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 | 4.4776% | 3,130 |
| Cost of funding earning assets | 1.0673% | 3,153 |
| Net interest margin | 3.4104% | 2,387 |
| Noninterest income to average assets | 0.9000% | 766 |
| Noninterest expense to average assets | 2.6834% | 1,780 |
| Loan and lease loss provision to assets | 0.4500% | 209 |
| Net operating income to assets | 0.7731% | 2,969 |
| Return on assets (ROA) | 0.7731% | 2,943 |
| Pretax return on assets | 0.9512% | 2,811 |
| Return on Equity (ROE) | 9.4500% | 2,646 |
| Retained earnings to average equity (ytd only) | -0.2904% | 4,121 |
| Net charge-offs to loans | 0.3810% | 276 |
| Credit loss provision to net charge-offs | 165.5288% | 1,380 |
| Earnings coverage of net charge-offs (x) | 5.3948% | 2,530 |
| Efficiency ratio | 65.7364% | 2,383 |
| Assets per employee ($millions) | 6.5722% | 2,364 |
| Cash dividends to net income (ytd only)* | 103.0735% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2352% | 2,091 |
| Loan loss allowance to noncurrent loans | 164.3200% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.5133% | 1,094 |
| Noncurrent loans to loans | 0.7517% | 1,039 |
| Net loans and leases to total assets | 67.4500% | 2,096 |
| Net loans and leases to deposits | 76.4314% | 2,410 |
| Net loans and leases to core deposits | 78.1999% | 2,824 |
| Total domestic deposits to total assets | 88.2400% | 1,273 |
| Equity capital to assets | 7.9119% | 3,474 |
| Core capital (leverage) ratio | 9.3081% | 3,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0530% | 1,851 |
| Memoranda: | ||
| Average total assets | $1,380,495,200 | 759 |
| Average earning assets | $1,289,069,400 | 744 |
| Average equity | $112,943,600 | 866 |
| Average total loans | $938,122,600 | 766 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4239% | 3,055 |
| Cost of funding earning assets | 0.9829% | 3,080 |
| Net interest margin | 3.4410% | 2,360 |
| Noninterest income to average assets | 0.9000% | 762 |
| Noninterest expense to average assets | 2.7253% | 1,595 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.0975% | 2,066 |
| Return on assets (ROA) | 1.0975% | 2,049 |
| Pretax return on assets | 1.3618% | 1,866 |
| Return on Equity (ROE) | 13.3000% | 1,845 |
| Retained earnings to average equity (ytd only) | 7.9962% | 1,967 |
| Net charge-offs to loans | 0.1291% | 625 |
| Credit loss provision to net charge-offs | 18.3130% | 2,019 |
| Earnings coverage of net charge-offs (x) | 15.7603% | 1,951 |
| Efficiency ratio | 66.3319% | 2,234 |
| Assets per employee ($millions) | 6.5661% | 2,277 |
| Cash dividends to net income (ytd only)* | 39.8830% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9340% | 3,619 |
| Loan loss allowance to noncurrent loans | 255.1922% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.2552% | 1,994 |
| Noncurrent loans to loans | 0.3660% | 1,921 |
| Net loans and leases to total assets | 69.0900% | 1,938 |
| Net loans and leases to deposits | 75.5732% | 2,453 |
| Net loans and leases to core deposits | 77.2218% | 2,781 |
| Total domestic deposits to total assets | 91.4200% | 575 |
| Equity capital to assets | 8.2740% | 2,869 |
| Core capital (leverage) ratio | 9.9626% | 2,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7966% | 1,632 |
| Memoranda: | ||
| Average total assets | $1,370,721,000 | 764 |
| Average earning assets | $1,279,205,750 | 749 |
| Average equity | $113,100,250 | 861 |
| Average total loans | $930,295,750 | 772 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3433% | 3,012 |
| Cost of funding earning assets | 0.8778% | 2,997 |
| Net interest margin | 3.4655% | 2,357 |
| Noninterest income to average assets | 0.8900% | 698 |
| Noninterest expense to average assets | 2.6717% | 1,714 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.1543% | 1,959 |
| Return on assets (ROA) | 1.1543% | 1,956 |
| Pretax return on assets | 1.4343% | 1,738 |
| Return on Equity (ROE) | 14.0000% | 1,683 |
| Retained earnings to average equity (ytd only) | 8.6995% | 1,764 |
| Net charge-offs to loans | 0.1775% | 443 |
| Credit loss provision to net charge-offs | 5.4945% | 1,808 |
| Earnings coverage of net charge-offs (x) | 12.1392% | 1,947 |
| Efficiency ratio | 64.8064% | 2,398 |
| Assets per employee ($millions) | 6.8731% | 2,022 |
| Cash dividends to net income (ytd only)* | 37.8740% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9523% | 3,605 |
| Loan loss allowance to noncurrent loans | 980.9524% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 3,079 |
| Noncurrent loans to loans | 0.0971% | 3,010 |
| Net loans and leases to total assets | 67.0200% | 2,055 |
| Net loans and leases to deposits | 73.3860% | 2,551 |
| Net loans and leases to core deposits | 74.9472% | 2,833 |
| Total domestic deposits to total assets | 91.3300% | 546 |
| Equity capital to assets | 8.3572% | 2,986 |
| Core capital (leverage) ratio | 9.7157% | 3,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8802% | 1,603 |
| Memoranda: | ||
| Average total assets | $1,372,377,000 | 750 |
| Average earning assets | $1,280,722,000 | 740 |
| Average equity | $113,132,667 | 854 |
| Average total loans | $922,894,667 | 768 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2308% | 2,977 |
| Cost of funding earning assets | 0.6930% | 3,073 |
| Net interest margin | 3.5377% | 2,265 |
| Noninterest income to average assets | 0.8400% | 789 |
| Noninterest expense to average assets | 2.6472% | 1,821 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2042% | 1,922 |
| Return on assets (ROA) | 1.2042% | 1,881 |
| Pretax return on assets | 1.4897% | 1,692 |
| Return on Equity (ROE) | 14.7100% | 1,622 |
| Retained earnings to average equity (ytd only) | 9.3641% | 1,847 |
| Net charge-offs to loans | 0.3990% | 200 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 5.5692% | 1,806 |
| Efficiency ratio | 63.9543% | 2,470 |
| Assets per employee ($millions) | 6.8644% | 2,067 |
| Cash dividends to net income (ytd only)* | 36.3372% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9496% | 3,718 |
| Loan loss allowance to noncurrent loans | 532.1734% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.1327% | 2,587 |
| Noncurrent loans to loans | 0.1784% | 2,586 |
| Net loans and leases to total assets | 66.2300% | 2,037 |
| Net loans and leases to deposits | 72.4621% | 2,433 |
| Net loans and leases to core deposits | 73.6926% | 2,700 |
| Total domestic deposits to total assets | 91.4000% | 673 |
| Equity capital to assets | 8.2918% | 3,044 |
| Core capital (leverage) ratio | 9.7020% | 2,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8814% | 1,659 |
| Memoranda: | ||
| Average total assets | $1,371,255,500 | 768 |
| Average earning assets | $1,279,014,000 | 756 |
| Average equity | $112,259,000 | 866 |
| Average total loans | $919,244,500 | 777 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7957% | 2,293 |
| Cost of funding earning assets | 0.2515% | 3,310 |
| Net interest margin | 3.5442% | 1,803 |
| Noninterest income to average assets | 1.0900% | 554 |
| Noninterest expense to average assets | 2.5427% | 1,986 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.3993% | 1,133 |
| Return on assets (ROA) | 1.2828% | 1,448 |
| Pretax return on assets | 1.5869% | 1,197 |
| Return on Equity (ROE) | 16.2100% | 1,012 |
| Retained earnings to average equity (ytd only) | 10.7655% | 941 |
| Net charge-offs to loans | 0.0130% | 1,891 |
| Credit loss provision to net charge-offs | 1,622.8070% | 305 |
| Earnings coverage of net charge-offs (x) | 227.6316% | 589 |
| Efficiency ratio | 57.6742% | 3,385 |
| Assets per employee ($millions) | 6.6487% | 2,218 |
| Cash dividends to net income (ytd only)* | 33.5927% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8089% | 4,008 |
| Loan loss allowance to noncurrent loans | 278.5634% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.2086% | 2,123 |
| Noncurrent loans to loans | 0.2904% | 2,104 |
| Net loans and leases to total assets | 66.6700% | 1,962 |
| Net loans and leases to deposits | 72.8102% | 2,344 |
| Net loans and leases to core deposits | 73.8725% | 2,576 |
| Total domestic deposits to total assets | 91.5600% | 767 |
| Equity capital to assets | 8.0811% | 3,012 |
| Core capital (leverage) ratio | 9.5662% | 3,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6007% | 1,765 |
| Memoranda: | ||
| Average total assets | $1,392,398,400 | 749 |
| Average earning assets | $1,301,327,400 | 732 |
| Average equity | $110,176,400 | 881 |
| Average total loans | $873,733,200 | 765 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6349% | 2,245 |
| Cost of funding earning assets | 0.1714% | 3,609 |
| Net interest margin | 3.4635% | 1,767 |
| Noninterest income to average assets | 0.8400% | 949 |
| Noninterest expense to average assets | 2.5121% | 1,984 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.2255% | 1,608 |
| Return on assets (ROA) | 1.2255% | 1,578 |
| Pretax return on assets | 1.5156% | 1,372 |
| Return on Equity (ROE) | 15.5700% | 1,064 |
| Retained earnings to average equity (ytd only) | 10.1176% | 1,313 |
| Net charge-offs to loans | 0.0028% | 2,150 |
| Credit loss provision to net charge-offs | 3,333.3333% | 167 |
| Earnings coverage of net charge-offs (x) | 916.2222% | 171 |
| Efficiency ratio | 61.4652% | 2,905 |
| Assets per employee ($millions) | 6.6382% | 2,209 |
| Cash dividends to net income (ytd only)* | 35.0167% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6941% | 4,260 |
| Loan loss allowance to noncurrent loans | 721.5596% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.1774% | 2,398 |
| Noncurrent loans to loans | 0.0962% | 3,189 |
| Net loans and leases to total assets | 65.2000% | 1,961 |
| Net loans and leases to deposits | 70.5893% | 2,315 |
| Net loans and leases to core deposits | 71.6042% | 2,515 |
| Total domestic deposits to total assets | 92.3600% | 762 |
| Equity capital to assets | 7.3769% | 3,285 |
| Core capital (leverage) ratio | 9.2685% | 3,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1824% | 1,980 |
| Memoranda: | ||
| Average total assets | $1,398,088,250 | 751 |
| Average earning assets | $1,307,841,500 | 736 |
| Average equity | $110,050,000 | 900 |
| Average total loans | $862,036,000 | 771 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4756% | 2,204 |
| Cost of funding earning assets | 0.1145% | 4,026 |
| Net interest margin | 3.3611% | 1,713 |
| Noninterest income to average assets | 0.8202% | 1,000 |
| Noninterest expense to average assets | 2.4658% | 2,038 |
| Loan and lease loss provision to assets | 0.0570% | 1,561 |
| Net operating income to assets | 1.1666% | 1,553 |
| Return on assets (ROA) | 1.1666% | 1,523 |
| Pretax return on assets | 1.4473% | 1,316 |
| Return on Equity (ROE) | 14.5219% | 993 |
| Retained earnings to average equity (ytd only) | 9.2019% | 1,229 |
| Net charge-offs to loans | -0.0217% | 3,909 |
| Credit loss provision to net charge-offs | -434.7826% | 3,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0770% | 3,038 |
| Assets per employee ($millions) | 6.8895% | 2,011 |
| Cash dividends to net income (ytd only)* | 36.6345% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7047% | 4,325 |
| Loan loss allowance to noncurrent loans | 1,161.4232% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.1557% | 2,617 |
| Noncurrent loans to loans | 0.0607% | 3,497 |
| Net loans and leases to total assets | 61.8748% | 2,137 |
| Net loans and leases to deposits | 66.9804% | 2,469 |
| Net loans and leases to core deposits | 67.8787% | 2,665 |
| Total domestic deposits to total assets | 92.3774% | 697 |
| Equity capital to assets | 7.3741% | 3,548 |
| Core capital (leverage) ratio | 8.8670% | 3,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2306% | 1,964 |
| Memoranda: | ||
| Average total assets | $1,403,870,000 | 741 |
| Average earning assets | $1,315,623,667 | 732 |
| Average equity | $112,781,333 | 884 |
| Average total loans | $847,210,000 | 771 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3577% | 2,219 |
| Cost of funding earning assets | 0.1036% | 4,090 |
| Net interest margin | 3.2541% | 1,703 |
| Noninterest income to average assets | 0.7939% | 1,059 |
| Noninterest expense to average assets | 2.4264% | 2,085 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1463% | 1,389 |
| Return on assets (ROA) | 1.1463% | 1,387 |
| Pretax return on assets | 1.4209% | 1,198 |
| Return on Equity (ROE) | 13.7013% | 888 |
| Retained earnings to average equity (ytd only) | 8.5774% | 1,402 |
| Net charge-offs to loans | -0.0568% | 4,301 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0293% | 3,143 |
| Assets per employee ($millions) | 7.0094% | 1,993 |
| Cash dividends to net income (ytd only)* | 37.3972% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6968% | 4,387 |
| Loan loss allowance to noncurrent loans | 266.9721% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.2790% | 2,013 |
| Noncurrent loans to loans | 0.2610% | 2,541 |
| Net loans and leases to total assets | 58.6622% | 2,220 |
| Net loans and leases to deposits | 63.8407% | 2,542 |
| Net loans and leases to core deposits | 64.7403% | 2,739 |
| Total domestic deposits to total assets | 91.8884% | 622 |
| Equity capital to assets | 7.8560% | 3,679 |
