Home > First Bank > Performance and Condition Ratios
First 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 | 4.3278% | 3,396 |
| Cost of funding earning assets | 1.6505% | 1,569 |
| Net interest margin | 2.6774% | 3,851 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 1.8059% | 3,999 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.8417% | 2,737 |
| Return on assets (ROA) | 0.8355% | 2,739 |
| Pretax return on assets | 1.0724% | 2,488 |
| Return on Equity (ROE) | 8.3900% | 2,918 |
| Retained earnings to average equity (ytd only) | 6.5914% | 2,025 |
| Net charge-offs to loans | -0.0031% | 3,744 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.4055% | 3,031 |
| Assets per employee ($millions) | 8.7728% | 1,077 |
| Cash dividends to net income (ytd only)* | 21.4519% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1379% | 2,613 |
| Loan loss allowance to noncurrent loans | 853.5256% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.2076% | 2,185 |
| Noncurrent loans to loans | 0.1333% | 2,840 |
| Net loans and leases to total assets | 65.1200% | 2,355 |
| Net loans and leases to deposits | 77.9206% | 2,274 |
| Net loans and leases to core deposits | 84.3737% | 2,429 |
| Total domestic deposits to total assets | 83.5700% | 2,736 |
| Equity capital to assets | 10.4269% | 1,766 |
| Core capital (leverage) ratio | 10.8278% | 2,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8844% | 944 |
| Memoranda: | ||
| Average total assets | $697,422,200 | 1,317 |
| Average earning assets | $655,571,800 | 1,298 |
| Average equity | $69,438,800 | 1,255 |
| Average total loans | $453,538,800 | 1,336 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2377% | 3,406 |
| Cost of funding earning assets | 1.5567% | 1,467 |
| Net interest margin | 2.6809% | 3,902 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 1.8158% | 3,947 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.8168% | 2,975 |
| Return on assets (ROA) | 0.8025% | 3,015 |
| Pretax return on assets | 1.0269% | 2,776 |
| Return on Equity (ROE) | 8.1600% | 3,140 |
| Retained earnings to average equity (ytd only) | 6.6943% | 2,399 |
| Net charge-offs to loans | -0.0074% | 3,847 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.0901% | 2,833 |
| Assets per employee ($millions) | 8.5413% | 1,107 |
| Cash dividends to net income (ytd only)* | 17.9512% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1464% | 2,639 |
| Loan loss allowance to noncurrent loans | 800.7508% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.2594% | 1,975 |
| Noncurrent loans to loans | 0.1432% | 2,834 |
| Net loans and leases to total assets | 65.6600% | 2,273 |
| Net loans and leases to deposits | 78.3847% | 2,210 |
| Net loans and leases to core deposits | 86.1803% | 2,177 |
| Total domestic deposits to total assets | 83.7600% | 2,843 |
| Equity capital to assets | 9.7521% | 1,957 |
| Core capital (leverage) ratio | 10.8036% | 2,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7567% | 983 |
| Memoranda: | ||
| Average total assets | $694,128,500 | 1,315 |
| Average earning assets | $652,543,000 | 1,299 |
| Average equity | $68,275,250 | 1,264 |
| Average total loans | $449,909,750 | 1,345 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1134% | 3,464 |
| Cost of funding earning assets | 1.4173% | 1,401 |
| Net interest margin | 2.6961% | 3,975 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 1.7664% | 4,060 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.8703% | 2,852 |
| Return on assets (ROA) | 0.8459% | 2,947 |
| Pretax return on assets | 1.0800% | 2,695 |
| Return on Equity (ROE) | 8.5800% | 3,093 |
| Retained earnings to average equity (ytd only) | 7.1104% | 2,248 |
| Net charge-offs to loans | -0.0085% | 3,863 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.9015% | 3,086 |
| Assets per employee ($millions) | 8.3567% | 1,160 |
| Cash dividends to net income (ytd only)* | 17.0823% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1611% | 2,650 |
| Loan loss allowance to noncurrent loans | 1,088.0658% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.2360% | 2,011 |
| Noncurrent loans to loans | 0.1067% | 2,947 |
| Net loans and leases to total assets | 64.9000% | 2,288 |
| Net loans and leases to deposits | 77.5053% | 2,180 |
| Net loans and leases to core deposits | 83.2385% | 2,254 |
| Total domestic deposits to total assets | 83.7300% | 2,885 |
| Equity capital to assets | 10.0048% | 1,858 |
| Core capital (leverage) ratio | 10.7756% | 2,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8358% | 982 |
| Memoranda: | ||
| Average total assets | $692,041,333 | 1,312 |
| Average earning assets | $651,386,333 | 1,295 |
| Average equity | $68,266,000 | 1,261 |
| Average total loans | $444,816,333 | 1,331 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9508% | 3,546 |
| Cost of funding earning assets | 1.2430% | 1,354 |
| Net interest margin | 2.7077% | 4,065 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 1.7990% | 4,029 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.8523% | 3,012 |
| Return on assets (ROA) | 0.7956% | 3,156 |
| Pretax return on assets | 1.0115% | 2,955 |
| Return on Equity (ROE) | 8.1200% | 3,259 |
| Retained earnings to average equity (ytd only) | 6.6468% | 2,603 |
| Net charge-offs to loans | 0.0082% | 1,642 |
| Credit loss provision to net charge-offs | 833.3333% | 402 |
| Earnings coverage of net charge-offs (x) | 216.3333% | 484 |
| Efficiency ratio | 59.9090% | 2,968 |
| Assets per employee ($millions) | 8.4547% | 1,144 |
| Cash dividends to net income (ytd only)* | 18.1818% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 2,713 |
| Loan loss allowance to noncurrent loans | 1,416.9399% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.2374% | 1,927 |
| Noncurrent loans to loans | 0.0826% | 3,151 |
| Net loans and leases to total assets | 63.1700% | 2,339 |
| Net loans and leases to deposits | 74.2873% | 2,278 |
| Net loans and leases to core deposits | 79.6166% | 2,282 |
| Total domestic deposits to total assets | 85.0400% | 2,850 |
| Equity capital to assets | 9.9992% | 1,825 |
| Core capital (leverage) ratio | 10.7239% | 2,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9036% | 1,005 |
| Memoranda: | ||
| Average total assets | $691,259,500 | 1,326 |
| Average earning assets | $651,318,500 | 1,311 |
| Average equity | $67,702,000 | 1,278 |
| Average total loans | $439,511,000 | 1,352 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3144% | 3,554 |
| Cost of funding earning assets | 0.4364% | 1,814 |
| Net interest margin | 2.8780% | 3,734 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 1.8542% | 3,924 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.9627% | 2,711 |
| Return on assets (ROA) | 0.9195% | 2,830 |
| Pretax return on assets | 1.1804% | 2,506 |
| Return on Equity (ROE) | 9.0700% | 3,115 |
| Retained earnings to average equity (ytd only) | 7.1387% | 2,182 |
| Net charge-offs to loans | 0.0043% | 2,295 |
| Credit loss provision to net charge-offs | 464.7059% | 713 |
| Earnings coverage of net charge-offs (x) | 486.7647% | 338 |
| Efficiency ratio | 58.2313% | 3,310 |
| Assets per employee ($millions) | 8.5091% | 1,090 |
| Cash dividends to net income (ytd only)* | 21.3045% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1746% | 2,514 |
| Loan loss allowance to noncurrent loans | 994.1748% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.2604% | 1,859 |
| Noncurrent loans to loans | 0.1182% | 2,932 |
| Net loans and leases to total assets | 62.5000% | 2,384 |
| Net loans and leases to deposits | 75.4497% | 2,138 |
| Net loans and leases to core deposits | 78.8444% | 2,209 |
| Total domestic deposits to total assets | 82.8300% | 3,457 |
| Equity capital to assets | 9.5876% | 1,941 |
| Core capital (leverage) ratio | 10.8086% | 1,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8522% | 1,001 |
| Memoranda: | ||
| Average total assets | $663,614,600 | 1,353 |
| Average earning assets | $626,543,200 | 1,335 |
| Average equity | $67,267,200 | 1,290 |
| Average total loans | $397,750,400 | 1,399 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1830% | 3,474 |
| Cost of funding earning assets | 0.3328% | 1,832 |
| Net interest margin | 2.8502% | 3,622 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 1.8068% | 3,976 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.9916% | 2,501 |
| Return on assets (ROA) | 0.9318% | 2,716 |
| Pretax return on assets | 1.1935% | 2,394 |
| Return on Equity (ROE) | 9.0600% | 3,015 |
| Retained earnings to average equity (ytd only) | 7.4851% | 2,196 |
| Net charge-offs to loans | 0.0038% | 2,078 |
| Credit loss provision to net charge-offs | 645.4545% | 536 |
| Earnings coverage of net charge-offs (x) | 575.1818% | 275 |
| Efficiency ratio | 56.8896% | 3,531 |
| Assets per employee ($millions) | 8.0104% | 1,319 |
| Cash dividends to net income (ytd only)* | 17.4178% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 2,197 |
| Loan loss allowance to noncurrent loans | 241.4151% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.4669% | 1,159 |
| Noncurrent loans to loans | 0.5239% | 1,489 |
| Net loans and leases to total assets | 60.8300% | 2,419 |
| Net loans and leases to deposits | 69.7536% | 2,387 |
| Net loans and leases to core deposits | 72.4566% | 2,453 |
| Total domestic deposits to total assets | 87.2000% | 2,698 |
| Equity capital to assets | 9.4761% | 1,899 |
| Core capital (leverage) ratio | 11.0144% | 1,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8938% | 873 |
| Memoranda: | ||
| Average total assets | $657,209,000 | 1,373 |
| Average earning assets | $621,030,000 | 1,355 |
| Average equity | $67,563,750 | 1,300 |
| Average total loans | $388,217,750 | 1,420 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0458% | 3,439 |
| Cost of funding earning assets | 0.2915% | 1,791 |
| Net interest margin | 2.7543% | 3,566 |
| Noninterest income to average assets | 0.3779% | 2,888 |
| Noninterest expense to average assets | 1.7839% | 4,002 |
| Loan and lease loss provision to assets | 0.0192% | 2,258 |
| Net operating income to assets | 0.9229% | 2,477 |
| Return on assets (ROA) | 0.8866% | 2,613 |
| Pretax return on assets | 1.1392% | 2,273 |
| Return on Equity (ROE) | 8.4053% | 2,896 |
| Retained earnings to average equity (ytd only) | 8.4053% | 1,469 |
| Net charge-offs to loans | 0.0057% | 1,793 |
| Credit loss provision to net charge-offs | 572.7273% | 592 |
| Earnings coverage of net charge-offs (x) | 359.8182% | 351 |
| Efficiency ratio | 58.0694% | 3,549 |
| Assets per employee ($millions) | 7.8124% | 1,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 2,059 |
| Loan loss allowance to noncurrent loans | 281.6979% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.4310% | 1,319 |
| Noncurrent loans to loans | 0.4712% | 1,701 |
| Net loans and leases to total assets | 59.2957% | 2,406 |
| Net loans and leases to deposits | 66.6894% | 2,492 |
| Net loans and leases to core deposits | 68.7070% | 2,588 |
| Total domestic deposits to total assets | 88.9133% | 2,221 |
| Equity capital to assets | 10.4516% | 1,457 |
| Core capital (leverage) ratio | 10.7651% | 1,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5670% | 773 |
| Memoranda: | ||
| Average total assets | $657,328,667 | 1,376 |
| Average earning assets | $622,953,667 | 1,364 |
| Average equity | $69,337,000 | 1,301 |
| Average total loans | $382,735,667 | 1,431 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8800% | 3,582 |
| Cost of funding earning assets | 0.2880% | 1,754 |
| Net interest margin | 2.5920% | 3,679 |
| Noninterest income to average assets | 0.3816% | 2,801 |
| Noninterest expense to average assets | 1.8111% | 3,914 |
| Loan and lease loss provision to assets | 0.0373% | 1,690 |
| Net operating income to assets | 0.7808% | 2,720 |
| Return on assets (ROA) | 0.7751% | 2,739 |
| Pretax return on assets | 0.9921% | 2,461 |
| Return on Equity (ROE) | 7.3162% | 2,938 |
| Retained earnings to average equity (ytd only) | 7.3162% | 1,792 |
| Net charge-offs to loans | 0.0010% | 1,804 |
| Credit loss provision to net charge-offs | 6,200.0000% | 72 |
| Earnings coverage of net charge-offs (x) | 1,725.0000% | 35 |
| Efficiency ratio | 61.9118% | 3,272 |
| Assets per employee ($millions) | 8.4341% | 1,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3383% | 2,175 |
| Loan loss allowance to noncurrent loans | 197.6448% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.3908% | 1,538 |
| Noncurrent loans to loans | 0.6771% | 1,402 |
| Net loans and leases to total assets | 55.9288% | 2,536 |
| Net loans and leases to deposits | 62.6170% | 2,663 |
| Net loans and leases to core deposits | 64.4336% | 2,762 |
| Total domestic deposits to total assets | 89.3190% | 1,915 |
| Equity capital to assets | 10.0583% | 1,850 |
| Core capital (leverage) ratio | 10.5031% | 1,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0303% | 898 |
| Memoranda: | ||
| Average total assets | $665,686,500 | 1,375 |
| Average earning assets | $633,329,000 | 1,354 |
| Average equity | $70,528,500 | 1,324 |
| Average total loans | $381,620,500 | 1,425 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4189% | 2,887 |
