Home > First Community Bank > Performance and Condition Ratios
First Community 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 | 5.2460% | 1,585 |
| Cost of funding earning assets | 0.4899% | 4,203 |
| Net interest margin | 4.7561% | 441 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.9208% | 1,232 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.8546% | 562 |
| Return on assets (ROA) | 1.8394% | 561 |
| Pretax return on assets | 1.8394% | 845 |
| Return on Equity (ROE) | 21.7700% | 473 |
| Retained earnings to average equity (ytd only) | -0.1938% | 4,107 |
| Net charge-offs to loans | 0.0102% | 2,269 |
| Credit loss provision to net charge-offs | 1,156.2500% | 365 |
| Earnings coverage of net charge-offs (x) | 255.7813% | 487 |
| Efficiency ratio | 60.0595% | 3,069 |
| Assets per employee ($millions) | 5.8926% | 2,906 |
| Cash dividends to net income (ytd only)* | 100.8902% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 2,394 |
| Loan loss allowance to noncurrent loans | 248.2554% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.3631% | 1,516 |
| Noncurrent loans to loans | 0.4763% | 1,594 |
| Net loans and leases to total assets | 75.3200% | 1,201 |
| Net loans and leases to deposits | 87.2838% | 1,507 |
| Net loans and leases to core deposits | 93.8164% | 1,785 |
| Total domestic deposits to total assets | 86.2900% | 1,917 |
| Equity capital to assets | 8.7472% | 2,863 |
| Core capital (leverage) ratio | 9.1180% | 3,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3465% | 2,121 |
| Memoranda: | ||
| Average total assets | $421,393,600 | 1,947 |
| Average earning assets | $392,296,800 | 1,942 |
| Average equity | $35,610,800 | 2,029 |
| Average total loans | $314,939,000 | 1,742 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1484% | 1,545 |
| Cost of funding earning assets | 0.3911% | 4,271 |
| Net interest margin | 4.7573% | 430 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.9145% | 1,202 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.8505% | 599 |
| Return on assets (ROA) | 1.8303% | 621 |
| Pretax return on assets | 1.8303% | 963 |
| Return on Equity (ROE) | 21.8500% | 578 |
| Retained earnings to average equity (ytd only) | -3.2989% | 4,375 |
| Net charge-offs to loans | 0.0161% | 1,820 |
| Credit loss provision to net charge-offs | 894.7368% | 430 |
| Earnings coverage of net charge-offs (x) | 163.1316% | 693 |
| Efficiency ratio | 59.8172% | 2,985 |
| Assets per employee ($millions) | 6.0063% | 2,756 |
| Cash dividends to net income (ytd only)* | 115.0992% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1544% | 2,596 |
| Loan loss allowance to noncurrent loans | 77.4093% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 1.1476% | 404 |
| Noncurrent loans to loans | 1.4913% | 491 |
| Net loans and leases to total assets | 76.0700% | 1,113 |
| Net loans and leases to deposits | 85.2781% | 1,630 |
| Net loans and leases to core deposits | 90.6034% | 1,890 |
| Total domestic deposits to total assets | 89.2000% | 1,187 |
| Equity capital to assets | 8.1257% | 2,963 |
| Core capital (leverage) ratio | 8.9425% | 3,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7497% | 2,367 |
| Memoranda: | ||
| Average total assets | $422,148,750 | 1,948 |
| Average earning assets | $394,108,750 | 1,929 |
| Average equity | $35,364,500 | 2,032 |
| Average total loans | $313,951,500 | 1,749 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0779% | 1,408 |
| Cost of funding earning assets | 0.3038% | 4,310 |
| Net interest margin | 4.7741% | 416 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.8217% | 1,373 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.9729% | 489 |
| Return on assets (ROA) | 1.9729% | 488 |
| Pretax return on assets | 1.9729% | 779 |
| Return on Equity (ROE) | 23.3200% | 468 |
| Retained earnings to average equity (ytd only) | -2.6563% | 4,329 |
| Net charge-offs to loans | -0.0264% | 4,200 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.8243% | 3,209 |
| Assets per employee ($millions) | 5.9785% | 2,725 |
| Cash dividends to net income (ytd only)* | 111.3909% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1632% | 2,638 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 74.1900% | 1,267 |
| Net loans and leases to deposits | 85.5094% | 1,539 |
| Net loans and leases to core deposits | 91.0864% | 1,732 |
| Total domestic deposits to total assets | 86.7600% | 2,006 |
| Equity capital to assets | 8.4058% | 2,941 |
| Core capital (leverage) ratio | 9.1677% | 3,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2683% | 2,187 |
| Memoranda: | ||
| Average total assets | $422,717,333 | 1,941 |
| Average earning assets | $395,636,000 | 1,925 |
| Average equity | $35,764,667 | 2,030 |
| Average total loans | $310,753,667 | 1,741 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9115% | 1,387 |
| Cost of funding earning assets | 0.1453% | 4,467 |
| Net interest margin | 4.7662% | 394 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.7032% | 1,660 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 2.0196% | 474 |
| Return on assets (ROA) | 2.0196% | 471 |
| Pretax return on assets | 2.0196% | 749 |
| Return on Equity (ROE) | 23.7900% | 462 |
| Retained earnings to average equity (ytd only) | -3.9381% | 4,287 |
| Net charge-offs to loans | -0.0621% | 4,411 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.2280% | 3,386 |
| Assets per employee ($millions) | 6.0018% | 2,758 |
| Cash dividends to net income (ytd only)* | 116.5501% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1444% | 2,836 |
| Loan loss allowance to noncurrent loans | 5,759.6774% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 3,694 |
| Noncurrent loans to loans | 0.0199% | 3,637 |
| Net loans and leases to total assets | 74.4900% | 1,135 |
| Net loans and leases to deposits | 83.4326% | 1,539 |
| Net loans and leases to core deposits | 85.5661% | 1,893 |
| Total domestic deposits to total assets | 89.2800% | 1,428 |
| Equity capital to assets | 8.7836% | 2,672 |
| Core capital (leverage) ratio | 8.9769% | 3,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3354% | 2,251 |
| Memoranda: | ||
| Average total assets | $424,828,500 | 1,955 |
| Average earning assets | $399,229,500 | 1,939 |
| Average equity | $36,058,000 | 2,039 |
| Average total loans | $309,059,500 | 1,761 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0001% | 1,719 |
| Cost of funding earning assets | 0.0374% | 4,598 |
| Net interest margin | 3.9627% | 835 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.6340% | 1,716 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6054% | 684 |
| Return on assets (ROA) | 1.6054% | 654 |
| Pretax return on assets | 1.6054% | 1,160 |
| Return on Equity (ROE) | 20.5000% | 434 |
| Retained earnings to average equity (ytd only) | 5.1363% | 2,987 |
| Net charge-offs to loans | -0.0116% | 3,879 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.1316% | 2,743 |
| Assets per employee ($millions) | 6.4049% | 2,414 |
| Cash dividends to net income (ytd only)* | 74.9453% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 2,780 |
| Loan loss allowance to noncurrent loans | 5,449.2063% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 3,719 |
| Noncurrent loans to loans | 0.0206% | 3,664 |
| Net loans and leases to total assets | 69.4900% | 1,689 |
| Net loans and leases to deposits | 75.7874% | 2,115 |
| Net loans and leases to core deposits | 76.6935% | 2,374 |
| Total domestic deposits to total assets | 91.6900% | 719 |
| Equity capital to assets | 8.2062% | 2,929 |
| Core capital (leverage) ratio | 8.4423% | 4,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7726% | 2,063 |
| Memoranda: | ||
| Average total assets | $455,462,600 | 1,843 |
| Average earning assets | $430,964,000 | 1,815 |
| Average equity | $35,667,400 | 2,082 |
| Average total loans | $292,045,600 | 1,760 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7131% | 2,004 |
| Cost of funding earning assets | 0.0340% | 4,633 |
| Net interest margin | 3.6791% | 1,189 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 2.5360% | 1,901 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3815% | 1,138 |
| Return on assets (ROA) | 1.3815% | 1,111 |
| Pretax return on assets | 1.3815% | 1,773 |
| Return on Equity (ROE) | 17.8400% | 664 |
| Retained earnings to average equity (ytd only) | 5.1089% | 3,059 |
| Net charge-offs to loans | -0.0102% | 3,721 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.7350% | 2,446 |
| Assets per employee ($millions) | 6.7093% | 2,157 |
| Cash dividends to net income (ytd only)* | 71.3687% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1779% | 2,645 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 61.0900% | 2,393 |
| Net loans and leases to deposits | 66.1337% | 2,707 |
| Net loans and leases to core deposits | 66.9881% | 2,879 |
| Total domestic deposits to total assets | 92.3800% | 753 |
| Equity capital to assets | 7.4542% | 3,248 |
| Core capital (leverage) ratio | 8.1306% | 4,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3464% | 1,922 |
| Memoranda: | ||
| Average total assets | $460,444,500 | 1,834 |
| Average earning assets | $435,892,250 | 1,807 |
| Average equity | $35,649,000 | 2,116 |
| Average total loans | $288,537,750 | 1,774 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5191% | 2,076 |
| Cost of funding earning assets | 0.0356% | 4,672 |
| Net interest margin | 3.4835% | 1,360 |
| Noninterest income to average assets | 0.4172% | 2,649 |
| Noninterest expense to average assets | 2.5310% | 1,832 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1789% | 1,502 |
| Return on assets (ROA) | 1.1789% | 1,477 |
| Pretax return on assets | 1.1789% | 2,136 |
| Return on Equity (ROE) | 15.0353% | 881 |
| Retained earnings to average equity (ytd only) | 2.4036% | 3,644 |
| Net charge-offs to loans | -0.0097% | 3,587 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2225% | 2,208 |
| Assets per employee ($millions) | 6.4955% | 2,322 |
| Cash dividends to net income (ytd only)* | 84.0134% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 2,843 |
| Loan loss allowance to noncurrent loans | 18,961.1111% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 4,018 |
| Noncurrent loans to loans | 0.0062% | 3,950 |
| Net loans and leases to total assets | 64.2632% | 1,883 |
| Net loans and leases to deposits | 69.8193% | 2,223 |
| Net loans and leases to core deposits | 70.8602% | 2,421 |
| Total domestic deposits to total assets | 92.0422% | 817 |
| Equity capital to assets | 7.8174% | 3,251 |
| Core capital (leverage) ratio | 8.1814% | 4,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9743% | 2,071 |
| Memoranda: | ||
| Average total assets | $457,375,333 | 1,851 |
| Average earning assets | $432,329,333 | 1,837 |
| Average equity | $35,862,333 | 2,163 |
| Average total loans | $287,933,333 | 1,762 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3673% | 2,187 |
| Cost of funding earning assets | 0.0385% | 4,667 |
| Net interest margin | 3.3288% | 1,502 |
| Noninterest income to average assets | 0.3940% | 2,728 |
| Noninterest expense to average assets | 2.4426% | 2,039 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0988% | 1,532 |
| Return on assets (ROA) | 1.0988% | 1,526 |
| Pretax return on assets | 1.0988% | 2,150 |
| Return on Equity (ROE) | 13.9931% | 831 |
| Retained earnings to average equity (ytd only) | 0.2095% | 3,978 |
| Net charge-offs to loans | -0.0070% | 3,463 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9731% | 2,376 |
| Assets per employee ($millions) | 6.7774% | 2,166 |
| Cash dividends to net income (ytd only)* | 98.5028% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1866% | 2,928 |
| Loan loss allowance to noncurrent loans | 340,400.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0002% | 4,135 |
| Noncurrent loans to loans | 0.0003% | 4,063 |
| Net loans and leases to total assets | 60.6178% | 2,000 |
| Net loans and leases to deposits | 67.2290% | 2,224 |
| Net loans and leases to core deposits | 68.2091% | 2,437 |
| Total domestic deposits to total assets | 90.1662% | 1,469 |
| Equity capital to assets | 7.5894% | 3,864 |
| Core capital (leverage) ratio | 7.9742% | 4,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9337% | 2,243 |
| Memoranda: | ||
| Average total assets | $461,967,500 | 1,852 |
| Average earning assets | $436,787,500 | 1,835 |
| Average equity | $36,275,000 | 2,205 |
| Average total loans | $286,182,500 | 1,761 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0672% | 1,215 |
| Cost of funding earning assets | 0.0754% | 4,557 |
| Net interest margin | 3.9918% | 722 |
| Noninterest income to average assets | 0.4889% | 2,629 |
| Noninterest expense to average assets | 2.6037% | 1,858 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5979% | 812 |
| Return on assets (ROA) | 1.5979% | 846 |
| Pretax return on assets | 1.5979% | 1,425 |
| Return on Equity (ROE) | 19.1547% | 364 |
| Retained earnings to average equity (ytd only) | 10.4121% | 818 |
| Net charge-offs to loans | -0.0292% | 4,113 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9688% | 2,875 |
| Assets per employee ($millions) | 6.5185% | 2,319 |
