |
| Net interest margin | 3.8761% | 1,868 |
| Noninterest income to average assets | 1.2953% | 607 |
| Noninterest expense to average assets | 3.1456% | 1,749 |
| Loan and lease loss provision to assets | 0.1246% | 1,540 |
| Net operating income to assets | 1.6301% | 641 |
| Return on assets (ROA) | 1.6301% | 657 |
| Pretax return on assets | 1.6368% | 1,154 |
| Return on Equity (ROE) | 16.4131% | 473 |
| Retained earnings to average equity (ytd only) | 8.6332% | 1,220 |
| Net charge-offs to loans | -0.0092% | 4,386 |
| Credit loss provision to net charge-offs | -1,875.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4270% | 3,926 |
| Assets per employee ($millions) | 4.9343% | 2,531 |
| Cash dividends to net income (ytd only)* | 47.4006% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 2,078 |
| Loan loss allowance to noncurrent loans | 75.3319% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 1.4149% | 1,172 |
| Noncurrent loans to loans | 1.8572% | 997 |
| Net loans and leases to total assets | 71.1244% | 2,197 |
| Net loans and leases to deposits | 85.9720% | 2,035 |
| Net loans and leases to core deposits | 87.9756% | 2,548 |
| Total domestic deposits to total assets | 82.7298% | 3,938 |
| Equity capital to assets | 10.0387% | 3,708 |
| Core capital (leverage) ratio | 9.8104% | 3,745 |
| Tier 1 risk-based capital ratio | 13.2413% | 3,914 |
| Total risk-based capital ratio | 14.4930% | 3,838 |
| Memoranda: | ||
| Average total assets | $481,429,000 | 1,470 |
| Average earning assets | $448,592,000 | 1,458 |
| Average equity | $47,815,500 | 1,589 |
| Average total loans | $349,705,000 | 1,402 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4204% | 1,770 |
| Cost of funding earning assets | 0.4765% | 2,292 |
| Net interest margin | 3.9439% | 1,811 |
| Noninterest income to average assets | 1.3185% | 657 |
| Noninterest expense to average assets | 3.2161% | 1,751 |
| Loan and lease loss provision to assets | 0.1676% | 1,460 |
| Net operating income to assets | 1.5993% | 683 |
| Return on assets (ROA) | 1.5855% | 731 |
| Pretax return on assets | 1.5928% | 1,308 |
| Return on Equity (ROE) | 15.7097% | 536 |
| Retained earnings to average equity (ytd only) | 5.7515% | 1,851 |
| Net charge-offs to loans | 0.1655% | 1,634 |
| Credit loss provision to net charge-offs | 140.3509% | 1,951 |
| Earnings coverage of net charge-offs (x) | 14.8544% | 2,258 |
| Efficiency ratio | 63.7692% | 3,982 |
| Assets per employee ($millions) | 4.1678% | 3,669 |
| Cash dividends to net income (ytd only)* | 63.3888% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3468% | 2,317 |
| Loan loss allowance to noncurrent loans | 69.5332% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 1.4565% | 1,163 |
| Noncurrent loans to loans | 1.9370% | 947 |
| Net loans and leases to total assets | 72.1636% | 2,147 |
| Net loans and leases to deposits | 88.2243% | 1,892 |
| Net loans and leases to core deposits | 90.2557% | 2,480 |
| Total domestic deposits to total assets | 81.7956% | 4,132 |
| Equity capital to assets | 9.8244% | 3,913 |
| Core capital (leverage) ratio | 9.4830% | 4,106 |
| Tier 1 risk-based capital ratio | 13.0152% | 4,068 |
| Total risk-based capital ratio | 14.2663% | 3,973 |
| Memoranda: | ||
| Average total assets | $477,197,400 | 1,439 |
| Average earning assets | $444,278,800 | 1,431 |
| Average equity | $48,161,400 | 1,574 |
| Average total loans | $344,437,000 | 1,356 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4149% | 1,816 |
| Cost of funding earning assets | 0.4767% | 2,305 |
| Net interest margin | 3.9382% | 1,861 |
| Noninterest income to average assets | 1.2657% | 724 |
| Noninterest expense to average assets | 3.1831% | 1,819 |
| Loan and lease loss provision to assets | 0.1259% | 1,853 |
| Net operating income to assets | 1.6170% | 707 |
| Return on assets (ROA) | 1.6262% | 729 |
| Pretax return on assets | 1.6332% | 1,290 |
| Return on Equity (ROE) | 16.0063% | 545 |
| Retained earnings to average equity (ytd only) | 8.3005% | 1,045 |
| Net charge-offs to loans | 0.0362% | 2,906 |
| Credit loss provision to net charge-offs | 483.8710% | 730 |
| Earnings coverage of net charge-offs (x) | 67.2671% | 880 |
| Efficiency ratio | 63.5235% | 3,997 |
| Assets per employee ($millions) | 4.3816% | 3,281 |
| Cash dividends to net income (ytd only)* | 48.1424% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4001% | 2,203 |
| Loan loss allowance to noncurrent loans | 61.8180% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 1.6257% | 1,068 |
| Noncurrent loans to loans | 2.2649% | 820 |
| Net loans and leases to total assets | 68.9689% | 2,646 |
| Net loans and leases to deposits | 88.3617% | 1,971 |
| Net loans and leases to core deposits | 90.7638% | 2,501 |
| Total domestic deposits to total assets | 78.0530% | 4,904 |
| Equity capital to assets | 10.2046% | 3,909 |
| Core capital (leverage) ratio | 9.4374% | 4,275 |
| Tier 1 risk-based capital ratio | 13.3308% | 3,963 |
| Total risk-based capital ratio | 14.5831% | 3,873 |
| Memoranda: | ||
| Average total assets | $476,672,500 | 1,439 |
| Average earning assets | $443,877,500 | 1,436 |
| Average equity | $48,429,750 | 1,568 |
| Average total loans | $342,896,250 | 1,360 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4505% | 1,674 |
| Cost of funding earning assets | 0.4728% | 2,339 |
| Net interest margin | 3.9777% | 1,709 |
| Noninterest income to average assets | 1.2101% | 771 |
| Noninterest expense to average assets | 3.2878% | 1,615 |
| Loan and lease loss provision to assets | 0.1275% | 1,785 |
| Net operating income to assets | 1.4894% | 913 |
| Return on assets (ROA) | 1.4971% | 938 |
| Pretax return on assets | 1.5034% | 1,662 |
| Return on Equity (ROE) | 14.7576% | 710 |
| Retained earnings to average equity (ytd only) | 7.5799% | 1,347 |
| Net charge-offs to loans | 0.0105% | 3,345 |
| Credit loss provision to net charge-offs | 1,666.6667% | 240 |
| Earnings coverage of net charge-offs (x) | 212.1667% | 308 |
| Efficiency ratio | 66.2541% | 3,644 |
| Assets per employee ($millions) | 4.1378% | 3,670 |
| Cash dividends to net income (ytd only)* | 48.6371% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3774% | 2,396 |
| Loan loss allowance to noncurrent loans | 67.8221% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 1.4827% | 1,293 |
| Noncurrent loans to loans | 2.0309% | 973 |
| Net loans and leases to total assets | 70.6056% | 2,382 |
| Net loans and leases to deposits | 89.4303% | 1,818 |
| Net loans and leases to core deposits | 93.8619% | 2,182 |
| Total domestic deposits to total assets | 78.9504% | 4,798 |
| Equity capital to assets | 10.2705% | 3,896 |
| Core capital (leverage) ratio | 9.4919% | 4,221 |
| Tier 1 risk-based capital ratio | 13.0105% | 4,194 |
| Total risk-based capital ratio | 14.2626% | 4,106 |
| Memoranda: | ||
| Average total assets | $470,523,330 | 1,459 |
| Average earning assets | $437,795,330 | 1,461 |
| Average equity | $47,731,330 | 1,586 |
| Average total loans | $341,752,330 | 1,364 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5038% | 1,495 |
| Cost of funding earning assets | 0.4662% | 2,416 |
| Net interest margin | 4.0375% | 1,514 |
| Noninterest income to average assets | 1.1731% | 799 |
| Noninterest expense to average assets | 3.3080% | 1,581 |
| Loan and lease loss provision to assets | 0.1294% | 1,636 |
| Net operating income to assets | 1.4888% | 877 |
| Return on assets (ROA) | 1.4888% | 916 |
| Pretax return on assets | 1.4931% | 1,618 |
| Return on Equity (ROE) | 14.7723% | 707 |
| Retained earnings to average equity (ytd only) | 8.1565% | 1,392 |
