Home > Fidelity Bank & Trust > Performance and Condition Ratios
Fidelity Bank & 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 | 4.1997% | 3,622 |
| Cost of funding earning assets | 1.3984% | 2,237 |
| Net interest margin | 2.8014% | 3,658 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 1.8187% | 3,974 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 0.7374% | 3,088 |
| Return on assets (ROA) | 0.7371% | 3,068 |
| Pretax return on assets | 0.8991% | 2,964 |
| Return on Equity (ROE) | 7.6900% | 3,102 |
| Retained earnings to average equity (ytd only) | 4.2488% | 2,876 |
| Net charge-offs to loans | -0.0012% | 3,624 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.4734% | 2,783 |
| Assets per employee ($millions) | 7.1341% | 1,984 |
| Cash dividends to net income (ytd only)* | 44.7127% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3179% | 1,687 |
| Loan loss allowance to noncurrent loans | 366.8808% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.2397% | 2,016 |
| Noncurrent loans to loans | 0.3592% | 1,908 |
| Net loans and leases to total assets | 65.8400% | 2,271 |
| Net loans and leases to deposits | 76.9926% | 2,354 |
| Net loans and leases to core deposits | 83.5379% | 2,493 |
| Total domestic deposits to total assets | 85.5100% | 2,160 |
| Equity capital to assets | 9.8270% | 2,108 |
| Core capital (leverage) ratio | 9.1993% | 3,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4854% | 2,419 |
| Memoranda: | ||
| Average total assets | $1,820,537,200 | 619 |
| Average earning assets | $1,651,874,400 | 623 |
| Average equity | $174,612,400 | 604 |
| Average total loans | $1,204,330,400 | 631 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1078% | 3,648 |
| Cost of funding earning assets | 1.2597% | 2,257 |
| Net interest margin | 2.8482% | 3,647 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 1.8468% | 3,886 |
| Loan and lease loss provision to assets | 0.3000% | 314 |
| Net operating income to assets | 0.6201% | 3,492 |
| Return on assets (ROA) | 0.6197% | 3,489 |
| Pretax return on assets | 0.7428% | 3,465 |
| Return on Equity (ROE) | 6.5000% | 3,545 |
| Retained earnings to average equity (ytd only) | 4.1768% | 3,210 |
| Net charge-offs to loans | -0.0008% | 3,459 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.8986% | 2,626 |
| Assets per employee ($millions) | 6.7493% | 2,138 |
| Cash dividends to net income (ytd only)* | 35.7654% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6158% | 857 |
| Loan loss allowance to noncurrent loans | 682.1951% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.1587% | 2,524 |
| Noncurrent loans to loans | 0.2368% | 2,404 |
| Net loans and leases to total assets | 65.9100% | 2,249 |
| Net loans and leases to deposits | 76.8166% | 2,354 |
| Net loans and leases to core deposits | 82.1920% | 2,455 |
| Total domestic deposits to total assets | 85.8000% | 2,257 |
| Equity capital to assets | 9.2323% | 2,268 |
| Core capital (leverage) ratio | 9.2523% | 3,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7333% | 2,371 |
| Memoranda: | ||
| Average total assets | $1,804,818,000 | 626 |
| Average earning assets | $1,636,474,500 | 629 |
| Average equity | $171,994,750 | 607 |
| Average total loans | $1,191,266,250 | 631 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9767% | 3,735 |
| Cost of funding earning assets | 1.1318% | 2,189 |
| Net interest margin | 2.8449% | 3,741 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 1.8003% | 3,998 |
| Loan and lease loss provision to assets | 0.4100% | 202 |
| Net operating income to assets | 0.5752% | 3,640 |
| Return on assets (ROA) | 0.5746% | 3,647 |
| Pretax return on assets | 0.6823% | 3,635 |
| Return on Equity (ROE) | 5.9700% | 3,695 |
| Retained earnings to average equity (ytd only) | 3.6635% | 3,297 |
| Net charge-offs to loans | -0.0008% | 3,429 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.1062% | 2,828 |
| Assets per employee ($millions) | 6.8949% | 2,008 |
| Cash dividends to net income (ytd only)* | 38.6026% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6410% | 855 |
| Loan loss allowance to noncurrent loans | 651.9107% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.1625% | 2,424 |
| Noncurrent loans to loans | 0.2517% | 2,256 |
| Net loans and leases to total assets | 63.4800% | 2,436 |
| Net loans and leases to deposits | 73.0422% | 2,575 |
| Net loans and leases to core deposits | 77.9892% | 2,615 |
| Total domestic deposits to total assets | 86.9100% | 1,955 |
| Equity capital to assets | 9.6370% | 2,072 |
| Core capital (leverage) ratio | 9.0397% | 3,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8350% | 2,357 |
| Memoranda: | ||
| Average total assets | $1,803,489,000 | 616 |
| Average earning assets | $1,636,386,333 | 615 |
| Average equity | $173,661,333 | 595 |
| Average total loans | $1,184,437,667 | 621 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8004% | 3,853 |
| Cost of funding earning assets | 0.9520% | 2,214 |
| Net interest margin | 2.8484% | 3,869 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 1.8201% | 3,991 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.8211% | 3,132 |
| Return on assets (ROA) | 0.8222% | 3,075 |
| Pretax return on assets | 1.0090% | 2,962 |
| Return on Equity (ROE) | 8.5400% | 3,171 |
| Retained earnings to average equity (ytd only) | 6.2274% | 2,704 |
| Net charge-offs to loans | -0.0027% | 3,482 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.3293% | 2,773 |
| Assets per employee ($millions) | 6.5897% | 2,275 |
| Cash dividends to net income (ytd only)* | 27.1003% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3382% | 1,866 |
| Loan loss allowance to noncurrent loans | 611.2940% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 2,498 |
| Noncurrent loans to loans | 0.2189% | 2,381 |
| Net loans and leases to total assets | 65.2000% | 2,137 |
| Net loans and leases to deposits | 75.3375% | 2,175 |
| Net loans and leases to core deposits | 79.4800% | 2,289 |
| Total domestic deposits to total assets | 86.5400% | 2,429 |
| Equity capital to assets | 9.7748% | 1,949 |
| Core capital (leverage) ratio | 9.2154% | 3,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5643% | 2,552 |
| Memoranda: | ||
| Average total assets | $1,795,112,500 | 631 |
| Average earning assets | $1,627,294,000 | 627 |
| Average equity | $172,783,500 | 609 |
| Average total loans | $1,189,297,500 | 629 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3797% | 3,399 |
| Cost of funding earning assets | 0.3529% | 2,454 |
| Net interest margin | 3.0269% | 3,373 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 1.8146% | 4,008 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 0.9071% | 2,932 |
| Return on assets (ROA) | 0.9062% | 2,874 |
| Pretax return on assets | 1.1245% | 2,694 |
| Return on Equity (ROE) | 9.0200% | 3,128 |
| Retained earnings to average equity (ytd only) | 6.7032% | 2,366 |
| Net charge-offs to loans | -0.0047% | 3,621 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.2109% | 3,438 |
| Assets per employee ($millions) | 6.2840% | 2,527 |
| Cash dividends to net income (ytd only)* | 25.6641% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2909% | 1,945 |
| Loan loss allowance to noncurrent loans | 451.3864% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.1931% | 2,206 |
| Noncurrent loans to loans | 0.2860% | 2,121 |
| Net loans and leases to total assets | 65.5600% | 2,082 |
| Net loans and leases to deposits | 74.7879% | 2,188 |
| Net loans and leases to core deposits | 78.1911% | 2,261 |
| Total domestic deposits to total assets | 87.6700% | 2,187 |
| Equity capital to assets | 9.4739% | 2,031 |
| Core capital (leverage) ratio | 9.2189% | 3,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3702% | 2,624 |
| Memoranda: | ||
| Average total assets | $1,719,989,200 | 632 |
| Average earning assets | $1,563,193,000 | 632 |
| Average equity | $172,844,000 | 600 |
| Average total loans | $1,085,615,800 | 638 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2066% | 3,417 |
| Cost of funding earning assets | 0.2688% | 2,500 |
| Net interest margin | 2.9378% | 3,388 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 1.8724% | 3,811 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.8344% | 3,116 |
| Return on assets (ROA) | 0.8289% | 3,108 |
| Pretax return on assets | 1.0299% | 2,936 |
| Return on Equity (ROE) | 8.1300% | 3,287 |
| Retained earnings to average equity (ytd only) | 5.8246% | 2,812 |
| Net charge-offs to loans | -0.0054% | 3,498 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.6993% | 3,027 |
| Assets per employee ($millions) | 6.3884% | 2,413 |
| Cash dividends to net income (ytd only)* | 28.3233% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2205% | 2,419 |
| Loan loss allowance to noncurrent loans | 394.5284% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.2053% | 2,238 |
| Noncurrent loans to loans | 0.3094% | 2,136 |
| Net loans and leases to total assets | 65.2000% | 1,961 |
| Net loans and leases to deposits | 73.8486% | 2,067 |
| Net loans and leases to core deposits | 76.1715% | 2,183 |
| Total domestic deposits to total assets | 88.2900% | 2,334 |
| Equity capital to assets | 9.4143% | 1,938 |
| Core capital (leverage) ratio | 9.0685% | 3,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3964% | 2,690 |
| Memoranda: | ||
| Average total assets | $1,703,823,500 | 640 |
| Average earning assets | $1,550,821,750 | 640 |
| Average equity | $173,786,000 | 602 |
| Average total loans | $1,060,669,500 | 649 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0943% | 3,319 |
| Cost of funding earning assets | 0.2544% | 2,203 |
| Net interest margin | 2.8399% | 3,311 |
| Noninterest income to average assets | 0.3614% | 2,982 |
| Noninterest expense to average assets | 1.8506% | 3,837 |
| Loan and lease loss provision to assets | 0.1177% | 854 |
| Net operating income to assets | 0.7944% | 2,979 |
| Return on assets (ROA) | 0.7976% | 2,937 |
| Pretax return on assets | 0.9845% | 2,785 |
| Return on Equity (ROE) | 7.6215% | 3,127 |
| Retained earnings to average equity (ytd only) | 5.9341% | 2,353 |
| Net charge-offs to loans | -0.0075% | 3,478 |
| Credit loss provision to net charge-offs | -2,564.1026% | 3,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6327% | 3,087 |
| Assets per employee ($millions) | 6.1821% | 2,580 |
| Cash dividends to net income (ytd only)* | 22.1402% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 2,545 |
| Loan loss allowance to noncurrent loans | 374.4717% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.2075% | 2,281 |
| Noncurrent loans to loans | 0.3280% | 2,162 |
| Net loans and leases to total assets | 62.4067% | 2,077 |
| Net loans and leases to deposits | 70.2787% | 2,180 |
| Net loans and leases to core deposits | 72.3512% | 2,301 |
| Total domestic deposits to total assets | 88.7990% | 2,258 |
| Equity capital to assets | 9.8948% | 1,769 |
| Core capital (leverage) ratio | 8.8497% | 3,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5580% | 2,660 |
| Memoranda: | ||
| Average total assets | $1,698,937,333 | 638 |
| Average earning assets | $1,547,958,667 | 642 |
| Average equity | $177,787,000 | 594 |
| Average total loans | $1,036,142,000 | 654 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9029% | 3,528 |
| Cost of funding earning assets | 0.2711% | 1,920 |
| Net interest margin | 2.6318% | 3,580 |
| Noninterest income to average assets | 0.3948% | 2,722 |
| Noninterest expense to average assets | 1.8483% | 3,819 |
| Loan and lease loss provision to assets | 0.0946% | 873 |
| Net operating income to assets | 0.6992% | 3,057 |
| Return on assets (ROA) | 0.7056% | 3,029 |
| Pretax return on assets | 0.8626% | 2,903 |
| Return on Equity (ROE) | 6.5619% | 3,174 |
| Retained earnings to average equity (ytd only) | 6.5619% | 2,049 |
| Net charge-offs to loans | -0.0134% | 3,709 |
| Credit loss provision to net charge-offs | -1,176.4706% | 3,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8838% | 2,927 |
| Assets per employee ($millions) | 6.0765% | 2,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 2,808 |
| Loan loss allowance to noncurrent loans | 462.7873% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.1588% | 2,689 |
| Noncurrent loans to loans | 0.2615% | 2,537 |
| Net loans and leases to total assets | 60.0068% | 2,067 |
| Net loans and leases to deposits | 68.2334% | 2,129 |
| Net loans and leases to core deposits | 70.2707% | 2,271 |
| Total domestic deposits to total assets | 87.9433% | 2,547 |
| Equity capital to assets | 10.3405% | 1,665 |
| Core capital (leverage) ratio | 8.8149% | 3,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8341% | 2,664 |
| Memoranda: | ||
| Average total assets | $1,692,190,000 | 639 |
| Average earning assets | $1,544,961,500 | 647 |
| Average equity | $181,959,500 | 597 |
| Average total loans | $1,013,231,500 | 658 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8120% | 4,187 |
| Cost of funding earning assets | 0.3196% | 2,200 |
| Net interest margin | 2.4923% | 4,203 |
| Noninterest income to average assets | 0.9463% | 1,098 |
| Noninterest expense to average assets | 1.8669% | 4,004 |
| Loan and lease loss provision to assets | 0.0312% | 2,432 |
| Net operating income to assets | 1.0534% | 2,471 |
| Return on assets (ROA) | 1.0656% | 2,507 |
