Home > First National Bank of Pulaski > Performance and Condition Ratios
First National Bank of Pulaski, 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 | 5.0610% | 1,949 |
| Cost of funding earning assets | 1.4964% | 1,949 |
| Net interest margin | 3.5646% | 2,036 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 2.1621% | 3,216 |
| Loan and lease loss provision to assets | -0.0700% | 4,476 |
| Net operating income to assets | 1.3151% | 1,406 |
| Return on assets (ROA) | 1.3151% | 1,368 |
| Pretax return on assets | 1.7234% | 1,014 |
| Return on Equity (ROE) | 17.8300% | 839 |
| Retained earnings to average equity (ytd only) | 17.3422% | 208 |
| Net charge-offs to loans | 0.0221% | 1,889 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 115.0266% | 838 |
| Efficiency ratio | 56.6007% | 3,435 |
| Assets per employee ($millions) | 7.3997% | 1,806 |
| Cash dividends to net income (ytd only)* | 2.7514% | 3,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3786% | 1,468 |
| Loan loss allowance to noncurrent loans | 1,731.1360% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 3,235 |
| Noncurrent loans to loans | 0.0796% | 3,150 |
| Net loans and leases to total assets | 66.2900% | 2,227 |
| Net loans and leases to deposits | 73.1610% | 2,682 |
| Net loans and leases to core deposits | 83.0354% | 2,520 |
| Total domestic deposits to total assets | 90.6200% | 597 |
| Equity capital to assets | 7.9990% | 3,418 |
| Core capital (leverage) ratio | 10.3510% | 2,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,304,432,600 | 803 |
| Average earning assets | $1,225,128,800 | 780 |
| Average equity | $96,198,600 | 974 |
| Average total loans | $852,393,000 | 826 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9409% | 1,969 |
| Cost of funding earning assets | 1.3370% | 2,042 |
| Net interest margin | 3.6039% | 2,002 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 2.1767% | 3,139 |
| Loan and lease loss provision to assets | -0.0600% | 4,495 |
| Net operating income to assets | 1.3295% | 1,474 |
| Return on assets (ROA) | 1.3295% | 1,456 |
| Pretax return on assets | 1.7425% | 1,098 |
| Return on Equity (ROE) | 18.4300% | 886 |
| Retained earnings to average equity (ytd only) | 17.7564% | 350 |
| Net charge-offs to loans | 0.0274% | 1,524 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 94.3873% | 947 |
| Efficiency ratio | 56.4699% | 3,359 |
| Assets per employee ($millions) | 7.0708% | 1,908 |
| Cash dividends to net income (ytd only)* | 3.6479% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4168% | 1,385 |
| Loan loss allowance to noncurrent loans | 1,679.0761% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 3,243 |
| Noncurrent loans to loans | 0.0844% | 3,160 |
| Net loans and leases to total assets | 66.0900% | 2,234 |
| Net loans and leases to deposits | 72.2789% | 2,694 |
| Net loans and leases to core deposits | 82.8517% | 2,407 |
| Total domestic deposits to total assets | 91.4400% | 571 |
| Equity capital to assets | 7.2010% | 3,515 |
| Core capital (leverage) ratio | 10.1244% | 2,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,297,553,250 | 808 |
| Average earning assets | $1,218,089,250 | 789 |
| Average equity | $93,612,500 | 992 |
| Average total loans | $841,651,750 | 832 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8035% | 1,987 |
| Cost of funding earning assets | 1.1693% | 2,079 |
| Net interest margin | 3.6342% | 1,963 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 2.1891% | 3,108 |
| Loan and lease loss provision to assets | -0.0700% | 4,532 |
| Net operating income to assets | 1.3473% | 1,458 |
| Return on assets (ROA) | 1.3473% | 1,447 |
| Pretax return on assets | 1.7687% | 1,073 |
| Return on Equity (ROE) | 18.6600% | 878 |
| Retained earnings to average equity (ytd only) | 17.6540% | 358 |
| Net charge-offs to loans | 0.0298% | 1,294 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 88.7984% | 997 |
| Efficiency ratio | 56.3073% | 3,377 |
| Assets per employee ($millions) | 6.9806% | 1,939 |
| Cash dividends to net income (ytd only)* | 5.4048% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4496% | 1,356 |
| Loan loss allowance to noncurrent loans | 1,307.3762% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 3,050 |
| Noncurrent loans to loans | 0.1109% | 2,928 |
| Net loans and leases to total assets | 64.2700% | 2,355 |
| Net loans and leases to deposits | 70.1841% | 2,771 |
| Net loans and leases to core deposits | 79.7410% | 2,488 |
| Total domestic deposits to total assets | 91.5800% | 492 |
| Equity capital to assets | 7.2546% | 3,660 |
| Core capital (leverage) ratio | 9.7836% | 2,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,296,397,333 | 795 |
| Average earning assets | $1,217,103,667 | 778 |
| Average equity | $93,587,667 | 988 |
| Average total loans | $831,458,667 | 825 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5942% | 2,098 |
| Cost of funding earning assets | 1.0204% | 1,979 |
| Net interest margin | 3.5738% | 2,181 |
| Noninterest income to average assets | 0.5100% | 1,809 |
| Noninterest expense to average assets | 2.1763% | 3,165 |
| Loan and lease loss provision to assets | -0.0800% | 4,558 |
| Net operating income to assets | 1.3409% | 1,566 |
| Return on assets (ROA) | 1.3409% | 1,537 |
| Pretax return on assets | 1.7696% | 1,129 |
| Return on Equity (ROE) | 18.6200% | 943 |
| Retained earnings to average equity (ytd only) | 16.5857% | 630 |
| Net charge-offs to loans | -0.0005% | 3,272 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.2330% | 3,385 |
| Assets per employee ($millions) | 7.1394% | 1,864 |
| Cash dividends to net income (ytd only)* | 10.9285% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5152% | 1,211 |
| Loan loss allowance to noncurrent loans | 1,052.2250% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.0907% | 2,903 |
| Noncurrent loans to loans | 0.1440% | 2,776 |
| Net loans and leases to total assets | 62.0100% | 2,462 |
| Net loans and leases to deposits | 67.6980% | 2,792 |
| Net loans and leases to core deposits | 76.0266% | 2,529 |
| Total domestic deposits to total assets | 91.5900% | 627 |
| Equity capital to assets | 7.2079% | 3,724 |
| Core capital (leverage) ratio | 9.6096% | 3,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,288,418,500 | 817 |
| Average earning assets | $1,210,475,500 | 796 |
| Average equity | $92,778,500 | 1,009 |
| Average total loans | $819,246,000 | 845 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8736% | 2,052 |
| Cost of funding earning assets | 0.3789% | 2,269 |
| Net interest margin | 3.4947% | 1,948 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.1437% | 3,180 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.1874% | 1,821 |
| Return on assets (ROA) | 1.1874% | 1,756 |
| Pretax return on assets | 1.5430% | 1,314 |
| Return on Equity (ROE) | 14.9300% | 1,268 |
| Retained earnings to average equity (ytd only) | 11.9104% | 686 |
| Net charge-offs to loans | 0.0102% | 1,987 |
| Credit loss provision to net charge-offs | 1,013.5135% | 423 |
| Earnings coverage of net charge-offs (x) | 261.9459% | 536 |
| Efficiency ratio | 57.1823% | 3,444 |
| Assets per employee ($millions) | 7.0569% | 1,933 |
| Cash dividends to net income (ytd only)* | 20.2385% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1672% | 2,539 |
| Loan loss allowance to noncurrent loans | 829.3345% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 2,917 |
| Noncurrent loans to loans | 0.1407% | 2,807 |
| Net loans and leases to total assets | 63.4900% | 2,288 |
| Net loans and leases to deposits | 69.2785% | 2,643 |
| Net loans and leases to core deposits | 76.2863% | 2,398 |
| Total domestic deposits to total assets | 91.6400% | 737 |
| Equity capital to assets | 7.1938% | 3,556 |
| Core capital (leverage) ratio | 10.0460% | 2,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,207,610,800 | 851 |
| Average earning assets | $1,132,046,000 | 834 |
| Average equity | $96,025,000 | 973 |
| Average total loans | $726,937,200 | 877 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7133% | 2,003 |
| Cost of funding earning assets | 0.2927% | 2,248 |
| Net interest margin | 3.4206% | 1,916 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 2.1366% | 3,108 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.1340% | 1,958 |
| Return on assets (ROA) | 1.1340% | 1,927 |
| Pretax return on assets | 1.4728% | 1,487 |
| Return on Equity (ROE) | 13.9100% | 1,452 |
| Retained earnings to average equity (ytd only) | 12.6214% | 674 |
| Net charge-offs to loans | -0.0111% | 3,747 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.8527% | 3,397 |
| Assets per employee ($millions) | 6.9411% | 1,991 |
| Cash dividends to net income (ytd only)* | 9.2682% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2536% | 2,245 |
| Loan loss allowance to noncurrent loans | 1,187.1446% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 3,225 |
| Noncurrent loans to loans | 0.1056% | 3,125 |
| Net loans and leases to total assets | 62.2800% | 2,257 |
| Net loans and leases to deposits | 67.8504% | 2,542 |
| Net loans and leases to core deposits | 71.5343% | 2,523 |
| Total domestic deposits to total assets | 91.7900% | 943 |
| Equity capital to assets | 7.0359% | 3,498 |
| Core capital (leverage) ratio | 9.9732% | 2,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,193,716,000 | 863 |
| Average earning assets | $1,118,690,000 | 849 |
| Average equity | $97,313,500 | 968 |
| Average total loans | $705,813,750 | 896 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5452% | 2,004 |
| Cost of funding earning assets | 0.2435% | 2,351 |
| Net interest margin | 3.3017% | 1,904 |
| Noninterest income to average assets | 0.4950% | 2,231 |
| Noninterest expense to average assets | 2.1331% | 3,054 |
| Loan and lease loss provision to assets | 0.1264% | 772 |
| Net operating income to assets | 1.0280% | 2,052 |
| Return on assets (ROA) | 1.0280% | 2,026 |
| Pretax return on assets | 1.3322% | 1,636 |
| Return on Equity (ROE) | 12.0478% | 1,657 |
| Retained earnings to average equity (ytd only) | 11.1175% | 766 |
| Net charge-offs to loans | -0.0079% | 3,503 |
| Credit loss provision to net charge-offs | -2,777.7778% | 3,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3891% | 3,385 |
| Assets per employee ($millions) | 6.9621% | 1,966 |
| Cash dividends to net income (ytd only)* | 7.7213% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 2,050 |
| Loan loss allowance to noncurrent loans | 869.3915% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.0914% | 3,079 |
| Noncurrent loans to loans | 0.1530% | 2,929 |
| Net loans and leases to total assets | 58.9646% | 2,443 |
| Net loans and leases to deposits | 64.5393% | 2,674 |
| Net loans and leases to core deposits | 67.1157% | 2,728 |
| Total domestic deposits to total assets | 91.3623% | 1,081 |
| Equity capital to assets | 7.6108% | 3,398 |
| Core capital (leverage) ratio | 9.9550% | 2,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,186,725,667 | 861 |
| Average earning assets | $1,113,050,000 | 857 |
| Average equity | $101,263,333 | 961 |
| Average total loans | $685,706,000 | 908 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4440% | 1,963 |
| Cost of funding earning assets | 0.2511% | 2,143 |
| Net interest margin | 3.1929% | 1,903 |
| Noninterest income to average assets | 0.4965% | 2,158 |
| Noninterest expense to average assets | 2.1041% | 3,131 |
| Loan and lease loss provision to assets | 0.1698% | 459 |
| Net operating income to assets | 0.9475% | 2,083 |
| Return on assets (ROA) | 0.9475% | 2,073 |
| Pretax return on assets | 1.2239% | 1,720 |
| Return on Equity (ROE) | 10.5222% | 1,793 |
| Retained earnings to average equity (ytd only) | 10.5222% | 901 |
| Net charge-offs to loans | -0.0090% | 3,541 |
| Credit loss provision to net charge-offs | -3,333.3333% | 3,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1553% | 3,469 |
| Assets per employee ($millions) | 7.0639% | 1,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3529% | 2,106 |
| Loan loss allowance to noncurrent loans | 918.1460% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.0854% | 3,221 |
| Noncurrent loans to loans | 0.1473% | 3,070 |
| Net loans and leases to total assets | 57.2036% | 2,388 |
| Net loans and leases to deposits | 63.1838% | 2,604 |
| Net loans and leases to core deposits | 65.1920% | 2,701 |
| Total domestic deposits to total assets | 90.5353% | 1,276 |
| Equity capital to assets | 8.3800% | 3,261 |
| Core capital (leverage) ratio | 9.9301% | 2,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,177,864,000 | 872 |
| Average earning assets | $1,107,200,000 | 862 |
| Average equity | $106,061,000 | 954 |
| Average total loans | $668,674,000 | 917 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6378% | 2,286 |
| Cost of funding earning assets | 0.3624% | 1,833 |
| Net interest margin | 3.2754% | 2,385 |
| Noninterest income to average assets | 0.6941% | 1,785 |
| Noninterest expense to average assets | 2.1991% | 3,091 |
| Loan and lease loss provision to assets | 0.0841% | 1,457 |
