Home > First American Bank > Performance and Condition Ratios
First American Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5651% | 1,083 |
| Cost of funding earning assets | 0.8392% | 3,633 |
| Net interest margin | 4.7259% | 463 |
| Noninterest income to average assets | 0.7800% | 987 |
| Noninterest expense to average assets | 2.2211% | 3,072 |
| Loan and lease loss provision to assets | 0.5300% | 165 |
| Net operating income to assets | 2.4247% | 262 |
| Return on assets (ROA) | 2.4247% | 254 |
| Pretax return on assets | 2.4247% | 366 |
| Return on Equity (ROE) | 36.6400% | 108 |
| Retained earnings to average equity (ytd only) | 18.6359% | 165 |
| Net charge-offs to loans | 0.7659% | 134 |
| Credit loss provision to net charge-offs | 126.9263% | 1,621 |
| Earnings coverage of net charge-offs (x) | 7.4080% | 2,408 |
| Efficiency ratio | 39.4039% | 4,374 |
| Assets per employee ($millions) | 7.1997% | 1,935 |
| Cash dividends to net income (ytd only)* | 49.1345% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7723% | 566 |
| Loan loss allowance to noncurrent loans | 150.4129% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.7638% | 676 |
| Noncurrent loans to loans | 1.1783% | 610 |
| Net loans and leases to total assets | 51.9600% | 3,479 |
| Net loans and leases to deposits | 61.5547% | 3,435 |
| Net loans and leases to core deposits | 72.9642% | 3,127 |
| Total domestic deposits to total assets | 84.4100% | 2,499 |
| Equity capital to assets | 7.6329% | 3,638 |
| Core capital (leverage) ratio | 10.5693% | 2,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9828% | 919 |
| Memoranda: | ||
| Average total assets | $1,777,259,000 | 631 |
| Average earning assets | $1,653,198,200 | 622 |
| Average equity | $117,622,600 | 840 |
| Average total loans | $925,197,800 | 775 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5131% | 1,001 |
| Cost of funding earning assets | 0.7878% | 3,560 |
| Net interest margin | 4.7253% | 446 |
| Noninterest income to average assets | 0.8100% | 922 |
| Noninterest expense to average assets | 2.4986% | 2,232 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 2.5073% | 267 |
| Return on assets (ROA) | 2.5073% | 263 |
| Pretax return on assets | 2.5073% | 377 |
| Return on Equity (ROE) | 39.4300% | 116 |
| Retained earnings to average equity (ytd only) | 14.3431% | 634 |
| Net charge-offs to loans | 0.0262% | 1,548 |
| Credit loss provision to net charge-offs | 1,235.0000% | 350 |
| Earnings coverage of net charge-offs (x) | 199.5000% | 602 |
| Efficiency ratio | 44.3960% | 4,210 |
| Assets per employee ($millions) | 7.1031% | 1,876 |
| Cash dividends to net income (ytd only)* | 63.6219% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8024% | 565 |
| Loan loss allowance to noncurrent loans | 479.9325% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.2322% | 2,097 |
| Noncurrent loans to loans | 0.3755% | 1,889 |
| Net loans and leases to total assets | 52.3900% | 3,468 |
| Net loans and leases to deposits | 63.2039% | 3,314 |
| Net loans and leases to core deposits | 70.4634% | 3,187 |
| Total domestic deposits to total assets | 82.8900% | 3,036 |
| Equity capital to assets | 6.2620% | 3,905 |
| Core capital (leverage) ratio | 9.9833% | 2,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4414% | 1,029 |
| Memoranda: | ||
| Average total assets | $1,769,789,500 | 632 |
| Average earning assets | $1,645,234,500 | 624 |
| Average equity | $112,544,000 | 865 |
| Average total loans | $917,522,000 | 784 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3516% | 1,013 |
| Cost of funding earning assets | 0.6605% | 3,600 |
| Net interest margin | 4.6911% | 464 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.2858% | 2,856 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 2.5106% | 245 |
| Return on assets (ROA) | 2.5106% | 240 |
| Pretax return on assets | 2.5106% | 354 |
| Return on Equity (ROE) | 39.2800% | 109 |
| Retained earnings to average equity (ytd only) | 5.3402% | 2,848 |
| Net charge-offs to loans | -0.0071% | 3,810 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 41.7834% | 4,347 |
| Assets per employee ($millions) | 7.4019% | 1,660 |
| Cash dividends to net income (ytd only)* | 86.4044% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7374% | 691 |
| Loan loss allowance to noncurrent loans | 414.6623% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.2529% | 1,934 |
| Noncurrent loans to loans | 0.4190% | 1,675 |
| Net loans and leases to total assets | 51.9300% | 3,416 |
| Net loans and leases to deposits | 63.6841% | 3,214 |
| Net loans and leases to core deposits | 66.9060% | 3,296 |
| Total domestic deposits to total assets | 81.5500% | 3,320 |
| Equity capital to assets | 6.2687% | 4,078 |
| Core capital (leverage) ratio | 9.4423% | 3,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5950% | 1,191 |
| Memoranda: | ||
| Average total assets | $1,767,797,000 | 623 |
| Average earning assets | $1,643,204,333 | 613 |
| Average equity | $112,992,333 | 856 |
| Average total loans | $907,559,000 | 778 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1608% | 1,002 |
| Cost of funding earning assets | 0.3962% | 3,976 |
| Net interest margin | 4.7646% | 397 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 2.3472% | 2,685 |
| Loan and lease loss provision to assets | 0.2500% | 378 |
| Net operating income to assets | 2.4625% | 253 |
| Return on assets (ROA) | 2.4625% | 250 |
| Pretax return on assets | 2.4625% | 374 |
| Return on Equity (ROE) | 38.1500% | 127 |
| Retained earnings to average equity (ytd only) | -15.5103% | 4,555 |
| Net charge-offs to loans | -0.0379% | 4,290 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 42.4182% | 4,371 |
| Assets per employee ($millions) | 7.0898% | 1,910 |
| Cash dividends to net income (ytd only)* | 140.6563% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7506% | 723 |
| Loan loss allowance to noncurrent loans | 358.8783% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.2850% | 1,733 |
| Noncurrent loans to loans | 0.4878% | 1,495 |
| Net loans and leases to total assets | 50.4500% | 3,452 |
| Net loans and leases to deposits | 60.7683% | 3,289 |
| Net loans and leases to core deposits | 62.5637% | 3,417 |
| Total domestic deposits to total assets | 83.0200% | 3,293 |
| Equity capital to assets | 6.3938% | 4,065 |
| Core capital (leverage) ratio | 9.1949% | 3,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4142% | 1,286 |
| Memoranda: | ||
| Average total assets | $1,752,364,000 | 640 |
| Average earning assets | $1,628,520,000 | 625 |
| Average equity | $113,112,000 | 863 |
| Average total loans | $886,030,000 | 806 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9669% | 1,806 |
| Cost of funding earning assets | 0.1062% | 4,363 |
| Net interest margin | 3.8607% | 1,049 |
| Noninterest income to average assets | 0.6800% | 1,362 |
| Noninterest expense to average assets | 2.1084% | 3,267 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 2.1810% | 220 |
| Return on assets (ROA) | 2.1921% | 207 |
| Pretax return on assets | 2.1921% | 325 |
| Return on Equity (ROE) | 31.0100% | 102 |
| Retained earnings to average equity (ytd only) | 17.4391% | 154 |
| Net charge-offs to loans | 0.0079% | 2,093 |
| Credit loss provision to net charge-offs | 311.4754% | 897 |
| Earnings coverage of net charge-offs (x) | 609.1803% | 287 |
| Efficiency ratio | 46.4115% | 4,324 |
| Assets per employee ($millions) | 6.9859% | 1,986 |
| Cash dividends to net income (ytd only)* | 43.7591% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7294% | 768 |
| Loan loss allowance to noncurrent loans | 350.0932% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.2978% | 1,664 |
| Noncurrent loans to loans | 0.4940% | 1,466 |
| Net loans and leases to total assets | 48.9100% | 3,595 |
| Net loans and leases to deposits | 58.3115% | 3,434 |
| Net loans and leases to core deposits | 59.8069% | 3,518 |
| Total domestic deposits to total assets | 83.8800% | 3,232 |
| Equity capital to assets | 6.5162% | 3,892 |
| Core capital (leverage) ratio | 9.4001% | 3,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0264% | 1,124 |
| Memoranda: | ||
| Average total assets | $1,695,115,400 | 639 |
| Average earning assets | $1,591,659,000 | 621 |
| Average equity | $119,834,200 | 819 |
| Average total loans | $771,165,200 | 835 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6392% | 2,225 |
| Cost of funding earning assets | 0.0776% | 4,436 |
| Net interest margin | 3.5616% | 1,484 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 2.0478% | 3,358 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.9736% | 299 |
| Return on assets (ROA) | 1.9885% | 290 |
| Pretax return on assets | 1.9885% | 477 |
| Return on Equity (ROE) | 27.5700% | 125 |
| Retained earnings to average equity (ytd only) | 9.7024% | 1,430 |
| Net charge-offs to loans | 0.0061% | 1,938 |
| Credit loss provision to net charge-offs | 558.8235% | 574 |
| Earnings coverage of net charge-offs (x) | 738.0000% | 221 |
| Efficiency ratio | 48.8141% | 4,226 |
| Assets per employee ($millions) | 6.9985% | 1,941 |
| Cash dividends to net income (ytd only)* | 64.8067% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7807% | 758 |
| Loan loss allowance to noncurrent loans | 453.7511% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.2342% | 2,056 |
| Noncurrent loans to loans | 0.3924% | 1,833 |
| Net loans and leases to total assets | 46.0100% | 3,758 |
| Net loans and leases to deposits | 52.6268% | 3,691 |
| Net loans and leases to core deposits | 53.9208% | 3,750 |
| Total domestic deposits to total assets | 87.4200% | 2,620 |
| Equity capital to assets | 5.5286% | 4,124 |
| Core capital (leverage) ratio | 8.4168% | 4,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9357% | 1,446 |
| Memoranda: | ||
| Average total assets | $1,682,277,000 | 645 |
| Average earning assets | $1,583,943,500 | 628 |
| Average equity | $121,341,750 | 816 |
| Average total loans | $746,644,500 | 860 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2270% | 2,964 |
| Cost of funding earning assets | 0.0743% | 4,429 |
| Net interest margin | 3.1526% | 2,354 |
| Noninterest income to average assets | 0.6822% | 1,421 |
| Noninterest expense to average assets | 1.8677% | 3,784 |
| Loan and lease loss provision to assets | 0.0227% | 2,190 |
| Net operating income to assets | 1.7692% | 363 |
| Return on assets (ROA) | 1.7919% | 340 |
| Pretax return on assets | 1.7919% | 614 |
| Return on Equity (ROE) | 22.8831% | 169 |
| Retained earnings to average equity (ytd only) | -0.0872% | 4,182 |
| Net charge-offs to loans | -0.0011% | 3,053 |
| Credit loss provision to net charge-offs | -4,650.0000% | 3,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0356% | 4,189 |
| Assets per employee ($millions) | 7.3198% | 1,724 |
| Cash dividends to net income (ytd only)* | 100.3808% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8293% | 774 |
| Loan loss allowance to noncurrent loans | 689.2237% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.1667% | 2,540 |
| Noncurrent loans to loans | 0.2654% | 2,416 |
| Net loans and leases to total assets | 43.5691% | 3,865 |
| Net loans and leases to deposits | 48.7885% | 3,876 |
| Net loans and leases to core deposits | 50.5888% | 3,906 |
| Total domestic deposits to total assets | 89.3019% | 2,046 |
| Equity capital to assets | 5.5949% | 4,334 |
| Core capital (leverage) ratio | 7.8385% | 4,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3238% | 1,620 |
| Memoranda: | ||
| Average total assets | $1,641,161,667 | 658 |
| Average earning assets | $1,549,946,000 | 640 |
| Average equity | $128,514,000 | 781 |
| Average total loans | $713,606,667 | 874 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2573% | 2,508 |
| Cost of funding earning assets | 0.0772% | 4,382 |
| Net interest margin | 3.1801% | 1,942 |
| Noninterest income to average assets | 0.7208% | 1,250 |
| Noninterest expense to average assets | 1.9356% | 3,589 |
| Loan and lease loss provision to assets | 0.0402% | 1,633 |
| Net operating income to assets | 1.7667% | 353 |
| Return on assets (ROA) | 1.7667% | 354 |
| Pretax return on assets | 1.7667% | 589 |
| Return on Equity (ROE) | 19.2299% | 262 |
| Retained earnings to average equity (ytd only) | -14.1887% | 4,633 |
| Net charge-offs to loans | -0.0097% | 3,576 |
| Credit loss provision to net charge-offs | -962.5000% | 3,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7196% | 4,213 |
| Assets per employee ($millions) | 6.8797% | 2,082 |
| Cash dividends to net income (ytd only)* | 173.7845% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3190% | 361 |
| Loan loss allowance to noncurrent loans | 730.6835% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.2079% | 2,387 |
| Noncurrent loans to loans | 0.3174% | 2,333 |
| Net loans and leases to total assets | 41.9517% | 3,885 |
| Net loans and leases to deposits | 48.2797% | 3,853 |
| Net loans and leases to core deposits | 49.8991% | 3,881 |
| Total domestic deposits to total assets | 86.8930% | 2,966 |
| Equity capital to assets | 7.9189% | 3,628 |
| Core capital (leverage) ratio | 9.8239% | 2,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5971% | 813 |
| Memoranda: | ||
| Average total assets | $1,532,127,500 | 688 |
| Average earning assets | $1,455,787,000 | 675 |
| Average equity | $140,760,000 | 743 |