| Net charge-offs to loans | 0.0071% | 2,882 |
| Credit loss provision to net charge-offs | 2,500.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 313.5000% | 190 |
| Efficiency ratio | 66.3926% | 3,733 |
| Assets per employee ($millions) | 3.7891% | 4,320 |
| Cash dividends to net income (ytd only)* | 44.7856% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3746% | 2,542 |
| Loan loss allowance to noncurrent loans | 84.4137% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 1.2181% | 1,789 |
| Noncurrent loans to loans | 1.6284% | 1,410 |
| Net loans and leases to total assets | 71.9543% | 2,046 |
| Net loans and leases to deposits | 88.5448% | 1,760 |
| Net loans and leases to core deposits | 92.8796% | 2,101 |
| Total domestic deposits to total assets | 81.2632% | 4,415 |
| Equity capital to assets | 10.3580% | 3,675 |
| Core capital (leverage) ratio | 9.5234% | 4,151 |
| Tier 1 risk-based capital ratio | 13.0390% | 4,242 |
| Total risk-based capital ratio | 14.2906% | 4,162 |
| Memoranda: | ||
| Average total assets | $463,723,500 | 1,481 |
| Average earning assets | $431,551,000 | 1,475 |
| Average equity | $46,736,000 | 1,609 |
| Average total loans | $339,332,500 | 1,370 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5381% | 1,490 |
| Cost of funding earning assets | 0.4682% | 2,453 |
| Net interest margin | 4.0699% | 1,486 |
| Noninterest income to average assets | 1.2871% | 727 |
| Noninterest expense to average assets | 3.3258% | 1,653 |
| Loan and lease loss provision to assets | 0.2106% | 992 |
| Net operating income to assets | 1.5276% | 817 |
| Return on assets (ROA) | 1.5526% | 803 |
| Pretax return on assets | 1.5602% | 1,375 |
| Return on Equity (ROE) | 15.4555% | 619 |
| Retained earnings to average equity (ytd only) | 5.8874% | 1,851 |
| Net charge-offs to loans | 0.0936% | 2,491 |
| Credit loss provision to net charge-offs | 301.5873% | 979 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,644 |
| Efficiency ratio | 64.8789% | 4,098 |
| Assets per employee ($millions) | 3.7514% | 4,370 |
| Cash dividends to net income (ytd only)* | 61.9075% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 2,812 |
| Loan loss allowance to noncurrent loans | 83.5099% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 1.1884% | 1,827 |
| Noncurrent loans to loans | 1.5755% | 1,461 |
| Net loans and leases to total assets | 72.4270% | 1,977 |
| Net loans and leases to deposits | 91.0586% | 1,499 |
| Net loans and leases to core deposits | 95.5045% | 1,894 |
| Total domestic deposits to total assets | 79.5389% | 4,858 |
| Equity capital to assets | 9.8006% | 4,187 |
| Core capital (leverage) ratio | 9.5113% | 4,158 |
| Tier 1 risk-based capital ratio | 12.6225% | 4,559 |
| Total risk-based capital ratio | 13.8734% | 4,446 |
| Memoranda: | ||
| Average total assets | $451,109,000 | 1,487 |
| Average earning assets | $419,474,000 | 1,477 |
| Average equity | $45,317,200 | 1,628 |
| Average total loans | $336,475,200 | 1,329 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5361% | 1,494 |
| Cost of funding earning assets | 0.4705% | 2,496 |
| Net interest margin | 4.0657% | 1,508 |
| Noninterest income to average assets | 1.3017% | 712 |
| Noninterest expense to average assets | 3.3813% | 1,507 |
| Loan and lease loss provision to assets | 0.1638% | 1,298 |
| Net operating income to assets | 1.5323% | 875 |
| Return on assets (ROA) | 1.5755% | 851 |
| Pretax return on assets | 1.5815% | 1,439 |
| Return on Equity (ROE) | 15.5845% | 652 |
| Retained earnings to average equity (ytd only) | 8.4302% | 1,077 |
| Net charge-offs to loans | 0.0099% | 3,824 |
| Credit loss provision to net charge-offs | 2,200.0000% | 169 |
| Earnings coverage of net charge-offs (x) | 228.5773% | 314 |
| Efficiency ratio | 65.8131% | 3,922 |
| Assets per employee ($millions) | 3.6534% | 4,513 |
| Cash dividends to net income (ytd only)* | 45.9066% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2637% | 3,286 |
| Loan loss allowance to noncurrent loans | 88.6686% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 1.2528% | 1,867 |
| Noncurrent loans to loans | 1.4252% | 1,776 |
| Net loans and leases to total assets | 74.9708% | 1,551 |
| Net loans and leases to deposits | 96.2314% | 981 |
| Net loans and leases to core deposits | 103.8444% | 1,242 |
| Total domestic deposits to total assets | 77.9068% | 5,200 |
| Equity capital to assets | 10.2421% | 3,882 |
| Core capital (leverage) ratio | 9.6410% | 4,125 |
| Tier 1 risk-based capital ratio | 12.6150% | 4,671 |
| Total risk-based capital ratio | 13.8654% | 4,579 |
| Memoranda: | ||
| Average total assets | $447,592,250 | 1,509 |
| Average earning assets | $416,319,750 | 1,492 |
| Average equity | $45,249,000 | 1,643 |
| Average total loans | $335,242,750 | 1,337 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5037% | 1,526 |
| Cost of funding earning assets | 0.4818% | 2,416 |
| Net interest margin | 4.0219% | 1,577 |
| Noninterest income to average assets | 1.3330% | 688 |
| Noninterest expense to average assets | 3.3358% | 1,616 |
| Loan and lease loss provision to assets | 0.1350% | 1,625 |
| Net operating income to assets | 1.5930% | 754 |
| Return on assets (ROA) | 1.6583% | 701 |
| Pretax return on assets | 1.6641% | 1,157 |
| Return on Equity (ROE) | 16.4771% | 549 |
| Retained earnings to average equity (ytd only) | 10.6122% | 562 |
| Net charge-offs to loans | 0.0139% | 3,443 |
| Credit loss provision to net charge-offs | 1,304.3478% | 276 |
| Earnings coverage of net charge-offs (x) | 167.5652% | 393 |
| Efficiency ratio | 65.0901% | 4,176 |
| Assets per employee ($millions) | 3.6504% | 4,534 |
| Cash dividends to net income (ytd only)* | 35.5941% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1895% | 3,847 |
| Loan loss allowance to noncurrent loans | 68.4324% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 1.4139% | 1,774 |
| Noncurrent loans to loans | 1.7383% | 1,480 |
| Net loans and leases to total assets | 75.8641% | 1,383 |
| Net loans and leases to deposits | 97.9846% | 795 |
| Net loans and leases to core deposits | 103.7243% | 1,205 |
| Total domestic deposits to total assets | 77.4245% | 5,387 |
| Equity capital to assets | 10.0476% | 3,983 |
| Core capital (leverage) ratio | 9.6620% | 4,055 |
| Tier 1 risk-based capital ratio | 12.2804% | 4,949 |
| Total risk-based capital ratio | 13.4620% | 4,891 |
| Memoranda: | ||
| Average total assets | $444,565,000 | 1,529 |
| Average earning assets | $413,040,670 | 1,512 |
| Average equity | $44,741,000 | 1,668 |
| Average total loans | $331,405,670 | 1,353 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4725% | 1,544 |
| Cost of funding earning assets | 0.5097% | 2,205 |
| Net interest margin | 3.9629% | 1,679 |
| Noninterest income to average assets | 1.3112% | 665 |
| Noninterest expense to average assets | 3.4395% | 1,423 |
| Loan and lease loss provision to assets | 0.1362% | 1,520 |
| Net operating income to assets | 1.4083% | 1,018 |
| Return on assets (ROA) | 1.4083% | 1,074 |
| Pretax return on assets | 1.4138% | 1,844 |
| Return on Equity (ROE) | 13.9819% | 882 |
| Retained earnings to average equity (ytd only) | 8.0682% | 1,546 |
| Net charge-offs to loans | 0.0124% | 2,940 |
| Credit loss provision to net charge-offs | 1,500.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 170.7000% | 321 |
| Efficiency ratio | 68.4440% | 3,749 |
| Assets per employee ($millions) | 3.5808% | 4,758 |
| Cash dividends to net income (ytd only)* | 42.2953% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2186% | 3,849 |
| Loan loss allowance to noncurrent loans | 80.8128% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 1.2670% | 2,106 |
