Home > First Bank of Berne > Performance and Condition Ratios
First Bank of Berne, 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 | 4.5390% | 3,033 |
| Cost of funding earning assets | 1.7810% | 1,280 |
| Net interest margin | 2.7580% | 3,738 |
| Noninterest income to average assets | 0.6400% | 1,394 |
| Noninterest expense to average assets | 1.9073% | 3,821 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.3054% | 1,426 |
| Return on assets (ROA) | 1.3054% | 1,390 |
| Pretax return on assets | 1.3054% | 1,859 |
| Return on Equity (ROE) | 31.0700% | 166 |
| Retained earnings to average equity (ytd only) | 3.3797% | 3,171 |
| Net charge-offs to loans | 0.0101% | 2,272 |
| Credit loss provision to net charge-offs | 958.9041% | 428 |
| Earnings coverage of net charge-offs (x) | 197.1096% | 589 |
| Efficiency ratio | 58.1581% | 3,283 |
| Assets per employee ($millions) | 9.8836% | 733 |
| Cash dividends to net income (ytd only)* | 89.1227% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4092% | 1,361 |
| Loan loss allowance to noncurrent loans | 226.9588% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.4340% | 1,283 |
| Noncurrent loans to loans | 0.6209% | 1,270 |
| Net loans and leases to total assets | 68.9200% | 1,932 |
| Net loans and leases to deposits | 79.9124% | 2,118 |
| Net loans and leases to core deposits | 80.6488% | 2,672 |
| Total domestic deposits to total assets | 86.2500% | 1,929 |
| Equity capital to assets | 4.5685% | 4,463 |
| Core capital (leverage) ratio | 8.9809% | 3,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2189% | 2,519 |
| Memoranda: | ||
| Average total assets | $1,048,622,800 | 942 |
| Average earning assets | $1,004,583,400 | 903 |
| Average equity | $44,057,600 | 1,758 |
| Average total loans | $723,451,400 | 929 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4578% | 2,994 |
| Cost of funding earning assets | 1.6902% | 1,209 |
| Net interest margin | 2.7675% | 3,783 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 1.9049% | 3,795 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.3518% | 1,418 |
| Return on assets (ROA) | 1.3518% | 1,396 |
| Pretax return on assets | 1.3518% | 1,890 |
| Return on Equity (ROE) | 32.9100% | 180 |
| Retained earnings to average equity (ytd only) | 2.1268% | 3,708 |
| Net charge-offs to loans | 0.0056% | 2,254 |
| Credit loss provision to net charge-offs | 750.0000% | 490 |
| Earnings coverage of net charge-offs (x) | 360.3000% | 396 |
| Efficiency ratio | 57.9809% | 3,207 |
| Assets per employee ($millions) | 9.6320% | 761 |
| Cash dividends to net income (ytd only)* | 93.5374% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3706% | 1,580 |
| Loan loss allowance to noncurrent loans | 234.0060% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.4144% | 1,403 |
| Noncurrent loans to loans | 0.5857% | 1,368 |
| Net loans and leases to total assets | 69.7800% | 1,859 |
| Net loans and leases to deposits | 79.6006% | 2,088 |
| Net loans and leases to core deposits | 80.9470% | 2,534 |
| Total domestic deposits to total assets | 87.6700% | 1,675 |
| Equity capital to assets | 3.3906% | 4,464 |
| Core capital (leverage) ratio | 8.9000% | 3,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1812% | 2,559 |
| Memoranda: | ||
| Average total assets | $1,043,921,750 | 945 |
| Average earning assets | $999,850,750 | 906 |
| Average equity | $42,880,750 | 1,777 |
| Average total loans | $717,766,000 | 933 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3382% | 3,024 |
| Cost of funding earning assets | 1.5374% | 1,180 |
| Net interest margin | 2.8007% | 3,820 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 1.8918% | 3,838 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.3946% | 1,351 |
| Return on assets (ROA) | 1.3946% | 1,324 |
| Pretax return on assets | 1.3946% | 1,825 |
| Return on Equity (ROE) | 32.0900% | 179 |
| Retained earnings to average equity (ytd only) | 1.2682% | 3,861 |
| Net charge-offs to loans | 0.0022% | 2,282 |
| Credit loss provision to net charge-offs | 1,875.0000% | 278 |
| Earnings coverage of net charge-offs (x) | 929.7500% | 162 |
| Efficiency ratio | 57.0653% | 3,296 |
| Assets per employee ($millions) | 9.7730% | 714 |
| Cash dividends to net income (ytd only)* | 96.0483% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3851% | 1,581 |
| Loan loss allowance to noncurrent loans | 281.5657% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.3377% | 1,570 |
| Noncurrent loans to loans | 0.4919% | 1,482 |
| Net loans and leases to total assets | 67.6900% | 1,988 |
| Net loans and leases to deposits | 75.5968% | 2,354 |
| Net loans and leases to core deposits | 76.8247% | 2,704 |
| Total domestic deposits to total assets | 89.5400% | 1,072 |
| Equity capital to assets | 4.2642% | 4,477 |
| Core capital (leverage) ratio | 8.8921% | 3,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2013% | 2,573 |
| Memoranda: | ||
| Average total assets | $1,045,142,333 | 932 |
| Average earning assets | $1,000,882,333 | 901 |
| Average equity | $45,417,333 | 1,711 |
| Average total loans | $711,684,333 | 923 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2549% | 2,912 |
| Cost of funding earning assets | 1.4314% | 968 |
| Net interest margin | 2.8235% | 3,920 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 1.9112% | 3,831 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.3481% | 1,552 |
| Return on assets (ROA) | 1.3481% | 1,519 |
| Pretax return on assets | 1.3481% | 2,024 |
| Return on Equity (ROE) | 30.7300% | 220 |
| Retained earnings to average equity (ytd only) | -2.5865% | 4,229 |
| Net charge-offs to loans | 0.0227% | 1,229 |
| Credit loss provision to net charge-offs | 187.5000% | 852 |
| Earnings coverage of net charge-offs (x) | 89.5000% | 841 |
| Efficiency ratio | 58.1238% | 3,182 |
| Assets per employee ($millions) | 9.3207% | 835 |
| Cash dividends to net income (ytd only)* | 108.4165% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4165% | 1,561 |
| Loan loss allowance to noncurrent loans | 296.3582% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.3238% | 1,555 |
| Noncurrent loans to loans | 0.4780% | 1,518 |
| Net loans and leases to total assets | 66.7900% | 1,977 |
| Net loans and leases to deposits | 72.7129% | 2,405 |
| Net loans and leases to core deposits | 75.0615% | 2,597 |
| Total domestic deposits to total assets | 91.8500% | 550 |
| Equity capital to assets | 4.7077% | 4,463 |
| Core capital (leverage) ratio | 8.9151% | 3,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4969% | 2,574 |
| Memoranda: | ||
| Average total assets | $1,039,974,000 | 954 |
| Average earning assets | $995,372,500 | 919 |
| Average equity | $45,622,000 | 1,723 |
| Average total loans | $705,275,000 | 950 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7570% | 2,389 |
| Cost of funding earning assets | 0.4960% | 1,420 |
| Net interest margin | 3.2610% | 2,675 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 1.8185% | 3,997 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.9305% | 338 |
| Return on assets (ROA) | 1.9307% | 326 |
| Pretax return on assets | 1.9307% | 542 |
| Return on Equity (ROE) | 34.1300% | 78 |
| Retained earnings to average equity (ytd only) | 11.1410% | 854 |
| Net charge-offs to loans | 0.0091% | 2,041 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 330.4032% | 458 |
| Efficiency ratio | 48.5069% | 4,212 |
| Assets per employee ($millions) | 9.5032% | 782 |
| Cash dividends to net income (ytd only)* | 67.3565% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 2,238 |
| Loan loss allowance to noncurrent loans | 263.0075% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.3181% | 1,592 |
| Noncurrent loans to loans | 0.4685% | 1,532 |
| Net loans and leases to total assets | 67.0500% | 1,926 |
| Net loans and leases to deposits | 72.7208% | 2,351 |
| Net loans and leases to core deposits | 72.7790% | 2,663 |
| Total domestic deposits to total assets | 92.2000% | 587 |
| Equity capital to assets | 4.0692% | 4,510 |
| Core capital (leverage) ratio | 8.9307% | 3,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4778% | 2,577 |
| Memoranda: | ||
| Average total assets | $1,061,149,200 | 931 |
| Average earning assets | $1,015,392,600 | 896 |
| Average equity | $60,030,400 | 1,401 |
| Average total loans | $680,031,800 | 931 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6076% | 2,319 |
| Cost of funding earning assets | 0.3474% | 1,730 |
| Net interest margin | 3.2603% | 2,427 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 1.7600% | 4,054 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.9623% | 304 |
| Return on assets (ROA) | 1.9627% | 302 |
| Pretax return on assets | 1.9627% | 507 |
| Return on Equity (ROE) | 32.4600% | 81 |
| Retained earnings to average equity (ytd only) | 11.5498% | 906 |
| Net charge-offs to loans | 0.0065% | 1,915 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 475.0303% | 327 |
| Efficiency ratio | 47.2828% | 4,313 |
| Assets per employee ($millions) | 9.3301% | 796 |
| Cash dividends to net income (ytd only)* | 64.4174% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2478% | 2,272 |
| Loan loss allowance to noncurrent loans | 258.7437% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.3245% | 1,647 |
| Noncurrent loans to loans | 0.4822% | 1,595 |
| Net loans and leases to total assets | 66.4500% | 1,843 |
| Net loans and leases to deposits | 72.1821% | 2,189 |
| Net loans and leases to core deposits | 72.2210% | 2,470 |
| Total domestic deposits to total assets | 92.0600% | 859 |
| Equity capital to assets | 4.0662% | 4,469 |
| Core capital (leverage) ratio | 8.7031% | 3,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3769% | 2,697 |
| Memoranda: | ||
| Average total assets | $1,065,098,000 | 933 |
| Average earning assets | $1,019,105,250 | 899 |
| Average equity | $64,403,500 | 1,344 |
| Average total loans | $672,625,750 | 934 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4577% | 2,270 |
| Cost of funding earning assets | 0.2383% | 2,415 |
| Net interest margin | 3.2194% | 2,128 |
| Noninterest income to average assets | 0.5977% | 1,751 |
| Noninterest expense to average assets | 1.7175% | 4,115 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.9608% | 245 |
| Return on assets (ROA) | 1.9614% | 245 |
| Pretax return on assets | 1.9614% | 415 |
| Return on Equity (ROE) | 29.3163% | 65 |
| Retained earnings to average equity (ytd only) | 11.7449% | 648 |
| Net charge-offs to loans | 0.0036% | 1,911 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 875.6667% | 154 |
| Efficiency ratio | 46.6924% | 4,417 |
| Assets per employee ($millions) | 9.3043% | 804 |
| Cash dividends to net income (ytd only)* | 59.9372% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2919% | 2,223 |
| Loan loss allowance to noncurrent loans | 284.1680% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.2918% | 1,839 |
| Noncurrent loans to loans | 0.4546% | 1,758 |
| Net loans and leases to total assets | 63.3520% | 1,980 |
| Net loans and leases to deposits | 69.2336% | 2,281 |
| Net loans and leases to core deposits | 69.2705% | 2,546 |
| Total domestic deposits to total assets | 91.5047% | 1,027 |
| Equity capital to assets | 5.0017% | 4,477 |
| Core capital (leverage) ratio | 8.4690% | 3,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6435% | 2,636 |
| Memoranda: | ||
| Average total assets | $1,071,807,333 | 920 |
| Average earning assets | $1,025,587,333 | 899 |
| Average equity | $71,707,667 | 1,269 |
| Average total loans | $662,442,667 | 938 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3307% | 2,293 |
| Cost of funding earning assets | 0.2007% | 2,793 |
| Net interest margin | 3.1300% | 2,084 |
| Noninterest income to average assets | 0.6044% | 1,675 |
| Noninterest expense to average assets | 1.6678% | 4,186 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.9358% | 247 |
| Return on assets (ROA) | 1.9369% | 251 |
| Pretax return on assets | 1.9369% | 411 |
| Return on Equity (ROE) | 25.7517% | 89 |
| Retained earnings to average equity (ytd only) | 11.9306% | 616 |
| Net charge-offs to loans | 0.0037% | 1,641 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 869.0000% | 106 |
| Efficiency ratio | 46.2807% | 4,482 |
| Assets per employee ($millions) | 9.3988% | 793 |
| Cash dividends to net income (ytd only)* | 53.6707% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 2,147 |
| Loan loss allowance to noncurrent loans | 238.7683% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.3440% | 1,733 |
| Noncurrent loans to loans | 0.5622% | 1,634 |
| Net loans and leases to total assets | 60.3690% | 2,025 |
| Net loans and leases to deposits | 67.7792% | 2,181 |
| Net loans and leases to core deposits | 67.8781% | 2,466 |
| Total domestic deposits to total assets | 89.0670% | 2,051 |
| Equity capital to assets | 6.6220% | 4,378 |
| Core capital (leverage) ratio | 8.2135% | 4,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9362% | 2,628 |
| Memoranda: | ||
| Average total assets | $1,077,368,000 | 919 |
| Average earning assets | $1,032,332,500 | 902 |
| Average equity | $81,035,500 | 1,183 |
| Average total loans | $653,283,500 | 941 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4266% | 2,859 |
| Cost of funding earning assets | 0.2366% | 3,072 |
| Net interest margin | 3.1900% | 2,627 |
| Noninterest income to average assets | 0.7469% | 1,607 |