| Cost of funding earning assets | 0.3356% | 2,065 |
| Net interest margin | 3.0833% | 2,959 |
| Noninterest income to average assets | 0.3317% | 3,428 |
| Noninterest expense to average assets | 1.8036% | 4,139 |
| Loan and lease loss provision to assets | 0.0960% | 1,296 |
| Net operating income to assets | 1.0580% | 2,448 |
| Return on assets (ROA) | 1.0725% | 2,476 |
| Pretax return on assets | 1.3775% | 2,118 |
| Return on Equity (ROE) | 9.4397% | 2,743 |
| Retained earnings to average equity (ytd only) | 6.6727% | 2,047 |
| Net charge-offs to loans | 0.0348% | 1,543 |
| Credit loss provision to net charge-offs | 445.9854% | 860 |
| Earnings coverage of net charge-offs (x) | 67.5693% | 1,101 |
| Efficiency ratio | 53.7987% | 3,951 |
| Assets per employee ($millions) | 8.3119% | 1,167 |
| Cash dividends to net income (ytd only)* | 29.3126% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3284% | 2,241 |
| Loan loss allowance to noncurrent loans | 383.1818% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.2082% | 2,520 |
| Noncurrent loans to loans | 0.3467% | 2,338 |
| Net loans and leases to total assets | 57.2146% | 2,452 |
| Net loans and leases to deposits | 64.8894% | 2,606 |
| Net loans and leases to core deposits | 67.0627% | 2,727 |
| Total domestic deposits to total assets | 88.1724% | 1,944 |
| Equity capital to assets | 11.1462% | 1,703 |
| Core capital (leverage) ratio | 10.5125% | 1,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8439% | 917 |
| Memoranda: | ||
| Average total assets | $636,155,800 | 1,387 |
| Average earning assets | $603,940,400 | 1,371 |
| Average equity | $72,279,600 | 1,316 |
| Average total loans | $394,228,600 | 1,395 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5018% | 2,840 |
| Cost of funding earning assets | 0.3440% | 2,174 |
| Net interest margin | 3.1579% | 2,864 |
| Noninterest income to average assets | 0.3611% | 3,293 |
| Noninterest expense to average assets | 1.8209% | 4,125 |
| Loan and lease loss provision to assets | 0.0895% | 1,336 |
| Net operating income to assets | 1.1165% | 2,492 |
| Return on assets (ROA) | 1.1327% | 2,492 |
| Pretax return on assets | 1.4680% | 2,089 |
| Return on Equity (ROE) | 9.9204% | 2,765 |
| Retained earnings to average equity (ytd only) | 9.9204% | 1,346 |
| Net charge-offs to loans | 0.0433% | 1,242 |
| Credit loss provision to net charge-offs | 328.6822% | 956 |
| Earnings coverage of net charge-offs (x) | 56.3953% | 1,168 |
| Efficiency ratio | 52.7150% | 3,956 |
| Assets per employee ($millions) | 7.9918% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2606% | 2,680 |
| Loan loss allowance to noncurrent loans | 349.5702% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.2257% | 2,652 |
| Noncurrent loans to loans | 0.3606% | 2,487 |
| Net loans and leases to total assets | 59.7871% | 2,292 |
| Net loans and leases to deposits | 68.3621% | 2,410 |
| Net loans and leases to core deposits | 70.5204% | 2,548 |
| Total domestic deposits to total assets | 87.4565% | 2,131 |
| Equity capital to assets | 11.6531% | 1,572 |
| Core capital (leverage) ratio | 10.8631% | 1,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0235% | 950 |
| Memoranda: | ||
| Average total assets | $631,033,750 | 1,413 |
| Average earning assets | $598,870,250 | 1,397 |
| Average equity | $72,051,750 | 1,333 |
| Average total loans | $397,597,250 | 1,413 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4181% | 3,125 |
| Cost of funding earning assets | 0.3597% | 2,235 |
| Net interest margin | 3.0584% | 3,153 |
| Noninterest income to average assets | 0.3693% | 3,264 |
| Noninterest expense to average assets | 1.7961% | 4,192 |
| Loan and lease loss provision to assets | 0.0965% | 1,303 |
| Net operating income to assets | 1.0673% | 2,658 |
| Return on assets (ROA) | 1.0741% | 2,704 |
| Pretax return on assets | 1.3899% | 2,366 |
| Return on Equity (ROE) | 9.4729% | 2,955 |
| Retained earnings to average equity (ytd only) | 9.4729% | 1,560 |
| Net charge-offs to loans | 0.0519% | 1,101 |
| Credit loss provision to net charge-offs | 291.3462% | 906 |
| Earnings coverage of net charge-offs (x) | 44.6346% | 1,113 |
| Efficiency ratio | 53.3061% | 3,885 |
| Assets per employee ($millions) | 7.3091% | 1,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 2,821 |
| Loan loss allowance to noncurrent loans | 190.1033% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.4077% | 1,977 |
| Noncurrent loans to loans | 0.6416% | 1,811 |
| Net loans and leases to total assets | 61.6279% | 2,220 |
| Net loans and leases to deposits | 70.4034% | 2,369 |
| Net loans and leases to core deposits | 73.4359% | 2,467 |
| Total domestic deposits to total assets | 87.5353% | 2,077 |
| Equity capital to assets | 11.5730% | 1,589 |
| Core capital (leverage) ratio | 10.4982% | 1,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1574% | 930 |
| Memoranda: | ||
| Average total assets | $628,264,333 | 1,411 |
| Average earning assets | $596,644,000 | 1,387 |
| Average equity | $71,234,667 | 1,338 |
| Average total loans | $401,088,333 | 1,407 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3130% | 3,414 |
| Cost of funding earning assets | 0.3773% | 2,292 |
| Net interest margin | 2.9356% | 3,423 |
| Noninterest income to average assets | 0.3560% | 3,304 |
| Noninterest expense to average assets | 1.6672% | 4,440 |
| Loan and lease loss provision to assets | 0.1153% | 1,190 |
| Net operating income to assets | 1.0492% | 2,640 |
| Return on assets (ROA) | 1.0648% | 2,672 |
| Pretax return on assets | 1.3826% | 2,330 |
| Return on Equity (ROE) | 9.4894% | 2,859 |
| Retained earnings to average equity (ytd only) | 9.4894% | 1,804 |
| Net charge-offs to loans | 0.0010% | 1,904 |
| Credit loss provision to net charge-offs | 18,100.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 2,321.0000% | 28 |
| Efficiency ratio | 51.3869% | 4,054 |
| Assets per employee ($millions) | 7.4115% | 1,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 2,973 |
| Loan loss allowance to noncurrent loans | 261.6145% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.2897% | 2,693 |
| Noncurrent loans to loans | 0.4558% | 2,489 |
| Net loans and leases to total assets | 61.2255% | 2,375 |
| Net loans and leases to deposits | 69.5085% | 2,559 |
| Net loans and leases to core deposits | 72.4212% | 2,662 |
| Total domestic deposits to total assets | 88.0835% | 1,808 |
| Equity capital to assets | 11.0257% | 1,836 |
| Core capital (leverage) ratio | 10.3892% | 2,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2344% | 886 |
| Memoranda: | ||
| Average total assets | $628,104,500 | 1,394 |
| Average earning assets | $596,804,500 | 1,376 |
| Average equity | $70,479,000 | 1,345 |
| Average total loans | $405,549,500 | 1,397 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0331% | 2,628 |
| Cost of funding earning assets | 0.7483% | 1,458 |
| Net interest margin | 3.2849% | 3,107 |
| Noninterest income to average assets | 0.3336% | 3,464 |
| Noninterest expense to average assets | 1.9537% | 4,224 |
| Loan and lease loss provision to assets | 0.4287% | 677 |
| Net operating income to assets | 0.8211% | 3,012 |
| Return on assets (ROA) | 0.8890% | 2,883 |
| Pretax return on assets | 1.1371% | 2,561 |
| Return on Equity (ROE) | 7.5482% | 2,979 |
| Retained earnings to average equity (ytd only) | 7.5482% | 1,183 |
| Net charge-offs to loans | 0.4653% | 354 |
| Credit loss provision to net charge-offs | 123.7160% | 2,608 |
| Earnings coverage of net charge-offs (x) | 4.2704% | 3,005 |
| Efficiency ratio | 55.2698% | 4,068 |
| Assets per employee ($millions) | 6.8697% | 1,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1138% | 3,393 |
| Loan loss allowance to noncurrent loans | 238.5016% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.3220% | 2,710 |
| Noncurrent loans to loans | 0.4670% | 2,567 |
| Net loans and leases to total assets | 66.5625% | 2,011 |
| Net loans and leases to deposits | 75.9486% | 2,286 |
| Net loans and leases to core deposits | 79.5526% | 2,402 |
| Total domestic deposits to total assets | 87.6414% | 1,638 |
| Equity capital to assets | 11.4268% | 1,938 |
| Core capital (leverage) ratio | 10.2317% | 2,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3669% | 1,182 |
| Memoranda: | ||
| Average total assets | $573,110,800 | 1,390 |
| Average earning assets | $540,843,800 | 1,372 |
| Average equity | $67,499,200 | 1,330 |
| Average total loans | $426,851,600 | 1,278 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0893% | 2,703 |
| Cost of funding earning assets | 0.8350% | 1,336 |
| Net interest margin | 3.2543% | 3,323 |
| Noninterest income to average assets | 0.3371% | 3,459 |
| Noninterest expense to average assets | 1.9510% | 4,253 |
| Loan and lease loss provision to assets | 0.2841% | 1,418 |
| Net operating income to assets | 0.9078% | 2,664 |
| Return on assets (ROA) | 0.9987% | 2,474 |
| Pretax return on assets | 1.2859% | 2,111 |
| Return on Equity (ROE) | 8.4113% | 2,643 |
| Retained earnings to average equity (ytd only) | 8.4113% | 1,169 |
| Net charge-offs to loans | 0.2179% | 703 |
| Credit loss provision to net charge-offs | 170.5966% | 2,230 |
| Earnings coverage of net charge-offs (x) | 8.7358% | 2,470 |
| Efficiency ratio | 55.6127% | 3,971 |
| Assets per employee ($millions) | 6.9653% | 1,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 3,408 |
| Loan loss allowance to noncurrent loans | 110.8440% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.6941% | 1,679 |
| Noncurrent loans to loans | 0.9574% | 1,577 |
| Net loans and leases to total assets | 70.9282% | 1,828 |
| Net loans and leases to deposits | 80.9054% | 2,207 |
| Net loans and leases to core deposits | 85.0472% | 2,378 |
| Total domestic deposits to total assets | 87.6681% | 1,361 |
| Equity capital to assets | 11.3826% | 2,094 |
| Core capital (leverage) ratio | 10.5282% | 2,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8768% | 1,283 |
| Memoranda: | ||
| Average total assets | $563,537,000 | 1,387 |
| Average earning assets | $531,421,500 | 1,373 |
| Average equity | $66,908,000 | 1,326 |
| Average total loans | $430,676,750 | 1,266 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2928% | 2,491 |
| Cost of funding earning assets | 0.9222% | 1,270 |
| Net interest margin | 3.3706% | 3,189 |
| Noninterest income to average assets | 0.3353% | 3,461 |
| Noninterest expense to average assets | 2.0157% | 4,204 |
| Loan and lease loss provision to assets | 0.2632% | 1,616 |
| Net operating income to assets | 0.9526% | 2,478 |
| Return on assets (ROA) | 1.0262% | 2,359 |
| Pretax return on assets | 1.3215% | 1,959 |
| Return on Equity (ROE) | 8.5142% | 2,551 |
| Retained earnings to average equity (ytd only) | 8.5142% | 1,155 |
| Net charge-offs to loans | 0.2324% | 677 |
| Credit loss provision to net charge-offs | 144.8898% | 2,155 |
| Earnings coverage of net charge-offs (x) | 8.2104% | 2,308 |
| Efficiency ratio | 55.8127% | 3,964 |
| Assets per employee ($millions) | 6.4729% | 1,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9772% | 3,679 |
| Loan loss allowance to noncurrent loans | 96.9731% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 0.7737% | 1,604 |
| Noncurrent loans to loans | 1.0077% | 1,539 |
| Net loans and leases to total assets | 75.2298% | 1,243 |
| Net loans and leases to deposits | 86.2017% | 1,744 |
| Net loans and leases to core deposits | 90.5365% | 2,027 |
| Total domestic deposits to total assets | 87.2719% | 1,514 |
| Equity capital to assets | 11.6318% | 1,888 |
| Core capital (leverage) ratio | 10.7203% | 2,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0858% | 1,468 |
| Memoranda: | ||
| Average total assets | $549,389,667 | 1,393 |
| Average earning assets | $517,004,000 | 1,384 |
| Average equity | $66,218,667 | 1,330 |
| Average total loans | $429,429,000 | 1,257 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4840% | 2,353 |
| Cost of funding earning assets | 1.0203% | 1,334 |
| Net interest margin | 3.4637% | 3,101 |
| Noninterest income to average assets | 0.3574% | 3,381 |
| Noninterest expense to average assets | 1.9647% | 4,463 |
| Loan and lease loss provision to assets | 0.2523% | 1,229 |
| Net operating income to assets | 1.0767% | 1,917 |
| Return on assets (ROA) | 1.1929% | 1,654 |
| Pretax return on assets | 1.5420% | 1,203 |
| Return on Equity (ROE) | 9.7117% | 1,835 |
| Retained earnings to average equity (ytd only) | 9.7117% | 802 |
| Net charge-offs to loans | 0.0019% | 2,526 |
| Credit loss provision to net charge-offs | 16,800.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 1,097.0000% | 48 |
| Efficiency ratio | 52.7333% | 4,489 |
| Assets per employee ($millions) | 5.9534% | 1,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0494% | 3,449 |
| Loan loss allowance to noncurrent loans | 111.1529% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.7534% | 1,793 |
| Noncurrent loans to loans | 0.9441% | 1,745 |
| Net loans and leases to total assets | 78.0471% | 978 |
| Net loans and leases to deposits | 90.1814% | 1,487 |
| Net loans and leases to core deposits | 95.1913% | 1,866 |