| Cash dividends to net income (ytd only)* | 45.6419% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1906% | 2,926 |
| Loan loss allowance to noncurrent loans | 26,146.1538% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 4,157 |
| Noncurrent loans to loans | 0.0046% | 4,087 |
| Net loans and leases to total assets | 61.8216% | 1,963 |
| Net loans and leases to deposits | 68.9915% | 2,223 |
| Net loans and leases to core deposits | 69.9804% | 2,448 |
| Total domestic deposits to total assets | 89.6076% | 1,166 |
| Equity capital to assets | 8.1217% | 4,291 |
| Core capital (leverage) ratio | 8.0449% | 4,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0646% | 2,219 |
| Memoranda: | ||
| Average total assets | $425,046,800 | 1,913 |
| Average earning assets | $395,332,400 | 1,923 |
| Average equity | $35,458,600 | 2,268 |
| Average total loans | $287,572,000 | 1,753 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1252% | 1,246 |
| Cost of funding earning assets | 0.0878% | 4,590 |
| Net interest margin | 4.0374% | 737 |
| Noninterest income to average assets | 0.4806% | 2,709 |
| Noninterest expense to average assets | 2.6156% | 1,794 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6128% | 1,009 |
| Return on assets (ROA) | 1.6128% | 1,045 |
| Pretax return on assets | 1.6128% | 1,656 |
| Return on Equity (ROE) | 19.1941% | 491 |
| Retained earnings to average equity (ytd only) | 12.1584% | 806 |
| Net charge-offs to loans | -0.0157% | 3,864 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8576% | 2,723 |
| Assets per employee ($millions) | 6.7450% | 2,058 |
| Cash dividends to net income (ytd only)* | 36.6554% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 3,187 |
| Loan loss allowance to noncurrent loans | 1,993.4524% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 3,903 |
| Noncurrent loans to loans | 0.0579% | 3,811 |
| Net loans and leases to total assets | 64.3890% | 1,722 |
| Net loans and leases to deposits | 72.1087% | 2,041 |
| Net loans and leases to core deposits | 73.1725% | 2,304 |
| Total domestic deposits to total assets | 89.2944% | 1,123 |
| Equity capital to assets | 8.3025% | 4,344 |
| Core capital (leverage) ratio | 8.2003% | 4,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9898% | 2,368 |
| Memoranda: | ||
| Average total assets | $417,234,750 | 1,956 |
| Average earning assets | $387,305,250 | 1,962 |
| Average equity | $35,058,500 | 2,318 |
| Average total loans | $288,093,000 | 1,779 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1297% | 1,290 |
| Cost of funding earning assets | 0.1081% | 4,518 |
| Net interest margin | 4.0216% | 791 |
| Noninterest income to average assets | 0.4471% | 2,861 |
| Noninterest expense to average assets | 2.6525% | 1,718 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5165% | 1,251 |
| Return on assets (ROA) | 1.5165% | 1,312 |
| Pretax return on assets | 1.5165% | 1,969 |
| Return on Equity (ROE) | 17.9697% | 659 |
| Retained earnings to average equity (ytd only) | 8.6740% | 1,826 |
| Net charge-offs to loans | -0.0146% | 3,843 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6246% | 2,480 |
| Assets per employee ($millions) | 6.2134% | 2,417 |
| Cash dividends to net income (ytd only)* | 51.7297% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 3,311 |
| Loan loss allowance to noncurrent loans | 1,985.7143% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.0398% | 3,988 |
| Noncurrent loans to loans | 0.0567% | 3,897 |
| Net loans and leases to total assets | 69.3612% | 1,279 |
| Net loans and leases to deposits | 77.8155% | 1,650 |
| Net loans and leases to core deposits | 79.0277% | 1,960 |
| Total domestic deposits to total assets | 89.1355% | 1,209 |
| Equity capital to assets | 8.3548% | 4,317 |
| Core capital (leverage) ratio | 8.2822% | 4,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8415% | 2,424 |
| Memoranda: | ||
| Average total assets | $407,923,333 | 1,977 |
| Average earning assets | $377,513,333 | 1,986 |
| Average equity | $34,424,667 | 2,342 |
| Average total loans | $287,461,000 | 1,795 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2010% | 1,204 |
| Cost of funding earning assets | 0.1274% | 4,479 |
| Net interest margin | 4.0736% | 757 |
| Noninterest income to average assets | 0.4313% | 2,926 |
| Noninterest expense to average assets | 2.6648% | 1,702 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5336% | 1,257 |
| Return on assets (ROA) | 1.5336% | 1,317 |
| Pretax return on assets | 1.5336% | 1,901 |
| Return on Equity (ROE) | 18.0775% | 721 |
| Retained earnings to average equity (ytd only) | -0.7532% | 4,435 |
| Net charge-offs to loans | -0.0127% | 3,776 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4721% | 2,534 |
| Assets per employee ($millions) | 5.9385% | 2,657 |
| Cash dividends to net income (ytd only)* | 104.1667% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1399% | 3,250 |
| Loan loss allowance to noncurrent loans | 2,103.7975% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0375% | 4,104 |
| Noncurrent loans to loans | 0.0542% | 4,019 |
| Net loans and leases to total assets | 68.3730% | 1,482 |
| Net loans and leases to deposits | 77.4017% | 1,769 |
| Net loans and leases to core deposits | 78.6207% | 2,128 |
| Total domestic deposits to total assets | 88.3353% | 1,686 |
| Equity capital to assets | 7.9971% | 4,489 |
| Core capital (leverage) ratio | 8.2319% | 4,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4721% | 2,500 |
| Memoranda: | ||
| Average total assets | $400,628,500 | 1,990 |
| Average earning assets | $370,487,000 | 1,998 |
| Average equity | $33,987,000 | 2,349 |
| Average total loans | $282,993,500 | 1,814 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8750% | 630 |
| Cost of funding earning assets | 0.2421% | 4,415 |
| Net interest margin | 4.6329% | 247 |
| Noninterest income to average assets | 0.4836% | 2,705 |
| Noninterest expense to average assets | 3.0665% | 1,296 |
| Loan and lease loss provision to assets | 0.1412% | 2,587 |
| Net operating income to assets | 1.5577% | 699 |
| Return on assets (ROA) | 1.5577% | 765 |
| Pretax return on assets | 1.5577% | 1,173 |
| Return on Equity (ROE) | 17.1205% | 399 |
| Retained earnings to average equity (ytd only) | 7.3462% | 1,260 |
| Net charge-offs to loans | -0.0156% | 4,363 |
| Credit loss provision to net charge-offs | -1,136.3636% | 4,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3488% | 2,764 |
| Assets per employee ($millions) | 5.2004% | 3,159 |
| Cash dividends to net income (ytd only)* | 57.0910% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2082% | 2,899 |
| Loan loss allowance to noncurrent loans | 2,084.9057% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 4,139 |
| Noncurrent loans to loans | 0.0579% | 4,059 |
| Net loans and leases to total assets | 71.4035% | 1,380 |
| Net loans and leases to deposits | 82.1311% | 1,649 |
| Net loans and leases to core deposits | 83.7265% | 2,062 |
| Total domestic deposits to total assets | 86.9385% | 1,968 |
| Equity capital to assets | 9.0236% | 4,029 |
| Core capital (leverage) ratio | 8.5648% | 4,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5076% | 2,445 |
| Memoranda: | ||
| Average total assets | $353,989,600 | 2,030 |
| Average earning assets | $327,159,600 | 2,042 |
| Average equity | $32,207,000 | 2,379 |
| Average total loans | $281,557,400 | 1,767 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7688% | 931 |
| Cost of funding earning assets | 0.2739% | 4,419 |
| Net interest margin | 4.4949% | 382 |
| Noninterest income to average assets | 0.4480% | 2,858 |
| Noninterest expense to average assets | 3.1298% | 1,184 |
| Loan and lease loss provision to assets | 0.1919% | 2,073 |
| Net operating income to assets | 1.2877% | 1,383 |
| Return on assets (ROA) | 1.2877% | 1,490 |
| Pretax return on assets | 1.2877% | 2,106 |
| Return on Equity (ROE) | 14.1219% | 860 |
| Retained earnings to average equity (ytd only) | 5.9272% | 2,133 |
| Net charge-offs to loans | -0.0146% | 4,324 |
| Credit loss provision to net charge-offs | -1,612.9032% | 4,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9011% | 2,208 |
| Assets per employee ($millions) | 5.4292% | 2,772 |
| Cash dividends to net income (ytd only)* | 58.0280% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 3,077 |
| Loan loss allowance to noncurrent loans | 3,978.3133% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 4,355 |
| Noncurrent loans to loans | 0.0283% | 4,293 |
| Net loans and leases to total assets | 74.3070% | 1,335 |
| Net loans and leases to deposits | 84.9546% | 1,813 |
| Net loans and leases to core deposits | 87.0752% | 2,229 |
| Total domestic deposits to total assets | 87.4667% | 1,467 |
| Equity capital to assets | 8.5353% | 4,440 |
| Core capital (leverage) ratio | 8.6277% | 4,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2161% | 2,529 |
| Memoranda: | ||
| Average total assets | $347,580,250 | 2,037 |
| Average earning assets | $321,778,250 | 2,048 |
| Average equity | $31,694,750 | 2,391 |
| Average total loans | $283,351,250 | 1,749 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9605% | 886 |
| Cost of funding earning assets | 0.3095% | 4,445 |
| Net interest margin | 4.6510% | 376 |
| Noninterest income to average assets | 0.4172% | 2,985 |
| Noninterest expense to average assets | 3.2347% | 1,101 |
| Loan and lease loss provision to assets | 0.2161% | 1,929 |
| Net operating income to assets | 1.2793% | 1,412 |
| Return on assets (ROA) | 1.2793% | 1,530 |
| Pretax return on assets | 1.2793% | 2,103 |
| Return on Equity (ROE) | 13.6875% | 941 |
| Retained earnings to average equity (ytd only) | 1.1754% | 4,045 |
| Net charge-offs to loans | 0.0050% | 2,789 |
| Credit loss provision to net charge-offs | 5,142.8571% | 232 |
| Earnings coverage of net charge-offs (x) | 355.8571% | 289 |
| Efficiency ratio | 68.3843% | 2,190 |
| Assets per employee ($millions) | 5.0993% | 3,067 |
| Cash dividends to net income (ytd only)* | 91.4125% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0463% | 3,337 |
| Loan loss allowance to noncurrent loans | 1,928.3951% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0467% | 4,300 |
| Noncurrent loans to loans | 0.0543% | 4,266 |
| Net loans and leases to total assets | 81.6025% | 444 |
| Net loans and leases to deposits | 97.3758% | 702 |
| Net loans and leases to core deposits | 99.8085% | 1,267 |
| Total domestic deposits to total assets | 83.8016% | 2,817 |
| Equity capital to assets | 8.7839% | 4,281 |
| Core capital (leverage) ratio | 9.1290% | 3,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3519% | 2,871 |
| Memoranda: | ||
| Average total assets | $333,139,000 | 2,079 |
| Average earning assets | $308,923,333 | 2,079 |
| Average equity | $31,138,000 | 2,400 |
| Average total loans | $279,878,000 | 1,749 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1058% | 781 |
| Cost of funding earning assets | 0.3767% | 4,438 |
| Net interest margin | 4.7291% | 308 |
| Noninterest income to average assets | 0.4707% | 2,700 |
| Noninterest expense to average assets | 3.3714% | 1,111 |
| Loan and lease loss provision to assets | 0.1506% | 1,893 |
| Net operating income to assets | 1.3606% | 1,080 |
| Return on assets (ROA) | 1.3606% | 1,162 |
| Pretax return on assets | 1.3606% | 1,685 |
| Return on Equity (ROE) | 14.0752% | 685 |
| Retained earnings to average equity (ytd only) | -11.2186% | 4,801 |
| Net charge-offs to loans | 0.1168% | 1,006 |
| Credit loss provision to net charge-offs | 151.8987% | 1,579 |
| Earnings coverage of net charge-offs (x) | 15.2405% | 1,569 |
| Efficiency ratio | 69.0488% | 2,503 |
| Assets per employee ($millions) | 4.7806% | 2,895 |
| Cash dividends to net income (ytd only)* | 179.7048% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 3,665 |
| Loan loss allowance to noncurrent loans | 1,196.5957% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.0744% | 4,230 |
| Noncurrent loans to loans | 0.0842% | 4,175 |
| Net loans and leases to total assets | 84.9497% | 203 |
| Net loans and leases to deposits | 105.3913% | 312 |
| Net loans and leases to core deposits | 108.5621% | 922 |
| Total domestic deposits to total assets | 80.6041% | 3,744 |
| Equity capital to assets | 9.4213% | 4,298 |
| Core capital (leverage) ratio | 9.3992% | 4,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8620% | 3,137 |
| Memoranda: | ||
| Average total assets | $318,684,000 | 2,100 |
| Average earning assets | $297,307,000 | 2,092 |
| Average equity | $30,806,000 | 2,413 |
| Average total loans | $270,534,500 | 1,756 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1268% | 1,157 |
| Cost of funding earning assets | 0.4741% | 4,192 |
| Net interest margin | 4.6527% | 517 |
| Noninterest income to average assets | 0.5637% | 2,402 |
| Noninterest expense to average assets | 3.3069% | 1,282 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6132% | 809 |
| Return on assets (ROA) | 1.6132% | 871 |
| Pretax return on assets | 1.6132% | 1,448 |
| Return on Equity (ROE) | 16.5900% | 466 |
| Retained earnings to average equity (ytd only) | 4.1401% | 2,892 |