| Pretax return on assets | 1.3472% | 2,211 |
| Return on Equity (ROE) | 9.3765% | 2,767 |
| Retained earnings to average equity (ytd only) | 5.8117% | 2,436 |
| Net charge-offs to loans | -0.0158% | 3,894 |
| Credit loss provision to net charge-offs | -347.2222% | 3,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7481% | 3,609 |
| Assets per employee ($millions) | 6.2591% | 2,519 |
| Cash dividends to net income (ytd only)* | 38.0184% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 2,613 |
| Loan loss allowance to noncurrent loans | 331.5562% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.2228% | 2,443 |
| Noncurrent loans to loans | 0.3777% | 2,234 |
| Net loans and leases to total assets | 58.2385% | 2,351 |
| Net loans and leases to deposits | 66.8364% | 2,424 |
| Net loans and leases to core deposits | 68.8513% | 2,570 |
| Total domestic deposits to total assets | 87.1359% | 2,458 |
| Equity capital to assets | 11.1819% | 1,674 |
| Core capital (leverage) ratio | 8.5986% | 3,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8468% | 2,690 |
| Memoranda: | ||
| Average total assets | $1,604,441,800 | 646 |
| Average earning assets | $1,470,066,000 | 652 |
| Average equity | $182,338,800 | 597 |
| Average total loans | $908,889,000 | 720 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8275% | 4,263 |
| Cost of funding earning assets | 0.3339% | 2,259 |
| Net interest margin | 2.4935% | 4,286 |
| Noninterest income to average assets | 1.0973% | 922 |
| Noninterest expense to average assets | 1.8913% | 3,965 |
| Loan and lease loss provision to assets | 0.0209% | 2,571 |
| Net operating income to assets | 1.1588% | 2,329 |
| Return on assets (ROA) | 1.1752% | 2,311 |
| Pretax return on assets | 1.4920% | 2,016 |
| Return on Equity (ROE) | 10.2974% | 2,628 |
| Retained earnings to average equity (ytd only) | 8.0943% | 2,026 |
| Net charge-offs to loans | -0.0260% | 4,079 |
| Credit loss provision to net charge-offs | -143.6782% | 3,309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8807% | 3,683 |
| Assets per employee ($millions) | 5.8896% | 2,798 |
| Cash dividends to net income (ytd only)* | 21.3950% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3652% | 2,157 |
| Loan loss allowance to noncurrent loans | 306.9133% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.2429% | 2,567 |
| Noncurrent loans to loans | 0.4448% | 2,227 |
| Net loans and leases to total assets | 53.8648% | 2,987 |
| Net loans and leases to deposits | 62.1519% | 3,022 |
| Net loans and leases to core deposits | 64.0988% | 3,131 |
| Total domestic deposits to total assets | 86.6664% | 2,478 |
| Equity capital to assets | 11.5976% | 1,605 |
| Core capital (leverage) ratio | 8.8640% | 3,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3475% | 2,235 |
| Memoranda: | ||
| Average total assets | $1,590,888,250 | 659 |
| Average earning assets | $1,458,661,250 | 661 |
| Average equity | $181,556,000 | 606 |
| Average total loans | $891,554,500 | 743 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8589% | 4,273 |
| Cost of funding earning assets | 0.3543% | 2,275 |
| Net interest margin | 2.5046% | 4,294 |
| Noninterest income to average assets | 0.9424% | 1,172 |
| Noninterest expense to average assets | 1.8855% | 4,003 |
| Loan and lease loss provision to assets | 0.0316% | 2,350 |
| Net operating income to assets | 1.0493% | 2,725 |
| Return on assets (ROA) | 1.0493% | 2,802 |
| Pretax return on assets | 1.3249% | 2,564 |
| Return on Equity (ROE) | 9.2459% | 3,028 |
| Retained earnings to average equity (ytd only) | 5.9068% | 2,841 |
| Net charge-offs to loans | -0.0042% | 3,383 |
| Credit loss provision to net charge-offs | -1,315.7895% | 3,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0955% | 3,394 |
| Assets per employee ($millions) | 5.7848% | 2,818 |
| Cash dividends to net income (ytd only)* | 36.1141% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3283% | 2,300 |
| Loan loss allowance to noncurrent loans | 232.1345% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.3180% | 2,327 |
| Noncurrent loans to loans | 0.5722% | 1,969 |
| Net loans and leases to total assets | 54.0803% | 3,124 |
| Net loans and leases to deposits | 62.0380% | 3,199 |
| Net loans and leases to core deposits | 63.6083% | 3,322 |
| Total domestic deposits to total assets | 87.1730% | 2,230 |
| Equity capital to assets | 11.2117% | 1,824 |
| Core capital (leverage) ratio | 8.4056% | 4,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1468% | 2,305 |
| Memoranda: | ||
| Average total assets | $1,583,272,000 | 655 |
| Average earning assets | $1,453,628,333 | 657 |
| Average equity | $179,690,000 | 607 |
| Average total loans | $894,983,667 | 745 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9586% | 4,172 |
| Cost of funding earning assets | 0.3814% | 2,247 |
| Net interest margin | 2.5772% | 4,189 |
| Noninterest income to average assets | 0.7127% | 1,838 |
| Noninterest expense to average assets | 1.8573% | 4,092 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9615% | 2,924 |
| Return on assets (ROA) | 0.9615% | 3,019 |
| Pretax return on assets | 1.2198% | 2,789 |
| Return on Equity (ROE) | 8.4184% | 3,209 |
| Retained earnings to average equity (ytd only) | 5.0492% | 3,208 |
| Net charge-offs to loans | -0.0040% | 3,315 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2163% | 3,123 |
| Assets per employee ($millions) | 5.7097% | 2,899 |
| Cash dividends to net income (ytd only)* | 40.0213% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2874% | 2,493 |
| Loan loss allowance to noncurrent loans | 150.9159% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.5125% | 1,852 |
| Noncurrent loans to loans | 0.8531% | 1,574 |
| Net loans and leases to total assets | 55.7102% | 3,077 |
| Net loans and leases to deposits | 63.6135% | 3,163 |
| Net loans and leases to core deposits | 65.3719% | 3,291 |
| Total domestic deposits to total assets | 87.5761% | 2,055 |
| Equity capital to assets | 11.0676% | 1,813 |
| Core capital (leverage) ratio | 8.6157% | 3,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9421% | 2,310 |
| Memoranda: | ||
| Average total assets | $1,559,248,500 | 656 |
| Average earning assets | $1,430,565,000 | 661 |
| Average equity | $178,086,000 | 603 |
| Average total loans | $895,426,000 | 737 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5712% | 3,871 |
| Cost of funding earning assets | 0.6298% | 2,122 |
| Net interest margin | 2.9415% | 4,035 |
| Noninterest income to average assets | 0.6145% | 2,165 |
| Noninterest expense to average assets | 2.0174% | 4,104 |
| Loan and lease loss provision to assets | 0.1185% | 2,882 |
| Net operating income to assets | 0.9147% | 2,631 |
| Return on assets (ROA) | 0.9842% | 2,492 |
| Pretax return on assets | 1.2366% | 2,202 |
| Return on Equity (ROE) | 8.0896% | 2,778 |
| Retained earnings to average equity (ytd only) | 3.9345% | 2,858 |
| Net charge-offs to loans | 0.0622% | 1,890 |
| Credit loss provision to net charge-offs | 298.7698% | 1,739 |
| Earnings coverage of net charge-offs (x) | 31.9631% | 1,555 |
| Efficiency ratio | 60.2424% | 3,422 |
| Assets per employee ($millions) | 5.4866% | 2,856 |
| Cash dividends to net income (ytd only)* | 51.3638% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 2,379 |
| Loan loss allowance to noncurrent loans | 170.6159% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.4799% | 2,122 |
| Noncurrent loans to loans | 0.7656% | 1,797 |
| Net loans and leases to total assets | 57.7044% | 3,121 |
| Net loans and leases to deposits | 66.5788% | 3,220 |
| Net loans and leases to core deposits | 68.6641% | 3,360 |
| Total domestic deposits to total assets | 86.6708% | 2,088 |
| Equity capital to assets | 11.7933% | 1,683 |
| Core capital (leverage) ratio | 8.5868% | 4,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5735% | 2,412 |
| Memoranda: | ||
| Average total assets | $1,434,088,400 | 641 |
| Average earning assets | $1,302,245,200 | 650 |
| Average equity | $174,483,200 | 578 |
| Average total loans | $915,237,000 | 699 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7395% | 3,704 |
| Cost of funding earning assets | 0.6959% | 2,046 |
| Net interest margin | 3.0436% | 3,877 |
| Noninterest income to average assets | 0.5099% | 2,566 |
| Noninterest expense to average assets | 1.9876% | 4,174 |
| Loan and lease loss provision to assets | 0.1416% | 2,603 |
| Net operating income to assets | 0.9060% | 2,676 |
| Return on assets (ROA) | 1.0002% | 2,468 |
| Pretax return on assets | 1.2575% | 2,197 |
| Return on Equity (ROE) | 8.1531% | 2,748 |
| Retained earnings to average equity (ytd only) | 3.7292% | 3,181 |
| Net charge-offs to loans | 0.0464% | 1,951 |
| Credit loss provision to net charge-offs | 467.2897% | 1,337 |
| Earnings coverage of net charge-offs (x) | 42.2960% | 1,322 |
| Efficiency ratio | 59.6200% | 3,444 |
| Assets per employee ($millions) | 5.2056% | 3,014 |
| Cash dividends to net income (ytd only)* | 54.2606% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2702% | 2,295 |
| Loan loss allowance to noncurrent loans | 159.9424% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.5298% | 2,110 |
| Noncurrent loans to loans | 0.7941% | 1,833 |
| Net loans and leases to total assets | 61.7135% | 3,043 |
| Net loans and leases to deposits | 71.8357% | 3,145 |
| Net loans and leases to core deposits | 74.4112% | 3,291 |
| Total domestic deposits to total assets | 85.9092% | 2,105 |
| Equity capital to assets | 12.0638% | 1,637 |
| Core capital (leverage) ratio | 8.8664% | 3,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5469% | 2,395 |
| Memoranda: | ||
| Average total assets | $1,412,665,250 | 636 |
| Average earning assets | $1,280,624,500 | 647 |
| Average equity | $173,295,750 | 575 |
| Average total loans | $921,899,250 | 688 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8971% | 3,630 |
| Cost of funding earning assets | 0.7669% | 2,010 |
| Net interest margin | 3.1302% | 3,840 |
| Noninterest income to average assets | 0.4724% | 2,698 |
| Noninterest expense to average assets | 1.9936% | 4,246 |
| Loan and lease loss provision to assets | 0.1434% | 2,579 |
| Net operating income to assets | 0.9249% | 2,611 |
| Return on assets (ROA) | 1.0663% | 2,210 |
| Pretax return on assets | 1.3468% | 1,879 |
| Return on Equity (ROE) | 8.6415% | 2,512 |
| Retained earnings to average equity (ytd only) | 3.4099% | 3,220 |
| Net charge-offs to loans | 0.0557% | 1,702 |
| Credit loss provision to net charge-offs | 389.1051% | 1,428 |
| Earnings coverage of net charge-offs (x) | 35.5720% | 1,321 |
| Efficiency ratio | 59.1363% | 3,537 |
| Assets per employee ($millions) | 5.0456% | 3,119 |
| Cash dividends to net income (ytd only)* | 60.5408% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 2,527 |
| Loan loss allowance to noncurrent loans | 134.1825% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.6204% | 1,957 |
| Noncurrent loans to loans | 0.8931% | 1,712 |
| Net loans and leases to total assets | 63.8781% | 2,898 |
| Net loans and leases to deposits | 74.2466% | 3,055 |
| Net loans and leases to core deposits | 77.1146% | 3,187 |
| Total domestic deposits to total assets | 86.0350% | 1,996 |
| Equity capital to assets | 12.0896% | 1,610 |
| Core capital (leverage) ratio | 8.7956% | 4,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0667% | 2,582 |
| Memoranda: | ||
| Average total assets | $1,394,231,000 | 624 |
| Average earning assets | $1,261,716,667 | 638 |
| Average equity | $172,030,000 | 578 |
| Average total loans | $923,335,667 | 681 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0827% | 3,572 |
| Cost of funding earning assets | 0.8427% | 2,148 |
| Net interest margin | 3.2400% | 3,753 |
| Noninterest income to average assets | 0.3894% | 3,173 |
| Noninterest expense to average assets | 2.0036% | 4,382 |
| Loan and lease loss provision to assets | 0.0878% | 2,593 |
| Net operating income to assets | 0.9659% | 2,296 |
| Return on assets (ROA) | 1.2541% | 1,470 |
| Pretax return on assets | 1.5894% | 1,081 |
| Return on Equity (ROE) | 10.0568% | 1,730 |
| Retained earnings to average equity (ytd only) | 3.6056% | 2,843 |
| Net charge-offs to loans | 0.1025% | 1,065 |
| Credit loss provision to net charge-offs | 127.6596% | 1,679 |
| Earnings coverage of net charge-offs (x) | 19.0894% | 1,443 |
| Efficiency ratio | 59.2236% | 3,836 |
| Assets per employee ($millions) | 4.8423% | 2,824 |
| Cash dividends to net income (ytd only)* | 64.1474% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1401% | 2,990 |
| Loan loss allowance to noncurrent loans | 153.3683% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.5601% | 2,317 |
| Noncurrent loans to loans | 0.7434% | 2,146 |
| Net loans and leases to total assets | 67.1740% | 2,680 |
| Net loans and leases to deposits | 78.4251% | 2,842 |
| Net loans and leases to core deposits | 82.3314% | 2,994 |
| Total domestic deposits to total assets | 85.6537% | 2,147 |
| Equity capital to assets | 12.6370% | 1,653 |
| Core capital (leverage) ratio | 9.1994% | 4,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9816% | 3,105 |
| Memoranda: | ||
| Average total assets | $1,367,305,500 | 613 |
| Average earning assets | $1,235,065,500 | 617 |
| Average equity | $170,511,000 | 579 |
| Average total loans | $916,890,500 | 656 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3521% | 3,384 |