| Average total loans | $657,838,500 | 935 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5506% | 2,515 |
| Cost of funding earning assets | 0.0941% | 4,426 |
| Net interest margin | 3.4565% | 1,865 |
| Noninterest income to average assets | 0.8436% | 1,333 |
| Noninterest expense to average assets | 2.1203% | 3,337 |
| Loan and lease loss provision to assets | 0.0374% | 2,294 |
| Net operating income to assets | 1.9574% | 369 |
| Return on assets (ROA) | 1.9574% | 390 |
| Pretax return on assets | 1.9574% | 657 |
| Return on Equity (ROE) | 18.7541% | 396 |
| Retained earnings to average equity (ytd only) | 8.2717% | 1,431 |
| Net charge-offs to loans | 0.0380% | 1,494 |
| Credit loss provision to net charge-offs | 202.5090% | 1,296 |
| Earnings coverage of net charge-offs (x) | 107.9857% | 848 |
| Efficiency ratio | 51.5245% | 4,156 |
| Assets per employee ($millions) | 7.1134% | 1,855 |
| Cash dividends to net income (ytd only)* | 55.8942% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2390% | 421 |
| Loan loss allowance to noncurrent loans | 842.5099% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.1878% | 2,623 |
| Noncurrent loans to loans | 0.2658% | 2,653 |
| Net loans and leases to total assets | 41.9640% | 3,980 |
| Net loans and leases to deposits | 49.4846% | 3,918 |
| Net loans and leases to core deposits | 51.2144% | 3,950 |
| Total domestic deposits to total assets | 84.8022% | 3,330 |
| Equity capital to assets | 10.4251% | 2,240 |
| Core capital (leverage) ratio | 10.0638% | 2,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5576% | 693 |
| Memoranda: | ||
| Average total assets | $1,510,302,400 | 681 |
| Average earning assets | $1,429,463,600 | 667 |
| Average equity | $157,634,800 | 685 |
| Average total loans | $734,751,000 | 843 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5898% | 2,587 |
| Cost of funding earning assets | 0.0984% | 4,518 |
| Net interest margin | 3.4914% | 1,886 |
| Noninterest income to average assets | 0.8768% | 1,302 |
| Noninterest expense to average assets | 2.1920% | 3,093 |
| Loan and lease loss provision to assets | 0.0497% | 2,003 |
| Net operating income to assets | 1.9351% | 523 |
| Return on assets (ROA) | 1.9351% | 545 |
| Pretax return on assets | 1.9351% | 891 |
| Return on Equity (ROE) | 18.5344% | 565 |
| Retained earnings to average equity (ytd only) | 4.4682% | 3,419 |
| Net charge-offs to loans | 0.0816% | 856 |
| Credit loss provision to net charge-offs | 121.5217% | 1,458 |
| Earnings coverage of net charge-offs (x) | 48.5478% | 1,261 |
| Efficiency ratio | 52.4811% | 3,986 |
| Assets per employee ($millions) | 7.5262% | 1,548 |
| Cash dividends to net income (ytd only)* | 75.8922% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0312% | 597 |
| Loan loss allowance to noncurrent loans | 864.1809% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.1706% | 2,983 |
| Noncurrent loans to loans | 0.2350% | 2,997 |
| Net loans and leases to total assets | 45.3432% | 3,843 |
| Net loans and leases to deposits | 53.3216% | 3,790 |
| Net loans and leases to core deposits | 55.1642% | 3,841 |
| Total domestic deposits to total assets | 85.0372% | 3,102 |
| Equity capital to assets | 10.3317% | 2,585 |
| Core capital (leverage) ratio | 9.6813% | 2,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1151% | 935 |
| Memoranda: | ||
| Average total assets | $1,500,196,750 | 693 |
| Average earning assets | $1,417,968,250 | 677 |
| Average equity | $156,627,250 | 699 |
| Average total loans | $752,026,000 | 845 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6115% | 2,584 |
| Cost of funding earning assets | 0.1037% | 4,553 |
| Net interest margin | 3.5078% | 1,838 |
| Noninterest income to average assets | 0.8896% | 1,298 |
| Noninterest expense to average assets | 2.2267% | 2,990 |
| Loan and lease loss provision to assets | 0.0749% | 1,584 |
| Net operating income to assets | 1.8965% | 593 |
| Return on assets (ROA) | 1.8965% | 621 |
| Pretax return on assets | 1.8965% | 1,026 |
| Return on Equity (ROE) | 18.0979% | 637 |
| Retained earnings to average equity (ytd only) | -1.2974% | 4,629 |
| Net charge-offs to loans | 0.0342% | 1,306 |
| Credit loss provision to net charge-offs | 426.1538% | 736 |
| Earnings coverage of net charge-offs (x) | 112.1000% | 699 |
| Efficiency ratio | 53.0403% | 3,927 |
| Assets per employee ($millions) | 6.9360% | 1,855 |
| Cash dividends to net income (ytd only)* | 107.1688% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0105% | 600 |
| Loan loss allowance to noncurrent loans | 671.5179% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.2136% | 2,875 |
| Noncurrent loans to loans | 0.2994% | 2,857 |
| Net loans and leases to total assets | 48.2648% | 3,703 |
| Net loans and leases to deposits | 56.7236% | 3,666 |
| Net loans and leases to core deposits | 58.7582% | 3,704 |
| Total domestic deposits to total assets | 85.0878% | 3,055 |
| Equity capital to assets | 10.2351% | 2,631 |
| Core capital (leverage) ratio | 9.4947% | 2,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6422% | 1,009 |
| Memoranda: | ||
| Average total assets | $1,478,442,667 | 698 |
| Average earning assets | $1,394,429,333 | 684 |
| Average equity | $154,923,667 | 695 |
| Average total loans | $761,186,000 | 842 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6256% | 2,557 |
| Cost of funding earning assets | 0.1053% | 4,623 |
| Net interest margin | 3.5203% | 1,775 |
| Noninterest income to average assets | 0.9129% | 1,292 |
| Noninterest expense to average assets | 2.0993% | 3,429 |
| Loan and lease loss provision to assets | 0.1127% | 1,225 |
| Net operating income to assets | 2.0105% | 562 |
| Return on assets (ROA) | 2.0105% | 605 |
| Pretax return on assets | 2.0105% | 930 |
| Return on Equity (ROE) | 18.9564% | 627 |
| Retained earnings to average equity (ytd only) | -12.1435% | 4,847 |
| Net charge-offs to loans | 0.0021% | 1,846 |
| Credit loss provision to net charge-offs | 10,275.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 1,935.0000% | 41 |
| Efficiency ratio | 49.7174% | 4,210 |
| Assets per employee ($millions) | 6.6726% | 2,028 |
| Cash dividends to net income (ytd only)* | 164.0606% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9479% | 669 |
| Loan loss allowance to noncurrent loans | 454.6142% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.2883% | 2,705 |
| Noncurrent loans to loans | 0.4285% | 2,575 |
| Net loans and leases to total assets | 50.6024% | 3,573 |
| Net loans and leases to deposits | 59.3534% | 3,538 |
| Net loans and leases to core deposits | 61.4678% | 3,612 |
| Total domestic deposits to total assets | 85.2561% | 3,010 |
| Equity capital to assets | 9.9397% | 2,759 |
| Core capital (leverage) ratio | 9.5537% | 2,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6631% | 974 |
| Memoranda: | ||
| Average total assets | $1,458,168,000 | 700 |
| Average earning assets | $1,370,913,000 | 685 |
| Average equity | $154,650,000 | 692 |
| Average total loans | $767,688,500 | 835 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9777% | 2,798 |
| Cost of funding earning assets | 0.1894% | 4,616 |
| Net interest margin | 3.7883% | 1,537 |
| Noninterest income to average assets | 0.9427% | 1,167 |
| Noninterest expense to average assets | 2.3719% | 3,198 |
| Loan and lease loss provision to assets | 0.1236% | 2,821 |
| Net operating income to assets | 2.0152% | 257 |
| Return on assets (ROA) | 2.0163% | 272 |
| Pretax return on assets | 2.0163% | 443 |
| Return on Equity (ROE) | 18.8237% | 289 |
| Retained earnings to average equity (ytd only) | 9.8005% | 627 |
| Net charge-offs to loans | -0.0750% | 4,748 |
| Credit loss provision to net charge-offs | -300.5386% | 3,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5839% | 4,341 |
| Assets per employee ($millions) | 6.3186% | 2,073 |
| Cash dividends to net income (ytd only)* | 47.9353% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9133% | 701 |
| Loan loss allowance to noncurrent loans | 354.7197% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.3605% | 2,544 |
| Noncurrent loans to loans | 0.5394% | 2,361 |
| Net loans and leases to total assets | 52.7125% | 3,612 |
| Net loans and leases to deposits | 63.0940% | 3,514 |
| Net loans and leases to core deposits | 65.5407% | 3,577 |
| Total domestic deposits to total assets | 83.5459% | 3,250 |
| Equity capital to assets | 11.3060% | 2,012 |
| Core capital (leverage) ratio | 10.2134% | 2,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2747% | 741 |
| Memoranda: | ||
| Average total assets | $1,354,774,000 | 676 |
| Average earning assets | $1,276,021,600 | 663 |
| Average equity | $145,115,000 | 694 |
| Average total loans | $742,970,600 | 835 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9570% | 3,094 |
| Cost of funding earning assets | 0.2135% | 4,624 |
| Net interest margin | 3.7435% | 1,788 |
| Noninterest income to average assets | 0.9147% | 1,185 |
| Noninterest expense to average assets | 2.3922% | 3,158 |
| Loan and lease loss provision to assets | 0.1250% | 2,772 |
| Net operating income to assets | 1.9283% | 347 |
| Return on assets (ROA) | 1.9294% | 379 |
| Pretax return on assets | 1.9294% | 595 |
| Return on Equity (ROE) | 18.2825% | 340 |
| Retained earnings to average equity (ytd only) | 5.9192% | 2,137 |
| Net charge-offs to loans | -0.1106% | 4,839 |
| Credit loss provision to net charge-offs | -205.0654% | 3,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8105% | 4,169 |
| Assets per employee ($millions) | 5.9926% | 2,269 |
| Cash dividends to net income (ytd only)* | 67.6238% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7485% | 809 |
| Loan loss allowance to noncurrent loans | 414.8428% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.3142% | 2,900 |
| Noncurrent loans to loans | 0.4215% | 2,797 |
| Net loans and leases to total assets | 56.6356% | 3,558 |
| Net loans and leases to deposits | 67.3836% | 3,522 |
| Net loans and leases to core deposits | 69.7994% | 3,635 |
| Total domestic deposits to total assets | 84.0495% | 2,805 |
| Equity capital to assets | 10.8589% | 2,513 |
| Core capital (leverage) ratio | 9.6173% | 3,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4176% | 852 |
| Memoranda: | ||
| Average total assets | $1,338,048,750 | 666 |
| Average earning assets | $1,262,038,750 | 651 |
| Average equity | $141,210,000 | 703 |
| Average total loans | $737,708,750 | 837 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0613% | 3,156 |
| Cost of funding earning assets | 0.2493% | 4,626 |
| Net interest margin | 3.8120% | 1,806 |
| Noninterest income to average assets | 0.8508% | 1,285 |
| Noninterest expense to average assets | 2.3810% | 3,301 |
| Loan and lease loss provision to assets | 0.1272% | 2,751 |
| Net operating income to assets | 1.9349% | 381 |
| Return on assets (ROA) | 1.9359% | 424 |
| Pretax return on assets | 1.9359% | 630 |
| Return on Equity (ROE) | 18.5369% | 332 |
| Retained earnings to average equity (ytd only) | 1.6223% | 3,901 |
| Net charge-offs to loans | 0.0649% | 1,594 |
| Credit loss provision to net charge-offs | 361.4719% | 1,486 |
| Earnings coverage of net charge-offs (x) | 58.5887% | 981 |
| Efficiency ratio | 53.5887% | 4,222 |
| Assets per employee ($millions) | 6.1032% | 2,084 |
| Cash dividends to net income (ytd only)* | 91.2482% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6006% | 1,009 |
| Loan loss allowance to noncurrent loans | 410.0694% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.2253% | 3,429 |
| Noncurrent loans to loans | 0.3903% | 3,005 |
| Net loans and leases to total assets | 54.7503% | 3,809 |
| Net loans and leases to deposits | 64.2407% | 3,861 |
| Net loans and leases to core deposits | 66.7504% | 3,939 |
| Total domestic deposits to total assets | 85.2268% | 2,296 |
| Equity capital to assets | 10.0764% | 3,132 |
| Core capital (leverage) ratio | 8.9879% | 3,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7171% | 947 |
| Memoranda: | ||
| Average total assets | $1,312,647,333 | 664 |
| Average earning assets | $1,237,003,667 | 649 |
| Average equity | $137,089,000 | 717 |
| Average total loans | $711,870,333 | 848 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3537% | 2,766 |
| Cost of funding earning assets | 0.2976% | 4,666 |
| Net interest margin | 4.0561% | 1,234 |
| Noninterest income to average assets | 0.8499% | 1,166 |
| Noninterest expense to average assets | 2.4672% | 3,367 |
| Loan and lease loss provision to assets | 0.1349% | 2,040 |
| Net operating income to assets | 2.0522% | 244 |
| Return on assets (ROA) | 2.0545% | 265 |
| Pretax return on assets | 2.0545% | 405 |
| Return on Equity (ROE) | 19.2731% | 197 |
| Retained earnings to average equity (ytd only) | -13.5520% | 4,864 |
| Net charge-offs to loans | 0.0127% | 2,131 |
| Credit loss provision to net charge-offs | 1,990.4762% | 345 |
| Earnings coverage of net charge-offs (x) | 322.7619% | 215 |
| Efficiency ratio | 53.0089% | 4,466 |
| Assets per employee ($millions) | 5.3774% | 2,246 |
| Cash dividends to net income (ytd only)* | 170.3157% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9321% | 572 |
| Loan loss allowance to noncurrent loans | 435.2741% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.2418% | 3,491 |
| Noncurrent loans to loans | 0.4439% | 2,925 |
| Net loans and leases to total assets | 51.3473% | 4,158 |
