Home > First Metro Bank > Performance and Condition Ratios
First Metro Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5242% | 3,050 |
| Cost of funding earning assets | 0.9731% | 3,362 |
| Net interest margin | 3.5511% | 2,063 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 1.7427% | 4,077 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.5084% | 1,003 |
| Return on assets (ROA) | 1.5084% | 973 |
| Pretax return on assets | 1.9999% | 676 |
| Return on Equity (ROE) | 20.1600% | 603 |
| Retained earnings to average equity (ytd only) | 12.6581% | 553 |
| Net charge-offs to loans | 0.0778% | 1,086 |
| Credit loss provision to net charge-offs | 188.6139% | 1,267 |
| Earnings coverage of net charge-offs (x) | 47.8886% | 1,323 |
| Efficiency ratio | 45.5658% | 4,210 |
| Assets per employee ($millions) | 7.7110% | 1,584 |
| Cash dividends to net income (ytd only)* | 37.2236% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9882% | 3,374 |
| Loan loss allowance to noncurrent loans | 5,331.0000% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 3,692 |
| Noncurrent loans to loans | 0.0185% | 3,610 |
| Net loans and leases to total assets | 54.5400% | 3,309 |
| Net loans and leases to deposits | 62.8162% | 3,360 |
| Net loans and leases to core deposits | 72.3294% | 3,169 |
| Total domestic deposits to total assets | 86.8300% | 1,738 |
| Equity capital to assets | 7.8790% | 3,497 |
| Core capital (leverage) ratio | 11.1090% | 1,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $929,316,000 | 1,054 |
| Average earning assets | $877,506,400 | 1,024 |
| Average equity | $69,520,800 | 1,254 |
| Average total loans | $519,045,800 | 1,195 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3796% | 3,140 |
| Cost of funding earning assets | 0.8490% | 3,405 |
| Net interest margin | 3.5306% | 2,146 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 1.7083% | 4,109 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.5158% | 1,088 |
| Return on assets (ROA) | 1.5158% | 1,079 |
| Pretax return on assets | 2.0502% | 713 |
| Return on Equity (ROE) | 20.5500% | 669 |
| Retained earnings to average equity (ytd only) | 18.0991% | 336 |
| Net charge-offs to loans | 0.0988% | 791 |
| Credit loss provision to net charge-offs | 91.6010% | 1,686 |
| Earnings coverage of net charge-offs (x) | 37.9186% | 1,479 |
| Efficiency ratio | 44.8461% | 4,195 |
| Assets per employee ($millions) | 7.3880% | 1,703 |
| Cash dividends to net income (ytd only)* | 11.9447% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9420% | 3,589 |
| Loan loss allowance to noncurrent loans | 12,352.5000% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 3,832 |
| Noncurrent loans to loans | 0.0076% | 3,751 |
| Net loans and leases to total assets | 54.5200% | 3,322 |
| Net loans and leases to deposits | 62.3341% | 3,383 |
| Net loans and leases to core deposits | 71.2508% | 3,147 |
| Total domestic deposits to total assets | 87.4600% | 1,756 |
| Equity capital to assets | 7.2672% | 3,480 |
| Core capital (leverage) ratio | 11.3944% | 1,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $916,821,250 | 1,069 |
| Average earning assets | $866,046,750 | 1,037 |
| Average equity | $67,611,250 | 1,274 |
| Average total loans | $513,940,750 | 1,199 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2350% | 3,219 |
| Cost of funding earning assets | 0.6987% | 3,490 |
| Net interest margin | 3.5364% | 2,187 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 1.7229% | 4,122 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.5204% | 1,069 |
| Return on assets (ROA) | 1.5204% | 1,064 |
| Pretax return on assets | 2.0567% | 683 |
| Return on Equity (ROE) | 20.5100% | 656 |
| Retained earnings to average equity (ytd only) | 16.7995% | 406 |
| Net charge-offs to loans | 0.1054% | 656 |
| Credit loss provision to net charge-offs | 72.4907% | 1,583 |
| Earnings coverage of net charge-offs (x) | 35.3123% | 1,473 |
| Efficiency ratio | 45.0703% | 4,204 |
| Assets per employee ($millions) | 7.1952% | 1,790 |
| Cash dividends to net income (ytd only)* | 18.1012% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9591% | 3,577 |
| Loan loss allowance to noncurrent loans | 1,368.7151% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.0749% | 3,021 |
| Noncurrent loans to loans | 0.0701% | 3,196 |
| Net loans and leases to total assets | 54.5200% | 3,230 |
| Net loans and leases to deposits | 62.5179% | 3,275 |
| Net loans and leases to core deposits | 69.4444% | 3,164 |
| Total domestic deposits to total assets | 87.2000% | 1,869 |
| Equity capital to assets | 7.5081% | 3,512 |
| Core capital (leverage) ratio | 11.3133% | 1,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $904,744,000 | 1,075 |
| Average earning assets | $855,626,667 | 1,043 |
| Average equity | $67,061,667 | 1,279 |
| Average total loans | $510,405,000 | 1,191 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1111% | 3,233 |
| Cost of funding earning assets | 0.5104% | 3,653 |
| Net interest margin | 3.6007% | 2,126 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 1.7339% | 4,148 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.5444% | 1,091 |
| Return on assets (ROA) | 1.5444% | 1,081 |
| Pretax return on assets | 2.0891% | 668 |
| Return on Equity (ROE) | 20.9800% | 663 |
| Retained earnings to average equity (ytd only) | 13.4027% | 1,029 |
| Net charge-offs to loans | 0.0447% | 909 |
| Credit loss provision to net charge-offs | 201.7544% | 823 |
| Earnings coverage of net charge-offs (x) | 83.8421% | 877 |
| Efficiency ratio | 44.7514% | 4,279 |
| Assets per employee ($millions) | 6.9696% | 1,997 |
| Cash dividends to net income (ytd only)* | 36.1079% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9860% | 3,569 |
| Loan loss allowance to noncurrent loans | 1,607.6677% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 3,433 |
| Noncurrent loans to loans | 0.0613% | 3,297 |
| Net loans and leases to total assets | 56.2100% | 3,026 |
| Net loans and leases to deposits | 61.9209% | 3,229 |
| Net loans and leases to core deposits | 68.0769% | 3,096 |
| Total domestic deposits to total assets | 90.7700% | 878 |
| Equity capital to assets | 7.7688% | 3,398 |
| Core capital (leverage) ratio | 11.1827% | 1,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $893,022,500 | 1,105 |
| Average earning assets | $844,057,500 | 1,075 |
| Average equity | $65,748,000 | 1,306 |
| Average total loans | $510,151,500 | 1,209 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5120% | 3,045 |
| Cost of funding earning assets | 0.2816% | 3,023 |
| Net interest margin | 3.2303% | 2,766 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 1.5773% | 4,334 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.3762% | 1,188 |
| Return on assets (ROA) | 1.3762% | 1,146 |
| Pretax return on assets | 1.8162% | 711 |
| Return on Equity (ROE) | 18.2700% | 662 |
| Retained earnings to average equity (ytd only) | 10.9800% | 892 |
| Net charge-offs to loans | 0.0493% | 1,182 |
| Credit loss provision to net charge-offs | 450.4202% | 727 |
| Earnings coverage of net charge-offs (x) | 75.5252% | 1,119 |
| Efficiency ratio | 44.9548% | 4,393 |
| Assets per employee ($millions) | 6.8757% | 2,064 |
| Cash dividends to net income (ytd only)* | 39.9047% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9754% | 3,493 |
| Loan loss allowance to noncurrent loans | 3,768.1818% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0149% | 3,713 |
| Noncurrent loans to loans | 0.0259% | 3,607 |
| Net loans and leases to total assets | 56.9300% | 2,923 |
| Net loans and leases to deposits | 61.3426% | 3,250 |
| Net loans and leases to core deposits | 66.0407% | 3,130 |
| Total domestic deposits to total assets | 92.8100% | 447 |
| Equity capital to assets | 6.9504% | 3,697 |
| Core capital (leverage) ratio | 10.9662% | 1,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $930,686,200 | 1,045 |
| Average earning assets | $872,784,800 | 1,023 |
| Average equity | $70,100,400 | 1,248 |
| Average total loans | $483,082,000 | 1,205 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3514% | 3,048 |
| Cost of funding earning assets | 0.2707% | 2,477 |
| Net interest margin | 3.0807% | 2,989 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 1.5481% | 4,365 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.2711% | 1,454 |
| Return on assets (ROA) | 1.2711% | 1,418 |
| Pretax return on assets | 1.7196% | 869 |
| Return on Equity (ROE) | 16.5700% | 878 |
| Retained earnings to average equity (ytd only) | 14.4328% | 414 |
| Net charge-offs to loans | 0.0484% | 1,002 |
| Credit loss provision to net charge-offs | 451.4451% | 645 |
| Earnings coverage of net charge-offs (x) | 74.7110% | 1,080 |
| Efficiency ratio | 45.8253% | 4,390 |
| Assets per employee ($millions) | 7.2021% | 1,808 |
| Cash dividends to net income (ytd only)* | 12.9219% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9738% | 3,597 |
| Loan loss allowance to noncurrent loans | 8,792.5926% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 3,787 |
| Noncurrent loans to loans | 0.0111% | 3,861 |
| Net loans and leases to total assets | 52.7800% | 3,206 |
| Net loans and leases to deposits | 56.7920% | 3,415 |
| Net loans and leases to core deposits | 61.3096% | 3,279 |
| Total domestic deposits to total assets | 92.9400% | 595 |
| Equity capital to assets | 6.8067% | 3,611 |
| Core capital (leverage) ratio | 10.5386% | 2,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $941,616,000 | 1,044 |
| Average earning assets | $882,285,000 | 1,024 |
| Average equity | $72,213,500 | 1,232 |
| Average total loans | $476,368,750 | 1,217 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1491% | 3,188 |
| Cost of funding earning assets | 0.2707% | 2,020 |
| Net interest margin | 2.8784% | 3,225 |
| Noninterest income to average assets | 0.5052% | 2,173 |
| Noninterest expense to average assets | 1.5506% | 4,356 |
| Loan and lease loss provision to assets | 0.1275% | 765 |
| Net operating income to assets | 1.1326% | 1,655 |
| Return on assets (ROA) | 1.1326% | 1,632 |
| Pretax return on assets | 1.5321% | 1,097 |
| Return on Equity (ROE) | 14.2536% | 1,052 |
| Retained earnings to average equity (ytd only) | 11.1821% | 757 |
| Net charge-offs to loans | 0.0415% | 972 |
| Credit loss provision to net charge-offs | 618.3673% | 556 |
| Earnings coverage of net charge-offs (x) | 80.4898% | 929 |
| Efficiency ratio | 48.3025% | 4,335 |
| Assets per employee ($millions) | 7.3178% | 1,726 |
| Cash dividends to net income (ytd only)* | 21.5493% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9608% | 3,762 |
| Loan loss allowance to noncurrent loans | 6,036.3636% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 3,827 |
| Noncurrent loans to loans | 0.0159% | 3,845 |
| Net loans and leases to total assets | 50.7516% | 3,294 |
| Net loans and leases to deposits | 54.7695% | 3,488 |
| Net loans and leases to core deposits | 59.2338% | 3,328 |
| Total domestic deposits to total assets | 92.6639% | 599 |
| Equity capital to assets | 7.0573% | 3,735 |
| Core capital (leverage) ratio | 9.8796% | 2,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $950,597,000 | 1,034 |
| Average earning assets | $893,344,333 | 1,018 |
| Average equity | $75,531,667 | 1,220 |
| Average total loans | $472,641,667 | 1,219 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0063% | 3,238 |
| Cost of funding earning assets | 0.2825% | 1,795 |
| Net interest margin | 2.7238% | 3,356 |
| Noninterest income to average assets | 0.4973% | 2,149 |
| Noninterest expense to average assets | 1.5515% | 4,363 |
| Loan and lease loss provision to assets | 0.1317% | 622 |
| Net operating income to assets | 1.0274% | 1,771 |
| Return on assets (ROA) | 1.0274% | 1,761 |
| Pretax return on assets | 1.3897% | 1,277 |
| Return on Equity (ROE) | 12.2519% | 1,243 |
| Retained earnings to average equity (ytd only) | 6.4510% | 2,089 |
| Net charge-offs to loans | 0.0377% | 908 |
| Credit loss provision to net charge-offs | 713.6364% | 425 |
| Earnings coverage of net charge-offs (x) | 82.4545% | 737 |
| Efficiency ratio | 50.4913% | 4,289 |
| Assets per employee ($millions) | 7.6449% | 1,589 |
| Cash dividends to net income (ytd only)* | 47.3469% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9448% | 3,916 |
| Loan loss allowance to noncurrent loans | 8,166.6667% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 3,878 |
| Noncurrent loans to loans | 0.0116% | 3,935 |
| Net loans and leases to total assets | 47.9985% | 3,385 |
| Net loans and leases to deposits | 52.1611% | 3,557 |
| Net loans and leases to core deposits | 56.4394% | 3,411 |
| Total domestic deposits to total assets | 92.0196% | 572 |
| Equity capital to assets | 7.7234% | 3,785 |
| Core capital (leverage) ratio | 9.4712% | 2,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $953,899,500 | 1,030 |
| Average earning assets | $901,968,500 | 1,015 |
| Average equity | $79,987,500 | 1,199 |
| Average total loans | $467,093,000 | 1,223 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1114% | 3,663 |
| Cost of funding earning assets | 0.3816% | 1,671 |
| Net interest margin | 2.7298% | 3,818 |
| Noninterest income to average assets | 0.5392% | 2,402 |
| Noninterest expense to average assets | 1.5903% | 4,437 |