| Core capital (leverage) ratio | 8.5960% | 3,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4438% | 2,020 |
| Memoranda: | ||
| Average total assets | $1,399,631,000 | 747 |
| Average earning assets | $1,313,277,000 | 736 |
| Average equity | $117,098,000 | 880 |
| Average total loans | $830,770,500 | 776 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4469% | 2,809 |
| Cost of funding earning assets | 0.1313% | 4,142 |
| Net interest margin | 3.3156% | 2,266 |
| Noninterest income to average assets | 0.9109% | 1,175 |
| Noninterest expense to average assets | 2.8270% | 1,296 |
| Loan and lease loss provision to assets | -0.0566% | 4,390 |
| Net operating income to assets | 1.0026% | 2,655 |
| Return on assets (ROA) | 1.0052% | 2,717 |
| Pretax return on assets | 1.2569% | 2,495 |
| Return on Equity (ROE) | 11.1336% | 2,118 |
| Retained earnings to average equity (ytd only) | 5.3434% | 2,647 |
| Net charge-offs to loans | 0.1592% | 604 |
| Credit loss provision to net charge-offs | -57.7778% | 3,272 |
| Earnings coverage of net charge-offs (x) | 12.2124% | 2,124 |
| Efficiency ratio | 70.1910% | 1,710 |
| Assets per employee ($millions) | 6.8484% | 2,032 |
| Cash dividends to net income (ytd only)* | 52.0066% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6920% | 4,439 |
| Loan loss allowance to noncurrent loans | 247.8299% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.3001% | 2,036 |
| Noncurrent loans to loans | 0.2792% | 2,605 |
| Net loans and leases to total assets | 59.2328% | 2,240 |
| Net loans and leases to deposits | 65.2287% | 2,574 |
| Net loans and leases to core deposits | 66.2310% | 2,801 |
| Total domestic deposits to total assets | 90.8079% | 579 |
| Equity capital to assets | 8.8887% | 3,728 |
| Core capital (leverage) ratio | 8.8277% | 3,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7645% | 1,942 |
| Memoranda: | ||
| Average total assets | $1,147,701,200 | 861 |
| Average earning assets | $1,077,633,000 | 851 |
| Average equity | $103,623,200 | 986 |
| Average total loans | $706,647,400 | 874 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4529% | 2,952 |
| Cost of funding earning assets | 0.1383% | 4,206 |
| Net interest margin | 3.3147% | 2,373 |
| Noninterest income to average assets | 0.9117% | 1,231 |
| Noninterest expense to average assets | 2.7569% | 1,445 |
| Loan and lease loss provision to assets | -0.1224% | 4,648 |
| Net operating income to assets | 1.1058% | 2,536 |
| Return on assets (ROA) | 1.1095% | 2,572 |
| Pretax return on assets | 1.3936% | 2,365 |
| Return on Equity (ROE) | 12.2279% | 1,968 |
| Retained earnings to average equity (ytd only) | 12.2279% | 791 |
| Net charge-offs to loans | 0.2070% | 400 |
| Credit loss provision to net charge-offs | -95.1475% | 3,223 |
| Earnings coverage of net charge-offs (x) | 9.8411% | 2,060 |
| Efficiency ratio | 68.4472% | 1,768 |
| Assets per employee ($millions) | 6.7732% | 2,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6607% | 4,563 |
| Loan loss allowance to noncurrent loans | 175.2903% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.3653% | 1,981 |
| Noncurrent loans to loans | 0.3769% | 2,427 |
| Net loans and leases to total assets | 60.3093% | 2,213 |
| Net loans and leases to deposits | 66.9644% | 2,547 |
| Net loans and leases to core deposits | 67.9674% | 2,778 |
| Total domestic deposits to total assets | 90.0618% | 749 |
| Equity capital to assets | 9.4364% | 3,433 |
| Core capital (leverage) ratio | 9.2174% | 3,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4228% | 2,194 |
| Memoranda: | ||
| Average total assets | $1,088,784,500 | 906 |
| Average earning assets | $1,022,135,000 | 897 |
| Average equity | $98,788,000 | 1,037 |
| Average total loans | $677,029,750 | 923 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4354% | 3,063 |
| Cost of funding earning assets | 0.1471% | 4,228 |
| Net interest margin | 3.2883% | 2,480 |
| Noninterest income to average assets | 0.9470% | 1,163 |
| Noninterest expense to average assets | 2.6408% | 1,753 |
| Loan and lease loss provision to assets | -0.2000% | 4,755 |
| Net operating income to assets | 1.2619% | 1,987 |
| Return on assets (ROA) | 1.2678% | 2,036 |
| Pretax return on assets | 1.6029% | 1,727 |
| Return on Equity (ROE) | 14.2300% | 1,346 |
| Retained earnings to average equity (ytd only) | 14.2300% | 514 |
| Net charge-offs to loans | 0.3245% | 266 |
| Credit loss provision to net charge-offs | -98.0392% | 3,058 |
| Earnings coverage of net charge-offs (x) | 6.8422% | 1,938 |
| Efficiency ratio | 65.3307% | 2,247 |
| Assets per employee ($millions) | 6.9629% | 1,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8852% | 4,197 |
| Loan loss allowance to noncurrent loans | 259.3735% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 2,914 |
| Noncurrent loans to loans | 0.3413% | 2,687 |
| Net loans and leases to total assets | 59.7807% | 2,453 |
| Net loans and leases to deposits | 65.8447% | 2,837 |
| Net loans and leases to core deposits | 66.7316% | 3,050 |
| Total domestic deposits to total assets | 90.7904% | 441 |
| Equity capital to assets | 8.9969% | 3,803 |
| Core capital (leverage) ratio | 8.7810% | 3,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2507% | 1,545 |
| Memoranda: | ||
| Average total assets | $1,000,163,667 | 965 |
| Average earning assets | $939,622,667 | 954 |
| Average equity | $89,107,333 | 1,112 |
| Average total loans | $628,569,000 | 979 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4826% | 2,977 |
| Cost of funding earning assets | 0.1562% | 4,262 |
| Net interest margin | 3.3265% | 2,311 |
| Noninterest income to average assets | 0.8890% | 1,360 |
| Noninterest expense to average assets | 2.6963% | 1,629 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0687% | 2,575 |
| Return on assets (ROA) | 1.0809% | 2,619 |
| Pretax return on assets | 1.3366% | 2,469 |
| Return on Equity (ROE) | 12.1939% | 1,946 |
| Retained earnings to average equity (ytd only) | 12.1939% | 1,103 |
| Net charge-offs to loans | -0.0006% | 3,021 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9655% | 2,088 |
| Assets per employee ($millions) | 6.9365% | 1,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 3,076 |
| Loan loss allowance to noncurrent loans | 109.8620% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.6637% | 1,424 |
| Noncurrent loans to loans | 1.0677% | 1,260 |
| Net loans and leases to total assets | 61.4370% | 2,344 |
| Net loans and leases to deposits | 67.6820% | 2,734 |
| Net loans and leases to core deposits | 68.5821% | 3,013 |
| Total domestic deposits to total assets | 90.7730% | 485 |
| Equity capital to assets | 8.5842% | 4,057 |
| Core capital (leverage) ratio | 8.7811% | 3,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0474% | 1,558 |
| Memoranda: | ||
| Average total assets | $988,473,000 | 964 |
| Average earning assets | $929,759,000 | 951 |
| Average equity | $87,617,500 | 1,123 |
| Average total loans | $634,180,000 | 970 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9744% | 2,808 |
| Cost of funding earning assets | 0.3132% | 4,069 |
| Net interest margin | 3.6612% | 1,935 |
| Noninterest income to average assets | 0.9547% | 1,133 |
| Noninterest expense to average assets | 2.6405% | 2,418 |
| Loan and lease loss provision to assets | 0.3372% | 1,041 |
| Net operating income to assets | 1.1178% | 1,847 |
| Return on assets (ROA) | 1.1214% | 1,956 |
| Pretax return on assets | 1.3833% | 1,709 |
| Return on Equity (ROE) | 11.7870% | 1,382 |
| Retained earnings to average equity (ytd only) | 3.9889% | 2,832 |
| Net charge-offs to loans | 0.0727% | 1,758 |
| Credit loss provision to net charge-offs | 668.1514% | 1,026 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 1,504 |
| Efficiency ratio | 60.2193% | 3,424 |
| Assets per employee ($millions) | 6.3356% | 2,057 |
| Cash dividends to net income (ytd only)* | 66.1588% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1878% | 3,014 |
| Loan loss allowance to noncurrent loans | 106.6847% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 0.7383% | 1,397 |
| Noncurrent loans to loans | 1.1134% | 1,277 |
| Net loans and leases to total assets | 65.5211% | 2,154 |
| Net loans and leases to deposits | 72.4865% | 2,638 |
| Net loans and leases to core deposits | 73.5660% | 2,947 |
| Total domestic deposits to total assets | 90.3908% | 417 |
| Equity capital to assets | 9.1661% | 3,925 |
| Core capital (leverage) ratio | 8.8023% | 3,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8240% | 1,591 |
| Memoranda: | ||
| Average total assets | $889,581,000 | 977 |
| Average earning assets | $826,568,200 | 978 |
| Average equity | $84,635,600 | 1,102 |
| Average total loans | $617,443,000 | 951 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0732% | 2,749 |
| Cost of funding earning assets | 0.3585% | 4,008 |
| Net interest margin | 3.7147% | 1,896 |
| Noninterest income to average assets | 0.9544% | 1,113 |
| Noninterest expense to average assets | 2.6854% | 2,302 |
| Loan and lease loss provision to assets | 0.4880% | 615 |
| Net operating income to assets | 0.9942% | 2,361 |
| Return on assets (ROA) | 0.9989% | 2,473 |
| Pretax return on assets | 1.2296% | 2,289 |
| Return on Equity (ROE) | 10.3960% | 1,876 |
| Retained earnings to average equity (ytd only) | 1.9853% | 3,937 |
| Net charge-offs to loans | 0.0775% | 1,537 |
| Credit loss provision to net charge-offs | 896.3585% | 906 |
| Earnings coverage of net charge-offs (x) | 31.4454% | 1,542 |
| Efficiency ratio | 60.6304% | 3,284 |
| Assets per employee ($millions) | 6.1536% | 2,134 |
| Cash dividends to net income (ytd only)* | 80.9037% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 2,667 |
| Loan loss allowance to noncurrent loans | 111.4183% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.7414% | 1,569 |
| Noncurrent loans to loans | 1.0765% | 1,393 |
| Net loans and leases to total assets | 68.0396% | 2,243 |
| Net loans and leases to deposits | 74.9767% | 2,857 |
| Net loans and leases to core deposits | 76.1007% | 3,157 |
| Total domestic deposits to total assets | 90.7477% | 222 |
| Equity capital to assets | 9.0549% | 4,073 |
| Core capital (leverage) ratio | 8.6703% | 4,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3384% | 1,715 |
| Memoranda: | ||
| Average total assets | $874,391,000 | 978 |
| Average earning assets | $810,381,500 | 982 |
| Average equity | $84,017,250 | 1,099 |
| Average total loans | $614,264,000 | 955 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1728% | 2,842 |
| Cost of funding earning assets | 0.4162% | 3,966 |
| Net interest margin | 3.7566% | 1,966 |
| Noninterest income to average assets | 0.9467% | 1,077 |
| Noninterest expense to average assets | 2.7088% | 2,361 |
| Loan and lease loss provision to assets | 0.3991% | 1,013 |
| Net operating income to assets | 1.0596% | 2,106 |
| Return on assets (ROA) | 1.0596% | 2,240 |
| Pretax return on assets | 1.3070% | 2,006 |
| Return on Equity (ROE) | 10.7983% | 1,704 |
| Retained earnings to average equity (ytd only) | 2.9041% | 3,428 |
| Net charge-offs to loans | 0.1121% | 1,175 |
| Credit loss provision to net charge-offs | 502.9586% | 1,225 |
| Earnings coverage of net charge-offs (x) | 21.5030% | 1,654 |
| Efficiency ratio | 60.8571% | 3,296 |
| Assets per employee ($millions) | 5.9556% | 2,224 |
| Cash dividends to net income (ytd only)* | 73.1059% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9661% | 3,731 |
| Loan loss allowance to noncurrent loans | 425.1182% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.1574% | 3,732 |
| Noncurrent loans to loans | 0.2273% | 3,562 |
| Net loans and leases to total assets | 68.5869% | 2,250 |
| Net loans and leases to deposits | 75.6066% | 2,915 |
| Net loans and leases to core deposits | 77.5895% | 3,145 |
| Total domestic deposits to total assets | 90.7155% | 218 |
| Equity capital to assets | 9.0564% | 4,036 |
| Core capital (leverage) ratio | 9.0828% | 3,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2010% | 1,729 |
| Memoranda: | ||
| Average total assets | $852,022,333 | 981 |
| Average earning assets | $786,615,000 | 982 |
| Average equity | $83,605,667 | 1,100 |
| Average total loans | $602,896,000 | 955 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4018% | 2,610 |
| Cost of funding earning assets | 0.5190% | 3,851 |
| Net interest margin | 3.8828% | 1,726 |
| Noninterest income to average assets | 1.0813% | 724 |
| Noninterest expense to average assets | 2.9834% | 1,921 |
| Loan and lease loss provision to assets | 0.4458% | 680 |
| Net operating income to assets | 0.9946% | 2,188 |
| Return on assets (ROA) | 0.9946% | 2,294 |
| Pretax return on assets | 1.2210% | 2,124 |
| Return on Equity (ROE) | 9.7006% | 1,843 |
| Retained earnings to average equity (ytd only) | 3.4203% | 2,917 |
| Net charge-offs to loans | 0.1729% | 769 |
| Credit loss provision to net charge-offs | 360.0000% | 1,068 |
| Earnings coverage of net charge-offs (x) | 13.4600% | 1,648 |
| Efficiency ratio | 63.6025% | 3,295 |
| Assets per employee ($millions) | 5.1286% | 2,502 |
| Cash dividends to net income (ytd only)* | 64.7410% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9586% | 3,896 |
| Loan loss allowance to noncurrent loans | 347.2637% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.1972% | 3,700 |