| Net loans and leases to deposits | 59.3741% | 4,224 |
| Net loans and leases to core deposits | 61.6891% | 4,284 |
| Total domestic deposits to total assets | 86.4810% | 1,792 |
| Equity capital to assets | 10.2551% | 3,553 |
| Core capital (leverage) ratio | 9.8680% | 3,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8142% | 1,172 |
| Memoranda: | ||
| Average total assets | $1,239,638,000 | 670 |
| Average earning assets | $1,162,683,500 | 655 |
| Average equity | $132,143,000 | 739 |
| Average total loans | $661,998,000 | 871 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8136% | 2,002 |
| Cost of funding earning assets | 0.3339% | 4,649 |
| Net interest margin | 4.4797% | 745 |
| Noninterest income to average assets | 0.9618% | 1,051 |
| Noninterest expense to average assets | 2.7517% | 2,744 |
| Loan and lease loss provision to assets | 0.1308% | 1,636 |
| Net operating income to assets | 2.2618% | 196 |
| Return on assets (ROA) | 2.2618% | 210 |
| Pretax return on assets | 2.2618% | 336 |
| Return on Equity (ROE) | 21.2404% | 153 |
| Retained earnings to average equity (ytd only) | 5.6929% | 2,032 |
| Net charge-offs to loans | 0.6680% | 257 |
| Credit loss provision to net charge-offs | 33.7192% | 3,248 |
| Earnings coverage of net charge-offs (x) | 6.1688% | 3,000 |
| Efficiency ratio | 53.4899% | 4,472 |
| Assets per employee ($millions) | 5.4510% | 2,104 |
| Cash dividends to net income (ytd only)* | 73.1978% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8702% | 588 |
| Loan loss allowance to noncurrent loans | 634.5799% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.1703% | 3,802 |
| Noncurrent loans to loans | 0.2947% | 3,373 |
| Net loans and leases to total assets | 53.4684% | 4,114 |
| Net loans and leases to deposits | 63.2477% | 4,122 |
| Net loans and leases to core deposits | 65.8684% | 4,195 |
| Total domestic deposits to total assets | 84.5381% | 2,665 |
| Equity capital to assets | 11.0806% | 2,919 |
| Core capital (leverage) ratio | 10.5393% | 2,913 |
| Tier 1 risk-based capital ratio | 17.3282% | 1,953 |
| Total risk-based capital ratio | 18.5835% | 1,899 |
| Memoranda: | ||
| Average total assets | $1,180,592,400 | 671 |
| Average earning assets | $1,102,262,600 | 661 |
| Average equity | $125,718,200 | 728 |
| Average total loans | $685,491,400 | 823 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8750% | 1,893 |
| Cost of funding earning assets | 0.3385% | 4,695 |
| Net interest margin | 4.5365% | 707 |
| Noninterest income to average assets | 0.9748% | 987 |
| Noninterest expense to average assets | 2.8593% | 2,379 |
| Loan and lease loss provision to assets | 0.1025% | 1,874 |
| Net operating income to assets | 2.2453% | 251 |
| Return on assets (ROA) | 2.2453% | 262 |
| Pretax return on assets | 2.2453% | 418 |
| Return on Equity (ROE) | 21.3091% | 187 |
| Retained earnings to average equity (ytd only) | 0.2030% | 4,725 |
| Net charge-offs to loans | 0.8575% | 177 |
| Credit loss provision to net charge-offs | 20.2654% | 2,965 |
| Earnings coverage of net charge-offs (x) | 4.6413% | 2,989 |
| Efficiency ratio | 54.9119% | 4,291 |
| Assets per employee ($millions) | 5.2098% | 2,330 |
| Cash dividends to net income (ytd only)* | 99.0473% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8525% | 600 |
| Loan loss allowance to noncurrent loans | 431.8909% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.3042% | 3,332 |
| Noncurrent loans to loans | 0.4289% | 3,021 |
| Net loans and leases to total assets | 52.2861% | 4,302 |
| Net loans and leases to deposits | 60.8566% | 4,348 |
| Net loans and leases to core deposits | 63.5206% | 4,397 |
| Total domestic deposits to total assets | 85.9169% | 2,029 |
| Equity capital to assets | 10.7181% | 3,366 |
| Core capital (leverage) ratio | 10.0041% | 3,640 |
| Tier 1 risk-based capital ratio | 16.7803% | 2,156 |
| Total risk-based capital ratio | 18.0351% | 2,102 |
| Memoranda: | ||
| Average total assets | $1,171,845,500 | 675 |
| Average earning assets | $1,093,278,750 | 666 |
| Average equity | $123,474,500 | 733 |
| Average total loans | $691,279,750 | 817 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9455% | 1,626 |
| Cost of funding earning assets | 0.3252% | 4,753 |
| Net interest margin | 4.6203% | 591 |
| Noninterest income to average assets | 0.9384% | 986 |
| Noninterest expense to average assets | 2.8566% | 2,395 |
| Loan and lease loss provision to assets | 0.1478% | 1,248 |
| Net operating income to assets | 2.2457% | 237 |
| Return on assets (ROA) | 2.2457% | 247 |
| Pretax return on assets | 2.2457% | 402 |
| Return on Equity (ROE) | 21.4410% | 187 |
| Retained earnings to average equity (ytd only) | -8.2311% | 5,138 |
| Net charge-offs to loans | 0.0274% | 2,307 |
| Credit loss provision to net charge-offs | 884.5361% | 385 |
| Earnings coverage of net charge-offs (x) | 143.2784% | 517 |
| Efficiency ratio | 54.4104% | 4,419 |
| Assets per employee ($millions) | 4.9757% | 2,505 |
| Cash dividends to net income (ytd only)* | 138.3896% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3072% | 292 |
| Loan loss allowance to noncurrent loans | 213.8346% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.7252% | 1,900 |
| Noncurrent loans to loans | 1.0790% | 1,516 |
| Net loans and leases to total assets | 58.3536% | 3,877 |
| Net loans and leases to deposits | 67.8140% | 3,980 |
| Net loans and leases to core deposits | 70.8124% | 4,073 |
| Total domestic deposits to total assets | 86.0494% | 2,011 |
| Equity capital to assets | 10.4685% | 3,542 |
| Core capital (leverage) ratio | 9.8887% | 3,715 |
| Tier 1 risk-based capital ratio | 15.7252% | 2,536 |
| Total risk-based capital ratio | 16.9868% | 2,466 |
| Memoranda: | ||
| Average total assets | $1,161,305,000 | 680 |
| Average earning assets | $1,083,730,000 | 669 |
| Average equity | $121,636,330 | 736 |
| Average total loans | $707,998,670 | 804 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9497% | 1,478 |
| Cost of funding earning assets | 0.3347% | 4,727 |
| Net interest margin | 4.6149% | 595 |
| Noninterest income to average assets | 0.9054% | 1,031 |
| Noninterest expense to average assets | 2.8655% | 2,373 |
| Loan and lease loss provision to assets | 0.1496% | 1,125 |
| Net operating income to assets | 2.1929% | 275 |
| Return on assets (ROA) | 2.1929% | 285 |
| Pretax return on assets | 2.1929% | 456 |
| Return on Equity (ROE) | 20.9305% | 213 |
| Retained earnings to average equity (ytd only) | -4.6516% | 4,909 |
| Net charge-offs to loans | 0.0191% | 2,084 |
| Credit loss provision to net charge-offs | 1,270.5882% | 304 |
| Earnings coverage of net charge-offs (x) | 198.9118% | 392 |
| Efficiency ratio | 55.0213% | 4,431 |
| Assets per employee ($millions) | 4.9948% | 2,525 |
| Cash dividends to net income (ytd only)* | 122.2240% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2327% | 342 |
| Loan loss allowance to noncurrent loans | 140.0744% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 1.0130% | 1,381 |
| Noncurrent loans to loans | 1.5939% | 995 |
| Net loans and leases to total assets | 59.2702% | 3,765 |
| Net loans and leases to deposits | 68.6324% | 3,873 |
| Net loans and leases to core deposits | 71.7040% | 3,969 |
| Total domestic deposits to total assets | 86.3589% | 2,124 |
| Equity capital to assets | 10.3967% | 3,419 |
| Core capital (leverage) ratio | 10.4352% | 3,126 |
| Tier 1 risk-based capital ratio | 16.2678% | 2,347 |
| Total risk-based capital ratio | 17.5289% | 2,289 |
| Memoranda: | ||
| Average total assets | $1,154,830,500 | 690 |
| Average earning assets | $1,076,676,500 | 676 |
| Average equity | $120,991,000 | 740 |
| Average total loans | $711,297,000 | 794 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7615% | 1,636 |
| Cost of funding earning assets | 0.2702% | 4,708 |
| Net interest margin | 4.4913% | 775 |
| Noninterest income to average assets | 0.9503% | 1,062 |
| Noninterest expense to average assets | 2.8185% | 2,629 |
| Loan and lease loss provision to assets | 0.2228% | 805 |
| Net operating income to assets | 2.0810% | 305 |
| Return on assets (ROA) | 2.0810% | 302 |
| Pretax return on assets | 2.0810% | 456 |
| Return on Equity (ROE) | 20.2193% | 241 |
| Retained earnings to average equity (ytd only) | 6.3170% | 2,024 |
| Net charge-offs to loans | 0.0430% | 2,554 |
| Credit loss provision to net charge-offs | 830.4054% | 437 |
| Earnings coverage of net charge-offs (x) | 85.8581% | 821 |
| Efficiency ratio | 54.7022% | 4,556 |
| Assets per employee ($millions) | 4.8138% | 2,718 |
| Cash dividends to net income (ytd only)* | 68.7576% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1599% | 359 |
| Loan loss allowance to noncurrent loans | 726.4249% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.2458% | 3,615 |
| Noncurrent loans to loans | 0.2973% | 3,497 |
| Net loans and leases to total assets | 61.2346% | 3,642 |
| Net loans and leases to deposits | 71.1670% | 3,735 |
| Net loans and leases to core deposits | 74.4685% | 3,819 |
| Total domestic deposits to total assets | 86.0435% | 2,206 |
| Equity capital to assets | 10.5591% | 3,120 |
| Core capital (leverage) ratio | 10.5510% | 2,967 |
| Tier 1 risk-based capital ratio | 16.6088% | 2,203 |
| Total risk-based capital ratio | 17.8695% | 2,146 |
| Memoranda: | ||
| Average total assets | $1,103,122,000 | 700 |
| Average earning assets | $1,024,719,600 | 690 |
| Average equity | $113,535,200 | 752 |
| Average total loans | $688,622,000 | 800 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6698% | 1,767 |
| Cost of funding earning assets | 0.2490% | 4,789 |
| Net interest margin | 4.4207% | 864 |
| Noninterest income to average assets | 0.9645% | 1,026 |
| Noninterest expense to average assets | 2.9608% | 2,142 |
| Loan and lease loss provision to assets | 0.1540% | 1,276 |
| Net operating income to assets | 1.9572% | 426 |
| Return on assets (ROA) | 1.9572% | 420 |
| Pretax return on assets | 1.9572% | 706 |
| Return on Equity (ROE) | 19.1464% | 327 |
| Retained earnings to average equity (ytd only) | 1.2450% | 4,793 |
| Net charge-offs to loans | 0.0561% | 2,013 |
| Credit loss provision to net charge-offs | 440.0697% | 776 |
| Earnings coverage of net charge-offs (x) | 60.3410% | 1,062 |
| Efficiency ratio | 58.0459% | 4,116 |
| Assets per employee ($millions) | 4.6210% | 2,957 |
| Cash dividends to net income (ytd only)* | 93.4974% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0078% | 477 |
| Loan loss allowance to noncurrent loans | 509.1559% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.3185% | 3,418 |
| Noncurrent loans to loans | 0.3943% | 3,240 |
| Net loans and leases to total assets | 62.6505% | 3,580 |
| Net loans and leases to deposits | 72.4603% | 3,732 |
| Net loans and leases to core deposits | 76.0564% | 3,799 |
| Total domestic deposits to total assets | 86.4619% | 1,985 |
| Equity capital to assets | 10.0677% | 3,573 |
| Core capital (leverage) ratio | 10.2655% | 3,338 |
| Tier 1 risk-based capital ratio | 15.6271% | 2,590 |
| Total risk-based capital ratio | 16.8856% | 2,528 |
| Memoranda: | ||
| Average total assets | $1,093,685,000 | 703 |
| Average earning assets | $1,016,184,000 | 692 |
| Average equity | $111,802,500 | 762 |
| Average total loans | $682,270,250 | 809 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5736% | 1,863 |
| Cost of funding earning assets | 0.2405% | 4,798 |
| Net interest margin | 4.3331% | 972 |
| Noninterest income to average assets | 0.9425% | 1,072 |
| Noninterest expense to average assets | 2.9700% | 2,137 |
| Loan and lease loss provision to assets | 0.1543% | 1,222 |
| Net operating income to assets | 1.8395% | 537 |
| Return on assets (ROA) | 1.8395% | 537 |
| Pretax return on assets | 1.8395% | 890 |
| Return on Equity (ROE) | 17.9022% | 425 |
| Retained earnings to average equity (ytd only) | -6.1206% | 5,334 |
| Net charge-offs to loans | 0.0107% | 2,764 |
| Credit loss provision to net charge-offs | 2,333.3333% | 177 |
| Earnings coverage of net charge-offs (x) | 301.4444% | 303 |
| Efficiency ratio | 59.4959% | 4,013 |
| Assets per employee ($millions) | 4.5146% | 3,111 |
| Cash dividends to net income (ytd only)* | 134.1890% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0410% | 484 |
| Loan loss allowance to noncurrent loans | 460.0589% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.3931% | 3,168 |
| Noncurrent loans to loans | 0.4436% | 3,105 |
| Net loans and leases to total assets | 61.2773% | 3,675 |
| Net loans and leases to deposits | 70.7483% | 3,797 |
| Net loans and leases to core deposits | 74.2611% | 3,864 |
| Total domestic deposits to total assets | 86.6131% | 2,011 |
| Equity capital to assets | 9.8320% | 3,790 |
| Core capital (leverage) ratio | 10.1700% | 3,397 |
| Tier 1 risk-based capital ratio | 15.4644% | 2,653 |
| Total risk-based capital ratio | 16.7232% | 2,587 |
| Memoranda: | ||
| Average total assets | $1,088,569,000 | 705 |
| Average earning assets | $1,010,234,000 | 694 |
| Average equity | $111,852,000 | 760 |
| Average total loans | $673,343,330 | 818 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5251% | 1,792 |
| Cost of funding earning assets | 0.2449% | 4,745 |
| Net interest margin | 4.2802% | 982 |
| Noninterest income to average assets | 0.9323% | 1,067 |
| Noninterest expense to average assets | 2.9802% | 2,114 |