| Loan and lease loss provision to assets | 0.0057% | 2,962 |
| Net operating income to assets | 1.1595% | 2,064 |
| Return on assets (ROA) | 1.1595% | 2,124 |
| Pretax return on assets | 1.5271% | 1,633 |
| Return on Equity (ROE) | 12.0028% | 1,818 |
| Retained earnings to average equity (ytd only) | 7.2698% | 1,818 |
| Net charge-offs to loans | 0.0225% | 1,808 |
| Credit loss provision to net charge-offs | 50.0000% | 2,134 |
| Earnings coverage of net charge-offs (x) | 134.6000% | 725 |
| Efficiency ratio | 50.9207% | 4,211 |
| Assets per employee ($millions) | 7.3792% | 1,677 |
| Cash dividends to net income (ytd only)* | 39.4323% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8857% | 4,095 |
| Loan loss allowance to noncurrent loans | 19,714.2857% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 3,987 |
| Noncurrent loans to loans | 0.0045% | 4,089 |
| Net loans and leases to total assets | 49.0489% | 3,403 |
| Net loans and leases to deposits | 54.1070% | 3,593 |
| Net loans and leases to core deposits | 58.7674% | 3,409 |
| Total domestic deposits to total assets | 90.6516% | 645 |
| Equity capital to assets | 9.0604% | 3,554 |
| Core capital (leverage) ratio | 9.7924% | 2,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $878,140,800 | 1,066 |
| Average earning assets | $831,205,600 | 1,051 |
| Average equity | $84,830,000 | 1,150 |
| Average total loans | $444,890,600 | 1,271 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1687% | 3,664 |
| Cost of funding earning assets | 0.4020% | 1,679 |
| Net interest margin | 2.7667% | 3,849 |
| Noninterest income to average assets | 0.5399% | 2,457 |
| Noninterest expense to average assets | 1.6262% | 4,432 |
| Loan and lease loss provision to assets | 0.0024% | 2,922 |
| Net operating income to assets | 1.1268% | 2,451 |
| Return on assets (ROA) | 1.1268% | 2,517 |
| Pretax return on assets | 1.5248% | 1,923 |
| Return on Equity (ROE) | 11.4691% | 2,221 |
| Retained earnings to average equity (ytd only) | 9.6419% | 1,438 |
| Net charge-offs to loans | 0.0170% | 1,719 |
| Credit loss provision to net charge-offs | 28.5714% | 1,958 |
| Earnings coverage of net charge-offs (x) | 176.2321% | 607 |
| Efficiency ratio | 51.5679% | 4,062 |
| Assets per employee ($millions) | 6.9134% | 1,929 |
| Cash dividends to net income (ytd only)* | 15.9319% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9605% | 3,975 |
| Loan loss allowance to noncurrent loans | 7,832.0755% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 4,068 |
| Noncurrent loans to loans | 0.0123% | 4,114 |
| Net loans and leases to total assets | 48.3668% | 3,591 |
| Net loans and leases to deposits | 53.9010% | 3,746 |
| Net loans and leases to core deposits | 58.8043% | 3,562 |
| Total domestic deposits to total assets | 89.7327% | 903 |
| Equity capital to assets | 9.9128% | 2,990 |
| Core capital (leverage) ratio | 10.1204% | 2,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $861,540,750 | 1,092 |
| Average earning assets | $813,846,250 | 1,078 |
| Average equity | $84,642,750 | 1,170 |
| Average total loans | $439,256,500 | 1,306 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1835% | 3,704 |
| Cost of funding earning assets | 0.4194% | 1,741 |
| Net interest margin | 2.7641% | 3,863 |
| Noninterest income to average assets | 0.5252% | 2,507 |
| Noninterest expense to average assets | 1.6459% | 4,452 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1113% | 2,504 |
| Return on assets (ROA) | 1.1113% | 2,562 |
| Pretax return on assets | 1.5040% | 1,997 |
| Return on Equity (ROE) | 11.3470% | 2,287 |
| Retained earnings to average equity (ytd only) | 8.5724% | 1,865 |
| Net charge-offs to loans | 0.0149% | 1,647 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 194.5455% | 502 |
| Efficiency ratio | 52.2535% | 4,018 |
| Assets per employee ($millions) | 6.9300% | 1,863 |
| Cash dividends to net income (ytd only)* | 24.4519% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9351% | 4,045 |
| Loan loss allowance to noncurrent loans | 15,396.2963% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 4,114 |
| Noncurrent loans to loans | 0.0061% | 4,222 |
| Net loans and leases to total assets | 50.4370% | 3,512 |
| Net loans and leases to deposits | 56.0820% | 3,704 |
| Net loans and leases to core deposits | 61.7043% | 3,492 |
| Total domestic deposits to total assets | 89.9343% | 813 |
| Equity capital to assets | 9.7090% | 3,135 |
| Core capital (leverage) ratio | 10.0229% | 2,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5334% | 645 |
| Memoranda: | ||
| Average total assets | $853,749,667 | 1,091 |
| Average earning assets | $810,670,333 | 1,080 |
| Average equity | $83,617,000 | 1,178 |
| Average total loans | $441,623,333 | 1,306 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2511% | 3,571 |
| Cost of funding earning assets | 0.4588% | 1,659 |
| Net interest margin | 2.7923% | 3,783 |
| Noninterest income to average assets | 0.4886% | 2,664 |
| Noninterest expense to average assets | 1.6549% | 4,459 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0819% | 2,537 |
| Return on assets (ROA) | 1.0819% | 2,615 |
| Pretax return on assets | 1.4639% | 2,096 |
| Return on Equity (ROE) | 10.9975% | 2,369 |
| Retained earnings to average equity (ytd only) | 5.4096% | 3,090 |
| Net charge-offs to loans | 0.0200% | 1,340 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 140.4091% | 507 |
| Efficiency ratio | 53.0618% | 3,902 |
| Assets per employee ($millions) | 6.7644% | 1,965 |
| Cash dividends to net income (ytd only)* | 50.8103% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9491% | 4,021 |
| Loan loss allowance to noncurrent loans | 5,208.7500% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 4,152 |
| Noncurrent loans to loans | 0.0182% | 4,197 |
| Net loans and leases to total assets | 50.2265% | 3,604 |
| Net loans and leases to deposits | 55.6422% | 3,823 |
| Net loans and leases to core deposits | 61.6274% | 3,603 |
| Total domestic deposits to total assets | 90.2670% | 687 |
| Equity capital to assets | 9.4382% | 3,255 |
| Core capital (leverage) ratio | 10.0966% | 2,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8185% | 531 |
| Memoranda: | ||
| Average total assets | $844,035,000 | 1,096 |
| Average earning assets | $795,045,000 | 1,085 |
| Average equity | $83,037,000 | 1,173 |
| Average total loans | $440,154,000 | 1,305 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8201% | 3,247 |
| Cost of funding earning assets | 0.6459% | 2,020 |
| Net interest margin | 3.1741% | 3,421 |
| Noninterest income to average assets | 0.5303% | 2,508 |
| Noninterest expense to average assets | 1.7385% | 4,558 |
| Loan and lease loss provision to assets | 0.0157% | 4,180 |
| Net operating income to assets | 1.3148% | 1,207 |
| Return on assets (ROA) | 1.3148% | 1,305 |
| Pretax return on assets | 1.7479% | 769 |
| Return on Equity (ROE) | 12.2987% | 1,234 |
| Retained earnings to average equity (ytd only) | 7.3614% | 1,252 |
| Net charge-offs to loans | 0.0299% | 2,433 |
| Credit loss provision to net charge-offs | 90.9091% | 2,924 |
| Earnings coverage of net charge-offs (x) | 102.1818% | 775 |
| Efficiency ratio | 49.6416% | 4,556 |
| Assets per employee ($millions) | 6.4237% | 1,977 |
| Cash dividends to net income (ytd only)* | 40.1452% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9496% | 4,043 |
| Loan loss allowance to noncurrent loans | 4,707.8652% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0316% | 4,202 |
| Noncurrent loans to loans | 0.0202% | 4,259 |
| Net loans and leases to total assets | 53.1566% | 3,566 |
| Net loans and leases to deposits | 59.4253% | 3,803 |
| Net loans and leases to core deposits | 66.2108% | 3,527 |
| Total domestic deposits to total assets | 89.4510% | 788 |
| Equity capital to assets | 10.2593% | 2,876 |
| Core capital (leverage) ratio | 10.2955% | 2,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $764,806,000 | 1,094 |
| Average earning assets | $716,037,400 | 1,080 |
| Average equity | $81,764,600 | 1,133 |
| Average total loans | $441,896,400 | 1,249 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8623% | 3,379 |
| Cost of funding earning assets | 0.6922% | 2,068 |
| Net interest margin | 3.1701% | 3,564 |
| Noninterest income to average assets | 0.5380% | 2,435 |
| Noninterest expense to average assets | 1.7808% | 4,527 |
| Loan and lease loss provision to assets | 0.0213% | 4,069 |
| Net operating income to assets | 1.2584% | 1,456 |
| Return on assets (ROA) | 1.2584% | 1,571 |
| Pretax return on assets | 1.7028% | 968 |
| Return on Equity (ROE) | 11.6422% | 1,466 |
| Retained earnings to average equity (ytd only) | 9.7010% | 829 |
| Net charge-offs to loans | 0.0293% | 2,252 |
| Credit loss provision to net charge-offs | 123.7113% | 2,480 |
| Earnings coverage of net charge-offs (x) | 100.0412% | 788 |
| Efficiency ratio | 50.8085% | 4,437 |
| Assets per employee ($millions) | 6.3579% | 1,947 |
| Cash dividends to net income (ytd only)* | 16.6737% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9234% | 3,995 |
| Loan loss allowance to noncurrent loans | 1,456.8966% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 4,262 |
| Noncurrent loans to loans | 0.0634% | 4,115 |
| Net loans and leases to total assets | 56.5851% | 3,566 |
| Net loans and leases to deposits | 63.5841% | 3,824 |
| Net loans and leases to core deposits | 71.1670% | 3,546 |
| Total domestic deposits to total assets | 88.9925% | 770 |
| Equity capital to assets | 10.5260% | 2,767 |
| Core capital (leverage) ratio | 10.4416% | 2,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $750,449,250 | 1,095 |
| Average earning assets | $702,326,000 | 1,086 |
| Average equity | $81,117,000 | 1,131 |
| Average total loans | $442,055,250 | 1,239 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9505% | 3,461 |
| Cost of funding earning assets | 0.7433% | 2,159 |
| Net interest margin | 3.2072% | 3,653 |
| Noninterest income to average assets | 0.5139% | 2,514 |
| Noninterest expense to average assets | 1.8221% | 4,536 |
| Loan and lease loss provision to assets | 0.0221% | 3,971 |
| Net operating income to assets | 1.2348% | 1,532 |
| Return on assets (ROA) | 1.2348% | 1,653 |
| Pretax return on assets | 1.6707% | 1,051 |
| Return on Equity (ROE) | 11.3157% | 1,539 |
| Retained earnings to average equity (ytd only) | 8.3649% | 1,201 |
| Net charge-offs to loans | 0.0394% | 1,954 |
| Credit loss provision to net charge-offs | 94.1860% | 2,446 |
| Earnings coverage of net charge-offs (x) | 72.1977% | 867 |
| Efficiency ratio | 51.8383% | 4,364 |
| Assets per employee ($millions) | 6.2865% | 1,962 |
| Cash dividends to net income (ytd only)* | 26.0764% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8955% | 4,018 |
| Loan loss allowance to noncurrent loans | 1,633.0739% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 4,354 |
| Noncurrent loans to loans | 0.0548% | 4,262 |
| Net loans and leases to total assets | 58.1789% | 3,498 |
| Net loans and leases to deposits | 65.4148% | 3,770 |
| Net loans and leases to core deposits | 73.8292% | 3,473 |
| Total domestic deposits to total assets | 88.9384% | 767 |
| Equity capital to assets | 10.2511% | 2,966 |
| Core capital (leverage) ratio | 10.4321% | 2,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $733,568,000 | 1,102 |
| Average earning assets | $686,391,333 | 1,094 |
| Average equity | $80,048,333 | 1,139 |
| Average total loans | $436,899,000 | 1,238 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1947% | 3,230 |
| Cost of funding earning assets | 0.8057% | 2,357 |
| Net interest margin | 3.3889% | 3,324 |
| Noninterest income to average assets | 0.5345% | 2,369 |
| Noninterest expense to average assets | 1.9117% | 4,529 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3230% | 1,181 |
| Return on assets (ROA) | 1.3230% | 1,276 |
| Pretax return on assets | 1.7902% | 717 |
| Return on Equity (ROE) | 11.7194% | 1,189 |
| Retained earnings to average equity (ytd only) | 5.7460% | 1,978 |
| Net charge-offs to loans | 0.0627% | 1,386 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 47.5455% | 931 |
| Efficiency ratio | 51.6412% | 4,571 |
| Assets per employee ($millions) | 5.7431% | 1,899 |
| Cash dividends to net income (ytd only)* | 50.9702% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9808% | 3,806 |
| Loan loss allowance to noncurrent loans | 2,058.2090% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 4,283 |
| Noncurrent loans to loans | 0.0477% | 4,362 |
| Net loans and leases to total assets | 58.1816% | 3,657 |
| Net loans and leases to deposits | 65.8411% | 3,873 |
| Net loans and leases to core deposits | 75.7729% | 3,510 |
| Total domestic deposits to total assets | 88.3667% | 944 |
| Equity capital to assets | 11.1147% | 2,760 |
| Core capital (leverage) ratio | 11.2353% | 2,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $701,160,000 | 1,116 |
| Average earning assets | $655,309,000 | 1,102 |
| Average equity | $79,151,000 | 1,148 |
| Average total loans | $421,004,500 | 1,243 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3730% | 3,324 |
| Cost of funding earning assets | 0.7464% | 2,936 |
| Net interest margin | 3.6266% | 3,053 |
| Noninterest income to average assets | 0.5892% | 2,272 |