| Noninterest expense to average assets | 1.7898% | 4,165 |
| Loan and lease loss provision to assets | 0.0488% | 2,080 |
| Net operating income to assets | 1.9628% | 365 |
| Return on assets (ROA) | 1.9628% | 385 |
| Pretax return on assets | 1.9628% | 649 |
| Return on Equity (ROE) | 22.0420% | 217 |
| Retained earnings to average equity (ytd only) | 10.8607% | 732 |
| Net charge-offs to loans | 0.0064% | 2,335 |
| Credit loss provision to net charge-offs | 1,200.0000% | 463 |
| Earnings coverage of net charge-offs (x) | 494.9750% | 279 |
| Efficiency ratio | 47.0827% | 4,452 |
| Assets per employee ($millions) | 9.9383% | 678 |
| Cash dividends to net income (ytd only)* | 50.7273% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3530% | 2,118 |
| Loan loss allowance to noncurrent loans | 269.3272% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.3019% | 2,025 |
| Noncurrent loans to loans | 0.5024% | 1,867 |
| Net loans and leases to total assets | 59.2767% | 2,231 |
| Net loans and leases to deposits | 68.3163% | 2,283 |
| Net loans and leases to core deposits | 68.4175% | 2,611 |
| Total domestic deposits to total assets | 86.7679% | 2,589 |
| Equity capital to assets | 8.4114% | 4,108 |
| Core capital (leverage) ratio | 8.0959% | 4,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8826% | 2,670 |
| Memoranda: | ||
| Average total assets | $984,235,200 | 971 |
| Average earning assets | $942,442,400 | 953 |
| Average equity | $87,646,400 | 1,122 |
| Average total loans | $620,806,600 | 972 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4620% | 2,938 |
| Cost of funding earning assets | 0.2380% | 3,233 |
| Net interest margin | 3.2240% | 2,655 |
| Noninterest income to average assets | 0.7323% | 1,721 |
| Noninterest expense to average assets | 1.7491% | 4,256 |
| Loan and lease loss provision to assets | 0.0500% | 1,996 |
| Net operating income to assets | 2.0187% | 442 |
| Return on assets (ROA) | 2.0187% | 467 |
| Pretax return on assets | 2.0187% | 772 |
| Return on Equity (ROE) | 22.3199% | 286 |
| Retained earnings to average equity (ytd only) | 10.3357% | 1,219 |
| Net charge-offs to loans | -0.0020% | 3,214 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8142% | 4,514 |
| Assets per employee ($millions) | 9.4231% | 789 |
| Cash dividends to net income (ytd only)* | 53.6931% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3792% | 2,110 |
| Loan loss allowance to noncurrent loans | 242.6667% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.3570% | 2,005 |
| Noncurrent loans to loans | 0.5683% | 1,886 |
| Net loans and leases to total assets | 61.9563% | 2,008 |
| Net loans and leases to deposits | 71.6801% | 2,081 |
| Net loans and leases to core deposits | 71.8537% | 2,435 |
| Total domestic deposits to total assets | 86.4345% | 2,589 |
| Equity capital to assets | 8.9165% | 3,910 |
| Core capital (leverage) ratio | 8.4397% | 4,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0112% | 2,703 |
| Memoranda: | ||
| Average total assets | $959,474,500 | 1,001 |
| Average earning assets | $918,254,500 | 983 |
| Average equity | $86,778,250 | 1,146 |
| Average total loans | $613,273,750 | 1,006 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4703% | 2,976 |
| Cost of funding earning assets | 0.2471% | 3,303 |
| Net interest margin | 3.2232% | 2,688 |
| Noninterest income to average assets | 0.7470% | 1,678 |
| Noninterest expense to average assets | 1.7693% | 4,245 |
| Loan and lease loss provision to assets | 0.0509% | 2,018 |
| Net operating income to assets | 2.0169% | 470 |
| Return on assets (ROA) | 2.0169% | 498 |
| Pretax return on assets | 2.0169% | 816 |
| Return on Equity (ROE) | 22.1889% | 305 |
| Retained earnings to average equity (ytd only) | 11.9249% | 933 |
| Net charge-offs to loans | -0.0076% | 3,565 |
| Credit loss provision to net charge-offs | -1,043.4783% | 3,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1096% | 4,509 |
| Assets per employee ($millions) | 9.0327% | 849 |
| Cash dividends to net income (ytd only)* | 46.2574% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3829% | 2,048 |
| Loan loss allowance to noncurrent loans | 263.2703% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.3360% | 2,251 |
| Noncurrent loans to loans | 0.5253% | 2,102 |
| Net loans and leases to total assets | 63.0857% | 2,052 |
| Net loans and leases to deposits | 73.4103% | 2,062 |
| Net loans and leases to core deposits | 73.5551% | 2,455 |
| Total domestic deposits to total assets | 85.9357% | 2,762 |
| Equity capital to assets | 9.0726% | 3,732 |
| Core capital (leverage) ratio | 8.5050% | 3,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2117% | 2,642 |
| Memoranda: | ||
| Average total assets | $943,207,667 | 1,012 |
| Average earning assets | $904,253,000 | 988 |
| Average equity | $85,736,667 | 1,154 |
| Average total loans | $606,556,333 | 1,023 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4665% | 3,020 |
| Cost of funding earning assets | 0.2643% | 3,337 |
| Net interest margin | 3.2022% | 2,688 |
| Noninterest income to average assets | 0.7698% | 1,667 |
| Noninterest expense to average assets | 1.7600% | 4,275 |
| Loan and lease loss provision to assets | 0.0518% | 2,065 |
| Net operating income to assets | 2.0366% | 545 |
| Return on assets (ROA) | 2.0366% | 587 |
| Pretax return on assets | 2.0366% | 892 |
| Return on Equity (ROE) | 22.3824% | 367 |
| Retained earnings to average equity (ytd only) | 14.3209% | 722 |
| Net charge-offs to loans | -0.0114% | 3,717 |
| Credit loss provision to net charge-offs | -705.8824% | 3,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7338% | 4,482 |
| Assets per employee ($millions) | 8.6229% | 941 |
| Cash dividends to net income (ytd only)* | 36.0169% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4257% | 1,854 |
| Loan loss allowance to noncurrent loans | 254.0024% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.3530% | 2,391 |
| Noncurrent loans to loans | 0.5613% | 2,170 |
| Net loans and leases to total assets | 61.9906% | 2,289 |
| Net loans and leases to deposits | 72.2402% | 2,289 |
| Net loans and leases to core deposits | 72.3884% | 2,665 |
| Total domestic deposits to total assets | 85.8118% | 2,807 |
| Equity capital to assets | 8.8393% | 3,847 |
| Core capital (leverage) ratio | 8.6437% | 3,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6679% | 2,417 |
| Memoranda: | ||
| Average total assets | $927,044,000 | 1,014 |
| Average earning assets | $891,273,000 | 991 |
| Average equity | $84,352,000 | 1,157 |
| Average total loans | $597,808,000 | 1,038 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0138% | 2,687 |
| Cost of funding earning assets | 0.4084% | 3,529 |
| Net interest margin | 3.6054% | 2,129 |
| Noninterest income to average assets | 1.0487% | 964 |
| Noninterest expense to average assets | 2.0779% | 3,980 |
| Loan and lease loss provision to assets | 0.1322% | 2,711 |
| Net operating income to assets | 2.3238% | 167 |
| Return on assets (ROA) | 2.3238% | 178 |
| Pretax return on assets | 2.3238% | 247 |
| Return on Equity (ROE) | 23.3046% | 135 |
| Retained earnings to average equity (ytd only) | 5.3770% | 2,105 |
| Net charge-offs to loans | 0.0264% | 2,508 |
| Credit loss provision to net charge-offs | 701.2987% | 991 |
| Earnings coverage of net charge-offs (x) | 130.2532% | 647 |
| Efficiency ratio | 45.8289% | 4,723 |
| Assets per employee ($millions) | 8.0854% | 1,011 |
| Cash dividends to net income (ytd only)* | 76.9271% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 1,984 |
| Loan loss allowance to noncurrent loans | 247.5444% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.3732% | 2,490 |
| Noncurrent loans to loans | 0.5642% | 2,290 |
| Net loans and leases to total assets | 65.2355% | 2,198 |
| Net loans and leases to deposits | 76.6589% | 2,212 |
| Net loans and leases to core deposits | 76.9253% | 2,641 |
| Total domestic deposits to total assets | 85.0983% | 2,722 |
| Equity capital to assets | 9.3711% | 3,722 |
| Core capital (leverage) ratio | 8.5476% | 4,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0967% | 2,201 |
| Memoranda: | ||
| Average total assets | $816,707,400 | 1,038 |
| Average earning assets | $789,485,800 | 1,002 |
| Average equity | $81,439,000 | 1,141 |
| Average total loans | $582,648,200 | 1,003 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1627% | 2,490 |
| Cost of funding earning assets | 0.4398% | 3,585 |
| Net interest margin | 3.7229% | 1,867 |
| Noninterest income to average assets | 1.1071% | 848 |
| Noninterest expense to average assets | 2.0615% | 4,023 |
| Loan and lease loss provision to assets | 0.0604% | 3,586 |
| Net operating income to assets | 2.5804% | 132 |
| Return on assets (ROA) | 2.5804% | 138 |
| Pretax return on assets | 2.5804% | 187 |
| Return on Equity (ROE) | 25.4405% | 107 |
| Retained earnings to average equity (ytd only) | 9.8877% | 791 |
| Net charge-offs to loans | 0.0166% | 2,537 |
| Credit loss provision to net charge-offs | 500.0000% | 1,276 |
| Earnings coverage of net charge-offs (x) | 218.5556% | 468 |
| Efficiency ratio | 43.8401% | 4,795 |
| Assets per employee ($millions) | 7.5822% | 1,168 |
| Cash dividends to net income (ytd only)* | 61.1342% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 2,143 |
| Loan loss allowance to noncurrent loans | 249.7254% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.3581% | 2,714 |
| Noncurrent loans to loans | 0.5215% | 2,490 |
| Net loans and leases to total assets | 67.7696% | 2,277 |
| Net loans and leases to deposits | 80.3910% | 2,278 |
| Net loans and leases to core deposits | 80.7816% | 2,774 |
| Total domestic deposits to total assets | 84.3000% | 2,714 |
| Equity capital to assets | 9.9801% | 3,244 |
| Core capital (leverage) ratio | 9.2300% | 3,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3505% | 2,050 |
| Memoranda: | ||
| Average total assets | $794,491,750 | 1,049 |
| Average earning assets | $767,238,750 | 1,011 |
| Average equity | $80,583,250 | 1,143 |
| Average total loans | $578,530,250 | 1,004 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2422% | 2,627 |
| Cost of funding earning assets | 0.4883% | 3,603 |
| Net interest margin | 3.7538% | 1,977 |
| Noninterest income to average assets | 1.2033% | 690 |
| Noninterest expense to average assets | 2.1149% | 3,997 |
| Loan and lease loss provision to assets | 0.0622% | 3,517 |
| Net operating income to assets | 2.6483% | 114 |
| Return on assets (ROA) | 2.6483% | 120 |
| Pretax return on assets | 2.6483% | 168 |
| Return on Equity (ROE) | 25.9552% | 97 |
| Retained earnings to average equity (ytd only) | 13.5012% | 311 |
| Net charge-offs to loans | 0.0119% | 2,536 |
| Credit loss provision to net charge-offs | 705.8824% | 1,000 |
| Earnings coverage of net charge-offs (x) | 307.4118% | 316 |
| Efficiency ratio | 43.8276% | 4,816 |
| Assets per employee ($millions) | 7.5981% | 1,128 |
| Cash dividends to net income (ytd only)* | 47.9828% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3168% | 1,922 |
| Loan loss allowance to noncurrent loans | 196.6315% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.4530% | 2,507 |
| Noncurrent loans to loans | 0.6697% | 2,191 |
| Net loans and leases to total assets | 66.7484% | 2,531 |
| Net loans and leases to deposits | 79.9164% | 2,434 |
| Net loans and leases to core deposits | 80.4543% | 2,910 |
| Total domestic deposits to total assets | 83.5227% | 2,919 |
| Equity capital to assets | 9.7731% | 3,400 |
| Core capital (leverage) ratio | 9.6247% | 3,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4874% | 2,006 |
| Memoranda: | ||
| Average total assets | $771,199,000 | 1,057 |
| Average earning assets | $744,148,333 | 1,019 |
| Average equity | $78,689,333 | 1,158 |
| Average total loans | $573,537,333 | 999 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5353% | 2,211 |
| Cost of funding earning assets | 0.5959% | 3,458 |
| Net interest margin | 3.9395% | 1,555 |
| Noninterest income to average assets | 1.4114% | 446 |
| Noninterest expense to average assets | 2.2642% | 3,849 |
| Loan and lease loss provision to assets | 0.0660% | 2,941 |
| Net operating income to assets | 2.8800% | 75 |
| Return on assets (ROA) | 2.8800% | 79 |
| Pretax return on assets | 2.8800% | 106 |
| Return on Equity (ROE) | 27.5400% | 43 |
| Retained earnings to average equity (ytd only) | 14.9214% | 200 |
| Net charge-offs to loans | 0.0365% | 1,690 |
| Credit loss provision to net charge-offs | 230.7692% | 1,335 |
| Earnings coverage of net charge-offs (x) | 103.0385% | 566 |
| Efficiency ratio | 43.4572% | 4,897 |
| Assets per employee ($millions) | 6.6135% | 1,286 |
| Cash dividends to net income (ytd only)* | 45.8190% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 2,124 |
| Loan loss allowance to noncurrent loans | 177.5177% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.5711% | 2,287 |
| Noncurrent loans to loans | 0.7351% | 2,162 |
| Net loans and leases to total assets | 76.6751% | 1,189 |
| Net loans and leases to deposits | 92.0225% | 1,279 |
| Net loans and leases to core deposits | 92.6957% | 2,097 |
| Total domestic deposits to total assets | 83.3222% | 3,006 |
| Equity capital to assets | 10.4105% | 3,403 |
| Core capital (leverage) ratio | 10.5795% | 2,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6306% | 2,026 |
| Memoranda: | ||
| Average total assets | $727,504,000 | 1,078 |
| Average earning assets | $701,511,500 | 1,032 |