| Net charge-offs to loans | 0.0126% | 3,237 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 152.6364% | 488 |
| Efficiency ratio | 67.2113% | 2,578 |
| Assets per employee ($millions) | 4.6610% | 3,006 |
| Cash dividends to net income (ytd only)* | 75.0447% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0572% | 3,179 |
| Loan loss allowance to noncurrent loans | 979.1519% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.0929% | 4,162 |
| Noncurrent loans to loans | 0.1080% | 4,096 |
| Net loans and leases to total assets | 83.0424% | 423 |
| Net loans and leases to deposits | 97.5577% | 792 |
| Net loans and leases to core deposits | 100.8886% | 1,492 |
| Total domestic deposits to total assets | 85.1212% | 2,446 |
| Equity capital to assets | 9.9221% | 3,989 |
| Core capital (leverage) ratio | 9.9101% | 3,611 |
| Tier 1 risk-based capital ratio | 11.9212% | 4,409 |
| Total risk-based capital ratio | 12.9967% | 4,379 |
| Memoranda: | ||
| Average total assets | $312,228,200 | 2,092 |
| Average earning assets | $292,343,600 | 2,076 |
| Average equity | $30,361,600 | 2,370 |
| Average total loans | $262,890,400 | 1,761 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1416% | 1,173 |
| Cost of funding earning assets | 0.5001% | 4,143 |
| Net interest margin | 4.6416% | 560 |
| Noninterest income to average assets | 0.5547% | 2,437 |
| Noninterest expense to average assets | 3.2895% | 1,293 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6134% | 901 |
| Return on assets (ROA) | 1.6134% | 938 |
| Pretax return on assets | 1.6134% | 1,590 |
| Return on Equity (ROE) | 16.6763% | 521 |
| Retained earnings to average equity (ytd only) | 6.3165% | 2,214 |
| Net charge-offs to loans | -0.2098% | 5,118 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0935% | 2,570 |
| Assets per employee ($millions) | 4.7392% | 2,864 |
| Cash dividends to net income (ytd only)* | 62.1229% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 2,299 |
| Loan loss allowance to noncurrent loans | 3,575.5556% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0841% | 4,296 |
| Noncurrent loans to loans | 0.0346% | 4,509 |
| Net loans and leases to total assets | 80.8528% | 724 |
| Net loans and leases to deposits | 91.4845% | 1,505 |
| Net loans and leases to core deposits | 94.5390% | 2,130 |
| Total domestic deposits to total assets | 88.3787% | 885 |
| Equity capital to assets | 9.8489% | 4,160 |
| Core capital (leverage) ratio | 9.9602% | 3,681 |
| Tier 1 risk-based capital ratio | 12.0085% | 4,412 |
| Total risk-based capital ratio | 13.2585% | 4,302 |
| Memoranda: | ||
| Average total assets | $312,214,250 | 2,099 |
| Average earning assets | $292,480,250 | 2,087 |
| Average equity | $30,205,750 | 2,393 |
| Average total loans | $263,088,250 | 1,771 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1080% | 1,197 |
| Cost of funding earning assets | 0.5475% | 3,889 |
| Net interest margin | 4.5605% | 671 |
| Noninterest income to average assets | 0.5135% | 2,600 |
| Noninterest expense to average assets | 3.2908% | 1,301 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5107% | 1,119 |
| Return on assets (ROA) | 1.5107% | 1,168 |
| Pretax return on assets | 1.5107% | 1,824 |
| Return on Equity (ROE) | 15.7119% | 636 |
| Retained earnings to average equity (ytd only) | 6.6801% | 1,963 |
| Net charge-offs to loans | -0.3173% | 5,190 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5362% | 2,441 |
| Assets per employee ($millions) | 4.3910% | 3,297 |
| Cash dividends to net income (ytd only)* | 57.4840% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 2,439 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1434% | 4,048 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 84.0164% | 360 |
| Net loans and leases to deposits | 102.5986% | 508 |
| Net loans and leases to core deposits | 114.2284% | 771 |
| Total domestic deposits to total assets | 81.8885% | 3,546 |
| Equity capital to assets | 9.8487% | 4,096 |
| Core capital (leverage) ratio | 9.8879% | 3,716 |
| Tier 1 risk-based capital ratio | 11.7342% | 4,551 |
| Total risk-based capital ratio | 12.9760% | 4,461 |
| Memoranda: | ||
| Average total assets | $310,442,670 | 2,113 |
| Average earning assets | $291,895,330 | 2,088 |
| Average equity | $29,850,000 | 2,407 |
| Average total loans | $264,134,670 | 1,771 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0417% | 1,231 |
| Cost of funding earning assets | 0.5268% | 3,936 |
| Net interest margin | 4.5149% | 719 |
| Noninterest income to average assets | 0.4790% | 2,682 |
| Noninterest expense to average assets | 3.3120% | 1,261 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4165% | 1,333 |
| Return on assets (ROA) | 1.4165% | 1,362 |
| Pretax return on assets | 1.4165% | 2,028 |
| Return on Equity (ROE) | 14.9135% | 762 |
| Retained earnings to average equity (ytd only) | 5.5331% | 2,683 |
| Net charge-offs to loans | -0.0334% | 4,689 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0437% | 2,332 |
| Assets per employee ($millions) | 4.3284% | 3,453 |
| Cash dividends to net income (ytd only)* | 62.8988% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0702% | 3,293 |
| Loan loss allowance to noncurrent loans | 3,364.2857% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.1796% | 3,917 |
| Noncurrent loans to loans | 0.0318% | 4,631 |
| Net loans and leases to total assets | 85.0030% | 278 |
| Net loans and leases to deposits | 99.2753% | 682 |
| Net loans and leases to core deposits | 113.8250% | 750 |
| Total domestic deposits to total assets | 85.6235% | 2,435 |
| Equity capital to assets | 9.6702% | 4,114 |
| Core capital (leverage) ratio | 9.6910% | 3,928 |
| Tier 1 risk-based capital ratio | 11.5897% | 4,698 |
| Total risk-based capital ratio | 12.6864% | 4,678 |
| Memoranda: | ||
| Average total assets | $309,785,000 | 2,124 |
| Average earning assets | $291,567,500 | 2,100 |
| Average equity | $29,423,000 | 2,443 |
| Average total loans | $263,626,500 | 1,788 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0001% | 1,043 |
| Cost of funding earning assets | 0.3637% | 4,197 |
| Net interest margin | 4.6364% | 560 |
| Noninterest income to average assets | 0.5979% | 2,304 |
| Noninterest expense to average assets | 3.3870% | 1,175 |
| Loan and lease loss provision to assets | 0.1466% | 1,453 |
| Net operating income to assets | 1.4165% | 1,376 |
| Return on assets (ROA) | 1.4165% | 1,369 |
| Pretax return on assets | 1.4165% | 2,081 |
| Return on Equity (ROE) | 15.0893% | 807 |
| Retained earnings to average equity (ytd only) | 5.2332% | 2,641 |
| Net charge-offs to loans | 0.0876% | 1,901 |
| Credit loss provision to net charge-offs | 198.1982% | 1,456 |
| Earnings coverage of net charge-offs (x) | 21.1396% | 1,960 |
| Efficiency ratio | 68.4228% | 2,482 |
| Assets per employee ($millions) | 4.5254% | 3,128 |
| Cash dividends to net income (ytd only)* | 65.3186% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0653% | 3,297 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 3,911 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 83.3922% | 472 |
| Net loans and leases to deposits | 98.0274% | 900 |
| Net loans and leases to core deposits | 111.4446% | 910 |
| Total domestic deposits to total assets | 85.0703% | 2,616 |
| Equity capital to assets | 9.3282% | 4,293 |
| Core capital (leverage) ratio | 9.5780% | 4,032 |
| Tier 1 risk-based capital ratio | 11.6116% | 4,660 |
| Total risk-based capital ratio | 12.7169% | 4,645 |
| Memoranda: | ||
| Average total assets | $300,236,800 | 2,158 |
| Average earning assets | $281,833,200 | 2,121 |
| Average equity | $28,185,600 | 2,446 |
| Average total loans | $253,548,800 | 1,806 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9682% | 997 |
| Cost of funding earning assets | 0.3229% | 4,365 |
| Net interest margin | 4.6453% | 535 |
| Noninterest income to average assets | 0.5993% | 2,312 |
| Noninterest expense to average assets | 3.4083% | 1,105 |
| Loan and lease loss provision to assets | 0.1615% | 1,192 |
| Net operating income to assets | 1.3915% | 1,519 |
| Return on assets (ROA) | 1.3915% | 1,517 |
| Pretax return on assets | 1.3915% | 2,260 |
| Return on Equity (ROE) | 14.7975% | 921 |
| Retained earnings to average equity (ytd only) | 5.0708% | 3,196 |
| Net charge-offs to loans | 0.1115% | 1,381 |
| Credit loss provision to net charge-offs | 171.4286% | 1,555 |
| Earnings coverage of net charge-offs (x) | 16.4859% | 2,162 |
| Efficiency ratio | 68.6980% | 2,406 |
| Assets per employee ($millions) | 4.2885% | 3,446 |
| Cash dividends to net income (ytd only)* | 65.7318% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0419% | 3,517 |
| Loan loss allowance to noncurrent loans | 2,011.7647% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.2163% | 3,861 |
| Noncurrent loans to loans | 0.0518% | 4,662 |
| Net loans and leases to total assets | 84.1589% | 437 |
| Net loans and leases to deposits | 102.4333% | 621 |
| Net loans and leases to core deposits | 107.7506% | 1,184 |
| Total domestic deposits to total assets | 82.1597% | 3,564 |
| Equity capital to assets | 9.2408% | 4,334 |
| Core capital (leverage) ratio | 9.6115% | 4,043 |
| Tier 1 risk-based capital ratio | 11.4572% | 4,817 |
| Total risk-based capital ratio | 12.5365% | 4,802 |
| Memoranda: | ||
| Average total assets | $297,232,000 | 2,181 |
| Average earning assets | $279,100,750 | 2,150 |
| Average equity | $27,950,000 | 2,459 |
| Average total loans | $251,135,750 | 1,820 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8928% | 1,040 |
| Cost of funding earning assets | 0.3331% | 4,181 |
| Net interest margin | 4.5597% | 607 |
| Noninterest income to average assets | 0.5379% | 2,651 |
| Noninterest expense to average assets | 3.3730% | 1,172 |
| Loan and lease loss provision to assets | 0.1636% | 1,132 |
| Net operating income to assets | 1.2755% | 1,878 |
| Return on assets (ROA) | 1.2755% | 1,881 |
| Pretax return on assets | 1.2755% | 2,610 |
| Return on Equity (ROE) | 13.4819% | 1,211 |
| Retained earnings to average equity (ytd only) | 3.5740% | 3,812 |
| Net charge-offs to loans | 0.0558% | 1,807 |
| Credit loss provision to net charge-offs | 347.8261% | 907 |
| Earnings coverage of net charge-offs (x) | 30.5942% | 1,485 |
| Efficiency ratio | 70.0949% | 2,297 |
| Assets per employee ($millions) | 4.0377% | 3,836 |
| Cash dividends to net income (ytd only)* | 73.4901% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0666% | 3,455 |
| Loan loss allowance to noncurrent loans | 400.7267% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.3976% | 3,149 |
| Noncurrent loans to loans | 0.2662% | 3,756 |
| Net loans and leases to total assets | 83.3324% | 538 |
| Net loans and leases to deposits | 101.4307% | 702 |
| Net loans and leases to core deposits | 113.3884% | 819 |
| Total domestic deposits to total assets | 82.1570% | 3,665 |
| Equity capital to assets | 9.1389% | 4,444 |
| Core capital (leverage) ratio | 9.6274% | 3,968 |
| Tier 1 risk-based capital ratio | 11.3486% | 4,870 |
| Total risk-based capital ratio | 12.4472% | 4,852 |
| Memoranda: | ||
| Average total assets | $293,385,330 | 2,210 |
| Average earning assets | $275,016,330 | 2,190 |
| Average equity | $27,755,670 | 2,484 |
| Average total loans | $247,316,000 | 1,852 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8001% | 1,082 |
| Cost of funding earning assets | 0.2874% | 4,438 |
| Net interest margin | 4.5126% | 600 |
| Noninterest income to average assets | 0.5024% | 2,784 |
| Noninterest expense to average assets | 3.4970% | 1,007 |
| Loan and lease loss provision to assets | 0.1675% | 1,061 |
| Net operating income to assets | 1.0661% | 2,582 |
| Return on assets (ROA) | 1.0661% | 2,593 |
| Pretax return on assets | 1.0661% | 3,295 |
| Return on Equity (ROE) | 11.0679% | 1,943 |
| Retained earnings to average equity (ytd only) | -2.2165% | 5,029 |
| Net charge-offs to loans | 0.1406% | 972 |
| Credit loss provision to net charge-offs | 141.1765% | 1,267 |
| Earnings coverage of net charge-offs (x) | 10.4000% | 1,901 |
| Efficiency ratio | 73.9233% | 1,908 |
| Assets per employee ($millions) | 4.0185% | 3,945 |
| Cash dividends to net income (ytd only)* | 120.0262% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0822% | 3,493 |
| Loan loss allowance to noncurrent loans | 451.8966% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.4879% | 2,903 |
| Noncurrent loans to loans | 0.2395% | 3,914 |
| Net loans and leases to total assets | 83.9681% | 441 |
| Net loans and leases to deposits | 98.8093% | 803 |
| Net loans and leases to core deposits | 107.5834% | 1,152 |
| Total domestic deposits to total assets | 84.9800% | 2,935 |
| Equity capital to assets | 9.6196% | 3,975 |
| Core capital (leverage) ratio | 9.7820% | 3,775 |
| Tier 1 risk-based capital ratio | 11.8656% | 4,635 |
| Total risk-based capital ratio | 12.9831% | 4,606 |
| Memoranda: | ||
| Average total assets | $286,645,500 | 2,267 |
| Average earning assets | $268,580,500 | 2,241 |
| Average equity | $27,611,500 | 2,517 |
| Average total loans | $241,736,500 | 1,889 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9479% | 713 |
| Cost of funding earning assets | 0.2075% | 4,887 |