| Total domestic deposits to total assets | 86.5446% | 1,752 |
| Equity capital to assets | 12.3787% | 1,808 |
| Core capital (leverage) ratio | 11.2658% | 2,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3705% | 1,793 |
| Memoranda: | ||
| Average total assets | $532,804,500 | 1,391 |
| Average earning assets | $500,627,000 | 1,383 |
| Average equity | $65,447,000 | 1,339 |
| Average total loans | $422,851,500 | 1,240 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7157% | 2,286 |
| Cost of funding earning assets | 1.0049% | 1,704 |
| Net interest margin | 3.7108% | 2,786 |
| Noninterest income to average assets | 0.4059% | 3,260 |
| Noninterest expense to average assets | 2.1144% | 4,331 |
| Loan and lease loss provision to assets | 0.2692% | 668 |
| Net operating income to assets | 1.1590% | 2,222 |
| Return on assets (ROA) | 1.1590% | 2,314 |
| Pretax return on assets | 1.5073% | 1,789 |
| Return on Equity (ROE) | 9.1871% | 2,668 |
| Retained earnings to average equity (ytd only) | 9.1871% | 664 |
| Net charge-offs to loans | 0.2618% | 789 |
| Credit loss provision to net charge-offs | 128.0374% | 1,992 |
| Earnings coverage of net charge-offs (x) | 8.4496% | 2,772 |
| Efficiency ratio | 53.5967% | 4,461 |
| Assets per employee ($millions) | 5.9528% | 1,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9693% | 3,654 |
| Loan loss allowance to noncurrent loans | 103.6129% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.7559% | 1,714 |
| Noncurrent loans to loans | 0.9355% | 1,635 |
| Net loans and leases to total assets | 79.0834% | 920 |
| Net loans and leases to deposits | 91.4637% | 1,434 |
| Net loans and leases to core deposits | 95.8776% | 1,913 |
| Total domestic deposits to total assets | 86.4642% | 1,860 |
| Equity capital to assets | 12.1872% | 2,023 |
| Core capital (leverage) ratio | 11.0528% | 2,457 |
| Tier 1 risk-based capital ratio | 13.7976% | 3,367 |
| Total risk-based capital ratio | 14.7847% | 3,403 |
| Memoranda: | ||
| Average total assets | $458,050,200 | 1,523 |
| Average earning assets | $430,181,000 | 1,501 |
| Average equity | $57,787,800 | 1,405 |
| Average total loans | $367,796,400 | 1,363 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6803% | 2,479 |
| Cost of funding earning assets | 0.9674% | 1,900 |
| Net interest margin | 3.7128% | 2,872 |
| Noninterest income to average assets | 0.4011% | 3,311 |
| Noninterest expense to average assets | 1.9988% | 4,561 |
| Loan and lease loss provision to assets | 0.1690% | 1,095 |
| Net operating income to assets | 1.3260% | 1,748 |
| Return on assets (ROA) | 1.3260% | 1,815 |
| Pretax return on assets | 1.7235% | 1,268 |
| Return on Equity (ROE) | 10.4039% | 2,251 |
| Retained earnings to average equity (ytd only) | 10.4039% | 654 |
| Net charge-offs to loans | 0.2505% | 706 |
| Credit loss provision to net charge-offs | 83.9098% | 2,456 |
| Earnings coverage of net charge-offs (x) | 9.3940% | 2,576 |
| Efficiency ratio | 50.9537% | 4,677 |
| Assets per employee ($millions) | 5.4758% | 2,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8648% | 4,183 |
| Loan loss allowance to noncurrent loans | 81.6130% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 0.8862% | 1,546 |
| Noncurrent loans to loans | 1.0596% | 1,511 |
| Net loans and leases to total assets | 82.0667% | 561 |
| Net loans and leases to deposits | 93.8377% | 1,234 |
| Net loans and leases to core deposits | 97.9938% | 1,826 |
| Total domestic deposits to total assets | 87.4560% | 1,282 |
| Equity capital to assets | 11.2557% | 2,875 |
| Core capital (leverage) ratio | 11.1288% | 2,533 |
| Tier 1 risk-based capital ratio | 12.1171% | 4,355 |
| Total risk-based capital ratio | 12.9977% | 4,444 |
| Memoranda: | ||
| Average total assets | $440,112,000 | 1,599 |
| Average earning assets | $413,727,500 | 1,578 |
| Average equity | $56,092,750 | 1,440 |
| Average total loans | $353,973,750 | 1,411 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7357% | 2,258 |
| Cost of funding earning assets | 0.9229% | 2,036 |
| Net interest margin | 3.8128% | 2,545 |
| Noninterest income to average assets | 0.4059% | 3,238 |
| Noninterest expense to average assets | 2.0140% | 4,582 |
| Loan and lease loss provision to assets | 0.1180% | 1,586 |
| Net operating income to assets | 1.4373% | 1,330 |
| Return on assets (ROA) | 1.4373% | 1,377 |
| Pretax return on assets | 1.8712% | 888 |
| Return on Equity (ROE) | 10.7503% | 2,076 |
| Retained earnings to average equity (ytd only) | 10.7503% | 590 |
| Net charge-offs to loans | 0.0018% | 3,114 |
| Credit loss provision to net charge-offs | 8,133.3333% | 35 |
| Earnings coverage of net charge-offs (x) | 1,370.6667% | 50 |
| Efficiency ratio | 50.3082% | 4,765 |
| Assets per employee ($millions) | 6.1015% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 2,528 |
| Loan loss allowance to noncurrent loans | 86.5646% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 1.1451% | 1,175 |
| Noncurrent loans to loans | 1.3857% | 1,125 |
| Net loans and leases to total assets | 80.8392% | 752 |
| Net loans and leases to deposits | 95.4640% | 1,099 |
| Net loans and leases to core deposits | 98.8570% | 1,818 |
| Total domestic deposits to total assets | 84.6803% | 2,608 |
| Equity capital to assets | 13.7538% | 1,218 |
| Core capital (leverage) ratio | 13.4256% | 1,144 |
| Tier 1 risk-based capital ratio | 16.5073% | 2,232 |
| Total risk-based capital ratio | 17.7352% | 2,190 |
| Memoranda: | ||
| Average total assets | $413,416,000 | 1,709 |
| Average earning assets | $390,056,670 | 1,677 |
| Average equity | $55,273,000 | 1,443 |
| Average total loans | $328,420,000 | 1,520 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6852% | 2,276 |
| Cost of funding earning assets | 0.8492% | 2,277 |
| Net interest margin | 3.8360% | 2,397 |
| Noninterest income to average assets | 0.3984% | 3,193 |
| Noninterest expense to average assets | 1.8911% | 4,812 |
| Loan and lease loss provision to assets | 0.0698% | 2,260 |
| Net operating income to assets | 1.5577% | 989 |
| Return on assets (ROA) | 1.5577% | 1,017 |
| Pretax return on assets | 2.0539% | 580 |
| Return on Equity (ROE) | 11.8212% | 1,603 |
| Retained earnings to average equity (ytd only) | 11.8212% | 643 |
| Net charge-offs to loans | 0.0012% | 2,718 |
| Credit loss provision to net charge-offs | 7,200.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 2,191.0000% | 14 |
| Efficiency ratio | 47.1028% | 4,980 |
| Assets per employee ($millions) | 6.4290% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 2,666 |
| Loan loss allowance to noncurrent loans | 198.8787% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.4808% | 2,686 |
| Noncurrent loans to loans | 0.5956% | 2,553 |
| Net loans and leases to total assets | 77.8900% | 1,173 |
| Net loans and leases to deposits | 91.6522% | 1,440 |
| Net loans and leases to core deposits | 93.8360% | 2,142 |
| Total domestic deposits to total assets | 84.9843% | 2,682 |
| Equity capital to assets | 13.2394% | 1,326 |
| Core capital (leverage) ratio | 13.1283% | 1,211 |
| Tier 1 risk-based capital ratio | 16.5022% | 2,266 |
| Total risk-based capital ratio | 17.7085% | 2,229 |
| Memoranda: | ||
| Average total assets | $412,672,000 | 1,725 |
| Average earning assets | $389,054,500 | 1,690 |
| Average equity | $54,377,000 | 1,462 |
| Average total loans | $322,891,500 | 1,557 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4947% | 2,474 |
| Cost of funding earning assets | 0.7523% | 1,775 |
| Net interest margin | 3.7425% | 2,891 |
| Noninterest income to average assets | 0.4592% | 3,050 |
| Noninterest expense to average assets | 2.2078% | 4,317 |
| Loan and lease loss provision to assets | 0.1708% | 1,168 |
| Net operating income to assets | 1.2498% | 1,972 |
| Return on assets (ROA) | 1.2322% | 2,031 |
| Pretax return on assets | 1.5855% | 1,511 |
| Return on Equity (ROE) | 9.3508% | 2,813 |
| Retained earnings to average equity (ytd only) | 9.3508% | 769 |
| Net charge-offs to loans | 0.0097% | 3,347 |
| Credit loss provision to net charge-offs | 2,200.0000% | 204 |
| Earnings coverage of net charge-offs (x) | 229.0333% | 410 |
| Efficiency ratio | 55.3831% | 4,474 |
| Assets per employee ($millions) | 6.4676% | 1,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2108% | 2,513 |
| Loan loss allowance to noncurrent loans | 220.2990% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.4383% | 2,809 |
| Noncurrent loans to loans | 0.5496% | 2,627 |
| Net loans and leases to total assets | 76.7094% | 1,486 |
| Net loans and leases to deposits | 90.2841% | 1,758 |
| Net loans and leases to core deposits | 92.4477% | 2,370 |
| Total domestic deposits to total assets | 84.9645% | 2,658 |
| Equity capital to assets | 13.1127% | 1,293 |
| Core capital (leverage) ratio | 13.0902% | 1,208 |
| Tier 1 risk-based capital ratio | 16.6229% | 2,197 |
| Total risk-based capital ratio | 17.8530% | 2,151 |
| Memoranda: | ||
| Average total assets | $386,311,800 | 1,773 |
| Average earning assets | $364,092,400 | 1,753 |
| Average equity | $50,904,800 | 1,496 |
| Average total loans | $310,188,600 | 1,555 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4444% | 2,481 |
| Cost of funding earning assets | 0.7201% | 1,744 |
| Net interest margin | 3.7243% | 2,916 |
| Noninterest income to average assets | 0.4696% | 3,045 |
| Noninterest expense to average assets | 2.1867% | 4,348 |
| Loan and lease loss provision to assets | 0.1785% | 1,022 |
| Net operating income to assets | 1.2463% | 2,061 |
| Return on assets (ROA) | 1.2433% | 2,075 |
| Pretax return on assets | 1.6118% | 1,549 |
| Return on Equity (ROE) | 9.4228% | 2,888 |
| Retained earnings to average equity (ytd only) | 9.4228% | 1,066 |
| Net charge-offs to loans | 0.0143% | 2,915 |
| Credit loss provision to net charge-offs | 1,545.4545% | 262 |
| Earnings coverage of net charge-offs (x) | 155.3598% | 530 |
| Efficiency ratio | 54.9314% | 4,515 |
| Assets per employee ($millions) | 5.8309% | 1,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 2,822 |
| Loan loss allowance to noncurrent loans | 181.7194% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.5223% | 2,651 |
| Noncurrent loans to loans | 0.6407% | 2,482 |
| Net loans and leases to total assets | 78.7460% | 1,209 |
| Net loans and leases to deposits | 92.7093% | 1,533 |
| Net loans and leases to core deposits | 95.0206% | 2,209 |
| Total domestic deposits to total assets | 84.9386% | 2,629 |
| Equity capital to assets | 13.0881% | 1,294 |
| Core capital (leverage) ratio | 12.9164% | 1,316 |
| Tier 1 risk-based capital ratio | 15.9025% | 2,483 |
| Total risk-based capital ratio | 17.0883% | 2,445 |
| Memoranda: | ||
| Average total assets | $381,024,500 | 1,802 |
| Average earning assets | $359,212,500 | 1,775 |
| Average equity | $50,273,750 | 1,514 |
| Average total loans | $308,637,750 | 1,561 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4098% | 2,379 |
| Cost of funding earning assets | 0.6917% | 1,667 |
| Net interest margin | 3.7181% | 2,864 |
| Noninterest income to average assets | 0.4629% | 3,074 |
| Noninterest expense to average assets | 2.2035% | 4,357 |
| Loan and lease loss provision to assets | 0.1916% | 905 |
| Net operating income to assets | 1.2168% | 2,120 |
| Return on assets (ROA) | 1.2121% | 2,140 |
| Pretax return on assets | 1.5686% | 1,607 |
| Return on Equity (ROE) | 9.1609% | 2,946 |
| Retained earnings to average equity (ytd only) | 9.1609% | 1,161 |
| Net charge-offs to loans | -0.0157% | 4,475 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5094% | 4,538 |
| Assets per employee ($millions) | 5.7053% | 1,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1514% | 2,974 |
| Loan loss allowance to noncurrent loans | 187.2063% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.5210% | 2,674 |
| Noncurrent loans to loans | 0.6150% | 2,572 |
| Net loans and leases to total assets | 81.7353% | 737 |
| Net loans and leases to deposits | 96.7514% | 1,062 |
| Net loans and leases to core deposits | 99.2202% | 1,795 |
| Total domestic deposits to total assets | 84.4797% | 2,882 |
| Equity capital to assets | 13.4781% | 1,111 |
| Core capital (leverage) ratio | 12.8968% | 1,273 |
| Tier 1 risk-based capital ratio | 15.8252% | 2,499 |
| Total risk-based capital ratio | 16.9995% | 2,479 |
| Memoranda: | ||
| Average total assets | $375,864,670 | 1,831 |
| Average earning assets | $354,486,330 | 1,805 |
| Average equity | $49,733,330 | 1,533 |
| Average total loans | $306,214,000 | 1,571 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2773% | 2,609 |
| Cost of funding earning assets | 0.6467% | 1,735 |
| Net interest margin | 3.6306% | 3,070 |
| Noninterest income to average assets | 0.4783% | 2,952 |
| Noninterest expense to average assets | 2.1677% | 4,495 |
| Loan and lease loss provision to assets | 0.1598% | 1,131 |
| Net operating income to assets | 1.2182% | 1,932 |
| Return on assets (ROA) | 1.2090% | 1,974 |
| Pretax return on assets | 1.5658% | 1,482 |
| Return on Equity (ROE) | 9.2231% | 2,799 |
| Retained earnings to average equity (ytd only) | 9.2231% | 1,391 |
| Net charge-offs to loans | -0.0277% | 4,705 |
