Home > FIRST COMMERCIAL BANK > Performance and Condition Ratios
FIRST COMMERCIAL BANK, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4313% | 1,254 |
| Cost of funding earning assets | 2.1361% | 721 |
| Net interest margin | 3.2952% | 2,650 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.8320% | 1,423 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 0.5598% | 3,539 |
| Return on assets (ROA) | 0.5598% | 3,528 |
| Pretax return on assets | 0.7565% | 3,321 |
| Return on Equity (ROE) | 6.0700% | 3,505 |
| Retained earnings to average equity (ytd only) | 2.5336% | 3,434 |
| Net charge-offs to loans | -0.0011% | 3,613 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 79.2618% | 963 |
| Assets per employee ($millions) | 8.4250% | 1,213 |
| Cash dividends to net income (ytd only)* | 58.2555% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0989% | 2,848 |
| Loan loss allowance to noncurrent loans | 2,973.1884% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 3,432 |
| Noncurrent loans to loans | 0.0370% | 3,470 |
| Net loans and leases to total assets | 86.8000% | 125 |
| Net loans and leases to deposits | 101.3271% | 464 |
| Net loans and leases to core deposits | 116.6610% | 728 |
| Total domestic deposits to total assets | 85.6600% | 2,120 |
| Equity capital to assets | 10.6635% | 1,645 |
| Core capital (leverage) ratio | 10.6064% | 2,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1768% | 2,177 |
| Memoranda: | ||
| Average total assets | $841,735,200 | 1,143 |
| Average earning assets | $780,717,600 | 1,131 |
| Average equity | $77,635,400 | 1,159 |
| Average total loans | $725,719,400 | 925 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3376% | 1,230 |
| Cost of funding earning assets | 1.9948% | 715 |
| Net interest margin | 3.3428% | 2,588 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.8479% | 1,323 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.5494% | 3,665 |
| Return on assets (ROA) | 0.5494% | 3,653 |
| Pretax return on assets | 0.7432% | 3,463 |
| Return on Equity (ROE) | 6.2000% | 3,605 |
| Retained earnings to average equity (ytd only) | 5.5297% | 2,769 |
| Net charge-offs to loans | -0.0015% | 3,527 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.4374% | 976 |
| Assets per employee ($millions) | 8.3875% | 1,170 |
| Cash dividends to net income (ytd only)* | 10.8413% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1492% | 2,625 |
| Loan loss allowance to noncurrent loans | 27,367.7419% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 3,841 |
| Noncurrent loans to loans | 0.0042% | 3,786 |
| Net loans and leases to total assets | 87.0100% | 119 |
| Net loans and leases to deposits | 102.4237% | 417 |
| Net loans and leases to core deposits | 117.9192% | 606 |
| Total domestic deposits to total assets | 84.9500% | 2,515 |
| Equity capital to assets | 9.0632% | 2,381 |
| Core capital (leverage) ratio | 8.8416% | 3,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1400% | 2,798 |
| Memoranda: | ||
| Average total assets | $839,438,250 | 1,145 |
| Average earning assets | $778,652,500 | 1,132 |
| Average equity | $74,359,750 | 1,184 |
| Average total loans | $720,455,750 | 930 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1597% | 1,278 |
| Cost of funding earning assets | 1.7916% | 744 |
| Net interest margin | 3.3680% | 2,600 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 2.9071% | 1,198 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.5012% | 3,807 |
| Return on assets (ROA) | 0.5012% | 3,814 |
| Pretax return on assets | 0.6788% | 3,647 |
| Return on Equity (ROE) | 5.7000% | 3,758 |
| Retained earnings to average equity (ytd only) | 4.6852% | 3,032 |
| Net charge-offs to loans | -0.0014% | 3,483 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 79.7452% | 859 |
| Assets per employee ($millions) | 8.3163% | 1,176 |
| Cash dividends to net income (ytd only)* | 17.8232% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1656% | 2,620 |
| Loan loss allowance to noncurrent loans | 26,503.1250% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 3,846 |
| Noncurrent loans to loans | 0.0044% | 3,783 |
| Net loans and leases to total assets | 87.3400% | 103 |
| Net loans and leases to deposits | 103.1451% | 395 |
| Net loans and leases to core deposits | 115.1114% | 650 |
| Total domestic deposits to total assets | 84.6800% | 2,631 |
| Equity capital to assets | 9.0687% | 2,469 |
| Core capital (leverage) ratio | 8.7609% | 3,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0536% | 2,841 |
| Memoranda: | ||
| Average total assets | $839,667,667 | 1,137 |
| Average earning assets | $778,615,000 | 1,131 |
| Average equity | $73,807,000 | 1,189 |
| Average total loans | $714,516,667 | 920 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9319% | 1,359 |
| Cost of funding earning assets | 1.6343% | 655 |
| Net interest margin | 3.2976% | 2,880 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.8071% | 1,414 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4657% | 3,975 |
| Return on assets (ROA) | 0.4657% | 3,924 |
| Pretax return on assets | 0.6317% | 3,790 |
| Return on Equity (ROE) | 5.3800% | 3,830 |
| Retained earnings to average equity (ytd only) | 5.3803% | 2,930 |
| Net charge-offs to loans | -0.0028% | 3,499 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.6299% | 730 |
| Assets per employee ($millions) | 8.3476% | 1,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1570% | 2,785 |
| Loan loss allowance to noncurrent loans | 25,018.1818% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 3,301 |
| Noncurrent loans to loans | 0.0046% | 3,817 |
| Net loans and leases to total assets | 85.3500% | 164 |
| Net loans and leases to deposits | 97.7944% | 552 |
| Net loans and leases to core deposits | 113.6777% | 589 |
| Total domestic deposits to total assets | 87.2700% | 2,170 |
| Equity capital to assets | 8.9034% | 2,589 |
| Core capital (leverage) ratio | 8.8973% | 3,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $847,846,000 | 1,142 |
| Average earning assets | $785,665,500 | 1,133 |
| Average equity | $73,378,500 | 1,206 |
| Average total loans | $707,984,500 | 946 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0395% | 1,619 |
| Cost of funding earning assets | 0.5234% | 1,250 |
| Net interest margin | 3.5161% | 1,877 |
| Noninterest income to average assets | 0.9500% | 711 |
| Noninterest expense to average assets | 3.0719% | 869 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 0.7044% | 3,611 |
| Return on assets (ROA) | 0.7044% | 3,554 |
| Pretax return on assets | 0.9537% | 3,212 |
| Return on Equity (ROE) | 7.3600% | 3,552 |
| Retained earnings to average equity (ytd only) | 3.5797% | 3,544 |
| Net charge-offs to loans | -0.0038% | 3,576 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.6187% | 1,371 |
| Assets per employee ($millions) | 9.2476% | 844 |
| Cash dividends to net income (ytd only)* | 51.3539% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0762% | 3,005 |
| Loan loss allowance to noncurrent loans | 2,123.3146% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.0410% | 3,391 |
| Noncurrent loans to loans | 0.0507% | 3,395 |
| Net loans and leases to total assets | 79.9300% | 600 |
| Net loans and leases to deposits | 93.8117% | 799 |
| Net loans and leases to core deposits | 108.8480% | 646 |
| Total domestic deposits to total assets | 85.2000% | 2,938 |
| Equity capital to assets | 8.4183% | 2,762 |
| Core capital (leverage) ratio | 9.3221% | 3,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $760,181,600 | 1,232 |
| Average earning assets | $708,282,600 | 1,223 |
| Average equity | $72,771,000 | 1,216 |
| Average total loans | $627,079,400 | 1,006 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8442% | 1,631 |
| Cost of funding earning assets | 0.3271% | 1,885 |
| Net interest margin | 3.5170% | 1,617 |
| Noninterest income to average assets | 1.1500% | 538 |
| Noninterest expense to average assets | 3.1874% | 700 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.8357% | 3,113 |
| Return on assets (ROA) | 0.8357% | 3,080 |
| Pretax return on assets | 1.1277% | 2,637 |
| Return on Equity (ROE) | 8.4300% | 3,193 |
| Retained earnings to average equity (ytd only) | 7.7408% | 2,104 |
| Net charge-offs to loans | -0.0055% | 3,502 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.9548% | 1,516 |
| Assets per employee ($millions) | 8.1911% | 1,224 |
| Cash dividends to net income (ytd only)* | 8.1628% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 3,570 |
| Loan loss allowance to noncurrent loans | 1,858.5434% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 3,460 |
| Noncurrent loans to loans | 0.0528% | 3,499 |
| Net loans and leases to total assets | 82.5900% | 344 |
| Net loans and leases to deposits | 97.2516% | 485 |
| Net loans and leases to core deposits | 108.8659% | 505 |
| Total domestic deposits to total assets | 84.9300% | 3,304 |
| Equity capital to assets | 9.2168% | 2,063 |
| Core capital (leverage) ratio | 9.9308% | 2,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $732,908,250 | 1,279 |
| Average earning assets | $683,890,750 | 1,264 |
| Average equity | $72,669,250 | 1,229 |
| Average total loans | $608,255,000 | 1,028 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6485% | 1,688 |
| Cost of funding earning assets | 0.2840% | 1,864 |
| Net interest margin | 3.3645% | 1,702 |
| Noninterest income to average assets | 1.4820% | 340 |
| Noninterest expense to average assets | 3.2482% | 584 |
| Loan and lease loss provision to assets | 0.1188% | 842 |
| Net operating income to assets | 0.9237% | 2,472 |
| Return on assets (ROA) | 0.9237% | 2,443 |
| Pretax return on assets | 1.2491% | 1,902 |
| Return on Equity (ROE) | 9.0721% | 2,676 |
| Retained earnings to average equity (ytd only) | 8.0302% | 1,604 |
| Net charge-offs to loans | -0.0079% | 3,501 |
| Credit loss provision to net charge-offs | -1,826.0870% | 3,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3665% | 1,903 |
| Assets per employee ($millions) | 7.4855% | 1,612 |
| Cash dividends to net income (ytd only)* | 11.4855% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 3,400 |
| Loan loss allowance to noncurrent loans | 6,981.5217% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 3,901 |
| Noncurrent loans to loans | 0.0150% | 3,855 |
| Net loans and leases to total assets | 82.8001% | 252 |
| Net loans and leases to deposits | 94.3391% | 501 |
| Net loans and leases to core deposits | 102.3924% | 572 |
| Total domestic deposits to total assets | 87.7686% | 2,670 |
| Equity capital to assets | 10.0427% | 1,694 |
| Core capital (leverage) ratio | 10.2247% | 2,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $706,905,000 | 1,309 |
| Average earning assets | $658,514,000 | 1,311 |
| Average equity | $71,978,667 | 1,266 |
| Average total loans | $585,539,667 | 1,041 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4677% | 1,903 |
| Cost of funding earning assets | 0.2769% | 1,852 |
| Net interest margin | 3.1908% | 1,912 |
| Noninterest income to average assets | 0.6257% | 1,583 |
| Noninterest expense to average assets | 2.9448% | 891 |
| Loan and lease loss provision to assets | 0.1211% | 688 |
| Net operating income to assets | 0.3979% | 3,957 |
| Return on assets (ROA) | 0.3979% | 3,924 |
| Pretax return on assets | 0.5306% | 3,815 |
| Return on Equity (ROE) | 3.8801% | 3,905 |
| Retained earnings to average equity (ytd only) | 3.8801% | 2,977 |
| Net charge-offs to loans | -0.0105% | 3,609 |
| Credit loss provision to net charge-offs | -1,400.0000% | 3,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8794% | 989 |
| Assets per employee ($millions) | 7.4761% | 1,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0636% | 3,476 |
| Loan loss allowance to noncurrent loans | 6,601.0638% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 3,932 |
| Noncurrent loans to loans | 0.0161% | 3,893 |
| Net loans and leases to total assets | 80.4191% | 225 |
| Net loans and leases to deposits | 95.0782% | 310 |
| Net loans and leases to core deposits | 103.6638% | 408 |
| Total domestic deposits to total assets | 84.5821% | 3,639 |
| Equity capital to assets | 9.9190% | 1,959 |
| Core capital (leverage) ratio | 10.2604% | 2,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $693,568,000 | 1,332 |
| Average earning assets | $645,728,500 | 1,336 |
| Average equity | $71,132,500 | 1,315 |
| Average total loans | $571,396,000 | 1,053 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7981% | 1,870 |
| Cost of funding earning assets | 0.3691% | 1,766 |
| Net interest margin | 3.4290% | 1,938 |
| Noninterest income to average assets | 0.8419% | 1,340 |
| Noninterest expense to average assets | 3.2563% | 672 |
| Loan and lease loss provision to assets | 0.1413% | 852 |
| Net operating income to assets | 0.4854% | 4,123 |
| Return on assets (ROA) | 0.4854% | 4,166 |
