Home > First National Bank Colorado > Performance and Condition Ratios
First National Bank Colorado, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2135% | 1,635 |
| Cost of funding earning assets | 0.9163% | 3,482 |
| Net interest margin | 4.2972% | 817 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.0201% | 3,581 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.9301% | 513 |
| Return on assets (ROA) | 1.9177% | 497 |
| Pretax return on assets | 2.2909% | 441 |
| Return on Equity (ROE) | 23.5900% | 369 |
| Retained earnings to average equity (ytd only) | 11.1444% | 762 |
| Net charge-offs to loans | 0.0033% | 2,648 |
| Credit loss provision to net charge-offs | 2,727.2727% | 178 |
| Earnings coverage of net charge-offs (x) | 1,210.1818% | 133 |
| Efficiency ratio | 46.1336% | 4,188 |
| Assets per employee ($millions) | 7.4363% | 1,779 |
| Cash dividends to net income (ytd only)* | 52.7580% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9409% | 424 |
| Loan loss allowance to noncurrent loans | 20,378.1250% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 3,768 |
| Noncurrent loans to loans | 0.0095% | 3,702 |
| Net loans and leases to total assets | 56.0800% | 3,188 |
| Net loans and leases to deposits | 64.0445% | 3,285 |
| Net loans and leases to core deposits | 68.9172% | 3,360 |
| Total domestic deposits to total assets | 87.5600% | 1,501 |
| Equity capital to assets | 8.9139% | 2,735 |
| Core capital (leverage) ratio | 11.5989% | 1,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $564,366,800 | 1,568 |
| Average earning assets | $530,627,200 | 1,548 |
| Average equity | $45,879,600 | 1,714 |
| Average total loans | $334,705,400 | 1,666 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1566% | 1,533 |
| Cost of funding earning assets | 0.8212% | 3,470 |
| Net interest margin | 4.3353% | 765 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.0136% | 3,560 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 2.2703% | 340 |
| Return on assets (ROA) | 2.2559% | 337 |
| Pretax return on assets | 2.3418% | 455 |
| Return on Equity (ROE) | 28.4700% | 257 |
| Retained earnings to average equity (ytd only) | 11.2700% | 1,111 |
| Net charge-offs to loans | 0.0028% | 2,439 |
| Credit loss provision to net charge-offs | 3,214.2857% | 147 |
| Earnings coverage of net charge-offs (x) | 1,442.7143% | 108 |
| Efficiency ratio | 45.5139% | 4,158 |
| Assets per employee ($millions) | 6.9325% | 2,005 |
| Cash dividends to net income (ytd only)* | 60.4169% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9384% | 434 |
| Loan loss allowance to noncurrent loans | 17,394.7368% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 3,788 |
| Noncurrent loans to loans | 0.0111% | 3,716 |
| Net loans and leases to total assets | 61.0600% | 2,742 |
| Net loans and leases to deposits | 69.5987% | 2,868 |
| Net loans and leases to core deposits | 74.1286% | 2,990 |
| Total domestic deposits to total assets | 87.7300% | 1,657 |
| Equity capital to assets | 7.5247% | 3,341 |
| Core capital (leverage) ratio | 11.1007% | 1,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $558,592,500 | 1,583 |
| Average earning assets | $525,373,500 | 1,559 |
| Average equity | $44,258,000 | 1,740 |
| Average total loans | $334,389,250 | 1,664 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0025% | 1,564 |
| Cost of funding earning assets | 0.7190% | 3,429 |
| Net interest margin | 4.2835% | 827 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 1.9419% | 3,732 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 2.2857% | 313 |
| Return on assets (ROA) | 2.2642% | 314 |
| Pretax return on assets | 2.3567% | 428 |
| Return on Equity (ROE) | 28.1200% | 263 |
| Retained earnings to average equity (ytd only) | 11.9936% | 986 |
| Net charge-offs to loans | -0.0108% | 3,934 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 44.3929% | 4,237 |
| Assets per employee ($millions) | 7.2234% | 1,772 |
| Cash dividends to net income (ytd only)* | 57.3449% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9238% | 481 |
| Loan loss allowance to noncurrent loans | 218,666.6667% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 3,907 |
| Noncurrent loans to loans | 0.0009% | 3,835 |
| Net loans and leases to total assets | 59.3600% | 2,831 |
| Net loans and leases to deposits | 67.4670% | 2,952 |
| Net loans and leases to core deposits | 71.4594% | 3,042 |
| Total domestic deposits to total assets | 87.9800% | 1,607 |
| Equity capital to assets | 8.3237% | 3,005 |
| Core capital (leverage) ratio | 10.9587% | 1,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $562,235,000 | 1,574 |
| Average earning assets | $529,618,333 | 1,555 |
| Average equity | $45,274,000 | 1,717 |
| Average total loans | $332,185,333 | 1,661 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8597% | 1,489 |
| Cost of funding earning assets | 0.6053% | 3,369 |
| Net interest margin | 4.2544% | 870 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 1.8923% | 3,864 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 2.3549% | 296 |
| Return on assets (ROA) | 2.3439% | 302 |
| Pretax return on assets | 2.4065% | 408 |
| Return on Equity (ROE) | 29.6100% | 242 |
| Retained earnings to average equity (ytd only) | 12.9639% | 1,105 |
| Net charge-offs to loans | -0.0207% | 4,117 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 43.3654% | 4,331 |
| Assets per employee ($millions) | 7.3016% | 1,751 |
| Cash dividends to net income (ytd only)* | 56.2139% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9561% | 480 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 58.5600% | 2,815 |
| Net loans and leases to deposits | 64.9565% | 3,015 |
| Net loans and leases to core deposits | 68.2532% | 3,075 |
| Total domestic deposits to total assets | 90.1600% | 1,101 |
| Equity capital to assets | 8.3887% | 2,978 |
| Core capital (leverage) ratio | 10.6970% | 2,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $561,640,000 | 1,593 |
| Average earning assets | $529,990,500 | 1,570 |
| Average equity | $44,462,000 | 1,754 |
| Average total loans | $327,782,000 | 1,691 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1268% | 1,413 |
| Cost of funding earning assets | 0.2428% | 3,384 |
| Net interest margin | 3.8839% | 994 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 1.8894% | 3,848 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.9734% | 312 |
| Return on assets (ROA) | 1.5970% | 664 |
| Pretax return on assets | 1.6607% | 1,016 |
| Return on Equity (ROE) | 19.9200% | 489 |
| Retained earnings to average equity (ytd only) | 10.0950% | 1,118 |
| Net charge-offs to loans | -0.0007% | 3,323 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 47.4198% | 4,281 |
| Assets per employee ($millions) | 7.0168% | 1,962 |
| Cash dividends to net income (ytd only)* | 49.3276% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8180% | 636 |
| Loan loss allowance to noncurrent loans | 13,702.3256% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 3,830 |
| Noncurrent loans to loans | 0.0133% | 3,739 |
| Net loans and leases to total assets | 55.9900% | 3,033 |
| Net loans and leases to deposits | 60.5313% | 3,298 |
| Net loans and leases to core deposits | 62.7458% | 3,346 |
| Total domestic deposits to total assets | 92.4900% | 523 |
| Equity capital to assets | 7.4553% | 3,405 |
| Core capital (leverage) ratio | 10.3870% | 2,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $568,057,600 | 1,566 |
| Average earning assets | $536,593,000 | 1,534 |
| Average equity | $45,537,400 | 1,740 |
| Average total loans | $306,392,400 | 1,698 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9621% | 1,342 |
| Cost of funding earning assets | 0.1895% | 3,399 |
| Net interest margin | 3.7726% | 992 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 1.8589% | 3,844 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.9071% | 343 |
| Return on assets (ROA) | 1.9021% | 340 |
| Pretax return on assets | 1.9702% | 491 |
| Return on Equity (ROE) | 23.3200% | 244 |
| Retained earnings to average equity (ytd only) | 10.4411% | 1,214 |
| Net charge-offs to loans | 0.0031% | 2,121 |
| Credit loss provision to net charge-offs | 2,571.4286% | 200 |
| Earnings coverage of net charge-offs (x) | 1,227.8571% | 115 |
| Efficiency ratio | 47.9533% | 4,275 |
| Assets per employee ($millions) | 7.1154% | 1,870 |
| Cash dividends to net income (ytd only)* | 55.2265% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7711% | 766 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 57.4600% | 2,759 |
| Net loans and leases to deposits | 61.6294% | 3,052 |
| Net loans and leases to core deposits | 63.9028% | 3,125 |
| Total domestic deposits to total assets | 93.2400% | 519 |
| Equity capital to assets | 6.1000% | 3,923 |
| Core capital (leverage) ratio | 10.2334% | 2,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $567,982,500 | 1,574 |
| Average earning assets | $536,907,250 | 1,549 |
| Average equity | $46,328,500 | 1,740 |
| Average total loans | $301,967,250 | 1,705 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7866% | 1,348 |
| Cost of funding earning assets | 0.1695% | 3,322 |
| Net interest margin | 3.6171% | 1,042 |
| Noninterest income to average assets | 0.3074% | 3,322 |
| Noninterest expense to average assets | 1.8346% | 3,878 |
| Loan and lease loss provision to assets | 0.0421% | 1,814 |
| Net operating income to assets | 1.7862% | 349 |
| Return on assets (ROA) | 1.7862% | 344 |
| Pretax return on assets | 1.8528% | 528 |
| Return on Equity (ROE) | 20.2218% | 292 |
| Retained earnings to average equity (ytd only) | 11.0843% | 773 |
| Net charge-offs to loans | -0.0007% | 3,005 |
| Credit loss provision to net charge-offs | -12,000.0000% | 3,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1908% | 4,299 |
| Assets per employee ($millions) | 6.9366% | 1,981 |
| Cash dividends to net income (ytd only)* | 45.1866% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8718% | 707 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 54.5275% | 2,908 |
| Net loans and leases to deposits | 59.0601% | 3,127 |
| Net loans and leases to core deposits | 61.3305% | 3,175 |
| Total domestic deposits to total assets | 92.3254% | 715 |
| Equity capital to assets | 7.5291% | 3,452 |
| Core capital (leverage) ratio | 10.2285% | 2,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $569,938,667 | 1,575 |
| Average earning assets | $539,220,333 | 1,553 |
| Average equity | $50,341,667 | 1,676 |
| Average total loans | $293,011,667 | 1,740 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5784% | 1,566 |
| Cost of funding earning assets | 0.1610% | 3,353 |
| Net interest margin | 3.4174% | 1,263 |
| Noninterest income to average assets | 0.2923% | 3,374 |
| Noninterest expense to average assets | 1.7837% | 3,975 |
| Loan and lease loss provision to assets | 0.0416% | 1,606 |
| Net operating income to assets | 1.6133% | 492 |
| Return on assets (ROA) | 1.6133% | 491 |
| Pretax return on assets | 1.7020% | 679 |
| Return on Equity (ROE) | 17.0554% | 417 |
| Retained earnings to average equity (ytd only) | 5.3385% | 2,464 |
| Net charge-offs to loans | -0.0014% | 3,054 |
| Credit loss provision to net charge-offs | -6,000.0000% | 3,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5695% | 4,287 |
| Assets per employee ($millions) | 7.4404% | 1,722 |
| Cash dividends to net income (ytd only)* | 68.6990% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9668% | 656 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 49.0483% | 3,274 |
| Net loans and leases to deposits | 53.5976% | 3,448 |
| Net loans and leases to core deposits | 55.6466% | 3,476 |
| Total domestic deposits to total assets | 91.5122% | 800 |
| Equity capital to assets | 8.3894% | 3,249 |
| Core capital (leverage) ratio | 9.8775% | 2,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $577,445,500 | 1,564 |
| Average earning assets | $546,611,000 | 1,542 |
| Average equity | $54,622,000 | 1,608 |
| Average total loans | $285,338,000 | 1,765 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1041% | 1,152 |
| Cost of funding earning assets | 0.2102% | 3,366 |
| Net interest margin | 3.8939% | 859 |
| Noninterest income to average assets | 0.3223% | 3,478 |
| Noninterest expense to average assets | 2.0265% | 3,593 |
| Loan and lease loss provision to assets | 0.0345% | 2,367 |
| Net operating income to assets | 1.9318% | 383 |
| Return on assets (ROA) | 2.0519% | 325 |
| Pretax return on assets | 2.0519% | 554 |
| Return on Equity (ROE) | 18.4092% | 430 |
| Retained earnings to average equity (ytd only) | 8.4929% | 1,344 |
| Net charge-offs to loans | -0.0004% | 3,213 |
| Credit loss provision to net charge-offs | -18,000.0000% | 4,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7550% | 4,225 |
| Assets per employee ($millions) | 7.0931% | 1,866 |