| Noncurrent loans to loans | 1.5079% | 1,875 |
| Net loans and leases to total assets | 72.9702% | 1,661 |
| Net loans and leases to deposits | 92.9295% | 1,096 |
| Net loans and leases to core deposits | 97.7500% | 1,497 |
| Total domestic deposits to total assets | 78.5222% | 5,349 |
| Equity capital to assets | 10.1641% | 3,925 |
| Core capital (leverage) ratio | 9.3977% | 4,437 |
| Tier 1 risk-based capital ratio | 12.3626% | 5,000 |
| Total risk-based capital ratio | 13.5536% | 4,956 |
| Memoranda: | ||
| Average total assets | $440,524,500 | 1,547 |
| Average earning assets | $408,897,500 | 1,531 |
| Average equity | $44,371,500 | 1,684 |
| Average total loans | $323,343,500 | 1,387 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4868% | 1,925 |
| Cost of funding earning assets | 0.5722% | 2,024 |
| Net interest margin | 3.9146% | 2,179 |
| Noninterest income to average assets | 1.4682% | 568 |
| Noninterest expense to average assets | 3.4257% | 1,645 |
| Loan and lease loss provision to assets | 0.1086% | 2,346 |
| Net operating income to assets | 1.5388% | 813 |
| Return on assets (ROA) | 1.5562% | 815 |
| Pretax return on assets | 1.5724% | 1,314 |
| Return on Equity (ROE) | 15.7728% | 652 |
| Retained earnings to average equity (ytd only) | -6.1532% | 6,226 |
| Net charge-offs to loans | 0.0931% | 3,165 |
| Credit loss provision to net charge-offs | 160.8696% | 1,505 |
| Earnings coverage of net charge-offs (x) | 24.6348% | 1,524 |
| Efficiency ratio | 67.1589% | 4,032 |
| Assets per employee ($millions) | 4.0465% | 3,841 |
| Cash dividends to net income (ytd only)* | 139.0115% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 3,935 |
| Loan loss allowance to noncurrent loans | 73.4667% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 1.3818% | 2,015 |
| Noncurrent loans to loans | 1.6474% | 1,775 |
| Net loans and leases to total assets | 72.0388% | 1,908 |
| Net loans and leases to deposits | 90.6321% | 1,449 |
| Net loans and leases to core deposits | 95.4724% | 1,766 |
| Total domestic deposits to total assets | 79.4849% | 5,145 |
| Equity capital to assets | 9.9793% | 4,138 |
| Core capital (leverage) ratio | 9.9200% | 3,689 |
| Tier 1 risk-based capital ratio | 12.5338% | 5,019 |
| Total risk-based capital ratio | 13.7645% | 4,946 |
| Memoranda: | ||
| Average total assets | $340,631,400 | 1,911 |
| Average earning assets | $315,077,200 | 1,902 |
| Average equity | $33,608,400 | 2,072 |
| Average total loans | $247,044,600 | 1,706 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5198% | 1,799 |
| Cost of funding earning assets | 0.5874% | 1,949 |
| Net interest margin | 3.9324% | 2,107 |
| Noninterest income to average assets | 1.5581% | 520 |
| Noninterest expense to average assets | 3.4814% | 1,502 |
| Loan and lease loss provision to assets | 0.0948% | 2,469 |
| Net operating income to assets | 1.6102% | 736 |
| Return on assets (ROA) | 1.6352% | 718 |
| Pretax return on assets | 1.6449% | 1,193 |
| Return on Equity (ROE) | 16.6387% | 602 |
| Retained earnings to average equity (ytd only) | -8.1522% | 6,349 |
| Net charge-offs to loans | 0.0163% | 4,214 |
| Credit loss provision to net charge-offs | 803.5714% | 387 |
| Earnings coverage of net charge-offs (x) | 145.3665% | 424 |
| Efficiency ratio | 67.0045% | 4,043 |
| Assets per employee ($millions) | 3.7099% | 4,468 |
| Cash dividends to net income (ytd only)* | 148.9954% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6040% | 2,292 |
| Loan loss allowance to noncurrent loans | 114.9309% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 1.1522% | 2,644 |
| Noncurrent loans to loans | 1.3957% | 2,320 |
| Net loans and leases to total assets | 71.0991% | 2,010 |
| Net loans and leases to deposits | 91.1070% | 1,313 |
| Net loans and leases to core deposits | 94.4643% | 1,811 |
| Total domestic deposits to total assets | 78.0391% | 5,524 |
| Equity capital to assets | 9.4496% | 4,861 |
| Core capital (leverage) ratio | 9.5063% | 4,361 |
| Tier 1 risk-based capital ratio | 12.8695% | 4,939 |
| Total risk-based capital ratio | 14.1239% | 4,852 |
| Memoranda: | ||
| Average total assets | $316,533,250 | 2,070 |
| Average earning assets | $292,810,000 | 2,060 |
| Average equity | $31,107,500 | 2,222 |
| Average total loans | $229,134,750 | 1,837 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5196% | 1,774 |
| Cost of funding earning assets | 0.5938% | 1,949 |
| Net interest margin | 3.9258% | 2,065 |
| Noninterest income to average assets | 1.5608% | 514 |
| Noninterest expense to average assets | 3.4714% | 1,531 |
| Loan and lease loss provision to assets | 0.0954% | 2,437 |
| Net operating income to assets | 1.6146% | 685 |
| Return on assets (ROA) | 1.6479% | 674 |
| Pretax return on assets | 1.6568% | 1,120 |
| Return on Equity (ROE) | 16.5506% | 599 |
| Retained earnings to average equity (ytd only) | -15.4519% | 6,502 |
| Net charge-offs to loans | -0.0334% | 5,724 |
| Credit loss provision to net charge-offs | -394.7368% | 5,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8873% | 4,219 |
| Assets per employee ($millions) | 3.4940% | 4,861 |
| Cash dividends to net income (ytd only)* | 193.3616% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6049% | 2,438 |
| Loan loss allowance to noncurrent loans | 120.8941% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 1.1769% | 2,725 |
| Noncurrent loans to loans | 1.3275% | 2,591 |
| Net loans and leases to total assets | 72.7638% | 1,611 |
| Net loans and leases to deposits | 93.0724% | 1,043 |
| Net loans and leases to core deposits | 96.8451% | 1,533 |
| Total domestic deposits to total assets | 78.1797% | 5,603 |
| Equity capital to assets | 9.5910% | 4,640 |
| Core capital (leverage) ratio | 9.4433% | 4,407 |
| Tier 1 risk-based capital ratio | 12.5918% | 5,162 |
| Total risk-based capital ratio | 13.8459% | 5,095 |
| Memoranda: | ||
| Average total assets | $314,456,000 | 2,079 |
| Average earning assets | $290,690,330 | 2,069 |
| Average equity | $31,310,000 | 2,199 |
| Average total loans | $227,771,670 | 1,842 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4878% | 1,850 |
| Cost of funding earning assets | 0.6156% | 1,850 |
| Net interest margin | 3.8722% | 2,186 |
| Noninterest income to average assets | 1.4883% | 526 |
| Noninterest expense to average assets | 3.5592% | 1,380 |
| Loan and lease loss provision to assets | 0.0954% | 2,333 |
| Net operating income to assets | 1.4120% | 968 |
| Return on assets (ROA) | 1.4120% | 1,011 |
| Pretax return on assets | 1.4183% | 1,684 |
| Return on Equity (ROE) | 13.9250% | 958 |
| Retained earnings to average equity (ytd only) | 3.8639% | 3,803 |
| Net charge-offs to loans | 0.0053% | 3,554 |
| Credit loss provision to net charge-offs | 2,500.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 396.6667% | 116 |
| Efficiency ratio | 70.1605% | 3,815 |
| Assets per employee ($millions) | 3.4152% | 5,116 |
| Cash dividends to net income (ytd only)* | 72.2523% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5876% | 2,754 |
| Loan loss allowance to noncurrent loans | 82.9929% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 1.4695% | 2,413 |
| Noncurrent loans to loans | 1.9129% | 1,976 |
| Net loans and leases to total assets | 71.3430% | 1,677 |
| Net loans and leases to deposits | 93.3357% | 849 |
| Net loans and leases to core deposits | 94.6593% | 1,495 |
| Total domestic deposits to total assets | 76.4369% | 6,034 |
| Equity capital to assets | 10.3082% | 3,459 |
| Core capital (leverage) ratio | 10.0186% | 3,552 |
| Tier 1 risk-based capital ratio | 13.7703% | 4,489 |