| Credit loss provision to net charge-offs | -714.2857% | 4,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5101% | 4,643 |
| Assets per employee ($millions) | 5.8418% | 1,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1039% | 3,354 |
| Loan loss allowance to noncurrent loans | 191.3734% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.4692% | 2,977 |
| Noncurrent loans to loans | 0.5768% | 2,813 |
| Net loans and leases to total assets | 78.3512% | 1,185 |
| Net loans and leases to deposits | 92.2227% | 1,428 |
| Net loans and leases to core deposits | 94.6457% | 2,085 |
| Total domestic deposits to total assets | 84.9588% | 2,946 |
| Equity capital to assets | 12.8771% | 1,306 |
| Core capital (leverage) ratio | 12.9941% | 1,181 |
| Tier 1 risk-based capital ratio | 15.9740% | 2,484 |
| Total risk-based capital ratio | 17.0927% | 2,483 |
| Memoranda: | ||
| Average total assets | $375,521,000 | 1,843 |
| Average earning assets | $354,428,500 | 1,815 |
| Average equity | $49,224,000 | 1,555 |
| Average total loans | $303,640,500 | 1,586 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0434% | 3,263 |
| Cost of funding earning assets | 0.6019% | 1,584 |
| Net interest margin | 3.4415% | 3,717 |
| Noninterest income to average assets | 0.4471% | 3,330 |
| Noninterest expense to average assets | 2.1735% | 4,585 |
| Loan and lease loss provision to assets | 0.0267% | 3,761 |
| Net operating income to assets | 0.8881% | 2,776 |
| Return on assets (ROA) | 0.8918% | 2,786 |
| Pretax return on assets | 1.4832% | 1,706 |
| Return on Equity (ROE) | 6.9003% | 3,328 |
| Retained earnings to average equity (ytd only) | 6.9003% | 1,116 |
| Net charge-offs to loans | 0.0957% | 2,125 |
| Credit loss provision to net charge-offs | 35.8974% | 3,482 |
| Earnings coverage of net charge-offs (x) | 20.2344% | 1,980 |
| Efficiency ratio | 59.0997% | 4,397 |
| Assets per employee ($millions) | 5.4550% | 1,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0606% | 3,558 |
| Loan loss allowance to noncurrent loans | 185.8885% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.4840% | 2,945 |
| Noncurrent loans to loans | 0.5705% | 2,792 |
| Net loans and leases to total assets | 81.7050% | 724 |
| Net loans and leases to deposits | 98.6785% | 850 |
| Net loans and leases to core deposits | 101.2052% | 1,615 |
| Total domestic deposits to total assets | 82.7992% | 3,627 |
| Equity capital to assets | 13.3520% | 1,111 |
| Core capital (leverage) ratio | 12.8165% | 1,214 |
| Tier 1 risk-based capital ratio | 15.8423% | 2,494 |
| Total risk-based capital ratio | 16.9210% | 2,497 |
| Memoranda: | ||
| Average total assets | $367,234,800 | 1,840 |
| Average earning assets | $344,736,600 | 1,818 |
| Average equity | $47,461,600 | 1,582 |
| Average total loans | $285,222,600 | 1,630 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9778% | 3,430 |
| Cost of funding earning assets | 0.5873% | 1,624 |
| Net interest margin | 3.3905% | 3,879 |
| Noninterest income to average assets | 0.4500% | 3,332 |
| Noninterest expense to average assets | 2.0964% | 4,742 |
| Loan and lease loss provision to assets | 0.0174% | 3,797 |
| Net operating income to assets | 1.0210% | 2,467 |
| Return on assets (ROA) | 1.0266% | 2,477 |
| Pretax return on assets | 1.5249% | 1,688 |
| Return on Equity (ROE) | 8.0093% | 3,121 |
| Retained earnings to average equity (ytd only) | 8.0093% | 1,222 |
| Net charge-offs to loans | 0.0294% | 2,837 |
| Credit loss provision to net charge-offs | 77.4194% | 2,620 |
| Earnings coverage of net charge-offs (x) | 68.2296% | 910 |
| Efficiency ratio | 57.7465% | 4,538 |
| Assets per employee ($millions) | 5.5575% | 1,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1742% | 3,063 |
| Loan loss allowance to noncurrent loans | 172.1454% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.5292% | 2,941 |
| Noncurrent loans to loans | 0.6821% | 2,661 |
| Net loans and leases to total assets | 74.8757% | 1,778 |
| Net loans and leases to deposits | 88.4044% | 2,001 |
| Net loans and leases to core deposits | 90.3039% | 2,581 |
| Total domestic deposits to total assets | 84.6968% | 2,839 |
| Equity capital to assets | 12.8647% | 1,460 |
| Core capital (leverage) ratio | 12.8041% | 1,288 |
| Tier 1 risk-based capital ratio | 16.3026% | 2,376 |
| Total risk-based capital ratio | 17.4795% | 2,357 |
| Memoranda: | ||
| Average total assets | $367,673,000 | 1,855 |
| Average earning assets | $344,873,750 | 1,834 |
| Average equity | $47,127,250 | 1,608 |
| Average total loans | $281,073,750 | 1,660 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9363% | 3,425 |
| Cost of funding earning assets | 0.5672% | 1,665 |
| Net interest margin | 3.3691% | 3,881 |
| Noninterest income to average assets | 0.4480% | 3,367 |
| Noninterest expense to average assets | 2.1216% | 4,737 |
| Loan and lease loss provision to assets | 0.0264% | 3,474 |
| Net operating income to assets | 0.9836% | 2,514 |
| Return on assets (ROA) | 0.9921% | 2,513 |
| Pretax return on assets | 1.4698% | 1,759 |
| Return on Equity (ROE) | 7.7503% | 3,169 |
| Retained earnings to average equity (ytd only) | 7.7503% | 1,256 |
| Net charge-offs to loans | -0.0308% | 4,967 |
| Credit loss provision to net charge-offs | -111.6279% | 4,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8486% | 4,484 |
| Assets per employee ($millions) | 5.1907% | 2,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2316% | 2,821 |
| Loan loss allowance to noncurrent loans | 169.8677% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.5747% | 2,842 |
| Noncurrent loans to loans | 0.7250% | 2,576 |
| Net loans and leases to total assets | 76.5235% | 1,463 |
| Net loans and leases to deposits | 90.6842% | 1,645 |
| Net loans and leases to core deposits | 93.3413% | 2,209 |
| Total domestic deposits to total assets | 84.3846% | 3,056 |
| Equity capital to assets | 13.1073% | 1,324 |
| Core capital (leverage) ratio | 12.7813% | 1,264 |
| Tier 1 risk-based capital ratio | 16.2297% | 2,419 |
| Total risk-based capital ratio | 17.4651% | 2,365 |
| Memoranda: | ||
| Average total assets | $364,261,000 | 1,869 |
| Average earning assets | $341,337,670 | 1,849 |
| Average equity | $46,630,670 | 1,621 |
| Average total loans | $279,323,670 | 1,666 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8424% | 3,612 |
| Cost of funding earning assets | 0.5389% | 1,797 |
| Net interest margin | 3.3035% | 3,995 |
| Noninterest income to average assets | 0.4387% | 3,387 |
| Noninterest expense to average assets | 1.9434% | 5,164 |
| Loan and lease loss provision to assets | 0.0526% | 2,757 |
| Net operating income to assets | 1.0287% | 2,171 |
| Return on assets (ROA) | 1.0287% | 2,222 |
| Pretax return on assets | 1.5354% | 1,424 |
| Return on Equity (ROE) | 8.1329% | 2,845 |
| Retained earnings to average equity (ytd only) | 8.1329% | 1,402 |
| Net charge-offs to loans | -0.0359% | 5,022 |
| Credit loss provision to net charge-offs | -192.0000% | 4,039 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0311% | 5,041 |
| Assets per employee ($millions) | 5.4532% | 1,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2277% | 2,952 |
| Loan loss allowance to noncurrent loans | 170.4051% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.6453% | 2,702 |
| Noncurrent loans to loans | 0.7205% | 2,693 |
| Net loans and leases to total assets | 74.8293% | 1,610 |
| Net loans and leases to deposits | 87.9516% | 1,803 |
| Net loans and leases to core deposits | 91.6696% | 2,200 |
| Total domestic deposits to total assets | 85.0801% | 3,054 |
| Equity capital to assets | 12.5786% | 1,477 |
| Core capital (leverage) ratio | 12.5237% | 1,331 |
| Tier 1 risk-based capital ratio | 15.8922% | 2,592 |
| Total risk-based capital ratio | 17.1191% | 2,548 |
| Memoranda: | ||
| Average total assets | $364,718,000 | 1,878 |
| Average earning assets | $341,453,500 | 1,864 |
| Average equity | $46,133,500 | 1,639 |
| Average total loans | $278,229,000 | 1,684 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5080% | 1,509 |
| Cost of funding earning assets | 0.5229% | 1,917 |
| Net interest margin | 3.9850% | 1,674 |
| Noninterest income to average assets | 0.4536% | 3,518 |
| Noninterest expense to average assets | 2.3210% | 4,506 |
| Loan and lease loss provision to assets | 0.4444% | 324 |
| Net operating income to assets | 0.9723% | 2,481 |
| Return on assets (ROA) | 0.9723% | 2,585 |
| Pretax return on assets | 1.4128% | 1,888 |
| Return on Equity (ROE) | 7.5700% | 3,183 |
| Retained earnings to average equity (ytd only) | 7.5700% | 1,014 |
| Net charge-offs to loans | 0.4997% | 492 |
| Credit loss provision to net charge-offs | 108.5755% | 2,419 |
| Earnings coverage of net charge-offs (x) | 4.5379% | 3,482 |
| Efficiency ratio | 55.5502% | 5,102 |
| Assets per employee ($millions) | 5.3525% | 1,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2253% | 2,973 |
| Loan loss allowance to noncurrent loans | 170.5912% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.6547% | 2,757 |
| Noncurrent loans to loans | 0.7183% | 2,741 |
| Net loans and leases to total assets | 75.8893% | 1,531 |
| Net loans and leases to deposits | 89.3937% | 1,749 |
| Net loans and leases to core deposits | 93.6807% | 2,135 |
| Total domestic deposits to total assets | 84.8933% | 3,095 |
| Equity capital to assets | 12.7220% | 1,385 |
| Core capital (leverage) ratio | 12.4276% | 1,370 |
| Tier 1 risk-based capital ratio | 15.8610% | 2,603 |
| Total risk-based capital ratio | 17.0853% | 2,539 |
| Memoranda: | ||
| Average total assets | $344,765,000 | 1,925 |
| Average earning assets | $322,230,600 | 1,908 |
| Average equity | $44,280,000 | 1,680 |
| Average total loans | $282,378,000 | 1,608 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6595% | 1,164 |
| Cost of funding earning assets | 0.5119% | 1,999 |
| Net interest margin | 4.1476% | 1,259 |
| Noninterest income to average assets | 0.4672% | 3,444 |
| Noninterest expense to average assets | 2.2642% | 4,619 |
| Loan and lease loss provision to assets | 0.5610% | 208 |
| Net operating income to assets | 1.0282% | 2,303 |
| Return on assets (ROA) | 1.0282% | 2,427 |
| Pretax return on assets | 1.5196% | 1,653 |
| Return on Equity (ROE) | 7.9857% | 3,011 |
| Retained earnings to average equity (ytd only) | 7.9857% | 1,179 |
| Net charge-offs to loans | 0.5960% | 349 |
| Credit loss provision to net charge-offs | 113.0709% | 2,187 |
| Earnings coverage of net charge-offs (x) | 4.1937% | 3,303 |
| Efficiency ratio | 52.1129% | 5,376 |
| Assets per employee ($millions) | 5.2845% | 2,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1940% | 3,277 |
| Loan loss allowance to noncurrent loans | 131.8304% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.8685% | 2,378 |
| Noncurrent loans to loans | 0.9057% | 2,435 |
| Net loans and leases to total assets | 81.1656% | 734 |
| Net loans and leases to deposits | 95.9184% | 1,058 |
| Net loans and leases to core deposits | 99.6371% | 1,669 |
| Total domestic deposits to total assets | 84.6194% | 2,978 |
| Equity capital to assets | 12.9785% | 1,495 |
| Core capital (leverage) ratio | 12.7371% | 1,295 |
| Tier 1 risk-based capital ratio | 15.0715% | 3,018 |
| Total risk-based capital ratio | 16.2701% | 2,974 |
| Memoranda: | ||
| Average total assets | $341,302,250 | 1,941 |
| Average earning assets | $319,085,500 | 1,927 |
| Average equity | $43,944,250 | 1,701 |
| Average total loans | $284,090,750 | 1,596 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8957% | 731 |
| Cost of funding earning assets | 0.5037% | 2,074 |
| Net interest margin | 4.3920% | 779 |
| Noninterest income to average assets | 0.4722% | 3,391 |
| Noninterest expense to average assets | 2.2366% | 4,762 |
| Loan and lease loss provision to assets | 0.7910% | 134 |
| Net operating income to assets | 1.0501% | 2,172 |
| Return on assets (ROA) | 1.0501% | 2,300 |
| Pretax return on assets | 1.5519% | 1,519 |
| Return on Equity (ROE) | 8.1786% | 2,892 |
| Retained earnings to average equity (ytd only) | 8.1786% | 1,109 |
| Net charge-offs to loans | 0.8684% | 226 |
| Credit loss provision to net charge-offs | 108.9431% | 1,978 |
| Earnings coverage of net charge-offs (x) | 3.2268% | 3,147 |
| Efficiency ratio | 48.8399% | 5,633 |
| Assets per employee ($millions) | 5.0559% | 2,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1806% | 3,463 |
| Loan loss allowance to noncurrent loans | 112.2415% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 1.0131% | 2,118 |
| Noncurrent loans to loans | 1.0518% | 2,183 |
| Net loans and leases to total assets | 83.1468% | 497 |
| Net loans and leases to deposits | 99.4689% | 736 |
| Net loans and leases to core deposits | 103.9190% | 1,325 |
| Total domestic deposits to total assets | 83.5908% | 3,430 |
| Equity capital to assets | 13.1301% | 1,427 |
| Core capital (leverage) ratio | 12.4573% | 1,376 |
| Tier 1 risk-based capital ratio | 14.8435% | 3,141 |
| Total risk-based capital ratio | 16.0281% | 3,114 |
| Memoranda: | ||
| Average total assets | $338,811,000 | 1,968 |
| Average earning assets | $316,852,000 | 1,949 |
| Average equity | $43,503,670 | 1,719 |