| Net interest margin | 4.7404% | 394 |
| Noninterest income to average assets | 0.6671% | 2,106 |
| Noninterest expense to average assets | 3.4849% | 1,061 |
| Loan and lease loss provision to assets | 0.0865% | 2,459 |
| Net operating income to assets | 1.5113% | 781 |
| Return on assets (ROA) | 1.5113% | 793 |
| Pretax return on assets | 1.5113% | 1,593 |
| Return on Equity (ROE) | 14.9414% | 615 |
| Retained earnings to average equity (ytd only) | -0.7023% | 5,144 |
| Net charge-offs to loans | 0.0434% | 2,925 |
| Credit loss provision to net charge-offs | 237.6238% | 1,166 |
| Earnings coverage of net charge-offs (x) | 43.8713% | 1,191 |
| Efficiency ratio | 68.5633% | 2,782 |
| Assets per employee ($millions) | 4.1140% | 3,790 |
| Cash dividends to net income (ytd only)* | 104.7005% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0718% | 3,496 |
| Loan loss allowance to noncurrent loans | 342.0635% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 2,949 |
| Noncurrent loans to loans | 0.3133% | 3,659 |
| Net loans and leases to total assets | 82.8862% | 576 |
| Net loans and leases to deposits | 98.6898% | 848 |
| Net loans and leases to core deposits | 105.9215% | 1,268 |
| Total domestic deposits to total assets | 83.9866% | 3,214 |
| Equity capital to assets | 9.6455% | 4,091 |
| Core capital (leverage) ratio | 9.9104% | 3,569 |
| Tier 1 risk-based capital ratio | 11.9267% | 4,582 |
| Total risk-based capital ratio | 13.0289% | 4,556 |
| Memoranda: | ||
| Average total assets | $277,310,200 | 2,304 |
| Average earning assets | $258,309,400 | 2,289 |
| Average equity | $28,049,600 | 2,487 |
| Average total loans | $232,897,600 | 1,920 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9454% | 685 |
| Cost of funding earning assets | 0.2030% | 4,955 |
| Net interest margin | 4.7424% | 380 |
| Noninterest income to average assets | 0.6627% | 2,153 |
| Noninterest expense to average assets | 3.3978% | 1,162 |
| Loan and lease loss provision to assets | 0.0874% | 2,336 |
| Net operating income to assets | 1.5894% | 739 |
| Return on assets (ROA) | 1.5894% | 756 |
| Pretax return on assets | 1.5894% | 1,461 |
| Return on Equity (ROE) | 15.5248% | 588 |
| Retained earnings to average equity (ytd only) | 0.4505% | 5,118 |
| Net charge-offs to loans | 0.0318% | 2,799 |
| Credit loss provision to net charge-offs | 327.2727% | 920 |
| Earnings coverage of net charge-offs (x) | 62.8013% | 963 |
| Efficiency ratio | 66.9569% | 3,055 |
| Assets per employee ($millions) | 4.1050% | 3,817 |
| Cash dividends to net income (ytd only)* | 97.0984% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 3,586 |
| Loan loss allowance to noncurrent loans | 535.8333% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.3944% | 3,451 |
| Noncurrent loans to loans | 0.2021% | 4,273 |
| Net loans and leases to total assets | 82.9240% | 553 |
| Net loans and leases to deposits | 94.9159% | 1,207 |
| Net loans and leases to core deposits | 99.3394% | 1,766 |
| Total domestic deposits to total assets | 87.3658% | 1,690 |
| Equity capital to assets | 9.9800% | 3,929 |
| Core capital (leverage) ratio | 10.1034% | 3,440 |
| Tier 1 risk-based capital ratio | 12.0799% | 4,556 |
| Total risk-based capital ratio | 13.1787% | 4,556 |
| Memoranda: | ||
| Average total assets | $274,643,250 | 2,333 |
| Average earning assets | $255,502,000 | 2,327 |
| Average equity | $28,117,750 | 2,499 |
| Average total loans | $230,802,000 | 1,941 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9189% | 665 |
| Cost of funding earning assets | 0.2118% | 4,869 |
| Net interest margin | 4.7070% | 389 |
| Noninterest income to average assets | 0.6366% | 2,279 |
| Noninterest expense to average assets | 3.4109% | 1,146 |
| Loan and lease loss provision to assets | 0.0883% | 2,217 |
| Net operating income to assets | 1.5196% | 832 |
| Return on assets (ROA) | 1.5196% | 853 |
| Pretax return on assets | 1.5196% | 1,567 |
| Return on Equity (ROE) | 14.7144% | 704 |
| Retained earnings to average equity (ytd only) | -0.0214% | 5,081 |
| Net charge-offs to loans | -0.0105% | 4,555 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9619% | 3,022 |
| Assets per employee ($millions) | 3.9399% | 4,064 |
| Cash dividends to net income (ytd only)* | 100.1453% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 3,641 |
| Loan loss allowance to noncurrent loans | 458.0817% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.4007% | 3,497 |
| Noncurrent loans to loans | 0.2380% | 4,176 |
| Net loans and leases to total assets | 83.6571% | 480 |
| Net loans and leases to deposits | 100.4869% | 703 |
| Net loans and leases to core deposits | 108.7891% | 1,066 |
| Total domestic deposits to total assets | 83.2517% | 3,483 |
| Equity capital to assets | 10.0876% | 3,811 |
| Core capital (leverage) ratio | 10.2505% | 3,203 |
| Tier 1 risk-based capital ratio | 12.1011% | 4,568 |
| Total risk-based capital ratio | 13.2087% | 4,549 |
| Memoranda: | ||
| Average total assets | $271,775,670 | 2,360 |
| Average earning assets | $253,025,000 | 2,358 |
| Average equity | $28,067,670 | 2,501 |
| Average total loans | $228,585,670 | 1,953 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8797% | 653 |
| Cost of funding earning assets | 0.1944% | 5,029 |
| Net interest margin | 4.6853% | 380 |
| Noninterest income to average assets | 0.6244% | 2,297 |
| Noninterest expense to average assets | 3.4653% | 1,092 |
| Loan and lease loss provision to assets | 0.0896% | 2,049 |
| Net operating income to assets | 1.4250% | 945 |
| Return on assets (ROA) | 1.4250% | 970 |
| Pretax return on assets | 1.4250% | 1,788 |
| Return on Equity (ROE) | 13.6322% | 875 |
| Retained earnings to average equity (ytd only) | -2.2863% | 5,197 |
| Net charge-offs to loans | -0.0125% | 4,515 |
| Credit loss provision to net charge-offs | -857.1429% | 4,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5861% | 2,958 |
| Assets per employee ($millions) | 3.8334% | 4,292 |
| Cash dividends to net income (ytd only)* | 116.7715% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1019% | 3,707 |
| Loan loss allowance to noncurrent loans | 435.8752% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.4170% | 3,515 |
| Noncurrent loans to loans | 0.2528% | 4,207 |
| Net loans and leases to total assets | 82.9348% | 469 |
| Net loans and leases to deposits | 99.9588% | 619 |
| Net loans and leases to core deposits | 105.5751% | 1,133 |
| Total domestic deposits to total assets | 82.9690% | 3,853 |
| Equity capital to assets | 10.2684% | 3,449 |
| Core capital (leverage) ratio | 10.4075% | 3,007 |
| Tier 1 risk-based capital ratio | 12.5625% | 4,352 |
| Total risk-based capital ratio | 13.6901% | 4,325 |
| Memoranda: | ||
| Average total assets | $267,798,500 | 2,412 |
| Average earning assets | $248,951,000 | 2,406 |
| Average equity | $27,992,500 | 2,516 |
| Average total loans | $224,582,000 | 1,992 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9660% | 636 |
| Cost of funding earning assets | 0.1792% | 5,225 |
| Net interest margin | 4.7868% | 359 |
| Noninterest income to average assets | 0.6167% | 2,569 |
| Noninterest expense to average assets | 3.4373% | 1,282 |
| Loan and lease loss provision to assets | 0.0614% | 3,141 |
| Net operating income to assets | 1.5822% | 710 |
| Return on assets (ROA) | 1.6079% | 693 |
| Pretax return on assets | 1.6079% | 1,256 |
| Return on Equity (ROE) | 15.2802% | 591 |
| Retained earnings to average equity (ytd only) | 0.6331% | 5,073 |
| Net charge-offs to loans | 0.0120% | 3,866 |
| Credit loss provision to net charge-offs | 611.1111% | 560 |
| Earnings coverage of net charge-offs (x) | 163.5556% | 397 |
| Efficiency ratio | 67.6507% | 3,315 |
| Assets per employee ($millions) | 3.7102% | 4,454 |
| Cash dividends to net income (ytd only)* | 95.8565% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1076% | 3,666 |
| Loan loss allowance to noncurrent loans | 347.0922% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.5398% | 3,120 |
| Noncurrent loans to loans | 0.3191% | 4,006 |
| Net loans and leases to total assets | 82.9369% | 486 |
| Net loans and leases to deposits | 97.9511% | 828 |
| Net loans and leases to core deposits | 102.1575% | 1,439 |
| Total domestic deposits to total assets | 84.6718% | 3,183 |
| Equity capital to assets | 10.6433% | 2,988 |
| Core capital (leverage) ratio | 10.6737% | 2,687 |
| Tier 1 risk-based capital ratio | 13.0253% | 4,057 |
| Total risk-based capital ratio | 14.1564% | 4,026 |
| Memoranda: | ||
| Average total assets | $268,670,600 | 2,373 |
| Average earning assets | $250,565,800 | 2,352 |
| Average equity | $28,271,800 | 2,493 |
| Average total loans | $224,571,600 | 1,949 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9078% | 713 |
| Cost of funding earning assets | 0.1824% | 5,247 |
| Net interest margin | 4.7254% | 417 |
| Noninterest income to average assets | 0.6479% | 2,429 |
| Noninterest expense to average assets | 3.4303% | 1,285 |
| Loan and lease loss provision to assets | 0.0815% | 2,581 |
| Net operating income to assets | 1.5492% | 798 |
| Return on assets (ROA) | 1.5833% | 796 |
| Pretax return on assets | 1.5833% | 1,427 |
| Return on Equity (ROE) | 15.0882% | 655 |
| Retained earnings to average equity (ytd only) | 0.9648% | 5,097 |
| Net charge-offs to loans | -0.0704% | 5,467 |
| Credit loss provision to net charge-offs | -138.6555% | 4,798 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7791% | 3,265 |
| Assets per employee ($millions) | 3.7357% | 4,408 |
| Cash dividends to net income (ytd only)* | 93.6057% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 3,456 |
| Loan loss allowance to noncurrent loans | 93.2398% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 1.3920% | 1,340 |
| Noncurrent loans to loans | 1.2487% | 1,793 |
| Net loans and leases to total assets | 82.9862% | 514 |
| Net loans and leases to deposits | 96.2204% | 1,030 |
| Net loans and leases to core deposits | 99.9927% | 1,636 |
| Total domestic deposits to total assets | 86.2459% | 2,239 |
| Equity capital to assets | 10.7466% | 3,315 |
| Core capital (leverage) ratio | 10.4664% | 3,032 |
| Tier 1 risk-based capital ratio | 12.9284% | 4,207 |
| Total risk-based capital ratio | 14.1170% | 4,151 |
| Memoranda: | ||
| Average total assets | $269,982,500 | 2,378 |
| Average earning assets | $252,134,250 | 2,356 |
| Average equity | $28,330,500 | 2,514 |
| Average total loans | $225,484,000 | 1,943 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8735% | 767 |
| Cost of funding earning assets | 0.1923% | 5,218 |
| Net interest margin | 4.6812% | 432 |
| Noninterest income to average assets | 0.6061% | 2,590 |
| Noninterest expense to average assets | 3.3885% | 1,398 |
| Loan and lease loss provision to assets | 0.1215% | 1,883 |
| Net operating income to assets | 1.4715% | 941 |
| Return on assets (ROA) | 1.5223% | 903 |
| Pretax return on assets | 1.5223% | 1,608 |
| Return on Equity (ROE) | 14.6219% | 727 |
| Retained earnings to average equity (ytd only) | 1.6836% | 4,711 |
| Net charge-offs to loans | -0.0080% | 4,635 |
| Credit loss provision to net charge-offs | -1,833.3333% | 5,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0219% | 3,342 |
| Assets per employee ($millions) | 3.9240% | 4,050 |
| Cash dividends to net income (ytd only)* | 88.4857% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0979% | 3,955 |
| Loan loss allowance to noncurrent loans | 90.8193% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 1.4257% | 1,366 |
| Noncurrent loans to loans | 1.2089% | 1,906 |
| Net loans and leases to total assets | 82.6148% | 561 |
| Net loans and leases to deposits | 98.0631% | 887 |
| Net loans and leases to core deposits | 107.4784% | 1,064 |
| Total domestic deposits to total assets | 84.2465% | 3,177 |
| Equity capital to assets | 10.5358% | 3,592 |
| Core capital (leverage) ratio | 10.5183% | 2,955 |
| Tier 1 risk-based capital ratio | 12.7558% | 4,347 |
| Total risk-based capital ratio | 13.8774% | 4,334 |
| Memoranda: | ||
| Average total assets | $271,564,000 | 2,371 |
| Average earning assets | $253,823,330 | 2,358 |
| Average equity | $28,272,670 | 2,513 |
| Average total loans | $226,410,670 | 1,941 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8091% | 829 |
| Cost of funding earning assets | 0.1946% | 5,250 |
| Net interest margin | 4.6145% | 484 |
| Noninterest income to average assets | 0.6133% | 2,451 |
| Noninterest expense to average assets | 3.3813% | 1,422 |
| Loan and lease loss provision to assets | 0.2427% | 739 |
| Net operating income to assets | 1.3149% | 1,218 |
| Return on assets (ROA) | 1.3149% | 1,296 |
| Pretax return on assets | 1.3149% | 2,240 |
| Return on Equity (ROE) | 12.7052% | 1,104 |
| Retained earnings to average equity (ytd only) | -0.5827% | 5,215 |
| Net charge-offs to loans | -0.0194% | 4,837 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4634% | 3,384 |
| Assets per employee ($millions) | 3.8754% | 4,170 |
| Cash dividends to net income (ytd only)* | 104.5861% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 4,044 |
| Loan loss allowance to noncurrent loans | 101.8860% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 1.3765% | 1,525 |