| Total risk-based capital ratio | 15.0243% | 4,445 |
| Memoranda: | ||
| Average total assets | $314,454,000 | 2,086 |
| Average earning assets | $291,103,000 | 2,072 |
| Average equity | $31,885,000 | 2,164 |
| Average total loans | $225,385,000 | 1,860 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5751% | 1,948 |
| Cost of funding earning assets | 0.6381% | 2,309 |
| Net interest margin | 3.9369% | 2,148 |
| Noninterest income to average assets | 1.5964% | 563 |
| Noninterest expense to average assets | 3.3677% | 1,953 |
| Loan and lease loss provision to assets | 0.1781% | 2,075 |
| Net operating income to assets | 1.6906% | 589 |
| Return on assets (ROA) | 1.6602% | 635 |
| Pretax return on assets | 1.6602% | 1,032 |
| Return on Equity (ROE) | 15.9286% | 628 |
| Retained earnings to average equity (ytd only) | 5.1884% | 2,482 |
| Net charge-offs to loans | 0.1299% | 3,515 |
| Credit loss provision to net charge-offs | 190.3114% | 1,200 |
| Earnings coverage of net charge-offs (x) | 19.9689% | 1,574 |
| Efficiency ratio | 64.3127% | 4,845 |
| Assets per employee ($millions) | 3.4584% | 4,981 |
| Cash dividends to net income (ytd only)* | 67.4273% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5893% | 2,798 |
| Loan loss allowance to noncurrent loans | 88.0060% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 1.3368% | 2,749 |
| Noncurrent loans to loans | 1.8058% | 2,227 |
| Net loans and leases to total assets | 69.7315% | 2,063 |
| Net loans and leases to deposits | 90.3854% | 1,197 |
| Net loans and leases to core deposits | 93.2973% | 1,650 |
| Total domestic deposits to total assets | 77.1490% | 5,946 |
| Equity capital to assets | 9.9716% | 3,811 |
| Core capital (leverage) ratio | 9.9701% | 3,616 |
| Tier 1 risk-based capital ratio | 13.8433% | 4,407 |
| Total risk-based capital ratio | 15.0972% | 4,349 |
| Memoranda: | ||
| Average total assets | $308,817,200 | 2,085 |
| Average earning assets | $285,526,800 | 2,071 |
| Average equity | $32,187,400 | 2,120 |
| Average total loans | $222,548,400 | 1,839 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5892% | 1,938 |
| Cost of funding earning assets | 0.6401% | 2,454 |
| Net interest margin | 3.9490% | 2,118 |
| Noninterest income to average assets | 1.6229% | 556 |
| Noninterest expense to average assets | 3.4436% | 1,729 |
| Loan and lease loss provision to assets | 0.0976% | 3,135 |
| Net operating income to assets | 1.7348% | 598 |
| Return on assets (ROA) | 1.7235% | 631 |
| Pretax return on assets | 1.7235% | 1,048 |
| Return on Equity (ROE) | 16.3551% | 602 |
| Retained earnings to average equity (ytd only) | 9.6204% | 881 |
| Net charge-offs to loans | -0.0737% | 6,421 |
| Credit loss provision to net charge-offs | -182.9268% | 5,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2689% | 4,610 |
| Assets per employee ($millions) | 3.4580% | 4,934 |
| Cash dividends to net income (ytd only)* | 41.1780% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5908% | 3,039 |
| Loan loss allowance to noncurrent loans | 80.9365% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 1.4428% | 2,788 |
| Noncurrent loans to loans | 1.9655% | 2,294 |
| Net loans and leases to total assets | 70.5856% | 1,853 |
| Net loans and leases to deposits | 89.6991% | 1,202 |
| Net loans and leases to core deposits | 94.3478% | 1,536 |
| Total domestic deposits to total assets | 78.6916% | 5,803 |
| Equity capital to assets | 10.2145% | 3,621 |
| Core capital (leverage) ratio | 10.3387% | 3,185 |
| Tier 1 risk-based capital ratio | 14.0105% | 4,427 |
| Total risk-based capital ratio | 15.2648% | 4,372 |
| Memoranda: | ||
| Average total assets | $307,343,250 | 2,102 |
| Average earning assets | $284,314,750 | 2,095 |
| Average equity | $32,388,750 | 2,132 |
| Average total loans | $222,436,000 | 1,842 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6059% | 1,836 |
| Cost of funding earning assets | 0.6496% | 2,499 |
| Net interest margin | 3.9564% | 2,022 |
| Noninterest income to average assets | 1.6968% | 572 |
| Noninterest expense to average assets | 3.4410% | 1,734 |
| Loan and lease loss provision to assets | 0.0988% | 3,144 |
| Net operating income to assets | 1.8186% | 496 |
| Return on assets (ROA) | 1.7640% | 597 |
| Pretax return on assets | 1.7640% | 992 |
| Return on Equity (ROE) | 16.5611% | 595 |
| Retained earnings to average equity (ytd only) | 10.6822% | 705 |
| Net charge-offs to loans | -0.1233% | 6,559 |
| Credit loss provision to net charge-offs | -110.2941% | 5,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2173% | 4,841 |
| Assets per employee ($millions) | 3.4195% | 5,019 |
| Cash dividends to net income (ytd only)* | 35.4983% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5566% | 3,332 |
| Loan loss allowance to noncurrent loans | 71.6035% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 1.6777% | 2,597 |
| Noncurrent loans to loans | 2.1740% | 2,207 |
| Net loans and leases to total assets | 73.3203% | 1,352 |
| Net loans and leases to deposits | 92.9471% | 884 |
| Net loans and leases to core deposits | 97.7872% | 1,227 |
| Total domestic deposits to total assets | 78.8839% | 5,820 |
| Equity capital to assets | 10.4224% | 3,402 |
| Core capital (leverage) ratio | 10.3370% | 3,059 |
| Tier 1 risk-based capital ratio | 13.7862% | 4,579 |
| Total risk-based capital ratio | 15.0399% | 4,543 |
| Memoranda: | ||
| Average total assets | $303,745,330 | 2,137 |
| Average earning assets | $281,115,670 | 2,123 |
| Average equity | $32,353,000 | 2,136 |
| Average total loans | $220,518,330 | 1,854 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6037% | 1,814 |
| Cost of funding earning assets | 0.6556% | 2,607 |
| Net interest margin | 3.9481% | 1,954 |
| Noninterest income to average assets | 1.7061% | 541 |
| Noninterest expense to average assets | 3.5752% | 1,464 |
| Loan and lease loss provision to assets | 0.0994% | 3,023 |
| Net operating income to assets | 1.6716% | 626 |
| Return on assets (ROA) | 1.6942% | 653 |
| Pretax return on assets | 1.6942% | 1,094 |
| Return on Equity (ROE) | 15.7331% | 648 |
| Retained earnings to average equity (ytd only) | 10.4272% | 1,000 |
| Net charge-offs to loans | -0.0574% | 6,191 |
| Credit loss provision to net charge-offs | -241.9355% | 5,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8733% | 4,510 |
| Assets per employee ($millions) | 3.3750% | 5,268 |
| Cash dividends to net income (ytd only)* | 33.7246% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5360% | 3,670 |
| Loan loss allowance to noncurrent loans | 78.7590% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 1.4957% | 3,014 |
| Noncurrent loans to loans | 1.9503% | 2,675 |
| Net loans and leases to total assets | 71.5223% | 1,430 |
| Net loans and leases to deposits | 89.8899% | 978 |
| Net loans and leases to core deposits | 92.1729% | 1,492 |
| Total domestic deposits to total assets | 79.5665% | 5,850 |
| Equity capital to assets | 10.8150% | 3,180 |
| Core capital (leverage) ratio | 10.2910% | 3,024 |
| Tier 1 risk-based capital ratio | 13.8481% | 4,615 |
| Total risk-based capital ratio | 15.1014% | 4,576 |
| Memoranda: | ||
| Average total assets | $301,742,500 | 2,178 |
| Average earning assets | $278,212,000 | 2,164 |
| Average equity | $32,492,000 | 2,154 |
| Average total loans | $216,171,500 | 1,902 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8038% | 2,176 |
| Cost of funding earning assets | 0.8572% | 2,245 |
| Net interest margin | 3.9466% | 2,618 |
| Noninterest income to average assets | 1.5546% | 651 |
| Noninterest expense to average assets | 3.4235% | 2,003 |