| Average total loans | $283,285,330 | 1,600 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4805% | 1,567 |
| Cost of funding earning assets | 0.4911% | 2,171 |
| Net interest margin | 3.9894% | 1,644 |
| Noninterest income to average assets | 0.4887% | 3,202 |
| Noninterest expense to average assets | 2.2004% | 4,905 |
| Loan and lease loss provision to assets | 0.4675% | 273 |
| Net operating income to assets | 1.0506% | 2,083 |
| Return on assets (ROA) | 1.0506% | 2,194 |
| Pretax return on assets | 1.5512% | 1,432 |
| Return on Equity (ROE) | 8.2759% | 2,772 |
| Retained earnings to average equity (ytd only) | 8.2759% | 1,346 |
| Net charge-offs to loans | 0.5920% | 373 |
| Credit loss provision to net charge-offs | 94.7368% | 1,719 |
| Earnings coverage of net charge-offs (x) | 4.0909% | 2,470 |
| Efficiency ratio | 52.1544% | 5,507 |
| Assets per employee ($millions) | 5.2360% | 2,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1331% | 3,871 |
| Loan loss allowance to noncurrent loans | 65.9392% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 1.4961% | 1,361 |
| Noncurrent loans to loans | 1.7184% | 1,307 |
| Net loans and leases to total assets | 82.8833% | 465 |
| Net loans and leases to deposits | 99.1236% | 682 |
| Net loans and leases to core deposits | 102.2614% | 1,315 |
| Total domestic deposits to total assets | 83.6161% | 3,673 |
| Equity capital to assets | 12.7801% | 1,520 |
| Core capital (leverage) ratio | 12.2575% | 1,458 |
| Tier 1 risk-based capital ratio | 14.3964% | 3,448 |
| Total risk-based capital ratio | 15.5241% | 3,441 |
| Memoranda: | ||
| Average total assets | $338,842,500 | 1,974 |
| Average earning assets | $316,841,000 | 1,956 |
| Average equity | $43,016,500 | 1,728 |
| Average total loans | $282,416,500 | 1,606 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0043% | 3,292 |
| Cost of funding earning assets | 0.4451% | 2,681 |
| Net interest margin | 3.5592% | 3,288 |
| Noninterest income to average assets | 0.4800% | 3,463 |
| Noninterest expense to average assets | 2.3163% | 4,732 |
| Loan and lease loss provision to assets | 0.1573% | 1,483 |
| Net operating income to assets | 0.9202% | 2,758 |
| Return on assets (ROA) | 0.9248% | 2,820 |
| Pretax return on assets | 1.3431% | 2,117 |
| Return on Equity (ROE) | 7.4439% | 3,277 |
| Retained earnings to average equity (ytd only) | 7.4439% | 1,114 |
| Net charge-offs to loans | 0.0684% | 2,870 |
| Credit loss provision to net charge-offs | 285.7143% | 1,024 |
| Earnings coverage of net charge-offs (x) | 27.1374% | 1,554 |
| Efficiency ratio | 60.7954% | 4,786 |
| Assets per employee ($millions) | 5.2710% | 2,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1645% | 3,679 |
| Loan loss allowance to noncurrent loans | 53.4132% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 1.8480% | 1,014 |
| Noncurrent loans to loans | 2.1802% | 921 |
| Net loans and leases to total assets | 81.8924% | 606 |
| Net loans and leases to deposits | 97.9548% | 820 |
| Net loans and leases to core deposits | 102.9661% | 1,300 |
| Total domestic deposits to total assets | 83.6022% | 3,634 |
| Equity capital to assets | 12.6094% | 1,558 |
| Core capital (leverage) ratio | 12.0806% | 1,573 |
| Tier 1 risk-based capital ratio | 14.2750% | 3,564 |
| Total risk-based capital ratio | 15.4256% | 3,533 |
| Memoranda: | ||
| Average total assets | $330,656,400 | 1,986 |
| Average earning assets | $309,371,000 | 1,965 |
| Average equity | $41,080,800 | 1,760 |
| Average total loans | $265,937,400 | 1,643 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9771% | 3,424 |
| Cost of funding earning assets | 0.4440% | 2,750 |
| Net interest margin | 3.5331% | 3,417 |
| Noninterest income to average assets | 0.4835% | 3,483 |
| Noninterest expense to average assets | 2.3149% | 4,744 |
| Loan and lease loss provision to assets | 0.0729% | 2,710 |
| Net operating income to assets | 0.9645% | 2,645 |
| Return on assets (ROA) | 0.9706% | 2,704 |
| Pretax return on assets | 1.4136% | 1,961 |
| Return on Equity (ROE) | 7.8426% | 3,168 |
| Retained earnings to average equity (ytd only) | 7.8426% | 1,308 |
| Net charge-offs to loans | -0.0386% | 5,452 |
| Credit loss provision to net charge-offs | -236.8421% | 5,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0387% | 4,725 |
| Assets per employee ($millions) | 5.4409% | 1,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1658% | 3,840 |
| Loan loss allowance to noncurrent loans | 49.8821% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 1.8857% | 1,109 |
| Noncurrent loans to loans | 2.3370% | 903 |
| Net loans and leases to total assets | 79.7457% | 855 |
| Net loans and leases to deposits | 93.6410% | 1,243 |
| Net loans and leases to core deposits | 98.2505% | 1,677 |
| Total domestic deposits to total assets | 85.1610% | 2,949 |
| Equity capital to assets | 12.4206% | 1,788 |
| Core capital (leverage) ratio | 12.1610% | 1,587 |
| Tier 1 risk-based capital ratio | 14.3294% | 3,664 |
| Total risk-based capital ratio | 15.4740% | 3,650 |
| Memoranda: | ||
| Average total assets | $328,984,500 | 2,009 |
| Average earning assets | $308,122,750 | 1,987 |
| Average equity | $40,716,750 | 1,786 |
| Average total loans | $262,543,250 | 1,665 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9485% | 3,496 |
| Cost of funding earning assets | 0.4483% | 2,750 |
| Net interest margin | 3.5002% | 3,495 |
| Noninterest income to average assets | 0.4801% | 3,501 |
| Noninterest expense to average assets | 2.3415% | 4,739 |
| Loan and lease loss provision to assets | 0.0405% | 3,308 |
| Net operating income to assets | 0.9519% | 2,624 |
| Return on assets (ROA) | 0.9608% | 2,695 |
| Pretax return on assets | 1.3899% | 2,017 |
| Return on Equity (ROE) | 7.7723% | 3,179 |
| Retained earnings to average equity (ytd only) | 7.7723% | 1,355 |
| Net charge-offs to loans | -0.0563% | 5,586 |
| Credit loss provision to net charge-offs | -90.4110% | 4,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2900% | 4,634 |
| Assets per employee ($millions) | 5.0059% | 2,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 4,116 |
| Loan loss allowance to noncurrent loans | 52.7069% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 1.7825% | 1,299 |
| Noncurrent loans to loans | 2.1701% | 1,106 |
| Net loans and leases to total assets | 81.1999% | 644 |
| Net loans and leases to deposits | 95.8009% | 981 |
| Net loans and leases to core deposits | 98.7225% | 1,590 |
| Total domestic deposits to total assets | 84.7590% | 3,234 |
| Equity capital to assets | 12.6081% | 1,600 |
| Core capital (leverage) ratio | 12.0390% | 1,638 |
| Tier 1 risk-based capital ratio | 14.4902% | 3,642 |
| Total risk-based capital ratio | 15.6291% | 3,631 |
| Memoranda: | ||
| Average total assets | $326,201,000 | 2,040 |
| Average earning assets | $305,585,000 | 2,015 |
| Average equity | $40,322,670 | 1,811 |
| Average total loans | $259,330,000 | 1,690 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8984% | 3,621 |
| Cost of funding earning assets | 0.4461% | 2,814 |
| Net interest margin | 3.4523% | 3,620 |
| Noninterest income to average assets | 0.4703% | 3,500 |
| Noninterest expense to average assets | 2.4470% | 4,458 |
| Loan and lease loss provision to assets | 0.0331% | 3,227 |
| Net operating income to assets | 0.8540% | 2,988 |
| Return on assets (ROA) | 0.8720% | 3,011 |
| Pretax return on assets | 1.2480% | 2,480 |
| Return on Equity (ROE) | 7.1251% | 3,441 |
| Retained earnings to average equity (ytd only) | 7.1251% | 1,962 |
| Net charge-offs to loans | -0.1284% | 5,935 |
| Credit loss provision to net charge-offs | -32.9268% | 4,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0933% | 4,142 |
| Assets per employee ($millions) | 5.0625% | 2,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1958% | 4,008 |
| Loan loss allowance to noncurrent loans | 51.7448% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 1.7766% | 1,380 |
| Noncurrent loans to loans | 2.3109% | 1,067 |
| Net loans and leases to total assets | 75.9577% | 1,215 |
| Net loans and leases to deposits | 89.1007% | 1,493 |
| Net loans and leases to core deposits | 91.7719% | 1,968 |
| Total domestic deposits to total assets | 85.2493% | 3,283 |
| Equity capital to assets | 12.2542% | 1,854 |
| Core capital (leverage) ratio | 11.8880% | 1,709 |
| Tier 1 risk-based capital ratio | 14.9304% | 3,465 |
| Total risk-based capital ratio | 16.1178% | 3,441 |
| Memoranda: | ||
| Average total assets | $326,608,500 | 2,039 |
| Average earning assets | $305,764,500 | 2,016 |
| Average equity | $39,971,500 | 1,831 |
| Average total loans | $255,360,000 | 1,705 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0587% | 3,487 |
| Cost of funding earning assets | 0.4817% | 2,863 |
| Net interest margin | 3.5770% | 3,483 |
| Noninterest income to average assets | 0.4819% | 3,637 |
| Noninterest expense to average assets | 2.3943% | 4,860 |
| Loan and lease loss provision to assets | 0.0512% | 3,541 |
| Net operating income to assets | 0.9655% | 2,556 |
| Return on assets (ROA) | 0.9713% | 2,605 |
| Pretax return on assets | 1.3882% | 1,920 |
| Return on Equity (ROE) | 8.2805% | 2,977 |
| Retained earnings to average equity (ytd only) | 8.2805% | 920 |
| Net charge-offs to loans | -0.0048% | 5,462 |
| Credit loss provision to net charge-offs | -1,383.3333% | 5,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5906% | 4,813 |
| Assets per employee ($millions) | 4.9114% | 2,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1317% | 4,384 |
| Loan loss allowance to noncurrent loans | 51.8855% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 1.7344% | 1,532 |
| Noncurrent loans to loans | 2.1812% | 1,226 |
| Net loans and leases to total assets | 78.6136% | 935 |
| Net loans and leases to deposits | 92.3481% | 1,252 |
| Net loans and leases to core deposits | 94.4147% | 1,880 |
| Total domestic deposits to total assets | 85.1275% | 3,235 |
| Equity capital to assets | 12.2222% | 1,844 |
| Core capital (leverage) ratio | 11.5860% | 1,911 |
| Tier 1 risk-based capital ratio | 14.0996% | 4,030 |
| Total risk-based capital ratio | 15.2014% | 4,056 |
| Memoranda: | ||
| Average total assets | $324,518,200 | 2,001 |
| Average earning assets | $303,323,600 | 1,978 |
| Average equity | $38,065,200 | 1,856 |
| Average total loans | $250,949,600 | 1,682 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0345% | 3,623 |
| Cost of funding earning assets | 0.4887% | 2,876 |
| Net interest margin | 3.5458% | 3,642 |
| Noninterest income to average assets | 0.4884% | 3,627 |
| Noninterest expense to average assets | 2.3807% | 4,882 |
| Loan and lease loss provision to assets | 0.0534% | 3,307 |
| Net operating income to assets | 0.9540% | 2,665 |
| Return on assets (ROA) | 0.9546% | 2,744 |
| Pretax return on assets | 1.3719% | 2,114 |
| Return on Equity (ROE) | 8.2241% | 3,085 |
| Retained earnings to average equity (ytd only) | 8.2241% | 1,255 |
| Net charge-offs to loans | -0.0048% | 5,292 |
| Credit loss provision to net charge-offs | -1,444.4444% | 5,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5648% | 4,799 |
| Assets per employee ($millions) | 4.9193% | 2,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 4,590 |
| Loan loss allowance to noncurrent loans | 51.2830% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 1.7285% | 1,734 |
| Noncurrent loans to loans | 2.2111% | 1,374 |
| Net loans and leases to total assets | 77.2881% | 1,054 |
| Net loans and leases to deposits | 92.1996% | 1,207 |
| Net loans and leases to core deposits | 94.4103% | 1,818 |
| Total domestic deposits to total assets | 83.8269% | 3,826 |
| Equity capital to assets | 11.9880% | 2,069 |
| Core capital (leverage) ratio | 11.3620% | 2,169 |
| Tier 1 risk-based capital ratio | 13.8821% | 4,303 |
| Total risk-based capital ratio | 14.9767% | 4,335 |
| Memoranda: | ||
| Average total assets | $324,609,000 | 2,017 |
| Average earning assets | $303,639,500 | 1,990 |
| Average equity | $37,676,750 | 1,877 |
| Average total loans | $249,250,250 | 1,704 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0252% | 3,636 |
| Cost of funding earning assets | 0.4895% | 2,930 |
| Net interest margin | 3.5357% | 3,629 |
| Noninterest income to average assets | 0.4800% | 3,631 |
| Noninterest expense to average assets | 2.3359% | 5,069 |
| Loan and lease loss provision to assets | 0.0653% | 2,962 |
| Net operating income to assets | 0.9670% | 2,466 |
| Return on assets (ROA) | 0.9674% | 2,554 |
| Pretax return on assets | 1.3907% | 1,927 |
| Return on Equity (ROE) | 8.4269% | 2,884 |
| Retained earnings to average equity (ytd only) | 8.4269% | 1,165 |
| Net charge-offs to loans | -0.0065% | 5,221 |
| Credit loss provision to net charge-offs | -1,325.0000% | 5,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6122% | 5,062 |
| Assets per employee ($millions) | 5.0510% | 2,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 4,759 |
| Loan loss allowance to noncurrent loans | 60.9485% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 1.4480% | 2,249 |
| Noncurrent loans to loans | 1.8557% | 1,851 |
| Net loans and leases to total assets | 77.1500% | 1,029 |
