Home > First Community Bank > Performance and Condition Ratios
First Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0449% | 5 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 213,923.0000% | 8 |
| Cost of funding earning assets | 1,129.0000% | 8 |
| Net interest margin | 0.0000% | 4,558 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 0.7897% | 2,881 |
| Pretax return on assets | 1.0039% | 2,677 |
| Return on Equity (ROE) | 10.3300% | 2,397 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0002% | 2,906 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 0.0635% | 2,824 |
| Efficiency ratio | 4.9244% | 4,566 |
| Assets per employee ($millions) | 0.5006% | 4,516 |
| Cash dividends to net income (ytd only)* | 11.0000% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13,859.0000% | 3 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 12.0000% | 6 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | 0.0000% | 4,474 |
| Net loans and leases to core deposits | 19,154.0000% | 9 |
| Total domestic deposits to total assets | 999.0000% | 14 |
| Equity capital to assets | 9,393.0000% | 36 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,909,000 | 4,594 |
| Average earning assets | $1,593 | 4,589 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3368% | 3,222 |
| Cost of funding earning assets | 1.2196% | 2,371 |
| Net interest margin | 3.1172% | 3,110 |
| Noninterest income to average assets | 0.6500% | 1,345 |
| Noninterest expense to average assets | 2.3929% | 2,534 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.8461% | 2,874 |
| Return on assets (ROA) | 0.7702% | 3,103 |
| Pretax return on assets | 0.9809% | 2,909 |
| Return on Equity (ROE) | 10.1000% | 2,608 |
| Retained earnings to average equity (ytd only) | 6.0796% | 2,600 |
| Net charge-offs to loans | -0.0005% | 3,441 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.6077% | 2,060 |
| Assets per employee ($millions) | 6.7249% | 2,165 |
| Cash dividends to net income (ytd only)* | 39.8025% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0772% | 2,983 |
| Loan loss allowance to noncurrent loans | 18,465.6250% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0407% | 3,389 |
| Noncurrent loans to loans | 0.0058% | 3,769 |
| Net loans and leases to total assets | 60.4500% | 2,795 |
| Net loans and leases to deposits | 72.3983% | 2,687 |
| Net loans and leases to core deposits | 76.6583% | 2,822 |
| Total domestic deposits to total assets | 83.4900% | 2,909 |
| Equity capital to assets | 7.4306% | 3,396 |
| Core capital (leverage) ratio | 8.6344% | 4,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5007% | 2,075 |
| Memoranda: | ||
| Average total assets | $1,735,860,750 | 647 |
| Average earning assets | $1,601,542,000 | 636 |
| Average equity | $132,373,250 | 742 |
| Average total loans | $1,027,545,500 | 711 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2144% | 3,266 |
| Cost of funding earning assets | 1.0518% | 2,452 |
| Net interest margin | 3.1626% | 3,072 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 2.3672% | 2,604 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.9058% | 2,738 |
| Return on assets (ROA) | 0.9057% | 2,718 |
| Pretax return on assets | 1.1558% | 2,487 |
| Return on Equity (ROE) | 11.7700% | 2,225 |
| Retained earnings to average equity (ytd only) | 7.7713% | 2,048 |
| Net charge-offs to loans | -0.0002% | 3,376 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.3660% | 2,186 |
| Assets per employee ($millions) | 6.5678% | 2,240 |
| Cash dividends to net income (ytd only)* | 33.9853% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 2,879 |
| Loan loss allowance to noncurrent loans | 13,754.7619% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 3,188 |
| Noncurrent loans to loans | 0.0081% | 3,740 |
| Net loans and leases to total assets | 58.8800% | 2,876 |
| Net loans and leases to deposits | 71.9143% | 2,653 |
| Net loans and leases to core deposits | 73.4061% | 2,930 |
| Total domestic deposits to total assets | 81.8800% | 3,257 |
| Equity capital to assets | 7.7038% | 3,403 |
| Core capital (leverage) ratio | 8.6270% | 4,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3498% | 1,775 |
| Memoranda: | ||
| Average total assets | $1,715,968,333 | 636 |
| Average earning assets | $1,583,569,667 | 629 |
| Average equity | $132,024,333 | 740 |
| Average total loans | $1,004,342,667 | 708 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0366% | 3,381 |
| Cost of funding earning assets | 0.8291% | 2,607 |
| Net interest margin | 3.2076% | 3,098 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.3476% | 2,683 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.9261% | 2,769 |
| Return on assets (ROA) | 0.9257% | 2,726 |
| Pretax return on assets | 1.1824% | 2,472 |
| Return on Equity (ROE) | 12.0400% | 2,206 |
| Retained earnings to average equity (ytd only) | 8.0339% | 2,206 |
| Net charge-offs to loans | -0.0045% | 3,601 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.9297% | 2,216 |
| Assets per employee ($millions) | 6.6994% | 2,197 |
| Cash dividends to net income (ytd only)* | 33.2742% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 2,825 |
| Loan loss allowance to noncurrent loans | 276.7814% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.2916% | 1,698 |
| Noncurrent loans to loans | 0.4151% | 1,686 |
| Net loans and leases to total assets | 56.6300% | 2,991 |
| Net loans and leases to deposits | 68.9566% | 2,696 |
| Net loans and leases to core deposits | 70.3188% | 2,933 |
| Total domestic deposits to total assets | 82.1200% | 3,468 |
| Equity capital to assets | 7.6996% | 3,445 |
| Core capital (leverage) ratio | 8.6784% | 4,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6323% | 1,756 |
| Memoranda: | ||
| Average total assets | $1,703,721,000 | 653 |
| Average earning assets | $1,573,780,500 | 645 |
| Average equity | $130,995,500 | 755 |
| Average total loans | $988,334,000 | 731 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3499% | 3,471 |
| Cost of funding earning assets | 0.1638% | 4,039 |
| Net interest margin | 3.1862% | 2,911 |
| Noninterest income to average assets | 0.6800% | 1,362 |
| Noninterest expense to average assets | 2.4187% | 2,364 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 0.9637% | 2,705 |
| Return on assets (ROA) | 0.9638% | 2,650 |
| Pretax return on assets | 1.2151% | 2,388 |
| Return on Equity (ROE) | 11.9200% | 2,167 |
| Retained earnings to average equity (ytd only) | 8.5727% | 1,617 |
| Net charge-offs to loans | -0.0335% | 4,230 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.4681% | 2,151 |
| Assets per employee ($millions) | 6.5838% | 2,268 |
| Cash dividends to net income (ytd only)* | 28.0798% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 2,627 |
| Loan loss allowance to noncurrent loans | 231.4887% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.3487% | 1,462 |
| Noncurrent loans to loans | 0.4984% | 1,451 |
| Net loans and leases to total assets | 58.0800% | 2,815 |
| Net loans and leases to deposits | 69.8845% | 2,590 |
| Net loans and leases to core deposits | 71.1123% | 2,792 |
| Total domestic deposits to total assets | 83.1100% | 3,395 |
| Equity capital to assets | 7.6775% | 3,272 |
| Core capital (leverage) ratio | 8.6256% | 4,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5424% | 1,774 |
| Memoranda: | ||
| Average total assets | $1,649,122,400 | 655 |
| Average earning assets | $1,525,248,800 | 646 |
| Average equity | $133,342,000 | 738 |
| Average total loans | $922,836,800 | 736 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1609% | 3,537 |
| Cost of funding earning assets | 0.0924% | 4,335 |
| Net interest margin | 3.0685% | 3,026 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 2.3980% | 2,342 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | 0.9313% | 2,754 |
| Return on assets (ROA) | 0.9313% | 2,721 |
| Pretax return on assets | 1.1689% | 2,495 |
| Return on Equity (ROE) | 11.3700% | 2,246 |
| Retained earnings to average equity (ytd only) | 8.1199% | 1,958 |
| Net charge-offs to loans | -0.0460% | 4,290 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.2300% | 2,130 |
| Assets per employee ($millions) | 6.5847% | 2,250 |
| Cash dividends to net income (ytd only)* | 28.5938% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1886% | 2,587 |
| Loan loss allowance to noncurrent loans | 230.6830% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.3563% | 1,521 |
| Noncurrent loans to loans | 0.5152% | 1,509 |
| Net loans and leases to total assets | 56.9100% | 2,811 |
| Net loans and leases to deposits | 65.2195% | 2,774 |
| Net loans and leases to core deposits | 66.3226% | 2,935 |
| Total domestic deposits to total assets | 87.2700% | 2,674 |
| Equity capital to assets | 7.5203% | 3,213 |
| Core capital (leverage) ratio | 8.5255% | 4,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4909% | 1,878 |
| Memoranda: | ||
| Average total assets | $1,643,329,250 | 661 |
| Average earning assets | $1,520,361,000 | 654 |
| Average equity | $134,579,750 | 741 |
| Average total loans | $907,887,000 | 746 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9923% | 3,581 |
| Cost of funding earning assets | 0.0910% | 4,285 |
| Net interest margin | 2.9013% | 3,171 |
| Noninterest income to average assets | 0.7565% | 1,159 |
| Noninterest expense to average assets | 2.3845% | 2,281 |
| Loan and lease loss provision to assets | -0.0238% | 4,444 |
| Net operating income to assets | 0.8677% | 2,701 |
| Return on assets (ROA) | 0.8676% | 2,679 |
| Pretax return on assets | 1.0796% | 2,482 |
| Return on Equity (ROE) | 10.3109% | 2,227 |
| Retained earnings to average equity (ytd only) | 7.1720% | 1,929 |
| Net charge-offs to loans | -0.0528% | 4,260 |
| Credit loss provision to net charge-offs | 82.6271% | 1,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0271% | 2,102 |
| Assets per employee ($millions) | 6.9601% | 1,967 |
| Cash dividends to net income (ytd only)* | 30.4427% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2184% | 2,600 |
| Loan loss allowance to noncurrent loans | 257.8125% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.3168% | 1,741 |
| Noncurrent loans to loans | 0.4726% | 1,698 |
| Net loans and leases to total assets | 54.0059% | 2,964 |
| Net loans and leases to deposits | 61.7365% | 2,908 |
| Net loans and leases to core deposits | 62.9593% | 3,032 |
| Total domestic deposits to total assets | 87.4780% | 2,774 |
| Equity capital to assets | 7.5189% | 3,464 |
| Core capital (leverage) ratio | 8.3359% | 4,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5679% | 1,840 |
| Memoranda: | ||
| Average total assets | $1,640,185,667 | 659 |
| Average earning assets | $1,517,299,000 | 654 |
| Average equity | $138,009,000 | 732 |
| Average total loans | $893,193,333 | 744 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9899% | 3,284 |
| Cost of funding earning assets | 0.0959% | 4,187 |
| Net interest margin | 2.8940% | 2,861 |
| Noninterest income to average assets | 0.8093% | 1,021 |
| Noninterest expense to average assets | 2.3900% | 2,198 |
| Loan and lease loss provision to assets | -0.0309% | 4,481 |
| Net operating income to assets | 0.9182% | 2,210 |
| Return on assets (ROA) | 0.9184% | 2,206 |
| Pretax return on assets | 1.1282% | 2,057 |
| Return on Equity (ROE) | 10.3416% | 1,845 |
| Retained earnings to average equity (ytd only) | 7.3324% | 1,789 |
| Net charge-offs to loans | -0.0041% | 3,281 |
| Credit loss provision to net charge-offs | 1,388.8889% | 281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2617% | 2,471 |
| Assets per employee ($millions) | 6.5827% | 2,309 |
| Cash dividends to net income (ytd only)* | 29.0983% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 2,622 |
| Loan loss allowance to noncurrent loans | 3,425.0774% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0889% | 3,189 |
| Noncurrent loans to loans | 0.0364% | 3,721 |
| Net loans and leases to total assets | 53.0687% | 2,868 |
| Net loans and leases to deposits | 61.0767% | 2,799 |
| Net loans and leases to core deposits | 62.3115% | 2,943 |
| Total domestic deposits to total assets | 86.8887% | 2,967 |
| Equity capital to assets | 8.2229% | 3,383 |
| Core capital (leverage) ratio | 8.4298% | 3,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0272% | 1,786 |
| Memoranda: | ||
| Average total assets | $1,618,106,000 | 663 |
| Average earning assets | $1,497,175,000 | 664 |
| Average equity | $143,691,000 | 730 |
| Average total loans | $879,357,500 | 741 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4040% | 2,921 |
| Cost of funding earning assets | 0.1308% | 4,147 |
| Net interest margin | 3.2731% | 2,395 |
| Noninterest income to average assets | 0.8970% | 1,207 |
| Noninterest expense to average assets | 2.5219% | 2,118 |
| Loan and lease loss provision to assets | 0.0222% | 2,625 |
| Net operating income to assets | 1.0866% | 2,347 |
| Return on assets (ROA) | 1.0868% | 2,418 |
| Pretax return on assets | 1.3794% | 2,114 |
| Return on Equity (ROE) | 11.0793% | 2,140 |
| Retained earnings to average equity (ytd only) | 8.3652% | 1,401 |
| Net charge-offs to loans | -0.0514% | 4,336 |
| Credit loss provision to net charge-offs | -73.6264% | 3,305 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9408% | 2,576 |