| Average equity | $76,078,500 | 1,185 |
| Average total loans | $569,935,500 | 981 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6262% | 2,531 |
| Cost of funding earning assets | 0.7407% | 2,970 |
| Net interest margin | 3.8854% | 2,227 |
| Noninterest income to average assets | 0.8241% | 1,373 |
| Noninterest expense to average assets | 2.2585% | 4,048 |
| Loan and lease loss provision to assets | 0.1386% | 1,539 |
| Net operating income to assets | 2.1699% | 233 |
| Return on assets (ROA) | 2.1536% | 259 |
| Pretax return on assets | 2.1536% | 423 |
| Return on Equity (ROE) | 21.0909% | 160 |
| Retained earnings to average equity (ytd only) | 6.1960% | 1,770 |
| Net charge-offs to loans | 0.0375% | 2,639 |
| Credit loss provision to net charge-offs | 468.7500% | 618 |
| Earnings coverage of net charge-offs (x) | 78.0817% | 807 |
| Efficiency ratio | 49.4522% | 4,762 |
| Assets per employee ($millions) | 6.3777% | 1,367 |
| Cash dividends to net income (ytd only)* | 70.6224% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3183% | 1,843 |
| Loan loss allowance to noncurrent loans | 225.4848% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.4620% | 2,558 |
| Noncurrent loans to loans | 0.5847% | 2,432 |
| Net loans and leases to total assets | 77.9760% | 1,084 |
| Net loans and leases to deposits | 93.5532% | 1,199 |
| Net loans and leases to core deposits | 94.2179% | 2,040 |
| Total domestic deposits to total assets | 83.3493% | 3,085 |
| Equity capital to assets | 10.5062% | 3,439 |
| Core capital (leverage) ratio | 10.1563% | 3,346 |
| Tier 1 risk-based capital ratio | 13.5348% | 3,504 |
| Total risk-based capital ratio | 14.7862% | 3,402 |
| Memoranda: | ||
| Average total assets | $703,531,600 | 1,064 |
| Average earning assets | $677,710,400 | 1,028 |
| Average equity | $71,836,800 | 1,199 |
| Average total loans | $554,329,800 | 974 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6391% | 2,600 |
| Cost of funding earning assets | 0.7665% | 2,886 |
| Net interest margin | 3.8726% | 2,356 |
| Noninterest income to average assets | 0.8030% | 1,412 |
| Noninterest expense to average assets | 2.2911% | 3,976 |
| Loan and lease loss provision to assets | 0.1391% | 1,389 |
| Net operating income to assets | 2.1020% | 318 |
| Return on assets (ROA) | 2.1020% | 328 |
| Pretax return on assets | 2.1020% | 546 |
| Return on Equity (ROE) | 20.7387% | 214 |
| Retained earnings to average equity (ytd only) | 6.6614% | 2,030 |
| Net charge-offs to loans | 0.0227% | 2,648 |
| Credit loss provision to net charge-offs | 777.6596% | 444 |
| Earnings coverage of net charge-offs (x) | 125.3193% | 629 |
| Efficiency ratio | 50.5520% | 4,707 |
| Assets per employee ($millions) | 6.1659% | 1,481 |
| Cash dividends to net income (ytd only)* | 67.8795% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3252% | 1,863 |
| Loan loss allowance to noncurrent loans | 216.7507% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.4799% | 2,601 |
| Noncurrent loans to loans | 0.6114% | 2,451 |
| Net loans and leases to total assets | 77.4434% | 1,233 |
| Net loans and leases to deposits | 92.7522% | 1,346 |
| Net loans and leases to core deposits | 93.4184% | 2,231 |
| Total domestic deposits to total assets | 83.4949% | 2,997 |
| Equity capital to assets | 10.6061% | 3,461 |
| Core capital (leverage) ratio | 10.3581% | 3,243 |
| Tier 1 risk-based capital ratio | 13.7256% | 3,468 |
| Total risk-based capital ratio | 14.9772% | 3,370 |
| Memoranda: | ||
| Average total assets | $700,839,250 | 1,070 |
| Average earning assets | $674,887,000 | 1,034 |
| Average equity | $71,034,500 | 1,204 |
| Average total loans | $551,806,250 | 977 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6248% | 2,597 |
| Cost of funding earning assets | 0.7653% | 2,825 |
| Net interest margin | 3.8595% | 2,371 |
| Noninterest income to average assets | 0.7818% | 1,405 |
| Noninterest expense to average assets | 2.2572% | 4,109 |
| Loan and lease loss provision to assets | 0.1391% | 1,335 |
| Net operating income to assets | 2.1024% | 323 |
| Return on assets (ROA) | 2.1024% | 335 |
| Pretax return on assets | 2.1024% | 549 |
| Return on Equity (ROE) | 21.0701% | 201 |
| Retained earnings to average equity (ytd only) | 9.0464% | 1,022 |
| Net charge-offs to loans | 0.0221% | 2,405 |
| Credit loss provision to net charge-offs | 798.3607% | 429 |
| Earnings coverage of net charge-offs (x) | 128.6393% | 571 |
| Efficiency ratio | 50.1746% | 4,773 |
| Assets per employee ($millions) | 5.9281% | 1,596 |
| Cash dividends to net income (ytd only)* | 57.0652% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 2,091 |
| Loan loss allowance to noncurrent loans | 228.2958% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.4484% | 2,726 |
| Noncurrent loans to loans | 0.5610% | 2,585 |
| Net loans and leases to total assets | 78.8988% | 1,057 |
| Net loans and leases to deposits | 94.2173% | 1,235 |
| Net loans and leases to core deposits | 94.8734% | 2,167 |
| Total domestic deposits to total assets | 83.7414% | 2,971 |
| Equity capital to assets | 10.5328% | 3,489 |
| Core capital (leverage) ratio | 10.2751% | 3,310 |
| Tier 1 risk-based capital ratio | 13.6756% | 3,495 |
| Total risk-based capital ratio | 14.9266% | 3,390 |
| Memoranda: | ||
| Average total assets | $700,147,000 | 1,076 |
| Average earning assets | $674,281,670 | 1,036 |
| Average equity | $69,862,000 | 1,213 |
| Average total loans | $551,850,670 | 977 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5542% | 2,679 |
| Cost of funding earning assets | 0.7340% | 2,864 |
| Net interest margin | 3.8202% | 2,446 |
| Noninterest income to average assets | 0.7273% | 1,520 |
| Noninterest expense to average assets | 2.2052% | 4,243 |
| Loan and lease loss provision to assets | 0.1387% | 1,244 |
| Net operating income to assets | 2.0562% | 352 |
| Return on assets (ROA) | 2.0562% | 366 |
| Pretax return on assets | 2.0562% | 577 |
| Return on Equity (ROE) | 21.1877% | 202 |
| Retained earnings to average equity (ytd only) | 10.0548% | 1,023 |
| Net charge-offs to loans | 0.0182% | 2,108 |
| Credit loss provision to net charge-offs | 976.0000% | 382 |
| Earnings coverage of net charge-offs (x) | 154.4000% | 495 |
| Efficiency ratio | 50.1163% | 4,817 |
| Assets per employee ($millions) | 5.9955% | 1,551 |
| Cash dividends to net income (ytd only)* | 52.5442% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2571% | 2,288 |
| Loan loss allowance to noncurrent loans | 182.7413% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.5424% | 2,470 |
| Noncurrent loans to loans | 0.6879% | 2,298 |
| Net loans and leases to total assets | 77.8524% | 1,184 |
| Net loans and leases to deposits | 94.3399% | 1,131 |
| Net loans and leases to core deposits | 95.1309% | 2,014 |
| Total domestic deposits to total assets | 82.5233% | 3,572 |
| Equity capital to assets | 10.0567% | 3,771 |
| Core capital (leverage) ratio | 10.1545% | 3,436 |
| Tier 1 risk-based capital ratio | 13.4591% | 3,625 |
| Total risk-based capital ratio | 14.7098% | 3,534 |
| Memoranda: | ||
| Average total assets | $703,429,000 | 1,075 |
| Average earning assets | $676,293,500 | 1,037 |
| Average equity | $68,266,000 | 1,228 |
| Average total loans | $550,611,500 | 984 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4286% | 2,665 |
| Cost of funding earning assets | 0.5996% | 2,723 |
| Net interest margin | 3.8290% | 2,565 |
| Noninterest income to average assets | 0.8315% | 1,363 |
| Noninterest expense to average assets | 2.3448% | 4,012 |
| Loan and lease loss provision to assets | 0.2171% | 833 |
| Net operating income to assets | 1.9521% | 392 |
| Return on assets (ROA) | 1.9375% | 404 |
| Pretax return on assets | 1.9375% | 652 |
| Return on Equity (ROE) | 20.5939% | 223 |
| Retained earnings to average equity (ytd only) | 6.4523% | 1,951 |
| Net charge-offs to loans | 0.1199% | 1,540 |
| Credit loss provision to net charge-offs | 231.6693% | 1,273 |
| Earnings coverage of net charge-offs (x) | 23.1466% | 1,865 |
| Efficiency ratio | 51.9449% | 4,804 |
| Assets per employee ($millions) | 6.1326% | 1,432 |
| Cash dividends to net income (ytd only)* | 68.6689% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 2,530 |
| Loan loss allowance to noncurrent loans | 153.2491% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.6122% | 2,208 |
| Noncurrent loans to loans | 0.7877% | 2,040 |
| Net loans and leases to total assets | 76.7817% | 1,469 |
| Net loans and leases to deposits | 92.6175% | 1,457 |
| Net loans and leases to core deposits | 93.3691% | 2,281 |
| Total domestic deposits to total assets | 82.9019% | 3,362 |
| Equity capital to assets | 9.3607% | 4,256 |
| Core capital (leverage) ratio | 9.7948% | 3,802 |
| Tier 1 risk-based capital ratio | 13.0375% | 3,830 |
| Total risk-based capital ratio | 14.2875% | 3,718 |
| Memoranda: | ||
| Average total assets | $683,973,600 | 1,076 |
| Average earning assets | $657,818,800 | 1,044 |
| Average equity | $64,349,000 | 1,244 |
| Average total loans | $534,649,600 | 974 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3837% | 2,674 |
| Cost of funding earning assets | 0.5633% | 2,755 |
| Net interest margin | 3.8204% | 2,567 |
| Noninterest income to average assets | 0.8296% | 1,381 |
| Noninterest expense to average assets | 2.3918% | 3,871 |
| Loan and lease loss provision to assets | 0.1567% | 1,245 |
| Net operating income to assets | 1.9549% | 429 |
| Return on assets (ROA) | 1.9452% | 437 |
| Pretax return on assets | 1.9452% | 736 |
| Return on Equity (ROE) | 20.6489% | 235 |
| Retained earnings to average equity (ytd only) | 8.1078% | 1,599 |
| Net charge-offs to loans | 0.1127% | 1,371 |
| Credit loss provision to net charge-offs | 177.6786% | 1,515 |
| Earnings coverage of net charge-offs (x) | 23.9374% | 1,831 |
| Efficiency ratio | 53.1109% | 4,698 |
| Assets per employee ($millions) | 5.6676% | 1,758 |
| Cash dividends to net income (ytd only)* | 60.7349% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 2,949 |
| Loan loss allowance to noncurrent loans | 131.6990% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.6897% | 2,133 |
| Noncurrent loans to loans | 0.8670% | 1,970 |
| Net loans and leases to total assets | 78.6435% | 1,227 |
| Net loans and leases to deposits | 96.0916% | 1,147 |
| Net loans and leases to core deposits | 97.0928% | 2,012 |
| Total domestic deposits to total assets | 81.8422% | 3,660 |
| Equity capital to assets | 9.5627% | 4,022 |
| Core capital (leverage) ratio | 10.0157% | 3,618 |
| Tier 1 risk-based capital ratio | 13.1306% | 3,830 |
| Total risk-based capital ratio | 14.3123% | 3,781 |
| Memoranda: | ||
| Average total assets | $677,122,250 | 1,082 |
| Average earning assets | $651,151,500 | 1,050 |
| Average equity | $63,788,750 | 1,250 |
| Average total loans | $530,091,250 | 983 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3114% | 2,720 |
| Cost of funding earning assets | 0.5183% | 2,863 |
| Net interest margin | 3.7932% | 2,584 |
| Noninterest income to average assets | 0.8155% | 1,430 |
| Noninterest expense to average assets | 2.4120% | 3,866 |
| Loan and lease loss provision to assets | 0.1444% | 1,333 |
| Net operating income to assets | 1.9070% | 462 |
| Return on assets (ROA) | 1.9070% | 457 |
| Pretax return on assets | 1.9070% | 757 |
| Return on Equity (ROE) | 20.3463% | 241 |
| Retained earnings to average equity (ytd only) | 7.4070% | 1,885 |
| Net charge-offs to loans | 0.1170% | 1,228 |
| Credit loss provision to net charge-offs | 158.4416% | 1,522 |
| Earnings coverage of net charge-offs (x) | 22.5162% | 1,743 |
| Efficiency ratio | 54.0394% | 4,689 |
| Assets per employee ($millions) | 5.6687% | 1,745 |
| Cash dividends to net income (ytd only)* | 63.5955% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1228% | 3,137 |
| Loan loss allowance to noncurrent loans | 167.4095% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.5191% | 2,680 |
| Noncurrent loans to loans | 0.6707% | 2,429 |
| Net loans and leases to total assets | 76.5310% | 1,558 |
| Net loans and leases to deposits | 94.6560% | 1,286 |
| Net loans and leases to core deposits | 96.0523% | 2,053 |
| Total domestic deposits to total assets | 80.8517% | 4,041 |
| Equity capital to assets | 9.2590% | 4,327 |
| Core capital (leverage) ratio | 9.8934% | 3,687 |
| Tier 1 risk-based capital ratio | 13.2525% | 3,760 |
| Total risk-based capital ratio | 14.4393% | 3,709 |
| Memoranda: | ||
| Average total assets | $676,126,330 | 1,086 |
| Average earning assets | $650,223,330 | 1,052 |
| Average equity | $63,372,670 | 1,262 |
| Average total loans | $526,441,670 | 991 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3016% | 2,506 |
| Cost of funding earning assets | 0.4871% | 2,888 |
| Net interest margin | 3.8145% | 2,362 |
| Noninterest income to average assets | 0.7678% | 1,551 |
| Noninterest expense to average assets | 2.4770% | 3,724 |
| Loan and lease loss provision to assets | 0.1460% | 1,272 |
| Net operating income to assets | 1.8097% | 552 |
| Return on assets (ROA) | 1.8097% | 558 |
| Pretax return on assets | 1.8097% | 894 |
| Return on Equity (ROE) | 19.1871% | 305 |
| Retained earnings to average equity (ytd only) | 6.4972% | 2,503 |
| Net charge-offs to loans | 0.0375% | 1,770 |
| Credit loss provision to net charge-offs | 497.9592% | 607 |
| Earnings coverage of net charge-offs (x) | 66.6939% | 793 |
| Efficiency ratio | 55.8796% | 4,598 |