| Loan and lease loss provision to assets | 0.2659% | 2,516 |
| Net operating income to assets | 1.4814% | 954 |
| Return on assets (ROA) | 1.4848% | 1,048 |
| Pretax return on assets | 1.4848% | 1,731 |
| Return on Equity (ROE) | 13.8531% | 1,016 |
| Retained earnings to average equity (ytd only) | 4.9453% | 2,740 |
| Net charge-offs to loans | 0.1986% | 3,785 |
| Credit loss provision to net charge-offs | 189.6135% | 1,379 |
| Earnings coverage of net charge-offs (x) | 12.4614% | 1,923 |
| Efficiency ratio | 64.8523% | 4,727 |
| Assets per employee ($millions) | 3.2938% | 5,431 |
| Cash dividends to net income (ytd only)* | 64.3020% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5502% | 3,519 |
| Loan loss allowance to noncurrent loans | 104.3893% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 1.1457% | 3,747 |
| Noncurrent loans to loans | 1.4851% | 3,372 |
| Net loans and leases to total assets | 69.5358% | 1,934 |
| Net loans and leases to deposits | 84.8854% | 1,649 |
| Net loans and leases to core deposits | 87.0051% | 2,188 |
| Total domestic deposits to total assets | 81.9173% | 5,130 |
| Equity capital to assets | 10.7207% | 3,254 |
| Core capital (leverage) ratio | 9.9781% | 3,432 |
| Tier 1 risk-based capital ratio | 13.9592% | 4,403 |
| Total risk-based capital ratio | 15.2123% | 4,375 |
| Memoranda: | ||
| Average total assets | $295,256,800 | 2,171 |
| Average earning assets | $270,533,800 | 2,155 |
| Average equity | $31,646,400 | 2,161 |
| Average total loans | $208,483,200 | 1,936 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8310% | 2,280 |
| Cost of funding earning assets | 0.8983% | 2,179 |
| Net interest margin | 3.9327% | 2,789 |
| Noninterest income to average assets | 1.5145% | 652 |
| Noninterest expense to average assets | 3.5026% | 1,752 |
| Loan and lease loss provision to assets | 0.1428% | 3,747 |
| Net operating income to assets | 1.4750% | 1,067 |
| Return on assets (ROA) | 1.4795% | 1,175 |
| Pretax return on assets | 1.4795% | 1,956 |
| Return on Equity (ROE) | 13.8048% | 1,151 |
| Retained earnings to average equity (ytd only) | 9.1271% | 1,174 |
| Net charge-offs to loans | 0.0263% | 5,298 |
| Credit loss provision to net charge-offs | 768.2927% | 365 |
| Earnings coverage of net charge-offs (x) | 87.0413% | 477 |
| Efficiency ratio | 66.8998% | 4,266 |
| Assets per employee ($millions) | 3.3995% | 5,210 |
| Cash dividends to net income (ytd only)* | 33.8848% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5124% | 3,901 |
| Loan loss allowance to noncurrent loans | 113.9943% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 1.2077% | 3,876 |
| Noncurrent loans to loans | 1.3267% | 3,815 |
| Net loans and leases to total assets | 67.7904% | 2,326 |
| Net loans and leases to deposits | 83.8225% | 1,889 |
| Net loans and leases to core deposits | 85.8967% | 2,479 |
| Total domestic deposits to total assets | 80.8737% | 5,402 |
| Equity capital to assets | 10.8009% | 3,500 |
| Core capital (leverage) ratio | 10.2836% | 3,184 |
| Tier 1 risk-based capital ratio | 14.2139% | 4,373 |
| Total risk-based capital ratio | 15.4666% | 4,341 |
| Memoranda: | ||
| Average total assets | $294,136,250 | 2,199 |
| Average earning assets | $269,697,250 | 2,183 |
| Average equity | $31,524,500 | 2,186 |
| Average total loans | $207,677,000 | 1,961 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9055% | 2,088 |
| Cost of funding earning assets | 0.9707% | 1,931 |
| Net interest margin | 3.9348% | 2,767 |
| Noninterest income to average assets | 1.5052% | 644 |
| Noninterest expense to average assets | 3.5038% | 1,775 |
| Loan and lease loss provision to assets | 0.1447% | 3,710 |
| Net operating income to assets | 1.4604% | 1,067 |
| Return on assets (ROA) | 1.4673% | 1,183 |
| Pretax return on assets | 1.4673% | 1,967 |
| Return on Equity (ROE) | 13.7278% | 1,182 |
| Retained earnings to average equity (ytd only) | 9.3109% | 1,170 |
| Net charge-offs to loans | 0.0358% | 4,882 |
| Credit loss provision to net charge-offs | 567.5676% | 550 |
| Earnings coverage of net charge-offs (x) | 62.9459% | 612 |
| Efficiency ratio | 67.0579% | 4,311 |
| Assets per employee ($millions) | 3.2969% | 5,451 |
| Cash dividends to net income (ytd only)* | 32.1747% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4840% | 4,087 |
| Loan loss allowance to noncurrent loans | 149.2978% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 1.0526% | 4,277 |
| Noncurrent loans to loans | 0.9940% | 4,513 |
| Net loans and leases to total assets | 70.5449% | 1,815 |
| Net loans and leases to deposits | 86.8896% | 1,487 |
| Net loans and leases to core deposits | 89.4835% | 2,034 |
| Total domestic deposits to total assets | 81.1891% | 5,398 |
| Equity capital to assets | 11.0030% | 3,111 |
| Core capital (leverage) ratio | 10.3391% | 3,000 |
| Tier 1 risk-based capital ratio | 14.1574% | 4,334 |
| Total risk-based capital ratio | 15.4100% | 4,300 |
| Memoranda: | ||
| Average total assets | $290,196,670 | 2,227 |
| Average earning assets | $265,782,670 | 2,216 |
| Average equity | $31,017,330 | 2,203 |
| Average total loans | $206,705,000 | 1,968 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9300% | 2,136 |
| Cost of funding earning assets | 1.0544% | 1,649 |
| Net interest margin | 3.8756% | 3,027 |
| Noninterest income to average assets | 1.5064% | 633 |
| Noninterest expense to average assets | 3.5792% | 1,610 |
| Loan and lease loss provision to assets | 0.1447% | 3,556 |
| Net operating income to assets | 1.3438% | 1,336 |
| Return on assets (ROA) | 1.3438% | 1,495 |
| Pretax return on assets | 1.3438% | 2,378 |
| Return on Equity (ROE) | 12.7599% | 1,477 |
| Retained earnings to average equity (ytd only) | 8.2710% | 1,875 |
| Net charge-offs to loans | 0.0291% | 4,278 |
| Credit loss provision to net charge-offs | 700.0000% | 502 |
| Earnings coverage of net charge-offs (x) | 72.0000% | 463 |
| Efficiency ratio | 69.1052% | 3,964 |
| Assets per employee ($millions) | 3.3183% | 5,516 |
| Cash dividends to net income (ytd only)* | 35.1795% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4493% | 4,375 |
| Loan loss allowance to noncurrent loans | 84.8939% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 1.7299% | 3,268 |
| Noncurrent loans to loans | 1.7072% | 3,551 |
| Net loans and leases to total assets | 70.6848% | 1,635 |
| Net loans and leases to deposits | 86.1529% | 1,403 |
| Net loans and leases to core deposits | 89.0244% | 1,949 |
| Total domestic deposits to total assets | 82.0458% | 5,280 |
| Equity capital to assets | 10.7070% | 3,261 |
| Core capital (leverage) ratio | 10.0253% | 3,339 |
| Tier 1 risk-based capital ratio | 13.8167% | 4,597 |
| Total risk-based capital ratio | 15.0686% | 4,571 |
| Memoranda: | ||
| Average total assets | $290,230,000 | 2,242 |
| Average earning assets | $266,695,000 | 2,227 |
| Average equity | $30,564,500 | 2,228 |
| Average total loans | $206,180,000 | 1,973 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0383% | 2,719 |
| Cost of funding earning assets | 1.2834% | 1,562 |
| Net interest margin | 3.7548% | 4,055 |
| Noninterest income to average assets | 1.4305% | 636 |
| Noninterest expense to average assets | 3.3865% | 2,278 |
| Loan and lease loss provision to assets | 0.2363% | 3,843 |
| Net operating income to assets | 1.2718% | 1,316 |
| Return on assets (ROA) | 1.2638% | 1,440 |
| Pretax return on assets | 1.2638% | 2,259 |
| Return on Equity (ROE) | 12.3086% | 1,330 |
| Retained earnings to average equity (ytd only) | 4.8111% | 2,783 |
| Net charge-offs to loans | 0.1268% | 5,127 |
| Credit loss provision to net charge-offs | 263.0350% | 912 |