| Assets per employee ($millions) | 6.3358% | 2,460 |
| Cash dividends to net income (ytd only)* | 24.4971% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2837% | 2,437 |
| Loan loss allowance to noncurrent loans | 4,453.7849% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0894% | 3,313 |
| Noncurrent loans to loans | 0.0288% | 3,868 |
| Net loans and leases to total assets | 54.2718% | 2,814 |
| Net loans and leases to deposits | 62.9739% | 2,788 |
| Net loans and leases to core deposits | 64.2277% | 2,961 |
| Total domestic deposits to total assets | 86.1815% | 2,843 |
| Equity capital to assets | 9.5658% | 3,080 |
| Core capital (leverage) ratio | 8.4531% | 3,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1481% | 1,796 |
| Memoranda: | ||
| Average total assets | $1,509,516,400 | 682 |
| Average earning assets | $1,395,659,800 | 683 |
| Average equity | $148,078,400 | 724 |
| Average total loans | $886,002,600 | 735 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4724% | 2,921 |
| Cost of funding earning assets | 0.1391% | 4,198 |
| Net interest margin | 3.3333% | 2,327 |
| Noninterest income to average assets | 0.8942% | 1,273 |
| Noninterest expense to average assets | 2.5448% | 1,988 |
| Loan and lease loss provision to assets | 0.0352% | 2,297 |
| Net operating income to assets | 1.0966% | 2,567 |
| Return on assets (ROA) | 1.0968% | 2,624 |
| Pretax return on assets | 1.3923% | 2,369 |
| Return on Equity (ROE) | 11.1070% | 2,341 |
| Retained earnings to average equity (ytd only) | 8.3774% | 1,924 |
| Net charge-offs to loans | -0.0363% | 4,217 |
| Credit loss provision to net charge-offs | -162.8099% | 3,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7031% | 2,435 |
| Assets per employee ($millions) | 6.4190% | 2,318 |
| Cash dividends to net income (ytd only)* | 24.5760% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2419% | 2,781 |
| Loan loss allowance to noncurrent loans | 3,062.5000% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0978% | 3,450 |
| Noncurrent loans to loans | 0.0406% | 3,922 |
| Net loans and leases to total assets | 56.2060% | 2,706 |
| Net loans and leases to deposits | 65.5545% | 2,671 |
| Net loans and leases to core deposits | 66.8649% | 2,873 |
| Total domestic deposits to total assets | 85.7394% | 2,851 |
| Equity capital to assets | 9.5970% | 3,289 |
| Core capital (leverage) ratio | 8.5559% | 3,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7391% | 2,073 |
| Memoranda: | ||
| Average total assets | $1,490,906,000 | 697 |
| Average earning assets | $1,376,692,000 | 692 |
| Average equity | $147,218,250 | 738 |
| Average total loans | $889,797,750 | 745 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3795% | 3,233 |
| Cost of funding earning assets | 0.1498% | 4,208 |
| Net interest margin | 3.2297% | 2,665 |
| Noninterest income to average assets | 0.8898% | 1,296 |
| Noninterest expense to average assets | 2.5639% | 1,952 |
| Loan and lease loss provision to assets | 0.0470% | 2,081 |
| Net operating income to assets | 0.9945% | 2,905 |
| Return on assets (ROA) | 0.9947% | 2,988 |
| Pretax return on assets | 1.2577% | 2,743 |
| Return on Equity (ROE) | 9.9745% | 2,747 |
| Retained earnings to average equity (ytd only) | 7.2312% | 2,348 |
| Net charge-offs to loans | 0.0216% | 1,514 |
| Credit loss provision to net charge-offs | 359.3750% | 814 |
| Earnings coverage of net charge-offs (x) | 99.7292% | 754 |
| Efficiency ratio | 65.8953% | 2,177 |
| Assets per employee ($millions) | 6.0845% | 2,532 |
| Cash dividends to net income (ytd only)* | 27.5031% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 2,955 |
| Loan loss allowance to noncurrent loans | 130.5276% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.6160% | 1,352 |
| Noncurrent loans to loans | 0.9160% | 1,349 |
| Net loans and leases to total assets | 58.0245% | 2,665 |
| Net loans and leases to deposits | 67.9469% | 2,625 |
| Net loans and leases to core deposits | 69.3331% | 2,840 |
| Total domestic deposits to total assets | 85.3967% | 2,943 |
| Equity capital to assets | 9.8078% | 3,047 |
| Core capital (leverage) ratio | 8.4758% | 4,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6616% | 2,102 |
| Memoranda: | ||
| Average total assets | $1,467,937,333 | 703 |
| Average earning assets | $1,353,767,000 | 697 |
| Average equity | $146,392,667 | 736 |
| Average total loans | $890,486,000 | 747 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3720% | 3,279 |
| Cost of funding earning assets | 0.1645% | 4,205 |
| Net interest margin | 3.2076% | 2,672 |
| Noninterest income to average assets | 0.8926% | 1,349 |
| Noninterest expense to average assets | 2.5791% | 1,935 |
| Loan and lease loss provision to assets | 0.0490% | 2,106 |
| Net operating income to assets | 0.9608% | 2,928 |
| Return on assets (ROA) | 0.9612% | 3,021 |
| Pretax return on assets | 1.2196% | 2,790 |
| Return on Equity (ROE) | 9.5559% | 2,836 |
| Retained earnings to average equity (ytd only) | 6.7945% | 2,640 |
| Net charge-offs to loans | 0.0013% | 1,891 |
| Credit loss provision to net charge-offs | 5,900.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 1,526.3333% | 54 |
| Efficiency ratio | 66.6283% | 2,142 |
| Assets per employee ($millions) | 6.1409% | 2,465 |
| Cash dividends to net income (ytd only)* | 28.8966% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1835% | 3,010 |
| Loan loss allowance to noncurrent loans | 233.6947% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.3746% | 2,301 |
| Noncurrent loans to loans | 0.5064% | 2,341 |
| Net loans and leases to total assets | 59.1049% | 2,660 |
| Net loans and leases to deposits | 69.1687% | 2,588 |
| Net loans and leases to core deposits | 70.5919% | 2,822 |
| Total domestic deposits to total assets | 85.4503% | 2,948 |
| Equity capital to assets | 9.6128% | 3,087 |
| Core capital (leverage) ratio | 8.7347% | 3,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3395% | 2,145 |
| Memoranda: | ||
| Average total assets | $1,444,384,000 | 706 |
| Average earning assets | $1,330,469,000 | 704 |
| Average equity | $145,293,000 | 732 |
| Average total loans | $890,862,000 | 742 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7079% | 3,556 |
| Cost of funding earning assets | 0.2727% | 4,284 |
| Net interest margin | 3.4351% | 2,654 |
| Noninterest income to average assets | 1.0272% | 997 |
| Noninterest expense to average assets | 2.8341% | 1,852 |
| Loan and lease loss provision to assets | 0.2835% | 1,343 |
| Net operating income to assets | 0.8389% | 2,945 |
| Return on assets (ROA) | 0.8450% | 3,051 |
| Pretax return on assets | 1.0551% | 2,859 |
| Return on Equity (ROE) | 7.7916% | 2,893 |
| Retained earnings to average equity (ytd only) | 4.8240% | 2,358 |
| Net charge-offs to loans | -0.0120% | 4,299 |
| Credit loss provision to net charge-offs | -3,700.0000% | 4,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3691% | 2,317 |
| Assets per employee ($millions) | 5.7235% | 2,603 |
| Cash dividends to net income (ytd only)* | 38.0874% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1684% | 3,115 |
| Loan loss allowance to noncurrent loans | 178.4745% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.5023% | 2,063 |
| Noncurrent loans to loans | 0.6547% | 2,043 |
| Net loans and leases to total assets | 62.9264% | 2,493 |
| Net loans and leases to deposits | 73.6398% | 2,519 |
| Net loans and leases to core deposits | 75.3506% | 2,789 |
| Total domestic deposits to total assets | 85.4516% | 2,589 |
| Equity capital to assets | 10.5361% | 2,640 |
| Core capital (leverage) ratio | 8.8369% | 3,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9398% | 2,258 |
| Memoranda: | ||
| Average total assets | $1,292,011,200 | 706 |
| Average earning assets | $1,180,250,400 | 714 |
| Average equity | $140,112,800 | 714 |
| Average total loans | $826,348,400 | 764 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7358% | 3,708 |
| Cost of funding earning assets | 0.2990% | 4,315 |
| Net interest margin | 3.4368% | 2,792 |
| Noninterest income to average assets | 1.0312% | 977 |
| Noninterest expense to average assets | 2.8668% | 1,783 |
| Loan and lease loss provision to assets | 0.3567% | 1,057 |
| Net operating income to assets | 0.7602% | 3,249 |
| Return on assets (ROA) | 0.7685% | 3,332 |
| Pretax return on assets | 0.9514% | 3,228 |
| Return on Equity (ROE) | 7.0310% | 3,181 |
| Retained earnings to average equity (ytd only) | 3.9915% | 3,050 |
| Net charge-offs to loans | -0.0163% | 4,361 |
| Credit loss provision to net charge-offs | -3,421.2121% | 4,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0888% | 2,180 |
| Assets per employee ($millions) | 5.8346% | 2,412 |
| Cash dividends to net income (ytd only)* | 43.2292% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1465% | 2,957 |
| Loan loss allowance to noncurrent loans | 598.7567% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.2171% | 3,360 |
| Noncurrent loans to loans | 0.1915% | 3,627 |
| Net loans and leases to total assets | 63.0559% | 2,880 |
| Net loans and leases to deposits | 74.0494% | 2,951 |
| Net loans and leases to core deposits | 75.9981% | 3,163 |
| Total domestic deposits to total assets | 85.1538% | 2,377 |
| Equity capital to assets | 10.4232% | 2,857 |
| Core capital (leverage) ratio | 8.9517% | 3,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0783% | 2,163 |
| Memoranda: | ||
| Average total assets | $1,265,880,750 | 707 |
| Average earning assets | $1,154,134,000 | 716 |
| Average equity | $138,356,000 | 717 |
| Average total loans | $810,641,250 | 768 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8326% | 3,782 |
| Cost of funding earning assets | 0.3414% | 4,306 |
| Net interest margin | 3.4912% | 2,818 |
| Noninterest income to average assets | 1.0055% | 975 |
| Noninterest expense to average assets | 2.8957% | 1,838 |
| Loan and lease loss provision to assets | 0.3790% | 1,097 |
| Net operating income to assets | 0.7258% | 3,298 |
| Return on assets (ROA) | 0.7256% | 3,405 |
| Pretax return on assets | 0.9031% | 3,307 |
| Return on Equity (ROE) | 6.5249% | 3,323 |
| Retained earnings to average equity (ytd only) | 3.4186% | 3,214 |
| Net charge-offs to loans | 0.0041% | 2,833 |
| Credit loss provision to net charge-offs | 14,531.2500% | 85 |
| Earnings coverage of net charge-offs (x) | 491.6875% | 210 |
| Efficiency ratio | 68.5264% | 2,163 |
| Assets per employee ($millions) | 5.4771% | 2,661 |
| Cash dividends to net income (ytd only)* | 47.6073% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 3,322 |
| Loan loss allowance to noncurrent loans | 494.7951% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.2456% | 3,332 |
| Noncurrent loans to loans | 0.2123% | 3,623 |
| Net loans and leases to total assets | 63.5204% | 2,934 |
| Net loans and leases to deposits | 75.0038% | 2,973 |
| Net loans and leases to core deposits | 76.9741% | 3,197 |
| Total domestic deposits to total assets | 84.6896% | 2,508 |
| Equity capital to assets | 10.6981% | 2,574 |
| Core capital (leverage) ratio | 9.3133% | 3,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0264% | 2,171 |
| Memoranda: | ||
| Average total assets | $1,226,909,333 | 716 |
| Average earning assets | $1,114,966,333 | 725 |
| Average equity | $136,430,667 | 721 |
| Average total loans | $786,839,333 | 782 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0218% | 3,729 |
| Cost of funding earning assets | 0.4230% | 4,265 |
| Net interest margin | 3.5988% | 2,666 |
| Noninterest income to average assets | 0.9714% | 909 |
| Noninterest expense to average assets | 3.0074% | 1,875 |
| Loan and lease loss provision to assets | 0.3651% | 843 |
| Net operating income to assets | 0.6835% | 3,329 |
| Return on assets (ROA) | 0.6824% | 3,400 |
| Pretax return on assets | 0.8512% | 3,282 |
| Return on Equity (ROE) | 6.0084% | 3,314 |
| Retained earnings to average equity (ytd only) | 2.8322% | 3,149 |
| Net charge-offs to loans | 0.0042% | 2,424 |
| Credit loss provision to net charge-offs | 13,437.5000% | 56 |
| Earnings coverage of net charge-offs (x) | 448.1250% | 146 |
| Efficiency ratio | 70.3352% | 2,302 |
| Assets per employee ($millions) | 4.8975% | 2,756 |
| Cash dividends to net income (ytd only)* | 52.8621% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0104% | 3,648 |
| Loan loss allowance to noncurrent loans | 403.6726% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.2858% | 3,306 |
| Noncurrent loans to loans | 0.2503% | 3,591 |
| Net loans and leases to total assets | 63.5987% | 3,114 |
| Net loans and leases to deposits | 76.1299% | 3,063 |
| Net loans and leases to core deposits | 78.4173% | 3,321 |
| Total domestic deposits to total assets | 83.5397% | 2,934 |
| Equity capital to assets | 11.4673% | 2,466 |
| Core capital (leverage) ratio | 9.9073% | 3,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2506% | 2,178 |
| Memoranda: | ||
| Average total assets | $1,177,638,000 | 709 |
| Average earning assets | $1,064,690,500 | 718 |
| Average equity | $133,747,000 | 730 |
| Average total loans | $754,824,500 | 786 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2108% | 3,785 |
| Cost of funding earning assets | 0.4962% | 4,112 |