| Assets per employee ($millions) | 5.3962% | 2,040 |
| Cash dividends to net income (ytd only)* | 66.1376% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1490% | 3,096 |
| Loan loss allowance to noncurrent loans | 229.3491% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.3926% | 3,268 |
| Noncurrent loans to loans | 0.5010% | 3,011 |
| Net loans and leases to total assets | 77.4662% | 1,317 |
| Net loans and leases to deposits | 96.9293% | 942 |
| Net loans and leases to core deposits | 99.2911% | 1,740 |
| Total domestic deposits to total assets | 79.9203% | 4,431 |
| Equity capital to assets | 9.4218% | 4,158 |
| Core capital (leverage) ratio | 9.7600% | 3,797 |
| Tier 1 risk-based capital ratio | 12.6707% | 4,130 |
| Total risk-based capital ratio | 13.8310% | 4,098 |
| Memoranda: | ||
| Average total assets | $668,401,500 | 1,111 |
| Average earning assets | $642,174,000 | 1,073 |
| Average equity | $63,042,500 | 1,273 |
| Average total loans | $522,022,500 | 1,005 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1322% | 2,943 |
| Cost of funding earning assets | 0.3471% | 3,741 |
| Net interest margin | 3.7851% | 2,478 |
| Noninterest income to average assets | 0.8562% | 1,390 |
| Noninterest expense to average assets | 2.4682% | 3,886 |
| Loan and lease loss provision to assets | 0.1689% | 1,301 |
| Net operating income to assets | 1.8498% | 373 |
| Return on assets (ROA) | 1.8503% | 380 |
| Pretax return on assets | 1.8503% | 692 |
| Return on Equity (ROE) | 19.7069% | 205 |
| Retained earnings to average equity (ytd only) | 6.3562% | 1,353 |
| Net charge-offs to loans | 0.2332% | 1,110 |
| Credit loss provision to net charge-offs | 96.6754% | 2,669 |
| Earnings coverage of net charge-offs (x) | 11.5538% | 2,561 |
| Efficiency ratio | 55.0082% | 4,860 |
| Assets per employee ($millions) | 5.3845% | 2,071 |
| Cash dividends to net income (ytd only)* | 67.7462% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 3,233 |
| Loan loss allowance to noncurrent loans | 173.0998% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.5133% | 2,846 |
| Noncurrent loans to loans | 0.6481% | 2,599 |
| Net loans and leases to total assets | 76.9599% | 1,440 |
| Net loans and leases to deposits | 96.3832% | 1,053 |
| Net loans and leases to core deposits | 98.7928% | 1,805 |
| Total domestic deposits to total assets | 79.8478% | 4,364 |
| Equity capital to assets | 9.4419% | 4,280 |
| Core capital (leverage) ratio | 9.8435% | 3,644 |
| Tier 1 risk-based capital ratio | 12.5290% | 4,191 |
| Total risk-based capital ratio | 13.6569% | 4,168 |
| Memoranda: | ||
| Average total assets | $654,166,000 | 1,113 |
| Average earning assets | $627,489,800 | 1,075 |
| Average equity | $61,420,200 | 1,287 |
| Average total loans | $490,100,200 | 1,049 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1107% | 2,952 |
| Cost of funding earning assets | 0.3371% | 3,797 |
| Net interest margin | 3.7736% | 2,491 |
| Noninterest income to average assets | 0.8287% | 1,480 |
| Noninterest expense to average assets | 2.4661% | 3,837 |
| Loan and lease loss provision to assets | 0.1498% | 1,398 |
| Net operating income to assets | 1.8293% | 443 |
| Return on assets (ROA) | 1.8312% | 450 |
| Pretax return on assets | 1.8312% | 820 |
| Return on Equity (ROE) | 19.5313% | 244 |
| Retained earnings to average equity (ytd only) | 6.4201% | 1,999 |
| Net charge-offs to loans | 0.1563% | 1,303 |
| Credit loss provision to net charge-offs | 129.1519% | 1,900 |
| Earnings coverage of net charge-offs (x) | 17.0671% | 2,126 |
| Efficiency ratio | 55.4777% | 4,794 |
| Assets per employee ($millions) | 5.1395% | 2,288 |
| Cash dividends to net income (ytd only)* | 67.1291% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2189% | 2,815 |
| Loan loss allowance to noncurrent loans | 264.3734% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.3626% | 3,580 |
| Noncurrent loans to loans | 0.4611% | 3,320 |
| Net loans and leases to total assets | 75.4975% | 1,683 |
| Net loans and leases to deposits | 93.8935% | 1,313 |
| Net loans and leases to core deposits | 96.8839% | 1,990 |
| Total domestic deposits to total assets | 80.4076% | 4,230 |
| Equity capital to assets | 9.7274% | 4,222 |
| Core capital (leverage) ratio | 9.8445% | 3,761 |
| Tier 1 risk-based capital ratio | 12.9845% | 4,017 |
| Total risk-based capital ratio | 14.2125% | 3,944 |
| Memoranda: | ||
| Average total assets | $650,788,750 | 1,125 |
| Average earning assets | $623,688,000 | 1,088 |
| Average equity | $61,015,000 | 1,303 |
| Average total loans | $482,707,250 | 1,067 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0542% | 2,997 |
| Cost of funding earning assets | 0.3198% | 3,879 |
| Net interest margin | 3.7344% | 2,533 |
| Noninterest income to average assets | 0.7812% | 1,640 |
| Noninterest expense to average assets | 2.4168% | 4,002 |
| Loan and lease loss provision to assets | 0.1497% | 1,355 |
| Net operating income to assets | 1.7936% | 457 |
| Return on assets (ROA) | 1.7964% | 467 |
| Pretax return on assets | 1.7964% | 848 |
| Return on Equity (ROE) | 19.4017% | 244 |
| Retained earnings to average equity (ytd only) | 6.1469% | 2,037 |
| Net charge-offs to loans | 0.2202% | 923 |
| Credit loss provision to net charge-offs | 92.5996% | 2,115 |
| Earnings coverage of net charge-offs (x) | 12.0190% | 2,229 |
| Efficiency ratio | 55.4289% | 4,883 |
| Assets per employee ($millions) | 5.0480% | 2,338 |
| Cash dividends to net income (ytd only)* | 68.3177% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1989% | 3,024 |
| Loan loss allowance to noncurrent loans | 277.8360% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.3528% | 3,709 |
| Noncurrent loans to loans | 0.4315% | 3,467 |
| Net loans and leases to total assets | 73.1975% | 2,007 |
| Net loans and leases to deposits | 90.5057% | 1,662 |
| Net loans and leases to core deposits | 93.8037% | 2,171 |
| Total domestic deposits to total assets | 80.8761% | 4,212 |
| Equity capital to assets | 9.4391% | 4,471 |
| Core capital (leverage) ratio | 9.6807% | 3,917 |
| Tier 1 risk-based capital ratio | 12.7939% | 4,125 |
| Total risk-based capital ratio | 13.9832% | 4,071 |
| Memoranda: | ||
| Average total assets | $651,857,670 | 1,121 |
| Average earning assets | $624,730,330 | 1,085 |
| Average equity | $60,355,670 | 1,316 |
| Average total loans | $478,629,330 | 1,079 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0096% | 3,002 |
| Cost of funding earning assets | 0.3103% | 3,937 |
| Net interest margin | 3.6993% | 2,484 |
| Noninterest income to average assets | 0.6988% | 1,976 |
| Noninterest expense to average assets | 2.3686% | 4,202 |
| Loan and lease loss provision to assets | 0.1502% | 1,230 |
| Net operating income to assets | 1.7332% | 518 |
| Return on assets (ROA) | 1.7332% | 524 |
| Pretax return on assets | 1.7332% | 931 |
| Return on Equity (ROE) | 18.9047% | 289 |
| Retained earnings to average equity (ytd only) | 5.4733% | 2,619 |
| Net charge-offs to loans | 0.0986% | 1,383 |
| Credit loss provision to net charge-offs | 208.5470% | 992 |
| Earnings coverage of net charge-offs (x) | 26.1453% | 1,319 |
| Efficiency ratio | 55.7052% | 4,966 |
| Assets per employee ($millions) | 5.1472% | 2,248 |
| Cash dividends to net income (ytd only)* | 71.0480% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 2,798 |
| Loan loss allowance to noncurrent loans | 221.3811% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.4593% | 3,367 |
| Noncurrent loans to loans | 0.5665% | 3,109 |
| Net loans and leases to total assets | 74.5564% | 1,652 |
| Net loans and leases to deposits | 93.3799% | 1,178 |
| Net loans and leases to core deposits | 97.3400% | 1,719 |
| Total domestic deposits to total assets | 79.8421% | 4,652 |
| Equity capital to assets | 9.4833% | 4,295 |
| Core capital (leverage) ratio | 9.5886% | 4,016 |
| Tier 1 risk-based capital ratio | 12.9973% | 4,083 |
| Total risk-based capital ratio | 14.2473% | 3,982 |
| Memoranda: | ||
| Average total assets | $649,666,500 | 1,126 |
| Average earning assets | $624,005,000 | 1,083 |
| Average equity | $59,562,000 | 1,326 |
| Average total loans | $474,854,000 | 1,077 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0674% | 2,962 |
| Cost of funding earning assets | 0.2750% | 4,310 |
| Net interest margin | 3.7925% | 2,345 |
| Noninterest income to average assets | 0.8211% | 1,676 |
| Noninterest expense to average assets | 2.4582% | 4,133 |
| Loan and lease loss provision to assets | 0.1563% | 1,592 |
| Net operating income to assets | 1.8172% | 433 |
| Return on assets (ROA) | 1.8188% | 449 |
| Pretax return on assets | 1.8188% | 764 |
| Return on Equity (ROE) | 19.2245% | 256 |
| Retained earnings to average equity (ytd only) | 4.6884% | 2,554 |
| Net charge-offs to loans | 0.2219% | 1,246 |
| Credit loss provision to net charge-offs | 94.4767% | 2,714 |
| Earnings coverage of net charge-offs (x) | 11.9293% | 2,503 |
| Efficiency ratio | 55.4691% | 5,110 |
| Assets per employee ($millions) | 5.5060% | 1,864 |
| Cash dividends to net income (ytd only)* | 75.6126% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 2,856 |
| Loan loss allowance to noncurrent loans | 242.6799% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.3629% | 3,828 |
| Noncurrent loans to loans | 0.5126% | 3,310 |
| Net loans and leases to total assets | 69.9196% | 2,483 |
| Net loans and leases to deposits | 87.3655% | 2,006 |
| Net loans and leases to core deposits | 90.8621% | 2,419 |
| Total domestic deposits to total assets | 80.0311% | 4,569 |
| Equity capital to assets | 8.8685% | 4,944 |
| Core capital (leverage) ratio | 9.3068% | 4,342 |
| Tier 1 risk-based capital ratio | 13.2732% | 3,912 |
| Total risk-based capital ratio | 14.5236% | 3,828 |
| Memoranda: | ||
| Average total assets | $623,820,400 | 1,128 |
| Average earning assets | $593,913,600 | 1,098 |
| Average equity | $59,018,400 | 1,310 |
| Average total loans | $465,154,800 | 1,041 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1288% | 2,768 |
| Cost of funding earning assets | 0.2718% | 4,367 |
| Net interest margin | 3.8570% | 2,131 |
| Noninterest income to average assets | 0.8197% | 1,688 |
| Noninterest expense to average assets | 2.4615% | 4,102 |
| Loan and lease loss provision to assets | 0.1589% | 1,456 |
| Net operating income to assets | 1.8616% | 439 |
| Return on assets (ROA) | 1.8638% | 455 |
| Pretax return on assets | 1.8638% | 772 |
| Return on Equity (ROE) | 19.3706% | 272 |
| Retained earnings to average equity (ytd only) | 4.4946% | 3,139 |
| Net charge-offs to loans | 0.2304% | 1,021 |
| Credit loss provision to net charge-offs | 91.2609% | 2,510 |
| Earnings coverage of net charge-offs (x) | 11.6018% | 2,473 |
| Efficiency ratio | 54.9190% | 5,164 |
| Assets per employee ($millions) | 5.3134% | 2,034 |
| Cash dividends to net income (ytd only)* | 76.7965% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2451% | 2,990 |
| Loan loss allowance to noncurrent loans | 226.1491% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.4227% | 3,736 |
| Noncurrent loans to loans | 0.5506% | 3,347 |
| Net loans and leases to total assets | 73.4438% | 1,960 |
| Net loans and leases to deposits | 92.4499% | 1,437 |
| Net loans and leases to core deposits | 96.4954% | 1,941 |
| Total domestic deposits to total assets | 79.4417% | 4,629 |
| Equity capital to assets | 9.5698% | 4,589 |
| Core capital (leverage) ratio | 9.4485% | 4,252 |
| Tier 1 risk-based capital ratio | 13.3748% | 3,935 |
| Total risk-based capital ratio | 14.6257% | 3,847 |
| Memoranda: | ||
| Average total assets | $613,220,000 | 1,151 |
| Average earning assets | $582,275,250 | 1,119 |
| Average equity | $59,002,000 | 1,317 |
| Average total loans | $463,521,500 | 1,049 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1440% | 2,698 |
| Cost of funding earning assets | 0.2631% | 4,516 |
| Net interest margin | 3.8809% | 2,043 |
| Noninterest income to average assets | 0.8061% | 1,688 |
| Noninterest expense to average assets | 2.4276% | 4,241 |
| Loan and lease loss provision to assets | 0.1608% | 1,413 |
| Net operating income to assets | 1.9075% | 394 |
| Return on assets (ROA) | 1.9105% | 407 |
| Pretax return on assets | 1.9105% | 679 |
| Return on Equity (ROE) | 19.8190% | 251 |
| Retained earnings to average equity (ytd only) | 3.8052% | 3,463 |
| Net charge-offs to loans | 0.2532% | 940 |
| Credit loss provision to net charge-offs | 83.5616% | 2,327 |
| Earnings coverage of net charge-offs (x) | 10.7466% | 2,309 |
| Efficiency ratio | 53.9950% | 5,312 |
| Assets per employee ($millions) | 5.1850% | 2,097 |
| Cash dividends to net income (ytd only)* | 80.8004% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 3,037 |
| Loan loss allowance to noncurrent loans | 208.5510% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.4529% | 3,697 |
| Noncurrent loans to loans | 0.6024% | 3,259 |
| Net loans and leases to total assets | 73.6306% | 1,912 |
| Net loans and leases to deposits | 93.1518% | 1,382 |
| Net loans and leases to core deposits | 96.9640% | 1,895 |
| Total domestic deposits to total assets | 79.0437% | 4,775 |
| Equity capital to assets | 9.6507% | 4,615 |
| Core capital (leverage) ratio | 9.5518% | 4,132 |
| Tier 1 risk-based capital ratio | 13.5856% | 3,848 |
| Total risk-based capital ratio | 14.8369% | 3,769 |
| Memoranda: | ||
| Average total assets | $606,860,000 | 1,166 |
| Average earning assets | $576,975,000 | 1,134 |