| Cost of funding earning assets | 0.9003% | 2,187 |
| Net interest margin | 3.4518% | 3,585 |
| Noninterest income to average assets | 0.4081% | 3,242 |
| Noninterest expense to average assets | 2.0219% | 4,495 |
| Loan and lease loss provision to assets | 0.0692% | 2,626 |
| Net operating income to assets | 1.1346% | 2,313 |
| Return on assets (ROA) | 1.1645% | 2,294 |
| Pretax return on assets | 1.4544% | 1,961 |
| Return on Equity (ROE) | 9.7179% | 2,433 |
| Retained earnings to average equity (ytd only) | 5.6623% | 2,050 |
| Net charge-offs to loans | -0.0230% | 4,656 |
| Credit loss provision to net charge-offs | -438.3886% | 4,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4724% | 4,148 |
| Assets per employee ($millions) | 5.1075% | 2,445 |
| Cash dividends to net income (ytd only)* | 41.7335% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1522% | 2,680 |
| Loan loss allowance to noncurrent loans | 219.6687% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.3951% | 2,819 |
| Noncurrent loans to loans | 0.5245% | 2,611 |
| Net loans and leases to total assets | 65.4139% | 3,025 |
| Net loans and leases to deposits | 76.1991% | 3,158 |
| Net loans and leases to core deposits | 79.9973% | 3,294 |
| Total domestic deposits to total assets | 85.8460% | 2,122 |
| Equity capital to assets | 12.3058% | 1,949 |
| Core capital (leverage) ratio | 9.0298% | 4,511 |
| Tier 1 risk-based capital ratio | 11.0549% | 4,835 |
| Total risk-based capital ratio | 12.0286% | 4,840 |
| Memoranda: | ||
| Average total assets | $1,337,536,800 | 604 |
| Average earning assets | $1,201,187,400 | 605 |
| Average equity | $160,271,600 | 586 |
| Average total loans | $916,330,000 | 631 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5062% | 3,046 |
| Cost of funding earning assets | 0.9026% | 2,224 |
| Net interest margin | 3.6036% | 3,235 |
| Noninterest income to average assets | 0.3905% | 3,375 |
| Noninterest expense to average assets | 2.0819% | 4,394 |
| Loan and lease loss provision to assets | 0.1020% | 1,882 |
| Net operating income to assets | 1.1320% | 2,442 |
| Return on assets (ROA) | 1.1743% | 2,363 |
| Pretax return on assets | 1.4790% | 2,023 |
| Return on Equity (ROE) | 9.5672% | 2,637 |
| Retained earnings to average equity (ytd only) | 5.2982% | 2,736 |
| Net charge-offs to loans | -0.0262% | 4,657 |
| Credit loss provision to net charge-offs | -547.3373% | 4,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4338% | 4,119 |
| Assets per employee ($millions) | 5.2608% | 2,274 |
| Cash dividends to net income (ytd only)* | 44.6219% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1580% | 2,729 |
| Loan loss allowance to noncurrent loans | 299.3895% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 3,238 |
| Noncurrent loans to loans | 0.3868% | 3,163 |
| Net loans and leases to total assets | 69.4878% | 2,553 |
| Net loans and leases to deposits | 82.5789% | 2,610 |
| Net loans and leases to core deposits | 88.0299% | 2,725 |
| Total domestic deposits to total assets | 84.1472% | 2,767 |
| Equity capital to assets | 13.0192% | 1,612 |
| Core capital (leverage) ratio | 9.2261% | 4,454 |
| Tier 1 risk-based capital ratio | 10.8580% | 4,966 |
| Total risk-based capital ratio | 11.8581% | 4,969 |
| Memoranda: | ||
| Average total assets | $1,208,596,250 | 657 |
| Average earning assets | $1,079,564,000 | 673 |
| Average equity | $148,349,750 | 628 |
| Average total loans | $858,632,500 | 675 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3619% | 3,451 |
| Cost of funding earning assets | 0.9568% | 1,878 |
| Net interest margin | 3.4051% | 3,879 |
| Noninterest income to average assets | 0.2922% | 3,986 |
| Noninterest expense to average assets | 1.9721% | 4,653 |
| Loan and lease loss provision to assets | 0.0728% | 2,358 |
| Net operating income to assets | 1.0512% | 2,717 |
| Return on assets (ROA) | 1.0829% | 2,658 |
| Pretax return on assets | 1.3581% | 2,355 |
| Return on Equity (ROE) | 9.5032% | 2,631 |
| Retained earnings to average equity (ytd only) | 3.6462% | 3,431 |
| Net charge-offs to loans | 0.0087% | 2,830 |
| Credit loss provision to net charge-offs | 1,111.1111% | 312 |
| Earnings coverage of net charge-offs (x) | 212.3333% | 376 |
| Efficiency ratio | 58.5901% | 3,920 |
| Assets per employee ($millions) | 4.8386% | 2,687 |
| Cash dividends to net income (ytd only)* | 61.6316% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4334% | 1,475 |
| Loan loss allowance to noncurrent loans | 238.7620% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.5283% | 2,441 |
| Noncurrent loans to loans | 0.6003% | 2,474 |
| Net loans and leases to total assets | 74.2566% | 1,844 |
| Net loans and leases to deposits | 86.6062% | 2,185 |
| Net loans and leases to core deposits | 92.7627% | 2,341 |
| Total domestic deposits to total assets | 85.7405% | 2,165 |
| Equity capital to assets | 11.4488% | 2,641 |
| Core capital (leverage) ratio | 9.2126% | 4,444 |
| Tier 1 risk-based capital ratio | 10.2426% | 5,186 |
| Total risk-based capital ratio | 11.4896% | 5,110 |
| Memoranda: | ||
| Average total assets | $824,108,670 | 947 |
| Average earning assets | $743,292,670 | 969 |
| Average equity | $93,905,000 | 940 |
| Average total loans | $622,855,330 | 888 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3519% | 3,395 |
| Cost of funding earning assets | 0.9175% | 1,927 |
| Net interest margin | 3.4344% | 3,796 |
| Noninterest income to average assets | 0.2171% | 4,449 |
| Noninterest expense to average assets | 1.9594% | 4,715 |
| Loan and lease loss provision to assets | 0.0976% | 1,795 |
| Net operating income to assets | 1.0088% | 2,807 |
| Return on assets (ROA) | 1.0248% | 2,798 |
| Pretax return on assets | 1.2785% | 2,538 |
| Return on Equity (ROE) | 9.0155% | 2,805 |
| Retained earnings to average equity (ytd only) | 3.6517% | 3,461 |
| Net charge-offs to loans | -0.0013% | 3,819 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0555% | 3,944 |
| Assets per employee ($millions) | 4.8295% | 2,747 |
| Cash dividends to net income (ytd only)* | 59.4955% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4318% | 1,562 |
| Loan loss allowance to noncurrent loans | 907.0193% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.2954% | 3,424 |
| Noncurrent loans to loans | 0.1579% | 4,033 |
| Net loans and leases to total assets | 74.7587% | 1,679 |
| Net loans and leases to deposits | 87.4960% | 1,939 |
| Net loans and leases to core deposits | 93.8522% | 2,140 |
| Total domestic deposits to total assets | 85.4424% | 2,509 |
| Equity capital to assets | 11.4477% | 2,445 |
| Core capital (leverage) ratio | 9.2022% | 4,470 |
| Tier 1 risk-based capital ratio | 10.3213% | 5,220 |
| Total risk-based capital ratio | 11.5714% | 5,151 |
| Memoranda: | ||
| Average total assets | $820,046,500 | 959 |
| Average earning assets | $739,811,500 | 978 |
| Average equity | $93,217,000 | 941 |
| Average total loans | $620,795,500 | 896 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3081% | 3,077 |
| Cost of funding earning assets | 0.7485% | 1,801 |
| Net interest margin | 3.5596% | 3,517 |
| Noninterest income to average assets | 0.3151% | 4,009 |
| Noninterest expense to average assets | 1.9505% | 4,822 |
| Loan and lease loss provision to assets | 0.1351% | 1,603 |
| Net operating income to assets | 1.1303% | 2,472 |
| Return on assets (ROA) | 1.1303% | 2,471 |
| Pretax return on assets | 1.4072% | 2,112 |
| Return on Equity (ROE) | 8.7720% | 3,107 |
| Retained earnings to average equity (ytd only) | -13.3892% | 5,351 |
| Net charge-offs to loans | 0.0906% | 1,869 |
| Credit loss provision to net charge-offs | 200.7299% | 1,430 |
| Earnings coverage of net charge-offs (x) | 22.9161% | 1,875 |
| Efficiency ratio | 55.8017% | 4,432 |
| Assets per employee ($millions) | 4.5253% | 3,132 |
| Cash dividends to net income (ytd only)* | 252.6350% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4080% | 1,604 |
| Loan loss allowance to noncurrent loans | 482.5028% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.3517% | 3,142 |
| Noncurrent loans to loans | 0.2918% | 3,515 |
| Net loans and leases to total assets | 74.4961% | 1,840 |
| Net loans and leases to deposits | 87.1538% | 2,152 |
| Net loans and leases to core deposits | 92.2254% | 2,387 |
| Total domestic deposits to total assets | 85.4766% | 2,445 |
| Equity capital to assets | 11.2867% | 2,428 |
| Core capital (leverage) ratio | 8.9125% | 4,732 |
| Tier 1 risk-based capital ratio | 10.2488% | 5,253 |
| Total risk-based capital ratio | 11.4874% | 5,182 |
| Memoranda: | ||
| Average total assets | $814,232,800 | 938 |
| Average earning assets | $726,885,600 | 961 |
| Average equity | $104,913,000 | 814 |
| Average total loans | $604,713,000 | 890 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2927% | 2,992 |
| Cost of funding earning assets | 0.7026% | 1,831 |
| Net interest margin | 3.5901% | 3,399 |
| Noninterest income to average assets | 0.3072% | 4,092 |
| Noninterest expense to average assets | 1.9384% | 4,839 |
| Loan and lease loss provision to assets | 0.1271% | 1,582 |
| Net operating income to assets | 1.1589% | 2,415 |
| Return on assets (ROA) | 1.1589% | 2,418 |
| Pretax return on assets | 1.4385% | 2,095 |
| Return on Equity (ROE) | 8.7221% | 3,228 |
| Retained earnings to average equity (ytd only) | 4.0938% | 3,726 |
| Net charge-offs to loans | 0.0169% | 2,834 |
| Credit loss provision to net charge-offs | 1,019.7368% | 413 |
| Earnings coverage of net charge-offs (x) | 125.6195% | 638 |
| Efficiency ratio | 55.2768% | 4,479 |
| Assets per employee ($millions) | 4.8881% | 2,612 |
| Cash dividends to net income (ytd only)* | 53.0636% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4518% | 1,512 |
| Loan loss allowance to noncurrent loans | 621.3885% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.3064% | 3,470 |
| Noncurrent loans to loans | 0.2336% | 3,867 |
| Net loans and leases to total assets | 73.6816% | 2,042 |
| Net loans and leases to deposits | 90.1123% | 1,881 |
| Net loans and leases to core deposits | 95.4949% | 2,165 |
| Total domestic deposits to total assets | 81.7664% | 3,677 |
| Equity capital to assets | 13.3782% | 1,178 |
| Core capital (leverage) ratio | 11.4136% | 2,235 |
| Tier 1 risk-based capital ratio | 12.7852% | 4,033 |
| Total risk-based capital ratio | 14.0354% | 3,932 |
| Memoranda: | ||
| Average total assets | $813,023,250 | 940 |
| Average earning assets | $723,977,500 | 962 |
| Average equity | $108,029,750 | 791 |
| Average total loans | $601,168,750 | 887 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3092% | 2,728 |
| Cost of funding earning assets | 0.6560% | 1,893 |
| Net interest margin | 3.6531% | 3,107 |
| Noninterest income to average assets | 0.3131% | 4,081 |
| Noninterest expense to average assets | 1.9174% | 4,936 |
| Loan and lease loss provision to assets | 0.1355% | 1,451 |
| Net operating income to assets | 1.2102% | 2,155 |
| Return on assets (ROA) | 1.2102% | 2,152 |
| Pretax return on assets | 1.5083% | 1,788 |
| Return on Equity (ROE) | 9.1288% | 2,960 |
| Retained earnings to average equity (ytd only) | 4.4836% | 3,354 |
| Net charge-offs to loans | 0.0181% | 2,538 |
| Credit loss provision to net charge-offs | 1,018.5185% | 396 |
| Earnings coverage of net charge-offs (x) | 123.5741% | 602 |
| Efficiency ratio | 53.8009% | 4,713 |
| Assets per employee ($millions) | 4.6099% | 2,951 |
| Cash dividends to net income (ytd only)* | 50.8854% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4328% | 1,631 |
| Loan loss allowance to noncurrent loans | 616.2278% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.3195% | 3,489 |
| Noncurrent loans to loans | 0.2325% | 3,879 |
| Net loans and leases to total assets | 73.4127% | 2,056 |
| Net loans and leases to deposits | 88.0684% | 2,106 |
| Net loans and leases to core deposits | 92.6586% | 2,340 |
| Total domestic deposits to total assets | 83.3587% | 3,305 |
| Equity capital to assets | 13.3848% | 1,143 |
| Core capital (leverage) ratio | 11.2739% | 2,282 |
| Tier 1 risk-based capital ratio | 12.8653% | 3,970 |
| Total risk-based capital ratio | 14.1153% | 3,887 |
| Memoranda: | ||
| Average total assets | $811,929,000 | 945 |
| Average earning assets | $721,901,670 | 966 |
| Average equity | $107,637,330 | 793 |
| Average total loans | $598,115,670 | 892 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1591% | 3,029 |
| Cost of funding earning assets | 0.6143% | 1,949 |
| Net interest margin | 3.5448% | 3,365 |
| Noninterest income to average assets | 0.3147% | 4,049 |
| Noninterest expense to average assets | 1.8862% | 5,040 |
| Loan and lease loss provision to assets | 0.0492% | 2,796 |
| Net operating income to assets | 1.2297% | 1,894 |
| Return on assets (ROA) | 1.2297% | 1,902 |
| Pretax return on assets | 1.5281% | 1,599 |
| Return on Equity (ROE) | 9.3208% | 2,752 |
| Retained earnings to average equity (ytd only) | 4.6548% | 3,331 |
| Net charge-offs to loans | 0.0013% | 2,690 |
| Credit loss provision to net charge-offs | 5,000.0000% | 68 |
| Earnings coverage of net charge-offs (x) | 1,601.5000% | 33 |
| Efficiency ratio | 54.4149% | 4,757 |
| Assets per employee ($millions) | 4.8489% | 2,684 |
| Cash dividends to net income (ytd only)* | 50.0601% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3718% | 1,946 |