| Net operating income to assets | 1.1621% | 2,048 |
| Return on assets (ROA) | 1.1621% | 2,111 |
| Pretax return on assets | 1.4882% | 1,761 |
| Return on Equity (ROE) | 11.7200% | 1,908 |
| Retained earnings to average equity (ytd only) | 11.2921% | 650 |
| Net charge-offs to loans | 0.0423% | 1,425 |
| Credit loss provision to net charge-offs | 347.7444% | 993 |
| Earnings coverage of net charge-offs (x) | 65.0489% | 1,128 |
| Efficiency ratio | 58.3100% | 3,395 |
| Assets per employee ($millions) | 6.9999% | 1,928 |
| Cash dividends to net income (ytd only)* | 3.6516% | 3,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3548% | 2,111 |
| Loan loss allowance to noncurrent loans | 1,079.1411% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.0697% | 3,474 |
| Noncurrent loans to loans | 0.1255% | 3,306 |
| Net loans and leases to total assets | 54.7811% | 2,753 |
| Net loans and leases to deposits | 61.3038% | 2,955 |
| Net loans and leases to core deposits | 63.2273% | 3,052 |
| Total domestic deposits to total assets | 89.3600% | 1,317 |
| Equity capital to assets | 9.6385% | 3,006 |
| Core capital (leverage) ratio | 10.2028% | 2,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,100,516,000 | 889 |
| Average earning assets | $1,033,917,600 | 879 |
| Average equity | $109,121,000 | 945 |
| Average total loans | $628,319,200 | 964 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6692% | 2,355 |
| Cost of funding earning assets | 0.3873% | 1,805 |
| Net interest margin | 3.2819% | 2,470 |
| Noninterest income to average assets | 0.5841% | 2,281 |
| Noninterest expense to average assets | 2.2094% | 3,042 |
| Loan and lease loss provision to assets | 0.0554% | 1,878 |
| Net operating income to assets | 1.0763% | 2,635 |
| Return on assets (ROA) | 1.0763% | 2,695 |
| Pretax return on assets | 1.4012% | 2,327 |
| Return on Equity (ROE) | 10.7740% | 2,453 |
| Retained earnings to average equity (ytd only) | 10.1987% | 1,265 |
| Net charge-offs to loans | -0.0210% | 3,984 |
| Credit loss provision to net charge-offs | -459.1837% | 3,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2672% | 2,946 |
| Assets per employee ($millions) | 6.4625% | 2,286 |
| Cash dividends to net income (ytd only)* | 5.3396% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3593% | 2,182 |
| Loan loss allowance to noncurrent loans | 757.7661% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.1138% | 3,348 |
| Noncurrent loans to loans | 0.1794% | 3,234 |
| Net loans and leases to total assets | 56.6915% | 2,651 |
| Net loans and leases to deposits | 63.7577% | 2,877 |
| Net loans and leases to core deposits | 66.4741% | 2,911 |
| Total domestic deposits to total assets | 88.9171% | 1,331 |
| Equity capital to assets | 10.0157% | 2,886 |
| Core capital (leverage) ratio | 10.0301% | 2,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,083,398,250 | 910 |
| Average earning assets | $1,017,381,250 | 900 |
| Average equity | $108,233,000 | 963 |
| Average total loans | $623,104,250 | 988 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6495% | 2,472 |
| Cost of funding earning assets | 0.4107% | 1,796 |
| Net interest margin | 3.2388% | 2,642 |
| Noninterest income to average assets | 0.5922% | 2,255 |
| Noninterest expense to average assets | 2.2024% | 3,088 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0748% | 2,628 |
| Return on assets (ROA) | 1.0748% | 2,700 |
| Pretax return on assets | 1.4264% | 2,254 |
| Return on Equity (ROE) | 10.7686% | 2,505 |
| Retained earnings to average equity (ytd only) | 9.8973% | 1,427 |
| Net charge-offs to loans | -0.0353% | 4,222 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6917% | 2,917 |
| Assets per employee ($millions) | 6.3432% | 2,293 |
| Cash dividends to net income (ytd only)* | 8.0908% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3522% | 2,177 |
| Loan loss allowance to noncurrent loans | 662.2490% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 3,411 |
| Noncurrent loans to loans | 0.2042% | 3,228 |
| Net loans and leases to total assets | 54.4969% | 3,078 |
| Net loans and leases to deposits | 61.1748% | 3,286 |
| Net loans and leases to core deposits | 63.8393% | 3,299 |
| Total domestic deposits to total assets | 89.0839% | 1,237 |
| Equity capital to assets | 9.8928% | 2,955 |
| Core capital (leverage) ratio | 9.8507% | 2,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,074,012,667 | 912 |
| Average earning assets | $1,006,979,667 | 905 |
| Average equity | $107,200,667 | 964 |
| Average total loans | $617,858,667 | 993 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5960% | 2,650 |
| Cost of funding earning assets | 0.4426% | 1,778 |
| Net interest margin | 3.1534% | 2,831 |
| Noninterest income to average assets | 0.5771% | 2,302 |
| Noninterest expense to average assets | 2.1814% | 3,164 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0219% | 2,741 |
| Return on assets (ROA) | 1.0219% | 2,823 |
| Pretax return on assets | 1.3501% | 2,431 |
| Return on Equity (ROE) | 10.1915% | 2,628 |
| Retained earnings to average equity (ytd only) | 8.4326% | 2,115 |
| Net charge-offs to loans | 0.0013% | 1,895 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 1,787.5000% | 47 |
| Efficiency ratio | 61.7688% | 2,797 |
| Assets per employee ($millions) | 6.4775% | 2,194 |
| Cash dividends to net income (ytd only)* | 17.2579% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3228% | 2,333 |
| Loan loss allowance to noncurrent loans | 675.0207% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.1240% | 3,557 |
| Noncurrent loans to loans | 0.1960% | 3,409 |
| Net loans and leases to total assets | 56.0942% | 3,026 |
| Net loans and leases to deposits | 62.9088% | 3,228 |
| Net loans and leases to core deposits | 65.7159% | 3,268 |
| Total domestic deposits to total assets | 89.1675% | 1,256 |
| Equity capital to assets | 9.7906% | 2,907 |
| Core capital (leverage) ratio | 9.9856% | 2,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,059,159,500 | 913 |
| Average earning assets | $992,338,000 | 903 |
| Average equity | $106,206,500 | 963 |
| Average total loans | $621,919,000 | 986 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0739% | 2,497 |
| Cost of funding earning assets | 0.6710% | 1,871 |
| Net interest margin | 3.4030% | 2,773 |
| Noninterest income to average assets | 0.6613% | 1,983 |
| Noninterest expense to average assets | 2.3490% | 3,276 |
| Loan and lease loss provision to assets | 0.1683% | 2,283 |
| Net operating income to assets | 1.0439% | 2,125 |
| Return on assets (ROA) | 1.0849% | 2,103 |
| Pretax return on assets | 1.3860% | 1,702 |
| Return on Equity (ROE) | 10.2471% | 1,912 |
| Retained earnings to average equity (ytd only) | 7.1244% | 1,350 |
| Net charge-offs to loans | 0.0529% | 2,033 |
| Credit loss provision to net charge-offs | 515.9236% | 1,227 |
| Earnings coverage of net charge-offs (x) | 46.0669% | 1,277 |
| Efficiency ratio | 60.9908% | 3,316 |
| Assets per employee ($millions) | 6.2070% | 2,159 |
| Cash dividends to net income (ytd only)* | 30.4739% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2937% | 2,442 |
| Loan loss allowance to noncurrent loans | 563.0450% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 3,517 |
| Noncurrent loans to loans | 0.2298% | 3,379 |
| Net loans and leases to total assets | 59.8868% | 2,876 |
| Net loans and leases to deposits | 67.5672% | 3,126 |
| Net loans and leases to core deposits | 70.8760% | 3,184 |
| Total domestic deposits to total assets | 88.6329% | 1,150 |
| Equity capital to assets | 10.2746% | 2,855 |
| Core capital (leverage) ratio | 10.2355% | 2,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $962,794,600 | 909 |
| Average earning assets | $902,567,400 | 897 |
| Average equity | $101,931,400 | 947 |
| Average total loans | $593,229,200 | 990 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1382% | 2,561 |
| Cost of funding earning assets | 0.7208% | 1,902 |
| Net interest margin | 3.4174% | 2,856 |
| Noninterest income to average assets | 0.6588% | 1,950 |
| Noninterest expense to average assets | 2.4007% | 3,128 |
| Loan and lease loss provision to assets | 0.1694% | 2,304 |
| Net operating income to assets | 1.0065% | 2,317 |
| Return on assets (ROA) | 1.0622% | 2,234 |
| Pretax return on assets | 1.3643% | 1,838 |
| Return on Equity (ROE) | 9.9520% | 2,032 |
| Retained earnings to average equity (ytd only) | 8.1039% | 1,271 |
| Net charge-offs to loans | 0.0479% | 1,925 |
| Credit loss provision to net charge-offs | 571.4286% | 1,188 |
| Earnings coverage of net charge-offs (x) | 49.3524% | 1,201 |
| Efficiency ratio | 62.1310% | 3,053 |
| Assets per employee ($millions) | 5.8626% | 2,388 |
| Cash dividends to net income (ytd only)* | 18.5697% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2763% | 2,261 |
| Loan loss allowance to noncurrent loans | 484.5105% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.1862% | 3,503 |
| Noncurrent loans to loans | 0.2634% | 3,351 |
| Net loans and leases to total assets | 61.0518% | 3,108 |
| Net loans and leases to deposits | 69.2799% | 3,370 |
| Net loans and leases to core deposits | 73.4075% | 3,363 |
| Total domestic deposits to total assets | 88.1234% | 1,162 |
| Equity capital to assets | 10.6873% | 2,634 |
| Core capital (leverage) ratio | 10.4988% | 2,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $944,349,500 | 918 |
| Average earning assets | $885,710,250 | 903 |
| Average equity | $100,788,250 | 949 |
| Average total loans | $584,309,500 | 996 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2080% | 2,737 |
| Cost of funding earning assets | 0.7773% | 1,953 |
| Net interest margin | 3.4307% | 3,003 |
| Noninterest income to average assets | 0.6025% | 2,117 |
| Noninterest expense to average assets | 2.4242% | 3,190 |
| Loan and lease loss provision to assets | 0.1626% | 2,376 |
| Net operating income to assets | 0.9659% | 2,438 |
| Return on assets (ROA) | 1.0507% | 2,280 |
| Pretax return on assets | 1.3399% | 1,903 |
| Return on Equity (ROE) | 9.8498% | 2,030 |
| Retained earnings to average equity (ytd only) | 7.9706% | 1,317 |
| Net charge-offs to loans | 0.0703% | 1,546 |
| Credit loss provision to net charge-offs | 373.7624% | 1,464 |
| Earnings coverage of net charge-offs (x) | 32.0743% | 1,381 |
| Efficiency ratio | 63.4739% | 2,888 |
| Assets per employee ($millions) | 5.7848% | 2,390 |
| Cash dividends to net income (ytd only)* | 19.0779% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2402% | 2,307 |
| Loan loss allowance to noncurrent loans | 438.9417% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.1871% | 3,599 |
| Noncurrent loans to loans | 0.2825% | 3,369 |
| Net loans and leases to total assets | 60.4972% | 3,267 |
| Net loans and leases to deposits | 68.6756% | 3,510 |
| Net loans and leases to core deposits | 73.0082% | 3,517 |
| Total domestic deposits to total assets | 88.0912% | 1,128 |
| Equity capital to assets | 10.6315% | 2,639 |
| Core capital (leverage) ratio | 10.4779% | 2,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $928,873,667 | 916 |
| Average earning assets | $870,959,333 | 896 |
| Average equity | $99,088,667 | 953 |
| Average total loans | $574,843,667 | 997 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3549% | 2,759 |
| Cost of funding earning assets | 0.8408% | 2,164 |
| Net interest margin | 3.5140% | 2,931 |
| Noninterest income to average assets | 0.6392% | 1,868 |
| Noninterest expense to average assets | 2.4664% | 3,370 |
| Loan and lease loss provision to assets | 0.2204% | 1,402 |
| Net operating income to assets | 0.9658% | 2,297 |
| Return on assets (ROA) | 1.1395% | 1,829 |
| Pretax return on assets | 1.4719% | 1,380 |
| Return on Equity (ROE) | 10.6629% | 1,509 |
| Retained earnings to average equity (ytd only) | 8.7448% | 1,038 |
| Net charge-offs to loans | 0.0765% | 1,257 |
| Credit loss provision to net charge-offs | 462.9630% | 920 |
| Earnings coverage of net charge-offs (x) | 30.9259% | 1,159 |
| Efficiency ratio | 62.6189% | 3,424 |
| Assets per employee ($millions) | 5.3750% | 2,249 |
| Cash dividends to net income (ytd only)* | 17.9884% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2744% | 2,260 |
| Loan loss allowance to noncurrent loans | 336.3763% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.2484% | 3,459 |
| Noncurrent loans to loans | 0.3789% | 3,128 |
| Net loans and leases to total assets | 60.8692% | 3,414 |
| Net loans and leases to deposits | 69.1624% | 3,650 |
| Net loans and leases to core deposits | 73.8735% | 3,644 |
| Total domestic deposits to total assets | 88.0092% | 1,103 |
| Equity capital to assets | 10.6691% | 3,178 |
| Core capital (leverage) ratio | 10.8190% | 2,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $907,388,000 | 905 |
| Average earning assets | $852,011,500 | 886 |
| Average equity | $96,972,000 | 967 |
| Average total loans | $564,604,500 | 989 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5953% | 2,633 |
| Cost of funding earning assets | 0.8258% | 2,551 |
| Net interest margin | 3.7695% | 2,614 |