| Net loans and leases to deposits | 94.0305% | 956 |
| Net loans and leases to core deposits | 96.7116% | 1,548 |
| Total domestic deposits to total assets | 82.0479% | 4,633 |
| Equity capital to assets | 11.8095% | 2,145 |
| Core capital (leverage) ratio | 10.9391% | 2,482 |
| Tier 1 risk-based capital ratio | 13.6910% | 4,459 |
| Total risk-based capital ratio | 14.7838% | 4,502 |
| Memoranda: | ||
| Average total assets | $324,587,000 | 2,009 |
| Average earning assets | $303,987,330 | 1,985 |
| Average equity | $37,261,670 | 1,888 |
| Average total loans | $247,729,330 | 1,710 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9591% | 3,861 |
| Cost of funding earning assets | 0.4910% | 3,001 |
| Net interest margin | 3.4682% | 3,832 |
| Noninterest income to average assets | 0.4846% | 3,531 |
| Noninterest expense to average assets | 2.4240% | 4,861 |
| Loan and lease loss provision to assets | 0.0861% | 2,473 |
| Net operating income to assets | 0.8633% | 2,834 |
| Return on assets (ROA) | 0.8633% | 2,895 |
| Pretax return on assets | 1.2237% | 2,377 |
| Return on Equity (ROE) | 7.6295% | 3,131 |
| Retained earnings to average equity (ytd only) | 7.6295% | 1,759 |
| Net charge-offs to loans | -0.0033% | 4,754 |
| Credit loss provision to net charge-offs | -3,500.0000% | 5,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9209% | 4,707 |
| Assets per employee ($millions) | 5.1994% | 2,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 4,984 |
| Loan loss allowance to noncurrent loans | 56.2763% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 1.5011% | 2,352 |
| Noncurrent loans to loans | 2.0084% | 1,857 |
| Net loans and leases to total assets | 73.8960% | 1,287 |
| Net loans and leases to deposits | 85.6041% | 1,644 |
| Net loans and leases to core deposits | 88.4760% | 2,044 |
| Total domestic deposits to total assets | 86.3229% | 3,196 |
| Equity capital to assets | 11.1696% | 2,558 |
| Core capital (leverage) ratio | 10.8754% | 2,515 |
| Tier 1 risk-based capital ratio | 13.4334% | 4,740 |
| Total risk-based capital ratio | 14.5161% | 4,781 |
| Memoranda: | ||
| Average total assets | $325,248,000 | 2,010 |
| Average earning assets | $304,714,500 | 1,983 |
| Average equity | $36,804,500 | 1,902 |
| Average total loans | $245,468,000 | 1,719 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1082% | 3,706 |
| Cost of funding earning assets | 0.6007% | 2,649 |
| Net interest margin | 3.5075% | 3,867 |
| Noninterest income to average assets | 0.4767% | 3,914 |
| Noninterest expense to average assets | 2.3007% | 5,382 |
| Loan and lease loss provision to assets | 0.0440% | 4,241 |
| Net operating income to assets | 0.9637% | 2,499 |
| Return on assets (ROA) | 0.9637% | 2,565 |
| Pretax return on assets | 1.3737% | 1,887 |
| Return on Equity (ROE) | 8.7424% | 2,678 |
| Retained earnings to average equity (ytd only) | 7.6735% | 1,162 |
| Net charge-offs to loans | 0.0224% | 4,982 |
| Credit loss provision to net charge-offs | 269.2308% | 840 |
| Earnings coverage of net charge-offs (x) | 86.7692% | 519 |
| Efficiency ratio | 61.8726% | 5,237 |
| Assets per employee ($millions) | 4.8142% | 2,424 |
| Cash dividends to net income (ytd only)* | 12.2269% | 3,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1308% | 4,993 |
| Loan loss allowance to noncurrent loans | 55.8866% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 1.5425% | 2,416 |
| Noncurrent loans to loans | 2.0233% | 1,964 |
| Net loans and leases to total assets | 75.3738% | 1,170 |
| Net loans and leases to deposits | 90.8721% | 1,168 |
| Net loans and leases to core deposits | 93.1690% | 1,664 |
| Total domestic deposits to total assets | 82.9449% | 4,562 |
| Equity capital to assets | 11.4690% | 2,191 |
| Core capital (leverage) ratio | 10.8510% | 2,524 |
| Tier 1 risk-based capital ratio | 13.5218% | 4,638 |
| Total risk-based capital ratio | 14.6055% | 4,687 |
| Memoranda: | ||
| Average total assets | $318,256,000 | 2,020 |
| Average earning assets | $294,141,600 | 2,015 |
| Average equity | $35,082,000 | 1,966 |
| Average total loans | $232,427,800 | 1,775 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1132% | 3,704 |
| Cost of funding earning assets | 0.6173% | 2,669 |
| Net interest margin | 3.4960% | 3,901 |
| Noninterest income to average assets | 0.4837% | 3,908 |
| Noninterest expense to average assets | 2.3016% | 5,339 |
| Loan and lease loss provision to assets | 0.0461% | 4,090 |
| Net operating income to assets | 0.9485% | 2,605 |
| Return on assets (ROA) | 0.9485% | 2,706 |
| Pretax return on assets | 1.3593% | 2,076 |
| Return on Equity (ROE) | 8.6924% | 2,792 |
| Retained earnings to average equity (ytd only) | 7.7329% | 1,533 |
| Net charge-offs to loans | 0.0023% | 5,167 |
| Credit loss provision to net charge-offs | 2,750.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 839.5028% | 57 |
| Efficiency ratio | 62.0877% | 5,126 |
| Assets per employee ($millions) | 4.8224% | 2,407 |
| Cash dividends to net income (ytd only)* | 11.0377% | 3,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1704% | 5,016 |
| Loan loss allowance to noncurrent loans | 53.8477% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 1.6086% | 2,538 |
| Noncurrent loans to loans | 2.1735% | 2,037 |
| Net loans and leases to total assets | 73.1466% | 1,421 |
| Net loans and leases to deposits | 85.1453% | 1,726 |
| Net loans and leases to core deposits | 87.9299% | 2,201 |
| Total domestic deposits to total assets | 85.9080% | 3,315 |
| Equity capital to assets | 11.2231% | 2,538 |
| Core capital (leverage) ratio | 10.5629% | 2,937 |
| Tier 1 risk-based capital ratio | 13.5448% | 4,727 |
| Total risk-based capital ratio | 14.6596% | 4,770 |
| Memoranda: | ||
| Average total assets | $318,386,250 | 2,026 |
| Average earning assets | $293,549,750 | 2,022 |
| Average equity | $34,742,250 | 2,003 |
| Average total loans | $229,977,750 | 1,791 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0632% | 3,866 |
| Cost of funding earning assets | 0.6259% | 2,723 |
| Net interest margin | 3.4373% | 4,052 |
| Noninterest income to average assets | 0.4799% | 3,962 |
| Noninterest expense to average assets | 2.2630% | 5,467 |
| Loan and lease loss provision to assets | 0.0565% | 3,873 |
| Net operating income to assets | 0.9340% | 2,647 |
| Return on assets (ROA) | 0.9340% | 2,780 |
| Pretax return on assets | 1.3303% | 2,189 |
| Return on Equity (ROE) | 8.6413% | 2,782 |
| Retained earnings to average equity (ytd only) | 7.1885% | 1,800 |
| Net charge-offs to loans | -0.0009% | 5,497 |
| Credit loss provision to net charge-offs | -9,000.0000% | 6,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0031% | 5,172 |
| Assets per employee ($millions) | 4.7045% | 2,505 |
| Cash dividends to net income (ytd only)* | 16.8124% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1490% | 5,249 |
| Loan loss allowance to noncurrent loans | 53.0368% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 1.6161% | 2,688 |
| Noncurrent loans to loans | 2.1664% | 2,220 |
| Net loans and leases to total assets | 73.7406% | 1,293 |
| Net loans and leases to deposits | 86.5421% | 1,509 |
| Net loans and leases to core deposits | 89.4838% | 1,957 |
| Total domestic deposits to total assets | 85.2078% | 3,793 |
| Equity capital to assets | 10.8398% | 2,907 |
| Core capital (leverage) ratio | 10.4293% | 2,960 |
| Tier 1 risk-based capital ratio | 13.1659% | 5,021 |
| Total risk-based capital ratio | 14.2692% | 5,071 |
| Memoranda: | ||
| Average total assets | $318,421,670 | 2,029 |
| Average earning assets | $293,663,670 | 2,022 |
| Average equity | $34,416,000 | 2,021 |
| Average total loans | $228,114,330 | 1,798 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0064% | 4,097 |
| Cost of funding earning assets | 0.6418% | 2,727 |
| Net interest margin | 3.3646% | 4,255 |
| Noninterest income to average assets | 0.4621% | 4,040 |
| Noninterest expense to average assets | 2.3508% | 5,271 |
| Loan and lease loss provision to assets | 0.0252% | 4,155 |
| Net operating income to assets | 0.8424% | 2,937 |
| Return on assets (ROA) | 0.8424% | 3,081 |
| Pretax return on assets | 1.1886% | 2,618 |
| Return on Equity (ROE) | 7.8050% | 3,074 |
| Retained earnings to average equity (ytd only) | 7.8050% | 1,823 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9484% | 4,669 |
| Assets per employee ($millions) | 4.7858% | 2,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 5,249 |
| Loan loss allowance to noncurrent loans | 70.9052% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 1.1945% | 3,581 |
| Noncurrent loans to loans | 1.6686% | 3,041 |
| Net loans and leases to total assets | 70.6274% | 1,563 |
| Net loans and leases to deposits | 81.1167% | 1,942 |
| Net loans and leases to core deposits | 83.3447% | 2,420 |
| Total domestic deposits to total assets | 87.0689% | 2,923 |
| Equity capital to assets | 10.9515% | 3,013 |
| Core capital (leverage) ratio | 10.2235% | 3,116 |
| Tier 1 risk-based capital ratio | 13.5510% | 4,833 |
| Total risk-based capital ratio | 14.6767% | 4,876 |
| Memoranda: | ||
| Average total assets | $317,680,000 | 2,058 |
| Average earning assets | $292,928,000 | 2,058 |
| Average equity | $34,285,500 | 2,056 |
| Average total loans | $222,850,500 | 1,846 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2806% | 4,273 |
| Cost of funding earning assets | 0.8079% | 2,606 |
| Net interest margin | 3.4727% | 4,612 |
| Noninterest income to average assets | 0.4671% | 4,124 |
| Noninterest expense to average assets | 2.3466% | 5,572 |
| Loan and lease loss provision to assets | 0.0331% | 5,480 |
| Net operating income to assets | 0.9154% | 2,741 |
| Return on assets (ROA) | 0.9166% | 2,975 |
| Pretax return on assets | 1.2804% | 2,491 |
| Return on Equity (ROE) | 8.3940% | 2,920 |
| Retained earnings to average equity (ytd only) | 6.7267% | 1,703 |
| Net charge-offs to loans | 0.1272% | 4,414 |
| Credit loss provision to net charge-offs | 38.9105% | 4,952 |
| Earnings coverage of net charge-offs (x) | 15.4202% | 1,652 |
| Efficiency ratio | 64.1422% | 4,856 |
| Assets per employee ($millions) | 4.8408% | 2,430 |
| Cash dividends to net income (ytd only)* | 19.8628% | 3,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2053% | 5,086 |
| Loan loss allowance to noncurrent loans | 58.8719% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 1.4201% | 3,272 |
| Noncurrent loans to loans | 2.0474% | 2,647 |
| Net loans and leases to total assets | 68.0110% | 2,179 |
| Net loans and leases to deposits | 78.0993% | 2,516 |
| Net loans and leases to core deposits | 80.1747% | 2,982 |
| Total domestic deposits to total assets | 87.0827% | 2,793 |
| Equity capital to assets | 10.6353% | 3,356 |
| Core capital (leverage) ratio | 10.0714% | 3,307 |
| Tier 1 risk-based capital ratio | 13.5914% | 4,681 |
| Total risk-based capital ratio | 14.7359% | 4,718 |
| Memoranda: | ||
| Average total assets | $302,092,400 | 2,127 |
| Average earning assets | $277,625,000 | 2,114 |
| Average equity | $32,987,800 | 2,089 |
| Average total loans | $202,087,800 | 1,986 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3098% | 4,416 |
| Cost of funding earning assets | 0.8422% | 2,611 |
| Net interest margin | 3.4676% | 4,769 |
| Noninterest income to average assets | 0.4657% | 4,174 |
| Noninterest expense to average assets | 2.3577% | 5,524 |
| Loan and lease loss provision to assets | 0.0313% | 5,386 |
| Net operating income to assets | 0.8846% | 3,057 |
| Return on assets (ROA) | 0.8862% | 3,289 |
| Pretax return on assets | 1.2740% | 2,697 |
| Return on Equity (ROE) | 8.0593% | 3,259 |
| Retained earnings to average equity (ytd only) | 7.2448% | 1,979 |
| Net charge-offs to loans | 0.1788% | 3,679 |
| Credit loss provision to net charge-offs | 26.4151% | 4,857 |
| Earnings coverage of net charge-offs (x) | 10.9813% | 2,128 |
| Efficiency ratio | 64.4037% | 4,740 |
| Assets per employee ($millions) | 4.7588% | 2,521 |
| Cash dividends to net income (ytd only)* | 10.1061% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2984% | 4,825 |
| Loan loss allowance to noncurrent loans | 54.0658% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 1.6342% | 3,139 |
| Noncurrent loans to loans | 2.4014% | 2,402 |
| Net loans and leases to total assets | 64.2185% | 2,995 |
| Net loans and leases to deposits | 73.8199% | 3,311 |
| Net loans and leases to core deposits | 75.8558% | 3,746 |
| Total domestic deposits to total assets | 86.9935% | 2,672 |
| Equity capital to assets | 10.9003% | 3,379 |
| Core capital (leverage) ratio | 10.3675% | 3,080 |
| Tier 1 risk-based capital ratio | 14.6357% | 4,094 |
| Total risk-based capital ratio | 15.8677% | 4,077 |
| Memoranda: | ||
| Average total assets | $297,742,000 | 2,171 |
| Average earning assets | $274,341,500 | 2,165 |
| Average equity | $32,740,000 | 2,122 |
| Average total loans | $197,624,250 | 2,048 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3399% | 4,419 |
| Cost of funding earning assets | 0.8705% | 2,657 |
| Net interest margin | 3.4694% | 4,802 |
| Noninterest income to average assets | 0.4737% | 4,105 |
| Noninterest expense to average assets | 2.3472% | 5,622 |