| Loan loss allowance to noncurrent loans | 195.2719% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.6549% | 2,356 |
| Noncurrent loans to loans | 0.7025% | 2,454 |
| Net loans and leases to total assets | 74.2257% | 1,823 |
| Net loans and leases to deposits | 89.0221% | 1,807 |
| Net loans and leases to core deposits | 92.8502% | 2,226 |
| Total domestic deposits to total assets | 83.3790% | 3,553 |
| Equity capital to assets | 13.4334% | 1,058 |
| Core capital (leverage) ratio | 11.2146% | 2,234 |
| Tier 1 risk-based capital ratio | 12.6226% | 4,160 |
| Total risk-based capital ratio | 13.8157% | 4,104 |
| Memoranda: | ||
| Average total assets | $812,224,500 | 950 |
| Average earning assets | $721,505,000 | 979 |
| Average equity | $107,158,000 | 791 |
| Average total loans | $595,032,000 | 899 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1425% | 2,906 |
| Cost of funding earning assets | 0.6147% | 1,510 |
| Net interest margin | 3.5278% | 3,433 |
| Noninterest income to average assets | 0.3361% | 4,063 |
| Noninterest expense to average assets | 2.0740% | 4,826 |
| Loan and lease loss provision to assets | 0.0681% | 2,841 |
| Net operating income to assets | 0.9285% | 2,557 |
| Return on assets (ROA) | 0.9320% | 2,573 |
| Pretax return on assets | 1.3340% | 2,234 |
| Return on Equity (ROE) | 7.0911% | 3,220 |
| Retained earnings to average equity (ytd only) | 2.3819% | 3,902 |
| Net charge-offs to loans | -0.0012% | 4,501 |
| Credit loss provision to net charge-offs | -7,857.1429% | 5,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5678% | 4,323 |
| Assets per employee ($millions) | 4.8780% | 2,635 |
| Cash dividends to net income (ytd only)* | 66.4099% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3882% | 1,815 |
| Loan loss allowance to noncurrent loans | 711.5955% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.2617% | 3,838 |
| Noncurrent loans to loans | 0.1951% | 4,134 |
| Net loans and leases to total assets | 70.3298% | 2,475 |
| Net loans and leases to deposits | 85.2459% | 2,349 |
| Net loans and leases to core deposits | 88.6884% | 2,669 |
| Total domestic deposits to total assets | 82.5023% | 3,733 |
| Equity capital to assets | 12.9600% | 1,287 |
| Core capital (leverage) ratio | 10.8384% | 2,484 |
| Tier 1 risk-based capital ratio | 12.7189% | 4,081 |
| Total risk-based capital ratio | 13.9238% | 3,998 |
| Memoranda: | ||
| Average total assets | $807,864,600 | 925 |
| Average earning assets | $717,917,600 | 957 |
| Average equity | $106,174,600 | 770 |
| Average total loans | $582,957,000 | 882 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1417% | 2,827 |
| Cost of funding earning assets | 0.6065% | 1,487 |
| Net interest margin | 3.5352% | 3,371 |
| Noninterest income to average assets | 0.3097% | 4,309 |
| Noninterest expense to average assets | 2.0676% | 4,805 |
| Loan and lease loss provision to assets | 0.0912% | 2,249 |
| Net operating income to assets | 0.9059% | 3,003 |
| Return on assets (ROA) | 0.9106% | 3,033 |
| Pretax return on assets | 1.2999% | 2,494 |
| Return on Equity (ROE) | 6.9037% | 3,714 |
| Retained earnings to average equity (ytd only) | 3.1305% | 4,047 |
| Net charge-offs to loans | -0.0316% | 5,013 |
| Credit loss provision to net charge-offs | -398.5507% | 4,752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6636% | 4,269 |
| Assets per employee ($millions) | 4.9212% | 2,548 |
| Cash dividends to net income (ytd only)* | 54.6548% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4379% | 1,747 |
| Loan loss allowance to noncurrent loans | 422.4656% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.3950% | 3,448 |
| Noncurrent loans to loans | 0.3403% | 3,729 |
| Net loans and leases to total assets | 70.4350% | 2,495 |
| Net loans and leases to deposits | 85.5171% | 2,362 |
| Net loans and leases to core deposits | 89.5103% | 2,654 |
| Total domestic deposits to total assets | 82.3636% | 3,667 |
| Equity capital to assets | 13.3028% | 1,251 |
| Core capital (leverage) ratio | 10.9891% | 2,470 |
| Tier 1 risk-based capital ratio | 12.9635% | 4,035 |
| Total risk-based capital ratio | 14.2119% | 3,945 |
| Memoranda: | ||
| Average total assets | $803,736,500 | 935 |
| Average earning assets | $714,443,500 | 964 |
| Average equity | $106,008,500 | 773 |
| Average total loans | $581,710,000 | 887 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1080% | 2,802 |
| Cost of funding earning assets | 0.5853% | 1,541 |
| Net interest margin | 3.5226% | 3,316 |
| Noninterest income to average assets | 0.3052% | 4,353 |
| Noninterest expense to average assets | 2.0446% | 4,888 |
| Loan and lease loss provision to assets | 0.1371% | 1,511 |
| Net operating income to assets | 0.8826% | 3,007 |
| Return on assets (ROA) | 0.8896% | 3,022 |
| Pretax return on assets | 1.2649% | 2,517 |
| Return on Equity (ROE) | 6.7642% | 3,683 |
| Retained earnings to average equity (ytd only) | 2.9747% | 3,946 |
| Net charge-offs to loans | -0.0634% | 5,267 |
| Credit loss provision to net charge-offs | -297.2973% | 4,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1763% | 4,443 |
| Assets per employee ($millions) | 4.7631% | 2,700 |
| Cash dividends to net income (ytd only)* | 56.0224% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4331% | 1,801 |
| Loan loss allowance to noncurrent loans | 793.5300% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.2863% | 3,985 |
| Noncurrent loans to loans | 0.1806% | 4,396 |
| Net loans and leases to total assets | 71.6867% | 2,251 |
| Net loans and leases to deposits | 86.0659% | 2,207 |
| Net loans and leases to core deposits | 90.1716% | 2,507 |
| Total domestic deposits to total assets | 83.2928% | 3,470 |
| Equity capital to assets | 13.3120% | 1,224 |
| Core capital (leverage) ratio | 10.9690% | 2,442 |
| Tier 1 risk-based capital ratio | 12.7224% | 4,172 |
| Total risk-based capital ratio | 13.9679% | 4,082 |
| Memoranda: | ||
| Average total assets | $802,621,000 | 943 |
| Average earning assets | $713,443,330 | 969 |
| Average equity | $105,556,330 | 780 |
| Average total loans | $583,359,330 | 893 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0494% | 2,854 |
| Cost of funding earning assets | 0.5703% | 1,579 |
| Net interest margin | 3.4791% | 3,361 |
| Noninterest income to average assets | 0.2901% | 4,479 |
| Noninterest expense to average assets | 1.9890% | 5,073 |
| Loan and lease loss provision to assets | 0.1617% | 1,114 |
| Net operating income to assets | 0.8678% | 2,912 |
| Return on assets (ROA) | 0.8678% | 2,966 |
| Pretax return on assets | 1.2331% | 2,464 |
| Return on Equity (ROE) | 6.6392% | 3,586 |
| Retained earnings to average equity (ytd only) | 2.8323% | 3,996 |
| Net charge-offs to loans | 0.0103% | 2,627 |
| Credit loss provision to net charge-offs | 2,166.6667% | 156 |
| Earnings coverage of net charge-offs (x) | 186.8667% | 306 |
| Efficiency ratio | 58.4559% | 4,668 |
| Assets per employee ($millions) | 5.1196% | 2,281 |
| Cash dividends to net income (ytd only)* | 57.3394% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3519% | 2,298 |
| Loan loss allowance to noncurrent loans | 534.7973% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.4138% | 3,526 |
| Noncurrent loans to loans | 0.2528% | 4,208 |
| Net loans and leases to total assets | 71.8556% | 2,096 |
| Net loans and leases to deposits | 86.4485% | 1,981 |
| Net loans and leases to core deposits | 90.4854% | 2,313 |
| Total domestic deposits to total assets | 83.1195% | 3,793 |
| Equity capital to assets | 13.1311% | 1,208 |
| Core capital (leverage) ratio | 10.8422% | 2,553 |
| Tier 1 risk-based capital ratio | 12.6433% | 4,295 |
| Total risk-based capital ratio | 13.8297% | 4,248 |
| Memoranda: | ||
| Average total assets | $803,835,000 | 941 |
| Average earning assets | $714,772,500 | 967 |
| Average equity | $105,073,500 | 781 |
| Average total loans | $584,053,000 | 898 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1870% | 2,530 |
| Cost of funding earning assets | 0.5568% | 1,626 |
| Net interest margin | 3.6301% | 2,961 |
| Noninterest income to average assets | 0.3738% | 4,072 |
| Noninterest expense to average assets | 2.0459% | 5,099 |
| Loan and lease loss provision to assets | 0.2027% | 1,130 |
| Net operating income to assets | 0.9351% | 2,648 |
| Return on assets (ROA) | 0.9449% | 2,713 |
| Pretax return on assets | 1.3733% | 2,036 |
| Return on Equity (ROE) | 7.0723% | 3,431 |
| Retained earnings to average equity (ytd only) | 2.8345% | 3,879 |
| Net charge-offs to loans | 0.1234% | 2,029 |
| Credit loss provision to net charge-offs | 221.8310% | 1,293 |
| Earnings coverage of net charge-offs (x) | 17.0944% | 2,072 |
| Efficiency ratio | 56.3918% | 5,026 |
| Assets per employee ($millions) | 5.2201% | 2,147 |
| Cash dividends to net income (ytd only)* | 59.9210% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3053% | 2,520 |
| Loan loss allowance to noncurrent loans | 462.3100% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.5281% | 3,159 |
| Noncurrent loans to loans | 0.2823% | 4,144 |
| Net loans and leases to total assets | 71.5303% | 2,233 |
| Net loans and leases to deposits | 86.0274% | 2,163 |
| Net loans and leases to core deposits | 89.8340% | 2,516 |
| Total domestic deposits to total assets | 83.1483% | 3,721 |
| Equity capital to assets | 13.0120% | 1,254 |
| Core capital (leverage) ratio | 10.7255% | 2,624 |
| Tier 1 risk-based capital ratio | 12.5211% | 4,365 |
| Total risk-based capital ratio | 13.6599% | 4,322 |
| Memoranda: | ||
| Average total assets | $777,120,200 | 929 |
| Average earning assets | $692,291,000 | 962 |
| Average equity | $103,827,000 | 762 |
| Average total loans | $575,468,200 | 864 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2209% | 2,445 |
| Cost of funding earning assets | 0.5487% | 1,706 |
| Net interest margin | 3.6721% | 2,822 |
| Noninterest income to average assets | 0.3724% | 4,114 |
| Noninterest expense to average assets | 2.0568% | 5,095 |
| Loan and lease loss provision to assets | 0.2077% | 1,017 |
| Net operating income to assets | 0.9524% | 2,640 |
| Return on assets (ROA) | 0.9655% | 2,724 |
| Pretax return on assets | 1.4021% | 2,030 |
| Return on Equity (ROE) | 7.1777% | 3,462 |
| Retained earnings to average equity (ytd only) | 3.3180% | 3,912 |
| Net charge-offs to loans | 0.1325% | 1,646 |
| Credit loss provision to net charge-offs | 210.5263% | 1,391 |
| Earnings coverage of net charge-offs (x) | 16.1263% | 2,139 |
| Efficiency ratio | 56.0706% | 5,062 |
| Assets per employee ($millions) | 5.1500% | 2,189 |
| Cash dividends to net income (ytd only)* | 53.7731% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 2,876 |
| Loan loss allowance to noncurrent loans | 217.1479% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.5929% | 3,135 |
| Noncurrent loans to loans | 0.5814% | 3,263 |
| Net loans and leases to total assets | 74.1223% | 1,853 |
| Net loans and leases to deposits | 89.7171% | 1,795 |
| Net loans and leases to core deposits | 93.6823% | 2,216 |
| Total domestic deposits to total assets | 82.6178% | 3,741 |
| Equity capital to assets | 13.5140% | 1,240 |
| Core capital (leverage) ratio | 11.1113% | 2,345 |
| Tier 1 risk-based capital ratio | 12.4845% | 4,493 |
| Total risk-based capital ratio | 13.5899% | 4,485 |
| Memoranda: | ||
| Average total assets | $770,427,750 | 937 |
| Average earning assets | $687,142,000 | 970 |
| Average equity | $103,633,250 | 766 |
| Average total loans | $573,677,750 | 864 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2461% | 2,345 |
| Cost of funding earning assets | 0.5414% | 1,771 |
| Net interest margin | 3.7047% | 2,678 |
| Noninterest income to average assets | 0.3601% | 4,189 |
| Noninterest expense to average assets | 2.0627% | 5,137 |
| Loan and lease loss provision to assets | 0.2604% | 726 |
| Net operating income to assets | 0.9276% | 2,733 |
| Return on assets (ROA) | 0.9312% | 2,857 |
| Pretax return on assets | 1.3494% | 2,207 |
| Return on Equity (ROE) | 6.9338% | 3,587 |
| Retained earnings to average equity (ytd only) | 3.0558% | 3,970 |
| Net charge-offs to loans | 0.0186% | 3,131 |
| Credit loss provision to net charge-offs | 1,886.7925% | 217 |
| Earnings coverage of net charge-offs (x) | 116.2642% | 505 |
| Efficiency ratio | 55.9327% | 5,152 |
| Assets per employee ($millions) | 4.7781% | 2,594 |
| Cash dividends to net income (ytd only)* | 55.9284% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3236% | 2,654 |
| Loan loss allowance to noncurrent loans | 229.3258% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.5946% | 3,236 |
| Noncurrent loans to loans | 0.5772% | 3,333 |
| Net loans and leases to total assets | 74.4949% | 1,730 |
| Net loans and leases to deposits | 89.6130% | 1,792 |
| Net loans and leases to core deposits | 93.6253% | 2,200 |
| Total domestic deposits to total assets | 83.1295% | 3,602 |
| Equity capital to assets | 13.5684% | 1,197 |
| Core capital (leverage) ratio | 10.9367% | 2,503 |
| Tier 1 risk-based capital ratio | 12.4762% | 4,545 |
| Total risk-based capital ratio | 13.6426% | 4,512 |
| Memoranda: | ||
| Average total assets | $768,020,330 | 935 |
| Average earning assets | $685,621,330 | 972 |
| Average equity | $103,147,000 | 771 |
| Average total loans | $570,309,670 | 867 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2035% | 2,455 |
