Home > First Community Bank of Tennessee > Performance and Condition Ratios
First Community Bank of Tennessee, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1184% | 114 |
| Cost of funding earning assets | 2.8383% | 196 |
| Net interest margin | 5.2801% | 243 |
| Noninterest income to average assets | 4.8600% | 127 |
| Noninterest expense to average assets | 10.9654% | 108 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | -1.0660% | 4,535 |
| Return on assets (ROA) | -1.0630% | 4,526 |
| Pretax return on assets | -1.5275% | 4,545 |
| Return on Equity (ROE) | -9.6200% | 4,501 |
| Retained earnings to average equity (ytd only) | -12.4364% | 4,483 |
| Net charge-offs to loans | 0.0172% | 2,024 |
| Credit loss provision to net charge-offs | 435.9223% | 735 |
| Earnings coverage of net charge-offs (x) | -114.9417% | 4,593 |
| Efficiency ratio | 115.5568% | 89 |
| Assets per employee ($millions) | 1.4608% | 4,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7880% | 3,997 |
| Loan loss allowance to noncurrent loans | 55.5714% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.0652% | 443 |
| Noncurrent loans to loans | 1.4181% | 492 |
| Net loans and leases to total assets | 74.5200% | 1,292 |
| Net loans and leases to deposits | 101.9504% | 437 |
| Net loans and leases to core deposits | 163.7102% | 137 |
| Total domestic deposits to total assets | 73.1000% | 4,162 |
| Equity capital to assets | 10.5819% | 1,690 |
| Core capital (leverage) ratio | 11.4413% | 1,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8265% | 1,312 |
| Memoranda: | ||
| Average total assets | $801,982,600 | 1,182 |
| Average earning assets | $703,808,400 | 1,224 |
| Average equity | $88,650,800 | 1,043 |
| Average total loans | $597,924,000 | 1,092 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0060% | 111 |
| Cost of funding earning assets | 2.6502% | 214 |
| Net interest margin | 5.3558% | 212 |
| Noninterest income to average assets | 4.8300% | 128 |
| Noninterest expense to average assets | 10.8897% | 107 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | -1.0195% | 4,570 |
| Return on assets (ROA) | -1.0279% | 4,566 |
| Pretax return on assets | -1.4235% | 4,573 |
| Return on Equity (ROE) | -9.1700% | 4,535 |
| Retained earnings to average equity (ytd only) | -12.8679% | 4,520 |
| Net charge-offs to loans | 0.0149% | 1,861 |
| Credit loss provision to net charge-offs | 285.0746% | 917 |
| Earnings coverage of net charge-offs (x) | -124.6269% | 4,627 |
| Efficiency ratio | 114.5427% | 90 |
| Assets per employee ($millions) | 1.4519% | 4,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6649% | 4,188 |
| Loan loss allowance to noncurrent loans | 55.1935% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 0.9168% | 587 |
| Noncurrent loans to loans | 1.2047% | 650 |
| Net loans and leases to total assets | 75.5900% | 1,168 |
| Net loans and leases to deposits | 103.6004% | 367 |
| Net loans and leases to core deposits | 165.7362% | 85 |
| Total domestic deposits to total assets | 72.9700% | 4,218 |
| Equity capital to assets | 10.7252% | 1,466 |
| Core capital (leverage) ratio | 11.1627% | 1,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2223% | 1,261 |
| Memoranda: | ||
| Average total assets | $805,230,500 | 1,175 |
| Average earning assets | $703,472,750 | 1,219 |
| Average equity | $90,227,250 | 1,026 |
| Average total loans | $598,998,250 | 1,090 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4737% | 130 |
| Cost of funding earning assets | 2.4094% | 223 |
| Net interest margin | 5.0643% | 288 |
| Noninterest income to average assets | 4.6700% | 131 |
| Noninterest expense to average assets | 10.3833% | 104 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | -0.9737% | 4,600 |
| Return on assets (ROA) | -0.9326% | 4,593 |
| Pretax return on assets | -1.2967% | 4,600 |
| Return on Equity (ROE) | -8.2100% | 4,569 |
| Retained earnings to average equity (ytd only) | -8.2135% | 4,488 |
| Net charge-offs to loans | 0.0146% | 1,651 |
| Credit loss provision to net charge-offs | 263.6364% | 927 |
| Earnings coverage of net charge-offs (x) | -121.7273% | 4,657 |
| Efficiency ratio | 114.4300% | 84 |
| Assets per employee ($millions) | 1.6970% | 4,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5846% | 4,318 |
| Loan loss allowance to noncurrent loans | 25.9176% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 1.7333% | 179 |
| Noncurrent loans to loans | 2.2556% | 222 |
| Net loans and leases to total assets | 76.3900% | 1,012 |
| Net loans and leases to deposits | 107.0349% | 274 |
| Net loans and leases to core deposits | 172.5923% | 70 |
| Total domestic deposits to total assets | 71.3700% | 4,315 |
| Equity capital to assets | 10.5960% | 1,552 |
| Core capital (leverage) ratio | 11.6767% | 1,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3042% | 1,265 |
| Memoranda: | ||
| Average total assets | $818,100,333 | 1,160 |
| Average earning assets | $710,627,667 | 1,216 |
| Average equity | $92,895,667 | 995 |
| Average total loans | $604,198,667 | 1,075 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9365% | 121 |
| Cost of funding earning assets | 2.1471% | 216 |
| Net interest margin | 4.7893% | 377 |
| Noninterest income to average assets | 4.5700% | 136 |
| Noninterest expense to average assets | 9.2666% | 113 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.4395% | 4,583 |
| Return on assets (ROA) | -0.3904% | 4,565 |
| Pretax return on assets | -0.5661% | 4,573 |
| Return on Equity (ROE) | -3.3200% | 4,527 |
| Retained earnings to average equity (ytd only) | -3.3202% | 4,257 |
| Net charge-offs to loans | 0.0214% | 1,251 |
| Credit loss provision to net charge-offs | 19.3548% | 1,377 |
| Earnings coverage of net charge-offs (x) | -39.7419% | 4,677 |
| Efficiency ratio | 107.1095% | 115 |
| Assets per employee ($millions) | 1.6674% | 4,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6335% | 4,326 |
| Loan loss allowance to noncurrent loans | 21.8838% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 2.0814% | 113 |
| Noncurrent loans to loans | 2.8948% | 157 |
| Net loans and leases to total assets | 71.4500% | 1,482 |
| Net loans and leases to deposits | 94.4328% | 767 |
| Net loans and leases to core deposits | 141.8416% | 172 |
| Total domestic deposits to total assets | 75.6600% | 4,180 |
| Equity capital to assets | 11.5077% | 1,152 |
| Core capital (leverage) ratio | 12.1098% | 1,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4907% | 1,492 |
| Memoranda: | ||
| Average total assets | $801,203,500 | 1,197 |
| Average earning assets | $683,519,000 | 1,267 |
| Average equity | $94,210,000 | 992 |
| Average total loans | $578,985,000 | 1,114 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3830% | 912 |
| Cost of funding earning assets | 1.0124% | 154 |
| Net interest margin | 3.3706% | 2,343 |
| Noninterest income to average assets | 4.4400% | 138 |
| Noninterest expense to average assets | 6.7198% | 154 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4473% | 4,175 |
| Return on assets (ROA) | 0.4348% | 4,163 |
| Pretax return on assets | 0.5328% | 4,125 |
| Return on Equity (ROE) | 3.2700% | 4,268 |
| Retained earnings to average equity (ytd only) | 0.8024% | 4,233 |
| Net charge-offs to loans | 0.0049% | 2,253 |
| Credit loss provision to net charge-offs | 69.2308% | 1,731 |
| Earnings coverage of net charge-offs (x) | 162.0769% | 750 |
| Efficiency ratio | 92.3984% | 256 |
| Assets per employee ($millions) | 1.5398% | 4,623 |
| Cash dividends to net income (ytd only)* | 75.4375% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5584% | 4,388 |
| Loan loss allowance to noncurrent loans | 17.2108% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 2.3786% | 85 |
| Noncurrent loans to loans | 3.2444% | 127 |
| Net loans and leases to total assets | 72.4000% | 1,371 |
| Net loans and leases to deposits | 96.0311% | 636 |
| Net loans and leases to core deposits | 139.5072% | 148 |
| Total domestic deposits to total assets | 75.3900% | 4,290 |
| Equity capital to assets | 12.2892% | 853 |
| Core capital (leverage) ratio | 13.1566% | 897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8497% | 1,401 |
| Memoranda: | ||
| Average total assets | $762,257,000 | 1,225 |
| Average earning assets | $640,152,200 | 1,317 |
| Average equity | $101,448,400 | 935 |
| Average total loans | $529,491,600 | 1,131 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9770% | 1,315 |
| Cost of funding earning assets | 0.7731% | 173 |
| Net interest margin | 3.2039% | 2,610 |
| Noninterest income to average assets | 3.7600% | 158 |
| Noninterest expense to average assets | 5.2457% | 205 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9451% | 2,684 |
| Return on assets (ROA) | 0.9114% | 2,798 |
| Pretax return on assets | 1.1506% | 2,554 |
| Return on Equity (ROE) | 6.7100% | 3,650 |
| Retained earnings to average equity (ytd only) | 3.4649% | 3,641 |
| Net charge-offs to loans | 0.0075% | 1,862 |
| Credit loss provision to net charge-offs | 31.0345% | 1,599 |
| Earnings coverage of net charge-offs (x) | 233.3103% | 569 |
| Efficiency ratio | 81.4625% | 682 |
| Assets per employee ($millions) | 1.5128% | 4,660 |
| Cash dividends to net income (ytd only)* | 48.3933% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5862% | 4,394 |
| Loan loss allowance to noncurrent loans | 14.9261% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 2.7786% | 64 |
| Noncurrent loans to loans | 3.9276% | 98 |
| Net loans and leases to total assets | 69.9100% | 1,484 |
| Net loans and leases to deposits | 93.6421% | 659 |
| Net loans and leases to core deposits | 124.7798% | 192 |
| Total domestic deposits to total assets | 74.6500% | 4,429 |
| Equity capital to assets | 12.4744% | 775 |
| Core capital (leverage) ratio | 13.5747% | 765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5845% | 1,265 |
| Memoranda: | ||
| Average total assets | $755,729,500 | 1,242 |
| Average earning assets | $631,918,250 | 1,336 |
| Average equity | $102,589,500 | 945 |
| Average total loans | $518,369,750 | 1,146 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7177% | 1,495 |
| Cost of funding earning assets | 0.7222% | 140 |
| Net interest margin | 2.9955% | 2,895 |
| Noninterest income to average assets | 4.1548% | 112 |
| Noninterest expense to average assets | 5.3882% | 150 |
| Loan and lease loss provision to assets | 0.0003% | 2,596 |
| Net operating income to assets | 1.0018% | 2,151 |
| Return on assets (ROA) | 0.9508% | 2,328 |
| Pretax return on assets | 1.2137% | 2,031 |
| Return on Equity (ROE) | 6.8140% | 3,357 |
| Retained earnings to average equity (ytd only) | 6.8140% | 2,044 |
| Net charge-offs to loans | -0.0145% | 3,747 |
| Credit loss provision to net charge-offs | -2.7027% | 2,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8934% | 880 |
| Assets per employee ($millions) | 1.6441% | 4,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6139% | 4,449 |
| Loan loss allowance to noncurrent loans | 14.3241% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 2.9752% | 61 |
| Noncurrent loans to loans | 4.2857% | 84 |
| Net loans and leases to total assets | 68.9954% | 1,395 |
| Net loans and leases to deposits | 97.5721% | 356 |
| Net loans and leases to core deposits | 118.6328% | 212 |
| Total domestic deposits to total assets | 70.7123% | 4,607 |
| Equity capital to assets | 13.1726% | 635 |
| Core capital (leverage) ratio | 13.9614% | 637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5494% | 1,061 |
| Memoranda: | ||
| Average total assets | $749,448,333 | 1,255 |
| Average earning assets | $627,006,333 | 1,357 |
| Average equity | $104,578,333 | 937 |
| Average total loans | $509,606,333 | 1,148 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4325% | 1,996 |
| Cost of funding earning assets | 0.6811% | 168 |
| Net interest margin | 2.7515% | 3,275 |
| Noninterest income to average assets | 4.5695% | 110 |
| Noninterest expense to average assets | 3.1235% | 671 |
| Loan and lease loss provision to assets | 0.0011% | 2,275 |
| Net operating income to assets | 2.8364% | 87 |
| Return on assets (ROA) | 2.7627% | 89 |
| Pretax return on assets | 3.6621% | 69 |
| Return on Equity (ROE) | 19.2452% | 260 |
| Retained earnings to average equity (ytd only) | 19.2452% | 112 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4724% | 4,516 |
| Assets per employee ($millions) | 1.5751% | 4,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6653% | 4,440 |
| Loan loss allowance to noncurrent loans | 9.8481% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 4.4286% | 27 |
| Noncurrent loans to loans | 6.7554% | 37 |
| Net loans and leases to total assets | 65.1206% | 1,499 |
| Net loans and leases to deposits | 89.1277% | 553 |
| Net loans and leases to core deposits | 112.3623% | 216 |
| Total domestic deposits to total assets | 73.0644% | 4,596 |
| Equity capital to assets | 14.4376% | 457 |
| Core capital (leverage) ratio | 14.1458% | 560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3495% | 989 |
| Memoranda: | ||
| Average total assets | $742,748,500 | 1,270 |
| Average earning assets | $620,763,500 | 1,371 |
| Average equity | $106,624,000 | 948 |
| Average total loans | $499,619,000 | 1,167 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5175% | 2,607 |