| Noninterest expense to average assets | 1.9453% | 4,619 |
| Loan and lease loss provision to assets | 0.0573% | 2,883 |
| Net operating income to assets | 1.5314% | 988 |
| Return on assets (ROA) | 1.5314% | 1,038 |
| Pretax return on assets | 2.0209% | 572 |
| Return on Equity (ROE) | 13.3273% | 1,067 |
| Retained earnings to average equity (ytd only) | 6.5432% | 1,590 |
| Net charge-offs to loans | 0.0764% | 2,003 |
| Credit loss provision to net charge-offs | 119.1824% | 2,122 |
| Earnings coverage of net charge-offs (x) | 43.2170% | 1,240 |
| Efficiency ratio | 48.3482% | 4,814 |
| Assets per employee ($millions) | 5.6564% | 1,919 |
| Cash dividends to net income (ytd only)* | 50.9035% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6357% | 4,676 |
| Loan loss allowance to noncurrent loans | 3,658.9041% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 4,428 |
| Noncurrent loans to loans | 0.0174% | 4,506 |
| Net loans and leases to total assets | 61.0027% | 3,501 |
| Net loans and leases to deposits | 69.2242% | 3,726 |
| Net loans and leases to core deposits | 79.1366% | 3,369 |
| Total domestic deposits to total assets | 88.1234% | 1,073 |
| Equity capital to assets | 11.4710% | 2,553 |
| Core capital (leverage) ratio | 11.6426% | 2,006 |
| Tier 1 risk-based capital ratio | 19.9463% | 1,336 |
| Total risk-based capital ratio | 20.6279% | 1,404 |
| Memoranda: | ||
| Average total assets | $661,285,000 | 1,133 |
| Average earning assets | $626,232,600 | 1,101 |
| Average equity | $75,986,800 | 1,134 |
| Average total loans | $416,336,400 | 1,225 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3809% | 3,421 |
| Cost of funding earning assets | 0.7351% | 3,038 |
| Net interest margin | 3.6458% | 3,109 |
| Noninterest income to average assets | 0.5888% | 2,271 |
| Noninterest expense to average assets | 1.9700% | 4,606 |
| Loan and lease loss provision to assets | 0.0344% | 3,214 |
| Net operating income to assets | 1.5145% | 1,150 |
| Return on assets (ROA) | 1.5145% | 1,208 |
| Pretax return on assets | 2.0397% | 630 |
| Return on Equity (ROE) | 13.1745% | 1,214 |
| Retained earnings to average equity (ytd only) | 10.8938% | 550 |
| Net charge-offs to loans | 0.0815% | 1,664 |
| Credit loss provision to net charge-offs | 66.5354% | 2,656 |
| Earnings coverage of net charge-offs (x) | 40.1455% | 1,375 |
| Efficiency ratio | 48.7124% | 4,811 |
| Assets per employee ($millions) | 5.6105% | 1,928 |
| Cash dividends to net income (ytd only)* | 17.3113% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6134% | 4,789 |
| Loan loss allowance to noncurrent loans | 1,231.7073% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0826% | 4,307 |
| Noncurrent loans to loans | 0.0498% | 4,424 |
| Net loans and leases to total assets | 60.7652% | 3,615 |
| Net loans and leases to deposits | 69.2381% | 3,816 |
| Net loans and leases to core deposits | 78.4795% | 3,513 |
| Total domestic deposits to total assets | 87.7627% | 1,142 |
| Equity capital to assets | 11.8253% | 2,395 |
| Core capital (leverage) ratio | 12.1102% | 1,784 |
| Tier 1 risk-based capital ratio | 20.6040% | 1,258 |
| Total risk-based capital ratio | 21.2596% | 1,331 |
| Memoranda: | ||
| Average total assets | $655,498,750 | 1,140 |
| Average earning assets | $621,228,250 | 1,110 |
| Average equity | $75,355,750 | 1,136 |
| Average total loans | $415,372,500 | 1,237 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3710% | 3,416 |
| Cost of funding earning assets | 0.7213% | 3,038 |
| Net interest margin | 3.6497% | 3,101 |
| Noninterest income to average assets | 0.5825% | 2,235 |
| Noninterest expense to average assets | 2.0004% | 4,600 |
| Loan and lease loss provision to assets | 0.0499% | 2,822 |
| Net operating income to assets | 1.4843% | 1,189 |
| Return on assets (ROA) | 1.4843% | 1,240 |
| Pretax return on assets | 1.9939% | 685 |
| Return on Equity (ROE) | 13.0410% | 1,225 |
| Retained earnings to average equity (ytd only) | 9.5542% | 894 |
| Net charge-offs to loans | 0.0903% | 1,460 |
| Credit loss provision to net charge-offs | 86.1702% | 2,170 |
| Earnings coverage of net charge-offs (x) | 35.3085% | 1,329 |
| Efficiency ratio | 49.4633% | 4,813 |
| Assets per employee ($millions) | 5.4630% | 1,998 |
| Cash dividends to net income (ytd only)* | 26.7372% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6108% | 4,857 |
| Loan loss allowance to noncurrent loans | 1,833.3333% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0557% | 4,485 |
| Noncurrent loans to loans | 0.0333% | 4,550 |
| Net loans and leases to total assets | 64.6984% | 3,268 |
| Net loans and leases to deposits | 73.6783% | 3,547 |
| Net loans and leases to core deposits | 83.3641% | 3,168 |
| Total domestic deposits to total assets | 87.8121% | 1,190 |
| Equity capital to assets | 11.8375% | 2,314 |
| Core capital (leverage) ratio | 11.7805% | 1,961 |
| Tier 1 risk-based capital ratio | 19.5235% | 1,430 |
| Total risk-based capital ratio | 20.1813% | 1,536 |
| Memoranda: | ||
| Average total assets | $649,577,670 | 1,149 |
| Average earning assets | $616,104,330 | 1,115 |
| Average equity | $73,936,000 | 1,154 |
| Average total loans | $416,618,670 | 1,233 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2739% | 3,636 |
| Cost of funding earning assets | 0.6889% | 3,106 |
| Net interest margin | 3.5850% | 3,304 |
| Noninterest income to average assets | 0.5828% | 2,127 |
| Noninterest expense to average assets | 1.9972% | 4,645 |
| Loan and lease loss provision to assets | 0.0351% | 2,920 |
| Net operating income to assets | 1.4526% | 1,224 |
| Return on assets (ROA) | 1.4526% | 1,253 |
| Pretax return on assets | 1.9553% | 693 |
| Return on Equity (ROE) | 13.0229% | 1,211 |
| Retained earnings to average equity (ytd only) | 5.9039% | 2,495 |
| Net charge-offs to loans | 0.0619% | 1,419 |
| Credit loss provision to net charge-offs | 89.0625% | 1,725 |
| Earnings coverage of net charge-offs (x) | 50.4844% | 1,017 |
| Efficiency ratio | 50.0850% | 4,821 |
| Assets per employee ($millions) | 5.4221% | 2,057 |
| Cash dividends to net income (ytd only)* | 54.6650% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6252% | 4,892 |
| Loan loss allowance to noncurrent loans | 867.6667% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.0543% | 4,548 |
| Noncurrent loans to loans | 0.0721% | 4,435 |
| Net loans and leases to total assets | 62.5497% | 3,452 |
| Net loans and leases to deposits | 70.7236% | 3,717 |
| Net loans and leases to core deposits | 80.9052% | 3,282 |
| Total domestic deposits to total assets | 88.4425% | 1,111 |
| Equity capital to assets | 11.0821% | 2,765 |
| Core capital (leverage) ratio | 11.5981% | 2,056 |
| Tier 1 risk-based capital ratio | 19.2370% | 1,495 |
| Total risk-based capital ratio | 19.9113% | 1,579 |
| Memoranda: | ||
| Average total assets | $649,320,000 | 1,155 |
| Average earning assets | $616,672,500 | 1,118 |
| Average equity | $72,426,500 | 1,174 |
| Average total loans | $413,335,500 | 1,251 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2028% | 3,442 |
| Cost of funding earning assets | 0.5131% | 3,267 |
| Net interest margin | 3.6897% | 3,075 |
| Noninterest income to average assets | 0.6152% | 2,218 |
| Noninterest expense to average assets | 2.0057% | 4,741 |
| Loan and lease loss provision to assets | 0.0592% | 2,979 |
| Net operating income to assets | 1.5888% | 899 |
| Return on assets (ROA) | 1.5888% | 887 |
| Pretax return on assets | 2.0582% | 487 |
| Return on Equity (ROE) | 14.2597% | 990 |
| Retained earnings to average equity (ytd only) | 6.9879% | 1,676 |
| Net charge-offs to loans | 0.0598% | 2,281 |
| Credit loss provision to net charge-offs | 157.0213% | 1,766 |
| Earnings coverage of net charge-offs (x) | 56.1277% | 1,068 |
| Efficiency ratio | 48.6451% | 5,013 |
| Assets per employee ($millions) | 5.3095% | 2,141 |
| Cash dividends to net income (ytd only)* | 50.9953% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6361% | 4,913 |
| Loan loss allowance to noncurrent loans | 890.7850% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.0524% | 4,581 |
| Noncurrent loans to loans | 0.0714% | 4,436 |
| Net loans and leases to total assets | 63.9878% | 3,362 |
| Net loans and leases to deposits | 72.3653% | 3,636 |
| Net loans and leases to core deposits | 82.4109% | 3,230 |
| Total domestic deposits to total assets | 88.4232% | 1,107 |
| Equity capital to assets | 11.2291% | 2,492 |
| Core capital (leverage) ratio | 11.6807% | 1,968 |
| Tier 1 risk-based capital ratio | 19.3449% | 1,438 |
| Total risk-based capital ratio | 20.0347% | 1,516 |
| Memoranda: | ||
| Average total assets | $622,926,800 | 1,164 |
| Average earning assets | $592,243,600 | 1,131 |
| Average equity | $69,405,200 | 1,168 |
| Average total loans | $392,800,600 | 1,274 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1533% | 3,446 |
| Cost of funding earning assets | 0.4823% | 3,315 |
| Net interest margin | 3.6710% | 3,117 |
| Noninterest income to average assets | 0.6290% | 2,166 |
| Noninterest expense to average assets | 2.0257% | 4,693 |
| Loan and lease loss provision to assets | 0.0428% | 3,133 |
| Net operating income to assets | 1.5174% | 1,154 |
| Return on assets (ROA) | 1.5174% | 1,150 |
| Pretax return on assets | 2.0521% | 545 |
| Return on Equity (ROE) | 13.6466% | 1,216 |
| Retained earnings to average equity (ytd only) | 11.3176% | 586 |
| Net charge-offs to loans | 0.0395% | 2,295 |
| Credit loss provision to net charge-offs | 173.0435% | 1,548 |
| Earnings coverage of net charge-offs (x) | 84.6258% | 853 |
| Efficiency ratio | 49.1589% | 4,986 |
| Assets per employee ($millions) | 5.2812% | 2,139 |
| Cash dividends to net income (ytd only)* | 17.0663% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6330% | 4,994 |
| Loan loss allowance to noncurrent loans | 959.1760% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.0845% | 4,550 |
| Noncurrent loans to loans | 0.0660% | 4,588 |
| Net loans and leases to total assets | 63.9704% | 3,430 |
| Net loans and leases to deposits | 72.4311% | 3,736 |
| Net loans and leases to core deposits | 80.9497% | 3,410 |
| Total domestic deposits to total assets | 88.3190% | 1,111 |
| Equity capital to assets | 11.3314% | 2,374 |
| Core capital (leverage) ratio | 12.0065% | 1,783 |
| Tier 1 risk-based capital ratio | 19.7422% | 1,393 |
| Total risk-based capital ratio | 20.4237% | 1,464 |
| Memoranda: | ||
| Average total assets | $619,373,750 | 1,173 |
| Average earning assets | $589,103,500 | 1,140 |
| Average equity | $68,870,250 | 1,173 |
| Average total loans | $388,425,500 | 1,291 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0964% | 3,461 |
| Cost of funding earning assets | 0.4627% | 3,265 |
| Net interest margin | 3.6338% | 3,187 |
| Noninterest income to average assets | 0.6221% | 2,218 |
| Noninterest expense to average assets | 2.0177% | 4,764 |
| Loan and lease loss provision to assets | 0.0337% | 3,241 |
| Net operating income to assets | 1.5024% | 1,157 |
| Return on assets (ROA) | 1.5024% | 1,155 |
| Pretax return on assets | 2.0317% | 566 |
| Return on Equity (ROE) | 13.5998% | 1,181 |
| Retained earnings to average equity (ytd only) | 10.0662% | 909 |
| Net charge-offs to loans | 0.0376% | 2,099 |
| Credit loss provision to net charge-offs | 144.4444% | 1,611 |
| Earnings coverage of net charge-offs (x) | 88.4028% | 760 |
| Efficiency ratio | 49.4159% | 5,057 |
| Assets per employee ($millions) | 5.1765% | 2,215 |
| Cash dividends to net income (ytd only)* | 25.9827% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6469% | 5,034 |
| Loan loss allowance to noncurrent loans | 402.0833% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.1436% | 4,272 |
| Noncurrent loans to loans | 0.1609% | 4,185 |
| Net loans and leases to total assets | 62.0312% | 3,599 |
| Net loans and leases to deposits | 70.0257% | 3,855 |
| Net loans and leases to core deposits | 77.2442% | 3,641 |
| Total domestic deposits to total assets | 88.5835% | 1,105 |
| Equity capital to assets | 11.1604% | 2,492 |
| Core capital (leverage) ratio | 11.6175% | 1,971 |
| Tier 1 risk-based capital ratio | 19.8502% | 1,352 |
| Total risk-based capital ratio | 20.5442% | 1,437 |
| Memoranda: | ||
| Average total assets | $616,343,670 | 1,181 |
| Average earning assets | $587,046,670 | 1,145 |
| Average equity | $68,089,000 | 1,184 |
| Average total loans | $383,036,670 | 1,303 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0826% | 3,290 |
| Cost of funding earning assets | 0.4467% | 3,226 |
| Net interest margin | 3.6359% | 3,047 |
| Noninterest income to average assets | 0.5395% | 2,579 |
| Noninterest expense to average assets | 2.0191% | 4,813 |
| Loan and lease loss provision to assets | 0.0059% | 3,429 |
| Net operating income to assets | 1.4614% | 1,171 |
| Return on assets (ROA) | 1.4614% | 1,173 |
| Pretax return on assets | 1.9774% | 597 |
| Return on Equity (ROE) | 13.2977% | 1,183 |
| Retained earnings to average equity (ytd only) | 6.1657% | 2,639 |
| Net charge-offs to loans | 0.0336% | 1,837 |
| Credit loss provision to net charge-offs | 28.1250% | 2,085 |
| Earnings coverage of net charge-offs (x) | 95.1250% | 637 |
| Efficiency ratio | 50.4477% | 5,060 |
| Assets per employee ($millions) | 5.2622% | 2,181 |