| Noninterest income to average assets | 0.6229% | 2,118 |
| Noninterest expense to average assets | 2.4928% | 3,471 |
| Loan and lease loss provision to assets | 0.0535% | 2,960 |
| Net operating income to assets | 1.2405% | 1,904 |
| Return on assets (ROA) | 1.2405% | 1,986 |
| Pretax return on assets | 1.6047% | 1,476 |
| Return on Equity (ROE) | 11.5468% | 1,671 |
| Retained earnings to average equity (ytd only) | 5.1484% | 2,340 |
| Net charge-offs to loans | -0.0337% | 4,734 |
| Credit loss provision to net charge-offs | -247.3404% | 4,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0527% | 3,682 |
| Assets per employee ($millions) | 5.1475% | 2,399 |
| Cash dividends to net income (ytd only)* | 55.4133% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2142% | 2,350 |
| Loan loss allowance to noncurrent loans | 410.9507% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.2138% | 3,608 |
| Noncurrent loans to loans | 0.2955% | 3,369 |
| Net loans and leases to total assets | 62.0434% | 3,397 |
| Net loans and leases to deposits | 70.5395% | 3,628 |
| Net loans and leases to core deposits | 75.6105% | 3,606 |
| Total domestic deposits to total assets | 87.9556% | 1,145 |
| Equity capital to assets | 10.7052% | 3,251 |
| Core capital (leverage) ratio | 10.8696% | 2,621 |
| Tier 1 risk-based capital ratio | 14.4401% | 3,050 |
| Total risk-based capital ratio | 15.4863% | 3,067 |
| Memoranda: | ||
| Average total assets | $868,951,800 | 906 |
| Average earning assets | $813,280,200 | 893 |
| Average equity | $93,350,200 | 947 |
| Average total loans | $557,847,000 | 966 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6353% | 2,615 |
| Cost of funding earning assets | 0.8104% | 2,656 |
| Net interest margin | 3.8249% | 2,515 |
| Noninterest income to average assets | 0.6286% | 2,077 |
| Noninterest expense to average assets | 2.4873% | 3,474 |
| Loan and lease loss provision to assets | 0.1028% | 1,864 |
| Net operating income to assets | 1.2444% | 2,032 |
| Return on assets (ROA) | 1.2444% | 2,114 |
| Pretax return on assets | 1.6151% | 1,584 |
| Return on Equity (ROE) | 11.5733% | 1,772 |
| Retained earnings to average equity (ytd only) | 9.5629% | 877 |
| Net charge-offs to loans | 0.0869% | 1,608 |
| Credit loss provision to net charge-offs | 183.1956% | 1,412 |
| Earnings coverage of net charge-offs (x) | 30.6059% | 1,605 |
| Efficiency ratio | 59.1484% | 3,786 |
| Assets per employee ($millions) | 5.0135% | 2,549 |
| Cash dividends to net income (ytd only)* | 17.3707% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1426% | 2,812 |
| Loan loss allowance to noncurrent loans | 255.7837% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.6830% | 1,988 |
| Noncurrent loans to loans | 0.4467% | 2,968 |
| Net loans and leases to total assets | 64.2558% | 3,262 |
| Net loans and leases to deposits | 73.4738% | 3,522 |
| Net loans and leases to core deposits | 79.2513% | 3,447 |
| Total domestic deposits to total assets | 87.4541% | 1,284 |
| Equity capital to assets | 11.2247% | 2,901 |
| Core capital (leverage) ratio | 11.2128% | 2,463 |
| Tier 1 risk-based capital ratio | 14.4964% | 3,076 |
| Total risk-based capital ratio | 15.4744% | 3,114 |
| Memoranda: | ||
| Average total assets | $862,275,250 | 909 |
| Average earning assets | $806,320,500 | 897 |
| Average equity | $92,717,250 | 954 |
| Average total loans | $556,677,000 | 969 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6048% | 2,664 |
| Cost of funding earning assets | 0.7759% | 2,766 |
| Net interest margin | 3.8289% | 2,485 |
| Noninterest income to average assets | 0.6066% | 2,118 |
| Noninterest expense to average assets | 2.4897% | 3,512 |
| Loan and lease loss provision to assets | 0.0582% | 2,662 |
| Net operating income to assets | 1.2607% | 1,915 |
| Return on assets (ROA) | 1.2607% | 1,980 |
| Pretax return on assets | 1.6393% | 1,427 |
| Return on Equity (ROE) | 11.9011% | 1,616 |
| Retained earnings to average equity (ytd only) | 9.8502% | 803 |
| Net charge-offs to loans | 0.0174% | 2,531 |
| Credit loss provision to net charge-offs | 520.8333% | 581 |
| Earnings coverage of net charge-offs (x) | 151.8750% | 493 |
| Efficiency ratio | 59.4595% | 3,801 |
| Assets per employee ($millions) | 5.0524% | 2,414 |
| Cash dividends to net income (ytd only)* | 17.2331% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 2,850 |
| Loan loss allowance to noncurrent loans | 362.4432% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.6001% | 2,224 |
| Noncurrent loans to loans | 0.3143% | 3,413 |
| Net loans and leases to total assets | 64.0733% | 3,330 |
| Net loans and leases to deposits | 72.9831% | 3,601 |
| Net loans and leases to core deposits | 78.6056% | 3,531 |
| Total domestic deposits to total assets | 87.7920% | 1,198 |
| Equity capital to assets | 11.0120% | 3,040 |
| Core capital (leverage) ratio | 11.1277% | 2,483 |
| Tier 1 risk-based capital ratio | 14.5265% | 3,057 |
| Total risk-based capital ratio | 15.5137% | 3,097 |
| Memoranda: | ||
| Average total assets | $858,915,670 | 909 |
| Average earning assets | $803,213,330 | 897 |
| Average equity | $90,983,330 | 965 |
| Average total loans | $553,230,330 | 971 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5414% | 2,731 |
| Cost of funding earning assets | 0.7324% | 2,874 |
| Net interest margin | 3.8090% | 2,492 |
| Noninterest income to average assets | 0.5544% | 2,263 |
| Noninterest expense to average assets | 2.4853% | 3,553 |
| Loan and lease loss provision to assets | 0.0420% | 2,794 |
| Net operating income to assets | 1.2214% | 1,982 |
| Return on assets (ROA) | 1.2214% | 2,028 |
| Pretax return on assets | 1.5857% | 1,510 |
| Return on Equity (ROE) | 11.7654% | 1,629 |
| Retained earnings to average equity (ytd only) | 9.6777% | 1,115 |
| Net charge-offs to loans | 0.0378% | 1,731 |
| Credit loss provision to net charge-offs | 173.0769% | 1,141 |
| Earnings coverage of net charge-offs (x) | 67.0192% | 863 |
| Efficiency ratio | 60.4247% | 3,751 |
| Assets per employee ($millions) | 5.0668% | 2,440 |
| Cash dividends to net income (ytd only)* | 17.7438% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 2,932 |
| Loan loss allowance to noncurrent loans | 303.6150% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.6174% | 2,224 |
| Noncurrent loans to loans | 0.3742% | 3,243 |
| Net loans and leases to total assets | 62.7910% | 3,423 |
| Net loans and leases to deposits | 71.2163% | 3,665 |
| Net loans and leases to core deposits | 76.1907% | 3,648 |
| Total domestic deposits to total assets | 88.1694% | 1,248 |
| Equity capital to assets | 10.5831% | 3,270 |
| Core capital (leverage) ratio | 10.8683% | 2,689 |
| Tier 1 risk-based capital ratio | 14.4747% | 3,109 |
| Total risk-based capital ratio | 15.4574% | 3,164 |
| Memoranda: | ||
| Average total assets | $856,389,500 | 916 |
| Average earning assets | $800,112,500 | 901 |
| Average equity | $88,905,000 | 976 |
| Average total loans | $549,869,500 | 987 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4178% | 2,706 |
| Cost of funding earning assets | 0.5879% | 2,804 |
| Net interest margin | 3.8299% | 2,560 |
| Noninterest income to average assets | 0.6318% | 2,146 |
| Noninterest expense to average assets | 2.5525% | 3,459 |
| Loan and lease loss provision to assets | 0.1004% | 2,181 |
| Net operating income to assets | 1.2174% | 2,097 |
| Return on assets (ROA) | 1.2176% | 2,087 |
| Pretax return on assets | 1.5470% | 1,633 |
| Return on Equity (ROE) | 12.1508% | 1,662 |
| Retained earnings to average equity (ytd only) | 8.4253% | 1,074 |
| Net charge-offs to loans | -0.0196% | 4,694 |
| Credit loss provision to net charge-offs | -826.7327% | 4,710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7793% | 3,731 |
| Assets per employee ($millions) | 4.9215% | 2,589 |
| Cash dividends to net income (ytd only)* | 30.6606% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 2,991 |
| Loan loss allowance to noncurrent loans | 249.1731% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.6778% | 2,029 |
| Noncurrent loans to loans | 0.4486% | 2,931 |
| Net loans and leases to total assets | 64.1859% | 3,337 |
| Net loans and leases to deposits | 72.5126% | 3,626 |
| Net loans and leases to core deposits | 77.4583% | 3,615 |
| Total domestic deposits to total assets | 88.5168% | 1,064 |
| Equity capital to assets | 10.1773% | 3,494 |
| Core capital (leverage) ratio | 10.7825% | 2,753 |
| Tier 1 risk-based capital ratio | 14.0870% | 3,252 |
| Total risk-based capital ratio | 15.0630% | 3,309 |
| Memoranda: | ||
| Average total assets | $831,697,600 | 920 |
| Average earning assets | $774,779,000 | 905 |
| Average equity | $83,344,000 | 993 |
| Average total loans | $515,254,200 | 1,016 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3614% | 2,757 |
| Cost of funding earning assets | 0.5484% | 2,869 |
| Net interest margin | 3.8129% | 2,597 |
| Noninterest income to average assets | 0.6394% | 2,122 |
| Noninterest expense to average assets | 2.5416% | 3,472 |
| Loan and lease loss provision to assets | 0.0161% | 3,690 |
| Net operating income to assets | 1.2429% | 2,069 |
| Return on assets (ROA) | 1.2432% | 2,076 |
| Pretax return on assets | 1.6317% | 1,485 |
| Return on Equity (ROE) | 12.4561% | 1,619 |
| Retained earnings to average equity (ytd only) | 10.1875% | 862 |
| Net charge-offs to loans | -0.0277% | 4,720 |
| Credit loss provision to net charge-offs | -95.2381% | 4,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6714% | 3,708 |
| Assets per employee ($millions) | 4.7361% | 2,800 |
| Cash dividends to net income (ytd only)* | 18.2124% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0271% | 3,606 |
| Loan loss allowance to noncurrent loans | 256.6447% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.6608% | 2,210 |
| Noncurrent loans to loans | 0.4002% | 3,218 |
| Net loans and leases to total assets | 62.9543% | 3,550 |
| Net loans and leases to deposits | 70.9712% | 3,849 |
| Net loans and leases to core deposits | 76.4858% | 3,770 |
| Total domestic deposits to total assets | 88.7039% | 956 |
| Equity capital to assets | 10.0771% | 3,562 |
| Core capital (leverage) ratio | 10.7849% | 2,811 |
| Tier 1 risk-based capital ratio | 14.4069% | 3,164 |
| Total risk-based capital ratio | 15.2955% | 3,256 |
| Memoranda: | ||
| Average total assets | $826,767,500 | 925 |
| Average earning assets | $769,680,250 | 913 |
| Average equity | $82,517,250 | 1,002 |
| Average total loans | $505,901,000 | 1,034 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2703% | 2,868 |
| Cost of funding earning assets | 0.5062% | 2,967 |
| Net interest margin | 3.7641% | 2,698 |
| Noninterest income to average assets | 0.6528% | 2,081 |
| Noninterest expense to average assets | 2.5482% | 3,485 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2284% | 2,069 |
| Return on assets (ROA) | 1.2284% | 2,068 |
| Pretax return on assets | 1.6075% | 1,480 |
| Return on Equity (ROE) | 12.3477% | 1,602 |
| Retained earnings to average equity (ytd only) | 10.0581% | 911 |
| Net charge-offs to loans | -0.0362% | 4,808 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3180% | 3,723 |
| Assets per employee ($millions) | 4.6333% | 2,920 |
| Cash dividends to net income (ytd only)* | 18.5427% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0466% | 3,554 |
| Loan loss allowance to noncurrent loans | 239.3803% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.6806% | 2,202 |
| Noncurrent loans to loans | 0.4372% | 3,127 |
| Net loans and leases to total assets | 61.1134% | 3,697 |
| Net loans and leases to deposits | 68.7885% | 3,961 |
| Net loans and leases to core deposits | 72.7150% | 3,964 |
| Total domestic deposits to total assets | 88.8425% | 1,000 |
| Equity capital to assets | 10.0395% | 3,583 |
| Core capital (leverage) ratio | 10.5118% | 3,019 |
| Tier 1 risk-based capital ratio | 14.4043% | 3,158 |
| Total risk-based capital ratio | 15.2960% | 3,258 |
| Memoranda: | ||
| Average total assets | $824,504,670 | 928 |
| Average earning assets | $767,302,000 | 917 |
| Average equity | $82,023,670 | 1,005 |
| Average total loans | $497,799,670 | 1,053 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1624% | 3,019 |
| Cost of funding earning assets | 0.4767% | 2,992 |
| Net interest margin | 3.6857% | 2,857 |
| Noninterest income to average assets | 0.6652% | 1,978 |
| Noninterest expense to average assets | 2.5308% | 3,559 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2004% | 2,002 |
| Return on assets (ROA) | 1.2004% | 2,015 |
| Pretax return on assets | 1.5667% | 1,480 |
| Return on Equity (ROE) | 12.1221% | 1,537 |
| Retained earnings to average equity (ytd only) | 9.8241% | 1,218 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7644% | 3,828 |
| Assets per employee ($millions) | 4.8250% | 2,705 |
| Cash dividends to net income (ytd only)* | 18.9572% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 3,596 |
| Loan loss allowance to noncurrent loans | 166.9108% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.7774% | 2,020 |