| Pretax return on assets | 0.6456% | 4,046 |
| Return on Equity (ROE) | 4.3783% | 4,134 |
| Retained earnings to average equity (ytd only) | 0.9980% | 4,261 |
| Net charge-offs to loans | -0.0171% | 3,922 |
| Credit loss provision to net charge-offs | -1,004.4444% | 3,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5381% | 774 |
| Assets per employee ($millions) | 7.1981% | 1,789 |
| Cash dividends to net income (ytd only)* | 77.2054% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0690% | 3,481 |
| Loan loss allowance to noncurrent loans | 6,164.9485% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 3,991 |
| Noncurrent loans to loans | 0.0173% | 3,955 |
| Net loans and leases to total assets | 82.6725% | 155 |
| Net loans and leases to deposits | 97.4865% | 266 |
| Net loans and leases to core deposits | 100.5343% | 516 |
| Total domestic deposits to total assets | 84.8040% | 3,328 |
| Equity capital to assets | 10.6173% | 2,076 |
| Core capital (leverage) ratio | 10.1143% | 2,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $639,873,200 | 1,382 |
| Average earning assets | $597,377,000 | 1,381 |
| Average equity | $70,941,400 | 1,339 |
| Average total loans | $525,697,800 | 1,119 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7903% | 2,031 |
| Cost of funding earning assets | 0.3883% | 1,791 |
| Net interest margin | 3.4021% | 2,146 |
| Noninterest income to average assets | 0.8236% | 1,462 |
| Noninterest expense to average assets | 3.2200% | 688 |
| Loan and lease loss provision to assets | 0.1358% | 838 |
| Net operating income to assets | 0.4863% | 4,232 |
| Return on assets (ROA) | 0.4863% | 4,279 |
| Pretax return on assets | 0.6465% | 4,165 |
| Return on Equity (ROE) | 4.3379% | 4,252 |
| Retained earnings to average equity (ytd only) | 3.6046% | 3,709 |
| Net charge-offs to loans | -0.0222% | 4,005 |
| Credit loss provision to net charge-offs | -748.8372% | 3,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4540% | 716 |
| Assets per employee ($millions) | 7.9460% | 1,296 |
| Cash dividends to net income (ytd only)* | 16.9051% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0572% | 3,631 |
| Loan loss allowance to noncurrent loans | 5,603.9216% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 4,114 |
| Noncurrent loans to loans | 0.0189% | 4,058 |
| Net loans and leases to total assets | 79.2056% | 336 |
| Net loans and leases to deposits | 90.8816% | 554 |
| Net loans and leases to core deposits | 93.6162% | 843 |
| Total domestic deposits to total assets | 87.1525% | 2,291 |
| Equity capital to assets | 10.6864% | 2,273 |
| Core capital (leverage) ratio | 10.4559% | 2,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $632,485,000 | 1,409 |
| Average earning assets | $590,960,500 | 1,410 |
| Average equity | $70,908,000 | 1,355 |
| Average total loans | $517,269,500 | 1,152 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7987% | 2,072 |
| Cost of funding earning assets | 0.4089% | 1,809 |
| Net interest margin | 3.3897% | 2,172 |
| Noninterest income to average assets | 0.8224% | 1,470 |
| Noninterest expense to average assets | 3.2104% | 703 |
| Loan and lease loss provision to assets | 0.1048% | 1,198 |
| Net operating income to assets | 0.5060% | 4,210 |
| Return on assets (ROA) | 0.5060% | 4,256 |
| Pretax return on assets | 0.6691% | 4,129 |
| Return on Equity (ROE) | 4.4378% | 4,246 |
| Retained earnings to average equity (ytd only) | 3.3312% | 3,737 |
| Net charge-offs to loans | -0.0330% | 4,198 |
| Credit loss provision to net charge-offs | -385.7143% | 3,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5765% | 749 |
| Assets per employee ($millions) | 7.1283% | 1,705 |
| Cash dividends to net income (ytd only)* | 24.9361% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0450% | 3,653 |
| Loan loss allowance to noncurrent loans | 808.6957% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.1051% | 3,522 |
| Noncurrent loans to loans | 0.1292% | 3,541 |
| Net loans and leases to total assets | 80.5135% | 284 |
| Net loans and leases to deposits | 92.9409% | 498 |
| Net loans and leases to core deposits | 105.7350% | 478 |
| Total domestic deposits to total assets | 86.6287% | 2,496 |
| Equity capital to assets | 11.2202% | 1,821 |
| Core capital (leverage) ratio | 11.1945% | 1,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $618,177,000 | 1,426 |
| Average earning assets | $576,625,000 | 1,428 |
| Average equity | $70,485,000 | 1,353 |
| Average total loans | $509,466,667 | 1,165 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8735% | 1,898 |
| Cost of funding earning assets | 0.4306% | 1,857 |
| Net interest margin | 3.4429% | 1,985 |
| Noninterest income to average assets | 0.7980% | 1,584 |
| Noninterest expense to average assets | 3.1735% | 742 |
| Loan and lease loss provision to assets | 0.1593% | 798 |
| Net operating income to assets | 0.5114% | 4,152 |
| Return on assets (ROA) | 0.5114% | 4,187 |
| Pretax return on assets | 0.6734% | 4,070 |
| Return on Equity (ROE) | 4.4485% | 4,203 |
| Retained earnings to average equity (ytd only) | 4.4485% | 3,379 |
| Net charge-offs to loans | -0.0585% | 4,459 |
| Credit loss provision to net charge-offs | -328.3784% | 3,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2144% | 877 |
| Assets per employee ($millions) | 7.1317% | 1,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0175% | 3,778 |
| Loan loss allowance to noncurrent loans | 869.3443% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.0983% | 3,699 |
| Noncurrent loans to loans | 0.1170% | 3,725 |
| Net loans and leases to total assets | 83.1438% | 179 |
| Net loans and leases to deposits | 98.0045% | 345 |
| Net loans and leases to core deposits | 112.3197% | 353 |
| Total domestic deposits to total assets | 84.8367% | 3,171 |
| Equity capital to assets | 11.3693% | 1,619 |
| Core capital (leverage) ratio | 11.1825% | 1,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3974% | 2,121 |
| Memoranda: | ||
| Average total assets | $610,056,000 | 1,429 |
| Average earning assets | $568,474,500 | 1,431 |
| Average equity | $70,136,000 | 1,353 |
| Average total loans | $506,106,500 | 1,175 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3003% | 1,871 |
| Cost of funding earning assets | 0.7235% | 1,597 |
| Net interest margin | 3.5768% | 2,228 |
| Noninterest income to average assets | 0.5466% | 2,435 |
| Noninterest expense to average assets | 3.2705% | 938 |
| Loan and lease loss provision to assets | 0.1729% | 2,228 |
| Net operating income to assets | 0.4958% | 4,036 |
| Return on assets (ROA) | 0.4958% | 4,124 |
| Pretax return on assets | 0.4193% | 4,388 |
| Return on Equity (ROE) | 4.1960% | 4,116 |
| Retained earnings to average equity (ytd only) | 0.1622% | 4,474 |
| Net charge-offs to loans | -0.0117% | 4,292 |
| Credit loss provision to net charge-offs | -1,804.2553% | 4,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6674% | 588 |
| Assets per employee ($millions) | 7.0547% | 1,544 |
| Cash dividends to net income (ytd only)* | 96.1333% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0154% | 3,809 |
| Loan loss allowance to noncurrent loans | 2,225.8929% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0374% | 4,170 |
| Noncurrent loans to loans | 0.0456% | 4,115 |
| Net loans and leases to total assets | 81.0554% | 362 |
| Net loans and leases to deposits | 96.1476% | 547 |
| Net loans and leases to core deposits | 114.6049% | 396 |
| Total domestic deposits to total assets | 84.3031% | 3,013 |
| Equity capital to assets | 11.6284% | 1,789 |
| Core capital (leverage) ratio | 12.2315% | 1,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9456% | 1,871 |
| Memoranda: | ||
| Average total assets | $490,320,800 | 1,584 |
| Average earning assets | $454,597,800 | 1,585 |
| Average equity | $57,936,600 | 1,485 |
| Average total loans | $402,139,800 | 1,348 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2010% | 2,399 |
| Cost of funding earning assets | 0.8080% | 1,460 |
| Net interest margin | 3.3931% | 2,945 |
| Noninterest income to average assets | 0.4323% | 2,925 |
| Noninterest expense to average assets | 3.1148% | 1,210 |
| Loan and lease loss provision to assets | 0.0544% | 3,671 |
| Net operating income to assets | 0.4979% | 4,043 |
| Return on assets (ROA) | 0.4979% | 4,126 |
| Pretax return on assets | 0.4086% | 4,420 |
| Return on Equity (ROE) | 4.1923% | 4,118 |
| Retained earnings to average equity (ytd only) | 4.1923% | 2,951 |
| Net charge-offs to loans | -0.0154% | 4,344 |
| Credit loss provision to net charge-offs | -429.5455% | 3,766 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0573% | 456 |
| Assets per employee ($millions) | 6.6171% | 1,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9432% | 3,917 |
| Loan loss allowance to noncurrent loans | 1,913.2743% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 4,238 |
| Noncurrent loans to loans | 0.0493% | 4,180 |
| Net loans and leases to total assets | 85.7833% | 164 |
| Net loans and leases to deposits | 104.0628% | 383 |
| Net loans and leases to core deposits | 130.3317% | 246 |
| Total domestic deposits to total assets | 82.4342% | 3,304 |
| Equity capital to assets | 10.7907% | 2,553 |
| Core capital (leverage) ratio | 11.2511% | 1,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1921% | 2,534 |
| Memoranda: | ||
| Average total assets | $462,987,750 | 1,641 |
| Average earning assets | $429,216,000 | 1,639 |
| Average equity | $54,988,250 | 1,549 |
| Average total loans | $379,915,500 | 1,415 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2429% | 2,625 |
| Cost of funding earning assets | 0.8940% | 1,403 |
| Net interest margin | 3.3488% | 3,248 |
| Noninterest income to average assets | 0.4092% | 3,020 |
| Noninterest expense to average assets | 2.9392% | 1,740 |
| Loan and lease loss provision to assets | 0.0136% | 4,054 |
| Net operating income to assets | 0.6143% | 3,689 |
| Return on assets (ROA) | 0.6143% | 3,766 |
| Pretax return on assets | 0.5507% | 4,159 |
| Return on Equity (ROE) | 4.9892% | 3,830 |
| Retained earnings to average equity (ytd only) | 4.9892% | 2,477 |
| Net charge-offs to loans | -0.0215% | 4,427 |
| Credit loss provision to net charge-offs | -78.9474% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8923% | 648 |
| Assets per employee ($millions) | 7.2024% | 1,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 3,303 |
| Loan loss allowance to noncurrent loans | 1,824.1228% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0694% | 4,179 |
| Noncurrent loans to loans | 0.0578% | 4,243 |
| Net loans and leases to total assets | 79.6923% | 627 |
| Net loans and leases to deposits | 95.6543% | 824 |
| Net loans and leases to core deposits | 123.2669% | 355 |
| Total domestic deposits to total assets | 83.3128% | 2,994 |
| Equity capital to assets | 11.3650% | 2,067 |
| Core capital (leverage) ratio | 11.2882% | 1,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3402% | 1,681 |
| Memoranda: | ||
| Average total assets | $440,862,000 | 1,680 |
| Average earning assets | $407,367,000 | 1,684 |
| Average equity | $54,277,000 | 1,549 |
| Average total loans | $353,743,667 | 1,479 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4574% | 2,429 |
| Cost of funding earning assets | 1.0040% | 1,398 |
| Net interest margin | 3.4534% | 3,145 |
| Noninterest income to average assets | 0.4793% | 2,655 |
| Noninterest expense to average assets | 2.7655% | 2,528 |
| Loan and lease loss provision to assets | 0.0288% | 3,425 |
| Net operating income to assets | 0.8568% | 2,675 |
| Return on assets (ROA) | 0.8568% | 2,776 |
| Pretax return on assets | 0.8568% | 3,264 |
| Return on Equity (ROE) | 6.6586% | 3,079 |
| Retained earnings to average equity (ytd only) | 6.6586% | 1,661 |
| Net charge-offs to loans | -0.0948% | 4,803 |
| Credit loss provision to net charge-offs | -37.9747% | 3,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7432% | 1,590 |
| Assets per employee ($millions) | 6.8414% | 1,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2380% | 2,462 |
| Loan loss allowance to noncurrent loans | 1,395.3488% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 4,051 |
| Noncurrent loans to loans | 0.0887% | 4,154 |
| Net loans and leases to total assets | 81.6230% | 478 |
| Net loans and leases to deposits | 95.5680% | 955 |
| Net loans and leases to core deposits | 129.9081% | 270 |
| Total domestic deposits to total assets | 85.4082% | 2,244 |
| Equity capital to assets | 13.2034% | 1,339 |
| Core capital (leverage) ratio | 13.1130% | 1,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1592% | 1,860 |
| Memoranda: | ||
| Average total assets | $416,410,000 | 1,718 |
| Average earning assets | $382,462,500 | 1,731 |
| Average equity | $53,584,500 | 1,555 |
| Average total loans | $333,383,000 | 1,511 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7004% | 2,325 |
| Cost of funding earning assets | 1.0859% | 1,383 |