| Cash dividends to net income (ytd only)* | 53.6335% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6426% | 5,114 |
| Loan loss allowance to noncurrent loans | 1,844.3609% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0799% | 4,687 |
| Noncurrent loans to loans | 0.0348% | 4,812 |
| Net loans and leases to total assets | 61.0849% | 3,638 |
| Net loans and leases to deposits | 68.8021% | 3,893 |
| Net loans and leases to core deposits | 75.6213% | 3,698 |
| Total domestic deposits to total assets | 88.7836% | 1,216 |
| Equity capital to assets | 10.8364% | 2,731 |
| Core capital (leverage) ratio | 11.4211% | 2,072 |
| Tier 1 risk-based capital ratio | 19.5861% | 1,420 |
| Total risk-based capital ratio | 20.2786% | 1,509 |
| Memoranda: | ||
| Average total assets | $613,926,000 | 1,195 |
| Average earning assets | $584,725,500 | 1,157 |
| Average equity | $67,470,500 | 1,204 |
| Average total loans | $380,638,000 | 1,316 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0893% | 3,092 |
| Cost of funding earning assets | 0.4174% | 3,072 |
| Net interest margin | 3.6719% | 2,909 |
| Noninterest income to average assets | 0.5407% | 2,769 |
| Noninterest expense to average assets | 1.9416% | 5,062 |
| Loan and lease loss provision to assets | 0.0548% | 3,132 |
| Net operating income to assets | 1.2945% | 1,234 |
| Return on assets (ROA) | 1.2945% | 1,253 |
| Pretax return on assets | 2.0317% | 457 |
| Return on Equity (ROE) | 11.4345% | 1,355 |
| Retained earnings to average equity (ytd only) | 4.2665% | 2,601 |
| Net charge-offs to loans | 0.1203% | 1,844 |
| Credit loss provision to net charge-offs | 72.5446% | 3,055 |
| Earnings coverage of net charge-offs (x) | 27.6071% | 1,631 |
| Efficiency ratio | 48.2012% | 5,305 |
| Assets per employee ($millions) | 5.1001% | 2,362 |
| Cash dividends to net income (ytd only)* | 62.6873% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6527% | 5,152 |
| Loan loss allowance to noncurrent loans | 820.1987% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.1002% | 4,630 |
| Noncurrent loans to loans | 0.0796% | 4,641 |
| Net loans and leases to total assets | 62.1251% | 3,601 |
| Net loans and leases to deposits | 70.1157% | 3,867 |
| Net loans and leases to core deposits | 76.6968% | 3,688 |
| Total domestic deposits to total assets | 88.6037% | 1,192 |
| Equity capital to assets | 11.1473% | 2,491 |
| Core capital (leverage) ratio | 11.3996% | 2,011 |
| Tier 1 risk-based capital ratio | 19.4826% | 1,414 |
| Total risk-based capital ratio | 20.1888% | 1,477 |
| Memoranda: | ||
| Average total assets | $592,744,200 | 1,210 |
| Average earning assets | $562,980,400 | 1,177 |
| Average equity | $67,103,800 | 1,190 |
| Average total loans | $372,385,400 | 1,308 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0721% | 3,082 |
| Cost of funding earning assets | 0.4093% | 3,097 |
| Net interest margin | 3.6629% | 2,905 |
| Noninterest income to average assets | 0.5291% | 2,844 |
| Noninterest expense to average assets | 1.9441% | 5,056 |
| Loan and lease loss provision to assets | 0.0170% | 3,806 |
| Net operating income to assets | 1.2754% | 1,416 |
| Return on assets (ROA) | 1.2754% | 1,444 |
| Pretax return on assets | 2.0454% | 499 |
| Return on Equity (ROE) | 11.2213% | 1,599 |
| Retained earnings to average equity (ytd only) | 8.7764% | 922 |
| Net charge-offs to loans | 0.1248% | 1,536 |
| Credit loss provision to net charge-offs | 21.6138% | 3,145 |
| Earnings coverage of net charge-offs (x) | 26.2649% | 1,689 |
| Efficiency ratio | 48.5230% | 5,318 |
| Assets per employee ($millions) | 5.2938% | 2,126 |
| Cash dividends to net income (ytd only)* | 21.7885% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6151% | 5,298 |
| Loan loss allowance to noncurrent loans | 1,113.8756% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.0893% | 4,788 |
| Noncurrent loans to loans | 0.0552% | 4,861 |
| Net loans and leases to total assets | 62.3248% | 3,613 |
| Net loans and leases to deposits | 70.7068% | 3,901 |
| Net loans and leases to core deposits | 77.2860% | 3,700 |
| Total domestic deposits to total assets | 88.1454% | 1,283 |
| Equity capital to assets | 11.5212% | 2,342 |
| Core capital (leverage) ratio | 11.7371% | 1,858 |
| Tier 1 risk-based capital ratio | 19.9094% | 1,374 |
| Total risk-based capital ratio | 20.5737% | 1,468 |
| Memoranda: | ||
| Average total assets | $589,201,250 | 1,225 |
| Average earning assets | $559,363,000 | 1,196 |
| Average equity | $66,966,000 | 1,196 |
| Average total loans | $370,600,750 | 1,325 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0654% | 2,957 |
| Cost of funding earning assets | 0.4013% | 3,062 |
| Net interest margin | 3.6641% | 2,777 |
| Noninterest income to average assets | 0.5506% | 2,712 |
| Noninterest expense to average assets | 1.9468% | 5,090 |
| Loan and lease loss provision to assets | 0.0086% | 3,756 |
| Net operating income to assets | 1.2819% | 1,351 |
| Return on assets (ROA) | 1.2819% | 1,376 |
| Pretax return on assets | 2.0697% | 473 |
| Return on Equity (ROE) | 11.3324% | 1,521 |
| Retained earnings to average equity (ytd only) | 7.6175% | 1,309 |
| Net charge-offs to loans | 0.1250% | 1,410 |
| Credit loss provision to net charge-offs | 10.8696% | 2,844 |
| Earnings coverage of net charge-offs (x) | 26.4043% | 1,577 |
| Efficiency ratio | 48.3676% | 5,380 |
| Assets per employee ($millions) | 5.2819% | 2,078 |
| Cash dividends to net income (ytd only)* | 32.7816% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6402% | 5,324 |
| Loan loss allowance to noncurrent loans | 1,113.9535% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 4,619 |
| Noncurrent loans to loans | 0.0575% | 4,901 |
| Net loans and leases to total assets | 61.7361% | 3,659 |
| Net loans and leases to deposits | 69.7773% | 3,928 |
| Net loans and leases to core deposits | 75.8383% | 3,789 |
| Total domestic deposits to total assets | 88.4759% | 1,216 |
| Equity capital to assets | 11.2500% | 2,545 |
| Core capital (leverage) ratio | 11.4638% | 1,997 |
| Tier 1 risk-based capital ratio | 19.4054% | 1,496 |
| Total risk-based capital ratio | 20.0901% | 1,585 |
| Memoranda: | ||
| Average total assets | $584,436,670 | 1,239 |
| Average earning assets | $554,188,670 | 1,204 |
| Average equity | $66,111,330 | 1,211 |
| Average total loans | $367,982,670 | 1,329 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0712% | 2,764 |
| Cost of funding earning assets | 0.3968% | 3,021 |
| Net interest margin | 3.6745% | 2,579 |
| Noninterest income to average assets | 0.5678% | 2,565 |
| Noninterest expense to average assets | 1.9458% | 5,157 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3030% | 1,232 |
| Return on assets (ROA) | 1.3030% | 1,266 |
| Pretax return on assets | 2.1036% | 409 |
| Return on Equity (ROE) | 11.4860% | 1,407 |
| Retained earnings to average equity (ytd only) | 3.9634% | 3,466 |
| Net charge-offs to loans | 0.0899% | 1,448 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 36.9146% | 1,087 |
| Efficiency ratio | 48.0522% | 5,468 |
| Assets per employee ($millions) | 5.2322% | 2,153 |
| Cash dividends to net income (ytd only)* | 65.4933% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6924% | 5,327 |
| Loan loss allowance to noncurrent loans | 441.7544% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.1594% | 4,614 |
| Noncurrent loans to loans | 0.1567% | 4,562 |
| Net loans and leases to total assets | 61.6303% | 3,588 |
| Net loans and leases to deposits | 69.7473% | 3,826 |
| Net loans and leases to core deposits | 76.0935% | 3,643 |
| Total domestic deposits to total assets | 88.3623% | 1,500 |
| Equity capital to assets | 11.1940% | 2,436 |
| Core capital (leverage) ratio | 11.4726% | 1,972 |
| Tier 1 risk-based capital ratio | 19.2897% | 1,540 |
| Total risk-based capital ratio | 20.0255% | 1,627 |
| Memoranda: | ||
| Average total assets | $575,587,000 | 1,250 |
| Average earning assets | $545,387,500 | 1,222 |
| Average equity | $65,297,000 | 1,222 |
| Average total loans | $364,909,000 | 1,344 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0822% | 2,926 |
| Cost of funding earning assets | 0.4020% | 2,979 |
| Net interest margin | 3.6802% | 2,773 |
| Noninterest income to average assets | 0.5728% | 2,799 |
| Noninterest expense to average assets | 1.9205% | 5,334 |
| Loan and lease loss provision to assets | 0.0495% | 3,408 |
| Net operating income to assets | 1.3761% | 1,053 |
| Return on assets (ROA) | 1.3761% | 1,103 |
| Pretax return on assets | 2.0790% | 419 |
| Return on Equity (ROE) | 12.1382% | 1,203 |
| Retained earnings to average equity (ytd only) | 5.4079% | 2,074 |
| Net charge-offs to loans | 0.0641% | 2,780 |
| Credit loss provision to net charge-offs | 122.2707% | 2,175 |
| Earnings coverage of net charge-offs (x) | 52.5764% | 979 |
| Efficiency ratio | 47.4305% | 5,598 |
| Assets per employee ($millions) | 5.1379% | 2,245 |
| Cash dividends to net income (ytd only)* | 55.4471% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7101% | 5,337 |
| Loan loss allowance to noncurrent loans | 449.0501% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.1669% | 4,656 |
| Noncurrent loans to loans | 0.1581% | 4,606 |
| Net loans and leases to total assets | 64.3247% | 3,315 |
| Net loans and leases to deposits | 72.9013% | 3,625 |
| Net loans and leases to core deposits | 79.6993% | 3,417 |
| Total domestic deposits to total assets | 88.2353% | 1,513 |
| Equity capital to assets | 11.5004% | 2,172 |
| Core capital (leverage) ratio | 11.5394% | 1,903 |
| Tier 1 risk-based capital ratio | 19.4068% | 1,505 |
| Total risk-based capital ratio | 20.1787% | 1,585 |
| Memoranda: | ||
| Average total assets | $565,643,400 | 1,232 |
| Average earning assets | $534,292,800 | 1,201 |
| Average equity | $64,128,000 | 1,225 |
| Average total loans | $357,277,800 | 1,315 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0879% | 2,918 |
| Cost of funding earning assets | 0.4038% | 2,983 |
| Net interest margin | 3.6841% | 2,778 |
| Noninterest income to average assets | 0.5788% | 2,771 |
| Noninterest expense to average assets | 1.9233% | 5,341 |
| Loan and lease loss provision to assets | 0.0189% | 3,869 |
| Net operating income to assets | 1.3141% | 1,254 |
| Return on assets (ROA) | 1.3141% | 1,333 |
| Pretax return on assets | 2.1151% | 451 |
| Return on Equity (ROE) | 11.6326% | 1,435 |
| Retained earnings to average equity (ytd only) | 9.5276% | 683 |
| Net charge-offs to loans | 0.0481% | 2,681 |
| Credit loss provision to net charge-offs | 62.5000% | 2,880 |
| Earnings coverage of net charge-offs (x) | 70.7432% | 849 |
| Efficiency ratio | 47.4036% | 5,612 |
| Assets per employee ($millions) | 5.1044% | 2,251 |
| Cash dividends to net income (ytd only)* | 18.0954% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6948% | 5,439 |
| Loan loss allowance to noncurrent loans | 272.4401% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.2017% | 4,623 |
| Noncurrent loans to loans | 0.2550% | 4,353 |
| Net loans and leases to total assets | 63.0869% | 3,511 |
| Net loans and leases to deposits | 71.8465% | 3,823 |
| Net loans and leases to core deposits | 78.5538% | 3,605 |
| Total domestic deposits to total assets | 87.8079% | 1,500 |
| Equity capital to assets | 11.7826% | 2,274 |
| Core capital (leverage) ratio | 11.7966% | 1,813 |
| Tier 1 risk-based capital ratio | 20.4689% | 1,358 |
| Total risk-based capital ratio | 21.2391% | 1,410 |
| Memoranda: | ||
| Average total assets | $565,761,250 | 1,231 |
| Average earning assets | $534,180,000 | 1,202 |
| Average equity | $63,910,750 | 1,239 |
| Average total loans | $355,061,000 | 1,323 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0714% | 2,989 |
| Cost of funding earning assets | 0.4060% | 2,973 |
| Net interest margin | 3.6654% | 2,837 |
| Noninterest income to average assets | 0.5705% | 2,794 |
| Noninterest expense to average assets | 1.9155% | 5,426 |
| Loan and lease loss provision to assets | 0.0212% | 3,711 |
| Net operating income to assets | 1.3012% | 1,271 |
| Return on assets (ROA) | 1.3012% | 1,376 |
| Pretax return on assets | 2.0920% | 474 |
| Return on Equity (ROE) | 11.6865% | 1,421 |
| Retained earnings to average equity (ytd only) | 8.4814% | 1,016 |
| Net charge-offs to loans | 0.0498% | 2,486 |
| Credit loss provision to net charge-offs | 68.1818% | 2,494 |
| Earnings coverage of net charge-offs (x) | 67.8977% | 800 |
| Efficiency ratio | 47.5463% | 5,693 |
| Assets per employee ($millions) | 5.1272% | 2,165 |
| Cash dividends to net income (ytd only)* | 27.4259% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6953% | 5,534 |
| Loan loss allowance to noncurrent loans | 408.7520% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.1803% | 4,774 |
| Noncurrent loans to loans | 0.1701% | 4,755 |
| Net loans and leases to total assets | 63.8672% | 3,380 |
| Net loans and leases to deposits | 72.4626% | 3,745 |
| Net loans and leases to core deposits | 79.0163% | 3,550 |
| Total domestic deposits to total assets | 88.1382% | 1,362 |
| Equity capital to assets | 11.5131% | 2,536 |
| Core capital (leverage) ratio | 11.4367% | 2,036 |
| Tier 1 risk-based capital ratio | 19.5252% | 1,559 |
| Total risk-based capital ratio | 20.2879% | 1,656 |
| Memoranda: | ||
| Average total assets | $565,485,000 | 1,243 |
| Average earning assets | $533,525,670 | 1,211 |