| Noncurrent loans to loans | 0.6358% | 2,636 |
| Net loans and leases to total assets | 58.5403% | 3,887 |
| Net loans and leases to deposits | 65.6549% | 4,110 |
| Net loans and leases to core deposits | 69.0736% | 4,142 |
| Total domestic deposits to total assets | 89.1636% | 1,019 |
| Equity capital to assets | 9.7486% | 3,840 |
| Core capital (leverage) ratio | 10.3811% | 3,079 |
| Tier 1 risk-based capital ratio | 14.5087% | 3,114 |
| Total risk-based capital ratio | 15.4138% | 3,218 |
| Memoranda: | ||
| Average total assets | $824,392,500 | 931 |
| Average earning assets | $767,724,500 | 923 |
| Average equity | $81,636,000 | 1,018 |
| Average total loans | $492,024,000 | 1,070 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1750% | 2,785 |
| Cost of funding earning assets | 0.4616% | 2,676 |
| Net interest margin | 3.7133% | 2,745 |
| Noninterest income to average assets | 0.7223% | 1,874 |
| Noninterest expense to average assets | 2.5255% | 3,696 |
| Loan and lease loss provision to assets | 0.0443% | 3,356 |
| Net operating income to assets | 0.8787% | 2,824 |
| Return on assets (ROA) | 0.8709% | 2,882 |
| Pretax return on assets | 1.5844% | 1,339 |
| Return on Equity (ROE) | 8.4901% | 2,552 |
| Retained earnings to average equity (ytd only) | 5.0127% | 2,117 |
| Net charge-offs to loans | 0.0448% | 2,893 |
| Credit loss provision to net charge-offs | 166.6667% | 1,607 |
| Earnings coverage of net charge-offs (x) | 61.7762% | 938 |
| Efficiency ratio | 60.6151% | 4,169 |
| Assets per employee ($millions) | 4.7329% | 2,817 |
| Cash dividends to net income (ytd only)* | 40.9586% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0693% | 3,504 |
| Loan loss allowance to noncurrent loans | 163.4238% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.8238% | 1,893 |
| Noncurrent loans to loans | 0.6543% | 2,584 |
| Net loans and leases to total assets | 59.5675% | 3,869 |
| Net loans and leases to deposits | 67.2415% | 4,087 |
| Net loans and leases to core deposits | 70.2862% | 4,156 |
| Total domestic deposits to total assets | 88.5875% | 1,202 |
| Equity capital to assets | 10.0604% | 3,634 |
| Core capital (leverage) ratio | 10.3362% | 3,034 |
| Tier 1 risk-based capital ratio | 14.3805% | 3,151 |
| Total risk-based capital ratio | 15.2993% | 3,232 |
| Memoranda: | ||
| Average total assets | $790,579,800 | 943 |
| Average earning assets | $733,273,200 | 936 |
| Average equity | $81,094,400 | 999 |
| Average total loans | $468,414,800 | 1,090 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1577% | 2,767 |
| Cost of funding earning assets | 0.4569% | 2,646 |
| Net interest margin | 3.7009% | 2,761 |
| Noninterest income to average assets | 0.7340% | 1,854 |
| Noninterest expense to average assets | 2.5238% | 3,655 |
| Loan and lease loss provision to assets | 0.0255% | 3,625 |
| Net operating income to assets | 1.0720% | 2,220 |
| Return on assets (ROA) | 1.0720% | 2,268 |
| Pretax return on assets | 1.6174% | 1,361 |
| Return on Equity (ROE) | 10.3986% | 1,950 |
| Retained earnings to average equity (ytd only) | 8.0696% | 1,188 |
| Net charge-offs to loans | -0.0058% | 4,488 |
| Credit loss provision to net charge-offs | -750.0000% | 4,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5717% | 4,124 |
| Assets per employee ($millions) | 4.6230% | 2,942 |
| Cash dividends to net income (ytd only)* | 22.3965% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1099% | 3,433 |
| Loan loss allowance to noncurrent loans | 153.6287% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.8468% | 2,030 |
| Noncurrent loans to loans | 0.7224% | 2,552 |
| Net loans and leases to total assets | 59.0654% | 3,958 |
| Net loans and leases to deposits | 67.1278% | 4,173 |
| Net loans and leases to core deposits | 69.6441% | 4,258 |
| Total domestic deposits to total assets | 87.9894% | 1,368 |
| Equity capital to assets | 10.5831% | 3,277 |
| Core capital (leverage) ratio | 10.6031% | 2,876 |
| Tier 1 risk-based capital ratio | 14.8160% | 3,008 |
| Total risk-based capital ratio | 15.7585% | 3,089 |
| Memoranda: | ||
| Average total assets | $784,711,250 | 956 |
| Average earning assets | $727,849,500 | 948 |
| Average equity | $80,893,750 | 1,005 |
| Average total loans | $462,980,250 | 1,105 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1229% | 2,754 |
| Cost of funding earning assets | 0.4504% | 2,597 |
| Net interest margin | 3.6724% | 2,747 |
| Noninterest income to average assets | 0.7401% | 1,810 |
| Noninterest expense to average assets | 2.5237% | 3,678 |
| Loan and lease loss provision to assets | 0.0384% | 3,244 |
| Net operating income to assets | 1.0506% | 2,203 |
| Return on assets (ROA) | 1.0506% | 2,245 |
| Pretax return on assets | 1.5844% | 1,391 |
| Return on Equity (ROE) | 10.2847% | 1,917 |
| Retained earnings to average equity (ytd only) | 7.9240% | 1,196 |
| Net charge-offs to loans | -0.0240% | 4,843 |
| Credit loss provision to net charge-offs | -272.7273% | 4,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8631% | 4,186 |
| Assets per employee ($millions) | 4.6033% | 2,939 |
| Cash dividends to net income (ytd only)* | 22.9532% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1347% | 3,398 |
| Loan loss allowance to noncurrent loans | 170.3371% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.8385% | 2,116 |
| Noncurrent loans to loans | 0.6661% | 2,752 |
| Net loans and leases to total assets | 58.0537% | 4,027 |
| Net loans and leases to deposits | 65.7489% | 4,240 |
| Net loans and leases to core deposits | 68.1565% | 4,341 |
| Total domestic deposits to total assets | 88.2960% | 1,309 |
| Equity capital to assets | 10.3783% | 3,476 |
| Core capital (leverage) ratio | 10.4704% | 2,949 |
| Tier 1 risk-based capital ratio | 14.8484% | 2,992 |
| Total risk-based capital ratio | 15.8192% | 3,045 |
| Memoranda: | ||
| Average total assets | $781,232,330 | 965 |
| Average earning assets | $724,640,670 | 957 |
| Average equity | $79,808,000 | 1,016 |
| Average total loans | $458,997,670 | 1,113 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0543% | 2,834 |
| Cost of funding earning assets | 0.4476% | 2,546 |
| Net interest margin | 3.6067% | 2,867 |
| Noninterest income to average assets | 0.7879% | 1,599 |
| Noninterest expense to average assets | 2.5603% | 3,624 |
| Loan and lease loss provision to assets | 0.0259% | 3,237 |
| Net operating income to assets | 1.0154% | 2,244 |
| Return on assets (ROA) | 1.0154% | 2,297 |
| Pretax return on assets | 1.5469% | 1,385 |
| Return on Equity (ROE) | 10.0221% | 1,950 |
| Retained earnings to average equity (ytd only) | 7.6186% | 1,606 |
| Net charge-offs to loans | -0.0537% | 5,215 |
| Credit loss provision to net charge-offs | -81.9672% | 3,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9465% | 4,154 |
| Assets per employee ($millions) | 4.5767% | 3,048 |
| Cash dividends to net income (ytd only)* | 23.9817% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1528% | 3,399 |
| Loan loss allowance to noncurrent loans | 159.7303% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.8708% | 2,126 |
| Noncurrent loans to loans | 0.7217% | 2,689 |
| Net loans and leases to total assets | 56.7727% | 4,092 |
| Net loans and leases to deposits | 64.1767% | 4,295 |
| Net loans and leases to core deposits | 66.4050% | 4,403 |
| Total domestic deposits to total assets | 88.4631% | 1,449 |
| Equity capital to assets | 10.1213% | 3,602 |
| Core capital (leverage) ratio | 10.4520% | 2,958 |
| Tier 1 risk-based capital ratio | 15.0840% | 2,928 |
| Total risk-based capital ratio | 16.0729% | 2,981 |
| Memoranda: | ||
| Average total assets | $773,660,000 | 972 |
| Average earning assets | $717,560,500 | 963 |
| Average equity | $78,387,000 | 1,031 |
| Average total loans | $454,680,500 | 1,117 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0447% | 3,046 |
| Cost of funding earning assets | 0.4490% | 2,544 |
| Net interest margin | 3.5957% | 3,078 |
| Noninterest income to average assets | 0.7145% | 2,102 |
| Noninterest expense to average assets | 2.5800% | 3,740 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9721% | 2,483 |
| Return on assets (ROA) | 1.0029% | 2,446 |
| Pretax return on assets | 1.5111% | 1,551 |
| Return on Equity (ROE) | 9.6978% | 2,108 |
| Retained earnings to average equity (ytd only) | 5.5944% | 1,951 |
| Net charge-offs to loans | 0.0185% | 3,693 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 137.4875% | 456 |
| Efficiency ratio | 63.7905% | 3,976 |
| Assets per employee ($millions) | 4.4452% | 3,197 |
| Cash dividends to net income (ytd only)* | 42.3128% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1156% | 3,622 |
| Loan loss allowance to noncurrent loans | 155.3289% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.9046% | 2,095 |
| Noncurrent loans to loans | 0.7182% | 2,742 |
| Net loans and leases to total assets | 59.4818% | 3,909 |
| Net loans and leases to deposits | 67.3165% | 4,144 |
| Net loans and leases to core deposits | 70.1517% | 4,234 |
| Total domestic deposits to total assets | 88.3615% | 1,460 |
| Equity capital to assets | 10.1431% | 3,558 |
| Core capital (leverage) ratio | 10.4671% | 2,911 |
| Tier 1 risk-based capital ratio | 14.9139% | 3,004 |
| Total risk-based capital ratio | 15.8895% | 3,070 |
| Memoranda: | ||
| Average total assets | $751,047,600 | 965 |
| Average earning assets | $695,559,400 | 959 |
| Average equity | $77,667,400 | 1,020 |
| Average total loans | $433,199,000 | 1,126 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0192% | 3,149 |
| Cost of funding earning assets | 0.4418% | 2,619 |
| Net interest margin | 3.5774% | 3,170 |
| Noninterest income to average assets | 0.6939% | 2,195 |
| Noninterest expense to average assets | 2.5825% | 3,722 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9481% | 2,662 |
| Return on assets (ROA) | 1.0073% | 2,536 |
| Pretax return on assets | 1.5159% | 1,664 |
| Return on Equity (ROE) | 9.6936% | 2,190 |
| Retained earnings to average equity (ytd only) | 6.4275% | 1,952 |
| Net charge-offs to loans | 0.0165% | 3,395 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 151.1237% | 460 |
| Efficiency ratio | 64.4234% | 3,863 |
| Assets per employee ($millions) | 4.3578% | 3,318 |
| Cash dividends to net income (ytd only)* | 33.6928% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1265% | 3,692 |
| Loan loss allowance to noncurrent loans | 86.3445% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 1.2316% | 1,602 |
| Noncurrent loans to loans | 1.3046% | 1,704 |
| Net loans and leases to total assets | 59.7038% | 3,916 |
| Net loans and leases to deposits | 67.9271% | 4,161 |
| Net loans and leases to core deposits | 70.7625% | 4,265 |
| Total domestic deposits to total assets | 87.8939% | 1,453 |
| Equity capital to assets | 10.6879% | 3,366 |
| Core capital (leverage) ratio | 10.5410% | 2,947 |
| Tier 1 risk-based capital ratio | 15.0432% | 3,032 |
| Total risk-based capital ratio | 16.0396% | 3,090 |
| Memoranda: | ||
| Average total assets | $748,778,000 | 967 |
| Average earning assets | $693,785,750 | 961 |
| Average equity | $77,809,250 | 1,026 |
| Average total loans | $427,189,250 | 1,145 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9905% | 3,272 |
| Cost of funding earning assets | 0.4343% | 2,701 |
| Net interest margin | 3.5562% | 3,274 |
| Noninterest income to average assets | 0.6621% | 2,322 |
| Noninterest expense to average assets | 2.5430% | 3,904 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9387% | 2,686 |
| Return on assets (ROA) | 1.0256% | 2,409 |
| Pretax return on assets | 1.5436% | 1,546 |
| Return on Equity (ROE) | 9.9653% | 2,068 |
| Retained earnings to average equity (ytd only) | 6.2247% | 2,002 |
| Net charge-offs to loans | -0.0053% | 4,539 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2997% | 3,963 |
| Assets per employee ($millions) | 4.4080% | 3,203 |
| Cash dividends to net income (ytd only)* | 37.5359% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 3,452 |
| Loan loss allowance to noncurrent loans | 83.8501% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 1.2709% | 1,606 |
| Noncurrent loans to loans | 1.4090% | 1,580 |
| Net loans and leases to total assets | 57.9507% | 4,120 |
| Net loans and leases to deposits | 65.8700% | 4,358 |
| Net loans and leases to core deposits | 68.5965% | 4,428 |
| Total domestic deposits to total assets | 87.9774% | 1,442 |
| Equity capital to assets | 10.5332% | 3,598 |
| Core capital (leverage) ratio | 10.2775% | 3,235 |
| Tier 1 risk-based capital ratio | 15.1446% | 3,009 |
| Total risk-based capital ratio | 16.1782% | 3,050 |
| Memoranda: | ||
| Average total assets | $747,070,670 | 968 |
| Average earning assets | $691,743,670 | 965 |
| Average equity | $76,887,000 | 1,036 |
| Average total loans | $417,840,670 | 1,165 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9216% | 3,505 |
| Cost of funding earning assets | 0.4265% | 2,800 |
| Net interest margin | 3.4951% | 3,492 |
| Noninterest income to average assets | 0.6306% | 2,365 |