| Cost of funding earning assets | 0.5254% | 1,907 |
| Net interest margin | 3.6781% | 2,763 |
| Noninterest income to average assets | 0.3138% | 4,483 |
| Noninterest expense to average assets | 2.0485% | 5,223 |
| Loan and lease loss provision to assets | 0.2606% | 662 |
| Net operating income to assets | 0.9009% | 2,747 |
| Return on assets (ROA) | 0.9012% | 2,874 |
| Pretax return on assets | 1.2932% | 2,336 |
| Return on Equity (ROE) | 6.7453% | 3,594 |
| Retained earnings to average equity (ytd only) | 2.8440% | 4,091 |
| Net charge-offs to loans | 0.0403% | 2,194 |
| Credit loss provision to net charge-offs | 877.1930% | 411 |
| Earnings coverage of net charge-offs (x) | 52.2807% | 857 |
| Efficiency ratio | 56.5557% | 5,143 |
| Assets per employee ($millions) | 4.7942% | 2,600 |
| Cash dividends to net income (ytd only)* | 57.8369% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 3,091 |
| Loan loss allowance to noncurrent loans | 238.2421% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.5766% | 3,336 |
| Noncurrent loans to loans | 0.5304% | 3,595 |
| Net loans and leases to total assets | 73.6345% | 1,791 |
| Net loans and leases to deposits | 88.4666% | 1,772 |
| Net loans and leases to core deposits | 92.8828% | 2,100 |
| Total domestic deposits to total assets | 83.2342% | 3,812 |
| Equity capital to assets | 13.5350% | 1,170 |
| Core capital (leverage) ratio | 11.0560% | 2,353 |
| Tier 1 risk-based capital ratio | 12.1323% | 4,824 |
| Total risk-based capital ratio | 13.2034% | 4,857 |
| Memoranda: | ||
| Average total assets | $767,390,500 | 936 |
| Average earning assets | $686,001,500 | 964 |
| Average equity | $102,531,000 | 777 |
| Average total loans | $565,084,000 | 872 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9211% | 3,635 |
| Cost of funding earning assets | 0.5411% | 1,836 |
| Net interest margin | 3.3800% | 3,989 |
| Noninterest income to average assets | 0.4963% | 3,356 |
| Noninterest expense to average assets | 2.1381% | 5,176 |
| Loan and lease loss provision to assets | 0.0772% | 2,734 |
| Net operating income to assets | 0.9221% | 2,746 |
| Return on assets (ROA) | 0.9272% | 2,810 |
| Pretax return on assets | 1.3545% | 2,087 |
| Return on Equity (ROE) | 7.4379% | 3,282 |
| Retained earnings to average equity (ytd only) | 4.9598% | 2,452 |
| Net charge-offs to loans | 0.1504% | 1,865 |
| Credit loss provision to net charge-offs | 69.1563% | 3,138 |
| Earnings coverage of net charge-offs (x) | 12.7552% | 2,434 |
| Efficiency ratio | 59.6792% | 4,950 |
| Assets per employee ($millions) | 4.8893% | 2,485 |
| Cash dividends to net income (ytd only)* | 33.3167% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 3,485 |
| Loan loss allowance to noncurrent loans | 326.8671% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.4541% | 3,794 |
| Noncurrent loans to loans | 0.3671% | 4,132 |
| Net loans and leases to total assets | 71.8373% | 2,086 |
| Net loans and leases to deposits | 85.9255% | 2,144 |
| Net loans and leases to core deposits | 90.5098% | 2,365 |
| Total domestic deposits to total assets | 83.6042% | 3,632 |
| Equity capital to assets | 13.1893% | 1,263 |
| Core capital (leverage) ratio | 10.6702% | 2,745 |
| Tier 1 risk-based capital ratio | 12.1682% | 4,849 |
| Total risk-based capital ratio | 13.1849% | 4,899 |
| Memoranda: | ||
| Average total assets | $647,450,600 | 1,057 |
| Average earning assets | $587,337,400 | 1,063 |
| Average equity | $80,708,600 | 943 |
| Average total loans | $480,600,000 | 968 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0291% | 3,218 |
| Cost of funding earning assets | 0.5503% | 1,805 |
| Net interest margin | 3.4787% | 3,632 |
| Noninterest income to average assets | 0.2778% | 4,956 |
| Noninterest expense to average assets | 2.1424% | 5,189 |
| Loan and lease loss provision to assets | 0.0757% | 2,669 |
| Net operating income to assets | 0.8490% | 3,176 |
| Return on assets (ROA) | 0.8562% | 3,232 |
| Pretax return on assets | 1.2379% | 2,664 |
| Return on Equity (ROE) | 6.9959% | 3,618 |
| Retained earnings to average equity (ytd only) | 4.8743% | 3,004 |
| Net charge-offs to loans | 0.2056% | 1,259 |
| Credit loss provision to net charge-offs | 49.2958% | 3,044 |
| Earnings coverage of net charge-offs (x) | 8.4831% | 2,811 |
| Efficiency ratio | 61.8124% | 4,603 |
| Assets per employee ($millions) | 4.7865% | 2,581 |
| Cash dividends to net income (ytd only)* | 30.3260% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4166% | 2,523 |
| Loan loss allowance to noncurrent loans | 388.1834% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.5027% | 3,822 |
| Noncurrent loans to loans | 0.3649% | 4,305 |
| Net loans and leases to total assets | 72.1831% | 2,034 |
| Net loans and leases to deposits | 87.6043% | 1,957 |
| Net loans and leases to core deposits | 92.7187% | 2,196 |
| Total domestic deposits to total assets | 82.3968% | 4,026 |
| Equity capital to assets | 12.0934% | 2,036 |
| Core capital (leverage) ratio | 10.5130% | 3,032 |
| Tier 1 risk-based capital ratio | 11.9904% | 5,092 |
| Total risk-based capital ratio | 13.2028% | 5,030 |
| Memoranda: | ||
| Average total assets | $616,186,500 | 1,112 |
| Average earning assets | $561,107,250 | 1,118 |
| Average equity | $75,413,750 | 1,015 |
| Average total loans | $460,328,000 | 1,007 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0292% | 3,162 |
| Cost of funding earning assets | 0.5294% | 1,988 |
| Net interest margin | 3.4998% | 3,500 |
| Noninterest income to average assets | 0.2330% | 5,292 |
| Noninterest expense to average assets | 2.1507% | 5,223 |
| Loan and lease loss provision to assets | 0.0656% | 2,805 |
| Net operating income to assets | 0.8349% | 3,193 |
| Return on assets (ROA) | 0.8422% | 3,268 |
| Pretax return on assets | 1.2147% | 2,716 |
| Return on Equity (ROE) | 6.8528% | 3,699 |
| Retained earnings to average equity (ytd only) | 4.7163% | 3,043 |
| Net charge-offs to loans | 0.0131% | 3,463 |
| Credit loss provision to net charge-offs | 666.6667% | 501 |
| Earnings coverage of net charge-offs (x) | 128.9667% | 487 |
| Efficiency ratio | 62.5120% | 4,593 |
| Assets per employee ($millions) | 4.6493% | 2,748 |
| Cash dividends to net income (ytd only)* | 31.1769% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5335% | 2,145 |
| Loan loss allowance to noncurrent loans | 229.9484% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.7534% | 3,131 |
| Noncurrent loans to loans | 0.6669% | 3,480 |
| Net loans and leases to total assets | 72.9746% | 1,828 |
| Net loans and leases to deposits | 87.5559% | 1,885 |
| Net loans and leases to core deposits | 93.0459% | 2,059 |
| Total domestic deposits to total assets | 83.3463% | 3,815 |
| Equity capital to assets | 12.0599% | 1,975 |
| Core capital (leverage) ratio | 10.8263% | 2,586 |
| Tier 1 risk-based capital ratio | 11.8131% | 5,271 |
| Total risk-based capital ratio | 13.0638% | 5,174 |
| Memoranda: | ||
| Average total assets | $609,380,000 | 1,132 |
| Average earning assets | $555,003,000 | 1,133 |
| Average equity | $74,889,330 | 1,029 |
| Average total loans | $458,395,670 | 1,013 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0298% | 3,126 |
| Cost of funding earning assets | 0.5102% | 2,200 |
| Net interest margin | 3.5196% | 3,347 |
| Noninterest income to average assets | 0.3412% | 4,468 |
| Noninterest expense to average assets | 2.1465% | 5,282 |
| Loan and lease loss provision to assets | 0.0333% | 3,224 |
| Net operating income to assets | 0.9329% | 2,593 |
| Return on assets (ROA) | 0.9476% | 2,659 |
| Pretax return on assets | 1.3821% | 1,952 |
| Return on Equity (ROE) | 7.6362% | 3,144 |
| Retained earnings to average equity (ytd only) | 5.4882% | 2,787 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2673% | 5,060 |
| Assets per employee ($millions) | 4.5352% | 2,993 |
| Cash dividends to net income (ytd only)* | 28.1294% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5265% | 2,342 |
| Loan loss allowance to noncurrent loans | 212.5796% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.8507% | 2,952 |
| Noncurrent loans to loans | 0.7181% | 3,469 |
| Net loans and leases to total assets | 75.5693% | 1,271 |
| Net loans and leases to deposits | 92.6436% | 1,117 |
| Net loans and leases to core deposits | 97.7553% | 1,496 |
| Total domestic deposits to total assets | 81.5699% | 4,650 |
| Equity capital to assets | 12.5627% | 1,653 |
| Core capital (leverage) ratio | 10.9083% | 2,508 |
| Tier 1 risk-based capital ratio | 11.7549% | 5,406 |
| Total risk-based capital ratio | 13.0054% | 5,308 |
| Memoranda: | ||
| Average total assets | $600,244,500 | 1,153 |
| Average earning assets | $545,635,500 | 1,162 |
| Average equity | $74,487,000 | 1,032 |
| Average total loans | $455,014,000 | 1,020 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1972% | 2,965 |
| Cost of funding earning assets | 0.6016% | 1,748 |
| Net interest margin | 3.5956% | 3,428 |
| Noninterest income to average assets | 0.3171% | 4,850 |
| Noninterest expense to average assets | 2.1455% | 5,467 |
| Loan and lease loss provision to assets | 0.0752% | 2,979 |
| Net operating income to assets | 0.9186% | 2,785 |
| Return on assets (ROA) | 0.9233% | 2,856 |
| Pretax return on assets | 1.3780% | 1,966 |
| Return on Equity (ROE) | 7.6886% | 3,281 |
| Retained earnings to average equity (ytd only) | 4.9049% | 2,678 |
| Net charge-offs to loans | 0.0080% | 4,761 |
| Credit loss provision to net charge-offs | 1,285.7143% | 226 |
| Earnings coverage of net charge-offs (x) | 247.2000% | 220 |
| Efficiency ratio | 59.3773% | 5,299 |
| Assets per employee ($millions) | 4.5942% | 2,885 |
| Cash dividends to net income (ytd only)* | 36.2056% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5452% | 2,277 |
| Loan loss allowance to noncurrent loans | 209.4135% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.8974% | 2,965 |
| Noncurrent loans to loans | 0.7379% | 3,476 |
| Net loans and leases to total assets | 73.7168% | 1,635 |
| Net loans and leases to deposits | 89.3682% | 1,575 |
| Net loans and leases to core deposits | 94.2667% | 1,894 |
| Total domestic deposits to total assets | 82.4866% | 4,256 |
| Equity capital to assets | 12.2570% | 1,822 |
| Core capital (leverage) ratio | 10.5581% | 2,886 |
| Tier 1 risk-based capital ratio | 12.1485% | 5,263 |
| Total risk-based capital ratio | 13.3998% | 5,169 |
| Memoranda: | ||
| Average total assets | $598,263,200 | 1,109 |
| Average earning assets | $544,856,800 | 1,107 |
| Average equity | $71,846,400 | 1,021 |
| Average total loans | $436,962,600 | 1,010 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2370% | 2,855 |
| Cost of funding earning assets | 0.6139% | 1,730 |
| Net interest margin | 3.6231% | 3,337 |
| Noninterest income to average assets | 0.3022% | 5,028 |
| Noninterest expense to average assets | 2.0753% | 5,629 |
| Loan and lease loss provision to assets | 0.0502% | 3,368 |
| Net operating income to assets | 0.9568% | 2,655 |
| Return on assets (ROA) | 0.9568% | 2,731 |
| Pretax return on assets | 1.4805% | 1,711 |
| Return on Equity (ROE) | 8.0092% | 3,198 |
| Retained earnings to average equity (ytd only) | 5.3936% | 2,829 |
| Net charge-offs to loans | -0.0274% | 5,708 |
| Credit loss provision to net charge-offs | -252.8090% | 5,614 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1924% | 5,543 |
| Assets per employee ($millions) | 4.6803% | 2,696 |
| Cash dividends to net income (ytd only)* | 32.6569% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6054% | 2,289 |
| Loan loss allowance to noncurrent loans | 196.9575% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.9897% | 2,976 |
| Noncurrent loans to loans | 0.8151% | 3,537 |
| Net loans and leases to total assets | 70.7572% | 2,066 |
| Net loans and leases to deposits | 86.5211% | 1,854 |
| Net loans and leases to core deposits | 91.2214% | 2,092 |
| Total domestic deposits to total assets | 81.7803% | 4,551 |
| Equity capital to assets | 12.2598% | 1,855 |
| Core capital (leverage) ratio | 10.4940% | 3,050 |
| Tier 1 risk-based capital ratio | 12.6189% | 5,091 |
| Total risk-based capital ratio | 13.8708% | 5,010 |
| Memoranda: | ||
| Average total assets | $597,369,750 | 1,120 |
| Average earning assets | $544,708,500 | 1,113 |
| Average equity | $71,366,250 | 1,031 |
| Average total loans | $433,548,750 | 1,020 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3165% | 2,532 |
| Cost of funding earning assets | 0.6181% | 1,749 |
| Net interest margin | 3.6985% | 2,969 |
| Noninterest income to average assets | 0.2671% | 5,294 |
| Noninterest expense to average assets | 2.0466% | 5,734 |
| Loan and lease loss provision to assets | 0.0752% | 2,771 |
| Net operating income to assets | 0.9797% | 2,409 |
| Return on assets (ROA) | 0.9797% | 2,484 |
| Pretax return on assets | 1.5215% | 1,471 |
| Return on Equity (ROE) | 8.2721% | 2,944 |
| Retained earnings to average equity (ytd only) | 5.7321% | 2,491 |
| Net charge-offs to loans | -0.0326% | 5,715 |
| Credit loss provision to net charge-offs | -316.9014% | 5,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8257% | 5,762 |
| Assets per employee ($millions) | 4.4288% | 3,037 |
| Cash dividends to net income (ytd only)* | 30.7062% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5858% | 2,523 |
| Loan loss allowance to noncurrent loans | 189.1130% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 1.0161% | 3,036 |