| Net interest margin | 3.7146% | 2,770 |
| Noninterest income to average assets | 1.0089% | 953 |
| Noninterest expense to average assets | 3.0289% | 1,940 |
| Loan and lease loss provision to assets | 0.0124% | 3,767 |
| Net operating income to assets | 1.0461% | 2,671 |
| Return on assets (ROA) | 1.0559% | 2,730 |
| Pretax return on assets | 1.3337% | 2,385 |
| Return on Equity (ROE) | 9.2585% | 2,635 |
| Retained earnings to average equity (ytd only) | 3.7369% | 3,111 |
| Net charge-offs to loans | -0.0306% | 4,714 |
| Credit loss provision to net charge-offs | -61.7778% | 4,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3568% | 2,409 |
| Assets per employee ($millions) | 4.8350% | 2,794 |
| Cash dividends to net income (ytd only)* | 59.6383% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8857% | 4,028 |
| Loan loss allowance to noncurrent loans | 284.5427% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.3195% | 3,139 |
| Noncurrent loans to loans | 0.3113% | 3,327 |
| Net loans and leases to total assets | 63.3767% | 3,268 |
| Net loans and leases to deposits | 74.7716% | 3,282 |
| Net loans and leases to core deposits | 77.1194% | 3,505 |
| Total domestic deposits to total assets | 84.7605% | 2,588 |
| Equity capital to assets | 11.2457% | 2,767 |
| Core capital (leverage) ratio | 9.9681% | 3,556 |
| Tier 1 risk-based capital ratio | 13.4702% | 3,537 |
| Total risk-based capital ratio | 14.2619% | 3,660 |
| Memoranda: | ||
| Average total assets | $1,120,680,200 | 708 |
| Average earning assets | $1,011,822,400 | 720 |
| Average equity | $127,807,200 | 717 |
| Average total loans | $735,374,600 | 776 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2455% | 3,819 |
| Cost of funding earning assets | 0.5032% | 4,127 |
| Net interest margin | 3.7423% | 2,775 |
| Noninterest income to average assets | 1.0174% | 905 |
| Noninterest expense to average assets | 3.0385% | 1,863 |
| Loan and lease loss provision to assets | 0.0167% | 3,578 |
| Net operating income to assets | 1.0602% | 2,738 |
| Return on assets (ROA) | 1.0732% | 2,764 |
| Pretax return on assets | 1.3535% | 2,481 |
| Return on Equity (ROE) | 9.3757% | 2,730 |
| Retained earnings to average equity (ytd only) | 3.0079% | 3,881 |
| Net charge-offs to loans | -0.0288% | 4,690 |
| Credit loss provision to net charge-offs | -87.9747% | 4,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0918% | 2,402 |
| Assets per employee ($millions) | 4.6685% | 2,951 |
| Cash dividends to net income (ytd only)* | 67.9184% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8795% | 4,128 |
| Loan loss allowance to noncurrent loans | 284.1057% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.3294% | 3,223 |
| Noncurrent loans to loans | 0.3096% | 3,416 |
| Net loans and leases to total assets | 65.4368% | 3,122 |
| Net loans and leases to deposits | 77.6328% | 3,136 |
| Net loans and leases to core deposits | 80.2560% | 3,372 |
| Total domestic deposits to total assets | 84.2902% | 2,717 |
| Equity capital to assets | 11.5435% | 2,635 |
| Core capital (leverage) ratio | 10.1183% | 3,513 |
| Tier 1 risk-based capital ratio | 13.3868% | 3,642 |
| Total risk-based capital ratio | 14.1758% | 3,785 |
| Memoranda: | ||
| Average total assets | $1,108,331,250 | 718 |
| Average earning assets | $999,503,750 | 727 |
| Average equity | $126,863,250 | 716 |
| Average total loans | $732,172,500 | 779 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2210% | 3,869 |
| Cost of funding earning assets | 0.4932% | 4,146 |
| Net interest margin | 3.7278% | 2,840 |
| Noninterest income to average assets | 0.9837% | 900 |
| Noninterest expense to average assets | 3.0233% | 1,939 |
| Loan and lease loss provision to assets | 0.0207% | 3,381 |
| Net operating income to assets | 1.0327% | 2,790 |
| Return on assets (ROA) | 1.0523% | 2,781 |
| Pretax return on assets | 1.3278% | 2,446 |
| Return on Equity (ROE) | 9.2203% | 2,770 |
| Retained earnings to average equity (ytd only) | 4.3985% | 3,066 |
| Net charge-offs to loans | 0.0041% | 3,021 |
| Credit loss provision to net charge-offs | 760.0000% | 435 |
| Earnings coverage of net charge-offs (x) | 485.8667% | 157 |
| Efficiency ratio | 68.4466% | 2,456 |
| Assets per employee ($millions) | 4.5714% | 3,035 |
| Cash dividends to net income (ytd only)* | 52.2955% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8651% | 4,217 |
| Loan loss allowance to noncurrent loans | 236.4177% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.3678% | 3,049 |
| Noncurrent loans to loans | 0.3659% | 3,211 |
| Net loans and leases to total assets | 65.3630% | 3,181 |
| Net loans and leases to deposits | 77.4949% | 3,191 |
| Net loans and leases to core deposits | 80.1055% | 3,412 |
| Total domestic deposits to total assets | 84.3449% | 2,741 |
| Equity capital to assets | 11.5730% | 2,550 |
| Core capital (leverage) ratio | 10.1976% | 3,385 |
| Tier 1 risk-based capital ratio | 13.4733% | 3,597 |
| Total risk-based capital ratio | 14.2473% | 3,746 |
| Memoranda: | ||
| Average total assets | $1,101,183,330 | 722 |
| Average earning assets | $993,500,670 | 731 |
| Average equity | $125,679,000 | 718 |
| Average total loans | $727,613,670 | 780 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1971% | 3,879 |
| Cost of funding earning assets | 0.4684% | 4,211 |
| Net interest margin | 3.7287% | 2,786 |
| Noninterest income to average assets | 0.9020% | 1,036 |
| Noninterest expense to average assets | 2.9878% | 2,027 |
| Loan and lease loss provision to assets | 0.0384% | 2,859 |
| Net operating income to assets | 0.9909% | 2,881 |
| Return on assets (ROA) | 0.9828% | 2,955 |
| Pretax return on assets | 1.2332% | 2,690 |
| Return on Equity (ROE) | 8.6728% | 2,963 |
| Retained earnings to average equity (ytd only) | 5.4108% | 2,731 |
| Net charge-offs to loans | 0.0077% | 2,418 |
| Credit loss provision to net charge-offs | 750.0000% | 454 |
| Earnings coverage of net charge-offs (x) | 250.4286% | 322 |
| Efficiency ratio | 68.8474% | 2,522 |
| Assets per employee ($millions) | 4.7686% | 2,826 |
| Cash dividends to net income (ytd only)* | 37.6116% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8755% | 4,258 |
| Loan loss allowance to noncurrent loans | 237.1781% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.3774% | 3,079 |
| Noncurrent loans to loans | 0.3692% | 3,261 |
| Net loans and leases to total assets | 65.5885% | 3,107 |
| Net loans and leases to deposits | 77.7983% | 3,081 |
| Net loans and leases to core deposits | 80.4935% | 3,318 |
| Total domestic deposits to total assets | 84.3059% | 2,944 |
| Equity capital to assets | 11.4849% | 2,411 |
| Core capital (leverage) ratio | 10.1863% | 3,405 |
| Tier 1 risk-based capital ratio | 13.3840% | 3,675 |
| Total risk-based capital ratio | 14.1608% | 3,818 |
| Memoranda: | ||
| Average total assets | $1,094,062,500 | 727 |
| Average earning assets | $988,109,500 | 737 |
| Average equity | $123,974,500 | 727 |
| Average total loans | $723,702,000 | 786 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0779% | 3,808 |
| Cost of funding earning assets | 0.3457% | 4,309 |
| Net interest margin | 3.7322% | 2,930 |
| Noninterest income to average assets | 0.9922% | 957 |
| Noninterest expense to average assets | 2.9068% | 2,327 |
| Loan and lease loss provision to assets | 0.0321% | 3,542 |
| Net operating income to assets | 1.1443% | 2,414 |
| Return on assets (ROA) | 1.1189% | 2,518 |
| Pretax return on assets | 1.3909% | 2,167 |
| Return on Equity (ROE) | 10.2739% | 2,408 |
| Retained earnings to average equity (ytd only) | 7.1063% | 1,623 |
| Net charge-offs to loans | -0.0174% | 4,660 |
| Credit loss provision to net charge-offs | -288.3333% | 4,534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4509% | 2,960 |
| Assets per employee ($millions) | 4.8289% | 2,699 |
| Cash dividends to net income (ytd only)* | 30.8311% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8678% | 4,305 |
| Loan loss allowance to noncurrent loans | 246.0904% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.3670% | 3,085 |
| Noncurrent loans to loans | 0.3526% | 3,281 |
| Net loans and leases to total assets | 65.5545% | 3,195 |
| Net loans and leases to deposits | 76.8348% | 3,287 |
| Net loans and leases to core deposits | 79.2022% | 3,483 |
| Total domestic deposits to total assets | 85.3187% | 2,506 |
| Equity capital to assets | 11.1775% | 2,535 |
| Core capital (leverage) ratio | 9.9824% | 3,600 |
| Tier 1 risk-based capital ratio | 13.1893% | 3,731 |
| Total risk-based capital ratio | 13.9555% | 3,897 |
| Memoranda: | ||
| Average total assets | $1,078,694,000 | 711 |
| Average earning assets | $973,862,000 | 727 |
| Average equity | $117,473,000 | 733 |
| Average total loans | $688,611,400 | 801 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0003% | 3,931 |
| Cost of funding earning assets | 0.3207% | 4,374 |
| Net interest margin | 3.6796% | 3,089 |
| Noninterest income to average assets | 1.0143% | 932 |
| Noninterest expense to average assets | 2.8976% | 2,310 |
| Loan and lease loss provision to assets | 0.0312% | 3,392 |
| Net operating income to assets | 1.1361% | 2,507 |
| Return on assets (ROA) | 1.1353% | 2,529 |
| Pretax return on assets | 1.4047% | 2,208 |
| Return on Equity (ROE) | 10.4949% | 2,393 |
| Retained earnings to average equity (ytd only) | 7.3309% | 1,957 |
| Net charge-offs to loans | -0.0319% | 4,773 |
| Credit loss provision to net charge-offs | -154.6012% | 4,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6285% | 2,936 |
| Assets per employee ($millions) | 4.6816% | 2,868 |
| Cash dividends to net income (ytd only)* | 30.1485% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8848% | 4,326 |
| Loan loss allowance to noncurrent loans | 213.9118% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.4423% | 2,913 |
| Noncurrent loans to loans | 0.4136% | 3,169 |
| Net loans and leases to total assets | 63.7905% | 3,452 |
| Net loans and leases to deposits | 75.0652% | 3,497 |
| Net loans and leases to core deposits | 77.3598% | 3,706 |
| Total domestic deposits to total assets | 84.9802% | 2,613 |
| Equity capital to assets | 10.7984% | 2,844 |
| Core capital (leverage) ratio | 9.8422% | 3,803 |
| Tier 1 risk-based capital ratio | 13.2736% | 3,742 |
| Total risk-based capital ratio | 14.0534% | 3,921 |
| Memoranda: | ||
| Average total assets | $1,075,532,500 | 712 |
| Average earning assets | $970,470,000 | 726 |
| Average equity | $116,345,250 | 732 |
| Average total loans | $680,343,000 | 814 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9660% | 3,883 |
| Cost of funding earning assets | 0.2770% | 4,578 |
| Net interest margin | 3.6889% | 2,974 |
| Noninterest income to average assets | 1.0108% | 938 |
| Noninterest expense to average assets | 2.8902% | 2,383 |
| Loan and lease loss provision to assets | 0.0433% | 3,027 |
| Net operating income to assets | 1.1450% | 2,414 |
| Return on assets (ROA) | 1.1436% | 2,425 |
| Pretax return on assets | 1.4019% | 2,138 |
| Return on Equity (ROE) | 10.5659% | 2,300 |
| Retained earnings to average equity (ytd only) | 7.4242% | 1,875 |
| Net charge-offs to loans | -0.0172% | 4,504 |
| Credit loss provision to net charge-offs | -400.0000% | 4,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4116% | 3,080 |
| Assets per employee ($millions) | 4.6445% | 2,896 |
| Cash dividends to net income (ytd only)* | 29.7337% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8805% | 4,417 |
| Loan loss allowance to noncurrent loans | 155.3995% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.5260% | 2,660 |
| Noncurrent loans to loans | 0.5666% | 2,716 |
| Net loans and leases to total assets | 62.7793% | 3,523 |
| Net loans and leases to deposits | 73.0395% | 3,626 |
| Net loans and leases to core deposits | 76.0793% | 3,740 |
| Total domestic deposits to total assets | 85.9526% | 2,303 |
| Equity capital to assets | 10.6965% | 2,936 |
| Core capital (leverage) ratio | 9.7666% | 3,824 |
| Tier 1 risk-based capital ratio | 13.1709% | 3,811 |
| Total risk-based capital ratio | 13.9454% | 3,971 |
| Memoranda: | ||
| Average total assets | $1,070,441,330 | 714 |
| Average earning assets | $965,210,000 | 731 |
| Average equity | $115,863,670 | 733 |
| Average total loans | $673,109,670 | 819 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9062% | 3,912 |
| Cost of funding earning assets | 0.2676% | 4,597 |
| Net interest margin | 3.6386% | 3,034 |
| Noninterest income to average assets | 1.0038% | 904 |
| Noninterest expense to average assets | 2.8047% | 2,669 |
| Loan and lease loss provision to assets | 0.0762% | 2,238 |
| Net operating income to assets | 1.1199% | 2,334 |
| Return on assets (ROA) | 1.0891% | 2,492 |
| Pretax return on assets | 1.3627% | 2,138 |
| Return on Equity (ROE) | 10.0016% | 2,424 |
| Retained earnings to average equity (ytd only) | 6.8688% | 2,339 |
| Net charge-offs to loans | 0.0078% | 2,454 |
| Credit loss provision to net charge-offs | 1,553.8462% | 228 |
| Earnings coverage of net charge-offs (x) | 301.1538% | 229 |
| Efficiency ratio | 64.2461% | 3,436 |
| Assets per employee ($millions) | 4.6513% | 2,928 |
| Cash dividends to net income (ytd only)* | 31.3236% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8853% | 4,507 |