| Noncurrent loans to loans | 0.2761% | 3,503 |
| Net loans and leases to total assets | 70.7471% | 2,127 |
| Net loans and leases to deposits | 79.1485% | 2,761 |
| Net loans and leases to core deposits | 81.5355% | 3,058 |
| Total domestic deposits to total assets | 89.3852% | 517 |
| Equity capital to assets | 10.3255% | 3,495 |
| Core capital (leverage) ratio | 10.0809% | 3,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9825% | 1,911 |
| Memoranda: | ||
| Average total assets | $807,543,000 | 993 |
| Average earning assets | $742,244,500 | 997 |
| Average equity | $82,799,000 | 1,105 |
| Average total loans | $578,501,000 | 965 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5719% | 2,705 |
| Cost of funding earning assets | 0.5705% | 3,769 |
| Net interest margin | 4.0014% | 1,856 |
| Noninterest income to average assets | 1.1373% | 724 |
| Noninterest expense to average assets | 3.0975% | 1,766 |
| Loan and lease loss provision to assets | 0.0580% | 2,876 |
| Net operating income to assets | 1.3665% | 1,455 |
| Return on assets (ROA) | 1.3666% | 1,540 |
| Pretax return on assets | 1.6906% | 1,211 |
| Return on Equity (ROE) | 13.8308% | 936 |
| Retained earnings to average equity (ytd only) | 9.1380% | 676 |
| Net charge-offs to loans | 0.0932% | 1,798 |
| Credit loss provision to net charge-offs | 85.7143% | 2,714 |
| Earnings coverage of net charge-offs (x) | 25.8552% | 1,715 |
| Efficiency ratio | 63.1040% | 3,207 |
| Assets per employee ($millions) | 5.1925% | 2,348 |
| Cash dividends to net income (ytd only)* | 33.9303% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8588% | 4,129 |
| Loan loss allowance to noncurrent loans | 317.0951% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.1946% | 3,681 |
| Noncurrent loans to loans | 0.2708% | 3,481 |
| Net loans and leases to total assets | 71.2295% | 2,216 |
| Net loans and leases to deposits | 79.5186% | 2,834 |
| Net loans and leases to core deposits | 81.9723% | 3,124 |
| Total domestic deposits to total assets | 89.5759% | 467 |
| Equity capital to assets | 10.1795% | 3,752 |
| Core capital (leverage) ratio | 10.1266% | 3,382 |
| Tier 1 risk-based capital ratio | 13.9870% | 3,281 |
| Total risk-based capital ratio | 14.8443% | 3,375 |
| Memoranda: | ||
| Average total assets | $776,370,000 | 998 |
| Average earning assets | $719,545,400 | 988 |
| Average equity | $76,713,000 | 1,121 |
| Average total loans | $563,288,600 | 961 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5962% | 2,737 |
| Cost of funding earning assets | 0.5725% | 3,810 |
| Net interest margin | 4.0237% | 1,852 |
| Noninterest income to average assets | 1.1109% | 734 |
| Noninterest expense to average assets | 3.1663% | 1,536 |
| Loan and lease loss provision to assets | 0.0346% | 3,208 |
| Net operating income to assets | 1.3228% | 1,760 |
| Return on assets (ROA) | 1.3228% | 1,833 |
| Pretax return on assets | 1.6350% | 1,515 |
| Return on Equity (ROE) | 13.4934% | 1,117 |
| Retained earnings to average equity (ytd only) | 9.2574% | 970 |
| Net charge-offs to loans | 0.0707% | 1,817 |
| Credit loss provision to net charge-offs | 67.3401% | 2,646 |
| Earnings coverage of net charge-offs (x) | 32.4882% | 1,560 |
| Efficiency ratio | 64.5985% | 2,924 |
| Assets per employee ($millions) | 4.8847% | 2,680 |
| Cash dividends to net income (ytd only)* | 31.3931% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8582% | 4,203 |
| Loan loss allowance to noncurrent loans | 292.5551% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.2162% | 3,707 |
| Noncurrent loans to loans | 0.2934% | 3,486 |
| Net loans and leases to total assets | 73.0607% | 1,985 |
| Net loans and leases to deposits | 81.6573% | 2,731 |
| Net loans and leases to core deposits | 84.1488% | 3,080 |
| Total domestic deposits to total assets | 89.4723% | 455 |
| Equity capital to assets | 10.3074% | 3,718 |
| Core capital (leverage) ratio | 10.0854% | 3,546 |
| Tier 1 risk-based capital ratio | 13.7121% | 3,476 |
| Total risk-based capital ratio | 14.5682% | 3,577 |
| Memoranda: | ||
| Average total assets | $770,552,750 | 1,004 |
| Average earning assets | $713,357,000 | 998 |
| Average equity | $75,541,500 | 1,131 |
| Average total loans | $560,482,500 | 962 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5634% | 2,789 |
| Cost of funding earning assets | 0.5545% | 3,864 |
| Net interest margin | 4.0089% | 1,894 |
| Noninterest income to average assets | 1.0844% | 721 |
| Noninterest expense to average assets | 3.1609% | 1,589 |
| Loan and lease loss provision to assets | 0.0520% | 2,777 |
| Net operating income to assets | 1.2809% | 1,847 |
| Return on assets (ROA) | 1.2809% | 1,905 |
| Pretax return on assets | 1.5833% | 1,594 |
| Return on Equity (ROE) | 13.2960% | 1,159 |
| Retained earnings to average equity (ytd only) | 10.0544% | 739 |
| Net charge-offs to loans | 0.0769% | 1,597 |
| Credit loss provision to net charge-offs | 93.4579% | 2,097 |
| Earnings coverage of net charge-offs (x) | 29.3645% | 1,486 |
| Efficiency ratio | 64.9647% | 2,984 |
| Assets per employee ($millions) | 4.8622% | 2,649 |
| Cash dividends to net income (ytd only)* | 24.3803% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8677% | 4,207 |
| Loan loss allowance to noncurrent loans | 278.4281% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.2306% | 3,649 |
| Noncurrent loans to loans | 0.3117% | 3,424 |
| Net loans and leases to total assets | 73.3509% | 1,993 |
| Net loans and leases to deposits | 81.6975% | 2,762 |
| Net loans and leases to core deposits | 83.6070% | 3,143 |
| Total domestic deposits to total assets | 89.7835% | 392 |
| Equity capital to assets | 10.0464% | 3,938 |
| Core capital (leverage) ratio | 9.9559% | 3,633 |
| Tier 1 risk-based capital ratio | 13.3689% | 3,646 |
| Total risk-based capital ratio | 14.2352% | 3,753 |
| Memoranda: | ||
| Average total assets | $768,514,330 | 1,005 |
| Average earning assets | $711,570,330 | 1,002 |
| Average equity | $74,037,330 | 1,152 |
| Average total loans | $556,526,330 | 968 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5359% | 2,745 |
| Cost of funding earning assets | 0.5213% | 3,971 |
| Net interest margin | 4.0146% | 1,808 |
| Noninterest income to average assets | 1.0778% | 689 |
| Noninterest expense to average assets | 3.1432% | 1,627 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3375% | 1,568 |
| Return on assets (ROA) | 1.3375% | 1,603 |
| Pretax return on assets | 1.6533% | 1,336 |
| Return on Equity (ROE) | 14.1932% | 924 |
| Retained earnings to average equity (ytd only) | 14.1932% | 339 |
| Net charge-offs to loans | 0.0461% | 1,618 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 50.1111% | 1,026 |
| Efficiency ratio | 64.5376% | 3,153 |
| Assets per employee ($millions) | 4.9670% | 2,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8982% | 4,163 |
| Loan loss allowance to noncurrent loans | 241.5039% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.2643% | 3,564 |
| Noncurrent loans to loans | 0.3719% | 3,254 |
| Net loans and leases to total assets | 70.4302% | 2,416 |
| Net loans and leases to deposits | 78.2661% | 3,034 |
| Net loans and leases to core deposits | 80.1142% | 3,364 |
| Total domestic deposits to total assets | 89.9881% | 450 |
| Equity capital to assets | 9.7566% | 4,038 |
| Core capital (leverage) ratio | 10.0105% | 3,594 |
| Tier 1 risk-based capital ratio | 13.6032% | 3,553 |
| Total risk-based capital ratio | 14.4904% | 3,655 |
| Memoranda: | ||
| Average total assets | $763,796,000 | 1,011 |
| Average earning assets | $707,511,500 | 1,007 |
| Average equity | $71,978,000 | 1,183 |
| Average total loans | $546,975,000 | 993 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4555% | 2,591 |
| Cost of funding earning assets | 0.3942% | 4,019 |
| Net interest margin | 4.0613% | 1,790 |
| Noninterest income to average assets | 1.2547% | 593 |
| Noninterest expense to average assets | 3.1294% | 1,729 |
| Loan and lease loss provision to assets | 0.0796% | 2,535 |
| Net operating income to assets | 1.4747% | 1,187 |
| Return on assets (ROA) | 1.4746% | 1,181 |
| Pretax return on assets | 1.8115% | 890 |
| Return on Equity (ROE) | 17.1601% | 480 |
| Retained earnings to average equity (ytd only) | 10.9841% | 443 |
| Net charge-offs to loans | 0.1724% | 1,121 |
| Credit loss provision to net charge-offs | 65.4308% | 3,045 |
| Earnings coverage of net charge-offs (x) | 15.5442% | 2,317 |
| Efficiency ratio | 61.1073% | 3,676 |
| Assets per employee ($millions) | 4.7046% | 2,872 |
| Cash dividends to net income (ytd only)* | 35.9906% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9220% | 4,077 |
| Loan loss allowance to noncurrent loans | 147.0208% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.4526% | 2,751 |
| Noncurrent loans to loans | 0.6271% | 2,410 |
| Net loans and leases to total assets | 71.5075% | 2,344 |
| Net loans and leases to deposits | 78.8234% | 3,065 |
| Net loans and leases to core deposits | 80.7460% | 3,374 |
| Total domestic deposits to total assets | 90.7186% | 270 |
| Equity capital to assets | 9.0811% | 4,508 |
| Core capital (leverage) ratio | 9.2609% | 4,387 |
| Tier 1 risk-based capital ratio | 12.7113% | 4,006 |
| Total risk-based capital ratio | 13.6250% | 4,076 |
| Memoranda: | ||
| Average total assets | $753,697,000 | 997 |
| Average earning assets | $698,867,400 | 990 |
| Average equity | $64,766,400 | 1,241 |
| Average total loans | $531,876,400 | 982 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3806% | 2,688 |
| Cost of funding earning assets | 0.3731% | 4,028 |
| Net interest margin | 4.0076% | 1,932 |
| Noninterest income to average assets | 1.2577% | 607 |
| Noninterest expense to average assets | 3.1072% | 1,749 |
| Loan and lease loss provision to assets | 0.0177% | 3,661 |
| Net operating income to assets | 1.5088% | 1,174 |
| Return on assets (ROA) | 1.5088% | 1,171 |
| Pretax return on assets | 1.8505% | 903 |
| Return on Equity (ROE) | 17.8111% | 445 |
| Retained earnings to average equity (ytd only) | 11.5484% | 543 |
| Net charge-offs to loans | 0.1575% | 1,051 |
| Credit loss provision to net charge-offs | 16.0000% | 3,035 |
| Earnings coverage of net charge-offs (x) | 16.9024% | 2,136 |
| Efficiency ratio | 61.1573% | 3,637 |
| Assets per employee ($millions) | 4.8143% | 2,706 |
| Cash dividends to net income (ytd only)* | 35.1617% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8885% | 4,309 |
| Loan loss allowance to noncurrent loans | 160.0867% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.4019% | 3,078 |
| Noncurrent loans to loans | 0.5550% | 2,720 |
| Net loans and leases to total assets | 71.7676% | 2,364 |
| Net loans and leases to deposits | 78.8857% | 3,157 |
| Net loans and leases to core deposits | 80.7922% | 3,430 |
| Total domestic deposits to total assets | 90.9767% | 230 |
| Equity capital to assets | 8.8258% | 4,699 |
| Core capital (leverage) ratio | 9.0659% | 4,644 |
| Tier 1 risk-based capital ratio | 12.3807% | 4,263 |
| Total risk-based capital ratio | 13.2547% | 4,384 |
| Memoranda: | ||
| Average total assets | $753,936,000 | 996 |
| Average earning assets | $699,391,750 | 986 |
| Average equity | $63,868,750 | 1,249 |
| Average total loans | $529,026,750 | 986 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2747% | 2,852 |
| Cost of funding earning assets | 0.3574% | 4,026 |
| Net interest margin | 3.9173% | 2,151 |
| Noninterest income to average assets | 1.2870% | 583 |
| Noninterest expense to average assets | 3.0797% | 1,836 |
| Loan and lease loss provision to assets | 0.0264% | 3,387 |
| Net operating income to assets | 1.4866% | 1,187 |
| Return on assets (ROA) | 1.4866% | 1,187 |
| Pretax return on assets | 1.8141% | 929 |
| Return on Equity (ROE) | 17.7928% | 437 |
| Retained earnings to average equity (ytd only) | 11.4642% | 594 |
| Net charge-offs to loans | 0.1474% | 1,041 |
| Credit loss provision to net charge-offs | 25.8398% | 2,650 |
| Earnings coverage of net charge-offs (x) | 17.9897% | 1,927 |
| Efficiency ratio | 61.2272% | 3,734 |
| Assets per employee ($millions) | 4.9233% | 2,520 |
| Cash dividends to net income (ytd only)* | 35.5682% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9470% | 4,131 |
| Loan loss allowance to noncurrent loans | 175.0261% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.3862% | 3,204 |
| Noncurrent loans to loans | 0.5410% | 2,795 |
| Net loans and leases to total assets | 69.0712% | 2,709 |
| Net loans and leases to deposits | 75.5511% | 3,385 |
| Net loans and leases to core deposits | 77.4124% | 3,623 |
| Total domestic deposits to total assets | 91.4232% | 167 |
| Equity capital to assets | 8.4485% | 4,983 |
| Core capital (leverage) ratio | 8.6630% | 4,982 |
| Tier 1 risk-based capital ratio | 12.5186% | 4,173 |
| Total risk-based capital ratio | 13.4746% | 4,238 |
| Memoranda: | ||
| Average total assets | $756,511,670 | 992 |
| Average earning assets | $701,658,670 | 985 |
| Average equity | $63,205,330 | 1,264 |
| Average total loans | $525,256,670 | 993 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1851% | 2,930 |
| Cost of funding earning assets | 0.3383% | 4,078 |
| Net interest margin | 3.8468% | 2,238 |
| Noninterest income to average assets | 1.4551% | 449 |