| Cost of funding earning assets | 0.9483% | 87 |
| Net interest margin | 2.5693% | 4,095 |
| Noninterest income to average assets | 12.9278% | 54 |
| Noninterest expense to average assets | 11.9488% | 58 |
| Loan and lease loss provision to assets | 0.0035% | 3,011 |
| Net operating income to assets | 2.4081% | 178 |
| Return on assets (ROA) | 2.3481% | 198 |
| Pretax return on assets | 3.1104% | 130 |
| Return on Equity (ROE) | 17.8326% | 482 |
| Retained earnings to average equity (ytd only) | 4.9028% | 2,822 |
| Net charge-offs to loans | 0.0118% | 2,125 |
| Credit loss provision to net charge-offs | 41.1765% | 2,192 |
| Earnings coverage of net charge-offs (x) | 370.2353% | 347 |
| Efficiency ratio | 79.0067% | 872 |
| Assets per employee ($millions) | 1.6059% | 4,781 |
| Cash dividends to net income (ytd only)* | 72.5066% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6227% | 4,530 |
| Loan loss allowance to noncurrent loans | 8.0325% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 5.3452% | 22 |
| Noncurrent loans to loans | 7.7522% | 26 |
| Net loans and leases to total assets | 68.5209% | 1,209 |
| Net loans and leases to deposits | 97.3519% | 268 |
| Net loans and leases to core deposits | 122.7819% | 142 |
| Total domestic deposits to total assets | 70.3847% | 4,677 |
| Equity capital to assets | 14.2743% | 616 |
| Core capital (leverage) ratio | 12.6584% | 884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2021% | 1,005 |
| Memoranda: | ||
| Average total assets | $792,947,400 | 1,168 |
| Average earning assets | $677,745,200 | 1,251 |
| Average equity | $104,410,000 | 977 |
| Average total loans | $577,454,400 | 1,048 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4849% | 2,879 |
| Cost of funding earning assets | 0.9722% | 96 |
| Net interest margin | 2.5127% | 4,254 |
| Noninterest income to average assets | 15.0997% | 49 |
| Noninterest expense to average assets | 13.2800% | 52 |
| Loan and lease loss provision to assets | 0.0441% | 2,114 |
| Net operating income to assets | 2.9732% | 127 |
| Return on assets (ROA) | 2.8948% | 138 |
| Pretax return on assets | 3.8492% | 94 |
| Return on Equity (ROE) | 22.4230% | 279 |
| Retained earnings to average equity (ytd only) | 5.0836% | 3,188 |
| Net charge-offs to loans | 0.0088% | 1,992 |
| Credit loss provision to net charge-offs | 682.0513% | 654 |
| Earnings coverage of net charge-offs (x) | 614.3590% | 250 |
| Efficiency ratio | 76.9726% | 960 |
| Assets per employee ($millions) | 1.4239% | 4,862 |
| Cash dividends to net income (ytd only)* | 77.3284% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6270% | 4,600 |
| Loan loss allowance to noncurrent loans | 7.9461% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 5.6748% | 18 |
| Noncurrent loans to loans | 7.8903% | 29 |
| Net loans and leases to total assets | 71.4704% | 925 |
| Net loans and leases to deposits | 104.1522% | 152 |
| Net loans and leases to core deposits | 132.9267% | 106 |
| Total domestic deposits to total assets | 68.6212% | 4,768 |
| Equity capital to assets | 13.7176% | 802 |
| Core capital (leverage) ratio | 12.4233% | 1,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4306% | 1,261 |
| Memoranda: | ||
| Average total assets | $804,099,250 | 1,162 |
| Average earning assets | $689,004,500 | 1,257 |
| Average equity | $103,807,500 | 998 |
| Average total loans | $592,822,500 | 1,040 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5626% | 2,739 |
| Cost of funding earning assets | 0.9897% | 111 |
| Net interest margin | 2.5730% | 4,208 |
| Noninterest income to average assets | 16.4168% | 47 |
| Noninterest expense to average assets | 13.6437% | 49 |
| Loan and lease loss provision to assets | 0.0628% | 1,790 |
| Net operating income to assets | 3.7160% | 79 |
| Return on assets (ROA) | 3.6182% | 87 |
| Pretax return on assets | 4.8289% | 67 |
| Return on Equity (ROE) | 28.5915% | 115 |
| Retained earnings to average equity (ytd only) | 6.2877% | 2,699 |
| Net charge-offs to loans | 0.0069% | 1,883 |
| Credit loss provision to net charge-offs | 1,219.0476% | 409 |
| Earnings coverage of net charge-offs (x) | 968.3810% | 131 |
| Efficiency ratio | 73.2160% | 1,316 |
| Assets per employee ($millions) | 1.4424% | 4,899 |
| Cash dividends to net income (ytd only)* | 78.0084% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6020% | 4,656 |
| Loan loss allowance to noncurrent loans | 7.2986% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 6.0259% | 19 |
| Noncurrent loans to loans | 8.2478% | 27 |
| Net loans and leases to total assets | 72.6205% | 894 |
| Net loans and leases to deposits | 108.6892% | 126 |
| Net loans and leases to core deposits | 148.2584% | 72 |
| Total domestic deposits to total assets | 66.8148% | 4,808 |
| Equity capital to assets | 13.2897% | 869 |
| Core capital (leverage) ratio | 12.1182% | 1,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7176% | 1,411 |
| Memoranda: | ||
| Average total assets | $814,883,667 | 1,133 |
| Average earning assets | $702,455,000 | 1,218 |
| Average equity | $103,121,667 | 1,000 |
| Average total loans | $605,413,333 | 1,026 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3067% | 3,434 |
| Cost of funding earning assets | 1.0230% | 119 |
| Net interest margin | 2.2837% | 4,540 |
| Noninterest income to average assets | 19.5715% | 41 |
| Noninterest expense to average assets | 14.0405% | 48 |
| Loan and lease loss provision to assets | 0.0601% | 1,920 |
| Net operating income to assets | 5.5881% | 50 |
| Return on assets (ROA) | 5.4225% | 54 |
| Pretax return on assets | 7.2809% | 49 |
| Return on Equity (ROE) | 43.9079% | 50 |
| Retained earnings to average equity (ytd only) | -1.2043% | 4,484 |
| Net charge-offs to loans | 0.0045% | 1,751 |
| Credit loss provision to net charge-offs | 1,771.4286% | 268 |
| Earnings coverage of net charge-offs (x) | 2,214.5714% | 30 |
| Efficiency ratio | 65.1515% | 2,341 |
| Assets per employee ($millions) | 1.5221% | 4,927 |
| Cash dividends to net income (ytd only)* | 102.7428% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5427% | 4,744 |
| Loan loss allowance to noncurrent loans | 6.6145% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 6.0531% | 24 |
| Noncurrent loans to loans | 8.2047% | 30 |
| Net loans and leases to total assets | 73.3757% | 863 |
| Net loans and leases to deposits | 116.0171% | 92 |
| Net loans and leases to core deposits | 162.9611% | 58 |
| Total domestic deposits to total assets | 63.2456% | 4,865 |
| Equity capital to assets | 12.0447% | 1,259 |
| Core capital (leverage) ratio | 12.0890% | 1,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3314% | 1,804 |
| Memoranda: | ||
| Average total assets | $825,669,500 | 1,117 |
| Average earning assets | $715,519,500 | 1,189 |
| Average equity | $101,968,000 | 997 |
| Average total loans | $618,322,000 | 993 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9311% | 2,931 |
| Cost of funding earning assets | 1.2918% | 182 |
| Net interest margin | 2.6393% | 4,448 |
| Noninterest income to average assets | 17.4794% | 46 |
| Noninterest expense to average assets | 12.4797% | 60 |
| Loan and lease loss provision to assets | 0.1254% | 2,790 |
| Net operating income to assets | 5.3424% | 39 |
| Return on assets (ROA) | 5.3472% | 38 |
| Pretax return on assets | 7.1445% | 35 |
| Return on Equity (ROE) | 45.0055% | 24 |
| Retained earnings to average equity (ytd only) | 42.1174% | 11 |
| Net charge-offs to loans | 0.0606% | 1,910 |
| Credit loss provision to net charge-offs | 281.3880% | 1,800 |
| Earnings coverage of net charge-offs (x) | 162.9401% | 535 |
| Efficiency ratio | 63.2090% | 2,941 |
| Assets per employee ($millions) | 1.8917% | 4,929 |
| Cash dividends to net income (ytd only)* | 6.4172% | 3,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5285% | 4,771 |
| Loan loss allowance to noncurrent loans | 5.9564% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 6.7475% | 20 |
| Noncurrent loans to loans | 8.8732% | 31 |
| Net loans and leases to total assets | 75.6407% | 829 |
| Net loans and leases to deposits | 116.3207% | 96 |
| Net loans and leases to core deposits | 173.9001% | 56 |
| Total domestic deposits to total assets | 65.0277% | 4,864 |
| Equity capital to assets | 12.6669% | 1,251 |
| Core capital (leverage) ratio | 14.0198% | 685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6515% | 1,361 |
| Memoranda: | ||
| Average total assets | $711,080,800 | 1,160 |
| Average earning assets | $610,001,600 | 1,245 |
| Average equity | $84,485,200 | 1,104 |
| Average total loans | $523,003,000 | 1,097 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0638% | 2,779 |
| Cost of funding earning assets | 1.3261% | 219 |
| Net interest margin | 2.7377% | 4,418 |
| Noninterest income to average assets | 18.9063% | 44 |
| Noninterest expense to average assets | 12.1169% | 62 |
| Loan and lease loss provision to assets | 0.1534% | 2,478 |
| Net operating income to assets | 6.6971% | 30 |
| Return on assets (ROA) | 6.7042% | 30 |
| Pretax return on assets | 8.9831% | 28 |
| Return on Equity (ROE) | 57.5486% | 16 |
| Retained earnings to average equity (ytd only) | 53.4804% | 12 |
| Net charge-offs to loans | 0.0854% | 1,457 |
| Credit loss provision to net charge-offs | 246.8750% | 1,935 |
| Earnings coverage of net charge-offs (x) | 146.8531% | 613 |
| Efficiency ratio | 57.0354% | 3,791 |
| Assets per employee ($millions) | 1.8453% | 4,968 |
| Cash dividends to net income (ytd only)* | 7.0692% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5119% | 4,800 |
| Loan loss allowance to noncurrent loans | 6.3203% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 6.1206% | 38 |
| Noncurrent loans to loans | 8.1001% | 43 |
| Net loans and leases to total assets | 75.1753% | 1,214 |
| Net loans and leases to deposits | 121.3918% | 102 |
| Net loans and leases to core deposits | 188.7327% | 45 |
| Total domestic deposits to total assets | 61.9278% | 4,914 |
| Equity capital to assets | 12.1416% | 1,607 |
| Core capital (leverage) ratio | 14.2591% | 657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9650% | 1,509 |
| Memoranda: | ||
| Average total assets | $686,441,250 | 1,176 |
| Average earning assets | $586,261,000 | 1,266 |
| Average equity | $79,967,500 | 1,150 |
| Average total loans | $499,836,000 | 1,126 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3290% | 2,397 |
| Cost of funding earning assets | 1.4332% | 200 |
| Net interest margin | 2.8958% | 4,311 |
| Noninterest income to average assets | 16.9837% | 42 |
| Noninterest expense to average assets | 11.5227% | 63 |
| Loan and lease loss provision to assets | 0.1634% | 2,368 |
| Net operating income to assets | 5.8049% | 30 |
| Return on assets (ROA) | 5.8162% | 30 |
| Pretax return on assets | 7.7836% | 27 |
| Return on Equity (ROE) | 50.8305% | 12 |
| Retained earnings to average equity (ytd only) | 50.8305% | 6 |
| Net charge-offs to loans | 0.0152% | 2,442 |
| Credit loss provision to net charge-offs | 1,502.8571% | 595 |
| Earnings coverage of net charge-offs (x) | 729.8000% | 135 |
| Efficiency ratio | 59.2264% | 3,528 |
| Assets per employee ($millions) | 1.8743% | 4,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6221% | 4,712 |
| Loan loss allowance to noncurrent loans | 792.2500% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.0549% | 4,255 |
| Noncurrent loans to loans | 0.0785% | 4,141 |
| Net loans and leases to total assets | 69.4310% | 2,123 |
| Net loans and leases to deposits | 102.7577% | 426 |
| Net loans and leases to core deposits | 162.3508% | 76 |
| Total domestic deposits to total assets | 67.5677% | 4,851 |
| Equity capital to assets | 11.7042% | 1,830 |
| Core capital (leverage) ratio | 11.8499% | 1,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9411% | 1,841 |
| Memoranda: | ||
| Average total assets | $643,995,667 | 1,223 |
| Average earning assets | $549,691,667 | 1,311 |
| Average equity | $73,688,000 | 1,217 |
| Average total loans | $461,478,667 | 1,190 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3136% | 2,885 |
| Cost of funding earning assets | 1.4161% | 366 |
| Net interest margin | 2.8975% | 4,433 |
| Noninterest income to average assets | 10.8890% | 55 |
| Noninterest expense to average assets | 10.0258% | 76 |
| Loan and lease loss provision to assets | 0.1456% | 1,936 |
| Net operating income to assets | 2.4175% | 127 |
| Return on assets (ROA) | 2.4175% | 136 |
| Pretax return on assets | 3.1969% | 71 |
| Return on Equity (ROE) | 21.4249% | 124 |
| Retained earnings to average equity (ytd only) | 21.4249% | 50 |
| Net charge-offs to loans | 0.0183% | 2,003 |
| Credit loss provision to net charge-offs | 1,095.0000% | 536 |
| Earnings coverage of net charge-offs (x) | 251.3000% | 275 |
| Efficiency ratio | 74.9963% | 1,688 |
| Assets per employee ($millions) | 1.7269% | 5,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6239% | 4,727 |
| Loan loss allowance to noncurrent loans | 719.5000% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.0633% | 4,286 |
| Noncurrent loans to loans | 0.0867% | 4,164 |
| Net loans and leases to total assets | 72.5251% | 1,849 |
| Net loans and leases to deposits | 107.9974% | 230 |
| Net loans and leases to core deposits | 173.6595% | 60 |