| Cash dividends to net income (ytd only)* | 53.8662% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0156% | 589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 47.8056% | 3,512 |
| Net loans and leases to deposits | 53.4664% | 3,631 |
| Net loans and leases to core deposits | 55.6024% | 3,652 |
| Total domestic deposits to total assets | 89.4126% | 1,292 |
| Equity capital to assets | 10.5399% | 2,134 |
| Core capital (leverage) ratio | 10.2227% | 2,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $522,479,200 | 1,644 |
| Average earning assets | $492,486,800 | 1,630 |
| Average equity | $58,237,200 | 1,550 |
| Average total loans | $283,654,600 | 1,773 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2696% | 1,005 |
| Cost of funding earning assets | 0.2236% | 3,390 |
| Net interest margin | 4.0461% | 718 |
| Noninterest income to average assets | 0.3324% | 3,444 |
| Noninterest expense to average assets | 2.0978% | 3,372 |
| Loan and lease loss provision to assets | 0.0353% | 2,295 |
| Net operating income to assets | 2.0073% | 456 |
| Return on assets (ROA) | 2.1716% | 361 |
| Pretax return on assets | 2.1716% | 580 |
| Return on Equity (ROE) | 19.1887% | 493 |
| Retained earnings to average equity (ytd only) | 5.8343% | 2,903 |
| Net charge-offs to loans | -0.0009% | 3,117 |
| Credit loss provision to net charge-offs | -6,750.0000% | 4,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6668% | 4,153 |
| Assets per employee ($millions) | 6.3705% | 2,356 |
| Cash dividends to net income (ytd only)* | 69.5951% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9337% | 725 |
| Loan loss allowance to noncurrent loans | 28,030.0000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 4,237 |
| Noncurrent loans to loans | 0.0069% | 4,154 |
| Net loans and leases to total assets | 53.7689% | 2,993 |
| Net loans and leases to deposits | 60.5636% | 3,179 |
| Net loans and leases to core deposits | 63.1917% | 3,203 |
| Total domestic deposits to total assets | 88.7810% | 1,412 |
| Equity capital to assets | 11.0407% | 1,986 |
| Core capital (leverage) ratio | 10.3230% | 2,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $509,464,250 | 1,694 |
| Average earning assets | $479,500,250 | 1,681 |
| Average equity | $57,657,500 | 1,590 |
| Average total loans | $284,490,250 | 1,800 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2234% | 1,143 |
| Cost of funding earning assets | 0.2381% | 3,400 |
| Net interest margin | 3.9853% | 848 |
| Noninterest income to average assets | 0.3256% | 3,476 |
| Noninterest expense to average assets | 2.1430% | 3,263 |
| Loan and lease loss provision to assets | 0.0358% | 2,280 |
| Net operating income to assets | 1.8929% | 598 |
| Return on assets (ROA) | 2.1426% | 391 |
| Pretax return on assets | 2.1426% | 632 |
| Return on Equity (ROE) | 18.7713% | 562 |
| Retained earnings to average equity (ytd only) | 6.5799% | 2,591 |
| Net charge-offs to loans | -0.0007% | 3,055 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6316% | 3,974 |
| Assets per employee ($millions) | 6.2380% | 2,399 |
| Cash dividends to net income (ytd only)* | 64.9471% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9508% | 670 |
| Loan loss allowance to noncurrent loans | 27,800.0000% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 4,300 |
| Noncurrent loans to loans | 0.0070% | 4,209 |
| Net loans and leases to total assets | 53.9748% | 3,130 |
| Net loans and leases to deposits | 60.8942% | 3,311 |
| Net loans and leases to core deposits | 63.5132% | 3,335 |
| Total domestic deposits to total assets | 88.6370% | 1,483 |
| Equity capital to assets | 11.2631% | 1,785 |
| Core capital (leverage) ratio | 10.4403% | 2,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $503,034,000 | 1,703 |
| Average earning assets | $472,839,333 | 1,689 |
| Average equity | $57,417,333 | 1,587 |
| Average total loans | $282,683,000 | 1,818 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0149% | 1,579 |
| Cost of funding earning assets | 0.2513% | 3,468 |
| Net interest margin | 3.7637% | 1,213 |
| Noninterest income to average assets | 0.3236% | 3,477 |
| Noninterest expense to average assets | 2.2281% | 3,014 |
| Loan and lease loss provision to assets | 0.0363% | 2,289 |
| Net operating income to assets | 1.5889% | 1,148 |
| Return on assets (ROA) | 2.0957% | 535 |
| Pretax return on assets | 2.0957% | 812 |
| Return on Equity (ROE) | 18.2346% | 701 |
| Retained earnings to average equity (ytd only) | 3.4896% | 3,637 |
| Net charge-offs to loans | -0.0014% | 3,076 |
| Credit loss provision to net charge-offs | -4,500.0000% | 3,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8220% | 3,331 |
| Assets per employee ($millions) | 6.1216% | 2,474 |
| Cash dividends to net income (ytd only)* | 80.8625% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9066% | 735 |
| Loan loss allowance to noncurrent loans | 12,534.0909% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 4,322 |
| Noncurrent loans to loans | 0.0152% | 4,226 |
| Net loans and leases to total assets | 56.5241% | 2,977 |
| Net loans and leases to deposits | 63.6987% | 3,153 |
| Net loans and leases to core deposits | 66.7106% | 3,183 |
| Total domestic deposits to total assets | 88.7367% | 1,478 |
| Equity capital to assets | 11.1848% | 1,732 |
| Core capital (leverage) ratio | 10.5495% | 2,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $495,675,500 | 1,713 |
| Average earning assets | $464,865,500 | 1,700 |
| Average equity | $56,968,500 | 1,585 |
| Average total loans | $281,517,000 | 1,826 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6275% | 1,050 |
| Cost of funding earning assets | 0.4179% | 3,475 |
| Net interest margin | 4.2096% | 621 |
| Noninterest income to average assets | 0.3166% | 3,565 |
| Noninterest expense to average assets | 2.1136% | 3,906 |
| Loan and lease loss provision to assets | 0.0276% | 4,058 |
| Net operating income to assets | 2.1191% | 211 |
| Return on assets (ROA) | 2.1616% | 206 |
| Pretax return on assets | 2.1616% | 317 |
| Return on Equity (ROE) | 17.6043% | 360 |
| Retained earnings to average equity (ytd only) | 7.5062% | 1,196 |
| Net charge-offs to loans | -0.0048% | 4,117 |
| Credit loss provision to net charge-offs | -923.0769% | 4,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6119% | 4,559 |
| Assets per employee ($millions) | 6.0417% | 2,302 |
| Cash dividends to net income (ytd only)* | 57.3614% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9972% | 590 |
| Loan loss allowance to noncurrent loans | 27,340.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 4,441 |
| Noncurrent loans to loans | 0.0073% | 4,362 |
| Net loans and leases to total assets | 54.8278% | 3,408 |
| Net loans and leases to deposits | 63.7509% | 3,458 |
| Net loans and leases to core deposits | 66.9464% | 3,475 |
| Total domestic deposits to total assets | 86.0032% | 2,364 |
| Equity capital to assets | 11.8093% | 1,676 |
| Core capital (leverage) ratio | 10.8070% | 1,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $435,507,600 | 1,745 |
| Average earning assets | $407,993,400 | 1,738 |
| Average equity | $53,475,600 | 1,593 |
| Average total loans | $270,381,000 | 1,826 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7180% | 1,022 |
| Cost of funding earning assets | 0.4443% | 3,555 |
| Net interest margin | 4.2737% | 621 |
| Noninterest income to average assets | 0.3213% | 3,558 |
| Noninterest expense to average assets | 2.1419% | 3,844 |
| Loan and lease loss provision to assets | 0.0284% | 3,976 |
| Net operating income to assets | 2.1593% | 219 |
| Return on assets (ROA) | 2.2177% | 217 |
| Pretax return on assets | 2.2177% | 329 |
| Return on Equity (ROE) | 17.8633% | 371 |
| Retained earnings to average equity (ytd only) | 4.1223% | 2,985 |
| Net charge-offs to loans | -0.0089% | 4,196 |
| Credit loss provision to net charge-offs | -500.0000% | 3,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4710% | 4,530 |
| Assets per employee ($millions) | 5.8970% | 2,353 |
| Cash dividends to net income (ytd only)* | 76.9231% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8724% | 618 |
| Loan loss allowance to noncurrent loans | 27,220.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 4,508 |
| Noncurrent loans to loans | 0.0069% | 4,425 |
| Net loans and leases to total assets | 61.2419% | 3,089 |
| Net loans and leases to deposits | 71.3589% | 3,191 |
| Net loans and leases to core deposits | 75.1663% | 3,228 |
| Total domestic deposits to total assets | 85.8223% | 2,141 |
| Equity capital to assets | 11.7253% | 1,859 |
| Core capital (leverage) ratio | 10.8716% | 1,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $422,040,500 | 1,770 |
| Average earning assets | $395,839,750 | 1,762 |
| Average equity | $52,396,500 | 1,608 |
| Average total loans | $269,530,750 | 1,819 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8274% | 1,105 |
| Cost of funding earning assets | 0.4694% | 3,706 |
| Net interest margin | 4.3580% | 663 |
| Noninterest income to average assets | 0.3284% | 3,503 |
| Noninterest expense to average assets | 2.1918% | 3,809 |
| Loan and lease loss provision to assets | 0.0295% | 3,883 |
| Net operating income to assets | 2.2001% | 221 |
| Return on assets (ROA) | 2.2767% | 219 |
| Pretax return on assets | 2.2767% | 317 |
| Return on Equity (ROE) | 17.9580% | 374 |
| Retained earnings to average equity (ytd only) | 4.9870% | 2,478 |
| Net charge-offs to loans | -0.0122% | 4,263 |
| Credit loss provision to net charge-offs | -375.0000% | 3,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5726% | 4,524 |
| Assets per employee ($millions) | 5.6179% | 2,526 |
| Cash dividends to net income (ytd only)* | 72.2294% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9232% | 508 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.1095% | 3,979 |
| Noncurrent loans to loans | 0.1748% | 3,749 |
| Net loans and leases to total assets | 61.4109% | 3,175 |
| Net loans and leases to deposits | 71.7939% | 3,279 |
| Net loans and leases to core deposits | 75.8787% | 3,291 |
| Total domestic deposits to total assets | 85.5378% | 2,183 |
| Equity capital to assets | 11.9877% | 1,668 |
| Core capital (leverage) ratio | 11.1979% | 1,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $407,432,000 | 1,787 |
| Average earning assets | $382,649,667 | 1,774 |
| Average equity | $51,654,000 | 1,617 |
| Average total loans | $262,458,000 | 1,834 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8784% | 1,250 |
| Cost of funding earning assets | 0.5086% | 3,906 |
| Net interest margin | 4.3699% | 664 |
| Noninterest income to average assets | 0.3488% | 3,430 |
| Noninterest expense to average assets | 2.2120% | 3,978 |
| Loan and lease loss provision to assets | 0.0311% | 3,383 |
| Net operating income to assets | 2.2058% | 179 |
| Return on assets (ROA) | 2.3476% | 158 |
| Pretax return on assets | 2.3476% | 221 |
| Return on Equity (ROE) | 17.9491% | 270 |
| Retained earnings to average equity (ytd only) | -2.6275% | 4,313 |
| Net charge-offs to loans | -0.0174% | 4,286 |
| Credit loss provision to net charge-offs | -272.7273% | 3,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7208% | 4,686 |
| Assets per employee ($millions) | 5.3480% | 2,276 |
| Cash dividends to net income (ytd only)* | 114.6384% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1022% | 433 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 63.2839% | 3,156 |
| Net loans and leases to deposits | 75.0330% | 3,168 |
| Net loans and leases to core deposits | 79.7152% | 3,221 |
| Total domestic deposits to total assets | 84.3414% | 2,653 |
| Equity capital to assets | 12.8917% | 1,495 |
| Core capital (leverage) ratio | 12.3181% | 1,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $386,434,000 | 1,817 |
| Average earning assets | $362,575,000 | 1,807 |
| Average equity | $50,543,000 | 1,651 |
| Average total loans | $252,982,000 | 1,843 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1211% | 1,174 |
| Cost of funding earning assets | 0.4862% | 4,151 |
| Net interest margin | 4.6348% | 536 |
| Noninterest income to average assets | 0.3738% | 3,460 |
| Noninterest expense to average assets | 2.2422% | 4,081 |
| Loan and lease loss provision to assets | 0.0267% | 3,474 |
| Net operating income to assets | 2.4549% | 142 |
| Return on assets (ROA) | 2.5163% | 140 |
| Pretax return on assets | 2.5163% | 205 |
| Return on Equity (ROE) | 20.1025% | 210 |
| Retained earnings to average equity (ytd only) | 9.6969% | 549 |
| Net charge-offs to loans | -0.0016% | 4,208 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4661% | 4,860 |
| Assets per employee ($millions) | 5.0962% | 2,458 |
| Cash dividends to net income (ytd only)* | 51.7626% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1332% | 377 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 64.9144% | 3,085 |