| Net interest margin | 3.6145% | 3,090 |
| Noninterest income to average assets | 0.3929% | 3,341 |
| Noninterest expense to average assets | 2.5362% | 3,355 |
| Loan and lease loss provision to assets | 0.0150% | 3,717 |
| Net operating income to assets | 1.1024% | 2,436 |
| Return on assets (ROA) | 1.1024% | 2,533 |
| Pretax return on assets | 1.1524% | 3,005 |
| Return on Equity (ROE) | 8.4267% | 2,974 |
| Retained earnings to average equity (ytd only) | 3.9386% | 2,997 |
| Net charge-offs to loans | 0.0315% | 2,759 |
| Credit loss provision to net charge-offs | 59.4059% | 3,043 |
| Earnings coverage of net charge-offs (x) | 46.2970% | 1,190 |
| Efficiency ratio | 68.4799% | 2,391 |
| Assets per employee ($millions) | 7.5417% | 847 |
| Cash dividends to net income (ytd only)* | 53.2609% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 2,179 |
| Loan loss allowance to noncurrent loans | 683.9465% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.1816% | 3,744 |
| Noncurrent loans to loans | 0.1826% | 3,800 |
| Net loans and leases to total assets | 76.5804% | 1,317 |
| Net loans and leases to deposits | 89.0137% | 1,698 |
| Net loans and leases to core deposits | 114.7185% | 643 |
| Total domestic deposits to total assets | 86.0322% | 2,055 |
| Equity capital to assets | 12.5424% | 1,794 |
| Core capital (leverage) ratio | 12.6850% | 1,382 |
| Tier 1 risk-based capital ratio | 14.0798% | 3,227 |
| Total risk-based capital ratio | 15.2031% | 3,196 |
| Memoranda: | ||
| Average total assets | $400,565,400 | 1,740 |
| Average earning assets | $366,882,600 | 1,756 |
| Average equity | $52,405,000 | 1,536 |
| Average total loans | $320,145,000 | 1,527 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7272% | 2,333 |
| Cost of funding earning assets | 1.0843% | 1,407 |
| Net interest margin | 3.6429% | 3,120 |
| Noninterest income to average assets | 0.3573% | 3,589 |
| Noninterest expense to average assets | 2.5807% | 3,216 |
| Loan and lease loss provision to assets | 0.0202% | 3,502 |
| Net operating income to assets | 1.0619% | 2,729 |
| Return on assets (ROA) | 1.0619% | 2,810 |
| Pretax return on assets | 1.0940% | 3,310 |
| Return on Equity (ROE) | 8.0284% | 3,294 |
| Retained earnings to average equity (ytd only) | 8.0284% | 1,380 |
| Net charge-offs to loans | -0.0126% | 4,453 |
| Credit loss provision to net charge-offs | -200.0000% | 4,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8447% | 2,138 |
| Assets per employee ($millions) | 7.4062% | 880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3220% | 1,876 |
| Loan loss allowance to noncurrent loans | 338.5726% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.3719% | 3,018 |
| Noncurrent loans to loans | 0.3905% | 3,146 |
| Net loans and leases to total assets | 80.2831% | 811 |
| Net loans and leases to deposits | 98.5644% | 763 |
| Net loans and leases to core deposits | 123.3414% | 426 |
| Total domestic deposits to total assets | 81.4524% | 3,625 |
| Equity capital to assets | 13.8004% | 1,232 |
| Core capital (leverage) ratio | 13.3791% | 1,181 |
| Tier 1 risk-based capital ratio | 16.1237% | 2,379 |
| Total risk-based capital ratio | 17.3744% | 2,322 |
| Memoranda: | ||
| Average total assets | $395,123,000 | 1,769 |
| Average earning assets | $362,012,500 | 1,792 |
| Average equity | $52,263,500 | 1,541 |
| Average total loans | $318,302,250 | 1,548 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6610% | 2,482 |
| Cost of funding earning assets | 1.0407% | 1,531 |
| Net interest margin | 3.6202% | 3,191 |
| Noninterest income to average assets | 0.3429% | 3,646 |
| Noninterest expense to average assets | 2.5758% | 3,262 |
| Loan and lease loss provision to assets | 0.0303% | 3,212 |
| Net operating income to assets | 1.0354% | 2,783 |
| Return on assets (ROA) | 1.0354% | 2,857 |
| Pretax return on assets | 1.0591% | 3,354 |
| Return on Equity (ROE) | 7.9415% | 3,314 |
| Retained earnings to average equity (ytd only) | 7.9415% | 1,424 |
| Net charge-offs to loans | -0.0145% | 4,440 |
| Credit loss provision to net charge-offs | -260.8696% | 4,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2770% | 2,176 |
| Assets per employee ($millions) | 7.0616% | 974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3339% | 1,876 |
| Loan loss allowance to noncurrent loans | 883.6478% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.1777% | 3,871 |
| Noncurrent loans to loans | 0.1510% | 4,007 |
| Net loans and leases to total assets | 80.2757% | 842 |
| Net loans and leases to deposits | 98.8241% | 762 |
| Net loans and leases to core deposits | 126.7572% | 374 |
| Total domestic deposits to total assets | 81.2309% | 3,743 |
| Equity capital to assets | 13.6505% | 1,265 |
| Core capital (leverage) ratio | 12.9225% | 1,340 |
| Tier 1 risk-based capital ratio | 14.9984% | 2,844 |
| Total risk-based capital ratio | 16.2335% | 2,771 |
| Memoranda: | ||
| Average total assets | $395,987,000 | 1,774 |
| Average earning assets | $363,401,000 | 1,786 |
| Average equity | $51,627,670 | 1,547 |
| Average total loans | $317,950,330 | 1,550 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5705% | 2,634 |
| Cost of funding earning assets | 1.0109% | 1,528 |
| Net interest margin | 3.5596% | 3,403 |
| Noninterest income to average assets | 0.2842% | 3,976 |
| Noninterest expense to average assets | 2.6014% | 3,215 |
| Loan and lease loss provision to assets | 0.0300% | 3,016 |
| Net operating income to assets | 0.9275% | 3,131 |
| Return on assets (ROA) | 0.9275% | 3,168 |
| Pretax return on assets | 0.9185% | 3,701 |
| Return on Equity (ROE) | 7.2802% | 3,557 |
| Retained earnings to average equity (ytd only) | 7.2802% | 1,939 |
| Net charge-offs to loans | -0.0125% | 4,317 |
| Credit loss provision to net charge-offs | -300.0000% | 3,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2807% | 1,847 |
| Assets per employee ($millions) | 7.2354% | 900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3239% | 1,982 |
| Loan loss allowance to noncurrent loans | 522.9323% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.2430% | 3,648 |
| Noncurrent loans to loans | 0.2532% | 3,656 |
| Net loans and leases to total assets | 78.1605% | 1,120 |
| Net loans and leases to deposits | 94.1871% | 1,152 |
| Net loans and leases to core deposits | 130.9829% | 298 |
| Total domestic deposits to total assets | 82.9843% | 3,392 |
| Equity capital to assets | 12.9870% | 1,463 |
| Core capital (leverage) ratio | 12.6777% | 1,415 |
| Tier 1 risk-based capital ratio | 14.4158% | 3,138 |
| Total risk-based capital ratio | 15.6182% | 3,091 |
| Memoranda: | ||
| Average total assets | $399,786,500 | 1,770 |
| Average earning assets | $366,785,000 | 1,788 |
| Average equity | $50,933,000 | 1,557 |
| Average total loans | $318,927,500 | 1,563 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5653% | 2,246 |
| Cost of funding earning assets | 0.7253% | 1,928 |
| Net interest margin | 3.8401% | 2,536 |
| Noninterest income to average assets | 0.3934% | 3,476 |
| Noninterest expense to average assets | 2.6495% | 3,181 |
| Loan and lease loss provision to assets | 0.1006% | 2,174 |
| Net operating income to assets | 1.1235% | 2,503 |
| Return on assets (ROA) | 1.1235% | 2,501 |
| Pretax return on assets | 1.1556% | 3,080 |
| Return on Equity (ROE) | 8.8997% | 3,042 |
| Retained earnings to average equity (ytd only) | 4.3893% | 3,129 |
| Net charge-offs to loans | 0.0537% | 2,382 |
| Credit loss provision to net charge-offs | 225.7143% | 1,303 |
| Earnings coverage of net charge-offs (x) | 28.1886% | 1,657 |
| Efficiency ratio | 67.8380% | 2,571 |
| Assets per employee ($millions) | 7.0461% | 956 |
| Cash dividends to net income (ytd only)* | 50.6800% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 2,140 |
| Loan loss allowance to noncurrent loans | 721.1169% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.1847% | 3,884 |
| Noncurrent loans to loans | 0.1776% | 3,959 |
| Net loans and leases to total assets | 79.3057% | 1,051 |
| Net loans and leases to deposits | 96.9790% | 976 |
| Net loans and leases to core deposits | 128.3327% | 349 |
| Total domestic deposits to total assets | 81.7762% | 3,697 |
| Equity capital to assets | 12.4954% | 1,578 |
| Core capital (leverage) ratio | 12.4107% | 1,507 |
| Tier 1 risk-based capital ratio | 13.3598% | 3,626 |
| Total risk-based capital ratio | 14.4936% | 3,584 |
| Memoranda: | ||
| Average total assets | $392,712,000 | 1,749 |
| Average earning assets | $359,184,800 | 1,773 |
| Average equity | $49,574,600 | 1,528 |
| Average total loans | $325,598,200 | 1,497 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4638% | 2,421 |
| Cost of funding earning assets | 0.6651% | 2,065 |
| Net interest margin | 3.7988% | 2,655 |
| Noninterest income to average assets | 0.3933% | 3,523 |
| Noninterest expense to average assets | 2.6541% | 3,113 |
| Loan and lease loss provision to assets | 0.0307% | 3,404 |
| Net operating income to assets | 1.1459% | 2,454 |
| Return on assets (ROA) | 1.1459% | 2,468 |
| Pretax return on assets | 1.1821% | 3,058 |
| Return on Equity (ROE) | 9.0538% | 3,055 |
| Retained earnings to average equity (ytd only) | 9.0538% | 1,193 |
| Net charge-offs to loans | -0.0323% | 4,777 |
| Credit loss provision to net charge-offs | -113.9241% | 4,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6358% | 2,419 |
| Assets per employee ($millions) | 6.9671% | 946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2543% | 2,345 |
| Loan loss allowance to noncurrent loans | 1,707.5314% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.1046% | 4,448 |
| Noncurrent loans to loans | 0.0735% | 4,546 |
| Net loans and leases to total assets | 82.3444% | 653 |
| Net loans and leases to deposits | 103.5452% | 573 |
| Net loans and leases to core deposits | 147.1868% | 150 |
| Total domestic deposits to total assets | 79.5251% | 4,215 |
| Equity capital to assets | 13.1174% | 1,282 |
| Core capital (leverage) ratio | 12.8043% | 1,365 |
| Tier 1 risk-based capital ratio | 13.7780% | 3,473 |
| Total risk-based capital ratio | 14.9068% | 3,457 |
| Memoranda: | ||
| Average total assets | $390,483,000 | 1,764 |
| Average earning assets | $357,054,000 | 1,784 |
| Average equity | $49,422,000 | 1,540 |
| Average total loans | $326,336,250 | 1,496 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2889% | 2,805 |
| Cost of funding earning assets | 0.6062% | 2,187 |
| Net interest margin | 3.6827% | 2,999 |
| Noninterest income to average assets | 0.3630% | 3,728 |
| Noninterest expense to average assets | 2.6237% | 3,248 |
| Loan and lease loss provision to assets | 0.0307% | 3,298 |
| Net operating income to assets | 1.0640% | 2,733 |
| Return on assets (ROA) | 1.0640% | 2,738 |
| Pretax return on assets | 1.0712% | 3,429 |
| Return on Equity (ROE) | 8.5101% | 3,260 |
| Retained earnings to average equity (ytd only) | 8.5101% | 1,404 |
| Net charge-offs to loans | -0.0239% | 4,643 |
| Credit loss provision to net charge-offs | -153.8462% | 4,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4233% | 2,248 |
| Assets per employee ($millions) | 6.9262% | 959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2327% | 2,539 |
| Loan loss allowance to noncurrent loans | 1,204.5045% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.1294% | 4,353 |
| Noncurrent loans to loans | 0.1023% | 4,455 |
| Net loans and leases to total assets | 82.8565% | 601 |
| Net loans and leases to deposits | 102.4692% | 628 |
| Net loans and leases to core deposits | 146.3718% | 145 |
| Total domestic deposits to total assets | 80.8600% | 4,036 |
| Equity capital to assets | 12.8807% | 1,357 |
| Core capital (leverage) ratio | 12.7236% | 1,339 |
| Tier 1 risk-based capital ratio | 13.3155% | 3,724 |
| Total risk-based capital ratio | 14.4168% | 3,727 |
| Memoranda: | ||
| Average total assets | $390,590,670 | 1,765 |
| Average earning assets | $356,641,330 | 1,793 |
| Average equity | $48,836,330 | 1,557 |
| Average total loans | $326,663,000 | 1,493 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1178% | 3,177 |
| Cost of funding earning assets | 0.5724% | 2,238 |
| Net interest margin | 3.5454% | 3,363 |
| Noninterest income to average assets | 0.4103% | 3,394 |
| Noninterest expense to average assets | 2.6646% | 3,148 |
| Loan and lease loss provision to assets | 0.0306% | 3,105 |
| Net operating income to assets | 0.9726% | 2,974 |
| Return on assets (ROA) | 0.9726% | 3,004 |
| Pretax return on assets | 0.9511% | 3,703 |
| Return on Equity (ROE) | 7.8965% | 3,420 |
| Retained earnings to average equity (ytd only) | 7.8965% | 1,880 |
| Net charge-offs to loans | -0.0403% | 4,876 |
| Credit loss provision to net charge-offs | -90.9091% | 3,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0758% | 2,030 |
| Assets per employee ($millions) | 7.2113% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2212% | 2,678 |