| Noncurrent loans to loans | 1.0798% | 2,237 |
| Net loans and leases to total assets | 82.3500% | 520 |
| Net loans and leases to deposits | 94.4001% | 1,099 |
| Net loans and leases to core deposits | 106.9362% | 1,022 |
| Total domestic deposits to total assets | 87.2351% | 2,081 |
| Equity capital to assets | 10.4009% | 3,615 |
| Core capital (leverage) ratio | 10.3925% | 3,081 |
| Tier 1 risk-based capital ratio | 12.7430% | 4,436 |
| Total risk-based capital ratio | 13.8755% | 4,415 |
| Memoranda: | ||
| Average total assets | $271,969,500 | 2,369 |
| Average earning assets | $254,934,000 | 2,348 |
| Average equity | $28,146,000 | 2,517 |
| Average total loans | $226,533,500 | 1,941 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0298% | 586 |
| Cost of funding earning assets | 0.1830% | 5,419 |
| Net interest margin | 4.8467% | 332 |
| Noninterest income to average assets | 0.6565% | 2,429 |
| Noninterest expense to average assets | 3.4569% | 1,375 |
| Loan and lease loss provision to assets | 0.2630% | 707 |
| Net operating income to assets | 1.4651% | 925 |
| Return on assets (ROA) | 1.4651% | 954 |
| Pretax return on assets | 1.4651% | 1,668 |
| Return on Equity (ROE) | 13.1914% | 1,015 |
| Retained earnings to average equity (ytd only) | -5.5021% | 5,938 |
| Net charge-offs to loans | 0.2923% | 1,041 |
| Credit loss provision to net charge-offs | 106.4319% | 2,363 |
| Earnings coverage of net charge-offs (x) | 6.9939% | 3,136 |
| Efficiency ratio | 66.6715% | 3,799 |
| Assets per employee ($millions) | 4.0696% | 3,818 |
| Cash dividends to net income (ytd only)* | 141.7097% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 4,505 |
| Loan loss allowance to noncurrent loans | 92.8428% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 1.4014% | 1,493 |
| Noncurrent loans to loans | 1.0947% | 2,152 |
| Net loans and leases to total assets | 82.4744% | 549 |
| Net loans and leases to deposits | 101.6559% | 565 |
| Net loans and leases to core deposits | 113.4441% | 711 |
| Total domestic deposits to total assets | 81.1310% | 4,444 |
| Equity capital to assets | 10.2973% | 3,625 |
| Core capital (leverage) ratio | 10.4386% | 3,001 |
| Tier 1 risk-based capital ratio | 12.5130% | 4,627 |
| Total risk-based capital ratio | 13.5448% | 4,660 |
| Memoranda: | ||
| Average total assets | $264,283,800 | 2,389 |
| Average earning assets | $246,928,400 | 2,370 |
| Average equity | $29,352,400 | 2,363 |
| Average total loans | $223,419,400 | 1,901 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0686% | 545 |
| Cost of funding earning assets | 0.1836% | 5,519 |
| Net interest margin | 4.8851% | 315 |
| Noninterest income to average assets | 0.7124% | 2,175 |
| Noninterest expense to average assets | 3.5271% | 1,240 |
| Loan and lease loss provision to assets | 0.2517% | 678 |
| Net operating income to assets | 1.4941% | 928 |
| Return on assets (ROA) | 1.4941% | 964 |
| Pretax return on assets | 1.4941% | 1,694 |
| Return on Equity (ROE) | 13.2021% | 1,083 |
| Retained earnings to average equity (ytd only) | 0.6651% | 5,424 |
| Net charge-offs to loans | 0.1396% | 1,730 |
| Credit loss provision to net charge-offs | 212.4464% | 1,277 |
| Earnings coverage of net charge-offs (x) | 14.7339% | 2,231 |
| Efficiency ratio | 66.8917% | 3,736 |
| Assets per employee ($millions) | 3.8158% | 4,235 |
| Cash dividends to net income (ytd only)* | 94.9625% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1152% | 4,141 |
| Loan loss allowance to noncurrent loans | 100.9581% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 1.5148% | 1,483 |
| Noncurrent loans to loans | 1.1046% | 2,284 |
| Net loans and leases to total assets | 82.7709% | 500 |
| Net loans and leases to deposits | 97.7387% | 835 |
| Net loans and leases to core deposits | 109.2952% | 913 |
| Total domestic deposits to total assets | 84.6858% | 3,139 |
| Equity capital to assets | 11.0601% | 2,951 |
| Core capital (leverage) ratio | 10.9885% | 2,501 |
| Tier 1 risk-based capital ratio | 13.3349% | 4,230 |
| Total risk-based capital ratio | 14.4680% | 4,234 |
| Memoranda: | ||
| Average total assets | $262,188,750 | 2,422 |
| Average earning assets | $244,767,500 | 2,405 |
| Average equity | $29,671,250 | 2,355 |
| Average total loans | $222,477,500 | 1,917 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0626% | 543 |
| Cost of funding earning assets | 0.1885% | 5,540 |
| Net interest margin | 4.8740% | 315 |
| Noninterest income to average assets | 0.5778% | 2,871 |
| Noninterest expense to average assets | 3.4928% | 1,310 |
| Loan and lease loss provision to assets | 0.2893% | 552 |
| Net operating income to assets | 1.3422% | 1,215 |
| Return on assets (ROA) | 1.3422% | 1,259 |
| Pretax return on assets | 1.3422% | 2,200 |
| Return on Equity (ROE) | 11.7672% | 1,445 |
| Retained earnings to average equity (ytd only) | -0.6966% | 5,646 |
| Net charge-offs to loans | 0.1448% | 1,625 |
| Credit loss provision to net charge-offs | 234.3750% | 1,093 |
| Earnings coverage of net charge-offs (x) | 13.2188% | 2,151 |
| Efficiency ratio | 68.1620% | 3,647 |
| Assets per employee ($millions) | 3.7454% | 4,336 |
| Cash dividends to net income (ytd only)* | 105.9195% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 4,437 |
| Loan loss allowance to noncurrent loans | 128.6677% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 1.2386% | 2,034 |
| Noncurrent loans to loans | 0.8395% | 3,028 |
| Net loans and leases to total assets | 84.2830% | 352 |
| Net loans and leases to deposits | 102.3783% | 528 |
| Net loans and leases to core deposits | 123.5883% | 380 |
| Total domestic deposits to total assets | 82.3250% | 4,185 |
| Equity capital to assets | 10.9631% | 2,922 |
| Core capital (leverage) ratio | 11.1677% | 2,271 |
| Tier 1 risk-based capital ratio | 13.1064% | 4,456 |
| Total risk-based capital ratio | 14.2087% | 4,454 |
| Memoranda: | ||
| Average total assets | $259,278,670 | 2,462 |
| Average earning assets | $241,853,330 | 2,444 |
| Average equity | $29,573,670 | 2,369 |
| Average total loans | $221,046,330 | 1,933 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0236% | 556 |
| Cost of funding earning assets | 0.1907% | 5,595 |
| Net interest margin | 4.8329% | 329 |
| Noninterest income to average assets | 0.5746% | 2,807 |
| Noninterest expense to average assets | 3.4776% | 1,360 |
| Loan and lease loss provision to assets | 0.3542% | 361 |
| Net operating income to assets | 1.2516% | 1,402 |
| Return on assets (ROA) | 1.2516% | 1,488 |
| Pretax return on assets | 1.2516% | 2,457 |
| Return on Equity (ROE) | 10.7511% | 1,716 |
| Retained earnings to average equity (ytd only) | -3.4349% | 5,826 |
| Net charge-offs to loans | 0.0572% | 2,185 |
| Credit loss provision to net charge-offs | 725.8065% | 417 |
| Earnings coverage of net charge-offs (x) | 32.9032% | 1,090 |
| Efficiency ratio | 68.4113% | 3,757 |
| Assets per employee ($millions) | 3.7223% | 4,470 |
| Cash dividends to net income (ytd only)* | 131.9497% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1190% | 4,422 |
| Loan loss allowance to noncurrent loans | 213.8141% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 1.4258% | 1,854 |
| Noncurrent loans to loans | 0.5233% | 4,003 |
| Net loans and leases to total assets | 84.6738% | 272 |
| Net loans and leases to deposits | 103.9207% | 370 |
| Net loans and leases to core deposits | 120.3732% | 404 |
| Total domestic deposits to total assets | 81.4792% | 4,679 |
| Equity capital to assets | 11.4982% | 2,461 |
| Core capital (leverage) ratio | 11.6088% | 1,920 |
| Tier 1 risk-based capital ratio | 13.5767% | 4,285 |
| Total risk-based capital ratio | 14.7146% | 4,262 |
| Memoranda: | ||
| Average total assets | $254,083,500 | 2,525 |
| Average earning assets | $237,040,500 | 2,498 |
| Average equity | $29,578,500 | 2,384 |
| Average total loans | $216,686,000 | 1,964 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3962% | 382 |
| Cost of funding earning assets | 0.2406% | 5,419 |
| Net interest margin | 5.1556% | 225 |
| Noninterest income to average assets | 0.7328% | 2,152 |
| Noninterest expense to average assets | 3.8494% | 916 |
| Loan and lease loss provision to assets | 0.2108% | 1,184 |
| Net operating income to assets | 1.4198% | 1,040 |
| Return on assets (ROA) | 1.4603% | 993 |
| Pretax return on assets | 1.4603% | 1,692 |
| Return on Equity (ROE) | 12.0141% | 1,404 |
| Retained earnings to average equity (ytd only) | 1.4146% | 5,130 |
| Net charge-offs to loans | 0.2375% | 1,778 |
| Credit loss provision to net charge-offs | 105.1546% | 2,282 |
| Earnings coverage of net charge-offs (x) | 8.1340% | 2,922 |
| Efficiency ratio | 70.2444% | 3,491 |
| Assets per employee ($millions) | 3.6424% | 4,639 |
| Cash dividends to net income (ytd only)* | 88.2253% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0622% | 4,755 |
| Loan loss allowance to noncurrent loans | 122.6732% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 1.4141% | 1,956 |
| Noncurrent loans to loans | 0.8658% | 3,154 |
| Net loans and leases to total assets | 84.0212% | 342 |
| Net loans and leases to deposits | 101.8531% | 519 |
| Net loans and leases to core deposits | 114.3440% | 587 |
| Total domestic deposits to total assets | 82.4925% | 4,251 |
| Equity capital to assets | 11.7875% | 2,183 |
| Core capital (leverage) ratio | 11.9931% | 1,619 |
| Tier 1 risk-based capital ratio | 14.2543% | 3,930 |
| Total risk-based capital ratio | 15.3454% | 3,952 |
| Memoranda: | ||
| Average total assets | $241,933,600 | 2,600 |
| Average earning assets | $222,767,400 | 2,599 |
| Average equity | $29,407,000 | 2,310 |
| Average total loans | $204,170,600 | 2,003 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4414% | 343 |
| Cost of funding earning assets | 0.2578% | 5,329 |
| Net interest margin | 5.1836% | 209 |
| Noninterest income to average assets | 0.6773% | 2,442 |
| Noninterest expense to average assets | 3.9601% | 789 |
| Loan and lease loss provision to assets | 0.1447% | 1,730 |
| Net operating income to assets | 1.3273% | 1,292 |
| Return on assets (ROA) | 1.3818% | 1,211 |
| Pretax return on assets | 1.3818% | 2,076 |
| Return on Equity (ROE) | 11.2787% | 1,693 |
| Retained earnings to average equity (ytd only) | 1.9805% | 5,066 |
| Net charge-offs to loans | 0.1698% | 2,102 |
| Credit loss provision to net charge-offs | 101.1673% | 2,186 |
| Earnings coverage of net charge-offs (x) | 10.2918% | 2,561 |
| Efficiency ratio | 72.9024% | 3,020 |
| Assets per employee ($millions) | 3.3276% | 5,194 |
| Cash dividends to net income (ytd only)* | 82.4408% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0928% | 4,781 |
| Loan loss allowance to noncurrent loans | 95.5319% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 1.8067% | 1,641 |
| Noncurrent loans to loans | 1.1439% | 2,769 |
| Net loans and leases to total assets | 82.5175% | 461 |
| Net loans and leases to deposits | 99.2983% | 653 |
| Net loans and leases to core deposits | 107.1172% | 895 |
| Total domestic deposits to total assets | 83.1006% | 4,104 |
| Equity capital to assets | 12.0343% | 2,028 |
| Core capital (leverage) ratio | 12.0281% | 1,689 |
| Tier 1 risk-based capital ratio | 14.6466% | 3,793 |
| Total risk-based capital ratio | 15.7562% | 3,820 |
| Memoranda: | ||
| Average total assets | $239,585,500 | 2,634 |
| Average earning assets | $219,766,250 | 2,641 |
| Average equity | $29,352,500 | 2,325 |
| Average total loans | $201,854,750 | 2,040 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4416% | 348 |
| Cost of funding earning assets | 0.2796% | 5,190 |
| Net interest margin | 5.1619% | 214 |
| Noninterest income to average assets | 0.5805% | 2,928 |
| Noninterest expense to average assets | 3.9820% | 781 |
| Loan and lease loss provision to assets | 0.2191% | 1,060 |
| Net operating income to assets | 1.1080% | 1,912 |
| Return on assets (ROA) | 1.1906% | 1,689 |
| Pretax return on assets | 1.1906% | 2,699 |
| Return on Equity (ROE) | 9.6587% | 2,297 |
| Retained earnings to average equity (ytd only) | 0.9296% | 5,381 |
| Net charge-offs to loans | -0.1375% | 6,237 |
| Credit loss provision to net charge-offs | -188.4058% | 5,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0040% | 2,806 |
| Assets per employee ($millions) | 3.3029% | 5,244 |
| Cash dividends to net income (ytd only)* | 90.3751% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2629% | 4,062 |
| Loan loss allowance to noncurrent loans | 92.3723% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 2.1721% | 1,412 |
| Noncurrent loans to loans | 1.3672% | 2,530 |
| Net loans and leases to total assets | 84.4452% | 269 |
| Net loans and leases to deposits | 102.2076% | 438 |
| Net loans and leases to core deposits | 114.4395% | 522 |
| Total domestic deposits to total assets | 82.6212% | 4,440 |
| Equity capital to assets | 12.0039% | 1,975 |
| Core capital (leverage) ratio | 12.2191% | 1,544 |
| Tier 1 risk-based capital ratio | 14.3417% | 4,033 |
| Total risk-based capital ratio | 15.5923% | 3,973 |
| Memoranda: | ||
| Average total assets | $237,365,330 | 2,655 |
| Average earning assets | $217,438,000 | 2,661 |