| Noninterest expense to average assets | 3.1078% | 1,805 |
| Loan and lease loss provision to assets | 0.0531% | 2,712 |
| Net operating income to assets | 1.5507% | 952 |
| Return on assets (ROA) | 1.5507% | 959 |
| Pretax return on assets | 1.8635% | 792 |
| Return on Equity (ROE) | 18.6663% | 344 |
| Retained earnings to average equity (ytd only) | 12.2738% | 634 |
| Net charge-offs to loans | 0.1180% | 1,074 |
| Credit loss provision to net charge-offs | 64.9351% | 1,871 |
| Earnings coverage of net charge-offs (x) | 23.4351% | 1,381 |
| Efficiency ratio | 60.4482% | 4,008 |
| Assets per employee ($millions) | 4.8582% | 2,666 |
| Cash dividends to net income (ytd only)* | 34.2466% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0119% | 3,879 |
| Loan loss allowance to noncurrent loans | 362.3368% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.1896% | 4,135 |
| Noncurrent loans to loans | 0.2793% | 3,770 |
| Net loans and leases to total assets | 67.1877% | 2,867 |
| Net loans and leases to deposits | 73.3264% | 3,482 |
| Net loans and leases to core deposits | 75.1775% | 3,726 |
| Total domestic deposits to total assets | 91.6282% | 168 |
| Equity capital to assets | 8.2142% | 5,170 |
| Core capital (leverage) ratio | 8.5511% | 5,102 |
| Tier 1 risk-based capital ratio | 12.4967% | 4,240 |
| Total risk-based capital ratio | 13.5235% | 4,287 |
| Memoranda: | ||
| Average total assets | $753,213,500 | 1,002 |
| Average earning assets | $698,859,000 | 993 |
| Average equity | $62,572,500 | 1,282 |
| Average total loans | $521,821,500 | 1,006 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0992% | 3,061 |
| Cost of funding earning assets | 0.2554% | 4,518 |
| Net interest margin | 3.8438% | 2,277 |
| Noninterest income to average assets | 1.2099% | 712 |
| Noninterest expense to average assets | 3.1902% | 1,630 |
| Loan and lease loss provision to assets | 0.0137% | 4,015 |
| Net operating income to assets | 0.9936% | 2,276 |
| Return on assets (ROA) | 0.9846% | 2,343 |
| Pretax return on assets | 1.5457% | 1,466 |
| Return on Equity (ROE) | 11.3574% | 1,369 |
| Retained earnings to average equity (ytd only) | 2.6623% | 3,729 |
| Net charge-offs to loans | 0.0188% | 3,475 |
| Credit loss provision to net charge-offs | 105.2632% | 2,443 |
| Earnings coverage of net charge-offs (x) | 120.8526% | 560 |
| Efficiency ratio | 65.1649% | 3,411 |
| Assets per employee ($millions) | 4.6177% | 3,003 |
| Cash dividends to net income (ytd only)* | 76.5590% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0191% | 3,817 |
| Loan loss allowance to noncurrent loans | 475.5357% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 4,157 |
| Noncurrent loans to loans | 0.2143% | 4,057 |
| Net loans and leases to total assets | 70.0181% | 2,519 |
| Net loans and leases to deposits | 76.6424% | 3,267 |
| Net loans and leases to core deposits | 78.2801% | 3,565 |
| Total domestic deposits to total assets | 91.3569% | 166 |
| Equity capital to assets | 8.4043% | 5,187 |
| Core capital (leverage) ratio | 8.4596% | 5,175 |
| Tier 1 risk-based capital ratio | 12.0854% | 4,473 |
| Total risk-based capital ratio | 13.1186% | 4,499 |
| Memoranda: | ||
| Average total assets | $729,633,200 | 1,006 |
| Average earning assets | $674,601,200 | 1,004 |
| Average equity | $63,254,000 | 1,253 |
| Average total loans | $505,402,000 | 1,017 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0425% | 3,207 |
| Cost of funding earning assets | 0.2449% | 4,612 |
| Net interest margin | 3.7976% | 2,410 |
| Noninterest income to average assets | 1.1206% | 808 |
| Noninterest expense to average assets | 3.1411% | 1,695 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0370% | 2,383 |
| Return on assets (ROA) | 1.0401% | 2,409 |
| Pretax return on assets | 1.4947% | 1,784 |
| Return on Equity (ROE) | 11.9053% | 1,362 |
| Retained earnings to average equity (ytd only) | 11.9053% | 303 |
| Net charge-offs to loans | 0.0053% | 3,543 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 406.4391% | 235 |
| Efficiency ratio | 65.9054% | 3,228 |
| Assets per employee ($millions) | 4.6574% | 2,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 3,913 |
| Loan loss allowance to noncurrent loans | 239.8643% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.3364% | 3,709 |
| Noncurrent loans to loans | 0.4288% | 3,416 |
| Net loans and leases to total assets | 69.7555% | 2,599 |
| Net loans and leases to deposits | 77.1562% | 3,256 |
| Net loans and leases to core deposits | 78.9063% | 3,548 |
| Total domestic deposits to total assets | 90.4082% | 348 |
| Equity capital to assets | 9.1112% | 4,814 |
| Core capital (leverage) ratio | 9.0580% | 4,675 |
| Tier 1 risk-based capital ratio | 12.8725% | 4,100 |
| Total risk-based capital ratio | 13.9062% | 4,122 |
| Memoranda: | ||
| Average total assets | $727,334,500 | 1,016 |
| Average earning assets | $672,400,500 | 1,014 |
| Average equity | $63,544,250 | 1,253 |
| Average total loans | $501,092,750 | 1,028 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9802% | 3,281 |
| Cost of funding earning assets | 0.2349% | 4,683 |
| Net interest margin | 3.7453% | 2,489 |
| Noninterest income to average assets | 1.1121% | 810 |
| Noninterest expense to average assets | 3.1307% | 1,767 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0057% | 2,398 |
| Return on assets (ROA) | 1.0082% | 2,424 |
| Pretax return on assets | 1.4457% | 1,839 |
| Return on Equity (ROE) | 11.7086% | 1,384 |
| Retained earnings to average equity (ytd only) | 11.7086% | 348 |
| Net charge-offs to loans | -0.0496% | 5,172 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4639% | 3,273 |
| Assets per employee ($millions) | 4.7139% | 2,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0784% | 3,699 |
| Loan loss allowance to noncurrent loans | 263.7597% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 3,866 |
| Noncurrent loans to loans | 0.4088% | 3,559 |
| Net loans and leases to total assets | 67.9095% | 2,828 |
| Net loans and leases to deposits | 74.8790% | 3,456 |
| Net loans and leases to core deposits | 75.8886% | 3,785 |
| Total domestic deposits to total assets | 90.6923% | 301 |
| Equity capital to assets | 8.8072% | 5,065 |
| Core capital (leverage) ratio | 8.7552% | 5,000 |
| Tier 1 risk-based capital ratio | 12.7320% | 4,163 |
| Total risk-based capital ratio | 13.8170% | 4,164 |
| Memoranda: | ||
| Average total assets | $726,040,000 | 1,023 |
| Average earning assets | $670,864,670 | 1,014 |
| Average equity | $62,518,000 | 1,273 |
| Average total loans | $496,335,000 | 1,031 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9246% | 3,307 |
| Cost of funding earning assets | 0.2307% | 4,711 |
| Net interest margin | 3.6939% | 2,500 |
| Noninterest income to average assets | 1.1162% | 800 |
| Noninterest expense to average assets | 3.1662% | 1,700 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9543% | 2,505 |
| Return on assets (ROA) | 0.9543% | 2,564 |
| Pretax return on assets | 1.3596% | 2,031 |
| Return on Equity (ROE) | 11.2128% | 1,494 |
| Retained earnings to average equity (ytd only) | 11.2128% | 570 |
| Net charge-offs to loans | -0.1057% | 5,462 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8633% | 3,222 |
| Assets per employee ($millions) | 4.8146% | 2,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0951% | 3,740 |
| Loan loss allowance to noncurrent loans | 317.8426% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.2703% | 4,129 |
| Noncurrent loans to loans | 0.3445% | 3,867 |
| Net loans and leases to total assets | 67.7184% | 2,722 |
| Net loans and leases to deposits | 74.5824% | 3,346 |
| Net loans and leases to core deposits | 75.7146% | 3,681 |
| Total domestic deposits to total assets | 90.7968% | 361 |
| Equity capital to assets | 8.5893% | 5,170 |
| Core capital (leverage) ratio | 8.6637% | 5,085 |
| Tier 1 risk-based capital ratio | 12.4344% | 4,421 |
| Total risk-based capital ratio | 13.5309% | 4,424 |
| Memoranda: | ||
| Average total assets | $721,373,500 | 1,030 |
| Average earning assets | $665,858,000 | 1,022 |
| Average equity | $61,394,000 | 1,294 |
| Average total loans | $492,086,500 | 1,037 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8815% | 3,641 |
| Cost of funding earning assets | 0.2095% | 4,927 |
| Net interest margin | 3.6721% | 2,811 |
| Noninterest income to average assets | 1.2603% | 716 |
| Noninterest expense to average assets | 3.3234% | 1,529 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9349% | 2,649 |
| Return on assets (ROA) | 0.9357% | 2,758 |
| Pretax return on assets | 1.3189% | 2,214 |
| Return on Equity (ROE) | 11.2775% | 1,477 |
| Retained earnings to average equity (ytd only) | 7.3095% | 1,110 |
| Net charge-offs to loans | 0.0438% | 3,157 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 45.8424% | 1,066 |
| Efficiency ratio | 69.2326% | 3,033 |
| Assets per employee ($millions) | 4.6780% | 2,830 |
| Cash dividends to net income (ytd only)* | 35.1846% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0939% | 3,745 |
| Loan loss allowance to noncurrent loans | 325.8420% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.2631% | 4,237 |
| Noncurrent loans to loans | 0.3357% | 3,937 |
| Net loans and leases to total assets | 67.2148% | 2,900 |
| Net loans and leases to deposits | 73.8660% | 3,528 |
| Net loans and leases to core deposits | 74.9878% | 3,835 |
| Total domestic deposits to total assets | 90.9956% | 282 |
| Equity capital to assets | 8.4309% | 5,323 |
| Core capital (leverage) ratio | 8.4789% | 5,282 |
| Tier 1 risk-based capital ratio | 12.3785% | 4,458 |
| Total risk-based capital ratio | 13.4714% | 4,443 |
| Memoranda: | ||
| Average total assets | $706,173,200 | 1,014 |
| Average earning assets | $650,180,000 | 1,009 |
| Average equity | $58,594,800 | 1,318 |
| Average total loans | $463,915,600 | 1,047 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8725% | 3,685 |
| Cost of funding earning assets | 0.2077% | 4,990 |
| Net interest margin | 3.6648% | 2,844 |
| Noninterest income to average assets | 1.2725% | 717 |
| Noninterest expense to average assets | 3.3892% | 1,361 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8978% | 2,918 |
| Return on assets (ROA) | 0.8991% | 3,050 |
| Pretax return on assets | 1.2577% | 2,590 |
| Return on Equity (ROE) | 10.8805% | 1,714 |
| Retained earnings to average equity (ytd only) | 9.7915% | 619 |
| Net charge-offs to loans | -0.0250% | 5,086 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5249% | 2,819 |
| Assets per employee ($millions) | 4.5635% | 2,986 |
| Cash dividends to net income (ytd only)* | 10.0085% | 3,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 3,305 |
| Loan loss allowance to noncurrent loans | 156.6602% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.5381% | 3,309 |
| Noncurrent loans to loans | 0.7589% | 2,774 |
| Net loans and leases to total assets | 65.4966% | 3,206 |
| Net loans and leases to deposits | 72.3045% | 3,774 |
| Net loans and leases to core deposits | 73.3571% | 4,053 |
| Total domestic deposits to total assets | 90.5844% | 302 |
| Equity capital to assets | 8.5329% | 5,511 |
| Core capital (leverage) ratio | 8.4846% | 5,371 |
| Tier 1 risk-based capital ratio | 12.7155% | 4,332 |
| Total risk-based capital ratio | 13.9014% | 4,279 |
| Memoranda: | ||
| Average total assets | $703,782,000 | 1,022 |
| Average earning assets | $647,660,750 | 1,014 |
| Average equity | $58,157,750 | 1,333 |
| Average total loans | $458,293,750 | 1,061 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8706% | 3,698 |
| Cost of funding earning assets | 0.2080% | 5,069 |
| Net interest margin | 3.6626% | 2,851 |
| Noninterest income to average assets | 1.2384% | 740 |
| Noninterest expense to average assets | 3.4444% | 1,281 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8195% | 3,220 |
| Return on assets (ROA) | 0.8207% | 3,352 |
| Pretax return on assets | 1.1616% | 2,938 |
| Return on Equity (ROE) | 10.0428% | 2,029 |
| Retained earnings to average equity (ytd only) | 10.0428% | 586 |
| Net charge-offs to loans | -0.0926% | 5,589 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2800% | 2,608 |
| Assets per employee ($millions) | 4.2051% | 3,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 3,208 |
| Loan loss allowance to noncurrent loans | 140.9191% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.6348% | 3,098 |
| Noncurrent loans to loans | 0.8706% | 2,564 |
| Net loans and leases to total assets | 64.9583% | 3,230 |
| Net loans and leases to deposits | 72.7785% | 3,721 |
| Net loans and leases to core deposits | 73.8557% | 3,995 |
| Total domestic deposits to total assets | 89.2548% | 784 |
| Equity capital to assets | 8.3300% | 5,681 |
| Core capital (leverage) ratio | 8.3252% | 5,514 |
| Tier 1 risk-based capital ratio | 12.4464% | 4,559 |
| Total risk-based capital ratio | 13.6634% | 4,497 |
| Memoranda: | ||
| Average total assets | $701,072,000 | 1,028 |
| Average earning assets | $644,296,330 | 1,022 |
| Average equity | $57,294,670 | 1,353 |
| Average total loans | $453,762,330 | 1,071 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8722% | 3,687 |
| Cost of funding earning assets | 0.2133% | 5,071 |
| Net interest margin | 3.6589% | 2,856 |