| Noninterest expense to average assets | 2.5214% | 4,007 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8896% | 2,806 |
| Return on assets (ROA) | 1.0248% | 2,298 |
| Pretax return on assets | 1.5481% | 1,442 |
| Return on Equity (ROE) | 10.0759% | 1,953 |
| Retained earnings to average equity (ytd only) | 7.6030% | 1,619 |
| Net charge-offs to loans | -0.0364% | 5,160 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2421% | 3,937 |
| Assets per employee ($millions) | 4.4818% | 3,103 |
| Cash dividends to net income (ytd only)* | 24.5421% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2682% | 3,062 |
| Loan loss allowance to noncurrent loans | 78.8694% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 1.3271% | 1,611 |
| Noncurrent loans to loans | 1.6079% | 1,436 |
| Net loans and leases to total assets | 53.9534% | 4,458 |
| Net loans and leases to deposits | 61.1070% | 4,641 |
| Net loans and leases to core deposits | 63.5827% | 4,721 |
| Total domestic deposits to total assets | 88.2933% | 1,474 |
| Equity capital to assets | 10.2406% | 3,808 |
| Core capital (leverage) ratio | 10.2638% | 3,245 |
| Tier 1 risk-based capital ratio | 15.4895% | 2,923 |
| Total risk-based capital ratio | 16.5649% | 2,951 |
| Memoranda: | ||
| Average total assets | $745,924,000 | 966 |
| Average earning assets | $690,221,500 | 959 |
| Average equity | $75,864,500 | 1,050 |
| Average total loans | $407,034,000 | 1,190 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9838% | 3,365 |
| Cost of funding earning assets | 0.4441% | 2,691 |
| Net interest margin | 3.5398% | 3,376 |
| Noninterest income to average assets | 0.7060% | 2,171 |
| Noninterest expense to average assets | 2.5294% | 4,131 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9584% | 2,581 |
| Return on assets (ROA) | 0.9626% | 2,637 |
| Pretax return on assets | 1.4508% | 1,719 |
| Return on Equity (ROE) | 9.7089% | 2,128 |
| Retained earnings to average equity (ytd only) | 6.0374% | 1,777 |
| Net charge-offs to loans | 0.0830% | 2,648 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 32.9226% | 1,359 |
| Efficiency ratio | 63.6519% | 4,338 |
| Assets per employee ($millions) | 4.4246% | 3,164 |
| Cash dividends to net income (ytd only)* | 37.8157% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2869% | 2,981 |
| Loan loss allowance to noncurrent loans | 81.1052% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 1.3324% | 1,590 |
| Noncurrent loans to loans | 1.5866% | 1,447 |
| Net loans and leases to total assets | 53.7864% | 4,531 |
| Net loans and leases to deposits | 60.9085% | 4,708 |
| Net loans and leases to core deposits | 63.1296% | 4,791 |
| Total domestic deposits to total assets | 88.3069% | 1,472 |
| Equity capital to assets | 10.0991% | 3,860 |
| Core capital (leverage) ratio | 10.2015% | 3,261 |
| Tier 1 risk-based capital ratio | 15.5094% | 2,924 |
| Total risk-based capital ratio | 16.5992% | 2,955 |
| Memoranda: | ||
| Average total assets | $736,215,400 | 937 |
| Average earning assets | $679,645,000 | 936 |
| Average equity | $72,994,800 | 1,046 |
| Average total loans | $389,338,600 | 1,187 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9753% | 3,439 |
| Cost of funding earning assets | 0.4502% | 2,683 |
| Net interest margin | 3.5251% | 3,444 |
| Noninterest income to average assets | 0.7457% | 2,044 |
| Noninterest expense to average assets | 2.5508% | 4,044 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9600% | 2,670 |
| Return on assets (ROA) | 0.9643% | 2,734 |
| Pretax return on assets | 1.4559% | 1,814 |
| Return on Equity (ROE) | 9.7718% | 2,191 |
| Retained earnings to average equity (ytd only) | 6.8623% | 1,750 |
| Net charge-offs to loans | -0.0214% | 5,227 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7665% | 4,292 |
| Assets per employee ($millions) | 4.2614% | 3,399 |
| Cash dividends to net income (ytd only)* | 29.7745% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4110% | 2,542 |
| Loan loss allowance to noncurrent loans | 85.5255% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 1.4170% | 1,617 |
| Noncurrent loans to loans | 1.6498% | 1,492 |
| Net loans and leases to total assets | 53.0593% | 4,660 |
| Net loans and leases to deposits | 60.0067% | 4,857 |
| Net loans and leases to core deposits | 62.1764% | 4,928 |
| Total domestic deposits to total assets | 88.4223% | 1,323 |
| Equity capital to assets | 10.2231% | 3,902 |
| Core capital (leverage) ratio | 10.1294% | 3,461 |
| Tier 1 risk-based capital ratio | 15.5047% | 3,046 |
| Total risk-based capital ratio | 16.6845% | 3,007 |
| Memoranda: | ||
| Average total assets | $735,543,250 | 946 |
| Average earning assets | $679,079,750 | 948 |
| Average equity | $72,587,750 | 1,056 |
| Average total loans | $386,020,500 | 1,195 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9582% | 3,453 |
| Cost of funding earning assets | 0.4545% | 2,672 |
| Net interest margin | 3.5037% | 3,481 |
| Noninterest income to average assets | 0.8167% | 1,712 |
| Noninterest expense to average assets | 2.5603% | 4,039 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9826% | 2,491 |
| Return on assets (ROA) | 0.9872% | 2,566 |
| Pretax return on assets | 1.4962% | 1,655 |
| Return on Equity (ROE) | 10.1245% | 2,015 |
| Retained earnings to average equity (ytd only) | 7.0217% | 1,699 |
| Net charge-offs to loans | -0.0454% | 5,512 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2260% | 4,480 |
| Assets per employee ($millions) | 4.2427% | 3,397 |
| Cash dividends to net income (ytd only)* | 30.6465% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4141% | 2,691 |
| Loan loss allowance to noncurrent loans | 89.2561% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 1.4266% | 1,752 |
| Noncurrent loans to loans | 1.5844% | 1,658 |
| Net loans and leases to total assets | 53.1037% | 4,648 |
| Net loans and leases to deposits | 59.7383% | 4,871 |
| Net loans and leases to core deposits | 61.8600% | 4,952 |
| Total domestic deposits to total assets | 88.8938% | 1,191 |
| Equity capital to assets | 9.8653% | 4,192 |
| Core capital (leverage) ratio | 9.8770% | 3,767 |
| Tier 1 risk-based capital ratio | 14.7686% | 3,494 |
| Total risk-based capital ratio | 15.9164% | 3,474 |
| Memoranda: | ||
| Average total assets | $736,402,000 | 946 |
| Average earning assets | $679,446,000 | 951 |
| Average equity | $71,806,330 | 1,071 |
| Average total loans | $383,203,000 | 1,203 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9378% | 3,467 |
| Cost of funding earning assets | 0.4636% | 2,640 |
| Net interest margin | 3.4743% | 3,533 |
| Noninterest income to average assets | 0.9127% | 1,346 |
| Noninterest expense to average assets | 2.5808% | 3,996 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0146% | 2,196 |
| Return on assets (ROA) | 1.0146% | 2,331 |
| Pretax return on assets | 1.5347% | 1,442 |
| Return on Equity (ROE) | 10.4665% | 1,805 |
| Retained earnings to average equity (ytd only) | 6.8695% | 2,070 |
| Net charge-offs to loans | -0.0827% | 5,766 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7092% | 4,669 |
| Assets per employee ($millions) | 4.3084% | 3,354 |
| Cash dividends to net income (ytd only)* | 34.3666% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4651% | 2,593 |
| Loan loss allowance to noncurrent loans | 89.1408% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 1.4169% | 1,869 |
| Noncurrent loans to loans | 1.6436% | 1,693 |
| Net loans and leases to total assets | 50.6589% | 4,781 |
| Net loans and leases to deposits | 56.9086% | 4,989 |
| Net loans and leases to core deposits | 59.0139% | 5,063 |
| Total domestic deposits to total assets | 89.0180% | 1,255 |
| Equity capital to assets | 9.8548% | 4,318 |
| Core capital (leverage) ratio | 9.6999% | 4,012 |
| Tier 1 risk-based capital ratio | 14.9063% | 3,481 |
| Total risk-based capital ratio | 16.0836% | 3,462 |
| Memoranda: | ||
| Average total assets | $737,608,500 | 943 |
| Average earning assets | $679,965,500 | 945 |
| Average equity | $71,504,500 | 1,076 |
| Average total loans | $377,121,500 | 1,223 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0676% | 3,445 |
| Cost of funding earning assets | 0.5297% | 2,393 |
| Net interest margin | 3.5379% | 3,646 |
| Noninterest income to average assets | 0.6735% | 2,436 |
| Noninterest expense to average assets | 2.5413% | 4,419 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9043% | 2,852 |
| Return on assets (ROA) | 0.9459% | 2,739 |
| Pretax return on assets | 1.4368% | 1,764 |
| Return on Equity (ROE) | 10.1633% | 2,040 |
| Retained earnings to average equity (ytd only) | 6.5197% | 1,630 |
| Net charge-offs to loans | 0.1428% | 2,605 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 19.2671% | 1,793 |
| Efficiency ratio | 64.9118% | 4,419 |
| Assets per employee ($millions) | 4.2194% | 3,507 |
| Cash dividends to net income (ytd only)* | 35.8507% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4746% | 2,588 |
| Loan loss allowance to noncurrent loans | 74.0581% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 1.6514% | 1,632 |
| Noncurrent loans to loans | 1.9911% | 1,396 |
| Net loans and leases to total assets | 50.0907% | 4,966 |
| Net loans and leases to deposits | 56.1865% | 5,172 |
| Net loans and leases to core deposits | 58.1984% | 5,252 |
| Total domestic deposits to total assets | 89.1507% | 1,145 |
| Equity capital to assets | 9.5319% | 4,686 |
| Core capital (leverage) ratio | 9.7796% | 3,863 |
| Tier 1 risk-based capital ratio | 15.5333% | 3,217 |
| Total risk-based capital ratio | 16.7643% | 3,157 |
| Memoranda: | ||
| Average total assets | $719,519,800 | 933 |
| Average earning assets | $659,230,400 | 936 |
| Average equity | $66,966,600 | 1,105 |
| Average total loans | $359,346,400 | 1,233 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1038% | 3,354 |
| Cost of funding earning assets | 0.5376% | 2,392 |
| Net interest margin | 3.5662% | 3,571 |
| Noninterest income to average assets | 0.6847% | 2,405 |
| Noninterest expense to average assets | 2.5222% | 4,458 |
| Loan and lease loss provision to assets | 0.0093% | 4,237 |
| Net operating income to assets | 0.9295% | 2,782 |
| Return on assets (ROA) | 0.9853% | 2,583 |
| Pretax return on assets | 1.5032% | 1,633 |
| Return on Equity (ROE) | 10.6522% | 1,926 |
| Retained earnings to average equity (ytd only) | 7.8009% | 1,448 |
| Net charge-offs to loans | 0.1315% | 2,480 |
| Credit loss provision to net charge-offs | 14.2450% | 3,647 |
| Earnings coverage of net charge-offs (x) | 21.8432% | 1,656 |
| Efficiency ratio | 63.8503% | 4,576 |
| Assets per employee ($millions) | 4.0321% | 3,807 |
| Cash dividends to net income (ytd only)* | 26.7674% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5765% | 2,390 |
| Loan loss allowance to noncurrent loans | 70.4635% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 1.9171% | 1,523 |
| Noncurrent loans to loans | 2.2374% | 1,355 |
| Net loans and leases to total assets | 50.5733% | 4,938 |
| Net loans and leases to deposits | 56.9023% | 5,181 |
| Net loans and leases to core deposits | 58.9052% | 5,275 |
| Total domestic deposits to total assets | 88.8775% | 1,314 |
| Equity capital to assets | 9.7171% | 4,537 |
| Core capital (leverage) ratio | 9.7513% | 3,993 |
| Tier 1 risk-based capital ratio | 15.7007% | 3,211 |
| Total risk-based capital ratio | 16.9512% | 3,151 |
| Memoranda: | ||
| Average total assets | $715,857,250 | 946 |
| Average earning assets | $655,511,000 | 947 |
| Average equity | $66,213,250 | 1,115 |
| Average total loans | $355,869,250 | 1,248 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0803% | 3,426 |
| Cost of funding earning assets | 0.5393% | 2,442 |
| Net interest margin | 3.5411% | 3,608 |
| Noninterest income to average assets | 0.6874% | 2,344 |
| Noninterest expense to average assets | 2.4895% | 4,609 |
| Loan and lease loss provision to assets | 0.0139% | 3,980 |
| Net operating income to assets | 0.9393% | 2,603 |
| Return on assets (ROA) | 0.9393% | 2,711 |
| Pretax return on assets | 1.4267% | 1,796 |
| Return on Equity (ROE) | 10.3256% | 1,998 |
| Retained earnings to average equity (ytd only) | 7.4462% | 1,541 |
| Net charge-offs to loans | 0.1272% | 2,394 |
| Credit loss provision to net charge-offs | 22.2222% | 3,170 |
| Earnings coverage of net charge-offs (x) | 23.0267% | 1,482 |
| Efficiency ratio | 63.3437% | 4,794 |
| Assets per employee ($millions) | 4.2154% | 3,432 |
| Cash dividends to net income (ytd only)* | 27.8863% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6358% | 2,341 |
| Loan loss allowance to noncurrent loans | 77.5830% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 1.7972% | 1,802 |
| Noncurrent loans to loans | 2.1084% | 1,577 |
| Net loans and leases to total assets | 48.7349% | 5,112 |
| Net loans and leases to deposits | 54.5676% | 5,318 |
| Net loans and leases to core deposits | 56.5140% | 5,376 |
| Total domestic deposits to total assets | 89.3110% | 1,201 |
| Equity capital to assets | 9.4210% | 4,819 |
| Core capital (leverage) ratio | 9.4203% | 4,443 |
| Tier 1 risk-based capital ratio | 15.4167% | 3,404 |