| Average equity | $29,258,670 | 2,316 |
| Average total loans | $200,659,330 | 2,042 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4426% | 320 |
| Cost of funding earning assets | 0.2933% | 5,144 |
| Net interest margin | 5.1493% | 206 |
| Noninterest income to average assets | 0.5354% | 3,146 |
| Noninterest expense to average assets | 4.0951% | 688 |
| Loan and lease loss provision to assets | 0.2224% | 1,013 |
| Net operating income to assets | 0.9323% | 2,495 |
| Return on assets (ROA) | 1.0999% | 1,877 |
| Pretax return on assets | 1.0999% | 2,897 |
| Return on Equity (ROE) | 8.8026% | 2,547 |
| Retained earnings to average equity (ytd only) | 0.1232% | 5,511 |
| Net charge-offs to loans | -0.6148% | 6,578 |
| Credit loss provision to net charge-offs | -43.0464% | 4,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0059% | 2,473 |
| Assets per employee ($millions) | 3.1254% | 5,638 |
| Cash dividends to net income (ytd only)* | 98.6003% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3396% | 3,907 |
| Loan loss allowance to noncurrent loans | 142.4614% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 2.1540% | 1,552 |
| Noncurrent loans to loans | 0.9403% | 3,540 |
| Net loans and leases to total assets | 84.0148% | 234 |
| Net loans and leases to deposits | 99.6342% | 455 |
| Net loans and leases to core deposits | 108.4557% | 652 |
| Total domestic deposits to total assets | 84.3233% | 4,154 |
| Equity capital to assets | 12.4545% | 1,605 |
| Core capital (leverage) ratio | 12.5841% | 1,348 |
| Tier 1 risk-based capital ratio | 15.0231% | 3,701 |
| Total risk-based capital ratio | 16.2745% | 3,647 |
| Memoranda: | ||
| Average total assets | $233,841,500 | 2,705 |
| Average earning assets | $214,088,000 | 2,708 |
| Average equity | $29,218,500 | 2,312 |
| Average total loans | $196,471,500 | 2,082 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5229% | 351 |
| Cost of funding earning assets | 0.4129% | 4,505 |
| Net interest margin | 5.1100% | 252 |
| Noninterest income to average assets | 0.5141% | 3,673 |
| Noninterest expense to average assets | 3.8099% | 1,117 |
| Loan and lease loss provision to assets | 0.1848% | 1,993 |
| Net operating income to assets | 1.1558% | 1,735 |
| Return on assets (ROA) | 1.1558% | 1,799 |
| Pretax return on assets | 1.1558% | 2,749 |
| Return on Equity (ROE) | 8.9694% | 2,539 |
| Retained earnings to average equity (ytd only) | -6.8197% | 6,454 |
| Net charge-offs to loans | 0.4777% | 1,394 |
| Credit loss provision to net charge-offs | 47.9010% | 3,865 |
| Earnings coverage of net charge-offs (x) | 3.4747% | 3,842 |
| Efficiency ratio | 73.9719% | 3,132 |
| Assets per employee ($millions) | 3.0296% | 5,787 |
| Cash dividends to net income (ytd only)* | 176.0331% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1597% | 4,865 |
| Loan loss allowance to noncurrent loans | 164.9742% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 2.0619% | 1,735 |
| Noncurrent loans to loans | 0.7029% | 4,217 |
| Net loans and leases to total assets | 81.9160% | 422 |
| Net loans and leases to deposits | 96.9695% | 674 |
| Net loans and leases to core deposits | 105.3528% | 830 |
| Total domestic deposits to total assets | 84.4760% | 3,978 |
| Equity capital to assets | 12.5357% | 1,498 |
| Core capital (leverage) ratio | 12.6026% | 1,306 |
| Tier 1 risk-based capital ratio | 15.3145% | 3,472 |
| Total risk-based capital ratio | 16.4904% | 3,469 |
| Memoranda: | ||
| Average total assets | $240,793,200 | 2,612 |
| Average earning assets | $218,473,200 | 2,636 |
| Average equity | $31,027,600 | 2,191 |
| Average total loans | $194,493,400 | 2,052 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5056% | 372 |
| Cost of funding earning assets | 0.4454% | 4,330 |
| Net interest margin | 5.0602% | 284 |
| Noninterest income to average assets | 0.4857% | 3,896 |
| Noninterest expense to average assets | 3.8070% | 1,073 |
| Loan and lease loss provision to assets | 0.0797% | 3,466 |
| Net operating income to assets | 1.1807% | 1,697 |
| Return on assets (ROA) | 1.1807% | 1,770 |
| Pretax return on assets | 1.1807% | 2,778 |
| Return on Equity (ROE) | 9.1036% | 2,588 |
| Retained earnings to average equity (ytd only) | -0.4024% | 6,021 |
| Net charge-offs to loans | 0.4696% | 1,368 |
| Credit loss provision to net charge-offs | 21.1370% | 4,057 |
| Earnings coverage of net charge-offs (x) | 3.3440% | 3,732 |
| Efficiency ratio | 75.1274% | 2,884 |
| Assets per employee ($millions) | 3.1304% | 5,619 |
| Cash dividends to net income (ytd only)* | 104.4209% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1241% | 5,237 |
| Loan loss allowance to noncurrent loans | 144.0343% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 2.5737% | 1,479 |
| Noncurrent loans to loans | 0.7804% | 4,286 |
| Net loans and leases to total assets | 80.7873% | 475 |
| Net loans and leases to deposits | 94.0695% | 826 |
| Net loans and leases to core deposits | 102.1618% | 986 |
| Total domestic deposits to total assets | 85.8804% | 3,332 |
| Equity capital to assets | 13.1495% | 1,266 |
| Core capital (leverage) ratio | 13.1377% | 1,151 |
| Tier 1 risk-based capital ratio | 16.2852% | 3,049 |
| Total risk-based capital ratio | 17.4249% | 3,055 |
| Memoranda: | ||
| Average total assets | $242,672,000 | 2,614 |
| Average earning assets | $219,724,000 | 2,634 |
| Average equity | $31,473,750 | 2,179 |
| Average total loans | $194,783,250 | 2,052 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4819% | 386 |
| Cost of funding earning assets | 0.4813% | 4,077 |
| Net interest margin | 5.0007% | 309 |
| Noninterest income to average assets | 0.6002% | 3,190 |
| Noninterest expense to average assets | 3.8705% | 1,016 |
| Loan and lease loss provision to assets | 0.0328% | 4,277 |
| Net operating income to assets | 1.2233% | 1,532 |
| Return on assets (ROA) | 1.2233% | 1,635 |
| Pretax return on assets | 1.2233% | 2,579 |
| Return on Equity (ROE) | 9.4746% | 2,426 |
| Retained earnings to average equity (ytd only) | 0.1903% | 5,797 |
| Net charge-offs to loans | 0.1991% | 2,571 |
| Credit loss provision to net charge-offs | 20.6186% | 3,724 |
| Earnings coverage of net charge-offs (x) | 7.9072% | 2,480 |
| Efficiency ratio | 75.4991% | 2,858 |
| Assets per employee ($millions) | 3.0904% | 5,702 |
| Cash dividends to net income (ytd only)* | 97.9920% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2981% | 4,519 |
| Loan loss allowance to noncurrent loans | 84.3002% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 3.3572% | 1,163 |
| Noncurrent loans to loans | 1.5399% | 2,995 |
| Net loans and leases to total assets | 82.1818% | 345 |
| Net loans and leases to deposits | 100.4613% | 401 |
| Net loans and leases to core deposits | 110.7190% | 536 |
| Total domestic deposits to total assets | 81.8044% | 5,112 |
| Equity capital to assets | 13.2180% | 1,252 |
| Core capital (leverage) ratio | 13.2243% | 1,082 |
| Tier 1 risk-based capital ratio | 16.0868% | 3,141 |
| Total risk-based capital ratio | 17.3374% | 3,083 |
| Memoranda: | ||
| Average total assets | $244,259,330 | 2,613 |
| Average earning assets | $221,089,330 | 2,629 |
| Average equity | $31,537,000 | 2,184 |
| Average total loans | $194,915,670 | 2,053 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4623% | 389 |
| Cost of funding earning assets | 0.5044% | 4,043 |
| Net interest margin | 4.9579% | 311 |
| Noninterest income to average assets | 0.6289% | 2,987 |
| Noninterest expense to average assets | 3.8916% | 1,006 |
| Loan and lease loss provision to assets | 0.0647% | 3,548 |
| Net operating income to assets | 1.1544% | 1,654 |
| Return on assets (ROA) | 1.1544% | 1,762 |
| Pretax return on assets | 1.1544% | 2,745 |
| Return on Equity (ROE) | 9.0441% | 2,474 |
| Retained earnings to average equity (ytd only) | -0.4560% | 5,869 |
| Net charge-offs to loans | 0.0228% | 3,719 |
| Credit loss provision to net charge-offs | 363.6364% | 689 |
| Earnings coverage of net charge-offs (x) | 68.5455% | 522 |
| Efficiency ratio | 76.1468% | 2,899 |
| Assets per employee ($millions) | 3.2198% | 5,591 |
| Cash dividends to net income (ytd only)* | 105.0420% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4184% | 4,143 |
| Loan loss allowance to noncurrent loans | 85.1360% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 3.5418% | 1,193 |
| Noncurrent loans to loans | 1.6661% | 3,047 |
| Net loans and leases to total assets | 78.2476% | 587 |
| Net loans and leases to deposits | 92.4567% | 766 |
| Net loans and leases to core deposits | 102.0155% | 825 |
| Total domestic deposits to total assets | 84.6316% | 4,210 |
| Equity capital to assets | 12.8935% | 1,475 |
| Core capital (leverage) ratio | 12.6172% | 1,288 |
| Tier 1 risk-based capital ratio | 16.3412% | 3,087 |
| Total risk-based capital ratio | 17.5934% | 3,036 |
| Memoranda: | ||
| Average total assets | $247,407,000 | 2,608 |
| Average earning assets | $223,643,500 | 2,628 |
| Average equity | $31,578,500 | 2,208 |
| Average total loans | $193,306,000 | 2,080 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7927% | 369 |
| Cost of funding earning assets | 0.6677% | 3,765 |
| Net interest margin | 5.1250% | 314 |
| Noninterest income to average assets | 0.4381% | 4,333 |
| Noninterest expense to average assets | 3.7758% | 1,294 |
| Loan and lease loss provision to assets | 0.2105% | 3,041 |
| Net operating income to assets | 1.0711% | 2,050 |
| Return on assets (ROA) | 1.0711% | 2,236 |
| Pretax return on assets | 1.0711% | 3,272 |
| Return on Equity (ROE) | 8.7520% | 2,766 |
| Retained earnings to average equity (ytd only) | 2.5415% | 4,435 |
| Net charge-offs to loans | 0.6337% | 1,853 |
| Credit loss provision to net charge-offs | 43.8312% | 4,846 |
| Earnings coverage of net charge-offs (x) | 2.6688% | 4,096 |
| Efficiency ratio | 74.6590% | 2,958 |
| Assets per employee ($millions) | 3.3348% | 5,352 |
| Cash dividends to net income (ytd only)* | 70.9607% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4170% | 4,088 |
| Loan loss allowance to noncurrent loans | 88.9396% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 3.4649% | 1,315 |
| Noncurrent loans to loans | 1.5932% | 3,236 |
| Net loans and leases to total assets | 75.8290% | 940 |
| Net loans and leases to deposits | 89.0483% | 1,158 |
| Net loans and leases to core deposits | 98.1017% | 1,139 |
| Total domestic deposits to total assets | 85.1549% | 3,794 |
| Equity capital to assets | 12.6368% | 1,620 |
| Core capital (leverage) ratio | 12.5834% | 1,290 |
| Tier 1 risk-based capital ratio | 16.3335% | 2,978 |
| Total risk-based capital ratio | 17.5858% | 2,934 |
| Memoranda: | ||
| Average total assets | $256,553,600 | 2,473 |
| Average earning assets | $231,239,800 | 2,491 |
| Average equity | $31,398,600 | 2,175 |
| Average total loans | $194,409,400 | 2,054 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5625% | 595 |
| Cost of funding earning assets | 0.6294% | 4,370 |
| Net interest margin | 4.9331% | 447 |
| Noninterest income to average assets | 0.9239% | 1,750 |
| Noninterest expense to average assets | 4.0438% | 884 |
| Loan and lease loss provision to assets | 0.2392% | 2,660 |
| Net operating income to assets | 1.1357% | 1,967 |
| Return on assets (ROA) | 1.1357% | 2,160 |
| Pretax return on assets | 1.1357% | 3,204 |
| Return on Equity (ROE) | 9.3605% | 2,650 |
| Retained earnings to average equity (ytd only) | 4.7208% | 3,581 |
| Net charge-offs to loans | 0.6490% | 1,689 |
| Credit loss provision to net charge-offs | 49.8534% | 4,413 |
| Earnings coverage of net charge-offs (x) | 2.8651% | 3,894 |
| Efficiency ratio | 74.6267% | 2,887 |
| Assets per employee ($millions) | 2.9104% | 6,201 |
| Cash dividends to net income (ytd only)* | 49.5662% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2988% | 4,821 |
| Loan loss allowance to noncurrent loans | 175.3296% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 2.1790% | 2,459 |
| Noncurrent loans to loans | 0.7408% | 4,936 |
| Net loans and leases to total assets | 72.5621% | 1,458 |
| Net loans and leases to deposits | 85.1888% | 1,703 |
| Net loans and leases to core deposits | 95.9321% | 1,416 |
| Total domestic deposits to total assets | 85.1779% | 3,670 |
| Equity capital to assets | 11.9667% | 2,286 |
| Core capital (leverage) ratio | 11.8561% | 1,744 |
| Tier 1 risk-based capital ratio | 16.0127% | 3,254 |
| Total risk-based capital ratio | 17.2635% | 3,222 |
| Memoranda: | ||
| Average total assets | $189,487,250 | 3,213 |
| Average earning assets | $172,652,750 | 3,227 |
| Average equity | $22,989,750 | 2,879 |
| Average total loans | $140,101,750 | 2,750 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6298% | 549 |
| Cost of funding earning assets | 0.6693% | 4,282 |
| Net interest margin | 4.9605% | 429 |
| Noninterest income to average assets | 0.9464% | 1,628 |
| Noninterest expense to average assets | 4.0895% | 847 |
| Loan and lease loss provision to assets | 0.2824% | 2,318 |
| Net operating income to assets | 1.0850% | 2,106 |
| Return on assets (ROA) | 1.0850% | 2,326 |
| Pretax return on assets | 1.0850% | 3,359 |
| Return on Equity (ROE) | 8.9007% | 2,853 |