| Noncurrent loans to loans | 0.8385% | 3,612 |
| Net loans and leases to total assets | 71.5704% | 1,817 |
| Net loans and leases to deposits | 86.9149% | 1,721 |
| Net loans and leases to core deposits | 91.1062% | 2,019 |
| Total domestic deposits to total assets | 82.3453% | 4,525 |
| Equity capital to assets | 12.1889% | 1,857 |
| Core capital (leverage) ratio | 10.3885% | 3,094 |
| Tier 1 risk-based capital ratio | 12.4183% | 5,285 |
| Total risk-based capital ratio | 13.6700% | 5,201 |
| Memoranda: | ||
| Average total assets | $598,360,000 | 1,113 |
| Average earning assets | $546,223,330 | 1,116 |
| Average equity | $70,864,330 | 1,027 |
| Average total loans | $435,584,330 | 1,012 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0551% | 3,449 |
| Cost of funding earning assets | 0.6201% | 1,814 |
| Net interest margin | 3.4350% | 3,959 |
| Noninterest income to average assets | 0.2690% | 5,214 |
| Noninterest expense to average assets | 2.0532% | 5,782 |
| Loan and lease loss provision to assets | 0.1498% | 1,620 |
| Net operating income to assets | 0.7843% | 3,230 |
| Return on assets (ROA) | 0.7843% | 3,311 |
| Pretax return on assets | 1.2157% | 2,413 |
| Return on Equity (ROE) | 6.7191% | 3,623 |
| Retained earnings to average equity (ytd only) | 4.1524% | 3,639 |
| Net charge-offs to loans | -0.0119% | 5,118 |
| Credit loss provision to net charge-offs | -1,730.7692% | 5,446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6884% | 5,442 |
| Assets per employee ($millions) | 4.7941% | 2,523 |
| Cash dividends to net income (ytd only)* | 38.2003% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5558% | 2,895 |
| Loan loss allowance to noncurrent loans | 221.7647% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 1.0997% | 3,056 |
| Noncurrent loans to loans | 0.7016% | 4,111 |
| Net loans and leases to total assets | 71.0839% | 1,714 |
| Net loans and leases to deposits | 87.5478% | 1,412 |
| Net loans and leases to core deposits | 91.6188% | 1,769 |
| Total domestic deposits to total assets | 81.1944% | 5,180 |
| Equity capital to assets | 11.6946% | 2,106 |
| Core capital (leverage) ratio | 10.1975% | 3,298 |
| Tier 1 risk-based capital ratio | 12.0718% | 5,598 |
| Total risk-based capital ratio | 13.3233% | 5,530 |
| Memoranda: | ||
| Average total assets | $600,811,000 | 1,121 |
| Average earning assets | $550,915,500 | 1,115 |
| Average equity | $70,128,500 | 1,040 |
| Average total loans | $437,584,500 | 1,012 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1763% | 3,428 |
| Cost of funding earning assets | 0.7532% | 1,479 |
| Net interest margin | 3.4230% | 4,192 |
| Noninterest income to average assets | 0.3393% | 4,893 |
| Noninterest expense to average assets | 2.0785% | 5,873 |
| Loan and lease loss provision to assets | 0.2025% | 1,838 |
| Net operating income to assets | 0.7888% | 3,348 |
| Return on assets (ROA) | 0.7888% | 3,452 |
| Pretax return on assets | 1.1899% | 2,620 |
| Return on Equity (ROE) | 6.7789% | 3,684 |
| Retained earnings to average equity (ytd only) | 3.2988% | 3,886 |
| Net charge-offs to loans | 0.0974% | 3,869 |
| Credit loss provision to net charge-offs | 284.3602% | 799 |
| Earnings coverage of net charge-offs (x) | 19.5545% | 1,599 |
| Efficiency ratio | 59.5090% | 5,540 |
| Assets per employee ($millions) | 4.7426% | 2,521 |
| Cash dividends to net income (ytd only)* | 51.3369% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4916% | 3,240 |
| Loan loss allowance to noncurrent loans | 242.0702% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 1.1691% | 3,059 |
| Noncurrent loans to loans | 0.6162% | 4,435 |
| Net loans and leases to total assets | 72.3683% | 1,622 |
| Net loans and leases to deposits | 88.8390% | 1,373 |
| Net loans and leases to core deposits | 93.1117% | 1,667 |
| Total domestic deposits to total assets | 81.4601% | 5,051 |
| Equity capital to assets | 11.6498% | 2,063 |
| Core capital (leverage) ratio | 9.9809% | 3,602 |
| Tier 1 risk-based capital ratio | 11.8040% | 5,739 |
| Total risk-based capital ratio | 13.0548% | 5,671 |
| Memoranda: | ||
| Average total assets | $592,638,800 | 1,121 |
| Average earning assets | $542,184,400 | 1,115 |
| Average equity | $68,963,800 | 1,037 |
| Average total loans | $433,442,400 | 982 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1909% | 3,425 |
| Cost of funding earning assets | 0.7747% | 1,457 |
| Net interest margin | 3.4161% | 4,223 |
| Noninterest income to average assets | 0.3431% | 4,948 |
| Noninterest expense to average assets | 2.0549% | 5,915 |
| Loan and lease loss provision to assets | 0.2029% | 1,788 |
| Net operating income to assets | 0.7827% | 3,441 |
| Return on assets (ROA) | 0.7827% | 3,567 |
| Pretax return on assets | 1.2097% | 2,655 |
| Return on Equity (ROE) | 6.7284% | 3,807 |
| Retained earnings to average equity (ytd only) | 3.2402% | 4,372 |
| Net charge-offs to loans | 0.0734% | 3,892 |
| Credit loss provision to net charge-offs | 378.1513% | 700 |
| Earnings coverage of net charge-offs (x) | 26.3274% | 1,353 |
| Efficiency ratio | 58.8843% | 5,572 |
| Assets per employee ($millions) | 4.7201% | 2,545 |
| Cash dividends to net income (ytd only)* | 51.8433% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4966% | 3,469 |
| Loan loss allowance to noncurrent loans | 178.0238% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 1.3599% | 2,922 |
| Noncurrent loans to loans | 0.8407% | 4,152 |
| Net loans and leases to total assets | 71.1803% | 1,750 |
| Net loans and leases to deposits | 86.9544% | 1,497 |
| Net loans and leases to core deposits | 91.1831% | 1,854 |
| Total domestic deposits to total assets | 81.8593% | 4,972 |
| Equity capital to assets | 11.6264% | 2,193 |
| Core capital (leverage) ratio | 10.0227% | 3,650 |
| Tier 1 risk-based capital ratio | 11.8111% | 5,894 |
| Total risk-based capital ratio | 13.0617% | 5,846 |
| Memoranda: | ||
| Average total assets | $591,407,500 | 1,135 |
| Average earning assets | $540,909,750 | 1,132 |
| Average equity | $68,801,000 | 1,048 |
| Average total loans | $432,054,250 | 988 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2091% | 3,331 |
| Cost of funding earning assets | 0.7909% | 1,464 |
| Net interest margin | 3.4181% | 4,123 |
| Noninterest income to average assets | 0.3541% | 4,856 |
| Noninterest expense to average assets | 2.0322% | 5,981 |
| Loan and lease loss provision to assets | 0.2033% | 1,867 |
| Net operating income to assets | 0.8074% | 3,249 |
| Return on assets (ROA) | 0.8074% | 3,402 |
| Pretax return on assets | 1.2492% | 2,488 |
| Return on Equity (ROE) | 6.9388% | 3,630 |
| Retained earnings to average equity (ytd only) | 3.4447% | 4,127 |
| Net charge-offs to loans | 0.1132% | 3,231 |
| Credit loss provision to net charge-offs | 244.8980% | 1,029 |
| Earnings coverage of net charge-offs (x) | 17.4980% | 1,604 |
| Efficiency ratio | 57.9485% | 5,738 |
| Assets per employee ($millions) | 4.4839% | 2,836 |
| Cash dividends to net income (ytd only)* | 50.3567% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4206% | 3,942 |
| Loan loss allowance to noncurrent loans | 159.3392% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 1.2780% | 3,208 |
| Noncurrent loans to loans | 0.8915% | 4,144 |
| Net loans and leases to total assets | 73.4835% | 1,326 |
| Net loans and leases to deposits | 89.1516% | 1,214 |
| Net loans and leases to core deposits | 93.0530% | 1,606 |
| Total domestic deposits to total assets | 82.4253% | 4,902 |
| Equity capital to assets | 11.8383% | 2,019 |
| Core capital (leverage) ratio | 10.0606% | 3,433 |
| Tier 1 risk-based capital ratio | 11.8970% | 5,849 |
| Total risk-based capital ratio | 13.1472% | 5,806 |
| Memoranda: | ||
| Average total assets | $590,298,330 | 1,139 |
| Average earning assets | $540,644,330 | 1,132 |
| Average equity | $68,686,000 | 1,052 |
| Average total loans | $432,817,000 | 981 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1837% | 3,365 |
| Cost of funding earning assets | 0.7994% | 1,531 |
| Net interest margin | 3.3843% | 4,176 |
| Noninterest income to average assets | 0.3623% | 4,765 |
| Noninterest expense to average assets | 1.9885% | 6,126 |
| Loan and lease loss provision to assets | 0.2013% | 1,846 |
| Net operating income to assets | 0.8191% | 3,051 |
| Return on assets (ROA) | 0.8191% | 3,193 |
| Pretax return on assets | 1.2713% | 2,333 |
| Return on Equity (ROE) | 7.0997% | 3,439 |
| Retained earnings to average equity (ytd only) | 3.6109% | 4,078 |
| Net charge-offs to loans | -0.0083% | 5,382 |
| Credit loss provision to net charge-offs | -3,333.3333% | 5,839 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0847% | 5,949 |
| Assets per employee ($millions) | 4.7992% | 2,488 |
| Cash dividends to net income (ytd only)* | 49.1400% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4066% | 4,197 |
| Loan loss allowance to noncurrent loans | 137.8458% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 1.3304% | 3,297 |
| Noncurrent loans to loans | 1.0204% | 4,094 |
| Net loans and leases to total assets | 71.5990% | 1,416 |
| Net loans and leases to deposits | 88.0552% | 1,144 |
| Net loans and leases to core deposits | 91.6992% | 1,530 |
| Total domestic deposits to total assets | 81.3115% | 5,416 |
| Equity capital to assets | 11.6070% | 2,326 |
| Core capital (leverage) ratio | 9.8235% | 3,632 |
| Tier 1 risk-based capital ratio | 11.8513% | 5,995 |
| Total risk-based capital ratio | 13.1015% | 5,971 |
| Memoranda: | ||
| Average total assets | $596,238,500 | 1,135 |
| Average earning assets | $545,934,500 | 1,132 |
| Average equity | $68,791,500 | 1,057 |
| Average total loans | $433,642,000 | 986 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4739% | 3,507 |
| Cost of funding earning assets | 0.9824% | 1,448 |
| Net interest margin | 3.4915% | 4,530 |
| Noninterest income to average assets | 0.4675% | 4,118 |
| Noninterest expense to average assets | 2.1059% | 6,113 |
| Loan and lease loss provision to assets | 0.2231% | 2,895 |
| Net operating income to assets | 0.8823% | 2,902 |
| Return on assets (ROA) | 0.8823% | 3,148 |
| Pretax return on assets | 1.3493% | 2,217 |
| Return on Equity (ROE) | 7.5577% | 3,308 |
| Retained earnings to average equity (ytd only) | 4.5598% | 3,013 |
| Net charge-offs to loans | 0.3744% | 2,759 |
| Credit loss provision to net charge-offs | 82.6312% | 3,741 |
| Earnings coverage of net charge-offs (x) | 5.8237% | 2,941 |
| Efficiency ratio | 56.8622% | 5,965 |
| Assets per employee ($millions) | 5.0200% | 2,202 |
| Cash dividends to net income (ytd only)* | 39.6668% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3261% | 4,510 |
| Loan loss allowance to noncurrent loans | 110.8549% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 1.4875% | 3,156 |
| Noncurrent loans to loans | 1.1962% | 3,857 |
| Net loans and leases to total assets | 71.8724% | 1,510 |
| Net loans and leases to deposits | 87.7607% | 1,304 |
| Net loans and leases to core deposits | 91.4758% | 1,678 |
| Total domestic deposits to total assets | 81.8959% | 5,136 |
| Equity capital to assets | 11.4685% | 2,480 |
| Core capital (leverage) ratio | 9.8169% | 3,641 |
| Tier 1 risk-based capital ratio | 11.7926% | 5,913 |
| Total risk-based capital ratio | 12.9979% | 5,900 |
| Memoranda: | ||
| Average total assets | $571,491,200 | 1,162 |
| Average earning assets | $525,539,400 | 1,147 |
| Average equity | $66,713,000 | 1,057 |
| Average total loans | $412,092,400 | 1,014 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5338% | 3,505 |
| Cost of funding earning assets | 1.0148% | 1,474 |
| Net interest margin | 3.5190% | 4,569 |
| Noninterest income to average assets | 0.4748% | 4,104 |
| Noninterest expense to average assets | 2.1054% | 6,147 |
| Loan and lease loss provision to assets | 0.2301% | 2,752 |
| Net operating income to assets | 0.8903% | 3,034 |
| Return on assets (ROA) | 0.8903% | 3,266 |
| Pretax return on assets | 1.3838% | 2,285 |
| Return on Equity (ROE) | 7.5917% | 3,485 |
| Retained earnings to average equity (ytd only) | 3.5675% | 4,365 |
| Net charge-offs to loans | 0.3957% | 2,509 |
| Credit loss provision to net charge-offs | 80.8458% | 3,594 |
| Earnings coverage of net charge-offs (x) | 5.6708% | 2,960 |
| Efficiency ratio | 56.2211% | 6,029 |
| Assets per employee ($millions) | 4.5369% | 2,851 |
| Cash dividends to net income (ytd only)* | 53.0082% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4112% | 4,330 |
| Loan loss allowance to noncurrent loans | 112.1692% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 1.4348% | 3,454 |
| Noncurrent loans to loans | 1.2581% | 3,949 |
| Net loans and leases to total assets | 71.5361% | 1,641 |
| Net loans and leases to deposits | 88.3723% | 1,308 |
| Net loans and leases to core deposits | 92.6237% | 1,714 |
| Total domestic deposits to total assets | 80.9486% | 5,375 |
| Equity capital to assets | 11.8736% | 2,375 |
| Core capital (leverage) ratio | 9.8908% | 3,698 |
| Tier 1 risk-based capital ratio | 12.2931% | 5,771 |
| Total risk-based capital ratio | 13.5437% | 5,741 |
| Memoranda: | ||
| Average total assets | $565,019,500 | 1,188 |
| Average earning assets | $520,929,500 | 1,176 |
| Average equity | $66,263,750 | 1,069 |
| Average total loans | $406,335,500 | 1,032 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6024% | 3,351 |