| Loan loss allowance to noncurrent loans | 190.0317% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.4708% | 2,969 |
| Noncurrent loans to loans | 0.4659% | 3,134 |
| Net loans and leases to total assets | 62.6417% | 3,469 |
| Net loans and leases to deposits | 72.4814% | 3,554 |
| Net loans and leases to core deposits | 75.4815% | 3,709 |
| Total domestic deposits to total assets | 86.4244% | 2,349 |
| Equity capital to assets | 10.7792% | 2,793 |
| Core capital (leverage) ratio | 9.6999% | 3,845 |
| Tier 1 risk-based capital ratio | 13.1527% | 3,876 |
| Total risk-based capital ratio | 13.9341% | 4,025 |
| Memoranda: | ||
| Average total assets | $1,059,929,000 | 725 |
| Average earning assets | $954,987,000 | 743 |
| Average equity | $115,421,000 | 739 |
| Average total loans | $664,013,500 | 828 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7668% | 4,163 |
| Cost of funding earning assets | 0.2570% | 4,505 |
| Net interest margin | 3.5097% | 3,492 |
| Noninterest income to average assets | 0.9924% | 1,035 |
| Noninterest expense to average assets | 3.1026% | 1,855 |
| Loan and lease loss provision to assets | 0.0563% | 3,100 |
| Net operating income to assets | 0.6467% | 3,830 |
| Return on assets (ROA) | 0.6739% | 3,765 |
| Pretax return on assets | 1.0581% | 3,353 |
| Return on Equity (ROE) | 6.4332% | 3,562 |
| Retained earnings to average equity (ytd only) | 3.3890% | 3,258 |
| Net charge-offs to loans | -0.0091% | 4,768 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4498% | 1,991 |
| Assets per employee ($millions) | 4.6877% | 2,883 |
| Cash dividends to net income (ytd only)* | 47.3195% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8892% | 4,527 |
| Loan loss allowance to noncurrent loans | 171.8139% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.5055% | 2,874 |
| Noncurrent loans to loans | 0.5176% | 2,964 |
| Net loans and leases to total assets | 61.5303% | 3,672 |
| Net loans and leases to deposits | 72.3321% | 3,670 |
| Net loans and leases to core deposits | 75.3808% | 3,789 |
| Total domestic deposits to total assets | 85.0664% | 2,819 |
| Equity capital to assets | 11.0019% | 2,620 |
| Core capital (leverage) ratio | 9.6630% | 3,856 |
| Tier 1 risk-based capital ratio | 13.3954% | 3,691 |
| Total risk-based capital ratio | 14.1789% | 3,853 |
| Memoranda: | ||
| Average total assets | $941,056,400 | 790 |
| Average earning assets | $853,197,200 | 803 |
| Average equity | $98,582,200 | 839 |
| Average total loans | $579,663,800 | 886 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7566% | 4,154 |
| Cost of funding earning assets | 0.2665% | 4,434 |
| Net interest margin | 3.4901% | 3,536 |
| Noninterest income to average assets | 0.9949% | 1,038 |
| Noninterest expense to average assets | 3.0540% | 1,943 |
| Loan and lease loss provision to assets | 0.0525% | 3,049 |
| Net operating income to assets | 0.7772% | 3,610 |
| Return on assets (ROA) | 0.8144% | 3,510 |
| Pretax return on assets | 1.1118% | 3,262 |
| Return on Equity (ROE) | 7.8885% | 3,182 |
| Retained earnings to average equity (ytd only) | 4.8105% | 3,013 |
| Net charge-offs to loans | -0.0195% | 4,843 |
| Credit loss provision to net charge-offs | -439.0244% | 4,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5010% | 2,141 |
| Assets per employee ($millions) | 4.3918% | 3,324 |
| Cash dividends to net income (ytd only)* | 39.0183% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9845% | 4,158 |
| Loan loss allowance to noncurrent loans | 187.5954% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.4103% | 3,390 |
| Noncurrent loans to loans | 0.5248% | 3,123 |
| Net loans and leases to total assets | 62.2714% | 3,619 |
| Net loans and leases to deposits | 73.4884% | 3,622 |
| Net loans and leases to core deposits | 76.8800% | 3,733 |
| Total domestic deposits to total assets | 84.7364% | 2,822 |
| Equity capital to assets | 10.5797% | 3,280 |
| Core capital (leverage) ratio | 10.0637% | 3,488 |
| Tier 1 risk-based capital ratio | 14.0463% | 3,420 |
| Total risk-based capital ratio | 14.9192% | 3,531 |
| Memoranda: | ||
| Average total assets | $913,807,000 | 817 |
| Average earning assets | $830,597,750 | 837 |
| Average equity | $94,346,250 | 873 |
| Average total loans | $561,605,250 | 916 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7289% | 4,136 |
| Cost of funding earning assets | 0.2680% | 4,389 |
| Net interest margin | 3.4610% | 3,541 |
| Noninterest income to average assets | 0.9681% | 1,095 |
| Noninterest expense to average assets | 3.0692% | 1,913 |
| Loan and lease loss provision to assets | 0.0425% | 3,148 |
| Net operating income to assets | 0.7381% | 3,682 |
| Return on assets (ROA) | 0.7747% | 3,571 |
| Pretax return on assets | 1.0517% | 3,367 |
| Return on Equity (ROE) | 7.5657% | 3,260 |
| Retained earnings to average equity (ytd only) | 4.4967% | 3,033 |
| Net charge-offs to loans | -0.0294% | 4,945 |
| Credit loss provision to net charge-offs | -236.5854% | 4,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8124% | 2,049 |
| Assets per employee ($millions) | 4.5738% | 2,982 |
| Cash dividends to net income (ytd only)* | 40.5650% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9803% | 4,263 |
| Loan loss allowance to noncurrent loans | 181.1881% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.4228% | 3,428 |
| Noncurrent loans to loans | 0.5411% | 3,129 |
| Net loans and leases to total assets | 60.6186% | 3,777 |
| Net loans and leases to deposits | 71.3620% | 3,793 |
| Net loans and leases to core deposits | 74.7134% | 3,878 |
| Total domestic deposits to total assets | 84.9452% | 2,839 |
| Equity capital to assets | 10.4121% | 3,448 |
| Core capital (leverage) ratio | 9.9378% | 3,610 |
| Tier 1 risk-based capital ratio | 14.3437% | 3,246 |
| Total risk-based capital ratio | 15.2220% | 3,360 |
| Memoranda: | ||
| Average total assets | $913,909,000 | 823 |
| Average earning assets | $830,689,670 | 841 |
| Average equity | $93,579,670 | 880 |
| Average total loans | $557,305,000 | 925 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7468% | 3,947 |
| Cost of funding earning assets | 0.2812% | 4,245 |
| Net interest margin | 3.4656% | 3,403 |
| Noninterest income to average assets | 0.8403% | 1,431 |
| Noninterest expense to average assets | 2.9373% | 2,341 |
| Loan and lease loss provision to assets | 0.0508% | 2,793 |
| Net operating income to assets | 0.7392% | 3,521 |
| Return on assets (ROA) | 0.7567% | 3,498 |
| Pretax return on assets | 1.0225% | 3,276 |
| Return on Equity (ROE) | 7.4526% | 3,183 |
| Retained earnings to average equity (ytd only) | 4.4207% | 3,217 |
| Net charge-offs to loans | -0.0273% | 4,888 |
| Credit loss provision to net charge-offs | -305.2632% | 4,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8501% | 2,433 |
| Assets per employee ($millions) | 4.6640% | 2,897 |
| Cash dividends to net income (ytd only)* | 40.6829% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9594% | 4,497 |
| Loan loss allowance to noncurrent loans | 150.2379% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.5173% | 3,162 |
| Noncurrent loans to loans | 0.6386% | 2,911 |
| Net loans and leases to total assets | 60.6164% | 3,717 |
| Net loans and leases to deposits | 71.1077% | 3,684 |
| Net loans and leases to core deposits | 74.6429% | 3,773 |
| Total domestic deposits to total assets | 85.2460% | 2,986 |
| Equity capital to assets | 10.2216% | 3,490 |
| Core capital (leverage) ratio | 9.7602% | 3,801 |
| Tier 1 risk-based capital ratio | 14.0150% | 3,466 |
| Total risk-based capital ratio | 14.8649% | 3,620 |
| Memoranda: | ||
| Average total assets | $913,479,000 | 827 |
| Average earning assets | $829,403,500 | 845 |
| Average equity | $92,746,000 | 882 |
| Average total loans | $555,952,500 | 924 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6361% | 4,418 |
| Cost of funding earning assets | 0.3161% | 3,890 |
| Net interest margin | 3.3200% | 4,086 |
| Noninterest income to average assets | 0.9822% | 1,194 |
| Noninterest expense to average assets | 2.8809% | 2,739 |
| Loan and lease loss provision to assets | 0.0871% | 2,622 |
| Net operating income to assets | 0.7777% | 3,414 |
| Return on assets (ROA) | 0.8284% | 3,272 |
| Pretax return on assets | 1.1019% | 3,101 |
| Return on Equity (ROE) | 7.9516% | 2,966 |
| Retained earnings to average equity (ytd only) | 5.1354% | 2,252 |
| Net charge-offs to loans | 0.0301% | 3,415 |
| Credit loss provision to net charge-offs | 496.1538% | 669 |
| Earnings coverage of net charge-offs (x) | 63.8462% | 850 |
| Efficiency ratio | 71.0870% | 2,728 |
| Assets per employee ($millions) | 4.5189% | 3,089 |
| Cash dividends to net income (ytd only)* | 35.4172% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9439% | 4,608 |
| Loan loss allowance to noncurrent loans | 127.1087% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.5749% | 3,007 |
| Noncurrent loans to loans | 0.7426% | 2,671 |
| Net loans and leases to total assets | 59.9466% | 3,860 |
| Net loans and leases to deposits | 71.0931% | 3,802 |
| Net loans and leases to core deposits | 74.7575% | 3,858 |
| Total domestic deposits to total assets | 84.3214% | 3,308 |
| Equity capital to assets | 10.0844% | 3,628 |
| Core capital (leverage) ratio | 9.7736% | 3,779 |
| Tier 1 risk-based capital ratio | 13.8367% | 3,555 |
| Total risk-based capital ratio | 14.6598% | 3,726 |
| Memoranda: | ||
| Average total assets | $888,186,200 | 818 |
| Average earning assets | $807,942,600 | 827 |
| Average equity | $92,534,800 | 862 |
| Average total loans | $517,567,200 | 950 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6307% | 4,465 |
| Cost of funding earning assets | 0.3265% | 3,811 |
| Net interest margin | 3.3042% | 4,172 |
| Noninterest income to average assets | 0.9859% | 1,172 |
| Noninterest expense to average assets | 2.9029% | 2,636 |
| Loan and lease loss provision to assets | 0.0810% | 2,586 |
| Net operating income to assets | 0.7459% | 3,625 |
| Return on assets (ROA) | 0.8131% | 3,443 |
| Pretax return on assets | 1.1018% | 3,227 |
| Return on Equity (ROE) | 7.7403% | 3,155 |
| Retained earnings to average equity (ytd only) | 4.9343% | 2,875 |
| Net charge-offs to loans | 0.0223% | 3,234 |
| Credit loss provision to net charge-offs | 630.5882% | 596 |
| Earnings coverage of net charge-offs (x) | 84.9886% | 736 |
| Efficiency ratio | 71.7459% | 2,613 |
| Assets per employee ($millions) | 4.5439% | 3,010 |
| Cash dividends to net income (ytd only)* | 36.2522% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9564% | 4,633 |
| Loan loss allowance to noncurrent loans | 126.0490% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.5696% | 3,198 |
| Noncurrent loans to loans | 0.7588% | 2,775 |
| Net loans and leases to total assets | 57.2246% | 4,173 |
| Net loans and leases to deposits | 67.9685% | 4,155 |
| Net loans and leases to core deposits | 71.4453% | 4,210 |
| Total domestic deposits to total assets | 84.1927% | 3,145 |
| Equity capital to assets | 10.3475% | 3,748 |
| Core capital (leverage) ratio | 9.7168% | 3,913 |
| Tier 1 risk-based capital ratio | 14.4564% | 3,306 |
| Total risk-based capital ratio | 15.3017% | 3,454 |
| Memoranda: | ||
| Average total assets | $882,029,000 | 822 |
| Average earning assets | $803,244,250 | 829 |
| Average equity | $92,655,500 | 864 |
| Average total loans | $508,855,000 | 962 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6500% | 4,451 |
| Cost of funding earning assets | 0.3388% | 3,708 |
| Net interest margin | 3.3111% | 4,189 |
| Noninterest income to average assets | 0.9683% | 1,199 |
| Noninterest expense to average assets | 2.8414% | 2,870 |
| Loan and lease loss provision to assets | 0.0819% | 2,500 |
| Net operating income to assets | 0.7832% | 3,389 |
| Return on assets (ROA) | 0.8040% | 3,427 |
| Pretax return on assets | 1.0870% | 3,252 |
| Return on Equity (ROE) | 7.6142% | 3,195 |
| Retained earnings to average equity (ytd only) | 4.7958% | 2,868 |
| Net charge-offs to loans | 0.0302% | 2,870 |
| Credit loss provision to net charge-offs | 469.7368% | 690 |
| Earnings coverage of net charge-offs (x) | 65.4079% | 828 |
| Efficiency ratio | 70.4160% | 2,917 |
| Assets per employee ($millions) | 4.7423% | 2,643 |
| Cash dividends to net income (ytd only)* | 37.0148% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9397% | 4,806 |
| Loan loss allowance to noncurrent loans | 107.4229% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 0.6647% | 3,012 |
| Noncurrent loans to loans | 0.8747% | 2,553 |
| Net loans and leases to total assets | 57.9757% | 4,118 |
| Net loans and leases to deposits | 70.1857% | 3,965 |
| Net loans and leases to core deposits | 72.3662% | 4,140 |
| Total domestic deposits to total assets | 82.6033% | 3,795 |
| Equity capital to assets | 10.6661% | 3,445 |
| Core capital (leverage) ratio | 9.7935% | 3,821 |
| Tier 1 risk-based capital ratio | 14.6351% | 3,235 |
| Total risk-based capital ratio | 15.4745% | 3,402 |
| Memoranda: | ||
| Average total assets | $871,598,330 | 837 |
| Average earning assets | $793,325,000 | 841 |
| Average equity | $92,038,670 | 869 |
| Average total loans | $502,576,330 | 975 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6237% | 4,554 |
| Cost of funding earning assets | 0.3470% | 3,629 |