| Loan and lease loss provision to assets | 0.1545% | 1,172 |
| Net operating income to assets | 1.7703% | 591 |
| Return on assets (ROA) | 1.7703% | 599 |
| Pretax return on assets | 1.7703% | 965 |
| Return on Equity (ROE) | 16.8590% | 524 |
| Retained earnings to average equity (ytd only) | -1.6299% | 4,975 |
| Net charge-offs to loans | -0.0379% | 4,847 |
| Credit loss provision to net charge-offs | -663.4921% | 4,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4115% | 4,015 |
| Assets per employee ($millions) | 4.4933% | 3,175 |
| Cash dividends to net income (ytd only)* | 109.6680% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0508% | 486 |
| Loan loss allowance to noncurrent loans | 444.6926% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.3759% | 3,323 |
| Noncurrent loans to loans | 0.4612% | 3,145 |
| Net loans and leases to total assets | 60.1082% | 3,743 |
| Net loans and leases to deposits | 71.8899% | 3,618 |
| Net loans and leases to core deposits | 75.4647% | 3,711 |
| Total domestic deposits to total assets | 83.6115% | 3,464 |
| Equity capital to assets | 10.2360% | 3,355 |
| Core capital (leverage) ratio | 10.3386% | 3,134 |
| Tier 1 risk-based capital ratio | 16.1782% | 2,400 |
| Total risk-based capital ratio | 17.4369% | 2,348 |
| Memoranda: | ||
| Average total assets | $1,082,072,500 | 707 |
| Average earning assets | $1,004,342,500 | 702 |
| Average equity | $113,625,000 | 751 |
| Average total loans | $665,479,500 | 826 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3877% | 2,063 |
| Cost of funding earning assets | 0.1955% | 4,983 |
| Net interest margin | 4.1922% | 1,205 |
| Noninterest income to average assets | 0.8877% | 1,308 |
| Noninterest expense to average assets | 2.7570% | 2,933 |
| Loan and lease loss provision to assets | 0.2874% | 611 |
| Net operating income to assets | 1.7278% | 495 |
| Return on assets (ROA) | 1.7312% | 504 |
| Pretax return on assets | 1.7312% | 936 |
| Return on Equity (ROE) | 16.8828% | 406 |
| Retained earnings to average equity (ytd only) | 6.5104% | 1,274 |
| Net charge-offs to loans | 0.3017% | 863 |
| Credit loss provision to net charge-offs | 163.9284% | 1,636 |
| Earnings coverage of net charge-offs (x) | 11.4955% | 2,569 |
| Efficiency ratio | 57.4203% | 4,597 |
| Assets per employee ($millions) | 4.4493% | 3,272 |
| Cash dividends to net income (ytd only)* | 61.4376% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0063% | 534 |
| Loan loss allowance to noncurrent loans | 399.8794% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.3771% | 3,355 |
| Noncurrent loans to loans | 0.5017% | 3,019 |
| Net loans and leases to total assets | 60.4000% | 3,791 |
| Net loans and leases to deposits | 77.4374% | 3,176 |
| Net loans and leases to core deposits | 81.0689% | 3,329 |
| Total domestic deposits to total assets | 77.9985% | 4,720 |
| Equity capital to assets | 10.7702% | 2,871 |
| Core capital (leverage) ratio | 10.5469% | 2,789 |
| Tier 1 risk-based capital ratio | 16.3764% | 2,309 |
| Total risk-based capital ratio | 17.6345% | 2,241 |
| Memoranda: | ||
| Average total assets | $1,083,278,600 | 684 |
| Average earning assets | $1,003,759,600 | 675 |
| Average equity | $111,083,400 | 741 |
| Average total loans | $629,512,400 | 832 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2701% | 2,360 |
| Cost of funding earning assets | 0.1760% | 5,156 |
| Net interest margin | 4.0941% | 1,409 |
| Noninterest income to average assets | 0.8809% | 1,332 |
| Noninterest expense to average assets | 2.8781% | 2,477 |
| Loan and lease loss provision to assets | 0.1015% | 2,086 |
| Net operating income to assets | 1.6965% | 582 |
| Return on assets (ROA) | 1.7011% | 589 |
| Pretax return on assets | 1.7011% | 1,122 |
| Return on Equity (ROE) | 16.7974% | 454 |
| Retained earnings to average equity (ytd only) | 2.9871% | 4,139 |
| Net charge-offs to loans | 0.0545% | 2,360 |
| Credit loss provision to net charge-offs | 325.5906% | 925 |
| Earnings coverage of net charge-offs (x) | 57.6611% | 1,015 |
| Efficiency ratio | 61.1883% | 4,015 |
| Assets per employee ($millions) | 4.4760% | 3,184 |
| Cash dividends to net income (ytd only)* | 82.2171% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9452% | 639 |
| Loan loss allowance to noncurrent loans | 456.7137% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.3140% | 3,809 |
| Noncurrent loans to loans | 0.4259% | 3,424 |
| Net loans and leases to total assets | 58.9679% | 3,968 |
| Net loans and leases to deposits | 75.2890% | 3,440 |
| Net loans and leases to core deposits | 78.7518% | 3,563 |
| Total domestic deposits to total assets | 78.3221% | 4,665 |
| Equity capital to assets | 10.4721% | 3,404 |
| Core capital (leverage) ratio | 10.2130% | 3,298 |
| Tier 1 risk-based capital ratio | 15.8597% | 2,566 |
| Total risk-based capital ratio | 17.1169% | 2,492 |
| Memoranda: | ||
| Average total assets | $1,086,028,000 | 686 |
| Average earning assets | $1,006,758,750 | 675 |
| Average equity | $109,982,500 | 749 |
| Average total loans | $621,661,000 | 848 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2242% | 2,383 |
| Cost of funding earning assets | 0.1707% | 5,205 |
| Net interest margin | 4.0535% | 1,454 |
| Noninterest income to average assets | 0.8401% | 1,440 |
| Noninterest expense to average assets | 2.8771% | 2,495 |
| Loan and lease loss provision to assets | 0.1011% | 1,996 |
| Net operating income to assets | 1.6190% | 668 |
| Return on assets (ROA) | 1.6234% | 684 |
| Pretax return on assets | 1.6234% | 1,267 |
| Return on Equity (ROE) | 16.2126% | 501 |
| Retained earnings to average equity (ytd only) | -1.6314% | 5,311 |
| Net charge-offs to loans | 0.0708% | 1,928 |
| Credit loss provision to net charge-offs | 253.4562% | 1,065 |
| Earnings coverage of net charge-offs (x) | 43.1382% | 1,195 |
| Efficiency ratio | 62.2207% | 3,952 |
| Assets per employee ($millions) | 4.4801% | 3,145 |
| Cash dividends to net income (ytd only)* | 110.0623% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9894% | 615 |
| Loan loss allowance to noncurrent loans | 531.7440% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.2993% | 3,935 |
| Noncurrent loans to loans | 0.3741% | 3,687 |
| Net loans and leases to total assets | 56.0214% | 4,224 |
| Net loans and leases to deposits | 66.6474% | 4,177 |
| Net loans and leases to core deposits | 69.7155% | 4,243 |
| Total domestic deposits to total assets | 84.0564% | 3,175 |
| Equity capital to assets | 10.1188% | 3,774 |
| Core capital (leverage) ratio | 9.7317% | 3,861 |
| Tier 1 risk-based capital ratio | 15.9648% | 2,519 |
| Total risk-based capital ratio | 17.2224% | 2,458 |
| Memoranda: | ||
| Average total assets | $1,088,468,330 | 685 |
| Average earning assets | $1,008,849,000 | 677 |
| Average equity | $108,989,000 | 753 |
| Average total loans | $612,644,670 | 864 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0822% | 2,714 |
| Cost of funding earning assets | 0.1548% | 5,338 |
| Net interest margin | 3.9274% | 1,682 |
| Noninterest income to average assets | 0.8262% | 1,465 |
| Noninterest expense to average assets | 2.7454% | 2,974 |
| Loan and lease loss provision to assets | 0.0985% | 1,918 |
| Net operating income to assets | 1.6186% | 652 |
| Return on assets (ROA) | 1.6186% | 670 |
| Pretax return on assets | 1.6186% | 1,187 |
| Return on Equity (ROE) | 16.2503% | 497 |
| Retained earnings to average equity (ytd only) | 1.4095% | 4,539 |
| Net charge-offs to loans | 0.0217% | 2,342 |
| Credit loss provision to net charge-offs | 812.1212% | 386 |
| Earnings coverage of net charge-offs (x) | 141.5758% | 385 |
| Efficiency ratio | 61.1431% | 4,296 |
| Assets per employee ($millions) | 4.4640% | 3,229 |
| Cash dividends to net income (ytd only)* | 91.3261% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0127% | 655 |
| Loan loss allowance to noncurrent loans | 366.3783% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.3899% | 3,643 |
| Noncurrent loans to loans | 0.5493% | 3,167 |
| Net loans and leases to total assets | 54.8920% | 4,261 |
| Net loans and leases to deposits | 63.9453% | 4,314 |
| Net loans and leases to core deposits | 67.0248% | 4,354 |
| Total domestic deposits to total assets | 85.8421% | 2,745 |
| Equity capital to assets | 10.0040% | 3,751 |
| Core capital (leverage) ratio | 9.8316% | 3,720 |
| Tier 1 risk-based capital ratio | 16.2032% | 2,474 |
| Total risk-based capital ratio | 17.4608% | 2,410 |
| Memoranda: | ||
| Average total assets | $1,088,376,000 | 689 |
| Average earning assets | $1,007,695,500 | 684 |
| Average equity | $108,404,000 | 758 |
| Average total loans | $607,838,000 | 866 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1132% | 2,796 |
| Cost of funding earning assets | 0.1508% | 5,421 |
| Net interest margin | 3.9624% | 1,749 |
| Noninterest income to average assets | 0.7888% | 1,790 |
| Noninterest expense to average assets | 2.7661% | 3,134 |
| Loan and lease loss provision to assets | 0.1731% | 1,399 |
| Net operating income to assets | 1.5225% | 795 |
| Return on assets (ROA) | 1.5230% | 822 |
| Pretax return on assets | 1.5230% | 1,516 |
| Return on Equity (ROE) | 15.4294% | 572 |
| Retained earnings to average equity (ytd only) | 8.4567% | 713 |
| Net charge-offs to loans | 0.0457% | 3,128 |
| Credit loss provision to net charge-offs | 693.7269% | 511 |
| Earnings coverage of net charge-offs (x) | 67.9557% | 813 |
| Efficiency ratio | 61.6183% | 4,328 |
| Assets per employee ($millions) | 4.4030% | 3,274 |
| Cash dividends to net income (ytd only)* | 45.1907% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9894% | 670 |
| Loan loss allowance to noncurrent loans | 360.5507% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.4009% | 3,662 |
| Noncurrent loans to loans | 0.5518% | 3,192 |
| Net loans and leases to total assets | 54.5689% | 4,388 |
| Net loans and leases to deposits | 63.7835% | 4,429 |
| Net loans and leases to core deposits | 66.8032% | 4,476 |
| Total domestic deposits to total assets | 85.5533% | 2,808 |
| Equity capital to assets | 9.9162% | 3,804 |
| Core capital (leverage) ratio | 9.8634% | 3,673 |
| Tier 1 risk-based capital ratio | 16.6303% | 2,297 |
| Total risk-based capital ratio | 17.8881% | 2,235 |
| Memoranda: | ||
| Average total assets | $1,086,093,200 | 661 |
| Average earning assets | $1,006,739,600 | 658 |
| Average equity | $107,204,400 | 747 |
| Average total loans | $593,162,000 | 842 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1232% | 2,789 |
| Cost of funding earning assets | 0.1488% | 5,493 |
| Net interest margin | 3.9744% | 1,727 |
| Noninterest income to average assets | 0.7805% | 1,839 |
| Noninterest expense to average assets | 2.8628% | 2,778 |
| Loan and lease loss provision to assets | 0.0927% | 2,371 |
| Net operating income to assets | 1.5096% | 862 |
| Return on assets (ROA) | 1.5102% | 912 |
| Pretax return on assets | 1.5102% | 1,680 |
| Return on Equity (ROE) | 15.3178% | 631 |
| Retained earnings to average equity (ytd only) | 6.2527% | 2,034 |
| Net charge-offs to loans | 0.0569% | 2,552 |
| Credit loss provision to net charge-offs | 299.6032% | 1,040 |
| Earnings coverage of net charge-offs (x) | 51.7780% | 1,044 |
| Efficiency ratio | 63.7376% | 3,962 |
| Assets per employee ($millions) | 4.5052% | 3,076 |
| Cash dividends to net income (ytd only)* | 59.1804% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8227% | 973 |
| Loan loss allowance to noncurrent loans | 364.5452% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.3748% | 3,924 |
| Noncurrent loans to loans | 0.5000% | 3,507 |
| Net loans and leases to total assets | 54.7274% | 4,427 |
| Net loans and leases to deposits | 64.9013% | 4,422 |
| Net loans and leases to core deposits | 68.2176% | 4,452 |
| Total domestic deposits to total assets | 84.3242% | 3,088 |
| Equity capital to assets | 10.2624% | 3,843 |
| Core capital (leverage) ratio | 9.4657% | 4,224 |
| Tier 1 risk-based capital ratio | 16.1770% | 2,554 |
| Total risk-based capital ratio | 17.4330% | 2,501 |
| Memoranda: | ||
| Average total assets | $1,085,733,750 | 662 |
| Average earning assets | $1,006,546,750 | 659 |
| Average equity | $107,045,000 | 749 |
| Average total loans | $590,077,500 | 846 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1062% | 2,832 |
| Cost of funding earning assets | 0.1462% | 5,572 |
| Net interest margin | 3.9600% | 1,774 |
| Noninterest income to average assets | 0.7635% | 1,874 |
| Noninterest expense to average assets | 2.8927% | 2,701 |
| Loan and lease loss provision to assets | 0.0608% | 2,924 |
| Net operating income to assets | 1.4808% | 923 |
| Return on assets (ROA) | 1.4810% | 973 |
| Pretax return on assets | 1.4810% | 1,736 |
| Return on Equity (ROE) | 15.2266% | 647 |
| Retained earnings to average equity (ytd only) | 4.6783% | 2,933 |
| Net charge-offs to loans | 0.0767% | 2,096 |
| Credit loss provision to net charge-offs | 147.1111% | 1,615 |
| Earnings coverage of net charge-offs (x) | 37.2978% | 1,204 |
| Efficiency ratio | 64.8577% | 3,868 |
| Assets per employee ($millions) | 4.4539% | 3,116 |
| Cash dividends to net income (ytd only)* | 69.2756% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7559% | 1,169 |
| Loan loss allowance to noncurrent loans | 545.9865% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.2576% | 4,466 |
| Noncurrent loans to loans | 0.3216% | 4,219 |