| Cost of funding earning assets | 1.0391% | 1,532 |
| Net interest margin | 3.5634% | 4,406 |
| Noninterest income to average assets | 0.4806% | 4,052 |
| Noninterest expense to average assets | 2.0843% | 6,256 |
| Loan and lease loss provision to assets | 0.2392% | 2,674 |
| Net operating income to assets | 0.9246% | 2,784 |
| Return on assets (ROA) | 0.9246% | 3,046 |
| Pretax return on assets | 1.4375% | 2,058 |
| Return on Equity (ROE) | 7.9173% | 3,294 |
| Retained earnings to average equity (ytd only) | 3.6688% | 4,153 |
| Net charge-offs to loans | 0.3129% | 2,779 |
| Credit loss provision to net charge-offs | 106.6351% | 2,553 |
| Earnings coverage of net charge-offs (x) | 7.4739% | 2,476 |
| Efficiency ratio | 55.0320% | 6,226 |
| Assets per employee ($millions) | 4.4564% | 2,985 |
| Cash dividends to net income (ytd only)* | 53.6604% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5163% | 3,940 |
| Loan loss allowance to noncurrent loans | 93.1230% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 1.3892% | 3,645 |
| Noncurrent loans to loans | 1.6283% | 3,465 |
| Net loans and leases to total assets | 69.7749% | 1,960 |
| Net loans and leases to deposits | 85.4054% | 1,670 |
| Net loans and leases to core deposits | 89.1057% | 2,084 |
| Total domestic deposits to total assets | 81.6984% | 5,235 |
| Equity capital to assets | 11.7705% | 2,348 |
| Core capital (leverage) ratio | 9.8779% | 3,610 |
| Tier 1 risk-based capital ratio | 12.9313% | 5,231 |
| Total risk-based capital ratio | 14.1836% | 5,207 |
| Memoranda: | ||
| Average total assets | $564,323,330 | 1,191 |
| Average earning assets | $519,508,000 | 1,178 |
| Average equity | $65,906,330 | 1,066 |
| Average total loans | $404,616,000 | 1,040 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6621% | 3,205 |
| Cost of funding earning assets | 1.0604% | 1,618 |
| Net interest margin | 3.6017% | 4,265 |
| Noninterest income to average assets | 0.4799% | 4,064 |
| Noninterest expense to average assets | 2.1033% | 6,268 |
| Loan and lease loss provision to assets | 0.2130% | 2,823 |
| Net operating income to assets | 0.9434% | 2,726 |
| Return on assets (ROA) | 0.9434% | 2,936 |
| Pretax return on assets | 1.4765% | 1,942 |
| Return on Equity (ROE) | 8.1097% | 3,238 |
| Retained earnings to average equity (ytd only) | 3.2280% | 4,632 |
| Net charge-offs to loans | 0.4783% | 1,893 |
| Credit loss provision to net charge-offs | 61.7284% | 3,079 |
| Earnings coverage of net charge-offs (x) | 4.8971% | 2,481 |
| Efficiency ratio | 55.0814% | 6,219 |
| Assets per employee ($millions) | 4.5722% | 2,862 |
| Cash dividends to net income (ytd only)* | 60.1956% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4273% | 4,484 |
| Loan loss allowance to noncurrent loans | 93.4376% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 1.3692% | 3,827 |
| Noncurrent loans to loans | 1.5275% | 3,826 |
| Net loans and leases to total assets | 71.2845% | 1,521 |
| Net loans and leases to deposits | 87.5928% | 1,221 |
| Net loans and leases to core deposits | 91.1320% | 1,732 |
| Total domestic deposits to total assets | 81.3817% | 5,503 |
| Equity capital to assets | 11.6081% | 2,345 |
| Core capital (leverage) ratio | 9.8110% | 3,627 |
| Tier 1 risk-based capital ratio | 12.6814% | 5,464 |
| Total risk-based capital ratio | 13.9331% | 5,426 |
| Memoranda: | ||
| Average total assets | $563,506,500 | 1,200 |
| Average earning assets | $518,311,000 | 1,179 |
| Average equity | $65,551,500 | 1,072 |
| Average total loans | $406,436,000 | 1,037 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0737% | 2,557 |
| Cost of funding earning assets | 1.2713% | 1,611 |
| Net interest margin | 3.8023% | 3,805 |
| Noninterest income to average assets | 0.3500% | 5,005 |
| Noninterest expense to average assets | 2.2574% | 6,147 |
| Loan and lease loss provision to assets | 0.2736% | 3,482 |
| Net operating income to assets | 0.8594% | 2,772 |
| Return on assets (ROA) | 0.8594% | 2,925 |
| Pretax return on assets | 1.3188% | 2,058 |
| Return on Equity (ROE) | 7.6642% | 3,070 |
| Retained earnings to average equity (ytd only) | 3.7290% | 3,557 |
| Net charge-offs to loans | 0.3068% | 3,865 |
| Credit loss provision to net charge-offs | 119.4145% | 2,671 |
| Earnings coverage of net charge-offs (x) | 6.9507% | 2,420 |
| Efficiency ratio | 58.2386% | 6,020 |
| Assets per employee ($millions) | 4.4099% | 3,050 |
| Cash dividends to net income (ytd only)* | 51.3452% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4988% | 4,036 |
| Loan loss allowance to noncurrent loans | 91.4710% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 1.4859% | 3,722 |
| Noncurrent loans to loans | 1.6385% | 3,708 |
| Net loans and leases to total assets | 70.8554% | 1,855 |
| Net loans and leases to deposits | 87.6436% | 1,431 |
| Net loans and leases to core deposits | 90.9093% | 2,001 |
| Total domestic deposits to total assets | 80.8449% | 5,496 |
| Equity capital to assets | 11.6578% | 2,376 |
| Core capital (leverage) ratio | 9.6276% | 3,826 |
| Tier 1 risk-based capital ratio | 12.8750% | 5,175 |
| Total risk-based capital ratio | 14.1274% | 5,146 |
| Memoranda: | ||
| Average total assets | $566,590,400 | 1,168 |
| Average earning assets | $521,498,200 | 1,144 |
| Average equity | $63,528,800 | 1,064 |
| Average total loans | $423,126,800 | 992 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1132% | 2,541 |
| Cost of funding earning assets | 1.3105% | 1,649 |
| Net interest margin | 3.8027% | 3,869 |
| Noninterest income to average assets | 0.3147% | 5,350 |
| Noninterest expense to average assets | 2.2685% | 6,126 |
| Loan and lease loss provision to assets | 0.2053% | 3,969 |
| Net operating income to assets | 0.8672% | 2,872 |
| Return on assets (ROA) | 0.8672% | 3,018 |
| Pretax return on assets | 1.3405% | 2,149 |
| Return on Equity (ROE) | 7.8111% | 3,129 |
| Retained earnings to average equity (ytd only) | 2.5276% | 4,853 |
| Net charge-offs to loans | 0.1255% | 4,785 |
| Credit loss provision to net charge-offs | 217.1216% | 1,316 |
| Earnings coverage of net charge-offs (x) | 16.3474% | 1,404 |
| Efficiency ratio | 59.0736% | 5,857 |
| Assets per employee ($millions) | 4.4984% | 2,919 |
| Cash dividends to net income (ytd only)* | 67.6406% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4866% | 4,171 |
| Loan loss allowance to noncurrent loans | 101.5579% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 1.5209% | 3,825 |
| Noncurrent loans to loans | 1.4638% | 4,104 |
| Net loans and leases to total assets | 74.9509% | 1,151 |
| Net loans and leases to deposits | 92.6649% | 951 |
| Net loans and leases to core deposits | 96.1428% | 1,594 |
| Total domestic deposits to total assets | 80.8838% | 5,473 |
| Equity capital to assets | 11.5882% | 2,601 |
| Core capital (leverage) ratio | 9.5688% | 4,041 |
| Tier 1 risk-based capital ratio | 12.2105% | 5,735 |
| Total risk-based capital ratio | 13.4632% | 5,719 |
| Memoranda: | ||
| Average total assets | $568,224,250 | 1,171 |
| Average earning assets | $522,949,500 | 1,149 |
| Average equity | $63,088,500 | 1,075 |
| Average total loans | $428,191,750 | 987 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2368% | 2,113 |
| Cost of funding earning assets | 1.4067% | 1,390 |
| Net interest margin | 3.8301% | 3,646 |
| Noninterest income to average assets | 0.3416% | 5,148 |
| Noninterest expense to average assets | 2.2418% | 6,268 |
| Loan and lease loss provision to assets | 0.2683% | 3,252 |
| Net operating income to assets | 0.8634% | 2,805 |
| Return on assets (ROA) | 0.8634% | 2,894 |
| Pretax return on assets | 1.3351% | 2,016 |
| Return on Equity (ROE) | 7.4788% | 3,200 |
| Retained earnings to average equity (ytd only) | -0.2672% | 5,898 |
| Net charge-offs to loans | 0.1807% | 4,080 |
| Credit loss provision to net charge-offs | 196.0784% | 1,543 |
| Earnings coverage of net charge-offs (x) | 11.7190% | 1,684 |
| Efficiency ratio | 57.8023% | 6,188 |
| Assets per employee ($millions) | 4.2893% | 3,182 |
| Cash dividends to net income (ytd only)* | 103.5733% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4137% | 4,499 |
| Loan loss allowance to noncurrent loans | 97.7778% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 1.7870% | 3,524 |
| Noncurrent loans to loans | 1.4459% | 4,249 |
| Net loans and leases to total assets | 72.9230% | 1,607 |
| Net loans and leases to deposits | 89.2891% | 1,344 |
| Net loans and leases to core deposits | 90.9766% | 2,261 |
| Total domestic deposits to total assets | 81.6707% | 5,283 |
| Equity capital to assets | 11.7695% | 2,270 |
| Core capital (leverage) ratio | 9.2999% | 4,254 |
| Tier 1 risk-based capital ratio | 11.6658% | 6,037 |
| Total risk-based capital ratio | 12.9171% | 6,035 |
| Memoranda: | ||
| Average total assets | $447,314,670 | 1,488 |
| Average earning assets | $409,181,330 | 1,482 |
| Average equity | $51,639,000 | 1,304 |
| Average total loans | $338,648,670 | 1,278 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2700% | 1,980 |
| Cost of funding earning assets | 1.4365% | 1,447 |
| Net interest margin | 3.8335% | 3,455 |
| Noninterest income to average assets | 0.3910% | 4,776 |
| Noninterest expense to average assets | 2.2227% | 6,372 |
| Loan and lease loss provision to assets | 0.2666% | 3,011 |
| Net operating income to assets | 0.9154% | 2,492 |
| Return on assets (ROA) | 0.9154% | 2,548 |
| Pretax return on assets | 1.4095% | 1,702 |
| Return on Equity (ROE) | 8.0062% | 2,912 |
| Retained earnings to average equity (ytd only) | -7.5398% | 6,714 |
| Net charge-offs to loans | 0.3680% | 2,595 |
| Credit loss provision to net charge-offs | 94.6372% | 2,855 |
| Earnings coverage of net charge-offs (x) | 5.9495% | 2,178 |
| Efficiency ratio | 56.5079% | 6,443 |
| Assets per employee ($millions) | 4.5604% | 2,795 |
| Cash dividends to net income (ytd only)* | 194.1748% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2721% | 5,283 |
| Loan loss allowance to noncurrent loans | 69.2209% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 2.0279% | 3,285 |
| Noncurrent loans to loans | 1.8377% | 3,782 |
| Net loans and leases to total assets | 74.8313% | 1,216 |
| Net loans and leases to deposits | 91.4176% | 1,072 |
| Net loans and leases to core deposits | 94.4651% | 1,834 |
| Total domestic deposits to total assets | 81.8565% | 5,365 |
| Equity capital to assets | 11.4068% | 2,341 |
| Core capital (leverage) ratio | 8.9755% | 4,652 |
| Tier 1 risk-based capital ratio | 11.0554% | 6,469 |
| Total risk-based capital ratio | 12.2720% | 6,478 |
| Memoranda: | ||
| Average total assets | $450,074,000 | 1,491 |
| Average earning assets | $411,841,500 | 1,485 |
| Average equity | $51,460,000 | 1,296 |
| Average total loans | $344,577,500 | 1,268 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7946% | 1,288 |
| Cost of funding earning assets | 1.8135% | 1,118 |
| Net interest margin | 3.9811% | 3,101 |
| Noninterest income to average assets | 0.3061% | 5,604 |
| Noninterest expense to average assets | 2.2624% | 6,453 |
| Loan and lease loss provision to assets | 0.7526% | 2,179 |
| Net operating income to assets | 0.6107% | 3,625 |
| Return on assets (ROA) | 0.6107% | 3,790 |
| Pretax return on assets | 0.9263% | 3,169 |
| Return on Equity (ROE) | 5.4376% | 3,874 |
| Retained earnings to average equity (ytd only) | 4.2551% | 2,867 |
| Net charge-offs to loans | 1.0452% | 2,111 |
| Credit loss provision to net charge-offs | 88.6571% | 5,182 |
| Earnings coverage of net charge-offs (x) | 1.9778% | 4,248 |
| Efficiency ratio | 56.8853% | 6,474 |
| Assets per employee ($millions) | 4.6248% | 2,658 |
| Cash dividends to net income (ytd only)* | 21.7470% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 5,345 |
| Loan loss allowance to noncurrent loans | 120.5014% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 1.3931% | 4,254 |
| Noncurrent loans to loans | 1.0245% | 5,019 |
| Net loans and leases to total assets | 76.3598% | 1,209 |
| Net loans and leases to deposits | 93.3974% | 1,112 |
| Net loans and leases to core deposits | 96.4676% | 1,944 |
| Total domestic deposits to total assets | 81.7579% | 5,261 |
| Equity capital to assets | 11.4601% | 2,295 |
| Core capital (leverage) ratio | 9.0387% | 4,473 |
| Tier 1 risk-based capital ratio | 11.1077% | 6,242 |
| Total risk-based capital ratio | 12.3058% | 6,261 |
| Memoranda: | ||
| Average total assets | $451,784,600 | 1,473 |
| Average earning assets | $412,524,400 | 1,474 |
| Average equity | $50,739,400 | 1,310 |
| Average total loans | $366,906,400 | 1,231 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8801% | 1,184 |
| Cost of funding earning assets | 1.8759% | 1,109 |
| Net interest margin | 4.0042% | 3,089 |
| Noninterest income to average assets | 0.3075% | 5,694 |
| Noninterest expense to average assets | 2.3162% | 6,271 |
| Loan and lease loss provision to assets | 0.9156% | 1,651 |
| Net operating income to assets | 0.4894% | 4,362 |
| Return on assets (ROA) | 0.4894% | 4,561 |
| Pretax return on assets | 0.7286% | 4,150 |
| Return on Equity (ROE) | 4.3801% | 4,603 |
| Retained earnings to average equity (ytd only) | 4.3801% | 3,414 |
| Net charge-offs to loans | 1.2610% | 1,614 |
| Credit loss provision to net charge-offs | 88.3443% | 4,834 |
| Earnings coverage of net charge-offs (x) | 1.5865% | 4,527 |