| Total domestic deposits to total assets | 67.1545% | 4,943 |
| Equity capital to assets | 11.0793% | 2,796 |
| Core capital (leverage) ratio | 11.9489% | 1,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8073% | 2,362 |
| Memoranda: | ||
| Average total assets | $601,449,500 | 1,258 |
| Average earning assets | $514,649,500 | 1,340 |
| Average equity | $67,865,000 | 1,298 |
| Average total loans | $437,527,000 | 1,209 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7579% | 2,173 |
| Cost of funding earning assets | 1.5896% | 313 |
| Net interest margin | 3.1683% | 4,256 |
| Noninterest income to average assets | 8.8074% | 67 |
| Noninterest expense to average assets | 9.8364% | 73 |
| Loan and lease loss provision to assets | 0.0182% | 3,646 |
| Net operating income to assets | 1.3032% | 1,681 |
| Return on assets (ROA) | 1.3053% | 1,749 |
| Pretax return on assets | 1.6843% | 1,232 |
| Return on Equity (ROE) | 11.2344% | 1,799 |
| Retained earnings to average equity (ytd only) | 7.8138% | 1,038 |
| Net charge-offs to loans | -0.0122% | 4,521 |
| Credit loss provision to net charge-offs | -208.5106% | 4,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2646% | 586 |
| Assets per employee ($millions) | 1.7194% | 5,104 |
| Cash dividends to net income (ytd only)* | 30.4478% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6474% | 4,662 |
| Loan loss allowance to noncurrent loans | 413.4259% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 4,066 |
| Noncurrent loans to loans | 0.1566% | 3,900 |
| Net loans and leases to total assets | 72.0159% | 2,089 |
| Net loans and leases to deposits | 108.3044% | 220 |
| Net loans and leases to core deposits | 147.7328% | 133 |
| Total domestic deposits to total assets | 66.4939% | 5,019 |
| Equity capital to assets | 11.5097% | 2,522 |
| Core capital (leverage) ratio | 11.7149% | 1,950 |
| Tier 1 risk-based capital ratio | 13.4642% | 3,542 |
| Total risk-based capital ratio | 14.0436% | 3,792 |
| Memoranda: | ||
| Average total assets | $537,198,400 | 1,338 |
| Average earning assets | $462,701,800 | 1,429 |
| Average equity | $62,415,600 | 1,346 |
| Average total loans | $386,660,400 | 1,303 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7403% | 2,299 |
| Cost of funding earning assets | 1.5335% | 374 |
| Net interest margin | 3.2069% | 4,284 |
| Noninterest income to average assets | 8.7547% | 67 |
| Noninterest expense to average assets | 9.8129% | 75 |
| Loan and lease loss provision to assets | 0.0166% | 3,579 |
| Net operating income to assets | 1.3070% | 1,829 |
| Return on assets (ROA) | 1.3096% | 1,899 |
| Pretax return on assets | 1.6841% | 1,386 |
| Return on Equity (ROE) | 11.2433% | 1,913 |
| Retained earnings to average equity (ytd only) | 6.6217% | 2,043 |
| Net charge-offs to loans | -0.0354% | 4,749 |
| Credit loss provision to net charge-offs | -65.3465% | 4,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2530% | 537 |
| Assets per employee ($millions) | 1.6018% | 5,186 |
| Cash dividends to net income (ytd only)* | 41.1052% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6115% | 4,795 |
| Loan loss allowance to noncurrent loans | 612.2449% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.0734% | 4,352 |
| Noncurrent loans to loans | 0.0999% | 4,198 |
| Net loans and leases to total assets | 73.0602% | 1,986 |
| Net loans and leases to deposits | 115.8771% | 123 |
| Net loans and leases to core deposits | 160.6422% | 87 |
| Total domestic deposits to total assets | 63.0497% | 5,143 |
| Equity capital to assets | 10.6561% | 3,415 |
| Core capital (leverage) ratio | 11.8547% | 1,954 |
| Tier 1 risk-based capital ratio | 12.8630% | 3,922 |
| Total risk-based capital ratio | 13.4322% | 4,210 |
| Memoranda: | ||
| Average total assets | $528,785,750 | 1,360 |
| Average earning assets | $454,389,000 | 1,456 |
| Average equity | $61,593,750 | 1,359 |
| Average total loans | $379,880,250 | 1,334 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8286% | 1,972 |
| Cost of funding earning assets | 1.4647% | 428 |
| Net interest margin | 3.3639% | 4,001 |
| Noninterest income to average assets | 7.5341% | 72 |
| Noninterest expense to average assets | 9.1818% | 76 |
| Loan and lease loss provision to assets | 0.0178% | 3,433 |
| Net operating income to assets | 0.9604% | 3,060 |
| Return on assets (ROA) | 0.9639% | 3,123 |
| Pretax return on assets | 1.2103% | 2,878 |
| Return on Equity (ROE) | 8.0047% | 3,291 |
| Retained earnings to average equity (ytd only) | 8.0047% | 1,394 |
| Net charge-offs to loans | -0.0696% | 4,921 |
| Credit loss provision to net charge-offs | -36.0000% | 3,805 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2391% | 431 |
| Assets per employee ($millions) | 1.5008% | 5,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6919% | 4,732 |
| Loan loss allowance to noncurrent loans | 390.6069% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.1288% | 4,110 |
| Noncurrent loans to loans | 0.1771% | 3,922 |
| Net loans and leases to total assets | 72.2089% | 2,181 |
| Net loans and leases to deposits | 104.4456% | 404 |
| Net loans and leases to core deposits | 149.6626% | 137 |
| Total domestic deposits to total assets | 69.1354% | 5,070 |
| Equity capital to assets | 11.7485% | 2,386 |
| Core capital (leverage) ratio | 12.1393% | 1,734 |
| Tier 1 risk-based capital ratio | 13.6519% | 3,509 |
| Total risk-based capital ratio | 14.2658% | 3,734 |
| Memoranda: | ||
| Average total assets | $504,827,330 | 1,420 |
| Average earning assets | $430,934,330 | 1,523 |
| Average equity | $60,789,330 | 1,365 |
| Average total loans | $359,325,670 | 1,398 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7698% | 1,993 |
| Cost of funding earning assets | 1.3726% | 506 |
| Net interest margin | 3.3972% | 3,894 |
| Noninterest income to average assets | 5.8771% | 82 |
| Noninterest expense to average assets | 8.7670% | 78 |
| Loan and lease loss provision to assets | 0.0205% | 3,175 |
| Net operating income to assets | 0.0477% | 5,119 |
| Return on assets (ROA) | 0.0548% | 5,119 |
| Pretax return on assets | -0.0180% | 5,150 |
| Return on Equity (ROE) | 0.4495% | 5,122 |
| Retained earnings to average equity (ytd only) | 0.4495% | 4,445 |
| Net charge-offs to loans | -0.0920% | 5,007 |
| Credit loss provision to net charge-offs | -31.6456% | 3,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0748% | 173 |
| Assets per employee ($millions) | 1.4074% | 5,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7459% | 4,668 |
| Loan loss allowance to noncurrent loans | 1,132.1888% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0826% | 4,391 |
| Noncurrent loans to loans | 0.0659% | 4,466 |
| Net loans and leases to total assets | 69.8661% | 2,503 |
| Net loans and leases to deposits | 99.1014% | 688 |
| Net loans and leases to core deposits | 142.2629% | 167 |
| Total domestic deposits to total assets | 70.4996% | 5,093 |
| Equity capital to assets | 11.9632% | 2,037 |
| Core capital (leverage) ratio | 12.0802% | 1,724 |
| Tier 1 risk-based capital ratio | 13.6264% | 3,538 |
| Total risk-based capital ratio | 14.2579% | 3,774 |
| Memoranda: | ||
| Average total assets | $488,606,000 | 1,468 |
| Average earning assets | $414,695,500 | 1,575 |
| Average equity | $59,623,500 | 1,384 |
| Average total loans | $343,658,500 | 1,471 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8181% | 1,508 |
| Cost of funding earning assets | 1.4050% | 139 |
| Net interest margin | 3.4131% | 3,964 |
| Noninterest income to average assets | 8.8761% | 60 |
| Noninterest expense to average assets | 11.0299% | 56 |
| Loan and lease loss provision to assets | 0.0351% | 3,498 |
| Net operating income to assets | 0.5755% | 4,486 |
| Return on assets (ROA) | 0.5746% | 4,496 |
| Pretax return on assets | 0.6673% | 4,494 |
| Return on Equity (ROE) | 4.6879% | 4,531 |
| Retained earnings to average equity (ytd only) | -0.9033% | 5,081 |
| Net charge-offs to loans | 0.0250% | 2,908 |
| Credit loss provision to net charge-offs | 200.0000% | 1,432 |
| Earnings coverage of net charge-offs (x) | 40.0465% | 1,305 |
| Efficiency ratio | 94.0044% | 239 |
| Assets per employee ($millions) | 1.2396% | 5,355 |
| Cash dividends to net income (ytd only)* | 119.2677% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7592% | 4,649 |
| Loan loss allowance to noncurrent loans | 974.2308% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.0931% | 4,358 |
| Noncurrent loans to loans | 0.0779% | 4,400 |
| Net loans and leases to total assets | 69.7410% | 2,604 |
| Net loans and leases to deposits | 101.1351% | 659 |
| Net loans and leases to core deposits | 137.3304% | 225 |
| Total domestic deposits to total assets | 68.9582% | 5,186 |
| Equity capital to assets | 12.4563% | 1,599 |
| Core capital (leverage) ratio | 11.3209% | 2,252 |
| Tier 1 risk-based capital ratio | 14.0190% | 3,278 |
| Total risk-based capital ratio | 14.6503% | 3,503 |
| Memoranda: | ||
| Average total assets | $489,559,800 | 1,439 |
| Average earning assets | $409,832,800 | 1,557 |
| Average equity | $60,005,200 | 1,325 |
| Average total loans | $344,660,200 | 1,421 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7490% | 1,550 |
| Cost of funding earning assets | 1.4014% | 97 |
| Net interest margin | 3.3476% | 4,160 |
| Noninterest income to average assets | 9.5687% | 57 |
| Noninterest expense to average assets | 11.2522% | 56 |
| Loan and lease loss provision to assets | 0.0419% | 3,154 |
| Net operating income to assets | 0.8804% | 3,624 |
| Return on assets (ROA) | 0.8793% | 3,631 |
| Pretax return on assets | 1.0690% | 3,504 |
| Return on Equity (ROE) | 7.2020% | 3,858 |
| Retained earnings to average equity (ytd only) | -0.2258% | 5,063 |
| Net charge-offs to loans | 0.0295% | 2,504 |
| Credit loss provision to net charge-offs | 201.2987% | 1,372 |
| Earnings coverage of net charge-offs (x) | 53.4437% | 1,130 |
| Efficiency ratio | 91.0041% | 300 |
| Assets per employee ($millions) | 1.1203% | 5,429 |
| Cash dividends to net income (ytd only)* | 103.1356% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7190% | 4,837 |
| Loan loss allowance to noncurrent loans | 932.1033% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.0919% | 4,511 |
| Noncurrent loans to loans | 0.0771% | 4,532 |
| Net loans and leases to total assets | 70.7564% | 2,534 |
| Net loans and leases to deposits | 101.2836% | 686 |
| Net loans and leases to core deposits | 132.2272% | 292 |
| Total domestic deposits to total assets | 69.8597% | 5,215 |
| Equity capital to assets | 11.9624% | 1,931 |
| Core capital (leverage) ratio | 10.8379% | 2,753 |
| Tier 1 risk-based capital ratio | 14.0288% | 3,359 |
| Total risk-based capital ratio | 14.6566% | 3,599 |
| Memoranda: | ||
| Average total assets | $493,261,250 | 1,430 |
| Average earning assets | $411,950,250 | 1,560 |
| Average equity | $60,222,250 | 1,316 |
| Average total loans | $347,417,500 | 1,419 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5777% | 1,849 |
| Cost of funding earning assets | 1.2979% | 113 |
| Net interest margin | 3.2798% | 4,310 |
| Noninterest income to average assets | 10.0560% | 53 |
| Noninterest expense to average assets | 11.2892% | 58 |
| Loan and lease loss provision to assets | 0.0539% | 2,834 |
| Net operating income to assets | 1.1545% | 2,375 |
| Return on assets (ROA) | 1.1529% | 2,386 |
| Pretax return on assets | 1.4419% | 2,016 |
| Return on Equity (ROE) | 9.3797% | 2,861 |
| Retained earnings to average equity (ytd only) | 5.3561% | 2,901 |
| Net charge-offs to loans | 0.0185% | 2,522 |
| Credit loss provision to net charge-offs | 415.6250% | 799 |
| Earnings coverage of net charge-offs (x) | 115.4688% | 625 |
| Efficiency ratio | 88.2862% | 448 |
| Assets per employee ($millions) | 1.1637% | 5,493 |
| Cash dividends to net income (ytd only)* | 42.8973% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7125% | 4,918 |
| Loan loss allowance to noncurrent loans | 933.3333% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.0899% | 4,565 |
| Noncurrent loans to loans | 0.0763% | 4,577 |
| Net loans and leases to total assets | 70.1409% | 2,558 |
| Net loans and leases to deposits | 109.8188% | 285 |
| Net loans and leases to core deposits | 141.5469% | 182 |
| Total domestic deposits to total assets | 63.8697% | 5,416 |
| Equity capital to assets | 12.0911% | 1,793 |
| Core capital (leverage) ratio | 10.4944% | 3,037 |
| Tier 1 risk-based capital ratio | 12.8507% | 3,984 |
| Total risk-based capital ratio | 13.4850% | 4,233 |
| Memoranda: | ||
| Average total assets | $493,374,670 | 1,434 |
| Average earning assets | $410,821,670 | 1,570 |
| Average equity | $60,641,330 | 1,308 |
| Average total loans | $346,123,670 | 1,422 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4756% | 1,943 |
| Cost of funding earning assets | 1.1642% | 166 |
| Net interest margin | 3.3114% | 4,160 |
| Noninterest income to average assets | 10.4517% | 56 |
| Noninterest expense to average assets | 11.2600% | 58 |
| Loan and lease loss provision to assets | 0.1010% | 1,835 |
| Net operating income to assets | 1.4654% | 1,163 |
| Return on assets (ROA) | 1.4621% | 1,171 |
| Pretax return on assets | 1.8342% | 848 |
| Return on Equity (ROE) | 11.7960% | 1,648 |
| Retained earnings to average equity (ytd only) | 3.7111% | 3,712 |