| Loan loss allowance to noncurrent loans | 555.1676% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.2273% | 3,963 |
| Noncurrent loans to loans | 0.2200% | 3,988 |
| Net loans and leases to total assets | 82.5672% | 594 |
| Net loans and leases to deposits | 101.9533% | 580 |
| Net loans and leases to core deposits | 149.7904% | 130 |
| Total domestic deposits to total assets | 80.9853% | 4,210 |
| Equity capital to assets | 12.5459% | 1,457 |
| Core capital (leverage) ratio | 12.2401% | 1,502 |
| Tier 1 risk-based capital ratio | 12.8833% | 4,012 |
| Total risk-based capital ratio | 13.9651% | 4,005 |
| Memoranda: | ||
| Average total assets | $391,952,000 | 1,774 |
| Average earning assets | $357,763,500 | 1,794 |
| Average equity | $48,274,500 | 1,574 |
| Average total loans | $327,302,000 | 1,498 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2639% | 2,449 |
| Cost of funding earning assets | 0.4392% | 2,881 |
| Net interest margin | 3.8247% | 2,340 |
| Noninterest income to average assets | 0.4765% | 3,148 |
| Noninterest expense to average assets | 2.6875% | 3,169 |
| Loan and lease loss provision to assets | 0.1149% | 1,979 |
| Net operating income to assets | 0.9061% | 2,680 |
| Return on assets (ROA) | 0.9061% | 2,700 |
| Pretax return on assets | 1.1654% | 2,920 |
| Return on Equity (ROE) | 7.0853% | 3,225 |
| Retained earnings to average equity (ytd only) | 2.1953% | 4,007 |
| Net charge-offs to loans | 0.0455% | 2,875 |
| Credit loss provision to net charge-offs | 302.8169% | 934 |
| Earnings coverage of net charge-offs (x) | 33.7535% | 1,424 |
| Efficiency ratio | 67.7326% | 2,948 |
| Assets per employee ($millions) | 7.1726% | 900 |
| Cash dividends to net income (ytd only)* | 69.0153% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1887% | 2,846 |
| Loan loss allowance to noncurrent loans | 544.8468% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 4,014 |
| Noncurrent loans to loans | 0.2182% | 4,036 |
| Net loans and leases to total assets | 82.4327% | 622 |
| Net loans and leases to deposits | 100.6300% | 681 |
| Net loans and leases to core deposits | 144.0509% | 175 |
| Total domestic deposits to total assets | 81.9166% | 3,891 |
| Equity capital to assets | 12.0899% | 1,768 |
| Core capital (leverage) ratio | 11.9195% | 1,652 |
| Tier 1 risk-based capital ratio | 12.4998% | 4,205 |
| Total risk-based capital ratio | 13.5618% | 4,232 |
| Memoranda: | ||
| Average total assets | $374,362,000 | 1,812 |
| Average earning assets | $341,726,800 | 1,832 |
| Average equity | $47,874,000 | 1,569 |
| Average total loans | $311,940,400 | 1,524 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2775% | 2,328 |
| Cost of funding earning assets | 0.4123% | 3,067 |
| Net interest margin | 3.8651% | 2,166 |
| Noninterest income to average assets | 0.4235% | 3,531 |
| Noninterest expense to average assets | 2.7379% | 2,932 |
| Loan and lease loss provision to assets | 0.1552% | 1,330 |
| Net operating income to assets | 0.9549% | 2,748 |
| Return on assets (ROA) | 0.9549% | 2,812 |
| Pretax return on assets | 1.0632% | 3,447 |
| Return on Equity (ROE) | 7.3595% | 3,464 |
| Retained earnings to average equity (ytd only) | 7.3595% | 1,511 |
| Net charge-offs to loans | 0.0598% | 2,264 |
| Credit loss provision to net charge-offs | 311.5942% | 956 |
| Earnings coverage of net charge-offs (x) | 24.4559% | 1,770 |
| Efficiency ratio | 69.2034% | 2,672 |
| Assets per employee ($millions) | 6.9956% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 2,921 |
| Loan loss allowance to noncurrent loans | 408.7683% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.3579% | 3,597 |
| Noncurrent loans to loans | 0.2942% | 3,885 |
| Net loans and leases to total assets | 83.6045% | 479 |
| Net loans and leases to deposits | 102.8813% | 556 |
| Net loans and leases to core deposits | 149.3174% | 126 |
| Total domestic deposits to total assets | 81.2631% | 3,979 |
| Equity capital to assets | 12.8369% | 1,472 |
| Core capital (leverage) ratio | 12.7838% | 1,300 |
| Tier 1 risk-based capital ratio | 13.2542% | 3,844 |
| Total risk-based capital ratio | 14.3435% | 3,858 |
| Memoranda: | ||
| Average total assets | $369,329,000 | 1,849 |
| Average earning assets | $337,573,500 | 1,865 |
| Average equity | $47,919,000 | 1,587 |
| Average total loans | $307,649,500 | 1,545 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9960% | 3,214 |
| Cost of funding earning assets | 0.3890% | 3,189 |
| Net interest margin | 3.6070% | 3,009 |
| Noninterest income to average assets | 0.3954% | 3,723 |
| Noninterest expense to average assets | 2.7118% | 3,053 |
| Loan and lease loss provision to assets | 0.0659% | 2,653 |
| Net operating income to assets | 0.8529% | 3,144 |
| Return on assets (ROA) | 0.8529% | 3,194 |
| Pretax return on assets | 0.9122% | 3,892 |
| Return on Equity (ROE) | 6.5488% | 3,798 |
| Retained earnings to average equity (ytd only) | 6.5488% | 1,818 |
| Net charge-offs to loans | 0.0259% | 2,698 |
| Credit loss provision to net charge-offs | 307.6923% | 946 |
| Earnings coverage of net charge-offs (x) | 45.6667% | 1,146 |
| Efficiency ratio | 73.4931% | 2,096 |
| Assets per employee ($millions) | 6.5340% | 1,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1896% | 3,085 |
| Loan loss allowance to noncurrent loans | 884.2482% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.2446% | 4,156 |
| Noncurrent loans to loans | 0.1345% | 4,577 |
| Net loans and leases to total assets | 84.1072% | 436 |
| Net loans and leases to deposits | 105.1034% | 439 |
| Net loans and leases to core deposits | 147.9027% | 138 |
| Total domestic deposits to total assets | 80.0233% | 4,403 |
| Equity capital to assets | 13.2049% | 1,277 |
| Core capital (leverage) ratio | 12.7496% | 1,279 |
| Tier 1 risk-based capital ratio | 13.2621% | 3,830 |
| Total risk-based capital ratio | 14.3183% | 3,869 |
| Memoranda: | ||
| Average total assets | $364,185,670 | 1,870 |
| Average earning assets | $332,629,330 | 1,889 |
| Average equity | $47,428,330 | 1,606 |
| Average total loans | $301,668,670 | 1,571 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8840% | 3,449 |
| Cost of funding earning assets | 0.3966% | 3,023 |
| Net interest margin | 3.4874% | 3,316 |
| Noninterest income to average assets | 0.4734% | 3,169 |
| Noninterest expense to average assets | 2.6808% | 3,210 |
| Loan and lease loss provision to assets | 0.0661% | 2,480 |
| Net operating income to assets | 0.8697% | 2,902 |
| Return on assets (ROA) | 0.8697% | 2,956 |
| Pretax return on assets | 0.9116% | 3,724 |
| Return on Equity (ROE) | 6.7257% | 3,531 |
| Retained earnings to average equity (ytd only) | 6.7257% | 1,960 |
| Net charge-offs to loans | -0.0067% | 4,277 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2772% | 2,360 |
| Assets per employee ($millions) | 6.5144% | 1,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2412% | 2,881 |
| Loan loss allowance to noncurrent loans | 681.8854% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.2327% | 4,291 |
| Noncurrent loans to loans | 0.1820% | 4,468 |
| Net loans and leases to total assets | 80.4605% | 773 |
| Net loans and leases to deposits | 95.8721% | 942 |
| Net loans and leases to core deposits | 131.2591% | 248 |
| Total domestic deposits to total assets | 83.9248% | 3,505 |
| Equity capital to assets | 13.0226% | 1,248 |
| Core capital (leverage) ratio | 12.6338% | 1,274 |
| Tier 1 risk-based capital ratio | 13.7533% | 3,631 |
| Total risk-based capital ratio | 14.8620% | 3,625 |
| Memoranda: | ||
| Average total assets | $363,327,500 | 1,885 |
| Average earning assets | $331,819,000 | 1,901 |
| Average equity | $46,984,000 | 1,614 |
| Average total loans | $296,775,500 | 1,594 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9931% | 3,212 |
| Cost of funding earning assets | 0.3730% | 3,286 |
| Net interest margin | 3.6201% | 2,999 |
| Noninterest income to average assets | 0.3287% | 4,387 |
| Noninterest expense to average assets | 2.6342% | 3,574 |
| Loan and lease loss provision to assets | 0.0650% | 3,069 |
| Net operating income to assets | 0.8734% | 2,963 |
| Return on assets (ROA) | 0.8734% | 3,071 |
| Pretax return on assets | 0.9536% | 3,641 |
| Return on Equity (ROE) | 6.9415% | 3,499 |
| Retained earnings to average equity (ytd only) | 1.9516% | 4,427 |
| Net charge-offs to loans | 0.0600% | 2,851 |
| Credit loss provision to net charge-offs | 134.0782% | 2,019 |
| Earnings coverage of net charge-offs (x) | 21.0168% | 1,822 |
| Efficiency ratio | 72.1147% | 2,572 |
| Assets per employee ($millions) | 6.3483% | 1,233 |
| Cash dividends to net income (ytd only)* | 71.8847% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 2,986 |
| Loan loss allowance to noncurrent loans | 631.3589% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 4,329 |
| Noncurrent loans to loans | 0.1937% | 4,463 |
| Net loans and leases to total assets | 80.8938% | 757 |
| Net loans and leases to deposits | 96.5215% | 950 |
| Net loans and leases to core deposits | 135.5865% | 220 |
| Total domestic deposits to total assets | 83.8091% | 3,496 |
| Equity capital to assets | 12.8398% | 1,328 |
| Core capital (leverage) ratio | 12.7170% | 1,246 |
| Tier 1 risk-based capital ratio | 13.6495% | 3,673 |
| Total risk-based capital ratio | 14.7541% | 3,666 |
| Memoranda: | ||
| Average total assets | $369,340,400 | 1,814 |
| Average earning assets | $339,132,000 | 1,831 |
| Average equity | $46,474,000 | 1,626 |
| Average total loans | $298,211,600 | 1,525 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0097% | 3,198 |
| Cost of funding earning assets | 0.3738% | 3,296 |
| Net interest margin | 3.6360% | 2,940 |
| Noninterest income to average assets | 0.3042% | 4,593 |
| Noninterest expense to average assets | 2.6198% | 3,595 |
| Loan and lease loss provision to assets | 0.0647% | 2,938 |
| Net operating income to assets | 0.8785% | 3,017 |
| Return on assets (ROA) | 0.8785% | 3,143 |
| Pretax return on assets | 0.9637% | 3,767 |
| Return on Equity (ROE) | 7.0169% | 3,552 |
| Retained earnings to average equity (ytd only) | 6.6411% | 1,824 |
| Net charge-offs to loans | 0.0835% | 2,132 |
| Credit loss provision to net charge-offs | 96.2567% | 2,435 |
| Earnings coverage of net charge-offs (x) | 15.3100% | 2,185 |
| Efficiency ratio | 71.8125% | 2,602 |
| Assets per employee ($millions) | 6.3043% | 1,231 |
| Cash dividends to net income (ytd only)* | 5.3556% | 3,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2072% | 3,193 |
| Loan loss allowance to noncurrent loans | 404.0909% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.3492% | 4,008 |
| Noncurrent loans to loans | 0.2988% | 4,180 |
| Net loans and leases to total assets | 80.9818% | 761 |
| Net loans and leases to deposits | 98.3464% | 826 |
| Net loans and leases to core deposits | 130.8689% | 287 |
| Total domestic deposits to total assets | 82.3434% | 3,826 |
| Equity capital to assets | 13.3724% | 1,306 |
| Core capital (leverage) ratio | 12.2427% | 1,520 |
| Tier 1 risk-based capital ratio | 14.1382% | 3,486 |
| Total risk-based capital ratio | 15.2254% | 3,493 |
| Memoranda: | ||
| Average total assets | $371,212,750 | 1,806 |
| Average earning assets | $341,393,500 | 1,822 |
| Average equity | $46,477,250 | 1,631 |
| Average total loans | $298,679,750 | 1,524 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9551% | 3,404 |
| Cost of funding earning assets | 0.3720% | 3,343 |
| Net interest margin | 3.5831% | 3,163 |
| Noninterest income to average assets | 0.3108% | 4,554 |
| Noninterest expense to average assets | 2.5626% | 3,848 |
| Loan and lease loss provision to assets | 0.0640% | 2,869 |
| Net operating income to assets | 0.8897% | 2,914 |
| Return on assets (ROA) | 0.8897% | 3,042 |
| Pretax return on assets | 0.9862% | 3,635 |
| Return on Equity (ROE) | 7.2641% | 3,389 |
| Retained earnings to average equity (ytd only) | 6.6939% | 1,766 |
| Net charge-offs to loans | 0.0553% | 2,405 |
| Credit loss provision to net charge-offs | 144.5783% | 1,636 |
| Earnings coverage of net charge-offs (x) | 23.7349% | 1,578 |
| Efficiency ratio | 70.9311% | 2,839 |
| Assets per employee ($millions) | 6.7579% | 970 |
| Cash dividends to net income (ytd only)* | 7.8490% | 3,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1830% | 3,445 |
| Loan loss allowance to noncurrent loans | 392.1569% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.3240% | 4,200 |
| Noncurrent loans to loans | 0.3017% | 4,291 |
| Net loans and leases to total assets | 79.4603% | 994 |
| Net loans and leases to deposits | 96.7834% | 987 |
| Net loans and leases to core deposits | 126.2484% | 367 |
| Total domestic deposits to total assets | 82.1011% | 3,975 |
| Equity capital to assets | 12.5002% | 1,770 |
| Core capital (leverage) ratio | 11.7737% | 1,798 |
| Tier 1 risk-based capital ratio | 13.6699% | 3,788 |
| Total risk-based capital ratio | 14.7528% | 3,811 |
| Memoranda: | ||