| Retained earnings to average equity (ytd only) | 5.4034% | 3,045 |
| Net charge-offs to loans | 0.9035% | 1,221 |
| Credit loss provision to net charge-offs | 42.1975% | 4,212 |
| Earnings coverage of net charge-offs (x) | 2.0430% | 3,968 |
| Efficiency ratio | 74.9414% | 2,905 |
| Assets per employee ($millions) | 2.6573% | 6,589 |
| Cash dividends to net income (ytd only)* | 39.2927% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3115% | 4,845 |
| Loan loss allowance to noncurrent loans | 171.9626% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 2.3719% | 2,352 |
| Noncurrent loans to loans | 0.7626% | 4,982 |
| Net loans and leases to total assets | 74.4367% | 1,186 |
| Net loans and leases to deposits | 89.1727% | 1,233 |
| Net loans and leases to core deposits | 100.4593% | 1,066 |
| Total domestic deposits to total assets | 83.4748% | 4,542 |
| Equity capital to assets | 12.4373% | 1,852 |
| Core capital (leverage) ratio | 12.1754% | 1,508 |
| Tier 1 risk-based capital ratio | 16.1471% | 3,096 |
| Total risk-based capital ratio | 17.3973% | 3,058 |
| Memoranda: | ||
| Average total assets | $187,649,670 | 3,244 |
| Average earning assets | $170,627,000 | 3,265 |
| Average equity | $22,874,670 | 2,867 |
| Average total loans | $139,016,330 | 2,776 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6352% | 586 |
| Cost of funding earning assets | 0.6796% | 4,469 |
| Net interest margin | 4.9556% | 429 |
| Noninterest income to average assets | 0.8978% | 1,757 |
| Noninterest expense to average assets | 4.0983% | 830 |
| Loan and lease loss provision to assets | 0.2759% | 2,254 |
| Net operating income to assets | 1.0272% | 2,374 |
| Return on assets (ROA) | 1.0272% | 2,560 |
| Pretax return on assets | 1.0272% | 3,585 |
| Return on Equity (ROE) | 8.5119% | 3,053 |
| Retained earnings to average equity (ytd only) | 8.5119% | 1,776 |
| Net charge-offs to loans | 1.3818% | 731 |
| Credit loss provision to net charge-offs | 27.1967% | 3,668 |
| Earnings coverage of net charge-offs (x) | 1.2845% | 3,686 |
| Efficiency ratio | 75.8743% | 2,806 |
| Assets per employee ($millions) | 2.7176% | 6,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 4,806 |
| Loan loss allowance to noncurrent loans | 160.0000% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 2.9727% | 1,947 |
| Noncurrent loans to loans | 0.8433% | 4,990 |
| Net loans and leases to total assets | 71.3367% | 1,512 |
| Net loans and leases to deposits | 86.0421% | 1,416 |
| Net loans and leases to core deposits | 97.1507% | 1,188 |
| Total domestic deposits to total assets | 82.9090% | 4,965 |
| Equity capital to assets | 12.0775% | 1,991 |
| Core capital (leverage) ratio | 11.9768% | 1,602 |
| Tier 1 risk-based capital ratio | 16.3518% | 2,988 |
| Total risk-based capital ratio | 17.6031% | 2,945 |
| Memoranda: | ||
| Average total assets | $188,468,000 | 3,253 |
| Average earning assets | $171,280,000 | 3,267 |
| Average equity | $22,744,500 | 2,877 |
| Average total loans | $138,373,500 | 2,805 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7102% | 764 |
| Cost of funding earning assets | 0.9172% | 3,983 |
| Net interest margin | 4.7930% | 636 |
| Noninterest income to average assets | 0.6750% | 2,753 |
| Noninterest expense to average assets | 4.0598% | 947 |
| Loan and lease loss provision to assets | 0.4637% | 2,289 |
| Net operating income to assets | 0.5189% | 4,346 |
| Return on assets (ROA) | 0.5297% | 4,505 |
| Pretax return on assets | 0.5297% | 4,903 |
| Return on Equity (ROE) | 4.5563% | 4,595 |
| Retained earnings to average equity (ytd only) | 1.0105% | 5,392 |
| Net charge-offs to loans | 0.8059% | 2,143 |
| Credit loss provision to net charge-offs | 77.7202% | 4,566 |
| Earnings coverage of net charge-offs (x) | 1.6468% | 4,536 |
| Efficiency ratio | 80.5130% | 2,237 |
| Assets per employee ($millions) | 2.7457% | 6,542 |
| Cash dividends to net income (ytd only)* | 77.8210% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5828% | 3,648 |
| Loan loss allowance to noncurrent loans | 180.1308% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 3.1868% | 1,874 |
| Noncurrent loans to loans | 0.8787% | 4,933 |
| Net loans and leases to total assets | 73.3690% | 1,380 |
| Net loans and leases to deposits | 88.5574% | 1,313 |
| Net loans and leases to core deposits | 100.0343% | 1,174 |
| Total domestic deposits to total assets | 82.8491% | 4,812 |
| Equity capital to assets | 12.0585% | 2,080 |
| Core capital (leverage) ratio | 11.6745% | 1,778 |
| Tier 1 risk-based capital ratio | 15.6188% | 3,257 |
| Total risk-based capital ratio | 16.8716% | 3,213 |
| Memoranda: | ||
| Average total assets | $194,074,400 | 3,128 |
| Average earning assets | $176,842,600 | 3,131 |
| Average equity | $22,562,400 | 2,830 |
| Average total loans | $143,687,000 | 2,728 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7058% | 842 |
| Cost of funding earning assets | 0.9697% | 3,896 |
| Net interest margin | 4.7361% | 703 |
| Noninterest income to average assets | 0.8316% | 1,920 |
| Noninterest expense to average assets | 4.0513% | 946 |
| Loan and lease loss provision to assets | 0.5444% | 1,807 |
| Net operating income to assets | 0.5567% | 4,287 |
| Return on assets (ROA) | 0.5710% | 4,394 |
| Pretax return on assets | 0.5710% | 4,906 |
| Return on Equity (ROE) | 4.9553% | 4,553 |
| Retained earnings to average equity (ytd only) | 4.9553% | 3,200 |
| Net charge-offs to loans | 0.8434% | 1,887 |
| Credit loss provision to net charge-offs | 87.3362% | 3,878 |
| Earnings coverage of net charge-offs (x) | 1.7664% | 4,332 |
| Efficiency ratio | 78.6290% | 2,457 |
| Assets per employee ($millions) | 2.9266% | 6,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7126% | 3,229 |
| Loan loss allowance to noncurrent loans | 163.9860% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 4.2702% | 1,429 |
| Noncurrent loans to loans | 1.0444% | 4,814 |
| Net loans and leases to total assets | 67.6254% | 2,554 |
| Net loans and leases to deposits | 81.9002% | 2,376 |
| Net loans and leases to core deposits | 91.6264% | 2,038 |
| Total domestic deposits to total assets | 82.5705% | 4,849 |
| Equity capital to assets | 11.6392% | 2,549 |
| Core capital (leverage) ratio | 11.5247% | 2,014 |
| Tier 1 risk-based capital ratio | 16.2631% | 2,987 |
| Total risk-based capital ratio | 17.5184% | 2,952 |
| Memoranda: | ||
| Average total assets | $195,916,250 | 3,119 |
| Average earning assets | $178,736,250 | 3,130 |
| Average equity | $22,574,500 | 2,830 |
| Average total loans | $144,811,750 | 2,734 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7708% | 763 |
| Cost of funding earning assets | 1.0227% | 3,798 |
| Net interest margin | 4.7481% | 660 |
| Noninterest income to average assets | 0.7717% | 2,152 |
| Noninterest expense to average assets | 4.0311% | 1,003 |
| Loan and lease loss provision to assets | 0.6157% | 1,556 |
| Net operating income to assets | 0.4752% | 4,620 |
| Return on assets (ROA) | 0.4967% | 4,656 |
| Pretax return on assets | 0.4967% | 5,082 |
| Return on Equity (ROE) | 4.3256% | 4,779 |
| Retained earnings to average equity (ytd only) | 4.3256% | 3,443 |
| Net charge-offs to loans | 0.8627% | 1,791 |
| Credit loss provision to net charge-offs | 94.3396% | 3,328 |
| Earnings coverage of net charge-offs (x) | 1.6714% | 4,038 |
| Efficiency ratio | 78.7017% | 2,598 |
| Assets per employee ($millions) | 2.8953% | 6,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6674% | 3,429 |
| Loan loss allowance to noncurrent loans | 35.9366% | 5,908 |
| Noncurrent assets plus other real estate owned to assets | 5.1488% | 1,185 |
| Noncurrent loans to loans | 4.6398% | 1,422 |
| Net loans and leases to total assets | 73.7228% | 1,470 |
| Net loans and leases to deposits | 90.7028% | 1,196 |
| Net loans and leases to core deposits | 101.9846% | 1,178 |
| Total domestic deposits to total assets | 81.2796% | 5,431 |
| Equity capital to assets | 11.7256% | 2,308 |
| Core capital (leverage) ratio | 11.5815% | 1,853 |
| Tier 1 risk-based capital ratio | 15.5411% | 3,221 |
| Total risk-based capital ratio | 16.7963% | 3,165 |
| Memoranda: | ||
| Average total assets | $194,885,670 | 3,154 |
| Average earning assets | $178,555,000 | 3,153 |
| Average equity | $22,378,330 | 2,830 |
| Average total loans | $147,440,670 | 2,728 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5783% | 1,099 |
| Cost of funding earning assets | 1.0584% | 3,795 |
| Net interest margin | 4.5199% | 1,027 |
| Noninterest income to average assets | 0.6512% | 2,838 |
| Noninterest expense to average assets | 4.0853% | 939 |
| Loan and lease loss provision to assets | 0.6143% | 1,396 |
| Net operating income to assets | 0.0881% | 6,128 |
| Return on assets (ROA) | 0.0881% | 6,178 |
| Pretax return on assets | 0.0881% | 6,200 |
| Return on Equity (ROE) | 0.7750% | 6,198 |
| Retained earnings to average equity (ytd only) | 0.7750% | 5,517 |
| Net charge-offs to loans | 1.3581% | 1,018 |
| Credit loss provision to net charge-offs | 59.5238% | 3,554 |
| Earnings coverage of net charge-offs (x) | 0.6806% | 4,112 |
| Efficiency ratio | 85.3293% | 1,795 |
| Assets per employee ($millions) | 2.9806% | 6,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5405% | 4,006 |
| Loan loss allowance to noncurrent loans | 33.1084% | 6,091 |
| Noncurrent assets plus other real estate owned to assets | 5.5012% | 1,102 |
| Noncurrent loans to loans | 4.6530% | 1,490 |
| Net loans and leases to total assets | 73.3273% | 1,452 |
| Net loans and leases to deposits | 89.6231% | 1,275 |
| Net loans and leases to core deposits | 100.1611% | 1,326 |
| Total domestic deposits to total assets | 81.8175% | 5,382 |
| Equity capital to assets | 11.2911% | 2,424 |
| Core capital (leverage) ratio | 11.2618% | 1,993 |
| Tier 1 risk-based capital ratio | 15.1504% | 3,342 |
| Total risk-based capital ratio | 16.4041% | 3,302 |
| Memoranda: | ||
| Average total assets | $195,335,500 | 3,172 |
| Average earning assets | $178,765,000 | 3,170 |
| Average equity | $22,194,500 | 2,846 |
| Average total loans | $148,442,500 | 2,732 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4013% | 377 |
| Cost of funding earning assets | 1.3182% | 3,764 |
| Net interest margin | 5.0832% | 367 |
| Noninterest income to average assets | 1.1821% | 1,065 |
| Noninterest expense to average assets | 3.3960% | 2,444 |
| Loan and lease loss provision to assets | 1.3339% | 1,144 |
| Net operating income to assets | 1.1373% | 1,585 |
| Return on assets (ROA) | 1.1403% | 1,658 |
| Pretax return on assets | 1.1403% | 2,432 |
| Return on Equity (ROE) | 10.5310% | 1,745 |
| Retained earnings to average equity (ytd only) | 5.3597% | 2,210 |
| Net charge-offs to loans | 1.8390% | 1,137 |
| Credit loss provision to net charge-offs | 87.7825% | 5,218 |
| Earnings coverage of net charge-offs (x) | 1.6263% | 4,518 |
| Efficiency ratio | 57.8809% | 6,351 |
| Assets per employee ($millions) | 2.8109% | 6,509 |
| Cash dividends to net income (ytd only)* | 49.1052% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6366% | 3,440 |
| Loan loss allowance to noncurrent loans | 32.3051% | 6,160 |
| Noncurrent assets plus other real estate owned to assets | 5.6499% | 1,088 |
| Noncurrent loans to loans | 5.0659% | 1,319 |
| Net loans and leases to total assets | 76.2654% | 1,229 |
| Net loans and leases to deposits | 94.4070% | 1,018 |
| Net loans and leases to core deposits | 106.5340% | 1,152 |
| Total domestic deposits to total assets | 80.7836% | 5,599 |
| Equity capital to assets | 11.4344% | 2,320 |
| Core capital (leverage) ratio | 11.0226% | 2,143 |
| Tier 1 risk-based capital ratio | 14.7812% | 3,379 |
| Total risk-based capital ratio | 16.0363% | 3,332 |
| Memoranda: | ||
| Average total assets | $200,913,400 | 3,088 |
| Average earning assets | $185,180,400 | 3,060 |
| Average equity | $21,754,800 | 2,909 |
| Average total loans | $166,012,600 | 2,528 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4819% | 355 |
| Cost of funding earning assets | 1.3597% | 3,835 |
| Net interest margin | 5.1222% | 340 |
| Noninterest income to average assets | 1.0856% | 1,208 |
| Noninterest expense to average assets | 3.2323% | 2,811 |
| Loan and lease loss provision to assets | 1.3356% | 1,033 |
| Net operating income to assets | 1.2441% | 1,479 |
| Return on assets (ROA) | 1.2481% | 1,552 |
| Pretax return on assets | 1.2481% | 2,344 |
| Return on Equity (ROE) | 11.6829% | 1,595 |
| Retained earnings to average equity (ytd only) | 7.0640% | 1,808 |
| Net charge-offs to loans | 1.9208% | 993 |
| Credit loss provision to net charge-offs | 82.9248% | 5,041 |
| Earnings coverage of net charge-offs (x) | 1.6017% | 4,516 |
| Efficiency ratio | 55.6147% | 6,611 |
| Assets per employee ($millions) | 3.0340% | 6,073 |
| Cash dividends to net income (ytd only)* | 39.5363% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4993% | 3,968 |
| Loan loss allowance to noncurrent loans | 40.2064% | 5,608 |
| Noncurrent assets plus other real estate owned to assets | 4.5804% | 1,480 |
| Noncurrent loans to loans | 3.7291% | 2,083 |
| Net loans and leases to total assets | 78.0815% | 1,028 |
| Net loans and leases to deposits | 96.8213% | 899 |