| Loan and lease loss provision to assets | 0.0340% | 5,244 |
| Net operating income to assets | 0.8993% | 2,912 |
| Return on assets (ROA) | 0.9017% | 3,169 |
| Pretax return on assets | 1.2964% | 2,566 |
| Return on Equity (ROE) | 8.1754% | 3,180 |
| Retained earnings to average equity (ytd only) | 6.9414% | 2,135 |
| Net charge-offs to loans | 0.2739% | 2,946 |
| Credit loss provision to net charge-offs | 18.5874% | 4,633 |
| Earnings coverage of net charge-offs (x) | 7.2491% | 2,514 |
| Efficiency ratio | 63.8822% | 4,916 |
| Assets per employee ($millions) | 4.5067% | 2,893 |
| Cash dividends to net income (ytd only)* | 15.0943% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3040% | 4,869 |
| Loan loss allowance to noncurrent loans | 56.8511% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 1.6161% | 3,301 |
| Noncurrent loans to loans | 2.2937% | 2,615 |
| Net loans and leases to total assets | 65.8808% | 2,692 |
| Net loans and leases to deposits | 76.2306% | 2,955 |
| Net loans and leases to core deposits | 78.7228% | 3,412 |
| Total domestic deposits to total assets | 86.4231% | 3,122 |
| Equity capital to assets | 11.0933% | 3,024 |
| Core capital (leverage) ratio | 10.2100% | 3,130 |
| Tier 1 risk-based capital ratio | 14.6402% | 4,007 |
| Total risk-based capital ratio | 15.8874% | 3,973 |
| Memoranda: | ||
| Average total assets | $293,882,000 | 2,198 |
| Average earning assets | $271,114,000 | 2,179 |
| Average equity | $32,414,330 | 2,128 |
| Average total loans | $196,414,000 | 2,061 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3712% | 4,443 |
| Cost of funding earning assets | 0.9037% | 2,657 |
| Net interest margin | 3.4675% | 4,836 |
| Noninterest income to average assets | 0.4902% | 3,976 |
| Noninterest expense to average assets | 2.4471% | 5,323 |
| Loan and lease loss provision to assets | 0.0274% | 5,016 |
| Net operating income to assets | 0.8449% | 3,187 |
| Return on assets (ROA) | 0.8449% | 3,425 |
| Pretax return on assets | 1.2051% | 2,894 |
| Return on Equity (ROE) | 7.6828% | 3,418 |
| Retained earnings to average equity (ytd only) | 5.1925% | 3,445 |
| Net charge-offs to loans | 0.5979% | 1,594 |
| Credit loss provision to net charge-offs | 6.8493% | 3,934 |
| Earnings coverage of net charge-offs (x) | 3.0822% | 2,971 |
| Efficiency ratio | 66.5054% | 4,464 |
| Assets per employee ($millions) | 4.5595% | 2,883 |
| Cash dividends to net income (ytd only)* | 32.4149% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2931% | 5,051 |
| Loan loss allowance to noncurrent loans | 62.5709% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 1.4576% | 3,683 |
| Noncurrent loans to loans | 2.0667% | 3,070 |
| Net loans and leases to total assets | 65.3159% | 2,594 |
| Net loans and leases to deposits | 75.4027% | 2,902 |
| Net loans and leases to core deposits | 77.8721% | 3,347 |
| Total domestic deposits to total assets | 86.6228% | 3,162 |
| Equity capital to assets | 10.9057% | 3,021 |
| Core capital (leverage) ratio | 10.2473% | 3,052 |
| Tier 1 risk-based capital ratio | 14.3807% | 4,191 |
| Total risk-based capital ratio | 15.6094% | 4,176 |
| Memoranda: | ||
| Average total assets | $292,103,000 | 2,227 |
| Average earning assets | $268,670,000 | 2,213 |
| Average equity | $32,123,500 | 2,143 |
| Average total loans | $195,348,500 | 2,076 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7042% | 4,229 |
| Cost of funding earning assets | 1.0768% | 2,828 |
| Net interest margin | 3.6274% | 4,623 |
| Noninterest income to average assets | 0.4842% | 3,965 |
| Noninterest expense to average assets | 2.4283% | 5,702 |
| Loan and lease loss provision to assets | 0.1510% | 4,733 |
| Net operating income to assets | 0.8759% | 2,713 |
| Return on assets (ROA) | 0.8759% | 2,850 |
| Pretax return on assets | 1.2501% | 2,297 |
| Return on Equity (ROE) | 7.9776% | 2,912 |
| Retained earnings to average equity (ytd only) | 6.4372% | 1,784 |
| Net charge-offs to loans | -0.0251% | 6,982 |
| Credit loss provision to net charge-offs | -865.3061% | 6,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4124% | 5,229 |
| Assets per employee ($millions) | 4.2961% | 3,255 |
| Cash dividends to net income (ytd only)* | 19.3089% | 3,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4431% | 4,276 |
| Loan loss allowance to noncurrent loans | 71.5961% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 1.4929% | 3,715 |
| Noncurrent loans to loans | 2.0156% | 3,184 |
| Net loans and leases to total assets | 66.6269% | 2,657 |
| Net loans and leases to deposits | 77.3326% | 2,952 |
| Net loans and leases to core deposits | 80.0158% | 3,449 |
| Total domestic deposits to total assets | 86.1564% | 3,226 |
| Equity capital to assets | 11.0917% | 2,899 |
| Core capital (leverage) ratio | 10.2746% | 2,998 |
| Tier 1 risk-based capital ratio | 14.2393% | 4,152 |
| Total risk-based capital ratio | 15.4903% | 4,111 |
| Memoranda: | ||
| Average total assets | $280,852,400 | 2,259 |
| Average earning assets | $259,004,200 | 2,243 |
| Average equity | $30,836,200 | 2,140 |
| Average total loans | $194,952,600 | 2,083 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7348% | 4,300 |
| Cost of funding earning assets | 1.1052% | 2,945 |
| Net interest margin | 3.6296% | 4,658 |
| Noninterest income to average assets | 0.4849% | 4,002 |
| Noninterest expense to average assets | 2.4540% | 5,615 |
| Loan and lease loss provision to assets | 0.1481% | 4,596 |
| Net operating income to assets | 0.8670% | 2,875 |
| Return on assets (ROA) | 0.8670% | 3,020 |
| Pretax return on assets | 1.2353% | 2,503 |
| Return on Equity (ROE) | 7.9177% | 3,069 |
| Retained earnings to average equity (ytd only) | 6.8271% | 2,061 |
| Net charge-offs to loans | -0.0287% | 6,965 |
| Credit loss provision to net charge-offs | -738.0952% | 6,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9487% | 5,080 |
| Assets per employee ($millions) | 4.5309% | 2,863 |
| Cash dividends to net income (ytd only)* | 13.7743% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3310% | 4,865 |
| Loan loss allowance to noncurrent loans | 81.9457% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 1.3120% | 4,179 |
| Noncurrent loans to loans | 1.6242% | 3,864 |
| Net loans and leases to total assets | 69.7853% | 2,119 |
| Net loans and leases to deposits | 81.0196% | 2,520 |
| Net loans and leases to core deposits | 83.4704% | 3,130 |
| Total domestic deposits to total assets | 86.1339% | 3,146 |
| Equity capital to assets | 11.0621% | 3,080 |
| Core capital (leverage) ratio | 10.4350% | 2,953 |
| Tier 1 risk-based capital ratio | 13.6038% | 4,644 |
| Total risk-based capital ratio | 14.8583% | 4,612 |
| Memoranda: | ||
| Average total assets | $279,106,250 | 2,282 |
| Average earning assets | $257,800,500 | 2,263 |
| Average equity | $30,563,750 | 2,164 |
| Average total loans | $195,044,500 | 2,108 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7025% | 4,526 |
| Cost of funding earning assets | 1.1266% | 3,062 |
| Net interest margin | 3.5759% | 4,805 |
| Noninterest income to average assets | 0.4903% | 3,945 |
| Noninterest expense to average assets | 2.5242% | 5,447 |
| Loan and lease loss provision to assets | 0.1444% | 4,499 |
| Net operating income to assets | 0.7993% | 3,081 |
| Return on assets (ROA) | 0.7993% | 3,204 |
| Pretax return on assets | 1.1242% | 2,759 |
| Return on Equity (ROE) | 7.3247% | 3,283 |
| Retained earnings to average equity (ytd only) | 7.3247% | 1,729 |
| Net charge-offs to loans | -0.0228% | 6,855 |
| Credit loss provision to net charge-offs | -909.0909% | 6,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5524% | 4,764 |
| Assets per employee ($millions) | 4.1730% | 3,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2663% | 5,221 |
| Loan loss allowance to noncurrent loans | 77.7676% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 1.3630% | 4,184 |
| Noncurrent loans to loans | 1.6284% | 3,964 |
| Net loans and leases to total assets | 72.3857% | 1,709 |
| Net loans and leases to deposits | 84.6269% | 2,007 |
| Net loans and leases to core deposits | 87.4404% | 2,714 |
| Total domestic deposits to total assets | 85.5351% | 3,606 |
| Equity capital to assets | 11.2694% | 2,707 |
| Core capital (leverage) ratio | 10.2169% | 3,016 |
| Tier 1 risk-based capital ratio | 13.5235% | 4,510 |
| Total risk-based capital ratio | 14.7416% | 4,508 |
| Memoranda: | ||
| Average total assets | $276,993,670 | 2,313 |
| Average earning assets | $255,821,330 | 2,289 |
| Average equity | $30,226,330 | 2,174 |
| Average total loans | $192,764,330 | 2,157 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6040% | 4,926 |
| Cost of funding earning assets | 1.1245% | 3,335 |
| Net interest margin | 3.4796% | 5,102 |
| Noninterest income to average assets | 0.4795% | 4,052 |
| Noninterest expense to average assets | 2.6222% | 5,144 |
| Loan and lease loss provision to assets | 0.1152% | 4,570 |
| Net operating income to assets | 0.6883% | 3,562 |
| Return on assets (ROA) | 0.6883% | 3,633 |
| Pretax return on assets | 0.9504% | 3,317 |
| Return on Equity (ROE) | 6.4117% | 3,668 |
| Retained earnings to average equity (ytd only) | 6.4117% | 2,415 |
| Net charge-offs to loans | -0.0085% | 6,328 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1050% | 4,034 |
| Assets per employee ($millions) | 4.5012% | 2,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2693% | 5,299 |
| Loan loss allowance to noncurrent loans | 62.9456% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 1.5255% | 3,963 |
| Noncurrent loans to loans | 2.0165% | 3,556 |
| Net loans and leases to total assets | 66.3518% | 2,916 |
| Net loans and leases to deposits | 76.6866% | 3,301 |
| Net loans and leases to core deposits | 78.9635% | 3,898 |
| Total domestic deposits to total assets | 86.5233% | 3,223 |
| Equity capital to assets | 10.6130% | 3,070 |
| Core capital (leverage) ratio | 10.1075% | 3,020 |
| Tier 1 risk-based capital ratio | 13.7872% | 4,222 |
| Total risk-based capital ratio | 14.9887% | 4,219 |
| Memoranda: | ||
| Average total assets | $277,781,000 | 2,321 |
| Average earning assets | $256,123,000 | 2,303 |
| Average equity | $29,820,500 | 2,190 |
| Average total loans | $188,186,000 | 2,209 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1363% | 3,923 |
| Cost of funding earning assets | 1.2637% | 4,116 |
| Net interest margin | 3.8726% | 3,627 |
| Noninterest income to average assets | 0.6939% | 2,874 |
| Noninterest expense to average assets | 2.5983% | 5,422 |
| Loan and lease loss provision to assets | 0.4108% | 3,641 |
| Net operating income to assets | 0.8525% | 2,577 |
| Return on assets (ROA) | 0.8525% | 2,714 |
| Pretax return on assets | 1.2098% | 2,194 |
| Return on Equity (ROE) | 8.0528% | 2,682 |
| Retained earnings to average equity (ytd only) | 7.6968% | 1,079 |
| Net charge-offs to loans | 0.6664% | 3,013 |
| Credit loss provision to net charge-offs | 87.0607% | 5,241 |
| Earnings coverage of net charge-offs (x) | 3.4345% | 3,356 |
| Efficiency ratio | 61.5866% | 5,793 |
| Assets per employee ($millions) | 4.5331% | 2,804 |
| Cash dividends to net income (ytd only)* | 4.4209% | 3,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 5,214 |
| Loan loss allowance to noncurrent loans | 66.3164% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 1.4721% | 4,114 |
| Noncurrent loans to loans | 1.8951% | 3,692 |
| Net loans and leases to total assets | 67.4521% | 3,115 |
| Net loans and leases to deposits | 78.2648% | 3,470 |
| Net loans and leases to core deposits | 80.6215% | 4,113 |
| Total domestic deposits to total assets | 86.1845% | 3,255 |
| Equity capital to assets | 10.8628% | 2,806 |
| Core capital (leverage) ratio | 10.2051% | 2,857 |
| Tier 1 risk-based capital ratio | 13.9450% | 3,905 |
| Total risk-based capital ratio | 15.1386% | 3,917 |
| Memoranda: | ||
| Average total assets | $265,331,000 | 2,396 |
| Average earning assets | $241,516,200 | 2,412 |
| Average equity | $28,089,600 | 2,306 |
| Average total loans | $187,873,600 | 2,266 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1018% | 4,301 |
| Cost of funding earning assets | 1.2976% | 4,233 |
| Net interest margin | 3.8042% | 3,955 |
| Noninterest income to average assets | 0.5406% | 3,857 |
| Noninterest expense to average assets | 2.6593% | 5,067 |
| Loan and lease loss provision to assets | 0.4905% | 3,017 |
| Net operating income to assets | 0.6250% | 3,773 |
| Return on assets (ROA) | 0.6250% | 3,944 |
| Pretax return on assets | 0.8465% | 3,748 |
| Return on Equity (ROE) | 5.9438% | 3,844 |
| Retained earnings to average equity (ytd only) | 5.9438% | 2,391 |
| Net charge-offs to loans | 0.8861% | 2,228 |
| Credit loss provision to net charge-offs | 77.4760% | 5,211 |
| Earnings coverage of net charge-offs (x) | 2.1118% | 4,142 |
| Efficiency ratio | 66.5444% | 4,741 |
| Assets per employee ($millions) | 4.2932% | 3,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1775% | 5,604 |
| Loan loss allowance to noncurrent loans | 38.1436% | 5,772 |
| Noncurrent assets plus other real estate owned to assets | 2.3409% | 3,036 |
| Noncurrent loans to loans | 3.0870% | 2,585 |