| Average total assets | $375,168,670 | 1,787 |
| Average earning assets | $345,730,670 | 1,794 |
| Average equity | $45,952,000 | 1,654 |
| Average total loans | $300,053,000 | 1,520 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9243% | 3,485 |
| Cost of funding earning assets | 0.3756% | 3,348 |
| Net interest margin | 3.5487% | 3,286 |
| Noninterest income to average assets | 0.3031% | 4,561 |
| Noninterest expense to average assets | 2.6215% | 3,684 |
| Loan and lease loss provision to assets | 0.0643% | 2,671 |
| Net operating income to assets | 0.8267% | 3,115 |
| Return on assets (ROA) | 0.8267% | 3,242 |
| Pretax return on assets | 0.8856% | 3,904 |
| Return on Equity (ROE) | 6.8205% | 3,548 |
| Retained earnings to average equity (ytd only) | 6.8205% | 1,968 |
| Net charge-offs to loans | 0.0027% | 3,028 |
| Credit loss provision to net charge-offs | 3,000.0000% | 136 |
| Earnings coverage of net charge-offs (x) | 443.5000% | 132 |
| Efficiency ratio | 73.4033% | 2,573 |
| Assets per employee ($millions) | 7.1231% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2117% | 3,411 |
| Loan loss allowance to noncurrent loans | 778.7097% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.1973% | 4,774 |
| Noncurrent loans to loans | 0.1556% | 4,858 |
| Net loans and leases to total assets | 75.3558% | 1,495 |
| Net loans and leases to deposits | 91.1581% | 1,447 |
| Net loans and leases to core deposits | 117.7032% | 543 |
| Total domestic deposits to total assets | 82.6649% | 4,016 |
| Equity capital to assets | 11.6795% | 2,265 |
| Core capital (leverage) ratio | 11.8089% | 1,741 |
| Tier 1 risk-based capital ratio | 12.9266% | 4,309 |
| Total risk-based capital ratio | 13.9915% | 4,338 |
| Memoranda: | ||
| Average total assets | $373,532,000 | 1,799 |
| Average earning assets | $344,011,500 | 1,812 |
| Average equity | $45,275,000 | 1,668 |
| Average total loans | $297,924,000 | 1,524 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0311% | 3,193 |
| Cost of funding earning assets | 0.3996% | 3,168 |
| Net interest margin | 3.6314% | 3,011 |
| Noninterest income to average assets | 0.3808% | 4,179 |
| Noninterest expense to average assets | 2.6960% | 3,593 |
| Loan and lease loss provision to assets | 0.0523% | 3,268 |
| Net operating income to assets | 0.7412% | 3,614 |
| Return on assets (ROA) | 0.7412% | 3,713 |
| Pretax return on assets | 0.9790% | 3,546 |
| Return on Equity (ROE) | 6.1921% | 3,953 |
| Retained earnings to average equity (ytd only) | 2.3870% | 4,357 |
| Net charge-offs to loans | 0.0235% | 3,791 |
| Credit loss provision to net charge-offs | 276.9231% | 1,050 |
| Earnings coverage of net charge-offs (x) | 54.5846% | 943 |
| Efficiency ratio | 72.3310% | 2,850 |
| Assets per employee ($millions) | 6.4599% | 1,117 |
| Cash dividends to net income (ytd only)* | 61.4510% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 3,489 |
| Loan loss allowance to noncurrent loans | 1,145.6592% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.1827% | 4,876 |
| Noncurrent loans to loans | 0.1047% | 5,081 |
| Net loans and leases to total assets | 82.5916% | 534 |
| Net loans and leases to deposits | 101.5065% | 579 |
| Net loans and leases to core deposits | 142.5936% | 144 |
| Total domestic deposits to total assets | 81.3658% | 4,383 |
| Equity capital to assets | 12.6073% | 1,560 |
| Core capital (leverage) ratio | 11.8936% | 1,687 |
| Tier 1 risk-based capital ratio | 12.9589% | 4,352 |
| Total risk-based capital ratio | 14.0277% | 4,364 |
| Memoranda: | ||
| Average total assets | $344,033,600 | 1,900 |
| Average earning assets | $317,038,400 | 1,908 |
| Average equity | $41,181,600 | 1,759 |
| Average total loans | $277,100,800 | 1,584 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9551% | 3,523 |
| Cost of funding earning assets | 0.3988% | 3,237 |
| Net interest margin | 3.5563% | 3,316 |
| Noninterest income to average assets | 0.3626% | 4,335 |
| Noninterest expense to average assets | 2.5797% | 3,946 |
| Loan and lease loss provision to assets | 0.0469% | 3,268 |
| Net operating income to assets | 0.6787% | 3,998 |
| Return on assets (ROA) | 0.6787% | 4,110 |
| Pretax return on assets | 1.0218% | 3,532 |
| Return on Equity (ROE) | 5.7498% | 4,276 |
| Retained earnings to average equity (ytd only) | 5.7498% | 2,401 |
| Net charge-offs to loans | 0.0318% | 3,289 |
| Credit loss provision to net charge-offs | 184.6154% | 1,436 |
| Earnings coverage of net charge-offs (x) | 42.0792% | 1,193 |
| Efficiency ratio | 70.7079% | 3,094 |
| Assets per employee ($millions) | 6.6644% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 3,754 |
| Loan loss allowance to noncurrent loans | 886.8354% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.3135% | 4,509 |
| Noncurrent loans to loans | 0.1333% | 5,097 |
| Net loans and leases to total assets | 79.8777% | 839 |
| Net loans and leases to deposits | 98.6871% | 756 |
| Net loans and leases to core deposits | 136.1732% | 201 |
| Total domestic deposits to total assets | 80.9403% | 4,491 |
| Equity capital to assets | 12.3590% | 1,823 |
| Core capital (leverage) ratio | 11.9539% | 1,699 |
| Tier 1 risk-based capital ratio | 12.6873% | 4,622 |
| Total risk-based capital ratio | 13.7093% | 4,690 |
| Memoranda: | ||
| Average total assets | $341,218,750 | 1,928 |
| Average earning assets | $315,262,750 | 1,929 |
| Average equity | $40,278,750 | 1,803 |
| Average total loans | $272,124,750 | 1,615 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8034% | 4,054 |
| Cost of funding earning assets | 0.3943% | 3,332 |
| Net interest margin | 3.4091% | 3,879 |
| Noninterest income to average assets | 0.3462% | 4,481 |
| Noninterest expense to average assets | 2.5026% | 4,235 |
| Loan and lease loss provision to assets | 0.0240% | 3,654 |
| Net operating income to assets | 0.6365% | 4,189 |
| Return on assets (ROA) | 0.6365% | 4,298 |
| Pretax return on assets | 0.9838% | 3,651 |
| Return on Equity (ROE) | 5.4864% | 4,381 |
| Retained earnings to average equity (ytd only) | 5.4864% | 2,543 |
| Net charge-offs to loans | 0.0167% | 3,376 |
| Credit loss provision to net charge-offs | 181.8182% | 1,331 |
| Earnings coverage of net charge-offs (x) | 76.2273% | 732 |
| Efficiency ratio | 71.2892% | 3,115 |
| Assets per employee ($millions) | 6.8014% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1468% | 4,096 |
| Loan loss allowance to noncurrent loans | 941.5761% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 4,567 |
| Noncurrent loans to loans | 0.1218% | 5,267 |
| Net loans and leases to total assets | 81.3211% | 631 |
| Net loans and leases to deposits | 99.2460% | 706 |
| Net loans and leases to core deposits | 138.6206% | 174 |
| Total domestic deposits to total assets | 81.9389% | 4,307 |
| Equity capital to assets | 12.1350% | 1,926 |
| Core capital (leverage) ratio | 11.4327% | 2,046 |
| Tier 1 risk-based capital ratio | 12.2886% | 4,942 |
| Total risk-based capital ratio | 13.2834% | 5,027 |
| Memoranda: | ||
| Average total assets | $332,777,330 | 1,997 |
| Average earning assets | $308,880,670 | 1,986 |
| Average equity | $38,604,670 | 1,889 |
| Average total loans | $264,070,000 | 1,664 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4754% | 5,025 |
| Cost of funding earning assets | 0.3905% | 3,403 |
| Net interest margin | 3.0849% | 4,993 |
| Noninterest income to average assets | 0.3245% | 4,590 |
| Noninterest expense to average assets | 2.1551% | 5,259 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6884% | 3,855 |
| Return on assets (ROA) | 0.6884% | 3,979 |
| Pretax return on assets | 1.0636% | 3,247 |
| Return on Equity (ROE) | 6.0973% | 3,981 |
| Retained earnings to average equity (ytd only) | 6.0973% | 2,436 |
| Net charge-offs to loans | -0.0408% | 5,422 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9555% | 3,992 |
| Assets per employee ($millions) | 8.0403% | 534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4305% | 2,781 |
| Loan loss allowance to noncurrent loans | 2,284.8684% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0511% | 5,730 |
| Noncurrent loans to loans | 0.0626% | 5,527 |
| Net loans and leases to total assets | 80.4397% | 640 |
| Net loans and leases to deposits | 100.2757% | 549 |
| Net loans and leases to core deposits | 141.1198% | 148 |
| Total domestic deposits to total assets | 80.2186% | 5,006 |
| Equity capital to assets | 12.1002% | 1,956 |
| Core capital (leverage) ratio | 10.9575% | 2,449 |
| Tier 1 risk-based capital ratio | 12.9594% | 4,623 |
| Total risk-based capital ratio | 14.2094% | 4,540 |
| Memoranda: | ||
| Average total assets | $315,528,500 | 2,109 |
| Average earning assets | $296,021,000 | 2,077 |
| Average equity | $35,622,500 | 2,030 |
| Average total loans | $245,036,500 | 1,776 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6960% | 4,788 |
| Cost of funding earning assets | 0.4292% | 3,389 |
| Net interest margin | 3.2668% | 4,698 |
| Noninterest income to average assets | 0.3033% | 4,945 |
| Noninterest expense to average assets | 2.1766% | 5,398 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8548% | 3,090 |
| Return on assets (ROA) | 0.8548% | 3,190 |
| Pretax return on assets | 1.2031% | 2,639 |
| Return on Equity (ROE) | 7.2726% | 3,479 |
| Retained earnings to average equity (ytd only) | 3.6191% | 3,643 |
| Net charge-offs to loans | 0.0295% | 4,235 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 51.8551% | 904 |
| Efficiency ratio | 64.4016% | 4,534 |
| Assets per employee ($millions) | 9.0153% | 341 |
| Cash dividends to net income (ytd only)* | 50.2360% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3943% | 2,976 |
| Loan loss allowance to noncurrent loans | 2,253.5948% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0459% | 5,852 |
| Noncurrent loans to loans | 0.0619% | 5,632 |
| Net loans and leases to total assets | 73.1043% | 1,737 |
| Net loans and leases to deposits | 87.7607% | 1,762 |
| Net loans and leases to core deposits | 121.3642% | 380 |
| Total domestic deposits to total assets | 83.2996% | 3,979 |
| Equity capital to assets | 10.5670% | 3,401 |
| Core capital (leverage) ratio | 10.8865% | 2,510 |
| Tier 1 risk-based capital ratio | 12.3564% | 5,124 |
| Total risk-based capital ratio | 13.5688% | 5,057 |
| Memoranda: | ||
| Average total assets | $297,390,000 | 2,167 |
| Average earning assets | $280,057,800 | 2,126 |
| Average equity | $34,953,000 | 2,002 |
| Average total loans | $234,269,000 | 1,796 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7640% | 4,667 |
| Cost of funding earning assets | 0.4360% | 3,404 |
| Net interest margin | 3.3280% | 4,514 |
| Noninterest income to average assets | 0.3773% | 4,418 |
| Noninterest expense to average assets | 2.2454% | 5,236 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8943% | 2,938 |
| Return on assets (ROA) | 0.8943% | 3,038 |
| Pretax return on assets | 1.2660% | 2,510 |
| Return on Equity (ROE) | 7.3929% | 3,500 |
| Retained earnings to average equity (ytd only) | 7.3929% | 1,625 |
| Net charge-offs to loans | 0.0208% | 4,112 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 76.0538% | 731 |
| Efficiency ratio | 63.9452% | 4,550 |
| Assets per employee ($millions) | 8.5942% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4379% | 3,003 |
| Loan loss allowance to noncurrent loans | 2,260.3896% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0484% | 5,966 |
| Noncurrent loans to loans | 0.0636% | 5,758 |
| Net loans and leases to total assets | 75.0359% | 1,358 |
| Net loans and leases to deposits | 92.8539% | 1,149 |
| Net loans and leases to core deposits | 133.1477% | 203 |
| Total domestic deposits to total assets | 80.8107% | 4,876 |
| Equity capital to assets | 11.2745% | 2,682 |
| Core capital (leverage) ratio | 12.3879% | 1,465 |
| Tier 1 risk-based capital ratio | 12.8603% | 4,945 |
| Total risk-based capital ratio | 14.0920% | 4,872 |
| Memoranda: | ||
| Average total assets | $288,346,000 | 2,233 |
| Average earning assets | $271,546,500 | 2,199 |
| Average equity | $34,879,250 | 2,011 |
| Average total loans | $231,011,500 | 1,823 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8519% | 4,329 |
| Cost of funding earning assets | 0.4632% | 3,183 |
| Net interest margin | 3.3887% | 4,224 |
| Noninterest income to average assets | 0.4539% | 3,839 |
| Noninterest expense to average assets | 2.2940% | 5,168 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9466% | 2,564 |
| Return on assets (ROA) | 0.9466% | 2,667 |
| Pretax return on assets | 1.3438% | 2,105 |
| Return on Equity (ROE) | 7.6283% | 3,307 |
| Retained earnings to average equity (ytd only) | 7.6283% | 1,468 |
| Net charge-offs to loans | 0.0924% | 2,763 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 17.8190% | 1,712 |
| Efficiency ratio | 63.0602% | 4,848 |
| Assets per employee ($millions) | 7.5799% | 596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4636% | 3,060 |