| Noninterest income to average assets | 1.2070% | 748 |
| Noninterest expense to average assets | 3.5417% | 1,109 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7300% | 3,582 |
| Return on assets (ROA) | 0.7325% | 3,680 |
| Pretax return on assets | 1.0295% | 3,366 |
| Return on Equity (ROE) | 9.0517% | 2,404 |
| Retained earnings to average equity (ytd only) | 9.0517% | 1,103 |
| Net charge-offs to loans | 0.0036% | 2,998 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 446.5000% | 130 |
| Efficiency ratio | 74.9088% | 2,337 |
| Assets per employee ($millions) | 3.9134% | 4,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2143% | 3,395 |
| Loan loss allowance to noncurrent loans | 125.9699% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.9271% | 2,389 |
| Noncurrent loans to loans | 0.9639% | 2,452 |
| Net loans and leases to total assets | 64.1084% | 3,227 |
| Net loans and leases to deposits | 70.4765% | 3,814 |
| Net loans and leases to core deposits | 71.6453% | 4,093 |
| Total domestic deposits to total assets | 90.9642% | 287 |
| Equity capital to assets | 8.1873% | 5,749 |
| Core capital (leverage) ratio | 8.2215% | 5,639 |
| Tier 1 risk-based capital ratio | 12.3049% | 4,725 |
| Total risk-based capital ratio | 13.4982% | 4,655 |
| Memoranda: | ||
| Average total assets | $696,278,500 | 1,031 |
| Average earning assets | $639,540,500 | 1,026 |
| Average equity | $56,343,000 | 1,369 |
| Average total loans | $446,960,500 | 1,089 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8701% | 3,810 |
| Cost of funding earning assets | 0.2017% | 5,274 |
| Net interest margin | 3.6684% | 2,869 |
| Noninterest income to average assets | 1.3584% | 654 |
| Noninterest expense to average assets | 4.0391% | 634 |
| Loan and lease loss provision to assets | -0.0160% | 5,655 |
| Net operating income to assets | 0.5068% | 4,668 |
| Return on assets (ROA) | 0.5004% | 4,786 |
| Pretax return on assets | 0.6910% | 4,551 |
| Return on Equity (ROE) | 5.0458% | 4,482 |
| Retained earnings to average equity (ytd only) | -16.7521% | 6,105 |
| Net charge-offs to loans | 0.2712% | 1,121 |
| Credit loss provision to net charge-offs | -9.1408% | 4,945 |
| Earnings coverage of net charge-offs (x) | 3.9031% | 3,643 |
| Efficiency ratio | 83.3215% | 1,245 |
| Assets per employee ($millions) | 3.7008% | 4,479 |
| Cash dividends to net income (ytd only)* | 432.0000% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 3,124 |
| Loan loss allowance to noncurrent loans | 139.9899% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.9573% | 2,276 |
| Noncurrent loans to loans | 0.8982% | 2,543 |
| Net loans and leases to total assets | 62.6824% | 3,466 |
| Net loans and leases to deposits | 68.6870% | 4,061 |
| Net loans and leases to core deposits | 69.9029% | 4,305 |
| Total domestic deposits to total assets | 91.2581% | 224 |
| Equity capital to assets | 7.9956% | 5,855 |
| Core capital (leverage) ratio | 8.1228% | 5,764 |
| Tier 1 risk-based capital ratio | 12.6182% | 4,563 |
| Total risk-based capital ratio | 13.8631% | 4,459 |
| Memoranda: | ||
| Average total assets | $624,477,800 | 1,094 |
| Average earning assets | $572,729,600 | 1,087 |
| Average equity | $61,932,600 | 1,216 |
| Average total loans | $403,432,200 | 1,146 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8669% | 3,867 |
| Cost of funding earning assets | 0.2043% | 5,340 |
| Net interest margin | 3.6626% | 2,919 |
| Noninterest income to average assets | 1.3667% | 659 |
| Noninterest expense to average assets | 4.1143% | 579 |
| Loan and lease loss provision to assets | -0.0219% | 5,852 |
| Net operating income to assets | 0.4559% | 4,952 |
| Return on assets (ROA) | 0.4477% | 5,066 |
| Pretax return on assets | 0.6186% | 4,928 |
| Return on Equity (ROE) | 4.2778% | 4,922 |
| Retained earnings to average equity (ytd only) | -23.5070% | 6,214 |
| Net charge-offs to loans | 0.3525% | 747 |
| Credit loss provision to net charge-offs | -9.5877% | 4,847 |
| Earnings coverage of net charge-offs (x) | 2.6568% | 3,627 |
| Efficiency ratio | 85.1208% | 1,075 |
| Assets per employee ($millions) | 3.5654% | 4,677 |
| Cash dividends to net income (ytd only)* | 649.5105% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3702% | 2,737 |
| Loan loss allowance to noncurrent loans | 109.8089% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 1.1389% | 2,092 |
| Noncurrent loans to loans | 1.2478% | 2,037 |
| Net loans and leases to total assets | 58.3193% | 4,101 |
| Net loans and leases to deposits | 63.9023% | 4,568 |
| Net loans and leases to core deposits | 65.0834% | 4,756 |
| Total domestic deposits to total assets | 91.2632% | 192 |
| Equity capital to assets | 7.9798% | 5,963 |
| Core capital (leverage) ratio | 7.9861% | 5,914 |
| Tier 1 risk-based capital ratio | 13.3366% | 4,227 |
| Total risk-based capital ratio | 14.5877% | 4,149 |
| Memoranda: | ||
| Average total assets | $607,583,000 | 1,127 |
| Average earning assets | $556,673,500 | 1,132 |
| Average equity | $63,582,250 | 1,195 |
| Average total loans | $394,459,750 | 1,169 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9051% | 3,664 |
| Cost of funding earning assets | 0.2148% | 5,308 |
| Net interest margin | 3.6903% | 2,753 |
| Noninterest income to average assets | 1.3814% | 657 |
| Noninterest expense to average assets | 4.1899% | 551 |
| Loan and lease loss provision to assets | -0.0344% | 6,002 |
| Net operating income to assets | 0.4315% | 5,035 |
| Return on assets (ROA) | 0.4188% | 5,183 |
| Pretax return on assets | 0.5865% | 5,011 |
| Return on Equity (ROE) | 3.6586% | 5,157 |
| Retained earnings to average equity (ytd only) | 3.6586% | 3,698 |
| Net charge-offs to loans | 0.2506% | 1,037 |
| Credit loss provision to net charge-offs | -20.4499% | 4,728 |
| Earnings coverage of net charge-offs (x) | 3.3845% | 3,203 |
| Efficiency ratio | 86.5567% | 1,016 |
| Assets per employee ($millions) | 3.4933% | 4,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5568% | 2,066 |
| Loan loss allowance to noncurrent loans | 84.3634% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 1.3913% | 1,804 |
| Noncurrent loans to loans | 1.8453% | 1,372 |
| Net loans and leases to total assets | 55.7516% | 4,366 |
| Net loans and leases to deposits | 62.2873% | 4,682 |
| Net loans and leases to core deposits | 63.6081% | 4,838 |
| Total domestic deposits to total assets | 89.5071% | 900 |
| Equity capital to assets | 9.5914% | 4,544 |
| Core capital (leverage) ratio | 10.0620% | 3,514 |
| Tier 1 risk-based capital ratio | 17.0280% | 2,394 |
| Total risk-based capital ratio | 18.2816% | 2,337 |
| Memoranda: | ||
| Average total assets | $580,736,000 | 1,182 |
| Average earning assets | $531,665,670 | 1,197 |
| Average equity | $66,472,670 | 1,153 |
| Average total loans | $390,318,330 | 1,182 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1638% | 2,588 |
| Cost of funding earning assets | 0.2521% | 5,000 |
| Net interest margin | 3.9117% | 1,855 |
| Noninterest income to average assets | 1.3501% | 632 |
| Noninterest expense to average assets | 4.2077% | 549 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5237% | 4,568 |
| Return on assets (ROA) | 0.4951% | 4,827 |
| Pretax return on assets | 0.6831% | 4,642 |
| Return on Equity (ROE) | 3.9053% | 5,017 |
| Retained earnings to average equity (ytd only) | 3.9053% | 3,658 |
| Net charge-offs to loans | -0.0546% | 5,559 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2472% | 1,250 |
| Assets per employee ($millions) | 3.4384% | 5,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6990% | 1,740 |
| Loan loss allowance to noncurrent loans | 93.5221% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 1.7354% | 1,432 |
| Noncurrent loans to loans | 1.8167% | 1,493 |
| Net loans and leases to total assets | 73.9816% | 1,503 |
| Net loans and leases to deposits | 88.9081% | 1,518 |
| Net loans and leases to core deposits | 91.5341% | 1,982 |
| Total domestic deposits to total assets | 83.2113% | 4,114 |
| Equity capital to assets | 12.6524% | 1,599 |
| Core capital (leverage) ratio | 13.1700% | 1,103 |
| Tier 1 risk-based capital ratio | 17.6075% | 2,271 |
| Total risk-based capital ratio | 18.8635% | 2,227 |
| Memoranda: | ||
| Average total assets | $523,516,500 | 1,307 |
| Average earning assets | $479,174,000 | 1,318 |
| Average equity | $66,370,500 | 1,155 |
| Average total loans | $388,627,500 | 1,185 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2689% | 2,711 |
| Cost of funding earning assets | 0.3263% | 4,530 |
| Net interest margin | 3.9426% | 2,079 |
| Noninterest income to average assets | 1.3857% | 637 |
| Noninterest expense to average assets | 3.6174% | 1,270 |
| Loan and lease loss provision to assets | -0.7354% | 6,472 |
| Net operating income to assets | 1.4399% | 1,001 |
| Return on assets (ROA) | 1.5303% | 859 |
| Pretax return on assets | 2.2351% | 297 |
| Return on Equity (ROE) | 13.1582% | 1,100 |
| Retained earnings to average equity (ytd only) | 13.1582% | 217 |
| Net charge-offs to loans | 0.0207% | 4,430 |
| Credit loss provision to net charge-offs | -5,065.7895% | 6,061 |
| Earnings coverage of net charge-offs (x) | 94.1579% | 555 |
| Efficiency ratio | 72.4890% | 3,122 |
| Assets per employee ($millions) | 3.3174% | 5,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7738% | 1,586 |
| Loan loss allowance to noncurrent loans | 83.9855% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 1.9105% | 1,348 |
| Noncurrent loans to loans | 2.1120% | 1,293 |
| Net loans and leases to total assets | 71.8858% | 1,929 |
| Net loans and leases to deposits | 83.2688% | 2,302 |
| Net loans and leases to core deposits | 85.8205% | 2,707 |
| Total domestic deposits to total assets | 86.3299% | 2,653 |
| Equity capital to assets | 12.7038% | 1,536 |
| Core capital (leverage) ratio | 12.9009% | 1,178 |
| Tier 1 risk-based capital ratio | 17.8790% | 2,178 |
| Total risk-based capital ratio | 19.1355% | 2,140 |
| Memoranda: | ||
| Average total assets | $523,559,600 | 1,284 |
| Average earning assets | $477,851,400 | 1,278 |
| Average equity | $60,889,800 | 1,199 |
| Average total loans | $367,545,000 | 1,202 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2286% | 2,893 |
| Cost of funding earning assets | 0.3358% | 4,513 |
| Net interest margin | 3.8928% | 2,272 |
| Noninterest income to average assets | 1.3631% | 663 |
| Noninterest expense to average assets | 3.5418% | 1,390 |
| Loan and lease loss provision to assets | -0.1777% | 6,367 |
| Net operating income to assets | 1.0843% | 2,093 |
| Return on assets (ROA) | 1.0721% | 2,214 |
| Pretax return on assets | 1.5312% | 1,538 |
| Return on Equity (ROE) | 9.4329% | 2,484 |
| Retained earnings to average equity (ytd only) | 9.4329% | 862 |
| Net charge-offs to loans | 0.0833% | 3,013 |
| Credit loss provision to net charge-offs | -307.0175% | 5,650 |
| Earnings coverage of net charge-offs (x) | 23.6800% | 1,579 |
| Efficiency ratio | 72.0060% | 3,177 |
| Assets per employee ($millions) | 3.4358% | 4,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5918% | 583 |
| Loan loss allowance to noncurrent loans | 89.7884% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 2.4341% | 1,101 |
| Noncurrent loans to loans | 2.8866% | 939 |
| Net loans and leases to total assets | 70.3839% | 2,133 |
| Net loans and leases to deposits | 82.4395% | 2,367 |
| Net loans and leases to core deposits | 85.7025% | 2,693 |
| Total domestic deposits to total assets | 85.3764% | 3,176 |
| Equity capital to assets | 12.0018% | 2,055 |
| Core capital (leverage) ratio | 11.8544% | 1,788 |
| Tier 1 risk-based capital ratio | 16.4440% | 2,835 |
| Total risk-based capital ratio | 17.7103% | 2,782 |
| Memoranda: | ||
| Average total assets | $525,070,750 | 1,288 |
| Average earning assets | $478,787,250 | 1,290 |
| Average equity | $59,676,250 | 1,237 |
| Average total loans | $364,746,750 | 1,212 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1639% | 3,087 |
| Cost of funding earning assets | 0.3459% | 4,472 |
| Net interest margin | 3.8179% | 2,497 |
| Noninterest income to average assets | 1.3393% | 669 |
| Noninterest expense to average assets | 3.4733% | 1,525 |
| Loan and lease loss provision to assets | -0.2276% | 6,491 |
| Net operating income to assets | 1.0955% | 1,964 |
| Return on assets (ROA) | 1.1014% | 2,000 |
| Pretax return on assets | 1.5817% | 1,304 |
| Return on Equity (ROE) | 9.8720% | 2,213 |
| Retained earnings to average equity (ytd only) | 9.8720% | 747 |
| Net charge-offs to loans | 0.0210% | 3,793 |
| Credit loss provision to net charge-offs | -1,578.9474% | 5,791 |
| Earnings coverage of net charge-offs (x) | 93.3421% | 581 |
| Efficiency ratio | 71.9887% | 3,345 |
| Assets per employee ($millions) | 3.5946% | 4,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7228% | 519 |
| Loan loss allowance to noncurrent loans | 86.6620% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 2.6232% | 1,029 |
| Noncurrent loans to loans | 3.1419% | 906 |
| Net loans and leases to total assets | 68.1162% | 2,394 |
| Net loans and leases to deposits | 78.4278% | 2,742 |
| Net loans and leases to core deposits | 81.3777% | 3,054 |
| Total domestic deposits to total assets | 86.8521% | 2,548 |
| Equity capital to assets | 11.5822% | 2,350 |