| Net interest margin | 3.2767% | 4,310 |
| Noninterest income to average assets | 0.9370% | 1,217 |
| Noninterest expense to average assets | 2.8727% | 2,799 |
| Loan and lease loss provision to assets | 0.0648% | 2,662 |
| Net operating income to assets | 0.7383% | 3,546 |
| Return on assets (ROA) | 0.7588% | 3,553 |
| Pretax return on assets | 1.0083% | 3,448 |
| Return on Equity (ROE) | 7.2231% | 3,333 |
| Retained earnings to average equity (ytd only) | 4.3850% | 3,288 |
| Net charge-offs to loans | 0.0396% | 2,205 |
| Credit loss provision to net charge-offs | 285.7143% | 877 |
| Earnings coverage of net charge-offs (x) | 46.1020% | 931 |
| Efficiency ratio | 72.3299% | 2,752 |
| Assets per employee ($millions) | 4.4945% | 3,077 |
| Cash dividends to net income (ytd only)* | 39.2923% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9439% | 4,881 |
| Loan loss allowance to noncurrent loans | 77.5352% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 0.8680% | 2,523 |
| Noncurrent loans to loans | 1.2174% | 1,988 |
| Net loans and leases to total assets | 56.7049% | 4,177 |
| Net loans and leases to deposits | 67.9197% | 4,067 |
| Net loans and leases to core deposits | 69.9768% | 4,243 |
| Total domestic deposits to total assets | 83.4882% | 3,715 |
| Equity capital to assets | 10.6244% | 3,340 |
| Core capital (leverage) ratio | 9.8080% | 3,759 |
| Tier 1 risk-based capital ratio | 14.8132% | 3,241 |
| Total risk-based capital ratio | 15.6420% | 3,383 |
| Memoranda: | ||
| Average total assets | $863,994,000 | 846 |
| Average earning assets | $786,156,000 | 849 |
| Average equity | $90,764,000 | 876 |
| Average total loans | $494,359,500 | 981 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7481% | 4,199 |
| Cost of funding earning assets | 0.3867% | 3,301 |
| Net interest margin | 3.3614% | 4,070 |
| Noninterest income to average assets | 1.0255% | 1,129 |
| Noninterest expense to average assets | 2.8644% | 2,981 |
| Loan and lease loss provision to assets | 0.1358% | 1,749 |
| Net operating income to assets | 0.7893% | 3,381 |
| Return on assets (ROA) | 0.8202% | 3,327 |
| Pretax return on assets | 1.1284% | 2,930 |
| Return on Equity (ROE) | 7.8512% | 3,038 |
| Retained earnings to average equity (ytd only) | 5.3591% | 2,167 |
| Net charge-offs to loans | 0.1423% | 1,926 |
| Credit loss provision to net charge-offs | 168.8427% | 1,599 |
| Earnings coverage of net charge-offs (x) | 15.1869% | 2,223 |
| Efficiency ratio | 68.9676% | 3,406 |
| Assets per employee ($millions) | 4.6266% | 2,849 |
| Cash dividends to net income (ytd only)* | 31.7421% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9339% | 4,948 |
| Loan loss allowance to noncurrent loans | 94.9587% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 0.8481% | 2,547 |
| Noncurrent loans to loans | 0.9834% | 2,372 |
| Net loans and leases to total assets | 56.6563% | 4,238 |
| Net loans and leases to deposits | 67.8384% | 4,144 |
| Net loans and leases to core deposits | 70.0843% | 4,295 |
| Total domestic deposits to total assets | 83.5166% | 3,663 |
| Equity capital to assets | 10.3850% | 3,508 |
| Core capital (leverage) ratio | 9.7292% | 3,868 |
| Tier 1 risk-based capital ratio | 14.7163% | 3,322 |
| Total risk-based capital ratio | 15.5361% | 3,476 |
| Memoranda: | ||
| Average total assets | $837,728,200 | 827 |
| Average earning assets | $762,812,400 | 831 |
| Average equity | $87,515,000 | 871 |
| Average total loans | $473,609,000 | 981 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7633% | 4,207 |
| Cost of funding earning assets | 0.3881% | 3,351 |
| Net interest margin | 3.3752% | 4,055 |
| Noninterest income to average assets | 1.0426% | 1,100 |
| Noninterest expense to average assets | 2.8575% | 2,982 |
| Loan and lease loss provision to assets | 0.1586% | 1,355 |
| Net operating income to assets | 0.7980% | 3,432 |
| Return on assets (ROA) | 0.8293% | 3,371 |
| Pretax return on assets | 1.1458% | 3,036 |
| Return on Equity (ROE) | 7.9261% | 3,114 |
| Retained earnings to average equity (ytd only) | 5.4250% | 2,625 |
| Net charge-offs to loans | 0.1859% | 1,371 |
| Credit loss provision to net charge-offs | 151.3761% | 1,661 |
| Earnings coverage of net charge-offs (x) | 12.0321% | 2,438 |
| Efficiency ratio | 68.2191% | 3,500 |
| Assets per employee ($millions) | 4.6192% | 2,811 |
| Cash dividends to net income (ytd only)* | 31.5556% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9165% | 5,137 |
| Loan loss allowance to noncurrent loans | 88.1610% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 0.8845% | 2,662 |
| Noncurrent loans to loans | 1.0396% | 2,397 |
| Net loans and leases to total assets | 56.8314% | 4,263 |
| Net loans and leases to deposits | 68.3150% | 4,158 |
| Net loans and leases to core deposits | 70.6410% | 4,312 |
| Total domestic deposits to total assets | 83.1902% | 3,735 |
| Equity capital to assets | 10.4730% | 3,628 |
| Core capital (leverage) ratio | 9.8318% | 3,856 |
| Tier 1 risk-based capital ratio | 14.8777% | 3,356 |
| Total risk-based capital ratio | 15.6946% | 3,517 |
| Memoranda: | ||
| Average total assets | $832,022,250 | 843 |
| Average earning assets | $758,256,000 | 842 |
| Average equity | $87,051,750 | 882 |
| Average total loans | $468,973,000 | 992 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8060% | 4,045 |
| Cost of funding earning assets | 0.3887% | 3,381 |
| Net interest margin | 3.4172% | 3,842 |
| Noninterest income to average assets | 1.0210% | 1,140 |
| Noninterest expense to average assets | 2.9025% | 2,884 |
| Loan and lease loss provision to assets | 0.1930% | 1,031 |
| Net operating income to assets | 0.7506% | 3,642 |
| Return on assets (ROA) | 0.7985% | 3,484 |
| Pretax return on assets | 1.1007% | 3,172 |
| Return on Equity (ROE) | 7.6345% | 3,246 |
| Retained earnings to average equity (ytd only) | 5.0927% | 2,799 |
| Net charge-offs to loans | 0.2800% | 942 |
| Credit loss provision to net charge-offs | 122.9938% | 1,766 |
| Earnings coverage of net charge-offs (x) | 7.8272% | 2,624 |
| Efficiency ratio | 69.0914% | 3,474 |
| Assets per employee ($millions) | 4.5604% | 2,883 |
| Cash dividends to net income (ytd only)* | 33.2929% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8906% | 5,331 |
| Loan loss allowance to noncurrent loans | 80.0337% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 0.9433% | 2,648 |
| Noncurrent loans to loans | 1.1128% | 2,431 |
| Net loans and leases to total assets | 57.0837% | 4,211 |
| Net loans and leases to deposits | 69.3184% | 4,006 |
| Net loans and leases to core deposits | 71.8947% | 4,148 |
| Total domestic deposits to total assets | 82.3501% | 4,172 |
| Equity capital to assets | 10.4247% | 3,525 |
| Core capital (leverage) ratio | 9.7386% | 3,954 |
| Tier 1 risk-based capital ratio | 14.9758% | 3,373 |
| Total risk-based capital ratio | 15.7773% | 3,549 |
| Memoranda: | ||
| Average total assets | $826,050,670 | 854 |
| Average earning assets | $751,661,000 | 854 |
| Average equity | $86,397,670 | 891 |
| Average total loans | $462,797,670 | 999 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8926% | 3,657 |
| Cost of funding earning assets | 0.3893% | 3,423 |
| Net interest margin | 3.5033% | 3,427 |
| Noninterest income to average assets | 0.9204% | 1,324 |
| Noninterest expense to average assets | 2.8917% | 2,933 |
| Loan and lease loss provision to assets | 0.1976% | 943 |
| Net operating income to assets | 0.7394% | 3,598 |
| Return on assets (ROA) | 0.7763% | 3,523 |
| Pretax return on assets | 1.0660% | 3,235 |
| Return on Equity (ROE) | 7.4103% | 3,266 |
| Retained earnings to average equity (ytd only) | 4.9386% | 3,087 |
| Net charge-offs to loans | 0.2521% | 950 |
| Credit loss provision to net charge-offs | 141.9580% | 1,297 |
| Earnings coverage of net charge-offs (x) | 8.7133% | 2,068 |
| Efficiency ratio | 69.2280% | 3,618 |
| Assets per employee ($millions) | 4.5045% | 3,048 |
| Cash dividends to net income (ytd only)* | 33.3542% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9249% | 5,355 |
| Loan loss allowance to noncurrent loans | 71.5464% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 1.0429% | 2,531 |
| Noncurrent loans to loans | 1.2927% | 2,225 |
| Net loans and leases to total assets | 54.6600% | 4,351 |
| Net loans and leases to deposits | 65.3261% | 4,226 |
| Net loans and leases to core deposits | 67.6630% | 4,367 |
| Total domestic deposits to total assets | 83.6725% | 3,945 |
| Equity capital to assets | 10.4490% | 3,586 |
| Core capital (leverage) ratio | 9.8216% | 3,856 |
| Tier 1 risk-based capital ratio | 15.2929% | 3,268 |
| Total risk-based capital ratio | 16.1179% | 3,440 |
| Memoranda: | ||
| Average total assets | $821,797,000 | 859 |
| Average earning assets | $746,951,500 | 855 |
| Average equity | $86,096,500 | 893 |
| Average total loans | $453,857,500 | 1,021 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9018% | 4,117 |
| Cost of funding earning assets | 0.4501% | 3,170 |
| Net interest margin | 3.4517% | 3,972 |
| Noninterest income to average assets | 1.0703% | 1,058 |
| Noninterest expense to average assets | 3.0431% | 2,713 |
| Loan and lease loss provision to assets | 0.1144% | 2,261 |
| Net operating income to assets | 0.7462% | 3,644 |
| Return on assets (ROA) | 0.7632% | 3,653 |
| Pretax return on assets | 1.0642% | 3,236 |
| Return on Equity (ROE) | 7.4772% | 3,387 |
| Retained earnings to average equity (ytd only) | 5.7373% | 2,110 |
| Net charge-offs to loans | 0.2255% | 1,865 |
| Credit loss provision to net charge-offs | 91.0124% | 2,625 |
| Earnings coverage of net charge-offs (x) | 9.1911% | 2,782 |
| Efficiency ratio | 71.6225% | 3,272 |
| Assets per employee ($millions) | 4.3798% | 3,220 |
| Cash dividends to net income (ytd only)* | 23.2693% | 3,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9224% | 5,396 |
| Loan loss allowance to noncurrent loans | 62.7487% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 1.1759% | 2,413 |
| Noncurrent loans to loans | 1.4700% | 1,997 |
| Net loans and leases to total assets | 54.7763% | 4,480 |
| Net loans and leases to deposits | 66.0092% | 4,325 |
| Net loans and leases to core deposits | 68.5078% | 4,451 |
| Total domestic deposits to total assets | 82.9828% | 4,082 |
| Equity capital to assets | 10.5050% | 3,473 |
| Core capital (leverage) ratio | 9.5551% | 4,165 |
| Tier 1 risk-based capital ratio | 15.3874% | 3,277 |
| Total risk-based capital ratio | 16.2081% | 3,450 |
| Memoranda: | ||
| Average total assets | $770,327,600 | 880 |
| Average earning assets | $698,035,600 | 881 |
| Average equity | $78,625,600 | 933 |
| Average total loans | $429,336,000 | 1,024 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9072% | 4,152 |
| Cost of funding earning assets | 0.4573% | 3,167 |
| Net interest margin | 3.4499% | 4,020 |
| Noninterest income to average assets | 1.0327% | 1,152 |
| Noninterest expense to average assets | 3.0273% | 2,710 |
| Loan and lease loss provision to assets | 0.1233% | 2,023 |
| Net operating income to assets | 0.7196% | 3,840 |
| Return on assets (ROA) | 0.7323% | 3,878 |
| Pretax return on assets | 1.0262% | 3,489 |
| Return on Equity (ROE) | 7.2308% | 3,593 |
| Retained earnings to average equity (ytd only) | 5.6967% | 2,608 |
| Net charge-offs to loans | 0.2405% | 1,602 |
| Credit loss provision to net charge-offs | 91.7755% | 2,401 |
| Earnings coverage of net charge-offs (x) | 8.4243% | 2,800 |
| Efficiency ratio | 72.0791% | 3,158 |
| Assets per employee ($millions) | 4.4083% | 3,120 |
| Cash dividends to net income (ytd only)* | 21.2164% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9196% | 5,542 |
| Loan loss allowance to noncurrent loans | 60.3193% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 1.1951% | 2,570 |
| Noncurrent loans to loans | 1.5245% | 2,122 |
| Net loans and leases to total assets | 54.0336% | 4,571 |
| Net loans and leases to deposits | 64.9131% | 4,440 |
| Net loans and leases to core deposits | 67.2984% | 4,579 |
| Total domestic deposits to total assets | 83.2400% | 4,054 |
| Equity capital to assets | 10.0437% | 4,111 |
| Core capital (leverage) ratio | 9.8572% | 3,867 |
| Tier 1 risk-based capital ratio | 15.0944% | 3,537 |
| Total risk-based capital ratio | 15.9188% | 3,719 |
| Memoranda: | ||
| Average total assets | $760,342,000 | 896 |
| Average earning assets | $689,005,750 | 900 |
| Average equity | $77,002,250 | 961 |
| Average total loans | $424,678,000 | 1,035 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9636% | 3,879 |
| Cost of funding earning assets | 0.4786% | 3,038 |
| Net interest margin | 3.4850% | 3,839 |
| Noninterest income to average assets | 0.9890% | 1,231 |
| Noninterest expense to average assets | 3.0995% | 2,503 |
| Loan and lease loss provision to assets | 0.1491% | 1,654 |
| Net operating income to assets | 0.6422% | 4,142 |
| Return on assets (ROA) | 0.6589% | 4,148 |
| Pretax return on assets | 0.9190% | 3,812 |
| Return on Equity (ROE) | 6.4866% | 3,888 |
| Retained earnings to average equity (ytd only) | 4.1215% | 3,550 |
| Net charge-offs to loans | 0.3383% | 1,201 |
| Credit loss provision to net charge-offs | 78.2361% | 2,352 |
| Earnings coverage of net charge-offs (x) | 5.4808% | 2,922 |