| Net loans and leases to total assets | 69.8389% | 2,766 |
| Net loans and leases to deposits | 81.2495% | 3,227 |
| Net loans and leases to core deposits | 83.3679% | 4,040 |
| Total domestic deposits to total assets | 85.9562% | 3,099 |
| Equity capital to assets | 10.8734% | 3,086 |
| Core capital (leverage) ratio | 10.0705% | 3,180 |
| Tier 1 risk-based capital ratio | 13.3097% | 4,346 |
| Total risk-based capital ratio | 14.4284% | 4,419 |
| Memoranda: | ||
| Average total assets | $263,667,750 | 2,459 |
| Average earning assets | $239,515,750 | 2,468 |
| Average equity | $27,725,750 | 2,361 |
| Average total loans | $188,393,500 | 2,298 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1270% | 4,314 |
| Cost of funding earning assets | 1.3335% | 4,306 |
| Net interest margin | 3.7935% | 3,924 |
| Noninterest income to average assets | 0.5502% | 3,716 |
| Noninterest expense to average assets | 2.6405% | 5,163 |
| Loan and lease loss provision to assets | 0.3576% | 3,569 |
| Net operating income to assets | 0.7122% | 3,353 |
| Return on assets (ROA) | 0.7122% | 3,505 |
| Pretax return on assets | 0.9809% | 3,200 |
| Return on Equity (ROE) | 6.8521% | 3,371 |
| Retained earnings to average equity (ytd only) | 6.8521% | 1,904 |
| Net charge-offs to loans | 1.0706% | 1,757 |
| Credit loss provision to net charge-offs | 46.5808% | 5,494 |
| Earnings coverage of net charge-offs (x) | 1.7433% | 4,210 |
| Efficiency ratio | 66.3607% | 4,917 |
| Assets per employee ($millions) | 4.0110% | 3,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 6,187 |
| Loan loss allowance to noncurrent loans | 33.5217% | 6,132 |
| Noncurrent assets plus other real estate owned to assets | 2.4092% | 2,984 |
| Noncurrent loans to loans | 3.1262% | 2,573 |
| Net loans and leases to total assets | 70.9140% | 2,683 |
| Net loans and leases to deposits | 82.3744% | 3,205 |
| Net loans and leases to core deposits | 85.0067% | 3,995 |
| Total domestic deposits to total assets | 86.0874% | 3,035 |
| Equity capital to assets | 10.9285% | 2,939 |
| Core capital (leverage) ratio | 9.8787% | 3,301 |
| Tier 1 risk-based capital ratio | 13.2610% | 4,239 |
| Total risk-based capital ratio | 14.2576% | 4,391 |
| Memoranda: | ||
| Average total assets | $262,830,000 | 2,483 |
| Average earning assets | $237,567,330 | 2,510 |
| Average equity | $27,320,000 | 2,386 |
| Average total loans | $188,487,000 | 2,326 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1488% | 4,303 |
| Cost of funding earning assets | 1.3887% | 4,252 |
| Net interest margin | 3.7601% | 3,961 |
| Noninterest income to average assets | 0.5533% | 3,627 |
| Noninterest expense to average assets | 2.7860% | 4,536 |
| Loan and lease loss provision to assets | 0.5002% | 2,495 |
| Net operating income to assets | 0.4957% | 4,408 |
| Return on assets (ROA) | 0.4957% | 4,547 |
| Pretax return on assets | 0.6366% | 4,466 |
| Return on Equity (ROE) | 4.8926% | 4,420 |
| Retained earnings to average equity (ytd only) | 4.8926% | 3,212 |
| Net charge-offs to loans | 2.1362% | 796 |
| Credit loss provision to net charge-offs | 32.6409% | 4,771 |
| Earnings coverage of net charge-offs (x) | 0.7418% | 4,366 |
| Efficiency ratio | 71.0201% | 4,114 |
| Assets per employee ($millions) | 4.1915% | 3,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9731% | 6,584 |
| Loan loss allowance to noncurrent loans | 31.8317% | 6,294 |
| Noncurrent assets plus other real estate owned to assets | 2.3511% | 3,091 |
| Noncurrent loans to loans | 3.0570% | 2,619 |
| Net loans and leases to total assets | 68.8910% | 3,181 |
| Net loans and leases to deposits | 79.6045% | 3,726 |
| Net loans and leases to core deposits | 83.2462% | 4,305 |
| Total domestic deposits to total assets | 86.5416% | 2,880 |
| Equity capital to assets | 10.3595% | 3,396 |
| Core capital (leverage) ratio | 9.7339% | 3,472 |
| Tier 1 risk-based capital ratio | 12.8081% | 4,472 |
| Total risk-based capital ratio | 13.7222% | 4,726 |
| Memoranda: | ||
| Average total assets | $263,888,500 | 2,529 |
| Average earning assets | $236,481,000 | 2,572 |
| Average equity | $26,734,000 | 2,452 |
| Average total loans | $189,310,500 | 2,384 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7033% | 3,092 |
| Cost of funding earning assets | 1.6904% | 4,569 |
| Net interest margin | 4.0129% | 2,815 |
| Noninterest income to average assets | 0.5565% | 3,971 |
| Noninterest expense to average assets | 2.8247% | 4,865 |
| Loan and lease loss provision to assets | 0.2877% | 5,129 |
| Net operating income to assets | 0.7539% | 2,702 |
| Return on assets (ROA) | 0.7998% | 2,625 |
| Pretax return on assets | 1.1045% | 2,236 |
| Return on Equity (ROE) | 8.3631% | 2,251 |
| Retained earnings to average equity (ytd only) | 7.1516% | 920 |
| Net charge-offs to loans | 0.2494% | 5,065 |
| Credit loss provision to net charge-offs | 155.5324% | 2,919 |
| Earnings coverage of net charge-offs (x) | 7.1816% | 2,204 |
| Efficiency ratio | 68.0119% | 5,003 |
| Assets per employee ($millions) | 4.1194% | 3,572 |
| Cash dividends to net income (ytd only)* | 14.4858% | 3,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 4,765 |
| Loan loss allowance to noncurrent loans | 38.5935% | 5,852 |
| Noncurrent assets plus other real estate owned to assets | 2.7250% | 2,564 |
| Noncurrent loans to loans | 3.3698% | 2,266 |
| Net loans and leases to total assets | 73.0206% | 2,506 |
| Net loans and leases to deposits | 84.6101% | 3,161 |
| Net loans and leases to core deposits | 99.2817% | 4,082 |
| Total domestic deposits to total assets | 86.3024% | 2,870 |
| Equity capital to assets | 9.8944% | 3,899 |
| Core capital (leverage) ratio | 8.9881% | 4,442 |
| Tier 1 risk-based capital ratio | 11.6439% | 5,252 |
| Total risk-based capital ratio | 12.8909% | 5,211 |
| Memoranda: | ||
| Average total assets | $258,931,400 | 2,526 |
| Average earning assets | $232,074,400 | 2,576 |
| Average equity | $24,763,600 | 2,637 |
| Average total loans | $192,088,400 | 2,377 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7279% | 3,200 |
| Cost of funding earning assets | 1.7250% | 4,773 |
| Net interest margin | 4.0028% | 2,809 |
| Noninterest income to average assets | 0.5740% | 3,901 |
| Noninterest expense to average assets | 2.9249% | 4,341 |
| Loan and lease loss provision to assets | 0.1881% | 5,494 |
| Net operating income to assets | 0.7682% | 2,946 |
| Return on assets (ROA) | 0.7682% | 3,009 |
| Pretax return on assets | 1.0763% | 2,650 |
| Return on Equity (ROE) | 8.1025% | 2,597 |
| Retained earnings to average equity (ytd only) | 6.4722% | 1,722 |
| Net charge-offs to loans | 0.2589% | 4,430 |
| Credit loss provision to net charge-offs | 97.8552% | 5,223 |
| Earnings coverage of net charge-offs (x) | 6.5791% | 2,576 |
| Efficiency ratio | 69.8192% | 4,626 |
| Assets per employee ($millions) | 4.0172% | 3,694 |
| Cash dividends to net income (ytd only)* | 20.1207% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1802% | 5,223 |
| Loan loss allowance to noncurrent loans | 31.9076% | 6,316 |
| Noncurrent assets plus other real estate owned to assets | 2.8777% | 2,416 |
| Noncurrent loans to loans | 3.6988% | 2,018 |
| Net loans and leases to total assets | 71.2847% | 3,202 |
| Net loans and leases to deposits | 83.1658% | 3,801 |
| Net loans and leases to core deposits | 98.6323% | 4,533 |
| Total domestic deposits to total assets | 85.7140% | 2,852 |
| Equity capital to assets | 9.6965% | 4,500 |
| Core capital (leverage) ratio | 8.7708% | 5,019 |
| Tier 1 risk-based capital ratio | 11.4426% | 5,487 |
| Total risk-based capital ratio | 12.5614% | 5,572 |
| Memoranda: | ||
| Average total assets | $258,784,250 | 2,539 |
| Average earning assets | $233,728,500 | 2,576 |
| Average equity | $24,535,000 | 2,686 |
| Average total loans | $192,110,500 | 2,405 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8290% | 2,906 |
| Cost of funding earning assets | 1.7537% | 4,987 |
| Net interest margin | 4.0753% | 2,416 |
| Noninterest income to average assets | 0.5705% | 3,892 |
| Noninterest expense to average assets | 2.9511% | 4,285 |
| Loan and lease loss provision to assets | 0.1783% | 5,266 |
| Net operating income to assets | 0.8031% | 2,845 |
| Return on assets (ROA) | 0.8031% | 2,937 |
| Pretax return on assets | 1.1287% | 2,542 |
| Return on Equity (ROE) | 8.5360% | 2,555 |
| Retained earnings to average equity (ytd only) | 6.0642% | 1,989 |
| Net charge-offs to loans | 0.3424% | 3,467 |
| Credit loss provision to net charge-offs | 69.4864% | 5,424 |
| Earnings coverage of net charge-offs (x) | 5.0937% | 2,919 |
| Efficiency ratio | 69.3064% | 4,919 |
| Assets per employee ($millions) | 3.9272% | 3,825 |
| Cash dividends to net income (ytd only)* | 28.9575% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 5,571 |
| Loan loss allowance to noncurrent loans | 137.5969% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.8237% | 5,341 |
| Noncurrent loans to loans | 0.8026% | 5,627 |
| Net loans and leases to total assets | 73.5915% | 2,815 |
| Net loans and leases to deposits | 86.6174% | 3,434 |
| Net loans and leases to core deposits | 102.9234% | 4,190 |
| Total domestic deposits to total assets | 84.9616% | 3,283 |
| Equity capital to assets | 9.4936% | 4,615 |
| Core capital (leverage) ratio | 8.6565% | 5,171 |
| Tier 1 risk-based capital ratio | 10.9730% | 5,901 |
| Total risk-based capital ratio | 12.0219% | 6,044 |
| Memoranda: | ||
| Average total assets | $258,007,330 | 2,557 |
| Average earning assets | $233,454,330 | 2,590 |
| Average equity | $24,273,670 | 2,725 |
| Average total loans | $193,361,330 | 2,422 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8914% | 2,842 |
| Cost of funding earning assets | 1.7574% | 5,322 |
| Net interest margin | 4.1340% | 2,147 |
| Noninterest income to average assets | 0.5920% | 3,609 |
| Noninterest expense to average assets | 2.7069% | 4,973 |
| Loan and lease loss provision to assets | 0.1865% | 4,575 |
| Net operating income to assets | 0.9867% | 2,373 |
| Return on assets (ROA) | 0.9867% | 2,506 |
| Pretax return on assets | 1.4234% | 1,900 |
| Return on Equity (ROE) | 10.5364% | 2,113 |
| Retained earnings to average equity (ytd only) | 10.5364% | 1,066 |
| Net charge-offs to loans | 0.3037% | 2,894 |
| Credit loss provision to net charge-offs | 81.6327% | 4,168 |
| Earnings coverage of net charge-offs (x) | 7.0476% | 2,397 |
| Efficiency ratio | 62.7070% | 5,929 |
| Assets per employee ($millions) | 3.8381% | 3,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1535% | 5,098 |
| Loan loss allowance to noncurrent loans | 130.7236% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.8995% | 4,935 |
| Noncurrent loans to loans | 0.8824% | 5,242 |
| Net loans and leases to total assets | 73.4418% | 2,905 |
| Net loans and leases to deposits | 85.2491% | 3,766 |
| Net loans and leases to core deposits | 100.6427% | 4,481 |
| Total domestic deposits to total assets | 86.1497% | 2,638 |
| Equity capital to assets | 9.5230% | 4,634 |
| Core capital (leverage) ratio | 8.8007% | 4,986 |
| Tier 1 risk-based capital ratio | 11.0523% | 5,859 |
| Total risk-based capital ratio | 12.1505% | 5,902 |
| Memoranda: | ||
| Average total assets | $257,412,500 | 2,570 |
| Average earning assets | $231,931,000 | 2,621 |
| Average equity | $24,107,000 | 2,755 |
| Average total loans | $193,603,500 | 2,435 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2929% | 3,997 |
| Cost of funding earning assets | 2.2746% | 5,268 |
| Net interest margin | 4.0183% | 3,032 |
| Noninterest income to average assets | 0.6065% | 3,796 |
| Noninterest expense to average assets | 2.6411% | 5,481 |
| Loan and lease loss provision to assets | 0.3711% | 3,457 |
| Net operating income to assets | 0.8413% | 3,259 |
| Return on assets (ROA) | 0.8935% | 2,870 |
| Pretax return on assets | 1.2578% | 2,451 |
| Return on Equity (ROE) | 9.7820% | 2,335 |
| Retained earnings to average equity (ytd only) | 5.4364% | 1,792 |
| Net charge-offs to loans | 0.1511% | 4,695 |
| Credit loss provision to net charge-offs | 336.3309% | 1,346 |
| Earnings coverage of net charge-offs (x) | 14.0971% | 2,074 |
| Efficiency ratio | 62.9339% | 5,790 |
| Assets per employee ($millions) | 4.0261% | 3,457 |
| Cash dividends to net income (ytd only)* | 44.4247% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1374% | 5,010 |
| Loan loss allowance to noncurrent loans | 243.8251% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.6217% | 5,336 |
| Noncurrent loans to loans | 0.4665% | 5,948 |
| Net loans and leases to total assets | 75.2562% | 2,818 |
| Net loans and leases to deposits | 92.2503% | 3,088 |
| Net loans and leases to core deposits | 106.6717% | 4,117 |
| Total domestic deposits to total assets | 81.5783% | 4,376 |
| Equity capital to assets | 9.2075% | 5,064 |
| Core capital (leverage) ratio | 8.6587% | 5,269 |
| Tier 1 risk-based capital ratio | 10.5076% | 6,204 |
| Total risk-based capital ratio | 11.5957% | 6,244 |
| Memoranda: | ||
| Average total assets | $251,944,400 | 2,546 |
| Average earning assets | $225,094,000 | 2,598 |
| Average equity | $23,011,600 | 2,846 |
| Average total loans | $184,005,400 | 2,461 |