| Average equity | $62,961,330 | 1,254 |
| Average total loans | $353,433,000 | 1,323 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0780% | 2,936 |
| Cost of funding earning assets | 0.4073% | 2,995 |
| Net interest margin | 3.6707% | 2,797 |
| Noninterest income to average assets | 0.5687% | 2,688 |
| Noninterest expense to average assets | 1.9413% | 5,458 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2942% | 1,273 |
| Return on assets (ROA) | 1.2942% | 1,354 |
| Pretax return on assets | 2.0910% | 476 |
| Return on Equity (ROE) | 11.8240% | 1,365 |
| Retained earnings to average equity (ytd only) | 5.3118% | 2,759 |
| Net charge-offs to loans | 0.0252% | 2,428 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 134.5455% | 437 |
| Efficiency ratio | 48.1430% | 5,719 |
| Assets per employee ($millions) | 5.1834% | 2,155 |
| Cash dividends to net income (ytd only)* | 55.0764% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7229% | 5,554 |
| Loan loss allowance to noncurrent loans | 240.3042% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.2338% | 4,622 |
| Noncurrent loans to loans | 0.3008% | 4,350 |
| Net loans and leases to total assets | 60.8908% | 3,663 |
| Net loans and leases to deposits | 68.8028% | 3,976 |
| Net loans and leases to core deposits | 75.3970% | 3,743 |
| Total domestic deposits to total assets | 88.5005% | 1,355 |
| Equity capital to assets | 11.0133% | 2,921 |
| Core capital (leverage) ratio | 11.1183% | 2,292 |
| Tier 1 risk-based capital ratio | 19.7193% | 1,567 |
| Total risk-based capital ratio | 20.5141% | 1,636 |
| Memoranda: | ||
| Average total assets | $566,230,500 | 1,243 |
| Average earning assets | $534,281,500 | 1,210 |
| Average equity | $61,975,500 | 1,265 |
| Average total loans | $348,785,000 | 1,338 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1477% | 2,742 |
| Cost of funding earning assets | 0.4125% | 3,029 |
| Net interest margin | 3.7353% | 2,621 |
| Noninterest income to average assets | 0.5619% | 2,956 |
| Noninterest expense to average assets | 1.8648% | 5,660 |
| Loan and lease loss provision to assets | 0.0274% | 3,832 |
| Net operating income to assets | 1.4265% | 994 |
| Return on assets (ROA) | 1.4265% | 1,030 |
| Pretax return on assets | 2.1815% | 357 |
| Return on Equity (ROE) | 13.0756% | 1,043 |
| Retained earnings to average equity (ytd only) | 6.6702% | 1,456 |
| Net charge-offs to loans | 0.0950% | 2,476 |
| Credit loss provision to net charge-offs | 47.3186% | 3,445 |
| Earnings coverage of net charge-offs (x) | 38.1104% | 1,218 |
| Efficiency ratio | 45.7765% | 5,932 |
| Assets per employee ($millions) | 5.1586% | 2,172 |
| Cash dividends to net income (ytd only)* | 48.9874% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7328% | 5,575 |
| Loan loss allowance to noncurrent loans | 401.4173% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.1138% | 5,132 |
| Noncurrent loans to loans | 0.1825% | 4,761 |
| Net loans and leases to total assets | 61.4116% | 3,637 |
| Net loans and leases to deposits | 69.1322% | 4,014 |
| Net loans and leases to core deposits | 75.3957% | 3,809 |
| Total domestic deposits to total assets | 88.8321% | 1,205 |
| Equity capital to assets | 10.8763% | 2,962 |
| Core capital (leverage) ratio | 11.2239% | 2,185 |
| Tier 1 risk-based capital ratio | 19.0897% | 1,685 |
| Total risk-based capital ratio | 19.8759% | 1,748 |
| Memoranda: | ||
| Average total assets | $546,919,000 | 1,243 |
| Average earning assets | $514,206,800 | 1,219 |
| Average equity | $59,668,200 | 1,267 |
| Average total loans | $333,732,800 | 1,337 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1535% | 2,736 |
| Cost of funding earning assets | 0.4150% | 3,064 |
| Net interest margin | 3.7385% | 2,616 |
| Noninterest income to average assets | 0.5819% | 2,840 |
| Noninterest expense to average assets | 1.8646% | 5,688 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3854% | 1,140 |
| Return on assets (ROA) | 1.3854% | 1,197 |
| Pretax return on assets | 2.2317% | 382 |
| Return on Equity (ROE) | 12.6885% | 1,199 |
| Retained earnings to average equity (ytd only) | 10.4670% | 558 |
| Net charge-offs to loans | 0.0448% | 3,002 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 81.8899% | 731 |
| Efficiency ratio | 45.5199% | 5,982 |
| Assets per employee ($millions) | 4.9667% | 2,344 |
| Cash dividends to net income (ytd only)* | 17.5084% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7720% | 5,578 |
| Loan loss allowance to noncurrent loans | 402.0062% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.1607% | 5,121 |
| Noncurrent loans to loans | 0.1920% | 4,873 |
| Net loans and leases to total assets | 60.7351% | 3,771 |
| Net loans and leases to deposits | 68.7755% | 4,115 |
| Net loans and leases to core deposits | 75.0403% | 3,906 |
| Total domestic deposits to total assets | 88.3092% | 1,395 |
| Equity capital to assets | 11.2892% | 2,710 |
| Core capital (leverage) ratio | 11.3259% | 2,169 |
| Tier 1 risk-based capital ratio | 20.1034% | 1,514 |
| Total risk-based capital ratio | 20.9403% | 1,589 |
| Memoranda: | ||
| Average total assets | $543,076,750 | 1,258 |
| Average earning assets | $510,527,750 | 1,235 |
| Average equity | $59,296,250 | 1,282 |
| Average total loans | $330,201,250 | 1,357 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1550% | 2,703 |
| Cost of funding earning assets | 0.4146% | 3,106 |
| Net interest margin | 3.7404% | 2,543 |
| Noninterest income to average assets | 0.5771% | 2,873 |
| Noninterest expense to average assets | 1.8948% | 5,719 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3647% | 1,153 |
| Return on assets (ROA) | 1.3647% | 1,200 |
| Pretax return on assets | 2.1953% | 418 |
| Return on Equity (ROE) | 12.6450% | 1,186 |
| Retained earnings to average equity (ytd only) | 9.2565% | 841 |
| Net charge-offs to loans | 0.0390% | 2,896 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 92.6719% | 631 |
| Efficiency ratio | 46.3258% | 6,025 |
| Assets per employee ($millions) | 5.1514% | 2,094 |
| Cash dividends to net income (ytd only)* | 26.7969% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7917% | 5,618 |
| Loan loss allowance to noncurrent loans | 844.2675% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.0992% | 5,471 |
| Noncurrent loans to loans | 0.0938% | 5,369 |
| Net loans and leases to total assets | 59.7129% | 3,878 |
| Net loans and leases to deposits | 67.0851% | 4,221 |
| Net loans and leases to core deposits | 73.1181% | 4,030 |
| Total domestic deposits to total assets | 89.0107% | 1,135 |
| Equity capital to assets | 10.6431% | 3,278 |
| Core capital (leverage) ratio | 11.1120% | 2,321 |
| Tier 1 risk-based capital ratio | 19.5028% | 1,670 |
| Total risk-based capital ratio | 20.3558% | 1,741 |
| Memoranda: | ||
| Average total assets | $540,334,330 | 1,269 |
| Average earning assets | $507,488,330 | 1,244 |
| Average equity | $58,315,670 | 1,306 |
| Average total loans | $327,788,330 | 1,369 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1561% | 2,615 |
| Cost of funding earning assets | 0.4163% | 3,125 |
| Net interest margin | 3.7397% | 2,469 |
| Noninterest income to average assets | 0.5478% | 2,962 |
| Noninterest expense to average assets | 1.8981% | 5,762 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3488% | 1,140 |
| Return on assets (ROA) | 1.3488% | 1,207 |
| Pretax return on assets | 2.1596% | 425 |
| Return on Equity (ROE) | 12.4078% | 1,242 |
| Retained earnings to average equity (ytd only) | 5.5783% | 2,735 |
| Net charge-offs to loans | 0.0197% | 2,759 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 179.6250% | 310 |
| Efficiency ratio | 46.7778% | 6,074 |
| Assets per employee ($millions) | 4.9495% | 2,421 |
| Cash dividends to net income (ytd only)* | 55.0418% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8306% | 5,619 |
| Loan loss allowance to noncurrent loans | 843.7500% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.4684% | 4,155 |
| Noncurrent loans to loans | 0.0984% | 5,401 |
| Net loans and leases to total assets | 59.7506% | 3,688 |
| Net loans and leases to deposits | 67.3089% | 4,024 |
| Net loans and leases to core deposits | 73.6481% | 3,810 |
| Total domestic deposits to total assets | 88.7707% | 1,410 |
| Equity capital to assets | 10.8792% | 3,109 |
| Core capital (leverage) ratio | 11.0370% | 2,380 |
| Tier 1 risk-based capital ratio | 19.0932% | 1,845 |
| Total risk-based capital ratio | 19.0932% | 2,144 |
| Memoranda: | ||
| Average total assets | $532,327,000 | 1,286 |
| Average earning assets | $499,606,500 | 1,265 |
| Average equity | $57,867,000 | 1,319 |
| Average total loans | $324,251,000 | 1,381 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3171% | 2,543 |
| Cost of funding earning assets | 0.4310% | 3,372 |
| Net interest margin | 3.8861% | 2,294 |
| Noninterest income to average assets | 0.6478% | 2,560 |
| Noninterest expense to average assets | 1.9688% | 5,826 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.4911% | 895 |
| Return on assets (ROA) | 1.4911% | 933 |
| Pretax return on assets | 2.3359% | 255 |
| Return on Equity (ROE) | 14.7198% | 827 |
| Retained earnings to average equity (ytd only) | 7.5851% | 1,165 |
| Net charge-offs to loans | 0.1527% | 2,512 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 25.3299% | 1,501 |
| Efficiency ratio | 45.7352% | 6,276 |
| Assets per employee ($millions) | 4.7741% | 2,626 |
| Cash dividends to net income (ytd only)* | 48.4698% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8397% | 5,661 |
| Loan loss allowance to noncurrent loans | 565.8333% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.1491% | 5,433 |
| Noncurrent loans to loans | 0.1484% | 5,299 |
| Net loans and leases to total assets | 61.0738% | 3,630 |
| Net loans and leases to deposits | 68.7751% | 4,056 |
| Net loans and leases to core deposits | 75.9327% | 3,714 |
| Total domestic deposits to total assets | 88.8022% | 1,352 |
| Equity capital to assets | 10.8617% | 3,049 |
| Core capital (leverage) ratio | 10.8893% | 2,505 |
| Tier 1 risk-based capital ratio | 18.8452% | 1,893 |
| Total risk-based capital ratio | 19.7290% | 1,968 |
| Memoranda: | ||
| Average total assets | $525,912,600 | 1,277 |
| Average earning assets | $494,897,400 | 1,244 |
| Average equity | $53,275,200 | 1,373 |
| Average total loans | $317,527,600 | 1,364 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3086% | 2,594 |
| Cost of funding earning assets | 0.4308% | 3,458 |
| Net interest margin | 3.8778% | 2,329 |
| Noninterest income to average assets | 0.6929% | 2,364 |
| Noninterest expense to average assets | 1.9532% | 5,851 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4793% | 979 |
| Return on assets (ROA) | 1.4793% | 1,006 |
| Pretax return on assets | 2.3896% | 262 |
| Return on Equity (ROE) | 14.8708% | 850 |
| Retained earnings to average equity (ytd only) | 12.3002% | 391 |
| Net charge-offs to loans | 0.1873% | 1,968 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 21.2363% | 1,687 |
| Efficiency ratio | 44.9755% | 6,327 |
| Assets per employee ($millions) | 4.7724% | 2,560 |
| Cash dividends to net income (ytd only)* | 17.2863% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8495% | 5,749 |
| Loan loss allowance to noncurrent loans | 1,293.8967% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.1484% | 5,596 |
| Noncurrent loans to loans | 0.0657% | 5,753 |
| Net loans and leases to total assets | 60.7257% | 3,672 |
| Net loans and leases to deposits | 68.3132% | 4,097 |
| Net loans and leases to core deposits | 75.2228% | 3,836 |
| Total domestic deposits to total assets | 88.8931% | 1,302 |
| Equity capital to assets | 10.6771% | 3,334 |
| Core capital (leverage) ratio | 11.1687% | 2,342 |
| Tier 1 risk-based capital ratio | 18.7482% | 1,972 |
| Total risk-based capital ratio | 19.6281% | 2,058 |
| Memoranda: | ||
| Average total assets | $526,102,000 | 1,285 |
| Average earning assets | $495,180,750 | 1,252 |
| Average equity | $52,333,750 | 1,403 |
| Average total loans | $316,047,500 | 1,385 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2797% | 2,664 |
| Cost of funding earning assets | 0.4270% | 3,581 |
| Net interest margin | 3.8527% | 2,368 |
| Noninterest income to average assets | 0.7217% | 2,178 |
| Noninterest expense to average assets | 1.9467% | 5,917 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4895% | 891 |
| Return on assets (ROA) | 1.4895% | 921 |
| Pretax return on assets | 2.4058% | 253 |
| Return on Equity (ROE) | 15.3521% | 741 |
| Retained earnings to average equity (ytd only) | 11.3894% | 488 |
| Net charge-offs to loans | 0.2343% | 1,637 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 17.2044% | 1,746 |
| Efficiency ratio | 44.7256% | 6,397 |
| Assets per employee ($millions) | 4.8627% | 2,394 |
| Cash dividends to net income (ytd only)* | 25.8122% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8869% | 5,757 |
| Loan loss allowance to noncurrent loans | 419.8519% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.2289% | 5,416 |
| Noncurrent loans to loans | 0.2112% | 5,385 |
| Net loans and leases to total assets | 59.7550% | 3,764 |
| Net loans and leases to deposits | 66.8375% | 4,183 |
| Net loans and leases to core deposits | 73.3306% | 3,914 |