| Total risk-based capital ratio | 16.6677% | 3,343 |
| Memoranda: | ||
| Average total assets | $719,272,000 | 943 |
| Average earning assets | $658,671,330 | 942 |
| Average equity | $65,429,330 | 1,118 |
| Average total loans | $353,636,330 | 1,243 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0227% | 3,598 |
| Cost of funding earning assets | 0.5467% | 2,451 |
| Net interest margin | 3.4760% | 3,799 |
| Noninterest income to average assets | 0.6413% | 2,510 |
| Noninterest expense to average assets | 2.5091% | 4,594 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8679% | 2,805 |
| Return on assets (ROA) | 0.8679% | 2,873 |
| Pretax return on assets | 1.3111% | 2,059 |
| Return on Equity (ROE) | 9.7150% | 2,146 |
| Retained earnings to average equity (ytd only) | 6.7924% | 2,150 |
| Net charge-offs to loans | 0.0102% | 3,418 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 261.6667% | 181 |
| Efficiency ratio | 65.6806% | 4,579 |
| Assets per employee ($millions) | 4.3134% | 3,315 |
| Cash dividends to net income (ytd only)* | 30.0834% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7057% | 2,335 |
| Loan loss allowance to noncurrent loans | 75.0062% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 1.9065% | 1,807 |
| Noncurrent loans to loans | 2.2741% | 1,578 |
| Net loans and leases to total assets | 47.4951% | 5,187 |
| Net loans and leases to deposits | 53.2422% | 5,354 |
| Net loans and leases to core deposits | 55.1378% | 5,426 |
| Total domestic deposits to total assets | 89.2058% | 1,526 |
| Equity capital to assets | 8.9214% | 5,199 |
| Core capital (leverage) ratio | 9.3753% | 4,470 |
| Tier 1 risk-based capital ratio | 15.1135% | 3,647 |
| Total risk-based capital ratio | 16.3649% | 3,599 |
| Memoranda: | ||
| Average total assets | $718,494,500 | 947 |
| Average earning assets | $657,071,000 | 945 |
| Average equity | $64,189,500 | 1,139 |
| Average total loans | $351,886,500 | 1,249 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1809% | 3,411 |
| Cost of funding earning assets | 0.6135% | 2,539 |
| Net interest margin | 3.5674% | 3,610 |
| Noninterest income to average assets | 0.6246% | 2,947 |
| Noninterest expense to average assets | 2.5151% | 4,721 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9065% | 2,744 |
| Return on assets (ROA) | 0.9447% | 2,661 |
| Pretax return on assets | 1.4265% | 1,698 |
| Return on Equity (ROE) | 10.2486% | 2,011 |
| Retained earnings to average equity (ytd only) | 6.4443% | 1,718 |
| Net charge-offs to loans | 0.2826% | 2,282 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 9.7303% | 2,468 |
| Efficiency ratio | 64.7612% | 4,779 |
| Assets per employee ($millions) | 4.1649% | 3,513 |
| Cash dividends to net income (ytd only)* | 37.1202% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7116% | 2,365 |
| Loan loss allowance to noncurrent loans | 76.0587% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 1.9570% | 1,845 |
| Noncurrent loans to loans | 2.2504% | 1,722 |
| Net loans and leases to total assets | 48.8014% | 5,212 |
| Net loans and leases to deposits | 54.7784% | 5,401 |
| Net loans and leases to core deposits | 56.7329% | 5,481 |
| Total domestic deposits to total assets | 89.0888% | 1,565 |
| Equity capital to assets | 8.9467% | 5,104 |
| Core capital (leverage) ratio | 9.3873% | 4,425 |
| Tier 1 risk-based capital ratio | 14.9442% | 3,703 |
| Total risk-based capital ratio | 16.1958% | 3,649 |
| Memoranda: | ||
| Average total assets | $693,214,600 | 953 |
| Average earning assets | $633,289,000 | 957 |
| Average equity | $63,901,400 | 1,120 |
| Average total loans | $345,020,800 | 1,241 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1921% | 3,416 |
| Cost of funding earning assets | 0.6226% | 2,627 |
| Net interest margin | 3.5695% | 3,580 |
| Noninterest income to average assets | 0.6609% | 2,822 |
| Noninterest expense to average assets | 2.5459% | 4,573 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9101% | 2,779 |
| Return on assets (ROA) | 0.9614% | 2,639 |
| Pretax return on assets | 1.4534% | 1,753 |
| Return on Equity (ROE) | 10.3515% | 2,049 |
| Retained earnings to average equity (ytd only) | 7.4035% | 1,684 |
| Net charge-offs to loans | 0.1817% | 2,776 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 15.2010% | 1,884 |
| Efficiency ratio | 64.9211% | 4,662 |
| Assets per employee ($millions) | 4.0228% | 3,783 |
| Cash dividends to net income (ytd only)* | 28.4794% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8636% | 2,105 |
| Loan loss allowance to noncurrent loans | 77.3627% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 2.1407% | 1,865 |
| Noncurrent loans to loans | 2.4089% | 1,820 |
| Net loans and leases to total assets | 49.6508% | 5,180 |
| Net loans and leases to deposits | 56.0003% | 5,374 |
| Net loans and leases to core deposits | 58.1043% | 5,443 |
| Total domestic deposits to total assets | 88.6616% | 1,742 |
| Equity capital to assets | 9.1207% | 5,025 |
| Core capital (leverage) ratio | 9.5161% | 4,373 |
| Tier 1 risk-based capital ratio | 15.0162% | 3,747 |
| Total risk-based capital ratio | 16.2694% | 3,691 |
| Memoranda: | ||
| Average total assets | $689,512,000 | 972 |
| Average earning assets | $629,838,500 | 968 |
| Average equity | $64,040,500 | 1,136 |
| Average total loans | $343,390,250 | 1,242 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1880% | 3,419 |
| Cost of funding earning assets | 0.6268% | 2,715 |
| Net interest margin | 3.5612% | 3,521 |
| Noninterest income to average assets | 0.6575% | 2,872 |
| Noninterest expense to average assets | 2.5387% | 4,598 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9168% | 2,713 |
| Return on assets (ROA) | 0.9168% | 2,852 |
| Pretax return on assets | 1.3739% | 2,024 |
| Return on Equity (ROE) | 9.8118% | 2,274 |
| Retained earnings to average equity (ytd only) | 6.8717% | 1,949 |
| Net charge-offs to loans | 0.1337% | 3,040 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 20.7500% | 1,444 |
| Efficiency ratio | 64.8853% | 4,724 |
| Assets per employee ($millions) | 3.9972% | 3,808 |
| Cash dividends to net income (ytd only)* | 29.9652% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9521% | 1,962 |
| Loan loss allowance to noncurrent loans | 79.1759% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 2.1922% | 1,970 |
| Noncurrent loans to loans | 2.4655% | 1,890 |
| Net loans and leases to total assets | 49.4158% | 5,173 |
| Net loans and leases to deposits | 55.7104% | 5,370 |
| Net loans and leases to core deposits | 57.8129% | 5,438 |
| Total domestic deposits to total assets | 88.7013% | 1,780 |
| Equity capital to assets | 9.2475% | 4,926 |
| Core capital (leverage) ratio | 9.3479% | 4,475 |
| Tier 1 risk-based capital ratio | 15.0680% | 3,738 |
| Total risk-based capital ratio | 16.3225% | 3,699 |
| Memoranda: | ||
| Average total assets | $688,706,330 | 966 |
| Average earning assets | $629,505,670 | 973 |
| Average equity | $64,351,000 | 1,128 |
| Average total loans | $341,163,000 | 1,245 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1411% | 3,553 |
| Cost of funding earning assets | 0.6380% | 2,761 |
| Net interest margin | 3.5031% | 3,680 |
| Noninterest income to average assets | 0.6029% | 3,120 |
| Noninterest expense to average assets | 2.5133% | 4,708 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8716% | 2,797 |
| Return on assets (ROA) | 0.8716% | 2,947 |
| Pretax return on assets | 1.2952% | 2,247 |
| Return on Equity (ROE) | 9.2806% | 2,361 |
| Retained earnings to average equity (ytd only) | 6.3580% | 2,481 |
| Net charge-offs to loans | 0.1891% | 2,278 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 13.9500% | 1,489 |
| Efficiency ratio | 65.9912% | 4,660 |
| Assets per employee ($millions) | 4.1003% | 3,743 |
| Cash dividends to net income (ytd only)* | 31.4913% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0354% | 1,954 |
| Loan loss allowance to noncurrent loans | 76.7382% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 2.2337% | 2,088 |
| Noncurrent loans to loans | 2.6524% | 1,943 |
| Net loans and leases to total assets | 47.1739% | 5,314 |
| Net loans and leases to deposits | 53.1729% | 5,507 |
| Net loans and leases to core deposits | 55.3086% | 5,579 |
| Total domestic deposits to total assets | 88.7180% | 1,859 |
| Equity capital to assets | 9.3379% | 5,083 |
| Core capital (leverage) ratio | 9.1276% | 4,676 |
| Tier 1 risk-based capital ratio | 14.9626% | 3,864 |
| Total risk-based capital ratio | 16.2175% | 3,825 |
| Memoranda: | ||
| Average total assets | $689,300,000 | 975 |
| Average earning assets | $630,748,000 | 984 |
| Average equity | $64,737,500 | 1,137 |
| Average total loans | $338,491,000 | 1,251 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6493% | 2,798 |
| Cost of funding earning assets | 0.7367% | 3,197 |
| Net interest margin | 3.9126% | 2,775 |
| Noninterest income to average assets | 0.6701% | 2,880 |
| Noninterest expense to average assets | 2.6819% | 4,469 |
| Loan and lease loss provision to assets | 0.0759% | 4,773 |
| Net operating income to assets | 0.9839% | 2,410 |
| Return on assets (ROA) | 1.0906% | 2,158 |
| Pretax return on assets | 1.6326% | 1,299 |
| Return on Equity (ROE) | 11.5676% | 1,633 |
| Retained earnings to average equity (ytd only) | 8.0398% | 1,108 |
| Net charge-offs to loans | 0.2867% | 3,228 |
| Credit loss provision to net charge-offs | 51.1247% | 4,674 |
| Earnings coverage of net charge-offs (x) | 10.4305% | 2,142 |
| Efficiency ratio | 63.3848% | 4,999 |
| Assets per employee ($millions) | 4.1057% | 3,724 |
| Cash dividends to net income (ytd only)* | 30.4971% | 3,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0485% | 1,897 |
| Loan loss allowance to noncurrent loans | 68.8121% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 2.5001% | 1,950 |
| Noncurrent loans to loans | 2.9770% | 1,755 |
| Net loans and leases to total assets | 49.0547% | 5,301 |
| Net loans and leases to deposits | 55.5071% | 5,492 |
| Net loans and leases to core deposits | 57.8940% | 5,555 |
| Total domestic deposits to total assets | 88.3756% | 1,979 |
| Equity capital to assets | 9.4468% | 4,940 |
| Core capital (leverage) ratio | 9.2747% | 4,459 |
| Tier 1 risk-based capital ratio | 14.7131% | 3,886 |
| Total risk-based capital ratio | 15.9685% | 3,838 |
| Memoranda: | ||
| Average total assets | $658,449,400 | 1,000 |
| Average earning assets | $599,297,000 | 1,004 |
| Average equity | $62,078,600 | 1,151 |
| Average total loans | $341,177,800 | 1,240 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7658% | 2,522 |
| Cost of funding earning assets | 0.7455% | 3,384 |
| Net interest margin | 4.0203% | 2,412 |
| Noninterest income to average assets | 0.6882% | 2,769 |
| Noninterest expense to average assets | 2.7505% | 4,170 |
| Loan and lease loss provision to assets | 0.1021% | 4,300 |
| Net operating income to assets | 0.9949% | 2,537 |
| Return on assets (ROA) | 1.1385% | 2,148 |
| Pretax return on assets | 1.7064% | 1,255 |
| Return on Equity (ROE) | 12.0816% | 1,605 |
| Retained earnings to average equity (ytd only) | 10.0677% | 899 |
| Net charge-offs to loans | 0.3306% | 2,809 |
| Credit loss provision to net charge-offs | 59.1017% | 4,166 |
| Earnings coverage of net charge-offs (x) | 9.2246% | 2,351 |
| Efficiency ratio | 63.3064% | 4,924 |
| Assets per employee ($millions) | 3.8430% | 4,207 |
| Cash dividends to net income (ytd only)* | 16.6697% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0766% | 1,962 |
| Loan loss allowance to noncurrent loans | 72.2149% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 2.5238% | 2,092 |
| Noncurrent loans to loans | 2.8755% | 1,952 |
| Net loans and leases to total assets | 50.8231% | 5,210 |
| Net loans and leases to deposits | 57.7976% | 5,448 |
| Net loans and leases to core deposits | 60.2389% | 5,532 |
| Total domestic deposits to total assets | 87.9330% | 2,084 |
| Equity capital to assets | 9.7669% | 4,825 |
| Core capital (leverage) ratio | 9.3890% | 4,451 |
| Tier 1 risk-based capital ratio | 14.7327% | 4,024 |
| Total risk-based capital ratio | 15.9885% | 3,982 |
| Memoranda: | ||
| Average total assets | $652,676,500 | 1,017 |
| Average earning assets | $593,601,250 | 1,021 |
| Average equity | $61,502,250 | 1,166 |
| Average total loans | $341,142,250 | 1,246 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8459% | 2,322 |
| Cost of funding earning assets | 0.7538% | 3,577 |
| Net interest margin | 4.0921% | 2,125 |
| Noninterest income to average assets | 0.6859% | 2,743 |
| Noninterest expense to average assets | 2.6866% | 4,478 |
| Loan and lease loss provision to assets | 0.1354% | 3,833 |
| Net operating income to assets | 1.0516% | 2,244 |
| Return on assets (ROA) | 1.2633% | 1,703 |
| Pretax return on assets | 1.9034% | 839 |
| Return on Equity (ROE) | 13.5740% | 1,210 |
| Retained earnings to average equity (ytd only) | 11.8049% | 616 |
| Net charge-offs to loans | 0.4241% | 2,341 |
| Credit loss provision to net charge-offs | 60.9418% | 3,774 |
| Earnings coverage of net charge-offs (x) | 7.7327% | 2,428 |