| Efficiency ratio | 74.1019% | 2,961 |
| Assets per employee ($millions) | 4.1731% | 3,509 |
| Cash dividends to net income (ytd only)* | 36.4609% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9083% | 5,699 |
| Loan loss allowance to noncurrent loans | 52.1015% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 1.4156% | 2,309 |
| Noncurrent loans to loans | 1.7433% | 1,980 |
| Net loans and leases to total assets | 56.5413% | 4,193 |
| Net loans and leases to deposits | 68.9469% | 3,945 |
| Net loans and leases to core deposits | 71.2747% | 4,125 |
| Total domestic deposits to total assets | 82.0070% | 4,647 |
| Equity capital to assets | 10.3591% | 3,608 |
| Core capital (leverage) ratio | 9.5590% | 4,241 |
| Tier 1 risk-based capital ratio | 14.9904% | 3,649 |
| Total risk-based capital ratio | 15.8093% | 3,837 |
| Memoranda: | ||
| Average total assets | $737,539,000 | 925 |
| Average earning assets | $667,782,000 | 927 |
| Average equity | $74,924,000 | 974 |
| Average total loans | $415,584,000 | 1,049 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9445% | 3,912 |
| Cost of funding earning assets | 0.4940% | 2,969 |
| Net interest margin | 3.4505% | 3,898 |
| Noninterest income to average assets | 1.0005% | 1,129 |
| Noninterest expense to average assets | 3.2469% | 2,081 |
| Loan and lease loss provision to assets | 0.0840% | 2,501 |
| Net operating income to assets | 0.5733% | 4,335 |
| Return on assets (ROA) | 0.5764% | 4,382 |
| Pretax return on assets | 0.8084% | 4,075 |
| Return on Equity (ROE) | 5.7366% | 4,160 |
| Retained earnings to average equity (ytd only) | 3.3505% | 4,118 |
| Net charge-offs to loans | 0.2082% | 1,501 |
| Credit loss provision to net charge-offs | 72.1154% | 1,978 |
| Earnings coverage of net charge-offs (x) | 7.6202% | 2,105 |
| Efficiency ratio | 77.9569% | 2,480 |
| Assets per employee ($millions) | 4.3013% | 3,338 |
| Cash dividends to net income (ytd only)* | 41.5938% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9294% | 5,776 |
| Loan loss allowance to noncurrent loans | 52.0776% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 1.3996% | 2,543 |
| Noncurrent loans to loans | 1.7847% | 2,161 |
| Net loans and leases to total assets | 55.7393% | 4,175 |
| Net loans and leases to deposits | 67.4781% | 3,919 |
| Net loans and leases to core deposits | 69.8448% | 4,112 |
| Total domestic deposits to total assets | 82.6035% | 4,752 |
| Equity capital to assets | 9.9405% | 3,918 |
| Core capital (leverage) ratio | 10.0787% | 3,456 |
| Tier 1 risk-based capital ratio | 14.7483% | 3,856 |
| Total risk-based capital ratio | 15.5863% | 4,060 |
| Memoranda: | ||
| Average total assets | $714,034,000 | 952 |
| Average earning assets | $648,596,000 | 961 |
| Average equity | $71,750,000 | 1,015 |
| Average total loans | $399,546,000 | 1,100 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8027% | 4,806 |
| Cost of funding earning assets | 0.5771% | 2,863 |
| Net interest margin | 3.2256% | 4,910 |
| Noninterest income to average assets | 1.3058% | 814 |
| Noninterest expense to average assets | 3.1997% | 2,421 |
| Loan and lease loss provision to assets | 0.0846% | 3,423 |
| Net operating income to assets | 0.7581% | 3,504 |
| Return on assets (ROA) | 0.7264% | 3,762 |
| Pretax return on assets | 0.9302% | 3,642 |
| Return on Equity (ROE) | 6.9198% | 3,600 |
| Retained earnings to average equity (ytd only) | 3.3937% | 3,813 |
| Net charge-offs to loans | 0.2698% | 2,351 |
| Credit loss provision to net charge-offs | 56.8206% | 3,657 |
| Earnings coverage of net charge-offs (x) | 7.0924% | 2,914 |
| Efficiency ratio | 74.5962% | 3,031 |
| Assets per employee ($millions) | 3.6978% | 4,483 |
| Cash dividends to net income (ytd only)* | 50.9571% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2007% | 4,656 |
| Loan loss allowance to noncurrent loans | 77.9996% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 1.3884% | 2,666 |
| Noncurrent loans to loans | 1.5393% | 2,585 |
| Net loans and leases to total assets | 54.9038% | 4,476 |
| Net loans and leases to deposits | 69.4625% | 3,847 |
| Net loans and leases to core deposits | 72.4512% | 4,011 |
| Total domestic deposits to total assets | 79.0409% | 5,646 |
| Equity capital to assets | 10.1845% | 3,527 |
| Core capital (leverage) ratio | 10.2986% | 3,152 |
| Tier 1 risk-based capital ratio | 16.8432% | 2,685 |
| Total risk-based capital ratio | 17.9255% | 2,729 |
| Memoranda: | ||
| Average total assets | $625,661,400 | 1,066 |
| Average earning assets | $572,040,400 | 1,064 |
| Average equity | $65,681,200 | 1,094 |
| Average total loans | $345,117,000 | 1,239 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7620% | 4,993 |
| Cost of funding earning assets | 0.5912% | 2,886 |
| Net interest margin | 3.1708% | 5,084 |
| Noninterest income to average assets | 1.3397% | 820 |
| Noninterest expense to average assets | 3.0993% | 2,649 |
| Loan and lease loss provision to assets | 0.0810% | 3,441 |
| Net operating income to assets | 0.7724% | 3,495 |
| Return on assets (ROA) | 0.7961% | 3,497 |
| Pretax return on assets | 1.0925% | 3,144 |
| Return on Equity (ROE) | 7.5269% | 3,366 |
| Retained earnings to average equity (ytd only) | 3.7008% | 4,063 |
| Net charge-offs to loans | 0.2627% | 2,238 |
| Credit loss provision to net charge-offs | 55.9823% | 3,378 |
| Earnings coverage of net charge-offs (x) | 7.8878% | 2,712 |
| Efficiency ratio | 72.4465% | 3,328 |
| Assets per employee ($millions) | 3.8258% | 4,176 |
| Cash dividends to net income (ytd only)* | 50.8319% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 4,676 |
| Loan loss allowance to noncurrent loans | 84.6983% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 1.3716% | 2,902 |
| Noncurrent loans to loans | 1.4684% | 2,966 |
| Net loans and leases to total assets | 54.0509% | 4,607 |
| Net loans and leases to deposits | 67.2240% | 4,150 |
| Net loans and leases to core deposits | 70.1201% | 4,306 |
| Total domestic deposits to total assets | 80.4041% | 5,387 |
| Equity capital to assets | 10.2115% | 3,626 |
| Core capital (leverage) ratio | 10.2124% | 3,383 |
| Tier 1 risk-based capital ratio | 16.6219% | 2,889 |
| Total risk-based capital ratio | 17.7369% | 2,906 |
| Memoranda: | ||
| Average total assets | $623,996,500 | 1,077 |
| Average earning assets | $570,824,250 | 1,074 |
| Average equity | $66,001,750 | 1,100 |
| Average total loans | $343,549,500 | 1,240 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7498% | 4,988 |
| Cost of funding earning assets | 0.6116% | 2,834 |
| Net interest margin | 3.1382% | 5,165 |
| Noninterest income to average assets | 1.4035% | 801 |
| Noninterest expense to average assets | 3.1230% | 2,598 |
| Loan and lease loss provision to assets | 0.0806% | 3,445 |
| Net operating income to assets | 0.7777% | 3,418 |
| Return on assets (ROA) | 0.8125% | 3,383 |
| Pretax return on assets | 1.1182% | 3,021 |
| Return on Equity (ROE) | 7.5921% | 3,297 |
| Retained earnings to average equity (ytd only) | 3.1905% | 4,284 |
| Net charge-offs to loans | 0.2525% | 2,212 |
| Credit loss provision to net charge-offs | 57.8704% | 3,056 |
| Earnings coverage of net charge-offs (x) | 8.2639% | 2,431 |
| Efficiency ratio | 72.3446% | 3,412 |
| Assets per employee ($millions) | 3.8563% | 4,095 |
| Cash dividends to net income (ytd only)* | 57.9762% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2797% | 4,605 |
| Loan loss allowance to noncurrent loans | 74.2556% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 1.3918% | 3,020 |
| Noncurrent loans to loans | 1.7234% | 2,730 |
| Net loans and leases to total assets | 54.1463% | 4,571 |
| Net loans and leases to deposits | 66.8918% | 4,164 |
| Net loans and leases to core deposits | 69.6721% | 4,303 |
| Total domestic deposits to total assets | 80.9461% | 5,353 |
| Equity capital to assets | 10.2583% | 3,587 |
| Core capital (leverage) ratio | 10.2059% | 3,220 |
| Tier 1 risk-based capital ratio | 16.6085% | 2,884 |
| Total risk-based capital ratio | 17.7692% | 2,887 |
| Memoranda: | ||
| Average total assets | $620,299,670 | 1,081 |
| Average earning assets | $567,394,330 | 1,077 |
| Average equity | $66,385,000 | 1,092 |
| Average total loans | $342,201,670 | 1,239 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7608% | 4,955 |
| Cost of funding earning assets | 0.6388% | 2,752 |
| Net interest margin | 3.1220% | 5,185 |
| Noninterest income to average assets | 1.3343% | 865 |
| Noninterest expense to average assets | 3.0718% | 2,765 |
| Loan and lease loss provision to assets | 0.0977% | 3,059 |
| Net operating income to assets | 0.7463% | 3,453 |
| Return on assets (ROA) | 0.7535% | 3,555 |
| Pretax return on assets | 1.0263% | 3,235 |
| Return on Equity (ROE) | 6.8932% | 3,551 |
| Retained earnings to average equity (ytd only) | 2.5082% | 4,772 |
| Net charge-offs to loans | 0.2789% | 1,843 |
| Credit loss provision to net charge-offs | 63.2911% | 2,389 |
| Earnings coverage of net charge-offs (x) | 7.2194% | 2,101 |
| Efficiency ratio | 72.5887% | 3,504 |
| Assets per employee ($millions) | 3.8349% | 4,283 |
| Cash dividends to net income (ytd only)* | 63.6128% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3416% | 4,505 |
| Loan loss allowance to noncurrent loans | 79.3490% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 1.4448% | 3,089 |
| Noncurrent loans to loans | 1.6907% | 3,007 |
| Net loans and leases to total assets | 53.3408% | 4,511 |
| Net loans and leases to deposits | 66.8278% | 3,932 |
| Net loans and leases to core deposits | 69.6402% | 4,125 |
| Total domestic deposits to total assets | 79.8182% | 5,792 |
| Equity capital to assets | 10.7543% | 3,255 |
| Core capital (leverage) ratio | 10.4208% | 2,884 |
| Tier 1 risk-based capital ratio | 17.0488% | 2,724 |
| Total risk-based capital ratio | 18.2875% | 2,706 |
| Memoranda: | ||
| Average total assets | $614,233,000 | 1,104 |
| Average earning assets | $561,047,500 | 1,100 |
| Average equity | $67,139,000 | 1,085 |
| Average total loans | $339,863,500 | 1,250 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2481% | 4,402 |
| Cost of funding earning assets | 0.8810% | 2,064 |
| Net interest margin | 3.3671% | 5,010 |
| Noninterest income to average assets | 1.3367% | 868 |
| Noninterest expense to average assets | 3.1703% | 2,712 |
| Loan and lease loss provision to assets | 0.0826% | 4,665 |
| Net operating income to assets | 0.7919% | 3,318 |
| Return on assets (ROA) | 0.7713% | 3,659 |
| Pretax return on assets | 1.0898% | 3,196 |
| Return on Equity (ROE) | 7.1885% | 3,538 |
| Retained earnings to average equity (ytd only) | 6.6919% | 1,725 |
| Net charge-offs to loans | 0.1722% | 4,001 |
| Credit loss provision to net charge-offs | 86.4111% | 3,610 |
| Earnings coverage of net charge-offs (x) | 12.5714% | 1,913 |
| Efficiency ratio | 71.7430% | 3,471 |
| Assets per employee ($millions) | 3.7949% | 4,375 |
| Cash dividends to net income (ytd only)* | 6.9070% | 4,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3521% | 4,391 |
| Loan loss allowance to noncurrent loans | 96.8966% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 1.4512% | 3,201 |
| Noncurrent loans to loans | 1.3954% | 3,512 |
| Net loans and leases to total assets | 55.8763% | 4,315 |
| Net loans and leases to deposits | 70.5824% | 3,623 |
| Net loans and leases to core deposits | 73.8233% | 3,805 |
| Total domestic deposits to total assets | 79.1646% | 5,855 |
| Equity capital to assets | 11.1132% | 2,820 |
| Core capital (leverage) ratio | 10.3406% | 2,960 |
| Tier 1 risk-based capital ratio | 16.8680% | 2,716 |
| Total risk-based capital ratio | 18.1197% | 2,679 |
| Memoranda: | ||
| Average total assets | $600,667,800 | 1,106 |
| Average earning assets | $541,413,000 | 1,116 |
| Average equity | $64,450,600 | 1,098 |
| Average total loans | $333,249,200 | 1,263 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3296% | 4,334 |
| Cost of funding earning assets | 0.9205% | 2,042 |
| Net interest margin | 3.4091% | 5,007 |
| Noninterest income to average assets | 1.2971% | 878 |
| Noninterest expense to average assets | 3.1186% | 2,831 |
| Loan and lease loss provision to assets | 0.0924% | 4,438 |
| Net operating income to assets | 0.7986% | 3,464 |
| Return on assets (ROA) | 0.7584% | 3,908 |
| Pretax return on assets | 1.0958% | 3,365 |
| Return on Equity (ROE) | 7.1326% | 3,734 |
| Retained earnings to average equity (ytd only) | 7.1326% | 2,043 |
| Net charge-offs to loans | 0.1691% | 3,762 |
| Credit loss provision to net charge-offs | 99.0476% | 3,033 |
| Earnings coverage of net charge-offs (x) | 13.3547% | 1,918 |
| Efficiency ratio | 70.6664% | 3,561 |
| Assets per employee ($millions) | 3.8613% | 4,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 4,317 |
| Loan loss allowance to noncurrent loans | 95.3687% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 1.7309% | 3,012 |
| Noncurrent loans to loans | 1.4819% | 3,571 |
| Net loans and leases to total assets | 54.0265% | 4,745 |
| Net loans and leases to deposits | 68.2035% | 4,150 |
| Net loans and leases to core deposits | 71.2824% | 4,339 |
| Total domestic deposits to total assets | 79.2138% | 5,825 |
| Equity capital to assets | 10.9012% | 3,378 |
| Core capital (leverage) ratio | 10.0773% | 3,433 |