| Total domestic deposits to total assets | 89.4035% | 1,152 |
| Equity capital to assets | 10.2241% | 3,798 |
| Core capital (leverage) ratio | 10.7893% | 2,633 |
| Tier 1 risk-based capital ratio | 18.1542% | 2,187 |
| Total risk-based capital ratio | 19.0604% | 2,278 |
| Memoranda: | ||
| Average total assets | $524,889,000 | 1,278 |
| Average earning assets | $494,666,000 | 1,251 |
| Average equity | $50,924,670 | 1,426 |
| Average total loans | $313,248,330 | 1,388 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2056% | 2,856 |
| Cost of funding earning assets | 0.4221% | 3,737 |
| Net interest margin | 3.7835% | 2,535 |
| Noninterest income to average assets | 0.8386% | 1,606 |
| Noninterest expense to average assets | 1.9536% | 5,972 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5278% | 768 |
| Return on assets (ROA) | 1.5278% | 805 |
| Pretax return on assets | 2.4682% | 235 |
| Return on Equity (ROE) | 16.1894% | 624 |
| Retained earnings to average equity (ytd only) | 8.0014% | 1,592 |
| Net charge-offs to loans | 0.3676% | 981 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 11.3088% | 1,789 |
| Efficiency ratio | 44.1808% | 6,493 |
| Assets per employee ($millions) | 4.7978% | 2,514 |
| Cash dividends to net income (ytd only)* | 50.5764% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9396% | 5,739 |
| Loan loss allowance to noncurrent loans | 968.7708% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.1510% | 5,786 |
| Noncurrent loans to loans | 0.0970% | 5,836 |
| Net loans and leases to total assets | 57.7289% | 3,895 |
| Net loans and leases to deposits | 64.1849% | 4,294 |
| Net loans and leases to core deposits | 70.2268% | 4,063 |
| Total domestic deposits to total assets | 89.9416% | 1,101 |
| Equity capital to assets | 9.5328% | 4,459 |
| Core capital (leverage) ratio | 10.5872% | 2,824 |
| Tier 1 risk-based capital ratio | 17.5410% | 2,466 |
| Total risk-based capital ratio | 18.4736% | 2,544 |
| Memoranda: | ||
| Average total assets | $522,316,500 | 1,290 |
| Average earning assets | $494,679,000 | 1,254 |
| Average equity | $49,291,500 | 1,458 |
| Average total loans | $310,094,500 | 1,399 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2927% | 2,985 |
| Cost of funding earning assets | 0.5158% | 3,445 |
| Net interest margin | 3.7769% | 2,739 |
| Noninterest income to average assets | 0.6044% | 3,071 |
| Noninterest expense to average assets | 1.9258% | 6,148 |
| Loan and lease loss provision to assets | -0.0533% | 6,392 |
| Net operating income to assets | 1.4255% | 973 |
| Return on assets (ROA) | 1.4303% | 1,004 |
| Pretax return on assets | 2.3305% | 252 |
| Return on Equity (ROE) | 14.4672% | 855 |
| Retained earnings to average equity (ytd only) | 8.6759% | 852 |
| Net charge-offs to loans | -0.3535% | 6,694 |
| Credit loss provision to net charge-offs | 25.7880% | 4,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9022% | 6,559 |
| Assets per employee ($millions) | 4.6980% | 2,589 |
| Cash dividends to net income (ytd only)* | 40.0304% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0331% | 5,404 |
| Loan loss allowance to noncurrent loans | 542.5424% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 5,787 |
| Noncurrent loans to loans | 0.1904% | 5,623 |
| Net loans and leases to total assets | 59.8803% | 3,741 |
| Net loans and leases to deposits | 66.3126% | 4,263 |
| Net loans and leases to core deposits | 71.5246% | 4,123 |
| Total domestic deposits to total assets | 90.3000% | 916 |
| Equity capital to assets | 9.3376% | 4,641 |
| Core capital (leverage) ratio | 10.5286% | 2,881 |
| Tier 1 risk-based capital ratio | 17.3297% | 2,483 |
| Total risk-based capital ratio | 18.3593% | 2,536 |
| Memoranda: | ||
| Average total assets | $506,324,800 | 1,316 |
| Average earning assets | $481,426,600 | 1,267 |
| Average equity | $50,058,000 | 1,416 |
| Average total loans | $296,218,800 | 1,421 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2554% | 3,176 |
| Cost of funding earning assets | 0.5361% | 3,406 |
| Net interest margin | 3.7194% | 2,958 |
| Noninterest income to average assets | 0.5950% | 3,179 |
| Noninterest expense to average assets | 1.9090% | 6,170 |
| Loan and lease loss provision to assets | -0.0713% | 6,580 |
| Net operating income to assets | 1.3657% | 1,182 |
| Return on assets (ROA) | 1.3722% | 1,214 |
| Pretax return on assets | 2.3089% | 313 |
| Return on Equity (ROE) | 13.6864% | 1,073 |
| Retained earnings to average equity (ytd only) | 13.4045% | 299 |
| Net charge-offs to loans | -0.4954% | 6,774 |
| Credit loss provision to net charge-offs | 24.8162% | 3,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1504% | 6,582 |
| Assets per employee ($millions) | 4.8318% | 2,392 |
| Cash dividends to net income (ytd only)* | 2.0592% | 3,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0795% | 5,404 |
| Loan loss allowance to noncurrent loans | 748.9607% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.1552% | 5,974 |
| Noncurrent loans to loans | 0.1441% | 5,891 |
| Net loans and leases to total assets | 59.1359% | 3,832 |
| Net loans and leases to deposits | 65.9301% | 4,315 |
| Net loans and leases to core deposits | 71.3976% | 4,163 |
| Total domestic deposits to total assets | 89.6949% | 1,173 |
| Equity capital to assets | 9.8974% | 4,053 |
| Core capital (leverage) ratio | 10.8690% | 2,601 |
| Tier 1 risk-based capital ratio | 18.1838% | 2,255 |
| Total risk-based capital ratio | 19.2634% | 2,281 |
| Memoranda: | ||
| Average total assets | $504,885,500 | 1,329 |
| Average earning assets | $480,752,500 | 1,281 |
| Average equity | $50,618,500 | 1,411 |
| Average total loans | $292,814,250 | 1,443 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2029% | 3,360 |
| Cost of funding earning assets | 0.5400% | 3,502 |
| Net interest margin | 3.6629% | 3,121 |
| Noninterest income to average assets | 0.5790% | 3,324 |
| Noninterest expense to average assets | 1.8850% | 6,249 |
| Loan and lease loss provision to assets | -0.1068% | 6,720 |
| Net operating income to assets | 1.3379% | 1,232 |
| Return on assets (ROA) | 1.3475% | 1,292 |
| Pretax return on assets | 2.3145% | 341 |
| Return on Equity (ROE) | 13.3836% | 1,147 |
| Retained earnings to average equity (ytd only) | 12.9633% | 389 |
| Net charge-offs to loans | -0.7882% | 6,854 |
| Credit loss provision to net charge-offs | 23.6014% | 3,678 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2270% | 6,627 |
| Assets per employee ($millions) | 4.9722% | 2,144 |
| Cash dividends to net income (ytd only)* | 3.1406% | 3,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1069% | 5,416 |
| Loan loss allowance to noncurrent loans | 1,002.4316% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.1326% | 6,087 |
| Noncurrent loans to loans | 0.1104% | 6,066 |
| Net loans and leases to total assets | 57.5352% | 4,059 |
| Net loans and leases to deposits | 64.0797% | 4,488 |
| Net loans and leases to core deposits | 69.3103% | 4,353 |
| Total domestic deposits to total assets | 89.7870% | 1,156 |
| Equity capital to assets | 9.8879% | 4,073 |
| Core capital (leverage) ratio | 10.4369% | 2,953 |
| Tier 1 risk-based capital ratio | 17.7342% | 2,422 |
| Total risk-based capital ratio | 18.8413% | 2,449 |
| Memoranda: | ||
| Average total assets | $505,678,330 | 1,321 |
| Average earning assets | $483,004,330 | 1,275 |
| Average equity | $50,913,000 | 1,406 |
| Average total loans | $290,284,000 | 1,453 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1757% | 3,401 |
| Cost of funding earning assets | 0.5517% | 3,558 |
| Net interest margin | 3.6239% | 3,170 |
| Noninterest income to average assets | 0.5756% | 3,272 |
| Noninterest expense to average assets | 1.8740% | 6,319 |
| Loan and lease loss provision to assets | 0.0637% | 3,564 |
| Net operating income to assets | 1.3030% | 1,264 |
| Return on assets (ROA) | 1.3223% | 1,326 |
| Pretax return on assets | 2.1351% | 461 |
| Return on Equity (ROE) | 13.0147% | 1,168 |
| Retained earnings to average equity (ytd only) | 12.1763% | 677 |
| Net charge-offs to loans | 0.0363% | 3,513 |
| Credit loss provision to net charge-offs | 307.6923% | 780 |
| Earnings coverage of net charge-offs (x) | 104.7692% | 364 |
| Efficiency ratio | 46.3568% | 6,680 |
| Assets per employee ($millions) | 4.8993% | 2,346 |
| Cash dividends to net income (ytd only)* | 6.4419% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8634% | 6,341 |
| Loan loss allowance to noncurrent loans | 1,529.0123% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.1005% | 6,286 |
| Noncurrent loans to loans | 0.0565% | 6,305 |
| Net loans and leases to total assets | 55.8174% | 4,117 |
| Net loans and leases to deposits | 62.5156% | 4,471 |
| Net loans and leases to core deposits | 67.7871% | 4,331 |
| Total domestic deposits to total assets | 89.2855% | 1,497 |
| Equity capital to assets | 10.1557% | 3,951 |
| Core capital (leverage) ratio | 10.2078% | 3,138 |
| Tier 1 risk-based capital ratio | 17.9408% | 2,391 |
| Total risk-based capital ratio | 18.8107% | 2,504 |
| Memoranda: | ||
| Average total assets | $502,451,000 | 1,343 |
| Average earning assets | $480,691,000 | 1,291 |
| Average equity | $51,050,000 | 1,423 |
| Average total loans | $286,448,500 | 1,482 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4919% | 3,429 |
| Cost of funding earning assets | 0.6685% | 3,757 |
| Net interest margin | 3.8234% | 3,132 |
| Noninterest income to average assets | 0.5996% | 3,281 |
| Noninterest expense to average assets | 1.8738% | 6,526 |
| Loan and lease loss provision to assets | 0.4117% | 1,562 |
| Net operating income to assets | 1.3867% | 1,121 |
| Return on assets (ROA) | 1.3867% | 1,234 |
| Pretax return on assets | 1.9615% | 651 |
| Return on Equity (ROE) | 13.3928% | 1,130 |
| Retained earnings to average equity (ytd only) | 4.4616% | 3,096 |
| Net charge-offs to loans | 0.7506% | 1,560 |
| Credit loss provision to net charge-offs | 95.2790% | 3,263 |
| Earnings coverage of net charge-offs (x) | 5.4926% | 3,023 |
| Efficiency ratio | 44.1199% | 6,841 |
| Assets per employee ($millions) | 4.8566% | 2,408 |
| Cash dividends to net income (ytd only)* | 66.6865% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8472% | 6,400 |
| Loan loss allowance to noncurrent loans | 1,459.6386% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.1165% | 6,284 |
| Noncurrent loans to loans | 0.0580% | 6,344 |
| Net loans and leases to total assets | 57.2480% | 4,093 |
| Net loans and leases to deposits | 64.0435% | 4,527 |
| Net loans and leases to core deposits | 69.1395% | 4,417 |
| Total domestic deposits to total assets | 89.3893% | 1,311 |
| Equity capital to assets | 10.1648% | 3,939 |
| Core capital (leverage) ratio | 10.0998% | 3,276 |
| Tier 1 risk-based capital ratio | 17.7793% | 2,349 |
| Total risk-based capital ratio | 18.6498% | 2,464 |
| Memoranda: | ||
| Average total assets | $485,333,800 | 1,372 |
| Average earning assets | $462,985,400 | 1,316 |
| Average equity | $50,251,000 | 1,411 |
| Average total loans | $279,374,600 | 1,487 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5464% | 3,440 |
| Cost of funding earning assets | 0.6888% | 3,866 |
| Net interest margin | 3.8577% | 3,087 |
| Noninterest income to average assets | 0.5799% | 3,405 |
| Noninterest expense to average assets | 1.8687% | 6,582 |
| Loan and lease loss provision to assets | 0.0591% | 4,989 |
| Net operating income to assets | 1.4434% | 1,139 |
| Return on assets (ROA) | 1.4434% | 1,261 |
| Pretax return on assets | 2.3301% | 385 |
| Return on Equity (ROE) | 13.8758% | 1,136 |
| Retained earnings to average equity (ytd only) | 11.5397% | 605 |
| Net charge-offs to loans | 0.1171% | 4,209 |
| Credit loss provision to net charge-offs | 87.7049% | 3,370 |
| Earnings coverage of net charge-offs (x) | 35.4585% | 962 |
| Efficiency ratio | 43.8874% | 6,901 |
| Assets per employee ($millions) | 4.8897% | 2,333 |
| Cash dividends to net income (ytd only)* | 16.8356% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8792% | 6,429 |
| Loan loss allowance to noncurrent loans | 69.4236% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 0.8375% | 4,616 |
| Noncurrent loans to loans | 1.2665% | 3,937 |
| Net loans and leases to total assets | 57.4770% | 4,209 |
| Net loans and leases to deposits | 65.0024% | 4,592 |
| Net loans and leases to core deposits | 70.7303% | 4,406 |
| Total domestic deposits to total assets | 88.4229% | 1,775 |
| Equity capital to assets | 10.7648% | 3,537 |
| Core capital (leverage) ratio | 10.6685% | 2,736 |
| Tier 1 risk-based capital ratio | 18.3477% | 2,217 |
| Total risk-based capital ratio | 19.2335% | 2,333 |
| Memoranda: | ||
| Average total assets | $482,823,250 | 1,393 |
| Average earning assets | $460,334,250 | 1,341 |
| Average equity | $50,225,250 | 1,423 |
| Average total loans | $277,714,250 | 1,513 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5868% | 3,426 |
| Cost of funding earning assets | 0.7152% | 3,898 |
| Net interest margin | 3.8716% | 3,035 |
| Noninterest income to average assets | 0.5749% | 3,412 |
| Noninterest expense to average assets | 1.8637% | 6,665 |
| Loan and lease loss provision to assets | 0.0657% | 4,815 |
| Net operating income to assets | 1.4456% | 1,095 |
| Return on assets (ROA) | 1.4456% | 1,228 |