| Net loans and leases to total assets | 53.8375% | 4,528 |
| Net loans and leases to deposits | 62.8528% | 4,582 |
| Net loans and leases to core deposits | 64.7233% | 4,694 |
| Total domestic deposits to total assets | 85.6565% | 2,581 |
| Equity capital to assets | 9.8678% | 4,370 |
| Core capital (leverage) ratio | 9.2553% | 4,514 |
| Tier 1 risk-based capital ratio | 15.4621% | 2,873 |
| Total risk-based capital ratio | 16.7168% | 2,807 |
| Memoranda: | ||
| Average total assets | $1,088,733,670 | 658 |
| Average earning assets | $1,009,252,670 | 655 |
| Average equity | $105,893,670 | 754 |
| Average total loans | $586,700,330 | 848 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0552% | 3,016 |
| Cost of funding earning assets | 0.1431% | 5,652 |
| Net interest margin | 3.9121% | 1,899 |
| Noninterest income to average assets | 0.7655% | 1,752 |
| Noninterest expense to average assets | 2.9032% | 2,695 |
| Loan and lease loss provision to assets | 0.0627% | 2,699 |
| Net operating income to assets | 1.4271% | 990 |
| Return on assets (ROA) | 1.4275% | 1,035 |
| Pretax return on assets | 1.4275% | 1,810 |
| Return on Equity (ROE) | 14.7850% | 702 |
| Retained earnings to average equity (ytd only) | 5.6536% | 2,555 |
| Net charge-offs to loans | 0.1483% | 1,225 |
| Credit loss provision to net charge-offs | 79.0698% | 1,841 |
| Earnings coverage of net charge-offs (x) | 18.8000% | 1,529 |
| Efficiency ratio | 65.7018% | 3,850 |
| Assets per employee ($millions) | 4.4406% | 3,180 |
| Cash dividends to net income (ytd only)* | 61.7609% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7728% | 1,206 |
| Loan loss allowance to noncurrent loans | 315.5785% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.3807% | 4,063 |
| Noncurrent loans to loans | 0.5618% | 3,503 |
| Net loans and leases to total assets | 52.2855% | 4,608 |
| Net loans and leases to deposits | 59.8890% | 4,724 |
| Net loans and leases to core deposits | 61.6982% | 4,829 |
| Total domestic deposits to total assets | 87.3040% | 2,049 |
| Equity capital to assets | 9.6520% | 4,501 |
| Core capital (leverage) ratio | 9.1693% | 4,633 |
| Tier 1 risk-based capital ratio | 15.4706% | 2,937 |
| Total risk-based capital ratio | 16.7253% | 2,864 |
| Memoranda: | ||
| Average total assets | $1,085,271,500 | 662 |
| Average earning assets | $1,006,322,500 | 654 |
| Average equity | $104,782,000 | 766 |
| Average total loans | $579,841,500 | 850 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8812% | 3,773 |
| Cost of funding earning assets | 0.1585% | 5,629 |
| Net interest margin | 3.7227% | 2,665 |
| Noninterest income to average assets | 0.7954% | 1,803 |
| Noninterest expense to average assets | 2.8852% | 2,905 |
| Loan and lease loss provision to assets | 0.1148% | 2,084 |
| Net operating income to assets | 1.2425% | 1,407 |
| Return on assets (ROA) | 1.2535% | 1,434 |
| Pretax return on assets | 1.2535% | 2,458 |
| Return on Equity (ROE) | 13.4102% | 970 |
| Retained earnings to average equity (ytd only) | 7.0483% | 1,260 |
| Net charge-offs to loans | 0.2147% | 1,370 |
| Credit loss provision to net charge-offs | 108.3916% | 2,329 |
| Earnings coverage of net charge-offs (x) | 12.8164% | 2,424 |
| Efficiency ratio | 67.6086% | 3,642 |
| Assets per employee ($millions) | 4.2098% | 3,548 |
| Cash dividends to net income (ytd only)* | 47.4411% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8199% | 1,102 |
| Loan loss allowance to noncurrent loans | 298.9688% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.4017% | 3,991 |
| Noncurrent loans to loans | 0.6087% | 3,348 |
| Net loans and leases to total assets | 52.6572% | 4,642 |
| Net loans and leases to deposits | 60.8276% | 4,713 |
| Net loans and leases to core deposits | 62.7552% | 4,816 |
| Total domestic deposits to total assets | 86.5680% | 2,339 |
| Equity capital to assets | 9.6579% | 4,359 |
| Core capital (leverage) ratio | 9.0564% | 4,812 |
| Tier 1 risk-based capital ratio | 15.8480% | 2,762 |
| Total risk-based capital ratio | 17.1037% | 2,697 |
| Memoranda: | ||
| Average total assets | $1,080,277,800 | 650 |
| Average earning assets | $1,000,265,400 | 638 |
| Average equity | $100,975,200 | 764 |
| Average total loans | $532,771,400 | 882 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8308% | 3,995 |
| Cost of funding earning assets | 0.1623% | 5,687 |
| Net interest margin | 3.6685% | 2,895 |
| Noninterest income to average assets | 0.8123% | 1,765 |
| Noninterest expense to average assets | 2.8789% | 2,913 |
| Loan and lease loss provision to assets | 0.0805% | 2,562 |
| Net operating income to assets | 1.2534% | 1,476 |
| Return on assets (ROA) | 1.2647% | 1,497 |
| Pretax return on assets | 1.2647% | 2,534 |
| Return on Equity (ROE) | 13.6422% | 970 |
| Retained earnings to average equity (ytd only) | 5.3610% | 2,672 |
| Net charge-offs to loans | 0.2824% | 944 |
| Credit loss provision to net charge-offs | 59.0786% | 2,916 |
| Earnings coverage of net charge-offs (x) | 9.7877% | 2,665 |
| Efficiency ratio | 67.9369% | 3,552 |
| Assets per employee ($millions) | 4.3011% | 3,317 |
| Cash dividends to net income (ytd only)* | 60.7028% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8199% | 1,227 |
| Loan loss allowance to noncurrent loans | 301.1879% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.3779% | 4,253 |
| Noncurrent loans to loans | 0.6042% | 3,505 |
| Net loans and leases to total assets | 49.2169% | 4,998 |
| Net loans and leases to deposits | 56.6964% | 5,089 |
| Net loans and leases to core deposits | 58.3508% | 5,166 |
| Total domestic deposits to total assets | 86.8078% | 2,135 |
| Equity capital to assets | 9.3897% | 4,890 |
| Core capital (leverage) ratio | 8.7346% | 5,310 |
| Tier 1 risk-based capital ratio | 15.9379% | 2,825 |
| Total risk-based capital ratio | 17.1931% | 2,766 |
| Memoranda: | ||
| Average total assets | $1,083,026,500 | 652 |
| Average earning assets | $1,003,901,750 | 645 |
| Average equity | $100,401,500 | 768 |
| Average total loans | $522,591,250 | 900 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8399% | 3,920 |
| Cost of funding earning assets | 0.1609% | 5,770 |
| Net interest margin | 3.6790% | 2,802 |
| Noninterest income to average assets | 0.7455% | 2,020 |
| Noninterest expense to average assets | 2.8302% | 3,130 |
| Loan and lease loss provision to assets | 0.0802% | 2,507 |
| Net operating income to assets | 1.2402% | 1,492 |
| Return on assets (ROA) | 1.2444% | 1,540 |
| Pretax return on assets | 1.2444% | 2,573 |
| Return on Equity (ROE) | 13.4815% | 1,020 |
| Retained earnings to average equity (ytd only) | 4.3784% | 3,231 |
| Net charge-offs to loans | 0.3828% | 682 |
| Credit loss provision to net charge-offs | 43.9716% | 2,769 |
| Earnings coverage of net charge-offs (x) | 7.2421% | 2,691 |
| Efficiency ratio | 67.7837% | 3,701 |
| Assets per employee ($millions) | 4.2591% | 3,373 |
| Cash dividends to net income (ytd only)* | 67.5226% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8836% | 1,202 |
| Loan loss allowance to noncurrent loans | 297.3269% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.5157% | 3,894 |
| Noncurrent loans to loans | 0.6335% | 3,575 |
| Net loans and leases to total assets | 47.1290% | 5,172 |
| Net loans and leases to deposits | 53.8520% | 5,265 |
| Net loans and leases to core deposits | 55.4127% | 5,346 |
| Total domestic deposits to total assets | 87.5157% | 1,895 |
| Equity capital to assets | 9.2436% | 4,965 |
| Core capital (leverage) ratio | 8.4242% | 5,605 |
| Tier 1 risk-based capital ratio | 16.0383% | 2,835 |
| Total risk-based capital ratio | 17.2939% | 2,789 |
| Memoranda: | ||
| Average total assets | $1,082,743,000 | 653 |
| Average earning assets | $1,002,117,000 | 648 |
| Average equity | $99,944,330 | 776 |
| Average total loans | $515,675,330 | 915 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8005% | 4,005 |
| Cost of funding earning assets | 0.1597% | 5,843 |
| Net interest margin | 3.6408% | 2,855 |
| Noninterest income to average assets | 0.7511% | 1,913 |
| Noninterest expense to average assets | 2.8456% | 3,083 |
| Loan and lease loss provision to assets | 0.0798% | 2,364 |
| Net operating income to assets | 1.1927% | 1,571 |
| Return on assets (ROA) | 1.1972% | 1,657 |
| Pretax return on assets | 1.1972% | 2,682 |
| Return on Equity (ROE) | 12.9787% | 1,096 |
| Retained earnings to average equity (ytd only) | 7.5182% | 1,756 |
| Net charge-offs to loans | 0.7460% | 315 |
| Credit loss provision to net charge-offs | 22.5470% | 2,339 |
| Earnings coverage of net charge-offs (x) | 3.5971% | 2,587 |
| Efficiency ratio | 68.6872% | 3,713 |
| Assets per employee ($millions) | 4.4171% | 3,175 |
| Cash dividends to net income (ytd only)* | 42.0728% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8620% | 1,367 |
| Loan loss allowance to noncurrent loans | 295.1722% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.4975% | 4,037 |
| Noncurrent loans to loans | 0.6308% | 3,698 |
| Net loans and leases to total assets | 44.9164% | 5,274 |
| Net loans and leases to deposits | 51.3483% | 5,370 |
| Net loans and leases to core deposits | 52.8195% | 5,436 |
| Total domestic deposits to total assets | 87.4739% | 2,121 |
| Equity capital to assets | 8.9674% | 5,331 |
| Core capital (leverage) ratio | 8.4024% | 5,629 |
| Tier 1 risk-based capital ratio | 16.2978% | 2,779 |
| Total risk-based capital ratio | 17.5533% | 2,717 |
| Memoranda: | ||
| Average total assets | $1,083,212,500 | 655 |
| Average earning assets | $1,001,753,000 | 644 |
| Average equity | $99,917,500 | 778 |
| Average total loans | $513,697,500 | 915 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0882% | 3,368 |
| Cost of funding earning assets | 0.1668% | 5,999 |
| Net interest margin | 3.9214% | 2,154 |
| Noninterest income to average assets | 0.8318% | 1,744 |
| Noninterest expense to average assets | 3.2955% | 1,942 |
| Loan and lease loss provision to assets | 0.0258% | 4,092 |
| Net operating income to assets | 1.1017% | 1,966 |
| Return on assets (ROA) | 1.1017% | 2,022 |
| Pretax return on assets | 1.1017% | 3,078 |
| Return on Equity (ROE) | 11.6385% | 1,511 |
| Retained earnings to average equity (ytd only) | 4.1032% | 3,284 |
| Net charge-offs to loans | 0.0308% | 4,210 |
| Credit loss provision to net charge-offs | 169.2810% | 1,444 |
| Earnings coverage of net charge-offs (x) | 74.0131% | 677 |
| Efficiency ratio | 74.0996% | 2,816 |
| Assets per employee ($millions) | 4.0628% | 3,799 |
| Cash dividends to net income (ytd only)* | 64.7447% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0202% | 1,070 |
| Loan loss allowance to noncurrent loans | 154.2052% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.7369% | 3,366 |
| Noncurrent loans to loans | 1.3101% | 2,252 |
| Net loans and leases to total assets | 48.2215% | 5,127 |
| Net loans and leases to deposits | 55.4104% | 5,215 |
| Net loans and leases to core deposits | 57.0738% | 5,305 |
| Total domestic deposits to total assets | 87.0261% | 2,271 |
| Equity capital to assets | 9.5022% | 4,719 |
| Core capital (leverage) ratio | 8.5257% | 5,534 |
| Tier 1 risk-based capital ratio | 15.6773% | 3,138 |
| Total risk-based capital ratio | 16.9342% | 3,066 |
| Memoranda: | ||
| Average total assets | $1,004,401,800 | 676 |
| Average earning assets | $919,799,800 | 664 |
| Average equity | $95,072,200 | 777 |
| Average total loans | $496,823,600 | 903 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1305% | 3,251 |
| Cost of funding earning assets | 0.1708% | 6,056 |
| Net interest margin | 3.9596% | 1,998 |
| Noninterest income to average assets | 0.8373% | 1,754 |
| Noninterest expense to average assets | 3.1821% | 2,231 |
| Loan and lease loss provision to assets | 0.0137% | 4,142 |
| Net operating income to assets | 1.2937% | 1,386 |
| Return on assets (ROA) | 1.2937% | 1,444 |
| Pretax return on assets | 1.2937% | 2,397 |
| Return on Equity (ROE) | 14.5474% | 896 |
| Retained earnings to average equity (ytd only) | 3.3263% | 4,252 |
| Net charge-offs to loans | -0.0190% | 5,595 |
| Credit loss provision to net charge-offs | -143.5484% | 5,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8793% | 3,361 |
| Assets per employee ($millions) | 3.7453% | 4,408 |
| Cash dividends to net income (ytd only)* | 77.1347% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8868% | 1,479 |
| Loan loss allowance to noncurrent loans | 290.1528% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.4416% | 4,583 |
| Noncurrent loans to loans | 0.6503% | 3,987 |
| Net loans and leases to total assets | 50.4854% | 4,952 |
| Net loans and leases to deposits | 58.3326% | 5,077 |
| Net loans and leases to core deposits | 59.6574% | 5,220 |
| Total domestic deposits to total assets | 86.5476% | 2,559 |
| Equity capital to assets | 8.9730% | 5,383 |
| Core capital (leverage) ratio | 8.7375% | 5,401 |
| Tier 1 risk-based capital ratio | 15.2469% | 3,444 |
| Total risk-based capital ratio | 16.5025% | 3,387 |
| Memoranda: | ||
| Average total assets | $868,993,750 | 771 |
| Average earning assets | $801,533,500 | 763 |
| Average equity | $77,281,250 | 949 |
| Average total loans | $435,674,500 | 1,014 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0971% | 3,353 |
| Cost of funding earning assets | 0.1719% | 6,123 |
| Net interest margin | 3.9252% | 2,067 |