| Efficiency ratio | 60.9935% | 5,422 |
| Assets per employee ($millions) | 3.8622% | 4,164 |
| Cash dividends to net income (ytd only)* | 13.0329% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1064% | 1,983 |
| Loan loss allowance to noncurrent loans | 87.3072% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 2.3008% | 2,433 |
| Noncurrent loans to loans | 2.4127% | 2,494 |
| Net loans and leases to total assets | 50.5808% | 5,285 |
| Net loans and leases to deposits | 57.2793% | 5,528 |
| Net loans and leases to core deposits | 59.4497% | 5,653 |
| Total domestic deposits to total assets | 88.3055% | 1,954 |
| Equity capital to assets | 9.4979% | 5,061 |
| Core capital (leverage) ratio | 9.1886% | 4,627 |
| Tier 1 risk-based capital ratio | 14.4762% | 4,117 |
| Total risk-based capital ratio | 15.7323% | 4,076 |
| Memoranda: | ||
| Average total assets | $649,902,000 | 1,019 |
| Average earning assets | $590,603,330 | 1,021 |
| Average equity | $60,483,330 | 1,182 |
| Average total loans | $340,501,330 | 1,247 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7937% | 2,664 |
| Cost of funding earning assets | 0.7691% | 3,703 |
| Net interest margin | 4.0246% | 2,402 |
| Noninterest income to average assets | 0.6360% | 3,017 |
| Noninterest expense to average assets | 2.7079% | 4,392 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0445% | 2,311 |
| Return on assets (ROA) | 1.4712% | 1,207 |
| Pretax return on assets | 2.2307% | 513 |
| Return on Equity (ROE) | 15.9767% | 807 |
| Retained earnings to average equity (ytd only) | 13.3285% | 638 |
| Net charge-offs to loans | 0.3446% | 2,271 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 8.7133% | 1,925 |
| Efficiency ratio | 63.0909% | 5,086 |
| Assets per employee ($millions) | 3.9182% | 4,167 |
| Cash dividends to net income (ytd only)* | 16.5753% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1263% | 2,034 |
| Loan loss allowance to noncurrent loans | 74.2807% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 2.5707% | 2,300 |
| Noncurrent loans to loans | 2.8625% | 2,254 |
| Net loans and leases to total assets | 50.4887% | 5,235 |
| Net loans and leases to deposits | 56.9759% | 5,489 |
| Net loans and leases to core deposits | 59.3030% | 5,596 |
| Total domestic deposits to total assets | 88.6141% | 1,946 |
| Equity capital to assets | 9.0989% | 5,358 |
| Core capital (leverage) ratio | 9.1862% | 4,543 |
| Tier 1 risk-based capital ratio | 14.0794% | 4,412 |
| Total risk-based capital ratio | 15.3355% | 4,378 |
| Memoranda: | ||
| Average total assets | $644,637,500 | 1,024 |
| Average earning assets | $585,605,500 | 1,028 |
| Average equity | $59,361,500 | 1,194 |
| Average total loans | $340,132,500 | 1,244 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1380% | 2,299 |
| Cost of funding earning assets | 0.9426% | 3,769 |
| Net interest margin | 4.1954% | 2,078 |
| Noninterest income to average assets | 0.7918% | 2,109 |
| Noninterest expense to average assets | 2.9055% | 3,939 |
| Loan and lease loss provision to assets | 0.2345% | 3,857 |
| Net operating income to assets | 0.9857% | 2,254 |
| Return on assets (ROA) | 1.0005% | 2,340 |
| Pretax return on assets | 1.4525% | 1,621 |
| Return on Equity (ROE) | 11.0729% | 1,674 |
| Retained earnings to average equity (ytd only) | 7.8226% | 1,144 |
| Net charge-offs to loans | 0.5751% | 2,726 |
| Credit loss provision to net charge-offs | 73.4107% | 4,722 |
| Earnings coverage of net charge-offs (x) | 5.2134% | 2,867 |
| Efficiency ratio | 63.5623% | 5,203 |
| Assets per employee ($millions) | 3.7794% | 4,370 |
| Cash dividends to net income (ytd only)* | 29.3540% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1796% | 1,837 |
| Loan loss allowance to noncurrent loans | 77.6911% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 2.6343% | 2,308 |
| Noncurrent loans to loans | 2.8055% | 2,337 |
| Net loans and leases to total assets | 52.8007% | 5,187 |
| Net loans and leases to deposits | 59.8975% | 5,492 |
| Net loans and leases to core deposits | 62.5999% | 5,589 |
| Total domestic deposits to total assets | 88.1518% | 2,059 |
| Equity capital to assets | 9.3215% | 5,121 |
| Core capital (leverage) ratio | 9.0634% | 4,676 |
| Tier 1 risk-based capital ratio | 13.6611% | 4,576 |
| Total risk-based capital ratio | 14.9182% | 4,537 |
| Memoranda: | ||
| Average total assets | $620,373,000 | 1,046 |
| Average earning assets | $558,851,600 | 1,062 |
| Average equity | $56,055,600 | 1,214 |
| Average total loans | $344,629,200 | 1,232 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1969% | 2,221 |
| Cost of funding earning assets | 0.9811% | 3,812 |
| Net interest margin | 4.2158% | 2,038 |
| Noninterest income to average assets | 0.7526% | 2,297 |
| Noninterest expense to average assets | 2.8159% | 4,279 |
| Loan and lease loss provision to assets | 0.2486% | 3,514 |
| Net operating income to assets | 1.0178% | 2,259 |
| Return on assets (ROA) | 1.0371% | 2,342 |
| Pretax return on assets | 1.5062% | 1,641 |
| Return on Equity (ROE) | 11.5714% | 1,655 |
| Retained earnings to average equity (ytd only) | 9.0723% | 1,118 |
| Net charge-offs to loans | 0.3952% | 3,136 |
| Credit loss provision to net charge-offs | 112.4145% | 2,908 |
| Earnings coverage of net charge-offs (x) | 7.8084% | 2,295 |
| Efficiency ratio | 61.9854% | 5,410 |
| Assets per employee ($millions) | 3.6821% | 4,568 |
| Cash dividends to net income (ytd only)* | 21.5969% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3759% | 1,574 |
| Loan loss allowance to noncurrent loans | 71.7478% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 3.0781% | 2,081 |
| Noncurrent loans to loans | 3.3115% | 2,082 |
| Net loans and leases to total assets | 53.6431% | 5,222 |
| Net loans and leases to deposits | 61.0692% | 5,510 |
| Net loans and leases to core deposits | 63.9673% | 5,617 |
| Total domestic deposits to total assets | 87.8398% | 2,139 |
| Equity capital to assets | 9.4673% | 5,137 |
| Core capital (leverage) ratio | 9.1314% | 4,742 |
| Tier 1 risk-based capital ratio | 13.7860% | 4,512 |
| Total risk-based capital ratio | 15.0453% | 4,469 |
| Memoranda: | ||
| Average total assets | $616,731,250 | 1,066 |
| Average earning assets | $554,466,750 | 1,082 |
| Average equity | $55,273,000 | 1,225 |
| Average total loans | $345,105,750 | 1,244 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2153% | 2,204 |
| Cost of funding earning assets | 1.0210% | 3,811 |
| Net interest margin | 4.1944% | 2,061 |
| Noninterest income to average assets | 0.7058% | 2,518 |
| Noninterest expense to average assets | 2.7953% | 4,437 |
| Loan and lease loss provision to assets | 0.3741% | 2,555 |
| Net operating income to assets | 0.9081% | 2,609 |
| Return on assets (ROA) | 0.9345% | 2,600 |
| Pretax return on assets | 1.3372% | 2,010 |
| Return on Equity (ROE) | 10.6289% | 1,922 |
| Retained earnings to average equity (ytd only) | 8.2464% | 1,368 |
| Net charge-offs to loans | 0.4697% | 2,701 |
| Credit loss provision to net charge-offs | 141.4514% | 2,155 |
| Earnings coverage of net charge-offs (x) | 6.3284% | 2,419 |
| Efficiency ratio | 62.5519% | 5,490 |
| Assets per employee ($millions) | 3.6521% | 4,560 |
| Cash dividends to net income (ytd only)* | 22.4156% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3808% | 1,623 |
| Loan loss allowance to noncurrent loans | 69.6299% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 3.5609% | 1,838 |
| Noncurrent loans to loans | 3.4192% | 2,072 |
| Net loans and leases to total assets | 54.7175% | 5,193 |
| Net loans and leases to deposits | 61.7564% | 5,530 |
| Net loans and leases to core deposits | 64.7939% | 5,630 |
| Total domestic deposits to total assets | 88.6022% | 1,782 |
| Equity capital to assets | 9.0017% | 5,578 |
| Core capital (leverage) ratio | 8.8275% | 5,005 |
| Tier 1 risk-based capital ratio | 13.0492% | 4,878 |
| Total risk-based capital ratio | 14.3086% | 4,852 |
| Memoranda: | ||
| Average total assets | $614,886,000 | 1,076 |
| Average earning assets | $551,641,330 | 1,097 |
| Average equity | $54,060,000 | 1,244 |
| Average total loans | $346,165,330 | 1,254 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1736% | 2,333 |
| Cost of funding earning assets | 1.0771% | 3,677 |
| Net interest margin | 4.0965% | 2,280 |
| Noninterest income to average assets | 0.6825% | 2,665 |
| Noninterest expense to average assets | 2.8023% | 4,427 |
| Loan and lease loss provision to assets | 0.4917% | 1,781 |
| Net operating income to assets | 0.7558% | 3,243 |
| Return on assets (ROA) | 0.8078% | 3,054 |
| Pretax return on assets | 1.1238% | 2,668 |
| Return on Equity (ROE) | 9.3013% | 2,347 |
| Retained earnings to average equity (ytd only) | 7.3987% | 1,990 |
| Net charge-offs to loans | 0.6717% | 1,865 |
| Credit loss provision to net charge-offs | 129.7578% | 2,133 |
| Earnings coverage of net charge-offs (x) | 4.0727% | 2,565 |
| Efficiency ratio | 64.4840% | 5,281 |
| Assets per employee ($millions) | 3.6203% | 4,717 |
| Cash dividends to net income (ytd only)* | 20.4545% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3707% | 1,642 |
| Loan loss allowance to noncurrent loans | 62.9692% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 3.8063% | 1,771 |
| Noncurrent loans to loans | 3.7649% | 1,953 |
| Net loans and leases to total assets | 54.3405% | 5,256 |
| Net loans and leases to deposits | 61.0924% | 5,609 |
| Net loans and leases to core deposits | 64.3521% | 5,688 |
| Total domestic deposits to total assets | 88.9480% | 1,803 |
| Equity capital to assets | 8.6732% | 5,688 |
| Core capital (leverage) ratio | 8.7291% | 5,037 |
| Tier 1 risk-based capital ratio | 12.8762% | 4,927 |
| Total risk-based capital ratio | 14.1353% | 4,899 |
| Memoranda: | ||
| Average total assets | $610,076,000 | 1,092 |
| Average earning assets | $545,541,000 | 1,118 |
| Average equity | $52,982,000 | 1,262 |
| Average total loans | $344,224,000 | 1,271 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4093% | 2,630 |
| Cost of funding earning assets | 1.3974% | 3,287 |
| Net interest margin | 4.0119% | 2,969 |
| Noninterest income to average assets | 0.7364% | 2,617 |
| Noninterest expense to average assets | 2.7920% | 4,634 |
| Loan and lease loss provision to assets | 0.7779% | 2,109 |
| Net operating income to assets | 0.5544% | 3,873 |
| Return on assets (ROA) | 0.6812% | 3,429 |
| Pretax return on assets | 0.9095% | 3,247 |
| Return on Equity (ROE) | 7.9527% | 2,710 |
| Retained earnings to average equity (ytd only) | 5.8996% | 1,882 |
| Net charge-offs to loans | 1.0710% | 2,068 |
| Credit loss provision to net charge-offs | 123.7624% | 3,341 |
| Earnings coverage of net charge-offs (x) | 2.4156% | 3,923 |
| Efficiency ratio | 64.7758% | 5,204 |
| Assets per employee ($millions) | 3.5993% | 4,709 |
| Cash dividends to net income (ytd only)* | 25.8173% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3256% | 1,655 |
| Loan loss allowance to noncurrent loans | 60.3411% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 4.3183% | 1,545 |
| Noncurrent loans to loans | 3.8541% | 1,906 |
| Net loans and leases to total assets | 55.8786% | 5,363 |
| Net loans and leases to deposits | 62.9559% | 5,749 |
| Net loans and leases to core deposits | 66.3484% | 5,839 |
| Total domestic deposits to total assets | 88.7583% | 1,794 |
| Equity capital to assets | 8.6961% | 5,592 |
| Core capital (leverage) ratio | 8.6154% | 5,172 |
| Tier 1 risk-based capital ratio | 12.5178% | 5,008 |
| Total risk-based capital ratio | 13.7781% | 4,986 |
| Memoranda: | ||
| Average total assets | $610,647,600 | 1,090 |
| Average earning assets | $543,955,000 | 1,114 |
| Average equity | $52,309,000 | 1,277 |
| Average total loans | $358,363,800 | 1,252 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4292% | 2,745 |
| Cost of funding earning assets | 1.4485% | 3,283 |
| Net interest margin | 3.9807% | 3,183 |
| Noninterest income to average assets | 0.8047% | 2,214 |
| Noninterest expense to average assets | 2.7917% | 4,530 |
| Loan and lease loss provision to assets | 0.8808% | 1,727 |
| Net operating income to assets | 0.5068% | 4,283 |
| Return on assets (ROA) | 0.6816% | 3,660 |
| Pretax return on assets | 0.9115% | 3,521 |
| Return on Equity (ROE) | 7.9867% | 2,904 |
| Retained earnings to average equity (ytd only) | 6.2487% | 2,233 |
| Net charge-offs to loans | 1.1308% | 1,805 |
| Credit loss provision to net charge-offs | 131.9218% | 3,061 |
| Earnings coverage of net charge-offs (x) | 2.3352% | 4,004 |
| Efficiency ratio | 64.1640% | 5,212 |
| Assets per employee ($millions) | 3.6051% | 4,720 |
| Cash dividends to net income (ytd only)* | 21.7613% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2568% | 1,693 |
| Loan loss allowance to noncurrent loans | 59.2448% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 4.4817% | 1,517 |
| Noncurrent loans to loans | 3.8093% | 2,017 |
| Net loans and leases to total assets | 56.6616% | 5,461 |
| Net loans and leases to deposits | 64.3057% | 5,875 |
| Net loans and leases to core deposits | 69.0118% | 5,841 |