| Net loans and leases to deposits | 74.9064% | 3,271 |
| Net loans and leases to core deposits | 79.6717% | 3,323 |
| Total domestic deposits to total assets | 86.6607% | 1,775 |
| Equity capital to assets | 13.2762% | 1,378 |
| Core capital (leverage) ratio | 12.3409% | 1,570 |
| Tier 1 risk-based capital ratio | 16.2348% | 2,321 |
| Total risk-based capital ratio | 17.4922% | 2,262 |
| Memoranda: | ||
| Average total assets | $374,277,000 | 1,825 |
| Average earning assets | $351,275,600 | 1,811 |
| Average equity | $46,849,800 | 1,693 |
| Average total loans | $252,535,000 | 1,809 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1368% | 1,189 |
| Cost of funding earning assets | 0.4739% | 4,248 |
| Net interest margin | 4.6629% | 535 |
| Noninterest income to average assets | 0.3726% | 3,483 |
| Noninterest expense to average assets | 2.2214% | 4,144 |
| Loan and lease loss provision to assets | 0.0321% | 3,263 |
| Net operating income to assets | 2.4980% | 163 |
| Return on assets (ROA) | 2.5637% | 155 |
| Pretax return on assets | 2.5637% | 219 |
| Return on Equity (ROE) | 20.7992% | 207 |
| Retained earnings to average equity (ytd only) | 6.6831% | 2,019 |
| Net charge-offs to loans | -0.0016% | 4,038 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7513% | 4,903 |
| Assets per employee ($millions) | 5.0964% | 2,451 |
| Cash dividends to net income (ytd only)* | 67.8686% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0298% | 433 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 67.2411% | 2,892 |
| Net loans and leases to deposits | 77.1226% | 3,187 |
| Net loans and leases to core deposits | 81.6130% | 3,274 |
| Total domestic deposits to total assets | 87.1873% | 1,437 |
| Equity capital to assets | 12.5979% | 1,840 |
| Core capital (leverage) ratio | 11.7869% | 2,005 |
| Tier 1 risk-based capital ratio | 15.2809% | 2,723 |
| Total risk-based capital ratio | 16.5381% | 2,651 |
| Memoranda: | ||
| Average total assets | $373,566,750 | 1,845 |
| Average earning assets | $350,817,250 | 1,829 |
| Average equity | $46,045,500 | 1,718 |
| Average total loans | $253,133,750 | 1,825 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0998% | 1,220 |
| Cost of funding earning assets | 0.4611% | 4,279 |
| Net interest margin | 4.6387% | 567 |
| Noninterest income to average assets | 0.3604% | 3,518 |
| Noninterest expense to average assets | 2.2122% | 4,197 |
| Loan and lease loss provision to assets | 0.0324% | 3,186 |
| Net operating income to assets | 2.4744% | 160 |
| Return on assets (ROA) | 2.5569% | 146 |
| Pretax return on assets | 2.5569% | 218 |
| Return on Equity (ROE) | 20.9029% | 207 |
| Retained earnings to average equity (ytd only) | 10.3169% | 670 |
| Net charge-offs to loans | 0.0112% | 2,731 |
| Credit loss provision to net charge-offs | 428.5714% | 669 |
| Earnings coverage of net charge-offs (x) | 331.8571% | 234 |
| Efficiency ratio | 46.8786% | 4,945 |
| Assets per employee ($millions) | 5.0965% | 2,367 |
| Cash dividends to net income (ytd only)* | 50.6436% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0402% | 440 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 67.1961% | 2,938 |
| Net loans and leases to deposits | 77.0453% | 3,244 |
| Net loans and leases to core deposits | 81.1742% | 3,326 |
| Total domestic deposits to total assets | 87.2163% | 1,487 |
| Equity capital to assets | 12.6541% | 1,774 |
| Core capital (leverage) ratio | 11.8685% | 1,902 |
| Tier 1 risk-based capital ratio | 15.9833% | 2,421 |
| Total risk-based capital ratio | 17.2412% | 2,359 |
| Memoranda: | ||
| Average total assets | $370,679,330 | 1,867 |
| Average earning assets | $348,287,000 | 1,844 |
| Average equity | $45,343,000 | 1,738 |
| Average total loans | $250,065,000 | 1,841 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0637% | 1,184 |
| Cost of funding earning assets | 0.4479% | 4,295 |
| Net interest margin | 4.6158% | 593 |
| Noninterest income to average assets | 0.3473% | 3,537 |
| Noninterest expense to average assets | 2.1892% | 4,279 |
| Loan and lease loss provision to assets | 0.0327% | 2,975 |
| Net operating income to assets | 2.4668% | 171 |
| Return on assets (ROA) | 2.5005% | 172 |
| Pretax return on assets | 2.5005% | 250 |
| Return on Equity (ROE) | 20.8097% | 225 |
| Retained earnings to average equity (ytd only) | 4.5026% | 3,120 |
| Net charge-offs to loans | 0.0033% | 2,623 |
| Credit loss provision to net charge-offs | 1,500.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 1,148.0000% | 43 |
| Efficiency ratio | 46.6914% | 4,994 |
| Assets per employee ($millions) | 5.2572% | 2,219 |
| Cash dividends to net income (ytd only)* | 78.3631% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1150% | 410 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 65.2183% | 3,146 |
| Net loans and leases to deposits | 74.2526% | 3,433 |
| Net loans and leases to core deposits | 78.1769% | 3,501 |
| Total domestic deposits to total assets | 87.8329% | 1,432 |
| Equity capital to assets | 12.0615% | 1,987 |
| Core capital (leverage) ratio | 11.6713% | 2,006 |
| Tier 1 risk-based capital ratio | 15.6313% | 2,593 |
| Total risk-based capital ratio | 16.8895% | 2,512 |
| Memoranda: | ||
| Average total assets | $367,447,000 | 1,888 |
| Average earning assets | $345,595,000 | 1,868 |
| Average equity | $44,152,500 | 1,775 |
| Average total loans | $245,745,500 | 1,886 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0116% | 1,020 |
| Cost of funding earning assets | 0.4343% | 3,777 |
| Net interest margin | 4.5773% | 637 |
| Noninterest income to average assets | 0.5412% | 2,604 |
| Noninterest expense to average assets | 2.2856% | 4,155 |
| Loan and lease loss provision to assets | 0.0285% | 3,601 |
| Net operating income to assets | 2.5231% | 145 |
| Return on assets (ROA) | 2.5034% | 148 |
| Pretax return on assets | 2.5034% | 206 |
| Return on Equity (ROE) | 21.3196% | 182 |
| Retained earnings to average equity (ytd only) | 6.3691% | 1,994 |
| Net charge-offs to loans | 0.0008% | 3,754 |
| Credit loss provision to net charge-offs | 5,000.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 4,469.5000% | 12 |
| Efficiency ratio | 47.2501% | 5,076 |
| Assets per employee ($millions) | 5.1662% | 2,312 |
| Cash dividends to net income (ytd only)* | 70.1254% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1549% | 363 |
| Loan loss allowance to noncurrent loans | 13,080.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 4,845 |
| Noncurrent loans to loans | 0.0165% | 4,722 |
| Net loans and leases to total assets | 65.6922% | 3,174 |
| Net loans and leases to deposits | 74.6747% | 3,447 |
| Net loans and leases to core deposits | 78.6081% | 3,530 |
| Total domestic deposits to total assets | 87.9712% | 1,309 |
| Equity capital to assets | 11.9691% | 1,920 |
| Core capital (leverage) ratio | 11.8502% | 1,831 |
| Tier 1 risk-based capital ratio | 15.9418% | 2,426 |
| Total risk-based capital ratio | 17.2006% | 2,363 |
| Memoranda: | ||
| Average total assets | $350,325,000 | 1,919 |
| Average earning assets | $328,798,400 | 1,895 |
| Average equity | $41,135,800 | 1,810 |
| Average total loans | $246,323,000 | 1,843 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9917% | 956 |
| Cost of funding earning assets | 0.4254% | 3,692 |
| Net interest margin | 4.5663% | 641 |
| Noninterest income to average assets | 0.5947% | 2,336 |
| Noninterest expense to average assets | 2.3094% | 4,071 |
| Loan and lease loss provision to assets | 0.0384% | 3,236 |
| Net operating income to assets | 2.5346% | 149 |
| Return on assets (ROA) | 2.5346% | 148 |
| Pretax return on assets | 2.5346% | 213 |
| Return on Equity (ROE) | 21.6947% | 181 |
| Retained earnings to average equity (ytd only) | 1.4975% | 4,729 |
| Net charge-offs to loans | 0.0022% | 3,412 |
| Credit loss provision to net charge-offs | 2,500.0000% | 167 |
| Earnings coverage of net charge-offs (x) | 1,677.5066% | 42 |
| Efficiency ratio | 47.3006% | 5,085 |
| Assets per employee ($millions) | 5.1103% | 2,328 |
| Cash dividends to net income (ytd only)* | 93.0972% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1550% | 391 |
| Loan loss allowance to noncurrent loans | 10,460.0000% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 4,934 |
| Noncurrent loans to loans | 0.0206% | 4,818 |
| Net loans and leases to total assets | 66.3804% | 3,135 |
| Net loans and leases to deposits | 74.9968% | 3,509 |
| Net loans and leases to core deposits | 78.6363% | 3,610 |
| Total domestic deposits to total assets | 88.5109% | 1,044 |
| Equity capital to assets | 11.2618% | 2,421 |
| Core capital (leverage) ratio | 11.3352% | 2,303 |
| Tier 1 risk-based capital ratio | 15.0528% | 2,860 |
| Total risk-based capital ratio | 16.3114% | 2,779 |
| Memoranda: | ||
| Average total assets | $347,498,250 | 1,937 |
| Average earning assets | $326,292,250 | 1,915 |
| Average equity | $40,598,750 | 1,834 |
| Average total loans | $247,204,750 | 1,848 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9544% | 908 |
| Cost of funding earning assets | 0.4136% | 3,616 |
| Net interest margin | 4.5407% | 637 |
| Noninterest income to average assets | 0.6981% | 1,878 |
| Noninterest expense to average assets | 2.3110% | 4,121 |
| Loan and lease loss provision to assets | 0.0581% | 2,739 |
| Net operating income to assets | 2.5912% | 131 |
| Return on assets (ROA) | 2.5912% | 133 |
| Pretax return on assets | 2.5912% | 195 |
| Return on Equity (ROE) | 21.9050% | 169 |
| Retained earnings to average equity (ytd only) | -1.4348% | 5,108 |
| Net charge-offs to loans | -0.0048% | 4,095 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5901% | 5,186 |
| Assets per employee ($millions) | 4.7844% | 2,702 |
| Cash dividends to net income (ytd only)* | 106.5500% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1024% | 441 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 69.8619% | 2,598 |
| Net loans and leases to deposits | 79.1726% | 3,036 |
| Net loans and leases to core deposits | 83.3874% | 3,130 |
| Total domestic deposits to total assets | 88.2400% | 1,253 |
| Equity capital to assets | 11.5075% | 2,194 |
| Core capital (leverage) ratio | 11.3989% | 2,158 |
| Tier 1 risk-based capital ratio | 14.6063% | 3,065 |
| Total risk-based capital ratio | 15.8648% | 2,977 |
| Memoranda: | ||
| Average total assets | $344,090,000 | 1,955 |
| Average earning assets | $322,987,000 | 1,935 |
| Average equity | $40,703,000 | 1,834 |
| Average total loans | $248,710,330 | 1,841 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9397% | 798 |
| Cost of funding earning assets | 0.3996% | 3,589 |
| Net interest margin | 4.5401% | 566 |
| Noninterest income to average assets | 0.9757% | 966 |
| Noninterest expense to average assets | 2.3473% | 4,068 |
| Loan and lease loss provision to assets | 0.0703% | 2,357 |
| Net operating income to assets | 2.8169% | 89 |
| Return on assets (ROA) | 2.8169% | 89 |
| Pretax return on assets | 2.8169% | 132 |
| Return on Equity (ROE) | 23.4869% | 119 |
| Retained earnings to average equity (ytd only) | -5.8107% | 5,242 |
| Net charge-offs to loans | -0.0225% | 4,616 |
| Credit loss provision to net charge-offs | -428.5714% | 3,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8422% | 5,325 |
| Assets per employee ($millions) | 4.7809% | 2,756 |
| Cash dividends to net income (ytd only)* | 124.7401% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0923% | 462 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 4,901 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 70.7975% | 2,359 |
| Net loans and leases to deposits | 80.6190% | 2,738 |
| Net loans and leases to core deposits | 85.0340% | 2,891 |
| Total domestic deposits to total assets | 87.8173% | 1,717 |
| Equity capital to assets | 11.6409% | 2,033 |
| Core capital (leverage) ratio | 11.7425% | 1,819 |
| Tier 1 risk-based capital ratio | 14.4785% | 3,135 |
| Total risk-based capital ratio | 15.7367% | 3,038 |
| Memoranda: | ||
| Average total assets | $341,505,500 | 1,975 |
| Average earning assets | $320,345,500 | 1,959 |
| Average equity | $40,959,000 | 1,831 |
| Average total loans | $248,446,000 | 1,863 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9966% | 652 |
| Cost of funding earning assets | 0.3657% | 3,556 |
| Net interest margin | 4.6309% | 468 |
| Noninterest income to average assets | 0.3418% | 4,021 |
| Noninterest expense to average assets | 2.2060% | 4,519 |
| Loan and lease loss provision to assets | 0.0886% | 2,417 |
| Net operating income to assets | 2.3717% | 142 |
| Return on assets (ROA) | 2.3794% | 142 |
| Pretax return on assets | 2.3794% | 227 |
| Return on Equity (ROE) | 20.0696% | 192 |
| Retained earnings to average equity (ytd only) | 5.1202% | 2,050 |
| Net charge-offs to loans | 0.0565% | 2,678 |
| Credit loss provision to net charge-offs | 209.7902% | 1,301 |
| Earnings coverage of net charge-offs (x) | 58.2448% | 974 |