| Net charge-offs to loans | 0.0188% | 2,127 |
| Credit loss provision to net charge-offs | 768.7500% | 427 |
| Earnings coverage of net charge-offs (x) | 147.5625% | 438 |
| Efficiency ratio | 85.3071% | 688 |
| Assets per employee ($millions) | 1.0515% | 5,558 |
| Cash dividends to net income (ytd only)* | 68.5393% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7354% | 4,953 |
| Loan loss allowance to noncurrent loans | 485.3612% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.1439% | 4,369 |
| Noncurrent loans to loans | 0.1515% | 4,301 |
| Net loans and leases to total assets | 70.0280% | 2,487 |
| Net loans and leases to deposits | 112.3745% | 199 |
| Net loans and leases to core deposits | 138.4360% | 234 |
| Total domestic deposits to total assets | 62.3166% | 5,506 |
| Equity capital to assets | 12.2505% | 1,633 |
| Core capital (leverage) ratio | 10.6352% | 2,811 |
| Tier 1 risk-based capital ratio | 13.0937% | 3,902 |
| Total risk-based capital ratio | 13.7533% | 4,142 |
| Memoranda: | ||
| Average total assets | $486,963,000 | 1,455 |
| Average earning assets | $404,056,500 | 1,604 |
| Average equity | $60,359,500 | 1,324 |
| Average total loans | $340,385,500 | 1,448 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3409% | 2,208 |
| Cost of funding earning assets | 1.0760% | 148 |
| Net interest margin | 3.2649% | 4,272 |
| Noninterest income to average assets | 10.3806% | 55 |
| Noninterest expense to average assets | 11.4697% | 55 |
| Loan and lease loss provision to assets | 0.0483% | 3,259 |
| Net operating income to assets | 1.5471% | 729 |
| Return on assets (ROA) | 1.5515% | 732 |
| Pretax return on assets | 1.5689% | 1,388 |
| Return on Equity (ROE) | 12.7526% | 1,010 |
| Retained earnings to average equity (ytd only) | 9.0387% | 501 |
| Net charge-offs to loans | 0.0163% | 3,546 |
| Credit loss provision to net charge-offs | 430.1887% | 721 |
| Earnings coverage of net charge-offs (x) | 143.7736% | 489 |
| Efficiency ratio | 87.6727% | 553 |
| Assets per employee ($millions) | 1.0683% | 5,622 |
| Cash dividends to net income (ytd only)* | 29.1229% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7335% | 4,994 |
| Loan loss allowance to noncurrent loans | 465.2091% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.1469% | 4,408 |
| Noncurrent loans to loans | 0.1577% | 4,298 |
| Net loans and leases to total assets | 68.7308% | 2,718 |
| Net loans and leases to deposits | 108.9052% | 296 |
| Net loans and leases to core deposits | 131.6231% | 305 |
| Total domestic deposits to total assets | 63.1107% | 5,560 |
| Equity capital to assets | 12.5428% | 1,491 |
| Core capital (leverage) ratio | 10.4412% | 2,911 |
| Tier 1 risk-based capital ratio | 13.5736% | 3,587 |
| Total risk-based capital ratio | 14.2224% | 3,825 |
| Memoranda: | ||
| Average total assets | $472,496,400 | 1,472 |
| Average earning assets | $391,001,400 | 1,631 |
| Average equity | $57,486,200 | 1,368 |
| Average total loans | $325,298,800 | 1,462 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2524% | 2,426 |
| Cost of funding earning assets | 1.0059% | 191 |
| Net interest margin | 3.2465% | 4,336 |
| Noninterest income to average assets | 10.2991% | 58 |
| Noninterest expense to average assets | 11.4278% | 59 |
| Loan and lease loss provision to assets | 0.0142% | 3,864 |
| Net operating income to assets | 1.0906% | 2,127 |
| Return on assets (ROA) | 1.0946% | 2,166 |
| Pretax return on assets | 1.5518% | 1,576 |
| Return on Equity (ROE) | 9.0689% | 2,566 |
| Retained earnings to average equity (ytd only) | 4.0528% | 3,508 |
| Net charge-offs to loans | 0.0214% | 3,044 |
| Credit loss provision to net charge-offs | 96.1538% | 2,371 |
| Earnings coverage of net charge-offs (x) | 105.8102% | 668 |
| Efficiency ratio | 87.9869% | 511 |
| Assets per employee ($millions) | 1.0920% | 5,682 |
| Cash dividends to net income (ytd only)* | 55.3109% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6617% | 5,221 |
| Loan loss allowance to noncurrent loans | 426.6917% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.1092% | 4,700 |
| Noncurrent loans to loans | 0.1551% | 4,439 |
| Net loans and leases to total assets | 69.9699% | 2,561 |
| Net loans and leases to deposits | 111.5100% | 233 |
| Net loans and leases to core deposits | 129.0125% | 357 |
| Total domestic deposits to total assets | 62.7476% | 5,627 |
| Equity capital to assets | 11.7918% | 2,117 |
| Core capital (leverage) ratio | 10.0401% | 3,524 |
| Tier 1 risk-based capital ratio | 13.6075% | 3,632 |
| Total risk-based capital ratio | 14.2273% | 3,934 |
| Memoranda: | ||
| Average total assets | $470,164,750 | 1,491 |
| Average earning assets | $389,419,750 | 1,646 |
| Average equity | $56,749,250 | 1,396 |
| Average total loans | $323,221,500 | 1,479 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1219% | 2,760 |
| Cost of funding earning assets | 0.9247% | 262 |
| Net interest margin | 3.1973% | 4,426 |
| Noninterest income to average assets | 9.9676% | 60 |
| Noninterest expense to average assets | 11.4515% | 56 |
| Loan and lease loss provision to assets | 0.0141% | 3,670 |
| Net operating income to assets | 0.8376% | 3,210 |
| Return on assets (ROA) | 0.8407% | 3,246 |
| Pretax return on assets | 1.1377% | 3,017 |
| Return on Equity (ROE) | 6.9425% | 3,583 |
| Retained earnings to average equity (ytd only) | 6.9425% | 1,620 |
| Net charge-offs to loans | 0.0240% | 2,737 |
| Credit loss provision to net charge-offs | 86.8421% | 2,183 |
| Earnings coverage of net charge-offs (x) | 70.4737% | 836 |
| Efficiency ratio | 90.8918% | 410 |
| Assets per employee ($millions) | 1.1368% | 5,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6443% | 5,312 |
| Loan loss allowance to noncurrent loans | 779.0378% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.0748% | 4,900 |
| Noncurrent loans to loans | 0.0827% | 4,800 |
| Net loans and leases to total assets | 68.4969% | 2,738 |
| Net loans and leases to deposits | 118.6257% | 109 |
| Net loans and leases to core deposits | 136.9457% | 220 |
| Total domestic deposits to total assets | 57.7420% | 5,715 |
| Equity capital to assets | 11.3191% | 2,479 |
| Core capital (leverage) ratio | 11.6482% | 1,863 |
| Tier 1 risk-based capital ratio | 14.0369% | 3,416 |
| Total risk-based capital ratio | 14.6590% | 3,661 |
| Memoranda: | ||
| Average total assets | $466,734,330 | 1,502 |
| Average earning assets | $384,138,670 | 1,667 |
| Average equity | $56,521,670 | 1,402 |
| Average total loans | $316,547,670 | 1,498 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2626% | 2,061 |
| Cost of funding earning assets | 0.9043% | 275 |
| Net interest margin | 3.3582% | 3,806 |
| Noninterest income to average assets | 10.5219% | 58 |
| Noninterest expense to average assets | 12.0288% | 56 |
| Loan and lease loss provision to assets | 0.0180% | 3,335 |
| Net operating income to assets | 0.8559% | 2,966 |
| Return on assets (ROA) | 0.8559% | 3,010 |
| Pretax return on assets | 1.2129% | 2,539 |
| Return on Equity (ROE) | 6.8127% | 3,491 |
| Retained earnings to average equity (ytd only) | 6.8127% | 1,926 |
| Net charge-offs to loans | 0.0509% | 1,843 |
| Credit loss provision to net charge-offs | 52.6316% | 1,963 |
| Earnings coverage of net charge-offs (x) | 36.0263% | 1,106 |
| Efficiency ratio | 90.7174% | 519 |
| Assets per employee ($millions) | 1.1100% | 5,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7709% | 5,144 |
| Loan loss allowance to noncurrent loans | 645.8453% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.1001% | 4,866 |
| Noncurrent loans to loans | 0.1194% | 4,713 |
| Net loans and leases to total assets | 65.6764% | 3,026 |
| Net loans and leases to deposits | 101.7514% | 510 |
| Net loans and leases to core deposits | 112.0079% | 775 |
| Total domestic deposits to total assets | 64.5460% | 5,733 |
| Equity capital to assets | 12.7834% | 1,361 |
| Core capital (leverage) ratio | 11.3781% | 2,042 |
| Tier 1 risk-based capital ratio | 15.3119% | 2,831 |
| Total risk-based capital ratio | 16.0041% | 3,013 |
| Memoranda: | ||
| Average total assets | $444,900,000 | 1,583 |
| Average earning assets | $362,691,500 | 1,763 |
| Average equity | $55,896,000 | 1,408 |
| Average total loans | $298,883,000 | 1,586 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2066% | 2,466 |
| Cost of funding earning assets | 1.0737% | 113 |
| Net interest margin | 3.1330% | 4,632 |
| Noninterest income to average assets | 9.1151% | 68 |
| Noninterest expense to average assets | 9.2747% | 83 |
| Loan and lease loss provision to assets | 0.0092% | 4,185 |
| Net operating income to assets | 1.7440% | 494 |
| Return on assets (ROA) | 1.7469% | 515 |
| Pretax return on assets | 2.4319% | 221 |
| Return on Equity (ROE) | 14.6212% | 684 |
| Retained earnings to average equity (ytd only) | 10.5926% | 349 |
| Net charge-offs to loans | 0.0494% | 3,058 |
| Credit loss provision to net charge-offs | 27.3333% | 3,615 |
| Earnings coverage of net charge-offs (x) | 72.5733% | 770 |
| Efficiency ratio | 79.1914% | 1,524 |
| Assets per employee ($millions) | 1.0592% | 5,863 |
| Cash dividends to net income (ytd only)* | 27.5535% | 3,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7440% | 5,256 |
| Loan loss allowance to noncurrent loans | 732.9032% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 4,975 |
| Noncurrent loans to loans | 0.1015% | 4,828 |
| Net loans and leases to total assets | 67.6520% | 2,832 |
| Net loans and leases to deposits | 111.3655% | 195 |
| Net loans and leases to core deposits | 122.3092% | 419 |
| Total domestic deposits to total assets | 60.7477% | 5,820 |
| Equity capital to assets | 12.3471% | 1,606 |
| Core capital (leverage) ratio | 11.0245% | 2,315 |
| Tier 1 risk-based capital ratio | 14.9917% | 2,967 |
| Total risk-based capital ratio | 15.6626% | 3,164 |
| Memoranda: | ||
| Average total assets | $446,687,600 | 1,522 |
| Average earning assets | $370,225,400 | 1,680 |
| Average equity | $53,367,600 | 1,440 |
| Average total loans | $303,936,800 | 1,503 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1408% | 2,716 |
| Cost of funding earning assets | 1.0850% | 103 |
| Net interest margin | 3.0558% | 4,886 |
| Noninterest income to average assets | 8.8176% | 72 |
| Noninterest expense to average assets | 8.8116% | 88 |
| Loan and lease loss provision to assets | 0.0090% | 4,061 |
| Net operating income to assets | 1.8347% | 454 |
| Return on assets (ROA) | 1.8362% | 473 |
| Pretax return on assets | 2.5363% | 208 |
| Return on Equity (ROE) | 15.4989% | 613 |
| Retained earnings to average equity (ytd only) | 10.0779% | 561 |
| Net charge-offs to loans | 0.0624% | 2,462 |
| Credit loss provision to net charge-offs | 21.1268% | 3,289 |
| Earnings coverage of net charge-offs (x) | 59.9573% | 959 |
| Efficiency ratio | 77.6024% | 1,751 |
| Assets per employee ($millions) | 1.2022% | 5,927 |
| Cash dividends to net income (ytd only)* | 34.9765% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6822% | 5,459 |
| Loan loss allowance to noncurrent loans | 743.9344% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 4,964 |
| Noncurrent loans to loans | 0.0917% | 4,980 |
| Net loans and leases to total assets | 68.8679% | 2,663 |
| Net loans and leases to deposits | 113.6828% | 188 |
| Net loans and leases to core deposits | 123.9523% | 418 |
| Total domestic deposits to total assets | 60.5790% | 5,885 |
| Equity capital to assets | 11.4473% | 2,555 |
| Core capital (leverage) ratio | 10.7769% | 2,706 |
| Tier 1 risk-based capital ratio | 14.8801% | 3,107 |
| Total risk-based capital ratio | 15.5512% | 3,327 |
| Memoranda: | ||
| Average total assets | $446,353,250 | 1,523 |
| Average earning assets | $370,611,000 | 1,682 |
| Average equity | $52,880,000 | 1,462 |
| Average total loans | $303,578,500 | 1,508 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1598% | 2,642 |
| Cost of funding earning assets | 0.9818% | 185 |
| Net interest margin | 3.1780% | 4,617 |
| Noninterest income to average assets | 7.2805% | 83 |
| Noninterest expense to average assets | 8.2455% | 98 |
| Loan and lease loss provision to assets | 0.0064% | 3,938 |
| Net operating income to assets | 1.1635% | 1,724 |
| Return on assets (ROA) | 1.1658% | 1,819 |
| Pretax return on assets | 1.6556% | 1,208 |
| Return on Equity (ROE) | 9.7197% | 2,171 |
| Retained earnings to average equity (ytd only) | 9.7197% | 657 |
| Net charge-offs to loans | 0.0789% | 2,067 |
| Credit loss provision to net charge-offs | 12.0690% | 2,984 |
| Earnings coverage of net charge-offs (x) | 31.1207% | 1,367 |
| Efficiency ratio | 83.2514% | 1,120 |
| Assets per employee ($millions) | 1.1969% | 6,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7363% | 5,441 |
| Loan loss allowance to noncurrent loans | 534.9765% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.1468% | 4,927 |
| Noncurrent loans to loans | 0.1376% | 4,887 |
| Net loans and leases to total assets | 67.0219% | 2,935 |
| Net loans and leases to deposits | 110.4148% | 241 |
| Net loans and leases to core deposits | 120.4830% | 498 |
| Total domestic deposits to total assets | 60.7001% | 5,966 |
| Equity capital to assets | 11.6822% | 2,377 |
| Core capital (leverage) ratio | 10.7384% | 2,705 |
| Tier 1 risk-based capital ratio | 14.9994% | 3,079 |