| Average equity | $58,499,330 | 1,329 |
| Average total loans | $461,282,000 | 1,050 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1777% | 2,556 |
| Cost of funding earning assets | 0.2668% | 4,533 |
| Net interest margin | 3.9109% | 1,904 |
| Noninterest income to average assets | 0.7337% | 1,887 |
| Noninterest expense to average assets | 2.4600% | 4,198 |
| Loan and lease loss provision to assets | 0.1629% | 1,272 |
| Net operating income to assets | 1.8291% | 453 |
| Return on assets (ROA) | 1.8298% | 482 |
| Pretax return on assets | 1.8298% | 807 |
| Return on Equity (ROE) | 18.9932% | 296 |
| Retained earnings to average equity (ytd only) | -2.4183% | 5,425 |
| Net charge-offs to loans | 0.3879% | 573 |
| Credit loss provision to net charge-offs | 54.7085% | 2,014 |
| Earnings coverage of net charge-offs (x) | 6.6906% | 2,221 |
| Efficiency ratio | 55.2557% | 5,260 |
| Assets per employee ($millions) | 5.1577% | 2,182 |
| Cash dividends to net income (ytd only)* | 112.7326% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 3,216 |
| Loan loss allowance to noncurrent loans | 143.8663% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.6751% | 3,033 |
| Noncurrent loans to loans | 0.8666% | 2,677 |
| Net loans and leases to total assets | 75.1158% | 1,531 |
| Net loans and leases to deposits | 97.2742% | 819 |
| Net loans and leases to core deposits | 101.2642% | 1,389 |
| Total domestic deposits to total assets | 77.2207% | 5,262 |
| Equity capital to assets | 9.5751% | 4,591 |
| Core capital (leverage) ratio | 9.3875% | 4,366 |
| Tier 1 risk-based capital ratio | 13.3213% | 4,086 |
| Total risk-based capital ratio | 14.5724% | 4,008 |
| Memoranda: | ||
| Average total assets | $599,192,500 | 1,177 |
| Average earning assets | $569,690,000 | 1,141 |
| Average equity | $57,726,000 | 1,344 |
| Average total loans | $459,945,500 | 1,047 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3894% | 1,938 |
| Cost of funding earning assets | 0.2248% | 5,047 |
| Net interest margin | 4.1645% | 1,253 |
| Noninterest income to average assets | 0.8188% | 1,711 |
| Noninterest expense to average assets | 2.6662% | 3,707 |
| Loan and lease loss provision to assets | 0.1506% | 1,565 |
| Net operating income to assets | 1.9346% | 388 |
| Return on assets (ROA) | 1.9628% | 378 |
| Pretax return on assets | 1.9628% | 583 |
| Return on Equity (ROE) | 19.7175% | 263 |
| Retained earnings to average equity (ytd only) | 5.5992% | 2,016 |
| Net charge-offs to loans | 0.1224% | 2,148 |
| Credit loss provision to net charge-offs | 155.1095% | 1,720 |
| Earnings coverage of net charge-offs (x) | 21.4708% | 1,813 |
| Efficiency ratio | 56.1134% | 5,335 |
| Assets per employee ($millions) | 5.0849% | 2,266 |
| Cash dividends to net income (ytd only)* | 71.6027% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2856% | 2,991 |
| Loan loss allowance to noncurrent loans | 143.8456% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.7071% | 2,929 |
| Noncurrent loans to loans | 0.8937% | 2,557 |
| Net loans and leases to total assets | 76.4716% | 1,335 |
| Net loans and leases to deposits | 100.5188% | 643 |
| Net loans and leases to core deposits | 103.9389% | 1,224 |
| Total domestic deposits to total assets | 76.0770% | 5,436 |
| Equity capital to assets | 9.6937% | 4,311 |
| Core capital (leverage) ratio | 9.9857% | 3,530 |
| Tier 1 risk-based capital ratio | 13.1175% | 4,229 |
| Total risk-based capital ratio | 14.3686% | 4,153 |
| Memoranda: | ||
| Average total assets | $564,258,800 | 1,213 |
| Average earning assets | $532,831,600 | 1,180 |
| Average equity | $56,168,400 | 1,330 |
| Average total loans | $447,787,000 | 1,029 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4233% | 1,838 |
| Cost of funding earning assets | 0.2224% | 5,157 |
| Net interest margin | 4.2009% | 1,163 |
| Noninterest income to average assets | 0.7848% | 1,853 |
| Noninterest expense to average assets | 2.6053% | 3,859 |
| Loan and lease loss provision to assets | 0.1318% | 1,708 |
| Net operating income to assets | 2.0074% | 359 |
| Return on assets (ROA) | 2.0278% | 366 |
| Pretax return on assets | 2.0278% | 568 |
| Return on Equity (ROE) | 20.2291% | 260 |
| Retained earnings to average equity (ytd only) | 5.5538% | 2,549 |
| Net charge-offs to loans | 0.1131% | 1,994 |
| Credit loss provision to net charge-offs | 145.8886% | 1,718 |
| Earnings coverage of net charge-offs (x) | 23.6872% | 1,723 |
| Efficiency ratio | 54.9127% | 5,449 |
| Assets per employee ($millions) | 4.7323% | 2,650 |
| Cash dividends to net income (ytd only)* | 72.5458% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 3,211 |
| Loan loss allowance to noncurrent loans | 100.1382% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 1.0699% | 2,225 |
| Noncurrent loans to loans | 1.2777% | 2,002 |
| Net loans and leases to total assets | 79.4125% | 895 |
| Net loans and leases to deposits | 107.8382% | 310 |
| Net loans and leases to core deposits | 110.9557% | 823 |
| Total domestic deposits to total assets | 73.6405% | 5,742 |
| Equity capital to assets | 10.1354% | 4,015 |
| Core capital (leverage) ratio | 9.9714% | 3,673 |
| Tier 1 risk-based capital ratio | 12.8804% | 4,501 |
| Total risk-based capital ratio | 14.1313% | 4,421 |
| Memoranda: | ||
| Average total assets | $556,590,250 | 1,231 |
| Average earning assets | $524,636,500 | 1,207 |
| Average equity | $55,792,750 | 1,349 |
| Average total loans | $444,513,750 | 1,037 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3918% | 1,877 |
| Cost of funding earning assets | 0.2241% | 5,204 |
| Net interest margin | 4.1677% | 1,178 |
| Noninterest income to average assets | 0.8102% | 1,733 |
| Noninterest expense to average assets | 2.5750% | 3,988 |
| Loan and lease loss provision to assets | 0.1082% | 2,023 |
| Net operating income to assets | 2.0523% | 335 |
| Return on assets (ROA) | 2.0815% | 330 |
| Pretax return on assets | 2.0815% | 508 |
| Return on Equity (ROE) | 20.8436% | 236 |
| Retained earnings to average equity (ytd only) | 5.1043% | 2,792 |
| Net charge-offs to loans | 0.1866% | 1,338 |
| Credit loss provision to net charge-offs | 72.8155% | 2,423 |
| Earnings coverage of net charge-offs (x) | 14.5364% | 2,051 |
| Efficiency ratio | 54.3765% | 5,555 |
| Assets per employee ($millions) | 4.6576% | 2,736 |
| Cash dividends to net income (ytd only)* | 75.5113% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 3,635 |
| Loan loss allowance to noncurrent loans | 111.5136% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.9523% | 2,628 |
| Noncurrent loans to loans | 1.1004% | 2,454 |
| Net loans and leases to total assets | 78.7087% | 978 |
| Net loans and leases to deposits | 107.0567% | 334 |
| Net loans and leases to core deposits | 109.9442% | 839 |
| Total domestic deposits to total assets | 73.5206% | 5,832 |
| Equity capital to assets | 9.8997% | 4,159 |
| Core capital (leverage) ratio | 9.8910% | 3,750 |
| Tier 1 risk-based capital ratio | 12.8170% | 4,615 |
| Total risk-based capital ratio | 14.0672% | 4,532 |
| Memoranda: | ||
| Average total assets | $554,405,670 | 1,239 |
| Average earning assets | $522,156,330 | 1,220 |
| Average equity | $55,364,670 | 1,368 |
| Average total loans | $441,684,000 | 1,044 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3832% | 1,826 |
| Cost of funding earning assets | 0.2267% | 5,249 |
| Net interest margin | 4.1565% | 1,156 |
| Noninterest income to average assets | 0.7173% | 2,082 |
| Noninterest expense to average assets | 2.4401% | 4,475 |
| Loan and lease loss provision to assets | 0.1091% | 1,886 |
| Net operating income to assets | 2.0894% | 284 |
| Return on assets (ROA) | 2.1352% | 279 |
| Pretax return on assets | 2.1352% | 447 |
| Return on Equity (ROE) | 21.2870% | 215 |
| Retained earnings to average equity (ytd only) | 6.2229% | 2,366 |
| Net charge-offs to loans | 0.0548% | 2,222 |
| Credit loss provision to net charge-offs | 250.0000% | 913 |
| Earnings coverage of net charge-offs (x) | 50.3667% | 834 |
| Efficiency ratio | 52.6035% | 5,775 |
| Assets per employee ($millions) | 4.7457% | 2,693 |
| Cash dividends to net income (ytd only)* | 70.7666% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2983% | 3,410 |
| Loan loss allowance to noncurrent loans | 99.9126% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 1.0634% | 2,489 |
| Noncurrent loans to loans | 1.2995% | 2,210 |
| Net loans and leases to total assets | 78.8925% | 812 |
| Net loans and leases to deposits | 107.9554% | 258 |
| Net loans and leases to core deposits | 111.5283% | 679 |
| Total domestic deposits to total assets | 73.0788% | 5,973 |
| Equity capital to assets | 10.1154% | 3,995 |
| Core capital (leverage) ratio | 9.8434% | 3,832 |
| Tier 1 risk-based capital ratio | 12.9392% | 4,637 |
| Total risk-based capital ratio | 14.1327% | 4,586 |
| Memoranda: | ||
| Average total assets | $549,822,000 | 1,253 |
| Average earning assets | $518,710,500 | 1,229 |
| Average equity | $55,151,000 | 1,380 |
| Average total loans | $437,980,000 | 1,051 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4192% | 2,162 |
| Cost of funding earning assets | 0.2540% | 5,281 |
| Net interest margin | 4.1653% | 1,395 |
| Noninterest income to average assets | 0.8028% | 1,864 |
| Noninterest expense to average assets | 2.3206% | 5,057 |
| Loan and lease loss provision to assets | 0.2000% | 1,270 |
| Net operating income to assets | 2.1901% | 229 |
| Return on assets (ROA) | 2.1899% | 230 |
| Pretax return on assets | 2.1938% | 322 |
| Return on Equity (ROE) | 22.6250% | 160 |
| Retained earnings to average equity (ytd only) | 4.7984% | 2,762 |
| Net charge-offs to loans | 0.1772% | 2,256 |
| Credit loss provision to net charge-offs | 146.0296% | 1,644 |
| Earnings coverage of net charge-offs (x) | 17.4818% | 1,924 |
| Efficiency ratio | 49.2220% | 6,128 |
| Assets per employee ($millions) | 4.6935% | 2,735 |
| Cash dividends to net income (ytd only)* | 78.7914% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 3,484 |
| Loan loss allowance to noncurrent loans | 252.2656% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.4223% | 4,412 |
| Noncurrent loans to loans | 0.5113% | 4,134 |
| Net loans and leases to total assets | 78.3621% | 955 |
| Net loans and leases to deposits | 106.9321% | 324 |
| Net loans and leases to core deposits | 109.3449% | 809 |
| Total domestic deposits to total assets | 73.2821% | 5,995 |
| Equity capital to assets | 9.9458% | 4,183 |
| Core capital (leverage) ratio | 9.8420% | 3,780 |
| Tier 1 risk-based capital ratio | 12.8092% | 4,851 |
| Total risk-based capital ratio | 14.0601% | 4,763 |
| Memoranda: | ||
| Average total assets | $542,574,800 | 1,234 |
| Average earning assets | $509,547,000 | 1,205 |
| Average equity | $52,517,200 | 1,392 |
| Average total loans | $419,295,000 | 1,049 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4169% | 2,171 |
| Cost of funding earning assets | 0.2573% | 5,332 |
| Net interest margin | 4.1597% | 1,400 |
| Noninterest income to average assets | 0.8040% | 1,881 |
| Noninterest expense to average assets | 2.2681% | 5,184 |
| Loan and lease loss provision to assets | 0.1787% | 1,376 |
| Net operating income to assets | 2.2570% | 207 |
| Return on assets (ROA) | 2.2573% | 218 |
| Pretax return on assets | 2.2588% | 327 |
| Return on Equity (ROE) | 23.4848% | 141 |
| Retained earnings to average equity (ytd only) | 3.7876% | 3,959 |
| Net charge-offs to loans | 0.1413% | 2,386 |
| Credit loss provision to net charge-offs | 164.7727% | 1,486 |
| Earnings coverage of net charge-offs (x) | 22.4728% | 1,628 |
| Efficiency ratio | 48.2032% | 6,192 |
| Assets per employee ($millions) | 4.8281% | 2,482 |
| Cash dividends to net income (ytd only)* | 83.8721% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3139% | 3,579 |
| Loan loss allowance to noncurrent loans | 174.1552% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.6234% | 3,961 |
| Noncurrent loans to loans | 0.7544% | 3,716 |
| Net loans and leases to total assets | 77.3115% | 1,053 |
| Net loans and leases to deposits | 107.2537% | 283 |
| Net loans and leases to core deposits | 109.8447% | 750 |
| Total domestic deposits to total assets | 72.0828% | 6,165 |
| Equity capital to assets | 9.7989% | 4,422 |
| Core capital (leverage) ratio | 9.6789% | 4,115 |
| Tier 1 risk-based capital ratio | 12.6359% | 5,074 |
| Total risk-based capital ratio | 13.8870% | 4,991 |
| Memoranda: | ||
| Average total assets | $540,934,000 | 1,241 |
| Average earning assets | $507,336,250 | 1,222 |
| Average equity | $51,992,500 | 1,411 |
| Average total loans | $415,134,000 | 1,057 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3921% | 2,199 |
| Cost of funding earning assets | 0.2492% | 5,495 |
| Net interest margin | 4.1429% | 1,399 |
| Noninterest income to average assets | 0.7660% | 1,980 |
| Noninterest expense to average assets | 2.2558% | 5,265 |
| Loan and lease loss provision to assets | 0.0887% | 2,548 |
| Net operating income to assets | 2.3094% | 190 |
| Return on assets (ROA) | 2.3094% | 197 |
| Pretax return on assets | 2.3117% | 296 |
| Return on Equity (ROE) | 24.1846% | 131 |
| Retained earnings to average equity (ytd only) | 3.6159% | 3,889 |
| Net charge-offs to loans | 0.0868% | 2,825 |
| Credit loss provision to net charge-offs | 134.0782% | 1,578 |
| Earnings coverage of net charge-offs (x) | 36.2737% | 1,131 |
| Efficiency ratio | 48.4478% | 6,265 |
| Assets per employee ($millions) | 4.7581% | 2,535 |