| Efficiency ratio | 47.2748% | 5,344 |
| Assets per employee ($millions) | 4.7716% | 2,769 |
| Cash dividends to net income (ytd only)* | 74.4879% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0703% | 468 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0428% | 4,922 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 71.6817% | 2,279 |
| Net loans and leases to deposits | 85.1547% | 2,357 |
| Net loans and leases to core deposits | 89.9816% | 2,572 |
| Total domestic deposits to total assets | 84.1781% | 3,132 |
| Equity capital to assets | 12.3521% | 1,606 |
| Core capital (leverage) ratio | 11.7160% | 1,785 |
| Tier 1 risk-based capital ratio | 14.7412% | 2,967 |
| Total risk-based capital ratio | 15.9990% | 2,902 |
| Memoranda: | ||
| Average total assets | $338,534,000 | 1,967 |
| Average earning assets | $316,137,400 | 1,956 |
| Average equity | $40,135,400 | 1,856 |
| Average total loans | $253,240,200 | 1,798 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9789% | 641 |
| Cost of funding earning assets | 0.3641% | 3,512 |
| Net interest margin | 4.6147% | 474 |
| Noninterest income to average assets | 0.3301% | 4,172 |
| Noninterest expense to average assets | 2.2142% | 4,495 |
| Loan and lease loss provision to assets | 0.0886% | 2,306 |
| Net operating income to assets | 2.3355% | 172 |
| Return on assets (ROA) | 2.3458% | 172 |
| Pretax return on assets | 2.3458% | 278 |
| Return on Equity (ROE) | 19.9957% | 226 |
| Retained earnings to average equity (ytd only) | -0.1511% | 5,231 |
| Net charge-offs to loans | 0.0351% | 2,732 |
| Credit loss provision to net charge-offs | 335.8209% | 891 |
| Earnings coverage of net charge-offs (x) | 91.8519% | 731 |
| Efficiency ratio | 47.7367% | 5,356 |
| Assets per employee ($millions) | 4.9902% | 2,460 |
| Cash dividends to net income (ytd only)* | 100.7557% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9941% | 574 |
| Loan loss allowance to noncurrent loans | 10,068.6275% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 4,953 |
| Noncurrent loans to loans | 0.0198% | 5,044 |
| Net loans and leases to total assets | 73.2946% | 2,044 |
| Net loans and leases to deposits | 86.5200% | 2,238 |
| Net loans and leases to core deposits | 90.8489% | 2,541 |
| Total domestic deposits to total assets | 84.7141% | 2,830 |
| Equity capital to assets | 11.7038% | 2,184 |
| Core capital (leverage) ratio | 11.2157% | 2,255 |
| Tier 1 risk-based capital ratio | 13.5735% | 3,657 |
| Total risk-based capital ratio | 14.8309% | 3,576 |
| Memoranda: | ||
| Average total assets | $338,471,500 | 1,981 |
| Average earning assets | $315,995,000 | 1,970 |
| Average equity | $39,707,500 | 1,889 |
| Average total loans | $254,555,250 | 1,803 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9453% | 627 |
| Cost of funding earning assets | 0.3646% | 3,432 |
| Net interest margin | 4.5806% | 492 |
| Noninterest income to average assets | 0.2960% | 4,422 |
| Noninterest expense to average assets | 2.1847% | 4,586 |
| Loan and lease loss provision to assets | 0.0891% | 2,201 |
| Net operating income to assets | 2.3000% | 179 |
| Return on assets (ROA) | 2.3149% | 168 |
| Pretax return on assets | 2.3149% | 286 |
| Return on Equity (ROE) | 19.7164% | 227 |
| Retained earnings to average equity (ytd only) | -3.5687% | 5,470 |
| Net charge-offs to loans | -0.0142% | 4,647 |
| Credit loss provision to net charge-offs | -833.3333% | 4,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7651% | 5,401 |
| Assets per employee ($millions) | 4.8676% | 2,561 |
| Cash dividends to net income (ytd only)* | 118.1001% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0021% | 597 |
| Loan loss allowance to noncurrent loans | 4,473.9130% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.1177% | 4,733 |
| Noncurrent loans to loans | 0.0448% | 4,970 |
| Net loans and leases to total assets | 73.9111% | 1,885 |
| Net loans and leases to deposits | 87.1448% | 2,086 |
| Net loans and leases to core deposits | 91.4454% | 2,378 |
| Total domestic deposits to total assets | 84.8141% | 2,887 |
| Equity capital to assets | 11.6555% | 2,184 |
| Core capital (leverage) ratio | 11.0254% | 2,383 |
| Tier 1 risk-based capital ratio | 13.3652% | 3,768 |
| Total risk-based capital ratio | 14.6226% | 3,681 |
| Memoranda: | ||
| Average total assets | $336,520,670 | 1,998 |
| Average earning assets | $314,279,670 | 1,983 |
| Average equity | $39,510,330 | 1,891 |
| Average total loans | $253,571,670 | 1,803 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8391% | 696 |
| Cost of funding earning assets | 0.3614% | 3,398 |
| Net interest margin | 4.4777% | 546 |
| Noninterest income to average assets | 0.3588% | 3,967 |
| Noninterest expense to average assets | 2.1841% | 4,687 |
| Loan and lease loss provision to assets | 0.0897% | 2,047 |
| Net operating income to assets | 2.2642% | 205 |
| Return on assets (ROA) | 2.2942% | 198 |
| Pretax return on assets | 2.2942% | 306 |
| Return on Equity (ROE) | 19.4679% | 256 |
| Retained earnings to average equity (ytd only) | -5.9074% | 5,441 |
| Net charge-offs to loans | -0.0143% | 4,568 |
| Credit loss provision to net charge-offs | -833.3333% | 4,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1286% | 5,464 |
| Assets per employee ($millions) | 4.8144% | 2,678 |
| Cash dividends to net income (ytd only)* | 130.3441% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9866% | 685 |
| Loan loss allowance to noncurrent loans | 401.3481% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.4932% | 3,256 |
| Noncurrent loans to loans | 0.4950% | 3,320 |
| Net loans and leases to total assets | 74.0919% | 1,718 |
| Net loans and leases to deposits | 87.7428% | 1,835 |
| Net loans and leases to core deposits | 92.1383% | 2,149 |
| Total domestic deposits to total assets | 84.4421% | 3,313 |
| Equity capital to assets | 11.6793% | 2,056 |
| Core capital (leverage) ratio | 11.2574% | 2,139 |
| Tier 1 risk-based capital ratio | 13.3392% | 3,866 |
| Total risk-based capital ratio | 14.5960% | 3,780 |
| Memoranda: | ||
| Average total assets | $334,415,500 | 2,021 |
| Average earning assets | $312,127,000 | 2,014 |
| Average equity | $39,408,500 | 1,894 |
| Average total loans | $251,866,000 | 1,827 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9816% | 612 |
| Cost of funding earning assets | 0.4450% | 2,578 |
| Net interest margin | 4.5366% | 570 |
| Noninterest income to average assets | 0.3407% | 4,304 |
| Noninterest expense to average assets | 2.2523% | 4,648 |
| Loan and lease loss provision to assets | 0.0936% | 2,484 |
| Net operating income to assets | 2.2224% | 218 |
| Return on assets (ROA) | 2.3754% | 179 |
| Pretax return on assets | 2.3754% | 243 |
| Return on Equity (ROE) | 20.1985% | 201 |
| Retained earnings to average equity (ytd only) | 5.4429% | 2,053 |
| Net charge-offs to loans | 0.0442% | 3,152 |
| Credit loss provision to net charge-offs | 284.4037% | 1,030 |
| Earnings coverage of net charge-offs (x) | 70.4037% | 785 |
| Efficiency ratio | 49.3030% | 5,517 |
| Assets per employee ($millions) | 4.7404% | 2,733 |
| Cash dividends to net income (ytd only)* | 73.0530% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9990% | 661 |
| Loan loss allowance to noncurrent loans | 5,855.2941% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.1902% | 4,560 |
| Noncurrent loans to loans | 0.0341% | 5,128 |
| Net loans and leases to total assets | 73.5327% | 1,925 |
| Net loans and leases to deposits | 87.4862% | 1,988 |
| Net loans and leases to core deposits | 92.0869% | 2,293 |
| Total domestic deposits to total assets | 84.0506% | 3,405 |
| Equity capital to assets | 11.8909% | 1,886 |
| Core capital (leverage) ratio | 11.4829% | 1,940 |
| Tier 1 risk-based capital ratio | 13.7853% | 3,591 |
| Total risk-based capital ratio | 15.0422% | 3,490 |
| Memoranda: | ||
| Average total assets | $331,356,200 | 1,998 |
| Average earning assets | $308,777,400 | 1,983 |
| Average equity | $38,968,200 | 1,881 |
| Average total loans | $246,627,400 | 1,809 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9922% | 613 |
| Cost of funding earning assets | 0.4711% | 2,354 |
| Net interest margin | 4.5210% | 596 |
| Noninterest income to average assets | 0.3401% | 4,345 |
| Noninterest expense to average assets | 2.3302% | 4,457 |
| Loan and lease loss provision to assets | 0.1006% | 2,231 |
| Net operating income to assets | 2.1233% | 282 |
| Return on assets (ROA) | 2.3274% | 215 |
| Pretax return on assets | 2.3274% | 300 |
| Return on Equity (ROE) | 19.8454% | 248 |
| Retained earnings to average equity (ytd only) | 2.5124% | 4,414 |
| Net charge-offs to loans | 0.0634% | 2,445 |
| Credit loss provision to net charge-offs | 213.6752% | 1,373 |
| Earnings coverage of net charge-offs (x) | 47.2210% | 1,122 |
| Efficiency ratio | 51.1667% | 5,434 |
| Assets per employee ($millions) | 4.6403% | 2,857 |
| Cash dividends to net income (ytd only)* | 87.3401% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9936% | 737 |
| Loan loss allowance to noncurrent loans | 7,670.3125% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.1878% | 4,683 |
| Noncurrent loans to loans | 0.0260% | 5,281 |
| Net loans and leases to total assets | 74.2957% | 1,817 |
| Net loans and leases to deposits | 88.8529% | 1,913 |
| Net loans and leases to core deposits | 93.8275% | 2,205 |
| Total domestic deposits to total assets | 83.6165% | 3,347 |
| Equity capital to assets | 12.1371% | 2,013 |
| Core capital (leverage) ratio | 10.9168% | 2,544 |
| Tier 1 risk-based capital ratio | 13.2510% | 4,006 |
| Total risk-based capital ratio | 14.5080% | 3,913 |
| Memoranda: | ||
| Average total assets | $331,239,000 | 2,001 |
| Average earning assets | $308,741,750 | 1,987 |
| Average equity | $38,846,000 | 1,899 |
| Average total loans | $246,040,000 | 1,820 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9300% | 675 |
| Cost of funding earning assets | 0.5063% | 2,051 |
| Net interest margin | 4.4238% | 724 |
| Noninterest income to average assets | 0.3258% | 4,451 |
| Noninterest expense to average assets | 2.2659% | 4,692 |
| Loan and lease loss provision to assets | 0.0840% | 2,463 |
| Net operating income to assets | 2.1015% | 278 |
| Return on assets (ROA) | 2.3811% | 187 |
| Pretax return on assets | 2.3811% | 265 |
| Return on Equity (ROE) | 20.5364% | 216 |
| Retained earnings to average equity (ytd only) | 3.2028% | 3,861 |
| Net charge-offs to loans | -0.0496% | 5,366 |
| Credit loss provision to net charge-offs | -229.5082% | 4,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9030% | 5,512 |
| Assets per employee ($millions) | 4.8924% | 2,424 |
| Cash dividends to net income (ytd only)* | 84.4041% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9987% | 738 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1617% | 4,860 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 72.2897% | 2,122 |
| Net loans and leases to deposits | 85.8150% | 2,270 |
| Net loans and leases to core deposits | 93.8967% | 2,178 |
| Total domestic deposits to total assets | 84.2391% | 3,180 |
| Equity capital to assets | 11.7630% | 2,302 |
| Core capital (leverage) ratio | 10.6924% | 2,744 |
| Tier 1 risk-based capital ratio | 13.2971% | 4,023 |
| Total risk-based capital ratio | 14.5541% | 3,934 |
| Memoranda: | ||
| Average total assets | $333,378,330 | 1,999 |
| Average earning assets | $310,911,000 | 1,983 |
| Average equity | $38,653,330 | 1,908 |
| Average total loans | $245,974,330 | 1,821 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9430% | 646 |
| Cost of funding earning assets | 0.5949% | 1,363 |
| Net interest margin | 4.3481% | 835 |
| Noninterest income to average assets | 0.3405% | 4,297 |
| Noninterest expense to average assets | 2.3750% | 4,439 |
| Loan and lease loss provision to assets | 0.0966% | 2,082 |
| Net operating income to assets | 1.9198% | 382 |
| Return on assets (ROA) | 2.4342% | 181 |
| Pretax return on assets | 2.4342% | 265 |
| Return on Equity (ROE) | 21.1512% | 191 |
| Retained earnings to average equity (ytd only) | -5.0780% | 5,613 |
| Net charge-offs to loans | -0.0065% | 4,375 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0830% | 5,379 |
| Assets per employee ($millions) | 4.7997% | 2,586 |
| Cash dividends to net income (ytd only)* | 124.0079% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9788% | 847 |
| Loan loss allowance to noncurrent loans | 633.6375% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.3985% | 3,999 |
| Noncurrent loans to loans | 0.3123% | 4,311 |
| Net loans and leases to total assets | 71.6551% | 2,093 |
| Net loans and leases to deposits | 84.5443% | 2,246 |
| Net loans and leases to core deposits | 92.2091% | 2,166 |
| Total domestic deposits to total assets | 84.7546% | 3,226 |
| Equity capital to assets | 11.2791% | 2,652 |
| Core capital (leverage) ratio | 10.7067% | 2,718 |