| Efficiency ratio | 57.9685% | 6,278 |
| Assets per employee ($millions) | 4.4487% | 2,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 5,491 |
| Loan loss allowance to noncurrent loans | 121.2594% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 1.6273% | 4,003 |
| Noncurrent loans to loans | 0.9899% | 5,255 |
| Net loans and leases to total assets | 81.3334% | 578 |
| Net loans and leases to deposits | 100.7722% | 604 |
| Net loans and leases to core deposits | 103.2210% | 1,552 |
| Total domestic deposits to total assets | 80.7101% | 5,474 |
| Equity capital to assets | 11.7015% | 2,358 |
| Core capital (leverage) ratio | 9.0318% | 4,640 |
| Tier 1 risk-based capital ratio | 10.7435% | 6,597 |
| Total risk-based capital ratio | 11.9248% | 6,643 |
| Memoranda: | ||
| Average total assets | $451,422,750 | 1,495 |
| Average earning assets | $411,819,000 | 1,501 |
| Average equity | $50,439,000 | 1,330 |
| Average total loans | $371,029,750 | 1,228 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8469% | 1,308 |
| Cost of funding earning assets | 1.9186% | 1,169 |
| Net interest margin | 3.9282% | 3,325 |
| Noninterest income to average assets | 0.3120% | 5,672 |
| Noninterest expense to average assets | 2.3762% | 6,129 |
| Loan and lease loss provision to assets | 1.1426% | 1,260 |
| Net operating income to assets | 0.2672% | 5,303 |
| Return on assets (ROA) | 0.2672% | 5,456 |
| Pretax return on assets | 0.3797% | 5,280 |
| Return on Equity (ROE) | 2.4284% | 5,493 |
| Retained earnings to average equity (ytd only) | 2.4284% | 4,613 |
| Net charge-offs to loans | 1.4471% | 1,318 |
| Credit loss provision to net charge-offs | 96.1183% | 4,231 |
| Earnings coverage of net charge-offs (x) | 1.2806% | 4,544 |
| Efficiency ratio | 60.4329% | 5,972 |
| Assets per employee ($millions) | 4.4200% | 3,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2623% | 5,121 |
| Loan loss allowance to noncurrent loans | 142.4289% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 1.5136% | 4,185 |
| Noncurrent loans to loans | 0.8863% | 5,494 |
| Net loans and leases to total assets | 79.9963% | 803 |
| Net loans and leases to deposits | 98.4186% | 835 |
| Net loans and leases to core deposits | 101.5772% | 1,862 |
| Total domestic deposits to total assets | 81.2817% | 5,298 |
| Equity capital to assets | 11.0881% | 2,778 |
| Core capital (leverage) ratio | 8.6239% | 5,199 |
| Tier 1 risk-based capital ratio | 10.2892% | 6,844 |
| Total risk-based capital ratio | 11.5333% | 6,830 |
| Memoranda: | ||
| Average total assets | $455,089,330 | 1,500 |
| Average earning assets | $415,505,000 | 1,490 |
| Average equity | $50,073,330 | 1,335 |
| Average total loans | $373,852,000 | 1,228 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8429% | 1,339 |
| Cost of funding earning assets | 1.9647% | 1,197 |
| Net interest margin | 3.8782% | 3,416 |
| Noninterest income to average assets | 0.2239% | 6,362 |
| Noninterest expense to average assets | 2.3420% | 6,278 |
| Loan and lease loss provision to assets | 1.1944% | 1,020 |
| Net operating income to assets | 0.1692% | 5,792 |
| Return on assets (ROA) | 0.1692% | 5,915 |
| Pretax return on assets | 0.2359% | 5,777 |
| Return on Equity (ROE) | 1.5192% | 5,953 |
| Retained earnings to average equity (ytd only) | 1.5192% | 5,184 |
| Net charge-offs to loans | 1.2583% | 1,354 |
| Credit loss provision to net charge-offs | 113.7441% | 3,051 |
| Earnings coverage of net charge-offs (x) | 1.3621% | 3,931 |
| Efficiency ratio | 61.4776% | 5,913 |
| Assets per employee ($millions) | 4.4477% | 3,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3100% | 4,877 |
| Loan loss allowance to noncurrent loans | 132.1439% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 1.4527% | 4,325 |
| Noncurrent loans to loans | 0.9913% | 5,341 |
| Net loans and leases to total assets | 82.2444% | 562 |
| Net loans and leases to deposits | 103.0362% | 587 |
| Net loans and leases to core deposits | 107.5416% | 1,456 |
| Total domestic deposits to total assets | 79.8209% | 5,846 |
| Equity capital to assets | 11.2021% | 2,591 |
| Core capital (leverage) ratio | 8.6538% | 5,104 |
| Tier 1 risk-based capital ratio | 10.1186% | 6,954 |
| Total risk-based capital ratio | 11.3694% | 6,939 |
| Memoranda: | ||
| Average total assets | $401,884,500 | 1,720 |
| Average earning assets | $367,696,000 | 1,713 |
| Average equity | $44,759,500 | 1,503 |
| Average total loans | $335,363,000 | 1,397 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0542% | 1,659 |
| Cost of funding earning assets | 2.3334% | 1,516 |
| Net interest margin | 3.7208% | 4,039 |
| Noninterest income to average assets | 0.3092% | 5,870 |
| Noninterest expense to average assets | 2.3731% | 6,540 |
| Loan and lease loss provision to assets | 0.9451% | 2,386 |
| Net operating income to assets | 0.2738% | 4,631 |
| Return on assets (ROA) | 0.2773% | 4,710 |
| Pretax return on assets | 0.3994% | 4,502 |
| Return on Equity (ROE) | 2.4457% | 4,734 |
| Retained earnings to average equity (ytd only) | 0.4226% | 4,674 |
| Net charge-offs to loans | 0.6461% | 3,254 |
| Credit loss provision to net charge-offs | 172.8671% | 2,454 |
| Earnings coverage of net charge-offs (x) | 2.4499% | 3,900 |
| Efficiency ratio | 63.2226% | 5,926 |
| Assets per employee ($millions) | 4.4831% | 2,959 |
| Cash dividends to net income (ytd only)* | 82.7206% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2532% | 5,030 |
| Loan loss allowance to noncurrent loans | 52.1283% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 2.1344% | 3,225 |
| Noncurrent loans to loans | 2.4040% | 3,158 |
| Net loans and leases to total assets | 82.5111% | 611 |
| Net loans and leases to deposits | 103.4334% | 674 |
| Net loans and leases to core deposits | 125.3582% | 1,562 |
| Total domestic deposits to total assets | 79.7722% | 5,744 |
| Equity capital to assets | 11.0732% | 2,650 |
| Core capital (leverage) ratio | 8.6124% | 5,074 |
| Tier 1 risk-based capital ratio | 9.9345% | 6,932 |
| Total risk-based capital ratio | 11.1823% | 6,910 |
| Memoranda: | ||
| Average total assets | $392,355,600 | 1,753 |
| Average earning assets | $358,872,600 | 1,747 |
| Average equity | $44,486,400 | 1,505 |
| Average total loans | $331,983,800 | 1,455 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1642% | 1,462 |
| Cost of funding earning assets | 2.4062% | 1,616 |
| Net interest margin | 3.7580% | 3,827 |
| Noninterest income to average assets | 0.3166% | 5,947 |
| Noninterest expense to average assets | 2.4306% | 6,310 |
| Loan and lease loss provision to assets | 0.7899% | 2,393 |
| Net operating income to assets | 0.3576% | 4,561 |
| Return on assets (ROA) | 0.3576% | 4,660 |
| Pretax return on assets | 0.5336% | 4,416 |
| Return on Equity (ROE) | 3.1353% | 4,733 |
| Retained earnings to average equity (ytd only) | 0.4351% | 5,019 |
| Net charge-offs to loans | 0.5338% | 3,082 |
| Credit loss provision to net charge-offs | 174.3202% | 2,656 |
| Earnings coverage of net charge-offs (x) | 2.9207% | 3,770 |
| Efficiency ratio | 64.0350% | 5,747 |
| Assets per employee ($millions) | 4.3599% | 3,106 |
| Cash dividends to net income (ytd only)* | 86.1243% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0956% | 5,755 |
| Loan loss allowance to noncurrent loans | 68.8574% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 1.7062% | 3,819 |
| Noncurrent loans to loans | 1.5911% | 4,250 |
| Net loans and leases to total assets | 83.8799% | 557 |
| Net loans and leases to deposits | 105.8251% | 659 |
| Net loans and leases to core deposits | 127.4626% | 1,622 |
| Total domestic deposits to total assets | 79.2628% | 5,706 |
| Equity capital to assets | 11.3862% | 2,679 |
| Core capital (leverage) ratio | 8.7324% | 5,077 |
| Tier 1 risk-based capital ratio | 10.1127% | 6,867 |
| Total risk-based capital ratio | 11.2110% | 6,972 |
| Memoranda: | ||
| Average total assets | $389,574,750 | 1,776 |
| Average earning assets | $356,348,000 | 1,770 |
| Average equity | $44,438,500 | 1,528 |
| Average total loans | $330,694,750 | 1,476 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3188% | 1,157 |
| Cost of funding earning assets | 2.4801% | 1,682 |
| Net interest margin | 3.8387% | 3,374 |
| Noninterest income to average assets | 0.3285% | 5,886 |
| Noninterest expense to average assets | 2.2240% | 6,996 |
| Loan and lease loss provision to assets | 0.0360% | 6,883 |
| Net operating income to assets | 1.0463% | 1,950 |
| Return on assets (ROA) | 1.0463% | 2,023 |
| Pretax return on assets | 1.6203% | 1,170 |
| Return on Equity (ROE) | 9.3401% | 2,239 |
| Retained earnings to average equity (ytd only) | 6.0201% | 2,016 |
| Net charge-offs to loans | 0.0071% | 6,492 |
| Credit loss provision to net charge-offs | 580.0000% | 802 |
| Earnings coverage of net charge-offs (x) | 267.2000% | 150 |
| Efficiency ratio | 56.5335% | 7,051 |
| Assets per employee ($millions) | 4.6514% | 2,525 |
| Cash dividends to net income (ytd only)* | 35.5450% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8354% | 7,038 |
| Loan loss allowance to noncurrent loans | 58.5953% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 1.4713% | 4,030 |
| Noncurrent loans to loans | 1.4257% | 4,362 |
| Net loans and leases to total assets | 85.7630% | 398 |
| Net loans and leases to deposits | 109.0382% | 601 |
| Net loans and leases to core deposits | 132.4924% | 1,402 |
| Total domestic deposits to total assets | 78.6541% | 5,913 |
| Equity capital to assets | 11.1057% | 2,830 |
| Core capital (leverage) ratio | 8.6806% | 5,124 |
| Tier 1 risk-based capital ratio | 10.0705% | 6,855 |
| Total risk-based capital ratio | 10.9315% | 7,188 |
| Memoranda: | ||
| Average total assets | $322,659,330 | 2,134 |
| Average earning assets | $298,536,670 | 2,122 |
| Average equity | $36,145,330 | 1,887 |
| Average total loans | $281,660,000 | 1,757 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3331% | 1,210 |
| Cost of funding earning assets | 2.4928% | 1,942 |
| Net interest margin | 3.8403% | 3,296 |
| Noninterest income to average assets | 0.3249% | 5,854 |
| Noninterest expense to average assets | 2.1677% | 6,960 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0976% | 1,970 |
| Return on assets (ROA) | 1.0976% | 2,099 |
| Pretax return on assets | 1.7073% | 1,164 |
| Return on Equity (ROE) | 9.7547% | 2,426 |
| Retained earnings to average equity (ytd only) | 6.4103% | 2,456 |
| Net charge-offs to loans | 0.0229% | 5,236 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 85.0625% | 497 |
| Efficiency ratio | 55.1635% | 7,083 |
| Assets per employee ($millions) | 4.5341% | 2,664 |
| Cash dividends to net income (ytd only)* | 34.2857% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8218% | 7,079 |
| Loan loss allowance to noncurrent loans | 161.2500% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.6983% | 5,413 |
| Noncurrent loans to loans | 0.5096% | 6,152 |
| Net loans and leases to total assets | 87.0485% | 334 |
| Net loans and leases to deposits | 111.0288% | 566 |
| Net loans and leases to core deposits | 133.2721% | 1,462 |
| Total domestic deposits to total assets | 78.4017% | 5,886 |
| Equity capital to assets | 11.2322% | 2,782 |
| Core capital (leverage) ratio | 8.8408% | 4,922 |
| Tier 1 risk-based capital ratio | 10.0991% | 6,809 |
| Total risk-based capital ratio | 10.9559% | 7,160 |
| Memoranda: | ||
| Average total assets | $318,866,000 | 2,169 |
| Average earning assets | $294,767,500 | 2,154 |
| Average equity | $35,880,000 | 1,910 |
| Average total loans | $279,682,500 | 1,781 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6883% | 2,070 |
| Cost of funding earning assets | 2.8146% | 2,649 |
| Net interest margin | 3.8737% | 3,688 |
| Noninterest income to average assets | 0.3211% | 6,158 |
| Noninterest expense to average assets | 2.1460% | 7,125 |
| Loan and lease loss provision to assets | 0.3137% | 3,865 |
| Net operating income to assets | 0.9240% | 2,900 |
| Return on assets (ROA) | 0.9240% | 2,752 |
| Pretax return on assets | 1.4199% | 1,908 |
| Return on Equity (ROE) | 8.0690% | 3,044 |
| Retained earnings to average equity (ytd only) | 2.3937% | 3,711 |
| Net charge-offs to loans | 0.2193% | 4,036 |
| Credit loss provision to net charge-offs | 165.5348% | 3,108 |
| Earnings coverage of net charge-offs (x) | 9.1477% | 2,748 |
| Efficiency ratio | 54.4120% | 7,229 |
| Assets per employee ($millions) | 4.4480% | 2,702 |
| Cash dividends to net income (ytd only)* | 70.3343% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8446% | 6,923 |
| Loan loss allowance to noncurrent loans | 144.6782% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.7514% | 4,967 |
| Noncurrent loans to loans | 0.5838% | 5,622 |
| Net loans and leases to total assets | 86.9120% | 479 |
| Net loans and leases to deposits | 110.7393% | 787 |
| Net loans and leases to core deposits | 130.9424% | 1,786 |
| Total domestic deposits to total assets | 78.4834% | 5,556 |
| Equity capital to assets | 11.2730% | 2,828 |
| Core capital (leverage) ratio | 8.7583% | 5,102 |
| Tier 1 risk-based capital ratio | 10.1793% | 6,539 |
| Total risk-based capital ratio | 11.0683% | 6,826 |
| Memoranda: | ||
| Average total assets | $310,807,400 | 2,148 |
| Average earning assets | $285,514,600 | 2,134 |
| Average equity | $35,592,800 | 1,895 |
| Average total loans | $268,577,000 | 1,781 |