| Loan loss allowance to noncurrent loans | 1,156.6102% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 5,844 |
| Noncurrent loans to loans | 0.1265% | 5,639 |
| Net loans and leases to total assets | 81.9038% | 476 |
| Net loans and leases to deposits | 100.5318% | 530 |
| Net loans and leases to core deposits | 147.5905% | 109 |
| Total domestic deposits to total assets | 81.4705% | 4,819 |
| Equity capital to assets | 12.5731% | 1,600 |
| Core capital (leverage) ratio | 12.3957% | 1,447 |
| Tier 1 risk-based capital ratio | 13.7932% | 4,394 |
| Total risk-based capital ratio | 15.0440% | 4,342 |
| Memoranda: | ||
| Average total assets | $278,466,670 | 2,308 |
| Average earning assets | $261,636,330 | 2,272 |
| Average equity | $34,555,330 | 2,013 |
| Average total loans | $227,321,000 | 1,846 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8549% | 4,272 |
| Cost of funding earning assets | 0.4744% | 3,182 |
| Net interest margin | 3.3805% | 4,218 |
| Noninterest income to average assets | 0.6040% | 2,712 |
| Noninterest expense to average assets | 2.2489% | 5,330 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0653% | 1,950 |
| Return on assets (ROA) | 1.0653% | 2,019 |
| Pretax return on assets | 1.5295% | 1,340 |
| Return on Equity (ROE) | 8.6428% | 2,624 |
| Retained earnings to average equity (ytd only) | 8.6428% | 1,365 |
| Net charge-offs to loans | -0.0018% | 4,693 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5193% | 5,467 |
| Assets per employee ($millions) | 7.7153% | 561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5817% | 2,782 |
| Loan loss allowance to noncurrent loans | 1,085.8025% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.1167% | 5,897 |
| Noncurrent loans to loans | 0.1457% | 5,651 |
| Net loans and leases to total assets | 78.8108% | 675 |
| Net loans and leases to deposits | 98.1332% | 535 |
| Net loans and leases to core deposits | 145.2824% | 109 |
| Total domestic deposits to total assets | 80.3100% | 5,422 |
| Equity capital to assets | 12.4691% | 1,594 |
| Core capital (leverage) ratio | 12.3212% | 1,467 |
| Tier 1 risk-based capital ratio | 13.8705% | 4,417 |
| Total risk-based capital ratio | 15.1227% | 4,370 |
| Memoranda: | ||
| Average total assets | $277,472,000 | 2,316 |
| Average earning assets | $260,550,500 | 2,283 |
| Average equity | $34,202,000 | 2,024 |
| Average total loans | $224,423,500 | 1,868 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9551% | 4,262 |
| Cost of funding earning assets | 0.5478% | 3,135 |
| Net interest margin | 3.4073% | 4,248 |
| Noninterest income to average assets | 0.2823% | 5,334 |
| Noninterest expense to average assets | 2.2204% | 5,576 |
| Loan and lease loss provision to assets | 0.0338% | 4,442 |
| Net operating income to assets | 0.9492% | 2,569 |
| Return on assets (ROA) | 0.9492% | 2,645 |
| Pretax return on assets | 1.2141% | 2,523 |
| Return on Equity (ROE) | 7.8111% | 3,136 |
| Retained earnings to average equity (ytd only) | 4.2184% | 3,172 |
| Net charge-offs to loans | -0.1113% | 6,500 |
| Credit loss provision to net charge-offs | -37.3494% | 5,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0197% | 4,891 |
| Assets per employee ($millions) | 7.6998% | 549 |
| Cash dividends to net income (ytd only)* | 45.9946% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5532% | 2,949 |
| Loan loss allowance to noncurrent loans | 681.5891% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.1862% | 5,755 |
| Noncurrent loans to loans | 0.2279% | 5,504 |
| Net loans and leases to total assets | 80.4184% | 552 |
| Net loans and leases to deposits | 99.1672% | 523 |
| Net loans and leases to core deposits | 145.3408% | 116 |
| Total domestic deposits to total assets | 81.0937% | 5,146 |
| Equity capital to assets | 12.1832% | 1,695 |
| Core capital (leverage) ratio | 12.4169% | 1,398 |
| Tier 1 risk-based capital ratio | 13.6322% | 4,565 |
| Total risk-based capital ratio | 14.7875% | 4,573 |
| Memoranda: | ||
| Average total assets | $274,857,200 | 2,311 |
| Average earning assets | $257,010,400 | 2,269 |
| Average equity | $33,401,000 | 2,062 |
| Average total loans | $223,767,800 | 1,829 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9444% | 4,334 |
| Cost of funding earning assets | 0.5720% | 3,073 |
| Net interest margin | 3.3724% | 4,390 |
| Noninterest income to average assets | 0.2829% | 5,421 |
| Noninterest expense to average assets | 2.2741% | 5,424 |
| Loan and lease loss provision to assets | 0.0452% | 4,108 |
| Net operating income to assets | 0.8867% | 2,901 |
| Return on assets (ROA) | 0.8867% | 3,017 |
| Pretax return on assets | 1.1137% | 3,052 |
| Return on Equity (ROE) | 7.3013% | 3,487 |
| Retained earnings to average equity (ytd only) | 7.3013% | 1,734 |
| Net charge-offs to loans | -0.1470% | 6,588 |
| Credit loss provision to net charge-offs | -37.8049% | 5,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2419% | 4,439 |
| Assets per employee ($millions) | 7.7008% | 532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5628% | 3,174 |
| Loan loss allowance to noncurrent loans | 183.2117% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.7320% | 4,277 |
| Noncurrent loans to loans | 0.8530% | 4,116 |
| Net loans and leases to total assets | 82.1192% | 362 |
| Net loans and leases to deposits | 101.7763% | 396 |
| Net loans and leases to core deposits | 141.2242% | 118 |
| Total domestic deposits to total assets | 80.6859% | 5,308 |
| Equity capital to assets | 12.6784% | 1,488 |
| Core capital (leverage) ratio | 12.5536% | 1,393 |
| Tier 1 risk-based capital ratio | 13.6936% | 4,634 |
| Total risk-based capital ratio | 14.9493% | 4,586 |
| Memoranda: | ||
| Average total assets | $274,273,000 | 2,320 |
| Average earning assets | $256,187,750 | 2,286 |
| Average equity | $33,308,500 | 2,090 |
| Average total loans | $223,101,750 | 1,835 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9381% | 4,327 |
| Cost of funding earning assets | 0.6077% | 2,872 |
| Net interest margin | 3.3304% | 4,446 |
| Noninterest income to average assets | 0.2755% | 5,477 |
| Noninterest expense to average assets | 2.2410% | 5,521 |
| Loan and lease loss provision to assets | 0.0674% | 3,693 |
| Net operating income to assets | 0.8620% | 2,982 |
| Return on assets (ROA) | 0.8620% | 3,137 |
| Pretax return on assets | 1.0781% | 3,182 |
| Return on Equity (ROE) | 7.2015% | 3,489 |
| Retained earnings to average equity (ytd only) | 7.2015% | 1,790 |
| Net charge-offs to loans | -0.2166% | 6,685 |
| Credit loss provision to net charge-offs | -38.5892% | 5,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1743% | 4,521 |
| Assets per employee ($millions) | 8.0138% | 460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5800% | 3,225 |
| Loan loss allowance to noncurrent loans | 177.5810% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.7454% | 4,346 |
| Noncurrent loans to loans | 0.8897% | 4,147 |
| Net loans and leases to total assets | 80.2223% | 516 |
| Net loans and leases to deposits | 99.3396% | 463 |
| Net loans and leases to core deposits | 137.0339% | 148 |
| Total domestic deposits to total assets | 80.7555% | 5,406 |
| Equity capital to assets | 12.2866% | 1,718 |
| Core capital (leverage) ratio | 12.0143% | 1,607 |
| Tier 1 risk-based capital ratio | 13.6335% | 4,686 |
| Total risk-based capital ratio | 14.8856% | 4,646 |
| Memoranda: | ||
| Average total assets | $275,854,330 | 2,315 |
| Average earning assets | $257,687,330 | 2,283 |
| Average equity | $33,020,670 | 2,108 |
| Average total loans | $222,519,330 | 1,836 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9822% | 4,190 |
| Cost of funding earning assets | 0.6357% | 2,781 |
| Net interest margin | 3.3465% | 4,331 |
| Noninterest income to average assets | 0.2090% | 5,986 |
| Noninterest expense to average assets | 2.1171% | 5,877 |
| Loan and lease loss provision to assets | 0.0807% | 3,300 |
| Net operating income to assets | 0.8993% | 2,658 |
| Return on assets (ROA) | 0.8993% | 2,805 |
| Pretax return on assets | 1.1371% | 2,827 |
| Return on Equity (ROE) | 7.6115% | 3,157 |
| Retained earnings to average equity (ytd only) | 7.6115% | 1,894 |
| Net charge-offs to loans | -0.0790% | 6,343 |
| Credit loss provision to net charge-offs | -127.2727% | 5,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4831% | 5,085 |
| Assets per employee ($millions) | 8.4354% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5017% | 3,822 |
| Loan loss allowance to noncurrent loans | 117.7211% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 1.0192% | 3,888 |
| Noncurrent loans to loans | 1.2756% | 3,641 |
| Net loans and leases to total assets | 77.1677% | 703 |
| Net loans and leases to deposits | 96.0131% | 543 |
| Net loans and leases to core deposits | 138.9751% | 128 |
| Total domestic deposits to total assets | 80.3721% | 5,670 |
| Equity capital to assets | 11.9025% | 2,109 |
| Core capital (leverage) ratio | 11.5636% | 1,838 |
| Tier 1 risk-based capital ratio | 13.6824% | 4,734 |
| Total risk-based capital ratio | 14.9312% | 4,703 |
| Memoranda: | ||
| Average total assets | $277,547,500 | 2,329 |
| Average earning assets | $259,256,000 | 2,294 |
| Average equity | $32,792,500 | 2,135 |
| Average total loans | $222,734,500 | 1,849 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4129% | 3,762 |
| Cost of funding earning assets | 0.8053% | 2,624 |
| Net interest margin | 3.6076% | 4,050 |
| Noninterest income to average assets | 0.2955% | 5,354 |
| Noninterest expense to average assets | 2.1239% | 6,075 |
| Loan and lease loss provision to assets | 0.1623% | 3,584 |
| Net operating income to assets | 1.0925% | 1,963 |
| Return on assets (ROA) | 1.0925% | 2,146 |
| Pretax return on assets | 1.3993% | 2,043 |
| Return on Equity (ROE) | 9.2447% | 2,518 |
| Retained earnings to average equity (ytd only) | 3.6093% | 3,668 |
| Net charge-offs to loans | 0.2304% | 3,553 |
| Credit loss provision to net charge-offs | 83.6893% | 3,704 |
| Earnings coverage of net charge-offs (x) | 8.0544% | 2,481 |
| Efficiency ratio | 57.6302% | 5,880 |
| Assets per employee ($millions) | 9.5423% | 280 |
| Cash dividends to net income (ytd only)* | 60.9580% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3963% | 4,189 |
| Loan loss allowance to noncurrent loans | 111.2864% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 1.0310% | 3,972 |
| Noncurrent loans to loans | 1.2547% | 3,741 |
| Net loans and leases to total assets | 81.0217% | 390 |
| Net loans and leases to deposits | 101.1066% | 369 |
| Net loans and leases to core deposits | 146.6159% | 115 |
| Total domestic deposits to total assets | 80.1349% | 5,627 |
| Equity capital to assets | 11.7271% | 2,244 |
| Core capital (leverage) ratio | 11.5392% | 1,851 |
| Tier 1 risk-based capital ratio | 13.1285% | 5,019 |
| Total risk-based capital ratio | 14.3798% | 4,964 |
| Memoranda: | ||
| Average total assets | $265,638,600 | 2,388 |
| Average earning assets | $249,609,200 | 2,331 |
| Average equity | $31,390,800 | 2,178 |
| Average total loans | $223,493,400 | 1,816 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5038% | 3,621 |
| Cost of funding earning assets | 0.8357% | 2,662 |
| Net interest margin | 3.6681% | 3,927 |
| Noninterest income to average assets | 0.2567% | 5,725 |
| Noninterest expense to average assets | 2.0841% | 6,200 |
| Loan and lease loss provision to assets | 0.1298% | 3,929 |
| Net operating income to assets | 1.0981% | 2,091 |
| Return on assets (ROA) | 1.0981% | 2,296 |
| Pretax return on assets | 1.4958% | 1,893 |
| Return on Equity (ROE) | 9.2740% | 2,682 |
| Retained earnings to average equity (ytd only) | 5.0804% | 3,313 |
| Net charge-offs to loans | 0.0186% | 5,414 |
| Credit loss provision to net charge-offs | 825.8065% | 339 |
| Earnings coverage of net charge-offs (x) | 103.3929% | 410 |
| Efficiency ratio | 56.1799% | 6,034 |
| Assets per employee ($millions) | 9.4898% | 278 |
| Cash dividends to net income (ytd only)* | 45.2194% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5660% | 3,668 |
| Loan loss allowance to noncurrent loans | 204.2204% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.6420% | 5,065 |
| Noncurrent loans to loans | 0.7668% | 4,877 |
| Net loans and leases to total assets | 82.4161% | 313 |
| Net loans and leases to deposits | 103.9962% | 282 |
| Net loans and leases to core deposits | 155.4447% | 94 |
| Total domestic deposits to total assets | 79.2492% | 5,812 |
| Equity capital to assets | 12.0878% | 2,185 |
| Core capital (leverage) ratio | 11.6573% | 1,864 |
| Tier 1 risk-based capital ratio | 12.9419% | 5,298 |
| Total risk-based capital ratio | 14.1954% | 5,261 |
| Memoranda: | ||
| Average total assets | $262,866,750 | 2,430 |
| Average earning assets | $247,459,000 | 2,372 |
| Average equity | $31,125,500 | 2,211 |
| Average total loans | $222,521,000 | 1,837 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5124% | 3,714 |