| Tier 1 risk-based capital ratio | 12.9275% | 4,308 |
| Total risk-based capital ratio | 14.1841% | 4,219 |
| Memoranda: | ||
| Average total assets | $331,280,000 | 2,016 |
| Average earning assets | $308,638,000 | 2,002 |
| Average equity | $38,125,500 | 1,927 |
| Average total loans | $244,457,000 | 1,834 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0129% | 613 |
| Cost of funding earning assets | 0.4796% | 2,356 |
| Net interest margin | 4.5333% | 619 |
| Noninterest income to average assets | 0.3277% | 4,559 |
| Noninterest expense to average assets | 2.2316% | 4,973 |
| Loan and lease loss provision to assets | 0.1026% | 2,273 |
| Net operating income to assets | 2.2232% | 241 |
| Return on assets (ROA) | 2.3423% | 197 |
| Pretax return on assets | 2.3423% | 276 |
| Return on Equity (ROE) | 20.4821% | 219 |
| Retained earnings to average equity (ytd only) | 6.1395% | 1,727 |
| Net charge-offs to loans | 0.0158% | 3,975 |
| Credit loss provision to net charge-offs | 891.8919% | 381 |
| Earnings coverage of net charge-offs (x) | 202.1622% | 334 |
| Efficiency ratio | 48.9664% | 5,800 |
| Assets per employee ($millions) | 4.6655% | 2,783 |
| Cash dividends to net income (ytd only)* | 70.0252% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9629% | 856 |
| Loan loss allowance to noncurrent loans | 2,376.1194% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 4,644 |
| Noncurrent loans to loans | 0.0826% | 5,171 |
| Net loans and leases to total assets | 73.0391% | 1,885 |
| Net loans and leases to deposits | 84.4237% | 2,315 |
| Net loans and leases to core deposits | 93.8933% | 2,056 |
| Total domestic deposits to total assets | 86.5150% | 2,369 |
| Equity capital to assets | 11.7446% | 2,153 |
| Core capital (leverage) ratio | 10.9818% | 2,424 |
| Tier 1 risk-based capital ratio | 13.2613% | 4,128 |
| Total risk-based capital ratio | 14.5176% | 4,073 |
| Memoranda: | ||
| Average total assets | $321,613,200 | 2,038 |
| Average earning assets | $300,065,400 | 2,018 |
| Average equity | $36,778,400 | 1,945 |
| Average total loans | $233,914,200 | 1,844 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9901% | 633 |
| Cost of funding earning assets | 0.4750% | 2,453 |
| Net interest margin | 4.5151% | 628 |
| Noninterest income to average assets | 0.3230% | 4,631 |
| Noninterest expense to average assets | 2.2548% | 4,895 |
| Loan and lease loss provision to assets | 0.0707% | 2,770 |
| Net operating income to assets | 2.2140% | 256 |
| Return on assets (ROA) | 2.3734% | 201 |
| Pretax return on assets | 2.3734% | 297 |
| Return on Equity (ROE) | 20.8988% | 221 |
| Retained earnings to average equity (ytd only) | 4.4084% | 3,332 |
| Net charge-offs to loans | -0.0443% | 5,506 |
| Credit loss provision to net charge-offs | -220.7792% | 5,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6700% | 5,797 |
| Assets per employee ($millions) | 4.6671% | 2,745 |
| Cash dividends to net income (ytd only)* | 78.9058% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9597% | 977 |
| Loan loss allowance to noncurrent loans | 2,189.8148% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.2447% | 4,782 |
| Noncurrent loans to loans | 0.0895% | 5,270 |
| Net loans and leases to total assets | 73.4801% | 1,825 |
| Net loans and leases to deposits | 85.9312% | 2,146 |
| Net loans and leases to core deposits | 95.7446% | 1,912 |
| Total domestic deposits to total assets | 85.5104% | 2,777 |
| Equity capital to assets | 11.5381% | 2,474 |
| Core capital (leverage) ratio | 10.7337% | 2,784 |
| Tier 1 risk-based capital ratio | 13.2850% | 4,267 |
| Total risk-based capital ratio | 14.5420% | 4,188 |
| Memoranda: | ||
| Average total assets | $320,370,500 | 2,059 |
| Average earning assets | $299,199,250 | 2,036 |
| Average equity | $36,384,000 | 1,975 |
| Average total loans | $231,565,250 | 1,866 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9071% | 719 |
| Cost of funding earning assets | 0.4707% | 2,510 |
| Net interest margin | 4.4364% | 714 |
| Noninterest income to average assets | 0.3183% | 4,680 |
| Noninterest expense to average assets | 2.2113% | 5,086 |
| Loan and lease loss provision to assets | 0.0688% | 2,739 |
| Net operating income to assets | 2.1819% | 268 |
| Return on assets (ROA) | 2.4108% | 199 |
| Pretax return on assets | 2.4108% | 277 |
| Return on Equity (ROE) | 21.3416% | 222 |
| Retained earnings to average equity (ytd only) | 5.2870% | 2,684 |
| Net charge-offs to loans | -0.0631% | 5,626 |
| Credit loss provision to net charge-offs | -152.7778% | 4,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5585% | 5,873 |
| Assets per employee ($millions) | 4.7419% | 2,618 |
| Cash dividends to net income (ytd only)* | 75.2270% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9639% | 1,041 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1774% | 5,157 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 72.2199% | 1,941 |
| Net loans and leases to deposits | 83.1175% | 2,422 |
| Net loans and leases to core deposits | 90.5634% | 2,290 |
| Total domestic deposits to total assets | 86.8890% | 2,223 |
| Equity capital to assets | 11.2332% | 2,640 |
| Core capital (leverage) ratio | 10.7048% | 2,729 |
| Tier 1 risk-based capital ratio | 13.4372% | 4,255 |
| Total risk-based capital ratio | 14.6942% | 4,182 |
| Memoranda: | ||
| Average total assets | $319,817,330 | 2,075 |
| Average earning assets | $298,710,330 | 2,053 |
| Average equity | $36,126,670 | 1,992 |
| Average total loans | $228,301,000 | 1,896 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8919% | 712 |
| Cost of funding earning assets | 0.4748% | 2,507 |
| Net interest margin | 4.4171% | 704 |
| Noninterest income to average assets | 0.3152% | 4,669 |
| Noninterest expense to average assets | 2.2317% | 5,067 |
| Loan and lease loss provision to assets | 0.0628% | 2,670 |
| Net operating income to assets | 2.1450% | 257 |
| Return on assets (ROA) | 2.5482% | 151 |
| Pretax return on assets | 2.5482% | 221 |
| Return on Equity (ROE) | 22.4948% | 168 |
| Retained earnings to average equity (ytd only) | -3.0045% | 5,793 |
| Net charge-offs to loans | -0.1198% | 5,918 |
| Credit loss provision to net charge-offs | -74.6269% | 4,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2687% | 5,898 |
| Assets per employee ($millions) | 4.5062% | 3,045 |
| Cash dividends to net income (ytd only)* | 113.3563% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0484% | 992 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2072% | 5,125 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 68.7531% | 2,323 |
| Net loans and leases to deposits | 79.7150% | 2,589 |
| Net loans and leases to core deposits | 87.0392% | 2,427 |
| Total domestic deposits to total assets | 86.2486% | 2,797 |
| Equity capital to assets | 11.2425% | 2,705 |
| Core capital (leverage) ratio | 10.4372% | 3,050 |
| Tier 1 risk-based capital ratio | 13.3164% | 4,423 |
| Total risk-based capital ratio | 14.5740% | 4,329 |
| Memoranda: | ||
| Average total assets | $318,502,500 | 2,096 |
| Average earning assets | $297,391,500 | 2,069 |
| Average equity | $36,079,500 | 2,008 |
| Average total loans | $223,683,500 | 1,922 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0419% | 710 |
| Cost of funding earning assets | 0.4977% | 2,700 |
| Net interest margin | 4.5442% | 687 |
| Noninterest income to average assets | 0.4965% | 3,538 |
| Noninterest expense to average assets | 2.3131% | 5,078 |
| Loan and lease loss provision to assets | 0.0607% | 3,314 |
| Net operating income to assets | 2.3504% | 180 |
| Return on assets (ROA) | 2.3734% | 178 |
| Pretax return on assets | 2.3734% | 240 |
| Return on Equity (ROE) | 22.1560% | 169 |
| Retained earnings to average equity (ytd only) | 7.2522% | 1,293 |
| Net charge-offs to loans | -0.1421% | 6,198 |
| Credit loss provision to net charge-offs | -63.5452% | 5,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9625% | 6,146 |
| Assets per employee ($millions) | 4.6627% | 2,774 |
| Cash dividends to net income (ytd only)* | 67.2676% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0121% | 1,089 |
| Loan loss allowance to noncurrent loans | 2,968.8742% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.2567% | 5,001 |
| Noncurrent loans to loans | 0.0678% | 5,609 |
| Net loans and leases to total assets | 68.8551% | 2,421 |
| Net loans and leases to deposits | 80.0111% | 2,711 |
| Net loans and leases to core deposits | 88.0218% | 2,498 |
| Total domestic deposits to total assets | 86.0568% | 2,804 |
| Equity capital to assets | 11.4140% | 2,503 |
| Core capital (leverage) ratio | 10.3176% | 3,144 |
| Tier 1 risk-based capital ratio | 13.9409% | 4,132 |
| Total risk-based capital ratio | 15.1987% | 4,060 |
| Memoranda: | ||
| Average total assets | $313,176,800 | 2,074 |
| Average earning assets | $291,358,200 | 2,063 |
| Average equity | $33,548,400 | 2,077 |
| Average total loans | $210,345,200 | 1,970 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0174% | 748 |
| Cost of funding earning assets | 0.4978% | 2,790 |
| Net interest margin | 4.5196% | 708 |
| Noninterest income to average assets | 0.5676% | 3,078 |
| Noninterest expense to average assets | 2.3988% | 4,830 |
| Loan and lease loss provision to assets | 0.0811% | 2,726 |
| Net operating income to assets | 2.2907% | 196 |
| Return on assets (ROA) | 2.2895% | 199 |
| Pretax return on assets | 2.2895% | 302 |
| Return on Equity (ROE) | 21.7338% | 200 |
| Retained earnings to average equity (ytd only) | 1.4635% | 5,313 |
| Net charge-offs to loans | -0.1062% | 6,157 |
| Credit loss provision to net charge-offs | -115.1515% | 5,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2820% | 6,086 |
| Assets per employee ($millions) | 4.5434% | 2,890 |
| Cash dividends to net income (ytd only)* | 93.2662% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0341% | 1,199 |
| Loan loss allowance to noncurrent loans | 2,635.7576% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.3396% | 4,919 |
| Noncurrent loans to loans | 0.0772% | 5,714 |
| Net loans and leases to total assets | 65.8600% | 2,894 |
| Net loans and leases to deposits | 76.0371% | 3,178 |
| Net loans and leases to core deposits | 84.0626% | 2,873 |
| Total domestic deposits to total assets | 86.6156% | 2,518 |
| Equity capital to assets | 10.6611% | 3,355 |
| Core capital (leverage) ratio | 9.8421% | 3,882 |
| Tier 1 risk-based capital ratio | 13.5015% | 4,539 |
| Total risk-based capital ratio | 14.7594% | 4,473 |
| Memoranda: | ||
| Average total assets | $312,204,500 | 2,094 |
| Average earning assets | $290,345,000 | 2,081 |
| Average equity | $32,888,000 | 2,119 |
| Average total loans | $207,231,750 | 2,001 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0564% | 672 |
| Cost of funding earning assets | 0.4949% | 2,883 |
| Net interest margin | 4.5615% | 621 |
| Noninterest income to average assets | 0.6820% | 2,366 |
| Noninterest expense to average assets | 2.5533% | 4,400 |
| Loan and lease loss provision to assets | 0.1225% | 2,007 |
| Net operating income to assets | 2.2426% | 208 |
| Return on assets (ROA) | 2.2407% | 220 |
| Pretax return on assets | 2.2407% | 333 |
| Return on Equity (ROE) | 21.3588% | 230 |
| Retained earnings to average equity (ytd only) | 2.3104% | 4,727 |
| Net charge-offs to loans | -0.1609% | 6,289 |
| Credit loss provision to net charge-offs | -115.1515% | 5,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9135% | 6,072 |
| Assets per employee ($millions) | 4.6210% | 2,739 |
| Cash dividends to net income (ytd only)* | 89.1830% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0607% | 1,254 |
| Loan loss allowance to noncurrent loans | 10,872.5000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.3456% | 5,001 |
| Noncurrent loans to loans | 0.0190% | 6,014 |
| Net loans and leases to total assets | 64.8270% | 2,941 |
| Net loans and leases to deposits | 74.8901% | 3,206 |
| Net loans and leases to core deposits | 82.9673% | 2,860 |
| Total domestic deposits to total assets | 86.5628% | 2,725 |
| Equity capital to assets | 10.6145% | 3,292 |
| Core capital (leverage) ratio | 10.0093% | 3,599 |
| Tier 1 risk-based capital ratio | 13.7111% | 4,439 |
| Total risk-based capital ratio | 14.9690% | 4,383 |
| Memoranda: | ||
| Average total assets | $310,261,000 | 2,103 |
| Average earning assets | $288,149,670 | 2,086 |
| Average equity | $32,548,670 | 2,126 |
| Average total loans | $205,040,000 | 2,015 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9001% | 874 |
| Cost of funding earning assets | 0.4928% | 2,983 |
| Net interest margin | 4.4072% | 794 |
| Noninterest income to average assets | 0.3229% | 4,784 |
| Noninterest expense to average assets | 2.4643% | 4,743 |
| Loan and lease loss provision to assets | 0.0719% | 2,700 |
| Net operating income to assets | 1.8669% | 428 |
| Return on assets (ROA) | 1.9074% | 408 |