| Core capital (leverage) ratio | 11.2583% | 2,187 |
| Tier 1 risk-based capital ratio | 16.0168% | 3,074 |
| Total risk-based capital ratio | 17.2845% | 3,004 |
| Memoranda: | ||
| Average total assets | $527,159,330 | 1,275 |
| Average earning assets | $480,468,000 | 1,282 |
| Average equity | $58,813,000 | 1,243 |
| Average total loans | $361,372,000 | 1,220 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0810% | 3,359 |
| Cost of funding earning assets | 0.3566% | 4,473 |
| Net interest margin | 3.7244% | 2,770 |
| Noninterest income to average assets | 1.2825% | 679 |
| Noninterest expense to average assets | 3.4857% | 1,516 |
| Loan and lease loss provision to assets | -0.1514% | 6,532 |
| Net operating income to assets | 0.9380% | 2,464 |
| Return on assets (ROA) | 0.9380% | 2,537 |
| Pretax return on assets | 1.3401% | 1,953 |
| Return on Equity (ROE) | 8.5704% | 2,662 |
| Retained earnings to average equity (ytd only) | 8.5704% | 1,393 |
| Net charge-offs to loans | 0.1797% | 1,644 |
| Credit loss provision to net charge-offs | -124.2236% | 4,871 |
| Earnings coverage of net charge-offs (x) | 9.7516% | 1,912 |
| Efficiency ratio | 74.4736% | 3,054 |
| Assets per employee ($millions) | 3.7355% | 4,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8601% | 504 |
| Loan loss allowance to noncurrent loans | 87.0924% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 2.7702% | 1,081 |
| Noncurrent loans to loans | 3.2840% | 931 |
| Net loans and leases to total assets | 65.3802% | 2,657 |
| Net loans and leases to deposits | 74.8214% | 2,963 |
| Net loans and leases to core deposits | 77.6356% | 3,238 |
| Total domestic deposits to total assets | 87.3817% | 2,578 |
| Equity capital to assets | 10.9833% | 2,728 |
| Core capital (leverage) ratio | 10.9902% | 2,401 |
| Tier 1 risk-based capital ratio | 15.7169% | 3,321 |
| Total risk-based capital ratio | 16.9861% | 3,275 |
| Memoranda: | ||
| Average total assets | $528,331,500 | 1,279 |
| Average earning assets | $481,153,500 | 1,287 |
| Average equity | $57,827,000 | 1,255 |
| Average total loans | $358,313,000 | 1,237 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3480% | 2,779 |
| Cost of funding earning assets | 0.5111% | 3,485 |
| Net interest margin | 3.8369% | 2,514 |
| Noninterest income to average assets | 1.2979% | 823 |
| Noninterest expense to average assets | 3.8508% | 1,056 |
| Loan and lease loss provision to assets | -0.0796% | 6,449 |
| Net operating income to assets | 1.9032% | 392 |
| Return on assets (ROA) | 1.9032% | 407 |
| Pretax return on assets | 1.0254% | 3,245 |
| Return on Equity (ROE) | 20.7229% | 251 |
| Retained earnings to average equity (ytd only) | 20.7229% | 77 |
| Net charge-offs to loans | 0.5370% | 1,235 |
| Credit loss provision to net charge-offs | -21.1864% | 5,714 |
| Earnings coverage of net charge-offs (x) | 2.5160% | 4,173 |
| Efficiency ratio | 80.1922% | 2,124 |
| Assets per employee ($millions) | 3.7055% | 4,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9807% | 483 |
| Loan loss allowance to noncurrent loans | 90.7649% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 2.8244% | 1,147 |
| Noncurrent loans to loans | 3.2840% | 1,003 |
| Net loans and leases to total assets | 66.3086% | 2,646 |
| Net loans and leases to deposits | 75.9555% | 2,970 |
| Net loans and leases to core deposits | 78.8730% | 3,257 |
| Total domestic deposits to total assets | 87.2992% | 2,580 |
| Equity capital to assets | 10.9063% | 2,698 |
| Core capital (leverage) ratio | 10.6885% | 2,691 |
| Tier 1 risk-based capital ratio | 15.3584% | 3,451 |
| Total risk-based capital ratio | 16.6289% | 3,391 |
| Memoranda: | ||
| Average total assets | $533,623,800 | 1,245 |
| Average earning assets | $486,595,600 | 1,258 |
| Average equity | $49,008,600 | 1,438 |
| Average total loans | $373,573,800 | 1,139 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3766% | 2,665 |
| Cost of funding earning assets | 0.5446% | 3,324 |
| Net interest margin | 3.8320% | 2,531 |
| Noninterest income to average assets | 1.2706% | 911 |
| Noninterest expense to average assets | 3.5773% | 1,440 |
| Loan and lease loss provision to assets | 0.6276% | 372 |
| Net operating income to assets | 0.6579% | 4,079 |
| Return on assets (ROA) | 0.6579% | 4,211 |
| Pretax return on assets | 0.5617% | 5,160 |
| Return on Equity (ROE) | 7.5066% | 3,375 |
| Retained earnings to average equity (ytd only) | 7.5066% | 1,635 |
| Net charge-offs to loans | 1.3150% | 402 |
| Credit loss provision to net charge-offs | 67.7852% | 3,109 |
| Earnings coverage of net charge-offs (x) | 1.2846% | 4,411 |
| Efficiency ratio | 74.9596% | 2,912 |
| Assets per employee ($millions) | 3.7482% | 4,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2372% | 436 |
| Loan loss allowance to noncurrent loans | 116.9951% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 2.6088% | 1,451 |
| Noncurrent loans to loans | 2.7670% | 1,515 |
| Net loans and leases to total assets | 66.2241% | 2,596 |
| Net loans and leases to deposits | 74.4208% | 3,169 |
| Net loans and leases to core deposits | 79.4634% | 3,182 |
| Total domestic deposits to total assets | 88.9861% | 1,559 |
| Equity capital to assets | 8.7172% | 5,500 |
| Core capital (leverage) ratio | 9.4639% | 4,457 |
| Tier 1 risk-based capital ratio | 13.6504% | 4,661 |
| Total risk-based capital ratio | 14.9245% | 4,602 |
| Memoranda: | ||
| Average total assets | $536,409,750 | 1,253 |
| Average earning assets | $489,373,000 | 1,258 |
| Average equity | $47,015,000 | 1,503 |
| Average total loans | $377,694,000 | 1,132 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4052% | 2,546 |
| Cost of funding earning assets | 0.5710% | 3,212 |
| Net interest margin | 3.8342% | 2,428 |
| Noninterest income to average assets | 1.2908% | 927 |
| Noninterest expense to average assets | 3.6414% | 1,352 |
| Loan and lease loss provision to assets | 0.8387% | 249 |
| Net operating income to assets | 0.4987% | 4,806 |
| Return on assets (ROA) | 0.4987% | 4,981 |
| Pretax return on assets | 0.3075% | 5,861 |
| Return on Equity (ROE) | 5.6800% | 4,358 |
| Retained earnings to average equity (ytd only) | 5.6800% | 2,623 |
| Net charge-offs to loans | 1.4932% | 356 |
| Credit loss provision to net charge-offs | 79.0306% | 2,648 |
| Earnings coverage of net charge-offs (x) | 1.0801% | 4,170 |
| Efficiency ratio | 75.9732% | 2,793 |
| Assets per employee ($millions) | 3.6750% | 4,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3053% | 433 |
| Loan loss allowance to noncurrent loans | 113.6430% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 2.7885% | 1,488 |
| Noncurrent loans to loans | 2.9085% | 1,542 |
| Net loans and leases to total assets | 67.5712% | 2,329 |
| Net loans and leases to deposits | 75.7576% | 2,914 |
| Net loans and leases to core deposits | 81.1476% | 2,898 |
| Total domestic deposits to total assets | 89.1939% | 1,510 |
| Equity capital to assets | 8.4996% | 5,763 |
| Core capital (leverage) ratio | 9.1340% | 4,776 |
| Tier 1 risk-based capital ratio | 12.9884% | 5,152 |
| Total risk-based capital ratio | 14.2634% | 5,074 |
| Memoranda: | ||
| Average total assets | $536,551,000 | 1,249 |
| Average earning assets | $489,334,330 | 1,257 |
| Average equity | $47,112,330 | 1,508 |
| Average total loans | $381,316,330 | 1,121 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4376% | 2,393 |
| Cost of funding earning assets | 0.6040% | 3,074 |
| Net interest margin | 3.8335% | 2,338 |
| Noninterest income to average assets | 1.0997% | 1,222 |
| Noninterest expense to average assets | 3.8144% | 1,093 |
| Loan and lease loss provision to assets | -0.1870% | 6,892 |
| Net operating income to assets | 0.7540% | 3,414 |
| Return on assets (ROA) | 0.7540% | 3,552 |
| Pretax return on assets | 0.9665% | 3,500 |
| Return on Equity (ROE) | 8.4511% | 2,746 |
| Retained earnings to average equity (ytd only) | 8.4511% | 1,582 |
| Net charge-offs to loans | 0.0720% | 3,121 |
| Credit loss provision to net charge-offs | -362.3188% | 5,392 |
| Earnings coverage of net charge-offs (x) | 15.1014% | 1,417 |
| Efficiency ratio | 82.9344% | 1,895 |
| Assets per employee ($millions) | 3.5100% | 4,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3363% | 483 |
| Loan loss allowance to noncurrent loans | 131.3021% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 2.7723% | 1,638 |
| Noncurrent loans to loans | 2.5409% | 2,033 |
| Net loans and leases to total assets | 68.8206% | 1,871 |
| Net loans and leases to deposits | 77.6202% | 2,396 |
| Net loans and leases to core deposits | 83.0746% | 2,449 |
| Total domestic deposits to total assets | 88.6633% | 1,893 |
| Equity capital to assets | 8.9657% | 5,527 |
| Core capital (leverage) ratio | 9.2594% | 4,463 |
| Tier 1 risk-based capital ratio | 12.8147% | 5,360 |
| Total risk-based capital ratio | 14.0907% | 5,295 |
| Memoranda: | ||
| Average total assets | $534,715,000 | 1,266 |
| Average earning assets | $487,381,500 | 1,272 |
| Average equity | $47,710,000 | 1,510 |
| Average total loans | $383,218,000 | 1,115 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8223% | 2,110 |
| Cost of funding earning assets | 0.8086% | 2,599 |
| Net interest margin | 4.0137% | 2,343 |
| Noninterest income to average assets | 0.9731% | 1,623 |
| Noninterest expense to average assets | 3.4766% | 1,876 |
| Loan and lease loss provision to assets | 0.6704% | 790 |
| Net operating income to assets | 0.3759% | 5,197 |
| Return on assets (ROA) | 0.5359% | 4,797 |
| Pretax return on assets | 0.7202% | 4,594 |
| Return on Equity (ROE) | 6.1436% | 4,093 |
| Retained earnings to average equity (ytd only) | 5.0649% | 2,663 |
| Net charge-offs to loans | 0.8841% | 1,292 |
| Credit loss provision to net charge-offs | 104.0386% | 2,878 |
| Earnings coverage of net charge-offs (x) | 1.8224% | 4,520 |
| Efficiency ratio | 74.6584% | 2,959 |
| Assets per employee ($millions) | 3.5259% | 4,961 |
| Cash dividends to net income (ytd only)* | 17.5581% | 3,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4041% | 467 |
| Loan loss allowance to noncurrent loans | 151.6821% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 2.7425% | 1,758 |
| Noncurrent loans to loans | 2.2442% | 2,410 |
| Net loans and leases to total assets | 69.6878% | 1,902 |
| Net loans and leases to deposits | 78.3845% | 2,478 |
| Net loans and leases to core deposits | 83.7125% | 2,579 |
| Total domestic deposits to total assets | 88.9051% | 1,634 |
| Equity capital to assets | 8.8789% | 5,653 |
| Core capital (leverage) ratio | 9.1549% | 4,652 |
| Tier 1 risk-based capital ratio | 12.3099% | 5,595 |
| Total risk-based capital ratio | 13.5859% | 5,527 |
| Memoranda: | ||
| Average total assets | $530,289,600 | 1,259 |
| Average earning assets | $485,904,800 | 1,257 |
| Average equity | $46,259,200 | 1,507 |
| Average total loans | $386,484,200 | 1,079 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8959% | 2,020 |
| Cost of funding earning assets | 0.8406% | 2,623 |
| Net interest margin | 4.0554% | 2,272 |
| Noninterest income to average assets | 1.0686% | 1,321 |
| Noninterest expense to average assets | 3.5172% | 1,717 |
| Loan and lease loss provision to assets | 0.8696% | 521 |
| Net operating income to assets | 0.2735% | 5,702 |
| Return on assets (ROA) | 0.4696% | 5,215 |
| Pretax return on assets | 0.6931% | 4,889 |
| Return on Equity (ROE) | 5.4079% | 4,639 |
| Retained earnings to average equity (ytd only) | 3.9617% | 4,094 |
| Net charge-offs to loans | 0.8070% | 1,357 |
| Credit loss provision to net charge-offs | 147.4605% | 1,925 |
| Earnings coverage of net charge-offs (x) | 2.1609% | 4,180 |
| Efficiency ratio | 73.3165% | 3,098 |
| Assets per employee ($millions) | 3.4506% | 5,087 |
| Cash dividends to net income (ytd only)* | 26.7418% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6898% | 398 |
| Loan loss allowance to noncurrent loans | 125.7406% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 3.1660% | 1,633 |
| Noncurrent loans to loans | 2.9345% | 1,901 |
| Net loans and leases to total assets | 70.3789% | 1,836 |
| Net loans and leases to deposits | 79.1265% | 2,522 |
| Net loans and leases to core deposits | 84.8109% | 2,603 |
| Total domestic deposits to total assets | 88.9448% | 1,464 |
| Equity capital to assets | 9.0171% | 5,808 |
| Core capital (leverage) ratio | 8.9311% | 5,153 |
| Tier 1 risk-based capital ratio | 12.2720% | 5,793 |
| Total risk-based capital ratio | 13.5519% | 5,736 |
| Memoranda: | ||
| Average total assets | $529,760,500 | 1,274 |
| Average earning assets | $486,322,000 | 1,267 |
| Average equity | $46,006,000 | 1,524 |
| Average total loans | $387,081,000 | 1,089 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9569% | 1,908 |
| Cost of funding earning assets | 0.8579% | 2,737 |
| Net interest margin | 4.0990% | 2,099 |
| Noninterest income to average assets | 1.0573% | 1,292 |
| Noninterest expense to average assets | 3.4997% | 1,788 |
| Loan and lease loss provision to assets | 0.9950% | 443 |
| Net operating income to assets | 0.1947% | 5,933 |
| Return on assets (ROA) | 0.4633% | 5,228 |
| Pretax return on assets | 0.7355% | 4,720 |
| Return on Equity (ROE) | 5.4028% | 4,627 |
| Retained earnings to average equity (ytd only) | 3.2180% | 4,473 |