| Tier 1 risk-based capital ratio | 17.0528% | 2,713 |
| Total risk-based capital ratio | 18.3066% | 2,662 |
| Memoranda: | ||
| Average total assets | $599,989,000 | 1,117 |
| Average earning assets | $539,959,750 | 1,133 |
| Average equity | $63,799,500 | 1,120 |
| Average total loans | $331,119,250 | 1,282 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4243% | 4,089 |
| Cost of funding earning assets | 0.9598% | 1,998 |
| Net interest margin | 3.4645% | 4,822 |
| Noninterest income to average assets | 1.1574% | 1,062 |
| Noninterest expense to average assets | 3.1249% | 2,831 |
| Loan and lease loss provision to assets | 0.1007% | 4,270 |
| Net operating income to assets | 0.7319% | 3,700 |
| Return on assets (ROA) | 0.6787% | 4,248 |
| Pretax return on assets | 0.9687% | 3,823 |
| Return on Equity (ROE) | 6.4375% | 4,076 |
| Retained earnings to average equity (ytd only) | 6.4375% | 2,416 |
| Net charge-offs to loans | 0.1560% | 3,669 |
| Credit loss provision to net charge-offs | 116.6667% | 2,361 |
| Earnings coverage of net charge-offs (x) | 13.2713% | 1,807 |
| Efficiency ratio | 72.3798% | 3,362 |
| Assets per employee ($millions) | 3.7846% | 4,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4402% | 4,289 |
| Loan loss allowance to noncurrent loans | 102.1983% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 1.5969% | 3,324 |
| Noncurrent loans to loans | 1.4092% | 3,802 |
| Net loans and leases to total assets | 54.2717% | 4,753 |
| Net loans and leases to deposits | 68.0239% | 4,196 |
| Net loans and leases to core deposits | 71.1046% | 4,403 |
| Total domestic deposits to total assets | 79.7833% | 5,800 |
| Equity capital to assets | 10.6840% | 3,472 |
| Core capital (leverage) ratio | 9.9259% | 3,519 |
| Tier 1 risk-based capital ratio | 16.6229% | 2,850 |
| Total risk-based capital ratio | 17.8767% | 2,798 |
| Memoranda: | ||
| Average total assets | $597,909,330 | 1,114 |
| Average earning assets | $537,219,000 | 1,141 |
| Average equity | $63,037,330 | 1,127 |
| Average total loans | $330,752,670 | 1,285 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4996% | 3,913 |
| Cost of funding earning assets | 1.0156% | 1,885 |
| Net interest margin | 3.4840% | 4,776 |
| Noninterest income to average assets | 1.1795% | 1,028 |
| Noninterest expense to average assets | 3.1337% | 2,809 |
| Loan and lease loss provision to assets | 0.1539% | 3,451 |
| Net operating income to assets | 0.7147% | 3,808 |
| Return on assets (ROA) | 0.6262% | 4,445 |
| Pretax return on assets | 0.8891% | 4,071 |
| Return on Equity (ROE) | 5.9796% | 4,308 |
| Retained earnings to average equity (ytd only) | 5.9796% | 2,971 |
| Net charge-offs to loans | 0.2220% | 2,811 |
| Credit loss provision to net charge-offs | 125.0000% | 1,908 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 1,837 |
| Efficiency ratio | 72.0305% | 3,437 |
| Assets per employee ($millions) | 3.8093% | 4,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4166% | 4,533 |
| Loan loss allowance to noncurrent loans | 87.6108% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 1.7942% | 3,180 |
| Noncurrent loans to loans | 1.6169% | 3,694 |
| Net loans and leases to total assets | 54.8636% | 4,579 |
| Net loans and leases to deposits | 68.6756% | 3,929 |
| Net loans and leases to core deposits | 71.8431% | 4,177 |
| Total domestic deposits to total assets | 79.8880% | 5,880 |
| Equity capital to assets | 10.5524% | 3,423 |
| Core capital (leverage) ratio | 9.6990% | 3,773 |
| Tier 1 risk-based capital ratio | 15.5302% | 3,430 |
| Total risk-based capital ratio | 16.7836% | 3,402 |
| Memoranda: | ||
| Average total assets | $597,880,500 | 1,120 |
| Average earning assets | $536,052,000 | 1,142 |
| Average equity | $62,612,500 | 1,134 |
| Average total loans | $331,494,500 | 1,285 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7504% | 4,028 |
| Cost of funding earning assets | 1.2597% | 1,684 |
| Net interest margin | 3.4907% | 5,180 |
| Noninterest income to average assets | 0.9878% | 1,401 |
| Noninterest expense to average assets | 3.0042% | 3,576 |
| Loan and lease loss provision to assets | 0.2358% | 3,847 |
| Net operating income to assets | 0.5962% | 4,015 |
| Return on assets (ROA) | 0.6281% | 4,041 |
| Pretax return on assets | 0.9062% | 3,587 |
| Return on Equity (ROE) | 6.5459% | 3,620 |
| Retained earnings to average equity (ytd only) | 6.5459% | 1,719 |
| Net charge-offs to loans | 0.4952% | 3,016 |
| Credit loss provision to net charge-offs | 87.0098% | 4,147 |
| Earnings coverage of net charge-offs (x) | 4.0435% | 3,289 |
| Efficiency ratio | 71.1774% | 3,754 |
| Assets per employee ($millions) | 3.7827% | 4,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4325% | 4,322 |
| Loan loss allowance to noncurrent loans | 86.5856% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 2.1516% | 2,786 |
| Noncurrent loans to loans | 1.6544% | 3,681 |
| Net loans and leases to total assets | 54.4439% | 4,965 |
| Net loans and leases to deposits | 68.9383% | 4,286 |
| Net loans and leases to core deposits | 72.2573% | 4,484 |
| Total domestic deposits to total assets | 78.9749% | 5,999 |
| Equity capital to assets | 10.3913% | 3,664 |
| Core capital (leverage) ratio | 9.2688% | 4,375 |
| Tier 1 risk-based capital ratio | 15.1231% | 3,565 |
| Total risk-based capital ratio | 16.3777% | 3,528 |
| Memoranda: | ||
| Average total assets | $602,161,800 | 1,088 |
| Average earning assets | $536,879,400 | 1,113 |
| Average equity | $57,776,600 | 1,176 |
| Average total loans | $329,573,800 | 1,291 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7705% | 4,138 |
| Cost of funding earning assets | 1.3029% | 1,682 |
| Net interest margin | 3.4676% | 5,318 |
| Noninterest income to average assets | 0.8851% | 1,706 |
| Noninterest expense to average assets | 2.9703% | 3,672 |
| Loan and lease loss provision to assets | 0.2449% | 3,556 |
| Net operating income to assets | 0.5314% | 4,398 |
| Return on assets (ROA) | 0.5653% | 4,414 |
| Pretax return on assets | 0.8092% | 4,095 |
| Return on Equity (ROE) | 6.0147% | 4,012 |
| Retained earnings to average equity (ytd only) | 6.0147% | 2,547 |
| Net charge-offs to loans | 0.5306% | 2,638 |
| Credit loss provision to net charge-offs | 84.5392% | 3,979 |
| Earnings coverage of net charge-offs (x) | 3.4707% | 3,429 |
| Efficiency ratio | 72.1223% | 3,529 |
| Assets per employee ($millions) | 3.7939% | 4,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4291% | 4,426 |
| Loan loss allowance to noncurrent loans | 138.1455% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 1.9236% | 3,231 |
| Noncurrent loans to loans | 1.0345% | 4,828 |
| Net loans and leases to total assets | 53.4933% | 5,244 |
| Net loans and leases to deposits | 68.3926% | 4,543 |
| Net loans and leases to core deposits | 71.9047% | 4,727 |
| Total domestic deposits to total assets | 78.2150% | 6,151 |
| Equity capital to assets | 9.9183% | 4,453 |
| Core capital (leverage) ratio | 8.9012% | 5,099 |
| Tier 1 risk-based capital ratio | 14.5173% | 3,967 |
| Total risk-based capital ratio | 15.7710% | 3,938 |
| Memoranda: | ||
| Average total assets | $604,229,750 | 1,088 |
| Average earning assets | $538,569,250 | 1,119 |
| Average equity | $56,792,500 | 1,194 |
| Average total loans | $329,958,250 | 1,289 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7975% | 4,106 |
| Cost of funding earning assets | 1.3466% | 1,666 |
| Net interest margin | 3.4510% | 5,363 |
| Noninterest income to average assets | 0.7512% | 2,253 |
| Noninterest expense to average assets | 2.9236% | 3,926 |
| Loan and lease loss provision to assets | 0.2486% | 3,423 |
| Net operating income to assets | 0.4640% | 4,661 |
| Return on assets (ROA) | 0.4963% | 4,660 |
| Pretax return on assets | 0.6982% | 4,391 |
| Return on Equity (ROE) | 5.3796% | 4,263 |
| Retained earnings to average equity (ytd only) | 5.3796% | 2,752 |
| Net charge-offs to loans | 0.5725% | 2,391 |
| Credit loss provision to net charge-offs | 79.3651% | 3,789 |
| Earnings coverage of net charge-offs (x) | 2.8772% | 3,402 |
| Efficiency ratio | 73.7476% | 3,404 |
| Assets per employee ($millions) | 4.1183% | 3,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4453% | 4,367 |
| Loan loss allowance to noncurrent loans | 142.3054% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 2.0455% | 3,176 |
| Noncurrent loans to loans | 1.0156% | 4,962 |
| Net loans and leases to total assets | 53.1199% | 5,412 |
| Net loans and leases to deposits | 68.0080% | 4,707 |
| Net loans and leases to core deposits | 71.5307% | 4,881 |
| Total domestic deposits to total assets | 78.1084% | 6,266 |
| Equity capital to assets | 9.4466% | 4,898 |
| Core capital (leverage) ratio | 8.7532% | 5,132 |
| Tier 1 risk-based capital ratio | 14.2056% | 4,012 |
| Total risk-based capital ratio | 15.4589% | 3,982 |
| Memoranda: | ||
| Average total assets | $603,296,670 | 1,104 |
| Average earning assets | $537,358,330 | 1,132 |
| Average equity | $55,654,330 | 1,204 |
| Average total loans | $330,135,000 | 1,310 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7936% | 4,084 |
| Cost of funding earning assets | 1.4009% | 1,604 |
| Net interest margin | 3.3927% | 5,457 |
| Noninterest income to average assets | 0.8329% | 1,912 |
| Noninterest expense to average assets | 3.0871% | 3,307 |
| Loan and lease loss provision to assets | 0.2391% | 3,280 |
| Net operating income to assets | 0.3775% | 5,036 |
| Return on assets (ROA) | 0.4397% | 4,848 |
| Pretax return on assets | 0.6137% | 4,636 |
| Return on Equity (ROE) | 4.8244% | 4,490 |
| Retained earnings to average equity (ytd only) | 4.8244% | 3,292 |
| Net charge-offs to loans | 0.7420% | 1,732 |
| Credit loss provision to net charge-offs | 58.4416% | 3,573 |
| Earnings coverage of net charge-offs (x) | 1.8734% | 3,368 |
| Efficiency ratio | 77.4388% | 2,926 |
| Assets per employee ($millions) | 4.0962% | 3,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3931% | 4,697 |
| Loan loss allowance to noncurrent loans | 89.3131% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 2.1813% | 3,090 |
| Noncurrent loans to loans | 1.5598% | 4,133 |
| Net loans and leases to total assets | 54.3523% | 5,252 |
| Net loans and leases to deposits | 70.5393% | 4,267 |
| Net loans and leases to core deposits | 73.4084% | 4,607 |
| Total domestic deposits to total assets | 77.0525% | 6,529 |
| Equity capital to assets | 9.1420% | 4,968 |
| Core capital (leverage) ratio | 8.5840% | 5,292 |
| Tier 1 risk-based capital ratio | 13.6559% | 4,324 |
| Total risk-based capital ratio | 14.8927% | 4,297 |
| Memoranda: | ||
| Average total assets | $602,253,500 | 1,112 |
| Average earning assets | $536,216,500 | 1,138 |
| Average equity | $54,887,500 | 1,215 |
| Average total loans | $332,055,000 | 1,324 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0747% | 4,210 |
| Cost of funding earning assets | 1.6508% | 1,828 |
| Net interest margin | 3.4239% | 5,535 |
| Noninterest income to average assets | 0.7421% | 2,580 |
| Noninterest expense to average assets | 2.8703% | 4,348 |
| Loan and lease loss provision to assets | 0.3092% | 4,328 |
| Net operating income to assets | 0.4656% | 4,244 |
| Return on assets (ROA) | 0.3738% | 4,808 |
| Pretax return on assets | 0.4918% | 4,647 |
| Return on Equity (ROE) | 4.1764% | 4,442 |
| Retained earnings to average equity (ytd only) | 4.1764% | 2,921 |
| Net charge-offs to loans | 0.5408% | 3,448 |
| Credit loss provision to net charge-offs | 103.1301% | 4,378 |
| Earnings coverage of net charge-offs (x) | 3.0747% | 3,534 |
| Efficiency ratio | 72.9929% | 3,597 |
| Assets per employee ($millions) | 4.0699% | 3,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4884% | 4,072 |
| Loan loss allowance to noncurrent loans | 78.4129% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 2.2312% | 3,053 |
| Noncurrent loans to loans | 1.8981% | 3,688 |
| Net loans and leases to total assets | 54.3300% | 5,592 |
| Net loans and leases to deposits | 71.1490% | 4,658 |
| Net loans and leases to core deposits | 74.3504% | 4,936 |
| Total domestic deposits to total assets | 76.3609% | 6,589 |
| Equity capital to assets | 9.0850% | 5,012 |
| Core capital (leverage) ratio | 8.4769% | 5,405 |
| Tier 1 risk-based capital ratio | 13.2361% | 4,427 |
| Total risk-based capital ratio | 14.4900% | 4,372 |
| Memoranda: | ||
| Average total assets | $607,321,400 | 1,100 |
| Average earning assets | $541,014,800 | 1,120 |
| Average equity | $54,353,000 | 1,228 |
| Average total loans | $336,712,800 | 1,326 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1063% | 4,285 |
| Cost of funding earning assets | 1.6829% | 1,953 |
| Net interest margin | 3.4234% | 5,594 |
| Noninterest income to average assets | 0.6833% | 2,924 |
| Noninterest expense to average assets | 2.8141% | 4,422 |
| Loan and lease loss provision to assets | 0.2986% | 4,187 |
| Net operating income to assets | 0.4658% | 4,459 |
| Return on assets (ROA) | 0.3880% | 4,986 |
| Pretax return on assets | 0.5171% | 4,867 |
| Return on Equity (ROE) | 4.3517% | 4,614 |
| Retained earnings to average equity (ytd only) | 4.3517% | 3,430 |
| Net charge-offs to loans | 0.5429% | 3,128 |
| Credit loss provision to net charge-offs | 99.0566% | 4,401 |
| Earnings coverage of net charge-offs (x) | 3.0501% | 3,610 |