| Cost of funding earning assets | 0.8596% | 2,731 |
| Net interest margin | 3.6528% | 4,023 |
| Noninterest income to average assets | 0.2306% | 5,923 |
| Noninterest expense to average assets | 2.0747% | 6,278 |
| Loan and lease loss provision to assets | 0.1168% | 4,059 |
| Net operating income to assets | 1.0438% | 2,274 |
| Return on assets (ROA) | 1.0438% | 2,505 |
| Pretax return on assets | 1.4852% | 1,893 |
| Return on Equity (ROE) | 8.8783% | 2,867 |
| Retained earnings to average equity (ytd only) | 2.5199% | 4,926 |
| Net charge-offs to loans | 0.0243% | 5,050 |
| Credit loss provision to net charge-offs | 566.6667% | 551 |
| Earnings coverage of net charge-offs (x) | 77.7037% | 526 |
| Efficiency ratio | 56.4278% | 6,070 |
| Assets per employee ($millions) | 9.4310% | 278 |
| Cash dividends to net income (ytd only)* | 71.6167% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 4,006 |
| Loan loss allowance to noncurrent loans | 197.3761% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.6495% | 5,154 |
| Noncurrent loans to loans | 0.7601% | 4,991 |
| Net loans and leases to total assets | 84.1639% | 205 |
| Net loans and leases to deposits | 106.1609% | 230 |
| Net loans and leases to core deposits | 163.4876% | 82 |
| Total domestic deposits to total assets | 79.2796% | 5,905 |
| Equity capital to assets | 11.8307% | 2,284 |
| Core capital (leverage) ratio | 11.7559% | 1,751 |
| Tier 1 risk-based capital ratio | 12.6870% | 5,425 |
| Total risk-based capital ratio | 13.9393% | 5,401 |
| Memoranda: | ||
| Average total assets | $261,917,330 | 2,439 |
| Average earning assets | $247,098,000 | 2,379 |
| Average equity | $30,794,330 | 2,215 |
| Average total loans | $222,536,000 | 1,823 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5317% | 3,788 |
| Cost of funding earning assets | 0.8946% | 2,732 |
| Net interest margin | 3.6371% | 4,101 |
| Noninterest income to average assets | 0.2392% | 5,915 |
| Noninterest expense to average assets | 2.1270% | 6,212 |
| Loan and lease loss provision to assets | 0.1150% | 3,916 |
| Net operating income to assets | 1.0121% | 2,432 |
| Return on assets (ROA) | 1.0121% | 2,624 |
| Pretax return on assets | 1.4323% | 2,079 |
| Return on Equity (ROE) | 8.6356% | 2,980 |
| Retained earnings to average equity (ytd only) | -4.1739% | 6,517 |
| Net charge-offs to loans | 0.0290% | 4,281 |
| Credit loss provision to net charge-offs | 468.7500% | 683 |
| Earnings coverage of net charge-offs (x) | 63.0625% | 532 |
| Efficiency ratio | 57.8881% | 5,930 |
| Assets per employee ($millions) | 9.6049% | 266 |
| Cash dividends to net income (ytd only)* | 148.3333% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4885% | 4,219 |
| Loan loss allowance to noncurrent loans | 621.3483% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 6,371 |
| Noncurrent loans to loans | 0.2396% | 6,215 |
| Net loans and leases to total assets | 84.6767% | 169 |
| Net loans and leases to deposits | 109.4103% | 146 |
| Net loans and leases to core deposits | 168.6802% | 72 |
| Total domestic deposits to total assets | 77.3938% | 6,347 |
| Equity capital to assets | 11.7456% | 2,223 |
| Core capital (leverage) ratio | 11.5642% | 1,859 |
| Tier 1 risk-based capital ratio | 12.6588% | 5,477 |
| Total risk-based capital ratio | 13.9115% | 5,440 |
| Memoranda: | ||
| Average total assets | $260,842,000 | 2,475 |
| Average earning assets | $246,353,500 | 2,398 |
| Average equity | $30,571,000 | 2,227 |
| Average total loans | $220,986,500 | 1,851 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4580% | 5,225 |
| Cost of funding earning assets | 1.0527% | 2,999 |
| Net interest margin | 3.4053% | 5,467 |
| Noninterest income to average assets | 0.2149% | 5,986 |
| Noninterest expense to average assets | 2.0804% | 6,529 |
| Loan and lease loss provision to assets | 0.1620% | 4,608 |
| Net operating income to assets | 0.8685% | 2,742 |
| Return on assets (ROA) | 0.8685% | 2,884 |
| Pretax return on assets | 1.2232% | 2,377 |
| Return on Equity (ROE) | 7.9722% | 2,918 |
| Retained earnings to average equity (ytd only) | 6.6814% | 1,651 |
| Net charge-offs to loans | 0.0105% | 6,281 |
| Credit loss provision to net charge-offs | 1,878.2609% | 122 |
| Earnings coverage of net charge-offs (x) | 160.6087% | 212 |
| Efficiency ratio | 60.0303% | 5,754 |
| Assets per employee ($millions) | 9.7168% | 256 |
| Cash dividends to net income (ytd only)* | 16.1917% | 3,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4877% | 4,079 |
| Loan loss allowance to noncurrent loans | 578.8632% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.2146% | 6,427 |
| Noncurrent loans to loans | 0.2570% | 6,214 |
| Net loans and leases to total assets | 82.2567% | 323 |
| Net loans and leases to deposits | 103.4649% | 323 |
| Net loans and leases to core deposits | 156.2963% | 117 |
| Total domestic deposits to total assets | 79.5020% | 5,867 |
| Equity capital to assets | 11.6949% | 2,342 |
| Core capital (leverage) ratio | 11.4005% | 1,969 |
| Tier 1 risk-based capital ratio | 13.0381% | 5,038 |
| Total risk-based capital ratio | 14.2911% | 5,011 |
| Memoranda: | ||
| Average total assets | $266,675,800 | 2,365 |
| Average earning assets | $254,577,200 | 2,273 |
| Average equity | $29,051,000 | 2,267 |
| Average total loans | $218,313,000 | 1,884 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4139% | 5,566 |
| Cost of funding earning assets | 1.0951% | 3,010 |
| Net interest margin | 3.3187% | 5,812 |
| Noninterest income to average assets | 0.1663% | 6,400 |
| Noninterest expense to average assets | 2.0570% | 6,579 |
| Loan and lease loss provision to assets | 0.1240% | 4,881 |
| Net operating income to assets | 0.8256% | 3,042 |
| Return on assets (ROA) | 0.8256% | 3,206 |
| Pretax return on assets | 1.1617% | 2,778 |
| Return on Equity (ROE) | 7.7177% | 3,168 |
| Retained earnings to average equity (ytd only) | 5.9722% | 2,575 |
| Net charge-offs to loans | 0.0141% | 5,952 |
| Credit loss provision to net charge-offs | 1,082.6087% | 250 |
| Earnings coverage of net charge-offs (x) | 112.2458% | 318 |
| Efficiency ratio | 61.5373% | 5,486 |
| Assets per employee ($millions) | 10.2654% | 233 |
| Cash dividends to net income (ytd only)* | 22.6177% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3852% | 4,624 |
| Loan loss allowance to noncurrent loans | 583.6812% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.1975% | 6,570 |
| Noncurrent loans to loans | 0.2373% | 6,399 |
| Net loans and leases to total assets | 82.0488% | 352 |
| Net loans and leases to deposits | 104.2969% | 306 |
| Net loans and leases to core deposits | 156.2143% | 122 |
| Total domestic deposits to total assets | 78.6685% | 6,055 |
| Equity capital to assets | 11.1843% | 2,973 |
| Core capital (leverage) ratio | 11.0892% | 2,324 |
| Tier 1 risk-based capital ratio | 12.5301% | 5,465 |
| Total risk-based capital ratio | 13.7823% | 5,450 |
| Memoranda: | ||
| Average total assets | $267,756,500 | 2,368 |
| Average earning assets | $256,275,500 | 2,275 |
| Average equity | $28,643,250 | 2,296 |
| Average total loans | $218,125,750 | 1,895 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3889% | 5,733 |
| Cost of funding earning assets | 1.1541% | 2,875 |
| Net interest margin | 3.2348% | 6,048 |
| Noninterest income to average assets | 0.1306% | 6,668 |
| Noninterest expense to average assets | 2.0303% | 6,728 |
| Loan and lease loss provision to assets | 0.1239% | 4,738 |
| Net operating income to assets | 0.7782% | 3,161 |
| Return on assets (ROA) | 0.7782% | 3,288 |
| Pretax return on assets | 1.0864% | 2,909 |
| Return on Equity (ROE) | 7.3865% | 3,246 |
| Retained earnings to average equity (ytd only) | 4.7308% | 3,175 |
| Net charge-offs to loans | 0.0581% | 5,069 |
| Credit loss provision to net charge-offs | 263.4921% | 1,155 |
| Earnings coverage of net charge-offs (x) | 25.7460% | 1,036 |
| Efficiency ratio | 62.6525% | 5,469 |
| Assets per employee ($millions) | 9.7336% | 259 |
| Cash dividends to net income (ytd only)* | 35.9540% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3789% | 4,685 |
| Loan loss allowance to noncurrent loans | 1,857.2327% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0605% | 6,945 |
| Noncurrent loans to loans | 0.0742% | 6,795 |
| Net loans and leases to total assets | 80.3621% | 502 |
| Net loans and leases to deposits | 101.7523% | 411 |
| Net loans and leases to core deposits | 160.5068% | 122 |
| Total domestic deposits to total assets | 78.9782% | 6,092 |
| Equity capital to assets | 11.0864% | 2,867 |
| Core capital (leverage) ratio | 10.9748% | 2,275 |
| Tier 1 risk-based capital ratio | 12.6735% | 5,199 |
| Total risk-based capital ratio | 13.9252% | 5,167 |
| Memoranda: | ||
| Average total assets | $268,041,670 | 2,385 |
| Average earning assets | $257,698,330 | 2,276 |
| Average equity | $28,240,670 | 2,294 |
| Average total loans | $216,812,670 | 1,929 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2489% | 6,150 |
| Cost of funding earning assets | 1.2203% | 2,681 |
| Net interest margin | 3.0286% | 6,513 |
| Noninterest income to average assets | 0.1020% | 6,903 |
| Noninterest expense to average assets | 1.9966% | 6,832 |
| Loan and lease loss provision to assets | 0.1227% | 4,469 |
| Net operating income to assets | 0.6591% | 3,709 |
| Return on assets (ROA) | 0.6591% | 3,782 |
| Pretax return on assets | 0.8985% | 3,503 |
| Return on Equity (ROE) | 6.4189% | 3,666 |
| Retained earnings to average equity (ytd only) | 6.4189% | 2,411 |
| Net charge-offs to loans | 0.1155% | 3,842 |
| Credit loss provision to net charge-offs | 131.7460% | 2,105 |
| Earnings coverage of net charge-offs (x) | 10.9683% | 1,593 |
| Efficiency ratio | 66.1606% | 5,007 |
| Assets per employee ($millions) | 10.2324% | 224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3192% | 5,038 |
| Loan loss allowance to noncurrent loans | 145.4638% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.7416% | 5,451 |
| Noncurrent loans to loans | 0.9069% | 5,230 |
| Net loans and leases to total assets | 80.6936% | 451 |
| Net loans and leases to deposits | 102.6828% | 361 |
| Net loans and leases to core deposits | 157.9951% | 133 |
| Total domestic deposits to total assets | 78.5853% | 6,277 |
| Equity capital to assets | 10.6607% | 3,026 |
| Core capital (leverage) ratio | 10.4222% | 2,682 |
| Tier 1 risk-based capital ratio | 12.3440% | 5,402 |
| Total risk-based capital ratio | 13.5945% | 5,396 |
| Memoranda: | ||
| Average total assets | $270,658,500 | 2,382 |
| Average earning assets | $260,585,500 | 2,267 |
| Average equity | $27,793,000 | 2,315 |
| Average total loans | $218,143,500 | 1,941 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6797% | 5,864 |
| Cost of funding earning assets | 1.5485% | 2,361 |
| Net interest margin | 3.1311% | 6,437 |
| Noninterest income to average assets | 0.1699% | 6,519 |
| Noninterest expense to average assets | 2.0071% | 7,010 |
| Loan and lease loss provision to assets | 0.1668% | 5,547 |
| Net operating income to assets | 0.7267% | 3,118 |
| Return on assets (ROA) | 0.7267% | 3,245 |
| Pretax return on assets | 1.0000% | 2,932 |
| Return on Equity (ROE) | 7.2930% | 2,985 |
| Retained earnings to average equity (ytd only) | 7.2930% | 1,206 |
| Net charge-offs to loans | 0.0410% | 6,391 |
| Credit loss provision to net charge-offs | 493.2584% | 463 |
| Earnings coverage of net charge-offs (x) | 34.4944% | 656 |
| Efficiency ratio | 63.2379% | 5,474 |
| Assets per employee ($millions) | 10.5875% | 221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3029% | 4,988 |
| Loan loss allowance to noncurrent loans | 2,209.3023% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 7,115 |
| Noncurrent loans to loans | 0.0590% | 6,973 |
| Net loans and leases to total assets | 78.4263% | 882 |
| Net loans and leases to deposits | 98.4625% | 681 |
| Net loans and leases to core deposits | 144.7863% | 194 |
| Total domestic deposits to total assets | 79.6509% | 5,926 |
| Equity capital to assets | 9.8897% | 3,886 |
| Core capital (leverage) ratio | 9.9327% | 3,160 |
| Tier 1 risk-based capital ratio | 11.7239% | 5,704 |
| Total risk-based capital ratio | 12.9538% | 5,728 |
| Memoranda: | ||
| Average total assets | $263,112,400 | 2,425 |
| Average earning assets | $252,431,800 | 2,324 |
| Average equity | $26,217,000 | 2,437 |
| Average total loans | $216,920,000 | 1,991 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7115% | 5,973 |
| Cost of funding earning assets | 1.6033% | 2,368 |
| Net interest margin | 3.1082% | 6,595 |
| Noninterest income to average assets | 0.1476% | 6,805 |
| Noninterest expense to average assets | 2.0302% | 6,993 |
| Loan and lease loss provision to assets | 0.1333% | 5,693 |
| Net operating income to assets | 0.7049% | 3,391 |
| Return on assets (ROA) | 0.7049% | 3,544 |
| Pretax return on assets | 0.9628% | 3,319 |