| Total risk-based capital ratio | 15.6977% | 3,277 |
| Memoranda: | ||
| Average total assets | $435,245,000 | 1,560 |
| Average earning assets | $359,347,330 | 1,732 |
| Average equity | $52,203,330 | 1,482 |
| Average total loans | $293,900,330 | 1,547 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7338% | 4,194 |
| Cost of funding earning assets | 0.4508% | 2,572 |
| Net interest margin | 3.2830% | 4,292 |
| Noninterest income to average assets | 6.8914% | 87 |
| Noninterest expense to average assets | 7.9290% | 109 |
| Loan and lease loss provision to assets | 0.0085% | 3,575 |
| Net operating income to assets | 1.1421% | 1,741 |
| Return on assets (ROA) | 1.1434% | 1,856 |
| Pretax return on assets | 1.6579% | 1,163 |
| Return on Equity (ROE) | 9.4006% | 2,240 |
| Retained earnings to average equity (ytd only) | 9.4006% | 1,002 |
| Net charge-offs to loans | 0.0923% | 1,588 |
| Credit loss provision to net charge-offs | 13.6364% | 2,341 |
| Earnings coverage of net charge-offs (x) | 26.7121% | 1,263 |
| Efficiency ratio | 82.6493% | 1,303 |
| Assets per employee ($millions) | 1.2406% | 6,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7922% | 5,383 |
| Loan loss allowance to noncurrent loans | 492.3729% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1651% | 4,910 |
| Noncurrent loans to loans | 0.1609% | 4,848 |
| Net loans and leases to total assets | 66.4568% | 2,881 |
| Net loans and leases to deposits | 108.3090% | 274 |
| Net loans and leases to core deposits | 119.1565% | 489 |
| Total domestic deposits to total assets | 61.3585% | 6,028 |
| Equity capital to assets | 11.9201% | 2,078 |
| Core capital (leverage) ratio | 11.8390% | 1,720 |
| Tier 1 risk-based capital ratio | 14.9660% | 3,176 |
| Total risk-based capital ratio | 15.6985% | 3,357 |
| Memoranda: | ||
| Average total assets | $423,659,500 | 1,599 |
| Average earning assets | $348,709,000 | 1,779 |
| Average equity | $51,528,500 | 1,492 |
| Average total loans | $286,091,500 | 1,584 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0984% | 2,925 |
| Cost of funding earning assets | 0.5151% | 2,030 |
| Net interest margin | 3.5833% | 3,199 |
| Noninterest income to average assets | 7.6045% | 82 |
| Noninterest expense to average assets | 8.1349% | 104 |
| Loan and lease loss provision to assets | 0.1110% | 2,141 |
| Net operating income to assets | 1.5531% | 780 |
| Return on assets (ROA) | 1.5703% | 772 |
| Pretax return on assets | 2.3301% | 280 |
| Return on Equity (ROE) | 12.3626% | 1,217 |
| Retained earnings to average equity (ytd only) | 8.6605% | 740 |
| Net charge-offs to loans | 0.0325% | 3,570 |
| Credit loss provision to net charge-offs | 520.4819% | 627 |
| Earnings coverage of net charge-offs (x) | 113.2530% | 525 |
| Efficiency ratio | 77.1056% | 2,104 |
| Assets per employee ($millions) | 1.2041% | 6,127 |
| Cash dividends to net income (ytd only)* | 29.9460% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8539% | 5,258 |
| Loan loss allowance to noncurrent loans | 465.0391% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.2064% | 4,771 |
| Noncurrent loans to loans | 0.1836% | 4,757 |
| Net loans and leases to total assets | 67.5259% | 2,781 |
| Net loans and leases to deposits | 107.4245% | 313 |
| Net loans and leases to core deposits | 118.8731% | 510 |
| Total domestic deposits to total assets | 62.8590% | 6,062 |
| Equity capital to assets | 12.4222% | 1,660 |
| Core capital (leverage) ratio | 11.7962% | 1,759 |
| Tier 1 risk-based capital ratio | 15.8552% | 2,758 |
| Total risk-based capital ratio | 16.6578% | 2,918 |
| Memoranda: | ||
| Average total assets | $389,164,400 | 1,692 |
| Average earning assets | $319,930,600 | 1,891 |
| Average equity | $49,431,400 | 1,508 |
| Average total loans | $255,020,200 | 1,701 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1274% | 2,820 |
| Cost of funding earning assets | 0.5280% | 1,979 |
| Net interest margin | 3.5994% | 3,162 |
| Noninterest income to average assets | 7.8393% | 85 |
| Noninterest expense to average assets | 8.0479% | 112 |
| Loan and lease loss provision to assets | 0.1045% | 2,120 |
| Net operating income to assets | 1.7675% | 557 |
| Return on assets (ROA) | 1.7908% | 553 |
| Pretax return on assets | 2.6749% | 179 |
| Return on Equity (ROE) | 14.0161% | 903 |
| Retained earnings to average equity (ytd only) | 9.0444% | 883 |
| Net charge-offs to loans | 0.0460% | 2,975 |
| Credit loss provision to net charge-offs | 350.0000% | 839 |
| Earnings coverage of net charge-offs (x) | 91.9449% | 672 |
| Efficiency ratio | 74.5690% | 2,463 |
| Assets per employee ($millions) | 1.1797% | 6,214 |
| Cash dividends to net income (ytd only)* | 35.4720% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8272% | 5,449 |
| Loan loss allowance to noncurrent loans | 594.4444% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.1817% | 5,030 |
| Noncurrent loans to loans | 0.1392% | 5,075 |
| Net loans and leases to total assets | 66.7700% | 2,884 |
| Net loans and leases to deposits | 101.4369% | 580 |
| Net loans and leases to core deposits | 111.9935% | 763 |
| Total domestic deposits to total assets | 65.8242% | 6,097 |
| Equity capital to assets | 12.3969% | 1,799 |
| Core capital (leverage) ratio | 11.0548% | 2,425 |
| Tier 1 risk-based capital ratio | 15.6670% | 2,963 |
| Total risk-based capital ratio | 16.4227% | 3,137 |
| Memoranda: | ||
| Average total assets | $384,108,500 | 1,724 |
| Average earning assets | $315,156,000 | 1,931 |
| Average equity | $49,075,500 | 1,527 |
| Average total loans | $249,069,250 | 1,744 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1543% | 2,707 |
| Cost of funding earning assets | 0.5453% | 1,865 |
| Net interest margin | 3.6091% | 3,047 |
| Noninterest income to average assets | 8.2815% | 88 |
| Noninterest expense to average assets | 7.9241% | 114 |
| Loan and lease loss provision to assets | 0.1133% | 1,943 |
| Net operating income to assets | 2.1135% | 306 |
| Return on assets (ROA) | 2.1485% | 296 |
| Pretax return on assets | 3.2484% | 115 |
| Return on Equity (ROE) | 16.6400% | 535 |
| Retained earnings to average equity (ytd only) | 16.6400% | 138 |
| Net charge-offs to loans | 0.0571% | 2,582 |
| Credit loss provision to net charge-offs | 310.1449% | 912 |
| Earnings coverage of net charge-offs (x) | 90.5507% | 644 |
| Efficiency ratio | 70.5436% | 3,249 |
| Assets per employee ($millions) | 1.2680% | 6,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8192% | 5,547 |
| Loan loss allowance to noncurrent loans | 356.3011% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.2801% | 4,757 |
| Noncurrent loans to loans | 0.2299% | 4,854 |
| Net loans and leases to total assets | 64.3516% | 3,218 |
| Net loans and leases to deposits | 102.7941% | 514 |
| Net loans and leases to core deposits | 113.6302% | 683 |
| Total domestic deposits to total assets | 62.6025% | 6,219 |
| Equity capital to assets | 12.3530% | 1,767 |
| Core capital (leverage) ratio | 11.8060% | 1,771 |
| Tier 1 risk-based capital ratio | 15.5061% | 3,100 |
| Total risk-based capital ratio | 16.2476% | 3,291 |
| Memoranda: | ||
| Average total assets | $377,659,670 | 1,760 |
| Average earning assets | $308,833,670 | 1,988 |
| Average equity | $48,762,000 | 1,540 |
| Average total loans | $241,547,670 | 1,800 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1880% | 2,507 |
| Cost of funding earning assets | 0.5784% | 1,589 |
| Net interest margin | 3.6096% | 2,967 |
| Noninterest income to average assets | 7.7721% | 92 |
| Noninterest expense to average assets | 7.7179% | 127 |
| Loan and lease loss provision to assets | 0.1714% | 1,150 |
| Net operating income to assets | 1.9209% | 390 |
| Return on assets (ROA) | 1.9209% | 412 |
| Pretax return on assets | 2.8642% | 143 |
| Return on Equity (ROE) | 14.5216% | 784 |
| Retained earnings to average equity (ytd only) | 14.5216% | 320 |
| Net charge-offs to loans | 0.0889% | 1,825 |
| Credit loss provision to net charge-offs | 303.9216% | 795 |
| Earnings coverage of net charge-offs (x) | 53.8235% | 793 |
| Efficiency ratio | 71.7709% | 3,207 |
| Assets per employee ($millions) | 1.2492% | 6,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8801% | 5,501 |
| Loan loss allowance to noncurrent loans | 394.8244% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.2939% | 4,796 |
| Noncurrent loans to loans | 0.2229% | 4,977 |
| Net loans and leases to total assets | 63.9782% | 3,091 |
| Net loans and leases to deposits | 96.3151% | 811 |
| Net loans and leases to core deposits | 107.3154% | 854 |
| Total domestic deposits to total assets | 66.4259% | 6,236 |
| Equity capital to assets | 12.9890% | 1,411 |
| Core capital (leverage) ratio | 12.5636% | 1,335 |
| Tier 1 risk-based capital ratio | 16.5212% | 2,675 |
| Total risk-based capital ratio | 16.5212% | 3,203 |
| Memoranda: | ||
| Average total assets | $361,706,000 | 1,833 |
| Average earning assets | $298,755,500 | 2,061 |
| Average equity | $47,846,000 | 1,572 |
| Average total loans | $229,451,500 | 1,876 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3625% | 2,364 |
| Cost of funding earning assets | 0.6539% | 1,381 |
| Net interest margin | 3.7087% | 2,980 |
| Noninterest income to average assets | 5.6867% | 108 |
| Noninterest expense to average assets | 7.6546% | 118 |
| Loan and lease loss provision to assets | 0.1615% | 1,628 |
| Net operating income to assets | 0.7662% | 3,534 |
| Return on assets (ROA) | 0.7812% | 3,552 |
| Pretax return on assets | 0.9979% | 3,506 |
| Return on Equity (ROE) | 5.5364% | 4,388 |
| Retained earnings to average equity (ytd only) | 1.5987% | 5,025 |
| Net charge-offs to loans | 0.2760% | 1,568 |
| Credit loss provision to net charge-offs | 98.7013% | 2,458 |
| Earnings coverage of net charge-offs (x) | 6.9685% | 3,108 |
| Efficiency ratio | 87.0344% | 1,074 |
| Assets per employee ($millions) | 1.1427% | 6,449 |
| Cash dividends to net income (ytd only)* | 71.1232% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9399% | 5,335 |
| Loan loss allowance to noncurrent loans | 601.1834% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.2640% | 4,973 |
| Noncurrent loans to loans | 0.1563% | 5,272 |
| Net loans and leases to total assets | 61.6492% | 3,546 |
| Net loans and leases to deposits | 88.6481% | 1,657 |
| Net loans and leases to core deposits | 98.6649% | 1,493 |
| Total domestic deposits to total assets | 69.5437% | 6,214 |
| Equity capital to assets | 13.4865% | 1,168 |
| Core capital (leverage) ratio | 12.6984% | 1,254 |
| Tier 1 risk-based capital ratio | 15.0047% | 3,485 |
| Total risk-based capital ratio | 15.7005% | 3,742 |
| Memoranda: | ||
| Average total assets | $329,384,800 | 1,975 |
| Average earning assets | $276,056,400 | 2,157 |
| Average equity | $46,474,000 | 1,546 |
| Average total loans | $195,316,400 | 2,068 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3033% | 2,619 |
| Cost of funding earning assets | 0.6571% | 1,410 |
| Net interest margin | 3.6462% | 3,239 |
| Noninterest income to average assets | 5.8370% | 106 |
| Noninterest expense to average assets | 7.4249% | 127 |
| Loan and lease loss provision to assets | 0.1744% | 1,406 |
| Net operating income to assets | 0.9707% | 2,591 |
| Return on assets (ROA) | 0.9899% | 2,561 |
| Pretax return on assets | 1.3334% | 2,262 |
| Return on Equity (ROE) | 6.9339% | 3,734 |
| Retained earnings to average equity (ytd only) | 1.6731% | 5,212 |
| Net charge-offs to loans | 0.3689% | 1,085 |
| Credit loss provision to net charge-offs | 80.7985% | 2,579 |
| Earnings coverage of net charge-offs (x) | 6.8650% | 3,011 |
| Efficiency ratio | 83.3617% | 1,463 |
| Assets per employee ($millions) | 1.1508% | 6,528 |
| Cash dividends to net income (ytd only)* | 75.8707% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9298% | 5,499 |
| Loan loss allowance to noncurrent loans | 384.5238% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.2819% | 5,141 |
| Noncurrent loans to loans | 0.2418% | 5,172 |
| Net loans and leases to total assets | 60.8239% | 3,653 |
| Net loans and leases to deposits | 85.1792% | 2,009 |
| Net loans and leases to core deposits | 94.0195% | 1,859 |
| Total domestic deposits to total assets | 71.4069% | 6,209 |
| Equity capital to assets | 13.7392% | 1,099 |
| Core capital (leverage) ratio | 12.9872% | 1,183 |
| Tier 1 risk-based capital ratio | 15.6786% | 3,227 |
| Total risk-based capital ratio | 16.3733% | 3,459 |
| Memoranda: | ||
| Average total assets | $324,882,750 | 2,014 |
| Average earning assets | $273,520,750 | 2,188 |
| Average equity | $46,379,750 | 1,556 |
| Average total loans | $190,096,250 | 2,129 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1441% | 3,174 |
| Cost of funding earning assets | 0.6547% | 1,473 |
| Net interest margin | 3.4894% | 3,821 |
| Noninterest income to average assets | 5.7710% | 106 |
| Noninterest expense to average assets | 7.3841% | 126 |
| Loan and lease loss provision to assets | 0.1969% | 1,237 |
| Net operating income to assets | 0.8782% | 2,917 |
| Return on assets (ROA) | 0.9081% | 2,866 |
| Pretax return on assets | 1.1875% | 2,718 |
| Return on Equity (ROE) | 6.2776% | 4,010 |
| Retained earnings to average equity (ytd only) | 6.2776% | 2,168 |
| Net charge-offs to loans | 0.5185% | 782 |