| Earnings coverage of net charge-offs (x) | 16.7860% | 1,304 |
| Efficiency ratio | 67.5737% | 4,450 |
| Assets per employee ($millions) | 3.3537% | 5,363 |
| Cash dividends to net income (ytd only)* | 60.9129% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4179% | 4,380 |
| Loan loss allowance to noncurrent loans | 71.2782% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 1.7521% | 3,326 |
| Noncurrent loans to loans | 1.9893% | 3,222 |
| Net loans and leases to total assets | 69.3656% | 2,151 |
| Net loans and leases to deposits | 84.4857% | 1,860 |
| Net loans and leases to core deposits | 87.2780% | 2,464 |
| Total domestic deposits to total assets | 82.1034% | 5,096 |
| Equity capital to assets | 10.3571% | 3,703 |
| Core capital (leverage) ratio | 9.8061% | 3,596 |
| Tier 1 risk-based capital ratio | 13.6032% | 4,617 |
| Total risk-based capital ratio | 14.8550% | 4,588 |
| Memoranda: | ||
| Average total assets | $286,048,000 | 2,227 |
| Average earning assets | $263,900,000 | 2,214 |
| Average equity | $29,369,800 | 2,243 |
| Average total loans | $202,654,800 | 2,019 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0759% | 2,730 |
| Cost of funding earning assets | 1.3050% | 1,671 |
| Net interest margin | 3.7709% | 4,012 |
| Noninterest income to average assets | 1.4494% | 625 |
| Noninterest expense to average assets | 3.4328% | 2,111 |
| Loan and lease loss provision to assets | 0.2347% | 3,663 |
| Net operating income to assets | 1.2648% | 1,469 |
| Return on assets (ROA) | 1.2540% | 1,609 |
| Pretax return on assets | 1.2540% | 2,448 |
| Return on Equity (ROE) | 12.2412% | 1,479 |
| Retained earnings to average equity (ytd only) | 7.4536% | 1,733 |
| Net charge-offs to loans | 0.0891% | 5,079 |
| Credit loss provision to net charge-offs | 371.1111% | 767 |
| Earnings coverage of net charge-offs (x) | 23.7105% | 1,105 |
| Efficiency ratio | 67.9837% | 4,315 |
| Assets per employee ($millions) | 3.4851% | 5,043 |
| Cash dividends to net income (ytd only)* | 39.1111% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4187% | 4,472 |
| Loan loss allowance to noncurrent loans | 72.7412% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 1.7777% | 3,431 |
| Noncurrent loans to loans | 1.9503% | 3,427 |
| Net loans and leases to total assets | 67.0402% | 2,669 |
| Net loans and leases to deposits | 81.7229% | 2,414 |
| Net loans and leases to core deposits | 85.8117% | 2,800 |
| Total domestic deposits to total assets | 82.0336% | 5,078 |
| Equity capital to assets | 10.2521% | 4,017 |
| Core capital (leverage) ratio | 9.9229% | 3,542 |
| Tier 1 risk-based capital ratio | 13.9890% | 4,363 |
| Total risk-based capital ratio | 15.2407% | 4,332 |
| Memoranda: | ||
| Average total assets | $284,617,500 | 2,240 |
| Average earning assets | $262,880,500 | 2,228 |
| Average equity | $29,157,500 | 2,260 |
| Average total loans | $201,993,750 | 2,045 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1207% | 2,585 |
| Cost of funding earning assets | 1.3205% | 1,822 |
| Net interest margin | 3.8002% | 3,783 |
| Noninterest income to average assets | 1.4369% | 616 |
| Noninterest expense to average assets | 3.4009% | 2,257 |
| Loan and lease loss provision to assets | 0.2686% | 3,249 |
| Net operating income to assets | 1.2752% | 1,381 |
| Return on assets (ROA) | 1.2310% | 1,562 |
| Pretax return on assets | 1.2310% | 2,366 |
| Return on Equity (ROE) | 12.0195% | 1,483 |
| Retained earnings to average equity (ytd only) | 7.2339% | 1,772 |
| Net charge-offs to loans | 0.0158% | 5,621 |
| Credit loss provision to net charge-offs | 2,356.2500% | 140 |
| Earnings coverage of net charge-offs (x) | 135.4375% | 263 |
| Efficiency ratio | 67.1517% | 4,673 |
| Assets per employee ($millions) | 3.4009% | 5,194 |
| Cash dividends to net income (ytd only)* | 39.8148% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3972% | 4,585 |
| Loan loss allowance to noncurrent loans | 60.3937% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 2.0392% | 3,183 |
| Noncurrent loans to loans | 2.3135% | 3,081 |
| Net loans and leases to total assets | 71.3279% | 1,929 |
| Net loans and leases to deposits | 86.2772% | 1,753 |
| Net loans and leases to core deposits | 93.8744% | 1,908 |
| Total domestic deposits to total assets | 82.6729% | 4,915 |
| Equity capital to assets | 10.5422% | 3,458 |
| Core capital (leverage) ratio | 9.9737% | 3,293 |
| Tier 1 risk-based capital ratio | 13.4774% | 4,545 |
| Total risk-based capital ratio | 14.7288% | 4,522 |
| Memoranda: | ||
| Average total assets | $280,746,330 | 2,286 |
| Average earning assets | $259,146,330 | 2,261 |
| Average equity | $28,753,330 | 2,260 |
| Average total loans | $202,174,330 | 2,067 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1318% | 2,505 |
| Cost of funding earning assets | 1.3139% | 2,103 |
| Net interest margin | 3.8178% | 3,522 |
| Noninterest income to average assets | 1.4287% | 627 |
| Noninterest expense to average assets | 3.5931% | 1,788 |
| Loan and lease loss provision to assets | 0.2214% | 3,444 |
| Net operating income to assets | 1.1344% | 1,720 |
| Return on assets (ROA) | 1.1344% | 1,766 |
| Pretax return on assets | 1.1344% | 2,627 |
| Return on Equity (ROE) | 11.2421% | 1,661 |
| Retained earnings to average equity (ytd only) | 5.8901% | 2,707 |
| Net charge-offs to loans | 0.0935% | 4,005 |
| Credit loss provision to net charge-offs | 329.7872% | 985 |
| Earnings coverage of net charge-offs (x) | 20.1915% | 1,114 |
| Efficiency ratio | 70.9584% | 4,067 |
| Assets per employee ($millions) | 3.3544% | 5,350 |
| Cash dividends to net income (ytd only)* | 47.6071% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2770% | 5,253 |
| Loan loss allowance to noncurrent loans | 64.5963% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 1.8189% | 3,545 |
| Noncurrent loans to loans | 1.9769% | 3,601 |
| Net loans and leases to total assets | 72.1933% | 1,681 |
| Net loans and leases to deposits | 87.1241% | 1,577 |
| Net loans and leases to core deposits | 95.9550% | 1,676 |
| Total domestic deposits to total assets | 82.8626% | 4,974 |
| Equity capital to assets | 10.2437% | 3,476 |
| Core capital (leverage) ratio | 9.7927% | 3,396 |
| Tier 1 risk-based capital ratio | 13.0703% | 4,777 |
| Total risk-based capital ratio | 14.3184% | 4,757 |
| Memoranda: | ||
| Average total assets | $279,982,500 | 2,305 |
| Average earning assets | $258,157,500 | 2,286 |
| Average equity | $28,251,000 | 2,287 |
| Average total loans | $201,165,000 | 2,098 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3762% | 2,781 |
| Cost of funding earning assets | 1.5233% | 2,510 |
| Net interest margin | 3.8529% | 3,723 |
| Noninterest income to average assets | 1.3741% | 772 |
| Noninterest expense to average assets | 3.1967% | 3,108 |
| Loan and lease loss provision to assets | 0.4809% | 3,249 |
| Net operating income to assets | 1.2504% | 1,294 |
| Return on assets (ROA) | 1.2055% | 1,476 |
| Pretax return on assets | 1.2055% | 2,212 |
| Return on Equity (ROE) | 11.8415% | 1,353 |
| Retained earnings to average equity (ytd only) | 3.8845% | 3,151 |
| Net charge-offs to loans | 0.3510% | 4,264 |
| Credit loss provision to net charge-offs | 188.7283% | 1,713 |
| Earnings coverage of net charge-offs (x) | 6.7948% | 2,271 |
| Efficiency ratio | 63.1799% | 5,486 |
| Assets per employee ($millions) | 3.5194% | 4,891 |
| Cash dividends to net income (ytd only)* | 67.1961% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 5,234 |
| Loan loss allowance to noncurrent loans | 67.3878% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 1.7286% | 3,707 |