| Net loans and leases to core deposits | 108.3374% | 1,136 |
| Total domestic deposits to total assets | 80.6449% | 5,505 |
| Equity capital to assets | 10.9716% | 2,988 |
| Core capital (leverage) ratio | 10.7586% | 2,460 |
| Tier 1 risk-based capital ratio | 13.8706% | 3,940 |
| Total risk-based capital ratio | 15.1239% | 3,907 |
| Memoranda: | ||
| Average total assets | $202,654,500 | 3,106 |
| Average earning assets | $186,997,750 | 3,087 |
| Average equity | $21,649,250 | 2,964 |
| Average total loans | $169,921,500 | 2,515 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5214% | 330 |
| Cost of funding earning assets | 1.4236% | 3,724 |
| Net interest margin | 5.0977% | 344 |
| Noninterest income to average assets | 1.1796% | 924 |
| Noninterest expense to average assets | 2.7840% | 4,560 |
| Loan and lease loss provision to assets | 1.5115% | 876 |
| Net operating income to assets | 1.5925% | 736 |
| Return on assets (ROA) | 1.5975% | 785 |
| Pretax return on assets | 1.5975% | 1,314 |
| Return on Equity (ROE) | 15.0901% | 844 |
| Retained earnings to average equity (ytd only) | 8.0910% | 1,412 |
| Net charge-offs to loans | 2.1661% | 828 |
| Credit loss provision to net charge-offs | 81.7308% | 4,660 |
| Earnings coverage of net charge-offs (x) | 1.6784% | 4,251 |
| Efficiency ratio | 47.2819% | 7,383 |
| Assets per employee ($millions) | 3.0295% | 6,080 |
| Cash dividends to net income (ytd only)* | 46.3822% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4995% | 3,943 |
| Loan loss allowance to noncurrent loans | 37.8666% | 5,829 |
| Noncurrent assets plus other real estate owned to assets | 4.6338% | 1,413 |
| Noncurrent loans to loans | 3.9600% | 1,928 |
| Net loans and leases to total assets | 81.8709% | 545 |
| Net loans and leases to deposits | 101.7282% | 606 |
| Net loans and leases to core deposits | 113.4823% | 943 |
| Total domestic deposits to total assets | 80.4800% | 5,568 |
| Equity capital to assets | 10.9841% | 2,880 |
| Core capital (leverage) ratio | 10.6192% | 2,527 |
| Tier 1 risk-based capital ratio | 13.3580% | 4,162 |
| Total risk-based capital ratio | 14.6114% | 4,125 |
| Memoranda: | ||
| Average total assets | $202,446,000 | 3,128 |
| Average earning assets | $186,985,330 | 3,104 |
| Average equity | $21,431,330 | 2,987 |
| Average total loans | $172,848,670 | 2,507 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5751% | 318 |
| Cost of funding earning assets | 1.4835% | 3,666 |
| Net interest margin | 5.0915% | 350 |
| Noninterest income to average assets | 0.8051% | 1,996 |
| Noninterest expense to average assets | 3.7232% | 1,469 |
| Loan and lease loss provision to assets | 0.9426% | 1,335 |
| Net operating income to assets | 0.8503% | 2,751 |
| Return on assets (ROA) | 0.8503% | 2,844 |
| Pretax return on assets | 0.8503% | 3,668 |
| Return on Equity (ROE) | 8.1829% | 2,793 |
| Retained earnings to average equity (ytd only) | 1.0961% | 5,379 |
| Net charge-offs to loans | 1.3464% | 1,279 |
| Credit loss provision to net charge-offs | 80.9444% | 3,854 |
| Earnings coverage of net charge-offs (x) | 1.5396% | 3,808 |
| Efficiency ratio | 67.4973% | 4,819 |
| Assets per employee ($millions) | 2.9726% | 6,273 |
| Cash dividends to net income (ytd only)* | 86.6051% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5614% | 3,614 |
| Loan loss allowance to noncurrent loans | 32.5517% | 6,239 |
| Noncurrent assets plus other real estate owned to assets | 5.5892% | 1,099 |
| Noncurrent loans to loans | 4.7965% | 1,533 |
| Net loans and leases to total assets | 84.8674% | 303 |
| Net loans and leases to deposits | 109.8559% | 293 |
| Net loans and leases to core deposits | 125.9534% | 584 |
| Total domestic deposits to total assets | 77.2534% | 6,504 |
| Equity capital to assets | 10.4853% | 3,260 |
| Core capital (leverage) ratio | 10.1119% | 3,029 |
| Tier 1 risk-based capital ratio | 12.2073% | 4,985 |
| Total risk-based capital ratio | 13.4615% | 4,954 |
| Memoranda: | ||
| Average total assets | $203,697,000 | 3,171 |
| Average earning assets | $188,469,500 | 3,141 |
| Average equity | $21,166,000 | 3,048 |
| Average total loans | $176,179,000 | 2,529 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7421% | 420 |
| Cost of funding earning assets | 1.6595% | 4,737 |
| Net interest margin | 5.0825% | 378 |
| Noninterest income to average assets | 1.2374% | 988 |
| Noninterest expense to average assets | 3.6743% | 1,971 |
| Loan and lease loss provision to assets | 1.0831% | 2,108 |
| Net operating income to assets | 1.2298% | 1,176 |
| Return on assets (ROA) | 1.2963% | 1,090 |
| Pretax return on assets | 1.2968% | 1,704 |
| Return on Equity (ROE) | 13.3876% | 891 |
| Retained earnings to average equity (ytd only) | 8.0287% | 692 |
| Net charge-offs to loans | 1.1601% | 2,109 |
| Credit loss provision to net charge-offs | 107.6418% | 5,145 |
| Earnings coverage of net charge-offs (x) | 2.2991% | 4,000 |
| Efficiency ratio | 61.3645% | 6,270 |
| Assets per employee ($millions) | 3.0184% | 6,178 |
| Cash dividends to net income (ytd only)* | 40.0291% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5914% | 3,322 |
| Loan loss allowance to noncurrent loans | 43.9448% | 5,480 |
| Noncurrent assets plus other real estate owned to assets | 4.3585% | 1,494 |
| Noncurrent loans to loans | 3.6213% | 2,079 |
| Net loans and leases to total assets | 85.3830% | 320 |
| Net loans and leases to deposits | 116.1478% | 226 |
| Net loans and leases to core deposits | 132.0892% | 1,166 |
| Total domestic deposits to total assets | 73.5123% | 7,085 |
| Equity capital to assets | 10.2980% | 3,409 |
| Core capital (leverage) ratio | 10.0012% | 3,089 |
| Tier 1 risk-based capital ratio | 11.9313% | 5,006 |
| Total risk-based capital ratio | 13.1864% | 4,948 |
| Memoranda: | ||
| Average total assets | $211,983,800 | 3,041 |
| Average earning assets | $198,129,400 | 2,994 |
| Average equity | $20,526,400 | 3,136 |
| Average total loans | $183,870,200 | 2,470 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7734% | 444 |
| Cost of funding earning assets | 1.7007% | 4,896 |
| Net interest margin | 5.0727% | 392 |
| Noninterest income to average assets | 1.2686% | 958 |
| Noninterest expense to average assets | 3.7004% | 1,819 |
| Loan and lease loss provision to assets | 0.9335% | 2,062 |
| Net operating income to assets | 1.3859% | 1,058 |
| Return on assets (ROA) | 1.4290% | 1,030 |
| Pretax return on assets | 1.4296% | 1,625 |
| Return on Equity (ROE) | 14.9862% | 772 |
| Retained earnings to average equity (ytd only) | 7.7876% | 1,206 |
| Net charge-offs to loans | 1.1893% | 1,706 |
| Credit loss provision to net charge-offs | 90.5021% | 5,471 |
| Earnings coverage of net charge-offs (x) | 2.2492% | 4,141 |
| Efficiency ratio | 61.4635% | 6,201 |
| Assets per employee ($millions) | 3.1511% | 5,779 |
| Cash dividends to net income (ytd only)* | 48.0349% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3501% | 4,200 |
| Loan loss allowance to noncurrent loans | 34.4054% | 6,144 |
| Noncurrent assets plus other real estate owned to assets | 4.1951% | 1,496 |
| Noncurrent loans to loans | 3.9242% | 1,875 |
| Net loans and leases to total assets | 85.7259% | 366 |
| Net loans and leases to deposits | 114.8357% | 294 |
| Net loans and leases to core deposits | 130.7532% | 1,385 |
| Total domestic deposits to total assets | 74.6509% | 6,837 |
| Equity capital to assets | 9.7360% | 4,442 |
| Core capital (leverage) ratio | 9.4473% | 3,980 |
| Tier 1 risk-based capital ratio | 11.2061% | 5,743 |
| Total risk-based capital ratio | 12.4604% | 5,693 |
| Memoranda: | ||
| Average total assets | $213,666,250 | 3,041 |
| Average earning assets | $200,151,500 | 2,982 |
| Average equity | $20,373,750 | 3,183 |
| Average total loans | $185,316,250 | 2,485 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8145% | 442 |
| Cost of funding earning assets | 1.7863% | 4,827 |
| Net interest margin | 5.0282% | 405 |
| Noninterest income to average assets | 1.3801% | 801 |
| Noninterest expense to average assets | 3.6953% | 1,848 |
| Loan and lease loss provision to assets | 0.8386% | 1,998 |
| Net operating income to assets | 1.5581% | 744 |
| Return on assets (ROA) | 1.6228% | 719 |
| Pretax return on assets | 1.6237% | 1,159 |
| Return on Equity (ROE) | 17.1392% | 566 |
| Retained earnings to average equity (ytd only) | 13.1809% | 309 |
| Net charge-offs to loans | 0.8010% | 2,079 |
| Credit loss provision to net charge-offs | 120.7827% | 3,845 |
| Earnings coverage of net charge-offs (x) | 3.4534% | 3,433 |
| Efficiency ratio | 60.6489% | 6,452 |
| Assets per employee ($millions) | 3.1062% | 5,852 |
| Cash dividends to net income (ytd only)* | 23.0947% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5023% | 3,178 |
| Loan loss allowance to noncurrent loans | 41.1748% | 5,619 |
| Noncurrent assets plus other real estate owned to assets | 3.5454% | 1,756 |
| Noncurrent loans to loans | 3.6487% | 1,905 |
| Net loans and leases to total assets | 85.1817% | 479 |
| Net loans and leases to deposits | 126.7027% | 141 |
| Net loans and leases to core deposits | 146.8239% | 730 |
| Total domestic deposits to total assets | 67.2296% | 7,667 |
| Equity capital to assets | 9.6061% | 4,481 |
| Core capital (leverage) ratio | 9.5967% | 3,764 |
| Tier 1 risk-based capital ratio | 11.1287% | 5,743 |
| Total risk-based capital ratio | 12.3821% | 5,653 |
| Memoranda: | ||
| Average total assets | $213,463,000 | 3,066 |
| Average earning assets | $200,073,330 | 3,000 |
| Average equity | $20,211,000 | 3,210 |
| Average total loans | $185,020,330 | 2,513 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8235% | 463 |
| Cost of funding earning assets | 1.9363% | 4,455 |
| Net interest margin | 4.8871% | 517 |
| Noninterest income to average assets | 1.5983% | 537 |
| Noninterest expense to average assets | 3.7262% | 1,602 |
| Loan and lease loss provision to assets | 0.9817% | 1,320 |
| Net operating income to assets | 1.4716% | 996 |
| Return on assets (ROA) | 1.6021% | 860 |
| Pretax return on assets | 1.6040% | 1,396 |
| Return on Equity (ROE) | 17.0483% | 682 |
| Retained earnings to average equity (ytd only) | 8.9971% | 1,485 |
| Net charge-offs to loans | 0.3793% | 2,573 |
| Credit loss provision to net charge-offs | 298.2759% | 1,634 |
| Earnings coverage of net charge-offs (x) | 7.4598% | 2,343 |
| Efficiency ratio | 60.2815% | 6,357 |
| Assets per employee ($millions) | 3.2281% | 5,525 |
| Cash dividends to net income (ytd only)* | 47.2255% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6425% | 2,341 |
| Loan loss allowance to noncurrent loans | 56.8199% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 2.9753% | 1,895 |
| Noncurrent loans to loans | 2.8908% | 2,259 |
| Net loans and leases to total assets | 86.0715% | 434 |
| Net loans and leases to deposits | 126.6590% | 181 |
| Net loans and leases to core deposits | 147.5213% | 795 |
| Total domestic deposits to total assets | 67.9553% | 7,600 |
| Equity capital to assets | 9.5611% | 4,585 |
| Core capital (leverage) ratio | 9.2537% | 4,313 |
| Tier 1 risk-based capital ratio | 11.0361% | 5,878 |
| Total risk-based capital ratio | 12.2951% | 5,773 |
| Memoranda: | ||
| Average total assets | $211,477,500 | 3,098 |
| Average earning assets | $198,316,000 | 3,038 |
| Average equity | $19,873,000 | 3,274 |
| Average total loans | $183,511,000 | 2,547 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1499% | 813 |
| Cost of funding earning assets | 2.5882% | 3,740 |
| Net interest margin | 4.5617% | 1,284 |
| Noninterest income to average assets | 1.1654% | 1,138 |
| Noninterest expense to average assets | 3.6226% | 2,091 |
| Loan and lease loss provision to assets | 0.6945% | 2,110 |
| Net operating income to assets | 1.1095% | 2,108 |
| Return on assets (ROA) | 1.1414% | 1,901 |
| Pretax return on assets | 1.1381% | 2,886 |
| Return on Equity (ROE) | 12.7369% | 1,396 |
| Retained earnings to average equity (ytd only) | 3.6129% | 2,900 |
| Net charge-offs to loans | 0.5861% | 2,072 |
| Credit loss provision to net charge-offs | 138.7793% | 3,826 |
| Earnings coverage of net charge-offs (x) | 3.5981% | 4,299 |
| Efficiency ratio | 66.7966% | 4,947 |
| Assets per employee ($millions) | 3.2789% | 5,266 |
| Cash dividends to net income (ytd only)* | 71.6344% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4564% | 2,887 |
| Loan loss allowance to noncurrent loans | 55.5301% | 5,197 |
| Noncurrent assets plus other real estate owned to assets | 2.6984% | 1,760 |
| Noncurrent loans to loans | 2.6226% | 2,063 |
| Net loans and leases to total assets | 84.8005% | 757 |
| Net loans and leases to deposits | 116.8758% | 483 |
| Net loans and leases to core deposits | 136.7317% | 1,453 |
| Total domestic deposits to total assets | 72.5561% | 6,906 |
| Equity capital to assets | 9.2359% | 5,024 |
| Core capital (leverage) ratio | 9.0949% | 4,599 |
| Tier 1 risk-based capital ratio | 10.5878% | 6,119 |
| Total risk-based capital ratio | 11.8404% | 6,018 |
| Memoranda: | ||
| Average total assets | $212,802,000 | 2,968 |
| Average earning assets | $198,633,000 | 2,910 |
| Average equity | $19,070,600 | 3,382 |
| Average total loans | $181,705,000 | 2,482 |