| Credit loss provision to net charge-offs | 66.0377% | 2,536 |
| Earnings coverage of net charge-offs (x) | 4.5115% | 3,097 |
| Efficiency ratio | 84.5923% | 1,433 |
| Assets per employee ($millions) | 1.1311% | 6,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8832% | 5,772 |
| Loan loss allowance to noncurrent loans | 249.9334% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.3613% | 4,942 |
| Noncurrent loans to loans | 0.3534% | 4,938 |
| Net loans and leases to total assets | 62.0756% | 3,391 |
| Net loans and leases to deposits | 91.1165% | 1,262 |
| Net loans and leases to core deposits | 101.4453% | 1,176 |
| Total domestic deposits to total assets | 68.1277% | 6,421 |
| Equity capital to assets | 13.9797% | 975 |
| Core capital (leverage) ratio | 14.1595% | 787 |
| Tier 1 risk-based capital ratio | 15.9615% | 3,112 |
| Total risk-based capital ratio | 16.6301% | 3,365 |
| Memoranda: | ||
| Average total assets | $320,012,000 | 2,045 |
| Average earning assets | $271,279,000 | 2,199 |
| Average equity | $46,291,670 | 1,549 |
| Average total loans | $183,984,330 | 2,187 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0703% | 3,397 |
| Cost of funding earning assets | 0.6761% | 1,399 |
| Net interest margin | 3.3942% | 4,141 |
| Noninterest income to average assets | 5.2829% | 111 |
| Noninterest expense to average assets | 7.1002% | 133 |
| Loan and lease loss provision to assets | 0.1392% | 1,749 |
| Net operating income to assets | 0.7488% | 3,423 |
| Return on assets (ROA) | 0.7488% | 3,505 |
| Pretax return on assets | 0.9099% | 3,660 |
| Return on Equity (ROE) | 5.0832% | 4,508 |
| Retained earnings to average equity (ytd only) | 5.0832% | 3,075 |
| Net charge-offs to loans | 1.1761% | 284 |
| Credit loss provision to net charge-offs | 21.6433% | 2,483 |
| Earnings coverage of net charge-offs (x) | 1.6313% | 3,052 |
| Efficiency ratio | 87.1264% | 1,330 |
| Assets per employee ($millions) | 1.1913% | 6,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9548% | 5,685 |
| Loan loss allowance to noncurrent loans | 208.3439% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.4226% | 4,866 |
| Noncurrent loans to loans | 0.4583% | 4,780 |
| Net loans and leases to total assets | 54.7684% | 4,312 |
| Net loans and leases to deposits | 77.6324% | 2,614 |
| Net loans and leases to core deposits | 86.6925% | 2,242 |
| Total domestic deposits to total assets | 70.5484% | 6,429 |
| Equity capital to assets | 14.7932% | 712 |
| Core capital (leverage) ratio | 14.2524% | 743 |
| Tier 1 risk-based capital ratio | 18.0349% | 2,281 |
| Total risk-based capital ratio | 18.7088% | 2,459 |
| Memoranda: | ||
| Average total assets | $310,358,000 | 2,109 |
| Average earning assets | $262,095,500 | 2,270 |
| Average equity | $45,719,500 | 1,562 |
| Average total loans | $169,720,500 | 2,351 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3223% | 2,874 |
| Cost of funding earning assets | 0.8193% | 1,096 |
| Net interest margin | 3.5030% | 3,897 |
| Noninterest income to average assets | 7.4839% | 85 |
| Noninterest expense to average assets | 8.3898% | 105 |
| Loan and lease loss provision to assets | 0.0716% | 3,683 |
| Net operating income to assets | 1.4063% | 1,012 |
| Return on assets (ROA) | 1.4134% | 1,035 |
| Pretax return on assets | 1.9910% | 495 |
| Return on Equity (ROE) | 9.7738% | 2,206 |
| Retained earnings to average equity (ytd only) | 3.2116% | 3,945 |
| Net charge-offs to loans | 0.2818% | 2,286 |
| Credit loss provision to net charge-offs | 45.1485% | 3,936 |
| Earnings coverage of net charge-offs (x) | 12.9347% | 2,080 |
| Efficiency ratio | 80.3437% | 2,098 |
| Assets per employee ($millions) | 1.0828% | 6,751 |
| Cash dividends to net income (ytd only)* | 67.1410% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 4,535 |
| Loan loss allowance to noncurrent loans | 272.5936% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.4222% | 4,988 |
| Noncurrent loans to loans | 0.4483% | 4,876 |
| Net loans and leases to total assets | 53.4067% | 4,667 |
| Net loans and leases to deposits | 74.2430% | 3,223 |
| Net loans and leases to core deposits | 81.8985% | 2,906 |
| Total domestic deposits to total assets | 71.9350% | 6,423 |
| Equity capital to assets | 14.6685% | 747 |
| Core capital (leverage) ratio | 13.9274% | 844 |
| Tier 1 risk-based capital ratio | 18.2294% | 2,173 |
| Total risk-based capital ratio | 19.0825% | 2,265 |
| Memoranda: | ||
| Average total assets | $318,231,200 | 2,021 |
| Average earning assets | $268,768,200 | 2,194 |
| Average equity | $46,021,200 | 1,521 |
| Average total loans | $179,234,600 | 2,199 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2898% | 3,039 |
| Cost of funding earning assets | 0.8509% | 1,041 |
| Net interest margin | 3.4389% | 4,127 |
| Noninterest income to average assets | 7.9380% | 82 |
| Noninterest expense to average assets | 8.2062% | 113 |
| Loan and lease loss provision to assets | 0.0478% | 4,058 |
| Net operating income to assets | 1.7828% | 539 |
| Return on assets (ROA) | 1.7914% | 556 |
| Pretax return on assets | 2.6055% | 214 |
| Return on Equity (ROE) | 12.4298% | 1,368 |
| Retained earnings to average equity (ytd only) | 3.7163% | 4,050 |
| Net charge-offs to loans | 0.3605% | 1,756 |
| Credit loss provision to net charge-offs | 23.3266% | 4,011 |
| Earnings coverage of net charge-offs (x) | 12.8823% | 2,086 |
| Efficiency ratio | 75.6536% | 2,781 |
| Assets per employee ($millions) | 1.0164% | 6,831 |
| Cash dividends to net income (ytd only)* | 70.1022% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1591% | 5,075 |
| Loan loss allowance to noncurrent loans | 165.9247% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.6581% | 4,462 |
| Noncurrent loans to loans | 0.6986% | 4,452 |
| Net loans and leases to total assets | 52.6195% | 4,802 |
| Net loans and leases to deposits | 73.3892% | 3,335 |
| Net loans and leases to core deposits | 81.8661% | 2,885 |
| Total domestic deposits to total assets | 71.6992% | 6,513 |
| Equity capital to assets | 14.4655% | 837 |
| Core capital (leverage) ratio | 13.8270% | 913 |
| Tier 1 risk-based capital ratio | 18.1155% | 2,278 |
| Total risk-based capital ratio | 18.9227% | 2,416 |
| Memoranda: | ||
| Average total assets | $320,642,250 | 2,012 |
| Average earning assets | $271,243,750 | 2,177 |
| Average equity | $46,210,250 | 1,528 |
| Average total loans | $182,332,000 | 2,178 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3011% | 2,948 |
| Cost of funding earning assets | 0.8952% | 920 |
| Net interest margin | 3.4060% | 4,170 |
| Noninterest income to average assets | 8.4837% | 83 |
| Noninterest expense to average assets | 8.0872% | 117 |
| Loan and lease loss provision to assets | 0.0644% | 3,731 |
| Net operating income to assets | 2.1757% | 273 |
| Return on assets (ROA) | 2.1881% | 284 |
| Pretax return on assets | 3.2500% | 125 |
| Return on Equity (ROE) | 15.2013% | 770 |
| Retained earnings to average equity (ytd only) | 9.9506% | 854 |
| Net charge-offs to loans | 0.2167% | 2,461 |
| Credit loss provision to net charge-offs | 51.2315% | 3,190 |
| Earnings coverage of net charge-offs (x) | 26.2069% | 1,245 |
| Efficiency ratio | 71.0460% | 3,634 |
| Assets per employee ($millions) | 1.0590% | 6,876 |
| Cash dividends to net income (ytd only)* | 34.5413% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 5,055 |
| Loan loss allowance to noncurrent loans | 182.6194% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.6933% | 4,487 |
| Noncurrent loans to loans | 0.6503% | 4,642 |
| Net loans and leases to total assets | 57.8725% | 4,011 |
| Net loans and leases to deposits | 81.2781% | 2,148 |
| Net loans and leases to core deposits | 91.0959% | 1,798 |
| Total domestic deposits to total assets | 71.2031% | 6,609 |
| Equity capital to assets | 14.5845% | 798 |
| Core capital (leverage) ratio | 13.7043% | 912 |
| Tier 1 risk-based capital ratio | 17.4863% | 2,518 |
| Total risk-based capital ratio | 18.3547% | 2,646 |
| Memoranda: | ||
| Average total assets | $322,832,330 | 2,008 |
| Average earning assets | $274,812,670 | 2,157 |
| Average equity | $46,469,670 | 1,521 |
| Average total loans | $187,375,670 | 2,132 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2430% | 3,139 |
| Cost of funding earning assets | 0.9260% | 871 |
| Net interest margin | 3.3170% | 4,457 |
| Noninterest income to average assets | 8.2457% | 85 |
| Noninterest expense to average assets | 8.2753% | 116 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.9178% | 393 |
| Return on assets (ROA) | 1.9429% | 410 |
| Pretax return on assets | 2.8565% | 182 |
| Return on Equity (ROE) | 13.5859% | 1,037 |
| Retained earnings to average equity (ytd only) | 13.5859% | 486 |
| Net charge-offs to loans | 0.1001% | 2,855 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 48.7234% | 685 |
| Efficiency ratio | 74.5866% | 3,158 |
| Assets per employee ($millions) | 1.1754% | 6,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 5,032 |
| Loan loss allowance to noncurrent loans | 138.2693% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.7599% | 4,478 |
| Noncurrent loans to loans | 0.8923% | 4,353 |
| Net loans and leases to total assets | 55.3884% | 4,184 |
| Net loans and leases to deposits | 77.3560% | 2,442 |
| Net loans and leases to core deposits | 86.3619% | 2,073 |
| Total domestic deposits to total assets | 71.6019% | 6,677 |
| Equity capital to assets | 14.3532% | 921 |
| Core capital (leverage) ratio | 13.8352% | 840 |
| Tier 1 risk-based capital ratio | 17.4273% | 2,590 |
| Total risk-based capital ratio | 18.3248% | 2,689 |
| Memoranda: | ||
| Average total assets | $324,870,500 | 2,023 |
| Average earning assets | $279,048,500 | 2,160 |
| Average equity | $46,460,000 | 1,544 |
| Average total loans | $187,719,000 | 2,138 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5357% | 3,257 |
| Cost of funding earning assets | 1.1386% | 774 |
| Net interest margin | 3.3971% | 4,893 |
| Noninterest income to average assets | 7.4065% | 98 |
| Noninterest expense to average assets | 6.9034% | 154 |
| Loan and lease loss provision to assets | 0.0175% | 5,683 |
| Net operating income to assets | 2.3331% | 197 |
| Return on assets (ROA) | 2.3331% | 215 |
| Pretax return on assets | 3.4649% | 99 |
| Return on Equity (ROE) | 17.5442% | 481 |
| Retained earnings to average equity (ytd only) | 12.9249% | 259 |
| Net charge-offs to loans | 0.3459% | 2,906 |
| Credit loss provision to net charge-offs | 8.1897% | 5,414 |
| Earnings coverage of net charge-offs (x) | 16.2902% | 1,586 |
| Efficiency ratio | 66.4695% | 4,416 |
| Assets per employee ($millions) | 1.2235% | 7,010 |
| Cash dividends to net income (ytd only)* | 26.3296% | 3,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 5,074 |
| Loan loss allowance to noncurrent loans | 110.3383% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 1.0799% | 3,863 |
| Noncurrent loans to loans | 1.0959% | 4,018 |
| Net loans and leases to total assets | 58.7980% | 3,838 |
| Net loans and leases to deposits | 81.7939% | 2,027 |
| Net loans and leases to core deposits | 91.2373% | 1,703 |
| Total domestic deposits to total assets | 71.8857% | 6,698 |
| Equity capital to assets | 14.2480% | 957 |
| Core capital (leverage) ratio | 13.0607% | 1,096 |
| Tier 1 risk-based capital ratio | 18.5931% | 2,072 |
| Total risk-based capital ratio | 19.6053% | 2,113 |
| Memoranda: | ||
| Average total assets | $325,577,200 | 1,973 |
| Average earning assets | $285,534,400 | 2,070 |
| Average equity | $43,296,400 | 1,607 |
| Average total loans | $201,227,400 | 1,997 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6052% | 3,180 |
| Cost of funding earning assets | 1.1653% | 809 |
| Net interest margin | 3.4399% | 4,878 |
| Noninterest income to average assets | 6.9829% | 98 |
| Noninterest expense to average assets | 6.3651% | 185 |
| Loan and lease loss provision to assets | 0.0184% | 5,572 |
| Net operating income to assets | 2.4304% | 200 |
| Return on assets (ROA) | 2.4304% | 216 |
| Pretax return on assets | 3.6191% | 96 |
| Return on Equity (ROE) | 18.6032% | 430 |
| Retained earnings to average equity (ytd only) | 12.3521% | 474 |
| Net charge-offs to loans | 0.4472% | 2,321 |
| Credit loss provision to net charge-offs | 6.5886% | 5,115 |
| Earnings coverage of net charge-offs (x) | 13.0425% | 1,954 |
| Efficiency ratio | 63.6349% | 4,866 |
| Assets per employee ($millions) | 1.3401% | 7,098 |
| Cash dividends to net income (ytd only)* | 33.6022% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1183% | 5,646 |
| Loan loss allowance to noncurrent loans | 110.0190% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.9898% | 4,302 |
| Noncurrent loans to loans | 1.0165% | 4,419 |
| Net loans and leases to total assets | 60.4256% | 3,688 |
| Net loans and leases to deposits | 85.0579% | 1,718 |
| Net loans and leases to core deposits | 94.6759% | 1,516 |
| Total domestic deposits to total assets | 71.0406% | 6,791 |
| Equity capital to assets | 13.1105% | 1,540 |
| Core capital (leverage) ratio | 12.5154% | 1,401 |
| Tier 1 risk-based capital ratio | 14.3083% | 4,327 |
| Total risk-based capital ratio | 15.1169% | 4,593 |
| Memoranda: | ||
| Average total assets | $326,523,250 | 1,992 |
| Average earning assets | $286,625,750 | 2,089 |