| Pretax return on assets | 1.9074% | 640 |
| Return on Equity (ROE) | 18.2941% | 417 |
| Retained earnings to average equity (ytd only) | -0.5141% | 5,647 |
| Net charge-offs to loans | 0.1069% | 2,113 |
| Credit loss provision to net charge-offs | 101.8519% | 1,632 |
| Earnings coverage of net charge-offs (x) | 27.4630% | 1,109 |
| Efficiency ratio | 55.9679% | 5,841 |
| Assets per employee ($millions) | 4.3886% | 3,170 |
| Cash dividends to net income (ytd only)* | 102.8101% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9606% | 1,599 |
| Loan loss allowance to noncurrent loans | 1,623.9837% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.4792% | 4,702 |
| Noncurrent loans to loans | 0.1207% | 5,754 |
| Net loans and leases to total assets | 65.0301% | 2,723 |
| Net loans and leases to deposits | 74.9634% | 2,949 |
| Net loans and leases to core deposits | 81.9958% | 2,734 |
| Total domestic deposits to total assets | 86.7491% | 2,965 |
| Equity capital to assets | 10.5361% | 3,215 |
| Core capital (leverage) ratio | 10.1838% | 3,314 |
| Tier 1 risk-based capital ratio | 13.8959% | 4,396 |
| Total risk-based capital ratio | 15.1524% | 4,337 |
| Memoranda: | ||
| Average total assets | $305,968,000 | 2,142 |
| Average earning assets | $283,262,000 | 2,122 |
| Average equity | $31,901,000 | 2,163 |
| Average total loans | $202,036,000 | 2,036 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8352% | 1,240 |
| Cost of funding earning assets | 0.5548% | 3,072 |
| Net interest margin | 4.2804% | 1,153 |
| Noninterest income to average assets | 0.3609% | 4,722 |
| Noninterest expense to average assets | 2.3469% | 5,246 |
| Loan and lease loss provision to assets | 0.0245% | 4,635 |
| Net operating income to assets | 1.9957% | 341 |
| Return on assets (ROA) | 1.9133% | 397 |
| Pretax return on assets | 1.9133% | 587 |
| Return on Equity (ROE) | 18.6786% | 361 |
| Retained earnings to average equity (ytd only) | 6.2198% | 1,834 |
| Net charge-offs to loans | -0.0036% | 5,897 |
| Credit loss provision to net charge-offs | -1,071.4286% | 6,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7389% | 6,162 |
| Assets per employee ($millions) | 4.4814% | 2,941 |
| Cash dividends to net income (ytd only)* | 66.7009% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9940% | 1,566 |
| Loan loss allowance to noncurrent loans | 1,938.8350% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.5027% | 4,728 |
| Noncurrent loans to loans | 0.1028% | 5,904 |
| Net loans and leases to total assets | 64.4199% | 2,966 |
| Net loans and leases to deposits | 74.0725% | 3,245 |
| Net loans and leases to core deposits | 82.0210% | 2,896 |
| Total domestic deposits to total assets | 86.9687% | 2,741 |
| Equity capital to assets | 10.3155% | 3,381 |
| Core capital (leverage) ratio | 10.1151% | 3,409 |
| Tier 1 risk-based capital ratio | 13.9872% | 4,307 |
| Total risk-based capital ratio | 15.2439% | 4,241 |
| Memoranda: | ||
| Average total assets | $305,599,600 | 2,111 |
| Average earning assets | $286,025,200 | 2,067 |
| Average equity | $31,303,200 | 2,167 |
| Average total loans | $192,487,400 | 2,074 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7621% | 1,440 |
| Cost of funding earning assets | 0.5667% | 3,109 |
| Net interest margin | 4.1954% | 1,345 |
| Noninterest income to average assets | 0.3383% | 4,988 |
| Noninterest expense to average assets | 2.3408% | 5,212 |
| Loan and lease loss provision to assets | 0.0283% | 4,445 |
| Net operating income to assets | 1.9100% | 429 |
| Return on assets (ROA) | 1.7880% | 559 |
| Pretax return on assets | 1.7880% | 928 |
| Return on Equity (ROE) | 17.4858% | 492 |
| Retained earnings to average equity (ytd only) | 4.4813% | 3,481 |
| Net charge-offs to loans | 0.0287% | 4,554 |
| Credit loss provision to net charge-offs | 158.5366% | 1,486 |
| Earnings coverage of net charge-offs (x) | 108.4297% | 468 |
| Efficiency ratio | 54.7020% | 6,043 |
| Assets per employee ($millions) | 4.4388% | 2,979 |
| Cash dividends to net income (ytd only)* | 74.3722% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9969% | 1,725 |
| Loan loss allowance to noncurrent loans | 522.7092% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.7186% | 4,309 |
| Noncurrent loans to loans | 0.3820% | 5,255 |
| Net loans and leases to total assets | 63.9983% | 3,002 |
| Net loans and leases to deposits | 73.8751% | 3,247 |
| Net loans and leases to core deposits | 82.4157% | 2,836 |
| Total domestic deposits to total assets | 86.6305% | 2,898 |
| Equity capital to assets | 10.2254% | 3,606 |
| Core capital (leverage) ratio | 9.8963% | 3,818 |
| Tier 1 risk-based capital ratio | 13.6890% | 4,636 |
| Total risk-based capital ratio | 14.9458% | 4,588 |
| Memoranda: | ||
| Average total assets | $305,815,750 | 2,111 |
| Average earning assets | $287,260,500 | 2,078 |
| Average equity | $31,270,250 | 2,190 |
| Average total loans | $190,533,250 | 2,091 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7077% | 1,541 |
| Cost of funding earning assets | 0.5808% | 3,122 |
| Net interest margin | 4.1269% | 1,476 |
| Noninterest income to average assets | 0.3471% | 4,917 |
| Noninterest expense to average assets | 2.3403% | 5,242 |
| Loan and lease loss provision to assets | 0.0488% | 4,004 |
| Net operating income to assets | 1.8304% | 482 |
| Return on assets (ROA) | 1.8656% | 486 |
| Pretax return on assets | 1.8656% | 795 |
| Return on Equity (ROE) | 18.2451% | 448 |
| Retained earnings to average equity (ytd only) | 1.3692% | 5,337 |
| Net charge-offs to loans | 0.0361% | 4,178 |
| Credit loss provision to net charge-offs | 220.5882% | 1,104 |
| Earnings coverage of net charge-offs (x) | 84.8824% | 535 |
| Efficiency ratio | 55.4630% | 6,028 |
| Assets per employee ($millions) | 4.5586% | 2,721 |
| Cash dividends to net income (ytd only)* | 92.4956% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0847% | 1,666 |
| Loan loss allowance to noncurrent loans | 501.6497% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.6891% | 4,499 |
| Noncurrent loans to loans | 0.4156% | 5,220 |
| Net loans and leases to total assets | 59.8961% | 3,674 |
| Net loans and leases to deposits | 68.3600% | 3,960 |
| Net loans and leases to core deposits | 76.5195% | 3,481 |
| Total domestic deposits to total assets | 87.6186% | 2,483 |
| Equity capital to assets | 9.5899% | 4,464 |
| Core capital (leverage) ratio | 9.5280% | 4,202 |
| Tier 1 risk-based capital ratio | 13.7992% | 4,567 |
| Total risk-based capital ratio | 15.0568% | 4,526 |
| Memoranda: | ||
| Average total assets | $307,142,330 | 2,107 |
| Average earning assets | $288,207,000 | 2,073 |
| Average equity | $31,405,670 | 2,189 |
| Average total loans | $188,342,330 | 2,118 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7374% | 1,438 |
| Cost of funding earning assets | 0.5955% | 3,147 |
| Net interest margin | 4.1419% | 1,350 |
| Noninterest income to average assets | 0.3389% | 4,989 |
| Noninterest expense to average assets | 2.3184% | 5,373 |
| Loan and lease loss provision to assets | 0.0981% | 3,049 |
| Net operating income to assets | 1.7990% | 482 |
| Return on assets (ROA) | 1.8697% | 463 |
| Pretax return on assets | 1.8697% | 775 |
| Return on Equity (ROE) | 17.7268% | 455 |
| Retained earnings to average equity (ytd only) | -0.8808% | 5,932 |
| Net charge-offs to loans | -0.0405% | 6,037 |
| Credit loss provision to net charge-offs | -394.7368% | 5,415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9969% | 6,154 |
| Assets per employee ($millions) | 4.5084% | 2,958 |
| Cash dividends to net income (ytd only)* | 104.9685% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1768% | 1,632 |
| Loan loss allowance to noncurrent loans | 6,789.8305% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.5274% | 5,074 |
| Noncurrent loans to loans | 0.0321% | 6,398 |
| Net loans and leases to total assets | 58.7234% | 3,667 |
| Net loans and leases to deposits | 67.6841% | 3,805 |
| Net loans and leases to core deposits | 76.1010% | 3,308 |
| Total domestic deposits to total assets | 86.7610% | 3,097 |
| Equity capital to assets | 10.4488% | 3,604 |
| Core capital (leverage) ratio | 9.5805% | 3,958 |
| Tier 1 risk-based capital ratio | 14.0037% | 4,498 |
| Total risk-based capital ratio | 15.2621% | 4,454 |
| Memoranda: | ||
| Average total assets | $305,722,500 | 2,147 |
| Average earning assets | $286,149,500 | 2,116 |
| Average equity | $32,245,000 | 2,166 |
| Average total loans | $187,703,500 | 2,139 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3121% | 906 |
| Cost of funding earning assets | 0.9573% | 1,599 |
| Net interest margin | 4.3548% | 1,271 |
| Noninterest income to average assets | 0.2713% | 5,521 |
| Noninterest expense to average assets | 2.3827% | 5,459 |
| Loan and lease loss provision to assets | 0.1821% | 3,355 |
| Net operating income to assets | 1.7840% | 527 |
| Return on assets (ROA) | 1.9494% | 434 |
| Pretax return on assets | 1.9494% | 673 |
| Return on Equity (ROE) | 18.1505% | 435 |
| Retained earnings to average equity (ytd only) | 9.0752% | 800 |
| Net charge-offs to loans | -0.0038% | 6,367 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7898% | 6,202 |
| Assets per employee ($millions) | 4.4834% | 2,991 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0442% | 1,904 |
| Loan loss allowance to noncurrent loans | 982.9146% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.7593% | 4,575 |
| Noncurrent loans to loans | 0.2080% | 5,952 |
| Net loans and leases to total assets | 61.4877% | 3,338 |
| Net loans and leases to deposits | 71.0418% | 3,556 |
| Net loans and leases to core deposits | 78.3270% | 3,214 |
| Total domestic deposits to total assets | 86.5515% | 3,075 |
| Equity capital to assets | 10.6460% | 3,339 |
| Core capital (leverage) ratio | 9.7451% | 3,739 |
| Tier 1 risk-based capital ratio | 13.5584% | 4,709 |
| Total risk-based capital ratio | 14.8153% | 4,654 |
| Memoranda: | ||
| Average total assets | $288,290,400 | 2,220 |
| Average earning assets | $269,933,400 | 2,162 |
| Average equity | $30,963,400 | 2,200 |
| Average total loans | $183,059,800 | 2,164 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3747% | 877 |
| Cost of funding earning assets | 1.0776% | 1,156 |
| Net interest margin | 4.2971% | 1,473 |
| Noninterest income to average assets | 0.3524% | 5,000 |
| Noninterest expense to average assets | 2.3940% | 5,416 |
| Loan and lease loss provision to assets | 0.1994% | 3,085 |
| Net operating income to assets | 1.7873% | 580 |
| Return on assets (ROA) | 1.9680% | 460 |
| Pretax return on assets | 1.9680% | 753 |
| Return on Equity (ROE) | 18.2800% | 471 |
| Retained earnings to average equity (ytd only) | 7.5578% | 1,819 |
| Net charge-offs to loans | -0.0486% | 6,701 |
| Credit loss provision to net charge-offs | -643.9394% | 6,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6487% | 6,185 |
| Assets per employee ($millions) | 4.2683% | 3,338 |
| Cash dividends to net income (ytd only)* | 58.6553% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0393% | 2,062 |
| Loan loss allowance to noncurrent loans | 3,308.5470% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.7804% | 4,755 |
| Noncurrent loans to loans | 0.0616% | 6,464 |
| Net loans and leases to total assets | 64.0651% | 3,013 |
| Net loans and leases to deposits | 74.4980% | 3,218 |
| Net loans and leases to core deposits | 82.4705% | 2,896 |
| Total domestic deposits to total assets | 85.9957% | 3,261 |
| Equity capital to assets | 10.9162% | 3,362 |
| Core capital (leverage) ratio | 9.5444% | 4,203 |
| Tier 1 risk-based capital ratio | 13.2556% | 5,051 |
| Total risk-based capital ratio | 14.5130% | 5,012 |
| Memoranda: | ||
| Average total assets | $284,144,500 | 2,266 |
| Average earning assets | $266,375,750 | 2,214 |
| Average equity | $30,590,000 | 2,238 |
| Average total loans | $180,981,750 | 2,214 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3616% | 939 |
| Cost of funding earning assets | 1.2825% | 568 |
| Net interest margin | 4.0791% | 2,173 |
| Noninterest income to average assets | 0.3460% | 5,069 |
| Noninterest expense to average assets | 2.2984% | 5,744 |
| Loan and lease loss provision to assets | 0.1950% | 3,136 |
| Net operating income to assets | 1.6837% | 695 |
| Return on assets (ROA) | 1.9354% | 501 |
| Pretax return on assets | 1.9354% | 792 |
| Return on Equity (ROE) | 18.0643% | 499 |
| Retained earnings to average equity (ytd only) | 10.4879% | 854 |
| Net charge-offs to loans | -0.0517% | 6,672 |
| Credit loss provision to net charge-offs | -597.8261% | 6,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0238% | 6,228 |
| Assets per employee ($millions) | 4.3554% | 3,158 |
| Cash dividends to net income (ytd only)* | 41.9414% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9542% | 2,361 |