| Pretax return on assets | 2.3362% | 388 |
| Return on Equity (ROE) | 14.0628% | 1,099 |
| Retained earnings to average equity (ytd only) | 10.5015% | 849 |
| Net charge-offs to loans | 0.1530% | 3,694 |
| Credit loss provision to net charge-offs | 74.8815% | 3,462 |
| Earnings coverage of net charge-offs (x) | 27.3649% | 1,135 |
| Efficiency ratio | 43.6903% | 6,965 |
| Assets per employee ($millions) | 4.8571% | 2,349 |
| Cash dividends to net income (ytd only)* | 25.3237% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8897% | 6,489 |
| Loan loss allowance to noncurrent loans | 71.0299% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 0.7842% | 4,829 |
| Noncurrent loans to loans | 1.2525% | 4,042 |
| Net loans and leases to total assets | 56.6277% | 4,377 |
| Net loans and leases to deposits | 63.7853% | 4,791 |
| Net loans and leases to core deposits | 69.0338% | 4,667 |
| Total domestic deposits to total assets | 88.7786% | 1,657 |
| Equity capital to assets | 10.4947% | 3,698 |
| Core capital (leverage) ratio | 10.3242% | 3,017 |
| Tier 1 risk-based capital ratio | 17.9936% | 2,291 |
| Total risk-based capital ratio | 18.8841% | 2,395 |
| Memoranda: | ||
| Average total assets | $480,773,330 | 1,397 |
| Average earning assets | $458,316,000 | 1,348 |
| Average equity | $49,421,330 | 1,436 |
| Average total loans | $275,772,330 | 1,524 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6369% | 3,326 |
| Cost of funding earning assets | 0.7601% | 3,786 |
| Net interest margin | 3.8767% | 3,024 |
| Noninterest income to average assets | 0.5536% | 3,542 |
| Noninterest expense to average assets | 1.8800% | 6,678 |
| Loan and lease loss provision to assets | 0.0970% | 4,135 |
| Net operating income to assets | 1.4125% | 1,203 |
| Return on assets (ROA) | 1.4125% | 1,348 |
| Pretax return on assets | 2.2831% | 467 |
| Return on Equity (ROE) | 13.8884% | 1,211 |
| Retained earnings to average equity (ytd only) | 6.6523% | 2,604 |
| Net charge-offs to loans | 0.1135% | 3,438 |
| Credit loss provision to net charge-offs | 148.7179% | 1,682 |
| Earnings coverage of net charge-offs (x) | 36.4872% | 806 |
| Efficiency ratio | 44.1303% | 6,985 |
| Assets per employee ($millions) | 4.9016% | 2,385 |
| Cash dividends to net income (ytd only)* | 52.1018% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9392% | 6,444 |
| Loan loss allowance to noncurrent loans | 512.0000% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.1997% | 6,388 |
| Noncurrent loans to loans | 0.1834% | 6,318 |
| Net loans and leases to total assets | 55.6461% | 4,446 |
| Net loans and leases to deposits | 62.4860% | 4,847 |
| Net loans and leases to core deposits | 67.4754% | 4,733 |
| Total domestic deposits to total assets | 89.0538% | 1,664 |
| Equity capital to assets | 10.0549% | 4,060 |
| Core capital (leverage) ratio | 10.0639% | 3,294 |
| Tier 1 risk-based capital ratio | 17.5494% | 2,460 |
| Total risk-based capital ratio | 18.4835% | 2,556 |
| Memoranda: | ||
| Average total assets | $478,303,500 | 1,405 |
| Average earning assets | $457,291,000 | 1,353 |
| Average equity | $48,645,000 | 1,451 |
| Average total loans | $274,900,000 | 1,530 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9376% | 3,166 |
| Cost of funding earning assets | 0.9527% | 3,705 |
| Net interest margin | 3.9849% | 2,960 |
| Noninterest income to average assets | 0.6119% | 3,104 |
| Noninterest expense to average assets | 1.9534% | 6,758 |
| Loan and lease loss provision to assets | 0.0965% | 5,384 |
| Net operating income to assets | 1.5386% | 765 |
| Return on assets (ROA) | 1.5386% | 829 |
| Pretax return on assets | 2.3680% | 268 |
| Return on Equity (ROE) | 14.8976% | 758 |
| Retained earnings to average equity (ytd only) | 7.5535% | 1,253 |
| Net charge-offs to loans | 0.1716% | 4,785 |
| Credit loss provision to net charge-offs | 92.0000% | 3,922 |
| Earnings coverage of net charge-offs (x) | 23.5032% | 1,019 |
| Efficiency ratio | 44.2163% | 7,117 |
| Assets per employee ($millions) | 4.7135% | 2,574 |
| Cash dividends to net income (ytd only)* | 49.2970% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9098% | 6,513 |
| Loan loss allowance to noncurrent loans | 363.4006% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.2769% | 6,269 |
| Noncurrent loans to loans | 0.2503% | 6,233 |
| Net loans and leases to total assets | 58.2776% | 4,318 |
| Net loans and leases to deposits | 65.5917% | 4,787 |
| Net loans and leases to core deposits | 71.7962% | 4,554 |
| Total domestic deposits to total assets | 88.8489% | 1,637 |
| Equity capital to assets | 10.2891% | 3,796 |
| Core capital (leverage) ratio | 10.0699% | 3,257 |
| Tier 1 risk-based capital ratio | 17.2084% | 2,506 |
| Total risk-based capital ratio | 18.1261% | 2,621 |
| Memoranda: | ||
| Average total assets | $452,997,800 | 1,447 |
| Average earning assets | $432,657,600 | 1,399 |
| Average equity | $46,786,000 | 1,457 |
| Average total loans | $276,884,600 | 1,533 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9711% | 3,238 |
| Cost of funding earning assets | 0.9936% | 3,727 |
| Net interest margin | 3.9775% | 3,016 |
| Noninterest income to average assets | 0.5968% | 3,184 |
| Noninterest expense to average assets | 1.9387% | 6,810 |
| Loan and lease loss provision to assets | 0.0880% | 5,348 |
| Net operating income to assets | 1.4656% | 1,016 |
| Return on assets (ROA) | 1.4656% | 1,095 |
| Pretax return on assets | 2.3659% | 318 |
| Return on Equity (ROE) | 14.1763% | 1,004 |
| Retained earnings to average equity (ytd only) | 12.0134% | 497 |
| Net charge-offs to loans | 0.0776% | 5,195 |
| Credit loss provision to net charge-offs | 183.8509% | 1,607 |
| Earnings coverage of net charge-offs (x) | 51.2612% | 632 |
| Efficiency ratio | 44.1346% | 7,141 |
| Assets per employee ($millions) | 4.7692% | 2,525 |
| Cash dividends to net income (ytd only)* | 15.2566% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9575% | 6,428 |
| Loan loss allowance to noncurrent loans | 230.0341% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.2803% | 6,358 |
| Noncurrent loans to loans | 0.4162% | 6,009 |
| Net loans and leases to total assets | 59.6659% | 4,198 |
| Net loans and leases to deposits | 67.4069% | 4,702 |
| Net loans and leases to core deposits | 72.8525% | 4,598 |
| Total domestic deposits to total assets | 88.5160% | 1,749 |
| Equity capital to assets | 10.5700% | 3,616 |
| Core capital (leverage) ratio | 10.5490% | 2,812 |
| Tier 1 risk-based capital ratio | 17.2931% | 2,529 |
| Total risk-based capital ratio | 18.2657% | 2,598 |
| Memoranda: | ||
| Average total assets | $448,409,000 | 1,472 |
| Average earning assets | $427,930,500 | 1,423 |
| Average equity | $46,358,000 | 1,472 |
| Average total loans | $276,802,000 | 1,552 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9876% | 3,217 |
| Cost of funding earning assets | 1.0421% | 3,657 |
| Net interest margin | 3.9455% | 3,103 |
| Noninterest income to average assets | 0.6035% | 3,118 |
| Noninterest expense to average assets | 1.9865% | 6,820 |
| Loan and lease loss provision to assets | 0.0389% | 5,826 |
| Net operating income to assets | 1.4504% | 977 |
| Return on assets (ROA) | 1.4504% | 1,037 |
| Pretax return on assets | 2.3430% | 322 |
| Return on Equity (ROE) | 14.1410% | 950 |
| Retained earnings to average equity (ytd only) | 10.8241% | 696 |
| Net charge-offs to loans | 0.0945% | 4,732 |
| Credit loss provision to net charge-offs | 66.1538% | 4,169 |
| Earnings coverage of net charge-offs (x) | 40.5000% | 735 |
| Efficiency ratio | 45.4743% | 7,179 |
| Assets per employee ($millions) | 4.4653% | 2,900 |
| Cash dividends to net income (ytd only)* | 23.4560% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9055% | 6,641 |
| Loan loss allowance to noncurrent loans | 1,723.9726% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.1153% | 6,810 |
| Noncurrent loans to loans | 0.0525% | 6,854 |
| Net loans and leases to total assets | 60.4755% | 4,189 |
| Net loans and leases to deposits | 68.1260% | 4,688 |
| Net loans and leases to core deposits | 73.9441% | 4,587 |
| Total domestic deposits to total assets | 88.7700% | 1,683 |
| Equity capital to assets | 10.4084% | 3,629 |
| Core capital (leverage) ratio | 10.3370% | 2,898 |
| Tier 1 risk-based capital ratio | 16.8359% | 2,596 |
| Total risk-based capital ratio | 17.7530% | 2,699 |
| Memoranda: | ||
| Average total assets | $442,085,000 | 1,500 |
| Average earning assets | $421,843,670 | 1,447 |
| Average equity | $45,343,330 | 1,487 |
| Average total loans | $275,215,000 | 1,576 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9777% | 3,206 |
| Cost of funding earning assets | 1.0802% | 3,655 |
| Net interest margin | 3.8975% | 3,152 |
| Noninterest income to average assets | 0.6109% | 3,089 |
| Noninterest expense to average assets | 2.0147% | 6,807 |
| Loan and lease loss provision to assets | 0.0459% | 5,427 |
| Net operating income to assets | 1.4065% | 1,051 |
| Return on assets (ROA) | 1.4065% | 1,088 |
| Pretax return on assets | 2.2729% | 359 |
| Return on Equity (ROE) | 13.8202% | 1,025 |
| Retained earnings to average equity (ytd only) | 7.0320% | 2,135 |
| Net charge-offs to loans | 0.0088% | 4,980 |
| Credit loss provision to net charge-offs | 833.3333% | 458 |
| Earnings coverage of net charge-offs (x) | 420.6667% | 62 |
| Efficiency ratio | 46.4914% | 7,183 |
| Assets per employee ($millions) | 4.5086% | 2,873 |
| Cash dividends to net income (ytd only)* | 49.1182% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9512% | 6,539 |
| Loan loss allowance to noncurrent loans | 417.3077% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.2099% | 6,640 |
| Noncurrent loans to loans | 0.2279% | 6,522 |
| Net loans and leases to total assets | 60.7504% | 4,124 |
| Net loans and leases to deposits | 68.0565% | 4,674 |
| Net loans and leases to core deposits | 71.1244% | 4,915 |
| Total domestic deposits to total assets | 89.2647% | 1,602 |
| Equity capital to assets | 10.0034% | 3,767 |
| Core capital (leverage) ratio | 10.2953% | 2,807 |
| Tier 1 risk-based capital ratio | 16.4424% | 2,688 |
| Total risk-based capital ratio | 17.4038% | 2,798 |
| Memoranda: | ||
| Average total assets | $435,398,000 | 1,525 |
| Average earning assets | $415,853,500 | 1,472 |
| Average equity | $44,312,000 | 1,508 |
| Average total loans | $273,843,500 | 1,602 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2361% | 3,429 |
| Cost of funding earning assets | 1.2750% | 4,053 |
| Net interest margin | 3.9611% | 3,209 |
| Noninterest income to average assets | 0.6303% | 3,281 |
| Noninterest expense to average assets | 2.0131% | 6,999 |
| Loan and lease loss provision to assets | 0.1349% | 5,825 |
| Net operating income to assets | 1.4114% | 924 |
| Return on assets (ROA) | 1.4114% | 995 |
| Pretax return on assets | 2.2338% | 299 |
| Return on Equity (ROE) | 13.9864% | 881 |
| Retained earnings to average equity (ytd only) | 7.5416% | 1,133 |
| Net charge-offs to loans | 0.1975% | 5,108 |
| Credit loss provision to net charge-offs | 106.4338% | 4,195 |
| Earnings coverage of net charge-offs (x) | 18.6857% | 1,094 |
| Efficiency ratio | 45.9424% | 7,351 |
| Assets per employee ($millions) | 4.2873% | 3,236 |
| Cash dividends to net income (ytd only)* | 46.0789% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9346% | 6,626 |
| Loan loss allowance to noncurrent loans | 299.4152% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.2724% | 6,571 |
| Noncurrent loans to loans | 0.3121% | 6,431 |
| Net loans and leases to total assets | 63.9335% | 3,886 |
| Net loans and leases to deposits | 71.9525% | 4,528 |
| Net loans and leases to core deposits | 77.2773% | 4,554 |
| Total domestic deposits to total assets | 88.8551% | 1,741 |
| Equity capital to assets | 10.3603% | 3,322 |
| Core capital (leverage) ratio | 10.1122% | 2,964 |
| Tier 1 risk-based capital ratio | 16.3006% | 2,614 |
| Total risk-based capital ratio | 17.2547% | 2,708 |
| Memoranda: | ||
| Average total assets | $429,143,400 | 1,556 |
| Average earning assets | $406,429,000 | 1,495 |
| Average equity | $43,306,200 | 1,537 |
| Average total loans | $275,397,600 | 1,627 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2675% | 3,499 |
| Cost of funding earning assets | 1.3069% | 4,170 |
| Net interest margin | 3.9606% | 3,289 |
| Noninterest income to average assets | 0.6219% | 3,302 |
| Noninterest expense to average assets | 1.9898% | 7,068 |
| Loan and lease loss provision to assets | 0.1292% | 5,737 |
| Net operating income to assets | 1.3890% | 1,127 |
| Return on assets (ROA) | 1.3890% | 1,209 |
| Pretax return on assets | 2.2457% | 378 |
| Return on Equity (ROE) | 13.8555% | 1,064 |
| Retained earnings to average equity (ytd only) | 11.5314% | 520 |
| Net charge-offs to loans | 0.1402% | 5,178 |
| Credit loss provision to net charge-offs | 143.7931% | 2,733 |
| Earnings coverage of net charge-offs (x) | 26.4308% | 962 |
| Efficiency ratio | 45.5881% | 7,398 |
| Assets per employee ($millions) | 4.5079% | 2,894 |
| Cash dividends to net income (ytd only)* | 16.7745% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9566% | 6,546 |
| Loan loss allowance to noncurrent loans | 310.6557% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.2332% | 6,783 |