| Average equity | $42,658,250 | 1,649 |
| Average total loans | $203,653,250 | 1,998 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6699% | 3,047 |
| Cost of funding earning assets | 1.1989% | 829 |
| Net interest margin | 3.4710% | 4,795 |
| Noninterest income to average assets | 6.1412% | 113 |
| Noninterest expense to average assets | 5.7832% | 241 |
| Loan and lease loss provision to assets | 0.0130% | 5,502 |
| Net operating income to assets | 2.3012% | 239 |
| Return on assets (ROA) | 2.3012% | 268 |
| Pretax return on assets | 3.4094% | 115 |
| Return on Equity (ROE) | 17.6364% | 553 |
| Retained earnings to average equity (ytd only) | 17.6364% | 156 |
| Net charge-offs to loans | 0.0583% | 4,604 |
| Credit loss provision to net charge-offs | 35.5932% | 4,349 |
| Earnings coverage of net charge-offs (x) | 93.4915% | 458 |
| Efficiency ratio | 62.8227% | 5,113 |
| Assets per employee ($millions) | 1.4957% | 7,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4375% | 4,303 |
| Loan loss allowance to noncurrent loans | 96.2071% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 1.5439% | 3,387 |
| Noncurrent loans to loans | 1.4941% | 3,666 |
| Net loans and leases to total assets | 60.7844% | 3,664 |
| Net loans and leases to deposits | 82.8098% | 2,004 |
| Net loans and leases to core deposits | 93.2447% | 1,666 |
| Total domestic deposits to total assets | 73.4024% | 6,717 |
| Equity capital to assets | 13.4292% | 1,329 |
| Core capital (leverage) ratio | 12.6720% | 1,280 |
| Tier 1 risk-based capital ratio | 17.3691% | 2,522 |
| Total risk-based capital ratio | 18.6100% | 2,491 |
| Memoranda: | ||
| Average total assets | $322,347,670 | 2,011 |
| Average earning assets | $284,589,330 | 2,095 |
| Average equity | $42,060,670 | 1,659 |
| Average total loans | $202,474,330 | 2,003 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8536% | 2,428 |
| Cost of funding earning assets | 1.2369% | 817 |
| Net interest margin | 3.6167% | 4,194 |
| Noninterest income to average assets | 4.8853% | 135 |
| Noninterest expense to average assets | 5.5737% | 256 |
| Loan and lease loss provision to assets | 0.0088% | 5,179 |
| Net operating income to assets | 1.7379% | 676 |
| Return on assets (ROA) | 1.7379% | 753 |
| Pretax return on assets | 2.4928% | 337 |
| Return on Equity (ROE) | 13.5229% | 1,290 |
| Retained earnings to average equity (ytd only) | 13.5229% | 619 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0217% | 3,980 |
| Assets per employee ($millions) | 1.4164% | 7,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4876% | 4,225 |
| Loan loss allowance to noncurrent loans | 175.8907% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 1.4196% | 3,738 |
| Noncurrent loans to loans | 0.8457% | 4,986 |
| Net loans and leases to total assets | 61.5504% | 3,346 |
| Net loans and leases to deposits | 81.1769% | 2,037 |
| Net loans and leases to core deposits | 91.4876% | 1,703 |
| Total domestic deposits to total assets | 75.8226% | 6,565 |
| Equity capital to assets | 13.0726% | 1,410 |
| Core capital (leverage) ratio | 12.1614% | 1,498 |
| Tier 1 risk-based capital ratio | 16.4145% | 2,953 |
| Total risk-based capital ratio | 17.6648% | 2,913 |
| Memoranda: | ||
| Average total assets | $318,999,000 | 2,037 |
| Average earning assets | $281,358,500 | 2,123 |
| Average equity | $40,997,000 | 1,699 |
| Average total loans | $202,249,000 | 2,016 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0280% | 2,764 |
| Cost of funding earning assets | 1.4965% | 730 |
| Net interest margin | 3.5315% | 5,016 |
| Noninterest income to average assets | 4.3410% | 142 |
| Noninterest expense to average assets | 5.5185% | 261 |
| Loan and lease loss provision to assets | 0.3118% | 3,177 |
| Net operating income to assets | 1.1622% | 1,632 |
| Return on assets (ROA) | 1.2871% | 1,383 |
| Pretax return on assets | 1.7813% | 840 |
| Return on Equity (ROE) | 10.7738% | 1,777 |
| Retained earnings to average equity (ytd only) | 6.7964% | 1,592 |
| Net charge-offs to loans | 0.3746% | 3,534 |
| Credit loss provision to net charge-offs | 139.5804% | 2,115 |
| Earnings coverage of net charge-offs (x) | 8.5944% | 2,119 |
| Efficiency ratio | 74.1915% | 3,200 |
| Assets per employee ($millions) | 1.5500% | 7,252 |
| Cash dividends to net income (ytd only)* | 36.9175% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 4,294 |
| Loan loss allowance to noncurrent loans | 137.3141% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 1.5120% | 3,686 |
| Noncurrent loans to loans | 1.0478% | 4,613 |
| Net loans and leases to total assets | 63.3952% | 3,310 |
| Net loans and leases to deposits | 84.3094% | 1,881 |
| Net loans and leases to core deposits | 94.7851% | 1,614 |
| Total domestic deposits to total assets | 75.1935% | 6,577 |
| Equity capital to assets | 12.6314% | 1,720 |
| Core capital (leverage) ratio | 11.1054% | 2,184 |
| Tier 1 risk-based capital ratio | 15.3240% | 3,438 |
| Total risk-based capital ratio | 16.5439% | 3,413 |
| Memoranda: | ||
| Average total assets | $320,107,400 | 2,007 |
| Average earning assets | $280,727,600 | 2,090 |
| Average equity | $38,241,000 | 1,762 |
| Average total loans | $190,850,200 | 2,122 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9792% | 3,192 |
| Cost of funding earning assets | 1.5632% | 681 |
| Net interest margin | 3.4160% | 5,520 |
| Noninterest income to average assets | 4.2612% | 146 |
| Noninterest expense to average assets | 5.2915% | 289 |
| Loan and lease loss provision to assets | 0.2860% | 3,229 |
| Net operating income to assets | 1.2064% | 1,635 |
| Return on assets (ROA) | 1.2783% | 1,537 |
| Pretax return on assets | 1.7683% | 1,012 |
| Return on Equity (ROE) | 10.8557% | 1,912 |
| Retained earnings to average equity (ytd only) | 5.4791% | 2,870 |
| Net charge-offs to loans | 0.3739% | 3,229 |
| Credit loss provision to net charge-offs | 130.8571% | 2,434 |
| Earnings coverage of net charge-offs (x) | 8.9429% | 2,110 |
| Efficiency ratio | 73.0281% | 3,356 |
| Assets per employee ($millions) | 1.5174% | 7,338 |
| Cash dividends to net income (ytd only)* | 49.5279% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4587% | 4,297 |
| Loan loss allowance to noncurrent loans | 146.1578% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 1.3414% | 4,129 |
| Noncurrent loans to loans | 0.9981% | 4,896 |
| Net loans and leases to total assets | 58.6825% | 4,375 |
| Net loans and leases to deposits | 79.5050% | 2,720 |
| Net loans and leases to core deposits | 90.2786% | 2,214 |
| Total domestic deposits to total assets | 73.8098% | 6,783 |
| Equity capital to assets | 12.1764% | 2,123 |
| Core capital (leverage) ratio | 11.3371% | 2,134 |
| Tier 1 risk-based capital ratio | 15.5300% | 3,368 |
| Total risk-based capital ratio | 16.7496% | 3,360 |
| Memoranda: | ||
| Average total assets | $320,307,250 | 2,012 |
| Average earning assets | $279,850,750 | 2,102 |
| Average equity | $37,718,000 | 1,791 |
| Average total loans | $187,217,500 | 2,175 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0232% | 3,049 |
| Cost of funding earning assets | 1.5985% | 697 |
| Net interest margin | 3.4247% | 5,464 |
| Noninterest income to average assets | 4.6279% | 143 |
| Noninterest expense to average assets | 6.3268% | 171 |
| Loan and lease loss provision to assets | 0.3280% | 2,821 |
| Net operating income to assets | 0.7618% | 3,238 |
| Return on assets (ROA) | 0.8413% | 2,998 |
| Pretax return on assets | 1.0700% | 2,965 |
| Return on Equity (ROE) | 7.2282% | 3,333 |
| Retained earnings to average equity (ytd only) | 7.2282% | 1,774 |
| Net charge-offs to loans | 0.7313% | 2,044 |
| Credit loss provision to net charge-offs | 77.2189% | 3,850 |
| Earnings coverage of net charge-offs (x) | 3.0547% | 3,325 |
| Efficiency ratio | 82.9831% | 1,959 |
| Assets per employee ($millions) | 1.9694% | 7,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4107% | 4,515 |
| Loan loss allowance to noncurrent loans | 338.8964% | 942 |
| Noncurrent assets plus other real estate owned to assets | 1.0442% | 4,794 |
| Noncurrent loans to loans | 0.4163% | 6,074 |
| Net loans and leases to total assets | 54.8213% | 5,174 |
| Net loans and leases to deposits | 73.2260% | 3,914 |
| Net loans and leases to core deposits | 83.4866% | 3,290 |
| Total domestic deposits to total assets | 74.8658% | 6,743 |
| Equity capital to assets | 11.9406% | 2,130 |
| Core capital (leverage) ratio | 11.2355% | 2,083 |
| Tier 1 risk-based capital ratio | 15.8402% | 3,060 |
| Total risk-based capital ratio | 16.9520% | 3,102 |
| Memoranda: | ||
| Average total assets | $318,330,670 | 2,031 |
| Average earning assets | $278,507,000 | 2,117 |
| Average equity | $37,049,330 | 1,807 |
| Average total loans | $184,864,000 | 2,223 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9138% | 3,521 |
| Cost of funding earning assets | 1.5770% | 888 |
| Net interest margin | 3.3368% | 5,654 |
| Noninterest income to average assets | 4.2260% | 153 |
| Noninterest expense to average assets | 5.8954% | 205 |
| Loan and lease loss provision to assets | 0.3861% | 2,250 |
| Net operating income to assets | 0.7016% | 3,514 |
| Return on assets (ROA) | 0.7016% | 3,580 |
| Pretax return on assets | 0.8682% | 3,632 |
| Return on Equity (ROE) | 6.1084% | 3,839 |
| Retained earnings to average equity (ytd only) | 6.1084% | 2,570 |
| Net charge-offs to loans | 0.1000% | 3,952 |
| Credit loss provision to net charge-offs | 651.0638% | 581 |
| Earnings coverage of net charge-offs (x) | 21.1489% | 1,088 |
| Efficiency ratio | 82.4568% | 2,156 |
| Assets per employee ($millions) | 1.8814% | 7,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6672% | 3,460 |
| Loan loss allowance to noncurrent loans | 117.0527% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 1.4668% | 4,060 |
| Noncurrent loans to loans | 1.4243% | 4,332 |
| Net loans and leases to total assets | 54.6944% | 5,211 |
| Net loans and leases to deposits | 73.2252% | 3,885 |
| Net loans and leases to core deposits | 84.3365% | 3,125 |
| Total domestic deposits to total assets | 74.6933% | 6,834 |
| Equity capital to assets | 11.6594% | 2,154 |
| Core capital (leverage) ratio | 11.1707% | 2,049 |
| Tier 1 risk-based capital ratio | 15.0484% | 3,399 |
| Total risk-based capital ratio | 16.2984% | 3,359 |
| Memoranda: | ||
| Average total assets | $316,993,500 | 2,056 |
| Average earning assets | $277,748,500 | 2,129 |
| Average equity | $36,409,000 | 1,818 |
| Average total loans | $188,047,500 | 2,210 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4055% | 2,649 |
| Cost of funding earning assets | 1.7893% | 1,212 |
| Net interest margin | 3.6162% | 4,737 |
| Noninterest income to average assets | 5.6971% | 118 |
| Noninterest expense to average assets | 5.5203% | 300 |
| Loan and lease loss provision to assets | 0.9029% | 1,811 |
| Net operating income to assets | 1.6704% | 549 |
| Return on assets (ROA) | 1.7625% | 495 |
| Pretax return on assets | 2.5507% | 173 |
| Return on Equity (ROE) | 14.7281% | 757 |
| Retained earnings to average equity (ytd only) | 10.0355% | 519 |
| Net charge-offs to loans | 1.1579% | 1,930 |
| Credit loss provision to net charge-offs | 125.7129% | 3,238 |
| Earnings coverage of net charge-offs (x) | 4.6226% | 2,860 |
| Efficiency ratio | 62.4435% | 5,644 |
| Assets per employee ($millions) | 1.9746% | 7,431 |
| Cash dividends to net income (ytd only)* | 31.8613% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3341% | 4,831 |
| Loan loss allowance to noncurrent loans | 110.0494% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 1.3494% | 4,317 |
| Noncurrent loans to loans | 1.2122% | 4,705 |
| Net loans and leases to total assets | 62.1608% | 4,252 |
| Net loans and leases to deposits | 86.9760% | 1,943 |
| Net loans and leases to core deposits | 102.0617% | 1,453 |
| Total domestic deposits to total assets | 71.4689% | 7,134 |
| Equity capital to assets | 11.3131% | 2,400 |
| Core capital (leverage) ratio | 11.2812% | 1,961 |
| Tier 1 risk-based capital ratio | 15.7291% | 2,874 |
| Total risk-based capital ratio | 16.9459% | 2,861 |
| Memoranda: | ||
| Average total assets | $292,938,800 | 2,195 |
| Average earning assets | $254,630,800 | 2,303 |
| Average equity | $35,055,400 | 1,893 |
| Average total loans | $181,705,000 | 2,333 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4511% | 2,641 |
| Cost of funding earning assets | 1.8172% | 1,354 |
| Net interest margin | 3.6339% | 4,709 |
| Noninterest income to average assets | 5.7677% | 118 |
| Noninterest expense to average assets | 5.1561% | 333 |
| Loan and lease loss provision to assets | 0.9910% | 1,500 |
| Net operating income to assets | 1.8984% | 406 |
| Return on assets (ROA) | 2.0221% | 350 |
| Pretax return on assets | 2.9764% | 125 |
| Return on Equity (ROE) | 16.6453% | 629 |
| Retained earnings to average equity (ytd only) | 10.3478% | 716 |
| Net charge-offs to loans | 1.3321% | 1,526 |
| Credit loss provision to net charge-offs | 120.4635% | 3,422 |
| Earnings coverage of net charge-offs (x) | 4.6015% | 2,982 |
| Efficiency ratio | 57.6637% | 6,313 |
| Assets per employee ($millions) | 1.9653% | 7,531 |
| Cash dividends to net income (ytd only)* | 37.8335% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 5,141 |