| Loan loss allowance to noncurrent loans | 17,623.8095% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.7324% | 4,960 |
| Noncurrent loans to loans | 0.0111% | 6,676 |
| Net loans and leases to total assets | 62.6970% | 3,288 |
| Net loans and leases to deposits | 72.3818% | 3,553 |
| Net loans and leases to core deposits | 80.9607% | 3,091 |
| Total domestic deposits to total assets | 86.6198% | 3,001 |
| Equity capital to assets | 10.4164% | 3,789 |
| Core capital (leverage) ratio | 9.4353% | 4,238 |
| Tier 1 risk-based capital ratio | 13.2711% | 4,984 |
| Total risk-based capital ratio | 14.5276% | 4,945 |
| Memoranda: | ||
| Average total assets | $282,110,330 | 2,285 |
| Average earning assets | $264,959,330 | 2,222 |
| Average equity | $30,225,330 | 2,245 |
| Average total loans | $178,036,330 | 2,259 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4713% | 794 |
| Cost of funding earning assets | 1.1546% | 1,161 |
| Net interest margin | 4.3167% | 1,417 |
| Noninterest income to average assets | 0.3461% | 5,094 |
| Noninterest expense to average assets | 2.1216% | 6,226 |
| Loan and lease loss provision to assets | 0.1454% | 3,542 |
| Net operating income to assets | 2.1346% | 327 |
| Return on assets (ROA) | 2.3106% | 288 |
| Pretax return on assets | 2.3106% | 447 |
| Return on Equity (ROE) | 21.2483% | 305 |
| Retained earnings to average equity (ytd only) | 19.9111% | 192 |
| Net charge-offs to loans | 0.0046% | 4,689 |
| Credit loss provision to net charge-offs | 5,000.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 784.0000% | 25 |
| Efficiency ratio | 48.1995% | 6,791 |
| Assets per employee ($millions) | 4.4211% | 3,152 |
| Cash dividends to net income (ytd only)* | 6.2933% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8957% | 2,687 |
| Loan loss allowance to noncurrent loans | 1,783.0769% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.7168% | 5,116 |
| Noncurrent loans to loans | 0.1063% | 6,493 |
| Net loans and leases to total assets | 59.8526% | 3,701 |
| Net loans and leases to deposits | 71.2305% | 3,550 |
| Net loans and leases to core deposits | 80.5568% | 3,000 |
| Total domestic deposits to total assets | 84.0266% | 4,478 |
| Equity capital to assets | 10.2699% | 3,767 |
| Core capital (leverage) ratio | 9.5080% | 4,036 |
| Tier 1 risk-based capital ratio | 13.7457% | 4,645 |
| Total risk-based capital ratio | 15.0017% | 4,629 |
| Memoranda: | ||
| Average total assets | $275,081,000 | 2,350 |
| Average earning assets | $258,438,000 | 2,293 |
| Average equity | $29,913,000 | 2,268 |
| Average total loans | $172,359,500 | 2,339 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7785% | 670 |
| Cost of funding earning assets | 1.3199% | 1,392 |
| Net interest margin | 4.4586% | 1,232 |
| Noninterest income to average assets | 0.2573% | 5,696 |
| Noninterest expense to average assets | 2.5398% | 5,325 |
| Loan and lease loss provision to assets | -0.3793% | 7,327 |
| Net operating income to assets | 2.2767% | 197 |
| Return on assets (ROA) | 2.4900% | 141 |
| Pretax return on assets | 2.4900% | 210 |
| Return on Equity (ROE) | 22.3018% | 173 |
| Retained earnings to average equity (ytd only) | 10.0448% | 559 |
| Net charge-offs to loans | -0.6034% | 7,287 |
| Credit loss provision to net charge-offs | 94.3763% | 3,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2381% | 6,161 |
| Assets per employee ($millions) | 4.5368% | 2,851 |
| Cash dividends to net income (ytd only)* | 54.9596% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0954% | 2,017 |
| Loan loss allowance to noncurrent loans | 226.8456% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.8909% | 4,833 |
| Noncurrent loans to loans | 0.9237% | 4,844 |
| Net loans and leases to total assets | 63.2894% | 3,332 |
| Net loans and leases to deposits | 77.9921% | 2,845 |
| Net loans and leases to core deposits | 86.0353% | 2,630 |
| Total domestic deposits to total assets | 81.1486% | 5,409 |
| Equity capital to assets | 11.6024% | 2,424 |
| Core capital (leverage) ratio | 10.3384% | 2,924 |
| Tier 1 risk-based capital ratio | 14.9814% | 3,650 |
| Total risk-based capital ratio | 16.2400% | 3,606 |
| Memoranda: | ||
| Average total assets | $243,330,200 | 2,596 |
| Average earning assets | $228,123,000 | 2,529 |
| Average equity | $27,168,200 | 2,386 |
| Average total loans | $162,073,400 | 2,475 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8313% | 658 |
| Cost of funding earning assets | 1.3854% | 1,295 |
| Net interest margin | 4.4460% | 1,286 |
| Noninterest income to average assets | 0.2316% | 5,964 |
| Noninterest expense to average assets | 2.6525% | 4,897 |
| Loan and lease loss provision to assets | -0.5641% | 7,414 |
| Net operating income to assets | 2.3056% | 209 |
| Return on assets (ROA) | 2.5913% | 141 |
| Pretax return on assets | 2.5913% | 207 |
| Return on Equity (ROE) | 23.4453% | 179 |
| Retained earnings to average equity (ytd only) | 12.4686% | 438 |
| Net charge-offs to loans | -1.0698% | 7,386 |
| Credit loss provision to net charge-offs | 78.5714% | 4,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3665% | 5,653 |
| Assets per employee ($millions) | 4.5118% | 2,890 |
| Cash dividends to net income (ytd only)* | 46.8184% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1738% | 1,915 |
| Loan loss allowance to noncurrent loans | 2,882.4000% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.3639% | 6,168 |
| Noncurrent loans to loans | 0.0754% | 6,741 |
| Net loans and leases to total assets | 65.3421% | 3,046 |
| Net loans and leases to deposits | 80.8766% | 2,544 |
| Net loans and leases to core deposits | 90.2823% | 2,213 |
| Total domestic deposits to total assets | 80.7923% | 5,501 |
| Equity capital to assets | 11.6707% | 2,523 |
| Core capital (leverage) ratio | 10.4681% | 2,904 |
| Tier 1 risk-based capital ratio | 14.4750% | 3,995 |
| Total risk-based capital ratio | 15.7347% | 3,962 |
| Memoranda: | ||
| Average total assets | $241,781,500 | 2,625 |
| Average earning assets | $226,357,250 | 2,552 |
| Average equity | $26,722,500 | 2,421 |
| Average total loans | $162,266,000 | 2,479 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8432% | 660 |
| Cost of funding earning assets | 1.4249% | 1,309 |
| Net interest margin | 4.4184% | 1,318 |
| Noninterest income to average assets | 0.3321% | 5,235 |
| Noninterest expense to average assets | 2.7130% | 4,764 |
| Loan and lease loss provision to assets | -0.8537% | 7,498 |
| Net operating income to assets | 2.6029% | 148 |
| Return on assets (ROA) | 2.6029% | 154 |
| Pretax return on assets | 2.6029% | 216 |
| Return on Equity (ROE) | 24.0142% | 160 |
| Retained earnings to average equity (ytd only) | 13.2351% | 372 |
| Net charge-offs to loans | -1.4463% | 7,457 |
| Credit loss provision to net charge-offs | 87.8112% | 3,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8004% | 5,760 |
| Assets per employee ($millions) | 4.4408% | 2,943 |
| Cash dividends to net income (ytd only)* | 44.8862% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1402% | 2,033 |
| Loan loss allowance to noncurrent loans | 1,474.8936% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.4819% | 5,959 |
| Noncurrent loans to loans | 0.1451% | 6,617 |
| Net loans and leases to total assets | 64.8853% | 3,276 |
| Net loans and leases to deposits | 80.3096% | 2,736 |
| Net loans and leases to core deposits | 92.1095% | 2,110 |
| Total domestic deposits to total assets | 80.7939% | 5,598 |
| Equity capital to assets | 11.4377% | 2,561 |
| Core capital (leverage) ratio | 10.4256% | 2,793 |
| Tier 1 risk-based capital ratio | 14.2658% | 3,965 |
| Total risk-based capital ratio | 15.5250% | 3,935 |
| Memoranda: | ||
| Average total assets | $239,658,330 | 2,664 |
| Average earning assets | $224,019,670 | 2,596 |
| Average equity | $25,976,330 | 2,466 |
| Average total loans | $161,104,670 | 2,523 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8819% | 621 |
| Cost of funding earning assets | 1.4782% | 1,264 |
| Net interest margin | 4.4037% | 1,265 |
| Noninterest income to average assets | 0.2561% | 5,847 |
| Noninterest expense to average assets | 2.4115% | 5,853 |
| Loan and lease loss provision to assets | 0.0169% | 5,722 |
| Net operating income to assets | 1.9295% | 387 |
| Return on assets (ROA) | 1.9295% | 407 |
| Pretax return on assets | 1.9295% | 637 |
| Return on Equity (ROE) | 18.3226% | 448 |
| Retained earnings to average equity (ytd only) | 0.7361% | 5,530 |
| Net charge-offs to loans | -0.4481% | 7,397 |
| Credit loss provision to net charge-offs | -5.5556% | 5,577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3364% | 6,581 |
| Assets per employee ($millions) | 4.4911% | 2,907 |
| Cash dividends to net income (ytd only)* | 95.9825% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2252% | 1,904 |
| Loan loss allowance to noncurrent loans | 2,642.1053% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.5187% | 5,945 |
| Noncurrent loans to loans | 0.0842% | 6,833 |
| Net loans and leases to total assets | 63.6647% | 3,509 |
| Net loans and leases to deposits | 78.2094% | 3,024 |
| Net loans and leases to core deposits | 90.0135% | 2,341 |
| Total domestic deposits to total assets | 81.4029% | 5,533 |
| Equity capital to assets | 10.4366% | 3,250 |
| Core capital (leverage) ratio | 9.7817% | 3,408 |
| Tier 1 risk-based capital ratio | 13.5208% | 4,411 |
| Total risk-based capital ratio | 14.7808% | 4,370 |
| Memoranda: | ||
| Average total assets | $237,365,000 | 2,705 |
| Average earning assets | $221,085,500 | 2,648 |
| Average equity | $24,996,500 | 2,544 |
| Average total loans | $160,684,500 | 2,550 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3561% | 417 |
| Cost of funding earning assets | 1.7425% | 1,412 |
| Net interest margin | 4.6136% | 984 |
| Noninterest income to average assets | 0.3870% | 5,003 |
| Noninterest expense to average assets | 2.4358% | 5,992 |
| Loan and lease loss provision to assets | 0.6421% | 2,567 |
| Net operating income to assets | 1.5975% | 619 |
| Return on assets (ROA) | 1.6947% | 563 |
| Pretax return on assets | 1.6947% | 952 |
| Return on Equity (ROE) | 16.2808% | 554 |
| Retained earnings to average equity (ytd only) | 7.1109% | 1,272 |
| Net charge-offs to loans | 0.8836% | 2,422 |
| Credit loss provision to net charge-offs | 99.9325% | 4,631 |
| Earnings coverage of net charge-offs (x) | 3.4855% | 3,337 |
| Efficiency ratio | 52.0973% | 6,980 |
| Assets per employee ($millions) | 4.4655% | 2,930 |
| Cash dividends to net income (ytd only)* | 56.3236% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0336% | 2,214 |
| Loan loss allowance to noncurrent loans | 314.7727% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.9647% | 5,076 |
| Noncurrent loans to loans | 0.6461% | 5,763 |
| Net loans and leases to total assets | 68.9597% | 2,758 |
| Net loans and leases to deposits | 85.3521% | 2,217 |
| Net loans and leases to core deposits | 96.6117% | 1,931 |
| Total domestic deposits to total assets | 80.7944% | 5,591 |
| Equity capital to assets | 10.6293% | 3,038 |
| Core capital (leverage) ratio | 10.0286% | 3,062 |
| Tier 1 risk-based capital ratio | 13.3471% | 4,334 |
| Total risk-based capital ratio | 14.6048% | 4,288 |
| Memoranda: | ||
| Average total assets | $230,479,600 | 2,750 |
| Average earning assets | $214,234,400 | 2,698 |
| Average equity | $23,991,400 | 2,657 |
| Average total loans | $167,608,400 | 2,507 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4143% | 399 |
| Cost of funding earning assets | 1.8023% | 1,412 |
| Net interest margin | 4.6120% | 1,014 |
| Noninterest income to average assets | 0.3866% | 5,065 |
| Noninterest expense to average assets | 2.4765% | 5,801 |
| Loan and lease loss provision to assets | 0.6665% | 2,298 |
| Net operating income to assets | 1.5283% | 870 |
| Return on assets (ROA) | 1.6582% | 731 |
| Pretax return on assets | 1.6582% | 1,193 |
| Return on Equity (ROE) | 16.0150% | 702 |
| Retained earnings to average equity (ytd only) | 5.3514% | 2,736 |
| Net charge-offs to loans | 1.1574% | 1,764 |
| Credit loss provision to net charge-offs | 78.5519% | 5,183 |
| Earnings coverage of net charge-offs (x) | 2.5868% | 3,859 |
| Efficiency ratio | 53.0149% | 6,886 |
| Assets per employee ($millions) | 4.3475% | 3,177 |
| Cash dividends to net income (ytd only)* | 66.5852% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8185% | 2,725 |
| Loan loss allowance to noncurrent loans | 268.1211% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 1.0205% | 5,056 |
| Noncurrent loans to loans | 0.6782% | 5,847 |
| Net loans and leases to total assets | 71.9105% | 2,268 |
| Net loans and leases to deposits | 89.8955% | 1,738 |
| Net loans and leases to core deposits | 102.0483% | 1,651 |
| Total domestic deposits to total assets | 79.9934% | 5,713 |
| Equity capital to assets | 10.9926% | 2,968 |
| Core capital (leverage) ratio | 9.7992% | 3,487 |