| Noninterest income to average assets | 0.8178% | 1,775 |
| Noninterest expense to average assets | 3.1722% | 2,275 |
| Loan and lease loss provision to assets | 0.0136% | 3,988 |
| Net operating income to assets | 1.2472% | 1,452 |
| Return on assets (ROA) | 1.2472% | 1,515 |
| Pretax return on assets | 1.2472% | 2,468 |
| Return on Equity (ROE) | 14.0674% | 939 |
| Retained earnings to average equity (ytd only) | 1.5042% | 5,141 |
| Net charge-offs to loans | -0.0302% | 5,691 |
| Credit loss provision to net charge-offs | -90.7692% | 5,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5574% | 3,421 |
| Assets per employee ($millions) | 3.6393% | 4,576 |
| Cash dividends to net income (ytd only)* | 89.3069% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9259% | 1,520 |
| Loan loss allowance to noncurrent loans | 127.4005% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.8844% | 3,336 |
| Noncurrent loans to loans | 1.5117% | 2,306 |
| Net loans and leases to total assets | 50.2927% | 4,927 |
| Net loans and leases to deposits | 58.0335% | 5,039 |
| Net loans and leases to core deposits | 59.3768% | 5,170 |
| Total domestic deposits to total assets | 86.6616% | 2,664 |
| Equity capital to assets | 9.0761% | 5,224 |
| Core capital (leverage) ratio | 8.6497% | 5,468 |
| Tier 1 risk-based capital ratio | 15.3171% | 3,462 |
| Total risk-based capital ratio | 16.5731% | 3,408 |
| Memoranda: | ||
| Average total assets | $865,276,000 | 773 |
| Average earning assets | $796,958,330 | 769 |
| Average equity | $76,716,330 | 954 |
| Average total loans | $429,935,670 | 1,020 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1150% | 3,224 |
| Cost of funding earning assets | 0.1768% | 6,191 |
| Net interest margin | 3.9381% | 1,959 |
| Noninterest income to average assets | 0.7537% | 1,946 |
| Noninterest expense to average assets | 3.1809% | 2,291 |
| Loan and lease loss provision to assets | 0.0129% | 3,658 |
| Net operating income to assets | 1.1880% | 1,516 |
| Return on assets (ROA) | 1.1880% | 1,585 |
| Pretax return on assets | 1.1880% | 2,537 |
| Return on Equity (ROE) | 13.5592% | 1,021 |
| Retained earnings to average equity (ytd only) | 4.9517% | 3,141 |
| Net charge-offs to loans | -0.0736% | 5,980 |
| Credit loss provision to net charge-offs | -35.8974% | 4,720 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5932% | 3,380 |
| Assets per employee ($millions) | 3.6972% | 4,526 |
| Cash dividends to net income (ytd only)* | 63.4810% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9982% | 1,521 |
| Loan loss allowance to noncurrent loans | 122.4607% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 0.9355% | 3,386 |
| Noncurrent loans to loans | 1.6317% | 2,383 |
| Net loans and leases to total assets | 47.1786% | 5,215 |
| Net loans and leases to deposits | 54.5899% | 5,228 |
| Net loans and leases to core deposits | 55.8301% | 5,367 |
| Total domestic deposits to total assets | 86.4235% | 3,148 |
| Equity capital to assets | 8.6661% | 5,477 |
| Core capital (leverage) ratio | 8.7436% | 5,331 |
| Tier 1 risk-based capital ratio | 15.9439% | 3,193 |
| Total risk-based capital ratio | 17.2005% | 3,145 |
| Memoranda: | ||
| Average total assets | $866,660,500 | 786 |
| Average earning assets | $798,454,000 | 774 |
| Average equity | $75,933,500 | 962 |
| Average total loans | $423,755,500 | 1,039 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1547% | 3,522 |
| Cost of funding earning assets | 0.2129% | 6,214 |
| Net interest margin | 3.9417% | 2,131 |
| Noninterest income to average assets | 0.8903% | 1,715 |
| Noninterest expense to average assets | 3.0905% | 2,765 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3851% | 1,058 |
| Return on assets (ROA) | 1.3852% | 1,094 |
| Pretax return on assets | 1.3852% | 1,842 |
| Return on Equity (ROE) | 15.5919% | 675 |
| Retained earnings to average equity (ytd only) | 5.4779% | 2,286 |
| Net charge-offs to loans | 0.0927% | 3,920 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 30.7394% | 1,159 |
| Efficiency ratio | 69.0516% | 4,005 |
| Assets per employee ($millions) | 3.6004% | 4,679 |
| Cash dividends to net income (ytd only)* | 64.8672% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9885% | 1,585 |
| Loan loss allowance to noncurrent loans | 172.5385% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.8012% | 3,878 |
| Noncurrent loans to loans | 1.1525% | 3,231 |
| Net loans and leases to total assets | 48.6922% | 5,220 |
| Net loans and leases to deposits | 56.1867% | 5,286 |
| Net loans and leases to core deposits | 57.5181% | 5,425 |
| Total domestic deposits to total assets | 86.6614% | 2,898 |
| Equity capital to assets | 8.8609% | 5,190 |
| Core capital (leverage) ratio | 8.8434% | 5,222 |
| Tier 1 risk-based capital ratio | 15.6870% | 3,259 |
| Total risk-based capital ratio | 16.9433% | 3,217 |
| Memoranda: | ||
| Average total assets | $834,435,000 | 796 |
| Average earning assets | $758,978,000 | 787 |
| Average equity | $74,134,800 | 964 |
| Average total loans | $405,565,000 | 1,051 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1918% | 3,419 |
| Cost of funding earning assets | 0.2189% | 6,297 |
| Net interest margin | 3.9728% | 2,034 |
| Noninterest income to average assets | 0.9082% | 1,730 |
| Noninterest expense to average assets | 3.1513% | 2,501 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3631% | 1,197 |
| Return on assets (ROA) | 1.3631% | 1,242 |
| Pretax return on assets | 1.3631% | 2,065 |
| Return on Equity (ROE) | 15.3325% | 745 |
| Retained earnings to average equity (ytd only) | 2.1305% | 5,037 |
| Net charge-offs to loans | 0.0624% | 4,013 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 45.1703% | 928 |
| Efficiency ratio | 69.8051% | 3,783 |
| Assets per employee ($millions) | 3.3532% | 5,177 |
| Cash dividends to net income (ytd only)* | 86.1046% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2030% | 1,319 |
| Loan loss allowance to noncurrent loans | 140.5503% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 1.0227% | 3,598 |
| Noncurrent loans to loans | 1.5674% | 2,811 |
| Net loans and leases to total assets | 46.3738% | 5,507 |
| Net loans and leases to deposits | 53.6522% | 5,568 |
| Net loans and leases to core deposits | 55.0922% | 5,689 |
| Total domestic deposits to total assets | 86.4341% | 3,002 |
| Equity capital to assets | 8.7569% | 5,459 |
| Core capital (leverage) ratio | 8.6977% | 5,541 |
| Tier 1 risk-based capital ratio | 16.0292% | 3,176 |
| Total risk-based capital ratio | 17.2875% | 3,132 |
| Memoranda: | ||
| Average total assets | $830,619,500 | 800 |
| Average earning assets | $753,967,250 | 806 |
| Average equity | $73,845,750 | 978 |
| Average total loans | $401,423,750 | 1,068 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1695% | 3,478 |
| Cost of funding earning assets | 0.2234% | 6,348 |
| Net interest margin | 3.9461% | 2,061 |
| Noninterest income to average assets | 0.9169% | 1,756 |
| Noninterest expense to average assets | 3.1258% | 2,588 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3675% | 1,147 |
| Return on assets (ROA) | 1.3675% | 1,230 |
| Pretax return on assets | 1.3675% | 2,046 |
| Return on Equity (ROE) | 15.3061% | 759 |
| Retained earnings to average equity (ytd only) | 0.1987% | 5,795 |
| Net charge-offs to loans | 0.0967% | 3,392 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 29.0816% | 1,172 |
| Efficiency ratio | 69.5659% | 3,913 |
| Assets per employee ($millions) | 3.4490% | 4,961 |
| Cash dividends to net income (ytd only)* | 98.7018% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1170% | 1,596 |
| Loan loss allowance to noncurrent loans | 116.3997% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 1.2244% | 3,305 |
| Noncurrent loans to loans | 1.8187% | 2,610 |
| Net loans and leases to total assets | 47.4965% | 5,373 |
| Net loans and leases to deposits | 54.8709% | 5,448 |
| Net loans and leases to core deposits | 56.5721% | 5,557 |
| Total domestic deposits to total assets | 86.5604% | 3,089 |
| Equity capital to assets | 8.5436% | 5,726 |
| Core capital (leverage) ratio | 8.5884% | 5,569 |
| Tier 1 risk-based capital ratio | 15.3047% | 3,596 |
| Total risk-based capital ratio | 16.5621% | 3,543 |
| Memoranda: | ||
| Average total assets | $833,644,000 | 797 |
| Average earning assets | $755,539,330 | 801 |
| Average equity | $74,480,330 | 975 |
| Average total loans | $405,377,000 | 1,047 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1656% | 3,443 |
| Cost of funding earning assets | 0.2245% | 6,448 |
| Net interest margin | 3.9412% | 1,973 |
| Noninterest income to average assets | 0.9132% | 1,716 |
| Noninterest expense to average assets | 3.1294% | 2,580 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3496% | 1,155 |
| Return on assets (ROA) | 1.3496% | 1,251 |
| Pretax return on assets | 1.3496% | 2,046 |
| Return on Equity (ROE) | 14.7820% | 808 |
| Retained earnings to average equity (ytd only) | 1.9562% | 5,023 |
| Net charge-offs to loans | 0.1884% | 2,281 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 14.7173% | 1,441 |
| Efficiency ratio | 69.8682% | 4,000 |
| Assets per employee ($millions) | 3.3652% | 5,292 |
| Cash dividends to net income (ytd only)* | 86.7663% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1971% | 1,590 |
| Loan loss allowance to noncurrent loans | 96.2635% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 1.4171% | 3,145 |
| Noncurrent loans to loans | 2.2823% | 2,290 |
| Net loans and leases to total assets | 46.1317% | 5,425 |
| Net loans and leases to deposits | 53.8904% | 5,441 |
| Net loans and leases to core deposits | 56.1535% | 5,505 |
| Total domestic deposits to total assets | 85.6029% | 3,738 |
| Equity capital to assets | 9.1860% | 5,269 |
| Core capital (leverage) ratio | 8.6312% | 5,420 |
| Tier 1 risk-based capital ratio | 15.8919% | 3,326 |
| Total risk-based capital ratio | 17.1502% | 3,287 |
| Memoranda: | ||
| Average total assets | $833,135,000 | 806 |
| Average earning assets | $753,787,500 | 815 |
| Average equity | $76,065,500 | 963 |
| Average total loans | $405,561,000 | 1,047 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7681% | 2,331 |
| Cost of funding earning assets | 0.3216% | 6,349 |
| Net interest margin | 4.4466% | 1,058 |
| Noninterest income to average assets | 1.0233% | 1,470 |
| Noninterest expense to average assets | 3.2263% | 2,526 |
| Loan and lease loss provision to assets | 0.0686% | 4,891 |
| Net operating income to assets | 1.7339% | 576 |
| Return on assets (ROA) | 1.7363% | 637 |
| Pretax return on assets | 1.7363% | 1,053 |
| Return on Equity (ROE) | 18.7174% | 382 |
| Retained earnings to average equity (ytd only) | 8.7415% | 900 |
| Net charge-offs to loans | 0.0925% | 4,749 |
| Credit loss provision to net charge-offs | 140.6250% | 1,958 |
| Earnings coverage of net charge-offs (x) | 36.9323% | 858 |
| Efficiency ratio | 64.1561% | 4,853 |
| Assets per employee ($millions) | 3.5377% | 4,932 |
| Cash dividends to net income (ytd only)* | 53.2977% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0849% | 1,805 |
| Loan loss allowance to noncurrent loans | 114.8357% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 1.2179% | 3,621 |
| Noncurrent loans to loans | 1.8155% | 2,895 |
| Net loans and leases to total assets | 49.1247% | 5,290 |
| Net loans and leases to deposits | 58.2997% | 5,207 |
| Net loans and leases to core deposits | 62.1069% | 5,142 |
| Total domestic deposits to total assets | 84.2624% | 4,200 |
| Equity capital to assets | 9.0748% | 5,434 |
| Core capital (leverage) ratio | 8.6492% | 5,396 |
| Tier 1 risk-based capital ratio | 15.2509% | 3,580 |
| Total risk-based capital ratio | 16.5089% | 3,521 |
| Memoranda: | ||
| Average total assets | $786,772,000 | 845 |
| Average earning assets | $708,746,000 | 852 |
| Average equity | $72,985,600 | 967 |
| Average total loans | $415,268,600 | 1,006 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8607% | 2,152 |
| Cost of funding earning assets | 0.3442% | 6,408 |
| Net interest margin | 4.5165% | 960 |
| Noninterest income to average assets | 1.0220% | 1,452 |
| Noninterest expense to average assets | 3.2351% | 2,468 |
| Loan and lease loss provision to assets | 0.0703% | 4,789 |
| Net operating income to assets | 1.7858% | 582 |
| Return on assets (ROA) | 1.7875% | 652 |
| Pretax return on assets | 1.7875% | 1,080 |
| Return on Equity (ROE) | 19.1564% | 384 |
| Retained earnings to average equity (ytd only) | 6.0599% | 2,666 |
| Net charge-offs to loans | 0.1098% | 4,294 |
| Credit loss provision to net charge-offs | 119.6481% | 2,422 |
| Earnings coverage of net charge-offs (x) | 31.5920% | 1,058 |
| Efficiency ratio | 63.5431% | 4,881 |
| Assets per employee ($millions) | 3.2398% | 5,555 |
| Cash dividends to net income (ytd only)* | 68.3663% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1414% | 1,825 |
| Loan loss allowance to noncurrent loans | 117.4060% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 1.1627% | 3,959 |
| Noncurrent loans to loans | 1.8239% | 3,044 |
| Net loans and leases to total assets | 49.3750% | 5,387 |
| Net loans and leases to deposits | 58.4788% | 5,380 |
| Net loans and leases to core deposits | 61.8957% | 5,369 |
| Total domestic deposits to total assets | 84.4323% | 4,012 |
| Equity capital to assets | 9.2606% | 5,518 |
| Core capital (leverage) ratio | 8.4583% | 5,813 |