| Cash dividends to net income (ytd only)* | 85.0488% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2929% | 3,888 |
| Loan loss allowance to noncurrent loans | 176.2455% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.5803% | 4,247 |
| Noncurrent loans to loans | 0.7336% | 3,863 |
| Net loans and leases to total assets | 75.8550% | 1,186 |
| Net loans and leases to deposits | 100.6958% | 521 |
| Net loans and leases to core deposits | 103.0992% | 1,074 |
| Total domestic deposits to total assets | 75.3309% | 5,989 |
| Equity capital to assets | 9.7918% | 4,370 |
| Core capital (leverage) ratio | 9.5638% | 4,233 |
| Tier 1 risk-based capital ratio | 12.7834% | 5,048 |
| Total risk-based capital ratio | 14.0343% | 4,986 |
| Memoranda: | ||
| Average total assets | $540,996,670 | 1,245 |
| Average earning assets | $508,000,330 | 1,207 |
| Average equity | $51,661,000 | 1,407 |
| Average total loans | $412,303,670 | 1,056 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3775% | 2,240 |
| Cost of funding earning assets | 0.2272% | 5,778 |
| Net interest margin | 4.1503% | 1,343 |
| Noninterest income to average assets | 0.7423% | 1,981 |
| Noninterest expense to average assets | 2.2703% | 5,272 |
| Loan and lease loss provision to assets | 0.0885% | 2,443 |
| Net operating income to assets | 2.2836% | 205 |
| Return on assets (ROA) | 2.2836% | 213 |
| Pretax return on assets | 2.2880% | 312 |
| Return on Equity (ROE) | 24.2183% | 140 |
| Retained earnings to average equity (ytd only) | -0.0156% | 5,556 |
| Net charge-offs to loans | 0.0495% | 2,687 |
| Credit loss provision to net charge-offs | 235.2941% | 937 |
| Earnings coverage of net charge-offs (x) | 63.2157% | 630 |
| Efficiency ratio | 48.8579% | 6,320 |
| Assets per employee ($millions) | 4.7609% | 2,578 |
| Cash dividends to net income (ytd only)* | 100.0646% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3110% | 4,069 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.4143% | 4,898 |
| Noncurrent loans to loans | 0.5244% | 4,601 |
| Net loans and leases to total assets | 74.8614% | 1,140 |
| Net loans and leases to deposits | 99.3034% | 475 |
| Net loans and leases to core deposits | 102.0939% | 982 |
| Total domestic deposits to total assets | 75.3865% | 6,128 |
| Equity capital to assets | 9.5343% | 4,455 |
| Core capital (leverage) ratio | 9.4491% | 4,351 |
| Tier 1 risk-based capital ratio | 12.7204% | 5,176 |
| Total risk-based capital ratio | 13.9715% | 5,113 |
| Memoranda: | ||
| Average total assets | $542,662,500 | 1,247 |
| Average earning assets | $510,517,000 | 1,209 |
| Average equity | $51,168,000 | 1,415 |
| Average total loans | $411,861,500 | 1,064 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6538% | 1,702 |
| Cost of funding earning assets | 0.4047% | 4,594 |
| Net interest margin | 4.2491% | 1,223 |
| Noninterest income to average assets | 0.9645% | 1,480 |
| Noninterest expense to average assets | 2.5423% | 4,639 |
| Loan and lease loss provision to assets | 0.0771% | 3,566 |
| Net operating income to assets | 2.2496% | 226 |
| Return on assets (ROA) | 2.2496% | 233 |
| Pretax return on assets | 2.2496% | 290 |
| Return on Equity (ROE) | 23.0177% | 179 |
| Retained earnings to average equity (ytd only) | 4.6650% | 2,838 |
| Net charge-offs to loans | 0.1808% | 3,016 |
| Credit loss provision to net charge-offs | 55.5556% | 3,681 |
| Earnings coverage of net charge-offs (x) | 16.7694% | 1,771 |
| Efficiency ratio | 52.2144% | 6,276 |
| Assets per employee ($millions) | 4.6781% | 2,618 |
| Cash dividends to net income (ytd only)* | 79.7327% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 4,291 |
| Loan loss allowance to noncurrent loans | 250.9981% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.4118% | 5,020 |
| Noncurrent loans to loans | 0.5062% | 4,729 |
| Net loans and leases to total assets | 74.9715% | 1,229 |
| Net loans and leases to deposits | 102.1155% | 391 |
| Net loans and leases to core deposits | 104.8821% | 864 |
| Total domestic deposits to total assets | 73.4184% | 6,323 |
| Equity capital to assets | 9.3256% | 4,659 |
| Core capital (leverage) ratio | 9.5371% | 4,207 |
| Tier 1 risk-based capital ratio | 12.5142% | 5,280 |
| Total risk-based capital ratio | 13.7419% | 5,247 |
| Memoranda: | ||
| Average total assets | $518,931,800 | 1,278 |
| Average earning assets | $476,858,400 | 1,279 |
| Average equity | $50,717,600 | 1,402 |
| Average total loans | $398,132,200 | 1,077 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7225% | 1,539 |
| Cost of funding earning assets | 0.4305% | 4,503 |
| Net interest margin | 4.2920% | 1,114 |
| Noninterest income to average assets | 1.0472% | 1,330 |
| Noninterest expense to average assets | 2.2830% | 5,396 |
| Loan and lease loss provision to assets | 0.0781% | 3,499 |
| Net operating income to assets | 2.6052% | 154 |
| Return on assets (ROA) | 2.6052% | 160 |
| Pretax return on assets | 2.6052% | 215 |
| Return on Equity (ROE) | 26.3336% | 99 |
| Retained earnings to average equity (ytd only) | 9.2158% | 997 |
| Net charge-offs to loans | 0.3044% | 2,014 |
| Credit loss provision to net charge-offs | 33.3704% | 3,832 |
| Earnings coverage of net charge-offs (x) | 11.4583% | 2,245 |
| Efficiency ratio | 45.9691% | 6,587 |
| Assets per employee ($millions) | 4.3117% | 3,205 |
| Cash dividends to net income (ytd only)* | 65.0035% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2642% | 4,572 |
| Loan loss allowance to noncurrent loans | 241.1765% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.4175% | 5,170 |
| Noncurrent loans to loans | 0.5242% | 4,886 |
| Net loans and leases to total assets | 75.5059% | 1,067 |
| Net loans and leases to deposits | 102.0644% | 377 |
| Net loans and leases to core deposits | 104.8283% | 830 |
| Total domestic deposits to total assets | 73.9787% | 6,371 |
| Equity capital to assets | 10.0363% | 3,857 |
| Core capital (leverage) ratio | 9.8881% | 3,834 |
| Tier 1 risk-based capital ratio | 12.7459% | 5,300 |
| Total risk-based capital ratio | 13.9967% | 5,238 |
| Memoranda: | ||
| Average total assets | $511,829,750 | 1,306 |
| Average earning assets | $467,368,250 | 1,313 |
| Average equity | $50,636,250 | 1,410 |
| Average total loans | $393,757,750 | 1,091 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7351% | 1,475 |
| Cost of funding earning assets | 0.4416% | 4,523 |
| Net interest margin | 4.2935% | 1,045 |
| Noninterest income to average assets | 1.0385% | 1,412 |
| Noninterest expense to average assets | 2.2605% | 5,476 |
| Loan and lease loss provision to assets | 0.1177% | 2,857 |
| Net operating income to assets | 2.5837% | 154 |
| Return on assets (ROA) | 2.5837% | 167 |
| Pretax return on assets | 2.5837% | 252 |
| Return on Equity (ROE) | 26.2440% | 109 |
| Retained earnings to average equity (ytd only) | 8.7122% | 1,221 |
| Net charge-offs to loans | 0.1709% | 2,753 |
| Credit loss provision to net charge-offs | 89.2857% | 2,461 |
| Earnings coverage of net charge-offs (x) | 20.5000% | 1,460 |
| Efficiency ratio | 45.5580% | 6,656 |
| Assets per employee ($millions) | 4.4279% | 2,930 |
| Cash dividends to net income (ytd only)* | 66.8033% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4231% | 3,932 |
| Loan loss allowance to noncurrent loans | 291.6667% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.3915% | 5,308 |
| Noncurrent loans to loans | 0.4879% | 5,041 |
| Net loans and leases to total assets | 75.0466% | 1,100 |
| Net loans and leases to deposits | 98.4447% | 521 |
| Net loans and leases to core deposits | 101.2043% | 990 |
| Total domestic deposits to total assets | 76.2323% | 6,226 |
| Equity capital to assets | 9.8364% | 4,140 |
| Core capital (leverage) ratio | 9.7707% | 3,833 |
| Tier 1 risk-based capital ratio | 12.7447% | 5,330 |
| Total risk-based capital ratio | 13.9646% | 5,281 |
| Memoranda: | ||
| Average total assets | $509,972,000 | 1,308 |
| Average earning assets | $466,008,000 | 1,310 |
| Average equity | $50,205,670 | 1,424 |
| Average total loans | $393,119,670 | 1,091 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8247% | 1,242 |
| Cost of funding earning assets | 0.4524% | 4,569 |
| Net interest margin | 4.3723% | 840 |
| Noninterest income to average assets | 1.0832% | 1,261 |
| Noninterest expense to average assets | 2.2459% | 5,575 |
| Loan and lease loss provision to assets | 0.1181% | 2,756 |
| Net operating income to assets | 2.7134% | 128 |
| Return on assets (ROA) | 2.7134% | 136 |
| Pretax return on assets | 2.7134% | 206 |
| Return on Equity (ROE) | 27.5504% | 97 |
| Retained earnings to average equity (ytd only) | 9.5831% | 1,222 |
| Net charge-offs to loans | 0.2293% | 2,071 |
| Credit loss provision to net charge-offs | 66.3717% | 2,342 |
| Earnings coverage of net charge-offs (x) | 15.9159% | 1,383 |
| Efficiency ratio | 44.2326% | 6,764 |
| Assets per employee ($millions) | 4.2477% | 3,439 |
| Cash dividends to net income (ytd only)* | 65.2161% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4358% | 4,070 |
| Loan loss allowance to noncurrent loans | 243.4993% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.5036% | 5,124 |
| Noncurrent loans to loans | 0.5897% | 4,962 |
| Net loans and leases to total assets | 75.6675% | 882 |
| Net loans and leases to deposits | 99.3220% | 380 |
| Net loans and leases to core deposits | 101.3568% | 867 |
| Total domestic deposits to total assets | 76.1840% | 6,347 |
| Equity capital to assets | 10.1013% | 4,017 |
| Core capital (leverage) ratio | 9.5568% | 3,993 |
| Tier 1 risk-based capital ratio | 12.7735% | 5,383 |
| Total risk-based capital ratio | 14.0258% | 5,325 |
| Memoranda: | ||
| Average total assets | $508,137,000 | 1,325 |
| Average earning assets | $464,194,500 | 1,324 |
| Average equity | $50,046,500 | 1,453 |
| Average total loans | $394,161,500 | 1,080 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0170% | 1,514 |
| Cost of funding earning assets | 0.6604% | 3,832 |
| Net interest margin | 4.3566% | 1,263 |
| Noninterest income to average assets | 1.1367% | 1,209 |
| Noninterest expense to average assets | 2.3254% | 5,623 |
| Loan and lease loss provision to assets | 0.3990% | 1,631 |
| Net operating income to assets | 2.3941% | 179 |
| Return on assets (ROA) | 2.4204% | 189 |
| Pretax return on assets | 2.4204% | 285 |
| Return on Equity (ROE) | 25.7241% | 111 |
| Retained earnings to average equity (ytd only) | 9.0101% | 819 |
| Net charge-offs to loans | 0.3045% | 3,121 |
| Credit loss provision to net charge-offs | 170.2128% | 1,553 |
| Earnings coverage of net charge-offs (x) | 11.9140% | 1,987 |
| Efficiency ratio | 45.4315% | 6,802 |
| Assets per employee ($millions) | 4.4021% | 3,142 |
| Cash dividends to net income (ytd only)* | 64.9740% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3880% | 4,221 |
| Loan loss allowance to noncurrent loans | 166.0540% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.8380% | 4,380 |
| Noncurrent loans to loans | 0.8359% | 4,522 |
| Net loans and leases to total assets | 77.2611% | 765 |
| Net loans and leases to deposits | 103.1380% | 295 |
| Net loans and leases to core deposits | 105.4650% | 718 |
| Total domestic deposits to total assets | 74.9104% | 6,452 |
| Equity capital to assets | 9.6035% | 4,743 |
| Core capital (leverage) ratio | 9.1105% | 4,725 |
| Tier 1 risk-based capital ratio | 12.0762% | 5,742 |
| Total risk-based capital ratio | 13.3283% | 5,699 |
| Memoranda: | ||
| Average total assets | $501,195,600 | 1,330 |
| Average earning assets | $458,086,800 | 1,332 |
| Average equity | $47,158,200 | 1,484 |
| Average total loans | $385,902,600 | 1,082 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0492% | 1,561 |
| Cost of funding earning assets | 0.7118% | 3,665 |
| Net interest margin | 4.3374% | 1,383 |
| Noninterest income to average assets | 1.0889% | 1,271 |
| Noninterest expense to average assets | 2.3817% | 5,452 |
| Loan and lease loss provision to assets | 0.1205% | 4,042 |
| Net operating income to assets | 2.5518% | 160 |
| Return on assets (ROA) | 2.5518% | 169 |
| Pretax return on assets | 2.5518% | 266 |
| Return on Equity (ROE) | 27.2658% | 107 |
| Retained earnings to average equity (ytd only) | 10.0007% | 912 |
| Net charge-offs to loans | 0.1035% | 4,360 |
| Credit loss provision to net charge-offs | 152.0270% | 1,852 |
| Earnings coverage of net charge-offs (x) | 33.7024% | 995 |
| Efficiency ratio | 47.1246% | 6,763 |
| Assets per employee ($millions) | 4.3915% | 3,085 |
| Cash dividends to net income (ytd only)* | 63.3214% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2296% | 5,141 |
| Loan loss allowance to noncurrent loans | 92.2357% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 1.1365% | 4,016 |
| Noncurrent loans to loans | 1.3331% | 3,806 |
| Net loans and leases to total assets | 75.7803% | 1,005 |
| Net loans and leases to deposits | 96.7188% | 612 |
| Net loans and leases to core deposits | 104.6255% | 831 |
| Total domestic deposits to total assets | 78.3512% | 6,003 |
| Equity capital to assets | 9.3282% | 5,435 |
| Core capital (leverage) ratio | 8.8921% | 5,206 |
| Tier 1 risk-based capital ratio | 11.8823% | 6,005 |
| Total risk-based capital ratio | 13.1326% | 5,989 |
| Memoranda: | ||
| Average total assets | $497,733,750 | 1,362 |
| Average earning assets | $455,007,250 | 1,360 |
| Average equity | $46,582,250 | 1,516 |