| Tier 1 risk-based capital ratio | 12.6455% | 4,858 |
| Total risk-based capital ratio | 13.9010% | 4,838 |
| Memoranda: | ||
| Average total assets | $230,047,500 | 2,783 |
| Average earning assets | $213,726,000 | 2,746 |
| Average equity | $23,818,750 | 2,716 |
| Average total loans | $168,647,000 | 2,537 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4036% | 409 |
| Cost of funding earning assets | 1.8280% | 1,534 |
| Net interest margin | 4.5756% | 1,050 |
| Noninterest income to average assets | 0.3829% | 5,061 |
| Noninterest expense to average assets | 2.4169% | 6,018 |
| Loan and lease loss provision to assets | 0.7347% | 1,974 |
| Net operating income to assets | 1.4894% | 928 |
| Return on assets (ROA) | 1.6787% | 653 |
| Pretax return on assets | 1.6787% | 1,092 |
| Return on Equity (ROE) | 16.5455% | 625 |
| Retained earnings to average equity (ytd only) | 3.9362% | 3,576 |
| Net charge-offs to loans | 1.7564% | 1,064 |
| Credit loss provision to net charge-offs | 57.0470% | 5,282 |
| Earnings coverage of net charge-offs (x) | 1.7268% | 4,216 |
| Efficiency ratio | 52.0767% | 7,058 |
| Assets per employee ($millions) | 4.3882% | 3,071 |
| Cash dividends to net income (ytd only)* | 76.2101% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6071% | 3,414 |
| Loan loss allowance to noncurrent loans | 239.9464% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 1.0093% | 5,129 |
| Noncurrent loans to loans | 0.6698% | 5,910 |
| Net loans and leases to total assets | 72.0405% | 2,389 |
| Net loans and leases to deposits | 90.8697% | 1,712 |
| Net loans and leases to core deposits | 103.2990% | 1,704 |
| Total domestic deposits to total assets | 79.2788% | 5,945 |
| Equity capital to assets | 10.4002% | 3,526 |
| Core capital (leverage) ratio | 9.5758% | 3,706 |
| Tier 1 risk-based capital ratio | 12.1798% | 5,146 |
| Total risk-based capital ratio | 13.4327% | 5,118 |
| Memoranda: | ||
| Average total assets | $231,373,330 | 2,786 |
| Average earning assets | $215,315,330 | 2,742 |
| Average equity | $23,474,670 | 2,748 |
| Average total loans | $169,669,670 | 2,550 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3943% | 441 |
| Cost of funding earning assets | 1.8475% | 1,669 |
| Net interest margin | 4.5468% | 1,051 |
| Noninterest income to average assets | 0.3400% | 5,423 |
| Noninterest expense to average assets | 2.3471% | 6,262 |
| Loan and lease loss provision to assets | 0.5151% | 2,438 |
| Net operating income to assets | 1.7032% | 612 |
| Return on assets (ROA) | 2.0793% | 333 |
| Pretax return on assets | 2.0793% | 523 |
| Return on Equity (ROE) | 20.7487% | 339 |
| Retained earnings to average equity (ytd only) | 3.9579% | 3,769 |
| Net charge-offs to loans | -0.0257% | 7,145 |
| Credit loss provision to net charge-offs | -2,727.2727% | 6,562 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4103% | 7,199 |
| Assets per employee ($millions) | 4.4337% | 3,069 |
| Cash dividends to net income (ytd only)* | 80.9249% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1309% | 1,888 |
| Loan loss allowance to noncurrent loans | 699.2308% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.5404% | 6,147 |
| Noncurrent loans to loans | 0.3047% | 6,714 |
| Net loans and leases to total assets | 72.4328% | 2,348 |
| Net loans and leases to deposits | 91.1013% | 1,744 |
| Net loans and leases to core deposits | 103.8074% | 1,759 |
| Total domestic deposits to total assets | 79.5080% | 5,941 |
| Equity capital to assets | 10.2198% | 3,576 |
| Core capital (leverage) ratio | 9.3200% | 4,019 |
| Tier 1 risk-based capital ratio | 11.9146% | 5,284 |
| Total risk-based capital ratio | 13.1739% | 5,231 |
| Memoranda: | ||
| Average total assets | $232,966,500 | 2,838 |
| Average earning assets | $216,505,000 | 2,786 |
| Average equity | $23,346,000 | 2,785 |
| Average total loans | $170,968,500 | 2,591 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8628% | 341 |
| Cost of funding earning assets | 2.3715% | 1,386 |
| Net interest margin | 4.4913% | 1,197 |
| Noninterest income to average assets | 0.3034% | 5,928 |
| Noninterest expense to average assets | 2.2805% | 6,802 |
| Loan and lease loss provision to assets | 0.7434% | 2,879 |
| Net operating income to assets | 1.4578% | 741 |
| Return on assets (ROA) | 1.5637% | 637 |
| Pretax return on assets | 1.5637% | 1,044 |
| Return on Equity (ROE) | 17.6891% | 391 |
| Retained earnings to average equity (ytd only) | 9.4555% | 437 |
| Net charge-offs to loans | 0.4641% | 3,925 |
| Credit loss provision to net charge-offs | 216.4619% | 1,758 |
| Earnings coverage of net charge-offs (x) | 6.4091% | 2,372 |
| Efficiency ratio | 50.8850% | 7,480 |
| Assets per employee ($millions) | 4.3589% | 3,175 |
| Cash dividends to net income (ytd only)* | 46.5461% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9410% | 2,165 |
| Loan loss allowance to noncurrent loans | 715.0538% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.5782% | 6,015 |
| Noncurrent loans to loans | 0.2714% | 6,751 |
| Net loans and leases to total assets | 71.3655% | 2,917 |
| Net loans and leases to deposits | 91.0895% | 2,032 |
| Net loans and leases to core deposits | 116.4797% | 2,267 |
| Total domestic deposits to total assets | 78.3465% | 6,157 |
| Equity capital to assets | 9.8267% | 3,975 |
| Core capital (leverage) ratio | 8.9934% | 4,434 |
| Tier 1 risk-based capital ratio | 11.4790% | 5,409 |
| Total risk-based capital ratio | 12.7356% | 5,371 |
| Memoranda: | ||
| Average total assets | $237,005,800 | 2,742 |
| Average earning assets | $220,493,800 | 2,701 |
| Average equity | $20,950,800 | 3,077 |
| Average total loans | $175,385,200 | 2,566 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9117% | 347 |
| Cost of funding earning assets | 2.4285% | 1,525 |
| Net interest margin | 4.4832% | 1,235 |
| Noninterest income to average assets | 0.3190% | 5,928 |
| Noninterest expense to average assets | 2.2352% | 6,885 |
| Loan and lease loss provision to assets | 0.6919% | 2,662 |
| Net operating income to assets | 1.5680% | 707 |
| Return on assets (ROA) | 1.6820% | 616 |
| Pretax return on assets | 1.6820% | 1,006 |
| Return on Equity (ROE) | 19.5689% | 336 |
| Retained earnings to average equity (ytd only) | 8.2980% | 1,044 |
| Net charge-offs to loans | 0.4331% | 3,513 |
| Credit loss provision to net charge-offs | 215.0087% | 2,039 |
| Earnings coverage of net charge-offs (x) | 7.0227% | 2,491 |
| Efficiency ratio | 49.7251% | 7,577 |
| Assets per employee ($millions) | 4.4180% | 2,998 |
| Cash dividends to net income (ytd only)* | 57.5960% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7209% | 2,542 |
| Loan loss allowance to noncurrent loans | 5,520.0000% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.4229% | 6,395 |
| Noncurrent loans to loans | 0.0312% | 7,437 |
| Net loans and leases to total assets | 72.6744% | 2,866 |
| Net loans and leases to deposits | 92.9367% | 2,071 |
| Net loans and leases to core deposits | 120.9091% | 2,164 |
| Total domestic deposits to total assets | 78.1977% | 6,021 |
| Equity capital to assets | 9.4659% | 4,790 |
| Core capital (leverage) ratio | 8.6623% | 5,203 |
| Tier 1 risk-based capital ratio | 10.8810% | 6,074 |
| Total risk-based capital ratio | 12.1354% | 6,030 |
| Memoranda: | ||
| Average total assets | $237,412,250 | 2,757 |
| Average earning assets | $221,145,750 | 2,707 |
| Average equity | $20,406,000 | 3,181 |
| Average total loans | $176,405,250 | 2,586 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8964% | 382 |
| Cost of funding earning assets | 2.4864% | 1,662 |
| Net interest margin | 4.4100% | 1,389 |
| Noninterest income to average assets | 0.3063% | 6,062 |
| Noninterest expense to average assets | 2.2225% | 6,998 |
| Loan and lease loss provision to assets | 0.7864% | 2,120 |
| Net operating income to assets | 1.4041% | 1,024 |
| Return on assets (ROA) | 1.4403% | 1,010 |
| Pretax return on assets | 1.4403% | 1,622 |
| Return on Equity (ROE) | 17.3473% | 545 |
| Retained earnings to average equity (ytd only) | -0.1829% | 5,267 |
| Net charge-offs to loans | 0.5998% | 2,541 |
| Credit loss provision to net charge-offs | 176.1815% | 2,600 |
| Earnings coverage of net charge-offs (x) | 4.9074% | 2,966 |
| Efficiency ratio | 50.3633% | 7,644 |
| Assets per employee ($millions) | 4.4158% | 2,903 |
| Cash dividends to net income (ytd only)* | 101.0545% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5550% | 2,930 |
| Loan loss allowance to noncurrent loans | 852.7607% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.5368% | 6,088 |
| Noncurrent loans to loans | 0.1824% | 7,060 |
| Net loans and leases to total assets | 73.8065% | 2,758 |
| Net loans and leases to deposits | 92.9832% | 2,275 |
| Net loans and leases to core deposits | 123.1254% | 2,104 |
| Total domestic deposits to total assets | 79.3761% | 5,696 |
| Equity capital to assets | 8.1488% | 6,561 |
| Core capital (leverage) ratio | 8.0137% | 6,306 |
| Tier 1 risk-based capital ratio | 10.1260% | 6,801 |
| Total risk-based capital ratio | 11.3782% | 6,721 |
| Memoranda: | ||
| Average total assets | $237,026,000 | 2,780 |
| Average earning assets | $220,723,330 | 2,737 |
| Average equity | $19,680,330 | 3,294 |
| Average total loans | $176,401,670 | 2,619 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8080% | 475 |
| Cost of funding earning assets | 2.5674% | 1,669 |
| Net interest margin | 4.2406% | 1,776 |
| Noninterest income to average assets | 0.3368% | 5,762 |
| Noninterest expense to average assets | 2.2276% | 6,777 |
| Loan and lease loss provision to assets | 0.2878% | 3,655 |
| Net operating income to assets | 1.7536% | 581 |
| Return on assets (ROA) | 1.7536% | 635 |
| Pretax return on assets | 1.7553% | 1,066 |
| Return on Equity (ROE) | 20.9240% | 368 |
| Retained earnings to average equity (ytd only) | -7.3517% | 6,835 |
| Net charge-offs to loans | 0.2694% | 3,053 |
| Credit loss provision to net charge-offs | 144.0678% | 2,856 |
| Earnings coverage of net charge-offs (x) | 10.2288% | 1,969 |
| Efficiency ratio | 52.1601% | 7,401 |
| Assets per employee ($millions) | 4.4885% | 2,736 |
| Cash dividends to net income (ytd only)* | 135.1351% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3794% | 3,619 |
| Loan loss allowance to noncurrent loans | 113.2401% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 1.3231% | 4,021 |
| Noncurrent loans to loans | 1.2181% | 4,537 |
| Net loans and leases to total assets | 71.6485% | 3,312 |
| Net loans and leases to deposits | 90.4324% | 2,862 |
| Net loans and leases to core deposits | 115.1102% | 2,901 |
| Total domestic deposits to total assets | 79.2288% | 5,633 |
| Equity capital to assets | 8.0923% | 6,683 |
| Core capital (leverage) ratio | 8.0649% | 6,362 |
| Tier 1 risk-based capital ratio | 9.9077% | 7,029 |
| Total risk-based capital ratio | 11.1577% | 6,922 |
| Memoranda: | ||
| Average total assets | $236,313,000 | 2,810 |
| Average earning assets | $219,212,000 | 2,774 |
| Average equity | $19,805,000 | 3,283 |
| Average total loans | $175,216,000 | 2,651 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3547% | 539 |
| Cost of funding earning assets | 3.0261% | 1,777 |
| Net interest margin | 4.3286% | 1,887 |
| Noninterest income to average assets | 0.4317% | 5,198 |
| Noninterest expense to average assets | 2.2499% | 6,837 |
| Loan and lease loss provision to assets | 0.2903% | 4,060 |
| Net operating income to assets | 1.8928% | 440 |
| Return on assets (ROA) | 1.8674% | 451 |
| Pretax return on assets | 1.8674% | 818 |
| Return on Equity (ROE) | 22.7283% | 228 |
| Retained earnings to average equity (ytd only) | 8.7089% | 654 |
| Net charge-offs to loans | 0.2942% | 3,436 |
| Credit loss provision to net charge-offs | 126.5060% | 4,221 |
| Earnings coverage of net charge-offs (x) | 9.5141% | 2,673 |
| Efficiency ratio | 50.7536% | 7,608 |
| Assets per employee ($millions) | 4.4278% | 2,732 |
| Cash dividends to net income (ytd only)* | 61.6827% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3634% | 3,401 |
| Loan loss allowance to noncurrent loans | 106.0687% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 1.1006% | 4,078 |
| Noncurrent loans to loans | 1.2854% | 3,943 |
| Net loans and leases to total assets | 74.6872% | 2,944 |
| Net loans and leases to deposits | 97.0605% | 2,283 |
| Net loans and leases to core deposits | 119.8797% | 2,702 |
| Total domestic deposits to total assets | 76.9491% | 6,009 |
| Equity capital to assets | 8.6846% | 5,829 |
| Core capital (leverage) ratio | 8.4386% | 5,681 |
| Tier 1 risk-based capital ratio | 10.5827% | 6,124 |
| Total risk-based capital ratio | 11.8331% | 6,022 |
| Memoranda: | ||
| Average total assets | $217,036,200 | 2,914 |
| Average earning assets | $200,619,400 | 2,887 |
| Average equity | $17,832,400 | 3,581 |
| Average total loans | $169,257,200 | 2,627 |