| Tier 1 risk-based capital ratio | 15.0073% | 3,848 |
| Total risk-based capital ratio | 16.2656% | 3,787 |
| Memoranda: | ||
| Average total assets | $773,858,750 | 863 |
| Average earning assets | $697,223,250 | 871 |
| Average equity | $72,210,750 | 982 |
| Average total loans | $413,924,750 | 1,014 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9350% | 1,978 |
| Cost of funding earning assets | 0.3668% | 6,436 |
| Net interest margin | 4.5681% | 878 |
| Noninterest income to average assets | 1.0495% | 1,320 |
| Noninterest expense to average assets | 3.2925% | 2,330 |
| Loan and lease loss provision to assets | 0.0715% | 4,736 |
| Net operating income to assets | 1.7964% | 571 |
| Return on assets (ROA) | 1.7979% | 632 |
| Pretax return on assets | 1.7979% | 1,046 |
| Return on Equity (ROE) | 19.2169% | 402 |
| Retained earnings to average equity (ytd only) | 4.1019% | 3,876 |
| Net charge-offs to loans | 0.1128% | 4,049 |
| Credit loss provision to net charge-offs | 116.1702% | 2,368 |
| Earnings coverage of net charge-offs (x) | 30.3617% | 1,059 |
| Efficiency ratio | 63.8038% | 4,927 |
| Assets per employee ($millions) | 3.3518% | 5,326 |
| Cash dividends to net income (ytd only)* | 78.6546% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0681% | 2,062 |
| Loan loss allowance to noncurrent loans | 106.3553% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 1.4043% | 3,616 |
| Noncurrent loans to loans | 1.9445% | 3,004 |
| Net loans and leases to total assets | 52.0153% | 5,095 |
| Net loans and leases to deposits | 60.9527% | 5,143 |
| Net loans and leases to core deposits | 64.5463% | 5,152 |
| Total domestic deposits to total assets | 85.3371% | 3,692 |
| Equity capital to assets | 9.1308% | 5,550 |
| Core capital (leverage) ratio | 8.5092% | 5,644 |
| Tier 1 risk-based capital ratio | 14.3507% | 4,209 |
| Total risk-based capital ratio | 15.6087% | 4,164 |
| Memoranda: | ||
| Average total assets | $763,986,000 | 871 |
| Average earning assets | $687,502,000 | 885 |
| Average equity | $71,478,670 | 985 |
| Average total loans | $416,767,000 | 1,007 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0378% | 1,765 |
| Cost of funding earning assets | 0.4063% | 6,377 |
| Net interest margin | 4.6315% | 773 |
| Noninterest income to average assets | 0.9376% | 1,605 |
| Noninterest expense to average assets | 3.2462% | 2,451 |
| Loan and lease loss provision to assets | 0.0745% | 4,469 |
| Net operating income to assets | 1.7699% | 634 |
| Return on assets (ROA) | 1.7709% | 716 |
| Pretax return on assets | 1.7709% | 1,147 |
| Return on Equity (ROE) | 18.6926% | 479 |
| Retained earnings to average equity (ytd only) | 6.2758% | 2,808 |
| Net charge-offs to loans | 0.1135% | 3,440 |
| Credit loss provision to net charge-offs | 118.6441% | 2,001 |
| Earnings coverage of net charge-offs (x) | 29.3898% | 933 |
| Efficiency ratio | 63.7693% | 4,964 |
| Assets per employee ($millions) | 3.3567% | 5,441 |
| Cash dividends to net income (ytd only)* | 66.4264% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0644% | 2,186 |
| Loan loss allowance to noncurrent loans | 88.8203% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 1.7526% | 3,236 |
| Noncurrent loans to loans | 2.3243% | 2,785 |
| Net loans and leases to total assets | 53.0662% | 4,872 |
| Net loans and leases to deposits | 62.7877% | 4,797 |
| Net loans and leases to core deposits | 65.6210% | 4,960 |
| Total domestic deposits to total assets | 84.5170% | 4,264 |
| Equity capital to assets | 9.2581% | 5,145 |
| Core capital (leverage) ratio | 8.4802% | 5,631 |
| Tier 1 risk-based capital ratio | 14.3628% | 4,199 |
| Total risk-based capital ratio | 15.6209% | 4,169 |
| Memoranda: | ||
| Average total assets | $752,147,000 | 889 |
| Average earning assets | $674,422,500 | 902 |
| Average equity | $71,258,000 | 980 |
| Average total loans | $415,971,500 | 1,007 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4132% | 1,383 |
| Cost of funding earning assets | 0.5136% | 6,477 |
| Net interest margin | 4.8997% | 510 |
| Noninterest income to average assets | 1.0353% | 1,270 |
| Noninterest expense to average assets | 3.5004% | 1,981 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.8748% | 400 |
| Return on assets (ROA) | 1.8753% | 437 |
| Pretax return on assets | 1.8753% | 699 |
| Return on Equity (ROE) | 20.2980% | 253 |
| Retained earnings to average equity (ytd only) | 9.4146% | 692 |
| Net charge-offs to loans | 0.1677% | 4,810 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 18.8700% | 1,192 |
| Efficiency ratio | 65.1211% | 4,932 |
| Assets per employee ($millions) | 3.2401% | 5,631 |
| Cash dividends to net income (ytd only)* | 53.6179% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0802% | 2,066 |
| Loan loss allowance to noncurrent loans | 80.6297% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 2.2806% | 2,648 |
| Noncurrent loans to loans | 2.5799% | 2,543 |
| Net loans and leases to total assets | 55.3101% | 4,833 |
| Net loans and leases to deposits | 66.8673% | 4,610 |
| Net loans and leases to core deposits | 70.1546% | 4,759 |
| Total domestic deposits to total assets | 82.7163% | 4,872 |
| Equity capital to assets | 9.7015% | 4,589 |
| Core capital (leverage) ratio | 8.5073% | 5,546 |
| Tier 1 risk-based capital ratio | 14.3740% | 4,059 |
| Total risk-based capital ratio | 15.6324% | 4,025 |
| Memoranda: | ||
| Average total assets | $704,539,000 | 926 |
| Average earning assets | $624,061,800 | 949 |
| Average equity | $65,090,200 | 1,039 |
| Average total loans | $417,344,000 | 1,008 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5145% | 1,212 |
| Cost of funding earning assets | 0.5484% | 6,520 |
| Net interest margin | 4.9661% | 444 |
| Noninterest income to average assets | 0.9937% | 1,356 |
| Noninterest expense to average assets | 3.5597% | 1,794 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.8250% | 496 |
| Return on assets (ROA) | 1.8250% | 538 |
| Pretax return on assets | 1.8250% | 910 |
| Return on Equity (ROE) | 20.0175% | 316 |
| Retained earnings to average equity (ytd only) | 5.5594% | 2,816 |
| Net charge-offs to loans | 0.1728% | 4,420 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 17.6180% | 1,342 |
| Efficiency ratio | 66.1070% | 4,698 |
| Assets per employee ($millions) | 3.2836% | 5,507 |
| Cash dividends to net income (ytd only)* | 72.2275% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0737% | 2,133 |
| Loan loss allowance to noncurrent loans | 68.4317% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 2.5269% | 2,551 |
| Noncurrent loans to loans | 3.0304% | 2,284 |
| Net loans and leases to total assets | 55.5108% | 4,915 |
| Net loans and leases to deposits | 66.9747% | 4,759 |
| Net loans and leases to core deposits | 70.1787% | 4,933 |
| Total domestic deposits to total assets | 82.8832% | 4,727 |
| Equity capital to assets | 9.0445% | 5,699 |
| Core capital (leverage) ratio | 8.2387% | 6,075 |
| Tier 1 risk-based capital ratio | 13.5764% | 4,679 |
| Total risk-based capital ratio | 14.8351% | 4,640 |
| Memoranda: | ||
| Average total assets | $697,610,000 | 938 |
| Average earning assets | $616,829,250 | 967 |
| Average equity | $63,602,750 | 1,067 |
| Average total loans | $418,276,250 | 1,005 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6822% | 903 |
| Cost of funding earning assets | 0.5912% | 6,506 |
| Net interest margin | 5.0910% | 339 |
| Noninterest income to average assets | 0.9820% | 1,371 |
| Noninterest expense to average assets | 3.5447% | 1,871 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.9164% | 395 |
| Return on assets (ROA) | 1.9164% | 422 |
| Pretax return on assets | 1.9164% | 681 |
| Return on Equity (ROE) | 20.9587% | 270 |
| Retained earnings to average equity (ytd only) | 4.2386% | 3,499 |
| Net charge-offs to loans | 0.2034% | 3,931 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 15.4057% | 1,408 |
| Efficiency ratio | 64.9081% | 5,077 |
| Assets per employee ($millions) | 3.1310% | 5,802 |
| Cash dividends to net income (ytd only)* | 79.7765% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1102% | 2,106 |
| Loan loss allowance to noncurrent loans | 66.0911% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 2.7540% | 2,430 |
| Noncurrent loans to loans | 3.1929% | 2,245 |
| Net loans and leases to total assets | 56.4655% | 4,907 |
| Net loans and leases to deposits | 65.9757% | 5,002 |
| Net loans and leases to core deposits | 69.0950% | 5,174 |
| Total domestic deposits to total assets | 85.5853% | 3,570 |
| Equity capital to assets | 8.7385% | 5,886 |
| Core capital (leverage) ratio | 7.7776% | 6,528 |
| Tier 1 risk-based capital ratio | 13.2311% | 4,744 |
| Total risk-based capital ratio | 14.4900% | 4,714 |
| Memoranda: | ||
| Average total assets | $681,691,000 | 972 |
| Average earning assets | $599,765,330 | 994 |
| Average equity | $62,332,000 | 1,082 |
| Average total loans | $416,861,330 | 1,027 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7134% | 857 |
| Cost of funding earning assets | 0.6257% | 6,498 |
| Net interest margin | 5.0877% | 313 |
| Noninterest income to average assets | 1.0745% | 1,137 |
| Noninterest expense to average assets | 3.5021% | 1,996 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.0226% | 341 |
| Return on assets (ROA) | 2.0226% | 358 |
| Pretax return on assets | 2.0226% | 540 |
| Return on Equity (ROE) | 21.5892% | 264 |
| Retained earnings to average equity (ytd only) | 8.4513% | 1,570 |
| Net charge-offs to loans | 0.1167% | 3,838 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 27.4876% | 900 |
| Efficiency ratio | 63.3902% | 5,460 |
| Assets per employee ($millions) | 3.1114% | 5,925 |
| Cash dividends to net income (ytd only)* | 60.8539% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1719% | 2,025 |
| Loan loss allowance to noncurrent loans | 60.7502% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 2.8900% | 2,389 |
| Noncurrent loans to loans | 3.5751% | 2,080 |
| Net loans and leases to total assets | 59.8834% | 4,289 |
| Net loans and leases to deposits | 70.6892% | 4,238 |
| Net loans and leases to core deposits | 73.8745% | 4,545 |
| Total domestic deposits to total assets | 84.7137% | 4,169 |
| Equity capital to assets | 9.1048% | 5,040 |
| Core capital (leverage) ratio | 8.7753% | 4,962 |
| Tier 1 risk-based capital ratio | 13.2464% | 4,623 |
| Total risk-based capital ratio | 14.5063% | 4,593 |
| Memoranda: | ||
| Average total assets | $657,776,500 | 1,009 |
| Average earning assets | $575,351,000 | 1,053 |
| Average equity | $61,623,500 | 1,089 |
| Average total loans | $414,888,500 | 1,047 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6996% | 1,569 |
| Cost of funding earning assets | 0.7766% | 6,656 |
| Net interest margin | 4.9230% | 511 |
| Noninterest income to average assets | 1.4923% | 654 |
| Noninterest expense to average assets | 3.6247% | 1,866 |
| Loan and lease loss provision to assets | 0.2140% | 5,112 |
| Net operating income to assets | 2.0210% | 273 |
| Return on assets (ROA) | 2.0262% | 282 |
| Pretax return on assets | 2.0262% | 456 |
| Return on Equity (ROE) | 23.1394% | 137 |
| Retained earnings to average equity (ytd only) | 8.9779% | 706 |
| Net charge-offs to loans | -0.0415% | 7,428 |
| Credit loss provision to net charge-offs | -804.6784% | 7,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8576% | 5,749 |
| Assets per employee ($millions) | 2.9062% | 6,311 |
| Cash dividends to net income (ytd only)* | 61.2007% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2862% | 1,716 |
| Loan loss allowance to noncurrent loans | 57.7888% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 3.6898% | 1,860 |
| Noncurrent loans to loans | 3.9561% | 1,843 |
| Net loans and leases to total assets | 63.6432% | 3,943 |
| Net loans and leases to deposits | 75.2656% | 3,964 |
| Net loans and leases to core deposits | 79.1124% | 4,331 |
| Total domestic deposits to total assets | 84.5581% | 4,076 |
| Equity capital to assets | 9.6599% | 4,200 |
| Core capital (leverage) ratio | 7.9272% | 6,293 |
| Tier 1 risk-based capital ratio | 13.4516% | 4,249 |
| Total risk-based capital ratio | 14.7127% | 4,206 |
| Memoranda: | ||
| Average total assets | $642,891,400 | 1,041 |
| Average earning assets | $570,341,200 | 1,057 |
| Average equity | $56,293,600 | 1,177 |
| Average total loans | $412,438,000 | 1,091 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3917% | 2,924 |
| Cost of funding earning assets | 0.7878% | 6,802 |
| Net interest margin | 4.6039% | 1,035 |
| Noninterest income to average assets | 1.5331% | 588 |
| Noninterest expense to average assets | 3.6879% | 1,591 |
| Loan and lease loss provision to assets | 0.1139% | 5,896 |
| Net operating income to assets | 1.8414% | 457 |
| Return on assets (ROA) | 1.8481% | 500 |
| Pretax return on assets | 1.8481% | 849 |
| Return on Equity (ROE) | 21.6454% | 215 |
| Retained earnings to average equity (ytd only) | 2.8679% | 4,413 |
| Net charge-offs to loans | 0.0458% | 6,078 |
| Credit loss provision to net charge-offs | 389.4366% | 789 |
| Earnings coverage of net charge-offs (x) | 66.8587% | 451 |
| Efficiency ratio | 65.3516% | 4,989 |
| Assets per employee ($millions) | 3.0960% | 5,925 |
| Cash dividends to net income (ytd only)* | 86.7506% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9353% | 2,389 |