| Net charge-offs to loans | 0.8161% | 1,352 |
| Credit loss provision to net charge-offs | 166.8766% | 1,666 |
| Earnings coverage of net charge-offs (x) | 2.1984% | 3,883 |
| Efficiency ratio | 72.6663% | 3,308 |
| Assets per employee ($millions) | 3.5454% | 4,880 |
| Cash dividends to net income (ytd only)* | 40.4376% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6443% | 448 |
| Loan loss allowance to noncurrent loans | 117.9360% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 3.2512% | 1,670 |
| Noncurrent loans to loans | 3.0901% | 1,906 |
| Net loans and leases to total assets | 69.5993% | 1,989 |
| Net loans and leases to deposits | 79.3185% | 2,479 |
| Net loans and leases to core deposits | 85.1796% | 2,532 |
| Total domestic deposits to total assets | 87.7466% | 2,311 |
| Equity capital to assets | 8.7637% | 5,955 |
| Core capital (leverage) ratio | 8.7721% | 5,266 |
| Tier 1 risk-based capital ratio | 11.9026% | 5,993 |
| Total risk-based capital ratio | 13.1815% | 5,942 |
| Memoranda: | ||
| Average total assets | $532,667,000 | 1,271 |
| Average earning assets | $487,728,670 | 1,264 |
| Average equity | $45,680,330 | 1,524 |
| Average total loans | $389,190,670 | 1,086 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0893% | 1,606 |
| Cost of funding earning assets | 0.8746% | 2,877 |
| Net interest margin | 4.2147% | 1,719 |
| Noninterest income to average assets | 1.0310% | 1,353 |
| Noninterest expense to average assets | 3.6729% | 1,418 |
| Loan and lease loss provision to assets | 1.5007% | 227 |
| Net operating income to assets | -0.1971% | 6,634 |
| Return on assets (ROA) | 0.3812% | 5,527 |
| Pretax return on assets | 0.5537% | 5,261 |
| Return on Equity (ROE) | 4.4938% | 5,049 |
| Retained earnings to average equity (ytd only) | 2.2911% | 5,111 |
| Net charge-offs to loans | 1.3285% | 766 |
| Credit loss provision to net charge-offs | 153.7279% | 1,635 |
| Earnings coverage of net charge-offs (x) | 1.2460% | 3,713 |
| Efficiency ratio | 75.0460% | 2,932 |
| Assets per employee ($millions) | 3.5654% | 4,964 |
| Cash dividends to net income (ytd only)* | 49.0157% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4899% | 541 |
| Loan loss allowance to noncurrent loans | 126.9646% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 3.0894% | 1,886 |
| Noncurrent loans to loans | 2.7488% | 2,369 |
| Net loans and leases to total assets | 71.4618% | 1,491 |
| Net loans and leases to deposits | 81.1418% | 2,041 |
| Net loans and leases to core deposits | 87.6932% | 2,086 |
| Total domestic deposits to total assets | 88.0703% | 2,268 |
| Equity capital to assets | 8.4730% | 6,108 |
| Core capital (leverage) ratio | 8.4638% | 5,651 |
| Tier 1 risk-based capital ratio | 11.3177% | 6,375 |
| Total risk-based capital ratio | 12.5946% | 6,346 |
| Memoranda: | ||
| Average total assets | $533,095,500 | 1,271 |
| Average earning assets | $488,000,500 | 1,268 |
| Average equity | $45,217,500 | 1,533 |
| Average total loans | $391,718,500 | 1,078 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1280% | 2,340 |
| Cost of funding earning assets | 1.0126% | 3,284 |
| Net interest margin | 4.1154% | 2,365 |
| Noninterest income to average assets | 1.0645% | 1,183 |
| Noninterest expense to average assets | 3.7887% | 1,369 |
| Loan and lease loss provision to assets | 2.2616% | 224 |
| Net operating income to assets | -1.9557% | 7,023 |
| Return on assets (ROA) | -1.9449% | 7,027 |
| Pretax return on assets | -1.2152% | 6,820 |
| Return on Equity (ROE) | -19.5497% | 6,977 |
| Retained earnings to average equity (ytd only) | -22.4879% | 7,002 |
| Net charge-offs to loans | 3.7221% | 187 |
| Credit loss provision to net charge-offs | 79.9845% | 4,457 |
| Earnings coverage of net charge-offs (x) | 0.3663% | 5,542 |
| Efficiency ratio | 78.4459% | 2,534 |
| Assets per employee ($millions) | 3.5663% | 4,852 |
| Cash dividends to net income (ytd only)* | -15.0291% | 7,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2943% | 624 |
| Loan loss allowance to noncurrent loans | 105.1703% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 3.4679% | 1,711 |
| Noncurrent loans to loans | 3.1323% | 2,064 |
| Net loans and leases to total assets | 70.5230% | 1,927 |
| Net loans and leases to deposits | 80.9235% | 2,372 |
| Net loans and leases to core deposits | 88.0761% | 2,366 |
| Total domestic deposits to total assets | 87.1478% | 2,673 |
| Equity capital to assets | 8.4909% | 6,156 |
| Core capital (leverage) ratio | 8.2980% | 5,862 |
| Tier 1 risk-based capital ratio | 11.1060% | 6,400 |
| Total risk-based capital ratio | 12.3803% | 6,364 |
| Memoranda: | ||
| Average total assets | $547,388,000 | 1,205 |
| Average earning assets | $500,100,200 | 1,210 |
| Average equity | $54,456,000 | 1,247 |
| Average total loans | $415,838,200 | 1,010 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1523% | 2,379 |
| Cost of funding earning assets | 1.0596% | 3,250 |
| Net interest margin | 4.0928% | 2,503 |
| Noninterest income to average assets | 1.0368% | 1,258 |
| Noninterest expense to average assets | 3.4904% | 1,962 |
| Loan and lease loss provision to assets | 2.2791% | 214 |
| Net operating income to assets | -0.6257% | 6,713 |
| Return on assets (ROA) | -0.6193% | 6,748 |
| Pretax return on assets | -0.9886% | 6,872 |
| Return on Equity (ROE) | -6.0099% | 6,717 |
| Retained earnings to average equity (ytd only) | -9.3055% | 6,832 |
| Net charge-offs to loans | 2.1909% | 559 |
| Credit loss provision to net charge-offs | 135.6091% | 2,355 |
| Earnings coverage of net charge-offs (x) | 0.7620% | 5,043 |
| Efficiency ratio | 73.0716% | 3,350 |
| Assets per employee ($millions) | 3.5590% | 4,857 |
| Cash dividends to net income (ytd only)* | -54.8375% | 7,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5214% | 260 |
| Loan loss allowance to noncurrent loans | 77.9360% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 5.4192% | 1,034 |
| Noncurrent loans to loans | 5.8015% | 981 |
| Net loans and leases to total assets | 72.2240% | 1,662 |
| Net loans and leases to deposits | 85.2755% | 1,790 |
| Net loans and leases to core deposits | 93.7858% | 1,812 |
| Total domestic deposits to total assets | 84.6949% | 3,916 |
| Equity capital to assets | 10.0949% | 4,212 |
| Core capital (leverage) ratio | 9.4254% | 4,261 |
| Tier 1 risk-based capital ratio | 12.1945% | 5,746 |
| Total risk-based capital ratio | 13.4837% | 5,704 |
| Memoranda: | ||
| Average total assets | $549,606,250 | 1,210 |
| Average earning assets | $501,456,250 | 1,213 |
| Average equity | $56,638,750 | 1,197 |
| Average total loans | $421,619,250 | 997 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1443% | 2,489 |
| Cost of funding earning assets | 1.0860% | 3,344 |
| Net interest margin | 4.0584% | 2,581 |
| Noninterest income to average assets | 1.0122% | 1,292 |
| Noninterest expense to average assets | 3.2631% | 2,689 |
| Loan and lease loss provision to assets | 1.3828% | 530 |
| Net operating income to assets | 0.0753% | 6,068 |
| Return on assets (ROA) | 0.0901% | 6,120 |
| Pretax return on assets | 0.0865% | 6,123 |
| Return on Equity (ROE) | 0.8689% | 6,118 |
| Retained earnings to average equity (ytd only) | -2.9696% | 6,371 |
| Net charge-offs to loans | 2.8552% | 381 |
| Credit loss provision to net charge-offs | 62.8496% | 4,277 |
| Earnings coverage of net charge-offs (x) | 0.6611% | 4,800 |
| Efficiency ratio | 69.0838% | 4,308 |
| Assets per employee ($millions) | 3.6482% | 4,569 |
| Cash dividends to net income (ytd only)* | 441.7671% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3160% | 696 |
| Loan loss allowance to noncurrent loans | 95.4420% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 3.6305% | 1,812 |
| Noncurrent loans to loans | 3.4744% | 2,035 |
| Net loans and leases to total assets | 72.4455% | 1,700 |
| Net loans and leases to deposits | 84.2848% | 2,067 |
| Net loans and leases to core deposits | 94.4178% | 1,853 |
| Total domestic deposits to total assets | 85.9532% | 3,350 |
| Equity capital to assets | 10.3075% | 3,740 |
| Core capital (leverage) ratio | 10.0707% | 3,176 |
| Tier 1 risk-based capital ratio | 12.9262% | 4,977 |
| Total risk-based capital ratio | 14.2007% | 4,935 |
| Memoranda: | ||
| Average total assets | $552,487,000 | 1,214 |
| Average earning assets | $504,440,000 | 1,210 |
| Average equity | $57,315,000 | 1,170 |
| Average total loans | $425,756,330 | 1,010 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1106% | 2,595 |
| Cost of funding earning assets | 1.1074% | 3,477 |
| Net interest margin | 4.0032% | 2,672 |
| Noninterest income to average assets | 0.9799% | 1,387 |
| Noninterest expense to average assets | 3.2945% | 2,575 |
| Loan and lease loss provision to assets | 0.1958% | 3,667 |
| Net operating income to assets | 0.7906% | 3,079 |
| Return on assets (ROA) | 0.7906% | 3,149 |
| Pretax return on assets | 1.1475% | 2,575 |
| Return on Equity (ROE) | 7.5966% | 3,103 |
| Retained earnings to average equity (ytd only) | 3.7635% | 3,912 |
| Net charge-offs to loans | 2.9122% | 374 |
| Credit loss provision to net charge-offs | 8.6069% | 4,396 |
| Earnings coverage of net charge-offs (x) | 0.5904% | 4,183 |
| Efficiency ratio | 70.9415% | 4,071 |
| Assets per employee ($millions) | 3.6775% | 4,585 |
| Cash dividends to net income (ytd only)* | 50.4587% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0877% | 843 |
| Loan loss allowance to noncurrent loans | 103.9223% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 3.2379% | 2,122 |
| Noncurrent loans to loans | 2.9712% | 2,528 |
| Net loans and leases to total assets | 73.9378% | 1,355 |
| Net loans and leases to deposits | 86.4979% | 1,651 |
| Net loans and leases to core deposits | 97.9182% | 1,532 |
| Total domestic deposits to total assets | 85.4793% | 3,795 |
| Equity capital to assets | 10.3277% | 3,373 |
| Core capital (leverage) ratio | 10.3955% | 2,708 |
| Tier 1 risk-based capital ratio | 13.0177% | 4,813 |
| Total risk-based capital ratio | 14.2894% | 4,781 |
| Memoranda: | ||
| Average total assets | $551,471,000 | 1,224 |
| Average earning assets | $503,895,500 | 1,221 |
| Average equity | $57,394,000 | 1,153 |
| Average total loans | $430,883,500 | 1,014 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4680% | 2,412 |
| Cost of funding earning assets | 1.2809% | 4,014 |
| Net interest margin | 4.1870% | 2,237 |
| Noninterest income to average assets | 1.1118% | 1,198 |
| Noninterest expense to average assets | 3.7552% | 1,579 |
| Loan and lease loss provision to assets | 2.1547% | 586 |
| Net operating income to assets | -0.5980% | 6,448 |
| Return on assets (ROA) | -0.5988% | 6,476 |
| Pretax return on assets | -0.9720% | 6,623 |
| Return on Equity (ROE) | -5.2006% | 6,451 |
| Retained earnings to average equity (ytd only) | -9.3085% | 6,624 |
| Net charge-offs to loans | 0.6357% | 3,114 |
| Credit loss provision to net charge-offs | 418.8147% | 567 |
| Earnings coverage of net charge-offs (x) | 2.3013% | 4,000 |
| Efficiency ratio | 75.3970% | 3,134 |
| Assets per employee ($millions) | 3.5094% | 4,917 |
| Cash dividends to net income (ytd only)* | -78.9877% | 7,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6839% | 515 |
| Loan loss allowance to noncurrent loans | 140.4695% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 2.8269% | 2,478 |
| Noncurrent loans to loans | 2.6226% | 2,901 |
| Net loans and leases to total assets | 77.0763% | 1,080 |
| Net loans and leases to deposits | 90.4364% | 1,469 |
| Net loans and leases to core deposits | 105.4389% | 1,226 |
| Total domestic deposits to total assets | 85.2271% | 3,740 |
| Equity capital to assets | 10.4894% | 3,168 |
| Core capital (leverage) ratio | 10.4050% | 2,662 |
| Tier 1 risk-based capital ratio | 12.7836% | 4,785 |
| Total risk-based capital ratio | 14.0628% | 4,731 |
| Memoranda: | ||
| Average total assets | $544,444,800 | 1,232 |
| Average earning assets | $497,680,400 | 1,238 |
| Average equity | $62,684,600 | 1,068 |
| Average total loans | $440,587,600 | 1,021 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4921% | 2,458 |
| Cost of funding earning assets | 1.3239% | 4,080 |
| Net interest margin | 4.1682% | 2,340 |
| Noninterest income to average assets | 1.0668% | 1,259 |
| Noninterest expense to average assets | 3.2762% | 2,653 |
| Loan and lease loss provision to assets | 0.6393% | 2,391 |
| Net operating income to assets | 0.6699% | 3,542 |
| Return on assets (ROA) | 0.6687% | 3,713 |
| Pretax return on assets | 0.9583% | 3,339 |
| Return on Equity (ROE) | 5.6813% | 3,971 |
| Retained earnings to average equity (ytd only) | 1.6247% | 5,139 |
| Net charge-offs to loans | 0.3388% | 3,948 |
| Credit loss provision to net charge-offs | 232.5022% | 1,472 |
| Earnings coverage of net charge-offs (x) | 5.8165% | 2,670 |
| Efficiency ratio | 67.1119% | 4,640 |
| Assets per employee ($millions) | 3.4617% | 5,074 |
| Cash dividends to net income (ytd only)* | 71.4026% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9569% | 2,336 |
| Loan loss allowance to noncurrent loans | 94.9508% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 2.8980% | 2,503 |
| Noncurrent loans to loans | 2.0610% | 3,606 |
| Net loans and leases to total assets | 79.7315% | 792 |