| Average total loans | $381,496,000 | 1,107 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0568% | 1,644 |
| Cost of funding earning assets | 0.7556% | 3,562 |
| Net interest margin | 4.3011% | 1,478 |
| Noninterest income to average assets | 1.0673% | 1,257 |
| Noninterest expense to average assets | 2.4064% | 5,436 |
| Loan and lease loss provision to assets | 0.1226% | 3,990 |
| Net operating income to assets | 2.4738% | 186 |
| Return on assets (ROA) | 2.4738% | 212 |
| Pretax return on assets | 2.4738% | 311 |
| Return on Equity (ROE) | 26.4019% | 125 |
| Retained earnings to average equity (ytd only) | 7.7409% | 1,748 |
| Net charge-offs to loans | 0.0725% | 4,419 |
| Credit loss provision to net charge-offs | 220.5882% | 1,289 |
| Earnings coverage of net charge-offs (x) | 46.7206% | 773 |
| Efficiency ratio | 48.1010% | 6,770 |
| Assets per employee ($millions) | 4.3940% | 3,097 |
| Cash dividends to net income (ytd only)* | 70.6805% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2313% | 5,201 |
| Loan loss allowance to noncurrent loans | 105.4429% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.9578% | 4,457 |
| Noncurrent loans to loans | 1.1678% | 4,202 |
| Net loans and leases to total assets | 76.4251% | 915 |
| Net loans and leases to deposits | 98.5486% | 495 |
| Net loans and leases to core deposits | 104.1666% | 848 |
| Total domestic deposits to total assets | 77.5506% | 6,240 |
| Equity capital to assets | 9.0484% | 5,651 |
| Core capital (leverage) ratio | 8.6477% | 5,453 |
| Tier 1 risk-based capital ratio | 11.4374% | 6,255 |
| Total risk-based capital ratio | 12.6879% | 6,229 |
| Memoranda: | ||
| Average total assets | $489,449,000 | 1,378 |
| Average earning assets | $447,836,670 | 1,380 |
| Average equity | $45,860,330 | 1,519 |
| Average total loans | $375,011,670 | 1,127 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0399% | 1,754 |
| Cost of funding earning assets | 0.8081% | 3,408 |
| Net interest margin | 4.2318% | 1,667 |
| Noninterest income to average assets | 1.0402% | 1,335 |
| Noninterest expense to average assets | 2.4383% | 5,349 |
| Loan and lease loss provision to assets | 0.1263% | 3,765 |
| Net operating income to assets | 2.3481% | 223 |
| Return on assets (ROA) | 2.3481% | 274 |
| Pretax return on assets | 2.3481% | 418 |
| Return on Equity (ROE) | 24.6002% | 195 |
| Retained earnings to average equity (ytd only) | 2.3030% | 5,107 |
| Net charge-offs to loans | 0.0497% | 4,004 |
| Credit loss provision to net charge-offs | 333.3333% | 895 |
| Earnings coverage of net charge-offs (x) | 65.2889% | 514 |
| Efficiency ratio | 49.6314% | 6,694 |
| Assets per employee ($millions) | 4.6016% | 2,803 |
| Cash dividends to net income (ytd only)* | 90.6385% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2401% | 5,315 |
| Loan loss allowance to noncurrent loans | 111.4893% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.8933% | 4,741 |
| Noncurrent loans to loans | 1.1123% | 4,470 |
| Net loans and leases to total assets | 75.4216% | 867 |
| Net loans and leases to deposits | 99.1240% | 399 |
| Net loans and leases to core deposits | 103.4805% | 793 |
| Total domestic deposits to total assets | 76.0881% | 6,532 |
| Equity capital to assets | 8.8261% | 5,719 |
| Core capital (leverage) ratio | 9.0246% | 4,804 |
| Tier 1 risk-based capital ratio | 11.2385% | 6,424 |
| Total risk-based capital ratio | 12.4890% | 6,405 |
| Memoranda: | ||
| Average total assets | $474,930,000 | 1,411 |
| Average earning assets | $434,613,500 | 1,410 |
| Average equity | $45,333,000 | 1,530 |
| Average total loans | $361,920,500 | 1,159 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2139% | 2,007 |
| Cost of funding earning assets | 1.1185% | 2,544 |
| Net interest margin | 4.0954% | 2,444 |
| Noninterest income to average assets | 1.0870% | 1,121 |
| Noninterest expense to average assets | 2.3243% | 5,989 |
| Loan and lease loss provision to assets | 0.0822% | 5,585 |
| Net operating income to assets | 2.4337% | 148 |
| Return on assets (ROA) | 2.4393% | 153 |
| Pretax return on assets | 2.4393% | 231 |
| Return on Equity (ROE) | 24.1068% | 134 |
| Retained earnings to average equity (ytd only) | 5.6172% | 2,233 |
| Net charge-offs to loans | 0.1058% | 5,302 |
| Credit loss provision to net charge-offs | 104.7904% | 3,269 |
| Earnings coverage of net charge-offs (x) | 32.0838% | 806 |
| Efficiency ratio | 48.0210% | 6,945 |
| Assets per employee ($millions) | 4.1379% | 3,574 |
| Cash dividends to net income (ytd only)* | 76.6987% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4462% | 4,256 |
| Loan loss allowance to noncurrent loans | 347.8514% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.3432% | 6,117 |
| Noncurrent loans to loans | 0.4157% | 5,887 |
| Net loans and leases to total assets | 74.9117% | 1,105 |
| Net loans and leases to deposits | 101.9649% | 381 |
| Net loans and leases to core deposits | 107.2363% | 745 |
| Total domestic deposits to total assets | 73.4681% | 6,765 |
| Equity capital to assets | 10.3982% | 3,658 |
| Core capital (leverage) ratio | 10.0767% | 3,248 |
| Tier 1 risk-based capital ratio | 13.4635% | 4,722 |
| Total risk-based capital ratio | 14.7164% | 4,689 |
| Memoranda: | ||
| Average total assets | $425,934,800 | 1,531 |
| Average earning assets | $390,342,800 | 1,526 |
| Average equity | $43,099,800 | 1,564 |
| Average total loans | $315,562,400 | 1,343 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2451% | 2,049 |
| Cost of funding earning assets | 1.1748% | 2,482 |
| Net interest margin | 4.0703% | 2,600 |
| Noninterest income to average assets | 1.0222% | 1,289 |
| Noninterest expense to average assets | 2.1802% | 6,320 |
| Loan and lease loss provision to assets | 0.0944% | 5,288 |
| Net operating income to assets | 2.4797% | 160 |
| Return on assets (ROA) | 2.4873% | 166 |
| Pretax return on assets | 2.4873% | 258 |
| Return on Equity (ROE) | 24.7558% | 135 |
| Retained earnings to average equity (ytd only) | 5.2731% | 3,012 |
| Net charge-offs to loans | 0.0466% | 5,522 |
| Credit loss provision to net charge-offs | 275.2294% | 1,043 |
| Earnings coverage of net charge-offs (x) | 75.0641% | 455 |
| Efficiency ratio | 45.8576% | 7,069 |
| Assets per employee ($millions) | 3.9641% | 3,933 |
| Cash dividends to net income (ytd only)* | 78.6997% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5740% | 3,781 |
| Loan loss allowance to noncurrent loans | 268.6381% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.4474% | 5,972 |
| Noncurrent loans to loans | 0.5859% | 5,701 |
| Net loans and leases to total assets | 73.6784% | 1,378 |
| Net loans and leases to deposits | 102.4318% | 373 |
| Net loans and leases to core deposits | 108.1932% | 762 |
| Total domestic deposits to total assets | 71.9293% | 6,939 |
| Equity capital to assets | 10.5402% | 3,657 |
| Core capital (leverage) ratio | 9.9172% | 3,551 |
| Tier 1 risk-based capital ratio | 13.7276% | 4,556 |
| Total risk-based capital ratio | 14.9819% | 4,513 |
| Memoranda: | ||
| Average total assets | $423,799,250 | 1,550 |
| Average earning assets | $388,593,500 | 1,534 |
| Average equity | $42,580,250 | 1,587 |
| Average total loans | $311,890,500 | 1,368 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2040% | 2,241 |
| Cost of funding earning assets | 1.2087% | 2,518 |
| Net interest margin | 3.9953% | 2,858 |
| Noninterest income to average assets | 1.0009% | 1,316 |
| Noninterest expense to average assets | 2.1906% | 6,409 |
| Loan and lease loss provision to assets | 0.1412% | 4,542 |
| Net operating income to assets | 2.3322% | 209 |
| Return on assets (ROA) | 2.3435% | 221 |
| Pretax return on assets | 2.3435% | 321 |
| Return on Equity (ROE) | 23.7085% | 169 |
| Retained earnings to average equity (ytd only) | 4.1990% | 3,525 |
| Net charge-offs to loans | 0.0141% | 5,647 |
| Credit loss provision to net charge-offs | 1,363.6364% | 256 |
| Earnings coverage of net charge-offs (x) | 238.9091% | 146 |
| Efficiency ratio | 46.9680% | 7,113 |
| Assets per employee ($millions) | 4.0917% | 3,567 |
| Cash dividends to net income (ytd only)* | 82.2892% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6056% | 3,673 |
| Loan loss allowance to noncurrent loans | 342.2554% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.3459% | 6,265 |
| Noncurrent loans to loans | 0.4691% | 5,968 |
| Net loans and leases to total assets | 72.5526% | 1,673 |
| Net loans and leases to deposits | 99.6820% | 511 |
| Net loans and leases to core deposits | 102.5415% | 1,149 |
| Total domestic deposits to total assets | 72.7841% | 6,947 |
| Equity capital to assets | 10.1484% | 3,951 |
| Core capital (leverage) ratio | 9.7206% | 3,639 |
| Tier 1 risk-based capital ratio | 13.5885% | 4,459 |
| Total risk-based capital ratio | 14.8433% | 4,441 |
| Memoranda: | ||
| Average total assets | $424,999,330 | 1,557 |
| Average earning assets | $389,659,670 | 1,545 |
| Average equity | $42,010,330 | 1,596 |
| Average total loans | $311,005,000 | 1,388 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1745% | 2,325 |
| Cost of funding earning assets | 1.2407% | 2,565 |
| Net interest margin | 3.9338% | 2,983 |
| Noninterest income to average assets | 0.9710% | 1,409 |
| Noninterest expense to average assets | 2.1915% | 6,441 |
| Loan and lease loss provision to assets | 0.1413% | 4,239 |
| Net operating income to assets | 2.2424% | 243 |
| Return on assets (ROA) | 2.2424% | 259 |
| Pretax return on assets | 2.2424% | 370 |
| Return on Equity (ROE) | 22.9921% | 213 |
| Retained earnings to average equity (ytd only) | 3.2156% | 4,242 |
| Net charge-offs to loans | 0.0388% | 4,567 |
| Credit loss provision to net charge-offs | 500.0000% | 713 |
| Earnings coverage of net charge-offs (x) | 84.3667% | 364 |
| Efficiency ratio | 47.9004% | 7,119 |
| Assets per employee ($millions) | 4.0352% | 3,769 |
| Cash dividends to net income (ytd only)* | 86.0143% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5802% | 3,815 |
| Loan loss allowance to noncurrent loans | 254.2991% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.4628% | 6,058 |
| Noncurrent loans to loans | 0.6214% | 5,790 |
| Net loans and leases to total assets | 71.7346% | 1,778 |
| Net loans and leases to deposits | 99.2489% | 514 |
| Net loans and leases to core deposits | 102.1829% | 1,189 |
| Total domestic deposits to total assets | 72.2774% | 7,060 |
| Equity capital to assets | 9.8345% | 3,984 |
| Core capital (leverage) ratio | 9.5785% | 3,690 |
| Tier 1 risk-based capital ratio | 13.5541% | 4,388 |
| Total risk-based capital ratio | 14.8086% | 4,354 |
| Memoranda: | ||
| Average total assets | $424,732,000 | 1,564 |
| Average earning assets | $389,139,000 | 1,560 |
| Average equity | $41,423,000 | 1,614 |
| Average total loans | $309,620,500 | 1,410 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5234% | 2,193 |
| Cost of funding earning assets | 1.4714% | 2,817 |
| Net interest margin | 4.0519% | 2,796 |
| Noninterest income to average assets | 1.1365% | 1,142 |
| Noninterest expense to average assets | 2.2831% | 6,404 |
| Loan and lease loss provision to assets | 0.1439% | 5,744 |
| Net operating income to assets | 2.4191% | 127 |
| Return on assets (ROA) | 2.4320% | 131 |
| Pretax return on assets | 2.4320% | 203 |
| Return on Equity (ROE) | 25.1948% | 100 |
| Retained earnings to average equity (ytd only) | 7.3753% | 1,186 |
| Net charge-offs to loans | 0.0523% | 6,270 |
| Credit loss provision to net charge-offs | 375.0000% | 670 |
| Earnings coverage of net charge-offs (x) | 66.7813% | 360 |
| Efficiency ratio | 47.1118% | 7,309 |
| Assets per employee ($millions) | 3.9792% | 3,829 |
| Cash dividends to net income (ytd only)* | 70.7269% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5334% | 3,844 |
| Loan loss allowance to noncurrent loans | 244.6043% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.4669% | 6,113 |
| Noncurrent loans to loans | 0.6269% | 5,795 |
| Net loans and leases to total assets | 71.7913% | 2,144 |
| Net loans and leases to deposits | 100.0085% | 576 |
| Net loans and leases to core deposits | 102.9993% | 1,388 |
| Total domestic deposits to total assets | 71.7852% | 7,099 |
| Equity capital to assets | 9.6714% | 4,184 |
| Core capital (leverage) ratio | 9.5814% | 3,587 |
| Tier 1 risk-based capital ratio | 13.3535% | 4,325 |
| Total risk-based capital ratio | 14.6075% | 4,285 |
| Memoranda: | ||
| Average total assets | $416,893,400 | 1,592 |
| Average earning assets | $381,668,800 | 1,578 |
| Average equity | $40,242,400 | 1,646 |
| Average total loans | $305,830,200 | 1,468 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5677% | 2,182 |
| Cost of funding earning assets | 1.5208% | 2,840 |
| Net interest margin | 4.0470% | 2,873 |
| Noninterest income to average assets | 1.0530% | 1,299 |
| Noninterest expense to average assets | 2.2417% | 6,488 |
| Loan and lease loss provision to assets | 0.1447% | 5,587 |
| Net operating income to assets | 2.3732% | 168 |
| Return on assets (ROA) | 2.3784% | 175 |
| Pretax return on assets | 2.3784% | 279 |
| Return on Equity (ROE) | 24.6508% | 128 |
| Retained earnings to average equity (ytd only) | 6.7317% | 1,976 |
| Net charge-offs to loans | 0.0398% | 6,157 |
| Credit loss provision to net charge-offs | 494.5055% | 594 |
| Earnings coverage of net charge-offs (x) | 86.0551% | 358 |
| Efficiency ratio | 47.0986% | 7,326 |
| Assets per employee ($millions) | 3.9751% | 3,891 |