| Noncurrent loans to loans | 1.8608% | 3,741 |
| Net loans and leases to total assets | 69.7002% | 2,600 |
| Net loans and leases to deposits | 84.0494% | 2,438 |
| Net loans and leases to core deposits | 89.7906% | 2,798 |
| Total domestic deposits to total assets | 82.9277% | 4,822 |
| Equity capital to assets | 9.9386% | 3,828 |
| Core capital (leverage) ratio | 9.6172% | 3,529 |
| Tier 1 risk-based capital ratio | 13.3309% | 4,347 |
| Total risk-based capital ratio | 14.5720% | 4,321 |
| Memoranda: | ||
| Average total assets | $271,589,600 | 2,348 |
| Average earning assets | $250,512,400 | 2,339 |
| Average equity | $27,648,600 | 2,334 |
| Average total loans | $197,154,400 | 2,189 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4391% | 2,697 |
| Cost of funding earning assets | 1.5679% | 2,562 |
| Net interest margin | 3.8712% | 3,651 |
| Noninterest income to average assets | 1.2669% | 859 |
| Noninterest expense to average assets | 3.2686% | 2,678 |
| Loan and lease loss provision to assets | 0.5470% | 2,762 |
| Net operating income to assets | 1.0221% | 2,169 |
| Return on assets (ROA) | 0.9607% | 2,498 |
| Pretax return on assets | 0.9607% | 3,328 |
| Return on Equity (ROE) | 9.3787% | 2,356 |
| Retained earnings to average equity (ytd only) | 3.7631% | 3,810 |
| Net charge-offs to loans | 0.3408% | 3,939 |
| Credit loss provision to net charge-offs | 219.4831% | 1,574 |
| Earnings coverage of net charge-offs (x) | 6.2962% | 2,550 |
| Efficiency ratio | 65.8234% | 4,902 |
| Assets per employee ($millions) | 3.4898% | 5,007 |
| Cash dividends to net income (ytd only)* | 59.8761% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2732% | 5,094 |
| Loan loss allowance to noncurrent loans | 56.3124% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 2.0588% | 3,397 |
| Noncurrent loans to loans | 2.2610% | 3,373 |
| Net loans and leases to total assets | 69.7510% | 2,800 |
| Net loans and leases to deposits | 84.5983% | 2,598 |
| Net loans and leases to core deposits | 90.1806% | 3,071 |
| Total domestic deposits to total assets | 82.4496% | 4,818 |
| Equity capital to assets | 10.3026% | 3,762 |
| Core capital (leverage) ratio | 9.7801% | 3,515 |
| Tier 1 risk-based capital ratio | 13.1269% | 4,476 |
| Total risk-based capital ratio | 14.3567% | 4,467 |
| Memoranda: | ||
| Average total assets | $269,099,500 | 2,404 |
| Average earning assets | $248,222,000 | 2,392 |
| Average equity | $27,565,250 | 2,372 |
| Average total loans | $196,759,750 | 2,224 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4855% | 2,592 |
| Cost of funding earning assets | 1.6036% | 2,633 |
| Net interest margin | 3.8819% | 3,524 |
| Noninterest income to average assets | 1.1428% | 997 |
| Noninterest expense to average assets | 3.2537% | 2,717 |
| Loan and lease loss provision to assets | 0.6010% | 2,386 |
| Net operating income to assets | 0.8797% | 2,623 |
| Return on assets (ROA) | 0.8797% | 2,756 |
| Pretax return on assets | 0.8797% | 3,583 |
| Return on Equity (ROE) | 8.6052% | 2,618 |
| Retained earnings to average equity (ytd only) | 2.9026% | 4,292 |
| Net charge-offs to loans | 0.3009% | 3,812 |
| Credit loss provision to net charge-offs | 270.0337% | 1,398 |
| Earnings coverage of net charge-offs (x) | 6.6532% | 2,425 |
| Efficiency ratio | 66.9357% | 4,778 |
| Assets per employee ($millions) | 3.3468% | 5,317 |
| Cash dividends to net income (ytd only)* | 66.2692% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2032% | 5,443 |
| Loan loss allowance to noncurrent loans | 43.8697% | 5,382 |
| Noncurrent assets plus other real estate owned to assets | 2.3369% | 3,092 |
| Noncurrent loans to loans | 2.7427% | 2,908 |
| Net loans and leases to total assets | 73.0802% | 2,150 |
| Net loans and leases to deposits | 87.9497% | 2,178 |
| Net loans and leases to core deposits | 93.7475% | 2,758 |
| Total domestic deposits to total assets | 83.0931% | 4,534 |
| Equity capital to assets | 10.3831% | 3,542 |
| Core capital (leverage) ratio | 9.8172% | 3,379 |
| Tier 1 risk-based capital ratio | 12.6518% | 4,733 |
| Total risk-based capital ratio | 13.8086% | 4,788 |
| Memoranda: | ||
| Average total assets | $266,900,000 | 2,444 |
| Average earning assets | $246,941,330 | 2,422 |
| Average equity | $27,285,670 | 2,392 |
| Average total loans | $197,419,000 | 2,240 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4786% | 2,696 |
| Cost of funding earning assets | 1.6467% | 2,671 |
| Net interest margin | 3.8320% | 3,661 |
| Noninterest income to average assets | 1.1978% | 850 |
| Noninterest expense to average assets | 3.2078% | 2,826 |
| Loan and lease loss provision to assets | 0.7505% | 1,695 |
| Net operating income to assets | 0.7745% | 3,082 |
| Return on assets (ROA) | 0.7745% | 3,193 |
| Pretax return on assets | 0.7745% | 3,972 |
| Return on Equity (ROE) | 7.6364% | 3,055 |
| Retained earnings to average equity (ytd only) | 1.2579% | 5,313 |
| Net charge-offs to loans | 0.1096% | 4,331 |
| Credit loss provision to net charge-offs | 925.9259% | 501 |
| Earnings coverage of net charge-offs (x) | 18.8148% | 1,226 |
| Efficiency ratio | 65.9689% | 5,124 |
| Assets per employee ($millions) | 3.0195% | 6,168 |
| Cash dividends to net income (ytd only)* | 83.5271% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 5,608 |
| Loan loss allowance to noncurrent loans | 43.6432% | 5,449 |
| Noncurrent assets plus other real estate owned to assets | 2.7347% | 2,659 |
| Noncurrent loans to loans | 2.7019% | 2,969 |
| Net loans and leases to total assets | 74.1394% | 1,942 |
| Net loans and leases to deposits | 90.2089% | 1,874 |
| Net loans and leases to core deposits | 91.9396% | 3,114 |
| Total domestic deposits to total assets | 82.1863% | 4,992 |
| Equity capital to assets | 10.3484% | 3,411 |
| Core capital (leverage) ratio | 9.5992% | 3,644 |
| Tier 1 risk-based capital ratio | 12.4143% | 4,826 |
| Total risk-based capital ratio | 13.5369% | 4,874 |
| Memoranda: | ||
| Average total assets | $266,478,500 | 2,504 |
| Average earning assets | $245,827,500 | 2,492 |
| Average equity | $27,028,500 | 2,433 |
| Average total loans | $197,103,500 | 2,302 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6333% | 3,422 |
| Cost of funding earning assets | 1.9301% | 3,304 |
| Net interest margin | 3.7032% | 4,134 |
| Noninterest income to average assets | 1.2753% | 924 |
| Noninterest expense to average assets | 3.1962% | 3,392 |
| Loan and lease loss provision to assets | 0.4877% | 3,934 |
| Net operating income to assets | 1.0043% | 1,826 |
| Return on assets (ROA) | 1.0329% | 1,774 |
| Pretax return on assets | 1.0386% | 2,459 |
| Return on Equity (ROE) | 10.5142% | 1,546 |
| Retained earnings to average equity (ytd only) | 4.9221% | 1,861 |
| Net charge-offs to loans | 0.4368% | 4,052 |
| Credit loss provision to net charge-offs | 152.2565% | 3,021 |
| Earnings coverage of net charge-offs (x) | 4.6746% | 2,855 |
| Efficiency ratio | 65.7696% | 5,438 |
| Assets per employee ($millions) | 3.4210% | 5,205 |
| Cash dividends to net income (ytd only)* | 53.1860% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9532% | 6,624 |
| Loan loss allowance to noncurrent loans | 37.9903% | 5,900 |
| Noncurrent assets plus other real estate owned to assets | 2.4569% | 2,834 |
| Noncurrent loans to loans | 2.5091% | 3,034 |
| Net loans and leases to total assets | 72.2423% | 2,693 |
| Net loans and leases to deposits | 88.4649% | 2,479 |
| Net loans and leases to core deposits | 101.7627% | 3,823 |
| Total domestic deposits to total assets | 81.6621% | 5,075 |
| Equity capital to assets | 9.9430% | 3,845 |