| Net loans and leases to deposits | 95.0035% | 1,099 |
| Net loans and leases to core deposits | 111.1065% | 974 |
| Total domestic deposits to total assets | 83.9248% | 4,171 |
| Equity capital to assets | 11.9556% | 2,182 |
| Core capital (leverage) ratio | 11.6320% | 1,857 |
| Tier 1 risk-based capital ratio | 14.0005% | 3,833 |
| Total risk-based capital ratio | 15.2585% | 3,802 |
| Memoranda: | ||
| Average total assets | $544,565,750 | 1,246 |
| Average earning assets | $497,597,750 | 1,249 |
| Average equity | $64,091,250 | 1,042 |
| Average total loans | $441,909,250 | 1,020 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4937% | 2,544 |
| Cost of funding earning assets | 1.3786% | 4,011 |
| Net interest margin | 4.1150% | 2,483 |
| Noninterest income to average assets | 0.9973% | 1,387 |
| Noninterest expense to average assets | 3.2244% | 2,817 |
| Loan and lease loss provision to assets | 0.5168% | 2,732 |
| Net operating income to assets | 0.7074% | 3,370 |
| Return on assets (ROA) | 0.7080% | 3,521 |
| Pretax return on assets | 1.0174% | 3,051 |
| Return on Equity (ROE) | 6.0469% | 3,785 |
| Retained earnings to average equity (ytd only) | 1.9802% | 4,872 |
| Net charge-offs to loans | 0.3988% | 3,384 |
| Credit loss provision to net charge-offs | 159.7961% | 2,462 |
| Earnings coverage of net charge-offs (x) | 4.7418% | 2,860 |
| Efficiency ratio | 67.6853% | 4,633 |
| Assets per employee ($millions) | 3.3683% | 5,264 |
| Cash dividends to net income (ytd only)* | 67.2530% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7252% | 2,978 |
| Loan loss allowance to noncurrent loans | 107.0087% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 2.6531% | 2,725 |
| Noncurrent loans to loans | 1.6122% | 4,293 |
| Net loans and leases to total assets | 80.1877% | 764 |
| Net loans and leases to deposits | 98.3441% | 841 |
| Net loans and leases to core deposits | 112.5096% | 1,003 |
| Total domestic deposits to total assets | 81.5378% | 5,182 |
| Equity capital to assets | 11.8625% | 2,175 |
| Core capital (leverage) ratio | 11.6196% | 1,849 |
| Tier 1 risk-based capital ratio | 13.7474% | 3,908 |
| Total risk-based capital ratio | 15.0018% | 3,866 |
| Memoranda: | ||
| Average total assets | $546,079,330 | 1,248 |
| Average earning assets | $499,048,670 | 1,255 |
| Average equity | $63,934,000 | 1,041 |
| Average total loans | $442,824,330 | 1,027 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4954% | 2,600 |
| Cost of funding earning assets | 1.4596% | 3,809 |
| Net interest margin | 4.0357% | 2,715 |
| Noninterest income to average assets | 0.9497% | 1,453 |
| Noninterest expense to average assets | 3.1914% | 2,907 |
| Loan and lease loss provision to assets | 0.3000% | 3,637 |
| Net operating income to assets | 0.7954% | 2,985 |
| Return on assets (ROA) | 0.7964% | 3,088 |
| Pretax return on assets | 1.1512% | 2,549 |
| Return on Equity (ROE) | 6.8470% | 3,419 |
| Retained earnings to average equity (ytd only) | 2.7677% | 4,474 |
| Net charge-offs to loans | 0.3178% | 3,142 |
| Credit loss provision to net charge-offs | 116.7614% | 2,987 |
| Earnings coverage of net charge-offs (x) | 5.6420% | 2,354 |
| Efficiency ratio | 68.6851% | 4,578 |
| Assets per employee ($millions) | 3.3780% | 5,346 |
| Cash dividends to net income (ytd only)* | 59.5784% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6191% | 3,365 |
| Loan loss allowance to noncurrent loans | 79.8062% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 2.8559% | 2,531 |
| Noncurrent loans to loans | 2.0288% | 3,748 |
| Net loans and leases to total assets | 80.0513% | 841 |
| Net loans and leases to deposits | 95.4074% | 1,180 |
| Net loans and leases to core deposits | 112.0736% | 1,160 |
| Total domestic deposits to total assets | 83.9047% | 4,187 |
| Equity capital to assets | 11.7786% | 2,183 |
| Core capital (leverage) ratio | 11.5378% | 1,889 |
| Tier 1 risk-based capital ratio | 13.7312% | 3,843 |
| Total risk-based capital ratio | 14.9850% | 3,793 |
| Memoranda: | ||
| Average total assets | $547,967,000 | 1,275 |
| Average earning assets | $501,222,000 | 1,282 |
| Average equity | $63,735,500 | 1,048 |
| Average total loans | $442,989,000 | 1,056 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4099% | 4,655 |
| Cost of funding earning assets | 1.7001% | 4,508 |
| Net interest margin | 3.7098% | 4,095 |
| Noninterest income to average assets | 0.9956% | 1,589 |
| Noninterest expense to average assets | 3.3458% | 2,852 |
| Loan and lease loss provision to assets | 0.4178% | 4,311 |
| Net operating income to assets | 0.4695% | 3,861 |
| Return on assets (ROA) | 0.4708% | 3,967 |
| Pretax return on assets | 0.6483% | 3,750 |
| Return on Equity (ROE) | 4.3725% | 3,940 |
| Retained earnings to average equity (ytd only) | 0.0287% | 4,898 |
| Net charge-offs to loans | 0.1882% | 5,477 |
| Credit loss provision to net charge-offs | 272.5118% | 1,268 |
| Earnings coverage of net charge-offs (x) | 6.9419% | 2,258 |
| Efficiency ratio | 75.8300% | 3,556 |
| Assets per employee ($millions) | 3.3870% | 5,288 |
| Cash dividends to net income (ytd only)* | 99.3441% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6025% | 3,271 |
| Loan loss allowance to noncurrent loans | 83.5116% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 2.6756% | 2,623 |
| Noncurrent loans to loans | 1.9188% | 3,776 |
| Net loans and leases to total assets | 79.0365% | 1,172 |
| Net loans and leases to deposits | 94.0224% | 1,596 |
| Net loans and leases to core deposits | 128.7641% | 1,350 |
| Total domestic deposits to total assets | 84.0613% | 4,001 |
| Equity capital to assets | 11.4862% | 2,329 |
| Core capital (leverage) ratio | 11.3708% | 1,991 |
| Tier 1 risk-based capital ratio | 13.5871% | 3,769 |
| Total risk-based capital ratio | 14.8407% | 3,708 |
| Memoranda: | ||
| Average total assets | $550,514,400 | 1,259 |
| Average earning assets | $506,680,600 | 1,244 |
| Average equity | $59,280,000 | 1,116 |
| Average total loans | $448,520,400 | 1,069 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3680% | 5,100 |
| Cost of funding earning assets | 1.7394% | 4,699 |
| Net interest margin | 3.6286% | 4,380 |
| Noninterest income to average assets | 0.9571% | 1,753 |
| Noninterest expense to average assets | 3.3332% | 2,794 |
| Loan and lease loss provision to assets | 0.4978% | 3,408 |
| Net operating income to assets | 0.3465% | 4,616 |
| Return on assets (ROA) | 0.3483% | 4,701 |
| Pretax return on assets | 0.4731% | 4,606 |
| Return on Equity (ROE) | 3.2894% | 4,665 |
| Retained earnings to average equity (ytd only) | -1.1171% | 5,523 |
| Net charge-offs to loans | 0.1550% | 5,160 |
| Credit loss provision to net charge-offs | 392.7342% | 1,020 |
| Earnings coverage of net charge-offs (x) | 7.6405% | 2,376 |
| Efficiency ratio | 77.4579% | 3,245 |
| Assets per employee ($millions) | 3.5138% | 4,892 |
| Cash dividends to net income (ytd only)* | 133.9597% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5960% | 3,005 |
| Loan loss allowance to noncurrent loans | 63.4981% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 3.0692% | 2,242 |
| Noncurrent loans to loans | 2.5134% | 2,994 |
| Net loans and leases to total assets | 80.2596% | 1,124 |
| Net loans and leases to deposits | 98.9954% | 1,212 |
| Net loans and leases to core deposits | 134.1674% | 1,198 |
| Total domestic deposits to total assets | 81.0741% | 5,050 |
| Equity capital to assets | 11.2761% | 2,767 |
| Core capital (leverage) ratio | 11.3366% | 2,170 |
| Tier 1 risk-based capital ratio | 13.3851% | 3,935 |
| Total risk-based capital ratio | 14.6387% | 3,874 |
| Memoranda: | ||
| Average total assets | $550,124,750 | 1,276 |
| Average earning assets | $507,066,750 | 1,252 |
| Average equity | $58,247,000 | 1,151 |
| Average total loans | $449,789,250 | 1,086 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3194% | 5,559 |
| Cost of funding earning assets | 1.7992% | 4,767 |
| Net interest margin | 3.5202% | 4,701 |
| Noninterest income to average assets | 0.9512% | 1,753 |
| Noninterest expense to average assets | 3.3497% | 2,795 |
| Loan and lease loss provision to assets | 0.6041% | 2,635 |
| Net operating income to assets | 0.1939% | 5,282 |
| Return on assets (ROA) | 0.1969% | 5,355 |
| Pretax return on assets | 0.2442% | 5,340 |
| Return on Equity (ROE) | 1.9007% | 5,341 |
| Retained earnings to average equity (ytd only) | -2.4031% | 5,839 |
| Net charge-offs to loans | 0.1259% | 4,906 |
| Credit loss provision to net charge-offs | 586.5724% | 796 |
| Earnings coverage of net charge-offs (x) | 8.2014% | 2,296 |
| Efficiency ratio | 79.8369% | 3,064 |
| Assets per employee ($millions) | 3.4637% | 4,911 |
| Cash dividends to net income (ytd only)* | 226.4325% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5724% | 2,856 |
| Loan loss allowance to noncurrent loans | 47.2023% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 3.6759% | 1,679 |
| Noncurrent loans to loans | 3.3313% | 2,115 |
| Net loans and leases to total assets | 80.3726% | 1,246 |
| Net loans and leases to deposits | 95.2799% | 1,906 |
| Net loans and leases to core deposits | 130.0948% | 1,548 |
| Total domestic deposits to total assets | 84.3542% | 3,571 |
| Equity capital to assets | 11.1681% | 2,777 |
| Core capital (leverage) ratio | 11.2660% | 2,216 |
| Tier 1 risk-based capital ratio | 13.4563% | 3,838 |
| Total risk-based capital ratio | 14.7097% | 3,781 |
| Memoranda: | ||
| Average total assets | $549,609,000 | 1,288 |
| Average earning assets | $506,340,000 | 1,272 |
| Average equity | $56,927,000 | 1,182 |
| Average total loans | $449,735,330 | 1,109 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2951% | 5,910 |
| Cost of funding earning assets | 1.8891% | 4,689 |
| Net interest margin | 3.4060% | 5,117 |
| Noninterest income to average assets | 0.9035% | 1,834 |
| Noninterest expense to average assets | 3.0531% | 3,547 |
| Loan and lease loss provision to assets | 0.8504% | 1,532 |
| Net operating income to assets | 0.1232% | 5,908 |
| Return on assets (ROA) | 0.1271% | 6,063 |
| Pretax return on assets | 0.1416% | 6,072 |
| Return on Equity (ROE) | 1.2767% | 6,043 |
| Retained earnings to average equity (ytd only) | -2.7357% | 6,227 |
| Net charge-offs to loans | 0.2305% | 3,258 |
| Credit loss provision to net charge-offs | 450.3846% | 1,176 |
| Earnings coverage of net charge-offs (x) | 5.2308% | 2,718 |
| Efficiency ratio | 75.5212% | 3,562 |
| Assets per employee ($millions) | 3.4422% | 4,967 |
| Cash dividends to net income (ytd only)* | 314.2857% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4569% | 3,191 |
| Loan loss allowance to noncurrent loans | 43.5166% | 5,620 |
| Noncurrent assets plus other real estate owned to assets | 3.5691% | 1,491 |
| Noncurrent loans to loans | 3.3479% | 1,917 |
| Net loans and leases to total assets | 80.0767% | 1,372 |
| Net loans and leases to deposits | 94.8165% | 2,133 |
| Net loans and leases to core deposits | 127.0073% | 1,847 |
| Total domestic deposits to total assets | 84.4543% | 3,484 |
| Equity capital to assets | 11.1372% | 2,864 |
| Core capital (leverage) ratio | 11.4207% | 2,195 |
| Tier 1 risk-based capital ratio | 13.3299% | 3,978 |
| Total risk-based capital ratio | 14.5817% | 3,890 |
| Memoranda: | ||
| Average total assets | $550,777,500 | 1,287 |
| Average earning assets | $507,339,000 | 1,275 |
| Average equity | $54,830,500 | 1,239 |
| Average total loans | $451,161,000 | 1,113 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1584% | 4,737 |
| Cost of funding earning assets | 2.4209% | 4,628 |
| Net interest margin | 3.7375% | 4,293 |
| Noninterest income to average assets | 1.0958% | 1,311 |
| Noninterest expense to average assets | 2.9180% | 4,387 |
| Loan and lease loss provision to assets | 0.3679% | 3,478 |
| Net operating income to assets | 0.8811% | 3,088 |
| Return on assets (ROA) | 0.8814% | 2,928 |
| Pretax return on assets | 1.2714% | 2,403 |
| Return on Equity (ROE) | 9.8174% | 2,327 |
| Retained earnings to average equity (ytd only) | -0.7008% | 5,514 |
| Net charge-offs to loans | 0.1224% | 5,020 |
| Credit loss provision to net charge-offs | 361.8875% | 1,224 |
| Earnings coverage of net charge-offs (x) | 16.1216% | 1,868 |
| Efficiency ratio | 64.0092% | 5,558 |
| Assets per employee ($millions) | 3.4210% | 4,880 |
| Cash dividends to net income (ytd only)* | 107.1384% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 4,140 |
| Loan loss allowance to noncurrent loans | 40.7648% | 6,004 |
| Noncurrent assets plus other real estate owned to assets | 3.3178% | 1,360 |
| Noncurrent loans to loans | 3.0665% | 1,742 |
| Net loans and leases to total assets | 81.5424% | 1,314 |
| Net loans and leases to deposits | 99.7118% | 1,859 |
| Net loans and leases to core deposits | 121.3769% | 2,567 |
| Total domestic deposits to total assets | 81.7780% | 4,285 |
| Equity capital to assets | 8.7583% | 5,716 |
| Core capital (leverage) ratio | 8.9929% | 4,750 |
| Tier 1 risk-based capital ratio | 10.4287% | 6,286 |
| Total risk-based capital ratio | 11.6340% | 6,209 |
| Memoranda: | ||
| Average total assets | $541,984,400 | 1,256 |
| Average earning assets | $501,918,200 | 1,227 |
| Average equity | $48,658,600 | 1,412 |
| Average total loans | $449,986,400 | 1,068 |