| Efficiency ratio | 72.6463% | 3,580 |
| Assets per employee ($millions) | 4.2143% | 3,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4682% | 4,113 |
| Loan loss allowance to noncurrent loans | 80.7911% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 2.2933% | 3,091 |
| Noncurrent loans to loans | 1.8173% | 3,923 |
| Net loans and leases to total assets | 53.1640% | 5,962 |
| Net loans and leases to deposits | 70.0972% | 5,129 |
| Net loans and leases to core deposits | 73.3653% | 5,372 |
| Total domestic deposits to total assets | 75.8432% | 6,683 |
| Equity capital to assets | 9.1794% | 5,338 |
| Core capital (leverage) ratio | 8.3687% | 5,759 |
| Tier 1 risk-based capital ratio | 12.8320% | 4,706 |
| Total risk-based capital ratio | 14.0644% | 4,704 |
| Memoranda: | ||
| Average total assets | $609,583,000 | 1,101 |
| Average earning assets | $543,110,750 | 1,125 |
| Average equity | $54,353,000 | 1,229 |
| Average total loans | $338,402,500 | 1,331 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1517% | 4,189 |
| Cost of funding earning assets | 1.7069% | 2,085 |
| Net interest margin | 3.4448% | 5,460 |
| Noninterest income to average assets | 0.6574% | 2,971 |
| Noninterest expense to average assets | 2.7244% | 4,817 |
| Loan and lease loss provision to assets | 0.3710% | 3,486 |
| Net operating income to assets | 0.4802% | 4,413 |
| Return on assets (ROA) | 0.4173% | 4,832 |
| Pretax return on assets | 0.5520% | 4,732 |
| Return on Equity (ROE) | 4.7273% | 4,423 |
| Retained earnings to average equity (ytd only) | 4.7273% | 3,066 |
| Net charge-offs to loans | 0.6716% | 2,540 |
| Credit loss provision to net charge-offs | 98.6038% | 4,161 |
| Earnings coverage of net charge-offs (x) | 2.6728% | 3,662 |
| Efficiency ratio | 70.3081% | 4,129 |
| Assets per employee ($millions) | 4.2097% | 3,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4335% | 4,271 |
| Loan loss allowance to noncurrent loans | 70.4529% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 1.9070% | 3,612 |
| Noncurrent loans to loans | 2.0346% | 3,675 |
| Net loans and leases to total assets | 54.8779% | 5,861 |
| Net loans and leases to deposits | 72.0554% | 4,986 |
| Net loans and leases to core deposits | 76.1802% | 5,174 |
| Total domestic deposits to total assets | 76.1608% | 6,659 |
| Equity capital to assets | 9.0371% | 5,387 |
| Core capital (leverage) ratio | 8.2887% | 5,792 |
| Tier 1 risk-based capital ratio | 12.4931% | 4,869 |
| Total risk-based capital ratio | 13.7045% | 4,881 |
| Memoranda: | ||
| Average total assets | $609,085,670 | 1,108 |
| Average earning assets | $543,313,000 | 1,134 |
| Average equity | $53,773,000 | 1,236 |
| Average total loans | $341,299,000 | 1,339 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2469% | 3,797 |
| Cost of funding earning assets | 1.7208% | 2,287 |
| Net interest margin | 3.5261% | 5,054 |
| Noninterest income to average assets | 0.6296% | 3,089 |
| Noninterest expense to average assets | 2.7288% | 4,770 |
| Loan and lease loss provision to assets | 0.3603% | 3,213 |
| Net operating income to assets | 0.5047% | 4,370 |
| Return on assets (ROA) | 0.4363% | 4,812 |
| Pretax return on assets | 0.5923% | 4,638 |
| Return on Equity (ROE) | 5.0011% | 4,360 |
| Retained earnings to average equity (ytd only) | 5.0011% | 3,154 |
| Net charge-offs to loans | 0.6247% | 2,259 |
| Credit loss provision to net charge-offs | 102.6119% | 3,326 |
| Earnings coverage of net charge-offs (x) | 2.9757% | 3,066 |
| Efficiency ratio | 69.6181% | 4,394 |
| Assets per employee ($millions) | 4.2806% | 3,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4225% | 4,305 |
| Loan loss allowance to noncurrent loans | 117.9835% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 1.4685% | 4,303 |
| Noncurrent loans to loans | 1.2057% | 4,950 |
| Net loans and leases to total assets | 54.7255% | 5,928 |
| Net loans and leases to deposits | 72.1310% | 5,032 |
| Net loans and leases to core deposits | 78.1753% | 5,003 |
| Total domestic deposits to total assets | 75.8696% | 6,782 |
| Equity capital to assets | 8.7404% | 5,668 |
| Core capital (leverage) ratio | 8.1646% | 5,969 |
| Tier 1 risk-based capital ratio | 11.7244% | 5,470 |
| Total risk-based capital ratio | 12.8864% | 5,503 |
| Memoranda: | ||
| Average total assets | $610,529,500 | 1,126 |
| Average earning assets | $544,400,000 | 1,155 |
| Average equity | $53,268,000 | 1,255 |
| Average total loans | $343,195,000 | 1,374 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5548% | 3,842 |
| Cost of funding earning assets | 2.2591% | 1,806 |
| Net interest margin | 3.2957% | 5,768 |
| Noninterest income to average assets | 0.8048% | 2,382 |
| Noninterest expense to average assets | 7.0300% | 204 |
| Loan and lease loss provision to assets | 0.4881% | 3,933 |
| Net operating income to assets | -3.9656% | 7,602 |
| Return on assets (ROA) | -3.8890% | 7,584 |
| Pretax return on assets | -3.7531% | 7,476 |
| Return on Equity (ROE) | -36.4045% | 7,511 |
| Retained earnings to average equity (ytd only) | -36.4045% | 7,499 |
| Net charge-offs to loans | 0.8400% | 2,731 |
| Credit loss provision to net charge-offs | 109.6466% | 5,020 |
| Earnings coverage of net charge-offs (x) | -7.5074% | 7,142 |
| Efficiency ratio | 69.5693% | 4,721 |
| Assets per employee ($millions) | 4.3189% | 3,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4103% | 4,175 |
| Loan loss allowance to noncurrent loans | 93.5621% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 1.3818% | 4,346 |
| Noncurrent loans to loans | 1.5073% | 4,402 |
| Net loans and leases to total assets | 56.1209% | 5,932 |
| Net loans and leases to deposits | 75.0066% | 4,872 |
| Net loans and leases to core deposits | 93.6551% | 4,711 |
| Total domestic deposits to total assets | 74.8213% | 6,893 |
| Equity capital to assets | 8.7091% | 5,570 |
| Core capital (leverage) ratio | 7.8287% | 6,415 |
| Tier 1 risk-based capital ratio | 11.4683% | 5,427 |
| Total risk-based capital ratio | 12.6108% | 5,502 |
| Memoranda: | ||
| Average total assets | $635,790,800 | 1,090 |
| Average earning assets | $556,276,400 | 1,133 |
| Average equity | $67,920,200 | 968 |
| Average total loans | $336,909,800 | 1,431 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5259% | 4,294 |
| Cost of funding earning assets | 2.3208% | 1,904 |
| Net interest margin | 3.2051% | 6,007 |
| Noninterest income to average assets | 0.8131% | 2,367 |
| Noninterest expense to average assets | 8.3160% | 145 |
| Loan and lease loss provision to assets | 0.4261% | 3,769 |
| Net operating income to assets | -5.2665% | 7,867 |
| Return on assets (ROA) | -5.3218% | 7,867 |
| Pretax return on assets | -5.1933% | 7,832 |
| Return on Equity (ROE) | -47.7446% | 7,815 |
| Retained earnings to average equity (ytd only) | -47.7446% | 7,810 |
| Net charge-offs to loans | 0.8280% | 2,308 |
| Credit loss provision to net charge-offs | 98.8467% | 5,178 |
| Earnings coverage of net charge-offs (x) | -10.9294% | 6,906 |
| Efficiency ratio | 68.4831% | 4,885 |
| Assets per employee ($millions) | 4.4083% | 3,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3195% | 4,382 |
| Loan loss allowance to noncurrent loans | 76.7987% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 1.2066% | 4,660 |
| Noncurrent loans to loans | 1.7182% | 4,059 |
| Net loans and leases to total assets | 54.0735% | 6,372 |
| Net loans and leases to deposits | 75.7851% | 5,084 |
| Net loans and leases to core deposits | 94.6257% | 4,966 |
| Total domestic deposits to total assets | 71.3511% | 7,296 |
| Equity capital to assets | 8.4182% | 6,363 |
| Core capital (leverage) ratio | 7.6230% | 6,835 |
| Tier 1 risk-based capital ratio | 10.9832% | 5,968 |
| Total risk-based capital ratio | 12.0411% | 6,138 |
| Memoranda: | ||
| Average total assets | $643,577,000 | 1,090 |
| Average earning assets | $560,428,250 | 1,136 |
| Average equity | $71,735,500 | 927 |
| Average total loans | $335,090,500 | 1,459 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5722% | 4,201 |
| Cost of funding earning assets | 2.3845% | 2,031 |
| Net interest margin | 3.1876% | 5,961 |
| Noninterest income to average assets | 0.9013% | 1,986 |
| Noninterest expense to average assets | 2.5615% | 5,896 |
| Loan and lease loss provision to assets | 0.4296% | 3,405 |
| Net operating income to assets | 0.4823% | 4,162 |
| Return on assets (ROA) | 0.3957% | 4,637 |
| Pretax return on assets | 0.5349% | 4,512 |
| Return on Equity (ROE) | 3.2889% | 4,790 |
| Retained earnings to average equity (ytd only) | 3.2889% | 3,493 |
| Net charge-offs to loans | 1.1012% | 1,647 |
| Credit loss provision to net charge-offs | 76.2322% | 5,298 |
| Earnings coverage of net charge-offs (x) | 1.9189% | 4,144 |
| Efficiency ratio | 67.6862% | 5,212 |
| Assets per employee ($millions) | 4.5871% | 2,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 4,602 |
| Loan loss allowance to noncurrent loans | 64.9898% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 1.1608% | 4,617 |
| Noncurrent loans to loans | 1.9234% | 3,639 |
| Net loans and leases to total assets | 50.6531% | 6,810 |
| Net loans and leases to deposits | 75.4150% | 5,256 |
| Net loans and leases to core deposits | 94.2039% | 5,093 |
| Total domestic deposits to total assets | 67.1658% | 7,669 |
| Equity capital to assets | 12.0485% | 2,176 |
| Core capital (leverage) ratio | 7.5014% | 7,015 |
| Tier 1 risk-based capital ratio | 10.8982% | 5,984 |
| Total risk-based capital ratio | 11.8767% | 6,190 |
| Memoranda: | ||
| Average total assets | $647,975,000 | 1,104 |
| Average earning assets | $557,342,330 | 1,162 |
| Average equity | $77,958,330 | 851 |
| Average total loans | $331,644,670 | 1,503 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6639% | 3,970 |
| Cost of funding earning assets | 2.4728% | 2,015 |
| Net interest margin | 3.1911% | 5,883 |
| Noninterest income to average assets | 0.8351% | 2,152 |
| Noninterest expense to average assets | 2.4411% | 6,053 |
| Loan and lease loss provision to assets | 0.2781% | 3,728 |
| Net operating income to assets | 0.5767% | 4,115 |
| Return on assets (ROA) | 0.4515% | 4,819 |
| Pretax return on assets | 0.6716% | 4,518 |
| Return on Equity (ROE) | 3.7551% | 5,056 |
| Retained earnings to average equity (ytd only) | 3.7551% | 3,814 |
| Net charge-offs to loans | 1.2160% | 1,149 |
| Credit loss provision to net charge-offs | 44.7421% | 4,755 |
| Earnings coverage of net charge-offs (x) | 1.8284% | 3,815 |
| Efficiency ratio | 65.5577% | 5,413 |
| Assets per employee ($millions) | 4.4845% | 2,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2186% | 4,676 |
| Loan loss allowance to noncurrent loans | 53.9627% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 1.3462% | 3,969 |
| Noncurrent loans to loans | 2.2583% | 2,917 |
| Net loans and leases to total assets | 50.1629% | 6,848 |
| Net loans and leases to deposits | 75.0513% | 5,335 |
| Net loans and leases to core deposits | 93.6858% | 5,186 |
| Total domestic deposits to total assets | 66.8382% | 7,676 |
| Equity capital to assets | 11.9815% | 2,272 |
| Core capital (leverage) ratio | 7.3037% | 7,379 |
| Tier 1 risk-based capital ratio | 11.0675% | 5,838 |
| Total risk-based capital ratio | 12.0552% | 5,988 |
| Memoranda: | ||
| Average total assets | $648,572,500 | 1,096 |
| Average earning assets | $557,421,500 | 1,171 |
| Average equity | $77,974,000 | 845 |
| Average total loans | $331,586,500 | 1,517 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2464% | 4,262 |
| Cost of funding earning assets | 2.8294% | 2,585 |
| Net interest margin | 3.4169% | 5,591 |
| Noninterest income to average assets | 0.7254% | 2,941 |
| Noninterest expense to average assets | 2.5036% | 5,986 |
| Loan and lease loss provision to assets | 0.3467% | 3,624 |
| Net operating income to assets | 0.5219% | 4,644 |
| Return on assets (ROA) | -0.9918% | 7,163 |
| Pretax return on assets | -1.5633% | 7,287 |
| Return on Equity (ROE) | -8.1954% | 7,137 |
| Retained earnings to average equity (ytd only) | -10.5975% | 7,125 |
| Net charge-offs to loans | 0.3367% | 3,148 |
| Credit loss provision to net charge-offs | 197.4954% | 2,476 |
| Earnings coverage of net charge-offs (x) | 6.5427% | 3,337 |
| Efficiency ratio | 66.2891% | 5,065 |
| Assets per employee ($millions) | 4.3709% | 2,841 |
| Cash dividends to net income (ytd only)* | -29.3103% | 7,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3758% | 3,330 |
| Loan loss allowance to noncurrent loans | 252.2577% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.3962% | 6,041 |
| Noncurrent loans to loans | 0.5454% | 5,728 |
| Net loans and leases to total assets | 50.7630% | 6,959 |
| Net loans and leases to deposits | 77.1368% | 5,449 |
| Net loans and leases to core deposits | 96.6674% | 5,188 |
| Total domestic deposits to total assets | 65.8091% | 7,671 |
| Equity capital to assets | 12.0635% | 2,254 |
| Core capital (leverage) ratio | 7.4000% | 7,305 |
| Tier 1 risk-based capital ratio | 11.2749% | 5,462 |
| Total risk-based capital ratio | 12.4245% | 5,452 |
| Memoranda: | ||
| Average total assets | $614,029,000 | 1,099 |
| Average earning assets | $525,971,000 | 1,172 |
| Average equity | $74,310,200 | 893 |
| Average total loans | $320,122,800 | 1,515 |