| Return on Equity (ROE) | 7.0606% | 3,317 |
| Retained earnings to average equity (ytd only) | 7.0606% | 1,809 |
| Net charge-offs to loans | 0.0277% | 6,288 |
| Credit loss provision to net charge-offs | 577.7778% | 501 |
| Earnings coverage of net charge-offs (x) | 47.5100% | 590 |
| Efficiency ratio | 64.9393% | 5,064 |
| Assets per employee ($millions) | 10.6242% | 225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2193% | 5,390 |
| Loan loss allowance to noncurrent loans | 581.3704% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.1758% | 6,916 |
| Noncurrent loans to loans | 0.2097% | 6,761 |
| Net loans and leases to total assets | 82.8091% | 424 |
| Net loans and leases to deposits | 105.1699% | 395 |
| Net loans and leases to core deposits | 169.3299% | 125 |
| Total domestic deposits to total assets | 78.7384% | 6,082 |
| Equity capital to assets | 10.0634% | 4,075 |
| Core capital (leverage) ratio | 10.1470% | 3,103 |
| Tier 1 risk-based capital ratio | 11.3897% | 6,030 |
| Total risk-based capital ratio | 12.5554% | 6,091 |
| Memoranda: | ||
| Average total assets | $260,071,750 | 2,489 |
| Average earning assets | $249,228,750 | 2,382 |
| Average equity | $25,965,250 | 2,501 |
| Average total loans | $216,465,500 | 2,029 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6783% | 6,219 |
| Cost of funding earning assets | 1.6351% | 2,455 |
| Net interest margin | 3.0431% | 6,741 |
| Noninterest income to average assets | 0.1503% | 6,811 |
| Noninterest expense to average assets | 2.0486% | 7,021 |
| Loan and lease loss provision to assets | 0.1278% | 5,604 |
| Net operating income to assets | 0.6607% | 3,581 |
| Return on assets (ROA) | 0.6607% | 3,733 |
| Pretax return on assets | 0.8899% | 3,539 |
| Return on Equity (ROE) | 6.6354% | 3,470 |
| Retained earnings to average equity (ytd only) | 6.6354% | 1,998 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8098% | 4,817 |
| Assets per employee ($millions) | 10.4063% | 227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 5,333 |
| Loan loss allowance to noncurrent loans | 526.6798% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.1945% | 6,909 |
| Noncurrent loans to loans | 0.2324% | 6,772 |
| Net loans and leases to total assets | 82.6701% | 469 |
| Net loans and leases to deposits | 105.9275% | 397 |
| Net loans and leases to core deposits | 168.5248% | 140 |
| Total domestic deposits to total assets | 78.0441% | 6,261 |
| Equity capital to assets | 10.0750% | 3,917 |
| Core capital (leverage) ratio | 10.0548% | 3,111 |
| Tier 1 risk-based capital ratio | 11.2693% | 5,975 |
| Total risk-based capital ratio | 12.4256% | 6,059 |
| Memoranda: | ||
| Average total assets | $258,227,000 | 2,528 |
| Average earning assets | $247,441,330 | 2,419 |
| Average equity | $25,710,670 | 2,515 |
| Average total loans | $214,400,330 | 2,085 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6859% | 6,293 |
| Cost of funding earning assets | 1.7054% | 2,362 |
| Net interest margin | 2.9804% | 6,874 |
| Noninterest income to average assets | 0.1306% | 7,034 |
| Noninterest expense to average assets | 2.0617% | 7,034 |
| Loan and lease loss provision to assets | 0.1291% | 5,279 |
| Net operating income to assets | 0.5877% | 3,950 |
| Return on assets (ROA) | 0.5877% | 4,095 |
| Pretax return on assets | 0.7930% | 3,897 |
| Return on Equity (ROE) | 5.9386% | 3,903 |
| Retained earnings to average equity (ytd only) | 5.9386% | 2,648 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0985% | 4,489 |
| Assets per employee ($millions) | 10.3656% | 240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 5,414 |
| Loan loss allowance to noncurrent loans | 1,806.2937% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0552% | 7,350 |
| Noncurrent loans to loans | 0.0674% | 7,230 |
| Net loans and leases to total assets | 80.8910% | 728 |
| Net loans and leases to deposits | 104.6556% | 490 |
| Net loans and leases to core deposits | 169.6375% | 155 |
| Total domestic deposits to total assets | 77.2926% | 6,496 |
| Equity capital to assets | 9.9217% | 3,954 |
| Core capital (leverage) ratio | 9.9197% | 3,263 |
| Tier 1 risk-based capital ratio | 11.0457% | 6,114 |
| Total risk-based capital ratio | 12.1663% | 6,218 |
| Memoranda: | ||
| Average total assets | $257,261,500 | 2,585 |
| Average earning assets | $246,272,500 | 2,491 |
| Average equity | $25,460,500 | 2,570 |
| Average total loans | $212,731,500 | 2,154 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9511% | 6,580 |
| Cost of funding earning assets | 1.8468% | 3,752 |
| Net interest margin | 3.1043% | 6,354 |
| Noninterest income to average assets | 0.2072% | 6,623 |
| Noninterest expense to average assets | 2.0915% | 7,201 |
| Loan and lease loss provision to assets | 0.2189% | 5,612 |
| Net operating income to assets | 0.6458% | 3,154 |
| Return on assets (ROA) | 0.6458% | 3,211 |
| Pretax return on assets | 0.8647% | 3,033 |
| Return on Equity (ROE) | 6.6008% | 2,952 |
| Retained earnings to average equity (ytd only) | 6.6008% | 1,123 |
| Net charge-offs to loans | 0.0623% | 6,480 |
| Credit loss provision to net charge-offs | 415.2672% | 759 |
| Earnings coverage of net charge-offs (x) | 20.5573% | 1,036 |
| Efficiency ratio | 65.8725% | 5,419 |
| Assets per employee ($millions) | 10.2153% | 247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1723% | 5,526 |
| Loan loss allowance to noncurrent loans | 1,748.2517% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 7,358 |
| Noncurrent loans to loans | 0.0671% | 7,255 |
| Net loans and leases to total assets | 82.5266% | 605 |
| Net loans and leases to deposits | 107.1627% | 494 |
| Net loans and leases to core deposits | 135.8001% | 960 |
| Total domestic deposits to total assets | 77.0106% | 6,474 |
| Equity capital to assets | 9.8714% | 3,921 |
| Core capital (leverage) ratio | 9.8411% | 3,283 |
| Tier 1 risk-based capital ratio | 10.8396% | 6,076 |
| Total risk-based capital ratio | 11.9249% | 6,208 |
| Memoranda: | ||
| Average total assets | $248,524,400 | 2,622 |
| Average earning assets | $237,605,600 | 2,529 |
| Average equity | $24,315,400 | 2,682 |
| Average total loans | $210,385,800 | 2,194 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9672% | 6,708 |
| Cost of funding earning assets | 1.8597% | 4,099 |
| Net interest margin | 3.1075% | 6,297 |
| Noninterest income to average assets | 0.1993% | 6,791 |
| Noninterest expense to average assets | 2.1252% | 7,141 |
| Loan and lease loss provision to assets | 0.1875% | 5,497 |
| Net operating income to assets | 0.6445% | 3,429 |
| Return on assets (ROA) | 0.6445% | 3,495 |
| Pretax return on assets | 0.8600% | 3,356 |
| Return on Equity (ROE) | 6.6024% | 3,258 |
| Retained earnings to average equity (ytd only) | 6.6024% | 1,664 |
| Net charge-offs to loans | 0.0388% | 6,368 |
| Credit loss provision to net charge-offs | 568.8525% | 683 |
| Earnings coverage of net charge-offs (x) | 31.7874% | 894 |
| Efficiency ratio | 66.9845% | 5,189 |
| Assets per employee ($millions) | 10.0002% | 270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 5,508 |
| Loan loss allowance to noncurrent loans | 1,868.5039% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 7,437 |
| Noncurrent loans to loans | 0.0608% | 7,351 |
| Net loans and leases to total assets | 82.6335% | 723 |
| Net loans and leases to deposits | 108.2389% | 547 |
| Net loans and leases to core deposits | 135.3530% | 1,136 |
| Total domestic deposits to total assets | 76.3437% | 6,516 |
| Equity capital to assets | 9.9210% | 4,190 |
| Core capital (leverage) ratio | 9.8909% | 3,413 |
| Tier 1 risk-based capital ratio | 10.9304% | 6,010 |
| Total risk-based capital ratio | 11.9889% | 6,181 |
| Memoranda: | ||
| Average total assets | $246,809,750 | 2,654 |
| Average earning assets | $236,156,750 | 2,558 |
| Average equity | $24,091,750 | 2,737 |
| Average total loans | $209,667,500 | 2,216 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0101% | 6,732 |
| Cost of funding earning assets | 1.8759% | 4,391 |
| Net interest margin | 3.1342% | 6,141 |
| Noninterest income to average assets | 0.2515% | 6,483 |
| Noninterest expense to average assets | 2.2015% | 7,051 |
| Loan and lease loss provision to assets | 0.1904% | 5,138 |
| Net operating income to assets | 0.6413% | 3,497 |
| Return on assets (ROA) | 0.6413% | 3,601 |
| Pretax return on assets | 0.8537% | 3,493 |
| Return on Equity (ROE) | 6.6067% | 3,386 |
| Retained earnings to average equity (ytd only) | 6.6067% | 1,745 |
| Net charge-offs to loans | 0.0581% | 5,686 |
| Credit loss provision to net charge-offs | 383.6066% | 1,208 |
| Earnings coverage of net charge-offs (x) | 21.0328% | 1,282 |
| Efficiency ratio | 67.8285% | 5,187 |
| Assets per employee ($millions) | 8.9558% | 356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0877% | 5,681 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 7,627 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 84.9897% | 508 |
| Net loans and leases to deposits | 112.2159% | 467 |
| Net loans and leases to core deposits | 143.2432% | 873 |
| Total domestic deposits to total assets | 75.7377% | 6,607 |
| Equity capital to assets | 10.0584% | 3,863 |
| Core capital (leverage) ratio | 9.7858% | 3,536 |
| Tier 1 risk-based capital ratio | 10.9471% | 5,933 |
| Total risk-based capital ratio | 11.9766% | 6,101 |
| Memoranda: | ||
| Average total assets | $245,744,670 | 2,686 |
| Average earning assets | $234,765,670 | 2,578 |
| Average equity | $23,854,670 | 2,772 |
| Average total loans | $209,903,000 | 2,245 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9509% | 7,055 |
| Cost of funding earning assets | 1.9164% | 4,549 |
| Net interest margin | 3.0345% | 6,393 |
| Noninterest income to average assets | 0.1986% | 6,873 |
| Noninterest expense to average assets | 2.0766% | 7,176 |
| Loan and lease loss provision to assets | 0.1825% | 4,620 |
| Net operating income to assets | 0.6298% | 3,884 |
| Return on assets (ROA) | 0.6298% | 4,066 |
| Pretax return on assets | 0.8365% | 3,947 |
| Return on Equity (ROE) | 6.6043% | 3,779 |
| Retained earnings to average equity (ytd only) | 6.6043% | 2,377 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0840% | 5,130 |
| Assets per employee ($millions) | 8.9908% | 357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0389% | 5,870 |
| Loan loss allowance to noncurrent loans | 2,558.1395% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0437% | 7,476 |
| Noncurrent loans to loans | 0.0406% | 7,427 |
| Net loans and leases to total assets | 86.3321% | 401 |
| Net loans and leases to deposits | 116.9323% | 359 |
| Net loans and leases to core deposits | 149.8420% | 715 |
| Total domestic deposits to total assets | 73.8308% | 6,917 |
| Equity capital to assets | 9.8356% | 4,200 |
| Core capital (leverage) ratio | 9.5127% | 3,963 |
| Tier 1 risk-based capital ratio | 10.4463% | 6,452 |
| Total risk-based capital ratio | 11.4207% | 6,651 |
| Memoranda: | ||
| Average total assets | $247,713,500 | 2,677 |
| Average earning assets | $236,480,000 | 2,569 |
| Average equity | $23,621,000 | 2,810 |
| Average total loans | $210,969,000 | 2,262 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8497% | 6,266 |
| Cost of funding earning assets | 2.5605% | 3,899 |
| Net interest margin | 3.2892% | 6,078 |
| Noninterest income to average assets | 0.1845% | 7,127 |
| Noninterest expense to average assets | 2.0484% | 7,350 |
| Loan and lease loss provision to assets | 0.1471% | 5,475 |
| Net operating income to assets | 0.7880% | 3,492 |
| Return on assets (ROA) | 0.7880% | 3,329 |
| Pretax return on assets | 1.1237% | 2,936 |
| Return on Equity (ROE) | 8.3675% | 2,907 |
| Retained earnings to average equity (ytd only) | 4.1749% | 2,529 |
| Net charge-offs to loans | 0.0051% | 6,908 |
| Credit loss provision to net charge-offs | 3,540.0000% | 142 |
| Earnings coverage of net charge-offs (x) | 305.8000% | 158 |
| Efficiency ratio | 61.7128% | 6,006 |
| Assets per employee ($millions) | 9.3584% | 313 |
| Cash dividends to net income (ytd only)* | 50.1055% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9930% | 6,123 |
| Loan loss allowance to noncurrent loans | 3,312.6984% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 7,386 |
| Noncurrent loans to loans | 0.0300% | 7,389 |
| Net loans and leases to total assets | 82.3501% | 1,164 |
| Net loans and leases to deposits | 109.6133% | 863 |
| Net loans and leases to core deposits | 129.3179% | 1,906 |
| Total domestic deposits to total assets | 75.1278% | 6,424 |
| Equity capital to assets | 9.2474% | 5,007 |
| Core capital (leverage) ratio | 9.5559% | 3,932 |
| Tier 1 risk-based capital ratio | 10.1228% | 6,608 |
| Total risk-based capital ratio | 11.0385% | 6,858 |
| Memoranda: | ||
| Average total assets | $240,623,400 | 2,651 |
| Average earning assets | $229,329,000 | 2,560 |
| Average equity | $22,659,200 | 2,886 |
| Average total loans | $196,491,400 | 2,334 |