| Noncurrent loans to loans | 0.3079% | 6,577 |
| Net loans and leases to total assets | 63.4762% | 4,224 |
| Net loans and leases to deposits | 71.7141% | 4,878 |
| Net loans and leases to core deposits | 76.9306% | 4,933 |
| Total domestic deposits to total assets | 88.5129% | 1,665 |
| Equity capital to assets | 10.5489% | 3,468 |
| Core capital (leverage) ratio | 10.3095% | 2,901 |
| Tier 1 risk-based capital ratio | 16.6119% | 2,508 |
| Total risk-based capital ratio | 17.6085% | 2,564 |
| Memoranda: | ||
| Average total assets | $430,317,500 | 1,571 |
| Average earning assets | $406,661,000 | 1,521 |
| Average equity | $43,139,250 | 1,544 |
| Average total loans | $275,766,000 | 1,645 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2630% | 3,631 |
| Cost of funding earning assets | 1.3539% | 4,168 |
| Net interest margin | 3.9091% | 3,403 |
| Noninterest income to average assets | 0.6189% | 3,205 |
| Noninterest expense to average assets | 1.9930% | 7,123 |
| Loan and lease loss provision to assets | 0.1257% | 5,628 |
| Net operating income to assets | 1.3513% | 1,189 |
| Return on assets (ROA) | 1.3513% | 1,261 |
| Pretax return on assets | 2.1853% | 414 |
| Return on Equity (ROE) | 13.7204% | 1,093 |
| Retained earnings to average equity (ytd only) | 10.1650% | 811 |
| Net charge-offs to loans | 0.1192% | 4,989 |
| Credit loss provision to net charge-offs | 164.6341% | 2,389 |
| Earnings coverage of net charge-offs (x) | 30.2622% | 916 |
| Efficiency ratio | 46.3053% | 7,426 |
| Assets per employee ($millions) | 4.4435% | 2,977 |
| Cash dividends to net income (ytd only)* | 25.9132% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9516% | 6,595 |
| Loan loss allowance to noncurrent loans | 282.2961% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.3722% | 6,501 |
| Noncurrent loans to loans | 0.3371% | 6,557 |
| Net loans and leases to total assets | 62.8863% | 4,491 |
| Net loans and leases to deposits | 70.6976% | 5,178 |
| Net loans and leases to core deposits | 76.6580% | 5,121 |
| Total domestic deposits to total assets | 88.9511% | 1,468 |
| Equity capital to assets | 10.1009% | 3,889 |
| Core capital (leverage) ratio | 9.7819% | 3,430 |
| Tier 1 risk-based capital ratio | 15.7522% | 2,777 |
| Total risk-based capital ratio | 16.7242% | 2,876 |
| Memoranda: | ||
| Average total assets | $429,505,330 | 1,590 |
| Average earning assets | $404,898,330 | 1,528 |
| Average equity | $42,302,000 | 1,563 |
| Average total loans | $275,238,330 | 1,661 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2315% | 3,873 |
| Cost of funding earning assets | 1.4230% | 4,031 |
| Net interest margin | 3.8085% | 3,764 |
| Noninterest income to average assets | 0.6246% | 3,123 |
| Noninterest expense to average assets | 2.0107% | 7,140 |
| Loan and lease loss provision to assets | 0.0844% | 5,794 |
| Net operating income to assets | 1.3167% | 1,261 |
| Return on assets (ROA) | 1.3167% | 1,333 |
| Pretax return on assets | 2.1288% | 475 |
| Return on Equity (ROE) | 13.5456% | 1,133 |
| Retained earnings to average equity (ytd only) | 6.2904% | 2,471 |
| Net charge-offs to loans | 0.0932% | 4,485 |
| Credit loss provision to net charge-offs | 140.6250% | 2,521 |
| Earnings coverage of net charge-offs (x) | 36.8750% | 738 |
| Efficiency ratio | 47.6021% | 7,470 |
| Assets per employee ($millions) | 4.4754% | 2,999 |
| Cash dividends to net income (ytd only)* | 53.5613% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9279% | 6,746 |
| Loan loss allowance to noncurrent loans | 259.2480% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.5070% | 6,225 |
| Noncurrent loans to loans | 0.3579% | 6,587 |
| Net loans and leases to total assets | 62.7432% | 4,602 |
| Net loans and leases to deposits | 70.1567% | 5,323 |
| Net loans and leases to core deposits | 76.0425% | 5,252 |
| Total domestic deposits to total assets | 89.4329% | 1,278 |
| Equity capital to assets | 9.6687% | 4,273 |
| Core capital (leverage) ratio | 9.5956% | 3,647 |
| Tier 1 risk-based capital ratio | 15.2404% | 2,984 |
| Total risk-based capital ratio | 16.1854% | 3,098 |
| Memoranda: | ||
| Average total assets | $426,526,000 | 1,632 |
| Average earning assets | $403,095,000 | 1,578 |
| Average equity | $41,460,000 | 1,611 |
| Average total loans | $274,618,500 | 1,708 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5634% | 3,793 |
| Cost of funding earning assets | 1.7999% | 3,995 |
| Net interest margin | 3.7635% | 3,856 |
| Noninterest income to average assets | 0.7402% | 2,737 |
| Noninterest expense to average assets | 2.0640% | 7,258 |
| Loan and lease loss provision to assets | 0.1700% | 5,989 |
| Net operating income to assets | 1.3229% | 986 |
| Return on assets (ROA) | 1.3229% | 1,032 |
| Pretax return on assets | 2.0469% | 373 |
| Return on Equity (ROE) | 13.8971% | 800 |
| Retained earnings to average equity (ytd only) | 8.6195% | 565 |
| Net charge-offs to loans | 0.1521% | 5,742 |
| Credit loss provision to net charge-offs | 174.5050% | 2,411 |
| Earnings coverage of net charge-offs (x) | 22.7525% | 951 |
| Efficiency ratio | 48.2141% | 7,624 |
| Assets per employee ($millions) | 4.4099% | 3,092 |
| Cash dividends to net income (ytd only)* | 37.9763% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9205% | 6,734 |
| Loan loss allowance to noncurrent loans | 375.1857% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.4022% | 6,450 |
| Noncurrent loans to loans | 0.2453% | 6,810 |
| Net loans and leases to total assets | 64.8745% | 4,394 |
| Net loans and leases to deposits | 72.6411% | 5,240 |
| Net loans and leases to core deposits | 96.0704% | 4,462 |
| Total domestic deposits to total assets | 89.3083% | 1,325 |
| Equity capital to assets | 9.7739% | 4,038 |
| Core capital (leverage) ratio | 9.5773% | 3,631 |
| Tier 1 risk-based capital ratio | 15.0694% | 2,904 |
| Total risk-based capital ratio | 16.0091% | 3,025 |
| Memoranda: | ||
| Average total assets | $414,623,600 | 1,665 |
| Average earning assets | $390,087,800 | 1,620 |
| Average equity | $39,468,800 | 1,704 |
| Average total loans | $265,588,600 | 1,802 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5775% | 3,987 |
| Cost of funding earning assets | 1.8712% | 4,039 |
| Net interest margin | 3.7063% | 4,042 |
| Noninterest income to average assets | 0.7531% | 2,693 |
| Noninterest expense to average assets | 2.0415% | 7,309 |
| Loan and lease loss provision to assets | 0.1467% | 5,891 |
| Net operating income to assets | 1.2716% | 1,281 |
| Return on assets (ROA) | 1.2716% | 1,354 |
| Pretax return on assets | 2.0460% | 499 |
| Return on Equity (ROE) | 13.4492% | 1,023 |
| Retained earnings to average equity (ytd only) | 10.8848% | 485 |
| Net charge-offs to loans | 0.0886% | 5,798 |
| Credit loss provision to net charge-offs | 260.0000% | 1,643 |
| Earnings coverage of net charge-offs (x) | 38.8624% | 765 |
| Efficiency ratio | 48.2144% | 7,654 |
| Assets per employee ($millions) | 4.3947% | 3,046 |
| Cash dividends to net income (ytd only)* | 19.0669% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9113% | 6,713 |
| Loan loss allowance to noncurrent loans | 1,297.9275% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.3025% | 6,732 |
| Noncurrent loans to loans | 0.0702% | 7,322 |
| Net loans and leases to total assets | 64.5652% | 4,736 |
| Net loans and leases to deposits | 72.3177% | 5,598 |
| Net loans and leases to core deposits | 96.4144% | 4,764 |
| Total domestic deposits to total assets | 89.2798% | 1,069 |
| Equity capital to assets | 9.7538% | 4,416 |
| Core capital (leverage) ratio | 9.5492% | 3,844 |
| Tier 1 risk-based capital ratio | 14.9581% | 3,059 |
| Total risk-based capital ratio | 15.8883% | 3,154 |
| Memoranda: | ||
| Average total assets | $413,544,250 | 1,685 |
| Average earning assets | $388,407,000 | 1,642 |
| Average equity | $39,099,250 | 1,740 |
| Average total loans | $263,408,000 | 1,829 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5962% | 4,103 |
| Cost of funding earning assets | 1.9141% | 4,194 |
| Net interest margin | 3.6821% | 4,029 |
| Noninterest income to average assets | 0.7537% | 2,681 |
| Noninterest expense to average assets | 2.0255% | 7,418 |
| Loan and lease loss provision to assets | 0.1631% | 5,429 |
| Net operating income to assets | 1.2640% | 1,320 |
| Return on assets (ROA) | 1.2640% | 1,399 |
| Pretax return on assets | 2.0289% | 523 |
| Return on Equity (ROE) | 13.5153% | 1,065 |
| Retained earnings to average equity (ytd only) | 9.6002% | 799 |
| Net charge-offs to loans | 0.0955% | 5,221 |
| Credit loss provision to net charge-offs | 270.1613% | 1,727 |
| Earnings coverage of net charge-offs (x) | 36.3065% | 872 |
| Efficiency ratio | 48.0259% | 7,752 |
| Assets per employee ($millions) | 4.2209% | 3,255 |
| Cash dividends to net income (ytd only)* | 28.9676% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9068% | 6,739 |
| Loan loss allowance to noncurrent loans | 329.4993% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.1751% | 7,109 |
| Noncurrent loans to loans | 0.2752% | 6,834 |
| Net loans and leases to total assets | 63.0451% | 5,174 |
| Net loans and leases to deposits | 70.2997% | 5,960 |
| Net loans and leases to core deposits | 93.3037% | 5,198 |
| Total domestic deposits to total assets | 89.6806% | 966 |
| Equity capital to assets | 9.2654% | 4,922 |
| Core capital (leverage) ratio | 9.2848% | 4,189 |
| Tier 1 risk-based capital ratio | 14.5749% | 3,207 |
| Total risk-based capital ratio | 15.4865% | 3,318 |
| Memoranda: | ||
| Average total assets | $410,763,330 | 1,709 |
| Average earning assets | $386,405,670 | 1,678 |
| Average equity | $38,415,670 | 1,773 |
| Average total loans | $259,578,330 | 1,890 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6382% | 4,117 |
| Cost of funding earning assets | 1.9740% | 4,269 |
| Net interest margin | 3.6641% | 4,043 |
| Noninterest income to average assets | 0.7396% | 2,658 |
| Noninterest expense to average assets | 1.9432% | 7,459 |
| Loan and lease loss provision to assets | 0.1728% | 4,739 |
| Net operating income to assets | 1.2965% | 1,390 |
| Return on assets (ROA) | 1.2965% | 1,485 |
| Pretax return on assets | 2.0894% | 551 |
| Return on Equity (ROE) | 13.7958% | 1,205 |
| Retained earnings to average equity (ytd only) | 5.8945% | 2,680 |
| Net charge-offs to loans | 0.0894% | 4,275 |
| Credit loss provision to net charge-offs | 307.0175% | 1,584 |
| Earnings coverage of net charge-offs (x) | 40.1930% | 846 |
| Efficiency ratio | 46.2080% | 7,835 |
| Assets per employee ($millions) | 4.1848% | 3,284 |
| Cash dividends to net income (ytd only)* | 57.2734% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9018% | 6,742 |
| Loan loss allowance to noncurrent loans | 514.7253% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.1109% | 7,258 |
| Noncurrent loans to loans | 0.1752% | 7,024 |
| Net loans and leases to total assets | 62.7576% | 5,198 |
| Net loans and leases to deposits | 70.0648% | 5,971 |
| Net loans and leases to core deposits | 93.0344% | 5,255 |
| Total domestic deposits to total assets | 89.5708% | 982 |
| Equity capital to assets | 9.3551% | 4,859 |
| Core capital (leverage) ratio | 9.1856% | 4,429 |
| Tier 1 risk-based capital ratio | 14.3437% | 3,403 |
| Total risk-based capital ratio | 15.2360% | 3,518 |
| Memoranda: | ||
| Average total assets | $405,101,000 | 1,740 |
| Average earning assets | $383,172,500 | 1,701 |
| Average equity | $38,069,500 | 1,792 |
| Average total loans | $255,097,000 | 1,935 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1769% | 4,633 |
| Cost of funding earning assets | 2.5113% | 4,146 |
| Net interest margin | 3.6656% | 4,618 |
| Noninterest income to average assets | 0.7595% | 2,724 |
| Noninterest expense to average assets | 1.9989% | 7,445 |
| Loan and lease loss provision to assets | 0.0758% | 6,452 |
| Net operating income to assets | 1.3773% | 1,286 |
| Return on assets (ROA) | 1.3773% | 1,237 |
| Pretax return on assets | 2.1476% | 441 |
| Return on Equity (ROE) | 14.4172% | 1,027 |
| Retained earnings to average equity (ytd only) | 6.5466% | 1,322 |
| Net charge-offs to loans | 0.1476% | 4,734 |
| Credit loss provision to net charge-offs | 82.3864% | 5,854 |
| Earnings coverage of net charge-offs (x) | 24.1676% | 1,380 |
| Efficiency ratio | 47.3414% | 7,855 |
| Assets per employee ($millions) | 4.1247% | 3,262 |
| Cash dividends to net income (ytd only)* | 54.5920% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8879% | 6,741 |
| Loan loss allowance to noncurrent loans | 794.2857% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.0700% | 7,291 |
| Noncurrent loans to loans | 0.1118% | 7,082 |
| Net loans and leases to total assets | 62.0489% | 5,616 |
| Net loans and leases to deposits | 69.3933% | 6,336 |
| Net loans and leases to core deposits | 92.1640% | 5,620 |
| Total domestic deposits to total assets | 89.4162% | 874 |
| Equity capital to assets | 9.4410% | 4,764 |
| Core capital (leverage) ratio | 9.4692% | 4,054 |
| Tier 1 risk-based capital ratio | 14.6693% | 3,219 |
| Total risk-based capital ratio | 15.5489% | 3,318 |
| Memoranda: | ||
| Average total assets | $382,619,400 | 1,768 |
| Average earning assets | $361,444,400 | 1,718 |
| Average equity | $36,553,600 | 1,849 |
| Average total loans | $238,504,000 | 1,981 |