| Loan loss allowance to noncurrent loans | 89.2269% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 1.6309% | 3,994 |
| Noncurrent loans to loans | 1.4180% | 4,488 |
| Net loans and leases to total assets | 65.1251% | 3,885 |
| Net loans and leases to deposits | 89.7654% | 1,754 |
| Net loans and leases to core deposits | 106.1649% | 1,310 |
| Total domestic deposits to total assets | 72.5503% | 7,073 |
| Equity capital to assets | 12.1687% | 2,046 |
| Core capital (leverage) ratio | 11.4255% | 1,988 |
| Tier 1 risk-based capital ratio | 15.7212% | 2,898 |
| Total risk-based capital ratio | 16.8828% | 2,898 |
| Memoranda: | ||
| Average total assets | $286,694,500 | 2,266 |
| Average earning assets | $250,415,750 | 2,367 |
| Average equity | $34,827,750 | 1,925 |
| Average total loans | $177,058,500 | 2,423 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4715% | 2,651 |
| Cost of funding earning assets | 1.8419% | 1,474 |
| Net interest margin | 3.6296% | 4,697 |
| Noninterest income to average assets | 4.9759% | 140 |
| Noninterest expense to average assets | 4.8075% | 432 |
| Loan and lease loss provision to assets | 1.0768% | 1,338 |
| Net operating income to assets | 1.6127% | 711 |
| Return on assets (ROA) | 1.8091% | 522 |
| Pretax return on assets | 2.5470% | 217 |
| Return on Equity (ROE) | 14.9009% | 874 |
| Retained earnings to average equity (ytd only) | 14.9009% | 250 |
| Net charge-offs to loans | 1.8686% | 996 |
| Credit loss provision to net charge-offs | 95.6030% | 4,249 |
| Earnings coverage of net charge-offs (x) | 2.9717% | 3,514 |
| Efficiency ratio | 58.9537% | 6,229 |
| Assets per employee ($millions) | 2.3311% | 7,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0883% | 5,998 |
| Loan loss allowance to noncurrent loans | 94.9332% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 1.6623% | 3,941 |
| Noncurrent loans to loans | 1.1464% | 5,046 |
| Net loans and leases to total assets | 64.8036% | 4,087 |
| Net loans and leases to deposits | 90.9333% | 1,701 |
| Net loans and leases to core deposits | 109.2100% | 1,219 |
| Total domestic deposits to total assets | 71.2650% | 7,241 |
| Equity capital to assets | 12.3233% | 1,915 |
| Core capital (leverage) ratio | 11.9090% | 1,698 |
| Tier 1 risk-based capital ratio | 15.9675% | 2,689 |
| Total risk-based capital ratio | 16.9471% | 2,771 |
| Memoranda: | ||
| Average total assets | $282,684,330 | 2,314 |
| Average earning assets | $247,573,330 | 2,416 |
| Average equity | $34,320,000 | 1,947 |
| Average total loans | $170,398,670 | 2,534 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5223% | 2,484 |
| Cost of funding earning assets | 1.8775% | 1,544 |
| Net interest margin | 3.6448% | 4,516 |
| Noninterest income to average assets | 4.1446% | 159 |
| Noninterest expense to average assets | 4.4079% | 636 |
| Loan and lease loss provision to assets | 0.7242% | 1,756 |
| Net operating income to assets | 1.5051% | 883 |
| Return on assets (ROA) | 1.7717% | 578 |
| Pretax return on assets | 2.5689% | 228 |
| Return on Equity (ROE) | 14.7077% | 923 |
| Retained earnings to average equity (ytd only) | 14.7077% | 437 |
| Net charge-offs to loans | 0.1815% | 3,834 |
| Credit loss provision to net charge-offs | 693.1507% | 643 |
| Earnings coverage of net charge-offs (x) | 27.8219% | 920 |
| Efficiency ratio | 60.2622% | 6,116 |
| Assets per employee ($millions) | 2.2562% | 7,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6003% | 3,443 |
| Loan loss allowance to noncurrent loans | 65.1588% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 2.4505% | 2,967 |
| Noncurrent loans to loans | 2.4559% | 3,215 |
| Net loans and leases to total assets | 56.3526% | 5,694 |
| Net loans and leases to deposits | 80.1370% | 3,634 |
| Net loans and leases to core deposits | 93.9728% | 2,844 |
| Total domestic deposits to total assets | 70.3203% | 7,389 |
| Equity capital to assets | 12.2828% | 1,888 |
| Core capital (leverage) ratio | 11.5342% | 1,890 |
| Tier 1 risk-based capital ratio | 16.3740% | 2,493 |
| Total risk-based capital ratio | 17.6230% | 2,450 |
| Memoranda: | ||
| Average total assets | $279,499,000 | 2,395 |
| Average earning assets | $243,088,000 | 2,508 |
| Average equity | $33,669,500 | 2,001 |
| Average total loans | $160,908,500 | 2,751 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7670% | 2,794 |
| Cost of funding earning assets | 2.1492% | 2,239 |
| Net interest margin | 3.6179% | 4,483 |
| Noninterest income to average assets | 3.2195% | 214 |
| Noninterest expense to average assets | 3.9507% | 1,439 |
| Loan and lease loss provision to assets | 0.6637% | 3,157 |
| Net operating income to assets | 1.3335% | 967 |
| Return on assets (ROA) | 1.3534% | 984 |
| Pretax return on assets | 1.8071% | 628 |
| Return on Equity (ROE) | 11.6294% | 1,258 |
| Retained earnings to average equity (ytd only) | 5.3841% | 1,631 |
| Net charge-offs to loans | 0.8924% | 2,609 |
| Credit loss provision to net charge-offs | 123.6662% | 4,261 |
| Earnings coverage of net charge-offs (x) | 4.5547% | 2,907 |
| Efficiency ratio | 61.7782% | 6,194 |
| Assets per employee ($millions) | 2.4710% | 7,245 |
| Cash dividends to net income (ytd only)* | 53.7022% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 4,654 |
| Loan loss allowance to noncurrent loans | 70.1448% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 2.1624% | 3,186 |
| Noncurrent loans to loans | 1.8800% | 3,828 |
| Net loans and leases to total assets | 57.1090% | 5,801 |
| Net loans and leases to deposits | 80.9070% | 3,820 |
| Net loans and leases to core deposits | 132.1461% | 1,163 |
| Total domestic deposits to total assets | 70.5860% | 7,370 |
| Equity capital to assets | 11.8095% | 2,133 |
| Core capital (leverage) ratio | 10.9952% | 2,227 |
| Tier 1 risk-based capital ratio | 15.7655% | 2,614 |
| Total risk-based capital ratio | 16.8479% | 2,628 |
| Memoranda: | ||
| Average total assets | $272,430,800 | 2,401 |
| Average earning assets | $239,117,600 | 2,508 |
| Average equity | $31,704,200 | 2,112 |
| Average total loans | $163,824,600 | 2,703 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7983% | 2,905 |
| Cost of funding earning assets | 2.1871% | 2,466 |
| Net interest margin | 3.6112% | 4,438 |
| Noninterest income to average assets | 3.0287% | 223 |
| Noninterest expense to average assets | 3.6818% | 1,865 |
| Loan and lease loss provision to assets | 0.6875% | 2,677 |
| Net operating income to assets | 1.3878% | 1,055 |
| Return on assets (ROA) | 1.3878% | 1,117 |
| Pretax return on assets | 1.8340% | 751 |
| Return on Equity (ROE) | 11.9709% | 1,359 |
| Retained earnings to average equity (ytd only) | 4.8342% | 2,591 |
| Net charge-offs to loans | 0.3147% | 4,074 |
| Credit loss provision to net charge-offs | 359.7938% | 1,137 |
| Earnings coverage of net charge-offs (x) | 13.1959% | 1,693 |
| Efficiency ratio | 59.3522% | 6,508 |
| Assets per employee ($millions) | 2.5578% | 7,132 |
| Cash dividends to net income (ytd only)* | 59.6166% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8178% | 2,223 |
| Loan loss allowance to noncurrent loans | 56.2991% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 2.2356% | 3,052 |
| Noncurrent loans to loans | 3.2288% | 2,345 |
| Net loans and leases to total assets | 53.6160% | 6,432 |
| Net loans and leases to deposits | 76.8061% | 4,927 |
| Net loans and leases to core deposits | 125.9583% | 1,738 |
| Total domestic deposits to total assets | 69.8070% | 7,431 |
| Equity capital to assets | 11.6040% | 2,504 |
| Core capital (leverage) ratio | 10.7744% | 2,578 |
| Tier 1 risk-based capital ratio | 15.5431% | 2,799 |
| Total risk-based capital ratio | 16.7952% | 2,737 |
| Memoranda: | ||
| Average total assets | $270,732,500 | 2,421 |
| Average earning assets | $237,995,250 | 2,543 |
| Average equity | $31,386,500 | 2,153 |
| Average total loans | $164,382,500 | 2,718 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8555% | 2,778 |
| Cost of funding earning assets | 2.2029% | 2,776 |
| Net interest margin | 3.6526% | 4,152 |
| Noninterest income to average assets | 3.0166% | 213 |
| Noninterest expense to average assets | 3.5001% | 2,336 |
| Loan and lease loss provision to assets | 0.6595% | 2,449 |
| Net operating income to assets | 1.3309% | 1,159 |
| Return on assets (ROA) | 1.3309% | 1,234 |
| Pretax return on assets | 2.0689% | 467 |
| Return on Equity (ROE) | 11.4837% | 1,566 |
| Retained earnings to average equity (ytd only) | 8.9002% | 968 |
| Net charge-offs to loans | 0.3489% | 3,444 |
| Credit loss provision to net charge-offs | 300.6826% | 1,542 |
| Earnings coverage of net charge-offs (x) | 12.4403% | 1,817 |
| Efficiency ratio | 56.1952% | 7,098 |
| Assets per employee ($millions) | 2.7733% | 6,694 |
| Cash dividends to net income (ytd only)* | 22.4972% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4233% | 3,608 |
| Loan loss allowance to noncurrent loans | 67.2048% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 1.9985% | 3,200 |
| Noncurrent loans to loans | 2.1178% | 3,358 |
| Net loans and leases to total assets | 59.8611% | 5,697 |
| Net loans and leases to deposits | 84.2301% | 3,836 |
| Net loans and leases to core deposits | 138.2311% | 1,095 |
| Total domestic deposits to total assets | 71.0685% | 7,356 |
| Equity capital to assets | 11.5097% | 2,534 |
| Core capital (leverage) ratio | 11.2132% | 2,252 |
| Tier 1 risk-based capital ratio | 15.7825% | 2,700 |
| Total risk-based capital ratio | 17.0014% | 2,645 |
| Memoranda: | ||
| Average total assets | $267,190,000 | 2,466 |
| Average earning assets | $234,959,000 | 2,575 |
| Average equity | $30,965,670 | 2,186 |
| Average total loans | $167,961,000 | 2,705 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0909% | 1,974 |
| Cost of funding earning assets | 2.2336% | 2,998 |
| Net interest margin | 3.8573% | 3,222 |
| Noninterest income to average assets | 3.0223% | 211 |
| Noninterest expense to average assets | 3.2090% | 2,949 |
| Loan and lease loss provision to assets | 0.7529% | 1,710 |
| Net operating income to assets | 1.4269% | 1,084 |
| Return on assets (ROA) | 1.4269% | 1,170 |
| Pretax return on assets | 2.4500% | 281 |
| Return on Equity (ROE) | 12.2683% | 1,583 |
| Retained earnings to average equity (ytd only) | 7.0478% | 2,194 |
| Net charge-offs to loans | 0.3085% | 2,873 |
| Credit loss provision to net charge-offs | 381.5385% | 1,349 |
| Earnings coverage of net charge-offs (x) | 16.2308% | 1,564 |
| Efficiency ratio | 50.0473% | 7,586 |
| Assets per employee ($millions) | 2.8875% | 6,444 |
| Cash dividends to net income (ytd only)* | 42.5532% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2438% | 4,500 |
| Loan loss allowance to noncurrent loans | 97.0230% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 1.4830% | 3,705 |
| Noncurrent loans to loans | 1.2820% | 4,413 |
| Net loans and leases to total assets | 62.2573% | 5,277 |
| Net loans and leases to deposits | 86.5660% | 3,540 |
| Net loans and leases to core deposits | 134.7738% | 1,371 |
| Total domestic deposits to total assets | 71.9189% | 7,214 |
| Equity capital to assets | 11.3622% | 2,682 |
| Core capital (leverage) ratio | 11.3874% | 2,214 |
| Tier 1 risk-based capital ratio | 15.4783% | 2,862 |
| Total risk-based capital ratio | 16.5922% | 2,856 |
| Memoranda: | ||
| Average total assets | $263,505,500 | 2,519 |
| Average earning assets | $231,559,000 | 2,629 |
| Average equity | $30,648,000 | 2,214 |
| Average total loans | $168,578,000 | 2,721 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6710% | 2,148 |
| Cost of funding earning assets | 2.8689% | 2,398 |
| Net interest margin | 3.8021% | 4,007 |
| Noninterest income to average assets | 1.7834% | 428 |
| Noninterest expense to average assets | 3.3130% | 2,927 |
| Loan and lease loss provision to assets | 0.3408% | 3,664 |
| Net operating income to assets | 1.1889% | 1,807 |
| Return on assets (ROA) | 1.2141% | 1,680 |
| Pretax return on assets | 1.5368% | 1,573 |
| Return on Equity (ROE) | 10.2651% | 2,168 |
| Retained earnings to average equity (ytd only) | 1.9584% | 4,013 |
| Net charge-offs to loans | 0.6377% | 1,933 |
| Credit loss provision to net charge-offs | 83.3333% | 5,824 |
| Earnings coverage of net charge-offs (x) | 4.5135% | 3,951 |
| Efficiency ratio | 64.2230% | 5,513 |
| Assets per employee ($millions) | 2.7769% | 6,617 |
| Cash dividends to net income (ytd only)* | 80.9215% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0869% | 5,371 |
| Loan loss allowance to noncurrent loans | 120.7713% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 1.3605% | 3,478 |
| Noncurrent loans to loans | 0.9000% | 4,824 |
| Net loans and leases to total assets | 64.2823% | 5,216 |
| Net loans and leases to deposits | 85.4102% | 4,192 |
| Net loans and leases to core deposits | 134.4802% | 1,568 |
| Total domestic deposits to total assets | 75.2630% | 6,388 |
| Equity capital to assets | 11.9225% | 2,339 |
| Core capital (leverage) ratio | 11.6383% | 2,167 |
| Tier 1 risk-based capital ratio | 16.4582% | 2,501 |
| Total risk-based capital ratio | 17.4592% | 2,519 |
| Memoranda: | ||
| Average total assets | $253,846,200 | 2,524 |
| Average earning assets | $225,349,200 | 2,593 |
| Average equity | $30,024,000 | 2,262 |
| Average total loans | $162,782,800 | 2,734 |