| Total domestic deposits to total assets | 88.1128% | 1,894 |
| Equity capital to assets | 8.6866% | 6,038 |
| Core capital (leverage) ratio | 8.4765% | 5,552 |
| Tier 1 risk-based capital ratio | 12.1272% | 5,336 |
| Total risk-based capital ratio | 13.3860% | 5,293 |
| Memoranda: | ||
| Average total assets | $613,040,500 | 1,097 |
| Average earning assets | $546,116,250 | 1,117 |
| Average equity | $52,318,750 | 1,280 |
| Average total loans | $361,987,250 | 1,254 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4621% | 2,693 |
| Cost of funding earning assets | 1.4866% | 3,327 |
| Net interest margin | 3.9755% | 3,140 |
| Noninterest income to average assets | 0.8639% | 1,820 |
| Noninterest expense to average assets | 2.8671% | 4,200 |
| Loan and lease loss provision to assets | 0.8335% | 1,744 |
| Net operating income to assets | 0.5533% | 4,074 |
| Return on assets (ROA) | 0.5655% | 4,165 |
| Pretax return on assets | 0.7168% | 4,175 |
| Return on Equity (ROE) | 6.6656% | 3,454 |
| Retained earnings to average equity (ytd only) | 5.5444% | 2,585 |
| Net charge-offs to loans | 0.9380% | 1,959 |
| Credit loss provision to net charge-offs | 149.5601% | 2,635 |
| Earnings coverage of net charge-offs (x) | 2.7543% | 3,612 |
| Efficiency ratio | 65.1322% | 5,124 |
| Assets per employee ($millions) | 3.5736% | 4,745 |
| Cash dividends to net income (ytd only)* | 16.8208% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2188% | 1,724 |
| Loan loss allowance to noncurrent loans | 81.5592% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 3.8893% | 1,781 |
| Noncurrent loans to loans | 2.7205% | 2,930 |
| Net loans and leases to total assets | 56.8551% | 5,578 |
| Net loans and leases to deposits | 63.9616% | 6,044 |
| Net loans and leases to core deposits | 69.1625% | 5,957 |
| Total domestic deposits to total assets | 88.8894% | 1,500 |
| Equity capital to assets | 8.6029% | 6,007 |
| Core capital (leverage) ratio | 8.3194% | 5,722 |
| Tier 1 risk-based capital ratio | 11.9306% | 5,373 |
| Total risk-based capital ratio | 13.1885% | 5,337 |
| Memoranda: | ||
| Average total assets | $611,897,670 | 1,101 |
| Average earning assets | $544,589,670 | 1,127 |
| Average equity | $51,908,330 | 1,282 |
| Average total loans | $363,527,670 | 1,263 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3897% | 3,087 |
| Cost of funding earning assets | 1.5399% | 3,330 |
| Net interest margin | 3.8498% | 3,572 |
| Noninterest income to average assets | 0.8249% | 1,910 |
| Noninterest expense to average assets | 2.8540% | 4,256 |
| Loan and lease loss provision to assets | 0.9828% | 1,267 |
| Net operating income to assets | 0.3738% | 4,958 |
| Return on assets (ROA) | 0.4029% | 4,975 |
| Pretax return on assets | 0.4508% | 5,131 |
| Return on Equity (ROE) | 4.7839% | 4,481 |
| Retained earnings to average equity (ytd only) | 4.7839% | 3,278 |
| Net charge-offs to loans | 1.2548% | 1,357 |
| Credit loss provision to net charge-offs | 130.4348% | 2,704 |
| Earnings coverage of net charge-offs (x) | 1.8591% | 3,622 |
| Efficiency ratio | 67.0773% | 4,901 |
| Assets per employee ($millions) | 3.6409% | 4,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0571% | 2,045 |
| Loan loss allowance to noncurrent loans | 68.4496% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 4.0440% | 1,693 |
| Noncurrent loans to loans | 3.0052% | 2,668 |
| Net loans and leases to total assets | 57.8751% | 5,460 |
| Net loans and leases to deposits | 64.9654% | 5,946 |
| Net loans and leases to core deposits | 71.5509% | 5,763 |
| Total domestic deposits to total assets | 89.0861% | 1,479 |
| Equity capital to assets | 8.4417% | 6,083 |
| Core capital (leverage) ratio | 8.2754% | 5,787 |
| Tier 1 risk-based capital ratio | 11.6174% | 5,558 |
| Total risk-based capital ratio | 12.8770% | 5,511 |
| Memoranda: | ||
| Average total assets | $610,515,000 | 1,127 |
| Average earning assets | $543,924,500 | 1,158 |
| Average equity | $51,423,000 | 1,303 |
| Average total loans | $366,593,000 | 1,292 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7358% | 2,931 |
| Cost of funding earning assets | 1.8938% | 3,495 |
| Net interest margin | 3.8420% | 3,523 |
| Noninterest income to average assets | 0.6059% | 3,585 |
| Noninterest expense to average assets | 2.8124% | 4,921 |
| Loan and lease loss provision to assets | 0.8866% | 2,528 |
| Net operating income to assets | 0.3835% | 4,188 |
| Return on assets (ROA) | 0.3969% | 4,241 |
| Pretax return on assets | 0.4070% | 4,481 |
| Return on Equity (ROE) | 4.7266% | 3,790 |
| Retained earnings to average equity (ytd only) | 0.5628% | 4,587 |
| Net charge-offs to loans | 0.8887% | 2,619 |
| Credit loss provision to net charge-offs | 153.8550% | 2,971 |
| Earnings coverage of net charge-offs (x) | 2.2212% | 4,056 |
| Efficiency ratio | 68.7241% | 4,877 |
| Assets per employee ($millions) | 3.6489% | 4,653 |
| Cash dividends to net income (ytd only)* | 88.0922% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9059% | 2,247 |
| Loan loss allowance to noncurrent loans | 93.6798% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 3.3007% | 2,076 |
| Noncurrent loans to loans | 2.0344% | 3,605 |
| Net loans and leases to total assets | 59.8433% | 5,365 |
| Net loans and leases to deposits | 67.0933% | 5,934 |
| Net loans and leases to core deposits | 97.8116% | 4,243 |
| Total domestic deposits to total assets | 89.1943% | 1,393 |
| Equity capital to assets | 8.4040% | 6,055 |
| Core capital (leverage) ratio | 8.2173% | 5,784 |
| Tier 1 risk-based capital ratio | 11.2994% | 5,616 |
| Total risk-based capital ratio | 12.5564% | 5,552 |
| Memoranda: | ||
| Average total assets | $600,971,000 | 1,150 |
| Average earning assets | $545,368,000 | 1,157 |
| Average equity | $50,458,600 | 1,327 |
| Average total loans | $389,678,800 | 1,233 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7564% | 3,077 |
| Cost of funding earning assets | 1.9761% | 3,483 |
| Net interest margin | 3.7803% | 3,735 |
| Noninterest income to average assets | 0.6461% | 3,374 |
| Noninterest expense to average assets | 2.7642% | 5,045 |
| Loan and lease loss provision to assets | 0.8634% | 2,225 |
| Net operating income to assets | 0.4287% | 4,281 |
| Return on assets (ROA) | 0.4462% | 4,315 |
| Pretax return on assets | 0.4833% | 4,569 |
| Return on Equity (ROE) | 5.3151% | 3,832 |
| Retained earnings to average equity (ytd only) | -0.2573% | 5,275 |
| Net charge-offs to loans | 0.8213% | 2,322 |
| Credit loss provision to net charge-offs | 159.7199% | 2,974 |
| Earnings coverage of net charge-offs (x) | 2.4563% | 4,003 |
| Efficiency ratio | 67.5517% | 5,069 |
| Assets per employee ($millions) | 3.5474% | 4,818 |
| Cash dividends to net income (ytd only)* | 104.8403% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7294% | 2,525 |
| Loan loss allowance to noncurrent loans | 72.5868% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 3.0613% | 2,248 |
| Noncurrent loans to loans | 2.3825% | 3,165 |
| Net loans and leases to total assets | 62.4820% | 5,164 |
| Net loans and leases to deposits | 70.0723% | 5,909 |
| Net loans and leases to core deposits | 103.6619% | 3,981 |
| Total domestic deposits to total assets | 89.1679% | 1,122 |
| Equity capital to assets | 8.3805% | 6,409 |
| Core capital (leverage) ratio | 8.1840% | 6,046 |
| Tier 1 risk-based capital ratio | 11.0643% | 5,887 |
| Total risk-based capital ratio | 12.3239% | 5,836 |
| Memoranda: | ||
| Average total assets | $598,873,500 | 1,167 |
| Average earning assets | $545,908,000 | 1,168 |
| Average equity | $50,270,500 | 1,355 |
| Average total loans | $394,161,750 | 1,235 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7581% | 3,263 |
| Cost of funding earning assets | 2.0739% | 3,400 |
| Net interest margin | 3.6842% | 4,021 |
| Noninterest income to average assets | 0.6064% | 3,641 |
| Noninterest expense to average assets | 2.8030% | 4,948 |
| Loan and lease loss provision to assets | 0.7305% | 2,245 |
| Net operating income to assets | 0.4149% | 4,445 |
| Return on assets (ROA) | 0.4417% | 4,435 |
| Pretax return on assets | 0.4679% | 4,725 |
| Return on Equity (ROE) | 5.2594% | 3,972 |
| Retained earnings to average equity (ytd only) | -0.3275% | 5,302 |
| Net charge-offs to loans | 0.8051% | 2,071 |
| Credit loss provision to net charge-offs | 136.2954% | 3,429 |
| Earnings coverage of net charge-offs (x) | 2.1827% | 3,978 |
| Efficiency ratio | 70.5530% | 4,670 |
| Assets per employee ($millions) | 3.5477% | 4,691 |
| Cash dividends to net income (ytd only)* | 106.2263% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4786% | 3,313 |
| Loan loss allowance to noncurrent loans | 56.3545% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 2.4031% | 2,697 |
| Noncurrent loans to loans | 2.6237% | 2,755 |
| Net loans and leases to total assets | 64.4590% | 4,882 |
| Net loans and leases to deposits | 72.2528% | 5,703 |
| Net loans and leases to core deposits | 106.4165% | 3,790 |
| Total domestic deposits to total assets | 89.2131% | 1,160 |
| Equity capital to assets | 8.2930% | 6,339 |
| Core capital (leverage) ratio | 8.2575% | 5,873 |
| Tier 1 risk-based capital ratio | 11.0034% | 5,871 |
| Total risk-based capital ratio | 12.2543% | 5,800 |
| Memoranda: | ||
| Average total assets | $596,297,330 | 1,191 |
| Average earning assets | $544,870,330 | 1,188 |
| Average equity | $50,082,000 | 1,373 |
| Average total loans | $396,986,670 | 1,250 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7287% | 3,648 |
| Cost of funding earning assets | 2.2048% | 3,142 |
| Net interest margin | 3.5239% | 4,634 |
| Noninterest income to average assets | 0.6357% | 3,306 |
| Noninterest expense to average assets | 2.7074% | 4,969 |
| Loan and lease loss provision to assets | 0.4897% | 2,517 |
| Net operating income to assets | 0.5637% | 4,169 |
| Return on assets (ROA) | 0.5637% | 4,355 |
| Pretax return on assets | 0.6659% | 4,541 |
| Return on Equity (ROE) | 6.6691% | 3,730 |
| Retained earnings to average equity (ytd only) | 1.1062% | 5,196 |
| Net charge-offs to loans | 0.1142% | 4,054 |
| Credit loss provision to net charge-offs | 638.5965% | 901 |
| Earnings coverage of net charge-offs (x) | 15.0702% | 1,624 |
| Efficiency ratio | 70.0853% | 4,560 |
| Assets per employee ($millions) | 3.5754% | 4,636 |
| Cash dividends to net income (ytd only)* | 83.4129% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4581% | 3,186 |
| Loan loss allowance to noncurrent loans | 42.0772% | 5,733 |
| Noncurrent assets plus other real estate owned to assets | 2.3340% | 2,457 |
| Noncurrent loans to loans | 3.4652% | 1,840 |
| Net loans and leases to total assets | 66.0348% | 4,577 |
| Net loans and leases to deposits | 73.5376% | 5,538 |
| Net loans and leases to core deposits | 109.7981% | 3,460 |
| Total domestic deposits to total assets | 89.7973% | 889 |
| Equity capital to assets | 8.4351% | 6,176 |
| Core capital (leverage) ratio | 8.2601% | 5,978 |
| Tier 1 risk-based capital ratio | 10.9528% | 5,940 |
| Total risk-based capital ratio | 12.2036% | 5,854 |
| Memoranda: | ||
| Average total assets | $594,661,500 | 1,201 |
| Average earning assets | $544,627,500 | 1,191 |
| Average equity | $50,262,000 | 1,366 |
| Average total loans | $399,342,000 | 1,256 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5340% | 2,791 |
| Cost of funding earning assets | 2.8806% | 2,352 |
| Net interest margin | 3.6534% | 4,661 |
| Noninterest income to average assets | 0.7722% | 2,657 |
| Noninterest expense to average assets | 2.6647% | 5,397 |
| Loan and lease loss provision to assets | 0.3605% | 3,528 |
| Net operating income to assets | 0.9430% | 2,822 |
| Return on assets (ROA) | 0.6454% | 3,977 |
| Pretax return on assets | 0.7459% | 4,256 |
| Return on Equity (ROE) | 7.3588% | 3,340 |
| Retained earnings to average equity (ytd only) | 1.7184% | 4,185 |
| Net charge-offs to loans | 0.0783% | 5,645 |
| Credit loss provision to net charge-offs | 726.0714% | 576 |
| Earnings coverage of net charge-offs (x) | 29.1750% | 1,191 |
| Efficiency ratio | 64.7858% | 5,377 |
| Assets per employee ($millions) | 3.5043% | 4,643 |
| Cash dividends to net income (ytd only)* | 76.6484% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3097% | 3,710 |
| Loan loss allowance to noncurrent loans | 172.2204% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.5535% | 5,521 |
| Noncurrent loans to loans | 0.7605% | 5,135 |
| Net loans and leases to total assets | 66.4169% | 4,768 |
| Net loans and leases to deposits | 74.0458% | 5,840 |
| Net loans and leases to core deposits | 113.3540% | 3,413 |
| Total domestic deposits to total assets | 89.6970% | 769 |
| Equity capital to assets | 8.4694% | 6,142 |
| Core capital (leverage) ratio | 8.3632% | 5,830 |
| Tier 1 risk-based capital ratio | 10.9876% | 5,733 |
| Total risk-based capital ratio | 12.1707% | 5,711 |
| Memoranda: | ||
| Average total assets | $563,996,800 | 1,197 |
| Average earning assets | $515,760,000 | 1,201 |
| Average equity | $49,464,800 | 1,377 |
| Average total loans | $357,386,000 | 1,356 |