| Core capital (leverage) ratio | 9.4657% | 3,765 |
| Tier 1 risk-based capital ratio | 12.1782% | 4,790 |
| Total risk-based capital ratio | 13.0733% | 5,058 |
| Memoranda: | ||
| Average total assets | $262,842,800 | 2,491 |
| Average earning assets | $242,626,600 | 2,478 |
| Average equity | $25,822,200 | 2,543 |
| Average total loans | $192,777,600 | 2,371 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6978% | 3,346 |
| Cost of funding earning assets | 1.9788% | 3,474 |
| Net interest margin | 3.7190% | 3,996 |
| Noninterest income to average assets | 1.3114% | 898 |
| Noninterest expense to average assets | 3.2159% | 3,250 |
| Loan and lease loss provision to assets | 0.4439% | 3,687 |
| Net operating income to assets | 1.0789% | 1,801 |
| Return on assets (ROA) | 1.0825% | 1,841 |
| Pretax return on assets | 1.0876% | 2,617 |
| Return on Equity (ROE) | 11.0536% | 1,606 |
| Retained earnings to average equity (ytd only) | 5.2529% | 2,342 |
| Net charge-offs to loans | 0.2914% | 4,209 |
| Credit loss provision to net charge-offs | 207.3986% | 2,136 |
| Earnings coverage of net charge-offs (x) | 7.1385% | 2,464 |
| Efficiency ratio | 65.4318% | 5,468 |
| Assets per employee ($millions) | 3.4722% | 4,995 |
| Cash dividends to net income (ytd only)* | 52.4776% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9645% | 6,467 |
| Loan loss allowance to noncurrent loans | 46.0844% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 2.1763% | 3,126 |
| Noncurrent loans to loans | 2.0929% | 3,510 |
| Net loans and leases to total assets | 71.6170% | 3,125 |
| Net loans and leases to deposits | 88.3576% | 2,895 |
| Net loans and leases to core deposits | 102.3374% | 4,124 |
| Total domestic deposits to total assets | 81.0537% | 5,063 |
| Equity capital to assets | 9.9883% | 4,104 |
| Core capital (leverage) ratio | 9.4895% | 3,923 |
| Tier 1 risk-based capital ratio | 12.0773% | 4,899 |
| Total risk-based capital ratio | 12.9806% | 5,160 |
| Memoranda: | ||
| Average total assets | $260,988,500 | 2,523 |
| Average earning assets | $240,881,500 | 2,509 |
| Average equity | $25,559,750 | 2,583 |
| Average total loans | $191,691,750 | 2,411 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7383% | 3,355 |
| Cost of funding earning assets | 2.0234% | 3,660 |
| Net interest margin | 3.7148% | 3,891 |
| Noninterest income to average assets | 1.3488% | 838 |
| Noninterest expense to average assets | 3.2704% | 3,083 |
| Loan and lease loss provision to assets | 0.3523% | 3,812 |
| Net operating income to assets | 1.1517% | 1,609 |
| Return on assets (ROA) | 1.1571% | 1,672 |
| Pretax return on assets | 1.1610% | 2,423 |
| Return on Equity (ROE) | 11.8982% | 1,447 |
| Retained earnings to average equity (ytd only) | 5.7456% | 2,144 |
| Net charge-offs to loans | 0.1797% | 4,451 |
| Credit loss provision to net charge-offs | 265.4971% | 1,753 |
| Earnings coverage of net charge-offs (x) | 11.3626% | 1,909 |
| Efficiency ratio | 66.0711% | 5,537 |
| Assets per employee ($millions) | 3.0265% | 6,065 |
| Cash dividends to net income (ytd only)* | 51.7103% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8894% | 6,819 |
| Loan loss allowance to noncurrent loans | 44.9961% | 5,361 |
| Noncurrent assets plus other real estate owned to assets | 2.0433% | 3,139 |
| Noncurrent loans to loans | 1.9766% | 3,555 |
| Net loans and leases to total assets | 72.8783% | 2,983 |
| Net loans and leases to deposits | 89.0375% | 2,983 |
| Net loans and leases to core deposits | 105.6320% | 3,879 |
| Total domestic deposits to total assets | 81.8513% | 4,755 |
| Equity capital to assets | 9.7455% | 4,287 |
| Core capital (leverage) ratio | 9.6379% | 3,720 |
| Tier 1 risk-based capital ratio | 12.1264% | 4,824 |
| Total risk-based capital ratio | 12.9640% | 5,113 |
| Memoranda: | ||
| Average total assets | $257,708,670 | 2,561 |
| Average earning assets | $237,912,000 | 2,540 |
| Average equity | $25,062,670 | 2,632 |
| Average total loans | $190,306,330 | 2,456 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8383% | 3,102 |
| Cost of funding earning assets | 2.0693% | 3,798 |
| Net interest margin | 3.7689% | 3,591 |
| Noninterest income to average assets | 1.2695% | 888 |
| Noninterest expense to average assets | 3.1760% | 3,089 |
| Loan and lease loss provision to assets | 0.3468% | 3,245 |
| Net operating income to assets | 1.2334% | 1,550 |
| Return on assets (ROA) | 1.2334% | 1,662 |
| Pretax return on assets | 1.2334% | 2,504 |
| Return on Equity (ROE) | 12.6958% | 1,467 |
| Retained earnings to average equity (ytd only) | 5.4595% | 2,878 |
| Net charge-offs to loans | 0.3371% | 2,742 |
| Credit loss provision to net charge-offs | 138.9937% | 2,925 |
| Earnings coverage of net charge-offs (x) | 6.3333% | 2,512 |
| Efficiency ratio | 64.3682% | 5,615 |
| Assets per employee ($millions) | 2.9565% | 6,266 |
| Cash dividends to net income (ytd only)* | 56.9975% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7941% | 7,180 |
| Loan loss allowance to noncurrent loans | 42.0330% | 5,739 |
| Noncurrent assets plus other real estate owned to assets | 1.7931% | 3,232 |
| Noncurrent loans to loans | 1.8892% | 3,430 |
| Net loans and leases to total assets | 72.9057% | 3,029 |
| Net loans and leases to deposits | 88.3863% | 3,220 |
| Net loans and leases to core deposits | 105.2495% | 3,999 |
| Total domestic deposits to total assets | 82.4853% | 4,377 |
| Equity capital to assets | 9.7456% | 4,313 |
| Core capital (leverage) ratio | 9.7194% | 3,727 |
| Tier 1 risk-based capital ratio | 12.5326% | 4,527 |
| Total risk-based capital ratio | 13.2992% | 4,815 |
| Memoranda: | ||
| Average total assets | $254,912,000 | 2,592 |
| Average earning assets | $235,823,500 | 2,575 |
| Average equity | $24,764,000 | 2,677 |
| Average total loans | $188,653,500 | 2,487 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5792% | 2,585 |
| Cost of funding earning assets | 2.7533% | 2,908 |
| Net interest margin | 3.8260% | 3,913 |
| Noninterest income to average assets | 1.1975% | 1,049 |
| Noninterest expense to average assets | 3.1303% | 3,587 |
| Loan and lease loss provision to assets | 0.2526% | 4,394 |
| Net operating income to assets | 1.3441% | 1,363 |
| Return on assets (ROA) | 1.3588% | 1,284 |
| Pretax return on assets | 1.3367% | 2,180 |
| Return on Equity (ROE) | 13.5273% | 1,206 |
| Retained earnings to average equity (ytd only) | 3.4766% | 2,979 |
| Net charge-offs to loans | 0.2672% | 3,620 |
| Credit loss provision to net charge-offs | 128.2744% | 4,154 |
| Earnings coverage of net charge-offs (x) | 7.9958% | 2,967 |
| Efficiency ratio | 63.9923% | 5,561 |
| Assets per employee ($millions) | 3.3238% | 5,156 |
| Cash dividends to net income (ytd only)* | 74.2995% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7643% | 7,228 |
| Loan loss allowance to noncurrent loans | 50.1743% | 5,483 |
| Noncurrent assets plus other real estate owned to assets | 1.4904% | 3,242 |
| Noncurrent loans to loans | 1.5232% | 3,503 |
| Net loans and leases to total assets | 73.9651% | 3,106 |
| Net loans and leases to deposits | 89.8418% | 3,480 |
| Net loans and leases to core deposits | 106.2078% | 4,171 |
| Total domestic deposits to total assets | 82.3282% | 4,073 |
| Equity capital to assets | 9.6833% | 4,445 |
| Core capital (leverage) ratio | 9.8626% | 3,582 |
| Tier 1 risk-based capital ratio | 12.4709% | 4,459 |
| Total risk-based capital ratio | 13.2129% | 4,734 |
| Memoranda: | ||
| Average total assets | $244,256,200 | 2,608 |
| Average earning assets | $223,916,600 | 2,613 |
| Average equity | $24,535,600 | 2,686 |
| Average total loans | $180,029,000 | 2,497 |