| Loan loss allowance to noncurrent loans | 46.1678% | 5,202 |
| Noncurrent assets plus other real estate owned to assets | 3.4526% | 2,061 |
| Noncurrent loans to loans | 4.1919% | 1,747 |
| Net loans and leases to total assets | 59.4137% | 5,019 |
| Net loans and leases to deposits | 69.9449% | 5,152 |
| Net loans and leases to core deposits | 73.0531% | 5,397 |
| Total domestic deposits to total assets | 84.9435% | 3,644 |
| Equity capital to assets | 8.4112% | 6,378 |
| Core capital (leverage) ratio | 7.7771% | 6,593 |
| Tier 1 risk-based capital ratio | 12.3265% | 5,148 |
| Total risk-based capital ratio | 13.5840% | 5,114 |
| Memoranda: | ||
| Average total assets | $647,406,250 | 1,041 |
| Average earning assets | $577,960,500 | 1,050 |
| Average equity | $55,277,500 | 1,209 |
| Average total loans | $413,805,750 | 1,094 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3515% | 3,209 |
| Cost of funding earning assets | 0.7816% | 6,971 |
| Net interest margin | 4.5699% | 1,061 |
| Noninterest income to average assets | 1.7382% | 437 |
| Noninterest expense to average assets | 3.7816% | 1,394 |
| Loan and lease loss provision to assets | 0.1192% | 5,705 |
| Net operating income to assets | 1.9404% | 370 |
| Return on assets (ROA) | 1.9509% | 396 |
| Pretax return on assets | 1.9509% | 663 |
| Return on Equity (ROE) | 22.7238% | 187 |
| Retained earnings to average equity (ytd only) | 0.5796% | 5,531 |
| Net charge-offs to loans | 0.0662% | 5,481 |
| Credit loss provision to net charge-offs | 276.4706% | 1,349 |
| Earnings coverage of net charge-offs (x) | 47.7794% | 624 |
| Efficiency ratio | 64.7404% | 5,198 |
| Assets per employee ($millions) | 3.1989% | 5,686 |
| Cash dividends to net income (ytd only)* | 97.4492% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8992% | 2,412 |
| Loan loss allowance to noncurrent loans | 47.2552% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 3.3135% | 2,130 |
| Noncurrent loans to loans | 4.0191% | 1,885 |
| Net loans and leases to total assets | 59.5066% | 5,155 |
| Net loans and leases to deposits | 69.7106% | 5,324 |
| Net loans and leases to core deposits | 72.6336% | 5,607 |
| Total domestic deposits to total assets | 85.3623% | 3,438 |
| Equity capital to assets | 8.1571% | 6,589 |
| Core capital (leverage) ratio | 8.5270% | 5,363 |
| Tier 1 risk-based capital ratio | 12.6806% | 4,705 |
| Total risk-based capital ratio | 13.9390% | 4,674 |
| Memoranda: | ||
| Average total assets | $631,005,330 | 1,072 |
| Average earning assets | $566,531,330 | 1,082 |
| Average equity | $54,172,330 | 1,226 |
| Average total loans | $411,058,000 | 1,113 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4934% | 2,616 |
| Cost of funding earning assets | 0.8574% | 6,913 |
| Net interest margin | 4.6360% | 897 |
| Noninterest income to average assets | 1.2232% | 819 |
| Noninterest expense to average assets | 3.7295% | 1,459 |
| Loan and lease loss provision to assets | 0.1341% | 5,218 |
| Net operating income to assets | 1.5628% | 805 |
| Return on assets (ROA) | 1.5848% | 830 |
| Pretax return on assets | 1.5848% | 1,303 |
| Return on Equity (ROE) | 17.9425% | 519 |
| Retained earnings to average equity (ytd only) | -3.8907% | 6,485 |
| Net charge-offs to loans | 0.0581% | 4,831 |
| Credit loss provision to net charge-offs | 340.6780% | 1,181 |
| Earnings coverage of net charge-offs (x) | 43.1017% | 641 |
| Efficiency ratio | 68.7285% | 4,566 |
| Assets per employee ($millions) | 3.0170% | 6,175 |
| Cash dividends to net income (ytd only)* | 121.6842% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9680% | 2,269 |
| Loan loss allowance to noncurrent loans | 85.9147% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 1.8039% | 3,780 |
| Noncurrent loans to loans | 2.2906% | 3,400 |
| Net loans and leases to total assets | 63.3103% | 4,468 |
| Net loans and leases to deposits | 74.5574% | 4,663 |
| Net loans and leases to core deposits | 78.1181% | 5,009 |
| Total domestic deposits to total assets | 84.9149% | 3,718 |
| Equity capital to assets | 8.9138% | 5,397 |
| Core capital (leverage) ratio | 8.6538% | 5,105 |
| Tier 1 risk-based capital ratio | 12.5885% | 4,650 |
| Total risk-based capital ratio | 13.8465% | 4,609 |
| Memoranda: | ||
| Average total assets | $599,430,500 | 1,154 |
| Average earning assets | $543,489,500 | 1,159 |
| Average equity | $52,947,000 | 1,267 |
| Average total loans | $406,054,500 | 1,161 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9149% | 2,174 |
| Cost of funding earning assets | 0.9093% | 7,390 |
| Net interest margin | 5.0056% | 447 |
| Noninterest income to average assets | 1.4571% | 679 |
| Noninterest expense to average assets | 3.7368% | 1,830 |
| Loan and lease loss provision to assets | 0.4132% | 4,331 |
| Net operating income to assets | 1.8866% | 298 |
| Return on assets (ROA) | 2.1712% | 172 |
| Pretax return on assets | 2.1712% | 293 |
| Return on Equity (ROE) | 26.7697% | 75 |
| Retained earnings to average equity (ytd only) | 10.1054% | 364 |
| Net charge-offs to loans | 0.4259% | 4,088 |
| Credit loss provision to net charge-offs | 139.5561% | 3,500 |
| Earnings coverage of net charge-offs (x) | 7.7678% | 2,074 |
| Efficiency ratio | 61.9026% | 6,172 |
| Assets per employee ($millions) | 2.9013% | 6,453 |
| Cash dividends to net income (ytd only)* | 62.2507% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8886% | 2,293 |
| Loan loss allowance to noncurrent loans | 77.8112% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 2.0859% | 3,290 |
| Noncurrent loans to loans | 2.4271% | 3,127 |
| Net loans and leases to total assets | 69.7968% | 3,306 |
| Net loans and leases to deposits | 82.9614% | 3,460 |
| Net loans and leases to core deposits | 93.2026% | 4,757 |
| Total domestic deposits to total assets | 84.1316% | 3,972 |
| Equity capital to assets | 8.7458% | 5,521 |
| Core capital (leverage) ratio | 8.1233% | 5,953 |
| Tier 1 risk-based capital ratio | 11.3247% | 5,590 |
| Total risk-based capital ratio | 12.5818% | 5,529 |
| Memoranda: | ||
| Average total assets | $593,449,600 | 1,165 |
| Average earning assets | $542,935,200 | 1,159 |
| Average equity | $48,132,800 | 1,399 |
| Average total loans | $412,584,400 | 1,171 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8777% | 2,546 |
| Cost of funding earning assets | 0.9046% | 7,553 |
| Net interest margin | 4.9732% | 470 |
| Noninterest income to average assets | 1.4507% | 705 |
| Noninterest expense to average assets | 3.7249% | 1,763 |
| Loan and lease loss provision to assets | 0.1261% | 6,091 |
| Net operating income to assets | 2.1662% | 196 |
| Return on assets (ROA) | 2.1860% | 209 |
| Pretax return on assets | 2.1860% | 366 |
| Return on Equity (ROE) | 27.4724% | 84 |
| Retained earnings to average equity (ytd only) | 5.2836% | 2,324 |
| Net charge-offs to loans | 0.2573% | 4,445 |
| Credit loss provision to net charge-offs | 70.8908% | 5,967 |
| Earnings coverage of net charge-offs (x) | 12.8883% | 1,720 |
| Efficiency ratio | 61.9048% | 6,132 |
| Assets per employee ($millions) | 2.9100% | 6,380 |
| Cash dividends to net income (ytd only)* | 80.7676% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6647% | 2,748 |
| Loan loss allowance to noncurrent loans | 56.2742% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 2.4450% | 2,816 |
| Noncurrent loans to loans | 2.9583% | 2,559 |
| Net loans and leases to total assets | 67.9621% | 3,972 |
| Net loans and leases to deposits | 81.8689% | 4,053 |
| Net loans and leases to core deposits | 92.2379% | 5,213 |
| Total domestic deposits to total assets | 83.0134% | 4,213 |
| Equity capital to assets | 8.3557% | 6,435 |
| Core capital (leverage) ratio | 7.6362% | 6,816 |
| Tier 1 risk-based capital ratio | 10.3736% | 6,601 |
| Total risk-based capital ratio | 11.6276% | 6,532 |
| Memoranda: | ||
| Average total assets | $597,471,500 | 1,169 |
| Average earning assets | $548,611,500 | 1,160 |
| Average equity | $47,542,250 | 1,440 |
| Average total loans | $413,046,250 | 1,184 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8597% | 2,763 |
| Cost of funding earning assets | 0.8990% | 7,697 |
| Net interest margin | 4.9607% | 474 |
| Noninterest income to average assets | 1.4627% | 693 |
| Noninterest expense to average assets | 3.6680% | 1,901 |
| Loan and lease loss provision to assets | 0.1236% | 5,873 |
| Net operating income to assets | 2.2310% | 183 |
| Return on assets (ROA) | 2.2423% | 200 |
| Pretax return on assets | 2.2423% | 328 |
| Return on Equity (ROE) | 28.6539% | 83 |
| Retained earnings to average equity (ytd only) | 2.3903% | 4,002 |
| Net charge-offs to loans | 0.2933% | 3,723 |
| Credit loss provision to net charge-offs | 60.9555% | 5,576 |
| Earnings coverage of net charge-offs (x) | 11.6129% | 1,888 |
| Efficiency ratio | 60.9040% | 6,413 |
| Assets per employee ($millions) | 2.9988% | 6,132 |
| Cash dividends to net income (ytd only)* | 91.6580% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6348% | 2,596 |
| Loan loss allowance to noncurrent loans | 50.5144% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 2.6624% | 2,411 |
| Noncurrent loans to loans | 3.2364% | 2,198 |
| Net loans and leases to total assets | 68.8137% | 3,992 |
| Net loans and leases to deposits | 83.3573% | 3,987 |
| Net loans and leases to core deposits | 93.6473% | 5,158 |
| Total domestic deposits to total assets | 82.5527% | 4,449 |
| Equity capital to assets | 7.8039% | 6,973 |
| Core capital (leverage) ratio | 7.2678% | 7,281 |
| Tier 1 risk-based capital ratio | 9.8668% | 7,073 |
| Total risk-based capital ratio | 11.1202% | 7,001 |
| Memoranda: | ||
| Average total assets | $598,751,670 | 1,185 |
| Average earning assets | $550,371,000 | 1,177 |
| Average equity | $46,855,670 | 1,472 |
| Average total loans | $413,970,330 | 1,214 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9137% | 2,733 |
| Cost of funding earning assets | 0.8876% | 7,827 |
| Net interest margin | 5.0261% | 377 |
| Noninterest income to average assets | 1.4659% | 653 |
| Noninterest expense to average assets | 3.5455% | 1,987 |
| Loan and lease loss provision to assets | 0.1187% | 5,447 |
| Net operating income to assets | 2.4283% | 150 |
| Return on assets (ROA) | 2.4510% | 177 |
| Pretax return on assets | 2.4510% | 280 |
| Return on Equity (ROE) | 31.2776% | 89 |
| Retained earnings to average equity (ytd only) | 7.9237% | 1,843 |
| Net charge-offs to loans | 0.0446% | 4,852 |
| Credit loss provision to net charge-offs | 386.9565% | 1,334 |
| Earnings coverage of net charge-offs (x) | 83.0217% | 506 |
| Efficiency ratio | 58.1938% | 6,673 |
| Assets per employee ($millions) | 3.0892% | 5,920 |
| Cash dividends to net income (ytd only)* | 74.6667% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7599% | 1,961 |
| Loan loss allowance to noncurrent loans | 88.4871% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 1.3292% | 4,006 |
| Noncurrent loans to loans | 1.9888% | 3,275 |
| Net loans and leases to total assets | 65.6547% | 4,658 |
| Net loans and leases to deposits | 80.1650% | 4,583 |
| Net loans and leases to core deposits | 89.4412% | 5,611 |
| Total domestic deposits to total assets | 81.8995% | 4,589 |
| Equity capital to assets | 7.8149% | 7,043 |
| Core capital (leverage) ratio | 7.0946% | 7,566 |
| Tier 1 risk-based capital ratio | 9.3134% | 7,573 |
| Total risk-based capital ratio | 10.5665% | 7,549 |
| Memoranda: | ||
| Average total assets | $599,751,000 | 1,192 |
| Average earning assets | $552,078,000 | 1,176 |
| Average equity | $46,998,500 | 1,469 |
| Average total loans | $412,219,000 | 1,226 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6983% | 2,030 |
| Cost of funding earning assets | 1.4740% | 7,649 |
| Net interest margin | 5.2244% | 320 |
| Noninterest income to average assets | 1.2419% | 964 |
| Noninterest expense to average assets | 3.4367% | 2,564 |
| Loan and lease loss provision to assets | 0.2877% | 4,083 |
| Net operating income to assets | 2.2619% | 210 |
| Return on assets (ROA) | 2.2712% | 203 |
| Pretax return on assets | 2.2712% | 336 |
| Return on Equity (ROE) | 30.6015% | 52 |
| Retained earnings to average equity (ytd only) | 11.2318% | 296 |
| Net charge-offs to loans | 0.0605% | 5,913 |
| Credit loss provision to net charge-offs | 677.7778% | 626 |
| Earnings coverage of net charge-offs (x) | 60.0726% | 666 |
| Efficiency ratio | 57.4095% | 6,797 |
| Assets per employee ($millions) | 2.9245% | 6,236 |
| Cash dividends to net income (ytd only)* | 63.2966% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6990% | 1,912 |
| Loan loss allowance to noncurrent loans | 87.8795% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.3754% | 3,439 |
| Noncurrent loans to loans | 1.9333% | 2,857 |
| Net loans and leases to total assets | 69.5082% | 4,137 |
| Net loans and leases to deposits | 84.7419% | 4,303 |
| Net loans and leases to core deposits | 93.8876% | 5,455 |
| Total domestic deposits to total assets | 82.0235% | 4,191 |
| Equity capital to assets | 7.8587% | 7,032 |
| Core capital (leverage) ratio | 7.2898% | 7,430 |
| Tier 1 risk-based capital ratio | 9.3559% | 7,454 |
| Total risk-based capital ratio | 10.6090% | 7,379 |
| Memoranda: | ||
| Average total assets | $551,339,200 | 1,232 |
| Average earning assets | $500,692,200 | 1,233 |
| Average equity | $40,919,600 | 1,636 |
| Average total loans | $386,903,800 | 1,253 |