| Cash dividends to net income (ytd only)* | 72.6916% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5333% | 3,815 |
| Loan loss allowance to noncurrent loans | 290.6211% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.4008% | 6,416 |
| Noncurrent loans to loans | 0.5276% | 6,145 |
| Net loans and leases to total assets | 71.3098% | 2,403 |
| Net loans and leases to deposits | 100.2890% | 641 |
| Net loans and leases to core deposits | 103.5193% | 1,524 |
| Total domestic deposits to total assets | 71.1042% | 7,207 |
| Equity capital to assets | 9.7396% | 4,484 |
| Core capital (leverage) ratio | 9.4493% | 3,988 |
| Tier 1 risk-based capital ratio | 13.2573% | 4,382 |
| Total risk-based capital ratio | 14.5114% | 4,348 |
| Memoranda: | ||
| Average total assets | $414,674,250 | 1,623 |
| Average earning assets | $379,798,500 | 1,607 |
| Average equity | $40,008,500 | 1,667 |
| Average total loans | $304,681,250 | 1,493 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5900% | 2,173 |
| Cost of funding earning assets | 1.5637% | 2,877 |
| Net interest margin | 4.0263% | 2,893 |
| Noninterest income to average assets | 1.0144% | 1,339 |
| Noninterest expense to average assets | 2.2388% | 6,545 |
| Loan and lease loss provision to assets | 0.1455% | 5,441 |
| Net operating income to assets | 2.3184% | 189 |
| Return on assets (ROA) | 2.3261% | 201 |
| Pretax return on assets | 2.3261% | 316 |
| Return on Equity (ROE) | 24.1876% | 144 |
| Retained earnings to average equity (ytd only) | 6.6255% | 2,003 |
| Net charge-offs to loans | 0.0322% | 5,897 |
| Credit loss provision to net charge-offs | 612.2449% | 596 |
| Earnings coverage of net charge-offs (x) | 103.6939% | 316 |
| Efficiency ratio | 47.6078% | 7,366 |
| Assets per employee ($millions) | 3.8795% | 4,036 |
| Cash dividends to net income (ytd only)* | 72.6079% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4937% | 3,970 |
| Loan loss allowance to noncurrent loans | 279.2303% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.4165% | 6,410 |
| Noncurrent loans to loans | 0.5349% | 6,184 |
| Net loans and leases to total assets | 72.6167% | 2,251 |
| Net loans and leases to deposits | 102.3430% | 578 |
| Net loans and leases to core deposits | 105.9886% | 1,451 |
| Total domestic deposits to total assets | 70.9542% | 7,264 |
| Equity capital to assets | 9.7263% | 4,374 |
| Core capital (leverage) ratio | 9.4467% | 3,900 |
| Tier 1 risk-based capital ratio | 13.0072% | 4,435 |
| Total risk-based capital ratio | 14.2608% | 4,387 |
| Memoranda: | ||
| Average total assets | $412,444,670 | 1,650 |
| Average earning assets | $377,816,670 | 1,633 |
| Average equity | $39,665,000 | 1,681 |
| Average total loans | $304,524,330 | 1,507 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6194% | 2,074 |
| Cost of funding earning assets | 1.5928% | 3,007 |
| Net interest margin | 4.0266% | 2,759 |
| Noninterest income to average assets | 0.9876% | 1,340 |
| Noninterest expense to average assets | 2.2048% | 6,676 |
| Loan and lease loss provision to assets | 0.1459% | 5,088 |
| Net operating income to assets | 2.3264% | 200 |
| Return on assets (ROA) | 2.3419% | 216 |
| Pretax return on assets | 2.3419% | 329 |
| Return on Equity (ROE) | 24.4925% | 175 |
| Retained earnings to average equity (ytd only) | 5.8102% | 2,705 |
| Net charge-offs to loans | 0.0145% | 5,383 |
| Credit loss provision to net charge-offs | 1,363.6364% | 362 |
| Earnings coverage of net charge-offs (x) | 231.0000% | 146 |
| Efficiency ratio | 47.1396% | 7,494 |
| Assets per employee ($millions) | 3.8350% | 4,240 |
| Cash dividends to net income (ytd only)* | 76.2775% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4721% | 4,058 |
| Loan loss allowance to noncurrent loans | 338.3156% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.3385% | 6,634 |
| Noncurrent loans to loans | 0.4351% | 6,430 |
| Net loans and leases to total assets | 73.4162% | 2,104 |
| Net loans and leases to deposits | 104.0306% | 527 |
| Net loans and leases to core deposits | 109.4553% | 1,316 |
| Total domestic deposits to total assets | 70.5717% | 7,375 |
| Equity capital to assets | 9.6837% | 4,250 |
| Core capital (leverage) ratio | 9.2282% | 4,174 |
| Tier 1 risk-based capital ratio | 12.9053% | 4,405 |
| Total risk-based capital ratio | 14.1588% | 4,377 |
| Memoranda: | ||
| Average total assets | $411,112,000 | 1,700 |
| Average earning assets | $376,694,500 | 1,678 |
| Average equity | $39,310,000 | 1,708 |
| Average total loans | $303,781,500 | 1,551 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9041% | 2,214 |
| Cost of funding earning assets | 1.9239% | 3,341 |
| Net interest margin | 3.9801% | 2,941 |
| Noninterest income to average assets | 1.0616% | 1,369 |
| Noninterest expense to average assets | 2.2663% | 6,831 |
| Loan and lease loss provision to assets | 0.1859% | 5,852 |
| Net operating income to assets | 2.2630% | 127 |
| Return on assets (ROA) | 2.1966% | 158 |
| Pretax return on assets | 2.1966% | 275 |
| Return on Equity (ROE) | 23.8672% | 109 |
| Retained earnings to average equity (ytd only) | 7.6487% | 792 |
| Net charge-offs to loans | 0.0420% | 6,688 |
| Credit loss provision to net charge-offs | 595.2381% | 502 |
| Earnings coverage of net charge-offs (x) | 78.4127% | 347 |
| Efficiency ratio | 48.0629% | 7,629 |
| Assets per employee ($millions) | 3.9592% | 3,901 |
| Cash dividends to net income (ytd only)* | 67.9531% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4180% | 4,131 |
| Loan loss allowance to noncurrent loans | 319.2905% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 6,627 |
| Noncurrent loans to loans | 0.4441% | 6,385 |
| Net loans and leases to total assets | 72.2467% | 2,692 |
| Net loans and leases to deposits | 103.3986% | 677 |
| Net loans and leases to core deposits | 119.4958% | 1,989 |
| Total domestic deposits to total assets | 69.8721% | 7,438 |
| Equity capital to assets | 9.4427% | 4,497 |
| Core capital (leverage) ratio | 9.2555% | 4,045 |
| Tier 1 risk-based capital ratio | 12.6367% | 4,410 |
| Total risk-based capital ratio | 13.8894% | 4,347 |
| Memoranda: | ||
| Average total assets | $403,439,600 | 1,699 |
| Average earning assets | $370,338,600 | 1,702 |
| Average equity | $37,130,400 | 1,809 |
| Average total loans | $299,658,400 | 1,602 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9625% | 2,184 |
| Cost of funding earning assets | 1.9900% | 3,408 |
| Net interest margin | 3.9725% | 2,934 |
| Noninterest income to average assets | 1.0647% | 1,400 |
| Noninterest expense to average assets | 2.2282% | 6,901 |
| Loan and lease loss provision to assets | 0.1998% | 5,391 |
| Net operating income to assets | 2.2862% | 154 |
| Return on assets (ROA) | 2.2172% | 189 |
| Pretax return on assets | 2.2172% | 329 |
| Return on Equity (ROE) | 24.2549% | 120 |
| Retained earnings to average equity (ytd only) | 7.2131% | 1,430 |
| Net charge-offs to loans | 0.0322% | 6,440 |
| Credit loss provision to net charge-offs | 833.3333% | 457 |
| Earnings coverage of net charge-offs (x) | 103.6779% | 351 |
| Efficiency ratio | 47.2662% | 7,705 |
| Assets per employee ($millions) | 3.8352% | 4,112 |
| Cash dividends to net income (ytd only)* | 70.2614% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4167% | 3,856 |
| Loan loss allowance to noncurrent loans | 100.8596% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 1.0602% | 4,960 |
| Noncurrent loans to loans | 1.4046% | 4,567 |
| Net loans and leases to total assets | 74.4078% | 2,408 |
| Net loans and leases to deposits | 109.0977% | 493 |
| Net loans and leases to core deposits | 124.0499% | 1,893 |
| Total domestic deposits to total assets | 68.2029% | 7,553 |
| Equity capital to assets | 9.6705% | 4,531 |
| Core capital (leverage) ratio | 9.0983% | 4,494 |
| Tier 1 risk-based capital ratio | 12.5552% | 4,498 |
| Total risk-based capital ratio | 13.8080% | 4,449 |
| Memoranda: | ||
| Average total assets | $400,370,250 | 1,728 |
| Average earning assets | $367,822,250 | 1,721 |
| Average equity | $36,599,250 | 1,855 |
| Average total loans | $298,407,500 | 1,630 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9890% | 2,226 |
| Cost of funding earning assets | 2.0521% | 3,511 |
| Net interest margin | 3.9369% | 2,943 |
| Noninterest income to average assets | 1.0285% | 1,504 |
| Noninterest expense to average assets | 2.2385% | 6,955 |
| Loan and lease loss provision to assets | 0.2238% | 4,793 |
| Net operating income to assets | 2.1813% | 203 |
| Return on assets (ROA) | 2.1813% | 223 |
| Pretax return on assets | 2.1813% | 373 |
| Return on Equity (ROE) | 24.3225% | 148 |
| Retained earnings to average equity (ytd only) | 5.8339% | 2,101 |
| Net charge-offs to loans | 0.0389% | 5,921 |
| Credit loss provision to net charge-offs | 775.8621% | 603 |
| Earnings coverage of net charge-offs (x) | 83.3793% | 459 |
| Efficiency ratio | 48.2061% | 7,743 |
| Assets per employee ($millions) | 3.7728% | 4,171 |
| Cash dividends to net income (ytd only)* | 76.0146% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 3,776 |
| Loan loss allowance to noncurrent loans | 210.3963% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.5064% | 6,171 |
| Noncurrent loans to loans | 0.6609% | 5,930 |
| Net loans and leases to total assets | 73.1816% | 2,915 |
| Net loans and leases to deposits | 104.2145% | 895 |
| Net loans and leases to core deposits | 118.5530% | 2,495 |
| Total domestic deposits to total assets | 70.2221% | 7,449 |
| Equity capital to assets | 9.1855% | 5,038 |
| Core capital (leverage) ratio | 8.7594% | 4,993 |
| Tier 1 risk-based capital ratio | 12.6703% | 4,381 |
| Total risk-based capital ratio | 13.9231% | 4,298 |
| Memoranda: | ||
| Average total assets | $402,151,670 | 1,744 |
| Average earning assets | $369,278,330 | 1,741 |
| Average equity | $36,065,330 | 1,889 |
| Average total loans | $298,492,000 | 1,660 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9196% | 2,701 |
| Cost of funding earning assets | 2.1340% | 3,499 |
| Net interest margin | 3.7856% | 3,511 |
| Noninterest income to average assets | 0.9596% | 1,607 |
| Noninterest expense to average assets | 2.1651% | 6,968 |
| Loan and lease loss provision to assets | 0.2221% | 4,229 |
| Net operating income to assets | 2.0595% | 316 |
| Return on assets (ROA) | 2.0595% | 358 |
| Pretax return on assets | 2.0595% | 588 |
| Return on Equity (ROE) | 23.2398% | 249 |
| Retained earnings to average equity (ytd only) | 2.8298% | 4,302 |
| Net charge-offs to loans | 0.0266% | 5,160 |
| Credit loss provision to net charge-offs | 1,125.0000% | 561 |
| Earnings coverage of net charge-offs (x) | 115.5500% | 375 |
| Efficiency ratio | 48.6901% | 7,687 |
| Assets per employee ($millions) | 3.9593% | 3,752 |
| Cash dividends to net income (ytd only)* | 87.8236% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 4,016 |
| Loan loss allowance to noncurrent loans | 313.0819% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.3543% | 6,453 |
| Noncurrent loans to loans | 0.4186% | 6,373 |
| Net loans and leases to total assets | 72.7399% | 3,064 |
| Net loans and leases to deposits | 103.3675% | 1,060 |
| Net loans and leases to core deposits | 118.9658% | 2,507 |
| Total domestic deposits to total assets | 70.3703% | 7,392 |
| Equity capital to assets | 8.9323% | 5,432 |
| Core capital (leverage) ratio | 8.3926% | 5,725 |
| Tier 1 risk-based capital ratio | 12.1984% | 4,792 |
| Total risk-based capital ratio | 13.4500% | 4,692 |
| Memoranda: | ||
| Average total assets | $405,154,500 | 1,738 |
| Average earning assets | $373,200,000 | 1,739 |
| Average equity | $35,904,000 | 1,907 |
| Average total loans | $300,741,000 | 1,664 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1868% | 4,583 |
| Cost of funding earning assets | 2.5682% | 3,861 |
| Net interest margin | 3.6186% | 4,801 |
| Noninterest income to average assets | 0.9425% | 1,804 |
| Noninterest expense to average assets | 2.0776% | 7,282 |
| Loan and lease loss provision to assets | 0.3089% | 3,897 |
| Net operating income to assets | 1.8703% | 466 |
| Return on assets (ROA) | 1.8708% | 447 |
| Pretax return on assets | 1.8708% | 814 |
| Return on Equity (ROE) | 22.8620% | 220 |
| Retained earnings to average equity (ytd only) | 12.2353% | 215 |
| Net charge-offs to loans | 0.1023% | 5,287 |
| Credit loss provision to net charge-offs | 407.9470% | 1,074 |
| Earnings coverage of net charge-offs (x) | 28.7781% | 1,201 |
| Efficiency ratio | 48.8072% | 7,750 |
| Assets per employee ($millions) | 3.9462% | 3,628 |
| Cash dividends to net income (ytd only)* | 46.4817% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2165% | 4,409 |
| Loan loss allowance to noncurrent loans | 299.5138% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.3036% | 6,386 |
| Noncurrent loans to loans | 0.4062% | 6,127 |
| Net loans and leases to total assets | 73.8389% | 3,147 |
| Net loans and leases to deposits | 104.9730% | 1,237 |
| Net loans and leases to core deposits | 122.6382% | 2,434 |
| Total domestic deposits to total assets | 70.3408% | 7,241 |
| Equity capital to assets | 8.7918% | 5,668 |
| Core capital (leverage) ratio | 8.3997% | 5,765 |
| Tier 1 risk-based capital ratio | 11.9312% | 4,880 |
| Total risk-based capital ratio | 13.1818% | 4,763 |
| Memoranda: | ||
| Average total assets | $398,816,400 | 1,703 |
| Average earning assets | $365,276,600 | 1,705 |
| Average equity | $32,635,000 | 2,074 |
| Average total loans | $295,193,800 | 1,637 |